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
ACCENTURE LTD BERMUDA CL A FOREIGN EQUITIES G1151C101   146,845 484 SH   SOLE   484 0 0
ACCENTURE LTD BERMUDA CL A FOREIGN EQUITIES G1151C101   60,680 200 SH   DFND   200 0 0
EATON CORP PLC FOREIGN EQUITIES G29183103   127,922 408 SH   SOLE   290 118 0
LINDE PLC SHS FOREIGN EQUITIES G54950103   43,880 100 SH   SOLE   100 0 0
MEDTRONIC PLC ORDINARY COMMON STOCK G5960L103   337,426 4,287 SH   SOLE   3,987 0 300
MEDTRONIC PLC ORDINARY COMMON STOCK G5960L103   39,355 500 SH   DFND   100 400 0
ALCON INC ORD SHS COMMON STOCK H01301128   9,798 110 SH   SOLE   110 0 0
ALCON INC ORD SHS COMMON STOCK H01301128   12,025 135 SH   DFND   77 58 0
LYONDELLBASELL INDUSTRIES N.V. CL A FOREIGN EQUITIES N53745100   15,111 158 SH   SOLE   158 0 0
AT&T INC COM COMMON STOCK 00206R102   216,549 11,332 SH   SOLE   10,832 0 500
AT&T INC COM COMMON STOCK 00206R102   73,190 3,830 SH   DFND   2,330 1,500 0
ABBOTT LABS COM COMMON STOCK 002824100   1,067,142 10,270 SH   SOLE   8,843 1,127 300
ABBOTT LABS COM COMMON STOCK 002824100   765,088 7,363 SH   DFND   7,313 50 0
ABBVIE INC COMMON STOCK 00287Y109   2,641,392 15,400 SH   SOLE   14,417 683 300
ABBVIE INC COMMON STOCK 00287Y109   1,605,082 9,358 SH   DFND   9,048 310 0
ADOBE INC COM COMMON STOCK 00724F101   1,791,558 3,225 SH   SOLE   3,194 31 0
ADOBE INC COM COMMON STOCK 00724F101   34,998 63 SH   DFND   63 0 0
AGILENT TECHNOLOGIES INC COM COMMON STOCK 00846U101   9,981 77 SH   SOLE   77 0 0
AGILENT TECHNOLOGIES INC COM COMMON STOCK 00846U101   25,926 200 SH   DFND   0 200 0
AIR PRODUCT AND CHEMICALS INC COMMON STOCK 009158106   1,161,945 4,503 SH   SOLE   4,032 471 0
AIR PRODUCT AND CHEMICALS INC COMMON STOCK 009158106   718,641 2,785 SH   DFND   2,585 200 0
AIR TRANSPORT SERVICES GRP ICOM COMMON STOCK 00922R105   31,068 2,240 SH   SOLE   2,240 0 0
ALLSTATE CORP COM COMMON STOCK 020002101   15,966 100 SH   SOLE   100 0 0
ALNYLAM PHARMACEUTICALS INC COM COMMON STOCK 02043Q107   12,150 50 SH   SOLE   50 0 0
ALPHABET INC CAP STK CL C COMMON STOCK 02079K107   1,749,273 9,537 SH   SOLE   8,053 1,484 0
ALPHABET INC CAP STK CL C COMMON STOCK 02079K107   2,430,130 13,249 SH   DFND   12,800 449 0
ALPHABET INC CAP STK CL A COMMON STOCK 02079K305   2,407,097 13,215 SH   SOLE   12,905 110 200
ALPHABET INC CAP STK CL A COMMON STOCK 02079K305   280,145 1,538 SH   DFND   1,538 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103   143,314 3,147 SH   SOLE   3,147 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103   152,559 3,350 SH   DFND   1,500 1,850 0
AMAZON COM INC COM COMMON STOCK 023135106   4,160,463 21,529 SH   SOLE   20,152 1,285 92
AMAZON COM INC COM COMMON STOCK 023135106   3,010,834 15,580 SH   DFND   15,298 282 0
AMERICAN ELEC PWR INC COM COMMON STOCK 025537101   244,355 2,785 SH   DFND   2,785 0 0
AMERICAN EXPRESS CO COM COMMON STOCK 025816109   2,374,758 10,256 SH   SOLE   9,176 1,080 0
AMERICAN EXPRESS CO COM COMMON STOCK 025816109   407,758 1,761 SH   DFND   1,065 696 0
AMERICAN INTL GROUP INC COM COMMON STOCK 026874784   593 8 SH   SOLE   8 0 0
AMERICAN WATER WORKS COMMON STOCK 030420103   396,262 3,068 SH   SOLE   2,868 200 0
AMERICAN WATER WORKS COMMON STOCK 030420103   105,006 813 SH   DFND   393 420 0
AMERIPRISE FINL INC COM COMMON STOCK 03076C106   322,527 755 SH   SOLE   755 0 0
AMGEN INC COM COMMON STOCK 031162100   915,127 2,929 SH   SOLE   2,651 278 0
AMGEN INC COM COMMON STOCK 031162100   562,392 1,800 SH   DFND   1,800 0 0
AMPLIFY ETF TR AMPLIFY ALTERNAT MUTUAL FUNDS-ETF EQUITIES 032108631   331 100 SH   SOLE   100 0 0
ANALOG DEVICES INC COMMON STOCK 032654105   1,977,622 8,664 SH   SOLE   7,695 969 0
ANALOG DEVICES INC COMMON STOCK 032654105   162,517 712 SH   DFND   405 307 0
APPLE COMPUTER INC COM COMMON STOCK 037833100   9,417,214 44,712 SH   SOLE   42,569 1,875 268
APPLE COMPUTER INC COM COMMON STOCK 037833100   2,135,895 10,141 SH   DFND   8,121 2,020 0
APPLIED MATLS INC COM COMMON STOCK 038222105   1,161,765 4,923 SH   SOLE   4,923 0 0
APPLIED MATLS INC COM COMMON STOCK 038222105   32,802 139 SH   DFND   139 0 0
