<SEC-DOCUMENT>0000717538-22-000140-index.html : 20220509
<SEC-HEADER>0000717538-22-000140.hdr.sgml : 20220509
<ACCEPTANCE-DATETIME>20220509114316
ACCESSION NUMBER:		0000717538-22-000140
CONFORMED SUBMISSION TYPE:	S-8
PUBLIC DOCUMENT COUNT:		6
FILED AS OF DATE:		20220509
DATE AS OF CHANGE:		20220509
EFFECTIVENESS DATE:		20220509

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-8
		SEC ACT:		1933 Act
		SEC FILE NUMBER:	333-264787
		FILM NUMBER:		22903826

	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-8
<SEQUENCE>1
<FILENAME>forms-8arrow2022longxtermi.htm
<DESCRIPTION>S-8
<TEXT>
Document 1 - file: forms-8arrow2022longxtermi.htm

</DOCUMENT>
<DOCUMENT>
<TYPE>EX-FILING FEES
<SEQUENCE>2
<FILENAME>arow-ex107xfilingfeetabl.htm
<DESCRIPTION>EX-FILING FEES
<TEXT>
Document 2 - file: arow-ex107xfilingfeetabl.htm

</DOCUMENT>
<DOCUMENT>
<TYPE>EX-5
<SEQUENCE>3
<FILENAME>ex51-opinionofthompsoncobu.htm
<DESCRIPTION>EX-5
<TEXT>
Document 3 - file: ex51-opinionofthompsoncobu.htm

</DOCUMENT>
<DOCUMENT>
<TYPE>EX-15
<SEQUENCE>4
<FILENAME>ex15-awarenessletter2022lt.htm
<DESCRIPTION>EX-15
<TEXT>
Document 4 - file: ex15-awarenessletter2022lt.htm

</DOCUMENT>
<DOCUMENT>
<TYPE>EX-23
<SEQUENCE>5
<FILENAME>ex232-consentofkpmgx2022lt.htm
<DESCRIPTION>EX-23
<TEXT>
Document 5 - file: ex232-consentofkpmgx2022lt.htm

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>6
<FILENAME>arow-ex107xfilingfeetabl001.jpg
<TEXT>
Document 6 - file: arow-ex107xfilingfeetabl001.jpg

</DOCUMENT>
</SEC-DOCUMENT>