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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ALLEGION PLC FOREIGN EQUITIES G0176J109   59,787 568 SH   SOLE   568 0 0
ARCO PLATFORM LIMITED -CLASS A FOREIGN EQUITIES G04553106   8,437 625 SH   SOLE   625 0 0
ACCENTURE PLC INFORMATION TECHNOLOGY G1151C101   869,846 3,260 SH   SOLE   3,260 0 0
CAMBIUM NETWORKS CORPORATION FOREIGN EQUITIES G17766109   8,230 380 SH   SOLE   380 0 0
EATON CORP PLC INDUSTRIALS G29183103   177,193 1,129 SH   SOLE   1,129 0 0
INVESCO LIMITED FINANCIALS G491BT108   899 50 SH   SOLE   50 0 0
KINIKSA PHARMACEUTICALS LTD. -CLASS A FOREIGN EQUITIES G5269C101   13,107 875 SH   SOLE   875 0 0
APTIV PLC CONSUMER DISCRETIONARY G6095L109   3,259 35 SH   SOLE   35 0 0
NORWEGIAN CRUISE LINE HOLDINGS LTD CONSUMER DISCRETIONARY G66721104   1,224 100 SH   SOLE   100 0 0
NOVOCURE LIMITED HEALTHCARE G6674U108   7,335 100 SH   SOLE   100 0 0
SMART GLOBAL HOLDINGS INC. FOREIGN EQUITIES G8232Y101   5,059 340 SH   SOLE   340 0 0
VINCI PARTNERS INVESTMENTS LTD. - CLASS A FINANCIALS G9451V109   7,729 855 SH   SOLE   855 0 0
FIVERR INTERNATIONAL LTD. FOREIGN EQUITIES M4R82T106   7,865 270 SH   SOLE   270 0 0
JFROG LTD FOREIGN EQUITIES M6191J100   7,355 345 SH   SOLE   345 0 0
WIX.COM LTD INFORMATION TECHNOLOGY M98068105   9,834 128 SH   SOLE   128 0 0
ASML HOLDING N V N Y REGISTRY SHS FOREIGN EQUITIES N07059210   16,391 30 SH   SOLE   30 0 0
FLEXTRONICS INTL INFORMATION TECHNOLOGY Y2573F102   32,175 1,500 SH   SOLE   1,500 0 0
AFLAC INC. FINANCIALS 001055102   1,151 16 SH   SOLE   16 0 0
AT&T INC. COMMUNICATION SERVICES 00206R102   660,688 35,908 SH   SOLE   35,848 0 60
AT&T INC. COMMUNICATION SERVICES 00206R102   106,168 5,770 SH   DFND   4,710 1,060 0
ARK AUTONOMOUS TECHNOLOGY & ROBOTICS ETF INFORMATION TECHNOLOGY 00214Q203   11,685 285 SH   SOLE   285 0 0
ABBOTT LABS HEALTHCARE 002824100   857,657 7,812 SH   SOLE   7,412 400 0
ABBOTT LABS HEALTHCARE 002824100   132,296 1,205 SH   DFND   0 1,205 0
ABBVIE INC. HEALTHCARE 00287Y109   2,227,586 13,784 SH   SOLE   13,289 495 0
ABBVIE INC. HEALTHCARE 00287Y109   382,206 2,365 SH   DFND   1,250 1,115 0
ACTIVISION BLIZZARD, INC. INFORMATION TECHNOLOGY 00507V109   184,306 2,408 SH   SOLE   2,408 0 0
ADOBE INC INFORMATION TECHNOLOGY 00724F101   366,788 1,090 SH   SOLE   1,090 0 0
AECOM TECHNOLOGY CORP INFORMATION TECHNOLOGY 00766T100   1,358 16 SH   SOLE   16 0 0
ADVANCED MICRO DEVICES INC INFORMATION TECHNOLOGY 007903107   405,635 6,263 SH   SOLE   6,263 0 0
ADVANCED MICRO DEVICES INC INFORMATION TECHNOLOGY 007903107   6,477 100 SH   DFND   0 0 100
INVESCO INTERNATIONAL GROWTH FUND MUTUAL FUND 008882532   1,405 71 SH   SOLE   71 0 0
AIR PRODUCTS & CHEMICALS INC MATERIALS 009158106   445,740 1,446 SH   SOLE   1,446 0 0
ALIGN TECHNOLOGY INC. HEALTHCARE 016255101   2,109 10 SH   SOLE   10 0 0
ALLSTATE CORP FINANCIALS 020002101   149,160 1,100 SH   SOLE   800 300 0
ALTRIA GROUP, INC. CONSUMER STAPLES 02209S103   180,282 3,945 SH   SOLE   3,945 0 0
AMAZON. COM, INC CONSUMER DISCRETIONARY 023135106   3,286,836 39,129 SH   SOLE   38,929 200 0
AMAZON. COM, INC CONSUMER DISCRETIONARY 023135106   16,800 200 SH   DFND   200 0 0
AMERICAN ELEC PWR INC UTILITIES 025537101   109,856 1,157 SH   SOLE   1,157 0 0
AMERICAN EXPRESS FINANCIALS 025816109   335,970 2,274 SH   SOLE   2,237 0 37
AMERICAN EXPRESS FINANCIALS 025816109   25,856 175 SH   DFND   0 175 0
AMERICAN TOWER CORPORATION COMMUNICATION SERVICES 03027X100   787,033 3,715 SH   SOLE   3,715 0 0
AMERICAN WATER WORKS INC. CONSUMER DISCRETIONARY 030420103   5,487 36 SH   SOLE   36 0 0
AMERIPRISE FINANCIAL INC. FINANCIALS 03076C106   24,597 79 SH   SOLE   79 0 0
AMGEN INCORPORATED HEALTHCARE 031162100   575,924 2,193 SH   SOLE   2,193 0 0
AMGEN INCORPORATED HEALTHCARE 031162100   127,111 484 SH   DFND   484 0 0
AMKOR TECHNOLOGY INC INFORMATION TECHNOLOGY 031652100   3,595 150 SH   SOLE   150 0 0
ANIXA BIOSCIENCES INC. HEALTHCARE 03528H109   29,750 7,000 SH   SOLE   7,000 0 0
APPIAN CORPORATION INFORMATION TECHNOLOGY 03782L101   9,114 280 SH   SOLE   280 0 0
APPLE INC INFORMATION TECHNOLOGY 037833100   9,884,873 76,079 SH   SOLE   74,599 1,400 80
APPLE INC INFORMATION TECHNOLOGY 037833100   353,407 2,720 SH   DFND   2,560 160 0
APPLE HOSPITALTIY REIT INC COMMON SHARES REAL ESTATE 03784Y200   2,540 161 SH   SOLE   161 0 0
APPLIED MATL INC INFORMATION TECHNOLOGY 038222105   861,887 8,851 SH   SOLE   8,851 0 0
ARCHER DANIELS MIDLAND CO CONSUMER STAPLES 039483102   4,642 50 SH   SOLE   50 0 0
ARISTA NETWORKS INC. INFORMATION TECHNOLOGY 040413106   29,124 240 SH   SOLE   240 0 0
ARROW FINANCIAL CORPORATION FINANCIALS 042744102   689,626 20,349 SH   SOLE   20,349 0 0
ASTRAZENECA PLC - ADR HEALTHCARE 046353108   28,471 420 SH   SOLE   420 0 0
AUTODESK INC. INFORMATION TECHNOLOGY 052769106   9,343 50 SH   SOLE   50 0 0
AUTOMATIC DATA PROCESSING INC INFORMATION TECHNOLOGY 053015103   815,220 3,413 SH   SOLE   3,113 300 0
AUTOMATIC DATA PROCESSING INC INFORMATION TECHNOLOGY 053015103   217,361 910 SH   DFND   0 910 0
AXON ENTERPRISE INC COM INDUSTRIALS 05464C101   41,482 250 SH   SOLE   250 0 0
BCE INC FOREIGN EQUITIES 05534B760   5,713 130 SH   SOLE   130 0 0
BP P.L.C. ENERGY 055622104   65,421 1,873 SH   SOLE   1,873 0 0
BP PRUDHOE BAY ROYALTY TRUST ENERGY 055630107   1,168 100 SH   SOLE   100 0 0
BM TECHNOLOGIES INC. INDUSTRIALS 05591L107   4,584 880 SH   SOLE   880 0 0
BAIDU INC - SPON ADR INFORMATION TECHNOLOGY 056752108   1,372 12 SH   SOLE   12 0 0
BANDWIDTH INC INFORMATION TECHNOLOGY 05988J103   2,983 130 SH   SOLE   130 0 0
BANK OF AMERICA CORP FINANCIALS 060505104   732,837 22,134 SH   SOLE   22,134 0 0
BANK OF NEW YORK MELLON CORP FINANCIALS 064058100   522,385 11,476 SH   SOLE   11,476 0 0
BAOUZUN INC-SPN ADR FOREIGN EQUITIES 06684L103   397 75 SH   SOLE   75 0 0
BARRICK GOLD CORP MATERIALS 067901108   2,319 135 SH   SOLE   135 0 0
BAXTER INTERNATIONAL INC. HEALTHCARE 071813109   50,970 1,000 SH   SOLE   1,000 0 0
