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	2,025	69,455	SH		SOLE	0	68,055	0	1,400
AT&T Inc	Com	00206R102	1,245	42,705	SH		OTR	0	37,042	400	5,263
Abbott Labs	Com	002824100	4,997	63,319	SH		SOLE	0	62,819	0	500
Abbott Labs	Com	002824100	1,786	22,634	SH		OTR	0	20,715	621	1,298
Abbvie Inc	Com	00287Y109	2,050	26,911	SH		SOLE	0	26,711	0	200
Abbvie Inc	Com	00287Y109	1,481	19,442	SH		OTR	0	15,927	295	3,220
Activision Blizzard, Inc	Com	00507V109	604	10,157	SH		SOLE	0	10,157	0	0
Activision Blizzard, Inc	Com	00507V109	406	6,825	SH		OTR	0	6,825	0	0
Air Products & Chemicals Inc	Com	009158106	1,278	6,401	SH		SOLE	0	6,401	0	0
Air Products & Chemicals Inc	Com	009158106	429	2,150	SH		OTR	0	2,150	0	0
Alphabet Inc Cl C	Com	02079K107	2,797	2,405	SH		SOLE	0	2,350	0	55
Alphabet Inc Cl C	Com	02079K107	2,564	2,205	SH		OTR	0	2,075	0	130
Alphabet Inc Cl A	Com	02079K305	2,352	2,024	SH		SOLE	0	2,004	0	20
Alphabet Inc Cl A	Com	02079K305	572	492	SH		OTR	0	377	0	115
Altria Group Inc	Com	02209S103	463	11,969	SH		SOLE	0	11,194	0	775
Altria Group Inc	Com	02209S103	1,363	35,242	SH		OTR	0	34,342	200	700
Amazon.Com Inc	Com	023135106	1,234	633	SH		SOLE	0	633	0	0
Amazon.Com Inc	Com	023135106	583	299	SH		OTR	0	239	0	60
American Express CO	Com	025816109	502	5,862	SH		SOLE	0	5,862	0	0
American Express CO	Com	025816109	287	3,351	SH		OTR	0	1,365	0	1,986
American Tower Corp REIT	Com	03027X100	116	534	SH		SOLE	0	534	0	0
American Tower Corp REIT	Com	03027X100	139	640	SH		OTR	0	640	0	0
American Water Works CO Inc	Com	030420103	1,336	11,174	SH		SOLE	0	11,174	0	0
American Water Works CO Inc	Com	030420103	943	7,885	SH		OTR	0	6,355	100	1,430
Amgen Inc	Com	031162100	535	2,638	SH		SOLE	0	2,638	0	0
Amgen Inc	Com	031162100	357	1,760	SH		OTR	0	1,760	0	0
Apache Corp	Com	037411105	46	11,098	SH		SOLE	0	11,098	0	0
Apache Corp	Com	037411105	15	3,580	SH		OTR	0	2,880	100	600
Apple Inc	Com	037833100	11,921	46,878	SH		SOLE	0	43,683	105	3,090
Apple Inc	Com	037833100	6,424	25,263	SH		OTR	0	21,478	790	2,995
Arrow Finl Corp	Com	042744102	461	16,536	SH		SOLE	0	9,048	0	7,488
Arrow Finl Corp	Com	042744102	100	3,581	SH		OTR	0	3,581	0	0
Autoliv Inc	Com	052800109	490	10,642	SH		SOLE	0	9,892	0	750
Autoliv Inc	Com	052800109	567	12,321	SH		OTR	0	12,321	0	0
Automatic Data Processing Inc	Com	053015103	3,389	24,798	SH		SOLE	0	24,518	0	280
Automatic Data Processing Inc	Com	053015103	982	7,183	SH		OTR	0	6,563	140	480
BP PLC Spons ADR	Com	055622104	83	3,414	SH		SOLE	0	3,414	0	0
BP PLC Spons ADR	Com	055622104	207	8,480	SH		OTR	0	8,280	0	200
Bank of America Corp	Com	060505104	521	24,563	SH		SOLE	0	24,563	0	0
Bank of America Corp	Com	060505104	220	10,375	SH		OTR	0	10,375	0	0
Bank of New York Mellon Corp	Com	064058100	366	10,859	SH		SOLE	0	10,859	0	0
Bank of New York Mellon Corp	Com	064058100	28	838	SH		OTR	0	338	0	500
Baxter Intl Inc	Com	071813109	648	7,984	SH		SOLE	0	7,984	0	0
Baxter Intl Inc	Com	071813109	332	4,085	SH		OTR	0	2,525	100	1,460
Becton Dickinson	Com	075887109	384	1,672	SH		SOLE	0	1,672	0	0
Becton Dickinson	Com	075887109	243	1,057	SH		OTR	0	1,057	0	0
Berkshire Hathaway Inc-Cl B	Com	084670702	2,078	11,366	SH		SOLE	0	11,136	30	200
Berkshire Hathaway Inc-Cl B	Com	084670702	1,644	8,993	SH		OTR	0	8,973	20	0
Best Buy Company Inc	Com	086516101	265	4,643	SH		SOLE	0	4,643	0	0
