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 36 331 SH   SOLE 0 331 0 0
AMCOR PLC FOREIGN EQUITIES G0250X107 1,967 173,599 SH   SOLE 0 173,599 0 0
AMCOR PLC FOREIGN EQUITIES G0250X107 195 17,230 SH   DFND 0 17,230 0 0
EATON CORP PLC FOREIGN EQUITIES G29183103 30 200 SH   SOLE 0 200 0 0
EATON CORP PLC FOREIGN EQUITIES G29183103 280 1,848 SH   DFND 0 1,848 0 0
LINDE PLC FOREIGN EQUITIES G5494J103 53 166 SH   SOLE 0 166 0 0
MEDTRONIC PLC FOREIGN EQUITIES G5960L103 149 1,346 SH   SOLE 0 1,346 0 0
MEDTRONIC PLC FOREIGN EQUITIES G5960L103 11 100 SH   DFND 0 100 0 0
TRANE TECHNOLOGIES PLC FOREIGN EQUITIES G8994E103 190 1,242 SH   SOLE 0 1,242 0 0
WHITE MTNS INS GROUP LTD FOREIGN EQUITIES G9618E107 37 33 SH   SOLE 0 33 0 0
WHITE MTNS INS GROUP LTD FOREIGN EQUITIES G9618E107 39 34 SH   DFND 0 34 0 0
CHUBB LTD FOREIGN EQUITIES H1467J104 2,139 10,002 SH   SOLE 0 10,002 0 0
CHUBB LTD FOREIGN EQUITIES H1467J104 296 1,383 SH   DFND 0 1,383 0 0
UBS GROUP AG FOREIGN EQUITIES H42097107 20 1,000 SH   DFND 0 1,000 0 0
AFLAC INC COMMON STOCK 001055102 285 4,423 SH   SOLE 0 4,423 0 0
AFLAC INC COMMON STOCK 001055102 11 175 SH   DFND 0 175 0 0
AGCO CORP COMMON STOCK 001084102 15 100 SH   DFND 0 100 0 0
AT&T INC COMMON STOCK 00206R102 3,482 147,397 SH   SOLE 0 147,397 0 0
AT&T INC COMMON STOCK 00206R102 774 32,786 SH   DFND 0 32,786 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100 4,599 38,857 SH   SOLE 0 38,857 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100 775 6,550 SH   DFND 0 6,550 0 0
ABBVIE INC COMMON STOCK 00287Y109 8,144 50,236 SH   SOLE 0 50,236 0 0
ABBVIE INC COMMON STOCK 00287Y109 1,367 8,434 SH   DFND 0 8,434 0 0
ADOBE INC COMMON STOCK 00724F101 207 455 SH   SOLE 0 455 0 0
AGILENT TECHNOLOGIES INC COMMON STOCK 00846U101 10 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 14 13,226 SH   SOLE 0 13,226 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 744 2,979 SH   SOLE 0 2,979 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 321 1,285 SH   DFND 0 1,285 0 0
ALBEMARLE CORP COMMON STOCK 012653101 1,328 6,005 SH   SOLE 0 6,005 0 0
ALBEMARLE CORP COMMON STOCK 012653101 606 2,740 SH   DFND 0 2,740 0 0
ALGONQUIN PWR UTILS CORP FOREIGN EQUITIES 015857105 16 1,000 SH   SOLE 0 1,000 0 0
THE ALLSTATE CORPORATION COMMON STOCK 020002101 42 300 SH   SOLE 0 300 0 0
THE ALLSTATE CORPORATION COMMON STOCK 020002101 14 100 SH   DFND 0 100 0 0
ALPHABET INC CLASS C COMMON STOCK 02079K107 687 246 SH   SOLE 0 246 0 0
ALPHABET INC CLASS C COMMON STOCK 02079K107 344 123 SH   DFND 0 123 0 0
ALPHABET INC CLASS A COMMON STOCK 02079K305 3,805 1,368 SH   SOLE 0 1,368 0 0
ALPHABET INC CLASS A COMMON STOCK 02079K305 1,004 361 SH   DFND 0 361 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 156 2,987 SH   SOLE 0 2,987 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 114 2,179 SH   DFND 0 2,179 0 0
AMAZON.COM INC COMMON STOCK 023135106 3,012 924 SH   SOLE 0 924 0 0
AMAZON.COM INC COMMON STOCK 023135106 489 150 SH   DFND 0 150 0 0
AMEREN CORPORATION COMMON STOCK 023608102 234 2,498 SH   SOLE 0 2,498 0 0
AMERICAN ELECTRIC POWER CO COMMON STOCK 025537101 1,366 13,691 SH   SOLE 0 13,691 0 0
AMERICAN ELECTRIC POWER CO COMMON STOCK 025537101 224 2,250 SH   DFND 0 2,250 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 1,547 8,271 SH   SOLE 0 8,271 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 36 192 SH   DFND 0 192 0 0
AMERICAN TOWER CORP COMMON STOCK 03027X100 639 2,545 SH   SOLE 0 2,545 0 0
AMERICAN TOWER CORP COMMON STOCK 03027X100 907 3,610 SH   DFND 0 3,610 0 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103 17 100 SH   SOLE 0 100 0 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103 331 2,000 SH   DFND 0 2,000 0 0
AMETEK INC COMMON STOCK 031100100 133 1,000 SH   SOLE 0 1,000 0 0
AMETEK INC COMMON STOCK 031100100 666 5,000 SH   DFND 0 5,000 0 0
AMGEN INC COMMON STOCK 031162100 2,782 11,505 SH   SOLE 0 11,505 0 0
AMGEN INC COMMON STOCK 031162100 802 3,316 SH   DFND 0 3,316 0 0
ANALOG DEVICES INC COMMON STOCK 032654105 198 1,200 SH   SOLE 0 1,200 0 0
ANTHEM INC COMMON STOCK 036752103 894 1,820 SH   SOLE 0 1,820 0 0
APPLE INC COMMON STOCK 037833100 71,396 408,887 SH   SOLE 0 408,887 0 0
APPLE INC COMMON STOCK 037833100 1,140 6,529 SH   DFND 0 6,529 0 0
APPLIED MATERIALS INC COMMON STOCK 038222105 54 410 SH   SOLE 0 410 0 0
ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102 366 4,050 SH   SOLE 0 4,050 0 0
ARROW FINANCIAL CORPORATION COMMON STOCK 042744102 120 3,699 SH   SOLE 0 3,699 0 0
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 3,017 13,258 SH   SOLE 0 13,258 0 0
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 550 2,419 SH   DFND 0 2,419 0 0
BCE INC FOREIGN EQUITIES 05534B760 19 340 SH   DFND 0 340 0 0
BP PLC ADR FOREIGN EQUITIES 055622104 56 1,910 SH   DFND 0 1,910 0 0
BANK OF AMERICA CORPORATION COMMON STOCK 060505104 995 24,134 SH   SOLE 0 24,134 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 93 1,881 SH   SOLE 0 1,881 0 0
BARRICK GOLD CORPORATION FOREIGN EQUITIES 067901108 15 600 SH   SOLE 0 600 0 0
BARRICK GOLD CORPORATION FOREIGN EQUITIES 067901108 10 415 SH   DFND 0 415 0 0
BAXTER INTERNATIONAL INC COMMON STOCK 071813109 1,096 14,135 SH   SOLE 0 14,135 0 0
BAXTER INTERNATIONAL INC COMMON STOCK 071813109 27 350 SH   DFND 0 350 0 0
BECTON DICKINSON AND COMPANY COMMON STOCK 075887109 1,149 4,320 SH   SOLE 0 4,320 0 0
BECTON DICKINSON AND COMPANY COMMON STOCK 075887109 266 1,000 SH   DFND 0 1,000 0 0
BERKSHIRE HATHAWAY INC B COMMON STOCK 084670702 582 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 500 6,475 SH   SOLE 0 6,475 0 0
BHP GROUP LTD ADR FOREIGN EQUITIES 088606108 147 1,900 SH   DFND 0 1,900 0 0
BIOGEN INC COMMON STOCK 09062X103 168 800 SH   DFND 0 800 0 0
BIONTECH SE ADR FOREIGN EQUITIES 09075V102 17 100 SH   SOLE 0 100 0 0
BIONTECH SE ADR FOREIGN EQUITIES 09075V102 34 200 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 65 12,758 SH   SOLE 0 12,758 0 0
BLACKROCK INC COMMON STOCK 09247X101 531 695 SH   SOLE 0 695 0 0
