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	919,314	61,206	SH		SOLE	0	59,166	435	1,605
AT&T Inc	Com	00206R102	722,402	48,096	SH		OTR	0	42,784	400	4,912
Abbott Labs	Com	002824100	7,631,102	78,793	SH		SOLE	0	77,418	0	1,375
Abbott Labs	Com	002824100	3,626,742	37,447	SH		OTR	0	35,936	576	935
Abbvie Inc	Com	00287Y109	5,934,824	39,815	SH		SOLE	0	39,465	0	350
Abbvie Inc	Com	00287Y109	3,749,008	25,151	SH		OTR	0	23,626	295	1,230
Activision Blizzard, Inc	Com	00507V109	800,443	8,549	SH		SOLE	0	8,549	0	0
Activision Blizzard, Inc	Com	00507V109	597,828	6,385	SH		OTR	0	6,385	0	0
Adobe Inc	Com	00724F101	1,346,136	2,640	SH		SOLE	0	2,640	0	0
Adobe Inc	Com	00724F101	649,103	1,273	SH		OTR	0	1,241	0	32
Air Products & Chemicals Inc	Com	009158106	3,492,905	12,325	SH		SOLE	0	12,205	0	120
Air Products & Chemicals Inc	Com	009158106	659,188	2,326	SH		OTR	0	2,326	0	0
Alphabet Inc Cl C	Com	02079K107	8,048,749	61,045	SH		SOLE	0	58,982	0	2,063
Alphabet Inc Cl C	Com	02079K107	12,458,375	94,489	SH		OTR	0	91,889	0	2,600
Alphabet Inc Cl A	Com	02079K305	12,779,002	97,654	SH		SOLE	0	96,060	0	1,594
Alphabet Inc Cl A	Com	02079K305	19,881,429	151,929	SH		OTR	0	149,629	0	2,300
Altria Group Inc	Com	02209S103	870,393	20,699	SH		SOLE	0	19,924	0	775
Altria Group Inc	Com	02209S103	1,358,930	32,317	SH		OTR	0	31,617	0	700
Amazon.Com Inc	Com	023135106	6,787,318	53,393	SH		SOLE	0	52,737	0	656
Amazon.Com Inc	Com	023135106	10,647,825	83,762	SH		OTR	0	83,062	0	700
American Express CO	Com	025816109	2,458,054	16,476	SH		SOLE	0	16,326	0	150
American Express CO	Com	025816109	404,454	2,711	SH		OTR	0	2,425	0	286
American Tower Corp REIT	Com	03027X100	149,978	912	SH		SOLE	0	912	0	0
American Tower Corp REIT	Com	03027X100	73,180	445	SH		OTR	0	445	0	0
American Water Works CO Inc	Com	030420103	978,009	7,898	SH		SOLE	0	7,898	0	0
American Water Works CO Inc	Com	030420103	656,918	5,305	SH		OTR	0	3,775	100	1,430
Amgen Inc	Com	031162100	759,784	2,827	SH		SOLE	0	2,827	0	0
Amgen Inc	Com	031162100	389,702	1,450	SH		OTR	0	1,450	0	0
Amplify CWP Enhanced Dividend	Com	032108409	613,540	17,666	SH		SOLE	0	17,666	0	0
Amplify CWP Enhanced Dividend	Com	032108409	173,650	5,000	SH		OTR	0	5,000	0	0
APA Corporation	Com	03743Q108	350,378	8,525	SH		SOLE	0	8,525	0	0
APA Corporation	Com	03743Q108	32,880	800	SH		OTR	0	800	0	0
Apple Inc	Com	037833100	36,869,655	215,348	SH		SOLE	0	202,458	287	12,603
Apple Inc	Com	037833100	18,760,165	109,574	SH		OTR	0	102,278	1,961	5,335
Arrow Finl Corp	Com	042744102	107,498	6,316	SH		SOLE	0	0	0	6,316
Arrow Finl Corp	Com	042744102	92,982	5,463	SH		OTR	0	5,463	0	0
Autoliv Inc	Com	052800109	905,754	9,388	SH		SOLE	0	8,344	0	1,044
Autoliv Inc	Com	052800109	1,036,774	10,746	SH		OTR	0	10,746	0	0
Automatic Data Processing Inc	Com	053015103	9,577,009	39,808	SH		SOLE	0	39,095	0	713
Automatic Data Processing Inc	Com	053015103	1,928,248	8,015	SH		OTR	0	7,415	120	480
BP PLC Spons ADR	Com	055622104	137,998	3,564	SH		SOLE	0	3,564	0	0
BP PLC Spons ADR	Com	055622104	258,069	6,665	SH		OTR	0	6,665	0	0
Bank of America Corp	Com	060505104	1,182,597	43,192	SH		SOLE	0	42,544	0	648
Bank of America Corp	Com	060505104	147,031	5,370	SH		OTR	0	5,370	0	0
Bank Montreal Quebec	Com	063671101	241,889	2,867	SH		SOLE	0	2,867	0	0
Bank Montreal Quebec	Com	063671101	63,952	758	SH		OTR	0	758	0	0
Bank of New York Mellon Corp	Com	064058100	419,463	9,835	SH		SOLE	0	9,835	0	0
Bank of New York Mellon Corp	Com	064058100	21,325	500	SH		OTR	0	0	0	500
Baxter Intl Inc	Com	071813109	210,250	5,571	SH		SOLE	0	5,571	0	0
Baxter Intl Inc	Com	071813109	120,579	3,195	SH		OTR	0	1,095	100	2,000
Becton Dickinson	Com	075887109	703,719	2,722	SH		SOLE	0	2,722	0	0
Becton Dickinson	Com	075887109	58,686	227	SH		OTR	0	227	0	0
Berkshire Hathaway Inc-Cl B	Com	084670702	10,647,018	30,394	SH		SOLE	0	30,024	30	340
Berkshire Hathaway Inc-Cl B	Com	084670702	6,645,191	18,970	SH		OTR	0	18,932	38	0
Best Buy Company Inc	Com	086516101	221,401	3,187	SH		SOLE	0	3,187	0	0
Best Buy Company Inc	Com	086516101	23,203	334	SH		OTR	0	334	0	0
Boeing CO	Com	097023105	1,395,622	7,281	SH		SOLE	0	7,081	0	200
Boeing CO	Com	097023105	1,649,406	8,605	SH		OTR	0	8,305	150	150
Bristol Myers Squibb CO	Com	110122108	3,416,060	58,857	SH		SOLE	0	55,910	660	2,287
Bristol Myers Squibb CO	Com	110122108	2,335,878	40,246	SH		OTR	0	35,636	300	4,310
Broadcom Inc	Com	11135F101	622,105	749	SH		SOLE	0	708	0	41
Broadcom Inc	Com	11135F101	373,761	450	SH		OTR	0	450	0	0
Cigna Group	Com	125523100	350,150	1,224	SH		SOLE	0	1,187	0	37
Cigna Group	Com	125523100	26,032	91	SH		OTR	0	91	0	0
Csx Corp	Com	126408103	251,474	8,178	SH		SOLE	0	8,178	0	0
Csx Corp	Com	126408103	199,260	6,480	SH		OTR	0	6,480	0	0
CVS Health Corp	Com	126650100	2,407,182	34,477	SH		SOLE	0	33,399	0	1,078
CVS Health Corp	Com	126650100	1,063,568	15,233	SH		OTR	0	13,574	278	1,381
Cardinal Health Inc	Com	14149Y108	150,285	1,731	SH		SOLE	0	1,731	0	0
Cardinal Health Inc	Com	14149Y108	71,627	825	SH		OTR	0	825	0	0
Carrier Global Corporation	Com	14448C104	2,176,978	39,438	SH		SOLE	0	38,055	100	1,283
Carrier Global Corporation	Com	14448C104	1,003,426	18,178	SH		OTR	0	16,912	1,066	200
Caterpillar Inc	Com	149123101	6,503,952	23,824	SH		SOLE	0	22,679	0	1,145
Caterpillar Inc	Com	149123101	3,035,487	11,119	SH		OTR	0	10,789	30	300
