NBT Bank N A 13F-HR Quarterly holdings report by institutional manager

The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE

OMB APPROVAL

OMB Number:		3235-0006
Expires:	Oct 31, 2018
Estimated average burden
hours per response:		23.8

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	2,441	77,834	SH		SOLE	0	76,834	0	1,000
AT&T Inc	Com	00206R102	1,469	46,858	SH		OTR	0	40,445	400	6,013
Abbott Labs	Com	002824100	5,322	66,577	SH		SOLE	0	66,077	0	500
Abbott Labs	Com	002824100	1,873	23,436	SH		OTR	0	21,246	621	1,569
Abbvie Inc	Com	00287Y109	2,473	30,680	SH		SOLE	0	30,480	0	200
Abbvie Inc	Com	00287Y109	1,517	18,827	SH		OTR	0	16,962	395	1,470
Activision Blizzard, Inc	Com	00507V109	588	12,914	SH		SOLE	0	12,914	0	0
Activision Blizzard, Inc	Com	00507V109	288	6,335	SH		OTR	0	6,335	0	0
Air Products & Chemicals Inc	Com	009158106	1,408	7,372	SH		SOLE	0	7,372	0	0
Air Products & Chemicals Inc	Com	009158106	413	2,165	SH		OTR	0	2,165	0	0
Alphabet Inc Cl C	Com	02079K107	3,317	2,827	SH		SOLE	0	2,772	0	55
Alphabet Inc Cl C	Com	02079K107	2,363	2,014	SH		OTR	0	2,014	0	0
Alphabet Inc Cl A	Com	02079K305	2,262	1,922	SH		SOLE	0	1,902	0	20
Alphabet Inc Cl A	Com	02079K305	471	400	SH		OTR	0	400	0	0
Altria Group Inc	Com	02209S103	736	12,812	SH		SOLE	0	11,737	0	1,075
Altria Group Inc	Com	02209S103	2,309	40,200	SH		OTR	0	39,150	200	850
Amazon.Com Inc	Com	023135106	821	461	SH		SOLE	0	461	0	0
Amazon.Com Inc	Com	023135106	331	186	SH		OTR	0	186	0	0
American Express CO	Com	025816109	694	6,350	SH		SOLE	0	6,350	0	0
American Express CO	Com	025816109	169	1,546	SH		OTR	0	1,260	0	286
American Tower Corp REIT	Com	03027X100	20	100	SH		SOLE	0	100	0	0
American Tower Corp REIT	Com	03027X100	244	1,240	SH		OTR	0	1,240	0	0
American Water Works CO Inc	Com	030420103	1,156	11,086	SH		SOLE	0	11,086	0	0
American Water Works CO Inc	Com	030420103	1,040	9,975	SH		OTR	0	7,865	100	2,010
Amgen Inc	Com	031162100	365	1,920	SH		SOLE	0	1,920	0	0
Amgen Inc	Com	031162100	358	1,885	SH		OTR	0	1,885	0	0
Apache Corp	Com	037411105	641	18,496	SH		SOLE	0	18,496	0	0
Apache Corp	Com	037411105	432	12,475	SH		OTR	0	11,875	0	600
Apple Inc	Com	037833100	10,483	55,189	SH		SOLE	0	51,944	105	3,140
Apple Inc	Com	037833100	4,834	25,448	SH		OTR	0	23,728	870	850
Arrow Finl Corp	Com	042744102	568	17,268	SH		SOLE	0	9,998	0	7,270
Arrow Finl Corp	Com	042744102	114	3,477	SH		OTR	0	3,477	0	0
Autoliv Inc	Com	052800109	785	10,677	SH		SOLE	0	9,927	0	750
Autoliv Inc	Com	052800109	906	12,321	SH		OTR	0	12,321	0	0
Automatic Data Processing Inc	Com	053015103	4,300	26,918	SH		SOLE	0	26,638	0	280
Automatic Data Processing Inc	Com	053015103	1,353	8,470	SH		OTR	0	7,850	140	480
BP PLC Spons ADR	Com	055622104	111	2,546	SH		SOLE	0	2,546	0	0
BP PLC Spons ADR	Com	055622104	344	7,876	SH		OTR	0	7,676	0	200
Bank of America Corp	Com	060505104	505	18,303	SH		SOLE	0	18,303	0	0
Bank of America Corp	Com	060505104	390	14,140	SH		OTR	0	14,140	0	0
Bank of New York Mellon Corp	Com	064058100	558	11,059	SH		SOLE	0	11,059	0	0
Bank of New York Mellon Corp	Com	064058100	42	838	SH		OTR	0	338	0	500
