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

Report for the Calendar Year or Quarter Ended: 12/31/2011

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    01/23/2012

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:           662
Form 13F Information Table Value Total:           $ 252,958

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

2           28-03696               GLENS FALLS NATIONAL BANK & TRUST CO.
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       151     4995 SH        SOLE             4995
  AT&T INC                         COM          00206R102      1453    48033 SH        DEFINED 2        48033
  AT&T INC                         COM          00206R102        39     1300 SH        OTHER                     1300
  AT&T INC                         COM          00206R102       484    16001 SH        OTHER   2                 16001
  AT&T INC                         COM          00206R102      1427    47200 SH        DEFINED 3        47200
  ABBOTT LABORATORIES              COM          002824100       106     1893 SH        SOLE             1893
  ABBOTT LABORATORIES              COM          002824100      1659    29510 SH        DEFINED 2        29510
  ABBOTT LABORATORIES              COM          002824100        11      200 SH        OTHER                 	 200
  ABBOTT LABORATORIES              COM          002824100       395     7028 SH        OTHER   2                 7028
  ABBOTT LABORATORIES              COM          002824100       917    16300 SH        DEFINED 3        16300
  ACTIVISION BLIZZARD, INC.        COM          00507V109         4      350 SH        DEFINED 2        350
  ACTIVISION BLIZZARD, INC.        COM          00507V109       678    55000 SH        DEFINED 3        55000
  ADOBE SYSTEMS                    COM          00724F101       118     4175 SH        DEFINED 2        4175
  ADOBE SYSTEMS                    COM          00724F101         1       50 SH        OTHER   2                 50
  AETNA INC COM                    COM          00817Y108        11      250 SH        SOLE             250
  AETNA INC COM                    COM          00817Y108       524    12410 SH        DEFINED 2        12410
  AETNA INC COM                    COM          00817Y108        23      550 SH        OTHER   2                 550
  AETNA INC COM                    COM          00817Y108       886    21000 SH        DEFINED 3        21000
  AIR PRODUCTS & CHEMICALS INC     COM          009158106        21      245 SH        DEFINED 2        245
  AIR PRODUCTS & CHEMICALS INC     COM          009158106       145     1700 SH        OTHER   2                 1700
  ALCOA INC                        COM          013817101        62     7195 SH        DEFINED 2        7195
  ALCATEL-LUCENT                   COM          013904305         0      146 SH        DEFINED 2        146
  ALLIANT ENERGY CORP              COM          018802108        35      790 SH        SOLE             790
  ALLIANT ENERGY CORP              COM          018802108       791    17937 SH        DEFINED 2        17937
  ALLIANT ENERGY CORP              COM          018802108       640    14500 SH        DEFINED 3        14500
  ALLIANT ENERGY CORP              COM          018802108        60     1350 SH        OTHER   2                 1350
  ALLSCRIPTS                       COM          01988P108        19     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       273     9193 SH        DEFINED 2        9193
  ALTRIA GROUP INC                 COM          02209S103        13      450 SH        OTHER   2                 450
  AMAZON.COM INC                   COM          023135106        31      180 SH        SOLE             180
  AMAZON.COM INC                   COM          023135106       314     1813 SH        DEFINED 2        1813
  AMAZON.COM INC                   COM          023135106       692     4000 SH        DEFINED 3        4000
  AMERICAN ELECTRIC POWER CO       COM          025537101        15      360 SH        DEFINED 2        360
  AMERICAN EXPRESS CO              COM          025816109        85     1805 SH        SOLE             1805
  AMERICAN EXPRESS CO              COM          025816109        14      300 SH        OTHER                     300
  AMERICAN EXPRESS CO              COM          025816109       157     3325 SH        OTHER   2                 3325
  AMERICAN EXPRESS CO              COM          025816109      1252    26535 SH        DEFINED 2        26535
  AMERICAN EXPRESS CO              COM          025816109      1311    27800 SH        DEFINED 3        27800
  AMERICAN TOWER CORP              COM          029912201        21      350 SH        SOLE             350
  AMERICAN TOWER CORP              COM          029912201        66     1095 SH        DEFINED 2        1095
  AMERIPRISE FINL INC              COM          03076C106         4       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       175     2718 SH        DEFINED 2        2718
  ANADARKO PETROLEUM CORP          COM          032511107        25      330 SH        SOLE             330
  ANADARKO PETROLEUM CORP          COM          032511107       327     4280 SH        DEFINED 2        4280
  ANADARKO PETROLEUM CORP          COM          032511107       763    10000 SH        DEFINED 3        10000
  ANALOG DEVICES, INC.             COM          032654105       125     3500 SH        DEFINED 2        3500
  ANALOG DEVICES, INC.             COM          032654105       984    27500 SH        DEFINED 3        27500
  ANNALY CAPITAL MGMT INC          COM          035710409        16     1024 SH        DEFINED 2        1024
  APACHE CORP                      COM          037411105        29      325 SH        SOLE             325
  APACHE CORP                      COM          037411105       358     3954 SH        DEFINED 2        3954
  APACHE CORP                      COM          037411105       906    10000 SH        DEFINED 3        10000
  APPLE INC                        COM          037833100       103      255 SH        SOLE             255
  APPLE INC                        COM          037833100      2832     6993 SH        DEFINED 2        6993
  APPLE INC                        COM          037833100      2977     7350 SH        DEFINED 3        7350
  APPLE INC                        COM          037833100       277      685 SH        OTHER   2                 685
  APPLIED MATERIALS INC            COM          038222105         2      215 SH        DEFINED 2        215
  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
  ARROW                            COM          042744102        12      524 SH        SOLE             524
  ARROW                            COM          042744102     32053  1367434 SH        DEFINED 2        1367434
  ARROW                            COM          042744102       550    23465 SH        OTHER   2                 23465
  ATHENAHEALTH INC.                COM          04685W103         5      100 SH        DEFINED 2        100
  AUTOMATIC DATA PROCESSING        COM          053015103        31      568 SH        SOLE             568
  AUTOMATIC DATA PROCESSING        COM          053015103       221     4090 SH        DEFINED 2        4090
  AUTOMATIC DATA PROCESSING        COM          053015103       374     6930 SH        OTHER   2                 6930
  BP PLC                           COM          055622104        30      700 SH        DEFINED 2        700
  BP PLC                           COM          055622104        73     1700 SH        OTHER   2                 1700
  BAKER HUGHES INC                 COM          057224107         9      175 SH        DEFINED 2        175
  BAKER HUGHES INC                 COM          057224107        29      600 SH        OTHER   2                 600
  BANK OF AMERICA CORP             COM          060505104        12     2219 SH        DEFINED 2        2219
  BANK OF AMERICA CORP             COM          060505104        13     2389 SH        OTHER   2                 2389
  BANK OF NEW YORK MELLON CORP     COM          064058100         3      165 SH        SOLE             165
  BANK OF NEW YORK MELLON CORP     COM          064058100       284    14253 SH        DEFINED 2        14253
  BANK OF NEW YORK MELLON CORP     COM          064058100       108     5407 SH        OTHER   2                 5407
  BARRICK GOLD                     COM          067901108        17      379 SH        DEFINED 2        379
  BAXTER INTL INC                  COM          071813109         9      175 SH        SOLE             175
  BAXTER INTL INC                  COM          071813109       309     6250 SH        DEFINED 2        6250
  BAXTER INTL INC                  COM          071813109       248     5013 SH        OTHER   2                 5013
  BEAM, INC.                       COM          073730103        31      600 SH        DEFINED 2        600
