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
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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
AT&T Inc	Com	00206R102	844	55,004	SH		SOLE	0	52,408	435	2,161
AT&T Inc	Com	00206R102	739	48,149	SH		OTR	0	42,837	400	4,912
Abbott Labs	Com	002824100	4,644	47,992	SH		SOLE	0	47,392	0	600
Abbott Labs	Com	002824100	1,842	19,034	SH		OTR	0	17,448	576	1,010
Abbvie Inc	Com	00287Y109	2,815	20,974	SH		SOLE	0	20,674	0	300
Abbvie Inc	Com	00287Y109	2,090	15,576	SH		OTR	0	14,051	295	1,230
Activision Blizzard, Inc	Com	00507V109	686	9,225	SH		SOLE	0	9,225	0	0
Activision Blizzard, Inc	Com	00507V109	517	6,950	SH		OTR	0	6,950	0	0
Air Products & Chemicals Inc	Com	009158106	1,294	5,559	SH		SOLE	0	5,559	0	0
Air Products & Chemicals Inc	Com	009158106	406	1,745	SH		OTR	0	1,745	0	0
Allstate Corp	Com	020002101	81	649	SH		SOLE	0	649	0	0
Allstate Corp	Com	020002101	249	2,000	SH		OTR	0	2,000	0	0
Alphabet Inc Cl C	Com	02079K107	4,085	42,483	SH		SOLE	0	40,420	0	2,063
Alphabet Inc Cl C	Com	02079K107	3,590	37,334	SH		OTR	0	34,735	0	2,599
Alphabet Inc Cl A	Com	02079K305	2,747	28,723	SH		SOLE	0	28,063	0	660
Alphabet Inc Cl A	Com	02079K305	619	6,472	SH		OTR	0	4,173	0	2,299
Altria Group Inc	Com	02209S103	511	12,654	SH		SOLE	0	11,879	0	775
Altria Group Inc	Com	02209S103	1,305	32,317	SH		OTR	0	31,617	0	700
Amazon.Com Inc	Com	023135106	1,473	13,034	SH		SOLE	0	13,034	0	0
Amazon.Com Inc	Com	023135106	769	6,808	SH		OTR	0	5,408	0	1,400
American Express CO	Com	025816109	580	4,301	SH		SOLE	0	4,301	0	0
American Express CO	Com	025816109	155	1,147	SH		OTR	0	861	0	286
American Tower Corp REIT	Com	03027X100	198	924	SH		SOLE	0	924	0	0
American Tower Corp REIT	Com	03027X100	101	469	SH		OTR	0	469	0	0
American Water Works CO Inc	Com	030420103	1,220	9,375	SH		SOLE	0	9,375	0	0
American Water Works CO Inc	Com	030420103	962	7,390	SH		OTR	0	5,860	100	1,430
Amgen Inc	Com	031162100	566	2,511	SH		SOLE	0	2,511	0	0
Amgen Inc	Com	031162100	247	1,095	SH		OTR	0	1,095	0	0
Amplify CWP Enhanced Dividend	Com	032108409	296	9,246	SH		SOLE	0	9,246	0	0
Amplify CWP Enhanced Dividend	Com	032108409	160	5,000	SH		OTR	0	5,000	0	0
APA Corporation	Com	03743Q108	314	9,186	SH		SOLE	0	9,186	0	0
APA Corporation	Com	03743Q108	43	1,250	SH		OTR	0	1,250	0	0
Apple Inc	Com	037833100	19,199	138,922	SH		SOLE	0	125,766	315	12,841
Apple Inc	Com	037833100	12,066	87,305	SH		OTR	0	79,492	2,395	5,418
Arrow Finl Corp	Com	042744102	232	8,034	SH		SOLE	0	1,902	0	6,132
Arrow Finl Corp	Com	042744102	153	5,304	SH		OTR	0	5,304	0	0
Autoliv Inc	Com	052800109	628	9,430	SH		SOLE	0	8,386	0	1,044
Autoliv Inc	Com	052800109	716	10,746	SH		OTR	0	10,746	0	0
Automatic Data Processing Inc	Com	053015103	4,383	19,376	SH		SOLE	0	19,096	0	280
Automatic Data Processing Inc	Com	053015103	1,469	6,496	SH		OTR	0	5,881	135	480
BP PLC Spons ADR	Com	055622104	102	3,564	SH		SOLE	0	3,564	0	0
BP PLC Spons ADR	Com	055622104	186	6,530	SH		OTR	0	6,530	0	0
Bank of America Corp	Com	060505104	639	21,143	SH		SOLE	0	20,495	0	648
Bank of America Corp	Com	060505104	198	6,570	SH		OTR	0	6,570	0	0
Bank of New York Mellon Corp	Com	064058100	532	13,807	SH		SOLE	0	13,807	0	0
Bank of New York Mellon Corp	Com	064058100	32	838	SH		OTR	0	338	0	500
Baxter Intl Inc	Com	071813109	380	7,063	SH		SOLE	0	7,063	0	0
Baxter Intl Inc	Com	071813109	146	2,705	SH		OTR	0	1,145	100	1,460
Becton Dickinson	Com	075887109	280	1,256	SH		SOLE	0	1,256	0	0
Becton Dickinson	Com	075887109	236	1,057	SH		OTR	0	1,057	0	0
Berkshire Hathaway Inc-Cl B	Com	084670702	2,346	8,785	SH		SOLE	0	8,555	30	200
Berkshire Hathaway Inc-Cl B	Com	084670702	2,154	8,066	SH		OTR	0	8,028	38	0
Best Buy Company Inc	Com	086516101	223	3,527	SH		SOLE	0	3,527	0	0
