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	3,858	100,447	SH		SOLE		97,523	0	2,924
ABBOTT LABS	COMMON STOCK	002824100	697	18,157	SH		OTR		16,570	1,437	150
ABBVIE INC	COMMON STOCK	00287Y109	4,490	71,698	SH		SOLE		67,562	0	4,136
ABBVIE INC	COMMON STOCK	00287Y109	1,009	16,121	SH		OTR		14,081	1,340	700
ACTIVISION BLIZZARD, INC	COMMON STOCK	00507V109	445	12,336	SH		SOLE		12,336	0	0
ACTIVISION BLIZZARD, INC	COMMON STOCK	00507V109	272	7,530	SH		OTR		7,530	0	0
AIR PRODUCTS & CHEMICALS INC	COMMON STOCK	009158106	1,428	9,927	SH		SOLE		9,927	0	0
AIR PRODUCTS & CHEMICALS INC	COMMON STOCK	009158106	441	3,065	SH		OTR		3,065	0	0
ALLSTATE CORP	COMMON STOCK	020002101	140	1,885	SH		SOLE		1,885	0	0
ALLSTATE CORP	COMMON STOCK	020002101	261	3,522	SH		OTR		3,522	0	0
ALPHABET INC CL A	COMMON STOCK	02079K305	2,985	3,767	SH		SOLE		3,582	0	185
ALPHABET INC CL A	COMMON STOCK	02079K305	417	526	SH		OTR		526	0	0
ALPHABET INC CL C	COMMON STOCK	02079K107	3,354	4,346	SH		SOLE		4,126	0	220
ALPHABET INC CL C	COMMON STOCK	02079K107	1,091	1,414	SH		OTR		1,414	0	0
ALTRIA GROUP INC	COMMON STOCK	02209S103	1,945	28,761	SH		SOLE		27,386	0	1,375
ALTRIA GROUP INC	COMMON STOCK	02209S103	2,089	30,900	SH		OTR		28,650	200	2,050
AMAZON.COM INC	COMMON STOCK	023135106	403	538	SH		SOLE		538	0	0
AMERICAN EXPRESS CO	COMMON STOCK	025816109	1,182	15,959	SH		SOLE		13,973	0	1,986
AMERICAN EXPRESS CO	COMMON STOCK	025816109	246	3,314	SH		OTR		1,814	0	1,500
AMERICAN WATER WORKS CO INC	COMMON STOCK	030420103	1,314	18,166	SH		SOLE		17,766	0	400
AMERICAN WATER WORKS CO INC	COMMON STOCK	030420103	560	7,740	SH		OTR		5,730	0	2,010
AMGEN INC	COMMON STOCK	031162100	531	3,630	SH		SOLE		3,630	0	0
AMGEN INC	COMMON STOCK	031162100	148	1,010	SH		OTR		1,010	0	0
ANADARKO PETROLEUM CORPORATION	COMMON STOCK	032511107	214	3,075	SH		SOLE		1,575	0	1,500
ANADARKO PETROLEUM CORPORATION	COMMON STOCK	032511107	185	2,650	SH		OTR		2,350	0	300
APACHE CORP	COMMON STOCK	037411105	1,357	21,385	SH		SOLE		21,185	0	200
APACHE CORP	COMMON STOCK	037411105	668	10,530	SH		OTR		10,530	0	0
APPLE INC	COMMON STOCK	037833100	12,224	105,546	SH		SOLE		98,657	385	6,504
APPLE INC	COMMON STOCK	037833100	4,056	35,018	SH		OTR		33,463	905	650
AT&T INC	COMMON STOCK	00206R102	4,010	94,284	SH		SOLE		91,683	750	1,851
AT&T INC	COMMON STOCK	00206R102	1,971	46,338	SH		OTR		40,771	105	5,462
AUTOLIV INC	COMMON STOCK	052800109	1,297	11,461	SH		SOLE		10,711	0	750
AUTOLIV INC	COMMON STOCK	052800109	1,524	13,469	SH		OTR		13,469	0	0
AUTOMATIC DATA PROCESSING INC	COMMON STOCK	053015103	4,400	42,810	SH		SOLE		42,230	0	580
AUTOMATIC DATA PROCESSING INC	COMMON STOCK	053015103	823	8,012	SH		OTR		7,307	100	605
BANK OF AMERICA CORP	COMMON STOCK	060505104	419	18,964	SH		SOLE		17,345	0	1,619
BANK OF AMERICA CORP	COMMON STOCK	060505104	259	11,732	SH		OTR		11,475	0	257
BANK OF NEW YORK MELLON CORP	COMMON STOCK	064058100	193	4,068	SH		SOLE		4,068	0	0
BANK OF NEW YORK MELLON CORP	COMMON STOCK	064058100	455	9,598	SH		OTR		9,098	0	500
BAXTER INTL INC	COMMON STOCK	071813109	494	11,134	SH		SOLE		10,934	0	200
BAXTER INTL INC	COMMON STOCK	071813109	163	3,674	SH		OTR		2,064	0	1,610
BECTON DICKINSON	COMMON STOCK	075887109	372	2,250	SH		SOLE		2,250	0	0
BECTON DICKINSON	COMMON STOCK	075887109	199	1,200	SH		OTR		1,200	0	0
BERKSHIRE HATHAWAY INC-CL B	COMMON STOCK	084670702	4,268	26,190	SH		SOLE		25,930	60	200
BERKSHIRE HATHAWAY INC-CL B	COMMON STOCK	084670702	1,252	7,681	SH		OTR		7,511	20	150
BEST BUY COMPANY INC	COMMON STOCK	086516101	776	18,176	SH		SOLE		18,176	0	0
BEST BUY COMPANY INC	COMMON STOCK	086516101	26	617	SH		OTR		617	0	0