  BED BATH AND BEYOND              COM          075896100         7      120 SH        DEFINED 2        120
  BED BATH AND BEYOND              COM          075896100       696    12000 SH        DEFINED 3        12000
  BERKSHIRE HATHAWAY INC           COM          084670702        40      525 SH        SOLE             525
  BERKSHIRE HATHAWAY INC           COM          084670702       929    12170 SH        DEFINED 2        12170
  BERKSHIRE HATHAWAY INC           COM          084670702       992    13000 SH        DEFINED 3        13000
  BERKSHIRE HATHAWAY INC           COM          084670702        64      840 SH        OTHER   2                 840
  BERKSHIRE HILLS BANCORP INC      COM          084680107        33     1500 SH        SOLE             1500
  BEST BUY CO                      COM          086516101         2       86 SH        DEFINED 2        86
  BHP BILLITON                     COM          088606108         7      100 SH        DEFINED 2        100
  BLACKROCK INC                    COM          09247X101        42      235 SH        DEFINED 2        235
  BLACKROCK INC                    COM          09247X101        36      200 SH        OTHER   2                 200
  BOEING COMPANY                   COM          097023105         4       55 SH        SOLE             55
  BOEING COMPANY                   COM          097023105       227     3090 SH        DEFINED 2        3090
  BOSTON SCIENTIFIC CORP           COM          101137107         1      265 SH        DEFINED 2        265
  BRISTOL MYERS SQUIBB             COM          110122108       101     2860 SH        SOLE             2860
  BRISTOL MYERS SQUIBB             COM          110122108      1267    35950 SH        DEFINED 2        35950
  BRISTOL MYERS SQUIBB             COM          110122108      1445    41000 SH        DEFINED 3        41000
  BRISTOL MYERS SQUIBB             COM          110122108         4      100 SH        OTHER                     100
  BRISTOL MYERS SQUIBB             COM          110122108       109     3090 SH        OTHER   2                 3090
  BROADCOM CORP                    COM          111320107        40     1375 SH        SOLE             1375
  BROADCOM CORP                    COM          111320107       268     9135 SH        DEFINED 2        9135
  BROADCOM CORP                    COM          111320107      1101    37500 SH        DEFINED 3        37500
  BROWN FOREMAN DISTILLERS CORP    COM          115637100        34      432 SH        DEFINED 2        432
  BROWN FOREMAN DISTILLERS CORP    COM          115637209        49      610 SH        DEFINED 2        610
  BUCKEYE PARTNERS L P             LIM          118230101        38      600 PRN       DEFINED 2        600
  CME GROUP INC.                   COM          12572Q105        18       75 SH        SOLE             75
  CME GROUP INC.                   COM          12572Q105       173      710 SH        DEFINED 2        710
  CVS/CAREMARK CORP                COM          126650100         6      140 SH        SOLE             140
  CVS/CAREMARK CORP                COM          126650100       230     5636 SH        DEFINED 2        5636
  CVS/CAREMARK CORP                COM          126650100         2       50 SH        OTHER   2                 50
  CA, INC.                         COM          12673P105         9      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         4      100 SH        DEFINED 2        100
  CAPSTONE TURBINE CORP            COM          14067D102         0      600 SH        DEFINED 2        600
  CARDINAL HEALTH INC              COM          14149Y108        22      550 SH        SOLE             550
  CARDINAL HEALTH INC              COM          14149Y108       424    10430 SH        DEFINED 2        10430
  CARDINAL HEALTH INC              COM          14149Y108       804    19800 SH        DEFINED 3        19800
  CARNIVAL                         COM          143658300        15      450 SH        SOLE             450
  CARNIVAL                         COM          143658300       241     7393 SH        DEFINED 2        7393
  CARNIVAL                         COM          143658300        27      834 SH        OTHER   2                 834
  CATERPILLAR INC                  COM          149123101        92     1010 SH        SOLE             1010
  CATERPILLAR INC                  COM          149123101      1109    12243 SH        DEFINED 2        12243
  CATERPILLAR INC                  COM          149123101       725     8000 SH        DEFINED 3        8000
  CATERPILLAR INC                  COM          149123101       109     1200 SH        OTHER   2                 1200
  CELGENE CORP                     COM          151020104         8      115 SH        SOLE             115
  CELGENE CORP                     COM          151020104       547     8095 SH        DEFINED 2        8095
  CELGENE CORP                     COM          151020104      1000    14800 SH        DEFINED 3        14800
  CELGENE CORP                     COM          151020104        44      650 SH        OTHER   2                 650
  CHEVRON CORPORATION              COM          166764100       295     2769 SH        SOLE             2769
  CHEVRON CORPORATION              COM          166764100      3189    29969 SH        DEFINED 2        29969
  CHEVRON CORPORATION              COM          166764100        31      290 SH        OTHER                     290
  CHEVRON CORPORATION              COM          166764100       878     8255 SH        OTHER   2                 8255
  CHEVRON CORPORATION              COM          166764100      1330    12500 SH        DEFINED 3        12500
  CHUBB CORP                       COM          171232101        17      250 SH        DEFINED 2        250
  CISCO SYSTEMS                    COM          17275R102       138     7660 SH        SOLE             7660
  CISCO SYSTEMS                    COM          17275R102         4      200 SH        OTHER                     200
  CISCO SYSTEMS                    COM          17275R102       271    14967 SH        OTHER   2                 14967
  CISCO SYSTEMS                    COM          17275R102      1091    60339 SH        DEFINED 2        60339
  CISCO SYSTEMS                    COM          17275R102       875    48400 SH        DEFINED 3        48400
  CLOROX CO                        COM          189054109        33      500 SH        DEFINED 2        500
  CLOROX CO                        COM          189054109         3       50 SH        OTHER   2                 50
  COCA COLA CO.                    COM          191216100       130     1865 SH        SOLE             1865
  COCA COLA CO.                    COM          191216100      1159    16558 SH        DEFINED 2        16558
  COCA COLA CO.                    COM          191216100      1469    21000 SH        DEFINED 3        21000
  COCA COLA CO.                    COM          191216100         5       75 SH        OTHER   2                 75
  COGNIZANT TECH SOLUTIONS         COM          192446102        48      750 SH        DEFINED 2        750
  COLGATE-PALMOLIVE CO             COM          194162103        69      745 SH        SOLE             745
  COLGATE-PALMOLIVE CO             COM          194162103        18      200 SH        OTHER                     200
  COLGATE-PALMOLIVE CO             COM          194162103       445     4815 SH        OTHER   2                 4815
  COLGATE-PALMOLIVE CO             COM          194162103      1227    13280 SH        DEFINED 2        13280
  COLGATE-PALMOLIVE CO             COM          194162103       739     8000 SH        DEFINED 3        8000
  COMCAST CORP NEW                 COM          20030N101        16      680 SH        SOLE             680
  COMCAST CORP NEW                 COM          20030N101       405    17099 SH        DEFINED 2        17099
  COMCAST CORP NEW                 COM          20030N101        11      475 SH        OTHER   2                 475
  COMCAST CORP NEW                 COM          20030N200         1       56 SH        DEFINED 2        56
  COMCAST CORP NEW                 COM          20030N101       711    30000 SH        DEFINED 3        30000
  CONNECTICUT WATER SERVICE INC    COM          207797101         5      200 SH        OTHER   2                 200
  CONOCOPHILLIPS                   COM          20825C104        80     1100 SH        SOLE             1100
  CONOCOPHILLIPS                   COM          20825C104      1219    16722 SH        DEFINED 2        16722
  CONOCOPHILLIPS                   COM          20825C104       911    12500 SH        DEFINED 3        12500
  CONOCOPHILLIPS                   COM          20825C104       130     1782 SH        OTHER   2                 1782
  CONSOLIDATED EDISON INC          COM          209115104        60      967 SH        DEFINED 2        967
  CORNING INC                      COM          219350105         2      120 SH        SOLE             120
