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	853,437	53,507	SH		SOLE	0	51,672	435	1,400
AT&T Inc	Com	00206R102	623,868	39,114	SH		OTR	0	33,802	400	4,912
Abbott Labs	Com	002824100	4,840,706	44,402	SH		SOLE	0	43,802	0	600
Abbott Labs	Com	002824100	1,849,306	16,963	SH		OTR	0	15,377	576	1,010
Abbvie Inc	Com	00287Y109	2,982,383	22,136	SH		SOLE	0	21,836	0	300
Abbvie Inc	Com	00287Y109	1,757,553	13,045	SH		OTR	0	11,520	295	1,230
Activision Blizzard, Inc	Com	00507V109	749,427	8,890	SH		SOLE	0	8,890	0	0
Activision Blizzard, Inc	Com	00507V109	625,590	7,421	SH		OTR	0	7,421	0	0
Adobe Inc	Com	00724F101	190,706	390	SH		SOLE	0	390	0	0
Adobe Inc	Com	00724F101	22,005	45	SH		OTR	0	13	0	32
Air Products & Chemicals Inc	Com	009158106	1,542,580	5,150	SH		SOLE	0	5,150	0	0
Air Products & Chemicals Inc	Com	009158106	462,774	1,545	SH		OTR	0	1,545	0	0
Allstate Corp	Com	020002101	70,767	649	SH		SOLE	0	649	0	0
Allstate Corp	Com	020002101	218,080	2,000	SH		OTR	0	2,000	0	0
Alphabet Inc Cl C	Com	02079K107	5,227,324	43,212	SH		SOLE	0	41,149	0	2,063
Alphabet Inc Cl C	Com	02079K107	4,356,372	36,012	SH		OTR	0	33,412	0	2,600
Alphabet Inc Cl A	Com	02079K305	3,460,048	28,906	SH		SOLE	0	28,246	0	660
Alphabet Inc Cl A	Com	02079K305	731,128	6,108	SH		OTR	0	3,808	0	2,300
Altria Group Inc	Com	02209S103	559,410	12,349	SH		SOLE	0	11,574	0	775
Altria Group Inc	Com	02209S103	1,463,960	32,317	SH		OTR	0	31,617	0	700
Amazon.Com Inc	Com	023135106	1,715,538	13,160	SH		SOLE	0	13,160	0	0
Amazon.Com Inc	Com	023135106	1,015,504	7,790	SH		OTR	0	7,090	0	700
American Express CO	Com	025816109	702,200	4,031	SH		SOLE	0	4,031	0	0
American Express CO	Com	025816109	175,245	1,006	SH		OTR	0	720	0	286
American Tower Corp REIT	Com	03027X100	195,298	1,007	SH		SOLE	0	1,007	0	0
American Tower Corp REIT	Com	03027X100	79,903	412	SH		OTR	0	412	0	0
American Water Works CO Inc	Com	030420103	1,258,912	8,819	SH		SOLE	0	8,819	0	0
American Water Works CO Inc	Com	030420103	775,133	5,430	SH		OTR	0	3,900	100	1,430
Amgen Inc	Com	031162100	557,270	2,510	SH		SOLE	0	2,510	0	0
Amgen Inc	Com	031162100	210,919	950	SH		OTR	0	950	0	0
Amplify CWP Enhanced Dividend	Com	032108409	644,076	17,891	SH		SOLE	0	17,891	0	0
Amplify CWP Enhanced Dividend	Com	032108409	180,000	5,000	SH		OTR	0	5,000	0	0
APA Corporation	Com	03743Q108	284,465	8,325	SH		SOLE	0	8,325	0	0
APA Corporation	Com	03743Q108	32,462	950	SH		OTR	0	950	0	0
Apple Inc	Com	037833100	24,990,756	128,838	SH		SOLE	0	116,636	315	11,887
Apple Inc	Com	037833100	15,266,409	78,705	SH		OTR	0	71,284	2,001	5,420
Arrow Finl Corp	Com	042744102	123,498	6,132	SH		SOLE	0	0	0	6,132
Arrow Finl Corp	Com	042744102	106,823	5,304	SH		OTR	0	5,304	0	0
Autoliv Inc	Com	052800109	798,356	9,388	SH		SOLE	0	8,344	0	1,044
Autoliv Inc	Com	052800109	913,840	10,746	SH		OTR	0	10,746	0	0
Automatic Data Processing Inc	Com	053015103	4,101,941	18,663	SH		SOLE	0	18,383	0	280
Automatic Data Processing Inc	Com	053015103	963,340	4,383	SH		OTR	0	3,778	125	480
BP PLC Spons ADR	Com	055622104	125,774	3,564	SH		SOLE	0	3,564	0	0
BP PLC Spons ADR	Com	055622104	230,444	6,530	SH		OTR	0	6,530	0	0
Bank of America Corp	Com	060505104	633,733	22,089	SH		SOLE	0	21,441	0	648
Bank of America Corp	Com	060505104	145,458	5,070	SH		OTR	0	5,070	0	0
Bank of New York Mellon Corp	Com	064058100	437,854	9,835	SH		SOLE	0	9,835	0	0
Bank of New York Mellon Corp	Com	064058100	22,260	500	SH		OTR	0	0	0	500
Baxter Intl Inc	Com	071813109	278,873	6,121	SH		SOLE	0	6,121	0	0
Baxter Intl Inc	Com	071813109	145,564	3,195	SH		OTR	0	1,095	100	2,000
Becton Dickinson	Com	075887109	433,768	1,643	SH		SOLE	0	1,643	0	0
Becton Dickinson	Com	075887109	15,049	57	SH		OTR	0	57	0	0
Berkshire Hathaway Inc-Cl B	Com	084670702	2,973,861	8,721	SH		SOLE	0	8,491	30	200
Berkshire Hathaway Inc-Cl B	Com	084670702	2,765,851	8,111	SH		OTR	0	8,073	38	0
Best Buy Company Inc	Com	086516101	265,272	3,237	SH		SOLE	0	3,237	0	0
Best Buy Company Inc	Com	086516101	27,371	334	SH		OTR	0	334	0	0
BHP Group Ltd Spons ADR	Com	088606108	168,747	2,828	SH		SOLE	0	2,628	0	200
BHP Group Ltd Spons ADR	Com	088606108	54,598	915	SH		OTR	0	915	0	0
Biogen Inc	Com	09062X103	87,734	308	SH		SOLE	0	308	0	0
Biogen Inc	Com	09062X103	148,407	521	SH		OTR	0	521	0	0
Boeing CO	Com	097023105	1,690,336	8,005	SH		SOLE	0	7,805	0	200
