UNITED STATES
                                       SECURITIES AND EXCHANGE COMMISSION
                                            Washington, D.C.  20549
                                                    FORM 13F
                                              FORM 13F COVER PAGE

Report for the Calendar Year or Quarter Ended: 03/31/2012

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: SVP & CFO
Phone: 518-745-1000
Signature, Place, and Date of Signing:

s/ Terry R. Goodemote     GLENS FALLS, NY    04/26/2012

Report Type     (Check only one)
                [X]            13F HOLDINGS REPORT
                [ ]            13F NOTICE
                [ ]            13F COMBINATION REPORT


I AM SIGNING THIS REPORT AS REQUIRED BY THE SECURITIES EXCHANGE
ACT OF 1934



                                          FORM 13F SUMMARY PAGE

Report Summary:

Number of Other Included Managers:                2
Form 13F Information Table Entry Total:           699
Form 13F Information Table Value Total:           $ 281,329

List of Other Included Managers:
No.         13F File Number         Name

2           28-03696                GLENS FALLS NATIONAL BANK & TRUST COMPANY
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

  AT&T INC                         COM          00206R102       132     4215 SH        SOLE             4215
  AT&T INC                         COM          00206R102        41     1300 SH        OTHER                     1300
  AT&T INC                         COM          00206R102      1342    42962 SH        DEFINED 2        42962
  AT&T INC                         COM          00206R102       609    19502 SH        OTHER   2                 19502
  AT&T INC                         COM          00206R102      1068    34200 SH        DEFINED 3        34200
  ABBOTT LABORATORIES              COM          002824100       110     1788 SH        SOLE             1788
  ABBOTT LABORATORIES              COM          002824100        12      200 SH        OTHER                     200
  ABBOTT LABORATORIES              COM          002824100      1657    27030 SH        DEFINED 2        27030
  ABBOTT LABORATORIES              COM          002824100       431     7028 SH        OTHER   2                 7028
  ABBOTT LABORATORIES              COM          002824100       999    16300 SH        DEFINED 3        16300
  ACTIVISION BLIZZARD, INC.        COM          00507V109         4      350 SH        DEFINED 2        350
  ACTIVISION BLIZZARD, INC.        COM          00507V109       705    55000 SH        DEFINED 3        55000
  ADOBE SYSTEMS                    COM          00724F101       133     3875 SH        DEFINED 2        3875
  ADOBE SYSTEMS                    COM          00724F101         2       50 SH        OTHER   2                 50
  AETNA INC COM                    COM          00817Y108        13      250 SH        SOLE             250
  AETNA INC COM                    COM          00817Y108       675    13455 SH        DEFINED 2        13455
  AETNA INC COM                    COM          00817Y108        28      550 SH        OTHER   2                 550
  AETNA INC COM                    COM          00817Y108      1053    21000 SH        DEFINED 3        21000
  AFFILIATED MANAGERS GROUP        COM          008252108        45      400 SH        OTHER   2                 400
  AIR PRODUCTS & CHEMICALS INC     COM          009158106        22      245 SH        DEFINED 2        245
  AIR PRODUCTS & CHEMICALS INC     COM          009158106       156     1700 SH        OTHER   2                 1700
  ALCOA INC                        COM          013817101        72     7195 SH        DEFINED 2        7195
  ALCATEL-LUCENT                   COM          013904305         0       40 SH        OTHER   2                 40
  ALLIANT ENERGY CORP              COM          018802108        16      375 SH        SOLE             375
  ALLIANT ENERGY CORP              COM          018802108       412     9520 SH        DEFINED 2        9520
  ALLIANT ENERGY CORP              COM          018802108        26      600 SH        OTHER   2                 600
  ALLIANCEBERNSTEIN HLDG LP        LIM          01881G106         3      200 PRN       OTHER   2                 200
  ALLSCRIPTS                       COM          01988P108        17     1000 SH        DEFINED 2        1000
  ALLSTATE CORP                    COM          020002101         3      100 SH        OTHER   2                 100
  ALTRIA GROUP INC                 COM          02209S103        19      629 SH        SOLE             629
  ALTRIA GROUP INC                 COM          02209S103       284     9193 SH        DEFINED 2        9193
  ALTRIA GROUP INC                 COM          02209S103        14      450 SH        OTHER   2                 450
  AMAZON.COM INC                   COM          023135106        57      280 SH        SOLE             280
  AMAZON.COM INC                   COM          023135106       503     2483 SH        DEFINED 2        2483
  AMAZON.COM INC                   COM          023135106      2228    11000 SH        DEFINED 3        11000
  AMERICAN ELECTRIC POWER CO       COM          025537101        14      360 SH        DEFINED 2        360
  AMERICAN EXPRESS CO              COM          025816109       100     1730 SH        SOLE             1730
  AMERICAN EXPRESS CO              COM          025816109        17      300 SH        OTHER                     300
  AMERICAN EXPRESS CO              COM          025816109      1527    26395 SH        DEFINED 2        26395
  AMERICAN EXPRESS CO              COM          025816109       244     4225 SH        OTHER   2                 4225
  AMERICAN EXPRESS CO              COM          025816109      1157    20000 SH        DEFINED 3        20000
  AMERICAN TOWER                   COM          03027X100        32      500 SH        SOLE             500
  AMERICAN TOWER                   COM          03027X100       110     1745 SH        DEFINED 2        1745
  AMERICAN TOWER                   COM          03027X100       914    14500 SH        DEFINED 3        14500
  AMERIPRISE FINL INC              COM          03076C106         5       80 SH        DEFINED 2        80
  AMGEN INC                        COM          031162100         4       60 SH        SOLE             60
  AMGEN INC                        COM          031162100        10      150 SH        OTHER                     150
  AMGEN INC                        COM          031162100       190     2798 SH        DEFINED 2        2798
  AMGEN INC                        COM          031162100         8      115 SH        OTHER   2                 115
  AMGEN INC                        COM          031162100       680    10000 SH        DEFINED 3        10000
  ANADARKO PETROLEUM CORP          COM          032511107        26      330 SH        SOLE             330
  ANADARKO PETROLEUM CORP          COM          032511107       395     5040 SH        DEFINED 2        5040
  ANADARKO PETROLEUM CORP          COM          032511107       783    10000 SH        DEFINED 3        10000
  ANALOG DEVICES, INC.             COM          032654105       141     3500 SH        DEFINED 2        3500
  ANALOG DEVICES, INC.             COM          032654105       505    12500 SH        DEFINED 3        12500
  ANNALY CAPITAL MGMT INC          COM          035710409        16     1024 SH        DEFINED 2        1024
  APACHE CORP                      COM          037411105        33      325 SH        SOLE             325
  APACHE CORP                      COM          037411105       448     4464 SH        DEFINED 2        4464
  APACHE CORP                      COM          037411105         3       30 SH        OTHER   2                 30
  APACHE CORP                      COM          037411105       502     5000 SH        DEFINED 3        5000
  APPLE INC                        COM          037833100       102      170 SH        SOLE             170
  APPLE INC                        COM          037833100      3883     6476 SH        DEFINED 2        6476
  APPLE INC                        COM          037833100       429      715 SH        OTHER   2                 715
  APPLE INC                        COM          037833100      3897     6500 SH        DEFINED 3        6500
  APPLIED MATERIALS INC            COM          038222105         3      215 SH        DEFINED 2        215
  AQUA AMER INC                    COM          03836W103         4      200 SH        DEFINED 2        200
  AQUA AMER INC                    COM          03836W103        33     1465 SH        OTHER   2                 1465
  ARROW                            COM          042744102        13      524 SH        SOLE             524
  ARROW                            COM          042744102     32633  1337404 SH        DEFINED 2        1337404
  ARROW                            COM          042744102       780    31951 SH        OTHER   2                 31951
  ATHENAHEALTH INC.                COM          04685W103         7      100 SH        DEFINED 2        100
  AUTOMATIC DATA PROCESSING        COM          053015103        31      568 SH        SOLE             568
  AUTOMATIC DATA PROCESSING        COM          053015103       230     4165 SH        DEFINED 2        4165
  AUTOMATIC DATA PROCESSING        COM          053015103       377     6830 SH        OTHER   2                 6830
  BP PLC                           COM          055622104        32      700 SH        DEFINED 2        700
  BP PLC                           COM          055622104        77     1700 SH        OTHER   2                 1700
  BADGER METER INC                 COM          056525108        20      600 SH        OTHER   2                 600
  BAKER HUGHES INC                 COM          057224107         3       60 SH        SOLE             60
