UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F
FORM 13F COVER PAGE
Report for the Calendar Year or Quarter Ended: 03/31/2007
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 AND CHIEF FINANCIAL OFFICER
Phone: (518)745-1000 EXT. 512
Signature, Place, and Date of Signing:
S/ TERRY R. GOODEMOTE GLENS FALLS, NEW YORK 07/27/2007
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: 606
Form 13F Information Table Value Total: $ 294,761
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 DEFINED SHARED NONE
AFLAC INCORPORATED COM 001055102 68 1450 SH DEFINED 2 1450
AFLAC INCORPORATED COM 001055102 61 1300 SH OTHER 2 1300
AT&T INC COM 00206R102 69 1750 SH SOLE 1750
AT&T INC COM 00206R102 51 1300 SH OTHER 1300
AT&T INC COM 00206R102 1553 39386 SH DEFINED 2 39386
AT&T INC COM 00206R102 824 20909 SH OTHER 2 20909
AT&T INC COM 00206R102 2208 56000 SH DEFINED 3 56000
ABBOTT LABORATORIES COM 002824100 71 1275 SH SOLE 1275
ABBOTT LABORATORIES COM 002824100 53 950 SH OTHER 950
ABBOTT LABORATORIES COM 002824100 1738 31141 SH DEFINED 2 31141
ABBOTT LABORATORIES COM 002824100 435 7795 SH OTHER 2 7795
ABBOTT LABORATORIES COM 002824100 2232 40000 SH DEFINED 3 40000
ADOBE SYSTEMS COM 00724F101 11 275 SH SOLE 275
ADOBE SYSTEMS COM 00724F101 150 3600 SH DEFINED 2 3600
AIR PRODUCTS & CHEMICALS INC COM 009158106 187 2524 SH DEFINED 2 2524
AIR PRODUCTS & CHEMICALS INC COM 009158106 251 3400 SH OTHER 2 3400
AIR PRODUCTS & CHEMICALS INC COM 009158106 518 7000 SH DEFINED 3 7000
ALCOA INC COM 013817101 3 100 SH SOLE 100
ALCOA INC COM 013817101 332 9801 SH DEFINED 2 9801
ALCOA INC COM 013817101 41 1200 SH OTHER 2 1200
ALLSTATE CORP COM 020002101 12 200 SH DEFINED 2 200
ALLTEL CORP COM 020039103 147 2375 SH DEFINED 2 2375
ALLTEL CORP COM 020039103 59 950 SH OTHER 2 950
ALTRIA GROUP INC COM 02209S103 44 500 SH SOLE 500
ALTRIA GROUP INC COM 02209S103 145 1655 SH DEFINED 2 1655
ALTRIA GROUP INC COM 02209S103 2754 31366 SH OTHER 2 31366
AMERICAN ELECTRIC POWER CO COM 025537101 37 760 SH DEFINED 2 760
AMERICAN EXPRESS CO COM 025816109 62 1100 SH SOLE 1100
AMERICAN EXPRESS CO COM 025816109 39 700 SH OTHER 700
AMERICAN EXPRESS CO COM 025816109 1856 32900 SH DEFINED 2 32900
AMERICAN EXPRESS CO COM 025816109 728 12915 SH OTHER 2 12915
AMERICAN EXPRESS CO COM 025816109 2256 40000 SH DEFINED 3 40000
AMER INTL GROUP INC COM 026874107 10 150 SH OTHER 150
AMER INTL GROUP INC COM 026874107 357 5317 SH DEFINED 2 5317
AMER INTL GROUP INC COM 026874107 562 8357 SH OTHER 2 8357
AMERIPRISE FINL INC COM 03076C106 6 100 SH DEFINED 2 100
AMGEN INC COM 031162100 8 150 SH OTHER 150
