UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
Form 13F
Form 13F COVER PAGE
Report for the Calendar Year or Quarter Ended: December 31, 2012
Check here if Amendment [ ]; Amendment Number: ___
This Amendment (Check only one.): [ ] is a restatement.
[ ] adds new holdings entries.
Institutional Investment Manager Filing this Report:
Name: COMMUNITY BANK N.A.
Address: 5790 Widewaters Parkway
DeWitt, NY 13214-1883
Form 13F File Number: 028-11044
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: Patricia Lowe
Title: Trust Operations AVP
Oneonta Branch
Phone: 607 433 4129
Signature, Place, and Date of Signing:
Patricia A Lowe Oneonta, NY
[Signature] [City, State] [Date]
Report Type (Check only one.):
[X] 13F HOLDINGS REPORT. (Check here if all holdings of this reporting manager
are reported in this report.
[ ] 13F NOTICE. (Check here if no holdings reported are in this report, and all
holdings are reported by other reporting manager(s).)
[ ] 13F COMBINATION REPORT. (Check here if a portion of the holdings for this
reporting manager are reported in this report and a portion are reported by
other reporting manager(s).)
List of Other Managers Reporting for this Manager: [If there are no entries in
this list, omit this section.]
Form 13F File Number Name
___________________________________- [Repeat as necessary.]
Form 13F SUMMARY PAGE
Report Summary:
Number of Other Included Managers: 0
Form 13F Information Table Entry Total:
Form 13F Information Table Value Total: 379,277
List of other Included Managers:
Provide a numbered list of the name(s) and Form 13F file number(s) of all
institutional investment managers with respect to which this report is filed,
other than the manager filing this report.
[If there are no entries in this list, state [NONE] and omit the column headings
and list entries.]
No. Form 13F File Number Name
[Repeat as necessary.]
As Of Date : 12/31/2012
FORM 13F INFORMATION TABLE
TITLE OF VALUE SHARES/ INVESTMENT DESCRETION VOTING AUTHORITY
NAME OF ISSUER CLASS CUSIP (X$1000) PRN AMT SOLE SHARED OTHER SOLE SHARED NONE
------------------------------------------------------------------------------------------------------------------------------------
EATON CORP PLC SHS G29183103 78 1437 SH SOLE 1437 0 0
INGERSOLL-RAND PLC SHS G47791101 23 490 SH SOLE 490 0 0
SEAGATE TECHNOLOGY PLC SHS G7945M107 3 104 SH SOLE 104 0 0
UTSTARCOM HOLDINGS CORP USD ORD SHS G9310A106 2 1984 SH SOLE 1984 0 0
ACE LTD SHS H0023R105 16 200 SH SOLE 200 0 0
NOBLE CORPORATION BAAR NAMEN -AKT H5833N103 766 22000 SH SOLE 22000 0 0
NOBLE CORPORATION BAAR NAMEN -AKT H5833N103 230 6600 SH DEFINED 6600 0 0
TRANSOCEAN LTD REG SHS H8817H100 3 69 SH SOLE 69 0 0
ROYAL CARIBBEAN CRUISES LTD COM V7780T103 3 100 SH SOLE 100 0 0
AGL RES INC COM 001204106 28 701 SH SOLE 701 0 0
ALPS ETF TR ALERIAN MLP 00162Q866 2268 142192 SH SOLE 138139 0 4053
ALPS ETF TR ALERIAN MLP 00162Q866 205 12871 SH DEFINED 12871 0 0
AT&T INC COM 00206R102 4216 125100 SH SOLE 125100 0 0
AT&T INC COM 00206R102 806 23924 SH DEFINED 23924 0 0
ABBOTT LABS COM 002824100 2883 44015 SH SOLE 44015 0 0
ABBOTT LABS COM 002824100 252 3850 SH DEFINED 3850 0 0
ADVANCED MICRO DEVICES INC COM 007903107 0 200 SH SOLE 200 0 0
AETNA INC NEW COM 00817Y108 46 1000 SH DEFINED 1000 0 0
AIR PRODS & CHEMS INC COM 009158106 534 6350 SH SOLE 6350 0 0
AIR PRODS & CHEMS INC COM 009158106 17 200 SH DEFINED 200 0 0
ALCOA INC COM 013817101 37 4280 SH SOLE 4280 0 0
ALCOA INC COM 013817101 35 4000 SH DEFINED 4000 0 0
ALCATEL-LUCENT SPONSORED ADR 013904305 0 9 SH SOLE 9 0 0
ALLIANT ENERGY CORP COM 018802108 42 958 SH SOLE 958 0 0
ALLSTATE CORP COM 020002101 21 532 SH SOLE 532 0 0
ALPHA NATURAL RESOURCES INC COM 02076X102 1 108 SH DEFINED 108 0 0
ALTRIA GROUP INC COM 02209S103 57 1800 SH SOLE 1800 0 0
ALTRIA GROUP INC COM 02209S103 8 250 SH DEFINED 250 0 0
AMERICAN ELEC PWR INC COM 025537101 167 3905 SH SOLE 3905 0 0
AMERICAN ELEC PWR INC COM 025537101 64 1493 SH DEFINED 1493 0 0
AMERICAN EXPRESS CO COM 025816109 69 1200 SH SOLE 1200 0 0
AMERICAN INTL GROUP INC *W EXP 01/19/2021 026874156 0 4 SH SOLE 4 0 0
AMERICAN INTL GROUP INC *W EXP 01/19/2021 026874156 0 10 SH DEFINED 10 0 0
AMERIGAS PARTNERS L P UNIT L P INT 030975106 31 800 SH DEFINED 800 0 0
AMGEN INC COM 031162100 306 3550 SH SOLE 3550 0 0
AMGEN INC COM 031162100 95 1100 SH DEFINED 1100 0 0
ANADARKO PETE CORP COM 032511107 45 600 SH SOLE 600 0 0
ANALOG DEVICES INC COM 032654105 32 750 SH SOLE 750 0 0
ANNALY CAP MGMT INC COM 035710409 15 1100 SH SOLE 1100 0 0
ANNALY CAP MGMT INC COM 035710409 4 300 SH DEFINED 300 0 0
