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Arrow Financial (AROW)

Filed: 28 Jan 22, 4:00pm

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 1COLUMN 2COLUMN 3COLUMN 4COLUMN 5COLUMN 6COLUMN 7COLUMN 8
VALUESHRS ORSH/PUT/INVESTMENTOTHERVOTING AUTHORITY
NAME OF ISSUERTITLE OF CLASSCUSIP(x$1000)PRN AMTPRNCALLDISCRETIONMANAGERSOLESHAREDNONE
SERVICENOW INCCOMMON STOCK81762P102610SH DFND21000
INGERSOLL-RAND INCCOMMON STOCK45687V106113SH DFND21300
TWITTER INCCOMMON STOCK90184L102115SH DFND21500
VERTEX PHARMACEUTICALS INCCOMMON STOCK92532F100315SH DFND21500
VANGUARD TOTAL STOCK MARKET ETOTHER922908769623SH DFND22300
ELECTRONIC ARTS INCCOMMON STOCK285512109325SH DFND22500
THE HERSHEY COMPANYCOMMON STOCK427866108525SH DFND22500
SPDR S&P MIDCAP 400 ETF TRUSTOTHER78467Y1071325SH DFND22500
ISHARES RUSSELL 2000 ETFOTHER464287655834SH DFND23400
NUCOR CORPCOMMON STOCK670346105435SH DFND23500
VALERO ENERGY CORPCOMMON STOCK91913Y100335SH DFND23500
BOOKING HOLDINGS INCCOMMON STOCK09857L1088636SH DFND23600
SHOPIFY INC CL ACOMMON STOCK82509L1075036SH DFND23600
ISHARES MSCI USA QUALITY FACTOOTHER46432F339638SH DFND23800
TRUSTCO BANK CORP NYCOMMON STOCK898349204143SH DFND24300
CERNER CORPCOMMON STOCK156782104445SH DFND24500
BIONTECH SE SPONS ADRCOMMON STOCK09075V1021350SH DFND25000
VANGUARD HEALTH CARE ETFOTHER92204A5041452SH DFND25200
WELLTOWER INC REITCOMMON STOCK95040Q104559SH DFND25900
REAL ESTATE SELECT SECTOR SPDROTHER81369Y860359SH DFND25900
ANALOG DEVICES INCCOMMON STOCK0326541051160SH DFND26000
FACTSET RESEARCH SYSTEM INCCOMMON STOCK3030751052960SH DFND26000
SIMON PROPERTY GROUP INC REITCOMMON STOCK8288061091060SH DFND26000
TARGET CORPCOMMON STOCK87612E1061566SH DFND26600
MARRIOTT INTERNATIONAL INCCOMMON STOCK5719032021272SH DFND27200
ISHARES CORE S&P U.S. GROWTH EOTHER464287671872SH DFND27200
XYLEM INCCOMMON STOCK98419M100973SH DFND27300
AUTODESK INCCOMMON STOCK0527691062280SH DFND28000
NORTHROP GRUMMAN CORPORATIONCOMMON STOCK6668071023282SH DFND28200
PACKAGING CORP OF AMERICACOMMON STOCK6951561091285SH DFND28500
GRAINGER W W INCCOMMON STOCK3848021044689SH DFND28900
THOMSON REUTERS CORPCOMMON STOCK8849037091190SH DFND29000
ISHARES CORE MSCI EMERGING MKTOTHER46434G103590SH DFND29000
ISHARES MSCI EMERGING MKT ETFOTHER464287234593SH DFND29300
PARKER HANNIFIN CORPCOMMON STOCK7010941043095SH DFND29500
CARDINAL HEALTH INCCOMMON STOCK14149Y1085100SH DFND210000
EXELON CORPCOMMON STOCK30161N1016100SH DFND210000
JABIL INCCOMMON STOCK4663131037100SH DFND210000
KELLOGG COCOMMON STOCK4878361086100SH DFND210000
LABORATORY CORP OF AMERICA HOLCOMMON STOCK50540R40931100SH DFND210000
NOVAVAX INCCOMMON STOCK67000240114100SH DFND210000
ROKU INCCOMMON STOCK77543R10223100SH DFND210000
ROYAL BANK OF CANADACOMMON STOCK78008710211100SH DFND210000
TRANE TECHNOLOGIES PLCCOMMON STOCKG8994E10320100SH DFND210000
ISHARES BARCLAYS TIPS BOND ETFOTHER46428717613100SH DFND210000
VANGUARD INFO TECH ETFOTHER92204A70248104SH DFND210400
ROPER TECHNOLOGIES INCCOMMON STOCK77669610652105SH DFND210500
JACK HENRY & ASSOC INCCOMMON STOCK42628110120120SH DFND212000
CMS ENERGY CORPCOMMON STOCK1258961008121SH DFND212100
DOLLAR GENERAL CORPCOMMON STOCK25667710529122SH DFND212200
VANGUARD FTSE EMERGING MARKETSOTHER9220428586124SH DFND212400
HEALTHPEAK PROPERTIES INC REITCOMMON STOCK42250P1035131SH DFND213100
ISHARES PREFERRED & INCOME SECOTHER4642886875138SH DFND213800
CITIGROUP INCCOMMON STOCK1729674249150SH DFND215000
WABTEC CORPCOMMON STOCK92974010814150SH DFND215000
EATON CORP PLCCOMMON STOCKG2918310327154SH DFND215400
KIMBERLY CLARK CORPCOMMON STOCK49436810322155SH DFND215500
MONDELEZ INTERNATIONAL INCCOMMON STOCK60920710511173SH DFND217300
VONTIER CORPCOMMON STOCK9288811015176SH DFND217600
PHILLIPS 66COMMON STOCK71854610413178SH DFND217800
VANGUARD REAL ESTATE ETFOTHER92290855321185SH DFND218500
BECTON DICKINSONCOMMON STOCK07588710948190SH DFND219000
ARCHER DANIELS MIDLAND COCOMMON STOCK03948310214200SH DFND220000
KEMPER CORPCOMMON STOCK48840110012200SH DFND220000
PLUG POWER INCCOMMON STOCK72919P2026200SH DFND220000
BOEING COCOMMON STOCK09702310541205SH DFND220500
ISHARES IBONDS 2024 H/Y INCOTHER46435U1845205SH DFND220500
GENUINE PARTS COCOMMON STOCK37246010529210SH DFND221000
COMM. SERV. SELECT SECTOR SPDROTHER81369Y85217220SH DFND222000
ACCENTURE PLC CL ACOMMON STOCKG1151C10193225SH DFND222500
IDACORP INCCOMMON STOCK45110710626232SH DFND223200
ISHARES MSCI EAFE ETFOTHER46428746518235SH DFND223500
MANULIFE FINANCIAL CORPCOMMON STOCK56501R1065236SH DFND223600
TOMPKINS FINANCIAL CORPORATIONCOMMON STOCK89011010920240SH DFND224000
WASTE MANAGEMENT INCCOMMON STOCK94106L10941244SH DFND224400
ROSS STORES INCCOMMON STOCK77829610328249SH DFND224900
MODERNA INCCOMMON STOCK60770K10763250SH DFND225000
VANECK BIOTECH ETFOTHER92189F72647250SH DFND225000
CVS HEALTH CORPCOMMON STOCK12665010026254SH DFND225400
AIR PRODUCTS & CHEMICALS INCCOMMON STOCK00915810685278SH DFND227800
NORFOLK SOUTHERN CORPCOMMON STOCK65584410883280SH DFND228000
CHECK POINT SOFTWARE TECH LTDCOMMON STOCKM2246510435300SH DFND230000
AMERICAN INTERNATIONAL GROUPCOMMON STOCK02687478418320SH DFND232000
WEC ENERGY GROUP INCCOMMON STOCK92939U10633345SH DFND234500
EDISON INTERNATIONALCOMMON STOCK28102010724350SH DFND235000
CAPITAL ONE FINANCIAL CORPCOMMON STOCK14040H10552355SH DFND235500
CME GROUP INCCOMMON STOCK12572Q10586378SH DFND237800
OTIS WORLDWIDE CORPCOMMON STOCK68902V10733379SH DFND237900
SMITH A O CORPORATIONCOMMON STOCK83186520933390SH DFND239000
SOUTHERN COMPANYCOMMON STOCK84258710727390SH DFND239000
EBAY INCCOMMON STOCK27864210327400SH DFND240000