Best Buy Company Inc	Com	086516101	25	395	SH		OTR	0	395	0	0
Biogen Inc	Com	09062X103	102	382	SH		SOLE	0	382	0	0
Biogen Inc	Com	09062X103	139	522	SH		OTR	0	522	0	0
Boeing CO	Com	097023105	925	7,642	SH		SOLE	0	7,442	0	200
Boeing CO	Com	097023105	1,098	9,065	SH		OTR	0	8,735	180	150
Bristol Myers Squibb CO	Com	110122108	3,923	55,187	SH		SOLE	0	52,407	660	2,120
Bristol Myers Squibb CO	Com	110122108	2,441	34,332	SH		OTR	0	28,757	315	5,260
Cigna Corp	Com	125523100	250	900	SH		SOLE	0	863	0	37
Cigna Corp	Com	125523100	20	73	SH		OTR	0	73	0	0
Csx Corp	Com	126408103	210	7,890	SH		SOLE	0	7,890	0	0
Csx Corp	Com	126408103	173	6,480	SH		OTR	0	6,480	0	0
CVS Health Corp	Com	126650100	3,322	34,836	SH		SOLE	0	33,765	0	1,071
CVS Health Corp	Com	126650100	1,687	17,692	SH		OTR	0	16,011	300	1,381
Carrier Global Corporation	Com	14448C104	750	21,090	SH		SOLE	0	20,296	100	694
Carrier Global Corporation	Com	14448C104	508	14,287	SH		OTR	0	13,021	1,066	200
Caterpillar Inc	Com	149123101	2,031	12,377	SH		SOLE	0	11,489	0	888
Caterpillar Inc	Com	149123101	1,626	9,907	SH		OTR	0	9,570	37	300
Chevron Corporation	Com	166764100	5,802	40,382	SH		SOLE	0	38,077	350	1,955
Chevron Corporation	Com	166764100	4,301	29,937	SH		OTR	0	28,372	375	1,190
Chipotle Mexican Grill Inc	Com	169656105	212	141	SH		SOLE	0	141	0	0
Chipotle Mexican Grill Inc	Com	169656105	65	43	SH		OTR	0	43	0	0
Cisco Systems Inc	Com	17275R102	2,917	72,937	SH		SOLE	0	68,462	0	4,475
Cisco Systems Inc	Com	17275R102	1,991	49,778	SH		OTR	0	48,033	715	1,030
Citigroup Inc	Com	172967424	459	11,015	SH		SOLE	0	11,015	0	0
Citigroup Inc	Com	172967424	226	5,426	SH		OTR	0	5,276	150	0
Clorox Company	Com	189054109	614	4,781	SH		SOLE	0	4,781	0	0
Clorox Company	Com	189054109	303	2,360	SH		OTR	0	1,875	0	485
Coca Cola CO	Com	191216100	2,464	43,980	SH		SOLE	0	38,131	865	4,984
Coca Cola CO	Com	191216100	1,020	18,209	SH		OTR	0	13,254	150	4,805
Colgate Palmolive CO	Com	194162103	898	12,786	SH		SOLE	0	10,926	410	1,450
Colgate Palmolive CO	Com	194162103	381	5,430	SH		OTR	0	3,980	0	1,450
ComCast Corp-Cl A	Com	20030N101	666	22,695	SH		SOLE	0	20,585	0	2,110
ComCast Corp-Cl A	Com	20030N101	317	10,811	SH		OTR	0	8,828	810	1,173
Community Bank System Inc	Com	203607106	114	1,902	SH		SOLE	0	1,700	0	202
Community Bank System Inc	Com	203607106	455	7,580	SH		OTR	0	7,000	580	0
Conocophillips	Com	20825C104	810	7,914	SH		SOLE	0	7,814	100	0
Conocophillips	Com	20825C104	166	1,622	SH		OTR	0	1,472	150	0
Corning Inc	Com	219350105	371	12,774	SH		SOLE	0	12,774	0	0
Corning Inc	Com	219350105	242	8,350	SH		OTR	0	5,600	900	1,850
Corteva Inc Com	Com	22052L104	105	1,838	SH		SOLE	0	1,747	0	91
Corteva Inc Com	Com	22052L104	470	8,222	SH		OTR	0	7,994	0	228
Costco Wholesale Corp	Com	22160K105	889	1,882	SH		SOLE	0	1,882	0	0
Costco Wholesale Corp	Com	22160K105	586	1,241	SH		OTR	0	751	0	490
DTE Energy Co	Com	233331107	346	3,009	SH		SOLE	0	3,009	0	0
Danaher Corp	Com	235851102	4,336	16,789	SH		SOLE	0	14,829	0	1,960
Danaher Corp	Com	235851102	2,742	10,615	SH		OTR	0	9,433	125	1,057
Deere & CO	Com	244199105	2,139	6,407	SH		SOLE	0	5,719	25	663
Deere & CO	Com	244199105	3,581	10,724	SH		OTR	0	10,654	70	0
Dicks Sporting Goods Inc	Com	253393102	470	4,491	SH		SOLE	0	3,776	0	715
Dicks Sporting Goods Inc	Com	253393102	47	453	SH		OTR	0	453	0	0
Disney Walt CO New	Com	254687106	2,945	31,224	SH		SOLE	0	30,007	0	1,217
Disney Walt CO New	Com	254687106	1,986	21,059	SH		OTR	0	19,734	600	725
Dominion Resources Inc	Com	25746U109	1,098	15,886	SH		SOLE	0	15,576	0	310
Dominion Resources Inc	Com	25746U109	688	9,955	SH		OTR	0	7,575	80	2,300
Dow Inc Com	Com	260557103	662	15,059	SH		SOLE	0	14,968	0	91
Dow Inc Com	Com	260557103	887	20,199	SH		OTR	0	18,425	16	1,758
