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 41 331 SH   SOLE 0 331 0 0
ALLERGAN PLC FOREIGN EQUITIES G0177J108 10 53 SH   SOLE 0 53 0 0
AMCOR PLC FOREIGN EQUITIES G0250X107 624 57,539 SH   SOLE 0 57,539 0 0
AMCOR PLC FOREIGN EQUITIES G0250X107 105 9,680 SH   DFND 0 9,680 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 19 200 SH   SOLE 0 200 0 0
EATON CORP PLC FOREIGN EQUITIES G29183103 39 408 SH   DFND 0 408 0 0
IHS MARKIT LTD. FOREIGN EQUITIES G47567105 8 107 SH   SOLE 0 107 0 0
INGERSOLL-RAND PLC FOREIGN EQUITIES G47791101 165 1,242 SH   SOLE 0 1,242 0 0
LINDE PLC FOREIGN EQUITIES G5494J103 52 243 SH   SOLE 0 243 0 0
MEDTRONIC PLC FOREIGN EQUITIES G5960L103 820 7,224 SH   SOLE 0 7,224 0 0
MEDTRONIC PLC FOREIGN EQUITIES G5960L103 50 440 SH   DFND 0 440 0 0
WHITE MTNS INS GROUP LTD COMMON STOCK G9618E107 112 100 SH   DFND 0 100 0 0
ALCON INC FOREIGN EQUITIES H01301128 2 40 SH   SOLE 0 40 0 0
CHUBB LTD FOREIGN EQUITIES H1467J104 1,480 9,508 SH   SOLE 0 9,508 0 0
CHUBB LTD FOREIGN EQUITIES H1467J104 153 982 SH   DFND 0 982 0 0
ABB LTD ADR FOREIGN EQUITIES 000375204 7 300 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 12 250 SH   SOLE 0 250 0 0
AT&T INC COMMON STOCK 00206R102 7,756 198,514 SH   SOLE 0 198,164 0 350
AT&T INC COMMON STOCK 00206R102 1,721 44,049 SH   DFND 0 44,049 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100 3,093 35,605 SH   SOLE 0 35,605 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100 525 6,045 SH   DFND 0 6,045 0 0
ABBVIE INC COMMON STOCK 00287Y109 4,928 55,662 SH   SOLE 0 55,662 0 0
ABBVIE INC COMMON STOCK 00287Y109 780 8,810 SH   DFND 0 8,810 0 0
ADOBE INC COMMON STOCK 00724F101 66 200 SH   SOLE 0 200 0 0
AGILENT TECHNOLOGIES INC COMMON STOCK 00846U101 6 76 SH   DFND 0 76 0 0
AIR PRODS & CHEMS INC COMMON STOCK 009158106 477 2,030 SH   SOLE 0 2,030 0 0
AIR PRODS & CHEMS INC COMMON STOCK 009158106 282 1,200 SH   DFND 0 1,200 0 0
ALBEMARLE CORP COMMON STOCK 012653101 95 1,300 SH   SOLE 0 1,300 0 0
ALBEMARLE CORP COMMON STOCK 012653101 168 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 45 400 SH   DFND 0 400 0 0
ALPHABET INC CLASS C COMMON STOCK 02079K107 148 111 SH   SOLE 0 111 0 0
ALPHABET INC CLASS C COMMON STOCK 02079K107 140 105 SH   DFND 0 105 0 0
ALPHABET INC CLASS A COMMON STOCK 02079K305 758 566 SH   SOLE 0 566 0 0
ALPHABET INC CLASS A COMMON STOCK 02079K305 281 210 SH   DFND 0 210 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 453 9,082 SH   SOLE 0 9,082 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 25 500 SH   DFND 0 500 0 0
AMAZON.COM INC COMMON STOCK 023135106 187 101 SH   SOLE 0 101 0 0
AMAZON.COM INC COMMON STOCK 023135106 211 114 SH   DFND 0 114 0 0
AMEREN CORP COMMON STOCK 023608102 192 2,498 SH   SOLE 0 2,498 0 0
AMERICAN ELECTRIC POWER CO COMMON STOCK 025537101 372 3,932 SH   SOLE 0 3,932 0 0
AMERICAN ELECTRIC POWER CO COMMON STOCK 025537101 304 3,219 SH   DFND 0 3,219 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 750 6,024 SH   SOLE 0 6,024 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 31 250 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
AMERICAN TOWER CORP COMMON STOCK 03027X100 689 3,000 SH   DFND 0 3,000 0 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103 246 2,000 SH   DFND 0 2,000 0 0
AMETEK INC COMMON STOCK 031100100 698 7,000 SH   DFND 0 7,000 0 0
AMGEN INC COMMON STOCK 031162100 1,695 7,031 SH   SOLE 0 7,031 0 0
AMGEN INC COMMON STOCK 031162100 609 2,525 SH   DFND 0 2,525 0 0
ANALOG DEVICES INC COMMON STOCK 032654105 14 116 SH   SOLE 0 116 0 0
ANTHEM INC COMMON STOCK 036752103 642 2,125 SH   SOLE 0 2,125 0 0
APPLE INC COMMON STOCK 037833100 28,808 98,108 SH   SOLE 0 98,108 0 0
APPLE INC COMMON STOCK 037833100 737 2,510 SH   DFND 0 2,510 0 0
APPLIED DNA SCIENCES, INC. COMMON STOCK 03815U300 0 1 SH   SOLE 0 1 0 0
APPLIED MATERIALS INC COMMON STOCK 038222105 14 225 SH   DFND 0 225 0 0
AQUA AMERICA INC COMMON STOCK 03836W103 350 7,455 SH   SOLE 0 7,455 0 0
AQUA AMERICA INC COMMON STOCK 03836W103 48 1,025 SH   DFND 0 1,025 0 0
ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102 5 110 SH   SOLE 0 110 0 0
ARROW FINANCIAL CORP COMMON STOCK 042744102 249 6,578 SH   SOLE 0 6,578 0 0
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 2,452 14,379 SH   SOLE 0 14,379 0 0
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 706 4,142 SH   DFND 0 4,142 0 0
AVALONBAY COMMUNITIES INC COMMON STOCK 053484101 21 100 SH   SOLE 0 100 0 0
BCE INC FOREIGN EQUITIES 05534B760 306 6,610 SH   SOLE 0 6,610 0 0
BP PLC ADR FOREIGN EQUITIES 055622104 85 2,260 SH   DFND 0 2,260 0 0
BANK OF AMERICA CORPORATION COMMON STOCK 060505104 192 5,444 SH   SOLE 0 5,444 0 0
BANK OF AMERICA CORPORATION COMMON STOCK 060505104 136 3,874 SH   DFND 0 3,874 0 0
BANK OF HAWAII CORP COMMON STOCK 062540109 10 100 SH   DFND 0 100 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 131 2,611 SH   SOLE 0 2,611 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 18 353 SH   DFND 0 353 0 0
BANK OF NOVA SCOTIA FOREIGN EQUITIES 064149107 362 6,400 SH   SOLE 0 6,400 0 0
BARRICK GOLD CORP FOREIGN EQUITIES 067901108 4 200 SH   SOLE 0 200 0 0
BAXTER INTERNATIONAL INC COMMON STOCK 071813109 207 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 964 3,546 SH   SOLE 0 3,546 0 0
BECTON DICKINSON & CO COMMON STOCK 075887109 272 1,000 SH   DFND 0 1,000 0 0