BHP BILLITON LTD SPONS ADR	COMMON STOCK	088606108	144	4,014	SH		SOLE		3,814	0	200
BHP BILLITON LTD SPONS ADR	COMMON STOCK	088606108	65	1,825	SH		OTR		1,825	0	0
BIOGEN INC	COMMON STOCK	09062X103	190	669	SH		SOLE		669	0	0
BIOGEN INC	COMMON STOCK	09062X103	31	110	SH		OTR		110	0	0
BLACKROCK INC CL A	COMMON STOCK	09247X101	190	500	SH		SOLE		0	0	500
BLACKROCK INC CL A	COMMON STOCK	09247X101	80	210	SH		OTR		210	0	0
BOEING CO	COMMON STOCK	097023105	2,190	14,069	SH		SOLE		12,974	0	1,095
BOEING CO	COMMON STOCK	097023105	919	5,905	SH		OTR		5,905	0	0
BRISTOL MYERS SQUIBB CO	COMMON STOCK	110122108	4,861	83,171	SH		SOLE		74,951	4,450	3,770
BRISTOL MYERS SQUIBB CO	COMMON STOCK	110122108	2,166	37,072	SH		OTR		32,541	2,381	2,150
CAPITAL ONE FINANCIAL CORP	COMMON STOCK	14040H105	204	2,341	SH		SOLE		2,341	0	0
CATERPILLAR INC	COMMON STOCK	149123101	2,420	26,096	SH		SOLE		25,830	0	266
CATERPILLAR INC	COMMON STOCK	149123101	802	8,650	SH		OTR		8,305	45	300
CELGENE CORP	COMMON STOCK	151020104	1,030	8,901	SH		SOLE		6,751	0	2,150
CELGENE CORP	COMMON STOCK	151020104	241	2,080	SH		OTR		2,080	0	0
CHEVRON CORPORATION	COMMON STOCK	166764100	8,942	75,971	SH		SOLE		71,948	1,875	2,148
CHEVRON CORPORATION	COMMON STOCK	166764100	3,967	33,706	SH		OTR		30,402	1,460	1,844
CHURCH & DWIGHT INC	COMMON STOCK	171340102	260	5,894	SH		SOLE		5,894	0	0
CISCO SYSTEMS INC	COMMON STOCK	17275R102	3,860	127,715	SH		SOLE		122,852	0	4,863
CISCO SYSTEMS INC	COMMON STOCK	17275R102	1,280	42,348	SH		OTR		41,853	495	0
CITIGROUP INC	COMMON STOCK	172967424	449	7,549	SH		SOLE		7,349	0	200
CITIGROUP INC	COMMON STOCK	172967424	167	2,807	SH		OTR		2,767	0	40
CLOROX COMPANY	COMMON STOCK	189054109	1,162	9,682	SH		SOLE		9,582	0	100
CLOROX COMPANY	COMMON STOCK	189054109	381	3,175	SH		OTR		2,690	0	485
COCA COLA CO	COMMON STOCK	191216100	2,582	62,282	SH		SOLE		55,682	1,400	5,200
COCA COLA CO	COMMON STOCK	191216100	1,360	32,805	SH		OTR		27,375	0	5,430
COGNIZANT TECHNOLOGY SOLUTIONS	COMMON STOCK	192446102	256	4,563	SH		SOLE		4,563	0	0
COLGATE PALMOLIVE CO	COMMON STOCK	194162103	2,936	44,867	SH		SOLE		39,362	1,400	4,105
COLGATE PALMOLIVE CO	COMMON STOCK	194162103	2,006	30,661	SH		OTR		28,761	0	1,900
COMCAST CORP-CL A	COMMON STOCK	20030N101	745	10,790	SH		SOLE		9,675	0	1,115
COMCAST CORP-CL A	COMMON STOCK	20030N101	167	2,412	SH		OTR		1,612	200	600
COMMUNITY BANK SYSTEM INC	COMMON STOCK	203607106	54	869	SH		SOLE		667	0	202
COMMUNITY BANK SYSTEM INC	COMMON STOCK	203607106	229	3,700	SH		OTR		300	3,400	0
CONOCOPHILLIPS	COMMON STOCK	20825C104	1,742	34,747	SH		SOLE		31,449	325	2,973
CONOCOPHILLIPS	COMMON STOCK	20825C104	142	2,828	SH		OTR		2,678	150	0
CONSUMER DISCRETIONARY SELT	COMMON STOCK	81369Y407	1,602	19,684	SH		SOLE		17,784	0	1,900
CONSUMER DISCRETIONARY SELT	COMMON STOCK	81369Y407	230	2,827	SH		OTR		2,162	530	135
CONSUMER STAPLES SELECT SECTOR	COMMON STOCK	81369Y308	913	17,657	SH		SOLE		15,974	0	1,683
CONSUMER STAPLES SELECT SECTOR	COMMON STOCK	81369Y308	114	2,207	SH		OTR		1,917	100	190
CORNING INC	COMMON STOCK	219350105	399	16,438	SH		SOLE		16,438	0	0
CORNING INC	COMMON STOCK	219350105	199	8,200	SH		OTR		7,500	700	0
COSTCO WHOLESALE CORP	COMMON STOCK	22160K105	197	1,229	SH		SOLE		1,229	0	0
COSTCO WHOLESALE CORP	COMMON STOCK	22160K105	130	815	SH		OTR		525	0	290
CSX CORP	COMMON STOCK	126408103	125	3,480	SH		SOLE		3,480	0	0
CSX CORP	COMMON STOCK	126408103	139	3,855	SH		OTR		3,855	0	0
CVS HEALTH CORP	COMMON STOCK	126650100	3,312	41,974	SH		SOLE		41,974	0	0
CVS HEALTH CORP	COMMON STOCK	126650100	1,108	14,043	SH		OTR		12,903	240	900
