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	69,907	SH		SOLE	0	68,507	0	1,400
AT&T Inc	Com	00206R102	1,711	43,791	SH		OTR	0	38,128	400	5,263
Abbott Labs	Com	002824100	5,676	65,342	SH		SOLE	0	64,842	0	500
Abbott Labs	Com	002824100	2,009	23,125	SH		OTR	0	21,115	621	1,389
Abbvie Inc	Com	00287Y109	2,478	27,982	SH		SOLE	0	27,782	0	200
Abbvie Inc	Com	00287Y109	1,834	20,717	SH		OTR	0	17,152	295	3,270
Activision Blizzard, Inc	Com	00507V109	584	9,834	SH		SOLE	0	9,834	0	0
Activision Blizzard, Inc	Com	00507V109	385	6,475	SH		OTR	0	6,475	0	0
Air Products & Chemicals Inc	Com	009158106	1,547	6,585	SH		SOLE	0	6,585	0	0
Air Products & Chemicals Inc	Com	009158106	576	2,450	SH		OTR	0	2,450	0	0
Alphabet Inc Cl C	Com	02079K107	3,273	2,448	SH		SOLE	0	2,393	0	55
Alphabet Inc Cl C	Com	02079K107	2,995	2,240	SH		OTR	0	2,110	0	130
Alphabet Inc Cl A	Com	02079K305	2,774	2,071	SH		SOLE	0	2,051	0	20
Alphabet Inc Cl A	Com	02079K305	812	606	SH		OTR	0	491	0	115
Altria Group Inc	Com	02209S103	620	12,423	SH		SOLE	0	11,648	0	775
Altria Group Inc	Com	02209S103	1,850	37,057	SH		OTR	0	36,157	200	700
Amazon.Com Inc	Com	023135106	1,160	628	SH		SOLE	0	628	0	0
Amazon.Com Inc	Com	023135106	442	239	SH		OTR	0	239	0	0
American Express CO	Com	025816109	730	5,862	SH		SOLE	0	5,862	0	0
American Express CO	Com	025816109	417	3,351	SH		OTR	0	1,365	0	1,986
American Tower Corp REIT	Com	03027X100	123	534	SH		SOLE	0	534	0	0
American Tower Corp REIT	Com	03027X100	147	640	SH		OTR	0	640	0	0
American Water Works CO Inc	Com	030420103	1,435	11,684	SH		SOLE	0	11,684	0	0
American Water Works CO Inc	Com	030420103	1,058	8,615	SH		OTR	0	6,505	100	2,010
Amgen Inc	Com	031162100	637	2,642	SH		SOLE	0	2,642	0	0
Amgen Inc	Com	031162100	424	1,760	SH		OTR	0	1,760	0	0
Apache Corp	Com	037411105	342	13,378	SH		SOLE	0	13,378	0	0
Apache Corp	Com	037411105	277	10,830	SH		OTR	0	10,130	100	600
Apple Inc	Com	037833100	14,558	49,577	SH		SOLE	0	46,332	105	3,140
Apple Inc	Com	037833100	8,070	27,480	SH		OTR	0	23,495	790	3,195
Arrow Finl Corp	Com	042744102	635	16,786	SH		SOLE	0	9,298	0	7,488
Arrow Finl Corp	Com	042744102	135	3,581	SH		OTR	0	3,581	0	0
Autoliv Inc	Com	052800109	898	10,642	SH		SOLE	0	9,892	0	750
Autoliv Inc	Com	052800109	1,040	12,321	SH		OTR	0	12,321	0	0
Automatic Data Processing Inc	Com	053015103	4,323	25,353	SH		SOLE	0	25,073	0	280
Automatic Data Processing Inc	Com	053015103	1,342	7,871	SH		OTR	0	7,251	140	480
BP PLC Spons ADR	Com	055622104	129	3,414	SH		SOLE	0	3,414	0	0
BP PLC Spons ADR	Com	055622104	282	7,480	SH		OTR	0	7,280	0	200
Bank of America Corp	Com	060505104	810	23,008	SH		SOLE	0	23,008	0	0
Bank of America Corp	Com	060505104	422	11,975	SH		OTR	0	11,975	0	0
Bank of New York Mellon Corp	Com	064058100	547	10,859	SH		SOLE	0	10,859	0	0
Bank of New York Mellon Corp	Com	064058100	42	838	SH		OTR	0	338	0	500
Baxter Intl Inc	Com	071813109	668	7,992	SH		SOLE	0	7,992	0	0
Baxter Intl Inc	Com	071813109	350	4,185	SH		OTR	0	2,625	100	1,460
Becton Dickinson	Com	075887109	459	1,686	SH		SOLE	0	1,686	0	0
Becton Dickinson	Com	075887109	287	1,057	SH		OTR	0	1,057	0	0
Berkshire Hathaway Inc-Cl B	Com	084670702	2,603	11,493	SH		SOLE	0	11,263	30	200
Berkshire Hathaway Inc-Cl B	Com	084670702	2,099	9,268	SH		OTR	0	9,248	20	0
Best Buy Company Inc	Com	086516101	408	4,643	SH		SOLE	0	4,643	0	0
Best Buy Company Inc	Com	086516101	35	395	SH		OTR	0	395	0	0
BHP Group Ltd Spons ADR	Com	088606108	175	3,204	SH		SOLE	0	3,004	0	200
BHP Group Ltd Spons ADR	Com	088606108	97	1,775	SH		OTR	0	1,725	0	50
Biogen Inc	Com	09062X103	86	289	SH		SOLE	0	289	0	0
