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 46 331 SH   SOLE 0 331 0 0
AMCOR PLC FOREIGN EQUITIES G0250X107 1,627 141,989 SH   SOLE 0 141,989 0 0
AMCOR PLC FOREIGN EQUITIES G0250X107 169 14,730 SH   DFND 0 14,730 0 0
BROOKFIELD BUSINESS PARTNERS LP LTD 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 30 200 SH   SOLE 0 200 0 0
EATON CORP PLC FOREIGN EQUITIES G29183103 274 1,848 SH   DFND 0 1,848 0 0
IHS MARKIT LTD. FOREIGN EQUITIES G47567105 12 107 SH   SOLE 0 107 0 0
LINDE PLC FOREIGN EQUITIES G5494J103 48 166 SH   SOLE 0 166 0 0
MEDTRONIC PLC FOREIGN EQUITIES G5960L103 804 6,479 SH   SOLE 0 6,479 0 0
MEDTRONIC PLC FOREIGN EQUITIES G5960L103 42 340 SH   DFND 0 340 0 0
MYOVANT SCIENCES LTD COMMON STOCK G637AM102 11 500 SH   DFND 0 500 0 0
TRANE TECHNOLOGIES PLC FOREIGN EQUITIES G8994E103 229 1,242 SH   SOLE 0 1,242 0 0
WHITE MTNS INS GROUP LTD COMMON STOCK G9618E107 115 100 SH   DFND 0 100 0 0
CHUBB LTD FOREIGN EQUITIES H1467J104 1,664 10,469 SH   SOLE 0 10,469 0 0
CHUBB LTD FOREIGN EQUITIES H1467J104 229 1,438 SH   DFND 0 1,438 0 0
UBS GROUP AG FOREIGN EQUITIES H42097107 15 1,000 SH   DFND 0 1,000 0 0
AFLAC INC COMMON STOCK 001055102 17 323 SH   SOLE 0 323 0 0
AGCO CORP COMMON STOCK 001084102 13 100 SH   DFND 0 100 0 0
AT&T INC COMMON STOCK 00206R102 6,562 228,092 SH   SOLE 0 228,092 0 0
AT&T INC COMMON STOCK 00206R102 1,296 45,035 SH   DFND 0 45,035 0 0
ARK FINTECH INNOVATION ETF ETF/EQUITY 00214Q708 2 40 SH   DFND 0 40 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100 5,025 43,347 SH   SOLE 0 43,347 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100 784 6,760 SH   DFND 0 6,760 0 0
ABBVIE INC COMMON STOCK 00287Y109 6,028 53,519 SH   SOLE 0 53,519 0 0
ABBVIE INC COMMON STOCK 00287Y109 1,021 9,067 SH   DFND 0 9,067 0 0
ADOBE INC COMMON STOCK 00724F101 657 1,122 SH   SOLE 0 1,122 0 0
AGILENT TECHNOLOGIES INC COMMON STOCK 00846U101 11 76 SH   DFND 0 76 0 0
AGENUS INC COMMON STOCK 00847G705 2 300 SH   SOLE 0 300 0 0
AIM IMMUNOTECH INC COMMON STOCK 00901B105 28 13,226 SH   SOLE 0 13,226 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 910 3,162 SH   SOLE 0 3,162 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 365 1,270 SH   DFND 0 1,270 0 0
ALBEMARLE CORP COMMON STOCK 012653101 1,208 7,170 SH   SOLE 0 7,170 0 0
ALBEMARLE CORP COMMON STOCK 012653101 472 2,800 SH   DFND 0 2,800 0 0
THE ALLSTATE CORPORATION COMMON STOCK 020002101 23 175 SH   DFND 0 175 0 0
ALPHABET INC CLASS C COMMON STOCK 02079K107 975 389 SH   SOLE 0 389 0 0
ALPHABET INC CLASS C COMMON STOCK 02079K107 308 123 SH   DFND 0 123 0 0
ALPHABET INC CLASS A COMMON STOCK 02079K305 3,001 1,229 SH   SOLE 0 1,229 0 0
ALPHABET INC CLASS A COMMON STOCK 02079K305 574 235 SH   DFND 0 235 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 274 5,737 SH   SOLE 0 5,737 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 104 2,179 SH   DFND 0 2,179 0 0
AMAZON.COM INC COMMON STOCK 023135106 2,769 805 SH   SOLE 0 805 0 0
AMAZON.COM INC COMMON STOCK 023135106 485 141 SH   DFND 0 141 0 0
AMEREN CORPORATION COMMON STOCK 023608102 200 2,498 SH   SOLE 0 2,498 0 0
AMERICAN ELECTRIC POWER CO COMMON STOCK 025537101 1,051 12,422 SH   SOLE 0 12,422 0 0
AMERICAN ELECTRIC POWER CO COMMON STOCK 025537101 279 3,300 SH   DFND 0 3,300 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 1,478 8,943 SH   SOLE 0 8,943 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 32 192 SH   DFND 0 192 0 0
AMERICAN TOWER CORP COMMON STOCK 03027X100 490 1,815 SH   SOLE 0 1,815 0 0
AMERICAN TOWER CORP COMMON STOCK 03027X100 1,351 5,000 SH   DFND 0 5,000 0 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103 308 2,000 SH   DFND 0 2,000 0 0
AMETEK INC COMMON STOCK 031100100 935 7,000 SH   DFND 0 7,000 0 0
AMGEN INC COMMON STOCK 031162100 2,716 11,143 SH   SOLE 0 11,143 0 0
AMGEN INC COMMON STOCK 031162100 715 2,935 SH   DFND 0 2,935 0 0
ANALOG DEVICES INC COMMON STOCK 032654105 20 116 SH   SOLE 0 116 0 0
ANTHEM INC COMMON STOCK 036752103 851 2,230 SH   SOLE 0 2,230 0 0
APPLE INC COMMON STOCK 037833100 57,670 421,074 SH   SOLE 0 421,074 0 0
APPLE INC COMMON STOCK 037833100 1,332 9,726 SH   DFND 0 9,726 0 0
ARROW FINANCIAL CORPORATION COMMON STOCK 042744102 129 3,592 SH   SOLE 0 3,592 0 0
ATOSSA THERAPEUTICS INC COMMON STOCK 04962H506 9 1,475 SH   SOLE 0 1,475 0 0
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 2,863 14,417 SH   SOLE 0 14,417 0 0
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 657 3,306 SH   DFND 0 3,306 0 0
BCE INC FOREIGN EQUITIES 05534B760 141 2,860 SH   SOLE 0 2,860 0 0
BCE INC FOREIGN EQUITIES 05534B760 17 340 SH   DFND 0 340 0 0
BP PLC ADR FOREIGN EQUITIES 055622104 60 2,260 SH   DFND 0 2,260 0 0
BANK OF AMERICA CORPORATION COMMON STOCK 060505104 1,122 27,229 SH   SOLE 0 27,229 0 0
BANK OF AMERICA CORPORATION COMMON STOCK 060505104 327 7,921 SH   DFND 0 7,921 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 134 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
BARRICK GOLD CORPORATION FOREIGN EQUITIES 067901108 4 200 SH   SOLE 0 200 0 0
BARRICK GOLD CORPORATION FOREIGN EQUITIES 067901108 9 415 SH   DFND 0 415 0 0
BAXTER INTERNATIONAL INC COMMON STOCK 071813109 835 10,375 SH   SOLE 0 10,375 0 0
BAXTER INTERNATIONAL INC COMMON STOCK 071813109 12 150 SH   DFND 0 150 0 0
BECTON DICKINSON AND COMPANY COMMON STOCK 075887109 1,007 4,140 SH   SOLE 0 4,140 0 0
BECTON DICKINSON AND COMPANY COMMON STOCK 075887109 243 1,000 SH   DFND 0 1,000 0 0
BERKSHIRE HATHAWAY INC B COMMON STOCK 084670702 1,435 5,165 SH   SOLE 0 5,165 0 0
BERKSHIRE HILLS BANCORP INC COMMON STOCK 084680107 7 264 SH   DFND 0 264 0 0
BHP GROUP LTD ADR FOREIGN EQUITIES 088606108 560 7,690 SH   SOLE 0 7,690 0 0
BHP GROUP LTD ADR FOREIGN EQUITIES 088606108 174 2,390 SH   DFND 0 2,390 0 0
BIOGEN INC COMMON STOCK 09062X103 277 800 SH   DFND 0 800 0 0
BIONTECH SE ADR FOREIGN EQUITIES 09075V102 34 150 SH   SOLE 0 150 0 0
BIONTECH SE ADR FOREIGN EQUITIES 09075V102 45 200 SH   DFND 0 200 0 0
BLACKBERRY LTD NPV FOREIGN EQUITIES 09228F103 3 250 SH   DFND 0 250 0 0
BLACKROCK INCOME TR INC CLOSED END MUTUAL FUNDS 09247F100 88 13,958 SH   SOLE 0 13,958 0 0
BLACKROCK INC COMMON STOCK 09247X101 595 680 SH   SOLE 0 680 0 0
BLACKROCK INC COMMON STOCK 09247X101 26 30 SH   DFND 0 30 0 0
BLACKROCK ENHANCED EQT DIV ETF/EQUITY 09251A104 58 5,703 SH   DFND 0 5,703 0 0
BLACKROCK FLOAT RATE STRAT CLOSED END MUTUAL FUNDS 09255X100 24 1,800 SH   SOLE 0 1,800 0 0
BLACKSTONE GROUP INC COMMON STOCK 09260D107 10 100 SH   SOLE 0 100 0 0
BLACKSTONE GROUP INC COMMON STOCK 09260D107 10 100 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 537 2,242 SH   SOLE 0 2,242 0 0
BOEING COMPANY COMMON STOCK 097023105 37 155 SH   DFND 0 155 0 0
BORGWARNER INC COMMON STOCK 099724106 5 100 SH   DFND 0 100 0 0