BEAM GLOBAL COMMON STOCK ENERGY 07373B109   5,238 300 SH   SOLE   300 0 0
BECTON DICKINSON & CO HEALTHCARE 075887109   359,065 1,412 SH   SOLE   1,177 235 0
BERKSHIRE HATHAWAY INC. DEL CLASS B FINANCIALS 084670702   3,028,302 9,804 SH   SOLE   9,804 0 0
BERKSHIRE HATHAWAY INC. DEL CLASS B FINANCIALS 084670702   11,428 37 SH   DFND   0 37 0
BEST BUY CONSUMER DISCRETIONARY 086516101   26,068 325 SH   SOLE   325 0 0
BIOGEN INC HEALTHCARE 09062X103   22,428 81 SH   SOLE   81 0 0
BLACK HILLS CORPORATION UTILITIES 092113109   21,102 300 SH   SOLE   300 0 0
BLACKROCK INC FINANCIALS 09247X101   1,095,514 1,546 SH   SOLE   1,546 0 0
BLACKROCK INC FINANCIALS 09247X101   10,629 15 SH   DFND   0 15 0
BLINK CHARGING CO. - COMMON STOCK CONSUMER DISCRETIONARY 09354A100   6,460 589 SH   SOLE   589 0 0
BLOOM ENERGY CORP COM CL A ENERGY 093712107   3,822 200 SH   SOLE   200 0 0
BOEING INDUSTRIALS 097023105   390,690 2,051 SH   SOLE   2,051 0 0
BOEING INDUSTRIALS 097023105   85,720 450 SH   DFND   50 400 0
BOSTON SCIENTIFIC CORP HEALTHCARE 101137107   52,284 1,130 SH   SOLE   1,130 0 0
BRISTOL MYERS SQUIBB CO HEALTHCARE 110122108   1,968,001 27,353 SH   SOLE   25,353 2,000 0
BRISTOL MYERS SQUIBB CO HEALTHCARE 110122108   292,475 4,065 SH   DFND   3,000 1,065 0
CBOE GLOBAL MARKETS, INC. FINANCIALS 12503M108   12,547 100 SH   SOLE   100 0 0
CME GROUP INC. FINANCIALS 12572Q105   3,867 23 SH   SOLE   23 0 0
CRA INTERNATIONAL INC. INDUSTRIALS 12618T105   12,855 105 SH   SOLE   105 0 0
CSX CORPORATION INDUSTRIALS 126408103   757,028 24,444 SH   SOLE   24,444 0 0
CSX CORPORATION INDUSTRIALS 126408103   111,492 3,600 SH   DFND   3,600 0 0
CVS HEALTH CORP CONSUMER STAPLES 126650100   1,009,408 10,832 SH   SOLE   10,832 0 0
COTERRA ENERGY INC ENERGY 127097103   24,560 1,000 SH   SOLE   1,000 0 0
CANADIAN IMPERIAL BANK OF COMMERCE FINANCIALS 136069101   6,067 150 SH   SOLE   150 0 0
CANADIAN NATIONAL RAILWAY CO FOREIGN EQUITIES 136375102   4,755 40 SH   SOLE   40 0 0
CANADIAN PACIFIC RAILWAY LTD FOREIGN EQUITIES 13645T100   157,383 2,110 SH   SOLE   2,110 0 0
CANADIAN SOLAR INC COM ENERGY 136635109   15,445 500 SH   SOLE   500 0 0
CAPITAL ONE FINANCIAL CORP FINANCIALS 14040H105   8,365 90 SH   SOLE   90 0 0
CARGURUS INC COM CL A CONSUMER DISCRETIONARY 141788109   14,010 1,000 SH   SOLE   1,000 0 0
CARRIER GLOBAL CORPORATION INDUSTRIALS 14448C104   174,891 4,240 SH   SOLE   3,540 700 0
CARRIER GLOBAL CORPORATION INDUSTRIALS 14448C104   42,692 1,035 SH   DFND   655 380 0
CASEY'S GENERAL STORES INC CONSUMER DISCRETIONARY 147528103   15,704 70 SH   SOLE   70 0 0
CATERPILLAR INC INDUSTRIALS 149123101   1,989,506 8,305 SH   SOLE   8,210 70 25
CATERPILLAR INC INDUSTRIALS 149123101   352,150 1,470 SH   DFND   1,025 445 0
CENOVUS ENERGY INC. ENERGY 15135U109   485 25 SH   SOLE   25 0 0
CENTERPOINT ENERGY, INC UTILITIES 15189T107   32,978 1,100 SH   SOLE   1,100 0 0
CENTERPOINT ENERGY, INC UTILITIES 15189T107   119,920 4,000 SH   DFND   4,000 0 0
CENTESSA PHARMACEUTICALS PLC HEALTHCARE 152309100   2,858 925 SH   SOLE   925 0 0
CHEGG INC COM CONSUMER DISCRETIONARY 163092109   6,317 250 SH   SOLE   250 0 0
CHEVRON CORPORATION ENERGY 166764100   2,501,135 13,935 SH   SOLE   13,552 383 0
CHEVRON CORPORATION ENERGY 166764100   357,361 1,991 SH   DFND   1,486 505 0
CHICO'S FASHION INC CONSUMER DISCRETIONARY 168615102   9,963 2,025 SH   SOLE   2,025 0 0
CIENA CORP INFORMATION TECHNOLOGY 171779309   1,529 30 SH   SOLE   30 0 0
CISCO SYSTEMS INC. INFORMATION TECHNOLOGY 17275R102   1,569,178 32,946 SH   SOLE   32,381 500 65
CISCO SYSTEMS INC. INFORMATION TECHNOLOGY 17275R102   62,156 1,305 SH   DFND   30 1,275 0
CIRRUS LOGIC INC INFORMATION TECHNOLOGY 172755100   7,447 100 SH   SOLE   100 0 0
CITIGROUP INC. FINANCIALS 172967424   270,212 5,976 SH   SOLE   5,976 0 0
CITIGROUP INC. FINANCIALS 172967424   59,012 1,305 SH   DFND   1,305 0 0
CITIZENS FINANCIAL GROUP INC. COMMON STOCK FINANCIALS 174610105   5,392 137 SH   SOLE   137 0 0
CLEARPOINT NEURO INC. HEALTHCARE 18507C103   7,453 880 SH   SOLE   880 0 0
CLOROX COMPANY CONSUMER STAPLES 189054109   84,195 600 SH   SOLE   600 0 0
CLOROX COMPANY CONSUMER STAPLES 189054109   28,066 200 SH   DFND   0 200 0
COCA COLA CO CONSUMER STAPLES 191216100   1,731,673 27,224 SH   SOLE   24,669 2,555 0
COCA COLA CO CONSUMER STAPLES 191216100   268,115 4,215 SH   DFND   3,430 785 0
COGNIZANT TECHNOLOGY SOLUTIONS CORP INFORMATION TECHNOLOGY 192446102   6,975 122 SH   SOLE   122 0 0
COLGATE PALMOLIVE CONSUMER STAPLES 194162103   918,904 11,663 SH   SOLE   11,628 0 35
COLGATE PALMOLIVE CONSUMER STAPLES 194162103   125,589 1,594 SH   DFND   1,374 220 0
COMCAST CORP NEW CL A CONSUMER DISCRETIONARY 20030N101   275,692 7,884 SH   SOLE   7,884 0 0
COMPASS PATHWAYS PLC HEALTHCARE 20451W101   4,055 505 SH   SOLE   505 0 0
CONOCOPHILLIPS ENERGY 20825C104   398,604 3,378 SH   SOLE   3,378 0 0
CONOCOPHILLIPS ENERGY 20825C104   2,360 20 SH   DFND   20 0 0
CONSOLIDATED EDISON INC UTILITIES 209115104   31,356 329 SH   SOLE   329 0 0
CORNERSTONE STRATEGIC VALUE FUND INC. FINANCIALS 21924B302   2,616 355 SH   SOLE   355 0 0
CORNING INC INFORMATION TECHNOLOGY 219350105   384,435 12,040 SH   SOLE   12,040 0 0
COSTCO WHSL CORP NEW CONSUMER STAPLES 22160K105   787,444 1,725 SH   SOLE   1,725 0 0
COUPA SOFTWARE INC COM INFORMATION TECHNOLOGY 22266L106   7,917 100 SH   SOLE   100 0 0
CROSSAMERICA PARTNERS LP ENERGY 22758A105   109,010 5,500 SH   SOLE   5,500 0 0
CUBESMART COM REAL ESTATE 229663109   4,668 116 SH   SOLE   116 0 0
CUMMINS INC INDUSTRIALS 231021106   168,386 695 SH   SOLE   695 0 0
CUMMINS INC INDUSTRIALS 231021106   26,651 110 SH   DFND   110 0 0
DNP SELECT INCOME FUND INC FIXED INCOME 23325P104   21,375 1,900 SH   SOLE   1,900 0 0
D R HORTON INC CONSUMER DISCRETIONARY 23331A109   37,884 425 SH   SOLE   425 0 0
DTE ENERGY CO UTILITIES 233331107   59,466 506 SH   SOLE   506 0 0
DTE ENERGY CO UTILITIES 233331107   81,683 695 SH   DFND   695 0 0
