NBT Bank N A 13F-HR Quarterly holdings report by institutional manager

The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE

OMB APPROVAL

OMB Number:		3235-0006
Expires:	Oct 31, 2018
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COLUMN 1	COLUMN 2	COLUMN 3	COLUMN 4	COLUMN 5			COLUMN 6	COLUMN 7	COLUMN 8
			VALUE	SHRS OR	SH/	PUT/	INVESTMENT	OTHER	VOTING AUTHORITY
NAME OF ISSUER	TITLE OF CLASS	CUSIP	(x$1000)	PRN AMT	PRN	CALL	DISCRETION	MANAGER	SOLE	SHARED	NONE
ABBOTT LABS	COMMON STOCK	002824100	4,239	101,341	SH		SOLE		98,287	100	2,954
ABBOTT LABS	COMMON STOCK	002824100	743	17,773	SH		OTR		15,686	1,437	650
ABBVIE INC	COMMON STOCK	00287Y109	4,023	70,422	SH		SOLE		66,156	100	4,166
ABBVIE INC	COMMON STOCK	00287Y109	863	15,102	SH		OTR		12,962	1,440	700
ACTIVISION BLIZZARD, INC	COMMON STOCK	00507V109	481	14,215	SH		SOLE		14,215	0	0
ACTIVISION BLIZZARD, INC	COMMON STOCK	00507V109	250	7,385	SH		OTR		7,385	0	0
AIR PRODUCTS & CHEMICALS INC	COMMON STOCK	009158106	1,552	10,772	SH		SOLE		10,772	0	0
AIR PRODUCTS & CHEMICALS INC	COMMON STOCK	009158106	449	3,115	SH		OTR		3,115	0	0
ALLSTATE CORP	COMMON STOCK	020002101	108	1,608	SH		SOLE		1,608	0	0
ALLSTATE CORP	COMMON STOCK	020002101	237	3,522	SH		OTR		3,522	0	0
ALPHABET INC CL A	COMMON STOCK	02079K305	3,015	3,952	SH		SOLE		3,759	8	185
ALPHABET INC CL A	COMMON STOCK	02079K305	592	776	SH		OTR		776	0	0
ALPHABET INC CL C	COMMON STOCK	02079K107	3,238	4,347	SH		SOLE		4,119	8	220
ALPHABET INC CL C	COMMON STOCK	02079K107	697	935	SH		OTR		935	0	0
ALTRIA GROUP INC	COMMON STOCK	02209S103	1,365	21,790	SH		SOLE		20,415	0	1,375
ALTRIA GROUP INC	COMMON STOCK	02209S103	2,651	42,300	SH		OTR		40,050	200	2,050
AMAZON.COM INC	COMMON STOCK	023135106	242	407	SH		SOLE		407	0	0
AMERICAN EXPRESS CO	COMMON STOCK	025816109	1,533	24,963	SH		SOLE		23,177	100	1,686
AMERICAN EXPRESS CO	COMMON STOCK	025816109	724	11,795	SH		OTR		10,295	0	1,500
AMERICAN WATER WORKS CO INC	COMMON STOCK	030420103	1,425	20,669	SH		SOLE		20,269	0	400
AMERICAN WATER WORKS CO INC	COMMON STOCK	030420103	768	11,140	SH		OTR		5,895	0	5,245
AMGEN INC	COMMON STOCK	031162100	545	3,635	SH		SOLE		3,635	0	0
AMGEN INC	COMMON STOCK	031162100	151	1,010	SH		OTR		1,010	0	0
ANADARKO PETROLEUM CORPORATION	COMMON STOCK	032511107	143	3,075	SH		SOLE		1,575	0	1,500
ANADARKO PETROLEUM CORPORATION	COMMON STOCK	032511107	123	2,650	SH		OTR		2,350	0	300
APACHE CORP	COMMON STOCK	037411105	1,084	22,213	SH		SOLE		22,213	0	0
APACHE CORP	COMMON STOCK	037411105	531	10,885	SH		OTR		10,885	0	0
APPLE INC	COMMON STOCK	037833100	11,873	108,938	SH		SOLE		102,072	490	6,376
APPLE INC	COMMON STOCK	037833100	3,586	32,898	SH		OTR		31,893	755	250
AT&T INC	COMMON STOCK	00206R102	4,124	105,292	SH		SOLE		102,391	750	2,151
AT&T INC	COMMON STOCK	00206R102	1,784	45,540	SH		OTR		39,973	105	5,462
AUTOLIV INC	COMMON STOCK	052800109	1,523	12,858	SH		SOLE		12,108	0	750
AUTOLIV INC	COMMON STOCK	052800109	1,596	13,469	SH		OTR		13,469	0	0
AUTOMATIC DATA PROCESSING INC	COMMON STOCK	053015103	4,190	46,708	SH		SOLE		46,128	0	580
AUTOMATIC DATA PROCESSING INC	COMMON STOCK	053015103	781	8,705	SH		OTR		6,960	100	1,645
BANK OF AMERICA CORP	COMMON STOCK	060505104	205	15,164	SH		SOLE		14,545	0	619
BANK OF AMERICA CORP	COMMON STOCK	060505104	197	14,582	SH		OTR		14,325	0	257
BANK OF NEW YORK MELLON CORP	COMMON STOCK	064058100	137	3,730	SH		SOLE		3,730	0	0
BANK OF NEW YORK MELLON CORP	COMMON STOCK	064058100	355	9,651	SH		OTR		9,151	0	500
BAXALTA INC	COMMON STOCK	07177M103	281	6,966	SH		SOLE		6,766	0	200
BAXALTA INC	COMMON STOCK	07177M103	80	1,975	SH		OTR		1,825	0	150
BAXTER INTL INC	COMMON STOCK	071813109	474	11,534	SH		SOLE		11,334	0	200