APACHE CORP COM 037411105 295 3763 SH SOLE 3763 0 0
APPLE INC COM 037833100 6892 12951 SH SOLE 2276 0 10675
APPLIED MATLS INC COM 038222105 53 4600 SH SOLE 4600 0 0
AQUA AMERICA INC COM 03836W103 51 2000 SH SOLE 2000 0 0
ARROW FINL CORP COM 042744102 0 7 SH SOLE 7 0 0
ASTORIA FINL CORP COM 046265104 66 7100 SH SOLE 7100 0 0
ASTORIA FINL CORP COM 046265104 34 3600 SH DEFINED 3600 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 2435 42780 SH SOLE 42679 0 101
AUTOMATIC DATA PROCESSING IN COM 053015103 296 5206 SH DEFINED 5206 0 0
BB&T CORP COM 054937107 179 6150 SH SOLE 6150 0 0
BB&T CORP COM 054937107 20 700 SH DEFINED 700 0 0
BP PLC SPONSORED ADR 055622104 5 132 SH SOLE 132 0 0
BAKER HUGHES INC COM 057224107 63 1550 SH SOLE 1400 0 150
BANK OF AMERICA CORPORATION COM 060505104 169 14560 SH SOLE 14560 0 0
BANK OF AMERICA CORPORATION COM 060505104 1 100 SH DEFINED 100 0 0
BANK OF NEW YORK MELLON CORP COM 064058100 221 8580 SH SOLE 8580 0 0
BARCLAYS BANK PLC SP ADR 7.1%PF3 06739H776 366 14600 SH SOLE 14600 0 0
BARCLAYS BANK PLC SP ADR 7.1%PF3 06739H776 43 1700 SH DEFINED 1700 0 0
BARRICK GOLD CORP COM 067901108 13 375 SH SOLE 0 0 375
BAXTER INTL INC COM 071813109 220 3300 SH SOLE 3300 0 0
BAXTER INTL INC COM 071813109 13 200 SH DEFINED 200 0 0
BECTON DICKINSON & CO COM 075887109 381 4875 SH SOLE 4875 0 0
BECTON DICKINSON & CO COM 075887109 149 1900 SH DEFINED 1900 0 0
BEMIS INC COM 081437105 941 28125 SH SOLE 28125 0 0
BEMIS INC COM 081437105 214 6400 SH DEFINED 6400 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 94 1053 SH SOLE 1053 0 0
BERKSHIRE HILLS BANCORP INC COM 084680107 27 1127 SH DEFINED 1127 0 0
BEST BUY INC COM 086516101 2 200 SH SOLE 200 0 0
BHP BILLITON LTD SPONSORED ADR 088606108 741 9450 SH SOLE 9450 0 0
BHP BILLITON LTD SPONSORED ADR 088606108 145 1850 SH DEFINED 1850 0 0
BLACKSTONE GROUP L P COM UNIT LTD 09253U108 29 1863 SH SOLE 1863 0 0
BLACKROCK MUNIHLDGS NY QLTY COM 09255C106 62 3835 SOLE 3835 0 0
BLACKROCK CORPOR HI YLD III COM 09255M104 5 700 SH DEFINED 700 0 0
BOEING CO COM 097023105 326 4325 SH SOLE 4325 0 0
BRIDGE BANCORP INC COM 108035106 4 200 SH SOLE 200 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 697 21373 SH SOLE 21207 0 166
BRISTOL MYERS SQUIBB CO COM 110122108 395 12129 SH DEFINED 12129 0 0
BROADRIDGE FINL SOLUTIONS IN COM 11133T103 5 200 SH DEFINED 200 0 0
BUCKEYE PARTNERS L P UNIT LTD PARTN 118230101 5 115 SH SOLE 115 0 0
BUCKEYE PARTNERS L P UNIT LTD PARTN 118230101 23 500 SH DEFINED 500 0 0
C H ROBINSON WORLDWIDE INC COM NEW 12541W209 122 1925 SH SOLE 1925 0 0
CIT GROUP INC COM NEW 125581801 8 204 SH SOLE 204 0 0
CME GROUP INC COM 12572Q105 6 125 SH SOLE 125 0 0
CSX CORP COM 126408103 4 200 SH SOLE 200 0 0
CVS CAREMARK/CORP COM 126650100 242 5000 SH SOLE 5000 0 0
CARDINAL HEALTH INC COM 14149Y108 6 150 SH SOLE 150 0 0
CATERPILLAR INC DEL COM 149123101 456 5093 SH SOLE 5093 0 0
CATERPILLAR INC DEL COM 149123101 125 1400 SH DEFINED 1400 0 0
CENOVUS ENERGY INC COM 15135U109 5 158 SH SOLE 158 0 0
CENTERPOINT ENERGY INC COM 15189T107 21 1100 SH SOLE 1100 0 0
CENTURYTEL INC COM 156700106 51 1309 SH SOLE 1309 0 0
CHESAPEAKE ENERGY CORP COM 165167107 19 1142 SH SOLE 1142 0 0
CHEVRON CORP COM 166764100 2851 26368 SH SOLE 26316 0 52
CHEVRON CORP COM 166764100 751 6947 SH DEFINED 6947 0 0
CHUBB CORP COM 171232101 594 7890 SH SOLE 7890 0 0
CHUBB CORP COM 171232101 90 1200 SH DEFINED 1200 0 0
CIENA CORP COM NEW 171779309 22 1429 SH SOLE 0 0 1429
CISCO SYS INC COM 17275R102 1102 56102 SH SOLE 56102 0 0
CISCO SYS INC COM 17275R102 200 10200 SH DEFINED 10200 0 0
CITIZENS & NORTHN CORP COM 172922106 181 9597 SH SOLE 9597 0 0
CITIGROUP INC COM 172967424 35 890 SH SOLE 890 0 0
CITIGROUP INC COM 172967424 4 100 SH DEFINED 100 0 0
COACH INC COM 189754104 6 100 SH DEFINED 100 0 0
COCA COLA CO COM 191216100 3091 85278 SH SOLE 85131 0 147
COCA COLA CO COM 191216100 702 19357 SH DEFINED 19357 0 0
COHEN & STEERS REIT & PFD IN COM 19247X100 3 200 SH SOLE 200 0 0
COLGATE PALMOLIVE CO COM 194162103 573 5477 SH SOLE 5477 0 0
COLGATE PALMOLIVE CO COM 194162103 478 4568 SH DEFINED 4568 0 0
COMCAST CORP COM 20030N101 214 5719 SH SOLE 5719 0 0
COMMUNITY BK SYS INC COM 203607106 23795 869708 SH SOLE 868558 0 1150
COMMUNITY BK SYS INC COM 203607106 25390 928000 SH DEFINED 928000 0 0
CONAGRA FOODS INC COM 205887102 3 100 SH SOLE 100 0 0
CONOCOPHILLIPS COM 20825C104 1311 22605 SH SOLE 22503 0 102
CONOCOPHILLIPS COM 20825C104 369 6356 SH DEFINED 6356 0 0
CONSOLIDATED EDISON INC COM 209115104 345 6205 SH SOLE 6205 0 0
CONSOLIDATED EDISON INC COM 209115104 6 100 SH DEFINED 100 0 0