Boeing CO	Com	097023105	1,836,670	8,698	SH		OTR	0	8,398	150	150
Bristol Myers Squibb CO	Com	110122108	3,370,293	52,702	SH		SOLE	0	49,922	660	2,120
Bristol Myers Squibb CO	Com	110122108	2,011,931	31,461	SH		OTR	0	26,851	300	4,310
Broadcom Inc	Com	11135F101	150,933	174	SH		SOLE	0	174	0	0
Broadcom Inc	Com	11135F101	86,743	100	SH		OTR	0	100	0	0
CDW Corp	Com	12514G108	131,937	719	SH		SOLE	0	719	0	0
CDW Corp	Com	12514G108	97,072	529	SH		OTR	0	529	0	0
Cigna Group	Com	125523100	343,454	1,224	SH		SOLE	0	1,187	0	37
Cigna Group	Com	125523100	7,015	25	SH		OTR	0	25	0	0
Csx Corp	Com	126408103	278,870	8,178	SH		SOLE	0	8,178	0	0
Csx Corp	Com	126408103	233,244	6,840	SH		OTR	0	6,840	0	0
CVS Health Corp	Com	126650100	2,396,039	34,660	SH		SOLE	0	33,584	0	1,076
CVS Health Corp	Com	126650100	1,172,652	16,963	SH		OTR	0	15,304	278	1,381
Cardinal Health Inc	Com	14149Y108	167,389	1,770	SH		SOLE	0	1,770	0	0
Cardinal Health Inc	Com	14149Y108	78,020	825	SH		OTR	0	825	0	0
Carrier Global Corporation	Com	14448C104	992,410	19,964	SH		SOLE	0	19,170	100	694
Carrier Global Corporation	Com	14448C104	633,206	12,738	SH		OTR	0	11,472	1,066	200
Caterpillar Inc	Com	149123101	2,923,566	11,882	SH		SOLE	0	10,994	0	888
Caterpillar Inc	Com	149123101	2,404,893	9,774	SH		OTR	0	9,444	30	300
Chevron Corporation	Com	166764100	6,169,170	39,207	SH		SOLE	0	36,950	299	1,958
Chevron Corporation	Com	166764100	4,377,320	27,819	SH		OTR	0	26,254	375	1,190
Chipotle Mexican Grill Inc	Com	169656105	325,128	152	SH		SOLE	0	152	0	0
Chipotle Mexican Grill Inc	Com	169656105	12,834	6	SH		OTR	0	6	0	0
Cisco Systems Inc	Com	17275R102	3,918,144	75,728	SH		SOLE	0	71,234	0	4,494
Cisco Systems Inc	Com	17275R102	2,526,982	48,840	SH		OTR	0	47,095	715	1,030
Citigroup Inc	Com	172967424	339,499	7,374	SH		SOLE	0	7,374	0	0
Citigroup Inc	Com	172967424	239,408	5,200	SH		OTR	0	5,050	150	0
Clorox Company	Com	189054109	650,951	4,093	SH		SOLE	0	4,093	0	0
Clorox Company	Com	189054109	295,814	1,860	SH		OTR	0	1,375	0	485
Coca Cola CO	Com	191216100	2,795,714	46,425	SH		SOLE	0	40,648	793	4,984
Coca Cola CO	Com	191216100	1,023,198	16,991	SH		OTR	0	12,036	150	4,805
Colgate Palmolive CO	Com	194162103	1,003,369	13,024	SH		SOLE	0	11,238	336	1,450
Colgate Palmolive CO	Com	194162103	295,063	3,830	SH		OTR	0	2,380	0	1,450
ComCast Corp-Cl A	Com	20030N101	923,366	22,223	SH		SOLE	0	20,113	0	2,110
ComCast Corp-Cl A	Com	20030N101	437,438	10,528	SH		OTR	0	8,545	810	1,173
Conocophillips	Com	20825C104	754,074	7,278	SH		SOLE	0	7,178	100	0
Conocophillips	Com	20825C104	157,694	1,522	SH		OTR	0	1,372	150	0
Corning Inc	Com	219350105	418,693	11,949	SH		SOLE	0	11,949	0	0
Corning Inc	Com	219350105	292,584	8,350	SH		OTR	0	5,600	900	1,850
Corteva Inc Com	Com	22052L104	114,829	2,004	SH		SOLE	0	1,913	0	91
Corteva Inc Com	Com	22052L104	429,521	7,496	SH		OTR	0	7,268	0	228
Costco Wholesale Corp	Com	22160K105	1,047,687	1,946	SH		SOLE	0	1,946	0	0
Costco Wholesale Corp	Com	22160K105	641,749	1,192	SH		OTR	0	702	0	490
DTE Energy Co	Com	233331107	295,294	2,684	SH		SOLE	0	2,684	0	0
Danaher Corp	Com	235851102	4,016,880	16,737	SH		SOLE	0	14,777	0	1,960
Danaher Corp	Com	235851102	2,476,800	10,320	SH		OTR	0	9,143	120	1,057
Deere & CO	Com	244199105	2,296,212	5,667	SH		SOLE	0	4,979	25	663
Deere & CO	Com	244199105	3,978,966	9,820	SH		OTR	0	9,750	70	0
Dicks Sporting Goods Inc	Com	253393102	553,803	4,189	SH		SOLE	0	3,461	0	728
Dicks Sporting Goods Inc	Com	253393102	77,596	587	SH		OTR	0	587	0	0
Digital Realty Trust Inc REIT	Com	253868103	206,560	1,814	SH		SOLE	0	1,814	0	0
Disney Walt CO New	Com	254687106	2,729,736	30,575	SH		SOLE	0	29,358	0	1,217
Disney Walt CO New	Com	254687106	1,792,207	20,074	SH		OTR	0	18,199	600	1,275
Dominion Resources Inc	Com	25746U109	724,024	13,980	SH		SOLE	0	13,670	0	310
Dominion Resources Inc	Com	25746U109	347,252	6,705	SH		OTR	0	4,325	80	2,300
Dow Inc Com	Com	260557103	701,967	13,180	SH		SOLE	0	13,089	0	91
Dow Inc Com	Com	260557103	1,018,278	19,119	SH		OTR	0	17,345	16	1,758
Duke Energy Corp	Com	26441C204	392,164	4,370	SH		SOLE	0	4,085	285	0
Duke Energy Corp	Com	26441C204	118,188	1,317	SH		OTR	0	1,217	100	0
Dupont De Nemours Inc	Com	26614N102	967,226	13,539	SH		SOLE	0	13,448	0	91
Dupont De Nemours Inc	Com	26614N102	901,501	12,619	SH		OTR	0	11,458	316	845