Baxter Intl Inc	Com	071813109	676	8,310	SH		SOLE	0	8,310	0	0
Baxter Intl Inc	Com	071813109	345	4,249	SH		OTR	0	2,689	100	1,460
Becton Dickinson	Com	075887109	421	1,686	SH		SOLE	0	1,686	0	0
Becton Dickinson	Com	075887109	264	1,057	SH		OTR	0	1,057	0	0
Berkshire Hathaway Inc-Cl B	Com	084670702	2,519	12,541	SH		SOLE	0	12,311	30	200
Berkshire Hathaway Inc-Cl B	Com	084670702	1,703	8,478	SH		OTR	0	8,458	20	0
Best Buy Company Inc	Com	086516101	356	5,003	SH		SOLE	0	5,003	0	0
Best Buy Company Inc	Com	086516101	28	395	SH		OTR	0	395	0	0
BHP Group Ltd Spons ADR	Com	088606108	184	3,374	SH		SOLE	0	3,174	0	200
BHP Group Ltd Spons ADR	Com	088606108	97	1,775	SH		OTR	0	1,725	0	50
Biogen Inc	Com	09062X103	59	249	SH		SOLE	0	249	0	0
Biogen Inc	Com	09062X103	149	630	SH		OTR	0	630	0	0
Boeing CO	Com	097023105	1,993	5,224	SH		SOLE	0	4,989	0	235
Boeing CO	Com	097023105	2,907	7,621	SH		OTR	0	7,621	0	0
Bristol Myers Squibb CO	Com	110122108	3,195	66,974	SH		SOLE	0	64,129	725	2,120
Bristol Myers Squibb CO	Com	110122108	1,741	36,495	SH		OTR	0	33,585	360	2,550
Cigna Corp	Com	125523100	408	2,538	SH		SOLE	0	2,375	18	145
Cigna Corp	Com	125523100	64	401	SH		OTR	0	401	0	0
Csx Corp	Com	126408103	239	3,199	SH		SOLE	0	3,199	0	0
Csx Corp	Com	126408103	263	3,510	SH		OTR	0	3,510	0	0
CVS Health Corp	Com	126650100	1,736	32,193	SH		SOLE	0	32,093	0	100
CVS Health Corp	Com	126650100	797	14,786	SH		OTR	0	13,446	340	1,000
Cardinal Health Inc	Com	14149Y108	204	4,235	SH		SOLE	0	4,235	0	0
Cardinal Health Inc	Com	14149Y108	46	950	SH		OTR	0	950	0	0
Caterpillar Inc	Com	149123101	2,105	15,538	SH		SOLE	0	15,538	0	0
Caterpillar Inc	Com	149123101	1,217	8,980	SH		OTR	0	8,635	45	300
Celgene Corp	Com	151020104	258	2,735	SH		SOLE	0	2,735	0	0
Celgene Corp	Com	151020104	245	2,595	SH		OTR	0	2,595	0	0
Chevron Corporation	Com	166764100	6,087	49,415	SH		SOLE	0	47,975	425	1,015
Chevron Corporation	Com	166764100	4,480	36,370	SH		OTR	0	34,330	510	1,530
Cisco Systems Inc	Com	17275R102	4,227	78,285	SH		SOLE	0	75,530	0	2,755
Cisco Systems Inc	Com	17275R102	2,436	45,121	SH		OTR	0	44,596	525	0
Citigroup Inc	Com	172967424	640	10,294	SH		SOLE	0	10,294	0	0
Citigroup Inc	Com	172967424	480	7,715	SH		OTR	0	6,815	150	750
Clorox Company	Com	189054109	867	5,402	SH		SOLE	0	5,402	0	0
Clorox Company	Com	189054109	619	3,860	SH		OTR	0	3,375	0	485
Coca Cola CO	Com	191216100	2,362	50,409	SH		SOLE	0	44,509	1,100	4,800
Coca Cola CO	Com	191216100	1,435	30,620	SH		OTR	0	25,440	150	5,030
Cognizant Technology Solutions	Com	192446102	208	2,866	SH		SOLE	0	2,866	0	0
Cognizant Technology Solutions	Com	192446102	17	234	SH		OTR	0	234	0	0
Colgate Palmolive CO	Com	194162103	1,252	18,269	SH		SOLE	0	16,369	500	1,400
Colgate Palmolive CO	Com	194162103	823	12,010	SH		OTR	0	10,310	0	1,700
ComCast Corp-Cl A	Com	20030N101	775	19,383	SH		SOLE	0	17,601	0	1,782
ComCast Corp-Cl A	Com	20030N101	262	6,561	SH		OTR	0	4,563	650	1,348
Conocophillips	Com	20825C104	709	10,621	SH		SOLE	0	10,421	100	100
Conocophillips	Com	20825C104	199	2,978	SH		OTR	0	2,728	100	150
