UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F
FORM 13F COVER PAGE
Report for the Calendar Year or Quarter Ended: 12/31/2006
Check here if Amendment [ ] Amendment Number:
This Amendment [ ] is a restatement
[ ] adds new holding entries
Institutional Investment Manager Filing this Report:
Name: ARROW FINANCIAL CORP.
Address: 250 GLEN STREET
GLENS FALLS, NY 12801
13F File Number: 28-12533
The institutional investment Manager filing this report and the
person by whom it is signed hereby represent that the person signing
the report is authorized to submit it, that all
information contained herein is true, correct and complete, and
that it is understood that all required items, statements,
schedules, lists, and tables, are considered integral parts of
this form.
Person Signing this Report on Behalf of Reporting Manager:
Name: TERRY R. GOODEMOTE
Title: SENIOR VICE PRESIDENT AND CHIEF FINANCIAL OFFICER
Phone: (518)745-1000 EXT. 512
Signature, Place, and Date of Signing:
S/ TERRY R. GOODEMOTE GLENS FALLS, NEW YORK 07/27/2007
Report Type (Check only one)
[X] 13F HOLDINGS REPORT
[ ] 13F NOTICE
[ ] 13F COMBINATION REPORT
FORM 13F SUMMARY PAGE
Report Summary:
Number of Other Included Managers: 2
Form 13F Information Table Entry Total: 623
Form 13F Information Table Value Total: $ 303,033
List of Other Included Managers:
No. 13F File Number Name
2 28-03696 GLENS FALLS NATIONAL BANK
3 28-12534 NORTH COUNTRY INV. ADVISERS, INC
FORM 13F INFORMATION TABLE
TITLE VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER OF CLASS CUSIP (X $1000) PRN AMOUNTPRN CALL DISCRTN MANAGERS SOLE SHARED NONE
AFLAC INCORPORATED COM 001055102 228 4950 SH DEFINED 2 4950
AFLAC INCORPORATED COM 001055102 117 2550 SH OTHER 2 2550
AT&T INC COM 00206R102 48 1350 SH SOLE 1350
AT&T INC COM 00206R102 46 1300 SH OTHER 1300
AT&T INC COM 00206R102 588 16438 SH DEFINED 2 16438
AT&T INC COM 00206R102 315 8807 SH OTHER 2 8807
AT&T INC COM 00206R102 894 25000 SH DEFINED 3 25000
ABBOTT LABORATORIES COM 002824100 62 1275 SH SOLE 1275
ABBOTT LABORATORIES COM 002824100 46 950 SH OTHER 950
ABBOTT LABORATORIES COM 002824100 1632 33512 SH DEFINED 2 33512
ABBOTT LABORATORIES COM 002824100 428 8795 SH OTHER 2 8795
ABBOTT LABORATORIES COM 002824100 1948 40000 SH DEFINED 3 40000
AIR PRODUCTS & CHEMICALS INC COM 009158106 184 2624 SH DEFINED 2 2624
AIR PRODUCTS & CHEMICALS INC COM 009158106 267 3800 SH OTHER 2 3800
ALCOA INC COM 013817101 3 100 SH SOLE 100
ALCOA INC COM 013817101 266 8851 SH DEFINED 2 8851
ALCOA INC COM 013817101 27 900 SH OTHER 2 900
ALCATEL COM 013904305 1 71 SH DEFINED 2 71
ALLSTATE CORP COM 020002101 13 200 SH DEFINED 2 200
ALLTEL CORP COM 020039103 39 650 SH SOLE 650
ALLTEL CORP COM 020039103 773 12775 SH DEFINED 2 12775
