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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ALLEGION PLC FOREIGN EQUITIES G0176J109   39,726 331 SH   SOLE 0 331 0 0
AMCOR PLC FOREIGN EQUITIES G0250X107   1,473,372 147,634 SH   SOLE 0 147,634 0 0
AMCOR PLC FOREIGN EQUITIES G0250X107   82,534 8,270 SH   DFND 0 8,270 0 0
EATON CORP PLC FOREIGN EQUITIES G29183103   35,192 175 SH   SOLE 0 175 0 0
EATON CORP PLC FOREIGN EQUITIES G29183103   349,914 1,740 SH   DFND 0 1,740 0 0
LINDE PLC FOREIGN EQUITIES G54950103   57,160 150 SH   SOLE 0 150 0 0
MEDTRONIC PLC FOREIGN EQUITIES G5960L103   35,240 400 SH   DFND 0 400 0 0
TRANE TECHNOLOGIES PLC FOREIGN EQUITIES G8994E103   210,386 1,100 SH   SOLE 0 1,100 0 0
WHITE MTNS INS GROUP LTD FOREIGN EQUITIES G9618E107   93,056 67 SH   SOLE 0 67 0 0
CHUBB LTD FOREIGN EQUITIES H1467J104   2,290,663 11,896 SH   SOLE 0 11,896 0 0
CHUBB LTD FOREIGN EQUITIES H1467J104   139,218 723 SH   DFND 0 723 0 0
UBS GROUP AG FOREIGN EQUITIES H42097107   20,270 1,000 SH   DFND 0 1,000 0 0
ACCO BRANDS CORP COMMON STOCK 00081T108   583 112 SH   SOLE 0 112 0 0
AFLAC INC COMMON STOCK 001055102   19,052 273 SH   SOLE 0 273 0 0
AGCO CORP COMMON STOCK 001084102   13,142 100 SH   DFND 0 100 0 0
AT&T INC COMMON STOCK 00206R102   2,496,762 156,538 SH   SOLE 0 156,538 0 0
AT&T INC COMMON STOCK 00206R102   556,648 34,900 SH   DFND 0 34,900 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100   3,868,444 35,484 SH   SOLE 0 35,484 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100   765,099 7,018 SH   DFND 0 7,018 0 0
ABBVIE INC COMMON STOCK 00287Y109   6,198,321 46,006 SH   SOLE 0 46,006 0 0
ABBVIE INC COMMON STOCK 00287Y109   1,479,192 10,979 SH   DFND 0 10,979 0 0
ADOBE INC COMMON STOCK 00724F101   82,636 169 SH   SOLE 0 169 0 0
AGILENT TECHNOLOGIES INC COMMON STOCK 00846U101   9,139 76 SH   DFND 0 76 0 0
AGENUS INC COMMON STOCK 00847G705   477 300 SH   SOLE 0 300 0 0
AIM IMMUNOTECH INC COMMON STOCK 00901B105   8,861 13,226 SH   SOLE 0 13,226 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106   1,368,499 4,569 SH   SOLE 0 4,569 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106   507,086 1,693 SH   DFND 0 1,693 0 0
ALBEMARLE CORP COMMON STOCK 012653101   1,301,709 5,835 SH   SOLE 0 5,835 0 0
ALBEMARLE CORP COMMON STOCK 012653101   555,492 2,490 SH   DFND 0 2,490 0 0
ALGONQUIN PWR UTILS CORP FOREIGN EQUITIES 015857105   8,260 1,000 SH   SOLE 0 1,000 0 0
ALLIANCEBERNSTEIN HLDG LP COMMON STOCK 01881G106   16,075 500 SH   DFND 0 500 0 0
THE ALLSTATE CORPORATION COMMON STOCK 020002101   10,904 100 SH   DFND 0 100 0 0
ALPHABET INC CLASS C COMMON STOCK 02079K107   967,756 8,000 SH   SOLE 0 8,000 0 0
ALPHABET INC CLASS C COMMON STOCK 02079K107   51,412 425 SH   DFND 0 425 0 0
ALPHABET INC CLASS A COMMON STOCK 02079K305   3,995,462 33,379 SH   SOLE 0 33,379 0 0
ALPHABET INC CLASS A COMMON STOCK 02079K305   1,138,945 9,515 SH   DFND 0 9,515 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103   163,993 3,621 SH   SOLE 0 3,621 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103   46,376 1,024 SH   DFND 0 1,024 0 0
AMAZON.COM INC COMMON STOCK 023135106   3,177,111 24,372 SH   SOLE 0 24,372 0 0
AMAZON.COM INC COMMON STOCK 023135106   941,847 7,225 SH   DFND 0 7,225 0 0
AMEREN CORPORATION COMMON STOCK 023608102   204,011 2,498 SH   SOLE 0 2,498 0 0
AMERICAN ELECTRIC POWER CO COMMON STOCK 025537101   2,240,307 26,607 SH   SOLE 0 26,607 0 0
AMERICAN ELECTRIC POWER CO COMMON STOCK 025537101   233,655 2,775 SH   DFND 0 2,775 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109   1,336,629 7,673 SH   SOLE 0 7,673 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109   33,446 192 SH   DFND 0 192 0 0
AMERICAN TOWER CORP COMMON STOCK 03027X100   592,486 3,055 SH   SOLE 0 3,055 0 0
AMERICAN TOWER CORP COMMON STOCK 03027X100   193,940 1,000 SH   DFND 0 1,000 0 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103   157,025 1,100 SH   SOLE 0 1,100 0 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103   142,750 1,000 SH   DFND 0 1,000 0 0
AMETEK INC COMMON STOCK 031100100   518,016 3,200 SH   SOLE 0 3,200 0 0
AMETEK INC COMMON STOCK 031100100   323,760 2,000 SH   DFND 0 2,000 0 0
AMGEN INC COMMON STOCK 031162100   2,700,411 12,163 SH   SOLE 0 12,163 0 0
AMGEN INC COMMON STOCK 031162100   658,510 2,966 SH   DFND 0 2,966 0 0
ELEVANCE HEALTH INC COMMON STOCK 036752103   1,762,875 3,968 SH   SOLE 0 3,968 0 0
ELEVANCE HEALTH INC COMMON STOCK 036752103   80,857 182 SH   DFND 0 182 0 0
APOLLO COMM REAL ESTATE COMMON STOCK 03762U105   22,640 2,000 SH   DFND 0 2,000 0 0
APPLE INC COMMON STOCK 037833100   78,477,865 404,588 SH   SOLE 0 404,588 0 0
APPLE INC COMMON STOCK 037833100   1,114,159 5,744 SH   DFND 0 5,744 0 0
APPLIED MATERIALS INC COMMON STOCK 038222105   72,270 500 SH   SOLE 0 500 0 0
ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102   860,250 11,385 SH   SOLE 0 11,385 0 0
ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102   64,226 850 SH   DFND 0 850 0 0
ARES CAPITAL CORPORATION COMMON STOCK 04010L103   18,780 1,000 SH   SOLE 0 1,000 0 0
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103   2,570,403 11,695 SH   SOLE 0 11,695 0 0
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103   276,713 1,259 SH   DFND 0 1,259 0 0
AVANOS MEDICAL INC COMMON STOCK 05350V106   638 25 SH   DFND 0 25 0 0
BCE INC FOREIGN EQUITIES 05534B760   42,854 940 SH   DFND 0 940 0 0
BP PLC ADR FOREIGN EQUITIES 055622104   8,399 238 SH   SOLE 0 238 0 0
BP PLC ADR FOREIGN EQUITIES 055622104   67,403 1,910 SH   DFND 0 1,910 0 0
BANK OF AMERICA CORPORATION COMMON STOCK 060505104   518,274 18,071 SH   SOLE 0 18,071 0 0
BANK OF AMERICA CORPORATION COMMON STOCK 060505104   76,202 2,657 SH   DFND 0 2,657 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100   83,742 1,881 SH   SOLE 0 1,881 0 0
BARRICK GOLD CORPORATION FOREIGN EQUITIES 067901108   3,386 200 SH   SOLE 0 200 0 0
BAXTER INTERNATIONAL INC COMMON STOCK 071813109   1,023,594 22,467 SH   SOLE 0 22,467 0 0
BAXTER INTERNATIONAL INC COMMON STOCK 071813109   61,506 1,350 SH   DFND 0 1,350 0 0
BECTON DICKINSON AND COMPANY COMMON STOCK 075887109   1,184,079 4,485 SH   SOLE 0 4,485 0 0
BECTON DICKINSON AND COMPANY COMMON STOCK 075887109   528 2 SH   DFND 0 2 0 0
BERKSHIRE HATHAWAY INC B COMMON STOCK 084670702   282,007 827 SH   SOLE 0 827 0 0
BERKSHIRE HILLS BANCORP INC COMMON STOCK 084680107   5,470 264 SH   DFND 0 264 0 0
BHP GROUP LTD ADR FOREIGN EQUITIES 088606108   280,447 4,700 SH   SOLE 0 4,700 0 0
BHP GROUP LTD ADR FOREIGN EQUITIES 088606108   29,834 500 SH   DFND 0 500 0 0
BIOGEN INC COMMON STOCK 09062X103   227,872 800 SH   DFND 0 800 0 0
BIONTECH SE ADR FOREIGN EQUITIES 09075V102   10,793 100 SH   SOLE 0 100 0 0