Corning Inc	Com	219350105	406	12,266	SH		SOLE	0	12,266	0	0
Corning Inc	Com	219350105	402	12,150	SH		OTR	0	11,450	700	0
Costco Wholesale Corp	Com	22160K105	302	1,247	SH		SOLE	0	1,247	0	0
Costco Wholesale Corp	Com	22160K105	331	1,369	SH		OTR	0	729	0	640
Danaher Corp	Com	235851102	3,626	27,467	SH		SOLE	0	25,637	0	1,830
Danaher Corp	Com	235851102	2,020	15,298	SH		OTR	0	13,368	140	1,790
Deere & CO	Com	244199105	1,747	10,930	SH		SOLE	0	10,740	25	165
Deere & CO	Com	244199105	1,864	11,664	SH		OTR	0	11,594	70	0
Digital Realty Trust Inc REIT	Com	253868103	102	860	SH		SOLE	0	860	0	0
Digital Realty Trust Inc REIT	Com	253868103	142	1,196	SH		OTR	0	1,196	0	0
Disney Walt CO New	Com	254687106	4,708	42,401	SH		SOLE	0	41,616	0	785
Disney Walt CO New	Com	254687106	2,617	23,570	SH		OTR	0	21,615	570	1,385
Dominion Resources Inc	Com	25746U109	1,110	14,474	SH		SOLE	0	14,164	0	310
Dominion Resources Inc	Com	25746U109	957	12,480	SH		OTR	0	9,450	80	2,950
DowDuPont Inc	Com	26078J100	2,423	45,459	SH		SOLE	0	45,184	0	275
DowDuPont Inc	Com	26078J100	2,481	46,547	SH		OTR	0	42,367	152	4,028
Duke Energy Corp	Com	26441C204	295	3,281	SH		SOLE	0	2,948	333	0
Duke Energy Corp	Com	26441C204	168	1,862	SH		OTR	0	1,762	100	0
Ecolab Inc	Com	278865100	1,482	8,395	SH		SOLE	0	8,395	0	0
Ecolab Inc	Com	278865100	517	2,930	SH		OTR	0	2,440	40	450
Emerson Elec CO	Com	291011104	942	13,755	SH		SOLE	0	13,755	0	0
Emerson Elec CO	Com	291011104	444	6,481	SH		OTR	0	6,381	100	0
Exelon Corp	Com	30161N101	232	4,630	SH		SOLE	0	4,630	0	0
Exelon Corp	Com	30161N101	165	3,299	SH		OTR	0	2,949	0	350
Exxonmobil Corp	Com	30231G102	8,256	102,182	SH		SOLE	0	97,837	850	3,495
Exxonmobil Corp	Com	30231G102	6,092	75,402	SH		OTR	0	72,242	635	2,525
Facebook Inc-A	Com	30303M102	690	4,142	SH		SOLE	0	4,142	0	0
Facebook Inc-A	Com	30303M102	554	3,324	SH		OTR	0	3,324	0	0
Fiserv Inc	Com	337738108	689	7,806	SH		SOLE	0	7,806	0	0
Fiserv Inc	Com	337738108	112	1,274	SH		OTR	0	1,274	0	0
FlexShares Mstar Glbl Upstrm N	Com	33939L407	38,766	1,183,692	SH		SOLE	0	1,173,997	0	9,695
FlexShares Mstar Glbl Upstrm N	Com	33939L407	4,604	140,571	SH		OTR	0	132,519	340	7,712
Fortive Corp	Com	34959J108	554	6,605	SH		SOLE	0	5,995	0	610
Fortive Corp	Com	34959J108	210	2,499	SH		OTR	0	1,655	50	794
General Dynamics Corp	Com	369550108	906	5,351	SH		SOLE	0	5,201	0	150
General Dynamics Corp	Com	369550108	207	1,220	SH		OTR	0	1,170	0	50
General Electric Corp	Com	369604103	465	46,526	SH		SOLE	0	46,401	0	125
General Electric Corp	Com	369604103	656	65,699	SH		OTR	0	61,561	1,013	3,125
General Mls Inc	Com	370334104	635	12,268	SH		SOLE	0	12,268	0	0
General Mls Inc	Com	370334104	458	8,842	SH		OTR	0	6,997	100	1,745
Genuine Parts CO	Com	372460105	223	1,991	SH		SOLE	0	1,991	0	0
Gilead Sciences Inc	Com	375558103	263	4,042	SH		SOLE	0	4,042	0	0
Gilead Sciences Inc	Com	375558103	43	665	SH		OTR	0	665	0	0
Glaxo Smithkline Spons ADR	Com	37733W105	342	8,179	SH		SOLE	0	8,179	0	0
Glaxo Smithkline Spons ADR	Com	37733W105	289	6,912	SH		OTR	0	5,907	255	750
Goldman Sachs Group Inc	Com	38141G104	928	4,835	SH		SOLE	0	4,815	20	0