BRISTOL MYERS SQUIBB COMPANY COMMON STOCK 110122108 4,910 73,494 SH   SOLE 0 73,494 0 0
BRISTOL MYERS SQUIBB COMPANY COMMON STOCK 110122108 9,095 136,134 SH   DFND 0 136,134 0 0
BROOKFIELD ASSET MGMT INC CLASS A FOREIGN EQUITIES 112585104 78 1,525 SH   DFND 0 1,525 0 0
BROOKFIELD INFRASTRUCTURE CO FOREIGN EQUITIES 11275Q107 0 4 SH   DFND 0 4 0 0
C H ROBINSON WORLDWIDE INC COMMON STOCK 12541W209 1,364 14,562 SH   SOLE 0 14,562 0 0
C H ROBINSON WORLDWIDE INC COMMON STOCK 12541W209 91 967 SH   DFND 0 967 0 0
CIGNA CORP COMMON STOCK 125523100 144 607 SH   SOLE 0 607 0 0
CIGNA CORP COMMON STOCK 125523100 231 973 SH   DFND 0 973 0 0
CSX CORP COMMON STOCK 126408103 20 618 SH   SOLE 0 618 0 0
CSX CORP COMMON STOCK 126408103 1,924 60,000 SH   DFND 0 60,000 0 0
CVS HEALTH CORP COMMON STOCK 126650100 3,248 38,932 SH   SOLE 0 38,932 0 0
CVS HEALTH CORP COMMON STOCK 126650100 669 8,012 SH   DFND 0 8,012 0 0
CANADIAN PACIFIC RAILWAY LTD FOREIGN EQUITIES 13645T100 492 6,400 SH   SOLE 0 6,400 0 0
CARDINAL HEALTH INC COMMON STOCK 14149Y108 7 114 SH   SOLE 0 114 0 0
CARRIER GLOBAL CORPORATION COMMON STOCK 14448C104 269 5,534 SH   SOLE 0 5,534 0 0
CARRIER GLOBAL CORPORATION COMMON STOCK 14448C104 132 2,715 SH   DFND 0 2,715 0 0
CATERPILLAR INC COMMON STOCK 149123101 3,629 16,677 SH   SOLE 0 16,677 0 0
CATERPILLAR INC COMMON STOCK 149123101 478 2,197 SH   DFND 0 2,197 0 0
CEL SCI CORP COMMON STOCK 150837607 4 500 SH   SOLE 0 500 0 0
THE CHEMOURS CO COMMON STOCK 163851108 13 360 SH   DFND 0 360 0 0
CHEVRON CORP COMMON STOCK 166764100 3,600 34,375 SH   SOLE 0 34,375 0 0
CHEVRON CORP COMMON STOCK 166764100 746 7,123 SH   DFND 0 7,123 0 0
CHURCH & DWIGHT CO INC COMMON STOCK 171340102 170 2,000 SH   DFND 0 2,000 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 7,898 149,021 SH   SOLE 0 149,021 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 1,783 33,634 SH   DFND 0 33,634 0 0
CITIGROUP INC COMMON STOCK 172967424 5 73 SH   SOLE 0 73 0 0
CITIGROUP INC COMMON STOCK 172967424 7 100 SH   DFND 0 100 0 0
CLEANSPARK INC COMMON STOCK 18452B209 18 1,072 SH   SOLE 0 1,072 0 0
COCA COLA COMPANY COMMON STOCK 191216100 7,867 145,392 SH   SOLE 0 145,392 0 0
COCA COLA COMPANY COMMON STOCK 191216100 1,003 18,540 SH   DFND 0 18,540 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 998 12,263 SH   SOLE 0 12,263 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 561 6,896 SH   DFND 0 6,896 0 0
COMCAST CORP CLASS A COMMON STOCK 20030N101 3,879 68,034 SH   SOLE 0 68,034 0 0
COMCAST CORP CLASS A COMMON STOCK 20030N101 280 4,902 SH   DFND 0 4,902 0 0
COMMUNITY BK SYS INC COMMON STOCK 203607106 86 1,142 SH   SOLE 0 1,142 0 0
COMMUNITY BK SYS INC COMMON STOCK 203607106 10,178 134,546 SH   DFND 0 134,546 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 824 13,536 SH   SOLE 0 13,536 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 195 3,206 SH   DFND 0 3,206 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 316 4,410 SH   SOLE 0 4,410 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 76 1,055 SH   DFND 0 1,055 0 0
CONSTELLATION BRANDS INC CLASS A COMMON STOCK 21036P108 333 1,425 SH   SOLE 0 1,425 0 0
CONSTELLATION BRANDS INC CLASS A COMMON STOCK 21036P108 234 1,000 SH   DFND 0 1,000 0 0
COOPER COMPANIES INC COMMON STOCK 216648402 119 300 SH   DFND 0 300 0 0
CORNING INC COMMON STOCK 219350105 1,186 29,000 SH   SOLE 0 29,000 0 0
CORNING INC COMMON STOCK 219350105 89 2,175 SH   DFND 0 2,175 0 0
CORTEVA INC COMMON STOCK 22052L104 275 6,211 SH   SOLE 0 6,211 0 0
CORTEVA INC COMMON STOCK 22052L104 43 974 SH   DFND 0 974 0 0
COSTCO COMMON STOCK 22160K105 46 115 SH   SOLE 0 115 0 0
CUMMINS INC COMMON STOCK 231021106 2,341 9,600 SH   SOLE 0 9,600 0 0
CUMMINS INC COMMON STOCK 231021106 644 2,640 SH   DFND 0 2,640 0 0
CURIOSITYSTREAM INC CL A COMMON STOCK 23130Q107 15 1,109 SH   SOLE 0 1,109 0 0
DANAHER CORP COMMON STOCK 235851102 138 515 SH   SOLE 0 515 0 0
DARDEN RESTAURANTS INC COMMON STOCK 237194105 7 50 SH   SOLE 0 50 0 0
DEERE & COMPANY COMMON STOCK 244199105 35 100 SH   SOLE 0 100 0 0
DEERE & COMPANY COMMON STOCK 244199105 35 100 SH   DFND 0 100 0 0
DELL TECHNOLOGIES INC COMMON STOCK 24703L202 15 146 SH   SOLE 0 146 0 0
DIGI INTL INC COMMON STOCK 253798102 8 400 SH   DFND 0 400 0 0
DIME CMNTY BANCSHARES INC COMMON STOCK 25432X102 7 200 SH   SOLE 0 200 0 0
WALT DISNEY CO COMMON STOCK 254687106 4,508 25,650 SH   SOLE 0 25,650 0 0
WALT DISNEY CO COMMON STOCK 254687106 374 2,128 SH   DFND 0 2,128 0 0
DOLLAR GENERAL CORP COMMON STOCK 256677105 489 2,260 SH   SOLE 0 2,260 0 0
DOLLAR GENERAL CORP COMMON STOCK 256677105 76 350 SH   DFND 0 350 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109 3,535 48,058 SH   SOLE 0 48,058 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109 1,072 14,576 SH   DFND 0 14,576 0 0
DORCHESTER MINERALS LP COMMON STOCK 25820R105 959 56,922 SH   SOLE 0 56,922 0 0
DOW INC COMMON STOCK 260557103 3,629 57,355 SH   SOLE 0 57,355 0 0
DOW INC COMMON STOCK 260557103 310 4,895 SH   DFND 0 4,895 0 0
DRAFTKINGS INC CL A COMMON STOCK 26142R104 10 200 SH   SOLE 0 200 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204 511 5,178 SH   SOLE 0 5,178 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204 67 675 SH   DFND 0 675 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102 2,685 34,685 SH   SOLE 0 34,685 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102 298 3,850 SH   DFND 0 3,850 0 0
EOG RESOURCES INC COMMON STOCK 26875P101 119 1,421 SH   SOLE 0 1,421 0 0
EOG RESOURCES INC COMMON STOCK 26875P101 7 80 SH   DFND 0 80 0 0
THE HOYA CAPITAL HOUSING ETF ETF/EQUITY 26922A230 2 62 SH   DFND 0 62 0 0
ETFMG PRIME MOBILE PAYMENTS ETF/EQUITY 26924G409 2,590 36,775 SH   SOLE 0 36,695 0 80
ETFMG PRIME MOBILE PAYMENTS ETF/EQUITY 26924G409 17 240 SH   DFND 0 240 0 0
EASTMAN CHEMICAL CO COMMON STOCK 277432100 327 2,800 SH   SOLE 0 2,800 0 0
ECOLAB INC COMMON STOCK 278865100 192 934 SH   SOLE 0 934 0 0
ECOLAB INC COMMON STOCK 278865100 154 750 SH   DFND 0 750 0 0
EDISON INTL COMMON STOCK 281020107 167 2,887 SH   DFND 0 2,887 0 0
EMERSON ELECTRIC CO COMMON STOCK 291011104 4,914 51,061 SH   SOLE 0 51,061 0 0
EMERSON ELECTRIC CO COMMON STOCK 291011104 536 5,571 SH   DFND 0 5,571 0 0
ENBRIDGE INC FOREIGN EQUITIES 29250N105 126 3,148 SH   DFND 0 3,148 0 0
ENERGY TRANSFER EQUITY LP COMMON STOCK 29273V100 12 1,090 SH   DFND 0 1,090 0 0
ENTERPRISE PRODS PARTNERS LP COMMON STOCK 293792107 26 1,098 SH   SOLE 0 1,098 0 0
EQUIFAX INC COMMON STOCK 294429105 958 4,000 SH   DFND 0 4,000 0 0
ESSENTIAL UTILITIES INC COMMON STOCK 29670G102 340 7,449 SH   SOLE 0 7,449 0 0
ESSENTIAL UTILITIES INC COMMON STOCK 29670G102 47 1,025 SH   DFND 0 1,025 0 0
EXELON CORP COMMON STOCK 30161N101 1,144 25,816 SH   SOLE 0 25,816 0 0
