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	2,732	72,208	SH		SOLE	0	70,808	0	1,400
AT&T Inc	Com	00206R102	1,718	45,415	SH		OTR	0	39,752	400	5,263
Abbott Labs	Com	002824100	5,538	66,191	SH		SOLE	0	65,691	0	500
Abbott Labs	Com	002824100	1,985	23,730	SH		OTR	0	21,705	621	1,404
Abbvie Inc	Com	00287Y109	2,207	29,145	SH		SOLE	0	28,945	0	200
Abbvie Inc	Com	00287Y109	1,446	19,092	SH		OTR	0	17,327	295	1,470
Activision Blizzard, Inc	Com	00507V109	521	9,837	SH		SOLE	0	9,837	0	0
Activision Blizzard, Inc	Com	00507V109	343	6,475	SH		OTR	0	6,475	0	0
Air Products & Chemicals Inc	Com	009158106	1,499	6,758	SH		SOLE	0	6,758	0	0
Air Products & Chemicals Inc	Com	009158106	469	2,115	SH		OTR	0	2,115	0	0
Alphabet Inc Cl C	Com	02079K107	2,917	2,393	SH		SOLE	0	2,338	0	55
Alphabet Inc Cl C	Com	02079K107	2,528	2,074	SH		OTR	0	2,059	0	15
Alphabet Inc Cl A	Com	02079K305	2,595	2,125	SH		SOLE	0	2,105	0	20
Alphabet Inc Cl A	Com	02079K305	525	430	SH		OTR	0	430	0	0
Altria Group Inc	Com	02209S103	509	12,448	SH		SOLE	0	11,373	0	1,075
Altria Group Inc	Com	02209S103	1,524	37,250	SH		OTR	0	36,350	200	700
Amazon.Com Inc	Com	023135106	1,038	598	SH		SOLE	0	598	0	0
Amazon.Com Inc	Com	023135106	352	203	SH		OTR	0	203	0	0
American Express CO	Com	025816109	700	5,915	SH		SOLE	0	5,915	0	0
American Express CO	Com	025816109	195	1,651	SH		OTR	0	1,365	0	286
American Water Works CO Inc	Com	030420103	1,337	10,761	SH		SOLE	0	10,761	0	0
American Water Works CO Inc	Com	030420103	1,232	9,915	SH		OTR	0	7,805	100	2,010
Amgen Inc	Com	031162100	499	2,579	SH		SOLE	0	2,579	0	0
Amgen Inc	Com	031162100	365	1,885	SH		OTR	0	1,885	0	0
Apache Corp	Com	037411105	397	15,506	SH		SOLE	0	15,506	0	0
Apache Corp	Com	037411105	284	11,080	SH		OTR	0	10,380	100	600
Apple Inc	Com	037833100	11,451	51,129	SH		SOLE	0	47,884	105	3,140
Apple Inc	Com	037833100	5,675	25,338	SH		OTR	0	23,603	790	945
Arrow Finl Corp	Com	042744102	569	17,036	SH		SOLE	0	9,548	0	7,488
Arrow Finl Corp	Com	042744102	120	3,581	SH		OTR	0	3,581	0	0
Autoliv Inc	Com	052800109	842	10,677	SH		SOLE	0	9,927	0	750
Autoliv Inc	Com	052800109	972	12,321	SH		OTR	0	12,321	0	0
Automatic Data Processing Inc	Com	053015103	4,137	25,629	SH		SOLE	0	25,349	0	280
Automatic Data Processing Inc	Com	053015103	1,401	8,681	SH		OTR	0	8,061	140	480
BP PLC Spons ADR	Com	055622104	97	2,546	SH		SOLE	0	2,546	0	0
BP PLC Spons ADR	Com	055622104	299	7,876	SH		OTR	0	7,676	0	200
Bank of America Corp	Com	060505104	654	22,408	SH		SOLE	0	22,408	0	0
Bank of America Corp	Com	060505104	396	13,575	SH		OTR	0	13,575	0	0
Bank of New York Mellon Corp	Com	064058100	491	10,859	SH		SOLE	0	10,859	0	0
Bank of New York Mellon Corp	Com	064058100	38	838	SH		OTR	0	338	0	500
Baxter Intl Inc	Com	071813109	700	7,999	SH		SOLE	0	7,999	0	0
Baxter Intl Inc	Com	071813109	372	4,249	SH		OTR	0	2,689	100	1,460
Becton Dickinson	Com	075887109	426	1,686	SH		SOLE	0	1,686	0	0
Becton Dickinson	Com	075887109	267	1,057	SH		OTR	0	1,057	0	0
Berkshire Hathaway Inc-Cl B	Com	084670702	2,393	11,502	SH		SOLE	0	11,272	30	200
Berkshire Hathaway Inc-Cl B	Com	084670702	1,741	8,368	SH		OTR	0	8,348	20	0
