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 44 331 SH   SOLE 0 331 0 0
AMCOR PLC FOREIGN EQUITIES G0250X107 2,042 170,049 SH   SOLE 0 170,049 0 0
AMCOR PLC FOREIGN EQUITIES G0250X107 207 17,230 SH   DFND 0 17,230 0 0
EATON CORP PLC FOREIGN EQUITIES G29183103 35 200 SH   SOLE 0 200 0 0
EATON CORP PLC FOREIGN EQUITIES G29183103 319 1,848 SH   DFND 0 1,848 0 0
LINDE PLC FOREIGN EQUITIES G5494J103 58 166 SH   SOLE 0 166 0 0
MEDTRONIC PLC FOREIGN EQUITIES G5960L103 331 3,201 SH   SOLE 0 3,201 0 0
MEDTRONIC PLC FOREIGN EQUITIES G5960L103 10 100 SH   DFND 0 100 0 0
TRANE TECHNOLOGIES PLC FOREIGN EQUITIES G8994E103 251 1,242 SH   SOLE 0 1,242 0 0
WHITE MTNS INS GROUP LTD FOREIGN EQUITIES G9618E107 33 33 SH   SOLE 0 33 0 0
WHITE MTNS INS GROUP LTD FOREIGN EQUITIES G9618E107 34 34 SH   DFND 0 34 0 0
CHUBB LTD FOREIGN EQUITIES H1467J104 1,957 10,122 SH   SOLE 0 10,122 0 0
CHUBB LTD FOREIGN EQUITIES H1467J104 267 1,383 SH   DFND 0 1,383 0 0
UBS GROUP AG FOREIGN EQUITIES H42097107 18 1,000 SH   DFND 0 1,000 0 0
ABB LTD ADR FOREIGN EQUITIES 000375204 23 600 SH   SOLE 0 600 0 0
AFLAC INC COMMON STOCK 001055102 273 4,673 SH   SOLE 0 4,673 0 0
AFLAC INC COMMON STOCK 001055102 10 175 SH   DFND 0 175 0 0
AGCO CORP COMMON STOCK 001084102 12 100 SH   DFND 0 100 0 0
AT&T INC COMMON STOCK 00206R102 3,866 157,225 SH   SOLE 0 157,225 0 0
AT&T INC COMMON STOCK 00206R102 558 22,701 SH   DFND 0 22,701 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100 5,488 38,996 SH   SOLE 0 38,996 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100 941 6,685 SH   DFND 0 6,685 0 0
ABBVIE INC COMMON STOCK 00287Y109 7,199 53,167 SH   SOLE 0 53,167 0 0
ABBVIE INC COMMON STOCK 00287Y109 1,179 8,709 SH   DFND 0 8,709 0 0
ADOBE INC COMMON STOCK 00724F101 616 1,086 SH   SOLE 0 1,086 0 0
AGILENT TECHNOLOGIES INC COMMON STOCK 00846U101 12 76 SH   DFND 0 76 0 0
AGENUS INC COMMON STOCK 00847G705 1 300 SH   SOLE 0 300 0 0
AIM IMMUNOTECH INC COMMON STOCK 00901B105 12 13,226 SH   SOLE 0 13,226 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 879 2,889 SH   SOLE 0 2,889 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 386 1,270 SH   DFND 0 1,270 0 0
ALBEMARLE CORP COMMON STOCK 012653101 1,461 6,250 SH   SOLE 0 6,250 0 0
ALBEMARLE CORP COMMON STOCK 012653101 655 2,800 SH   DFND 0 2,800 0 0
ALGONQUIN PWR UTILS CORP FOREIGN EQUITIES 015857105 14 1,000 SH   SOLE 0 1,000 0 0
THE ALLSTATE CORPORATION COMMON STOCK 020002101 35 300 SH   SOLE 0 300 0 0
THE ALLSTATE CORPORATION COMMON STOCK 020002101 21 175 SH   DFND 0 175 0 0
ALPHABET INC CLASS C COMMON STOCK 02079K107 715 247 SH   SOLE 0 247 0 0
ALPHABET INC CLASS C COMMON STOCK 02079K107 356 123 SH   DFND 0 123 0 0
ALPHABET INC CLASS A COMMON STOCK 02079K305 3,479 1,201 SH   SOLE 0 1,201 0 0
ALPHABET INC CLASS A COMMON STOCK 02079K305 672 232 SH   DFND 0 232 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 142 2,987 SH   SOLE 0 2,987 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 103 2,179 SH   DFND 0 2,179 0 0
AMAZON.COM INC COMMON STOCK 023135106 2,991 897 SH   SOLE 0 897 0 0
AMAZON.COM INC COMMON STOCK 023135106 493 148 SH   DFND 0 148 0 0
AMEREN CORPORATION COMMON STOCK 023608102 222 2,498 SH   SOLE 0 2,498 0 0
AMERICAN ELECTRIC POWER CO COMMON STOCK 025537101 1,220 13,717 SH   SOLE 0 13,717 0 0
AMERICAN ELECTRIC POWER CO COMMON STOCK 025537101 200 2,250 SH   DFND 0 2,250 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 1,367 8,353 SH   SOLE 0 8,353 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 31 192 SH   DFND 0 192 0 0
AMERICAN TOWER CORP COMMON STOCK 03027X100 744 2,545 SH   SOLE 0 2,545 0 0
AMERICAN TOWER CORP COMMON STOCK 03027X100 1,056 3,610 SH   DFND 0 3,610 0 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103 19 100 SH   SOLE 0 100 0 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103 378 2,000 SH   DFND 0 2,000 0 0
AMETEK INC COMMON STOCK 031100100 147 1,000 SH   SOLE 0 1,000 0 0
AMETEK INC COMMON STOCK 031100100 735 5,000 SH   DFND 0 5,000 0 0
AMGEN INC COMMON STOCK 031162100 2,626 11,671 SH   SOLE 0 11,671 0 0
AMGEN INC COMMON STOCK 031162100 746 3,316 SH   DFND 0 3,316 0 0
ANALOG DEVICES INC COMMON STOCK 032654105 231 1,316 SH   SOLE 0 1,316 0 0
ANTHEM INC COMMON STOCK 036752103 800 1,725 SH   SOLE 0 1,725 0 0
APPLE INC COMMON STOCK 037833100 73,367 413,172 SH   SOLE 0 413,172 0 0
APPLE INC COMMON STOCK 037833100 1,206 6,791 SH   DFND 0 6,791 0 0
APPLIED MATERIALS INC COMMON STOCK 038222105 16 100 SH   SOLE 0 100 0 0
ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102 233 3,450 SH   SOLE 0 3,450 0 0
ARROW FINANCIAL CORPORATION COMMON STOCK 042744102 130 3,699 SH   SOLE 0 3,699 0 0
ATOSSA THERAPEUTICS INC COMMON STOCK 04962H506 2 1,475 SH   SOLE 0 1,475 0 0
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 3,260 13,222 SH   SOLE 0 13,222 0 0
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 596 2,419 SH   DFND 0 2,419 0 0
BCE INC FOREIGN EQUITIES 05534B760 18 340 SH   DFND 0 340 0 0
BP PLC ADR FOREIGN EQUITIES 055622104 51 1,910 SH   DFND 0 1,910 0 0
BANK OF AMERICA CORPORATION COMMON STOCK 060505104 1,097 24,655 SH   SOLE 0 24,655 0 0
BANK OF AMERICA CORPORATION COMMON STOCK 060505104 352 7,921 SH   DFND 0 7,921 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 109 1,881 SH   SOLE 0 1,881 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 21 353 SH   DFND 0 353 0 0
BANK OF NOVA SCOTIA FOREIGN EQUITIES 064149107 14 200 SH   SOLE 0 200 0 0
BARRICK GOLD CORPORATION FOREIGN EQUITIES 067901108 11 600 SH   SOLE 0 600 0 0
BARRICK GOLD CORPORATION FOREIGN EQUITIES 067901108 8 415 SH   DFND 0 415 0 0
BAXTER INTERNATIONAL INC COMMON STOCK 071813109 1,125 13,110 SH   SOLE 0 13,110 0 0
BAXTER INTERNATIONAL INC COMMON STOCK 071813109 30 350 SH   DFND 0 350 0 0
BECTON DICKINSON AND COMPANY COMMON STOCK 075887109 1,086 4,320 SH   SOLE 0 4,320 0 0
BECTON DICKINSON AND COMPANY COMMON STOCK 075887109 251 1,000 SH   DFND 0 1,000 0 0
BERKSHIRE HATHAWAY INC B COMMON STOCK 084670702 493 1,648 SH   SOLE 0 1,648 0 0
BERKSHIRE HILLS BANCORP INC COMMON STOCK 084680107 8 264 SH   DFND 0 264 0 0
BHP GROUP LTD ADR FOREIGN EQUITIES 088606108 394 6,525 SH   SOLE 0 6,525 0 0
BHP GROUP LTD ADR FOREIGN EQUITIES 088606108 127 2,100 SH   DFND 0 2,100 0 0
BIOGEN INC COMMON STOCK 09062X103 192 800 SH   DFND 0 800 0 0
BIONTECH SE ADR FOREIGN EQUITIES 09075V102 39 150 SH   SOLE 0 150 0 0