  BAKER HUGHES INC                 COM          057224107        93     2210 SH        DEFINED 2        2210
  BAKER HUGHES INC                 COM          057224107        28      660 SH        OTHER   2                 660
  BANK OF AMERICA CORP             COM          060505104        20     2119 SH        DEFINED 2        2119
  BANK OF AMERICA CORP             COM          060505104        23     2389 SH        OTHER   2                 2389
  BANK OF NEW YORK MELLON CORP     COM          064058100         4      165 SH        SOLE             165
  BANK OF NEW YORK MELLON CORP     COM          064058100       344    14263 SH        DEFINED 2        14263
  BANK OF NEW YORK MELLON CORP     COM          064058100       130     5407 SH        OTHER   2                 5407
  BANK OF NEW YORK MELLON CORP     COM          064058100       724    30000 SH        DEFINED 3        30000
  BARRICK GOLD                     COM          067901108        15      340 SH        DEFINED 2        340
  BAXTER INTL INC                  COM          071813109         7      125 SH        SOLE             125
  BAXTER INTL INC                  COM          071813109       363     6075 SH        DEFINED 2        6075
  BAXTER INTL INC                  COM          071813109       288     4813 SH        OTHER   2                 4813
  BEAM, INC.                       COM          073730103        35      600 SH        DEFINED 2        600
  BED BATH AND BEYOND              COM          075896100         8      120 SH        DEFINED 2        120
  BED BATH AND BEYOND              COM          075896100       789    12000 SH        DEFINED 3        12000
  BERKSHIRE HATHAWAY INC           COM          084670702        43      525 SH        SOLE             525
  BERKSHIRE HATHAWAY INC           COM          084670702      1031    12710 SH        DEFINED 2        12710
  BERKSHIRE HATHAWAY INC           COM          084670702        72      890 SH        OTHER   2                 890
  BERKSHIRE HATHAWAY INC           COM          084670702      1055    13000 SH        DEFINED 3        13000
  BERKSHIRE HILLS BANCORP INC      COM          084680107        34     1500 SH        SOLE             1500
  BEST BUY CO                      COM          086516101         2       86 SH        DEFINED 2        86
  BHP BILLITON                     COM          088606108         4       50 SH        DEFINED 2        50
  BIOGEN IDEC INC                  COM          09062X103       630     5000 SH        DEFINED 3        5000
  BLACKROCK INC                    COM          09247X101        46      225 SH        DEFINED 2        225
  BLACKROCK INC                    COM          09247X101        41      200 SH        OTHER   2                 200
  BOEING COMPANY                   COM          097023105         4       55 SH        SOLE             55
  BOEING COMPANY                   COM          097023105       184     2470 SH        DEFINED 2        2470
  BOSTON SCIENTIFIC CORP           COM          101137107         2      265 SH        DEFINED 2        265
  BRISTOL MYERS SQUIBB             COM          110122108        93     2770 SH        SOLE             2770
  BRISTOL MYERS SQUIBB             COM          110122108         3      100 SH        OTHER                     100
  BRISTOL MYERS SQUIBB             COM          110122108      1264    37445 SH        DEFINED 2        37445
  BRISTOL MYERS SQUIBB             COM          110122108       108     3190 SH        OTHER   2                 3190
  BRISTOL MYERS SQUIBB             COM          110122108      1046    31000 SH        DEFINED 3        31000
  BROADCOM CORP                    COM          111320107        54     1375 SH        SOLE             1375
  BROADCOM CORP                    COM          111320107       414    10535 SH        DEFINED 2        10535
  BROADCOM CORP                    COM          111320107      1081    27500 SH        DEFINED 3        27500
  BROWN FOREMAN DISTILLERS CORP    COM          115637100        35      432 SH        DEFINED 2        432
  BROWN FOREMAN DISTILLERS CORP    COM          115637209        51      610 SH        DEFINED 2        610
  BUCKEYE PARTNERS L P             LIM          118230101        37      600 PRN       DEFINED 2        600
  CME GROUP INC.                   COM          12572Q105        22       75 SH        SOLE             75
  CME GROUP INC.                   COM          12572Q105       205      710 SH        DEFINED 2        710
  CVS/CAREMARK CORP                COM          126650100         6      140 SH        SOLE             140
  CVS/CAREMARK CORP                COM          126650100       338     7551 SH        DEFINED 2        7551
  CVS/CAREMARK CORP                COM          126650100         2       50 SH        OTHER   2                 50
  CVS/CAREMARK CORP                COM          126650100       762    17000 SH        DEFINED 3        17000
  CA, INC.                         COM          12673P105        12      421 SH        DEFINED 2        421
  CAMPBELL SOUP                    COM          134429109         3      100 SH        SOLE             100
  CANADIAN NAT'L RAILWAY           COM          136375102        10      125 SH        DEFINED 2        125
  CAPITAL ONE                      COM          14040H105         6      100 SH        DEFINED 2        100
  CAPSTONE TURBINE CORP            COM          14067D102         0      600 SH        DEFINED 2        600
  CARDINAL HEALTH INC              COM          14149Y108        34      800 SH        SOLE             800
  CARDINAL HEALTH INC              COM          14149Y108       493    11425 SH        DEFINED 2        11425
  CARDINAL HEALTH INC              COM          14149Y108        31      725 SH        OTHER   2                 725
  CARDINAL HEALTH INC              COM          14149Y108       854    19800 SH        DEFINED 3        19800
  CARNIVAL                         COM          143658300         3      100 SH        SOLE             100
  CARNIVAL                         COM          143658300        47     1475 SH        DEFINED 2        1475
  CARNIVAL                         COM          143658300        27      834 SH        OTHER   2                 834
  CATERPILLAR INC                  COM          149123101        94      885 SH        SOLE             885
  CATERPILLAR INC                  COM          149123101      1271    11928 SH        DEFINED 2        11928
  CATERPILLAR INC                  COM          149123101       134     1255 SH        OTHER   2                 1255
  CATERPILLAR INC                  COM          149123101       533     5000 SH        DEFINED 3        5000
  CELGENE CORP                     COM          151020104        20      255 SH        SOLE             255
  CELGENE CORP                     COM          151020104       753     9710 SH        DEFINED 2        9710
  CELGENE CORP                     COM          151020104        79     1025 SH        OTHER   2                 1025
  CELGENE CORP                     COM          151020104      1147    14800 SH        DEFINED 3        14800
  CENTURYLINK, INC.                COM          156700106         8      200 SH        DEFINED 2        200
  CHEVRON CORPORATION              COM          166764100       271     2529 SH        SOLE             2529
  CHEVRON CORPORATION              COM          166764100        31      290 SH        OTHER                     290
  CHEVRON CORPORATION              COM          166764100      3168    29545 SH        DEFINED 2        29545
  CHEVRON CORPORATION              COM          166764100       880     8205 SH        OTHER   2                 8205
  CHEVRON CORPORATION              COM          166764100      1340    12500 SH        DEFINED 3        12500
  CHUBB CORP                       COM          171232101        17      250 SH        DEFINED 2        250
  CISCO SYSTEMS                    COM          17275R102       159     7535 SH        SOLE             7535
  CISCO SYSTEMS                    COM          17275R102         4      200 SH        OTHER                     200
  CISCO SYSTEMS                    COM          17275R102      1251    59129 SH        DEFINED 2        59129
  CISCO SYSTEMS                    COM          17275R102       309    14617 SH        OTHER   2                 14617
  CISCO SYSTEMS                    COM          17275R102      1024    48400 SH        DEFINED 3        48400
  CITIGROUP INC                    COM          172967424       804    22000 SH        DEFINED 3        22000
  CLOROX CO                        COM          189054109        34      500 SH        DEFINED 2        500
  CLOROX CO                        COM          189054109         3       50 SH        OTHER   2                 50
  COCA COLA CO.                    COM          191216100       140     1890 SH        SOLE             1890
  COCA COLA CO.                    COM          191216100      1349    18228 SH        DEFINED 2        18228
  COCA COLA CO.                    COM          191216100        16      215 SH        OTHER   2                 215
  COCA COLA CO.                    COM          191216100      1554    21000 SH        DEFINED 3        21000
  COGNIZANT TECH SOLUTIONS         COM          192446102        38      500 SH        DEFINED 2        500
  COLGATE-PALMOLIVE CO             COM          194162103        68      695 SH        SOLE             695
  COLGATE-PALMOLIVE CO             COM          194162103        20      200 SH        OTHER                 200
  COLGATE-PALMOLIVE CO             COM          194162103      1263    12915 SH        DEFINED 2        12915
  COLGATE-PALMOLIVE CO             COM          194162103       475     4860 SH        OTHER   2                 4860