Best Buy Company Inc	Com	086516101	322	4,668	SH		SOLE	0	4,668	0	0
Best Buy Company Inc	Com	086516101	27	395	SH		OTR	0	395	0	0
BHP Group Ltd Spons ADR	Com	088606108	158	3,204	SH		SOLE	0	3,004	0	200
BHP Group Ltd Spons ADR	Com	088606108	88	1,775	SH		OTR	0	1,725	0	50
Boeing CO	Com	097023105	1,850	4,862	SH		SOLE	0	4,627	0	235
Boeing CO	Com	097023105	3,128	8,221	SH		OTR	0	8,121	100	0
Bristol Myers Squibb CO	Com	110122108	3,450	68,032	SH		SOLE	0	65,187	725	2,120
Bristol Myers Squibb CO	Com	110122108	1,814	35,765	SH		OTR	0	32,435	480	2,850
Cigna Corp	Com	125523100	190	1,254	SH		SOLE	0	1,199	18	37
Cigna Corp	Com	125523100	46	306	SH		OTR	0	306	0	0
Csx Corp	Com	126408103	198	2,856	SH		SOLE	0	2,856	0	0
Csx Corp	Com	126408103	226	3,260	SH		OTR	0	3,260	0	0
CVS Health Corp	Com	126650100	2,136	33,875	SH		SOLE	0	33,235	0	640
CVS Health Corp	Com	126650100	976	15,468	SH		OTR	0	13,453	340	1,675
Capital One Financial Corp	Com	14040H105	225	2,475	SH		SOLE	0	2,475	0	0
Celgene Corp	Com	151020104	281	2,825	SH		SOLE	0	2,825	0	0
Celgene Corp	Com	151020104	258	2,595	SH		OTR	0	2,595	0	0
Chevron Corporation	Com	166764100	5,614	47,336	SH		SOLE	0	45,921	400	1,015
Chevron Corporation	Com	166764100	4,293	36,198	SH		OTR	0	34,305	485	1,408
Cisco Systems Inc	Com	17275R102	3,436	69,535	SH		SOLE	0	66,780	0	2,755
Cisco Systems Inc	Com	17275R102	2,310	46,756	SH		OTR	0	45,751	525	480
Citigroup Inc	Com	172967424	704	10,187	SH		SOLE	0	10,187	0	0
Citigroup Inc	Com	172967424	514	7,445	SH		OTR	0	6,545	150	750
Clorox Company	Com	189054109	760	5,002	SH		SOLE	0	5,002	0	0
Clorox Company	Com	189054109	579	3,810	SH		OTR	0	3,325	0	485
Coca Cola CO	Com	191216100	2,599	47,744	SH		SOLE	0	41,894	1,050	4,800
Coca Cola CO	Com	191216100	1,681	30,870	SH		OTR	0	25,515	150	5,205
Colgate Palmolive CO	Com	194162103	1,232	16,760	SH		SOLE	0	14,860	500	1,400
Colgate Palmolive CO	Com	194162103	872	11,860	SH		OTR	0	10,160	0	1,700
ComCast Corp-Cl A	Com	20030N101	1,021	22,658	SH		SOLE	0	20,876	0	1,782
ComCast Corp-Cl A	Com	20030N101	381	8,459	SH		OTR	0	6,461	650	1,348
Conocophillips	Com	20825C104	549	9,632	SH		SOLE	0	9,432	100	100
Conocophillips	Com	20825C104	162	2,837	SH		OTR	0	2,587	100	150
Corning Inc	Com	219350105	376	13,201	SH		SOLE	0	13,201	0	0
Corning Inc	Com	219350105	419	14,700	SH		OTR	0	12,150	700	1,850
Corteva Inc Com	Com	22052L104	97	3,464	SH		SOLE	0	3,373	0	91
Corteva Inc Com	Com	22052L104	301	10,757	SH		OTR	0	10,055	34	668
Costco Wholesale Corp	Com	22160K105	491	1,704	SH		SOLE	0	1,704	0	0
Costco Wholesale Corp	Com	22160K105	394	1,369	SH		OTR	0	729	0	640
Danaher Corp	Com	235851102	3,641	25,209	SH		SOLE	0	23,379	0	1,830
Danaher Corp	Com	235851102	2,129	14,738	SH		OTR	0	12,808	140	1,790
Deere & CO	Com	244199105	1,628	9,651	SH		SOLE	0	9,461	25	165
Deere & CO	Com	244199105	1,977	11,719	SH		OTR	0	11,649	70	0
Digital Realty Trust Inc REIT	Com	253868103	112	860	SH		SOLE	0	860	0	0
Digital Realty Trust Inc REIT	Com	253868103	155	1,196	SH		OTR	0	1,196	0	0
Disney Walt CO New	Com	254687106	4,966	38,104	SH		SOLE	0	37,319	0	785
Disney Walt CO New	Com	254687106	2,966	22,756	SH		OTR	0	21,391	570	795
Dominion Resources Inc	Com	25746U109	1,213	14,967	SH		SOLE	0	14,657	0	310
