UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F
FORM 13F COVER PAGE
Report for the Calendar Year or Quarter Ended: 12/31/2007
Check here if Amendment [ ] Amendment Number:
This Amendment [ ] is a restatement
[ ] adds new holding entries
Institutional Investment Manager Filing this Report:
Name: ARROW FINANCIAL CORP.
Address: 250 GLEN STREET
GLENS FALLS, NY 12801
13F File Number: 28-12533
The institutional investment Manager filing this report and the
person by whom it is signed hereby represent that the person signing
the report is authorized to submit it, that all
information contained herein is true, correct and complete, and
that it is understood that all required items, statements,
schedules, lists, and tables, are considered integral parts of
this form.
Person Signing this Report on Behalf of Reporting Manager:
Name: TERRY R. GOODEMOTE
Title: SENIOR VICE PRESIDENT & CHIEF FINANCIAL OFFICER
Phone: (518)745-1000 ext. 512
Signature, Place, and Date of Signing:
TERRY R. GOODEMOTE GLENS FALLS, NEW YORK 01/24/2008
Report Type (Check only one)
[X] 13F HOLDINGS REPORT
[ ] 13F NOTICE
[ ] 13F COMBINATION REPORT
FORM 13F SUMMARY PAGE
Report Summary:
Number of Other Included Managers: 2
Form 13F Information Table Entry Total: 676
Form 13F Information Table Value Total: $ 310,515
List of Other Included Managers:
No. 13F File Number Name
2 28-03696 GLENS FALLS NATIONAL BANK
3 28-12534 NORTH COUNTRY INV. ADVISERS, INC.
FORM 13F INFORMATION TABLE
TITLE VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER OF CLASS CUSIP (X $1000) PRN AMOUNTPRN CALL DISCRTN MANAGERS SOLE SHARED NONE
AFLAC INCORPORATED COM 001055102 6 100 SH OTHER 100
AFLAC INCORPORATED COM 001055102 69 1100 SH DEFINED 2 1100
AFLAC INCORPORATED COM 001055102 81 1300 SH OTHER 2 1300
AT&T INC COM 00206R102 96 2300 SH SOLE 2300
AT&T INC COM 00206R102 74 1775 SH OTHER 1775
AT&T INC COM 00206R102 2047 49243 SH DEFINED 2 49243
AT&T INC COM 00206R102 899 21627 SH OTHER 2 21627
AT&T INC COM 00206R102 2660 64000 SH DEFINED 3 64000
ABBOTT LABORATORIES COM 002824100 95 1700 SH SOLE 1700
ABBOTT LABORATORIES COM 002824100 53 950 SH OTHER 950
ABBOTT LABORATORIES COM 002824100 1990 35441 SH DEFINED 2 35441
ABBOTT LABORATORIES COM 002824100 438 7795 SH OTHER 2 7795
ABBOTT LABORATORIES COM 002824100 2246 40000 SH DEFINED 3 40000
ADOBE SYSTEMS COM 00724F101 21 500 SH SOLE 500
ADOBE SYSTEMS COM 00724F101 600 14050 SH DEFINED 2 14050
ADOBE SYSTEMS COM 00724F101 1624 38000 SH DEFINED 3 38000
AGNICO EAGLE MINES LTD COM 008474108 82 1500 SH DEFINED 2 1500
AIR PRODUCTS & CHEMICALS INC COM 009158106 35 350 SH SOLE 350
AIR PRODUCTS & CHEMICALS INC COM 009158106 548 5559 SH DEFINED 2 5559
