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	1,869	65,572	SH		SOLE	0	62,661	0	2,911
AT&T Inc	Com	00206R102	1,219	42,762	SH		OTR	0	37,099	400	5,263
Abbott Labs	Com	002824100	6,732	61,859	SH		SOLE	0	61,259	0	600
Abbott Labs	Com	002824100	2,328	21,392	SH		OTR	0	19,551	621	1,220
Abbvie Inc	Com	00287Y109	2,424	27,671	SH		SOLE	0	27,371	0	300
Abbvie Inc	Com	00287Y109	1,581	18,047	SH		OTR	0	14,552	295	3,200
Aberdeen Asia-Pac Income Fd	Com	003009107	100	25,000	SH		SOLE	0	25,000	0	0
Activision Blizzard, Inc	Com	00507V109	767	9,473	SH		SOLE	0	9,473	0	0
Activision Blizzard, Inc	Com	00507V109	514	6,350	SH		OTR	0	6,350	0	0
Air Products & Chemicals Inc	Com	009158106	1,815	6,092	SH		SOLE	0	6,092	0	0
Air Products & Chemicals Inc	Com	009158106	573	1,925	SH		OTR	0	1,925	0	0
Alphabet Inc Cl C	Com	02079K107	3,449	2,347	SH		SOLE	0	2,257	0	90
Alphabet Inc Cl C	Com	02079K107	3,202	2,179	SH		OTR	0	2,049	0	130
Alphabet Inc Cl A	Com	02079K305	2,757	1,881	SH		SOLE	0	1,861	0	20
Alphabet Inc Cl A	Com	02079K305	717	489	SH		OTR	0	374	0	115
Altria Group Inc	Com	02209S103	505	13,063	SH		SOLE	0	12,288	0	775
Altria Group Inc	Com	02209S103	1,327	34,342	SH		OTR	0	33,642	0	700
Amazon.Com Inc	Com	023135106	2,003	636	SH		SOLE	0	636	0	0
Amazon.Com Inc	Com	023135106	967	307	SH		OTR	0	247	0	60
American Express CO	Com	025816109	514	5,127	SH		SOLE	0	5,127	0	0
American Express CO	Com	025816109	295	2,946	SH		OTR	0	1,260	0	1,686
American Tower Corp REIT	Com	03027X100	133	550	SH		SOLE	0	550	0	0
American Tower Corp REIT	Com	03027X100	173	715	SH		OTR	0	715	0	0
American Water Works CO Inc	Com	030420103	1,536	10,605	SH		SOLE	0	10,605	0	0
American Water Works CO Inc	Com	030420103	1,109	7,655	SH		OTR	0	6,125	100	1,430
Amgen Inc	Com	031162100	669	2,631	SH		SOLE	0	2,631	0	0
Amgen Inc	Com	031162100	422	1,660	SH		OTR	0	1,660	0	0
Apache Corp	Com	037411105	94	9,942	SH		SOLE	0	9,942	0	0
Apache Corp	Com	037411105	25	2,685	SH		OTR	0	2,585	100	0
Apple Inc	Com	037833100	19,941	172,186	SH		SOLE	0	157,983	360	13,843
Apple Inc	Com	037833100	10,379	89,617	SH		OTR	0	76,617	2,900	10,100
Arrow Finl Corp	Com	042744102	233	9,276	SH		SOLE	0	1,563	0	7,713
Arrow Finl Corp	Com	042744102	93	3,688	SH		OTR	0	3,688	0	0
Autoliv Inc	Com	052800109	713	9,780	SH		SOLE	0	8,736	0	1,044
Autoliv Inc	Com	052800109	898	12,321	SH		OTR	0	12,321	0	0
Automatic Data Processing Inc	Com	053015103	3,255	23,334	SH		SOLE	0	23,054	0	280
Automatic Data Processing Inc	Com	053015103	922	6,608	SH		OTR	0	5,988	140	480
Bank of America Corp	Com	060505104	580	24,063	SH		SOLE	0	23,415	0	648
Bank of America Corp	Com	060505104	242	10,025	SH		OTR	0	10,025	0	0
Bank of New York Mellon Corp	Com	064058100	371	10,813	SH		SOLE	0	10,813	0	0
Bank of New York Mellon Corp	Com	064058100	29	838	SH		OTR	0	338	0	500
Baxter Intl Inc	Com	071813109	627	7,797	SH		SOLE	0	7,797	0	0
Baxter Intl Inc	Com	071813109	286	3,555	SH		OTR	0	1,995	100	1,460
Becton Dickinson	Com	075887109	315	1,353	SH		SOLE	0	1,353	0	0
Becton Dickinson	Com	075887109	246	1,057	SH		OTR	0	1,057	0	0
Berkshire Hathaway Inc-Cl B	Com	084670702	2,269	10,654	SH		SOLE	0	10,424	30	200
Berkshire Hathaway Inc-Cl B	Com	084670702	1,903	8,938	SH		OTR	0	8,918	20	0
Best Buy Company Inc	Com	086516101	498	4,473	SH		SOLE	0	4,473	0	0
Best Buy Company Inc	Com	086516101	44	395	SH		OTR	0	395	0	0
BHP Group Ltd Spons ADR	Com	088606108	159	3,074	SH		SOLE	0	2,874	0	200
BHP Group Ltd Spons ADR	Com	088606108	81	1,575	SH		OTR	0	1,525	0	50
Blackrock Inc Cl A	Com	09247X101	33	59	SH		SOLE	0	59	0	0
Blackrock Inc Cl A	Com	09247X101	271	480	SH		OTR	0	80	0	400