Dominion Resources Inc	Com	25746U109	961	11,855	SH		OTR	0	9,325	80	2,450
Dow Inc Com	Com	260557103	642	13,472	SH		SOLE	0	13,381	0	91
Dow Inc Com	Com	260557103	737	15,464	SH		OTR	0	14,174	50	1,240
Duke Energy Corp	Com	26441C204	287	2,995	SH		SOLE	0	2,695	300	0
Duke Energy Corp	Com	26441C204	178	1,862	SH		OTR	0	1,762	100	0
Dupont De Nemours Inc	Com	26614N102	976	13,682	SH		SOLE	0	13,591	0	91
Dupont De Nemours Inc	Com	26614N102	1,121	15,720	SH		OTR	0	14,330	50	1,340
Ecolab Inc	Com	278865100	1,684	8,502	SH		SOLE	0	8,502	0	0
Ecolab Inc	Com	278865100	580	2,930	SH		OTR	0	2,440	40	450
Emerson Elec CO	Com	291011104	897	13,417	SH		SOLE	0	13,417	0	0
Emerson Elec CO	Com	291011104	430	6,431	SH		OTR	0	6,331	100	0
Exelon Corp	Com	30161N101	197	4,085	SH		SOLE	0	4,085	0	0
Exelon Corp	Com	30161N101	185	3,831	SH		OTR	0	3,481	0	350
Exxonmobil Corp	Com	30231G102	6,963	98,615	SH		SOLE	0	94,270	850	3,495
Exxonmobil Corp	Com	30231G102	5,272	74,662	SH		OTR	0	71,317	635	2,710
Facebook Inc-A	Com	30303M102	846	4,751	SH		SOLE	0	4,751	0	0
Facebook Inc-A	Com	30303M102	698	3,919	SH		OTR	0	3,919	0	0
Fiserv Inc	Com	337738108	762	7,356	SH		SOLE	0	7,356	0	0
Fiserv Inc	Com	337738108	132	1,274	SH		OTR	0	1,274	0	0
FlexShares Emerging Mkts Facto	Com	33939L308	826	17,135	SH		SOLE	0	17,135	0	0
FlexShares Mstar Glbl Upstrm N	Com	33939L407	37,735	1,211,382	SH		SOLE	0	1,202,484	0	8,898
FlexShares Mstar Glbl Upstrm N	Com	33939L407	4,525	145,271	SH		OTR	0	136,874	340	8,057
FlexShares Real Assets Allocat	Com	33939L738	926	31,050	SH		SOLE	0	31,050	0	0
FlexShares Global Quality Real	Com	33939L787	845	12,970	SH		SOLE	0	12,970	0	0
FlexShares Global Quality Real	Com	33939L787	2	30	SH		OTR	0	30	0	0
FlexShares STOXX Glbl Brd Infr	Com	33939L795	4,073	78,719	SH		SOLE	0	78,694	0	25
FlexShares STOXX Glbl Brd Infr	Com	33939L795	268	5,180	SH		OTR	0	4,475	0	705
FlexShares Intl Quality Divide	Com	33939L811	1,946	91,790	SH		SOLE	0	91,790	0	0
FlexShares International Quali	Com	33939L837	503	22,570	SH		SOLE	0	22,570	0	0
FlexShares International Quali	Com	33939L837	81	3,655	SH		OTR	0	3,655	0	0
FlexShares Quality Dividend De	Com	33939L845	3,235	70,750	SH		SOLE	0	70,750	0	0
Fortive Corp	Com	34959J108	412	6,011	SH		SOLE	0	5,401	0	610
Fortive Corp	Com	34959J108	171	2,499	SH		OTR	0	1,655	50	794
General Dynamics Corp	Com	369550108	971	5,313	SH		SOLE	0	5,163	0	150
General Dynamics Corp	Com	369550108	206	1,130	SH		OTR	0	1,080	0	50
General Electric Corp	Com	369604103	378	42,274	SH		SOLE	0	42,149	0	125
General Electric Corp	Com	369604103	298	33,321	SH		OTR	0	31,996	300	1,025
General Mls Inc	Com	370334104	616	11,180	SH		SOLE	0	11,180	0	0
General Mls Inc	Com	370334104	478	8,670	SH		OTR	0	6,825	100	1,745
Gilead Sciences Inc	Com	375558103	294	4,641	SH		SOLE	0	4,641	0	0
Gilead Sciences Inc	Com	375558103	42	665	SH		OTR	0	665	0	0
Glaxo Smithkline Spons ADR	Com	37733W105	317	7,426	SH		SOLE	0	7,426	0	0
Glaxo Smithkline Spons ADR	Com	37733W105	265	6,212	SH		OTR	0	5,207	255	750
Goldman Sachs Group Inc	Com	38141G104	827	3,993	SH		SOLE	0	3,973	20	0
Goldman Sachs Group Inc	Com	38141G104	790	3,810	SH		OTR	0	3,810	0	0
