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	1,839	60,764	SH		SOLE	0	58,428	175	2,161
AT&T Inc	Com	00206R102	1,458	48,183	SH		OTR	0	42,671	400	5,112
Abbott Labs	Com	002824100	6,397	53,381	SH		SOLE	0	52,781	0	600
Abbott Labs	Com	002824100	2,455	20,487	SH		OTR	0	18,851	616	1,020
Abbvie Inc	Com	00287Y109	2,517	23,259	SH		SOLE	0	22,959	0	300
Abbvie Inc	Com	00287Y109	1,897	17,527	SH		OTR	0	14,207	290	3,030
Activision Blizzard, Inc	Com	00507V109	932	10,022	SH		SOLE	0	10,022	0	0
Activision Blizzard, Inc	Com	00507V109	611	6,570	SH		OTR	0	6,570	0	0
Air Products & Chemicals Inc	Com	009158106	1,662	5,907	SH		SOLE	0	5,907	0	0
Air Products & Chemicals Inc	Com	009158106	506	1,800	SH		OTR	0	1,800	0	0
Allstate Corp	Com	020002101	50	435	SH		SOLE	0	435	0	0
Allstate Corp	Com	020002101	161	1,400	SH		OTR	0	1,400	0	0
Alphabet Inc Cl C	Com	02079K107	4,831	2,335	SH		SOLE	0	2,226	0	109
Alphabet Inc Cl C	Com	02079K107	4,454	2,153	SH		OTR	0	2,023	0	130
Alphabet Inc Cl A	Com	02079K305	3,713	1,800	SH		SOLE	0	1,761	0	39
Alphabet Inc Cl A	Com	02079K305	588	285	SH		OTR	0	170	0	115
Altria Group Inc	Com	02209S103	700	13,691	SH		SOLE	0	12,916	0	775
Altria Group Inc	Com	02209S103	1,704	33,317	SH		OTR	0	32,617	0	700
Amazon.Com Inc	Com	023135106	1,962	634	SH		SOLE	0	634	0	0
Amazon.Com Inc	Com	023135106	962	311	SH		OTR	0	251	0	60
American Express CO	Com	025816109	623	4,405	SH		SOLE	0	4,405	0	0
American Express CO	Com	025816109	213	1,506	SH		OTR	0	1,220	0	286
American Tower Corp REIT	Com	03027X100	131	550	SH		SOLE	0	550	0	0
American Tower Corp REIT	Com	03027X100	171	715	SH		OTR	0	715	0	0
American Water Works CO Inc	Com	030420103	1,527	10,185	SH		SOLE	0	10,185	0	0
American Water Works CO Inc	Com	030420103	1,178	7,855	SH		OTR	0	6,325	100	1,430
Amgen Inc	Com	031162100	663	2,665	SH		SOLE	0	2,665	0	0
Amgen Inc	Com	031162100	413	1,660	SH		OTR	0	1,660	0	0
Amplify CWP Enhanced Dividend	Com	032108409	137	3,990	SH		SOLE	0	3,990	0	0
Amplify CWP Enhanced Dividend	Com	032108409	69	2,000	SH		OTR	0	2,000	0	0
APA Corporation	Com	03743Q108	195	10,898	SH		SOLE	0	10,898	0	0
APA Corporation	Com	03743Q108	36	2,035	SH		OTR	0	1,935	100	0
Apple Inc	Com	037833100	19,243	157,532	SH		SOLE	0	142,798	360	14,374
Apple Inc	Com	037833100	10,974	89,842	SH		OTR	0	77,402	2,810	9,630
Arrow Finl Corp	Com	042744102	308	9,256	SH		SOLE	0	1,794	0	7,462
Arrow Finl Corp	Com	042744102	167	5,000	SH		OTR	0	5,000	0	0
Autoliv Inc	Com	052800109	908	9,780	SH		SOLE	0	8,736	0	1,044
Autoliv Inc	Com	052800109	997	10,746	SH		OTR	0	10,746	0	0
Automatic Data Processing Inc	Com	053015103	4,007	21,263	SH		SOLE	0	20,983	0	280
Automatic Data Processing Inc	Com	053015103	1,173	6,223	SH		OTR	0	5,603	140	480
BP PLC Spons ADR	Com	055622104	70	2,895	SH		SOLE	0	2,895	0	0
BP PLC Spons ADR	Com	055622104	159	6,530	SH		OTR	0	6,530	0	0
Bank of America Corp	Com	060505104	859	22,213	SH		SOLE	0	21,565	0	648
Bank of America Corp	Com	060505104	291	7,525	SH		OTR	0	7,525	0	0
Bank of New York Mellon Corp	Com	064058100	509	10,753	SH		SOLE	0	10,753	0	0
Bank of New York Mellon Corp	Com	064058100	40	838	SH		OTR	0	338	0	500
Baxter Intl Inc	Com	071813109	633	7,500	SH		SOLE	0	7,500	0	0
Baxter Intl Inc	Com	071813109	228	2,705	SH		OTR	0	1,145	100	1,460
Becton Dickinson	Com	075887109	311	1,281	SH		SOLE	0	1,281	0	0
Becton Dickinson	Com	075887109	257	1,057	SH		OTR	0	1,057	0	0
Berkshire Hathaway Inc-Cl B	Com	084670702	2,635	10,316	SH		SOLE	0	10,086	30	200
Berkshire Hathaway Inc-Cl B	Com	084670702	2,347	9,186	SH		OTR	0	9,168	18	0
Best Buy Company Inc	Com	086516101	485	4,222	SH		SOLE	0	4,222	0	0
Best Buy Company Inc	Com	086516101	45	395	SH		OTR	0	395	0	0
BHP Group Ltd Spons ADR	Com	088606108	239	3,439	SH		SOLE	0	3,239	0	200
BHP Group Ltd Spons ADR	Com	088606108	68	975	SH		OTR	0	925	0	50