Biogen Inc	Com	09062X103	119	400	SH		OTR	0	400	0	0
Blackrock Inc Cl A	Com	09247X101	30	59	SH		SOLE	0	59	0	0
Blackrock Inc Cl A	Com	09247X101	297	590	SH		OTR	0	190	0	400
Boeing CO	Com	097023105	1,591	4,885	SH		SOLE	0	4,650	0	235
Boeing CO	Com	097023105	2,813	8,636	SH		OTR	0	7,986	100	550
Booking Hldgs Inc	Com	09857L108	64	31	SH		SOLE	0	31	0	0
Booking Hldgs Inc	Com	09857L108	146	71	SH		OTR	0	71	0	0
Bristol Myers Squibb CO	Com	110122108	4,418	68,824	SH		SOLE	0	65,979	725	2,120
Bristol Myers Squibb CO	Com	110122108	2,682	41,775	SH		OTR	0	34,995	480	6,300
Cigna Corp	Com	125523100	212	1,038	SH		SOLE	0	1,001	0	37
Cigna Corp	Com	125523100	63	306	SH		OTR	0	306	0	0
Csx Corp	Com	126408103	227	3,137	SH		SOLE	0	3,137	0	0
Csx Corp	Com	126408103	217	3,000	SH		OTR	0	3,000	0	0
CVS Health Corp	Com	126650100	2,553	34,364	SH		SOLE	0	33,724	0	640
CVS Health Corp	Com	126650100	1,142	15,368	SH		OTR	0	13,453	340	1,575
Capital One Financial Corp	Com	14040H105	257	2,498	SH		SOLE	0	2,498	0	0
Caterpillar Inc	Com	149123101	1,942	13,150	SH		SOLE	0	13,150	0	0
Caterpillar Inc	Com	149123101	1,343	9,095	SH		OTR	0	8,750	45	300
Chevron Corporation	Com	166764100	5,762	47,817	SH		SOLE	0	46,427	375	1,015
Chevron Corporation	Com	166764100	4,138	34,338	SH		OTR	0	32,485	485	1,368
Cisco Systems Inc	Com	17275R102	3,409	71,070	SH		SOLE	0	68,315	0	2,755
Cisco Systems Inc	Com	17275R102	2,297	47,901	SH		OTR	0	46,701	595	605
Citigroup Inc	Com	172967424	927	11,604	SH		SOLE	0	11,604	0	0
Citigroup Inc	Com	172967424	555	6,945	SH		OTR	0	6,045	150	750
Clorox Company	Com	189054109	868	5,652	SH		SOLE	0	5,652	0	0
Clorox Company	Com	189054109	485	3,160	SH		OTR	0	2,675	0	485
Coca Cola CO	Com	191216100	2,679	48,397	SH		SOLE	0	42,637	960	4,800
Coca Cola CO	Com	191216100	1,628	29,405	SH		OTR	0	24,140	150	5,115
Cognizant Technology Solutions	Com	192446102	230	3,706	SH		SOLE	0	3,706	0	0
Cognizant Technology Solutions	Com	192446102	15	234	SH		OTR	0	234	0	0
Colgate Palmolive CO	Com	194162103	1,122	16,295	SH		SOLE	0	14,465	430	1,400
Colgate Palmolive CO	Com	194162103	947	13,760	SH		OTR	0	10,060	0	3,700
ComCast Corp-Cl A	Com	20030N101	1,125	25,009	SH		SOLE	0	23,227	0	1,782
ComCast Corp-Cl A	Com	20030N101	341	7,584	SH		OTR	0	5,461	650	1,473
Conocophillips	Com	20825C104	636	9,774	SH		SOLE	0	9,674	100	0
Conocophillips	Com	20825C104	315	4,837	SH		OTR	0	2,587	100	2,150
Corning Inc	Com	219350105	403	13,851	SH		SOLE	0	13,851	0	0
Corning Inc	Com	219350105	440	15,100	SH		OTR	0	12,350	900	1,850
Corteva Inc Com	Com	22052L104	107	3,636	SH		SOLE	0	3,545	0	91
Corteva Inc Com	Com	22052L104	299	10,121	SH		OTR	0	9,611	0	510
Costco Wholesale Corp	Com	22160K105	553	1,882	SH		SOLE	0	1,882	0	0
Costco Wholesale Corp	Com	22160K105	358	1,219	SH		OTR	0	579	0	640
Danaher Corp	Com	235851102	3,697	24,091	SH		SOLE	0	22,261	0	1,830
Danaher Corp	Com	235851102	2,262	14,738	SH		OTR	0	12,808	140	1,790
Deere & CO	Com	244199105	1,681	9,705	SH		SOLE	0	9,515	25	165
Deere & CO	Com	244199105	2,110	12,179	SH		OTR	0	12,109	70	0
Digital Realty Trust Inc REIT	Com	253868103	110	917	SH		SOLE	0	917	0	0
Digital Realty Trust Inc REIT	Com	253868103	143	1,196	SH		OTR	0	1,196	0	0
Disney Walt CO New	Com	254687106	5,366	37,102	SH		SOLE	0	36,317	0	785
Disney Walt CO New	Com	254687106	3,245	22,439	SH		OTR	0	21,074	570	795
Dominion Resources Inc	Com	25746U109	1,311	15,830	SH		SOLE	0	15,520	0	310
Dominion Resources Inc	Com	25746U109	858	10,355	SH		OTR	0	7,825	80	2,450
Dow Inc Com	Com	260557103	735	13,422	SH		SOLE	0	13,331	0	91
