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 37 331 SH   SOLE 0 331 0 0
ALLERGAN PLC FOREIGN EQUITIES G0177J108 12 73 SH   SOLE 0 73 0 0
AMCOR PLC FOREIGN EQUITIES G0250X107 433 37,689 SH   SOLE 0 37,689 0 0
AMCOR PLC FOREIGN EQUITIES G0250X107 223 19,380 SH   DFND 0 19,380 0 0
ACCENTURE PLC CL A FOREIGN EQUITIES G1151C101 23 125 SH   SOLE 0 125 0 0
BROOKFIELD BUSINESS PARTNERSUNIT LTD LP FOREIGN EQUITIES 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 25 300 SH   SOLE 0 300 0 0
EATON CORP PLC FOREIGN EQUITIES G29183103 39 473 SH   DFND 0 473 0 0
IHS MARKIT LTD. FOREIGN EQUITIES G47567105 7 107 SH   SOLE 0 107 0 0
INGERSOLL-RAND PLC FOREIGN EQUITIES G47791101 157 1,242 SH   SOLE 0 1,242 0 0
LINDE PLC FOREIGN EQUITIES G5494J103 49 243 SH   SOLE 0 243 0 0
MALLINCKRODT PLC FOREIGN EQUITIES G5785G107 0 47 SH   SOLE 0 47 0 0
MEDTRONIC PLC FOREIGN EQUITIES G5960L103 755 7,754 SH   SOLE 0 7,754 0 0
MEDTRONIC PLC FOREIGN EQUITIES G5960L103 43 440 SH   DFND 0 440 0 0
ALCON INC FOREIGN EQUITIES H01301128 2 40 SH   SOLE 0 40 0 0
CHUBB LTD FOREIGN EQUITIES H1467J104 1,408 9,562 SH   SOLE 0 9,562 0 0
CHUBB LTD FOREIGN EQUITIES H1467J104 145 982 SH   DFND 0 982 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 6,662 198,871 SH   SOLE 0 198,521 0 350
AT&T INC COMMON STOCK 00206R102 1,451 43,319 SH   DFND 0 43,319 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100 3,056 36,335 SH   SOLE 0 36,335 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100 355 4,225 SH   DFND 0 4,225 0 0
ABBVIE INC COMMON STOCK 00287Y109 4,041 55,575 SH   SOLE 0 55,442 0 133
ABBVIE INC COMMON STOCK 00287Y109 479 6,590 SH   DFND 0 6,590 0 0
ADOBE INC COMMON STOCK 00724F101 59 200 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 471 2,080 SH   SOLE 0 2,080 0 0
ALBEMARLE CORP COMMON STOCK 012653101 141 2,000 SH   DFND 0 2,000 0 0
ALCOA CORP COMMON STOCK 013872106 10 444 SH   DFND 0 444 0 0
ALLSTATE CORP COMMON STOCK 020002101 10 100 SH   SOLE 0 100 0 0
ALLSTATE CORP COMMON STOCK 020002101 47 460 SH   DFND 0 460 0 0
ALPHABET INC CLASS C COMMON STOCK 02079K107 120 111 SH   SOLE 0 111 0 0
ALPHABET INC CLASS C COMMON STOCK 02079K107 5 5 SH   DFND 0 5 0 0
ALPHABET INC CLASS A COMMON STOCK 02079K305 689 636 SH   SOLE 0 636 0 0
ALPHABET INC CLASS A COMMON STOCK 02079K305 11 10 SH   DFND 0 10 0 0
ALTABA INC COMMON STOCK 021346101 14 200 SH   DFND 0 200 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 738 15,586 SH   SOLE 0 15,586 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 55 1,164 SH   DFND 0 1,164 0 0
AMAZON.COM INC COMMON STOCK 023135106 191 101 SH   SOLE 0 101 0 0
AMAZON.COM INC COMMON STOCK 023135106 27 14 SH   DFND 0 14 0 0
AMEREN CORP COMMON STOCK 023608102 188 2,498 SH   SOLE 0 2,498 0 0
AMERICAN ELECTRIC POWER CO COMMON STOCK 025537101 354 4,019 SH   SOLE 0 4,019 0 0
AMERICAN ELECTRIC POWER CO COMMON STOCK 025537101 283 3,219 SH   DFND 0 3,219 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 982 7,954 SH   SOLE 0 7,954 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 56 450 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
AMERIPRISE FINANCIAL INC COMMON STOCK 03076C106 8 55 SH   SOLE 0 55 0 0
AMGEN INC COMMON STOCK 031162100 1,270 6,894 SH   SOLE 0 6,894 0 0
AMGEN INC COMMON STOCK 031162100 428 2,325 SH   DFND 0 2,325 0 0
ANALOG DEVICES INC COMMON STOCK 032654105 13 116 SH   SOLE 0 116 0 0
ANTHEM INC COMMON STOCK 036752103 600 2,125 SH   SOLE 0 2,125 0 0
APACHE CORP COMMON STOCK 037411105 24 815 SH   SOLE 0 815 0 0
APERGY CORP COMMON STOCK 03755L104 1 33 SH   SOLE 0 33 0 0
APPLE INC COMMON STOCK 037833100 19,652 99,291 SH   SOLE 0 99,291 0 0
APPLE INC COMMON STOCK 037833100 524 2,649 SH   DFND 0 2,649 0 0
APPLIED DNA SCIENCES INC COMMON STOCK 03815U201 0 25 SH   SOLE 0 25 0 0
APPLIED MATERIALS INC COMMON STOCK 038222105 18 400 SH   SOLE 0 400 0 0
APPLIED MATERIALS INC COMMON STOCK 038222105 10 225 SH   DFND 0 225 0 0
AQUA AMERICA INC COMMON STOCK 03836W103 301 7,280 SH   SOLE 0 7,280 0 0
AQUA AMERICA INC COMMON STOCK 03836W103 42 1,025 SH   DFND 0 1,025 0 0
ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102 4 110 SH   SOLE 0 110 0 0
ARCONIC INC COMMON STOCK 03965L100 34 1,333 SH   DFND 0 1,333 0 0
ARROW FINANCIAL CORP COMMON STOCK 042744102 222 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 2,472 14,951 SH   SOLE 0 14,951 0 0
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 713 4,312 SH   DFND 0 4,312 0 0
AVALONBAY COMMUNITIES INC COMMON STOCK 053484101 20 100 SH   SOLE 0 100 0 0
BB&T CORP COMMON STOCK 054937107 626 12,735 SH   SOLE 0 12,735 0 0
BB&T CORP COMMON STOCK 054937107 78 1,595 SH   DFND 0 1,595 0 0
BCE INC FOREIGN EQUITIES 05534B760 614 13,500 SH   SOLE 0 13,500 0 0
BP PLC ADR FOREIGN EQUITIES 055622104 94 2,260 SH   DFND 0 2,260 0 0
BANK OF AMERICA CORPORATION COMMON STOCK 060505104 158 5,444 SH   SOLE 0 5,444 0 0
BANK OF AMERICA CORPORATION COMMON STOCK 060505104 138 4,754 SH   DFND 0 4,754 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 169 3,830 SH   SOLE 0 3,830 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 16 353 SH   DFND 0 353 0 0
BANK OF NOVA SCOTIA FOREIGN EQUITIES 064149107 978 18,000 SH   SOLE 0 18,000 0 0
BARRICK GOLD CORP FOREIGN EQUITIES 067901108 3 200 SH   SOLE 0 200 0 0
BAXTER INTERNATIONAL INC COMMON STOCK 071813109 215 2,630 SH   SOLE 0 2,630 0 0
BAXTER INTERNATIONAL INC COMMON STOCK 071813109 12 150 SH   DFND 0 150 0 0