Biogen Inc	Com	09062X103	70	250	SH		SOLE	0	250	0	0
Biogen Inc	Com	09062X103	190	680	SH		OTR	0	680	0	0
Blackrock Inc Cl A	Com	09247X101	31	41	SH		SOLE	0	41	0	0
Blackrock Inc Cl A	Com	09247X101	362	480	SH		OTR	0	80	0	400
Boeing CO	Com	097023105	1,477	5,800	SH		SOLE	0	5,565	0	235
Boeing CO	Com	097023105	2,249	8,830	SH		OTR	0	8,680	150	0
Bristol Myers Squibb CO	Com	110122108	3,928	62,228	SH		SOLE	0	59,413	695	2,120
Bristol Myers Squibb CO	Com	110122108	2,389	37,835	SH		OTR	0	31,795	250	5,790
Cigna Corp	Com	125523100	218	900	SH		SOLE	0	863	0	37
Cigna Corp	Com	125523100	18	73	SH		OTR	0	73	0	0
Csx Corp	Com	126408103	292	3,031	SH		SOLE	0	3,031	0	0
Csx Corp	Com	126408103	208	2,160	SH		OTR	0	2,160	0	0
CVS Health Corp	Com	126650100	2,878	38,256	SH		SOLE	0	37,073	0	1,183
CVS Health Corp	Com	126650100	1,620	21,531	SH		OTR	0	18,016	340	3,175
Carrier Global Corporation	Com	14448C104	1,055	24,995	SH		SOLE	0	24,025	100	870
Carrier Global Corporation	Com	14448C104	739	17,507	SH		OTR	0	14,271	1,186	2,050
Caterpillar Inc	Com	149123101	3,151	13,589	SH		SOLE	0	12,701	0	888
Caterpillar Inc	Com	149123101	2,449	10,562	SH		OTR	0	10,225	37	300
Chevron Corporation	Com	166764100	4,507	43,011	SH		SOLE	0	40,670	350	1,991
Chevron Corporation	Com	166764100	3,141	29,976	SH		OTR	0	28,271	375	1,330
Cisco Systems Inc	Com	17275R102	3,812	73,710	SH		SOLE	0	68,757	0	4,953
Cisco Systems Inc	Com	17275R102	2,495	48,259	SH		OTR	0	47,059	595	605
Citigroup Inc	Com	172967424	804	11,052	SH		SOLE	0	11,052	0	0
Citigroup Inc	Com	172967424	404	5,550	SH		OTR	0	5,400	150	0
Clorox Company	Com	189054109	1,031	5,343	SH		SOLE	0	5,343	0	0
Clorox Company	Com	189054109	537	2,785	SH		OTR	0	2,300	0	485
Coca Cola CO	Com	191216100	2,398	45,490	SH		SOLE	0	39,306	910	5,274
Coca Cola CO	Com	191216100	1,175	22,290	SH		OTR	0	17,070	150	5,070
Colgate Palmolive CO	Com	194162103	1,175	14,907	SH		SOLE	0	12,797	410	1,700
Colgate Palmolive CO	Com	194162103	608	7,710	SH		OTR	0	4,260	0	3,450
ComCast Corp-Cl A	Com	20030N101	1,192	22,032	SH		SOLE	0	19,758	0	2,274
ComCast Corp-Cl A	Com	20030N101	672	12,419	SH		OTR	0	10,246	650	1,523
Community Bank System Inc	Com	203607106	146	1,902	SH		SOLE	0	1,700	0	202
Community Bank System Inc	Com	203607106	77	1,000	SH		OTR	0	0	1,000	0
Conocophillips	Com	20825C104	484	9,143	SH		SOLE	0	9,043	100	0
Conocophillips	Com	20825C104	83	1,572	SH		OTR	0	1,322	100	150
Corning Inc	Com	219350105	668	15,361	SH		SOLE	0	15,361	0	0
Corning Inc	Com	219350105	489	11,250	SH		OTR	0	8,500	900	1,850
Corteva Inc Com	Com	22052L104	113	2,423	SH		SOLE	0	2,332	0	91
Corteva Inc Com	Com	22052L104	373	7,995	SH		OTR	0	7,767	0	228
Costco Wholesale Corp	Com	22160K105	614	1,742	SH		SOLE	0	1,742	0	0
Costco Wholesale Corp	Com	22160K105	509	1,444	SH		OTR	0	704	0	740
DTE Energy Co	Com	233331107	473	3,554	SH		SOLE	0	3,554	0	0
Danaher Corp	Com	235851102	4,658	20,693	SH		SOLE	0	18,593	0	2,100
Danaher Corp	Com	235851102	2,541	11,290	SH		OTR	0	9,848	135	1,307
Deere & CO	Com	244199105	3,397	9,079	SH		SOLE	0	8,391	25	663
Deere & CO	Com	244199105	4,098	10,954	SH		OTR	0	10,884	70	0
Dicks Sporting Goods Inc	Com	253393102	360	4,731	SH		SOLE	0	3,731	0	1,000
Dicks Sporting Goods Inc	Com	253393102	19	253	SH		OTR	0	253	0	0
Digital Realty Trust Inc REIT	Com	253868103	302	2,147	SH		SOLE	0	2,147	0	0
Disney Walt CO New	Com	254687106	6,424	34,814	SH		SOLE	0	33,481	0	1,333
Disney Walt CO New	Com	254687106	3,859	20,916	SH		OTR	0	19,581	565	770
Dominion Resources Inc	Com	25746U109	1,154	15,198	SH		SOLE	0	14,888	0	310
Dominion Resources Inc	Com	25746U109	753	9,915	SH		OTR	0	7,395	80	2,440
Dow Inc Com	Com	260557103	956	14,957	SH		SOLE	0	14,866	0	91
Dow Inc Com	Com	260557103	901	14,096	SH		OTR	0	12,322	16	1,758
Duke Energy Corp	Com	26441C204	341	3,535	SH		SOLE	0	3,250	285	0