  COLGATE-PALMOLIVE CO             COM          194162103       782     8000 SH        DEFINED 3        8000
  COMCAST CORP NEW                 COM          20030N101        23      780 SH        SOLE             780
  COMCAST CORP NEW                 COM          20030N101       586    19529 SH        DEFINED 2        19529
  COMCAST CORP NEW                 COM          20030N101        27      915 SH        OTHER   2                 915
  COMCAST CORP NEW                 COM          20030N200         2       56 SH        DEFINED 2        56
  COMCAST CORP NEW                 COM          20030N101       600    20000 SH        DEFINED 3        20000
  COMPANHIA DE SANEAMENTO          COM          20441A102        23      300 SH        OTHER   2                 300
  COMVERSE TECHNOLOGY INC          COM          205862402         0        6 SH        OTHER   2                 6
  CONNECTICUT WATER SERVICE INC    COM          207797101         6      200 SH        OTHER   2                 200
  CONOCOPHILLIPS                   COM          20825C104        84     1100 SH        SOLE             1100
  CONOCOPHILLIPS                   COM          20825C104      1305    17165 SH        DEFINED 2        17165
  CONOCOPHILLIPS                   COM          20825C104       143     1877 SH        OTHER   2                 1877
  CONOCOPHILLIPS                   COM          20825C104       950    12500 SH        DEFINED 3        12500
  CONSOLIDATED EDISON INC          COM          209115104        56      967 SH        DEFINED 2        967
  CORNING INC                      COM          219350105         6      400 SH        DEFINED 2        400
  CORNING INC                      COM          219350105        14     1000 SH        OTHER   2                 1000
  COSTCO WHOLESALE CORP NEW        COM          22160K105        81      895 SH        SOLE             895
  COSTCO WHOLESALE CORP NEW        COM          22160K105       832     9165 SH        DEFINED 2        9165
  COSTCO WHOLESALE CORP NEW        COM          22160K105        80      885 SH        OTHER   2                 885
  COSTCO WHOLESALE CORP NEW        COM          22160K105       981    10800 SH        DEFINED 3        10800
  CREE INC                         COM          225447101         2       75 SH        OTHER   2                 75
  DTE ENERGY CO.                   COM          233331107        11      199 SH        DEFINED 2        199
  DANAHER CORP                     COM          235851102        81     1450 SH        SOLE             1450
  DANAHER CORP                     COM          235851102        45      800 SH        OTHER                     800
  DANAHER CORP                     COM          235851102      1013    18090 SH        DEFINED 2        18090
  DANAHER CORP                     COM          235851102       297     5295 SH        OTHER   2                 5295
  DANAHER CORP                     COM          235851102      1568    28000 SH        DEFINED 3        28000
  DARDEN RESTAURANTS INC           COM          237194105         4       75 SH        SOLE             75
  DARDEN RESTAURANTS INC           COM          237194105        26      515 SH        DEFINED 2        515
  DARDEN RESTAURANTS INC           COM          237194105        26      500 SH        OTHER   2                 500
  DEERE & CO                       COM          244199105        44      550 SH        SOLE             550
  DEERE & CO                       COM          244199105       720     8905 SH        DEFINED 2        8905
  DEERE & CO                       COM          244199105        24      300 SH        OTHER   2                 300
  DEERE & CO                       COM          244199105      1052    13000 SH        DEFINED 3        13000
  DELCATH SYSTEMS INC.             COM          24661P104         0      150 SH        DEFINED 2        150
  DELL INC                         COM          24702R101         5      300 SH        DEFINED 2        300
  DENDREON CORP                    COM          24823Q107         1      100 SH        DEFINED 2        100
  DEVON ENERGY CORP NEW            COM          25179M103        44      625 SH        DEFINED 2        625
  DICK'S SPORTING GOODS, INC       COM          253393102       817    17000 SH        DEFINED 3        17000
  WALT DISNEY COMPANY              COM          254687106       145     3314 SH        SOLE             3314
  WALT DISNEY COMPANY              COM          254687106         9      200 SH        OTHER                     200
  WALT DISNEY COMPANY              COM          254687106       953    21759 SH        DEFINED 2        21759
  WALT DISNEY COMPANY              COM          254687106       440    10050 SH        OTHER   2                 10050
  WALT DISNEY COMPANY              COM          254687106       657    15000 SH        DEFINED 3        15000
  DISTRIBUTED ENERGY SYS CORP      COM          25475V104         0     2500 SH        OTHER   2                 2500
  DOLLAR TREE INC.                 COM          256746108       373     3945 SH        DEFINED 2        3945
  DOMINION RES INC VA NEW          COM          25746U109        83     1615 SH        SOLE             1615
  DOMINION RES INC VA NEW          COM          25746U109        10      200 SH        OTHER                     200
  DOMINION RES INC VA NEW          COM          25746U109      1248    24367 SH        DEFINED 2        24367
  DOMINION RES INC VA NEW          COM          25746U109       163     3175 SH        OTHER   2                 3175
  DOMINION RES INC VA NEW          COM          25746U109      1147    22400 SH        DEFINED 3        22400
  DOW CHEMICAL CO                  COM          260543103        14      400 SH        OTHER                     400
  DOW CHEMICAL CO                  COM          260543103       229     6600 SH        DEFINED 2        6600
  DOW CHEMICAL CO                  COM          260543103       494    14250 SH        DEFINED 3        14250
  EI DUPONT DE NEMOURS & CO        COM          263534109         2       45 SH        SOLE             45
  EI DUPONT DE NEMOURS & CO        COM          263534109       212     4000 SH        DEFINED 2        4000
  EI DUPONT DE NEMOURS & CO        COM          263534109       124     2340 SH        OTHER   2                 2340
  EI DUPONT DE NEMOURS & CO        COM          263534109       767    14500 SH        DEFINED 3        14500
  DUKE ENERGY HLDG CORP            COM          26441C105        16      780 SH        DEFINED 2        780
  DUNKIN BRANDS GROUP INC          COM          265504100         3      100 SH        SOLE             100
  EMC CORP                         COM          268648102        63     2125 SH        SOLE             2125
  EMC CORP                         COM          268648102      1060    35475 SH        DEFINED 2        35475
  EMC CORP                         COM          268648102        30     1000 SH        OTHER   2                 1000
  EMC CORP                         COM          268648102      1132    37900 SH        DEFINED 3        37900
  EQT CORP                         COM          26884L109        21      426 SH        DEFINED 2        426
  SWISS GOLD SHARES                EXC          26922Y105        40      240 SH        DEFINED 2        240
  EAST WEST BANCORP                COM          27579R104        12      500 SH        OTHER   2                 500
  EASTMAN KODAK CO                 COM          277461109         0      100 SH        DEFINED 2        100
  EATON CORP                       COM          278058102       179     3600 SH        OTHER   2                 3600
  EATON VANCE                      COM          27828S101        61     4195 SH        DEFINED 2        4195
  EBAY INC                         COM          278642103        29      790 SH        SOLE             790
  EBAY INC                         COM          278642103       210     5685 SH        DEFINED 2        5685
  EBAY INC                         COM          278642103         7      190 SH        OTHER   2                 190
  EBAY INC                         COM          278642103      1292    35000 SH        DEFINED 3        35000
  ECOLAB INC                       COM          278865100        45      730 SH        SOLE             730
  ECOLAB INC                       COM          278865100       427     6915 SH        DEFINED 2        6915
  ECOLAB INC                       COM          278865100       105     1700 SH        OTHER   2                 1700
  EL PASO CORPORATION              COM          28336L109        89     3000 SH        DEFINED 2        3000
  EMERSON ELECTRIC CO              COM          291011104        58     1105 SH        SOLE             1105
  EMERSON ELECTRIC CO              COM          291011104        10      200 SH        OTHER                     200
  EMERSON ELECTRIC CO              COM          291011104       691    13238 SH        DEFINED 2        13238
  EMERSON ELECTRIC CO              COM          291011104       377     7225 SH        OTHER   2                 7225
  ENERGY RECOVERY INC.             COM          29270J100         5     2000 SH        OTHER   2                 2000
  ENTERPRISE PRODS PARTNERS LP     LIM          293792107         8      150 PRN       DEFINED 2        150
  EXELON CORP                      COM          30161N101        28      720 SH        SOLE             720
  EXELON CORP                      COM          30161N101       225     5745 SH        DEFINED 2        5745
  EXELON CORP                      COM          30161N101         4      100 SH        OTHER   2                 100
  EXXON MOBIL CORP                 COM          30231G102       407     4692 SH        SOLE             4692