BECTON DICKINSON & CO COMMON STOCK 075887109 894 3,546 SH   SOLE 0 3,546 0 0
BECTON DICKINSON & CO COMMON STOCK 075887109 252 1,000 SH   DFND 0 1,000 0 0
BERKSHIRE HATHAWAY INC B COMMON STOCK 084670702 1,279 6,002 SH   SOLE 0 6,002 0 0
BERKSHIRE HATHAWAY INC B COMMON STOCK 084670702 101 475 SH   DFND 0 475 0 0
BERKSHIRE HILLS BANCORP INC COMMON STOCK 084680107 8 264 SH   DFND 0 264 0 0
BHP GROUP LTD ADR FOREIGN EQUITIES 088606108 716 12,320 SH   SOLE 0 12,320 0 0
BHP GROUP LTD ADR FOREIGN EQUITIES 088606108 151 2,600 SH   DFND 0 2,600 0 0
BIOGEN INC COMMON STOCK 09062X103 187 800 SH   DFND 0 800 0 0
BLACKROCK INC COMMON STOCK 09247X101 14 30 SH   SOLE 0 30 0 0
BLACKROCK ENHANCED EQT DIV ETF/EQUITY 09251A104 51 5,703 SH   DFND 0 5,703 0 0
THE BLACKSTONE GROUP L P COMMON STOCK 09253U108 4 100 SH   DFND 0 100 0 0
BLUE APRON HOLDINGS INC COMMON STOCK 09523Q200 0 6 SH   SOLE 0 6 0 0
BOEING COMPANY COMMON STOCK 097023105 1,344 3,692 SH   SOLE 0 3,692 0 0
BOEING COMPANY COMMON STOCK 097023105 25 70 SH   DFND 0 70 0 0
BOOKING HLDGS INC COMMON STOCK 09857L108 11 6 SH   SOLE 0 6 0 0
BORGWARNER INC COMMON STOCK 099724106 4 100 SH   DFND 0 100 0 0
BRIDGE BANCORP INC COMMON STOCK 108035106 6 200 SH   SOLE 0 200 0 0
BRIGHTHOUSE FINANCIAL INC COMMON STOCK 10922N103 0 7 SH   SOLE 0 7 0 0
BRISTOL MYERS SQUIBB COMPANY COMMON STOCK 110122108 1,779 39,235 SH   SOLE 0 39,235 0 0
BRISTOL MYERS SQUIBB COMPANY COMMON STOCK 110122108 583 12,859 SH   DFND 0 12,859 0 0
BROOKFIELD ASSET MGMT INC CLASS A FOREIGN EQUITIES 112585104 49 1,017 SH   DFND 0 1,017 0 0
BUCKEYE PARTNERS LP COMMON STOCK 118230101 12 300 SH   DFND 0 300 0 0
CDK GLOBAL INC COMMON STOCK 12508E101 6 116 SH   DFND 0 116 0 0
C H ROBINSON WORLDWIDE INC COMMON STOCK 12541W209 1,089 12,912 SH   SOLE 0 12,912 0 0
C H ROBINSON WORLDWIDE INC COMMON STOCK 12541W209 57 675 SH   DFND 0 675 0 0
CIGNA CORP NEW COMMON STOCK 125523100 135 855 SH   SOLE 0 855 0 0
CIGNA CORP NEW COMMON STOCK 125523100 2 14 SH   DFND 0 14 0 0
CSX CORP COMMON STOCK 126408103 49 635 SH   SOLE 0 635 0 0
CSX CORP COMMON STOCK 126408103 542 7,000 SH   DFND 0 7,000 0 0
CVS HEALTH CORP COMMON STOCK 126650100 1,317 24,173 SH   SOLE 0 24,173 0 0
CVS HEALTH CORP COMMON STOCK 126650100 91 1,665 SH   DFND 0 1,665 0 0
CABOT OIL & GAS COMMON STOCK 127097103 0 2 SH   DFND 0 2 0 0
CANADIAN PAC RY LTD FOREIGN EQUITIES 13645T100 941 4,000 SH   SOLE 0 4,000 0 0
CAPITAL ONE FINANCIAL COMMON STOCK 14040H105 61 675 SH   SOLE 0 675 0 0
CATERPILLAR INC COMMON STOCK 149123101 1,029 7,549 SH   SOLE 0 7,549 0 0
CATERPILLAR INC COMMON STOCK 149123101 196 1,437 SH   DFND 0 1,437 0 0
CEL SCI CORP COMMON STOCK 150837607 17 2,000 SH   SOLE 0 2,000 0 0
CELGENE CORP COMMON STOCK 151020104 67 720 SH   SOLE 0 720 0 0
CELGENE CORP COMMON STOCK 151020104 14 150 SH   DFND 0 150 0 0
CENTENNIAL RESOURCE DEV INC COMMON STOCK 15136A102 2 200 SH   DFND 0 200 0 0
THE CHEMOURS CO COMMON STOCK 163851108 9 360 SH   DFND 0 360 0 0
CHEVRON CORP COMMON STOCK 166764100 3,362 27,020 SH   SOLE 0 27,020 0 0
CHEVRON CORP COMMON STOCK 166764100 708 5,686 SH   DFND 0 5,686 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 6,872 125,580 SH   SOLE 0 125,580 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 1,689 30,863 SH   DFND 0 30,863 0 0
CITIGROUP INC COMMON STOCK 172967424 65 927 SH   SOLE 0 927 0 0
CITIGROUP INC COMMON STOCK 172967424 7 100 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 6,075 119,321 SH   SOLE 0 119,321 0 0
COCA COLA COMPANY COMMON STOCK 191216100 966 18,984 SH   DFND 0 18,984 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 745 10,400 SH   SOLE 0 10,400 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 743 10,372 SH   DFND 0 10,372 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 1,729 40,906 SH   SOLE 0 40,906 0 0
COMCAST CORP CLASS A COMMON STOCK 20030N101 179 4,224 SH   DFND 0 4,224 0 0
COMMUNITY BK SYS INC COMMON STOCK 203607106 277 4,200 SH   SOLE 0 4,200 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 1,175 19,261 SH   SOLE 0 19,261 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 317 5,192 SH   DFND 0 5,192 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 455 5,185 SH   SOLE 0 5,185 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 114 1,300 SH   DFND 0 1,300 0 0
CONSTELLATION BRANDS INC CLASS A COMMON STOCK 21036P108 284 1,441 SH   SOLE 0 1,441 0 0
CONSTELLATION BRANDS INC CLASS A COMMON STOCK 21036P108 197 1,000 SH   DFND 0 1,000 0 0
CORNING INC COMMON STOCK 219350105 269 8,095 SH   SOLE 0 8,095 0 0
CORNING INC COMMON STOCK 219350105 45 1,367 SH   DFND 0 1,367 0 0
CORTEVA INC COMMON STOCK 22052L104 735 24,857 SH   SOLE 0 24,857 0 0
CORTEVA INC COMMON STOCK 22052L104 125 4,229 SH   DFND 0 4,229 0 0
COSTCO COMMON STOCK 22160K105 115 435 SH   SOLE 0 435 0 0
COSTCO COMMON STOCK 22160K105 15 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 18 1,000 SH   DFND 0 1,000 0 0
CUMMINS INC COMMON STOCK 231021106 2,419 14,117 SH   SOLE 0 14,117 0 0
CUMMINS INC COMMON STOCK 231021106 528 3,080 SH   DFND 0 3,080 0 0
DTE ENERGY CO COMMON STOCK 233331107 18 142 SH   SOLE 0 142 0 0
DANAHER CORP COMMON STOCK 235851102 41 290 SH   SOLE 0 290 0 0
DARDEN RESTAURANTS INC COMMON STOCK 237194105 153 1,254 SH   SOLE 0 1,254 0 0
DARDEN RESTAURANTS INC COMMON STOCK 237194105 314 2,580 SH   DFND 0 2,580 0 0
DEERE & COMPANY COMMON STOCK 244199105 26 155 SH   SOLE 0 155 0 0
DELL TECHNOLOGIES INC COMMON STOCK 24703L202 7 146 SH   SOLE 0 146 0 0