BIONTECH SE ADR FOREIGN EQUITIES 09075V102   10,793 100 SH   DFND 0 100 0 0
BLACKBERRY LTD NPV FOREIGN EQUITIES 09228F103   458 83 SH   DFND 0 83 0 0
BLACKROCK INC COMMON STOCK 09247X101   732,606 1,060 SH   SOLE 0 1,060 0 0
BLACKROCK INC COMMON STOCK 09247X101   469,975 680 SH   DFND 0 680 0 0
BOEING COMPANY COMMON STOCK 097023105   200,602 950 SH   SOLE 0 950 0 0
BOEING COMPANY COMMON STOCK 097023105   42,232 200 SH   DFND 0 200 0 0
BORGWARNER INC COMMON STOCK 099724106   1,214,913 24,845 SH   SOLE 0 24,845 0 0
BORGWARNER INC COMMON STOCK 099724106   39,120 800 SH   DFND 0 800 0 0
BRISTOL MYERS SQUIBB COMPANY COMMON STOCK 110122108   6,812,650 106,532 SH   SOLE 0 106,532 0 0
BRISTOL MYERS SQUIBB COMPANY COMMON STOCK 110122108   6,398,126 100,049 SH   DFND 0 100,049 0 0
BROADCOM INC COMMON STOCK 11135F101   4,101,110 4,728 SH   SOLE 0 4,728 0 0
BROADCOM INC COMMON STOCK 11135F101   1,350,567 1,557 SH   DFND 0 1,557 0 0
BROOKFIELD CORP NPV FOREIGN EQUITIES 11271J107   51,401 1,528 SH   DFND 0 1,528 0 0
BROOKFIELD ASSET MGMT LTD FOREIGN EQUITIES 113004105   12,464 382 SH   DFND 0 382 0 0
C H ROBINSON WORLDWIDE INC COMMON STOCK 12541W209   28,304 300 SH   DFND 0 300 0 0
CIGNA GROUP COMMON STOCK 125523100   112,236 400 SH   SOLE 0 400 0 0
CSX CORP COMMON STOCK 126408103   734,979 21,560 SH   SOLE 0 21,560 0 0
CSX CORP COMMON STOCK 126408103   1,532,686 44,960 SH   DFND 0 44,960 0 0
CVS HEALTH CORP COMMON STOCK 126650100   2,423,591 35,059 SH   SOLE 0 35,059 0 0
CVS HEALTH CORP COMMON STOCK 126650100   513,771 7,432 SH   DFND 0 7,432 0 0
CAMPBELL SOUP CO COMMON STOCK 134429109   18,280 400 SH   DFND 0 400 0 0
CARDINAL HEALTH INC COMMON STOCK 14149Y108   6,903 73 SH   DFND 0 73 0 0
CARRIER GLOBAL CORPORATION COMMON STOCK 14448C104   486,314 9,785 SH   SOLE 0 9,785 0 0
CARRIER GLOBAL CORPORATION COMMON STOCK 14448C104   51,687 1,040 SH   DFND 0 1,040 0 0
CATERPILLAR INC COMMON STOCK 149123101   4,735,205 19,245 SH   SOLE 0 19,245 0 0
CATERPILLAR INC COMMON STOCK 149123101   243,586 990 SH   DFND 0 990 0 0
CEL SCI CORP COMMON STOCK 150837607   1,205 500 SH   SOLE 0 500 0 0
THE CHEMOURS CO COMMON STOCK 163851108   2,212 60 SH   SOLE 0 60 0 0
THE CHEMOURS CO COMMON STOCK 163851108   13,276 360 SH   DFND 0 360 0 0
CHEVRON CORP COMMON STOCK 166764100   4,497,818 28,585 SH   SOLE 0 28,585 0 0
CHEVRON CORP COMMON STOCK 166764100   902,712 5,737 SH   DFND 0 5,737 0 0
CHIPOTLE MEXICAN GRILL COMMON STOCK 169656105   10,695 5 SH   SOLE 0 5 0 0
CHURCH & DWIGHT CO INC COMMON STOCK 171340102   200,460 2,000 SH   SOLE 0 2,000 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102   8,272,616 159,889 SH   SOLE 0 159,889 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102   1,588,052 30,693 SH   DFND 0 30,693 0 0
COCA COLA COMPANY COMMON STOCK 191216100   7,422,447 123,256 SH   SOLE 0 123,256 0 0
COCA COLA COMPANY COMMON STOCK 191216100   688,673 11,436 SH   DFND 0 11,436 0 0
COHERENT CORP COMMON STOCK 19247G107   10,194 200 SH   DFND 0 200 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103   1,387,028 18,004 SH   SOLE 0 18,004 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103   183,355 2,380 SH   DFND 0 2,380 0 0
COMCAST CORP CLASS A COMMON STOCK 20030N101   2,460,525 59,233 SH   SOLE 0 59,233 0 0
COMCAST CORP CLASS A COMMON STOCK 20030N101   187,509 4,514 SH   DFND 0 4,514 0 0
COMMUNITY BK SYS INC COMMON STOCK 203607106   413,575 8,822 SH   SOLE 0 8,822 0 0
COMMUNITY BK SYS INC COMMON STOCK 203607106   5,866,188 125,132 SH   DFND 0 125,132 0 0
CONAGRA FOODS INC COMMON STOCK 205887102   1,192,002 35,350 SH   SOLE 0 35,350 0 0
CONAGRA FOODS INC COMMON STOCK 205887102   69,126 2,050 SH   DFND 0 2,050 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104   1,199,276 11,575 SH   SOLE 0 11,575 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104   21,343 206 SH   DFND 0 206 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104   131,984 1,460 SH   SOLE 0 1,460 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104   244,080 2,700 SH   DFND 0 2,700 0 0
CONSTELLATION BRANDS INC COMMON STOCK 21036P108   246,130 1,000 SH   SOLE 0 1,000 0 0
CONSTELLATION BRANDS INC COMMON STOCK 21036P108   246,130 1,000 SH   DFND 0 1,000 0 0
CONSTELLATION ENERGY CORP COMMON STOCK 21037T109   18,310 200 SH   SOLE 0 200 0 0
CONSTELLATION ENERGY CORP COMMON STOCK 21037T109   25,816 282 SH   DFND 0 282 0 0
COOPER COMPANIES INC COMMON STOCK 216648402   61,347 160 SH   SOLE 0 160 0 0
CORNING INC COMMON STOCK 219350105   2,284,664 65,202 SH   SOLE 0 65,202 0 0
CORNING INC COMMON STOCK 219350105   124,392 3,550 SH   DFND 0 3,550 0 0
CORTEVA INC COMMON STOCK 22052L104   318,582 5,561 SH   SOLE 0 5,561 0 0
CORTEVA INC COMMON STOCK 22052L104   55,799 974 SH   DFND 0 974 0 0
COSTCO COMMON STOCK 22160K105   11,844 22 SH   SOLE 0 22 0 0
COUPANG INC CL A FOREIGN EQUITIES 22266T109   3,478 200 SH   DFND 0 200 0 0
CROCS INC COMMON STOCK 227046109   99,509 885 SH   SOLE 0 885 0 0
CUMMINS INC COMMON STOCK 231021106   2,200,303 8,975 SH   SOLE 0 8,975 0 0
CUMMINS INC COMMON STOCK 231021106   573,674 2,340 SH   DFND 0 2,340 0 0
DANAHER CORP COMMON STOCK 235851102   115,680 482 SH   SOLE 0 482 0 0
DEERE & COMPANY COMMON STOCK 244199105   636,106 1,570 SH   SOLE 0 1,570 0 0
DEERE & COMPANY COMMON STOCK 244199105   232,983 575 SH   DFND 0 575 0 0
DELL TECHNOLOGIES INC COMMON STOCK 24703L202   1,515 28 SH   DFND 0 28 0 0
DIGI INTL INC COMMON STOCK 253798102   15,752 400 SH   DFND 0 400 0 0
DIGITAL REALTY TRUST INC COMMON STOCK 253868103   12,070 106 SH   SOLE 0 106 0 0
DIME CMNTY BANCSHARES INC COMMON STOCK 25432X102   3,524 200 SH   SOLE 0 200 0 0
WALT DISNEY CO COMMON STOCK 254687106   2,243,677 25,131 SH   SOLE 0 25,131 0 0
WALT DISNEY CO COMMON STOCK 254687106   164,986 1,848 SH   DFND 0 1,848 0 0
DISCOVER FINANCIAL SERVICES COMMON STOCK 254709108   10,750 92 SH   SOLE 0 92 0 0
DOLLAR GENERAL CORP COMMON STOCK 256677105   550,079 3,240 SH   SOLE 0 3,240 0 0
DOLLAR GENERAL CORP COMMON STOCK 256677105   91,680 540 SH   DFND 0 540 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109   1,688,182 32,597 SH   SOLE 0 32,597 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109   355,479 6,864 SH   DFND 0 6,864 0 0
DORCHESTER MINERALS LP COMMON STOCK 25820R105   1,511,724 50,475 SH   SOLE 0 50,475 0 0
DOVER CORP COMMON STOCK 260003108   5,315 36 SH   SOLE 0 36 0 0
DOW INC COMMON STOCK 260557103   2,626,035 49,316 SH   SOLE 0 49,316 0 0
DOW INC COMMON STOCK 260557103   153,086 2,875 SH   DFND 0 2,875 0 0