DANAHER CORP HEALTHCARE 235851102   1,089,218 4,104 SH   SOLE   4,104 0 0
DANAHER CORP HEALTHCARE 235851102   167,207 630 SH   DFND   500 130 0
DATADOG INC CLASS A INFORMATION TECHNOLOGY 23804L103   31,237 425 SH   SOLE   425 0 0
DAVITA INC. HEALTHCARE 23918K108   19,413 260 SH   SOLE   260 0 0
DEERE & CO (JOHN DEERE) INDUSTRIALS 244199105   801,772 1,870 SH   SOLE   1,660 210 0
DELTA AIR LINES INC CONSUMER DISCRETIONARY 247361702   14,951 455 SH   SOLE   455 0 0
DEVON ENERGY CORPORATION NEW ENERGY 25179M103   94,531 1,537 SH   SOLE   1,537 0 0
DIAGEO PLC CONSUMER DISCRETIONARY 25243Q205   30,647 172 SH   SOLE   172 0 0
DIAMONDBACK ENERGY INC. ENERGY 25278X109   30,774 225 SH   SOLE   225 0 0
DISNEY (WALT) COMPANY HOLDING CO CONSUMER DISCRETIONARY 254687106   1,109,678 12,773 SH   SOLE   12,748 0 25
DISNEY (WALT) COMPANY HOLDING CO CONSUMER DISCRETIONARY 254687106   113,637 1,308 SH   DFND   220 1,088 0
DISCOVER FINANCIAL SERVICES FINANCIALS 254709108   43,045 440 SH   SOLE   440 0 0
DOCEBO INC. INFORMATION TECHNOLOGY 25609L105   4,472 135 SH   SOLE   135 0 0
DOCUSIGN INC INFORMATION TECHNOLOGY 256163106   13,023 235 SH   SOLE   235 0 0
DOLLAR GENERAL CORP CONSUMER DISCRETIONARY 256677105   29,550 120 SH   SOLE   120 0 0
DOLLAR TREE, INC. CONSUMER DISCRETIONARY 256746108   28,288 200 SH   SOLE   200 0 0
DOMINION ENERGY, INC. UTILITIES 25746U109   244,620 3,990 SH   SOLE   3,990 0 0
DOMINION ENERGY, INC. UTILITIES 25746U109   64,988 1,060 SH   DFND   1,060 0 0
DOMINO'S PIZZA INC CONSUMER DISCRETIONARY 25754A201   25,631 74 SH   SOLE   74 0 0
DONALDSON COMPANY INC CONSUMER DISCRETIONARY 257651109   64,746 1,100 SH   SOLE   1,100 0 0
DOW INC. MATERIALS 260557103   340,645 6,762 SH   SOLE   6,250 512 0
DOW INC. MATERIALS 260557103   71,539 1,420 SH   DFND   1,420 0 0
DREAM FINDERS HOMES INC. - CLASS A CONSUMER DISCRETIONARY 26154D100   5,325 615 SH   SOLE   615 0 0
DUKE ENERGY CORPORATION NEW ENERGY 26441C204   469,487 4,559 SH   SOLE   4,559 0 0
DUKE ENERGY CORPORATION NEW ENERGY 26441C204   82,597 802 SH   DFND   802 0 0
EOG RESOURCES INC ENERGY 26875P101   5,828 45 SH   SOLE   45 0 0
EBAY INC CONSUMER DISCRETIONARY 278642103   8,582 207 SH   SOLE   207 0 0
ECOLAB INC. MATERIALS 278865100   10,917 75 SH   SOLE   75 0 0
EDISON INTERNATIONAL UTILITIES 281020107   636 10 SH   SOLE   10 0 0
ELECTRONIC ARTS INC INFORMATION TECHNOLOGY 285512109   6,719 55 SH   SOLE   55 0 0
EMERSON ELECTRIC INDUSTRIALS 291011104   532,167 5,540 SH   SOLE   4,060 1,480 0
EMERSON ELECTRIC INDUSTRIALS 291011104   152,735 1,590 SH   DFND   0 1,590 0
ENBRIDGE INC ENERGY 29250N105   149,512 3,825 SH   SOLE   3,825 0 0
ENERGY TRANSFER LP COM UT LTD PTN ENERGY 29273V100   10,753 906 SH   SOLE   906 0 0
ENTERGY CORPORATION UTILITIES 29364G103   90,000 800 SH   DFND   800 0 0
ENTERPRISE PRODUCTS PARTNERS L.P. ENERGY 293792107   169,034 7,011 SH   SOLE   7,011 0 0
EQUITY RESIDENTIAL SHARES OF BENEFICIAL INT FINANCIALS 29476L107   2,950 50 SH   SOLE   50 0 0
ESPEY MFG. & ELECTRONICS CORP INDUSTRIALS 296650104   81,607 5,747 SH   SOLE   5,747 0 0
ESPEY MFG. & ELECTRONICS CORP INDUSTRIALS 296650104   2,840 200 SH   DFND   100 0 100
ETSY INC CONSUMER DISCRETIONARY 29786A106   19,763 165 SH   SOLE   165 0 0
EXACT SCIENCES CORP COM HEALTHCARE 30063P105   11,137 225 SH   SOLE   225 0 0
EXELON CORP UTILITIES 30161N101   64,395 1,490 SH   SOLE   1,215 275 0
EXELON CORP UTILITIES 30161N101   47,109 1,090 SH   DFND   1,090 0 0
EXXON MOBIL CORP ENERGY 30231G102   2,111,443 19,143 SH   SOLE   14,338 4,805 0
EXXON MOBIL CORP ENERGY 30231G102   568,152 5,151 SH   DFND   2,217 2,934 0
F.N.B. CORPORATION FINANCIALS 302520101   7,177 550 SH   SOLE   550 0 0
META PLATFORMS INC INFORMATION TECHNOLOGY 30303M102   661,598 5,498 SH   SOLE   5,498 0 0
META PLATFORMS INC INFORMATION TECHNOLOGY 30303M102   8,423 70 SH   DFND   70 0 0
FAIR ISAAC CORPORATION INFORMATION TECHNOLOGY 303250104   8,978 15 SH   SOLE   15 0 0
FASTLY INC CLASS A INFORMATION TECHNOLOGY 31188V100   2,538 310 SH   SOLE   310 0 0
FATHOM HOLDINGS INC. REAL ESTATE 31189V109   977 230 SH   SOLE   230 0 0
FEDEX CORPORATION INDUSTRIALS 31428X106   132,314 764 SH   SOLE   764 0 0
FEDEX CORPORATION INDUSTRIALS 31428X106   21,650 125 SH   DFND   125 0 0
FIDELITY MSCI INFORMATION TECHNOLOGY INDEX ETF INFORMATION TECHNOLOGY 316092808   216,899 2,295 SH   SOLE   2,295 0 0
FIFTH THIRD BANCORP FINANCIALS 316773100   22,140 675 SH   SOLE   675 0 0
1STDIBS.COM INC INFORMATION TECHNOLOGY 320551104   4,851 955 SH   SOLE   955 0 0
FIRST TRUST NASDAQ CLEAN EDGE GREEN ENERGY ETF ENERGY 33733E500   76,711 1,626 SH   SOLE   1,626 0 0
FIRST TR EXCHANGE TRAD FD VIFST TR GLB FD Exchange Traded Funds - Equity 33739H101   12,386 506 SH   SOLE   506 0 0
FIRSTENERGY CORP UTILITIES 337932107   2,306 55 SH   SOLE   55 0 0
FORD MOTOR CO DEL CONSUMER DISCRETIONARY 345370860   21,957 1,888 SH   SOLE   1,888 0 0
FORTIVE CORPORATION INFORMATION TECHNOLOGY 34959J108   6,425 100 SH   DFND   100 0 0
FREEPORT-MCMORAN COPPER & GOLD CLASS B MATERIALS 35671D857   21,850 575 SH   SOLE   575 0 0
FRESHPET INC CONSUMER STAPLES 358039105   3,957 75 SH   SOLE   75 0 0
FULGENT GENETICS INC. HEALTHCARE 359664109   25,601 860 SH   SOLE   860 0 0
ARTHUR J. GALLAGHER & CO. FINANCIALS 363576109   2,828 15 SH   SOLE   15 0 0
GAMESTOP CORP NEW CL A CONSUMER DISCRETIONARY 36467W109   221 12 SH   SOLE   12 0 0
GENERAL DYNAMICS CORPORATION INDUSTRIALS 369550108   731,908 2,950 SH   SOLE   2,950 0 0
GENERAL DYNAMICS CORPORATION INDUSTRIALS 369550108   16,127 65 SH   DFND   65 0 0
GENERAL MILLS, INC CONSUMER STAPLES 370334104   146,568 1,748 SH   SOLE   1,148 600 0
GENERAL MILLS, INC CONSUMER STAPLES 370334104   117,390 1,400 SH   DFND   1,400 0 0
GENUINE PARTS CONSUMER DISCRETIONARY 372460105   10,410 60 SH   SOLE   60 0 0
GILEAD SCIENCES, INC. HEALTHCARE 375558103   230,502 2,685 SH   SOLE   2,685 0 0
GINGKO BIOWORKS HOLDINGS INC MATERIALS 37611X100   2,938 1,739 SH   SOLE   1,739 0 0