  CORNING INC                      COM          219350105        16     1265 SH        DEFINED 2        1265
  CORNING INC                      COM          219350105        13     1000 SH        OTHER   2                 1000
  COSTCO WHOLESALE CORP NEW        COM          22160K105        75      895 SH        SOLE             895
  COSTCO WHOLESALE CORP NEW        COM          22160K105       784     9415 SH        DEFINED 2        9415
  COSTCO WHOLESALE CORP NEW        COM          22160K105       900    10800 SH        DEFINED 3        10800
  COSTCO WHOLESALE CORP NEW        COM          22160K105        71      850 SH        OTHER   2                 850
  DTE ENERGY CO.                   COM          233331107        11      199 SH        DEFINED 2        199
  DANAHER CORP                     COM          235851102        71     1500 SH        SOLE             1500
  DANAHER CORP                     COM          235851102        38      800 SH        OTHER                     800
  DANAHER CORP                     COM          235851102       261     5545 SH        OTHER   2                 5545
  DANAHER CORP                     COM          235851102       905    19245 SH        DEFINED 2        19245
  DANAHER CORP                     COM          235851102       847    18000 SH        DEFINED 3        18000
  DARDEN RESTAURANTS INC           COM          237194105        26      575 SH        SOLE             575
  DARDEN RESTAURANTS INC           COM          237194105       152     3330 SH        DEFINED 2        3330
  DARDEN RESTAURANTS INC           COM          237194105        23      500 SH        OTHER   2                 500
  DEERE & CO                       COM          244199105        43      550 SH        SOLE             550
  DEERE & CO                       COM          244199105       687     8880 SH        DEFINED 2        8880
  DEERE & CO                       COM          244199105      1006    13000 SH        DEFINED 3        13000
  DEERE & CO                       COM          244199105        23      300 SH        OTHER   2                 300
  DELCATH SYSTEMS INC.             COM          24661P104         0      150 SH        DEFINED 2        150
  DELL INC                         COM          24702R101         4      300 SH        DEFINED 2        300
  DENDREON CORP                    COM          24823Q107         0      100 SH        DEFINED 2        100
  DEVON ENERGY CORP NEW            COM          25179M103         2       35 SH        SOLE             35
  DEVON ENERGY CORP NEW            COM          25179M103       138     2230 SH        DEFINED 2        2230
  WALT DISNEY COMPANY              COM          254687106       127     3389 SH        SOLE             3389
  WALT DISNEY COMPANY              COM          254687106         8      200 SH        OTHER                     200
  WALT DISNEY COMPANY              COM          254687106       438    11675 SH        OTHER   2                 11675
  WALT DISNEY COMPANY              COM          254687106       818    21809 SH        DEFINED 2        21809
  WALT DISNEY COMPANY              COM          254687106       563    15000 SH        DEFINED 3        15000
  DOLLAR TREE INC.                 COM          256746108       328     3945 SH        DEFINED 2        3945
  DOMINION RES INC VA NEW          COM          25746U109        88     1665 SH        SOLE             1665
  DOMINION RES INC VA NEW          COM          25746U109        11      200 SH        OTHER                     200
  DOMINION RES INC VA NEW          COM          25746U109       169     3175 SH        OTHER   2                 3175
  DOMINION RES INC VA NEW          COM          25746U109      1309    24657 SH        DEFINED 2        24657
  DOMINION RES INC VA NEW          COM          25746U109      1189    22400 SH        DEFINED 3        22400
  DOW CHEMICAL CO                  COM          260543103       190     6600 SH        DEFINED 2        6600
  DOW CHEMICAL CO                  COM          260543103        12      400 SH        OTHER                     400
  EI DUPONT DE NEMOURS & CO        COM          263534109         2       45 SH        SOLE             45
  EI DUPONT DE NEMOURS & CO        COM          263534109       164     3575 SH        DEFINED 2        3575
  EI DUPONT DE NEMOURS & CO        COM          263534109       107     2340 SH        OTHER   2                 2340
  DUKE ENERGY HLDG CORP            COM          26441C105        17      780 SH        DEFINED 2        780
  DUNKIN BRANDS GROUP INC          COM          265504100         2      100 SH        SOLE             100
  EMC CORP                         COM          268648102        45     2075 SH        SOLE             2075
  EMC CORP                         COM          268648102       716    33240 SH        DEFINED 2        33240
  EMC CORP                         COM          268648102        22     1000 SH        OTHER   2                 1000
  EQT CORP                         COM          26884L109        23      426 SH        DEFINED 2        426
  SWISS GOLD SHARES                EXC          26922Y105        37      240 SH        DEFINED 2        240
  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       157     3600 SH        OTHER   2                 3600
  EATON VANCE                      COM          27828S101        51     4195 SH        DEFINED 2        4195
  EBAY INC                         COM          278642103         2       65 SH        SOLE             65
  EBAY INC                         COM          278642103        64     2105 SH        DEFINED 2        2105
  ECOLAB INC                       COM          278865100        42      730 SH        SOLE             730
  ECOLAB INC                       COM          278865100       337     5830 SH        DEFINED 2        5830
  ECOLAB INC                       COM          278865100       636    11000 SH        DEFINED 3        11000
  ECOLAB INC                       COM          278865100        98     1700 SH        OTHER   2                 1700
  EL PASO CORPORATION              COM          28336L109        96     3600 SH        DEFINED 2        3600
  EMC CORP                         COM          268648102      1247    57900 SH        DEFINED 3        57900
  EMERSON ELECTRIC CO              COM          291011104        54     1155 SH        SOLE             1155
  EMERSON ELECTRIC CO              COM          291011104         9      200 SH        OTHER                     200
  EMERSON ELECTRIC CO              COM          291011104       347     7450 SH        OTHER   2                 7450
  EMERSON ELECTRIC CO              COM          291011104       702    15063 SH        DEFINED 2        15063
  ENTERPRISE PRODS PARTNERS LP     LIM          293792107         7      150 PRN       DEFINED 2        150
  EXELON CORP                      COM          30161N101        31      720 SH        SOLE             720
  EXELON CORP                      COM          30161N101       237     5460 SH        DEFINED 2        5460
  EXELON CORP                      COM          30161N101       434    10000 SH        DEFINED 3        10000
  EXELON CORP                      COM          30161N101         4      100 SH        OTHER   2                 100
  EXXON MOBIL CORP                 COM          30231G102       415     4901 SH        SOLE             4901
  EXXON MOBIL CORP                 COM          30231G102        30      350 SH        OTHER                     350
  EXXON MOBIL CORP                 COM          30231G102      1958    23104 SH        OTHER   2                 23104
  EXXON MOBIL CORP                 COM          30231G102      4144    48896 SH        DEFINED 2        48896
  EXXON MOBIL CORP                 COM          30231G102      3119    36800 SH        DEFINED 3        36800
  FAIRPOINT COMMUNICATIONS INC.    COM          305560104         0        9 SH        DEFINED 2        9
  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        49      590 SH        DEFINED 2        590
  FIDELITY NATL FINANCIAL, INC.    COM          31620R105        72     4500 SH        DEFINED 2        4500
  FINANCIAL INSTITUTIONS INC       COM          317585404        48     3000 SH        SOLE             3000
  FIRST SOLAR, INC.                COM          336433107         1       18 SH        DEFINED 2        18
  FISERV INC                       COM          337738108        70     1185 SH        SOLE             1185
  FISERV INC                       COM          337738108       495     8435 SH        DEFINED 2        8435
  FISERV INC                       COM          337738108         6      100 SH        OTHER   2                 100
  FORD MOTOR CO                    COM          345370860        43     3995 SH        SOLE             3995
  FORD MOTOR CO                    COM          345370860       570    52946 SH        DEFINED 2        52946