Duke Energy Corp	Com	26441C204	140	1,450	SH		OTR	0	1,350	100	0
Dupont De Nemours Inc	Com	26614N102	1,165	15,080	SH		SOLE	0	14,989	0	91
Dupont De Nemours Inc	Com	26614N102	1,123	14,536	SH		OTR	0	13,250	316	970
Ecolab Inc	Com	278865100	1,545	7,215	SH		SOLE	0	7,215	0	0
Ecolab Inc	Com	278865100	667	3,115	SH		OTR	0	2,625	40	450
Emerson Elec CO	Com	291011104	1,061	11,764	SH		SOLE	0	11,764	0	0
Emerson Elec CO	Com	291011104	310	3,440	SH		OTR	0	3,340	100	0
Exelon Corp	Com	30161N101	180	4,105	SH		SOLE	0	4,105	0	0
Exelon Corp	Com	30161N101	115	2,640	SH		OTR	0	2,290	0	350
Exxonmobil Corp	Com	30231G102	4,824	86,408	SH		SOLE	0	82,472	790	3,146
Exxonmobil Corp	Com	30231G102	3,913	70,093	SH		OTR	0	66,493	635	2,965
Facebook Inc-A	Com	30303M102	1,566	5,317	SH		SOLE	0	5,317	0	0
Facebook Inc-A	Com	30303M102	1,325	4,499	SH		OTR	0	4,499	0	0
Fedex Corporation	Com	31428X106	235	826	SH		SOLE	0	826	0	0
Fedex Corporation	Com	31428X106	92	325	SH		OTR	0	325	0	0
Fiserv Inc	Com	337738108	556	4,674	SH		SOLE	0	4,674	0	0
Fiserv Inc	Com	337738108	104	874	SH		OTR	0	874	0	0
FlexShares Mstar Glbl Upstrm N	Com	33939L407	33,494	925,491	SH		SOLE	0	921,575	0	3,916
FlexShares Mstar Glbl Upstrm N	Com	33939L407	2,839	78,449	SH		OTR	0	75,497	340	2,612
FlexShares Global Quality Real	Com	33939L787	699	11,530	SH		SOLE	0	11,530	0	0
FlexShares Global Quality Real	Com	33939L787	1	20	SH		OTR	0	20	0	0
FlexShares STOXX Glbl Brd Infr	Com	33939L795	5,573	99,292	SH		SOLE	0	99,292	0	0
FlexShares STOXX Glbl Brd Infr	Com	33939L795	347	6,180	SH		OTR	0	5,930	0	250
FlexShares International Quali	Com	33939L837	793	30,880	SH		SOLE	0	30,880	0	0
FlexShares International Quali	Com	33939L837	73	2,850	SH		OTR	0	2,850	0	0
Fortive Corp	Com	34959J108	329	4,655	SH		SOLE	0	4,355	0	300
Fortive Corp	Com	34959J108	146	2,069	SH		OTR	0	1,225	50	794
General Dynamics Corp	Com	369550108	997	5,493	SH		SOLE	0	5,343	0	150
General Dynamics Corp	Com	369550108	152	835	SH		OTR	0	735	0	100
General Electric Corp	Com	369604103	502	38,229	SH		SOLE	0	35,396	0	2,833
General Electric Corp	Com	369604103	299	22,795	SH		OTR	0	22,720	0	75
General Mls Inc	Com	370334104	692	11,279	SH		SOLE	0	10,781	0	498
General Mls Inc	Com	370334104	445	7,255	SH		OTR	0	6,460	100	695
Genuine Parts CO	Com	372460105	224	1,935	SH		SOLE	0	1,935	0	0
Gilead Sciences Inc	Com	375558103	377	5,830	SH		SOLE	0	5,830	0	0
Gilead Sciences Inc	Com	375558103	290	4,480	SH		OTR	0	1,980	0	2,500
Glaxo Smithkline Spons ADR	Com	37733W105	291	8,143	SH		SOLE	0	7,918	0	225
Glaxo Smithkline Spons ADR	Com	37733W105	85	2,387	SH		OTR	0	1,582	55	750
Goldman Sachs Group Inc	Com	38141G104	1,336	4,086	SH		SOLE	0	4,066	20	0
Goldman Sachs Group Inc	Com	38141G104	1,287	3,935	SH		OTR	0	3,935	0	0
Grainger W W Inc	Com	384802104	1,407	3,510	SH		SOLE	0	3,510	0	0
Grainger W W Inc	Com	384802104	804	2,005	SH		OTR	0	1,125	100	780
Home Depot Inc	Com	437076102	1,262	4,135	SH		SOLE	0	3,719	0	416
Home Depot Inc	Com	437076102	1,726	5,655	SH		OTR	0	4,355	150	1,150
Honeywell International Inc	Com	438516106	3,923	18,071	SH		SOLE	0	17,156	0	915
Honeywell International Inc	Com	438516106	1,804	8,309	SH		OTR	0	5,685	300	2,324
Illinois Tool Wks Inc	Com	452308109	389	1,755	SH		SOLE	0	1,755	0	0
Illinois Tool Wks Inc	Com	452308109	100	450	SH		OTR	0	450	0	0
Intel Corp	Com	458140100	6,394	99,911	SH		SOLE	0	97,386	1,025	1,500
Intel Corp	Com	458140100	2,139	33,419	SH		OTR	0	29,744	1,425	2,250
Intercontinental Exchange Inc	Com	45866F104	760	6,805	SH		SOLE	0	6,805	0	0
Intercontinental Exchange Inc	Com	45866F104	136	1,215	SH		OTR	0	1,015	0	200
Intl. Business Machines Corp	Com	459200101	2,415	18,126	SH		SOLE	0	15,798	425	1,903
Intl. Business Machines Corp	Com	459200101	2,212	16,601	SH		OTR	0	15,018	0	1,583
Invesco SP 500 Low Volatility	Com	46138E354	203	3,493	SH		SOLE	0	3,493	0	0
