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 32 331 SH   SOLE 0 331 0 0
AMCOR PLC FOREIGN EQUITIES G0250X107 2,177 175,174 SH   SOLE 0 175,174 0 0
AMCOR PLC FOREIGN EQUITIES G0250X107 189 15,230 SH   DFND 0 15,230 0 0
EATON CORP PLC FOREIGN EQUITIES G29183103 25 200 SH   SOLE 0 200 0 0
EATON CORP PLC FOREIGN EQUITIES G29183103 233 1,848 SH   DFND 0 1,848 0 0
LINDE PLC FOREIGN EQUITIES G5494J103 48 166 SH   SOLE 0 166 0 0
MEDTRONIC PLC FOREIGN EQUITIES G5960L103 31 346 SH   SOLE 0 346 0 0
MEDTRONIC PLC FOREIGN EQUITIES G5960L103 9 100 SH   DFND 0 100 0 0
TRANE TECHNOLOGIES PLC FOREIGN EQUITIES G8994E103 161 1,242 SH   SOLE 0 1,242 0 0
WHITE MTNS INS GROUP LTD FOREIGN EQUITIES G9618E107 41 33 SH   SOLE 0 33 0 0
WHITE MTNS INS GROUP LTD FOREIGN EQUITIES G9618E107 42 34 SH   DFND 0 34 0 0
CHUBB LTD FOREIGN EQUITIES H1467J104 2,105 10,706 SH   SOLE 0 10,706 0 0
CHUBB LTD FOREIGN EQUITIES H1467J104 272 1,383 SH   DFND 0 1,383 0 0
UBS GROUP AG FOREIGN EQUITIES H42097107 16 1,000 SH   DFND 0 1,000 0 0
AFLAC INC COMMON STOCK 001055102 123 2,223 SH   SOLE 0 2,223 0 0
AFLAC INC COMMON STOCK 001055102 10 175 SH   DFND 0 175 0 0
AGCO CORP COMMON STOCK 001084102 10 100 SH   DFND 0 100 0 0
AT&T INC COMMON STOCK 00206R102 3,264 155,822 SH   SOLE 0 155,822 0 0
AT&T INC COMMON STOCK 00206R102 646 30,836 SH   DFND 0 30,836 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100 4,147 38,167 SH   SOLE 0 38,167 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100 712 6,550 SH   DFND 0 6,550 0 0
ABBVIE INC COMMON STOCK 00287Y109 7,420 48,446 SH   SOLE 0 48,446 0 0
ABBVIE INC COMMON STOCK 00287Y109 1,230 8,034 SH   DFND 0 8,034 0 0
ADOBE INC COMMON STOCK 00724F101 167 455 SH   SOLE 0 455 0 0
AGILENT TECHNOLOGIES INC COMMON STOCK 00846U101 9 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 10 13,226 SH   SOLE 0 13,226 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 821 3,414 SH   SOLE 0 3,414 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 316 1,313 SH   DFND 0 1,313 0 0
ALBEMARLE CORP COMMON STOCK 012653101 1,200 5,740 SH   SOLE 0 5,740 0 0
ALBEMARLE CORP COMMON STOCK 012653101 468 2,240 SH   DFND 0 2,240 0 0
ALGONQUIN PWR UTILS CORP FOREIGN EQUITIES 015857105 13 1,000 SH   SOLE 0 1,000 0 0
THE ALLSTATE CORPORATION COMMON STOCK 020002101 13 100 SH   DFND 0 100 0 0
ALPHABET INC CLASS C COMMON STOCK 02079K107 669 306 SH   SOLE 0 306 0 0
ALPHABET INC CLASS C COMMON STOCK 02079K107 269 123 SH   DFND 0 123 0 0
ALPHABET INC CLASS A COMMON STOCK 02079K305 3,297 1,513 SH   SOLE 0 1,513 0 0
ALPHABET INC CLASS A COMMON STOCK 02079K305 787 361 SH   DFND 0 361 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 150 3,587 SH   SOLE 0 3,587 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 87 2,079 SH   DFND 0 2,079 0 0
AMAZON.COM INC COMMON STOCK 023135106 2,036 19,170 SH   SOLE 0 19,170 0 0
AMAZON.COM INC COMMON STOCK 023135106 319 3,000 SH   DFND 0 3,000 0 0
AMEREN CORPORATION COMMON STOCK 023608102 226 2,498 SH   SOLE 0 2,498 0 0
AMERICAN ELECTRIC POWER CO COMMON STOCK 025537101 1,311 13,666 SH   SOLE 0 13,666 0 0
AMERICAN ELECTRIC POWER CO COMMON STOCK 025537101 216 2,250 SH   DFND 0 2,250 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 1,149 8,291 SH   SOLE 0 8,291 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 27 192 SH   DFND 0 192 0 0
AMERICAN TOWER CORP COMMON STOCK 03027X100 650 2,545 SH   SOLE 0 2,545 0 0
AMERICAN TOWER CORP COMMON STOCK 03027X100 923 3,610 SH   DFND 0 3,610 0 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103 15 100 SH   SOLE 0 100 0 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103 298 2,000 SH   DFND 0 2,000 0 0
AMETEK INC COMMON STOCK 031100100 110 1,000 SH   SOLE 0 1,000 0 0
AMETEK INC COMMON STOCK 031100100 549 5,000 SH   DFND 0 5,000 0 0
AMGEN INC COMMON STOCK 031162100 2,939 12,080 SH   SOLE 0 12,080 0 0
AMGEN INC COMMON STOCK 031162100 722 2,966 SH   DFND 0 2,966 0 0
ELEVANCE HEALTH INC COMMON STOCK 036752103 782 1,620 SH   SOLE 0 1,620 0 0
APOLLO COMM REAL ESTATE COMMON STOCK 03762U105 21 2,000 SH   DFND 0 2,000 0 0
APPLE INC COMMON STOCK 037833100 56,433 412,763 SH   SOLE 0 412,763 0 0
APPLE INC COMMON STOCK 037833100 783 5,729 SH   DFND 0 5,729 0 0
APPLIED MATERIALS INC COMMON STOCK 038222105 78 860 SH   SOLE 0 860 0 0
ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102 324 4,175 SH   SOLE 0 4,175 0 0
ARROW FINANCIAL CORPORATION COMMON STOCK 042744102 118 3,699 SH   SOLE 0 3,699 0 0
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 2,647 12,603 SH   SOLE 0 12,603 0 0
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 498 2,369 SH   DFND 0 2,369 0 0
BCE INC FOREIGN EQUITIES 05534B760 17 340 SH   DFND 0 340 0 0
BP PLC ADR FOREIGN EQUITIES 055622104 54 1,910 SH   DFND 0 1,910 0 0
BANK OF AMERICA CORPORATION COMMON STOCK 060505104 833 26,772 SH   SOLE 0 26,772 0 0
BANK OF AMERICA CORPORATION COMMON STOCK 060505104 247 7,921 SH   DFND 0 7,921 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 78 1,881 SH   SOLE 0 1,881 0 0
BARRICK GOLD CORPORATION FOREIGN EQUITIES 067901108 4 200 SH   SOLE 0 200 0 0
BARRICK GOLD CORPORATION FOREIGN EQUITIES 067901108 7 415 SH   DFND 0 415 0 0
BAXTER INTERNATIONAL INC COMMON STOCK 071813109 1,052 16,385 SH   SOLE 0 16,385 0 0
BAXTER INTERNATIONAL INC COMMON STOCK 071813109 22 350 SH   DFND 0 350 0 0
BECTON DICKINSON AND COMPANY COMMON STOCK 075887109 1,040 4,220 SH   SOLE 0 4,220 0 0
BECTON DICKINSON AND COMPANY COMMON STOCK 075887109 247 1,000 SH   DFND 0 1,000 0 0
BERKSHIRE HATHAWAY INC B COMMON STOCK 084670702 431 1,577 SH   SOLE 0 1,577 0 0
BERKSHIRE HILLS BANCORP INC COMMON STOCK 084680107 7 264 SH   DFND 0 264 0 0
BHP GROUP LTD ADR FOREIGN EQUITIES 088606108 324 5,775 SH   SOLE 0 5,775 0 0
BHP GROUP LTD ADR FOREIGN EQUITIES 088606108 107 1,900 SH   DFND 0 1,900 0 0
BIOGEN INC COMMON STOCK 09062X103 163 800 SH   DFND 0 800 0 0
BIONTECH SE ADR FOREIGN EQUITIES 09075V102 15 100 SH   SOLE 0 100 0 0
BIONTECH SE ADR FOREIGN EQUITIES 09075V102 30 200 SH   DFND 0 200 0 0
BLACKBERRY LTD NPV FOREIGN EQUITIES 09228F103 0 83 SH   DFND 0 83 0 0
