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
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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	1,307	55,302	SH		SOLE	0	52,966	175	2,161
AT&T Inc	Com	00206R102	1,063	44,990	SH		OTR	0	39,678	400	4,912
Abbott Labs	Com	002824100	5,691	48,083	SH		SOLE	0	47,483	0	600
Abbott Labs	Com	002824100	2,302	19,453	SH		OTR	0	17,867	576	1,010
Abbvie Inc	Com	00287Y109	3,421	21,101	SH		SOLE	0	20,801	0	300
Abbvie Inc	Com	00287Y109	2,867	17,687	SH		OTR	0	14,327	330	3,030
Activision Blizzard, Inc	Com	00507V109	764	9,531	SH		SOLE	0	9,531	0	0
Activision Blizzard, Inc	Com	00507V109	561	7,000	SH		OTR	0	7,000	0	0
Air Products & Chemicals Inc	Com	009158106	1,387	5,548	SH		SOLE	0	5,548	0	0
Air Products & Chemicals Inc	Com	009158106	436	1,745	SH		OTR	0	1,745	0	0
Allstate Corp	Com	020002101	90	649	SH		SOLE	0	649	0	0
Allstate Corp	Com	020002101	277	2,000	SH		OTR	0	2,000	0	0
Alphabet Inc Cl C	Com	02079K107	5,773	2,067	SH		SOLE	0	1,977	0	90
Alphabet Inc Cl C	Com	02079K107	5,374	1,924	SH		OTR	0	1,794	0	130
Alphabet Inc Cl A	Com	02079K305	3,991	1,435	SH		SOLE	0	1,415	0	20
Alphabet Inc Cl A	Com	02079K305	865	311	SH		OTR	0	196	0	115
Altria Group Inc	Com	02209S103	668	12,784	SH		SOLE	0	12,009	0	775
Altria Group Inc	Com	02209S103	1,689	32,317	SH		OTR	0	31,617	0	700
Amazon.Com Inc	Com	023135106	1,940	595	SH		SOLE	0	595	0	0
Amazon.Com Inc	Com	023135106	1,079	331	SH		OTR	0	261	0	70
American Express CO	Com	025816109	809	4,326	SH		SOLE	0	4,326	0	0
American Express CO	Com	025816109	278	1,484	SH		OTR	0	1,198	0	286
American Tower Corp REIT	Com	03027X100	159	634	SH		SOLE	0	634	0	0
American Tower Corp REIT	Com	03027X100	179	711	SH		OTR	0	711	0	0
American Water Works CO Inc	Com	030420103	1,571	9,489	SH		SOLE	0	9,489	0	0
American Water Works CO Inc	Com	030420103	1,241	7,500	SH		OTR	0	5,970	100	1,430
Amgen Inc	Com	031162100	629	2,603	SH		SOLE	0	2,603	0	0
Amgen Inc	Com	031162100	299	1,235	SH		OTR	0	1,235	0	0
Amplify CWP Enhanced Dividend	Com	032108409	335	8,956	SH		SOLE	0	8,956	0	0
Amplify CWP Enhanced Dividend	Com	032108409	187	5,000	SH		OTR	0	5,000	0	0
APA Corporation	Com	03743Q108	404	9,778	SH		SOLE	0	9,778	0	0
APA Corporation	Com	03743Q108	76	1,835	SH		OTR	0	1,835	0	0
Apple Inc	Com	037833100	24,545	140,572	SH		SOLE	0	127,429	360	12,783
Apple Inc	Com	037833100	14,989	85,840	SH		OTR	0	74,400	2,420	9,020
Arrow Finl Corp	Com	042744102	253	7,801	SH		SOLE	0	1,847	0	5,954
Arrow Finl Corp	Com	042744102	167	5,150	SH		OTR	0	5,150	0	0
Autoliv Inc	Com	052800109	721	9,430	SH		SOLE	0	8,386	0	1,044
Autoliv Inc	Com	052800109	821	10,746	SH		OTR	0	10,746	0	0
Automatic Data Processing Inc	Com	053015103	4,584	20,144	SH		SOLE	0	19,864	0	280
Automatic Data Processing Inc	Com	053015103	1,319	5,796	SH		OTR	0	5,181	135	480
BP PLC Spons ADR	Com	055622104	105	3,564	SH		SOLE	0	3,564	0	0
BP PLC Spons ADR	Com	055622104	192	6,530	SH		OTR	0	6,530	0	0
Bank of America Corp	Com	060505104	885	21,466	SH		SOLE	0	20,818	0	648
Bank of America Corp	Com	060505104	271	6,570	SH		OTR	0	6,570	0	0
Bank of New York Mellon Corp	Com	064058100	522	10,523	SH		SOLE	0	10,523	0	0
Bank of New York Mellon Corp	Com	064058100	42	838	SH		OTR	0	338	0	500
Baxter Intl Inc	Com	071813109	548	7,070	SH		SOLE	0	7,070	0	0
Baxter Intl Inc	Com	071813109	210	2,705	SH		OTR	0	1,145	100	1,460
Becton Dickinson	Com	075887109	334	1,256	SH		SOLE	0	1,256	0	0
Becton Dickinson	Com	075887109	281	1,057	SH		OTR	0	1,057	0	0
Berkshire Hathaway Inc-Cl B	Com	084670702	3,333	9,443	SH		SOLE	0	9,213	30	200
Berkshire Hathaway Inc-Cl B	Com	084670702	2,841	8,051	SH		OTR	0	8,013	38	0
Best Buy Company Inc	Com	086516101	321	3,527	SH		SOLE	0	3,527	0	0
Best Buy Company Inc	Com	086516101	36	395	SH		OTR	0	395	0	0
BHP Group Ltd Spons ADR	Com	088606108	229	2,965	SH		SOLE	0	2,765	0	200
