<SEC-DOCUMENT>0000717538-19-000095-index.html : 20190318
<SEC-HEADER>0000717538-19-000095.hdr.sgml : 20190318
<ACCEPTANCE-DATETIME>20190318154421
ACCESSION NUMBER:		0000717538-19-000095
CONFORMED SUBMISSION TYPE:	S-3
PUBLIC DOCUMENT COUNT:		3
FILED AS OF DATE:		20190318
DATE AS OF CHANGE:		20190318

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:		S-3
		SEC ACT:		1933 Act
		SEC FILE NUMBER:	333-230360
		FILM NUMBER:		19688099

	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>S-3
<SEQUENCE>1
<FILENAME>a2019s-3drip.htm
<DESCRIPTION>S-3
<TEXT>
Document 1 - file: a2019s-3drip.htm

</DOCUMENT>
<DOCUMENT>
<TYPE>EX-5.1
<SEQUENCE>2
<FILENAME>ex51-opinionofthompsoncobu.htm
<DESCRIPTION>EXHIBIT 5.1
<TEXT>
Document 2 - file: ex51-opinionofthompsoncobu.htm

</DOCUMENT>
<DOCUMENT>
<TYPE>EX-23.1
<SEQUENCE>3
<FILENAME>ex231-consentofkpmg.htm
<DESCRIPTION>EXHIBIT 23.1
<TEXT>
Document 3 - file: ex231-consentofkpmg.htm

</DOCUMENT>
</SEC-DOCUMENT>