Best Buy Company Inc	Com	086516101	23	395	SH		OTR	0	395	0	0
Biogen Inc	Com	09062X103	91	289	SH		SOLE	0	289	0	0
Biogen Inc	Com	09062X103	152	480	SH		OTR	0	480	0	0
Blackrock Inc Cl A	Com	09247X101	26	59	SH		SOLE	0	59	0	0
Blackrock Inc Cl A	Com	09247X101	211	480	SH		OTR	0	80	0	400
Boeing CO	Com	097023105	795	5,329	SH		SOLE	0	5,094	0	235
Boeing CO	Com	097023105	1,255	8,416	SH		OTR	0	7,716	150	550
Bristol Myers Squibb CO	Com	110122108	3,823	68,594	SH		SOLE	0	65,749	725	2,120
Bristol Myers Squibb CO	Com	110122108	2,199	39,445	SH		OTR	0	33,565	480	5,400
Cigna Corp	Com	125523100	184	1,038	SH		SOLE	0	1,001	0	37
Cigna Corp	Com	125523100	22	126	SH		OTR	0	126	0	0
Csx Corp	Com	126408103	174	3,031	SH		SOLE	0	3,031	0	0
Csx Corp	Com	126408103	124	2,160	SH		OTR	0	2,160	0	0
CVS Health Corp	Com	126650100	2,044	34,451	SH		SOLE	0	33,811	0	640
CVS Health Corp	Com	126650100	906	15,268	SH		OTR	0	13,353	340	1,575
Caterpillar Inc	Com	149123101	1,583	13,643	SH		SOLE	0	13,643	0	0
Caterpillar Inc	Com	149123101	1,193	10,280	SH		OTR	0	9,935	45	300
Chevron Corporation	Com	166764100	3,444	47,536	SH		SOLE	0	46,146	375	1,015
Chevron Corporation	Com	166764100	2,569	35,452	SH		OTR	0	33,624	485	1,343
Cisco Systems Inc	Com	17275R102	2,785	70,857	SH		SOLE	0	68,102	0	2,755
Cisco Systems Inc	Com	17275R102	1,940	49,351	SH		OTR	0	48,151	595	605
Citigroup Inc	Com	172967424	484	11,489	SH		SOLE	0	11,489	0	0
Citigroup Inc	Com	172967424	306	7,270	SH		OTR	0	6,370	150	750
Clorox Company	Com	189054109	979	5,652	SH		SOLE	0	5,652	0	0
Clorox Company	Com	189054109	547	3,160	SH		OTR	0	2,675	0	485
Coca Cola CO	Com	191216100	2,111	47,702	SH		SOLE	0	42,342	960	4,400
Coca Cola CO	Com	191216100	1,248	28,205	SH		OTR	0	22,940	150	5,115
Colgate Palmolive CO	Com	194162103	1,078	16,247	SH		SOLE	0	14,417	430	1,400
Colgate Palmolive CO	Com	194162103	913	13,760	SH		OTR	0	10,060	0	3,700
ComCast Corp-Cl A	Com	20030N101	890	25,884	SH		SOLE	0	24,102	0	1,782
ComCast Corp-Cl A	Com	20030N101	346	10,059	SH		OTR	0	7,836	650	1,573
Conocophillips	Com	20825C104	294	9,551	SH		SOLE	0	9,451	100	0
Conocophillips	Com	20825C104	87	2,837	SH		OTR	0	2,587	100	150
Corning Inc	Com	219350105	310	15,101	SH		SOLE	0	15,101	0	0
Corning Inc	Com	219350105	336	16,350	SH		OTR	0	13,600	900	1,850
Corteva Inc Com	Com	22052L104	77	3,279	SH		SOLE	0	3,188	0	91
Corteva Inc Com	Com	22052L104	224	9,530	SH		OTR	0	9,020	0	510
Costco Wholesale Corp	Com	22160K105	515	1,806	SH		SOLE	0	1,806	0	0
Costco Wholesale Corp	Com	22160K105	348	1,219	SH		OTR	0	579	0	640
Danaher Corp	Com	235851102	3,211	23,196	SH		SOLE	0	21,366	0	1,830
Danaher Corp	Com	235851102	1,746	12,618	SH		OTR	0	10,918	140	1,560
Deere & CO	Com	244199105	1,337	9,676	SH		SOLE	0	9,486	25	165
Deere & CO	Com	244199105	1,679	12,154	SH		OTR	0	12,084	70	0
Digital Realty Trust Inc REIT	Com	253868103	127	917	SH		SOLE	0	917	0	0
Digital Realty Trust Inc REIT	Com	253868103	166	1,196	SH		OTR	0	1,196	0	0
Disney Walt CO New	Com	254687106	3,576	37,023	SH		SOLE	0	36,238	0	785
Disney Walt CO New	Com	254687106	2,135	22,104	SH		OTR	0	20,739	570	795
Dominion Resources Inc	Com	25746U109	1,143	15,829	SH		SOLE	0	15,519	0	310
Dominion Resources Inc	Com	25746U109	731	10,125	SH		OTR	0	7,595	80	2,450
Dow Inc Com	Com	260557103	391	13,380	SH		SOLE	0	13,289	0	91
Dow Inc Com	Com	260557103	420	14,379	SH		OTR	0	13,123	16	1,240