  FORD MOTOR CO                    COM          345370860       861    80000 SH        DEFINED 3        80000
  FORD MOTOR CO                    COM          345370860        29     2700 SH        OTHER   2                 2700
  FORTUNE BRANDS                   COM          34964C106        10      600 SH        DEFINED 2        600
  FRANKLIN RESOURCES               COM          354613101        17      175 SH        DEFINED 2        175
  FREEPORT MCMORAN                 COM          35671D857         2       65 SH        SOLE             65
  FREEPORT MCMORAN                 COM          35671D857       264     7181 SH        DEFINED 2        7181
  FREEPORT MCMORAN                 COM          35671D857        62     1675 SH        OTHER   2                 1675
  FRONTIER COMMUNICATIONS CORP     COM          35906A108         0      169 SH        DEFINED 2        169
  GABELLI                          MUT          36242H104        21     1350 SH        DEFINED 2        1350
  GANNETT COMPANY INC              COM          364730101         1      100 SH        DEFINED 2        100
  GENERAL DYNAMICS                 COM          369550108         3       40 SH        SOLE             40
  GENERAL DYNAMICS                 COM          369550108       177     2665 SH        DEFINED 2        2665
  GENERAL DYNAMICS                 COM          369550108        35      525 SH        OTHER   2                 525
  GENERAL ELECTRIC CO              COM          369604103       146     8150 SH        SOLE             8150
  GENERAL ELECTRIC CO              COM          369604103      1959   109390 SH        DEFINED 2        109390
  GENERAL ELECTRIC CO              COM          369604103      1760    98250 SH        DEFINED 3        98250
  GENERAL ELECTRIC CO              COM          369604103       864    48250 SH        OTHER   2                 48250
  GENERAL MILLS INC                COM          370334104        60     1483 SH        SOLE             1483
  GENERAL MILLS INC                COM          370334104         8      200 SH        OTHER                     200
  GENERAL MILLS INC                COM          370334104       151     3725 SH        OTHER   2                 3725
  GENERAL MILLS INC                COM          370334104       754    18655 SH        DEFINED 2        18655
  GENUINE PARTS CO                 COM          372460105        31      505 SH        DEFINED 2        505
  GLAXO                            COM          37733W105         5      100 SH        OTHER   2                 100
  GOLDMAN SACHS GROUP              COM          38141G104         3       30 SH        SOLE             30
  GOLDMAN SACHS GROUP              COM          38141G104        96     1060 SH        DEFINED 2        1060
  GOLDMAN SACHS GROUP              COM          38141G104      1085    12000 SH        DEFINED 3        12000
  GOOGLE INC                       COM          38259P508        84      130 SH        SOLE             130
  GOOGLE INC                       COM          38259P508      1269     1964 SH        DEFINED 2        1964
  GOOGLE INC                       COM          38259P508      1615     2500 SH        DEFINED 3        2500
  GOOGLE INC                       COM          38259P508        48       75 SH        OTHER   2                 75
  GRAN TIERRA ENERGY, INC.         COM          38500T101         2      403 SH        DEFINED 2        403
  GREENBRIER COMPANIES             COM          393657101         5      200 SH        DEFINED 2        200
  HALLIBURTON CO                   COM          406216101        35     1005 SH        SOLE             1005
  HALLIBURTON CO                   COM          406216101       233     6760 SH        DEFINED 2        6760
  HALLIBURTON CO                   COM          406216101       690    20000 SH        DEFINED 3        20000
  HARLEY DAVIDSON INC              COM          412822108        50     1280 SH        OTHER   2                 1280
  HARSCO CORP                      COM          415864107         3      136 SH        DEFINED 2        136
  HARTFORD FINL SVCS GROUP INC.    COM          416515104         2      100 SH        DEFINED 2        100
  HATTERAS FINANCIAL CORP          COM          41902R103        19      725 SH        DEFINED 2        725
  H J HEINZ CO                     COM          423074103        55     1025 SH        SOLE             1025
  H J HEINZ CO                     COM          423074103       963    17815 SH        DEFINED 2        17815
  H J HEINZ CO                     COM          423074103       486     9000 SH        DEFINED 3        9000
  H J HEINZ CO                     COM          423074103       662    12250 SH        OTHER   2                 12250
  HESS CORP                        COM          42809H107        21      370 SH        DEFINED 2        370
  HESS CORP                        COM          42809H107       852    15000 SH        DEFINED 3        15000
  HEWLETT PACKARD CO               COM          428236103        35     1350 SH        SOLE             1350
  HEWLETT PACKARD CO               COM          428236103        10      400 SH        OTHER                     400
  HEWLETT PACKARD CO               COM          428236103       520    20184 SH        OTHER   2                 20184
  HEWLETT PACKARD CO               COM          428236103       597    23190 SH        DEFINED 2        23190
  HEXCEL CORP                      COM          428291108        19      775 SH        DEFINED 2        775
  HOME DEPOT, INC                  COM          437076102       101     2391 SH        SOLE             2391
  HOME DEPOT, INC                  COM          437076102       211     5025 SH        OTHER   2                 5025
  HOME DEPOT, INC                  COM          437076102         4      100 SH        OTHER                     100
  HOME DEPOT, INC                  COM          437076102       884    21033 SH        DEFINED 2        21033
  HOME DEPOT, INC                  COM          437076102       811    19300 SH        DEFINED 3        19300
  HONEYWELL INTL                   COM          438516106        46      855 SH        SOLE             855
  HONEYWELL INTL                   COM          438516106       609    11200 SH        DEFINED 2        11200
  HONEYWELL INTL                   COM          438516106      1467    27000 SH        DEFINED 3        27000
  HOSPIRA INC                      COM          441060100         8      260 SH        OTHER   2                 260
  ITT CORP                         COM          450911201         3      175 SH        DEFINED 2        175
  IDEARC INC.                      COM          451663108         0       25 SH        DEFINED 2        25
  ILLINOIS TOOL WORKS INC.         COM          452308109         6      135 SH        DEFINED 2        135
  ILLINOIS TOOL WORKS INC.         COM          452308109        47     1000 SH        OTHER   2                 1000
  IMATION CORPORATION              COM          45245A107         0      120 SH        OTHER   2                 120
  INTEL CORP                       COM          458140100       235     9691 SH        SOLE             9691
  INTEL CORP                       COM          458140100         7      300 SH        OTHER                     300
  INTEL CORP                       COM          458140100       412    16975 SH        OTHER   2                 16975
  INTEL CORP                       COM          458140100      2062    85040 SH        DEFINED 2        85040
  INTEL CORP                       COM          458140100      1588    65500 SH        DEFINED 3        65500
  INTERCONTINENTAL EXCHANGE        COM          45865V100        18      150 SH        SOLE             150
  INTERCONTINENTAL EXCHANGE        COM          45865V100       147     1220 SH        DEFINED 2        1220
  INTERCONTINENTAL EXCHANGE        COM          45865V100       723     6000 SH        DEFINED 3        6000
  INTL BUSINESS MACHINES           COM          459200101       218     1188 SH        SOLE             1188
  INTL BUSINESS MACHINES           COM          459200101        18      100 SH        OTHER                     100
  INTL BUSINESS MACHINES           COM          459200101      2336    12705 SH        OTHER   2                 12705
  INTL BUSINESS MACHINES           COM          459200101      4500    24472 SH        DEFINED 2        24472
  INTL BUSINESS MACHINES           COM          459200101      1839    10000 SH        DEFINED 3        10000
  INTERNATIONAL PAPER CO           COM          460146103        51     1720 SH        SOLE             1720
  INTERNATIONAL PAPER CO           COM          460146103       498    16825 SH        DEFINED 2        16825
  INTERNATIONAL PAPER CO           COM          460146103       755    25500 SH        DEFINED 3        25500
  INTERNATIONAL PAPER CO           COM          460146103        18      600 SH        OTHER   2                 600