BAXTER INTL INC	COMMON STOCK	071813109	156	3,799	SH		OTR		2,189	0	1,610
BECTON DICKINSON	COMMON STOCK	075887109	344	2,265	SH		SOLE		2,265	0	0
BECTON DICKINSON	COMMON STOCK	075887109	182	1,200	SH		OTR		1,200	0	0
BED BATH & BEYOND INC	COMMON STOCK	075896100	223	4,486	SH		SOLE		4,486	0	0
BED BATH & BEYOND INC	COMMON STOCK	075896100	20	400	SH		OTR		400	0	0
BERKSHIRE HATHAWAY INC-CL B	COMMON STOCK	084670702	3,630	25,583	SH		SOLE		25,273	110	200
BERKSHIRE HATHAWAY INC-CL B	COMMON STOCK	084670702	1,232	8,681	SH		OTR		8,511	20	150
BEST BUY COMPANY INC	COMMON STOCK	086516101	561	17,290	SH		SOLE		17,290	0	0
BEST BUY COMPANY INC	COMMON STOCK	086516101	20	617	SH		OTR		617	0	0
BLACKROCK INC CL A	COMMON STOCK	09247X101	170	500	SH		SOLE		0	0	500
BLACKROCK INC CL A	COMMON STOCK	09247X101	72	210	SH		OTR		210	0	0
BOEING CO	COMMON STOCK	097023105	1,630	12,844	SH		SOLE		11,799	0	1,045
BOEING CO	COMMON STOCK	097023105	1,191	9,381	SH		OTR		9,381	0	0
BRISTOL MYERS SQUIBB CO	COMMON STOCK	110122108	5,639	88,277	SH		SOLE		80,107	4,450	3,720
BRISTOL MYERS SQUIBB CO	COMMON STOCK	110122108	2,176	34,067	SH		OTR		30,486	1,431	2,150
CAPITAL ONE FINANCIAL CORP	COMMON STOCK	14040H105	258	3,726	SH		SOLE		3,726	0	0
CATERPILLAR INC	COMMON STOCK	149123101	1,957	25,571	SH		SOLE		25,178	75	318
CATERPILLAR INC	COMMON STOCK	149123101	848	11,085	SH		OTR		10,740	45	300
CELGENE CORP	COMMON STOCK	151020104	812	8,108	SH		SOLE		6,108	0	2,000
CELGENE CORP	COMMON STOCK	151020104	208	2,080	SH		OTR		2,080	0	0
CHEVRON CORPORATION	COMMON STOCK	166764100	8,006	83,924	SH		SOLE		79,901	1,875	2,148
CHEVRON CORPORATION	COMMON STOCK	166764100	3,065	32,128	SH		OTR		28,724	1,460	1,944
CHURCH & DWIGHT INC	COMMON STOCK	171340102	296	3,212	SH		SOLE		3,212	0	0
CISCO SYSTEMS INC	COMMON STOCK	17275R102	3,961	139,142	SH		SOLE		133,984	250	4,908
CISCO SYSTEMS INC	COMMON STOCK	17275R102	1,201	42,198	SH		OTR		41,703	495	0
CITIGROUP INC	COMMON STOCK	172967424	302	7,231	SH		SOLE		7,211	0	20
CITIGROUP INC	COMMON STOCK	172967424	126	3,007	SH		OTR		2,967	0	40
CLOROX COMPANY	COMMON STOCK	189054109	1,992	15,802	SH		SOLE		15,602	0	200
CLOROX COMPANY	COMMON STOCK	189054109	652	5,170	SH		OTR		3,330	0	1,840
COCA COLA CO	COMMON STOCK	191216100	3,034	65,400	SH		SOLE		58,800	1,400	5,200
COCA COLA CO	COMMON STOCK	191216100	1,629	35,110	SH		OTR		27,990	0	7,120
COGNIZANT TECHNOLOGY SOLUTIONS	COMMON STOCK	192446102	357	5,689	SH		SOLE		5,689	0	0
COLGATE PALMOLIVE CO	COMMON STOCK	194162103	3,434	48,599	SH		SOLE		42,662	1,695	4,242
COLGATE PALMOLIVE CO	COMMON STOCK	194162103	2,246	31,793	SH		OTR		28,993	0	2,800
COMCAST CORP-CL A	COMMON STOCK	20030N101	781	12,789	SH		SOLE		11,674	0	1,115
COMCAST CORP-CL A	COMMON STOCK	20030N101	77	1,266	SH		OTR		466	200	600
CONOCOPHILLIPS	COMMON STOCK	20825C104	1,727	42,888	SH		SOLE		39,310	425	3,153
CONOCOPHILLIPS	COMMON STOCK	20825C104	158	3,928	SH		OTR		3,778	150	0
CONSUMER DISCRETIONARY SELT	COMMON STOCK	81369Y407	1,666	21,059	SH		SOLE		19,159	0	1,900
CONSUMER DISCRETIONARY SELT	COMMON STOCK	81369Y407	216	2,727	SH		OTR		2,212	380	135
CONSUMER STAPLES SELECT SECTOR	COMMON STOCK	81369Y308	970	18,280	SH		SOLE		16,622	0	1,658
CONSUMER STAPLES SELECT SECTOR	COMMON STOCK	81369Y308	114	2,155	SH		OTR		1,865	100	190
CORNING INC	COMMON STOCK	219350105	238	11,413	SH		SOLE		11,413	0	0
CORNING INC	COMMON STOCK	219350105	171	8,200	SH		OTR		7,500	700	0
COSTCO WHOLESALE CORP	COMMON STOCK	22160K105	160	1,017	SH		SOLE		1,017	0	0
COSTCO WHOLESALE CORP	COMMON STOCK	22160K105	128	815	SH		OTR		525	0	290
CSX CORP	COMMON STOCK	126408103	102	3,959	SH		SOLE		3,959	0	0