BERKSHIRE HATHAWAY INC B COMMON STOCK 084670702 1,216 5,368 SH   SOLE 0 5,368 0 0
BERKSHIRE HATHAWAY INC B COMMON STOCK 084670702 108 475 SH   DFND 0 475 0 0
BERKSHIRE HILLS BANCORP INC COMMON STOCK 084680107 9 264 SH   DFND 0 264 0 0
BHP GROUP LTD ADR FOREIGN EQUITIES 088606108 657 12,020 SH   SOLE 0 12,020 0 0
BHP GROUP LTD ADR FOREIGN EQUITIES 088606108 147 2,690 SH   DFND 0 2,690 0 0
BIOGEN INC COMMON STOCK 09062X103 237 800 SH   DFND 0 800 0 0
BLACKBERRY LTD NPV FOREIGN EQUITIES 09228F103 2 250 SH   DFND 0 250 0 0
BLACKROCK INC COMMON STOCK 09247X101 15 30 SH   SOLE 0 30 0 0
BLACKROCK ENHANCED EQT DIV ETF/EQUITY 09251A104 57 5,703 SH   DFND 0 5,703 0 0
BLACKSTONE GROUP INC COMMON STOCK 09260D107 6 100 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 1,186 3,642 SH   SOLE 0 3,642 0 0
BOEING COMPANY COMMON STOCK 097023105 18 55 SH   DFND 0 55 0 0
BORGWARNER INC COMMON STOCK 099724106 4 100 SH   DFND 0 100 0 0
BRIDGE BANCORP INC COMMON STOCK 108035106 7 200 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 2,587 40,305 SH   SOLE 0 40,305 0 0
BRISTOL MYERS SQUIBB COMPANY COMMON STOCK 110122108 8,775 136,709 SH   DFND 0 136,709 0 0
BRISTOL MYERS SQUIBB CO CONTINGENT RIGHTS WARRANTS & RIGHTS 110122157 10 3,200 SH   DFND 0 3,200 0 0
BROOKFIELD ASSET MGMT INC CLASS A FOREIGN EQUITIES 112585104 59 1,017 SH   DFND 0 1,017 0 0
C H ROBINSON WORLDWIDE INC COMMON STOCK 12541W209 1,084 13,862 SH   SOLE 0 13,862 0 0
C H ROBINSON WORLDWIDE INC COMMON STOCK 12541W209 57 735 SH   DFND 0 735 0 0
CIGNA CORP NEW COMMON STOCK 125523100 167 818 SH   SOLE 0 818 0 0
CIGNA CORP NEW COMMON STOCK 125523100 202 987 SH   DFND 0 987 0 0
CSX CORP COMMON STOCK 126408103 46 635 SH   SOLE 0 635 0 0
CSX CORP COMMON STOCK 126408103 1,375 19,000 SH   DFND 0 19,000 0 0
CVS HEALTH CORP COMMON STOCK 126650100 2,061 27,748 SH   SOLE 0 27,748 0 0
CVS HEALTH CORP COMMON STOCK 126650100 124 1,665 SH   DFND 0 1,665 0 0
CANADIAN PAC RY LTD FOREIGN EQUITIES 13645T100 892 3,500 SH   SOLE 0 3,500 0 0
CAPITAL ONE FINANCIAL COMMON STOCK 14040H105 54 520 SH   SOLE 0 520 0 0
CATERPILLAR INC COMMON STOCK 149123101 1,455 9,854 SH   SOLE 0 9,854 0 0
CATERPILLAR INC COMMON STOCK 149123101 271 1,837 SH   DFND 0 1,837 0 0
CEL SCI CORP COMMON STOCK 150837607 46 5,000 SH   SOLE 0 5,000 0 0
CENTENNIAL RESOURCE DEV INC COMMON STOCK 15136A102 1 200 SH   DFND 0 200 0 0
THE CHEMOURS CO COMMON STOCK 163851108 7 360 SH   DFND 0 360 0 0
CHEVRON CORP COMMON STOCK 166764100 3,338 27,701 SH   SOLE 0 27,701 0 0
CHEVRON CORP COMMON STOCK 166764100 672 5,576 SH   DFND 0 5,576 0 0
CHURCH & DWIGHT CO INC COMMON STOCK 171340102 141 2,000 SH   DFND 0 2,000 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 6,119 127,619 SH   SOLE 0 127,619 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 1,474 30,748 SH   DFND 0 30,748 0 0
CITIGROUP INC COMMON STOCK 172967424 60 752 SH   SOLE 0 752 0 0
CITIGROUP INC COMMON STOCK 172967424 8 100 SH   DFND 0 100 0 0
COCA COLA COMPANY COMMON STOCK 191216100 6,450 116,556 SH   SOLE 0 116,556 0 0
COCA COLA COMPANY COMMON STOCK 191216100 1,013 18,304 SH   DFND 0 18,304 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 838 12,168 SH   SOLE 0 12,168 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 471 6,836 SH   DFND 0 6,836 0 0
COMCAST CORP CLASS A COMMON STOCK 20030N101 1,869 41,561 SH   SOLE 0 41,561 0 0
COMCAST CORP CLASS A COMMON STOCK 20030N101 176 3,909 SH   DFND 0 3,909 0 0
COMMUNITY BK SYS INC COMMON STOCK 203607106 280 3,942 SH   SOLE 0 3,942 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 1,222 18,789 SH   SOLE 0 18,789 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 328 5,042 SH   DFND 0 5,042 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 465 5,135 SH   SOLE 0 5,135 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 118 1,300 SH   DFND 0 1,300 0 0
CONSTELLATION BRANDS INC CLASS A COMMON STOCK 21036P108 273 1,441 SH   SOLE 0 1,441 0 0
CONSTELLATION BRANDS INC CLASS A COMMON STOCK 21036P108 190 1,000 SH   DFND 0 1,000 0 0
COOPER COMPANIES INC COMMON STOCK 216648402 96 300 SH   DFND 0 300 0 0
CORNING INC COMMON STOCK 219350105 520 17,851 SH   SOLE 0 17,851 0 0
CORNING INC COMMON STOCK 219350105 37 1,275 SH   DFND 0 1,275 0 0
CORTEVA INC COMMON STOCK 22052L104 426 14,413 SH   SOLE 0 14,413 0 0
CORTEVA INC COMMON STOCK 22052L104 109 3,691 SH   DFND 0 3,691 0 0
COSTCO COMMON STOCK 22160K105 107 365 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 2,468 13,792 SH   SOLE 0 13,792 0 0
CUMMINS INC COMMON STOCK 231021106 551 3,080 SH   DFND 0 3,080 0 0
DANAHER CORP COMMON STOCK 235851102 45 290 SH   SOLE 0 290 0 0
DARDEN RESTAURANTS INC COMMON STOCK 237194105 148 1,354 SH   SOLE 0 1,354 0 0
DARDEN RESTAURANTS INC COMMON STOCK 237194105 249 2,280 SH   DFND 0 2,280 0 0
DEERE & COMPANY COMMON STOCK 244199105 17 100 SH   SOLE 0 100 0 0
DELL TECHNOLOGIES INC COMMON STOCK 24703L202 8 146 SH   SOLE 0 146 0 0
DENTSPLY SIRONA INC COMMON STOCK 24906P109 23 414 SH   SOLE 0 414 0 0
DEVON ENERGY CORP COMMON STOCK 25179M103 3 100 SH   SOLE 0 100 0 0
DIAGEO PLC ADR FOREIGN EQUITIES 25243Q205 2 11 SH   SOLE 0 11 0 0
DIAMONDBACK ENERGY, INC. COMMON STOCK 25278X109 24 257 SH   SOLE 0 257 0 0
WALT DISNEY CO COMMON STOCK 254687106 4,953 34,243 SH   SOLE 0 34,243 0 0