DANAHER CORP	COMMON STOCK	235851102	3,767	48,399	SH		SOLE		46,072	0	2,327
DANAHER CORP	COMMON STOCK	235851102	1,058	13,597	SH		OTR		11,777	230	1,590
DEERE & CO	COMMON STOCK	244199105	625	6,069	SH		SOLE		6,069	0	0
DEERE & CO	COMMON STOCK	244199105	555	5,390	SH		OTR		5,390	0	0
DISNEY WALT CO NEW	COMMON STOCK	254687106	6,005	57,621	SH		SOLE		56,475	0	1,146
DISNEY WALT CO NEW	COMMON STOCK	254687106	2,617	25,113	SH		OTR		23,683	320	1,110
DOMINION RESOURCES INC	COMMON STOCK	25746U109	2,283	29,804	SH		SOLE		28,569	300	935
DOMINION RESOURCES INC	COMMON STOCK	25746U109	839	10,958	SH		OTR		7,183	550	3,225
DOW CHEMICAL COMPANY	COMMON STOCK	260543103	622	10,875	SH		SOLE		10,875	0	0
DOW CHEMICAL COMPANY	COMMON STOCK	260543103	1,088	19,017	SH		OTR		17,617	0	1,400
DU PONT E I DE NEMOURS & CO	COMMON STOCK	263534109	3,771	51,371	SH		SOLE		49,456	0	1,915
DU PONT E I DE NEMOURS & CO	COMMON STOCK	263534109	1,972	26,871	SH		OTR		22,525	111	4,235
DUKE ENERGY CORP	COMMON STOCK	26441C204	249	3,214	SH		SOLE		2,582	566	66
DUKE ENERGY CORP	COMMON STOCK	26441C204	227	2,919	SH		OTR		2,167	500	252
ECOLAB INC	COMMON STOCK	278865100	1,884	16,072	SH		SOLE		15,772	0	300
ECOLAB INC	COMMON STOCK	278865100	224	1,915	SH		OTR		1,465	0	450
EMERSON ELEC CO	COMMON STOCK	291011104	1,034	18,543	SH		SOLE		17,543	800	200
EMERSON ELEC CO	COMMON STOCK	291011104	288	5,165	SH		OTR		5,165	0	0
ENERGY SELECT SECTOR SPDR	COMMON STOCK	81369Y506	1,006	13,362	SH		SOLE		12,640	0	722
ENERGY SELECT SECTOR SPDR	COMMON STOCK	81369Y506	85	1,133	SH		OTR		900	80	153
ENTERPRISE PRODS PARTNERS LP	COMMON STOCK	293792107	453	16,745	SH		SOLE		11,745	0	5,000
ENTERPRISE PRODS PARTNERS LP	COMMON STOCK	293792107	105	3,880	SH		OTR		3,880	0	0
EXELON CORP	COMMON STOCK	30161N101	199	5,607	SH		SOLE		5,607	0	0
EXELON CORP	COMMON STOCK	30161N101	132	3,709	SH		OTR		2,859	0	850
EXPEDITORS INTL WASH INC	COMMON STOCK	302130109	168	3,180	SH		SOLE		2,980	0	200
EXPEDITORS INTL WASH INC	COMMON STOCK	302130109	60	1,140	SH		OTR		1,140	0	0
EXPRESS SCRIPTS HLDG	COMMON STOCK	30219G108	1,197	17,406	SH		SOLE		16,692	150	564
EXPRESS SCRIPTS HLDG	COMMON STOCK	30219G108	366	5,316	SH		OTR		5,161	0	155
EXXONMOBIL CORP	COMMON STOCK	30231G102	14,480	160,423	SH		SOLE		154,793	1,250	4,380
EXXONMOBIL CORP	COMMON STOCK	30231G102	6,890	76,330	SH		OTR		73,083	597	2,650
FACEBOOK INC-A	COMMON STOCK	30303M102	388	3,371	SH		SOLE		3,336	0	35
FACEBOOK INC-A	COMMON STOCK	30303M102	69	600	SH		OTR		600	0	0
FEDEX CORPORATION	COMMON STOCK	31428X106	316	1,697	SH		SOLE		1,697	0	0
FINANCIAL SELECT SECTOR SPDR	COMMON STOCK	81369Y605	1,108	47,662	SH		SOLE		46,162	0	1,500
FINANCIAL SELECT SECTOR SPDR	COMMON STOCK	81369Y605	100	4,301	SH		OTR		3,853	448	0
FISERV INC	COMMON STOCK	337738108	2,641	24,849	SH		SOLE		24,614	0	235
FISERV INC	COMMON STOCK	337738108	60	566	SH		OTR		566	0	0
FORTIVE CORP	COMMON STOCK	34959J108	1,027	19,141	SH		SOLE		18,131	0	1,010
FORTIVE CORP	COMMON STOCK	34959J108	111	2,072	SH		OTR		1,163	115	794
FORTUNE BRANDS INC	COMMON STOCK	34964C106	222	4,144	SH		OTR		4,144	0	0
GENERAL DYNAMICS CORP	COMMON STOCK	369550108	403	2,334	SH		SOLE		2,259	0	75
GENERAL DYNAMICS CORP	COMMON STOCK	369550108	276	1,600	SH		OTR		1,600	0	0
GENERAL ELECTRIC CORP	COMMON STOCK	369604103	9,617	304,343	SH		SOLE		289,970	1,800	12,573
GENERAL ELECTRIC CORP	COMMON STOCK	369604103	3,865	122,306	SH		OTR		108,288	5,143	8,875
GENERAL MLS INC	COMMON STOCK	370334104	1,963	31,781	SH		SOLE		30,881	0	900
GENERAL MLS INC	COMMON STOCK	370334104	861	13,932	SH		OTR		11,887	500	1,545
GILEAD SCIENCES INC	COMMON STOCK	375558103	893	12,467	SH		SOLE		9,967	0	2,500