Chevron Corporation	Com	166764100	9,592,204	56,887	SH		SOLE	0	54,098	299	2,490
Chevron Corporation	Com	166764100	5,932,895	35,185	SH		OTR	0	33,635	360	1,190
Chipotle Mexican Grill Inc	Com	169656105	274,775	150	SH		SOLE	0	150	0	0
Chipotle Mexican Grill Inc	Com	169656105	16,486	9	SH		OTR	0	9	0	0
Cisco Systems Inc	Com	17275R102	7,514,795	139,784	SH		SOLE	0	134,073	0	5,711
Cisco Systems Inc	Com	17275R102	2,821,056	52,475	SH		OTR	0	50,730	715	1,030
Citigroup Inc	Com	172967424	185,661	4,514	SH		SOLE	0	4,514	0	0
Citigroup Inc	Com	172967424	204,786	4,979	SH		OTR	0	4,829	150	0
Clorox Company	Com	189054109	529,876	4,043	SH		SOLE	0	4,043	0	0
Clorox Company	Com	189054109	243,772	1,860	SH		OTR	0	1,375	0	485
Coca Cola CO	Com	191216100	3,248,072	58,022	SH		SOLE	0	52,347	691	4,984
Coca Cola CO	Com	191216100	4,209,472	75,196	SH		OTR	0	70,241	150	4,805
Colgate Palmolive CO	Com	194162103	921,088	12,953	SH		SOLE	0	11,167	336	1,450
Colgate Palmolive CO	Com	194162103	263,463	3,705	SH		OTR	0	2,255	0	1,450
ComCast Corp-Cl A	Com	20030N101	1,040,216	23,460	SH		SOLE	0	21,217	0	2,243
ComCast Corp-Cl A	Com	20030N101	577,395	13,022	SH		OTR	0	11,039	810	1,173
Conocophillips	Com	20825C104	944,024	7,880	SH		SOLE	0	7,780	100	0
Conocophillips	Com	20825C104	487,586	4,070	SH		OTR	0	3,920	150	0
Corning Inc	Com	219350105	305,431	10,024	SH		SOLE	0	10,024	0	0
Corning Inc	Com	219350105	248,331	8,150	SH		OTR	0	5,400	900	1,850
Corteva Inc Com	Com	22052L104	95,772	1,872	SH		SOLE	0	1,781	0	91
Corteva Inc Com	Com	22052L104	390,555	7,634	SH		OTR	0	7,406	0	228
Costco Wholesale Corp	Com	22160K105	7,908,875	13,999	SH		SOLE	0	13,805	0	194
Costco Wholesale Corp	Com	22160K105	2,812,371	4,978	SH		OTR	0	4,488	0	490
DTE Energy Co	Com	233331107	309,654	3,119	SH		SOLE	0	3,119	0	0
DTE Energy Co	Com	233331107	20,849	210	SH		OTR	0	210	0	0
Danaher Corp	Com	235851102	8,900,340	35,874	SH		SOLE	0	33,841	0	2,033
Danaher Corp	Com	235851102	5,079,104	20,472	SH		OTR	0	19,295	120	1,057
Deere & CO	Com	244199105	7,887,619	20,901	SH		SOLE	0	19,929	25	947
Deere & CO	Com	244199105	5,835,427	15,463	SH		OTR	0	15,393	70	0
Dicks Sporting Goods Inc	Com	253393102	455,634	4,196	SH		SOLE	0	3,461	0	735
Dicks Sporting Goods Inc	Com	253393102	27,471	253	SH		OTR	0	253	0	0
Digital Realty Trust Inc REIT	Com	253868103	219,530	1,814	SH		SOLE	0	1,814	0	0
Disney Walt CO New	Com	254687106	4,659,321	57,487	SH		SOLE	0	55,755	0	1,732
Disney Walt CO New	Com	254687106	1,751,652	21,612	SH		OTR	0	19,737	600	1,275
Dominion Resources Inc	Com	25746U109	558,509	12,503	SH		SOLE	0	12,193	0	310
Dominion Resources Inc	Com	25746U109	297,726	6,665	SH		OTR	0	4,285	80	2,300
Dow Inc Com	Com	260557103	1,000,728	19,409	SH		SOLE	0	19,275	0	134
Dow Inc Com	Com	260557103	1,000,212	19,399	SH		OTR	0	17,641	0	1,758
Duke Energy Corp	Com	26441C204	381,725	4,325	SH		SOLE	0	4,040	285	0
Duke Energy Corp	Com	26441C204	116,238	1,317	SH		OTR	0	1,217	100	0
Dupont De Nemours Inc	Com	26614N102	979,740	13,135	SH		SOLE	0	13,044	0	91
Dupont De Nemours Inc	Com	26614N102	943,191	12,645	SH		OTR	0	11,490	310	845
Ecolab Inc	Com	278865100	1,155,308	6,820	SH		SOLE	0	6,820	0	0
Ecolab Inc	Com	278865100	715,715	4,225	SH		OTR	0	3,735	40	450
Emerson Elec CO	Com	291011104	1,481,963	15,346	SH		SOLE	0	15,263	0	83
Emerson Elec CO	Com	291011104	346,203	3,585	SH		OTR	0	3,385	200	0
Exelon Corp	Com	30161N101	170,206	4,504	SH		SOLE	0	4,504	0	0
Exelon Corp	Com	30161N101	70,252	1,859	SH		OTR	0	1,509	0	350
Exxonmobil Corp	Com	30231G102	12,964,842	110,264	SH		SOLE	0	106,272	648	3,344
Exxonmobil Corp	Com	30231G102	7,614,246	64,758	SH		OTR	0	61,218	660	2,880
Meta Platforms Inc	Com	30303M102	1,322,425	4,405	SH		SOLE	0	4,405	0	0
Meta Platforms Inc	Com	30303M102	1,011,407	3,369	SH		OTR	0	3,369	0	0
Fedex Corporation	Com	31428X106	215,380	813	SH		SOLE	0	813	0	0
Fiserv Inc	Com	337738108	482,904	4,275	SH		SOLE	0	4,275	0	0
Fiserv Inc	Com	337738108	98,727	874	SH		OTR	0	874	0	0
FlexShares Mstar Glbl Upstrm N	Com	33939L407	41,834,452	1,034,482	SH		SOLE	0	1,030,586	0	3,896
FlexShares Mstar Glbl Upstrm N	Com	33939L407	3,517,269	86,975	SH		OTR	0	84,085	340	2,550
Flexshares Disciplined Duratio	Com	33939L779	331,267	16,790	SH		SOLE	0	16,790	0	0
FlexShares Global Quality Real	Com	33939L787	599,805	12,260	SH		SOLE	0	12,260	0	0
FlexShares Global Quality Real	Com	33939L787	7,583	155	SH		OTR	0	155	0	0
FlexShares STOXX Glbl Brd Infr	Com	33939L795	5,494,838	113,454	SH		SOLE	0	113,454	0	0
FlexShares STOXX Glbl Brd Infr	Com	33939L795	908,348	18,755	SH		OTR	0	18,515	0	240
FlexShares International Quali	Com	33939L837	600,413	28,195	SH		SOLE	0	28,195	0	0
Fortive Corp	Com	34959J108	1,668,155	22,494	SH		SOLE	0	22,059	0	435
Fortive Corp	Com	34959J108	296,566	3,999	SH		OTR	0	3,155	50	794
Freeport-McMoran Inc	Com	35671D857	320,172	8,586	SH		SOLE	0	8,586	0	0
Freeport-McMoran Inc	Com	35671D857	249,545	6,692	SH		OTR	0	4,967	0	1,725
General Dynamics Corp	Com	369550108	1,461,716	6,615	SH		SOLE	0	6,465	0	150
General Dynamics Corp	Com	369550108	203,072	919	SH		OTR	0	919	0	0
General Electric Co New	Com	369604301	652,577	5,903	SH		SOLE	0	5,549	0	354
General Electric Co New	Com	369604301	282,013	2,551	SH		OTR	0	2,542	0	9
General Mls Inc	Com	370334104	617,120	9,644	SH		SOLE	0	9,146	0	498
