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
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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	1,750	60,835	SH		SOLE	0	58,499	175	2,161
AT&T Inc	Com	00206R102	1,398	48,605	SH		OTR	0	43,093	400	5,112
Abbott Labs	Com	002824100	6,365	58,133	SH		SOLE	0	57,533	0	600
Abbott Labs	Com	002824100	2,334	21,317	SH		OTR	0	19,476	621	1,220
Abbvie Inc	Com	00287Y109	2,678	24,995	SH		SOLE	0	24,695	0	300
Abbvie Inc	Com	00287Y109	2,009	18,747	SH		OTR	0	15,352	295	3,100
Activision Blizzard, Inc	Com	00507V109	953	10,268	SH		SOLE	0	10,268	0	0
Activision Blizzard, Inc	Com	00507V109	596	6,420	SH		OTR	0	6,420	0	0
Air Products & Chemicals Inc	Com	009158106	1,642	6,011	SH		SOLE	0	6,011	0	0
Air Products & Chemicals Inc	Com	009158106	526	1,925	SH		OTR	0	1,925	0	0
Allstate Corp	Com	020002101	48	435	SH		SOLE	0	435	0	0
Allstate Corp	Com	020002101	154	1,400	SH		OTR	0	1,400	0	0
Alphabet Inc Cl C	Com	02079K107	4,159	2,374	SH		SOLE	0	2,284	0	90
Alphabet Inc Cl C	Com	02079K107	3,819	2,180	SH		OTR	0	2,050	0	130
Alphabet Inc Cl A	Com	02079K305	3,239	1,848	SH		SOLE	0	1,828	0	20
Alphabet Inc Cl A	Com	02079K305	840	479	SH		OTR	0	364	0	115
Altria Group Inc	Com	02209S103	515	12,553	SH		SOLE	0	11,778	0	775
Altria Group Inc	Com	02209S103	1,408	34,342	SH		OTR	0	33,642	0	700
Amazon.Com Inc	Com	023135106	2,055	631	SH		SOLE	0	631	0	0
Amazon.Com Inc	Com	023135106	1,032	317	SH		OTR	0	257	0	60
American Express CO	Com	025816109	603	4,987	SH		SOLE	0	4,987	0	0
American Express CO	Com	025816109	356	2,946	SH		OTR	0	1,260	0	1,686
American Tower Corp REIT	Com	03027X100	123	550	SH		SOLE	0	550	0	0
American Tower Corp REIT	Com	03027X100	160	715	SH		OTR	0	715	0	0
American Water Works CO Inc	Com	030420103	1,626	10,598	SH		SOLE	0	10,598	0	0
American Water Works CO Inc	Com	030420103	1,175	7,655	SH		OTR	0	6,125	100	1,430
Amgen Inc	Com	031162100	601	2,615	SH		SOLE	0	2,615	0	0
Amgen Inc	Com	031162100	382	1,660	SH		OTR	0	1,660	0	0
Apache Corp	Com	037411105	162	11,397	SH		SOLE	0	11,397	0	0
Apache Corp	Com	037411105	32	2,235	SH		OTR	0	2,135	100	0
Apple Inc	Com	037833100	21,856	164,715	SH		SOLE	0	150,512	360	13,843
Apple Inc	Com	037833100	12,278	92,532	SH		OTR	0	79,582	2,850	10,100
Arrow Finl Corp	Com	042744102	331	11,068	SH		SOLE	0	3,356	0	7,712
Arrow Finl Corp	Com	042744102	110	3,688	SH		OTR	0	3,688	0	0
Autoliv Inc	Com	052800109	901	9,780	SH		SOLE	0	8,736	0	1,044
Autoliv Inc	Com	052800109	990	10,746	SH		OTR	0	10,746	0	0
Automatic Data Processing Inc	Com	053015103	4,094	23,234	SH		SOLE	0	22,954	0	280
Automatic Data Processing Inc	Com	053015103	1,158	6,573	SH		OTR	0	5,953	140	480
Bank of America Corp	Com	060505104	681	22,463	SH		SOLE	0	21,815	0	648
Bank of America Corp	Com	060505104	243	8,025	SH		OTR	0	8,025	0	0
Bank of New York Mellon Corp	Com	064058100	459	10,813	SH		SOLE	0	10,813	0	0
Bank of New York Mellon Corp	Com	064058100	36	838	SH		OTR	0	338	0	500
Baxter Intl Inc	Com	071813109	614	7,657	SH		SOLE	0	7,657	0	0
Baxter Intl Inc	Com	071813109	285	3,555	SH		OTR	0	1,995	100	1,460
Becton Dickinson	Com	075887109	339	1,353	SH		SOLE	0	1,353	0	0
Becton Dickinson	Com	075887109	264	1,057	SH		OTR	0	1,057	0	0
Berkshire Hathaway Inc-Cl B	Com	084670702	2,485	10,719	SH		SOLE	0	10,489	30	200
Berkshire Hathaway Inc-Cl B	Com	084670702	2,188	9,438	SH		OTR	0	9,418	20	0
Best Buy Company Inc	Com	086516101	435	4,364	SH		SOLE	0	4,364	0	0
Best Buy Company Inc	Com	086516101	39	395	SH		OTR	0	395	0	0
BHP Group Ltd Spons ADR	Com	088606108	199	3,039	SH		SOLE	0	2,839	0	200
BHP Group Ltd Spons ADR	Com	088606108	103	1,575	SH		OTR	0	1,525	0	50
Biogen Inc	Com	09062X103	51	210	SH		SOLE	0	210	0	0
Biogen Inc	Com	09062X103	167	680	SH		OTR	0	680	0	0
