<SEC-DOCUMENT>0000717538-19-000101-index.html : 20190329
<SEC-HEADER>0000717538-19-000101.hdr.sgml : 20190329
<ACCEPTANCE-DATETIME>20190329131742
ACCESSION NUMBER:		0000717538-19-000101
CONFORMED SUBMISSION TYPE:	DEF 14A
PUBLIC DOCUMENT COUNT:		9
CONFORMED PERIOD OF REPORT:	20190329
FILED AS OF DATE:		20190329
DATE AS OF CHANGE:		20190329
EFFECTIVENESS DATE:		20190329

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:		19715310

	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>arrow2019proxystatement.htm
<DESCRIPTION>DEF 14A
<TEXT>
Document 1 - file: arrow2019proxystatement.htm

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>2
<FILENAME>aonlybwa04.jpg
<TEXT>
Document 2 - file: aonlybwa04.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>3
<FILENAME>aonlybwa05.jpg
<TEXT>
Document 3 - file: aonlybwa05.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>4
<FILENAME>aonlybwa06.jpg
<TEXT>
Document 4 - file: aonlybwa06.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>5
<FILENAME>aonlybwa07.jpg
<TEXT>
Document 5 - file: aonlybwa07.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>6
<FILENAME>arrowfinancialcorporationp25.jpg
<TEXT>
Document 6 - file: arrowfinancialcorporationp25.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>7
<FILENAME>arrowfinancialcorporationp26.jpg
<TEXT>
Document 7 - file: arrowfinancialcorporationp26.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>8
<FILENAME>compensationchart3a02.jpg
<TEXT>
Document 8 - file: compensationchart3a02.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>9
<FILENAME>compensationchart4a06.jpg
<TEXT>
Document 9 - file: compensationchart4a06.jpg

</DOCUMENT>
</SEC-DOCUMENT>