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 34 331 SH   SOLE 0 331 0 0
ALLERGAN PLC FOREIGN EQUITIES G0177J108 12 73 SH   SOLE 0 73 0 0
AMCOR PLC FOREIGN EQUITIES G0250X107 367 37,689 SH   SOLE 0 37,689 0 0
AMCOR PLC FOREIGN EQUITIES G0250X107 90 9,180 SH   DFND 0 9,180 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 34 408 SH   DFND 0 408 0 0
IHS MARKIT LTD. FOREIGN EQUITIES G47567105 7 107 SH   SOLE 0 107 0 0
INGERSOLL-RAND PLC FOREIGN EQUITIES G47791101 153 1,242 SH   SOLE 0 1,242 0 0
LINDE PLC FOREIGN EQUITIES G5494J103 47 243 SH   SOLE 0 243 0 0
MEDTRONIC PLC FOREIGN EQUITIES G5960L103 785 7,224 SH   SOLE 0 7,224 0 0
MEDTRONIC PLC FOREIGN EQUITIES G5960L103 48 440 SH   DFND 0 440 0 0
ALCON INC FOREIGN EQUITIES H01301128 2 40 SH   SOLE 0 40 0 0
CHUBB LTD FOREIGN EQUITIES H1467J104 1,535 9,508 SH   SOLE 0 9,508 0 0
CHUBB LTD FOREIGN EQUITIES H1467J104 159 982 SH   DFND 0 982 0 0
ABB LTD ADR FOREIGN EQUITIES 000375204 6 300 SH   SOLE 0 300 0 0
AGCO CORP COMMON STOCK 001084102 8 100 SH   SOLE 0 100 0 0
ALPS SECTOR DIV DOGS ETF ETF/EQUITY 00162Q858 11 250 SH   SOLE 0 250 0 0
AT&T INC COMMON STOCK 00206R102 7,511 198,501 SH   SOLE 0 198,151 0 350
AT&T INC COMMON STOCK 00206R102 1,676 44,294 SH   DFND 0 44,294 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100 2,994 35,785 SH   SOLE 0 35,785 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100 354 4,225 SH   DFND 0 4,225 0 0
ABBVIE INC COMMON STOCK 00287Y109 4,211 55,610 SH   SOLE 0 55,477 0 133
ABBVIE INC COMMON STOCK 00287Y109 529 6,990 SH   DFND 0 6,990 0 0
ADOBE INC COMMON STOCK 00724F101 55 200 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 450 2,030 SH   SOLE 0 2,030 0 0
ALBEMARLE CORP COMMON STOCK 012653101 160 2,300 SH   DFND 0 2,300 0 0
ALLSTATE CORP COMMON STOCK 020002101 11 100 SH   SOLE 0 100 0 0
ALLSTATE CORP COMMON STOCK 020002101 50 460 SH   DFND 0 460 0 0
ALPHABET INC CLASS C COMMON STOCK 02079K107 135 111 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 825 676 SH   SOLE 0 676 0 0
ALPHABET INC CLASS A COMMON STOCK 02079K305 134 110 SH   DFND 0 110 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 636 15,556 SH   SOLE 0 15,556 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 48 1,164 SH   DFND 0 1,164 0 0
AMAZON.COM INC COMMON STOCK 023135106 175 101 SH   SOLE 0 101 0 0
AMAZON.COM INC COMMON STOCK 023135106 24 14 SH   DFND 0 14 0 0
AMEREN CORP COMMON STOCK 023608102 200 2,498 SH   SOLE 0 2,498 0 0
AMERICAN ELECTRIC POWER CO COMMON STOCK 025537101 372 3,967 SH   SOLE 0 3,967 0 0
AMERICAN ELECTRIC POWER CO COMMON STOCK 025537101 302 3,219 SH   DFND 0 3,219 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 748 6,324 SH   SOLE 0 6,324 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 30 250 SH   DFND 0 250 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 1,357 7,014 SH   SOLE 0 7,014 0 0
AMGEN INC COMMON STOCK 031162100 489 2,525 SH   DFND 0 2,525 0 0
ANALOG DEVICES INC COMMON STOCK 032654105 13 116 SH   SOLE 0 116 0 0
ANTHEM INC COMMON STOCK 036752103 510 2,125 SH   SOLE 0 2,125 0 0
APERGY CORP COMMON STOCK 03755L104 1 33 SH   SOLE 0 33 0 0
APPLE INC COMMON STOCK 037833100 22,113 98,731 SH   SOLE 0 98,731 0 0
APPLE INC COMMON STOCK 037833100 562 2,510 SH   DFND 0 2,510 0 0
APPLIED DNA SCIENCES INC COMMON STOCK 03815U201 0 25 SH   SOLE 0 25 0 0
APPLIED MATERIALS INC COMMON STOCK 038222105 20 400 SH   SOLE 0 400 0 0
APPLIED MATERIALS INC COMMON STOCK 038222105 11 225 SH   DFND 0 225 0 0
AQUA AMERICA INC COMMON STOCK 03836W103 326 7,280 SH   SOLE 0 7,280 0 0
AQUA AMERICA INC COMMON STOCK 03836W103 46 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 35 1,333 SH   DFND 0 1,333 0 0
ARROW FINANCIAL CORP COMMON STOCK 042744102 220 6,578 SH   SOLE 0 6,578 0 0
ASTRAZENECA PLC ADR FOREIGN EQUITIES 046353108 11 238 SH   SOLE 0 238 0 0
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 2,355 14,591 SH   SOLE 0 14,591 0 0
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 688 4,262 SH   DFND 0 4,262 0 0
AVALONBAY COMMUNITIES INC COMMON STOCK 053484101 22 100 SH   SOLE 0 100 0 0
BB&T CORP COMMON STOCK 054937107 825 15,465 SH   SOLE 0 15,465 0 0
BB&T CORP COMMON STOCK 054937107 85 1,595 SH   DFND 0 1,595 0 0
BCE INC FOREIGN EQUITIES 05534B760 653 13,500 SH   SOLE 0 13,500 0 0
BP PLC ADR FOREIGN EQUITIES 055622104 86 2,260 SH   DFND 0 2,260 0 0
BANK OF AMERICA CORPORATION COMMON STOCK 060505104 159 5,444 SH   SOLE 0 5,444 0 0
BANK OF AMERICA CORPORATION COMMON STOCK 060505104 113 3,874 SH   DFND 0 3,874 0 0
BANK OF HAWAII CORP COMMON STOCK 062540109 9 100 SH   DFND 0 100 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 118 2,611 SH   SOLE 0 2,611 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 1,023 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 216 2,475 SH   SOLE 0 2,475 0 0
BAXTER INTERNATIONAL INC COMMON STOCK 071813109 13 150 SH   DFND 0 150 0 0
BECTON DICKINSON & CO COMMON STOCK 075887109 897 3,546 SH   SOLE 0 3,546 0 0
