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	3,767	95,828	SH		SOLE		92,774	100	2,954
ABBOTT LABS	COMMON STOCK	002824100	730	18,573	SH		OTR		16,986	1,437	150
ABBVIE INC	COMMON STOCK	00287Y109	4,062	65,614	SH		SOLE		61,348	100	4,166
ABBVIE INC	COMMON STOCK	00287Y109	1,005	16,227	SH		OTR		14,187	1,340	700
ACTIVISION BLIZZARD, INC	COMMON STOCK	00507V109	475	11,997	SH		SOLE		11,997	0	0
ACTIVISION BLIZZARD, INC	COMMON STOCK	00507V109	293	7,385	SH		OTR		7,385	0	0
AIR PRODUCTS & CHEMICALS INC	COMMON STOCK	009158106	1,426	10,040	SH		SOLE		10,040	0	0
AIR PRODUCTS & CHEMICALS INC	COMMON STOCK	009158106	435	3,065	SH		OTR		3,065	0	0
ALLSTATE CORP	COMMON STOCK	020002101	132	1,885	SH		SOLE		1,885	0	0
ALLSTATE CORP	COMMON STOCK	020002101	246	3,522	SH		OTR		3,522	0	0
ALPHABET INC CL A	COMMON STOCK	02079K305	2,776	3,946	SH		SOLE		3,753	8	185
ALPHABET INC CL A	COMMON STOCK	02079K305	546	776	SH		OTR		776	0	0
ALPHABET INC CL C	COMMON STOCK	02079K107	3,168	4,578	SH		SOLE		4,350	8	220
ALPHABET INC CL C	COMMON STOCK	02079K107	762	1,101	SH		OTR		1,101	0	0
ALTRIA GROUP INC	COMMON STOCK	02209S103	2,142	31,060	SH		SOLE		29,685	0	1,375
ALTRIA GROUP INC	COMMON STOCK	02209S103	2,131	30,900	SH		OTR		28,650	200	2,050
AMAZON.COM INC	COMMON STOCK	023135106	288	403	SH		SOLE		403	0	0
AMERICAN EXPRESS CO	COMMON STOCK	025816109	1,432	23,575	SH		SOLE		21,789	100	1,686
AMERICAN EXPRESS CO	COMMON STOCK	025816109	713	11,735	SH		OTR		10,235	0	1,500
AMERICAN WATER WORKS CO INC	COMMON STOCK	030420103	1,612	19,069	SH		SOLE		18,669	0	400
AMERICAN WATER WORKS CO INC	COMMON STOCK	030420103	703	8,315	SH		OTR		6,305	0	2,010
AMGEN INC	COMMON STOCK	031162100	549	3,610	SH		SOLE		3,610	0	0
AMGEN INC	COMMON STOCK	031162100	154	1,010	SH		OTR		1,010	0	0
ANADARKO PETROLEUM CORPORATION	COMMON STOCK	032511107	164	3,075	SH		SOLE		1,575	0	1,500
ANADARKO PETROLEUM CORPORATION	COMMON STOCK	032511107	141	2,650	SH		OTR		2,350	0	300
APACHE CORP	COMMON STOCK	037411105	1,178	21,169	SH		SOLE		20,969	0	200
APACHE CORP	COMMON STOCK	037411105	592	10,635	SH		OTR		10,635	0	0
APPLE INC	COMMON STOCK	037833100	10,699	111,911	SH		SOLE		104,944	489	6,478
APPLE INC	COMMON STOCK	037833100	3,194	33,405	SH		OTR		31,850	905	650
AT&T INC	COMMON STOCK	00206R102	4,221	97,676	SH		SOLE		94,925	750	2,001
AT&T INC	COMMON STOCK	00206R102	2,029	46,949	SH		OTR		41,382	105	5,462
AUTOLIV INC	COMMON STOCK	052800109	1,372	12,766	SH		SOLE		12,016	0	750
AUTOLIV INC	COMMON STOCK	052800109	1,447	13,469	SH		OTR		13,469	0	0
AUTOMATIC DATA PROCESSING INC	COMMON STOCK	053015103	4,058	44,170	SH		SOLE		43,590	0	580
AUTOMATIC DATA PROCESSING INC	COMMON STOCK	053015103	857	9,330	SH		OTR		7,585	100	1,645
BANK OF AMERICA CORP	COMMON STOCK	060505104	219	16,536	SH		SOLE		15,417	0	1,119
BANK OF AMERICA CORP	COMMON STOCK	060505104	200	15,082	SH		OTR		14,825	0	257
BANK OF NEW YORK MELLON CORP	COMMON STOCK	064058100	145	3,730	SH		SOLE		3,730	0	0
BANK OF NEW YORK MELLON CORP	COMMON STOCK	064058100	375	9,651	SH		OTR		9,151	0	500
BAXTER INTL INC	COMMON STOCK	071813109	503	11,134	SH		SOLE		10,934	0	200
BAXTER INTL INC	COMMON STOCK	071813109	172	3,799	SH		OTR		2,189	0	1,610
BECTON DICKINSON	COMMON STOCK	075887109	384	2,265	SH		SOLE		2,265	0	0
BECTON DICKINSON	COMMON STOCK	075887109	204	1,200	SH		OTR		1,200	0	0
BED BATH & BEYOND INC	COMMON STOCK	075896100	205	4,738	SH		SOLE		4,738	0	0
BED BATH & BEYOND INC	COMMON STOCK	075896100	17	400	SH		OTR		400	0	0
BERKSHIRE HATHAWAY INC-CL B	COMMON STOCK	084670702	3,898	26,925	SH		SOLE		26,615	110	200