AIR PRODUCTS & CHEMICALS INC COM 009158106 212 2150 SH OTHER 2 2150
AIR PRODUCTS & CHEMICALS INC COM 009158106 1430 14500 SH DEFINED 3 14500
ALCOA INC COM 013817101 11 310 SH SOLE 310
ALCOA INC COM 013817101 607 16616 SH DEFINED 2 16616
ALCOA INC COM 013817101 37 1025 SH OTHER 2 1025
ALCATEL-LUCENT COM 013904305 4 550 SH DEFINED 2 550
ALTRIA GROUP INC COM 02209S103 38 500 SH SOLE 500
ALTRIA GROUP INC COM 02209S103 2318 30666 SH OTHER 2 30666
AMERICAN ELECTRIC POWER CO COM 025537101 35 760 SH DEFINED 2 760
AMERICAN EXPRESS CO COM 025816109 87 1665 SH SOLE 1665
AMERICAN EXPRESS CO COM 025816109 36 700 SH OTHER 700
AMERICAN EXPRESS CO COM 025816109 1677 32247 SH DEFINED 2 32247
AMERICAN EXPRESS CO COM 025816109 511 9815 SH OTHER 2 9815
AMERICAN EXPRESS CO COM 025816109 2081 40000 SH DEFINED 3 40000
AMER INTL GROUP INC COM 026874107 9 150 SH OTHER 150
AMER INTL GROUP INC COM 026874107 228 3903 SH DEFINED 2 3903
AMER INTL GROUP INC COM 026874107 273 4687 SH OTHER 2 4687
AMERIPRISE FINL INC COM 03076C106 6 100 SH DEFINED 2 100
AMGEN INC COM 031162100 7 150 SH OTHER 150
AMGEN INC COM 031162100 99 2136 SH DEFINED 2 2136
AMGEN INC COM 031162100 21 450 SH OTHER 2 450
ANALOG DEVICES, INC. COM 032654105 42 1325 SH DEFINED 2 1325
ANGIODYNAMICS INC COM 03475V101 31 1650 SH DEFINED 2 1650
ANHEUSER BUSCH CO COM 035229103 34 650 SH SOLE 650
ANHEUSER BUSCH CO COM 035229103 650 12416 SH DEFINED 2 12416
ANHEUSER BUSCH CO COM 035229103 1037 19809 SH OTHER 2 19809
APACHE CORP COM 037411105 107 996 SH DEFINED 2 996
APACHE CORP COM 037411105 5 50 SH OTHER 2 50
APPLE INC COM 037833100 117 590 SH SOLE 590
APPLE INC COM 037833100 1773 8952 SH DEFINED 2 8952
APPLE INC COM 037833100 431 2175 SH OTHER 2 2175
APPLE INC COM 037833100 2971 15000 SH DEFINED 3 15000
APPLIED MATERIALS INC COM 038222105 32 1800 SH DEFINED 2 1800
APPLIED MATERIALS INC COM 038222105 2 100 SH OTHER 2 100
AQUA AMER INC COM 03836W103 4 200 SH DEFINED 2 200
AQUA AMER INC COM 03836W103 31 1465 SH OTHER 2 1465
AQUA AMER INC COM 03836W103 367 17333 SH DEFINED 3 17333
ARCH COAL INC COM 039380100 45 1000 SH OTHER 2 1000
ARMSTRONG COM 04247X102 6 148 SH DEFINED 2 148
ARROW COM 042744102 3 154 SH SOLE 154
ARROW COM 042744102 27208 1266097 SH DEFINED 2 1266097
ARROW COM 042744102 569 26484 SH OTHER 2 26484
AUTOMATIC DATA PROCESSING COM 053015103 42 945 SH SOLE 945
AUTOMATIC DATA PROCESSING COM 053015103 45 1000 SH OTHER 1000
AUTOMATIC DATA PROCESSING COM 053015103 715 16062 SH DEFINED 2 16062
AUTOMATIC DATA PROCESSING COM 053015103 384 8630 SH OTHER 2 8630
AUTOMATIC DATA PROCESSING COM 053015103 1336 30000 SH DEFINED 3 30000
AVON PRODUCTS INC COM 054303102 16 400 SH OTHER 2 400
BJ SERVICES CO. COM 055482103 2 80 SH OTHER 2 80
BP PLC COM 055622104 22 300 SH SOLE 300