AMGEN INC COM 031162100 124 2211 SH DEFINED 2 2211
AMGEN INC COM 031162100 251 4500 SH OTHER 2 4500
ANALOG DEVICES, INC. COM 032654105 12 350 SH SOLE 350
ANALOG DEVICES, INC. COM 032654105 124 3600 SH DEFINED 2 3600
ANHEUSER BUSCH CO COM 035229103 25 500 SH SOLE 500
ANHEUSER BUSCH CO COM 035229103 246 4880 SH DEFINED 2 4880
ANHEUSER BUSCH CO COM 035229103 1064 21089 SH OTHER 2 21089
APACHE CORP COM 037411105 101 1426 SH DEFINED 2 1426
APACHE CORP COM 037411105 74 1050 SH OTHER 2 1050
APPLE INC COM 037833100 23 250 SH SOLE 250
APPLE INC COM 037833100 836 9000 SH DEFINED 2 9000
APPLE INC COM 037833100 276 2975 SH OTHER 2 2975
APPLE INC COM 037833100 2323 25000 SH DEFINED 3 25000
APPLIED MATERIALS INC COM 038222105 4 200 SH DEFINED 2 200
APPLIED MATERIALS INC COM 038222105 2 100 SH OTHER 2 100
AQUA AMER INC COM 03836W103 9 400 SH OTHER 400
AQUA AMER INC COM 03836W103 7 333 SH DEFINED 2 333
AQUA AMER INC COM 03836W103 33 1465 SH OTHER 2 1465
AQUA AMER INC COM 03836W103 389 17333 SH DEFINED 3 17333
ARCH COAL INC COM 039380100 31 1000 SH OTHER 2 1000
ARCH COAL INC COM 039380100 706 23000 SH DEFINED 3 23000
ARMSTRONG COM 04247X102 7 146 SH DEFINED 2 146
ARROW COM 042744102 2 105 SH SOLE 105
ARROW COM 042744102 28622 1277754 SH DEFINED 2 1277754
ARROW COM 042744102 588 26231 SH OTHER 2 26231
AUTOMATIC DATA PROCESSING COM 053015103 46 945 SH SOLE 945
AUTOMATIC DATA PROCESSING COM 053015103 48 1000 SH OTHER 1000
AUTOMATIC DATA PROCESSING COM 053015103 1016 20982 SH DEFINED 2 20982
AUTOMATIC DATA PROCESSING COM 053015103 495 10230 SH OTHER 2 10230
AUTOMATIC DATA PROCESSING COM 053015103 1452 30000 SH DEFINED 3 30000
AVON PRODUCTS INC COM 054303102 15 400 SH OTHER 2 400
BCE INC COM 05534B760 104 3660 SH DEFINED 2 3660
BJ SERVICES CO. COM 055482103 16 575 SH OTHER 575
BJ SERVICES CO. COM 055482103 258 9250 SH DEFINED 2 9250
BJ SERVICES CO. COM 055482103 137 4905 SH OTHER 2 4905
BJ SERVICES CO. COM 055482103 977 35000 SH DEFINED 3 35000
BP PLC COM 055622104 32 500 SH SOLE 500
BP PLC COM 055622104 758 11700 SH DEFINED 2 11700
BP PLC COM 055622104 1451 22412 SH OTHER 2 22412
BAKER HUGHES INC COM 057224107 20 300 SH OTHER 300
BAKER HUGHES INC COM 057224107 298 4500 SH DEFINED 2 4500
BAKER HUGHES INC COM 057224107 89 1350 SH OTHER 2 1350
BAKER HUGHES INC COM 057224107 1719 26000 SH DEFINED 3 26000
BANK OF AMERICA CORP COM 060505104 71 1400 SH SOLE 1400
BANK OF AMERICA CORP COM 060505104 26 500 SH OTHER 500
BANK OF AMERICA CORP COM 060505104 1777 34832 SH DEFINED 2 34832
BANK OF AMERICA CORP COM 060505104 529 10375 SH OTHER 2 10375
BANK OF AMERICA CORP COM 060505104 2245 44000 SH DEFINED 3 44000