TESLA INCCOMMON STOCK88160R101433410SH DFND241000
BAXTER INTL INCCOMMON STOCK07181310937430SH DFND243000
AMERICAN ELEC PWR INCCOMMON STOCK02553710138432SH DFND243200
VANECK SEMICONDUCTOR ETFOTHER92189F676133432SH DFND243200
EOG RES INCCOMMON STOCK26875P10139435SH DFND243500
AMERICAN TOWER CORP REITCOMMON STOCK03027X100127435SH DFND243500
PRUDENTIAL FINL INCCOMMON STOCK74432010248439SH DFND243900
ILLINOIS TOOL WKS INCCOMMON STOCK452308109109440SH DFND244000
CSX CORPCOMMON STOCK12640810317450SH DFND245000
MONSTER BEVERAGE CORPCOMMON STOCK61174X10946475SH DFND247500
INFINERA CORPCOMMON STOCK45667G1035500SH DFND250000
YUM CHINA HOLDINGS INCCOMMON STOCK98850P10925500SH DFND250000
BARRICK GOLD CORPCOMMON STOCK06790110810500SH DFND250000
SPDR S&P TELECOM ETFOTHER78464A54051500SH DFND250000
EXELIXIS INCCOMMON STOCK30161Q1049510SH DFND251000
VANGUARD GROWTH ETFOTHER922908736178556SH DFND255600
CLOROX COMPANYCOMMON STOCK18905410999569SH DFND256900
FLAH & CRUM PFD & INCM SEC FUNOTHER33847810012574SH DFND257400
SHERWIN WILLIAMS COCOMMON STOCK824348106209594SH DFND259400
MDU RESOURCES GROUP INCCOMMON STOCK55269010919600SH DFND260000
SOUTHWEST AIRLINES COCOMMON STOCK84474110826600SH DFND260000
RIO TINTO PLC SPONS ADRCOMMON STOCK76720410040600SH DFND260000
CHARLES SCHWAB CORPCOMMON STOCK80851310553625SH DFND262500
GLOBALFOUNDRIES INCCOMMON STOCKG3938710842650SH DFND265000
GOLDMAN SACHS GROUP INCCOMMON STOCK38141G104249652SH DFND265200
METLIFE INCCOMMON STOCK59156R10841659SH DFND265900
NBT BANCORP INC COMCOMMON STOCK62877810226665SH DFND266500
SCHLUMBERGER LTDCOMMON STOCK80685710820670SH DFND267000
CARNIVAL CORPCOMMON STOCK14365830014700SH DFND270000
HERTZ GLOBAL HOLDINGS INCCOMMON STOCK42806J70018735SH DFND273500
ISHARES US REGIONAL BANKS ETFOTHER46428877845735SH DFND273500
CONSOLIDATED EDISON INCCOMMON STOCK20911510463739SH DFND273900
CARLOTZ INC CL ACOMMON STOCK1425521082750SH DFND275000
ALPHABET INC CL CCOMMON STOCK02079K1072,283789SH DFND278900
BOSTON SCIENTIFIC CORPCOMMON STOCK10113710734795SH DFND279500
FIRSTENERGY CORPCOMMON STOCK33793210733801SH DFND280100
KADANT INCCOMMON STOCK48282T104186809SH DFND280900
KEYCORPCOMMON STOCK49326710819812SH DFND281200
DEERE & COCOMMON STOCK244199105297865SH DFND286500
ZIMMER BIOMET HOLDINGS INCCOMMON STOCK98956P102114900SH DFND290000
DUKE ENERGY CORPCOMMON STOCK26441C20499940SH DFND294000
ASHLAND GLOBAL HOLDINGS INCCOMMON STOCK044186104101941SH DFND294100
DUPONT DE NEMOURS INCCOMMON STOCK26614N10276946SH DFND294600
DOW INCCOMMON STOCK26055710355970SH DFND297000
ISHARES CORE MSCI EAFE ETFOTHER46432F84273974SH DFND297400
BLACKROCK ENHANCED EQUITY DIVIOTHER09251A10410986SH DFND298600
MIND MEDICINE MINDMED INCCOMMON STOCK60255C10911,000SH DFND21,00000
TEMPLETON GLOBAL INCOME FUNDOTHER88019810651,000SH DFND21,00000
BLACKSTONE INCCOMMON STOCK09260D1071301,008SH DFND21,00800
LOCKHEED MARTIN CORPCOMMON STOCK5398301093611,016SH DFND21,01600
LILLY ELI & COCOMMON STOCK5324571082851,033SH DFND21,03300
VIRGIN GALACTIC HOLDINGS INCCOMMON STOCK92766K106141,057SH DFND21,05700
UNITED PARCEL SERVICE CL BCOMMON STOCK9113121062311,077SH DFND21,07700
ESSENTIAL UTILITIES INCCOMMON STOCK29670G102581,082SH DFND21,08200
ANNALY CAPITAL MANAGEMENT REITCOMMON STOCK03571040991,110SH DFND21,11000
MCCORMICK & CO INCCOMMON STOCK5797802061091,131SH DFND21,13100
CARRIER GLOBAL CORPCOMMON STOCK14448C104641,177SH DFND21,17700
BEST BUY CO INCCOMMON STOCK0865161011241,224SH DFND21,22400
BLOCK INC CL ACOMMON STOCK8522341032001,240SH DFND21,24000
SPDR S&P INSURANCE ETFOTHER78464A789511,260SH DFND21,26000
AUTOMATIC DATA PROCESSING INCCOMMON STOCK0530151033121,265SH DFND21,26500
ISHARES IBONDS 2022 H/Y INCOTHER46435U176311,270SH DFND21,27000
BANK OF NEW YORK MELLON CORPCOMMON STOCK064058100741,280SH DFND21,28000
CONS STAPLES SELECT SECT SPDROTHER81369Y3081021,320SH DFND21,32000
FORTIVE CORPCOMMON STOCK34959J1081011,328SH DFND21,32800
MEDTRONIC PLCCOMMON STOCKG5960L1031391,341SH DFND21,34100
FEDEX CORPORATIONCOMMON STOCK31428X1063581,383SH DFND21,38300
TRUIST FINANCIAL CORPCOMMON STOCK89832Q109831,425SH DFND21,42500
SPDR S&P BIOTECH ETFOTHER78464A8701611,440SH DFND21,44000
GABELLI DIVIDEND & INCOME TRUSOTHER36242H104401,485SH DFND21,48500
SPDR GOLD TRUSTOTHER78463V1072561,495SH DFND21,49500
LXP INDUSTRIAL TRUST REITCOMMON STOCK529043101231,500SH DFND21,50000
PENN NATIONAL GAMING INCCOMMON STOCK707569109801,535SH DFND21,53500
EMERSON ELEC COCOMMON STOCK2910111041451,560SH DFND21,56000
INTERNATIONAL FLAVORS & FRAGRACOMMON STOCK4595061012411,603SH DFND21,60300
VULCAN MATERIALS COCOMMON STOCK9291601093331,605SH DFND21,60500
KKR & CO INC CL ACOMMON STOCK48251W1041241,670SH DFND21,67000
HAWAIIAN ELECTRIC INDUSTRIES ICOMMON STOCK419870100711,702SH DFND21,70200
ENERGY SELECT SECTOR SPDR FUNDOTHER81369Y506961,735SH DFND21,73500
VANECK SOCIAL SENTIMENT ETFOTHER92189H839411,750SH DFND21,75000
INVESCO KBW HIGH DIVIDEND YIELOTHER46138E610361,780SH DFND21,78000
VANECK GOLD MINERS ETFOTHER92189F106581,818SH DFND21,81800
CONS DISC SELECT SECTOR SPDR FOTHER81369Y4073751,833SH DFND21,83300
TORONTO DOMINION BANKCOMMON STOCK8911605091451,890SH DFND21,89000
AMERICAN EXPRESS COCOMMON STOCK0258161093141,920SH DFND21,92000
INTL. BUSINESS MACHINES CORPCOMMON STOCK4592001012712,028SH DFND22,02800
AMAZON.COM INCCOMMON STOCK0231351066,9252,077SH DFND22,07700
BP PLC SPONS ADRCOMMON STOCK055622104572,122SH DFND22,12200
T ROWE PRICE GROUP INCCOMMON STOCK74144T1084252,162SH DFND22,16200
CORNING INCCOMMON STOCK219350105812,184SH DFND22,18400
GREENLANE HOLDINGS INC CL ACOMMON STOCK39533010322,217SH DFND22,21700