DRAFTKINGS INC CL A COMMON STOCK 26142V105   5,312 200 SH   SOLE 0 200 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204   136,404 1,520 SH   SOLE 0 1,520 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204   24,678 275 SH   DFND 0 275 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102   3,390,380 47,458 SH   SOLE 0 47,458 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102   218,675 3,061 SH   DFND 0 3,061 0 0
EOG RESOURCES INC COMMON STOCK 26875P101   642,462 5,614 SH   SOLE 0 5,614 0 0
EOG RESOURCES INC COMMON STOCK 26875P101   28,610 250 SH   DFND 0 250 0 0
EASTMAN CHEMICAL CO COMMON STOCK 277432100   260,871 3,116 SH   SOLE 0 3,116 0 0
EBAY INC COMMON STOCK 278642103   8,936 200 SH   SOLE 0 200 0 0
ECOLAB INC COMMON STOCK 278865100   205,358 1,100 SH   SOLE 0 1,100 0 0
EDISON INTL COMMON STOCK 281020107   258,840 3,727 SH   DFND 0 3,727 0 0
EDWARDS LIFESCIENCES CORP COMMON STOCK 28176E108   90,556 960 SH   DFND 0 960 0 0
EMERSON ELECTRIC CO COMMON STOCK 291011104   5,249,150 58,073 SH   SOLE 0 58,073 0 0
EMERSON ELECTRIC CO COMMON STOCK 291011104   604,160 6,684 SH   DFND 0 6,684 0 0
ENBRIDGE INC FOREIGN EQUITIES 29250N105   38,997 1,050 SH   SOLE 0 1,050 0 0
ENBRIDGE INC FOREIGN EQUITIES 29250N105   38,959 1,049 SH   DFND 0 1,049 0 0
ENERGY TRANSFER EQUITY LP COMMON STOCK 29273V100   26,543 2,090 SH   DFND 0 2,090 0 0
ENTERPRISE PRODS PARTNERS LP COMMON STOCK 293792107   28,921 1,098 SH   SOLE 0 1,098 0 0
EQUIFAX INC COMMON STOCK 294429105   647,075 2,750 SH   SOLE 0 2,750 0 0
EQUIFAX INC COMMON STOCK 294429105   235,300 1,000 SH   DFND 0 1,000 0 0
EQUITRANS MIDSTREAM CORP COMMON STOCK 294600101   4,780 500 SH   DFND 0 500 0 0
ESCO TECHNOLOGIES COMMON STOCK 296315104   8,704 84 SH   DFND 0 84 0 0
ESSENTIAL UTILITIES INC COMMON STOCK 29670G102   1,134,468 28,433 SH   SOLE 0 28,433 0 0
ESSENTIAL UTILITIES INC COMMON STOCK 29670G102   92,287 2,313 SH   DFND 0 2,313 0 0
EXELON CORP COMMON STOCK 30161N101   904,849 22,216 SH   SOLE 0 22,216 0 0
EXELON CORP COMMON STOCK 30161N101   125,650 3,085 SH   DFND 0 3,085 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102   6,065,279 56,553 SH   SOLE 0 56,553 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102   1,601,988 14,937 SH   DFND 0 14,937 0 0
META PLATFORMS INC COMMON STOCK 30303M102   80,351 280 SH   DFND 0 280 0 0
FEDEX CORP COMMON STOCK 31428X106   618,506 2,495 SH   SOLE 0 2,495 0 0
FEDEX CORP COMMON STOCK 31428X106   21,071 85 SH   DFND 0 85 0 0
FIDELITY NATL INFORMATION SV COMMON STOCK 31620M106   54,700 1,000 SH   SOLE 0 1,000 0 0
FIDELITY NATL INFORMATION SV COMMON STOCK 31620M106   54,700 1,000 SH   DFND 0 1,000 0 0
FIFTH THIRD BANCORP COMMON STOCK 316773100   17,161 655 SH   DFND 0 655 0 0
FIRST HORIZON NATL CORP COMMON STOCK 320517105   5,635 500 SH   SOLE 0 500 0 0
FIRST SOLAR, INC. COMMON STOCK 336433107   950,450 5,000 SH   DFND 0 5,000 0 0
FLEXSHARES GLOBAL UPSTREAM NATURAL RESOURCES ETF/INTERNATIONAL EQUITY 33939L407   1,421,926 35,495 SH   SOLE 0 35,495 0 0
FLEXSHARES GLOBAL UPSTREAM NATURAL RESOURCES ETF/INTERNATIONAL EQUITY 33939L407   62,093 1,550 SH   DFND 0 1,550 0 0
FORD MOTOR COMPANY COMMON STOCK 345370860   29,609 1,957 SH   SOLE 0 1,957 0 0
FORD MOTOR COMPANY COMMON STOCK 345370860   12,104 800 SH   DFND 0 800 0 0
FORTUNE BRANDS HOME & SEC COMMON STOCK 34964C106   34,536 480 SH   SOLE 0 480 0 0
FOX CORP COMMON STOCK 35137L105   187,000 5,500 SH   SOLE 0 5,500 0 0
FRANCO NEVADA CORP FOREIGN EQUITIES 351858105   18,823 132 SH   DFND 0 132 0 0
FRANKLIN FTSE CANADA ETF/INTERNATIONAL EQUITY 35473P827   374,645 11,860 SH   SOLE 0 11,710 0 150
FRANKLIN FTSE CANADA ETF/INTERNATIONAL EQUITY 35473P827   12,162 385 SH   DFND 0 385 0 0
FREEPORT MCMORAN INC COMMON STOCK 35671D857   621,000 15,525 SH   SOLE 0 15,525 0 0
FREEPORT MCMORAN INC COMMON STOCK 35671D857   32,000 800 SH   DFND 0 800 0 0
FRESENIUS MEDICAL CARE AG & CO KGAA FOREIGN EQUITIES 358029106   2,393 100 SH   DFND 0 100 0 0
GABELLI MULTIMEDIA TR INC CLOSED END MUTUAL FUNDS 36239Q109   1,964 299 SH   DFND 0 299 0 0
GABELLI EQUITY TR INC CLOSED END MUTUAL FUNDS 362397101   5,800 1,000 SH   DFND 0 1,000 0 0
GABELLI UTILITY TRUST CLOSED END MUTUAL FUNDS 36240A101   2,237 330 SH   DFND 0 330 0 0
GE HEALTHCARE TECH COMMON STOCK 36266G107   48,415 596 SH   SOLE 0 596 0 0
GE HEALTHCARE TECH COMMON STOCK 36266G107   36,475 449 SH   DFND 0 449 0 0
GAP INC COMMON STOCK 364760108   17,860 2,000 SH   SOLE 0 2,000 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108   1,730,006 8,041 SH   SOLE 0 8,041 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108   51,636 240 SH   DFND 0 240 0 0
GENERAL ELECTRIC CO COMMON STOCK 369604301   198,715 1,809 SH   SOLE 0 1,809 0 0
GENERAL ELECTRIC CO COMMON STOCK 369604301   149,065 1,357 SH   DFND 0 1,357 0 0
GENERAL MILLS INC COMMON STOCK 370334104   2,591,609 33,789 SH   SOLE 0 33,789 0 0
GENERAL MILLS INC COMMON STOCK 370334104   275,353 3,590 SH   DFND 0 3,590 0 0
GENERAL MOTORS CO COMMON STOCK 37045V100   7,712 200 SH   DFND 0 200 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103   1,306,008 16,948 SH   SOLE 0 16,948 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103   173,385 2,250 SH   DFND 0 2,250 0 0
GLOBAL X MLP ETF ETF/EQUITY 37954Y343   29,192 680 SH   SOLE 0 680 0 0
GOLDMAN SACHS ACCESS ULTRAST ETF/FIXED INCOME 381430230   99,800 2,000 SH   SOLE 0 2,000 0 0
GOLDMAN SACHS JUST US LARGE CAP EQUITY ETF ETF/EQUITY 381430396   6,632 105 SH   SOLE 0 105 0 0
GRAINGER W W INC COMMON STOCK 384802104   7,885 10 SH   SOLE 0 10 0 0
HP INC COMMON STOCK 40434L105   3,960 129 SH   SOLE 0 129 0 0
HANESBRANDS INC COMMON STOCK 410345102   2,265 500 SH   SOLE 0 500 0 0
HARLEY DAVIDSON INC COMMON STOCK 412822108   7,040 200 SH   SOLE 0 200 0 0
HERSHEY CO COMMON STOCK 427866108   74,910 300 SH   SOLE 0 300 0 0
HEWLETT PACKARD ENTERPRISE COMMON STOCK 42824C109   2,165 129 SH   SOLE 0 129 0 0
HOME DEPOT INC COMMON STOCK 437076102   3,653,263 11,761 SH   SOLE 0 11,761 0 0
HOME DEPOT INC COMMON STOCK 437076102   48,144 155 SH   DFND 0 155 0 0
HONEYWELL INTL INC COMMON STOCK 438516106   2,206,335 10,633 SH   SOLE 0 10,633 0 0
HONEYWELL INTL INC COMMON STOCK 438516106   43,367 209 SH   DFND 0 209 0 0
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109   4,629,695 18,507 SH   SOLE 0 18,507 0 0
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109   634,155 2,535 SH   DFND 0 2,535 0 0
INCYTE CORP COMMON STOCK 45337C102   6,225 100 SH   SOLE 0 100 0 0
INFINITY PHARMACEUTICALS INC COMMON STOCK 45665G303   1,260 6,000 SH   SOLE 0 6,000 0 0
INFUSYSTEMS HOLDINGS INC COMMON STOCK 45685K102   9,630 1,000 SH   SOLE 0 1,000 0 0
INGERSOLL RAND INC COMMON STOCK 45687V106   71,569 1,095 SH   SOLE 0 1,095 0 0
INTEL CORP COMMON STOCK 458140100   2,972,534 88,919 SH   SOLE 0 88,919 0 0
INTEL CORP COMMON STOCK 458140100   343,324 10,270 SH   DFND 0 10,270 0 0
INTL BUSINESS MACHINES CORP COMMON STOCK 459200101   8,898,707 66,503 SH   SOLE 0 66,503 0 0