BLACKROCK INC COMMON STOCK 09247X101 423 695 SH   SOLE 0 695 0 0
BLACKROCK INC COMMON STOCK 09247X101 18 30 SH   DFND 0 30 0 0
BLACKROCK ENHANCED EQT DIV ETF/EQUITY 09251A104 50 5,703 SH   DFND 0 5,703 0 0
BLACKSTONE GROUP INC COMMON STOCK 09260D107 9 100 SH   SOLE 0 100 0 0
BLACKSTONE GROUP INC COMMON STOCK 09260D107 9 100 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 226 1,650 SH   SOLE 0 1,650 0 0
BOEING COMPANY COMMON STOCK 097023105 27 200 SH   DFND 0 200 0 0
BORGWARNER INC COMMON STOCK 099724106 594 17,820 SH   SOLE 0 17,820 0 0
BORGWARNER INC COMMON STOCK 099724106 12 350 SH   DFND 0 350 0 0
BRISTOL MYERS SQUIBB COMPANY COMMON STOCK 110122108 7,338 95,294 SH   SOLE 0 95,294 0 0
BRISTOL MYERS SQUIBB COMPANY COMMON STOCK 110122108 8,129 105,569 SH   DFND 0 105,569 0 0
BROADCOM INC COMMON STOCK 11135F101 1,788 3,680 SH   SOLE 0 3,680 0 0
BROADCOM INC COMMON STOCK 11135F101 505 1,040 SH   DFND 0 1,040 0 0
BROOKFIELD ASSET MGMT INC CLASS A FOREIGN EQUITIES 112585104 68 1,528 SH   DFND 0 1,528 0 0
C H ROBINSON WORLDWIDE INC COMMON STOCK 12541W209 37 367 SH   SOLE 0 367 0 0
C H ROBINSON WORLDWIDE INC COMMON STOCK 12541W209 30 300 SH   DFND 0 300 0 0
CIGNA CORP COMMON STOCK 125523100 270 1,023 SH   SOLE 0 1,023 0 0
CIGNA CORP COMMON STOCK 125523100 85 324 SH   DFND 0 324 0 0
CSX CORP COMMON STOCK 126408103 302 10,395 SH   SOLE 0 10,395 0 0
CSX CORP COMMON STOCK 126408103 1,269 43,680 SH   DFND 0 43,680 0 0
CVS HEALTH CORP COMMON STOCK 126650100 3,344 36,094 SH   SOLE 0 36,094 0 0
CVS HEALTH CORP COMMON STOCK 126650100 712 7,680 SH   DFND 0 7,680 0 0
CARMAX INC COMMON STOCK 143130102 9 100 SH   SOLE 0 100 0 0
CARRIER GLOBAL CORPORATION COMMON STOCK 14448C104 363 10,190 SH   SOLE 0 10,190 0 0
CARRIER GLOBAL CORPORATION COMMON STOCK 14448C104 73 2,035 SH   DFND 0 2,035 0 0
CATERPILLAR INC COMMON STOCK 149123101 3,353 18,758 SH   SOLE 0 18,758 0 0
CATERPILLAR INC COMMON STOCK 149123101 342 1,915 SH   DFND 0 1,915 0 0
CEL SCI CORP COMMON STOCK 150837607 2 500 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 4,278 29,549 SH   SOLE 0 29,549 0 0
CHEVRON CORP COMMON STOCK 166764100 948 6,546 SH   DFND 0 6,546 0 0
CHURCH & DWIGHT CO INC COMMON STOCK 171340102 185 2,000 SH   DFND 0 2,000 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 6,685 156,825 SH   SOLE 0 156,825 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 1,338 31,393 SH   DFND 0 31,393 0 0
COCA COLA COMPANY COMMON STOCK 191216100 7,953 126,435 SH   SOLE 0 126,435 0 0
COCA COLA COMPANY COMMON STOCK 191216100 1,028 16,336 SH   DFND 0 16,336 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 618 7,714 SH   SOLE 0 7,714 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 510 6,366 SH   DFND 0 6,366 0 0
COMCAST CORP CLASS A COMMON STOCK 20030N101 2,457 62,631 SH   SOLE 0 62,631 0 0
COMCAST CORP CLASS A COMMON STOCK 20030N101 142 3,631 SH   DFND 0 3,631 0 0
COMMUNITY BK SYS INC COMMON STOCK 203607106 72 1,142 SH   SOLE 0 1,142 0 0
COMMUNITY BK SYS INC COMMON STOCK 203607106 8,417 133,036 SH   DFND 0 133,036 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 1,019 11,343 SH   SOLE 0 11,343 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 288 3,206 SH   DFND 0 3,206 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 301 3,160 SH   SOLE 0 3,160 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 54 565 SH   DFND 0 565 0 0
CONSTELLATION BRANDS INC CLASS A COMMON STOCK 21036P108 303 1,300 SH   SOLE 0 1,300 0 0
CONSTELLATION BRANDS INC CLASS A COMMON STOCK 21036P108 233 1,000 SH   DFND 0 1,000 0 0
CONSTELLATION ENERGY CORP COMMON STOCK 21037T109 8 133 SH   SOLE 0 133 0 0
CONSTELLATION ENERGY CORP COMMON STOCK 21037T109 92 1,615 SH   DFND 0 1,615 0 0
COOPER COMPANIES INC COMMON STOCK 216648402 52 166 SH   SOLE 0 166 0 0
COOPER COMPANIES INC COMMON STOCK 216648402 31 100 SH   DFND 0 100 0 0
CORNING INC COMMON STOCK 219350105 969 30,761 SH   SOLE 0 30,761 0 0
CORNING INC COMMON STOCK 219350105 68 2,150 SH   DFND 0 2,150 0 0
CORTEVA INC COMMON STOCK 22052L104 319 5,897 SH   SOLE 0 5,897 0 0
CORTEVA INC COMMON STOCK 22052L104 53 974 SH   DFND 0 974 0 0
COSTCO COMMON STOCK 22160K105 48 100 SH   SOLE 0 100 0 0
CROCS INC COMMON STOCK 227046109 43 885 SH   SOLE 0 885 0 0
CUMMINS INC COMMON STOCK 231021106 1,758 9,085 SH   SOLE 0 9,085 0 0
CUMMINS INC COMMON STOCK 231021106 443 2,290 SH   DFND 0 2,290 0 0
DANAHER CORP COMMON STOCK 235851102 110 435 SH   SOLE 0 435 0 0
DEERE & COMPANY COMMON STOCK 244199105 30 100 SH   SOLE 0 100 0 0
DEERE & COMPANY COMMON STOCK 244199105 30 100 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 6 200 SH   SOLE 0 200 0 0
WALT DISNEY CO COMMON STOCK 254687106 2,462 26,081 SH   SOLE 0 26,081 0 0
WALT DISNEY CO COMMON STOCK 254687106 139 1,473 SH   DFND 0 1,473 0 0
DOLLAR GENERAL CORP COMMON STOCK 256677105 563 2,295 SH   SOLE 0 2,295 0 0
DOLLAR GENERAL CORP COMMON STOCK 256677105 108 440 SH   DFND 0 440 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109 3,592 45,005 SH   SOLE 0 45,005 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109 1,068 13,377 SH   DFND 0 13,377 0 0
DORCHESTER MINERALS LP COMMON STOCK 25820R105 1,232 51,675 SH   SOLE 0 51,675 0 0
DOW INC COMMON STOCK 260557103 2,579 49,969 SH   SOLE 0 49,969 0 0
DOW INC COMMON STOCK 260557103 133 2,574 SH   DFND 0 2,574 0 0
DRAFTKINGS INC CL A COMMON STOCK 26142V105 2 200 SH   SOLE 0 200 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204 506 4,721 SH   SOLE 0 4,721 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204 51 475 SH   DFND 0 475 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102 2,613 47,008 SH   SOLE 0 47,008 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102 165 2,963 SH   DFND 0 2,963 0 0
EOG RESOURCES INC COMMON STOCK 26875P101 345 3,120 SH   SOLE 0 3,120 0 0
EOG RESOURCES INC COMMON STOCK 26875P101 6 50 SH   DFND 0 50 0 0
EASTMAN CHEMICAL CO COMMON STOCK 277432100 251 2,800 SH   SOLE 0 2,800 0 0
ECOLAB INC COMMON STOCK 278865100 174 1,130 SH   SOLE 0 1,130 0 0
ECOLAB INC COMMON STOCK 278865100 38 250 SH   DFND 0 250 0 0
EDISON INTL COMMON STOCK 281020107 41 650 SH   SOLE 0 650 0 0
