Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
MSFT	MICROSOFT	148,392	$19.88M	4.6%	$38.24	+212.6%	COMMON STOCK	594918104
CHMG	CHEMUNG FINANCIAL CORP	400,093	$19.34M	4.5%	$24.11	+63.4%	COMMON STOCK	164024101
JNJ	JOHNSON	109,247	$15.22M	3.5%	$62.33	+84.2%	COMMON STOCK	478160104
PG	PROCTER	132,648	$14.54M	3.4%	$62.76	+44.2%	COMMON STOCK	742718109
XLK	SECTOR SPDR	167,850	$13.1M	3.0%	$44.26	—	COMMON STOCK	81369Y803
PEP	PEPSICO	94,742	$12.42M	2.9%	$73.45	+42.6%	COMMON STOCK	713448108
MCD	MCDONALDS CORP	52,279	$10.86M	2.5%	$94.44	+79.8%	COMMON STOCK	580135101
V	VISA	62,274	$10.81M	2.5%	$73.93	+111.5%	COMMON STOCK	92826C839
DIS	WALT	74,810	$10.45M	2.4%	$94.19	+35.9%	COMMON STOCK	254687106
KO	COCA-COLA	191,149	$9.733M	2.3%	$31.61	+26.3%	COMMON STOCK	191216100
INTC	INTEL	201,631	$9.652M	2.2%	$36.68	+17.5%	COMMON STOCK	458140100
ADBE	ADOBE	32,037	$9.44M	2.2%	$102.32	+171.4%	COMMON STOCK	00724F101
—	UNITED	66,199	$8.619M	2.0%	$108.55	—	COMMON STOCK	913017109
MRK	MERCK	101,196	$8.485M	2.0%	$43.63	+42.4%	COMMON STOCK	58933Y105
XLRE	SECTOR SPDR	223,897	$8.233M	1.9%	$32.86	—	COMMON STOCK	81369Y860
PFE	PFIZER	184,840	$8.008M	1.9%	$20.09	+45.4%	COMMON STOCK	717081103
ENB	ENBRIDGE	217,586	$7.85M	1.8%	$22.23	+5.7%	FOREIGN STOCK	29250N105
VZ	VERIZON	136,783	$7.814M	1.8%	$32.90	+21.7%	COMMON STOCK	92343V104
EMR	EMERSON	113,702	$7.587M	1.8%	$48.63	+18.2%	COMMON STOCK	291011104
GLW	CORNING	223,813	$7.437M	1.7%	$10.64	+150.1%	COMMON STOCK	219350105
—	GLAXOSMITHKLINE	182,738	$7.313M	1.7%	$40.90	—	FOREIGN STOCK	37733W105
BRK/B	BERKSHIRE	31,398	$6.693M	1.6%	$133.28	+55.3%	COMMON STOCK	084670702
CRM	SALESFORCE.COM	44,078	$6.688M	1.6%	$120.06	+29.0%	COMMON STOCK	79466L302
JPM	JPMORGAN	57,656	$6.446M	1.5%	$45.53	+102.1%	COMMON STOCK	46625H100
UNP	UNION	38,073	$6.439M	1.5%	$116.96	+26.3%	COMMON STOCK	907818108
XOM	EXXON	83,536	$6.401M	1.5%	$53.25	+6.8%	COMMON STOCK	30231G102
MDT	MEDTRONIC	65,202	$6.35M	1.5%	$71.70	+6.3%	FOREIGN STOCK	G5960L103
AXP	AMERICAN	50,790	$6.27M	1.5%	$90.93	+18.2%	COMMON STOCK	025816109
CMCSA	COMCAST	143,200	$6.054M	1.4%	$30.51	+16.5%	COMMON STOCK	20030N101
EFA	ISHARES	89,651	$5.892M	1.4%	$63.93	—	MUTUAL FUNDS -	464287465
SBUX	STARBUCKS CORP	70,150	$5.881M	1.4%	$59.25	+14.6%	COMMON STOCK	855244109
AMZN	AMAZON.COM INC	3,086	$5.843M	1.4%	$38.08	+144.6%	COMMON STOCK	023135106
BCE	BCE	127,613	$5.804M	1.3%	$27.51	+6.0%	FOREIGN STOCK	05534B760
AAPL	APPLE	27,961	$5.534M	1.3%	$19.51	+139.0%	COMMON STOCK	037833100
D	DOMINION	67,590	$5.226M	1.2%	$50.03	+13.6%	COMMON STOCK	25746U109
CVX	CHEVRON	41,141	$5.12M	1.2%	$72.80	+24.0%	COMMON STOCK	166764100