Duke Energy Corp	Com	26441C204	242	2,988	SH		SOLE	0	2,688	300	0
Duke Energy Corp	Com	26441C204	151	1,862	SH		OTR	0	1,762	100	0
Dupont De Nemours Inc	Com	26614N102	498	14,609	SH		SOLE	0	14,518	0	91
Dupont De Nemours Inc	Com	26614N102	521	15,266	SH		OTR	0	14,123	16	1,127
Ecolab Inc	Com	278865100	1,283	8,232	SH		SOLE	0	8,232	0	0
Ecolab Inc	Com	278865100	425	2,730	SH		OTR	0	2,090	40	600
Emerson Elec CO	Com	291011104	603	12,645	SH		SOLE	0	12,645	0	0
Emerson Elec CO	Com	291011104	279	5,856	SH		OTR	0	5,756	100	0
Exelon Corp	Com	30161N101	156	4,248	SH		SOLE	0	4,248	0	0
Exelon Corp	Com	30161N101	124	3,365	SH		OTR	0	3,015	0	350
Exxonmobil Corp	Com	30231G102	3,619	95,313	SH		SOLE	0	91,073	820	3,420
Exxonmobil Corp	Com	30231G102	2,973	78,286	SH		OTR	0	74,941	635	2,710
Facebook Inc-A	Com	30303M102	879	5,272	SH		SOLE	0	5,272	0	0
Facebook Inc-A	Com	30303M102	725	4,349	SH		OTR	0	4,349	0	0
Fiserv Inc	Com	337738108	663	6,976	SH		SOLE	0	6,976	0	0
Fiserv Inc	Com	337738108	121	1,274	SH		OTR	0	1,274	0	0
FlexShares Mstar Glbl Upstrm N	Com	33939L407	28,251	1,253,925	SH		SOLE	0	1,246,219	0	7,706
FlexShares Mstar Glbl Upstrm N	Com	33939L407	2,859	126,884	SH		OTR	0	120,202	340	6,342
FlexShares Global Quality Real	Com	33939L787	909	19,193	SH		SOLE	0	19,193	0	0
FlexShares Global Quality Real	Com	33939L787	1	30	SH		OTR	0	30	0	0
FlexShares STOXX Glbl Brd Infr	Com	33939L795	3,433	79,438	SH		SOLE	0	79,438	0	0
FlexShares STOXX Glbl Brd Infr	Com	33939L795	225	5,200	SH		OTR	0	4,495	0	705
FlexShares International Quali	Com	33939L837	489	27,595	SH		SOLE	0	27,595	0	0
FlexShares International Quali	Com	33939L837	65	3,655	SH		OTR	0	3,655	0	0
Fortive Corp	Com	34959J108	310	5,616	SH		SOLE	0	5,006	0	610
Fortive Corp	Com	34959J108	123	2,229	SH		OTR	0	1,385	50	794
General Dynamics Corp	Com	369550108	728	5,501	SH		SOLE	0	5,351	0	150
General Dynamics Corp	Com	369550108	156	1,180	SH		OTR	0	1,080	0	100
General Electric Corp	Com	369604103	322	40,525	SH		SOLE	0	40,525	0	0
General Electric Corp	Com	369604103	221	27,820	SH		OTR	0	26,795	0	1,025
General Mls Inc	Com	370334104	591	11,205	SH		SOLE	0	11,205	0	0
General Mls Inc	Com	370334104	431	8,170	SH		OTR	0	6,375	100	1,695
Gilead Sciences Inc	Com	375558103	355	4,751	SH		SOLE	0	4,751	0	0
Gilead Sciences Inc	Com	375558103	285	3,815	SH		OTR	0	1,315	0	2,500
Glaxo Smithkline Spons ADR	Com	37733W105	281	7,426	SH		SOLE	0	7,426	0	0
Glaxo Smithkline Spons ADR	Com	37733W105	197	5,212	SH		OTR	0	4,207	255	750
Goldman Sachs Group Inc	Com	38141G104	621	4,014	SH		SOLE	0	3,994	20	0
Goldman Sachs Group Inc	Com	38141G104	589	3,810	SH		OTR	0	3,810	0	0
Grainger W W Inc	Com	384802104	957	3,850	SH		SOLE	0	3,850	0	0
Grainger W W Inc	Com	384802104	600	2,415	SH		OTR	0	1,445	100	870
Home Depot Inc	Com	437076102	636	3,408	SH		SOLE	0	3,408	0	0
Home Depot Inc	Com	437076102	1,185	6,345	SH		OTR	0	4,945	150	1,250
Honeywell International Inc	Com	438516106	2,432	18,175	SH		SOLE	0	17,310	0	865
Honeywell International Inc	Com	438516106	1,105	8,256	SH		OTR	0	5,515	300	2,441
Illinois Tool Wks Inc	Com	452308109	281	1,976	SH		SOLE	0	1,976	0	0
Illinois Tool Wks Inc	Com	452308109	64	450	SH		OTR	0	450	0	0
Intel Corp	Com	458140100	6,148	113,603	SH		SOLE	0	110,903	1,200	1,500
Intel Corp	Com	458140100	2,389	44,149	SH		OTR	0	41,049	1,250	1,850
Intercontinental Exchange Inc	Com	45866F104	560	6,935	SH		SOLE	0	6,935	0	0