Goldman Sachs Group Inc	Com	38141G104	725	3,775	SH		OTR	0	3,775	0	0
Grainger W W Inc	Com	384802104	1,136	3,775	SH		SOLE	0	3,775	0	0
Grainger W W Inc	Com	384802104	877	2,915	SH		OTR	0	1,945	100	870
Home Depot Inc	Com	437076102	668	3,483	SH		SOLE	0	3,483	0	0
Home Depot Inc	Com	437076102	1,021	5,320	SH		OTR	0	4,995	0	325
Honeywell International Inc	Com	438516106	2,887	18,169	SH		SOLE	0	17,304	0	865
Honeywell International Inc	Com	438516106	1,212	7,625	SH		OTR	0	6,051	300	1,274
Illinois Tool Wks Inc	Com	452308109	288	2,004	SH		SOLE	0	2,004	0	0
Illinois Tool Wks Inc	Com	452308109	100	699	SH		OTR	0	699	0	0
Intel Corp	Com	458140100	6,751	125,714	SH		SOLE	0	122,514	1,200	2,000
Intel Corp	Com	458140100	2,363	43,999	SH		OTR	0	41,049	1,250	1,700
Intercontinental Exchange Inc	Com	45866F104	529	6,945	SH		SOLE	0	6,945	0	0
Intercontinental Exchange Inc	Com	45866F104	63	825	SH		OTR	0	625	0	200
Intl. Business Machines Corp	Com	459200101	2,109	14,949	SH		SOLE	0	13,509	435	1,005
Intl. Business Machines Corp	Com	459200101	1,970	13,961	SH		OTR	0	12,153	0	1,808
Ishares Core Total U.S. Aggreg	Com	464287226	213	1,955	SH		SOLE	0	1,955	0	0
Ishares Msci Emerging Mkt ETF	Com	464287234	2,900	67,557	SH		SOLE	0	66,731	525	301
Ishares Msci Emerging Mkt ETF	Com	464287234	676	15,749	SH		OTR	0	14,669	355	725
Ishares Msci Eafe ETF	Com	464287465	3,112	47,977	SH		SOLE	0	47,977	0	0
Ishares Msci Eafe ETF	Com	464287465	759	11,704	SH		OTR	0	11,094	285	325
Ishares Core S&P Mid-Cap ETF	Com	464287507	1,517	8,008	SH		SOLE	0	8,008	0	0
Ishares Core S&P Mid-Cap ETF	Com	464287507	511	2,696	SH		OTR	0	2,496	0	200
Ishares Nasdaq Biotech ETF	Com	464287556	2,825	25,272	SH		SOLE	0	24,684	96	492
Ishares Nasdaq Biotech ETF	Com	464287556	1,501	13,422	SH		OTR	0	12,612	660	150
Ishares Russell 2000 ETF	Com	464287655	5,194	33,930	SH		SOLE	0	33,147	0	783
Ishares Russell 2000 ETF	Com	464287655	581	3,798	SH		OTR	0	3,528	235	35
Ishares DJ US Telcom Sector ET	Com	464287713	838	28,188	SH		SOLE	0	28,188	0	0
Ishares DJ US Telcom Sector ET	Com	464287713	566	19,020	SH		OTR	0	18,820	200	0
Ishares Msci Eafe Small Cap ET	Com	464288273	2,305	40,130	SH		SOLE	0	39,430	0	700
Ishares Msci Eafe Small Cap ET	Com	464288273	278	4,845	SH		OTR	0	4,845	0	0
Ishares IBoxx High Yield Corpo	Com	464288513	1,217	14,080	SH		SOLE	0	14,080	0	0
Ishares IBoxx High Yield Corpo	Com	464288513	7	80	SH		OTR	0	80	0	0
ISHARES TR SHORT-TERM CORP BD	Com	464288646	237	4,478	SH		SOLE	0	4,478	0	0
Ishares S&P Pref Stk ETF	Com	464288687	2,477	67,780	SH		SOLE	0	67,780	0	0
Ishares S&P Pref Stk ETF	Com	464288687	672	18,379	SH		OTR	0	15,079	0	3,300
Ishares Aaa-A Rated Corp Bond	Com	46429B291	201	3,855	SH		SOLE	0	3,855	0	0
Ishares Core Emerging Markets	Com	46434G103	2,451	47,401	SH		SOLE	0	47,401	0	0
Ishares Core Emerging Markets	Com	46434G103	474	9,165	SH		OTR	0	9,165	0	0
JP Morgan Chase & CO	Com	46625H100	7,826	77,307	SH		SOLE	0	76,220	112	975
JP Morgan Chase & CO	Com	46625H100	4,877	48,173	SH		OTR	0	45,173	640	2,360
Johnson & Johnson	Com	478160104	9,738	69,660	SH		SOLE	0	65,567	150	3,943