  EXXON MOBIL CORP                 COM          30231G102        30      350 SH        OTHER                     350
  EXXON MOBIL CORP                 COM          30231G102      4088    47136 SH        DEFINED 2        47136
  EXXON MOBIL CORP                 COM          30231G102      1934    22304 SH        OTHER   2                 22304
  EXXON MOBIL CORP                 COM          30231G102      2324    26800 SH        DEFINED 3        26800
  FED HOME LOAN MORT CORP          COM          313400301         0     1116 SH        DEFINED 2        1116
  FED NATL MORT ASSOC              COM          313586109         0     1000 SH        DEFINED 2        1000
  FEDEX CORPORATION                COM          31428X106         2       20 SH        SOLE             20
  FEDEX CORPORATION                COM          31428X106        61      660 SH        DEFINED 2        660
  FIDELITY NATL FINANCIAL, INC.    COM          31620R105        81     4500 SH        DEFINED 2        4500
  FINANCIAL INSTITUTIONS INC       COM          317585404        49     3000 SH        SOLE             3000
  FIRST SOLAR, INC.                COM          336433107         0       18 SH        DEFINED 2        18
  FISERV INC                       COM          337738108        41      585 SH        SOLE             585
  FISERV INC                       COM          337738108       432     6230 SH        DEFINED 2        6230
  FISERV INC                       COM          337738108         7      100 SH        OTHER   2                 100
  FORD MOTOR CO                    COM          345370860        49     3890 SH        SOLE             3890
  FORD MOTOR CO                    COM          345370860       688    55126 SH        DEFINED 2        55126
  FORD MOTOR CO                    COM          345370860        36     2900 SH        OTHER   2                 2900
  FORD MOTOR CO                    COM          345370860       998    80000 SH        DEFINED 3        80000
  FORTUNE BRANDS                   COM          34964C106        13      600 SH        DEFINED 2        600
  FRANKLIN RESOURCES               COM          354613101        22      175 SH        DEFINED 2        175
  FREEPORT MCMORAN                 COM          35671D857         2       65 SH        SOLE             65
  FREEPORT MCMORAN                 COM          35671D857       153     4026 SH        DEFINED 2        4026
  FREEPORT MCMORAN                 COM          35671D857        41     1075 SH        OTHER   2                 1075
  FRONTIER COMMUNICATIONS CORP     COM          35906A108         0      120 SH        OTHER   2                 120
  GABELLI                          MUT          36242H104        22     1350 SH        DEFINED 2        1350
  GANNETT COMPANY INC              COM          364730101         2      100 SH        DEFINED 2        100
  GENERAL DYNAMICS                 COM          369550108         3       40 SH        SOLE             40
  GENERAL DYNAMICS                 COM          369550108       195     2660 SH        DEFINED 2        2660
  GENERAL DYNAMICS                 COM          369550108        39      525 SH        OTHER   2                 525
  GENERAL ELECTRIC CO              COM          369604103       161     8000 SH        SOLE             8000
  GENERAL ELECTRIC CO              COM          369604103      2143   106782 SH        DEFINED 2        106782
  GENERAL ELECTRIC CO              COM          369604103       995    49575 SH        OTHER   2                 49575
  GENERAL ELECTRIC CO              COM          369604103      1972    98250 SH        DEFINED 3        98250
  GENERAL MILLS INC                COM          370334104        59     1483 SH        SOLE             1483
  GENERAL MILLS INC                COM          370334104         4      100 SH        OTHER                     100
  GENERAL MILLS INC                COM          370334104       754    19120 SH        DEFINED 2        19120
  GENERAL MILLS INC                COM          370334104       139     3525 SH        OTHER   2                 3525
  GENUINE PARTS CO                 COM          372460105        38      605 SH        DEFINED 2        605
  GLAXO                            COM          37733W105         4      100 SH        OTHER   2                 100
  GOLDMAN SACHS GROUP              COM          38141G104         4       30 SH        SOLE             30
  GOLDMAN SACHS GROUP              COM          38141G104       172     1380 SH        DEFINED 2        1380
  GOLDMAN SACHS GROUP              COM          38141G104      1244    10000 SH        DEFINED 3        10000
  GOOGLE INC                       COM          38259P508       119      185 SH        SOLE             185
  GOOGLE INC                       COM          38259P508      1347     2101 SH        DEFINED 2        2101
  GOOGLE INC                       COM          38259P508        48       75 SH        OTHER   2                 75
  GOOGLE INC                       COM          38259P508      2886     4500 SH        DEFINED 3        4500
  GREENBRIER COMPANIES             COM          393657101         4      200 SH        DEFINED 2        200
  GRUMA S.A.B. DE C.V.             COM          400131306        14     1300 SH        OTHER   2                 1300
  HALLIBURTON CO                   COM          406216101        42     1255 SH        SOLE             1255
  HALLIBURTON CO                   COM          406216101       289     8700 SH        DEFINED 2        8700
  HARLEY DAVIDSON INC              COM          412822108        63     1280 SH        OTHER   2                 1280
  HATTERAS FINANCIAL CORP          COM          41902R103        20      725 SH        DEFINED 2        725
  H J HEINZ CO                     COM          423074103        55     1025 SH        SOLE             1025
  H J HEINZ CO                     COM          423074103       800    14940 SH        DEFINED 2        14940
  H J HEINZ CO                     COM          423074103       656    12250 SH        OTHER   2                 12250
  H J HEINZ CO                     COM          423074103       750    14000 SH        DEFINED 3        14000
  HESS CORP                        COM          42809H107        22      370 SH        DEFINED 2        370
  HESS CORP                        COM          42809H107       590    10000 SH        DEFINED 3        10000
  HEWLETT PACKARD CO               COM          428236103         6      245 SH        SOLE             245
  HEWLETT PACKARD CO               COM          428236103       291    12232 SH        DEFINED 2        12232
  HEWLETT PACKARD CO               COM          428236103       337    14134 SH        OTHER   2                 14134
  HEWLETT PACKARD CO               COM          428236103       477    20000 SH        DEFINED 3        20000
  HEXCEL CORP                      COM          428291108        19      775 SH        DEFINED 2        775
  HOME DEPOT, INC                  COM          437076102       125     2491 SH        SOLE             2491
  HOME DEPOT, INC                  COM          437076102         5      100 SH        OTHER                     100
  HOME DEPOT, INC                  COM          437076102      1071    21283 SH        DEFINED 2        21283
  HOME DEPOT, INC                  COM          437076102       243     4825 SH        OTHER   2                 4825
  HOME DEPOT, INC                  COM          437076102       719    14300 SH        DEFINED 3        14300
  HONEYWELL INTL                   COM          438516106        52      855 SH        SOLE             855
  HONEYWELL INTL                   COM          438516106       727    11900 SH        DEFINED 2        11900
  HONEYWELL INTL                   COM          438516106      1221    20000 SH        DEFINED 3        20000
  HOSPIRA INC                      COM          441060100        10      260 SH        OTHER   2                 260
  ITT CORP                         COM          450911201         2       75 SH        DEFINED 2        75
  IDEARC INC.                      COM          451663108         0       25 SH        OTHER   2                 25
  ILLINOIS TOOL WORKS INC.         COM          452308109         8      135 SH        DEFINED 2        135
  ILLINOIS TOOL WORKS INC.         COM          452308109        57     1000 SH        OTHER   2                 1000
  IMATION CORPORATION              COM          45245A107         0      120 SH        OTHER   2                 120
  INTEL CORP                       COM          458140100       274     9751 SH        SOLE             9751
  INTEL CORP                       COM          458140100         8      300 SH        OTHER                     300
  INTEL CORP                       COM          458140100      2386    84870 SH        DEFINED 2        84870
  INTEL CORP                       COM          458140100       477    16975 SH        OTHER   2                 16975
  INTEL CORP                       COM          458140100      1842    65500 SH        DEFINED 3        65500
  INTERCONTINENTAL EXCHANGE        COM          45865V100        21      150 SH        SOLE             150
  INTERCONTINENTAL EXCHANGE        COM          45865V100       168     1220 SH        DEFINED 2        1220
  INTL BUSINESS MACHINES           COM          459200101       240     1148 SH        SOLE             1148
  INTL BUSINESS MACHINES           COM          459200101        21      100 SH        OTHER                     100
  INTL BUSINESS MACHINES           COM          459200101      4801    23010 SH        DEFINED 2        23010
  INTL BUSINESS MACHINES           COM          459200101      2588    12405 SH        OTHER   2                 12405
  INTL BUSINESS MACHINES           COM          459200101      2087    10000 SH        DEFINED 3        10000