BP PLC COM 055622104 475 6485 SH DEFINED 2 6485
BP PLC COM 055622104 1464 20004 SH OTHER 2 20004
BAKER HUGHES INC COM 057224107 24 300 SH OTHER 300
BAKER HUGHES INC COM 057224107 251 3100 SH DEFINED 2 3100
BAKER HUGHES INC COM 057224107 109 1350 SH OTHER 2 1350
BAKER HUGHES INC COM 057224107 2109 26000 SH DEFINED 3 26000
BANK OF AMERICA CORP COM 060505104 72 1750 SH SOLE 1750
BANK OF AMERICA CORP COM 060505104 25 600 SH OTHER 600
BANK OF AMERICA CORP COM 060505104 1370 33208 SH DEFINED 2 33208
BANK OF AMERICA CORP COM 060505104 391 9475 SH OTHER 2 9475
BANK OF AMERICA CORP COM 060505104 1403 34000 SH DEFINED 3 34000
BANK OF NEW YORK MELLON CORP COM 064058100 45 917 SH SOLE 917
BANK OF NEW YORK MELLON CORP COM 064058100 39 801 SH OTHER 801
BANK OF NEW YORK MELLON CORP COM 064058100 1123 23029 SH DEFINED 2 23029
BANK OF NEW YORK MELLON CORP COM 064058100 244 5005 SH OTHER 2 5005
BANK OF NEW YORK MELLON CORP COM 064058100 2576 52830 SH DEFINED 3 52830
BARRICK GOLD COM 067901108 21 500 SH DEFINED 2 500
BAXTER INTL INC COM 071813109 41 710 SH SOLE 710
BAXTER INTL INC COM 071813109 52 900 SH OTHER 900
BAXTER INTL INC COM 071813109 1104 19010 SH DEFINED 2 19010
BAXTER INTL INC COM 071813109 390 6713 SH OTHER 2 6713
BAXTER INTL INC COM 071813109 2264 39000 SH DEFINED 3 39000
BECTON DICKINSON CO COM 075887109 4 50 SH OTHER 2 50
BERKSHIRE HATHAWAY INC COM 084670207 9 2 SH DEFINED 2 2
BEST BUY CO COM 086516101 102 1937 SH DEFINED 2 1937
BEST BUY CO COM 086516101 139 2649 SH OTHER 2 2649
BHP BILLITON COM 088606108 56 800 SH DEFINED 2 800
BLACKROCK MUT 09254F100 18 1325 SH DEFINED 2 1325
BOEING COMPANY COM 097023105 11 125 SH DEFINED 2 125
BOSTON SCIENTIFIC CORP COM 101137107 3 265 SH DEFINED 2 265
BRINKER INT'L COM 109641100 3 150 SH DEFINED 2 150
BRISTOL MYERS SQUIBB COM 110122108 151 5700 SH DEFINED 2 5700
BRISTOL MYERS SQUIBB COM 110122108 27 1000 SH OTHER 2 1000
BROADRIDGE FINANCIAL SOLUTIONS COM 11133T103 22 1000 SH OTHER 2 1000
BROWN FOREMAN DISTILLERS CORP COM 115637100 32 432 SH DEFINED 2 432
BROWN FOREMAN DISTILLERS CORP COM 115637209 30 402 SH DEFINED 2 402
BURLINGTON NORTHERN COM 12189T104 25 300 SH SOLE 300
BURLINGTON NORTHERN COM 12189T104 332 3985 SH DEFINED 2 3985
BURLINGTON NORTHERN COM 12189T104 1248 15000 SH DEFINED 3 15000
CIT GROUP COM 125581108 2 100 SH SOLE 100
CIT GROUP COM 125581108 53 2200 SH DEFINED 2 2200
CIT GROUP COM 125581108 769 32000 SH DEFINED 3 32000
CVS/CAREMARK CORP COM 126650100 20 500 SH SOLE 500
CVS/CAREMARK CORP COM 126650100 602 15150 SH DEFINED 2 15150
CVS/CAREMARK CORP COM 126650100 6 150 SH OTHER 2 150
CAMPBELL SOUP COM 134429109 3 80 SH OTHER 2 80
CARNIVAL COM 143658300 128 2867 SH DEFINED 2 2867