Johnson & Johnson	Com	478160104	4,685	33,514	SH		OTR	0	29,519	320	3,675
Keycorp	Com	493267108	47	3,010	SH		SOLE	0	3,010	0	0
Keycorp	Com	493267108	131	8,300	SH		OTR	0	8,300	0	0
Kimberly Clark Corp	Com	494368103	525	4,238	SH		SOLE	0	4,238	0	0
Kimberly Clark Corp	Com	494368103	121	975	SH		OTR	0	975	0	0
Kohls Corp	Com	500255104	227	3,295	SH		SOLE	0	3,295	0	0
Kohls Corp	Com	500255104	41	600	SH		OTR	0	600	0	0
Kraft Heinz CO	Com	500754106	62	1,909	SH		SOLE	0	1,843	0	66
Kraft Heinz CO	Com	500754106	245	7,497	SH		OTR	0	7,417	46	34
Lilly Eli & CO	Com	532457108	437	3,370	SH		SOLE	0	2,842	0	528
Lilly Eli & CO	Com	532457108	816	6,285	SH		OTR	0	5,260	0	1,025
Lockheed Martin Corp	Com	539830109	2,511	8,365	SH		SOLE	0	7,850	0	515
Lockheed Martin Corp	Com	539830109	926	3,085	SH		OTR	0	3,085	0	0
Lowes Cos Inc	Com	548661107	6,179	56,445	SH		SOLE	0	56,045	25	375
Lowes Cos Inc	Com	548661107	3,152	28,797	SH		OTR	0	27,362	335	1,100
Mastercard Inc Cl A	Com	57636Q104	164	697	SH		SOLE	0	697	0	0
Mastercard Inc Cl A	Com	57636Q104	159	675	SH		OTR	0	675	0	0
McDonalds Corp	Com	580135101	7,333	38,613	SH		SOLE	0	38,508	75	30
McDonalds Corp	Com	580135101	3,958	20,843	SH		OTR	0	19,628	265	950
Merck & CO Inc	Com	58933Y105	3,630	43,647	SH		SOLE	0	42,172	675	800
Merck & CO Inc	Com	58933Y105	1,864	22,416	SH		OTR	0	21,426	165	825
Metlife Inc	Com	59156R108	369	8,661	SH		SOLE	0	8,661	0	0
Metlife Inc	Com	59156R108	107	2,525	SH		OTR	0	2,114	111	300
Microsoft Corp	Com	594918104	11,431	96,926	SH		SOLE	0	94,161	225	2,540
Microsoft Corp	Com	594918104	5,711	48,422	SH		OTR	0	44,052	870	3,500
Microchip Technology Inc	Com	595017104	1,537	18,530	SH		SOLE	0	18,530	0	0
Microchip Technology Inc	Com	595017104	480	5,785	SH		OTR	0	4,810	150	825
Mondelez International Inc	Com	609207105	529	10,590	SH		SOLE	0	9,976	0	614
Mondelez International Inc	Com	609207105	1,051	21,046	SH		OTR	0	20,805	138	103
NBT Bancorp Inc	Com	628778102	4,755	132,059	SH		SOLE	0	54,408	0	77,651
NBT Bancorp Inc	Com	628778102	1,791	49,723	SH		OTR	0	46,457	0	3,266
Nextera Energy Inc	Com	65339F101	1,667	8,623	SH		SOLE	0	8,173	0	450
Nextera Energy Inc	Com	65339F101	1,366	7,066	SH		OTR	0	5,026	30	2,010
Nike Inc-Class B	Com	654106103	2,172	25,792	SH		SOLE	0	25,792	0	0
Nike Inc-Class B	Com	654106103	1,190	14,130	SH		OTR	0	9,990	140	4,000
Norfolk Southern Corp	Com	655844108	995	5,323	SH		SOLE	0	5,323	0	0
Norfolk Southern Corp	Com	655844108	1,238	6,625	SH		OTR	0	5,355	70	1,200
Novartis Ag Spons ADR	Com	66987V109	1,697	17,655	SH		SOLE	0	17,655	0	0
Novartis Ag Spons ADR	Com	66987V109	1,158	12,044	SH		OTR	0	11,644	150	250
Nucor Corp	Com	670346105	542	9,295	SH		SOLE	0	9,295	0	0
Nucor Corp	Com	670346105	353	6,050	SH		OTR	0	4,050	0	2,000
Oracle Corporation	Com	68389X105	2,287	42,588	SH		SOLE	0	41,088	0	1,500
Oracle Corporation	Com	68389X105	485	9,035	SH		OTR	0	8,835	0	200
Pepsico Inc	Com	713448108	6,346	51,787	SH		SOLE	0	51,387	100	300
Pepsico Inc	Com	713448108	2,975	24,277	SH		OTR	0	23,097	370	810
Pfizer Inc	Com	717081103	4,938	116,282	SH		SOLE	0	113,182	0	3,100