Ecolab Inc	Com	278865100	1,143,290	6,124	SH		SOLE	0	6,124	0	0
Ecolab Inc	Com	278865100	480,727	2,575	SH		OTR	0	2,085	40	450
Emerson Elec CO	Com	291011104	902,363	9,983	SH		SOLE	0	9,983	0	0
Emerson Elec CO	Com	291011104	315,461	3,490	SH		OTR	0	3,290	200	0
Exelon Corp	Com	30161N101	186,263	4,572	SH		SOLE	0	4,572	0	0
Exelon Corp	Com	30161N101	75,736	1,859	SH		OTR	0	1,509	0	350
Exxonmobil Corp	Com	30231G102	8,383,411	78,167	SH		SOLE	0	74,398	648	3,121
Exxonmobil Corp	Com	30231G102	6,723,610	62,691	SH		OTR	0	59,151	660	2,880
Meta Platforms Inc	Com	30303M102	1,376,643	4,797	SH		SOLE	0	4,797	0	0
Meta Platforms Inc	Com	30303M102	1,090,524	3,800	SH		OTR	0	3,800	0	0
Fedex Corporation	Com	31428X106	202,286	816	SH		SOLE	0	816	0	0
Fiserv Inc	Com	337738108	554,303	4,394	SH		SOLE	0	4,394	0	0
Fiserv Inc	Com	337738108	110,255	874	SH		OTR	0	874	0	0
FlexShares Mstar Glbl Upstrm N	Com	33939L407	41,490,682	1,035,455	SH		SOLE	0	1,031,474	0	3,981
FlexShares Mstar Glbl Upstrm N	Com	33939L407	3,667,206	91,520	SH		OTR	0	88,630	340	2,550
Flexshares Disciplined Duratio	Com	33939L779	324,223	15,905	SH		SOLE	0	15,905	0	0
FlexShares Global Quality Real	Com	33939L787	734,876	13,855	SH		SOLE	0	13,855	0	0
FlexShares Global Quality Real	Com	33939L787	1,061	20	SH		OTR	0	20	0	0
FlexShares STOXX Glbl Brd Infr	Com	33939L795	6,157,287	117,584	SH		SOLE	0	117,584	0	0
FlexShares STOXX Glbl Brd Infr	Com	33939L795	982,629	18,765	SH		OTR	0	18,525	0	240
FlexShares International Quali	Com	33939L837	690,263	31,135	SH		SOLE	0	31,135	0	0
Fortive Corp	Com	34959J108	289,136	3,867	SH		SOLE	0	3,567	0	300
Fortive Corp	Com	34959J108	132,642	1,774	SH		OTR	0	930	50	794
Freeport-McMoran Inc	Com	35671D857	200,600	5,015	SH		SOLE	0	5,015	0	0
Freeport-McMoran Inc	Com	35671D857	125,400	3,135	SH		OTR	0	1,410	0	1,725
General Dynamics Corp	Com	369550108	1,076,826	5,005	SH		SOLE	0	4,855	0	150
General Dynamics Corp	Com	369550108	192,559	895	SH		OTR	0	895	0	0
General Electric Co New	Com	369604301	677,006	6,163	SH		SOLE	0	5,809	0	354
General Electric Co New	Com	369604301	249,360	2,270	SH		OTR	0	2,261	0	9
General Mls Inc	Com	370334104	766,156	9,989	SH		SOLE	0	9,491	0	498
General Mls Inc	Com	370334104	436,040	5,685	SH		OTR	0	5,040	100	545
Genuine Parts CO	Com	372460105	220,337	1,302	SH		SOLE	0	1,302	0	0
Gilead Sciences Inc	Com	375558103	361,304	4,688	SH		SOLE	0	4,688	0	0
Gilead Sciences Inc	Com	375558103	132,946	1,725	SH		OTR	0	1,665	60	0
GSK PLC Sponsored ADR	Com	37733W204	231,232	6,488	SH		SOLE	0	6,488	0	0
GSK PLC Sponsored ADR	Com	37733W204	68,536	1,923	SH		OTR	0	1,323	0	600
Global X US Preferred ETF	Com	37954Y657	232,680	12,000	SH		OTR	0	12,000	0	0
Goldman Sachs Group Inc	Com	38141G104	1,165,660	3,614	SH		SOLE	0	3,594	20	0
Goldman Sachs Group Inc	Com	38141G104	1,267,260	3,929	SH		OTR	0	3,929	0	0
Grainger W W Inc	Com	384802104	2,460,401	3,120	SH		SOLE	0	3,120	0	0
Grainger W W Inc	Com	384802104	1,118,221	1,418	SH		OTR	0	734	100	584
The Hershey Company	Com	427866108	86,147	345	SH		SOLE	0	345	0	0
The Hershey Company	Com	427866108	187,275	750	SH		OTR	0	750	0	0
Home Depot Inc	Com	437076102	1,101,771	3,547	SH		SOLE	0	3,253	0	294
Home Depot Inc	Com	437076102	1,496,664	4,818	SH		OTR	0	3,818	150	850
Honeywell International Inc	Com	438516106	3,512,353	16,927	SH		SOLE	0	16,012	0	915
Honeywell International Inc	Com	438516106	1,299,365	6,262	SH		OTR	0	5,143	290	829
Illinois Tool Wks Inc	Com	452308109	644,162	2,575	SH		SOLE	0	2,575	0	0
Illinois Tool Wks Inc	Com	452308109	110,321	441	SH		OTR	0	441	0	0
Intel Corp	Com	458140100	2,550,001	76,256	SH		SOLE	0	73,853	903	1,500
Intel Corp	Com	458140100	763,034	22,818	SH		OTR	0	20,253	1,440	1,125
Intercontinental Exchange Inc	Com	45866F104	696,234	6,157	SH		SOLE	0	6,157	0	0
Intercontinental Exchange Inc	Com	45866F104	39,239	347	SH		OTR	0	347	0	0
Intl. Business Machines Corp	Com	459200101	2,514,783	18,794	SH		SOLE	0	16,676	430	1,688
Intl. Business Machines Corp	Com	459200101	2,129,185	15,912	SH		OTR	0	14,329	0	1,583
Invesco SP 500 Low Volatility	Com	46138E354	219,395	3,493	SH		SOLE	0	3,493	0	0
Ishares Barclays TIPS Bond ETF	Com	464287176	301,982	2,806	SH		SOLE	0	2,806	0	0
Ishares Core S&P 500 ETF	Com	464287200	255,392	573	SH		SOLE	0	573	0	0
Ishares Core Total U.S. Aggreg	Com	464287226	214,021	2,185	SH		SOLE	0	2,185	0	0