BIONTECH SE ADR FOREIGN EQUITIES 09075V102 52 200 SH   DFND 0 200 0 0
BLACKBERRY LTD NPV FOREIGN EQUITIES 09228F103 1 83 SH   DFND 0 83 0 0
BLACKROCK INCOME TR INC CLOSED END MUTUAL FUNDS 09247F100 72 12,758 SH   SOLE 0 12,758 0 0
BLACKROCK INC COMMON STOCK 09247X101 636 695 SH   SOLE 0 695 0 0
BLACKROCK INC COMMON STOCK 09247X101 27 30 SH   DFND 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 13 100 SH   SOLE 0 100 0 0
BLACKSTONE GROUP INC COMMON STOCK 09260D107 13 100 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 401 1,993 SH   SOLE 0 1,993 0 0
BOEING COMPANY COMMON STOCK 097023105 20 100 SH   DFND 0 100 0 0
BORGWARNER INC COMMON STOCK 099724106 462 10,250 SH   SOLE 0 10,250 0 0
BORGWARNER INC COMMON STOCK 099724106 15 325 SH   DFND 0 325 0 0
BOX INC CL A COMMON STOCK 10316T104 5 200 SH   SOLE 0 200 0 0
BRISTOL MYERS SQUIBB COMPANY COMMON STOCK 110122108 6,139 98,460 SH   SOLE 0 98,460 0 0
BRISTOL MYERS SQUIBB COMPANY COMMON STOCK 110122108 6,676 107,069 SH   DFND 0 107,069 0 0
BROADCOM INC COMMON STOCK 11135F101 472 710 SH   SOLE 0 710 0 0
BROADCOM INC COMMON STOCK 11135F101 13 20 SH   DFND 0 20 0 0
BROOKFIELD ASSET MGMT INC CLASS A FOREIGN EQUITIES 112585104 92 1,528 SH   DFND 0 1,528 0 0
C H ROBINSON WORLDWIDE INC COMMON STOCK 12541W209 207 1,920 SH   SOLE 0 1,920 0 0
C H ROBINSON WORLDWIDE INC COMMON STOCK 12541W209 32 300 SH   DFND 0 300 0 0
CIGNA CORP COMMON STOCK 125523100 235 1,023 SH   SOLE 0 1,023 0 0
CIGNA CORP COMMON STOCK 125523100 74 324 SH   DFND 0 324 0 0
CSX CORP COMMON STOCK 126408103 414 11,013 SH   SOLE 0 11,013 0 0
CSX CORP COMMON STOCK 126408103 1,642 43,680 SH   DFND 0 43,680 0 0
CVS HEALTH CORP COMMON STOCK 126650100 3,867 37,482 SH   SOLE 0 37,482 0 0
CVS HEALTH CORP COMMON STOCK 126650100 831 8,055 SH   DFND 0 8,055 0 0
CARDINAL HEALTH INC COMMON STOCK 14149Y108 6 114 SH   SOLE 0 114 0 0
CARRIER GLOBAL CORPORATION COMMON STOCK 14448C104 350 6,460 SH   SOLE 0 6,460 0 0
CARRIER GLOBAL CORPORATION COMMON STOCK 14448C104 140 2,585 SH   DFND 0 2,585 0 0
CATERPILLAR INC COMMON STOCK 149123101 3,833 18,538 SH   SOLE 0 18,538 0 0
CATERPILLAR INC COMMON STOCK 149123101 500 2,417 SH   DFND 0 2,417 0 0
CEL SCI CORP COMMON STOCK 150837607 4 500 SH   SOLE 0 500 0 0
THE CHEMOURS CO COMMON STOCK 163851108 12 360 SH   DFND 0 360 0 0
CHEVRON CORP COMMON STOCK 166764100 3,643 31,045 SH   SOLE 0 31,045 0 0
CHEVRON CORP COMMON STOCK 166764100 803 6,841 SH   DFND 0 6,841 0 0
CHURCH & DWIGHT CO INC COMMON STOCK 171340102 205 2,000 SH   DFND 0 2,000 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 9,624 151,897 SH   SOLE 0 151,897 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 2,059 32,493 SH   DFND 0 32,493 0 0
CITIGROUP INC COMMON STOCK 172967424 4 63 SH   SOLE 0 63 0 0
COCA COLA COMPANY COMMON STOCK 191216100 7,893 133,333 SH   SOLE 0 133,333 0 0
COCA COLA COMPANY COMMON STOCK 191216100 1,011 17,081 SH   DFND 0 17,081 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 1,140 13,364 SH   SOLE 0 13,364 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 577 6,766 SH   DFND 0 6,766 0 0
COMCAST CORP CLASS A COMMON STOCK 20030N101 3,135 62,298 SH   SOLE 0 62,298 0 0
COMCAST CORP CLASS A COMMON STOCK 20030N101 239 4,752 SH   DFND 0 4,752 0 0
COMMUNITY BK SYS INC COMMON STOCK 203607106 85 1,142 SH   SOLE 0 1,142 0 0
COMMUNITY BK SYS INC COMMON STOCK 203607106 9,965 133,816 SH   DFND 0 133,816 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 886 12,277 SH   SOLE 0 12,277 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 231 3,206 SH   DFND 0 3,206 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 257 3,010 SH   SOLE 0 3,010 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 90 1,055 SH   DFND 0 1,055 0 0
CONSTELLATION BRANDS INC CLASS A COMMON STOCK 21036P108 333 1,325 SH   SOLE 0 1,325 0 0
CONSTELLATION BRANDS INC CLASS A COMMON STOCK 21036P108 251 1,000 SH   DFND 0 1,000 0 0
COOPER COMPANIES INC COMMON STOCK 216648402 70 166 SH   SOLE 0 166 0 0
COOPER COMPANIES INC COMMON STOCK 216648402 42 100 SH   DFND 0 100 0 0
CORNING INC COMMON STOCK 219350105 1,040 27,946 SH   SOLE 0 27,946 0 0
CORNING INC COMMON STOCK 219350105 81 2,175 SH   DFND 0 2,175 0 0
CORTEVA INC COMMON STOCK 22052L104 257 5,446 SH   SOLE 0 5,446 0 0
CORTEVA INC COMMON STOCK 22052L104 46 974 SH   DFND 0 974 0 0
COSTCO COMMON STOCK 22160K105 134 236 SH   SOLE 0 236 0 0
CUMMINS INC COMMON STOCK 231021106 1,990 9,122 SH   SOLE 0 9,122 0 0
CUMMINS INC COMMON STOCK 231021106 500 2,290 SH   DFND 0 2,290 0 0
DANAHER CORP COMMON STOCK 235851102 156 475 SH   SOLE 0 475 0 0
DARDEN RESTAURANTS INC COMMON STOCK 237194105 8 50 SH   SOLE 0 50 0 0
DEERE & COMPANY COMMON STOCK 244199105 34 100 SH   SOLE 0 100 0 0
DEERE & COMPANY COMMON STOCK 244199105 34 100 SH   DFND 0 100 0 0
DIGI INTL INC COMMON STOCK 253798102 10 400 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 3,403 21,971 SH   SOLE 0 21,971 0 0
WALT DISNEY CO COMMON STOCK 254687106 330 2,128 SH   DFND 0 2,128 0 0
DISCOVER FINANCIAL SERVICES COMMON STOCK 254709108 23 200 SH   SOLE 0 200 0 0
DOLLAR GENERAL CORP COMMON STOCK 256677105 524 2,220 SH   SOLE 0 2,220 0 0
DOLLAR GENERAL CORP COMMON STOCK 256677105 116 490 SH   DFND 0 490 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109 3,544 45,112 SH   SOLE 0 45,112 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109 1,122 14,277 SH   DFND 0 14,277 0 0
DORCHESTER MINERALS LP COMMON STOCK 25820R105 1,050 53,060 SH   SOLE 0 53,060 0 0
DOW INC COMMON STOCK 260557103 2,847 50,190 SH   SOLE 0 50,190 0 0
DOW INC COMMON STOCK 260557103 201 3,545 SH   DFND 0 3,545 0 0
DRAFTKINGS INC CL A COMMON STOCK 26142R104 5 200 SH   SOLE 0 200 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204 539 5,136 SH   SOLE 0 5,136 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204 71 675 SH   DFND 0 675 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102 3,203 39,649 SH   SOLE 0 39,649 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102 201 2,485 SH   DFND 0 2,485 0 0
EOG RESOURCES INC COMMON STOCK 26875P101 255 2,870 SH   SOLE 0 2,870 0 0
EOG RESOURCES INC COMMON STOCK 26875P101 4 50 SH   DFND 0 50 0 0
THE HOYA CAPITAL HOUSING ETF ETF/EQUITY 26922A230 3 62 SH   DFND 0 62 0 0
EASTMAN CHEMICAL CO COMMON STOCK 277432100 339 2,800 SH   SOLE 0 2,800 0 0
ECOLAB INC COMMON STOCK 278865100 265 1,130 SH   SOLE 0 1,130 0 0
ECOLAB INC COMMON STOCK 278865100 59 250 SH   DFND 0 250 0 0