Blackrock Inc Cl A	Com	09247X101	48	66	SH		SOLE	0	66	0	0
Blackrock Inc Cl A	Com	09247X101	346	480	SH		OTR	0	80	0	400
Boeing CO	Com	097023105	1,027	4,800	SH		SOLE	0	4,565	0	235
Boeing CO	Com	097023105	1,735	8,105	SH		OTR	0	7,955	150	0
Bristol Myers Squibb CO	Com	110122108	4,059	65,433	SH		SOLE	0	62,588	725	2,120
Bristol Myers Squibb CO	Com	110122108	2,415	38,925	SH		OTR	0	33,545	250	5,130
Cigna Corp	Com	125523100	191	918	SH		SOLE	0	881	0	37
Cigna Corp	Com	125523100	15	73	SH		OTR	0	73	0	0
Csx Corp	Com	126408103	275	3,031	SH		SOLE	0	3,031	0	0
Csx Corp	Com	126408103	196	2,160	SH		OTR	0	2,160	0	0
CVS Health Corp	Com	126650100	2,523	36,936	SH		SOLE	0	36,116	0	820
CVS Health Corp	Com	126650100	1,409	20,626	SH		OTR	0	17,111	340	3,175
Carrier Global Corporation	Com	14448C104	1,011	26,801	SH		SOLE	0	25,831	100	870
Carrier Global Corporation	Com	14448C104	922	24,433	SH		OTR	0	21,092	1,186	2,155
Caterpillar Inc	Com	149123101	2,460	13,515	SH		SOLE	0	12,627	0	888
Caterpillar Inc	Com	149123101	1,918	10,540	SH		OTR	0	10,195	45	300
Chevron Corporation	Com	166764100	3,663	43,370	SH		SOLE	0	41,130	375	1,865
Chevron Corporation	Com	166764100	2,624	31,074	SH		OTR	0	29,369	375	1,330
Cisco Systems Inc	Com	17275R102	3,178	71,025	SH		SOLE	0	67,132	0	3,893
Cisco Systems Inc	Com	17275R102	2,285	51,056	SH		OTR	0	49,856	595	605
Citigroup Inc	Com	172967424	663	10,757	SH		SOLE	0	10,757	0	0
Citigroup Inc	Com	172967424	419	6,795	SH		OTR	0	5,895	150	750
Clorox Company	Com	189054109	1,082	5,358	SH		SOLE	0	5,358	0	0
Clorox Company	Com	189054109	562	2,785	SH		OTR	0	2,300	0	485
Coca Cola CO	Com	191216100	2,490	45,410	SH		SOLE	0	39,176	960	5,274
Coca Cola CO	Com	191216100	1,240	22,620	SH		OTR	0	17,400	150	5,070
Colgate Palmolive CO	Com	194162103	1,261	14,742	SH		SOLE	0	12,612	430	1,700
Colgate Palmolive CO	Com	194162103	681	7,960	SH		OTR	0	4,510	0	3,450
ComCast Corp-Cl A	Com	20030N101	1,208	23,057	SH		SOLE	0	20,783	0	2,274
ComCast Corp-Cl A	Com	20030N101	653	12,469	SH		OTR	0	10,246	650	1,573
Conocophillips	Com	20825C104	328	8,193	SH		SOLE	0	8,093	100	0
Conocophillips	Com	20825C104	87	2,177	SH		OTR	0	1,927	100	150
Corning Inc	Com	219350105	542	15,061	SH		SOLE	0	15,061	0	0
Corning Inc	Com	219350105	430	11,950	SH		OTR	0	9,200	900	1,850
Corteva Inc Com	Com	22052L104	116	2,997	SH		SOLE	0	2,906	0	91
Corteva Inc Com	Com	22052L104	311	8,037	SH		OTR	0	7,809	0	228
Costco Wholesale Corp	Com	22160K105	649	1,722	SH		SOLE	0	1,722	0	0
Costco Wholesale Corp	Com	22160K105	506	1,344	SH		OTR	0	604	0	740
DTE Energy Co	Com	233331107	431	3,554	SH		SOLE	0	3,554	0	0
Danaher Corp	Com	235851102	4,665	21,001	SH		SOLE	0	18,901	0	2,100
Danaher Corp	Com	235851102	2,680	12,065	SH		OTR	0	10,518	140	1,407
Deere & CO	Com	244199105	2,489	9,252	SH		SOLE	0	8,564	25	663
Deere & CO	Com	244199105	2,981	11,079	SH		OTR	0	11,009	70	0
Dicks Sporting Goods Inc	Com	253393102	187	3,331	SH		SOLE	0	3,331	0	0
Dicks Sporting Goods Inc	Com	253393102	14	253	SH		OTR	0	253	0	0
Digital Realty Trust Inc REIT	Com	253868103	133	951	SH		SOLE	0	951	0	0
Digital Realty Trust Inc REIT	Com	253868103	167	1,196	SH		OTR	0	1,196	0	0
Disney Walt CO New	Com	254687106	6,533	36,057	SH		SOLE	0	34,874	0	1,183
Disney Walt CO New	Com	254687106	4,031	22,249	SH		OTR	0	20,784	570	895
Dominion Resources Inc	Com	25746U109	1,180	15,693	SH		SOLE	0	15,383	0	310
Dominion Resources Inc	Com	25746U109	746	9,915	SH		OTR	0	7,395	80	2,440
Dow Inc Com	Com	260557103	733	13,206	SH		SOLE	0	13,115	0	91
Dow Inc Com	Com	260557103	745	13,421	SH		OTR	0	12,447	16	958
Duke Energy Corp	Com	26441C204	287	3,138	SH		SOLE	0	2,838	300	0
Duke Energy Corp	Com	26441C204	170	1,862	SH		OTR	0	1,762	100	0