Ishares Msci Emerging Mkt ETF	Com	464287234	2,742,056	69,314	SH		SOLE	0	67,589	525	1,200
Ishares Msci Emerging Mkt ETF	Com	464287234	875,415	22,129	SH		OTR	0	21,193	561	375
Ishares S&P 500 Growth ETF	Com	464287309	501,465	7,115	SH		SOLE	0	7,115	0	0
Ishares S&P 500 Value ETF	Com	464287408	596,725	3,702	SH		SOLE	0	3,702	0	0
Ishares Barclays 7-10 Year Tr	Com	464287440	247,296	2,560	SH		SOLE	0	2,560	0	0
Ishares 1-3 Year Treasury ETF	Com	464287457	1,692,545	20,875	SH		SOLE	0	20,875	0	0
Ishares Msci Eafe ETF	Com	464287465	3,670,377	50,626	SH		SOLE	0	47,743	0	2,883
Ishares Msci Eafe ETF	Com	464287465	1,156,738	15,955	SH		OTR	0	15,680	200	75
Ishares Core S&P Mid-Cap ETF	Com	464287507	1,598,166	6,112	SH		SOLE	0	6,112	0	0
Ishares Core S&P Mid-Cap ETF	Com	464287507	635,658	2,431	SH		OTR	0	2,286	0	145
Ishares Nasdaq Biotech ETF	Com	464287556	2,515,497	19,813	SH		SOLE	0	19,021	96	696
Ishares Nasdaq Biotech ETF	Com	464287556	1,541,167	12,139	SH		OTR	0	10,002	540	1,597
Ishares Tr Rus 1000 Val ETF	Com	464287598	217,016	1,375	SH		SOLE	0	1,375	0	0
Ishares S&P Midcap 400/Grwth E	Com	464287606	285,450	3,806	SH		SOLE	0	3,806	0	0
Ishares Russell 1000 Growth ET	Com	464287614	300,497	1,092	SH		SOLE	0	1,092	0	0
IShares Russell 1000 ETF	Com	464287622	227,897	935	SH		SOLE	0	935	0	0
Ishares Russell 2000 Value ETF	Com	464287630	312,154	2,217	SH		SOLE	0	2,217	0	0
Ishares Russell 2000 Value ETF	Com	464287630	23,232	165	SH		OTR	0	0	165	0
Ishares Russell 2000 ETF	Com	464287655	5,244,510	28,006	SH		SOLE	0	26,324	0	1,682
Ishares Russell 2000 ETF	Com	464287655	775,391	4,141	SH		OTR	0	4,006	100	35
Ishares DJ US Telcom Sector ET	Com	464287713	579,329	26,214	SH		SOLE	0	26,214	0	0
Ishares DJ US Telcom Sector ET	Com	464287713	571,440	25,857	SH		OTR	0	25,657	200	0
Ishares Core S&P Small-Cap ETF	Com	464287804	508,016	5,098	SH		SOLE	0	5,098	0	0
Ishares Msci Eafe Small Cap ET	Com	464288273	2,606,798	44,198	SH		SOLE	0	44,188	0	10
Ishares Msci Eafe Small Cap ET	Com	464288273	472,430	8,010	SH		OTR	0	8,010	0	0
Ishares New York Muni Bond ETF	Com	464288323	2,692,559	50,555	SH		SOLE	0	50,555	0	0
Ishares New York Muni Bond ETF	Com	464288323	6,374,157	119,680	SH		OTR	0	119,680	0	0
Ishares IBoxx High Yield Corpo	Com	464288513	2,334,001	31,091	SH		SOLE	0	31,091	0	0
Ishares IBoxx High Yield Corpo	Com	464288513	128,370	1,710	SH		OTR	0	1,710	0	0
Ishares Barclays Mbs Bond ETF	Com	464288588	662,182	7,100	SH		SOLE	0	7,100	0	0
iShares Tr Intrm Gov Cr ETF	Com	464288612	696,839	6,772	SH		SOLE	0	6,772	0	0
iShares TR 1-5 Yr Inv Gr Corp	Com	464288646	514,895	10,263	SH		SOLE	0	10,263	0	0
Ishares 3-7 Year Treasury Bond	Com	464288661	1,041,950	9,040	SH		SOLE	0	9,040	0	0
Ishares S&P Pref Stk ETF	Com	464288687	1,797,466	58,114	SH		SOLE	0	58,114	0	0
Ishares S&P Pref Stk ETF	Com	464288687	266,586	8,619	SH		OTR	0	5,439	0	3,180
iShares MSCI USA ESG Select ET	Com	464288802	535,059	5,714	SH		SOLE	0	5,714	0	0
Ishares MSCI EAFE Growth ETF	Com	464288885	19,027,740	199,431	SH		SOLE	0	197,603	0	1,828
Ishares MSCI EAFE Growth ETF	Com	464288885	3,918,937	41,075	SH		OTR	0	40,995	0	80
IShares Russell Top 200 Growth	Com	464289438	274,309	1,730	SH		SOLE	0	1,730	0	0
Ishares Tr 10 Yr Invst Grd	Com	464289511	319,868	6,205	SH		SOLE	0	6,205	0	0
Ishares Aaa-A Rated Corp Bond	Com	46429B291	288,034	6,105	SH		SOLE	0	6,105	0	0
iShares Core High Dividend ETF	Com	46429B663	923,841	9,166	SH		SOLE	0	9,166	0	0
IShares 0-5 Yr TIPs ETF	Com	46429B747	4,093,832	41,945	SH		SOLE	0	41,945	0	0
IShares 0-5 Yr TIPs ETF	Com	46429B747	442,128	4,530	SH		OTR	0	4,530	0	0
Ishares Core Msci Eafe ETF	Com	46432F842	7,292,025	108,030	SH		SOLE	0	107,975	0	55
Ishares Core Msci Eafe ETF	Com	46432F842	1,302,750	19,300	SH		OTR	0	19,300	0	0
Ishares Core Emerging Markets	Com	46434G103	3,014,281	61,154	SH		SOLE	0	61,154	0	0
Ishares Core Emerging Markets	Com	46434G103	822,749	16,692	SH		OTR	0	16,692	0	0
IShares Edge Intl Quality Fact	Com	46434V456	88,466	2,485	SH		SOLE	0	2,485	0	0
IShares Edge Intl Quality Fact	Com	46434V456	315,060	8,850	SH		OTR	0	8,850	0	0
IShares Core Intnl Agg Bond ET	Com	46435G672	558,308	11,327	SH		SOLE	0	11,327	0	0
IShares Core Intnl Agg Bond ET	Com	46435G672	61,120	1,240	SH		OTR	0	1,240	0	0