DENTSPLY SIRONA INC COMMON STOCK 24906P109 24 414 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 28 257 SH   SOLE 0 257 0 0
WALT DISNEY CO COMMON STOCK 254687106 4,828 34,573 SH   SOLE 0 34,573 0 0
WALT DISNEY CO COMMON STOCK 254687106 574 4,111 SH   DFND 0 4,111 0 0
DISCOVER FINANCIAL SERVICES COMMON STOCK 254709108 12 159 SH   SOLE 0 159 0 0
DOLLAR GENERAL CORP COMMON STOCK 256677105 258 1,907 SH   SOLE 0 1,907 0 0
DOLLAR GENERAL CORP COMMON STOCK 256677105 41 300 SH   DFND 0 300 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109 3,118 40,335 SH   SOLE 0 40,185 0 150
DOMINION ENERGY INC COMMON STOCK 25746U109 1,091 14,106 SH   DFND 0 14,106 0 0
DOVER CORP COMMON STOCK 260003108 7 66 SH   SOLE 0 66 0 0
DOW INC COMMON STOCK 260557103 1,669 33,840 SH   SOLE 0 33,840 0 0
DOW INC COMMON STOCK 260557103 200 4,055 SH   DFND 0 4,055 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204 456 5,171 SH   SOLE 0 5,171 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204 56 640 SH   DFND 0 640 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102 1,866 24,856 SH   SOLE 0 24,856 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102 317 4,230 SH   DFND 0 4,230 0 0
EOG RESOURCES INC COMMON STOCK 26875P101 311 3,335 SH   SOLE 0 3,335 0 0
EOG RESOURCES INC COMMON STOCK 26875P101 7 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 190 964 SH   SOLE 0 964 0 0
EDISON INTL COMMON STOCK 281020107 108 1,597 SH   DFND 0 1,597 0 0
EMERSON ELECTRIC CO COMMON STOCK 291011104 2,898 43,434 SH   SOLE 0 43,434 0 0
EMERSON ELECTRIC CO COMMON STOCK 291011104 328 4,916 SH   DFND 0 4,916 0 0
ENBRIDGE INC FOREIGN EQUITIES 29250N105 345 9,567 SH   SOLE 0 9,567 0 0
ENERGY TRANSFER EQUITY LP COMMON STOCK 29273V100 18 1,282 SH   DFND 0 1,282 0 0
ENTERPRISE PRODS PARTNERS LP COMMON STOCK 293792107 104 3,598 SH   SOLE 0 3,598 0 0
EVOLUTION PETROLEUM CORP COMMON STOCK 30049A107 1 200 SH   SOLE 0 200 0 0
EXELON CORP COMMON STOCK 30161N101 1,858 38,760 SH   SOLE 0 38,760 0 0
EXELON CORP COMMON STOCK 30161N101 380 7,925 SH   DFND 0 7,925 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102 7,105 92,714 SH   SOLE 0 92,614 0 100
EXXON MOBIL CORP COMMON STOCK 30231G102 2,264 29,544 SH   DFND 0 29,544 0 0
FNCB BANCORP INC COMMON STOCK 302578109 20 2,584 SH   SOLE 0 2,584 0 0
FACEBOOK INC CLASS A COMMON STOCK 30303M102 57 295 SH   SOLE 0 295 0 0
FACEBOOK INC CLASS A COMMON STOCK 30303M102 24 125 SH   DFND 0 125 0 0
FASTENAL CO COMMON STOCK 311900104 200 6,152 SH   SOLE 0 6,152 0 0
FASTENAL CO COMMON STOCK 311900104 196 6,000 SH   DFND 0 6,000 0 0
FEDEX CORP COMMON STOCK 31428X106 48 295 SH   SOLE 0 295 0 0
FIFTH THIRD BANCORP COMMON STOCK 316773100 18 655 SH   DFND 0 655 0 0
FIRST TRUST NASDAQ TECH DIV ETF/EQUITY 33738R118 490 12,555 SH   SOLE 0 12,455 0 100
FIRST TRUST NASDAQ TECH DIV ETF/EQUITY 33738R118 4 105 SH   DFND 0 105 0 0
FORD MOTOR COMPANY COMMON STOCK 345370860 5 490 SH   SOLE 0 490 0 0
FORD MOTOR COMPANY COMMON STOCK 345370860 13 1,315 SH   DFND 0 1,315 0 0
FORTUNE BRANDS HOME & SEC COMMON STOCK 34964C106 11 200 SH   SOLE 0 200 0 0
FRANCO NEVADA CORP FOREIGN EQUITIES 351858105 11 132 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
GABELLI MULTIMEDIA TR INC MUTUAL FUND LARGE CAP EQUITY 36239Q109 0 10 SH   DFND 0 10 0 0
GABELLI UTILITY TRUST MUTUAL FUNDS MID CAP EQUITY 36240A101 0 10 SH   DFND 0 10 0 0
ARTHUR J GALLAGHER & CO COMMON STOCK 363576109 13 150 SH   DFND 0 150 0 0
GAP INC DEL COMMON STOCK 364760108 48 2,700 SH   SOLE 0 2,700 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 627 3,449 SH   SOLE 0 3,449 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 10 57 SH   DFND 0 57 0 0
GENERAL ELECTRIC CO COMMON STOCK 369604103 643 61,201 SH   SOLE 0 61,201 0 0
GENERAL ELECTRIC CO COMMON STOCK 369604103 92 8,728 SH   DFND 0 8,728 0 0
GENERAL MILLS INC COMMON STOCK 370334104 1,668 31,763 SH   SOLE 0 31,763 0 0
GENERAL MILLS INC COMMON STOCK 370334104 490 9,335 SH   DFND 0 9,335 0 0
GENESIS HEALTHCARE INC COMMON STOCK 37185X106 1 500 SH   SOLE 0 500 0 0
GENUINE PARTS CO COMMON STOCK 372460105 20 196 SH   SOLE 0 196 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 675 9,992 SH   SOLE 0 9,992 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 34 500 SH   DFND 0 500 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 159 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 6 30 SH   DFND 0 30 0 0
HASBRO INC COMMON STOCK 418056107 2 20 SH   SOLE 0 20 0 0
HERSHEY CO COMMON STOCK 427866108 174 1,300 SH   SOLE 0 1,300 0 0
HERSHEY CO COMMON STOCK 427866108 134 1,000 SH   DFND 0 1,000 0 0
HOME DEPOT INC COMMON STOCK 437076102 1,594 7,665 SH   SOLE 0 7,665 0 0
HOME DEPOT INC COMMON STOCK 437076102 340 1,636 SH   DFND 0 1,636 0 0
HONEYWELL INTL INC COMMON STOCK 438516106 702 4,020 SH   SOLE 0 4,020 0 0
HONEYWELL INTL INC COMMON STOCK 438516106 28 159 SH   DFND 0 159 0 0
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109 3,131 20,764 SH   SOLE 0 20,764 0 0
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109 567 3,761 SH   DFND 0 3,761 0 0
IMPERIAL OIL LTD FOREIGN EQUITIES 453038408 304 11,000 SH   SOLE 0 11,000 0 0
INFINITY PHARMACEUTICALS INC COMMON STOCK 45665G303 43 24,000 SH   SOLE 0 24,000 0 0
INFUSYSTEMS HOLDINGS INC COMMON STOCK 45685K102 51 12,000 SH   SOLE 0 12,000 0 0
INTEL CORP COMMON STOCK 458140100 6,218 129,920 SH   SOLE 0 129,705 0 215
INTEL CORP COMMON STOCK 458140100 1,257 26,264 SH   DFND 0 26,264 0 0