Duke Energy Corp	Com	26441C204	311	3,339	SH		SOLE	0	3,054	285	0
Duke Energy Corp	Com	26441C204	128	1,375	SH		OTR	0	1,275	100	0
Dupont De Nemours Inc	Com	26614N102	761	15,109	SH		SOLE	0	15,018	0	91
Dupont De Nemours Inc	Com	26614N102	700	13,890	SH		OTR	0	12,729	316	845
Ecolab Inc	Com	278865100	952	6,592	SH		SOLE	0	6,592	0	0
Ecolab Inc	Com	278865100	415	2,875	SH		OTR	0	2,385	40	450
Emerson Elec CO	Com	291011104	783	10,694	SH		SOLE	0	10,694	0	0
Emerson Elec CO	Com	291011104	248	3,390	SH		OTR	0	3,190	200	0
Exelon Corp	Com	30161N101	136	3,622	SH		SOLE	0	3,622	0	0
Exelon Corp	Com	30161N101	105	2,796	SH		OTR	0	2,446	0	350
Exxonmobil Corp	Com	30231G102	6,964	79,758	SH		SOLE	0	75,907	730	3,121
Exxonmobil Corp	Com	30231G102	5,806	66,494	SH		OTR	0	62,919	660	2,915
Meta Platforms Inc	Com	30303M102	848	6,248	SH		SOLE	0	6,248	0	0
Meta Platforms Inc	Com	30303M102	539	3,974	SH		OTR	0	3,974	0	0
Fiserv Inc	Com	337738108	425	4,544	SH		SOLE	0	4,544	0	0
Fiserv Inc	Com	337738108	82	874	SH		OTR	0	874	0	0
FlexShares Mstar Glbl Upstrm N	Com	33939L407	37,484	997,174	SH		SOLE	0	993,303	0	3,871
FlexShares Mstar Glbl Upstrm N	Com	33939L407	3,164	84,160	SH		OTR	0	81,235	340	2,585
Flexshares Disciplined Duratio	Com	33939L779	850	42,065	SH		SOLE	0	42,065	0	0
FlexShares Global Quality Real	Com	33939L787	501	10,010	SH		SOLE	0	10,010	0	0
FlexShares Global Quality Real	Com	33939L787	1	20	SH		OTR	0	20	0	0
FlexShares STOXX Glbl Brd Infr	Com	33939L795	7,069	154,794	SH		SOLE	0	154,794	0	0
FlexShares STOXX Glbl Brd Infr	Com	33939L795	784	17,163	SH		OTR	0	16,918	0	245
FlexShares International Quali	Com	33939L837	463	26,015	SH		SOLE	0	26,015	0	0
FlexShares International Quali	Com	33939L837	23	1,300	SH		OTR	0	1,300	0	0
Fortive Corp	Com	34959J108	244	4,177	SH		SOLE	0	3,877	0	300
Fortive Corp	Com	34959J108	111	1,899	SH		OTR	0	1,055	50	794
Freeport-McMoran Inc	Com	35671D857	134	4,917	SH		SOLE	0	4,917	0	0
Freeport-McMoran Inc	Com	35671D857	86	3,138	SH		OTR	0	1,413	0	1,725
General Dynamics Corp	Com	369550108	1,109	5,228	SH		SOLE	0	5,078	0	150
General Dynamics Corp	Com	369550108	190	896	SH		OTR	0	896	0	0
General Electric Co New	Com	369604301	260	4,206	SH		SOLE	0	3,852	0	354
General Electric Co New	Com	369604301	182	2,933	SH		OTR	0	2,924	0	9
General Mls Inc	Com	370334104	831	10,845	SH		SOLE	0	10,347	0	498
General Mls Inc	Com	370334104	535	6,985	SH		OTR	0	6,340	100	545
Gilead Sciences Inc	Com	375558103	294	4,759	SH		SOLE	0	4,759	0	0
Gilead Sciences Inc	Com	375558103	92	1,491	SH		OTR	0	1,431	60	0
Global X US Preferred ETF	Com	37954Y657	246	12,000	SH		OTR	0	12,000	0	0
Goldman Sachs Group Inc	Com	38141G104	1,043	3,558	SH		SOLE	0	3,538	20	0
Goldman Sachs Group Inc	Com	38141G104	1,178	4,019	SH		OTR	0	4,004	15	0
Grainger W W Inc	Com	384802104	1,617	3,305	SH		SOLE	0	3,305	0	0
Grainger W W Inc	Com	384802104	900	1,839	SH		OTR	0	959	100	780
The Hershey Company	Com	427866108	110	500	SH		SOLE	0	500	0	0
The Hershey Company	Com	427866108	165	750	SH		OTR	0	750	0	0
Home Depot Inc	Com	437076102	978	3,545	SH		SOLE	0	3,257	0	288
Home Depot Inc	Com	437076102	1,450	5,255	SH		OTR	0	4,155	150	950
Honeywell International Inc	Com	438516106	2,975	17,815	SH		SOLE	0	16,900	0	915
Honeywell International Inc	Com	438516106	1,113	6,665	SH		OTR	0	5,546	290	829
Illinois Tool Wks Inc	Com	452308109	305	1,690	SH		SOLE	0	1,690	0	0
Illinois Tool Wks Inc	Com	452308109	68	375	SH		OTR	0	375	0	0
Intel Corp	Com	458140100	2,343	90,922	SH		SOLE	0	88,397	1,025	1,500
Intel Corp	Com	458140100	780	30,281	SH		OTR	0	27,616	1,540	1,125
Intercontinental Exchange Inc	Com	45866F104	628	6,955	SH		SOLE	0	6,955	0	0
Intercontinental Exchange Inc	Com	45866F104	62	688	SH		OTR	0	688	0	0