JP Morgan Chase & CO	Com	46625H100	8,408,906	57,817	SH		SOLE	0	56,042	112	1,663
JP Morgan Chase & CO	Com	46625H100	5,827,781	40,070	SH		OTR	0	34,920	571	4,579
JPMorgan Municipal ETF	Com	46641Q647	1,283,377	25,550	SH		SOLE	0	25,550	0	0
JPMorgan Municipal ETF	Com	46641Q647	399,077	7,945	SH		OTR	0	7,945	0	0
JPMorgan Ultra-Short Income ET	Com	46641Q837	330,423	6,590	SH		SOLE	0	6,590	0	0
JPMorgan Ultra-Short Income ET	Com	46641Q837	261,430	5,214	SH		OTR	0	5,214	0	0
Jacobs Solutions Inc	Com	46982L108	353,698	2,975	SH		OTR	0	1,075	0	1,900
Johnson & Johnson	Com	478160104	8,890,741	53,714	SH		SOLE	0	48,319	150	5,245
Johnson & Johnson	Com	478160104	4,543,690	27,451	SH		OTR	0	23,828	260	3,363
Kimberly Clark Corp	Com	494368103	548,512	3,973	SH		SOLE	0	3,973	0	0
Kimberly Clark Corp	Com	494368103	55,224	400	SH		OTR	0	400	0	0
Kraft Heinz CO	Com	500754106	184,139	5,187	SH		SOLE	0	5,187	0	0
Kraft Heinz CO	Com	500754106	251,376	7,081	SH		OTR	0	7,081	0	0
Lauder Estee Cos Cl-A	Com	518439104	169,280	862	SH		SOLE	0	862	0	0
Lauder Estee Cos Cl-A	Com	518439104	94,852	483	SH		OTR	0	483	0	0
Lilly Eli & CO	Com	532457108	654,696	1,396	SH		SOLE	0	868	0	528
Lilly Eli & CO	Com	532457108	2,853,743	6,085	SH		OTR	0	5,035	25	1,025
Lockheed Martin Corp	Com	539830109	3,310,172	7,190	SH		SOLE	0	6,639	0	551
Lockheed Martin Corp	Com	539830109	713,589	1,550	SH		OTR	0	1,550	0	0
Lowes Cos Inc	Com	548661107	8,030,632	35,581	SH		SOLE	0	35,051	25	505
Lowes Cos Inc	Com	548661107	4,836,977	21,431	SH		OTR	0	20,507	315	609
Marsh & McLennan Companies Inc	Com	571748102	307,511	1,635	SH		SOLE	0	1,635	0	0
Marsh & McLennan Companies Inc	Com	571748102	62,066	330	SH		OTR	0	330	0	0
Marriott International Inc	Com	571903202	316,498	1,723	SH		SOLE	0	1,723	0	0
Mastercard Inc Cl A	Com	57636Q104	410,605	1,044	SH		SOLE	0	1,044	0	0
Mastercard Inc Cl A	Com	57636Q104	124,283	316	SH		OTR	0	316	0	0
McDonalds Corp	Com	580135101	8,342,947	27,958	SH		SOLE	0	27,728	75	155
McDonalds Corp	Com	580135101	4,506,289	15,101	SH		OTR	0	14,288	238	575
Merck & CO Inc	Com	58933Y105	4,496,287	38,966	SH		SOLE	0	37,546	620	800
Merck & CO Inc	Com	58933Y105	1,994,285	17,283	SH		OTR	0	16,167	291	825
Metlife Inc	Com	59156R108	361,453	6,394	SH		SOLE	0	6,394	0	0
Metlife Inc	Com	59156R108	91,070	1,611	SH		OTR	0	1,300	111	200
Microsoft Corp	Com	594918104	20,666,692	60,688	SH		SOLE	0	57,480	180	3,028
Microsoft Corp	Com	594918104	10,754,253	31,580	SH		OTR	0	29,588	611	1,381
Microchip Technology Inc	Com	595017104	2,580,282	28,801	SH		SOLE	0	28,801	0	0
Microchip Technology Inc	Com	595017104	762,411	8,510	SH		OTR	0	7,460	300	750
Mondelez International Inc	Com	609207105	700,151	9,599	SH		SOLE	0	9,185	0	414
Mondelez International Inc	Com	609207105	1,371,418	18,802	SH		OTR	0	18,802	0	0
Morgan Stanley	Com	617446448	254,663	2,982	SH		SOLE	0	2,982	0	0
NBT Bancorp Inc	Com	628778102	5,234,006	164,333	SH		SOLE	0	0	0	164,333
NBT Bancorp Inc	Com	628778102	768,161	24,118	SH		OTR	0	16,508	0	7,610
Netflix Inc	Com	64110L106	302,617	687	SH		SOLE	0	687	0	0
Nextera Energy Inc	Com	65339F101	2,089,695	28,163	SH		SOLE	0	26,363	0	1,800
Nextera Energy Inc	Com	65339F101	1,512,715	20,387	SH		OTR	0	10,644	120	9,623
Nike Inc-Class B	Com	654106103	1,918,672	17,384	SH		SOLE	0	17,384	0	0
Nike Inc-Class B	Com	654106103	546,000	4,947	SH		OTR	0	4,947	0	0
Norfolk Southern Corp	Com	655844108	520,641	2,296	SH		SOLE	0	2,296	0	0
Norfolk Southern Corp	Com	655844108	692,979	3,056	SH		OTR	0	2,756	0	300
Novartis Ag Spons ADR	Com	66987V109	1,220,305	12,093	SH		SOLE	0	11,943	0	150
Novartis Ag Spons ADR	Com	66987V109	809,702	8,024	SH		OTR	0	7,924	100	0
Nucor Corp	Com	670346105	1,090,631	6,651	SH		SOLE	0	6,651	0	0
Nucor Corp	Com	670346105	188,577	1,150	SH		OTR	0	1,150	0	0
Nvidia Corp	Com	67066G104	1,858,513	4,393	SH		SOLE	0	4,017	0	376
Nvidia Corp	Com	67066G104	208,972	494	SH		OTR	0	494	0	0
O'Reilly Automotive Inc	Com	67103H107	465,231	487	SH		SOLE	0	487	0	0
Oracle Corporation	Com	68389X105	3,815,167	32,036	SH		SOLE	0	30,536	0	1,500
Oracle Corporation	Com	68389X105	1,142,907	9,597	SH		OTR	0	6,827	70	2,700
Otis Worldwide Corp	Com	68902V107	596,367	6,700	SH		SOLE	0	6,303	50	347
Otis Worldwide Corp	Com	68902V107	520,887	5,852	SH		OTR	0	5,219	533	100
Palo Alto Networks	Com	697435105	1,200,386	4,698	SH		SOLE	0	4,698	0	0