INTL BUSINESS MACHINES CORP COMMON STOCK 459200101   5,510,290 41,180 SH   DFND 0 41,180 0 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103   584,865 18,392 SH   SOLE 0 18,392 0 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103   27,220 856 SH   DFND 0 856 0 0
INVESCO ACTIVELY MANAGD ETF ULTRA SHRT DUR ETF/FIXED INCOME 46090A887   270,871 5,458 SH   SOLE 0 5,458 0 0
INVESCO ACTIVELY MANAGD ETF ULTRA SHRT DUR ETF/FIXED INCOME 46090A887   4,020 81 SH   DFND 0 81 0 0
INVESCO QQQ TRUST ETF/EQUITY 46090E103   1,076,083 2,913 SH   SOLE 0 2,905 8 0
INVESCO QQQ TRUST ETF/EQUITY 46090E103   90,134 244 SH   DFND 0 244 0 0
INTUIT INC COMMON STOCK 461202103   11,912 26 SH   SOLE 0 26 0 0
INVESCO WILDERHILL CLEAN ENERGY ETF ETF/EQUITY 46137V134   12,955 323 SH   DFND 0 323 0 0
INVESCO FTSE RAFI US1000 ETF ETF/EQUITY 46137V613   14,728 90 SH   SOLE 0 90 0 0
INVESCO VARIABLE RATE PFD ETF/EQUITY 46138G870   1,223,750 55,000 SH   SOLE 0 55,000 0 0
INVESCO BULLETSHARES 2028 CORP BOND ETF/FIXED INCOME 46138J643   8,389 425 SH   SOLE 0 425 0 0
INVESCO BULLETSHARES 2027 CORP BOND ETF/FIXED INCOME 46138J783   17,688 930 SH   SOLE 0 930 0 0
INVESCO BULLETSHS 26 CRP ETF ETF/FIXED INCOME 46138J791   458,907 24,230 SH   SOLE 0 23,705 0 525
INVESCO BULLETSHS 26 CRP ETF ETF/FIXED INCOME 46138J791   12,689 670 SH   DFND 0 670 0 0
INVESCO BULLETSHARES ETF ETF/FIXED INCOME 46138J825   17,102 850 SH   SOLE 0 850 0 0
IQVIA HLDGS INC COMMON STOCK 46266C105   22,477 100 SH   SOLE 0 100 0 0
IRIDIUM COMMUNICATIONS INC COMMON STOCK 46269C102   9,316 150 SH   DFND 0 150 0 0
ISHARES SILVER TRUST ETF/OTHER 46428Q109   15,660 750 SH   SOLE 0 750 0 0
ISHARES SILVER TRUST ETF/OTHER 46428Q109   34,765 1,665 SH   DFND 0 1,665 0 0
ISHARES GOLD TRUST ETF/OTHER 464285204   3,392,755 93,259 SH   SOLE 0 93,109 0 150
ISHARES MSCI CANADA ETF ETF/INTERNATIONAL EQUITY 464286509   3,743,125 107,009 SH   SOLE 0 106,969 40 0
ISHARES MSCI CANADA ETF ETF/INTERNATIONAL EQUITY 464286509   117,212 3,351 SH   DFND 0 3,351 0 0
ISHARES MSCI EUROZONE ETF ETF/INTERNATIONAL EQUITY 464286608   99,397 2,170 SH   SOLE 0 2,145 0 25
ISHARES MSCI EUROZONE ETF ETF/INTERNATIONAL EQUITY 464286608   3,206 70 SH   DFND 0 70 0 0
ISHARES SELECT DIVIDEND ETF ETF/EQUITY 464287168   67,980 600 SH   SOLE 0 600 0 0
ISHARES TIPS BOND ETF ETF/FIXED INCOME 464287176   26,905 250 SH   SOLE 0 250 0 0
ISHARES CORE S&P 500 ETF ETF/EQUITY 464287200   48,580,399 108,998 SH   SOLE 0 108,960 38 0
ISHARES CORE S&P 500 ETF ETF/EQUITY 464287200   152,426 342 SH   DFND 0 342 0 0
ISHARES CORE US AGGREGATE BOND ETF ETF/FIXED INCOME 464287226   47,995 490 SH   SOLE 0 490 0 0
ISHARES MSCI EMERGING MKTS ETF ETF/INTERNATIONAL EQUITY 464287234   47,195 1,193 SH   SOLE 0 1,193 0 0
ISHARES IBOXX $ INVMT GRADE CORP BOND ETF ETF/FIXED INCOME 464287242   136,144 1,259 SH   SOLE 0 1,219 40 0
ISHARES S&P 500 GROWTH ETF ETF/EQUITY 464287309   974,106 13,823 SH   SOLE 0 13,823 0 0
ISHARES GLOBAL HEALTHCARE ETF/EQUITY 464287325   2,134,253 25,112 SH   SOLE 0 25,087 0 25
ISHARES GLOBAL HEALTHCARE ETF/EQUITY 464287325   3,399 40 SH   DFND 0 40 0 0
ISHARES S&P 500 VALUE ETF ETF/EQUITY 464287408   872,520 5,413 SH   SOLE 0 5,413 0 0
ISHARES 7-10 YEAR TSY BOND ETF/FIXED INCOME 464287440   836,073 8,655 SH   SOLE 0 8,655 0 0
ISHARES 7-10 YEAR TSY BOND ETF/FIXED INCOME 464287440   10,143 105 SH   DFND 0 105 0 0
ISHARES 1-3 YR TREASURY BOND ETF/FIXED INCOME 464287457   558,070 6,883 SH   SOLE 0 6,883 0 0
ISHARES MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 464287465   2,191,954 30,234 SH   SOLE 0 30,234 0 0
ISHARES MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 464287465   310,806 4,287 SH   DFND 0 4,287 0 0
ISHARES RUSSELL MIDCAP VALUE ETF/EQUITY 464287473   4,102,848 37,353 SH   SOLE 0 37,353 0 0
ISHARES RUSSELL MIDCAP VALUE ETF/EQUITY 464287473   175,744 1,600 SH   DFND 0 1,600 0 0
ISHARES CORE S&P MIDCAP ETF ETF/EQUITY 464287507   14,437,562 55,217 SH   SOLE 0 55,197 0 20
ISHARES CORE S&P MIDCAP ETF ETF/EQUITY 464287507   149,034 570 SH   DFND 0 570 0 0
ISHARES RUSSELL 1000 VALUE ETF/EQUITY 464287598   4,289,149 27,176 SH   SOLE 0 27,002 49 125
ISHARES RUSSELL 1000 VALUE ETF/EQUITY 464287598   173,295 1,098 SH   DFND 0 1,098 0 0
ISHARES S&P MIDCAP 400 GROWTH ETF ETF/EQUITY 464287606   298,500 3,980 SH   SOLE 0 3,980 0 0
ISHARES S&P MIDCAP 400 GROWTH ETF ETF/EQUITY 464287606   45,000 600 SH   DFND 0 600 0 0
ISHARES RUSSELL 1000 GROWTH ETF ETF/EQUITY 464287614   6,500,313 23,623 SH   SOLE 0 23,554 0 69
ISHARES RUSSELL 1000 GROWTH ETF ETF/EQUITY 464287614   172,531 627 SH   DFND 0 627 0 0
ISHARES RUSSELL 2000 VALUE ETF/EQUITY 464287630   29,427 209 SH   DFND 0 209 0 0
ISHARES RUSSELL 2000 GROWTH ETF ETF/EQUITY 464287648   34,215 141 SH   DFND 0 141 0 0
ISHARES RUSSELL 2000 ETF ETF/EQUITY 464287655   1,163,862 6,215 SH   SOLE 0 6,179 36 0
ISHARES RUSSELL 2000 ETF ETF/EQUITY 464287655   117,603 628 SH   DFND 0 628 0 0
ISHARES CORE S&P SMALLCAP ETF ETF/EQUITY 464287804   17,350,824 174,118 SH   SOLE 0 174,060 0 58
ISHARES CORE S&P SMALLCAP ETF ETF/EQUITY 464287804   137,616 1,381 SH   DFND 0 1,381 0 0
ISHARES GLOBAL CLEAN ENERGY ETF/INTERNATIONAL EQUITY 464288224   45,975 2,500 SH   SOLE 0 2,500 0 0
ISHARES GLOBAL CLEAN ENERGY ETF/INTERNATIONAL EQUITY 464288224   16,550 900 SH   DFND 0 900 0 0
ISHARES MSCI ACWI EX US ETF ETF/INTERNATIONAL EQUITY 464288240   2,426,591 49,302 SH   SOLE 0 49,258 44 0
ISHARES MSCI ACWI EX US ETF ETF/INTERNATIONAL EQUITY 464288240   279,611 5,681 SH   DFND 0 5,681 0 0
ISHARES MSCI ACWI ETF ETF/EQUITY 464288257   6,371,279 66,409 SH   SOLE 0 66,409 0 0
ISHARES IBOXX $ HIGH YIELD CORP BOND ETF ETF/FIXED INCOME 464288513   250,623 3,339 SH   SOLE 0 3,299 40 0
ISHARES IBOXX $ HIGH YIELD CORP BOND ETF ETF/FIXED INCOME 464288513   82,036 1,093 SH   DFND 0 1,093 0 0
ISHARES INTERMEDIATE CREDIT BOND ETF ETF/FIXED INCOME 464288638   25,077 496 SH   DFND 0 496 0 0
ISHARES SHORT TERM CORP BOND ETF/FIXED INCOME 464288646   95,301 1,900 SH   DFND 0 1,900 0 0
ISHARES US PREFERRED STOCK ETF/OTHER 464288687   1,808,800 58,481 SH   SOLE 0 58,481 0 0
ISHARES US PREFERRED STOCK ETF/OTHER 464288687   113,818 3,680 SH   DFND 0 3,680 0 0
ISHARES MSCI EAFE VALUE ETF ETF/EQUITY 464288877   1,614 33 SH   SOLE 0 33 0 0
ISHARES CORE HIGH DIVIDEND ETF/EQUITY 46429B663   230,809 2,290 SH   SOLE 0 2,290 0 0
ISHARES CORE HIGH DIVIDEND ETF/EQUITY 46429B663   8,063 80 SH   DFND 0 80 0 0
ISHARES EDGE MSCI MIN VOL USA ETF ETF/EQUITY 46429B697   7,622,899 102,555 SH   SOLE 0 102,460 0 95
ISHARES CORE MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 46432F842   40,430,995 598,978 SH   SOLE 0 598,718 0 260