EDISON INTL COMMON STOCK 281020107 34 500 SH   SOLE 0 500 0 0
EDISON INTL COMMON STOCK 281020107 129 1,887 SH   DFND 0 1,887 0 0
EMERSON ELECTRIC CO COMMON STOCK 291011104 4,752 51,110 SH   SOLE 0 51,110 0 0
EMERSON ELECTRIC CO COMMON STOCK 291011104 369 3,969 SH   DFND 0 3,969 0 0
ENBRIDGE INC FOREIGN EQUITIES 29250N105 41 1,050 SH   SOLE 0 1,050 0 0
ENBRIDGE INC FOREIGN EQUITIES 29250N105 41 1,049 SH   DFND 0 1,049 0 0
ENERGY TRANSFER EQUITY LP COMMON STOCK 29273V100 9 1,090 SH   DFND 0 1,090 0 0
ENTERPRISE PRODS PARTNERS LP COMMON STOCK 293792107 24 1,098 SH   SOLE 0 1,098 0 0
EQUIFAX INC COMMON STOCK 294429105 351 1,200 SH   SOLE 0 1,200 0 0
EQUIFAX INC COMMON STOCK 294429105 761 2,600 SH   DFND 0 2,600 0 0
ERICSSON L M TEL CO ADR B SEK 10 FOREIGN EQUITIES 294821608 18 1,640 SH   SOLE 0 1,640 0 0
ESSENTIAL UTILITIES INC COMMON STOCK 29670G102 644 12,004 SH   SOLE 0 12,004 0 0
ESSENTIAL UTILITIES INC COMMON STOCK 29670G102 66 1,225 SH   DFND 0 1,225 0 0
EXELON CORP COMMON STOCK 30161N101 1,092 18,902 SH   SOLE 0 18,902 0 0
EXELON CORP COMMON STOCK 30161N101 441 7,630 SH   DFND 0 7,630 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102 2,936 47,992 SH   SOLE 0 47,992 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102 867 14,172 SH   DFND 0 14,172 0 0
FS KKR CAPITAL CORP COMMON STOCK 302635206 13 621 SH   SOLE 0 621 0 0
META PLATFORMS INC COMMON STOCK 30303M102 106 315 SH   SOLE 0 315 0 0
META PLATFORMS INC COMMON STOCK 30303M102 131 390 SH   DFND 0 390 0 0
FASTENAL CO COMMON STOCK 311900104 224 3,500 SH   SOLE 0 3,500 0 0
FASTENAL CO COMMON STOCK 311900104 384 6,000 SH   DFND 0 6,000 0 0
FEDEX CORP COMMON STOCK 31428X106 529 2,045 SH   SOLE 0 2,045 0 0
FEDEX CORP COMMON STOCK 31428X106 48 185 SH   DFND 0 185 0 0
FIDELITY NATL INFORMATION SV COMMON STOCK 31620M106 109 1,000 SH   SOLE 0 1,000 0 0
FIDELITY NATL INFORMATION SV COMMON STOCK 31620M106 109 1,000 SH   DFND 0 1,000 0 0
FIFTH THIRD BANCORP COMMON STOCK 316773100 29 655 SH   DFND 0 655 0 0
FIRST SOLAR, INC. COMMON STOCK 336433107 436 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 2 32 SH   DFND 0 32 0 0
FLEXSHARES GLOBAL UPSTREAM NATURAL RESOURCES ETF/INTERNATIONAL EQUITY 33939L407 1,354 34,285 SH   SOLE 0 34,285 0 0
FLEXSHARES GLOBAL UPSTREAM NATURAL RESOURCES ETF/INTERNATIONAL EQUITY 33939L407 47 1,200 SH   DFND 0 1,200 0 0
FORD MOTOR COMPANY COMMON STOCK 345370860 4 200 SH   SOLE 0 200 0 0
FORD MOTOR COMPANY COMMON STOCK 345370860 42 2,000 SH   DFND 0 2,000 0 0
FORTUNE BRANDS HOME & SEC COMMON STOCK 34964C106 64 600 SH   SOLE 0 600 0 0
FRANCO NEVADA CORP FOREIGN EQUITIES 351858105 18 132 SH   DFND 0 132 0 0
FREEPORT MCMORAN INC COMMON STOCK 35671D857 17 400 SH   SOLE 0 400 0 0
FRESENIUS MEDICAL CARE AG & CO KGAA FOREIGN EQUITIES 358029106 3 100 SH   DFND 0 100 0 0
GABELLI MULTIMEDIA TR INC CLOSED END MUTUAL FUNDS 36239Q109 3 299 SH   DFND 0 299 0 0
GABELLI EQUITY TR INC CLOSED END MUTUAL FUNDS 362397101 7 1,000 SH   DFND 0 1,000 0 0
GABELLI UTILITY TRUST CLOSED END MUTUAL FUNDS 36240A101 2 288 SH   DFND 0 288 0 0
GAP INC COMMON STOCK 364760108 41 2,300 SH   SOLE 0 2,300 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 1,837 8,811 SH   SOLE 0 8,811 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 68 325 SH   DFND 0 325 0 0
GENERAL ELECTRIC CO COMMON STOCK 369604301 172 1,825 SH   SOLE 0 1,825 0 0
GENERAL ELECTRIC CO COMMON STOCK 369604301 63 668 SH   DFND 0 668 0 0
GENERAL MILLS INC COMMON STOCK 370334104 3,147 46,707 SH   SOLE 0 46,707 0 0
GENERAL MILLS INC COMMON STOCK 370334104 602 8,940 SH   DFND 0 8,940 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 1,227 16,904 SH   SOLE 0 16,904 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 211 2,900 SH   DFND 0 2,900 0 0
GLOBAL X US INFRASTRUCTURE DEV ETF ETF/EQUITY 37954Y673 3 95 SH   DFND 0 95 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 19 50 SH   SOLE 0 50 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 11 165 SH   SOLE 0 165 0 0
HARLEY DAVIDSON INC COMMON STOCK 412822108 8 200 SH   SOLE 0 200 0 0
HEAT BIOLOGICS INC COMMON STOCK 42237K409 2 560 SH   SOLE 0 560 0 0
HERSHEY CO COMMON STOCK 427866108 312 1,615 SH   SOLE 0 1,615 0 0
HERSHEY CO COMMON STOCK 427866108 220 1,139 SH   DFND 0 1,139 0 0
HOME DEPOT INC COMMON STOCK 437076102 4,182 10,077 SH   SOLE 0 10,077 0 0
HOME DEPOT INC COMMON STOCK 437076102 104 250 SH   DFND 0 250 0 0
HONEYWELL INTL INC COMMON STOCK 438516106 2,057 9,863 SH   SOLE 0 9,863 0 0
HONEYWELL INTL INC COMMON STOCK 438516106 64 309 SH   DFND 0 309 0 0
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109 4,688 18,997 SH   SOLE 0 18,997 0 0
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109 854 3,460 SH   DFND 0 3,460 0 0
INCYTE CORP COMMON STOCK 45337C102 7 100 SH   SOLE 0 100 0 0
INFINITY PHARMACEUTICALS INC COMMON STOCK 45665G303 14 6,000 SH   SOLE 0 6,000 0 0
INFUSYSTEMS HOLDINGS INC COMMON STOCK 45685K102 17 1,000 SH   SOLE 0 1,000 0 0
INGERSOLL RAND INC COMMON STOCK 45687V106 68 1,095 SH   SOLE 0 1,095 0 0
INTEL CORP COMMON STOCK 458140100 7,192 139,646 SH   SOLE 0 139,646 0 0
INTEL CORP COMMON STOCK 458140100 1,177 22,855 SH   DFND 0 22,855 0 0
INTL BUSINESS MACHINES CORP COMMON STOCK 459200101 7,604 56,889 SH   SOLE 0 56,889 0 0
INTL BUSINESS MACHINES CORP COMMON STOCK 459200101 10,400 77,809 SH   DFND 0 77,809 0 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103 9 200 SH   SOLE 0 200 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 6,832 135,845 SH   SOLE 0 135,845 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 1,552 3,901 SH   SOLE 0 3,893 8 0
INVESCO QQQ TRUST ETF/EQUITY 46090E103 127 319 SH   DFND 0 319 0 0
INVESCO MUNICIPAL TRUST CLOSED END MUTUAL FUNDS 46131J103 27 2,000 SH   SOLE 0 2,000 0 0
INVESCO EXCHANGE TRADED FD TR WILDERHIL CLAN ETF/EQUITY 46137V134 23 323 SH   DFND 0 323 0 0
INVESCO S&P 500 PURE VAL ETF ETF/EQUITY 46137V258 3,445 42,625 SH   SOLE 0 42,585 0 40
INVESCO S&P 500 PURE VAL ETF ETF/EQUITY 46137V258 6 80 SH   DFND 0 80 0 0
INVESCO S&P 500 EQUAL WEIGHT ETF ETF/EQUITY 46137V357 3,255 20,000 SH   SOLE 0 20,000 0 0
INVESCO FTSE RAFI US1000 ETF ETF/EQUITY 46137V613 15 90 SH   SOLE 0 90 0 0
INVESCO DYNAMIC BLDNG CONSTR ETF/EQUITY 46137V779 1,299 23,815 SH   SOLE 0 23,755 0 60
INVESCO DYNAMIC BLDNG CONSTR ETF/EQUITY 46137V779 6 105 SH   DFND 0 105 0 0
INVESCO MSCI GLOBAL TIMBER ETF/EQUITY 46138E545 2 65 SH   DFND 0 65 0 0