BHP Group Ltd Spons ADR	Com	088606108	78	1,015	SH		OTR	0	965	0	50
Blackrock Inc Cl A	Com	09247X101	34	44	SH		SOLE	0	44	0	0
Blackrock Inc Cl A	Com	09247X101	367	480	SH		OTR	0	80	0	400
Boeing CO	Com	097023105	1,446	7,551	SH		SOLE	0	7,351	0	200
Boeing CO	Com	097023105	1,734	9,057	SH		OTR	0	8,727	180	150
Bristol Myers Squibb CO	Com	110122108	4,062	55,617	SH		SOLE	0	52,802	695	2,120
Bristol Myers Squibb CO	Com	110122108	2,520	34,500	SH		OTR	0	28,460	350	5,690
Cigna Corp	Com	125523100	216	900	SH		SOLE	0	863	0	37
Cigna Corp	Com	125523100	17	73	SH		OTR	0	73	0	0
CME Group Inc.	Com	12572Q105	167	700	SH		SOLE	0	700	0	0
CME Group Inc.	Com	12572Q105	48	203	SH		OTR	0	163	40	0
Csx Corp	Com	126408103	314	8,388	SH		SOLE	0	8,388	0	0
Csx Corp	Com	126408103	243	6,480	SH		OTR	0	6,480	0	0
CVS Health Corp	Com	126650100	3,448	34,067	SH		SOLE	0	33,247	0	820
CVS Health Corp	Com	126650100	2,082	20,575	SH		OTR	0	17,104	390	3,081
Carrier Global Corporation	Com	14448C104	1,004	21,889	SH		SOLE	0	21,095	100	694
Carrier Global Corporation	Com	14448C104	748	16,312	SH		OTR	0	13,406	1,106	1,800
Caterpillar Inc	Com	149123101	2,796	12,549	SH		SOLE	0	11,661	0	888
Caterpillar Inc	Com	149123101	2,215	9,942	SH		OTR	0	9,605	37	300
Chevron Corporation	Com	166764100	6,621	40,662	SH		SOLE	0	38,447	350	1,865
Chevron Corporation	Com	166764100	4,848	29,774	SH		OTR	0	28,119	375	1,280
Cisco Systems Inc	Com	17275R102	3,955	70,934	SH		SOLE	0	67,041	0	3,893
Cisco Systems Inc	Com	17275R102	2,767	49,629	SH		OTR	0	47,884	715	1,030
Citigroup Inc	Com	172967424	575	10,761	SH		SOLE	0	10,761	0	0
Citigroup Inc	Com	172967424	286	5,350	SH		OTR	0	5,200	150	0
Clorox Company	Com	189054109	725	5,218	SH		SOLE	0	5,218	0	0
Clorox Company	Com	189054109	363	2,610	SH		OTR	0	2,125	0	485
Coca Cola CO	Com	191216100	2,679	43,212	SH		SOLE	0	37,318	910	4,984
Coca Cola CO	Com	191216100	1,140	18,385	SH		OTR	0	13,255	150	4,980
Colgate Palmolive CO	Com	194162103	985	12,996	SH		SOLE	0	11,136	410	1,450
Colgate Palmolive CO	Com	194162103	563	7,430	SH		OTR	0	3,980	0	3,450
ComCast Corp-Cl A	Com	20030N101	991	21,169	SH		SOLE	0	18,895	0	2,274
ComCast Corp-Cl A	Com	20030N101	514	10,979	SH		OTR	0	8,746	810	1,423
Conocophillips	Com	20825C104	816	8,161	SH		SOLE	0	8,061	100	0
Conocophillips	Com	20825C104	162	1,622	SH		OTR	0	1,322	150	150
Corning Inc	Com	219350105	542	14,676	SH		SOLE	0	14,676	0	0
Corning Inc	Com	219350105	378	10,250	SH		OTR	0	7,500	900	1,850
Corteva Inc Com	Com	22052L104	106	1,851	SH		SOLE	0	1,760	0	91
Corteva Inc Com	Com	22052L104	448	7,795	SH		OTR	0	7,567	0	228
Costco Wholesale Corp	Com	22160K105	953	1,655	SH		SOLE	0	1,655	0	0
Costco Wholesale Corp	Com	22160K105	701	1,218	SH		OTR	0	728	0	490
DTE Energy Co	Com	233331107	398	3,009	SH		SOLE	0	3,009	0	0
Danaher Corp	Com	235851102	5,030	17,149	SH		SOLE	0	15,189	0	1,960
Danaher Corp	Com	235851102	3,155	10,755	SH		OTR	0	9,563	135	1,057
Deere & CO	Com	244199105	2,648	6,374	SH		SOLE	0	5,686	25	663
Deere & CO	Com	244199105	4,494	10,818	SH		OTR	0	10,748	70	0
Dicks Sporting Goods Inc	Com	253393102	378	3,776	SH		SOLE	0	3,776	0	0
Dicks Sporting Goods Inc	Com	253393102	45	453	SH		OTR	0	453	0	0
Digital Realty Trust Inc REIT	Com	253868103	252	1,777	SH		SOLE	0	1,777	0	0
Disney Walt CO New	Com	254687106	4,439	32,364	SH		SOLE	0	31,181	0	1,183
Disney Walt CO New	Com	254687106	2,938	21,419	SH		OTR	0	20,094	600	725
Dominion Resources Inc	Com	25746U109	1,297	15,264	SH		SOLE	0	14,954	0	310
Dominion Resources Inc	Com	25746U109	723	8,505	SH		OTR	0	6,000	80	2,425
Dover Corp	Com	260003108	172	1,096	SH		SOLE	0	696	0	400
Dover Corp	Com	260003108	31	200	SH		OTR	0	200	0	0
Dow Inc Com	Com	260557103	967	15,170	SH		SOLE	0	15,079	0	91
Dow Inc Com	Com	260557103	1,261	19,783	SH		OTR	0	18,009	16	1,758
Duke Energy Corp	Com	26441C204	384	3,435	SH		SOLE	0	3,150	285	0