BLACKROCK INC COMMON STOCK 09247X101 23 30 SH   DFND 0 30 0 0
BLACKROCK ENHANCED EQT DIV ETF/EQUITY 09251A104 56 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 274 1,430 SH   SOLE 0 1,430 0 0
BOEING COMPANY COMMON STOCK 097023105 38 200 SH   DFND 0 200 0 0
BORGWARNER INC COMMON STOCK 099724106 533 13,700 SH   SOLE 0 13,700 0 0
BORGWARNER INC COMMON STOCK 099724106 14 350 SH   DFND 0 350 0 0
BRISTOL MYERS SQUIBB COMPANY COMMON STOCK 110122108 6,963 95,349 SH   SOLE 0 95,349 0 0
BRISTOL MYERS SQUIBB COMPANY COMMON STOCK 110122108 7,805 106,869 SH   DFND 0 106,869 0 0
BROADCOM INC COMMON STOCK 11135F101 1,687 2,680 SH   SOLE 0 2,680 0 0
BROADCOM INC COMMON STOCK 11135F101 633 1,005 SH   DFND 0 1,005 0 0
BROOKFIELD ASSET MGMT INC CLASS A FOREIGN EQUITIES 112585104 86 1,528 SH   DFND 0 1,528 0 0
C H ROBINSON WORLDWIDE INC COMMON STOCK 12541W209 40 367 SH   SOLE 0 367 0 0
C H ROBINSON WORLDWIDE INC COMMON STOCK 12541W209 32 300 SH   DFND 0 300 0 0
CIGNA CORP COMMON STOCK 125523100 245 1,023 SH   SOLE 0 1,023 0 0
CIGNA CORP COMMON STOCK 125523100 78 324 SH   DFND 0 324 0 0
CSX CORP COMMON STOCK 126408103 412 11,013 SH   SOLE 0 11,013 0 0
CSX CORP COMMON STOCK 126408103 1,636 43,680 SH   DFND 0 43,680 0 0
CVS HEALTH CORP COMMON STOCK 126650100 3,729 36,842 SH   SOLE 0 36,842 0 0
CVS HEALTH CORP COMMON STOCK 126650100 790 7,805 SH   DFND 0 7,805 0 0
CARRIER GLOBAL CORPORATION COMMON STOCK 14448C104 489 10,662 SH   SOLE 0 10,662 0 0
CARRIER GLOBAL CORPORATION COMMON STOCK 14448C104 116 2,535 SH   DFND 0 2,535 0 0
CATERPILLAR INC COMMON STOCK 149123101 4,108 18,438 SH   SOLE 0 18,438 0 0
CATERPILLAR INC COMMON STOCK 149123101 527 2,365 SH   DFND 0 2,365 0 0
CEL SCI CORP COMMON STOCK 150837607 2 500 SH   SOLE 0 500 0 0
THE CHEMOURS CO COMMON STOCK 163851108 11 360 SH   DFND 0 360 0 0
CHEVRON CORP COMMON STOCK 166764100 4,874 29,934 SH   SOLE 0 29,934 0 0
CHEVRON CORP COMMON STOCK 166764100 1,098 6,746 SH   DFND 0 6,746 0 0
CHURCH & DWIGHT CO INC COMMON STOCK 171340102 199 2,000 SH   DFND 0 2,000 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 8,550 153,367 SH   SOLE 0 153,367 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 1,798 32,243 SH   DFND 0 32,243 0 0
CITIGROUP INC COMMON STOCK 172967424 3 63 SH   SOLE 0 63 0 0
CLEANSPARK INC COMMON STOCK 18452B209 16 1,263 SH   SOLE 0 1,263 0 0
COCA COLA COMPANY COMMON STOCK 191216100 7,967 128,496 SH   SOLE 0 128,496 0 0
COCA COLA COMPANY COMMON STOCK 191216100 1,041 16,786 SH   DFND 0 16,786 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 616 8,126 SH   SOLE 0 8,126 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 490 6,466 SH   DFND 0 6,466 0 0
COMCAST CORP CLASS A COMMON STOCK 20030N101 2,936 62,723 SH   SOLE 0 62,723 0 0
COMCAST CORP CLASS A COMMON STOCK 20030N101 180 3,856 SH   DFND 0 3,856 0 0
COMMUNITY BK SYS INC COMMON STOCK 203607106 80 1,142 SH   SOLE 0 1,142 0 0
COMMUNITY BK SYS INC COMMON STOCK 203607106 9,363 133,478 SH   DFND 0 133,478 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 1,171 11,709 SH   SOLE 0 11,709 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 321 3,206 SH   DFND 0 3,206 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 299 3,160 SH   SOLE 0 3,160 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 53 565 SH   DFND 0 565 0 0
CONSTELLATION BRANDS INC CLASS A COMMON STOCK 21036P108 299 1,300 SH   SOLE 0 1,300 0 0
CONSTELLATION BRANDS INC CLASS A COMMON STOCK 21036P108 230 1,000 SH   DFND 0 1,000 0 0
CONSTELLATION ENERGY CORP COMMON STOCK 21037T109 52 932 SH   SOLE 0 932 0 0
CONSTELLATION ENERGY CORP COMMON STOCK 21037T109 101 1,789 SH   DFND 0 1,789 0 0
COOPER COMPANIES INC COMMON STOCK 216648402 69 166 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 1,034 28,021 SH   SOLE 0 28,021 0 0
CORNING INC COMMON STOCK 219350105 79 2,150 SH   DFND 0 2,150 0 0
CORTEVA INC COMMON STOCK 22052L104 339 5,897 SH   SOLE 0 5,897 0 0
CORTEVA INC COMMON STOCK 22052L104 56 974 SH   DFND 0 974 0 0
COSTCO COMMON STOCK 22160K105 136 236 SH   SOLE 0 236 0 0
CROCS INC COM COMMON STOCK 227046109 68 885 SH   SOLE 0 885 0 0
CUMMINS INC COMMON STOCK 231021106 1,841 8,974 SH   SOLE 0 8,974 0 0
CUMMINS INC COMMON STOCK 231021106 470 2,290 SH   DFND 0 2,290 0 0
DANAHER CORP COMMON STOCK 235851102 139 475 SH   SOLE 0 475 0 0
DEERE & COMPANY COMMON STOCK 244199105 42 100 SH   SOLE 0 100 0 0
DEERE & COMPANY COMMON STOCK 244199105 42 100 SH   DFND 0 100 0 0
DIGI INTL INC COMMON STOCK 253798102 9 400 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 2,959 21,571 SH   SOLE 0 21,571 0 0
WALT DISNEY CO COMMON STOCK 254687106 250 1,823 SH   DFND 0 1,823 0 0
DISCOVER FINANCIAL SERVICES COMMON STOCK 254709108 22 200 SH   SOLE 0 200 0 0
DOLLAR GENERAL CORP COMMON STOCK 256677105 471 2,115 SH   SOLE 0 2,115 0 0
DOLLAR GENERAL CORP COMMON STOCK 256677105 98 440 SH   DFND 0 440 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109 3,809 44,825 SH   SOLE 0 44,825 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109 1,205 14,177 SH   DFND 0 14,177 0 0
DORCHESTER MINERALS LP COMMON STOCK 25820R105 1,341 51,675 SH   SOLE 0 51,675 0 0
DOW INC COMMON STOCK 260557103 3,170 49,755 SH   SOLE 0 49,755 0 0
DOW INC COMMON STOCK 260557103 215 3,374 SH   DFND 0 3,374 0 0
DRAFTKINGS INC CL A COMMON STOCK 26142R104 4 200 SH   SOLE 0 200 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204 557 4,988 SH   SOLE 0 4,988 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204 75 675 SH   DFND 0 675 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102 3,225 43,832 SH   SOLE 0 43,832 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102 205 2,783 SH   DFND 0 2,783 0 0
EOG RESOURCES INC COMMON STOCK 26875P101 378 3,170 SH   SOLE 0 3,170 0 0
EOG RESOURCES INC COMMON STOCK 26875P101 6 50 SH   DFND 0 50 0 0
THE HOYA CAPITAL HOUSING ETF ETF/EQUITY 26922A230 2 62 SH   DFND 0 62 0 0
EASTMAN CHEMICAL CO COMMON STOCK 277432100 314 2,800 SH   SOLE 0 2,800 0 0