GLADSTONE COMMERCIAL CORP CONSUMER DISCRETIONARY 376536108   23,032 1,245 SH   SOLE   1,245 0 0
GLADSTONE LAND CORPORATION REAL ESTATE 376549101   5,502 300 SH   SOLE   300 0 0
GLOBAL X MLP AND ENERGY INFRASTRUCTURE ETF ENERGY 37954Y293   14,670 360 SH   SOLE   360 0 0
GOLDMAN SACHS GROUP INC FINANCIALS 38141G104   6,867 20 SH   SOLE   20 0 0
THE GOODYEAR TIRE & RUBBER COMPANY-COMMON STOCK CONSUMER DISCRETIONARY 382550101   2,030 200 SH   SOLE   200 0 0
GUARDANT HEALTH INC. HEALTHCARE 40131M109   3,128 115 SH   SOLE   115 0 0
HSBC HOLDINGS PLC SPONS ADRS FINANCIALS 404280406   18,908 607 SH   SOLE   607 0 0
HARLEY DAVIDSON CONSUMER DISCRETIONARY 412822108   11,642 280 SH   SOLE   280 0 0
HELMERICH & PAYNE, INC. ENERGY 423452101   991 20 SH   SOLE   20 0 0
THE HERSHEY COMPANY CONSUMER STAPLES 427866108   36,124 156 SH   SOLE   156 0 0
HOME DEPOT INC CONSUMER DISCRETIONARY 437076102   2,973,367 9,414 SH   SOLE   8,409 1,005 0
HOME DEPOT INC CONSUMER DISCRETIONARY 437076102   328,484 1,040 SH   DFND   400 640 0
HONEYWELL INTERNATIONAL INC INDUSTRIALS 438516106   915,472 4,272 SH   SOLE   4,272 0 0
HUBSPOT INC. INFORMATION TECHNOLOGY 443573100   46,260 160 SH   SOLE   160 0 0
HUNTINGTON BANCSHARES INC. FINANCIALS 446150104   2,735 194 SH   SOLE   194 0 0
ILLINOIS TOOL WORKS INC. INDUSTRIALS 452308109   337,714 1,533 SH   SOLE   1,533 0 0
IMMUNITYBIO INC. HEALTHCARE 45256X103   2,281 450 SH   SOLE   450 0 0
INTEL CORP INFORMATION TECHNOLOGY 458140100   1,320,137 49,951 SH   SOLE   47,196 2,690 65
INTEL CORP INFORMATION TECHNOLOGY 458140100   210,482 7,964 SH   DFND   5,649 2,315 0
CORECARD CORPORATION INFORMATION TECHNOLOGY 45816D100   7,674 265 SH   SOLE   265 0 0
INTERACTIVE BROKERS GRO-CL A FINANCIALS 45841N107   18,087 250 SH   SOLE   250 0 0
INTERCONTINENTAL EXCHANGE INCOM FINANCIALS 45866F104   25,647 250 SH   SOLE   250 0 0
INTL BUSINESS MACHINES INFORMATION TECHNOLOGY 459200101   669,636 4,753 SH   SOLE   4,753 0 0
INTL BUSINESS MACHINES INFORMATION TECHNOLOGY 459200101   235,989 1,675 SH   DFND   753 922 0
INTERNATIONAL PAPER CO MATERIALS 460146103   145,442 4,200 SH   SOLE   4,165 0 35
INTUITIVE SURGICAL INC HEALTHCARE 46120E602   62,883 237 SH   SOLE   237 0 0
INVESCO S&P 500 EQUAL WEIGHT REAL ESTATE ETF REAL ESTATE 46137V290   17,373 565 SH   SOLE   565 0 0
INVESCO DYNAMIC BIOTECH & GENOME ETF HEALTHCARE 46137V787   44,443 700 SH   SOLE   700 0 0
INVESCO PREFERRED ETF EXCHANGE TRADED FUND-FIXED INC 46138E511   12,857 1,150 SH   SOLE   1,150 0 0
INVESCO GLOBAL WATER ETF EXCHANGE TRADED FUND - EQUITY 46138E651   48,960 1,500 SH   SOLE   1,500 0 0
INVESCO EXCH TRADED FD TR IISOLAR ETF ENERGY 46138G706   17,140 235 SH   SOLE   235 0 0
INVITAE CORP COM HEALTHCARE 46185L103   231 125 SH   SOLE   125 0 0
IQIYI, INC. - ADR INFORMATION TECHNOLOGY 46267X108   530 100 SH   SOLE   100 0 0
IROBOT CORPORATION INDUSTRIALS 462726100   1,443 30 SH   SOLE   30 0 0
ETF ISHARES SILVER TR MUTUAL FUND 46428Q109   83,896 3,810 SH   SOLE   3,810 0 0
ISHARES MSCI AUSTRALIA ETF MUTUAL FUND 464286103   6,666 300 SH   DFND   300 0 0
ISHARES MSCI CANADA ETF MUTUAL FUND 464286509   8,180 250 SH   DFND   250 0 0
ISHARES MSCI SWEDEN ETF MUTUAL FUND 464286756   9,696 300 SH   SOLE   300 0 0
ISHARES MSCI SOUTH KOREA CAPPED ETF EXCHANGE TRADED FUND - EQUITY 464286772   85,538 1,515 SH   SOLE   1,515 0 0
ISHARES S & P 100 ETF MUTUAL FUND 464287101   956,893 5,610 SH   SOLE   5,610 0 0
ISHARES SELECT DIVIDEND ETF EXCHANGE TRADED FUND - EQUITY 464287168   302,585 2,509 SH   SOLE   2,509 0 0
ISHARES TIPS BOND ETF EXCHANGE TRADED FUND-FIXED INC 464287176   5,480,531 51,490 SH   SOLE   51,005 0 485
ISHARES TIPS BOND ETF EXCHANGE TRADED FUND-FIXED INC 464287176   669,720 6,292 SH   DFND   5,985 307 0
ISHARES CORE S&P 500 ETF EXCHANGE TRADED FUND - EQUITY 464287200   43,798 114 SH   SOLE   114 0 0
ISHARES CORE TOTAL US AGGREGATE BOND ETF-W EXCHANGE TRADED FUND-FIXED INC 46428722W   1,013,640 10,451 SH   SOLE   10,451 0 0
ISHARES CORE TOTAL US AGGREGATE BOND ETF EXCHANGE TRADED FUND-FIXED INC 464287226   3,384,837 34,899 SH   SOLE   34,899 0 0
ISHARES MSCI EMERGING MARKETS ETF EXCHANGE TRADED FUND - EQUITY 464287234   43,194 1,140 SH   SOLE   1,140 0 0
ISHARES MSCI EAFE ETF FUND EXCHANGE TRADED FUND - EQUITY 464287465   686,341 10,458 SH   SOLE   10,458 0 0
ISHARES MSCI EAFE ETF FUND EXCHANGE TRADED FUND - EQUITY 464287465   13,126 200 SH   DFND   0 200 0
ISHARES RUSSELL MIDCAP ETF EXCHANGE TRADED FUND - EQUITY 464287499   240,390 3,564 SH   SOLE   3,564 0 0
ISHARES CORE S&P MID CAP ETF EXCHANGE TRADED FUND - EQUITY 464287507   602,784 2,492 SH   SOLE   2,492 0 0
ISHARES CORE S&P MID CAP ETF EXCHANGE TRADED FUND - EQUITY 464287507   36,283 150 SH   DFND   0 150 0
ISHARES NASDAQ BIOTECHNOLOGYETF HEALTHCARE 464287556   13,785 105 SH   SOLE   105 0 0
ISHARES RUSSELL 1000 VALUE INDEX FUND EXCHANGE TRADED FUND - EQUITY 464287598   497,863 3,283 SH   SOLE   3,283 0 0
ISHARES RUSSELL 1000 GROWTH ETF EXCHANGE TRADED FUND - EQUITY 464287614   1,289,289 6,018 SH   SOLE   6,018 0 0
ISHARES RUSSELL 2000 GROWTH ETF EXCHANGE TRADED FUND - EQUITY 464287648   353,955 1,650 SH   SOLE   1,650 0 0
ISHARES RUSSELL 2000 ETF EXCHANGE TRADED FUND - EQUITY 464287655   261,191 1,498 SH   SOLE   1,498 0 0
ISHARES U.S. TECHNOLOGY ETF INFORMATION TECHNOLOGY 464287721   33,520 450 SH   SOLE   450 0 0
ISHARES U.S. HEALTHCARE ETF HEALTHCARE 464287762   5,674 20 SH   SOLE   20 0 0
ISHARES U.S. FINANCIAL ETF FINANCIALS 464287788   35,470 470 SH   SOLE   470 0 0
ISHARES CORE S&P SMALL-CAP ETF EXCHANGE TRADED FUND - EQUITY 464287804   3,236,371 34,197 SH   SOLE   34,117 0 80
ISHARES CORE S&P SMALL-CAP ETF EXCHANGE TRADED FUND - EQUITY 464287804   179,624 1,898 SH   DFND   540 1,358 0
ISHARES S&P SMALLCAP 600 GROWTH INDEX FD Exchange Traded Funds - Equity 464287887   8,645 80 SH   SOLE   80 0 0
ISHARES S&P SHORT TERM NATIONAL AMT- FREE BD ETF EXCHANGE TRADED FUND-FIXED INC 464288158   10,427 100 SH   SOLE   100 0 0
ETF ISHARES GLOBAL CLEAN ENERGY ENERGY 464288224   103,601 5,222 SH   SOLE   5,222 0 0