Grainger W W Inc	Com	384802104	1,077	3,625	SH		SOLE	0	3,625	0	0
Grainger W W Inc	Com	384802104	822	2,765	SH		OTR	0	1,795	100	870
Home Depot Inc	Com	437076102	801	3,451	SH		SOLE	0	3,451	0	0
Home Depot Inc	Com	437076102	1,287	5,545	SH		OTR	0	4,995	50	500
Honeywell International Inc	Com	438516106	3,080	18,202	SH		SOLE	0	17,337	0	865
Honeywell International Inc	Com	438516106	1,265	7,479	SH		OTR	0	5,905	300	1,274
Illinois Tool Wks Inc	Com	452308109	301	1,925	SH		SOLE	0	1,925	0	0
Illinois Tool Wks Inc	Com	452308109	86	550	SH		OTR	0	550	0	0
Intel Corp	Com	458140100	6,079	117,961	SH		SOLE	0	115,261	1,200	1,500
Intel Corp	Com	458140100	2,341	45,424	SH		OTR	0	43,174	1,250	1,000
Intercontinental Exchange Inc	Com	45866F104	604	6,545	SH		SOLE	0	6,545	0	0
Intercontinental Exchange Inc	Com	45866F104	76	825	SH		OTR	0	625	0	200
Intl. Business Machines Corp	Com	459200101	1,925	13,239	SH		SOLE	0	11,799	435	1,005
Intl. Business Machines Corp	Com	459200101	1,959	13,471	SH		OTR	0	11,888	0	1,583
Ishares Msci Emerging Mkt ETF	Com	464287234	2,931	71,705	SH		SOLE	0	70,879	525	301
Ishares Msci Emerging Mkt ETF	Com	464287234	691	16,899	SH		OTR	0	15,819	355	725
Ishares Msci Eafe ETF	Com	464287465	3,176	48,710	SH		SOLE	0	48,710	0	0
Ishares Msci Eafe ETF	Com	464287465	807	12,379	SH		OTR	0	11,769	285	325
Ishares Russell Mid Cap ETF	Com	464287499	207	3,695	SH		SOLE	0	3,695	0	0
Ishares Core S&P Mid-Cap ETF	Com	464287507	1,538	7,961	SH		SOLE	0	7,961	0	0
Ishares Core S&P Mid-Cap ETF	Com	464287507	501	2,591	SH		OTR	0	2,391	0	200
Ishares Nasdaq Biotech ETF	Com	464287556	2,285	22,964	SH		SOLE	0	22,376	96	492
Ishares Nasdaq Biotech ETF	Com	464287556	1,307	13,132	SH		OTR	0	12,367	615	150
Ishares Russell 2000 ETF	Com	464287655	4,763	31,472	SH		SOLE	0	30,703	0	769
Ishares Russell 2000 ETF	Com	464287655	566	3,743	SH		OTR	0	3,473	235	35
Ishares DJ US Telcom Sector ET	Com	464287713	752	25,744	SH		SOLE	0	25,744	0	0
Ishares DJ US Telcom Sector ET	Com	464287713	573	19,615	SH		OTR	0	19,415	200	0
Ishares Msci Eafe Small Cap ET	Com	464288273	3,355	58,625	SH		SOLE	0	58,625	0	0
Ishares Msci Eafe Small Cap ET	Com	464288273	549	9,590	SH		OTR	0	9,450	0	140
Ishares New York Muni Bond ETF	Com	464288323	895	15,642	SH		SOLE	0	15,642	0	0
Ishares IBoxx High Yield Corpo	Com	464288513	1,576	18,085	SH		SOLE	0	18,085	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	240	4,478	SH		SOLE	0	4,478	0	0
Ishares S&P Pref Stk ETF	Com	464288687	2,445	65,157	SH		SOLE	0	65,157	0	0
Ishares S&P Pref Stk ETF	Com	464288687	584	15,559	SH		OTR	0	11,579	0	3,980
Ishares MSCI EAFE Growth ETF	Com	464288885	11,641	144,596	SH		SOLE	0	142,678	0	1,918
Ishares MSCI EAFE Growth ETF	Com	464288885	127	1,573	SH		OTR	0	1,573	0	0
Ishares Aaa-A Rated Corp Bond	Com	46429B291	211	3,855	SH		SOLE	0	3,855	0	0
Ishares Core Emerging Markets	Com	46434G103	2,766	56,436	SH		SOLE	0	56,436	0	0
Ishares Core Emerging Markets	Com	46434G103	675	13,760	SH		OTR	0	13,760	0	0
JP Morgan Chase & CO	Com	46625H100	8,351	70,961	SH		SOLE	0	69,874	112	975
JP Morgan Chase & CO	Com	46625H100	5,693	48,369	SH		OTR	0	45,369	640	2,360
