The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AXALTA COATING SYS LTD FOREIGN EQUITIES G0750C108 5 200 SH   SOLE   200 0 0
LINDE PLC FOREIGN EQUITIES G5494J103 64 200 SH   DFND   200 0 0
MEDTRONIC PLC SHS FOREIGN EQUITIES G5960L103 33 300 SH   SOLE   300 0 0
MEDTRONIC PLC SHS FOREIGN EQUITIES G5960L103 19 175 SH   DFND   175 0 0
NORWEGIAN CRUISE LINE HLDG LSHS FOREIGN EQUITIES G66721104 2 100 SH   SOLE   100 0 0
CHUBB LIMITED COM FOREIGN EQUITIES H1467J104 107 500 SH   SOLE   500 0 0
ITURAN LOCATION & CONTROL LTD FOREIGN EQUITIES M6158M104 2 100 SH   DFND   100 0 0
LYONDELLBASELL INDUSTRIES N SHS FOREIGN EQUITIES N53745100 164 1,595 SH   SOLE   1,595 0 0
LYONDELLBASELL INDUSTRIES N SHS FOREIGN EQUITIES N53745100 10 100 SH   DFND   100 0 0
ROYAL CARIBBEAN CRUISES LTD FOREIGN EQUITIES V7780T103 3 35 SH   SOLE   35 0 0
AFLAC INC COMMON STOCK 001055102 39 600 SH   DFND   600 0 0
AT&T INC COMMON STOCK 00206R102 223 9,427 SH   SOLE   9,427 0 0
AT&T INC COMMON STOCK 00206R102 104 4,401 SH   DFND   2,697 1,704 0
ARK ETF TR INNOVATION ETF ETF/EQUITIES 00214Q104 3 50 SH   DFND   50 0 0
ARK ETF TR ARK SPACE EXPL ETF/EQUITIES 00214Q807 2 100 SH   DFND   100 0 0
ABBOTT LABS COMMON STOCK 002824100 830 7,015 SH   SOLE   7,015 0 0
ABBOTT LABS COMMON STOCK 002824100 65 550 SH   DFND   550 0 0
ABBVIE INC COMMON STOCK 00287Y109 1,230 7,585 SH   SOLE   7,585 0 0
ABBVIE INC COMMON STOCK 00287Y109 97 600 SH   DFND   600 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 50 200 SH   DFND   200 0 0
ALLETE INC COM NEW COMMON STOCK 018522300 17 250 SH   DFND   250 0 0
ALPHABET INC USD.001 COMMON STOCK 02079K107 14 5 SH   SOLE   5 0 0
ALPHABET INC USD.001 COMMON STOCK 02079K305 131 47 SH   SOLE   47 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 68 1,310 SH   SOLE   1,310 0 0
AMEREN CORP COM COMMON STOCK 023608102 54 574 SH   DFND   574 0 0
AMERICAN ELEC PWR INC COMMON STOCK 025537101 100 1,000 SH   SOLE   1,000 0 0
AMERICAN ELEC PWR INC COMMON STOCK 025537101 19 194 SH   DFND   194 0 0
AMGEN INC COMMON STOCK 031162100 30 125 SH   SOLE   125 0 0
ANALOG DEVICES INC COMMON STOCK 032654105 663 4,012 SH   SOLE   4,012 0 0
ANALOG DEVICES INC COMMON STOCK 032654105 58 350 SH   DFND   350 0 0
APA CORPORATION COMMON STOCK 03743Q108 8 200 SH   DFND   200 0 0
APPLE INCORPORATED COMMON STOCK 037833100 1,227 7,025 SH   SOLE   7,025 0 0
APPLIED MATERIALS INC COMMON STOCK 038222105 1,007 7,643 SH   SOLE   7,643 0 0
APPLIED MATERIALS INC COMMON STOCK 038222105 451 3,420 SH   DFND   3,420 0 0
ARCONIC CORPORATION COMMON STOCK 03966V107 2 75 SH   DFND   75 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 6 25 SH   SOLE   25 0 0
AVERY DENNISON CORP COMMON STOCK 053611109 292 1,680 SH   SOLE   1,680 0 0
AVERY DENNISON CORP COMMON STOCK 053611109 100 575 SH   DFND   575 0 0
BP PLC SPONSORED ADR FOREIGN EQUITIES 055622104 59 2,015 SH   SOLE   2,015 0 0
BANK OF AMERICA CORPORATION COMMON STOCK 060505104 61 1,488 SH   SOLE   1,488 0 0
BANK OF AMERICA CORPORATION COMMON STOCK 060505104 49 1,184 SH   DFND   1,184 0 0
BANK NEW YORK MELLON CORP COMMON STOCK 064058100 58 1,173 SH   SOLE   1,173 0 0
BANK NEW YORK MELLON CORP COMMON STOCK 064058100 13 271 SH   DFND   271 0 0
BARRICK GOLD CORP FOREIGN EQUITIES 067901108 12 500 SH   DFND   500 0 0
BAXTER INTL INC COMMON STOCK 071813109 29 375 SH   SOLE   375 0 0
BED BATH & BEYOND COMMON STOCK 075896100 2 100 SH   DFND   100 0 0
BERKSHIRE HATHAWAY B COMMON STOCK 084670702 778 2,205 SH   SOLE   2,205 0 0