CSX CORP	COMMON STOCK	126408103	102	3,955	SH		OTR		3,955	0	0
CVS HEALTH CORP	COMMON STOCK	126650100	4,879	47,040	SH		SOLE		47,040	0	0
CVS HEALTH CORP	COMMON STOCK	126650100	1,323	12,754	SH		OTR		11,614	240	900
DANAHER CORP	COMMON STOCK	235851102	4,909	51,746	SH		SOLE		48,933	125	2,688
DANAHER CORP	COMMON STOCK	235851102	1,291	13,612	SH		OTR		11,792	230	1,590
DEERE & CO	COMMON STOCK	244199105	366	4,750	SH		SOLE		4,750	0	0
DEERE & CO	COMMON STOCK	244199105	407	5,290	SH		OTR		5,290	0	0
DISNEY WALT CO NEW	COMMON STOCK	254687106	5,800	58,405	SH		SOLE		57,514	125	766
DISNEY WALT CO NEW	COMMON STOCK	254687106	2,038	20,518	SH		OTR		19,188	220	1,110
DOMINION RESOURCES INC	COMMON STOCK	25746U109	2,809	37,395	SH		SOLE		35,995	300	1,100
DOMINION RESOURCES INC	COMMON STOCK	25746U109	1,117	14,872	SH		OTR		9,917	1,050	3,905
DOW CHEMICAL COMPANY	COMMON STOCK	260543103	687	13,505	SH		SOLE		13,505	0	0
DOW CHEMICAL COMPANY	COMMON STOCK	260543103	860	16,917	SH		OTR		15,517	0	1,400
DU PONT E I DE NEMOURS & CO	COMMON STOCK	263534109	3,132	49,462	SH		SOLE		47,547	0	1,915
DU PONT E I DE NEMOURS & CO	COMMON STOCK	263534109	2,233	35,272	SH		OTR		30,926	111	4,235
DUKE ENERGY CORP	COMMON STOCK	26441C204	203	2,514	SH		SOLE		1,882	566	66
DUKE ENERGY CORP	COMMON STOCK	26441C204	324	4,013	SH		OTR		2,761	1,000	252
ECOLAB INC	COMMON STOCK	278865100	1,839	16,492	SH		SOLE		16,192	0	300
ECOLAB INC	COMMON STOCK	278865100	346	3,105	SH		OTR		1,685	0	1,420
EMC CORP MASS	COMMON STOCK	268648102	1,770	66,421	SH		SOLE		63,036	0	3,385
EMC CORP MASS	COMMON STOCK	268648102	643	24,131	SH		OTR		20,956	975	2,200
EMERSON ELEC CO	COMMON STOCK	291011104	1,052	19,353	SH		SOLE		18,353	800	200
EMERSON ELEC CO	COMMON STOCK	291011104	303	5,565	SH		OTR		5,565	0	0
ENERGY SELECT SECTOR SPDR	COMMON STOCK	81369Y506	875	14,143	SH		SOLE		13,427	0	716
ENERGY SELECT SECTOR SPDR	COMMON STOCK	81369Y506	74	1,200	SH		OTR		967	80	153
ENTERPRISE PRODS PARTNERS LP	COMMON STOCK	293792107	415	16,845	SH		SOLE		11,845	0	5,000
ENTERPRISE PRODS PARTNERS LP	COMMON STOCK	293792107	96	3,880	SH		OTR		3,880	0	0
EXELON CORP	COMMON STOCK	30161N101	145	4,033	SH		SOLE		4,033	0	0
EXELON CORP	COMMON STOCK	30161N101	146	4,059	SH		OTR		3,059	150	850
EXPEDITORS INTL WASH INC	COMMON STOCK	302130109	182	3,730	SH		SOLE		3,530	0	200
EXPEDITORS INTL WASH INC	COMMON STOCK	302130109	56	1,140	SH		OTR		1,140	0	0
EXPRESS SCRIPTS HLDG	COMMON STOCK	30219G108	1,246	18,135	SH		SOLE		17,021	150	964
EXPRESS SCRIPTS HLDG	COMMON STOCK	30219G108	179	2,611	SH		OTR		2,456	0	155
EXXONMOBIL CORP	COMMON STOCK	30231G102	13,514	161,676	SH		SOLE		155,891	1,325	4,460
EXXONMOBIL CORP	COMMON STOCK	30231G102	7,016	83,932	SH		OTR		80,610	597	2,725
FACEBOOK INC-A	COMMON STOCK	30303M102	331	2,897	SH		SOLE		2,862	0	35
FACEBOOK INC-A	COMMON STOCK	30303M102	23	200	SH		OTR		200	0	0
FEDEX CORPORATION	COMMON STOCK	31428X106	215	1,320	SH		SOLE		1,320	0	0
FINANCIAL SELECT SECTOR SPDR	COMMON STOCK	81369Y605	1,168	51,933	SH		SOLE		50,433	0	1,500
FINANCIAL SELECT SECTOR SPDR	COMMON STOCK	81369Y605	116	5,140	SH		OTR		4,692	448	0
FIRST NIAGARA FINANCIAL GRP	COMMON STOCK	33582V108	64	6,631	SH		SOLE		2,000	0	4,631
FIRST NIAGARA FINANCIAL GRP	COMMON STOCK	33582V108	77	8,000	SH		OTR		8,000	0	0
FISERV INC	COMMON STOCK	337738108	2,772	27,022	SH		SOLE		26,526	150	346
FISERV INC	COMMON STOCK	337738108	66	641	SH		OTR		641	0	0
FORTUNE BRANDS INC	COMMON STOCK	34964C106	288	5,144	SH		OTR		5,144	0	0
GENERAL DYNAMICS CORP	COMMON STOCK	369550108	299	2,278	SH		SOLE		2,203	0	75
GENERAL DYNAMICS CORP	COMMON STOCK	369550108	210	1,600	SH		OTR		1,600	0	0
GENERAL ELECTRIC CORP	COMMON STOCK	369604103	9,766	307,212	SH		SOLE		292,298	2,150	12,764