BANK OF NY CO INC COM 064057102 40 975 SH SOLE 975
BANK OF NY CO INC COM 064057102 34 850 SH OTHER 850
BANK OF NY CO INC COM 064057102 1029 25382 SH DEFINED 2 25382
BANK OF NY CO INC COM 064057102 371 9150 SH OTHER 2 9150
BANK OF NY CO INC COM 064057102 2271 56000 SH DEFINED 3 56000
BARRICK GOLD COM 067901108 14 500 SH DEFINED 2 500
BAXTER INTL INC COM 071813109 24 450 SH SOLE 450
BAXTER INTL INC COM 071813109 47 900 SH OTHER 900
BAXTER INTL INC COM 071813109 596 11325 SH DEFINED 2 11325
BAXTER INTL INC COM 071813109 325 6163 SH OTHER 2 6163
BAXTER INTL INC COM 071813109 2054 39000 SH DEFINED 3 39000
BECTON DICKINSON CO COM 075887109 4 50 SH OTHER 2 50
BEST BUY CO COM 086516101 222 4549 SH DEFINED 2 4549
BEST BUY CO COM 086516101 160 3274 SH OTHER 2 3274
BIG LOTS INC COM 089302103 3 100 SH DEFINED 2 100
BLACKROCK MUT 09254F100 19 1325 SH DEFINED 2 1325
BOEING COMPANY COM 097023105 18 200 SH DEFINED 2 200
BOSTON SCIENTIFIC CORP COM 101137107 4 265 SH DEFINED 2 265
BRINKER INT'L COM 109641100 16 475 SH DEFINED 2 475
BRISTOL MYERS SQUIBB COM 110122108 196 7061 SH DEFINED 2 7061
BRISTOL MYERS SQUIBB COM 110122108 69 2500 SH OTHER 2 2500
BROWN FOREMAN DISTILLERS CORP COM 115637100 30 432 SH DEFINED 2 432
BROWN FOREMAN DISTILLERS CORP COM 115637209 26 402 SH DEFINED 2 402
BURLINGTON NORTHERN COM 12189T104 4 50 SH SOLE 50
BURLINGTON NORTHERN COM 12189T104 233 2900 SH DEFINED 2 2900
BURLINGTON NORTHERN COM 12189T104 1206 15000 SH DEFINED 3 15000
CVS/CAREMARK CORP COM 126650100 14 400 SH SOLE 400
CVS/CAREMARK CORP COM 126650100 489 14325 SH DEFINED 2 14325
CAMPBELL SOUP COM 134429109 12 300 SH DEFINED 2 300
CAMPBELL SOUP COM 134429109 3 80 SH OTHER 2 80
CARNIVAL COM 143658300 134 2867 SH DEFINED 2 2867
CASELLA WASTE SYSTEMS INC COM 147448104 44 4500 SH DEFINED 2 4500
CATERPILLAR INC COM 149123101 17 250 SH DEFINED 2 250
CATERPILLAR INC COM 149123101 49 725 SH OTHER 2 725
CENTURYTEL INC COM 156700106 25 550 SH OTHER 2 550
CERNER CORP COM 156782104 22 400 SH DEFINED 2 400
CHESAPEAKE ENERGY COM 165167107 6 200 SH DEFINED 2 200
CHEVRON CORPORATION COM 166764100 111 1497 SH SOLE 1497
CHEVRON CORPORATION COM 166764100 87 1175 SH OTHER 1175
CHEVRON CORPORATION COM 166764100 1508 20390 SH DEFINED 2 20390
CHEVRON CORPORATION COM 166764100 715 9671 SH OTHER 2 9671
CHEVRON CORPORATION COM 166764100 961 13000 SH DEFINED 3 13000
CHUBB CORP COM 171232101 16 300 SH SOLE 300
CISCO SYSTEMS COM 17275R102 71 2775 SH SOLE 2775
CISCO SYSTEMS COM 17275R102 5 200 SH OTHER 200
CISCO SYSTEMS COM 17275R102 1711 67008 SH DEFINED 2 67008
CISCO SYSTEMS COM 17275R102 742 29075 SH OTHER 2 29075