INVESCO VARIABLE RATE PFD ETF/EQUITY 46138G870 1,684 65,000 SH   SOLE 0 65,000 0 0
INVESCO VARIABLE RATE PFD ETF/EQUITY 46138G870 8 300 SH   DFND 0 300 0 0
IQVIA HLDGS INC COMMON STOCK 46266C105 78 275 SH   SOLE 0 275 0 0
IRIDIUM COMMUNICATIONS INC COMMON STOCK 46269C102 8 200 SH   DFND 0 200 0 0
IRONNET INC COMMON STOCK 46323Q105 2 500 SH   DFND 0 500 0 0
ISHARES SILVER TRUST ETF/OTHER 46428Q109 20 945 SH   SOLE 0 945 0 0
ISHARES SILVER TRUST ETF/OTHER 46428Q109 40 1,872 SH   DFND 0 1,872 0 0
ISHARES GOLD TRUST ETF/OTHER 464285204 6,303 181,125 SH   SOLE 0 180,975 0 150
ISHARES GOLD TRUST ETF/OTHER 464285204 7 202 SH   DFND 0 202 0 0
ISHARES MSCI CANADA ETF ETF/INTERNATIONAL EQUITY 464286509 1,251 32,549 SH   SOLE 0 32,514 0 35
ISHARES MSCI CANADA ETF ETF/INTERNATIONAL EQUITY 464286509 1 20 SH   DFND 0 20 0 0
ISHARES SELECT DIVIDEND ETF ETF/EQUITY 464287168 87 710 SH   SOLE 0 710 0 0
ISHARES TIPS BOND ETF ETF/FIXED INCOME 464287176 94 726 SH   SOLE 0 726 0 0
ISHARES CORE S&P 500 ETF ETF/EQUITY 464287200 54,595 114,459 SH   SOLE 0 114,409 50 0
ISHARES CORE S&P 500 ETF ETF/EQUITY 464287200 191 401 SH   DFND 0 401 0 0
ISHARES CORE US AGGREGATE BOND ETF ETF/FIXED INCOME 464287226 5 48 SH   DFND 0 48 0 0
ISHARES MSCI EMERGING MKTS ETF ETF/INTERNATIONAL EQUITY 464287234 180 3,693 SH   SOLE 0 3,693 0 0
ISHARES IBOXX $ INVMT GRADE CORP BOND ETF ETF/FIXED INCOME 464287242 211 1,596 SH   SOLE 0 1,556 40 0
ISHARES S&P 500 GROWTH ETF ETF/EQUITY 464287309 1,067 12,755 SH   SOLE 0 12,755 0 0
ISHARES S&P 500 GROWTH ETF ETF/EQUITY 464287309 13 160 SH   DFND 0 160 0 0
ISHARES GLOBAL HEALTHCARE ETF/EQUITY 464287325 47 520 SH   SOLE 0 520 0 0
ISHARES S&P 500 VALUE ETF ETF/EQUITY 464287408 912 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 667 5,800 SH   SOLE 0 5,660 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 6,478 75,726 SH   SOLE 0 75,726 0 0
ISHARES 1-3 YR TREASURY BOND ETF/FIXED INCOME 464287457 372 4,354 SH   DFND 0 4,354 0 0
ISHARES MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 464287465 2,860 36,350 SH   SOLE 0 36,350 0 0
ISHARES MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 464287465 337 4,287 SH   DFND 0 4,287 0 0
ISHARES RUSSELL MIDCAP VALUE ETF/EQUITY 464287473 4,726 38,618 SH   SOLE 0 38,618 0 0
ISHARES RUSSELL MIDCAP VALUE ETF/EQUITY 464287473 171 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 20 242 SH   SOLE 0 242 0 0
ISHARES RUSSELL MIDCAP ETF ETF/EQUITY 464287499 147 1,774 SH   DFND 0 1,774 0 0
ISHARES CORE S&P MIDCAP ETF ETF/EQUITY 464287507 10,513 37,140 SH   SOLE 0 37,129 0 11
ISHARES CORE S&P MIDCAP ETF ETF/EQUITY 464287507 177 625 SH   DFND 0 625 0 0
ISHARES RUSSELL 1000 VALUE ETF/EQUITY 464287598 3,706 22,066 SH   SOLE 0 21,931 0 135
ISHARES RUSSELL 1000 VALUE ETF/EQUITY 464287598 129 766 SH   DFND 0 766 0 0
ISHARES S&P MIDCAP 400 GROWTH ETF ETF/EQUITY 464287606 510 5,980 SH   SOLE 0 5,980 0 0
ISHARES S&P MIDCAP 400 GROWTH ETF ETF/EQUITY 464287606 51 600 SH   DFND 0 600 0 0
ISHARES RUSSELL 1000 GROWTH ETF ETF/EQUITY 464287614 7,187 23,518 SH   SOLE 0 23,443 0 75
ISHARES RUSSELL 1000 GROWTH ETF ETF/EQUITY 464287614 192 627 SH   DFND 0 627 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 41 141 SH   DFND 0 141 0 0
ISHARES RUSSELL 2000 ETF ETF/EQUITY 464287655 1,080 4,853 SH   SOLE 0 4,853 0 0
ISHARES RUSSELL 2000 ETF ETF/EQUITY 464287655 144 649 SH   DFND 0 649 0 0
ISHARES US TELECOM ETF ETF/EQUITY 464287713 1 44 SH   SOLE 0 44 0 0
ISHARES CORE S&P SMALLCAP ETF ETF/EQUITY 464287804 12,388 108,181 SH   SOLE 0 108,154 0 27
ISHARES CORE S&P SMALLCAP ETF ETF/EQUITY 464287804 160 1,396 SH   DFND 0 1,396 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 351 16,600 SH   SOLE 0 16,600 0 0
ISHARES GLOBAL CLEAN ENERGY ETF/INTERNATIONAL EQUITY 464288224 19 900 SH   DFND 0 900 0 0
ISHARES MSCI ACWI EX US ETF ETF/INTERNATIONAL EQUITY 464288240 870 15,651 SH   SOLE 0 15,651 0 0
ISHARES MSCI ACWI EX US ETF ETF/INTERNATIONAL EQUITY 464288240 24 436 SH   DFND 0 436 0 0
ISHARES MSCI ACWI ETF ETF/EQUITY 464288257 29,323 277,204 SH   SOLE 0 276,949 0 255
ISHARES MSCI ACWI ETF ETF/EQUITY 464288257 47 440 SH   DFND 0 440 0 0
ISHARES TR S&P GLO INFRAS ETF/INTERNATIONAL EQUITY 464288372 3 53 SH   DFND 0 53 0 0
ISHARES IBOXX $ HIGH YIELD CORP BOND ETF ETF/FIXED INCOME 464288513 332 3,821 SH   SOLE 0 3,781 40 0
ISHARES IBOXX $ HIGH YIELD CORP BOND ETF ETF/FIXED INCOME 464288513 95 1,093 SH   DFND 0 1,093 0 0
ISHARES INTERMEDIATE CREDIT BOND ETF ETF/FIXED INCOME 464288638 29 496 SH   DFND 0 496 0 0
ISHARES SHORT TERM CORP BOND ETF/FIXED INCOME 464288646 102 1,900 SH   DFND 0 1,900 0 0
ISHARES US PREFERRED STOCK ETF/OTHER 464288687 2,905 73,681 SH   SOLE 0 73,681 0 0
ISHARES US PREFERRED STOCK ETF/OTHER 464288687 249 6,310 SH   DFND 0 6,310 0 0
ISHARES US HOME CONSTRUCTION ETF/EQUITY 464288752 3 33 SH   DFND 0 33 0 0
ISHARES CORE HIGH DIVIDEND ETF/EQUITY 46429B663 90 890 SH   SOLE 0 890 0 0
ISHARES CORE HIGH DIVIDEND ETF/EQUITY 46429B663 12 120 SH   DFND 0 120 0 0
ISHARES EDGE MSCI MIN VOL EAFE ETF ETF/INTERNATIONAL EQUITY 46429B689 4 55 SH   DFND 0 55 0 0
ISHARES EDGE MSCI MIN VOL USA ETF ETF/EQUITY 46429B697 10,173 125,750 SH   SOLE 0 125,625 0 125
ISHARES EDGE MSCI MIN VOL USA ETF ETF/EQUITY 46429B697 6 70 SH   DFND 0 70 0 0
ISHARES CORE MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 46432F842 42,478 569,188 SH   SOLE 0 568,823 50 315
ISHARES CORE MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 46432F842 588 7,873 SH   DFND 0 7,873 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 46434G103 12,691 212,009 SH   SOLE 0 211,869 0 140
ISHARES CORE MSCI EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 46434G103 26 439 SH   DFND 0 439 0 0
ISHARES MSCI EM EX CHINA ETF/INTERNATIONAL EQUITY 46434G764 793 13,075 SH   SOLE 0 13,025 0 50
ISHARES MSCI EM EX CHINA ETF/INTERNATIONAL EQUITY 46434G764 5 85 SH   DFND 0 85 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 404 10,155 SH   SOLE 0 10,155 0 0
ISHARES 0-5 YR INVMT GR CORP ETF/FIXED INCOME 46434V100 43 835 SH   DFND 0 835 0 0
ISHARES MSCI ACWI LOW CARBON ETF/EQUITY 46434V464 6 35 SH   SOLE 0 35 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 22 205 SH   SOLE 0 205 0 0
ISHARES TR ESG MSCI USA ETF (ESGU) ETF/EQUITY 46435G425 26 243 SH   DFND 0 243 0 0
ISHARES ESG ADV HIGH YIELD ETF/FIXED INCOME 46435G441 13 260 SH   SOLE 0 260 0 0