BERKSHIRE HATHAWAY INC-CL B	COMMON STOCK	084670702	1,105	7,631	SH		OTR		7,461	20	150
BEST BUY COMPANY INC	COMMON STOCK	086516101	575	18,778	SH		SOLE		18,778	0	0
BEST BUY COMPANY INC	COMMON STOCK	086516101	19	617	SH		OTR		617	0	0
BLACKROCK INC CL A	COMMON STOCK	09247X101	171	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	1,885	14,517	SH		SOLE		13,472	0	1,045
BOEING CO	COMMON STOCK	097023105	773	5,955	SH		OTR		5,955	0	0
BRISTOL MYERS SQUIBB CO	COMMON STOCK	110122108	6,117	83,162	SH		SOLE		74,992	4,450	3,720
BRISTOL MYERS SQUIBB CO	COMMON STOCK	110122108	2,486	33,802	SH		OTR		30,271	1,381	2,150
CAPITAL ONE FINANCIAL CORP	COMMON STOCK	14040H105	237	3,726	SH		SOLE		3,726	0	0
CATERPILLAR INC	COMMON STOCK	149123101	1,927	25,425	SH		SOLE		25,033	74	318
CATERPILLAR INC	COMMON STOCK	149123101	833	10,985	SH		OTR		10,640	45	300
CELGENE CORP	COMMON STOCK	151020104	881	8,928	SH		SOLE		6,778	0	2,150
CELGENE CORP	COMMON STOCK	151020104	205	2,080	SH		OTR		2,080	0	0
CHEVRON CORPORATION	COMMON STOCK	166764100	8,398	80,113	SH		SOLE		76,090	1,875	2,148
CHEVRON CORPORATION	COMMON STOCK	166764100	3,512	33,503	SH		OTR		30,199	1,460	1,844
CHURCH & DWIGHT INC	COMMON STOCK	171340102	323	3,142	SH		SOLE		3,142	0	0
CISCO SYSTEMS INC	COMMON STOCK	17275R102	3,818	133,070	SH		SOLE		127,902	250	4,918
CISCO SYSTEMS INC	COMMON STOCK	17275R102	1,208	42,098	SH		OTR		41,603	495	0
CITIGROUP INC	COMMON STOCK	172967424	305	7,193	SH		SOLE		7,193	0	0
CITIGROUP INC	COMMON STOCK	172967424	127	3,007	SH		OTR		2,967	0	40
CLOROX COMPANY	COMMON STOCK	189054109	1,763	12,742	SH		SOLE		12,642	0	100
CLOROX COMPANY	COMMON STOCK	189054109	646	4,665	SH		OTR		4,180	0	485
COCA COLA CO	COMMON STOCK	191216100	2,918	64,370	SH		SOLE		57,770	1,400	5,200
COCA COLA CO	COMMON STOCK	191216100	1,508	33,270	SH		OTR		27,840	0	5,430
COGNIZANT TECHNOLOGY SOLUTIONS	COMMON STOCK	192446102	323	5,651	SH		SOLE		5,651	0	0
COLGATE PALMOLIVE CO	COMMON STOCK	194162103	3,443	47,037	SH		SOLE		41,100	1,695	4,242
COLGATE PALMOLIVE CO	COMMON STOCK	194162103	2,316	31,638	SH		OTR		28,838	0	2,800
COMCAST CORP-CL A	COMMON STOCK	20030N101	813	12,471	SH		SOLE		11,356	0	1,115
COMCAST CORP-CL A	COMMON STOCK	20030N101	157	2,412	SH		OTR		1,612	200	600
CONOCOPHILLIPS	COMMON STOCK	20825C104	1,741	39,930	SH		SOLE		36,502	425	3,003
CONOCOPHILLIPS	COMMON STOCK	20825C104	149	3,428	SH		OTR		3,278	150	0
CONSUMER DISCRETIONARY SELT	COMMON STOCK	81369Y407	1,634	20,931	SH		SOLE		19,031	0	1,900
CONSUMER DISCRETIONARY SELT	COMMON STOCK	81369Y407	218	2,795	SH		OTR		2,130	530	135
CONSUMER STAPLES SELECT SECTOR	COMMON STOCK	81369Y308	1,004	18,213	SH		SOLE		16,547	0	1,666
CONSUMER STAPLES SELECT SECTOR	COMMON STOCK	81369Y308	122	2,207	SH		OTR		1,917	100	190
CORNING INC	COMMON STOCK	219350105	664	32,413	SH		SOLE		32,413	0	0
CORNING INC	COMMON STOCK	219350105	168	8,200	SH		OTR		7,500	700	0
COSTCO WHOLESALE CORP	COMMON STOCK	22160K105	158	1,007	SH		SOLE		1,007	0	0
COSTCO WHOLESALE CORP	COMMON STOCK	22160K105	128	815	SH		OTR		525	0	290
CSX CORP	COMMON STOCK	126408103	103	3,960	SH		SOLE		3,960	0	0
CSX CORP	COMMON STOCK	126408103	103	3,955	SH		OTR		3,955	0	0
CVS HEALTH CORP	COMMON STOCK	126650100	4,230	44,181	SH		SOLE		44,181	0	0
CVS HEALTH CORP	COMMON STOCK	126650100	1,211	12,654	SH		OTR		11,514	240	900
DANAHER CORP	COMMON STOCK	235851102	5,069	50,191	SH		SOLE		47,379	124	2,688
DANAHER CORP	COMMON STOCK	235851102	1,369	13,552	SH		OTR		11,732	230	1,590
DEERE & CO	COMMON STOCK	244199105	381	4,700	SH		SOLE		4,700	0	0
DEERE & CO	COMMON STOCK	244199105	429	5,290	SH		OTR		5,290	0	0