ISHARES CORE MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 46432F842   273,036 4,045 SH   DFND 0 4,045 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 46434G103   10,432,561 211,657 SH   SOLE 0 211,527 0 130
ISHARES CORE MSCI EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 46434G103   16,019 325 SH   DFND 0 325 0 0
ISHARES MSCI EM EX CHINA ETF/INTERNATIONAL EQUITY 46434G764   1,985,502 38,205 SH   SOLE 0 38,180 0 25
ISHARES MSCI EM EX CHINA ETF/INTERNATIONAL EQUITY 46434G764   3,118 60 SH   DFND 0 60 0 0
ISHARES ESG MSCI EM ETF ETF/INTERNATIONAL EQUITY 46434G863   340,015 10,750 SH   SOLE 0 10,750 0 0
ISHARES IBONDS DEC 2023 ETF ETF/FIXED INCOME 46434VAX8   35,406 1,400 SH   DFND 0 1,400 0 0
ISHARES MSCI ACWI LOW CARBON ETF/EQUITY 46434V464   3,127 20 SH   SOLE 0 20 0 0
ISHARES ESG USD CORP BOND ETF/FIXED INCOME 46435G193   8,523 375 SH   SOLE 0 375 0 0
ISHARES TR ESG AWRE 1 5 YR ETF/FIXED INCOME 46435G243   8,364 350 SH   SOLE 0 350 0 0
ISHARES TR ESG MSCI USA ETF (ESGU) ETF/EQUITY 46435G425   12,182 125 SH   SOLE 0 125 0 0
ISHARES ESG MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 46435G516   377,629 5,178 SH   SOLE 0 5,178 0 0
ISHARES BB RATED CRP BND ETF ETF/FIXED INCOME 46435U473   8,288 185 SH   SOLE 0 185 0 0
ISHARES ESG AWARE MSCI SMALLCAP ETF ETF/EQUITY 46435U663   1,243 35 SH   SOLE 0 35 0 0
ISHARES IBONDS DEC 2030 TERM TSY ETF ETF/FIXED INCOME 46436E593   500,711 25,495 SH   SOLE 0 24,905 0 590
ISHARES IBONDS DEC 2030 TERM TSY ETF ETF/FIXED INCOME 46436E593   20,229 1,030 SH   DFND 0 1,030 0 0
ISHARES 0-3 MONTH TREASURY ETF/FIXED INCOME 46436E718   314,656 3,127 SH   SOLE 0 3,045 0 82
ISHARES IBONDS DEC 2028 TERM ETF/FIXED INCOME 46436E833   162,646 7,393 SH   SOLE 0 7,293 0 100
ISHARES IBONDS DEC 2028 TERM ETF/FIXED INCOME 46436E833   4,092 186 SH   DFND 0 186 0 0
JPMORGAN CHASE & CO COMMON STOCK 46625H100   11,082,197 76,198 SH   SOLE 0 76,198 0 0
JPMORGAN CHASE & CO COMMON STOCK 46625H100   1,091,377 7,504 SH   DFND 0 7,504 0 0
JABIL CIRCUIT INC. COMMON STOCK 466313103   21,586 200 SH   SOLE 0 200 0 0
JPMORGAN EQUITY PREMIUM INC ETF/EQUITY 46641Q332   11,575,910 209,216 SH   SOLE 0 209,001 0 215
JPMORGAN EQUITY PREMIUM INC ETF/EQUITY 46641Q332   20,472 370 SH   DFND 0 370 0 0
JACOBS SOLUTIONS INC COMMON STOCK 46982L108   23,064 194 SH   DFND 0 194 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104   8,517,290 51,458 SH   SOLE 0 51,458 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104   1,794,730 10,843 SH   DFND 0 10,843 0 0
KLA CORPORATION COMMON STOCK 482480100   10,670 22 SH   SOLE 0 22 0 0
KELLOGG COMPANY COMMON STOCK 487836108   53,920 800 SH   DFND 0 800 0 0
KEURIG DR PEPPER INC COMMON STOCK 49271V100   5,253 168 SH   SOLE 0 168 0 0
KEYCORP COMMON STOCK 493267108   4,620 500 SH   SOLE 0 500 0 0
KEYCORP COMMON STOCK 493267108   4,620 500 SH   DFND 0 500 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103   1,294,720 9,378 SH   SOLE 0 9,378 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103   323,749 2,345 SH   DFND 0 2,345 0 0
KINDER MORGAN INC COMMON STOCK 49456B101   959,187 55,735 SH   SOLE 0 55,735 0 0
KINDER MORGAN INC COMMON STOCK 49456B101   109,453 6,360 SH   DFND 0 6,360 0 0
KRAFT HEINZ COMPANY COMMON STOCK 500754106   82,821 2,333 SH   DFND 0 2,333 0 0
KYNDRYL HOLDINGS INC COMMON STOCK 50155Q100   1,737 131 SH   SOLE 0 131 0 0
LAM RESEARCH CORP COMMON STOCK 512807108   997,032 1,551 SH   SOLE 0 1,551 0 0
LAM RESEARCH CORP COMMON STOCK 512807108   73,927 115 SH   DFND 0 115 0 0
ESTEE LAUDER COMP INC CL A COMMON STOCK 518439104   19,638 100 SH   SOLE 0 100 0 0
LIBERTY ALL STAR EQUITY FD CLOSED END MUTUAL FUNDS 530158104   15,547 2,403 SH   SOLE 0 2,403 0 0
LIBERTY ALL STAR EQUITY FD CLOSED END MUTUAL FUNDS 530158104   15,540 2,402 SH   DFND 0 2,402 0 0
ELI LILLY AND COMPANY COMMON STOCK 532457108   1,430,342 3,050 SH   SOLE 0 3,050 0 0
ELI LILLY AND COMPANY COMMON STOCK 532457108   973,110 2,075 SH   DFND 0 2,075 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109   3,049,054 6,623 SH   SOLE 0 6,623 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109   498,582 1,083 SH   DFND 0 1,083 0 0
LOEWS CORP COMMON STOCK 540424108   77,194 1,300 SH   DFND 0 1,300 0 0
LOWES COMPANIES INC COMMON STOCK 548661107   4,795,876 21,249 SH   SOLE 0 21,249 0 0
LOWES COMPANIES INC COMMON STOCK 548661107   350,959 1,555 SH   DFND 0 1,555 0 0
LUMEN TECHNOLOGIES INC COMMON STOCK 550241103   3,631 1,614 SH   DFND 0 1,614 0 0
M & T BANK CORP COMMON STOCK 55261F104   193,931 1,567 SH   SOLE 0 1,567 0 0
M & T BANK CORP COMMON STOCK 55261F104   1,069,904 8,645 SH   DFND 0 8,645 0 0
MGIC INVESTMENT CORP COMMON STOCK 552848103   7,895 500 SH   SOLE 0 500 0 0
MARATHON PETROLEUM CORP COMMON STOCK 56585A102   40,110 344 SH   DFND 0 344 0 0
MARKEL GROUP INC COMMON STOCK 570535104   45,644 33 SH   SOLE 0 33 0 0
MASTERCARD INC CLASS A COMMON STOCK 57636Q104   825,891 2,100 SH   SOLE 0 2,100 0 0
MASTERCARD INC CLASS A COMMON STOCK 57636Q104   21,630 55 SH   DFND 0 55 0 0
MASTERBRAND INC COMMON STOCK 57638P104   5,582 480 SH   SOLE 0 480 0 0
MCDONALDS CORP COMMON STOCK 580135101   4,431,526 14,851 SH   SOLE 0 14,851 0 0
MCDONALDS CORP COMMON STOCK 580135101   267,962 898 SH   DFND 0 898 0 0
MCKESSON CORP COMMON STOCK 58155Q103   555,490 1,300 SH   SOLE 0 1,300 0 0
MCKESSON CORP COMMON STOCK 58155Q103   239,288 560 SH   DFND 0 560 0 0
MEDPACE HOLDINGS INC COMMON STOCK 58506Q109   9,606 40 SH   SOLE 0 40 0 0
MERCK & COMPANY INC COMMON STOCK 58933Y105   11,712,101 101,501 SH   SOLE 0 101,501 0 0
MERCK & COMPANY INC COMMON STOCK 58933Y105   1,948,813 16,889 SH   DFND 0 16,889 0 0
METLIFE INC COMMON STOCK 59156R108   158,256 2,800 SH   SOLE 0 2,800 0 0
METLIFE INC COMMON STOCK 59156R108   25,999 460 SH   DFND 0 460 0 0
METTLER-TOLEDO INTL COMMON STOCK 592688105   577,121 440 SH   SOLE 0 440 0 0
METTLER-TOLEDO INTL COMMON STOCK 592688105   131,164 100 SH   DFND 0 100 0 0
MICROSOFT CORP COMMON STOCK 594918104   20,795,007 61,067 SH   SOLE 0 61,067 0 0
MICROSOFT CORP COMMON STOCK 594918104   2,891,089 8,490 SH   DFND 0 8,490 0 0
MICRON TECHNOLOGY COMMON STOCK 595112103   20,194 320 SH   SOLE 0 320 0 0
MODERNA INC COMMON STOCK 60770K107   6,075 50 SH   SOLE 0 50 0 0
MOLINA HEALTHCARE INC COMMON STOCK 60855R100   15,061 50 SH   SOLE 0 50 0 0
MONDELEZ INTL INC CL A COMMON STOCK 609207105   460,978 6,320 SH   SOLE 0 6,320 0 0
MONDELEZ INTL INC CL A COMMON STOCK 609207105   202,408 2,775 SH   DFND 0 2,775 0 0
MORGAN STANLEY COMMON STOCK 617446448   1,917,826 22,457 SH   SOLE 0 22,457 0 0
MORGAN STANLEY COMMON STOCK 617446448   23,485 275 SH   DFND 0 275 0 0
ETF CALVERT US MID-CAP CORE ETF/EQUITY 61774R403   2,034 40 SH   SOLE 0 40 0 0
MURPHY OIL CORPORATION COMMON STOCK 626717102   12,559 328 SH   SOLE 0 328 0 0