ISHARES ESG MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 46435G516 420 5,285 SH   SOLE 0 5,285 0 0
ISHARES CYBERSEC & TECH ETF ETF/EQUITY 46435U135 2 34 SH   DFND 0 34 0 0
ISHARES BB RATED CRP BND ETF ETF/FIXED INCOME 46435U473 2,272 43,815 SH   SOLE 0 43,580 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 1,235 30,000 SH   SOLE 0 30,000 0 0
JPMORGAN CHASE & CO COMMON STOCK 46625H100 10,878 68,696 SH   SOLE 0 68,696 0 0
JPMORGAN CHASE & CO COMMON STOCK 46625H100 847 5,352 SH   DFND 0 5,352 0 0
JABIL CIRCUIT INC. COMMON STOCK 466313103 14 200 SH   SOLE 0 200 0 0
J P MORGAN EXCHANGE-TRADED FEQUITY PREMIUM ETF/EQUITY 46641Q332 5,886 93,160 SH   SOLE 0 93,160 0 0
JP MORGAN ULTRA SHORT INC ETF/FIXED INCOME 46641Q837 8,361 165,670 SH   SOLE 0 165,205 0 465
JP MORGAN ULTRA SHORT INC ETF/FIXED INCOME 46641Q837 22 435 SH   DFND 0 435 0 0
JACOBS ENGR GROUP INC. COMMON STOCK 469814107 27 194 SH   DFND 0 194 0 0
JANUS DETROIT STREET TR HENDERSON AAA CLO ETF/FIXED INCOME 47103U845 2,015 40,000 SH   SOLE 0 40,000 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 9,757 57,036 SH   SOLE 0 57,036 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 2,678 15,654 SH   DFND 0 15,654 0 0
JOUNCE THERAPEUTICS INC COMMON STOCK 481116101 8 1,000 SH   SOLE 0 1,000 0 0
KLA CORPORATION COMMON STOCK 482480100 176 410 SH   SOLE 0 410 0 0
KELLOGG COMPANY COMMON STOCK 487836108 26 400 SH   SOLE 0 400 0 0
KEYCORP COMMON STOCK 493267108 12 500 SH   SOLE 0 500 0 0
KEYCORP COMMON STOCK 493267108 12 500 SH   DFND 0 500 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 1,345 9,413 SH   SOLE 0 9,413 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 721 5,045 SH   DFND 0 5,045 0 0
KINDER MORGAN INC COMMON STOCK 49456B101 416 26,255 SH   SOLE 0 26,255 0 0
KINDER MORGAN INC COMMON STOCK 49456B101 53 3,330 SH   DFND 0 3,330 0 0
KRAFT HEINZ COMPANY COMMON STOCK 500754106 84 2,333 SH   DFND 0 2,333 0 0
KRANESHARES TR GLOBAL CARB STRA ETF/EQUITY 500767678 1,390 27,315 SH   SOLE 0 27,280 0 35
KRANESHARES TR GLOBAL CARB STRA ETF/EQUITY 500767678 4 75 SH   DFND 0 75 0 0
KYNDRYL HOLDINGS INC COMMON STOCK 50155Q100 84 4,668 SH   SOLE 0 4,668 0 0
KYNDRYL HOLDINGS INC COMMON STOCK 50155Q100 181 10,000 SH   DFND 0 10,000 0 0
L3HARRIS TECHNOLOGIES INC COMMON STOCK 502431109 6 30 SH   DFND 0 30 0 0
LAM RESEARCH CORP COMMON STOCK 512807108 54 75 SH   SOLE 0 75 0 0
ESTEE LAUDER COMP INC CL A COMMON STOCK 518439104 37 100 SH   SOLE 0 100 0 0
LIBERTY ALL STAR EQUITY FD CLOSED END MUTUAL FUNDS 530158104 20 2,403 SH   SOLE 0 2,403 0 0
LIBERTY ALL STAR EQUITY FD CLOSED END MUTUAL FUNDS 530158104 20 2,402 SH   DFND 0 2,402 0 0
ELI LILLY AND COMPANY COMMON STOCK 532457108 953 3,450 SH   SOLE 0 3,450 0 0
ELI LILLY AND COMPANY COMMON STOCK 532457108 255 925 SH   DFND 0 925 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 2,572 7,238 SH   SOLE 0 7,238 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 376 1,058 SH   DFND 0 1,058 0 0
LOEWS CORP COMMON STOCK 540424108 75 1,300 SH   DFND 0 1,300 0 0
LOWES COMPANIES INC COMMON STOCK 548661107 5,733 22,179 SH   SOLE 0 22,179 0 0
LOWES COMPANIES INC COMMON STOCK 548661107 338 1,307 SH   DFND 0 1,307 0 0
LUMEN TECHNOLOGIES INC COMMON STOCK 550241103 14 1,150 SH   SOLE 0 1,150 0 0
M & T BANK CORP COMMON STOCK 55261F104 317 2,063 SH   SOLE 0 2,063 0 0
M & T BANK CORP COMMON STOCK 55261F104 1,313 8,548 SH   DFND 0 8,548 0 0
ECOFIN DIGTL PYMNTS INFRSTRC ETF/EQUITY 56167N548 2 45 SH   DFND 0 45 0 0
MARATHON PETROLEUM CORP COMMON STOCK 56585A102 22 344 SH   DFND 0 344 0 0
MARKEL CORPORATION COMMON STOCK 570535104 41 33 SH   SOLE 0 33 0 0
MASTERCARD INC CLASS A COMMON STOCK 57636Q104 557 1,550 SH   SOLE 0 1,550 0 0
MASTERCARD INC CLASS A COMMON STOCK 57636Q104 29 80 SH   DFND 0 80 0 0
MCDONALDS CORP COMMON STOCK 580135101 4,415 16,468 SH   SOLE 0 16,468 0 0
MCDONALDS CORP COMMON STOCK 580135101 307 1,146 SH   DFND 0 1,146 0 0
MCKESSON CORP COMMON STOCK 58155Q103 45 183 SH   SOLE 0 183 0 0
MCKESSON CORP COMMON STOCK 58155Q103 746 3,000 SH   DFND 0 3,000 0 0
MEDICAL PPTYS TRUST INC COMMON STOCK 58463J304 5 200 SH   DFND 0 200 0 0
MERCK & COMPANY INC COMMON STOCK 58933Y105 7,747 101,098 SH   SOLE 0 101,098 0 0
MERCK & COMPANY INC COMMON STOCK 58933Y105 1,369 17,869 SH   DFND 0 17,869 0 0
METLIFE INC COMMON STOCK 59156R108 84 1,340 SH   SOLE 0 1,340 0 0
METLIFE INC COMMON STOCK 59156R108 10 160 SH   DFND 0 160 0 0
METTLER-TOLEDO INTL COMMON STOCK 592688105 509 300 SH   SOLE 0 300 0 0
METTLER-TOLEDO INTL COMMON STOCK 592688105 679 400 SH   DFND 0 400 0 0
MICROSOFT CORP COMMON STOCK 594918104 19,128 56,875 SH   SOLE 0 56,875 0 0
MICROSOFT CORP COMMON STOCK 594918104 3,595 10,690 SH   DFND 0 10,690 0 0
MODERNA INC COMMON STOCK 60770K107 32 125 SH   SOLE 0 125 0 0
MOLINA HEALTHCARE INC COMMON STOCK 60855R100 16 50 SH   SOLE 0 50 0 0
MONDELEZ INTL INC CL A COMMON STOCK 609207105 377 5,690 SH   SOLE 0 5,690 0 0
MONDELEZ INTL INC CL A COMMON STOCK 609207105 303 4,575 SH   DFND 0 4,575 0 0
MORGAN STANLEY COMMON STOCK 617446448 824 8,397 SH   SOLE 0 8,397 0 0
NBT BANCORP INC COMMON STOCK 628778102 684 17,766 SH   SOLE 0 17,766 0 0
NBT BANCORP INC COMMON STOCK 628778102 364 9,453 SH   DFND 0 9,453 0 0
NCR CORP COMMON STOCK 62886E108 8 200 SH   SOLE 0 200 0 0
NATIONAL FUEL GAS COMPANY COMMON STOCK 636180101 45 700 SH   SOLE 0 700 0 0
NATIONAL FUEL GAS COMPANY COMMON STOCK 636180101 197 3,076 SH   DFND 0 3,076 0 0
NATIONAL GRID PLC ADR FOREIGN EQUITIES 636274409 96 1,323 SH   DFND 0 1,323 0 0
NETFLIX INC COMMON STOCK 64110L106 145 240 SH   SOLE 0 240 0 0
NEW YORK CMNTY BANCORP INC COMMON STOCK 649445103 12 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
NEWMONT MINING CORP COMMON STOCK 651639106 37 600 SH   SOLE 0 600 0 0
NEXSTAR MEDIA GROUP CLASS A COMMON STOCK 65336K103 8 50 SH   SOLE 0 50 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 3,357 35,954 SH   SOLE 0 35,954 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 2,104 22,540 SH   DFND 0 22,540 0 0
NIKE INC CLASS B COMMON STOCK 654106103 3,889 23,333 SH   SOLE 0 23,333 0 0
NIKE INC CLASS B COMMON STOCK 654106103 296 1,776 SH   DFND 0 1,776 0 0
NIKOLA CORP COMMON STOCK 654110105 2 200 SH   SOLE 0 200 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 2,397 8,053 SH   SOLE 0 8,053 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 357 1,200 SH   DFND 0 1,200 0 0
NORTHROP GRUMMAN CORP COMMON STOCK 666807102 91 235 SH   SOLE 0 235 0 0