Intl. Business Machines Corp	Com	459200101	2,120	17,846	SH		SOLE	0	15,684	430	1,732
Intl. Business Machines Corp	Com	459200101	2,120	17,846	SH		OTR	0	16,263	0	1,583
Invesco SP 500 Low Volatility	Com	46138E354	202	3,493	SH		SOLE	0	3,493	0	0
Ishares Barclays TIPS Bond ETF	Com	464287176	295	2,811	SH		SOLE	0	2,811	0	0
Ishares Core S&P 500 ETF	Com	464287200	212	590	SH		SOLE	0	590	0	0
Ishares Core Total U.S. Aggreg	Com	464287226	224	2,320	SH		SOLE	0	2,320	0	0
Ishares Msci Emerging Mkt ETF	Com	464287234	2,667	76,465	SH		SOLE	0	74,762	525	1,178
Ishares Msci Emerging Mkt ETF	Com	464287234	778	22,317	SH		OTR	0	21,381	561	375
Ishares 1-3 Year Treasury ETF	Com	464287457	1,692	20,831	SH		SOLE	0	20,831	0	0
Ishares Msci Eafe ETF	Com	464287465	2,761	49,300	SH		SOLE	0	46,459	0	2,841
Ishares Msci Eafe ETF	Com	464287465	915	16,339	SH		OTR	0	16,064	200	75
Ishares Core S&P Mid-Cap ETF	Com	464287507	1,453	6,625	SH		SOLE	0	6,625	0	0
Ishares Core S&P Mid-Cap ETF	Com	464287507	419	1,911	SH		OTR	0	1,766	0	145
Ishares Nasdaq Biotech ETF	Com	464287556	2,545	21,758	SH		SOLE	0	20,966	96	696
Ishares Nasdaq Biotech ETF	Com	464287556	1,659	14,184	SH		OTR	0	12,047	540	1,597
Ishares S&P Midcap 400/Grwth E	Com	464287606	240	3,816	SH		SOLE	0	3,816	0	0
Ishares Russell 1000 Growth ET	Com	464287614	231	1,097	SH		SOLE	0	1,097	0	0
Ishares Russell 2000 Value ETF	Com	464287630	252	1,952	SH		SOLE	0	1,952	0	0
Ishares Russell 2000 Value ETF	Com	464287630	24	185	SH		OTR	0	0	185	0
Ishares Russell 2000 ETF	Com	464287655	4,684	28,400	SH		SOLE	0	26,865	0	1,535
Ishares Russell 2000 ETF	Com	464287655	640	3,883	SH		OTR	0	3,748	100	35
Ishares DJ US Telcom Sector ET	Com	464287713	605	28,982	SH		SOLE	0	28,982	0	0
Ishares DJ US Telcom Sector ET	Com	464287713	408	19,555	SH		OTR	0	19,355	200	0
Ishares Core S&P Small-Cap ETF	Com	464287804	477	5,466	SH		SOLE	0	5,466	0	0
Ishares Msci Eafe Small Cap ET	Com	464288273	2,797	57,329	SH		SOLE	0	57,319	0	10
Ishares Msci Eafe Small Cap ET	Com	464288273	317	6,502	SH		OTR	0	6,502	0	0
Ishares New York Muni Bond ETF	Com	464288323	899	17,765	SH		SOLE	0	17,765	0	0
Ishares IBoxx High Yield Corpo	Com	464288513	2,289	32,059	SH		SOLE	0	32,059	0	0
Ishares IBoxx High Yield Corpo	Com	464288513	4	50	SH		OTR	0	50	0	0
iShares TR 1-5 Yr Inv Gr Corp	Com	464288646	381	7,739	SH		SOLE	0	7,739	0	0
Ishares 3-7 Year Treasury Bond	Com	464288661	730	6,390	SH		SOLE	0	6,390	0	0
Ishares S&P Pref Stk ETF	Com	464288687	2,131	67,293	SH		SOLE	0	67,293	0	0
Ishares S&P Pref Stk ETF	Com	464288687	326	10,304	SH		OTR	0	7,124	0	3,180
Ishares MSCI EAFE Growth ETF	Com	464288885	14,750	203,284	SH		SOLE	0	201,271	0	2,013
Ishares MSCI EAFE Growth ETF	Com	464288885	2,562	35,309	SH		OTR	0	35,229	0	80
IShares Russell Top 200 Growth	Com	464289438	207	1,730	SH		SOLE	0	1,730	0	0
iShares Core High Dividend ETF	Com	46429B663	795	8,706	SH		SOLE	0	8,706	0	0
IShares 0-5 Yr TIPs ETF	Com	46429B747	3,819	39,735	SH		SOLE	0	39,735	0	0
IShares 0-5 Yr TIPs ETF	Com	46429B747	993	10,331	SH		OTR	0	10,331	0	0
Ishares Core Msci Eafe ETF	Com	46432F842	6,964	132,225	SH		SOLE	0	132,170	0	55
Ishares Core Msci Eafe ETF	Com	46432F842	728	13,820	SH		OTR	0	13,820	0	0
Ishares Core Emerging Markets	Com	46434G103	2,649	61,636	SH		SOLE	0	61,636	0	0
Ishares Core Emerging Markets	Com	46434G103	785	18,267	SH		OTR	0	18,267	0	0
IShares Core Intnl Agg Bond ET	Com	46435G672	395	8,177	SH		SOLE	0	8,177	0	0
JP Morgan Chase & CO	Com	46625H100	6,097	58,341	SH		SOLE	0	56,571	112	1,658
JP Morgan Chase & CO	Com	46625H100	4,350	41,623	SH		OTR	0	36,460	585	4,578
JPMorgan Municipal ETF	Com	46641Q647	128	2,645	SH		SOLE	0	2,645	0	0
JPMorgan Municipal ETF	Com	46641Q647	123	2,545	SH		OTR	0	2,545	0	0