ALLTEL CORP COM 020039103 88 1450 SH OTHER 2 1450
ALLTEL CORP COM 020039103 877 14500 SH DEFINED 3 14500
ALTRIA GROUP INC COM 02209S103 51 600 SH SOLE 600
ALTRIA GROUP INC COM 02209S103 142 1655 SH DEFINED 2 1655
ALTRIA GROUP INC COM 02209S103 2875 33504 SH OTHER 2 33504
AMERICAN ELECTRIC POWER CO COM 025537101 37 860 SH DEFINED 2 860
AMERICAN EXPRESS CO COM 025816109 67 1100 SH SOLE 1100
AMERICAN EXPRESS CO COM 025816109 42 700 SH OTHER 700
AMERICAN EXPRESS CO COM 025816109 2084 34350 SH DEFINED 2 34350
AMERICAN EXPRESS CO COM 025816109 856 14115 SH OTHER 2 14115
AMERICAN EXPRESS CO COM 025816109 2427 40000 SH DEFINED 3 40000
AMER INTL GROUP INC COM 026874107 11 150 SH OTHER 150
AMER INTL GROUP INC COM 026874107 411 5742 SH DEFINED 2 5742
AMER INTL GROUP INC COM 026874107 663 9257 SH OTHER 2 9257
AMERIPRISE FINL INC COM 03076C106 5 100 SH DEFINED 2 100
AMGEN INC COM 031162100 42 610 SH SOLE 610
AMGEN INC COM 031162100 10 150 SH OTHER 150
AMGEN INC COM 031162100 1628 23833 SH DEFINED 2 23833
AMGEN INC COM 031162100 355 5200 SH OTHER 2 5200
AMGEN INC COM 031162100 1230 18000 SH DEFINED 3 18000
ANALOG DEVICES, INC. COM 032654105 92 2800 SH DEFINED 2 2800
ANALOG DEVICES, INC. COM 032654105 33 1000 SH OTHER 2 1000
ANHEUSER BUSCH CO COM 035229103 220 4480 SH DEFINED 2 4480
ANHEUSER BUSCH CO COM 035229103 1038 21089 SH OTHER 2 21089
APACHE CORP COM 037411105 7 110 SH SOLE 110
APACHE CORP COM 037411105 22 325 SH OTHER 325
APACHE CORP COM 037411105 400 6021 SH DEFINED 2 6021
APACHE CORP COM 037411105 70 1050 SH OTHER 2 1050
APACHE CORP COM 037411105 732 11000 SH DEFINED 3 11000
APPLE INC COM 037833100 21 250 SH SOLE 250
APPLE INC COM 037833100 687 8100 SH DEFINED 2 8100
APPLE INC COM 037833100 261 3075 SH OTHER 2 3075
APPLE INC COM 037833100 1697 20000 SH DEFINED 3 20000
APPLIED MATERIALS INC COM 038222105 7 400 SH DEFINED 2 400
APPLIED MATERIALS INC COM 038222105 2 100 SH OTHER 2 100
AQUA AMER INC COM 03836W103 9 400 SH OTHER 400
AQUA AMER INC COM 03836W103 8 333 SH DEFINED 2 333
AQUA AMER INC COM 03836W103 36 1598 SH OTHER 2 1598
AQUA AMER INC COM 03836W103 395 17333 SH DEFINED 3 17333
ARCH COAL INC COM 039380100 79 2625 SH DEFINED 2 2625
ARCH COAL INC COM 039380100 30 1000 SH OTHER 2 1000
ARCH COAL INC COM 039380100 691 23000 SH DEFINED 3 23000
ARMSTRONG COM 04247X102 6 146 SH DEFINED 2 146
ARROW COM 042744102 3 105 SH SOLE 105
ARROW COM 042744102 29890 1206692 SH DEFINED 2 1206692
ARROW COM 042744102 650 26231 SH OTHER 2 26231
AUTOMATIC DATA PROCESSING COM 053015103 59 1195 SH SOLE 1195
AUTOMATIC DATA PROCESSING COM 053015103 49 1000 SH OTHER 1000
AUTOMATIC DATA PROCESSING COM 053015103 1083 21982 SH DEFINED 2 21982
AUTOMATIC DATA PROCESSING COM 053015103 506 10280 SH OTHER 2 10280