Dow Inc Com	Com	260557103	862	15,759	SH		OTR	0	13,758	16	1,985
Duke Energy Corp	Com	26441C204	273	2,995	SH		SOLE	0	2,695	300	0
Duke Energy Corp	Com	26441C204	170	1,862	SH		OTR	0	1,762	100	0
Dupont De Nemours Inc	Com	26614N102	879	13,685	SH		SOLE	0	13,594	0	91
Dupont De Nemours Inc	Com	26614N102	1,014	15,802	SH		OTR	0	13,914	16	1,872
Ecolab Inc	Com	278865100	1,641	8,502	SH		SOLE	0	8,502	0	0
Ecolab Inc	Com	278865100	585	3,030	SH		OTR	0	2,390	40	600
Emerson Elec CO	Com	291011104	979	12,835	SH		SOLE	0	12,835	0	0
Emerson Elec CO	Com	291011104	471	6,181	SH		OTR	0	6,081	100	0
Enterprise Prods Partners LP	Com	293792107	7	250	SH		SOLE	0	250	0	0
Enterprise Prods Partners LP	Com	293792107	250	8,880	SH		OTR	0	3,880	0	5,000
Exelon Corp	Com	30161N101	194	4,248	SH		SOLE	0	4,248	0	0
Exelon Corp	Com	30161N101	166	3,631	SH		OTR	0	3,281	0	350
Exxonmobil Corp	Com	30231G102	6,680	95,726	SH		SOLE	0	91,486	820	3,420
Exxonmobil Corp	Com	30231G102	5,158	73,917	SH		OTR	0	70,572	635	2,710
Facebook Inc-A	Com	30303M102	1,117	5,441	SH		SOLE	0	5,441	0	0
Facebook Inc-A	Com	30303M102	858	4,179	SH		OTR	0	4,179	0	0
Fiserv Inc	Com	337738108	825	7,132	SH		SOLE	0	7,132	0	0
Fiserv Inc	Com	337738108	147	1,274	SH		OTR	0	1,274	0	0
FlexShares Emerging Mkts Facto	Com	33939L308	950	17,875	SH		SOLE	0	17,875	0	0
FlexShares Mstar Glbl Upstrm N	Com	33939L407	39,521	1,178,668	SH		SOLE	0	1,169,983	0	8,685
FlexShares Mstar Glbl Upstrm N	Com	33939L407	4,532	135,156	SH		OTR	0	127,104	340	7,712
FlexShares Real Assets Allocat	Com	33939L738	948	31,050	SH		SOLE	0	31,050	0	0
FlexShares Global Quality Real	Com	33939L787	1,188	18,345	SH		SOLE	0	18,345	0	0
FlexShares Global Quality Real	Com	33939L787	2	30	SH		OTR	0	30	0	0
FlexShares STOXX Glbl Brd Infr	Com	33939L795	4,319	80,167	SH		SOLE	0	80,167	0	0
FlexShares STOXX Glbl Brd Infr	Com	33939L795	278	5,165	SH		OTR	0	4,460	0	705
FlexShares Intl Quality Divide	Com	33939L811	2,157	94,455	SH		SOLE	0	94,455	0	0
FlexShares International Quali	Com	33939L837	670	27,595	SH		SOLE	0	27,595	0	0
FlexShares International Quali	Com	33939L837	89	3,655	SH		OTR	0	3,655	0	0
FlexShares Quality Dividend De	Com	33939L845	3,465	72,480	SH		SOLE	0	72,480	0	0
Fortive Corp	Com	34959J108	448	5,861	SH		SOLE	0	5,251	0	610
Fortive Corp	Com	34959J108	191	2,499	SH		OTR	0	1,655	50	794
General Dynamics Corp	Com	369550108	960	5,441	SH		SOLE	0	5,291	0	150
General Dynamics Corp	Com	369550108	208	1,180	SH		OTR	0	1,080	0	100
General Electric Corp	Com	369604103	441	39,475	SH		SOLE	0	39,475	0	0
General Electric Corp	Com	369604103	325	29,091	SH		OTR	0	28,066	0	1,025
General Mls Inc	Com	370334104	592	11,055	SH		SOLE	0	11,055	0	0
General Mls Inc	Com	370334104	456	8,520	SH		OTR	0	6,675	100	1,745
Genuine Parts CO	Com	372460105	206	1,935	SH		SOLE	0	1,935	0	0
Gilead Sciences Inc	Com	375558103	315	4,851	SH		SOLE	0	4,851	0	0
Gilead Sciences Inc	Com	375558103	206	3,165	SH		OTR	0	665	0	2,500
Glaxo Smithkline Spons ADR	Com	37733W105	349	7,426	SH		SOLE	0	7,426	0	0
Glaxo Smithkline Spons ADR	Com	37733W105	292	6,212	SH		OTR	0	5,207	255	750
Goldman Sachs Group Inc	Com	38141G104	917	3,988	SH		SOLE	0	3,968	20	0
Goldman Sachs Group Inc	Com	38141G104	876	3,810	SH		OTR	0	3,810	0	0
Grainger W W Inc	Com	384802104	1,312	3,875	SH		SOLE	0	3,875	0	0
Grainger W W Inc	Com	384802104	851	2,515	SH		OTR	0	1,545	100	870
Home Depot Inc	Com	437076102	746	3,418	SH		SOLE	0	3,418	0	0
Home Depot Inc	Com	437076102	1,386	6,345	SH		OTR	0	4,995	100	1,250
Honeywell International Inc	Com	438516106	3,238	18,296	SH		SOLE	0	17,431	0	865
