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

Report for the Calendar Year or Quarter Ended: 06/30/2011

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: Executive Vice President & Chief Financial Officer
Phone: 518-745-1000
Signature, Place, and Date of Signing:

1    GLENS FALLS, NY    07/28/2011

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:           624
Form 13F Information Table Value Total:           $ 253,749

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       129     4110 SH        SOLE             4110
  AT&T INC                         COM          00206R102        41     1300 SH        OTHER                     1300
  AT&T INC                         COM          00206R102      1197    38103 SH        DEFINED 2        38103
  AT&T INC                         COM          00206R102       521    16600 SH        OTHER   2                 16600
  AT&T INC                         COM          00206R102       697    22200 SH        DEFINED 3        22200
  ABBOTT LABORATORIES              COM          002824100       106     2018 SH        SOLE             2018
  ABBOTT LABORATORIES              COM          002824100        11      200 SH        OTHER                     200
  ABBOTT LABORATORIES              COM          002824100      1674    31815 SH        DEFINED 2        31815
  ABBOTT LABORATORIES              COM          002824100       378     7178 SH        OTHER   2                 7178
  ABBOTT LABORATORIES              COM          002824100       858    16300 SH        DEFINED 3        16300
  ADOBE SYSTEMS                    COM          00724F101        19      600 SH        SOLE             600
  ADOBE SYSTEMS                    COM          00724F101       407    12955 SH        DEFINED 2        12955
  ADOBE SYSTEMS                    COM          00724F101         2       50 SH        OTHER   2                 50
  ADOBE SYSTEMS                    COM          00724F101       896    28500 SH        DEFINED 3        28500
  AETNA INC COM                    COM          00817Y108        11      250 SH        SOLE             250
  AETNA INC COM                    COM          00817Y108       396     8985 SH        DEFINED 2        8985
  AETNA INC COM                    COM          00817Y108       926    21000 SH        DEFINED 3        21000
  AGILENT TECHNOLOGIES             COM          00846U101        19      381 SH        DEFINED 2        381
  AIR PRODUCTS & CHEMICALS INC     COM          009158106        41      424 SH        DEFINED 2        424
  AIR PRODUCTS & CHEMICALS INC     COM          009158106       162     1700 SH        OTHER   2                 1700
  ALCOA INC                        COM          013817101       114     7195 SH        DEFINED 2        7195
  ALCATEL-LUCENT                   COM          013904305         0      107 SH        DEFINED 2        107
  ALLIANT ENERGY CORP              COM          018802108        32      790 SH        SOLE             790
  ALLIANT ENERGY CORP              COM          018802108       601    14775 SH        DEFINED 2        14775
  ALLIANT ENERGY CORP              COM          018802108        55     1350 SH        OTHER   2                 1350
  ALLIANT ENERGY CORP              COM          018802108       590    14500 SH        DEFINED 3        14500
  ALLSCRIPTS                       COM          01988P108        19     1000 SH        DEFINED 2        1000
  ALLSTATE CORP                    COM          020002101         3      100 SH        OTHER   2                 100
  ALTRIA GROUP INC                 COM          02209S103        17      629 SH        SOLE             629
  ALTRIA GROUP INC                 COM          02209S103       243     9193 SH        DEFINED 2        9193
  ALTRIA GROUP INC                 COM          02209S103        12      450 SH        OTHER   2                 450
  AMAZON.COM INC                   COM          023135106        97      473 SH        DEFINED 2        473
  AMERICAN ELECTRIC POWER CO       COM          025537101        14      360 SH        DEFINED 2        360
  AMERICAN EXPRESS CO              COM          025816109        90     1735 SH        SOLE             1735
  AMERICAN EXPRESS CO              COM          025816109        16      300 SH        OTHER                     300
  AMERICAN EXPRESS CO              COM          025816109      1378    26645 SH        DEFINED 2        26645
  AMERICAN EXPRESS CO              COM          025816109       172     3325 SH        OTHER   2                 3325
  AMERICAN EXPRESS CO              COM          025816109      1179    22800 SH        DEFINED 3        22800
  AMERIPRISE FINL INC              COM          03076C106         5       80 SH        DEFINED 2        80
  AMGEN INC                        COM          031162100         9      150 SH        OTHER                     150
  AMGEN INC                        COM          031162100       116     1993 SH        DEFINED 2        1993
  ANADARKO PETROLEUM CORP          COM          032511107        50      655 SH        DEFINED 2        655
  ANALOG DEVICES, INC.             COM          032654105       125     3200 SH        DEFINED 2        3200
  ANALOG DEVICES, INC.             COM          032654105       881    22500 SH        DEFINED 3        22500
  ANNALY CAPITAL MGMT INC          COM          035710409        22     1224 SH        DEFINED 2        1224
  APACHE CORP                      COM          037411105       104      839 SH        DEFINED 2        839
  APPLE INC                        COM          037833100        70      210 SH        SOLE             210
  APPLE INC                        COM          037833100      2305     6867 SH        DEFINED 2        6867
  APPLE INC                        COM          037833100       247      735 SH        OTHER   2                 735
  APPLE INC                        COM          037833100      2132     6350 SH        DEFINED 3        6350
  APPLIED MATERIALS INC            COM          038222105         1      100 SH        OTHER   2                 100
  AQUA AMER INC                    COM          03836W103         4      200 SH        DEFINED 2        200
  AQUA AMER INC                    COM          03836W103        32     1465 SH        OTHER   2                 1465
  ARCHER DANIELS MIDLAND CO        COM          039483102        32     1068 SH        DEFINED 2        1068
  ARROW                            COM          042744102        10      412 SH        SOLE             412
  ARROW                            COM          042744102     32004  1307903 SH        DEFINED 2        1307903
  ARROW                            COM          042744102       560    22894 SH        OTHER   2                 22894
  ATHENAHEALTH INC.                COM          04685W103         4      100 SH        DEFINED 2        100
  AUTOMATIC DATA PROCESSING        COM          053015103        30      568 SH        SOLE             568
  AUTOMATIC DATA PROCESSING        COM          053015103       210     3990 SH        DEFINED 2        3990
  AUTOMATIC DATA PROCESSING        COM          053015103       365     6930 SH        OTHER   2                 6930
  BHP BILLITON PLC-ADR             COM          05545E209         8      100 SH        DEFINED 2        100
  BP PLC                           COM          055622104        53     1192 SH        DEFINED 2        1192
  BP PLC                           COM          055622104        75     1700 SH        OTHER   2                 1700
  BAKER HUGHES INC                 COM          057224107        27      375 SH        DEFINED 2        375
  BAKER HUGHES INC                 COM          057224107        44      600 SH        OTHER   2                 600
  BANK OF AMERICA CORP             COM          060505104         8      725 SH        SOLE             725
  BANK OF AMERICA CORP             COM          060505104        97     8842 SH        DEFINED 2        8842
  BANK OF AMERICA CORP             COM          060505104        26     2389 SH        OTHER   2                 2389
  BANK OF NEW YORK MELLON CORP     COM          064058100        72     2807 SH        SOLE             2807
  BANK OF NEW YORK MELLON CORP     COM          064058100       960    37464 SH        DEFINED 2        37464
  BANK OF NEW YORK MELLON CORP     COM          064058100       142     5557 SH        OTHER   2                 5557
  BANK OF NEW YORK MELLON CORP     COM          064058100      1125    43930 SH        DEFINED 3        43930
  BARRICK GOLD                     COM          067901108        13      289 SH        DEFINED 2        289