  ISHARES                          EXC          464285105         2      100 SH        DEFINED 2        100
  ISHARES                          EXC          464287176         7       56 SH        DEFINED 2        56
  ISHARES                          EXC          464287234        36      954 SH        DEFINED 2        954
  ISHARES                          EXC          464287507        23      268 SH        DEFINED 2        268
  ISHARES                          EXC          464287804        22      325 SH        DEFINED 2        325
  ISHARES                          EXC          464288687       102     2850 SH        SOLE             2850
  ISHARES                          EXC          464288687      1025    28780 SH        DEFINED 2        28780
  ISHARES                          EXC          464288687       149     4178 SH        OTHER   2                 4178
  ISHARES                          EXC          464288695         6      100 SH        DEFINED 2        100
  ISHARES                          EXC          46428Q109        56     2084 SH        DEFINED 2        2084
  JPMORGAN CHASE & CO              COM          46625H100       128     3840 SH        SOLE             3840
  JPMORGAN CHASE & CO              COM          46625H100      1331    40022 SH        DEFINED 2        40022
  JPMORGAN CHASE & CO              COM          46625H100      1729    52000 SH        DEFINED 3        52000
  JPMORGAN CHASE & CO              COM          46625H100       284     8546 SH        OTHER   2                 8546
  JACOBS ENGINEERING GROUP INC.    COM          469814107       108     2661 SH        OTHER   2                 2661
  JOHNSON & JOHNSON                COM          478160104       240     3658 SH        SOLE             3658
  JOHNSON & JOHNSON                COM          478160104        10      150 SH        OTHER                     150
  JOHNSON & JOHNSON                COM          478160104      1552    23665 SH        OTHER   2                 23665
  JOHNSON & JOHNSON                COM          478160104      2615    39873 SH        DEFINED 2        39873
  JOHNSON & JOHNSON                COM          478160104      1528    23300 SH        DEFINED 3        23300
  JOHNSON CONTROLS INC             COM          478366107        20      630 SH        SOLE             630
  JOHNSON CONTROLS INC             COM          478366107       260     8315 SH        DEFINED 2        8315
  JOHNSON CONTROLS INC             COM          478366107       469    15000 SH        DEFINED 3        15000
  JOHNSON CONTROLS INC             COM          478366107         3      100 SH        OTHER   2                 100
  KADANT, INC.                     COM          48282T104        18      809 SH        DEFINED 2        809
  KAYDON CORP                      COM          486587108        31     1000 SH        DEFINED 2        1000
  KELLOGG CO.                      COM          487836108         4       75 SH        SOLE             75
  KELLOGG CO.                      COM          487836108        78     1540 SH        DEFINED 2        1540
  KELLOGG CO.                      COM          487836108       197     3900 SH        OTHER   2                 3900
  KIMBERLY-CLARK CORP              COM          494368103         3       44 SH        DEFINED 2        44
  KOHL'S CORP (WISCONSIN)          COM          500255104        44      900 SH        DEFINED 2        900
  KRAFT FOODS INC                  COM          50075N104        64     1720 SH        SOLE             1720
  KRAFT FOODS INC                  COM          50075N104       830    22211 SH        DEFINED 2        22211
  KRAFT FOODS INC                  COM          50075N104      1121    30000 SH        DEFINED 3        30000
  KRAFT FOODS INC                  COM          50075N104        20      526 SH        OTHER   2                 526
  LSI CORPORATION                  COM          502161102         0       10 SH        DEFINED 2        10
  L3 COMMUNICATIONS HLD INC        COM          502424104         6       90 SH        DEFINED 2        90
  L3 COMMUNICATIONS HLD INC        COM          502424104         7      100 SH        OTHER   2                 100
  ELI LILLY & CO                   COM          532457108         3       70 SH        SOLE             70
  ELI LILLY & CO                   COM          532457108       248     5965 SH        DEFINED 2        5965
  ELI LILLY & CO                   COM          532457108        79     1900 SH        OTHER   2                 1900
  LIMITED BRANDS INC.              COM          532716107        18      450 SH        SOLE             450
  LIMITED BRANDS INC.              COM          532716107       285     7070 SH        DEFINED 2        7070
  LIMITED BRANDS INC.              COM          532716107       625    15500 SH        DEFINED 3        15500
  LOCKHEED MARTIN CORP             COM          539830109        40      500 SH        SOLE             500
  LOCKHEED MARTIN CORP             COM          539830109       684     8459 SH        DEFINED 2        8459
  LOWES COMPANIES                  COM          548661107       116     4573 SH        DEFINED 2        4573
  LOWES COMPANIES                  COM          548661107       147     5800 SH        OTHER   2                 5800
  MARATHON OIL CORP                COM          565849106         6      200 SH        SOLE             200
  MARATHON OIL CORP                COM          565849106       210     7180 SH        DEFINED 2        7180
  MARATHON OIL CORP                COM          565849106         3      115 SH        OTHER   2                 115
  MARRIOTT VACATIONS               COM          57164Y107         2      101 SH        DEFINED 2        101
  MARRIOTT INTERNATIONAL INC       COM          571903202        29     1009 SH        DEFINED 2        1009
  MCCORMICK & CO                   COM          579780206        40      800 SH        DEFINED 2        800
  MCCORMICK & CO                   COM          579780206         4       75 SH        OTHER   2                 75
  MCDONALDS CORP                   COM          580135101       135     1349 SH        SOLE             1349
  MCDONALDS CORP                   COM          580135101        10      100 SH        OTHER                     100
  MCDONALDS CORP                   COM          580135101       618     6155 SH        OTHER   2                 6155
  MCDONALDS CORP                   COM          580135101      2006    19992 SH        DEFINED 2        19992
  MCDONALDS CORP                   COM          580135101       953     9500 SH        DEFINED 3        9500
  MCGRAW-HILL INC                  COM          580645109        31      700 SH        SOLE             700
  MECHANICAL TECHNOLOGY            COM          583538202         0      112 SH        DEFINED 2        112
  MEDCO HEALTH SOLUTIONS           COM          58405U102        22      400 SH        DEFINED 2        400
  MEDCO HEALTH SOLUTIONS           COM          58405U102        35      625 SH        OTHER   2                 625
  MEDTRONIC, INC                   COM          585055106        63     1655 SH        SOLE             1655
  MEDTRONIC, INC                   COM          585055106       585    15305 SH        DEFINED 2        15305
  MEDTRONIC, INC                   COM          585055106       807    21100 SH        DEFINED 3        21100
  MEDTRONIC, INC                   COM          585055106       110     2875 SH        OTHER   2                 2875
  MERCK & CO. INC.                 COM          58933Y105       114     3022 SH        SOLE             3022
  MERCK & CO. INC.                 COM          58933Y105       938    24882 SH        DEFINED 2        24882
  MERCK & CO. INC.                 COM          58933Y105      1052    27900 SH        DEFINED 3        27900
  MERCK & CO. INC.                 COM          58933Y105       250     6625 SH        OTHER   2                 6625
  METLIFE                          COM          59156R108        34     1100 SH        SOLE             1100
  METLIFE                          COM          59156R108       495    15865 SH        DEFINED 2        15865
  METLIFE                          COM          59156R108        22      700 SH        OTHER   2                 700
  MICROSOFT CORP.                  COM          594918104       208     8010 SH        SOLE             8010
  MICROSOFT CORP.                  COM          594918104        10      400 SH        OTHER                     400
  MICROSOFT CORP.                  COM          594918104       678    26123 SH        OTHER   2                 26123
  MICROSOFT CORP.                  COM          594918104      2121    81685 SH        DEFINED 2        81685
  MICROSOFT CORP.                  COM          594918104       540    20800 SH        DEFINED 3        20800
  MOHAWK INDUSTRIES INC            COM          608190104        13      225 SH        DEFINED 2        225