WALT DISNEY CO COMMON STOCK 254687106 305 2,111 SH   DFND 0 2,111 0 0
DOLLAR GENERAL CORP COMMON STOCK 256677105 303 1,945 SH   SOLE 0 1,945 0 0
DOLLAR GENERAL CORP COMMON STOCK 256677105 47 300 SH   DFND 0 300 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109 3,396 41,010 SH   SOLE 0 40,860 0 150
DOMINION ENERGY INC COMMON STOCK 25746U109 1,197 14,456 SH   DFND 0 14,456 0 0
DOW INC COMMON STOCK 260557103 2,803 51,224 SH   SOLE 0 51,224 0 0
DOW INC COMMON STOCK 260557103 308 5,623 SH   DFND 0 5,623 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204 402 4,412 SH   SOLE 0 4,412 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204 77 840 SH   DFND 0 840 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102 1,713 26,684 SH   SOLE 0 26,684 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102 267 4,166 SH   DFND 0 4,166 0 0
EOG RESOURCES INC COMMON STOCK 26875P101 224 2,675 SH   SOLE 0 2,675 0 0
EOG RESOURCES INC COMMON STOCK 26875P101 7 80 SH   DFND 0 80 0 0
ECOLAB INC COMMON STOCK 278865100 186 964 SH   SOLE 0 964 0 0
ECOLAB INC COMMON STOCK 278865100 145 750 SH   DFND 0 750 0 0
EDISON INTL COMMON STOCK 281020107 234 3,097 SH   DFND 0 3,097 0 0
EMERSON ELECTRIC CO COMMON STOCK 291011104 3,441 45,124 SH   SOLE 0 45,124 0 0
EMERSON ELECTRIC CO COMMON STOCK 291011104 417 5,466 SH   DFND 0 5,466 0 0
ENBRIDGE INC FOREIGN EQUITIES 29250N105 162 4,067 SH   SOLE 0 4,067 0 0
ENBRIDGE INC FOREIGN EQUITIES 29250N105 125 3,148 SH   DFND 0 3,148 0 0
ENERGY TRANSFER EQUITY LP COMMON STOCK 29273V100 16 1,282 SH   DFND 0 1,282 0 0
ENTERPRISE PRODS PARTNERS LP COMMON STOCK 293792107 101 3,598 SH   SOLE 0 3,598 0 0
EQUIFAX INC COMMON STOCK 294429105 560 4,000 SH   DFND 0 4,000 0 0
EXELON CORP COMMON STOCK 30161N101 1,770 38,835 SH   SOLE 0 38,835 0 0
EXELON CORP COMMON STOCK 30161N101 361 7,925 SH   DFND 0 7,925 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102 6,437 92,253 SH   SOLE 0 92,153 0 100
EXXON MOBIL CORP COMMON STOCK 30231G102 1,730 24,786 SH   DFND 0 24,786 0 0
FNCB BANCORP INC COMMON STOCK 302578109 9 1,084 SH   SOLE 0 1,084 0 0
FACEBOOK INC CLASS A COMMON STOCK 30303M102 47 230 SH   SOLE 0 230 0 0
FACEBOOK INC CLASS A COMMON STOCK 30303M102 26 125 SH   DFND 0 125 0 0
FASTENAL CO COMMON STOCK 311900104 227 6,152 SH   SOLE 0 6,152 0 0
FASTENAL CO COMMON STOCK 311900104 222 6,000 SH   DFND 0 6,000 0 0
FEDEX CORP COMMON STOCK 31428X106 45 295 SH   SOLE 0 295 0 0
FIDELITY NATL INFORMATION SV COMMON STOCK 31620M106 417 3,000 SH   DFND 0 3,000 0 0
FIFTH THIRD BANCORP COMMON STOCK 316773100 20 655 SH   DFND 0 655 0 0
FIRST TRUST NASDAQ TECH DIV ETF/EQUITY 33738R118 217 5,040 SH   SOLE 0 4,975 0 65
FIRST TRUST NASDAQ TECH DIV ETF/EQUITY 33738R118 2 40 SH   DFND 0 40 0 0
FORD MOTOR COMPANY COMMON STOCK 345370860 2 200 SH   SOLE 0 200 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 13 200 SH   SOLE 0 200 0 0
FRANCO NEVADA CORP FOREIGN EQUITIES 351858105 14 132 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 7 898 SH   DFND 0 898 0 0
GABELLI UTILITY TRUST MUTUAL FUNDS MID CAP EQUITY 36240A101 7 866 SH   DFND 0 866 0 0
ARTHUR J GALLAGHER & CO COMMON STOCK 363576109 14 150 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 633 3,587 SH   SOLE 0 3,587 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 10 57 SH   DFND 0 57 0 0
GENERAL ELECTRIC CO COMMON STOCK 369604103 487 43,604 SH   SOLE 0 43,604 0 0
GENERAL ELECTRIC CO COMMON STOCK 369604103 142 12,728 SH   DFND 0 12,728 0 0
GENERAL MILLS INC COMMON STOCK 370334104 1,635 30,518 SH   SOLE 0 30,518 0 0
GENERAL MILLS INC COMMON STOCK 370334104 443 8,270 SH   DFND 0 8,270 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 657 10,117 SH   SOLE 0 10,117 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 175 2,700 SH   DFND 0 2,700 0 0
GLOBAL X ROBOTICS & AI ETF ETF/INTERNATIONAL EQUITY 37954Y715 1,305 59,685 SH   SOLE 0 59,550 0 135
GLOBAL X ROBOTICS & AI ETF ETF/INTERNATIONAL EQUITY 37954Y715 2 100 SH   DFND 0 100 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 54 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 147 1,000 SH   SOLE 0 1,000 0 0
HERSHEY CO COMMON STOCK 427866108 147 1,000 SH   DFND 0 1,000 0 0
HOME DEPOT INC COMMON STOCK 437076102 1,679 7,687 SH   SOLE 0 7,687 0 0
HOME DEPOT INC COMMON STOCK 437076102 357 1,636 SH   DFND 0 1,636 0 0
HONEYWELL INTL INC COMMON STOCK 438516106 652 3,685 SH   SOLE 0 3,685 0 0
HONEYWELL INTL INC COMMON STOCK 438516106 28 159 SH   DFND 0 159 0 0
IDEX CORP COMMON STOCK 45167R104 102 591 SH   SOLE 0 591 0 0
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109 3,686 20,518 SH   SOLE 0 20,518 0 0
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109 642 3,573 SH   DFND 0 3,573 0 0
IMPERIAL OIL LTD FOREIGN EQUITIES 453038408 95 3,600 SH   SOLE 0 3,600 0 0
INFINITY PHARMACEUTICALS INC COMMON STOCK 45665G303 23 24,000 SH   SOLE 0 24,000 0 0
INFUSYSTEMS HOLDINGS INC COMMON STOCK 45685K102 26 3,000 SH   SOLE 0 3,000 0 0
INTEL CORP COMMON STOCK 458140100 7,721 129,033 SH   SOLE 0 128,818 0 215
INTEL CORP COMMON STOCK 458140100 1,561 26,094 SH   DFND 0 26,094 0 0
INTL BUSINESS MACHINES CORP COMMON STOCK 459200101 6,062 45,225 SH   SOLE 0 45,225 0 0
INTL BUSINESS MACHINES CORP COMMON STOCK 459200101 10,468 78,096 SH   DFND 0 78,096 0 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103 7 156 SH   DFND 0 156 0 0