CONSTELLATION BRANDS INC CL A 21036P108 57 1600 SH SOLE 1600 0 0
CONSTELLATION BRANDS INC CL A 21036P108 101 2846 SH DEFINED 2846 0 0
CORNING INC COM 219350105 204 16200 SH SOLE 16200 0 0
CORNING INC COM 219350105 19 1490 SH DEFINED 1490 0 0
COVANCE INC COM 222816100 3 48 SH SOLE 48 0 0
CUBIST PHARMACEUTICALS INC COM 229678107 8 200 SH DEFINED 200 0 0
CUMMINS INC COM 231021106 76 700 SH SOLE 700 0 0
CURTISS WRIGHT CORP COM 231561101 26 800 SH SOLE 800 0 0
DARDEN RESTAURANTS INC COM 237194105 94 2091 SH SOLE 1983 0 108
DARDEN RESTAURANTS INC COM 237194105 77 1700 SH DEFINED 1700 0 0
DEERE & CO COM 244199105 29 339 SH SOLE 339 0 0
DELL INC COM 24702R101 14 1350 SH SOLE 1350 0 0
DEVON ENERGY CORP NEW COM 25179M103 167 3200 SH SOLE 3200 0 0
DEVON ENERGY CORP NEW COM 25179M103 73 1400 SH DEFINED 1400 0 0
DISNEY WALT CO COM DISNEY 254687106 753 15124 SH SOLE 15124 0 0
DOMINION RES INC VA NEW COM 25746U109 1868 36078 SH SOLE 36078 0 0
DOMINION RES INC VA NEW COM 25746U109 678 13100 SH DEFINED 13100 0 0
DONNELLEY R R & SONS CO COM 257867101 1 100 SH SOLE 0 0 100
DOW CHEM CO COM 260543103 1044 32298 SH SOLE 32112 0 186
DOW CHEM CO COM 260543103 122 3778 SH DEFINED 3778 0 0
DU PONT E I DE NEMOURS & CO COM 263534109 365 8126 SH SOLE 8008 0 118
DU PONT E I DE NEMOURS & CO COM 263534109 67 1494 SH DEFINED 1494 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 322 5053 SH SOLE 4920 0 133
DUKE ENERGY CORP NEW COM NEW 26441C204 60 935 SH DEFINED 935 0 0
E M C CORP MASS COM 268648102 208 8209 SH SOLE 8209 0 0
EOG RES INC COM 26875P101 308 2550 SH SOLE 2550 0 0
EATON VANCE NY MUNI INCOME T SH BEN INT 27826W104 5 350 DEFINED 350 0 0
ELDORADO GOLD CORP NEW COM 284902103 6 452 SH DEFINED 452 0 0
ELMIRA SAVINGS BK ELMIRA N Y COM 289660102 74 3237 SH SOLE 3237 0 0
EMERSON ELEC CO COM 291011104 1297 24490 SH SOLE 24490 0 0
EMERSON ELEC CO COM 291011104 78 1475 SH DEFINED 1475 0 0
ENBRIDGE ENERGY PARTNERS L P COM 29250R106 6 200 SH DEFINED 200 0 0
ENCANA CORP COM 292505104 3 128 SH SOLE 128 0 0
ENTERGY CORP NEW COM 29364G103 2 27 SH SOLE 27 0 0
ENTERPRISE PRODS PARTNERS L COM 293792107 99 1982 SH SOLE 1873 0 109
ENTERPRISE PRODS PARTNERS L COM 293792107 5 100 SH DEFINED 100 0 0
EQUITY RESIDENTIAL COM 29476L107 34 600 SH SOLE 600 0 0
EXELON CORP COM 30161N101 998 33575 SH SOLE 33575 0 0
EXELON CORP COM 30161N101 294 9900 SH DEFINED 9900 0 0
EXIDE TECHNOLOGIES COM NEW 302051206 15 4300 SH SOLE 4300 0 0
EXPRESS SCRIPTS HLDG CO COM 30219G108 5 100 SH SOLE 100 0 0
EXXON MOBIL CORP COM 30231G102 6488 74962 SH SOLE 74962 0 0
EXXON MOBIL CORP COM 30231G102 1107 12785 SH DEFINED 12785 0 0
FNB CORP PA COM 302520101 37 3454 SH SOLE 3454 0 0
FACEBOOK INC CL A 30303M102 7 270 SH SOLE 270 0 0
FASTENAL CO COM 311900104 275 5900 SH SOLE 5900 0 0
FASTENAL CO COM 311900104 140 3000 SH DEFINED 3000 0 0
FEDEX CORP COM 31428X106 9 100 SH SOLE 100 0 0
FISERV INC COM 337738108 40 500 SH SOLE 500 0 0
FIRSTENERGY CORP COM 337932107 77 1834 SH SOLE 1711 0 123
FIRSTENERGY CORP COM 337932107 57 1359 SH DEFINED 1359 0 0
FORD MTR CO DEL COM PAR $0.01 345370860 75 5790 SH SOLE 5790 0 0
FORD MTR CO DEL COM PAR $0.01 345370860 36 2805 SH DEFINED 2805 0 0
FRANCE TELECOM SPONSORED ADR 35177Q105 11 1000 SH DEFINED 1000 0 0
FRANCO NEVADA CORP COM 351858105 8 132 SH DEFINED 132 0 0
FREEPORT-MCMORAN COPPER & GO COM 35671D857 171 5000 SH DEFINED 5000 0 0
FRONTIER COMMUNICATIONS CORP COM 35906A108 2 390 SH SOLE 390 0 0
FRONTIER COMMUNICATIONS CORP COM 35906A108 1 120 SH DEFINED 120 0 0
GSV CAP CORP COM 36191J101 3 300 SH SOLE 300 0 0
GENERAL DYNAMICS CORP COM 369550108 166 2400 SH SOLE 2400 0 0
GENERAL DYNAMICS CORP COM 369550108 14 200 SH DEFINED 200 0 0
GENERAL ELEC CO COM 369604103 4754 226613 SH SOLE 222513 0 4100
GENERAL ELEC CO COM 369604103 737 35138 SH DEFINED 35138 0 0
GENERAL MLS INC COM 370334104 1143 28278 SH SOLE 28278 0 0
GENERAL MLS INC COM 370334104 373 9220 SH DEFINED 9220 0 0
GENERAL MTRS CO COM 37045V100 5 162 SH SOLE 162 0 0
GENERAL MOTORS CO WTS EXP 07 /10/16 37045V118 3 146 SH SOLE 146 0 0
GENERAL MOTORS CO WTS EXP 07 /10/19 37045V126 2 146 SH SOLE 146 0 0
GENUINE PARTS CO COM 372460105 30 479 SH SOLE 479 0 0
GENWORTH FINL INC COM CL A 37247D106 8 1000 SH SOLE 1000 0 0
GILEAD SCIENCES INC COM 375558103 7 98 SH SOLE 98 0 0
GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 30 700 SH SOLE 700 0 0
GLOBAL HIGH INCOME FUND INC COM 37933G108 6 500 SH SOLE 500 0 0
GLOBAL X FDS GLB X URANIUM 37950E754 174 26675 SH SOLE 23175 0 3500
GOLDMAN SACHS GROUP INC COM 38141G104 19 150 SH SOLE 150 0 0