BERKSHIRE HATHAWAY B COMMON STOCK 084670702 56 160 SH   DFND   160 0 0
BEST BUY INC COM COMMON STOCK 086516101 18 200 SH   SOLE   200 0 0
BHP BILLITON LIMITED FOREIGN EQUITIES 088606108 23 300 SH   DFND   300 0 0
BIOGEN IDEC INC COMMON STOCK 09062X103 87 415 SH   SOLE   415 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 104 1,425 SH   SOLE   1,425 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 27 375 SH   DFND   375 0 0
BROADCOM INC COMMON STOCK 11135F101 47 75 SH   SOLE   75 0 0
C H ROBINSON WORLDWIDE INC COMMON STOCK 12541W209 79 730 SH   SOLE   730 0 0
C H ROBINSON WORLDWIDE INC COMMON STOCK 12541W209 3 25 SH   DFND   25 0 0
CVS HEALTH CORP COMMON STOCK 126650100 276 2,730 SH   SOLE   2,730 0 0
CVS HEALTH CORP COMMON STOCK 126650100 153 1,510 SH   DFND   1,510 0 0
CAPITAL ONE FINL CORP COMMON STOCK 14040H105 98 750 SH   SOLE   750 0 0
CARDINAL HEALTH INC COMMON STOCK 14149Y108 111 1,965 SH   SOLE   1,965 0 0
CARDINAL HEALTH INC COMMON STOCK 14149Y108 6 100 SH   DFND   100 0 0
CARNIVAL CORP COMMON STOCK 143658300 6 300 SH   SOLE   300 0 0
CARRIER GLOBAL CORPORATION COMMON STOCK 14448C104 39 840 SH   SOLE   840 0 0
CARRIER GLOBAL CORPORATION COMMON STOCK 14448C104 5 100 SH   DFND   100 0 0
CATERPILLAR INC COMMON STOCK 149123101 798 3,580 SH   SOLE   3,580 0 0
CATERPILLAR INC COMMON STOCK 149123101 78 350 SH   DFND   350 0 0
CELANESE CORP DEL COMMON STOCK 150870103 46 325 SH   SOLE   325 0 0
CHEVRON CORPORATION COMMON STOCK 166764100 132 810 SH   SOLE   810 0 0
CHEVRON CORPORATION COMMON STOCK 166764100 8 50 SH   DFND   50 0 0
CHURCH & DWIGHT INC COMMON STOCK 171340102 12 125 SH   SOLE   125 0 0
CISCO SYS INC COMMON STOCK 17275R102 511 9,175 SH   SOLE   9,175 0 0
CISCO SYS INC COMMON STOCK 17275R102 84 1,500 SH   DFND   1,500 0 0
CINTAS CORP COMMON STOCK 172908105 698 1,642 SH   SOLE   1,642 0 0
CINTAS CORP COMMON STOCK 172908105 398 935 SH   DFND   935 0 0
CITIGROUP INC COMMON COMMON STOCK 172967424 30 570 SH   SOLE   570 0 0
CITIGROUP INC COMMON COMMON STOCK 172967424 4 74 SH   DFND   74 0 0
COCA COLA CO COMMON STOCK 191216100 357 5,760 SH   SOLE   5,760 0 0
COCA COLA CO COMMON STOCK 191216100 82 1,325 SH   DFND   1,325 0 0
COLGATE PALMOLIVE COMMON STOCK 194162103 66 875 SH   SOLE   875 0 0
COMCAST CORP CLASS A COMMON STOCK 20030N101 21 450 SH   SOLE   450 0 0
COMPASS DIVERSIFIED HOLDINGS SHARES PARTNERSHIPS 20451Q104 19 800 SH   DFND   800 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 117 1,170 SH   SOLE   1,170 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 86 860 SH   DFND   860 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 220 2,325 SH   SOLE   2,325 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 85 903 SH   DFND   903 0 0
CONSTELLATION ENERGY CORP COMMON STOCK 21037T109 21 382 SH   DFND   382 0 0
CONSTELLATION ENERGY CORP COMMON STOCK 21037T109 20 353 SH   DFND   353 0 0
CORNING INC COMMON STOCK 219350105 7 200 SH   DFND   200 0 0
COSTCO WHSL CORP NEW COMMON STOCK 22160K105 9 15 SH   SOLE   15 0 0
COWEN INC CL A NEW COMMON STOCK 223622606 14 500 SH   SOLE   500 0 0
CRACKER BARREL OLD CTRY STORCOM COMMON STOCK 22410J106 6 50 SH   DFND   50 0 0
CUMMINS INC COMMON STOCK 231021106 275 1,340 SH   SOLE   1,340 0 0
CUMMINS INC COMMON STOCK 231021106 5 25 SH   DFND   25 0 0
DARDEN RESTAURANTS INC COMMON STOCK 237194105 40 300 SH   SOLE   300 0 0
DARDEN RESTAURANTS INC COMMON STOCK 237194105 13 100 SH   DFND   100 0 0