INTL BUSINESS MACHINES CORP COMMON STOCK 459200101 6,640 48,154 SH   SOLE 0 48,154 0 0
INTL BUSINESS MACHINES CORP COMMON STOCK 459200101 10,828 78,522 SH   DFND 0 78,522 0 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103 7 156 SH   DFND 0 156 0 0
INTERNATIONAL SPEEDWAY CORP CLASS A COMMON STOCK 460335201 117 2,600 SH   SOLE 0 2,600 0 0
INVESCO ACTIVELY MANAGD ETF ULTRA SHRT DUR ETF/FIXED INCOME 46090A887 825 16,390 SH   SOLE 0 16,140 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 103 550 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 FTSE RAFI US1000 ETF ETF/EQUITY 46137V613 13 112 SH   SOLE 0 112 0 0
INVESCO EXCHNG TRADED FD TR NATL AMT MUNI ETF/EQUITY 46138E537 33 1,250 SH   SOLE 0 1,250 0 0
INVESCO KBW BANK ETF ETF/EQUITY 46138E628 475 9,415 SH   SOLE 0 9,335 0 80
INVESCO KBW BANK ETF ETF/EQUITY 46138E628 3 50 SH   DFND 0 50 0 0
INVESCO VARIABLE RATE PFD ETF/EQUITY 46138G870 2,119 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 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 16 100 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 3,831 283,743 SH   SOLE 0 283,443 0 300
ISHARES GOLD TRUST ETF/OTHER 464285105 4 300 SH   DFND 0 300 0 0
ISHARES MSCI CANADA ETF ETF/INTERNATIONAL EQUITY 464286509 242 8,459 SH   SOLE 0 8,459 0 0
ISHARES MSCI MIN VOL EMERGE MARKETS ETF ETF/INTERNATIONAL EQUITY 464286533 4,090 69,490 SH   SOLE 0 69,365 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 95 958 SH   SOLE 0 958 0 0
ISHARES TIPS BOND ETF ETF/FIXED INCOME 464287176 489 4,236 SH   SOLE 0 4,236 0 0
ISHARES CORE S&P 500 ETF ETF/EQUITY 464287200 23,785 80,695 SH   SOLE 0 80,695 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 166 1,331 SH   SOLE 0 1,331 0 0
ISHARES IBOXX $ INVMT GRADE CORP BOND ETF ETF/FIXED INCOME 464287242 53 425 SH   DFND 0 425 0 0
ISHARES S&P 500 GROWTH ETF ETF/EQUITY 464287309 634 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/EQUITY 464287325 32 520 SH   SOLE 0 520 0 0
ISHARES S&P 500 VALUE ETF ETF/EQUITY 464287408 612 5,250 SH   SOLE 0 5,250 0 0
ISHARES S&P 500 VALUE ETF ETF/EQUITY 464287408 13 110 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 1,747 26,579 SH   SOLE 0 26,579 0 0
ISHARES MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 464287465 1,179 17,942 SH   DFND 0 17,942 0 0
ISHARES RUSSELL MIDCAP VALUE ETF/EQUITY 464287473 3,641 40,849 SH   SOLE 0 40,849 0 0
ISHARES RUSSELL MIDCAP VALUE ETF/EQUITY 464287473 189 2,125 SH   DFND 0 2,125 0 0
ISHARES RUSSELL MIDCAP GROW ETF ETF/EQUITY 464287481 46 325 SH   SOLE 0 325 0 0
ISHARES TR RUS MID-CAP ETF ETF/EQUITY 464287499 32 580 SH   SOLE 0 580 0 0
ISHARES CORE S&P MIDCAP ETF ETF/EQUITY 464287507 7,081 36,452 SH   SOLE 0 36,422 0 30
ISHARES CORE S&P MIDCAP ETF ETF/EQUITY 464287507 53 275 SH   DFND 0 275 0 0
ISHARES NASDAQ BIOTECHNOLOGYETF ETF/EQUITY 464287556 54 495 SH   SOLE 0 495 0 0
ISHARES RUSSELL 1000 VALUE ETF ETF/EQUITY 464287598 2,907 22,847 SH   SOLE 0 22,737 0 110
ISHARES RUSSELL 1000 VALUE ETF ETF/EQUITY 464287598 1,677 13,185 SH   DFND 0 13,185 0 0
ISHARES S&P MIDCAP 400 GROWTH ETF ETF/EQUITY 464287606 417 1,845 SH   SOLE 0 1,845 0 0
ISHARES S&P MIDCAP 400 GROWTH ETF ETF/EQUITY 464287606 50 220 SH   DFND 0 220 0 0
ISHARES RUSSELL 1000 GROWTH ETF ETF/EQUITY 464287614 4,105 26,088 SH   SOLE 0 25,993 0 95
ISHARES RUSSELL 1000 GROWTH ETF ETF/EQUITY 464287614 2,467 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 494 3,177 SH   SOLE 0 3,177 0 0
ISHARES RUSSELL 2000 ETF ETF/EQUITY 464287655 62 400 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 7,253 92,658 SH   SOLE 0 92,623 0 35
ISHARES CORE S&P SMALLCAP ETF ETF/EQUITY 464287804 2,159 27,578 SH   DFND 0 27,578 0 0
ISHARES MSCI ACWI EX US ETF ETF/INTERNATIONAL EQUITY 464288240 281 6,000 SH   SOLE 0 6,000 0 0
ISHARES MSCI EAFE SMALLCAP ETF ETF/INTERNATIONAL EQUITY 464288273 1 25 SH   SOLE 0 25 0 0
ISHARES NATIONAL MUNI BOND ETF ETF/FIXED INCOME 464288414 212 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 CREDIT BOND ETF ETF/FIXED INCOME 464288638 75 1,324 SH   SOLE 0 1,324 0 0
ISHARES INTERMEDIATE CREDIT BOND ETF ETF/FIXED INCOME 464288638 78 1,370 SH   DFND 0 1,370 0 0
ISHARES SHORT TERM CORP BOND ETF/FIXED INCOME 464288646 426 7,974 SH   SOLE 0 7,974 0 0
ISHARES SHORT TERM CORP BOND ETF/FIXED INCOME 464288646 255 4,778 SH   DFND 0 4,778 0 0
ISHARES US PREFERRED STOCK ETF/OTHER 464288687 315 8,539 SH   SOLE 0 8,539 0 0
ISHARES US PREFERRED STOCK ETF/OTHER 464288687 10 270 SH   DFND 0 270 0 0
ISHARES US AEROSPACE & DEFENSE ETF ETF/EQUITY 464288760 13 60 SH   DFND 0 60 0 0
ISHARES FLOATING RATE BOND ETF/FIXED INCOME 46429B655 2,434 47,800 SH   SOLE 0 47,800 0 0
ISHARES CORE HIGH DIVIDEND ETF ETF/EQUITY 46429B663 131 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 8,802 121,194 SH   SOLE 0 120,944 0 250
ISHARES EDGE MSCI MIN VOL EAFE ETF ETF/INTERNATIONAL EQUITY 46429B689 30 409 SH   DFND 0 409 0 0
ISHARES EDGE MSCI MIN VOL USA ETF ETF/EQUITY 46429B697 19,711 319,354 SH   SOLE 0 318,989 0 365
ISHARES EDGE MSCI MIN VOL USA ETF ETF/EQUITY 46429B697 18 285 SH   DFND 0 285 0 0
ISHARES TR BRC 0-5 YR TIP ETF/FIXED INCOME 46429B747 500 4,970 SH   SOLE 0 4,920 0 50
ISHARES TR BRC 0-5 YR TIP ETF/FIXED INCOME 46429B747 4 40 SH   DFND 0 40 0 0
ISHARES CORE MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 46432F842 19,898 324,069 SH   SOLE 0 323,849 0 220