CISCO SYSTEMS COM 17275R102 1889 74000 SH DEFINED 3 74000
CITIGROUP INC COM 172967101 64 1250 SH SOLE 1250
CITIGROUP INC COM 172967101 35 675 SH OTHER 675
CITIGROUP INC COM 172967101 1536 29923 SH DEFINED 2 29923
CITIGROUP INC COM 172967101 907 17675 SH OTHER 2 17675
CITIGROUP INC COM 172967101 1771 34500 SH DEFINED 3 34500
COCA COLA CO. COM 191216100 37 764 SH DEFINED 2 764
COCA COLA CO. COM 191216100 46 950 SH OTHER 2 950
COGNIZANT TECH SOLUTIONS COM 192446102 44 500 SH DEFINED 2 500
COLGATE-PALMOLIVE CO COM 194162103 35 525 SH SOLE 525
COLGATE-PALMOLIVE CO COM 194162103 47 700 SH OTHER 700
COLGATE-PALMOLIVE CO COM 194162103 916 13720 SH DEFINED 2 13720
COLGATE-PALMOLIVE CO COM 194162103 422 6325 SH OTHER 2 6325
COLGATE-PALMOLIVE CO COM 194162103 1469 22000 SH DEFINED 3 22000
COMCAST CORP NEW COM 20030N101 10 375 SH OTHER 2 375
COMMUNITY BANK SYSTEMS INC COM 203607106 21 1000 SH SOLE 1000
CONNECTICUT WATER SERVICE INC COM 207797101 5 200 SH OTHER 2 200
CONOCOPHILLIPS COM 20825C104 56 815 SH SOLE 815
CONOCOPHILLIPS COM 20825C104 1162 16998 SH DEFINED 2 16998
CONOCOPHILLIPS COM 20825C104 303 4436 SH OTHER 2 4436
CONOCOPHILLIPS COM 20825C104 957 14000 SH DEFINED 3 14000
CORNING INC COM 219350105 14 600 SH SOLE 600
CORNING INC COM 219350105 414 18225 SH DEFINED 2 18225
CORNING INC COM 219350105 53 2350 SH OTHER 2 2350
CORNING INC COM 219350105 1706 75000 SH DEFINED 3 75000
COSTCO WHOLESALE CORP NEW COM 22160K105 13 250 SH SOLE 250
COSTCO WHOLESALE CORP NEW COM 22160K105 73 1350 SH DEFINED 2 1350
COSTCO WHOLESALE CORP NEW COM 22160K105 51 950 SH OTHER 2 950
COSTCO WHOLESALE CORP NEW COM 22160K105 1238 23000 SH DEFINED 3 23000
CYTYC CORP COM 232946103 57 1655 SH DEFINED 2 1655
DTE ENERGY CO. COM 233331107 10 199 SH DEFINED 2 199
DANAHER CORP COM 235851102 36 500 SH SOLE 500
DANAHER CORP COM 235851102 29 400 SH OTHER 400
DANAHER CORP COM 235851102 1490 20860 SH DEFINED 2 20860
DANAHER CORP COM 235851102 305 4275 SH OTHER 2 4275
DARDEN RESTAURANTS INC COM 237194105 11 260 SH DEFINED 2 260
DEERE & CO COM 244199105 22 200 SH DEFINED 2 200
DENTSPLY INTL COM 249030107 79 2400 SH DEFINED 2 2400
DENTSPLY INTL COM 249030107 28 850 SH OTHER 2 850
WALT DISNEY COMPANY COM 254687106 46 1350 SH SOLE 1350
WALT DISNEY COMPANY COM 254687106 845 24550 SH DEFINED 2 24550
WALT DISNEY COMPANY COM 254687106 576 16725 SH OTHER 2 16725
WALT DISNEY COMPANY COM 254687106 1205 35000 SH DEFINED 3 35000
DOLLAR GENERAL CORP COM 256669102 53 2500 SH DEFINED 2 2500
DOLLAR TREE STORES COM 256747106 101 2630 SH DEFINED 2 2630
DOMINION RES INC VA NEW COM 25746U109 46 515 SH SOLE 515