GOOG	ALPHABET	4,512	$4.877M	1.1%	$36.36	+57.5%	COMMON STOCK	02079K107
WMT	WAL-MART	44,036	$4.865M	1.1%	$20.44	+53.2%	COMMON STOCK	931142103
DUK	DUKE	53,730	$4.741M	1.1%	$57.85	+17.1%	COMMON STOCK	26441C204
TRV	THE	29,964	$4.48M	1.0%	$110.29	+13.3%	COMMON STOCK	89417E109
XLF	SECTOR SPDR	152,823	$4.218M	1.0%	$22.38	—	COMMON STOCK	81369Y605
XLU	SECTOR SPDR	69,797	$4.162M	1.0%	$47.09	—	COMMON STOCK	81369Y886
JCI	JOHNSON	83,208	$3.438M	0.8%	$31.97	+4.4%	FOREIGN STOCK	G51502105
QQQ	INVESCO	18,226	$3.404M	0.8%	$176.18	—	MUTUAL FUNDS -	46090E103
CL	COLGATE PALMOLIVE	46,917	$3.363M	0.8%	$58.48	+4.0%	COMMON STOCK	194162103
DBEF	XTRACKERS	106,170	$3.356M	0.8%	$31.31	—	MUTUAL FUNDS -	233051200
GS	GOLDMAN	16,092	$3.292M	0.8%	$164.92	+2.5%	COMMON STOCK	38141G104
BA	BOEING	8,814	$3.208M	0.7%	$96.33	+270.9%	COMMON STOCK	097023105
SPMD	SPDR	89,991	$3.066M	0.7%	$47.81	—	MUTUAL FUNDS -	78464A847
HD	HOME	14,606	$3.037M	0.7%	$86.43	+96.2%	COMMON STOCK	437076102
BUD	ANHEUSER-BUSCH	32,411	$2.869M	0.7%	$88.52	—	FOREIGN STOCK	03524A108
XLV	SECTOR SPDR	30,353	$2.812M	0.7%	$80.97	—	COMMON STOCK	81369Y209
ABT	ABBOTT	30,270	$2.546M	0.6%	$40.13	+75.0%	COMMON STOCK	002824100
CNI	CANADIAN	26,580	$2.457M	0.6%	$45.73	+77.2%	FOREIGN STOCK	136375102
DE	DEERE & CO	14,342	$2.377M	0.6%	$131.21	+7.8%	COMMON STOCK	244199105
COF	CAPITAL	25,199	$2.287M	0.5%	$79.78	+0.1%	COMMON STOCK	14040H105
SO	SOUTHERN COMPANY	38,106	$2.107M	0.5%	$33.33	+24.1%	COMMON STOCK	842587107
—	BLACKROCK	4,450	$2.088M	0.5%	$469.21	—	COMMON STOCK	09247X101
IWD	ISHARES	15,641	$1.99M	0.5%	$111.69	—	MUTUAL FUNDS -	464287598
AMGN	AMGEN	10,693	$1.97M	0.5%	$145.24	+0.7%	COMMON STOCK	031162100
IWO	ISHARES	9,773	$1.964M	0.5%	$121.39	—	MUTUAL FUNDS -	464287648
XLY	SECTOR SPDR	15,975	$1.904M	0.4%	$86.28	—	COMMON STOCK	81369Y407
BMY	BRISTOL	39,521	$1.793M	0.4%	$37.74	-4.3%	COMMON STOCK	110122108
IWN	ISHARES	13,984	$1.686M	0.4%	$89.63	—	MUTUAL FUNDS -	464287630
CSCO	CISCO	29,160	$1.596M	0.4%	$16.76	+169.5%	COMMON STOCK	17275R102
IVV	ISHARES	4,771	$1.406M	0.3%	$237.88	—	MUTUAL FUNDS -	464287200
MMM	3M CO	7,967	$1.381M	0.3%	$80.70	+49.5%	COMMON STOCK	88579Y101
HON	HONEYWELL	7,245	$1.265M	0.3%	$111.13	+24.8%	COMMON STOCK	438516106
XLE	SECTOR SPDR	19,816	$1.262M	0.3%	$68.07	—	COMMON STOCK	81369Y506
IWM	ISHARES	7,924	$1.232M	0.3%	$163.64	—	MUTUAL FUNDS -	464287655
ORLY	O'REILLY	3,302	$1.219M	0.3%	$16.95	+49.4%	COMMON STOCK	67103H107
XLI	SECTOR SPDR	14,681	$1.137M	0.3%	$64.82	—	COMMON STOCK	81369Y704
PAYX	PAYCHEX INC	12,263	$1.009M	0.2%	$25.36	+174.3%	COMMON STOCK	704326107
