Instuitional Investor - Nbt Bank N A

13F Holdings

Filing Period:

No.	Security	Ticker	Shares	Value	% Port
1.	Microsoft Corp	MSFT	203,309	$98,324,299	6.35%
2.	Apple Inc.	AAPL	264,101	$71,798,477	4.64%
3.	Alphabet Inc.	GOOGL	148,757	$46,560,921	3.01%
4.	Alphabet Inc.	GOOGL	147,865	$46,399,937	3%
5.	Flexshares Trust		914,122	$41,912,493	2.71%