Intercontinental Exchange Inc	Com	45866F104	79	975	SH		OTR	0	775	0	200
Intl. Business Machines Corp	Com	459200101	1,398	12,599	SH		SOLE	0	11,209	435	955
Intl. Business Machines Corp	Com	459200101	1,494	13,471	SH		OTR	0	11,888	0	1,583
Invesco Tr II Senior Loan ETF	Com	46138G508	89	4,350	SH		SOLE	0	4,350	0	0
Invesco Tr II Senior Loan ETF	Com	46138G508	161	7,875	SH		OTR	0	7,875	0	0
Ishares Barclays TIPS Bond ETF	Com	464287176	346	2,937	SH		SOLE	0	2,937	0	0
Ishares Core Total U.S. Aggreg	Com	464287226	239	2,071	SH		SOLE	0	2,071	0	0
Ishares Msci Emerging Mkt ETF	Com	464287234	2,455	71,917	SH		SOLE	0	71,091	525	301
Ishares Msci Emerging Mkt ETF	Com	464287234	585	17,144	SH		OTR	0	16,064	355	725
Ishares Msci Eafe ETF	Com	464287465	2,470	46,199	SH		SOLE	0	46,199	0	0
Ishares Msci Eafe ETF	Com	464287465	655	12,259	SH		OTR	0	11,649	285	325
Ishares Russell Mid Cap ETF	Com	464287499	203	4,695	SH		SOLE	0	4,695	0	0
Ishares Core S&P Mid-Cap ETF	Com	464287507	1,215	8,449	SH		SOLE	0	8,449	0	0
Ishares Core S&P Mid-Cap ETF	Com	464287507	297	2,066	SH		OTR	0	1,866	0	200
Ishares Nasdaq Biotech ETF	Com	464287556	2,506	23,259	SH		SOLE	0	22,671	96	492
Ishares Nasdaq Biotech ETF	Com	464287556	1,595	14,807	SH		OTR	0	12,617	615	1,575
Ishares S&P Midcap 400/Grwth E	Com	464287606	159	890	SH		SOLE	0	890	0	0
Ishares S&P Midcap 400/Grwth E	Com	464287606	97	545	SH		OTR	0	545	0	0
Ishares Russell 2000 ETF	Com	464287655	3,523	30,776	SH		SOLE	0	30,074	0	702
Ishares Russell 2000 ETF	Com	464287655	385	3,363	SH		OTR	0	3,143	185	35
Ishares DJ US Telcom Sector ET	Com	464287713	657	26,433	SH		SOLE	0	26,433	0	0
Ishares DJ US Telcom Sector ET	Com	464287713	487	19,615	SH		OTR	0	19,415	200	0
Ishares Msci Eafe Small Cap ET	Com	464288273	2,599	57,980	SH		SOLE	0	57,980	0	0
Ishares Msci Eafe Small Cap ET	Com	464288273	356	7,940	SH		OTR	0	7,940	0	0
Ishares New York Muni Bond ETF	Com	464288323	884	15,642	SH		SOLE	0	15,642	0	0
Ishares IBoxx High Yield Corpo	Com	464288513	1,306	16,945	SH		SOLE	0	16,945	0	0
Ishares IBoxx High Yield Corpo	Com	464288513	6	80	SH		OTR	0	80	0	0
ISHARES TR SHORT-TERM CORP BD	Com	464288646	234	4,478	SH		SOLE	0	4,478	0	0
Ishares S&P Pref Stk ETF	Com	464288687	2,034	63,878	SH		SOLE	0	63,878	0	0
Ishares S&P Pref Stk ETF	Com	464288687	510	16,027	SH		OTR	0	12,047	0	3,980
Ishares MSCI EAFE Growth ETF	Com	464288885	15,221	214,045	SH		SOLE	0	211,721	0	2,324
Ishares MSCI EAFE Growth ETF	Com	464288885	968	13,611	SH		OTR	0	13,600	11	0
Ishares Aaa-A Rated Corp Bond	Com	46429B291	213	3,855	SH		SOLE	0	3,855	0	0
iShares Core High Dividend ETF	Com	46429B663	238	3,331	SH		SOLE	0	3,331	0	0
iShares Edge MSCI USA Quality	Com	46432F339	224	2,758	SH		SOLE	0	2,758	0	0
Ishares Core Msci Eafe ETF	Com	46432F842	448	8,978	SH		SOLE	0	8,978	0	0
Ishares Core Emerging Markets	Com	46434G103	2,138	52,838	SH		SOLE	0	52,838	0	0
Ishares Core Emerging Markets	Com	46434G103	542	13,385	SH		OTR	0	11,785	0	1,600
JP Morgan Chase & CO	Com	46625H100	6,336	70,376	SH		SOLE	0	69,289	112	975
JP Morgan Chase & CO	Com	46625H100	4,601	51,100	SH		OTR	0	43,900	640	6,560
Jacobs Engineering Group Inc	Com	469814107	71	898	SH		SOLE	0	898	0	0
Jacobs Engineering Group Inc	Com	469814107	236	2,975	SH		OTR	0	1,075	0	1,900
Johnson & Johnson	Com	478160104	8,295	63,259	SH		SOLE	0	59,366	150	3,743