ISHARES CORE US REIT ETF REAL ESTATE 464288521   17,554 355 SH   SOLE   355 0 0
ISHARES MSCI KLD 400 SOCIAL MUTUAL FUND 464288570   47,381 660 SH   SOLE   660 0 0
ISHARES 1-3 YEAR CREDIT BOND ETF ETF's - Fixed Income 464288646   20,422 410 SH   SOLE   410 0 0
ISHARES DOW JONES US HOME CONSTRUCTION INDEX EXCHANGE TRADED FUND - EQUITY 464288752   31,815 525 SH   SOLE   525 0 0
ISHARES MSCI USA ESG SELECT EXCHANGE TRADED FUND - EQUITY 464288802   162,149 1,970 SH   SOLE   1,970 0 0
ISHARES U.S. MEDICAL DEVICES ETF Exchange Traded Funds - Equity 464288810   9,198 175 SH   SOLE   175 0 0
ISHARES MSCI EAFE GROWTH ETF EXCHANGE TRADED FUND - EQUITY 464288885   64,327 768 SH   SOLE   768 0 0
ISHARES MSCI SINGAPORE ETF EXCHANGE TRADED FUND - EQUITY 46434G780   4,962 264 SH   DFND   264 0 0
ISSUER DIRECT CORPORATION INFORMATION TECHNOLOGY 46520M204   8,012 320 SH   SOLE   320 0 0
JPMORGAN CHASE & CO COM FINANCIALS 46625H100   2,938,494 21,913 SH   SOLE   20,873 1,015 25
JPMORGAN CHASE & CO COM FINANCIALS 46625H100   130,747 975 SH   DFND   945 30 0
JD.COM INC.-ADR CONSUMER DISCRETIONARY 47215P106   3,929 70 SH   SOLE   70 0 0
JINKOSOLAR HOLDING COMPANY LTD ENERGY 47759T100   1,022 25 SH   SOLE   25 0 0
JOHNSON & JOHNSON HEALTHCARE 478160104   4,116,400 23,303 SH   SOLE   22,139 1,134 30
JOHNSON & JOHNSON HEALTHCARE 478160104   591,773 3,350 SH   DFND   1,385 1,965 0
KELLOGG COMPANY CONSUMER STAPLES 487836108   14,248 200 SH   SOLE   200 0 0
KELLOGG COMPANY CONSUMER STAPLES 487836108   90,261 1,267 SH   DFND   1,267 0 0
KEYCORP NEW COM FINANCIALS 493267108   9,436 542 SH   SOLE   542 0 0
KIMBERLY CLARK CONSUMER STAPLES 494368103   223,985 1,650 SH   SOLE   1,650 0 0
KIMBERLY CLARK CONSUMER STAPLES 494368103   135,750 1,000 SH   DFND   1,000 0 0
KINDER MORGAN INC. ENERGY 49456B101   8,492 470 SH   SOLE   470 0 0
L3HARRIS TECHNOLOGIES INC. COMMON STOCK INDUSTRIALS 502431109   16,656 80 SH   SOLE   80 0 0
LABORATORY CORPORATION OF AMERICAN HOLDINGS HEALTHCARE 50540R409   28,257 120 SH   SOLE   120 0 0
LAM RESEARCH CORP COMMON HEALTHCARE 512807108   21,854 52 SH   SOLE   52 0 0
LEGGETT & PLATT CONSUMER DISCRETIONARY 524660107   1,772 55 SH   SOLE   55 0 0
LENNAR COPORATION CLASS A CONSUMER DISCRETIONARY 526057104   44,345 490 SH   SOLE   490 0 0
LENNAR CORPORATION CLASS B CONSUMER DISCRETIONARY 526057302   74 1 SH   SOLE   1 0 0
ELI LILLY & CO HEALTHCARE 532457108   1,559,871 4,264 SH   SOLE   4,264 0 0
ELI LILLY & CO HEALTHCARE 532457108   303,638 830 SH   DFND   750 80 0
LINCOLN ELECTRIC HOLDING INC INDUSTRIALS 533900106   62,130 430 SH   SOLE   430 0 0
LITHIA MOTORS INC CL A CONSUMER DISCRETIONARY 536797103   20,474 100 SH   SOLE   100 0 0
LITTELFUSE INC INFORMATION TECHNOLOGY 537008104   11,010 50 SH   SOLE   50 0 0
LOCKHEED MARTIN CORP INDUSTRIALS 539830109   2,502,894 5,145 SH   SOLE   4,825 320 0
LOCKHEED MARTIN CORP INDUSTRIALS 539830109   432,967 890 SH   DFND   890 0 0
LOOMIS SAYLES BOND FUND FIXED INCOME 543495840   91,753 8,084 SH   SOLE   8,084 0 0
LOWES COMPANIES INC CONSUMER DISCRETIONARY 548661107   535,947 2,690 SH   SOLE   2,615 0 75
LOWES COMPANIES INC CONSUMER DISCRETIONARY 548661107   47,816 240 SH   DFND   240 0 0
LULULEMON ATHLETICA INC CONSUMER DISCRETIONARY 550021109   12,815 40 SH   SOLE   40 0 0
LUMEN TECHNOLOGIES INC. COMMUNICATION SERVICES 550241103   62 12 SH   SOLE   12 0 0
MPLX LP ENERGY 55336V100   121,508 3,700 SH   SOLE   3,700 0 0
MANULIFE FINANCIAL FINANCIALS 56501R106   19,034 1,067 SH   SOLE   1,067 0 0
MARATHON PETROLEUM CORPORATION ENERGY 56585A102   203,682 1,750 SH   SOLE   1,750 0 0
MARKEL CORP HOLDING COMPANY FINANCIALS 570535104   13,174 10 SH   SOLE   10 0 0
MARRIOTT INTERNATIONAL INC. CLASS A CONSUMER DISCRETIONARY 571903202   9,677 65 SH   SOLE   65 0 0
MASIMO CORPORATION HEALTHCARE 574795100   1,775 12 SH   SOLE   12 0 0
MASONITE INTERNATIONAL CORPORATION INDUSTRIALS 575385109   2,418 30 SH   SOLE   30 0 0
MASTERCARD INC - CLASS A INFORMATION TECHNOLOGY 57636Q104   264,263 760 SH   SOLE   695 65 0
MCCORMICK & CO. CONSUMER STAPLES 579780206   132,608 1,600 SH   SOLE   200 1,400 0
MCDONALDS CORP CONSUMER DISCRETIONARY 580135101   2,611,967 9,912 SH   SOLE   9,112 785 15
MCDONALDS CORP CONSUMER DISCRETIONARY 580135101   647,467 2,457 SH   DFND   1,200 1,257 0
MCKESSON CORPORATION HEALTHCARE 58155Q103   141,791 378 SH   SOLE   378 0 0
MERCADOLIBRE INC INFORMATION TECHNOLOGY 58733R102   15,231 18 SH   SOLE   18 0 0
MERCK & CO., INC HEALTHCARE 58933Y105   1,117,578 10,073 SH   SOLE   9,753 320 0
MERCK & CO., INC HEALTHCARE 58933Y105   209,140 1,885 SH   DFND   1,885 0 0
METLIFE INC FINANCIALS 59156R108   1,124,375 15,537 SH   SOLE   15,507 0 30
METLIFE INC FINANCIALS 59156R108   92,416 1,277 SH   DFND   1,277 0 0
MICROSOFT CORP INFORMATION TECHNOLOGY 594918104   5,917,257 24,674 SH   SOLE   23,273 1,401 0
MICROSOFT CORP INFORMATION TECHNOLOGY 594918104   146,289 610 SH   DFND   80 530 0
MID-AMERICA APARTMENT COMMUNITIES INC. REAL ESTATE 59522J103   3,924 25 SH   SOLE   25 0 0
MILLERKNOLL INC. CONSUMER DISCRETIONARY 600544100   1,785 85 SH   SOLE   85 0 0
MITEK SYSTEMS INC. INFORMATION TECHNOLOGY 606710200   8,721 900 SH   SOLE   900 0 0
MONDELEZ INTERNATIONAL INC CONSUMER STAPLES 609207105   130,364 1,956 SH   SOLE   956 1,000 0
MONGODB, INC. INFORMATION TECHNOLOGY 60937P106   17,321 88 SH   SOLE   88 0 0
MORGAN STANLEY FINANCIALS 617446448   510,441 6,004 SH   SOLE   6,004 0 0
NCR CORPORATION INFORMATION TECHNOLOGY 62886E108   397 17 SH   SOLE   17 0 0
NASDAQ STOCK MARKET INC FINANCIALS 631103108   9,202 150 SH   SOLE   150 0 0
NATIONAL FUEL GAS CO. NJ UTILITIES 636180101   30,062 475 SH   SOLE   475 0 0
NETAPP, INC. INFORMATION TECHNOLOGY 64110D104   6,006 100 SH   SOLE   100 0 0
NETFLIX INC INFORMATION TECHNOLOGY 64110L106   355,025 1,204 SH   SOLE   1,204 0 0
NEW JERSEY RESOURCES CORP UTILITIES 646025106   45,244 912 SH   SOLE   912 0 0
NEW RELIC INC INFORMATION TECHNOLOGY 64829B100   3,669 65 SH   SOLE   65 0 0