BECTON DICKINSON & CO COMMON STOCK 075887109 253 1,000 SH   DFND 0 1,000 0 0
BERKSHIRE HATHAWAY INC B COMMON STOCK 084670702 1,229 5,907 SH   SOLE 0 5,907 0 0
BERKSHIRE HATHAWAY INC B COMMON STOCK 084670702 99 475 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 598 12,120 SH   SOLE 0 12,120 0 0
BHP GROUP LTD ADR FOREIGN EQUITIES 088606108 133 2,690 SH   DFND 0 2,690 0 0
BIOGEN INC COMMON STOCK 09062X103 186 800 SH   DFND 0 800 0 0
BLACKROCK INC COMMON STOCK 09247X101 13 30 SH   SOLE 0 30 0 0
BLACKROCK ENHANCED EQT DIV ETF/EQUITY 09251A104 52 5,703 SH   DFND 0 5,703 0 0
BLACKSTONE GROUP INC COMMON STOCK 09260D107 5 100 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 1,386 3,642 SH   SOLE 0 3,642 0 0
BOEING COMPANY COMMON STOCK 097023105 29 75 SH   DFND 0 75 0 0
BOOKING HLDGS INC COMMON STOCK 09857L108 12 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 2,023 39,910 SH   SOLE 0 39,910 0 0
BRISTOL MYERS SQUIBB COMPANY COMMON STOCK 110122108 682 13,459 SH   DFND 0 13,459 0 0
BROOKFIELD ASSET MGMT INC CLASS A FOREIGN EQUITIES 112585104 54 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 1,113 13,132 SH   SOLE 0 13,132 0 0
C H ROBINSON WORLDWIDE INC COMMON STOCK 12541W209 62 735 SH   DFND 0 735 0 0
CIGNA CORP NEW COMMON STOCK 125523100 127 836 SH   SOLE 0 836 0 0
CIGNA CORP NEW COMMON STOCK 125523100 2 14 SH   DFND 0 14 0 0
CSX CORP COMMON STOCK 126408103 44 635 SH   SOLE 0 635 0 0
CSX CORP COMMON STOCK 126408103 485 7,000 SH   DFND 0 7,000 0 0
CVS HEALTH CORP COMMON STOCK 126650100 1,641 26,023 SH   SOLE 0 26,023 0 0
CVS HEALTH CORP COMMON STOCK 126650100 105 1,665 SH   DFND 0 1,665 0 0
CANADIAN PAC RY LTD FOREIGN EQUITIES 13645T100 890 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 1,067 8,449 SH   SOLE 0 8,449 0 0
CATERPILLAR INC COMMON STOCK 149123101 219 1,737 SH   DFND 0 1,737 0 0
CEL SCI CORP COMMON STOCK 150837607 18 2,000 SH   SOLE 0 2,000 0 0
CELGENE CORP COMMON STOCK 151020104 60 600 SH   SOLE 0 600 0 0
CELGENE CORP COMMON STOCK 151020104 15 150 SH   DFND 0 150 0 0
CENTENNIAL RESOURCE DEV INC COMMON STOCK 15136A102 1 200 SH   DFND 0 200 0 0
THE CHEMOURS CO COMMON STOCK 163851108 5 360 SH   DFND 0 360 0 0
CHEVRON CORP COMMON STOCK 166764100 3,249 27,395 SH   SOLE 0 27,395 0 0
CHEVRON CORP COMMON STOCK 166764100 661 5,576 SH   DFND 0 5,576 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 6,213 125,765 SH   SOLE 0 125,765 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 1,531 30,988 SH   DFND 0 30,988 0 0
CITIGROUP INC COMMON STOCK 172967424 52 752 SH   SOLE 0 752 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 6,437 118,258 SH   SOLE 0 118,258 0 0
COCA COLA COMPANY COMMON STOCK 191216100 1,033 18,984 SH   DFND 0 18,984 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 894 12,168 SH   SOLE 0 12,168 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 503 6,836 SH   DFND 0 6,836 0 0
COMCAST CORP CLASS A COMMON STOCK 20030N101 1,870 41,481 SH   SOLE 0 41,481 0 0
COMCAST CORP CLASS A COMMON STOCK 20030N101 190 4,224 SH   DFND 0 4,224 0 0
COMMUNITY BK SYS INC COMMON STOCK 203607106 222 3,600 SH   SOLE 0 3,600 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 1,092 19,170 SH   SOLE 0 19,170 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 296 5,192 SH   DFND 0 5,192 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 490 5,185 SH   SOLE 0 5,185 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 123 1,300 SH   DFND 0 1,300 0 0
CONSTELLATION BRANDS INC CLASS A COMMON STOCK 21036P108 299 1,441 SH   SOLE 0 1,441 0 0
CONSTELLATION BRANDS INC CLASS A COMMON STOCK 21036P108 207 1,000 SH   DFND 0 1,000 0 0
CORNING INC COMMON STOCK 219350105 447 15,690 SH   SOLE 0 15,690 0 0
CORNING INC COMMON STOCK 219350105 34 1,200 SH   DFND 0 1,200 0 0
CORTEVA INC COMMON STOCK 22052L104 572 20,441 SH   SOLE 0 20,441 0 0
CORTEVA INC COMMON STOCK 22052L104 122 4,350 SH   DFND 0 4,350 0 0
COSTCO COMMON STOCK 22160K105 105 365 SH   SOLE 0 365 0 0
COSTCO COMMON STOCK 22160K105 16 55 SH   DFND 0 55 0 0
CRESTWOOD EQUITY PARTNERS LP COMMON STOCK 226344208 1 22 SH   DFND 0 22 0 0
CUMMINS INC COMMON STOCK 231021106 2,244 13,792 SH   SOLE 0 13,792 0 0
CUMMINS INC COMMON STOCK 231021106 501 3,080 SH   DFND 0 3,080 0 0
DTE ENERGY CO COMMON STOCK 233331107 19 142 SH   SOLE 0 142 0 0
DANAHER CORP COMMON STOCK 235851102 42 290 SH   SOLE 0 290 0 0
DARDEN RESTAURANTS INC COMMON STOCK 237194105 148 1,254 SH   SOLE 0 1,254 0 0
DARDEN RESTAURANTS INC COMMON STOCK 237194105 305 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 8 146 SH   SOLE 0 146 0 0
DENTSPLY SIRONA INC COMMON STOCK 24906P109 22 414 SH   SOLE 0 414 0 0
DEVON ENERGY CORP COMMON STOCK 25179M103 2 100 SH   SOLE 0 100 0 0
DIAMONDBACK ENERGY, INC. COMMON STOCK 25278X109 23 257 SH   SOLE 0 257 0 0
WALT DISNEY CO COMMON STOCK 254687106 4,502 34,543 SH   SOLE 0 34,543 0 0
WALT DISNEY CO COMMON STOCK 254687106 275 2,111 SH   DFND 0 2,111 0 0