Duke Energy Corp	Com	26441C204	154	1,375	SH		OTR	0	1,275	100	0
Dupont De Nemours Inc	Com	26614N102	1,089	14,800	SH		SOLE	0	14,709	0	91
Dupont De Nemours Inc	Com	26614N102	1,014	13,778	SH		OTR	0	12,492	316	970
Ecolab Inc	Com	278865100	1,159	6,563	SH		SOLE	0	6,563	0	0
Ecolab Inc	Com	278865100	517	2,930	SH		OTR	0	2,440	40	450
Emerson Elec CO	Com	291011104	1,072	10,929	SH		SOLE	0	10,929	0	0
Emerson Elec CO	Com	291011104	332	3,390	SH		OTR	0	3,190	200	0
Exelon Corp	Com	30161N101	176	3,691	SH		SOLE	0	3,691	0	0
Exelon Corp	Com	30161N101	126	2,638	SH		OTR	0	2,288	0	350
Exxonmobil Corp	Com	30231G102	6,646	80,473	SH		SOLE	0	76,537	790	3,146
Exxonmobil Corp	Com	30231G102	5,619	68,030	SH		OTR	0	64,425	660	2,945
Meta Platforms Inc	Com	30303M102	1,255	5,646	SH		SOLE	0	5,646	0	0
Meta Platforms Inc	Com	30303M102	922	4,145	SH		OTR	0	4,145	0	0
Fedex Corporation	Com	31428X106	189	816	SH		SOLE	0	816	0	0
Fedex Corporation	Com	31428X106	52	225	SH		OTR	0	225	0	0
Fiserv Inc	Com	337738108	461	4,544	SH		SOLE	0	4,544	0	0
Fiserv Inc	Com	337738108	89	874	SH		OTR	0	874	0	0
FlexShares Mstar Glbl Upstrm N	Com	33939L407	50,952	1,088,029	SH		SOLE	0	1,084,243	0	3,786
FlexShares Mstar Glbl Upstrm N	Com	33939L407	4,350	92,879	SH		OTR	0	89,927	340	2,612
FlexShares Global Quality Real	Com	33939L787	816	11,610	SH		SOLE	0	11,610	0	0
FlexShares Global Quality Real	Com	33939L787	1	20	SH		OTR	0	20	0	0
FlexShares STOXX Glbl Brd Infr	Com	33939L795	7,564	131,734	SH		SOLE	0	131,734	0	0
FlexShares STOXX Glbl Brd Infr	Com	33939L795	930	16,205	SH		OTR	0	15,732	0	473
FlexShares International Quali	Com	33939L837	736	30,840	SH		SOLE	0	30,840	0	0
FlexShares International Quali	Com	33939L837	72	3,020	SH		OTR	0	3,020	0	0
Fortive Corp	Com	34959J108	276	4,528	SH		SOLE	0	4,228	0	300
Fortive Corp	Com	34959J108	116	1,899	SH		OTR	0	1,055	50	794
Freeport-McMoran Inc	Com	35671D857	165	3,325	SH		SOLE	0	3,325	0	0
Freeport-McMoran Inc	Com	35671D857	126	2,525	SH		OTR	0	800	0	1,725
General Dynamics Corp	Com	369550108	1,220	5,060	SH		SOLE	0	4,910	0	150
General Dynamics Corp	Com	369550108	209	865	SH		OTR	0	765	0	100
General Mls Inc	Com	370334104	745	10,999	SH		SOLE	0	10,501	0	498
General Mls Inc	Com	370334104	485	7,155	SH		OTR	0	6,360	100	695
Gilead Sciences Inc	Com	375558103	312	5,245	SH		SOLE	0	5,245	0	0
Gilead Sciences Inc	Com	375558103	263	4,423	SH		OTR	0	1,863	60	2,500
Glaxo Smithkline Spons ADR	Com	37733W105	289	6,631	SH		SOLE	0	6,481	0	150
Glaxo Smithkline Spons ADR	Com	37733W105	87	1,987	SH		OTR	0	1,182	55	750
Global X US Preferred ETF	Com	37954Y657	282	12,000	SH		OTR	0	12,000	0	0
Goldman Sachs Group Inc	Com	38141G104	1,195	3,619	SH		SOLE	0	3,599	20	0
Goldman Sachs Group Inc	Com	38141G104	1,332	4,035	SH		OTR	0	4,020	15	0
Grainger W W Inc	Com	384802104	1,714	3,323	SH		SOLE	0	3,323	0	0
Grainger W W Inc	Com	384802104	944	1,830	SH		OTR	0	950	100	780
Home Depot Inc	Com	437076102	983	3,284	SH		SOLE	0	3,284	0	0
Home Depot Inc	Com	437076102	1,566	5,231	SH		OTR	0	4,131	150	950
Honeywell International Inc	Com	438516106	3,368	17,307	SH		SOLE	0	16,392	0	915
Honeywell International Inc	Com	438516106	1,503	7,724	SH		OTR	0	5,495	300	1,929
Illinois Tool Wks Inc	Com	452308109	359	1,716	SH		SOLE	0	1,716	0	0
Illinois Tool Wks Inc	Com	452308109	79	375	SH		OTR	0	375	0	0
Intel Corp	Com	458140100	4,655	93,935	SH		SOLE	0	91,410	1,025	1,500
Intel Corp	Com	458140100	1,600	32,276	SH		OTR	0	29,386	1,540	1,350
Intercontinental Exchange Inc	Com	45866F104	820	6,208	SH		SOLE	0	6,208	0	0
Intercontinental Exchange Inc	Com	45866F104	169	1,278	SH		OTR	0	1,113	0	165
Intl. Business Machines Corp	Com	459200101	2,277	17,509	SH		SOLE	0	15,426	430	1,653
Intl. Business Machines Corp	Com	459200101	2,186	16,814	SH		OTR	0	15,231	0	1,583
Invesco SP 500 Low Volatility	Com	46138E354	234	3,493	SH		SOLE	0	3,493	0	0