ECOLAB INC COMMON STOCK 278865100 200 1,130 SH   SOLE 0 1,130 0 0
ECOLAB INC COMMON STOCK 278865100 44 250 SH   DFND 0 250 0 0
EDISON INTL COMMON STOCK 281020107 35 500 SH   SOLE 0 500 0 0
EDISON INTL COMMON STOCK 281020107 132 1,887 SH   DFND 0 1,887 0 0
EMERSON ELECTRIC CO COMMON STOCK 291011104 4,903 50,005 SH   SOLE 0 50,005 0 0
EMERSON ELECTRIC CO COMMON STOCK 291011104 353 3,599 SH   DFND 0 3,599 0 0
ENBRIDGE INC FOREIGN EQUITIES 29250N105 48 1,050 SH   SOLE 0 1,050 0 0
ENBRIDGE INC FOREIGN EQUITIES 29250N105 48 1,049 SH   DFND 0 1,049 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 28 1,098 SH   SOLE 0 1,098 0 0
EQUIFAX INC COMMON STOCK 294429105 285 1,200 SH   SOLE 0 1,200 0 0
EQUIFAX INC COMMON STOCK 294429105 616 2,600 SH   DFND 0 2,600 0 0
ERICSSON L M TEL CO ADR B SEK 10 FOREIGN EQUITIES 294821608 15 1,640 SH   SOLE 0 1,640 0 0
ESSENTIAL UTILITIES INC COMMON STOCK 29670G102 870 17,014 SH   SOLE 0 17,014 0 0
ESSENTIAL UTILITIES INC COMMON STOCK 29670G102 82 1,613 SH   DFND 0 1,613 0 0
EXELON CORP COMMON STOCK 30161N101 857 18,002 SH   SOLE 0 18,002 0 0
EXELON CORP COMMON STOCK 30161N101 335 7,030 SH   DFND 0 7,030 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102 3,803 46,050 SH   SOLE 0 46,050 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102 1,148 13,902 SH   DFND 0 13,902 0 0
FS KKR CAPITAL CORP COMMON STOCK 302635206 14 621 SH   SOLE 0 621 0 0
META PLATFORMS INC COMMON STOCK 30303M102 72 325 SH   SOLE 0 325 0 0
META PLATFORMS INC COMMON STOCK 30303M102 80 360 SH   DFND 0 360 0 0
FASTENAL CO COMMON STOCK 311900104 30 500 SH   SOLE 0 500 0 0
FASTENAL CO COMMON STOCK 311900104 356 6,000 SH   DFND 0 6,000 0 0
FEDEX CORP COMMON STOCK 31428X106 477 2,060 SH   SOLE 0 2,060 0 0
FEDEX CORP COMMON STOCK 31428X106 43 185 SH   DFND 0 185 0 0
FIDELITY NATL INFORMATION SV COMMON STOCK 31620M106 100 1,000 SH   SOLE 0 1,000 0 0
FIDELITY NATL INFORMATION SV COMMON STOCK 31620M106 100 1,000 SH   DFND 0 1,000 0 0
FIFTH THIRD BANCORP COMMON STOCK 316773100 28 655 SH   DFND 0 655 0 0
FIRST SOLAR, INC. COMMON STOCK 336433107 419 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
FIRSTENERGY CORP COMMON STOCK 337932107 6 120 SH   SOLE 0 120 0 0
FLEXSHARES GLOBAL UPSTREAM NATURAL RESOURCES ETF/INTERNATIONAL EQUITY 33939L407 1,640 35,020 SH   SOLE 0 35,020 0 0
FLEXSHARES GLOBAL UPSTREAM NATURAL RESOURCES ETF/INTERNATIONAL EQUITY 33939L407 61 1,300 SH   DFND 0 1,300 0 0
FORD MOTOR COMPANY COMMON STOCK 345370860 3 200 SH   SOLE 0 200 0 0
FORD MOTOR COMPANY COMMON STOCK 345370860 14 800 SH   DFND 0 800 0 0
FORTUNE BRANDS HOME & SEC COMMON STOCK 34964C106 45 600 SH   SOLE 0 600 0 0
FRANCO NEVADA CORP FOREIGN EQUITIES 351858105 21 132 SH   DFND 0 132 0 0
FREEPORT MCMORAN INC COMMON STOCK 35671D857 22 450 SH   SOLE 0 450 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 28 2,000 SH   SOLE 0 2,000 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 2,033 8,431 SH   SOLE 0 8,431 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 58 240 SH   DFND 0 240 0 0
GENERAL ELECTRIC CO COMMON STOCK 369604301 167 1,825 SH   SOLE 0 1,825 0 0
GENERAL ELECTRIC CO COMMON STOCK 369604301 34 375 SH   DFND 0 375 0 0
GENERAL MILLS INC COMMON STOCK 370334104 3,136 46,307 SH   SOLE 0 46,307 0 0
GENERAL MILLS INC COMMON STOCK 370334104 585 8,640 SH   DFND 0 8,640 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 1,012 17,029 SH   SOLE 0 17,029 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 161 2,700 SH   DFND 0 2,700 0 0
GLOBAL X MLP ETF ETF/EQUITY 37954Y343 27 680 SH   SOLE 0 680 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 17 50 SH   SOLE 0 50 0 0
GOLDMAN SACHS ACCESS ULTRAST ETF/FIXED INCOME 381430230 100 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
HERSHEY CO COMMON STOCK 427866108 302 1,396 SH   SOLE 0 1,396 0 0
HERSHEY CO COMMON STOCK 427866108 217 1,000 SH   DFND 0 1,000 0 0
HOME DEPOT INC COMMON STOCK 437076102 2,963 9,899 SH   SOLE 0 9,899 0 0
HOME DEPOT INC COMMON STOCK 437076102 48 160 SH   DFND 0 160 0 0
HONEYWELL INTL INC COMMON STOCK 438516106 1,997 10,263 SH   SOLE 0 10,263 0 0
HONEYWELL INTL INC COMMON STOCK 438516106 60 309 SH   DFND 0 309 0 0
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109 3,981 19,012 SH   SOLE 0 19,012 0 0
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109 730 3,485 SH   DFND 0 3,485 0 0
INCYTE CORP COMMON STOCK 45337C102 8 100 SH   SOLE 0 100 0 0
INFINITY PHARMACEUTICALS INC COMMON STOCK 45665G303 7 6,000 SH   SOLE 0 6,000 0 0
INFUSYSTEMS HOLDINGS INC COMMON STOCK 45685K102 10 1,000 SH   SOLE 0 1,000 0 0
INGERSOLL RAND INC COMMON STOCK 45687V106 55 1,095 SH   SOLE 0 1,095 0 0
INTEL CORP COMMON STOCK 458140100 6,946 140,163 SH   SOLE 0 140,163 0 0
INTEL CORP COMMON STOCK 458140100 1,093 22,045 SH   DFND 0 22,045 0 0
INTL BUSINESS MACHINES CORP COMMON STOCK 459200101 7,463 57,399 SH   SOLE 0 57,399 0 0
INTL BUSINESS MACHINES CORP COMMON STOCK 459200101 10,131 77,920 SH   DFND 0 77,920 0 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103 222 4,805 SH   SOLE 0 4,805 0 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103 21 456 SH   DFND 0 456 0 0
INVESCO ACTIVELY MANAGD ETF ULTRA SHRT DUR ETF/FIXED INCOME 46090A887 551 11,065 SH   SOLE 0 11,065 0 0
INVESCO ACTIVELY MANAGD ETF ULTRA SHRT DUR ETF/FIXED INCOME 46090A887 4 90 SH   DFND 0 90 0 0
INVESCO QQQ TRUST ETF/EQUITY 46090E103 1,328 3,662 SH   SOLE 8 3,654 8 0
INVESCO QQQ TRUST ETF/EQUITY 46090E103 116 319 SH   DFND 0 319 0 0
INVESCO MUNICIPAL TRUST CLOSED END MUTUAL FUNDS 46131J103 23 2,000 SH   SOLE 0 2,000 0 0
INVESCO EXCHANGE TRADED FD TR WILDERHIL CLAN ETF/EQUITY 46137V134 21 323 SH   DFND 0 323 0 0
INVESCO S&P SMALLCAP 600 PURE VALUE ETF ETF/EQUITY 46137V167 23 238 SH   SOLE 0 238 0 0
INVESCO S&P 500 PURE VAL ETF ETF/EQUITY 46137V258 1,842 21,510 SH   SOLE 0 21,495 0 15
INVESCO S&P 500 PURE VAL ETF ETF/EQUITY 46137V258 4 45 SH   DFND 0 45 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 99 2,305 SH   SOLE 0 2,275 0 30
INVESCO DYNAMIC BLDNG CONSTR ETF/EQUITY 46137V779 3 70 SH   DFND 0 70 0 0