DISCOVER FINANCIAL SERVICES COMMON STOCK 254709108 13 159 SH   SOLE 0 159 0 0
DOLLAR GENERAL CORP COMMON STOCK 256677105 303 1,907 SH   SOLE 0 1,907 0 0
DOLLAR GENERAL CORP COMMON STOCK 256677105 48 300 SH   DFND 0 300 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109 3,326 41,042 SH   SOLE 0 40,892 0 150
DOMINION ENERGY INC COMMON STOCK 25746U109 1,176 14,506 SH   DFND 0 14,506 0 0
DOVER CORP COMMON STOCK 260003108 7 66 SH   SOLE 0 66 0 0
DOW INC COMMON STOCK 260557103 1,918 40,245 SH   SOLE 0 40,245 0 0
DOW INC COMMON STOCK 260557103 250 5,237 SH   DFND 0 5,237 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204 487 5,079 SH   SOLE 0 5,079 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204 81 840 SH   DFND 0 840 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102 1,728 24,229 SH   SOLE 0 24,229 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102 307 4,311 SH   DFND 0 4,311 0 0
EOG RESOURCES INC COMMON STOCK 26875P101 243 3,275 SH   SOLE 0 3,275 0 0
EOG RESOURCES INC COMMON STOCK 26875P101 6 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 191 964 SH   SOLE 0 964 0 0
EDISON INTL COMMON STOCK 281020107 120 1,597 SH   DFND 0 1,597 0 0
EMERSON ELECTRIC CO COMMON STOCK 291011104 3,030 45,324 SH   SOLE 0 45,324 0 0
EMERSON ELECTRIC CO COMMON STOCK 291011104 365 5,466 SH   DFND 0 5,466 0 0
ENBRIDGE INC FOREIGN EQUITIES 29250N105 336 9,567 SH   SOLE 0 9,567 0 0
ENERGY TRANSFER EQUITY LP COMMON STOCK 29273V100 17 1,282 SH   DFND 0 1,282 0 0
ENTERPRISE PRODS PARTNERS LP COMMON STOCK 293792107 103 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 1,871 38,735 SH   SOLE 0 38,735 0 0
EXELON CORP COMMON STOCK 30161N101 383 7,925 SH   DFND 0 7,925 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102 6,546 92,709 SH   SOLE 0 92,609 0 100
EXXON MOBIL CORP COMMON STOCK 30231G102 2,097 29,699 SH   DFND 0 29,699 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 41 230 SH   SOLE 0 230 0 0
FACEBOOK INC CLASS A COMMON STOCK 30303M102 22 125 SH   DFND 0 125 0 0
FASTENAL CO COMMON STOCK 311900104 201 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 43 295 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 519 12,940 SH   SOLE 0 12,840 0 100
FIRST TRUST NASDAQ TECH DIV ETF/EQUITY 33738R118 4 105 SH   DFND 0 105 0 0
FORD MOTOR COMPANY COMMON STOCK 345370860 4 490 SH   SOLE 0 490 0 0
FORD MOTOR COMPANY COMMON STOCK 345370860 16 1,715 SH   DFND 0 1,715 0 0
FORTUNE BRANDS HOME & SEC COMMON STOCK 34964C106 11 200 SH   SOLE 0 200 0 0
FRANCO NEVADA CORP FOREIGN EQUITIES 351858105 12 132 SH   DFND 0 132 0 0
FRESENIUS MEDICAL CARE AG & CO KGAA FOREIGN EQUITIES 358029106 3 100 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 47 2,700 SH   SOLE 0 2,700 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 630 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 468 52,306 SH   SOLE 0 52,306 0 0
GENERAL ELECTRIC CO COMMON STOCK 369604103 64 7,130 SH   DFND 0 7,130 0 0
GENERAL MILLS INC COMMON STOCK 370334104 1,673 30,358 SH   SOLE 0 30,358 0 0
GENERAL MILLS INC COMMON STOCK 370334104 482 8,750 SH   DFND 0 8,750 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 641 10,117 SH   SOLE 0 10,117 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 44 700 SH   DFND 0 700 0 0
GLOBAL X ROBOTICS & AI ETF ETF/INTERNATIONAL EQUITY 37954Y715 1,255 62,685 SH   SOLE 0 62,550 0 135
GLOBAL X ROBOTICS & AI ETF ETF/INTERNATIONAL EQUITY 37954Y715 2 100 SH   DFND 0 100 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 11 400 SH   SOLE 0 400 0 0
HSBC HLDGS PLC ADR A 1/40PF A PREFERRED STOCK 404280604 53 2,000 SH   DFND 0 2,000 0 0
HARLEY DAVIDSON INC COMMON STOCK 412822108 7 200 SH   SOLE 0 200 0 0
HERSHEY CO COMMON STOCK 427866108 201 1,300 SH   SOLE 0 1,300 0 0
HERSHEY CO COMMON STOCK 427866108 155 1,000 SH   DFND 0 1,000 0 0
HOME DEPOT INC COMMON STOCK 437076102 1,790 7,717 SH   SOLE 0 7,717 0 0
HOME DEPOT INC COMMON STOCK 437076102 380 1,636 SH   DFND 0 1,636 0 0
HONEYWELL INTL INC COMMON STOCK 438516106 623 3,685 SH   SOLE 0 3,685 0 0
HONEYWELL INTL INC COMMON STOCK 438516106 27 159 SH   DFND 0 159 0 0
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109 3,234 20,664 SH   SOLE 0 20,664 0 0
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109 578 3,693 SH   DFND 0 3,693 0 0
IMPERIAL OIL LTD FOREIGN EQUITIES 453038408 286 11,000 SH   SOLE 0 11,000 0 0
INFINITY PHARMACEUTICALS INC COMMON STOCK 45665G303 24 24,000 SH   SOLE 0 24,000 0 0
INFUSYSTEMS HOLDINGS INC COMMON STOCK 45685K102 16 3,000 SH   SOLE 0 3,000 0 0
INTEL CORP COMMON STOCK 458140100 6,724 130,515 SH   SOLE 0 130,300 0 215
INTEL CORP COMMON STOCK 458140100 1,351 26,214 SH   DFND 0 26,214 0 0
INTL BUSINESS MACHINES CORP COMMON STOCK 459200101 6,804 46,789 SH   SOLE 0 46,789 0 0
INTL BUSINESS MACHINES CORP COMMON STOCK 459200101 11,390 78,322 SH   DFND 0 78,322 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 839 16,650 SH   SOLE 0 16,400 0 250
INVESCO ACTIVELY MANAGD ETF ULTRA SHRT DUR ETF/FIXED INCOME 46090A887 8 150 SH   DFND 0 150 0 0