CASELLA WASTE SYSTEMS INC COM 147448104 46 3500 SH DEFINED 2 3500
CATERPILLAR INC COM 149123101 18 250 SH DEFINED 2 250
CATERPILLAR INC COM 149123101 53 725 SH OTHER 2 725
CENTRAL FUND OF CANADA COM 153501101 54 5000 SH DEFINED 2 5000
CERNER CORP COM 156782104 23 400 SH DEFINED 2 400
CHESAPEAKE ENERGY COM 165167107 8 200 SH DEFINED 2 200
CHEVRON CORPORATION COM 166764100 144 1547 SH SOLE 1547
CHEVRON CORPORATION COM 166764100 110 1175 SH OTHER 1175
CHEVRON CORPORATION COM 166764100 1972 21131 SH DEFINED 2 21131
CHEVRON CORPORATION COM 166764100 903 9671 SH OTHER 2 9671
CHEVRON CORPORATION COM 166764100 1213 13000 SH DEFINED 3 13000
CHUBB CORP COM 171232101 16 300 SH SOLE 300
CISCO SYSTEMS COM 17275R102 102 3775 SH SOLE 3775
CISCO SYSTEMS COM 17275R102 5 200 SH OTHER 200
CISCO SYSTEMS COM 17275R102 1847 68241 SH DEFINED 2 68241
CISCO SYSTEMS COM 17275R102 592 21875 SH OTHER 2 21875
CISCO SYSTEMS COM 17275R102 2328 86000 SH DEFINED 3 86000
CITADEL BROADCASTING CORP COM 17285T106 0 41 SH OTHER 2 41
CITIGROUP INC COM 172967101 57 1950 SH SOLE 1950
CITIGROUP INC COM 172967101 23 775 SH OTHER 775
CITIGROUP INC COM 172967101 959 32573 SH DEFINED 2 32573
CITIGROUP INC COM 172967101 404 13725 SH OTHER 2 13725
CITIGROUP INC COM 172967101 1016 34500 SH DEFINED 3 34500
CLOROX CO COM 189054109 3 50 SH DEFINED 2 50
COCA COLA CO. COM 191216100 47 764 SH DEFINED 2 764
COCA COLA CO. COM 191216100 58 950 SH OTHER 2 950
COEUR D ALENE MINES CORP IDAHO COM 192108108 10 2000 SH DEFINED 2 2000
COGNIZANT TECH SOLUTIONS COM 192446102 34 1000 SH DEFINED 2 1000
COLGATE-PALMOLIVE CO COM 194162103 39 500 SH SOLE 500
COLGATE-PALMOLIVE CO COM 194162103 55 700 SH OTHER 700
COLGATE-PALMOLIVE CO COM 194162103 1163 14920 SH DEFINED 2 14920
COLGATE-PALMOLIVE CO COM 194162103 407 5225 SH OTHER 2 5225
COLGATE-PALMOLIVE CO COM 194162103 1715 22000 SH DEFINED 3 22000
COMCAST CORP NEW COM 20030N101 23 1250 SH SOLE 1250
COMCAST CORP NEW COM 20030N101 170 9325 SH DEFINED 2 9325
COMCAST CORP NEW COM 20030N101 7 375 SH OTHER 2 375
COMMUNITY BANK SYSTEMS INC COM 203607106 20 1000 SH SOLE 1000
CONAGRA COM 205887102 2 100 SH DEFINED 2 100
CONNECTICUT WATER SERVICE INC COM 207797101 5 200 SH OTHER 2 200
CONOCOPHILLIPS COM 20825C104 65 740 SH SOLE 740
CONOCOPHILLIPS COM 20825C104 1047 11856 SH DEFINED 2 11856
CONOCOPHILLIPS COM 20825C104 259 2934 SH OTHER 2 2934
CONOCOPHILLIPS COM 20825C104 1236 14000 SH DEFINED 3 14000
CONSTELLATION ENERGY GROUP INC COM 210371100 10 100 SH DEFINED 2 100
CORNING INC COM 219350105 41 1700 SH SOLE 1700
CORNING INC COM 219350105 12 500 SH OTHER 500
CORNING INC COM 219350105 901 37550 SH DEFINED 2 37550
CORNING INC COM 219350105 152 6350 SH OTHER 2 6350
CORNING INC COM 219350105 2591 108000 SH DEFINED 3 108000