DOMINION RES INC VA NEW COM 25746U109 22 250 SH OTHER 250
DOMINION RES INC VA NEW COM 25746U109 1259 14183 SH DEFINED 2 14183
DOMINION RES INC VA NEW COM 25746U109 424 4775 SH OTHER 2 4775
DOMINION RES INC VA NEW COM 25746U109 888 10000 SH DEFINED 3 10000
R R DONNELLEY & SONS CO COM 257867101 15 400 SH OTHER 2 400
DOVER CORP COM 260003108 95 1950 SH DEFINED 2 1950
DOVER CORP COM 260003108 28 575 SH OTHER 2 575
DOW CHEMICAL CO COM 260543103 18 400 SH OTHER 400
DOW CHEMICAL CO COM 260543103 57 1250 SH OTHER 2 1250
EI DUPONT DE NEMOURS & CO COM 263534109 17 350 SH SOLE 350
EI DUPONT DE NEMOURS & CO COM 263534109 16 325 SH OTHER 325
EI DUPONT DE NEMOURS & CO COM 263534109 379 7675 SH DEFINED 2 7675
EI DUPONT DE NEMOURS & CO COM 263534109 208 4200 SH OTHER 2 4200
DUKE ENERGY HLDG CORP COM 26441C105 35 1746 SH DEFINED 2 1746
DUKE ENERGY HLDG CORP COM 26441C105 24 1200 SH OTHER 2 1200
EMC CORP COM 268648102 1 100 SH DEFINED 2 100
EAST WEST BANCORP COM 27579R104 18 500 SH OTHER 2 500
EATON CORP COM 278058102 42 500 SH SOLE 500
EATON CORP COM 278058102 150 1800 SH OTHER 2 1800
EBAY INC COM 278642103 5 150 SH DEFINED 2 150
EBAY INC COM 278642103 28 850 SH OTHER 2 850
ECOLAB INC COM 278865100 30 700 SH SOLE 700
ECOLAB INC COM 278865100 854 19854 SH DEFINED 2 19854
ECOLAB INC COM 278865100 229 5325 SH OTHER 2 5325
ECOLAB INC COM 278865100 968 22500 SH DEFINED 3 22500
EDWARD LIFESCIENCES CORP COM 28176E108 10 200 SH DEFINED 2 200
ELECTRONIC ARTS INC COM 285512109 3 60 SH OTHER 2 60
EMERSON ELECTRIC CO COM 291011104 9 200 SH SOLE 200
EMERSON ELECTRIC CO COM 291011104 9 200 SH OTHER 200
EMERSON ELECTRIC CO COM 291011104 694 16100 SH DEFINED 2 16100
EMERSON ELECTRIC CO COM 291011104 345 8000 SH OTHER 2 8000
ENCANA CORP COM 292505104 25 500 SH DEFINED 2 500
ENCANA CORP COM 292505104 71 1400 SH OTHER 2 1400
EXELON CORP COM 30161N101 41 600 SH DEFINED 2 600
EXXON MOBIL CORP COM 30231G102 243 3220 SH SOLE 3220
EXXON MOBIL CORP COM 30231G102 104 1375 SH OTHER 1375
EXXON MOBIL CORP COM 30231G102 7151 94779 SH DEFINED 2 94779
EXXON MOBIL CORP COM 30231G102 2572 34085 SH OTHER 2 34085
EXXON MOBIL CORP COM 30231G102 1471 19500 SH DEFINED 3 19500
FPL GROUP INC COM 302571104 95 1550 SH DEFINED 2 1550
FAMILY DOLLAR STORES COM 307000109 3 100 SH DEFINED 2 100
FED HOME LOAN MORT CORP COM 313400301 7 116 SH DEFINED 2 116
FED NATL MORT ASSOC COM 313586109 31 560 SH DEFINED 2 560
FED NATL MORT ASSOC COM 313586109 38 700 SH OTHER 2 700
FEDEX CORPORATION COM 31428X106 54 500 SH DEFINED 2 500
FIFTH THIRD BANCORP COM 316773100 39 1000 SH OTHER 2 1000
FINANCIAL INSTITUTIONS INC COM 317585404 2 100 SH OTHER 2 100