ASTRAZENECA PLC SPONSORED ADR FOREIGN EQUITIES 046353108   6,005 77 SH   SOLE   77 0 0
AUTOMATIC DATA PROCESSING INCOM COMMON STOCK 053015103   596,244 2,498 SH   SOLE   2,498 0 0
AUTOMATIC DATA PROCESSING INCOM COMMON STOCK 053015103   95,476 400 SH   DFND   200 200 0
AUTOZONE INC COM COMMON STOCK 053332102   927,763 313 SH   SOLE   313 0 0
AUTOZONE INC COM COMMON STOCK 053332102   148,205 50 SH   DFND   50 0 0
BP PLC SPONSORED ADR COMMON STOCK 055622104   115,703 3,206 SH   SOLE   3,206 0 0
BP PLC SPONSORED ADR COMMON STOCK 055622104   77,340 2,143 SH   DFND   1,993 150 0
BANKAMERICA CORP NEW COMMON STOCK 060505104   757,967 19,059 SH   SOLE   18,793 266 0
BANK NEW YORK MELLON CORP COM COMMON STOCK 064058100   85,325 1,425 SH   SOLE   1,425 0 0
BAXTER INTL INC COM COMMON STOCK 071813109   66,900 2,000 SH   DFND   2,000 0 0
BERKSHIRE HATHAWAY B NEW COMMON STOCK 084670702   2,086,416 5,129 SH   SOLE   4,688 441 0
BERKSHIRE HATHAWAY B NEW COMMON STOCK 084670702   699,678 1,720 SH   DFND   1,654 66 0
BLACKROCK INC COM COMMON STOCK 09247X101   658,981 837 SH   SOLE   825 12 0
BLACKROCK INC COM COMMON STOCK 09247X101   551,124 700 SH   DFND   700 0 0
BOEING CO COM COMMON STOCK 097023105   1,467,165 8,061 SH   SOLE   8,036 25 0
BOEING CO COM COMMON STOCK 097023105   139,236 765 SH   DFND   765 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108   572,768 13,795 SH   SOLE   13,595 0 200
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108   352,420 8,488 SH   DFND   7,717 771 0
BROADCOM INC NPV COMMON STOCK 11135F101   6,214,983 3,871 SH   SOLE   3,500 371 0
BROADCOM INC NPV COMMON STOCK 11135F101   250,461 156 SH   DFND   116 40 0
CSX CORP COM COMMON STOCK 126408103   20,070 600 SH   SOLE   600 0 0
CVS/CAREMARK CORP COM COMMON STOCK 126650100   142,623 2,415 SH   SOLE   2,299 116 0
CVS/CAREMARK CORP COM COMMON STOCK 126650100   16,832 285 SH   DFND   0 285 0
CARRIER GLOBAL CORPORATION COM COMMON STOCK 14448C104   6,308 100 SH   SOLE   100 0 0
CARRIER GLOBAL CORPORATION COM COMMON STOCK 14448C104   473,100 7,500 SH   DFND   7,500 0 0
CATERPILLAR INC DEL COM COMMON STOCK 149123101   911,318 2,736 SH   SOLE   2,625 111 0
CATERPILLAR INC DEL COM COMMON STOCK 149123101   63,952 192 SH   DFND   145 47 0
CHEMOURS CO COM COMMON STOCK 163851108   2,954 131 SH   SOLE   131 0 0
CHEVRONTEXACO CORP COM COMMON STOCK 166764100   1,681,972 10,753 SH   SOLE   10,594 159 0
CHEVRONTEXACO CORP COM COMMON STOCK 166764100   1,134,669 7,254 SH   DFND   6,954 300 0
CISCO SYS INC COM COMMON STOCK 17275R102   1,683,011 35,432 SH   SOLE   33,409 1,873 150
CISCO SYS INC COM COMMON STOCK 17275R102   186,198 3,920 SH   DFND   2,400 1,520 0
CITIGROUP INC NEW COMMON STOCK 172967424   82,610 1,302 SH   SOLE   1,302 0 0
CLOROX COMPANY COMMON STOCK 189054109   10,234 75 SH   SOLE   75 0 0
COCA COLA CO COM COMMON STOCK 191216100   1,174,143 18,447 SH   SOLE   17,892 0 555
COCA COLA CO COM COMMON STOCK 191216100   213,990 3,362 SH   DFND   2,732 630 0
COINBASE GLOBAL INC COM CL A COMMON STOCK 19260Q107   22,223 100 SH   SOLE   100 0 0
COLGATE PALMOLIVE CO COM COMMON STOCK 194162103   81,513 840 SH   SOLE   840 0 0
COLGATE PALMOLIVE CO COM COMMON STOCK 194162103   388,160 4,000 SH   DFND   4,000 0 0
COMCAST CORP COMMON STOCK 20030N101   680,221 17,375 SH   SOLE   15,348 2,027 0
COMCAST CORP COMMON STOCK 20030N101   71,369 1,823 SH   DFND   1,823 0 0
COMMUNITY BANK SYSTEM INC COMMON STOCK 203607106   255,446 5,412 SH   SOLE   5,412 0 0
CONOCOPHILLIPS COM COMMON STOCK 20825C104   153,611 1,343 SH   SOLE   1,343 0 0
CONOCOPHILLIPS COM COMMON STOCK 20825C104   343,140 3,000 SH   DFND   3,000 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104   178 2 SH   SOLE   2 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104   62,594 700 SH   DFND   0 0 700
CONSTELLATION ENERGY CORP COM COMMON STOCK 21037T109   40,052 200 SH   SOLE   34 0 166
CONSTELLATION ENERGY CORP COM COMMON STOCK 21037T109   13,217 66 SH   DFND   66 0 0
CORTEVA INC COM COMMON STOCK 22052L104   123,383 2,288 SH   SOLE   2,085 0 203
CORTEVA INC COM COMMON STOCK 22052L104   264,631 4,907 SH   DFND   3,048 1,859 0