GILEAD SCIENCES INC	COMMON STOCK	375558103	80	1,120	SH		OTR		1,120	0	0
GLAXO SMITHKLINE SPONS ADR	COMMON STOCK	37733W105	697	18,089	SH		SOLE		17,769	0	320
GLAXO SMITHKLINE SPONS ADR	COMMON STOCK	37733W105	307	7,974	SH		OTR		6,969	255	750
GOLDMAN SACHS GROUP INC	COMMON STOCK	38141G104	1,269	5,298	SH		SOLE		5,258	40	0
GOLDMAN SACHS GROUP INC	COMMON STOCK	38141G104	874	3,651	SH		OTR		3,641	10	0
GRAINGER W W INC	COMMON STOCK	384802104	1,571	6,764	SH		SOLE		6,664	0	100
GRAINGER W W INC	COMMON STOCK	384802104	507	2,185	SH		OTR		1,315	0	870
HEALTH CARE SELECT SECTOR SPDR	COMMON STOCK	81369Y209	958	13,893	SH		SOLE		12,915	0	978
HEALTH CARE SELECT SECTOR SPDR	COMMON STOCK	81369Y209	178	2,576	SH		OTR		2,576	0	0
HOME DEPOT INC	COMMON STOCK	437076102	904	6,744	SH		SOLE		5,369	0	1,375
HOME DEPOT INC	COMMON STOCK	437076102	768	5,730	SH		OTR		5,530	0	200
HONEYWELL INTERNATIONAL INC	COMMON STOCK	438516106	2,948	25,445	SH		SOLE		23,414	0	2,031
HONEYWELL INTERNATIONAL INC	COMMON STOCK	438516106	841	7,260	SH		OTR		3,687	2,565	1,008
ILLINOIS TOOL WKS INC	COMMON STOCK	452308109	1,171	9,561	SH		SOLE		9,561	0	0
ILLINOIS TOOL WKS INC	COMMON STOCK	452308109	92	752	SH		OTR		752	0	0
INDUSTRIAL SELECT SECTOR SPDR	COMMON STOCK	81369Y704	1,334	21,447	SH		SOLE		20,968	0	479
INDUSTRIAL SELECT SECTOR SPDR	COMMON STOCK	81369Y704	111	1,784	SH		OTR		1,684	0	100
INTEL CORP	COMMON STOCK	458140100	7,282	200,778	SH		SOLE		192,853	2,800	5,125
INTEL CORP	COMMON STOCK	458140100	1,553	42,823	SH		OTR		38,663	2,460	1,700
INTL. BUSINESS MACHINES CORP	COMMON STOCK	459200101	5,837	35,165	SH		SOLE		31,546	625	2,994
INTL. BUSINESS MACHINES CORP	COMMON STOCK	459200101	3,383	20,382	SH		OTR		18,952	20	1,410
ISHARES DJ US TELCOM SECTOR ET	COMMON STOCK	464287713	739	21,408	SH		SOLE		21,408	0	0
ISHARES DJ US TELCOM SECTOR ET	COMMON STOCK	464287713	403	11,693	SH		OTR		11,493	200	0
ISHARES NASDAQ BIOTECH ETF	COMMON STOCK	464287556	6,129	23,096	SH		SOLE		22,219	65	812
ISHARES NASDAQ BIOTECH ETF	COMMON STOCK	464287556	1,328	5,005	SH		OTR		4,835	120	50
JM SMUCKER CO	COMMON STOCK	832696405	101	786	SH		SOLE		693	0	93
JM SMUCKER CO	COMMON STOCK	832696405	259	2,026	SH		OTR		1,426	600	0
JOHNSON & JOHNSON	COMMON STOCK	478160104	13,534	117,470	SH		SOLE		108,946	737	7,787
JOHNSON & JOHNSON	COMMON STOCK	478160104	4,334	37,618	SH		OTR		33,113	1,320	3,185
JP MORGAN CHASE & CO	COMMON STOCK	46625H100	10,868	125,944	SH		SOLE		119,729	225	5,990
JP MORGAN CHASE & CO	COMMON STOCK	46625H100	4,509	52,250	SH		OTR		46,450	3,540	2,260
KBW BANK ETF	COMMON STOCK	78464A797	299	6,873	SH		SOLE		6,373	0	500
KBW BANK ETF	COMMON STOCK	78464A797	53	1,228	SH		OTR		1,128	0	100
KBW REGIONAL BANKING ETF	COMMON STOCK	78464A698	3,639	65,482	SH		SOLE		65,112	0	370
KBW REGIONAL BANKING ETF	COMMON STOCK	78464A698	1,201	21,606	SH		OTR		21,406	100	100
KEYCORP	COMMON STOCK	493267108	25	1,360	SH		SOLE		1,360	0	0
KEYCORP	COMMON STOCK	493267108	230	12,602	SH		OTR		12,602	0	0
KIMBERLY CLARK CORP	COMMON STOCK	494368103	541	4,740	SH		SOLE		4,690	0	50
KIMBERLY CLARK CORP	COMMON STOCK	494368103	163	1,428	SH		OTR		1,373	55	0
KOHLS CORP	COMMON STOCK	500255104	182	3,695	SH		SOLE		3,695	0	0
KOHLS CORP	COMMON STOCK	500255104	49	1,000	SH		OTR		1,000	0	0
KRAFT HEINZ CO	COMMON STOCK	500754106	508	5,821	SH		SOLE		5,732	0	89
KRAFT HEINZ CO	COMMON STOCK	500754106	429	4,911	SH		OTR		4,555	46	310
LILLY ELI & CO	COMMON STOCK	532457108	353	4,804	SH		SOLE		4,276	0	528
LILLY ELI & CO	COMMON STOCK	532457108	515	7,008	SH		OTR		5,983	0	1,025
LOCKHEED MARTIN CORP	COMMON STOCK	539830109	3,333	13,337	SH		SOLE		12,622	0	715