Johnson & Johnson	Com	478160104	8,302	64,168	SH		SOLE	0	60,075	150	3,943
Johnson & Johnson	Com	478160104	4,027	31,126	SH		OTR	0	28,591	310	2,225
Keycorp	Com	493267108	49	2,762	SH		SOLE	0	2,762	0	0
Keycorp	Com	493267108	193	10,800	SH		OTR	0	10,800	0	0
Kimberly Clark Corp	Com	494368103	559	3,938	SH		SOLE	0	3,938	0	0
Kimberly Clark Corp	Com	494368103	138	975	SH		OTR	0	975	0	0
Kraft Heinz CO	Com	500754106	60	2,144	SH		SOLE	0	2,078	0	66
Kraft Heinz CO	Com	500754106	208	7,446	SH		OTR	0	7,400	46	0
Lilly Eli & CO	Com	532457108	247	2,213	SH		SOLE	0	1,685	0	528
Lilly Eli & CO	Com	532457108	703	6,285	SH		OTR	0	5,260	0	1,025
Lockheed Martin Corp	Com	539830109	3,031	7,771	SH		SOLE	0	7,256	0	515
Lockheed Martin Corp	Com	539830109	1,203	3,084	SH		OTR	0	3,084	0	0
Lowes Cos Inc	Com	548661107	5,543	50,410	SH		SOLE	0	50,010	25	375
Lowes Cos Inc	Com	548661107	3,084	28,047	SH		OTR	0	26,712	335	1,000
Marriott International Inc	Com	571903202	323	2,595	SH		SOLE	0	2,595	0	0
Mastercard Inc Cl A	Com	57636Q104	150	553	SH		SOLE	0	553	0	0
Mastercard Inc Cl A	Com	57636Q104	183	675	SH		OTR	0	675	0	0
McDonalds Corp	Com	580135101	7,348	34,225	SH		SOLE	0	34,120	75	30
McDonalds Corp	Com	580135101	4,472	20,826	SH		OTR	0	19,811	265	750
Merck & CO Inc	Com	58933Y105	3,562	42,313	SH		SOLE	0	40,838	675	800
Merck & CO Inc	Com	58933Y105	2,044	24,287	SH		OTR	0	23,297	165	825
Metlife Inc	Com	59156R108	371	7,871	SH		SOLE	0	7,871	0	0
Metlife Inc	Com	59156R108	119	2,525	SH		OTR	0	2,114	111	300
Microsoft Corp	Com	594918104	11,940	85,884	SH		SOLE	0	83,269	225	2,390
Microsoft Corp	Com	594918104	6,697	48,167	SH		OTR	0	45,577	770	1,820
Microchip Technology Inc	Com	595017104	1,691	18,200	SH		SOLE	0	18,200	0	0
Microchip Technology Inc	Com	595017104	533	5,733	SH		OTR	0	4,808	150	775
Mondelez International Inc	Com	609207105	480	8,670	SH		SOLE	0	8,056	0	614
Mondelez International Inc	Com	609207105	1,044	18,867	SH		OTR	0	18,729	138	0
NBT Bancorp Inc	Com	628778102	4,991	136,404	SH		SOLE	0	60,063	0	76,341
NBT Bancorp Inc	Com	628778102	886	24,226	SH		OTR	0	20,960	0	3,266
Nextera Energy Inc	Com	65339F101	1,980	8,498	SH		SOLE	0	8,048	0	450
Nextera Energy Inc	Com	65339F101	1,584	6,797	SH		OTR	0	4,837	30	1,930
Nike Inc-Class B	Com	654106103	2,228	23,722	SH		SOLE	0	23,722	0	0
Nike Inc-Class B	Com	654106103	1,280	13,624	SH		OTR	0	9,484	140	4,000
Norfolk Southern Corp	Com	655844108	893	4,968	SH		SOLE	0	4,968	0	0
Norfolk Southern Corp	Com	655844108	1,159	6,450	SH		OTR	0	5,355	70	1,025
Novartis Ag Spons ADR	Com	66987V109	1,400	16,112	SH		SOLE	0	16,112	0	0
Novartis Ag Spons ADR	Com	66987V109	1,044	12,012	SH		OTR	0	11,612	150	250
Nucor Corp	Com	670346105	404	7,927	SH		SOLE	0	7,927	0	0
Nucor Corp	Com	670346105	341	6,700	SH		OTR	0	4,250	0	2,450
O'Reilly Automotive Inc	Com	67103H107	239	600	SH		SOLE	0	600	0	0
Oracle Corporation	Com	68389X105	2,098	38,122	SH		SOLE	0	36,622	0	1,500
Oracle Corporation	Com	68389X105	491	8,915	SH		OTR	0	8,715	0	200
Pepsico Inc	Com	713448108	6,728	49,075	SH		SOLE	0	48,675	100	300
Pepsico Inc	Com	713448108	3,368	24,567	SH		OTR	0	23,412	345	810
Pfizer Inc	Com	717081103	3,828	106,554	SH		SOLE	0	103,454	0	3,100
