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            <AddressLine1Txt>5 SOUTH BROAD STREET</AddressLine1Txt>
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            <StateAbbreviationCd>NY</StateAbbreviationCd>
            <ZIPCd>13815</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusTxt>PC</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>MUSEUMS AND MORE CELEBRATION</GrantOrContributionPurposeTxt>
          <Amt>8500</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientPersonNm>COLORSCAPE</RecipientPersonNm>
          <RecipientUSAddress>
            <AddressLine1Txt>PO BOX 624</AddressLine1Txt>
            <CityNm>NORWICH</CityNm>
            <StateAbbreviationCd>NY</StateAbbreviationCd>
            <ZIPCd>13815</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusTxt>PC</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>ART FESTIVAL</GrantOrContributionPurposeTxt>
          <Amt>7000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientPersonNm>IMPROVE NORWICH NOW</RecipientPersonNm>
          <RecipientUSAddress>
            <AddressLine1Txt>PO BOX 161</AddressLine1Txt>
            <CityNm>NORWICH</CityNm>
            <StateAbbreviationCd>NY</StateAbbreviationCd>
            <ZIPCd>13815</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusTxt>PC</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>OPERATIONS</GrantOrContributionPurposeTxt>
          <Amt>248746</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientPersonNm>NORWICH BUILDING TOMORROW FOUNDATIO</RecipientPersonNm>
          <RecipientUSAddress>
            <AddressLine1Txt>52 SOUTH BROAD STREET</AddressLine1Txt>
            <CityNm>NORWICH</CityNm>
            <StateAbbreviationCd>NY</StateAbbreviationCd>
            <ZIPCd>13815</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusTxt>PC</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>RENOVATIONS SOUTH BROAD PARK &amp; CURB APPEAL PROGRAM</GrantOrContributionPurposeTxt>
          <Amt>575000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientPersonNm>CHENANGO COUNTY BLUES SOCIETY</RecipientPersonNm>
          <RecipientUSAddress>
            <AddressLine1Txt>5 BROAD STREET</AddressLine1Txt>
            <CityNm>NORWICH</CityNm>
            <StateAbbreviationCd>NY</StateAbbreviationCd>
            <ZIPCd>13815</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusTxt>PC</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>MUSIC FESTIVAL CONCERTS IN THE PARK</GrantOrContributionPurposeTxt>
          <Amt>17500</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientPersonNm>ACHIEVE</RecipientPersonNm>
          <RecipientUSAddress>
            <AddressLine1Txt>4733 VESTAL PARKWAY EAST</AddressLine1Txt>
            <CityNm>VESTAL</CityNm>
            <StateAbbreviationCd>NY</StateAbbreviationCd>
            <ZIPCd>13850</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusTxt>PC</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>FIRE SUPPRESSION SYSTEM</GrantOrContributionPurposeTxt>
          <Amt>20000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientPersonNm>SMYRNA UNITED METHODIST CHURCH</RecipientPersonNm>
          <RecipientUSAddress>
            <AddressLine1Txt>3 E MAIN ST</AddressLine1Txt>
            <CityNm>SMYRNA</CityNm>
            <StateAbbreviationCd>NY</StateAbbreviationCd>
            <ZIPCd>13464</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusTxt>PC</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>FOOD PANTRY</GrantOrContributionPurposeTxt>
          <Amt>6000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <TotalGrantOrContriPdDurYrAmt>1075571</TotalGrantOrContriPdDurYrAmt>
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        <DividendsAndInterestFromSecDtl>
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        <GainSalesAstOthThanInvntryGrp>
          <ExclusionCd>18</ExclusionCd>
          <ExclusionAmt>-212152</ExclusionAmt>
        </GainSalesAstOthThanInvntryGrp>
        <OtherRevenueDescribedGrp>
          <Desc>ORDINARY INCOME(LOSS)</Desc>
          <BusinessCd>211120</BusinessCd>
          <UnrelatedBusinessTaxblIncmAmt>-4512</UnrelatedBusinessTaxblIncmAmt>
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        <OtherRevenueDescribedGrp>
          <Desc>TAX EXEMPT INCOME</Desc>
          <BusinessCd>211120</BusinessCd>
          <UnrelatedBusinessTaxblIncmAmt>535</UnrelatedBusinessTaxblIncmAmt>