JPMorgan Ultra-Short Income ET	Com	46641Q837	404	8,055	SH		SOLE	0	8,055	0	0
Johnson & Johnson	Com	478160104	9,222	56,450	SH		SOLE	0	51,055	150	5,245
Johnson & Johnson	Com	478160104	4,825	29,536	SH		OTR	0	25,914	260	3,362
Kimberly Clark Corp	Com	494368103	430	3,823	SH		SOLE	0	3,823	0	0
Kimberly Clark Corp	Com	494368103	45	400	SH		OTR	0	400	0	0
Kraft Heinz CO	Com	500754106	164	4,915	SH		SOLE	0	4,915	0	0
Kraft Heinz CO	Com	500754106	236	7,081	SH		OTR	0	7,081	0	0
Lauder Estee Cos Cl-A	Com	518439104	163	757	SH		SOLE	0	757	0	0
Lauder Estee Cos Cl-A	Com	518439104	62	286	SH		OTR	0	286	0	0
Lilly Eli & CO	Com	532457108	552	1,708	SH		SOLE	0	1,180	0	528
Lilly Eli & CO	Com	532457108	2,048	6,335	SH		OTR	0	5,285	25	1,025
Lockheed Martin Corp	Com	539830109	2,899	7,504	SH		SOLE	0	6,954	0	550
Lockheed Martin Corp	Com	539830109	869	2,250	SH		OTR	0	2,250	0	0
Lowes Cos Inc	Com	548661107	7,194	38,305	SH		SOLE	0	37,775	25	505
Lowes Cos Inc	Com	548661107	4,323	23,020	SH		OTR	0	21,986	325	709
Marsh & McLennan Companies Inc	Com	571748102	231	1,546	SH		SOLE	0	1,546	0	0
Marsh & McLennan Companies Inc	Com	571748102	199	1,331	SH		OTR	0	1,331	0	0
Marriott International Inc	Com	571903202	241	1,723	SH		SOLE	0	1,723	0	0
Mastercard Inc Cl A	Com	57636Q104	302	1,062	SH		SOLE	0	1,062	0	0
Mastercard Inc Cl A	Com	57636Q104	121	424	SH		OTR	0	424	0	0
McDonalds Corp	Com	580135101	6,836	29,625	SH		SOLE	0	29,395	75	155
McDonalds Corp	Com	580135101	3,943	17,088	SH		OTR	0	16,275	238	575
Merck & CO Inc	Com	58933Y105	3,476	40,357	SH		SOLE	0	38,937	620	800
Merck & CO Inc	Com	58933Y105	1,890	21,947	SH		OTR	0	20,297	300	1,350
Metlife Inc	Com	59156R108	375	6,177	SH		SOLE	0	6,177	0	0
Metlife Inc	Com	59156R108	98	1,611	SH		OTR	0	1,300	111	200
Microsoft Corp	Com	594918104	14,472	62,139	SH		SOLE	0	58,931	180	3,028
Microsoft Corp	Com	594918104	8,053	34,578	SH		OTR	0	32,467	695	1,416
Microchip Technology Inc	Com	595017104	1,970	32,285	SH		SOLE	0	32,285	0	0
Microchip Technology Inc	Com	595017104	617	10,110	SH		OTR	0	8,560	300	1,250
Mondelez International Inc	Com	609207105	530	9,667	SH		SOLE	0	9,253	0	414
Mondelez International Inc	Com	609207105	1,031	18,811	SH		OTR	0	18,811	0	0
Morgan Stanley	Com	617446448	212	2,682	SH		SOLE	0	2,682	0	0
Morgan Stanley	Com	617446448	20	250	SH		OTR	0	250	0	0
NBT Bancorp Inc	Com	628778102	7,121	187,654	SH		SOLE	0	2,806	0	184,848
NBT Bancorp Inc	Com	628778102	866	22,809	SH		OTR	0	14,394	0	8,415
Nextera Energy Inc	Com	65339F101	2,449	31,231	SH		SOLE	0	29,431	0	1,800
Nextera Energy Inc	Com	65339F101	1,710	21,807	SH		OTR	0	12,067	120	9,620
Nike Inc-Class B	Com	654106103	1,440	17,320	SH		SOLE	0	17,320	0	0
Nike Inc-Class B	Com	654106103	522	6,279	SH		OTR	0	6,279	0	0
Norfolk Southern Corp	Com	655844108	1,051	5,015	SH		SOLE	0	5,015	0	0
Norfolk Southern Corp	Com	655844108	1,159	5,528	SH		OTR	0	3,963	70	1,495
Novartis Ag Spons ADR	Com	66987V109	983	12,939	SH		SOLE	0	12,789	0	150
Novartis Ag Spons ADR	Com	66987V109	686	9,024	SH		OTR	0	8,924	100	0
Nucor Corp	Com	670346105	806	7,537	SH		SOLE	0	7,537	0	0
Nucor Corp	Com	670346105	203	1,900	SH		OTR	0	1,150	0	750
Nvidia Corp	Com	67066G104	603	4,969	SH		SOLE	0	4,593	0	376
Nvidia Corp	Com	67066G104	61	505	SH		OTR	0	505	0	0
O'Reilly Automotive Inc	Com	67103H107	317	450	SH		SOLE	0	450	0	0
Oracle Corporation	Com	68389X105	2,045	33,482	SH		SOLE	0	31,982	0	1,500
Oracle Corporation	Com	68389X105	597	9,779	SH		OTR	0	7,010	70	2,699
Otis Worldwide Corp	Com	68902V107	505	7,922	SH		SOLE	0	7,525	50	347
Otis Worldwide Corp	Com	68902V107	404	6,326	SH		OTR	0	5,693	533	100
Palo Alto Networks	Com	697435105	432	2,637	SH		SOLE	0	2,637	0	0
Palo Alto Networks	Com	697435105	275	1,677	SH		OTR	0	1,677	0	0