COSTCO WHOLESALE CORP NEW COM 22160K105 42 600 SH SOLE 600
COSTCO WHOLESALE CORP NEW COM 22160K105 283 4050 SH DEFINED 2 4050
COSTCO WHOLESALE CORP NEW COM 22160K105 87 1250 SH OTHER 2 1250
COSTCO WHOLESALE CORP NEW COM 22160K105 1953 28000 SH DEFINED 3 28000
DTE ENERGY CO. COM 233331107 9 199 SH DEFINED 2 199
DANAHER CORP COM 235851102 81 925 SH SOLE 925
DANAHER CORP COM 235851102 35 400 SH OTHER 400
DANAHER CORP COM 235851102 1917 21845 SH DEFINED 2 21845
DANAHER CORP COM 235851102 239 2725 SH OTHER 2 2725
DARDEN RESTAURANTS INC COM 237194105 7 260 SH DEFINED 2 260
DEERE & CO COM 244199105 37 400 SH DEFINED 2 400
DENISON COM 248356107 9 1000 SH DEFINED 2 1000
DENTSPLY INTL COM 249030107 45 1000 SH DEFINED 2 1000
DENTSPLY INTL COM 249030107 34 750 SH OTHER 2 750
WALT DISNEY COMPANY COM 254687106 55 1700 SH SOLE 1700
WALT DISNEY COMPANY COM 254687106 903 27975 SH DEFINED 2 27975
WALT DISNEY COMPANY COM 254687106 482 14925 SH OTHER 2 14925
WALT DISNEY COMPANY COM 254687106 1130 35000 SH DEFINED 3 35000
DOLLAR TREE STORES COM 256747106 68 2630 SH DEFINED 2 2630
DOMINION RES INC VA NEW COM 25746U109 65 1360 SH SOLE 1360
DOMINION RES INC VA NEW COM 25746U109 24 500 SH OTHER 500
DOMINION RES INC VA NEW COM 25746U109 1253 26406 SH DEFINED 2 26406
DOMINION RES INC VA NEW COM 25746U109 287 6050 SH OTHER 2 6050
DOMINION RES INC VA NEW COM 25746U109 759 16000 SH DEFINED 3 16000
DOVER CORP COM 260003108 5 100 SH SOLE 100
DOVER CORP COM 260003108 65 1400 SH DEFINED 2 1400
DOVER CORP COM 260003108 10 225 SH OTHER 2 225
DOW CHEMICAL CO COM 260543103 16 400 SH OTHER 400
DOW CHEMICAL CO COM 260543103 49 1250 SH OTHER 2 1250
EI DUPONT DE NEMOURS & CO COM 263534109 15 350 SH SOLE 350
EI DUPONT DE NEMOURS & CO COM 263534109 14 325 SH OTHER 325
EI DUPONT DE NEMOURS & CO COM 263534109 290 6575 SH DEFINED 2 6575
EI DUPONT DE NEMOURS & CO COM 263534109 132 3000 SH OTHER 2 3000
DUKE ENERGY HLDG CORP COM 26441C105 29 1446 SH DEFINED 2 1446
EMC CORP COM 268648102 2 100 SH DEFINED 2 100
EAST WEST BANCORP COM 27579R104 12 500 SH OTHER 2 500
EATON CORP COM 278058102 19 200 SH SOLE 200
EATON CORP COM 278058102 175 1800 SH OTHER 2 1800
EBAY INC COM 278642103 3 100 SH OTHER 2 100
ECOLAB INC COM 278865100 10 200 SH SOLE 200
ECOLAB INC COM 278865100 488 9525 SH DEFINED 2 9525
ECOLAB INC COM 278865100 229 4475 SH OTHER 2 4475
ECOLAB INC COM 278865100 1152 22500 SH DEFINED 3 22500
EDWARD LIFESCIENCES CORP COM 28176E108 9 200 SH DEFINED 2 200
ELECTRONIC ARTS INC COM 285512109 4 60 SH OTHER 2 60
ELECTRONIC DATA SYSTEMS COM 285661104 0 8 SH SOLE 8
EMERSON ELECTRIC CO COM 291011104 40 700 SH SOLE 700
EMERSON ELECTRIC CO COM 291011104 11 200 SH OTHER 200