INVESCO ACTIVELY MANAGD ETF ULTRA SHRT DUR ETF/FIXED INCOME 46090A887 663 13,165 SH   SOLE 0 12,915 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 117 550 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 14 112 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 428 7,355 SH   SOLE 0 7,275 0 80
INVESCO KBW BANK ETF ETF/EQUITY 46138E628 3 50 SH   DFND 0 50 0 0
INVESCO VARIABLE RATE PFD ETF/EQUITY 46138G870 2,195 85,000 SH   SOLE 0 85,000 0 0
INVESCO VARIABLE RATE PFD ETF/EQUITY 46138G870 21 800 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 5 200 SH   DFND 0 200 0 0
ISHARES SILVER TRUST ETF/OTHER 46428Q109 13 750 SH   SOLE 0 750 0 0
ISHARES SILVER TRUST ETF/OTHER 46428Q109 31 1,872 SH   DFND 0 1,872 0 0
ISHARES GOLD TRUST ETF/OTHER 464285105 5,894 406,498 SH   SOLE 0 406,198 0 300
ISHARES GOLD TRUST ETF/OTHER 464285105 7 450 SH   DFND 0 450 0 0
ISHARES MSCI CANADA ETF ETF/INTERNATIONAL EQUITY 464286509 253 8,459 SH   SOLE 0 8,459 0 0
ISHARES MSCI MIN VOL EMERGE MARKETS ETF ETF/INTERNATIONAL EQUITY 464286533 3,922 66,875 SH   SOLE 0 66,750 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 9 120 SH   SOLE 0 120 0 0
ISHARES SELECT DIVIDEND ETF ETF/EQUITY 464287168 107 1,008 SH   SOLE 0 1,008 0 0
ISHARES TIPS BOND ETF ETF/FIXED INCOME 464287176 494 4,236 SH   SOLE 0 4,236 0 0
ISHARES TIPS BOND ETF ETF/FIXED INCOME 464287176 50 425 SH   DFND 0 425 0 0
ISHARES CORE S&P 500 ETF ETF/EQUITY 464287200 26,083 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 290 6,460 SH   SOLE 0 6,460 0 0
ISHARES IBOXX $ INVMT GRADE CORP BOND ETF ETF/FIXED INCOME 464287242 169 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 680 3,513 SH   SOLE 0 3,513 0 0
ISHARES S&P 500 GROWTH ETF ETF/EQUITY 464287309 12 60 SH   DFND 0 60 0 0
ISHARES GLOBAL HEALTHCARE ETF/EQUITY 464287325 36 520 SH   SOLE 0 520 0 0
ISHARES S&P 500 VALUE ETF ETF/EQUITY 464287408 691 5,309 SH   SOLE 0 5,309 0 0
ISHARES S&P 500 VALUE ETF ETF/EQUITY 464287408 12 95 SH   DFND 0 95 0 0
ISHARES TR BARCLYS 7-10 YR ETF/FIXED INCOME 464287440 855 7,760 SH   SOLE 0 7,620 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 1,687 24,289 SH   SOLE 0 24,289 0 0
ISHARES MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 464287465 1,246 17,942 SH   DFND 0 17,942 0 0
ISHARES RUSSELL MIDCAP VALUE ETF/EQUITY 464287473 3,942 41,598 SH   SOLE 0 41,598 0 0
ISHARES RUSSELL MIDCAP VALUE ETF/EQUITY 464287473 192 2,025 SH   DFND 0 2,025 0 0
ISHARES RUSSELL MIDCAP GROW ETF ETF/EQUITY 464287481 50 325 SH   SOLE 0 325 0 0
ISHARES TR RUS MID-CAP ETF ETF/EQUITY 464287499 35 580 SH   SOLE 0 580 0 0
ISHARES CORE S&P MIDCAP ETF ETF/EQUITY 464287507 7,288 35,409 SH   SOLE 0 35,384 0 25
ISHARES CORE S&P MIDCAP ETF ETF/EQUITY 464287507 57 275 SH   DFND 0 275 0 0
ISHARES NASDAQ BIOTECHNOLOGYETF ETF/EQUITY 464287556 60 495 SH   SOLE 0 495 0 0
ISHARES RUSSELL 1000 VALUE ETF ETF/EQUITY 464287598 3,108 22,774 SH   SOLE 0 22,664 0 110
ISHARES RUSSELL 1000 VALUE ETF ETF/EQUITY 464287598 1,799 13,185 SH   DFND 0 13,185 0 0
ISHARES S&P MIDCAP 400 GROWTH ETF ETF/EQUITY 464287606 416 1,745 SH   SOLE 0 1,745 0 0
ISHARES S&P MIDCAP 400 GROWTH ETF ETF/EQUITY 464287606 43 180 SH   DFND 0 180 0 0
ISHARES RUSSELL 1000 GROWTH ETF ETF/EQUITY 464287614 4,320 24,555 SH   SOLE 0 24,460 0 95
ISHARES RUSSELL 1000 GROWTH ETF ETF/EQUITY 464287614 2,759 15,682 SH   DFND 0 15,682 0 0
ISHARES TR RUSL 2000 VALU ETF/EQUITY 464287630 27 209 SH   DFND 0 209 0 0
ISHARES RUSSELL 2000 GROWTH ETF ETF/EQUITY 464287648 30 141 SH   DFND 0 141 0 0
ISHARES RUSSELL 2000 ETF ETF/EQUITY 464287655 490 2,957 SH   SOLE 0 2,957 0 0
ISHARES RUSSELL 2000 ETF ETF/EQUITY 464287655 58 350 SH   DFND 0 350 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 7,695 91,772 SH   SOLE 0 91,712 0 60
ISHARES CORE S&P SMALLCAP ETF ETF/EQUITY 464287804 2,315 27,603 SH   DFND 0 27,603 0 0
ISHARES MSCI ACWI EX US ETF ETF/INTERNATIONAL EQUITY 464288240 295 6,000 SH   SOLE 0 6,000 0 0
ISHARES MSCI EAFE SMALLCAP ETF ETF/INTERNATIONAL EQUITY 464288273 2 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 67 759 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 288 7,662 SH   SOLE 0 7,662 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 2,357 46,300 SH   SOLE 0 46,300 0 0
ISHARES CORE HIGH DIVIDEND ETF ETF/EQUITY 46429B663 87 890 SH   SOLE 0 890 0 0
ISHARES CORE HIGH DIVIDEND ETF ETF/EQUITY 46429B663 32 330 SH   DFND 0 330 0 0
ISHARES EDGE MSCI MIN VOL EAFE ETF ETF/INTERNATIONAL EQUITY 46429B689 8,500 114,034 SH   SOLE 0 113,834 0 200
ISHARES EDGE MSCI MIN VOL EAFE ETF ETF/INTERNATIONAL EQUITY 46429B689 28 374 SH   DFND 0 374 0 0
ISHARES EDGE MSCI MIN VOL USA ETF ETF/EQUITY 46429B697 20,629 314,459 SH   SOLE 0 314,074 0 385
ISHARES EDGE MSCI MIN VOL USA ETF ETF/EQUITY 46429B697 15 225 SH   DFND 0 225 0 0
ISHARES CORE MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 46432F842 21,051 322,667 SH   SOLE 0 322,447 0 220
ISHARES CORE MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 46432F842 213 3,271 SH   DFND 0 3,271 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 46434G103 4,889 90,956 SH   SOLE 0 90,831 0 125
ISHARES CORE MSCI EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 46434G103 5 95 SH   DFND 0 95 0 0