AUTOMATIC DATA PROCESSING COM 053015103 1478 30000 SH DEFINED 3 30000
AVAYA INC COM 053499109 1 100 SH DEFINED 2 100
AVON PRODUCTS INC COM 054303102 13 400 SH OTHER 2 400
BCE INC COM 05534B760 99 3660 SH DEFINED 2 3660
BJ SERVICES CO. COM 055482103 17 575 SH OTHER 575
BJ SERVICES CO. COM 055482103 325 11100 SH DEFINED 2 11100
BJ SERVICES CO. COM 055482103 153 5230 SH OTHER 2 5230
BJ SERVICES CO. COM 055482103 1466 50000 SH DEFINED 3 50000
BP PLC COM 055622104 54 800 SH SOLE 800
BP PLC COM 055622104 1408 20980 SH DEFINED 2 20980
BP PLC COM 055622104 1601 23862 SH OTHER 2 23862
BAKER HUGHES INC COM 057224107 7 100 SH SOLE 100
BAKER HUGHES INC COM 057224107 22 300 SH OTHER 300
BAKER HUGHES INC COM 057224107 351 4700 SH DEFINED 2 4700
BAKER HUGHES INC COM 057224107 101 1350 SH OTHER 2 1350
BAKER HUGHES INC COM 057224107 1941 26000 SH DEFINED 3 26000
BANK OF AMERICA CORP COM 060505104 75 1400 SH SOLE 1400
BANK OF AMERICA CORP COM 060505104 27 500 SH OTHER 500
BANK OF AMERICA CORP COM 060505104 1860 34832 SH DEFINED 2 34832
BANK OF AMERICA CORP COM 060505104 522 9775 SH OTHER 2 9775
BANK OF AMERICA CORP COM 060505104 2349 44000 SH DEFINED 3 44000
BANK OF NY CO INC COM 064057102 38 975 SH SOLE 975
BANK OF NY CO INC COM 064057102 33 850 SH OTHER 850
BANK OF NY CO INC COM 064057102 1063 27007 SH DEFINED 2 27007
BANK OF NY CO INC COM 064057102 348 8850 SH OTHER 2 8850
BANK OF NY CO INC COM 064057102 2205 56000 SH DEFINED 3 56000
BARRICK GOLD COM 067901108 3 100 SH SOLE 100
BARRICK GOLD COM 067901108 15 500 SH DEFINED 2 500
BAXTER INTL INC COM 071813109 21 450 SH SOLE 450
BAXTER INTL INC COM 071813109 42 900 SH OTHER 900
BAXTER INTL INC COM 071813109 583 12575 SH DEFINED 2 12575
BAXTER INTL INC COM 071813109 286 6163 SH OTHER 2 6163
BAXTER INTL INC COM 071813109 1345 29000 SH DEFINED 3 29000
BECTON DICKINSON CO COM 075887109 4 50 SH OTHER 2 50
BEST BUY CO COM 086516101 285 5799 SH DEFINED 2 5799
BEST BUY CO COM 086516101 186 3774 SH OTHER 2 3774
BIG LOTS INC COM 089302103 2 100 SH DEFINED 2 100
BLACKROCK MUT 09254F100 21 1500 SH DEFINED 2 1500
BOEING COMPANY COM 097023105 18 200 SH DEFINED 2 200
BOEING COMPANY COM 097023105 80 900 SH OTHER 2 900
BOSTON SCIENTIFIC CORP COM 101137107 5 265 SH DEFINED 2 265
BRINKER INT'L COM 109641100 43 1425 SH DEFINED 2 1425
BRISTOL MYERS SQUIBB COM 110122108 194 7361 SH DEFINED 2 7361
BRISTOL MYERS SQUIBB COM 110122108 120 4550 SH OTHER 2 4550
BROWN FOREMAN DISTILLERS CORP COM 115637100 29 432 SH DEFINED 2 432
BROWN FOREMAN DISTILLERS CORP COM 115637209 27 402 SH DEFINED 2 402
BURLINGTON NORTHERN COM 12189T104 4 50 SH SOLE 50
BURLINGTON NORTHERN COM 12189T104 225 3050 SH DEFINED 2 3050
BURLINGTON NORTHERN COM 12189T104 20 275 SH OTHER 2 275