FIRST DATA CORP COM 319963104 27 1000 SH DEFINED 2 1000
FIRST NIAGARA COM 33582V108 4 285 SH DEFINED 2 285
FORD MOTOR CO COM 345370860 12 1556 SH DEFINED 2 1556
FORTUNE BRANDS INC COM 349631101 63 800 SH DEFINED 2 800
FRANKLIN RESOURCES COM 354613101 166 1375 SH DEFINED 2 1375
FRANKLIN RESOURCES COM 354613101 1571 13000 SH DEFINED 3 13000
GANNETT COMPANY INC COM 364730101 28 500 SH DEFINED 2 500
GAP, INC. COM 364760108 2 100 SH OTHER 2 100
GENERAL DYNAMICS COM 369550108 55 715 SH SOLE 715
GENERAL DYNAMICS COM 369550108 31 400 SH OTHER 400
GENERAL DYNAMICS COM 369550108 745 9755 SH DEFINED 2 9755
GENERAL DYNAMICS COM 369550108 244 3190 SH OTHER 2 3190
GENERAL DYNAMICS COM 369550108 1070 14000 SH DEFINED 3 14000
GENERAL ELECTRIC CO COM 369604103 174 4907 SH SOLE 4907
GENERAL ELECTRIC CO COM 369604103 53 1500 SH OTHER 1500
GENERAL ELECTRIC CO COM 369604103 5537 156601 SH DEFINED 2 156601
GENERAL ELECTRIC CO COM 369604103 3770 106622 SH OTHER 2 106622
GENERAL ELECTRIC CO COM 369604103 2122 60000 SH DEFINED 3 60000
GENERAL MILLS INC COM 370334104 12 200 SH SOLE 200
GENERAL MILLS INC COM 370334104 47 800 SH OTHER 800
GENERAL MILLS INC COM 370334104 559 9607 SH DEFINED 2 9607
GENERAL MILLS INC COM 370334104 265 4550 SH OTHER 2 4550
GENERAL MILLS INC COM 370334104 1531 26300 SH DEFINED 3 26300
GENUINE PARTS CO COM 372460105 7 150 SH OTHER 2 150
GENWORTH FINL COM 37247D106 45 1275 SH SOLE 1275
GENWORTH FINL COM 37247D106 973 27850 SH DEFINED 2 27850
GENWORTH FINL COM 37247D106 154 4400 SH OTHER 2 4400
GENWORTH FINL COM 37247D106 1642 47000 SH DEFINED 3 47000
GLAXO COM 37733W105 43 775 SH SOLE 775
GLAXO COM 37733W105 22 400 SH OTHER 400
GLAXO COM 37733W105 1147 20764 SH DEFINED 2 20764
GLAXO COM 37733W105 123 2225 SH OTHER 2 2225
GLAXO COM 37733W105 1768 32000 SH DEFINED 3 32000
GOLDMAN SACHS GROUP COM 38141G104 123 595 SH SOLE 595
GOLDMAN SACHS GROUP COM 38141G104 46 225 SH OTHER 225
GOLDMAN SACHS GROUP COM 38141G104 1614 7810 SH DEFINED 2 7810
GOLDMAN SACHS GROUP COM 38141G104 300 1450 SH OTHER 2 1450
GOLDMAN SACHS GROUP COM 38141G104 1860 9000 SH DEFINED 3 9000
GOODYEAR TIRE & RUBBER CO COM 382550101 8 248 SH DEFINED 2 248
GOOGLE INC COM 38259P508 5 10 SH DEFINED 2 10
HSBC HLDGS COM 404280406 9 100 SH SOLE 100
HANESBRANDS INC COM 410345102 0 25 SH OTHER 2 25
HARLEY DAVIDSON INC COM 412822108 28 475 SH SOLE 475
HARLEY DAVIDSON INC COM 412822108 722 12284 SH DEFINED 2 12284
HARLEY DAVIDSON INC COM 412822108 168 2857 SH OTHER 2 2857
HARLEY DAVIDSON INC COM 412822108 517 8800 SH DEFINED 3 8800
HARSCO COM 415864107 33 732 SH DEFINED 2 732
HARTFORD FINL SVCS GROUP INC. COM 416515104 55 580 SH SOLE 580
