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	2,525	75,342	SH		SOLE	0	74,342	0	1,000
AT&T Inc	Com	00206R102	1,502	44,821	SH		OTR	0	39,158	400	5,263
Abbott Labs	Com	002824100	5,558	66,087	SH		SOLE	0	65,587	0	500
Abbott Labs	Com	002824100	1,974	23,475	SH		OTR	0	21,450	621	1,404
Abbvie Inc	Com	00287Y109	2,189	30,097	SH		SOLE	0	29,897	0	200
Abbvie Inc	Com	00287Y109	1,385	19,052	SH		OTR	0	17,187	395	1,470
Activision Blizzard, Inc	Com	00507V109	569	12,052	SH		SOLE	0	12,052	0	0
Activision Blizzard, Inc	Com	00507V109	299	6,330	SH		OTR	0	6,330	0	0
Air Products & Chemicals Inc	Com	009158106	1,592	7,032	SH		SOLE	0	7,032	0	0
Air Products & Chemicals Inc	Com	009158106	479	2,115	SH		OTR	0	2,115	0	0
Alphabet Inc Cl C	Com	02079K107	2,845	2,632	SH		SOLE	0	2,577	0	55
Alphabet Inc Cl C	Com	02079K107	2,209	2,044	SH		OTR	0	2,029	0	15
Alphabet Inc Cl A	Com	02079K305	1,990	1,838	SH		SOLE	0	1,818	0	20
Alphabet Inc Cl A	Com	02079K305	449	415	SH		OTR	0	415	0	0
Altria Group Inc	Com	02209S103	604	12,748	SH		SOLE	0	11,673	0	1,075
Altria Group Inc	Com	02209S103	1,903	40,200	SH		OTR	0	39,150	200	850
Amazon.Com Inc	Com	023135106	824	435	SH		SOLE	0	435	0	0
Amazon.Com Inc	Com	023135106	352	186	SH		OTR	0	186	0	0
American Express CO	Com	025816109	764	6,193	SH		SOLE	0	6,193	0	0
American Express CO	Com	025816109	191	1,546	SH		OTR	0	1,260	0	286
American Water Works CO Inc	Com	030420103	1,248	10,761	SH		SOLE	0	10,761	0	0
American Water Works CO Inc	Com	030420103	1,157	9,975	SH		OTR	0	7,865	100	2,010
Amgen Inc	Com	031162100	360	1,954	SH		SOLE	0	1,954	0	0
Amgen Inc	Com	031162100	347	1,885	SH		OTR	0	1,885	0	0
Anadarko Petroleum Corporation	Com	032511107	109	1,549	SH		SOLE	0	1,549	0	0
Anadarko Petroleum Corporation	Com	032511107	155	2,200	SH		OTR	0	2,200	0	0
Apache Corp	Com	037411105	542	18,713	SH		SOLE	0	18,713	0	0
Apache Corp	Com	037411105	367	12,685	SH		OTR	0	11,985	100	600
Apple Inc	Com	037833100	10,285	51,965	SH		SOLE	0	48,720	105	3,140
Apple Inc	Com	037833100	5,001	25,268	SH		OTR	0	23,533	790	945
Arrow Finl Corp	Com	042744102	600	17,268	SH		SOLE	0	9,998	0	7,270
Arrow Finl Corp	Com	042744102	121	3,477	SH		OTR	0	3,477	0	0
Autoliv Inc	Com	052800109	753	10,677	SH		SOLE	0	9,927	0	750
Autoliv Inc	Com	052800109	869	12,321	SH		OTR	0	12,321	0	0
Automatic Data Processing Inc	Com	053015103	4,256	25,741	SH		SOLE	0	25,461	0	280
Automatic Data Processing Inc	Com	053015103	1,397	8,448	SH		OTR	0	7,828	140	480
BP PLC Spons ADR	Com	055622104	106	2,546	SH		SOLE	0	2,546	0	0
BP PLC Spons ADR	Com	055622104	328	7,876	SH		OTR	0	7,676	0	200
Bank of America Corp	Com	060505104	467	16,103	SH		SOLE	0	16,103	0	0
Bank of America Corp	Com	060505104	394	13,575	SH		OTR	0	13,575	0	0
Bank of New York Mellon Corp	Com	064058100	479	10,859	SH		SOLE	0	10,859	0	0
Bank of New York Mellon Corp	Com	064058100	37	838	SH		OTR	0	338	0	500
Baxter Intl Inc	Com	071813109	672	8,204	SH		SOLE	0	8,204	0	0
Baxter Intl Inc	Com	071813109	348	4,249	SH		OTR	0	2,689	100	1,460
Becton Dickinson	Com	075887109	425	1,686	SH		SOLE	0	1,686	0	0
Becton Dickinson	Com	075887109	266	1,057	SH		OTR	0	1,057	0	0