GENERAL ELECTRIC CORP	COMMON STOCK	369604103	4,315	135,732	SH		OTR		120,791	5,591	9,350
GENERAL MLS INC	COMMON STOCK	370334104	2,424	38,266	SH		SOLE		37,566	0	700
GENERAL MLS INC	COMMON STOCK	370334104	810	12,792	SH		OTR		9,287	500	3,005
GILEAD SCIENCES INC	COMMON STOCK	375558103	1,160	12,631	SH		SOLE		9,631	0	3,000
GILEAD SCIENCES INC	COMMON STOCK	375558103	94	1,025	SH		OTR		1,025	0	0
GLAXO SMITHKLINE SPONS ADR	COMMON STOCK	37733W105	689	16,986	SH		SOLE		16,506	125	355
GLAXO SMITHKLINE SPONS ADR	COMMON STOCK	37733W105	286	7,042	SH		OTR		6,287	255	500
GOLDMAN SACHS GROUP INC	COMMON STOCK	38141G104	953	6,074	SH		SOLE		5,944	65	65
GOLDMAN SACHS GROUP INC	COMMON STOCK	38141G104	583	3,716	SH		OTR		3,706	10	0
GRAINGER W W INC	COMMON STOCK	384802104	1,797	7,699	SH		SOLE		7,599	0	100
GRAINGER W W INC	COMMON STOCK	384802104	440	1,885	SH		OTR		1,015	0	870
HEALTH CARE SELECT SECTOR SPDR	COMMON STOCK	81369Y209	965	14,235	SH		SOLE		13,268	0	967
HEALTH CARE SELECT SECTOR SPDR	COMMON STOCK	81369Y209	180	2,655	SH		OTR		2,655	0	0
HOME DEPOT INC	COMMON STOCK	437076102	1,037	7,773	SH		SOLE		6,252	0	1,521
HOME DEPOT INC	COMMON STOCK	437076102	795	5,960	SH		OTR		5,760	0	200
HONEYWELL INTERNATIONAL INC	COMMON STOCK	438516106	3,031	27,052	SH		SOLE		25,071	0	1,981
HONEYWELL INTERNATIONAL INC	COMMON STOCK	438516106	853	7,610	SH		OTR		4,037	2,565	1,008
ILLINOIS TOOL WKS INC	COMMON STOCK	452308109	1,139	11,114	SH		SOLE		11,114	0	0
ILLINOIS TOOL WKS INC	COMMON STOCK	452308109	77	752	SH		OTR		752	0	0
INDUSTRIAL SELECT SECTOR SPDR	COMMON STOCK	81369Y704	1,258	22,673	SH		SOLE		22,201	0	472
INDUSTRIAL SELECT SECTOR SPDR	COMMON STOCK	81369Y704	108	1,947	SH		OTR		1,847	0	100
INTEL CORP	COMMON STOCK	458140100	7,179	221,914	SH		SOLE		213,544	3,100	5,270
INTEL CORP	COMMON STOCK	458140100	1,727	53,377	SH		OTR		49,217	2,460	1,700
INTL. BUSINESS MACHINES CORP	COMMON STOCK	459200101	5,650	37,309	SH		SOLE		33,654	665	2,990
INTL. BUSINESS MACHINES CORP	COMMON STOCK	459200101	3,139	20,728	SH		OTR		19,298	20	1,410
ISHARES DJ US TELCOM SECTOR ET	COMMON STOCK	464287713	783	25,487	SH		SOLE		25,487	0	0
ISHARES DJ US TELCOM SECTOR ET	COMMON STOCK	464287713	354	11,534	SH		OTR		11,334	200	0
ISHARES NASDAQ BIOTECH ETF	COMMON STOCK	464287556	6,390	24,500	SH		SOLE		23,515	105	880
ISHARES NASDAQ BIOTECH ETF	COMMON STOCK	464287556	1,165	4,465	SH		OTR		4,370	45	50
JM SMUCKER CO	COMMON STOCK	832696405	103	794	SH		SOLE		701	0	93
JM SMUCKER CO	COMMON STOCK	832696405	264	2,030	SH		OTR		1,426	600	4
JOHNSON & JOHNSON	COMMON STOCK	478160104	13,490	124,679	SH		SOLE		115,979	812	7,888
JOHNSON & JOHNSON	COMMON STOCK	478160104	4,121	38,090	SH		OTR		32,565	1,320	4,205
JP MORGAN CHASE & CO	COMMON STOCK	46625H100	7,737	130,641	SH		SOLE		124,501	325	5,815
JP MORGAN CHASE & CO	COMMON STOCK	46625H100	2,906	49,072	SH		OTR		43,872	2,940	2,260
KBW BANK ETF	COMMON STOCK	78464A797	184	6,066	SH		SOLE		6,066	0	0
KBW BANK ETF	COMMON STOCK	78464A797	38	1,251	SH		OTR		1,151	0	100
KBW REGIONAL BANKING ETF	COMMON STOCK	78464A698	2,516	66,857	SH		SOLE		66,182	200	475
KBW REGIONAL BANKING ETF	COMMON STOCK	78464A698	714	18,965	SH		OTR		18,765	100	100
KIMBERLY CLARK CORP	COMMON STOCK	494368103	639	4,750	SH		SOLE		4,700	0	50
KIMBERLY CLARK CORP	COMMON STOCK	494368103	226	1,680	SH		OTR		1,625	55	0
KRAFT HEINZ CO	COMMON STOCK	500754106	315	4,008	SH		SOLE		3,919	0	89
KRAFT HEINZ CO	COMMON STOCK	500754106	592	7,540	SH		OTR		7,184	46	310
LILLY ELI & CO	COMMON STOCK	532457108	360	5,004	SH		SOLE		4,476	0	528
LILLY ELI & CO	COMMON STOCK	532457108	505	7,010	SH		OTR		5,985	0	1,025