DISNEY WALT CO NEW	COMMON STOCK	254687106	5,800	59,296	SH		SOLE		58,156	124	1,016
DISNEY WALT CO NEW	COMMON STOCK	254687106	2,447	25,018	SH		OTR		23,588	320	1,110
DOMINION RESOURCES INC	COMMON STOCK	25746U109	2,647	33,965	SH		SOLE		32,680	300	985
DOMINION RESOURCES INC	COMMON STOCK	25746U109	1,043	13,388	SH		OTR		8,433	1,050	3,905
DOW CHEMICAL COMPANY	COMMON STOCK	260543103	541	10,875	SH		SOLE		10,875	0	0
DOW CHEMICAL COMPANY	COMMON STOCK	260543103	950	19,117	SH		OTR		17,717	0	1,400
DU PONT E I DE NEMOURS & CO	COMMON STOCK	263534109	3,424	52,839	SH		SOLE		50,924	0	1,915
DU PONT E I DE NEMOURS & CO	COMMON STOCK	263534109	1,754	27,072	SH		OTR		22,726	111	4,235
DUKE ENERGY CORP	COMMON STOCK	26441C204	235	2,734	SH		SOLE		2,102	566	66
DUKE ENERGY CORP	COMMON STOCK	26441C204	344	4,013	SH		OTR		2,761	1,000	252
ECOLAB INC	COMMON STOCK	278865100	1,909	16,093	SH		SOLE		15,793	0	300
ECOLAB INC	COMMON STOCK	278865100	368	3,105	SH		OTR		1,685	0	1,420
EMC CORP MASS	COMMON STOCK	268648102	956	35,185	SH		SOLE		32,000	0	3,185
EMC CORP MASS	COMMON STOCK	268648102	632	23,251	SH		OTR		20,651	400	2,200
EMERSON ELEC CO	COMMON STOCK	291011104	983	18,846	SH		SOLE		17,846	800	200
EMERSON ELEC CO	COMMON STOCK	291011104	293	5,615	SH		OTR		5,615	0	0
ENERGY SELECT SECTOR SPDR	COMMON STOCK	81369Y506	943	13,819	SH		SOLE		13,101	0	718
ENERGY SELECT SECTOR SPDR	COMMON STOCK	81369Y506	77	1,133	SH		OTR		900	80	153
ENTERPRISE PRODS PARTNERS LP	COMMON STOCK	293792107	493	16,845	SH		SOLE		11,845	0	5,000
ENTERPRISE PRODS PARTNERS LP	COMMON STOCK	293792107	114	3,880	SH		OTR		3,880	0	0
EXELON CORP	COMMON STOCK	30161N101	170	4,683	SH		SOLE		4,683	0	0
EXELON CORP	COMMON STOCK	30161N101	142	3,909	SH		OTR		3,059	0	850
EXPEDITORS INTL WASH INC	COMMON STOCK	302130109	176	3,580	SH		SOLE		3,380	0	200
EXPEDITORS INTL WASH INC	COMMON STOCK	302130109	56	1,140	SH		OTR		1,140	0	0
EXPRESS SCRIPTS HLDG	COMMON STOCK	30219G108	1,264	16,677	SH		SOLE		15,963	150	564
EXPRESS SCRIPTS HLDG	COMMON STOCK	30219G108	193	2,551	SH		OTR		2,396	0	155
EXXONMOBIL CORP	COMMON STOCK	30231G102	15,172	161,847	SH		SOLE		156,063	1,324	4,460
EXXONMOBIL CORP	COMMON STOCK	30231G102	7,217	76,987	SH		OTR		73,740	597	2,650
FACEBOOK INC-A	COMMON STOCK	30303M102	331	2,897	SH		SOLE		2,862	0	35
FACEBOOK INC-A	COMMON STOCK	30303M102	57	500	SH		OTR		500	0	0
FEDEX CORPORATION	COMMON STOCK	31428X106	238	1,566	SH		SOLE		1,566	0	0
FINANCIAL SELECT SECTOR SPDR	COMMON STOCK	81369Y605	1,164	50,939	SH		SOLE		49,439	0	1,500
FINANCIAL SELECT SECTOR SPDR	COMMON STOCK	81369Y605	114	4,991	SH		OTR		4,543	448	0
FIRST NIAGARA FINANCIAL GRP	COMMON STOCK	33582V108	65	6,667	SH		SOLE		2,000	0	4,667
FIRST NIAGARA FINANCIAL GRP	COMMON STOCK	33582V108	78	8,000	SH		OTR		8,000	0	0
FISERV INC	COMMON STOCK	337738108	2,956	27,184	SH		SOLE		26,688	150	346
FISERV INC	COMMON STOCK	337738108	62	566	SH		OTR		566	0	0
FORTUNE BRANDS INC	COMMON STOCK	34964C106	298	5,144	SH		OTR		5,144	0	0
GENERAL DYNAMICS CORP	COMMON STOCK	369550108	327	2,348	SH		SOLE		2,273	0	75
GENERAL DYNAMICS CORP	COMMON STOCK	369550108	223	1,600	SH		OTR		1,600	0	0
GENERAL ELECTRIC CORP	COMMON STOCK	369604103	9,837	312,495	SH		SOLE		297,583	2,148	12,764
GENERAL ELECTRIC CORP	COMMON STOCK	369604103	3,867	122,824	SH		OTR		108,308	5,166	9,350
GENERAL MLS INC	COMMON STOCK	370334104	2,531	35,481	SH		SOLE		34,581	0	900
GENERAL MLS INC	COMMON STOCK	370334104	1,126	15,792	SH		OTR		12,287	500	3,005
GILEAD SCIENCES INC	COMMON STOCK	375558103	1,147	13,744	SH		SOLE		10,744	0	3,000