Boeing CO	Com	097023105	943	5,707	SH		SOLE	0	5,472	0	235
Boeing CO	Com	097023105	1,346	8,143	SH		OTR	0	7,993	150	0
Bristol Myers Squibb CO	Com	110122108	4,555	75,552	SH		SOLE	0	72,707	725	2,120
Bristol Myers Squibb CO	Com	110122108	2,330	38,654	SH		OTR	0	32,565	250	5,839
Csx Corp	Com	126408103	235	3,031	SH		SOLE	0	3,031	0	0
Csx Corp	Com	126408103	168	2,160	SH		OTR	0	2,160	0	0
CVS Health Corp	Com	126650100	2,079	35,601	SH		SOLE	0	34,781	0	820
CVS Health Corp	Com	126650100	1,112	19,041	SH		OTR	0	15,526	340	3,175
Carrier Global Corporation	Com	14448C104	923	30,238	SH		SOLE	0	29,268	100	870
Carrier Global Corporation	Com	14448C104	773	25,299	SH		OTR	0	21,458	1,186	2,655
Caterpillar Inc	Com	149123101	1,979	13,267	SH		SOLE	0	12,379	0	888
Caterpillar Inc	Com	149123101	1,531	10,265	SH		OTR	0	9,920	45	300
Chevron Corporation	Com	166764100	3,263	45,317	SH		SOLE	0	43,177	375	1,765
Chevron Corporation	Com	166764100	2,348	32,607	SH		OTR	0	30,879	385	1,343
Cisco Systems Inc	Com	17275R102	2,688	68,251	SH		SOLE	0	64,358	0	3,893
Cisco Systems Inc	Com	17275R102	1,970	50,006	SH		OTR	0	48,806	595	605
Citigroup Inc	Com	172967424	527	12,214	SH		SOLE	0	12,214	0	0
Citigroup Inc	Com	172967424	299	6,945	SH		OTR	0	6,045	150	750
Clorox Company	Com	189054109	1,161	5,526	SH		SOLE	0	5,526	0	0
Clorox Company	Com	189054109	633	3,010	SH		OTR	0	2,525	0	485
Coca Cola CO	Com	191216100	2,961	59,968	SH		SOLE	0	53,734	960	5,274
Coca Cola CO	Com	191216100	1,119	22,665	SH		OTR	0	17,400	150	5,115
Colgate Palmolive CO	Com	194162103	1,191	15,434	SH		SOLE	0	13,304	430	1,700
Colgate Palmolive CO	Com	194162103	633	8,210	SH		OTR	0	4,510	0	3,700
ComCast Corp-Cl A	Com	20030N101	1,061	22,927	SH		SOLE	0	20,653	0	2,274
ComCast Corp-Cl A	Com	20030N101	484	10,469	SH		OTR	0	8,246	650	1,573
Community Bank System Inc	Com	203607106	269	4,935	SH		SOLE	0	4,733	0	202
Community Bank System Inc	Com	203607106	71	1,300	SH		OTR	0	300	1,000	0
Conocophillips	Com	20825C104	293	8,925	SH		SOLE	0	8,825	100	0
Conocophillips	Com	20825C104	71	2,177	SH		OTR	0	1,927	100	150
Corning Inc	Com	219350105	554	17,101	SH		SOLE	0	17,101	0	0
Corning Inc	Com	219350105	387	11,950	SH		OTR	0	9,200	900	1,850
Corteva Inc Com	Com	22052L104	97	3,351	SH		SOLE	0	3,260	0	91
Corteva Inc Com	Com	22052L104	243	8,447	SH		OTR	0	7,937	0	510
Costco Wholesale Corp	Com	22160K105	611	1,722	SH		SOLE	0	1,722	0	0
Costco Wholesale Corp	Com	22160K105	415	1,169	SH		OTR	0	529	0	640
DTE Energy Co	Com	233331107	409	3,554	SH		SOLE	0	3,554	0	0
Danaher Corp	Com	235851102	4,643	21,564	SH		SOLE	0	19,334	0	2,230
Danaher Corp	Com	235851102	2,617	12,153	SH		OTR	0	10,503	140	1,510
Deere & CO	Com	244199105	1,898	8,563	SH		SOLE	0	8,373	25	165
Deere & CO	Com	244199105	2,577	11,627	SH		OTR	0	11,557	70	0
Digital Realty Trust Inc REIT	Com	253868103	140	951	SH		SOLE	0	951	0	0
Digital Realty Trust Inc REIT	Com	253868103	176	1,196	SH		OTR	0	1,196	0	0
Disney Walt CO New	Com	254687106	4,434	35,731	SH		SOLE	0	34,548	0	1,183
Disney Walt CO New	Com	254687106	2,769	22,315	SH		OTR	0	20,850	570	895
Dominion Resources Inc	Com	25746U109	1,337	16,943	SH		SOLE	0	16,633	0	310
Dominion Resources Inc	Com	25746U109	783	9,915	SH		OTR	0	7,395	80	2,440
Dow Inc Com	Com	260557103	621	13,190	SH		SOLE	0	13,099	0	91
Dow Inc Com	Com	260557103	651	13,843	SH		OTR	0	12,587	16	1,240
Duke Energy Corp	Com	26441C204	427	4,821	SH		SOLE	0	4,521	300	0
Duke Energy Corp	Com	26441C204	165	1,862	SH		OTR	0	1,762	100	0
Dupont De Nemours Inc	Com	26614N102	795	14,326	SH		SOLE	0	14,235	0	91
Dupont De Nemours Inc	Com	26614N102	823	14,830	SH		OTR	0	13,687	16	1,127