  INTERNATIONAL PAPER CO           COM          460146103        60     1720 SH        SOLE             1720
  INTERNATIONAL PAPER CO           COM          460146103       611    17415 SH        DEFINED 2        17415
  INTERNATIONAL PAPER CO           COM          460146103        51     1450 SH        OTHER   2                 1450
  INTERNATIONAL PAPER CO           COM          460146103       544    15500 SH        DEFINED 3        15500
  ISHARES                          EXC          464285105         2      100 SH        DEFINED 2        100
  ISHARES                          EXC          464287176         7       56 SH        DEFINED 2        56
  ISHARES                          EXC          464287234        41      954 SH        DEFINED 2        954
  ISHARES                          EXC          464287242        12      100 SH        OTHER   2                 100
  ISHARES                          EXC          464287457        11      125 SH        OTHER   2                 125
  ISHARES                          EXC          464287507        27      268 SH        DEFINED 2        268
  ISHARES                          EXC          464287655         6       75 SH        OTHER   2                 75
  ISHARES                          EXC          464287804        25      325 SH        DEFINED 2        325
  ISHARES                          EXC          464288687       215     5500 SH        SOLE             5500
  ISHARES                          EXC          464288687      2120    54305 SH        DEFINED 2        54305
  ISHARES                          EXC          464288687       184     4703 SH        OTHER   2                 4703
  ISHARES                          EXC          464288695         6      100 SH        DEFINED 2        100
  ISHARES                          EXC          46428Q109        65     2084 SH        DEFINED 2        2084
  ITRON INC                        COM          465741106         5      100 SH        OTHER   2                 100
  JPMORGAN CHASE & CO              COM          46625H100       177     3840 SH        SOLE             3840
  JPMORGAN CHASE & CO              COM          46625H100      1852    40287 SH        DEFINED 2        40287
  JPMORGAN CHASE & CO              COM          46625H100       402     8746 SH        OTHER   2                 8746
  JPMORGAN CHASE & CO              COM          46625H100      1701    37000 SH        DEFINED 3        37000
  JACOBS ENGINEERING GROUP INC.    COM          469814107       127     2861 SH        OTHER   2                 2861
  JOHNSON & JOHNSON                COM          478160104       241     3658 SH        SOLE             3658
  JOHNSON & JOHNSON                COM          478160104        10      150 SH        OTHER                     150
  JOHNSON & JOHNSON                COM          478160104      2361    35793 SH        DEFINED 2        35793
  JOHNSON & JOHNSON                COM          478160104      1503    22790 SH        OTHER   2                 22790
  JOHNSON & JOHNSON                COM          478160104      1537    23300 SH        DEFINED 3        23300
  JOHNSON CONTROLS INC             COM          478366107        25      780 SH        SOLE             780
  JOHNSON CONTROLS INC             COM          478366107       465    14305 SH        DEFINED 2        14305
  JOHNSON CONTROLS INC             COM          478366107        15      450 SH        OTHER   2                 450
  JOHNSON CONTROLS INC             COM          478366107       812    25000 SH        DEFINED 3        25000
  KADANT, INC.                     COM          48282T104        19      809 SH        DEFINED 2        809
  KAYDON CORP                      COM          486587108        26     1000 SH        DEFINED 2        1000
  KELLOGG CO.                      COM          487836108         4       75 SH        SOLE             75
  KELLOGG CO.                      COM          487836108        73     1365 SH        DEFINED 2        1365
  KELLOGG CO.                      COM          487836108       209     3900 SH        OTHER   2                 3900
  KEYCORP                          COM          493267108         2      200 SH        DEFINED 2        200
  KIMBERLY-CLARK CORP              COM          494368103         2       25 SH        SOLE             25
  KIMBERLY-CLARK CORP              COM          494368103        73      989 SH        DEFINED 2        989
  KRAFT FOODS INC                  COM          50075N104        71     1870 SH        SOLE             1870
  KRAFT FOODS INC                  COM          50075N104       946    24896 SH        DEFINED 2        24896
  KRAFT FOODS INC                  COM          50075N104        20      526 SH        OTHER   2                 526
  KRAFT FOODS INC                  COM          50075N104      1140    30000 SH        DEFINED 3        30000
  LSI CORPORATION                  COM          502161102         0       10 SH        OTHER   2                 10
  L3 COMMUNICATIONS HLD INC        COM          502424104         7      100 SH        OTHER   2                 100
  LAYNE CHRISTENSEN CO             COM          521050104        11      500 SH        OTHER   2                 500
  ELI LILLY & CO                   COM          532457108         3       70 SH        SOLE             70
  ELI LILLY & CO                   COM          532457108       253     6285 SH        DEFINED 2        6285
  ELI LILLY & CO                   COM          532457108        77     1900 SH        OTHER   2                 1900
  LIMITED BRANDS INC.              COM          532716107        22      450 SH        SOLE             450
  LIMITED BRANDS INC.              COM          532716107       267     5555 SH        DEFINED 2        5555
  LIMITED BRANDS INC.              COM          532716107       504    10500 SH        DEFINED 3        10500
  LOCKHEED MARTIN CORP             COM          539830109        27      300 SH        SOLE             300
  LOCKHEED MARTIN CORP             COM          539830109       657     7309 SH        DEFINED 2        7309
  LOWES COMPANIES                  COM          548661107       139     4423 SH        DEFINED 2        4423
  LOWES COMPANIES                  COM          548661107       182     5800 SH        OTHER   2                 5800
  MARATHON OIL CORP                COM          565849106        75     2370 SH        DEFINED 2        2370
  MARATHON OIL CORP                COM          565849106         4      115 SH        OTHER   2                 115
  MARRIOTT INTERNATIONAL INC       COM          571903202        38     1009 SH        DEFINED 2        1009
  MCCORMICK & CO                   COM          579780206        44      800 SH        DEFINED 2        800
  MCDONALDS CORP                   COM          580135101       127     1294 SH        SOLE             1294
  MCDONALDS CORP                   COM          580135101        10      100 SH        OTHER                     100
  MCDONALDS CORP                   COM          580135101      1924    19612 SH        DEFINED 2        19612
  MCDONALDS CORP                   COM          580135101       608     6200 SH        OTHER   2                 6200
  MCDONALDS CORP                   COM          580135101       932     9500 SH        DEFINED 3        9500
  MCGRAW-HILL INC                  COM          580645109        34      700 SH        SOLE             700
  MECHANICAL TECHNOLOGY            COM          583538202         0      112 SH        OTHER   2                 112
  MEDCO HEALTH SOLUTIONS           COM          58405U102        28      400 SH        DEFINED 2        400
  MEDCO HEALTH SOLUTIONS           COM          58405U102        44      625 SH        OTHER   2                 625
  MEDTRONIC, INC                   COM          585055106        63     1605 SH        SOLE             1605
  MEDTRONIC, INC                   COM          585055106       606    15465 SH        DEFINED 2        15465
  MEDTRONIC, INC                   COM          585055106       121     3075 SH        OTHER   2                 3075
  MEDTRONIC, INC                   COM          585055106       827    21100 SH        DEFINED 3        21100
  MERCK & CO. INC.                 COM          58933Y105       108     2811 SH        SOLE             2811
  MERCK & CO. INC.                 COM          58933Y105       932    24282 SH        DEFINED 2        24282
  MERCK & CO. INC.                 COM          58933Y105       258     6725 SH        OTHER   2                 6725
  MERCK & CO. INC.                 COM          58933Y105      1071    27900 SH        DEFINED 3        27900
  METLIFE                          COM          59156R108        41     1100 SH        SOLE             1100
  METLIFE                          COM          59156R108       627    16795 SH        DEFINED 2        16795
  METLIFE                          COM          59156R108        26      700 SH        OTHER   2                 700
  MICROSOFT CORP.                  COM          594918104       253     7850 SH        SOLE             7850
  MICROSOFT CORP.                  COM          594918104        13      400 SH        OTHER                     400
  MICROSOFT CORP.                  COM          594918104      2580    80000 SH        DEFINED 2        80000
  MICROSOFT CORP.                  COM          594918104       833    25823 SH        OTHER   2                 25823
  MICROSOFT CORP.                  COM          594918104       671    20800 SH        DEFINED 3        20800
  MOHAWK INDUSTRIES INC            COM          608190104        15      225 SH        DEFINED 2        225
  MONSANTO CO NEW                  COM          61166W101         2       25 SH        SOLE             25
  MONSANTO CO NEW                  COM          61166W101       142     1775 SH        DEFINED 2        1775