Invesco Tr II Senior Loan ETF	Com	46138G508	96	4,350	SH		SOLE	0	4,350	0	0
Invesco Tr II Senior Loan ETF	Com	46138G508	174	7,875	SH		OTR	0	7,875	0	0
Ishares DJ Select Dividend ETF	Com	464287168	205	1,800	SH		SOLE	0	1,800	0	0
Ishares Barclays TIPS Bond ETF	Com	464287176	368	2,936	SH		SOLE	0	2,936	0	0
Ishares Core S&P 500 ETF	Com	464287200	224	562	SH		SOLE	0	562	0	0
Ishares Core Total U.S. Aggreg	Com	464287226	342	3,005	SH		SOLE	0	3,005	0	0
Ishares Msci Emerging Mkt ETF	Com	464287234	4,401	82,514	SH		SOLE	0	80,603	525	1,386
Ishares Msci Emerging Mkt ETF	Com	464287234	1,173	21,999	SH		OTR	0	20,949	200	850
Ishares Msci Eafe ETF	Com	464287465	3,840	50,616	SH		SOLE	0	47,846	0	2,770
Ishares Msci Eafe ETF	Com	464287465	1,131	14,909	SH		OTR	0	14,294	200	415
Ishares Core S&P Mid-Cap ETF	Com	464287507	1,853	7,120	SH		SOLE	0	7,120	0	0
Ishares Core S&P Mid-Cap ETF	Com	464287507	512	1,966	SH		OTR	0	1,766	0	200
Ishares Nasdaq Biotech ETF	Com	464287556	3,552	23,591	SH		SOLE	0	22,699	96	796
Ishares Nasdaq Biotech ETF	Com	464287556	2,181	14,485	SH		OTR	0	12,265	605	1,615
Ishares Tr Rus 1000 Val ETF	Com	464287598	208	1,375	SH		SOLE	0	1,375	0	0
Ishares S&P Midcap 400/Grwth E	Com	464287606	288	3,670	SH		SOLE	0	3,670	0	0
Ishares S&P Midcap 400/Grwth E	Com	464287606	171	2,180	SH		OTR	0	2,180	0	0
Ishares Russell 1000 Growth ET	Com	464287614	275	1,132	SH		SOLE	0	1,132	0	0
IShares Russell 1000 ETF	Com	464287622	209	935	SH		SOLE	0	935	0	0
Ishares Russell 2000 Value ETF	Com	464287630	311	1,952	SH		SOLE	0	1,952	0	0
Ishares Russell 2000 ETF	Com	464287655	6,483	29,341	SH		SOLE	0	27,821	0	1,520
Ishares Russell 2000 ETF	Com	464287655	812	3,673	SH		OTR	0	3,538	100	35
Ishares DJ US Telcom Sector ET	Com	464287713	997	30,833	SH		SOLE	0	30,833	0	0
Ishares DJ US Telcom Sector ET	Com	464287713	638	19,740	SH		OTR	0	19,540	200	0
Ishares Core S&P Small-Cap ETF	Com	464287804	533	4,909	SH		SOLE	0	4,909	0	0
Ishares Msci Eafe Small Cap ET	Com	464288273	4,376	60,910	SH		SOLE	0	60,900	0	10
Ishares Msci Eafe Small Cap ET	Com	464288273	438	6,095	SH		OTR	0	6,095	0	0
Ishares New York Muni Bond ETF	Com	464288323	979	16,967	SH		SOLE	0	16,967	0	0
Ishares IBoxx High Yield Corpo	Com	464288513	1,708	19,590	SH		SOLE	0	19,590	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	245	4,478	SH		SOLE	0	4,478	0	0
Ishares S&P Pref Stk ETF	Com	464288687	2,386	62,127	SH		SOLE	0	62,127	0	0
Ishares S&P Pref Stk ETF	Com	464288687	435	11,329	SH		OTR	0	7,349	0	3,980
Ishares MSCI EAFE Growth ETF	Com	464288885	19,544	194,546	SH		SOLE	0	192,823	0	1,723
Ishares MSCI EAFE Growth ETF	Com	464288885	1,390	13,840	SH		OTR	0	13,760	0	80
IShares Russell Top 200 Growth	Com	464289438	241	1,790	SH		SOLE	0	1,790	0	0
Ishares Aaa-A Rated Corp Bond	Com	46429B291	257	4,636	SH		SOLE	0	4,636	0	0
iShares Core High Dividend ETF	Com	46429B663	704	7,416	SH		SOLE	0	7,416	0	0
Ishares Core Msci Eafe ETF	Com	46432F842	9,570	132,818	SH		SOLE	0	132,763	0	55
Ishares Core Msci Eafe ETF	Com	46432F842	816	11,320	SH		OTR	0	11,320	0	0
Ishares Core Emerging Markets	Com	46434G103	5,436	84,456	SH		SOLE	0	84,456	0	0
Ishares Core Emerging Markets	Com	46434G103	999	15,525	SH		OTR	0	13,925	0	1,600
IShares Core Intnl Agg Bond ET	Com	46435G672	302	5,510	SH		SOLE	0	5,510	0	0
JP Morgan Chase & CO	Com	46625H100	9,990	65,625	SH		SOLE	0	63,724	112	1,789
JP Morgan Chase & CO	Com	46625H100	7,150	46,970	SH		OTR	0	39,870	590	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	116	898	SH		SOLE	0	898	0	0
Jacobs Engineering Group Inc	Com	469814107	385	2,975	SH		OTR	0	1,075	0	1,900
Johnson & Johnson	Com	478160104	10,114	61,538	SH		SOLE	0	55,738	150	5,650
Johnson & Johnson	Com	478160104	5,064	30,811	SH		OTR	0	26,886	310	3,615
Keycorp	Com	493267108	55	2,762	SH		SOLE	0	2,762	0	0