INVESCO QQQ TRUST ETF/EQUITY 46090E103 104 550 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 501 9,730 SH   SOLE 0 9,650 0 80
INVESCO KBW BANK ETF ETF/EQUITY 46138E628 3 50 SH   DFND 0 50 0 0
INVESCO VARIABLE RATE PFD ETF/EQUITY 46138G870 2,160 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 15 100 SH   SOLE 0 100 0 0
IRIDIUM COMMUNICATIONS INC COMMON STOCK 46269C102 4 200 SH   DFND 0 200 0 0
ISHARES SILVER TRUST ETF/OTHER 46428Q109 12 750 SH   SOLE 0 750 0 0
ISHARES SILVER TRUST ETF/OTHER 46428Q109 30 1,872 SH   DFND 0 1,872 0 0
ISHARES GOLD TRUST ETF/OTHER 464285105 5,997 425,323 SH   SOLE 0 425,023 0 300
ISHARES GOLD TRUST ETF/OTHER 464285105 6 450 SH   DFND 0 450 0 0
ISHARES MSCI CANADA ETF ETF/INTERNATIONAL EQUITY 464286509 244 8,459 SH   SOLE 0 8,459 0 0
ISHARES MSCI MIN VOL EMERGE MARKETS ETF ETF/INTERNATIONAL EQUITY 464286533 3,991 69,915 SH   SOLE 0 69,790 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 98 958 SH   SOLE 0 958 0 0
ISHARES TIPS BOND ETF ETF/FIXED INCOME 464287176 493 4,236 SH   SOLE 0 4,236 0 0
ISHARES TIPS BOND ETF ETF/FIXED INCOME 464287176 49 425 SH   DFND 0 425 0 0
ISHARES CORE S&P 500 ETF ETF/EQUITY 464287200 24,088 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 264 6,460 SH   SOLE 0 6,460 0 0
ISHARES IBOXX $ INVMT GRADE CORP BOND ETF ETF/FIXED INCOME 464287242 168 1,321 SH   SOLE 0 1,321 0 0
ISHARES IBOXX $ INVMT GRADE CORP BOND ETF ETF/FIXED INCOME 464287242 54 425 SH   DFND 0 425 0 0
ISHARES S&P 500 GROWTH ETF ETF/EQUITY 464287309 636 3,535 SH   SOLE 0 3,535 0 0
ISHARES S&P 500 GROWTH ETF ETF/EQUITY 464287309 11 60 SH   DFND 0 60 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 625 5,250 SH   SOLE 0 5,250 0 0
ISHARES S&P 500 VALUE ETF ETF/EQUITY 464287408 11 95 SH   DFND 0 95 0 0
ISHARES TR BARCLYS 7-10 YR ETF/FIXED INCOME 464287440 1,117 9,930 SH   SOLE 0 9,790 0 140
ISHARES TR BARCLYS 7-10 YR ETF/FIXED INCOME 464287440 11 100 SH   DFND 0 100 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 1,584 24,289 SH   SOLE 0 24,289 0 0
ISHARES MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 464287465 1,170 17,942 SH   DFND 0 17,942 0 0
ISHARES RUSSELL MIDCAP VALUE ETF/EQUITY 464287473 3,711 41,374 SH   SOLE 0 41,374 0 0
ISHARES RUSSELL MIDCAP VALUE ETF/EQUITY 464287473 182 2,025 SH   DFND 0 2,025 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 7,031 36,385 SH   SOLE 0 36,360 0 25
ISHARES CORE S&P MIDCAP ETF ETF/EQUITY 464287507 53 275 SH   DFND 0 275 0 0
ISHARES NASDAQ BIOTECHNOLOGYETF ETF/EQUITY 464287556 49 495 SH   SOLE 0 495 0 0
ISHARES RUSSELL 1000 VALUE ETF ETF/EQUITY 464287598 2,924 22,799 SH   SOLE 0 22,689 0 110
ISHARES RUSSELL 1000 VALUE ETF ETF/EQUITY 464287598 1,691 13,185 SH   DFND 0 13,185 0 0
ISHARES S&P MIDCAP 400 GROWTH ETF ETF/EQUITY 464287606 413 1,845 SH   SOLE 0 1,845 0 0
ISHARES S&P MIDCAP 400 GROWTH ETF ETF/EQUITY 464287606 40 180 SH   DFND 0 180 0 0
ISHARES RUSSELL 1000 GROWTH ETF ETF/EQUITY 464287614 3,948 24,730 SH   SOLE 0 24,635 0 95
ISHARES RUSSELL 1000 GROWTH ETF ETF/EQUITY 464287614 2,503 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 27 141 SH   DFND 0 141 0 0
ISHARES RUSSELL 2000 ETF ETF/EQUITY 464287655 481 3,177 SH   SOLE 0 3,177 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 7,292 93,677 SH   SOLE 0 93,617 0 60
ISHARES CORE S&P SMALLCAP ETF ETF/EQUITY 464287804 2,149 27,603 SH   DFND 0 27,603 0 0
ISHARES MSCI ACWI EX US ETF ETF/INTERNATIONAL EQUITY 464288240 276 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 214 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 77 1,324 SH   SOLE 0 1,324 0 0
ISHARES INTERMEDIATE CREDIT BOND ETF ETF/FIXED INCOME 464288638 79 1,370 SH   DFND 0 1,370 0 0
ISHARES SHORT TERM CORP BOND ETF/FIXED INCOME 464288646 426 7,943 SH   SOLE 0 7,943 0 0
ISHARES SHORT TERM CORP BOND ETF/FIXED INCOME 464288646 256 4,778 SH   DFND 0 4,778 0 0
ISHARES US PREFERRED STOCK ETF/OTHER 464288687 320 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 2,436 47,800 SH   SOLE 0 47,800 0 0
ISHARES CORE HIGH DIVIDEND ETF ETF/EQUITY 46429B663 84 890 SH   SOLE 0 890 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 8,790 119,949 SH   SOLE 0 119,749 0 200
ISHARES EDGE MSCI MIN VOL EAFE ETF ETF/INTERNATIONAL EQUITY 46429B689 27 374 SH   DFND 0 374 0 0
ISHARES EDGE MSCI MIN VOL USA ETF ETF/EQUITY 46429B697 20,488 319,629 SH   SOLE 0 319,309 0 320
ISHARES EDGE MSCI MIN VOL USA ETF ETF/EQUITY 46429B697 11 175 SH   DFND 0 175 0 0
ISHARES CORE MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 46432F842 19,999 327,538 SH   SOLE 0 327,318 0 220
ISHARES CORE MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 46432F842 200 3,271 SH   DFND 0 3,271 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 46434G103 4,734 96,581 SH   SOLE 0 96,456 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 610 18,750 SH   SOLE 0 18,750 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 2,604 75,879 SH   SOLE 0 75,794 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 5,300 SH   SOLE 0 5,300 0 0