BURLINGTON NORTHERN COM 12189T104 738 10000 SH DEFINED 3 10000
CVS/CAREMARK CORP COM 126650100 12 400 SH SOLE 400
CVS/CAREMARK CORP COM 126650100 452 14625 SH DEFINED 2 14625
CVS/CAREMARK CORP COM 126650100 40 1300 SH OTHER 2 1300
CAMPBELL SOUP COM 134429109 12 300 SH DEFINED 2 300
CAMPBELL SOUP COM 134429109 3 80 SH OTHER 2 80
CARNIVAL COM 143658300 5 100 SH OTHER 100
CARNIVAL COM 143658300 169 3442 SH DEFINED 2 3442
CARNIVAL COM 143658300 34 700 SH OTHER 2 700
CASELLA WASTE SYSTEMS INC COM 147448104 55 4500 SH DEFINED 2 4500
CATERPILLAR INC COM 149123101 21 350 SH DEFINED 2 350
CATERPILLAR INC COM 149123101 44 725 SH OTHER 2 725
CENTURYTEL INC COM 156700106 24 550 SH OTHER 2 550
CERNER CORP COM 156782104 18 400 SH DEFINED 2 400
CHESAPEAKE ENERGY COM 165167107 6 200 SH DEFINED 2 200
CHEVRON CORPORATION COM 166764100 110 1497 SH SOLE 1497
CHEVRON CORPORATION COM 166764100 86 1175 SH OTHER 1175
CHEVRON CORPORATION COM 166764100 1409 19165 SH DEFINED 2 19165
CHEVRON CORPORATION COM 166764100 775 10546 SH OTHER 2 10546
CHEVRON CORPORATION COM 166764100 956 13000 SH DEFINED 3 13000
CHUBB CORP COM 171232101 16 300 SH SOLE 300
CISCO SYSTEMS COM 17275R102 70 2575 SH SOLE 2575
CISCO SYSTEMS COM 17275R102 5 200 SH OTHER 200
CISCO SYSTEMS COM 17275R102 2010 73558 SH DEFINED 2 73558
CISCO SYSTEMS COM 17275R102 890 32575 SH OTHER 2 32575
CISCO SYSTEMS COM 17275R102 1530 56000 SH DEFINED 3 56000
CITIGROUP INC COM 172967101 70 1250 SH SOLE 1250
CITIGROUP INC COM 172967101 38 675 SH OTHER 675
CITIGROUP INC COM 172967101 1903 34160 SH DEFINED 2 34160
CITIGROUP INC COM 172967101 1007 18075 SH OTHER 2 18075
CITIGROUP INC COM 172967101 1922 34500 SH DEFINED 3 34500
COCA COLA CO. COM 191216100 42 864 SH DEFINED 2 864
COCA COLA CO. COM 191216100 46 950 SH OTHER 2 950
COGNIZANT TECH SOLUTIONS COM 192446102 39 500 SH DEFINED 2 500
COLGATE-PALMOLIVE CO COM 194162103 34 525 SH SOLE 525
COLGATE-PALMOLIVE CO COM 194162103 46 700 SH OTHER 700
COLGATE-PALMOLIVE CO COM 194162103 939 14395 SH DEFINED 2 14395
COLGATE-PALMOLIVE CO COM 194162103 453 6950 SH OTHER 2 6950
COLGATE-PALMOLIVE CO COM 194162103 1435 22000 SH DEFINED 3 22000
COMCAST CORP NEW COM 20030N101 6 137 SH DEFINED 2 137
COMCAST CORP NEW COM 20030N101 11 250 SH OTHER 2 250
COMMUNITY BANK SYSTEMS INC COM 203607106 23 1000 SH SOLE 1000
CONAGRA COM 205887102 3 100 SH DEFINED 2 100
CONNECTICUT WATER SERVICE INC COM 207797101 5 200 SH OTHER 2 200
CONOCOPHILLIPS COM 20825C104 59 815 SH SOLE 815
CONOCOPHILLIPS COM 20825C104 1261 17531 SH DEFINED 2 17531
CONOCOPHILLIPS COM 20825C104 385 5356 SH OTHER 2 5356
CORNING INC COM 219350105 124 6650 SH DEFINED 2 6650
CORNING INC COM 219350105 468 25000 SH DEFINED 3 25000
COSTCO WHOLESALE CORP NEW COM 22160K105 71 1350 SH DEFINED 2 1350