LOCKHEED MARTIN CORP	COMMON STOCK	539830109	665	2,662	SH		OTR		2,650	12	0
LOWES COS INC	COMMON STOCK	548661107	6,843	96,221	SH		SOLE		95,426	0	795
LOWES COS INC	COMMON STOCK	548661107	1,994	28,040	SH		OTR		27,105	235	700
M & T BANK CORP	COMMON STOCK	55261F104	78	500	SH		SOLE		500	0	0
M & T BANK CORP	COMMON STOCK	55261F104	477	3,050	SH		OTR		950	2,100	0
MAGELLAN MIDSTREAM PARTNERS LP	COMMON STOCK	559080106	272	3,600	SH		SOLE		0	0	3,600
MARRIOTT INTERNATIONAL INC	COMMON STOCK	571903202	220	2,664	SH		SOLE		2,664	0	0
MARRIOTT INTERNATIONAL INC	COMMON STOCK	571903202	33	405	SH		OTR		405	0	0
MATERIALS SELECT SPDR FUND	COMMON STOCK	81369Y100	1,385	27,875	SH		SOLE		25,337	0	2,538
MATERIALS SELECT SPDR FUND	COMMON STOCK	81369Y100	169	3,407	SH		OTR		2,677	525	205
MCDONALDS CORP	COMMON STOCK	580135101	7,915	65,025	SH		SOLE		63,137	900	988
MCDONALDS CORP	COMMON STOCK	580135101	2,420	19,878	SH		OTR		18,578	500	800
MERCK & CO INC	COMMON STOCK	58933Y105	3,218	54,665	SH		SOLE		52,439	850	1,376
MERCK & CO INC	COMMON STOCK	58933Y105	1,365	23,179	SH		OTR		21,168	86	1,925
METLIFE INC	COMMON STOCK	59156R108	698	12,959	SH		SOLE		12,959	0	0
METLIFE INC	COMMON STOCK	59156R108	114	2,114	SH		OTR		1,614	500	0
MICROCHIP TECHNOLOGY INC	COMMON STOCK	595017104	2,017	31,443	SH		SOLE		30,943	0	500
MICROCHIP TECHNOLOGY INC	COMMON STOCK	595017104	462	7,200	SH		OTR		5,775	800	625
MICROSOFT CORP	COMMON STOCK	594918104	10,481	168,674	SH		SOLE		163,456	450	4,768
MICROSOFT CORP	COMMON STOCK	594918104	3,694	59,444	SH		OTR		51,542	4,802	3,100
MONDELEZ INTERNATIONAL INC	COMMON STOCK	609207105	978	22,052	SH		SOLE		21,369	0	683
MONDELEZ INTERNATIONAL INC	COMMON STOCK	609207105	550	12,418	SH		OTR		11,347	138	933
MONSANTO CO	COMMON STOCK	61166W101	1,224	11,630	SH		SOLE		10,815	0	815
MONSANTO CO	COMMON STOCK	61166W101	275	2,616	SH		OTR		2,546	70	0
NBT BANCORP INC	COMMON STOCK	628778102	7,614	181,799	SH		SOLE		93,448	0	88,351
NBT BANCORP INC	COMMON STOCK	628778102	2,738	65,382	SH		OTR		62,982	0	2,400
NEXTERA ENERGY INC	COMMON STOCK	65339F101	2,648	22,163	SH		SOLE		19,723	0	2,440
NEXTERA ENERGY INC	COMMON STOCK	65339F101	1,017	8,513	SH		OTR		6,123	750	1,640
NIKE INC-CLASS B	COMMON STOCK	654106103	2,183	42,952	SH		SOLE		42,552	0	400
NIKE INC-CLASS B	COMMON STOCK	654106103	489	9,620	SH		OTR		5,620	0	4,000
NORFOLK SOUTHERN CORP	COMMON STOCK	655844108	1,092	10,107	SH		SOLE		8,707	0	1,400
NORFOLK SOUTHERN CORP	COMMON STOCK	655844108	669	6,194	SH		OTR		4,994	0	1,200
NOVARTIS AG SPONS ADR	COMMON STOCK	66987V109	2,267	31,117	SH		SOLE		30,675	0	442
NOVARTIS AG SPONS ADR	COMMON STOCK	66987V109	857	11,769	SH		OTR		10,334	150	1,285
NUCOR CORP	COMMON STOCK	670346105	856	14,386	SH		SOLE		14,386	0	0
NUCOR CORP	COMMON STOCK	670346105	248	4,169	SH		OTR		3,169	0	1,000
ORACLE CORPORATION	COMMON STOCK	68389X105	2,245	58,395	SH		SOLE		56,211	0	2,184
ORACLE CORPORATION	COMMON STOCK	68389X105	1,266	32,924	SH		OTR		32,669	255	0
PEPSICO INC	COMMON STOCK	713448108	9,636	92,098	SH		SOLE		90,933	300	865
PEPSICO INC	COMMON STOCK	713448108	2,448	23,392	SH		OTR		20,512	1,470	1,410
PFIZER INC	COMMON STOCK	717081103	5,027	154,783	SH		SOLE		152,279	0	2,504
PFIZER INC	COMMON STOCK	717081103	2,455	75,586	SH		OTR		70,767	1,930	2,889
PG & E CORP	COMMON STOCK	69331C108	51	846	SH		SOLE		846	0	0
PG & E CORP	COMMON STOCK	69331C108	186	3,055	SH		OTR		3,055	0	0
PHILIP MORRIS INTERNATIONAL	COMMON STOCK	718172109	2,045	22,351	SH		SOLE		21,476	0	875
PHILIP MORRIS INTERNATIONAL	COMMON STOCK	718172109	2,367	25,875	SH		OTR		24,375	150	1,350