NEWELL BRANDS INC CONSUMER DISCRETIONARY 651229106   209 16 SH   SOLE   16 0 0
NEWMONT CORPORATION MATERIALS 651639106   64,050 1,357 SH   SOLE   1,357 0 0
NEXTERA ENERGY INC UTILITIES 65339F101   2,511,499 30,042 SH   SOLE   28,842 1,200 0
NICE LTD - AMERICAN DEPOSITORY SHARES INFORMATION TECHNOLOGY 653656108   5,769 30 SH   SOLE   30 0 0
NIKE, INC CONSUMER DISCRETIONARY 654106103   947,293 8,096 SH   SOLE   8,096 0 0
NISOURCE INC UTILITIES 65473P105   13,705 500 SH   SOLE   500 0 0
NORFOLK SOUTHERN CORPORATION INDUSTRIALS 655844108   36,963 150 SH   SOLE   150 0 0
NORTHROP GRUMMAN CORP INDUSTRIALS 666807102   399,923 733 SH   SOLE   733 0 0
NOVARTIS AG - ADR FOREIGN EQUITIES 66987V109   50,439 556 SH   SOLE   426 130 0
NOVAVAX INC HEALTHCARE 670002401   2,374 231 SH   SOLE   231 0 0
NUCOR MATERIALS 670346105   199,032 1,510 SH   SOLE   910 600 0
NUCOR MATERIALS 670346105   105,448 800 SH   DFND   800 0 0
NVIDIA CORP. INFORMATION TECHNOLOGY 67066G104   2,033,938 13,918 SH   SOLE   13,918 0 0
NUSHARES ETF TR NUVEEN ESG SMLCP EXCHANGE TRADED FUND - EQUITY 67092P607   290,530 8,500 SH   SOLE   8,500 0 0
OAKTREE SPECIALTY LENDING COCOM FINANCIALS 67401P108   59,314 8,634 SH   SOLE   8,634 0 0
OCCIDENTAL PETROLEUM CORP ENERGY 674599105   9,448 150 SH   SOLE   150 0 0
OMNICOM GROUP INC CONSUMER DISCRETIONARY 681919106   6,932 85 SH   SOLE   85 0 0
ONEOK INC ENERGY 682680103   23,847 363 SH   SOLE   363 0 0
ON24 INC. INFORMATION TECHNOLOGY 68339B104   5,825 675 SH   SOLE   675 0 0
ORACLE CORPORATION INFORMATION TECHNOLOGY 68389X105   700,570 8,571 SH   SOLE   8,571 0 0
ORACLE CORPORATION INFORMATION TECHNOLOGY 68389X105   13,895 170 SH   DFND   0 170 0
OTIS WORLDWIDE CORPORATION INDUSTRIALS 68902V107   165,611 2,115 SH   SOLE   1,765 350 0
OTIS WORLDWIDE CORPORATION INDUSTRIALS 68902V107   40,482 517 SH   DFND   327 190 0
OUTSET MEDICAL INC. HEALTHCARE 690145107   7,226 280 SH   SOLE   280 0 0
P G & E CORP UTILITIES 69331C108   162 10 SH   SOLE   10 0 0
PNC FINANCIAL SERVICES GROUP INC FINANCIALS 693475105   53,382 338 SH   SOLE   338 0 0
PPG INDUSTRIES MATERIALS 693506107   2,137 17 SH   SOLE   17 0 0
PPL CORP UTILITIES 69351T106   2,921 100 SH   SOLE   100 0 0
PACER AMERICAN ENERGY INDEPENDENCE ETF ENERGY 69374H634   17,835 670 SH   SOLE   670 0 0
PACIRA BIOSCIENCES, INC HEALTHCARE 695127100   23,166 600 SH   SOLE   600 0 0
PALO ALTO NETWORKS INC INFORMATION TECHNOLOGY 697435105   21,767 156 SH   SOLE   156 0 0
PARKER HANNIFIN CORP MATERIALS 701094104   196,425 675 SH   SOLE   675 0 0
PELOTON INTERACTIVE INC CLASS A CONSUMER DISCRETIONARY 70614W100   4,049 510 SH   SOLE   510 0 0
PEPSICO INC CONSUMER STAPLES 713448108   3,421,980 18,942 SH   SOLE   18,647 295 0
PEPSICO INC CONSUMER STAPLES 713448108   619,662 3,430 SH   DFND   1,815 1,615 0
PFIZER INC HEALTHCARE 717081103   2,669,672 52,102 SH   SOLE   49,546 2,556 0
PFIZER INC HEALTHCARE 717081103   215,208 4,200 SH   DFND   3,800 400 0
PHILIP MORRIS INTERNATIONAL W/I CONSUMER DISCRETIONARY 718172109   223,570 2,209 SH   SOLE   2,209 0 0
PHILLIPS 66 ENERGY 718546104   967,390 9,295 SH   SOLE   9,085 210 0
PHILLIPS 66 ENERGY 718546104   130,620 1,255 SH   DFND   1,255 0 0
PIMCO HIGH INCOME FUND EXCHANGE TRADED FUND-FIXED INC 722014107   16,422 3,472 SH   SOLE   3,472 0 0
PINTEREST INC CL A COMMUNICATION SERVICES 72352L106   22,207 915 SH   SOLE   915 0 0
PLAINS ALL AMERICAN PIPELINE ENERGY 726503105   127,008 10,800 SH   SOLE   10,800 0 0
PLUG POWER INC. INFORMATION TECHNOLOGY 72919P202   16,945 1,370 SH   SOLE   1,370 0 0
POST HOLDINGS INC CONSUMER STAPLES 737446104   4,513 50 SH   SOLE   50 0 0
T ROWE PRICE GROUP INC FINANCIALS 74144T108   40,897 375 SH   SOLE   375 0 0
PROCTER & GAMBLE CO CONSUMER STAPLES 742718109   4,131,459 27,260 SH   SOLE   25,553 1,672 35
PROCTER & GAMBLE CO CONSUMER STAPLES 742718109   674,440 4,450 SH   DFND   2,620 1,830 0
PROLOGIS, INC. REAL ESTATE 74340W103   2,141 19 SH   SOLE   19 0 0
PRUDENTIAL FINANCIAL INC FINANCIALS 744320102   309,308 3,110 SH   SOLE   3,110 0 0
PRUDENTIAL FINANCIAL INC FINANCIALS 744320102   72,605 730 SH   DFND   730 0 0
PUBLIC SERVICE ENTERPRISE GROUP, INC UTILITIES 744573106   9,496 155 SH   SOLE   155 0 0
PUBMATIC INC COM CL A CONSUMER DISCRETIONARY 74467Q103   8,505 664 SH   SOLE   664 0 0
PULTEGROUP, INC INDUSTRIALS 745867101   42,106 925 SH   SOLE   925 0 0
QUALCOMM INC INFORMATION TECHNOLOGY 747525103   1,185,451 10,783 SH   SOLE   10,518 235 30
QUANTA SERVICES INC INDUSTRIALS 74762E102   101,459 712 SH   SOLE   712 0 0
REATA PHARMACEUTICALS INC. HEALTHCARE 75615P103   2,088 55 SH   SOLE   55 0 0
REGENERON PHARMACEUTICALS HEALTHCARE 75886F107   344,125 477 SH   SOLE   477 0 0
REPLIGEN CORPORATION HEALTHCARE 759916109   42,327 250 SH   SOLE   250 0 0
RIMINI STREET INC. INFORMATION TECHNOLOGY 76674Q107   5,947 1,565 SH   SOLE   1,565 0 0
RIO TINTO PLC MATERIALS 767204100   106,800 1,500 SH   SOLE   1,500 0 0
ROBERT HALF INTL INC INDUSTRIALS 770323103   18,457 250 SH   SOLE   250 0 0
ROCHE HOLDING AG HEALTHCARE 771195104   9,354 239 SH   SOLE   239 0 0
ROKU INC CONSUMER DISCRETIONARY 77543R102   3,866 95 SH   SOLE   95 0 0
SPDR S & P 500 ETF TRUST EXCHANGE TRADED FUND - EQUITY 78462F103   16,961,426 44,353 SH   SOLE   44,353 0 0
SPDR S & P 500 ETF TRUST EXCHANGE TRADED FUND - EQUITY 78462F103   1,378,623 3,605 SH   DFND   1,020 2,585 0
SPDR GOLD TRUST MUTUAL FUND 78463V107   217,305 1,281 SH   SOLE   1,281 0 0
SPDR MSCI ACWI CLIMATE PARIS ALIGNED ETF EXCHANGE TRADED FUND - EQUITY 78463X194   11,519 440 SH   SOLE   440 0 0
SPDR NYSE TECHNOLOGY ETF INFORMATION TECHNOLOGY 78464A102   63,449 655 SH   SOLE   655 0 0
SPDR PORTFOLIO TIP ETF EXCHANGE TRADED FUND-FIXED INC 78464A656   29,123 1,131 SH   SOLE   1,131 0 0
SPDR S&P REGIONAL BANKING ETF FINANCIALS 78464A698   22,027 375 SH   SOLE   375 0 0
SPDR S&P DIVIDEND ETF EXCHANGE TRADED FUND - EQUITY 78464A763   344,677 2,755 SH   SOLE   2,755 0 0