  BAXTER INTL INC                  COM          071813109        72     1200 SH        SOLE             1200
  BAXTER INTL INC                  COM          071813109      1062    17800 SH        DEFINED 2        17800
  BAXTER INTL INC                  COM          071813109       334     5588 SH        OTHER   2                 5588
  BAXTER INTL INC                  COM          071813109       889    14900 SH        DEFINED 3        14900
  BERKSHIRE HATHAWAY INC           COM          084670702        30      385 SH        SOLE             385
  BERKSHIRE HATHAWAY INC           COM          084670702       986    12740 SH        DEFINED 2        12740
  BERKSHIRE HATHAWAY INC           COM          084670702        53      690 SH        OTHER   2                 690
  BERKSHIRE HATHAWAY INC           COM          084670702      1625    21000 SH        DEFINED 3        21000
  BERKSHIRE HILLS BANCORP INC      COM          084680107        34     1500 SH        SOLE             1500
  BEST BUY CO                      COM          086516101         3       86 SH        DEFINED 2        86
  BLACKROCK INC                    COM          09247X101         4       20 SH        SOLE             20
  BLACKROCK INC                    COM          09247X101       114      595 SH        DEFINED 2        595
  BLACKROCK INC                    COM          09247X101        38      200 SH        OTHER   2                 200
  BOEING COMPANY                   COM          097023105       218     2945 SH        DEFINED 2        2945
  BOSTON SCIENTIFIC CORP           COM          101137107         2      265 SH        DEFINED 2        265
  BRISTOL MYERS SQUIBB             COM          110122108        60     2085 SH        SOLE             2085
  BRISTOL MYERS SQUIBB             COM          110122108         3      100 SH        OTHER                     100
  BRISTOL MYERS SQUIBB             COM          110122108       814    28105 SH        DEFINED 2        28105
  BRISTOL MYERS SQUIBB             COM          110122108        85     2940 SH        OTHER   2                 2940
  BRISTOL MYERS SQUIBB             COM          110122108       898    31000 SH        DEFINED 3        31000
  BROADCOM CORP                    COM          111320107         3      100 SH        DEFINED 2        100
  BROWN FOREMAN DISTILLERS CORP    COM          115637100        31      432 SH        DEFINED 2        432
  BROWN FOREMAN DISTILLERS CORP    COM          115637209        46      610 SH        DEFINED 2        610
  BUCKEYE PARTNERS L P             LIM          118230101        32      500 PRN       DEFINED 2        500
  CVS/CAREMARK CORP                COM          126650100        70     1853 SH        DEFINED 2        1853
  CVS/CAREMARK CORP                COM          126650100         2       50 SH        OTHER   2                 50
  CA, INC.                         COM          12673P105        10      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         5      100 SH        DEFINED 2        100
  CAPSTONE TURBINE CORP            COM          14067D102         0      600 SH        DEFINED 2        600
  CARDINAL HEALTH INC              COM          14149Y108        20      450 SH        SOLE             450
  CARDINAL HEALTH INC              COM          14149Y108       248     5465 SH        DEFINED 2        5465
  CARDINAL HEALTH INC              COM          14149Y108       899    19800 SH        DEFINED 3        19800
  CARNIVAL                         COM          143658300        22      575 SH        SOLE             575
  CARNIVAL                         COM          143658300       325     8648 SH        DEFINED 2        8648
  CARNIVAL                         COM          143658300        31      834 SH        OTHER   2                 834
  CATERPILLAR INC                  COM          149123101       116     1090 SH        SOLE             1090
  CATERPILLAR INC                  COM          149123101      1324    12436 SH        DEFINED 2        12436
  CATERPILLAR INC                  COM          149123101       117     1100 SH        OTHER   2                 1100
  CATERPILLAR INC                  COM          149123101       905     8500 SH        DEFINED 3        8500
  CELGENE CORP                     COM          151020104       458     7600 SH        DEFINED 2        7600
  CELGENE CORP                     COM          151020104        12      200 SH        OTHER   2                 200
  CELGENE CORP                     COM          151020104       893    14800 SH        DEFINED 3        14800
  CHEVRON CORPORATION              COM          166764100       306     2979 SH        SOLE             2979
  CHEVRON CORPORATION              COM          166764100        30      290 SH        OTHER                     290
  CHEVRON CORPORATION              COM          166764100      3165    30778 SH        DEFINED 2        30778
  CHEVRON CORPORATION              COM          166764100       850     8265 SH        OTHER   2                 8265
  CHEVRON CORPORATION              COM          166764100      1872    18200 SH        DEFINED 3        18200
  CISCO SYSTEMS                    COM          17275R102       124     7950 SH        SOLE             7950
  CISCO SYSTEMS                    COM          17275R102         3      200 SH        OTHER                     200
  CISCO SYSTEMS                    COM          17275R102      1047    67059 SH        DEFINED 2        67059
  CISCO SYSTEMS                    COM          17275R102       240    15367 SH        OTHER   2                 15367
  CISCO SYSTEMS                    COM          17275R102      1224    78400 SH        DEFINED 3        78400
  CITIGROUP INC                    COM          172967424         1       30 SH        SOLE             30
  CITIGROUP INC                    COM          172967424         0       18 SH        DEFINED 2        18
  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       101     1500 SH        SOLE             1500
  COCA COLA CO.                    COM          191216100      1053    15653 SH        DEFINED 2        15653
  COCA COLA CO.                    COM          191216100         5       75 SH        OTHER   2                 75
  COCA COLA CO.                    COM          191216100      1750    26000 SH        DEFINED 3        26000
  COCA-COLA ENTERPRISES INC.       COM          19122T109        12      400 SH        DEFINED 2        400
  COGNIZANT TECH SOLUTIONS         COM          192446102        73     1000 SH        DEFINED 2        1000
  COLGATE-PALMOLIVE CO             COM          194162103        76      875 SH        SOLE             875
  COLGATE-PALMOLIVE CO             COM          194162103        17      200 SH        OTHER                     200
  COLGATE-PALMOLIVE CO             COM          194162103      1325    15155 SH        DEFINED 2        15155
  COLGATE-PALMOLIVE CO             COM          194162103       421     4815 SH        OTHER   2                 4815
  COLGATE-PALMOLIVE CO             COM          194162103      1355    15500 SH        DEFINED 3        15500
  COMCAST CORP NEW                 COM          20030N101        99     3889 SH        DEFINED 2        3889
  COMCAST CORP NEW                 COM          20030N101        10      375 SH        OTHER   2                 375
  COMCAST CORP NEW                 COM          20030N200         1       56 SH        DEFINED 2        56
  CONNECTICUT WATER SERVICE INC    COM          207797101         5      200 SH        OTHER   2                 200
  CONOCOPHILLIPS                   COM          20825C104        66      875 SH        SOLE             875
  CONOCOPHILLIPS                   COM          20825C104      1234    16405 SH        DEFINED 2        16405
  CONOCOPHILLIPS                   COM          20825C104       131     1742 SH        OTHER   2                 1742
  CONOCOPHILLIPS                   COM          20825C104       940    12500 SH        DEFINED 3        12500
  CONSOLIDATED EDISON INC          COM          209115104        51      967 SH        DEFINED 2        967
  CONSTELLATION ENERGY GROUP INC   COM          210371100         0       25 SH        DEFINED 2        25
  CORNING INC                      COM          219350105         7      400 SH        DEFINED 2        400
  CORNING INC                      COM          219350105        18     1000 SH        OTHER   2                 1000
  COSTCO WHOLESALE CORP NEW        COM          22160K105        71      875 SH        SOLE             875