ISHARES INC ESG MSCI EM ETF ETF/INTERNATIONAL EQUITY 46434G863 674 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 2,633 74,229 SH   SOLE 0 74,144 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 361 5,250 SH   SOLE 0 5,250 0 0
JPMORGAN CHASE & CO COMMON STOCK 46625H100 6,696 48,034 SH   SOLE 0 48,034 0 0
JPMORGAN CHASE & CO COMMON STOCK 46625H100 718 5,151 SH   DFND 0 5,151 0 0
JABIL CIRCUIT INC. COMMON STOCK 466313103 8 200 SH   SOLE 0 200 0 0
JPMORGAN DIVERSIFIED RETURN US EQ ETF ETF/EQUITY 46641Q407 7,633 95,830 SH   SOLE 0 95,730 0 100
JPMORGAN DIVERSIFIED RETURN US EQ ETF ETF/EQUITY 46641Q407 7 85 SH   DFND 0 85 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 8,341 57,182 SH   SOLE 0 57,107 0 75
JOHNSON & JOHNSON COMMON STOCK 478160104 2,414 16,548 SH   DFND 0 16,548 0 0
JOUNCE THERAPEUTICS INC COMMON STOCK 481116101 17 2,000 SH   SOLE 0 2,000 0 0
KEYCORP COMMON STOCK 493267108 9 457 SH   SOLE 0 457 0 0
KEYCORP COMMON STOCK 493267108 10 500 SH   DFND 0 500 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 187 1,363 SH   SOLE 0 1,363 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 642 4,665 SH   DFND 0 4,665 0 0
KINDER MORGAN INC COMMON STOCK 49456B101 18 838 SH   SOLE 0 838 0 0
KONTOOR BRANDS INC COMMON STOCK 50050N103 2 41 SH   DFND 0 41 0 0
KRAFT HEINZ COMPANY COMMON STOCK 500754106 59 1,822 SH   SOLE 0 1,822 0 0
KRAFT HEINZ COMPANY COMMON STOCK 500754106 81 2,533 SH   DFND 0 2,533 0 0
KROGER COMPANY COMMON STOCK 501044101 11 370 SH   SOLE 0 370 0 0
L3HARRIS TECHNOLOGIES INC COMMON STOCK 502431109 6 30 SH   DFND 0 30 0 0
LIBERTY ALL STAR EQUITY FD CLOSED END MUTUAL FUNDS 530158104 49 7,208 SH   DFND 0 7,208 0 0
ELI LILLY AND COMPANY COMMON STOCK 532457108 286 2,178 SH   SOLE 0 2,178 0 0
ELI LILLY AND COMPANY COMMON STOCK 532457108 239 1,816 SH   DFND 0 1,816 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 201 516 SH   SOLE 0 516 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 148 380 SH   DFND 0 380 0 0
LOEWS CORP COMMON STOCK 540424108 68 1,300 SH   DFND 0 1,300 0 0
LOWES COMPANIES INC COMMON STOCK 548661107 1,753 14,636 SH   SOLE 0 14,636 0 0
LOWES COMPANIES INC COMMON STOCK 548661107 55 459 SH   DFND 0 459 0 0
M & T BANK CORP COMMON STOCK 55261F104 222 1,305 SH   SOLE 0 1,305 0 0
M & T BANK CORP COMMON STOCK 55261F104 1,370 8,068 SH   DFND 0 8,068 0 0
MAGNA INTERNATIONAL INC FOREIGN EQUITIES 559222401 39 720 SH   SOLE 0 720 0 0
MANULIFE FINL CORP FOREIGN EQUITIES 56501R106 304 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
MARKEL CORPORATION COMMON STOCK 570535104 114 100 SH   DFND 0 100 0 0
MASTERCARD INC CLASS A COMMON STOCK 57636Q104 158 530 SH   SOLE 0 530 0 0
MCDONALDS CORP COMMON STOCK 580135101 2,203 11,147 SH   SOLE 0 11,147 0 0
MCDONALDS CORP COMMON STOCK 580135101 438 2,215 SH   DFND 0 2,215 0 0
MCKESSON CORP COMMON STOCK 58155Q103 37 266 SH   SOLE 0 266 0 0
MCKESSON CORP COMMON STOCK 58155Q103 484 3,500 SH   DFND 0 3,500 0 0
MEDICAL PPTYS TRUST INC COMMON STOCK 58463J304 4 200 SH   DFND 0 200 0 0
MERCK & COMPANY INC COMMON STOCK 58933Y105 7,913 86,999 SH   SOLE 0 86,999 0 0
MERCK & COMPANY INC COMMON STOCK 58933Y105 1,627 17,888 SH   DFND 0 17,888 0 0
METTLER-TOLEDO INTL COMMON STOCK 592688105 793 1,000 SH   DFND 0 1,000 0 0
MICROSOFT CORP COMMON STOCK 594918104 10,925 69,280 SH   SOLE 0 69,280 0 0
MICROSOFT CORP COMMON STOCK 594918104 1,599 10,140 SH   DFND 0 10,140 0 0
MILLER INDUSTRIES INC COMMON STOCK 600551204 39 1,054 SH   SOLE 0 1,054 0 0
MONDELEZ INTL INC CL A COMMON STOCK 609207105 147 2,674 SH   SOLE 0 2,674 0 0
MONDELEZ INTL INC CL A COMMON STOCK 609207105 240 4,350 SH   DFND 0 4,350 0 0
MORGAN STANLEY COMMON STOCK 617446448 381 7,454 SH   SOLE 0 7,454 0 0
MOTOROLA SOLUTIONS INC COMMON STOCK 620076307 12 75 SH   SOLE 0 75 0 0
NBT BANCORP INC COMMON STOCK 628778102 918 22,636 SH   SOLE 0 22,636 0 0
NBT BANCORP INC COMMON STOCK 628778102 1,376 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 147 3,166 SH   DFND 0 3,166 0 0
NATIONAL GRID PLC ADR FOREIGN EQUITIES 636274409 3 45 SH   SOLE 0 45 0 0
NATIONAL GRID PLC ADR FOREIGN EQUITIES 636274409 12 185 SH   DFND 0 185 0 0
NAVISTAR INTERNATIONAL CORP COMMON STOCK 63934E108 0 1 SH   SOLE 0 1 0 0
NEXSTAR MEDIA GROUP CLASS A COMMON STOCK 65336K103 6 50 SH   SOLE 0 50 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 2,164 8,935 SH   SOLE 0 8,935 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 1,113 4,595 SH   DFND 0 4,595 0 0
NIKE INC CLASS B COMMON STOCK 654106103 2,244 22,149 SH   SOLE 0 22,149 0 0
NIKE INC CLASS B COMMON STOCK 654106103 169 1,666 SH   DFND 0 1,666 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 1,426 7,345 SH   SOLE 0 7,345 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 214 1,100 SH   DFND 0 1,100 0 0
NORTHROP GRUMMAN CORP COMMON STOCK 666807102 138 400 SH   SOLE 0 400 0 0
NORTHROP GRUMMAN CORP COMMON STOCK 666807102 69 200 SH   DFND 0 200 0 0
NORWOOD FINANCIAL CORP COMMON STOCK 669549107 304 7,825 SH   SOLE 0 7,825 0 0
NOVARTIS AG ADR FOREIGN EQUITIES 66987V109 836 8,828 SH   SOLE 0 8,828 0 0
NOVARTIS AG ADR FOREIGN EQUITIES 66987V109 320 3,380 SH   DFND 0 3,380 0 0
NUCOR CORP COMMON STOCK 670346105 2,440 43,355 SH   SOLE 0 43,355 0 0
NUCOR CORP COMMON STOCK 670346105 496 8,812 SH   DFND 0 8,812 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 331 6,900 SH   SOLE 0 6,900 0 0