Honeywell International Inc	Com	438516106	1,465	8,279	SH		OTR	0	5,705	300	2,274
Illinois Tool Wks Inc	Com	452308109	358	1,991	SH		SOLE	0	1,991	0	0
Illinois Tool Wks Inc	Com	452308109	81	450	SH		OTR	0	450	0	0
Intel Corp	Com	458140100	6,872	114,822	SH		SOLE	0	112,122	1,200	1,500
Intel Corp	Com	458140100	2,716	45,374	SH		OTR	0	42,224	1,250	1,900
Intercontinental Exchange Inc	Com	45866F104	657	7,095	SH		SOLE	0	7,095	0	0
Intercontinental Exchange Inc	Com	45866F104	30	325	SH		OTR	0	125	0	200
Intl. Business Machines Corp	Com	459200101	1,724	12,861	SH		SOLE	0	11,471	435	955
Intl. Business Machines Corp	Com	459200101	1,913	14,271	SH		OTR	0	11,888	0	2,383
Invesco SP 500 Low Volatility	Com	46138E354	204	3,493	SH		SOLE	0	3,493	0	0
Invesco Tr II Senior Loan ETF	Com	46138G508	99	4,350	SH		SOLE	0	4,350	0	0
Invesco Tr II Senior Loan ETF	Com	46138G508	180	7,875	SH		OTR	0	7,875	0	0
Ishares Barclays TIPS Bond ETF	Com	464287176	342	2,937	SH		SOLE	0	2,937	0	0
Ishares Core Total U.S. Aggreg	Com	464287226	243	2,166	SH		SOLE	0	2,166	0	0
Ishares Msci Emerging Mkt ETF	Com	464287234	3,190	71,087	SH		SOLE	0	70,261	525	301
Ishares Msci Emerging Mkt ETF	Com	464287234	769	17,144	SH		OTR	0	16,064	355	725
Ishares Msci Eafe ETF	Com	464287465	3,207	46,179	SH		SOLE	0	46,179	0	0
Ishares Msci Eafe ETF	Com	464287465	844	12,159	SH		OTR	0	11,549	285	325
Ishares Russell Mid Cap ETF	Com	464287499	280	4,695	SH		SOLE	0	4,695	0	0
Ishares Core S&P Mid-Cap ETF	Com	464287507	1,641	7,972	SH		SOLE	0	7,972	0	0
Ishares Core S&P Mid-Cap ETF	Com	464287507	533	2,591	SH		OTR	0	2,391	0	200
Ishares Nasdaq Biotech ETF	Com	464287556	2,741	22,741	SH		SOLE	0	22,153	96	492
Ishares Nasdaq Biotech ETF	Com	464287556	1,754	14,557	SH		OTR	0	12,367	615	1,575
Ishares S&P Midcap 400/Grwth E	Com	464287606	212	890	SH		SOLE	0	890	0	0
Ishares S&P Midcap 400/Grwth E	Com	464287606	130	545	SH		OTR	0	545	0	0
Ishares Russell 1000 Growth ET	Com	464287614	273	1,552	SH		SOLE	0	1,552	0	0
Ishares Russell 2000 ETF	Com	464287655	5,163	31,165	SH		SOLE	0	30,463	0	702
Ishares Russell 2000 ETF	Com	464287655	620	3,743	SH		OTR	0	3,473	235	35
Ishares DJ US Telcom Sector ET	Com	464287713	781	26,146	SH		SOLE	0	26,146	0	0
Ishares DJ US Telcom Sector ET	Com	464287713	586	19,615	SH		OTR	0	19,415	200	0
Ishares Core S&P Small-Cap ETF	Com	464287804	241	2,879	SH		SOLE	0	2,879	0	0
Ishares Msci Eafe Small Cap ET	Com	464288273	3,457	55,515	SH		SOLE	0	55,515	0	0
Ishares Msci Eafe Small Cap ET	Com	464288273	479	7,685	SH		OTR	0	7,685	0	0
Ishares New York Muni Bond ETF	Com	464288323	892	15,642	SH		SOLE	0	15,642	0	0
Ishares IBoxx High Yield Corpo	Com	464288513	1,525	17,345	SH		SOLE	0	17,345	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	2,402	63,897	SH		SOLE	0	63,897	0	0
Ishares S&P Pref Stk ETF	Com	464288687	592	15,743	SH		OTR	0	11,763	0	3,980
Ishares MSCI EAFE Growth ETF	Com	464288885	16,801	194,295	SH		SOLE	0	192,332	0	1,963
Ishares MSCI EAFE Growth ETF	Com	464288885	881	10,191	SH		OTR	0	10,180	11	0
IShares Russell Top 200 Growth	Com	464289438	247	2,560	SH		SOLE	0	2,560	0	0
Ishares Aaa-A Rated Corp Bond	Com	46429B291	211	3,855	SH		SOLE	0	3,855	0	0
iShares Core High Dividend ETF	Com	46429B663	291	2,966	SH		SOLE	0	2,966	0	0
Ishares Core Emerging Markets	Com	46434G103	3,074	57,178	SH		SOLE	0	57,178	0	0
Ishares Core Emerging Markets	Com	46434G103	737	13,700	SH		OTR	0	12,100	0	1,600
JP Morgan Chase & CO	Com	46625H100	9,887	70,926	SH		SOLE	0	69,839	112	975
JP Morgan Chase & CO	Com	46625H100	7,136	51,194	SH		OTR	0	43,994	640	6,560