INVESCO MSCI GLOBAL TIMBER ETF/EQUITY 46138E545 2 65 SH   DFND 0 65 0 0
INVESCO VARIABLE RATE PFD ETF/EQUITY 46138G870 1,619 66,260 SH   SOLE 0 66,260 0 0
INVESCO VARIABLE RATE PFD ETF/EQUITY 46138G870 7 300 SH   DFND 0 300 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB COMMON STOCK 46138J841 15 725 SH   SOLE 0 725 0 0
IQVIA HLDGS INC COMMON STOCK 46266C105 23 100 SH   SOLE 0 100 0 0
IRIDIUM COMMUNICATIONS INC COMMON STOCK 46269C102 8 200 SH   DFND 0 200 0 0
ISHARES SILVER TRUST ETF/OTHER 46428Q109 22 980 SH   SOLE 0 980 0 0
ISHARES SILVER TRUST ETF/OTHER 46428Q109 43 1,872 SH   DFND 0 1,872 0 0
ISHARES GOLD TRUST ETF/OTHER 464285204 5,913 160,605 SH   SOLE 0 160,455 0 150
ISHARES MSCI CANADA ETF ETF/INTERNATIONAL EQUITY 464286509 2,658 66,119 SH   SOLE 0 66,019 0 100
ISHARES MSCI CANADA ETF ETF/INTERNATIONAL EQUITY 464286509 10 255 SH   DFND 0 255 0 0
ISHARES SELECT DIVIDEND ETF ETF/EQUITY 464287168 77 600 SH   SOLE 0 600 0 0
ISHARES TIPS BOND ETF ETF/FIXED INCOME 464287176 75 606 SH   SOLE 0 606 0 0
ISHARES CORE S&P 500 ETF ETF/EQUITY 464287200 47,378 104,428 SH   SOLE 38 104,390 38 0
ISHARES CORE S&P 500 ETF ETF/EQUITY 464287200 169 372 SH   DFND 0 372 0 0
ISHARES MSCI EMERGING MKTS ETF ETF/INTERNATIONAL EQUITY 464287234 167 3,693 SH   SOLE 0 3,693 0 0
ISHARES IBOXX $ INVMT GRADE CORP BOND ETF ETF/FIXED INCOME 464287242 193 1,596 SH   SOLE 40 1,556 40 0
ISHARES S&P 500 GROWTH ETF ETF/EQUITY 464287309 926 12,129 SH   SOLE 0 12,129 0 0
ISHARES GLOBAL HEALTHCARE ETF/EQUITY 464287325 46 520 SH   SOLE 0 520 0 0
ISHARES S&P 500 VALUE ETF ETF/EQUITY 464287408 933 5,990 SH   SOLE 0 5,990 0 0
ISHARES 7-10 YEAR TSY BOND ETF/FIXED INCOME 464287440 964 8,970 SH   SOLE 0 8,780 0 190
ISHARES 7-10 YEAR TSY BOND ETF/FIXED INCOME 464287440 8 75 SH   DFND 0 75 0 0
ISHARES 1-3 YR TREASURY BOND ETF/FIXED INCOME 464287457 1,120 13,437 SH   SOLE 0 13,437 0 0
ISHARES 1-3 YR TREASURY BOND ETF/FIXED INCOME 464287457 30 354 SH   DFND 0 354 0 0
ISHARES MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 464287465 2,625 35,670 SH   SOLE 0 35,670 0 0
ISHARES MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 464287465 316 4,287 SH   DFND 0 4,287 0 0
ISHARES RUSSELL MIDCAP VALUE ETF/EQUITY 464287473 4,606 38,503 SH   SOLE 0 38,503 0 0
ISHARES RUSSELL MIDCAP VALUE ETF/EQUITY 464287473 167 1,400 SH   DFND 0 1,400 0 0
ISHARES RUSSELL MIDCAP ETF ETF/EQUITY 464287499 138 1,774 SH   DFND 0 1,774 0 0
ISHARES CORE S&P MIDCAP ETF ETF/EQUITY 464287507 10,108 37,670 SH   SOLE 0 37,659 0 11
ISHARES CORE S&P MIDCAP ETF ETF/EQUITY 464287507 159 593 SH   DFND 0 593 0 0
ISHARES RUSSELL 1000 VALUE ETF/EQUITY 464287598 3,936 23,714 SH   SOLE 33 23,546 33 135
ISHARES RUSSELL 1000 VALUE ETF/EQUITY 464287598 127 766 SH   DFND 0 766 0 0
ISHARES S&P MIDCAP 400 GROWTH ETF ETF/EQUITY 464287606 462 5,980 SH   SOLE 0 5,980 0 0
ISHARES S&P MIDCAP 400 GROWTH ETF ETF/EQUITY 464287606 46 600 SH   DFND 0 600 0 0
ISHARES RUSSELL 1000 GROWTH ETF ETF/EQUITY 464287614 6,487 23,365 SH   SOLE 0 23,290 0 75
ISHARES RUSSELL 1000 GROWTH ETF ETF/EQUITY 464287614 174 627 SH   DFND 0 627 0 0
ISHARES RUSSELL 2000 VALUE ETF/EQUITY 464287630 34 209 SH   DFND 0 209 0 0
ISHARES RUSSELL 2000 GROWTH ETF ETF/EQUITY 464287648 5 19 SH   SOLE 0 19 0 0
ISHARES RUSSELL 2000 GROWTH ETF ETF/EQUITY 464287648 36 141 SH   DFND 0 141 0 0
ISHARES RUSSELL 2000 ETF ETF/EQUITY 464287655 996 4,853 SH   SOLE 0 4,853 0 0
ISHARES RUSSELL 2000 ETF ETF/EQUITY 464287655 129 628 SH   DFND 0 628 0 0
ISHARES US TELECOM ETF ETF/EQUITY 464287713 1 20 SH   SOLE 0 20 0 0
ISHARES CORE S&P SMALLCAP ETF ETF/EQUITY 464287804 11,953 110,798 SH   SOLE 0 110,771 0 27
ISHARES CORE S&P SMALLCAP ETF ETF/EQUITY 464287804 149 1,381 SH   DFND 0 1,381 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 363 16,850 SH   SOLE 0 16,850 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 1,190 22,759 SH   SOLE 0 22,759 0 0
ISHARES MSCI ACWI EX US ETF ETF/INTERNATIONAL EQUITY 464288240 27 521 SH   DFND 0 521 0 0
ISHARES MSCI ACWI ETF ETF/EQUITY 464288257 26,825 268,839 SH   SOLE 0 268,594 0 245
ISHARES MSCI ACWI ETF ETF/EQUITY 464288257 30 300 SH   DFND 0 300 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 296 3,593 SH   SOLE 40 3,553 40 0
ISHARES IBOXX $ HIGH YIELD CORP BOND ETF ETF/FIXED INCOME 464288513 90 1,093 SH   DFND 0 1,093 0 0
ISHARES INTERMEDIATE CREDIT BOND ETF ETF/FIXED INCOME 464288638 27 496 SH   DFND 0 496 0 0
ISHARES SHORT TERM CORP BOND ETF/FIXED INCOME 464288646 98 1,900 SH   DFND 0 1,900 0 0
ISHARES US PREFERRED STOCK ETF/OTHER 464288687 2,724 74,826 SH   SOLE 0 74,826 0 0
ISHARES US PREFERRED STOCK ETF/OTHER 464288687 225 6,190 SH   DFND 0 6,190 0 0
ISHARES US HOME CONSTRUCTION ETF/EQUITY 464288752 2 33 SH   DFND 0 33 0 0
ISHARES CORE HIGH DIVIDEND ETF/EQUITY 46429B663 95 890 SH   SOLE 0 890 0 0
ISHARES CORE HIGH DIVIDEND ETF/EQUITY 46429B663 10 90 SH   DFND 0 90 0 0
ISHARES EDGE MSCI MIN VOL EAFE ETF ETF/INTERNATIONAL EQUITY 46429B689 4 50 SH   DFND 0 50 0 0
ISHARES EDGE MSCI MIN VOL USA ETF ETF/EQUITY 46429B697 8,638 111,375 SH   SOLE 0 111,260 0 115
ISHARES CORE MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 46432F842 38,904 559,687 SH   SOLE 50 559,322 50 315
ISHARES CORE MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 46432F842 514 7,401 SH   DFND 0 7,401 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 46434G103 11,197 201,605 SH   SOLE 0 201,470 0 135
ISHARES CORE MSCI EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 46434G103 18 325 SH   DFND 0 325 0 0
ISHARES MSCI EM EX CHINA ETF/INTERNATIONAL EQUITY 46434G764 1,400 24,065 SH   SOLE 0 24,020 0 45
ISHARES MSCI EM EX CHINA ETF/INTERNATIONAL EQUITY 46434G764 3 60 SH   DFND 0 60 0 0
ISHARES MSCI GLOBAL MTL&MIN PRODUCERS ETF ETF/INTERNATIONAL EQUITY 46434G848 2 32 SH   DFND 0 32 0 0
ISHARES ESG MSCI EM ETF ETF/INTERNATIONAL EQUITY 46434G863 373 10,155 SH   SOLE 0 10,155 0 0