Ishares Barclays TIPS Bond ETF	Com	464287176	390	3,128	SH		SOLE	0	3,128	0	0
Ishares Core S&P 500 ETF	Com	464287200	268	590	SH		SOLE	0	590	0	0
Ishares Core Total U.S. Aggreg	Com	464287226	338	3,155	SH		SOLE	0	3,155	0	0
Ishares Msci Emerging Mkt ETF	Com	464287234	3,495	77,400	SH		SOLE	0	76,384	525	491
Ishares Msci Emerging Mkt ETF	Com	464287234	1,010	22,360	SH		OTR	0	20,949	561	850
Ishares Msci Eafe ETF	Com	464287465	3,544	48,151	SH		SOLE	0	47,161	0	990
Ishares Msci Eafe ETF	Com	464287465	1,203	16,339	SH		OTR	0	15,649	200	490
Ishares Core S&P Mid-Cap ETF	Com	464287507	1,769	6,593	SH		SOLE	0	6,593	0	0
Ishares Core S&P Mid-Cap ETF	Com	464287507	513	1,911	SH		OTR	0	1,766	0	145
Ishares Nasdaq Biotech ETF	Com	464287556	2,959	22,708	SH		SOLE	0	22,120	96	492
Ishares Nasdaq Biotech ETF	Com	464287556	1,857	14,252	SH		OTR	0	12,115	540	1,597
Ishares Tr Rus 1000 Val ETF	Com	464287598	228	1,375	SH		SOLE	0	1,375	0	0
Ishares S&P Midcap 400/Grwth E	Com	464287606	295	3,816	SH		SOLE	0	3,816	0	0
Ishares S&P Midcap 400/Grwth E	Com	464287606	168	2,180	SH		OTR	0	2,180	0	0
Ishares Russell 1000 Growth ET	Com	464287614	305	1,097	SH		SOLE	0	1,097	0	0
IShares Russell 1000 ETF	Com	464287622	234	935	SH		SOLE	0	935	0	0
Ishares Russell 2000 Value ETF	Com	464287630	315	1,952	SH		SOLE	0	1,952	0	0
Ishares Russell 2000 Value ETF	Com	464287630	30	185	SH		OTR	0	0	185	0
Ishares Russell 2000 ETF	Com	464287655	5,791	28,211	SH		SOLE	0	26,929	0	1,282
Ishares Russell 2000 ETF	Com	464287655	800	3,896	SH		OTR	0	3,761	100	35
Ishares DJ US Telcom Sector ET	Com	464287713	894	29,909	SH		SOLE	0	29,909	0	0
Ishares DJ US Telcom Sector ET	Com	464287713	590	19,740	SH		OTR	0	19,540	200	0
Ishares Core S&P Small-Cap ETF	Com	464287804	557	5,159	SH		SOLE	0	5,159	0	0
Ishares Msci Eafe Small Cap ET	Com	464288273	4,174	62,911	SH		SOLE	0	62,901	0	10
Ishares Msci Eafe Small Cap ET	Com	464288273	434	6,546	SH		OTR	0	6,546	0	0
Ishares New York Muni Bond ETF	Com	464288323	953	17,467	SH		SOLE	0	17,467	0	0
Ishares IBoxx High Yield Corpo	Com	464288513	2,402	29,186	SH		SOLE	0	29,186	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	350	6,763	SH		SOLE	0	6,763	0	0
Ishares S&P Pref Stk ETF	Com	464288687	2,447	67,198	SH		SOLE	0	67,198	0	0
Ishares S&P Pref Stk ETF	Com	464288687	375	10,304	SH		OTR	0	6,324	0	3,980
Ishares MSCI EAFE Growth ETF	Com	464288885	18,714	194,393	SH		SOLE	0	192,740	0	1,653
Ishares MSCI EAFE Growth ETF	Com	464288885	1,501	15,596	SH		OTR	0	15,516	0	80
IShares Russell Top 200 Growth	Com	464289438	275	1,730	SH		SOLE	0	1,730	0	0
iShares Core High Dividend ETF	Com	46429B663	920	8,606	SH		SOLE	0	8,606	0	0
IShares 0-5 Yr TIPs ETF	Com	46429B747	1,047	9,975	SH		SOLE	0	9,975	0	0
IShares 0-5 Yr TIPs ETF	Com	46429B747	814	7,761	SH		OTR	0	7,761	0	0
Ishares Core Msci Eafe ETF	Com	46432F842	10,228	147,140	SH		SOLE	0	147,085	0	55
Ishares Core Msci Eafe ETF	Com	46432F842	903	12,990	SH		OTR	0	12,990	0	0
Ishares Core Emerging Markets	Com	46434G103	5,567	100,221	SH		SOLE	0	100,221	0	0
Ishares Core Emerging Markets	Com	46434G103	1,062	19,112	SH		OTR	0	17,512	0	1,600
IShares Core Intnl Agg Bond ET	Com	46435G672	457	8,762	SH		SOLE	0	8,762	0	0
JP Morgan Chase & CO	Com	46625H100	7,948	58,307	SH		SOLE	0	56,755	112	1,440
JP Morgan Chase & CO	Com	46625H100	5,993	43,963	SH		OTR	0	37,074	585	6,304
JPMorgan Municipal ETF	Com	46641Q647	173	3,365	SH		SOLE	0	3,365	0	0
JPMorgan Municipal ETF	Com	46641Q647	131	2,545	SH		OTR	0	2,545	0	0
JPMorgan Ultra-Short Income ET	Com	46641Q837	68	1,345	SH		SOLE	0	1,345	0	0
JPMorgan Ultra-Short Income ET	Com	46641Q837	151	3,000	SH		OTR	0	0	0	3,000
Jacobs Engineering Group Inc	Com	469814107	410	2,975	SH		OTR	0	1,075	0	1,900
Johnson & Johnson	Com	478160104	10,178	57,431	SH		SOLE	0	51,836	150	5,445
Johnson & Johnson	Com	478160104	5,245	29,592	SH		OTR	0	25,854	275	3,463