Palo Alto Networks	Com	697435105	875,122	3,425	SH		OTR	0	3,425	0	0
Paypal Holdings Inc	Com	70450Y103	132,793	1,990	SH		SOLE	0	1,330	0	660
Paypal Holdings Inc	Com	70450Y103	167,492	2,510	SH		OTR	0	660	0	1,850
Pepsico Inc	Com	713448108	7,376,387	39,825	SH		SOLE	0	39,162	90	573
Pepsico Inc	Com	713448108	2,960,556	15,984	SH		OTR	0	14,850	324	810
Pfizer Inc	Com	717081103	3,763,331	102,599	SH		SOLE	0	98,078	0	4,521
Pfizer Inc	Com	717081103	1,759,283	47,963	SH		OTR	0	44,380	994	2,589
Philip Morris International	Com	718172109	826,158	8,463	SH		SOLE	0	7,788	0	675
Philip Morris International	Com	718172109	2,307,346	23,636	SH		OTR	0	23,636	0	0
T Rowe Price Group Inc	Com	74144T108	2,260,228	20,177	SH		SOLE	0	20,127	50	0
T Rowe Price Group Inc	Com	74144T108	1,409,660	12,584	SH		OTR	0	12,104	295	185
Procter & Gamble CO	Com	742718109	8,701,227	57,343	SH		SOLE	0	52,625	331	4,387
Procter & Gamble CO	Com	742718109	4,746,731	31,282	SH		OTR	0	27,002	380	3,900
Prudential Finl Inc	Com	744320102	1,208,526	13,699	SH		SOLE	0	13,649	50	0
Prudential Finl Inc	Com	744320102	1,177,913	13,352	SH		OTR	0	13,002	150	200
Public Service Enterprise Grou	Com	744573106	95,292	1,522	SH		SOLE	0	1,522	0	0
Public Service Enterprise Grou	Com	744573106	159,656	2,550	SH		OTR	0	2,550	0	0
Qualcomm Inc	Com	747525103	2,963,620	24,896	SH		SOLE	0	24,471	0	425
Qualcomm Inc	Com	747525103	1,518,950	12,760	SH		OTR	0	12,035	225	500
Quanta Services Incorporated	Com	74762E102	858,094	4,368	SH		OTR	0	868	0	3,500
RTX CORPORATION	Com	75513E101	3,567,507	36,418	SH		SOLE	0	35,448	100	870
RTX CORPORATION	Com	75513E101	2,411,383	24,616	SH		OTR	0	22,225	1,186	1,205
Rockwell Automation Inc	Com	773903109	174,609	530	SH		SOLE	0	530	0	0
Rockwell Automation Inc	Com	773903109	49,418	150	SH		OTR	0	150	0	0
Shell PLC Spon ADS	Com	780259305	6,038	100	SH		SOLE	0	100	0	0
Shell PLC Spon ADS	Com	780259305	588,705	9,750	SH		OTR	0	5,150	0	4,600
S&P Global Inc	Com	78409V104	210,467	525	SH		SOLE	0	525	0	0
S&P Global Inc	Com	78409V104	601,335	1,500	SH		OTR	0	0	0	1,500
SPDR S&P 500 ETF Trust	Com	78462F103	5,802,916	13,091	SH		SOLE	0	12,515	0	576
SPDR S&P 500 ETF Trust	Com	78462F103	1,257,142	2,836	SH		OTR	0	2,516	160	160
SPDR Gold Trust	Com	78463V107	353,509	1,983	SH		SOLE	0	1,916	0	67
SPDR Gold Trust	Com	78463V107	206,793	1,160	SH		OTR	0	1,160	0	0
SPDR Portfolio Emerging Market	Com	78463X509	244,029	7,098	SH		SOLE	0	7,098	0	0
SPDR Portfolio Emerging Market	Com	78463X509	36,443	1,060	SH		OTR	0	1,060	0	0
SPDR Portfolio Developed Wld e	Com	78463X889	2,577,461	79,209	SH		SOLE	0	79,209	0	0
SPDR Portfolio Developed Wld e	Com	78463X889	646,309	19,862	SH		OTR	0	19,862	0	0
SPDR Preferred Stock ETF	Com	78464A292	437,286	13,065	SH		SOLE	0	13,065	0	0
SPDR Portfolio Intermediate Te	Com	78464A375	639,278	19,909	SH		SOLE	0	19,909	0	0
SPDR Portfolio Short Term Corp	Com	78464A474	1,151,693	39,120	SH		SOLE	0	39,120	0	0
SPDR S&P Regional Banking ETF	Com	78464A698	1,208,912	29,608	SH		SOLE	0	28,654	0	954
SPDR S&P Regional Banking ETF	Com	78464A698	883,520	21,639	SH		OTR	0	21,439	100	100
SPDR S&P Dividend ETF	Com	78464A763	10,960,981	89,419	SH		SOLE	0	89,419	0	0
SPDR S&P Dividend ETF	Com	78464A763	937,737	7,650	SH		OTR	0	7,650	0	0
SPDR Dow Jones Industrial Aver	Com	78467X109	1,075,219	3,127	SH		SOLE	0	3,127	0	0
SPDR Dow Jones Industrial Aver	Com	78467X109	312,904	910	SH		OTR	0	810	0	100
Midcap SPDR Trust Series 1	Com	78467Y107	7,767,222	16,219	SH		SOLE	0	15,229	0	990
Midcap SPDR Trust Series 1	Com	78467Y107	887,755	1,854	SH		OTR	0	1,772	50	32
Salesforce Inc	Com	79466L302	1,808,808	8,562	SH		SOLE	0	8,469	0	93
Salesforce Inc	Com	79466L302	1,254,251	5,937	SH		OTR	0	5,937	0	0
Schlumberger Ltd	Com	806857108	1,266,805	25,790	SH		SOLE	0	24,975	0	815
Schlumberger Ltd	Com	806857108	725,453	14,769	SH		OTR	0	14,479	290	0
Charles Schwab Corp	Com	808513105	229,327	4,046	SH		SOLE	0	4,046	0	0
Charles Schwab Corp	Com	808513105	206,032	3,635	SH		OTR	0	3,635	0	0
Schwab US Small Cap ETF	Com	808524607	1,945,027	44,407	SH		SOLE	0	44,407	0	0
Schwab US Small Cap ETF	Com	808524607	332,486	7,591	SH		OTR	0	7,591	0	0
Schwab Fundamental Intl Lg Co	Com	808524755	275,757	8,540	SH		SOLE	0	8,540	0	0
Schwab US Dividend Equity ETF	Com	808524797	6,876,025	94,685	SH		SOLE	0	93,637	0	1,048