Pfizer Inc	Com	717081103	2,671	74,326	SH		OTR	0	69,997	1,740	2,589
Philip Morris International	Com	718172109	627	8,259	SH		SOLE	0	7,434	0	825
Philip Morris International	Com	718172109	2,259	29,752	SH		OTR	0	29,602	150	0
T Rowe Price Group Inc	Com	74144T108	3,169	27,741	SH		SOLE	0	27,691	50	0
T Rowe Price Group Inc	Com	74144T108	1,920	16,802	SH		OTR	0	16,207	295	300
Procter & Gamble CO	Com	742718109	9,221	74,135	SH		SOLE	0	69,920	500	3,715
Procter & Gamble CO	Com	742718109	5,034	40,474	SH		OTR	0	35,969	405	4,100
Prudential Finl Inc	Com	744320102	1,383	15,374	SH		SOLE	0	15,324	50	0
Prudential Finl Inc	Com	744320102	1,071	11,907	SH		OTR	0	11,557	150	200
Public Service Enterprise Grou	Com	744573106	125	2,012	SH		SOLE	0	2,012	0	0
Public Service Enterprise Grou	Com	744573106	158	2,550	SH		OTR	0	2,550	0	0
Qualcomm Inc	Com	747525103	1,932	25,327	SH		SOLE	0	24,902	0	425
Qualcomm Inc	Com	747525103	1,037	13,594	SH		OTR	0	12,969	125	500
Royal Dutch Shell Spons ADR	Com	780259206	32	545	SH		SOLE	0	545	0	0
Royal Dutch Shell Spons ADR	Com	780259206	212	3,601	SH		OTR	0	3,351	0	250
SPDR S&P 500 ETF Trust	Com	78462F103	3,249	10,947	SH		SOLE	0	10,638	0	309
SPDR S&P 500 ETF Trust	Com	78462F103	959	3,233	SH		OTR	0	2,873	160	200
SPDR Gold Trust	Com	78463V107	246	1,774	SH		SOLE	0	1,774	0	0
SPDR Gold Trust	Com	78463V107	7	50	SH		OTR	0	50	0	0
SPDR Portfolio Developed Wld e	Com	78463X889	6,431	219,044	SH		SOLE	0	219,044	0	0
SPDR Portfolio Developed Wld e	Com	78463X889	1,085	36,950	SH		OTR	0	36,950	0	0
SPDR S&P Sm Cap Value ETF	Com	78464A300	388	6,340	SH		SOLE	0	6,340	0	0
SPDR Portfolio Intermediate Te	Com	78464A375	700	19,828	SH		SOLE	0	19,828	0	0
SPDR S&P Regional Banking ETF	Com	78464A698	1,984	37,586	SH		SOLE	0	37,586	0	0
SPDR S&P Regional Banking ETF	Com	78464A698	1,149	21,762	SH		OTR	0	21,562	100	100
SPDR S&P Dividend ETF	Com	78464A763	9,636	93,922	SH		SOLE	0	93,922	0	0
SPDR S&P Dividend ETF	Com	78464A763	805	7,850	SH		OTR	0	7,450	0	400
SPDR Dow Jones Industrial Aver	Com	78467X109	1,008	3,745	SH		SOLE	0	3,745	0	0
SPDR Dow Jones Industrial Aver	Com	78467X109	331	1,230	SH		OTR	0	1,130	0	100
Midcap SPDR Trust Series 1	Com	78467Y107	6,941	19,692	SH		SOLE	0	19,316	0	376
Midcap SPDR Trust Series 1	Com	78467Y107	852	2,416	SH		OTR	0	2,236	125	55
Salesforce.Com	Com	79466L302	955	6,431	SH		SOLE	0	6,411	20	0
Salesforce.Com	Com	79466L302	790	5,320	SH		OTR	0	5,320	0	0
Schlumberger Ltd	Com	806857108	1,045	30,593	SH		SOLE	0	29,878	0	715
Schlumberger Ltd	Com	806857108	385	11,263	SH		OTR	0	11,103	160	0
Charles Schwab Corp	Com	808513105	155	3,705	SH		SOLE	0	3,705	0	0
Charles Schwab Corp	Com	808513105	177	4,225	SH		OTR	0	4,225	0	0
Schwab US Small Cap ETF	Com	808524607	432	6,190	SH		SOLE	0	6,190	0	0
Schwab Fundamental Intl Lg Co	Com	808524755	221	8,015	SH		SOLE	0	8,015	0	0
Schwab US Dividend Equity ETF	Com	808524797	4,249	77,560	SH		SOLE	0	76,204	0	1,356
Schwab US Dividend Equity ETF	Com	808524797	694	12,675	SH		OTR	0	12,675	0	0
Schwab International Equity ET	Com	808524805	212	6,660	SH		SOLE	0	6,660	0	0
Schwab International Equity ET	Com	808524805	82	2,580	SH		OTR	0	2,580	0	0