Berkshire Hathaway Inc-Cl B	Com	084670702	2,542	11,925	SH		SOLE	0	11,695	30	200
Berkshire Hathaway Inc-Cl B	Com	084670702	1,858	8,718	SH		OTR	0	8,698	20	0
Best Buy Company Inc	Com	086516101	299	4,284	SH		SOLE	0	4,284	0	0
Best Buy Company Inc	Com	086516101	28	395	SH		OTR	0	395	0	0
BHP Group Ltd Spons ADR	Com	088606108	186	3,204	SH		SOLE	0	3,004	0	200
BHP Group Ltd Spons ADR	Com	088606108	103	1,775	SH		OTR	0	1,725	0	50
Biogen Inc	Com	09062X103	58	249	SH		SOLE	0	249	0	0
Biogen Inc	Com	09062X103	147	630	SH		OTR	0	630	0	0
Boeing CO	Com	097023105	1,779	4,887	SH		SOLE	0	4,652	0	235
Boeing CO	Com	097023105	2,902	7,971	SH		OTR	0	7,871	100	0
Bristol Myers Squibb CO	Com	110122108	3,080	67,909	SH		SOLE	0	65,064	725	2,120
Bristol Myers Squibb CO	Com	110122108	1,699	37,465	SH		OTR	0	33,935	480	3,050
Csx Corp	Com	126408103	239	3,084	SH		SOLE	0	3,084	0	0
Csx Corp	Com	126408103	252	3,260	SH		OTR	0	3,260	0	0
CVS Health Corp	Com	126650100	1,989	36,511	SH		SOLE	0	35,871	0	640
CVS Health Corp	Com	126650100	842	15,451	SH		OTR	0	13,436	340	1,675
Caterpillar Inc	Com	149123101	1,925	14,121	SH		SOLE	0	14,121	0	0
Caterpillar Inc	Com	149123101	1,224	8,980	SH		OTR	0	8,635	45	300
Celgene Corp	Com	151020104	246	2,660	SH		SOLE	0	2,660	0	0
Celgene Corp	Com	151020104	240	2,595	SH		OTR	0	2,595	0	0
Chevron Corporation	Com	166764100	5,964	47,930	SH		SOLE	0	46,490	425	1,015
Chevron Corporation	Com	166764100	4,516	36,290	SH		OTR	0	34,250	510	1,530
Cisco Systems Inc	Com	17275R102	4,057	74,130	SH		SOLE	0	71,375	0	2,755
Cisco Systems Inc	Com	17275R102	2,491	45,506	SH		OTR	0	44,501	525	480
Citigroup Inc	Com	172967424	714	10,202	SH		SOLE	0	10,202	0	0
Citigroup Inc	Com	172967424	521	7,445	SH		OTR	0	6,545	150	750
Clorox Company	Com	189054109	766	5,002	SH		SOLE	0	5,002	0	0
Clorox Company	Com	189054109	583	3,810	SH		OTR	0	3,325	0	485
Coca Cola CO	Com	191216100	2,398	47,084	SH		SOLE	0	41,184	1,100	4,800
Coca Cola CO	Com	191216100	1,563	30,695	SH		OTR	0	25,515	150	5,030
Colgate Palmolive CO	Com	194162103	1,209	16,870	SH		SOLE	0	14,970	500	1,400
Colgate Palmolive CO	Com	194162103	854	11,910	SH		OTR	0	10,210	0	1,700
ComCast Corp-Cl A	Com	20030N101	945	22,358	SH		SOLE	0	20,576	0	1,782
ComCast Corp-Cl A	Com	20030N101	362	8,561	SH		OTR	0	6,563	650	1,348
Conocophillips	Com	20825C104	604	9,900	SH		SOLE	0	9,700	100	100
Conocophillips	Com	20825C104	173	2,837	SH		OTR	0	2,587	100	150
Corning Inc	Com	219350105	404	12,156	SH		SOLE	0	12,156	0	0
Corning Inc	Com	219350105	420	12,650	SH		OTR	0	10,950	700	1,000
Corteva Inc Com	Com	22052L104	306	10,339	SH		SOLE	0	10,248	0	91
Corteva Inc Com	Com	22052L104	361	12,222	SH		OTR	0	10,981	34	1,207
Costco Wholesale Corp	Com	22160K105	318	1,204	SH		SOLE	0	1,204	0	0
Costco Wholesale Corp	Com	22160K105	362	1,369	SH		OTR	0	729	0	640
Danaher Corp	Com	235851102	3,803	26,608	SH		SOLE	0	24,778	0	1,830
Danaher Corp	Com	235851102	2,181	15,263	SH		OTR	0	13,333	140	1,790
Deere & CO	Com	244199105	1,738	10,490	SH		SOLE	0	10,300	25	165
Deere & CO	Com	244199105	1,932	11,659	SH		OTR	0	11,589	70	0
Digital Realty Trust Inc REIT	Com	253868103	101	860	SH		SOLE	0	860	0	0