Kimberly Clark Corp	Com	494368103	473	3,838	SH		SOLE	0	3,838	0	0
Kimberly Clark Corp	Com	494368103	49	400	SH		OTR	0	400	0	0
Kraft Heinz CO	Com	500754106	194	4,915	SH		SOLE	0	4,915	0	0
Kraft Heinz CO	Com	500754106	279	7,081	SH		OTR	0	7,081	0	0
Lilly Eli & CO	Com	532457108	497	1,734	SH		SOLE	0	1,206	0	528
Lilly Eli & CO	Com	532457108	1,814	6,335	SH		OTR	0	5,285	25	1,025
Lockheed Martin Corp	Com	539830109	3,369	7,632	SH		SOLE	0	7,117	0	515
Lockheed Martin Corp	Com	539830109	1,017	2,305	SH		OTR	0	2,305	0	0
Lowes Cos Inc	Com	548661107	8,209	40,602	SH		SOLE	0	40,072	25	505
Lowes Cos Inc	Com	548661107	4,719	23,341	SH		OTR	0	22,282	350	709
Marsh & McLennan Companies Inc	Com	571748102	217	1,272	SH		SOLE	0	1,272	0	0
Marsh & McLennan Companies Inc	Com	571748102	89	525	SH		OTR	0	525	0	0
Marriott International Inc	Com	571903202	360	2,047	SH		SOLE	0	2,047	0	0
Mastercard Inc Cl A	Com	57636Q104	210	588	SH		SOLE	0	588	0	0
Mastercard Inc Cl A	Com	57636Q104	172	480	SH		OTR	0	480	0	0
McDonalds Corp	Com	580135101	7,476	30,231	SH		SOLE	0	30,001	75	155
McDonalds Corp	Com	580135101	4,312	17,437	SH		OTR	0	16,624	238	575
Merck & CO Inc	Com	58933Y105	3,295	40,161	SH		SOLE	0	38,711	650	800
Merck & CO Inc	Com	58933Y105	1,723	20,997	SH		OTR	0	19,347	300	1,350
Metlife Inc	Com	59156R108	436	6,197	SH		SOLE	0	6,197	0	0
Metlife Inc	Com	59156R108	113	1,611	SH		OTR	0	1,200	111	300
Microsoft Corp	Com	594918104	19,511	63,285	SH		SOLE	0	60,017	180	3,088
Microsoft Corp	Com	594918104	10,835	35,142	SH		OTR	0	32,781	710	1,651
Microchip Technology Inc	Com	595017104	2,474	32,919	SH		SOLE	0	32,919	0	0
Microchip Technology Inc	Com	595017104	794	10,570	SH		OTR	0	8,820	300	1,450
Mondelez International Inc	Com	609207105	544	8,659	SH		SOLE	0	8,245	0	414
Mondelez International Inc	Com	609207105	1,169	18,617	SH		OTR	0	18,617	0	0
Morgan Stanley	Com	617446448	234	2,682	SH		SOLE	0	2,682	0	0
Morgan Stanley	Com	617446448	22	250	SH		OTR	0	250	0	0
NBT Bancorp Inc	Com	628778102	7,025	194,427	SH		SOLE	0	142,201	2,500	49,726
NBT Bancorp Inc	Com	628778102	655	18,140	SH		OTR	0	14,874	0	3,266
Netflix Inc	Com	64110L106	257	687	SH		SOLE	0	687	0	0
Nextera Energy Inc	Com	65339F101	2,526	29,817	SH		SOLE	0	28,017	0	1,800
Nextera Energy Inc	Com	65339F101	2,050	24,196	SH		OTR	0	13,553	120	10,523
Nike Inc-Class B	Com	654106103	2,304	17,126	SH		SOLE	0	17,126	0	0
Nike Inc-Class B	Com	654106103	875	6,505	SH		OTR	0	6,505	0	0
Norfolk Southern Corp	Com	655844108	1,327	4,653	SH		SOLE	0	4,653	0	0
Norfolk Southern Corp	Com	655844108	1,878	6,586	SH		OTR	0	4,471	70	2,045
Novartis Ag Spons ADR	Com	66987V109	1,146	13,060	SH		SOLE	0	12,910	0	150
Novartis Ag Spons ADR	Com	66987V109	793	9,038	SH		OTR	0	8,938	100	0
Nucor Corp	Com	670346105	1,210	8,137	SH		SOLE	0	8,137	0	0
Nucor Corp	Com	670346105	539	3,625	SH		OTR	0	2,875	0	750
Nvidia Corp	Com	67066G104	1,095	4,012	SH		SOLE	0	4,012	0	0
Nvidia Corp	Com	67066G104	120	440	SH		OTR	0	440	0	0
O'Reilly Automotive Inc	Com	67103H107	308	450	SH		SOLE	0	450	0	0
Oracle Corporation	Com	68389X105	2,839	34,317	SH		SOLE	0	32,817	0	1,500
Oracle Corporation	Com	68389X105	881	10,655	SH		OTR	0	7,885	70	2,700
Otis Worldwide Corp	Com	68902V107	700	9,101	SH		SOLE	0	8,704	50	347
Otis Worldwide Corp	Com	68902V107	545	7,083	SH		OTR	0	6,430	553	100
Palo Alto Networks	Com	697435105	465	747	SH		SOLE	0	747	0	0
Palo Alto Networks	Com	697435105	302	485	SH		OTR	0	485	0	0
Paypal Holdings Inc	Com	70450Y103	162	1,405	SH		SOLE	0	1,405	0	0
Paypal Holdings Inc	Com	70450Y103	334	2,889	SH		OTR	0	1,039	0	1,850
Pepsico Inc	Com	713448108	6,998	41,810	SH		SOLE	0	41,137	100	573
Pepsico Inc	Com	713448108	3,195	19,091	SH		OTR	0	17,936	345	810
Pfizer Inc	Com	717081103	5,588	107,935	SH		SOLE	0	103,414	0	4,521
Pfizer Inc	Com	717081103	2,877	55,571	SH		OTR	0	51,322	1,385	2,864