Dupont De Nemours Inc	Com	26614N102	1,007	14,160	SH		SOLE	0	14,069	0	91
Dupont De Nemours Inc	Com	26614N102	1,043	14,661	SH		OTR	0	13,675	16	970
Ecolab Inc	Com	278865100	1,594	7,369	SH		SOLE	0	7,369	0	0
Ecolab Inc	Com	278865100	587	2,715	SH		OTR	0	2,225	40	450
Emerson Elec CO	Com	291011104	953	11,858	SH		SOLE	0	11,858	0	0
Emerson Elec CO	Com	291011104	463	5,756	SH		OTR	0	5,656	100	0
Exelon Corp	Com	30161N101	162	3,848	SH		SOLE	0	3,848	0	0
Exelon Corp	Com	30161N101	142	3,365	SH		OTR	0	3,015	0	350
Exxonmobil Corp	Com	30231G102	3,694	89,617	SH		SOLE	0	85,651	820	3,146
Exxonmobil Corp	Com	30231G102	2,956	71,718	SH		OTR	0	68,118	635	2,965
Facebook Inc-A	Com	30303M102	1,447	5,297	SH		SOLE	0	5,297	0	0
Facebook Inc-A	Com	30303M102	1,229	4,499	SH		OTR	0	4,499	0	0
Fedex Corporation	Com	31428X106	214	826	SH		SOLE	0	826	0	0
Fedex Corporation	Com	31428X106	65	250	SH		OTR	0	250	0	0
Fiserv Inc	Com	337738108	536	4,704	SH		SOLE	0	4,704	0	0
Fiserv Inc	Com	337738108	100	874	SH		OTR	0	874	0	0
FlexShares Mstar Glbl Upstrm N	Com	33939L407	31,072	954,873	SH		SOLE	0	949,187	0	5,686
FlexShares Mstar Glbl Upstrm N	Com	33939L407	2,704	83,103	SH		OTR	0	77,931	340	4,832
FlexShares Global Quality Real	Com	33939L787	682	11,840	SH		SOLE	0	11,840	0	0
FlexShares Global Quality Real	Com	33939L787	1	20	SH		OTR	0	20	0	0
FlexShares STOXX Glbl Brd Infr	Com	33939L795	4,637	86,257	SH		SOLE	0	86,257	0	0
FlexShares STOXX Glbl Brd Infr	Com	33939L795	302	5,610	SH		OTR	0	5,080	0	530
FlexShares International Quali	Com	33939L837	743	30,745	SH		SOLE	0	30,745	0	0
FlexShares International Quali	Com	33939L837	110	4,540	SH		OTR	0	4,540	0	0
Fortive Corp	Com	34959J108	324	4,570	SH		SOLE	0	4,270	0	300
Fortive Corp	Com	34959J108	158	2,229	SH		OTR	0	1,385	50	794
General Dynamics Corp	Com	369550108	782	5,258	SH		SOLE	0	5,108	0	150
General Dynamics Corp	Com	369550108	124	835	SH		OTR	0	735	0	100
General Electric Corp	Com	369604103	404	37,379	SH		SOLE	0	34,546	0	2,833
General Electric Corp	Com	369604103	259	23,945	SH		OTR	0	23,870	0	75
General Mls Inc	Com	370334104	662	11,253	SH		SOLE	0	10,755	0	498
General Mls Inc	Com	370334104	427	7,255	SH		OTR	0	6,460	100	695
Gilead Sciences Inc	Com	375558103	308	5,280	SH		SOLE	0	5,280	0	0
Gilead Sciences Inc	Com	375558103	261	4,480	SH		OTR	0	1,980	0	2,500
Glaxo Smithkline Spons ADR	Com	37733W105	273	7,426	SH		SOLE	0	7,201	0	225
Glaxo Smithkline Spons ADR	Com	37733W105	185	5,037	SH		OTR	0	4,032	255	750
Goldman Sachs Group Inc	Com	38141G104	1,124	4,264	SH		SOLE	0	4,244	20	0
Goldman Sachs Group Inc	Com	38141G104	1,005	3,810	SH		OTR	0	3,810	0	0
Grainger W W Inc	Com	384802104	1,386	3,395	SH		SOLE	0	3,395	0	0
Grainger W W Inc	Com	384802104	868	2,125	SH		OTR	0	1,245	100	780
Home Depot Inc	Com	437076102	951	3,579	SH		SOLE	0	3,579	0	0
Home Depot Inc	Com	437076102	1,559	5,870	SH		OTR	0	4,570	150	1,150
Honeywell International Inc	Com	438516106	3,812	17,920	SH		SOLE	0	17,005	0	915
Honeywell International Inc	Com	438516106	1,749	8,224	SH		OTR	0	5,600	300	2,324
Illinois Tool Wks Inc	Com	452308109	363	1,780	SH		SOLE	0	1,780	0	0
Illinois Tool Wks Inc	Com	452308109	92	450	SH		OTR	0	450	0	0
Intel Corp	Com	458140100	5,060	101,567	SH		SOLE	0	98,867	1,200	1,500
Intel Corp	Com	458140100	1,776	35,644	SH		OTR	0	32,544	1,250	1,850
Intercontinental Exchange Inc	Com	45866F104	796	6,905	SH		SOLE	0	6,905	0	0
Intercontinental Exchange Inc	Com	45866F104	140	1,215	SH		OTR	0	1,015	0	200
Intl. Business Machines Corp	Com	459200101	2,080	16,520	SH		SOLE	0	14,632	435	1,453
Intl. Business Machines Corp	Com	459200101	1,795	14,261	SH		OTR	0	12,878	0	1,383
Invesco Tr II Senior Loan ETF	Com	46138G508	97	4,350	SH		SOLE	0	4,350	0	0