Digital Realty Trust Inc REIT	Com	253868103	141	1,196	SH		OTR	0	1,196	0	0
Disney Walt CO New	Com	254687106	5,551	39,752	SH		SOLE	0	38,967	0	785
Disney Walt CO New	Com	254687106	3,252	23,291	SH		OTR	0	21,566	570	1,155
Dominion Resources Inc	Com	25746U109	1,158	14,972	SH		SOLE	0	14,662	0	310
Dominion Resources Inc	Com	25746U109	955	12,355	SH		OTR	0	9,325	80	2,950
Dow Inc Com	Com	260557103	681	13,804	SH		SOLE	0	13,713	0	91
Dow Inc Com	Com	260557103	753	15,264	SH		OTR	0	13,974	50	1,240
Duke Energy Corp	Com	26441C204	267	3,028	SH		SOLE	0	2,695	333	0
Duke Energy Corp	Com	26441C204	164	1,862	SH		OTR	0	1,762	100	0
Dupont De Nemours Inc	Com	26614N102	1,058	14,099	SH		SOLE	0	14,008	0	91
Dupont De Nemours Inc	Com	26614N102	1,165	15,520	SH		OTR	0	14,130	50	1,340
Ecolab Inc	Com	278865100	1,639	8,300	SH		SOLE	0	8,300	0	0
Ecolab Inc	Com	278865100	578	2,930	SH		OTR	0	2,440	40	450
Emerson Elec CO	Com	291011104	889	13,317	SH		SOLE	0	13,317	0	0
Emerson Elec CO	Com	291011104	432	6,481	SH		OTR	0	6,381	100	0
Exelon Corp	Com	30161N101	209	4,355	SH		SOLE	0	4,355	0	0
Exelon Corp	Com	30161N101	171	3,565	SH		OTR	0	3,215	0	350
Exxonmobil Corp	Com	30231G102	7,566	98,736	SH		SOLE	0	94,391	850	3,495
Exxonmobil Corp	Com	30231G102	5,751	75,044	SH		OTR	0	72,049	635	2,360
Facebook Inc-A	Com	30303M102	932	4,830	SH		SOLE	0	4,830	0	0
Facebook Inc-A	Com	30303M102	756	3,919	SH		OTR	0	3,919	0	0
Fiserv Inc	Com	337738108	705	7,732	SH		SOLE	0	7,732	0	0
Fiserv Inc	Com	337738108	116	1,274	SH		OTR	0	1,274	0	0
FlexShares Mstar Glbl Upstrm N	Com	33939L407	39,377	1,192,890	SH		SOLE	0	1,183,927	0	8,963
FlexShares Mstar Glbl Upstrm N	Com	33939L407	4,778	144,756	SH		OTR	0	136,359	340	8,057
FlexShares Global Quality Real	Com	33939L787	511	8,050	SH		SOLE	0	8,050	0	0
FlexShares Global Quality Real	Com	33939L787	2	30	SH		OTR	0	30	0	0
FlexShares STOXX Glbl Brd Infr	Com	33939L795	4,225	82,834	SH		SOLE	0	82,809	0	25
FlexShares STOXX Glbl Brd Infr	Com	33939L795	264	5,180	SH		OTR	0	4,475	0	705
FlexShares International Quali	Com	33939L837	266	11,545	SH		SOLE	0	11,545	0	0
FlexShares International Quali	Com	33939L837	84	3,655	SH		OTR	0	3,655	0	0
Fortive Corp	Com	34959J108	512	6,285	SH		SOLE	0	5,675	0	610
Fortive Corp	Com	34959J108	204	2,499	SH		OTR	0	1,655	50	794
General Dynamics Corp	Com	369550108	969	5,329	SH		SOLE	0	5,179	0	150
General Dynamics Corp	Com	369550108	222	1,220	SH		OTR	0	1,170	0	50
General Electric Corp	Com	369604103	468	44,576	SH		SOLE	0	44,451	0	125
General Electric Corp	Com	369604103	631	60,082	SH		OTR	0	58,157	300	1,625
General Mls Inc	Com	370334104	577	10,989	SH		SOLE	0	10,989	0	0
General Mls Inc	Com	370334104	455	8,670	SH		OTR	0	6,825	100	1,745
Genuine Parts CO	Com	372460105	204	1,966	SH		SOLE	0	1,966	0	0
Gilead Sciences Inc	Com	375558103	266	3,942	SH		SOLE	0	3,942	0	0
Gilead Sciences Inc	Com	375558103	45	665	SH		OTR	0	665	0	0
Glaxo Smithkline Spons ADR	Com	37733W105	323	8,079	SH		SOLE	0	8,079	0	0
Glaxo Smithkline Spons ADR	Com	37733W105	277	6,912	SH		OTR	0	5,907	255	750
Goldman Sachs Group Inc	Com	38141G104	931	4,552	SH		SOLE	0	4,532	20	0