Jacobs Engineering Group Inc	Com	469814107	81	898	SH		SOLE	0	898	0	0
Jacobs Engineering Group Inc	Com	469814107	267	2,975	SH		OTR	0	1,075	0	1,900
Johnson & Johnson	Com	478160104	9,380	64,306	SH		SOLE	0	60,413	150	3,743
Johnson & Johnson	Com	478160104	4,519	30,981	SH		OTR	0	26,966	310	3,705
Keycorp	Com	493267108	56	2,762	SH		SOLE	0	2,762	0	0
Keycorp	Com	493267108	289	14,300	SH		OTR	0	14,300	0	0
Kimberly Clark Corp	Com	494368103	542	3,938	SH		SOLE	0	3,938	0	0
Kimberly Clark Corp	Com	494368103	134	975	SH		OTR	0	975	0	0
Kraft Heinz CO	Com	500754106	69	2,144	SH		SOLE	0	2,144	0	0
Kraft Heinz CO	Com	500754106	229	7,127	SH		OTR	0	7,081	46	0
Lilly Eli & CO	Com	532457108	293	2,227	SH		SOLE	0	1,699	0	528
Lilly Eli & CO	Com	532457108	826	6,285	SH		OTR	0	5,260	0	1,025
Lockheed Martin Corp	Com	539830109	3,261	8,374	SH		SOLE	0	7,859	0	515
Lockheed Martin Corp	Com	539830109	987	2,534	SH		OTR	0	2,534	0	0
Lowes Cos Inc	Com	548661107	5,981	49,940	SH		SOLE	0	49,540	25	375
Lowes Cos Inc	Com	548661107	3,355	28,012	SH		OTR	0	26,677	335	1,000
Magellan Midstream Partners LP	Com	559080106	226	3,600	SH		OTR	0	0	0	3,600
Marriott International Inc	Com	571903202	397	2,622	SH		SOLE	0	2,622	0	0
Mastercard Inc Cl A	Com	57636Q104	153	511	SH		SOLE	0	511	0	0
Mastercard Inc Cl A	Com	57636Q104	209	700	SH		OTR	0	700	0	0
McDonalds Corp	Com	580135101	6,725	34,031	SH		SOLE	0	33,926	75	30
McDonalds Corp	Com	580135101	3,987	20,176	SH		OTR	0	19,161	265	750
Merck & CO Inc	Com	58933Y105	3,831	42,123	SH		SOLE	0	40,648	675	800
Merck & CO Inc	Com	58933Y105	2,123	23,337	SH		OTR	0	22,347	165	825
Metlife Inc	Com	59156R108	436	8,562	SH		SOLE	0	8,562	0	0
Metlife Inc	Com	59156R108	129	2,525	SH		OTR	0	2,114	111	300
Microsoft Corp	Com	594918104	13,300	84,338	SH		SOLE	0	81,923	225	2,190
Microsoft Corp	Com	594918104	7,604	48,217	SH		OTR	0	45,127	770	2,320
Microchip Technology Inc	Com	595017104	1,911	18,248	SH		SOLE	0	18,248	0	0
Microchip Technology Inc	Com	595017104	590	5,633	SH		OTR	0	4,708	150	775
Mondelez International Inc	Com	609207105	503	9,140	SH		SOLE	0	8,726	0	414
Mondelez International Inc	Com	609207105	1,023	18,567	SH		OTR	0	18,429	138	0
NBT Bancorp Inc	Com	628778102	5,539	136,569	SH		SOLE	0	60,228	0	76,341
NBT Bancorp Inc	Com	628778102	983	24,226	SH		OTR	0	20,960	0	3,266
Netflix Inc	Com	64110L106	243	752	SH		SOLE	0	752	0	0
Nextera Energy Inc	Com	65339F101	2,062	8,513	SH		SOLE	0	8,063	0	450
Nextera Energy Inc	Com	65339F101	1,966	8,117	SH		OTR	0	4,787	30	3,300
Nike Inc-Class B	Com	654106103	2,466	24,345	SH		SOLE	0	24,345	0	0
Nike Inc-Class B	Com	654106103	1,307	12,904	SH		OTR	0	8,904	0	4,000
Nokia Corp Sponsored ADR	Com	654902204	63	17,000	SH		OTR	0	0	0	17,000
Norfolk Southern Corp	Com	655844108	1,045	5,382	SH		SOLE	0	5,382	0	0
Norfolk Southern Corp	Com	655844108	1,417	7,300	SH		OTR	0	4,805	70	2,425
Novartis Ag Spons ADR	Com	66987V109	1,604	16,942	SH		SOLE	0	16,942	0	0
Novartis Ag Spons ADR	Com	66987V109	1,024	10,812	SH		OTR	0	10,412	150	250
Nucor Corp	Com	670346105	437	7,762	SH		SOLE	0	7,762	0	0
Nucor Corp	Com	670346105	371	6,600	SH		OTR	0	4,150	0	2,450
Nvidia Corp	Com	67066G104	145	615	SH		SOLE	0	615	0	0
Nvidia Corp	Com	67066G104	96	410	SH		OTR	0	410	0	0
O'Reilly Automotive Inc	Com	67103H107	263	600	SH		SOLE	0	600	0	0
Oracle Corporation	Com	68389X105	2,022	38,158	SH		SOLE	0	36,658	0	1,500
Oracle Corporation	Com	68389X105	594	11,215	SH		OTR	0	8,715	0	2,500
Paypal Holdings Inc	Com	70450Y103	154	1,422	SH		SOLE	0	1,422	0	0
Paypal Holdings Inc	Com	70450Y103	398	3,680	SH		OTR	0	1,430	0	2,250