ISHARES 0-5 YR INVMT GR CORP ETF/FIXED INCOME 46434V100 39 795 SH   DFND 0 795 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 21 205 SH   SOLE 0 205 0 0
ISHARES TR ESG MSCI USA ETF (ESGU) ETF/EQUITY 46435G425 25 243 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 390 5,285 SH   SOLE 0 5,285 0 0
ISHARES CYBERSEC & TECH ETF ETF/EQUITY 46435U135 1 34 SH   DFND 0 34 0 0
ISHARES BB RATED CRP BND ETF ETF/FIXED INCOME 46435U473 3,326 68,305 SH   SOLE 0 68,080 0 225
ISHARES BB RATED CRP BND ETF ETF/FIXED INCOME 46435U473 9 185 SH   DFND 0 185 0 0
ISHARES ESG AWARE MSCI SMALLCAP ETF ETF/EQUITY 46435U663 1 25 SH   SOLE 0 25 0 0
JPMORGAN CHASE & CO COMMON STOCK 46625H100 9,569 70,194 SH   SOLE 0 70,194 0 0
JPMORGAN CHASE & CO COMMON STOCK 46625H100 707 5,183 SH   DFND 0 5,183 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 5,916 96,345 SH   SOLE 0 96,345 0 0
JP MORGAN ULTRA SHORT INC ETF/FIXED INCOME 46641Q837 4,471 88,930 SH   SOLE 0 88,700 0 230
JP MORGAN ULTRA SHORT INC ETF/FIXED INCOME 46641Q837 9 175 SH   DFND 0 175 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 4,399 87,620 SH   SOLE 0 87,345 0 275
JANUS DETROIT STREET TR HENDERSON AAA CLO ETF/FIXED INCOME 47103U845 14 270 SH   DFND 0 270 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 9,929 56,024 SH   SOLE 0 56,024 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 2,703 15,250 SH   DFND 0 15,250 0 0
JOUNCE THERAPEUTICS INC COMMON STOCK 481116101 7 1,000 SH   SOLE 0 1,000 0 0
KELLOGG COMPANY COMMON STOCK 487836108 26 400 SH   SOLE 0 400 0 0
KEYCORP COMMON STOCK 493267108 11 500 SH   SOLE 0 500 0 0
KEYCORP COMMON STOCK 493267108 11 500 SH   DFND 0 500 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 1,153 9,363 SH   SOLE 0 9,363 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 621 5,045 SH   DFND 0 5,045 0 0
KINDER MORGAN INC COMMON STOCK 49456B101 557 29,469 SH   SOLE 0 29,469 0 0
KINDER MORGAN INC COMMON STOCK 49456B101 67 3,530 SH   DFND 0 3,530 0 0
KRAFT HEINZ COMPANY COMMON STOCK 500754106 92 2,333 SH   DFND 0 2,333 0 0
KYNDRYL HOLDINGS INC COMMON STOCK 50155Q100 49 3,734 SH   SOLE 0 3,734 0 0
KYNDRYL HOLDINGS INC COMMON STOCK 50155Q100 131 10,000 SH   DFND 0 10,000 0 0
L3HARRIS TECHNOLOGIES INC COMMON STOCK 502431109 7 30 SH   DFND 0 30 0 0
LAM RESEARCH CORP COMMON STOCK 512807108 46 85 SH   SOLE 0 85 0 0
ESTEE LAUDER COMP INC CL A COMMON STOCK 518439104 27 100 SH   SOLE 0 100 0 0
LIBERTY ALL STAR EQUITY FD CLOSED END MUTUAL FUNDS 530158104 19 2,403 SH   SOLE 0 2,403 0 0
LIBERTY ALL STAR EQUITY FD CLOSED END MUTUAL FUNDS 530158104 19 2,402 SH   DFND 0 2,402 0 0
ELI LILLY AND COMPANY COMMON STOCK 532457108 1,113 3,886 SH   SOLE 0 3,886 0 0
ELI LILLY AND COMPANY COMMON STOCK 532457108 258 900 SH   DFND 0 900 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 3,237 7,333 SH   SOLE 0 7,333 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 476 1,078 SH   DFND 0 1,078 0 0
LOEWS CORP COMMON STOCK 540424108 84 1,300 SH   DFND 0 1,300 0 0
LOWES COMPANIES INC COMMON STOCK 548661107 4,363 21,581 SH   SOLE 0 21,581 0 0
LOWES COMPANIES INC COMMON STOCK 548661107 284 1,407 SH   DFND 0 1,407 0 0
LUMEN TECHNOLOGIES INC COMMON STOCK 550241103 13 1,150 SH   SOLE 0 1,150 0 0
M & T BANK CORP COMMON STOCK 55261F104 320 1,888 SH   SOLE 0 1,888 0 0
M & T BANK CORP COMMON STOCK 55261F104 1,449 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 29 344 SH   DFND 0 344 0 0
MARKEL CORPORATION COMMON STOCK 570535104 49 33 SH   SOLE 0 33 0 0
MASTERCARD INC CLASS A COMMON STOCK 57636Q104 561 1,570 SH   SOLE 0 1,570 0 0
MASTERCARD INC CLASS A COMMON STOCK 57636Q104 20 55 SH   DFND 0 55 0 0
MCDONALDS CORP COMMON STOCK 580135101 3,867 15,638 SH   SOLE 0 15,638 0 0
MCDONALDS CORP COMMON STOCK 580135101 239 966 SH   DFND 0 966 0 0
MCKESSON CORP COMMON STOCK 58155Q103 56 183 SH   SOLE 0 183 0 0
MCKESSON CORP COMMON STOCK 58155Q103 918 3,000 SH   DFND 0 3,000 0 0
MEDICAL PPTYS TRUST INC COMMON STOCK 58463J304 4 200 SH   DFND 0 200 0 0
MERCK & COMPANY INC COMMON STOCK 58933Y105 8,249 100,541 SH   SOLE 0 100,541 0 0
MERCK & COMPANY INC COMMON STOCK 58933Y105 1,437 17,519 SH   DFND 0 17,519 0 0
METLIFE INC COMMON STOCK 59156R108 98 1,390 SH   SOLE 0 1,390 0 0
METLIFE INC COMMON STOCK 59156R108 11 160 SH   DFND 0 160 0 0
METTLER-TOLEDO INTL COMMON STOCK 592688105 384 280 SH   SOLE 0 280 0 0
METTLER-TOLEDO INTL COMMON STOCK 592688105 549 400 SH   DFND 0 400 0 0
MICROSOFT CORP COMMON STOCK 594918104 17,400 56,440 SH   SOLE 0 56,440 0 0
MICROSOFT CORP COMMON STOCK 594918104 3,262 10,580 SH   DFND 0 10,580 0 0
MOLINA HEALTHCARE INC COMMON STOCK 60855R100 17 50 SH   SOLE 0 50 0 0
MONDELEZ INTL INC CL A COMMON STOCK 609207105 319 5,090 SH   SOLE 0 5,090 0 0
MONDELEZ INTL INC CL A COMMON STOCK 609207105 281 4,475 SH   DFND 0 4,475 0 0
MORGAN STANLEY COMMON STOCK 617446448 929 10,631 SH   SOLE 0 10,631 0 0
MURPHY OIL CORPORATION COMMON STOCK 626717102 10 246 SH   SOLE 0 246 0 0
MURPHY USA INC COMMON STOCK 626755102 16 82 SH   SOLE 0 82 0 0
NBT BANCORP INC COMMON STOCK 628778102 627 17,366 SH   SOLE 0 17,366 0 0
NBT BANCORP INC COMMON STOCK 628778102 342 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 48 700 SH   SOLE 0 700 0 0
NATIONAL FUEL GAS COMPANY COMMON STOCK 636180101 211 3,076 SH   DFND 0 3,076 0 0
NATIONAL GRID PLC ADR FOREIGN EQUITIES 636274409 102 1,323 SH   DFND 0 1,323 0 0
NETFLIX INC COMMON STOCK 64110L106 90 240 SH   SOLE 0 240 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
NEWMONT MINING CORP COMMON STOCK 651639106 48 600 SH   SOLE 0 600 0 0
NEXSTAR MEDIA GROUP CLASS A COMMON STOCK 65336K103 9 50 SH   SOLE 0 50 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 3,046 35,954 SH   SOLE 0 35,954 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 1,860 21,960 SH   DFND 0 21,960 0 0
NIKE INC CLASS B COMMON STOCK 654106103 3,138 23,318 SH   SOLE 0 23,318 0 0
NIKE INC CLASS B COMMON STOCK 654106103 239 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 2,225 7,803 SH   SOLE 0 7,803 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 342 1,200 SH   DFND 0 1,200 0 0