Ecolab Inc	Com	278865100	1,480	7,407	SH		SOLE	0	7,407	0	0
Ecolab Inc	Com	278865100	578	2,890	SH		OTR	0	2,250	40	600
Emerson Elec CO	Com	291011104	781	11,915	SH		SOLE	0	11,915	0	0
Emerson Elec CO	Com	291011104	377	5,756	SH		OTR	0	5,656	100	0
Enterprise Prods Partners LP	Com	293792107	59	3,750	SH		SOLE	0	3,750	0	0
Enterprise Prods Partners LP	Com	293792107	101	6,400	SH		OTR	0	3,400	0	3,000
Exelon Corp	Com	30161N101	177	4,943	SH		SOLE	0	4,943	0	0
Exelon Corp	Com	30161N101	174	4,865	SH		OTR	0	4,515	0	350
Exxonmobil Corp	Com	30231G102	3,354	97,687	SH		SOLE	0	93,631	820	3,236
Exxonmobil Corp	Com	30231G102	2,563	74,655	SH		OTR	0	70,855	635	3,165
Facebook Inc-A	Com	30303M102	1,316	5,024	SH		SOLE	0	5,024	0	0
Facebook Inc-A	Com	30303M102	1,170	4,469	SH		OTR	0	4,469	0	0
Fedex Corporation	Com	31428X106	208	826	SH		SOLE	0	826	0	0
Fedex Corporation	Com	31428X106	25	100	SH		OTR	0	100	0	0
Fiserv Inc	Com	337738108	489	4,747	SH		SOLE	0	4,747	0	0
Fiserv Inc	Com	337738108	90	874	SH		OTR	0	874	0	0
FlexShares Mstar Glbl Upstrm N	Com	33939L407	28,007	1,008,915	SH		SOLE	0	1,003,179	0	5,736
FlexShares Mstar Glbl Upstrm N	Com	33939L407	2,554	91,999	SH		OTR	0	85,272	340	6,387
FlexShares Global Quality Real	Com	33939L787	472	8,990	SH		SOLE	0	8,990	0	0
FlexShares Global Quality Real	Com	33939L787	1	20	SH		OTR	0	20	0	0
FlexShares STOXX Glbl Brd Infr	Com	33939L795	3,876	77,747	SH		SOLE	0	77,747	0	0
FlexShares STOXX Glbl Brd Infr	Com	33939L795	256	5,130	SH		OTR	0	4,600	0	530
FlexShares International Quali	Com	33939L837	537	25,975	SH		SOLE	0	25,975	0	0
FlexShares International Quali	Com	33939L837	67	3,240	SH		OTR	0	3,240	0	0
Ford Motor CO Del	Com	345370860	84	12,629	SH		SOLE	0	11,629	0	1,000
Ford Motor CO Del	Com	345370860	3	400	SH		OTR	0	400	0	0
Fortive Corp	Com	34959J108	414	5,428	SH		SOLE	0	4,618	0	810
Fortive Corp	Com	34959J108	170	2,229	SH		OTR	0	1,385	50	794
General Dynamics Corp	Com	369550108	753	5,443	SH		SOLE	0	5,293	0	150
General Dynamics Corp	Com	369550108	129	935	SH		OTR	0	835	0	100
General Electric Corp	Com	369604103	236	37,804	SH		SOLE	0	34,971	0	2,833
General Electric Corp	Com	369604103	155	24,895	SH		OTR	0	23,870	0	1,025
General Mls Inc	Com	370334104	735	11,913	SH		SOLE	0	11,415	0	498
General Mls Inc	Com	370334104	509	8,255	SH		OTR	0	6,460	100	1,695
Gilead Sciences Inc	Com	375558103	295	4,661	SH		SOLE	0	4,661	0	0
Gilead Sciences Inc	Com	375558103	258	4,080	SH		OTR	0	1,580	0	2,500
Glaxo Smithkline Spons ADR	Com	37733W105	280	7,426	SH		SOLE	0	7,201	0	225
Glaxo Smithkline Spons ADR	Com	37733W105	190	5,037	SH		OTR	0	4,032	255	750
Goldman Sachs Group Inc	Com	38141G104	812	4,038	SH		SOLE	0	4,018	20	0
Goldman Sachs Group Inc	Com	38141G104	763	3,795	SH		OTR	0	3,795	0	0
Grainger W W Inc	Com	384802104	1,213	3,400	SH		SOLE	0	3,400	0	0
Grainger W W Inc	Com	384802104	799	2,240	SH		OTR	0	1,270	100	870
Home Depot Inc	Com	437076102	934	3,364	SH		SOLE	0	3,364	0	0
Home Depot Inc	Com	437076102	1,797	6,470	SH		OTR	0	5,070	150	1,250
Honeywell International Inc	Com	438516106	2,994	18,187	SH		SOLE	0	17,272	0	915
Honeywell International Inc	Com	438516106	1,317	8,001	SH		OTR	0	5,210	300	2,491
Illinois Tool Wks Inc	Com	452308109	346	1,790	SH		SOLE	0	1,790	0	0
Illinois Tool Wks Inc	Com	452308109	87	450	SH		OTR	0	450	0	0
Intel Corp	Com	458140100	5,810	112,215	SH		SOLE	0	109,515	1,200	1,500
Intel Corp	Com	458140100	2,245	43,354	SH		OTR	0	40,254	1,250	1,850
Intercontinental Exchange Inc	Com	45866F104	691	6,905	SH		SOLE	0	6,905	0	0
Intercontinental Exchange Inc	Com	45866F104	122	1,215	SH		OTR	0	1,015	0	200