Invesco Tr II Senior Loan ETF	Com	46138G508	175	7,875	SH		OTR	0	7,875	0	0
Ishares Barclays TIPS Bond ETF	Com	464287176	358	2,801	SH		SOLE	0	2,801	0	0
Ishares Core S&P 500 ETF	Com	464287200	215	572	SH		SOLE	0	572	0	0
Ishares Core Total U.S. Aggreg	Com	464287226	355	3,005	SH		SOLE	0	3,005	0	0
Ishares Msci Emerging Mkt ETF	Com	464287234	4,158	80,472	SH		SOLE	0	79,536	525	411
Ishares Msci Emerging Mkt ETF	Com	464287234	981	18,979	SH		OTR	0	17,999	255	725
Ishares Msci Eafe ETF	Com	464287465	3,526	48,324	SH		SOLE	0	47,519	0	805
Ishares Msci Eafe ETF	Com	464287465	994	13,629	SH		OTR	0	13,069	235	325
Ishares Russell Mid Cap ETF	Com	464287499	233	3,395	SH		SOLE	0	3,395	0	0
Ishares Core S&P Mid-Cap ETF	Com	464287507	1,673	7,280	SH		SOLE	0	7,280	0	0
Ishares Core S&P Mid-Cap ETF	Com	464287507	452	1,966	SH		OTR	0	1,766	0	200
Ishares Nasdaq Biotech ETF	Com	464287556	3,503	23,122	SH		SOLE	0	22,534	96	492
Ishares Nasdaq Biotech ETF	Com	464287556	2,259	14,912	SH		OTR	0	12,682	615	1,615
Ishares S&P Midcap 400/Grwth E	Com	464287606	257	3,560	SH		SOLE	0	3,560	0	0
Ishares S&P Midcap 400/Grwth E	Com	464287606	157	2,180	SH		OTR	0	2,180	0	0
Ishares Russell 1000 Growth ET	Com	464287614	273	1,132	SH		SOLE	0	1,132	0	0
Ishares Russell 2000 Value ETF	Com	464287630	201	1,522	SH		SOLE	0	1,522	0	0
Ishares Russell 2000 ETF	Com	464287655	5,752	29,337	SH		SOLE	0	28,055	0	1,282
Ishares Russell 2000 ETF	Com	464287655	629	3,208	SH		OTR	0	3,043	130	35
Ishares DJ US Telcom Sector ET	Com	464287713	943	31,218	SH		SOLE	0	31,218	0	0
Ishares DJ US Telcom Sector ET	Com	464287713	597	19,740	SH		OTR	0	19,540	200	0
Ishares Core S&P Small-Cap ETF	Com	464287804	428	4,654	SH		SOLE	0	4,654	0	0
Ishares Core S&P Small-Cap ETF	Com	464287804	12	135	SH		OTR	0	135	0	0
Ishares Msci Eafe Small Cap ET	Com	464288273	4,233	61,930	SH		SOLE	0	61,920	0	10
Ishares Msci Eafe Small Cap ET	Com	464288273	435	6,365	SH		OTR	0	6,365	0	0
Ishares New York Muni Bond ETF	Com	464288323	1,013	17,392	SH		SOLE	0	17,392	0	0
Ishares IBoxx High Yield Corpo	Com	464288513	1,907	21,845	SH		SOLE	0	21,845	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	247	4,478	SH		SOLE	0	4,478	0	0
Ishares S&P Pref Stk ETF	Com	464288687	2,269	58,908	SH		SOLE	0	58,908	0	0
Ishares S&P Pref Stk ETF	Com	464288687	536	13,918	SH		OTR	0	9,938	0	3,980
Ishares MSCI EAFE Growth ETF	Com	464288885	19,562	193,854	SH		SOLE	0	191,786	0	2,068
Ishares MSCI EAFE Growth ETF	Com	464288885	1,104	10,942	SH		OTR	0	10,942	0	0
IShares Russell Top 200 Growth	Com	464289438	278	2,090	SH		SOLE	0	2,090	0	0
Ishares Aaa-A Rated Corp Bond	Com	46429B291	271	4,636	SH		SOLE	0	4,636	0	0
iShares Core High Dividend ETF	Com	46429B663	569	6,486	SH		SOLE	0	6,486	0	0
Ishares Core Msci Eafe ETF	Com	46432F842	8,370	121,153	SH		SOLE	0	121,098	0	55
Ishares Core Msci Eafe ETF	Com	46432F842	759	10,990	SH		OTR	0	10,990	0	0
Ishares Core Emerging Markets	Com	46434G103	4,337	69,911	SH		SOLE	0	69,911	0	0
Ishares Core Emerging Markets	Com	46434G103	927	14,935	SH		OTR	0	12,580	0	2,355
IShares Core Intnl Agg Bond ET	Com	46435G672	207	3,690	SH		SOLE	0	3,690	0	0
JP Morgan Chase & CO	Com	46625H100	8,690	68,386	SH		SOLE	0	66,834	112	1,440
JP Morgan Chase & CO	Com	46625H100	6,178	48,615	SH		OTR	0	41,465	640	6,510
JPMorgan Ultra-Short Income ET	Com	46641Q837	95	1,870	SH		SOLE	0	1,870	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	98	898	SH		SOLE	0	898	0	0
Jacobs Engineering Group Inc	Com	469814107	324	2,975	SH		OTR	0	1,075	0	1,900
Johnson & Johnson	Com	478160104	9,570	60,811	SH		SOLE	0	55,011	150	5,650
Johnson & Johnson	Com	478160104	4,859	30,876	SH		OTR	0	26,901	310	3,665
Keycorp	Com	493267108	45	2,762	SH		SOLE	0	2,762	0	0
Keycorp	Com	493267108	136	8,300	SH		OTR	0	8,300	0	0