General Mls Inc	Com	370334104	338,187	5,285	SH		OTR	0	4,640	100	545
Gilead Sciences Inc	Com	375558103	556,130	7,421	SH		SOLE	0	7,421	0	0
Gilead Sciences Inc	Com	375558103	215,453	2,875	SH		OTR	0	2,815	60	0
GSK PLC Sponsored ADR	Com	37733W204	234,864	6,479	SH		SOLE	0	6,479	0	0
GSK PLC Sponsored ADR	Com	37733W204	71,920	1,984	SH		OTR	0	1,384	0	600
Global X US Preferred ETF	Com	37954Y657	225,720	12,000	SH		OTR	0	12,000	0	0
Goldman Sachs Group Inc	Com	38141G104	1,140,584	3,525	SH		SOLE	0	3,505	20	0
Goldman Sachs Group Inc	Com	38141G104	1,214,682	3,754	SH		OTR	0	3,754	0	0
Grainger W W Inc	Com	384802104	2,053,381	2,968	SH		SOLE	0	2,968	0	0
Grainger W W Inc	Com	384802104	947,821	1,370	SH		OTR	0	686	100	584
The Hershey Company	Com	427866108	549,220	2,745	SH		SOLE	0	2,745	0	0
The Hershey Company	Com	427866108	443,978	2,219	SH		OTR	0	2,219	0	0
Home Depot Inc	Com	437076102	2,269,117	7,510	SH		SOLE	0	7,147	0	363
Home Depot Inc	Com	437076102	2,704,635	8,951	SH		OTR	0	7,951	150	850
Honeywell International Inc	Com	438516106	4,720,661	25,553	SH		SOLE	0	24,638	0	915
Honeywell International Inc	Com	438516106	1,193,236	6,459	SH		OTR	0	5,390	290	779
Illinois Tool Wks Inc	Com	452308109	769,005	3,339	SH		SOLE	0	3,339	0	0
Illinois Tool Wks Inc	Com	452308109	143,714	624	SH		OTR	0	624	0	0
Intel Corp	Com	458140100	2,722,917	76,594	SH		SOLE	0	74,091	903	1,600
Intel Corp	Com	458140100	769,480	21,645	SH		OTR	0	19,080	1,440	1,125
Intercontinental Exchange Inc	Com	45866F104	669,032	6,081	SH		SOLE	0	6,081	0	0
Intercontinental Exchange Inc	Com	45866F104	40,157	365	SH		OTR	0	365	0	0
Intl. Business Machines Corp	Com	459200101	3,687,430	26,282	SH		SOLE	0	24,099	395	1,788
Intl. Business Machines Corp	Com	459200101	2,163,005	15,417	SH		OTR	0	13,834	0	1,583
Invesco SP 500 Low Volatility	Com	46138E354	205,353	3,493	SH		SOLE	0	3,493	0	0
Ishares Barclays TIPS Bond ETF	Com	464287176	220,094	2,122	SH		SOLE	0	2,122	0	0
Ishares Core S&P 500 ETF	Com	464287200	252,505	588	SH		SOLE	0	588	0	0
Ishares Core Total U.S. Aggreg	Com	464287226	429,292	4,565	SH		SOLE	0	4,565	0	0
Ishares Msci Emerging Mkt ETF	Com	464287234	2,751,294	72,498	SH		SOLE	0	70,773	525	1,200
Ishares Msci Emerging Mkt ETF	Com	464287234	839,788	22,129	SH		OTR	0	21,193	561	375
Ishares S&P 500 Growth ETF	Com	464287309	486,808	7,115	SH		SOLE	0	7,115	0	0
Ishares S&P 500 Value ETF	Com	464287408	569,516	3,702	SH		SOLE	0	3,702	0	0
Ishares Barclays 7-10 Year Tr	Com	464287440	262,863	2,870	SH		SOLE	0	2,870	0	0
Ishares 1-3 Year Treasury ETF	Com	464287457	1,845,306	22,790	SH		SOLE	0	22,790	0	0
Ishares Msci Eafe ETF	Com	464287465	3,858,065	55,979	SH		SOLE	0	53,096	0	2,883
Ishares Msci Eafe ETF	Com	464287465	1,381,777	20,049	SH		OTR	0	19,774	200	75
Ishares Core S&P Mid-Cap ETF	Com	464287507	1,516,547	6,082	SH		SOLE	0	6,082	0	0
Ishares Core S&P Mid-Cap ETF	Com	464287507	606,170	2,431	SH		OTR	0	2,286	0	145
Ishares Nasdaq Biotech ETF	Com	464287556	2,391,663	19,557	SH		SOLE	0	18,765	96	696
Ishares Nasdaq Biotech ETF	Com	464287556	1,398,386	11,435	SH		OTR	0	9,348	540	1,547
Ishares Tr Rus 1000 Val ETF	Com	464287598	208,753	1,375	SH		SOLE	0	1,375	0	0
Ishares S&P Midcap 400/Grwth E	Com	464287606	274,945	3,806	SH		SOLE	0	3,806	0	0
Ishares Russell 1000 Growth ET	Com	464287614	290,461	1,092	SH		SOLE	0	1,092	0	0
IShares Russell 1000 ETF	Com	464287622	219,641	935	SH		SOLE	0	935	0	0
Ishares Russell 2000 Value ETF	Com	464287630	300,514	2,217	SH		SOLE	0	2,217	0	0
Ishares Russell 2000 Value ETF	Com	464287630	22,366	165	SH		OTR	0	0	165	0
Ishares Russell 2000 ETF	Com	464287655	4,895,004	27,697	SH		SOLE	0	26,015	0	1,682
Ishares Russell 2000 ETF	Com	464287655	731,792	4,141	SH		OTR	0	4,006	100	35
Ishares DJ US Telcom Sector ET	Com	464287713	566,900	26,615	SH		SOLE	0	26,615	0	0
Ishares DJ US Telcom Sector ET	Com	464287713	430,814	20,226	SH		OTR	0	20,026	200	0
Ishares Core S&P Small-Cap ETF	Com	464287804	441,370	4,679	SH		SOLE	0	4,679	0	0
Ishares Msci Eafe Small Cap ET	Com	464288273	2,391,392	42,348	SH		SOLE	0	42,338	0	10
Ishares Msci Eafe Small Cap ET	Com	464288273	453,454	8,030	SH		OTR	0	8,030	0	0
Ishares New York Muni Bond ETF	Com	464288323	3,469,275	67,985	SH		SOLE	0	64,245	0	3,740
Ishares New York Muni Bond ETF	Com	464288323	1,100,462	21,565	SH		OTR	0	18,190	0	3,375
Ishares IBoxx High Yield Corpo	Com	464288513	1,893,572	25,686	SH		SOLE	0	25,686	0	0
Ishares IBoxx High Yield Corpo	Com	464288513	148,177	2,010	SH		OTR	0	2,010	0	0
Ishares Barclays Mbs Bond ETF	Com	464288588	709,956	7,995	SH		SOLE	0	7,995	0	0
iShares Tr Intrm Gov Cr ETF	Com	464288612	846,815	8,357	SH		SOLE	0	8,357	0	0
iShares TR 1-5 Yr Inv Gr Corp	Com	464288646	13,723,132	275,399	SH		SOLE	0	266,320	0	9,079
Ishares 3-7 Year Treasury Bond	Com	464288661	1,044,467	9,230	SH		SOLE	0	9,230	0	0
Ishares S&P Pref Stk ETF	Com	464288687	1,912,023	63,417	SH		SOLE	0	63,417	0	0
Ishares S&P Pref Stk ETF	Com	464288687	317,027	10,515	SH		OTR	0	7,335	0	3,180
iShares MSCI USA ESG Select ET	Com	464288802	514,089	5,714	SH		SOLE	0	5,714	0	0
Ishares MSCI EAFE Growth ETF	Com	464288885	17,601,860	203,961	SH		SOLE	0	202,093	0	1,868
Ishares MSCI EAFE Growth ETF	Com	464288885	3,318,641	38,455	SH		OTR	0	38,375	0	80