Paychex Inc	Com	704326107	86	764	SH		SOLE	0	764	0	0
Paychex Inc	Com	704326107	135	1,200	SH		OTR	0	1,000	200	0
Paypal Holdings Inc	Com	70450Y103	135	1,565	SH		SOLE	0	1,405	0	160
Paypal Holdings Inc	Com	70450Y103	241	2,802	SH		OTR	0	953	0	1,849
Pepsico Inc	Com	713448108	6,603	40,443	SH		SOLE	0	39,780	90	573
Pepsico Inc	Com	713448108	3,110	19,048	SH		OTR	0	17,898	340	810
Pfizer Inc	Com	717081103	4,743	108,385	SH		SOLE	0	103,864	0	4,521
Pfizer Inc	Com	717081103	2,384	54,490	SH		OTR	0	50,516	1,385	2,589
Philip Morris International	Com	718172109	682	8,213	SH		SOLE	0	7,538	0	675
Philip Morris International	Com	718172109	2,024	24,377	SH		OTR	0	24,377	0	0
T Rowe Price Group Inc	Com	74144T108	2,274	21,651	SH		SOLE	0	21,601	50	0
T Rowe Price Group Inc	Com	74144T108	1,461	13,909	SH		OTR	0	13,429	295	185
Procter & Gamble CO	Com	742718109	7,487	59,300	SH		SOLE	0	54,548	365	4,387
Procter & Gamble CO	Com	742718109	4,362	34,547	SH		OTR	0	30,267	380	3,900
Prudential Finl Inc	Com	744320102	1,108	12,916	SH		SOLE	0	12,866	50	0
Prudential Finl Inc	Com	744320102	1,096	12,777	SH		OTR	0	12,427	150	200
Public Service Enterprise Grou	Com	744573106	86	1,522	SH		SOLE	0	1,522	0	0
Public Service Enterprise Grou	Com	744573106	143	2,550	SH		OTR	0	2,550	0	0
Qualcomm Inc	Com	747525103	2,774	24,555	SH		SOLE	0	24,130	0	425
Qualcomm Inc	Com	747525103	1,499	13,265	SH		OTR	0	12,540	225	500
Quanta Services Incorporated	Com	74762E102	828	6,500	SH		OTR	0	2,100	0	4,400
Raytheon Technologies Corp	Com	75513E101	3,035	37,077	SH		SOLE	0	36,107	100	870
Raytheon Technologies Corp	Com	75513E101	2,145	26,201	SH		OTR	0	23,810	1,186	1,205
Shell PLC Spon ADS	Com	780259305	5	100	SH		SOLE	0	100	0	0
Shell PLC Spon ADS	Com	780259305	485	9,747	SH		OTR	0	5,150	0	4,597
S&P Global Inc	Com	78409V104	458	1,499	SH		OTR	0	0	0	1,499
SPDR S&P 500 ETF Trust	Com	78462F103	4,129	11,559	SH		SOLE	0	10,985	0	574
SPDR S&P 500 ETF Trust	Com	78462F103	620	1,735	SH		OTR	0	1,415	160	160
SPDR Gold Trust	Com	78463V107	274	1,771	SH		SOLE	0	1,704	0	67
SPDR Gold Trust	Com	78463V107	8	50	SH		OTR	0	50	0	0
SPDR Portfolio Developed Wld e	Com	78463X889	2,268	87,891	SH		SOLE	0	87,891	0	0
SPDR Portfolio Developed Wld e	Com	78463X889	650	25,197	SH		OTR	0	25,197	0	0
SPDR Preferred Stock ETF	Com	78464A292	209	6,005	SH		SOLE	0	6,005	0	0
SPDR Portfolio Intermediate Te	Com	78464A375	597	19,074	SH		SOLE	0	19,074	0	0
SPDR Portfolio Short Term Corp	Com	78464A474	1,850	63,320	SH		SOLE	0	63,320	0	0
SPDR S&P Regional Banking ETF	Com	78464A698	1,902	32,299	SH		SOLE	0	31,799	0	500
SPDR S&P Regional Banking ETF	Com	78464A698	1,255	21,314	SH		OTR	0	21,114	100	100
SPDR S&P Dividend ETF	Com	78464A763	10,411	93,376	SH		SOLE	0	93,376	0	0
SPDR S&P Dividend ETF	Com	78464A763	987	8,850	SH		OTR	0	8,850	0	0
SPDR Dow Jones Industrial Aver	Com	78467X109	995	3,462	SH		SOLE	0	3,462	0	0
SPDR Dow Jones Industrial Aver	Com	78467X109	190	660	SH		OTR	0	560	0	100
Midcap SPDR Trust Series 1	Com	78467Y107	6,210	15,462	SH		SOLE	0	14,473	0	989
Midcap SPDR Trust Series 1	Com	78467Y107	853	2,123	SH		OTR	0	2,041	50	32
Salesforce Inc	Com	79466L302	1,355	9,422	SH		SOLE	0	9,329	0	93
Salesforce Inc	Com	79466L302	871	6,056	SH		OTR	0	6,056	0	0
Schlumberger Ltd	Com	806857108	912	25,390	SH		SOLE	0	24,575	0	815
Schlumberger Ltd	Com	806857108	550	15,318	SH		OTR	0	15,028	290	0
Charles Schwab Corp	Com	808513105	227	3,154	SH		SOLE	0	3,154	0	0
Charles Schwab Corp	Com	808513105	257	3,575	SH		OTR	0	3,575	0	0
Schwab US Small Cap ETF	Com	808524607	2,999	79,334	SH		SOLE	0	79,334	0	0
Schwab US Small Cap ETF	Com	808524607	290	7,675	SH		OTR	0	7,675	0	0
Schwab Fundamental Intl Lg Co	Com	808524755	202	8,015	SH		SOLE	0	8,015	0	0