  COSTCO WHOLESALE CORP NEW        COM          22160K105       770     9480 SH        DEFINED 2        9480
  COSTCO WHOLESALE CORP NEW        COM          22160K105        69      850 SH        OTHER   2                 850
  COSTCO WHOLESALE CORP NEW        COM          22160K105       877    10800 SH        DEFINED 3        10800
  DTE ENERGY CO.                   COM          233331107        10      199 SH        DEFINED 2        199
  DANAHER CORP                     COM          235851102        82     1550 SH        SOLE             1550
  DANAHER CORP                     COM          235851102        42      800 SH        OTHER                     800
  DANAHER CORP                     COM          235851102      1162    21935 SH        DEFINED 2        21935
  DANAHER CORP                     COM          235851102       296     5595 SH        OTHER   2                 5595
  DANAHER CORP                     COM          235851102      1749    33000 SH        DEFINED 3        33000
  DARDEN RESTAURANTS INC           COM          237194105        39      775 SH        SOLE             775
  DARDEN RESTAURANTS INC           COM          237194105       383     7705 SH        DEFINED 2        7705
  DARDEN RESTAURANTS INC           COM          237194105        25      500 SH        OTHER   2                 500
  DARDEN RESTAURANTS INC           COM          237194105       896    18000 SH        DEFINED 3        18000
  DEERE & CO                       COM          244199105        27      325 SH        SOLE             325
  DEERE & CO                       COM          244199105       756     9170 SH        DEFINED 2        9170
  DEERE & CO                       COM          244199105      1896    23000 SH        DEFINED 3        23000
  DELCATH SYSTEMS INC.             COM          24661P104         0      150 SH        DEFINED 2        150
  DELL INC                         COM          24702R101        12      745 SH        DEFINED 2        745
  DELL INC                         COM          24702R101         3      200 SH        OTHER   2                 200
  DENDREON CORP                    COM          24823Q107         4      100 SH        DEFINED 2        100
  DEVON ENERGY CORP NEW            COM          25179M103        39      490 SH        SOLE             490
  DEVON ENERGY CORP NEW            COM          25179M103       438     5555 SH        DEFINED 2        5555
  DEVON ENERGY CORP NEW            COM          25179M103      1088    13800 SH        DEFINED 3        13800
  WALT DISNEY COMPANY              COM          254687106       143     3664 SH        SOLE             3664
  WALT DISNEY COMPANY              COM          254687106         8      200 SH        OTHER                     200
  WALT DISNEY COMPANY              COM          254687106       870    22289 SH        DEFINED 2        22289
  WALT DISNEY COMPANY              COM          254687106       458    11725 SH        OTHER   2                 11725
  WALT DISNEY COMPANY              COM          254687106       976    25000 SH        DEFINED 3        25000
  DOLLAR TREE INC.                 COM          256746108       263     3945 SH        DEFINED 2        3945
  DOMINION RES INC VA NEW          COM          25746U109        88     1825 SH        SOLE             1825
  DOMINION RES INC VA NEW          COM          25746U109        10      200 SH        OTHER                     200
  DOMINION RES INC VA NEW          COM          25746U109      1203    24932 SH        DEFINED 2        24932
  DOMINION RES INC VA NEW          COM          25746U109       153     3175 SH        OTHER   2                 3175
  DOMINION RES INC VA NEW          COM          25746U109       840    17400 SH        DEFINED 3        17400
  DOW CHEMICAL CO                  COM          260543103        14      400 SH        OTHER                     400
  DOW CHEMICAL CO                  COM          260543103       227     6300 SH        DEFINED 2        6300
  EI DUPONT DE NEMOURS & CO        COM          263534109       218     4030 SH        DEFINED 2        4030
  EI DUPONT DE NEMOURS & CO        COM          263534109       122     2250 SH        OTHER   2                 2250
  DUKE ENERGY HLDG CORP            COM          26441C105        18      980 SH        DEFINED 2        980
  EMC CORP                         COM          268648102        79     2850 SH        SOLE             2850
  EMC CORP                         COM          268648102       910    33045 SH        DEFINED 2        33045
  EMC CORP                         COM          268648102        28     1000 SH        OTHER   2                 1000
  EMC CORP                         COM          268648102      2008    72900 SH        DEFINED 3        72900
  EQT CORP                         COM          26884L109        22      426 SH        DEFINED 2        426
  EAST WEST BANCORP                COM          27579R104        10      500 SH        OTHER   2                 500
  EASTMAN KODAK CO                 COM          277461109         0      100 SH        DEFINED 2        100
  EATON CORP                       COM          278058102       185     3600 SH        OTHER   2                 3600
  EATON VANCE                      COM          27828S101        64     4195 SH        DEFINED 2        4195
  EBAY INC                         COM          278642103        49     1520 SH        DEFINED 2        1520
  ECOLAB INC                       COM          278865100        39      700 SH        DEFINED 2        700
  ECOLAB INC                       COM          278865100        96     1700 SH        OTHER   2                 1700
  EL PASO CORPORATION              COM          28336L109        73     3600 SH        DEFINED 2        3600
  EMCOR GROUP                      COM          29084Q100         3      100 SH        DEFINED 2        100
  EMERSON ELECTRIC CO              COM          291011104        97     1730 SH        SOLE             1730
  EMERSON ELECTRIC CO              COM          291011104        11      200 SH        OTHER                     200
  EMERSON ELECTRIC CO              COM          291011104      1007    17893 SH        DEFINED 2        17893
  EMERSON ELECTRIC CO              COM          291011104       439     7800 SH        OTHER   2                 7800
  EMERSON ELECTRIC CO              COM          291011104       506     9000 SH        DEFINED 3        9000
  ENTERPRISE PRODS PARTNERS LP     LIM          293792107         6      150 PRN       DEFINED 2        150
  ENTROPIC COMMUNICATIONS INC      COM          29384R105         0      100 SH        DEFINED 2        100
  EXELON CORP                      COM          30161N101        28      650 SH        SOLE             650
  EXELON CORP                      COM          30161N101       200     4660 SH        DEFINED 2        4660
  EXELON CORP                      COM          30161N101         4      100 SH        OTHER   2                 100
  EXELON CORP                      COM          30161N101       428    10000 SH        DEFINED 3        10000
  EXXON MOBIL CORP                 COM          30231G102       397     4876 SH        SOLE             4876
  EXXON MOBIL CORP                 COM          30231G102        28      350 SH        OTHER                     350
  EXXON MOBIL CORP                 COM          30231G102      4115    50570 SH        DEFINED 2        50570
  EXXON MOBIL CORP                 COM          30231G102      1917    23559 SH        OTHER   2                 23559
  EXXON MOBIL CORP                 COM          30231G102      2995    36800 SH        DEFINED 3        36800
  FAIRPOINT COMMUNICATIONS INC.    COM          305560104         0        2 SH        OTHER   2                 2
  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        42      445 SH        DEFINED 2        445
  FIDELITY NATL FINANCIAL, INC.    COM          31620R105        71     4500 SH        DEFINED 2        4500
  FINANCIAL INSTITUTIONS INC       COM          317585404        49     3000 SH        SOLE             3000
  FIRST SOLAR, INC.                COM          336433107         2       18 SH        DEFINED 2        18
  FISERV INC                       COM          337738108        80     1285 SH        SOLE             1285
  FISERV INC                       COM          337738108       773    12350 SH        DEFINED 2        12350
  FISERV INC                       COM          337738108         6      100 SH        OTHER   2                 100
  FORD MOTOR CO                    COM          345370860        46     3305 SH        SOLE             3305
