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
ALLEGION PLC FOREIGN EQUITIES G0176J109 30 331 SH   SOLE 0 331 0 0
ALLERGAN PLC FOREIGN EQUITIES G0177J108 31 209 SH   SOLE 0 209 0 0
ACCENTURE PLC CL A FOREIGN EQUITIES G1151C101 31 175 SH   SOLE 0 175 0 0
BROOKFIELD BUSINESS PARTNERSUNIT LTD LP PARTNERSHIPS G16234109 1 20 SH   DFND 0 20 0 0
BROOKFIELD PROPERTY PARTNERS FOREIGN EQUITIES G16249107 1 38 SH   DFND 0 38 0 0
BROOKFIELD INFRASTRUCTURE PARTNERS LP FOREIGN EQUITIES G16252101 2 40 SH   DFND 0 40 0 0
EATON CORP PLC FOREIGN EQUITIES G29183103 24 300 SH   SOLE 0 300 0 0
EATON CORP PLC FOREIGN EQUITIES G29183103 38 473 SH   DFND 0 473 0 0
IHS MARKIT LTD. FOREIGN EQUITIES G47567105 6 107 SH   SOLE 0 107 0 0
INGERSOLL-RAND PLC FOREIGN EQUITIES G47791101 134 1,242 SH   SOLE 0 1,242 0 0
LINDE PLC FOREIGN EQUITIES G5494J103 43 243 SH   SOLE 0 243 0 0
MEDTRONIC PLC FOREIGN EQUITIES G5960L103 365 4,012 SH   SOLE 0 4,012 0 0
MEDTRONIC PLC FOREIGN EQUITIES G5960L103 40 440 SH   DFND 0 440 0 0
SEAGATE TECHNOLOGY PLC FOREIGN EQUITIES G7945M107 8 165 SH   SOLE 0 165 0 0
CHUBB LTD FOREIGN EQUITIES H1467J104 1,368 9,767 SH   SOLE 0 9,767 0 0
CHUBB LTD FOREIGN EQUITIES H1467J104 138 982 SH   DFND 0 982 0 0
ROYAL CARIBBEAN CRUISES LTD FOREIGN EQUITIES V7780T103 7 60 SH   SOLE 0 60 0 0
ABB LTD ADR FOREIGN EQUITIES 000375204 6 300 SH   SOLE 0 300 0 0
ALPS SECTOR DIV DOGS ETF ETF/EQUITY 00162Q858 11 250 SH   SOLE 0 250 0 0
AT&T INC COMMON STOCK 00206R102 6,168 196,670 SH   SOLE 0 196,320 0 350
AT&T INC COMMON STOCK 00206R102 1,341 42,770 SH   DFND 0 42,770 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100 2,927 36,610 SH   SOLE 0 36,610 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100 338 4,225 SH   DFND 0 4,225 0 0
ABBVIE INC COMMON STOCK 00287Y109 4,484 55,642 SH   SOLE 0 55,642 0 0
ABBVIE INC COMMON STOCK 00287Y109 551 6,840 SH   DFND 0 6,840 0 0
ADOBE SYS INC COMMON STOCK 00724F101 53 200 SH   SOLE 0 200 0 0
ADVANSIX INC COMMON STOCK 00773T101 0 3 SH   SOLE 0 3 0 0
AGILENT TECHNOLOGIES INC COMMON STOCK 00846U101 6 76 SH   DFND 0 76 0 0
AIR PRODS & CHEMS INC COMMON STOCK 009158106 407 2,130 SH   SOLE 0 2,130 0 0
ALBEMARLE CORP COMMON STOCK 012653101 164 2,000 SH   DFND 0 2,000 0 0
ALCOA CORP COMMON STOCK 013872106 12 444 SH   DFND 0 444 0 0
ALIBABA GROUP HLD FOREIGN EQUITIES 01609W102 6 34 SH   DFND 0 34 0 0
ALLSTATE CORP COMMON STOCK 020002101 9 100 SH   SOLE 0 100 0 0
ALLSTATE CORP COMMON STOCK 020002101 34 360 SH   DFND 0 360 0 0
ALPHABET INC CLASS C COMMON STOCK 02079K107 130 111 SH   SOLE 0 111 0 0
ALPHABET INC CLASS C COMMON STOCK 02079K107 6 5 SH   DFND 0 5 0 0
ALPHABET INC CLASS A COMMON STOCK 02079K305 348 296 SH   SOLE 0 296 0 0
ALPHABET INC CLASS A COMMON STOCK 02079K305 12 10 SH   DFND 0 10 0 0
ALTABA INC COMMON STOCK 021346101 15 200 SH   DFND 0 200 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 927 16,136 SH   SOLE 0 16,136 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 67 1,164 SH   DFND 0 1,164 0 0
AMAZON.COM INC COMMON STOCK 023135106 171 96 SH   SOLE 0 96 0 0
AMAZON.COM INC COMMON STOCK 023135106 25 14 SH   DFND 0 14 0 0
AMEREN CORP COMMON STOCK 023608102 184 2,498 SH   SOLE 0 2,498 0 0
AMERICAN ELECTRIC POWER CO COMMON STOCK 025537101 337 4,019 SH   SOLE 0 4,019 0 0
AMERICAN ELECTRIC POWER CO COMMON STOCK 025537101 270 3,219 SH   DFND 0 3,219 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 890 8,144 SH   SOLE 0 8,144 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 49 450 SH   DFND 0 450 0 0
AMERICAN INTL GROUP INC W EXP 01/19/2021 WARRANTS & RIGHTS 026874156 0 10 SH   DFND 0 10 0 0
AMERISOURCEBERGEN CORP COMMON STOCK 03073E105 7 85 SH   SOLE 0 85 0 0
AMERIPRISE FINANCIAL INC COMMON STOCK 03076C106 61 474 SH   SOLE 0 474 0 0
AMERIPRISE FINANCIAL INC COMMON STOCK 03076C106 5 40 SH   DFND 0 40 0 0
AMGEN INC COMMON STOCK 031162100 1,243 6,544 SH   SOLE 0 6,544 0 0
AMGEN INC COMMON STOCK 031162100 442 2,325 SH   DFND 0 2,325 0 0
ANALOG DEVICES INC COMMON STOCK 032654105 20 186 SH   SOLE 0 186 0 0
ANTHEM INC COMMON STOCK 036752103 610 2,125 SH   SOLE 0 2,125 0 0
APACHE CORP COMMON STOCK 037411105 35 1,015 SH   SOLE 0 1,015 0 0
APERGY CORP COMMON STOCK 03755L104 1 33 SH   SOLE 0 33 0 0
APPLE INC COMMON STOCK 037833100 19,025 100,156 SH   SOLE 0 100,156 0 0
APPLE INC COMMON STOCK 037833100 503 2,647 SH   DFND 0 2,647 0 0
APPLIED DNA SCIENCES INC COMMON STOCK 03815U201 0 25 SH   SOLE 0 25 0 0
APPLIED MATERIALS INC COMMON STOCK 038222105 16 400 SH   SOLE 0 400 0 0
APPLIED MATERIALS INC COMMON STOCK 038222105 9 225 SH   DFND 0 225 0 0
AQUA AMERICA INC COMMON STOCK 03836W103 272 7,480 SH   SOLE 0 7,480 0 0
AQUA AMERICA INC COMMON STOCK 03836W103 37 1,025 SH   DFND 0 1,025 0 0
ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102 5 110 SH   SOLE 0 110 0 0
ARCONIC INC COMMON STOCK 03965L100 25 1,333 SH   DFND 0 1,333 0 0
ARROW FINANCIAL CORP COMMON STOCK 042744102 210 6,387 SH   SOLE 0 6,387 0 0
ASTRAZENECA PLC ADR FOREIGN EQUITIES 046353108 10 238 SH   SOLE 0 238 0 0
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 2,429 15,209 SH   SOLE 0 15,209 0 0
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 689 4,312 SH   DFND 0 4,312 0 0
AVALONBAY COMMUNITIES INC COMMON STOCK 053484101 20 100 SH   SOLE 0 100 0 0
AVANOS MED INC COM COMMON STOCK 05350V106 6 150 SH   DFND 0 150 0 0
BB&T CORP COMMON STOCK 054937107 439 9,445 SH   SOLE 0 9,445 0 0
BB&T CORP COMMON STOCK 054937107 71 1,535 SH   DFND 0 1,535 0 0
BCE INC FOREIGN EQUITIES 05534B760 127 2,860 SH   SOLE 0 2,860 0 0
BP PLC ADR FOREIGN EQUITIES 055622104 99 2,260 SH   DFND 0 2,260 0 0
BWX TECHNOLOGIES INC COMMON STOCK 05605H100 3 55 SH   DFND 0 55 0 0
BANK OF AMERICA CORPORATION COMMON STOCK 060505104 150 5,444 SH   SOLE 0 5,444 0 0
BANK OF HAWAII CORP COMMON STOCK 062540109 8 100 SH   DFND 0 100 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 193 3,830 SH   SOLE 0 3,830 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 18 353 SH   DFND 0 353 0 0
BARRICK GOLD CORP FOREIGN EQUITIES 067901108 5 395 SH   SOLE 0 395 0 0
BAXTER INTERNATIONAL INC COMMON STOCK 071813109 126 1,555 SH   SOLE 0 1,555 0 0
BECTON DICKINSON & CO COMMON STOCK 075887109 886 3,546 SH   SOLE 0 3,546 0 0
BECTON DICKINSON & CO COMMON STOCK 075887109 250 1,000 SH   DFND 0 1,000 0 0
BEMIS CO INC COMMON STOCK 081437105 416 7,500 SH   SOLE 0 7,500 0 0
BEMIS CO INC COMMON STOCK 081437105 211 3,800 SH   DFND 0 3,800 0 0
BERKSHIRE HATHAWAY INC B COMMON STOCK 084670702 1,206 6,002 SH   SOLE 0 6,002 0 0