EDISON INTL COMMON STOCK 281020107 119 1,887 SH   DFND 0 1,887 0 0
EMERSON ELECTRIC CO COMMON STOCK 291011104 4,334 54,492 SH   SOLE 0 54,492 0 0
EMERSON ELECTRIC CO COMMON STOCK 291011104 262 3,299 SH   DFND 0 3,299 0 0
ENBRIDGE INC FOREIGN EQUITIES 29250N105 44 1,050 SH   SOLE 0 1,050 0 0
ENBRIDGE INC FOREIGN EQUITIES 29250N105 44 1,049 SH   DFND 0 1,049 0 0
ENERGY TRANSFER EQUITY LP COMMON STOCK 29273V100 11 1,090 SH   DFND 0 1,090 0 0
ENTERPRISE PRODS PARTNERS LP COMMON STOCK 293792107 32 1,298 SH   SOLE 0 1,298 0 0
EQUIFAX INC COMMON STOCK 294429105 219 1,200 SH   SOLE 0 1,200 0 0
EQUIFAX INC COMMON STOCK 294429105 475 2,600 SH   DFND 0 2,600 0 0
ESSENTIAL UTILITIES INC COMMON STOCK 29670G102 953 20,789 SH   SOLE 0 20,789 0 0
ESSENTIAL UTILITIES INC COMMON STOCK 29670G102 74 1,613 SH   DFND 0 1,613 0 0
EXELON CORP COMMON STOCK 30161N101 798 17,602 SH   SOLE 0 17,602 0 0
EXELON CORP COMMON STOCK 30161N101 319 7,030 SH   DFND 0 7,030 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102 3,920 45,774 SH   SOLE 0 45,774 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102 1,141 13,328 SH   DFND 0 13,328 0 0
FS KKR CAPITAL CORP COMMON STOCK 302635206 12 621 SH   SOLE 0 621 0 0
META PLATFORMS INC COMMON STOCK 30303M102 32 200 SH   SOLE 0 200 0 0
META PLATFORMS INC COMMON STOCK 30303M102 45 280 SH   DFND 0 280 0 0
FASTENAL CO COMMON STOCK 311900104 25 500 SH   SOLE 0 500 0 0
FASTENAL CO COMMON STOCK 311900104 299 6,000 SH   DFND 0 6,000 0 0
FEDEX CORP COMMON STOCK 31428X106 632 2,790 SH   SOLE 0 2,790 0 0
FEDEX CORP COMMON STOCK 31428X106 25 110 SH   DFND 0 110 0 0
FIDELITY NATL INFORMATION SV COMMON STOCK 31620M106 92 1,000 SH   SOLE 0 1,000 0 0
FIDELITY NATL INFORMATION SV COMMON STOCK 31620M106 92 1,000 SH   DFND 0 1,000 0 0
FIFTH THIRD BANCORP COMMON STOCK 316773100 22 655 SH   DFND 0 655 0 0
FIRST HORIZON NATL CORP COM COMMON STOCK 320517105 11 500 SH   SOLE 0 500 0 0
FIRST SOLAR, INC. COMMON STOCK 336433107 341 5,000 SH   DFND 0 5,000 0 0
FIRSTENERGY CORP COMMON STOCK 337932107 4 100 SH   SOLE 0 100 0 0
FLEXSHARES GLOBAL UPSTREAM NATURAL RESOURCES ETF/INTERNATIONAL EQUITY 33939L407 1,324 33,380 SH   SOLE 0 33,380 0 0
FLEXSHARES GLOBAL UPSTREAM NATURAL RESOURCES ETF/INTERNATIONAL EQUITY 33939L407 52 1,300 SH   DFND 0 1,300 0 0
FORD MOTOR COMPANY COMMON STOCK 345370860 14 1,300 SH   SOLE 0 1,300 0 0
FORD MOTOR COMPANY COMMON STOCK 345370860 9 800 SH   DFND 0 800 0 0
FORTUNE BRANDS HOME & SEC COMMON STOCK 34964C106 36 600 SH   SOLE 0 600 0 0
FOX CORP COMMON STOCK 35137L105 177 5,500 SH   SOLE 0 5,500 0 0
FRANCO NEVADA CORP FOREIGN EQUITIES 351858105 17 132 SH   DFND 0 132 0 0
FREEPORT MCMORAN INC COMMON STOCK 35671D857 91 3,125 SH   SOLE 0 3,125 0 0
FREEPORT MCMORAN INC COMMON STOCK 35671D857 3 100 SH   DFND 0 100 0 0
FRESENIUS MEDICAL CARE AG & CO KGAA FOREIGN EQUITIES 358029106 2 100 SH   DFND 0 100 0 0
GABELLI MULTIMEDIA TR INC CLOSED END MUTUAL FUNDS 36239Q109 2 299 SH   DFND 0 299 0 0
GABELLI EQUITY TR INC CLOSED END MUTUAL FUNDS 362397101 6 1,000 SH   DFND 0 1,000 0 0
GABELLI UTILITY TRUST CLOSED END MUTUAL FUNDS 36240A101 2 330 SH   DFND 0 330 0 0
GAP INC COMMON STOCK 364760108 16 2,000 SH   SOLE 0 2,000 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 1,807 8,166 SH   SOLE 0 8,166 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 53 240 SH   DFND 0 240 0 0
GENERAL ELECTRIC CO COMMON STOCK 369604301 154 2,425 SH   SOLE 0 2,425 0 0
GENERAL ELECTRIC CO COMMON STOCK 369604301 21 337 SH   DFND 0 337 0 0
GENERAL MILLS INC COMMON STOCK 370334104 3,347 44,367 SH   SOLE 0 44,367 0 0
GENERAL MILLS INC COMMON STOCK 370334104 599 7,940 SH   DFND 0 7,940 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 1,071 17,329 SH   SOLE 0 17,329 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 151 2,450 SH   DFND 0 2,450 0 0
GLOBAL X MLP ETF ETF/EQUITY 37954Y343 25 680 SH   SOLE 0 680 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 9 165 SH   SOLE 0 165 0 0
HP INC COMMON STOCK 40434L105 13 400 SH   SOLE 0 400 0 0
HARLEY DAVIDSON INC COMMON STOCK 412822108 6 200 SH   SOLE 0 200 0 0
HERSHEY CO COMMON STOCK 427866108 202 938 SH   SOLE 0 938 0 0
HERSHEY CO COMMON STOCK 427866108 215 1,000 SH   DFND 0 1,000 0 0
HEWLETT PACKARD ENTERPRISE COMMON STOCK 42824C109 5 400 SH   SOLE 0 400 0 0
HOME DEPOT INC COMMON STOCK 437076102 2,728 9,947 SH   SOLE 0 9,947 0 0
HOME DEPOT INC COMMON STOCK 437076102 44 160 SH   DFND 0 160 0 0
HONEYWELL INTL INC COMMON STOCK 438516106 1,861 10,708 SH   SOLE 0 10,708 0 0
HONEYWELL INTL INC COMMON STOCK 438516106 36 209 SH   DFND 0 209 0 0
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109 3,461 18,992 SH   SOLE 0 18,992 0 0
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109 644 3,535 SH   DFND 0 3,535 0 0
INCYTE CORP COMMON STOCK 45337C102 8 100 SH   SOLE 0 100 0 0
INFINITY PHARMACEUTICALS INC COMMON STOCK 45665G303 4 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 46 1,095 SH   SOLE 0 1,095 0 0
INTEL CORP COMMON STOCK 458140100 5,220 139,576 SH   SOLE 0 139,576 0 0
INTEL CORP COMMON STOCK 458140100 824 22,045 SH   DFND 0 22,045 0 0
INTL BUSINESS MACHINES CORP COMMON STOCK 459200101 7,995 56,629 SH   SOLE 0 56,629 0 0
INTL BUSINESS MACHINES CORP COMMON STOCK 459200101 10,790 76,420 SH   DFND 0 76,420 0 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103 287 6,860 SH   SOLE 0 6,860 0 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103 27 656 SH   DFND 0 656 0 0
INVESCO ACTIVELY MANAGD ETF ULTRA SHRT DUR ETF/FIXED INCOME 46090A887 490 9,890 SH   SOLE 0 9,890 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 990 3,534 SH   SOLE 0 3,526 8 0
INVESCO QQQ TRUST ETF/EQUITY 46090E103 89 319 SH   DFND 0 319 0 0
INVESCO MUNICIPAL TRUST CLOSED END MUTUAL FUNDS 46131J103 20 2,000 SH   SOLE 0 2,000 0 0
INVESCO EXCHANGE TRADED FD TR WILDERHIL CLAN ETF/EQUITY 46137V134 15 323 SH   DFND 0 323 0 0
INVESCO S&P SMALLCAP 600 PURE VALUE ETF ETF/EQUITY 46137V167 20 238 SH   SOLE 0 238 0 0
INVESCO FTSE RAFI US1000 ETF ETF/EQUITY 46137V613 13 90 SH   SOLE 0 90 0 0