ISHARES CORE MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 46432F842 203 3,301 SH   DFND 0 3,301 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 46434G103 4,924 95,746 SH   SOLE 0 95,621 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 642 18,875 SH   SOLE 0 18,875 0 0
ISHARES 0-5 YR INVMT GR CORP ETF/FIXED INCOME 46434V100 43 845 SH   DFND 0 845 0 0
ISHARES EDGE MSCI MIN VOL USSMALLCAP ETF/EQUITY 46435G433 2,529 75,894 SH   SOLE 0 75,809 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 346 5,375 SH   SOLE 0 5,375 0 0
JPMORGAN CHASE & CO COMMON STOCK 46625H100 5,470 48,924 SH   SOLE 0 48,924 0 0
JPMORGAN CHASE & CO COMMON STOCK 46625H100 574 5,131 SH   DFND 0 5,131 0 0
JABIL CIRCUIT INC. COMMON STOCK 466313103 6 200 SH   SOLE 0 200 0 0
JPMORGAN DIVERSIFIED RETURN INTL EQ ETF ETF/INTERNATIONAL EQUITY 46641Q209 4,913 90,228 SH   SOLE 0 90,153 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 7,449 99,520 SH   SOLE 0 99,420 0 100
JPMORGAN DIVERSIFIED RETURN US EQ ETF ETF/EQUITY 46641Q407 6 85 SH   DFND 0 85 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 8,185 58,769 SH   SOLE 0 58,694 0 75
JOHNSON & JOHNSON COMMON STOCK 478160104 2,352 16,888 SH   DFND 0 16,888 0 0
KEYCORP COMMON STOCK 493267108 147 8,275 SH   SOLE 0 8,275 0 0
KEYCORP COMMON STOCK 493267108 9 500 SH   DFND 0 500 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 190 1,429 SH   SOLE 0 1,429 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 622 4,665 SH   DFND 0 4,665 0 0
KINDER MORGAN INC COMMON STOCK 49456B101 17 829 SH   SOLE 0 829 0 0
KONINKLIJKE PHILIPS N.V FOREIGN EQUITIES 500472303 6 130 SH   SOLE 0 130 0 0
KONTOOR BRANDS INC COMMON STOCK 50050N103 1 41 SH   DFND 0 41 0 0
KRAFT HEINZ COMPANY COMMON STOCK 500754106 284 9,138 SH   SOLE 0 9,138 0 0
KRAFT HEINZ COMPANY COMMON STOCK 500754106 83 2,683 SH   DFND 0 2,683 0 0
KROGER COMPANY COMMON STOCK 501044101 8 370 SH   SOLE 0 370 0 0
ELI LILLY AND COMPANY COMMON STOCK 532457108 231 2,088 SH   SOLE 0 2,088 0 0
ELI LILLY AND COMPANY COMMON STOCK 532457108 201 1,816 SH   DFND 0 1,816 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 182 500 SH   SOLE 0 500 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 147 405 SH   DFND 0 405 0 0
LOEWS CORP COMMON STOCK 540424108 71 1,300 SH   DFND 0 1,300 0 0
LOWES COMPANIES INC COMMON STOCK 548661107 1,498 14,841 SH   SOLE 0 14,841 0 0
LOWES COMPANIES INC COMMON STOCK 548661107 46 459 SH   DFND 0 459 0 0
M & T BANK CORP COMMON STOCK 55261F104 220 1,293 SH   SOLE 0 1,293 0 0
M & T BANK CORP COMMON STOCK 55261F104 1,372 8,068 SH   DFND 0 8,068 0 0
MAGNA INTERNATIONAL INC FOREIGN EQUITIES 559222401 36 720 SH   SOLE 0 720 0 0
MANULIFE FINL CORP FOREIGN EQUITIES 56501R106 273 15,000 SH   SOLE 0 15,000 0 0
MANULIFE FINL CORP FOREIGN EQUITIES 56501R106 6 308 SH   DFND 0 308 0 0
MARATHON OIL CORP COMMON STOCK 565849106 2 145 SH   DFND 0 145 0 0
MARATHON PETROLEUM CORP COMMON STOCK 56585A102 19 344 SH   DFND 0 344 0 0
MARRIOTT INTL INC CLASS A COMMON STOCK 571903202 20 140 SH   SOLE 0 140 0 0
MASTERCARD INC CLASS A COMMON STOCK 57636Q104 140 530 SH   SOLE 0 530 0 0
MCDONALDS CORP COMMON STOCK 580135101 2,281 10,982 SH   SOLE 0 10,982 0 0
MCDONALDS CORP COMMON STOCK 580135101 470 2,265 SH   DFND 0 2,265 0 0
MCKESSON CORP COMMON STOCK 58155Q103 36 266 SH   SOLE 0 266 0 0
MCKESSON CORP COMMON STOCK 58155Q103 269 2,000 SH   DFND 0 2,000 0 0
MEDICAL PPTYS TRUST INC COMMON STOCK 58463J304 3 200 SH   DFND 0 200 0 0
MERCK & COMPANY INC COMMON STOCK 58933Y105 7,386 88,081 SH   SOLE 0 88,081 0 0
MERCK & COMPANY INC COMMON STOCK 58933Y105 1,508 17,988 SH   DFND 0 17,988 0 0
METLIFE INC COMMON STOCK 59156R108 8 154 SH   SOLE 0 154 0 0
MICROSOFT CORP COMMON STOCK 594918104 9,516 71,039 SH   SOLE 0 71,039 0 0
MICROSOFT CORP COMMON STOCK 594918104 1,441 10,755 SH   DFND 0 10,755 0 0
MILLER INDUSTRIES INC COMMON STOCK 600551204 32 1,054 SH   SOLE 0 1,054 0 0
MONDELEZ INTL INC CL A COMMON STOCK 609207105 144 2,674 SH   SOLE 0 2,674 0 0
MONDELEZ INTL INC CL A COMMON STOCK 609207105 19 350 SH   DFND 0 350 0 0
MORGAN STANLEY COMMON STOCK 617446448 338 7,704 SH   SOLE 0 7,704 0 0
MOTOROLA SOLUTIONS INC COMMON STOCK 620076307 21 125 SH   SOLE 0 125 0 0
NBT BANCORP INC COMMON STOCK 628778102 587 15,641 SH   SOLE 0 15,641 0 0
NBT BANCORP INC COMMON STOCK 628778102 1,273 33,935 SH   DFND 0 33,935 0 0
NATIONAL FUEL GAS COMPANY COMMON STOCK 636180101 53 1,000 SH   SOLE 0 1,000 0 0
NATIONAL FUEL GAS COMPANY COMMON STOCK 636180101 167 3,166 SH   DFND 0 3,166 0 0
NATIONAL GRID PLC ADR FOREIGN EQUITIES 636274409 2 45 SH   SOLE 0 45 0 0
NATIONAL GRID PLC ADR FOREIGN EQUITIES 636274409 10 185 SH   DFND 0 185 0 0
NEW YORK CMNTY BANCORP INC COMMON STOCK 649445103 4 400 SH   SOLE 0 400 0 0
NEXSTAR MEDIA GROUP CLASS A COMMON STOCK 65336K103 5 50 SH   SOLE 0 50 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 1,963 9,582 SH   SOLE 0 9,582 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 957 4,670 SH   DFND 0 4,670 0 0
NIKE INC CLASS B COMMON STOCK 654106103 1,816 23,539 SH   SOLE 0 23,539 0 0
NIKE INC CLASS B COMMON STOCK 654106103 128 1,666 SH   DFND 0 1,666 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 1,480 7,427 SH   SOLE 0 7,427 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 20 100 SH   DFND 0 100 0 0
NORTHROP GRUMMAN CORP COMMON STOCK 666807102 137 425 SH   SOLE 0 425 0 0
NORTH WEST BANCSHARES INC COMMON STOCK 667340103 20 1,125 SH   SOLE 0 1,125 0 0
NORWOOD FINANCIAL CORP COMMON STOCK 669549107 37 1,050 SH   SOLE 0 1,050 0 0