HARTFORD FINL SVCS GROUP INC. COM 416515104 33 350 SH OTHER 350
HARTFORD FINL SVCS GROUP INC. COM 416515104 1693 17713 SH DEFINED 2 17713
HARTFORD FINL SVCS GROUP INC. COM 416515104 597 6250 SH OTHER 2 6250
HARTFORD FINL SVCS GROUP INC. COM 416515104 1912 20000 SH DEFINED 3 20000
H J HEINZ CO COM 423074103 99 2100 SH DEFINED 2 2100
H J HEINZ CO COM 423074103 674 14300 SH OTHER 2 14300
THE HERSHEY COMPANY COM 427866108 68 1250 SH DEFINED 2 1250
THE HERSHEY COMPANY COM 427866108 5 100 SH OTHER 2 100
HEWLETT PACKARD CO COM 428236103 67 1675 SH SOLE 1675
HEWLETT PACKARD CO COM 428236103 56 1400 SH OTHER 1400
HEWLETT PACKARD CO COM 428236103 1425 35497 SH DEFINED 2 35497
HEWLETT PACKARD CO COM 428236103 1531 38146 SH OTHER 2 38146
HEWLETT PACKARD CO COM 428236103 1204 30000 SH DEFINED 3 30000
HOME DEPOT, INC COM 437076102 6 175 SH SOLE 175
HOME DEPOT, INC COM 437076102 262 7140 SH DEFINED 2 7140
HOME DEPOT, INC COM 437076102 304 8275 SH OTHER 2 8275
HONEYWELL INTL COM 438516106 9 200 SH DEFINED 2 200
HOSPIRA INC COM 441060100 11 275 SH OTHER 2 275
HOST HOTELS & RESORTS INC COM 44107P104 1 4 SH SOLE 4
ITT CORP COM 450911102 58 955 SH SOLE 955
ITT CORP COM 450911102 36 600 SH OTHER 600
ITT CORP COM 450911102 1111 18425 SH DEFINED 2 18425
ITT CORP COM 450911102 223 3700 SH OTHER 2 3700
ITT CORP COM 450911102 1206 20000 SH DEFINED 3 20000
IDEARC INC. COM 451663108 10 291 SH OTHER 2 291
ILLINOIS TOOL WORKS INC. COM 452308109 308 5960 SH DEFINED 2 5960
ILLINOIS TOOL WORKS INC. COM 452308109 83 1600 SH OTHER 2 1600
INTEL CORP COM 458140100 6 300 SH OTHER 300
INTEL CORP COM 458140100 252 13183 SH DEFINED 2 13183
INTEL CORP COM 458140100 453 23700 SH OTHER 2 23700
INTL BUSINESS MACHINES COM 459200101 99 1053 SH SOLE 1053
INTL BUSINESS MACHINES COM 459200101 57 600 SH OTHER 600
INTL BUSINESS MACHINES COM 459200101 1903 20191 SH DEFINED 2 20191
INTL BUSINESS MACHINES COM 459200101 1141 12107 SH OTHER 2 12107
INTL BUSINESS MACHINES COM 459200101 1602 17000 SH DEFINED 3 17000
INTL GAME TECH COM 459902102 10 250 SH SOLE 250
INTL GAME TECH COM 459902102 8 200 SH OTHER 200
INTL GAME TECH COM 459902102 113 2800 SH DEFINED 2 2800
INTL GAME TECH COM 459902102 4 100 SH OTHER 2 100
INTL GAME TECH COM 459902102 1090 27000 SH DEFINED 3 27000
INTERNATIONAL PAPER CO COM 460146103 14 376 SH DEFINED 2 376
I SHARES INC EXC 464286509 28 1085 SH DEFINED 2 1085
JDS UNIPHASE CORP COM 46612J507 0 25 SH OTHER 2 25
JPMORGAN CHASE & CO COM 46625H100 18 374 SH SOLE 374
JPMORGAN CHASE & CO COM 46625H100 215 4434 SH DEFINED 2 4434
JPMORGAN CHASE & CO COM 46625H100 263 5436 SH OTHER 2 5436