INVESCO VARIABLE RATE PFD ETF/EQUITY 46138G870 1,470 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 BULLETSHS 26 CRP ETF ETF/FIXED INCOME 46138J791 7 370 SH   SOLE 0 370 0 0
INVESCO BULLETSHS 24 CRP ETF ETF/FIXED INCOME 46138J841 381 18,395 SH   SOLE 0 17,910 0 485
INVESCO BULLETSHS 24 CRP ETF ETF/FIXED INCOME 46138J841 8 390 SH   DFND 0 390 0 0
INVESCO BULLETSHS CORP 2023 ETF/FIXED INCOME 46138J866 6 300 SH   SOLE 0 300 0 0
IQVIA HLDGS INC COMMON STOCK 46266C105 22 100 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 18 980 SH   SOLE 0 980 0 0
ISHARES SILVER TRUST ETF/OTHER 46428Q109 35 1,872 SH   DFND 0 1,872 0 0
ISHARES GOLD TRUST ETF/OTHER 464285204 5,163 150,535 SH   SOLE 0 150,385 0 150
ISHARES MSCI CANADA ETF ETF/INTERNATIONAL EQUITY 464286509 2,884 85,624 SH   SOLE 0 85,484 40 100
ISHARES MSCI CANADA ETF ETF/INTERNATIONAL EQUITY 464286509 52 1,537 SH   DFND 0 1,537 0 0
ISHARES SELECT DIVIDEND ETF ETF/EQUITY 464287168 71 600 SH   SOLE 0 600 0 0
ISHARES TIPS BOND ETF ETF/FIXED INCOME 464287176 69 606 SH   SOLE 0 606 0 0
ISHARES CORE S&P 500 ETF ETF/EQUITY 464287200 39,513 104,217 SH   SOLE 0 104,179 38 0
ISHARES CORE S&P 500 ETF ETF/EQUITY 464287200 141 372 SH   DFND 0 372 0 0
ISHARES MSCI EMERGING MKTS ETF ETF/INTERNATIONAL EQUITY 464287234 148 3,693 SH   SOLE 0 3,693 0 0
ISHARES IBOXX $ INVMT GRADE CORP BOND ETF ETF/FIXED INCOME 464287242 165 1,501 SH   SOLE 0 1,461 40 0
ISHARES S&P 500 GROWTH ETF ETF/EQUITY 464287309 772 12,788 SH   SOLE 0 12,788 0 0
ISHARES GLOBAL HEALTHCARE ETF/EQUITY 464287325 42 520 SH   SOLE 0 520 0 0
ISHARES S&P 500 VALUE ETF ETF/EQUITY 464287408 786 5,721 SH   SOLE 0 5,721 0 0
ISHARES 7-10 YEAR TSY BOND ETF/FIXED INCOME 464287440 897 8,765 SH   SOLE 0 8,765 0 0
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 968 11,687 SH   SOLE 0 11,687 0 0
ISHARES 1-3 YR TREASURY BOND ETF/FIXED INCOME 464287457 29 354 SH   DFND 0 354 0 0
ISHARES MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 464287465 2,028 32,458 SH   SOLE 0 32,458 0 0
ISHARES MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 464287465 268 4,287 SH   DFND 0 4,287 0 0
ISHARES RUSSELL MIDCAP VALUE ETF/EQUITY 464287473 3,890 38,303 SH   SOLE 0 38,303 0 0
ISHARES RUSSELL MIDCAP VALUE ETF/EQUITY 464287473 142 1,400 SH   DFND 0 1,400 0 0
ISHARES RUSSELL MIDCAP ETF ETF/EQUITY 464287499 115 1,774 SH   DFND 0 1,774 0 0
ISHARES CORE S&P MIDCAP ETF ETF/EQUITY 464287507 8,496 37,557 SH   SOLE 0 37,546 0 11
ISHARES CORE S&P MIDCAP ETF ETF/EQUITY 464287507 134 593 SH   DFND 0 593 0 0
ISHARES RUSSELL 1000 VALUE ETF/EQUITY 464287598 3,602 24,849 SH   SOLE 0 24,665 49 135
ISHARES RUSSELL 1000 VALUE ETF/EQUITY 464287598 115 792 SH   DFND 0 792 0 0
ISHARES S&P MIDCAP 400 GROWTH ETF ETF/EQUITY 464287606 381 5,980 SH   SOLE 0 5,980 0 0
ISHARES S&P MIDCAP 400 GROWTH ETF ETF/EQUITY 464287606 38 600 SH   DFND 0 600 0 0
ISHARES RUSSELL 1000 GROWTH ETF ETF/EQUITY 464287614 5,109 23,359 SH   SOLE 0 23,284 0 75
ISHARES RUSSELL 1000 GROWTH ETF ETF/EQUITY 464287614 137 627 SH   DFND 0 627 0 0
ISHARES RUSSELL 2000 VALUE ETF/EQUITY 464287630 28 209 SH   DFND 0 209 0 0
ISHARES RUSSELL 2000 GROWTH ETF ETF/EQUITY 464287648 29 141 SH   DFND 0 141 0 0
ISHARES RUSSELL 2000 ETF ETF/EQUITY 464287655 800 4,721 SH   SOLE 0 4,721 0 0
ISHARES RUSSELL 2000 ETF ETF/EQUITY 464287655 106 628 SH   DFND 0 628 0 0
ISHARES CORE S&P SMALLCAP ETF ETF/EQUITY 464287804 10,271 111,156 SH   SOLE 0 111,119 0 37
ISHARES CORE S&P SMALLCAP ETF ETF/EQUITY 464287804 128 1,381 SH   DFND 0 1,381 0 0
ISHARES GLOBAL CLEAN ENERGY ETF/INTERNATIONAL EQUITY 464288224 329 17,300 SH   SOLE 0 17,300 0 0
ISHARES GLOBAL CLEAN ENERGY ETF/INTERNATIONAL EQUITY 464288224 17 900 SH   DFND 0 900 0 0
ISHARES MSCI ACWI EX US ETF ETF/INTERNATIONAL EQUITY 464288240 1,622 36,051 SH   SOLE 0 36,007 44 0
ISHARES MSCI ACWI EX US ETF ETF/INTERNATIONAL EQUITY 464288240 89 1,983 SH   DFND 0 1,983 0 0
ISHARES MSCI ACWI ETF ETF/EQUITY 464288257 22,532 268,619 SH   SOLE 0 268,374 0 245
ISHARES MSCI ACWI ETF ETF/EQUITY 464288257 25 300 SH   DFND 0 300 0 0
ISHARES IBOXX $ HIGH YIELD CORP BOND ETF ETF/FIXED INCOME 464288513 277 3,763 SH   SOLE 0 3,723 40 0
ISHARES IBOXX $ HIGH YIELD CORP BOND ETF ETF/FIXED INCOME 464288513 80 1,093 SH   DFND 0 1,093 0 0
ISHARES INTERMEDIATE CREDIT BOND ETF ETF/FIXED INCOME 464288638 25 496 SH   DFND 0 496 0 0
ISHARES SHORT TERM CORP BOND ETF/FIXED INCOME 464288646 96 1,900 SH   DFND 0 1,900 0 0
ISHARES US PREFERRED STOCK ETF/OTHER 464288687 2,224 67,626 SH   SOLE 0 67,626 0 0
ISHARES US PREFERRED STOCK ETF/OTHER 464288687 175 5,315 SH   DFND 0 5,315 0 0
ISHARES CORE HIGH DIVIDEND ETF/EQUITY 46429B663 89 890 SH   SOLE 0 890 0 0
ISHARES CORE HIGH DIVIDEND ETF/EQUITY 46429B663 9 90 SH   DFND 0 90 0 0
ISHARES EDGE MSCI MIN VOL EAFE ETF ETF/INTERNATIONAL EQUITY 46429B689 3 50 SH   DFND 0 50 0 0
ISHARES EDGE MSCI MIN VOL USA ETF ETF/EQUITY 46429B697 7,815 111,325 SH   SOLE 0 111,210 0 115
ISHARES CORE MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 46432F842 32,604 554,113 SH   SOLE 0 553,798 0 315
ISHARES CORE MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 46432F842 385 6,551 SH   DFND 0 6,551 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 46434G103 9,891 201,605 SH   SOLE 0 201,470 0 135
ISHARES CORE MSCI EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 46434G103 16 325 SH   DFND 0 325 0 0
ISHARES MSCI EM EX CHINA ETF/INTERNATIONAL EQUITY 46434G764 1,388 29,060 SH   SOLE 0 29,015 0 45
ISHARES MSCI EM EX CHINA ETF/INTERNATIONAL EQUITY 46434G764 3 60 SH   DFND 0 60 0 0
ISHARES ESG MSCI EM ETF ETF/INTERNATIONAL EQUITY 46434G863 328 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 5 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 17 205 SH   SOLE 0 205 0 0
ISHARES TR ESG MSCI USA ETF (ESGU) ETF/EQUITY 46435G425 20 243 SH   DFND 0 243 0 0
ISHARES ESG ADV HIGH YIELD ETF/FIXED INCOME 46435G441 11 260 SH   SOLE 0 260 0 0
ISHARES ESG MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 46435G516 332 5,285 SH   SOLE 0 5,285 0 0
ISHARES BB RATED CRP BND ETF ETF/FIXED INCOME 46435U473 2,878 65,025 SH   SOLE 0 64,920 0 105
