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ARROW FINANCIAL CORP Director's Dealing 2014

May 12, 2014

32888_dirs_2014-05-12_1b0dc041-7a11-4ab6-aefd-cab927774719.zip

Director's Dealing

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SEC Form 4 — Statement of Changes in Beneficial Ownership

Issuer: ARROW FINANCIAL CORP (AROW)
CIK: 0000717538
Period of Report: 2014-05-08

Reporting Person: HOY THOMAS L (Director, Chairman)

Non-Derivative Transactions

Date	Security	Code	Shares	Price	A/D	Holdings After	Ownership
2014-05-08	Common Stock	P	1000	$25	Acquired	168322	Direct
2014-05-08	Common Stock	J	0	—	Acquired	4996	Indirect
2014-05-08	Common Stock	J	0	—	Acquired	2509	Indirect
2014-05-08	Common Stock	J	0	—	Acquired	3412	Indirect

Footnotes

F1: Following the reported transactions, total direct holdings include:
67,789 shares held in a qualified retirement plans (IRA);
97,771 shares held in a custody account;
2,761 shares acquired under 401k account; and
1 share held in DRIP and ESPP accounts

F2: Amount of securities beneficially owned following reported transaction.