Goldman Sachs Group Inc	Com	38141G104	772	3,775	SH		OTR	0	3,775	0	0
Grainger W W Inc	Com	384802104	972	3,625	SH		SOLE	0	3,625	0	0
Grainger W W Inc	Com	384802104	742	2,765	SH		OTR	0	1,795	100	870
Home Depot Inc	Com	437076102	705	3,389	SH		SOLE	0	3,389	0	0
Home Depot Inc	Com	437076102	1,153	5,545	SH		OTR	0	4,995	50	500
Honeywell International Inc	Com	438516106	3,130	17,926	SH		SOLE	0	17,061	0	865
Honeywell International Inc	Com	438516106	1,308	7,489	SH		OTR	0	5,915	300	1,274
Illinois Tool Wks Inc	Com	452308109	302	2,004	SH		SOLE	0	2,004	0	0
Illinois Tool Wks Inc	Com	452308109	90	600	SH		OTR	0	600	0	0
Intel Corp	Com	458140100	5,719	119,460	SH		SOLE	0	116,760	1,200	1,500
Intel Corp	Com	458140100	2,117	44,224	SH		OTR	0	41,274	1,250	1,700
Intercontinental Exchange Inc	Com	45866F104	556	6,470	SH		SOLE	0	6,470	0	0
Intercontinental Exchange Inc	Com	45866F104	71	825	SH		OTR	0	625	0	200
Intl. Business Machines Corp	Com	459200101	1,980	14,355	SH		SOLE	0	12,915	435	1,005
Intl. Business Machines Corp	Com	459200101	1,858	13,471	SH		OTR	0	11,888	0	1,583
Ishares Msci Emerging Mkt ETF	Com	464287234	3,075	71,662	SH		SOLE	0	70,836	525	301
Ishares Msci Emerging Mkt ETF	Com	464287234	711	16,574	SH		OTR	0	15,494	355	725
Ishares Msci Eafe ETF	Com	464287465	3,173	48,273	SH		SOLE	0	48,273	0	0
Ishares Msci Eafe ETF	Com	464287465	805	12,254	SH		OTR	0	11,644	285	325
Ishares Russell Mid Cap ETF	Com	464287499	206	3,695	SH		SOLE	0	3,695	0	0
Ishares Core S&P Mid-Cap ETF	Com	464287507	1,552	7,990	SH		SOLE	0	7,990	0	0
Ishares Core S&P Mid-Cap ETF	Com	464287507	524	2,696	SH		OTR	0	2,496	0	200
Ishares Nasdaq Biotech ETF	Com	464287556	2,695	24,698	SH		SOLE	0	24,110	96	492
Ishares Nasdaq Biotech ETF	Com	464287556	1,423	13,042	SH		OTR	0	12,277	615	150
Ishares S&P Midcap 400/Grwth E	Com	464287606	210	926	SH		SOLE	0	926	0	0
Ishares Russell 2000 ETF	Com	464287655	5,027	32,326	SH		SOLE	0	31,543	0	783
Ishares Russell 2000 ETF	Com	464287655	602	3,873	SH		OTR	0	3,603	235	35
Ishares DJ US Telcom Sector ET	Com	464287713	841	28,546	SH		SOLE	0	28,546	0	0
Ishares DJ US Telcom Sector ET	Com	464287713	560	19,020	SH		OTR	0	18,820	200	0
Ishares Msci Eafe Small Cap ET	Com	464288273	2,830	49,310	SH		SOLE	0	48,190	0	1,120
Ishares Msci Eafe Small Cap ET	Com	464288273	490	8,545	SH		OTR	0	8,405	0	140
Ishares IBoxx High Yield Corpo	Com	464288513	1,307	14,995	SH		SOLE	0	14,995	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	239	4,478	SH		SOLE	0	4,478	0	0
Ishares S&P Pref Stk ETF	Com	464288687	2,420	65,672	SH		SOLE	0	65,672	0	0
Ishares S&P Pref Stk ETF	Com	464288687	702	19,059	SH		OTR	0	15,079	0	3,980
Ishares Aaa-A Rated Corp Bond	Com	46429B291	207	3,855	SH		SOLE	0	3,855	0	0
Ishares Core Emerging Markets	Com	46434G103	3,465	67,361	SH		SOLE	0	67,361	0	0
Ishares Core Emerging Markets	Com	46434G103	674	13,105	SH		OTR	0	13,105	0	0
JP Morgan Chase & CO	Com	46625H100	8,213	73,463	SH		SOLE	0	72,376	112	975
JP Morgan Chase & CO	Com	46625H100	5,408	48,376	SH		OTR	0	45,376	640	2,360
Johnson & Johnson	Com	478160104	9,170	65,842	SH		SOLE	0	61,749	150	3,943
Johnson & Johnson	Com	478160104	4,608	33,081	SH		OTR	0	29,221	320	3,540