JPMORGAN CHASE & CO COMMON STOCK 46625H100 5,743 48,800 SH   SOLE 0 48,800 0 0
JPMORGAN CHASE & CO COMMON STOCK 46625H100 622 5,281 SH   DFND 0 5,281 0 0
JABIL CIRCUIT INC. COMMON STOCK 466313103 7 200 SH   SOLE 0 200 0 0
JPMORGAN DIVERSIFIED RETURN US EQ ETF ETF/EQUITY 46641Q407 7,585 99,905 SH   SOLE 0 99,805 0 100
JPMORGAN DIVERSIFIED RETURN US EQ ETF ETF/EQUITY 46641Q407 6 85 SH   DFND 0 85 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 7,471 57,744 SH   SOLE 0 57,669 0 75
JOHNSON & JOHNSON COMMON STOCK 478160104 2,211 17,088 SH   DFND 0 17,088 0 0
KEYCORP COMMON STOCK 493267108 35 1,957 SH   SOLE 0 1,957 0 0
KEYCORP COMMON STOCK 493267108 9 500 SH   DFND 0 500 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 191 1,344 SH   SOLE 0 1,344 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 663 4,665 SH   DFND 0 4,665 0 0
KINDER MORGAN INC COMMON STOCK 49456B101 17 834 SH   SOLE 0 834 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 53 1,899 SH   SOLE 0 1,899 0 0
KRAFT HEINZ COMPANY COMMON STOCK 500754106 9 330 SH   DFND 0 330 0 0
KROGER COMPANY COMMON STOCK 501044101 10 370 SH   SOLE 0 370 0 0
L3HARRIS TECHNOLOGIES INC COMMON STOCK 502431109 6 30 SH   DFND 0 30 0 0
ELI LILLY AND COMPANY COMMON STOCK 532457108 233 2,088 SH   SOLE 0 2,088 0 0
ELI LILLY AND COMPANY COMMON STOCK 532457108 203 1,816 SH   DFND 0 1,816 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 195 500 SH   SOLE 0 500 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 148 380 SH   DFND 0 380 0 0
LOEWS CORP COMMON STOCK 540424108 67 1,300 SH   DFND 0 1,300 0 0
LOWES COMPANIES INC COMMON STOCK 548661107 1,615 14,686 SH   SOLE 0 14,686 0 0
LOWES COMPANIES INC COMMON STOCK 548661107 50 459 SH   DFND 0 459 0 0
M & T BANK CORP COMMON STOCK 55261F104 204 1,293 SH   SOLE 0 1,293 0 0
M & T BANK CORP COMMON STOCK 55261F104 1,275 8,068 SH   DFND 0 8,068 0 0
MAGNA INTERNATIONAL INC FOREIGN EQUITIES 559222401 38 720 SH   SOLE 0 720 0 0
MANULIFE FINL CORP FOREIGN EQUITIES 56501R106 275 15,000 SH   SOLE 0 15,000 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 3 25 SH   SOLE 0 25 0 0
MASTERCARD INC CLASS A COMMON STOCK 57636Q104 144 530 SH   SOLE 0 530 0 0
MCDONALDS CORP COMMON STOCK 580135101 2,330 10,852 SH   SOLE 0 10,852 0 0
MCDONALDS CORP COMMON STOCK 580135101 476 2,215 SH   DFND 0 2,215 0 0
MCKESSON CORP COMMON STOCK 58155Q103 36 266 SH   SOLE 0 266 0 0
MCKESSON CORP COMMON STOCK 58155Q103 273 2,000 SH   DFND 0 2,000 0 0
MEDICAL PPTYS TRUST INC COMMON STOCK 58463J304 4 200 SH   DFND 0 200 0 0
MERCK & COMPANY INC COMMON STOCK 58933Y105 7,335 87,134 SH   SOLE 0 87,134 0 0
MERCK & COMPANY INC COMMON STOCK 58933Y105 1,506 17,888 SH   DFND 0 17,888 0 0
METLIFE INC COMMON STOCK 59156R108 4 85 SH   SOLE 0 85 0 0
MICROSOFT CORP COMMON STOCK 594918104 9,749 70,122 SH   SOLE 0 70,122 0 0
MICROSOFT CORP COMMON STOCK 594918104 1,460 10,500 SH   DFND 0 10,500 0 0
MILLER INDUSTRIES INC COMMON STOCK 600551204 35 1,054 SH   SOLE 0 1,054 0 0
MONDELEZ INTL INC CL A COMMON STOCK 609207105 148 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 286 6,704 SH   SOLE 0 6,704 0 0
MOTOROLA SOLUTIONS INC COMMON STOCK 620076307 21 125 SH   SOLE 0 125 0 0
NBT BANCORP INC COMMON STOCK 628778102 828 22,636 SH   SOLE 0 22,636 0 0
NBT BANCORP INC COMMON STOCK 628778102 1,242 33,935 SH   DFND 0 33,935 0 0
NATIONAL FUEL GAS COMPANY COMMON STOCK 636180101 47 1,000 SH   SOLE 0 1,000 0 0
NATIONAL FUEL GAS COMPANY COMMON STOCK 636180101 149 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
NAVISTAR INTERNATIONAL CORP COMMON STOCK 63934E108 0 1 SH   SOLE 0 1 0 0
NEW YORK CMNTY BANCORP INC COMMON STOCK 649445103 5 400 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 2,148 9,219 SH   SOLE 0 9,219 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 1,088 4,670 SH   DFND 0 4,670 0 0
NIKE INC CLASS B COMMON STOCK 654106103 2,109 22,459 SH   SOLE 0 22,459 0 0
NIKE INC CLASS B COMMON STOCK 654106103 156 1,666 SH   DFND 0 1,666 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 1,324 7,370 SH   SOLE 0 7,370 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 18 100 SH   DFND 0 100 0 0
NORTHROP GRUMMAN CORP COMMON STOCK 666807102 159 425 SH   SOLE 0 425 0 0
NORTH WEST BANCSHARES INC COMMON STOCK 667340103 18 1,125 SH   SOLE 0 1,125 0 0
NORWOOD FINANCIAL CORP COMMON STOCK 669549107 247 7,825 SH   SOLE 0 7,825 0 0
NOVARTIS AG ADR FOREIGN EQUITIES 66987V109 859 9,888 SH   SOLE 0 9,888 0 0
NOVARTIS AG ADR FOREIGN EQUITIES 66987V109 304 3,500 SH   DFND 0 3,500 0 0
NUCOR CORP COMMON STOCK 670346105 2,176 42,760 SH   SOLE 0 42,760 0 0
NUCOR CORP COMMON STOCK 670346105 455 8,932 SH   DFND 0 8,932 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 399 7,990 SH   SOLE 0 7,990 0 0
NUTRIEN LTD FOREIGN EQUITIES 67077M108 16 324 SH   DFND 0 324 0 0