  MONSANTO CO NEW                  COM          61166W101        24      300 SH        OTHER   2                 300
  MONSANTO CO NEW                  COM          61166W101       658     8250 SH        DEFINED 3        8250
  MORGAN STANLEY                   COM          617446448         4      200 SH        SOLE             200
  MORGAN STANLEY                   COM          617446448       233    11885 SH        DEFINED 2        11885
  MORGAN STANLEY                   COM          617446448       982    50000 SH        DEFINED 3        50000
  MOSAIC CO                        COM          61945C103         6      100 SH        DEFINED 2        100
  MYLAN LABORATORIES               COM          628530107        30     1300 SH        SOLE             1300
  MYLAN LABORATORIES               COM          628530107       273    11640 SH        DEFINED 2        11640
  MYLAN LABORATORIES               COM          628530107        21      900 SH        OTHER   2                 900
  NBT BANCORP INC                  COM          628778102        44     2565 SH        SOLE             2000
  NBT BANCORP INC                  COM          628778102        13      565 SH        DEFINED 2        565
  NATIONAL OIL WELL VARCO INC      COM          637071101        27      340 SH        SOLE             340
  NATIONAL OIL WELL VARCO INC      COM          637071101       351     4420 SH        DEFINED 2        4420
  NATIONAL OIL WELL VARCO INC      COM          637071101        91     1150 SH        OTHER   2                 1150
  NATIONAL OIL WELL VARCO INC      COM          637071101      1589    20000 SH        DEFINED 3        20000
  NEWMONT MINING CORP              COM          651639106         2       35 SH        SOLE             35
  NEWMONT MINING CORP              COM          651639106        72     1410 SH        DEFINED 2        1410
  NEWS CORP                        COM          65248E104         2      120 SH        SOLE             120
  NEWS CORP                        COM          65248E104        77     3900 SH        DEFINED 2        3900
  NEWS CORP                        COM          65248E104         2      100 SH        OTHER   2                 100
  NFJ                              COM          65337H109        20     1128 SH        DEFINED 2        1128
  NEXTERA ENERGY INC               COM          65339F101         9      150 SH        DEFINED 2        150
  NIKE INC                         COM          654106103         7       60 SH        SOLE             60
  NIKE INC                         COM          654106103       342     3150 SH        DEFINED 2        3150
  NIKE INC                         COM          654106103        43      400 SH        OTHER   2                 400
  NOBLE ENERGY                     COM          655044105         2       25 SH        DEFINED 2        25
  NORDSTROM INC                    COM          655664100        33      600 SH        SOLE             600
  NORDSTROM INC                    COM          655664100       242     4340 SH        DEFINED 2        4340
  NORDSTROM INC                    COM          655664100        11      200 SH        OTHER   2                 200
  NORDSTROM INC                    COM          655664100       892    16000 SH        DEFINED 3        16000
  NORFOLK SOUTHERN CORP            COM          655844108        34      510 SH        SOLE             510
  NORFOLK SOUTHERN CORP            COM          655844108       625     9500 SH        DEFINED 2        9500
  NORFOLK SOUTHERN CORP            COM          655844108       111     1685 SH        OTHER   2                 1685
  NORFOLK SOUTHERN CORP            COM          655844108       856    13000 SH        DEFINED 3        13000
  NORTHERN TRUST CORP              COM          665859104         6      125 SH        DEFINED 2        125
  NOVARTIS A G                     COM          66987V109         8      150 SH        OTHER   2                 150
  NUCOR CORP                       COM          670346105        55     1275 SH        SOLE             1275
  NUCOR CORP                       COM          670346105       571    13290 SH        DEFINED 2        13290
  NUCOR CORP                       COM          670346105        11      250 SH        OTHER   2                 250
  NUCOR CORP                       COM          670346105       455    10600 SH        DEFINED 3        10600
  NUVEEN                           EXC          67066V101        17     1167 SH        DEFINED 2        1167
  NUVEEN                           EXC          67070A101         5      360 SH        DEFINED 2        360
  OCCIDENTAL PETROLEUM CORP        COM          674599105        61      645 SH        SOLE             645
  OCCIDENTAL PETROLEUM CORP        COM          674599105      1257    13198 SH        DEFINED 2        13198
  OCCIDENTAL PETROLEUM CORP        COM          674599105        12      125 SH        OTHER   2                 125
  OCCIDENTAL PETROLEUM CORP        COM          674599105       857     9000 SH        DEFINED 3        9000
  OCEANEERING INTL INC             COM          675232102        16      300 SH        OTHER   2                 300
  OLIN CORP                        COM          680665205         7      300 SH        OTHER   2                 300
  ORACLE CORP                      COM          68389X105       112     3830 SH        SOLE             3830
  ORACLE CORP                      COM          68389X105         6      200 SH        OTHER                     200
  ORACLE CORP                      COM          68389X105      1594    54664 SH        DEFINED 2        54664
  ORACLE CORP                      COM          68389X105       229     7865 SH        OTHER   2                 7865
  ORACLE CORP                      COM          68389X105      1021    35000 SH        DEFINED 3        35000
  ORMAT TECHNOLOGIES               COM          686688102         4      200 SH        OTHER   2                 200
  PACKAGING CORP OF AMERICA        COM          695156109        68     2300 SH        OTHER   2                 2300
  PALL CORP                        COM          696429307         6      100 SH        DEFINED 2        100
  PARKER-HANNIFIN                  COM          701094104        17      200 SH        DEFINED 2        200
  PARKER-HANNIFIN                  COM          701094104       106     1250 SH        OTHER   2                 1250
  PAYCHEX INC                      COM          704326107        31     1000 SH        DEFINED 2        1000
  PEABODY ENERGY CORP              COM          704549104        14      500 SH        OTHER   2                 500
  PEPSICO INC                      COM          713448108       173     2613 SH        SOLE             2613
  PEPSICO INC                      COM          713448108        13      200 SH        OTHER                     200
  PEPSICO INC                      COM          713448108      2017    30396 SH        DEFINED 2        30396
  PEPSICO INC                      COM          713448108      1437    21662 SH        OTHER   2                 21662
  PEPSICO INC                      COM          713448108      1141    17200 SH        DEFINED 3        17200
  PFIZER INC                       COM          717081103        41     1810 SH        SOLE             1810
  PFIZER INC                       COM          717081103       907    40074 SH        DEFINED 2        40074
  PFIZER INC                       COM          717081103       373    16461 SH        OTHER   2                 16461
  PFIZER INC                       COM          717081103      1359    60000 SH        DEFINED 3        60000
  PHILIP MORRIS INTERNATIONAL INC  COM          718172109       903    10194 SH        DEFINED 2        10194
  PHILIP MORRIS INTERNATIONAL INC  COM          718172109        29      325 SH        OTHER   2                 325
  PIKE ELECTRIC CORP               COM          721283109         6      700 SH        OTHER   2                 700
  PIONEER NATURAL RESOURCES CO     COM          723787107        14      126 SH        OTHER   2                 126
  PLAINS EXPLORATION               COM          726505100        10      237 SH        DEFINED 2        237
  PLUM CREEK TIMBER                COM          729251108        33      800 SH        OTHER   2                 800
  POWERSHARES                      EXC          73935X500        22     3950 SH        DEFINED 2        3950
  POWERSHARES                      EXC          73935X575         5      250 SH        DEFINED 2        250
  POWERSHARES                      EXC          73935X575        19     1000 SH        OTHER   2                 1000
  PRAXAIR, INC.                    COM          74005P104        65      565 SH        SOLE             565
  PRAXAIR, INC.                    COM          74005P104      1035     9027 SH        DEFINED 2        9027
  PRAXAIR, INC.                    COM          74005P104       135     1180 SH        OTHER   2                 1180
  PRAXAIR, INC.                    COM          74005P104       573     5000 SH        DEFINED 3        5000
  T ROWE PRICE                     COM          74144T108       112     1708 SH        SOLE             1708
  T ROWE PRICE                     COM          74144T108        16      250 SH        OTHER                     250
  T ROWE PRICE                     COM          74144T108      1285    19684 SH        DEFINED 2        19684
  T ROWE PRICE                     COM          74144T108       392     6000 SH        OTHER   2                 6000
  T ROWE PRICE                     COM          74144T108      1094    16750 SH        DEFINED 3        16750
  PROCTER & GAMBLE CO              COM          742718109       181     2698 SH        SOLE             2698