Materials Select SPDR Fund	Com	81369Y100	1,177	20,229	SH		SOLE	0	18,249	0	1,980
Materials Select SPDR Fund	Com	81369Y100	531	9,131	SH		OTR	0	8,301	375	455
Health Care Select Sector SPDR	Com	81369Y209	907	10,065	SH		SOLE	0	9,760	0	305
Health Care Select Sector SPDR	Com	81369Y209	192	2,130	SH		OTR	0	2,130	0	0
Consumer Staples Select Sector	Com	81369Y308	594	9,671	SH		SOLE	0	9,286	0	385
Consumer Staples Select Sector	Com	81369Y308	78	1,277	SH		OTR	0	987	100	190
Consumer Discretionary Selt	Com	81369Y407	1,414	11,719	SH		SOLE	0	10,129	0	1,590
Consumer Discretionary Selt	Com	81369Y407	156	1,295	SH		OTR	0	770	390	135
Energy Select Sector SPDR	Com	81369Y506	583	9,840	SH		SOLE	0	9,465	0	375
Energy Select Sector SPDR	Com	81369Y506	59	993	SH		OTR	0	760	80	153
Financial Select Sector SPDR	Com	81369Y605	910	32,483	SH		SOLE	0	30,983	0	1,500
Financial Select Sector SPDR	Com	81369Y605	32	1,160	SH		OTR	0	960	200	0
Industrial Select Sector SPDR	Com	81369Y704	1,050	13,525	SH		SOLE	0	13,475	0	50
Industrial Select Sector SPDR	Com	81369Y704	109	1,400	SH		OTR	0	1,300	0	100
Technology Select Sect SPDR	Com	81369Y803	2,017	25,045	SH		SOLE	0	24,683	162	200
Technology Select Sect SPDR	Com	81369Y803	204	2,537	SH		OTR	0	2,387	150	0
Real Estate Select Sect SPDR	Com	81369Y860	987	25,089	SH		SOLE	0	23,567	105	1,417
Real Estate Select Sect SPDR	Com	81369Y860	1,074	27,299	SH		OTR	0	27,128	46	125
Utilities Select Sector SPDR	Com	81369Y886	1,835	28,350	SH		SOLE	0	27,200	0	1,150
Utilities Select Sector SPDR	Com	81369Y886	1,226	18,943	SH		OTR	0	17,956	475	512
Southern Company	Com	842587107	1,169	18,919	SH		SOLE	0	18,919	0	0
Southern Company	Com	842587107	887	14,360	SH		OTR	0	14,235	0	125
Starbucks Corp	Com	855244109	129	1,461	SH		SOLE	0	1,461	0	0
Starbucks Corp	Com	855244109	301	3,400	SH		OTR	0	3,400	0	0
State Street Corp	Com	857477103	183	3,098	SH		SOLE	0	3,098	0	0
State Street Corp	Com	857477103	38	650	SH		OTR	0	575	0	75
Stryker Corporation	Com	863667101	390	1,805	SH		SOLE	0	1,805	0	0
Sysco Corp	Com	871829107	598	7,530	SH		SOLE	0	7,530	0	0
Sysco Corp	Com	871829107	578	7,274	SH		OTR	0	6,849	0	425
TJX Cos Inc	Com	872540109	1,874	33,625	SH		SOLE	0	32,325	300	1,000
TJX Cos Inc	Com	872540109	1,863	33,432	SH		OTR	0	32,406	340	686
Target Corp	Com	87612E106	2,599	24,307	SH		SOLE	0	24,032	0	275
Target Corp	Com	87612E106	1,507	14,097	SH		OTR	0	13,007	175	915
Textron Inc	Com	883203101	783	16,000	SH		SOLE	0	16,000	0	0
3m CO	Com	88579Y101	1,768	10,757	SH		SOLE	0	9,797	340	620
3m CO	Com	88579Y101	277	1,685	SH		OTR	0	1,350	35	300
US Bancorp New	Com	902973304	1,073	19,387	SH		SOLE	0	19,387	0	0
US Bancorp New	Com	902973304	338	6,115	SH		OTR	0	5,429	470	216
Union Pac Corp	Com	907818108	3,370	20,808	SH		SOLE	0	20,108	0	700
Union Pac Corp	Com	907818108	3,159	19,505	SH		OTR	0	17,098	0	2,407
United Parcel Service Cl B	Com	911312106	550	4,591	SH		SOLE	0	4,591	0	0
United Parcel Service Cl B	Com	911312106	254	2,119	SH		OTR	0	2,119	0	0
United Technologies Corp	Com	913017109	5,095	37,324	SH		SOLE	0	36,594	100	630
United Technologies Corp	Com	913017109	3,632	26,602	SH		OTR	0	24,561	1,186	855