APPLIED MATERIALS INCCOMMON STOCK0382221053662,325SH DFND22,32500
GENERAL ELECTRIC COCOMMON STOCK3696043012242,373SH DFND22,37300
3M COCOMMON STOCK88579Y1014252,395SH DFND22,39500
FISERV INCCOMMON STOCK3377381082572,475SH DFND22,47500
ISHARES BARCLAYS 1-3 YEAR TR EOTHER4642874572122,484SH DFND22,48400
INDUSTRIAL SELECT SECTOR SPDROTHER81369Y7042672,520SH DFND22,52000
ECOLAB INCCOMMON STOCK2788651005982,547SH DFND22,54700
RAYTHEON TECHNOLOGIES CORPCOMMON STOCK75513E1012232,593SH DFND22,59300
ENBRIDGE INCORPORATEDCOMMON STOCK29250N1051072,746SH DFND22,74600
META PLATFORMS INC CL ACOMMON STOCK30303M1029552,838SH DFND22,83800
DOMINION ENERGY INCCOMMON STOCK25746U1092262,881SH DFND22,88100
GENERAL MLS INCCOMMON STOCK3703341042022,995SH DFND22,99500
ISHARES IBONDS DEC 2031 CORPOTHER46436E486753,000SH DFND23,00000
ISHARES RUSSELL MIDCAP ETFOTHER4642874992523,035SH DFND23,03500
COMCAST CORP-CL ACOMMON STOCK20030N1011533,048SH DFND23,04800
COLGATE PALMOLIVE COCOMMON STOCK1941621032653,111SH DFND23,11100
ALPHABET INC CL ACOMMON STOCK02079K3059,0243,115SH DFND23,11500
BLACKROCK INC CL ACOMMON STOCK09247X1013,0493,330SH DFND23,33000
HEALTH CARE SELECT SECTOR SPDROTHER81369Y2095033,568SH DFND23,56800
DANAHER CORPCOMMON STOCK2358511021,2453,784SH DFND23,78400
ISHARES MSCI ALL COUNTRY ASIAOTHER4642881823183,840SH DFND23,84000
TECHNOLOGY SELECT SECTOR SPDROTHER81369Y8037014,029SH DFND24,02900
GILEAD SCIENCES INCCOMMON STOCK3755581033094,261SH DFND24,26100
NVIDIA CORPCOMMON STOCK67066G1041,2964,405SH DFND24,40500
PHILIP MORRIS INTERNATIONALCOMMON STOCK7181721094474,701SH DFND24,70100
AMERICAN WATER WORKS CO INCCOMMON STOCK0304201038894,705SH DFND24,70500
COSTCO WHOLESALE CORPCOMMON STOCK22160K1052,6814,722SH DFND24,72200
SALESFORCE.COMCOMMON STOCK79466L3021,2154,781SH DFND24,78100
CONSTELLATION BRANDS INCCOMMON STOCK21036P1081,2224,868SH DFND24,86800
JACOBS ENGINEERING GROUP INCCOMMON STOCK4698141077005,028SH DFND25,02800
THERMO FISHER SCIENTIFIC INCCOMMON STOCK8835561023,5065,255SH DFND25,25500
ADOBE INCCOMMON STOCK00724F1013,0515,381SH DFND25,38100
AMGEN INCCOMMON STOCK0311621001,2205,425SH DFND25,42500
WELLS FARGO & COCOMMON STOCK9497461012605,425SH DFND25,42500
ALTRIA GROUP INCCOMMON STOCK02209S1032625,531SH DFND25,53100
UNITEDHEALTH GROUP INCCOMMON STOCK91324P1023,0176,008SH DFND26,00800
NIKE INC-CLASS BCOMMON STOCK6541061031,0186,105SH DFND26,10500
ABBVIE INCCOMMON STOCK00287Y1098526,295SH DFND26,29500
CUMMINS INCCOMMON STOCK2310211061,4856,808SH DFND26,80800
NETFLIX INCCOMMON STOCK64110L1064,1156,830SH DFND26,83000
MERCK & CO INCCOMMON STOCK58933Y1055607,313SH DFND27,31300
ISHARES IBONDS DEC 2030 CORP EOTHER46436E7261847,334SH DFND27,33400
MASTERCARD INC CL ACOMMON STOCK57636Q1042,6497,373SH DFND27,37300
MCDONALDS CORPCOMMON STOCK5801351012,0027,470SH DFND27,47000
CATERPILLAR INCCOMMON STOCK1491231011,6037,752SH DFND27,75200
LYONDELLBASELL INDUSTRIES NVCOMMON STOCKN537451007277,887SH DFND27,88700
SPDR PORTFOLIO S&P 500 GROWTHOTHER78464A4095858,071SH DFND28,07100
CHEVRON CORPORATIONCOMMON STOCK1667641009608,179SH DFND28,17900
ISHARES NATIONAL MUNI BOND ETFOTHER4642884141,0138,709SH DFND28,70900
WALMART INCCOMMON STOCK9311421031,2888,901SH DFND28,90100
GENERAL DYNAMICS CORPCOMMON STOCK3695501081,8949,084SH DFND29,08400
MASCO CORPCOMMON STOCK5745991066519,274SH DFND29,27400
LOWES COS INCCOMMON STOCK5486611072,4309,401SH DFND29,40100
NEXTERA ENERGY INCCOMMON STOCK65339F1018899,527SH DFND29,52700
FORD MOTOR CO DELCOMMON STOCK3453708602009,650SH DFND29,65000
TRAVELERS COMPANIES INCCOMMON STOCK89417E1091,5269,754SH DFND29,75400
STRYKER CORPORATIONCOMMON STOCK8636671012,6249,811SH DFND29,81100
MORGAN STANLEYCOMMON STOCK6174464489799,970SH DFND29,97000
BERKSHIRE HATHAWAY INC-CL BCOMMON STOCK0846707023,03210,139SH DFND210,13900
UTILITIES SELECT SECTOR SPDR FOTHER81369Y88673010,194SH DFND210,19400
PEPSICO INCCOMMON STOCK7134481081,78010,246SH DFND210,24600
YUM! BRANDS INCCOMMON STOCK9884981011,43610,342SH DFND210,34200
CONOCOPHILLIPSCOMMON STOCK20825C10476110,550SH DFND210,55000
SPDR PORTFOLIO S&P 500 VALUE EOTHER78464A50846511,061SH DFND211,06100
ISHARES ESG AWARE 1-5 YEAR USDOTHER46435G24329811,600SH DFND211,60000
ISHARES IBONDS DEC 2028 ETFOTHER46435U51532911,624SH DFND211,62400
SYSCO CORPCOMMON STOCK8718291071,00112,748SH DFND212,74800
UNION PAC CORPCOMMON STOCK9078181083,22312,793SH DFND212,79300
FINANCIAL SELECT SECTOR SPDR FOTHER81369Y60552013,316SH DFND213,31600
HONEYWELL INTERNATIONAL INCCOMMON STOCK4385161062,80513,454SH DFND213,45400
HOME DEPOT INCCOMMON STOCK4370761025,58813,464SH DFND213,46400
TEXAS INSTRUMENTS INCCOMMON STOCK8825081042,60413,815SH DFND213,81500
QUALCOMM INCCOMMON STOCK7475251032,62514,353SH DFND214,35300
ISHRS IBNDS DEC 27 CORP ETFOTHER46435UAA939014,666SH DFND214,66600
SPDR S&P 500 ETF TRUSTOTHER78462F1037,70716,227SH DFND216,22700
ABBOTT LABSCOMMON STOCK0028241002,34516,665SH DFND216,66500
PROCTER & GAMBLE COCOMMON STOCK7427181093,00218,351SH DFND218,35100
ISHARES IBONDS DEC 2025 TERM COTHER46434VBD148718,446SH DFND218,44600
DOLLAR TREE INCCOMMON STOCK2567461082,62318,664SH DFND218,66400
ACTIVISION BLIZZARD INCCOMMON STOCK00507V1091,25718,892SH DFND218,89200
ISHARES IBONDS DEC 2026 TERMOTHER46435GAA049518,974SH DFND218,97400
STARBUCKS CORPCOMMON STOCK8552441092,32919,914SH DFND219,91400
ISHARES IBONDS DEC 2024 TERMOTHER46434VBG451819,962SH DFND219,96200
ISHARES IBONDS DEC 2029 TERMOTHER46436E20552920,104SH DFND220,10400
PAYCHEX INCCOMMON STOCK7043261072,78020,367SH DFND220,36700
AT&T INCCOMMON STOCK00206R10250620,555SH DFND220,55500
