<SEC-DOCUMENT>0001184681-23-000002-index.html : 20231012
<SEC-HEADER>0001184681-23-000002.hdr.sgml : 20231012
<ACCEPTANCE-DATETIME>20231012150655
ACCESSION NUMBER:		0001184681-23-000002
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		6
CONFORMED PERIOD OF REPORT:	20231011
FILED AS OF DATE:		20231012
DATE AS OF CHANGE:		20231012

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			KRUCZLNICKI DAVID G
		CENTRAL INDEX KEY:			0001184681

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-12507
		FILM NUMBER:		231322536

	MAIL ADDRESS:	
		STREET 1:		GLENS FALLS HOSPITAL
		STREET 2:		100 PARK STREET
		CITY:			GLENS FALLS
		STATE:			NY
		ZIP:			12801

ISSUER:		

	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

	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>4
<SEQUENCE>1
<FILENAME>wk-form4_1697137606.xml
<DESCRIPTION>FORM 4
<TEXT>
Document 1 - file: wk-form4_1697137606.html

Document 1 - RAW XML: wk-form4_1697137606.xml

</DOCUMENT>
<DOCUMENT>
<TYPE>EX-24
<SEQUENCE>2
<FILENAME>kruczlnickipoa2023execut.htm
<DESCRIPTION>EX-24
<TEXT>
Document 2 - file: kruczlnickipoa2023execut.htm

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>3
<FILENAME>kruczlnickipoa2023execut001.jpg
<TEXT>
Document 3 - file: kruczlnickipoa2023execut001.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>4
<FILENAME>kruczlnickipoa2023execut002.jpg
<TEXT>
Document 4 - file: kruczlnickipoa2023execut002.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>5
<FILENAME>kruczlnickipoa2023execut003.jpg
<TEXT>
Document 5 - file: kruczlnickipoa2023execut003.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>6
<FILENAME>kruczlnickipoa2023execut004.jpg
<TEXT>
Document 6 - file: kruczlnickipoa2023execut004.jpg

</DOCUMENT>
</SEC-DOCUMENT>