BERKSHIRE HATHAWAY INC B COMMON STOCK 084670702 95 475 SH   DFND 0 475 0 0
BERKSHIRE HILLS BANCORP INC COMMON STOCK 084680107 7 264 SH   DFND 0 264 0 0
BHP GROUP LTD ADR FOREIGN EQUITIES 088606108 722 13,202 SH   SOLE 0 13,202 0 0
BHP GROUP LTD ADR FOREIGN EQUITIES 088606108 142 2,600 SH   DFND 0 2,600 0 0
BIOGEN INC COMMON STOCK 09062X103 189 800 SH   DFND 0 800 0 0
BLACKROCK INC COMMON STOCK 09247X101 29 68 SH   SOLE 0 68 0 0
BLACKROCK ENHANCED EQT DIV ETF/EQUITY 09251A104 49 5,703 SH   DFND 0 5,703 0 0
THE BLACKSTONE GROUP L P COMMON STOCK 09253U108 3 100 SH   DFND 0 100 0 0
BLUE APRON HOLDINGS INC COMMON STOCK 09523Q101 0 100 SH   SOLE 0 100 0 0
BOEING COMPANY COMMON STOCK 097023105 1,429 3,747 SH   SOLE 0 3,747 0 0
BOEING COMPANY COMMON STOCK 097023105 27 70 SH   DFND 0 70 0 0
BOOKING HLDGS INC COMMON STOCK 09857L108 10 6 SH   SOLE 0 6 0 0
BRIDGE BANCORP INC COMMON STOCK 108035106 6 200 SH   SOLE 0 200 0 0
BRIGHTHOUSE FINANCIAL INC COMMON STOCK 10922N103 1 33 SH   SOLE 0 33 0 0
BRISTOL MYERS SQUIBB COMPANY COMMON STOCK 110122108 1,453 30,453 SH   SOLE 0 30,453 0 0
BRISTOL MYERS SQUIBB COMPANY COMMON STOCK 110122108 591 12,400 SH   DFND 0 12,400 0 0
BRITISH AMERICAN TOBACCO ADR FOREIGN EQUITIES 110448107 2 53 SH   SOLE 0 53 0 0
BROADRIDGE FINANCIAL SOLUTIONS COMMON STOCK 11133T103 6 55 SH   SOLE 0 55 0 0
BROOKFIELD ASSET MGMT INC CLASS A FOREIGN EQUITIES 112585104 47 1,017 SH   DFND 0 1,017 0 0
BUCKEYE PARTNERS LP UNIT LTD PARTN COMMON STOCK 118230101 10 300 SH   DFND 0 300 0 0
CDK GLOBAL INC COMMON STOCK 12508E101 7 116 SH   DFND 0 116 0 0
CF INDUSTRIES HLDGS INC COMMON STOCK 125269100 30 735 SH   SOLE 0 735 0 0
C H ROBINSON WORLDWIDE INC COMMON STOCK 12541W209 1,136 13,062 SH   SOLE 0 13,062 0 0
C H ROBINSON WORLDWIDE INC COMMON STOCK 12541W209 67 775 SH   DFND 0 775 0 0
CIGNA CORP NEW COMMON STOCK 125523100 137 855 SH   SOLE 0 855 0 0
CIGNA CORP NEW COMMON STOCK 125523100 2 14 SH   DFND 0 14 0 0
CMS ENERGY CORP COMMON STOCK 125896100 13 235 SH   SOLE 0 235 0 0
CSX CORP COMMON STOCK 126408103 48 635 SH   SOLE 0 635 0 0
CSX CORP COMMON STOCK 126408103 524 7,000 SH   DFND 0 7,000 0 0
CVS HEALTH CORP COMMON STOCK 126650100 1,224 22,703 SH   SOLE 0 22,703 0 0
CVS HEALTH CORP COMMON STOCK 126650100 76 1,415 SH   DFND 0 1,415 0 0
CAPITAL ONE FINANCIAL COMMON STOCK 14040H105 55 675 SH   SOLE 0 675 0 0
CATERPILLAR INC COMMON STOCK 149123101 962 7,099 SH   SOLE 0 7,099 0 0
CATERPILLAR INC COMMON STOCK 149123101 195 1,437 SH   DFND 0 1,437 0 0
CELGENE CORP COMMON STOCK 151020104 186 1,972 SH   SOLE 0 1,972 0 0
CELGENE CORP COMMON STOCK 151020104 184 1,950 SH   DFND 0 1,950 0 0
CENTENNIAL RESOURCE DEV INC COMMON STOCK 15136A102 2 200 SH   DFND 0 200 0 0
THE CHEMOURS CO COMMON STOCK 163851108 13 360 SH   DFND 0 360 0 0
CHEVRON CORP COMMON STOCK 166764100 3,353 27,224 SH   SOLE 0 27,224 0 0
CHEVRON CORP COMMON STOCK 166764100 710 5,761 SH   DFND 0 5,761 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 6,632 122,834 SH   SOLE 0 122,834 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 1,679 31,099 SH   DFND 0 31,099 0 0
CITIGROUP INC COMMON STOCK 172967424 58 927 SH   SOLE 0 927 0 0
CITIGROUP INC COMMON STOCK 172967424 6 100 SH   DFND 0 100 0 0
CLEARBRIDGE ENERGY MLP FD MUTUAL FUNDS MID CAP EQUITY 184692101 5 400 SH   DFND 0 400 0 0
COCA COLA COMPANY COMMON STOCK 191216100 4,999 106,686 SH   SOLE 0 106,686 0 0
COCA COLA COMPANY COMMON STOCK 191216100 899 19,184 SH   DFND 0 19,184 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 713 10,400 SH   SOLE 0 10,400 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 710 10,357 SH   DFND 0 10,357 0 0
COLUMBIA EMERGING MARKETS CONSUMER ETF ETF/INTERNATIONAL EQUITY 19762B509 1 35 SH   SOLE 0 35 0 0
COMCAST CORP CLASS A COMMON STOCK 20030N101 1,637 40,951 SH   SOLE 0 40,951 0 0
COMCAST CORP CLASS A COMMON STOCK 20030N101 169 4,224 SH   DFND 0 4,224 0 0
COMMUNITY BK SYS INC COMMON STOCK 203607106 251 4,200 SH   SOLE 0 4,200 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 1,295 19,401 SH   SOLE 0 19,401 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 347 5,192 SH   DFND 0 5,192 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 440 5,185 SH   SOLE 0 5,185 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 110 1,300 SH   DFND 0 1,300 0 0
CONSTELLATION BRANDS INC CLASS A COMMON STOCK 21036P108 253 1,441 SH   SOLE 0 1,441 0 0
CONSTELLATION BRANDS INC CLASS A COMMON STOCK 21036P108 175 1,000 SH   DFND 0 1,000 0 0
CORNING INC COMMON STOCK 219350105 202 6,090 SH   SOLE 0 6,090 0 0
CORNING INC COMMON STOCK 219350105 45 1,367 SH   DFND 0 1,367 0 0
COSTCO COMMON STOCK 22160K105 105 435 SH   SOLE 0 435 0 0
COSTCO COMMON STOCK 22160K105 13 55 SH   DFND 0 55 0 0
CRESTWOOD EQUITY PARTNERS LP COMMON STOCK 226344208 1 22 SH   DFND 0 22 0 0
CRYOPORT INC COMMON STOCK 229050307 13 1,000 SH   DFND 0 1,000 0 0
CUMMINS INC COMMON STOCK 231021106 2,267 14,362 SH   SOLE 0 14,362 0 0
CUMMINS INC COMMON STOCK 231021106 498 3,155 SH   DFND 0 3,155 0 0
XTRACKERS MSCI EUROPE HEDGED EQUITY - ETF ETF/INTERNATIONAL EQUITY 233051853 49 1,716 SH   SOLE 0 1,716 0 0
DTE ENERGY CO COM COMMON STOCK 233331107 18 142 SH   SOLE 0 142 0 0
DXC TECHNOLOGY CO COMMON STOCK 23355L106 2 34 SH   DFND 0 34 0 0
DANAHER CORP COMMON STOCK 235851102 38 290 SH   SOLE 0 290 0 0
DARDEN RESTAURANTS INC COMMON STOCK 237194105 152 1,254 SH   SOLE 0 1,254 0 0
DARDEN RESTAURANTS INC COMMON STOCK 237194105 313 2,580 SH   DFND 0 2,580 0 0
DEERE & COMPANY COMMON STOCK 244199105 25 155 SH   SOLE 0 155 0 0
DELL TECHNOLOGIES INC COMMON STOCK 24703L202 9 146 SH   SOLE 0 146 0 0
DENTSPLY SIRONA INC COMMON STOCK 24906P109 21 414 SH   SOLE 0 414 0 0
DEVON ENERGY CORP COMMON STOCK 25179M103 3 100 SH   SOLE 0 100 0 0
DIAMONDBACK ENERGY, INC. COMMON STOCK 25278X109 26 257 SH   SOLE 0 257 0 0
DIGITAL REALTY TRUST INC COMMON STOCK 253868103 15 130 SH   SOLE 0 130 0 0
WALT DISNEY CO COMMON STOCK 254687106 3,555 32,023 SH   SOLE 0 32,023 0 0
WALT DISNEY CO COMMON STOCK 254687106 458 4,123 SH   DFND 0 4,123 0 0
DISCOVER FINANCIAL SERVICES COMMON STOCK 254709108 11 159 SH   SOLE 0 159 0 0
DOLLAR GENERAL CORP COMMON STOCK 256677105 228 1,907 SH   SOLE 0 1,907 0 0
DOLLAR GENERAL CORP COMMON STOCK 256677105 36 300 SH   DFND 0 300 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109 3,000 39,140 SH   SOLE 0 39,040 0 100
DOMINION ENERGY INC COMMON STOCK 25746U109 1,061 13,842 SH   DFND 0 13,842 0 0
DOVER CORP COMMON STOCK 260003108 6 66 SH   SOLE 0 66 0 0
DOWDUPONT INC COMMON STOCK 26078J100 3,951 74,122 SH   SOLE 0 74,122 0 0