COSTCO WHOLESALE CORP NEW COM 22160K105 50 950 SH OTHER 2 950
COSTCO WHOLESALE CORP NEW COM 22160K105 899 17000 SH DEFINED 3 17000
CYTYC CORP COM 232946103 47 1655 SH DEFINED 2 1655
DTE ENERGY CO. COM 233331107 10 199 SH DEFINED 2 199
DANAHER CORP COM 235851102 36 500 SH SOLE 500
DANAHER CORP COM 235851102 29 400 SH OTHER 400
DANAHER CORP COM 235851102 1569 21660 SH DEFINED 2 21660
DANAHER CORP COM 235851102 368 5075 SH OTHER 2 5075
DARDEN RESTAURANTS INC COM 237194105 10 260 SH DEFINED 2 260
DEERE & CO COM 244199105 19 200 SH DEFINED 2 200
DENTSPLY INTL COM 249030107 96 3200 SH DEFINED 2 3200
DENTSPLY INTL COM 249030107 25 850 SH OTHER 2 850
WALT DISNEY COMPANY COM 254687106 29 850 SH SOLE 850
WALT DISNEY COMPANY COM 254687106 812 23700 SH DEFINED 2 23700
WALT DISNEY COMPANY COM 254687106 571 16650 SH OTHER 2 16650
WALT DISNEY COMPANY COM 254687106 480 14000 SH DEFINED 3 14000
DOLLAR GENERAL CORP COM 256669102 40 2500 SH DEFINED 2 2500
DOLLAR TREE STORES COM 256747106 79 2630 SH DEFINED 2 2630
DOMINION RES INC VA NEW COM 25746U109 43 515 SH SOLE 515
DOMINION RES INC VA NEW COM 25746U109 21 250 SH OTHER 250
DOMINION RES INC VA NEW COM 25746U109 1336 15933 SH DEFINED 2 15933
DOMINION RES INC VA NEW COM 25746U109 411 4900 SH OTHER 2 4900
DOMINION RES INC VA NEW COM 25746U109 838 10000 SH DEFINED 3 10000
DOVER CORP COM 260003108 154 3150 SH DEFINED 2 3150
DOVER CORP COM 260003108 28 575 SH OTHER 2 575
DOW CHEMICAL CO COM 260543103 16 400 SH OTHER 400
DOW CHEMICAL CO COM 260543103 51 1275 SH OTHER 2 1275
EI DUPONT DE NEMOURS & CO COM 263534109 24 500 SH SOLE 500
EI DUPONT DE NEMOURS & CO COM 263534109 391 8025 SH DEFINED 2 8025
EI DUPONT DE NEMOURS & CO COM 263534109 205 4200 SH OTHER 2 4200
DUKE ENERGY HLDG CORP COM 26441C105 58 1746 SH DEFINED 2 1746
DUKE ENERGY HLDG CORP COM 26441C105 40 1200 SH OTHER 2 1200
EMC CORP COM 268648102 1 100 SH DEFINED 2 100
EAST WEST BANCORP COM 27579R104 18 500 SH OTHER 2 500
EATON CORP COM 278058102 38 500 SH SOLE 500
EATON CORP COM 278058102 135 1800 SH OTHER 2 1800
EBAY INC COM 278642103 72 2400 SH DEFINED 2 2400
EBAY INC COM 278642103 35 1150 SH OTHER 2 1150
ECOLAB INC COM 278865100 32 700 SH SOLE 700
ECOLAB INC COM 278865100 972 21504 SH DEFINED 2 21504
ECOLAB INC COM 278865100 259 5725 SH OTHER 2 5725
ECOLAB INC COM 278865100 1017 22500 SH DEFINED 3 22500
EDWARD LIFESCIENCES CORP COM 28176E108 9 200 SH DEFINED 2 200
ELECTRONIC ARTS INC COM 285512109 60 1200 SH DEFINED 2 1200
ELECTRONIC ARTS INC COM 285512109 3 60 SH OTHER 2 60
EMERSON ELECTRIC CO COM 291011104 9 200 SH SOLE 200
EMERSON ELECTRIC CO COM 291011104 9 200 SH OTHER 200
EMERSON ELECTRIC CO COM 291011104 719 16300 SH DEFINED 2 16300
EMERSON ELECTRIC CO COM 291011104 419 9500 SH OTHER 2 9500