EXELON CORP COMMON STOCK 30161N101 368 8,296 SH   DFND 0 8,296 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102 3,474 55,069 SH   SOLE 0 55,069 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102 1,095 17,362 SH   DFND 0 17,362 0 0
FS KKR CAPITAL CORP COMMON STOCK 302635206 13 621 SH   SOLE 0 621 0 0
FACEBOOK INC CLASS A COMMON STOCK 30303M102 94 270 SH   SOLE 0 270 0 0
FACEBOOK INC CLASS A COMMON STOCK 30303M102 98 283 SH   DFND 0 283 0 0
FASTENAL CO COMMON STOCK 311900104 501 9,632 SH   SOLE 0 9,632 0 0
FASTENAL CO COMMON STOCK 311900104 322 6,200 SH   DFND 0 6,200 0 0
FEDEX CORP COMMON STOCK 31428X106 64 215 SH   SOLE 0 215 0 0
FIDELITY NATL INFORMATION SV COMMON STOCK 31620M106 425 3,000 SH   DFND 0 3,000 0 0
FIFTH THIRD BANCORP COMMON STOCK 316773100 25 655 SH   DFND 0 655 0 0
FIRST SOLAR, INC. COMMON STOCK 336433107 453 5,000 SH   DFND 0 5,000 0 0
FIRST TRUST NASDAQ CLN EDGE ETF/EQUITY 33733E500 1 15 SH   DFND 0 15 0 0
FIRST TR NASDAQ CYB SEC ETF ETF/EQUITY 33734X846 1 32 SH   DFND 0 32 0 0
FLEXSHARES GLOBAL UPSTREAM NATURAL RESOURCES ETF/INTERNATIONAL EQUITY 33939L407 1,147 29,950 SH   SOLE 0 29,950 0 0
FLEXSHARES GLOBAL UPSTREAM NATURAL RESOURCES ETF/INTERNATIONAL EQUITY 33939L407 40 1,050 SH   DFND 0 1,050 0 0
FORD MOTOR COMPANY COMMON STOCK 345370860 3 200 SH   SOLE 0 200 0 0
FORD MOTOR COMPANY COMMON STOCK 345370860 36 2,416 SH   DFND 0 2,416 0 0
FORTUNE BRANDS HOME & SEC COMMON STOCK 34964C106 60 600 SH   SOLE 0 600 0 0
FRANCO NEVADA CORP FOREIGN EQUITIES 351858105 19 132 SH   DFND 0 132 0 0
FRESENIUS MEDICAL CARE AG & CO KGAA FOREIGN EQUITIES 358029106 4 100 SH   DFND 0 100 0 0
GABELLI MULTIMEDIA TR INC MUTUAL FUND LARGE CAP EQUITY 36239Q109 10 898 SH   DFND 0 898 0 0
GABELLI EQUITY TR INC CLOSED END MUTUAL FUNDS 362397101 7 1,000 SH   DFND 0 1,000 0 0
GABELLI EQUITY TR INC RIGHT 07/14/2021 WARRANTS & RIGHTS 362397218 0 1,000 SH   DFND 0 1,000 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 11 75 SH   DFND 0 75 0 0
GAP INC COMMON STOCK 364760108 77 2,300 SH   SOLE 0 2,300 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 1,822 9,676 SH   SOLE 0 9,676 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 72 382 SH   DFND 0 382 0 0
GENERAL ELECTRIC CO COMMON STOCK 369604103 294 21,859 SH   SOLE 0 21,859 0 0
GENERAL ELECTRIC CO COMMON STOCK 369604103 143 10,628 SH   DFND 0 10,628 0 0
GENERAL MILLS INC COMMON STOCK 370334104 2,733 44,848 SH   SOLE 0 44,848 0 0
GENERAL MILLS INC COMMON STOCK 370334104 522 8,570 SH   DFND 0 8,570 0 0
GEVO INC COMMON STOCK 374396406 7 951 SH   SOLE 0 951 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 1,208 17,537 SH   SOLE 0 17,537 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 213 3,100 SH   DFND 0 3,100 0 0
GLOBAL X US INFRASTRUCTURE DEV ETF ETF/EQUITY 37954Y673 2 95 SH   DFND 0 95 0 0
GLOBAL X ROBOTICS & AI ETF ETF/INTERNATIONAL EQUITY 37954Y715 2,457 70,315 SH   SOLE 0 70,230 0 85
GLOBAL X ROBOTICS & AI ETF ETF/INTERNATIONAL EQUITY 37954Y715 7 200 SH   DFND 0 200 0 0
GOLDMAN SACHS ACCESS ULTRAST ETF/FIXED INCOME 381430230 101 2,000 SH   SOLE 0 2,000 0 0
GOLDMAN SACHS JUST US LARGE CAP EQUITY ETF ETF/EQUITY 381430396 10 165 SH   SOLE 0 165 0 0
HARLEY DAVIDSON INC COMMON STOCK 412822108 9 200 SH   SOLE 0 200 0 0
HEAT BIOLOGICS INC COMMON STOCK 42237K409 4 560 SH   SOLE 0 560 0 0
HERSHEY CO COMMON STOCK 427866108 716 4,113 SH   SOLE 0 4,113 0 0
HERSHEY CO COMMON STOCK 427866108 246 1,410 SH   DFND 0 1,410 0 0
HOME DEPOT INC COMMON STOCK 437076102 3,104 9,734 SH   SOLE 0 9,734 0 0
HOME DEPOT INC COMMON STOCK 437076102 318 998 SH   DFND 0 998 0 0
HONEYWELL INTL INC COMMON STOCK 438516106 2,062 9,401 SH   SOLE 0 9,401 0 0
HONEYWELL INTL INC COMMON STOCK 438516106 57 259 SH   DFND 0 259 0 0
IEC ELECTRONICS CORPORATION COMMON STOCK 44949L105 2 200 SH   DFND 0 200 0 0
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109 4,284 19,162 SH   SOLE 0 19,162 0 0
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109 781 3,493 SH   DFND 0 3,493 0 0
INCYTE CORP COMMON STOCK 45337C102 8 100 SH   SOLE 0 100 0 0
INFINITY PHARMACEUTICALS INC COMMON STOCK 45665G303 18 6,000 SH   SOLE 0 6,000 0 0
INFUSYSTEMS HOLDINGS INC COMMON STOCK 45685K102 21 1,000 SH   SOLE 0 1,000 0 0
INGERSOLL RAND INC COMMON STOCK 45687V106 53 1,095 SH   SOLE 0 1,095 0 0
INTEL CORP COMMON STOCK 458140100 8,315 148,135 SH   SOLE 0 148,135 0 0
INTEL CORP COMMON STOCK 458140100 1,407 25,063 SH   DFND 0 25,063 0 0
INTL BUSINESS MACHINES CORP COMMON STOCK 459200101 8,216 56,051 SH   SOLE 0 56,051 0 0
INTL BUSINESS MACHINES CORP COMMON STOCK 459200101 11,393 77,723 SH   DFND 0 77,723 0 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103 10 156 SH   DFND 0 156 0 0
INVESCO ACTIVELY MANAGD ETF ULTRA SHRT DUR ETF/FIXED INCOME 46090A887 4,561 90,365 SH   SOLE 0 90,365 0 0
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 1,879 5,301 SH   SOLE 0 5,293 8 0
INVESCO QQQ TRUST ETF/EQUITY 46090E103 140 396 SH   DFND 0 396 0 0
INTUIT INC COMMON STOCK 461202103 10 20 SH   SOLE 0 20 0 0
INVESCO EXCHANGE TRADED FD TR WILDERHIL CLAN ETF/EQUITY 46137V134 30 323 SH   DFND 0 323 0 0
INVESCO EXCHANGE TRADED FD TWATER RES ETF ETF/EQUITY 46137V142 3 50 SH   SOLE 0 50 0 0
INVESCO S&P 500 PURE VAL ETF ETF/EQUITY 46137V258 4,262 55,235 SH   SOLE 0 55,155 0 80
INVESCO S&P 500 PURE VAL ETF ETF/EQUITY 46137V258 13 165 SH   DFND 0 165 0 0
INVESCO S&P 500 EQUAL WEIGHT ETF ETF/EQUITY 46137V357 6,029 40,000 SH   SOLE 0 40,000 0 0
INVESCO FTSE RAFI US1000 ETF ETF/EQUITY 46137V613 18 112 SH   SOLE 0 112 0 0
INVESCO DYNAMIC BLDNG CONSTR ETF/EQUITY 46137V779 692 13,960 SH   SOLE 0 13,900 0 60
INVESCO DYNAMIC BLDNG CONSTR ETF/EQUITY 46137V779 8 153 SH   DFND 0 153 0 0
INVESCO MSCI GLOBAL TIMBER ETF/EQUITY 46138E545 2 65 SH   DFND 0 65 0 0
INVESCO VARIABLE RATE PFD ETF/EQUITY 46138G870 1,709 65,000 SH   SOLE 0 65,000 0 0
INVESCO VARIABLE RATE PFD ETF/EQUITY 46138G870 16 600 SH   DFND 0 600 0 0
INVESCO BULLETSHS CORP 2023 ETF/FIXED INCOME 46138J866 9 430 SH   SOLE 0 430 0 0
IQVIA HLDGS INC COMMON STOCK 46266C105 67 275 SH   SOLE 0 275 0 0
IRIDIUM COMMUNICATIONS INC COMMON STOCK 46269C102 8 200 SH   DFND 0 200 0 0
ISHARES SILVER TRUST ETF/OTHER 46428Q109 23 945 SH   SOLE 0 945 0 0
ISHARES SILVER TRUST ETF/OTHER 46428Q109 45 1,872 SH   DFND 0 1,872 0 0
ISHARES GOLD TRUST ETF/OTHER 464285204 6,109 181,277 SH   SOLE 0 181,127 0 150
ISHARES GOLD TRUST ETF/OTHER 464285204 7 202 SH   DFND 0 202 0 0
ISHARES MSCI CANADA ETF ETF/INTERNATIONAL EQUITY 464286509 315 8,459 SH   SOLE 0 8,459 0 0
ISHARES SELECT DIVIDEND ETF ETF/EQUITY 464287168 83 710 SH   SOLE 0 710 0 0
ISHARES TIPS BOND ETF ETF/FIXED INCOME 464287176 8,159 63,736 SH   SOLE 0 63,736 0 0
ISHARES CORE S&P 500 ETF ETF/EQUITY 464287200 49,656 115,503 SH   SOLE 0 115,453 50 0