INTERCONTINENTAL EXCHANGE GROU COMMON STOCK45866F1042,89721,185SH DFND221,18500
VISA INC CL ACOMMON STOCK92826C8394,66121,509SH DFND221,50900
ISHARES IBONDS 2023 H/Y INCOTHER46435U15053922,085SH DFND222,08500
PAYPAL HOLDINGS INCCOMMON STOCK70450Y1034,25322,552SH DFND222,55200
JOHNSON & JOHNSONCOMMON STOCK4781601043,94523,063SH DFND223,06300
US BANCORP NEWCOMMON STOCK9029733041,31023,318SH DFND223,31800
DISNEY WALT CO NEWCOMMON STOCK2546871063,74024,146SH DFND224,14600
MATERIALS SELECT SECTOR SPDR FOTHER81369Y1002,22824,593SH DFND224,59300
COCA COLA COCOMMON STOCK1912161001,47824,960SH DFND224,96000
ISHARES IBONDS DEC 2022 TERM COTHER46434VBA768827,374SH DFND227,37400
JP MORGAN CHASE & COCOMMON STOCK46625H1004,40527,816SH DFND227,81600
TJX COS INCCOMMON STOCK8725401092,24429,555SH DFND229,55500
MICROSOFT CORPCOMMON STOCK59491810410,42831,007SH DFND231,00700
INVESCO QQQ TRUST SERIES 1OTHER46090E10312,36431,078SH DFND231,07800
BRISTOL MYERS SQUIBB COCOMMON STOCK1101221082,09833,651SH DFND233,65100
EXXON MOBIL CORPCOMMON STOCK30231G1022,14435,041SH DFND235,04100
ISHARES IBONDS DEC 2023 TERM COTHER46434VAX896937,741SH DFND237,74100
WILLIAMS COS INCCOMMON STOCK96945710098937,989SH DFND237,98900
ORACLE CORPORATIONCOMMON STOCK68389X1053,51840,339SH DFND240,33900
VERIZON COMMUNICATIONSCOMMON STOCK92343V1042,33844,990SH DFND244,99000
INTEL CORPCOMMON STOCK4581401002,39246,445SH DFND246,44500
BANK OF AMERICA CORPCOMMON STOCK0605051042,34352,654SH DFND252,65400
CISCO SYSTEMS INCCOMMON STOCK17275R1023,34852,836SH DFND252,83600
VANGUARD TOTAL BOND MARKET ETFOTHER9219378354,65054,867SH DFND254,86700
ISHARES CORE S&P MID-CAP ETFOTHER46428750715,71955,528SH DFND255,52800
PFIZER INCCOMMON STOCK7170811033,28255,588SH DFND255,58800
APPLE INCCOMMON STOCK03783310011,48664,685SH DFND264,68500
ISHARES NEW YORK MUNI BOND ETFOTHER4642883234,34374,934SH DFND274,93400
ISHARES 1-5Y INV GRADE CORP ETOTHER4642886464,90290,978SH DFND290,97800
VANGUARD SMALL-CAP ETFOTHER92290875125,287111,884SH DFND2111,88400
ISHARES CORE U.S. AGGREGATEOTHER46428722614,097123,568SH DFND2123,56800
ISHARES CORE S&P SMALL-CAP ETFOTHER46428780419,430169,681SH DFND2169,68100
VANGUARD S&P 500 ETFOTHER92290836399,865228,749SH DFND2228,74900
VANGUARD MID-CAP ETFOTHER92290862964,478253,084SH DFND2253,08400
VANGUARD SHORT TERM CORP BONDOTHER92206C40925,348311,943SH DFND2311,94300
ISHARES CORE MSCI DEV MKTSOTHER46435G32626,295389,212SH DFND2389,21200
ARROW FINANCIAL CORPORATIONCOMMON STOCK04274410250,9581,446,440SH DFND21,446,44000
ABBOTT LABSCOMMON STOCK0028241001641,162SH OTR201,1620
ABBVIE INCCOMMON STOCK00287Y1092742,025SH OTR202,0250
ADOBE INCCOMMON STOCK00724F101181320SH OTR203200
ALPHABET INC CL ACOMMON STOCK02079K305889307SH OTR203070
ALPHABET INC CL CCOMMON STOCK02079K107289100SH OTR201000
ALTRIA GROUP INCCOMMON STOCK02209S1037150SH OTR201500
AMAZON.COM INCCOMMON STOCK023135106437131SH OTR201310
AMERICAN EXPRESS COCOMMON STOCK0258161092131,300SH OTR201,3000
AMERICAN WATER WORKS CO INCCOMMON STOCK03042010348255SH OTR202550
AMGEN INCCOMMON STOCK03116210056250SH OTR202500
APPLE INCCOMMON STOCK0378331001,96811,082SH OTR2011,0820
AT&T INCCOMMON STOCK00206R1021194,857SH OTR204,8570
AUTOMATIC DATA PROCESSING INCCOMMON STOCK0530151037713,125SH OTR203,1250
BANK OF AMERICA CORPCOMMON STOCK0605051042064,620SH OTR204,6200
BANK OF NEW YORK MELLON CORPCOMMON STOCK064058100861,475SH OTR201,4750
BAXTER INTL INCCOMMON STOCK0718131091631,900SH OTR201,9000
BECTON DICKINSONCOMMON STOCK07588710936145SH OTR201450
BERKSHIRE HATHAWAY INC-CL BCOMMON STOCK0846707023631,215SH OTR201,2150
BLACKROCK INC CL ACOMMON STOCK09247X101233255SH OTR202550
BLOCK INC CL ACOMMON STOCK85223410330185SH OTR201850
BRISTOL MYERS SQUIBB COCOMMON STOCK1101221081572,511SH OTR202,5110
CARDINAL HEALTH INCCOMMON STOCK14149Y10810200SH OTR202000
CARRIER GLOBAL CORPCOMMON STOCK14448C1042594,770SH OTR204,7700
CATERPILLAR INCCOMMON STOCK1491231012331,125SH OTR201,1250
CHEVRON CORPORATIONCOMMON STOCK1667641003092,633SH OTR202,6330
CIGNA CORPCOMMON STOCK1255231001044SH OTR20440
CISCO SYSTEMS INCCOMMON STOCK17275R102891,405SH OTR201,4050
CLOROX COMPANYCOMMON STOCK18905410917100SH OTR201000
COCA COLA COCOMMON STOCK1912161001171,980SH OTR201,9800
COLGATE PALMOLIVE COCOMMON STOCK1941621034865,700SH OTR205,7000
COMCAST CORP-CL ACOMMON STOCK20030N10115300SH OTR203000
CONOCOPHILLIPSCOMMON STOCK20825C104971,346SH OTR201,3460
CONSTELLATION BRANDS INCCOMMON STOCK21036P108192767SH OTR207670
COSTCO WHOLESALE CORPCOMMON STOCK22160K10560105SH OTR201050
CUMMINS INCCOMMON STOCK23102110640185SH OTR201850
CVS HEALTH CORPCOMMON STOCK12665010040390SH OTR203900
DANAHER CORPCOMMON STOCK23585110250151SH OTR201510
DISNEY WALT CO NEWCOMMON STOCK2546871062911,877SH OTR201,8770
DOCUSIGN INCCOMMON STOCK25616310626170SH OTR201700
DOLLAR TREE INCCOMMON STOCK25674610825175SH OTR201750
DOMINION ENERGY INCCOMMON STOCK25746U10945575SH OTR205750
DOW INCCOMMON STOCK260557103233SH OTR20330
DTE ENERGY COCOMMON STOCK23333110734285SH OTR202850
DUKE ENERGY CORPCOMMON STOCK26441C20467634SH OTR206340
ECOLAB INCCOMMON STOCK2788651002351,000SH OTR201,0000
EMERSON ELEC COCOMMON STOCK2910111042953,170SH OTR203,1700
EOG RES INCCOMMON STOCK26875P101335SH OTR20350
EXXON MOBIL CORPCOMMON STOCK30231G1025619,160SH OTR209,1600
GENERAL DYNAMICS CORPCOMMON STOCK36955010842200SH OTR202000
GILEAD SCIENCES INCCOMMON STOCK37555810321295SH OTR202950
GOLDMAN SACHS GROUP INCCOMMON STOCK38141G1041025SH OTR20250
HOME DEPOT INCCOMMON STOCK4370761027341,769SH OTR201,7690
HONEYWELL INTERNATIONAL INCCOMMON STOCK438516106153735SH OTR207350