  FORD MOTOR CO                    COM          345370860       581    42141 SH        DEFINED 2        42141
  FORD MOTOR CO                    COM          345370860        37     2700 SH        OTHER   2                 2700
  FORD MOTOR CO                    COM          345370860       855    62000 SH        DEFINED 3        62000
  FORTUNE BRANDS INC               COM          349631101        38      600 SH        DEFINED 2        600
  FRANKLIN RESOURCES               COM          354613101        23      175 SH        DEFINED 2        175
  FREEPORT MCMORAN                 COM          35671D857        50      950 SH        SOLE             950
  FREEPORT MCMORAN                 COM          35671D857       872    16491 SH        DEFINED 2        16491
  FREEPORT MCMORAN                 COM          35671D857        90     1705 SH        OTHER   2                 1705
  FREEPORT MCMORAN                 COM          35671D857       894    16900 SH        DEFINED 3        16900
  FRONTIER COMMUNICATIONS CORP     COM          35906A108         0       49 SH        DEFINED 2        49
  GABELLI                          MUT          36242H104        22     1350 SH        DEFINED 2        1350
  GANNETT COMPANY INC              COM          364730101         2      150 SH        DEFINED 2        150
  GENERAL DYNAMICS                 COM          369550108       229     3075 SH        DEFINED 2        3075
  GENERAL DYNAMICS                 COM          369550108        41      550 SH        OTHER   2                 550
  GENERAL ELECTRIC CO              COM          369604103       149     7895 SH        SOLE             7895
  GENERAL ELECTRIC CO              COM          369604103      1448    76766 SH        DEFINED 2        76766
  GENERAL ELECTRIC CO              COM          369604103       918    48675 SH        OTHER   2                 48675
  GENERAL MILLS INC                COM          370334104        54     1463 SH        SOLE             1463
  GENERAL MILLS INC                COM          370334104         7      200 SH        OTHER                     200
  GENERAL MILLS INC                COM          370334104       658    17675 SH        DEFINED 2        17675
  GENERAL MILLS INC                COM          370334104       147     3950 SH        OTHER   2                 3950
  GENERAL MILLS INC                COM          370334104       837    22500 SH        DEFINED 3        22500
  GENUINE PARTS CO                 COM          372460105        27      505 SH        DEFINED 2        505
  GENWORTH FINL                    COM          37247D106         2      200 SH        DEFINED 2        200
  GENWORTH FINL                    COM          37247D106         1      100 SH        OTHER   2                 100
  GLAXO                            COM          37733W105         9      200 SH        OTHER   2                 200
  GOLDMAN SACHS GROUP              COM          38141G104        83      625 SH        DEFINED 2        625
  GOLDMAN SACHS GROUP              COM          38141G104         7       50 SH        OTHER   2                 50
  GOOGLE INC                       COM          38259P508        25       50 SH        SOLE             50
  GOOGLE INC                       COM          38259P508       190      376 SH        DEFINED 2        376
  GRAN TIERRA ENERGY, INC.         COM          38500T101         3      403 SH        DEFINED 2        403
  GREENBRIER COMPANIES             COM          393657101         4      200 SH        DEFINED 2        200
  HALLIBURTON CO                   COM          406216101       130     2540 SH        DEFINED 2        2540
  HALLIBURTON CO                   COM          406216101       995    19500 SH        DEFINED 3        19500
  HARLEY DAVIDSON INC              COM          412822108        52     1280 SH        OTHER   2                 1280
  HARSCO CORP                      COM          415864107         9      281 SH        DEFINED 2        281
  HARTFORD FINL SVCS GROUP INC.    COM          416515104        32     1213 SH        DEFINED 2        1213
  HARTFORD FINL SVCS GROUP INC.    COM          416515104         3      100 SH        OTHER   2                 100
  H J HEINZ CO                     COM          423074103        72     1350 SH        SOLE             1350
  H J HEINZ CO                     COM          423074103      1036    19439 SH        DEFINED 2        19439
  H J HEINZ CO                     COM          423074103       653    12250 SH        OTHER   2                 12250
  H J HEINZ CO                     COM          423074103      1039    19500 SH        DEFINED 3        19500
  HEWLETT PACKARD CO               COM          428236103        98     2700 SH        SOLE             2700
  HEWLETT PACKARD CO               COM          428236103        15      400 SH        OTHER                     400
  HEWLETT PACKARD CO               COM          428236103      1511    41499 SH        DEFINED 2        41499
  HEWLETT PACKARD CO               COM          428236103       809    22234 SH        OTHER   2                 22234
  HEWLETT PACKARD CO               COM          428236103      1481    40700 SH        DEFINED 3        40700
  HEXCEL CORP                      COM          428291108        17      775 SH        DEFINED 2        775
  HOME DEPOT, INC                  COM          437076102        88     2441 SH        SOLE             2441
  HOME DEPOT, INC                  COM          437076102         4      100 SH        OTHER                     100
  HOME DEPOT, INC                  COM          437076102       826    22803 SH        DEFINED 2        22803
  HOME DEPOT, INC                  COM          437076102       179     4940 SH        OTHER   2                 4940
  HOME DEPOT, INC                  COM          437076102      1605    44300 SH        DEFINED 3        44300
  HONEYWELL INTL                   COM          438516106        36      600 SH        SOLE             600
  HONEYWELL INTL                   COM          438516106       763    12805 SH        DEFINED 2        12805
  HONEYWELL INTL                   COM          438516106      2205    37000 SH        DEFINED 3        37000
  HOSPIRA INC                      COM          441060100        15      260 SH        OTHER   2                 260
  ITT CORP                         COM          450911102         6      100 SH        SOLE             100
  ITT CORP                         COM          450911102        71     1200 SH        DEFINED 2        1200
  ITT CORP                         COM          450911102         1       25 SH        OTHER   2                 25
  ILLINOIS TOOL WORKS INC.         COM          452308109         6      100 SH        DEFINED 2        100
  ILLINOIS TOOL WORKS INC.         COM          452308109        87     1543 SH        OTHER   2                 1543
  IMATION CORPORATION              COM          45245A107         1      120 SH        OTHER   2                 120
  INTEL CORP                       COM          458140100       233    10526 SH        SOLE             10526
  INTEL CORP                       COM          458140100         7      300 SH        OTHER                     300
  INTEL CORP                       COM          458140100      1986    89635 SH        DEFINED 2        89635
  INTEL CORP                       COM          458140100       381    17175 SH        OTHER   2                 17175
  INTEL CORP                       COM          458140100      2005    90500 SH        DEFINED 3        90500
  INTL BUSINESS MACHINES           COM          459200101       220     1283 SH        SOLE             1283
  INTL BUSINESS MACHINES           COM          459200101        17      100 SH        OTHER                     100
  INTL BUSINESS MACHINES           COM          459200101      4143    24149 SH        DEFINED 2        24149
  INTL BUSINESS MACHINES           COM          459200101      2179    12700 SH        OTHER   2                 12700
  INTL BUSINESS MACHINES           COM          459200101      2299    13400 SH        DEFINED 3        13400
  INTERNATIONAL PAPER CO           COM          460146103        23      775 SH        SOLE             775
  INTERNATIONAL PAPER CO           COM          460146103       308    10330 SH        DEFINED 2        10330
  INTERNATIONAL PAPER CO           COM          460146103        18      600 SH        OTHER   2                 600
  INTERNATIONAL PAPER CO           COM          460146103       760    25500 SH        DEFINED 3        25500