ISHARES CORE S&P 500 ETF ETF/EQUITY 464287200 213 496 SH   DFND 0 496 0 0
ISHARES CORE US AGGREGATE BOND ETF ETF/FIXED INCOME 464287226 7 61 SH   DFND 0 61 0 0
ISHARES MSCI EMERGING MKTS ETF ETF/INTERNATIONAL EQUITY 464287234 204 3,693 SH   SOLE 0 3,693 0 0
ISHARES MSCI EMERGING MKTS ETF ETF/INTERNATIONAL EQUITY 464287234 8 140 SH   DFND 0 140 0 0
ISHARES IBOXX $ INVMT GRADE CORP BOND ETF ETF/FIXED INCOME 464287242 220 1,636 SH   SOLE 0 1,596 40 0
ISHARES IBOXX $ INVMT GRADE CORP BOND ETF ETF/FIXED INCOME 464287242 57 425 SH   DFND 0 425 0 0
ISHARES S&P 500 GROWTH ETF ETF/EQUITY 464287309 928 12,755 SH   SOLE 0 12,755 0 0
ISHARES S&P 500 GROWTH ETF ETF/EQUITY 464287309 13 185 SH   DFND 0 185 0 0
ISHARES GLOBAL HEALTHCARE ETF/EQUITY 464287325 43 520 SH   SOLE 0 520 0 0
ISHARES S&P 500 VALUE ETF ETF/EQUITY 464287408 860 5,822 SH   SOLE 0 5,822 0 0
ISHARES S&P 500 VALUE ETF ETF/EQUITY 464287408 16 105 SH   DFND 0 105 0 0
ISHARES 7-10 YEAR TSY BOND ETF/FIXED INCOME 464287440 687 5,950 SH   SOLE 0 5,810 0 140
ISHARES 7-10 YEAR TSY BOND ETF/FIXED INCOME 464287440 12 100 SH   DFND 0 100 0 0
ISHARES 1-3 YR TREASURY BOND ETF/FIXED INCOME 464287457 6,447 74,840 SH   SOLE 0 74,840 0 0
ISHARES 1-3 YR TREASURY BOND ETF/FIXED INCOME 464287457 269 3,124 SH   DFND 0 3,124 0 0
ISHARES MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 464287465 3,032 38,443 SH   SOLE 0 38,443 0 0
ISHARES MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 464287465 898 11,387 SH   DFND 0 11,387 0 0
ISHARES RUSSELL MIDCAP VALUE ETF/EQUITY 464287473 4,580 39,832 SH   SOLE 0 39,832 0 0
ISHARES RUSSELL MIDCAP VALUE ETF/EQUITY 464287473 161 1,400 SH   DFND 0 1,400 0 0
ISHARES RUSSELL MID GROWTH ETF/EQUITY 464287481 5 40 SH   SOLE 0 40 0 0
ISHARES RUSSELL MIDCAP ETF ETF/EQUITY 464287499 19 242 SH   SOLE 0 242 0 0
ISHARES RUSSELL MIDCAP ETF ETF/EQUITY 464287499 141 1,774 SH   DFND 0 1,774 0 0
ISHARES CORE S&P MIDCAP ETF ETF/EQUITY 464287507 11,156 41,515 SH   SOLE 0 41,492 0 23
ISHARES CORE S&P MIDCAP ETF ETF/EQUITY 464287507 193 719 SH   DFND 0 719 0 0
ISHARES NASDAQ BIOTECHNOLOGYETF ETF/EQUITY 464287556 25 150 SH   SOLE 0 150 0 0
ISHARES RUSSELL 1000 VALUE ETF/EQUITY 464287598 3,525 22,226 SH   SOLE 0 22,091 0 135
ISHARES RUSSELL 1000 VALUE ETF/EQUITY 464287598 1,122 7,075 SH   DFND 0 7,075 0 0
ISHARES S&P MIDCAP 400 GROWTH ETF ETF/EQUITY 464287606 484 5,980 SH   SOLE 0 5,980 0 0
ISHARES S&P MIDCAP 400 GROWTH ETF ETF/EQUITY 464287606 49 600 SH   DFND 0 600 0 0
ISHARES RUSSELL 1000 GROWTH ETF ETF/EQUITY 464287614 6,700 24,682 SH   SOLE 0 24,597 0 85
ISHARES RUSSELL 1000 GROWTH ETF ETF/EQUITY 464287614 1,924 7,087 SH   DFND 0 7,087 0 0
ISHARES RUSSELL 2000 VALUE ETF/EQUITY 464287630 35 209 SH   DFND 0 209 0 0
ISHARES RUSSELL 2000 GROWTH ETF ETF/EQUITY 464287648 6 19 SH   SOLE 0 19 0 0
ISHARES RUSSELL 2000 GROWTH ETF ETF/EQUITY 464287648 44 141 SH   DFND 0 141 0 0
ISHARES RUSSELL 2000 ETF ETF/EQUITY 464287655 1,173 5,116 SH   SOLE 0 5,116 0 0
ISHARES RUSSELL 2000 ETF ETF/EQUITY 464287655 149 649 SH   DFND 0 649 0 0
ISHARES US TELECOM ETF ETF/EQUITY 464287713 2 48 SH   SOLE 0 48 0 0
ISHARES CORE S&P SMALLCAP ETF ETF/EQUITY 464287804 12,784 113,153 SH   SOLE 0 113,126 0 27
ISHARES CORE S&P SMALLCAP ETF ETF/EQUITY 464287804 1,535 13,586 SH   DFND 0 13,586 0 0
ISHARES TR S&P GTFIDX ETF ETF/INTERNATIONAL EQUITY 464288174 2 27 SH   DFND 0 27 0 0
ISHARES GLOBAL CLEAN ENERGY ETF/INTERNATIONAL EQUITY 464288224 291 12,400 SH   SOLE 0 12,400 0 0
ISHARES GLOBAL CLEAN ENERGY ETF/INTERNATIONAL EQUITY 464288224 24 1,020 SH   DFND 0 1,020 0 0
ISHARES MSCI ACWI EX US ETF ETF/INTERNATIONAL EQUITY 464288240 345 6,000 SH   SOLE 0 6,000 0 0
ISHARES MSCI ACWI ETF ETF/EQUITY 464288257 14,855 146,799 SH   SOLE 0 146,649 0 150
ISHARES MSCI ACWI ETF ETF/EQUITY 464288257 29 285 SH   DFND 0 285 0 0
ISHARES NEW YORK MUNI BOND ETF/FIXED INCOME 464288323 238 4,079 SH   SOLE 0 4,079 0 0
ISHARES TR S&P GLO INFRAS ETF/INTERNATIONAL EQUITY 464288372 2 53 SH   DFND 0 53 0 0
ISHARES IBOXX $ HIGH YIELD CORP BOND ETF ETF/FIXED INCOME 464288513 32 367 SH   SOLE 0 327 40 0
ISHARES IBOXX $ HIGH YIELD CORP BOND ETF ETF/FIXED INCOME 464288513 96 1,093 SH   DFND 0 1,093 0 0
ISHARES INTERMEDIATE CREDIT BOND ETF ETF/FIXED INCOME 464288638 67 1,100 SH   SOLE 0 1,100 0 0
ISHARES INTERMEDIATE CREDIT BOND ETF ETF/FIXED INCOME 464288638 30 496 SH   DFND 0 496 0 0
ISHARES SHORT TERM CORP BOND ETF/FIXED INCOME 464288646 1 25 SH   SOLE 0 25 0 0
ISHARES SHORT TERM CORP BOND ETF/FIXED INCOME 464288646 128 2,328 SH   DFND 0 2,328 0 0
ISHARES US PREFERRED STOCK ETF/OTHER 464288687 2,618 66,561 SH   SOLE 0 66,561 0 0
ISHARES US PREFERRED STOCK ETF/OTHER 464288687 193 4,895 SH   DFND 0 4,895 0 0
ISHARES US HOME CONSTRUCTION ETF/EQUITY 464288752 2 33 SH   DFND 0 33 0 0
ISHARES CORE HIGH DIVIDEND ETF/EQUITY 46429B663 86 890 SH   SOLE 0 890 0 0
ISHARES CORE HIGH DIVIDEND ETF/EQUITY 46429B663 23 240 SH   DFND 0 240 0 0
ISHARES EDGE MSCI MIN VOL EAFE ETF ETF/INTERNATIONAL EQUITY 46429B689 8 109 SH   DFND 0 109 0 0
ISHARES EDGE MSCI MIN VOL USA ETF ETF/EQUITY 46429B697 10,056 136,610 SH   SOLE 0 136,485 0 125
ISHARES EDGE MSCI MIN VOL USA ETF ETF/EQUITY 46429B697 20 270 SH   DFND 0 270 0 0
ISHARES EDGE MSCI USA QUALITY FACTOR ETF ETF/EQUITY 46432F339 73 550 SH   SOLE 0 550 0 0
ISHARES CORE MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 46432F842 41,848 559,021 SH   SOLE 0 558,656 50 315
ISHARES CORE MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 46432F842 583 7,782 SH   DFND 0 7,782 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 46434G103 14,946 223,113 SH   SOLE 0 222,933 0 180
ISHARES CORE MSCI EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 46434G103 35 522 SH   DFND 0 522 0 0
ISHARES MSCI GLOBAL MTL&MIN PRODUCERS ETF ETF/INTERNATIONAL EQUITY 46434G848 1 32 SH   DFND 0 32 0 0
ISHARES ESG MSCI EM ETF ETF/INTERNATIONAL EQUITY 46434G863 611 13,530 SH   SOLE 0 13,530 0 0
ISHARES 0-5 YR INVMT GR CORP ETF/FIXED INCOME 46434V100 43 835 SH   DFND 0 835 0 0
ISHARES MSCI INTL QUALITY FACTOR ETF ETF/INTERNATIONAL EQUITY 46434V456 62 1,600 SH   SOLE 0 1,600 0 0
ISHARES MSCI ACWI LOW CARBON ETF/EQUITY 46434V464 6 35 SH   SOLE 0 35 0 0
ISHARES CORE MSCI EUROPE ETF ETF/EQUITY 46434V738 1,919 33,515 SH   SOLE 0 33,465 0 50
ISHARES CORE MSCI EUROPE ETF ETF/EQUITY 46434V738 2 30 SH   DFND 0 30 0 0
ISHARES TR ESG AWRE 1 5 YR ETF/FIXED INCOME 46435G243 2 75 SH   SOLE 0 75 0 0
ISHARES TR ESG MSCI USA ETF (ESGU) ETF/EQUITY 46435G425 20 205 SH   SOLE 0 205 0 0
ISHARES TR ESG MSCI USA ETF (ESGU) ETF/EQUITY 46435G425 24 243 SH   DFND 0 243 0 0
ISHARES ESG ADV HIGH YIELD ETF/FIXED INCOME 46435G441 24 450 SH   SOLE 0 450 0 0
ISHARES ESG MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 46435G516 420 5,320 SH   SOLE 0 5,320 0 0