Johnson & Johnson	Com	478160104	4,023	30,681	SH		OTR	0	26,666	310	3,705
Keycorp	Com	493267108	29	2,762	SH		SOLE	0	2,762	0	0
Keycorp	Com	493267108	148	14,300	SH		OTR	0	14,300	0	0
Kimberly Clark Corp	Com	494368103	504	3,938	SH		SOLE	0	3,938	0	0
Kimberly Clark Corp	Com	494368103	125	975	SH		OTR	0	975	0	0
Kraft Heinz CO	Com	500754106	53	2,144	SH		SOLE	0	2,144	0	0
Kraft Heinz CO	Com	500754106	176	7,127	SH		OTR	0	7,081	46	0
Lilly Eli & CO	Com	532457108	286	2,059	SH		SOLE	0	1,531	0	528
Lilly Eli & CO	Com	532457108	865	6,235	SH		OTR	0	5,210	0	1,025
Lockheed Martin Corp	Com	539830109	2,701	7,968	SH		SOLE	0	7,453	0	515
Lockheed Martin Corp	Com	539830109	730	2,154	SH		OTR	0	2,154	0	0
Lowes Cos Inc	Com	548661107	4,282	49,758	SH		SOLE	0	49,358	25	375
Lowes Cos Inc	Com	548661107	2,298	26,707	SH		OTR	0	25,372	335	1,000
Mastercard Inc Cl A	Com	57636Q104	150	621	SH		SOLE	0	621	0	0
Mastercard Inc Cl A	Com	57636Q104	158	655	SH		OTR	0	655	0	0
McDonalds Corp	Com	580135101	5,544	33,531	SH		SOLE	0	33,426	75	30
McDonalds Corp	Com	580135101	3,223	19,491	SH		OTR	0	18,576	240	675
Merck & CO Inc	Com	58933Y105	3,231	41,988	SH		SOLE	0	40,513	675	800
Merck & CO Inc	Com	58933Y105	1,707	22,187	SH		OTR	0	21,197	165	825
Metlife Inc	Com	59156R108	277	9,062	SH		SOLE	0	9,062	0	0
Metlife Inc	Com	59156R108	77	2,525	SH		OTR	0	2,114	111	300
Microsoft Corp	Com	594918104	12,807	81,207	SH		SOLE	0	78,792	225	2,190
Microsoft Corp	Com	594918104	7,289	46,219	SH		OTR	0	43,163	695	2,361
Microchip Technology Inc	Com	595017104	1,261	18,592	SH		SOLE	0	18,592	0	0
Microchip Technology Inc	Com	595017104	375	5,533	SH		OTR	0	4,608	150	775
Mondelez International Inc	Com	609207105	472	9,426	SH		SOLE	0	9,012	0	414
Mondelez International Inc	Com	609207105	895	17,875	SH		OTR	0	17,737	138	0
NBT Bancorp Inc	Com	628778102	6,637	204,913	SH		SOLE	0	128,572	0	76,341
NBT Bancorp Inc	Com	628778102	757	23,356	SH		OTR	0	20,090	0	3,266
Netflix Inc	Com	64110L106	273	727	SH		SOLE	0	727	0	0
Nextera Energy Inc	Com	65339F101	2,027	8,426	SH		SOLE	0	7,976	0	450
Nextera Energy Inc	Com	65339F101	1,851	7,692	SH		OTR	0	4,787	30	2,875
Nike Inc-Class B	Com	654106103	1,900	22,965	SH		SOLE	0	22,965	0	0
Nike Inc-Class B	Com	654106103	687	8,304	SH		OTR	0	8,304	0	0
Norfolk Southern Corp	Com	655844108	766	5,247	SH		SOLE	0	5,247	0	0
Norfolk Southern Corp	Com	655844108	1,051	7,200	SH		OTR	0	4,705	70	2,425
Novartis Ag Spons ADR	Com	66987V109	1,411	17,115	SH		SOLE	0	17,115	0	0
Novartis Ag Spons ADR	Com	66987V109	821	9,952	SH		OTR	0	9,552	150	250
Nucor Corp	Com	670346105	306	8,485	SH		SOLE	0	8,485	0	0
Nucor Corp	Com	670346105	198	5,500	SH		OTR	0	4,050	0	1,450
Nvidia Corp	Com	67066G104	188	715	SH		SOLE	0	715	0	0
Nvidia Corp	Com	67066G104	108	410	SH		OTR	0	410	0	0
Oracle Corporation	Com	68389X105	1,881	38,911	SH		SOLE	0	37,411	0	1,500
Oracle Corporation	Com	68389X105	512	10,590	SH		OTR	0	8,090	0	2,500
Paypal Holdings Inc	Com	70450Y103	136	1,422	SH		SOLE	0	1,422	0	0
Paypal Holdings Inc	Com	70450Y103	352	3,680	SH		OTR	0	1,430	0	2,250
Pepsico Inc	Com	713448108	5,743	47,822	SH		SOLE	0	47,422	100	300
Pepsico Inc	Com	713448108	2,655	22,103	SH		OTR	0	20,948	345	810
Pfizer Inc	Com	717081103	3,513	107,636	SH		SOLE	0	104,536	0	3,100
Pfizer Inc	Com	717081103	2,385	73,056	SH		OTR	0	67,977	1,740	3,339