  ISHARES                          EXC          464285105         1      100 SH        DEFINED 2        100
  ISHARES                          EXC          464287176         6       56 SH        DEFINED 2        56
  ISHARES                          EXC          464287234        45      954 SH        DEFINED 2        954
  ISHARES                          EXC          464287564        11      154 SH        DEFINED 2        154
  ISHARES                          EXC          464288687       115     2900 SH        SOLE             2900
  ISHARES                          EXC          464288687      1194    30105 SH        DEFINED 2        30105
  ISHARES                          EXC          464288687       166     4178 SH        OTHER   2                 4178
  ISHARES                          EXC          464288695         7      100 SH        DEFINED 2        100
  ISHARES                          EXC          46428Q109        71     2084 SH        DEFINED 2        2084
  JPMORGAN CHASE & CO              COM          46625H100       155     3779 SH        SOLE             3779
  JPMORGAN CHASE & CO              COM          46625H100      1615    39456 SH        DEFINED 2        39456
  JPMORGAN CHASE & CO              COM          46625H100       372     9081 SH        OTHER   2                 9081
  JPMORGAN CHASE & CO              COM          46625H100      1719    42000 SH        DEFINED 3        42000
  JACOBS ENGINEERING GROUP INC.    COM          469814107       115     2661 SH        OTHER   2                 2661
  JOHNSON & JOHNSON                COM          478160104       257     3858 SH        SOLE             3858
  JOHNSON & JOHNSON                COM          478160104        10      150 SH        OTHER                     150
  JOHNSON & JOHNSON                COM          478160104      2901    43618 SH        DEFINED 2        43618
  JOHNSON & JOHNSON                COM          478160104      1639    24640 SH        OTHER   2                 24640
  JOHNSON & JOHNSON                COM          478160104       885    13300 SH        DEFINED 3        13300
  JOHNSON CONTROLS INC             COM          478366107        83     1985 SH        DEFINED 2        1985
  JOHNSON CONTROLS INC             COM          478366107        12      300 SH        OTHER   2                 300
  KADANT, INC.                     COM          48282T104        25      809 SH        DEFINED 2        809
  KAYDON CORP                      COM          486587108        37     1000 SH        DEFINED 2        1000
  KELLOGG CO.                      COM          487836108         4       75 SH        SOLE             75
  KELLOGG CO.                      COM          487836108       133     2405 SH        DEFINED 2        2405
  KELLOGG CO.                      COM          487836108       216     3900 SH        OTHER   2                 3900
  KIMBERLY-CLARK CORP              COM          494368103         3       44 SH        DEFINED 2        44
  KOHL'S CORP (WISCONSIN)          COM          500255104         4       75 SH        SOLE             75
  KOHL'S CORP (WISCONSIN)          COM          500255104       144     2875 SH        DEFINED 2        2875
  KOHL'S CORP (WISCONSIN)          COM          500255104       515    10300 SH        DEFINED 3        10300
  KRAFT FOODS INC                  COM          50075N104        18      525 SH        SOLE             525
  KRAFT FOODS INC                  COM          50075N104       370    10495 SH        DEFINED 2        10495
  KRAFT FOODS INC                  COM          50075N104        15      426 SH        OTHER   2                 426
  L3 COMMUNICATIONS HLD INC        COM          502424104         8       90 SH        DEFINED 2        90
  L3 COMMUNICATIONS HLD INC        COM          502424104         9      100 SH        OTHER   2                 100
  LEGG MASON INC                   COM          524901105         5      150 SH        DEFINED 2        150
  ELI LILLY & CO                   COM          532457108       182     4845 SH        DEFINED 2        4845
  ELI LILLY & CO                   COM          532457108        71     1900 SH        OTHER   2                 1900
  LIMITED BRANDS INC.              COM          532716107        21      550 SH        SOLE             550
  LIMITED BRANDS INC.              COM          532716107       459    11950 SH        DEFINED 2        11950
  LIMITED BRANDS INC.              COM          532716107       904    23500 SH        DEFINED 3        23500
  LOCKHEED MARTIN CORP             COM          539830109        47      575 SH        SOLE             575
  LOCKHEED MARTIN CORP             COM          539830109       735     9079 SH        DEFINED 2        9079
  LOCKHEED MARTIN CORP             COM          539830109         2       25 SH        OTHER   2                 25
  LOWES COMPANIES                  COM          548661107         2      100 SH        SOLE             100
  LOWES COMPANIES                  COM          548661107       119     5123 SH        DEFINED 2        5123
  LOWES COMPANIES                  COM          548661107       135     5800 SH        OTHER   2                 5800
  M&T BANK CORP                    COM          55261F104         0        2 SH        OTHER   2                 2
  MARATHON OIL CORP                COM          565849106        51      975 SH        SOLE             975
  MARATHON OIL CORP                COM          565849106       671    12742 SH        DEFINED 2        12742
  MARATHON OIL CORP                COM          565849106      1375    26100 SH        DEFINED 3        26100
  MARRIOTT INTERNATIONAL INC       COM          571903202        36     1009 SH        DEFINED 2        1009
  MASCO CORP                       COM          574599106         2      200 SH        OTHER   2                 200
  MCCORMICK & CO                   COM          579780206        40      800 SH        DEFINED 2        800
  MCCORMICK & CO                   COM          579780206         4       75 SH        OTHER   2                 75
  MCDONALDS CORP                   COM          580135101       132     1568 SH        SOLE             1568
  MCDONALDS CORP                   COM          580135101         8      100 SH        OTHER                     100
  MCDONALDS CORP                   COM          580135101      1735    20572 SH        DEFINED 2        20572
  MCDONALDS CORP                   COM          580135101       546     6475 SH        OTHER   2                 6475
  MCDONALDS CORP                   COM          580135101      1180    14000 SH        DEFINED 3        14000
  MCGRAW-HILL INC                  COM          580645109        29      700 SH        SOLE             700
  MEDCO HEALTH SOLUTIONS           COM          58405U102        38      665 SH        DEFINED 2        665
  MEDCO HEALTH SOLUTIONS           COM          58405U102        53      940 SH        OTHER   2                 940
  MEDTRONIC, INC                   COM          585055106        73     1905 SH        SOLE             1905
  MEDTRONIC, INC                   COM          585055106       622    16145 SH        DEFINED 2        16145
  MEDTRONIC, INC                   COM          585055106       111     2875 SH        OTHER   2                 2875
  MEDTRONIC, INC                   COM          585055106       813    21100 SH        DEFINED 3        21100
  MERCK & CO. INC.                 COM          58933Y105        45     1272 SH        SOLE             1272
  MERCK & CO. INC.                 COM          58933Y105       658    18647 SH        DEFINED 2        18647
  MERCK & CO. INC.                 COM          58933Y105       231     6550 SH        OTHER   2                 6550
  MERCK & CO. INC.                 COM          58933Y105       632    17900 SH        DEFINED 3        17900
  METLIFE                          COM          59156R108        33      750 SH        SOLE             750
  METLIFE                          COM          59156R108       521    11880 SH        DEFINED 2        11880
  METLIFE                          COM          59156R108         4      100 SH        OTHER   2                 100
  METLIFE                          COM          59156R108      1404    32000 SH        DEFINED 3        32000
  MICROSOFT CORP.                  COM          594918104       210     8080 SH        SOLE             8080
  MICROSOFT CORP.                  COM          594918104        10      400 SH        OTHER                     400
  MICROSOFT CORP.                  COM          594918104      2176    83690 SH        DEFINED 2        83690