Keycorp	Com	493267108	166	8,300	SH		OTR	0	8,300	0	0
Kimberly Clark Corp	Com	494368103	537	3,865	SH		SOLE	0	3,865	0	0
Kimberly Clark Corp	Com	494368103	104	750	SH		OTR	0	750	0	0
Kraft Heinz CO	Com	500754106	214	5,354	SH		SOLE	0	5,354	0	0
Kraft Heinz CO	Com	500754106	283	7,081	SH		OTR	0	7,081	0	0
Lilly Eli & CO	Com	532457108	341	1,825	SH		SOLE	0	1,297	0	528
Lilly Eli & CO	Com	532457108	1,179	6,310	SH		OTR	0	5,285	0	1,025
Lockheed Martin Corp	Com	539830109	3,093	8,370	SH		SOLE	0	7,805	0	565
Lockheed Martin Corp	Com	539830109	862	2,333	SH		OTR	0	2,333	0	0
Lowes Cos Inc	Com	548661107	8,609	45,267	SH		SOLE	0	44,737	25	505
Lowes Cos Inc	Com	548661107	4,840	25,447	SH		OTR	0	24,122	325	1,000
Marsh & McLennan Companies Inc	Com	571748102	149	1,224	SH		SOLE	0	1,224	0	0
Marsh & McLennan Companies Inc	Com	571748102	52	425	SH		OTR	0	425	0	0
Marriott International Inc	Com	571903202	303	2,047	SH		SOLE	0	2,047	0	0
Mastercard Inc Cl A	Com	57636Q104	233	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	7,116	31,746	SH		SOLE	0	31,516	75	155
McDonalds Corp	Com	580135101	4,094	18,264	SH		OTR	0	17,396	238	630
Merck & CO Inc	Com	58933Y105	3,219	41,760	SH		SOLE	0	40,310	650	800
Merck & CO Inc	Com	58933Y105	1,595	20,684	SH		OTR	0	19,719	140	825
Metlife Inc	Com	59156R108	406	6,677	SH		SOLE	0	6,677	0	0
Metlife Inc	Com	59156R108	100	1,637	SH		OTR	0	1,226	111	300
Microsoft Corp	Com	594918104	17,041	72,277	SH		SOLE	0	68,974	215	3,088
Microsoft Corp	Com	594918104	8,907	37,780	SH		OTR	0	35,259	655	1,866
Microchip Technology Inc	Com	595017104	2,757	17,765	SH		SOLE	0	17,765	0	0
Microchip Technology Inc	Com	595017104	843	5,433	SH		OTR	0	4,508	150	775
Mondelez International Inc	Com	609207105	527	8,999	SH		SOLE	0	8,585	0	414
Mondelez International Inc	Com	609207105	1,090	18,617	SH		OTR	0	18,617	0	0
Morgan Stanley	Com	617446448	240	3,091	SH		SOLE	0	3,091	0	0
Morgan Stanley	Com	617446448	8	100	SH		OTR	0	100	0	0
NBT Bancorp Inc	Com	628778102	7,114	178,304	SH		SOLE	0	81,642	0	96,662
NBT Bancorp Inc	Com	628778102	765	19,167	SH		OTR	0	15,901	0	3,266
Netflix Inc	Com	64110L106	384	737	SH		SOLE	0	737	0	0
Nextera Energy Inc	Com	65339F101	2,487	32,895	SH		SOLE	0	31,095	0	1,800
Nextera Energy Inc	Com	65339F101	2,027	26,808	SH		OTR	0	15,618	120	11,070
Nike Inc-Class B	Com	654106103	2,748	20,680	SH		SOLE	0	20,680	0	0
Nike Inc-Class B	Com	654106103	920	6,925	SH		OTR	0	6,925	0	0
Norfolk Southern Corp	Com	655844108	1,325	4,934	SH		SOLE	0	4,934	0	0
Norfolk Southern Corp	Com	655844108	1,798	6,696	SH		OTR	0	4,331	70	2,295
Novartis Ag Spons ADR	Com	66987V109	1,217	14,233	SH		SOLE	0	14,083	0	150
Novartis Ag Spons ADR	Com	66987V109	775	9,063	SH		OTR	0	8,963	100	0
Nucor Corp	Com	670346105	880	10,959	SH		SOLE	0	10,959	0	0
Nucor Corp	Com	670346105	468	5,825	SH		OTR	0	4,375	0	1,450
Nvidia Corp	Com	67066G104	649	1,216	SH		SOLE	0	1,075	0	141
Nvidia Corp	Com	67066G104	59	110	SH		OTR	0	110	0	0
O'Reilly Automotive Inc	Com	67103H107	304	600	SH		SOLE	0	600	0	0
Oracle Corporation	Com	68389X105	2,812	40,077	SH		SOLE	0	38,577	0	1,500
Oracle Corporation	Com	68389X105	757	10,785	SH		OTR	0	8,085	0	2,700
Otis Worldwide Corp	Com	68902V107	842	12,295	SH		SOLE	0	11,810	50	435
Otis Worldwide Corp	Com	68902V107	519	7,575	SH		OTR	0	6,757	593	225
Paypal Holdings Inc	Com	70450Y103	400	1,647	SH		SOLE	0	1,407	0	240
Paypal Holdings Inc	Com	70450Y103	690	2,840	SH		OTR	0	990	0	1,850
Pepsico Inc	Com	713448108	6,346	44,867	SH		SOLE	0	44,194	100	573
Pepsico Inc	Com	713448108	2,889	20,422	SH		OTR	0	19,267	345	810
Pfizer Inc	Com	717081103	4,084	112,728	SH		SOLE	0	108,207	0	4,521
Pfizer Inc	Com	717081103	2,236	61,727	SH		OTR	0	57,478	1,385	2,864
Philip Morris International	Com	718172109	796	8,971	SH		SOLE	0	8,296	0	675
Philip Morris International	Com	718172109	2,310	26,027	SH		OTR	0	26,027	0	0