GILEAD SCIENCES INC	COMMON STOCK	375558103	93	1,120	SH		OTR		1,120	0	0
GLAXO SMITHKLINE SPONS ADR	COMMON STOCK	37733W105	754	17,398	SH		SOLE		16,919	124	355
GLAXO SMITHKLINE SPONS ADR	COMMON STOCK	37733W105	346	7,974	SH		OTR		6,969	255	750
GOLDMAN SACHS GROUP INC	COMMON STOCK	38141G104	867	5,837	SH		SOLE		5,708	64	65
GOLDMAN SACHS GROUP INC	COMMON STOCK	38141G104	537	3,616	SH		OTR		3,606	10	0
GRAINGER W W INC	COMMON STOCK	384802104	1,564	6,884	SH		SOLE		6,784	0	100
GRAINGER W W INC	COMMON STOCK	384802104	508	2,235	SH		OTR		1,365	0	870
HEALTH CARE SELECT SECTOR SPDR	COMMON STOCK	81369Y209	1,010	14,081	SH		SOLE		13,111	0	970
HEALTH CARE SELECT SECTOR SPDR	COMMON STOCK	81369Y209	183	2,546	SH		OTR		2,546	0	0
HOME DEPOT INC	COMMON STOCK	437076102	1,043	8,171	SH		SOLE		6,647	0	1,524
HOME DEPOT INC	COMMON STOCK	437076102	732	5,730	SH		OTR		5,530	0	200
HONEYWELL INTERNATIONAL INC	COMMON STOCK	438516106	3,127	26,882	SH		SOLE		24,901	0	1,981
HONEYWELL INTERNATIONAL INC	COMMON STOCK	438516106	868	7,460	SH		OTR		3,887	2,565	1,008
ILLINOIS TOOL WKS INC	COMMON STOCK	452308109	1,147	11,014	SH		SOLE		11,014	0	0
ILLINOIS TOOL WKS INC	COMMON STOCK	452308109	78	752	SH		OTR		752	0	0
INDUSTRIAL SELECT SECTOR SPDR	COMMON STOCK	81369Y704	1,266	22,603	SH		SOLE		22,129	0	474
INDUSTRIAL SELECT SECTOR SPDR	COMMON STOCK	81369Y704	100	1,784	SH		OTR		1,684	0	100
INTEL CORP	COMMON STOCK	458140100	7,229	220,394	SH		SOLE		212,026	3,098	5,270
INTEL CORP	COMMON STOCK	458140100	1,685	51,377	SH		OTR		47,217	2,460	1,700
INTL. BUSINESS MACHINES CORP	COMMON STOCK	459200101	5,661	37,295	SH		SOLE		33,633	665	2,997
INTL. BUSINESS MACHINES CORP	COMMON STOCK	459200101	3,109	20,482	SH		OTR		19,052	20	1,410
ISHARES DJ US TELCOM SECTOR ET	COMMON STOCK	464287713	770	23,129	SH		SOLE		23,129	0	0
ISHARES DJ US TELCOM SECTOR ET	COMMON STOCK	464287713	387	11,608	SH		OTR		11,408	200	0
ISHARES NASDAQ BIOTECH ETF	COMMON STOCK	464287556	6,211	24,136	SH		SOLE		23,151	105	880
ISHARES NASDAQ BIOTECH ETF	COMMON STOCK	464287556	1,280	4,975	SH		OTR		4,805	120	50
JM SMUCKER CO	COMMON STOCK	832696405	121	794	SH		SOLE		701	0	93
JM SMUCKER CO	COMMON STOCK	832696405	309	2,026	SH		OTR		1,426	600	0
JOHNSON & JOHNSON	COMMON STOCK	478160104	14,718	121,335	SH		SOLE		112,636	811	7,888
JOHNSON & JOHNSON	COMMON STOCK	478160104	4,687	38,640	SH		OTR		33,165	1,320	4,155
JP MORGAN CHASE & CO	COMMON STOCK	46625H100	7,970	128,255	SH		SOLE		122,115	325	5,815
JP MORGAN CHASE & CO	COMMON STOCK	46625H100	3,155	50,772	SH		OTR		45,572	2,940	2,260
KBW BANK ETF	COMMON STOCK	78464A797	225	7,366	SH		SOLE		7,066	0	300
KBW BANK ETF	COMMON STOCK	78464A797	37	1,228	SH		OTR		1,128	0	100
KBW REGIONAL BANKING ETF	COMMON STOCK	78464A698	2,578	67,135	SH		SOLE		66,462	198	475
KBW REGIONAL BANKING ETF	COMMON STOCK	78464A698	824	21,456	SH		OTR		21,256	100	100
KIMBERLY CLARK CORP	COMMON STOCK	494368103	624	4,540	SH		SOLE		4,490	0	50
KIMBERLY CLARK CORP	COMMON STOCK	494368103	231	1,680	SH		OTR		1,625	55	0
KRAFT HEINZ CO	COMMON STOCK	500754106	584	6,606	SH		SOLE		6,517	0	89
KRAFT HEINZ CO	COMMON STOCK	500754106	435	4,911	SH		OTR		4,555	46	310
LILLY ELI & CO	COMMON STOCK	532457108	394	5,004	SH		SOLE		4,476	0	528
LILLY ELI & CO	COMMON STOCK	532457108	552	7,010	SH		OTR		5,985	0	1,025
LOCKHEED MARTIN CORP	COMMON STOCK	539830109	3,355	13,518	SH		SOLE		12,803	0	715
LOCKHEED MARTIN CORP	COMMON STOCK	539830109	700	2,822	SH		OTR		2,810	12	0
LOWES COS INC	COMMON STOCK	548661107	8,100	102,310	SH		SOLE		101,504	174	632