NUTRIEN LTD FOREIGN EQUITIES 67077M108 6 120 SH   DFND 0 120 0 0
OKTA INC CL A COMMON STOCK 679295105 23 200 SH   DFND 0 200 0 0
OLD REPUBLIC INTL CORP COMMON STOCK 680223104 9 400 SH   DFND 0 400 0 0
OMNICOM GROUP INC COMMON STOCK 681919106 2,361 29,139 SH   SOLE 0 29,139 0 0
OMNICOM GROUP INC COMMON STOCK 681919106 135 1,670 SH   DFND 0 1,670 0 0
OMEGA HEALTHCARE INV INC COMMON STOCK 681936100 25 600 SH   SOLE 0 600 0 0
ONEOK INC COMMON STOCK 682680103 30 394 SH   SOLE 0 394 0 0
ORACLE CORP COMMON STOCK 68389X105 401 7,574 SH   SOLE 0 7,574 0 0
ORACLE CORP COMMON STOCK 68389X105 7 140 SH   DFND 0 140 0 0
ORANGE SA ADR FOREIGN EQUITIES 684060106 15 1,000 SH   DFND 0 1,000 0 0
PNC FINL SVCS GROUP INC COMMON STOCK 693475105 1,510 9,458 SH   SOLE 0 9,458 0 0
PNC FINL SVCS GROUP INC COMMON STOCK 693475105 9 55 SH   DFND 0 55 0 0
PPG INDUSTRIES INC COMMON STOCK 693506107 417 3,127 SH   SOLE 0 3,127 0 0
PPG INDUSTRIES INC COMMON STOCK 693506107 36 270 SH   DFND 0 270 0 0
PPL CORP COMMON STOCK 69351T106 1,013 28,223 SH   SOLE 0 27,873 0 350
PPL CORP COMMON STOCK 69351T106 94 2,630 SH   DFND 0 2,630 0 0
PALO ALTO NETWORKS INC COMMON STOCK 697435105 28 120 SH   SOLE 0 120 0 0
PAYCOM SOFTWARE INC COMMON STOCK 70432V102 53 200 SH   DFND 0 200 0 0
PAYCHEX INC COMMON STOCK 704326107 34 395 SH   DFND 0 395 0 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103 27 250 SH   SOLE 0 250 0 0
PEOPLES FINL SVCS CORP COMMON STOCK 711040105 61 1,218 SH   SOLE 0 1,218 0 0
PEOPLES UNITED FINANCIAL INC COMMON STOCK 712704105 84 4,976 SH   SOLE 0 4,976 0 0
PEPSICO INC COMMON STOCK 713448108 6,393 46,776 SH   SOLE 0 46,776 0 0
PEPSICO INC COMMON STOCK 713448108 1,612 11,798 SH   DFND 0 11,798 0 0
PFIZER INC COMMON STOCK 717081103 4,941 126,119 SH   SOLE 0 126,119 0 0
PFIZER INC COMMON STOCK 717081103 1,218 31,087 SH   DFND 0 31,087 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109 612 7,195 SH   SOLE 0 7,195 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109 48 560 SH   DFND 0 560 0 0
PHILLIPS 66 COMMON STOCK 718546104 499 4,481 SH   SOLE 0 4,481 0 0
PHILLIPS 66 COMMON STOCK 718546104 378 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
PINNACLE WEST CPTLCORP COMMON STOCK 723484101 295 3,275 SH   SOLE 0 3,275 0 0
POLARIS INDUSTRIES INC COMMON STOCK 731068102 10 100 SH   SOLE 0 100 0 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108 21 170 SH   SOLE 0 170 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 6,742 53,980 SH   SOLE 0 53,885 0 95
PROCTER & GAMBLE CO COMMON STOCK 742718109 1,038 8,313 SH   DFND 0 8,313 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102 184 1,958 SH   SOLE 0 1,958 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102 6 61 SH   DFND 0 61 0 0
PRUDENTIAL PLC ADR FOREIGN EQUITIES 74435K204 5 135 SH   SOLE 0 135 0 0
PUBLIC SVC ENTERPRISE GROUP COMMON STOCK 744573106 4,012 67,958 SH   SOLE 0 67,958 0 0
PUBLIC SVC ENTERPRISE GROUP COMMON STOCK 744573106 1,172 19,854 SH   DFND 0 19,854 0 0
QUALCOMM INC COMMON STOCK 747525103 619 7,011 SH   SOLE 0 7,011 0 0
QUALCOMM INC COMMON STOCK 747525103 44 500 SH   DFND 0 500 0 0
RAYTHEON CO COMMON STOCK 755111507 171 780 SH   SOLE 0 780 0 0
RAYTHEON CO COMMON STOCK 755111507 80 365 SH   DFND 0 365 0 0
REALTY INCOME CORP COMMON STOCK 756109104 43 584 SH   SOLE 0 584 0 0
RIO TINTO PLC ADR FOREIGN EQUITIES 767204100 266 4,479 SH   SOLE 0 4,479 0 0
RIO TINTO PLC ADR FOREIGN EQUITIES 767204100 9 150 SH   DFND 0 150 0 0
ROCKWELL AUTOMATION INC COMMON STOCK 773903109 110 542 SH   SOLE 0 542 0 0
ROCKWELL AUTOMATION INC COMMON STOCK 773903109 35 175 SH   DFND 0 175 0 0
ROPER INDS INC NEW COMMON STOCK 776696106 248 700 SH   DFND 0 700 0 0
ROYAL BANK OF CANADA FOREIGN EQUITIES 780087102 1,126 14,215 SH   SOLE 0 14,215 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 413 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 6 48 SH   DFND 0 48 0 0
S&P GLOBAL INC COMMON STOCK 78409V104 273 1,000 SH   DFND 0 1,000 0 0
SPDR S&P 500 ETF ETF/EQUITY 78462F103 6,524 20,270 SH   SOLE 0 20,270 0 0
SPDR S&P 500 ETF ETF/EQUITY 78462F103 853 2,651 SH   DFND 0 2,651 0 0
SPDR GOLD SHARES ETF/OTHER 78463V107 590 4,132 SH   SOLE 0 4,132 0 0
SPDR GOLD SHARES ETF/OTHER 78463V107 702 4,910 SH   DFND 0 4,910 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 655 15,625 SH   SOLE 0 15,625 0 0
SPDR PORTFOLIO S&P 500 VALUE ETF/EQUITY 78464A508 686 19,645 SH   SOLE 0 19,645 0 0
SPDR SERIES TRUST PORTFLI INTRMDIT ETF/FIXED INCOME 78464A672 359 11,610 SH   SOLE 0 11,610 0 0
SPDR SERIES TRUST KBW REGN BK ETF ETF/EQUITY 78464A698 13 225 SH   SOLE 0 225 0 0
SPDR S&P DIVIDEND ETF ETF/EQUITY 78464A763 9 80 SH   SOLE 0 80 0 0
SPDR BLACKSTONE/GSO SENIOR LOAN ETF ETF/FIXED INCOME 78467V608 875 18,797 SH   SOLE 0 18,609 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 5,279 107,750 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 5,214 13,889 SH   SOLE 0 13,889 0 0
SPDR S&P MIDCAP 400 ETF ETF/EQUITY 78467Y107 2,272 6,053 SH   DFND 0 6,053 0 0
SPDR 1-3 MO TBILL ETF ETF/FIXED INCOME 78468R663 4,090 44,734 SH   SOLE 0 44,674 0 60
SPDR 1-3 MO TBILL ETF ETF/FIXED INCOME 78468R663 5 60 SH   DFND 0 60 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 652 16,209 SH   SOLE 0 16,209 0 0
SCHLUMBERGER LTD FOREIGN EQUITIES 806857108 118 2,938 SH   DFND 0 2,938 0 0