DOWDUPONT INC COMMON STOCK 26078J100 666 12,500 SH   DFND 0 12,500 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204 465 5,171 SH   SOLE 0 5,171 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204 45 501 SH   DFND 0 501 0 0
EOG RESOURCES INC COMMON STOCK 26875P101 317 3,335 SH   SOLE 0 3,335 0 0
EOG RESOURCES INC COMMON STOCK 26875P101 8 80 SH   DFND 0 80 0 0
EATON VANCE TAX MNGD GLBL DIVERSE EQ INC CEF ETF/OTHER 27829F108 3 402 SH   SOLE 0 402 0 0
ECOLAB INC COMMON STOCK 278865100 170 964 SH   SOLE 0 964 0 0
EMERSON ELECTRIC CO COMMON STOCK 291011104 2,508 36,629 SH   SOLE 0 36,629 0 0
EMERSON ELECTRIC CO COMMON STOCK 291011104 339 4,951 SH   DFND 0 4,951 0 0
ENBRIDGE INC FOREIGN EQUITIES 29250N105 9 262 SH   SOLE 0 262 0 0
ENERGY TRANSFER EQUITY LP COMMON STOCK 29273V100 20 1,282 SH   DFND 0 1,282 0 0
ENTERPRISE PRODS PARTNERS LP COMMON STOCK 293792107 123 4,243 SH   SOLE 0 4,243 0 0
ENTERPRISE PRODS PARTNERS LP COMMON STOCK 293792107 8 275 SH   DFND 0 275 0 0
EVOLUTION PETROLEUM CORP COMMON STOCK 30049A107 1 200 SH   SOLE 0 200 0 0
EXELON CORP COMMON STOCK 30161N101 1,974 39,370 SH   SOLE 0 39,370 0 0
EXELON CORP COMMON STOCK 30161N101 427 8,525 SH   DFND 0 8,525 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102 7,045 87,189 SH   SOLE 0 87,089 0 100
EXXON MOBIL CORP COMMON STOCK 30231G102 2,397 29,670 SH   DFND 0 29,670 0 0
FNCB BANCORP INC COMMON STOCK 302578109 221 28,754 SH   SOLE 0 28,754 0 0
FACEBOOK INC CLASS A COMMON STOCK 30303M102 49 295 SH   SOLE 0 295 0 0
FACEBOOK INC CLASS A COMMON STOCK 30303M102 21 125 SH   DFND 0 125 0 0
FASTENAL CO COMMON STOCK 311900104 204 3,176 SH   SOLE 0 3,176 0 0
FASTENAL CO COMMON STOCK 311900104 193 3,000 SH   DFND 0 3,000 0 0
FEDEX CORP COMMON STOCK 31428X106 54 295 SH   SOLE 0 295 0 0
FIDELITY D & D BANCORP COMMON STOCK 31609R100 142 2,395 SH   SOLE 0 2,395 0 0
FIDELITY MSCI HLTH CARE I COMMON STOCK 316092600 96 2,151 SH   SOLE 0 2,151 0 0
FIDELITY NATL INFORMATION SV COMMON STOCK 31620M106 17 150 SH   SOLE 0 150 0 0
FIFTH THIRD BANCORP COMMON STOCK 316773100 17 655 SH   DFND 0 655 0 0
FIRST TRUST NASDAQ TECH DIV ETF/EQUITY 33738R118 527 13,755 SH   SOLE 0 13,655 0 100
FIRST TRUST NASDAQ TECH DIV ETF/EQUITY 33738R118 4 115 SH   DFND 0 115 0 0
FORD MOTOR COMPANY COMMON STOCK 345370860 11 1,250 SH   SOLE 0 1,250 0 0
FORD MOTOR COMPANY COMMON STOCK 345370860 12 1,315 SH   DFND 0 1,315 0 0
FORTUNE BRANDS HOME & SEC COMMON STOCK 34964C106 10 200 SH   SOLE 0 200 0 0
FRANCO NEVADA CORP FOREIGN EQUITIES 351858105 10 132 SH   DFND 0 132 0 0
FRESENIUS MEDICAL CARE AG & CO KGAA FOREIGN EQUITIES 358029106 4 100 SH   DFND 0 100 0 0
FRONTIER COMMUNICATIONS CORPCL B COMMON STOCK 35906A306 0 12 SH   SOLE 0 12 0 0
ARTHUR J GALLAGHER & CO COMMON STOCK 363576109 12 150 SH   DFND 0 150 0 0
GAP INC DEL COMMON STOCK 364760108 71 2,700 SH   SOLE 0 2,700 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 580 3,424 SH   SOLE 0 3,424 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 8 49 SH   DFND 0 49 0 0
GENERAL ELECTRIC CO COMMON STOCK 369604103 712 71,246 SH   SOLE 0 71,246 0 0
GENERAL ELECTRIC CO COMMON STOCK 369604103 161 16,123 SH   DFND 0 16,123 0 0
GENERAL MILLS INC COMMON STOCK 370334104 1,661 32,088 SH   SOLE 0 32,088 0 0
GENERAL MILLS INC COMMON STOCK 370334104 493 9,535 SH   DFND 0 9,535 0 0
GENESIS HEALTHCARE INC COMMON STOCK 37185X106 1 500 SH   SOLE 0 500 0 0
GENUINE PARTS CO COMMON STOCK 372460105 22 196 SH   SOLE 0 196 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 653 10,042 SH   SOLE 0 10,042 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 39 600 SH   DFND 0 600 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 14 75 SH   SOLE 0 75 0 0
HSBC HOLDINGS PLC ADR FOREIGN EQUITIES 404280406 3 80 SH   SOLE 0 80 0 0
HSBC HLDGS PLC ADR A 1/40PF A PREFERRED STOCK 404280604 10 400 SH   SOLE 0 400 0 0
HSBC HLDGS PLC ADR A 1/40PF A PREFERRED STOCK 404280604 52 2,000 SH   DFND 0 2,000 0 0
HALLIBURTON CO COMMON STOCK 406216101 42 1,448 SH   SOLE 0 1,448 0 0
HALLIBURTON CO COMMON STOCK 406216101 205 7,000 SH   DFND 0 7,000 0 0
HARLEY DAVIDSON INC COMMON STOCK 412822108 7 200 SH   SOLE 0 200 0 0
HARRIS CORP DEL COMMON STOCK 413875105 5 30 SH   DFND 0 30 0 0
HASBRO INC COMMON STOCK 418056107 14 165 SH   SOLE 0 165 0 0
HERSHEY CO COMMON STOCK 427866108 149 1,300 SH   SOLE 0 1,300 0 0
HERSHEY CO COMMON STOCK 427866108 115 1,000 SH   DFND 0 1,000 0 0
HOME DEPOT INC COMMON STOCK 437076102 1,473 7,678 SH   SOLE 0 7,678 0 0
HOME DEPOT INC COMMON STOCK 437076102 310 1,616 SH   DFND 0 1,616 0 0
HONEYWELL INTL INC COMMON STOCK 438516106 651 4,095 SH   SOLE 0 4,095 0 0
HONEYWELL INTL INC COMMON STOCK 438516106 24 153 SH   DFND 0 153 0 0
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109 3,015 21,004 SH   SOLE 0 21,004 0 0
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109 537 3,738 SH   DFND 0 3,738 0 0
INFINITY PHARMACEUTICALS INC COMMON STOCK 45665G303 45 24,000 SH   SOLE 0 24,000 0 0
INFUSYSTEMS HOLDINGS INC COMMON STOCK 45685K102 60 12,000 SH   SOLE 0 12,000 0 0
INTEL CORP COMMON STOCK 458140100 6,950 129,415 SH   SOLE 0 129,200 0 215
INTEL CORP COMMON STOCK 458140100 1,425 26,535 SH   DFND 0 26,535 0 0
INTERCONTINENTALEXCHANGE GRP COMMON STOCK 45866F104 11 140 SH   SOLE 0 140 0 0
INTL BUSINESS MACHINES CORP COMMON STOCK 459200101 6,850 48,546 SH   SOLE 0 48,546 0 0
INTL BUSINESS MACHINES CORP COMMON STOCK 459200101 11,087 78,572 SH   DFND 0 78,572 0 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103 13 280 SH   SOLE 0 280 0 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103 6 124 SH   DFND 0 124 0 0
INTERNATIONAL SPEEDWAY CORP CLASS A COMMON STOCK 460335201 113 2,600 SH   SOLE 0 2,600 0 0
INTERPUBLIC GROUP COS INC COMMON STOCK 460690100 5 215 SH   SOLE 0 215 0 0
INVESCO ACTIVELY MANAGD ETF ULTRA SHRT DUR ETF/FIXED INCOME 46090A887 835 16,615 SH   SOLE 0 16,365 0 250
INVESCO ACTIVELY MANAGD ETF ULTRA SHRT DUR ETF/FIXED INCOME 46090A887 12 245 SH   DFND 0 245 0 0
INVESCO QQQ TRUST ETF/EQUITY 46090E103 99 550 SH   SOLE 0 550 0 0
INVESCO EXCHANGE TRADED FD TWATER RES ETF ETF/EQUITY 46137V142 2 50 SH   SOLE 0 50 0 0
INVESCO EXCHANGE TRADED FD TNASDAQ INTERNT ETF/EQUITY 46137V530 20 150 SH   SOLE 0 150 0 0
INVESCO FTSE RAFI US1000 ETF ETF/EQUITY 46137V613 13 115 SH   SOLE 0 115 0 0
INVESCO EXCHNG TRADED FD TR NATL AMT MUNI ETF/EQUITY 46138E537 32 1,250 SH   SOLE 0 1,250 0 0
INVESCO KBW BANK ETF ETF/EQUITY 46138E628 457 9,485 SH   SOLE 0 9,405 0 80
INVESCO KBW BANK ETF ETF/EQUITY 46138E628 2 50 SH   DFND 0 50 0 0