LOWES COS INC	COMMON STOCK	548661107	2,212	27,945	SH		OTR		27,010	235	700
M & T BANK CORP	COMMON STOCK	55261F104	59	500	SH		SOLE		500	0	0
M & T BANK CORP	COMMON STOCK	55261F104	390	3,300	SH		OTR		1,200	2,100	0
MAGELLAN MIDSTREAM PARTNERS LP	COMMON STOCK	559080106	274	3,600	SH		SOLE		0	0	3,600
MATERIALS SELECT SPDR FUND	COMMON STOCK	81369Y100	1,415	30,538	SH		SOLE		27,590	110	2,838
MATERIALS SELECT SPDR FUND	COMMON STOCK	81369Y100	146	3,147	SH		OTR		2,417	525	205
MCDONALDS CORP	COMMON STOCK	580135101	8,227	68,362	SH		SOLE		66,395	964	1,003
MCDONALDS CORP	COMMON STOCK	580135101	2,475	20,569	SH		OTR		19,269	500	800
MERCK & CO INC	COMMON STOCK	58933Y105	3,453	59,930	SH		SOLE		57,704	850	1,376
MERCK & CO INC	COMMON STOCK	58933Y105	1,432	24,856	SH		OTR		22,845	86	1,925
METLIFE INC	COMMON STOCK	59156R108	467	11,721	SH		SOLE		11,721	0	0
METLIFE INC	COMMON STOCK	59156R108	83	2,088	SH		OTR		1,588	500	0
MICROCHIP TECHNOLOGY INC	COMMON STOCK	595017104	1,811	35,671	SH		SOLE		35,171	0	500
MICROCHIP TECHNOLOGY INC	COMMON STOCK	595017104	421	8,300	SH		OTR		6,175	800	1,325
MICROSOFT CORP	COMMON STOCK	594918104	9,018	176,236	SH		SOLE		171,168	650	4,418
MICROSOFT CORP	COMMON STOCK	594918104	3,034	59,297	SH		OTR		51,390	4,807	3,100
MONDELEZ INTERNATIONAL INC	COMMON STOCK	609207105	993	21,809	SH		SOLE		21,126	0	683
MONDELEZ INTERNATIONAL INC	COMMON STOCK	609207105	565	12,418	SH		OTR		11,347	138	933
MONSANTO CO	COMMON STOCK	61166W101	1,555	15,033	SH		SOLE		14,062	42	929
MONSANTO CO	COMMON STOCK	61166W101	273	2,639	SH		OTR		2,569	70	0
NBT BANCORP INC	COMMON STOCK	628778102	5,806	202,796	SH		SOLE		104,445	0	98,351
NBT BANCORP INC	COMMON STOCK	628778102	1,948	68,043	SH		OTR		65,643	0	2,400
NEXTERA ENERGY INC	COMMON STOCK	65339F101	3,087	23,672	SH		SOLE		21,232	0	2,440
NEXTERA ENERGY INC	COMMON STOCK	65339F101	1,320	10,119	SH		OTR		7,084	750	2,285
NIKE INC-CLASS B	COMMON STOCK	654106103	2,516	45,580	SH		SOLE		45,180	0	400
NIKE INC-CLASS B	COMMON STOCK	654106103	602	10,910	SH		OTR		6,910	0	4,000
NORFOLK SOUTHERN CORP	COMMON STOCK	655844108	808	9,488	SH		SOLE		8,088	0	1,400
NORFOLK SOUTHERN CORP	COMMON STOCK	655844108	612	7,194	SH		OTR		5,994	0	1,200
NOVARTIS AG SPONS ADR	COMMON STOCK	66987V109	2,641	32,013	SH		SOLE		31,484	94	435
NOVARTIS AG SPONS ADR	COMMON STOCK	66987V109	968	11,730	SH		OTR		10,295	150	1,285
NUCOR CORP	COMMON STOCK	670346105	654	13,232	SH		SOLE		13,232	0	0
NUCOR CORP	COMMON STOCK	670346105	206	4,169	SH		OTR		3,169	0	1,000
ORACLE CORPORATION	COMMON STOCK	68389X105	2,902	70,901	SH		SOLE		68,717	0	2,184
ORACLE CORPORATION	COMMON STOCK	68389X105	1,359	33,204	SH		OTR		32,949	255	0
PEPSICO INC	COMMON STOCK	713448108	10,024	94,615	SH		SOLE		93,264	400	951
PEPSICO INC	COMMON STOCK	713448108	2,664	25,150	SH		OTR		22,270	1,470	1,410
PFIZER INC	COMMON STOCK	717081103	5,622	159,678	SH		SOLE		157,174	0	2,504
PFIZER INC	COMMON STOCK	717081103	2,392	67,923	SH		OTR		63,014	2,020	2,889
PG & E CORP	COMMON STOCK	69331C108	54	846	SH		SOLE		846	0	0
PG & E CORP	COMMON STOCK	69331C108	202	3,155	SH		OTR		3,155	0	0
PHILIP MORRIS INTERNATIONAL	COMMON STOCK	718172109	2,444	24,024	SH		SOLE		23,149	0	875
PHILIP MORRIS INTERNATIONAL	COMMON STOCK	718172109	2,637	25,925	SH		OTR		24,425	150	1,350
PRAXAIR INC	COMMON STOCK	74005P104	1,623	14,439	SH		SOLE		14,189	0	250
PRAXAIR INC	COMMON STOCK	74005P104	483	4,295	SH		OTR		3,170	0	1,125
PROCTER & GAMBLE CO	COMMON STOCK	742718109	11,138	131,541	SH		SOLE		123,914	1,244	6,383
PROCTER & GAMBLE CO	COMMON STOCK	742718109	4,317	50,981	SH		OTR		44,006	2,315	4,660