ENCANA CORP COM 292505104 99 2150 SH DEFINED 2 2150
ENCANA CORP COM 292505104 113 2450 SH OTHER 2 2450
EXELON CORP COM 30161N101 37 600 SH DEFINED 2 600
EXXON MOBIL CORP COM 30231G102 239 3120 SH SOLE 3120
EXXON MOBIL CORP COM 30231G102 105 1375 SH OTHER 1375
EXXON MOBIL CORP COM 30231G102 7246 94558 SH DEFINED 2 94558
EXXON MOBIL CORP COM 30231G102 2710 35360 SH OTHER 2 35360
EXXON MOBIL CORP COM 30231G102 1035 13500 SH DEFINED 3 13500
FPL GROUP INC COM 302571104 84 1550 SH DEFINED 2 1550
FAMILY DOLLAR STORES COM 307000109 3 100 SH DEFINED 2 100
FED HOME LOAN MORT CORP COM 313400301 8 116 SH DEFINED 2 116
FED NATL MORT ASSOC COM 313586109 93 1560 SH DEFINED 2 1560
FED NATL MORT ASSOC COM 313586109 42 700 SH OTHER 2 700
FEDEX CORPORATION COM 31428X106 54 500 SH DEFINED 2 500
FIFTH THIRD BANCORP COM 316773100 41 1000 SH OTHER 2 1000
FINANCIAL INSTITUTIONS INC COM 317585404 2 100 SH OTHER 2 100
FIRST DATA CORP COM 319963104 66 2600 SH DEFINED 2 2600
FIRST DATA CORP COM 319963104 4 150 SH OTHER 2 150
FIRST NIAGARA COM 33582V108 4 285 SH DEFINED 2 285
FORD MOTOR CO COM 345370860 8 1000 SH DEFINED 2 1000
FOREST LABS INC COM 345838106 10 200 SH DEFINED 2 200
FORTUNE BRANDS INC COM 349631101 68 800 SH DEFINED 2 800
FRANKLIN RESOURCES COM 354613101 39 350 SH DEFINED 2 350
GANNETT COMPANY INC COM 364730101 42 700 SH DEFINED 2 700
GAP, INC. COM 364760108 2 100 SH OTHER 2 100
GENERAL DYNAMICS COM 369550108 53 715 SH SOLE 715
GENERAL DYNAMICS COM 369550108 30 400 SH OTHER 400
GENERAL DYNAMICS COM 369550108 774 10405 SH DEFINED 2 10405
GENERAL DYNAMICS COM 369550108 341 4590 SH OTHER 2 4590
GENERAL DYNAMICS COM 369550108 1041 14000 SH DEFINED 3 14000
GENERAL ELECTRIC CO COM 369604103 141 3801 SH SOLE 3801
GENERAL ELECTRIC CO COM 369604103 56 1500 SH OTHER 1500
GENERAL ELECTRIC CO COM 369604103 6176 165973 SH DEFINED 2 165973
GENERAL ELECTRIC CO COM 369604103 4088 109872 SH OTHER 2 109872
GENERAL ELECTRIC CO COM 369604103 2233 60000 SH DEFINED 3 60000
GENERAL MILLS INC COM 370334104 29 500 SH SOLE 500
GENERAL MILLS INC COM 370334104 46 800 SH OTHER 800
GENERAL MILLS INC COM 370334104 942 16357 SH DEFINED 2 16357
GENERAL MILLS INC COM 370334104 311 5400 SH OTHER 2 5400
GENERAL MILLS INC COM 370334104 2091 36300 SH DEFINED 3 36300
GENUINE PARTS CO COM 372460105 5 100 SH SOLE 100
GENUINE PARTS CO COM 372460105 9 200 SH OTHER 2 200
GENWORTH FINL COM 37247D106 23 675 SH SOLE 675
GENWORTH FINL COM 37247D106 811 23700 SH DEFINED 2 23700
GENWORTH FINL COM 37247D106 135 3950 SH OTHER 2 3950
GENWORTH FINL COM 37247D106 1608 47000 SH DEFINED 3 47000
GLAXO COM 37733W105 24 450 SH SOLE 450
GLAXO COM 37733W105 913 17314 SH DEFINED 2 17314
GLAXO COM 37733W105 21 400 SH OTHER 2 400
GLAXO COM 37733W105 1213 23000 SH DEFINED 3 23000
