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
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KRAFT FOODS INC COM 50075N104 830 22211 SH DEFINED 2 22211
KRAFT FOODS INC COM 50075N104 1121 30000 SH DEFINED 3 30000
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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
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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
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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
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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
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MONSANTO CO NEW COM 61166W101 101 1440 SH DEFINED 2 1440
MONSANTO CO NEW COM 61166W101 21 300 SH OTHER 2 300
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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
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NATIONAL OIL WELL VARCO INC COM 637071101 134 1975 SH DEFINED 2 1975
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NFJ COM 65337H109 18 1128 SH DEFINED 2 1128
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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
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NORDSTROM INC COM 655664100 274 5510 SH DEFINED 2 5510
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NUVEEN EXC 67066V101 17 1167 SH DEFINED 2 1167
NUVEEN EXC 67070A101 5 360 SH DEFINED 2 360
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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
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PALL CORP COM 696429307 6 100 SH DEFINED 2 100
PARKER-HANNIFIN COM 701094104 15 200 SH DEFINED 2 200
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PFIZER INC COM 717081103 541 25000 SH DEFINED 3 25000
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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
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T ROWE PRICE COM 74144T108 1217 21369 SH DEFINED 2 21369
T ROWE PRICE COM 74144T108 954 16750 SH DEFINED 3 16750
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PROCTER & GAMBLE CO COM 742718109 2035 30500 SH DEFINED 3 30500
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PROGRESS ENERGY INC COM 743263105 79 1410 SH DEFINED 2 1410
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PRUDENTIAL FINANCIAL COM 744320102 451 9000 SH DEFINED 3 9000
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QUEST DIAGNOSTICS INC COM 74834L100 75 1300 SH OTHER 2 1300
REPSOL YPF SA COM 76026T205 3 100 SH OTHER 2 100
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SPDR EXC 78464A730 22 415 SH DEFINED 2 415
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SECTOR SPDR TR FUND EXC 81369Y209 45 1300 SH DEFINED 2 1300
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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
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SECTOR SPDR TR FUND EXC 81369Y803 83 3255 SH DEFINED 2 3255
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SMUCKER (J.M.) COM 832696405 4 50 SH OTHER 2 50
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SOUTHERN CO COM 842587107 9 200 SH OTHER 200
SOUTHERN CO COM 842587107 78 1675 SH OTHER 2 1675
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STAPLES INCORPORATED COM 855030102 1 75 SH DEFINED 2 75
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STARBUCKS CORP COM 855244109 345 7500 SH DEFINED 3 7500
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STRYKER CORP COM 863667101 26 525 SH DEFINED 2 525
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TJX COMPANIES COM 872540109 6 100 SH OTHER 100
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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
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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
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TIME WARNER INC NEW COM 887317303 54 1500 SH SOLE 1500
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TORONTO-DOMINION BANK COM 891160509 755 10095 SH DEFINED 2 10095
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TRUSTCO BANK CORP COM 898349105 42 7500 SH SOLE 7500
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VISA INC. COM 92826C839 48 475 SH SOLE 475
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VISA INC. COM 92826C839 1015 10000 SH DEFINED 3 10000
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WALGREEN CO COM 931422109 463 14000 SH DEFINED 3 14000
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WATSON PHARMACEUTICALS INC. COM 942683103 845 14000 SH DEFINED 3 14000
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WELLS FARGO CO COM 949746101 918 33317 SH DEFINED 2 33317
WELLS FARGO CO COM 949746101 17 600 SH OTHER 600
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WINDSTREAM CORP COM 97381W104 27 2326 SH DEFINED 2 2326
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ACCENTURE PLC COM G1151C101 798 15000 SH DEFINED 3 15000
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TRANSOCEAN LTD COM H8817H100 11 282 SH DEFINED 2 282
TRANSOCEAN LTD COM H8817H100 24 618 SH OTHER 2 618