GOOGLE INC CL A 38259P508 161 227 SH SOLE 227 0 0
HCP INC COM 40414L109 139 3082 SH SOLE 3082 0 0
HCP INC COM 40414L109 65 1437 SH DEFINED 1437 0 0
HSBC HLDGS PLC ADR A 1/40PF A 404280604 50 2000 SH SOLE 2000 0 0
HALLIBURTON CO COM 406216101 66 1900 SH SOLE 1900 0 0
HANGER INC COM NEW 41043F208 5 200 SH SOLE 200 0 0
HARLEY DAVIDSON INC COM 412822108 10 200 SH SOLE 200 0 0
HEINZ H J CO COM 423074103 443 7679 SH SOLE 7579 0 100
HEINZ H J CO COM 423074103 63 1099 SH DEFINED 1099 0 0
HERSHEY CO COM 427866108 108 1500 SH SOLE 1500 0 0
HERSHEY CO COM 427866108 72 1000 SH DEFINED 1000 0 0
HEWLETT PACKARD CO COM 428236103 105 7391 SH SOLE 7391 0 0
HEWLETT PACKARD CO COM 428236103 7 500 SH DEFINED 500 0 0
HILLSHIRE BRANDS CO COM 432589109 5 191 SH SOLE 191 0 0
HOME DEPOT INC COM 437076102 303 4893 SH SOLE 4893 0 0
HONEYWELL INTL INC COM 438516106 297 4686 SH SOLE 4686 0 0
ICAD INC COM NEW 44934S206 10 2000 SH SOLE 2000 0 0
ILLINOIS TOOL WKS INC COM 452308109 1748 28750 SH SOLE 28750 0 0
ILLINOIS TOOL WKS INC COM 452308109 278 4575 SH DEFINED 4575 0 0
INERGY L P UNIT LTD PTNR 456615103 4 217 SH SOLE 217 0 0
INERGY L P UNIT LTD PTNR 456615103 2 100 SH DEFINED 100 0 0
INTEGRATED DEVICE TECHNOLOGY COM 458118106 1 200 SH DEFINED 200 0 0
INTEL CORP COM 458140100 1822 88400 SH SOLE 87921 0 479
INTEL CORP COM 458140100 389 18860 SH DEFINED 18860 0 0
INTEGRYS ENERGY GROUP INC COM 45822P105 60 1158 SH SOLE 1056 0 102
INTEGRYS ENERGY GROUP INC COM 45822P105 59 1129 SH DEFINED 1129 0 0
INTL BUSINESS MACH COM 459200101 6315 32970 SH SOLE 32970 0 0
INTL BUSINESS MACH COM 459200101 16678 87069 SH DEFINED 87069 0 0
INTERNATIONAL FLAVORS&FRAGRA COM 459506101 206 3100 SH SOLE 3100 0 0
INTERNATIONAL GAME TECHNOLOG COM 459902102 21 1500 SH SOLE 1500 0 0
INTL PAPER CO COM 460146103 5 122 SH SOLE 122 0 0
ISHARES SILVER TRUST ISHARES 46428Q109 110 3750 SH SOLE 3750 0 0
ISHARES SILVER TRUST ISHARES 46428Q109 55 1872 SH DEFINED 1872 0 0
ISHARES INC MSCI AUSTRALIA 464286103 269 10700 SH SOLE 2600 0 8100
ISHARES INC MSCI BRAZIL 464286400 264 4725 SH SOLE 1175 0 3550
ISHARES INC MSCI CDA INDEX 464286509 2275 80121 SH SOLE 68571 0 11550
ISHARES INC MSCI CDA INDEX 464286509 47 1650 SH DEFINED 1650 0 0
ISHARES INC MSCI EMU INDEX 464286608 2495 74575 SH SOLE 74425 0 150
ISHARES INC MSCI THAILAND 464286624 433 5250 SH SOLE 1225 0 4025
ISHARES INC MSCI PAC J IDX 464286665 23 495 SH SOLE 495 0 0
ISHARES INC MSCI SINGAPORE 464286673 265 19350 SH SOLE 4700 0 14650
ISHARES INC MSCI TURKEY FD 464286715 741 11100 SH SOLE 2200 0 8900
ISHARES INC MSCI TAIWAN 464286731 223 16375 SH SOLE 3950 0 12425
ISHARES INC MSCI S KOREA 464286772 374 5900 SH SOLE 1200 0 4700
ISHARES INC MSCI STH AFRCA 464286780 14 200 SH SOLE 200 0 0
ISHARES TR DJ SEL DIV INX 464287168 732 12787 SH SOLE 3722 0 9065
I SHARES BARCLAYS TIPS BOND FUND 464287176 193 1588 SH SOLE 1588 0 0
I SHARES CORE TOTAL U S BOND MARKET ETF 464287226 2260 20350 SH SOLE 20350 0 0
I SHARES MSCI EMERGING MKTS INDEX FUND 464287234 1117 25194 SH SOLE 7194 0 18000
ISHARES TR IBOXX INV CPBD 464287242 381 3147 SH SOLE 2978 0 169
ISHARES TR IBOXX INV CPBD 464287242 233 1929 SH DEFINED 1929 0 0
ISHARES TR S&P GBL TELCM 464287275 20 350 SH SOLE 350 0 0
ISHARES TR S&P GBL HLTHCR 464287325 24 365 SH SOLE 365 0 0
ISHARES TR 1-3 YR TRS BD 464287457 329 3895 SH SOLE 3670 0 225
ISHARES TR 1-3 YR TRS BD 464287457 29 343 SH DEFINED 343 0 0
I SHARES MSCI EAFE 464287465 11566 203406 SH SOLE 188761 0 14645
I SHARES MSCI EAFE 464287465 52 920 SH DEFINED 920 0 0
ISHARES TR RUSSELL MCP VL 464287473 1380 27475 SH SOLE 27475 0 0
ISHARES TR RUSSELL MCP VL 464287473 186 3700 SH DEFINED 3700 0 0
ISHARES TR S&P MIDCAP 400 464287507 7228 71070 SH SOLE 70000 0 1070
COHEN & STEERS INDEX REALTY FUND 464287564 9 110 SH SOLE 110 0 0
I SHARES RUSSELL 1000 VALUE 464287598 16392 225135 SH SOLE 211510 0 13625
I SHARES RUSSELL 1000 VALUE 464287598 263 3610 SH DEFINED 3610 0 0
ISHARES TR RUSSELL 1000 GROWTH INDEX FUND 464287614 16305 248974 SH SOLE 232324 0 16650
ISHARES TR RUSSELL 1000 GROWTH INDEX FUND 464287614 309 4717 SH DEFINED 4717 0 0
ISHARES TR RUSL 2000 VALU 464287630 99 1315 SH SOLE 1315 0 0
I SHARES CORE S&P SMALL CAP ETF 464287804 8622 110395 SH SOLE 101405 0 8990
I SHARES CORE S&P SMALL CAP ETF 464287804 237 3029 SH DEFINED 3029 0 0
ISHARES TR JPMORGAN USD 464288281 1228 10000 SH SOLE 10000 0 0
ISHARES TR HIGH YLD CORP 464288513 3182 34085 SH SOLE 34085 0 0
ISHARES TR MRTG PLS CAP IDX 464288539 21 1525 SH SOLE 1525 0 0
ISHARES TR BARCLYS MBS BD 464288588 32 300 SH SOLE 300 0 0
ISHARES TR BARCLYS 1-3YR CR 464288646 3129 29662 SH SOLE 27172 0 2490
