<SEC-DOCUMENT>0000717538-23-000236-index.html : 20231107
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<ACCEPTANCE-DATETIME>20231107110957
ACCESSION NUMBER:		0000717538-23-000236
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		6
CONFORMED PERIOD OF REPORT:	20231103
FILED AS OF DATE:		20231107
DATE AS OF CHANGE:		20231107

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			Kaiser David D
		CENTRAL INDEX KEY:			0001632209

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-12507
		FILM NUMBER:		231382338

	MAIL ADDRESS:	
		STREET 1:		AMETHYST DRIVE
		CITY:			QUEENSBURY
		STATE:			NY
		ZIP:			12804

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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<SEQUENCE>2
<FILENAME>kaiserpoa2023executed.htm
<DESCRIPTION>EX-24
<TEXT>
Document 2 - file: kaiserpoa2023executed.htm

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<SEQUENCE>3
<FILENAME>kaiserpoa2023executed001.jpg
<TEXT>
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<SEQUENCE>4
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<TEXT>
Document 4 - file: kaiserpoa2023executed002.jpg

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<SEQUENCE>5
<FILENAME>kaiserpoa2023executed003.jpg
<TEXT>
Document 5 - file: kaiserpoa2023executed003.jpg

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<TYPE>GRAPHIC
<SEQUENCE>6
<FILENAME>kaiserpoa2023executed004.jpg
<TEXT>
Document 6 - file: kaiserpoa2023executed004.jpg

</DOCUMENT>
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