ISHARES BB RATED CRP BND ETF ETF/FIXED INCOME 46435U473 4 85 SH   DFND 0 85 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 8,223 73,026 SH   SOLE 0 73,026 0 0
JPMORGAN CHASE & CO COMMON STOCK 46625H100 561 4,983 SH   DFND 0 4,983 0 0
JABIL CIRCUIT INC. COMMON STOCK 466313103 10 200 SH   SOLE 0 200 0 0
J P MORGAN EXCHANGE TRADED FEQUITY PREMIUM ETF/EQUITY 46641Q332 5,342 96,345 SH   SOLE 0 96,345 0 0
JP MORGAN ULTRA SHORT INC ETF/FIXED INCOME 46641Q837 447 8,920 SH   SOLE 0 8,690 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 25 194 SH   DFND 0 194 0 0
JANUS DETROIT STREET TR HENDERSON AAA CLO ETF/FIXED INCOME 47103U845 3,793 77,340 SH   SOLE 0 77,065 0 275
JANUS DETROIT STREET TR HENDERSON AAA CLO ETF/FIXED INCOME 47103U845 13 270 SH   DFND 0 270 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 9,901 55,780 SH   SOLE 0 55,780 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 2,654 14,950 SH   DFND 0 14,950 0 0
JOUNCE THERAPEUTICS INC COMMON STOCK 481116101 3 1,000 SH   SOLE 0 1,000 0 0
KEYCORP COMMON STOCK 493267108 14 800 SH   SOLE 0 800 0 0
KEYCORP COMMON STOCK 493267108 9 500 SH   DFND 0 500 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 1,238 9,163 SH   SOLE 0 9,163 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 668 4,945 SH   DFND 0 4,945 0 0
KINDER MORGAN INC COMMON STOCK 49456B101 590 35,210 SH   SOLE 0 35,210 0 0
KINDER MORGAN INC COMMON STOCK 49456B101 59 3,530 SH   DFND 0 3,530 0 0
KRAFT HEINZ COMPANY COMMON STOCK 500754106 89 2,333 SH   DFND 0 2,333 0 0
KYNDRYL HOLDINGS INC COMMON STOCK 50155Q100 5 519 SH   SOLE 0 519 0 0
KYNDRYL HOLDINGS INC COMMON STOCK 50155Q100 98 10,000 SH   DFND 0 10,000 0 0
L3HARRIS TECHNOLOGIES INC COMMON STOCK 502431109 7 30 SH   DFND 0 30 0 0
LABORATORY CORP AMER HLDGS COMMON STOCK 50540R409 62 266 SH   SOLE 0 266 0 0
LAM RESEARCH CORP COMMON STOCK 512807108 243 570 SH   SOLE 0 570 0 0
LAM RESEARCH CORP COMMON STOCK 512807108 30 70 SH   DFND 0 70 0 0
ESTEE LAUDER COMP INC CL A COMMON STOCK 518439104 25 100 SH   SOLE 0 100 0 0
LIBERTY ALL STAR EQUITY FD CLOSED END MUTUAL FUNDS 530158104 15 2,403 SH   SOLE 0 2,403 0 0
LIBERTY ALL STAR EQUITY FD CLOSED END MUTUAL FUNDS 530158104 15 2,402 SH   DFND 0 2,402 0 0
ELI LILLY AND COMPANY COMMON STOCK 532457108 1,187 3,661 SH   SOLE 0 3,661 0 0
ELI LILLY AND COMPANY COMMON STOCK 532457108 259 800 SH   DFND 0 800 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 3,181 7,398 SH   SOLE 0 7,398 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 463 1,078 SH   DFND 0 1,078 0 0
LOEWS CORP COMMON STOCK 540424108 77 1,300 SH   DFND 0 1,300 0 0
LOWES COMPANIES INC COMMON STOCK 548661107 3,810 21,811 SH   SOLE 0 21,811 0 0
LOWES COMPANIES INC COMMON STOCK 548661107 263 1,505 SH   DFND 0 1,505 0 0
LUMEN TECHNOLOGIES INC COMMON STOCK 550241103 15 1,400 SH   SOLE 0 1,400 0 0
M & T BANK CORP COMMON STOCK 55261F104 367 2,301 SH   SOLE 0 2,301 0 0
M & T BANK CORP COMMON STOCK 55261F104 1,391 8,725 SH   DFND 0 8,725 0 0
MARATHON PETROLEUM CORP COMMON STOCK 56585A102 28 344 SH   DFND 0 344 0 0
MARKEL CORPORATION COMMON STOCK 570535104 43 33 SH   SOLE 0 33 0 0
MASTERCARD INC CLASS A COMMON STOCK 57636Q104 562 1,780 SH   SOLE 0 1,780 0 0
MASTERCARD INC CLASS A COMMON STOCK 57636Q104 17 55 SH   DFND 0 55 0 0
MCDONALDS CORP COMMON STOCK 580135101 3,973 16,094 SH   SOLE 0 16,094 0 0
MCDONALDS CORP COMMON STOCK 580135101 231 936 SH   DFND 0 936 0 0
MCKESSON CORP COMMON STOCK 58155Q103 60 183 SH   SOLE 0 183 0 0
MCKESSON CORP COMMON STOCK 58155Q103 979 3,000 SH   DFND 0 3,000 0 0
MEDICAL PPTYS TRUST INC COMMON STOCK 58463J304 3 200 SH   DFND 0 200 0 0
MERCK & COMPANY INC COMMON STOCK 58933Y105 9,379 102,875 SH   SOLE 0 102,875 0 0
MERCK & COMPANY INC COMMON STOCK 58933Y105 1,561 17,119 SH   DFND 0 17,119 0 0
METLIFE INC COMMON STOCK 59156R108 116 1,840 SH   SOLE 0 1,840 0 0
METLIFE INC COMMON STOCK 59156R108 10 160 SH   DFND 0 160 0 0
METTLER-TOLEDO INTL COMMON STOCK 592688105 322 280 SH   SOLE 0 280 0 0
METTLER-TOLEDO INTL COMMON STOCK 592688105 460 400 SH   DFND 0 400 0 0
MICROSOFT CORP COMMON STOCK 594918104 14,932 58,142 SH   SOLE 0 58,142 0 0
MICROSOFT CORP COMMON STOCK 594918104 2,595 10,105 SH   DFND 0 10,105 0 0
MICRON TECHNOLOGY COMMON STOCK 595112103 14 250 SH   SOLE 0 250 0 0
MOLINA HEALTHCARE INC COMMON STOCK 60855R100 14 50 SH   SOLE 0 50 0 0
MONDELEZ INTL INC CL A COMMON STOCK 609207105 320 5,158 SH   SOLE 0 5,158 0 0
MONDELEZ INTL INC CL A COMMON STOCK 609207105 278 4,475 SH   DFND 0 4,475 0 0
MORGAN STANLEY COMMON STOCK 617446448 1,100 14,456 SH   SOLE 0 14,456 0 0
MURPHY OIL CORPORATION COMMON STOCK 626717102 10 328 SH   SOLE 0 328 0 0
MURPHY USA INC COMMON STOCK 626755102 19 82 SH   SOLE 0 82 0 0
NBT BANCORP INC COMMON STOCK 628778102 465 12,366 SH   SOLE 0 12,366 0 0
NBT BANCORP INC COMMON STOCK 628778102 355 9,453 SH   DFND 0 9,453 0 0
NATIONAL FUEL GAS COMPANY COMMON STOCK 636180101 46 700 SH   SOLE 0 700 0 0
NATIONAL FUEL GAS COMPANY COMMON STOCK 636180101 203 3,076 SH   DFND 0 3,076 0 0
NATIONAL GRID PLC ADR FOREIGN EQUITIES 636274409 86 1,323 SH   DFND 0 1,323 0 0
NETFLIX INC COMMON STOCK 64110L106 61 350 SH   SOLE 0 350 0 0
NEW JERSEY RESOURCES COMMON STOCK 646025106 20 450 SH   SOLE 0 450 0 0
NEW YORK CMNTY BANCORP INC COMMON STOCK 649445103 9 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
NEWS CORP CLASS A COMMON STOCK 65249B109 42 2,700 SH   SOLE 0 2,700 0 0
NEXSTAR MEDIA GROUP CLASS A COMMON STOCK 65336K103 24 150 SH   SOLE 0 150 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 2,884 37,234 SH   SOLE 0 37,234 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 1,705 22,015 SH   DFND 0 22,015 0 0
NIKE INC CLASS B COMMON STOCK 654106103 2,505 24,513 SH   SOLE 0 24,513 0 0
NIKE INC CLASS B COMMON STOCK 654106103 161 1,576 SH   DFND 0 1,576 0 0
NIKOLA CORP COMMON STOCK 654110105 1 200 SH   SOLE 0 200 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 1,791 7,878 SH   SOLE 0 7,878 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 250 1,100 SH   DFND 0 1,100 0 0
NORTHROP GRUMMAN CORP COMMON STOCK 666807102 14 30 SH   SOLE 0 30 0 0