DEERE & CO COMMON STOCK 244199105 503 1,210 SH   SOLE   1,210 0 0
DEERE & CO COMMON STOCK 244199105 42 100 SH   DFND   100 0 0
DISNEY WALT CO COMMON STOCK 254687106 95 693 SH   SOLE   693 0 0
DISCOVER FINL SVCS COMMON STOCK 254709108 64 585 SH   SOLE   585 0 0
DOW INC COMMON STOCK 260557103 35 552 SH   SOLE   552 0 0
DOW INC COMMON STOCK 260557103 11 170 SH   DFND   170 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102 13 170 SH   DFND   170 0 0
ETF SER SOLUTIONS US GLB JETS ETF/EQUITIES 26922A842 6 275 SH   SOLE   275 0 0
EMERSON ELEC CO COMMON STOCK 291011104 317 3,230 SH   SOLE   3,230 0 0
EMERSON ELEC CO COMMON STOCK 291011104 12 125 SH   DFND   125 0 0
ENBRIDGE INC FOREIGN EQUITIES 29250N105 5 98 SH   DFND   98 0 0
ENTERGY CORP NEW COMMON STOCK 29364G103 25 210 SH   DFND   210 0 0
ENTERPRISE PRODS PARTNERS L PARTNERSHIPS 293792107 10 394 SH   DFND   394 0 0
ESSENTIAL UTILS INC COMMON STOCK 29670G102 9 175 SH   SOLE   175 0 0
ESSENTIAL UTILS INC COMMON STOCK 29670G102 10 200 SH   DFND   200 0 0
EXELON CORP COMMON STOCK 30161N101 55 1,150 SH   SOLE   1,150 0 0
EXELON CORP COMMON STOCK 30161N101 50 1,060 SH   DFND   1,060 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102 202 2,450 SH   SOLE   2,450 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102 743 9,000 SH   DFND   9,000 0 0
META PLATFORMS INC COMMON STOCK 30303M102 92 415 SH   SOLE   415 0 0
FASTENAL CO COMMON STOCK 311900104 113 1,910 SH   SOLE   1,910 0 0
FASTENAL CO COMMON STOCK 311900104 27 450 SH   DFND   450 0 0
FEDEX CORP COMMON STOCK 31428X106 146 630 SH   SOLE   630 0 0
FIDELITY NATIONAL FINANCIAL FNF GROUP COMMON STOCK 31620R303 91 1,860 SH   SOLE   1,860 0 0
FIDELITY NATIONAL FINANCIAL FNF GROUP COMMON STOCK 31620R303 18 375 SH   DFND   375 0 0
FIFTH THIRD BANCORP COMMON STOCK 316773100 4 100 SH   SOLE   100 0 0
FISERV INC COMMON STOCK 337738108 124 1,225 SH   SOLE   1,225 0 0
FISERV INC COMMON STOCK 337738108 142 1,400 SH   DFND   1,400 0 0
FISKER INC CL A COM STK COMMON STOCK 33813J106 3 200 SH   DFND   200 0 0
FORD MTR CO DEL COM PAR $0.01 COMMON STOCK 345370860 42 2,500 SH   SOLE   2,500 0 0
FORD MTR CO DEL COM PAR $0.01 COMMON STOCK 345370860 11 650 SH   DFND   650 0 0
FORTIS INC FOREIGN EQUITIES 349553107 6 112 SH   DFND   112 0 0
FORTRESS TRANS INFRST INVS LCOM REP LTD LIAB COMMON STOCK 34960P101 8 300 SH   SOLE   300 0 0
FREEPORT-MCMORAN INC COMMON STOCK 35671D857 15 300 SH   DFND   300 0 0
FULTON FINANCIAL CORP COMMON STOCK 360271100 10 600 SH   DFND   600 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 24 100 SH   SOLE   100 0 0
GENERAL ELECTRIC CO COMMON STOCK 369604301 14 150 SH   SOLE   150 0 0
GENERAL MILLS INC COMMON STOCK 370334104 112 1,651 SH   SOLE   1,651 0 0
GENERAL MILLS INC COMMON STOCK 370334104 8 115 SH   DFND   115 0 0
GENERAL MOTORS COMMON STOCK 37045V100 13 300 SH   SOLE   300 0 0
GENTEX CORP COMMON STOCK 371901109 15 500 SH   DFND   500 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 44 740 SH   SOLE   740 0 0
GLAXOSMITHKLINE PLC SPONSORED ADR COMMON STOCK 37733W105 39 900 SH   SOLE   900 0 0
GLAXOSMITHKLINE PLC SPONSORED ADR COMMON STOCK 37733W105 4 100 SH   DFND   100 0 0
GODADDY INC CL A COMMON STOCK 380237107 33 400 SH   SOLE   400 0 0
GUESS INC COMMON STOCK 401617105 2 100 SH   DFND   100 0 0
HP INC COMMON STOCK 40434L105 120 3,318 SH   SOLE   3,318 0 0
HP INC COMMON STOCK 40434L105 29 800 SH   DFND   800 0 0
HARLEY-DAVIDSON COMMON STOCK 412822108 30 750 SH   SOLE   750 0 0