NOVARTIS AG ADR FOREIGN EQUITIES 66987V109 935 10,238 SH   SOLE 0 10,238 0 0
NOVARTIS AG ADR FOREIGN EQUITIES 66987V109 411 4,500 SH   DFND 0 4,500 0 0
NUCOR CORP COMMON STOCK 670346105 2,312 41,960 SH   SOLE 0 41,960 0 0
NUCOR CORP COMMON STOCK 670346105 487 8,842 SH   DFND 0 8,842 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 427 7,990 SH   SOLE 0 7,990 0 0
NUTRIEN LTD FOREIGN EQUITIES 67077M108 17 324 SH   DFND 0 324 0 0
OCCIDENTAL PETROLEUM CORP COMMON STOCK 674599105 10 200 SH   SOLE 0 200 0 0
OFFICE DEPOT INC COMMON STOCK 676220106 1 597 SH   DFND 0 597 0 0
OLD REPUBLIC INTL CORP COMMON STOCK 680223104 9 400 SH   DFND 0 400 0 0
OMNICOM GROUP INC COMMON STOCK 681919106 1,870 22,814 SH   SOLE 0 22,814 0 0
OMNICOM GROUP INC COMMON STOCK 681919106 88 1,070 SH   DFND 0 1,070 0 0
OMEGA HEALTHCARE INV INC COMMON STOCK 681936100 22 600 SH   SOLE 0 600 0 0
ONEOK INC COMMON STOCK 682680103 27 394 SH   SOLE 0 394 0 0
ORACLE CORP COMMON STOCK 68389X105 443 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 1,333 9,713 SH   SOLE 0 9,713 0 0
PNC FINL SVCS GROUP INC COMMON STOCK 693475105 8 55 SH   DFND 0 55 0 0
PPG INDUSTRIES INC COMMON STOCK 693506107 339 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 608 19,623 SH   SOLE 0 19,273 0 350
PPL CORP COMMON STOCK 69351T106 17 550 SH   DFND 0 550 0 0
PALO ALTO NETWORKS INC COMMON STOCK 697435105 24 120 SH   SOLE 0 120 0 0
PARATEK PHARMACEUTICALS INC COMMON STOCK 699374302 2 500 SH   DFND 0 500 0 0
PAYCHEX INC COMMON STOCK 704326107 33 395 SH   DFND 0 395 0 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103 35 310 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 92 5,476 SH   SOLE 0 5,476 0 0
PEPSICO INC COMMON STOCK 713448108 6,274 47,847 SH   SOLE 0 47,847 0 0
PEPSICO INC COMMON STOCK 713448108 1,179 8,993 SH   DFND 0 8,993 0 0
PFIZER INC COMMON STOCK 717081103 4,981 115,002 SH   SOLE 0 115,002 0 0
PFIZER INC COMMON STOCK 717081103 1,380 31,862 SH   DFND 0 31,862 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109 615 7,829 SH   SOLE 0 7,829 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109 83 1,060 SH   DFND 0 1,060 0 0
PHILLIPS 66 COMMON STOCK 718546104 420 4,492 SH   SOLE 0 4,492 0 0
PHILLIPS 66 COMMON STOCK 718546104 318 3,395 SH   DFND 0 3,395 0 0
PIMCO ETF TR 1-5 US TIP IDX ETF/FIXED INCOME 72201R205 55 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 308 3,275 SH   SOLE 0 3,275 0 0
POLARIS INDUSTRIES INC COMMON STOCK 731068102 9 100 SH   SOLE 0 100 0 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108 19 170 SH   SOLE 0 170 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 6,185 56,403 SH   SOLE 0 56,308 0 95
PROCTER & GAMBLE CO COMMON STOCK 742718109 965 8,798 SH   DFND 0 8,798 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102 254 2,519 SH   SOLE 0 2,519 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102 6 61 SH   DFND 0 61 0 0
PRUDENTIAL PLC ADR FOREIGN EQUITIES 74435K204 6 135 SH   SOLE 0 135 0 0
PUBLIC SVC ENTERPRISE GROUP COMMON STOCK 744573106 4,086 69,483 SH   SOLE 0 69,483 0 0
PUBLIC SVC ENTERPRISE GROUP COMMON STOCK 744573106 1,196 20,334 SH   DFND 0 20,334 0 0
QUALCOMM INC COMMON STOCK 747525103 511 6,716 SH   SOLE 0 6,716 0 0
QUALCOMM INC COMMON STOCK 747525103 130 1,710 SH   DFND 0 1,710 0 0
QUEST DIAGNOSTICS INC COMMON STOCK 74834L100 11 105 SH   DFND 0 105 0 0
RAYTHEON CO COMMON STOCK 755111507 136 780 SH   SOLE 0 780 0 0
RAYTHEON CO COMMON STOCK 755111507 72 415 SH   DFND 0 415 0 0
REALTY INCOME CORP COMMON STOCK 756109104 66 956 SH   SOLE 0 956 0 0
RIO TINTO PLC ADR FOREIGN EQUITIES 767204100 285 4,579 SH   SOLE 0 4,579 0 0
RIO TINTO PLC ADR FOREIGN EQUITIES 767204100 9 150 SH   DFND 0 150 0 0
ROCKWELL AUTOMATION INC COMMON STOCK 773903109 121 737 SH   SOLE 0 737 0 0
ROCKWELL AUTOMATION INC COMMON STOCK 773903109 29 175 SH   DFND 0 175 0 0
ROYAL BANK OF CANADA FOREIGN EQUITIES 780087102 1,613 20,315 SH   SOLE 0 20,315 0 0
ROYAL BANK OF CANADA FOREIGN EQUITIES 780087102 99 1,250 SH   DFND 0 1,250 0 0
ROYAL DUTCH SHELL PLC CL A FOREIGN EQUITIES 780259206 456 7,005 SH   SOLE 0 7,005 0 0
ROYAL DUTCH SHELL PLC CL A FOREIGN EQUITIES 780259206 7 100 SH   DFND 0 100 0 0
ROYAL GOLD INC COMMON STOCK 780287108 6 63 SH   DFND 0 63 0 0
S&P GLOBAL INC COMMON STOCK 78409V104 236 1,035 SH   DFND 0 1,035 0 0
SPDR S&P 500 ETF ETF/EQUITY 78462F103 6,349 21,670 SH   SOLE 0 21,670 0 0
SPDR S&P 500 ETF ETF/EQUITY 78462F103 777 2,651 SH   DFND 0 2,651 0 0
SPDR GOLD SHARES ETF/OTHER 78463V107 550 4,132 SH   SOLE 0 4,132 0 0
SPDR GOLD SHARES ETF/OTHER 78463V107 574 4,310 SH   DFND 0 4,310 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 23 650 SH   DFND 0 650 0 0
SPDR PORTFOLIO S&P500 GROWTH ETF/EQUITY 78464A409 1,203 31,070 SH   SOLE 0 31,070 0 0
SPDR PORTFOLIO S&P 500 VALUE ETF/EQUITY 78464A508 1,225 39,190 SH   SOLE 0 39,190 0 0
SPDR SERIES TRUST BLMBRG BRC INTRM ETF/FIXED INCOME 78464A672 417 6,750 SH   SOLE 0 6,750 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 1,009 21,827 SH   SOLE 0 21,639 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 5,286 107,750 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 5,205 14,679 SH   SOLE 0 14,679 0 0
SPDR S&P MIDCAP 400 ETF ETF/EQUITY 78467Y107 2,146 6,053 SH   DFND 0 6,053 0 0
SPDR BB INV GRADE FLT RATE ETF/OTHER 78468R200 879 28,625 SH   SOLE 0 28,525 0 100
SPDR BB INV GRADE FLT RATE ETF/OTHER 78468R200 10 310 SH   DFND 0 310 0 0
SPDR BBBC HIGH YIELD BD ETF ETF/FIXED INCOME 78468R622 46 418 SH   SOLE 0 418 0 0