IShares Russell Top 200 Growth	Com	464289438	266,126	1,730	SH		SOLE	0	1,730	0	0
Ishares Tr 10 Yr Invst Grd	Com	464289511	444,766	9,435	SH		SOLE	0	9,435	0	0
Ishares Aaa-A Rated Corp Bond	Com	46429B291	212,552	4,715	SH		SOLE	0	4,715	0	0
iShares Core High Dividend ETF	Com	46429B663	887,637	8,976	SH		SOLE	0	8,976	0	0
IShares 0-5 Yr TIPs ETF	Com	46429B747	5,032,571	51,925	SH		SOLE	0	51,925	0	0
IShares 0-5 Yr TIPs ETF	Com	46429B747	1,063,794	10,976	SH		OTR	0	10,365	0	611
Ishares Core Msci Eafe ETF	Com	46432F842	6,910,032	107,382	SH		SOLE	0	107,332	0	50
Ishares Core Msci Eafe ETF	Com	46432F842	1,334,941	20,745	SH		OTR	0	20,745	0	0
Ishares Core Emerging Markets	Com	46434G103	2,535,072	53,269	SH		SOLE	0	53,269	0	0
Ishares Core Emerging Markets	Com	46434G103	769,388	16,167	SH		OTR	0	16,167	0	0
IShares Core Intnl Agg Bond ET	Com	46435G672	590,336	12,102	SH		SOLE	0	12,102	0	0
IShares Core Intnl Agg Bond ET	Com	46435G672	60,487	1,240	SH		OTR	0	1,240	0	0
JP Morgan Chase & CO	Com	46625H100	13,809,613	95,226	SH		SOLE	0	92,723	112	2,391
JP Morgan Chase & CO	Com	46625H100	7,013,167	48,360	SH		OTR	0	43,210	571	4,579
JPMorgan Municipal ETF	Com	46641Q647	1,276,242	26,385	SH		SOLE	0	26,385	0	0
JPMorgan Municipal ETF	Com	46641Q647	384,300	7,945	SH		OTR	0	7,945	0	0
JPMorgan Ultra-Short Income ET	Com	46641Q837	280,506	5,590	SH		SOLE	0	5,590	0	0
JPMorgan Ultra-Short Income ET	Com	46641Q837	261,639	5,214	SH		OTR	0	5,214	0	0
Jacobs Solutions Inc	Com	46982L108	420,421	3,080	SH		OTR	0	1,180	0	1,900
Johnson & Johnson	Com	478160104	12,644,669	81,186	SH		SOLE	0	75,456	150	5,580
Johnson & Johnson	Com	478160104	5,221,052	33,522	SH		OTR	0	29,944	260	3,318
Kimberly Clark Corp	Com	494368103	680,265	5,629	SH		SOLE	0	5,629	0	0
Kimberly Clark Corp	Com	494368103	132,935	1,100	SH		OTR	0	1,100	0	0
Kraft Heinz CO	Com	500754106	176,408	5,244	SH		SOLE	0	5,244	0	0
Kraft Heinz CO	Com	500754106	238,205	7,081	SH		OTR	0	7,081	0	0
Lilly Eli & CO	Com	532457108	1,534,043	2,856	SH		SOLE	0	2,328	0	528
Lilly Eli & CO	Com	532457108	3,362,434	6,260	SH		OTR	0	5,210	25	1,025
Lockheed Martin Corp	Com	539830109	3,489,385	8,532	SH		SOLE	0	7,981	0	551
Lockheed Martin Corp	Com	539830109	699,322	1,710	SH		OTR	0	1,710	0	0
Lowes Cos Inc	Com	548661107	11,547,175	55,558	SH		SOLE	0	54,874	25	659
Lowes Cos Inc	Com	548661107	4,699,263	22,610	SH		OTR	0	21,686	315	609
Marsh & McLennan Companies Inc	Com	571748102	4,985,099	26,196	SH		SOLE	0	25,749	0	447
Marsh & McLennan Companies Inc	Com	571748102	1,156,073	6,075	SH		OTR	0	6,075	0	0
Marriott International Inc	Com	571903202	600,491	3,055	SH		SOLE	0	3,055	0	0
Mastercard Inc Cl A	Com	57636Q104	1,378,163	3,481	SH		SOLE	0	3,481	0	0
Mastercard Inc Cl A	Com	57636Q104	1,414,191	3,572	SH		OTR	0	3,550	0	22
McDonalds Corp	Com	580135101	11,312,377	42,941	SH		SOLE	0	42,402	75	464
McDonalds Corp	Com	580135101	4,314,620	16,378	SH		OTR	0	15,565	238	575
Merck & CO Inc	Com	58933Y105	7,149,363	69,445	SH		SOLE	0	67,533	620	1,292
Merck & CO Inc	Com	58933Y105	3,582,557	34,799	SH		OTR	0	33,683	291	825
Metlife Inc	Com	59156R108	402,247	6,394	SH		SOLE	0	6,394	0	0
Metlife Inc	Com	59156R108	101,348	1,611	SH		OTR	0	1,300	111	200
Microsoft Corp	Com	594918104	33,398,772	105,776	SH		SOLE	0	102,024	165	3,587
Microsoft Corp	Com	594918104	30,804,570	97,560	SH		OTR	0	95,633	591	1,336
Microchip Technology Inc	Com	595017104	2,675,476	34,279	SH		SOLE	0	34,279	0	0
Microchip Technology Inc	Com	595017104	604,888	7,750	SH		OTR	0	6,700	300	750
Mondelez International Inc	Com	609207105	3,927,624	56,594	SH		SOLE	0	54,981	0	1,613
Mondelez International Inc	Com	609207105	1,674,344	24,126	SH		OTR	0	24,126	0	0
Morgan Stanley	Com	617446448	562,870	6,892	SH		SOLE	0	6,892	0	0
NBT Bancorp Inc	Com	628778102	7,503,172	236,768	SH		SOLE	0	70,473	0	166,295
NBT Bancorp Inc	Com	628778102	1,407,070	44,401	SH		OTR	0	36,791	0	7,610
Netflix Inc	Com	64110L106	703,091	1,862	SH		SOLE	0	1,862	0	0
Nextera Energy Inc	Com	65339F101	2,704,260	47,203	SH		SOLE	0	45,403	0	1,800
Nextera Energy Inc	Com	65339F101	1,835,801	32,044	SH		OTR	0	22,301	120	9,623
Nike Inc-Class B	Com	654106103	4,252,987	44,478	SH		SOLE	0	44,122	0	356
Nike Inc-Class B	Com	654106103	825,966	8,638	SH		OTR	0	8,638	0	0
Norfolk Southern Corp	Com	655844108	826,712	4,198	SH		SOLE	0	4,198	0	0
Norfolk Southern Corp	Com	655844108	554,949	2,818	SH		OTR	0	2,518	0	300
Novartis Ag Spons ADR	Com	66987V109	1,804,857	17,719	SH		SOLE	0	17,419	0	300
Novartis Ag Spons ADR	Com	66987V109	908,184	8,916	SH		OTR	0	8,816	100	0
Nucor Corp	Com	670346105	943,729	6,036	SH		SOLE	0	6,036	0	0
Nucor Corp	Com	670346105	125,080	800	SH		OTR	0	800	0	0
Nvidia Corp	Com	67066G104	2,083,794	4,790	SH		SOLE	0	4,414	0	376
Nvidia Corp	Com	67066G104	328,853	756	SH		OTR	0	756	0	0
O'Reilly Automotive Inc	Com	67103H107	442,615	487	SH		SOLE	0	487	0	0
Oracle Corporation	Com	68389X105	4,273,766	40,349	SH		SOLE	0	38,849	0	1,500
Oracle Corporation	Com	68389X105	1,391,047	13,133	SH		OTR	0	10,363	70	2,700
Otis Worldwide Corp	Com	68902V107	837,472	10,428	SH		SOLE	0	9,946	50	432
Otis Worldwide Corp	Com	68902V107	553,497	6,892	SH		OTR	0	6,259	533	100
Palo Alto Networks	Com	697435105	1,069,750	4,563	SH		SOLE	0	4,563	0	0
Palo Alto Networks	Com	697435105	539,212	2,300	SH		OTR	0	2,300	0	0