ISHARES CYBERSEC & TECH ETF ETF/EQUITY 46435U135 1 34 SH   DFND 0 34 0 0
ISHARES GENOMICS IMMUNOLOGY & HEALTHCARE ETF ETF/EQUITY 46435U192 18 350 SH   SOLE 0 350 0 0
ISHARES BB RATED CRP BND ETF ETF/FIXED INCOME 46435U473 1,790 34,185 SH   SOLE 0 33,950 0 235
ISHARES BB RATED CRP BND ETF ETF/FIXED INCOME 46435U473 14 265 SH   DFND 0 265 0 0
ISHARES ESG AWARE MSCI SMALLCAP ETF ETF/EQUITY 46435U663 1 25 SH   SOLE 0 25 0 0
ISHARES BROAD USD HIGH YIELDCORP BOND ETF ETF/FIXED INCOME 46435U853 3,368 80,725 SH   SOLE 0 80,455 0 270
ISHARES BROAD USD HIGH YIELDCORP BOND ETF ETF/FIXED INCOME 46435U853 15 360 SH   DFND 0 360 0 0
JPMORGAN CHASE & CO COMMON STOCK 46625H100 11,122 71,508 SH   SOLE 0 71,508 0 0
JPMORGAN CHASE & CO COMMON STOCK 46625H100 967 6,215 SH   DFND 0 6,215 0 0
JABIL CIRCUIT INC. COMMON STOCK 466313103 12 200 SH   SOLE 0 200 0 0
J P MORGAN EXCHANGE-TRADED FEQUITY PREMIUM ETF/EQUITY 46641Q332 5,648 93,270 SH   SOLE 0 93,270 0 0
JP MORGAN ULTRA SHORT INC ETF/FIXED INCOME 46641Q837 4,922 97,000 SH   SOLE 0 97,000 0 0
JP MORGAN ULTRA SHORT INC ETF/FIXED INCOME 46641Q837 6 120 SH   DFND 0 120 0 0
JACOBS ENGR GROUP INC. COMMON STOCK 469814107 26 194 SH   DFND 0 194 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 9,616 58,374 SH   SOLE 0 58,374 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 2,684 16,290 SH   DFND 0 16,290 0 0
JOUNCE THERAPEUTICS INC COMMON STOCK 481116101 7 1,000 SH   SOLE 0 1,000 0 0
KLA CORPORATION COMMON STOCK 482480100 133 410 SH   SOLE 0 410 0 0
KEYCORP COMMON STOCK 493267108 21 1,000 SH   SOLE 0 1,000 0 0
KEYCORP COMMON STOCK 493267108 10 500 SH   DFND 0 500 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 1,179 8,812 SH   SOLE 0 8,812 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 664 4,965 SH   DFND 0 4,965 0 0
KINDER MORGAN INC COMMON STOCK 49456B101 4 223 SH   SOLE 0 223 0 0
KRAFT HEINZ COMPANY COMMON STOCK 500754106 95 2,333 SH   DFND 0 2,333 0 0
KRANESHARES CHINA INTERNET ETF/INTERNATIONAL EQUITY 500767306 2,766 39,635 SH   SOLE 0 39,595 0 40
KRANESHARES CHINA INTERNET ETF/INTERNATIONAL EQUITY 500767306 9 130 SH   DFND 0 130 0 0
KRANESHARES BOSERA MSCI CHINA A ETF ETF/EQUITY 500767405 1,435 30,000 SH   SOLE 0 30,000 0 0
KROGER COMPANY COMMON STOCK 501044101 14 370 SH   SOLE 0 370 0 0
LGL SYS ACQUISITION CORP COMMON STOCK 50201G106 5 500 SH   DFND 0 500 0 0
L3HARRIS TECHNOLOGIES INC COMMON STOCK 502431109 6 30 SH   DFND 0 30 0 0
ESTEE LAUDER COMP INC CL A COMMON STOCK 518439104 32 100 SH   SOLE 0 100 0 0
LIBERTY ALL STAR EQUITY FD CLOSED END MUTUAL FUNDS 530158104 65 7,208 SH   DFND 0 7,208 0 0
ELI LILLY AND COMPANY COMMON STOCK 532457108 810 3,530 SH   SOLE 0 3,530 0 0
ELI LILLY AND COMPANY COMMON STOCK 532457108 349 1,522 SH   DFND 0 1,522 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 609 1,611 SH   SOLE 0 1,611 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 219 580 SH   DFND 0 580 0 0
LOEWS CORP COMMON STOCK 540424108 71 1,300 SH   DFND 0 1,300 0 0
LOWES COMPANIES INC COMMON STOCK 548661107 4,441 22,895 SH   SOLE 0 22,895 0 0
LOWES COMPANIES INC COMMON STOCK 548661107 244 1,257 SH   DFND 0 1,257 0 0
LUMEN TECHNOLOGIES INC COMMON STOCK 550241103 16 1,150 SH   SOLE 0 1,150 0 0
M & T BANK CORP COMMON STOCK 55261F104 246 1,693 SH   SOLE 0 1,693 0 0
M & T BANK CORP COMMON STOCK 55261F104 1,199 8,248 SH   DFND 0 8,248 0 0
MP MATERIALS CORP CL A COMMON STOCK 553368101 6 150 SH   DFND 0 150 0 0
MAGNA INTERNATIONAL INC FOREIGN EQUITIES 559222401 67 720 SH   SOLE 0 720 0 0
ECOFIN DIGTL PYMNTS INFRSTRC ETF/EQUITY 56167N548 2 45 SH   DFND 0 45 0 0
MANULIFE FINL CORP FOREIGN EQUITIES 56501R106 295 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 119 100 SH   DFND 0 100 0 0
MASTERCARD INC CLASS A COMMON STOCK 57636Q104 345 945 SH   SOLE 0 945 0 0
MASTERCARD INC CLASS A COMMON STOCK 57636Q104 18 50 SH   DFND 0 50 0 0
MCDONALDS CORP COMMON STOCK 580135101 3,938 17,050 SH   SOLE 0 17,050 0 0
MCDONALDS CORP COMMON STOCK 580135101 437 1,894 SH   DFND 0 1,894 0 0
MCKESSON CORP COMMON STOCK 58155Q103 51 266 SH   SOLE 0 266 0 0
MCKESSON CORP COMMON STOCK 58155Q103 669 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 8,594 110,501 SH   SOLE 0 110,501 0 0
MERCK & COMPANY INC COMMON STOCK 58933Y105 1,408 18,111 SH   DFND 0 18,111 0 0
METLIFE INC COMMON STOCK 59156R108 12 200 SH   SOLE 0 200 0 0
METTLER-TOLEDO INTL COMMON STOCK 592688105 1,385 1,000 SH   DFND 0 1,000 0 0
MICROSOFT CORP COMMON STOCK 594918104 17,888 66,034 SH   SOLE 0 66,034 0 0
MICROSOFT CORP COMMON STOCK 594918104 2,900 10,705 SH   DFND 0 10,705 0 0
MODERNA INC COMMON STOCK 60770K107 47 200 SH   SOLE 0 200 0 0
MOLINA HEALTHCARE INC COMMON STOCK 60855R100 13 50 SH   SOLE 0 50 0 0
MONDELEZ INTL INC CL A COMMON STOCK 609207105 528 8,459 SH   SOLE 0 8,459 0 0
MONDELEZ INTL INC CL A COMMON STOCK 609207105 286 4,575 SH   DFND 0 4,575 0 0
MORGAN STANLEY EMER MKTS DEBCOM MUTUAL FUNDS INTL FIXED INCOME 61744H105 9 1,000 SH   SOLE 0 1,000 0 0
MORGAN STANLEY COMMON STOCK 617446448 614 6,697 SH   SOLE 0 6,697 0 0
NBT BANCORP INC COMMON STOCK 628778102 830 23,067 SH   SOLE 0 23,067 0 0
NBT BANCORP INC COMMON STOCK 628778102 1,163 32,328 SH   DFND 0 32,328 0 0
NATIONAL FUEL GAS COMPANY COMMON STOCK 636180101 37 700 SH   SOLE 0 700 0 0
NATIONAL FUEL GAS COMPANY COMMON STOCK 636180101 171 3,266 SH   DFND 0 3,266 0 0
NATIONAL GRID PLC ADR FOREIGN EQUITIES 636274409 85 1,323 SH   DFND 0 1,323 0 0
NEW YORK CMNTY BANCORP INC COMMON STOCK 649445103 11 1,000 SH   SOLE 0 1,000 0 0
NEW YORK CMNTY BANCORP INC COMMON STOCK 649445103 2 175 SH   DFND 0 175 0 0
NEXSTAR MEDIA GROUP CLASS A COMMON STOCK 65336K103 7 50 SH   SOLE 0 50 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 2,670 36,434 SH   SOLE 0 36,434 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 1,643 22,415 SH   DFND 0 22,415 0 0
NIKE INC CLASS B COMMON STOCK 654106103 3,915 25,341 SH   SOLE 0 25,341 0 0
NIKE INC CLASS B COMMON STOCK 654106103 274 1,771 SH   DFND 0 1,771 0 0
NIKOLA CORP COMMON STOCK 654110105 4 200 SH   SOLE 0 200 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 2,127 8,013 SH   SOLE 0 8,013 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 318 1,200 SH   DFND 0 1,200 0 0
NORTHROP GRUMMAN CORP COMMON STOCK 666807102 85 235 SH   SOLE 0 235 0 0
NORTHROP GRUMMAN CORP COMMON STOCK 666807102 73 200 SH   DFND 0 200 0 0
NORWOOD FINANCIAL CORP COMMON STOCK 669549107 280 10,767 SH   SOLE 0 10,767 0 0
NOVARTIS AG ADR FOREIGN EQUITIES 66987V109 421 4,616 SH   SOLE 0 4,616 0 0
NOVARTIS AG ADR FOREIGN EQUITIES 66987V109 309 3,390 SH   DFND 0 3,390 0 0
NUCOR CORP COMMON STOCK 670346105 4,474 46,641 SH   SOLE 0 46,641 0 0
NUCOR CORP COMMON STOCK 670346105 815 8,501 SH   DFND 0 8,501 0 0
NUVEEN AMT FREE QLTY MUN INC CLOSED END MUTUAL FUNDS 670657105 27 1,750 SH   SOLE 0 1,750 0 0