COSTCO WHSL CORP NEW COMMON STOCK 22160K105   830,416 977 SH   SOLE   864 113 0
COSTCO WHSL CORP NEW COMMON STOCK 22160K105   98,597 116 SH   DFND   116 0 0
DANAHER CORP COMMON STOCK 235851102   545,164 2,182 SH   SOLE   1,964 218 0
DANAHER CORP COMMON STOCK 235851102   19,988 80 SH   DFND   80 0 0
DEERE & CO COM COMMON STOCK 244199105   706,896 1,892 SH   SOLE   1,763 0 129
DEERE & CO COM COMMON STOCK 244199105   520,091 1,392 SH   DFND   1,343 49 0
DISNEY WALT CO COM DISNEY COMMON STOCK 254687106   328,741 3,311 SH   SOLE   3,311 0 0
DISNEY WALT CO COM DISNEY COMMON STOCK 254687106   52,127 525 SH   DFND   100 100 325
DISCOVER FINL SVCS COMMON STOCK 254709108   14,258 109 SH   SOLE   109 0 0
DOMINION RES INC VA NEW COM COMMON STOCK 25746U109   535,031 10,919 SH   SOLE   10,319 0 600
DOMINION RES INC VA NEW COM COMMON STOCK 25746U109   421,204 8,596 SH   DFND   7,696 900 0
DOW INC COM COMMON STOCK 260557103   146,118 2,755 SH   SOLE   2,552 0 203
DOW INC COM COMMON STOCK 260557103   260,260 4,907 SH   DFND   3,048 1,859 0
DUKE ENERGY HLDG CORP COMMON STOCK 26441C204   505,452 5,043 SH   SOLE   5,043 0 0
DUKE ENERGY HLDG CORP COMMON STOCK 26441C204   446,123 4,451 SH   DFND   4,385 66 0
DUPONT DE NEMOURS INC COM COMMON STOCK 26614N102   325,485 4,044 SH   SOLE   3,841 0 203
DUPONT DE NEMOURS INC COM COMMON STOCK 26614N102   378,861 4,707 SH   DFND   2,848 1,859 0
EATON VANCE INSURED MUNI BD FD MUTUAL FUNDS-ETF FIXED INCOME 27827X101   17,626 1,666 SH   SOLE   1,666 0 0
EBAY INC COM COMMON STOCK 278642103   21,917 408 SH   SOLE   408 0 0
ECOLAB INC COMMON STOCK 278865100   529,074 2,223 SH   SOLE   2,107 116 0
ECOLAB INC COMMON STOCK 278865100   53,550 225 SH   DFND   225 0 0
EMERSON ELEC CO COM COMMON STOCK 291011104   1,617,801 14,686 SH   SOLE   13,044 1,242 400
EMERSON ELEC CO COM COMMON STOCK 291011104   566,329 5,141 SH   DFND   3,565 1,576 0
ENBRIDGE INC COMMON STOCK 29250N105   750,574 21,090 SH   SOLE   20,790 300 0
ENBRIDGE INC COMMON STOCK 29250N105   368,745 10,361 SH   DFND   8,595 1,766 0
ENERGY TRANSFER EQUITY L P COM UNIT LTD PRTNERS PARTNERSHIPS 29273V100   29,048 1,792 SH   SOLE   1,792 0 0
ENTEGRIS INC COMMON STOCK 29362U104   27,080 200 SH   SOLE   200 0 0
ESSA BANCORP INC COM COMMON STOCK 29667D104   24,097 1,370 SH   SOLE   1,370 0 0
ESSENTIAL UTILS INC COM COMMON STOCK 29670G102   37,320 1,000 SH   SOLE   0 0 1,000
ESSENTIAL UTILS INC COM COMMON STOCK 29670G102   9,330 250 SH   DFND   250 0 0
EXELON CORP COM COMMON STOCK 30161N101   123,693 3,574 SH   SOLE   3,074 0 500
EXELON CORP COM COMMON STOCK 30161N101   20,766 600 SH   DFND   600 0 0
EXPEDITORS INTL WASH INC COMMON STOCK 302130109   281,026 2,252 SH   SOLE   1,300 852 100
EXPEDITORS INTL WASH INC COMMON STOCK 302130109   209,770 1,681 SH   DFND   350 1,331 0
EXXON MOBIL CORP COM COMMON STOCK 30231G102   2,478,752 21,532 SH   SOLE   21,332 100 100
EXXON MOBIL CORP COM COMMON STOCK 30231G102   2,301,130 19,989 SH   DFND   14,599 4,790 600
F N B CORP PA COMMON STOCK 302520101   792,578 57,937 SH   SOLE   57,937 0 0
FNCB BANCORP INC COM COMMON STOCK 302578109   13,500 2,000 SH   SOLE   2,000 0 0
FACEBOOK INC COMMON STOCK 30303M102   1,710,774 3,393 SH   SOLE   3,393 0 0
FACEBOOK INC COMMON STOCK 30303M102   156,304 310 SH   DFND   310 0 0
FASTENAL CO COM COMMON STOCK 311900104   1,824,423 29,033 SH   SOLE   24,925 3,201 907
FASTENAL CO COM COMMON STOCK 311900104   649,951 10,343 SH   DFND   7,720 2,623 0
FIDELITY D & D BANCORP INC COM COMMON STOCK 31609R100   6,393 146 SH   SOLE   146 0 0
FORD MTR CO DEL COM PAR $0.01 COMMON STOCK 345370860   6,270 500 SH   SOLE   500 0 0
FREEPORTMCMORAN COPP CL B COMMON STOCK 35671D857   10,398 214 SH   SOLE   214 0 0
FREEPORTMCMORAN COPP CL B COMMON STOCK 35671D857   2,623 54 SH   DFND   54 0 0
GE HEALTHCARE TECHNOLOGIES ICOMMON STOCK COMMON STOCK 36266G107   22,360 287 SH   SOLE   287 0 0
GE HEALTHCARE TECHNOLOGIES ICOMMON STOCK COMMON STOCK 36266G107   15,816 203 SH   DFND   16 187 0
GARRETT MOTION INC COM COMMON STOCK 366505105   85 10 SH   DFND   0 10 0
GE VERNOVA INC COM COMMON STOCK 36828A101   44,932 262 SH   SOLE   262 0 0
