    <SEC-DOCUMENT>0000717538-20-000071-index.html : 20200327
    <SEC-HEADER>0000717538-20-000071.hdr.sgml : 20200327
    <ACCEPTANCE-DATETIME>20200327103235
    ACCESSION NUMBER:		0000717538-20-000071
    CONFORMED SUBMISSION TYPE:	DEF 14A
    PUBLIC DOCUMENT COUNT:		7
    CONFORMED PERIOD OF REPORT:	20200327
    FILED AS OF DATE:		20200327
    DATE AS OF CHANGE:		20200327
    EFFECTIVENESS DATE:		20200327

    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:		20748803

    	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>arrow2020proxystatement.htm
    <DESCRIPTION>DEF 14A
    <TEXT>
    Document 1 - file: arrow2020proxystatement.htm

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>2
    <FILENAME>afclogostackedbwa04.jpg
    <TEXT>
    Document 2 - file: afclogostackedbwa04.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>3
    <FILENAME>chart-3b5755ae4fd4ced3c81.jpg
    <TEXT>
    Document 3 - file: chart-3b5755ae4fd4ced3c81.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>4
    <FILENAME>chart-504972e60c12381ab23.jpg
    <TEXT>
    Document 4 - file: chart-504972e60c12381ab23.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>5
    <FILENAME>chart-b9c165c375fe7365415.jpg
    <TEXT>
    Document 5 - file: chart-b9c165c375fe7365415.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>6
    <FILENAME>finalafcprxygt20p3237120.jpg
    <TEXT>
    Document 6 - file: finalafcprxygt20p3237120.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>7
    <FILENAME>finalafcprxygt20p3237120a01.jpg
    <TEXT>
    Document 7 - file: finalafcprxygt20p3237120a01.jpg

    </DOCUMENT>
    </SEC-DOCUMENT>