  MICROSOFT CORP.                  COM          594918104       705    27124 SH        OTHER   2                 27124
  MICROSOFT CORP.                  COM          594918104      1529    58800 SH        DEFINED 3        58800
  MOHAWK INDUSTRIES INC            COM          608190104        13      225 SH        DEFINED 2        225
  MONSANTO CO NEW                  COM          61166W101        89     1225 SH        DEFINED 2        1225
  MONSANTO CO NEW                  COM          61166W101        22      300 SH        OTHER   2                 300
  MORGAN STANLEY                   COM          617446448        48     2100 SH        SOLE             2100
  MORGAN STANLEY                   COM          617446448       600    26075 SH        DEFINED 2        26075
  MORGAN STANLEY                   COM          617446448       943    41000 SH        DEFINED 3        41000
  MOTOROLA MOBILITY HOLDINGS       COM          620097105         0       25 SH        DEFINED 2        25
  NBT BANCORP INC                  COM          628778102        33     1500 SH        SOLE             1500
  NATIONAL OIL WELL VARCO INC      COM          637071101       166     2125 SH        DEFINED 2        2125
  NATIONAL OIL WELL VARCO INC      COM          637071101        90     1150 SH        OTHER   2                 1150
  NEWELL RUBBERMAID INC            COM          651229106         3      200 SH        OTHER   2                 200
  NEWMONT MINING CORP              COM          651639106        54     1005 SH        DEFINED 2        1005
  NEWS CORP                        COM          65248E104        45     2520 SH        DEFINED 2        2520
  NFJ                              COM          65337H109        21     1128 SH        DEFINED 2        1128
  NEXTERA ENERGY INC               COM          65339F101         9      150 SH        DEFINED 2        150
  NIKE INC                         COM          654106103         9      100 SH        SOLE             100
  NIKE INC                         COM          654106103       196     2180 SH        DEFINED 2        2180
  NIKE INC                         COM          654106103        36      400 SH        OTHER   2                 400
  NOBLE ENERGY                     COM          655044105         4       49 SH        DEFINED 2        49
  NORDSTROM INC                    COM          655664100        34      725 SH        SOLE             725
  NORDSTROM INC                    COM          655664100       429     9145 SH        DEFINED 2        9145
  NORDSTROM INC                    COM          655664100         9      200 SH        OTHER   2                 200
  NORDSTROM INC                    COM          655664100       986    21000 SH        DEFINED 3        21000
  NORFOLK SOUTHERN CORP            COM          655844108        44      585 SH        SOLE             585
  NORFOLK SOUTHERN CORP            COM          655844108       776    10360 SH        DEFINED 2        10360
  NORFOLK SOUTHERN CORP            COM          655844108       131     1750 SH        OTHER   2                 1750
  NORFOLK SOUTHERN CORP            COM          655844108       862    11500 SH        DEFINED 3        11500
  NORTHERN TRUST CORP              COM          665859104         6      125 SH        DEFINED 2        125
  NOVARTIS A G                     COM          66987V109         9      150 SH        OTHER   2                 150
  NOVO-NORDISK A/S                 COM          670100205        13      100 SH        DEFINED 2        100
  NUCOR CORP                       COM          670346105        20      475 SH        SOLE             475
  NUCOR CORP                       COM          670346105       414    10050 SH        DEFINED 2        10050
  NUCOR CORP                       COM          670346105        10      250 SH        OTHER   2                 250
  NUCOR CORP                       COM          670346105       849    20600 SH        DEFINED 3        20600
  NUVEEN                           EXC          67066V101        15     1167 SH        DEFINED 2        1167
  NUVEEN                           EXC          67070A101         5      360 SH        DEFINED 2        360
  OCCIDENTAL PETROLEUM CORP        COM          674599105        82      790 SH        SOLE             790
  OCCIDENTAL PETROLEUM CORP        COM          674599105      1654    15893 SH        DEFINED 2        15893
  OCCIDENTAL PETROLEUM CORP        COM          674599105        13      125 SH        OTHER   2                 125
  OCCIDENTAL PETROLEUM CORP        COM          674599105      1769    17000 SH        DEFINED 3        17000
  OLIN CORP                        COM          680665205         7      300 SH        OTHER   2                 300
  ORACLE CORP                      COM          68389X105       132     4020 SH        SOLE             4020
  ORACLE CORP                      COM          68389X105         7      200 SH        OTHER                     200
  ORACLE CORP                      COM          68389X105      1892    57484 SH        DEFINED 2        57484
  ORACLE CORP                      COM          68389X105       232     7050 SH        OTHER   2                 7050
  ORACLE CORP                      COM          68389X105      1810    55000 SH        DEFINED 3        55000
  PACKAGING CORP OF AMERICA        COM          695156109        12      430 SH        DEFINED 2        430
  PACKAGING CORP OF AMERICA        COM          695156109        64     2300 SH        OTHER   2                 2300
  PARKER-HANNIFIN                  COM          701094104        18      200 SH        DEFINED 2        200
  PARKER-HANNIFIN                  COM          701094104       112     1250 SH        OTHER   2                 1250
  PAYCHEX INC                      COM          704326107        31     1000 SH        DEFINED 2        1000
  PENN WEST PETROLEUM LTD          COM          707887105        30     1300 SH        DEFINED 2        1300
  PEPSICO INC                      COM          713448108       184     2613 SH        SOLE             2613
  PEPSICO INC                      COM          713448108        14      200 SH        OTHER                     200
  PEPSICO INC                      COM          713448108      2349    33359 SH        DEFINED 2        33359
  PEPSICO INC                      COM          713448108      1659    23556 SH        OTHER   2                 23556
  PEPSICO INC                      COM          713448108       859    12200 SH        DEFINED 3        12200
  PFIZER INC                       COM          717081103       731    35499 SH        DEFINED 2        35499
  PFIZER INC                       COM          717081103       349    16961 SH        OTHER   2                 16961
  PHILIP MORRIS INTERNATIONAL INC  COM          718172109       637     9545 SH        DEFINED 2        9545
  PHILIP MORRIS INTERNATIONAL INC  COM          718172109        23      350 SH        OTHER   2                 350
  PLAINS EXPLORATION               COM          726505100         9      237 SH        DEFINED 2        237
  POWERSHARES                      EXC          73935X500        36     3950 SH        DEFINED 2        3950
  POWERSHARES                      EXC          73935X575         5      250 SH        DEFINED 2        250
  PRAXAIR, INC.                    COM          74005P104        75      690 SH        SOLE             690
  PRAXAIR, INC.                    COM          74005P104      1106    10205 SH        DEFINED 2        10205
  PRAXAIR, INC.                    COM          74005P104       132     1215 SH        OTHER   2                 1215
  PRAXAIR, INC.                    COM          74005P104       845     7800 SH        DEFINED 3        7800
  T ROWE PRICE                     COM          74144T108       121     2008 SH        SOLE             2008
  T ROWE PRICE                     COM          74144T108        15      250 SH        OTHER                     250
  T ROWE PRICE                     COM          74144T108      1429    23684 SH        DEFINED 2        23684
  T ROWE PRICE                     COM          74144T108       415     6875 SH        OTHER   2                 6875
  T ROWE PRICE                     COM          74144T108      1916    31750 SH        DEFINED 3        31750
  PROCTER & GAMBLE CO              COM          742718109       211     3323 SH        SOLE             3323
  PROCTER & GAMBLE CO              COM          742718109        13      200 SH        OTHER                     200