Keycorp	Com	493267108	49	2,762	SH		SOLE	0	2,762	0	0
Keycorp	Com	493267108	147	8,300	SH		OTR	0	8,300	0	0
Kimberly Clark Corp	Com	494368103	525	3,938	SH		SOLE	0	3,938	0	0
Kimberly Clark Corp	Com	494368103	130	975	SH		OTR	0	975	0	0
Kraft Heinz CO	Com	500754106	67	2,144	SH		SOLE	0	2,078	0	66
Kraft Heinz CO	Com	500754106	230	7,397	SH		OTR	0	7,317	46	34
Lilly Eli & CO	Com	532457108	257	2,320	SH		SOLE	0	1,792	0	528
Lilly Eli & CO	Com	532457108	696	6,285	SH		OTR	0	5,260	0	1,025
Lockheed Martin Corp	Com	539830109	2,907	7,997	SH		SOLE	0	7,482	0	515
Lockheed Martin Corp	Com	539830109	1,121	3,084	SH		OTR	0	3,084	0	0
Lowes Cos Inc	Com	548661107	5,340	52,920	SH		SOLE	0	52,520	25	375
Lowes Cos Inc	Com	548661107	2,777	27,522	SH		OTR	0	26,187	335	1,000
Mastercard Inc Cl A	Com	57636Q104	146	553	SH		SOLE	0	553	0	0
Mastercard Inc Cl A	Com	57636Q104	179	675	SH		OTR	0	675	0	0
McDonalds Corp	Com	580135101	7,565	36,428	SH		SOLE	0	36,323	75	30
McDonalds Corp	Com	580135101	4,333	20,866	SH		OTR	0	19,651	265	950
Merck & CO Inc	Com	58933Y105	3,590	42,814	SH		SOLE	0	41,339	675	800
Merck & CO Inc	Com	58933Y105	1,946	23,212	SH		OTR	0	22,222	165	825
Metlife Inc	Com	59156R108	398	8,011	SH		SOLE	0	8,011	0	0
Metlife Inc	Com	59156R108	125	2,525	SH		OTR	0	2,114	111	300
Microsoft Corp	Com	594918104	11,969	89,346	SH		SOLE	0	86,581	225	2,540
Microsoft Corp	Com	594918104	6,532	48,762	SH		OTR	0	44,472	870	3,420
Microchip Technology Inc	Com	595017104	1,578	18,205	SH		SOLE	0	18,205	0	0
Microchip Technology Inc	Com	595017104	501	5,783	SH		OTR	0	4,808	150	825
Mondelez International Inc	Com	609207105	559	10,370	SH		SOLE	0	9,756	0	614
Mondelez International Inc	Com	609207105	1,134	21,046	SH		OTR	0	20,805	138	103
NBT Bancorp Inc	Com	628778102	5,009	133,532	SH		SOLE	0	55,881	0	77,651
NBT Bancorp Inc	Com	628778102	1,481	39,493	SH		OTR	0	36,227	0	3,266
Nextera Energy Inc	Com	65339F101	1,688	8,240	SH		SOLE	0	7,790	0	450
Nextera Energy Inc	Com	65339F101	1,413	6,897	SH		OTR	0	4,937	30	1,930
Nike Inc-Class B	Com	654106103	2,030	24,177	SH		SOLE	0	24,177	0	0
Nike Inc-Class B	Com	654106103	1,144	13,624	SH		OTR	0	9,484	140	4,000
Norfolk Southern Corp	Com	655844108	1,051	5,273	SH		SOLE	0	5,273	0	0
Norfolk Southern Corp	Com	655844108	1,286	6,450	SH		OTR	0	5,355	70	1,025
Novartis Ag Spons ADR	Com	66987V109	1,488	16,299	SH		SOLE	0	16,299	0	0
Novartis Ag Spons ADR	Com	66987V109	1,097	12,012	SH		OTR	0	11,612	150	250
Nucor Corp	Com	670346105	490	8,892	SH		SOLE	0	8,892	0	0
Nucor Corp	Com	670346105	344	6,250	SH		OTR	0	4,250	0	2,000
Oracle Corporation	Com	68389X105	2,228	39,112	SH		SOLE	0	37,612	0	1,500
Oracle Corporation	Com	68389X105	498	8,735	SH		OTR	0	8,535	0	200
Pepsico Inc	Com	713448108	6,513	49,669	SH		SOLE	0	49,269	100	300
Pepsico Inc	Com	713448108	3,183	24,271	SH		OTR	0	23,091	370	810
Pfizer Inc	Com	717081103	4,919	113,561	SH		SOLE	0	110,461	0	3,100
Pfizer Inc	Com	717081103	3,109	71,766	SH		OTR	0	67,437	1,740	2,589
Philip Morris International	Com	718172109	649	8,259	SH		SOLE	0	7,434	0	825
Philip Morris International	Com	718172109	2,584	32,902	SH		OTR	0	32,602	150	150