Paypal Holdings Inc	Com	70450Y103	116,335	1,990	SH		SOLE	0	1,330	0	660
Paypal Holdings Inc	Com	70450Y103	146,735	2,510	SH		OTR	0	660	0	1,850
Pepsico Inc	Com	713448108	11,154,574	65,832	SH		SOLE	0	64,735	56	1,041
Pepsico Inc	Com	713448108	3,795,118	22,398	SH		OTR	0	21,264	324	810
Pfizer Inc	Com	717081103	4,463,720	134,571	SH		SOLE	0	129,469	0	5,102
Pfizer Inc	Com	717081103	1,752,040	52,820	SH		OTR	0	49,237	994	2,589
Philip Morris International	Com	718172109	779,338	8,418	SH		SOLE	0	7,743	0	675
Philip Morris International	Com	718172109	2,188,221	23,636	SH		OTR	0	23,636	0	0
T Rowe Price Group Inc	Com	74144T108	2,067,932	19,719	SH		SOLE	0	19,669	50	0
T Rowe Price Group Inc	Com	74144T108	1,309,197	12,484	SH		OTR	0	12,004	295	185
Procter & Gamble CO	Com	742718109	11,806,492	80,944	SH		SOLE	0	75,781	331	4,832
Procter & Gamble CO	Com	742718109	11,364,390	77,913	SH		OTR	0	73,633	380	3,900
Prudential Finl Inc	Com	744320102	1,265,643	13,338	SH		SOLE	0	13,338	0	0
Prudential Finl Inc	Com	744320102	1,168,286	12,312	SH		OTR	0	11,962	150	200
Public Service Enterprise Grou	Com	744573106	86,617	1,522	SH		SOLE	0	1,522	0	0
Public Service Enterprise Grou	Com	744573106	145,121	2,550	SH		OTR	0	2,550	0	0
Qualcomm Inc	Com	747525103	2,755,065	24,807	SH		SOLE	0	24,382	0	425
Qualcomm Inc	Com	747525103	1,289,962	11,615	SH		OTR	0	10,890	225	500
Quanta Services Incorporated	Com	74762E102	966,778	5,168	SH		OTR	0	1,668	0	3,500
RTX Corporation	Com	75513E101	4,076,669	56,644	SH		SOLE	0	55,264	100	1,280
RTX Corporation	Com	75513E101	2,257,411	31,366	SH		OTR	0	28,925	1,186	1,255
Shell PLC Spon ADS	Com	780259305	6,438	100	SH		SOLE	0	100	0	0
Shell PLC Spon ADS	Com	780259305	498,945	7,750	SH		OTR	0	3,150	0	4,600
S&P Global Inc	Com	78409V104	537,518	1,471	SH		SOLE	0	1,471	0	0
S&P Global Inc	Com	78409V104	1,336,304	3,657	SH		OTR	0	2,157	0	1,500
SPDR S&P 500 ETF Trust	Com	78462F103	5,680,114	13,287	SH		SOLE	0	12,711	0	576
SPDR S&P 500 ETF Trust	Com	78462F103	1,146,074	2,681	SH		OTR	0	2,406	160	115
SPDR Gold Trust	Com	78463V107	245,688	1,433	SH		SOLE	0	1,366	0	67
SPDR Gold Trust	Com	78463V107	8,573	50	SH		OTR	0	50	0	0
SPDR Portfolio Emerging Market	Com	78463X509	238,280	7,098	SH		SOLE	0	7,098	0	0
SPDR Portfolio Emerging Market	Com	78463X509	35,584	1,060	SH		OTR	0	1,060	0	0
SPDR Portfolio Developed Wld e	Com	78463X889	1,855,607	59,839	SH		SOLE	0	59,839	0	0
SPDR Portfolio Developed Wld e	Com	78463X889	581,127	18,740	SH		OTR	0	18,740	0	0
SPDR Preferred Stock ETF	Com	78464A292	478,947	14,755	SH		SOLE	0	14,755	0	0
SPDR Portfolio Intermediate Te	Com	78464A375	624,628	19,861	SH		SOLE	0	19,861	0	0
SPDR Portfolio Short Term Corp	Com	78464A474	1,146,998	39,120	SH		SOLE	0	39,120	0	0
SPDR S&P Regional Banking ETF	Com	78464A698	1,237,120	29,617	SH		SOLE	0	28,659	0	958
SPDR S&P Regional Banking ETF	Com	78464A698	862,300	20,644	SH		OTR	0	20,444	100	100
SPDR S&P Dividend ETF	Com	78464A763	10,284,079	89,419	SH		SOLE	0	89,419	0	0
SPDR S&P Dividend ETF	Com	78464A763	879,827	7,650	SH		OTR	0	7,650	0	0
SPDR Dow Jones Industrial Aver	Com	78467X109	1,039,015	3,102	SH		SOLE	0	3,102	0	0
SPDR Dow Jones Industrial Aver	Com	78467X109	274,659	820	SH		OTR	0	740	0	80
Midcap SPDR Trust Series 1	Com	78467Y107	7,513,117	16,453	SH		SOLE	0	15,462	0	991
Midcap SPDR Trust Series 1	Com	78467Y107	846,474	1,854	SH		OTR	0	1,772	50	32
Salesforce Inc	Com	79466L302	1,686,318	8,316	SH		SOLE	0	8,223	0	93
Salesforce Inc	Com	79466L302	1,066,826	5,261	SH		OTR	0	5,261	0	0
Schlumberger Ltd	Com	806857108	1,460,007	25,043	SH		SOLE	0	24,228	0	815
Schlumberger Ltd	Com	806857108	850,422	14,587	SH		OTR	0	14,297	290	0
Charles Schwab Corp	Com	808513105	222,125	4,046	SH		SOLE	0	4,046	0	0
Charles Schwab Corp	Com	808513105	200,605	3,654	SH		OTR	0	3,654	0	0
Schwab US Small Cap ETF	Com	808524607	1,970,764	47,580	SH		SOLE	0	47,580	0	0
Schwab US Small Cap ETF	Com	808524607	322,620	7,789	SH		OTR	0	7,789	0	0
Schwab Fundamental Intl Lg Co	Com	808524755	270,462	8,540	SH		SOLE	0	8,540	0	0
Schwab US Dividend Equity ETF	Com	808524797	6,580,255	92,994	SH		SOLE	0	91,996	0	998
Schwab US Dividend Equity ETF	Com	808524797	1,041,304	14,716	SH		OTR	0	14,716	0	0
Schwab International Equity ET	Com	808524805	2,742,270	80,750	SH		SOLE	0	80,750	0	0
Schwab International Equity ET	Com	808524805	778,159	22,914	SH		OTR	0	22,249	0	665
Schwab US Aggregate Bd ETF	Com	808524839	1,105,131	24,986	SH		SOLE	0	24,986	0	0
Schwab US Aggregate Bd ETF	Com	808524839	633,993	14,334	SH		OTR	0	14,334	0	0
Materials Select SPDR Fund	Com	81369Y100	1,520,087	19,352	SH		SOLE	0	17,320	0	2,032
Materials Select SPDR Fund	Com	81369Y100	638,062	8,123	SH		OTR	0	7,483	315	325
Health Care Select Sector SPDR	Com	81369Y209	1,098,412	8,532	SH		SOLE	0	8,007	0	525
Health Care Select Sector SPDR	Com	81369Y209	19,311	150	SH		OTR	0	150	0	0
Consumer Staples Select Sector	Com	81369Y308	533,526	7,754	SH		SOLE	0	6,422	0	1,332
Consumer Staples Select Sector	Com	81369Y308	42,318	615	SH		OTR	0	130	305	180
Consumer Discretionary Selt	Com	81369Y407	1,574,384	9,780	SH		SOLE	0	7,950	0	1,830
Consumer Discretionary Selt	Com	81369Y407	191,727	1,191	SH		OTR	0	726	355	110
Energy Select Sector SPDR	Com	81369Y506	1,051,554	11,634	SH		SOLE	0	10,243	0	1,391
Energy Select Sector SPDR	Com	81369Y506	157,640	1,744	SH		OTR	0	1,524	80	140