HARLEY-DAVIDSON COMMON STOCK 412822108 39 1,000 SH   DFND   1,000 0 0
HARTFORD FINL SVCS GROUP IN COMMON STOCK 416515104 25 350 SH   SOLE   350 0 0
HEWLETT PACKARD ENTERPRISE C COMMON STOCK 42824C109 8 450 SH   DFND   450 0 0
HOME DEPOT INC COMMON STOCK 437076102 319 1,065 SH   SOLE   1,065 0 0
HOWMET AEROSPACE INC COMMON STOCK 443201108 11 300 SH   DFND   300 0 0
HUNTINGTON BANCSHARES INC COMMON STOCK 446150104 3 200 SH   DFND   200 0 0
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109 614 2,933 SH   SOLE   2,933 0 0
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109 135 645 SH   DFND   645 0 0
INTEL CORP COMMON STOCK 458140100 541 10,921 SH   SOLE   10,921 0 0
INTEL CORP COMMON STOCK 458140100 31 625 SH   DFND   625 0 0
INTERNATIONAL BUSINESS MACHSCOM COMMON STOCK 459200101 488 3,756 SH   SOLE   3,756 0 0
INTERNATIONAL BUSINESS MACHSCOM COMMON STOCK 459200101 7 50 SH   DFND   50 0 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103 51 1,100 SH   SOLE   1,100 0 0
INTERPUBLIC GROUP COS INC COMMON STOCK 460690100 84 2,375 SH   SOLE   2,375 0 0
INTERPUBLIC GROUP COS INC COMMON STOCK 460690100 18 500 SH   DFND   500 0 0
ISHARES GOLD TR NPV ETF/EQUITIES 464285204 11 287 SH   SOLE   287 0 0
ISHARES GOLD TR NPV ETF/EQUITIES 464285204 2 51 SH   DFND   51 0 0
ISHARES MORNINGSTAR GROWTH ETF ETF/EQUITIES 464287119 71 1,090 SH   SOLE   1,090 0 0
ISHARES US TRANSPORTATION ETF ETF/EQUITIES 464287192 27 100 SH   SOLE   100 0 0
ISHARES TRUST MSCI ETF/EQUITIES 464287234 10 225 SH   SOLE   225 0 0
ISHARES TR MSCI EAFE ETF ETF/EQUITIES 464287465 25 340 SH   SOLE   340 0 0
ISHARES TR RUS MDCP VAL ETF ETF/EQUITIES 464287473 43 360 SH   SOLE   360 0 0
ISHARES TR RUS MID CAP ETF ETF/EQUITIES 464287499 102 1,303 SH   SOLE   1,303 0 0
ISHARES NORTH AMERICAN TECHNOLOGY ETF ETF/EQUITIES 464287549 167 430 SH   SOLE   430 0 0
ISHARES TR RUS 1000 VAL ETF ETF/EQUITIES 464287598 5 30 SH   SOLE   30 0 0
ISHARES S&P MIDCAP 400 GROWTH ETF ETF/EQUITIES 464287606 748 9,675 SH   SOLE   9,675 0 0
ISHARES S&P MIDCAP 400 GROWTH ETF ETF/EQUITIES 464287606 3 36 SH   DFND   36 0 0
ISHARES RUSSELL 2000 VAL ETF ETF/EQUITIES 464287630 281 1,742 SH   SOLE   1,742 0 0
ISHARES RUSSELL 2000 VAL ETF ETF/EQUITIES 464287630 32 200 SH   DFND   200 0 0
ISHARES TR RUS 2000 GRW ETF ETF/EQUITIES 464287648 38 150 SH   SOLE   150 0 0
ISHARES TR RUSSELL 2000 ETF ETF/EQUITIES 464287655 31 153 SH   SOLE   153 0 0
ISHARES US UTILS ETF ETF/EQUITIES 464287697 11 125 SH   SOLE   125 0 0
ISHARES S&P MIDCAP 400 VALUE INDEX ETF/EQUITIES 464287705 461 4,201 SH   SOLE   4,201 0 0
ISHARES S&P MIDCAP 400 VALUE INDEX ETF/EQUITIES 464287705 11 100 SH   DFND   100 0 0
ISHARES DOW JONES TECHNOLOGY ETF/EQUITIES 464287721 287 2,782 SH   SOLE   2,782 0 0
ISHARES TRUST ETF ETF/EQUITIES 464287754 188 1,780 SH   SOLE   1,780 0 0
DOW JONES US ENERGY SECTOR ETF/EQUITIES 464287796 81 1,970 SH   SOLE   1,970 0 0
ISHARES TR CORE S&P SCP ETF ETF/EQUITIES 464287804 240 2,225 SH   SOLE   2,225 0 0
ISHARES S&P 600 SMALL CAP GROWTH ETF ETF/EQUITIES 464287887 1,778 14,215 SH   SOLE   14,215 0 0
ISHARES S&P 600 SMALL CAP GROWTH ETF ETF/EQUITIES 464287887 652 5,209 SH   DFND   5,209 0 0
ISHARES MSCI KLD 400 SOCIAL INDEX FUND ETF/EQUITIES 464288570 113 1,300 SH   DFND   1,300 0 0
ISHARES TR INTRM GOV CR ETF ETF/FIXED INCOME 464288612 34 310 SH   SOLE   310 0 0
ISHARES TR CORE MSCI EAFE ETF/EQUITIES 46432F842 52 750 SH   SOLE   750 0 0
JPMORGAN CHASE & CO COMMON STOCK 46625H100 170 1,250 SH   SOLE   1,250 0 0