SPDR 1-3 MO TBILL ETF ETF/FIXED INCOME 78468R663 4,209 45,944 SH   SOLE 0 45,854 0 90
SPDR 1-3 MO TBILL ETF ETF/FIXED INCOME 78468R663 7 75 SH   DFND 0 75 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
SCHLUMBERGER LTD FOREIGN EQUITIES 806857108 711 17,894 SH   SOLE 0 17,894 0 0
SCHLUMBERGER LTD FOREIGN EQUITIES 806857108 18 448 SH   DFND 0 448 0 0
SCHWAB US SMALL CAP ETF ETF/EQUITY 808524607 2,106 29,472 SH   SOLE 0 29,472 0 0
SCHWAB US SMALL CAP ETF ETF/EQUITY 808524607 139 1,947 SH   DFND 0 1,947 0 0
MATERIALS SELECT SECTOR SPDRETF ETF/EQUITY 81369Y100 3 45 SH   SOLE 0 45 0 0
MATERIALS SELECT SECTOR SPDRETF ETF/EQUITY 81369Y100 569 9,725 SH   DFND 0 9,725 0 0
HEALTH CARE SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y209 63 675 SH   SOLE 0 675 0 0
CONSUMER STAPLES SECTOR SPDR ETF/EQUITY 81369Y308 35 600 SH   SOLE 0 600 0 0
CONSUMER DISCRET SEL SECT SPDR ETF ETF/EQUITY 81369Y407 52 433 SH   SOLE 0 433 0 0
ENERGY SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y506 283 4,440 SH   SOLE 0 4,440 0 0
ENERGY SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y506 19 300 SH   DFND 0 300 0 0
SPDR FINANCIAL SELECT SECTOR ETF/EQUITY 81369Y605 17 600 SH   SOLE 0 600 0 0
SPDR FINANCIAL SELECT SECTOR ETF/EQUITY 81369Y605 22 800 SH   DFND 0 800 0 0
TECHNOLOGY SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y803 107 1,375 SH   SOLE 0 1,375 0 0
TECHNOLOGY SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y803 534 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 104 1,737 SH   SOLE 0 1,737 0 0
SEMPRA ENERGY COMMON STOCK 816851109 547 3,980 SH   SOLE 0 3,980 0 0
SEMPRA ENERGY COMMON STOCK 816851109 151 1,100 SH   DFND 0 1,100 0 0
SIMON PROPERTY GROUP INC COMMON STOCK 828806109 27 167 SH   SOLE 0 167 0 0
SMITH & NEPHEW PLC ADR FOREIGN EQUITIES 83175M205 8 176 SH   SOLE 0 176 0 0
SONOCO PRODUCTS CO COMMON STOCK 835495102 33 500 SH   SOLE 0 500 0 0
SONY CORP ADR FOREIGN EQUITIES 835699307 6 120 SH   SOLE 0 120 0 0
SOUTHERN COMPANY COMMON STOCK 842587107 449 8,117 SH   SOLE 0 8,117 0 0
SOUTHERN COMPANY COMMON STOCK 842587107 59 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 72 500 SH   SOLE 0 500 0 0
STANLEY BLACK & DECKER INC COMMON STOCK 854502101 289 2,000 SH   DFND 0 2,000 0 0
STARBUCKS CORP COMMON STOCK 855244109 525 6,263 SH   SOLE 0 6,263 0 0
STARBUCKS CORP COMMON STOCK 855244109 35 420 SH   DFND 0 420 0 0
STATE STREET CORP COMMON STOCK 857477103 129 2,301 SH   SOLE 0 2,301 0 0
STATE STREET CORP COMMON STOCK 857477103 45 800 SH   DFND 0 800 0 0
STRYKER CORP COMMON STOCK 863667101 1,424 6,926 SH   SOLE 0 6,926 0 0
STRYKER CORP COMMON STOCK 863667101 16 79 SH   DFND 0 79 0 0
SUBURBAN PROPANE PARTNERS LP COMMON STOCK 864482104 0 10 SH   DFND 0 10 0 0
SUN COMMUNITIES INC COMMON STOCK 866674104 39 301 SH   SOLE 0 301 0 0
SUN LIFE FINL INC COM FOREIGN EQUITIES 866796105 496 12,000 SH   SOLE 0 12,000 0 0
SUNCOKE ENERGY INC COMMON STOCK 86722A103 2 218 SH   DFND 0 218 0 0
SUNCOR ENERGY INC FOREIGN EQUITIES 867224107 78 2,500 SH   DFND 0 2,500 0 0
SUNTRUST BANKS INC COMMON STOCK 867914103 44 700 SH   SOLE 0 700 0 0
SYSCO CORP COMMON STOCK 871829107 1,457 20,600 SH   SOLE 0 20,600 0 0
SYSCO CORP COMMON STOCK 871829107 743 10,500 SH   DFND 0 10,500 0 0
TJX COMPANIES COMMON STOCK 872540109 128 2,424 SH   SOLE 0 2,424 0 0
TJX COMPANIES COMMON STOCK 872540109 9 170 SH   DFND 0 170 0 0
TARGET CORP COMMON STOCK 87612E106 404 4,670 SH   SOLE 0 4,670 0 0
TARGET CORP COMMON STOCK 87612E106 27 317 SH   DFND 0 317 0 0
TC ENERGY CORP COM FOREIGN EQUITIES 87807B107 782 15,800 SH   SOLE 0 15,800 0 0
TELEDYNE TECHNOLOGIES INC COMMON STOCK 879360105 51 187 SH   DFND 0 187 0 0
TENARIS SA ADR FOREIGN EQUITIES 88031M109 26 1,000 SH   SOLE 0 1,000 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 2,250 19,603 SH   SOLE 0 19,603 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 306 2,665 SH   DFND 0 2,665 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 270 919 SH   SOLE 0 919 0 0
THOMSON REUTERS CORP FOREIGN EQUITIES 884903709 445 6,900 SH   SOLE 0 6,900 0 0
3M COMPANY COMMON STOCK 88579Y101 3,704 21,367 SH   SOLE 0 21,367 0 0
3M COMPANY COMMON STOCK 88579Y101 498 2,871 SH   DFND 0 2,871 0 0
TOMPKINS FINANCIAL CORP COMMON STOCK 890110109 322 3,952 SH   SOLE 0 3,952 0 0
TORONTO DOMINION BANK FOREIGN EQUITIES 891160509 800 13,704 SH   SOLE 0 13,704 0 0
TORONTO DOMINION BANK FOREIGN EQUITIES 891160509 42 725 SH   DFND 0 725 0 0
TOTAL SA ADR FOREIGN EQUITIES 89151E109 87 1,556 SH   SOLE 0 1,556 0 0
TOYOTA MOTOR CORP FOREIGN EQUITIES 892331307 25 200 SH   SOLE 0 200 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109 626 4,190 SH   SOLE 0 4,190 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109 31 210 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 2,675 51,048 SH   SOLE 0 51,048 0 0
US BANCORP COMMON STOCK 902973304 229 4,365 SH   DFND 0 4,365 0 0
UNION PACIFIC CORP COMMON STOCK 907818108 586 3,465 SH   SOLE 0 3,465 0 0
UNION PACIFIC CORP COMMON STOCK 907818108 186 1,100 SH   DFND 0 1,100 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 1,610 15,591 SH   SOLE 0 15,591 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 146 1,411 SH   DFND 0 1,411 0 0
UNITED STATES STEEL CORP COMMON STOCK 912909108 1 35 SH   DFND 0 35 0 0
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 3,395 26,073 SH   SOLE 0 26,073 0 0