GOLDMAN SACHS GROUP COM 38141G104 119 595 SH SOLE 595
GOLDMAN SACHS GROUP COM 38141G104 45 225 SH OTHER 225
GOLDMAN SACHS GROUP COM 38141G104 1638 8215 SH DEFINED 2 8215
GOLDMAN SACHS GROUP COM 38141G104 409 2050 SH OTHER 2 2050
GOLDMAN SACHS GROUP COM 38141G104 2492 12500 SH DEFINED 3 12500
GOOGLE INC COM 38259P508 5 10 SH DEFINED 2 10
HANESBRANDS INC COM 410345102 6 275 SH DEFINED 2 275
HANESBRANDS INC COM 410345102 0 25 SH OTHER 2 25
HARLEY DAVIDSON INC COM 412822108 33 475 SH SOLE 475
HARLEY DAVIDSON INC COM 412822108 964 13684 SH DEFINED 2 13684
HARLEY DAVIDSON INC COM 412822108 201 2857 SH OTHER 2 2857
HARLEY DAVIDSON INC COM 412822108 1325 18800 SH DEFINED 3 18800
HARSCO COM 415864107 28 366 SH DEFINED 2 366
HARTFORD FINL SVCS GROUP INC. COM 416515104 54 580 SH SOLE 580
HARTFORD FINL SVCS GROUP INC. COM 416515104 33 350 SH OTHER 350
HARTFORD FINL SVCS GROUP INC. COM 416515104 1949 20888 SH DEFINED 2 20888
HARTFORD FINL SVCS GROUP INC. COM 416515104 690 7400 SH OTHER 2 7400
HARTFORD FINL SVCS GROUP INC. COM 416515104 2659 28500 SH DEFINED 3 28500
H J HEINZ CO COM 423074103 200 4450 SH DEFINED 2 4450
H J HEINZ CO COM 423074103 644 14300 SH OTHER 2 14300
THE HERSHEY COMPANY COM 427866108 5 100 SH SOLE 100
THE HERSHEY COMPANY COM 427866108 97 1950 SH DEFINED 2 1950
THE HERSHEY COMPANY COM 427866108 5 100 SH OTHER 2 100
THE HERSHEY COMPANY COM 427866108 349 7000 SH DEFINED 3 7000
HEWLETT PACKARD CO COM 428236103 61 1475 SH SOLE 1475
HEWLETT PACKARD CO COM 428236103 76 1850 SH OTHER 1850
HEWLETT PACKARD CO COM 428236103 1424 34572 SH DEFINED 2 34572
HEWLETT PACKARD CO COM 428236103 1689 40996 SH OTHER 2 40996
HEWLETT PACKARD CO COM 428236103 1236 30000 SH DEFINED 3 30000
HOME DEPOT, INC COM 437076102 7 175 SH SOLE 175
HOME DEPOT, INC COM 437076102 291 7240 SH DEFINED 2 7240
HOME DEPOT, INC COM 437076102 332 8275 SH OTHER 2 8275
HONEYWELL INTL COM 438516106 9 200 SH DEFINED 2 200
HOSPIRA INC COM 441060100 9 275 SH OTHER 2 275
HOST HOTELS & RESORTS INC COM 44107P104 0 4 SH SOLE 4
ITT CORP COM 450911102 54 955 SH SOLE 955
ITT CORP COM 450911102 34 600 SH OTHER 600
ITT CORP COM 450911102 1075 18925 SH DEFINED 2 18925
ITT CORP COM 450911102 210 3700 SH OTHER 2 3700
ITT CORP COM 450911102 1136 20000 SH DEFINED 3 20000
IDEARC INC. COM 451663108 11 375 SH OTHER 2 375
ILLINOIS TOOL WORKS INC. COM 452308109 275 5960 SH DEFINED 2 5960
ILLINOIS TOOL WORKS INC. COM 452308109 74 1600 SH OTHER 2 1600
INDIA FUND, INC COM 454089103 36 790 SH OTHER 2 790
INTEL CORP COM 458140100 6 300 SH OTHER 300
INTEL CORP COM 458140100 520 25673 SH DEFINED 2 25673
INTEL CORP COM 458140100 647 31950 SH OTHER 2 31950
INTL BUSINESS MACHINES COM 459200101 78 803 SH SOLE 803
INTL BUSINESS MACHINES COM 459200101 58 600 SH OTHER 600
