| SECURITIES AND EXCHANGE COMMISSION |
| Washington, D.C. 20549 |
|
| FORM 8-K CURRENT REPORT |
|
|
| Pursuant to Section 13 or 15(d) |
| of the Securities Exchange Act of 1934 |
|
| Date of Report (Date of earliest event reported): April 16, 2003 |
|
|
| ARROW FINANCIAL CORPORATION |
| (Exact name of registrant as specified in its charter) |
|
| New York | 0-12507 | 22-2448962 |
| (State or other jurisdiction of | Commission File Number | (IRS Employer Identification |
| incorporation or organization) | | Number) |
|
| 250 GLEN STREET, GLENS FALLS, NEW YORK 12801 |
| (Address of principal executive offices) (Zip Code) |
|
| Registrant's telephone number, including area code: (518) 745-1000 |
|
|
| (Former name or former address, if changed since last report) |
|
Item 7. Financial Statements and Other Exhibitis
(c) Exhibits
Exhibit No. Description
Exhibit 99 Arrow Financial Corporation Press Release dated April 16, 2003
Item 9. Regulation FD Disclosure
The information contained in this report is being furnished pursuant to Item 12 of Form 8-K, but is being provided under Item 9 as directed by the U.S. Securities and Exchange Commission in Release No. 34-47583. On April 16, 2003, Arrow Financial Corporation issued a press release containing unaudited financial information and accompanying discussion for the quarter ended March 31, 2003. A copy of this press release is furnished as Exhibit 99 to this report on Form 8-K.
SIGNATURESPursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
ARROW FINANCIAL CORPORATIONRegistrant| Date: April 16, 2003 | /s/ John J. Murphy |
| John J. Murphy, Executive Vice President, Treasurer and Chief Financial Officer |
EXHIBIT INDEX
Exhibit No. Description
Exhibit 99 Arrow Financial Corporation Press Release dated April 16, 2003