MURPHY USA INC COMMON STOCK 626755102   25,510 82 SH   SOLE 0 82 0 0
NBT BANCORP INC COMMON STOCK 628778102   385,008 12,092 SH   SOLE 0 12,092 0 0
NBT BANCORP INC COMMON STOCK 628778102   300,790 9,447 SH   DFND 0 9,447 0 0
NATIONAL FUEL GAS COMPANY COMMON STOCK 636180101   97,584 1,900 SH   SOLE 0 1,900 0 0
NATIONAL FUEL GAS COMPANY COMMON STOCK 636180101   157,983 3,076 SH   DFND 0 3,076 0 0
NATIONAL GRID PLC ADR FOREIGN EQUITIES 636274409   72,244 1,073 SH   DFND 0 1,073 0 0
NETFLIX INC COMMON STOCK 64110L106   154,168 350 SH   SOLE 0 350 0 0
NEW YORK CMNTY BANCORP INC COMMON STOCK 649445103   11,240 1,000 SH   SOLE 0 1,000 0 0
NEW YORK CMNTY BANCORP INC COMMON STOCK 649445103   1,967 175 SH   DFND 0 175 0 0
NEWELL RUBBERMAID INC COMMON STOCK 651229106   6,307 725 SH   SOLE 0 0 0 725
NEXSTAR MEDIA GROUP INC COMMON STOCK 65336K103   8,327 50 SH   SOLE 0 50 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101   2,695,462 36,327 SH   SOLE 0 36,327 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101   1,327,438 17,890 SH   DFND 0 17,890 0 0
NIKE INC CLASS B COMMON STOCK 654106103   2,399,981 21,745 SH   SOLE 0 21,745 0 0
NIKE INC CLASS B COMMON STOCK 654106103   160,146 1,451 SH   DFND 0 1,451 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108   2,151,037 9,486 SH   SOLE 0 9,486 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108   292,520 1,290 SH   DFND 0 1,290 0 0
NORTHROP GRUMMAN CORP COMMON STOCK 666807102   91,158 200 SH   DFND 0 200 0 0
NORWOOD FINANCIAL CORP COMMON STOCK 669549107   117,843 3,992 SH   SOLE 0 3,992 0 0
NOVARTIS AG ADR FOREIGN EQUITIES 66987V109   265,191 2,628 SH   SOLE 0 2,628 0 0
NUCOR CORP COMMON STOCK 670346105   5,469,528 33,355 SH   SOLE 0 33,355 0 0
NUCOR CORP COMMON STOCK 670346105   1,087,677 6,633 SH   DFND 0 6,633 0 0
NVIDIA CORPORATION COMMON STOCK 67066G104   2,491,939 5,891 SH   SOLE 0 5,891 0 0
NVIDIA CORPORATION COMMON STOCK 67066G104   264,381 625 SH   DFND 0 625 0 0
OAKTREE SPECIALTY LENDING COMMON STOCK 67401P405   19,430 1,000 SH   SOLE 0 1,000 0 0
OCCIDENTAL PETE CORP W EXP 08/03/2027 WARRANTS & RIGHTS 674599162   522 14 SH   SOLE 0 14 0 0
OLIN CORP COMMON STOCK 680665205   20,552 400 SH   DFND 0 400 0 0
OMNICOM GROUP INC COMMON STOCK 681919106   3,704,632 38,935 SH   SOLE 0 38,935 0 0
OMNICOM GROUP INC COMMON STOCK 681919106   189,344 1,990 SH   DFND 0 1,990 0 0
ONEOK INC COMMON STOCK 682680103   24,317 394 SH   SOLE 0 394 0 0
OPEN LENDING CORP COMMON STOCK 68373J104   2,102 200 SH   SOLE 0 200 0 0
ORACLE CORP COMMON STOCK 68389X105   279,861 2,350 SH   SOLE 0 2,350 0 0
ORACLE CORP COMMON STOCK 68389X105   95,272 800 SH   DFND 0 800 0 0
ORANGE SA ADR FOREIGN EQUITIES 684060106   46,560 4,000 SH   DFND 0 4,000 0 0
ORGANON & CO COMMON STOCK 68622V106   8,382 403 SH   SOLE 0 403 0 0
ORGANON & CO COMMON STOCK 68622V106   1,850 89 SH   DFND 0 89 0 0
OTIS WORLDWIDE CORP COMMON STOCK 68902V107   6,675 75 SH   SOLE 0 75 0 0
OTIS WORLDWIDE CORP COMMON STOCK 68902V107   28,928 325 SH   DFND 0 325 0 0
OWENS CORNING COMMON STOCK 690742101   9,787 75 SH   DFND 0 75 0 0
PNC FINL SVCS GROUP INC COMMON STOCK 693475105   1,440,861 11,440 SH   SOLE 0 11,440 0 0
PNC FINL SVCS GROUP INC COMMON STOCK 693475105   57,307 455 SH   DFND 0 455 0 0
PPG INDUSTRIES INC COMMON STOCK 693506107   59,320 400 SH   SOLE 0 400 0 0
PPL CORP COMMON STOCK 69351T106   13,225 500 SH   DFND 0 500 0 0
PAYCHEX INC COMMON STOCK 704326107   22,374 200 SH   SOLE 0 200 0 0
PAYCHEX INC COMMON STOCK 704326107   64,324 575 SH   DFND 0 575 0 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103   13,344 200 SH   SOLE 0 200 0 0
PEOPLES FINL SVCS CORP COMMON STOCK 711040105   53,335 1,218 SH   SOLE 0 1,218 0 0
PEPSICO INC COMMON STOCK 713448108   10,082,379 54,435 SH   SOLE 0 54,435 0 0
PEPSICO INC COMMON STOCK 713448108   1,196,696 6,461 SH   DFND 0 6,461 0 0
PFIZER INC COMMON STOCK 717081103   4,830,876 131,704 SH   SOLE 0 131,704 0 0
PFIZER INC COMMON STOCK 717081103   1,219,566 33,249 SH   DFND 0 33,249 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109   117,144 1,200 SH   SOLE 0 1,200 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109   67,260 689 SH   DFND 0 689 0 0
PHILLIPS 66 COMMON STOCK 718546104   1,636,796 17,161 SH   SOLE 0 17,161 0 0
PHILLIPS 66 COMMON STOCK 718546104   38,151 400 SH   DFND 0 400 0 0
PIMCO ENHANCED SHORT MAT ESG ETF/FIXED INCOME 72201R643   105,253 1,075 SH   SOLE 0 1,075 0 0
PIMCO ENHANCED LOW DURATION ETF/FIXED INCOME 72201R718   93,740 1,000 SH   SOLE 0 1,000 0 0
PIMCO ENHANCED SHORT MATURE ACTIVE ETF ETF/FIXED INCOME 72201R833   99,760 1,000 SH   SOLE 0 1,000 0 0
PLAINS ALL AMERICAN PIPELINE COMMON STOCK 726503105   42,300 3,000 SH   DFND 0 3,000 0 0
PRINCIPAL SPECTRUM PFD SEC ETF/EQUITY 74255Y888   1,998,920 118,000 SH   SOLE 0 118,000 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109   8,450,347 55,690 SH   SOLE 0 55,690 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109   1,156,555 7,622 SH   DFND 0 7,622 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102   5,116 58 SH   SOLE 0 58 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102   18,967 215 SH   DFND 0 215 0 0
PUBLIC SVC ENTERPRISE GROUP COMMON STOCK 744573106   4,071,349 65,028 SH   SOLE 0 65,028 0 0
PUBLIC SVC ENTERPRISE GROUP COMMON STOCK 744573106   874,779 13,972 SH   DFND 0 13,972 0 0
PULTE GROUP INC COMMON STOCK 745867101   16,312 210 SH   DFND 0 210 0 0
QUALCOMM INC COMMON STOCK 747525103   3,088,716 25,947 SH   SOLE 0 25,947 0 0
QUALCOMM INC COMMON STOCK 747525103   333,312 2,800 SH   DFND 0 2,800 0 0
QUEST DIAGNOSTICS INC COMMON STOCK 74834L100   84,336 600 SH   SOLE 0 600 0 0
RADIAN GROUP INC COMMON STOCK 750236101   11,876 470 SH   SOLE 0 470 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101   2,607,186 26,615 SH   SOLE 0 26,615 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101   420,442 4,292 SH   DFND 0 4,292 0 0
REALTY INCOME CORP COMMON STOCK 756109104   19,969 334 SH   SOLE 0 334 0 0
REGULUS THERAPEUTICS INC COMMON STOCK 75915K309   1,014 690 SH   SOLE 0 690 0 0
REPUBLIC SERVICES INC COMMON STOCK 760759100   15,317 100 SH   SOLE 0 100 0 0
RIBBONS COMMUNICATIONS INC COMMON STOCK 762544104   3,892 1,400 SH   SOLE 0 1,400 0 0
ROCKWELL AUTOMATION INC COMMON STOCK 773903109   39,534 120 SH   DFND 0 120 0 0
ROPER INDS INC COMMON STOCK 776696106   304,340 633 SH   SOLE 0 633 0 0
ROYAL BANK OF CANADA FOREIGN EQUITIES 780087102   791,777 8,290 SH   SOLE 0 8,290 0 0
ROYAL BANK OF CANADA FOREIGN EQUITIES 780087102   123,970 1,298 SH   DFND 0 1,298 0 0
S&P GLOBAL INC COMMON STOCK 78409V104   258,574 645 SH   SOLE 0 645 0 0
S&P GLOBAL INC COMMON STOCK 78409V104   152,738 381 SH   DFND 0 381 0 0