NORTHROP GRUMMAN CORP COMMON STOCK 666807102 96 200 SH   DFND 0 200 0 0
NORWOOD FINANCIAL CORP COMMON STOCK 669549107 194 7,992 SH   SOLE 0 7,992 0 0
NOVARTIS AG ADR FOREIGN EQUITIES 66987V109 150 1,778 SH   SOLE 0 1,778 0 0
NOVARTIS AG ADR FOREIGN EQUITIES 66987V109 275 3,255 SH   DFND 0 3,255 0 0
NUCOR CORP COMMON STOCK 670346105 3,936 37,697 SH   SOLE 0 37,697 0 0
NUCOR CORP COMMON STOCK 670346105 779 7,458 SH   DFND 0 7,458 0 0
NVIDIA CORPORATION COMMON STOCK 67066G104 624 4,118 SH   SOLE 0 4,118 0 0
NVIDIA CORPORATION COMMON STOCK 67066G104 273 1,800 SH   DFND 0 1,800 0 0
NUVEEN AMT FREE MUNI CR INC CLOSED END MUTUAL FUNDS 67071L106 39 3,000 SH   SOLE 0 3,000 0 0
OKTA INC CL A COMMON STOCK 679295105 18 200 SH   DFND 0 200 0 0
OMNICOM GROUP INC COMMON STOCK 681919106 2,547 40,049 SH   SOLE 0 40,049 0 0
OMNICOM GROUP INC COMMON STOCK 681919106 133 2,085 SH   DFND 0 2,085 0 0
ONEOK INC COMMON STOCK 682680103 22 394 SH   SOLE 0 394 0 0
ORACLE CORP COMMON STOCK 68389X105 189 2,700 SH   SOLE 0 2,700 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 35 1,038 SH   DFND 0 1,038 0 0
OTIS WORLDWIDE CORP COMMON STOCK 68902V107 19 275 SH   SOLE 0 275 0 0
OTIS WORLDWIDE CORP COMMON STOCK 68902V107 51 725 SH   DFND 0 725 0 0
PNC FINL SVCS GROUP INC COMMON STOCK 693475105 1,767 11,202 SH   SOLE 0 11,202 0 0
PNC FINL SVCS GROUP INC COMMON STOCK 693475105 9 55 SH   DFND 0 55 0 0
PPG INDUSTRIES INC COMMON STOCK 693506107 243 2,123 SH   SOLE 0 2,123 0 0
PPG INDUSTRIES INC COMMON STOCK 693506107 23 200 SH   DFND 0 200 0 0
PPL CORP COMMON STOCK 69351T106 129 4,750 SH   SOLE 0 4,750 0 0
PPL CORP COMMON STOCK 69351T106 19 700 SH   DFND 0 700 0 0
PACER BENCHMARK DATA&INFRAS RE SECTOR ETF ETF/EQUITY 69374H741 155 4,505 SH   SOLE 0 4,435 0 70
PACER BENCHMARK DATA&INFRAS RE SECTOR ETF ETF/EQUITY 69374H741 3 100 SH   DFND 0 100 0 0
PALO ALTO NETWORKS INC COMMON STOCK 697435105 49 100 SH   SOLE 0 100 0 0
PAYCOM SOFTWARE INC COMMON STOCK 70432V102 19 67 SH   DFND 0 67 0 0
PAYCHEX INC COMMON STOCK 704326107 57 500 SH   SOLE 0 500 0 0
PAYCHEX INC COMMON STOCK 704326107 77 675 SH   DFND 0 675 0 0
PEOPLES FINL SVCS CORP COMMON STOCK 711040105 68 1,218 SH   SOLE 0 1,218 0 0
PEPSICO INC COMMON STOCK 713448108 8,504 51,026 SH   SOLE 0 51,026 0 0
PEPSICO INC COMMON STOCK 713448108 1,872 11,231 SH   DFND 0 11,231 0 0
PFIZER INC COMMON STOCK 717081103 6,679 127,399 SH   SOLE 0 127,399 0 0
PFIZER INC COMMON STOCK 717081103 1,532 29,219 SH   DFND 0 29,219 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109 355 3,600 SH   SOLE 0 3,600 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109 68 689 SH   DFND 0 689 0 0
PHILLIPS 66 COMMON STOCK 718546104 1,149 14,020 SH   SOLE 0 14,020 0 0
PHILLIPS 66 COMMON STOCK 718546104 131 1,600 SH   DFND 0 1,600 0 0
PIMCO ENHANCED SHORT MAT ESG ETF/FIXED INCOME 72201R643 98 1,000 SH   SOLE 0 1,000 0 0
PIMCO ENHANCED LOW DURATION ETF/FIXED INCOME 72201R718 1,056 11,000 SH   SOLE 0 11,000 0 0
PIMCO ENHANCED SHORT MATURE ACTIVE ETF ETF/FIXED INCOME 72201R833 99 1,000 SH   SOLE 0 1,000 0 0
PLAINS ALL AMERICAN PIPELINE COMMON STOCK 726503105 29 3,000 SH   DFND 0 3,000 0 0
PRINCIPAL SPECTRUM PFD SEC ETF/EQUITY 74255Y888 2,277 131,990 SH   SOLE 0 131,990 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 7,786 54,151 SH   SOLE 0 54,151 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 950 6,607 SH   DFND 0 6,607 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102 6 58 SH   SOLE 0 58 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102 21 215 SH   DFND 0 215 0 0
PUBLIC SVC ENTERPRISE GROUP COMMON STOCK 744573106 5,095 80,527 SH   SOLE 0 80,527 0 0
PUBLIC SVC ENTERPRISE GROUP COMMON STOCK 744573106 1,203 19,017 SH   DFND 0 19,017 0 0
PULTE GROUP INC COMMON STOCK 745867101 8 210 SH   DFND 0 210 0 0
QUALCOMM INC COMMON STOCK 747525103 2,641 20,677 SH   SOLE 0 20,677 0 0
QUALCOMM INC COMMON STOCK 747525103 334 2,615 SH   DFND 0 2,615 0 0
QUEST DIAGNOSTICS INC COMMON STOCK 74834L100 264 1,984 SH   SOLE 0 1,984 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 2,385 24,820 SH   SOLE 0 24,820 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 614 6,392 SH   DFND 0 6,392 0 0
REALTY INCOME CORP COMMON STOCK 756109104 23 334 SH   SOLE 0 334 0 0
REGULUS THERAPEUTICS INC COM COMMON STOCK 75915K309 1 690 SH   SOLE 0 690 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 31 155 SH   DFND 0 155 0 0
ROPER INDS INC COMMON STOCK 776696106 158 400 SH   SOLE 0 400 0 0
ROPER INDS INC COMMON STOCK 776696106 92 233 SH   DFND 0 233 0 0
ROYAL BANK OF CANADA FOREIGN EQUITIES 780087102 861 8,890 SH   SOLE 0 8,890 0 0
ROYAL BANK OF CANADA FOREIGN EQUITIES 780087102 126 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 231 686 SH   DFND 0 686 0 0
SPDR S&P 500 ETF ETF/EQUITY 78462F103 6,433 17,053 SH   SOLE 0 17,053 0 0
SPDR S&P 500 ETF ETF/EQUITY 78462F103 362 960 SH   DFND 0 960 0 0
SPDR GOLD SHARES ETF/OTHER 78463V107 353 2,096 SH   SOLE 0 2,096 0 0
SPDR GOLD SHARES ETF/OTHER 78463V107 754 4,475 SH   DFND 0 4,475 0 0
SPDR INTERM CORP BOND ETF ETF/FIXED INCOME 78464A375 769 23,565 SH   SOLE 0 23,460 0 105
SPDR INTERM CORP BOND ETF ETF/FIXED INCOME 78464A375 12 375 SH   DFND 0 375 0 0
SPDR PORTFOLIO S&P500 GROWTH ETF/EQUITY 78464A409 471 9,020 SH   SOLE 0 9,020 0 0
SPDR PORTFOLIO S&P 500 VALUE ETF/EQUITY 78464A508 545 14,815 SH   SOLE 0 14,815 0 0
SPDR S&P DIVIDEND ETF ETF/EQUITY 78464A763 28 238 SH   SOLE 0 238 0 0
SPDR PORTFOLIO S&P 500 ETF/EQUITY 78464A854 828 18,685 SH   SOLE 0 18,370 0 315
SPDR PORTFOLIO S&P 500 ETF/EQUITY 78464A854 4 85 SH   DFND 0 85 0 0
SPDR BLACKSTONE/GSO SENIOR LOAN ETF ETF/FIXED INCOME 78467V608 2,482 59,619 SH   SOLE 0 59,501 0 118
SPDR BLACKSTONE/GSO SENIOR LOAN ETF ETF/FIXED INCOME 78467V608 9 208 SH   DFND 0 208 0 0
SPDR DOUBLELINE TOTAL RETURNTACT ETF ETF/FIXED INCOME 78467V848 4,756 112,750 SH   SOLE 0 112,750 0 0
SPDR DOUBLELINE TOTAL RETURNTACT ETF ETF/FIXED INCOME 78467V848 12 291 SH   DFND 0 291 0 0
SPDR S&P MIDCAP 400 ETF ETF/EQUITY 78467Y107 5,570 13,470 SH   SOLE 0 13,454 16 0
SPDR S&P MIDCAP 400 ETF ETF/EQUITY 78467Y107 110 265 SH   DFND 0 265 0 0