Pfizer Inc	Com	717081103	2,986	70,319	SH		OTR	0	65,875	1,855	2,589
Philip Morris International	Com	718172109	745	8,429	SH		SOLE	0	7,604	0	825
Philip Morris International	Com	718172109	2,926	33,102	SH		OTR	0	32,802	150	150
T Rowe Price Group Inc	Com	74144T108	3,098	30,938	SH		SOLE	0	30,888	50	0
T Rowe Price Group Inc	Com	74144T108	1,683	16,811	SH		OTR	0	16,216	295	300
Procter & Gamble CO	Com	742718109	8,290	79,675	SH		SOLE	0	75,310	500	3,865
Procter & Gamble CO	Com	742718109	4,348	41,792	SH		OTR	0	37,227	405	4,160
Prudential Finl Inc	Com	744320102	1,566	17,039	SH		SOLE	0	16,989	50	0
Prudential Finl Inc	Com	744320102	1,094	11,905	SH		OTR	0	11,555	150	200
Public Service Enterprise Grou	Com	744573106	134	2,257	SH		SOLE	0	2,257	0	0
Public Service Enterprise Grou	Com	744573106	151	2,550	SH		OTR	0	2,550	0	0
Qualcomm Inc	Com	747525103	1,761	30,876	SH		SOLE	0	30,351	0	525
Qualcomm Inc	Com	747525103	918	16,104	SH		OTR	0	15,479	125	500
Royal Dutch Shell Spons ADR	Com	780259206	28	445	SH		SOLE	0	445	0	0
Royal Dutch Shell Spons ADR	Com	780259206	225	3,601	SH		OTR	0	3,351	0	250
SPDR S&P 500 ETF Trust	Com	78462F103	3,279	11,607	SH		SOLE	0	11,298	0	309
SPDR S&P 500 ETF Trust	Com	78462F103	932	3,298	SH		OTR	0	2,938	160	200
SPDR Portfolio Intermediate Te	Com	78464A375	678	19,828	SH		SOLE	0	19,828	0	0
SPDR S&P Regional Banking ETF	Com	78464A698	2,144	41,764	SH		SOLE	0	41,764	0	0
SPDR S&P Regional Banking ETF	Com	78464A698	1,110	21,622	SH		OTR	0	21,422	100	100
SPDR S&P Dividend ETF	Com	78464A763	10,726	107,892	SH		SOLE	0	107,892	0	0
SPDR S&P Dividend ETF	Com	78464A763	780	7,850	SH		OTR	0	7,450	0	400
Kbw Bank ETF	Com	78464A797	169	4,046	SH		SOLE	0	4,046	0	0
Kbw Bank ETF	Com	78464A797	47	1,130	SH		OTR	0	1,030	0	100
SPDR Dow Jones Industrial Aver	Com	78467X109	1,006	3,882	SH		SOLE	0	3,882	0	0
SPDR Dow Jones Industrial Aver	Com	78467X109	354	1,365	SH		OTR	0	1,165	100	100
Midcap SPDR Trust Series 1	Com	78467Y107	7,144	20,683	SH		SOLE	0	20,307	0	376
Midcap SPDR Trust Series 1	Com	78467Y107	850	2,461	SH		OTR	0	2,301	125	35
Salesforce.Com	Com	79466L302	998	6,302	SH		SOLE	0	6,282	20	0
Salesforce.Com	Com	79466L302	828	5,230	SH		OTR	0	5,230	0	0
Schlumberger Ltd	Com	806857108	1,602	36,768	SH		SOLE	0	36,053	0	715
Schlumberger Ltd	Com	806857108	469	10,773	SH		OTR	0	10,613	160	0
Charles Schwab Corp	Com	808513105	118	2,760	SH		SOLE	0	2,760	0	0
Charles Schwab Corp	Com	808513105	168	3,925	SH		OTR	0	3,925	0	0
Schwab US Dividend Equity ETF	Com	808524797	8,692	166,253	SH		SOLE	0	162,578	0	3,675
Schwab US Dividend Equity ETF	Com	808524797	337	6,450	SH		OTR	0	6,450	0	0
Materials Select SPDR Fund	Com	81369Y100	1,247	22,467	SH		SOLE	0	20,487	0	1,980
Materials Select SPDR Fund	Com	81369Y100	514	9,261	SH		OTR	0	8,431	375	455
Health Care Select Sector SPDR	Com	81369Y209	939	10,239	SH		SOLE	0	9,934	0	305
Health Care Select Sector SPDR	Com	81369Y209	205	2,239	SH		OTR	0	2,239	0	0
Consumer Staples Select Sector	Com	81369Y308	548	9,760	SH		SOLE	0	9,375	0	385
Consumer Staples Select Sector	Com	81369Y308	78	1,393	SH		OTR	0	1,103	100	190