SCHWAB US SMALL CAP ETF ETF/EQUITY 808524607 2,336 30,890 SH   SOLE 0 30,890 0 0
SCHWAB US SMALL CAP ETF ETF/EQUITY 808524607 140 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 597 9,725 SH   DFND 0 9,725 0 0
HEALTH CARE SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y209 69 675 SH   SOLE 0 675 0 0
CONSUMER STAPLES SECTOR SPDR ETF/EQUITY 81369Y308 38 600 SH   SOLE 0 600 0 0
CONSUMER DISCRET SEL SECT SPDR ETF ETF/EQUITY 81369Y407 54 433 SH   SOLE 0 433 0 0
ENERGY SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y506 199 3,314 SH   SOLE 0 3,314 0 0
ENERGY SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y506 34 560 SH   DFND 0 560 0 0
SPDR FINANCIAL SELECT SECTOR ETF/EQUITY 81369Y605 18 600 SH   SOLE 0 600 0 0
TECHNOLOGY SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y803 126 1,375 SH   SOLE 0 1,375 0 0
TECHNOLOGY SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y803 627 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 595 3,930 SH   SOLE 0 3,930 0 0
SEMPRA ENERGY COMMON STOCK 816851109 158 1,040 SH   DFND 0 1,040 0 0
SIERRA WIRELESS INC FOREIGN EQUITIES 826516106 10 1,000 SH   DFND 0 1,000 0 0
SONY CORP ADR FOREIGN EQUITIES 835699307 8 120 SH   SOLE 0 120 0 0
SOUTHERN COMPANY COMMON STOCK 842587107 476 7,468 SH   SOLE 0 7,468 0 0
SOUTHERN COMPANY COMMON STOCK 842587107 68 1,075 SH   DFND 0 1,075 0 0
SOUTHERN COPPER CORP COMMON STOCK 84265V105 13 303 SH   DFND 0 303 0 0
STANLEY BLACK & DECKER INC COMMON STOCK 854502101 83 500 SH   SOLE 0 500 0 0
STANLEY BLACK & DECKER INC COMMON STOCK 854502101 331 2,000 SH   DFND 0 2,000 0 0
STARBUCKS CORP COMMON STOCK 855244109 554 6,299 SH   SOLE 0 6,299 0 0
STARBUCKS CORP COMMON STOCK 855244109 37 420 SH   DFND 0 420 0 0
STATE STREET CORP COMMON STOCK 857477103 182 2,301 SH   SOLE 0 2,301 0 0
STATE STREET CORP COMMON STOCK 857477103 63 800 SH   DFND 0 800 0 0
STERICYCLE INC COMMON STOCK 858912108 153 2,400 SH   DFND 0 2,400 0 0
STERLING BANCORP DEL COMMON STOCK 85917A100 20 931 SH   SOLE 0 931 0 0
STRYKER CORP COMMON STOCK 863667101 1,440 6,861 SH   SOLE 0 6,861 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 FINANCIAL INC FOREIGN EQUITIES 866796105 547 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 82 2,500 SH   DFND 0 2,500 0 0
SYSCO CORP COMMON STOCK 871829107 2,013 23,530 SH   SOLE 0 23,530 0 0
SYSCO CORP COMMON STOCK 871829107 878 10,260 SH   DFND 0 10,260 0 0
TJX COMPANIES COMMON STOCK 872540109 133 2,184 SH   SOLE 0 2,184 0 0
TJX COMPANIES COMMON STOCK 872540109 10 170 SH   DFND 0 170 0 0
TARGET CORP COMMON STOCK 87612E106 572 4,463 SH   SOLE 0 4,463 0 0
TARGET CORP COMMON STOCK 87612E106 41 317 SH   DFND 0 317 0 0
TC ENERGY CORP FOREIGN EQUITIES 87807B107 842 15,800 SH   SOLE 0 15,800 0 0
TELEDYNE TECHNOLOGIES INC COMMON STOCK 879360105 65 187 SH   DFND 0 187 0 0
TENARIS SA ADR FOREIGN EQUITIES 88031M109 23 1,000 SH   SOLE 0 1,000 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 2,607 20,325 SH   SOLE 0 20,325 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 342 2,665 SH   DFND 0 2,665 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 299 919 SH   SOLE 0 919 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 162 500 SH   DFND 0 500 0 0
THOMSON REUTERS CORP FOREIGN EQUITIES 884903709 272 3,800 SH   SOLE 0 3,800 0 0
3M COMPANY COMMON STOCK 88579Y101 4,104 23,265 SH   SOLE 0 23,265 0 0
3M COMPANY COMMON STOCK 88579Y101 530 3,006 SH   DFND 0 3,006 0 0
TOMPKINS FINANCIAL CORP COMMON STOCK 890110109 242 2,650 SH   SOLE 0 2,650 0 0
TORONTO DOMINION BANK FOREIGN EQUITIES 891160509 724 12,904 SH   SOLE 0 12,904 0 0
TORONTO DOMINION BANK FOREIGN EQUITIES 891160509 41 725 SH   DFND 0 725 0 0
TOTAL SA ADR FOREIGN EQUITIES 89151E109 70 1,265 SH   SOLE 0 1,265 0 0
TOYOTA MOTOR CORP FOREIGN EQUITIES 892331307 28 200 SH   SOLE 0 200 0 0
TOYOTA MOTOR CORP FOREIGN EQUITIES 892331307 84 600 SH   DFND 0 600 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109 548 4,005 SH   SOLE 0 4,005 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109 45 330 SH   DFND 0 330 0 0
TRUIST FINANCIAL CORP COMMON STOCK 89832Q109 954 16,947 SH   SOLE 0 16,947 0 0
TRUIST FINANCIAL CORP COMMON STOCK 89832Q109 90 1,595 SH   DFND 0 1,595 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 3,037 51,228 SH   SOLE 0 51,228 0 0
US BANCORP COMMON STOCK 902973304 496 8,365 SH   DFND 0 8,365 0 0
UNION PACIFIC CORP COMMON STOCK 907818108 616 3,408 SH   SOLE 0 3,408 0 0
UNION PACIFIC CORP COMMON STOCK 907818108 199 1,100 SH   DFND 0 1,100 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 1,798 15,362 SH   SOLE 0 15,362 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 158 1,351 SH   DFND 0 1,351 0 0
UNITED STATES STEEL CORP COMMON STOCK 912909108 0 35 SH   DFND 0 35 0 0
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 3,876 25,881 SH   SOLE 0 25,881 0 0
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 756 5,051 SH   DFND 0 5,051 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 2,127 7,237 SH   SOLE 0 7,237 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 157 535 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 1,429 14,338 SH   SOLE 0 14,338 0 0
VF CORP COMMON STOCK 918204108 49 492 SH   DFND 0 492 0 0
VALERO ENERGY CORP COMMON STOCK 91913Y100 19 200 SH   SOLE 0 200 0 0
VALLEY NATL BANCORP COMMON STOCK 919794107 176 15,356 SH   SOLE 0 15,356 0 0