PRUDENTIAL FINL INC	COMMON STOCK	744320102	2,143	30,046	SH		SOLE		29,656	190	200
PRUDENTIAL FINL INC	COMMON STOCK	744320102	834	11,692	SH		OTR		11,342	150	200
PUBLIC SERVICE ENTERPRISE GROU	COMMON STOCK	744573106	176	3,782	SH		SOLE		3,382	400	0
PUBLIC SERVICE ENTERPRISE GROU	COMMON STOCK	744573106	141	3,025	SH		OTR		3,025	0	0
QUALCOMM INC	COMMON STOCK	747525103	3,077	57,438	SH		SOLE		56,364	225	849
QUALCOMM INC	COMMON STOCK	747525103	816	15,235	SH		OTR		14,390	245	600
ROCKWELL AUTOMATION INC	COMMON STOCK	773903109	224	1,950	SH		SOLE		1,750	0	200
ROCKWELL AUTOMATION INC	COMMON STOCK	773903109	17	150	SH		OTR		150	0	0
S&P GLOBAL INC	COMMON STOCK	78409V104	215	2,000	SH		SOLE		0	0	2,000
SOUTHERN COMPANY	COMMON STOCK	842587107	1,558	29,044	SH		SOLE		28,544	200	300
SOUTHERN COMPANY	COMMON STOCK	842587107	987	18,395	SH		OTR		16,195	2,000	200
SPECTRA ENERGY CORP	COMMON STOCK	847560109	470	12,840	SH		SOLE		12,407	300	133
SPECTRA ENERGY CORP	COMMON STOCK	847560109	32	867	SH		OTR		867	0	0
ST JUDE MEDICAL INC	COMMON STOCK	790849103	332	4,252	SH		SOLE		4,252	0	0
ST JUDE MEDICAL INC	COMMON STOCK	790849103	25	315	SH		OTR		315	0	0
STARBUCKS CORP	COMMON STOCK	855244109	12	216	SH		SOLE		216	0	0
STARBUCKS CORP	COMMON STOCK	855244109	194	3,400	SH		OTR		3,400	0	0
STARWOOD HOTELS & RESORTS	COMMON STOCK	85590A401	283	3,830	SH		SOLE		3,830	0	0
STARWOOD HOTELS & RESORTS	COMMON STOCK	85590A401	103	1,390	SH		OTR		1,390	0	0
STATE STREET CORP	COMMON STOCK	857477103	372	6,895	SH		SOLE		6,720	0	175
STATE STREET CORP	COMMON STOCK	857477103	21	385	SH		OTR		385	0	0
STRYKER CORPORATION	COMMON STOCK	863667101	643	5,362	SH		SOLE		5,362	0	0
STRYKER CORPORATION	COMMON STOCK	863667101	24	200	SH		OTR		200	0	0
SYSCO CORP	COMMON STOCK	871829107	505	9,955	SH		SOLE		9,955	0	0
SYSCO CORP	COMMON STOCK	871829107	396	7,810	SH		OTR		7,185	0	625
T ROWE PRICE GROUP INC	COMMON STOCK	74144T108	4,437	60,802	SH		SOLE		60,013	184	605
T ROWE PRICE GROUP INC	COMMON STOCK	74144T108	1,145	15,691	SH		OTR		15,096	295	300
TARGET CORP	COMMON STOCK	87612E106	4,255	60,937	SH		SOLE		57,207	209	3,521
TARGET CORP	COMMON STOCK	87612E106	967	13,847	SH		OTR		12,749	373	725
TECHNOLOGY SELECT SECT SPDR	COMMON STOCK	81369Y803	1,921	44,285	SH		SOLE		43,360	325	600
TECHNOLOGY SELECT SECT SPDR	COMMON STOCK	81369Y803	172	3,959	SH		OTR		3,259	700	0
TEXTRON INC	COMMON STOCK	883203101	711	19,440	SH		SOLE		19,440	0	0
THE MOSAIC COMPANY	COMMON STOCK	61945C103	210	8,008	SH		SOLE		8,008	0	0
THE MOSAIC COMPANY	COMMON STOCK	61945C103	283	10,809	SH		OTR		10,724	85	0
THERMO FISHER SCIENTIFIC INC	COMMON STOCK	883556102	222	1,500	SH		SOLE		0	0	1,500
TJX COS INC	COMMON STOCK	872540109	1,999	25,889	SH		SOLE		22,746	300	2,843
TJX COS INC	COMMON STOCK	872540109	636	8,235	SH		OTR		8,065	170	0
TOYOTA MOTOR CORP SPONS ADR	COMMON STOCK	892331307	417	4,168	SH		SOLE		4,053	0	115
TOYOTA MOTOR CORP SPONS ADR	COMMON STOCK	892331307	12	118	SH		OTR		118	0	0
TRAVELERS COMPANIES INC	COMMON STOCK	89417E109	148	1,241	SH		SOLE		1,141	0	100
TRAVELERS COMPANIES INC	COMMON STOCK	89417E109	63	531	SH		OTR		307	0	224
UNION PAC CORP	COMMON STOCK	907818108	4,037	46,264	SH		SOLE		45,183	0	1,081
UNION PAC CORP	COMMON STOCK	907818108	1,490	17,080	SH		OTR		14,860	0	2,220
UNITED PARCEL SERVICE CL B	COMMON STOCK	911312106	723	6,715	SH		SOLE		5,715	0	1,000
UNITED PARCEL SERVICE CL B	COMMON STOCK	911312106	175	1,620	SH		OTR		1,620	0	0
UNITED TECHNOLOGIES CORP	COMMON STOCK	913017109	6,676	65,097	SH		SOLE		61,713	374	3,010