  MONSANTO CO NEW                  COM          61166W101         2       25 SH        SOLE             25
  MONSANTO CO NEW                  COM          61166W101       101     1440 SH        DEFINED 2        1440
  MONSANTO CO NEW                  COM          61166W101        21      300 SH        OTHER   2                 300
  MORGAN STANLEY                   COM          617446448         3      200 SH        SOLE             200
  MORGAN STANLEY                   COM          617446448       151     9995 SH        DEFINED 2        9995
  MOSAIC CO                        COM          61945C103         5      100 SH        DEFINED 2        100
  MYLAN LABORATORIES               COM          628530107        28     1300 SH        SOLE             1300
  MYLAN LABORATORIES               COM          628530107       248    11540 SH        DEFINED 2        11540
  MYLAN LABORATORIES               COM          628530107       644    30000 SH        DEFINED 3        30000
  NBT BANCORP INC                  COM          628778102        44     2000 SH        SOLE             2000
  NATIONAL OIL WELL VARCO INC      COM          637071101       134     1975 SH        DEFINED 2        1975
  NATIONAL OIL WELL VARCO INC      COM          637071101        78     1150 SH        OTHER   2                 1150
  NEWMONT MINING CORP              COM          651639106         2       35 SH        SOLE             35
  NEWMONT MINING CORP              COM          651639106        75     1255 SH        DEFINED 2        1255
  NEWS CORP                        COM          65248E104         2      120 SH        SOLE             120
  NEWS CORP                        COM          65248E104        60     3390 SH        DEFINED 2        3390
  NFJ                              COM          65337H109        18     1128 SH        DEFINED 2        1128
  NEXTERA ENERGY INC               COM          65339F101         9      150 SH        DEFINED 2        150
  NIKE INC                         COM          654106103         6       60 SH        SOLE             60
  NIKE INC                         COM          654106103       257     2670 SH        DEFINED 2        2670
  NIKE INC                         COM          654106103        39      400 SH        OTHER   2                 400
  NOBLE ENERGY                     COM          655044105         5       49 SH        DEFINED 2        49
  NORDSTROM INC                    COM          655664100        30      600 SH        SOLE             600
  NORDSTROM INC                    COM          655664100       274     5510 SH        DEFINED 2        5510
  NORDSTROM INC                    COM          655664100       795    16000 SH        DEFINED 3        16000
  NORDSTROM INC                    COM          655664100        10      200 SH        OTHER   2                 200
  NORFOLK SOUTHERN CORP            COM          655844108        37      510 SH        SOLE             510
  NORFOLK SOUTHERN CORP            COM          655844108       685     9405 SH        DEFINED 2        9405
  NORFOLK SOUTHERN CORP            COM          655844108       583     8000 SH        DEFINED 3        8000
  NORFOLK SOUTHERN CORP            COM          655844108       123     1685 SH        OTHER   2                 1685
  NORTHERN TRUST CORP              COM          665859104         5      125 SH        DEFINED 2        125
  NOVARTIS A G                     COM          66987V109         9      150 SH        OTHER   2                 150
  NUCOR CORP                       COM          670346105        50     1275 SH        SOLE             1275
  NUCOR CORP                       COM          670346105       515    13010 SH        DEFINED 2        13010
  NUCOR CORP                       COM          670346105       815    20600 SH        DEFINED 3        20600
  NUCOR CORP                       COM          670346105        10      250 SH        OTHER   2                 250
  NUVEEN                           EXC          67066V101        17     1167 SH        DEFINED 2        1167
  NUVEEN                           EXC          67070A101         5      360 SH        DEFINED 2        360
  OCCIDENTAL PETROLEUM CORP        COM          674599105        64      685 SH        SOLE             685
  OCCIDENTAL PETROLEUM CORP        COM          674599105      1311    13988 SH        DEFINED 2        13988
  OCCIDENTAL PETROLEUM CORP        COM          674599105       843     9000 SH        DEFINED 3        9000
  OCCIDENTAL PETROLEUM CORP        COM          674599105        12      125 SH        OTHER   2                 125
  OLIN CORP                        COM          680665205         6      300 SH        OTHER   2                 300
  ORACLE CORP                      COM          68389X105       102     3970 SH        SOLE             3970
  ORACLE CORP                      COM          68389X105         5      200 SH        OTHER                     200
  ORACLE CORP                      COM          68389X105       181     7050 SH        OTHER   2                 7050
  ORACLE CORP                      COM          68389X105      1395    54404 SH        DEFINED 2        54404
  ORACLE CORP                      COM          68389X105       898    35000 SH        DEFINED 3        35000
  PACKAGING CORP OF AMERICA        COM          695156109        11      430 SH        DEFINED 2        430
  PACKAGING CORP OF AMERICA        COM          695156109        58     2300 SH        OTHER   2                 2300
  PALL CORP                        COM          696429307         6      100 SH        DEFINED 2        100
  PARKER-HANNIFIN                  COM          701094104        15      200 SH        DEFINED 2        200
  PARKER-HANNIFIN                  COM          701094104        95     1250 SH        OTHER   2                 1250
  PAYCHEX INC                      COM          704326107        30     1000 SH        DEFINED 2        1000
  PEPSICO INC                      COM          713448108       171     2578 SH        SOLE             2578
  PEPSICO INC                      COM          713448108        13      200 SH        OTHER                     200
  PEPSICO INC                      COM          713448108      1498    22577 SH        OTHER   2                 22577
  PEPSICO INC                      COM          713448108      2116    31896 SH        DEFINED 2        31896
  PEPSICO INC                      COM          713448108      1141    17200 SH        DEFINED 3        17200
  PFIZER INC                       COM          717081103         8      360 SH        SOLE             360
  PFIZER INC                       COM          717081103       783    36184 SH        DEFINED 2        36184
  PFIZER INC                       COM          717081103       541    25000 SH        DEFINED 3        25000
  PFIZER INC                       COM          717081103       353    16326 SH        OTHER   2                 16326
  PHILIP MORRIS INTERNATIONAL INC  COM          718172109       824    10499 SH        DEFINED 2        10499
  PHILIP MORRIS INTERNATIONAL INC  COM          718172109        26      325 SH        OTHER   2                 325
  PIONEER NATURAL RESOURCES CO     COM          723787107        11      126 SH        DEFINED 2        126
  PLAINS EXPLORATION               COM          726505100         9      237 SH        DEFINED 2        237
  POWERSHARES                      EXC          73935X500        20     3950 SH        DEFINED 2        3950
  POWERSHARES                      EXC          73935X575         4      250 SH        DEFINED 2        250
  PRAXAIR, INC.                    COM          74005P104        60      565 SH        SOLE             565
  PRAXAIR, INC.                    COM          74005P104      1003     9382 SH        DEFINED 2        9382
  PRAXAIR, INC.                    COM          74005P104       834     7800 SH        DEFINED 3        7800
  PRAXAIR, INC.                    COM          74005P104       126     1180 SH        OTHER   2                 1180
  T ROWE PRICE                     COM          74144T108       103     1808 SH        SOLE             1808
  T ROWE PRICE                     COM          74144T108        14      250 SH        OTHER                     250
  T ROWE PRICE                     COM          74144T108       364     6400 SH        OTHER   2                 6400
  T ROWE PRICE                     COM          74144T108      1217    21369 SH        DEFINED 2        21369
  T ROWE PRICE                     COM          74144T108       954    16750 SH        DEFINED 3        16750
  PROCTER & GAMBLE CO              COM          742718109       205     3078 SH        SOLE             3078
  PROCTER & GAMBLE CO              COM          742718109      1936    29027 SH        DEFINED 2        29027
  PROCTER & GAMBLE CO              COM          742718109      2035    30500 SH        DEFINED 3        30500