INVESCO VARIABLE RATE PFD ETF/EQUITY 46138G870 2,088 85,000 SH   SOLE 0 85,000 0 0
INVESCO VARIABLE RATE PFD ETF/EQUITY 46138G870 20 800 SH   DFND 0 800 0 0
INVESCO BULLETSHARES 19 HIGHYIELD CORP BOND ETF ETF/FIXED INCOME 46138J403 35 1,475 SH   SOLE 0 1,475 0 0
INVESCO BULLETSHARES HY 2020 ETF/FIXED INCOME 46138J601 22 900 SH   SOLE 0 900 0 0
INVESCO BULLETSHARES 21 CORPBOND ETF ETF/FIXED INCOME 46138J700 14 670 SH   DFND 0 670 0 0
INVESCO BULLETSHS CORP 2023 ETF/FIXED INCOME 46138J866 9 430 SH   SOLE 0 430 0 0
IQVIA HLDGS INC COMMON STOCK 46266C105 14 100 SH   SOLE 0 100 0 0
IRIDIUM COMMUNICATIONS INC COMMON STOCK 46269C102 5 200 SH   DFND 0 200 0 0
ISHARES SILVER TRUST ETF/OTHER 46428Q109 11 750 SH   SOLE 0 750 0 0
ISHARES SILVER TRUST ETF/OTHER 46428Q109 27 1,872 SH   DFND 0 1,872 0 0
ISHARES GOLD TRUST ETF/OTHER 464285105 3,531 285,193 SH   SOLE 0 284,893 0 300
ISHARES GOLD TRUST ETF/OTHER 464285105 4 300 SH   DFND 0 300 0 0
ISHARES MSCI CANADA ETF ETF/INTERNATIONAL EQUITY 464286509 234 8,459 SH   SOLE 0 8,459 0 0
ISHARES MSCI MIN VOL EMERGE MARKETS ETF ETF/INTERNATIONAL EQUITY 464286533 4,140 69,845 SH   SOLE 0 69,720 0 125
ISHARES MSCI MIN VOL EMERGE MARKETS ETF ETF/INTERNATIONAL EQUITY 464286533 6 105 SH   DFND 0 105 0 0
ISHARES CORE S&P TOTAL US STOCK MKT ETF ETF/EQUITY 464287150 8 120 SH   SOLE 0 120 0 0
ISHARES SELECT DIVIDEND ETF ETF/EQUITY 464287168 94 958 SH   SOLE 0 958 0 0
ISHARES TIPS BOND ETF ETF/FIXED INCOME 464287176 479 4,236 SH   SOLE 0 4,236 0 0
ISHARES CORE S&P 500 ETF ETF/EQUITY 464287200 22,982 80,766 SH   SOLE 0 80,766 0 0
ISHARES CORE US AGGREGATE BOND ETF ETF/FIXED INCOME 464287226 11 100 SH   SOLE 0 100 0 0
ISHARES MSCI EMERGING MKTS ETF ETF/INTERNATIONAL EQUITY 464287234 288 6,720 SH   SOLE 0 6,720 0 0
ISHARES IBOXX $ INVMT GRADE CORP BOND ETF ETF/FIXED INCOME 464287242 160 1,346 SH   SOLE 0 1,346 0 0
ISHARES IBOXX $ INVMT GRADE CORP BOND ETF ETF/FIXED INCOME 464287242 61 510 SH   DFND 0 510 0 0
ISHARES S&P 500 GROWTH ETF ETF/EQUITY 464287309 609 3,535 SH   SOLE 0 3,535 0 0
ISHARES S&P 500 GROWTH ETF ETF/EQUITY 464287309 13 75 SH   DFND 0 75 0 0
ISHARES GLOBAL HEALTHCARE ETF ETF/EQUITY 464287325 32 520 SH   SOLE 0 520 0 0
ISHARES S&P 500 VALUE ETF ETF/EQUITY 464287408 592 5,250 SH   SOLE 0 5,250 0 0
ISHARES S&P 500 VALUE ETF ETF/EQUITY 464287408 12 110 SH   DFND 0 110 0 0
ISHARES 1-3 YR TREASURY BONDETF ETF/FIXED INCOME 464287457 10 116 SH   SOLE 0 116 0 0
ISHARES 1-3 YR TREASURY BONDETF ETF/FIXED INCOME 464287457 25 300 SH   DFND 0 300 0 0
ISHARES MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 464287465 1,668 25,719 SH   SOLE 0 25,719 0 0
ISHARES MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 464287465 1,164 17,945 SH   DFND 0 17,945 0 0
ISHARES RUSSELL MIDCAP VALUE ETF/EQUITY 464287473 3,531 40,649 SH   SOLE 0 40,649 0 0
ISHARES RUSSELL MIDCAP VALUE ETF/EQUITY 464287473 198 2,275 SH   DFND 0 2,275 0 0
ISHARES RUSSELL MIDCAP GROW ETF ETF/EQUITY 464287481 44 325 SH   SOLE 0 325 0 0
ISHARES TR RUS MID-CAP ETF ETF/EQUITY 464287499 31 580 SH   SOLE 0 580 0 0
ISHARES CORE S&P MIDCAP ETF ETF/EQUITY 464287507 6,932 36,600 SH   SOLE 0 36,570 0 30
ISHARES CORE S&P MIDCAP ETF ETF/EQUITY 464287507 52 275 SH   DFND 0 275 0 0
ISHARES NASDAQ BIOTECHNOLOGYETF ETF/EQUITY 464287556 55 495 SH   SOLE 0 495 0 0
COHEN & STEERS INDEX REALTY FUND ETF/EQUITY 464287564 35 317 SH   SOLE 0 317 0 0
ISHARES RUSSELL 1000 VALUE ETF ETF/EQUITY 464287598 2,845 23,041 SH   SOLE 0 22,931 0 110
ISHARES RUSSELL 1000 VALUE ETF ETF/EQUITY 464287598 1,628 13,185 SH   DFND 0 13,185 0 0
ISHARES S&P MIDCAP 400 GROWTH ETF ETF/EQUITY 464287606 404 1,845 SH   SOLE 0 1,845 0 0
ISHARES S&P MIDCAP 400 GROWTH ETF ETF/EQUITY 464287606 48 220 SH   DFND 0 220 0 0
ISHARES RUSSELL 1000 GROWTH ETF ETF/EQUITY 464287614 3,881 25,640 SH   SOLE 0 25,545 0 95
ISHARES RUSSELL 1000 GROWTH ETF ETF/EQUITY 464287614 2,374 15,682 SH   DFND 0 15,682 0 0
ISHARES TR RUSL 2000 VALU ETF/EQUITY 464287630 25 209 SH   DFND 0 209 0 0
ISHARES RUSSELL 2000 GROWTH ETF ETF/EQUITY 464287648 28 141 SH   DFND 0 141 0 0
ISHARES RUSSELL 2000 ETF ETF/EQUITY 464287655 489 3,192 SH   SOLE 0 3,192 0 0
ISHARES RUSSELL 2000 ETF ETF/EQUITY 464287655 61 400 SH   DFND 0 400 0 0
ISHARES TR DJ US TELECOMM ETF/EQUITY 464287713 4 150 SH   SOLE 0 150 0 0
ISHARES CORE S&P SMALLCAP ETF ETF/EQUITY 464287804 7,168 92,907 SH   SOLE 0 92,872 0 35
ISHARES CORE S&P SMALLCAP ETF ETF/EQUITY 464287804 2,133 27,643 SH   DFND 0 27,643 0 0
ISHARES MSCI ACWI EX US ETF ETF/INTERNATIONAL EQUITY 464288240 292 6,300 SH   SOLE 0 6,300 0 0
ISHARES MSCI EAFE SMALLCAP ETF ETF/INTERNATIONAL EQUITY 464288273 1 25 SH   SOLE 0 25 0 0
ISHARES JPMORGAN USD EM MKTSBOND ETF ETF/INTERNATIONAL FIXED INCOME 464288281 24 222 SH   SOLE 0 222 0 0
ISHARES NATIONAL MUNI BOND ETF ETF/FIXED INCOME 464288414 208 1,875 SH   SOLE 0 1,875 0 0
ISHARES IBOXX $ HIGH YIELD CORP BOND ETF ETF/FIXED INCOME 464288513 66 759 SH   DFND 0 759 0 0
ISHARES INTERMEDIATE GOVT/ CREDIT BOND ETF ETF/FIXED INCOME 464288612 26 240 SH   SOLE 0 240 0 0
ISHARES INTERMEDIATE CREDIT BOND ETF ETF/FIXED INCOME 464288638 73 1,324 SH   SOLE 0 1,324 0 0
ISHARES INTERMEDIATE CREDIT BOND ETF ETF/FIXED INCOME 464288638 76 1,370 SH   DFND 0 1,370 0 0
ISHARES SHORT TERM CORP BOND ETF/FIXED INCOME 464288646 421 7,974 SH   SOLE 0 7,974 0 0
ISHARES SHORT TERM CORP BOND ETF/FIXED INCOME 464288646 252 4,778 SH   DFND 0 4,778 0 0
ISHARES US PREFERRED STOCK ETF ETF/OTHER 464288687 312 8,539 SH   SOLE 0 8,539 0 0
ISHARES US PREFERRED STOCK ETF ETF/OTHER 464288687 10 270 SH   DFND 0 270 0 0
ISHARES US AEROSPACE & DEFENSE ETF ETF/EQUITY 464288760 12 60 SH   DFND 0 60 0 0
ISHARES FLOATING RATE BOND ETF/FIXED INCOME 46429B655 2,074 40,745 SH   SOLE 0 40,745 0 0
ISHARES CORE HIGH DIVIDEND ETF ETF/EQUITY 46429B663 130 1,390 SH   SOLE 0 1,390 0 0
ISHARES CORE HIGH DIVIDEND ETF ETF/EQUITY 46429B663 31 330 SH   DFND 0 330 0 0
ISHARES EDGE MSCI MIN VOL EAFE ETF ETF/INTERNATIONAL EQUITY 46429B689 8,776 121,894 SH   SOLE 0 121,644 0 250
ISHARES EDGE MSCI MIN VOL EAFE ETF ETF/INTERNATIONAL EQUITY 46429B689 29 409 SH   DFND 0 409 0 0
ISHARES EDGE MSCI MIN VOL USA ETF ETF/EQUITY 46429B697 18,831 320,304 SH   SOLE 0 319,914 0 390
ISHARES EDGE MSCI MIN VOL USA ETF ETF/EQUITY 46429B697 17 285 SH   DFND 0 285 0 0
ISHARES TR BRC 0-5 YR TIP ETF/FIXED INCOME 46429B747 495 4,970 SH   SOLE 0 4,920 0 50
ISHARES TR BRC 0-5 YR TIP ETF/FIXED INCOME 46429B747 15 155 SH   DFND 0 155 0 0