ISHARES TR BARCLYS 1-3YR CR 464288646 24 227 SH DEFINED 227 0 0
ISHARES TR US PFD STK IDX 464288687 3191 80568 SH SOLE 78393 0 2175
ISHARES TR US PFD STK IDX 464288687 11 270 SH DEFINED 270 0 0
ISHARES TR S&P GL UTILITI 464288711 5 119 SH SOLE 119 0 0
ISHARES TR MSCI PERU CAP 464289842 303 6600 SH SOLE 975 0 5625
ISHARES TR HGH DIV EQT FD 46429B663 4128 70260 SH SOLE 67610 0 2650
ISHARES TR USA MIN VOL ID 46429B697 7812 268995 SH SOLE 259095 0 9900
ISHARES TR BRC 0-5 YR TIP 46429B747 2054 19925 SH SOLE 18775 0 1150
ISHARES TR CORE MSCI EAFE 46432F842 5239 103050 SH SOLE 103050 0 0
ISHARES INC CORE MSCI EMKT 46434G103 7483 143355 SH SOLE 143230 0 125
JDS UNIPHASE CORP COM PAR $0.001 46612J507 34 2500 SH SOLE 0 0 2500
JP MORGAN CHASE & CO COM 46625H100 1536 34935 SH SOLE 34935 0 0
JP MORGAN CHASE & CO COM 46625H100 144 3273 SH DEFINED 3273 0 0
JOHNSON & JOHNSON COM 478160104 4522 64510 SH SOLE 64427 0 83
JOHNSON & JOHNSON COM 478160104 922 13155 SH DEFINED 13155 0 0
JOHNSON CTLS INC COM 478366107 331 10800 SH SOLE 10800 0 0
JOHNSON CTLS INC COM 478366107 31 1000 SH DEFINED 1000 0 0
KELLOGG CO COM 487836108 28 500 SH SOLE 500 0 0
KEYCORP NEW COM 493267108 110 13118 SH SOLE 13118 0 0
KEYCORP NEW COM 493267108 2 200 SH DEFINED 200 0 0
KIMBERLY CLARK CORP COM 494368103 1069 12664 SH SOLE 12664 0 0
KIMBERLY CLARK CORP COM 494368103 380 4500 SH DEFINED 4500 0 0
KINDER MORGAN ENERGY PARTNER UT LTD
PARTNER 494550106 16 200 SH SOLE 200 0 0
KINDER MORGAN ENERGY PARTNER UT LTD
PARTNER 494550106 8 100 SH DEFINED 100 0 0
KINDER MORGAN INC DEL COM 49456B101 4 105 SH SOLE 105 0 0
KINDER MORGAN INC DEL *W EXP
05/25/2017 49456B119 1 160 SH SOLE 160 0 0
KRAFT FOODS GROUP INC COM 50076Q106 232 5096 SH SOLE 5030 0 66
KRAFT FOODS GROUP INC COM 50076Q106 43 949 SH DEFINED 949 0 0
LEGG MASON INC COM 524901105 41 1600 SH SOLE 1600 0 0
LILLY ELI & CO COM 532457108 397 8054 SH SOLE 7929 0 125
LILLY ELI & CO COM 532457108 111 2252 SH DEFINED 2252 0 0
LINN ENERGY LLC 536020100 5 151 SH SOLE 151 0 0
LOCKHEED MARTIN CORP COM 539830109 88 950 SH SOLE 950 0 0
LORILLARD INC COM 544147101 12 100 SH SOLE 100 0 0
LOWES COS INC COM 548661107 187 5275 SH SOLE 5275 0 0
M & T BK CORP COM 55261F104 75 766 SH SOLE 766 0 0
M & T BK CORP COM 55261F104 985 10000 SH DEFINED 10000 0 0
MACK CALI RLTY CORP COM 554489104 10 400 SH SOLE 400 0 0
MACYS INC COM 55616P104 10 250 SH SOLE 0 0 250
MANNATECH INC COM NEW 563771203 0 40 SH DEFINED 40 0 0
MARATHON OIL CORP COM 565849106 25 804 SH SOLE 804 0 0
MARATHON PETE CORP COM 56585A102 6 100 SH SOLE 100 0 0
MARKET VECTORS ETF TR GOLD MINER ETF 57060U100 32 700 SH SOLE 700 0 0
MARKET VECTORS ETF TR RUSSIA ETF 57060U506 203 6800 SH SOLE 1275 0 5525
MARKET VECTORS ETF TR AGRIBUS ETF 57060U605 11 200 SH SOLE 100 0 100
MARKET VECTORS ETF TR VIETNAM ETF 57060U761 257 14275 SH SOLE 3175 0 11100
MCDONALDS CORP COM 580135101 649 7358 SH SOLE 7295 0 63
MCDONALDS CORP COM 580135101 430 4871 SH DEFINED 4871 0 0
MCGRAW HILL COS INC COM 580645109 11 200 SH SOLE 200 0 0
MCKESSON CORP COM 58155Q103 121 1250 SH SOLE 1250 0 0
MCKESSON CORP COM 58155Q103 213 2200 SH DEFINED 2200 0 0
MEDICAL PPTYS TRUST INC COM 58463J304 12 1000 SH DEFINED 1000 0 0
MEDTRONIC INC COM 585055106 332 8090 SH SOLE 8090 0 0
MERCHANTS BANCSHARES COM 588448100 127 4750 SH SOLE 4750 0 0
MERCHANTS BANCSHARES COM 588448100 80 3000 SH DEFINED 3000 0 0
MERCK & CO INC NEW COM 58933Y105 2039 49805 SH SOLE 49672 0 133
MERCK & CO INC NEW COM 58933Y105 421 10290 SH DEFINED 10290 0 0
METLIFE INC COM 59156R108 15 450 SH SOLE 450 0 0
METLIFE INC COM 59156R108 26 800 SH DEFINED 800 0 0
MICROSOFT CORP COM 594918104 1701 63720 SH SOLE 56088 0 7632
MICROSOFT CORP COM 594918104 272 10175 SH DEFINED 10175 0 0
MONDELEZ INTRNTL INC COM 609207105 215 8448 SH SOLE 8343 0 105
MONDELEZ INTRNTL INC COM 609207105 38 1480 SH DEFINED 1480 0 0
MONSANTO CO (NEW) COM 61166W101 588 6209 SH SOLE 6209 0 0
MONSANTO CO (NEW) COM 61166W101 48 502 SH DEFINED 502 0 0
MORGAN STANLEY EMER MKTS DEB COM 61744H105 7 575 SH DEFINED 575 0 0
MORGAN STANLEY COM NEW 617446448 66 3430 SH SOLE 3430 0 0
MORGAN STANLEY INDIA INVS FD COM 61745C105 38 2050 SH SOLE 0 0 2050
MOSAIC CO NEW COM 61945C103 1 23 SH SOLE 23 0 0
MYLAN LABS INC COM 628530107 6 225 SH SOLE 225 0 0
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NBT BANCORP INC COM 628778102 55 2706 SH DEFINED 2706 0 0
NATIONAL BK GREECE S A SPN ADR REP 1 SH 633643606 0 200 SH SOLE 200 0 0
NATIONAL FUEL GAS CO N J COM 636180101 4 80 SH SOLE 80 0 0
NATIONAL FUEL GAS CO N J COM 636180101 51 1000 SH DEFINED 1000 0 0