Intl. Business Machines Corp	Com	459200101	2,370	19,482	SH		SOLE	0	17,594	435	1,453
Intl. Business Machines Corp	Com	459200101	1,490	12,246	SH		OTR	0	10,663	0	1,583
Invesco Tr II Senior Loan ETF	Com	46138G508	95	4,350	SH		SOLE	0	4,350	0	0
Invesco Tr II Senior Loan ETF	Com	46138G508	171	7,875	SH		OTR	0	7,875	0	0
Ishares Barclays TIPS Bond ETF	Com	464287176	354	2,801	SH		SOLE	0	2,801	0	0
Ishares Core Total U.S. Aggreg	Com	464287226	229	1,941	SH		SOLE	0	1,941	0	0
Ishares Msci Emerging Mkt ETF	Com	464287234	3,589	81,405	SH		SOLE	0	80,579	525	301
Ishares Msci Emerging Mkt ETF	Com	464287234	832	18,879	SH		OTR	0	17,899	255	725
Ishares Msci Eafe ETF	Com	464287465	3,139	49,319	SH		SOLE	0	49,319	0	0
Ishares Msci Eafe ETF	Com	464287465	867	13,629	SH		OTR	0	13,069	235	325
Ishares Russell Mid Cap ETF	Com	464287499	239	4,165	SH		SOLE	0	4,165	0	0
Ishares Core S&P Mid-Cap ETF	Com	464287507	1,427	7,700	SH		SOLE	0	7,700	0	0
Ishares Core S&P Mid-Cap ETF	Com	464287507	364	1,966	SH		OTR	0	1,766	0	200
Ishares Nasdaq Biotech ETF	Com	464287556	3,067	22,653	SH		SOLE	0	22,065	96	492
Ishares Nasdaq Biotech ETF	Com	464287556	2,012	14,862	SH		OTR	0	12,632	615	1,615
Ishares S&P Midcap 400/Grwth E	Com	464287606	213	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	246	1,132	SH		SOLE	0	1,132	0	0
Ishares Russell 2000 ETF	Com	464287655	4,434	29,603	SH		SOLE	0	28,351	0	1,252
Ishares Russell 2000 ETF	Com	464287655	481	3,208	SH		OTR	0	3,043	130	35
Ishares DJ US Telcom Sector ET	Com	464287713	640	23,522	SH		SOLE	0	23,522	0	0
Ishares DJ US Telcom Sector ET	Com	464287713	534	19,640	SH		OTR	0	19,440	200	0
Ishares Core S&P Small-Cap ETF	Com	464287804	304	4,329	SH		SOLE	0	4,329	0	0
Ishares Core S&P Small-Cap ETF	Com	464287804	9	135	SH		OTR	0	135	0	0
Ishares Msci Eafe Small Cap ET	Com	464288273	3,344	56,695	SH		SOLE	0	56,685	0	10
Ishares Msci Eafe Small Cap ET	Com	464288273	404	6,845	SH		OTR	0	6,845	0	0
Ishares New York Muni Bond ETF	Com	464288323	899	15,642	SH		SOLE	0	15,642	0	0
Ishares IBoxx High Yield Corpo	Com	464288513	1,253	14,940	SH		SOLE	0	14,940	0	0
Ishares IBoxx High Yield Corpo	Com	464288513	4	50	SH		OTR	0	50	0	0
ISHARES TR SHORT-TERM CORP BD	Com	464288646	246	4,478	SH		SOLE	0	4,478	0	0
Ishares S&P Pref Stk ETF	Com	464288687	2,046	56,139	SH		SOLE	0	56,139	0	0
Ishares S&P Pref Stk ETF	Com	464288687	515	14,128	SH		OTR	0	10,148	0	3,980
Ishares MSCI EAFE Growth ETF	Com	464288885	17,703	196,964	SH		SOLE	0	194,871	0	2,093
Ishares MSCI EAFE Growth ETF	Com	464288885	1,156	12,857	SH		OTR	0	12,857	0	0
IShares Russell Top 200 Growth	Com	464289438	254	2,090	SH		SOLE	0	2,090	0	0
Ishares Aaa-A Rated Corp Bond	Com	46429B291	251	4,332	SH		SOLE	0	4,332	0	0
iShares Core High Dividend ETF	Com	46429B663	262	3,261	SH		SOLE	0	3,261	0	0
Ishares Core Msci Eafe ETF	Com	46432F842	7,346	121,858	SH		SOLE	0	121,803	0	55
Ishares Core Msci Eafe ETF	Com	46432F842	596	9,895	SH		OTR	0	9,895	0	0
Ishares Core Emerging Markets	Com	46434G103	3,279	62,093	SH		SOLE	0	62,093	0	0
Ishares Core Emerging Markets	Com	46434G103	733	13,885	SH		OTR	0	11,860	0	2,025
JP Morgan Chase & CO	Com	46625H100	7,302	75,846	SH		SOLE	0	74,294	112	1,440
JP Morgan Chase & CO	Com	46625H100	4,731	49,140	SH		OTR	0	41,940	640	6,560
JPMorgan Ultra-Short Income ET	Com	46641Q837	127	2,500	SH		SOLE	0	2,500	0	0
JPMorgan Ultra-Short Income ET	Com	46641Q837	254	5,000	SH		OTR	0	0	0	5,000
Jacobs Engineering Group Inc	Com	469814107	83	898	SH		SOLE	0	898	0	0
Jacobs Engineering Group Inc	Com	469814107	276	2,975	SH		OTR	0	1,075	0	1,900
Johnson & Johnson	Com	478160104	9,596	64,455	SH		SOLE	0	58,655	150	5,650