EMERSON ELECTRIC CO COM 291011104 949 16755 SH DEFINED 2 16755
EMERSON ELECTRIC CO COM 291011104 286 5050 SH OTHER 2 5050
EMERSON ELECTRIC CO COM 291011104 1247 22000 SH DEFINED 3 22000
ENCANA CORP COM 292505104 34 500 SH DEFINED 2 500
ENCANA CORP COM 292505104 95 1400 SH OTHER 2 1400
ENERPLUS RES FD UTS COM 29274D604 32 800 SH DEFINED 2 800
EXELON CORP COM 30161N101 27 330 SH SOLE 330
EXELON CORP COM 30161N101 16 200 SH OTHER 200
EXELON CORP COM 30161N101 559 6845 SH DEFINED 2 6845
EXELON CORP COM 30161N101 24 300 SH OTHER 2 300
EXELON CORP COM 30161N101 653 8000 SH DEFINED 3 8000
EXXON MOBIL CORP COM 30231G102 316 3370 SH SOLE 3370
EXXON MOBIL CORP COM 30231G102 185 1975 SH OTHER 1975
EXXON MOBIL CORP COM 30231G102 7514 80200 SH DEFINED 2 80200
EXXON MOBIL CORP COM 30231G102 2770 29565 SH OTHER 2 29565
EXXON MOBIL CORP COM 30231G102 1827 19500 SH DEFINED 3 19500
FPL GROUP INC COM 302571104 88 1300 SH DEFINED 2 1300
FAMILY DOLLAR STORES COM 307000109 2 100 SH DEFINED 2 100
FED HOME LOAN MORT CORP COM 313400301 4 116 SH DEFINED 2 116
FED NATL MORT ASSOC COM 313586109 22 560 SH DEFINED 2 560
FED NATL MORT ASSOC COM 313586109 28 700 SH OTHER 2 700
FEDEX CORPORATION COM 31428X106 45 500 SH DEFINED 2 500
FIFTH THIRD BANCORP COM 316773100 25 1000 SH OTHER 2 1000
FINANCIAL INSTITUTIONS INC COM 317585404 2 100 SH OTHER 2 100
FIRST MARBLEHEAD CORP COM 320771108 11 750 SH OTHER 2 750
FIRST NIAGARA COM 33582V108 205 17000 SH SOLE 17000
FORD MOTOR CO COM 345370860 7 1000 SH DEFINED 2 1000
FORDING CANADIAN COAL COM 345425102 12 300 SH DEFINED 2 300
FORTUNE BRANDS INC COM 349631101 58 800 SH DEFINED 2 800
FRANKLIN RESOURCES COM 354613101 47 415 SH SOLE 415
FRANKLIN RESOURCES COM 354613101 605 5290 SH DEFINED 2 5290
FRANKLIN RESOURCES COM 354613101 69 600 SH OTHER 2 600
FRANKLIN RESOURCES COM 354613101 1488 13000 SH DEFINED 3 13000
GENERAL DYNAMICS COM 369550108 22 250 SH SOLE 250
GENERAL DYNAMICS COM 369550108 36 400 SH OTHER 400
GENERAL DYNAMICS COM 369550108 585 6575 SH DEFINED 2 6575
GENERAL DYNAMICS COM 369550108 204 2290 SH OTHER 2 2290
GENERAL DYNAMICS COM 369550108 1246 14000 SH DEFINED 3 14000
GENERAL ELECTRIC CO COM 369604103 146 3951 SH SOLE 3951
GENERAL ELECTRIC CO COM 369604103 111 3000 SH OTHER 3000
GENERAL ELECTRIC CO COM 369604103 5293 142774 SH DEFINED 2 142774
GENERAL ELECTRIC CO COM 369604103 3524 95057 SH OTHER 2 95057
GENERAL ELECTRIC CO COM 369604103 2224 60000 SH DEFINED 3 60000
GENERAL MILLS INC COM 370334104 46 800 SH OTHER 800
GENERAL MILLS INC COM 370334104 249 4375 SH DEFINED 2 4375
GENERAL MILLS INC COM 370334104 174 3050 SH OTHER 2 3050
GENERAL MILLS INC COM 370334104 1499 26300 SH DEFINED 3 26300
GENERAL MOTORS CORP COM 370442105 3 102 SH SOLE 102