Philip Morris International	Com	718172109	657	9,002	SH		SOLE	0	8,327	0	675
Philip Morris International	Com	718172109	2,076	28,452	SH		OTR	0	28,302	150	0
T Rowe Price Group Inc	Com	74144T108	2,654	27,178	SH		SOLE	0	27,128	50	0
T Rowe Price Group Inc	Com	74144T108	1,516	15,528	SH		OTR	0	14,933	295	300
Procter & Gamble CO	Com	742718109	7,722	70,199	SH		SOLE	0	66,034	450	3,715
Procter & Gamble CO	Com	742718109	4,199	38,173	SH		OTR	0	33,183	380	4,610
Prudential Finl Inc	Com	744320102	808	15,500	SH		SOLE	0	15,450	50	0
Prudential Finl Inc	Com	744320102	650	12,457	SH		OTR	0	12,107	150	200
Public Service Enterprise Grou	Com	744573106	96	2,141	SH		SOLE	0	2,141	0	0
Public Service Enterprise Grou	Com	744573106	141	3,150	SH		OTR	0	3,150	0	0
Qualcomm Inc	Com	747525103	1,811	26,766	SH		SOLE	0	26,341	0	425
Qualcomm Inc	Com	747525103	1,009	14,919	SH		OTR	0	14,194	225	500
Quanta Services Incorporated	Com	74762E102	214	6,750	SH		OTR	0	2,100	0	4,650
S&P Global Inc	Com	78409V104	3	14	SH		SOLE	0	14	0	0
S&P Global Inc	Com	78409V104	490	2,000	SH		OTR	0	0	0	2,000
SPDR S&P 500 ETF Trust	Com	78462F103	3,150	12,222	SH		SOLE	0	11,853	0	369
SPDR S&P 500 ETF Trust	Com	78462F103	492	1,910	SH		OTR	0	1,550	160	200
SPDR Gold Trust	Com	78463V107	254	1,716	SH		SOLE	0	1,716	0	0
SPDR Gold Trust	Com	78463V107	7	50	SH		OTR	0	50	0	0
SPDR Portfolio Emerging Market	Com	78463X509	255	8,974	SH		SOLE	0	8,974	0	0
SPDR Portfolio Emerging Market	Com	78463X509	17	610	SH		OTR	0	610	0	0
SPDR Portfolio Developed Wld e	Com	78463X889	5,173	216,069	SH		SOLE	0	216,069	0	0
SPDR Portfolio Developed Wld e	Com	78463X889	945	39,490	SH		OTR	0	39,490	0	0
SPDR S&P Sm Cap Value ETF	Com	78464A300	299	7,315	SH		SOLE	0	7,315	0	0
SPDR Portfolio Intermediate Te	Com	78464A375	674	19,828	SH		SOLE	0	19,828	0	0
SPDR S&P Regional Banking ETF	Com	78464A698	1,212	37,184	SH		SOLE	0	37,184	0	0
SPDR S&P Regional Banking ETF	Com	78464A698	709	21,762	SH		OTR	0	21,562	100	100
SPDR S&P Dividend ETF	Com	78464A763	7,450	93,283	SH		SOLE	0	93,283	0	0
SPDR S&P Dividend ETF	Com	78464A763	627	7,850	SH		OTR	0	7,450	0	400
SPDR Dow Jones Industrial Aver	Com	78467X109	841	3,834	SH		SOLE	0	3,834	0	0
SPDR Dow Jones Industrial Aver	Com	78467X109	186	850	SH		OTR	0	750	0	100
Midcap SPDR Trust Series 1	Com	78467Y107	4,951	18,835	SH		SOLE	0	18,459	0	376
Midcap SPDR Trust Series 1	Com	78467Y107	634	2,411	SH		OTR	0	2,281	75	55
Salesforce.Com	Com	79466L302	1,032	7,167	SH		SOLE	0	7,147	20	0
Salesforce.Com	Com	79466L302	536	3,720	SH		OTR	0	3,720	0	0
Schlumberger Ltd	Com	806857108	425	31,516	SH		SOLE	0	30,826	0	690
Schlumberger Ltd	Com	806857108	248	18,385	SH		OTR	0	16,525	160	1,700
Charles Schwab Corp	Com	808513105	153	4,537	SH		SOLE	0	4,537	0	0
Charles Schwab Corp	Com	808513105	130	3,875	SH		OTR	0	3,875	0	0
Schwab US Small Cap ETF	Com	808524607	319	6,190	SH		SOLE	0	6,190	0	0
Schwab Fundamental Intl Lg Co	Com	808524755	265	12,599	SH		SOLE	0	12,599	0	0
Schwab US Dividend Equity ETF	Com	808524797	3,971	88,287	SH		SOLE	0	86,166	0	2,121
Schwab US Dividend Equity ETF	Com	808524797	584	12,980	SH		OTR	0	12,980	0	0
Schwab International Equity ET	Com	808524805	198	7,675	SH		SOLE	0	7,675	0	0
Schwab International Equity ET	Com	808524805	278	10,774	SH		OTR	0	10,774	0	0
Schwab US Aggregate Bd ETF	Com	808524839	207	3,815	SH		SOLE	0	3,815	0	0
Schwab US Aggregate Bd ETF	Com	808524839	894	16,470	SH		OTR	0	16,470	0	0