NVIDIA CORPORATION COMMON STOCK 67066G104 228 285 SH   SOLE 0 285 0 0
NUVEEN QUALITY MUNICIPAL INCOME FUND CLOSED END MUTUAL FUNDS 67066V101 13 800 SH   SOLE 0 800 0 0
NUVEEN AMT FREE MUNI CR INC CLOSED END MUTUAL FUNDS 67071L106 54 3,000 SH   SOLE 0 3,000 0 0
OKTA INC CL A COMMON STOCK 679295105 49 200 SH   DFND 0 200 0 0
OMNICOM GROUP INC COMMON STOCK 681919106 3,050 38,124 SH   SOLE 0 38,124 0 0
OMNICOM GROUP INC COMMON STOCK 681919106 180 2,245 SH   DFND 0 2,245 0 0
OMEGA HEALTHCARE INV INC COMMON STOCK 681936100 30 827 SH   SOLE 0 827 0 0
ONEOK INC COMMON STOCK 682680103 22 394 SH   SOLE 0 394 0 0
ORACLE CORP COMMON STOCK 68389X105 831 10,682 SH   SOLE 0 10,682 0 0
ORACLE CORP COMMON STOCK 68389X105 11 140 SH   DFND 0 140 0 0
ORANGE SA ADR FOREIGN EQUITIES 684060106 11 1,000 SH   DFND 0 1,000 0 0
ORGANON & CO COMMON STOCK 68622V106 287 9,507 SH   SOLE 0 9,507 0 0
ORGANON & CO COMMON STOCK 68622V106 53 1,738 SH   DFND 0 1,738 0 0
OTIS WORLDWIDE CORP COMMON STOCK 68902V107 203 2,481 SH   SOLE 0 2,481 0 0
OTIS WORLDWIDE CORP COMMON STOCK 68902V107 111 1,354 SH   DFND 0 1,354 0 0
PNC FINL SVCS GROUP INC COMMON STOCK 693475105 2,826 14,812 SH   SOLE 0 14,812 0 0
PNC FINL SVCS GROUP INC COMMON STOCK 693475105 10 55 SH   DFND 0 55 0 0
PPG INDUSTRIES INC COMMON STOCK 693506107 437 2,577 SH   SOLE 0 2,577 0 0
PPG INDUSTRIES INC COMMON STOCK 693506107 41 240 SH   DFND 0 240 0 0
PPL CORP COMMON STOCK 69351T106 1,828 65,365 SH   SOLE 0 65,365 0 0
PPL CORP COMMON STOCK 69351T106 115 4,125 SH   DFND 0 4,125 0 0
PACER BENCHMARK DATA&INFRAS RE SECTOR ETF ETF/EQUITY 69374H741 3,024 74,970 SH   SOLE 0 74,825 0 145
PACER BENCHMARK DATA&INFRAS RE SECTOR ETF ETF/EQUITY 69374H741 7 180 SH   DFND 0 180 0 0
PACER BNCHMRK INDSTR RE SCTR ETF/EQUITY 69374H766 1,921 44,530 SH   SOLE 0 44,460 0 70
PACER BNCHMRK INDSTR RE SCTR ETF/EQUITY 69374H766 2 40 SH   DFND 0 40 0 0
PALO ALTO NETWORKS INC COMMON STOCK 697435105 45 120 SH   SOLE 0 120 0 0
PAVMED INC COMMON STOCK 70387R106 32 5,000 SH   DFND 0 5,000 0 0
PAYCOM SOFTWARE INC COMMON STOCK 70432V102 73 200 SH   DFND 0 200 0 0
PAYCHEX INC COMMON STOCK 704326107 54 500 SH   SOLE 0 500 0 0
PAYCHEX INC COMMON STOCK 704326107 72 675 SH   DFND 0 675 0 0
PEOPLES FINL SVCS CORP COMMON STOCK 711040105 52 1,218 SH   SOLE 0 1,218 0 0
PEOPLES UNITED FINANCIAL INC COMMON STOCK 712704105 60 3,500 SH   SOLE 0 3,500 0 0
PEOPLES UNITED FINANCIAL INC COMMON STOCK 712704105 26 1,500 SH   DFND 0 1,500 0 0
PEPSICO INC COMMON STOCK 713448108 7,922 53,464 SH   SOLE 0 53,464 0 0
PEPSICO INC COMMON STOCK 713448108 1,786 12,055 SH   DFND 0 12,055 0 0
PFIZER INC COMMON STOCK 717081103 5,488 140,189 SH   SOLE 0 140,189 0 0
PFIZER INC COMMON STOCK 717081103 1,311 33,483 SH   DFND 0 33,483 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109 457 4,608 SH   SOLE 0 4,608 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109 92 929 SH   DFND 0 929 0 0
PHILLIPS 66 COMMON STOCK 718546104 998 11,625 SH   SOLE 0 11,625 0 0
PHILLIPS 66 COMMON STOCK 718546104 137 1,600 SH   DFND 0 1,600 0 0
PIMCO ENHANCED SHORT MAT ESG ETF/FIXED INCOME 72201R643 101 1,000 SH   SOLE 0 1,000 0 0
PIMCO ENHANCED LOW DURATION ETF/FIXED INCOME 72201R718 2,136 21,000 SH   SOLE 0 21,000 0 0
PIMCO ENHANCED SHORT MATURE ACTIVE ETF ETF/FIXED INCOME 72201R833 1,653 16,206 SH   SOLE 0 16,000 0 206
PINNACLE WEST CPTL CORP COMMON STOCK 723484101 164 2,000 SH   SOLE 0 2,000 0 0
PLAINS ALL AMERICAN PIPELINE COMMON STOCK 726503105 34 3,000 SH   DFND 0 3,000 0 0
PRINCIPAL SPECTRUM PFD SEC ETF/EQUITY 74255Y888 2,710 130,780 SH   SOLE 0 130,780 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 7,465 55,326 SH   SOLE 0 55,326 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 1,058 7,844 SH   DFND 0 7,844 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102 6 58 SH   SOLE 0 58 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102 35 337 SH   DFND 0 337 0 0
PUBLIC SVC ENTERPRISE GROUP COMMON STOCK 744573106 4,739 79,322 SH   SOLE 0 79,322 0 0
PUBLIC SVC ENTERPRISE GROUP COMMON STOCK 744573106 1,168 19,547 SH   DFND 0 19,547 0 0
PULTE GROUP INC COMMON STOCK 745867101 11 210 SH   DFND 0 210 0 0
QUALCOMM INC COMMON STOCK 747525103 2,170 15,179 SH   SOLE 0 15,179 0 0
QUALCOMM INC COMMON STOCK 747525103 397 2,775 SH   DFND 0 2,775 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 2,273 26,644 SH   SOLE 0 26,644 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 594 6,967 SH   DFND 0 6,967 0 0
REALTY INCOME CORP COMMON STOCK 756109104 19 284 SH   SOLE 0 284 0 0
REGULUS THERAPEUTICS INC COMMON STOCK 75915K200 6 6,900 SH   SOLE 0 6,900 0 0
REPUBLIC SERVICES INC COMMON STOCK 760759100 11 100 SH   SOLE 0 100 0 0
RIBBONS COMMUNICATIONS INC COMMON STOCK 762544104 11 1,400 SH   SOLE 0 1,400 0 0
RIO TINTO PLC ADR FOREIGN EQUITIES 767204100 319 3,800 SH   SOLE 0 3,800 0 0
RIO TINTO PLC ADR FOREIGN EQUITIES 767204100 380 4,535 SH   DFND 0 4,535 0 0
ROCKWELL AUTOMATION INC COMMON STOCK 773903109 429 1,500 SH   SOLE 0 1,500 0 0
ROCKWELL AUTOMATION INC COMMON STOCK 773903109 50 175 SH   DFND 0 175 0 0
ROPER INDS INC COMMON STOCK 776696106 329 700 SH   DFND 0 700 0 0
ROYAL BANK OF CANADA FOREIGN EQUITIES 780087102 1,419 14,005 SH   SOLE 0 14,005 0 0
ROYAL BANK OF CANADA FOREIGN EQUITIES 780087102 129 1,274 SH   DFND 0 1,274 0 0
ROYAL DUTCH SHELL PLC CL A FOREIGN EQUITIES 780259206 45 1,110 SH   SOLE 0 1,110 0 0
ROYAL DUTCH SHELL PLC CL A FOREIGN EQUITIES 780259206 11 260 SH   DFND 0 260 0 0
ROYAL GOLD INC COMMON STOCK 780287108 5 43 SH   DFND 0 43 0 0
S&P GLOBAL INC COMMON STOCK 78409V104 369 900 SH   DFND 0 900 0 0
SPDR S&P 500 ETF ETF/EQUITY 78462F103 8,104 18,932 SH   SOLE 0 18,932 0 0
SPDR S&P 500 ETF ETF/EQUITY 78462F103 824 1,926 SH   DFND 0 1,926 0 0
SPDR GOLD SHARES ETF/OTHER 78463V107 734 4,432 SH   SOLE 0 4,432 0 0
SPDR GOLD SHARES ETF/OTHER 78463V107 837 5,055 SH   DFND 0 5,055 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 17 450 SH   DFND 0 450 0 0
SPDR PORTFOLIO S&P500 GROWTH ETF/EQUITY 78464A409 737 11,710 SH   SOLE 0 11,710 0 0
SPDR PORTFOLIO S&P 500 VALUE ETF/EQUITY 78464A508 761 19,250 SH   SOLE 0 19,250 0 0
SPDR S&P TRANSPORTATION ETF ETF/EQUITY 78464A532 3 34 SH   DFND 0 34 0 0
SPDR INTERMEDIATE TREASURY ETF/FIXED INCOME 78464A672 110 3,390 SH   SOLE 0 3,390 0 0
SPDR S&P BIOTECH ETF ETF/EQUITY 78464A870 133 980 SH   SOLE 0 980 0 0
SPDR SERIES TRUST S&P HOMEBUILD ETF/EQUITY 78464A888 2,684 36,640 SH   SOLE 0 36,550 0 90
SPDR SERIES TRUST S&P HOMEBUILD ETF/EQUITY 78464A888 14 185 SH   DFND 0 185 0 0
SPDR BLACKSTONE/GSO SENIOR LOAN ETF ETF/FIXED INCOME 78467V608 3,519 76,012 SH   SOLE 0 75,824 0 188
SPDR BLACKSTONE/GSO SENIOR LOAN ETF ETF/FIXED INCOME 78467V608 34 725 SH   DFND 0 725 0 0