NATIONAL GRID PLC SPON ADR NEW 636274300 6 100 SH SOLE 100 0 0
NATIONAL GRID PLC SPON ADR NEW 636274300 6 100 SH DEFINED 100 0 0
NATURAL RESOURCES PARTNERS L P 63900P103 7 400 SH DEFINED 400 0 0
NEVADA GOLD & CASINOS INC COM NEW 64126Q206 1 1000 SH DEFINED 1000 0 0
NEW GOLD INC CDA COM 644535106 5 450 SH DEFINED 450 0 0
NEW YORK CMNTY BANCORP INC COM 649445103 1 100 SH SOLE 100 0 0
NEWELL RUBBERMAID INC COM 651229106 11 485 SH SOLE 0 0 485
NEWMONT MINING CORP COM 651639106 9 204 SH SOLE 204 0 0
NEXTERA ENERGY INC COM 65339F101 911 13162 SH SOLE 13012 0 150
NEXTERA ENERGY INC COM 65339F101 325 4700 SH DEFINED 4700 0 0
NIKE INC CL B 654106103 165 3200 SH SOLE 3200 0 0
NIKE INC CL B 654106103 41 800 SH DEFINED 800 0 0
NOKIA CORP SPONSORED ADR 654902204 27 6750 SH SOLE 6750 0 0
NORFOLK SOUTHERN CORP COM 655844108 835 13497 SH SOLE 13497 0 0
NORFOLK SOUTHERN CORP COM 655844108 111 1800 SH DEFINED 1800 0 0
NORTH EUROPEAN OIL RTY TR SH BEN INT 659310106 9 400 SH SOLE 400 0 0
NORTHEAST UTILS COM 664397106 22 551 SH SOLE 551 0 0
NORTHROP GRUMMAN CORP COM 666807102 54 800 SH SOLE 800 0 0
NORWOOD FINANCIAL CORP COM 669549107 41 1365 SH SOLE 1365 0 0
NOVARTIS A G SPONSORED ADR 66987V109 1976 31225 SH SOLE 31225 0 0
NOVARTIS A G SPONSORED ADR 66987V109 434 6850 SH DEFINED 6850 0 0
NUCOR CORP COM 670346105 1067 24736 SH SOLE 24736 0 0
NUCOR CORP COM 670346105 95 2200 SH DEFINED 2200 0 0
NUVEEN SELECT TAX FREE INCM SH BEN INT 67062F100 35 2363 SOLE 2363 0 0
NUVEEN NY MUN VALUE FD COM 67062M105 61 5886 SOLE 5886 0 0
NUVEEN NY MUN VALUE FD COM 67062M105 5 500 DEFINED 500 0 0
OGE ENERGY CORP COM 670837103 225 4000 SH SOLE 4000 0 0
OGE ENERGY CORP COM 670837103 90 1600 SH DEFINED 1600 0 0
OCCIDENTAL PETE CORP DEL COM 674599105 90 1175 SH SOLE 1075 0 100
OLIN CORP COM PAR $1 680665205 11 500 SH SOLE 500 0 0
OMNICOM GROUP INC COM 681919106 22 450 SH SOLE 450 0 0
ONEOK PARTNERS LP LP 68268N103 22 400 SH SOLE 400 0 0
ORACLE CORP COM 68389X105 403 12097 SH SOLE 12097 0 0
ORACLE CORP COM 68389X105 17 500 SH DEFINED 500 0 0
PG&E CORP COM 69331C108 74 1830 SH SOLE 1701 0 129
PG&E CORP COM 69331C108 57 1427 SH DEFINED 1427 0 0
PPG INDS INC COM 693506107 251 1857 SH SOLE 1857 0 0
PPL CORP COM 69351T106 327 11439 SH SOLE 11439 0 0
PPL CORP COM 69351T106 6 200 SH DEFINED 200 0 0
PARKER HANNIFIN CORP COM 701094104 30 350 SH SOLE 350 0 0
PAYCHEX INC COM 704326107 4 135 SH SOLE 135 0 0
PAYCHEX INC COM 704326107 10 312 SH DEFINED 312 0 0
PEABODY ENERGY CORP COM 704549104 8 300 SH SOLE 300 0 0
PEPCO HOLDINGS INC COM 713291102 4 200 SH DEFINED 200 0 0
PEPSICO INC COM 713448108 3320 48511 SH SOLE 48432 0 79
PEPSICO INC COM 713448108 557 8142 SH DEFINED 8142 0 0
PERMIAN BASIN RTY TR UNIT BEN INT 714236106 2 200 SH SOLE 200 0 0
PFIZER INC COM 717081103 2044 81543 SH SOLE 81102 0 441
PFIZER INC COM 717081103 180 7163 SH DEFINED 7163 0 0
PHILIP MORRIS INTL INC COM 718172109 111 1323 SH SOLE 1323 0 0
PHILIP MORRIS INTL INC COM 718172109 17 200 SH DEFINED 200 0 0
PHILLIPS 66 COM 718546104 580 10916 SH SOLE 10916 0 0
PHILLIPS 66 COM 718546104 137 2589 SH DEFINED 2589 0 0
PIMCO EHHANCED SHRT MATURITY ETF 72201R833 1825 17985 SH SOLE 17985 0 0
PIMCO EHHANCED SHRT MATURITY ETF 72201R833 400 3944 SH DEFINED 3944 0 0
PINNACLE WEST CPTLCORP 723484101 251 4930 SH SOLE 4930 0 0
PITNEY BOWES INC COM 724479100 37 3500 SH SOLE 3500 0 0
PLAINS ALL AMERICAN PIPELINE, LLP 72650310 52 7600 SH SOLE 60 0 0 0"
PLUG POWER INC COM NEW 72919P202 0 3 SH SOLE 3 0 0
POTASH CORP SASK INC COM 73755L107 795 19550 SH SOLE 19550 0 0
POTASH CORP SASK INC COM 73755L107 146 3600 SH DEFINED 3600 0 0
POWERSHARES DB CMDTY IDX TRA UNIT
BEN INT 73935S105 3046 109696 SH SOLE 99421 0 10275
POWERSHARES ETF TRUST FINL PFD PTFL 73935X229 9 500 SH SOLE 500 0 0
POWERSHARES ETF TRUST WATER RESOURCE 73935X575 1 50 SH SOLE 50 0 0
POWERSHARES ETF TRUST II MENA FRNTR ETF 73936Q603 16 1500 SH SOLE 0 0 1500
POWERSHARES GLOBAL ETF TRUST I-30 LAD
TREAS 73936T524 9 274 SH SOLE 274 0 0
PRINCIPAL FINL GROUP INC COM 74251V102 6 200 SH SOLE 200 0 0
PROCTER & GAMBLE CO COM 742718109 4252 62641 SH SOLE 62556 0 85
PROCTER & GAMBLE CO COM 742718109 718 10584 SH DEFINED 10584 0 0
PROGRESSIVE CORP OHIO COM 743315103 21 1000 SH SOLE 1000 0 0
PRUDENTIAL FINL INC COM 744320102 21 391 SH SOLE 391 0 0
PUBLIC SVC ENTERPRISE GROUP COM 744573106 1267 41418 SH SOLE 41418 0 0
PUBLIC SVC ENTERPRISE GROUP COM 744573106 530 17316 SH DEFINED 17316 0 0
QUALCOMM INC COM 747525103 442 7148 SH SOLE 7148 0 0
RAYTHEON CO COM NEW 755111507 58 1000 SH SOLE 1000 0 0
REYNOLDS AMERICAN INC COM 761713106 10 250 SH DEFINED 250 0 0