Pepsico Inc	Com	713448108	6,536	47,821	SH		SOLE	0	47,421	100	300
Pepsico Inc	Com	713448108	3,213	23,507	SH		OTR	0	22,352	345	810
Pfizer Inc	Com	717081103	4,171	106,458	SH		SOLE	0	103,358	0	3,100
Pfizer Inc	Com	717081103	2,886	73,657	SH		OTR	0	69,328	1,740	2,589
Philip Morris International	Com	718172109	722	8,482	SH		SOLE	0	7,807	0	675
Philip Morris International	Com	718172109	2,510	29,502	SH		OTR	0	29,352	150	0
T Rowe Price Group Inc	Com	74144T108	3,375	27,702	SH		SOLE	0	27,652	50	0
T Rowe Price Group Inc	Com	74144T108	1,919	15,752	SH		OTR	0	15,157	295	300
Procter & Gamble CO	Com	742718109	9,049	72,446	SH		SOLE	0	68,281	450	3,715
Procter & Gamble CO	Com	742718109	4,912	39,329	SH		OTR	0	34,314	405	4,610
Prudential Finl Inc	Com	744320102	1,455	15,524	SH		SOLE	0	15,474	50	0
Prudential Finl Inc	Com	744320102	1,168	12,457	SH		OTR	0	12,107	150	200
Public Service Enterprise Grou	Com	744573106	126	2,141	SH		SOLE	0	2,141	0	0
Public Service Enterprise Grou	Com	744573106	151	2,550	SH		OTR	0	2,550	0	0
Qualcomm Inc	Com	747525103	2,251	25,513	SH		SOLE	0	25,088	0	425
Qualcomm Inc	Com	747525103	1,199	13,594	SH		OTR	0	12,969	125	500
Quanta Services Incorporated	Com	74762E102	246	6,050	SH		OTR	0	2,100	0	3,950
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
S&P Global Inc	Com	78409V104	4	14	SH		SOLE	0	14	0	0
S&P Global Inc	Com	78409V104	546	2,000	SH		OTR	0	0	0	2,000
SPDR S&P 500 ETF Trust	Com	78462F103	3,565	11,076	SH		SOLE	0	10,767	0	309
SPDR S&P 500 ETF Trust	Com	78462F103	1,041	3,233	SH		OTR	0	2,873	160	200
SPDR Gold Trust	Com	78463V107	246	1,724	SH		SOLE	0	1,724	0	0
SPDR Gold Trust	Com	78463V107	7	50	SH		OTR	0	50	0	0
SPDR Portfolio Developed Wld e	Com	78463X889	6,999	223,249	SH		SOLE	0	223,249	0	0
SPDR Portfolio Developed Wld e	Com	78463X889	1,208	38,525	SH		OTR	0	38,525	0	0
SPDR S&P Sm Cap Value ETF	Com	78464A300	439	6,680	SH		SOLE	0	6,680	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	2,194	37,657	SH		SOLE	0	37,657	0	0
SPDR S&P Regional Banking ETF	Com	78464A698	1,268	21,762	SH		OTR	0	21,562	100	100
SPDR S&P Dividend ETF	Com	78464A763	10,056	93,483	SH		SOLE	0	93,483	0	0
SPDR S&P Dividend ETF	Com	78464A763	844	7,850	SH		OTR	0	7,450	0	400
SPDR Dow Jones Industrial Aver	Com	78467X109	1,050	3,682	SH		SOLE	0	3,682	0	0
SPDR Dow Jones Industrial Aver	Com	78467X109	351	1,230	SH		OTR	0	1,130	0	100
Midcap SPDR Trust Series 1	Com	78467Y107	7,219	19,232	SH		SOLE	0	18,856	0	376
Midcap SPDR Trust Series 1	Com	78467Y107	920	2,451	SH		OTR	0	2,271	125	55
Salesforce.Com	Com	79466L302	1,179	7,247	SH		SOLE	0	7,227	20	0
Salesforce.Com	Com	79466L302	768	4,720	SH		OTR	0	4,720	0	0
Schlumberger Ltd	Com	806857108	1,218	30,306	SH		SOLE	0	29,616	0	690
Schlumberger Ltd	Com	806857108	521	12,963	SH		OTR	0	11,103	160	1,700
Charles Schwab Corp	Com	808513105	216	4,537	SH		SOLE	0	4,537	0	0
Charles Schwab Corp	Com	808513105	184	3,875	SH		OTR	0	3,875	0	0
Schwab US Small Cap ETF	Com	808524607	442	5,850	SH		SOLE	0	5,850	0	0
Schwab Fundamental Intl Lg Co	Com	808524755	232	8,015	SH		SOLE	0	8,015	0	0
Schwab US Dividend Equity ETF	Com	808524797	4,710	81,318	SH		SOLE	0	79,972	0	1,346
Schwab US Dividend Equity ETF	Com	808524797	745	12,860	SH		OTR	0	12,860	0	0
Schwab International Equity ET	Com	808524805	258	7,675	SH		SOLE	0	7,675	0	0
Schwab International Equity ET	Com	808524805	99	2,937	SH		OTR	0	2,937	0	0
Materials Select SPDR Fund	Com	81369Y100	1,238	20,164	SH		SOLE	0	18,284	0	1,880
Materials Select SPDR Fund	Com	81369Y100	561	9,131	SH		OTR	0	8,301	375	455