Philip Morris International	Com	718172109	789	8,399	SH		SOLE	0	7,724	0	675
Philip Morris International	Com	718172109	2,290	24,377	SH		OTR	0	24,377	0	0
T Rowe Price Group Inc	Com	74144T108	3,466	22,924	SH		SOLE	0	22,874	50	0
T Rowe Price Group Inc	Com	74144T108	2,112	13,971	SH		OTR	0	13,491	295	185
Procter & Gamble CO	Com	742718109	9,348	61,181	SH		SOLE	0	56,233	425	4,523
Procter & Gamble CO	Com	742718109	5,249	34,353	SH		OTR	0	29,973	380	4,000
Prudential Finl Inc	Com	744320102	1,557	13,172	SH		SOLE	0	13,122	50	0
Prudential Finl Inc	Com	744320102	1,515	12,817	SH		OTR	0	12,467	150	200
Public Service Enterprise Grou	Com	744573106	107	1,522	SH		SOLE	0	1,522	0	0
Public Service Enterprise Grou	Com	744573106	179	2,550	SH		OTR	0	2,550	0	0
Qualcomm Inc	Com	747525103	3,695	24,179	SH		SOLE	0	23,754	0	425
Qualcomm Inc	Com	747525103	2,011	13,159	SH		OTR	0	12,434	225	500
Quanta Services Incorporated	Com	74762E102	888	6,750	SH		OTR	0	2,100	0	4,650
Raytheon Technologies Corp	Com	75513E101	3,710	37,451	SH		SOLE	0	36,481	100	870
Raytheon Technologies Corp	Com	75513E101	2,770	27,960	SH		OTR	0	23,969	1,186	2,805
Rockwell Automation Inc	Com	773903109	148	530	SH		SOLE	0	530	0	0
Rockwell Automation Inc	Com	773903109	70	250	SH		OTR	0	250	0	0
S&P Global Inc	Com	78409V104	656	1,600	SH		OTR	0	0	0	1,600
SPDR S&P 500 ETF Trust	Com	78462F103	5,372	11,894	SH		SOLE	0	11,480	0	414
SPDR S&P 500 ETF Trust	Com	78462F103	784	1,735	SH		OTR	0	1,415	160	160
SPDR Gold Trust	Com	78463V107	320	1,774	SH		SOLE	0	1,774	0	0
SPDR Gold Trust	Com	78463V107	9	50	SH		OTR	0	50	0	0
SPDR Portfolio Emerging Market	Com	78463X509	305	7,903	SH		SOLE	0	7,903	0	0
SPDR Portfolio Developed Wld e	Com	78463X889	3,550	103,556	SH		SOLE	0	103,556	0	0
SPDR Portfolio Developed Wld e	Com	78463X889	1,003	29,252	SH		OTR	0	29,252	0	0
SPDR Preferred Stock ETF	Com	78464A292	266	6,820	SH		SOLE	0	6,820	0	0
SPDR Portfolio Intermediate Te	Com	78464A375	670	19,609	SH		SOLE	0	19,609	0	0
SPDR S&P Regional Banking ETF	Com	78464A698	2,275	33,026	SH		SOLE	0	32,526	0	500
SPDR S&P Regional Banking ETF	Com	78464A698	1,476	21,422	SH		OTR	0	21,222	100	100
SPDR S&P Dividend ETF	Com	78464A763	10,569	82,503	SH		SOLE	0	82,503	0	0
SPDR S&P Dividend ETF	Com	78464A763	1,006	7,850	SH		OTR	0	7,450	0	400
SPDR S&P Bank ETF	Com	78464A797	160	3,062	SH		SOLE	0	3,062	0	0
SPDR S&P Bank ETF	Com	78464A797	43	830	SH		OTR	0	730	0	100
SPDR Dow Jones Industrial Aver	Com	78467X109	1,189	3,427	SH		SOLE	0	3,427	0	0
SPDR Dow Jones Industrial Aver	Com	78467X109	229	660	SH		OTR	0	560	0	100
Midcap SPDR Trust Series 1	Com	78467Y107	7,539	15,372	SH		SOLE	0	14,546	0	826
Midcap SPDR Trust Series 1	Com	78467Y107	1,049	2,138	SH		OTR	0	2,036	50	52
Salesforce Inc	Com	79466L302	1,848	8,706	SH		SOLE	0	8,686	20	0
Salesforce Inc	Com	79466L302	1,364	6,423	SH		OTR	0	6,423	0	0
Schlumberger Ltd	Com	806857108	1,012	24,503	SH		SOLE	0	23,688	0	815
Schlumberger Ltd	Com	806857108	664	16,068	SH		OTR	0	15,778	290	0
Charles Schwab Corp	Com	808513105	238	2,826	SH		SOLE	0	2,826	0	0
Charles Schwab Corp	Com	808513105	301	3,575	SH		OTR	0	3,575	0	0
Schwab US Small Cap ETF	Com	808524607	3,024	63,856	SH		SOLE	0	63,856	0	0
Schwab US Small Cap ETF	Com	808524607	92	1,946	SH		OTR	0	1,946	0	0
Schwab Fundamental Intl Lg Co	Com	808524755	258	8,015	SH		SOLE	0	8,015	0	0
Schwab US Dividend Equity ETF	Com	808524797	8,328	105,568	SH		SOLE	0	103,695	0	1,873
Schwab US Dividend Equity ETF	Com	808524797	1,362	17,259	SH		OTR	0	17,259	0	0
Schwab International Equity ET	Com	808524805	2,739	74,595	SH		SOLE	0	74,595	0	0
Schwab International Equity ET	Com	808524805	498	13,564	SH		OTR	0	12,899	0	665
Schwab US Aggregate Bd ETF	Com	808524839	1,017	20,106	SH		SOLE	0	20,106	0	0
Schwab US Aggregate Bd ETF	Com	808524839	1,597	31,587	SH		OTR	0	30,922	0	665
Schwab US TIPs ETF	Com	808524870	131	2,150	SH		SOLE	0	2,150	0	0