SPDR S&P 500 ETF ETF/EQUITY 78462F103   7,686,702 17,341 SH   SOLE 0 17,341 0 0
SPDR S&P 500 ETF ETF/EQUITY 78462F103   299,204 675 SH   DFND 0 675 0 0
SPDR GOLD SHARES ETF/OTHER 78463V107   53,481 300 SH   SOLE 0 300 0 0
SPDR GOLD SHARES ETF/OTHER 78463V107   753,190 4,225 SH   DFND 0 4,225 0 0
SPDR INTERM CORP BOND ETF ETF/FIXED INCOME 78464A375   848,818 26,435 SH   SOLE 0 26,025 0 410
SPDR INTERM CORP BOND ETF ETF/FIXED INCOME 78464A375   27,613 860 SH   DFND 0 860 0 0
SPDR PORTFOLIO S&P500 GROWTH ETF/EQUITY 78464A409   516,810 8,471 SH   SOLE 0 8,471 0 0
SPDR PORTFOLIO S&P 500 VALUE ETF/EQUITY 78464A508   560,649 12,978 SH   SOLE 0 12,978 0 0
SPDR PORTFOLIO S&P 500 ETF/EQUITY 78464A854   935,625 17,955 SH   SOLE 0 17,735 0 220
SPDR PORTFOLIO S&P 500 ETF/EQUITY 78464A854   7,555 145 SH   DFND 0 145 0 0
SPDR BLACKSTONE/GSO SENIOR LOAN ETF ETF/FIXED INCOME 78467V608   270,206 6,455 SH   SOLE 0 6,455 0 0
SPDR BLACKSTONE/GSO SENIOR LOAN ETF ETF/FIXED INCOME 78467V608   8,706 208 SH   DFND 0 208 0 0
SPDR DOUBLELINE TOTAL RETURNTACT ETF ETF/FIXED INCOME 78467V848   4,165,485 102,750 SH   SOLE 0 102,750 0 0
SPDR S&P MIDCAP 400 ETF ETF/EQUITY 78467Y107   6,043,693 12,620 SH   SOLE 0 12,604 16 0
SPDR S&P MIDCAP 400 ETF ETF/EQUITY 78467Y107   116,372 243 SH   DFND 0 243 0 0
SPDR PORTFOLIO SMALLCAP ETF ETF/EQUITY 78468R853   32,547 838 SH   SOLE 0 838 0 0
SALESFORCE INC COMMON STOCK 79466L302   66,335 314 SH   SOLE 0 314 0 0
SLB FOREIGN EQUITIES 806857108   57,360 1,168 SH   SOLE 0 1,168 0 0
SLB FOREIGN EQUITIES 806857108   62,173 1,266 SH   DFND 0 1,266 0 0
SCHWAB US SMALL CAP ETF ETF/EQUITY 808524607   3,000,288 68,516 SH   SOLE 0 68,516 0 0
SCHWAB US SMALL CAP ETF ETF/EQUITY 808524607   267,991 6,120 SH   DFND 0 6,120 0 0
MATERIALS SELECT SECTOR SPDR ETF/EQUITY 81369Y100   190,018 2,293 SH   SOLE 0 2,293 0 0
MATERIALS SELECT SECTOR SPDR ETF/EQUITY 81369Y100   827,456 9,985 SH   DFND 0 9,985 0 0
HEALTH CARE SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y209   446,625 3,365 SH   SOLE 0 3,365 0 0
CONSUMER STAPLES SECTOR SPDR ETF/EQUITY 81369Y308   230,295 3,105 SH   SOLE 0 3,105 0 0
CONSUMER STAPLES SECTOR SPDR ETF/EQUITY 81369Y308   20,023 270 SH   DFND 0 270 0 0
CONSUMER DISCRET SEL SECT SPDR ETF ETF/EQUITY 81369Y407   262,353 1,545 SH   SOLE 0 1,545 0 0
CONSUMER DISCRET SEL SECT SPDR ETF ETF/EQUITY 81369Y407   24,961 147 SH   DFND 0 147 0 0
ENERGY SELECT SECTOR SPDR ETF/EQUITY 81369Y506   2,306,818 28,420 SH   SOLE 0 28,420 0 0
ENERGY SELECT SECTOR SPDR ETF/EQUITY 81369Y506   224,026 2,760 SH   DFND 0 2,760 0 0
SPDR FINANCIAL SELECT SECTOR ETF/EQUITY 81369Y605   103,661 3,076 SH   SOLE 0 3,076 0 0
SPDR INDUSTRIALS (XLI) ETF/EQUITY 81369Y704   111,612 1,040 SH   SOLE 0 1,040 0 0
TECHNOLOGY SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y803   559,128 3,216 SH   SOLE 0 3,216 0 0
TECHNOLOGY SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y803   40,161 231 SH   DFND 0 231 0 0
SELECT SECTOR SPDR TR COMMUNICATION ETF/EQUITY 81369Y852   124,758 1,917 SH   SOLE 0 1,917 0 0
UTILITIES SELECT SECTOR SPDR ETF/EQUITY 81369Y886   220,203 3,365 SH   SOLE 0 3,365 0 0
UTILITIES SELECT SECTOR SPDR ETF/EQUITY 81369Y886   6,544 100 SH   DFND 0 100 0 0
SEMPRA ENERGY COMMON STOCK 816851109   1,580,206 10,854 SH   SOLE 0 10,854 0 0
SEMPRA ENERGY COMMON STOCK 816851109   117,198 805 SH   DFND 0 805 0 0
SIXTH ST SPECIALTY LENDING COMMON STOCK 83012A109   18,680 1,000 SH   SOLE 0 1,000 0 0
JM SMUCKER COMPANY COMMON STOCK 832696405   12,551 85 SH   SOLE 0 85 0 0
JM SMUCKER COMPANY COMMON STOCK 832696405   5,611 38 SH   DFND 0 38 0 0
SNAP ON INC COMMON STOCK 833034101   86,457 300 SH   DFND 0 300 0 0
SNAP INC COMMON STOCK 83304A106   3,552 300 SH   DFND 0 300 0 0
SOFI TECHNOLOGIES COMMON STOCK 83406F102   1,668 200 SH   SOLE 0 200 0 0
SOUTHERN COMPANY COMMON STOCK 842587107   40,674 579 SH   SOLE 0 579 0 0
SOUTHERN COMPANY COMMON STOCK 842587107   91,325 1,300 SH   DFND 0 1,300 0 0
SPROTT PHYSICAL GOLD TRUST ETF/OTHER 85207H104   367,837 24,654 SH   SOLE 0 24,654 0 0
STAG INDL INC COMMON STOCK 85254J102   7,176 200 SH   SOLE 0 200 0 0
STARBUCKS CORP COMMON STOCK 855244109   1,018,224 10,279 SH   SOLE 0 10,279 0 0
STARBUCKS CORP COMMON STOCK 855244109   49,034 495 SH   DFND 0 495 0 0
STATE STREET CORP COMMON STOCK 857477103   58,544 800 SH   DFND 0 800 0 0
STRYKER CORP COMMON STOCK 863667101   1,969,591 6,456 SH   SOLE 0 6,456 0 0
STRYKER CORP COMMON STOCK 863667101   39,355 129 SH   DFND 0 129 0 0
SUBURBAN PROPANE PARTNERS LP COMMON STOCK 864482104   9,768 660 SH   SOLE 0 660 0 0
SUN COMMUNITIES INC COMMON STOCK 866674104   28,831 221 SH   SOLE 0 221 0 0
SUNCOKE ENERGY INC COMMON STOCK 86722A103   1,715 218 SH   DFND 0 218 0 0
SYSCO CORP COMMON STOCK 871829107   190,323 2,565 SH   SOLE 0 2,565 0 0
SYSCO CORP COMMON STOCK 871829107   103,880 1,400 SH   DFND 0 1,400 0 0
TJX COMPANIES COMMON STOCK 872540109   326,864 3,855 SH   SOLE 0 3,855 0 0
TJX COMPANIES COMMON STOCK 872540109   8,733 103 SH   DFND 0 103 0 0
T MOBILE US INC COMMON STOCK 872590104   87,784 632 SH   DFND 0 632 0 0
TARGET CORP COMMON STOCK 87612E106   2,355,581 17,859 SH   SOLE 0 17,859 0 0
TARGET CORP COMMON STOCK 87612E106   121,609 922 SH   DFND 0 922 0 0
TELEDYNE TECHNOLOGIES INC COMMON STOCK 879360105   76,875 187 SH   DFND 0 187 0 0
TENARIS SA ADR FOREIGN EQUITIES 88031M109   29,950 1,000 SH   SOLE 0 1,000 0 0
TERADATA CORP COMMON STOCK 88076W103   5,767 108 SH   DFND 0 108 0 0
TESLA MOTORS INC COMMON STOCK 88160R101   219,353 838 SH   SOLE 0 838 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104   5,348,359 29,710 SH   SOLE 0 29,710 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104   186,318 1,035 SH   DFND 0 1,035 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102   1,539,653 2,951 SH   SOLE 0 2,951 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102   307,831 590 SH   DFND 0 590 0 0
3M COMPANY COMMON STOCK 88579Y101   237,211 2,370 SH   SOLE 0 2,370 0 0
3M COMPANY COMMON STOCK 88579Y101   142,127 1,420 SH   DFND 0 1,420 0 0
TOMPKINS FINANCIAL CORP COMMON STOCK 890110109   111,400 2,000 SH   SOLE 0 2,000 0 0
TOMPKINS FINANCIAL CORP COMMON STOCK 890110109   239,510 4,300 SH   DFND 0 4,300 0 0
TORONTO DOMINION BANK FOREIGN EQUITIES 891160509   643,536 10,378 SH   SOLE 0 10,378 0 0
TORONTO DOMINION BANK FOREIGN EQUITIES 891160509   38,756 625 SH   DFND 0 625 0 0
TOYOTA MOTOR CORP FOREIGN EQUITIES 892331307   96,450 600 SH   DFND 0 600 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109   1,414,443 8,145 SH   SOLE 0 8,145 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109   77,277 445 SH   DFND 0 445 0 0
TRUIST FINANCIAL CORP COMMON STOCK 89832Q109   2,627,392 86,599 SH   SOLE 0 86,599 0 0