JPMORGAN CHASE & CO COMMON STOCK 46625H100 82 600 SH   DFND   600 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 994 5,608 SH   SOLE   5,608 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 395 2,230 SH   DFND   2,230 0 0
KELLOGG CO COMMON STOCK 487836108 18 275 SH   SOLE   275 0 0
KEYCORP NEW COMMON STOCK 493267108 2 100 SH   SOLE   100 0 0
KEYCORP NEW COMMON STOCK 493267108 7 335 SH   DFND   335 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 12 100 SH   SOLE   100 0 0
KOHL'S CORP COMMON STOCK 500255104 51 850 SH   SOLE   850 0 0
KOHL'S CORP COMMON STOCK 500255104 6 100 SH   DFND   100 0 0
KRAFT HEINZ CO COMMON STOCK 500754106 4 100 SH   DFND   100 0 0
KROGER CO COMMON STOCK 501044101 19 335 SH   SOLE   335 0 0
LILLY ELI & CO COMMON STOCK 532457108 73 255 SH   SOLE   255 0 0
LLOYDS BNKING GRP PLC ADR COMMON STOCK 539439109 0 205 SH   DFND   205 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 230 520 SH   SOLE   520 0 0
LOWES COS INC COMMON STOCK 548661107 854 4,225 SH   SOLE   4,225 0 0
LOWES COS INC COMMON STOCK 548661107 202 1,000 SH   DFND   1,000 0 0
LUMEN TECHNOLOGIES INC COMMON STOCK 550241103 34 3,000 SH   DFND   3,000 0 0
MSC INDL DIRECT INC CL A COMMON STOCK 553530106 120 1,405 SH   SOLE   1,405 0 0
MSC INDL DIRECT INC CL A COMMON STOCK 553530106 64 750 SH   DFND   750 0 0
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202 16 90 SH   SOLE   90 0 0
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202 88 500 SH   DFND   500 0 0
MCCORMICK & CO INC COMMON STOCK 579780206 10 100 SH   SOLE   100 0 0
MCCORMICK & CO INC COMMON STOCK 579780206 50 500 SH   DFND   500 0 0
MCDONALDS CORP COMMON STOCK 580135101 25 100 SH   DFND   100 0 0
MERCK & CO INC NEW COMMON STOCK 58933Y105 247 3,015 SH   SOLE   3,015 0 0
MERCK & CO INC NEW COMMON STOCK 58933Y105 94 1,144 SH   DFND   1,144 0 0
METLIFE INC COMMON STOCK 59156R108 81 1,157 SH   SOLE   1,157 0 0
MICROSOFT CORP COMMON STOCK 594918104 1,617 5,244 SH   SOLE   5,244 0 0
MICROSOFT CORP COMMON STOCK 594918104 367 1,190 SH   DFND   1,190 0 0
MICRON TECHNOLOGY INC COMMON STOCK 595112103 54 690 SH   SOLE   690 0 0
MICRON TECHNOLOGY INC COMMON STOCK 595112103 8 100 SH   DFND   100 0 0
MOSAIC CO NEW COMMON STOCK 61945C103 7 100 SH   DFND   100 0 0
MOTOROLA SOLUTIONS INC COMMON STOCK 620076307 10 42 SH   DFND   42 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 317 3,740 SH   DFND   3,740 0 0
NIKE INC COMMON STOCK 654106103 124 925 SH   SOLE   925 0 0
NOKIA CORP FOREIGN EQUITIES 654902204 1 197 SH   DFND   107 90 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 14 50 SH   SOLE   50 0 0
NORTHROP GRUMMAN CORP COMMON STOCK 666807102 127 285 SH   SOLE   285 0 0
NORWOOD FINANCIAL CORP COMMON STOCK 669549107 5,810 203,213 SH   SOLE   203,213 0 0
NORWOOD FINANCIAL CORP COMMON STOCK 669549107 5,349 187,109 SH   DFND   3,045 184,064 0
NUCOR CORP COMMON STOCK 670346105 249 1,675 SH   SOLE   1,675 0 0
NUCOR CORP COMMON STOCK 670346105 52 350 SH   DFND   350 0 0
OCCIDENTAL PETROLEUM CORP COMMON STOCK 674599105 27 475 SH   SOLE   475 0 0
OCCIDENTAL PETROLEUM CORP COMMON STOCK 674599105 3 50 SH   DFND   50 0 0
OCCIDENTAL PETE CORP W EXP 99/99/9999 WARRANTS & RIGHTS 674599162 5 128 SH   SOLE   128 0 0
OCCIDENTAL PETE CORP W EXP 99/99/9999 WARRANTS & RIGHTS 674599162 1 18 SH   DFND   18 0 0
OCEANFIRST FINANCIAL CORP COMMON STOCK 675234108 44 2,200 SH   DFND   2,200 0 0