LOCKHEED MARTIN CORP	COMMON STOCK	539830109	3,311	14,948	SH		SOLE		14,233	0	715
LOCKHEED MARTIN CORP	COMMON STOCK	539830109	564	2,547	SH		OTR		2,535	12	0
LOWES COS INC	COMMON STOCK	548661107	7,836	103,442	SH		SOLE		102,635	175	632
LOWES COS INC	COMMON STOCK	548661107	2,016	26,620	SH		OTR		25,685	235	700
M & T BANK CORP	COMMON STOCK	55261F104	56	500	SH		SOLE		500	0	0
M & T BANK CORP	COMMON STOCK	55261F104	366	3,300	SH		OTR		1,200	2,100	0
MAGELLAN MIDSTREAM PARTNERS LP	COMMON STOCK	559080106	248	3,600	SH		SOLE		0	0	3,600
MARKET VECTORS AGRIBUSINESS	COMMON STOCK	57060U605	1,441	30,945	SH		SOLE		29,408	185	1,352
MARKET VECTORS AGRIBUSINESS	COMMON STOCK	57060U605	527	11,309	SH		OTR		11,084	125	100
MATERIALS SELECT SPDR FUND	COMMON STOCK	81369Y100	1,427	31,838	SH		SOLE		28,891	110	2,837
MATERIALS SELECT SPDR FUND	COMMON STOCK	81369Y100	175	3,909	SH		OTR		2,679	525	705
MCDONALDS CORP	COMMON STOCK	580135101	9,109	72,479	SH		SOLE		70,411	965	1,103
MCDONALDS CORP	COMMON STOCK	580135101	2,405	19,134	SH		OTR		17,834	500	800
MERCK & CO INC	COMMON STOCK	58933Y105	3,254	61,503	SH		SOLE		59,277	850	1,376
MERCK & CO INC	COMMON STOCK	58933Y105	1,246	23,556	SH		OTR		21,545	86	1,925
METLIFE INC	COMMON STOCK	59156R108	471	10,716	SH		SOLE		10,716	0	0
METLIFE INC	COMMON STOCK	59156R108	92	2,088	SH		OTR		1,588	500	0
MICROCHIP TECHNOLOGY INC	COMMON STOCK	595017104	1,693	35,121	SH		SOLE		34,621	0	500
MICROCHIP TECHNOLOGY INC	COMMON STOCK	595017104	407	8,450	SH		OTR		6,325	800	1,325
MICROSOFT CORP	COMMON STOCK	594918104	10,109	183,037	SH		SOLE		178,069	650	4,318
MICROSOFT CORP	COMMON STOCK	594918104	3,150	57,032	SH		OTR		48,925	4,807	3,300
MONDELEZ INTERNATIONAL INC	COMMON STOCK	609207105	578	14,414	SH		SOLE		13,731	0	683
MONDELEZ INTERNATIONAL INC	COMMON STOCK	609207105	815	20,307	SH		OTR		19,236	138	933
MONSANTO CO	COMMON STOCK	61166W101	1,297	14,787	SH		SOLE		13,814	45	928
MONSANTO CO	COMMON STOCK	61166W101	277	3,160	SH		OTR		3,090	70	0
NBT BANCORP INC	COMMON STOCK	628778102	5,365	199,062	SH		SOLE		98,211	0	100,851
NBT BANCORP INC	COMMON STOCK	628778102	1,849	68,605	SH		OTR		66,205	0	2,400
NEXTERA ENERGY INC	COMMON STOCK	65339F101	2,927	24,731	SH		SOLE		22,206	0	2,525
NEXTERA ENERGY INC	COMMON STOCK	65339F101	1,245	10,519	SH		OTR		7,084	750	2,685
NIKE INC-CLASS B	COMMON STOCK	654106103	3,151	51,265	SH		SOLE		50,565	0	700
NIKE INC-CLASS B	COMMON STOCK	654106103	710	11,550	SH		OTR		7,550	0	4,000
NORFOLK SOUTHERN CORP	COMMON STOCK	655844108	915	10,985	SH		SOLE		9,585	0	1,400
NORFOLK SOUTHERN CORP	COMMON STOCK	655844108	526	6,324	SH		OTR		5,124	0	1,200
NOVARTIS AG SPONS ADR	COMMON STOCK	66987V109	2,236	30,871	SH		SOLE		30,491	95	285
NOVARTIS AG SPONS ADR	COMMON STOCK	66987V109	839	11,580	SH		OTR		10,145	150	1,285
NUCOR CORP	COMMON STOCK	670346105	607	12,832	SH		SOLE		12,832	0	0
NUCOR CORP	COMMON STOCK	670346105	197	4,169	SH		OTR		3,169	0	1,000
ORACLE CORPORATION	COMMON STOCK	68389X105	2,931	71,638	SH		SOLE		69,454	0	2,184
ORACLE CORPORATION	COMMON STOCK	68389X105	1,341	32,784	SH		OTR		32,529	255	0
PEPSICO INC	COMMON STOCK	713448108	10,145	98,994	SH		SOLE		97,643	400	951
PEPSICO INC	COMMON STOCK	713448108	2,475	24,150	SH		OTR		21,270	1,470	1,410
PFIZER INC	COMMON STOCK	717081103	4,891	165,029	SH		SOLE		162,525	0	2,504
PFIZER INC	COMMON STOCK	717081103	2,020	68,148	SH		OTR		63,214	2,045	2,889
PG & E CORP	COMMON STOCK	69331C108	51	846	SH		SOLE		846	0	0
PG & E CORP	COMMON STOCK	69331C108	188	3,155	SH		OTR		3,155	0	0
PHILIP MORRIS INTERNATIONAL	COMMON STOCK	718172109	1,392	14,184	SH		SOLE		13,309	0	875
PHILIP MORRIS INTERNATIONAL	COMMON STOCK	718172109	3,647	37,175	SH		OTR		35,675	150	1,350