ISHARES CORE MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 46432F842 19,730 324,664 SH   SOLE 0 324,434 0 230
ISHARES CORE MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 46432F842 198 3,259 SH   DFND 0 3,259 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 46434G103 4,955 95,851 SH   SOLE 0 95,726 0 125
ISHARES CORE MSCI EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 46434G103 6 120 SH   DFND 0 120 0 0
ISHARES INC ESG MSCI EM ETF ETF/INTERNATIONAL EQUITY 46434G863 643 18,875 SH   SOLE 0 18,875 0 0
ISHARES INC ESG MSCI EM ETF ETF/INTERNATIONAL EQUITY 46434G863 23 675 SH   DFND 0 675 0 0
ISHARES 0-5 YR INVMT GR CORP ETF/FIXED INCOME 46434V100 43 850 SH   DFND 0 850 0 0
ISHARES EDGE MSCI MIN VOL USSMALLCAP ETF/EQUITY 46435G433 2,458 76,269 SH   SOLE 0 76,184 0 85
ISHARES EDGE MSCI MIN VOL USSMALLCAP ETF/EQUITY 46435G433 2 65 SH   DFND 0 65 0 0
ISHARES TR ESG MSCI EAFE ETF/INTERNATIONAL EQUITY 46435G516 340 5,375 SH   SOLE 0 5,375 0 0
JPMORGAN CHASE & CO COMMON STOCK 46625H100 4,953 48,929 SH   SOLE 0 48,929 0 0
JPMORGAN CHASE & CO COMMON STOCK 46625H100 533 5,261 SH   DFND 0 5,261 0 0
JABIL CIRCUIT INC. COMMON STOCK 466313103 5 200 SH   SOLE 0 200 0 0
JPMORGAN DIVERSIFIED RETURN INTL EQ ETF ETF/INTERNATIONAL EQUITY 46641Q209 5,001 90,458 SH   SOLE 0 90,383 0 75
JPMORGAN DIVERSIFIED RETURN INTL EQ ETF ETF/INTERNATIONAL EQUITY 46641Q209 4 75 SH   DFND 0 75 0 0
JPMORGAN DIVERSIFIED RETURN US EQ ETF ETF/EQUITY 46641Q407 7,304 99,845 SH   SOLE 0 99,745 0 100
JPMORGAN DIVERSIFIED RETURN US EQ ETF ETF/EQUITY 46641Q407 6 85 SH   DFND 0 85 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 8,320 59,520 SH   SOLE 0 59,445 0 75
JOHNSON & JOHNSON COMMON STOCK 478160104 2,349 16,803 SH   DFND 0 16,803 0 0
KEYCORP COMMON STOCK 493267108 130 8,275 SH   SOLE 0 8,275 0 0
KEYCORP COMMON STOCK 493267108 8 500 SH   DFND 0 500 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 177 1,429 SH   SOLE 0 1,429 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 578 4,665 SH   DFND 0 4,665 0 0
KINDER MORGAN INC COMMON STOCK 49456B101 16 824 SH   SOLE 0 824 0 0
KOHLS CORP COMMON STOCK 500255104 12 170 SH   SOLE 0 170 0 0
KONINKLIJKE PHILIPS N.V FOREIGN EQUITIES 500472303 5 130 SH   SOLE 0 130 0 0
KRAFT HEINZ COMPANY COMMON STOCK 500754106 299 9,157 SH   SOLE 0 9,157 0 0
KRAFT HEINZ COMPANY COMMON STOCK 500754106 86 2,644 SH   DFND 0 2,644 0 0
KROGER COMPANY COMMON STOCK 501044101 9 370 SH   SOLE 0 370 0 0
LTC PROPERTIES INC COMMON STOCK 502175102 7 150 SH   DFND 0 150 0 0
ELI LILLY AND COMPANY COMMON STOCK 532457108 271 2,088 SH   SOLE 0 2,088 0 0
ELI LILLY AND COMPANY COMMON STOCK 532457108 236 1,816 SH   DFND 0 1,816 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 150 500 SH   SOLE 0 500 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 122 405 SH   DFND 0 405 0 0
LOEWS CORP COMMON STOCK 540424108 62 1,300 SH   DFND 0 1,300 0 0
LOWES COMPANIES INC COMMON STOCK 548661107 1,641 14,991 SH   SOLE 0 14,991 0 0
LOWES COMPANIES INC COMMON STOCK 548661107 66 604 SH   DFND 0 604 0 0
M & T BANK CORP COMMON STOCK 55261F104 203 1,293 SH   SOLE 0 1,293 0 0
M & T BANK CORP COMMON STOCK 55261F104 1,267 8,068 SH   DFND 0 8,068 0 0
MAGNA INTERNATIONAL INC FOREIGN EQUITIES 559222401 35 720 SH   SOLE 0 720 0 0
MANULIFE FINL CORP FOREIGN EQUITIES 56501R106 254 15,000 SH   SOLE 0 15,000 0 0
MANULIFE FINL CORP FOREIGN EQUITIES 56501R106 5 308 SH   DFND 0 308 0 0
MARATHON OIL CORP COMMON STOCK 565849106 3 200 SH   SOLE 0 200 0 0
MARATHON OIL CORP COMMON STOCK 565849106 2 145 SH   DFND 0 145 0 0
MARATHON PETROLEUM CORP COMMON STOCK 56585A102 21 344 SH   DFND 0 344 0 0
MARRIOTT INTL INC CLASS A COMMON STOCK 571903202 19 153 SH   SOLE 0 153 0 0
MASTERCARD INC CLASS A COMMON STOCK 57636Q104 144 610 SH   SOLE 0 610 0 0
MCDONALDS CORP COMMON STOCK 580135101 2,092 11,015 SH   SOLE 0 11,015 0 0
MCDONALDS CORP COMMON STOCK 580135101 427 2,250 SH   DFND 0 2,250 0 0
MCKESSON CORP COMMON STOCK 58155Q103 31 266 SH   SOLE 0 266 0 0
MCKESSON CORP COMMON STOCK 58155Q103 234 2,000 SH   DFND 0 2,000 0 0
MEDICAL PPTYS TRUST INC COMMON STOCK 58463J304 15 800 SH   DFND 0 800 0 0
MERCK & COMPANY INC COMMON STOCK 58933Y105 6,740 81,041 SH   SOLE 0 81,041 0 0
MERCK & COMPANY INC COMMON STOCK 58933Y105 1,513 18,188 SH   DFND 0 18,188 0 0
METLIFE INC COMMON STOCK 59156R108 14 335 SH   SOLE 0 335 0 0
MICRO FOCUS INTL PLC FOREIGN EQUITIES 594837304 1 54 SH   DFND 0 54 0 0
MICROSOFT CORP COMMON STOCK 594918104 7,489 63,500 SH   SOLE 0 63,500 0 0
MICROSOFT CORP COMMON STOCK 594918104 1,293 10,963 SH   DFND 0 10,963 0 0
MILLER INDUSTRIES INC COMMON STOCK 600551204 33 1,054 SH   SOLE 0 1,054 0 0
MONDELEZ INTL INC CL A COMMON STOCK 609207105 105 2,108 SH   SOLE 0 2,108 0 0
MONDELEZ INTL INC CL A COMMON STOCK 609207105 17 350 SH   DFND 0 350 0 0
MORGAN STANLEY COMMON STOCK 617446448 325 7,704 SH   SOLE 0 7,704 0 0
MOTOROLA SOLUTIONS INC COMMON STOCK 620076307 18 125 SH   SOLE 0 125 0 0
NBT BANCORP INC COMMON STOCK 628778102 563 15,641 SH   SOLE 0 15,641 0 0
NBT BANCORP INC COMMON STOCK 628778102 1,222 33,935 SH   DFND 0 33,935 0 0
NATIONAL FUEL GAS COMPANY COMMON STOCK 636180101 61 1,000 SH   SOLE 0 1,000 0 0
NATIONAL FUEL GAS COMPANY COMMON STOCK 636180101 193 3,166 SH   DFND 0 3,166 0 0
NATIONAL GRID PLC ADR FOREIGN EQUITIES 636274409 3 45 SH   SOLE 0 45 0 0
NATIONAL GRID PLC ADR FOREIGN EQUITIES 636274409 10 185 SH   DFND 0 185 0 0
NATIONAL OILWELL VARCO INC COMMON STOCK 637071101 16 611 SH   SOLE 0 611 0 0
NEW YORK CMNTY BANCORP INC COMMON STOCK 649445103 16 1,400 SH   SOLE 0 1,400 0 0
NEXSTAR MEDIA GROUP CLASS A COMMON STOCK 65336K103 5 50 SH   SOLE 0 50 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 1,862 9,632 SH   SOLE 0 9,632 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 903 4,670 SH   DFND 0 4,670 0 0
NIKE INC CLASS B COMMON STOCK 654106103 1,986 23,589 SH   SOLE 0 23,589 0 0
NIKE INC CLASS B COMMON STOCK 654106103 139 1,651 SH   DFND 0 1,651 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 1,393 7,452 SH   SOLE 0 7,452 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 19 100 SH   DFND 0 100 0 0
NORTHROP GRUMMAN CORP COMMON STOCK 666807102 131 485 SH   SOLE 0 485 0 0
NORTH WEST BANCSHARES INC COMMON STOCK 667340103 19 1,125 SH   SOLE 0 1,125 0 0
NORWOOD FINANCIAL CORP COMMON STOCK 669549107 32 1,050 SH   SOLE 0 1,050 0 0
NOVARTIS AG ADR FOREIGN EQUITIES 66987V109 1,131 11,764 SH   SOLE 0 11,764 0 0
NOVARTIS AG ADR FOREIGN EQUITIES 66987V109 447 4,650 SH   DFND 0 4,650 0 0
NUCOR CORP COMMON STOCK 670346105 2,446 41,934 SH   SOLE 0 41,934 0 0