OLD REP INTL CORP COMMON STOCK 680223104 18 690 SH   SOLE   690 0 0
OLIN CORP COMMON STOCK 680665205 3 50 SH   SOLE   50 0 0
OLIN CORP COMMON STOCK 680665205 5 100 SH   DFND   100 0 0
ORACLE CORP COMMON STOCK 68389X105 215 2,600 SH   DFND   2,600 0 0
ORGANON & CO COMMON STOCK 68622V106 10 300 SH   SOLE   300 0 0
ORGANON & CO COMMON STOCK 68622V106 4 114 SH   DFND   114 0 0
OTIS WORLDWIDE CORP COMMON STOCK 68902V107 32 420 SH   SOLE   420 0 0
OTIS WORLDWIDE CORP COMMON STOCK 68902V107 4 50 SH   DFND   50 0 0
PNC FINL SVCS GROUP INC COMMON STOCK 693475105 5 25 SH   SOLE   25 0 0
PPL CORP COMMON STOCK 69351T106 179 6,273 SH   SOLE   6,273 0 0
PPL CORP COMMON STOCK 69351T106 100 3,500 SH   DFND   3,500 0 0
PACCAR INC COMMON STOCK 693718108 18 200 SH   SOLE   200 0 0
PAYCHEX INC COMMON STOCK 704326107 14 100 SH   SOLE   100 0 0
PEPSICO INC COMMON STOCK 713448108 323 1,930 SH   SOLE   1,930 0 0
PEPSICO INC COMMON STOCK 713448108 111 664 SH   DFND   664 0 0
PERKIN ELMER COMMON STOCK 714046109 298 1,710 SH   SOLE   1,710 0 0
PERKIN ELMER COMMON STOCK 714046109 82 470 SH   DFND   470 0 0
PFIZER INC COMMON STOCK 717081103 649 12,527 SH   SOLE   12,527 0 0
PFIZER INC COMMON STOCK 717081103 78 1,511 SH   DFND   1,511 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109 68 726 SH   SOLE   726 0 0
PHILLIPS 66 COMMON STOCK 718546104 31 360 SH   SOLE   360 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 402 2,630 SH   SOLE   2,630 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 49 321 SH   DFND   321 0 0
PRUDENTIAL FINL INC COMMON STOCK 744320102 9 75 SH   SOLE   75 0 0
PUBLIC SVC ENTERPRISE GROUP COMMON STOCK 744573106 43 610 SH   SOLE   610 0 0
PUBLIC SVC ENTERPRISE GROUP COMMON STOCK 744573106 20 288 SH   DFND   288 0 0
QUALCOMM INC COMMON STOCK 747525103 45 293 SH   SOLE   293 0 0
QUEST DIAGNOSTICS INC COMMON STOCK 74834L100 60 435 SH   SOLE   435 0 0
RMR GROUP INC CL A COMMON STOCK 74967R106 3 110 SH   DFND   110 0 0
RPM INTL INC COMMON STOCK 749685103 31 375 SH   SOLE   375 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 41 410 SH   SOLE   410 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 5 50 SH   DFND   50 0 0
REGIONS FINL CORP NEW COMMON STOCK 7591EP100 2 100 SH   SOLE   100 0 0
RIO TINTO PLC SPONSORED ADR COMMON STOCK 767204100 16 200 SH   DFND   200 0 0
SPDR S&P 500 ETF TRUST ETF/EQUITIES 78462F103 489 1,082 SH   SOLE   1,082 0 0
SPDR S&P 500 ETF TRUST ETF/EQUITIES 78462F103 68 150 SH   DFND   150 0 0
SPDR GOLD TRUST ETF/EQUITIES 78463V107 11 60 SH   SOLE   60 0 0
SPDR SER TR S&P TRANSN ETF ETF/EQUITIES 78464A532 18 200 SH   SOLE   200 0 0
SPDR S&P BIOTECH ETF ETF/EQUITIES 78464A870 25 275 SH   SOLE   275 0 0
SPDR S&P MID CAP 400 ETF ETF/EQUITIES 78467Y107 28 57 SH   SOLE   57 0 0
SPDR SER TR S&P OILGAS EXP ETF/EQUITIES 78468R556 12 88 SH   SOLE   88 0 0
SAN JUAN BASIN RTY TR UNIT BEN INT COMMON STOCK 798241105 3 302 SH   DFND   302 0 0
SCHLUMBERGER LTD FOREIGN EQUITIES 806857108 13 325 SH   SOLE   325 0 0
SELECT SECTOR SPDR FUND MATERIALS ETF/EQUITIES 81369Y100 104 1,177 SH   SOLE   1,177 0 0
SELECT SECTOR SPDR FUND MATERIALS ETF/EQUITIES 81369Y100 11 125 SH   DFND   125 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE ETF/EQUITIES 81369Y209 897 6,545 SH   SOLE   6,545 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE ETF/EQUITIES 81369Y209 42 305 SH   DFND   305 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS ETF/EQUITIES 81369Y308 343 4,520 SH   SOLE   4,520 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS ETF/EQUITIES 81369Y308 14 185 SH   DFND   185 0 0