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 587 4,509 SH   DFND 0 4,509 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 1,771 7,257 SH   SOLE 0 7,257 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 33 135 SH   DFND 0 135 0 0
UNITI GROUP INC COMMON STOCK 91325V108 2 200 SH   DFND 0 200 0 0
VF CORP COMMON STOCK 918204108 1,212 13,876 SH   SOLE 0 13,876 0 0
VF CORP COMMON STOCK 918204108 52 592 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 166 15,356 SH   SOLE 0 15,356 0 0
VANECK VECTORS GOLD MINERS ETF ETF/INTERNATIONAL EQUITY 92189F106 511 20,000 SH   DFND 0 20,000 0 0
VANECK VECTORS AGRIBUSINESS ETF ETF/EQUITY 92189F700 33 500 SH   SOLE 0 500 0 0
VANECK VECTORS HIGH YLD MUNI ETF/FIXED INCOME 92189H409 48 750 SH   SOLE 0 750 0 0
VANGUARD DIVIDEND APPRECIATION ETF ETF/EQUITY 921908844 912 7,917 SH   SOLE 0 7,917 0 0
VANGUARD DIVIDEND APPRECIATION ETF ETF/EQUITY 921908844 798 6,928 SH   DFND 0 6,928 0 0
VANGUARD TOTAL INTL STOCK ETF ETF/INTERNATIONAL EQUITY 921909768 146 2,771 SH   SOLE 0 2,771 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 144 1,660 SH   SOLE 0 1,660 0 0
VANGUARD SHORT TERM BOND ETF ETF/FIXED INCOME 921937827 1,091 13,552 SH   SOLE 0 13,057 0 495
VANGUARD SHORT TERM BOND ETF ETF/FIXED INCOME 921937827 177 2,197 SH   DFND 0 2,197 0 0
VANGUARD TOTAL BOND MRKT ETF ETF/FIXED INCOME 921937835 925 11,135 SH   SOLE 0 11,135 0 0
VANGUARD TOTAL BOND MRKT ETF ETF/FIXED INCOME 921937835 130 1,564 SH   DFND 0 1,564 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF/INTERNATIONAL EQUITY 921943858 133 3,195 SH   SOLE 0 3,195 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF/INTERNATIONAL EQUITY 921943858 21 500 SH   DFND 0 500 0 0
VANGUARD FINANCIALS ETF ETF/EQUITY 92204A405 782 11,325 SH   SOLE 0 11,325 0 0
VANGUARD FINANCIALS ETF ETF/EQUITY 92204A405 197 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 112 642 SH   DFND 0 642 0 0
VANGUARD INDUSTRIALS ETF ETF/EQUITY 92204A603 642 4,400 SH   DFND 0 4,400 0 0
VANGUARD INFORMATION TECHNOLOGY ETF ETF/EQUITY 92204A702 682 3,234 SH   SOLE 0 3,234 0 0
VANGUARD INFORMATION TECHNOLOGY ETF ETF/EQUITY 92204A702 249 1,181 SH   DFND 0 1,181 0 0
VANGUARD UTILITIES ETF ETF/EQUITY 92204A876 167 1,260 SH   SOLE 0 1,260 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 922042858 1,378 32,401 SH   SOLE 0 32,401 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 922042858 156 3,658 SH   DFND 0 3,658 0 0
VANGUARD INTL EQUITY INDEX FMSCI EUROPE ETF ETF/INTERNATIONAL EQUITY 922042874 536 9,755 SH   SOLE 0 9,755 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 29,558 SH   SOLE 0 29,558 0 0
VANGUARD SHORT TERM CORP BOND ETF ETF/FIXED INCOME 92206C409 580 7,185 SH   DFND 0 7,185 0 0
VANGUARD INTERM-TERM GOVT BDETF ETF/FIXED INCOME 92206C706 2,029 30,762 SH   SOLE 0 30,362 0 400
VANGUARD INTERM-TERM GOVT BDETF ETF/FIXED INCOME 92206C706 49 740 SH   DFND 0 740 0 0
VARIAN MEDICAL SYSTEMS INC COMMON STOCK 92220P105 23 166 SH   SOLE 0 166 0 0
VANGUARD S&P 500 ETF ETF/EQUITY 922908363 556 2,067 SH   SOLE 0 2,067 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 39 354 SH   DFND 0 354 0 0
VANGUARD MIDCAP GROWTH ETF ETF/EQUITY 922908538 45 300 SH   SOLE 0 300 0 0
VANGUARD MIDCAP GROWTH ETF ETF/EQUITY 922908538 46 309 SH   DFND 0 309 0 0
VANGUARD REIT ETF ETF/EQUITY 922908553 129 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 164 1,255 SH   SOLE 0 1,255 0 0
VANGUARD MIDCAP ETF ETF/EQUITY 922908629 184 1,098 SH   SOLE 0 1,098 0 0
VANGUARD GROWTH IDX FUND ETF/EQUITY 92290873H 119 729 SH   DFND 0 729 0 0
VANGUARD SMALLCAP ETF ETF/EQUITY 922908751 192 1,225 SH   SOLE 0 1,225 0 0
VANGUARD SMALLCAP ETF ETF/EQUITY 922908751 123 787 SH   DFND 0 787 0 0
VANGUARD TOTAL STOCK MARKET ETF ETF/EQUITY 922908769 9,722 64,776 SH   DFND 0 64,776 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 6,624 115,953 SH   SOLE 0 115,953 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 1,744 30,521 SH   DFND 0 30,521 0 0
VISA INC CLASS A COMMON STOCK 92826C839 1,138 6,558 SH   SOLE 0 6,558 0 0
VISA INC CLASS A COMMON STOCK 92826C839 44 254 SH   DFND 0 254 0 0
WP CAREY INC COMMON STOCK 92936U109 9 108 SH   SOLE 0 108 0 0
WEC ENERGY GROUP INC COMMON STOCK 92939U106 229 2,744 SH   SOLE 0 2,744 0 0
WABTEC CORP COMMON STOCK 929740108 2 23 SH   SOLE 0 23 0 0
WABTEC CORP COMMON STOCK 929740108 1 8 SH   DFND 0 8 0 0
WAL MART STORES INC COMMON STOCK 931142103 3,532 31,971 SH   SOLE 0 31,971 0 0
WAL MART STORES INC COMMON STOCK 931142103 826 7,478 SH   DFND 0 7,478 0 0
WALGREENS BOOTS ALLIANCE INC COMMON STOCK 931427108 288 5,268 SH   SOLE 0 5,268 0 0
WALGREENS BOOTS ALLIANCE INC COMMON STOCK 931427108 18 335 SH   DFND 0 335 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109 54 470 SH   SOLE 0 470 0 0
WELLS FARGO & CO COMMON STOCK 949746101 1,293 27,334 SH   SOLE 0 27,334 0 0
WELLS FARGO & CO COMMON STOCK 949746101 126 2,672 SH   DFND 0 2,672 0 0
WELLTOWER INC COMMON STOCK 95040Q104 16 200 SH   DFND 0 200 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
WISDOMTREE INVESTMENTS INC COMMON STOCK 97717P104 5 865 SH   DFND 0 865 0 0
WISDOMTREE US HIGH DIVIDEND ETF ETF/EQUITY 97717W208 1,636 22,485 SH   SOLE 0 22,485 0 0
WISDOMTREE US HIGH DIVIDEND ETF ETF/EQUITY 97717W208 54 745 SH   DFND 0 745 0 0
WISDOMTREE LARGECAP DIVIDEND ETF ETF/EQUITY 97717W307 81 835 SH   SOLE 0 835 0 0
WISDOMTREE TRUST SMALLCAP DIVID ETF/EQUITY 97717W604 24 900 SH   DFND 0 900 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 79 940 SH   SOLE 0 940 0 0