ADP	AUTOMATIC DATA PROCESSING	5,560	$919K	0.2%	$45.09	+212.7%	COMMON STOCK	053015103
—	BB&T	15,849	$778K	0.2%	$41.82	—	COMMON STOCK	054937107
VWO	VANGUARD	18,039	$767K	0.2%	$38.24	—	MUTUAL FUNDS -	922042858
CB	CHUBB	5,003	$737K	0.2%	$118.54	+9.1%	FOREIGN STOCK	H1467J104
IBM	INTERNATIONAL	4,943	$681K	0.2%	$116.86	-15.6%	COMMON STOCK	459200101
TXN	TEXAS	5,512	$632K	0.1%	$92.76	0.0%	COMMON STOCK	882508104
DD	DUPONT	8,289	$622K	0.1%	$27.24	0.0%	COMMON STOCK	26614N102
WFC	WELLS	12,897	$611K	0.1%	$34.24	+14.1%	COMMON STOCK	949746101
T	AT&T	16,572	$555K	0.1%	$11.41	+32.1%	COMMON STOCK	00206R102
PSX	PHILLIPS	5,866	$549K	0.1%	$64.23	+6.6%	COMMON STOCK	718546104
TIP	ISHARES	4,644	$536K	0.1%	$112.08	—	MUTUAL FUNDS -	464287176
COP	CONOCOPHILLIPS	8,762	$534K	0.1%	$52.98	-7.1%	COMMON STOCK	20825C104
NEE	NEXTERA	2,601	$533K	0.1%	$17.03	+145.4%	COMMON STOCK	65339F101
GOOGL	ALPHABET	491	$531K	0.1%	$39.03	+47.2%	COMMON STOCK	02079K305
ABBV	ABBVIE	7,046	$512K	0.1%	$32.58	+82.2%	COMMON STOCK	00287Y109
DGX	QUEST	5,000	$509K	0.1%	$75.54	+11.6%	COMMON STOCK	74834L100
—	LABORATORY CRP OF AMER HLDGS	2,684	$464K	0.1%	$126.08	—	COMMON STOCK	50540R409
—	WALGREENS	7,671	$419K	0.1%	$84.53	—	COMMON STOCK	931427108
ZBH	ZIMMER	3,173	$373K	0.1%	$68.76	+61.3%	COMMON STOCK	98956P102
DOW	DOW	7,341	$362K	0.1%	$36.37	0.0%	COMMON STOCK	260557103
LLY	ELI	3,224	$358K	0.1%	$63.34	+70.5%	COMMON STOCK	532457108
SDY	SPDR	3,370	$340K	0.1%	$91.39	—	MUTUAL FUNDS -	78464A763
USB	US BANCORP	6,000	$314K	0.1%	$37.60	+3.5%	COMMON STOCK	902973304
SPY	STANDARD & POORS	1,064	$312K	0.1%	$282.89	—	MUTUAL FUNDS -	78462F103
—	ALLERGAN	1,823	$305K	0.1%	$167.31	—	FOREIGN STOCK	G0177J108
COST	COSTCO	1,081	$285K	0.1%	$96.83	+134.0%	COMMON STOCK	22160K105
XLP	SECTOR SPDR	4,770	$277K	0.1%	$52.36	—	COMMON STOCK	81369Y308
SYY	SYSCO	3,807	$269K	0.1%	$30.75	+93.7%	COMMON STOCK	871829107
VYM	VANGUARD	3,061	$267K	0.1%	$81.09	—	MUTUAL FUNDS -	921946406
GLD	SPDR	2,000	$266K	0.1%	$113.00	—	MUTUAL FUNDS -	78463V107
NVO	NOVO	5,000	$255K	0.1%	$52.40	—	FOREIGN STOCK	670100205
CTVA	CORTEVA	8,076	$239K	0.1%	$25.02	0.0%	COMMON STOCK	22052L104
VGT	VANGUARD	1,133	$239K	0.1%	$200.35	—	COMMON STOCK	92204A702
TJX	TJX	4,422	$234K	0.1%	$46.19	+5.4%	COMMON STOCK	872540109
DHR	DANAHER	1,634	$233K	0.1%	$100.06	+14.9%	COMMON STOCK	235851102
NBTB	NBT BANCORP INC	6,041	$227K	0.1%	$25.14	+47.9%	COMMON STOCK	628778102
IBB	ISHARES	2,014	$220K	0.1%	$236.12	—	COMMON STOCK	464287556
NSC	NORFOLK	1,087	$217K	0.1%	$150.47	+15.2%	COMMON STOCK	655844108
IDV	ISHARES	7,038	$216K	0.1%	$33.79	—	MUTUAL FUNDS -	464288448
—	GENERAL	12,061	$127K	0.0%	$23.37	—	COMMON STOCK	369604103