UNITED STATES SECURITIES AND EXCHANGE COMMISSION or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 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, includin ...