Schwab US Dividend Equity ETF	Com	808524797	1,096,272	15,096	SH		OTR	0	15,096	0	0
Schwab International Equity ET	Com	808524805	2,870,538	80,520	SH		SOLE	0	80,520	0	0
Schwab International Equity ET	Com	808524805	805,833	22,604	SH		OTR	0	21,939	0	665
Schwab US Aggregate Bd ETF	Com	808524839	1,112,964	24,111	SH		SOLE	0	24,111	0	0
Schwab US Aggregate Bd ETF	Com	808524839	586,647	12,709	SH		OTR	0	12,709	0	0
Schwab US TIPs ETF	Com	808524870	161,222	3,075	SH		SOLE	0	3,075	0	0
Schwab US TIPs ETF	Com	808524870	41,053	783	SH		OTR	0	783	0	0
Materials Select SPDR Fund	Com	81369Y100	1,626,297	19,625	SH		SOLE	0	17,593	0	2,032
Materials Select SPDR Fund	Com	81369Y100	792,237	9,560	SH		OTR	0	8,800	315	445
Health Care Select Sector SPDR	Com	81369Y209	1,149,824	8,663	SH		SOLE	0	8,140	0	523
Health Care Select Sector SPDR	Com	81369Y209	139,234	1,049	SH		OTR	0	1,049	0	0
Consumer Staples Select Sector	Com	81369Y308	571,334	7,703	SH		SOLE	0	6,377	0	1,326
Consumer Staples Select Sector	Com	81369Y308	199,369	2,688	SH		OTR	0	2,203	305	180
Consumer Discretionary Selt	Com	81369Y407	1,509,101	8,887	SH		SOLE	0	7,057	0	1,830
Consumer Discretionary Selt	Com	81369Y407	246,225	1,450	SH		OTR	0	985	355	110
Energy Select Sector SPDR	Com	81369Y506	930,200	11,460	SH		SOLE	0	10,074	0	1,386
Energy Select Sector SPDR	Com	81369Y506	208,850	2,573	SH		OTR	0	2,353	80	140
Financial Select Sector SPDR	Com	81369Y605	1,017,671	30,189	SH		SOLE	0	27,500	0	2,689
Financial Select Sector SPDR	Com	81369Y605	119,974	3,559	SH		OTR	0	3,359	200	0
Industrial Select Sector SPDR	Com	81369Y704	1,059,757	9,875	SH		SOLE	0	9,618	0	257
Industrial Select Sector SPDR	Com	81369Y704	226,338	2,109	SH		OTR	0	2,019	0	90
Technology Select Sect SPDR	Com	81369Y803	2,680,921	15,420	SH		SOLE	0	15,159	162	99
Technology Select Sect SPDR	Com	81369Y803	500,543	2,879	SH		OTR	0	2,729	150	0
Real Estate Select Sect SPDR	Com	81369Y860	841,995	22,340	SH		SOLE	0	20,222	105	2,013
Real Estate Select Sect SPDR	Com	81369Y860	1,314,439	34,875	SH		OTR	0	34,704	46	125
Utilities Select Sector SPDR	Com	81369Y886	1,804,050	27,568	SH		SOLE	0	23,405	0	4,163
Utilities Select Sector SPDR	Com	81369Y886	1,123,932	17,175	SH		OTR	0	16,085	620	470
Simon Ppty Group Inc	Com	828806109	8,430	73	SH		SOLE	0	73	0	0
Simon Ppty Group Inc	Com	828806109	207,864	1,800	SH		OTR	0	1,800	0	0
Southern Company	Com	842587107	1,167,696	16,622	SH		SOLE	0	16,622	0	0
Southern Company	Com	842587107	609,349	8,674	SH		OTR	0	8,674	0	0
Starbucks Corp	Com	855244109	140,269	1,416	SH		SOLE	0	1,416	0	0
Starbucks Corp	Com	855244109	491,338	4,960	SH		OTR	0	4,960	0	0
State Street Corp	Com	857477103	188,219	2,572	SH		SOLE	0	2,572	0	0
State Street Corp	Com	857477103	42,079	575	SH		OTR	0	575	0	0
Stryker Corporation	Com	863667101	283,734	930	SH		SOLE	0	930	0	0
Sysco Corp	Com	871829107	533,869	7,195	SH		SOLE	0	7,195	0	0
Sysco Corp	Com	871829107	316,166	4,261	SH		OTR	0	4,261	0	0
TJX Cos Inc	Com	872540109	2,966,633	34,988	SH		SOLE	0	33,388	300	1,300
TJX Cos Inc	Com	872540109	2,759,999	32,551	SH		OTR	0	31,742	455	354
Target Corp	Com	87612E106	2,151,879	16,314	SH		SOLE	0	15,735	0	579
Target Corp	Com	87612E106	1,822,858	13,820	SH		OTR	0	11,055	165	2,600
Texas Instruments Inc	Com	882508104	309,454	1,719	SH		SOLE	0	1,719	0	0
Texas Instruments Inc	Com	882508104	119,173	662	SH		OTR	0	530	0	132
Thermo Fisher Scientific Inc	Com	883556102	63,132	121	SH		SOLE	0	121	0	0
Thermo Fisher Scientific Inc	Com	883556102	469,575	900	SH		OTR	0	0	0	900
3m CO	Com	88579Y101	949,884	9,490	SH		SOLE	0	8,448	330	712
3m CO	Com	88579Y101	266,239	2,660	SH		OTR	0	2,025	265	370
Truist Financial Corporation	Com	89832Q109	264,294	8,708	SH		SOLE	0	8,414	0	294
Truist Financial Corporation	Com	89832Q109	112,507	3,707	SH		OTR	0	3,707	0	0
US Bancorp New	Com	902973304	502,803	15,218	SH		SOLE	0	15,218	0	0
US Bancorp New	Com	902973304	174,517	5,282	SH		OTR	0	4,511	555	216
Union Pac Corp	Com	907818108	3,494,091	17,076	SH		SOLE	0	16,168	0	908
Union Pac Corp	Com	907818108	3,403,854	16,635	SH		OTR	0	15,005	50	1,580
United Parcel Service Cl B	Com	911312106	743,708	4,149	SH		SOLE	0	4,149	0	0
United Parcel Service Cl B	Com	911312106	295,583	1,649	SH		OTR	0	1,614	35	0
Unitedhealth Group Inc	Com	91324P102	3,263,546	6,790	SH		SOLE	0	6,590	0	200