INTEL CORPCOMMON STOCK4581401004017,785SH OTR207,7850
INTERCONTINENTAL EXCHANGE GROUCOMMON STOCK45866F104133975SH OTR209750
INTL. BUSINESS MACHINES CORPCOMMON STOCK4592001016014,500SH OTR204,5000
INTUIT INCCOMMON STOCK461202103521810SH OTR208100
JACOBS ENGINEERING GROUP INCCOMMON STOCK46981410792662SH OTR206620
JOHNSON & JOHNSONCOMMON STOCK4781601041,1046,451SH OTR206,4510
JP MORGAN CHASE & COCOMMON STOCK46625H1001,1777,435SH OTR207,4350
KELLOGG COCOMMON STOCK48783610858900SH OTR209000
KRAFT HEINZ COCOMMON STOCK500754106133SH OTR20330
KYNDRYL HOLDINGS INCCOMMON STOCK50155Q10016880SH OTR208800
LILLY ELI & COCOMMON STOCK5324571084971,800SH OTR201,8000
LOWES COS INCCOMMON STOCK548661107255985SH OTR209850
MARRIOTT INTERNATIONAL INCCOMMON STOCK5719032021165SH OTR20650
MASCO CORPCOMMON STOCK57459910616225SH OTR202250
MASTERCARD INC CL ACOMMON STOCK57636Q1043290SH OTR20900
MCDONALDS CORPCOMMON STOCK580135101133495SH OTR204950
MERCK & CO INCCOMMON STOCK58933Y1052493,255SH OTR203,2550
META PLATFORMS INC CL ACOMMON STOCK30303M10255165SH OTR201650
METLIFE INCCOMMON STOCK59156R10815235SH OTR202350
MICROSOFT CORPCOMMON STOCK5949181042,6807,969SH OTR207,9690
MONDELEZ INTERNATIONAL INCCOMMON STOCK60920710514207SH OTR202070
MORGAN STANLEYCOMMON STOCK6174464481962,000SH OTR202,0000
NETFLIX INCCOMMON STOCK64110L10669115SH OTR201150
NEXTERA ENERGY INCCOMMON STOCK65339F1012312,470SH OTR202,4700
NIKE INC-CLASS BCOMMON STOCK6541061034922,950SH OTR202,9500
NORFOLK SOUTHERN CORPCOMMON STOCK655844108201675SH OTR206750
NVIDIA CORPCOMMON STOCK67066G1043061,040SH OTR201,0400
OCCIDENTAL PETE CORPCOMMON STOCK67459910517600SH OTR206000
ORACLE CORPORATIONCOMMON STOCK68389X1055426,220SH OTR206,2200
ORGANON & COCOMMON STOCK68622V1065180SH OTR201800
OTIS WORLDWIDE CORPCOMMON STOCK68902V1071842,109SH OTR202,1090
PAYCHEX INCCOMMON STOCK7043261072051,500SH OTR201,5000
PAYPAL HOLDINGS INCCOMMON STOCK70450Y103170900SH OTR209000
PEPSICO INCCOMMON STOCK7134481088404,835SH OTR204,8350
PFIZER INCCOMMON STOCK71708110368111,530SH OTR2011,5300
PHILIP MORRIS INTERNATIONALCOMMON STOCK71817210910100SH OTR201000
PHILLIPS 66COMMON STOCK718546104232SH OTR20320
PROCTER & GAMBLE COCOMMON STOCK7427181098385,120SH OTR205,1200
QUALCOMM INCCOMMON STOCK74752510345245SH OTR202450
QUEST DIAGNOSTICS INCCOMMON STOCK74834L10087500SH OTR205000
RAYTHEON TECHNOLOGIES CORPCOMMON STOCK75513E1014915,705SH OTR205,7050
SOUTHERN COMPANYCOMMON STOCK84258710741600SH OTR206000
STARBUCKS CORPCOMMON STOCK8552441092472,110SH OTR202,1100
STRYKER CORPORATIONCOMMON STOCK8636671013941,475SH OTR201,4750
SYSCO CORPCOMMON STOCK87182910721270SH OTR202700
T ROWE PRICE GROUP INCCOMMON STOCK74144T1083421,740SH OTR201,7400
TEXAS INSTRUMENTS INCCOMMON STOCK88250810431165SH OTR201650
THERMO FISHER SCIENTIFIC INCCOMMON STOCK883556102260390SH OTR203900
TJX COS INCCOMMON STOCK8725401091672,195SH OTR202,1950
TRAVELERS COMPANIES INCCOMMON STOCK89417E10919120SH OTR201200
TRUIST FINANCIAL CORPCOMMON STOCK89832Q1096100SH OTR201000
UNION PAC CORPCOMMON STOCK907818108125495SH OTR204950
UNITED PARCEL SERVICE CL BCOMMON STOCK911312106150700SH OTR207000
UNITEDHEALTH GROUP INCCOMMON STOCK91324P102173345SH OTR203450
US BANCORP NEWCOMMON STOCK9029733041672,975SH OTR202,9750
VERIZON COMMUNICATIONSCOMMON STOCK92343V1042324,467SH OTR204,4670
VERTEX PHARMACEUTICALS INCCOMMON STOCK92532F10066300SH OTR203000
VIACOMCBS INC CL BCOMMON STOCK92556H20623776SH OTR207760
VIATRIS INCCOMMON STOCK92556V106151,086SH OTR201,0860
VISA INC CL ACOMMON STOCK92826C8392771,280SH OTR201,2800
WALMART INCCOMMON STOCK93114210375520SH OTR205200
WELLS FARGO & COCOMMON STOCK949746101731,525SH OTR201,5250
WILLIAMS COS INCCOMMON STOCK969457100421,600SH OTR201,6000
YUM! BRANDS INCCOMMON STOCK98849810119135SH OTR201350
ZIMMER BIOMET HOLDINGS INCCOMMON STOCK98956P10248375SH OTR203750
3M COCOMMON STOCK88579Y1013842,160SH OTR202,1600
AMERICAN TOWER CORP REITCOMMON STOCK03027X10050170SH OTR201700
ARROW FINANCIAL CORPORATIONCOMMON STOCK04274410274321,076SH OTR2021,0760
EATON CORP PLCCOMMON STOCKG2918310386500SH OTR205000
LINDE PLCCOMMON STOCKG5494J10395275SH OTR202750
LYONDELLBASELL INDUSTRIES NVCOMMON STOCKN5374510012130SH OTR201300
MEDTRONIC PLCCOMMON STOCKG5960L10393900SH OTR209000
SCHLUMBERGER LTDCOMMON STOCK8068571087225SH OTR202250
TORONTO DOMINION BANKCOMMON STOCK8911605091602,084SH OTR202,0840
COMM. SERV. SELECT SECTOR SPDROTHER81369Y8526718,641SH OTR208,6410
CONS DISC SELECT SECTOR SPDR FOTHER81369Y4079804,796SH OTR204,7960
CONS STAPLES SELECT SECT SPDROTHER81369Y3083905,060SH OTR205,0600
ENERGY SELECT SECTOR SPDR FUNDOTHER81369Y5061753,161SH OTR203,1610
FINANCIAL SELECT SECTOR SPDR FOTHER81369Y60572618,586SH OTR2018,5860
HEALTH CARE SELECT SECTOR SPDROTHER81369Y2098826,263SH OTR206,2630
INDUSTRIAL SELECT SECTOR SPDROTHER81369Y7045995,662SH OTR205,6620
INVESCO QQQ TRUST SERIES 1OTHER46090E10353133SH OTR201330
ISHARES CORE MSCI DEV MKTSOTHER46435G3263234,779SH OTR204,7790
ISHARES CORE S&P MID-CAP ETFOTHER464287507164578SH OTR205780
ISHARES CORE S&P SMALL-CAP ETFOTHER4642878044604,021SH OTR204,0210
ISHARES MSCI ALL COUNTRY ASIAOTHER464288182446SH OTR20460
ISHARES MSCI EMERGING MKT ETFOTHER46428723419396SH OTR203960
ISHARES RUSSELL MIDCAP ETFOTHER46428749942500SH OTR205000
MATERIALS SELECT SECTOR SPDR FOTHER81369Y1003353,702SH OTR203,7020
SPDR S&P BIOTECH ETFOTHER78464A87011100SH OTR201000
SPDR S&P TELECOM ETFOTHER78464A540770SH OTR20700
SPDR S&P 500 ETF TRUSTOTHER78462F103185390SH OTR203900
TECHNOLOGY SELECT SECTOR SPDROTHER81369Y8031,99811,492SH OTR2011,4920