Health Care Select Sector SPDR	Com	81369Y209	1,039	10,205	SH		SOLE	0	10,205	0	0
Health Care Select Sector SPDR	Com	81369Y209	217	2,130	SH		OTR	0	2,130	0	0
Consumer Staples Select Sector	Com	81369Y308	602	9,551	SH		SOLE	0	9,166	0	385
Consumer Staples Select Sector	Com	81369Y308	80	1,277	SH		OTR	0	987	100	190
Consumer Discretionary Selt	Com	81369Y407	1,453	11,586	SH		SOLE	0	10,386	0	1,200
Consumer Discretionary Selt	Com	81369Y407	162	1,295	SH		OTR	0	770	390	135
Energy Select Sector SPDR	Com	81369Y506	595	9,916	SH		SOLE	0	9,541	0	375
Energy Select Sector SPDR	Com	81369Y506	60	993	SH		OTR	0	760	80	153
Financial Select Sector SPDR	Com	81369Y605	997	32,393	SH		SOLE	0	30,893	0	1,500
Financial Select Sector SPDR	Com	81369Y605	26	860	SH		OTR	0	660	200	0
Industrial Select Sector SPDR	Com	81369Y704	1,097	13,460	SH		SOLE	0	13,460	0	0
Industrial Select Sector SPDR	Com	81369Y704	114	1,400	SH		OTR	0	1,300	0	100
Technology Select Sect SPDR	Com	81369Y803	2,248	24,525	SH		SOLE	0	24,288	162	75
Technology Select Sect SPDR	Com	81369Y803	233	2,537	SH		OTR	0	2,387	150	0
Real Estate Select Sect SPDR	Com	81369Y860	993	25,666	SH		SOLE	0	24,144	105	1,417
Real Estate Select Sect SPDR	Com	81369Y860	1,079	27,908	SH		OTR	0	27,737	46	125
Utilities Select Sector SPDR	Com	81369Y886	1,854	28,686	SH		SOLE	0	27,636	0	1,050
Utilities Select Sector SPDR	Com	81369Y886	1,224	18,943	SH		OTR	0	17,956	475	512
Skyworks Solutions Inc	Com	83088M102	2	18	SH		SOLE	0	18	0	0
Skyworks Solutions Inc	Com	83088M102	218	1,800	SH		OTR	0	0	0	1,800
Southern Company	Com	842587107	1,203	18,880	SH		SOLE	0	18,880	0	0
Southern Company	Com	842587107	915	14,360	SH		OTR	0	14,235	0	125
Starbucks Corp	Com	855244109	128	1,461	SH		SOLE	0	1,461	0	0
Starbucks Corp	Com	855244109	436	4,960	SH		OTR	0	4,960	0	0
State Street Corp	Com	857477103	243	3,070	SH		SOLE	0	3,070	0	0
State Street Corp	Com	857477103	51	650	SH		OTR	0	575	0	75
Stericycle Inc	Com	858912108	150	2,355	SH		SOLE	0	2,355	0	0
Stericycle Inc	Com	858912108	101	1,575	SH		OTR	0	725	0	850
Stryker Corporation	Com	863667101	382	1,819	SH		SOLE	0	1,819	0	0
Sysco Corp	Com	871829107	644	7,530	SH		SOLE	0	7,530	0	0
Sysco Corp	Com	871829107	609	7,124	SH		OTR	0	6,699	0	425
TJX Cos Inc	Com	872540109	2,126	34,820	SH		SOLE	0	33,520	300	1,000
TJX Cos Inc	Com	872540109	2,283	37,382	SH		OTR	0	32,756	340	4,286
Target Corp	Com	87612E106	2,956	23,058	SH		SOLE	0	22,783	0	275
Target Corp	Com	87612E106	1,873	14,612	SH		OTR	0	11,772	175	2,665
Thermo Fisher Scientific Inc	Com	883556102	6	18	SH		SOLE	0	18	0	0
Thermo Fisher Scientific Inc	Com	883556102	422	1,300	SH		OTR	0	0	0	1,300
3m CO	Com	88579Y101	1,823	10,333	SH		SOLE	0	9,373	340	620
3m CO	Com	88579Y101	297	1,685	SH		OTR	0	1,350	35	300
US Bancorp New	Com	902973304	1,201	20,252	SH		SOLE	0	20,252	0	0
US Bancorp New	Com	902973304	496	8,365	SH		OTR	0	5,179	470	2,716
Union Pac Corp	Com	907818108	3,867	21,387	SH		SOLE	0	20,687	0	700
Union Pac Corp	Com	907818108	3,400	18,805	SH		OTR	0	16,398	0	2,407
United Parcel Service Cl B	Com	911312106	539	4,605	SH		SOLE	0	4,605	0	0
United Parcel Service Cl B	Com	911312106	324	2,764	SH		OTR	0	2,764	0	0
United Technologies Corp	Com	913017109	5,697	38,041	SH		SOLE	0	37,361	100	580
United Technologies Corp	Com	913017109	4,066	27,152	SH		OTR	0	23,511	1,186	2,455
Unitedhealth Group Inc	Com	91324P102	2,835	9,642	SH		SOLE	0	9,442	0	200
Unitedhealth Group Inc	Com	91324P102	1,513	5,147	SH		OTR	0	4,192	130	825
Univest Corp of Pennsylvania	Com	915271100	316	11,812	SH		OTR	0	11,812	0	0