T Rowe Price Group Inc	Com	74144T108	4,306	25,091	SH		SOLE	0	25,041	50	0
T Rowe Price Group Inc	Com	74144T108	2,583	15,050	SH		OTR	0	14,570	295	185
Procter & Gamble CO	Com	742718109	8,773	64,779	SH		SOLE	0	59,831	425	4,523
Procter & Gamble CO	Com	742718109	4,800	35,441	SH		OTR	0	30,981	380	4,080
Prudential Finl Inc	Com	744320102	1,268	13,916	SH		SOLE	0	13,866	50	0
Prudential Finl Inc	Com	744320102	1,155	12,677	SH		OTR	0	12,327	150	200
Public Service Enterprise Grou	Com	744573106	155	2,572	SH		SOLE	0	2,572	0	0
Public Service Enterprise Grou	Com	744573106	154	2,550	SH		OTR	0	2,550	0	0
Qualcomm Inc	Com	747525103	3,323	25,063	SH		SOLE	0	24,638	0	425
Qualcomm Inc	Com	747525103	1,773	13,369	SH		OTR	0	12,644	225	500
Quanta Services Incorporated	Com	74762E102	594	6,750	SH		OTR	0	2,100	0	4,650
Raytheon Technologies Corp	Com	75513E101	3,085	39,929	SH		SOLE	0	38,959	100	870
Raytheon Technologies Corp	Com	75513E101	2,224	28,786	SH		OTR	0	24,795	1,186	2,805
Rockwell Automation Inc	Com	773903109	141	530	SH		SOLE	0	530	0	0
Rockwell Automation Inc	Com	773903109	66	250	SH		OTR	0	250	0	0
Royal Dutch Shell PLC Spons AD	Com	780259107	206	5,600	SH		OTR	0	2,000	0	3,600
S&P Global Inc	Com	78409V104	600	1,700	SH		OTR	0	0	0	1,700
SPDR S&P 500 ETF Trust	Com	78462F103	5,145	12,981	SH		SOLE	0	12,332	0	649
SPDR S&P 500 ETF Trust	Com	78462F103	727	1,835	SH		OTR	0	1,475	160	200
SPDR Gold Trust	Com	78463V107	274	1,713	SH		SOLE	0	1,613	0	100
SPDR Gold Trust	Com	78463V107	8	50	SH		OTR	0	50	0	0
SPDR Portfolio Emerging Market	Com	78463X509	376	8,594	SH		SOLE	0	8,594	0	0
SPDR Portfolio Developed Wld e	Com	78463X889	3,819	108,016	SH		SOLE	0	108,016	0	0
SPDR Portfolio Developed Wld e	Com	78463X889	1,070	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	711	19,609	SH		SOLE	0	19,609	0	0
SPDR S&P Regional Banking ETF	Com	78464A698	2,231	33,626	SH		SOLE	0	33,126	0	500
SPDR S&P Regional Banking ETF	Com	78464A698	1,420	21,412	SH		OTR	0	21,212	100	100
SPDR S&P Dividend ETF	Com	78464A763	9,980	84,559	SH		SOLE	0	84,559	0	0
SPDR S&P Dividend ETF	Com	78464A763	927	7,850	SH		OTR	0	7,450	0	400
SPDR S&P Bank ETF	Com	78464A797	161	3,096	SH		SOLE	0	3,096	0	0
SPDR S&P Bank ETF	Com	78464A797	43	830	SH		OTR	0	730	0	100
SPDR Dow Jones Industrial Aver	Com	78467X109	1,294	3,919	SH		SOLE	0	3,919	0	0
SPDR Dow Jones Industrial Aver	Com	78467X109	231	700	SH		OTR	0	600	0	100
Midcap SPDR Trust Series 1	Com	78467Y107	8,473	17,798	SH		SOLE	0	16,772	0	1,026
Midcap SPDR Trust Series 1	Com	78467Y107	906	1,903	SH		OTR	0	1,801	50	52
Salesforce.Com	Com	79466L302	1,934	9,128	SH		SOLE	0	8,968	20	140
Salesforce.Com	Com	79466L302	1,292	6,100	SH		OTR	0	6,100	0	0
Schlumberger Ltd	Com	806857108	725	26,681	SH		SOLE	0	25,866	0	815
Schlumberger Ltd	Com	806857108	404	14,875	SH		OTR	0	14,715	160	0
Charles Schwab Corp	Com	808513105	186	2,847	SH		SOLE	0	2,847	0	0
Charles Schwab Corp	Com	808513105	233	3,575	SH		OTR	0	3,575	0	0
Schwab US Small Cap ETF	Com	808524607	1,571	15,760	SH		SOLE	0	15,760	0	0
Schwab US Small Cap ETF	Com	808524607	97	975	SH		OTR	0	975	0	0
Schwab Fundamental Intl Lg Co	Com	808524755	257	8,015	SH		SOLE	0	8,015	0	0
Schwab US Dividend Equity ETF	Com	808524797	6,923	94,940	SH		SOLE	0	93,021	0	1,919
Schwab US Dividend Equity ETF	Com	808524797	1,178	16,150	SH		OTR	0	16,150	0	0
Schwab International Equity ET	Com	808524805	2,897	77,005	SH		SOLE	0	77,005	0	0
Schwab International Equity ET	Com	808524805	491	13,044	SH		OTR	0	12,379	0	665
Schwab US Aggregate Bd ETF	Com	808524839	777	14,401	SH		SOLE	0	14,401	0	0
Schwab US Aggregate Bd ETF	Com	808524839	1,452	26,919	SH		OTR	0	26,454	0	465
Materials Select SPDR Fund	Com	81369Y100	1,635	20,751	SH		SOLE	0	18,705	0	2,046
Materials Select SPDR Fund	Com	81369Y100	759	9,636	SH		OTR	0	8,816	375	445