  PROCTER & GAMBLE CO              COM          742718109        13      200 SH        OTHER                     200
  PROCTER & GAMBLE CO              COM          742718109      1984    29517 SH        DEFINED 2        29517
  PROCTER & GAMBLE CO              COM          742718109       979    14570 SH        OTHER   2                 14570
  PROCTER & GAMBLE CO              COM          742718109      1378    20500 SH        DEFINED 3        20500
  PROGRESS ENERGY INC              COM          743263105        58     1085 SH        DEFINED 2        1085
  PROGRESS ENERGY INC              COM          743263105       125     2350 SH        OTHER   2                 2350
  PROSHARES                        EXC          74347R297         2      100 SH        DEFINED 2        100
  PRUDENTIAL FINANCIAL             COM          744320102        16      245 SH        SOLE             245
  PRUDENTIAL FINANCIAL             COM          744320102       677    10687 SH        DEFINED 2        10687
  PRUDENTIAL FINANCIAL             COM          744320102       571     9000 SH        DEFINED 3        9000
  PUBLIC SERVICE ENTERPRISE GRP.   COM          744573106        12      400 SH        DEFINED 2        400
  QUALCOMM INC                     COM          747525103       105     1550 SH        SOLE             1550
  QUALCOMM INC                     COM          747525103      1045    15360 SH        DEFINED 2        15360
  QUALCOMM INC                     COM          747525103        24      350 SH        OTHER   2                 350
  QUALCOMM INC                     COM          747525103      1722    25300 SH        DEFINED 3        25300
  QUEST DIAGNOSTICS INC            COM          74834L100        79     1300 SH        OTHER   2                 1300
  QUICKSILVER RESOURCES INC        COM          74837R104         3      650 SH        OTHER   2                 650
  ROYAL DUTCH SHELL PLC            COM          780259206        32      454 SH        SOLE             454
  ROYAL DUTCH SHELL PLC            COM          780259206        19      266 SH        DEFINED 2        266
  ROYAL DUTCH SHELL PLC            COM          780259206        14      200 SH        OTHER   2                 200
  SPDR S&P                         EXC          78462F103         7       50 SH        OTHER   2                 50
  SPDR GOLD TRUST ETF              EXC          78463V107       261     1609 SH        DEFINED 2        1609
  SPDR                             EXC          78463X798        55     2227 SH        DEFINED 2        2227
  SPDR                             EXC          78464A730        24      415 SH        DEFINED 2        415
  SPDR S&P MIDCAP 400 ETF TR       EXC          78467Y107         5       25 SH        OTHER   2                 25
  SCHLUMBERGER LTD                 COM          806857108       120     1710 SH        SOLE             1710
  SCHLUMBERGER LTD                 COM          806857108       880    12590 SH        DEFINED 2        12590
  SCHLUMBERGER LTD                 COM          806857108        49      705 SH        OTHER   2                 705
  SCHLUMBERGER LTD                 COM          806857108      1678    24000 SH        DEFINED 3        24000
  SECTOR SPDR TR FUND              EXC          81369Y100         4      100 SH        SOLE             100
  SECTOR SPDR TR FUND              EXC          81369Y100        90     2425 SH        DEFINED 2        2425
  SECTOR SPDR TR FUND              EXC          81369Y209        49     1300 SH        DEFINED 2        1300
  SECTOR SPDR TR FUND              EXC          81369Y209        56     1500 SH        OTHER   2                 1500
  SECTOR SPDR TR FUND              EXC          81369Y308        17      500 SH        DEFINED 2        500
  SECTOR SPDR TR FUND              EXC          81369Y407        61     1360 SH        DEFINED 2        1360
  SECTOR SPDR TR FUND              EXC          81369Y506        65      903 SH        DEFINED 2        903
  SECTOR SPDR TR FUND              EXC          81369Y506        52      725 SH        OTHER   2                 725
  SECTOR SPDR TR FUND              EXC          81369Y605        61     3840 SH        DEFINED 2        3840
  SECTOR SPDR TR FUND              EXC          81369Y605        63     4012 SH        OTHER   2                 4012
  SECTOR SPDR TR FUND              EXC          81369Y704        28      750 SH        OTHER   2                 750
  SECTOR SPDR TR FUND              EXC          81369Y803        98     3255 SH        DEFINED 2        3255
  SECTOR SPDR TR FUND              EXC          81369Y886         3       75 SH        SOLE             75
  SECTOR SPDR TR FUND              EXC          81369Y886        69     1955 SH        DEFINED 2        1955
  SECTOR SPDR TR FUND              EXC          81369Y886        47     1332 SH        OTHER   2                 1332
  SEMPRA ENERGY                    COM          816851109         6      100 SH        DEFINED 2        100
  SIEMENS INC                      COM          826197501        11      110 SH        DEFINED 2        110
  SIMON PPY GROUP INC NEW          COM          828806109         7       45 SH        SOLE             45
  SIMON PPY GROUP INC NEW          COM          828806109       354     2430 SH        DEFINED 2        2430
  SIMON PPY GROUP INC NEW          COM          828806109        40      275 SH        OTHER   2                 275
  SMUCKER (J.M.)                   COM          832696405         4       50 SH        OTHER   2                 50
  SOUTHERN CO                      COM          842587107        69     1530 SH        SOLE            1530
  SOUTHERN CO                      COM          842587107         9      200 SH        OTHER                     200
  SOUTHERN CO                      COM          842587107      1029    22904 SH        DEFINED 2        22904
  SOUTHERN CO                      COM          842587107        84     1875 SH        OTHER   2                 1875
  SOUTHERN CO                      COM          842587107      1168    26000 SH        DEFINED 3        26000
  STAPLES INCORPORATED             COM          855030102         1       25 SH        DEFINED 2        25
  STAPLES INCORPORATED             COM          855030102        32     2000 SH        OTHER   2                 2000
  STARBUCKS CORP                   COM          855244109         3       60 SH        SOLE             60
  STARBUCKS CORP                   COM          855244109       116     2080 SH        DEFINED 2        2080
  STARBUCKS CORP                   COM          855244109      1258    22500 SH        DEFINED 3        22500
  STATE STREET CORP COM            COM          857477103        25      560 SH        DEFINED 2        560
  STERIS CORPORATION               COM          859152100        16      500 SH        OTHER   2                 500
  STRYKER CORP                     COM          863667101        12      225 SH        DEFINED 2        225
  STRYKER CORP                     COM          863667101        33      600 SH        OTHER   2                 600
  SUFFOLK BANCORP                  COM          864739107        39     3000 SH        SOLE             3000
  TJX COMPANIES                    COM          872540109        81     2030 SH        SOLE             2030
  TJX COMPANIES                    COM          872540109         8      200 SH        OTHER                     200
  TJX COMPANIES                    COM          872540109      1077    27113 SH        DEFINED 2        27113
  TJX COMPANIES                    COM          872540109        91     2300 SH        OTHER   2                 2300
  TJX COMPANIES                    COM          872540109       516    13000 SH        DEFINED 3        13000
  TARGET CORP                      COM          87612E106        26      440 SH        SOLE             440
  TARGET CORP                      COM          87612E106        12      200 SH        OTHER                     200
  TARGET CORP                      COM          87612E106       785    13464 SH        DEFINED 2        13464
  TARGET CORP                      COM          87612E106       195     3342 SH        OTHER   2                 3342
  TEVA PHARM INDUS ADR             COM          881624209         9      200 SH        SOLE             200
  TEVA PHARM INDUS ADR             COM          881624209        36      800 SH        DEFINED 2        800
  TEVA PHARM INDUS ADR             COM          881624209        77     1700 SH        OTHER   2                 1700
  TEXAS INSTRUMENTS INC            COM          882508104         2       70 SH        SOLE             70
  TEXAS INSTRUMENTS INC            COM          882508104        82     2445 SH        DEFINED 2        2445
  3M COMPANY                       COM          88579Y101        82      915 SH        SOLE             915
  3M COMPANY                       COM          88579Y101       955    10705 SH        DEFINED 2        10705
  3M COMPANY                       COM          88579Y101       529     5930 SH        OTHER   2                 5930
  3M COMPANY                       COM          88579Y101       892    10000 SH        DEFINED 3        10000
  TIDEWATER, INC.                  COM          886423102         3       50 SH        SOLE             50
  TIDEWATER, INC.                  COM          886423102        47      875 SH        DEFINED 2        875
  TIDEWATER, INC.                  COM          886423102        24      450 SH        OTHER   2                 450
  TIFFANY                          COM          886547108        24      350 SH        DEFINED 2        350
  TIME WARNER INC NEW              COM          887317303        59     1550 SH        SOLE             1550
  TIME WARNER INC NEW              COM          887317303       804    21285 SH        DEFINED 2        21285