NUCOR CORP COMMON STOCK 670346105 514 8,817 SH   DFND 0 8,817 0 0
NUVEEN NASDAQ 100 DYNAMIC OVERWRITE FD MUTUAL FUND LARGE CAP EQUITY 670699107 2 100 SH   SOLE 0 100 0 0
NUTRIEN LTD FOREIGN EQUITIES 67077M108 84 1,590 SH   SOLE 0 1,590 0 0
NUTRIEN LTD FOREIGN EQUITIES 67077M108 17 324 SH   DFND 0 324 0 0
OGE ENERGY CORP COMMON STOCK 670837103 86 2,000 SH   SOLE 0 2,000 0 0
OCCIDENTAL PETROLEUM CORP COMMON STOCK 674599105 51 769 SH   SOLE 0 769 0 0
OFFICE DEPOT INC COMMON STOCK 676220106 2 597 SH   DFND 0 597 0 0
OLD REPUBLIC INTL CORP COMMON STOCK 680223104 8 400 SH   DFND 0 400 0 0
OMNICOM GROUP INC COMMON STOCK 681919106 1,638 22,439 SH   SOLE 0 22,439 0 0
OMNICOM GROUP INC COMMON STOCK 681919106 85 1,170 SH   DFND 0 1,170 0 0
OMEGA HEALTHCARE INV INC COMMON STOCK 681936100 23 600 SH   SOLE 0 600 0 0
ONEOK INC COMMON STOCK 682680103 28 394 SH   SOLE 0 394 0 0
ORACLE CORP COMMON STOCK 68389X105 417 7,774 SH   SOLE 0 7,774 0 0
ORACLE CORP COMMON STOCK 68389X105 8 140 SH   DFND 0 140 0 0
ORANGE SA ADR FOREIGN EQUITIES 684060106 16 1,000 SH   DFND 0 1,000 0 0
PNC FINL SVCS GROUP INC COMMON STOCK 693475105 644 5,253 SH   SOLE 0 5,253 0 0
PNC FINL SVCS GROUP INC COMMON STOCK 693475105 7 55 SH   DFND 0 55 0 0
PPG INDUSTRIES INC COMMON STOCK 693506107 328 2,902 SH   SOLE 0 2,902 0 0
PPG INDUSTRIES INC COMMON STOCK 693506107 14 120 SH   DFND 0 120 0 0
PPL CORP COMMON STOCK 69351T106 365 11,498 SH   SOLE 0 11,498 0 0
PALO ALTO NETWORKS INC COMMON STOCK 697435105 29 120 SH   SOLE 0 120 0 0
PARATEK PHARMACEUTICALS INC COMMON STOCK 699374302 3 500 SH   DFND 0 500 0 0
PAYCHEX INC COMMON STOCK 704326107 32 395 SH   DFND 0 395 0 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103 32 310 SH   SOLE 0 310 0 0
PEOPLES FINL SVCS CORP COMMON STOCK 711040105 55 1,218 SH   SOLE 0 1,218 0 0
PEOPLES UNITED FINANCIAL INC COMMON STOCK 712704105 90 5,476 SH   SOLE 0 5,476 0 0
PEPSICO INC COMMON STOCK 713448108 5,540 45,205 SH   SOLE 0 45,205 0 0
PEPSICO INC COMMON STOCK 713448108 1,099 8,964 SH   DFND 0 8,964 0 0
PFIZER INC COMMON STOCK 717081103 4,759 112,067 SH   SOLE 0 112,067 0 0
PFIZER INC COMMON STOCK 717081103 1,370 32,262 SH   DFND 0 32,262 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109 692 7,829 SH   SOLE 0 7,829 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109 76 860 SH   DFND 0 860 0 0
PHILLIPS 66 COMMON STOCK 718546104 408 4,292 SH   SOLE 0 4,292 0 0
PHILLIPS 66 COMMON STOCK 718546104 323 3,395 SH   DFND 0 3,395 0 0
PIMCO ETF TR 1-5 US TIP IDX ETF/FIXED INCOME 72201R205 54 1,042 SH   DFND 0 1,042 0 0
PIMCO 0-5 YEAR HIGH YIELD CORP BOND ETF ETF/FIXED INCOME 72201R783 8 80 SH   SOLE 0 80 0 0
PIMCO ENHANCED SHORT MATURE ACTIVE ETF ETF/FIXED INCOME 72201R833 71 698 SH   SOLE 0 492 0 206
PIMCO ENHANCED SHORT MATURE ACTIVE ETF ETF/FIXED INCOME 72201R833 401 3,944 SH   DFND 0 3,944 0 0
PIMCO DYNAMIC INCOME FD MUTUAL FUNDS MULTISECTOR BOND 72201Y101 36 1,125 SH   SOLE 0 1,125 0 0
PINNACLE WEST CPTLCORP COMMON STOCK 723484101 313 3,275 SH   SOLE 0 3,275 0 0
POLARIS INDUSTRIES INC COMMON STOCK 731068102 8 100 SH   SOLE 0 100 0 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108 17 170 SH   SOLE 0 170 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 6,033 57,978 SH   SOLE 0 57,883 0 95
PROCTER & GAMBLE CO COMMON STOCK 742718109 912 8,762 SH   DFND 0 8,762 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102 447 4,863 SH   SOLE 0 4,863 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102 6 61 SH   DFND 0 61 0 0
PRUDENTIAL PLC ADR FOREIGN EQUITIES 74435K204 5 135 SH   SOLE 0 135 0 0
PUBLIC SVC ENTERPRISE GROUP COMMON STOCK 744573106 4,195 70,628 SH   SOLE 0 70,628 0 0
PUBLIC SVC ENTERPRISE GROUP COMMON STOCK 744573106 1,230 20,709 SH   DFND 0 20,709 0 0
QUALCOMM INC COMMON STOCK 747525103 387 6,781 SH   SOLE 0 6,781 0 0
QUALCOMM INC COMMON STOCK 747525103 98 1,710 SH   DFND 0 1,710 0 0
QUEST DIAGNOSTICS INC COMMON STOCK 74834L100 9 105 SH   DFND 0 105 0 0
RLJ LODGING TRUST COMMON STOCK 74965L101 8 470 SH   SOLE 0 470 0 0
RAYTHEON CO COMMON STOCK 755111507 142 780 SH   SOLE 0 780 0 0
RAYTHEON CO COMMON STOCK 755111507 76 415 SH   DFND 0 415 0 0
REALTY INCOME CORP COMMON STOCK 756109104 70 956 SH   SOLE 0 956 0 0
RESIDEO TECHNOLOGIES INC COMMON STOCK 76118Y104 0 13 SH   SOLE 0 13 0 0
RIO TINTO PLC ADR FOREIGN EQUITIES 767204100 276 4,698 SH   SOLE 0 4,698 0 0
RIO TINTO PLC ADR FOREIGN EQUITIES 767204100 9 150 SH   DFND 0 150 0 0
ROCKWELL AUTOMATION INC COMMON STOCK 773903109 129 737 SH   SOLE 0 737 0 0
ROCKWELL AUTOMATION INC COMMON STOCK 773903109 31 175 SH   DFND 0 175 0 0
ROGERS COMMUNICATIONS CL B FOREIGN EQUITIES 775109200 15 280 SH   SOLE 0 280 0 0
ROSS STORES INC COMMON STOCK 778296103 18 190 SH   SOLE 0 190 0 0
ROYAL BANK OF CANADA FOREIGN EQUITIES 780087102 341 4,515 SH   SOLE 0 4,515 0 0
ROYAL BANK OF CANADA FOREIGN EQUITIES 780087102 94 1,250 SH   DFND 0 1,250 0 0
ROYAL DUTCH SHELL PLC CL B FOREIGN EQUITIES 780259107 9 140 SH   SOLE 0 140 0 0
ROYAL DUTCH SHELL PLC CL A FOREIGN EQUITIES 780259206 442 7,057 SH   SOLE 0 7,057 0 0
ROYAL DUTCH SHELL PLC CL A FOREIGN EQUITIES 780259206 6 100 SH   DFND 0 100 0 0
ROYAL GOLD INC COMMON STOCK 780287108 6 63 SH   DFND 0 63 0 0
SPDR S&P 500 ETF ETF/EQUITY 78462F103 6,003 21,252 SH   SOLE 0 21,252 0 0
SPDR S&P 500 ETF ETF/EQUITY 78462F103 780 2,761 SH   DFND 0 2,761 0 0
SPDR GOLD SHARES ETF/OTHER 78463V107 159 1,302 SH   SOLE 0 1,302 0 0
SPDR GOLD SHARES ETF/OTHER 78463V107 526 4,310 SH   DFND 0 4,310 0 0
SPDR INDEX SHS FDS GLB NAT RESRCE COMMON STOCK 78463X541 2 45 SH   SOLE 0 45 0 0
SPDR DJ GLOBAL REAL ESTATE ETF/EQUITY 78463X749 3 60 SH   SOLE 0 60 0 0
SPDR S&P INTL DIVIDEND ETF ETF/INTERNATIONAL EQUITY 78463X772 3 75 SH   SOLE 0 75 0 0
SPDR S&P GLOBAL INFRASTRUCTURE ETF ETF/INTERNATIONAL EQUITY 78463X855 3 50 SH   SOLE 0 50 0 0
SPDR INTERM CORP BOND ETF ETF/FIXED INCOME 78464A375 22 650 SH   DFND 0 650 0 0
SPDR PORTFOLIO S&P500 GROWTH ETF/EQUITY 78464A409 1,237 33,245 SH   SOLE 0 33,245 0 0
SPDR BBB HIGH YIELD BOND ETF ETF/FIXED INCOME 78464A417 45 1,255 SH   SOLE 0 1,255 0 0
SPDR PORTFOLIO S&P 500 VALUE ETF/EQUITY 78464A508 1,194 39,455 SH   SOLE 0 39,455 0 0
SPDR SERIES TRUST BLMBRG BRC INTRM ETF/FIXED INCOME 78464A672 411 6,800 SH   SOLE 0 6,800 0 0
SPDR SERIES TRUST KBW REGN BK ETF ETF/EQUITY 78464A698 12 225 SH   SOLE 0 225 0 0
SPDR S&P DIVIDEND ETF ETF/EQUITY 78464A763 19 190 SH   SOLE 0 190 0 0
SPDR BLACKSTONE/GSO SENIOR LOAN ETF ETF/FIXED INCOME 78467V608 1,033 22,441 SH   SOLE 0 22,253 0 188