PHILLIPS 66	COMMON STOCK	718546104	205	2,362	SH		SOLE		2,262	100	0
PHILLIPS 66	COMMON STOCK	718546104	9	100	SH		OTR		50	50	0
PRAXAIR INC	COMMON STOCK	74005P104	1,816	15,864	SH		SOLE		15,614	0	250
PRAXAIR INC	COMMON STOCK	74005P104	516	4,510	SH		OTR		3,385	0	1,125
PROCTER & GAMBLE CO	COMMON STOCK	742718109	11,120	135,093	SH		SOLE		127,281	1,244	6,568
PROCTER & GAMBLE CO	COMMON STOCK	742718109	4,058	49,306	SH		OTR		42,331	2,315	4,660
PRUDENTIAL FINL INC	COMMON STOCK	744320102	2,259	31,283	SH		SOLE		30,893	190	200
PRUDENTIAL FINL INC	COMMON STOCK	744320102	853	11,812	SH		OTR		11,462	150	200
PUBLIC SERVICE ENTERPRISE GROU	COMMON STOCK	744573106	195	4,147	SH		SOLE		3,747	400	0
PUBLIC SERVICE ENTERPRISE GROU	COMMON STOCK	744573106	167	3,550	SH		OTR		3,550	0	0
QUALCOMM INC	COMMON STOCK	747525103	2,973	58,134	SH		SOLE		57,060	225	849
QUALCOMM INC	COMMON STOCK	747525103	786	15,360	SH		OTR		14,515	245	600
ROCKWELL AUTOMATION INC	COMMON STOCK	773903109	205	1,800	SH		SOLE		1,600	0	200
ROCKWELL AUTOMATION INC	COMMON STOCK	773903109	20	175	SH		OTR		175	0	0
SKYWORKS SOLUTIONS INC	COMMON STOCK	83088M102	218	2,800	SH		SOLE		0	0	2,800
SOUTHERN COMPANY	COMMON STOCK	842587107	1,498	28,954	SH		SOLE		28,454	200	300
SOUTHERN COMPANY	COMMON STOCK	842587107	952	18,395	SH		OTR		16,195	2,000	200
SPECTRA ENERGY CORP	COMMON STOCK	847560109	376	12,300	SH		SOLE		11,867	300	133
SPECTRA ENERGY CORP	COMMON STOCK	847560109	27	867	SH		OTR		867	0	0
ST JUDE MEDICAL INC	COMMON STOCK	790849103	227	4,126	SH		SOLE		4,126	0	0
ST JUDE MEDICAL INC	COMMON STOCK	790849103	17	315	SH		OTR		315	0	0
STARBUCKS CORP	COMMON STOCK	855244109	13	216	SH		SOLE		216	0	0
STARBUCKS CORP	COMMON STOCK	855244109	203	3,400	SH		OTR		3,400	0	0
STARWOOD HOTELS & RESORTS	COMMON STOCK	85590A401	328	3,930	SH		SOLE		3,930	0	0
STARWOOD HOTELS & RESORTS	COMMON STOCK	85590A401	116	1,390	SH		OTR		1,390	0	0
STATE STREET CORP	COMMON STOCK	857477103	360	6,160	SH		SOLE		6,070	0	90
STATE STREET CORP	COMMON STOCK	857477103	8	135	SH		OTR		135	0	0
STRYKER CORPORATION	COMMON STOCK	863667101	551	5,132	SH		SOLE		5,132	0	0
STRYKER CORPORATION	COMMON STOCK	863667101	21	200	SH		OTR		200	0	0
SYSCO CORP	COMMON STOCK	871829107	465	9,955	SH		SOLE		9,955	0	0
SYSCO CORP	COMMON STOCK	871829107	366	7,835	SH		OTR		7,210	0	625
T ROWE PRICE GROUP INC	COMMON STOCK	74144T108	4,655	63,372	SH		SOLE		62,582	185	605
T ROWE PRICE GROUP INC	COMMON STOCK	74144T108	1,072	14,591	SH		OTR		13,996	295	300
TARGET CORP	COMMON STOCK	87612E106	4,907	59,637	SH		SOLE		55,906	210	3,521
TARGET CORP	COMMON STOCK	87612E106	1,139	13,847	SH		OTR		12,749	373	725
TECHNOLOGY SELECT SECT SPDR	COMMON STOCK	81369Y803	2,002	45,139	SH		SOLE		44,214	325	600
TECHNOLOGY SELECT SECT SPDR	COMMON STOCK	81369Y803	202	4,544	SH		OTR		3,844	700	0
TEXTRON INC	COMMON STOCK	883203101	709	19,440	SH		SOLE		19,440	0	0
THE MOSAIC COMPANY	COMMON STOCK	61945C103	217	8,021	SH		SOLE		8,021	0	0
THE MOSAIC COMPANY	COMMON STOCK	61945C103	292	10,809	SH		OTR		10,724	85	0
THERMO FISHER SCIENTIFIC INC	COMMON STOCK	883556102	253	1,787	SH		SOLE		287	0	1,500
TJX COS INC	COMMON STOCK	872540109	2,062	26,313	SH		SOLE		23,295	300	2,718
TJX COS INC	COMMON STOCK	872540109	611	7,795	SH		OTR		7,625	170	0
TOYOTA MOTOR CORP SPONS ADR	COMMON STOCK	892331307	579	5,447	SH		SOLE		5,332	0	115
TOYOTA MOTOR CORP SPONS ADR	COMMON STOCK	892331307	244	2,293	SH		OTR		2,218	75	0
TRAVELERS COMPANIES INC	COMMON STOCK	89417E109	128	1,095	SH		SOLE		995	0	100
TRAVELERS COMPANIES INC	COMMON STOCK	89417E109	78	667	SH		OTR		443	0	224
UNION PAC CORP	COMMON STOCK	907818108	3,807	47,854	SH		SOLE		46,773	0	1,081