        </OtherRevenueDescribedGrp>
        <SubtotalsIncmProducingActyGrp>
          <UnrelatedBusinessTaxblIncmAmt>-3977</UnrelatedBusinessTaxblIncmAmt>
          <ExclusionAmt>388215</ExclusionAmt>
        </SubtotalsIncmProducingActyGrp>
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      <TrnsfrTransRlnNonchrtblEOGrp>
        <TrnsfrOfCashToNonchrtblEOInd>false</TrnsfrOfCashToNonchrtblEOInd>
        <TrnsfrOtherAssetNonchrtblEOInd>false</TrnsfrOtherAssetNonchrtblEOInd>
        <SalesOrExchangesOfAssetsInd>false</SalesOrExchangesOfAssetsInd>
        <PurchaseOfAssetsNonchrtblEOInd>false</PurchaseOfAssetsNonchrtblEOInd>
        <RentalOfFacilitiesOthAssetsInd>false</RentalOfFacilitiesOthAssetsInd>
        <ReimbursementArrangementsInd>false</ReimbursementArrangementsInd>
        <LoansOrLoanGuaranteesInd>false</LoansOrLoanGuaranteesInd>
        <PerformanceOfServicesEtcInd>false</PerformanceOfServicesEtcInd>
        <SharingOfFacilitiesEtcInd>false</SharingOfFacilitiesEtcInd>
        <RelationshipsNonchrtblEOInd>false</RelationshipsNonchrtblEOInd>
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        <CategoryTxt>PIAKER &amp; LYONS PC</CategoryTxt>
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        <NetInvestmentIncomeAmt>0</NetInvestmentIncomeAmt>
        <AdjustedNetIncomeAmt>0</AdjustedNetIncomeAmt>
        <DisbursementsCharitablePrpsAmt>2600</DisbursementsCharitablePrpsAmt>
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        <EOYFMVAmt>2436045</EOYFMVAmt>
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      <InvestmentsCorporateBondsGrp>
        <BondNm>FIXED INCOME-NBT SEE ATTACHED</BondNm>
        <EOYBookValueAmt>3111370</EOYBookValueAmt>
        <EOYFMVAmt>2803400</EOYFMVAmt>
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      <InvestmentsCorporateBondsGrp>
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        <StockNm>STOCKS-WF SEE ATTACHED</StockNm>
        <EOYBookValueAmt>2819566</EOYBookValueAmt>
        <EOYFMVAmt>3406929</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>STOCKS-LB SEE ATTACHED</StockNm>
        <EOYBookValueAmt>1994289</EOYBookValueAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>STOCKS-NBT SEE ATTACHED</StockNm>
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        <CategoryOrItemTxt>OTHER-LB SEE ATTACHED</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
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      <LegalFeesGrp>
        <CategoryTxt>LEVINE GOULDIN &amp; THOMPSON</CategoryTxt>
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        <NetInvestmentIncomeAmt>0</NetInvestmentIncomeAmt>
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        <RevenueAndExpensesPerBooksAmt>293</RevenueAndExpensesPerBooksAmt>
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        <Desc>LEASE EXPENSE</Desc>
        <RevenueAndExpensesPerBooksAmt>5850</RevenueAndExpensesPerBooksAmt>
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        <Desc>NON-DEDUCTIBLE EXPENSE</Desc>
        <RevenueAndExpensesPerBooksAmt>28</RevenueAndExpensesPerBooksAmt>
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        <RevenueAndExpensesPerBooksAmt>3283</RevenueAndExpensesPerBooksAmt>
        <DisbursementsCharitablePrpsAmt>3283</DisbursementsCharitablePrpsAmt>
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        <Desc>PHONE</Desc>
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        <DisbursementsCharitablePrpsAmt>1104</DisbursementsCharitablePrpsAmt>
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        <DisbursementsCharitablePrpsAmt>913</DisbursementsCharitablePrpsAmt>
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        <RevenueAndExpensesPerBooksAmt>-4512</RevenueAndExpensesPerBooksAmt>
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      <OtherIncomeDetail>
        <Desc>TAX EXEMPT INCOME</Desc>
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        <NetInvestmentIncomeAmt>92716</NetInvestmentIncomeAmt>
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      <OtherProfessionalFeesDetail>
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        <DisbursementsCharitablePrpsAmt>7000</DisbursementsCharitablePrpsAmt>
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        <Amt>1968</Amt>
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  </ReturnData>
</Return>