INTL BUSINESS MACHINES COM 459200101 1936 19931 SH DEFINED 2 19931
INTL BUSINESS MACHINES COM 459200101 1151 11847 SH OTHER 2 11847
INTL BUSINESS MACHINES COM 459200101 1652 17000 SH DEFINED 3 17000
INTL GAME TECH COM 459902102 5 100 SH OTHER 2 100
INTERNATIONAL PAPER CO COM 460146103 13 376 SH DEFINED 2 376
I SHARES INC EXC 464286509 27 1085 SH DEFINED 2 1085
JDS UNIPHASE CORP COM 46612J507 0 25 SH OTHER 2 25
JPMORGAN CHASE & CO COM 46625H100 18 374 SH SOLE 374
JPMORGAN CHASE & CO COM 46625H100 226 4671 SH DEFINED 2 4671
JPMORGAN CHASE & CO COM 46625H100 263 5436 SH OTHER 2 5436
JACOBS ENGINEERING GROUP INC. COM 469814107 98 1200 SH DEFINED 2 1200
JACOBS ENGINEERING GROUP INC. COM 469814107 156 1915 SH OTHER 2 1915
JOHNSON & JOHNSON COM 478160104 166 2521 SH SOLE 2521
JOHNSON & JOHNSON COM 478160104 46 700 SH OTHER 700
JOHNSON & JOHNSON COM 478160104 3508 53134 SH DEFINED 2 53134
JOHNSON & JOHNSON COM 478160104 3320 50290 SH OTHER 2 50290
JOHNSON & JOHNSON COM 478160104 1717 26000 SH DEFINED 3 26000
JOHNSON CONTROLS INC COM 478366107 30 350 SH DEFINED 2 350
JOS A BANK CLOTHIERS COM 480838101 294 10000 SH DEFINED 3 10000
KAYDON CORP COM 486587108 2 50 SH DEFINED 2 50
KELLOGG CO. COM 487836108 83 1650 SH DEFINED 2 1650
KELLOGG CO. COM 487836108 110 2200 SH OTHER 2 2200
KEYCORP COM 493267108 19 500 SH SOLE 500
KEYCORP COM 493267108 15 388 SH DEFINED 2 388
KIMBERLY-CLARK CORP COM 494368103 102 1500 SH DEFINED 2 1500
KIMBERLY-CLARK CORP COM 494368103 3 50 SH OTHER 2 50
KOHL'S CORP (WISCONSIN) COM 500255104 41 600 SH DEFINED 2 600
L3 COMMUNICATIONS HLD INC COM 502424104 65 800 SH DEFINED 2 800
L3 COMMUNICATIONS HLD INC COM 502424104 25 300 SH OTHER 2 300
ELI LILLY & CO COM 532457108 31 600 SH SOLE 600
ELI LILLY & CO COM 532457108 16 300 SH OTHER 300
ELI LILLY & CO COM 532457108 498 9562 SH DEFINED 2 9562
ELI LILLY & CO COM 532457108 128 2450 SH OTHER 2 2450
ELI LILLY & CO COM 532457108 1667 32000 SH DEFINED 3 32000
LINEAR TECHNOLOGY CORP COM 535678106 15 500 SH DEFINED 2 500
LOCKHEED MARTIN CORP COM 539830109 32 350 SH OTHER 350
LOCKHEED MARTIN CORP COM 539830109 260 2829 SH DEFINED 2 2829
LOCKHEED MARTIN CORP COM 539830109 145 1575 SH OTHER 2 1575
LOCKHEED MARTIN CORP COM 539830109 1105 12000 SH DEFINED 3 12000
LOWES COMPANIES COM 548661107 41 1304 SH SOLE 1304
LOWES COMPANIES COM 548661107 16 500 SH OTHER 500
LOWES COMPANIES COM 548661107 1187 38104 SH DEFINED 2 38104
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MBIA INC COM 55262C100 4 50 SH OTHER 2 50
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MICROSOFT CORP. COM 594918104 1821 61000 SH DEFINED 3 61000
MOHAWK INDUSTRIES INC COM 608190104 17 225 SH DEFINED 2 225
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