RIO TINTO PLC SPONSORED ADR 767204100 232 4000 SH DEFINED 4000 0 0
RITE AID CORP COM 767754104 7 5000 SH SOLE 5000 0 0
ROCKWELL AUTOMATION INC COM 773903109 42 500 SH SOLE 500 0 0
ROCKWELL COLLINS INC COM 774341101 230 3950 SH SOLE 3950 0 0
ROYAL BK CDA MONTREAL QUE COM 780087102 60 1000 SH DEFINED 1000 0 0
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 554 8037 SH SOLE 8037 0 0
ROYAL GOLD INC COM 780287108 5 63 SH DEFINED 63 0 0
RUBICON MINERALS CORP COM 780911103 3 1228 SH DEFINED 1228 0 0
SPDR S&P 500 ETF TRUST 78462F103 3774 26503 SH SOLE 26503 0 0
SPDR S&P 500 ETF TRUST 78462F103 376 2642 SH DEFINED 2642 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 84 521 SH SOLE 521 0 0
SPDR INDEX SHS FDS S&P INTL ETF78463X772 57 1175 SH SOLE 1175 0 0
SPDR INDEX SHS FDS MACQU GLBIN100 78463X855 2 50 SH SOLE 50 0 0
SPDR BARCLAYS CONVERTIBLE SECURITIES ETF 78464A359 1773 44010 SH SOLE 41380 0 2630
SPDR BARCLAYS HIGH YIELD BOND ETF 78464A417 3956 97200 SH SOLE 85800 0 11400
SPDR BARCLAYS HIGH YIELD BOND ETF 78464A417 39 950 SH DEFINED 950 0 0
SPDR SERIES TRUST BARC CAPTL ETF 78464A474 744 24225 SH SOLE 20275 0 3950
SPDR SERIES TRUST DB INT GVT ETF 78464A490 56 875 SH SOLE 875 0 0
SPDR SERIES TRUST S&P DIVID ETF 78464A763 29 500 SH SOLE 500 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1
S&PDCRP 78467Y107 3446 18556 SH SOLE 15906 0 2650
SPDR S&P MIDCAP 400 ETF TR UTSER1
S&PDCRP 78467Y107 370 1994 SH DEFINED 1994 0 0
SPDR BARCLAYS SHORT TERM HIGH YIELD
BOND ETF 78468R408 122 4000 SH SOLE 2000 0 2000
SABINE ROYALTY TR UNIT BEN INT 785688102 8 200 SH SOLE 200 0 0
SAPIENT CORP COM 803062108 1 103 SH SOLE 103 0 0
SCANA CORP NEW COM 80589M102 66 1446 SH SOLE 1446 0 0
SCHLUMBERGER LTD COM 806857108 689 9950 SH SOLE 9950 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 4 100 SH SOLE 100 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 30 850 SH SOLE 850 0 0
SECTOR SPDR TR SBI INT-ENERGY 81369Y506 229 3200 SH SOLE 3200 0 0
SELECT SECTOR SPDR TR SBI INT-TECH 81369Y803 460 15950 SH SOLE 3300 0 12650
SELECT SECTOR SPDR TR SBI INT-TECH 81369Y803 197 6844 SH DEFINED 6844 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 1122 32118 SH SOLE 32118 0 0
SEMPRA ENERGY COM 816851109 1668 23515 SH SOLE 23515 0 0
SEMPRA ENERGY COM 816851109 261 3675 SH DEFINED 3675 0 0
SIGMA ALDRICH CORP COM 826552101 230 3130 SH SOLE 3130 0 0
SILVER WHEATON CORP COM 828336107 19 540 SH DEFINED 540 0 0
SONOCO PRODS CO COM 835495102 53 1800 SH SOLE 1800 0 0
SOUTHERN CO COM 842587107 385 8986 SH SOLE 8986 0 0
SPECTRA ENERGY CORP COM 847560109 131 4802 SH SOLE 4607 0 195
SPECTRA ENERGY CORP COM 847560109 57 2100 SH DEFINED 2100 0 0
SPRINT NEXTEL CORP COM 852061100 1 100 SH SOLE 100 0 0
STANLEY BLACK & DECKER INC COM 854502101 784 10600 SH SOLE 10600 0 0
STANLEY BLACK & DECKER INC COM 854502101 200 2700 SH DEFINED 2700 0 0
STAPLES INCORPORATED COM 855030102 14 1250 SH SOLE 1250 0 0
STARBUCKS CORP COM 855244109 50 925 SH SOLE 925 0 0
STATE AUTO FINL CORP COM 855707105 10 684 SH SOLE 684 0 0
STATE STR CORP COM 857477103 103 2195 SH SOLE 2195 0 0
STRYKER CORP COM 863667101 88 1610 SH SOLE 1610 0 0
STRYKER CORP COM 863667101 11 200 SH DEFINED 200 0 0
SUBURBAN PROPANE PARTNERS L UNIT LTD
PARTN 864482104 1 23 SH SOLE 23 0 0
SUBURBAN PROPANE PARTNERS L UNIT LTD
PARTN 864482104 0 10 SH DEFINED 10 0 0
SUNCOR ENERGY INC NEW COM 867224107 58 1750 SH SOLE 1750 0 0
SYMANTEC CORP COM 871503108 46 2455 SH SOLE 2455 0 0
SYSCO CORP COM 871829107 1004 31725 SH SOLE 31725 0 0
SYSCO CORP COM 871829107 320 10100 SH DEFINED 10100 0 0
TARGET CORP COM 87612E106 544 9200 SH SOLE 9200 0 0
TARGET CORP COM 87612E106 18 300 SH DEFINED 300 0 0
TELEFONICA S A SPONSORED ADR 879382208 4 308 SH DEFINED 308 0 0
TEMPLETON EMERG MKTS INCOME COM 880192109 4 250 SH DEFINED 250 0 0
TENARIS S A SPONSORED ADR 88031M109 42 1000 SH SOLE 1000 0 0
TEVA PHARMACEUTICAL INDS LTD ADR 881624209 9 237 SH SOLE 237 0 0
TEVA PHARMACEUTICAL INDS LTD ADR 881624209 7 200 SH DEFINED 200 0 0
TEXAS INSTRS INC COM 882508104 553 17920 SH SOLE 17920 0 0
TEXAS INSTRS INC COM 882508104 74 2400 SH DEFINED 2400 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 36 558 SH SOLE 558 0 0
3M CO COM 88579Y101 3561 38350 SH SOLE 38200 0 150
3M CO COM 88579Y101 585 6300 SH DEFINED 6300 0 0
TIME WARNER INC COM NEW 887317303 41 857 SH SOLE 715 0 142
TOMPKINS TRUST CO INC COM 890110109 132 3341 SH SOLE 3341 0 0
TOTAL S A SPONSORED ADR 89151E109 94 1800 SH DEFINED 1800 0 0
TOYOTA MOTOR CORP SP ADR REP2COM 892331307 19 200 SH SOLE 200 0 0
TRANS1 INC COM 89385X105 14 5775 SH SOLE 3825 0 1950