NORTHROP GRUMMAN CORP COMMON STOCK 666807102 13 30 SH   SOLE 0 30 0 0
NORTHROP GRUMMAN CORP COMMON STOCK 666807102 89 200 SH   DFND 0 200 0 0
NORWOOD FINANCIAL CORP COMMON STOCK 669549107 257 8,992 SH   SOLE 0 8,992 0 0
NOVARTIS AG ADR FOREIGN EQUITIES 66987V109 200 2,278 SH   SOLE 0 2,278 0 0
NOVARTIS AG ADR FOREIGN EQUITIES 66987V109 286 3,255 SH   DFND 0 3,255 0 0
NUCOR CORP COMMON STOCK 670346105 5,791 38,955 SH   SOLE 0 38,955 0 0
NUCOR CORP COMMON STOCK 670346105 1,153 7,758 SH   DFND 0 7,758 0 0
NVIDIA CORPORATION COMMON STOCK 67066G104 612 2,243 SH   SOLE 0 2,243 0 0
NVIDIA CORPORATION COMMON STOCK 67066G104 491 1,800 SH   DFND 0 1,800 0 0
NUVEEN AMT FREE MUNI CR INC CLOSED END MUTUAL FUNDS 67071L106 44 3,000 SH   SOLE 0 3,000 0 0
OCCIDENTAL PETROLEUM CORP COMMON STOCK 674599105 11 200 SH   SOLE 0 200 0 0
OCCIDENTAL PETE CORP W EXP 08/03/2027 WARRANTS & RIGHTS 674599162 1 25 SH   SOLE 0 25 0 0
OKTA INC CL A COMMON STOCK 679295105 30 200 SH   DFND 0 200 0 0
OMNICOM GROUP INC COMMON STOCK 681919106 3,431 40,419 SH   SOLE 0 40,419 0 0
OMNICOM GROUP INC COMMON STOCK 681919106 215 2,535 SH   DFND 0 2,535 0 0
OMEGA HEALTHCARE INV INC COMMON STOCK 681936100 11 362 SH   SOLE 0 362 0 0
ONEOK INC COMMON STOCK 682680103 28 394 SH   SOLE 0 394 0 0
ORACLE CORP COMMON STOCK 68389X105 298 3,606 SH   SOLE 0 3,606 0 0
ORANGE SA ADR FOREIGN EQUITIES 684060106 12 1,000 SH   DFND 0 1,000 0 0
ORGANON & CO COMMON STOCK 68622V106 16 470 SH   SOLE 0 470 0 0
ORGANON & CO COMMON STOCK 68622V106 38 1,078 SH   DFND 0 1,078 0 0
OTIS WORLDWIDE CORP COMMON STOCK 68902V107 21 275 SH   SOLE 0 275 0 0
OTIS WORLDWIDE CORP COMMON STOCK 68902V107 76 985 SH   DFND 0 985 0 0
PNC FINL SVCS GROUP INC COMMON STOCK 693475105 2,059 11,162 SH   SOLE 0 11,162 0 0
PNC FINL SVCS GROUP INC COMMON STOCK 693475105 10 55 SH   DFND 0 55 0 0
PPG INDUSTRIES INC COMMON STOCK 693506107 295 2,248 SH   SOLE 0 2,248 0 0
PPG INDUSTRIES INC COMMON STOCK 693506107 26 200 SH   DFND 0 200 0 0
PPL CORP COMMON STOCK 69351T106 512 17,944 SH   SOLE 0 17,944 0 0
PPL CORP COMMON STOCK 69351T106 74 2,600 SH   DFND 0 2,600 0 0
PACER BENCHMARK DATA&INFRAS RE SECTOR ETF ETF/EQUITY 69374H741 1,152 29,505 SH   SOLE 0 29,435 0 70
PACER BENCHMARK DATA&INFRAS RE SECTOR ETF ETF/EQUITY 69374H741 4 100 SH   DFND 0 100 0 0
PALO ALTO NETWORKS INC COMMON STOCK 697435105 62 100 SH   SOLE 0 100 0 0
PAYCOM SOFTWARE INC COMMON STOCK 70432V102 23 67 SH   SOLE 0 67 0 0
PAYCOM SOFTWARE INC COMMON STOCK 70432V102 23 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 61 1,218 SH   SOLE 0 1,218 0 0
PEOPLES UNITED FINANCIAL INC COMMON STOCK 712704105 70 3,500 SH   SOLE 0 3,500 0 0
PEOPLES UNITED FINANCIAL INC COMMON STOCK 712704105 30 1,500 SH   DFND 0 1,500 0 0
PEPSICO INC COMMON STOCK 713448108 8,674 51,820 SH   SOLE 0 51,820 0 0
PEPSICO INC COMMON STOCK 713448108 1,872 11,186 SH   DFND 0 11,186 0 0
PFIZER INC COMMON STOCK 717081103 6,452 124,628 SH   SOLE 0 124,628 0 0
PFIZER INC COMMON STOCK 717081103 1,525 29,454 SH   DFND 0 29,454 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109 282 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 1,166 13,495 SH   SOLE 0 13,495 0 0
PHILLIPS 66 COMMON STOCK 718546104 138 1,600 SH   DFND 0 1,600 0 0
PIMCO ENHANCED SHORT MAT ESG ETF/FIXED INCOME 72201R643 99 1,000 SH   SOLE 0 1,000 0 0
PIMCO ENHANCED LOW DURATION ETF/FIXED INCOME 72201R718 2,536 26,000 SH   SOLE 0 26,000 0 0
PIMCO ENHANCED SHORT MATURE ACTIVE ETF ETF/FIXED INCOME 72201R833 3,105 31,000 SH   SOLE 0 31,000 0 0
PLAINS ALL AMERICAN PIPELINE COMMON STOCK 726503105 32 3,000 SH   DFND 0 3,000 0 0
PRINCIPAL SPECTRUM PFD SEC ETF/EQUITY 74255Y888 2,505 131,990 SH   SOLE 0 131,990 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 8,208 53,715 SH   SOLE 0 53,715 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 1,025 6,707 SH   DFND 0 6,707 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102 11 91 SH   SOLE 0 91 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102 25 215 SH   DFND 0 215 0 0
PUBLIC SVC ENTERPRISE GROUP COMMON STOCK 744573106 5,707 81,534 SH   SOLE 0 81,534 0 0
PUBLIC SVC ENTERPRISE GROUP COMMON STOCK 744573106 1,331 19,017 SH   DFND 0 19,017 0 0
PULTE GROUP INC COMMON STOCK 745867101 9 210 SH   DFND 0 210 0 0
QUALCOMM INC COMMON STOCK 747525103 2,761 18,067 SH   SOLE 0 18,067 0 0
QUALCOMM INC COMMON STOCK 747525103 430 2,815 SH   DFND 0 2,815 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 2,357 23,787 SH   SOLE 0 23,787 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 684 6,907 SH   DFND 0 6,907 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 13 100 SH   SOLE 0 100 0 0
RIBBONS COMMUNICATIONS INC COMMON STOCK 762544104 4 1,400 SH   SOLE 0 1,400 0 0
ROCKWELL AUTOMATION INC COMMON STOCK 773903109 43 155 SH   DFND 0 155 0 0
ROPER INDS INC COMMON STOCK 776696106 189 400 SH   SOLE 0 400 0 0
ROPER INDS INC COMMON STOCK 776696106 110 233 SH   DFND 0 233 0 0
ROYAL BANK OF CANADA FOREIGN EQUITIES 780087102 1,013 9,190 SH   SOLE 0 9,190 0 0
ROYAL BANK OF CANADA FOREIGN EQUITIES 780087102 143 1,298 SH   DFND 0 1,298 0 0
SHELL PLC FOREIGN EQUITIES 780259305 14 260 SH   DFND 0 260 0 0
S&P GLOBAL INC COMMON STOCK 78409V104 290 706 SH   DFND 0 706 0 0
SPDR S&P 500 ETF ETF/EQUITY 78462F103 8,036 17,794 SH   SOLE 0 17,794 0 0
SPDR S&P 500 ETF ETF/EQUITY 78462F103 444 984 SH   DFND 0 984 0 0
SPDR GOLD SHARES ETF/OTHER 78463V107 476 2,637 SH   SOLE 0 2,637 0 0
SPDR GOLD SHARES ETF/OTHER 78463V107 808 4,475 SH   DFND 0 4,475 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 605 9,135 SH   SOLE 0 9,135 0 0
SPDR PORTFOLIO S&P 500 VALUE ETF/EQUITY 78464A508 631 15,120 SH   SOLE 0 15,120 0 0
SPDR S&P TRANSPORTATION ETF ETF/EQUITY 78464A532 3 34 SH   DFND 0 34 0 0
SPDR PORTFOLIO S&P 500 ETF/EQUITY 78464A854 1,001 18,840 SH   SOLE 0 18,525 0 315
SPDR PORTFOLIO S&P 500 ETF/EQUITY 78464A854 14 265 SH   DFND 0 265 0 0
SPDR BLACKSTONE/GSO SENIOR LOAN ETF ETF/FIXED INCOME 78467V608 3,939 87,639 SH   SOLE 0 87,451 0 188