Schwab US Dividend Equity ETF	Com	808524797	6,061	91,241	SH		SOLE	0	89,368	0	1,873
Schwab US Dividend Equity ETF	Com	808524797	1,072	16,144	SH		OTR	0	16,144	0	0
Schwab International Equity ET	Com	808524805	2,225	79,085	SH		SOLE	0	79,085	0	0
Schwab International Equity ET	Com	808524805	467	16,614	SH		OTR	0	15,949	0	665
Schwab US Aggregate Bd ETF	Com	808524839	1,117	24,656	SH		SOLE	0	24,656	0	0
Schwab US Aggregate Bd ETF	Com	808524839	800	17,662	SH		OTR	0	17,662	0	0
Materials Select SPDR Fund	Com	81369Y100	1,304	19,176	SH		SOLE	0	17,145	0	2,031
Materials Select SPDR Fund	Com	81369Y100	664	9,762	SH		OTR	0	9,002	315	445
Health Care Select Sector SPDR	Com	81369Y209	1,001	8,268	SH		SOLE	0	7,751	0	517
Health Care Select Sector SPDR	Com	81369Y209	18	150	SH		OTR	0	150	0	0
Consumer Staples Select Sector	Com	81369Y308	583	8,736	SH		SOLE	0	7,425	0	1,311
Consumer Staples Select Sector	Com	81369Y308	41	615	SH		OTR	0	130	305	180
Consumer Discretionary Selt	Com	81369Y407	1,236	8,680	SH		SOLE	0	6,850	0	1,830
Consumer Discretionary Selt	Com	81369Y407	176	1,235	SH		OTR	0	770	355	110
Energy Select Sector SPDR	Com	81369Y506	643	8,921	SH		SOLE	0	7,921	0	1,000
Energy Select Sector SPDR	Com	81369Y506	129	1,794	SH		OTR	0	1,574	80	140
Financial Select Sector SPDR	Com	81369Y605	873	28,765	SH		SOLE	0	26,076	0	2,689
Financial Select Sector SPDR	Com	81369Y605	73	2,410	SH		OTR	0	2,210	200	0
Industrial Select Sector SPDR	Com	81369Y704	904	10,913	SH		SOLE	0	10,660	0	253
Industrial Select Sector SPDR	Com	81369Y704	52	625	SH		OTR	0	535	0	90
Technology Select Sect SPDR	Com	81369Y803	1,851	15,583	SH		SOLE	0	15,322	162	99
Technology Select Sect SPDR	Com	81369Y803	192	1,615	SH		OTR	0	1,465	150	0
Real Estate Select Sect SPDR	Com	81369Y860	805	22,342	SH		SOLE	0	20,224	105	2,013
Real Estate Select Sect SPDR	Com	81369Y860	1,256	34,875	SH		OTR	0	34,704	46	125
Utilities Select Sector SPDR	Com	81369Y886	1,943	29,656	SH		SOLE	0	25,493	0	4,163
Utilities Select Sector SPDR	Com	81369Y886	1,065	16,262	SH		OTR	0	15,172	620	470
Southern Company	Com	842587107	1,117	16,429	SH		SOLE	0	16,429	0	0
Southern Company	Com	842587107	770	11,325	SH		OTR	0	11,325	0	0
Starbucks Corp	Com	855244109	151	1,792	SH		SOLE	0	1,792	0	0
Starbucks Corp	Com	855244109	435	5,160	SH		OTR	0	5,160	0	0
Sysco Corp	Com	871829107	392	5,545	SH		SOLE	0	5,545	0	0
Sysco Corp	Com	871829107	439	6,204	SH		OTR	0	5,779	0	425
TJX Cos Inc	Com	872540109	2,219	35,722	SH		SOLE	0	34,122	300	1,300
TJX Cos Inc	Com	872540109	2,045	32,928	SH		OTR	0	32,119	455	354
Target Corp	Com	87612E106	2,438	16,428	SH		SOLE	0	16,153	0	275
Target Corp	Com	87612E106	2,053	13,834	SH		OTR	0	11,070	165	2,599
Texas Instruments Inc	Com	882508104	163	1,056	SH		SOLE	0	1,056	0	0
Texas Instruments Inc	Com	882508104	45	292	SH		OTR	0	160	0	132
Thermo Fisher Scientific Inc	Com	883556102	8	16	SH		SOLE	0	16	0	0
Thermo Fisher Scientific Inc	Com	883556102	558	1,100	SH		OTR	0	0	0	1,100
3m CO	Com	88579Y101	1,293	11,699	SH		SOLE	0	10,660	330	709
3m CO	Com	88579Y101	294	2,660	SH		OTR	0	2,025	265	370
Truist Financial Corporation	Com	89832Q109	341	7,829	SH		SOLE	0	7,546	0	283
Truist Financial Corporation	Com	89832Q109	177	4,065	SH		OTR	0	4,065	0	0
US Bancorp New	Com	902973304	705	17,474	SH		SOLE	0	17,474	0	0
US Bancorp New	Com	902973304	221	5,482	SH		OTR	0	4,711	555	216
Union Pac Corp	Com	907818108	3,496	17,945	SH		SOLE	0	17,037	0	908
Union Pac Corp	Com	907818108	3,259	16,726	SH		OTR	0	15,096	50	1,580
United Parcel Service Cl B	Com	911312106	658	4,074	SH		SOLE	0	4,074	0	0
United Parcel Service Cl B	Com	911312106	299	1,849	SH		OTR	0	1,814	35	0
Unitedhealth Group Inc	Com	91324P102	3,515	6,960	SH		SOLE	0	6,760	0	200
Unitedhealth Group Inc	Com	91324P102	2,203	4,362	SH		OTR	0	4,172	120	70
