Form 13f Holdings Report (13f-hr)

The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.

The reader should not assume that the information is accurate and complete.

	UNITED STATES SECURITIES AND EXCHANGE COMMISSION	OMB APPROVAL
	Washington, D.C. 20549 FORM 13F	OMB Number:   3235-0006 Expires:          July 31, 2015 Estimated average burden hours per response:       23.8

FORM 13F COVER PAGE

Report for the Calendar Year or Quarter Ended:

12-31-2019

Check here if Amendment:		Amendment Number:
This Amendment (Check only one.):		is a restatement.
		adds new holdings entries.

Institutional Investment Manager Filing this Report:

Name:	ADIRONDACK TRUST CO
Address:	473 BROADWAY
	SARATOGA SPRINGS	NY	12866

Form 13F File Number:

028-11929

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

Person Signing this Report on Behalf of Reporting Manager:

Name:	Jennifer Wiesen
Title:	Wealth Management Operations Assistant
Phone:	518-584-5844

Signature, Place, and Date of Signing:

Jennfier Wiesen	Saratoga Springs,  NEW YORK	02-11-2020
[Signature]	[City, State]	[Date]

Do you wish to provide information pursuant to Special Instruction 5?

Yes      X  No

Report Type (Check only one.):

X  13F HOLDINGS REPORT. (Check here if all holdings of this reporting manager are reported in this report.)

     13F NOTICE. (Check here if no holdings reported are in this report, and all holdings are reported by other reporting manager(s).)

     13F COMBINATION REPORT. (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)