NORTHROP GRUMMAN CORP COMMON STOCK 666807102 77 200 SH   DFND 0 200 0 0
NORWOOD FINANCIAL CORP COMMON STOCK 669549107 234 8,992 SH   SOLE 0 8,992 0 0
NOVARTIS AG ADR FOREIGN EQUITIES 66987V109 341 3,903 SH   SOLE 0 3,903 0 0
NOVARTIS AG ADR FOREIGN EQUITIES 66987V109 285 3,255 SH   DFND 0 3,255 0 0
NUCOR CORP COMMON STOCK 670346105 4,629 40,555 SH   SOLE 0 40,555 0 0
NUCOR CORP COMMON STOCK 670346105 940 8,233 SH   DFND 0 8,233 0 0
NVIDIA CORPORATION COMMON STOCK 67066G104 292 993 SH   SOLE 0 993 0 0
NUVEEN AMT FREE MUNI CR INC CLOSED END MUTUAL FUNDS 67071L106 54 3,000 SH   SOLE 0 3,000 0 0
OCCIDENTAL PETROLEUM CORP COMMON STOCK 674599105 6 200 SH   SOLE 0 200 0 0
OCCIDENTAL PETE CORP W EXP 08/03/2027 WARRANTS & RIGHTS 674599162 0 25 SH   SOLE 0 25 0 0
OKTA INC CL A COMMON STOCK 679295105 45 200 SH   DFND 0 200 0 0
OMNICOM GROUP INC COMMON STOCK 681919106 2,928 39,964 SH   SOLE 0 39,964 0 0
OMNICOM GROUP INC COMMON STOCK 681919106 193 2,635 SH   DFND 0 2,635 0 0
OMEGA HEALTHCARE INV INC COMMON STOCK 681936100 10 354 SH   SOLE 0 354 0 0
ONEOK INC COMMON STOCK 682680103 23 394 SH   SOLE 0 394 0 0
ORACLE CORP COMMON STOCK 68389X105 548 6,288 SH   SOLE 0 6,288 0 0
ORANGE SA ADR FOREIGN EQUITIES 684060106 11 1,000 SH   DFND 0 1,000 0 0
ORGANON & CO COMMON STOCK 68622V106 35 1,155 SH   SOLE 0 1,155 0 0
ORGANON & CO COMMON STOCK 68622V106 35 1,144 SH   DFND 0 1,144 0 0
OTIS WORLDWIDE CORP COMMON STOCK 68902V107 89 1,023 SH   SOLE 0 1,023 0 0
OTIS WORLDWIDE CORP COMMON STOCK 68902V107 86 985 SH   DFND 0 985 0 0
PNC FINL SVCS GROUP INC COMMON STOCK 693475105 2,399 11,962 SH   SOLE 0 11,962 0 0
PNC FINL SVCS GROUP INC COMMON STOCK 693475105 11 55 SH   DFND 0 55 0 0
PPG INDUSTRIES INC COMMON STOCK 693506107 433 2,512 SH   SOLE 0 2,512 0 0
PPG INDUSTRIES INC COMMON STOCK 693506107 41 240 SH   DFND 0 240 0 0
PPL CORP COMMON STOCK 69351T106 1,571 52,280 SH   SOLE 0 52,280 0 0
PPL CORP COMMON STOCK 69351T106 127 4,225 SH   DFND 0 4,225 0 0
PACER BENCHMARK DATA&INFRAS RE SECTOR ETF ETF/EQUITY 69374H741 2,155 49,815 SH   SOLE 0 49,745 0 70
PACER BENCHMARK DATA&INFRAS RE SECTOR ETF ETF/EQUITY 69374H741 6 140 SH   DFND 0 140 0 0
PALO ALTO NETWORKS INC COMMON STOCK 697435105 67 120 SH   SOLE 0 120 0 0
PAYCOM SOFTWARE INC COMMON STOCK 70432V102 28 67 SH   SOLE 0 67 0 0
PAYCOM SOFTWARE INC COMMON STOCK 70432V102 28 67 SH   DFND 0 67 0 0
PAYCHEX INC COMMON STOCK 704326107 68 500 SH   SOLE 0 500 0 0
PAYCHEX INC COMMON STOCK 704326107 92 675 SH   DFND 0 675 0 0
PEOPLES FINL SVCS CORP COMMON STOCK 711040105 64 1,218 SH   SOLE 0 1,218 0 0
PEOPLES UNITED FINANCIAL INC COMMON STOCK 712704105 62 3,500 SH   SOLE 0 3,500 0 0
PEOPLES UNITED FINANCIAL INC COMMON STOCK 712704105 27 1,500 SH   DFND 0 1,500 0 0
PEPSICO INC COMMON STOCK 713448108 9,125 52,528 SH   SOLE 0 52,528 0 0
PEPSICO INC COMMON STOCK 713448108 1,968 11,331 SH   DFND 0 11,331 0 0
PFIZER INC COMMON STOCK 717081103 7,406 125,444 SH   SOLE 0 125,444 0 0
PFIZER INC COMMON STOCK 717081103 1,786 30,254 SH   DFND 0 30,254 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109 285 3,000 SH   SOLE 0 3,000 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109 65 689 SH   DFND 0 689 0 0
PHILLIPS 66 COMMON STOCK 718546104 852 11,759 SH   SOLE 0 11,759 0 0
PHILLIPS 66 COMMON STOCK 718546104 116 1,600 SH   DFND 0 1,600 0 0
PIMCO ENHANCED SHORT MAT ESG ETF/FIXED INCOME 72201R643 100 1,000 SH   SOLE 0 1,000 0 0
PIMCO ENHANCED LOW DURATION ETF/FIXED INCOME 72201R718 2,615 26,000 SH   SOLE 0 26,000 0 0
PIMCO ENHANCED SHORT MATURE ACTIVE ETF ETF/FIXED INCOME 72201R833 3,169 31,206 SH   SOLE 0 31,000 0 206
PINNACLE WEST CPTL CORP COMMON STOCK 723484101 28 400 SH   SOLE 0 400 0 0
PLAINS ALL AMERICAN PIPELINE COMMON STOCK 726503105 28 3,000 SH   DFND 0 3,000 0 0
PRINCIPAL SPECTRUM PFD SEC ETF/EQUITY 74255Y888 2,643 130,390 SH   SOLE 0 130,390 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 8,803 53,815 SH   SOLE 0 53,815 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 1,143 6,987 SH   DFND 0 6,987 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102 6 58 SH   SOLE 0 58 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102 30 276 SH   DFND 0 276 0 0
PUBLIC SVC ENTERPRISE GROUP COMMON STOCK 744573106 5,229 78,367 SH   SOLE 0 78,367 0 0
PUBLIC SVC ENTERPRISE GROUP COMMON STOCK 744573106 1,198 17,962 SH   DFND 0 17,962 0 0
PULTE GROUP INC COMMON STOCK 745867101 12 210 SH   DFND 0 210 0 0
QUALCOMM INC COMMON STOCK 747525103 3,272 17,890 SH   SOLE 0 17,890 0 0
QUALCOMM INC COMMON STOCK 747525103 507 2,775 SH   DFND 0 2,775 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 2,052 23,849 SH   SOLE 0 23,849 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 604 7,017 SH   DFND 0 7,017 0 0
REALTY INCOME CORP COMMON STOCK 756109104 20 284 SH   SOLE 0 284 0 0
REGULUS THERAPEUTICS INC COMMON STOCK 75915K200 2 6,900 SH   SOLE 0 6,900 0 0
REPUBLIC SERVICES INC COMMON STOCK 760759100 14 100 SH   SOLE 0 100 0 0
RIBBONS COMMUNICATIONS INC COMMON STOCK 762544104 8 1,400 SH   SOLE 0 1,400 0 0
RIO TINTO PLC ADR FOREIGN EQUITIES 767204100 258 3,850 SH   SOLE 0 3,850 0 0
RIO TINTO PLC ADR FOREIGN EQUITIES 767204100 3 50 SH   DFND 0 50 0 0
ROCKWELL AUTOMATION INC COMMON STOCK 773903109 54 155 SH   DFND 0 155 0 0
ROPER INDS INC COMMON STOCK 776696106 197 400 SH   SOLE 0 400 0 0
ROPER INDS INC COMMON STOCK 776696106 115 233 SH   DFND 0 233 0 0
ROYAL BANK OF CANADA FOREIGN EQUITIES 780087102 1,188 11,190 SH   SOLE 0 11,190 0 0
ROYAL BANK OF CANADA FOREIGN EQUITIES 780087102 138 1,298 SH   DFND 0 1,298 0 0
ROYAL DUTCH SHELL PLC CL A FOREIGN EQUITIES 780259206 11 260 SH   DFND 0 260 0 0
S&P GLOBAL INC COMMON STOCK 78409V104 425 900 SH   DFND 0 900 0 0
SPDR S&P 500 ETF ETF/EQUITY 78462F103 8,564 18,031 SH   SOLE 0 18,031 0 0
SPDR S&P 500 ETF ETF/EQUITY 78462F103 543 1,144 SH   DFND 0 1,144 0 0
SPDR GOLD SHARES ETF/OTHER 78463V107 530 3,102 SH   SOLE 0 3,102 0 0
SPDR GOLD SHARES ETF/OTHER 78463V107 762 4,455 SH   DFND 0 4,455 0 0
SPDR INTERM CORP BOND ETF ETF/FIXED INCOME 78464A375 8 225 SH   DFND 0 225 0 0
SPDR PORTFOLIO S&P500 GROWTH ETF/EQUITY 78464A409 741 10,223 SH   SOLE 0 10,223 0 0
SPDR PORTFOLIO S&P 500 VALUE ETF/EQUITY 78464A508 761 18,115 SH   SOLE 0 18,115 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 109 3,390 SH   SOLE 0 3,390 0 0
SPDR PORTFOLIO S&P 500 ETF/EQUITY 78464A854 3,872 69,345 SH   SOLE 0 69,080 0 265