Johnson & Johnson	Com	478160104	4,493	30,176	SH		OTR	0	26,201	310	3,665
Keycorp	Com	493267108	136	11,388	SH		SOLE	0	11,388	0	0
Keycorp	Com	493267108	99	8,300	SH		OTR	0	8,300	0	0
Kimberly Clark Corp	Com	494368103	580	3,928	SH		SOLE	0	3,928	0	0
Kimberly Clark Corp	Com	494368103	137	925	SH		OTR	0	925	0	0
Kraft Heinz CO	Com	500754106	68	2,269	SH		SOLE	0	2,269	0	0
Kraft Heinz CO	Com	500754106	212	7,081	SH		OTR	0	7,081	0	0
Lilly Eli & CO	Com	532457108	669	4,517	SH		SOLE	0	3,989	0	528
Lilly Eli & CO	Com	532457108	927	6,260	SH		OTR	0	5,235	0	1,025
Lockheed Martin Corp	Com	539830109	2,864	7,472	SH		SOLE	0	6,957	0	515
Lockheed Martin Corp	Com	539830109	802	2,093	SH		OTR	0	2,093	0	0
Lowes Cos Inc	Com	548661107	8,083	48,733	SH		SOLE	0	48,203	25	505
Lowes Cos Inc	Com	548661107	4,311	25,992	SH		OTR	0	24,662	330	1,000
MFS Inter Income Tr Sh Ben Int	Com	55273C107	63	17,000	SH		SOLE	0	17,000	0	0
Mastercard Inc Cl A	Com	57636Q104	222	655	SH		SOLE	0	655	0	0
Mastercard Inc Cl A	Com	57636Q104	188	555	SH		OTR	0	555	0	0
McDonalds Corp	Com	580135101	7,085	32,281	SH		SOLE	0	32,051	75	155
McDonalds Corp	Com	580135101	4,099	18,676	SH		OTR	0	17,761	240	675
Merck & CO Inc	Com	58933Y105	3,464	41,758	SH		SOLE	0	40,283	675	800
Merck & CO Inc	Com	58933Y105	1,813	21,862	SH		OTR	0	20,897	140	825
Metlife Inc	Com	59156R108	286	7,686	SH		SOLE	0	7,686	0	0
Metlife Inc	Com	59156R108	61	1,637	SH		OTR	0	1,226	111	300
Microsoft Corp	Com	594918104	16,327	77,628	SH		SOLE	0	74,325	215	3,088
Microsoft Corp	Com	594918104	8,434	40,098	SH		OTR	0	37,142	690	2,266
Microchip Technology Inc	Com	595017104	1,856	18,060	SH		SOLE	0	18,060	0	0
Microchip Technology Inc	Com	595017104	569	5,533	SH		OTR	0	4,608	150	775
Mondelez International Inc	Com	609207105	513	8,927	SH		SOLE	0	8,513	0	414
Mondelez International Inc	Com	609207105	1,024	17,817	SH		OTR	0	17,817	0	0
NBT Bancorp Inc	Com	628778102	9,624	358,837	SH		SOLE	0	259,550	0	99,287
NBT Bancorp Inc	Com	628778102	566	21,114	SH		OTR	0	17,848	0	3,266
Netflix Inc	Com	64110L106	376	752	SH		SOLE	0	752	0	0
Nextera Energy Inc	Com	65339F101	2,210	7,963	SH		SOLE	0	7,513	0	450
Nextera Energy Inc	Com	65339F101	1,993	7,182	SH		OTR	0	4,352	30	2,800
Nike Inc-Class B	Com	654106103	2,688	21,410	SH		SOLE	0	21,410	0	0
Nike Inc-Class B	Com	654106103	885	7,050	SH		OTR	0	7,050	0	0
Norfolk Southern Corp	Com	655844108	1,024	4,784	SH		SOLE	0	4,784	0	0
Norfolk Southern Corp	Com	655844108	1,557	7,275	SH		OTR	0	4,780	70	2,425
Novartis Ag Spons ADR	Com	66987V109	1,266	14,556	SH		SOLE	0	14,406	0	150
Novartis Ag Spons ADR	Com	66987V109	844	9,702	SH		OTR	0	9,552	150	0
Nucor Corp	Com	670346105	441	9,827	SH		SOLE	0	9,827	0	0
Nucor Corp	Com	670346105	273	6,075	SH		OTR	0	4,625	0	1,450
Nvidia Corp	Com	67066G104	387	715	SH		SOLE	0	715	0	0
Nvidia Corp	Com	67066G104	222	410	SH		OTR	0	410	0	0
O'Reilly Automotive Inc	Com	67103H107	277	600	SH		SOLE	0	600	0	0
Oracle Corporation	Com	68389X105	2,471	41,384	SH		SOLE	0	39,884	0	1,500
Oracle Corporation	Com	68389X105	657	11,010	SH		OTR	0	8,510	0	2,500
Otis Worldwide Corp	Com	68902V107	941	15,075	SH		SOLE	0	14,590	50	435
Otis Worldwide Corp	Com	68902V107	731	11,719	SH		OTR	0	10,599	593	527
Paypal Holdings Inc	Com	70450Y103	277	1,407	SH		SOLE	0	1,407	0	0
Paypal Holdings Inc	Com	70450Y103	638	3,240	SH		OTR	0	990	0	2,250
Pepsico Inc	Com	713448108	6,563	47,353	SH		SOLE	0	46,680	100	573
Pepsico Inc	Com	713448108	2,898	20,908	SH		OTR	0	19,753	345	810
Pfizer Inc	Com	717081103	4,002	109,049	SH		SOLE	0	104,528	0	4,521
Pfizer Inc	Com	717081103	2,341	63,796	SH		OTR	0	58,922	1,410	3,464