  PROCTER & GAMBLE CO              COM          742718109        13      200 SH        OTHER                     200
  PROCTER & GAMBLE CO              COM          742718109       979    14670 SH        OTHER   2                 14670
  PROGRESS ENERGY INC              COM          743263105        79     1410 SH        DEFINED 2        1410
  PROGRESS ENERGY INC              COM          743263105       132     2350 SH        OTHER   2                 2350
  PROSHARES                        EXC          74347R297         2      100 SH        DEFINED 2        100
  PRUDENTIAL FINANCIAL             COM          744320102        12      245 SH        SOLE             245
  PRUDENTIAL FINANCIAL             COM          744320102       493     9827 SH        DEFINED 2        9827
  PRUDENTIAL FINANCIAL             COM          744320102       451     9000 SH        DEFINED 3        9000
  PUBLIC SERVICE ENTERPRISE GRP.   COM          744573106        13      400 SH        DEFINED 2        400
  QUALCOMM INC                     COM          747525103        78     1425 SH        SOLE             1425
  QUALCOMM INC                     COM          747525103       789    14415 SH        DEFINED 2        14415
  QUALCOMM INC                     COM          747525103         7      125 SH        OTHER   2                 125
  QUALCOMM INC                     COM          747525103      1931    35300 SH        DEFINED 3        35300
  QUEST DIAGNOSTICS INC            COM          74834L100        75     1300 SH        OTHER   2                 1300
  REPSOL YPF SA                    COM          76026T205         3      100 SH        OTHER   2                 100
  ROYAL DUTCH SHELL PLC            COM          780259206        53      722 SH        SOLE             722
  ROYAL DUTCH SHELL PLC            COM          780259206        51      691 SH        DEFINED 2        691
  ROYAL DUTCH SHELL PLC            COM          780259206        15      200 SH        OTHER   2                 200
  SPDR GOLD TRUST ETF              EXC          78463V107       254     1668 SH        DEFINED 2        1668
  SPDR                             EXC          78463X798        35     1587 SH        DEFINED 2        1587
  SPDR                             EXC          78464A730        22      415 SH        DEFINED 2        415
  SCHLUMBERGER LTD                 COM          806857108       117     1710 SH        SOLE             1710
  SCHLUMBERGER LTD                 COM          806857108       757    11075 SH        DEFINED 2        11075
  SCHLUMBERGER LTD                 COM          806857108        41      605 SH        OTHER   2                 605
  SCHLUMBERGER LTD                 COM          806857108       956    14000 SH        DEFINED 3        14000
  SECTOR SPDR TR FUND              EXC          81369Y100         3      100 SH        SOLE             100
  SECTOR SPDR TR FUND              EXC          81369Y100        92     2750 SH        DEFINED 2        2750
  SECTOR SPDR TR FUND              EXC          81369Y209        45     1300 SH        DEFINED 2        1300
  SECTOR SPDR TR FUND              EXC          81369Y209        52     1500 SH        OTHER   2                 1500
  SECTOR SPDR TR FUND              EXC          81369Y308        16      500 SH        DEFINED 2        500
  SECTOR SPDR TR FUND              EXC          81369Y407        53     1360 SH        DEFINED 2        1360
  SECTOR SPDR TR FUND              EXC          81369Y506        92     1328 SH        DEFINED 2        1328
  SECTOR SPDR TR FUND              EXC          81369Y506        50      725 SH        OTHER   2                 725
  SECTOR SPDR TR FUND              EXC          81369Y605        38     2890 SH        DEFINED 2        2890
  SECTOR SPDR TR FUND              EXC          81369Y605        52     4012 SH        OTHER   2                 4012
  SECTOR SPDR TR FUND              EXC          81369Y704        25      750 SH        OTHER   2                 750
  SECTOR SPDR TR FUND              EXC          81369Y803        83     3255 SH        DEFINED 2        3255
  SECTOR SPDR TR FUND              EXC          81369Y886         3       75 SH        SOLE             75
  SECTOR SPDR TR FUND              EXC          81369Y886        87     2430 SH        DEFINED 2        2430
  SECTOR SPDR TR FUND              EXC          81369Y886        48     1332 SH        OTHER   2                 1332
  SIEMENS INC                      COM          826197501        11      110 SH        DEFINED 2        110
  SIMON PPY GROUP INC NEW          COM          828806109         4       30 SH        SOLE             30
  SIMON PPY GROUP INC NEW          COM          828806109       277     2145 SH        DEFINED 2        2145
  SIMON PPY GROUP INC NEW          COM          828806109        35      275 SH        OTHER   2                 275
  SMUCKER (J.M.)                   COM          832696405         4       50 SH        OTHER   2                 50
  SOUTHERN CO                      COM          842587107        72     1565 SH        SOLE             1565
  SOUTHERN CO                      COM          842587107       997    21534 SH        DEFINED 2        21534
  SOUTHERN CO                      COM          842587107         9      200 SH        OTHER                     200
  SOUTHERN CO                      COM          842587107        78     1675 SH        OTHER   2                 1675
  SOUTHERN CO                      COM          842587107      1204    26000 SH        DEFINED 3        26000
  STAPLES INCORPORATED             COM          855030102         1       75 SH        DEFINED 2        75
  STAPLES INCORPORATED             COM          855030102        28     2000 SH        OTHER   2                 2000
  STARBUCKS CORP                   COM          855244109         9      200 SH        DEFINED 2        200
  STARBUCKS CORP                   COM          855244109       345     7500 SH        DEFINED 3        7500
  STATE STREET CORP COM            COM          857477103        23      560 SH        DEFINED 2        560
  STRYKER CORP                     COM          863667101        26      525 SH        DEFINED 2        525
  STRYKER CORP                     COM          863667101        30      600 SH        OTHER   2                 600
  SUFFOLK BANCORP                  COM          864739107        32     3000 SH        SOLE             3000
  TJX COMPANIES                    COM          872540109        66     1015 SH        SOLE             1015
  TJX COMPANIES                    COM          872540109       904    14004 SH        DEFINED 2        14004
  TJX COMPANIES                    COM          872540109         6      100 SH        OTHER                     100
  TJX COMPANIES                    COM          872540109        84     1300 SH        OTHER   2                 1300
  TJX COMPANIES                    COM          872540109       742    11500 SH        DEFINED 3        11500
  TARGET CORP                      COM          87612E106        26      500 SH        SOLE             500
  TARGET CORP                      COM          87612E106       685    13379 SH        DEFINED 2        13379
  TARGET CORP                      COM          87612E106        10      200 SH        OTHER                     200
  TARGET CORP                      COM          87612E106       178     3467 SH        OTHER   2                 3467
  TEMPLE INLAND INC                COM          879868107        23      720 SH        DEFINED 2        720
  TEVA PHARM INDUS ADR             COM          881624209         8      200 SH        SOLE             200
  TEVA PHARM INDUS ADR             COM          881624209        32      800 SH        DEFINED 2        800
  TEVA PHARM INDUS ADR             COM          881624209        73     1800 SH        OTHER   2                 1800
  TEXAS INSTRUMENTS INC            COM          882508104         2       70 SH        SOLE             70
  TEXAS INSTRUMENTS INC            COM          882508104        59     2010 SH        DEFINED 2        2010
  3M COMPANY                       COM          88579Y101        77      940 SH        SOLE             940
  3M COMPANY                       COM          88579Y101       828    10125 SH        DEFINED 2        10125
  3M COMPANY                       COM          88579Y101       509     6230 SH        OTHER   2                 6230
  3M COMPANY                       COM          88579Y101       817    10000 SH        DEFINED 3        10000
  TIDEWATER, INC.                  COM          886423102         2       50 SH        SOLE             50
  TIDEWATER, INC.                  COM          886423102        89     1800 SH        DEFINED 2        1800
  TIDEWATER, INC.                  COM          886423102        22      450 SH        OTHER   2                 450
  TIDEWATER, INC.                  COM          886423102       247     5000 SH        DEFINED 3        5000