SPDR PORTFOLIO S&P 500 ETF/EQUITY 78464A854 31 560 SH   DFND 0 560 0 0
SPDR S&P BIOTECH ETF ETF/EQUITY 78464A870 56 497 SH   SOLE 0 497 0 0
SPDR SERIES TRUST S&P HOMEBUILD ETF/EQUITY 78464A888 17 200 SH   SOLE 0 200 0 0
SPDR BLACKSTONE/GSO SENIOR LOAN ETF ETF/FIXED INCOME 78467V608 3,963 86,842 SH   SOLE 0 86,654 0 188
SPDR BLACKSTONE/GSO SENIOR LOAN ETF ETF/FIXED INCOME 78467V608 20 433 SH   DFND 0 433 0 0
SPDR DOUBLELINE TOTAL RETURNTACT ETF ETF/FIXED INCOME 78467V848 5,574 117,750 SH   SOLE 0 117,750 0 0
SPDR DOUBLELINE TOTAL RETURNTACT ETF ETF/FIXED INCOME 78467V848 19 400 SH   DFND 0 400 0 0
SPDR S&P MIDCAP 400 ETF ETF/EQUITY 78467Y107 7,158 13,827 SH   SOLE 0 13,811 16 0
SPDR S&P MIDCAP 400 ETF ETF/EQUITY 78467Y107 137 265 SH   DFND 0 265 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 9 180 SH   SOLE 0 180 0 0
SALESFORCE.COM INC COMMON STOCK 79466L302 115 454 SH   SOLE 0 454 0 0
SCHLUMBERGER LTD FOREIGN EQUITIES 806857108 93 3,118 SH   SOLE 0 3,118 0 0
SCHLUMBERGER LTD FOREIGN EQUITIES 806857108 27 916 SH   DFND 0 916 0 0
SCHWAB US SMALL CAP ETF ETF/EQUITY 808524607 3,982 38,884 SH   SOLE 0 38,809 75 0
SCHWAB US SMALL CAP ETF ETF/EQUITY 808524607 221 2,160 SH   DFND 0 2,160 0 0
MATERIALS SELECT SECTOR SPDR ETF/EQUITY 81369Y100 255 2,810 SH   SOLE 0 2,810 0 0
MATERIALS SELECT SECTOR SPDR ETF/EQUITY 81369Y100 905 9,985 SH   DFND 0 9,985 0 0
HEALTH CARE SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y209 395 2,802 SH   SOLE 0 2,802 0 0
CONSUMER STAPLES SECTOR SPDR ETF/EQUITY 81369Y308 268 3,477 SH   SOLE 0 3,477 0 0
CONSUMER STAPLES SECTOR SPDR ETF/EQUITY 81369Y308 24 310 SH   DFND 0 310 0 0
CONSUMER DISCRET SEL SECT SPDR ETF ETF/EQUITY 81369Y407 356 1,742 SH   SOLE 0 1,742 0 0
CONSUMER DISCRET SEL SECT SPDR ETF ETF/EQUITY 81369Y407 30 147 SH   DFND 0 147 0 0
ENERGY SELECT SECTOR SPDR ETF/EQUITY 81369Y506 1,823 32,854 SH   SOLE 0 32,854 0 0
ENERGY SELECT SECTOR SPDR ETF/EQUITY 81369Y506 189 3,410 SH   DFND 0 3,410 0 0
SPDR FINANCIAL SELECT SECTOR ETF/EQUITY 81369Y605 128 3,277 SH   SOLE 0 3,277 0 0
SPDR INDUSTRIALS (XLI) ETF/EQUITY 81369Y704 110 1,040 SH   SOLE 0 1,040 0 0
TECHNOLOGY SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y803 760 4,372 SH   SOLE 0 4,372 0 0
TECHNOLOGY SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y803 54 311 SH   DFND 0 311 0 0
SELECT SECTOR SPDR TR COMMUNICATION ETF/EQUITY 81369Y852 182 2,345 SH   SOLE 0 2,345 0 0
UTILITIES SELECT SECTOR SPDR ETF/EQUITY 81369Y886 299 4,171 SH   SOLE 0 4,171 0 0
UTILITIES SELECT SECTOR SPDR ETF/EQUITY 81369Y886 43 607 SH   DFND 0 607 0 0
SEMPRA ENERGY COMMON STOCK 816851109 1,189 8,985 SH   SOLE 0 8,985 0 0
SEMPRA ENERGY COMMON STOCK 816851109 245 1,855 SH   DFND 0 1,855 0 0
SIERRA WIRELESS INC FOREIGN EQUITIES 826516106 6 333 SH   DFND 0 333 0 0
SORRENTO THERAPEUTICS INC COMMON STOCK 83587F202 3 600 SH   DFND 0 600 0 0
SOUTHERN COMPANY COMMON STOCK 842587107 1,057 15,408 SH   SOLE 0 15,408 0 0
SOUTHERN COMPANY COMMON STOCK 842587107 226 3,290 SH   DFND 0 3,290 0 0
SPROTT PHYSICAL GOLD TRUST ETF/OTHER 85207H104 545 37,946 SH   SOLE 0 37,946 0 0
SPROTT PHYSICAL GOLD TRUST ETF/OTHER 85207H104 1 48 SH   DFND 0 48 0 0
SQUARE INC CL A COMMON STOCK 852234103 16 100 SH   SOLE 0 100 0 0
STANLEY BLACK & DECKER INC COMMON STOCK 854502101 377 2,000 SH   DFND 0 2,000 0 0
STARBUCKS CORP COMMON STOCK 855244109 1,356 11,596 SH   SOLE 0 11,596 0 0
STARBUCKS CORP COMMON STOCK 855244109 70 595 SH   DFND 0 595 0 0
STATE STREET CORP COMMON STOCK 857477103 150 1,615 SH   SOLE 0 1,615 0 0
STATE STREET CORP COMMON STOCK 857477103 74 800 SH   DFND 0 800 0 0
STERICYCLE INC COMMON STOCK 858912108 60 1,000 SH   SOLE 0 1,000 0 0
STERICYCLE INC COMMON STOCK 858912108 48 800 SH   DFND 0 800 0 0
STERLING BANCORP DEL COMMON STOCK 85917A100 13 500 SH   SOLE 0 500 0 0
STERLING BANCORP DEL COMMON STOCK 85917A100 26 1,000 SH   DFND 0 1,000 0 0
STRYKER CORP COMMON STOCK 863667101 1,780 6,655 SH   SOLE 0 6,655 0 0
STRYKER CORP COMMON STOCK 863667101 51 189 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 63 301 SH   SOLE 0 301 0 0
SUNCOKE ENERGY INC COMMON STOCK 86722A103 1 218 SH   DFND 0 218 0 0
SYSCO CORP COMMON STOCK 871829107 891 11,349 SH   SOLE 0 11,349 0 0
SYSCO CORP COMMON STOCK 871829107 573 7,300 SH   DFND 0 7,300 0 0
TJX COMPANIES COMMON STOCK 872540109 326 4,290 SH   SOLE 0 4,290 0 0
TJX COMPANIES COMMON STOCK 872540109 8 103 SH   DFND 0 103 0 0
TARGET CORP COMMON STOCK 87612E106 1,306 5,642 SH   SOLE 0 5,642 0 0
TARGET CORP COMMON STOCK 87612E106 56 242 SH   DFND 0 242 0 0
TELEDYNE TECHNOLOGIES INC COMMON STOCK 879360105 82 187 SH   DFND 0 187 0 0
TENARIS SA ADR FOREIGN EQUITIES 88031M109 21 1,000 SH   SOLE 0 1,000 0 0
TERADATA CORP COMMON STOCK 88076W103 8 200 SH   SOLE 0 200 0 0
TEVA PHARMACEUTICAL INDS LTDADR FOREIGN EQUITIES 881624209 1 100 SH   SOLE 0 100 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 5,167 27,415 SH   SOLE 0 27,415 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 563 2,985 SH   DFND 0 2,985 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 1,142 1,712 SH   SOLE 0 1,712 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 447 670 SH   DFND 0 670 0 0
3M COMPANY COMMON STOCK 88579Y101 5,254 29,577 SH   SOLE 0 29,577 0 0
3M COMPANY COMMON STOCK 88579Y101 576 3,240 SH   DFND 0 3,240 0 0
TOMPKINS FINANCIAL CORP COMMON STOCK 890110109 179 2,147 SH   SOLE 0 2,147 0 0
TOMPKINS FINANCIAL CORP COMMON STOCK 890110109 359 4,300 SH   DFND 0 4,300 0 0
TORONTO DOMINION BANK FOREIGN EQUITIES 891160509 945 12,324 SH   SOLE 0 12,324 0 0
TORONTO DOMINION BANK FOREIGN EQUITIES 891160509 63 825 SH   DFND 0 825 0 0
TOTAL SA ADR FOREIGN EQUITIES 89151E109 63 1,265 SH   SOLE 0 1,265 0 0
TOYOTA MOTOR CORP FOREIGN EQUITIES 892331307 37 200 SH   SOLE 0 200 0 0
TOYOTA MOTOR CORP FOREIGN EQUITIES 892331307 111 600 SH   DFND 0 600 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109 1,307 8,355 SH   SOLE 0 8,355 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109 43 275 SH   DFND 0 275 0 0
TRUIST FINANCIAL CORP COMMON STOCK 89832Q109 2,538 43,355 SH   SOLE 0 43,355 0 0
TRUIST FINANCIAL CORP COMMON STOCK 89832Q109 246 4,200 SH   DFND 0 4,200 0 0
TRUSTCO BANK CORP COMMON STOCK 898349204 6 168 SH   DFND 0 168 0 0
TWITTER INC COMMON STOCK 90184L102 1 22 SH   DFND 0 22 0 0
II-VI INC COMMON STOCK 902104108 14 200 SH   DFND 0 200 0 0
US BANCORP COMMON STOCK 902973304 2,540 45,224 SH   SOLE 0 45,224 0 0