PRAXAIR INC	COMMON STOCK	74005P104	1,677	14,308	SH		SOLE		14,058	0	250
PRAXAIR INC	COMMON STOCK	74005P104	490	4,180	SH		OTR		3,055	0	1,125
PROCTER & GAMBLE CO	COMMON STOCK	742718109	11,044	131,354	SH		SOLE		124,057	944	6,353
PROCTER & GAMBLE CO	COMMON STOCK	742718109	4,109	48,872	SH		OTR		42,787	2,315	3,770
PRUDENTIAL FINL INC	COMMON STOCK	744320102	2,798	26,892	SH		SOLE		26,612	100	180
PRUDENTIAL FINL INC	COMMON STOCK	744320102	1,226	11,777	SH		OTR		11,427	150	200
PUBLIC SERVICE ENTERPRISE GROU	COMMON STOCK	744573106	166	3,782	SH		SOLE		3,382	400	0
PUBLIC SERVICE ENTERPRISE GROU	COMMON STOCK	744573106	133	3,025	SH		OTR		3,025	0	0
QUALCOMM INC	COMMON STOCK	747525103	3,675	56,360	SH		SOLE		55,286	225	849
QUALCOMM INC	COMMON STOCK	747525103	1,049	16,095	SH		OTR		14,850	645	600
REAL ESTATE SELECT SECT SPDR	COMMON STOCK	81369Y860	564	18,356	SH		SOLE		17,939	210	207
REAL ESTATE SELECT SECT SPDR	COMMON STOCK	81369Y860	539	17,539	SH		OTR		17,479	60	0
ROCKWELL AUTOMATION INC	COMMON STOCK	773903109	259	1,925	SH		SOLE		1,725	0	200
ROCKWELL AUTOMATION INC	COMMON STOCK	773903109	6	45	SH		OTR		45	0	0
S&P GLOBAL INC	COMMON STOCK	78409V104	215	2,000	SH		SOLE		0	0	2,000
SOUTHERN COMPANY	COMMON STOCK	842587107	1,410	28,655	SH		SOLE		28,255	200	200
SOUTHERN COMPANY	COMMON STOCK	842587107	853	17,344	SH		OTR		15,644	1,500	200
SPECTRA ENERGY CORP	COMMON STOCK	847560109	534	13,003	SH		SOLE		12,570	300	133
SPECTRA ENERGY CORP	COMMON STOCK	847560109	36	867	SH		OTR		867	0	0
ST JUDE MEDICAL INC	COMMON STOCK	790849103	307	3,826	SH		SOLE		3,826	0	0
ST JUDE MEDICAL INC	COMMON STOCK	790849103	25	315	SH		OTR		315	0	0
STARBUCKS CORP	COMMON STOCK	855244109	22	394	SH		SOLE		394	0	0
STARBUCKS CORP	COMMON STOCK	855244109	189	3,400	SH		OTR		3,400	0	0
STATE STREET CORP	COMMON STOCK	857477103	540	6,944	SH		SOLE		6,769	0	175
STATE STREET CORP	COMMON STOCK	857477103	30	385	SH		OTR		385	0	0
STRYKER CORPORATION	COMMON STOCK	863667101	641	5,347	SH		SOLE		5,347	0	0
STRYKER CORPORATION	COMMON STOCK	863667101	24	200	SH		OTR		200	0	0
SYSCO CORP	COMMON STOCK	871829107	482	8,705	SH		SOLE		8,705	0	0
SYSCO CORP	COMMON STOCK	871829107	432	7,809	SH		OTR		7,184	0	625
T ROWE PRICE GROUP INC	COMMON STOCK	74144T108	4,523	60,104	SH		SOLE		59,419	100	585
T ROWE PRICE GROUP INC	COMMON STOCK	74144T108	1,172	15,568	SH		OTR		14,973	295	300
TARGET CORP	COMMON STOCK	87612E106	4,313	59,714	SH		SOLE		56,088	125	3,501
TARGET CORP	COMMON STOCK	87612E106	1,023	14,166	SH		OTR		13,068	373	725
TECHNOLOGY SELECT SECT SPDR	COMMON STOCK	81369Y803	1,931	39,938	SH		SOLE		39,013	325	600
TECHNOLOGY SELECT SECT SPDR	COMMON STOCK	81369Y803	191	3,959	SH		OTR		3,259	700	0
TEXTRON INC	COMMON STOCK	883203101	944	19,440	SH		SOLE		19,440	0	0
THE MOSAIC COMPANY	COMMON STOCK	61945C103	219	7,458	SH		SOLE		7,458	0	0
THE MOSAIC COMPANY	COMMON STOCK	61945C103	309	10,534	SH		OTR		10,449	85	0
THERMO FISHER SCIENTIFIC INC	COMMON STOCK	883556102	212	1,500	SH		SOLE		0	0	1,500
TJX COS INC	COMMON STOCK	872540109	1,938	25,798	SH		SOLE		22,655	300	2,843
TJX COS INC	COMMON STOCK	872540109	959	12,765	SH		OTR		12,595	170	0
TOYOTA MOTOR CORP SPONS ADR	COMMON STOCK	892331307	289	2,465	SH		SOLE		2,465	0	0
TOYOTA MOTOR CORP SPONS ADR	COMMON STOCK	892331307	14	118	SH		OTR		118	0	0
TWENTY-FIRST CENTURY FOX INC C	COMMON STOCK	90130A101	189	6,742	SH		SOLE		6,742	0	0
TWENTY-FIRST CENTURY FOX INC C	COMMON STOCK	90130A101	11	391	SH		OTR		391	0	0
UNION PAC CORP	COMMON STOCK	907818108	4,677	45,114	SH		SOLE		43,733	0	1,381
UNION PAC CORP	COMMON STOCK	907818108	1,765	17,020	SH		OTR		14,800	0	2,220