SPDR PORTFOLIO SMALLCAP ETF ETF/EQUITY 78468R853 13 365 SH   SOLE 0 365 0 0
SALESFORCE.COM INC COMMON STOCK 79466L302 52 314 SH   SOLE 0 314 0 0
SCHLUMBERGER LTD FOREIGN EQUITIES 806857108 81 2,268 SH   SOLE 0 2,268 0 0
SCHLUMBERGER LTD FOREIGN EQUITIES 806857108 33 916 SH   DFND 0 916 0 0
SCHWAB US SMALL CAP ETF ETF/EQUITY 808524607 3,096 79,415 SH   SOLE 0 79,265 150 0
SCHWAB US SMALL CAP ETF ETF/EQUITY 808524607 168 4,320 SH   DFND 0 4,320 0 0
MATERIALS SELECT SECTOR SPDR ETF/EQUITY 81369Y100 198 2,690 SH   SOLE 0 2,690 0 0
MATERIALS SELECT SECTOR SPDR ETF/EQUITY 81369Y100 735 9,985 SH   DFND 0 9,985 0 0
HEALTH CARE SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y209 348 2,717 SH   SOLE 0 2,717 0 0
CONSUMER STAPLES SECTOR SPDR ETF/EQUITY 81369Y308 225 3,122 SH   SOLE 0 3,122 0 0
CONSUMER STAPLES SECTOR SPDR ETF/EQUITY 81369Y308 19 270 SH   DFND 0 270 0 0
CONSUMER DISCRET SEL SECT SPDR ETF ETF/EQUITY 81369Y407 259 1,887 SH   SOLE 0 1,887 0 0
CONSUMER DISCRET SEL SECT SPDR ETF ETF/EQUITY 81369Y407 20 147 SH   DFND 0 147 0 0
ENERGY SELECT SECTOR SPDR ETF/EQUITY 81369Y506 2,183 30,527 SH   SOLE 0 30,527 0 0
ENERGY SELECT SECTOR SPDR ETF/EQUITY 81369Y506 199 2,785 SH   DFND 0 2,785 0 0
SPDR FINANCIAL SELECT SECTOR ETF/EQUITY 81369Y605 100 3,166 SH   SOLE 0 3,166 0 0
SPDR INDUSTRIALS (XLI) ETF/EQUITY 81369Y704 91 1,040 SH   SOLE 0 1,040 0 0
TECHNOLOGY SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y803 545 4,290 SH   SOLE 0 4,290 0 0
TECHNOLOGY SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y803 34 265 SH   DFND 0 265 0 0
SELECT SECTOR SPDR TR COMMUNICATION ETF/EQUITY 81369Y852 127 2,345 SH   SOLE 0 2,345 0 0
UTILITIES SELECT SECTOR SPDR ETF/EQUITY 81369Y886 247 3,520 SH   SOLE 0 3,520 0 0
UTILITIES SELECT SECTOR SPDR ETF/EQUITY 81369Y886 7 100 SH   DFND 0 100 0 0
SEMPRA ENERGY COMMON STOCK 816851109 1,626 10,819 SH   SOLE 0 10,819 0 0
SEMPRA ENERGY COMMON STOCK 816851109 271 1,805 SH   DFND 0 1,805 0 0
SIERRA WIRELESS INC FOREIGN EQUITIES 826516106 8 333 SH   DFND 0 333 0 0
SOUTHERN COMPANY COMMON STOCK 842587107 154 2,159 SH   SOLE 0 2,159 0 0
SOUTHERN COMPANY COMMON STOCK 842587107 135 1,890 SH   DFND 0 1,890 0 0
SPROTT PHYSICAL GOLD TRUST ETF/OTHER 85207H104 381 26,836 SH   SOLE 0 26,836 0 0
SPROTT PHYSICAL GOLD TRUST ETF/OTHER 85207H104 1 48 SH   DFND 0 48 0 0
STANLEY BLACK & DECKER INC COMMON STOCK 854502101 210 2,000 SH   DFND 0 2,000 0 0
STARBUCKS CORP COMMON STOCK 855244109 681 8,916 SH   SOLE 0 8,916 0 0
STARBUCKS CORP COMMON STOCK 855244109 30 395 SH   DFND 0 395 0 0
STATE STREET CORP COMMON STOCK 857477103 50 815 SH   SOLE 0 815 0 0
STATE STREET CORP COMMON STOCK 857477103 49 800 SH   DFND 0 800 0 0
STERICYCLE INC COMMON STOCK 858912108 44 1,000 SH   SOLE 0 1,000 0 0
STERICYCLE INC COMMON STOCK 858912108 35 800 SH   DFND 0 800 0 0
STRYKER CORP COMMON STOCK 863667101 1,299 6,530 SH   SOLE 0 6,530 0 0
STRYKER CORP COMMON STOCK 863667101 26 129 SH   DFND 0 129 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 35 221 SH   SOLE 0 221 0 0
SUNCOKE ENERGY INC COMMON STOCK 86722A103 1 218 SH   DFND 0 218 0 0
SYSCO CORP COMMON STOCK 871829107 692 8,165 SH   SOLE 0 8,165 0 0
SYSCO CORP COMMON STOCK 871829107 589 6,950 SH   DFND 0 6,950 0 0
TJX COMPANIES COMMON STOCK 872540109 224 4,005 SH   SOLE 0 4,005 0 0
TJX COMPANIES COMMON STOCK 872540109 6 103 SH   DFND 0 103 0 0
TARGET CORP COMMON STOCK 87612E106 1,604 11,359 SH   SOLE 0 11,359 0 0
TARGET CORP COMMON STOCK 87612E106 81 577 SH   DFND 0 577 0 0
TELEDYNE TECHNOLOGIES INC COMMON STOCK 879360105 70 187 SH   DFND 0 187 0 0
TENARIS SA ADR FOREIGN EQUITIES 88031M109 26 1,000 SH   SOLE 0 1,000 0 0
TESLA MOTORS INC COMMON STOCK 88160R101 67 100 SH   SOLE 0 100 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 4,342 28,260 SH   SOLE 0 28,260 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 459 2,985 SH   DFND 0 2,985 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 1,196 2,202 SH   SOLE 0 2,202 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 350 645 SH   DFND 0 645 0 0
3M COMPANY COMMON STOCK 88579Y101 3,381 26,127 SH   SOLE 0 26,127 0 0
3M COMPANY COMMON STOCK 88579Y101 380 2,940 SH   DFND 0 2,940 0 0
TOMPKINS FINANCIAL CORP COMMON STOCK 890110109 155 2,147 SH   SOLE 0 2,147 0 0
TOMPKINS FINANCIAL CORP COMMON STOCK 890110109 310 4,300 SH   DFND 0 4,300 0 0
TORONTO DOMINION BANK FOREIGN EQUITIES 891160509 713 10,874 SH   SOLE 0 10,874 0 0
TORONTO DOMINION BANK FOREIGN EQUITIES 891160509 41 625 SH   DFND 0 625 0 0
TOYOTA MOTOR CORP FOREIGN EQUITIES 892331307 31 200 SH   SOLE 0 200 0 0
TOYOTA MOTOR CORP FOREIGN EQUITIES 892331307 93 600 SH   DFND 0 600 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109 1,404 8,300 SH   SOLE 0 8,300 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109 47 275 SH   DFND 0 275 0 0
TRIMBLE NAVIGATION COMMON STOCK 896239100 76 1,300 SH   SOLE 0 1,300 0 0
TRUIST FINANCIAL CORP COMMON STOCK 89832Q109 2,365 49,855 SH   SOLE 0 49,855 0 0
TRUIST FINANCIAL CORP COMMON STOCK 89832Q109 159 3,350 SH   DFND 0 3,350 0 0
TWITTER INC COMMON STOCK 90184L102 1 22 SH   DFND 0 22 0 0
II-VI INC COMMON STOCK 902104108 10 200 SH   DFND 0 200 0 0
US BANCORP COMMON STOCK 902973304 2,311 50,214 SH   SOLE 0 50,214 0 0
US BANCORP COMMON STOCK 902973304 467 10,145 SH   DFND 0 10,145 0 0
UNION PACIFIC CORP COMMON STOCK 907818108 1,020 4,783 SH   SOLE 0 4,783 0 0
UNION PACIFIC CORP COMMON STOCK 907818108 647 3,035 SH   DFND 0 3,035 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 4,307 23,596 SH   SOLE 0 23,596 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 284 1,558 SH   DFND 0 1,558 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 3,522 6,857 SH   SOLE 0 6,857 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 681 1,325 SH   DFND 0 1,325 0 0
VF CORP COMMON STOCK 918204108 432 9,775 SH   SOLE 0 9,775 0 0
VF CORP COMMON STOCK 918204108 22 487 SH   DFND 0 487 0 0
VBI VACCINES INC COMMON STOCK 91822J103 7 8,500 SH   SOLE 0 8,500 0 0
VALLEY NATL BANCORP COMMON STOCK 919794107 160 15,356 SH   SOLE 0 15,356 0 0