Philip Morris International	Com	718172109	725	9,673	SH		SOLE	0	8,998	0	675
Philip Morris International	Com	718172109	2,070	27,602	SH		OTR	0	27,602	0	0
T Rowe Price Group Inc	Com	74144T108	3,366	26,254	SH		SOLE	0	26,204	50	0
T Rowe Price Group Inc	Com	74144T108	1,953	15,228	SH		OTR	0	14,633	295	300
Procter & Gamble CO	Com	742718109	10,953	78,802	SH		SOLE	0	73,829	450	4,523
Procter & Gamble CO	Com	742718109	5,171	37,203	SH		OTR	0	32,413	380	4,410
Prudential Finl Inc	Com	744320102	837	13,175	SH		SOLE	0	13,125	50	0
Prudential Finl Inc	Com	744320102	756	11,902	SH		OTR	0	11,552	150	200
Public Service Enterprise Grou	Com	744573106	141	2,572	SH		SOLE	0	2,572	0	0
Public Service Enterprise Grou	Com	744573106	140	2,550	SH		OTR	0	2,550	0	0
Qualcomm Inc	Com	747525103	3,063	26,024	SH		SOLE	0	25,599	0	425
Qualcomm Inc	Com	747525103	1,672	14,204	SH		OTR	0	13,479	225	500
Quanta Services Incorporated	Com	74762E102	357	6,750	SH		OTR	0	2,100	0	4,650
Raytheon Technologies Corp	Com	75513E101	2,234	38,830	SH		SOLE	0	37,860	100	870
Raytheon Technologies Corp	Com	75513E101	1,657	28,796	SH		OTR	0	24,555	1,186	3,055
Rockwell Automation Inc	Com	773903109	669	3,030	SH		SOLE	0	3,030	0	0
Rockwell Automation Inc	Com	773903109	55	250	SH		OTR	0	250	0	0
S&P Global Inc	Com	78409V104	613	1,700	SH		OTR	0	0	0	1,700
SPDR S&P 500 ETF Trust	Com	78462F103	4,067	12,143	SH		SOLE	0	11,774	0	369
SPDR S&P 500 ETF Trust	Com	78462F103	615	1,835	SH		OTR	0	1,475	160	200
SPDR Gold Trust	Com	78463V107	295	1,663	SH		SOLE	0	1,663	0	0
SPDR Gold Trust	Com	78463V107	9	50	SH		OTR	0	50	0	0
SPDR Portfolio Emerging Market	Com	78463X509	234	6,394	SH		SOLE	0	6,394	0	0
SPDR Portfolio Developed Wld e	Com	78463X889	3,819	130,514	SH		SOLE	0	130,514	0	0
SPDR Portfolio Developed Wld e	Com	78463X889	885	30,255	SH		OTR	0	30,255	0	0
SPDR Preferred Stock ETF	Com	78464A292	274	6,310	SH		SOLE	0	6,310	0	0
SPDR Portfolio Intermediate Te	Com	78464A375	729	19,828	SH		SOLE	0	19,828	0	0
SPDR S&P Regional Banking ETF	Com	78464A698	1,237	34,668	SH		SOLE	0	34,168	0	500
SPDR S&P Regional Banking ETF	Com	78464A698	740	20,750	SH		OTR	0	20,550	100	100
SPDR S&P Dividend ETF	Com	78464A763	8,620	93,289	SH		SOLE	0	93,289	0	0
SPDR S&P Dividend ETF	Com	78464A763	725	7,850	SH		OTR	0	7,450	0	400
SPDR Dow Jones Industrial Aver	Com	78467X109	1,062	3,827	SH		SOLE	0	3,827	0	0
SPDR Dow Jones Industrial Aver	Com	78467X109	222	800	SH		OTR	0	700	0	100
Midcap SPDR Trust Series 1	Com	78467Y107	6,086	17,963	SH		SOLE	0	17,077	0	886
Midcap SPDR Trust Series 1	Com	78467Y107	774	2,283	SH		OTR	0	2,171	60	52
Salesforce.Com	Com	79466L302	1,837	7,311	SH		SOLE	0	7,291	20	0
Salesforce.Com	Com	79466L302	1,071	4,260	SH		OTR	0	4,260	0	0
Schlumberger Ltd	Com	806857108	455	29,265	SH		SOLE	0	28,550	0	715
Schlumberger Ltd	Com	806857108	253	16,279	SH		OTR	0	16,119	160	0
Charles Schwab Corp	Com	808513105	81	2,222	SH		SOLE	0	2,222	0	0
Charles Schwab Corp	Com	808513105	130	3,575	SH		OTR	0	3,575	0	0
Schwab US Small Cap ETF	Com	808524607	1,243	18,190	SH		SOLE	0	18,190	0	0
Schwab US Small Cap ETF	Com	808524607	67	975	SH		OTR	0	975	0	0
Schwab US Dividend Equity ETF	Com	808524797	5,663	102,404	SH		SOLE	0	100,485	0	1,919
Schwab US Dividend Equity ETF	Com	808524797	924	16,715	SH		OTR	0	16,715	0	0
Schwab International Equity ET	Com	808524805	355	11,305	SH		SOLE	0	11,305	0	0
Schwab International Equity ET	Com	808524805	338	10,774	SH		OTR	0	10,774	0	0
Schwab US Aggregate Bd ETF	Com	808524839	354	6,313	SH		SOLE	0	6,313	0	0
Schwab US Aggregate Bd ETF	Com	808524839	983	17,535	SH		OTR	0	17,270	0	265