GE VERNOVA INC COM COMMON STOCK 36828A101   62,428 364 SH   DFND   212 152 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108   139,551 481 SH   SOLE   481 0 0
GENERAL ELEC CO COM COMMON STOCK 369604301   211,745 1,332 SH   SOLE   1,332 0 0
GENERAL ELEC CO COM COMMON STOCK 369604301   233,682 1,470 SH   DFND   850 620 0
GENERAL MLS INC COM COMMON STOCK 370334104   536,184 8,476 SH   SOLE   7,748 728 0
GENERAL MLS INC COM COMMON STOCK 370334104   298,963 4,726 SH   DFND   4,026 700 0
GENERAL MOTORS CO COM COMMON STOCK 37045V100   9,290 200 SH   SOLE   200 0 0
GLAXOSMITHKLINE PLC SPONSORED ADR COMMON STOCK 37733W204   106,722 2,772 SH   SOLE   2,772 0 0
GLAXOSMITHKLINE PLC SPONSORED ADR COMMON STOCK 37733W204   3,080 80 SH   DFND   80 0 0
GLOBAL PAMENTS INC COMMON STOCK 37940X102   9,670 100 SH   SOLE   100 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104   1,814,242 4,011 SH   SOLE   3,823 188 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104   116,697 258 SH   DFND   203 55 0
HALEON PLC SPON ADS FOREIGN EQUITIES 405552100   826 100 SH   DFND   100 0 0
HASBRO INC COM COMMON STOCK 418056107   12,753 218 SH   SOLE   218 0 0
HERSHEY FOODS CORP COM COMMON STOCK 427866108   78,862 429 SH   SOLE   429 0 0
HOME DEPOT INC COM COMMON STOCK 437076102   2,003,401 5,820 SH   SOLE   5,369 451 0
HOME DEPOT INC COM COMMON STOCK 437076102   79,860 232 SH   DFND   232 0 0
HONEYWELL INTL INC COM COMMON STOCK 438516106   602,181 2,820 SH   SOLE   2,820 0 0
HONEYWELL INTL INC COM COMMON STOCK 438516106   21,354 100 SH   DFND   0 100 0
INDEXIQ ETF TR HEDGE MLTI ETF ETF- ALTERNATIVE 45409B107   27,079 873 SH   SOLE   873 0 0
INTEL CORP COM COMMON STOCK 458140100   115,945 3,745 SH   SOLE   3,345 0 400
INTEL CORP COM COMMON STOCK 458140100   133,066 4,298 SH   DFND   3,898 400 0
INTERNATIONAL BUSINESS MACHSCOM COMMON STOCK 459200101   401,585 2,322 SH   SOLE   2,322 0 0
INTERNATIONAL BUSINESS MACHSCOM COMMON STOCK 459200101   356,448 2,061 SH   DFND   0 2,061 0
INVESCO EXCHANGE TRADED FD TS&P500 EQL WGT ETF EQUITIES 46137V357   45,011 274 SH   SOLE   274 0 0
INVESCO EX PFD ETF MUTUAL FUNDS-ETF EQUITIES 46138E511   46,200 4,000 SH   SOLE   4,000 0 0
ISHARES MSCI PAC JP ETF MUTUAL FUNDS-EQUITIES 464286665   2,150 50 SH   SOLE   50 0 0
ISHARES S&P 100 MUTUAL FUNDS-EQUITIES 464287101   13,214 50 SH   SOLE   50 0 0
I SHARES TR DJ SLECT DIV INDEX ETF EQUITIES 464287168   33,995 281 SH   SOLE   281 0 0
ISHARES S&P 500 INDEX MUTUAL FUNDS-ETF EQUITIES 464287200   2,720,771 4,972 SH   SOLE   4,972 0 0
ISHARES S&P 500 INDEX MUTUAL FUNDS-ETF EQUITIES 464287200   4,924 9 SH   DFND   0 9 0
ISHARES TR MSCI EAFE INDEX MUTUAL FUNDS-ETF EQUITIES 464287465   499,034 6,371 SH   SOLE   6,371 0 0
ISHARES TR MSCI EAFE INDEX MUTUAL FUNDS-ETF EQUITIES 464287465   62,663 800 SH   DFND   793 7 0
ISHARES TR RUS MD CP GR ETF ETF EQUITIES 464287481   10,924 99 SH   SOLE   99 0 0
ISHARES RUSSELL MID-CAP ETF MUTUAL FUNDS-EQUITIES 464287499   24,324 300 SH   SOLE   300 0 0
ISHARES RUSSELL 1000 VALUE ETF EQUITIES 464287598   32,276 185 SH   SOLE   185 0 0
ISHARES RUSSELL 1000 GROWTH ETF EQUITIES 464287614   47,386 130 SH   SOLE   130 0 0
ISHARES S&P 600 INDEX MUTUAL FUNDS-ETF EQUITIES 464287804   26,664 250 SH   SOLE   250 0 0
ISHARES TR US TREAS BD ETF MUTUAL FUNDS-ETF FIXED INCOME 46429B267   13,964 619 SH   SOLE   619 0 0
J P MORGAN CHASE & CO COM COMMON STOCK 46625H100   3,106,495 15,359 SH   SOLE   14,188 1,171 0
J P MORGAN CHASE & CO COM COMMON STOCK 46625H100   344,245 1,702 SH   DFND   1,393 309 0
JOHNSON & JOHNSON COM COMMON STOCK 478160104   2,342,344 16,026 SH   SOLE   15,261 765 0
JOHNSON & JOHNSON COM COMMON STOCK 478160104   1,077,637 7,373 SH   DFND   6,450 923 0
KELLOGG CO COM COMMON STOCK 487836108   28,840 500 SH   SOLE   0 0 500
KELLOGG CO COM COMMON STOCK 487836108   86,520 1,500 SH   DFND   1,500 0 0
KIMBERLY CLARK CORP COM COMMON STOCK 494368103   238,947 1,729 SH   SOLE   1,729 0 0
KIMBERLY CLARK CORP COM COMMON STOCK 494368103   466,010 3,372 SH   DFND   3,372 0 0
KINDER MORGAN INC (DE) CLASS P COMMON STOCK 49456B101   19 1 SH   SOLE   1 0 0