SPDR S&P 400 MID CAP VALUE ETF EXCHANGE TRADED FUND - EQUITY 78464A839   12,944 200 SH   SOLE   200 0 0
ETF SPDR S&P BIOTECH HEALTHCARE 78464A870   544,065 6,555 SH   SOLE   6,555 0 0
S&P MIDCAP 400 DEPOSITORY RECEIPTS ETF -W EXCHANGE TRADED FUND - EQUITY 78467Y10W   83,240 188 SH   SOLE   188 0 0
S & P MIDCAP 400 DEPOSITORY RECEIPTS ETF EXCHANGE TRADED FUND - EQUITY 78467Y107   4,649,143 10,500 SH   SOLE   10,448 0 52
S & P MIDCAP 400 DEPOSITORY RECEIPTS ETF EXCHANGE TRADED FUND - EQUITY 78467Y107   201,463 455 SH   DFND   230 225 0
SPDR S&P 500 ESG ETF EXCHANGE TRADED FUND - EQUITY 78468R531   3,665 100 SH   SOLE   100 0 0
SPDR SER TR S&P KENSHO SMART INFORMATION TECHNOLOGY 78468R689   7,068 240 SH   SOLE   240 0 0
SPDR NUVEEN BLOOMBERG BARCLAY MUNICIPAL BOND ETF EXCHANGE TRADED FUND-FIXED INC 78468R721   68,415 1,500 SH   SOLE   1,500 0 0
SPDR MSCI USA GENDER DIVERSITY ETF EXCHANGE TRADED FUND - EQUITY 78468R747   16,388 208 SH   SOLE   208 0 0
SPDR SSGA US LARGE CAP LOW VOLATILITY INDEX ETF EXCHANGE TRADED FUND - EQUITY 78468R804   11,528 85 SH   SOLE   85 0 0
SALESFORCE, INC. INFORMATION TECHNOLOGY 79466L302   182,833 1,379 SH   SOLE   1,379 0 0
SANOFI ADR FOREIGN EQUITIES 80105N105   5,811 120 SH   SOLE   120 0 0
SCHLUMBERGER LTD ENERGY 806857108   16,035 300 SH   SOLE   300 0 0
SCHLUMBERGER LTD ENERGY 806857108   16,035 300 SH   DFND   0 300 0
SCHWAB U.S. SMALL-CAP ETF EXCHANGE TRADED FUND - EQUITY 808524607   10,611 262 SH   SOLE   262 0 0
SCHWAB FUNDAMENTAL INTERNATIONAL SMALL COMPANY EXCHANGE TRADED FUND - EQUITY 808524748   6,718 215 SH   SOLE   215 0 0
SCWAB FUNDAMENTAL INTERNATIONAL LARGE COMPANY EXCHANGE TRADED FUND - EQUITY 808524755   10,490 361 SH   SOLE   361 0 0
SCHWAB FUNDAMENTAL U.S. SMALL COMPANY INDEX ETF EXCHANGE TRADED FUND - EQUITY 808524763   9,577 205 SH   SOLE   205 0 0
SCHWAB FUNDAMENTAL U.S. LARGE COMPANY INDEX ETF EXCHANGE TRADED FUND - EQUITY 808524771   20,570 385 SH   SOLE   385 0 0
SCHWAB U.S. TIPS ETF EXCHANGE TRADED FUND-FIXED INC 808524870   23,771 459 SH   SOLE   459 0 0
MATERIAL SELECT SECTOR SPDR TRUST MATERIALS 81369Y100   250,905 3,230 SH   SOLE   3,230 0 0
HEALTH CARE SELECT SECTOR SPDR FUND HEALTHCARE 81369Y209   6,792 50 SH   SOLE   50 0 0
CONSUMER STAPLES SELECT SECTOR SPDR FUND CONSUMER STAPLES 81369Y308   60,824 816 SH   SOLE   816 0 0
CONSUMER DISCRETIONARY SELE CT SECTOR SPDR FUND CONSUMER DISCRETIONARY 81369Y407   81,370 630 SH   SOLE   630 0 0
ENERGY SELECT SECTOR SPDR FUND ENERGY 81369Y506   45,483 520 SH   SOLE   520 0 0
FINANCIAL SELECT SECTOR SPDR FUND FINANCIALS 81369Y605   390,051 11,405 SH   SOLE   11,405 0 0
INDUSTRIAL SELECT SECTOR SPDR FUND INDUSTRIALS 81369Y704   88,388 900 SH   SOLE   900 0 0
TECHNOLOGY SELECT SECT SPDR INFORMATION TECHNOLOGY 81369Y803   728,718 5,856 SH   SOLE   5,856 0 0
COMMUNICATION SERVICES SELECT SECTOR SPDR FUND COMMUNICATION SERVICES 81369Y852   79,711 1,661 SH   SOLE   1,661 0 0
AMEX UTILITIES SELECT INDEX SHS BEN INT UTILITIES 81369Y886   261,202 3,705 SH   SOLE   3,705 0 0
SEMPRA UTILITIES 816851109   136,765 885 SH   SOLE   885 0 0
SHERWIN WILLIAMS COMPANY CONSUMER DISCRETIONARY 824348106   47,702 201 SH   SOLE   201 0 0
SCHOCKWAVE MEDICAL INC HEALTHCARE 82489T104   26,112 127 SH   SOLE   127 0 0
SIEMENS AG FOREIGN EQUITIES 826197501   18,573 270 SH   SOLE   270 0 0
SIMON PROPERTY GROUP REAL ESTATE 828806109   7,752 66 SH   SOLE   66 0 0
SIX FLAGS ENTERTAINMENT CORPORATION CONSUMER DISCRETIONARY 83001A102   7,323 315 SH   SOLE   315 0 0
SMITH-MIDLAND CORPORATION INDUSTRIALS 832156103   6,765 330 SH   SOLE   330 0 0
J.M. SMUCKER COMPANY CONSUMER STAPLES 832696405   254,485 1,606 SH   SOLE   655 951 0
SNAP-ON INC CONSUMER DISCRETIONARY 833034101   43,184 189 SH   SOLE   189 0 0
SONY GROUP CORP FOREIGN EQUITIES 835699307   13,730 180 SH   SOLE   180 0 0
SOUTHERN CO UTILITIES 842587107   950,256 13,309 SH   SOLE   12,694 615 0
SOUTHERN CO UTILITIES 842587107   238,833 3,345 SH   DFND   2,600 745 0
SOUTHWEST AIRLINES INDUSTRIALS 844741108   15,651 465 SH   SOLE   465 0 0
SPECTRUM BRANDS HOLDINGS INCCOMMON STOCK CONSUMER STAPLES 84790A105   609 10 SH   SOLE   10 0 0
SPLUNK INC. ENERGY 848637104   4,304 50 SH   SOLE   50 0 0
STARBUCKS CORPORATION CONSUMER DISCRETIONARY 855244109   353,447 3,563 SH   SOLE   3,563 0 0
STARBUCKS CORPORATION CONSUMER DISCRETIONARY 855244109   9,126 92 SH   DFND   0 92 0
STATE STREET CORP. COM FINANCIALS 857477103   2,404 31 SH   SOLE   31 0 0
STITCH FIX, INC. - CLASS A CONSUMER DISCRETIONARY 860897107   604 195 SH   SOLE   195 0 0
STRYKER CORP HEALTHCARE 863667101   1,048,095 4,287 SH   SOLE   4,287 0 0
STRYKER CORP HEALTHCARE 863667101   34,228 140 SH   DFND   140 0 0
SUMMIT THERAPEUTICS INC. HEALTHCARE 86627T108   10,625 2,500 SH   SOLE   2,500 0 0
SUNCOR ENERGY INC NEW FOREIGN EQUITIES 867224107   15,225 480 SH   SOLE   480 0 0
SYNOPSYS INC INFORMATION TECHNOLOGY 871607107   6,385 20 SH   SOLE   20 0 0
SYSCO CORPORATION CONSUMER STAPLES 871829107   79,889 1,045 SH   SOLE   1,045 0 0
TJX COS INC NEW CONSUMER DISCRETIONARY 872540109   86,843 1,091 SH   SOLE   1,091 0 0
TAKE-TWO INTERACTIVE SOFTWARE, INC. INFORMATION TECHNOLOGY 874054109   11,974 115 SH   SOLE   115 0 0
TARGET CORP CONSUMER DISCRETIONARY 87612E106   680,485 4,566 SH   SOLE   4,394 130 42
TARGET CORP CONSUMER DISCRETIONARY 87612E106   111,780 750 SH   DFND   0 750 0
TELADOC HEALTH INC. HEALTHCARE 87918A105   7,730 327 SH   SOLE   327 0 0
TERADATA CORPORATION INFORMATION TECHNOLOGY 88076W103   572 17 SH   SOLE   17 0 0
TESLA MOTORS INC CONSUMER DISCRETIONARY 88160R101   503,409 4,087 SH   SOLE   4,087 0 0
TEXAS INSTRUMENTS INFORMATION TECHNOLOGY 882508104   73,685 446 SH   SOLE   446 0 0
TEXTRON INC INDUSTRIALS 883203101   4,601 65 SH   SOLE   65 0 0
THE TRADE DESK, INC. INFORMATION TECHNOLOGY 88339J105   35,856 800 SH   SOLE   800 0 0
THERMO FISHER SCIENTIFIC, INC HEALTHCARE 883556102   194,391 353 SH   SOLE   353 0 0
3M CO COM INDUSTRIALS 88579Y101   422,571 3,524 SH   SOLE   3,009 515 0
