<SEC-DOCUMENT>0000717538-22-000091-index.html : 20220325
<SEC-HEADER>0000717538-22-000091.hdr.sgml : 20220325
<ACCEPTANCE-DATETIME>20220325074407
ACCESSION NUMBER:		0000717538-22-000091
CONFORMED SUBMISSION TYPE:	DEF 14A
PUBLIC DOCUMENT COUNT:		18
CONFORMED PERIOD OF REPORT:	20220325
FILED AS OF DATE:		20220325
DATE AS OF CHANGE:		20220325

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:		22768248

	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>
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<TYPE>DEF 14A
<SEQUENCE>1
<FILENAME>arrow2022proxystatement.htm
<DESCRIPTION>DEF 14A
<TEXT>
Document 1 - file: arrow2022proxystatement.htm

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Document 2 - file: afclogostackedbwa06.jpg

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Document 3 - file: arrowfinancialcorporation_a.jpg

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<SEQUENCE>4
<FILENAME>arrowfinancialcorporation_b.jpg
<TEXT>
Document 4 - file: arrowfinancialcorporation_b.jpg

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<TEXT>
Document 5 - file: chart-1b715a201983402ebc5.jpg

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Document 6 - file: chart-4e29b139d0424987b89.jpg

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Document 8 - file: colinlread_21xbw.jpg

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Document 9 - file: davidgkruczlnicki_21xbw.jpg

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<TEXT>
Document 10 - file: elizabethamiller_15xbw.jpg

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<TEXT>
Document 11 - file: garycdake_18xbw.jpg

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Document 12 - file: gregoryjchampion_21xbw.jpg

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<TEXT>
Document 13 - file: marklbehan_15xbw.jpg

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<TEXT>
Document 14 - file: raymondfoconor_16xbw.jpg

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<SEQUENCE>15
<FILENAME>teneercasaccio_21xbw.jpg
<TEXT>
Document 15 - file: teneercasaccio_21xbw.jpg

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<TEXT>
Document 16 - file: thomasjmurphy_21xbw.jpg

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<SEQUENCE>17
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<TEXT>
Document 17 - file: thomaslhoy_12xbw.jpg

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<TYPE>GRAPHIC
<SEQUENCE>18
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<TEXT>
Document 18 - file: williamlowens_21xbw.jpg

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