Vaneck ETF Trust Agribusiness	Com	92189F700	948	11,751	SH		SOLE	0	10,921	50	780
Vaneck ETF Trust Agribusiness	Com	92189F700	889	11,016	SH		OTR	0	10,791	125	100
Vanguard Dividend Appreciation	Com	921908844	112	825	SH		SOLE	0	825	0	0
Vanguard Dividend Appreciation	Com	921908844	676	5,000	SH		OTR	0	5,000	0	0
Vanguard Total Intl Stock Et	Com	921909768	42	925	SH		SOLE	0	925	0	0
Vanguard Total Intl Stock Et	Com	921909768	236	5,150	SH		OTR	0	5,150	0	0
Vanguard Intermediate-Term Bon	Com	921937819	406	5,520	SH		SOLE	0	5,520	0	0
Vanguard Intermediate-Term Bon	Com	921937819	108	1,475	SH		OTR	0	1,475	0	0
Vanguard FTSE Developed Market	Com	921943858	100	2,750	SH		SOLE	0	2,750	0	0
Vanguard FTSE Developed Market	Com	921943858	150	4,125	SH		OTR	0	4,125	0	0
Vanguard High Dividend Yield E	Com	921946406	238	2,512	SH		SOLE	0	2,512	0	0
Vanguard High Dividend Yield E	Com	921946406	59	620	SH		OTR	0	620	0	0
Vanguard Ftse Emerging Markets	Com	922042858	1,357	37,191	SH		SOLE	0	37,191	0	0
Vanguard Ftse Emerging Markets	Com	922042858	341	9,340	SH		OTR	0	8,840	0	500
Vanguard Inter Term Corp Bond	Com	92206C870	921	12,176	SH		SOLE	0	12,176	0	0
Vanguard Inter Term Corp Bond	Com	92206C870	847	11,188	SH		OTR	0	11,188	0	0
Vanguard S&P 500 ETF	Com	922908363	9,778	29,785	SH		SOLE	0	29,598	0	187
Vanguard Mid-Cap Value Index F	Com	922908512	375	3,079	SH		SOLE	0	3,079	0	0
Vanguard Mid-Cap Value Index F	Com	922908512	22	180	SH		OTR	0	180	0	0
Vanguard Real Estate ETF	Com	922908553	860	10,728	SH		SOLE	0	10,728	0	0
Vanguard Real Estate ETF	Com	922908553	422	5,261	SH		OTR	0	4,930	331	0
Vanguard Index Fund Mid-Cap	Com	922908629	134	714	SH		SOLE	0	714	0	0
Vanguard Index Fund Mid-Cap	Com	922908629	72	385	SH		OTR	0	385	0	0
Verizon Communications	Com	92343V104	2,137	56,282	SH		SOLE	0	52,557	830	2,895
Verizon Communications	Com	92343V104	1,405	37,009	SH		OTR	0	33,858	280	2,871
Visa Inc Cl A	Com	92826C839	1,471	8,279	SH		SOLE	0	8,279	0	0
Visa Inc Cl A	Com	92826C839	1,234	6,949	SH		OTR	0	6,849	100	0
Wal Mart Inc	Com	931142103	1,942	14,970	SH		SOLE	0	14,570	0	400
Wal Mart Inc	Com	931142103	1,734	13,371	SH		OTR	0	11,755	350	1,266
Walgreens Boots Alliance Inc	Com	931427108	176	5,592	SH		SOLE	0	5,592	0	0
Walgreens Boots Alliance Inc	Com	931427108	135	4,300	SH		OTR	0	3,700	0	600
Waste Management Inc	Com	94106L109	22	140	SH		SOLE	0	140	0	0
Waste Management Inc	Com	94106L109	237	1,480	SH		OTR	0	1,250	0	230
Wells Fargo & CO	Com	949746101	1,207	29,998	SH		SOLE	0	29,224	0	774
Wells Fargo & CO	Com	949746101	451	11,223	SH		OTR	0	8,438	600	2,185
WisdomTree MidCap Dividend ETF	Com	97717W505	1,853	49,196	SH		SOLE	0	48,440	0	756
WisdomTree MidCap Dividend ETF	Com	97717W505	218	5,794	SH		OTR	0	2,784	0	3,010
WisdomTree SmallCap Dividend E	Com	97717W604	511	19,863	SH		SOLE	0	19,738	0	125
WisdomTree SmallCap Dividend E	Com	97717W604	18	697	SH		OTR	0	697	0	0
Xylem Inc	Com	98419M100	289	3,313	SH		SOLE	0	3,313	0	0
Xylem Inc	Com	98419M100	127	1,450	SH		OTR	0	1,450	0	0
Yum! Brands Inc	Com	988498101	259	2,439	SH		SOLE	0	2,439	0	0
Yum! Brands Inc	Com	988498101	53	500	SH		OTR	0	500	0	0
Zimmer Biomet Holdings Inc	Com	98956P102	403	3,852	SH		SOLE	0	3,602	60	190
Zimmer Biomet Holdings Inc	Com	98956P102	270	2,583	SH		OTR	0	2,158	100	325
Deutsche Bank Ag ADR	Com	D18190898	74	10,000	SH		SOLE	0	10,000	0	0
Eaton Corp PLC	Com	G29183103	670	5,026	SH		SOLE	0	5,026	0	0
Eaton Corp PLC	Com	G29183103	676	5,068	SH		OTR	0	3,993	0	1,075
Linde PLC	Com	G5494J103	1,570	5,825	SH		SOLE	0	5,825	0	0
Linde PLC	Com	G5494J103	910	3,374	SH		OTR	0	2,449	0	925
Medtronic PLC	Com	G5960L103	823	10,188	SH		SOLE	0	10,188	0	0
Medtronic PLC	Com	G5960L103	736	9,111	SH		OTR	0	8,540	71	500