UNION PAC CORP	COMMON STOCK	907818108	1,287	16,180	SH		OTR		13,960	0	2,220
UNITED PARCEL SERVICE CL B	COMMON STOCK	911312106	740	7,015	SH		SOLE		6,015	0	1,000
UNITED PARCEL SERVICE CL B	COMMON STOCK	911312106	115	1,095	SH		OTR		1,095	0	0
UNITED TECHNOLOGIES CORP	COMMON STOCK	913017109	6,785	67,780	SH		SOLE		64,395	375	3,010
UNITED TECHNOLOGIES CORP	COMMON STOCK	913017109	2,218	22,156	SH		OTR		18,416	1,940	1,800
UNITEDHEALTH GROUP INC	COMMON STOCK	91324P102	3,088	23,960	SH		SOLE		22,720	0	1,240
UNITEDHEALTH GROUP INC	COMMON STOCK	91324P102	1,022	7,925	SH		OTR		7,650	150	125
US BANCORP NEW	COMMON STOCK	902973304	2,300	56,668	SH		SOLE		53,327	180	3,161
US BANCORP NEW	COMMON STOCK	902973304	203	5,001	SH		OTR		4,031	470	500
UTILITIES SELECT SECTOR SPDR	COMMON STOCK	81369Y886	2,733	55,077	SH		SOLE		52,035	157	2,885
UTILITIES SELECT SECTOR SPDR	COMMON STOCK	81369Y886	1,059	21,341	SH		OTR		20,341	575	425
V.F. CORP	COMMON STOCK	918204108	367	5,661	SH		SOLE		5,661	0	0
V.F. CORP	COMMON STOCK	918204108	19	300	SH		OTR		300	0	0
VANGUARD REIT ETF	COMMON STOCK	922908553	1,854	22,125	SH		SOLE		22,125	0	0
VANGUARD REIT ETF	COMMON STOCK	922908553	336	4,005	SH		OTR		3,016	989	0
VERIZON COMMUNICATIONS	COMMON STOCK	92343V104	4,806	88,869	SH		SOLE		81,462	2,754	4,653
VERIZON COMMUNICATIONS	COMMON STOCK	92343V104	2,961	54,747	SH		OTR		46,682	5,020	3,045
WAL MART STORES INC	COMMON STOCK	931142103	1,647	24,049	SH		SOLE		23,583	0	466
WAL MART STORES INC	COMMON STOCK	931142103	773	11,288	SH		OTR		10,738	150	400
WALGREENS BOOTS ALLIANCE INC	COMMON STOCK	931427108	2,087	24,777	SH		SOLE		24,219	150	408
WALGREENS BOOTS ALLIANCE INC	COMMON STOCK	931427108	114	1,359	SH		OTR		953	102	304
WELLS FARGO & CO	COMMON STOCK	949746101	6,244	129,115	SH		SOLE		124,770	160	4,185
WELLS FARGO & CO	COMMON STOCK	949746101	2,023	41,825	SH		OTR		36,671	735	4,419
WGL HLDGS INC	COMMON STOCK	92924F106	263	3,640	SH		SOLE		3,640	0	0
WGL HLDGS INC	COMMON STOCK	92924F106	174	2,400	SH		OTR		0	2,400	0
WHOLE FOODS MKT INC	COMMON STOCK	966837106	240	7,725	SH		SOLE		7,725	0	0
WHOLE FOODS MKT INC	COMMON STOCK	966837106	3	109	SH		OTR		109	0	0
WR GRACE & CO	COMMON STOCK	38388F108	427	6,000	SH		OTR		0	0	6,000
XCEL ENERGY INC	COMMON STOCK	98389B100	261	6,237	SH		SOLE		3,086	651	2,500
XCEL ENERGY INC	COMMON STOCK	98389B100	32	775	SH		OTR		775	0	0
XYLEM INC	COMMON STOCK	98419M100	306	7,492	SH		SOLE		7,492	0	0
XYLEM INC	COMMON STOCK	98419M100	115	2,800	SH		OTR		2,800	0	0
YUM! BRANDS INC	COMMON STOCK	988498101	888	10,855	SH		SOLE		10,855	0	0
YUM! BRANDS INC	COMMON STOCK	988498101	210	2,566	SH		OTR		1,791	75	700
ZIMMER BIOMET HOLDINGS INC	COMMON STOCK	98956P102	327	3,068	SH		SOLE		2,598	120	350
ZIMMER BIOMET HOLDINGS INC	COMMON STOCK	98956P102	206	1,933	SH		OTR		1,760	73	100
3M CO	COMMON STOCK	88579Y101	2,939	17,640	SH		SOLE		16,495	525	620
3M CO	COMMON STOCK	88579Y101	518	3,107	SH		OTR		2,382	50	675
NOVO NORDISK AS SPONS ADR	COMMON STOCK	670100205	523	9,660	SH		SOLE		9,660	0	0
ROYAL DUTCH SHELL SPONS ADR	COMMON STOCK	780259206	12	245	SH		SOLE		245	0	0
ROYAL DUTCH SHELL SPONS ADR	COMMON STOCK	780259206	252	5,211	SH		OTR		4,961	0	250
ACCENTURE PLC CL A	COMMON STOCK	G1151C101	215	1,865	SH		SOLE		65	0	1,800
ALLEGION PLC	COMMON STOCK	G0176J109	208	3,266	SH		OTR		3,266	0	0
EATON CORP PLC	COMMON STOCK	G29183103	327	5,229	SH		SOLE		5,229	0	0
EATON CORP PLC	COMMON STOCK	G29183103	326	5,211	SH		OTR		4,136	0	1,075
INGERSOLL-RAND PLC	COMMON STOCK	G47791101	130	2,100	SH		SOLE		2,100	0	0
INGERSOLL-RAND PLC	COMMON STOCK	G47791101	633	10,200	SH		OTR		10,200	0	0
MEDTRONIC PLC	COMMON STOCK	G5960L103	1,714	22,851	SH		SOLE		22,806	0	45