GENUINE PARTS CO COM 372460105 7 150 SH OTHER 2 150
GENWORTH FINL COM 37247D106 3 100 SH SOLE 100
GENWORTH FINL COM 37247D106 81 3200 SH DEFINED 2 3200
GENWORTH FINL COM 37247D106 150 5900 SH OTHER 2 5900
GENWORTH FINL COM 37247D106 1196 47000 SH DEFINED 3 47000
GLAXO COM 37733W105 38 750 SH SOLE 750
GLAXO COM 37733W105 20 400 SH OTHER 400
GLAXO COM 37733W105 437 8664 SH DEFINED 2 8664
GLAXO COM 37733W105 97 1925 SH OTHER 2 1925
GOL LINHAS AEREAS INTEL COM 38045R107 0 33 SH DEFINED 2 33
GOLDCORP INC COM 380956409 166 4880 SH DEFINED 2 4880
GOLDMAN SACHS GROUP COM 38141G104 75 350 SH SOLE 350
GOLDMAN SACHS GROUP COM 38141G104 48 225 SH OTHER 225
GOLDMAN SACHS GROUP COM 38141G104 1159 5390 SH DEFINED 2 5390
GOLDMAN SACHS GROUP COM 38141G104 258 1200 SH OTHER 2 1200
GOLDMAN SACHS GROUP COM 38141G104 1935 9000 SH DEFINED 3 9000
GOOGLE INC COM 38259P508 7 10 SH DEFINED 2 10
GREENBRIER COMPANIES COM 393657101 4 200 SH DEFINED 2 200
HARLEY DAVIDSON INC COM 412822108 16 350 SH SOLE 350
HARLEY DAVIDSON INC COM 412822108 326 6986 SH DEFINED 2 6986
HARLEY DAVIDSON INC COM 412822108 146 3132 SH OTHER 2 3132
HARLEY DAVIDSON INC COM 412822108 738 15800 SH DEFINED 3 15800
HARSCO COM 415864107 47 732 SH DEFINED 2 732
HARTFORD FINL SVCS GROUP INC. COM 416515104 77 880 SH SOLE 880
HARTFORD FINL SVCS GROUP INC. COM 416515104 31 350 SH OTHER 350
HARTFORD FINL SVCS GROUP INC. COM 416515104 1383 15863 SH DEFINED 2 15863
HARTFORD FINL SVCS GROUP INC. COM 416515104 318 3650 SH OTHER 2 3650
HARTFORD FINL SVCS GROUP INC. COM 416515104 1308 15000 SH DEFINED 3 15000
H J HEINZ CO COM 423074103 61 1300 SH DEFINED 2 1300
H J HEINZ CO COM 423074103 668 14300 SH OTHER 2 14300
HEWLETT PACKARD CO COM 428236103 93 1835 SH SOLE 1835
HEWLETT PACKARD CO COM 428236103 71 1400 SH OTHER 1400
HEWLETT PACKARD CO COM 428236103 1871 37072 SH DEFINED 2 37072
HEWLETT PACKARD CO COM 428236103 1776 35176 SH OTHER 2 35176
HEWLETT PACKARD CO COM 428236103 1514 30000 SH DEFINED 3 30000
HOLOGIC INC COM 436440101 59 860 SH DEFINED 2 860
HOME DEPOT, INC COM 437076102 5 175 SH SOLE 175
HOME DEPOT, INC COM 437076102 3 100 SH OTHER 100
HOME DEPOT, INC COM 437076102 145 5390 SH DEFINED 2 5390
HOME DEPOT, INC COM 437076102 139 5150 SH OTHER 2 5150
HONDA MOTOR LTD COM 438128308 1 35 SH DEFINED 2 35
HONEYWELL INTL COM 438516106 12 200 SH OTHER 2 200
HOSPIRA INC COM 441060100 12 275 SH OTHER 2 275
HOST HOTELS & RESORTS INC COM 44107P104 0 4 SH SOLE 4
INTERACTIVECORP COM 44919P300 2 57 SH DEFINED 2 57
ITT CORP COM 450911102 56 855 SH SOLE 855
ITT CORP COM 450911102 40 600 SH OTHER 600
ITT CORP COM 450911102 1085 16425 SH DEFINED 2 16425
ITT CORP COM 450911102 244 3700 SH OTHER 2 3700
ITT CORP COM 450911102 1321 20000 SH DEFINED 3 20000