SPDR BLACKSTONE/GSO SENIOR LOAN ETF ETF/FIXED INCOME 78467V608 34 735 SH   DFND 0 735 0 0
SPDR DOUBLELINE TOTAL RETURNTACT ETF ETF/FIXED INCOME 78467V848 5,209 107,750 SH   SOLE 0 107,750 0 0
SPDR DOUBLELINE TOTAL RETURNTACT ETF ETF/FIXED INCOME 78467V848 39 800 SH   DFND 0 800 0 0
SPDR S&P MIDCAP 400 ETF ETF/EQUITY 78467Y107 5,079 14,705 SH   SOLE 0 14,705 0 0
SPDR S&P MIDCAP 400 ETF ETF/EQUITY 78467Y107 2,099 6,076 SH   DFND 0 6,076 0 0
SPDR BB INV GRADE FLT RATE ETF/OTHER 78468R200 768 25,010 SH   SOLE 0 24,910 0 100
SPDR BB INV GRADE FLT RATE ETF/OTHER 78468R200 10 310 SH   DFND 0 310 0 0
SPDR 1-3 MO TBILL ETF ETF/FIXED INCOME 78468R663 1,201 13,115 SH   SOLE 0 13,015 0 100
SPDR 1-3 MO TBILL ETF ETF/FIXED INCOME 78468R663 26 280 SH   DFND 0 280 0 0
SPDR NUVEEN BBB MUNI BOND ETF ETF/FIXED INCOME 78468R721 31 625 SH   SOLE 0 625 0 0
SPDR DOUBLELINE SHRT DUR ETF/FIXED INCOME 78470P200 30 600 SH   SOLE 0 600 0 0
SABRA HEALTH CARE REIT INC COMMON STOCK 78573L106 1 55 SH   SOLE 0 55 0 0
SABRA HEALTH CARE REIT INC COMMON STOCK 78573L106 6 300 SH   DFND 0 300 0 0
SABRE CORP COMMON STOCK 78573M104 6 260 SH   SOLE 0 260 0 0
SALESFORCE.COM INC COMMON STOCK 79466L302 16 100 SH   SOLE 0 100 0 0
SALESFORCE.COM INC COMMON STOCK 79466L302 11 70 SH   DFND 0 70 0 0
SCHLUMBERGER LTD FOREIGN EQUITIES 806857108 821 18,838 SH   SOLE 0 18,838 0 0
SCHLUMBERGER LTD FOREIGN EQUITIES 806857108 19 431 SH   DFND 0 431 0 0
SCHWAB US SMALL CAP ETF ETF/EQUITY 808524607 2,023 28,930 SH   SOLE 0 28,930 0 0
SCHWAB US SMALL CAP ETF ETF/EQUITY 808524607 137 1,957 SH   DFND 0 1,957 0 0
MATERIALS SELECT SECTOR SPDRETF ETF/EQUITY 81369Y100 2 45 SH   SOLE 0 45 0 0
MATERIALS SELECT SECTOR SPDRETF ETF/EQUITY 81369Y100 540 9,725 SH   DFND 0 9,725 0 0
HEALTH CARE SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y209 62 675 SH   SOLE 0 675 0 0
CONSUMER STAPLES SECTOR SPDR ETF/EQUITY 81369Y308 34 600 SH   SOLE 0 600 0 0
CONSUMER DISCRET SEL SECT SPDR ETF ETF/EQUITY 81369Y407 49 433 SH   SOLE 0 433 0 0
ENERGY SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y506 289 4,365 SH   SOLE 0 4,365 0 0
ENERGY SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y506 20 300 SH   DFND 0 300 0 0
SELECT SECTOR SPDR TR SBI INT-FINL ETF/EQUITY 81369Y605 15 600 SH   SOLE 0 600 0 0
TECHNOLOGY SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y803 102 1,375 SH   SOLE 0 1,375 0 0
TECHNOLOGY SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y803 506 6,844 SH   DFND 0 6,844 0 0
REAL ESTATE SELECT SECTOR SPDR ETF/OTHER 81369Y860 3 83 SH   SOLE 0 83 0 0
UTILITIES SELECT SECTOR SPDRETF ETF/EQUITY 81369Y886 101 1,737 SH   SOLE 0 1,737 0 0
SEMPRA ENERGY COMMON STOCK 816851109 507 4,030 SH   SOLE 0 4,030 0 0
SEMPRA ENERGY COMMON STOCK 816851109 138 1,100 SH   DFND 0 1,100 0 0
SIMON PROPERTY GROUP INC COMMON STOCK 828806109 30 167 SH   SOLE 0 167 0 0
SMITH & NEPHEW PLC ADR FOREIGN EQUITIES 83175M205 7 176 SH   SOLE 0 176 0 0
SONOCO PRODUCTS CO COMMON STOCK 835495102 31 500 SH   SOLE 0 500 0 0
SONY CORP ADR FOREIGN EQUITIES 835699307 5 120 SH   SOLE 0 120 0 0
SOUTHERN COMPANY COMMON STOCK 842587107 419 8,117 SH   SOLE 0 8,117 0 0
SOUTHERN COMPANY COMMON STOCK 842587107 56 1,075 SH   DFND 0 1,075 0 0
SOUTHERN COPPER CORP COMMON STOCK 84265V105 12 303 SH   DFND 0 303 0 0
STANLEY BLACK & DECKER INC COMMON STOCK 854502101 68 500 SH   SOLE 0 500 0 0
STANLEY BLACK & DECKER INC COMMON STOCK 854502101 272 2,000 SH   DFND 0 2,000 0 0
STARBUCKS CORP COMMON STOCK 855244109 473 6,363 SH   SOLE 0 6,363 0 0
STARBUCKS CORP COMMON STOCK 855244109 31 420 SH   DFND 0 420 0 0
STATE STREET CORP COMMON STOCK 857477103 157 2,381 SH   SOLE 0 2,381 0 0
STATE STREET CORP COMMON STOCK 857477103 53 800 SH   DFND 0 800 0 0
STERICYCLE INC COMMON STOCK 858912108 5 90 SH   SOLE 0 90 0 0
STRYKER CORP COMMON STOCK 863667101 1,316 6,661 SH   SOLE 0 6,661 0 0
STRYKER CORP COMMON STOCK 863667101 14 73 SH   DFND 0 73 0 0
SUBURBAN PROPANE PARTNERS LP COMMON STOCK 864482104 0 10 SH   DFND 0 10 0 0
SUN COMMUNITIES INC COMMON STOCK 866674104 36 301 SH   SOLE 0 301 0 0
SUNCOKE ENERGY INC COMMON STOCK 86722A103 2 218 SH   DFND 0 218 0 0
SUNCOR ENERGY INC FOREIGN EQUITIES 867224107 2 55 SH   SOLE 0 55 0 0
SUNCOR ENERGY INC FOREIGN EQUITIES 867224107 81 2,500 SH   DFND 0 2,500 0 0
SUNTRUST BANKS INC COMMON STOCK 867914103 41 700 SH   SOLE 0 700 0 0
SYSCO CORP COMMON STOCK 871829107 1,385 20,750 SH   SOLE 0 20,750 0 0
SYSCO CORP COMMON STOCK 871829107 704 10,550 SH   DFND 0 10,550 0 0
TJX COMPANIES COMMON STOCK 872540109 129 2,424 SH   SOLE 0 2,424 0 0
TJX COMPANIES COMMON STOCK 872540109 9 170 SH   DFND 0 170 0 0
TAKEDA PHARMACEUTICAL CO LTDSPONSORED ADS FOREIGN EQUITIES 874060205 2 110 SH   SOLE 0 110 0 0
TARGET CORP COMMON STOCK 87612E106 375 4,670 SH   SOLE 0 4,670 0 0
TARGET CORP COMMON STOCK 87612E106 25 317 SH   DFND 0 317 0 0
TELEDYNE TECHNOLOGIES INC COMMON STOCK 879360105 44 187 SH   DFND 0 187 0 0
TENARIS SA ADR FOREIGN EQUITIES 88031M109 28 1,000 SH   SOLE 0 1,000 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 2,087 19,678 SH   SOLE 0 19,678 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 299 2,815 SH   DFND 0 2,815 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 252 919 SH   SOLE 0 919 0 0
3M COMPANY COMMON STOCK 88579Y101 4,274 20,572 SH   SOLE 0 20,572 0 0
3M COMPANY COMMON STOCK 88579Y101 597 2,871 SH   DFND 0 2,871 0 0
TOMPKINS FINANCIAL CORP COMMON STOCK 890110109 301 3,952 SH   SOLE 0 3,952 0 0
TORONTO DOMINION BANK FOREIGN EQUITIES 891160509 689 12,684 SH   SOLE 0 12,684 0 0
TORONTO DOMINION BANK FOREIGN EQUITIES 891160509 50 925 SH   DFND 0 925 0 0
TOTAL SA ADR FOREIGN EQUITIES 89151E109 153 2,756 SH   SOLE 0 2,756 0 0
TOYOTA MOTOR CORP FOREIGN EQUITIES 892331307 25 215 SH   SOLE 0 215 0 0
TRANSCANADA CORP FOREIGN EQUITIES 89353D107 146 3,245 SH   SOLE 0 3,245 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109 575 4,190 SH   SOLE 0 4,190 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109 29 210 SH   DFND 0 210 0 0
TRUSTCO BANK CORP NY COMMON STOCK 898349105 7 842 SH   DFND 0 842 0 0
TWITTER INC COMMON STOCK 90184L102 1 22 SH   DFND 0 22 0 0
US BANCORP COMMON STOCK 902973304 2,425 50,333 SH   SOLE 0 50,333 0 0
US BANCORP COMMON STOCK 902973304 211 4,380 SH   DFND 0 4,380 0 0
UNION PACIFIC CORP COMMON STOCK 907818108 579 3,464 SH   SOLE 0 3,464 0 0
UNION PACIFIC CORP COMMON STOCK 907818108 184 1,100 SH   DFND 0 1,100 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 1,643 14,706 SH   SOLE 0 14,706 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 159 1,423 SH   DFND 0 1,423 0 0