OCCIDENTAL PETROLEUM CORP COMMON STOCK 674599105 9 200 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 1,839 23,489 SH   SOLE 0 23,489 0 0
OMNICOM GROUP INC COMMON STOCK 681919106 115 1,470 SH   DFND 0 1,470 0 0
OMEGA HEALTHCARE INV INC COMMON STOCK 681936100 25 600 SH   SOLE 0 600 0 0
ONEOK INC COMMON STOCK 682680103 29 394 SH   SOLE 0 394 0 0
ORACLE CORP COMMON STOCK 68389X105 428 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 1,326 9,458 SH   SOLE 0 9,458 0 0
PNC FINL SVCS GROUP INC COMMON STOCK 693475105 8 55 SH   DFND 0 55 0 0
PPG INDUSTRIES INC COMMON STOCK 693506107 371 3,127 SH   SOLE 0 3,127 0 0
PPG INDUSTRIES INC COMMON STOCK 693506107 32 270 SH   DFND 0 270 0 0
PPL CORP COMMON STOCK 69351T106 788 25,023 SH   SOLE 0 24,673 0 350
PPL CORP COMMON STOCK 69351T106 65 2,050 SH   DFND 0 2,050 0 0
PALO ALTO NETWORKS INC COMMON STOCK 697435105 24 120 SH   SOLE 0 120 0 0
PAYCHEX INC COMMON STOCK 704326107 33 395 SH   DFND 0 395 0 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103 30 290 SH   SOLE 0 290 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 86 5,476 SH   SOLE 0 5,476 0 0
PEPSICO INC COMMON STOCK 713448108 6,481 47,275 SH   SOLE 0 47,275 0 0
PEPSICO INC COMMON STOCK 713448108 1,226 8,943 SH   DFND 0 8,943 0 0
PFIZER INC COMMON STOCK 717081103 4,156 115,664 SH   SOLE 0 115,664 0 0
PFIZER INC COMMON STOCK 717081103 1,159 32,262 SH   DFND 0 32,262 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109 588 7,749 SH   SOLE 0 7,749 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109 50 660 SH   DFND 0 660 0 0
PHILLIPS 66 COMMON STOCK 718546104 460 4,492 SH   SOLE 0 4,492 0 0
PHILLIPS 66 COMMON STOCK 718546104 348 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 37 1,125 SH   SOLE 0 1,125 0 0
PINNACLE WEST CPTLCORP COMMON STOCK 723484101 318 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 6,898 55,458 SH   SOLE 0 55,363 0 95
PROCTER & GAMBLE CO COMMON STOCK 742718109 1,082 8,698 SH   DFND 0 8,698 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102 192 2,138 SH   SOLE 0 2,138 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102 5 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 4,280 68,943 SH   SOLE 0 68,943 0 0
PUBLIC SVC ENTERPRISE GROUP COMMON STOCK 744573106 1,262 20,334 SH   DFND 0 20,334 0 0
QUALCOMM INC COMMON STOCK 747525103 552 7,241 SH   SOLE 0 7,241 0 0
QUALCOMM INC COMMON STOCK 747525103 161 2,110 SH   DFND 0 2,110 0 0
QUEST DIAGNOSTICS INC COMMON STOCK 74834L100 11 105 SH   DFND 0 105 0 0
RAYTHEON CO COMMON STOCK 755111507 153 780 SH   SOLE 0 780 0 0
RAYTHEON CO COMMON STOCK 755111507 81 415 SH   DFND 0 415 0 0
REALTY INCOME CORP COMMON STOCK 756109104 73 956 SH   SOLE 0 956 0 0
RIO TINTO PLC ADR FOREIGN EQUITIES 767204100 239 4,579 SH   SOLE 0 4,579 0 0
RIO TINTO PLC ADR FOREIGN EQUITIES 767204100 8 150 SH   DFND 0 150 0 0
ROCKWELL AUTOMATION INC COMMON STOCK 773903109 89 542 SH   SOLE 0 542 0 0
ROCKWELL AUTOMATION INC COMMON STOCK 773903109 29 175 SH   DFND 0 175 0 0
ROYAL BANK OF CANADA FOREIGN EQUITIES 780087102 1,649 20,315 SH   SOLE 0 20,315 0 0
ROYAL BANK OF CANADA FOREIGN EQUITIES 780087102 101 1,250 SH   DFND 0 1,250 0 0
ROYAL DUTCH SHELL PLC CL A FOREIGN EQUITIES 780259206 412 7,005 SH   SOLE 0 7,005 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 8 63 SH   DFND 0 63 0 0
S&P GLOBAL INC COMMON STOCK 78409V104 245 1,000 SH   DFND 0 1,000 0 0
SPDR S&P 500 ETF ETF/EQUITY 78462F103 6,210 20,925 SH   SOLE 0 20,925 0 0
SPDR S&P 500 ETF ETF/EQUITY 78462F103 787 2,651 SH   DFND 0 2,651 0 0
SPDR GOLD SHARES ETF/OTHER 78463V107 574 4,132 SH   SOLE 0 4,132 0 0
SPDR GOLD SHARES ETF/OTHER 78463V107 599 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 1,231 31,650 SH   SOLE 0 31,650 0 0
SPDR PORTFOLIO S&P 500 VALUE ETF/EQUITY 78464A508 1,276 39,925 SH   SOLE 0 39,925 0 0
SPDR SERIES TRUST PORTFLI INTRMDIT ETF/FIXED INCOME 78464A672 363 11,610 SH   SOLE 0 11,610 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 8 80 SH   SOLE 0 80 0 0
SPDR BLACKSTONE/GSO SENIOR LOAN ETF ETF/FIXED INCOME 78467V608 1,034 22,337 SH   SOLE 0 22,149 0 188
SPDR BLACKSTONE/GSO SENIOR LOAN ETF ETF/FIXED INCOME 78467V608 35 760 SH   DFND 0 760 0 0
SPDR DOUBLELINE TOTAL RETURNTACT ETF ETF/FIXED INCOME 78467V848 5,303 107,750 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 4,888 13,869 SH   SOLE 0 13,869 0 0
SPDR S&P MIDCAP 400 ETF ETF/EQUITY 78467Y107 2,133 6,053 SH   DFND 0 6,053 0 0
SPDR BB INV GRADE FLT RATE ETF/OTHER 78468R200 47 1,515 SH   SOLE 0 1,515 0 0
SPDR BBBC HIGH YIELD BD ETF ETF/FIXED INCOME 78468R622 45 418 SH   SOLE 0 418 0 0
SPDR 1-3 MO TBILL ETF ETF/FIXED INCOME 78468R663 4,206 45,924 SH   SOLE 0 45,864 0 60
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 32 625 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 584 17,104 SH   SOLE 0 17,104 0 0
SCHLUMBERGER LTD FOREIGN EQUITIES 806857108 15 448 SH   DFND 0 448 0 0
SCHWAB US SMALL CAP ETF ETF/EQUITY 808524607 2,144 30,746 SH   SOLE 0 30,746 0 0