Materials Select SPDR Fund	Com	81369Y100	954	21,181	SH		SOLE	0	19,301	0	1,880
Materials Select SPDR Fund	Com	81369Y100	411	9,131	SH		OTR	0	8,301	375	455
Health Care Select Sector SPDR	Com	81369Y209	863	9,739	SH		SOLE	0	9,739	0	0
Health Care Select Sector SPDR	Com	81369Y209	43	491	SH		OTR	0	491	0	0
Consumer Staples Select Sector	Com	81369Y308	492	9,025	SH		SOLE	0	8,640	0	385
Consumer Staples Select Sector	Com	81369Y308	70	1,277	SH		OTR	0	987	100	190
Consumer Discretionary Selt	Com	81369Y407	1,104	11,254	SH		SOLE	0	10,054	0	1,200
Consumer Discretionary Selt	Com	81369Y407	127	1,295	SH		OTR	0	770	390	135
Energy Select Sector SPDR	Com	81369Y506	348	11,980	SH		SOLE	0	11,605	0	375
Energy Select Sector SPDR	Com	81369Y506	29	993	SH		OTR	0	760	80	153
Financial Select Sector SPDR	Com	81369Y605	664	31,909	SH		SOLE	0	30,409	0	1,500
Financial Select Sector SPDR	Com	81369Y605	18	860	SH		OTR	0	660	200	0
Industrial Select Sector SPDR	Com	81369Y704	770	13,041	SH		SOLE	0	13,041	0	0
Industrial Select Sector SPDR	Com	81369Y704	83	1,400	SH		OTR	0	1,300	0	100
Technology Select Sect SPDR	Com	81369Y803	1,888	23,489	SH		SOLE	0	23,252	162	75
Technology Select Sect SPDR	Com	81369Y803	216	2,687	SH		OTR	0	2,537	150	0
Real Estate Select Sect SPDR	Com	81369Y860	853	27,523	SH		SOLE	0	26,001	105	1,417
Real Estate Select Sect SPDR	Com	81369Y860	1,095	35,333	SH		OTR	0	35,162	46	125
Utilities Select Sector SPDR	Com	81369Y886	1,500	27,067	SH		SOLE	0	26,017	0	1,050
Utilities Select Sector SPDR	Com	81369Y886	808	14,588	SH		OTR	0	13,601	475	512
Southern Company	Com	842587107	1,022	18,880	SH		SOLE	0	18,880	0	0
Southern Company	Com	842587107	752	13,889	SH		OTR	0	13,764	0	125
Starbucks Corp	Com	855244109	96	1,461	SH		SOLE	0	1,461	0	0
Starbucks Corp	Com	855244109	326	4,960	SH		OTR	0	4,960	0	0
Stericycle Inc	Com	858912108	156	3,205	SH		SOLE	0	3,205	0	0
Stericycle Inc	Com	858912108	77	1,575	SH		OTR	0	725	0	850
Stryker Corporation	Com	863667101	302	1,814	SH		SOLE	0	1,814	0	0
Sysco Corp	Com	871829107	334	7,330	SH		SOLE	0	7,330	0	0
Sysco Corp	Com	871829107	311	6,824	SH		OTR	0	6,399	0	425
TJX Cos Inc	Com	872540109	1,679	35,117	SH		SOLE	0	33,817	300	1,000
TJX Cos Inc	Com	872540109	1,736	36,300	SH		OTR	0	31,756	340	4,204
Target Corp	Com	87612E106	2,120	22,807	SH		SOLE	0	22,532	0	275
Target Corp	Com	87612E106	1,354	14,562	SH		OTR	0	11,722	175	2,665
Thermo Fisher Scientific Inc	Com	883556102	5	18	SH		SOLE	0	18	0	0
Thermo Fisher Scientific Inc	Com	883556102	369	1,300	SH		OTR	0	0	0	1,300
3m CO	Com	88579Y101	1,398	10,241	SH		SOLE	0	9,281	340	620
3m CO	Com	88579Y101	189	1,385	SH		OTR	0	1,350	35	0
US Bancorp New	Com	902973304	685	19,887	SH		SOLE	0	19,887	0	0
US Bancorp New	Com	902973304	288	8,365	SH		OTR	0	5,179	470	2,716
Union Pac Corp	Com	907818108	2,984	21,160	SH		SOLE	0	20,510	0	650
Union Pac Corp	Com	907818108	2,505	17,760	SH		OTR	0	15,878	0	1,882
United Parcel Service Cl B	Com	911312106	402	4,302	SH		SOLE	0	4,302	0	0
United Parcel Service Cl B	Com	911312106	183	1,964	SH		OTR	0	1,964	0	0
United Technologies Corp	Com	913017109	3,585	38,009	SH		SOLE	0	37,329	100	580
United Technologies Corp	Com	913017109	2,669	28,298	SH		OTR	0	24,457	1,186	2,655
Unitedhealth Group Inc	Com	91324P102	2,360	9,465	SH		SOLE	0	9,265	0	200