Consumer Discretionary Selt	Com	81369Y407	1,420	12,470	SH		SOLE	0	10,730	0	1,740
Consumer Discretionary Selt	Com	81369Y407	158	1,387	SH		OTR	0	852	400	135
Energy Select Sector SPDR	Com	81369Y506	664	10,041	SH		SOLE	0	9,666	0	375
Energy Select Sector SPDR	Com	81369Y506	83	1,257	SH		OTR	0	1,024	80	153
Financial Select Sector SPDR	Com	81369Y605	911	35,416	SH		SOLE	0	33,916	0	1,500
Financial Select Sector SPDR	Com	81369Y605	88	3,441	SH		OTR	0	3,241	200	0
Industrial Select Sector SPDR	Com	81369Y704	1,078	14,366	SH		SOLE	0	14,316	0	50
Industrial Select Sector SPDR	Com	81369Y704	113	1,509	SH		OTR	0	1,409	0	100
Technology Select Sect SPDR	Com	81369Y803	1,919	25,928	SH		SOLE	0	25,566	162	200
Technology Select Sect SPDR	Com	81369Y803	191	2,587	SH		OTR	0	2,387	200	0
Real Estate Select Sect SPDR	Com	81369Y860	1,074	29,647	SH		SOLE	0	28,425	105	1,117
Real Estate Select Sect SPDR	Com	81369Y860	892	24,618	SH		OTR	0	24,447	46	125
Utilities Select Sector SPDR	Com	81369Y886	1,767	30,381	SH		SOLE	0	29,231	0	1,150
Utilities Select Sector SPDR	Com	81369Y886	1,116	19,186	SH		OTR	0	18,199	475	512
Southern Company	Com	842587107	1,086	21,016	SH		SOLE	0	21,016	0	0
Southern Company	Com	842587107	725	14,028	SH		OTR	0	13,903	0	125
Starbucks Corp	Com	855244109	53	711	SH		SOLE	0	711	0	0
Starbucks Corp	Com	855244109	253	3,400	SH		OTR	0	3,400	0	0
State Street Corp	Com	857477103	327	4,963	SH		SOLE	0	4,963	0	0
State Street Corp	Com	857477103	49	750	SH		OTR	0	575	0	175
Stryker Corporation	Com	863667101	554	2,805	SH		SOLE	0	2,805	0	0
Sysco Corp	Com	871829107	506	7,580	SH		SOLE	0	7,580	0	0
Sysco Corp	Com	871829107	496	7,424	SH		OTR	0	6,999	0	425
TJX Cos Inc	Com	872540109	2,136	40,149	SH		SOLE	0	38,849	300	1,000
TJX Cos Inc	Com	872540109	1,907	35,842	SH		OTR	0	34,816	340	686
Target Corp	Com	87612E106	2,130	26,541	SH		SOLE	0	26,266	0	275
Target Corp	Com	87612E106	1,239	15,437	SH		OTR	0	14,287	225	925
Textron Inc	Com	883203101	811	16,000	SH		SOLE	0	16,000	0	0
3m CO	Com	88579Y101	2,102	10,117	SH		SOLE	0	9,157	340	620
3m CO	Com	88579Y101	350	1,685	SH		OTR	0	1,350	35	300
US Bancorp New	Com	902973304	972	20,178	SH		SOLE	0	20,178	0	0
US Bancorp New	Com	902973304	310	6,429	SH		OTR	0	5,743	470	216
Union Pac Corp	Com	907818108	4,105	24,552	SH		SOLE	0	23,852	0	700
Union Pac Corp	Com	907818108	3,383	20,236	SH		OTR	0	17,616	0	2,620
United Parcel Service Cl B	Com	911312106	559	5,004	SH		SOLE	0	5,004	0	0
United Parcel Service Cl B	Com	911312106	203	1,816	SH		OTR	0	1,816	0	0
United Technologies Corp	Com	913017109	5,097	39,547	SH		SOLE	0	38,817	100	630
United Technologies Corp	Com	913017109	3,452	26,779	SH		OTR	0	24,843	1,186	750
Unitedhealth Group Inc	Com	91324P102	2,431	9,830	SH		SOLE	0	9,630	0	200
Unitedhealth Group Inc	Com	91324P102	1,086	4,392	SH		OTR	0	4,242	150	0
Univest Corp of Pennsylvania	Com	915271100	289	11,812	SH		OTR	0	11,812	0	0
V.F. Corp	Com	918204108	229	2,631	SH		SOLE	0	2,631	0	0
V.F. Corp	Com	918204108	45	513	SH		OTR	0	513	0	0
Vaneck Vectors Agribusiness ET	Com	92189F700	1,014	16,265	SH		SOLE	0	15,615	50	600