Kimberly Clark Corp	Com	494368103	524	3,888	SH		SOLE	0	3,888	0	0
Kimberly Clark Corp	Com	494368103	118	875	SH		OTR	0	875	0	0
Kraft Heinz CO	Com	500754106	153	4,413	SH		SOLE	0	4,413	0	0
Kraft Heinz CO	Com	500754106	245	7,081	SH		OTR	0	7,081	0	0
Lilly Eli & CO	Com	532457108	326	1,930	SH		SOLE	0	1,402	0	528
Lilly Eli & CO	Com	532457108	1,065	6,310	SH		OTR	0	5,285	0	1,025
Lockheed Martin Corp	Com	539830109	2,671	7,525	SH		SOLE	0	7,010	0	515
Lockheed Martin Corp	Com	539830109	810	2,283	SH		OTR	0	2,283	0	0
Lowes Cos Inc	Com	548661107	7,642	47,609	SH		SOLE	0	47,079	25	505
Lowes Cos Inc	Com	548661107	4,162	25,927	SH		OTR	0	24,597	330	1,000
Marriott International Inc	Com	571903202	270	2,047	SH		SOLE	0	2,047	0	0
Mastercard Inc Cl A	Com	57636Q104	234	655	SH		SOLE	0	655	0	0
Mastercard Inc Cl A	Com	57636Q104	198	555	SH		OTR	0	555	0	0
McDonalds Corp	Com	580135101	6,809	31,734	SH		SOLE	0	31,504	75	155
McDonalds Corp	Com	580135101	3,992	18,606	SH		OTR	0	17,691	240	675
Merck & CO Inc	Com	58933Y105	3,411	41,703	SH		SOLE	0	40,228	675	800
Merck & CO Inc	Com	58933Y105	1,784	21,812	SH		OTR	0	20,847	140	825
Metlife Inc	Com	59156R108	353	7,527	SH		SOLE	0	7,527	0	0
Metlife Inc	Com	59156R108	77	1,637	SH		OTR	0	1,226	111	300
Microsoft Corp	Com	594918104	16,449	73,956	SH		SOLE	0	70,653	215	3,088
Microsoft Corp	Com	594918104	8,940	40,195	SH		OTR	0	37,264	665	2,266
Microchip Technology Inc	Com	595017104	2,491	18,035	SH		SOLE	0	18,035	0	0
Microchip Technology Inc	Com	595017104	750	5,433	SH		OTR	0	4,508	150	775
Mondelez International Inc	Com	609207105	522	8,921	SH		SOLE	0	8,507	0	414
Mondelez International Inc	Com	609207105	1,042	17,817	SH		OTR	0	17,817	0	0
Morgan Stanley	Com	617446448	212	3,091	SH		SOLE	0	3,091	0	0
Morgan Stanley	Com	617446448	7	100	SH		OTR	0	100	0	0
NBT Bancorp Inc	Com	628778102	7,440	231,767	SH		SOLE	0	134,480	0	97,287
NBT Bancorp Inc	Com	628778102	678	21,114	SH		OTR	0	17,848	0	3,266
Netflix Inc	Com	64110L106	407	752	SH		SOLE	0	752	0	0
Nextera Energy Inc	Com	65339F101	2,421	31,374	SH		SOLE	0	29,574	0	1,800
Nextera Energy Inc	Com	65339F101	2,266	29,368	SH		OTR	0	18,048	120	11,200
Nike Inc-Class B	Com	654106103	2,988	21,124	SH		SOLE	0	21,124	0	0
Nike Inc-Class B	Com	654106103	969	6,850	SH		OTR	0	6,850	0	0
Norfolk Southern Corp	Com	655844108	1,128	4,747	SH		SOLE	0	4,747	0	0
Norfolk Southern Corp	Com	655844108	1,721	7,245	SH		OTR	0	4,780	70	2,395
Novartis Ag Spons ADR	Com	66987V109	1,355	14,344	SH		SOLE	0	14,194	0	150
Novartis Ag Spons ADR	Com	66987V109	916	9,702	SH		OTR	0	9,552	150	0
Nucor Corp	Com	670346105	466	8,769	SH		SOLE	0	8,769	0	0
Nucor Corp	Com	670346105	323	6,075	SH		OTR	0	4,625	0	1,450
Nvidia Corp	Com	67066G104	373	715	SH		SOLE	0	715	0	0
Nvidia Corp	Com	67066G104	193	370	SH		OTR	0	370	0	0
O'Reilly Automotive Inc	Com	67103H107	272	600	SH		SOLE	0	600	0	0
Oracle Corporation	Com	68389X105	2,601	40,212	SH		SOLE	0	38,712	0	1,500
Oracle Corporation	Com	68389X105	699	10,810	SH		OTR	0	8,310	0	2,500
Otis Worldwide Corp	Com	68902V107	904	13,380	SH		SOLE	0	12,895	50	435
Otis Worldwide Corp	Com	68902V107	762	11,287	SH		OTR	0	10,417	593	277
Palo Alto Networks	Com	697435105	36	100	SH		SOLE	0	100	0	0
Palo Alto Networks	Com	697435105	190	535	SH		OTR	0	535	0	0
Paypal Holdings Inc	Com	70450Y103	330	1,407	SH		SOLE	0	1,407	0	0
Paypal Holdings Inc	Com	70450Y103	759	3,240	SH		OTR	0	990	0	2,250
Pepsico Inc	Com	713448108	6,843	46,143	SH		SOLE	0	45,470	100	573
Pepsico Inc	Com	713448108	3,112	20,987	SH		OTR	0	19,832	345	810
Pfizer Inc	Com	717081103	4,082	110,884	SH		SOLE	0	106,363	0	4,521
Pfizer Inc	Com	717081103	2,425	65,881	SH		OTR	0	61,632	1,385	2,864