Unitedhealth Group Inc	Com	91324P102	1,277	5,122	SH		OTR	0	4,167	130	825
Univest Corp of Pennsylvania	Com	915271100	193	11,812	SH		OTR	0	11,812	0	0
Vaneck Vectors Agribusiness ET	Com	92189F700	685	13,342	SH		SOLE	0	12,692	50	600
Vaneck Vectors Agribusiness ET	Com	92189F700	589	11,468	SH		OTR	0	11,243	125	100
Vanguard Intermediate-Term Bon	Com	921937819	357	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	455	5,326	SH		SOLE	0	5,326	0	0
Vanguard FTSE Developed Market	Com	921943858	172	5,158	SH		SOLE	0	5,158	0	0
Vanguard FTSE Developed Market	Com	921943858	123	3,680	SH		OTR	0	3,680	0	0
Vanguard Ftse Emerging Markets	Com	922042858	1,040	31,008	SH		SOLE	0	31,008	0	0
Vanguard Ftse Emerging Markets	Com	922042858	344	10,243	SH		OTR	0	9,743	0	500
Vanguard Inter Term Corp Bond	Com	92206C870	1,233	14,156	SH		SOLE	0	14,156	0	0
Vanguard Inter Term Corp Bond	Com	92206C870	1,252	14,375	SH		OTR	0	14,375	0	0
Vanguard S&P 500 ETF	Com	922908363	8,954	37,810	SH		SOLE	0	37,623	0	187
Vanguard Real Estate ETF	Com	922908553	1,236	17,689	SH		SOLE	0	17,689	0	0
Vanguard Real Estate ETF	Com	922908553	437	6,254	SH		OTR	0	5,840	239	175
Veoneer Incorporated Com	Com	92336X109	78	10,712	SH		SOLE	0	9,962	0	750
Veoneer Incorporated Com	Com	92336X109	91	12,394	SH		OTR	0	12,394	0	0
Verizon Communications	Com	92343V104	3,296	61,336	SH		SOLE	0	59,549	860	927
Verizon Communications	Com	92343V104	2,262	42,094	SH		OTR	0	36,708	460	4,926
Visa Inc Cl A	Com	92826C839	1,255	7,790	SH		SOLE	0	7,790	0	0
Visa Inc Cl A	Com	92826C839	1,038	6,440	SH		OTR	0	5,240	100	1,100
Wal Mart Inc	Com	931142103	1,641	14,447	SH		SOLE	0	14,047	0	400
Wal Mart Inc	Com	931142103	1,294	11,389	SH		OTR	0	9,973	350	1,066
Walgreens Boots Alliance Inc	Com	931427108	221	4,839	SH		SOLE	0	4,839	0	0
Walgreens Boots Alliance Inc	Com	931427108	62	1,345	SH		OTR	0	745	0	600
Wells Fargo & CO	Com	949746101	1,265	44,071	SH		SOLE	0	43,671	0	400
Wells Fargo & CO	Com	949746101	555	19,338	SH		OTR	0	16,108	930	2,300
WisdomTree MidCap Dividend ETF	Com	97717W505	1,881	77,866	SH		SOLE	0	76,948	0	918
WisdomTree MidCap Dividend ETF	Com	97717W505	512	21,203	SH		OTR	0	16,303	0	4,900
WisdomTree SmallCap Dividend E	Com	97717W604	860	47,742	SH		SOLE	0	47,555	0	187
WisdomTree SmallCap Dividend E	Com	97717W604	231	12,822	SH		OTR	0	11,987	0	835
Xcel Energy Inc	Com	98389B100	186	3,086	SH		SOLE	0	3,086	0	0
Xcel Energy Inc	Com	98389B100	197	3,275	SH		OTR	0	775	0	2,500
Xylem Inc	Com	98419M100	289	4,435	SH		SOLE	0	4,435	0	0
Xylem Inc	Com	98419M100	140	2,150	SH		OTR	0	2,150	0	0
Yum! Brands Inc	Com	988498101	308	4,488	SH		SOLE	0	4,488	0	0
Yum! Brands Inc	Com	988498101	56	814	SH		OTR	0	814	0	0
Zimmer Biomet Holdings Inc	Com	98956P102	317	3,139	SH		SOLE	0	2,809	60	270
Zimmer Biomet Holdings Inc	Com	98956P102	158	1,565	SH		OTR	0	1,462	23	80
Deutsche Bank Ag	Com	D18190898	64	10,000	SH		SOLE	0	10,000	0	0
Accenture PLC Cl A	Com	G1151C101	47	290	SH		SOLE	0	290	0	0
Accenture PLC Cl A	Com	G1151C101	212	1,300	SH		OTR	0	0	0	1,300
Eaton Corp PLC	Com	G29183103	345	4,440	SH		SOLE	0	4,440	0	0
Eaton Corp PLC	Com	G29183103	463	5,959	SH		OTR	0	4,884	0	1,075
Linde PLC	Com	G5494J103	1,240	7,165	SH		SOLE	0	7,165	0	0
Linde PLC	Com	G5494J103	679	3,924	SH		OTR	0	2,799	0	1,125
Medtronic PLC	Com	G5960L103	899	9,967	SH		SOLE	0	9,967	0	0
Medtronic PLC	Com	G5960L103	764	8,475	SH		OTR	0	8,404	71	0