T Rowe Price Group Inc	Com	74144T108	3,187	29,053	SH		SOLE	0	29,003	50	0
T Rowe Price Group Inc	Com	74144T108	1,835	16,722	SH		OTR	0	16,127	295	300
Procter & Gamble CO	Com	742718109	8,384	76,465	SH		SOLE	0	72,100	500	3,865
Procter & Gamble CO	Com	742718109	4,562	41,608	SH		OTR	0	37,103	405	4,100
Prudential Finl Inc	Com	744320102	1,647	16,303	SH		SOLE	0	16,253	50	0
Prudential Finl Inc	Com	744320102	1,194	11,822	SH		OTR	0	11,472	150	200
Public Service Enterprise Grou	Com	744573106	120	2,032	SH		SOLE	0	2,032	0	0
Public Service Enterprise Grou	Com	744573106	150	2,550	SH		OTR	0	2,550	0	0
Qualcomm Inc	Com	747525103	2,107	27,703	SH		SOLE	0	27,278	0	425
Qualcomm Inc	Com	747525103	1,003	13,184	SH		OTR	0	12,559	125	500
Royal Dutch Shell Spons ADR	Com	780259206	29	445	SH		SOLE	0	445	0	0
Royal Dutch Shell Spons ADR	Com	780259206	234	3,601	SH		OTR	0	3,351	0	250
SPDR S&P 500 ETF Trust	Com	78462F103	3,269	11,157	SH		SOLE	0	10,848	0	309
SPDR S&P 500 ETF Trust	Com	78462F103	966	3,298	SH		OTR	0	2,938	160	200
SPDR Gold Trust	Com	78463V107	243	1,824	SH		SOLE	0	1,824	0	0
SPDR Gold Trust	Com	78463V107	7	50	SH		OTR	0	50	0	0
SPDR Portfolio Developed Wld e	Com	78463X889	6,708	226,714	SH		SOLE	0	226,714	0	0
SPDR Portfolio Developed Wld e	Com	78463X889	845	28,565	SH		OTR	0	28,565	0	0
SPDR Portfolio Intermediate Te	Com	78464A375	693	19,828	SH		SOLE	0	19,828	0	0
SPDR S&P Regional Banking ETF	Com	78464A698	2,151	40,267	SH		SOLE	0	40,267	0	0
SPDR S&P Regional Banking ETF	Com	78464A698	1,155	21,612	SH		OTR	0	21,412	100	100
SPDR S&P Dividend ETF	Com	78464A763	10,880	107,852	SH		SOLE	0	107,852	0	0
SPDR S&P Dividend ETF	Com	78464A763	792	7,850	SH		OTR	0	7,450	0	400
SPDR S&P Bank ETF	Com	78464A797	175	4,039	SH		SOLE	0	4,039	0	0
SPDR S&P Bank ETF	Com	78464A797	49	1,130	SH		OTR	0	1,030	0	100
SPDR Dow Jones Industrial Aver	Com	78467X109	1,020	3,835	SH		SOLE	0	3,835	0	0
SPDR Dow Jones Industrial Aver	Com	78467X109	336	1,265	SH		OTR	0	1,165	0	100
Midcap SPDR Trust Series 1	Com	78467Y107	6,990	19,712	SH		SOLE	0	19,336	0	376
Midcap SPDR Trust Series 1	Com	78467Y107	899	2,536	SH		OTR	0	2,376	125	35
Salesforce.Com	Com	79466L302	989	6,517	SH		SOLE	0	6,497	20	0
Salesforce.Com	Com	79466L302	807	5,320	SH		OTR	0	5,320	0	0
Schlumberger Ltd	Com	806857108	1,395	35,096	SH		SOLE	0	34,381	0	715
Schlumberger Ltd	Com	806857108	441	11,085	SH		OTR	0	10,925	160	0
Charles Schwab Corp	Com	808513105	149	3,705	SH		SOLE	0	3,705	0	0
Charles Schwab Corp	Com	808513105	182	4,525	SH		OTR	0	4,225	0	300
Schwab Fundamental Intl Lg Co	Com	808524755	223	8,015	SH		SOLE	0	8,015	0	0
Schwab US Dividend Equity ETF	Com	808524797	5,875	110,709	SH		SOLE	0	106,378	0	4,331
Schwab US Dividend Equity ETF	Com	808524797	616	11,600	SH		OTR	0	11,600	0	0
Schwab International Equity ET	Com	808524805	214	6,660	SH		SOLE	0	6,660	0	0
Materials Select SPDR Fund	Com	81369Y100	1,284	21,944	SH		SOLE	0	19,964	0	1,980
Materials Select SPDR Fund	Com	81369Y100	529	9,041	SH		OTR	0	8,211	375	455
Health Care Select Sector SPDR	Com	81369Y209	940	10,146	SH		SOLE	0	9,841	0	305
Health Care Select Sector SPDR	Com	81369Y209	197	2,130	SH		OTR	0	2,130	0	0