  PROCTER & GAMBLE CO              COM          742718109      1865    29335 SH        DEFINED 2        29335
  PROCTER & GAMBLE CO              COM          742718109       958    15070 SH        OTHER   2                 15070
  PROCTER & GAMBLE CO              COM          742718109      1017    16000 SH        DEFINED 3        16000
  PROGRESS ENERGY INC              COM          743263105         5      100 SH        SOLE             100
  PROGRESS ENERGY INC              COM          743263105       102     2125 SH        DEFINED 2        2125
  PROGRESS ENERGY INC              COM          743263105       114     2380 SH        OTHER   2                 2380
  PROVIDENT ENERGY LTD             COM          74386V100        29     3300 SH        DEFINED 2        3300
  PRUDENTIAL FINANCIAL             COM          744320102         5       75 SH        SOLE             75
  PRUDENTIAL FINANCIAL             COM          744320102       253     3975 SH        DEFINED 2        3975
  PUBLIC SERVICE ENTERPRISE GRP.   COM          744573106        13      400 SH        DEFINED 2        400
  QUALCOMM INC                     COM          747525103        47      835 SH        SOLE             835
  QUALCOMM INC                     COM          747525103       688    12110 SH        DEFINED 2        12110
  QUALCOMM INC                     COM          747525103         7      125 SH        OTHER   2                 125
  QUALCOMM INC                     COM          747525103      1721    30300 SH        DEFINED 3        30300
  QUEST DIAGNOSTICS INC            COM          74834L100        77     1300 SH        OTHER   2                 1300
  REPSOL YPF SA                    COM          76026T205         3      100 SH        OTHER   2                 100
  RESEARCH IN MOTION USD COMMON    COM          760975102         1       50 SH        SOLE             50
  RESEARCH IN MOTION USD COMMON    COM          760975102         3      100 SH        DEFINED 2        100
  ROCKWELL COLLINS INC             COM          774341101         9      150 SH        DEFINED 2        150
  ROYAL DUTCH SHELL PLC            COM          780259206        55      772 SH        SOLE             772
  ROYAL DUTCH SHELL PLC            COM          780259206        58      816 SH        DEFINED 2        816
  ROYAL DUTCH SHELL PLC            COM          780259206        14      200 SH        OTHER   2                 200
  SPDR GOLD TRUST ETF              EXC          78463V107       223     1526 SH        DEFINED 2        1526
  SPDR S&P                         EXC          78463X798        44     1587 SH        DEFINED 2        1587
  SPDR                             EXC          78464A730        24      415 SH        DEFINED 2        415
  ST JUDE MEDICAL INC              COM          790849103        10      200 SH        DEFINED 2        200
  ST JUDE MEDICAL INC              COM          790849103        36      750 SH        OTHER   2                 750
  SCHLUMBERGER LTD                 COM          806857108        74      855 SH        SOLE             855
  SCHLUMBERGER LTD                 COM          806857108       405     4685 SH        DEFINED 2        4685
  SCHLUMBERGER LTD                 COM          806857108        78      900 SH        OTHER   2                 900
  SCHLUMBERGER LTD                 COM          806857108       933    10800 SH        DEFINED 3        10800
  SECTOR SPDR TR FUND              EXC          81369Y100         4      100 SH        SOLE             100
  SECTOR SPDR TR FUND              EXC          81369Y100        97     2475 SH        DEFINED 2        2475
  SECTOR SPDR TR FUND              EXC          81369Y209        28      800 SH        DEFINED 2        800
  SECTOR SPDR TR FUND              EXC          81369Y308         9      300 SH        DEFINED 2        300
  SECTOR SPDR TR FUND              EXC          81369Y407        35      860 SH        DEFINED 2        860
  SECTOR SPDR TR FUND              EXC          81369Y506        76     1013 SH        DEFINED 2        1013
  SECTOR SPDR TR FUND              EXC          81369Y605        29     1890 SH        DEFINED 2        1890
  SECTOR SPDR TR FUND              EXC          81369Y803        44     1710 SH        DEFINED 2        1710
  SECTOR SPDR TR FUND              EXC          81369Y886        69     2070 SH        DEFINED 2        2070
  SIEMENS INC                      COM          826197501        15      110 SH        DEFINED 2        110
  SIMON PPY GROUP INC NEW          COM          828806109       159     1370 SH        DEFINED 2        1370
  SIMON PPY GROUP INC NEW          COM          828806109        32      275 SH        OTHER   2                 275
  SMUCKER (J.M.)                   COM          832696405         4       50 SH        OTHER   2                 50
  SONOCO PRODUCTS                  COM          835495102        23      650 SH        DEFINED 2        650
  SOUTHERN CO                      COM          842587107        51     1260 SH        SOLE             1260
  SOUTHERN CO                      COM          842587107         8      200 SH        OTHER                     200
  SOUTHERN CO                      COM          842587107       684    16929 SH        DEFINED 2        16929
  SOUTHERN CO                      COM          842587107        72     1775 SH        OTHER   2                 1775
  SOUTHERN CO                      COM          842587107       848    21000 SH        DEFINED 3        21000
  SPECTRA ENERGY CORP              COM          847560109        11      390 SH        DEFINED 2        390
  STAPLES INCORPORATED             COM          855030102        25     1575 SH        DEFINED 2        1575
  STAPLES INCORPORATED             COM          855030102        32     2000 SH        OTHER   2                 2000
  STARBUCKS CORP                   COM          855244109         8      200 SH        DEFINED 2        200
  STATE STREET CORP COM            COM          857477103        31      685 SH        DEFINED 2        685
  STRYKER CORP                     COM          863667101        26      450 SH        DEFINED 2        450
  STRYKER CORP                     COM          863667101        35      600 SH        OTHER   2                 600
  SUFFOLK BANCORP                  COM          864739107        27     2000 SH        SOLE             2000
  SUFFOLK BANCORP                  COM          864739107        35     2440 sh        DEFINED 2        2440
  TJX COMPANIES                    COM          872540109        63     1195 SH        SOLE             1195
  TJX COMPANIES                    COM          872540109         5      100 SH        OTHER                     100
  TJX COMPANIES                    COM          872540109       823    15669 SH        DEFINED 2        15669
  TJX COMPANIES                    COM          872540109        68     1300 SH        OTHER   2                 1300
  TJX COMPANIES                    COM          872540109       867    16500 SH        DEFINED 3        16500
  TARGET CORP                      COM          87612E106        20      435 SH        SOLE             435
  TARGET CORP                      COM          87612E106         9      200 SH        OTHER                     200
  TARGET CORP                      COM          87612E106       556    11859 SH        DEFINED 2        11859
  TARGET CORP                      COM          87612E106       163     3467 SH        OTHER   2                 3467
  TEMPLE INLAND INC                COM          879868107        21      720 SH        DEFINED 2        720
  TEVA PHARM INDUS ADR             COM          881624209        10      200 SH        SOLE             200
  TEVA PHARM INDUS ADR             COM          881624209        43      900 SH        DEFINED 2        900
  TEVA PHARM INDUS ADR             COM          881624209       135     2800 SH        OTHER   2                 2800
  TEXAS INSTRUMENTS INC            COM          882508104        48     1470 SH        DEFINED 2        1470
  3M COMPANY                       COM          88579Y101        89      940 SH        SOLE             940
  3M COMPANY                       COM          88579Y101      1061    11185 SH        DEFINED 2        11185
  3M COMPANY                       COM          88579Y101       595     6275 SH        OTHER   2                 6275
  3M COMPANY                       COM          88579Y101       664     7000 SH        DEFINED 3        7000
  TIDEWATER, INC.                  COM          886423102        32      600 SH        SOLE             600