Unitedhealth Group Inc	Com	91324P102	2,099	9,659	SH		SOLE	0	9,459	0	200
Unitedhealth Group Inc	Com	91324P102	961	4,422	SH		OTR	0	4,292	130	0
Univest Corp of Pennsylvania	Com	915271100	301	11,812	SH		OTR	0	11,812	0	0
Vaneck Vectors Agribusiness ET	Com	92189F700	929	14,101	SH		SOLE	0	13,451	50	600
Vaneck Vectors Agribusiness ET	Com	92189F700	755	11,468	SH		OTR	0	11,243	125	100
Vanguard Intermediate-Term Bon	Com	921937819	352	4,000	SH		SOLE	0	4,000	0	0
Vanguard Intermediate-Term Bon	Com	921937819	33	375	SH		OTR	0	375	0	0
Vanguard Total Bond Market ETF	Com	921937835	411	4,866	SH		SOLE	0	4,866	0	0
Vanguard High Dividend Yield E	Com	921946406	109	1,225	SH		SOLE	0	1,225	0	0
Vanguard High Dividend Yield E	Com	921946406	97	1,092	SH		OTR	0	1,092	0	0
Vanguard Ftse Emerging Markets	Com	922042858	760	18,888	SH		SOLE	0	18,888	0	0
Vanguard Ftse Emerging Markets	Com	922042858	464	11,518	SH		OTR	0	11,018	0	500
Vanguard Inter Term Corp Bond	Com	92206C870	1,123	12,306	SH		SOLE	0	12,306	0	0
Vanguard Inter Term Corp Bond	Com	92206C870	725	7,950	SH		OTR	0	7,950	0	0
Vanguard S&P 500 ETF	Com	922908363	10,307	37,810	SH		SOLE	0	37,623	0	187
Verizon Communications	Com	92343V104	3,674	60,862	SH		SOLE	0	59,075	860	927
Verizon Communications	Com	92343V104	2,866	47,479	SH		OTR	0	44,593	460	2,426
Visa Inc Cl A	Com	92826C839	1,250	7,269	SH		SOLE	0	7,269	0	0
Visa Inc Cl A	Com	92826C839	802	4,660	SH		OTR	0	4,560	100	0
Wal Mart Inc	Com	931142103	1,733	14,606	SH		SOLE	0	14,206	0	400
Wal Mart Inc	Com	931142103	1,368	11,529	SH		OTR	0	10,113	350	1,066
Walgreens Boots Alliance Inc	Com	931427108	282	5,092	SH		SOLE	0	5,092	0	0
Walgreens Boots Alliance Inc	Com	931427108	86	1,549	SH		OTR	0	745	0	804
Wells Fargo & CO	Com	949746101	2,188	43,377	SH		SOLE	0	42,977	0	400
Wells Fargo & CO	Com	949746101	1,045	20,723	SH		OTR	0	17,493	930	2,300
WisdomTree MidCap Dividend ETF	Com	97717W505	2,687	73,989	SH		SOLE	0	73,066	0	923
WisdomTree MidCap Dividend ETF	Com	97717W505	690	19,005	SH		OTR	0	13,875	0	5,130
WisdomTree SmallCap Dividend E	Com	97717W604	1,242	45,369	SH		SOLE	0	45,182	0	187
WisdomTree SmallCap Dividend E	Com	97717W604	341	12,445	SH		OTR	0	11,410	0	1,035
Xcel Energy Inc	Com	98389B100	200	3,086	SH		SOLE	0	3,086	0	0
Xcel Energy Inc	Com	98389B100	50	775	SH		OTR	0	775	0	0
Xylem Inc	Com	98419M100	367	4,613	SH		SOLE	0	4,613	0	0
Xylem Inc	Com	98419M100	251	3,150	SH		OTR	0	3,150	0	0
Yum! Brands Inc	Com	988498101	546	4,814	SH		SOLE	0	4,814	0	0
Yum! Brands Inc	Com	988498101	115	1,014	SH		OTR	0	1,014	0	0
Zimmer Biomet Holdings Inc	Com	98956P102	399	2,906	SH		SOLE	0	2,576	60	270
Zimmer Biomet Holdings Inc	Com	98956P102	215	1,565	SH		OTR	0	1,462	23	80
Eaton Corp PLC	Com	G29183103	359	4,319	SH		SOLE	0	4,319	0	0
Eaton Corp PLC	Com	G29183103	512	6,159	SH		OTR	0	5,084	0	1,075
Linde PLC	Com	G5494J103	1,464	7,558	SH		SOLE	0	7,558	0	0
Linde PLC	Com	G5494J103	968	4,999	SH		OTR	0	3,874	0	1,125
Medtronic PLC	Com	G5960L103	1,122	10,328	SH		SOLE	0	10,328	0	0
Medtronic PLC	Com	G5960L103	988	9,093	SH		OTR	0	9,022	71	0
Alcon Inc ORD Shs	Com	H01301128	105	1,793	SH		SOLE	0	1,793	0	0
Alcon Inc ORD Shs	Com	H01301128	107	1,839	SH		OTR	0	1,839	0	0