KRAFT HEINZ CO COM COMMON STOCK 500754106   146,053 4,533 SH   SOLE   4,533 0 0
KRAFT HEINZ CO COM COMMON STOCK 500754106   37,986 1,179 SH   DFND   646 533 0
KYNDRYL HLDGS INC COMMON STOCK COMMON STOCK 50155Q100   604 23 SH   SOLE   23 0 0
KYNDRYL HLDGS INC COMMON STOCK COMMON STOCK 50155Q100   4,208 160 SH   DFND   0 160 0
LILLY ELI & CO COM COMMON STOCK 532457108   6,105,858 6,744 SH   SOLE   6,208 336 200
LILLY ELI & CO COM COMMON STOCK 532457108   8,221,752 9,081 SH   DFND   7,381 1,700 0
LITTLEFUSE INC COMMON STOCK 537008104   9,712 38 SH   SOLE   38 0 0
LOCKHEED MARTIN CORP COM COMMON STOCK 539830109   1,001,896 2,145 SH   SOLE   2,127 18 0
LOCKHEED MARTIN CORP COM COMMON STOCK 539830109   77,069 165 SH   DFND   165 0 0
LOWES COS INC COM COMMON STOCK 548661107   400,134 1,815 SH   SOLE   1,415 0 400
LOWES COS INC COM COMMON STOCK 548661107   198,414 900 SH   DFND   500 400 0
LUCID GROUP INC COM COMMON STOCK 549498103   1,040 400 SH   SOLE   400 0 0
LULULEMON ATHLETICA COMMON STOCK 550021109   59,738 200 SH   SOLE   200 0 0
MANNKIND CORPORATION COMMON STOCK 56400P706   1,211 232 SH   DFND   232 0 0
MARATHON OIL CO COMMON STOCK 565849106   89,161 3,111 SH   SOLE   3,111 0 0
MARATHON PETROLEUM CORP COMMON STOCK 56585A102   346,960 2,000 SH   SOLE   2,000 0 0
MASTERCARD INCORPORATED COMMON STOCK 57636Q104   2,240,142 5,078 SH   SOLE   4,595 483 0
MASTERCARD INCORPORATED COMMON STOCK 57636Q104   1,379,473 3,127 SH   DFND   2,389 738 0
MATTEL INC COM COMMON STOCK 577081102   20,670 1,272 SH   DFND   0 1,272 0
MCDONALDS CORP COM COMMON STOCK 580135101   4,202,804 16,492 SH   SOLE   15,911 581 0
MCDONALDS CORP COM COMMON STOCK 580135101   819,563 3,216 SH   DFND   2,997 219 0
MCKESSON CORP COMMON STOCK 58155Q103   58,403 100 SH   SOLE   100 0 0
MERCK & CO INC NEW COMMON STOCK 58933Y105   2,065,724 16,686 SH   SOLE   16,336 0 350
MERCK & CO INC NEW COMMON STOCK 58933Y105   771,273 6,230 SH   DFND   5,577 653 0
METLIFE INC COMMON STOCK 59156R108   10,528 150 SH   DFND   0 150 0
MICROSOFT CORP COMMON STOCK 594918104   8,370,454 18,728 SH   SOLE   17,609 1,000 119
MICROSOFT CORP COMMON STOCK 594918104   2,434,087 5,446 SH   DFND   3,431 2,015 0
MICROCHIP TECHNOLOGY INC COM COMMON STOCK 595017104   2,596,949 28,382 SH   SOLE   25,002 2,680 700
MICROCHIP TECHNOLOGY INC COM COMMON STOCK 595017104   682,406 7,458 SH   DFND   5,436 2,022 0
MICROVAST HOLDINGS INC COM COMMON STOCK 59516C106   225 500 SH   SOLE   500 0 0
MONDELEZ INTL INC COMMON STOCK 609207105   541,314 8,272 SH   SOLE   7,848 0 424
MONDELEZ INTL INC COMMON STOCK 609207105   604,466 9,237 SH   DFND   7,870 1,367 0
MORGAN STANLEY DEAN WITTER DISCOVER & CO COMMON STOCK 617446448   1,054,202 10,847 SH   SOLE   10,299 548 0
MORGAN STANLEY DEAN WITTER DISCOVER & CO COMMON STOCK 617446448   20,312 209 SH   DFND   107 102 0
NBT BANCORP INC COM COMMON STOCK 628778102   733,210 19,000 SH   SOLE   19,000 0 0
NEW YORK TIMES CO CL A COMMON STOCK 650111107   30,720 600 SH   SOLE   600 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101   687,209 9,705 SH   SOLE   9,705 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101   1,212,053 17,117 SH   DFND   14,917 2,200 0
NIKE INC CL B COMMON STOCK 654106103   788,803 10,466 SH   SOLE   9,483 983 0
NIKE INC CL B COMMON STOCK 654106103   94,060 1,248 SH   DFND   1,248 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108   596,615 2,779 SH   SOLE   2,743 36 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108   69,774 325 SH   DFND   225 100 0
NORWOOD FINANCIAL CORPORATION COMMON STOCK 669549107   90,189 3,555 SH   SOLE   3,555 0 0
NOVARTIS AG COMMON STOCK 66987V109   114,125 1,072 SH   SOLE   872 0 200
NOVARTIS AG COMMON STOCK 66987V109   141,058 1,325 SH   DFND   1,033 292 0
NOVO-NORDISK A S ADR COMMON STOCK 670100205   935,500 6,554 SH   SOLE   6,177 377 0
NOVO-NORDISK A S ADR COMMON STOCK 670100205   129,607 908 SH   DFND   908 0 0
NUCOR CORP COMMON STOCK 670346105   51,376 325 SH   SOLE   325 0 0
NVIDIA CORP COM COMMON STOCK 67066G104   86,478 700 SH   SOLE   700 0 0
NUVEEN REAL ESTATE INCOME FD MUTUAL FUNDS-ETF FIXED INCOME 67071B108   1,527 200 SH   SOLE   200 0 0