UTILITIES SELECT SECTOR SPDR FOTHER81369Y8861221,699SH OTR201,6990
VANGUARD MID-CAP ETFOTHER9229086294,12516,191SH OTR2016,1910
VANGUARD REAL ESTATE ETFOTHER9229085534453,840SH OTR203,8400
VANGUARD S&P 500 ETFOTHER9229083631,6693,822SH OTR203,8220
VANGUARD SMALL-CAP ETFOTHER9229087511,6307,213SH OTR207,2130
ISHARES BARCLAYS 1-3 YEAR TR EOTHER46428745743500SH OTR205000
ISHARES CORE U.S. AGGREGATEOTHER4642872263052,671SH OTR202,6710
ISHARES IBONDS DEC 2022 TERM COTHER46434VBA73110SH OTR201100
ISHARES IBONDS DEC 2023 TERM COTHER46434VAX83110SH OTR201100
ISHARES IBONDS DEC 2024 TERMOTHER46434VBG4521,993SH OTR201,9930
ISHARES IBONDS DEC 2025 TERM COTHER46434VBD13105SH OTR201050
ISHARES IBONDS DEC 2026 TERMOTHER46435GAA03105SH OTR201050
ISHARES IBONDS DEC 2028 ETFOTHER46435U515511,808SH OTR201,8080
ISHARES IBONDS DEC 2029 TERMOTHER46436E2053105SH OTR201050
ISHARES IBONDS DEC 2030 CORP EOTHER46436E726512,027SH OTR202,0270
ISHARES IBONDS DEC 2031 CORPOTHER46436E4863115SH OTR201150
ISHARES 1-5Y INV GRADE CORP ETOTHER4642886461853,427SH OTR203,4270
ISHRS IBNDS DEC 27 CORP ETFOTHER46435UAA9521,941SH OTR201,9410
VANGUARD SHORT TERM CORP BONDOTHER92206C40993811,543SH OTR2011,5430
ISHARES NATIONAL MUNI BOND ETFOTHER46428841449425SH OTR204250
ABBOTT LABSCOMMON STOCK0028241002,81520,000SH DFND320,00000
ACTIVISION BLIZZARD INCCOMMON STOCK00507V1091,16417,500SH DFND317,50000
ADOBE INCCOMMON STOCK00724F1015,67110,000SH DFND310,00000
AIR PRODUCTS & CHEMICALS INCCOMMON STOCK0091581068222,700SH DFND32,70000
ALPHABET INC CL ACOMMON STOCK02079K3055,6491,950SH DFND31,95000
AMAZON.COM INCCOMMON STOCK0231351068,2522,475SH DFND32,47500
AMGEN INCCOMMON STOCK0311621002,67711,900SH DFND311,90000
APPLE INCCOMMON STOCK03783310011,52464,900SH DFND364,90000
BANK OF AMERICA CORPCOMMON STOCK0605051043,09269,500SH DFND369,50000
BERKSHIRE HATHAWAY INC-CL BCOMMON STOCK0846707022,8559,550SH DFND39,55000
BLACKROCK INC CL ACOMMON STOCK09247X1013,0673,350SH DFND33,35000
CAPITAL ONE FINANCIAL CORPCOMMON STOCK14040H1059876,800SH DFND36,80000
CATERPILLAR INCCOMMON STOCK1491231018274,000SH DFND34,00000
CHEVRON CORPORATIONCOMMON STOCK1667641009868,400SH DFND38,40000
CISCO SYSTEMS INCCOMMON STOCK17275R1021,94930,750SH DFND330,75000
COSTCO WHOLESALE CORPCOMMON STOCK22160K1052,3134,075SH DFND34,07500
DANAHER CORPCOMMON STOCK2358511021,6455,000SH DFND35,00000
DISNEY WALT CO NEWCOMMON STOCK2546871069846,350SH DFND36,35000
DOLLAR TREE INCCOMMON STOCK2567461088576,100SH DFND36,10000
DOMINION ENERGY INCCOMMON STOCK25746U1096288,000SH DFND38,00000
DOMINOS PIZZA INCCOMMON STOCK25754A2013,1605,600SH DFND35,60000
ECOLAB INCCOMMON STOCK2788651009153,900SH DFND33,90000
EXXON MOBIL CORPCOMMON STOCK30231G10261810,100SH DFND310,10000
FEDEX CORPORATIONCOMMON STOCK31428X1061,4745,700SH DFND35,70000
GOLDMAN SACHS GROUP INCCOMMON STOCK38141G1049952,600SH DFND32,60000
HOME DEPOT INCCOMMON STOCK4370761024,52410,900SH DFND310,90000
HONEYWELL INTERNATIONAL INCCOMMON STOCK4385161062,08510,000SH DFND310,00000
INTEL CORPCOMMON STOCK4581401001,24124,100SH DFND324,10000
INTERCONTINENTAL EXCHANGE GROUCOMMON STOCK45866F1043,60426,350SH DFND326,35000
JOHNSON & JOHNSONCOMMON STOCK4781601043,16518,500SH DFND318,50000
JP MORGAN CHASE & COCOMMON STOCK46625H1003,64223,000SH DFND323,00000
MASCO CORPCOMMON STOCK5745991063,30747,100SH DFND347,10000
MCDONALDS CORPCOMMON STOCK5801351016972,600SH DFND32,60000
META PLATFORMS INC CL ACOMMON STOCK30303M1023,1959,500SH DFND39,50000
MICROSOFT CORPCOMMON STOCK59491810411,30033,600SH DFND333,60000
MORGAN STANLEYCOMMON STOCK6174464481,10911,300SH DFND311,30000
NETFLIX INCCOMMON STOCK64110L1062,9374,875SH DFND34,87500
NEXTERA ENERGY INCCOMMON STOCK65339F1015135,500SH DFND35,50000
NIKE INC-CLASS BCOMMON STOCK6541061032,00012,000SH DFND312,00000
ORACLE CORPORATIONCOMMON STOCK68389X1051,65719,000SH DFND319,00000
PAYPAL HOLDINGS INCCOMMON STOCK70450Y1031,7929,500SH DFND39,50000
PEPSICO INCCOMMON STOCK7134481082,46714,200SH DFND314,20000
PFIZER INCCOMMON STOCK7170811033,21854,500SH DFND354,50000
PROCTER & GAMBLE COCOMMON STOCK7427181092,51915,400SH DFND315,40000
QUALCOMM INCCOMMON STOCK7475251032,05711,250SH DFND311,25000
SALESFORCE.COMCOMMON STOCK79466L3024,93019,400SH DFND319,40000
SHERWIN WILLIAMS COCOMMON STOCK8243481061,9545,550SH DFND35,55000
SOUTHERN COMPANYCOMMON STOCK8425871076289,150SH DFND39,15000
STRYKER CORPORATIONCOMMON STOCK8636671012,4079,000SH DFND39,00000
SYSCO CORPCOMMON STOCK8718291071,37517,500SH DFND317,50000
THERMO FISHER SCIENTIFIC INCCOMMON STOCK8835561023,5005,245SH DFND35,24500
TJX COS INCCOMMON STOCK8725401091,75023,050SH DFND323,05000
TWITTER INCCOMMON STOCK90184L10286420,000SH DFND320,00000
UNION PAC CORPCOMMON STOCK9078181081,1344,500SH DFND34,50000
UNITED PARCEL SERVICE CL BCOMMON STOCK9113121061,9299,000SH DFND39,00000
UNITEDHEALTH GROUP INCCOMMON STOCK91324P1024,3568,675SH DFND38,67500
VERIZON COMMUNICATIONSCOMMON STOCK92343V10477915,000SH DFND315,00000
VF CORPCOMMON STOCK91820410891512,500SH DFND312,50000
VISA INC CL ACOMMON STOCK92826C8397,17933,125SH DFND333,12500
VULCAN MATERIALS COCOMMON STOCK9291601096233,000SH DFND33,00000
WALMART INCCOMMON STOCK9311421032,24315,500SH DFND315,50000
WASTE MANAGEMENT INCCOMMON STOCK94106L1092,25313,500SH DFND313,50000
WILLIAMS COS INCCOMMON STOCK96945710089634,400SH DFND334,40000
ALEXANDRIA REAL ESTATE EQUITIECOMMON STOCK0152711094462,000SH DFND32,00000
AMERICAN TOWER CORP REITCOMMON STOCK03027X1006872,350SH DFND32,35000
PUBLIC STORAGE INC REITCOMMON STOCK74460D1095431,450SH DFND31,45000
LYONDELLBASELL INDUSTRIES NVCOMMON STOCKN537451007848,500SH DFND38,50000