Schwab US TIPs ETF	Com	808524870	76	1,258	SH		OTR	0	1,258	0	0
Materials Select SPDR Fund	Com	81369Y100	1,770	20,074	SH		SOLE	0	18,076	0	1,998
Materials Select SPDR Fund	Com	81369Y100	874	9,911	SH		OTR	0	9,056	410	445
Health Care Select Sector SPDR	Com	81369Y209	1,094	7,988	SH		SOLE	0	7,988	0	0
Health Care Select Sector SPDR	Com	81369Y209	21	150	SH		OTR	0	150	0	0
Consumer Staples Select Sector	Com	81369Y308	619	8,160	SH		SOLE	0	7,600	0	560
Consumer Staples Select Sector	Com	81369Y308	47	615	SH		OTR	0	130	305	180
Consumer Discretionary Selt	Com	81369Y407	1,624	8,780	SH		SOLE	0	6,950	0	1,830
Consumer Discretionary Selt	Com	81369Y407	228	1,235	SH		OTR	0	770	355	110
Energy Select Sector SPDR	Com	81369Y506	663	8,675	SH		SOLE	0	8,442	0	233
Energy Select Sector SPDR	Com	81369Y506	137	1,794	SH		OTR	0	1,574	80	140
Financial Select Sector SPDR	Com	81369Y605	1,104	28,811	SH		SOLE	0	26,122	0	2,689
Financial Select Sector SPDR	Com	81369Y605	92	2,410	SH		OTR	0	2,210	200	0
Industrial Select Sector SPDR	Com	81369Y704	1,115	10,829	SH		SOLE	0	10,829	0	0
Industrial Select Sector SPDR	Com	81369Y704	69	670	SH		OTR	0	580	0	90
Technology Select Sect SPDR	Com	81369Y803	2,494	15,695	SH		SOLE	0	15,434	162	99
Technology Select Sect SPDR	Com	81369Y803	257	1,615	SH		OTR	0	1,465	150	0
Real Estate Select Sect SPDR	Com	81369Y860	1,098	22,717	SH		SOLE	0	20,599	105	2,013
Real Estate Select Sect SPDR	Com	81369Y860	1,695	35,083	SH		OTR	0	34,912	46	125
Utilities Select Sector SPDR	Com	81369Y886	2,281	30,631	SH		SOLE	0	26,468	0	4,163
Utilities Select Sector SPDR	Com	81369Y886	1,215	16,314	SH		OTR	0	15,224	620	470
Simon Ppty Group Inc	Com	828806109	13	100	SH		SOLE	0	100	0	0
Simon Ppty Group Inc	Com	828806109	237	1,800	SH		OTR	0	1,800	0	0
Skyworks Solutions Inc	Com	83088M102	240	1,800	SH		OTR	0	0	0	1,800
Southern Company	Com	842587107	1,210	16,688	SH		SOLE	0	16,688	0	0
Southern Company	Com	842587107	810	11,165	SH		OTR	0	11,040	0	125
Starbucks Corp	Com	855244109	111	1,216	SH		SOLE	0	1,216	0	0
Starbucks Corp	Com	855244109	469	5,160	SH		OTR	0	5,160	0	0
State Street Corp	Com	857477103	236	2,712	SH		SOLE	0	2,712	0	0
State Street Corp	Com	857477103	50	575	SH		OTR	0	575	0	0
Stryker Corporation	Com	863667101	265	990	SH		SOLE	0	990	0	0
Sysco Corp	Com	871829107	455	5,570	SH		SOLE	0	5,570	0	0
Sysco Corp	Com	871829107	475	5,814	SH		OTR	0	5,389	0	425
TJX Cos Inc	Com	872540109	2,197	36,267	SH		SOLE	0	34,667	300	1,300
TJX Cos Inc	Com	872540109	2,275	37,549	SH		OTR	0	32,890	455	4,204
Target Corp	Com	87612E106	3,464	16,323	SH		SOLE	0	16,048	0	275
Target Corp	Com	87612E106	2,926	13,786	SH		OTR	0	10,971	165	2,650
Texas Instruments Inc	Com	882508104	148	807	SH		SOLE	0	807	0	0
Texas Instruments Inc	Com	882508104	54	292	SH		OTR	0	160	0	132
Thermo Fisher Scientific Inc	Com	883556102	15	26	SH		SOLE	0	26	0	0
Thermo Fisher Scientific Inc	Com	883556102	679	1,150	SH		OTR	0	0	0	1,150
3m CO	Com	88579Y101	1,739	11,682	SH		SOLE	0	10,732	330	620
3m CO	Com	88579Y101	389	2,610	SH		OTR	0	1,975	265	370
Truist Financial Corporation	Com	89832Q109	374	6,599	SH		SOLE	0	6,599	0	0
Truist Financial Corporation	Com	89832Q109	196	3,448	SH		OTR	0	3,448	0	0
US Bancorp New	Com	902973304	910	17,129	SH		SOLE	0	17,129	0	0
US Bancorp New	Com	902973304	425	8,000	SH		OTR	0	4,729	555	2,716
Union Pac Corp	Com	907818108	5,047	18,474	SH		SOLE	0	17,566	0	908
Union Pac Corp	Com	907818108	4,594	16,815	SH		OTR	0	15,185	50	1,580
United Parcel Service Cl B	Com	911312106	834	3,890	SH		SOLE	0	3,890	0	0
United Parcel Service Cl B	Com	911312106	418	1,949	SH		OTR	0	1,914	35	0
Unitedhealth Group Inc	Com	91324P102	3,703	7,261	SH		SOLE	0	7,061	0	200
Unitedhealth Group Inc	Com	91324P102	2,655	5,207	SH		OTR	0	4,192	120	895
Vaneck ETF Trust Agribusiness	Com	92189F700	1,255	12,005	SH		SOLE	0	11,205	50	750