MEDTRONIC PLC	COMMON STOCK	G5960L103	707	9,425	SH		OTR		9,354	71	0
SCHLUMBERGER LTD	COMMON STOCK	806857108	4,294	58,222	SH		SOLE		55,254	95	2,873
SCHLUMBERGER LTD	COMMON STOCK	806857108	827	11,211	SH		OTR		10,926	160	125
SUNCOR ENERGY INC	COMMON STOCK	867224107	187	6,726	SH		SOLE		5,497	0	1,229
SUNCOR ENERGY INC	COMMON STOCK	867224107	37	1,330	SH		OTR		1,330	0	0
TORONTO DOMINION BANK	COMMON STOCK	891160509	1,176	27,256	SH		SOLE		26,356	0	900
ISHARES CORE S&P MID-CAP ETF	OTHER	464287507	3,474	24,093	SH		SOLE		0	0	0
ISHARES CORE S&P MID-CAP ETF	OTHER	464287507	286	1,986	SH		OTR		0	0	0
ISHARES CORE S&P 500 ETF	OTHER	464287200	236	1,144	SH		SOLE		0	0	0
ISHARES DOW JONES US ETF	OTHER	464287846	458	4,472	SH		SOLE		0	0	0
ISHARES MSCI ACWI ETF	OTHER	464288257	406	7,247	SH		SOLE		0	0	0
ISHARES MSCI ACWI EX US ETF	OTHER	464288240	304	7,700	SH		SOLE		0	0	0
ISHARES MSCI EAFE ETF	OTHER	464287465	4,150	72,599	SH		SOLE		0	0	0
ISHARES MSCI EAFE ETF	OTHER	464287465	556	9,726	SH		OTR		0	0	0
ISHARES MSCI EMERGING MKT ETF	OTHER	464287234	1,894	55,308	SH		SOLE		0	0	0
ISHARES MSCI EMERGING MKT ETF	OTHER	464287234	306	8,935	SH		OTR		0	0	0
ISHARES RUSSELL 2000 ETF	OTHER	464287655	7,141	64,550	SH		SOLE		0	0	0
ISHARES RUSSELL 2000 ETF	OTHER	464287655	397	3,591	SH		OTR		0	0	0
ISHARES S&P MIDCAP 400/GRWTH E	OTHER	464287606	41	250	SH		SOLE		0	0	0
ISHARES S&P MIDCAP 400/GRWTH E	OTHER	464287606	187	1,150	SH		OTR		0	0	0
SPDR DJIA TRUST	OTHER	78467X109	1,227	6,944	SH		SOLE		0	0	0
SPDR DJIA TRUST	OTHER	78467X109	325	1,839	SH		OTR		0	0	0
SPDR S&P DIVIDEND ETF	OTHER	78464A763	10,301	128,880	SH		SOLE		0	0	0
SPDR S&P DIVIDEND ETF	OTHER	78464A763	589	7,375	SH		OTR		0	0	0
SPDR S&P MIDCAP 400 ETF TRUST	OTHER	78467Y107	9,820	37,379	SH		SOLE		0	0	0
SPDR S&P MIDCAP 400 ETF TRUST	OTHER	78467Y107	756	2,879	SH		OTR		0	0	0
SPDR S&P 500 ETF TRUST	OTHER	78462F103	4,155	20,215	SH		SOLE		0	0	0
SPDR S&P 500 ETF TRUST	OTHER	78462F103	577	2,809	SH		OTR		0	0	0
VANGUARD FTSE EMERGING MARKETS	OTHER	922042858	1,168	33,767	SH		SOLE		0	0	0
VANGUARD FTSE EMERGING MARKETS	OTHER	922042858	224	6,470	SH		OTR		0	0	0
VANGUARD LARGE-CAP ETF	OTHER	922908637	143	1,520	SH		SOLE		0	0	0
VANGUARD LARGE-CAP ETF	OTHER	922908637	125	1,330	SH		OTR		0	0	0
VANGUARD S&P 500 ETF	OTHER	922908363	6,633	35,175	SH		SOLE		0	0	0
ISHARES BARCLAYS SHORT TREAS B	OTHER	464288679	226	2,044	SH		SOLE		0	0	0
ISHARES BARCLAYS TIPS BOND ETF	OTHER	464287176	234	2,040	SH		SOLE		0	0	0
ISHARES BARCLAYS TIPS BOND ETF	OTHER	464287176	3	26	SH		OTR		0	0	0
ISHARES BARCLAYS 1-3 YEAR CR E	OTHER	464288646	269	2,548	SH		SOLE		0	0	0
ISHARES BARCLAYS 1-3 YEAR TR E	OTHER	464287457	565	6,645	SH		SOLE		0	0	0
ISHARES BARCLAYS 1-3 YEAR TR E	OTHER	464287457	3	38	SH		OTR		0	0	0
ISHARES BARCLAYS 7-10 YEAR TR	OTHER	464287440	421	3,819	SH		SOLE		0	0	0
ISHARES CORE U.S. AGGREGATE BO	OTHER	464287226	1,567	14,135	SH		SOLE		0	0	0
ISHARES S&P PREF STK ETF	OTHER	464288687	2,658	68,102	SH		SOLE		0	0	0
ISHARES S&P PREF STK ETF	OTHER	464288687	332	8,516	SH		OTR		0	0	0
ISHARES S&P/CITI INT TRE BND E	OTHER	464288117	776	7,985	SH		SOLE		0	0	0
ISHARES S&P/CITI 1-3 INT TRE E	OTHER	464288125	237	2,893	SH		SOLE		0	0	0
SPDR BARCLAYS I/T CORP BD ETF	OTHER	78464A375	1,236	36,061	SH		SOLE		0	0	0
VANGUARD INTER TERM CORP BOND	OTHER	92206C870	955	10,991	SH		SOLE		0	0	0
VANGUARD INTER TERM CORP BOND	OTHER	92206C870	230	2,650	SH		OTR		0	0	0
VANGUARD INTERMEDIATE-TERM BON	OTHER	921937819	362	4,200	SH		SOLE		0	0	0
VANGUARD INTERMEDIATE-TERM BON	OTHER	921937819	32	375	SH		OTR		0	0	0
VANGUARD TOTAL BOND MARKET ETF	OTHER	921937835	257	3,098	SH		SOLE		0	0	0