UNITED PARCEL SERVICE CL B	COMMON STOCK	911312106	787	6,866	SH		SOLE		5,866	0	1,000
UNITED PARCEL SERVICE CL B	COMMON STOCK	911312106	220	1,920	SH		OTR		1,920	0	0
UNITED TECHNOLOGIES CORP	COMMON STOCK	913017109	6,852	62,504	SH		SOLE		59,257	300	2,947
UNITED TECHNOLOGIES CORP	COMMON STOCK	913017109	2,351	21,445	SH		OTR		18,905	1,940	600
UNITEDHEALTH GROUP INC	COMMON STOCK	91324P102	3,166	19,784	SH		SOLE		18,593	0	1,191
UNITEDHEALTH GROUP INC	COMMON STOCK	91324P102	1,047	6,540	SH		OTR		6,265	150	125
UNIVEST CORP OF PENNSYLVANIA	COMMON STOCK	915271100	365	11,812	SH		OTR		11,812	0	0
US BANCORP NEW	COMMON STOCK	902973304	2,758	53,685	SH		SOLE		50,569	0	3,116
US BANCORP NEW	COMMON STOCK	902973304	312	6,076	SH		OTR		5,031	1,045	0
UTILITIES SELECT SECTOR SPDR	COMMON STOCK	81369Y886	2,270	46,743	SH		SOLE		44,376	0	2,367
UTILITIES SELECT SECTOR SPDR	COMMON STOCK	81369Y886	850	17,501	SH		OTR		16,631	525	345
V.F. CORP	COMMON STOCK	918204108	204	3,827	SH		SOLE		3,827	0	0
VANECK VECTORS AGRIBUSINESS ET	COMMON STOCK	92189F700	1,390	27,083	SH		SOLE		25,880	100	1,103
VANECK VECTORS AGRIBUSINESS ET	COMMON STOCK	92189F700	585	11,396	SH		OTR		11,171	125	100
VANGUARD REIT ETF	COMMON STOCK	922908553	1,634	19,801	SH		SOLE		19,801	0	0
VANGUARD REIT ETF	COMMON STOCK	922908553	347	4,210	SH		OTR		3,221	989	0
VERIZON COMMUNICATIONS	COMMON STOCK	92343V104	4,583	85,850	SH		SOLE		78,638	2,609	4,603
VERIZON COMMUNICATIONS	COMMON STOCK	92343V104	2,688	50,352	SH		OTR		42,877	4,430	3,045
VISA INC CL A	COMMON STOCK	92826C839	211	2,702	SH		SOLE		1,602	0	1,100
WAL MART STORES INC	COMMON STOCK	931142103	1,495	21,632	SH		SOLE		21,166	0	466
WAL MART STORES INC	COMMON STOCK	931142103	792	11,458	SH		OTR		10,908	150	400
WALGREENS BOOTS ALLIANCE INC	COMMON STOCK	931427108	1,974	23,847	SH		SOLE		23,551	0	296
WALGREENS BOOTS ALLIANCE INC	COMMON STOCK	931427108	112	1,359	SH		OTR		953	102	304
WELLS FARGO & CO	COMMON STOCK	949746101	6,230	113,038	SH		SOLE		108,780	0	4,258
WELLS FARGO & CO	COMMON STOCK	949746101	2,604	47,244	SH		OTR		40,220	2,605	4,419
WGL HLDGS INC	COMMON STOCK	92924F106	202	2,650	SH		SOLE		2,650	0	0
WGL HLDGS INC	COMMON STOCK	92924F106	183	2,400	SH		OTR		0	2,400	0
WR GRACE & CO	COMMON STOCK	38388F108	406	6,000	SH		OTR		0	0	6,000
XCEL ENERGY INC	COMMON STOCK	98389B100	254	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	319	6,439	SH		SOLE		6,439	0	0
XYLEM INC	COMMON STOCK	98419M100	139	2,800	SH		OTR		2,800	0	0
YUM CHINA HOLDINGS INC	COMMON STOCK	98850P109	278	10,653	SH		SOLE		10,653	0	0
YUM CHINA HOLDINGS INC	COMMON STOCK	98850P109	40	1,528	SH		OTR		1,528	0	0
YUM! BRANDS INC	COMMON STOCK	988498101	722	11,403	SH		SOLE		11,403	0	0
YUM! BRANDS INC	COMMON STOCK	988498101	118	1,866	SH		OTR		1,791	75	0
ZIMMER BIOMET HOLDINGS INC	COMMON STOCK	98956P102	293	2,837	SH		SOLE		2,367	120	350
ZIMMER BIOMET HOLDINGS INC	COMMON STOCK	98956P102	223	2,165	SH		OTR		1,992	73	100
3M CO	COMMON STOCK	88579Y101	2,739	15,338	SH		SOLE		14,193	525	620
3M CO	COMMON STOCK	88579Y101	535	2,997	SH		OTR		2,272	50	675
BP PLC SPONS ADR	COMMON STOCK	055622104	249	6,654	SH		SOLE		6,654	0	0
BP PLC SPONS ADR	COMMON STOCK	055622104	52	1,396	SH		OTR		1,396	0	0
NOVO NORDISK AS SPONS ADR	COMMON STOCK	670100205	312	8,710	SH		SOLE		8,710	0	0
ROYAL DUTCH SHELL SPONS ADR	COMMON STOCK	780259206	27	495	SH		SOLE		495	0	0
ROYAL DUTCH SHELL SPONS ADR	COMMON STOCK	780259206	259	4,761	SH		OTR		4,511	0	250
ACCENTURE PLC CL A	COMMON STOCK	G1151C101	217	1,853	SH		SOLE		53	0	1,800
ALLEGION PLC	COMMON STOCK	G0176J109	209	3,266	SH		OTR		3,266	0	0