Materials Select SPDR Fund	Com	81369Y100	1,277	20,072	SH		SOLE	0	18,074	0	1,998
Materials Select SPDR Fund	Com	81369Y100	574	9,021	SH		OTR	0	8,201	375	445
Health Care Select Sector SPDR	Com	81369Y209	981	9,301	SH		SOLE	0	9,301	0	0
Health Care Select Sector SPDR	Com	81369Y209	52	491	SH		OTR	0	491	0	0
Consumer Staples Select Sector	Com	81369Y308	565	8,816	SH		SOLE	0	8,256	0	560
Consumer Staples Select Sector	Com	81369Y308	81	1,267	SH		OTR	0	987	100	180
Consumer Discretionary Selt	Com	81369Y407	1,584	10,779	SH		SOLE	0	8,949	0	1,830
Consumer Discretionary Selt	Com	81369Y407	176	1,195	SH		OTR	0	770	300	125
Energy Select Sector SPDR	Com	81369Y506	324	10,804	SH		SOLE	0	10,229	0	575
Energy Select Sector SPDR	Com	81369Y506	33	1,103	SH		OTR	0	883	80	140
Financial Select Sector SPDR	Com	81369Y605	820	34,068	SH		SOLE	0	31,379	0	2,689
Financial Select Sector SPDR	Com	81369Y605	21	860	SH		OTR	0	660	200	0
Industrial Select Sector SPDR	Com	81369Y704	968	12,572	SH		SOLE	0	12,572	0	0
Industrial Select Sector SPDR	Com	81369Y704	107	1,390	SH		OTR	0	1,300	0	90
Technology Select Sect SPDR	Com	81369Y803	2,491	21,344	SH		SOLE	0	21,083	162	99
Technology Select Sect SPDR	Com	81369Y803	314	2,687	SH		OTR	0	2,537	150	0
Real Estate Select Sect SPDR	Com	81369Y860	828	23,470	SH		SOLE	0	21,352	105	2,013
Real Estate Select Sect SPDR	Com	81369Y860	1,237	35,083	SH		OTR	0	34,912	46	125
Utilities Select Sector SPDR	Com	81369Y886	1,558	26,243	SH		SOLE	0	24,600	0	1,643
Utilities Select Sector SPDR	Com	81369Y886	861	14,493	SH		OTR	0	13,516	475	502
Skyworks Solutions Inc	Com	83088M102	262	1,800	SH		OTR	0	0	0	1,800
Southern Company	Com	842587107	1,011	18,645	SH		SOLE	0	18,645	0	0
Southern Company	Com	842587107	652	12,024	SH		OTR	0	11,899	0	125
Starbucks Corp	Com	855244109	125	1,451	SH		SOLE	0	1,451	0	0
Starbucks Corp	Com	855244109	426	4,960	SH		OTR	0	4,960	0	0
State Street Corp	Com	857477103	173	2,920	SH		SOLE	0	2,920	0	0
State Street Corp	Com	857477103	34	575	SH		OTR	0	575	0	0
Stericycle Inc	Com	858912108	202	3,205	SH		SOLE	0	3,205	0	0
Stericycle Inc	Com	858912108	112	1,775	SH		OTR	0	925	0	850
Stryker Corporation	Com	863667101	224	1,076	SH		SOLE	0	1,076	0	0
Sysco Corp	Com	871829107	394	6,330	SH		SOLE	0	6,330	0	0
Sysco Corp	Com	871829107	425	6,824	SH		OTR	0	6,399	0	425
TJX Cos Inc	Com	872540109	2,019	36,279	SH		SOLE	0	34,679	300	1,300
TJX Cos Inc	Com	872540109	2,025	36,395	SH		OTR	0	31,851	340	4,204
Target Corp	Com	87612E106	3,355	21,311	SH		SOLE	0	21,036	0	275
Target Corp	Com	87612E106	2,171	13,792	SH		OTR	0	10,952	175	2,665
Texas Instruments Inc	Com	882508104	645	4,517	SH		SOLE	0	4,517	0	0
Texas Instruments Inc	Com	882508104	42	292	SH		OTR	0	160	0	132
Thermo Fisher Scientific Inc	Com	883556102	574	1,300	SH		OTR	0	0	0	1,300
3m CO	Com	88579Y101	1,669	10,421	SH		SOLE	0	9,461	340	620
3m CO	Com	88579Y101	210	1,310	SH		OTR	0	1,275	35	0
Tompkins Financial Corporation	Com	890110109	216	3,795	SH		SOLE	0	3,700	0	95
Tompkins Financial Corporation	Com	890110109	34	600	SH		OTR	0	600	0	0
US Bancorp New	Com	902973304	696	19,405	SH		SOLE	0	19,405	0	0
US Bancorp New	Com	902973304	300	8,365	SH		OTR	0	5,179	470	2,716
Union Pac Corp	Com	907818108	3,949	20,059	SH		SOLE	0	19,101	0	958
Union Pac Corp	Com	907818108	3,448	17,515	SH		OTR	0	15,658	0	1,857
United Parcel Service Cl B	Com	911312106	665	3,992	SH		SOLE	0	3,992	0	0
United Parcel Service Cl B	Com	911312106	327	1,964	SH		OTR	0	1,964	0	0
Unitedhealth Group Inc	Com	91324P102	2,696	8,646	SH		SOLE	0	8,446	0	200
Unitedhealth Group Inc	Com	91324P102	1,605	5,149	SH		OTR	0	4,124	130	895