MEDTRONIC PLCCOMMON STOCKG5960L1031,96619,000SH DFND319,00000
BOOKING HOLDINGS INCCOMMON STOCK09857L10873SH SOLE 300
ISHARES CORE S&P 500 ETFOTHER464287200612SH SOLE 1200
VMWARE INC CL ACOMMON STOCK928563402214SH SOLE 1400
DEERE & COCOMMON STOCK244199105515SH SOLE 1500
VODAFONE GROUP SPONS ADRCOMMON STOCK92857W308018SH SOLE 1800
BOEING COCOMMON STOCK097023105525SH SOLE 2500
ECOLAB INCCOMMON STOCK278865100730SH SOLE 3000
DELL TECHNOLOGIES INC CL CCOMMON STOCK24703L202233SH SOLE 3300
INTERNATIONAL FLAVORS & FRAGRACOMMON STOCK459506101533SH SOLE 3300
ALPHABET INC CL CCOMMON STOCK02079K1079834SH SOLE 3400
UNITED PARCEL SERVICE CL BCOMMON STOCK911312106836SH SOLE 3600
SPDR S&P BIOTECH ETFOTHER78464A870440SH SOLE 4000
DOW INCCOMMON STOCK260557103345SH SOLE 4500
DUPONT DE NEMOURS INCCOMMON STOCK26614N102445SH SOLE 4500
BEST BUY CO INCCOMMON STOCK086516101550SH SOLE 5000
KIMBERLY CLARK CORPCOMMON STOCK494368103750SH SOLE 5000
KINDER MORGAN INCCOMMON STOCK49456B101150SH SOLE 5000
KRAFT HEINZ COCOMMON STOCK500754106250SH SOLE 5000
ISHARES RUSSELL 2000 ETFOTHER4642876551462SH SOLE 6200
CLOROX COMPANYCOMMON STOCK1890541091375SH SOLE 7500
CVS HEALTH CORPCOMMON STOCK126650100875SH SOLE 7500
GOLDMAN SACHS GROUP INCCOMMON STOCK38141G1042975SH SOLE 7500
MARRIOTT INTERNATIONAL INCCOMMON STOCK5719032021275SH SOLE 7500
AMGEN INCCOMMON STOCK0311621001879SH SOLE 7900
T ROWE PRICE GROUP INCCOMMON STOCK74144T1081892SH SOLE 9200
JD.COM INC CL A SPONS ADRCOMMON STOCK47215P106799SH SOLE 9900
FEDEX CORPORATIONCOMMON STOCK31428X10626100SH SOLE 10000
MORGAN STANLEYCOMMON STOCK61744644810100SH SOLE 10000
SOUTHWEST AIRLINES COCOMMON STOCK8447411084100SH SOLE 10000
VANECK GOLD MINERS ETFOTHER92189F1063100SH SOLE 10000
SPDR S&P 500 ETF TRUSTOTHER78462F10350106SH SOLE 10600
ALPHABET INC CL ACOMMON STOCK02079K305313108SH SOLE 10800
AMAZON.COM INCCOMMON STOCK023135106363109SH SOLE 10900
PRUDENTIAL FINL INCCOMMON STOCK74432010214125SH SOLE 12500
DANAHER CORPCOMMON STOCK23585110243130SH SOLE 13000
BANK OF NEW YORK MELLON CORPCOMMON STOCK0640581009150SH SOLE 15000
ENTERPRISE PRODS PARTNERS LPCOMMON STOCK2937921073150SH SOLE 15000
MASCO CORPCOMMON STOCK57459910611150SH SOLE 15000
WELLS FARGO & COCOMMON STOCK9497461017150SH SOLE 15000
ILLINOIS TOOL WKS INCCOMMON STOCK45230810939157SH SOLE 15700
PEPSICO INCCOMMON STOCK71344810828160SH SOLE 16000
AUTOMATIC DATA PROCESSING INCCOMMON STOCK05301510344180SH SOLE 18000
BLACKROCK INC CL ACOMMON STOCK09247X101171187SH SOLE 18700
COHEN & STEERS INFRASTRUCTUREOTHER19248A1096200SH SOLE 20000
ISHARES U.S. INFRASTRUCTURE ETOTHER46435U7138200SH SOLE 20000
BLOCK INC CL ACOMMON STOCK85223410335216SH SOLE 21600
COSTCO WHOLESALE CORPCOMMON STOCK22160K105133235SH SOLE 23500
ISHARES BARCLAYS 1-3 YEAR TR EOTHER46428745721242SH SOLE 24200
RAYTHEON TECHNOLOGIES CORPCOMMON STOCK75513E10121245SH SOLE 24500
ISHARES IBONDS DEC 2022 TERM COTHER46434VBA76254SH SOLE 25400
THERMO FISHER SCIENTIFIC INCCOMMON STOCK883556102173259SH SOLE 25900
ACTIVISION BLIZZARD INCCOMMON STOCK00507V10917260SH SOLE 26000
AMERICAN WATER WORKS CO INCCOMMON STOCK03042010349261SH SOLE 26100
COLGATE PALMOLIVE COCOMMON STOCK19416210325290SH SOLE 29000
ADOBE INCCOMMON STOCK00724F101170300SH SOLE 30000
MONDELEZ INTERNATIONAL INCCOMMON STOCK60920710520300SH SOLE 30000
CONSTELLATION BRANDS INCCOMMON STOCK21036P10876303SH SOLE 30300
META PLATFORMS INC CL ACOMMON STOCK30303M102102303SH SOLE 30300
LYONDELLBASELL INDUSTRIES NVCOMMON STOCKN5374510030320SH SOLE 32000
GILEAD SCIENCES INCCOMMON STOCK37555810324335SH SOLE 33500
UNITEDHEALTH GROUP INCCOMMON STOCK91324P102168335SH SOLE 33500
ENERGY SELECT SECTOR SPDR FUNDOTHER81369Y50619344SH SOLE 34400
GENERAL MLS INCCOMMON STOCK37033410424350SH SOLE 35000
NEXTERA ENERGY INCCOMMON STOCK65339F10134360SH SOLE 36000
SALESFORCE.COMCOMMON STOCK79466L30294370SH SOLE 37000
CUMMINS INCCOMMON STOCK23102110683380SH SOLE 38000
NETFLIX INCCOMMON STOCK64110L106231384SH SOLE 38400
WALMART INCCOMMON STOCK93114210358401SH SOLE 40100
INTL. BUSINESS MACHINES CORPCOMMON STOCK45920010154407SH SOLE 40700
MASTERCARD INC CL ACOMMON STOCK57636Q104146407SH SOLE 40700
CATERPILLAR INCCOMMON STOCK14912310186415SH SOLE 41500
BERKSHIRE HATHAWAY INC-CL BCOMMON STOCK084670702132443SH SOLE 44300
ALTRIA GROUP INCCOMMON STOCK02209S10321450SH SOLE 45000
CONS STAPLES SELECT SECT SPDROTHER81369Y30836470SH SOLE 47000
MCDONALDS CORPCOMMON STOCK580135101127473SH SOLE 47300
SCHLUMBERGER LTDCOMMON STOCK80685710815500SH SOLE 50000
CONS DISC SELECT SECTOR SPDR FOTHER81369Y407102500SH SOLE 50000
GENERAL DYNAMICS CORPCOMMON STOCK369550108108519SH SOLE 51900
NIKE INC-CLASS BCOMMON STOCK65410610389535SH SOLE 53500
CHEVRON CORPORATIONCOMMON STOCK16676410067574SH SOLE 57400
SYSCO CORPCOMMON STOCK87182910745578SH SOLE 57800
JACOBS ENGINEERING GROUP INCCOMMON STOCK46981410781580SH SOLE 58000
TRAVELERS COMPANIES INCCOMMON STOCK89417E10991582SH SOLE 58200
YUM! BRANDS INCCOMMON STOCK98849810183595SH SOLE 59500
ISHARES NEW YORK MUNI BOND ETFOTHER46428832335607SH SOLE 60700
LOWES COS INCCOMMON STOCK548661107161624SH SOLE 62400
INDUSTRIAL SELECT SECTOR SPDROTHER81369Y70470660SH SOLE 66000
MERCK & CO INCCOMMON STOCK58933Y10552675SH SOLE 67500
MICROCHIP TECHNOLOGY INCCOMMON STOCK59501710459675SH SOLE 67500
ISHARES 1-5Y INV GRADE CORP ETOTHER46428864637678SH SOLE 67800
CONOCOPHILLIPSCOMMON STOCK20825C10450688SH SOLE 68800
COMM. SERV. SELECT SECTOR SPDROTHER81369Y85254700SH SOLE 70000
STRYKER CORPORATIONCOMMON STOCK863667101190711SH SOLE 71100
UNION PAC CORPCOMMON STOCK907818108180716SH SOLE 71600