Financial Select Sector SPDR	Com	81369Y605	966,673	29,143	SH		SOLE	0	26,454	0	2,689
Financial Select Sector SPDR	Com	81369Y605	28,526	860	SH		OTR	0	660	200	0
Industrial Select Sector SPDR	Com	81369Y704	986,709	9,733	SH		SOLE	0	9,475	0	258
Industrial Select Sector SPDR	Com	81369Y704	53,225	525	SH		OTR	0	435	0	90
Technology Select Sect SPDR	Com	81369Y803	2,341,740	14,285	SH		SOLE	0	14,024	162	99
Technology Select Sect SPDR	Com	81369Y803	163,110	995	SH		OTR	0	845	150	0
Real Estate Select Sect SPDR	Com	81369Y860	897,915	26,355	SH		SOLE	0	24,237	105	2,013
Real Estate Select Sect SPDR	Com	81369Y860	1,187,510	34,855	SH		OTR	0	34,704	26	125
Utilities Select Sector SPDR	Com	81369Y886	1,589,165	26,967	SH		SOLE	0	22,804	0	4,163
Utilities Select Sector SPDR	Com	81369Y886	834,743	14,165	SH		OTR	0	13,162	609	394
Southern Company	Com	842587107	1,056,360	16,322	SH		SOLE	0	16,322	0	0
Southern Company	Com	842587107	561,381	8,674	SH		OTR	0	8,674	0	0
Starbucks Corp	Com	855244109	835,851	9,158	SH		SOLE	0	9,158	0	0
Starbucks Corp	Com	855244109	824,624	9,035	SH		OTR	0	9,035	0	0
State Street Corp	Com	857477103	171,083	2,555	SH		SOLE	0	2,555	0	0
State Street Corp	Com	857477103	38,502	575	SH		OTR	0	575	0	0
Stryker Corporation	Com	863667101	253,321	927	SH		SOLE	0	927	0	0
Sysco Corp	Com	871829107	535,335	8,105	SH		SOLE	0	8,105	0	0
Sysco Corp	Com	871829107	626,881	9,491	SH		OTR	0	9,491	0	0
TJX Cos Inc	Com	872540109	3,204,657	36,056	SH		SOLE	0	34,456	300	1,300
TJX Cos Inc	Com	872540109	2,979,169	33,519	SH		OTR	0	32,710	455	354
Target Corp	Com	87612E106	1,772,898	16,034	SH		SOLE	0	15,452	0	582
Target Corp	Com	87612E106	1,470,028	13,295	SH		OTR	0	10,530	165	2,600
Texas Instruments Inc	Com	882508104	859,608	5,406	SH		SOLE	0	5,406	0	0
Texas Instruments Inc	Com	882508104	923,371	5,807	SH		OTR	0	5,675	0	132
Thermo Fisher Scientific Inc	Com	883556102	4,591,975	9,072	SH		SOLE	0	8,878	0	194
Thermo Fisher Scientific Inc	Com	883556102	1,416,264	2,798	SH		OTR	0	1,898	0	900
3m CO	Com	88579Y101	829,624	8,862	SH		SOLE	0	7,818	330	714
3m CO	Com	88579Y101	249,029	2,660	SH		OTR	0	2,025	265	370
Truist Financial Corporation	Com	89832Q109	257,384	8,996	SH		SOLE	0	8,697	0	299
Truist Financial Corporation	Com	89832Q109	108,289	3,785	SH		OTR	0	3,785	0	0
US Bancorp New	Com	902973304	1,235,717	37,378	SH		SOLE	0	37,125	0	253
US Bancorp New	Com	902973304	411,829	12,457	SH		OTR	0	11,686	555	216
Union Pac Corp	Com	907818108	4,241,613	20,830	SH		SOLE	0	19,922	0	908
Union Pac Corp	Com	907818108	3,434,016	16,864	SH		OTR	0	15,234	50	1,580
United Parcel Service Cl B	Com	911312106	856,505	5,495	SH		SOLE	0	5,495	0	0
United Parcel Service Cl B	Com	911312106	2,137,602	13,714	SH		OTR	0	13,679	35	0
Unitedhealth Group Inc	Com	91324P102	7,573,438	15,021	SH		SOLE	0	14,732	0	289
Unitedhealth Group Inc	Com	91324P102	2,969,679	5,890	SH		OTR	0	5,746	74	70
Vaneck ETF Trust Agribusiness	Com	92189F700	852,829	10,836	SH		SOLE	0	10,056	0	780
Vaneck ETF Trust Agribusiness	Com	92189F700	854,367	10,856	SH		OTR	0	10,631	125	100
Vanguard Dividend Appreciation	Com	921908844	128,189	825	SH		SOLE	0	825	0	0
Vanguard Dividend Appreciation	Com	921908844	108,766	700	SH		OTR	0	700	0	0
Vanguard Total Intl Stock Et	Com	921909768	14,986	280	SH		SOLE	0	280	0	0
Vanguard Total Intl Stock Et	Com	921909768	270,008	5,045	SH		OTR	0	5,045	0	0
Vanguard Intermediate-Term Bon	Com	921937819	1,507,302	20,845	SH		SOLE	0	20,845	0	0
Vanguard Intermediate-Term Bon	Com	921937819	263,932	3,650	SH		OTR	0	2,150	1,500	0
Vanguard Short Term Bond ETF	Com	921937827	1,047,118	13,930	SH		SOLE	0	13,930	0	0
Vanguard Short Term Bond ETF	Com	921937827	75,170	1,000	SH		OTR	0	1,000	0	0
Vanguard Total Bond Market ETF	Com	921937835	659,631	9,453	SH		SOLE	0	9,453	0	0
Vanguard Total Bond Market ETF	Com	921937835	220,156	3,155	SH		OTR	0	3,155	0	0
Vanguard FTSE Developed Market	Com	921943858	120,230	2,750	SH		SOLE	0	2,750	0	0
Vanguard FTSE Developed Market	Com	921943858	149,741	3,425	SH		OTR	0	3,425	0	0
Vanguard High Dividend Yield E	Com	921946406	251,791	2,437	SH		SOLE	0	2,437	0	0
Vanguard High Dividend Yield E	Com	921946406	64,058	620	SH		OTR	0	620	0	0
Vanguard Ftse All-World Ex-USI	Com	922042775	465,222	8,969	SH		SOLE	0	8,969	0	0
Vanguard Ftse Emerging Markets	Com	922042858	1,091,371	27,834	SH		SOLE	0	27,834	0	0
Vanguard Ftse Emerging Markets	Com	922042858	222,909	5,685	SH		OTR	0	5,185	0	500
Vanguard Inter Term Corp Bond	Com	92206C870	920,194	12,111	SH		SOLE	0	12,111	0	0
Vanguard Inter Term Corp Bond	Com	92206C870	850,064	11,188	SH		OTR	0	11,188	0	0
Vanguard S&P 500 ETF	Com	922908363	1,934,833	4,927	SH		SOLE	0	4,740	0	187
Vanguard Mid-Cap Value Index F	Com	922908512	426,406	3,256	SH		SOLE	0	3,256	0	0
Vanguard Mid-Cap Value Index F	Com	922908512	14,406	110	SH		OTR	0	110	0	0
Vanguard Real Estate ETF	Com	922908553	835,438	11,042	SH		SOLE	0	11,042	0	0
Vanguard Real Estate ETF	Com	922908553	392,675	5,190	SH		OTR	0	4,895	295	0
Vanguard Index Fund Mid-Cap	Com	922908629	515,394	2,475	SH		SOLE	0	2,475	0	0
Vanguard Index Fund Mid-Cap	Com	922908629	77,049	370	SH		OTR	0	370	0	0
Verizon Communications	Com	92343V104	2,350,665	72,529	SH		SOLE	0	69,531	830	2,168