IDEARC INC. COM 451663108 0 8 SH SOLE 8
IDEARC INC. COM 451663108 5 269 SH OTHER 2 269
ILLINOIS TOOL WORKS INC. COM 452308109 308 5760 SH DEFINED 2 5760
ILLINOIS TOOL WORKS INC. COM 452308109 86 1600 SH OTHER 2 1600
ILLINOIS TOOL WORKS INC. COM 452308109 1499 28000 SH DEFINED 3 28000
ING GROEP NV COM 456837103 1 30 SH DEFINED 2 30
INTEL CORP COM 458140100 19 700 SH OTHER 700
INTEL CORP COM 458140100 259 9705 SH DEFINED 2 9705
INTEL CORP COM 458140100 445 16700 SH OTHER 2 16700
INTL BUSINESS MACHINES COM 459200101 135 1253 SH SOLE 1253
INTL BUSINESS MACHINES COM 459200101 65 600 SH OTHER 600
INTL BUSINESS MACHINES COM 459200101 2145 19846 SH DEFINED 2 19846
INTL BUSINESS MACHINES COM 459200101 1320 12207 SH OTHER 2 12207
INTL BUSINESS MACHINES COM 459200101 1838 17000 SH DEFINED 3 17000
INTL GAME TECH COM 459902102 24 550 SH SOLE 550
INTL GAME TECH COM 459902102 9 200 SH OTHER 200
INTL GAME TECH COM 459902102 119 2700 SH DEFINED 2 2700
INTL GAME TECH COM 459902102 1186 27000 SH DEFINED 3 27000
INTERNATIONAL PAPER CO COM 460146103 12 376 SH DEFINED 2 376
BANK OF IRELAND ADR COM 46267Q103 1 20 SH DEFINED 2 20
ISHARES EXC 464285105 82 1000 SH DEFINED 2 1000
ISHARES EXC 464287234 48 318 SH DEFINED 2 318
ISHARES EXC 46428Q109 59 400 SH DEFINED 2 400
ISHARES EXC 46428Q109 16 112 SH OTHER 2 112
JDS UNIPHASE CORP COM 46612J507 0 25 SH OTHER 2 25
JPMORGAN CHASE & CO COM 46625H100 16 374 SH SOLE 374
JPMORGAN CHASE & CO COM 46625H100 203 4643 SH DEFINED 2 4643
JPMORGAN CHASE & CO COM 46625H100 226 5186 SH OTHER 2 5186
JACOBS ENGINEERING GROUP INC. COM 469814107 172 1800 SH DEFINED 2 1800
JACOBS ENGINEERING GROUP INC. COM 469814107 366 3830 SH OTHER 2 3830
JOHNSON & JOHNSON COM 478160104 167 2509 SH SOLE 2509
JOHNSON & JOHNSON COM 478160104 47 700 SH OTHER 700
JOHNSON & JOHNSON COM 478160104 3399 50954 SH DEFINED 2 50954
JOHNSON & JOHNSON COM 478160104 3036 45515 SH OTHER 2 45515
JOHNSON & JOHNSON COM 478160104 1734 26000 SH DEFINED 3 26000
JOHNSON CONTROLS INC COM 478366107 38 1050 SH DEFINED 2 1050
JOS A BANK CLOTHIERS COM 480838101 285 10000 SH DEFINED 3 10000
KAYDON CORP COM 486587108 3 50 SH DEFINED 2 50
KELLOGG CO. COM 487836108 52 1000 SH SOLE 1000
KELLOGG CO. COM 487836108 724 13815 SH DEFINED 2 13815
KELLOGG CO. COM 487836108 207 3950 SH OTHER 2 3950
KELLOGG CO. COM 487836108 1940 37000 SH DEFINED 3 37000
KEYCORP COM 493267108 16 700 SH SOLE 700
KIMBERLY-CLARK CORP COM 494368103 15 215 SH DEFINED 2 215
KIMBERLY-CLARK CORP COM 494368103 3 50 SH OTHER 2 50
KOHL'S CORP (WISCONSIN) COM 500255104 2 50 SH DEFINED 2 50
KONINKLIJKE COM 500472303 1 35 SH DEFINED 2 35
KRAFT FOODS INC COM 50075N104 7 200 SH SOLE 200
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