3M CO COM INDUSTRIALS 88579Y101   94,137 785 SH   DFND   785 0 0
TORO CO INDUSTRIALS 891092108   81,504 720 SH   SOLE   720 0 0
TORONTO-DOMINION BANK NEW FOREIGN EQUITIES 891160509   253,014 3,907 SH   SOLE   3,907 0 0
TOTALENERGIES SE FOREIGN EQUITIES 89151E109   1,241 20 SH   SOLE   20 0 0
TOYOTA MOTOR CORP ADR CONSUMER DISCRETIONARY 892331307   49,849 365 SH   SOLE   365 0 0
TRANSMEDICS GROUP INC. HEALTHCARE 89377M109   28,391 460 SH   SOLE   460 0 0
TRAVELERS COS INC FINANCIALS 89417E109   127,490 680 SH   SOLE   680 0 0
TREX COMPANY INC. INDUSTRIALS 89531P105   11,214 265 SH   SOLE   265 0 0
TWILIO INC. - A INFORMATION TECHNOLOGY 90138F102   5,531 113 SH   SOLE   113 0 0
US BANCORP DEL COM NEW FINANCIALS 902973304   121,579 2,788 SH   SOLE   2,788 0 0
US BANCORP DEL COM NEW FINANCIALS 902973304   872 20 SH   DFND   20 0 0
UNILEVER PLC FOREIGN EQUITIES 904767704   8,557 170 SH   SOLE   0 170 0
UNION PACIFIC CORP INDUSTRIALS 907818108   394,253 1,904 SH   SOLE   1,904 0 0
UNITED PARCEL SERVICE INDUSTRIALS 911312106   446,051 2,566 SH   SOLE   2,566 0 0
UNITEDHEALTH GROUP INC HEALTHCARE 91324P102   1,566,097 2,954 SH   SOLE   2,954 0 0
UPSTART HLDGS INC COM FINANCIALS 91680M107   1,983 150 SH   SOLE   150 0 0
VF CORP CONSUMER DISCRETIONARY 918204108   2,208 80 SH   SOLE   80 0 0
VAIL RESORTS INC. CONSUMER DISCRETIONARY 91879Q109   3,575 15 SH   SOLE   15 0 0
VALERO ENERGY NEW ENERGY 91913Y100   561,465 4,426 SH   SOLE   4,311 115 0
VALERO ENERGY NEW ENERGY 91913Y100   100,473 792 SH   DFND   792 0 0
VANECK SEMICONDUCTOR ETF INFORMATION TECHNOLOGY 92189F676   49,109 242 SH   SOLE   242 0 0
VANGUARD DIVIDEND APPRECIATION INDEX FUND EXCHANGE TRADED FUND - EQUITY 921908844   95,209 627 SH   SOLE   627 0 0
ETF VANGUARD TOTAL INTL STOCK MUTUAL FUND 921909768   850,018 16,435 SH   SOLE   16,435 0 0
VANGUARD ESG INTERNATIONAL STOCK ETF EXCHANGE TRADED FUND - EQUITY 921910725   4,967 101 SH   SOLE   101 0 0
VANGUARD SHORT-TERM BOND ETF EXCHANGE TRADED FUND-FIXED INC 921937827   15,582 207 SH   SOLE   207 0 0
VANGUARD TOTAL BOND MARKET FUND ETF EXCHANGE TRADED FUND-FIXED INC 921937835   422,491 5,881 SH   SOLE   5,881 0 0
VANGUARD FTSE DEVELOPED MARKET ETF MUTUAL FUND 921943858   553,625 13,191 SH   SOLE   13,191 0 0
VANGUARD UTILITIES ETF UTILITIES 92204A876   50,608 330 SH   SOLE   330 0 0
VANGUARD COMMUNICATION SERVICES ETF COMMUNICATION SERVICES 92204A884   6,086 74 SH   SOLE   74 0 0
VANGUARD FTSE ALL-WLD EX-US SMCP IDX ETF EXCHANGE TRADED FUND - EQUITY 922042718   2,775 27 SH   SOLE   27 0 0
VANGUARD MSCI EMERGING MARKETS ETF EXCHANGE TRADED FUND - EQUITY 922042858   150,223 3,855 SH   SOLE   3,855 0 0
VANGUARD MSCI EMERGING MARKETS ETF EXCHANGE TRADED FUND - EQUITY 922042858   45,204 1,160 SH   DFND   910 250 0
ETF VANGUARD RUSSELL 3000 EXCHANGE TRADED FUND - EQUITY 92206C599   4,578,508 26,658 SH   SOLE   26,658 0 0
ETF VANGUARD RUSSELL 3000 EXCHANGE TRADED FUND - EQUITY 92206C599   219,840 1,280 SH   DFND   1,280 0 0
ETF VANGUARD RUSSELL 2000 EXCHANGE TRADED FUND - EQUITY 92206C664   83,938 1,193 SH   SOLE   1,193 0 0
VAREX IMAGING CORP HEALTHCARE 92214X106   811 40 SH   SOLE   40 0 0
VANGUARD REAL ESTATE ETF REAL ESTATE 922908553   28,863 350 SH   SOLE   250 100 0
VANGUARD REAL ESTATE ETF REAL ESTATE 922908553   16,081 195 SH   DFND   0 195 0
VANGUARD MID-CAP ETF EXCHANGE TRADED FUND - EQUITY 922908629   1,222,860 6,000 SH   SOLE   6,000 0 0
VANGUARD GROWTH ETF EXCHANGE TRADED FUND - EQUITY 922908736   948,338 4,450 SH   SOLE   4,450 0 0
VANGUARD VALUE ETF EXCHANGE TRADED FUND - EQUITY 922908744   51,235 365 SH   SOLE   365 0 0
VANGUARD SMALL CAP ETF EXCHANGE TRADED FUND - EQUITY 922908751   13,947 76 SH   SOLE   76 0 0
VANGUARD TOTAL STOCK MARKET ETF EXCHANGE TRADED FUND - EQUITY 922908769   847,733 4,434 SH   SOLE   4,434 0 0
VERIZON COMMUNICATIONS INC COMMUNICATION SERVICES 92343V104   1,528,467 38,805 SH   SOLE   37,349 1,456 0
VERIZON COMMUNICATIONS INC COMMUNICATION SERVICES 92343V104   214,633 5,449 SH   DFND   3,587 1,862 0
VERISK ANALYTICS INC INDUSTRIALS 92345Y106   18,524 105 SH   SOLE   105 0 0
VERTEX PHARMACEUTICALS INC HEALTHCARE 92532F100   167,761 581 SH   SOLE   581 0 0
VISA INC - CLASS A SHARES INFORMATION TECHNOLOGY 92826C839   1,126,864 5,424 SH   SOLE   5,324 100 0
VMWARE INC INFORMATION TECHNOLOGY 928563402   9,698 79 SH   SOLE   79 0 0
VONTIER CORPORATION INDUSTRIALS 928881101   772 40 SH   DFND   40 0 0
WALMART INC CONSUMER STAPLES 931142103   1,078,701 7,608 SH   SOLE   7,328 280 0
WALMART INC CONSUMER STAPLES 931142103   17,723 125 SH   DFND   125 0 0
WASTE MANAGEMENT INC NEW INDUSTRIALS 94106L109   1,538,493 9,807 SH   SOLE   8,852 955 0
WASTE MANAGEMENT INC NEW INDUSTRIALS 94106L109   205,512 1,310 SH   DFND   880 430 0
WATSCO INC. COMMON STOCK INDUSTRIALS 942622200   1,995 8 SH   SOLE   8 0 0
WAYFAIR INC CL A CONSUMER DISCRETIONARY 94419L101   3,288 100 SH   SOLE   100 0 0
WELLS FARGO & CO NEW FINANCIALS 949746101   44,549 1,079 SH   SOLE   859 220 0
WELLS FARGO & CO NEW FINANCIALS 949746101   28,902 700 SH   DFND   700 0 0
WHERE FOOD COMES FROM INC. INDUSTRIALS 96327X200   9,779 700 SH   SOLE   700 0 0
WHIRLPOOL CORP CONSUMER DISCRETIONARY 963320106   2,829 20 SH   SOLE   20 0 0
THE WILLIAMS CO. INC. ENERGY 969457100   133,526 4,060 SH   SOLE   4,060 0 0
THE WILLIAMS CO. INC. ENERGY 969457100   101,959 3,100 SH   DFND   3,100 0 0
WISDOMTREE INC FINANCIALS 97717P104   3,270 600 SH   SOLE   600 0 0
XCEL ENERGY INC UTILITIES 98389B100   45,771 653 SH   SOLE   653 0 0
YUM BRANDS INC. CONSUMER DISCRETIONARY 988498101   23,054 180 SH   SOLE   180 0 0
YUM BRANDS INC. CONSUMER DISCRETIONARY 988498101   76,848 600 SH   DFND   0 600 0
ZEBRA TECHNOLOGIES CORP CLASS A INFORMATION TECHNOLOGY 989207105   20,512 80 SH   SOLE   80 0 0
ZIMMER HOLDINGS INC. HEALTHCARE 98956P102   66,427 521 SH   SOLE   21 500 0
ZOETIS INC HEALTHCARE 98978V103   13,774 94 SH   SOLE   94 0 0
ZUORA INC INFORMATION TECHNOLOGY 98983V106   3,141 494 SH   SOLE   494 0 0