Verizon Communications	Com	92343V104	1,124,368	34,692	SH		OTR	0	31,596	225	2,871
Visa Inc Cl A	Com	92826C839	2,509,639	10,911	SH		SOLE	0	10,911	0	0
Visa Inc Cl A	Com	92826C839	1,468,614	6,385	SH		OTR	0	6,285	100	0
Wal Mart Inc	Com	931142103	2,762,152	17,271	SH		SOLE	0	16,871	0	400
Wal Mart Inc	Com	931142103	2,278,363	14,246	SH		OTR	0	12,630	350	1,266
Waste Management Inc	Com	94106L109	365,856	2,400	SH		SOLE	0	2,400	0	0
Waste Management Inc	Com	94106L109	263,721	1,730	SH		OTR	0	1,500	0	230
Wells Fargo & CO	Com	949746101	1,118,225	27,367	SH		SOLE	0	26,582	0	785
Wells Fargo & CO	Com	949746101	593,900	14,535	SH		OTR	0	11,750	600	2,185
WisdomTree MidCap Dividend ETF	Com	97717W505	2,021,540	49,354	SH		SOLE	0	48,688	0	666
WisdomTree MidCap Dividend ETF	Com	97717W505	244,081	5,959	SH		OTR	0	2,949	0	3,010
WisdomTree SmallCap Dividend E	Com	97717W604	682,130	24,189	SH		SOLE	0	24,068	0	121
WisdomTree SmallCap Dividend E	Com	97717W604	23,180	822	SH		OTR	0	822	0	0
Xylem Inc	Com	98419M100	316,420	3,476	SH		SOLE	0	3,476	0	0
Xylem Inc	Com	98419M100	68,273	750	SH		OTR	0	750	0	0
Yum! Brands Inc	Com	988498101	236,761	1,895	SH		SOLE	0	1,895	0	0
Yum! Brands Inc	Com	988498101	74,964	600	SH		OTR	0	600	0	0
Zimmer Biomet Holdings Inc	Com	98956P102	407,471	3,631	SH		SOLE	0	3,381	60	190
Zimmer Biomet Holdings Inc	Com	98956P102	283,917	2,530	SH		OTR	0	2,105	100	325
Deutsche Bank Ag ADR	Com	D18190898	109,927	10,000	SH		SOLE	0	10,000	0	0
Eaton Corp PLC	Com	G29183103	1,579,978	7,408	SH		SOLE	0	7,408	0	0
Eaton Corp PLC	Com	G29183103	1,007,535	4,724	SH		OTR	0	3,649	0	1,075
Linde PLC	Com	G54950103	1,891,166	5,079	SH		SOLE	0	5,079	0	0
Linde PLC	Com	G54950103	1,112,954	2,989	SH		OTR	0	2,064	0	925
Medtronic PLC	Com	G5960L103	694,740	8,866	SH		SOLE	0	8,866	0	0
Medtronic PLC	Com	G5960L103	719,031	9,176	SH		OTR	0	8,605	71	500
Agnico Eagle Mines, Ltd.	Com	008474108	29,543	650	SH		SOLE	0	650	0	0
Agnico Eagle Mines, Ltd.	Com	008474108	322,377	7,093	SH		OTR	0	7,093	0	0
Amphenol Corp.	Com	032095101	574,072	6,835	SH		SOLE	0	6,835	0	0
Amphenol Corp.	Com	032095101	257,681	3,068	SH		OTR	0	3,068	0	0
Applied Materials Inc	Com	038222105	427,118	3,085	SH		SOLE	0	3,085	0	0
Applied Materials Inc	Com	038222105	168,217	1,215	SH		OTR	0	1,215	0	0
Autodesk Inc	Com	052769106	258,017	1,247	SH		SOLE	0	1,247	0	0
Autodesk Inc	Com	052769106	41,382	200	SH		OTR	0	200	0	0
Berkshire Hathaway, Inc.	Com	084670108	2,657,385	5	SH		OTR	0	5	0	0
Blackrock, Inc	Com	09247X101	994,302	1,538	SH		SOLE	0	1,538	0	0
Blackrock, Inc	Com	09247X101	166,148	257	SH		OTR	0	257	0	0
Blackstone Group, Inc.	Com	09260D107	497,130	4,640	SH		SOLE	0	4,640	0	0
Blackstone Group, Inc.	Com	09260D107	116,997	1,092	SH		OTR	0	1,092	0	0
Boston Scientific Corp	Com	101137107	252,648	4,785	SH		OTR	0	4,785	0	0
BrandywineGLOBAL - Global Inco	Com	10537L104	22,530	3,000	SH		SOLE	0	3,000	0	0
BrandywineGLOBAL - Global Inco	Com	10537L104	117,907	15,700	SH		OTR	0	15,700	0	0
Brookfield Asset Managmt Ltd	Com	113004105	473,739	14,987	SH		SOLE	0	14,987	0	0
Brookfield Asset Managmt Ltd	Com	113004105	515,717	16,315	SH		OTR	0	16,315	0	0
Brown-Forman Inc Cl B	Com	115637209	325,372	5,640	SH		SOLE	0	5,640	0	0
Brown-Forman Inc Cl B	Com	115637209	224,991	3,900	SH		OTR	0	3,900	0	0
Arrow Manufacturing Co.	Com	126001999	283,975	463	SH		SOLE	0	463	0	0
Cadence Design Systems Inc	Com	127387108	369,023	1,575	SH		SOLE	0	1,575	0	0
Canadian National Railway	Com	136375102	753,435	6,955	SH		SOLE	0	6,955	0	0
Canadian National Railway	Com	136375102	1,365,500	12,605	SH		OTR	0	12,605	0	0
Constellation Brands, Inc. Cl	Com	21036P108	42,977	171	SH		SOLE	0	171	0	0
Constellation Brands, Inc. Cl	Com	21036P108	271,688	1,081	SH		OTR	0	1,081	0	0
Crown Castle Intl Corp.	Com	22822V101	1,276,088	13,866	SH		SOLE	0	13,746	0	120
Crown Castle Intl Corp.	Com	22822V101	103,810	1,128	SH		OTR	0	1,128	0	0
Cummins Inc	Com	231021106	262,729	1,150	SH		SOLE	0	1,150	0	0
EOG Resources, Inc.	Com	26875P101	176,703	1,394	SH		SOLE	0	1,394	0	0
EOG Resources, Inc.	Com	26875P101	191,661	1,512	SH		OTR	0	1,512	0	0
Enbridge, Inc.	Com	29250N105	187,889	5,661	SH		SOLE	0	5,661	0	0
Enbridge, Inc.	Com	29250N105	29,771	897	SH		OTR	0	897	0	0
Fastenal Company	Com	311900104	112,012	2,050	SH		SOLE	0	2,050	0	0
Fastenal Company	Com	311900104	528,096	9,665	SH		OTR	0	9,665	0	0
First Solar, Inc	Com	336433107	117,153	725	SH		SOLE	0	725	0	0
First Solar, Inc	Com	336433107	250,465	1,550	SH		OTR	0	1,550	0	0
Golub Capital BDC, Inc.	Com	38173M102	29,340	2,000	SH		SOLE	0	2,000	0	0
Golub Capital BDC, Inc.	Com	38173M102	151,101	10,300	SH		OTR	0	10,300	0	0
Ingersoll Rand, Inc.	Com	45687V106	1,686,286	26,464	SH		SOLE	0	26,420	0	44
Ingersoll Rand, Inc.	Com	45687V106	2,487,119	39,032	SH		OTR	0	39,032	0	0
Intuit	Com	461202103	56,203	110	SH		SOLE	0	110	0	0
Intuit	Com	461202103	352,038	689	SH		OTR	0	689	0	0
Intuitive Surgical Inc	Com	46120E602	410,375	1,404	SH		SOLE	0	1,404	0	0
Ionis Pharmaceuticals, Inc.	Com	462222100	773,388	17,050	SH		OTR	0	17,050	0	0
IQVIA Holdings, Inc.	Com	46266C105	722,073	3,670	SH		SOLE	0	3,670	0	0
IQVIA Holdings, Inc.	Com	46266C105	553,458	2,813	SH		OTR	0	2,813	0	0
iShares Russell Midcap Growth	Com	464287481	514,026	5,627	SH		SOLE	0	5,627	0	0
iShares Russell 2000 Growth In	Com	464287648	479,233	2,138	SH		SOLE	0	2,138	0	0