OREILLY AUTOMOTIVE INC COM COMMON STOCK 67103H107   105,605 100 SH   DFND   100 0 0
OCCIDENTAL PETE CORP DEL COM COMMON STOCK 674599105   113,370 1,799 SH   SOLE   1,799 0 0
OCCIDENTAL PETE CORP DEL COM COMMON STOCK 674599105   25,208 400 SH   DFND   0 400 0
OPAL FUELS INC CLASS A COM COMMON STOCK 68347P103   2,045 500 SH   SOLE   500 0 0
ORACLE CORP COM COMMON STOCK 68389X105   1,777,704 12,590 SH   SOLE   10,857 1,733 0
ORACLE CORP COM COMMON STOCK 68389X105   60,433 428 SH   DFND   228 200 0
OTIS WORLDWIDE CORP COM COMMON STOCK 68902V107   4,813 50 SH   SOLE   50 0 0
PNC FINL SVCS GROUP INC COM COMMON STOCK 693475105   775,377 4,987 SH   SOLE   4,687 0 300
PNC FINL SVCS GROUP INC COM COMMON STOCK 693475105   474,214 3,050 SH   DFND   0 3,050 0
PPG INDS INC COM COMMON STOCK 693506107   47,208 375 SH   SOLE   375 0 0
PPG INDS INC COM COMMON STOCK 693506107   50,356 400 SH   DFND   0 400 0
PPL CORP, COM COMMON STOCK 69351T106   612,333 22,154 SH   SOLE   21,454 0 700
PPL CORP, COM COMMON STOCK 69351T106   74,628 2,700 SH   DFND   2,500 200 0
PAYCHEX INC COM COMMON STOCK 704326107   39,242 331 SH   SOLE   331 0 0
PAYPAL HLDGS INC COM COMMON STOCK 70450Y103   205,676 3,545 SH   SOLE   3,545 0 0
PAYPAL HLDGS INC COM COMMON STOCK 70450Y103   46,416 800 SH   DFND   800 0 0
PEOPLES FINL SVCS CORP COMMON STOCK 711040105   9,247,842 203,071 SH   SOLE   89,003 0 114,068
PEOPLES FINL SVCS CORP COMMON STOCK 711040105   1,571,767 34,514 SH   DFND   0 34,514 0
PEPSICO INC COM COMMON STOCK 713448108   1,457,802 8,839 SH   SOLE   8,157 682 0
PEPSICO INC COM COMMON STOCK 713448108   1,178,587 7,146 SH   DFND   690 6,456 0
PFIZER INC COM COMMON STOCK 717081103   844,600 30,197 SH   SOLE   29,997 0 200
PFIZER INC COM COMMON STOCK 717081103   760,249 27,181 SH   DFND   15,970 10,711 500
PHILIP MORRIS INTL INC COMMON STOCK 718172109   180,264 1,779 SH   SOLE   1,779 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109   287,777 2,840 SH   DFND   1,240 1,600 0
PHILLIPS 66 COMMON STOCK 718546104   434,097 3,075 SH   SOLE   3,075 0 0
PHILLIPS 66 COMMON STOCK 718546104   333,867 2,365 SH   DFND   2,365 0 0
PROCTER & GAMBLE CO COM COMMON STOCK 742718109   3,187,555 19,328 SH   SOLE   18,229 810 289
PROCTER & GAMBLE CO COM COMMON STOCK 742718109   2,799,021 16,972 SH   DFND   10,782 5,790 400
PROSPECT CAP CORP COM COMMON STOCK 74348T102   1,133 205 SH   SOLE   205 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102   36,563 312 SH   SOLE   312 0 0
PUBLIC SVC ENTERPRISE GROUP COM COMMON STOCK 744573106   19,455 264 SH   SOLE   264 0 0
PUBLIC SVC ENTERPRISE GROUP COM COMMON STOCK 744573106   29,480 400 SH   DFND   400 0 0
QUALCOMM INC COM COMMON STOCK 747525103   2,217,459 11,133 SH   SOLE   11,133 0 0
QUALCOMM INC COM COMMON STOCK 747525103   255,149 1,281 SH   DFND   1,281 0 0
RAYTHEON TECHNOLOGIES CORP COM COMMON STOCK 75513E101   133,517 1,330 SH   SOLE   1,330 0 0
RAYTHEON TECHNOLOGIES CORP COM COMMON STOCK 75513E101   853,315 8,500 SH   DFND   8,500 0 0
REGIONS FINANCIAL CORP NEW COMMON STOCK 7591EP100   11,417 570 SH   SOLE   570 0 0
RESIDEO TECHNOLOGIES INC COM COMMON STOCK 76118Y104   312 16 SH   DFND   0 16 0
SHELL PLC SPON ADS COMMON STOCK 780259305   227,367 3,150 SH   DFND   400 2,750 0
GOLD TRUST MUTUAL FUNDS-ETF EQUITIES 78463V107   107,505 500 SH   SOLE   500 0 0
SPDR INDEX SHS FDS S&P INTL ETF MUTUAL FUNDS-ETF EQUITIES 78463X772   27,543 800 SH   SOLE   800 0 0
SANOFI AVENTIS SPONSORED ADR FOREIGN EQUITIES 80105N105   9,704 200 SH   SOLE   200 0 0
SCHLUMBERGER LTD COM COMMON STOCK 806857108   146,917 3,114 SH   SOLE   2,714 0 400
SCHLUMBERGER LTD COM COMMON STOCK 806857108   19,532 414 SH   DFND   150 264 0
SCHWAB STRATEGIC TR US BRD MKT ETF MUTUAL FUNDS-ETF EQUITIES 808524102   144,578 2,300 SH   SOLE   2,300 0 0
SPDR MATERIALS COMMON STOCK 81369Y100   783,654 8,874 SH   SOLE   8,687 187 0
SPDR HEALTH CARE COMMON STOCK 81369Y209   310,008 2,127 SH   SOLE   2,007 120 0
SPDR HEALTH CARE COMMON STOCK 81369Y209   13,554 93 SH   DFND   93 0 0
SPDR STAPLES COMMON STOCK 81369Y308   9,112 119 SH   SOLE   119 0 0
SPDR DISCRETIONARY COMMON STOCK 81369Y407   315,734 1,731 SH   SOLE   1,731 0 0