SCHWAB US SMALL CAP ETF ETF/EQUITY 808524607 129 1,847 SH   DFND 0 1,847 0 0
MATERIALS SELECT SECTOR SPDRETF ETF/EQUITY 81369Y100 3 45 SH   SOLE 0 45 0 0
MATERIALS SELECT SECTOR SPDRETF ETF/EQUITY 81369Y100 566 9,725 SH   DFND 0 9,725 0 0
HEALTH CARE SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y209 61 675 SH   SOLE 0 675 0 0
CONSUMER STAPLES SECTOR SPDR ETF/EQUITY 81369Y308 37 600 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 250 4,225 SH   SOLE 0 4,225 0 0
ENERGY SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y506 18 300 SH   DFND 0 300 0 0
SPDR FINANCIAL SELECT SECTOR ETF/EQUITY 81369Y605 17 600 SH   SOLE 0 600 0 0
TECHNOLOGY SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y803 111 1,375 SH   SOLE 0 1,375 0 0
TECHNOLOGY SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y803 551 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 112 1,737 SH   SOLE 0 1,737 0 0
SEMPRA ENERGY COMMON STOCK 816851109 584 3,955 SH   SOLE 0 3,955 0 0
SEMPRA ENERGY COMMON STOCK 816851109 162 1,100 SH   DFND 0 1,100 0 0
SMITH & NEPHEW PLC ADR FOREIGN EQUITIES 83175M205 8 176 SH   SOLE 0 176 0 0
SONOCO PRODUCTS CO COMMON STOCK 835495102 29 500 SH   SOLE 0 500 0 0
SONY CORP ADR FOREIGN EQUITIES 835699307 7 120 SH   SOLE 0 120 0 0
SOUTHERN COMPANY COMMON STOCK 842587107 475 7,682 SH   SOLE 0 7,682 0 0
SOUTHERN COMPANY COMMON STOCK 842587107 66 1,075 SH   DFND 0 1,075 0 0
SOUTHERN COPPER CORP COMMON STOCK 84265V105 10 303 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 554 6,263 SH   SOLE 0 6,263 0 0
STARBUCKS CORP COMMON STOCK 855244109 37 420 SH   DFND 0 420 0 0
STATE STREET CORP COMMON STOCK 857477103 136 2,301 SH   SOLE 0 2,301 0 0
STATE STREET CORP COMMON STOCK 857477103 47 800 SH   DFND 0 800 0 0
STRYKER CORP COMMON STOCK 863667101 1,486 6,871 SH   SOLE 0 6,871 0 0
STRYKER CORP COMMON STOCK 863667101 17 79 SH   DFND 0 79 0 0
SUBURBAN PROPANE PARTNERS LP COMMON STOCK 864482104 2 100 SH   SOLE 0 100 0 0
SUBURBAN PROPANE PARTNERS LP COMMON STOCK 864482104 0 10 SH   DFND 0 10 0 0
SUN COMMUNITIES INC COMMON STOCK 866674104 45 301 SH   SOLE 0 301 0 0
SUN LIFE FINL INC COM FOREIGN EQUITIES 866796105 538 12,000 SH   SOLE 0 12,000 0 0
SUNCOKE ENERGY INC COMMON STOCK 86722A103 1 218 SH   DFND 0 218 0 0
SUNCOR ENERGY INC FOREIGN EQUITIES 867224107 79 2,500 SH   DFND 0 2,500 0 0
SUNTRUST BANKS INC COMMON STOCK 867914103 41 600 SH   SOLE 0 600 0 0
SYSCO CORP COMMON STOCK 871829107 1,862 23,450 SH   SOLE 0 23,450 0 0
SYSCO CORP COMMON STOCK 871829107 834 10,500 SH   DFND 0 10,500 0 0
TJX COMPANIES COMMON STOCK 872540109 122 2,184 SH   SOLE 0 2,184 0 0
TJX COMPANIES COMMON STOCK 872540109 9 170 SH   DFND 0 170 0 0
TARGET CORP COMMON STOCK 87612E106 472 4,415 SH   SOLE 0 4,415 0 0
TARGET CORP COMMON STOCK 87612E106 34 317 SH   DFND 0 317 0 0
TC ENERGY CORP COM FOREIGN EQUITIES 87807B107 818 15,800 SH   SOLE 0 15,800 0 0
TELEDYNE TECHNOLOGIES INC COMMON STOCK 879360105 60 187 SH   DFND 0 187 0 0
TENARIS SA ADR FOREIGN EQUITIES 88031M109 21 1,000 SH   SOLE 0 1,000 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 2,524 19,530 SH   SOLE 0 19,530 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 344 2,665 SH   DFND 0 2,665 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 268 919 SH   SOLE 0 919 0 0
THOMSON REUTERS CORP FOREIGN EQUITIES 884903709 461 6,900 SH   SOLE 0 6,900 0 0
3M COMPANY COMMON STOCK 88579Y101 3,529 21,467 SH   SOLE 0 21,467 0 0
3M COMPANY COMMON STOCK 88579Y101 488 2,971 SH   DFND 0 2,971 0 0
TOMPKINS FINANCIAL CORP COMMON STOCK 890110109 313 3,852 SH   SOLE 0 3,852 0 0
TORONTO DOMINION BANK FOREIGN EQUITIES 891160509 798 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 81 1,556 SH   SOLE 0 1,556 0 0
TOYOTA MOTOR CORP FOREIGN EQUITIES 892331307 27 200 SH   SOLE 0 200 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109 595 4,005 SH   SOLE 0 4,005 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 2,837 51,258 SH   SOLE 0 51,258 0 0
US BANCORP COMMON STOCK 902973304 242 4,365 SH   DFND 0 4,365 0 0
UNION PACIFIC CORP COMMON STOCK 907818108 552 3,406 SH   SOLE 0 3,406 0 0
UNION PACIFIC CORP COMMON STOCK 907818108 178 1,100 SH   DFND 0 1,100 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 1,859 15,516 SH   SOLE 0 15,516 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 169 1,411 SH   DFND 0 1,411 0 0
UNITED STATES STEEL CORP COMMON STOCK 912909108 0 35 SH   DFND 0 35 0 0
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 3,620 26,518 SH   SOLE 0 26,518 0 0
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 720 5,274 SH   DFND 0 5,274 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 1,573 7,237 SH   SOLE 0 7,237 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 116 535 SH   DFND 0 535 0 0
UNITI GROUP INC COMMON STOCK 91325V108 2 200 SH   DFND 0 200 0 0
VF CORP COMMON STOCK 918204108 1,302 14,636 SH   SOLE 0 14,636 0 0
VF CORP COMMON STOCK 918204108 44 492 SH   DFND 0 492 0 0
VALERO ENERGY CORP COMMON STOCK 91913Y100 17 200 SH   SOLE 0 200 0 0