SPDR DOUBLELINE TOTAL RETURNTACT ETF ETF/FIXED INCOME 78467V848 5,699 117,750 SH   SOLE 0 117,750 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 7,095 14,449 SH   SOLE 0 14,433 16 0
SPDR S&P MIDCAP 400 ETF ETF/EQUITY 78467Y107 1,521 3,098 SH   DFND 0 3,098 0 0
SPDR BBB SHORT TERM HIGH YIELD BOND ETF ETF/FIXED INCOME 78468R408 63 2,300 SH   SOLE 0 2,300 0 0
SPDR PORTFOLIO SMALLCAP ETF ETF/EQUITY 78468R853 16 365 SH   SOLE 0 365 0 0
SPDR DOUBLELINE SHRT DUR ETF/FIXED INCOME 78470P200 18 360 SH   SOLE 0 360 0 0
SALESFORCE.COM INC COMMON STOCK 79466L302 111 454 SH   SOLE 0 454 0 0
SCHLUMBERGER LTD FOREIGN EQUITIES 806857108 105 3,268 SH   SOLE 0 3,268 0 0
SCHLUMBERGER LTD FOREIGN EQUITIES 806857108 85 2,650 SH   DFND 0 2,650 0 0
SCHWAB US SMALL CAP ETF ETF/EQUITY 808524607 4,002 38,413 SH   SOLE 0 38,338 75 0
SCHWAB US SMALL CAP ETF ETF/EQUITY 808524607 211 2,027 SH   DFND 0 2,027 0 0
SCHWAB US DIVIDEND EQUITY ETF ETF/EQUITY 808524797 26 350 SH   SOLE 0 350 0 0
MATERIALS SELECT SECTOR SPDR ETF/EQUITY 81369Y100 295 3,587 SH   SOLE 0 3,587 0 0
MATERIALS SELECT SECTOR SPDR ETF/EQUITY 81369Y100 822 9,985 SH   DFND 0 9,985 0 0
HEALTH CARE SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y209 380 3,020 SH   SOLE 0 3,020 0 0
CONSUMER STAPLES SECTOR SPDR ETF/EQUITY 81369Y308 311 4,447 SH   SOLE 0 4,447 0 0
CONSUMER STAPLES SECTOR SPDR ETF/EQUITY 81369Y308 22 310 SH   DFND 0 310 0 0
CONSUMER DISCRET SEL SECT SPDR ETF ETF/EQUITY 81369Y407 337 1,890 SH   SOLE 0 1,890 0 0
CONSUMER DISCRET SEL SECT SPDR ETF ETF/EQUITY 81369Y407 35 197 SH   DFND 0 197 0 0
ENERGY SELECT SECTOR SPDR ETF/EQUITY 81369Y506 1,712 31,792 SH   SOLE 0 31,792 0 0
ENERGY SELECT SECTOR SPDR ETF/EQUITY 81369Y506 155 2,885 SH   DFND 0 2,885 0 0
SPDR FINANCIAL SELECT SECTOR ETF/EQUITY 81369Y605 124 3,382 SH   SOLE 0 3,382 0 0
SPDR INDUSTRIALS (XLI) ETF/EQUITY 81369Y704 106 1,040 SH   SOLE 0 1,040 0 0
TECHNOLOGY SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y803 707 4,785 SH   SOLE 0 4,785 0 0
TECHNOLOGY SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y803 551 3,733 SH   DFND 0 3,733 0 0
SELECT SECTOR SPDR TR COMMUNICATION ETF/EQUITY 81369Y852 230 2,842 SH   SOLE 0 2,842 0 0
UTILITIES SELECT SECTOR SPDR ETF/EQUITY 81369Y886 338 5,340 SH   SOLE 0 5,340 0 0
UTILITIES SELECT SECTOR SPDR ETF/EQUITY 81369Y886 38 607 SH   DFND 0 607 0 0
SEMPRA ENERGY COMMON STOCK 816851109 775 5,851 SH   SOLE 0 5,851 0 0
SEMPRA ENERGY COMMON STOCK 816851109 180 1,360 SH   DFND 0 1,360 0 0
SIERRA WIRELESS INC FOREIGN EQUITIES 826516106 19 1,000 SH   DFND 0 1,000 0 0
SIRIUS XM HOLDINGS INC COMMON STOCK 82968B103 33 5,000 SH   DFND 0 5,000 0 0
SORRENTO THERAPEUTICS INC COMMON STOCK 83587F202 5 500 SH   DFND 0 500 0 0
SOUTHERN COMPANY COMMON STOCK 842587107 1,018 16,822 SH   SOLE 0 16,822 0 0
SOUTHERN COMPANY COMMON STOCK 842587107 199 3,290 SH   DFND 0 3,290 0 0
AEROSYSTEMS HLDGS INC CL A COMMON STOCK 848574109 14 300 SH   DFND 0 300 0 0
SPROTT PHYSICAL GOLD TRUST ETF/OTHER 85207H104 674 48,065 SH   SOLE 0 48,065 0 0
SPROTT PHYSICAL GOLD TRUST ETF/OTHER 85207H104 1 48 SH   DFND 0 48 0 0
STANLEY BLACK & DECKER INC COMMON STOCK 854502101 410 2,000 SH   DFND 0 2,000 0 0
STARBUCKS CORP COMMON STOCK 855244109 1,329 11,889 SH   SOLE 0 11,889 0 0
STARBUCKS CORP COMMON STOCK 855244109 47 420 SH   DFND 0 420 0 0
STATE STREET CORP COMMON STOCK 857477103 184 2,238 SH   SOLE 0 2,238 0 0
STATE STREET CORP COMMON STOCK 857477103 66 800 SH   DFND 0 800 0 0
STERICYCLE INC COMMON STOCK 858912108 172 2,400 SH   DFND 0 2,400 0 0
STERLING BANCORP DEL COMMON STOCK 85917A100 12 500 SH   SOLE 0 500 0 0
STRYKER CORP COMMON STOCK 863667101 1,815 6,990 SH   SOLE 0 6,990 0 0
STRYKER CORP COMMON STOCK 863667101 49 189 SH   DFND 0 189 0 0
SUBURBAN PROPANE PARTNERS LP COMMON STOCK 864482104 10 660 SH   SOLE 0 660 0 0
SUBURBAN PROPANE PARTNERS LP COMMON STOCK 864482104 0 10 SH   DFND 0 10 0 0
SUN COMMUNITIES INC COMMON STOCK 866674104 52 301 SH   SOLE 0 301 0 0
SUNCOKE ENERGY INC COMMON STOCK 86722A103 2 218 SH   DFND 0 218 0 0
SUNCOR ENERGY INC FOREIGN EQUITIES 867224107 60 2,500 SH   DFND 0 2,500 0 0
SYSCO CORP COMMON STOCK 871829107 1,302 16,749 SH   SOLE 0 16,749 0 0
SYSCO CORP COMMON STOCK 871829107 790 10,165 SH   DFND 0 10,165 0 0
TJX COMPANIES COMMON STOCK 872540109 347 5,148 SH   SOLE 0 5,148 0 0
TJX COMPANIES COMMON STOCK 872540109 18 273 SH   DFND 0 273 0 0
TARGET CORP COMMON STOCK 87612E106 1,040 4,303 SH   SOLE 0 4,303 0 0
TARGET CORP COMMON STOCK 87612E106 28 117 SH   DFND 0 117 0 0
TC ENERGY CORP FOREIGN EQUITIES 87807B107 307 6,200 SH   SOLE 0 6,200 0 0
TELEDYNE TECHNOLOGIES INC COMMON STOCK 879360105 78 187 SH   DFND 0 187 0 0
TENARIS SA ADR FOREIGN EQUITIES 88031M109 22 1,000 SH   SOLE 0 1,000 0 0
TESLA MOTORS INC COMMON STOCK 88160R101 20 29 SH   SOLE 0 29 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 5,532 28,770 SH   SOLE 0 28,770 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 578 3,005 SH   DFND 0 3,005 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 809 1,604 SH   SOLE 0 1,604 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 277 550 SH   DFND 0 550 0 0
THOMSON REUTERS CORP FOREIGN EQUITIES 884903709 149 1,500 SH   SOLE 0 1,500 0 0
3M COMPANY COMMON STOCK 88579Y101 6,314 31,786 SH   SOLE 0 31,786 0 0
3M COMPANY COMMON STOCK 88579Y101 706 3,552 SH   DFND 0 3,552 0 0
TOMPKINS FINANCIAL CORP COMMON STOCK 890110109 190 2,450 SH   SOLE 0 2,450 0 0
TOMPKINS FINANCIAL CORP COMMON STOCK 890110109 349 4,500 SH   DFND 0 4,500 0 0
TORONTO DOMINION BANK FOREIGN EQUITIES 891160509 892 12,731 SH   SOLE 0 12,731 0 0
TORONTO DOMINION BANK FOREIGN EQUITIES 891160509 58 825 SH   DFND 0 825 0 0
TOTAL SA ADR FOREIGN EQUITIES 89151E109 57 1,265 SH   SOLE 0 1,265 0 0
TOYOTA MOTOR CORP FOREIGN EQUITIES 892331307 35 200 SH   SOLE 0 200 0 0
TOYOTA MOTOR CORP FOREIGN EQUITIES 892331307 105 600 SH   DFND 0 600 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109 1,292 8,630 SH   SOLE 0 8,630 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109 41 275 SH   DFND 0 275 0 0
TRILLIUM THERAPEUTICS INC COMMON STOCK 89620X506 6 600 SH   DFND 0 600 0 0
TRUIST FINANCIAL CORP COMMON STOCK 89832Q109 1,938 34,917 SH   SOLE 0 34,917 0 0
TRUIST FINANCIAL CORP COMMON STOCK 89832Q109 172 3,100 SH   DFND 0 3,100 0 0
TRUSTCO BANK CORP COMMON STOCK 898349204 6 168 SH   DFND 0 168 0 0
TWITTER INC COMMON STOCK 90184L102 2 22 SH   DFND 0 22 0 0
II-VI INC COMMON STOCK 902104108 15 200 SH   DFND 0 200 0 0
US BANCORP COMMON STOCK 902973304 2,498 43,852 SH   SOLE 0 43,852 0 0
US BANCORP COMMON STOCK 902973304 583 10,232 SH   DFND 0 10,232 0 0
UNION PACIFIC CORP COMMON STOCK 907818108 976 4,437 SH   SOLE 0 4,437 0 0
UNION PACIFIC CORP COMMON STOCK 907818108 667 3,035 SH   DFND 0 3,035 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 5,200 25,002 SH   SOLE 0 25,002 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 415 1,996 SH   DFND 0 1,996 0 0