VANECK VECTORS GOLD MINERS ETF ETF/INTERNATIONAL EQUITY 92189F106 547 20,000 SH   DFND 0 20,000 0 0
VANECK VECTORS ETF TR GREEN BD ETF ETF/FIXED INCOME 92189F171 4 190 SH   SOLE 0 190 0 0
VANECK VECTORS CHINAAMC CHINA BOND ETF ETF/INTERNATIONAL FIXED INCOME 92189F379 14 600 SH   DFND 0 600 0 0
VANGUARD DIVIDEND APPRECIATION ETF ETF/EQUITY 921908844 1,093 7,620 SH   SOLE 0 7,620 0 0
VANGUARD TOTAL INTL STOCK ETF ETF/INTERNATIONAL EQUITY 921909768 195 3,772 SH   SOLE 0 3,772 0 0
VANGUARD MEGA CAP GROWTH ETF/EQUITY 921910816 15 85 SH   SOLE 0 85 0 0
VANGUARD SHORT TERM BOND ETF ETF/FIXED INCOME 921937827 431 5,615 SH   SOLE 0 5,615 0 0
VANGUARD SHORT TERM BOND ETF ETF/FIXED INCOME 921937827 136 1,772 SH   DFND 0 1,772 0 0
VANGUARD TOTAL BOND MRKT ETF ETF/FIXED INCOME 921937835 279 3,705 SH   SOLE 0 3,580 125 0
VANGUARD TOTAL BOND MRKT ETF ETF/FIXED INCOME 921937835 43 565 SH   DFND 0 565 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF/INTERNATIONAL EQUITY 921943858 181 4,431 SH   SOLE 0 4,431 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF/INTERNATIONAL EQUITY 921943858 98 2,409 SH   DFND 0 2,409 0 0
VANGUARD HIGH DIVIDEND YIELD ETF/EQUITY 921946406 48 475 SH   SOLE 0 475 0 0
VANGUARD HIGH DIVIDEND YIELD ETF/EQUITY 921946406 27 262 SH   DFND 0 262 0 0
VANGUARD ULTRA SHORT TERM ETF/FIXED INCOME 92203C303 98 2,000 SH   SOLE 0 2,000 0 0
VANGUARD FINANCIALS ETF ETF/EQUITY 92204A405 459 5,940 SH   SOLE 0 5,940 0 0
VANGUARD FINANCIALS ETF ETF/EQUITY 92204A405 205 2,650 SH   DFND 0 2,650 0 0
VANGUARD INDUSTRIALS ETF ETF/EQUITY 92204A603 8 50 SH   SOLE 0 50 0 0
VANGUARD INDUSTRIALS ETF ETF/EQUITY 92204A603 719 4,400 SH   DFND 0 4,400 0 0
VANGUARD INFO TECH ETF ETF/EQUITY 92204A702 1,051 3,220 SH   SOLE 0 3,220 0 0
VANGUARD INFO TECH ETF ETF/EQUITY 92204A702 120 366 SH   DFND 0 366 0 0
VANGUARD UTILITIES ETF ETF/EQUITY 92204A876 106 695 SH   SOLE 0 695 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 922042858 1,756 42,155 SH   SOLE 0 42,155 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 922042858 277 6,649 SH   DFND 0 6,649 0 0
VANGUARD SHORT TERM CORP BOND ETF ETF/FIXED INCOME 92206C409 1,405 18,421 SH   SOLE 0 18,356 65 0
VANGUARD SHORT TERM CORP BOND ETF ETF/FIXED INCOME 92206C409 536 7,026 SH   DFND 0 7,026 0 0
VANGUARD INTERM-TERM GOVT BDETF ETF/FIXED INCOME 92206C706 24 400 SH   SOLE 0 80 0 320
VANGUARD LONG TERM TREASURY ETF/FIXED INCOME 92206C847 7 105 SH   SOLE 0 105 0 0
VANGUARD INTERM TERM CORP BDETF ETF/FIXED INCOME 92206C870 2,401 30,000 SH   SOLE 0 30,000 0 0
VANGUARD S&P 500 ETF ETF/EQUITY 922908363 739 2,130 SH   SOLE 0 2,130 0 0
VANGUARD MIDCAP VALUE ETF ETF/EQUITY 922908512 29 225 SH   SOLE 0 225 0 0
VANGUARD MIDCAP VALUE ETF ETF/EQUITY 922908512 46 354 SH   DFND 0 354 0 0
VANGUARD MIDCAP GROWTH ETF ETF/EQUITY 922908538 54 309 SH   DFND 0 309 0 0
VANGUARD REIT ETF ETF/EQUITY 922908553 1,005 11,030 SH   SOLE 0 11,030 0 0
VANGUARD REIT ETF ETF/EQUITY 922908553 37 403 SH   DFND 0 403 0 0
VANGUARD SMALLCAP GROWTH ETF ETF/EQUITY 922908595 10 50 SH   SOLE 0 50 0 0
VANGUARD SMALLCAP VALUE ETF ETF/EQUITY 922908611 210 1,400 SH   SOLE 0 1,400 0 0
VANGUARD MIDCAP ETF ETF/EQUITY 922908629 108 548 SH   SOLE 0 548 0 0
VANGUARD EXTENDED MKT IDX ETF/EQUITY 922908652 14 105 SH   SOLE 0 105 0 0
VANGUARD GROWTH ETF ETF/EQUITY 922908736 166 745 SH   SOLE 0 745 0 0
VANGUARD GROWTH ETF ETF/EQUITY 922908736 49 220 SH   DFND 0 220 0 0
VANGUARD SMALLCAP ETF ETF/EQUITY 922908751 183 1,038 SH   SOLE 0 1,038 0 0
VANGUARD TOTAL STOCK MARKET ETF ETF/EQUITY 922908769 29 152 SH   SOLE 0 152 0 0
VANGUARD TOTAL STOCK MARKET ETF ETF/EQUITY 922908769 12,064 63,961 SH   DFND 0 63,961 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 9,237 182,017 SH   SOLE 0 182,017 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 2,019 39,776 SH   DFND 0 39,776 0 0
VIATRIS INC COMMON STOCK 92556V106 2 210 SH   SOLE 0 210 0 0
VIATRIS INC COMMON STOCK 92556V106 20 1,923 SH   DFND 0 1,923 0 0
VISA INC CLASS A COMMON STOCK 92826C839 1,724 8,756 SH   SOLE 0 8,756 0 0
VISA INC CLASS A COMMON STOCK 92826C839 69 349 SH   DFND 0 349 0 0
WABTEC CORP COMMON STOCK 929740108 2 25 SH   SOLE 0 25 0 0
WABTEC CORP COMMON STOCK 929740108 1 10 SH   DFND 0 10 0 0
WAL MART STORES INC COMMON STOCK 931142103 4,521 37,184 SH   SOLE 0 37,184 0 0
WAL MART STORES INC COMMON STOCK 931142103 1,130 9,292 SH   DFND 0 9,292 0 0
WALGREENS BOOTS ALLIANCE INC COMMON STOCK 931427108 3 90 SH   SOLE 0 90 0 0
WALGREENS BOOTS ALLIANCE INC COMMON STOCK 931427108 19 500 SH   DFND 0 500 0 0
WARNER BROS DISCOVERY INC COMMON STOCK 934423104 313 23,320 SH   SOLE 0 23,320 0 0
WARNER BROS DISCOVERY INC COMMON STOCK 934423104 77 5,709 SH   DFND 0 5,709 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109 419 2,737 SH   SOLE 0 2,737 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109 109 710 SH   DFND 0 710 0 0
WEBSTER FINANCIAL CORP COMMON STOCK 947890109 10 231 SH   SOLE 0 231 0 0
WEBSTER FINANCIAL CORP COMMON STOCK 947890109 20 463 SH   DFND 0 463 0 0
WELLS FARGO & CO COMMON STOCK 949746101 20 500 SH   SOLE 0 500 0 0
WELLTOWER INC COMMON STOCK 95040Q104 16 200 SH   DFND 0 200 0 0
WEYERHAEUSER CO COMMON STOCK 962166104 53 1,600 SH   SOLE 0 1,600 0 0
WILLIAMS COMPANIES INC COMMON STOCK 969457100 312 10,000 SH   DFND 0 10,000 0 0
WISDOMTREE US HIGH DIVIDEND ETF ETF/EQUITY 97717W208 1,483 18,025 SH   SOLE 0 18,025 0 0
WISDOMTREE US HIGH DIVIDEND ETF ETF/EQUITY 97717W208 24 290 SH   DFND 0 290 0 0
WISDOMTREE TRUST MIDCAP DIVI FD ETF/EQUITY 97717W505 38 963 SH   SOLE 0 963 0 0
WOODSIDE ENERGY GROUP LTD FOREIGN EQUITIES 980228308 1 54 SH   DFND 0 54 0 0
SPDR GOLD MINISHARES ETF/OTHER 98149E303 67 1,854 SH   SOLE 0 1,854 0 0
SPDR GOLD MINISHARES ETF/OTHER 98149E303 10 275 SH   DFND 0 275 0 0
XYLEM INC COMMON STOCK 98419M100 3 34 SH   SOLE 0 34 0 0
ZIMVIE INC COMMON STOCK 98888T107 4 260 SH   DFND 0 260 0 0
ZEBRA TECHNOLOGIES CORP CL A COMMON STOCK 989207105 20 67 SH   DFND 0 67 0 0
ZIMMER HOLDINGS INC COMMON STOCK 98956P102 92 874 SH   SOLE 0 874 0 0
ZIMMER HOLDINGS INC COMMON STOCK 98956P102 273 2,600 SH   DFND 0 2,600 0 0