SPDR BLACKSTONE/GSO SENIOR LOAN ETF ETF/FIXED INCOME 78467V608 13 293 SH   DFND 0 293 0 0
SPDR DOUBLELINE TOTAL RETURNTACT ETF ETF/FIXED INCOME 78467V848 5,048 112,750 SH   SOLE 0 112,750 0 0
SPDR DOUBLELINE TOTAL RETURNTACT ETF ETF/FIXED INCOME 78467V848 18 400 SH   DFND 0 400 0 0
SPDR S&P MIDCAP 400 ETF ETF/EQUITY 78467Y107 6,670 13,599 SH   SOLE 16 13,583 16 0
SPDR S&P MIDCAP 400 ETF ETF/EQUITY 78467Y107 130 265 SH   DFND 0 265 0 0
SPDR PORTFOLIO SMALLCAP ETF ETF/EQUITY 78468R853 15 365 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 96 454 SH   SOLE 0 454 0 0
SCHLUMBERGER LTD FOREIGN EQUITIES 806857108 121 2,918 SH   SOLE 0 2,918 0 0
SCHLUMBERGER LTD FOREIGN EQUITIES 806857108 38 916 SH   DFND 0 916 0 0
SCHWAB US SMALL CAP ETF ETF/EQUITY 808524607 3,774 79,686 SH   SOLE 150 79,536 150 0
SCHWAB US SMALL CAP ETF ETF/EQUITY 808524607 205 4,320 SH   DFND 0 4,320 0 0
MATERIALS SELECT SECTOR SPDR ETF/EQUITY 81369Y100 244 2,765 SH   SOLE 0 2,765 0 0
MATERIALS SELECT SECTOR SPDR ETF/EQUITY 81369Y100 880 9,985 SH   DFND 0 9,985 0 0
HEALTH CARE SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y209 384 2,802 SH   SOLE 0 2,802 0 0
CONSUMER STAPLES SECTOR SPDR ETF/EQUITY 81369Y308 244 3,222 SH   SOLE 0 3,222 0 0
CONSUMER STAPLES SECTOR SPDR ETF/EQUITY 81369Y308 20 270 SH   DFND 0 270 0 0
CONSUMER DISCRET SEL SECT SPDR ETF ETF/EQUITY 81369Y407 322 1,742 SH   SOLE 0 1,742 0 0
CONSUMER DISCRET SEL SECT SPDR ETF ETF/EQUITY 81369Y407 27 147 SH   DFND 0 147 0 0
ENERGY SELECT SECTOR SPDR ETF/EQUITY 81369Y506 2,414 31,582 SH   SOLE 0 31,582 0 0
ENERGY SELECT SECTOR SPDR ETF/EQUITY 81369Y506 215 2,810 SH   DFND 0 2,810 0 0
SPDR FINANCIAL SELECT SECTOR ETF/EQUITY 81369Y605 125 3,262 SH   SOLE 0 3,262 0 0
SPDR INDUSTRIALS (XLI) ETF/EQUITY 81369Y704 107 1,040 SH   SOLE 0 1,040 0 0
TECHNOLOGY SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y803 682 4,290 SH   SOLE 0 4,290 0 0
TECHNOLOGY SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y803 49 311 SH   DFND 0 311 0 0
SELECT SECTOR SPDR TR COMMUNICATION ETF/EQUITY 81369Y852 161 2,345 SH   SOLE 0 2,345 0 0
UTILITIES SELECT SECTOR SPDR ETF/EQUITY 81369Y886 270 3,630 SH   SOLE 0 3,630 0 0
UTILITIES SELECT SECTOR SPDR ETF/EQUITY 81369Y886 7 100 SH   DFND 0 100 0 0
SEMPRA ENERGY COMMON STOCK 816851109 1,853 11,019 SH   SOLE 0 11,019 0 0
SEMPRA ENERGY COMMON STOCK 816851109 320 1,905 SH   DFND 0 1,905 0 0
SIERRA WIRELESS INC FOREIGN EQUITIES 826516106 6 333 SH   DFND 0 333 0 0
SORRENTO THERAPEUTICS INC COMMON STOCK 83587F202 1 600 SH   DFND 0 600 0 0
SOUTHERN COMPANY COMMON STOCK 842587107 519 7,154 SH   SOLE 0 7,154 0 0
SOUTHERN COMPANY COMMON STOCK 842587107 166 2,290 SH   DFND 0 2,290 0 0
SPROTT PHYSICAL GOLD TRUST ETF/OTHER 85207H104 412 26,836 SH   SOLE 0 26,836 0 0
SPROTT PHYSICAL GOLD TRUST ETF/OTHER 85207H104 1 48 SH   DFND 0 48 0 0
SQUARE INC CL A COMMON STOCK 852234103 14 100 SH   SOLE 0 100 0 0
STANLEY BLACK & DECKER INC COMMON STOCK 854502101 280 2,000 SH   DFND 0 2,000 0 0
STARBUCKS CORP COMMON STOCK 855244109 879 9,666 SH   SOLE 0 9,666 0 0
STARBUCKS CORP COMMON STOCK 855244109 54 595 SH   DFND 0 595 0 0
STATE STREET CORP COMMON STOCK 857477103 71 815 SH   SOLE 0 815 0 0
STATE STREET CORP COMMON STOCK 857477103 70 800 SH   DFND 0 800 0 0
STERICYCLE INC COMMON STOCK 858912108 59 1,000 SH   SOLE 0 1,000 0 0
STERICYCLE INC COMMON STOCK 858912108 47 800 SH   DFND 0 800 0 0
STRYKER CORP COMMON STOCK 863667101 1,814 6,785 SH   SOLE 0 6,785 0 0
STRYKER CORP COMMON STOCK 863667101 37 139 SH   DFND 0 139 0 0
SUBURBAN PROPANE PARTNERS LP COMMON STOCK 864482104 11 660 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 53 301 SH   SOLE 0 301 0 0
SUNCOKE ENERGY INC COMMON STOCK 86722A103 2 218 SH   DFND 0 218 0 0
SYSCO CORP COMMON STOCK 871829107 773 9,465 SH   SOLE 0 9,465 0 0
SYSCO CORP COMMON STOCK 871829107 584 7,150 SH   DFND 0 7,150 0 0
TJX COMPANIES COMMON STOCK 872540109 236 3,890 SH   SOLE 0 3,890 0 0
TJX COMPANIES COMMON STOCK 872540109 6 103 SH   DFND 0 103 0 0
TARGET CORP COMMON STOCK 87612E106 1,697 7,995 SH   SOLE 0 7,995 0 0
TARGET CORP COMMON STOCK 87612E106 96 452 SH   DFND 0 452 0 0
TELEDYNE TECHNOLOGIES INC COMMON STOCK 879360105 88 187 SH   DFND 0 187 0 0
TENARIS SA ADR FOREIGN EQUITIES 88031M109 30 1,000 SH   SOLE 0 1,000 0 0
TERADATA CORP COMMON STOCK 88076W103 10 200 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 5,065 27,605 SH   SOLE 0 27,605 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 566 3,085 SH   DFND 0 3,085 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 1,150 1,947 SH   SOLE 0 1,947 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 381 645 SH   DFND 0 645 0 0
3M COMPANY COMMON STOCK 88579Y101 4,497 30,207 SH   SOLE 0 30,207 0 0
3M COMPANY COMMON STOCK 88579Y101 491 3,300 SH   DFND 0 3,300 0 0
TOMPKINS FINANCIAL CORP COMMON STOCK 890110109 168 2,147 SH   SOLE 0 2,147 0 0
TOMPKINS FINANCIAL CORP COMMON STOCK 890110109 337 4,300 SH   DFND 0 4,300 0 0
TORONTO DOMINION BANK FOREIGN EQUITIES 891160509 872 10,974 SH   SOLE 0 10,974 0 0
TORONTO DOMINION BANK FOREIGN EQUITIES 891160509 66 825 SH   DFND 0 825 0 0
TOTAL SA ADR FOREIGN EQUITIES 89151E109 64 1,265 SH   SOLE 0 1,265 0 0
TOYOTA MOTOR CORP FOREIGN EQUITIES 892331307 36 200 SH   SOLE 0 200 0 0
TOYOTA MOTOR CORP FOREIGN EQUITIES 892331307 108 600 SH   DFND 0 600 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109 1,527 8,355 SH   SOLE 0 8,355 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109 50 275 SH   DFND 0 275 0 0
TRUIST FINANCIAL CORP COMMON STOCK 89832Q109 2,622 46,240 SH   SOLE 0 46,240 0 0
TRUIST FINANCIAL CORP COMMON STOCK 89832Q109 224 3,950 SH   DFND 0 3,950 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 2,477 46,614 SH   SOLE 0 46,614 0 0
US BANCORP COMMON STOCK 902973304 539 10,145 SH   DFND 0 10,145 0 0
UNION PACIFIC CORP COMMON STOCK 907818108 1,316 4,816 SH   SOLE 0 4,816 0 0