CONSUMER DISCRETIONARY SELECT SECTOR SPDR ETF/EQUITIES 81369Y407 525 2,836 SH   SOLE   2,836 0 0
CONSUMER DISCRETIONARY SELECT SECTOR SPDR ETF/EQUITIES 81369Y407 4 20 SH   DFND   20 0 0
SELECT SECTOR SPDRFUND ENERGY ETF/EQUITIES 81369Y506 153 2,005 SH   SOLE   2,125 0 0
SELECT SECTOR SPDRFUND ENERGY ETF/EQUITIES 81369Y506 8 105 SH   DFND   105 0 0
FINANCIAL SELECT SPDR ETF/EQUITIES 81369Y605 153 4,005 SH   SOLE   4,005 0 0
SELECT SECTOR SPDR TR TECHNOLOGY ETF/EQUITIES 81369Y803 1,072 6,745 SH   SOLE   6,745 0 0
SELECT SECTOR SPDR TR TECHNOLOGY ETF/EQUITIES 81369Y803 16 100 SH   DFND   100 0 0
SELECT SECTOR SPDR TR COMMUNICATION ETF/EQUITIES 81369Y852 63 915 SH   SOLE   915 0 0
SELECT SECTOR SPDR FUND ETF/EQUITIES 81369Y886 19 260 SH   SOLE   260 0 0
SERVICE PPTYS TR COM SH BEN INT COMMON STOCK 81761L102 5 567 SH   DFND   567 0 0
SONOCO PRODS CO COMMON STOCK 835495102 84 1,350 SH   SOLE   1,350 0 0
SOUTHERN CO COMMON STOCK 842587107 171 2,355 SH   SOLE   2,355 0 0
SOUTHERN CO COMMON STOCK 842587107 131 1,803 SH   DFND   1,803 0 0
STARBUCKS CORP COMMON STOCK 855244109 57 625 SH   SOLE   625 0 0
STONEX GROUP INC COMMON STOCK 861896108 7 100 SH   SOLE   100 0 0
STRYKER CORP COMMON STOCK 863667101 67 250 SH   DFND   250 0 0
SUNCOR ENERGY INC NEW FOREIGN EQUITIES 867224107 10 300 SH   DFND   300 0 0
SYLVAMO CORP COMMON STOCK 871332102 3 90 SH   SOLE   90 0 0
SYNIVUS FINL CORP COMMON STOCK 87161C501 5 100 SH   SOLE   100 0 0
SYSCO CORP COMMON STOCK 871829107 537 6,580 SH   SOLE   6,580 0 0
SYSCO CORP COMMON STOCK 871829107 69 850 SH   DFND   850 0 0
TARGET CORP COMMON STOCK 87612E106 192 905 SH   SOLE   905 0 0
TARGET CORP COMMON STOCK 87612E106 87 408 SH   DFND   408 0 0
TESLA INC COMMON STOCK 88160R101 11 10 SH   DFND   10 0 0
TEVA PHARMACEUTICAL FOREIGN EQUITIES 881624209 0 50 SH   DFND   50 0 0
THERMO FISHER SCIENTIFIC COMMON STOCK 883556102 89 150 SH   SOLE   150 0 0
THERMO FISHER SCIENTIFIC COMMON STOCK 883556102 109 185 SH   DFND   185 0 0
3M CO COMMON STOCK 88579Y101 468 3,145 SH   SOLE   3,145 0 0
3M CO COMMON STOCK 88579Y101 62 415 SH   DFND   415 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109 57 310 SH   SOLE   310 0 0
TRUIST FINL CORP COMMON STOCK 89832Q109 37 649 SH   SOLE   649 0 0
TRUIST FINL CORP COMMON STOCK 89832Q109 3 50 SH   DFND   50 0 0
US BANCORP COMMON STOCK 902973304 5 100 SH   SOLE   100 0 0
UNION PAC CORP COMMON STOCK 907818108 43 156 SH   SOLE   156 0 0
UNITED PARCEL SERVICE INC CL B COMMON STOCK 911312106 97 450 SH   SOLE   450 0 0
UNITED PARCEL SERVICE INC CL B COMMON STOCK 911312106 11 50 SH   DFND   50 0 0
US STEEL CORPORATION COMMON STOCK 912909108 61 1,625 SH   SOLE   1,625 0 0
V F CORP COMMON STOCK 918204108 6 100 SH   SOLE   100 0 0
VALERO ENERGY COMMON STOCK 91913Y100 4 40 SH   SOLE   40 0 0
VALERO ENERGY COMMON STOCK 91913Y100 10 100 SH   DFND   100 0 0
VALLEY NATIONAL BANCORP COMMON STOCK 919794107 41 3,152 SH   SOLE   3,152 0 0
VANGUARD DIVIDEND APPRECIATION ETF ETF/EQUITIES 921908844 1,123 6,924 SH   SOLE   6,924 0 0
VANGUARD DIVIDEND APPRECIATION ETF ETF/EQUITIES 921908844 135 830 SH   DFND   830 0 0
VANGUARD US MOMENTUM ETF ETF/EQUITIES 921935508 530 4,193 SH   SOLE   4,193 0 0
VANGUARD US MOMENTUM ETF ETF/EQUITIES 921935508 4 30 SH   DFND   30 0 0
VANGUARD TAX MANAGED INTL FDFTSE DEV MKT ETF ETF/EQUITIES 921943858 484 10,076 SH   SOLE   10,076 0 0