GENERAL ELECTRIC COCOMMON STOCK36960430168723SH SOLE 72300
TEXAS INSTRUMENTS INCCOMMON STOCK882508104138732SH SOLE 73200
HONEYWELL INTERNATIONAL INCCOMMON STOCK438516106154740SH SOLE 74000
ABBOTT LABSCOMMON STOCK002824100106753SH SOLE 75300
HOME DEPOT INCCOMMON STOCK437076102324780SH SOLE 78000
DOLLAR TREE INCCOMMON STOCK256746108110785SH SOLE 78500
HEALTH CARE SELECT SECTOR SPDROTHER81369Y209113800SH SOLE 80000
ISHARES RUSSELL MIDCAP ETFOTHER46428749966800SH SOLE 80000
QUALCOMM INCCOMMON STOCK747525103161878SH SOLE 87800
PROCTER & GAMBLE COCOMMON STOCK742718109153933SH SOLE 93300
STARBUCKS CORPCOMMON STOCK855244109110938SH SOLE 93800
TECHNOLOGY SELECT SECTOR SPDROTHER81369Y8031741,000SH SOLE 1,00000
UTILITIES SELECT SECTOR SPDR FOTHER81369Y886731,017SH SOLE 1,01700
PAYPAL HOLDINGS INCCOMMON STOCK70450Y1032051,087SH SOLE 1,08700
VISA INC CL ACOMMON STOCK92826C8392471,140SH SOLE 1,14000
INTERCONTINENTAL EXCHANGE GROUCOMMON STOCK45866F1041671,218SH SOLE 1,21800
ISHARES IBONDS DEC 2030 CORP EOTHER46436E726321,258SH SOLE 1,25800
JOHNSON & JOHNSONCOMMON STOCK4781601042211,292SH SOLE 1,29200
PAYCHEX INCCOMMON STOCK7043261071821,330SH SOLE 1,33000
DISNEY WALT CO NEWCOMMON STOCK2546871062221,436SH SOLE 1,43600
MICROSOFT CORPCOMMON STOCK5949181044941,470SH SOLE 1,47000
TJX COS INCCOMMON STOCK8725401091121,478SH SOLE 1,47800
JP MORGAN CHASE & COCOMMON STOCK46625H1002351,485SH SOLE 1,48500
INTEL CORPCOMMON STOCK458140100771,488SH SOLE 1,48800
ISHARES IBONDS DEC 2023 TERM COTHER46434VAX8381,497SH SOLE 1,49700
US BANCORP NEWCOMMON STOCK902973304851,518SH SOLE 1,51800
ISHARES IBONDS DEC 2029 TERMOTHER46436E205451,712SH SOLE 1,71200
MATERIALS SELECT SECTOR SPDR FOTHER81369Y1001701,876SH SOLE 1,87600
COCA COLA COCOMMON STOCK1912161001202,031SH SOLE 2,03100
ORACLE CORPORATIONCOMMON STOCK68389X1051822,089SH SOLE 2,08900
BRISTOL MYERS SQUIBB COCOMMON STOCK1101221081312,108SH SOLE 2,10800
CISCO SYSTEMS INCCOMMON STOCK17275R1021492,357SH SOLE 2,35700
EXXON MOBIL CORPCOMMON STOCK30231G1021462,385SH SOLE 2,38500
WILLIAMS COS INCCOMMON STOCK969457100692,666SH SOLE 2,66600
ISHARES CORE S&P MID-CAP ETFOTHER4642875077842,769SH SOLE 2,76900
BANK OF AMERICA CORPCOMMON STOCK0605051041262,838SH SOLE 2,83800
VERIZON COMMUNICATIONSCOMMON STOCK92343V1041522,919SH SOLE 2,91900
INVESCO QQQ TRUST SERIES 1OTHER46090E1031,2073,034SH SOLE 3,03400
NUVEEN ESG SMALL-CAP ETFOTHER67092P6071413,353SH SOLE 3,35300
PFIZER INCCOMMON STOCK7170811032023,413SH SOLE 3,41300
AT&T INCCOMMON STOCK00206R102873,550SH SOLE 3,55000
ISHARES IBONDS DEC 2028 ETFOTHER46435U5151013,576SH SOLE 3,57600
ISHRS IBNDS DEC 27 CORP ETFOTHER46435UAA9983,683SH SOLE 3,68300
ISHARES IBONDS DEC 2024 TERMOTHER46434VBG41164,456SH SOLE 4,45600
ISHARES IBONDS DEC 2025 TERM COTHER46434VBD11294,885SH SOLE 4,88500
ISHARES IBONDS DEC 2026 TERMOTHER46435GAA01294,963SH SOLE 4,96300
ISHARES CORE U.S. AGGREGATEOTHER4642872267156,271SH SOLE 6,27100
APPLE INCCOMMON STOCK0378331001,3397,542SH SOLE 7,54200
VANGUARD SMALL-CAP ETFOTHER9229087511,7077,551SH SOLE 7,55100
ISHARES CORE S&P SMALL-CAP ETFOTHER4642878041,37712,027SH SOLE 12,02700
VANGUARD MID-CAP ETFOTHER9229086294,26616,746SH SOLE 16,74600
VANGUARD TOTAL BOND MARKET ETFOTHER9219378351,43516,927SH SOLE 16,92700
VANGUARD SHORT TERM CORP BONDOTHER92206C4091,65320,345SH SOLE 20,34500
ARROW FINANCIAL CORPORATIONCOMMON STOCK04274410274621,171SH SOLE 21,17100
VANGUARD S&P 500 ETFOTHER9229083639,35621,430SH SOLE 21,43000
ISHARES CORE MSCI DEV MKTSOTHER46435G3261,82126,957SH SOLE 26,95700
ISHARES ESG AWARE USD CORP BONOTHER46435G1931,39251,024SH SOLE 51,02400
ISHARES ESG AWARE 1-5 YEAR USDOTHER46435G2431,68365,616SH SOLE 65,61600
ABBOTT LABSCOMMON STOCK00282410028200SH OTR 02000
ABBVIE INCCOMMON STOCK00287Y10927200SH OTR 02000
AMERICAN EXPRESS COCOMMON STOCK02581610949300SH OTR 03000
AMGEN INCCOMMON STOCK03116210034150SH OTR 01500
ANALOG DEVICES INCCOMMON STOCK03265410531175SH OTR 01750
APPLE INCCOMMON STOCK03783310075420SH OTR 04200
AT&T INCCOMMON STOCK00206R1027300SH OTR 03000
BRISTOL MYERS SQUIBB COCOMMON STOCK11012210816250SH OTR 02500
CHEVRON CORPORATIONCOMMON STOCK16676410022190SH OTR 01900
CISCO SYSTEMS INCCOMMON STOCK17275R10225400SH OTR 04000
COLGATE PALMOLIVE COCOMMON STOCK19416210317200SH OTR 02000
DANAHER CORPCOMMON STOCK23585110233101SH OTR 01010
DISNEY WALT CO NEWCOMMON STOCK25468710631200SH OTR 02000
DOMINION ENERGY INCCOMMON STOCK25746U10916200SH OTR 02000
DOW INCCOMMON STOCK260557103466SH OTR 0660
DUPONT DE NEMOURS INCCOMMON STOCK26614N102566SH OTR 0660
EXXON MOBIL CORPCOMMON STOCK30231G10213220SH OTR 02200
GENERAL MLS INCCOMMON STOCK3703341047100SH OTR 01000
HOME DEPOT INCCOMMON STOCK43707610242100SH OTR 01000
INTEL CORPCOMMON STOCK45814010021400SH OTR 04000
INTL. BUSINESS MACHINES CORPCOMMON STOCK45920010113100SH OTR 01000
JOHNSON & JOHNSONCOMMON STOCK47816010426150SH OTR 01500
KYNDRYL HOLDINGS INCCOMMON STOCK50155Q100020SH OTR 0200
MARRIOTT INTERNATIONAL INCCOMMON STOCK571903202848SH OTR 0480
MCDONALDS CORPCOMMON STOCK58013510127100SH OTR 01000
MICROSOFT CORPCOMMON STOCK594918104135400SH OTR 04000
ORACLE CORPORATIONCOMMON STOCK68389X10526300SH OTR 03000
PEPSICO INCCOMMON STOCK71344810826150SH OTR 01500
PROCTER & GAMBLE COCOMMON STOCK74271810925150SH OTR 01500
T ROWE PRICE GROUP INCCOMMON STOCK74144T10849250SH OTR 02500
TJX COS INCCOMMON STOCK87254010930400SH OTR 04000
VISA INC CL ACOMMON STOCK92826C8391570SH OTR 0700
WELLS FARGO & COCOMMON STOCK94974610129600SH OTR 06000
VANGUARD MID-CAP ETFOTHER922908629113443SH OTR 04430
VANGUARD SMALL-CAP ETFOTHER92290875136158SH OTR 01580