Vaneck Vectors Agribusiness ET	Com	92189F700	722	11,578	SH		OTR	0	11,353	125	100
Vanguard Intermediate-Term Bon	Com	921937819	353	4,200	SH		SOLE	0	4,200	0	0
Vanguard Intermediate-Term Bon	Com	921937819	31	375	SH		OTR	0	375	0	0
Vanguard Total Bond Market ETF	Com	921937835	273	3,361	SH		SOLE	0	3,361	0	0
Vanguard FTSE Developed Market	Com	921943858	98	2,408	SH		SOLE	0	2,408	0	0
Vanguard FTSE Developed Market	Com	921943858	157	3,830	SH		OTR	0	3,830	0	0
Vanguard Ftse Emerging Markets	Com	922042858	883	20,767	SH		SOLE	0	20,767	0	0
Vanguard Ftse Emerging Markets	Com	922042858	501	11,778	SH		OTR	0	11,228	0	550
Vanguard Inter Term Corp Bond	Com	92206C870	864	9,941	SH		SOLE	0	9,941	0	0
Vanguard Inter Term Corp Bond	Com	92206C870	230	2,650	SH		OTR	0	2,650	0	0
Vanguard S&P 500 ETF	Com	922908363	6,145	23,678	SH		SOLE	0	23,475	0	203
Vanguard Real Estate ETF	Com	922908553	1,380	15,882	SH		SOLE	0	15,882	0	0
Vanguard Real Estate ETF	Com	922908553	482	5,551	SH		OTR	0	5,212	239	100
Veoneer Incorporated Com	Com	92336X109	245	10,712	SH		SOLE	0	9,962	0	750
Veoneer Incorporated Com	Com	92336X109	283	12,394	SH		OTR	0	12,394	0	0
Verizon Communications	Com	92343V104	3,694	62,466	SH		SOLE	0	60,679	860	927
Verizon Communications	Com	92343V104	2,839	48,011	SH		OTR	0	45,480	460	2,071
Visa Inc Cl A	Com	92826C839	1,046	6,698	SH		SOLE	0	6,698	0	0
Visa Inc Cl A	Com	92826C839	729	4,670	SH		OTR	0	4,570	100	0
Wal Mart Inc	Com	931142103	1,517	15,552	SH		SOLE	0	15,152	0	400
Wal Mart Inc	Com	931142103	1,161	11,907	SH		OTR	0	10,541	300	1,066
Walgreens Boots Alliance Inc	Com	931427108	451	7,124	SH		SOLE	0	7,124	0	0
Walgreens Boots Alliance Inc	Com	931427108	104	1,651	SH		OTR	0	847	0	804
Wells Fargo & CO	Com	949746101	3,227	66,786	SH		SOLE	0	66,386	0	400
Wells Fargo & CO	Com	949746101	1,958	40,522	SH		OTR	0	35,591	1,005	3,926
WisdomTree MidCap Dividend ETF	Com	97717W505	4,644	129,752	SH		SOLE	0	127,372	0	2,380
WisdomTree MidCap Dividend ETF	Com	97717W505	414	11,565	SH		OTR	0	9,650	0	1,915
WisdomTree SmallCap Dividend E	Com	97717W604	2,383	86,526	SH		SOLE	0	84,841	0	1,685
WisdomTree SmallCap Dividend E	Com	97717W604	244	8,865	SH		OTR	0	8,030	0	835
Xcel Energy Inc	Com	98389B100	173	3,086	SH		SOLE	0	3,086	0	0
Xcel Energy Inc	Com	98389B100	44	775	SH		OTR	0	775	0	0
Xylem Inc	Com	98419M100	395	4,992	SH		SOLE	0	4,992	0	0
Xylem Inc	Com	98419M100	249	3,150	SH		OTR	0	3,150	0	0
Yum! Brands Inc	Com	988498101	528	5,286	SH		SOLE	0	5,286	0	0
Yum! Brands Inc	Com	988498101	109	1,095	SH		OTR	0	1,095	0	0
Zimmer Biomet Holdings Inc	Com	98956P102	337	2,638	SH		SOLE	0	2,308	60	270
Zimmer Biomet Holdings Inc	Com	98956P102	225	1,765	SH		OTR	0	1,642	23	100
Eaton Corp PLC	Com	G29183103	416	5,159	SH		SOLE	0	5,159	0	0
Eaton Corp PLC	Com	G29183103	496	6,159	SH		OTR	0	5,084	0	1,075
Linde PLC	Com	G5494J103	1,551	8,816	SH		SOLE	0	8,816	0	0
Linde PLC	Com	G5494J103	1,039	5,905	SH		OTR	0	4,780	0	1,125
Medtronic PLC	Com	G5960L103	1,166	12,802	SH		SOLE	0	12,802	0	0
Medtronic PLC	Com	G5960L103	820	9,004	SH		OTR	0	8,933	71	0