<SEC-DOCUMENT>0000717538-16-000223-index.html : 20160325
<SEC-HEADER>0000717538-16-000223.hdr.sgml : 20160325
<ACCEPTANCE-DATETIME>20160325155457
ACCESSION NUMBER:		0000717538-16-000223
CONFORMED SUBMISSION TYPE:	DEF 14A
PUBLIC DOCUMENT COUNT:		4
CONFORMED PERIOD OF REPORT:	20160504
FILED AS OF DATE:		20160325
DATE AS OF CHANGE:		20160325
EFFECTIVENESS DATE:		20160325

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			ARROW FINANCIAL CORP
		CENTRAL INDEX KEY:			0000717538
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				222448962
		STATE OF INCORPORATION:			NY
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		DEF 14A
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-12507
		FILM NUMBER:		161529770

	BUSINESS ADDRESS:	
		STREET 1:		250 GLEN ST
		CITY:			GLENS FALLS
		STATE:			NY
		ZIP:			12801
		BUSINESS PHONE:		5184154299

	MAIL ADDRESS:	
		STREET 1:		250 GLEN STREET
		CITY:			GLENS FALLS
		STATE:			NY
		ZIP:			12801

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ARROW BANK CORP
		DATE OF NAME CHANGE:	19900710
</SEC-HEADER>
<DOCUMENT>
<TYPE>DEF 14A
<SEQUENCE>1
<FILENAME>arrow2016proxystatement.htm
<DESCRIPTION>DEF 14A
<TEXT>
Document 1 - file: arrow2016proxystatement.htm

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>2
<FILENAME>a2016proxycardpage1.jpg
<TEXT>
Document 2 - file: a2016proxycardpage1.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>3
<FILENAME>a2016proxycardpage2.jpg
<TEXT>
Document 3 - file: a2016proxycardpage2.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>4
<FILENAME>afclogoa02.jpg
<TEXT>
Document 4 - file: afclogoa02.jpg

</DOCUMENT>
</SEC-DOCUMENT>