UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Commission File Number: 0-12507 ARROW FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) New York 22-2448962 (State or other jurisdiction of incorporation or organization) (I.R.S. Employer Identification No.) 250 Glen Street Glens Falls New York 12801 (Address of principal executive offices) (Zip Code) Registrant's telephone number, including area code: 518 745-1000 Securities registered pursuant to Section 12( ...