US BANCORP COMMON STOCK 902973304 570 10,145 SH   DFND 0 10,145 0 0
UNION PACIFIC CORP COMMON STOCK 907818108 1,213 4,816 SH   SOLE 0 4,816 0 0
UNION PACIFIC CORP COMMON STOCK 907818108 765 3,035 SH   DFND 0 3,035 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 5,034 23,486 SH   SOLE 0 23,486 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 404 1,883 SH   DFND 0 1,883 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 3,462 6,895 SH   SOLE 0 6,895 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 640 1,275 SH   DFND 0 1,275 0 0
UNITI GROUP INC COMMON STOCK 91325V108 0 16 SH   SOLE 0 16 0 0
VF CORP COMMON STOCK 918204108 593 8,100 SH   SOLE 0 8,100 0 0
VF CORP COMMON STOCK 918204108 36 487 SH   DFND 0 487 0 0
VBI VACCINES INC COMMON STOCK 91822J103 20 8,500 SH   SOLE 0 8,500 0 0
VALLEY NATL BANCORP COMMON STOCK 919794107 211 15,356 SH   SOLE 0 15,356 0 0
VANECK VECTORS GOLD MINERS ETF ETF/INTERNATIONAL EQUITY 92189F106 640 20,000 SH   DFND 0 20,000 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 15 600 SH   DFND 0 600 0 0
VANGUARD DIVIDEND APPRECIATION ETF ETF/EQUITY 921908844 1,351 7,866 SH   SOLE 0 7,866 0 0
VANGUARD DIVIDEND APPRECIATION ETF ETF/EQUITY 921908844 3 16 SH   DFND 0 16 0 0
VANGUARD TOTAL INTL STOCK ETF ETF/INTERNATIONAL EQUITY 921909768 204 3,212 SH   SOLE 0 3,212 0 0
VANGUARD MEGA CAP GROWTH ETF/EQUITY 921910816 22 85 SH   SOLE 0 85 0 0
VANGUARD SHORT TERM BOND ETF ETF/FIXED INCOME 921937827 842 10,412 SH   SOLE 0 10,092 0 320
VANGUARD SHORT TERM BOND ETF ETF/FIXED INCOME 921937827 143 1,772 SH   DFND 0 1,772 0 0
VANGUARD TOTAL BOND MRKT ETF ETF/FIXED INCOME 921937835 1,011 11,931 SH   SOLE 0 11,806 125 0
VANGUARD TOTAL BOND MRKT ETF ETF/FIXED INCOME 921937835 56 665 SH   DFND 0 665 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF/INTERNATIONAL EQUITY 921943858 443 8,677 SH   SOLE 0 8,677 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF/INTERNATIONAL EQUITY 921943858 209 4,097 SH   DFND 0 4,097 0 0
VANGUARD HIGH DIVIDEND YIELD ETF/EQUITY 921946406 90 806 SH   SOLE 0 806 0 0
VANGUARD HIGH DIVIDEND YIELD ETF/EQUITY 921946406 29 262 SH   DFND 0 262 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 569 5,890 SH   SOLE 0 5,890 0 0
VANGUARD FINANCIALS ETF ETF/EQUITY 92204A405 259 2,678 SH   DFND 0 2,678 0 0
VANGUARD HEALTH CARE ETF ETF/EQUITY 92204A504 7 25 SH   DFND 0 25 0 0
VANGUARD INDUSTRIALS ETF ETF/EQUITY 92204A603 10 50 SH   SOLE 0 50 0 0
VANGUARD INDUSTRIALS ETF ETF/EQUITY 92204A603 893 4,400 SH   DFND 0 4,400 0 0
VANGUARD INFO TECH ETF ETF/EQUITY 92204A702 1,407 3,070 SH   SOLE 0 3,070 0 0
VANGUARD INFO TECH ETF ETF/EQUITY 92204A702 309 675 SH   DFND 0 675 0 0
VANGUARD UTILITIES ETF ETF/EQUITY 92204A876 109 695 SH   SOLE 0 695 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 922042858 2,820 57,027 SH   SOLE 0 56,962 65 0
VANGUARD FTSE EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 922042858 423 8,552 SH   DFND 0 8,552 0 0
VANGUARD SHORT TERM CORP BOND ETF ETF/FIXED INCOME 92206C409 2,434 29,948 SH   SOLE 0 29,883 65 0
VANGUARD SHORT TERM CORP BOND ETF ETF/FIXED INCOME 92206C409 794 9,766 SH   DFND 0 9,766 0 0
VANGUARD INTERM-TERM GOVT BDETF ETF/FIXED INCOME 92206C706 315 4,745 SH   SOLE 0 4,610 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 12 130 SH   SOLE 0 130 0 0
VANGUARD INTERM TERM CORP BDETF ETF/FIXED INCOME 92206C870 7,751 83,565 SH   SOLE 0 83,525 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 998 2,285 SH   SOLE 0 2,285 0 0
VANGUARD MIDCAP VALUE ETF ETF/EQUITY 922908512 34 225 SH   SOLE 0 225 0 0
VANGUARD MIDCAP VALUE ETF ETF/EQUITY 922908512 53 354 SH   DFND 0 354 0 0
VANGUARD MIDCAP GROWTH ETF ETF/EQUITY 922908538 79 309 SH   DFND 0 309 0 0
VANGUARD REIT ETF ETF/EQUITY 922908553 1,243 10,712 SH   SOLE 0 10,712 0 0
VANGUARD REIT ETF ETF/EQUITY 922908553 58 496 SH   DFND 0 496 0 0
VANGUARD SMALLCAP GROWTH ETF ETF/EQUITY 922908595 18 65 SH   SOLE 0 65 0 0
VANGUARD SMALLCAP VALUE ETF ETF/EQUITY 922908611 250 1,400 SH   SOLE 0 1,400 0 0
VANGUARD MIDCAP ETF ETF/EQUITY 922908629 140 548 SH   SOLE 0 548 0 0
VANGUARD EXTENDED MKT IDX ETF/EQUITY 922908652 1 5 SH   SOLE 0 5 0 0
VANGUARD EXTENDED MKT IDX ETF/EQUITY 922908652 3 16 SH   DFND 0 16 0 0
VANGUARD GROWTH ETF ETF/EQUITY 922908736 96 300 SH   SOLE 0 300 0 0
VANGUARD GROWTH ETF ETF/EQUITY 922908736 128 400 SH   DFND 0 400 0 0
VANGUARD SMALLCAP ETF ETF/EQUITY 922908751 235 1,038 SH   SOLE 0 1,038 0 0
VANGUARD TOTAL STOCK MARKET ETF ETF/EQUITY 922908769 15,443 63,961 SH   DFND 0 63,961 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 8,885 171,036 SH   SOLE 0 171,036 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 2,130 41,006 SH   DFND 0 41,006 0 0
VIATRIS INC COMMON STOCK 92556V106 19 1,422 SH   SOLE 0 1,422 0 0
VIATRIS INC COMMON STOCK 92556V106 31 2,284 SH   DFND 0 2,284 0 0
VISA INC CLASS A COMMON STOCK 92826C839 1,797 8,293 SH   SOLE 0 8,293 0 0
VISA INC CLASS A COMMON STOCK 92826C839 76 349 SH   DFND 0 349 0 0
WABTEC CORP COMMON STOCK 929740108 0 1 SH   SOLE 0 1 0 0
WABTEC CORP COMMON STOCK 929740108 2 18 SH   DFND 0 18 0 0
WAL MART STORES INC COMMON STOCK 931142103 4,958 34,269 SH   SOLE 0 34,269 0 0
WAL MART STORES INC COMMON STOCK 931142103 1,348 9,317 SH   DFND 0 9,317 0 0
WALGREENS BOOTS ALLIANCE INC COMMON STOCK 931427108 5 90 SH   SOLE 0 90 0 0
WALGREENS BOOTS ALLIANCE INC COMMON STOCK 931427108 26 500 SH   DFND 0 500 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109 374 2,242 SH   SOLE 0 2,242 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109 113 675 SH   DFND 0 675 0 0
WELLTOWER INC COMMON STOCK 95040Q104 17 200 SH   DFND 0 200 0 0
WEYERHAEUSER CO COMMON STOCK 962166104 66 1,600 SH   SOLE 0 1,600 0 0
WILLIAMS COMPANIES INC COMMON STOCK 969457100 260 10,000 SH   DFND 0 10,000 0 0
WISDOMTREE US HIGH DIVIDEND ETF ETF/EQUITY 97717W208 1,464 17,738 SH   SOLE 0 17,738 0 0
WISDOMTREE US HIGH DIVIDEND ETF ETF/EQUITY 97717W208 34 412 SH   DFND 0 412 0 0
SPDR GOLD MINISHARES ETF/OTHER 98149E204 82 4,495 SH   SOLE 0 4,495 0 0
XYLEM INC COMMON STOCK 98419M100 5 44 SH   SOLE 0 44 0 0
ZEBRA TECHNOLOGIES CORP CL A COMMON STOCK 989207105 40 67 SH   SOLE 0 67 0 0
ZEBRA TECHNOLOGIES CORP CL A COMMON STOCK 989207105 40 67 SH   DFND 0 67 0 0
ZIMMER HOLDINGS INC COMMON STOCK 98956P102 111 874 SH   SOLE 0 874 0 0
ZIMMER HOLDINGS INC COMMON STOCK 98956P102 330 2,600 SH   DFND 0 2,600 0 0