<SEC-DOCUMENT>0000717538-19-000105.txt : 20190501
<SEC-HEADER>0000717538-19-000105.hdr.sgml : 20190501
<ACCEPTANCE-DATETIME>20190401114409
<PRIVATE-TO-PUBLIC>
ACCESSION NUMBER:		0000717538-19-000105
CONFORMED SUBMISSION TYPE:	CORRESP
PUBLIC DOCUMENT COUNT:		2
FILED AS OF DATE:		20190401

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:		CORRESP

	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>CORRESP
<SEQUENCE>1
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<div><a name="sF8371C1BDC5EEE3CA6B6D94C600EB0B8"></a></div><div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:left;"><img src="afcletterheada01.jpg" alt="afcletterheada01.jpg" style="font-size:10.5pt;height:104px;width:624px;"></div><div style="line-height:120%;text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:120%;text-align:left;text-indent:192px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font></div><div style="line-height:120%;text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;">April 1, 2019 </font></div><div style="line-height:120%;text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:120%;text-align:left;text-indent:336px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font></div><div style="line-height:120%;text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;font-weight:bold;">VIA EDGAR AND EMAIL</font></div><div style="line-height:120%;text-align:justify;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:120%;text-align:justify;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;">Securities and Exchange Commission</font></div><div style="line-height:120%;text-align:justify;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;">100 F. Street, NE</font></div><div style="line-height:120%;text-align:justify;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;">Washington, DC 20549</font></div><div style="line-height:120%;text-align:justify;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:120%;text-align:justify;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;">Attention:  &#160;&#160;&#160;&#160;Mr. David Gessert</font></div><div style="line-height:120%;text-align:justify;padding-left:48px;text-indent:48px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;">Division of Corporate Finance</font></div><div style="line-height:120%;text-align:left;text-indent:96px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font></div><div style="line-height:120%;text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;">Re:&#160;&#160;&#160;&#160;Arrow Financial Corporation</font></div><div style="line-height:120%;text-align:left;padding-left:48px;text-indent:48px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;">Registration Statement on Form S-3 filed March 18, 2019 </font></div><div style="line-height:120%;text-align:left;padding-left:48px;text-indent:48px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;">File No. 333-230360</font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;">&#160;&#160;&#160;&#160;</font></div><div style="line-height:120%;text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;">Dear Mr. Gessert:</font></div><div style="line-height:120%;text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:120%;text-align:justify;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;">Pursuant to Rule 461 under the Securities Act of 1933, as amended, Arrow Financial Corporation (the &#8220;Company&#8221;) hereby requests acceleration of effectiveness of the above-referenced Registration Statement so that it will be declared effective at 4:00 p.m. Eastern Time on April 3, 2019, or as soon as practicable thereafter. </font></div><div style="line-height:120%;text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;">If you have any questions with respect to the foregoing, please contact me at (518) 745-1000.  Thank you very much.</font></div><div style="line-height:120%;text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:120%;text-align:left;text-indent:288px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;">Very truly yours,</font></div><div style="line-height:120%;text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:120%;text-align:left;text-indent:288px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;">ARROW FINANCIAL CORPORATION</font></div><div style="line-height:120%;text-align:justify;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:120%;text-align:justify;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:120%;text-align:justify;text-indent:281px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;">By:</font><font style="font-family:inherit;font-size:10.5pt;text-decoration:underline;">&#32;/s/ Edward J. Campanella&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font></div><div style="line-height:120%;text-align:justify;text-indent:288px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;">Edward J. Campanella</font></div><div style="line-height:120%;text-align:justify;text-indent:288px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;">Senior Vice President, Treasurer and </font></div><div style="line-height:120%;text-align:justify;text-indent:288px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;">Chief Financial Officer</font></div><div style="line-height:120%;text-align:justify;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:120%;text-align:justify;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;">cc:   &#160;&#160;&#160;&#160;Michele C. Kloeppel, Thompson Coburn LLP</font></div><div><br></div><div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div></div>	</body>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