SPDR DISCRETIONARY COMMON STOCK 81369Y407   18,240 100 SH   DFND   100 0 0
SPDR ENERGY COMMON STOCK 81369Y506   886,153 9,722 SH   SOLE   7,007 2,715 0
SPDR ENERGY COMMON STOCK 81369Y506   50,131 550 SH   DFND   425 125 0
SPDR FINANCIALS COMMON STOCK 81369Y605   216,854 5,275 SH   SOLE   5,275 0 0
SPDR FINANCIALS COMMON STOCK 81369Y605   20,555 500 SH   DFND   500 0 0
SPDR INDUSTRIALS COMMON STOCK 81369Y704   42,530 349 SH   SOLE   349 0 0
SPDR TECHNOLOGY COMMON STOCK 81369Y803   884,782 3,911 SH   SOLE   3,911 0 0
SPDR COMMUNICATION COMMON STOCK 81369Y852   1,371,247 16,010 SH   SOLE   14,637 1,373 0
SPDR COMMUNICATION COMMON STOCK 81369Y852   17,130 200 SH   DFND   200 0 0
SPDR REAL ESTATE COMMON STOCK 81369Y860   96,384 2,510 SH   SOLE   2,510 0 0
SPDR UTILITIES COMMON STOCK 81369Y886   1,402,651 20,588 SH   SOLE   18,172 2,416 0
SNDL INC COM COMMON STOCK 83307B101   189 100 SH   SOLE   100 0 0
SOLVENTUM CORP COM SHS COMMON STOCK 83444M101   30,876 584 SH   SOLE   559 0 25
SOLVENTUM CORP COM SHS COMMON STOCK 83444M101   3,278 62 SH   DFND   0 62 0
SOUTHERN CO COM COMMON STOCK 842587107   869,052 11,205 SH   SOLE   10,305 200 700
SOUTHERN CO COM COMMON STOCK 842587107   697,497 8,993 SH   DFND   8,793 200 0
SOUTHWESTERN ENERGY COMMON STOCK 845467109   6,730 1,000 SH   SOLE   1,000 0 0
SPROTT PHYSICAL SILVER TR TR UNIT COMMON STOCK 85207K107   49,650 5,000 SH   DFND   5,000 0 0
STARBUCKS CORP COM COMMON STOCK 855244109   70,453 905 SH   SOLE   705 200 0
STARBUCKS CORP COM COMMON STOCK 855244109   194,625 2,500 SH   DFND   2,500 0 0
STATE STR CORP COM COMMON STOCK 857477103   112,332 1,518 SH   SOLE   1,518 0 0
STATE STR CORP COM COMMON STOCK 857477103   14,504 196 SH   DFND   196 0 0
SUNCOR ENERGY INC NEW COM FOREIGN EQUITIES 867224107   34,775 913 SH   SOLE   913 0 0
SYNCHRONY FINANCIAL COM COMMON STOCK 87165B103   11,795 250 SH   SOLE   250 0 0
SYSCO CORP COM COMMON STOCK 871829107   94,578 1,325 SH   SOLE   1,025 300 0
SYSCO CORP COM COMMON STOCK 871829107   58,460 819 SH   DFND   0 819 0
TJX COMPANIES COMMON STOCK 872540109   22,020 200 SH   SOLE   0 0 200
TAIWAN SEMICONDUCTOR ADR FOREIGN EQUITIES 874039100   6,778 39 SH   SOLE   39 0 0
TARGET CORP COMMON STOCK 87612E106   717,978 4,850 SH   SOLE   4,399 451 0
TELEDYNE TECHNOLOGIES INC COMMON STOCK 879360105   14,354 37 SH   SOLE   37 0 0
TESLA MOTORS, INC COMMON STOCK 88160R101   8,904 45 SH   SOLE   45 0 0
THERMO FISCHER SCIENTIFIC COMMON STOCK 883556102   627,102 1,134 SH   SOLE   1,029 105 0
3M CO COMMON STOCK 88579Y101   301,859 2,954 SH   SOLE   2,854 0 100
3M CO COMMON STOCK 88579Y101   45,985 450 SH   DFND   0 450 0
TRACTOR SUPPLY CO COM COMMON STOCK 892356106   19,170 71 SH   SOLE   71 0 0
TRAVELERS COMPANIES INC COM COMMON STOCK 89417E109   62,830 309 SH   SOLE   309 0 0
TRUIST FINL CORP COM COMMON STOCK 89832Q109   22,060 568 SH   SOLE   568 0 0
US BANCORP DEL COMMON STOCK 902973304   240,858 6,067 SH   SOLE   5,767 300 0
US BANCORP DEL COMMON STOCK 902973304   31,760 800 SH   DFND   800 0 0
UNION PAC CORP COM COMMON STOCK 907818108   142,091 628 SH   SOLE   628 0 0
UNION PAC CORP COM COMMON STOCK 907818108   577,868 2,554 SH   DFND   0 2,554 0
UNITED PARCEL SERVICE INC CL B COMMON STOCK 911312106   511,537 3,738 SH   SOLE   3,187 359 192
UNITED PARCEL SERVICE INC CL B COMMON STOCK 911312106   88,678 648 SH   DFND   648 0 0
UNITED STATES STL CORP NEW COM COMMON STOCK 912909108   2,342 62 SH   SOLE   62 0 0
VANECK VECTORS ETF TR GOLD MINERS ETF COMMON STOCK 92189F106   67,860 2,000 SH   DFND   2,000 0 0
VANGUARD TOTAL INTL STOCK VG TL INTL STK F MUTUAL FUNDS-ETF EQUITIES 921909768   1,368,814 22,704 SH   SOLE   20,476 2,228 0
VANGUARD TOTAL INTL STOCK VG TL INTL STK F MUTUAL FUNDS-ETF EQUITIES 921909768   32,615 541 SH   DFND   541 0 0
VANGUARD BD INDEX FDS LONG TERM BOND MUTUAL FUNDS-ETF FIXED INCOME 921937793   8,785 125 SH   SOLE   125 0 0
VANGUARD B SHORT TERM BOND MUTUAL FUNDS-ETF FIXED INCOME 921937827   47,937 625 SH   DFND   0 625 0
VANGUARD BD INDEX FD INC TOTAL BD MARKET MUTUAL FUNDS-ETF FIXED INCOME 921937835   44,592 619 SH   DFND   0 619 0