Consumer Staples Select Sector	Com	81369Y308	562	9,674	SH		SOLE	0	9,289	0	385
Consumer Staples Select Sector	Com	81369Y308	74	1,277	SH		OTR	0	987	100	190
Consumer Discretionary Selt	Com	81369Y407	1,455	12,207	SH		SOLE	0	10,467	0	1,740
Consumer Discretionary Selt	Com	81369Y407	156	1,305	SH		OTR	0	770	400	135
Energy Select Sector SPDR	Com	81369Y506	628	9,858	SH		SOLE	0	9,483	0	375
Energy Select Sector SPDR	Com	81369Y506	63	993	SH		OTR	0	760	80	153
Financial Select Sector SPDR	Com	81369Y605	911	32,997	SH		SOLE	0	31,497	0	1,500
Financial Select Sector SPDR	Com	81369Y605	32	1,160	SH		OTR	0	960	200	0
Industrial Select Sector SPDR	Com	81369Y704	1,061	13,701	SH		SOLE	0	13,651	0	50
Industrial Select Sector SPDR	Com	81369Y704	108	1,400	SH		OTR	0	1,300	0	100
Technology Select Sect SPDR	Com	81369Y803	1,986	25,452	SH		SOLE	0	25,090	162	200
Technology Select Sect SPDR	Com	81369Y803	202	2,587	SH		OTR	0	2,387	200	0
Real Estate Select Sect SPDR	Com	81369Y860	1,063	28,920	SH		SOLE	0	27,698	105	1,117
Real Estate Select Sect SPDR	Com	81369Y860	1,004	27,299	SH		OTR	0	27,128	46	125
Utilities Select Sector SPDR	Com	81369Y886	1,804	30,254	SH		SOLE	0	29,104	0	1,150
Utilities Select Sector SPDR	Com	81369Y886	1,125	18,858	SH		OTR	0	17,871	475	512
Southern Company	Com	842587107	1,062	19,210	SH		SOLE	0	19,210	0	0
Southern Company	Com	842587107	778	14,069	SH		OTR	0	13,944	0	125
Starbucks Corp	Com	855244109	60	711	SH		SOLE	0	711	0	0
Starbucks Corp	Com	855244109	285	3,400	SH		OTR	0	3,400	0	0
State Street Corp	Com	857477103	230	4,098	SH		SOLE	0	4,098	0	0
State Street Corp	Com	857477103	42	750	SH		OTR	0	575	0	175
Stryker Corporation	Com	863667101	378	1,840	SH		SOLE	0	1,840	0	0
Sysco Corp	Com	871829107	536	7,580	SH		SOLE	0	7,580	0	0
Sysco Corp	Com	871829107	514	7,274	SH		OTR	0	6,849	0	425
TJX Cos Inc	Com	872540109	1,886	35,659	SH		SOLE	0	34,359	300	1,000
TJX Cos Inc	Com	872540109	1,757	33,222	SH		OTR	0	32,196	340	686
Target Corp	Com	87612E106	2,302	26,579	SH		SOLE	0	26,304	0	275
Target Corp	Com	87612E106	1,337	15,432	SH		OTR	0	14,042	225	1,165
Textron Inc	Com	883203101	849	16,000	SH		SOLE	0	16,000	0	0
3m CO	Com	88579Y101	1,734	10,002	SH		SOLE	0	9,042	340	620
3m CO	Com	88579Y101	292	1,685	SH		OTR	0	1,350	35	300
US Bancorp New	Com	902973304	981	18,722	SH		SOLE	0	18,722	0	0
US Bancorp New	Com	902973304	328	6,265	SH		OTR	0	5,579	470	216
Union Pac Corp	Com	907818108	3,960	23,414	SH		SOLE	0	22,714	0	700
Union Pac Corp	Com	907818108	3,309	19,565	SH		OTR	0	17,158	0	2,407
United Parcel Service Cl B	Com	911312106	477	4,616	SH		SOLE	0	4,616	0	0
United Parcel Service Cl B	Com	911312106	208	2,016	SH		OTR	0	2,016	0	0
United Technologies Corp	Com	913017109	4,980	38,248	SH		SOLE	0	37,518	100	630
United Technologies Corp	Com	913017109	3,456	26,547	SH		OTR	0	24,506	1,186	855
Unitedhealth Group Inc	Com	91324P102	2,252	9,228	SH		SOLE	0	9,028	0	200
Unitedhealth Group Inc	Com	91324P102	1,066	4,367	SH		OTR	0	4,237	130	0
Univest Corp of Pennsylvania	Com	915271100	310	11,812	SH		OTR	0	11,812	0	0
Vaneck Vectors Agribusiness ET	Com	92189F700	1,037	15,531	SH		SOLE	0	14,881	50	600