TRUIST FINANCIAL CORP COMMON STOCK 89832Q109   148,509 4,895 SH   DFND 0 4,895 0 0
US BANCORP COMMON STOCK 902973304   1,637,087 49,549 SH   SOLE 0 49,549 0 0
US BANCORP COMMON STOCK 902973304   230,783 6,985 SH   DFND 0 6,985 0 0
UNION PACIFIC CORP COMMON STOCK 907818108   1,549,372 7,572 SH   SOLE 0 7,572 0 0
UNION PACIFIC CORP COMMON STOCK 907818108   641,482 3,135 SH   DFND 0 3,135 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106   4,944,730 27,586 SH   SOLE 0 27,586 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106   307,945 1,718 SH   DFND 0 1,718 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102   3,393,288 7,060 SH   SOLE 0 7,060 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102   668,088 1,390 SH   DFND 0 1,390 0 0
VBI VACCINES INC COMMON STOCK 91822J202   928 283 SH   SOLE 0 283 0 0
VANECK VECTORS GOLD MINERS ETF ETF/INTERNATIONAL EQUITY 92189F106   602,200 20,000 SH   DFND 0 20,000 0 0
VANECK VECTORS ETF TR GREEN BD ETF ETF/FIXED INCOME 92189F171   2,329 100 SH   SOLE 0 100 0 0
VANGUARD DIVIDEND APPRECIATION ETF ETF/EQUITY 921908844   1,229,590 7,570 SH   SOLE 0 7,570 0 0
VANGUARD TOTAL INTL STOCK ETF ETF/INTERNATIONAL EQUITY 921909768   211,533 3,772 SH   SOLE 0 3,772 0 0
VANGUARD MEGA CAP GROWTH ETF/EQUITY 921910816   20,002 85 SH   SOLE 0 85 0 0
VANGUARD SHORT TERM BOND ETF ETF/FIXED INCOME 921937827   268,464 3,553 SH   SOLE 0 3,553 0 0
VANGUARD SHORT TERM BOND ETF ETF/FIXED INCOME 921937827   105,784 1,400 SH   DFND 0 1,400 0 0
VANGUARD TOTAL BOND MRKT ETF ETF/FIXED INCOME 921937835   345,273 4,750 SH   SOLE 0 4,625 125 0
VANGUARD TOTAL BOND MRKT ETF ETF/FIXED INCOME 921937835   14,538 200 SH   DFND 0 200 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF/INTERNATIONAL EQUITY 921943858   27,708 600 SH   DFND 0 600 0 0
VANGUARD ULTRA SHORT TERM ETF/FIXED INCOME 92203C303   98,300 2,000 SH   SOLE 0 2,000 0 0
VANGUARD FINANCIALS ETF ETF/EQUITY 92204A405   541,786 6,669 SH   SOLE 0 6,669 0 0
VANGUARD FINANCIALS ETF ETF/EQUITY 92204A405   235,596 2,900 SH   DFND 0 2,900 0 0
VANGUARD INDUSTRIALS ETF ETF/EQUITY 92204A603   10,276 50 SH   SOLE 0 50 0 0
VANGUARD INDUSTRIALS ETF ETF/EQUITY 92204A603   904,332 4,400 SH   DFND 0 4,400 0 0
VANGUARD INFO TECH ETF ETF/EQUITY 92204A702   1,431,678 3,238 SH   SOLE 0 3,238 0 0
VANGUARD INFO TECH ETF ETF/EQUITY 92204A702   161,826 366 SH   DFND 0 366 0 0
VANGUARD UTILITIES ETF ETF/EQUITY 92204A876   66,109 465 SH   SOLE 0 465 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 922042858   1,389,380 34,154 SH   SOLE 0 34,154 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 922042858   217,716 5,352 SH   DFND 0 5,352 0 0
VANGUARD SHORT TERM CORP BOND ETF ETF/FIXED INCOME 92206C409   587,036 7,760 SH   SOLE 0 7,695 65 0
VANGUARD SHORT TERM CORP BOND ETF ETF/FIXED INCOME 92206C409   387,021 5,116 SH   DFND 0 5,116 0 0
VANGUARD INTERM-TERM GOVT BDETF ETF/FIXED INCOME 92206C706   48,678 830 SH   SOLE 0 480 0 350
VANGUARD LONG TERM TREASURY ETF/FIXED INCOME 92206C847   6,668 105 SH   SOLE 0 105 0 0
VANGUARD S&P 500 ETF ETF/EQUITY 922908363   1,090,259 2,677 SH   SOLE 0 2,677 0 0
VANGUARD MIDCAP VALUE ETF ETF/EQUITY 922908512   31,135 225 SH   SOLE 0 225 0 0
VANGUARD MIDCAP VALUE ETF ETF/EQUITY 922908512   48,986 354 SH   DFND 0 354 0 0
VANGUARD MIDCAP GROWTH ETF ETF/EQUITY 922908538   63,582 309 SH   DFND 0 309 0 0
VANGUARD REIT ETF ETF/EQUITY 922908553   723,362 8,657 SH   SOLE 0 8,657 0 0
VANGUARD REIT ETF ETF/EQUITY 922908553   58,742 703 SH   DFND 0 703 0 0
VANGUARD SMALLCAP VALUE ETF ETF/EQUITY 922908611   231,560 1,400 SH   SOLE 0 1,400 0 0
VANGUARD MIDCAP ETF ETF/EQUITY 922908629   120,647 548 SH   SOLE 0 548 0 0
VANGUARD GROWTH ETF ETF/EQUITY 922908736   198,061 700 SH   SOLE 0 700 0 0
VANGUARD GROWTH ETF ETF/EQUITY 922908736   59,701 211 SH   DFND 0 211 0 0
VANGUARD SMALLCAP ETF ETF/EQUITY 922908751   263,528 1,325 SH   SOLE 0 1,325 0 0
VANGUARD TOTAL STOCK MARKET ETF ETF/EQUITY 922908769   88,112 400 SH   SOLE 0 400 0 0
VANGUARD TOTAL STOCK MARKET ETF ETF/EQUITY 922908769   14,089,329 63,961 SH   DFND 0 63,961 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104   6,947,189 186,854 SH   SOLE 0 186,854 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104   1,361,745 36,626 SH   DFND 0 36,626 0 0
VIATRIS INC COMMON STOCK 92556V106   1,606 161 SH   SOLE 0 161 0 0
VIATRIS INC COMMON STOCK 92556V106   5,109 512 SH   DFND 0 512 0 0
VISA INC CLASS A COMMON STOCK 92826C839   2,483,070 10,456 SH   SOLE 0 10,456 0 0
VISA INC CLASS A COMMON STOCK 92826C839   397,540 1,674 SH   DFND 0 1,674 0 0
VM WARE INC COMMON STOCK 928563402   1,724 12 SH   DFND 0 12 0 0
WABTEC CORP COMMON STOCK 929740108   2,522 23 SH   SOLE 0 23 0 0
WABTEC CORP COMMON STOCK 929740108   4,715 43 SH   DFND 0 43 0 0
WAL MART STORES INC COMMON STOCK 931142103   5,911,343 37,609 SH   SOLE 0 37,609 0 0
WAL MART STORES INC COMMON STOCK 931142103   1,075,421 6,842 SH   DFND 0 6,842 0 0
WALGREENS BOOTS ALLIANCE INC COMMON STOCK 931427108   14,240 500 SH   DFND 0 500 0 0
WARNER BROS DISCOVERY INC COMMON STOCK 934423104   4,338 346 SH   SOLE 0 346 0 0
WARNER BROS DISCOVERY INC COMMON STOCK 934423104   17,178 1,370 SH   DFND 0 1,370 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109   581,287 3,352 SH   SOLE 0 3,352 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109   149,138 860 SH   DFND 0 860 0 0
WEBSTER FINANCIAL CORP COMMON STOCK 947890109   17,478 463 SH   DFND 0 463 0 0
WELLS FARGO & CO COMMON STOCK 949746101   21,340 500 SH   SOLE 0 500 0 0
WELLS FARGO & CO COMMON STOCK 949746101   154,715 3,625 SH   DFND 0 3,625 0 0
WEYERHAEUSER CO COMMON STOCK 962166104   53,600 1,600 SH   SOLE 0 1,600 0 0
WILLIAMS COMPANIES INC COMMON STOCK 969457100   326,300 10,000 SH   DFND 0 10,000 0 0
WISDOMTREE US HIGH DIVIDEND ETF ETF/EQUITY 97717W208   1,790,008 22,499 SH   SOLE 0 22,499 0 0
WISDOMTREE US HIGH DIVIDEND ETF ETF/EQUITY 97717W208   7,160 90 SH   DFND 0 90 0 0
WISDOMTREE FLOATING RATE TSY ETF/FIXED INCOME 97717Y527   506,814 10,074 SH   SOLE 0 9,844 0 230
WISDOMTREE FLOATING RATE TSY ETF/FIXED INCOME 97717Y527   12,175 242 SH   DFND 0 242 0 0
WOODSIDE ENERGY GROUP LTD FOREIGN EQUITIES 980228308   1,251 54 SH   DFND 0 54 0 0
SPDR GOLD MINISHARES ETF/OTHER 98149E303   64,674 1,698 SH   SOLE 0 1,698 0 0
SPDR GOLD MINISHARES ETF/OTHER 98149E303   10,474 275 SH   DFND 0 275 0 0
ZIMVIE INC COMMON STOCK 98888T107   89 8 SH   SOLE 0 8 0 0
ZIMVIE INC COMMON STOCK 98888T107   3,098 276 SH   DFND 0 276 0 0
ZEBRA TECHNOLOGIES CORP CL A COMMON STOCK 989207105   19,819 67 SH   DFND 0 67 0 0
ZIMMER HOLDINGS INC COMMON STOCK 98956P102   284,502 1,954 SH   SOLE 0 1,954 0 0
ZIMMER HOLDINGS INC COMMON STOCK 98956P102   256,256 1,760 SH   DFND 0 1,760 0 0