V.F. Corp	Com	918204108	164	1,644	SH		SOLE	0	1,644	0	0
V.F. Corp	Com	918204108	51	513	SH		OTR	0	513	0	0
Vaneck Vectors Agribusiness ET	Com	92189F700	951	13,841	SH		SOLE	0	13,191	50	600
Vaneck Vectors Agribusiness ET	Com	92189F700	788	11,468	SH		OTR	0	11,243	125	100
Vanguard Intermediate-Term Bon	Com	921937819	349	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	447	5,326	SH		SOLE	0	5,326	0	0
Vanguard FTSE Developed Market	Com	921943858	227	5,158	SH		SOLE	0	5,158	0	0
Vanguard FTSE Developed Market	Com	921943858	162	3,680	SH		OTR	0	3,680	0	0
Vanguard High Dividend Yield E	Com	921946406	115	1,225	SH		SOLE	0	1,225	0	0
Vanguard High Dividend Yield E	Com	921946406	102	1,092	SH		OTR	0	1,092	0	0
Vanguard Ftse Emerging Markets	Com	922042858	977	21,973	SH		SOLE	0	21,973	0	0
Vanguard Ftse Emerging Markets	Com	922042858	450	10,118	SH		OTR	0	9,618	0	500
Vanguard Inter Term Corp Bond	Com	92206C870	1,293	14,156	SH		SOLE	0	14,156	0	0
Vanguard Inter Term Corp Bond	Com	92206C870	1,019	11,155	SH		OTR	0	11,155	0	0
Vanguard S&P 500 ETF	Com	922908363	11,184	37,810	SH		SOLE	0	37,623	0	187
Vanguard Real Estate ETF	Com	922908553	1,694	18,252	SH		SOLE	0	18,252	0	0
Vanguard Real Estate ETF	Com	922908553	557	6,004	SH		OTR	0	5,590	239	175
Veoneer Incorporated Com	Com	92336X109	167	10,712	SH		SOLE	0	9,962	0	750
Veoneer Incorporated Com	Com	92336X109	194	12,394	SH		OTR	0	12,394	0	0
Verizon Communications	Com	92343V104	3,782	61,591	SH		SOLE	0	59,804	860	927
Verizon Communications	Com	92343V104	3,042	49,549	SH		OTR	0	44,663	460	4,426
Visa Inc Cl A	Com	92826C839	1,424	7,579	SH		SOLE	0	7,579	0	0
Visa Inc Cl A	Com	92826C839	1,229	6,540	SH		OTR	0	5,340	100	1,100
Wal Mart Inc	Com	931142103	1,735	14,599	SH		SOLE	0	14,199	0	400
Wal Mart Inc	Com	931142103	1,371	11,539	SH		OTR	0	10,123	350	1,066
Walgreens Boots Alliance Inc	Com	931427108	292	4,954	SH		SOLE	0	4,954	0	0
Walgreens Boots Alliance Inc	Com	931427108	79	1,347	SH		OTR	0	745	0	602
Waste Management Inc	Com	94106L109	61	535	SH		SOLE	0	535	0	0
Waste Management Inc	Com	94106L109	162	1,425	SH		OTR	0	1,200	0	225
Wells Fargo & CO	Com	949746101	2,381	44,251	SH		SOLE	0	43,851	0	400
Wells Fargo & CO	Com	949746101	1,110	20,623	SH		OTR	0	17,393	930	2,300
WisdomTree MidCap Dividend ETF	Com	97717W505	2,858	75,136	SH		SOLE	0	74,218	0	918
WisdomTree MidCap Dividend ETF	Com	97717W505	795	20,901	SH		OTR	0	16,001	0	4,900
WisdomTree SmallCap Dividend E	Com	97717W604	1,313	45,781	SH		SOLE	0	45,594	0	187
WisdomTree SmallCap Dividend E	Com	97717W604	370	12,906	SH		OTR	0	12,071	0	835
Xcel Energy Inc	Com	98389B100	196	3,086	SH		SOLE	0	3,086	0	0
Xcel Energy Inc	Com	98389B100	208	3,275	SH		OTR	0	775	0	2,500
Xylem Inc	Com	98419M100	349	4,435	SH		SOLE	0	4,435	0	0
Xylem Inc	Com	98419M100	248	3,150	SH		OTR	0	3,150	0	0
Yum! Brands Inc	Com	988498101	453	4,493	SH		SOLE	0	4,493	0	0
Yum! Brands Inc	Com	988498101	82	814	SH		OTR	0	814	0	0
Zimmer Biomet Holdings Inc	Com	98956P102	471	3,144	SH		SOLE	0	2,814	60	270
Zimmer Biomet Holdings Inc	Com	98956P102	234	1,565	SH		OTR	0	1,462	23	80
Accenture PLC Cl A	Com	G1151C101	61	290	SH		SOLE	0	290	0	0
Accenture PLC Cl A	Com	G1151C101	274	1,300	SH		OTR	0	0	0	1,300
Eaton Corp PLC	Com	G29183103	425	4,486	SH		SOLE	0	4,486	0	0
Eaton Corp PLC	Com	G29183103	564	5,959	SH		OTR	0	4,884	0	1,075
Linde PLC	Com	G5494J103	1,631	7,660	SH		SOLE	0	7,660	0	0
Linde PLC	Com	G5494J103	894	4,199	SH		OTR	0	3,074	0	1,125
Medtronic PLC	Com	G5960L103	1,181	10,406	SH		SOLE	0	10,406	0	0
Medtronic PLC	Com	G5960L103	1,009	8,893	SH		OTR	0	8,822	71	0