VANECK VECTORS GOLD MINERS ETF ETF/INTERNATIONAL EQUITY 92189F106 585 20,000 SH   DFND 0 20,000 0 0
VANECK VECTORS AGRIBUSINESS ETF ETF/EQUITY 92189F700 34 500 SH   SOLE 0 500 0 0
VANECK VECTORS JPM EM LC BD ETF ETF/INTERNATIONAL FIXED INCOME 92189H300 797 23,430 SH   SOLE 0 23,270 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 987 7,917 SH   SOLE 0 7,917 0 0
VANGUARD DIVIDEND APPRECIATION ETF ETF/EQUITY 921908844 864 6,928 SH   DFND 0 6,928 0 0
VANGUARD TOTAL INTL STOCK ETF ETF/INTERNATIONAL EQUITY 921909768 163 2,934 SH   SOLE 0 2,934 0 0
VANGUARD MEGA CAP GROWTH ETF ETF/EQUITY 921910816 12 85 SH   SOLE 0 85 0 0
VANGUARD INTERM-TERM BOND ETF ETF/FIXED INCOME 921937819 145 1,660 SH   SOLE 0 1,660 0 0
VANGUARD SHORT TERM BOND ETF ETF/FIXED INCOME 921937827 828 10,272 SH   SOLE 0 9,952 0 320
VANGUARD SHORT TERM BOND ETF ETF/FIXED INCOME 921937827 149 1,852 SH   DFND 0 1,852 0 0
VANGUARD TOTAL BOND MRKT ETF ETF/FIXED INCOME 921937835 1,013 12,080 SH   SOLE 0 12,080 0 0
VANGUARD TOTAL BOND MRKT ETF ETF/FIXED INCOME 921937835 131 1,564 SH   DFND 0 1,564 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF/INTERNATIONAL EQUITY 921943858 22 500 SH   DFND 0 500 0 0
VANGUARD FINANCIALS ETF ETF/EQUITY 92204A405 737 9,665 SH   SOLE 0 9,665 0 0
VANGUARD FINANCIALS ETF ETF/EQUITY 92204A405 208 2,730 SH   DFND 0 2,730 0 0
VANGUARD HEALTH CARE ETF ETF/EQUITY 92204A504 16 81 SH   SOLE 0 81 0 0
VANGUARD HEALTH CARE ETF ETF/EQUITY 92204A504 332 1,732 SH   DFND 0 1,732 0 0
VANGUARD INDUSTRIALS ETF ETF/EQUITY 92204A603 677 4,400 SH   DFND 0 4,400 0 0
VANGUARD INFORMATION TECHNOLOGY ETF ETF/EQUITY 92204A702 792 3,234 SH   SOLE 0 3,234 0 0
VANGUARD INFORMATION TECHNOLOGY ETF ETF/EQUITY 92204A702 783 3,197 SH   DFND 0 3,197 0 0
VANGUARD UTILITIES ETF ETF/EQUITY 92204A876 180 1,259 SH   SOLE 0 1,259 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 922042858 1,521 34,210 SH   SOLE 0 34,210 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 922042858 158 3,558 SH   DFND 0 3,558 0 0
VANGUARD INTL EQUITY INDEX FMSCI EUROPE ETF ETF/INTERNATIONAL EQUITY 922042874 413 7,048 SH   SOLE 0 7,048 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 2,342 28,908 SH   SOLE 0 28,908 0 0
VANGUARD SHORT TERM CORP BOND ETF ETF/FIXED INCOME 92206C409 574 7,085 SH   DFND 0 7,085 0 0
VANGUARD INTERM-TERM GOVT BDETF ETF/FIXED INCOME 92206C706 1,349 20,477 SH   SOLE 0 20,077 0 400
VANGUARD INTERM-TERM GOVT BDETF ETF/FIXED INCOME 92206C706 41 625 SH   DFND 0 625 0 0
VARIAN MEDICAL SYSTEMS INC COMMON STOCK 92220P105 24 166 SH   SOLE 0 166 0 0
VANGUARD S&P 500 ETF ETF/EQUITY 922908363 622 2,103 SH   SOLE 0 2,103 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP ETF/EQUITY 922908512 42 354 SH   DFND 0 354 0 0
VANGUARD MIDCAP GROWTH ETF ETF/EQUITY 922908538 48 300 SH   SOLE 0 300 0 0
VANGUARD MIDCAP GROWTH ETF ETF/EQUITY 922908538 49 309 SH   DFND 0 309 0 0
VANGUARD REIT ETF ETF/EQUITY 922908553 121 1,304 SH   SOLE 0 1,304 0 0
VANGUARD SMALLCAP GROWTH ETF ETF/EQUITY 922908595 17 88 SH   SOLE 0 88 0 0
VANGUARD SMALLCAP VALUE ETF ETF/EQUITY 922908611 192 1,400 SH   SOLE 0 1,400 0 0
VANGUARD MIDCAP ETF ETF/EQUITY 922908629 194 1,090 SH   SOLE 0 1,090 0 0
VANGUARD INDEX FDS GROWTH ETF ETF/EQUITY 922908736 133 729 SH   DFND 0 729 0 0
VANGUARD SMALLCAP ETF ETF/EQUITY 922908751 211 1,275 SH   SOLE 0 1,275 0 0
VANGUARD SMALLCAP ETF ETF/EQUITY 922908751 130 787 SH   DFND 0 787 0 0
VANGUARD TOTAL STOCK MARKET ETF ETF/EQUITY 922908769 10,596 64,762 SH   DFND 0 64,762 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 7,542 122,830 SH   SOLE 0 122,830 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 1,907 31,066 SH   DFND 0 31,066 0 0
VISA INC CLASS A COMMON STOCK 92826C839 1,210 6,438 SH   SOLE 0 6,438 0 0
VISA INC CLASS A COMMON STOCK 92826C839 48 254 SH   DFND 0 254 0 0
WP CAREY INC COMMON STOCK 92936U109 65 816 SH   SOLE 0 816 0 0
WEC ENERGY GROUP INC COMMON STOCK 92939U106 216 2,347 SH   SOLE 0 2,347 0 0
WABTEC CORP COMMON STOCK 929740108 3 38 SH   DFND 0 38 0 0
WAL MART STORES INC COMMON STOCK 931142103 3,668 30,865 SH   SOLE 0 30,865 0 0
WAL MART STORES INC COMMON STOCK 931142103 741 6,238 SH   DFND 0 6,238 0 0
WALGREENS BOOTS ALLIANCE INC COMMON STOCK 931427108 300 5,096 SH   SOLE 0 5,096 0 0
WALGREENS BOOTS ALLIANCE INC COMMON STOCK 931427108 8 135 SH   DFND 0 135 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109 57 502 SH   SOLE 0 502 0 0
WELLS FARGO & CO COMMON STOCK 949746101 1,472 27,375 SH   SOLE 0 27,375 0 0
WELLS FARGO & CO COMMON STOCK 949746101 152 2,827 SH   DFND 0 2,827 0 0
WELLTOWER INC COMMON STOCK 95040Q104 4 48 SH   SOLE 0 48 0 0
WELLTOWER INC COMMON STOCK 95040Q104 16 200 SH   DFND 0 200 0 0
WEYERHAEUSER CO COMMON STOCK 962166104 48 1,600 SH   SOLE 0 1,600 0 0
WISDOMTREE US HIGH DIVIDEND ETF ETF/EQUITY 97717W208 1,959 25,504 SH   SOLE 0 25,504 0 0
WISDOMTREE US HIGH DIVIDEND ETF ETF/EQUITY 97717W208 57 745 SH   DFND 0 745 0 0
WISDOMTREE LARGECAP DIVIDEND ETF ETF/EQUITY 97717W307 88 835 SH   SOLE 0 835 0 0
WISDOMTREE TRUST SMALLCAP DIVID ETF/EQUITY 97717W604 26 900 SH   DFND 0 900 0 0
SPDR GOLD MINISHARES ETF/OTHER 98149E204 16 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 74 940 SH   SOLE 0 940 0 0
ZIMMER HOLDINGS INC COMMON STOCK 98956P102 599 4,000 SH   DFND 0 4,000 0 0