Health Care Select Sector SPDR	Com	81369Y209	1,142	9,781	SH		SOLE	0	9,024	0	757
Health Care Select Sector SPDR	Com	81369Y209	18	150	SH		OTR	0	150	0	0
Consumer Staples Select Sector	Com	81369Y308	707	10,346	SH		SOLE	0	8,619	0	1,727
Consumer Staples Select Sector	Com	81369Y308	28	410	SH		OTR	0	130	100	180
Consumer Discretionary Selt	Com	81369Y407	1,719	10,227	SH		SOLE	0	8,397	0	1,830
Consumer Discretionary Selt	Com	81369Y407	192	1,145	SH		OTR	0	770	250	125
Energy Select Sector SPDR	Com	81369Y506	436	8,887	SH		SOLE	0	8,315	0	572
Energy Select Sector SPDR	Com	81369Y506	88	1,794	SH		OTR	0	1,574	80	140
Financial Select Sector SPDR	Com	81369Y605	1,086	31,896	SH		SOLE	0	29,207	0	2,689
Financial Select Sector SPDR	Com	81369Y605	63	1,860	SH		OTR	0	1,660	200	0
Industrial Select Sector SPDR	Com	81369Y704	1,262	12,821	SH		SOLE	0	12,449	0	372
Industrial Select Sector SPDR	Com	81369Y704	66	670	SH		OTR	0	580	0	90
Technology Select Sect SPDR	Com	81369Y803	2,680	20,178	SH		SOLE	0	19,917	162	99
Technology Select Sect SPDR	Com	81369Y803	228	1,720	SH		OTR	0	1,570	150	0
Real Estate Select Sect SPDR	Com	81369Y860	936	23,698	SH		SOLE	0	21,580	105	2,013
Real Estate Select Sect SPDR	Com	81369Y860	1,385	35,083	SH		OTR	0	34,912	46	125
Utilities Select Sector SPDR	Com	81369Y886	2,070	32,322	SH		SOLE	0	27,619	0	4,703
Utilities Select Sector SPDR	Com	81369Y886	1,007	15,726	SH		OTR	0	14,749	475	502
Simon Ppty Group Inc	Com	828806109	11	100	SH		SOLE	0	100	0	0
Simon Ppty Group Inc	Com	828806109	205	1,800	SH		OTR	0	1,800	0	0
Skyworks Solutions Inc	Com	83088M102	330	1,800	SH		OTR	0	0	0	1,800
Southern Company	Com	842587107	1,108	17,817	SH		SOLE	0	17,817	0	0
Southern Company	Com	842587107	681	10,949	SH		OTR	0	10,824	0	125
Starbucks Corp	Com	855244109	155	1,416	SH		SOLE	0	1,416	0	0
Starbucks Corp	Com	855244109	542	4,960	SH		OTR	0	4,960	0	0
State Street Corp	Com	857477103	235	2,795	SH		SOLE	0	2,795	0	0
State Street Corp	Com	857477103	48	575	SH		OTR	0	575	0	0
Stericycle Inc	Com	858912108	205	3,030	SH		SOLE	0	3,030	0	0
Stericycle Inc	Com	858912108	111	1,650	SH		OTR	0	800	0	850
Stryker Corporation	Com	863667101	253	1,037	SH		SOLE	0	1,037	0	0
Sysco Corp	Com	871829107	418	5,307	SH		SOLE	0	5,307	0	0
Sysco Corp	Com	871829107	506	6,424	SH		OTR	0	5,999	0	425
TJX Cos Inc	Com	872540109	2,499	37,781	SH		SOLE	0	36,181	300	1,300
TJX Cos Inc	Com	872540109	2,457	37,145	SH		OTR	0	32,601	340	4,204
Target Corp	Com	87612E106	3,643	18,395	SH		SOLE	0	18,120	0	275
Target Corp	Com	87612E106	2,751	13,887	SH		OTR	0	11,147	175	2,565
Texas Instruments Inc	Com	882508104	159	842	SH		SOLE	0	842	0	0
Texas Instruments Inc	Com	882508104	55	292	SH		OTR	0	160	0	132
Thermo Fisher Scientific Inc	Com	883556102	7	16	SH		SOLE	0	16	0	0
Thermo Fisher Scientific Inc	Com	883556102	525	1,150	SH		OTR	0	0	0	1,150
3m CO	Com	88579Y101	2,201	11,422	SH		SOLE	0	10,346	330	746
3m CO	Com	88579Y101	492	2,555	SH		OTR	0	1,950	235	370
Truist Financial Corporation	Com	89832Q109	402	6,898	SH		SOLE	0	6,495	0	403
Truist Financial Corporation	Com	89832Q109	162	2,775	SH		OTR	0	2,775	0	0
US Bancorp New	Com	902973304	995	17,983	SH		SOLE	0	17,983	0	0
US Bancorp New	Com	902973304	449	8,115	SH		OTR	0	4,929	470	2,716
Union Pac Corp	Com	907818108	4,413	20,020	SH		SOLE	0	19,112	0	908
Union Pac Corp	Com	907818108	3,816	17,313	SH		OTR	0	15,548	0	1,765
United Parcel Service Cl B	Com	911312106	679	3,996	SH		SOLE	0	3,996	0	0
United Parcel Service Cl B	Com	911312106	334	1,964	SH		OTR	0	1,964	0	0
Unitedhealth Group Inc	Com	91324P102	2,996	8,051	SH		SOLE	0	7,851	0	200
Unitedhealth Group Inc	Com	91324P102	1,922	5,167	SH		OTR	0	4,142	130	895
Univest Corp of Pennsylvania	Com	915271100	338	11,812	SH		OTR	0	11,812	0	0
Vaneck Vectors Agribusiness ET	Com	92189F700	1,144	13,042	SH		SOLE	0	12,197	50	795