Philip Morris International	Com	718172109	744	8,981	SH		SOLE	0	8,306	0	675
Philip Morris International	Com	718172109	2,285	27,602	SH		OTR	0	27,602	0	0
T Rowe Price Group Inc	Com	74144T108	3,977	26,271	SH		SOLE	0	26,221	50	0
T Rowe Price Group Inc	Com	74144T108	2,300	15,190	SH		OTR	0	14,595	295	300
Procter & Gamble CO	Com	742718109	9,359	67,263	SH		SOLE	0	62,290	450	4,523
Procter & Gamble CO	Com	742718109	5,165	37,118	SH		OTR	0	32,483	380	4,255
Prudential Finl Inc	Com	744320102	1,086	13,905	SH		SOLE	0	13,855	50	0
Prudential Finl Inc	Com	744320102	931	11,927	SH		OTR	0	11,577	150	200
Public Service Enterprise Grou	Com	744573106	150	2,572	SH		SOLE	0	2,572	0	0
Public Service Enterprise Grou	Com	744573106	149	2,550	SH		OTR	0	2,550	0	0
Qualcomm Inc	Com	747525103	3,915	25,696	SH		SOLE	0	25,271	0	425
Qualcomm Inc	Com	747525103	2,251	14,779	SH		OTR	0	14,054	225	500
Quanta Services Incorporated	Com	74762E102	486	6,750	SH		OTR	0	2,100	0	4,650
Raytheon Technologies Corp	Com	75513E101	2,775	38,804	SH		SOLE	0	37,834	100	870
Raytheon Technologies Corp	Com	75513E101	2,004	28,021	SH		OTR	0	24,530	1,186	2,305
S&P Global Inc	Com	78409V104	559	1,700	SH		OTR	0	0	0	1,700
SPDR S&P 500 ETF Trust	Com	78462F103	4,536	12,132	SH		SOLE	0	11,718	0	414
SPDR S&P 500 ETF Trust	Com	78462F103	686	1,835	SH		OTR	0	1,475	160	200
SPDR Gold Trust	Com	78463V107	297	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	267	6,334	SH		SOLE	0	6,334	0	0
SPDR Portfolio Developed Wld e	Com	78463X889	4,143	122,766	SH		SOLE	0	122,766	0	0
SPDR Portfolio Developed Wld e	Com	78463X889	1,021	30,255	SH		OTR	0	30,255	0	0
SPDR Preferred Stock ETF	Com	78464A292	280	6,310	SH		SOLE	0	6,310	0	0
SPDR Portfolio Intermediate Te	Com	78464A375	704	18,934	SH		SOLE	0	18,934	0	0
SPDR S&P Regional Banking ETF	Com	78464A698	1,819	35,016	SH		SOLE	0	34,516	0	500
SPDR S&P Regional Banking ETF	Com	78464A698	1,112	21,412	SH		OTR	0	21,212	100	100
SPDR S&P Dividend ETF	Com	78464A763	8,957	84,559	SH		SOLE	0	84,559	0	0
SPDR S&P Dividend ETF	Com	78464A763	832	7,850	SH		OTR	0	7,450	0	400
SPDR Dow Jones Industrial Aver	Com	78467X109	1,172	3,834	SH		SOLE	0	3,834	0	0
SPDR Dow Jones Industrial Aver	Com	78467X109	245	800	SH		OTR	0	700	0	100
Midcap SPDR Trust Series 1	Com	78467Y107	7,270	17,314	SH		SOLE	0	16,428	0	886
Midcap SPDR Trust Series 1	Com	78467Y107	942	2,243	SH		OTR	0	2,131	60	52
Salesforce.Com	Com	79466L302	1,749	7,859	SH		SOLE	0	7,839	20	0
Salesforce.Com	Com	79466L302	999	4,490	SH		OTR	0	4,490	0	0
Schlumberger Ltd	Com	806857108	583	26,688	SH		SOLE	0	25,973	0	715
Schlumberger Ltd	Com	806857108	335	15,325	SH		OTR	0	15,165	160	0
Charles Schwab Corp	Com	808513105	187	3,522	SH		SOLE	0	3,522	0	0
Charles Schwab Corp	Com	808513105	190	3,575	SH		OTR	0	3,575	0	0
Schwab US Small Cap ETF	Com	808524607	1,579	17,740	SH		SOLE	0	17,740	0	0
Schwab US Small Cap ETF	Com	808524607	87	975	SH		OTR	0	975	0	0
Schwab Fundamental Intl Lg Co	Com	808524755	235	8,015	SH		SOLE	0	8,015	0	0
Schwab US Dividend Equity ETF	Com	808524797	6,617	103,168	SH		SOLE	0	101,249	0	1,919
Schwab US Dividend Equity ETF	Com	808524797	1,053	16,420	SH		OTR	0	16,420	0	0
Schwab International Equity ET	Com	808524805	2,739	76,055	SH		SOLE	0	76,055	0	0
Schwab International Equity ET	Com	808524805	388	10,774	SH		OTR	0	10,774	0	0
Schwab US Aggregate Bd ETF	Com	808524839	504	9,001	SH		SOLE	0	9,001	0	0
Schwab US Aggregate Bd ETF	Com	808524839	1,422	25,374	SH		OTR	0	25,109	0	265
Materials Select SPDR Fund	Com	81369Y100	1,453	20,067	SH		SOLE	0	18,069	0	1,998
Materials Select SPDR Fund	Com	81369Y100	653	9,021	SH		OTR	0	8,201	375	445
Health Care Select Sector SPDR	Com	81369Y209	1,015	8,945	SH		SOLE	0	8,945	0	0
Health Care Select Sector SPDR	Com	81369Y209	56	491	SH		OTR	0	491	0	0