Univest Corp of Pennsylvania	Com	915271100	170	11,812	SH		OTR	0	11,812	0	0
Vaneck Vectors Agribusiness ET	Com	92189F700	831	12,317	SH		SOLE	0	11,517	50	750
Vaneck Vectors Agribusiness ET	Com	92189F700	761	11,273	SH		OTR	0	11,048	125	100
Vanguard Intermediate-Term Bon	Com	921937819	374	4,000	SH		SOLE	0	4,000	0	0
Vanguard Intermediate-Term Bon	Com	921937819	35	375	SH		OTR	0	375	0	0
Vanguard Total Bond Market ETF	Com	921937835	470	5,326	SH		SOLE	0	5,326	0	0
Vanguard FTSE Developed Market	Com	921943858	112	2,750	SH		SOLE	0	2,750	0	0
Vanguard FTSE Developed Market	Com	921943858	145	3,555	SH		OTR	0	3,555	0	0
Vanguard Ftse Emerging Markets	Com	922042858	1,327	30,686	SH		SOLE	0	30,686	0	0
Vanguard Ftse Emerging Markets	Com	922042858	428	9,908	SH		OTR	0	9,408	0	500
Vanguard Inter Term Corp Bond	Com	92206C870	1,356	14,156	SH		SOLE	0	14,156	0	0
Vanguard Inter Term Corp Bond	Com	92206C870	1,377	14,375	SH		OTR	0	14,375	0	0
Vanguard S&P 500 ETF	Com	922908363	11,701	38,035	SH		SOLE	0	37,848	0	187
Vanguard Mid-Cap Value Index F	Com	922908512	232	2,284	SH		SOLE	0	2,284	0	0
Vanguard Real Estate ETF	Com	922908553	918	11,625	SH		SOLE	0	11,625	0	0
Vanguard Real Estate ETF	Com	922908553	448	5,679	SH		OTR	0	5,340	239	100
Veoneer Incorporated Com	Com	92336X109	157	10,712	SH		SOLE	0	9,521	0	1,191
Veoneer Incorporated Com	Com	92336X109	182	12,394	SH		OTR	0	12,394	0	0
Verizon Communications	Com	92343V104	3,859	64,866	SH		SOLE	0	60,601	860	3,405
Verizon Communications	Com	92343V104	2,417	40,633	SH		OTR	0	35,207	225	5,201
Visa Inc Cl A	Com	92826C839	1,502	7,511	SH		SOLE	0	7,511	0	0
Visa Inc Cl A	Com	92826C839	1,302	6,510	SH		OTR	0	5,310	100	1,100
Wal Mart Inc	Com	931142103	2,068	14,782	SH		SOLE	0	14,382	0	400
Wal Mart Inc	Com	931142103	1,580	11,294	SH		OTR	0	9,878	350	1,066
Walgreens Boots Alliance Inc	Com	931427108	194	5,394	SH		SOLE	0	5,394	0	0
Walgreens Boots Alliance Inc	Com	931427108	48	1,345	SH		OTR	0	745	0	600
Waste Management Inc	Com	94106L109	178	1,575	SH		SOLE	0	1,575	0	0
Waste Management Inc	Com	94106L109	161	1,425	SH		OTR	0	1,200	0	225
Wells Fargo & CO	Com	949746101	891	37,898	SH		SOLE	0	37,498	0	400
Wells Fargo & CO	Com	949746101	422	17,963	SH		OTR	0	14,908	755	2,300
WisdomTree MidCap Dividend ETF	Com	97717W505	1,473	50,920	SH		SOLE	0	50,142	0	778
WisdomTree MidCap Dividend ETF	Com	97717W505	226	7,808	SH		OTR	0	4,798	0	3,010
WisdomTree SmallCap Dividend E	Com	97717W604	531	25,188	SH		SOLE	0	25,055	0	133
WisdomTree SmallCap Dividend E	Com	97717W604	48	2,277	SH		OTR	0	2,277	0	0
Xcel Energy Inc	Com	98389B100	213	3,084	SH		SOLE	0	0	0	3,084
Xcel Energy Inc	Com	98389B100	173	2,500	SH		OTR	0	0	0	2,500
Xylem Inc	Com	98419M100	320	3,809	SH		SOLE	0	3,809	0	0
Xylem Inc	Com	98419M100	172	2,050	SH		OTR	0	2,050	0	0
Yum! Brands Inc	Com	988498101	371	4,064	SH		SOLE	0	4,064	0	0
Yum! Brands Inc	Com	988498101	74	814	SH		OTR	0	814	0	0
Zimmer Biomet Holdings Inc	Com	98956P102	442	3,250	SH		SOLE	0	2,920	60	270
Zimmer Biomet Holdings Inc	Com	98956P102	303	2,222	SH		OTR	0	2,142	0	80
Deutsche Bank Ag	Com	D18190898	84	10,000	SH		SOLE	0	10,000	0	0
Accenture PLC Cl A	Com	G1151C101	59	263	SH		SOLE	0	263	0	0
Accenture PLC Cl A	Com	G1151C101	294	1,300	SH		OTR	0	0	0	1,300
Eaton Corp PLC	Com	G29183103	435	4,261	SH		SOLE	0	4,261	0	0
Eaton Corp PLC	Com	G29183103	578	5,664	SH		OTR	0	4,589	0	1,075
Linde PLC	Com	G5494J103	1,548	6,499	SH		SOLE	0	6,499	0	0
Linde PLC	Com	G5494J103	875	3,674	SH		OTR	0	2,549	0	1,125
Medtronic PLC	Com	G5960L103	992	9,549	SH		SOLE	0	9,549	0	0
Medtronic PLC	Com	G5960L103	874	8,412	SH		OTR	0	8,341	71	0