UNION PACIFIC CORP COMMON STOCK 907818108 829 3,035 SH   DFND 0 3,035 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 4,970 23,176 SH   SOLE 0 23,176 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 372 1,733 SH   DFND 0 1,733 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 3,493 6,850 SH   SOLE 0 6,850 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 650 1,275 SH   DFND 0 1,275 0 0
VF CORP COMMON STOCK 918204108 452 7,950 SH   SOLE 0 7,950 0 0
VF CORP COMMON STOCK 918204108 28 487 SH   DFND 0 487 0 0
VBI VACCINES INC COMMON STOCK 91822J103 14 8,500 SH   SOLE 0 8,500 0 0
VALLEY NATL BANCORP COMMON STOCK 919794107 200 15,356 SH   SOLE 0 15,356 0 0
VANECK VECTORS GOLD MINERS ETF ETF/INTERNATIONAL EQUITY 92189F106 767 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 1,268 7,820 SH   SOLE 0 7,820 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 217 3,634 SH   SOLE 0 3,634 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 634 8,140 SH   SOLE 0 8,140 0 0
VANGUARD SHORT TERM BOND ETF ETF/FIXED INCOME 921937827 138 1,772 SH   DFND 0 1,772 0 0
VANGUARD TOTAL BOND MRKT ETF ETF/FIXED INCOME 921937835 740 9,306 SH   SOLE 125 9,181 125 0
VANGUARD TOTAL BOND MRKT ETF ETF/FIXED INCOME 921937835 45 565 SH   DFND 0 565 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF/INTERNATIONAL EQUITY 921943858 401 8,358 SH   SOLE 0 8,358 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF/INTERNATIONAL EQUITY 921943858 184 3,842 SH   DFND 0 3,842 0 0
VANGUARD HIGH DIVIDEND YIELD ETF/EQUITY 921946406 73 650 SH   SOLE 0 650 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 99 2,000 SH   SOLE 0 2,000 0 0
VANGUARD FINANCIALS ETF ETF/EQUITY 92204A405 555 5,940 SH   SOLE 0 5,940 0 0
VANGUARD FINANCIALS ETF ETF/EQUITY 92204A405 250 2,678 SH   DFND 0 2,678 0 0
VANGUARD HEALTH CARE ETF ETF/EQUITY 92204A504 3 11 SH   DFND 0 11 0 0
VANGUARD INDUSTRIALS ETF ETF/EQUITY 92204A603 10 50 SH   SOLE 0 50 0 0
VANGUARD INDUSTRIALS ETF ETF/EQUITY 92204A603 856 4,400 SH   DFND 0 4,400 0 0
VANGUARD INFO TECH ETF ETF/EQUITY 92204A702 1,341 3,220 SH   SOLE 0 3,220 0 0
VANGUARD INFO TECH ETF ETF/EQUITY 92204A702 152 366 SH   DFND 0 366 0 0
VANGUARD UTILITIES ETF ETF/EQUITY 92204A876 112 695 SH   SOLE 0 695 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 922042858 2,476 53,682 SH   SOLE 65 53,617 65 0
VANGUARD FTSE EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 922042858 373 8,079 SH   DFND 0 8,079 0 0
VANGUARD SHORT TERM CORP BOND ETF ETF/FIXED INCOME 92206C409 2,042 26,155 SH   SOLE 65 26,090 65 0
VANGUARD SHORT TERM CORP BOND ETF ETF/FIXED INCOME 92206C409 716 9,166 SH   DFND 0 9,166 0 0
VANGUARD INTERM-TERM GOVT BDETF ETF/FIXED INCOME 92206C706 5 80 SH   SOLE 0 80 0 0
VANGUARD LONG TERM TREASURY ETF/FIXED INCOME 92206C847 8 105 SH   SOLE 0 105 0 0
VANGUARD INTERM TERM CORP BDETF ETF/FIXED INCOME 92206C870 7,189 83,550 SH   SOLE 0 83,510 0 40
VANGUARD INTERM TERM CORP BDETF ETF/FIXED INCOME 92206C870 5 60 SH   DFND 0 60 0 0
VANGUARD S&P 500 ETF ETF/EQUITY 922908363 884 2,130 SH   SOLE 0 2,130 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 69 309 SH   DFND 0 309 0 0
VANGUARD REIT ETF ETF/EQUITY 922908553 1,158 10,687 SH   SOLE 0 10,687 0 0
VANGUARD REIT ETF ETF/EQUITY 922908553 44 403 SH   DFND 0 403 0 0
VANGUARD SMALLCAP GROWTH ETF ETF/EQUITY 922908595 12 50 SH   SOLE 0 50 0 0
VANGUARD SMALLCAP VALUE ETF ETF/EQUITY 922908611 246 1,400 SH   SOLE 0 1,400 0 0
VANGUARD MIDCAP ETF ETF/EQUITY 922908629 130 548 SH   SOLE 0 548 0 0
VANGUARD EXTENDED MKT IDX ETF/EQUITY 922908652 1 5 SH   SOLE 0 5 0 0
VANGUARD GROWTH ETF ETF/EQUITY 922908736 219 760 SH   SOLE 0 760 0 0
VANGUARD GROWTH ETF ETF/EQUITY 922908736 63 220 SH   DFND 0 220 0 0
VANGUARD SMALLCAP ETF ETF/EQUITY 922908751 221 1,038 SH   SOLE 0 1,038 0 0
VANGUARD TOTAL STOCK MARKET ETF ETF/EQUITY 922908769 14,562 63,961 SH   DFND 0 63,961 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 8,963 175,992 SH   SOLE 0 175,992 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 2,082 40,876 SH   DFND 0 40,876 0 0
VIATRIS INC COMMON STOCK 92556V106 1 108 SH   SOLE 0 108 0 0
VIATRIS INC COMMON STOCK 92556V106 22 2,022 SH   DFND 0 2,022 0 0
VISA INC CLASS A COMMON STOCK 92826C839 1,832 8,261 SH   SOLE 0 8,261 0 0
VISA INC CLASS A COMMON STOCK 92826C839 77 349 SH   DFND 0 349 0 0
WABTEC CORP COMMON STOCK 929740108 1 10 SH   DFND 0 10 0 0
WAL MART STORES INC COMMON STOCK 931142103 5,308 35,643 SH   SOLE 0 35,643 0 0
WAL MART STORES INC COMMON STOCK 931142103 1,384 9,292 SH   DFND 0 9,292 0 0
WALGREENS BOOTS ALLIANCE INC COMMON STOCK 931427108 4 90 SH   SOLE 0 90 0 0
WALGREENS BOOTS ALLIANCE INC COMMON STOCK 931427108 22 500 SH   DFND 0 500 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109 355 2,242 SH   SOLE 0 2,242 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109 107 675 SH   DFND 0 675 0 0
WEBSTER FINANCIAL CORP COMMON STOCK 947890109 13 231 SH   SOLE 0 231 0 0
WEBSTER FINANCIAL CORP COMMON STOCK 947890109 26 463 SH   DFND 0 463 0 0
WELLTOWER INC COMMON STOCK 95040Q104 19 200 SH   DFND 0 200 0 0
WEYERHAEUSER CO COMMON STOCK 962166104 61 1,600 SH   SOLE 0 1,600 0 0
WILLIAMS COMPANIES INC COMMON STOCK 969457100 334 10,000 SH   DFND 0 10,000 0 0
WISDOMTREE US HIGH DIVIDEND ETF ETF/EQUITY 97717W208 1,676 19,030 SH   SOLE 0 19,030 0 0
WISDOMTREE US HIGH DIVIDEND ETF ETF/EQUITY 97717W208 28 322 SH   DFND 0 322 0 0
WISDOMTREE TRUST MIDCAP DIVI FD ETF/EQUITY 97717W505 43 963 SH   SOLE 0 963 0 0
SPDR GOLD MINISHARES ETF/OTHER 98149E303 71 1,854 SH   SOLE 0 1,854 0 0
SPDR GOLD MINISHARES ETF/OTHER 98149E303 11 275 SH   DFND 0 275 0 0
XYLEM INC COMMON STOCK 98419M100 4 44 SH   SOLE 0 44 0 0
ZIMVIE INC COMMON STOCK 98888T107 2 87 SH   SOLE 0 87 0 0
ZIMVIE INC COMMON STOCK 98888T107 6 260 SH   DFND 0 260 0 0
ZEBRA TECHNOLOGIES CORP CL A COMMON STOCK 989207105 28 67 SH   SOLE 0 67 0 0
ZEBRA TECHNOLOGIES CORP CL A COMMON STOCK 989207105 28 67 SH   DFND 0 67 0 0
ZIMMER HOLDINGS INC COMMON STOCK 98956P102 112 874 SH   SOLE 0 874 0 0
ZIMMER HOLDINGS INC COMMON STOCK 98956P102 333 2,600 SH   DFND 0 2,600 0 0