TRAVELERS COMPANIES INC COM 89417E109 15 208 SH SOLE 208 0 0
TRI CONTL CORP COM 895436103 128 8000 SH SOLE 8000 0 0
TRUSTCO BK CORP N Y COM 898349105 4 842 SH DEFINED 842 0 0
UIL HLDG CORP COM 902748102 30 847 SH SOLE 847 0 0
US BANCORP DEL COM NEW 902973304 77 2400 SH SOLE 2400 0 0
US BANCORP DEL COM NEW 902973304 64 2000 SH DEFINED 2000 0 0
UNILEVER PLC SPON ADR NEW 904767704 4 100 SH DEFINED 100 0 0
UNILEVER N V N Y SHS NEW 904784709 15 400 SH SOLE 400 0 0
UNITED PARCEL SERVICE INC CL B 911312106 1160 15735 SH SOLE 15735 0 0
UNITED PARCEL SERVICE INC CL B 911312106 214 2900 SH DEFINED 2900 0 0
UNITED TECHNOLOGIES CORP COM 913017109 2078 25335 SH SOLE 25335 0 0
UNITED TECHNOLOGIES CORP COM 913017109 353 4300 SH DEFINED 4300 0 0
UNITEDHEALTH GROUP INC COM 91324P102 629 11600 SH SOLE 11600 0 0
UNITEDHEALTH GROUP INC COM 91324P102 27 500 SH DEFINED 500 0 0
VALERO ENERGY CORP NEW COM 91913Y100 28 821 SH SOLE 821 0 0
VANGUARD SPECIALIZED PORTFOL DIV APP ETF 921908844 8926 149862 SH SOLE 128362 0 21500
VANGUARD SPECIALIZED PORTFOL DIV APP ETF 921908844 413 6928 SH DEFINED 6928 0 0
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 1843 22750 SH SOLE 22750 0 0
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 178 2200 SH DEFINED 2200 0 0
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 2090 24877 SH SOLE 23982 0 895
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 760 9050 SH DEFINED 9050 0 0
VANGUARD HIGH DIVIDEND YIELD ETF 921946406 22 450 SH SOLE 450 0 0
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 44 500 SH SOLE 500 0 0
VANGUARD WORLD FDS ENERGY ETF 92204A306 5 50 SH SOLE 50 0 0
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 662 19425 SH SOLE 19425 0 0
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 184 5400 SH DEFINED 5400 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 36 500 SH SOLE 500 0 0
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603 314 4400 SH DEFINED 4400 0 0
VANGUARD WORLD FDS UTILITIES ETF 92204A876 316 4200 SH SOLE 4200 0 0
VANGUARD WORLD FDS UTILITIES ETF 92204A876 23 300 SH DEFINED 300 0 0
VANGUARD MSCI EMERGING MARKETS ETF 922042858 862 19361 SH SOLE 9161 0 10200
VANGUARD MSCI EMERGING MARKETS ETF 922042858 241 5408 SH DEFINED 5408 0 0
VANGUARD SCOTTSDALE FDS SHRT-TERM CORP 92206C409 2682 33400 SH SOLE 33400 0 0
VANGUARD SCOTTSDALE FDS SHRT-TERM CORP 92206C409 474 5900 SH DEFINED 5900 0 0
VANGUARD INDEX FDS REIT ETF 922908553 1354 20575 SH SOLE 20575 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 15 200 SH SOLE 200 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 132 1602 SH SOLE 1602 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 150 1850 SH SOLE 1850 0 0
VERIZON COMMUNICATIONS COM 92343V104 3363 77729 SH SOLE 77251 0 478
VERIZON COMMUNICATIONS COM 92343V104 625 14454 SH DEFINED 14454 0 0
VIACOM INC NEW CL B 92553P201 13 250 SH SOLE 250 0 0
VISA INC COM CL A 92826C839 163 1075 SH SOLE 1075 0 0
VODAFONE GROUP PLC NEW SPONS ADR NEW 92857W209 7 297 SH DEFINED 297 0 0
VULCAN MATLS CO COM 929160109 130 2500 SH SOLE 2500 0 0
WGL HLDGS INC COM 92924F106 16 400 SH SOLE 400 0 0
WAL MART STORES INC COM 931142103 2365 34667 SH SOLE 34589 0 78
WAL MART STORES INC COM 931142103 440 6448 SH DEFINED 6448 0 0
WALGREEN CO COM 931422109 435 11750 SH SOLE 11500 0 250
WALGREEN CO COM 931422109 7 200 SH DEFINED 200 0 0
WASHINGTON REAL ESTATE INVT SH BEN INT 939653101 10 400 SH SOLE 400 0 0
WASTE MGMT INC DEL COM 94106L109 13 400 SH SOLE 400 0 0
WASTE MGMT INC DEL COM 94106L109 16 475 SH DEFINED 475 0 0
WELLPOINT INC COM 94973V107 294 4820 SH SOLE 4820 0 0
WELLPOINT INC COM 94973V107 12 200 SH DEFINED 200 0 0
WELLS FARGO & CO NEW COM 949746101 764 22366 SH SOLE 22366 0 0
WELLS FARGO & CO NEW COM 949746101 7 200 SH DEFINED 200 0 0
WESTERN ASSET MANAGED MUNI 95766M105 38 2673 SOLE 2673 0 0
WILLIAMS COS INC DEL COM 969457100 37 1145 SH SOLE 965 0 180
WISCONSIN ENERGY CORP COM 976657106 171 4650 SH SOLE 4650 0 0
WISDOMTREE EQUITY INC FUND 97717W208 358 7825 SH SOLE 7825 0 0
WISDOMTREE TRUST EMERG MKTS ETF 97717W315 1169 20450 SH SOLE 10050 0 10400
WISDOMTREE TRUST INTL MIDCAP DV 97717W778 235 4675 SH SOLE 3450 0 1225
WISDOMTREE TRUST INTL DV TOP100 97717W786 67 1600 SH SOLE 200 0 1400
WISDOMTREE TR EM LCL DEBT FD 97717X867 2487 46525 SH SOLE 46225 0 300
WPX ENERGY INC COM 98212B103 1 100 SH SOLE 100 0 0
YAMANA GOLD INC COM 98462Y100 7 400 SH DEFINED 400 0 0
YUM BRANDS INC 988498101 54 820 SH SOLE 820 0 0
ZIMMER HLDGS INC COM 98956P102 87 1300 SH SOLE 1300 0 0
GRAND TOTALS 379277 7996404 7666643 0 329761