  TIFFANY                          COM          886547108        23      350 SH        DEFINED 2        350
  TIME WARNER INC NEW              COM          887317303        54     1500 SH        SOLE             1500
  TIME WARNER INC NEW              COM          887317303       754    20860 SH        DEFINED 2        20860
  TIME WARNER INC NEW              COM          887317303        25      690 SH        OTHER   2                 690
  TIME WARNER INC NEW              COM          887317303       361    10000 SH        DEFINED 3        10000
  TIME WARNER                      COM          88732J207         6      100 SH        SOLE             100
  TIME WARNER                      COM          88732J207         6      100 SH        DEFINED 2        100
  TOMPKINS FINANCIAL CORP          COM          890110109        42     1100 SH        SOLE             1100
  TORONTO-DOMINION BANK            COM          891160509       755    10095 SH        DEFINED 2        10095
  TORONTO-DOMINION BANK            COM          891160509        90     1209 SH        OTHER   2                 1209
  TRAVELERS COS INC                COM          89417E109        22      365 SH        SOLE             365
  TRAVELERS COS INC                COM          89417E109       396     6699 SH        DEFINED 2        6699
  TRAVELERS COS INC                COM          89417E109        22      375 SH        OTHER   2                 375
  TRAVELERS COS INC                COM          89417E109       651    11000 SH        DEFINED 3        11000
  TRUSTCO BANK CORP                COM          898349105        42     7500 SH        SOLE             7500
  U.S. BANCORP                     COM          902973304       108     3980 SH        SOLE             3980
  U.S. BANCORP                     COM          902973304      1361    50310 SH        DEFINED 2        50310
  U.S. BANCORP                     COM          902973304      1144    42300 SH        DEFINED 3        42300
  U.S. BANCORP                     COM          902973304         3      100 SH        OTHER                     100
  U.S. BANCORP                     COM          902973304       128     4725 SH        OTHER   2                 4725
  UNDER ARMOUR INC                 COM          904311107       503     7000 SH        DEFINED 3        7000
  UNION PACIFIC CORP               COM          907818108         3       30 SH        SOLE             30
  UNION PACIFIC CORP               COM          907818108       181     1705 SH        DEFINED 2        1705
  UNITED PARCEL SERVICE            COM          911312106        49      665 SH        SOLE             665
  UNITED PARCEL SERVICE            COM          911312106       670     9152 SH        DEFINED 2        9152
  UNITED PARCEL SERVICE            COM          911312106        81     1100 SH        OTHER   2                 1100
  UNITED PARCEL SERVICE            COM          911312106       878    12000 SH        DEFINED 3        12000
  UNITED TECHNOLOGIES CORP         COM          913017109        84     1150 SH        SOLE             1150
  UNITED TECHNOLOGIES CORP         COM          913017109      1458    19952 SH        DEFINED 2        19952
  UNITED TECHNOLOGIES CORP         COM          913017109       793    10845 SH        OTHER   2                 10845
  UNITED TECHNOLOGIES CORP         COM          913017109      1096    15000 SH        DEFINED 3        15000
  UNITED                           COM          91307C102         5      100 SH        DEFINED 2        100
  UNITEDHEALTH GROUP INC           COM          91324P102         3       65 SH        SOLE             65
  UNITEDHEALTH GROUP INC           COM          91324P102        96     1890 SH        DEFINED 2        1890
  UNITEDHEALTH GROUP INC           COM          91324P102         4       75 SH        OTHER   2                 75
  VANGUARD                         EXC          922908769        43      674 SH        DEFINED 2        674
  VERIZON COMMUNICATIONS INC       COM          92343V104       124     3085 SH        SOLE             3085
  VERIZON COMMUNICATIONS INC       COM          92343V104      1504    37494 SH        DEFINED 2        37494
  VERIZON COMMUNICATIONS INC       COM          92343V104       398     9928 SH        OTHER   2                 9928
  VERIZON COMMUNICATIONS INC       COM          92343V104      1525    38000 SH        DEFINED 3        38000
  VIACOM INC NEW                   COM          92553P201         7      156 SH        DEFINED 2        156
  VIACOM INC NEW                   COM          92553P201        99     2170 SH        OTHER   2                 2170
  VISA INC.                        COM          92826C839        48      475 SH        SOLE             475
  VISA INC.                        COM          92826C839       471     4640 SH        DEFINED 2        4640
  VISA INC.                        COM          92826C839      1015    10000 SH        DEFINED 3        10000
  VODAFONE GROUP PLC NEW           COM          92857W209        14      500 SH        SOLE             500
  WALMART STORES INC               COM          931142103       122     2045 SH        SOLE             2045
  WALMART STORES INC               COM          931142103      1102    18433 SH        DEFINED 2        18433
  WALMART STORES INC               COM          931142103       106     1775 SH        OTHER   2                 1775
  WALMART STORES INC               COM          931142103      1100    18400 SH        DEFINED 3        18400
  WALGREEN CO                      COM          931422109         4      125 SH        SOLE             125
  WALGREEN CO                      COM          931422109       140     4220 SH        DEFINED 2        4220
  WALGREEN CO                      COM          931422109       463    14000 SH        DEFINED 3        14000
  WASHINGTON FED INC               COM          938824109        11      800 SH        DEFINED 2        800
  WASTE MANAGEMENT INC             COM          94106L109         7      200 SH        DEFINED 2        200
  WATSON PHARMACEUTICALS INC.      COM          942683103        24      400 SH        SOLE             400
  WATSON PHARMACEUTICALS INC.      COM          942683103       345     5725 SH        DEFINED 2        5725
  WATSON PHARMACEUTICALS INC.      COM          942683103        18      300 SH        OTHER   2                 300
  WATSON PHARMACEUTICALS INC.      COM          942683103       845    14000 SH        DEFINED 3        14000
  WELLS FARGO CO                   COM          949746101        93     3380 SH        SOLE             3380
  WELLS FARGO CO                   COM          949746101       918    33317 SH        DEFINED 2        33317
  WELLS FARGO CO                   COM          949746101        17      600 SH        OTHER                     600
  WELLS FARGO CO                   COM          949746101       189     6859 SH        OTHER   2                 6859
  WELLS FARGO CO                   COM          949746101      1378    50000 SH        DEFINED 3        50000
  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         5      300 SH        OTHER                      300
  YUM BRANDS INC                   COM          988498101         2       40 SH        SOLE             40
  YUM BRANDS INC                   COM          988498101       448     7587 SH        DEFINED 2        7587
  ZIMMER                           COM          98956P102        19      350 SH        SOLE             350
  ZIMMER                           COM          98956P102       338     6330 SH        DEFINED 2        6330
  ZIMMER                           COM          98956P102        73     1375 SH        OTHER   2                 1375
  ACCENTURE PLC                    COM          G1151C101         5      100 SH        SOLE             100
  ACCENTURE PLC                    COM          G1151C101       314     5905 SH        DEFINED 2        5905
  ACCENTURE PLC                    COM          G1151C101       798    15000 SH        DEFINED 3        15000
  ACCENTURE PLC                    COM          G1151C101        75     1400 SH        OTHER   2                 1400
  COVIDIEN PLC                     COM          G2554F113        10      230 SH        SOLE             230
  COVIDIEN PLC                     COM          G2554F113       233     5180 SH        DEFINED 2        5180
  INGERSOLL-RAND PLC               COM          G47791101         2       71 SH        DEFINED 2        71
  NOBLE                            COM          H5833N103        33     1100 SH        DEFINED 2        1100
  NOBLE                            COM          H5833N103        45     1500 SH        OTHER   2                 1500
  TRANSOCEAN LTD                   COM          H8817H100        11      282 SH        DEFINED 2        282
  TRANSOCEAN LTD                   COM          H8817H100        24      618 SH        OTHER   2                 618