Jacobs Solutions Inc.	Com	46982L108	291,701	2,137	SH		SOLE	0	2,137	0	0
Markel Group INC COM	Com	570535104	278,301	189	SH		SOLE	0	189	0	0
Markel Group INC COM	Com	570535104	272,411	185	SH		OTR	0	185	0	0
Marriott Intl Inc New A	Com	571903202	24,570	125	SH		OTR	0	125	0	0
Martin Marietta Materials, Inc	Com	573284106	119,039	290	SH		SOLE	0	290	0	0
Martin Marietta Materials, Inc	Com	573284106	225,764	550	SH		OTR	0	550	0	0
Masco Corp	Com	574599106	215,083	4,024	SH		SOLE	0	4,024	0	0
Masco Corp	Com	574599106	6,681	125	SH		OTR	0	125	0	0
Mc Cormick & Co. Inc	Com	579780206	372,376	4,923	SH		SOLE	0	4,923	0	0
Mc Cormick & Co. Inc	Com	579780206	96,138	1,271	SH		OTR	0	1,271	0	0
McKesson, Inc.	Com	58155Q103	312,222	718	SH		SOLE	0	718	0	0
Mettler-Toledo Intl Inc	Com	592688105	161,778	146	SH		SOLE	0	146	0	0
Mettler-Toledo Intl Inc	Com	592688105	221,614	200	SH		OTR	0	200	0	0
Monster Beverage Corp.	Com	61174X109	104,047	1,965	SH		SOLE	0	1,965	0	0
Monster Beverage Corp.	Com	61174X109	130,787	2,470	SH		OTR	0	2,470	0	0
Moodys Corp	Com	615369105	257,046	813	SH		SOLE	0	813	0	0
Moodys Corp	Com	615369105	50,587	160	SH		OTR	0	160	0	0
Morgan Stanley	Com	617446448	12,251	150	SH		OTR	0	150	0	0
Nestle S A Sponsored ADR	Com	641069406	910,049	8,025	SH		SOLE	0	7,875	0	150
Nestle S A Sponsored ADR	Com	641069406	624,277	5,505	SH		OTR	0	5,505	0	0
Netflix, Inc.	Com	64110L106	360,608	955	SH		OTR	0	955	0	0
Northrop Grumman Corp.	Com	666807102	11,005	25	SH		SOLE	0	25	0	0
Northrop Grumman Corp.	Com	666807102	356,994	811	SH		OTR	0	811	0	0
Oneok Inc.	Com	682680103	666,031	10,500	SH		OTR	0	10,500	0	0
Paychex Inc	Com	704326107	332,727	2,885	SH		SOLE	0	2,885	0	0
Paychex Inc	Com	704326107	52,475	455	SH		OTR	0	455	0	0
Pimco ETF Trust	Com	72201R783	162,540	1,800	SH		SOLE	0	1,800	0	0
Pimco ETF Trust	Com	72201R783	156,671	1,735	SH		OTR	0	1,735	0	0
Quanta Services, Inc	Com	74762E102	84,182	450	SH		SOLE	0	450	0	0
RBC Bearings Incorporated	Com	75524B104	926,452	3,957	SH		SOLE	0	3,746	0	211
RBC Bearings Incorporated	Com	75524B104	70,239	300	SH		OTR	0	300	0	0
Roper Industries, Inc.	Com	776696106	147,705	305	SH		SOLE	0	305	0	0
Roper Industries, Inc.	Com	776696106	924,006	1,908	SH		OTR	0	1,908	0	0
SPDR Bloomberg 1-3 Month T-Bil	Com	78468R663	309,617	3,372	SH		SOLE	0	3,372	0	0
Sherwin Williams Co	Com	824348106	1,858,294	7,286	SH		SOLE	0	7,151	0	135
Sherwin Williams Co	Com	824348106	1,373,954	5,387	SH		OTR	0	5,387	0	0
T-Mobile US, Inc.	Com	872590104	126,045	900	SH		SOLE	0	900	0	0
T-Mobile US, Inc.	Com	872590104	84,030	600	SH		OTR	0	600	0	0
Taiwan Semiconductor Mfg Co LT	Com	874039100	294,330	3,387	SH		SOLE	0	3,387	0	0
Taiwan Semiconductor Mfg Co LT	Com	874039100	36,064	415	SH		OTR	0	415	0	0
Tesla Motors, Inc.	Com	88160R101	517,955	2,070	SH		SOLE	0	2,070	0	0
Tesla Motors, Inc.	Com	88160R101	106,344	425	SH		OTR	0	425	0	0
Toyota Motors Corp ADR	Com	892331307	103,356	575	SH		SOLE	0	575	0	0
Toyota Motors Corp ADR	Com	892331307	107,850	600	SH		OTR	0	600	0	0
Tractor Supply Co	Com	892356106	83,251	410	SH		SOLE	0	410	0	0
Tractor Supply Co	Com	892356106	176,654	870	SH		OTR	0	870	0	0
Transcoastal Corp.	Com	89355M105	0	243,486	SH		SOLE	0	243,486	0	0
TransDigm Group, Inc.	Com	893641100	168,626	200	SH		SOLE	0	200	0	0
TransDigm Group, Inc.	Com	893641100	994,893	1,180	SH		OTR	0	1,180	0	0
Uber Technologies Inc	Com	90353T100	951,993	20,700	SH		SOLE	0	20,700	0	0
Uber Technologies Inc	Com	90353T100	1,485,477	32,300	SH		OTR	0	32,300	0	0
United Rentals, Inc.	Com	911363109	213,838	481	SH		SOLE	0	481	0	0
United Rentals, Inc.	Com	911363109	44,457	100	SH		OTR	0	100	0	0
VanEck Vectors Gold Miners ETF	Com	92189F106	2,341,574	87,015	SH		SOLE	0	85,446	0	1,569
VanEck Vectors Gold Miners ETF	Com	92189F106	201,098	7,473	SH		OTR	0	7,473	0	0
Vanguard Short-Term Treasury I	Com	92206C102	262,656	4,560	SH		SOLE	0	4,560	0	0
Vanguard Short-Term Treasury I	Com	92206C102	20,160	350	SH		OTR	0	350	0	0
Vanguard Short Term Corporate	Com	92206C409	964,776	12,838	SH		SOLE	0	12,838	0	0
Vanguard Short Term Corporate	Com	92206C409	21,192	282	SH		OTR	0	282	0	0
Weyerhaeuser Co	Com	962166104	857,683	27,974	SH		SOLE	0	27,704	0	270
Weyerhaeuser Co	Com	962166104	58,591	1,911	SH		OTR	0	1,911	0	0
Zoetis, Inc.	Com	98978V103	693,658	3,987	SH		SOLE	0	3,987	0	0
Zoetis, Inc.	Com	98978V103	1,138,525	6,544	SH		OTR	0	6,544	0	0
Allegion PLC	Com	G0176J109	720,230	6,912	SH		SOLE	0	6,912	0	0
Allegion PLC	Com	G0176J109	1,662,303	15,953	SH		OTR	0	15,953	0	0
AON PLC	Com	G0403H108	445,803	1,375	SH		SOLE	0	1,375	0	0
AON PLC	Com	G0403H108	885,121	2,730	SH		OTR	0	2,730	0	0
Accenture PLC	Com	G1151C101	559,862	1,823	SH		SOLE	0	1,790	0	33
Accenture PLC	Com	G1151C101	32,247	105	SH		OTR	0	105	0	0
Trane Technologies PLC	Com	G8994E103	6,400,390	31,543	SH		SOLE	0	31,493	0	50
Trane Technologies PLC	Com	G8994E103	8,474,130	41,763	SH		OTR	0	41,763	0	0
Chubb Limited	Com	H1467J104	1,721,024	8,267	SH		SOLE	0	8,128	0	139
Chubb Limited	Com	H1467J104	99,926	480	SH		OTR	0	480	0	0
TE Connectivity Ltd	Com	H84989104	1,086,446	8,795	SH		SOLE	0	8,654	0	141
TE Connectivity Ltd	Com	H84989104	83,383	675	SH		OTR	0	675	0	0
ASML Holding N.V.	Com	N07059210	206,620	351	SH		SOLE	0	351	0	0
ASML Holding N.V.	Com	N07059210	23,546	40	SH		OTR	0	40	0	0