Unitedhealth Group Inc	Com	91324P102	1,876,419	3,904	SH		OTR	0	3,760	74	70
Vaneck ETF Trust Agribusiness	Com	92189F700	908,385	11,114	SH		SOLE	0	10,284	50	780
Vaneck ETF Trust Agribusiness	Com	92189F700	899,520	11,006	SH		OTR	0	10,781	125	100
Vanguard Dividend Appreciation	Com	921908844	134,005	825	SH		SOLE	0	825	0	0
Vanguard Dividend Appreciation	Com	921908844	162,430	1,000	SH		OTR	0	1,000	0	0
Vanguard Total Intl Stock Et	Com	921909768	15,702	280	SH		SOLE	0	280	0	0
Vanguard Total Intl Stock Et	Com	921909768	282,924	5,045	SH		OTR	0	5,045	0	0
Vanguard Intermediate-Term Bon	Com	921937819	355,086	4,720	SH		SOLE	0	4,720	0	0
Vanguard Intermediate-Term Bon	Com	921937819	110,964	1,475	SH		OTR	0	1,475	0	0
Vanguard Short Term Bond ETF	Com	921937827	870,566	11,520	SH		SOLE	0	11,520	0	0
Vanguard Total Bond Market ETF	Com	921937835	450,169	6,193	SH		SOLE	0	6,193	0	0
Vanguard Total Bond Market ETF	Com	921937835	121,756	1,675	SH		OTR	0	1,675	0	0
Vanguard FTSE Developed Market	Com	921943858	126,995	2,750	SH		SOLE	0	2,750	0	0
Vanguard FTSE Developed Market	Com	921943858	158,167	3,425	SH		OTR	0	3,425	0	0
Vanguard High Dividend Yield E	Com	921946406	258,493	2,437	SH		SOLE	0	2,437	0	0
Vanguard High Dividend Yield E	Com	921946406	65,763	620	SH		OTR	0	620	0	0
Vanguard Ftse All-World Ex-USI	Com	922042775	488,003	8,969	SH		SOLE	0	8,969	0	0
Vanguard Ftse Emerging Markets	Com	922042858	1,342,033	32,990	SH		SOLE	0	32,990	0	0
Vanguard Ftse Emerging Markets	Com	922042858	254,453	6,255	SH		OTR	0	5,755	0	500
Vanguard Inter Term Corp Bond	Com	92206C870	957,132	12,111	SH		SOLE	0	12,111	0	0
Vanguard Inter Term Corp Bond	Com	92206C870	884,188	11,188	SH		OTR	0	11,188	0	0
Vanguard S&P 500 ETF	Com	922908363	2,006,669	4,927	SH		SOLE	0	4,740	0	187
Vanguard Mid-Cap Value Index F	Com	922908512	450,565	3,256	SH		SOLE	0	3,256	0	0
Vanguard Mid-Cap Value Index F	Com	922908512	24,908	180	SH		OTR	0	180	0	0
Vanguard Real Estate ETF	Com	922908553	917,155	10,976	SH		SOLE	0	10,976	0	0
Vanguard Real Estate ETF	Com	922908553	448,299	5,365	SH		OTR	0	5,070	295	0
Vanguard Index Fund Mid-Cap	Com	922908629	292,593	1,329	SH		SOLE	0	1,329	0	0
Vanguard Index Fund Mid-Cap	Com	922908629	84,762	385	SH		OTR	0	385	0	0
Vanguard Value ETF	Com	922908744	60,535	426	SH		SOLE	0	426	0	0
Vanguard Value ETF	Com	922908744	412,090	2,900	SH		OTR	0	2,900	0	0
Verizon Communications	Com	92343V104	1,849,570	49,733	SH		SOLE	0	46,902	830	2,001
Verizon Communications	Com	92343V104	1,179,890	31,726	SH		OTR	0	28,630	225	2,871
Visa Inc Cl A	Com	92826C839	2,087,449	8,790	SH		SOLE	0	8,790	0	0
Visa Inc Cl A	Com	92826C839	1,619,614	6,820	SH		OTR	0	6,720	100	0
Wal Mart Inc	Com	931142103	2,303,944	14,658	SH		SOLE	0	14,258	0	400
Wal Mart Inc	Com	931142103	2,120,515	13,491	SH		OTR	0	11,875	350	1,266
Waste Management Inc	Com	94106L109	63,125	364	SH		SOLE	0	364	0	0
Waste Management Inc	Com	94106L109	256,662	1,480	SH		OTR	0	1,250	0	230
Wells Fargo & CO	Com	949746101	1,196,535	28,035	SH		SOLE	0	27,253	0	782
Wells Fargo & CO	Com	949746101	417,197	9,775	SH		OTR	0	6,990	600	2,185
WisdomTree MidCap Dividend ETF	Com	97717W505	2,039,467	48,501	SH		SOLE	0	47,825	0	676
WisdomTree MidCap Dividend ETF	Com	97717W505	250,786	5,964	SH		OTR	0	2,954	0	3,010
WisdomTree SmallCap Dividend E	Com	97717W604	690,240	23,975	SH		SOLE	0	23,854	0	121
WisdomTree SmallCap Dividend E	Com	97717W604	22,226	772	SH		OTR	0	772	0	0
Xylem Inc	Com	98419M100	380,205	3,376	SH		SOLE	0	3,376	0	0
Xylem Inc	Com	98419M100	95,727	850	SH		OTR	0	850	0	0
Yum! Brands Inc	Com	988498101	291,094	2,101	SH		SOLE	0	2,101	0	0
Yum! Brands Inc	Com	988498101	55,420	400	SH		OTR	0	400	0	0
Zimmer Biomet Holdings Inc	Com	98956P102	515,570	3,541	SH		SOLE	0	3,291	60	190
Zimmer Biomet Holdings Inc	Com	98956P102	365,893	2,513	SH		OTR	0	2,088	100	325
Deutsche Bank Ag ADR	Com	D18190898	104,904	10,000	SH		SOLE	0	10,000	0	0
Eaton Corp PLC	Com	G29183103	1,167,184	5,804	SH		SOLE	0	5,804	0	0
Eaton Corp PLC	Com	G29183103	843,413	4,194	SH		OTR	0	3,119	0	1,075
Linde PLC	Com	G54950103	2,042,208	5,359	SH		SOLE	0	5,359	0	0
Linde PLC	Com	G54950103	1,160,008	3,044	SH		OTR	0	2,119	0	925
Medtronic PLC	Com	G5960L103	827,700	9,395	SH		SOLE	0	9,395	0	0
Medtronic PLC	Com	G5960L103	822,502	9,336	SH		OTR	0	8,765	71	500