Instuitional Investor - Nbt Bank N A

13F Holdings

Filing Period:

No.	Security	Ticker	Shares	Value	% Port
1.	Microsoft Corp	MSFT	201,559	$74,611,095	4.89%
2.	Apple Inc.	AAPL	260,691	$66,160,804	4.33%
3.	Flexshares Trust		926,613	$51,111,973	3.35%
4.	Alphabet Inc.	GOOGL	144,051	$41,423,287	2.71%
5.	Alphabet Inc.	GOOGL	142,729	$40,943,149	2.68%