VANGUARD FTSE DEVELOPED MARKET ETF MUTUAL FUNDS-ETF EQUITIES 921943858   11,561 234 SH   SOLE   234 0 0
VANGUARD INFORMATION TECH ETF MUTUAL FUNDS-ETF EQUITIES 92204A702   114,162 198 SH   SOLE   198 0 0
VANGUARD INTL EQUITY INDEX FALLWRLD EX US MUTUAL FUNDS-ETF EQUITIES 922042775   7,035 120 SH   SOLE   120 0 0
VANGUARD EMERGING MARKETS ETF MUTUAL FUNDS-ETF EQUITIES 922042858   61,250 1,400 SH   SOLE   1,400 0 0
VANGUARD EMERGING MARKETS ETF MUTUAL FUNDS-ETF EQUITIES 922042858   12,993 297 SH   DFND   297 0 0
VANGUARD 500 INDEX FUND MUTUAL FUNDS-ETF EQUITIES 922908363   879,226 1,758 SH   SOLE   1,758 0 0
VANGUARD 500 INDEX FUND MUTUAL FUNDS-ETF EQUITIES 922908363   74,017 148 SH   DFND   148 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP ETF EQUITIES 922908512   10,379 69 SH   SOLE   69 0 0
VANGUARD REAL ESTATE COMMON STOCK 922908553   1,064,745 12,712 SH   SOLE   11,373 1,072 267
VANGUARD REAL ESTATE COMMON STOCK 922908553   117,681 1,405 SH   DFND   1,150 255 0
VANGUARD MID CAP ETF MUTUAL FUNDS-ETF EQUITIES 922908629   832,089 3,437 SH   SOLE   3,307 130 0
VANGUARD MID CAP ETF MUTUAL FUNDS-ETF EQUITIES 922908629   37,766 156 SH   DFND   54 102 0
VANGUARD INDEX FDS EXTEND MKT ETF MUTUAL FUNDS-ETF EQUITIES 922908652   1,404,490 8,321 SH   SOLE   8,321 0 0
VANGUARD INDEX FDS EXTEND MKT ETF MUTUAL FUNDS-ETF EQUITIES 922908652   13,502 80 SH   DFND   80 0 0
VANGUARD GROWTH ETF MUTUAL FUNDS-ETF EQUITIES 922908736   643,293 1,720 SH   SOLE   1,720 0 0
VANGUARD VALUE ETF MUTUAL FUNDS-ETF EQUITIES 922908744   506,735 3,159 SH   SOLE   3,159 0 0
VANGUARD SMALL CAP ETF ETF EQUITIES 922908751   2,157,278 9,894 SH   SOLE   9,760 134 0
VANGUARD SMALL CAP ETF ETF EQUITIES 922908751   77,184 354 SH   DFND   253 101 0
VERALTO CORP COM SHS COMMON STOCK 92338C103   2,482 26 SH   DFND   26 0 0
VERIZON COMMUNICATIONS COM COMMON STOCK 92343V104   1,441,871 34,972 SH   SOLE   32,203 1,669 1,100
VERIZON COMMUNICATIONS COM COMMON STOCK 92343V104   370,655 8,990 SH   DFND   3,046 3,444 2,500
VIATRIS INC COM COMMON STOCK 92556V106   3,145 296 SH   SOLE   296 0 0
VIATRIS INC COM COMMON STOCK 92556V106   10,794 1,016 SH   DFND   421 533 62
VISA CLASS A COMMON STOCK 92826C839   465,336 1,773 SH   SOLE   1,773 0 0
VISA CLASS A COMMON STOCK 92826C839   549,328 2,093 SH   DFND   1,993 100 0
VIRTUS CONVERTIBLE & INCOME COM MUTUAL FUNDS-ETF EQUITIES 92838X102   9,222 2,829 SH   SOLE   2,829 0 0
VODAFONE GROUP PLC FOREIGN EQUITIES 92857W308   236,299 26,641 SH   SOLE   26,641 0 0
VODAFONE GROUP PLC FOREIGN EQUITIES 92857W308   123,735 13,950 SH   DFND   13,950 0 0
WEC ENERGY GROUP INC COM COMMON STOCK 92939U106   25,577 326 SH   SOLE   326 0 0
WK KELLOGG CO COM SHS COMMON STOCK 92942W107   6,168 375 SH   DFND   375 0 0
WABTEC CORP COM COMMON STOCK 929740108   316 2 SH   SOLE   2 0 0
WABTEC CORP COM COMMON STOCK 929740108   5,372 34 SH   DFND   11 23 0
WAL MART STORES INC COM COMMON STOCK 931142103   953,484 14,084 SH   SOLE   14,084 0 0
WAL MART STORES INC COM COMMON STOCK 931142103   162,480 2,400 SH   DFND   2,400 0 0
WALGREENS BOOTS ALLIANCE COMMON STOCK 931427108   8,764 725 SH   SOLE   725 0 0
WALGREENS BOOTS ALLIANCE COMMON STOCK 931427108   1,209 100 SH   DFND   0 100 0
WARNER BROS DISCOVERY INC COM SER A COMMON STOCK 934423104   6,321 850 SH   SOLE   850 0 0
WARNER BROS DISCOVERY INC COM SER A COMMON STOCK 934423104   3,041 409 SH   DFND   72 337 0
WASTE MANAGEMENT INC NEW COMMON STOCK 94106L109   665,825 3,121 SH   SOLE   3,072 49 0
WELLS FARGO & CO NEW COM COMMON STOCK 949746101   676,748 11,397 SH   SOLE   11,397 0 0
WELLS FARGO & CO NEW COM COMMON STOCK 949746101   72,264 1,217 SH   DFND   1,217 0 0
WEYERHAEUSER CO COM COMMON STOCK 962166104   26,790 944 SH   SOLE   944 0 0
WEYERHAEUSER CO COM COMMON STOCK 962166104   39,732 1,400 SH   DFND   0 1,400 0
XCEL ENERGY INC COMMON STOCK 98389B100   181,560 3,400 SH   SOLE   3,400 0 0
XYLEM INC COMMON STOCK 98419M100   489,753 3,611 SH   SOLE   2,839 772 0
XYLEM INC COMMON STOCK 98419M100   134,680 993 SH   DFND   893 100 0
ZOETIS INC CL A COMMON STOCK 98978V103   206,814 1,193 SH   SOLE   1,161 32 0