VALLEY NATL BANCORP COMMON STOCK 919794107 167 15,356 SH   SOLE 0 15,356 0 0
VANECK VECTORS GOLD MINERS ETF ETF/INTERNATIONAL EQUITY 92189F106 534 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 JPM EM LC BD ETF ETF/INTERNATIONAL FIXED INCOME 92189H300 891 26,985 SH   SOLE 0 26,825 0 160
VANECK VECTORS JPM EM LC BD ETF ETF/INTERNATIONAL FIXED INCOME 92189H300 7 200 SH   DFND 0 200 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 947 7,917 SH   SOLE 0 7,917 0 0
VANGUARD DIVIDEND APPRECIATION ETF ETF/EQUITY 921908844 828 6,928 SH   DFND 0 6,928 0 0
VANGUARD TOTAL INTL STOCK ETF ETF/INTERNATIONAL EQUITY 921909768 150 2,910 SH   SOLE 0 2,910 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 146 1,660 SH   SOLE 0 1,660 0 0
VANGUARD SHORT TERM BOND ETF ETF/FIXED INCOME 921937827 903 11,172 SH   SOLE 0 10,852 0 320
VANGUARD SHORT TERM BOND ETF ETF/FIXED INCOME 921937827 159 1,972 SH   DFND 0 1,972 0 0
VANGUARD TOTAL BOND MRKT ETF ETF/FIXED INCOME 921937835 986 11,680 SH   SOLE 0 11,680 0 0
VANGUARD TOTAL BOND MRKT ETF ETF/FIXED INCOME 921937835 132 1,564 SH   DFND 0 1,564 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 674 9,625 SH   SOLE 0 9,625 0 0
VANGUARD FINANCIALS ETF ETF/EQUITY 92204A405 200 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 290 1,732 SH   DFND 0 1,732 0 0
VANGUARD INDUSTRIALS ETF ETF/EQUITY 92204A603 643 4,400 SH   DFND 0 4,400 0 0
VANGUARD INFORMATION TECHNOLOGY ETF ETF/EQUITY 92204A702 697 3,234 SH   SOLE 0 3,234 0 0
VANGUARD INFORMATION TECHNOLOGY ETF ETF/EQUITY 92204A702 689 3,197 SH   DFND 0 3,197 0 0
VANGUARD UTILITIES ETF ETF/EQUITY 92204A876 181 1,260 SH   SOLE 0 1,260 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 922042858 1,194 29,671 SH   SOLE 0 29,671 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 922042858 147 3,658 SH   DFND 0 3,658 0 0
VANGUARD INTL EQUITY INDEX FMSCI EUROPE ETF ETF/INTERNATIONAL EQUITY 922042874 523 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 2,345 28,933 SH   SOLE 0 28,933 0 0
VANGUARD SHORT TERM CORP BOND ETF ETF/FIXED INCOME 92206C409 582 7,185 SH   DFND 0 7,185 0 0
VANGUARD INTERM-TERM GOVT BDETF ETF/FIXED INCOME 92206C706 1,855 27,817 SH   SOLE 0 27,417 0 400
VANGUARD INTERM-TERM GOVT BDETF ETF/FIXED INCOME 92206C706 42 625 SH   DFND 0 625 0 0
VARIAN MEDICAL SYSTEMS INC COMMON STOCK 92220P105 20 166 SH   SOLE 0 166 0 0
VANGUARD S&P 500 ETF ETF/EQUITY 922908363 573 2,103 SH   SOLE 0 2,103 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 40 354 SH   DFND 0 354 0 0
VANGUARD MIDCAP GROWTH ETF ETF/EQUITY 922908538 44 300 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 122 1,304 SH   SOLE 0 1,304 0 0
VANGUARD SMALLCAP GROWTH ETF ETF/EQUITY 922908595 16 88 SH   SOLE 0 88 0 0
VANGUARD SMALLCAP VALUE ETF ETF/EQUITY 922908611 52 400 SH   SOLE 0 400 0 0
VANGUARD MIDCAP ETF ETF/EQUITY 922908629 184 1,098 SH   SOLE 0 1,098 0 0
VANGUARD INDEX FDS GROWTH ETF ETF/EQUITY 922908736 121 729 SH   DFND 0 729 0 0
VANGUARD SMALLCAP ETF ETF/EQUITY 922908751 196 1,275 SH   SOLE 0 1,275 0 0
VANGUARD SMALLCAP ETF ETF/EQUITY 922908751 121 787 SH   DFND 0 787 0 0
VANGUARD TOTAL STOCK MARKET ETF ETF/EQUITY 922908769 9,781 64,772 SH   DFND 0 64,772 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 7,429 123,082 SH   SOLE 0 123,082 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 1,882 31,186 SH   DFND 0 31,186 0 0
VISA INC CLASS A COMMON STOCK 92826C839 1,104 6,418 SH   SOLE 0 6,418 0 0
VISA INC CLASS A COMMON STOCK 92826C839 44 254 SH   DFND 0 254 0 0
WP CAREY INC COMMON STOCK 92936U109 73 816 SH   SOLE 0 816 0 0
WEC ENERGY GROUP INC COMMON STOCK 92939U106 261 2,744 SH   SOLE 0 2,744 0 0
WABTEC CORP COMMON STOCK 929740108 1 8 SH   DFND 0 8 0 0
WAL MART STORES INC COMMON STOCK 931142103 3,726 31,396 SH   SOLE 0 31,396 0 0
WAL MART STORES INC COMMON STOCK 931142103 887 7,478 SH   DFND 0 7,478 0 0
WALGREENS BOOTS ALLIANCE INC COMMON STOCK 931427108 285 5,148 SH   SOLE 0 5,148 0 0
WALGREENS BOOTS ALLIANCE INC COMMON STOCK 931427108 19 335 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 1,378 27,325 SH   SOLE 0 27,325 0 0
WELLS FARGO & CO COMMON STOCK 949746101 143 2,827 SH   DFND 0 2,827 0 0
WELLTOWER INC COMMON STOCK 95040Q104 18 200 SH   DFND 0 200 0 0
WEYERHAEUSER CO COMMON STOCK 962166104 44 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 US HIGH DIVIDEND ETF ETF/EQUITY 97717W208 1,718 23,070 SH   SOLE 0 23,070 0 0
WISDOMTREE US HIGH DIVIDEND ETF ETF/EQUITY 97717W208 55 745 SH   DFND 0 745 0 0
WISDOMTREE LARGECAP DIVIDEND ETF ETF/EQUITY 97717W307 83 835 SH   SOLE 0 835 0 0
WISDOMTREE TRUST SMALLCAP DIVID ETF/EQUITY 97717W604 25 900 SH   DFND 0 900 0 0
WISDOMTREE EUROPE HEDGED EQUITY ETF ETF/INTERNATIONAL EQUITY 97717X701 17 259 SH   SOLE 0 259 0 0
SPDR GOLD MINISHARES ETF/OTHER 98149E204 15 1,050 SH   SOLE 0 1,050 0 0
XCEL ENERGY INC COMMON STOCK 98389B100 5 75 SH   SOLE 0 75 0 0
XYLEM INC COMMON STOCK 98419M100 75 940 SH   SOLE 0 940 0 0