Vaneck Vectors Agribusiness ET	Com	92189F700	989	11,273	SH		OTR	0	11,048	125	100
Vanguard Dividend Appreciation	Com	921908844	121	825	SH		SOLE	0	825	0	0
Vanguard Dividend Appreciation	Com	921908844	147	1,000	SH		OTR	0	1,000	0	0
Vanguard Intermediate-Term Bon	Com	921937819	355	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	499	5,891	SH		SOLE	0	5,891	0	0
Vanguard FTSE Developed Market	Com	921943858	135	2,750	SH		SOLE	0	2,750	0	0
Vanguard FTSE Developed Market	Com	921943858	171	3,475	SH		OTR	0	3,475	0	0
Vanguard High Dividend Yield E	Com	921946406	125	1,240	SH		SOLE	0	1,240	0	0
Vanguard High Dividend Yield E	Com	921946406	77	760	SH		OTR	0	760	0	0
Vanguard Ftse Emerging Markets	Com	922042858	1,692	32,516	SH		SOLE	0	32,516	0	0
Vanguard Ftse Emerging Markets	Com	922042858	516	9,923	SH		OTR	0	9,423	0	500
Vanguard Inter Term Corp Bond	Com	92206C870	1,031	11,081	SH		SOLE	0	11,081	0	0
Vanguard Inter Term Corp Bond	Com	92206C870	1,631	17,533	SH		OTR	0	17,533	0	0
Vanguard S&P 500 ETF	Com	922908363	9,312	25,560	SH		SOLE	0	25,373	0	187
Vanguard Mid-Cap Value Index F	Com	922908512	415	3,079	SH		SOLE	0	3,079	0	0
Vanguard Real Estate ETF	Com	922908553	1,066	11,607	SH		SOLE	0	11,607	0	0
Vanguard Real Estate ETF	Com	922908553	490	5,329	SH		OTR	0	4,990	239	100
Vanguard Index Fund Mid-Cap	Com	922908629	143	644	SH		SOLE	0	644	0	0
Vanguard Index Fund Mid-Cap	Com	922908629	91	410	SH		OTR	0	410	0	0
Veoneer Incorporated Com	Com	92336X109	233	9,521	SH		SOLE	0	9,521	0	0
Veoneer Incorporated Com	Com	92336X109	303	12,394	SH		OTR	0	12,394	0	0
Verizon Communications	Com	92343V104	3,517	60,477	SH		SOLE	0	56,242	830	3,405
Verizon Communications	Com	92343V104	2,250	38,698	SH		OTR	0	32,827	225	5,646
Viacomcbs Inc Class B	Com	92556H206	15	325	SH		SOLE	0	325	0	0
Viacomcbs Inc Class B	Com	92556H206	226	5,000	SH		OTR	0	5,000	0	0
Visa Inc Cl A	Com	92826C839	1,898	8,962	SH		SOLE	0	8,962	0	0
Visa Inc Cl A	Com	92826C839	1,730	8,170	SH		OTR	0	6,970	100	1,100
Wal Mart Inc	Com	931142103	1,996	14,694	SH		SOLE	0	14,294	0	400
Wal Mart Inc	Com	931142103	1,626	11,974	SH		OTR	0	10,358	350	1,266
Walgreens Boots Alliance Inc	Com	931427108	309	5,632	SH		SOLE	0	5,632	0	0
Walgreens Boots Alliance Inc	Com	931427108	56	1,020	SH		OTR	0	420	0	600
Waste Management Inc	Com	94106L109	74	575	SH		SOLE	0	575	0	0
Waste Management Inc	Com	94106L109	161	1,250	SH		OTR	0	1,250	0	0
Wells Fargo & CO	Com	949746101	1,254	32,097	SH		SOLE	0	31,151	0	946
Wells Fargo & CO	Com	949746101	535	13,693	SH		OTR	0	10,753	755	2,185
WisdomTree MidCap Dividend ETF	Com	97717W505	1,952	48,302	SH		SOLE	0	47,524	0	778
WisdomTree MidCap Dividend ETF	Com	97717W505	228	5,633	SH		OTR	0	2,623	0	3,010
WisdomTree SmallCap Dividend E	Com	97717W604	591	18,979	SH		SOLE	0	18,846	0	133
WisdomTree SmallCap Dividend E	Com	97717W604	15	482	SH		OTR	0	482	0	0
Xylem Inc	Com	98419M100	387	3,679	SH		SOLE	0	3,679	0	0
Xylem Inc	Com	98419M100	216	2,050	SH		OTR	0	2,050	0	0
Yum! Brands Inc	Com	988498101	386	3,569	SH		SOLE	0	3,569	0	0
Yum! Brands Inc	Com	988498101	88	814	SH		OTR	0	814	0	0
Zimmer Biomet Holdings Inc	Com	98956P102	493	3,082	SH		SOLE	0	2,752	60	270
Zimmer Biomet Holdings Inc	Com	98956P102	364	2,272	SH		OTR	0	2,192	0	80
Deutsche Bank Ag	Com	D18190898	120	10,000	SH		SOLE	0	10,000	0	0
Accenture PLC Cl A	Com	G1151C101	73	263	SH		SOLE	0	263	0	0
Accenture PLC Cl A	Com	G1151C101	359	1,300	SH		OTR	0	0	0	1,300
Eaton Corp PLC	Com	G29183103	562	4,061	SH		SOLE	0	4,061	0	0
Eaton Corp PLC	Com	G29183103	747	5,399	SH		OTR	0	4,324	0	1,075
Linde PLC	Com	G5494J103	1,798	6,418	SH		SOLE	0	6,418	0	0
Linde PLC	Com	G5494J103	966	3,449	SH		OTR	0	2,524	0	925
Medtronic PLC	Com	G5960L103	1,204	10,193	SH		SOLE	0	10,193	0	0
Medtronic PLC	Com	G5960L103	1,000	8,462	SH		OTR	0	8,391	71	0