UNITED STATES STEEL CORP COMMON STOCK 912909108 1 35 SH   DFND 0 35 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 2,681 6,696 SH   SOLE 0 6,696 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 511 1,275 SH   DFND 0 1,275 0 0
UNITI GROUP INC COMMON STOCK 91325V108 2 200 SH   DFND 0 200 0 0
VF CORP COMMON STOCK 918204108 822 10,024 SH   SOLE 0 10,024 0 0
VF CORP COMMON STOCK 918204108 36 434 SH   DFND 0 434 0 0
VBI VACCINES INC COMMON STOCK 91822J103 28 8,500 SH   SOLE 0 8,500 0 0
VALERO ENERGY CORP COMMON STOCK 91913Y100 23 300 SH   SOLE 0 300 0 0
VALLEY NATL BANCORP COMMON STOCK 919794107 206 15,356 SH   SOLE 0 15,356 0 0
VANECK VECTORS GOLD MINERS ETF ETF/INTERNATIONAL EQUITY 92189F106 174 5,115 SH   SOLE 0 5,065 0 50
VANECK VECTORS GOLD MINERS ETF ETF/INTERNATIONAL EQUITY 92189F106 681 20,045 SH   DFND 0 20,045 0 0
VANECK VECTORS ETF TR GREEN BD ETF ETF/FIXED INCOME 92189F171 5 190 SH   SOLE 0 190 0 0
VANECK VECTORS CHINAAMC CHINA BOND ETF ETF/INTERNATIONAL FIXED INCOME 92189F379 14 600 SH   DFND 0 600 0 0
VANGUARD DIVIDEND APPRECIATION ETF ETF/EQUITY 921908844 1,279 8,263 SH   SOLE 0 8,263 0 0
VANGUARD DIVIDEND APPRECIATION ETF ETF/EQUITY 921908844 539 3,480 SH   DFND 0 3,480 0 0
VANGUARD TOTAL INTL STOCK ETF ETF/INTERNATIONAL EQUITY 921909768 211 3,212 SH   SOLE 0 3,212 0 0
VANGUARD MEGA CAP GROWTH ETF/EQUITY 921910816 20 85 SH   SOLE 0 85 0 0
VANGUARD SHORT TERM BOND ETF ETF/FIXED INCOME 921937827 856 10,422 SH   SOLE 0 10,102 0 320
VANGUARD SHORT TERM BOND ETF ETF/FIXED INCOME 921937827 146 1,772 SH   DFND 0 1,772 0 0
VANGUARD TOTAL BOND MRKT ETF ETF/FIXED INCOME 921937835 1,073 12,492 SH   SOLE 0 12,367 125 0
VANGUARD TOTAL BOND MRKT ETF ETF/FIXED INCOME 921937835 132 1,539 SH   DFND 0 1,539 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF/INTERNATIONAL EQUITY 921943858 531 10,308 SH   SOLE 0 10,308 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF/INTERNATIONAL EQUITY 921943858 221 4,297 SH   DFND 0 4,297 0 0
VANGUARD HIGH DIVIDEND YIELD ETF/EQUITY 921946406 105 1,006 SH   SOLE 0 1,006 0 0
VANGUARD HIGH DIVIDEND YIELD ETF/EQUITY 921946406 37 350 SH   DFND 0 350 0 0
VANGUARD ULTRA SHORT TERM ETF/FIXED INCOME 92203C303 100 2,000 SH   SOLE 0 2,000 0 0
VANGUARD FINANCIALS ETF ETF/EQUITY 92204A405 553 6,115 SH   SOLE 0 6,115 0 0
VANGUARD FINANCIALS ETF ETF/EQUITY 92204A405 242 2,678 SH   DFND 0 2,678 0 0
VANGUARD HEALTH CARE ETF ETF/EQUITY 92204A504 78 317 SH   DFND 0 317 0 0
VANGUARD INDUSTRIALS ETF ETF/EQUITY 92204A603 864 4,400 SH   DFND 0 4,400 0 0
VANGUARD INFO TECH ETF ETF/EQUITY 92204A702 1,290 3,235 SH   SOLE 0 3,235 0 0
VANGUARD INFO TECH ETF ETF/EQUITY 92204A702 400 1,004 SH   DFND 0 1,004 0 0
VANGUARD UTILITIES ETF ETF/EQUITY 92204A876 94 680 SH   SOLE 0 680 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 922042858 3,437 63,277 SH   SOLE 0 63,212 65 0
VANGUARD FTSE EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 922042858 618 11,377 SH   DFND 0 11,377 0 0
VANGUARD INTL EQUITY INDEX FMSCI EUROPE ETF ETF/INTERNATIONAL EQUITY 922042874 6 84 SH   DFND 0 84 0 0
VANGUARD SHORT TERM CORP BOND ETF ETF/FIXED INCOME 92206C409 2,542 30,733 SH   SOLE 0 30,668 65 0
VANGUARD SHORT TERM CORP BOND ETF ETF/FIXED INCOME 92206C409 741 8,964 SH   DFND 0 8,964 0 0
VANGUARD INTERM-TERM GOVT BDETF ETF/FIXED INCOME 92206C706 338 4,980 SH   SOLE 0 4,845 0 135
VANGUARD INTERM-TERM GOVT BDETF ETF/FIXED INCOME 92206C706 5 75 SH   DFND 0 75 0 0
VANGUARD LONG TERM TREASURY ETF/FIXED INCOME 92206C847 21 245 SH   SOLE 0 245 0 0
VANGUARD INTERM TERM CORP BDETF ETF/FIXED INCOME 92206C870 7,840 82,470 SH   SOLE 0 82,430 0 40
VANGUARD INTERM TERM CORP BDETF ETF/FIXED INCOME 92206C870 18 190 SH   DFND 0 190 0 0
VANGUARD S&P 500 ETF ETF/EQUITY 922908363 899 2,285 SH   SOLE 0 2,285 0 0
VANGUARD MIDCAP VALUE ETF ETF/EQUITY 922908512 32 225 SH   SOLE 0 225 0 0
VANGUARD MIDCAP VALUE ETF ETF/EQUITY 922908512 50 354 SH   DFND 0 354 0 0
VANGUARD MIDCAP GROWTH ETF ETF/EQUITY 922908538 73 309 SH   DFND 0 309 0 0
VANGUARD REIT ETF ETF/EQUITY 922908553 1,244 12,217 SH   SOLE 0 12,217 0 0
VANGUARD REIT ETF ETF/EQUITY 922908553 50 496 SH   DFND 0 496 0 0
VANGUARD SMALLCAP GROWTH ETF ETF/EQUITY 922908595 19 65 SH   SOLE 0 65 0 0
VANGUARD SMALLCAP VALUE ETF ETF/EQUITY 922908611 243 1,400 SH   SOLE 0 1,400 0 0
VANGUARD MIDCAP ETF ETF/EQUITY 922908629 166 698 SH   SOLE 0 698 0 0
VANGUARD EXTENDED MKT IDX ETF/EQUITY 922908652 1 5 SH   SOLE 0 5 0 0
VANGUARD EXTENDED MKT IDX ETF/EQUITY 922908652 7 35 SH   DFND 0 35 0 0
VANGUARD GROWTH ETF ETF/EQUITY 922908736 60 210 SH   SOLE 0 210 0 0
VANGUARD GROWTH ETF ETF/EQUITY 922908736 103 360 SH   DFND 0 360 0 0
VANGUARD SMALLCAP ETF ETF/EQUITY 922908751 234 1,038 SH   SOLE 0 1,038 0 0
VANGUARD TOTAL STOCK MARKET ETF ETF/EQUITY 922908769 14,254 63,969 SH   DFND 0 63,969 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 8,566 152,915 SH   SOLE 0 152,915 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 2,164 38,636 SH   DFND 0 38,636 0 0
VIATRIS INC COMMON STOCK 92556V106 111 7,766 SH   SOLE 0 7,766 0 0
VIATRIS INC COMMON STOCK 92556V106 45 3,135 SH   DFND 0 3,135 0 0
VISA INC CLASS A COMMON STOCK 92826C839 2,051 8,770 SH   SOLE 0 8,770 0 0
VISA INC CLASS A COMMON STOCK 92826C839 82 349 SH   DFND 0 349 0 0
WABTEC CORP COMMON STOCK 929740108 0 6 SH   SOLE 0 6 0 0
WABTEC CORP COMMON STOCK 929740108 3 38 SH   DFND 0 38 0 0
WAL MART STORES INC COMMON STOCK 931142103 4,827 34,230 SH   SOLE 0 34,230 0 0
WAL MART STORES INC COMMON STOCK 931142103 1,369 9,710 SH   DFND 0 9,710 0 0
WALGREENS BOOTS ALLIANCE INC COMMON STOCK 931427108 21 390 SH   SOLE 0 390 0 0
WALGREENS BOOTS ALLIANCE INC COMMON STOCK 931427108 65 1,235 SH   DFND 0 1,235 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109 276 1,967 SH   SOLE 0 1,967 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109 95 675 SH   DFND 0 675 0 0
WELLS FARGO & CO COMMON STOCK 949746101 11 250 SH   SOLE 0 250 0 0
WELLTOWER INC COMMON STOCK 95040Q104 17 200 SH   DFND 0 200 0 0
WEYERHAEUSER CO COMMON STOCK 962166104 55 1,600 SH   SOLE 0 1,600 0 0
WILLIAMS COMPANIES INC COMMON STOCK 969457100 265 10,000 SH   DFND 0 10,000 0 0
WISDOMTREE US HIGH DIVIDEND ETF ETF/EQUITY 97717W208 1,301 16,630 SH   SOLE 0 16,630 0 0
WISDOMTREE US HIGH DIVIDEND ETF ETF/EQUITY 97717W208 32 412 SH   DFND 0 412 0 0
SPDR GOLD MINISHARES ETF/OTHER 98149E204 89 5,065 SH   SOLE 0 5,065 0 0
XYLEM INC COMMON STOCK 98419M100 8 68 SH   SOLE 0 68 0 0
XEROX HOLDINGS CORP COMMON STOCK 98421M106 6 250 SH   SOLE 0 250 0 0
ZEBRA TECHNOLOGIES CORP CL A COMMON STOCK 989207105 106 200 SH   DFND 0 200 0 0
ZIMMER HOLDINGS INC COMMON STOCK 98956P102 643 4,000 SH   DFND 0 4,000 0 0