Vaneck Vectors Agribusiness ET	Com	92189F700	760	11,373	SH		OTR	0	11,148	125	100
Vanguard Intermediate-Term Bon	Com	921937819	346	4,000	SH		SOLE	0	4,000	0	0
Vanguard Intermediate-Term Bon	Com	921937819	32	375	SH		OTR	0	375	0	0
Vanguard Total Bond Market ETF	Com	921937835	330	3,976	SH		SOLE	0	3,976	0	0
Vanguard FTSE Developed Market	Com	921943858	100	2,408	SH		SOLE	0	2,408	0	0
Vanguard FTSE Developed Market	Com	921943858	153	3,680	SH		OTR	0	3,680	0	0
Vanguard Ftse Emerging Markets	Com	922042858	822	19,338	SH		SOLE	0	19,338	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	893	9,941	SH		SOLE	0	9,941	0	0
Vanguard Inter Term Corp Bond	Com	92206C870	238	2,650	SH		OTR	0	2,650	0	0
Vanguard S&P 500 ETF	Com	922908363	6,373	23,678	SH		SOLE	0	23,475	0	203
Vanguard Real Estate ETF	Com	922908553	1,345	15,387	SH		SOLE	0	15,387	0	0
Vanguard Real Estate ETF	Com	922908553	494	5,654	SH		OTR	0	5,315	239	100
Veoneer Incorporated Com	Com	92336X109	185	10,712	SH		SOLE	0	9,962	0	750
Veoneer Incorporated Com	Com	92336X109	215	12,394	SH		OTR	0	12,394	0	0
Verizon Communications	Com	92343V104	3,435	60,120	SH		SOLE	0	58,333	860	927
Verizon Communications	Com	92343V104	2,780	48,666	SH		OTR	0	45,780	460	2,426
Visa Inc Cl A	Com	92826C839	1,103	6,353	SH		SOLE	0	6,353	0	0
Visa Inc Cl A	Com	92826C839	809	4,660	SH		OTR	0	4,560	100	0
Wal Mart Inc	Com	931142103	1,663	15,049	SH		SOLE	0	14,649	0	400
Wal Mart Inc	Com	931142103	1,314	11,894	SH		OTR	0	10,478	350	1,066
Walgreens Boots Alliance Inc	Com	931427108	283	5,177	SH		SOLE	0	5,177	0	0
Walgreens Boots Alliance Inc	Com	931427108	85	1,549	SH		OTR	0	745	0	804
Wells Fargo & CO	Com	949746101	2,184	46,144	SH		SOLE	0	45,744	0	400
Wells Fargo & CO	Com	949746101	996	21,048	SH		OTR	0	17,743	1,005	2,300
WisdomTree MidCap Dividend ETF	Com	97717W505	3,662	101,154	SH		SOLE	0	98,306	0	2,848
WisdomTree MidCap Dividend ETF	Com	97717W505	703	19,425	SH		OTR	0	14,295	0	5,130
WisdomTree SmallCap Dividend E	Com	97717W604	1,860	68,612	SH		SOLE	0	66,740	0	1,872
WisdomTree SmallCap Dividend E	Com	97717W604	347	12,795	SH		OTR	0	11,760	0	1,035
Xcel Energy Inc	Com	98389B100	184	3,086	SH		SOLE	0	3,086	0	0
Xcel Energy Inc	Com	98389B100	46	775	SH		OTR	0	775	0	0
Xylem Inc	Com	98419M100	389	4,649	SH		SOLE	0	4,649	0	0
Xylem Inc	Com	98419M100	263	3,150	SH		OTR	0	3,150	0	0
Yum! Brands Inc	Com	988498101	513	4,638	SH		SOLE	0	4,638	0	0
Yum! Brands Inc	Com	988498101	112	1,014	SH		OTR	0	1,014	0	0
Zimmer Biomet Holdings Inc	Com	98956P102	345	2,928	SH		SOLE	0	2,598	60	270
Zimmer Biomet Holdings Inc	Com	98956P102	187	1,585	SH		OTR	0	1,462	23	100
Eaton Corp PLC	Com	G29183103	421	5,059	SH		SOLE	0	5,059	0	0
Eaton Corp PLC	Com	G29183103	513	6,159	SH		OTR	0	5,084	0	1,075
Linde PLC	Com	G5494J103	1,636	8,148	SH		SOLE	0	8,148	0	0
Linde PLC	Com	G5494J103	1,134	5,649	SH		OTR	0	4,524	0	1,125
Medtronic PLC	Com	G5960L103	1,149	11,793	SH		SOLE	0	11,793	0	0
Medtronic PLC	Com	G5960L103	876	8,998	SH		OTR	0	8,927	71	0
Alcon Inc ORD Shs	Com	H01301128	161	2,598	SH		SOLE	0	2,598	0	0
Alcon Inc ORD Shs	Com	H01301128	141	2,269	SH		OTR	0	2,239	30	0