Consumer Staples Select Sector	Com	81369Y308	576	8,539	SH		SOLE	0	7,979	0	560
Consumer Staples Select Sector	Com	81369Y308	85	1,267	SH		OTR	0	987	100	180
Consumer Discretionary Selt	Com	81369Y407	1,681	10,454	SH		SOLE	0	8,624	0	1,830
Consumer Discretionary Selt	Com	81369Y407	188	1,170	SH		OTR	0	770	275	125
Energy Select Sector SPDR	Com	81369Y506	329	8,674	SH		SOLE	0	8,441	0	233
Energy Select Sector SPDR	Com	81369Y506	37	980	SH		OTR	0	760	80	140
Financial Select Sector SPDR	Com	81369Y605	977	33,133	SH		SOLE	0	30,444	0	2,689
Financial Select Sector SPDR	Com	81369Y605	55	1,860	SH		OTR	0	1,660	200	0
Industrial Select Sector SPDR	Com	81369Y704	1,081	12,208	SH		SOLE	0	12,208	0	0
Industrial Select Sector SPDR	Com	81369Y704	123	1,390	SH		OTR	0	1,300	0	90
Technology Select Sect SPDR	Com	81369Y803	2,658	20,444	SH		SOLE	0	20,183	162	99
Technology Select Sect SPDR	Com	81369Y803	349	2,687	SH		OTR	0	2,537	150	0
Real Estate Select Sect SPDR	Com	81369Y860	875	23,944	SH		SOLE	0	21,826	105	2,013
Real Estate Select Sect SPDR	Com	81369Y860	1,283	35,083	SH		OTR	0	34,912	46	125
Utilities Select Sector SPDR	Com	81369Y886	1,766	28,171	SH		SOLE	0	26,528	0	1,643
Utilities Select Sector SPDR	Com	81369Y886	917	14,618	SH		OTR	0	13,641	475	502
Skyworks Solutions Inc	Com	83088M102	275	1,800	SH		OTR	0	0	0	1,800
Southern Company	Com	842587107	1,161	18,900	SH		SOLE	0	18,900	0	0
Southern Company	Com	842587107	737	11,999	SH		OTR	0	11,874	0	125
Starbucks Corp	Com	855244109	151	1,416	SH		SOLE	0	1,416	0	0
Starbucks Corp	Com	855244109	531	4,960	SH		OTR	0	4,960	0	0
State Street Corp	Com	857477103	213	2,920	SH		SOLE	0	2,920	0	0
State Street Corp	Com	857477103	42	575	SH		OTR	0	575	0	0
Stericycle Inc	Com	858912108	222	3,205	SH		SOLE	0	3,205	0	0
Stericycle Inc	Com	858912108	123	1,775	SH		OTR	0	925	0	850
Stryker Corporation	Com	863667101	260	1,062	SH		SOLE	0	1,062	0	0
Sysco Corp	Com	871829107	381	5,132	SH		SOLE	0	5,132	0	0
Sysco Corp	Com	871829107	492	6,624	SH		OTR	0	6,199	0	425
TJX Cos Inc	Com	872540109	2,582	37,808	SH		SOLE	0	36,208	300	1,300
TJX Cos Inc	Com	872540109	2,514	36,815	SH		OTR	0	32,271	340	4,204
Target Corp	Com	87612E106	3,734	21,152	SH		SOLE	0	20,877	0	275
Target Corp	Com	87612E106	2,461	13,942	SH		OTR	0	11,152	175	2,615
Thermo Fisher Scientific Inc	Com	883556102	7	16	SH		SOLE	0	16	0	0
Thermo Fisher Scientific Inc	Com	883556102	606	1,300	SH		OTR	0	0	0	1,300
3m CO	Com	88579Y101	1,845	10,556	SH		SOLE	0	9,596	340	620
3m CO	Com	88579Y101	290	1,660	SH		OTR	0	1,625	35	0
Truist Financial Corporation	Com	89832Q109	297	6,205	SH		SOLE	0	6,205	0	0
Truist Financial Corporation	Com	89832Q109	124	2,595	SH		OTR	0	2,595	0	0
US Bancorp New	Com	902973304	881	18,913	SH		SOLE	0	18,913	0	0
US Bancorp New	Com	902973304	390	8,365	SH		OTR	0	5,179	470	2,716
Union Pac Corp	Com	907818108	4,194	20,141	SH		SOLE	0	19,183	0	958
Union Pac Corp	Com	907818108	3,607	17,323	SH		OTR	0	15,558	0	1,765
United Parcel Service Cl B	Com	911312106	677	4,022	SH		SOLE	0	4,022	0	0
United Parcel Service Cl B	Com	911312106	331	1,964	SH		OTR	0	1,964	0	0
Unitedhealth Group Inc	Com	91324P102	3,088	8,806	SH		SOLE	0	8,606	0	200
Unitedhealth Group Inc	Com	91324P102	1,812	5,167	SH		OTR	0	4,142	130	895
Univest Corp of Pennsylvania	Com	915271100	243	11,812	SH		OTR	0	11,812	0	0
V.F. Corp	Com	918204108	166	1,941	SH		SOLE	0	1,941	0	0
V.F. Corp	Com	918204108	44	513	SH		OTR	0	513	0	0
Vaneck Vectors Agribusiness ET	Com	92189F700	1,011	12,981	SH		SOLE	0	12,181	50	750
Vaneck Vectors Agribusiness ET	Com	92189F700	878	11,273	SH		OTR	0	11,048	125	100
Vanguard Intermediate-Term Bon	Com	921937819	371	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	520	5,891	SH		SOLE	0	5,891	0	0