UNITED STATES STEEL CORP COMMON STOCK 912909108 1 35 SH   DFND 0 35 0 0
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 3,409 26,453 SH   SOLE 0 26,453 0 0
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 581 4,509 SH   DFND 0 4,509 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 1,809 7,317 SH   SOLE 0 7,317 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 38 155 SH   DFND 0 155 0 0
UNITI GROUP INC COMMON STOCK 91325V108 2 200 SH   DFND 0 200 0 0
VF CORP COMMON STOCK 918204108 1,256 14,451 SH   SOLE 0 14,451 0 0
VF CORP COMMON STOCK 918204108 51 592 SH   DFND 0 592 0 0
VALERO ENERGY CORP COMMON STOCK 91913Y100 34 400 SH   SOLE 0 400 0 0
VALLEY NATL BANCORP COMMON STOCK 919794107 164 17,171 SH   SOLE 0 17,171 0 0
VANECK VECTORS GOLD MINERS ETF ETF/INTERNATIONAL EQUITY 92189F106 448 20,000 SH   DFND 0 20,000 0 0
VANECK VECTORS AGRIBUSINESS ETF ETF/EQUITY 92189F700 31 500 SH   SOLE 0 500 0 0
VANECK VECTORS HIGH YLD MUNI ETF/FIXED INCOME 92189H409 47 750 SH   SOLE 0 750 0 0
VANGUARD DIVIDEND APPRECIATION ETF ETF/EQUITY 921908844 868 7,917 SH   SOLE 0 7,917 0 0
VANGUARD DIVIDEND APPRECIATION ETF ETF/EQUITY 921908844 760 6,928 SH   DFND 0 6,928 0 0
VANGUARD TOTAL INTL STOCK ETF ETF/INTERNATIONAL EQUITY 921909768 140 2,690 SH   SOLE 0 2,690 0 0
VANGUARD MEGA CAP GROWTH ETF ETF/EQUITY 921910816 11 85 SH   SOLE 0 85 0 0
VANGUARD INTERM-TERM BOND ETF ETF/FIXED INCOME 921937819 139 1,660 SH   SOLE 0 1,660 0 0
VANGUARD SHORT TERM BOND ETF ETF/FIXED INCOME 921937827 1,160 14,572 SH   SOLE 0 14,077 0 495
VANGUARD SHORT TERM BOND ETF ETF/FIXED INCOME 921937827 175 2,197 SH   DFND 0 2,197 0 0
VANGUARD TOTAL BOND MRKT ETF ETF/FIXED INCOME 921937835 908 11,185 SH   SOLE 0 11,185 0 0
VANGUARD TOTAL BOND MRKT ETF ETF/FIXED INCOME 921937835 132 1,624 SH   DFND 0 1,624 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF/INTERNATIONAL EQUITY 921943858 131 3,195 SH   SOLE 0 3,195 0 0
VANGUARD FINANCIALS ETF ETF/EQUITY 92204A405 731 11,325 SH   SOLE 0 11,325 0 0
VANGUARD FINANCIALS ETF ETF/EQUITY 92204A405 184 2,850 SH   DFND 0 2,850 0 0
VANGUARD HEALTH CARE ETF ETF/EQUITY 92204A504 14 81 SH   SOLE 0 81 0 0
VANGUARD HEALTH CARE ETF ETF/EQUITY 92204A504 111 642 SH   DFND 0 642 0 0
VANGUARD INDUSTRIALS ETF ETF/EQUITY 92204A603 616 4,400 SH   DFND 0 4,400 0 0
VANGUARD INFORMATION TECHNOLOGY ETF ETF/EQUITY 92204A702 659 3,286 SH   SOLE 0 3,286 0 0
VANGUARD INFORMATION TECHNOLOGY ETF ETF/EQUITY 92204A702 237 1,181 SH   DFND 0 1,181 0 0
VANGUARD UTILITIES ETF ETF/EQUITY 92204A876 163 1,260 SH   SOLE 0 1,260 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 922042858 1,439 33,861 SH   SOLE 0 33,861 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 922042858 160 3,758 SH   DFND 0 3,758 0 0
VANGUARD INTL EQUITY INDEX FMSCI EUROPE ETF ETF/INTERNATIONAL EQUITY 922042874 523 9,750 SH   SOLE 0 9,750 0 0
VANGUARD INTL EQUITY INDEX FMSCI EUROPE ETF ETF/INTERNATIONAL EQUITY 922042874 5 84 SH   DFND 0 84 0 0
VANGUARD SHORT TERM CORP BOND ETF ETF/FIXED INCOME 92206C409 2,385 29,897 SH   SOLE 0 29,897 0 0
VANGUARD SHORT TERM CORP BOND ETF ETF/FIXED INCOME 92206C409 573 7,185 SH   DFND 0 7,185 0 0
VANGUARD INTERM-TERM GOVT BDETF ETF/FIXED INCOME 92206C706 2,027 31,442 SH   SOLE 0 31,042 0 400
VANGUARD INTERM-TERM GOVT BDETF ETF/FIXED INCOME 92206C706 48 740 SH   DFND 0 740 0 0
VARIAN MEDICAL SYSTEMS INC COMMON STOCK 92220P105 24 166 SH   SOLE 0 166 0 0
VENTAS INC COMMON STOCK 92276F100 12 195 SH   SOLE 0 195 0 0
VANGUARD S&P 500 ETF ETF/EQUITY 922908363 493 1,899 SH   SOLE 0 1,899 0 0
VANGUARD S&P 500 ETF ETF/EQUITY 922908363 6 22 SH   DFND 0 22 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP ETF/EQUITY 922908512 38 354 SH   DFND 0 354 0 0
VANGUARD MIDCAP GROWTH ETF ETF/EQUITY 922908538 43 300 SH   SOLE 0 300 0 0
VANGUARD MIDCAP GROWTH ETF ETF/EQUITY 922908538 44 309 SH   DFND 0 309 0 0
VANGUARD REIT ETF ETF/EQUITY 922908553 128 1,474 SH   SOLE 0 1,474 0 0
VANGUARD SMALLCAP GROWTH ETF ETF/EQUITY 922908595 16 88 SH   SOLE 0 88 0 0
VANGUARD SMALLCAP VALUE ETF ETF/EQUITY 922908611 162 1,255 SH   SOLE 0 1,255 0 0
VANGUARD MIDCAP ETF ETF/EQUITY 922908629 180 1,118 SH   SOLE 0 1,118 0 0
VANGUARD GROWTH IDX FUND ETF/EQUITY 92290873H 114 729 SH   DFND 0 729 0 0
VANGUARD SMALLCAP ETF ETF/EQUITY 922908751 187 1,225 SH   SOLE 0 1,225 0 0
VANGUARD SMALLCAP ETF ETF/EQUITY 922908751 120 787 SH   DFND 0 787 0 0
VANGUARD TOTAL STOCK MARKET ETF ETF/EQUITY 922908769 9,374 64,776 SH   DFND 0 64,776 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 6,877 116,307 SH   SOLE 0 116,307 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 1,809 30,591 SH   DFND 0 30,591 0 0
VISA INC CLASS A COMMON STOCK 92826C839 1,031 6,598 SH   SOLE 0 6,598 0 0
VISA INC CLASS A COMMON STOCK 92826C839 39 249 SH   DFND 0 249 0 0
WP CAREY INC COMMON STOCK 92936U109 8 108 SH   SOLE 0 108 0 0
WEC ENERGY GROUP INC COMMON STOCK 92939U106 217 2,744 SH   SOLE 0 2,744 0 0
WABTEC CORP COMMON STOCK 929740108 3 36 SH   SOLE 0 36 0 0
WABTEC CORP COMMON STOCK 929740108 3 46 SH   DFND 0 46 0 0
WAL MART STORES INC COMMON STOCK 931142103 3,090 31,679 SH   SOLE 0 31,679 0 0
WAL MART STORES INC COMMON STOCK 931142103 713 7,308 SH   DFND 0 7,308 0 0
WALGREENS BOOTS ALLIANCE INC COMMON STOCK 931427108 333 5,268 SH   SOLE 0 5,268 0 0
WALGREENS BOOTS ALLIANCE INC COMMON STOCK 931427108 21 335 SH   DFND 0 335 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109 49 470 SH   SOLE 0 470 0 0
WELLS FARGO & CO COMMON STOCK 949746101 1,355 28,044 SH   SOLE 0 27,914 0 130
WELLS FARGO & CO COMMON STOCK 949746101 131 2,717 SH   DFND 0 2,717 0 0
WEYERHAEUSER CO COMMON STOCK 962166104 42 1,600 SH   SOLE 0 1,600 0 0
WHEATON PRECIOUS METALS CORP FOREIGN EQUITIES 962879102 5 200 SH   SOLE 0 200 0 0
WHEATON PRECIOUS METALS CORP FOREIGN EQUITIES 962879102 1 50 SH   DFND 0 50 0 0
WILLIAMS COMPANIES INC COMMON STOCK 969457100 4 130 SH   SOLE 0 130 0 0
WISDOMTREE US HIGH DIVIDEND ETF ETF/EQUITY 97717W208 1,601 22,095 SH   SOLE 0 22,095 0 0
WISDOMTREE US HIGH DIVIDEND ETF ETF/EQUITY 97717W208 49 670 SH   DFND 0 670 0 0
WISDOMTREE LARGECAP DIVIDEND ETF ETF/EQUITY 97717W307 79 835 SH   SOLE 0 835 0 0
WISDOMTREE FLOATING RATE TSY ETF/FIXED INCOME 97717X628 51 2,040 SH   SOLE 0 2,040 0 0
WISDOMTREE EUROPE HEDGED EQUITY ETF ETF/INTERNATIONAL EQUITY 97717X701 17 259 SH   SOLE 0 259 0 0
XCEL ENERGY INC COMMON STOCK 98389B100 4 75 SH   SOLE 0 75 0 0
XYLEM INC COMMON STOCK 98419M100 51 650 SH   SOLE 0 650 0 0