Vaneck ETF Trust Agribusiness	Com	92189F700	1,158	11,073	SH		OTR	0	10,848	125	100
Vanguard Dividend Appreciation	Com	921908844	134	825	SH		SOLE	0	825	0	0
Vanguard Dividend Appreciation	Com	921908844	162	1,000	SH		OTR	0	1,000	0	0
Vanguard Total Intl Stock Et	Com	921909768	55	925	SH		SOLE	0	925	0	0
Vanguard Total Intl Stock Et	Com	921909768	308	5,150	SH		OTR	0	5,150	0	0
Vanguard Intermediate-Term Bon	Com	921937819	452	5,520	SH		SOLE	0	5,520	0	0
Vanguard Intermediate-Term Bon	Com	921937819	121	1,475	SH		OTR	0	1,475	0	0
Vanguard FTSE Developed Market	Com	921943858	132	2,750	SH		SOLE	0	2,750	0	0
Vanguard FTSE Developed Market	Com	921943858	165	3,425	SH		OTR	0	3,425	0	0
Vanguard High Dividend Yield E	Com	921946406	286	2,552	SH		SOLE	0	2,552	0	0
Vanguard High Dividend Yield E	Com	921946406	70	620	SH		OTR	0	620	0	0
Vanguard Ftse Emerging Markets	Com	922042858	1,720	37,281	SH		SOLE	0	37,281	0	0
Vanguard Ftse Emerging Markets	Com	922042858	431	9,340	SH		OTR	0	8,840	0	500
Vanguard Inter Term Corp Bond	Com	92206C870	1,042	12,111	SH		SOLE	0	12,111	0	0
Vanguard Inter Term Corp Bond	Com	92206C870	1,387	16,123	SH		OTR	0	16,123	0	0
Vanguard S&P 500 ETF	Com	922908363	10,612	25,560	SH		SOLE	0	25,373	0	187
Vanguard Mid-Cap Value Index F	Com	922908512	461	3,079	SH		SOLE	0	3,079	0	0
Vanguard Real Estate ETF	Com	922908553	1,164	10,739	SH		SOLE	0	10,739	0	0
Vanguard Real Estate ETF	Com	922908553	573	5,286	SH		OTR	0	4,830	356	100
Vanguard Index Fund Mid-Cap	Com	922908629	171	719	SH		SOLE	0	719	0	0
Vanguard Index Fund Mid-Cap	Com	922908629	92	385	SH		OTR	0	385	0	0
Veoneer Incorporated Com	Com	92336X109	352	9,521	SH		SOLE	0	9,521	0	0
Veoneer Incorporated Com	Com	92336X109	449	12,139	SH		OTR	0	12,139	0	0
Verizon Communications	Com	92343V104	2,887	56,684	SH		SOLE	0	52,449	830	3,405
Verizon Communications	Com	92343V104	1,956	38,405	SH		OTR	0	32,479	280	5,646
Visa Inc Cl A	Com	92826C839	1,896	8,548	SH		SOLE	0	8,548	0	0
Visa Inc Cl A	Com	92826C839	1,869	8,427	SH		OTR	0	7,227	100	1,100
Wal Mart Inc	Com	931142103	2,308	15,499	SH		SOLE	0	15,099	0	400
Wal Mart Inc	Com	931142103	1,992	13,374	SH		OTR	0	11,758	350	1,266
Walgreens Boots Alliance Inc	Com	931427108	250	5,592	SH		SOLE	0	5,592	0	0
Walgreens Boots Alliance Inc	Com	931427108	86	1,920	SH		OTR	0	1,320	0	600
Waste Management Inc	Com	94106L109	22	140	SH		SOLE	0	140	0	0
Waste Management Inc	Com	94106L109	235	1,480	SH		OTR	0	1,250	0	230
Wells Fargo & CO	Com	949746101	1,434	29,589	SH		SOLE	0	29,189	0	400
Wells Fargo & CO	Com	949746101	572	11,810	SH		OTR	0	8,970	655	2,185
WisdomTree MidCap Dividend ETF	Com	97717W505	2,192	49,349	SH		SOLE	0	48,593	0	756
WisdomTree MidCap Dividend ETF	Com	97717W505	274	6,179	SH		OTR	0	3,169	0	3,010
WisdomTree SmallCap Dividend E	Com	97717W604	575	18,053	SH		SOLE	0	17,928	0	125
WisdomTree SmallCap Dividend E	Com	97717W604	28	891	SH		OTR	0	891	0	0
Xylem Inc	Com	98419M100	287	3,364	SH		SOLE	0	3,364	0	0
Xylem Inc	Com	98419M100	175	2,050	SH		OTR	0	2,050	0	0
Yum! Brands Inc	Com	988498101	342	2,889	SH		SOLE	0	2,889	0	0
Yum! Brands Inc	Com	988498101	108	914	SH		OTR	0	914	0	0
Zimmer Biomet Holdings Inc	Com	98956P102	437	3,417	SH		SOLE	0	3,087	60	270
Zimmer Biomet Holdings Inc	Com	98956P102	373	2,913	SH		OTR	0	2,408	100	405
Deutsche Bank Ag ADR	Com	D18190898	127	10,000	SH		SOLE	0	10,000	0	0
Accenture PLC Cl A	Com	G1151C101	92	274	SH		SOLE	0	274	0	0
Accenture PLC Cl A	Com	G1151C101	406	1,205	SH		OTR	0	0	30	1,175
Eaton Corp PLC	Com	G29183103	754	4,966	SH		SOLE	0	4,966	0	0
Eaton Corp PLC	Com	G29183103	769	5,069	SH		OTR	0	3,994	0	1,075
Linde PLC	Com	G5494J103	1,894	5,930	SH		SOLE	0	5,930	0	0
Linde PLC	Com	G5494J103	1,086	3,399	SH		OTR	0	2,474	0	925
Medtronic PLC	Com	G5960L103	1,168	10,526	SH		SOLE	0	10,526	0	0
Medtronic PLC	Com	G5960L103	1,017	9,162	SH		OTR	0	8,591	71	500