VANGUARD HIGH DIVIDEND YIELD ETF ETF/EQUITIES 921946406 632 5,630 SH   SOLE   5,630 0 0
VANGUARD HIGH DIVIDEND YIELD ETF ETF/EQUITIES 921946406 36 321 SH   DFND   321 0 0
VANGUARD ENERGY ETF ETF/EQUITIES 92204A306 74 690 SH   SOLE   690 0 0
VANGUARD WORLD FDS FINANCIALS ETF ETF/EQUITIES 92204A405 485 5,195 SH   SOLE   5,195 0 0
VANGUARD WORLD FDS FINANCIALS ETF ETF/EQUITIES 92204A405 9 100 SH   DFND   100 0 0
VANGUARD HEALTHCARE ETF ETF/EQUITIES 92204A504 248 973 SH   SOLE   973 0 0
VANGUARD INDUSTRIALS ETF ETF/EQUITIES 92204A603 310 1,596 SH   SOLE   1,596 0 0
VANGUARD INDUSTRIALS ETF ETF/EQUITIES 92204A603 22 113 SH   DFND   113 0 0
VANGUARD MATERIALS ETF ETF/EQUITIES 92204A801 254 1,308 SH   SOLE   1,308 0 0
VANGUARD MATERIALS ETF ETF/EQUITIES 92204A801 6 31 SH   DFND   31 0 0
VANGUARD UTILITIES ETF ETF/EQUITIES 92204A876 119 736 SH   SOLE   736 0 0
VANGUARD UTILITIES ETF ETF/EQUITIES 92204A876 10 60 SH   DFND   60 0 0
VANGUARD MSCI EMERGING MARKETS ETF ETF/EQUITIES 922042858 388 8,421 SH   SOLE   8,421 0 0
VANGUARD MSCI EMERGING MARKETS ETF ETF/EQUITIES 922042858 103 2,223 SH   DFND   2,223 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD ETF/FIXED INCOME 92206C409 2,185 27,979 SH   SOLE   27,979 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD ETF/FIXED INCOME 92206C409 258 3,300 SH   DFND   3,300 0 0
VANGUARD SCOTTSDALE FDS INT TERM CORP ETF/FIXED INCOME 92206C870 1,127 13,103 SH   SOLE   22,801 0 0
VANGUARD SCOTTSDALE FDS INT TERM CORP ETF/FIXED INCOME 92206C870 143 1,660 SH   DFND   1,660 0 0
VANGUARD SMALL CAP GROWTH ETF ETF/EQUITIES 922908595 229 922 SH   SOLE   922 0 0
VANGUARD SMALL CAP GROWTH ETF ETF/EQUITIES 922908595 3 11 SH   DFND   11 0 0
VANGUARD EXTENDED MID BLEND ETF ETF/EQUITIES 922908652 35 210 SH   SOLE   210 0 0
VANGUARD LARGE CAP GROWTH ETF ETF/EQUITIES 922908736 3,115 10,831 SH   SOLE   10,831 0 0
VANGUARD LARGE CAP GROWTH ETF ETF/EQUITIES 922908736 66 230 SH   DFND   230 0 0
VANGUARD LARGE CAP VALUE ETF ETF/EQUITIES 922908744 1,604 10,851 SH   SOLE   10,851 0 0
VANGUARD LARGE CAP VALUE ETF ETF/EQUITIES 922908744 37 252 SH   DFND   252 0 0
VANGUARD TOTAL STOCK MARKET ETF ETF/EQUITIES 922908769 624 2,739 SH   SOLE   2,739 0 0
VANGUARD TOTAL STOCK MARKET ETF ETF/EQUITIES 922908769 68 300 SH   DFND   300 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 264 5,190 SH   SOLE   5,190 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 108 2,129 SH   DFND   1,649 480 0
VIATRIS INC COMMON STOCK 92556V106 15 1,373 SH   SOLE   1,373 0 0
VIATRIS INC COMMON STOCK 92556V106 2 153 SH   DFND   153 0 0
VISA INC COMMON STOCK 92826C839 17 75 SH   SOLE   75 0 0
WABTEC COMMON STOCK 929740108 1 6 SH   DFND   6 0 0
WAL MART STORES INC COMMON STOCK 931142103 693 4,655 SH   SOLE   4,655 0 0
WAL MART STORES INC COMMON STOCK 931142103 34 225 SH   DFND   225 0 0
WALGREENS BOOTS ALLIANCE INCCOM COMMON STOCK 931427108 108 2,405 SH   SOLE   2,405 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109 143 900 SH   SOLE   900 0 0
WATTS WATER TECHNOLOGIES INC COMMON STOCK 942749102 49 350 SH   SOLE   350 0 0
WELLS FARGO COMMON STOCK 949746101 7 150 SH   SOLE   150 0 0
WELLS FARGO COMMON STOCK 949746101 5 100 SH   DFND   100 0 0
WESTERN DIGITAL CORP COMMON STOCK 958102105 5 100 SH   SOLE   100 0 0
WESTERN UNION COMMON COMMON STOCK 959802109 44 2,360 SH   SOLE   2,360 0 0
WESTERN UNION COMMON COMMON STOCK 959802109 7 400 SH   DFND   400 0 0
YUM BRANDS INC COMMON STOCK 988498101 12 100 SH   DFND   100 0 0