  TIME WARNER INC NEW              COM          887317303        34      890 SH        OTHER   2                 890
  TIME WARNER                      COM          88732J207         8      100 SH        SOLE             100
  TIME WARNER                      COM          88732J207         8      100 SH        DEFINED 2        100
  TOMPKINS FINANCIAL CORP          COM          890110109        44     1100 SH        SOLE             1100
  TORONTO-DOMINION BANK            COM          891160509       335     3945 SH        DEFINED 2        3945
  TORONTO-DOMINION BANK            COM          891160509       625     7359 SH        OTHER   2                 7359
  TRAVELERS COS INC                COM          89417E109        29      485 SH        SOLE             485
  TRAVELERS COS INC                COM          89417E109       424     7159 SH        DEFINED 2        7159
  TRAVELERS COS INC                COM          89417E109        26      440 SH        OTHER   2                 440
  TRAVELERS COS INC                COM          89417E109       947    16000 SH        DEFINED 3        16000
  TRUEBLUE INC.                    COM          89785X101        23     1300 SH        OTHER   2                 1300
  TRUSTCO BANK CORP                COM          898349105        43     7500 SH        SOLE             7500
  U.S. BANCORP                     COM          902973304       122     3855 SH        SOLE             3855
  U.S. BANCORP                     COM          902973304         3      100 SH        OTHER                     100
  U.S. BANCORP                     COM          902973304      1585    50020 SH        DEFINED 2        50020
  U.S. BANCORP                     COM          902973304       155     4885 SH        OTHER   2                 4885
  U.S. BANCORP                     COM          902973304      1340    42300 SH        DEFINED 3        42300
  UNDER ARMOUR INC                 COM          904311107        31      325 SH        SOLE             325
  UNDER ARMOUR INC                 COM          904311107        92      975 SH        DEFINED 2        975
  UNDER ARMOUR INC                 COM          904311107       470     5000 SH        DEFINED 3        5000
  UNION PACIFIC CORP               COM          907818108         3       30 SH        SOLE             30
  UNION PACIFIC CORP               COM          907818108       230     2140 SH        DEFINED 2        2140
  UNION PACIFIC CORP               COM          907818108         6       55 SH        OTHER   2                 55
  UNION PACIFIC CORP               COM          907818108      1075    10000 SH        DEFINED 3        10000
  UNITED PARCEL SERVICE            COM          911312106        43      530 SH        SOLE             530
  UNITED PARCEL SERVICE            COM          911312106       788     9767 SH        DEFINED 2        9767
  UNITED PARCEL SERVICE            COM          911312106        89     1100 SH        OTHER   2                 1100
  UNITED PARCEL SERVICE            COM          911312106       969    12000 SH        DEFINED 3        12000
  UNITED TECHNOLOGIES CORP         COM          913017109        93     1125 SH        SOLE             1125
  UNITED TECHNOLOGIES CORP         COM          913017109      1610    19417 SH        DEFINED 2        19417
  UNITED TECHNOLOGIES CORP         COM          913017109       899    10845 SH        OTHER   2                 10845
  UNITED TECHNOLOGIES CORP         COM          913017109       829    10000 SH        DEFINED 3        10000
  UNITED                           COM          91307C102         5      100 SH        DEFINED 2        100
  UNITEDHEALTH GROUP INC           COM          91324P102         4       65 SH        SOLE             65
  UNITEDHEALTH GROUP INC           COM          91324P102       128     2165 SH        DEFINED 2        2165
  UNITEDHEALTH GROUP INC           COM          91324P102         4       75 SH        OTHER   2                 75
  VANGUARD                         EXC          92204A405        13      400 SH        OTHER   2                 400
  VANGUARD                         EXC          922908769        49      674 SH        DEFINED 2        674
  VERIZON COMMUNICATIONS INC       COM          92343V104       119     3110 SH        SOLE             3110
  VERIZON COMMUNICATIONS INC       COM          92343V104      1368    35774 SH        DEFINED 2        35774
  VERIZON COMMUNICATIONS INC       COM          92343V104       383    10028 SH        OTHER   2                 10028
  VERIZON COMMUNICATIONS INC       COM          92343V104       956    25000 SH        DEFINED 3        25000
  VIACOM INC NEW                   COM          92553P201         7      156 SH        DEFINED 2        156
  VIACOM INC NEW                   COM          92553P201       103     2170 SH        OTHER   2                 2170
  VISA INC.                        COM          92826C839        66      560 SH        SOLE             560
  VISA INC.                        COM          92826C839       726     6150 SH        DEFINED 2        6150
  VISA INC.                        COM          92826C839      1180    10000 SH        DEFINED 3        10000
  VODAFONE GROUP PLC NEW           COM          92857W209        14      500 SH        SOLE             500
  WALMART STORES INC               COM          931142103       122     1995 SH        SOLE             1995
  WALMART STORES INC               COM          931142103      1155    18873 SH        DEFINED 2        18873
  WALMART STORES INC               COM          931142103       116     1890 SH        OTHER   2                 1890
  WALMART STORES INC               COM          931142103      1126    18400 SH        DEFINED 3        18400
  WALGREEN CO                      COM          931422109         4      125 SH        SOLE             125
  WALGREEN CO                      COM          931422109       228     6810 SH        DEFINED 2        6810
  WALGREEN CO                      COM          931422109         3      100 SH        OTHER   2                 100
  WALGREEN CO                      COM          931422109       569    17000 SH        DEFINED 3        17000
  WASTE MANAGEMENT INC             COM          94106L109         7      200 SH        DEFINED 2        200
  WATSON PHARMACEUTICALS INC.      COM          942683103        27      400 SH        SOLE             400
  WATSON PHARMACEUTICALS INC.      COM          942683103       397     5925 SH        DEFINED 2        5925
  WATSON PHARMACEUTICALS INC.      COM          942683103        20      300 SH        OTHER   2                 300
  WELLS FARGO CO                   COM          949746101       115     3380 SH        SOLE             3380
  WELLS FARGO CO                   COM          949746101        20      600 SH        OTHER                     600
  WELLS FARGO CO                   COM          949746101      1153    33762 SH        DEFINED 2        33762
  WELLS FARGO CO                   COM          949746101       219     6419 SH        OTHER   2                 6419
  WELLS FARGO CO                   COM          949746101      1707    50000 SH        DEFINED 3        50000
  WHOLE FOOD MARKET INC            COM          966837106        42      500 SH        OTHER   2                 500
  WINDSTREAM CORP                  COM          97381W104        27     2326 SH        DEFINED 2        2326
  WISCONSIN ENERGY CORP            COM          976657106        42     1200 SH        DEFINED 2        1200
  YRC WORLDWIDE INC                COM          984249607         0        4 SH        DEFINED 2        4
  YAHOO INC                        COM          984332106         3      200 SH        OTHER                     200
  YUM BRANDS INC                   COM          988498101         3       40 SH        SOLE             40
  YUM BRANDS INC                   COM          988498101       593     8327 SH        DEFINED 2        8327
  YUM BRANDS INC                   COM          988498101       534     7500 SH        DEFINED 3        7500
  ZIMMER                           COM          98956P102        22      350 SH        SOLE             350
  ZIMMER                           COM          98956P102       426     6630 SH        DEFINED 2        6630
  ZIMMER                           COM          98956P102        82     1275 SH        OTHER   2                 1275
  ACCENTURE PLC                    COM          G1151C101        18      275 SH        SOLE             275
  ACCENTURE PLC                    COM          G1151C101       445     6905 SH        DEFINED 2        6905
  ACCENTURE PLC                    COM          G1151C101        90     1400 SH        OTHER   2                 1400
  ACCENTURE PLC                    COM          G1151C101       774    12000 SH        DEFINED 3        12000
  COVIDIEN PLC                     COM          G2554F113        13      230 SH        SOLE             230
  COVIDIEN PLC                     COM          G2554F113       338     6185 SH        DEFINED 2        6185
  INGERSOLL-RAND PLC               COM          G47791101         3       71 SH        DEFINED 2        71
  NABORS INDUSTRIES LTD            COM          G6359F103       875    50000 SH        DEFINED 3        50000
  NOBLE                            COM          H5833N103        11      300 SH        DEFINED 2        300
  NOBLE                            COM          H5833N103        56     1500 SH        OTHER   2                 1500
  TRANSOCEAN LTD                   COM          H8817H100         3       47 SH        DEFINED 2        47
  TRANSOCEAN LTD                   COM          H8817H100        34      618 SH        OTHER   2                 618
  SYNERON MEDICAL LTD ORD          COM          M87245102        17     1600 SH        OTHER   2                 1600