JACOBS ENGINEERING GROUP INC. COM 469814107 112 2400 SH DEFINED 2 2400
JACOBS ENGINEERING GROUP INC. COM 469814107 179 3830 SH OTHER 2 3830
JOHNSON & JOHNSON COM 478160104 159 2646 SH SOLE 2646
JOHNSON & JOHNSON COM 478160104 42 700 SH OTHER 700
JOHNSON & JOHNSON COM 478160104 3071 50959 SH DEFINED 2 50959
JOHNSON & JOHNSON COM 478160104 2961 49140 SH OTHER 2 49140
JOHNSON & JOHNSON COM 478160104 1567 26000 SH DEFINED 3 26000
JOHNSON CONTROLS INC COM 478366107 33 350 SH DEFINED 2 350
JOS A BANK CLOTHIERS COM 480838101 354 10000 SH DEFINED 3 10000
KAYDON CORP COM 486587108 2 50 SH DEFINED 2 50
KELLOGG CO. COM 487836108 18 350 SH SOLE 350
KELLOGG CO. COM 487836108 318 6175 SH DEFINED 2 6175
KELLOGG CO. COM 487836108 113 2200 SH OTHER 2 2200
KELLOGG CO. COM 487836108 1029 20000 SH DEFINED 3 20000
KEYCORP COM 493267108 19 500 SH SOLE 500
KEYCORP COM 493267108 15 388 SH DEFINED 2 388
KIMBERLY-CLARK CORP COM 494368103 82 1200 SH DEFINED 2 1200
KIMBERLY-CLARK CORP COM 494368103 3 50 SH OTHER 2 50
KOHL'S CORP (WISCONSIN) COM 500255104 46 600 SH DEFINED 2 600
L3 COMMUNICATIONS HLD INC COM 502424104 70 800 SH DEFINED 2 800
ELI LILLY & CO COM 532457108 32 600 SH SOLE 600
ELI LILLY & CO COM 532457108 16 300 SH OTHER 300
ELI LILLY & CO COM 532457108 460 8562 SH DEFINED 2 8562
ELI LILLY & CO COM 532457108 132 2450 SH OTHER 2 2450
LOCKHEED MARTIN CORP COM 539830109 19 200 SH OTHER 200
LOCKHEED MARTIN CORP COM 539830109 156 1604 SH DEFINED 2 1604
LOCKHEED MARTIN CORP COM 539830109 58 600 SH OTHER 2 600
LOCKHEED MARTIN CORP COM 539830109 1164 12000 SH DEFINED 3 12000
LOWES COMPANIES COM 548661107 41 1304 SH SOLE 1304
LOWES COMPANIES COM 548661107 16 500 SH OTHER 500
LOWES COMPANIES COM 548661107 1088 34554 SH DEFINED 2 34554
LOWES COMPANIES COM 548661107 315 10000 SH OTHER 2 10000
LOWES COMPANIES COM 548661107 882 28000 SH DEFINED 3 28000
M&T BANK CORP COM 55261F104 6 50 SH DEFINED 2 50
MBIA INC COM 55262C100 15 225 SH DEFINED 2 225
MBIA INC COM 55262C100 3 50 SH OTHER 2 50
MARRIOTT INTERNATIONAL INC COM 571903202 37 750 SH SOLE 750
MARRIOTT INTERNATIONAL INC COM 571903202 606 12375 SH DEFINED 2 12375
MARRIOTT INTERNATIONAL INC COM 571903202 184 3750 SH OTHER 2 3750
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MCCORMICK & CO COM 579780206 3 75 SH OTHER 2 75
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MEDTRONIC, INC COM 585055106 1374 28000 SH DEFINED 3 28000
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MONSANTO CO NEW COM 61166W101 19 342 SH DEFINED 2 342
MOODYS CORP COM 615369105 31 500 SH DEFINED 2 500
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