EATON CORP PLC	COMMON STOCK	G29183103	476	7,099	SH		SOLE		7,099	0	0
EATON CORP PLC	COMMON STOCK	G29183103	336	5,010	SH		OTR		3,935	0	1,075
INGERSOLL-RAND PLC	COMMON STOCK	G47791101	60	800	SH		SOLE		800	0	0
INGERSOLL-RAND PLC	COMMON STOCK	G47791101	765	10,200	SH		OTR		10,200	0	0
MEDTRONIC PLC	COMMON STOCK	G5960L103	1,476	20,723	SH		SOLE		20,678	0	45
MEDTRONIC PLC	COMMON STOCK	G5960L103	650	9,120	SH		OTR		9,049	71	0
NXP SEMICONDUCTORS	COMMON STOCK	N6596X109	605	6,172	SH		SOLE		5,022	0	1,150
NXP SEMICONDUCTORS	COMMON STOCK	N6596X109	54	550	SH		OTR		550	0	0
SCHLUMBERGER LTD	COMMON STOCK	806857108	4,608	54,884	SH		SOLE		52,081	0	2,803
SCHLUMBERGER LTD	COMMON STOCK	806857108	897	10,687	SH		OTR		10,527	160	0
SUNCOR ENERGY INC	COMMON STOCK	867224107	248	7,582	SH		SOLE		6,342	0	1,240
SUNCOR ENERGY INC	COMMON STOCK	867224107	43	1,330	SH		OTR		1,330	0	0
TORONTO DOMINION BANK	COMMON STOCK	891160509	1,273	25,806	SH		SOLE		24,906	0	900
ISHARES CORE S&P MID-CAP ETF	OTHER	464287507	3,975	24,041	SH		SOLE		0	0	0
ISHARES CORE S&P MID-CAP ETF	OTHER	464287507	308	1,861	SH		OTR		0	0	0
ISHARES CORE S&P 500 ETF	OTHER	464287200	252	1,118	SH		SOLE		0	0	0
ISHARES MSCI EAFE ETF	OTHER	464287465	4,604	79,751	SH		SOLE		0	0	0
ISHARES MSCI EAFE ETF	OTHER	464287465	498	8,629	SH		OTR		0	0	0
ISHARES MSCI EMERGING MKT ETF	OTHER	464287234	3,553	101,472	SH		SOLE		0	0	0
ISHARES MSCI EMERGING MKT ETF	OTHER	464287234	328	9,377	SH		OTR		0	0	0
ISHARES RUSSELL 2000 ETF	OTHER	464287655	8,352	61,938	SH		SOLE		0	0	0
ISHARES RUSSELL 2000 ETF	OTHER	464287655	471	3,491	SH		OTR		0	0	0
ISHARES S&P MIDCAP 400/GRWTH E	OTHER	464287606	46	250	SH		SOLE		0	0	0
ISHARES S&P MIDCAP 400/GRWTH E	OTHER	464287606	210	1,150	SH		OTR		0	0	0
ISHARES S&P SMALLCAP/600 GROWT	OTHER	464287887	30	200	SH		SOLE		0	0	0
ISHARES S&P SMALLCAP/600 GROWT	OTHER	464287887	173	1,150	SH		OTR		0	0	0
SPDR DJIA TRUST	OTHER	78467X109	1,361	6,893	SH		SOLE		0	0	0
SPDR DJIA TRUST	OTHER	78467X109	309	1,565	SH		OTR		0	0	0
SPDR S&P DIVIDEND ETF	OTHER	78464A763	10,708	125,154	SH		SOLE		0	0	0
SPDR S&P DIVIDEND ETF	OTHER	78464A763	631	7,375	SH		OTR		0	0	0
SPDR S&P MIDCAP 400 ETF TRUST	OTHER	78467Y107	10,297	34,126	SH		SOLE		0	0	0
SPDR S&P MIDCAP 400 ETF TRUST	OTHER	78467Y107	743	2,464	SH		OTR		0	0	0
SPDR S&P 500 ETF TRUST	OTHER	78462F103	4,256	19,041	SH		SOLE		0	0	0
SPDR S&P 500 ETF TRUST	OTHER	78462F103	595	2,663	SH		OTR		0	0	0
VANGUARD FTSE EMERGING MARKETS	OTHER	922042858	1,025	28,637	SH		SOLE		0	0	0
VANGUARD FTSE EMERGING MARKETS	OTHER	922042858	184	5,150	SH		OTR		0	0	0
VANGUARD S&P 500 ETF	OTHER	922908363	7,263	35,378	SH		SOLE		0	0	0
ISHARES BARCLAYS TIPS BOND ETF	OTHER	464287176	212	1,877	SH		SOLE		0	0	0
ISHARES BARCLAYS TIPS BOND ETF	OTHER	464287176	2	20	SH		OTR		0	0	0
ISHARES BARCLAYS 1-3 YEAR CR E	OTHER	464288646	257	2,453	SH		SOLE		0	0	0
ISHARES BARCLAYS 1-3 YEAR TR E	OTHER	464287457	529	6,266	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	381	3,631	SH		SOLE		0	0	0
ISHARES CORE U.S. AGGREGATE BO	OTHER	464287226	367	3,395	SH		SOLE		0	0	0
ISHARES S&P PREF STK ETF	OTHER	464288687	2,895	77,799	SH		SOLE		0	0	0
ISHARES S&P PREF STK ETF	OTHER	464288687	467	12,544	SH		OTR		0	0	0
SPDR BLOOMBERG BARCLAYS I/T CO	OTHER	78464A375	699	20,605	SH		SOLE		0	0	0
VANGUARD INTER TERM CORP BOND	OTHER	92206C870	923	10,766	SH		SOLE		0	0	0
VANGUARD INTER TERM CORP BOND	OTHER	92206C870	227	2,650	SH		OTR		0	0	0
VANGUARD INTERMEDIATE-TERM BON	OTHER	921937819	349	4,200	SH		SOLE		0	0	0
VANGUARD INTERMEDIATE-TERM BON	OTHER	921937819	31	375	SH		OTR		0	0	0
VANGUARD TOTAL BOND MARKET ETF	OTHER	921937835	675	8,358	SH		SOLE		0	0	0