UNITED TECHNOLOGIES CORP	COMMON STOCK	913017109	2,309	22,516	SH		OTR		19,176	1,940	1,400
UNITEDHEALTH GROUP INC	COMMON STOCK	91324P102	3,291	23,305	SH		SOLE		22,065	0	1,240
UNITEDHEALTH GROUP INC	COMMON STOCK	91324P102	1,119	7,925	SH		OTR		7,650	150	125
US BANCORP NEW	COMMON STOCK	902973304	2,352	58,322	SH		SOLE		54,983	178	3,161
US BANCORP NEW	COMMON STOCK	902973304	182	4,501	SH		OTR		4,031	470	0
UTILITIES SELECT SECTOR SPDR	COMMON STOCK	81369Y886	2,670	50,895	SH		SOLE		47,851	156	2,888
UTILITIES SELECT SECTOR SPDR	COMMON STOCK	81369Y886	903	17,213	SH		OTR		16,263	525	425
V.F. CORP	COMMON STOCK	918204108	348	5,661	SH		SOLE		5,661	0	0
V.F. CORP	COMMON STOCK	918204108	18	300	SH		OTR		300	0	0
VANECK VECTORS AGRIBUSINESS ET	COMMON STOCK	92189F700	1,427	29,713	SH		SOLE		28,177	184	1,352
VANECK VECTORS AGRIBUSINESS ET	COMMON STOCK	92189F700	543	11,301	SH		OTR		11,076	125	100
VANGUARD REIT ETF	COMMON STOCK	922908553	1,949	21,979	SH		SOLE		21,979	0	0
VANGUARD REIT ETF	COMMON STOCK	922908553	352	3,972	SH		OTR		2,983	989	0
VERIZON COMMUNICATIONS	COMMON STOCK	92343V104	5,034	90,150	SH		SOLE		82,744	2,753	4,653
VERIZON COMMUNICATIONS	COMMON STOCK	92343V104	2,854	51,119	SH		OTR		43,079	4,995	3,045
WAL MART STORES INC	COMMON STOCK	931142103	1,691	23,156	SH		SOLE		22,690	0	466
WAL MART STORES INC	COMMON STOCK	931142103	824	11,288	SH		OTR		10,738	150	400
WALGREENS BOOTS ALLIANCE INC	COMMON STOCK	931427108	2,099	25,202	SH		SOLE		24,646	148	408
WALGREENS BOOTS ALLIANCE INC	COMMON STOCK	931427108	113	1,359	SH		OTR		953	102	304
WELLS FARGO & CO	COMMON STOCK	949746101	5,935	125,393	SH		SOLE		121,046	158	4,189
WELLS FARGO & CO	COMMON STOCK	949746101	2,095	44,270	SH		OTR		38,946	905	4,419
WGL HLDGS INC	COMMON STOCK	92924F106	234	3,310	SH		SOLE		3,310	0	0
WGL HLDGS INC	COMMON STOCK	92924F106	170	2,400	SH		OTR		0	2,400	0
WHOLE FOODS MKT INC	COMMON STOCK	966837106	263	8,205	SH		SOLE		8,205	0	0
WHOLE FOODS MKT INC	COMMON STOCK	966837106	3	109	SH		OTR		109	0	0
WR GRACE & CO	COMMON STOCK	38388F108	439	6,000	SH		OTR		0	0	6,000
XCEL ENERGY INC	COMMON STOCK	98389B100	279	6,237	SH		SOLE		3,086	651	2,500
XCEL ENERGY INC	COMMON STOCK	98389B100	35	775	SH		OTR		775	0	0
XYLEM INC	COMMON STOCK	98419M100	311	6,962	SH		SOLE		6,962	0	0
XYLEM INC	COMMON STOCK	98419M100	125	2,800	SH		OTR		2,800	0	0
YUM! BRANDS INC	COMMON STOCK	988498101	942	11,358	SH		SOLE		11,358	0	0
YUM! BRANDS INC	COMMON STOCK	988498101	155	1,866	SH		OTR		1,791	75	0
ZIMMER BIOMET HOLDINGS INC	COMMON STOCK	98956P102	363	3,018	SH		SOLE		2,548	120	350
ZIMMER BIOMET HOLDINGS INC	COMMON STOCK	98956P102	233	1,933	SH		OTR		1,760	73	100
3M CO	COMMON STOCK	88579Y101	2,808	16,032	SH		SOLE		14,887	525	620
3M CO	COMMON STOCK	88579Y101	527	3,007	SH		OTR		2,282	50	675
BP PLC SPONS ADR	COMMON STOCK	055622104	183	5,154	SH		SOLE		5,154	0	0
BP PLC SPONS ADR	COMMON STOCK	055622104	50	1,396	SH		OTR		1,396	0	0
NOVO NORDISK AS SPONS ADR	COMMON STOCK	670100205	509	9,470	SH		SOLE		9,470	0	0
ROYAL DUTCH SHELL SPONS ADR	COMMON STOCK	780259206	14	245	SH		SOLE		245	0	0
ROYAL DUTCH SHELL SPONS ADR	COMMON STOCK	780259206	263	4,761	SH		OTR		4,511	0	250
SHIRE PLC SPONS ADR	COMMON STOCK	82481R106	188	1,023	SH		SOLE		923	0	100
SHIRE PLC SPONS ADR	COMMON STOCK	82481R106	50	274	SH		OTR		252	0	22
ACCENTURE PLC CL A	COMMON STOCK	G1151C101	211	1,865	SH		SOLE		65	0	1,800
ALLEGION PLC	COMMON STOCK	G0176J109	227	3,266	SH		OTR		3,266	0	0
EATON CORP PLC	COMMON STOCK	G29183103	354	5,929	SH		SOLE		5,929	0	0
EATON CORP PLC	COMMON STOCK	G29183103	311	5,211	SH		OTR		4,136	0	1,075