Vanguard FTSE Developed Market	Com	921943858	130	2,750	SH		SOLE	0	2,750	0	0
Vanguard FTSE Developed Market	Com	921943858	164	3,475	SH		OTR	0	3,475	0	0
Vanguard High Dividend Yield E	Com	921946406	113	1,240	SH		SOLE	0	1,240	0	0
Vanguard High Dividend Yield E	Com	921946406	101	1,107	SH		OTR	0	1,107	0	0
Vanguard Ftse Emerging Markets	Com	922042858	1,539	30,711	SH		SOLE	0	30,711	0	0
Vanguard Ftse Emerging Markets	Com	922042858	499	9,958	SH		OTR	0	9,458	0	500
Vanguard Inter Term Corp Bond	Com	92206C870	1,375	14,156	SH		SOLE	0	14,156	0	0
Vanguard Inter Term Corp Bond	Com	92206C870	1,727	17,778	SH		OTR	0	17,778	0	0
Varian Medical Systems Inc	Com	92220P105	75	427	SH		SOLE	0	427	0	0
Varian Medical Systems Inc	Com	92220P105	126	720	SH		OTR	0	720	0	0
Vanguard S&P 500 ETF	Com	922908363	8,785	25,560	SH		SOLE	0	25,373	0	187
Vanguard Mid-Cap Value Index F	Com	922908512	272	2,284	SH		SOLE	0	2,284	0	0
Vanguard Real Estate ETF	Com	922908553	948	11,157	SH		SOLE	0	11,157	0	0
Vanguard Real Estate ETF	Com	922908553	478	5,629	SH		OTR	0	5,290	239	100
Vanguard Index Fund Mid-Cap	Com	922908629	133	644	SH		SOLE	0	644	0	0
Vanguard Index Fund Mid-Cap	Com	922908629	85	410	SH		OTR	0	410	0	0
Veoneer Incorporated Com	Com	92336X109	228	10,712	SH		SOLE	0	9,521	0	1,191
Veoneer Incorporated Com	Com	92336X109	264	12,394	SH		OTR	0	12,394	0	0
Verizon Communications	Com	92343V104	3,552	60,465	SH		SOLE	0	56,200	860	3,405
Verizon Communications	Com	92343V104	2,386	40,608	SH		OTR	0	35,182	225	5,201
Viacomcbs Inc Class B	Com	92556H206	12	325	SH		SOLE	0	325	0	0
Viacomcbs Inc Class B	Com	92556H206	242	6,500	SH		OTR	0	6,500	0	0
Visa Inc Cl A	Com	92826C839	1,823	8,336	SH		SOLE	0	8,336	0	0
Visa Inc Cl A	Com	92826C839	1,474	6,740	SH		OTR	0	5,540	100	1,100
Wal Mart Inc	Com	931142103	2,065	14,324	SH		SOLE	0	13,924	0	400
Wal Mart Inc	Com	931142103	1,686	11,694	SH		OTR	0	10,078	350	1,266
Walgreens Boots Alliance Inc	Com	931427108	212	5,307	SH		SOLE	0	5,307	0	0
Walgreens Boots Alliance Inc	Com	931427108	54	1,345	SH		OTR	0	745	0	600
Waste Management Inc	Com	94106L109	68	575	SH		SOLE	0	575	0	0
Waste Management Inc	Com	94106L109	142	1,200	SH		OTR	0	1,200	0	0
Wells Fargo & CO	Com	949746101	940	31,132	SH		SOLE	0	30,732	0	400
Wells Fargo & CO	Com	949746101	498	16,513	SH		OTR	0	13,458	755	2,300
WisdomTree MidCap Dividend ETF	Com	97717W505	1,827	52,497	SH		SOLE	0	51,719	0	778
WisdomTree MidCap Dividend ETF	Com	97717W505	219	6,303	SH		OTR	0	3,293	0	3,010
WisdomTree SmallCap Dividend E	Com	97717W604	553	20,779	SH		SOLE	0	20,646	0	133
WisdomTree SmallCap Dividend E	Com	97717W604	25	937	SH		OTR	0	937	0	0
Xcel Energy Inc	Com	98389B100	206	3,084	SH		SOLE	0	0	0	3,084
Xcel Energy Inc	Com	98389B100	167	2,500	SH		OTR	0	0	0	2,500
Xylem Inc	Com	98419M100	374	3,679	SH		SOLE	0	3,679	0	0
Xylem Inc	Com	98419M100	209	2,050	SH		OTR	0	2,050	0	0
Yum! Brands Inc	Com	988498101	405	3,731	SH		SOLE	0	3,731	0	0
Yum! Brands Inc	Com	988498101	88	814	SH		OTR	0	814	0	0
Zimmer Biomet Holdings Inc	Com	98956P102	475	3,082	SH		SOLE	0	2,752	60	270
Zimmer Biomet Holdings Inc	Com	98956P102	350	2,272	SH		OTR	0	2,192	0	80
Deutsche Bank Ag	Com	D18190898	109	10,000	SH		SOLE	0	10,000	0	0
Accenture PLC Cl A	Com	G1151C101	69	263	SH		SOLE	0	263	0	0
Accenture PLC Cl A	Com	G1151C101	340	1,300	SH		OTR	0	0	0	1,300
Eaton Corp PLC	Com	G29183103	497	4,136	SH		SOLE	0	4,136	0	0
Eaton Corp PLC	Com	G29183103	671	5,589	SH		OTR	0	4,514	0	1,075
Linde PLC	Com	G5494J103	1,704	6,468	SH		SOLE	0	6,468	0	0
Linde PLC	Com	G5494J103	909	3,449	SH		OTR	0	2,524	0	925
Medtronic PLC	Com	G5960L103	1,193	10,182	SH		SOLE	0	10,182	0	0
Medtronic PLC	Com	G5960L103	991	8,462	SH		OTR	0	8,391	71	0