  TIDEWATER, INC.                  COM          886423102       233     4335 SH        DEFINED 2        4335
  TIDEWATER, INC.                  COM          886423102        24      450 SH        OTHER   2                 450
  TIFFANY                          COM          886547108        27      350 SH        DEFINED 2        350
  TIME WARNER INC NEW              COM          887317303        38     1050 SH        SOLE             1050
  TIME WARNER INC NEW              COM          887317303       654    17970 SH        DEFINED 2        17970
  TIME WARNER INC NEW              COM          887317303        22      600 SH        OTHER   2                 600
  TIME WARNER INC NEW              COM          887317303      1055    29000 SH        DEFINED 3        29000
  TIME WARNER                      COM          88732J207         8      100 SH        SOLE             100
  TIME WARNER                      COM          88732J207         8      100 SH        DEFINED 2        100
  TOMPKINS FINANCIAL CORP          COM          890110109        43     1100 SH        SOLE             1100
  TORONTO-DOMINION BANK            COM          891160509       335     3945 SH        DEFINED 2        3945
  TORONTO-DOMINION BANK            COM          891160509       110     1290 SH        OTHER   2                 1290
  TRAVELERS COS INC                COM          89417E109       236     4034 SH        DEFINED 2        4034
  TRAVELERS COS INC                COM          89417E109        22      375 SH        OTHER   2                 375
  TRAVELERS COS INC                COM          89417E109       817    14000 SH        DEFINED 3        14000
  U.S. BANCORP                     COM          902973304       107     4175 SH        SOLE             4175
  U.S. BANCORP                     COM          902973304         3      100 SH        OTHER                     100
  U.S. BANCORP                     COM          902973304      1160    45465 SH        DEFINED 2        45465
  U.S. BANCORP                     COM          902973304       121     4725 SH        OTHER   2                 4725
  U.S. BANCORP                     COM          902973304       824    32300 SH        DEFINED 3        32300
  UNION PACIFIC CORP               COM          907818108        99      950 SH        DEFINED 2        950
  UNITED PARCEL SERVICE            COM          911312106        41      560 SH        SOLE             560
  UNITED PARCEL SERVICE            COM          911312106       659     9032 SH        DEFINED 2        9032
  UNITED PARCEL SERVICE            COM          911312106        80     1100 SH        OTHER   2                 1100
  UNITED PARCEL SERVICE            COM          911312106       875    12000 SH        DEFINED 3        12000
  UNITED TECHNOLOGIES CORP         COM          913017109       119     1345 SH        SOLE             1345
  UNITED TECHNOLOGIES CORP         COM          913017109      1919    21677 SH        DEFINED 2        21677
  UNITED TECHNOLOGIES CORP         COM          913017109       998    11275 SH        OTHER   2                 11275
  UNITED TECHNOLOGIES CORP         COM          913017109       885    10000 SH        DEFINED 3        10000
  UNITED                           COM          91307C102         6      100 SH        DEFINED 2        100
  UNITEDHEALTH GROUP INC           COM          91324P102        64     1250 SH        DEFINED 2        1250
  UNITEDHEALTH GROUP INC           COM          91324P102         4       75 SH        OTHER   2                 75
  VALE SA                          COM          91912E105         9      270 SH        DEFINED 2        270
  VANGUARD                         EXC          922908769        60      871 SH        DEFINED 2        871
  VERIZON COMMUNICATIONS INC       COM          92343V104        85     2275 SH        SOLE             2275
  VERIZON COMMUNICATIONS INC       COM          92343V104      1143    30698 SH        DEFINED 2        30698
  VERIZON COMMUNICATIONS INC       COM          92343V104       354     9500 SH        OTHER   2                 9500
  VERIZON COMMUNICATIONS INC       COM          92343V104       670    18000 SH        DEFINED 3        18000
  VIACOM INC NEW                   COM          92553P201         8      156 SH        DEFINED 2        156
  VIACOM INC NEW                   COM          92553P201       111     2170 SH        OTHER   2                 2170
  VISA INC.                        COM          92826C839        25      300 SH        DEFINED 2        300
  VODAFONE GROUP PLC NEW           COM          92857W209        13      500 SH        SOLE             500
  VULCAN MATERIALS CO              COM          929160109        32      840 SH        DEFINED 2        840
  WALMART STORES INC               COM          931142103       126     2375 SH        SOLE             2375
  WALMART STORES INC               COM          931142103       965    18168 SH        DEFINED 2        18168
  WALMART STORES INC               COM          931142103        94     1775 SH        OTHER   2                 1775
  WALMART STORES INC               COM          931142103       712    13400 SH        DEFINED 3        13400
  WALGREEN CO                      COM          931422109        49     1145 SH        DEFINED 2        1145
  WASHINGTON FED INC               COM          938824109        13      800 SH        DEFINED 2        800
  WASTE MANAGEMENT INC             COM          94106L109         7      200 SH        DEFINED 2        200
  WATSON PHARMACEUTICALS INC.      COM          942683103         3       50 SH        SOLE             50
  WATSON PHARMACEUTICALS INC.      COM          942683103       306     4445 SH        DEFINED 2        4445
  WATSON PHARMACEUTICALS INC.      COM          942683103        21      300 SH        OTHER   2                 300
  WATSON PHARMACEUTICALS INC.      COM          942683103       962    14000 SH        DEFINED 3        14000
  WELLS FARGO CO                   COM          949746101        98     3480 SH        SOLE             3480
  WELLS FARGO CO                   COM          949746101        17      600 SH        OTHER                     600
  WELLS FARGO CO                   COM          949746101      1435    51130 SH        DEFINED 2        51130
  WELLS FARGO CO                   COM          949746101       192     6859 SH        OTHER   2                 6859
  WELLS FARGO CO                   COM          949746101      1122    40000 SH        DEFINED 3        40000
  WINDSTREAM CORP                  COM          97381W104        30     2326 SH        DEFINED 2        2326
  WISCONSIN ENERGY CORP            COM          976657106        38     1200 SH        DEFINED 2        1200
  YRC WORLDWIDE INC                COM          984249300         1     1200 SH        DEFINED 2        1200
  YAHOO INC                        COM          984332106         5      300 SH        OTHER                      300
  YUM BRANDS INC                   COM          988498101       222     4018 SH        DEFINED 2        4018
  ZIMMER                           COM          98956P102         9      150 SH        SOLE             150
  ZIMMER                           COM          98956P102       358     5660 SH        DEFINED 2        5660
  ZIMMER                           COM          98956P102       150     2375 SH        OTHER   2                 2375
  ZIMMER                           COM          98956P102       613     9700 SH        DEFINED 3        9700
  ACCENTURE PLC                    COM          G1151C101       199     3300 SH        DEFINED 2        3300
  ACCENTURE PLC                    COM          G1151C101        85     1400 SH        OTHER   2                 1400
  INGERSOLL-RAND PLC               COM          G47791101         3       71 SH        DEFINED 2        71
  MARVELL TECHNOLOGY GROUP         COM          G5876H105         1      100 SH        DEFINED 2        100
  NOBLE                            COM          H5833N103        32      800 SH        SOLE             800
  NOBLE                            COM          H5833N103       222     5635 SH        DEFINED 2        5635
  NOBLE                            COM          H5833N103        59     1500 SH        OTHER   2                 1500
  TRANSOCEAN LTD                   COM          H8817H100        27      424 SH        DEFINED 2        424
  TRANSOCEAN LTD                   COM          H8817H100        40      618 SH        OTHER   2                 618
  CNH GLOBAL                       COM          N20935206         6      150 SH        DEFINED 2        150