INGERSOLL-RAND PLC	COMMON STOCK	G47791101	57	900	SH		SOLE		900	0	0
INGERSOLL-RAND PLC	COMMON STOCK	G47791101	650	10,200	SH		OTR		10,200	0	0
MEDTRONIC PLC	COMMON STOCK	G5960L103	1,869	21,535	SH		SOLE		21,490	0	45
MEDTRONIC PLC	COMMON STOCK	G5960L103	783	9,025	SH		OTR		8,954	71	0
NXP SEMICONDUCTORS	COMMON STOCK	N6596X109	459	5,854	SH		SOLE		4,704	0	1,150
NXP SEMICONDUCTORS	COMMON STOCK	N6596X109	43	550	SH		OTR		550	0	0
SCHLUMBERGER LTD	COMMON STOCK	806857108	4,526	57,233	SH		SOLE		54,264	94	2,875
SCHLUMBERGER LTD	COMMON STOCK	806857108	877	11,086	SH		OTR		10,926	160	0
SUNCOR ENERGY INC	COMMON STOCK	867224107	185	6,680	SH		SOLE		5,447	0	1,233
SUNCOR ENERGY INC	COMMON STOCK	867224107	37	1,330	SH		OTR		1,330	0	0
TORONTO DOMINION BANK	COMMON STOCK	891160509	1,170	27,256	SH		SOLE		26,356	0	900
AMERICAN TOWER CORP REIT	OTHER	03027X100	172	1,515	SH		SOLE		0	0	0
AMERICAN TOWER CORP REIT	OTHER	03027X100	39	340	SH		OTR		0	0	0
ISHARES CORE S&P MID-CAP ETF	OTHER	464287507	3,589	24,023	SH		SOLE		0	0	0
ISHARES CORE S&P MID-CAP ETF	OTHER	464287507	296	1,983	SH		OTR		0	0	0
ISHARES CORE S&P 500 ETF	OTHER	464287200	241	1,144	SH		SOLE		0	0	0
ISHARES MSCI EAFE ETF	OTHER	464287465	4,172	74,739	SH		SOLE		0	0	0
ISHARES MSCI EAFE ETF	OTHER	464287465	543	9,726	SH		OTR		0	0	0
ISHARES MSCI EMERGING MKT ETF	OTHER	464287234	1,986	57,795	SH		SOLE		0	0	0
ISHARES MSCI EMERGING MKT ETF	OTHER	464287234	307	8,935	SH		OTR		0	0	0
ISHARES RUSSELL 2000 ETF	OTHER	464287655	7,516	65,366	SH		SOLE		0	0	0
ISHARES RUSSELL 2000 ETF	OTHER	464287655	409	3,561	SH		OTR		0	0	0
ISHARES S&P MIDCAP 400/GRWTH E	OTHER	464287606	42	250	SH		SOLE		0	0	0
ISHARES S&P MIDCAP 400/GRWTH E	OTHER	464287606	194	1,150	SH		OTR		0	0	0
SPDR DJIA TRUST	OTHER	78467X109	1,243	6,944	SH		SOLE		0	0	0
SPDR DJIA TRUST	OTHER	78467X109	303	1,691	SH		OTR		0	0	0
SPDR S&P DIVIDEND ETF	OTHER	78464A763	10,609	126,414	SH		SOLE		0	0	0
SPDR S&P DIVIDEND ETF	OTHER	78464A763	619	7,375	SH		OTR		0	0	0
SPDR S&P MIDCAP 400 ETF TRUST	OTHER	78467Y107	10,241	37,618	SH		SOLE		0	0	0
SPDR S&P MIDCAP 400 ETF TRUST	OTHER	78467Y107	671	2,464	SH		OTR		0	0	0
SPDR S&P 500 ETF TRUST	OTHER	78462F103	4,152	19,823	SH		SOLE		0	0	0
SPDR S&P 500 ETF TRUST	OTHER	78462F103	587	2,803	SH		OTR		0	0	0
VANGUARD FTSE EMERGING MARKETS	OTHER	922042858	1,155	32,787	SH		SOLE		0	0	0
VANGUARD FTSE EMERGING MARKETS	OTHER	922042858	217	6,170	SH		OTR		0	0	0
VANGUARD LARGE-CAP ETF	OTHER	922908637	146	1,520	SH		SOLE		0	0	0
VANGUARD LARGE-CAP ETF	OTHER	922908637	119	1,240	SH		OTR		0	0	0
VANGUARD S&P 500 ETF	OTHER	922908363	6,761	35,175	SH		SOLE		0	0	0
ISHARES BARCLAYS 1-3 YEAR CR E	OTHER	464288646	270	2,548	SH		SOLE		0	0	0
ISHARES BARCLAYS 1-3 YEAR TR E	OTHER	464287457	337	3,948	SH		SOLE		0	0	0
ISHARES BARCLAYS 1-3 YEAR TR E	OTHER	464287457	3	31	SH		OTR		0	0	0
ISHARES BARCLAYS 7-10 YEAR TR	OTHER	464287440	431	3,819	SH		SOLE		0	0	0
ISHARES CORE U.S. AGGREGATE BO	OTHER	464287226	525	4,666	SH		SOLE		0	0	0
ISHARES S&P PREF STK ETF	OTHER	464288687	3,004	75,303	SH		SOLE		0	0	0
ISHARES S&P PREF STK ETF	OTHER	464288687	453	11,366	SH		OTR		0	0	0
SPDR BARCLAYS I/T CORP BD ETF	OTHER	78464A375	1,209	34,656	SH		SOLE		0	0	0
VANGUARD INTER TERM CORP BOND	OTHER	92206C870	983	10,991	SH		SOLE		0	0	0
VANGUARD INTER TERM CORP BOND	OTHER	92206C870	237	2,650	SH		OTR		0	0	0
VANGUARD INTERMEDIATE-TERM BON	OTHER	921937819	370	4,200	SH		SOLE		0	0	0
VANGUARD INTERMEDIATE-TERM BON	OTHER	921937819	33	375	SH		OTR		0	0	0
VANGUARD TOTAL BOND MARKET ETF	OTHER	921937835	261	3,098	SH		SOLE		0	0	0