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 34 331 SH   SOLE 0 331 0 0
AMCOR PLC FOREIGN EQUITIES G0250X107 939 91,979 SH   SOLE 0 91,979 0 0
AMCOR PLC FOREIGN EQUITIES G0250X107 109 10,680 SH   DFND 0 10,680 0 0
BROOKFIELD BUSINESS PARTNERSUNIT LTD LP FOREIGN EQUITIES G16234109 1 20 SH   DFND 0 20 0 0
BROOKFIELD PROPERTY PARTNERS FOREIGN EQUITIES G16249107 0 38 SH   DFND 0 38 0 0
BROOKFIELD INFRASTRUCTURE PARTNERS LP FOREIGN EQUITIES G16252101 4 90 SH   SOLE 0 90 0 0
BROOKFIELD INFRASTRUCTURE PARTNERS LP FOREIGN EQUITIES G16252101 2 40 SH   DFND 0 40 0 0
EATON CORP PLC FOREIGN EQUITIES G29183103 17 200 SH   SOLE 0 200 0 0
EATON CORP PLC FOREIGN EQUITIES G29183103 36 408 SH   DFND 0 408 0 0
IHS MARKIT LTD. FOREIGN EQUITIES G47567105 8 107 SH   SOLE 0 107 0 0
LINDE PLC FOREIGN EQUITIES G5494J103 52 243 SH   SOLE 0 243 0 0
MEDTRONIC PLC FOREIGN EQUITIES G5960L103 597 6,507 SH   SOLE 0 6,507 0 0
MEDTRONIC PLC FOREIGN EQUITIES G5960L103 40 440 SH   DFND 0 440 0 0
TRANE TECHNOLOGIES PLC FOREIGN EQUITIES G8994E103 111 1,242 SH   SOLE 0 1,242 0 0
WHITE MTNS INS GROUP LTD COMMON STOCK G9618E107 89 100 SH   DFND 0 100 0 0
CHUBB LTD FOREIGN EQUITIES H1467J104 1,251 9,880 SH   SOLE 0 9,880 0 0
CHUBB LTD FOREIGN EQUITIES H1467J104 184 1,451 SH   DFND 0 1,451 0 0
ABB LTD ADR FOREIGN EQUITIES 000375204 3 150 SH   SOLE 0 150 0 0
AGCO CORP COMMON STOCK 001084102 6 100 SH   DFND 0 100 0 0
ALPS SECTOR DIV DOGS ETF ETF/EQUITY 00162Q858 9 250 SH   SOLE 0 250 0 0
AT&T INC COMMON STOCK 00206R102 7,136 236,122 SH   SOLE 0 236,122 0 0
AT&T INC COMMON STOCK 00206R102 1,608 53,203 SH   DFND 0 53,203 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100 4,110 44,953 SH   SOLE 0 44,953 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100 628 6,870 SH   DFND 0 6,870 0 0
ABBVIE INC COMMON STOCK 00287Y109 5,484 55,852 SH   SOLE 0 55,852 0 0
ABBVIE INC COMMON STOCK 00287Y109 883 8,996 SH   DFND 0 8,996 0 0
ADOBE INC COMMON STOCK 00724F101 576 1,324 SH   SOLE 0 1,324 0 0
AGILENT TECHNOLOGIES INC COMMON STOCK 00846U101 7 76 SH   DFND 0 76 0 0
AGENUS INC COMMON STOCK 00847G705 1 300 SH   SOLE 0 300 0 0
AIR PRODS & CHEMS INC COMMON STOCK 009158106 611 2,530 SH   SOLE 0 2,530 0 0
AIR PRODS & CHEMS INC COMMON STOCK 009158106 290 1,200 SH   DFND 0 1,200 0 0
ALBEMARLE CORP COMMON STOCK 012653101 495 6,415 SH   SOLE 0 6,415 0 0
ALBEMARLE CORP COMMON STOCK 012653101 201 2,600 SH   DFND 0 2,600 0 0
ALLSTATE CORP COMMON STOCK 020002101 10 100 SH   SOLE 0 100 0 0
ALLSTATE CORP COMMON STOCK 020002101 39 400 SH   DFND 0 400 0 0
ALPHABET INC CLASS C COMMON STOCK 02079K107 581 411 SH   SOLE 0 411 0 0
ALPHABET INC CLASS C COMMON STOCK 02079K107 174 123 SH   DFND 0 123 0 0
ALPHABET INC CLASS A COMMON STOCK 02079K305 1,590 1,121 SH   SOLE 0 1,121 0 0
ALPHABET INC CLASS A COMMON STOCK 02079K305 326 230 SH   DFND 0 230 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 489 12,447 SH   SOLE 0 12,447 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 67 1,699 SH   DFND 0 1,699 0 0
AMAZON.COM INC COMMON STOCK 023135106 2,108 764 SH   SOLE 0 764 0 0
AMAZON.COM INC COMMON STOCK 023135106 383 139 SH   DFND 0 139 0 0
AMEREN CORP COMMON STOCK 023608102 176 2,498 SH   SOLE 0 2,498 0 0
AMERICAN ELECTRIC POWER CO COMMON STOCK 025537101 376 4,727 SH   SOLE 0 4,727 0 0
AMERICAN ELECTRIC POWER CO COMMON STOCK 025537101 256 3,219 SH   DFND 0 3,219 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 907 9,524 SH   SOLE 0 9,524 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 15 162 SH   DFND 0 162 0 0
AMERICAN INTL GROUP INC W EXP 01/19/21 WARRANTS & RIGHTS 026874156 0 10 SH   DFND 0 10 0 0
AMERICAN TOWER CORP COMMON STOCK 03027X100 617 2,385 SH   SOLE 0 2,385 0 0
AMERICAN TOWER CORP COMMON STOCK 03027X100 776 3,000 SH   DFND 0 3,000 0 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103 3 25 SH   SOLE 0 25 0 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103 257 2,000 SH   DFND 0 2,000 0 0
AMETEK INC COMMON STOCK 031100100 626 7,000 SH   DFND 0 7,000 0 0
AMGEN INC COMMON STOCK 031162100 1,978 8,386 SH   SOLE 0 8,386 0 0
AMGEN INC COMMON STOCK 031162100 619 2,625 SH   DFND 0 2,625 0 0
ANALOG DEVICES INC COMMON STOCK 032654105 41 336 SH   SOLE 0 336 0 0
ANTHEM INC COMMON STOCK 036752103 563 2,140 SH   SOLE 0 2,140 0 0
APPLE INC COMMON STOCK 037833100 38,927 106,710 SH   SOLE 0 106,710 0 0
APPLE INC COMMON STOCK 037833100 1,084 2,972 SH   DFND 0 2,972 0 0
APPLIED DNA SCIENCES, INC. COMMON STOCK 03815U300 0 1 SH   SOLE 0 1 0 0
ARROW FINANCIAL CORP COMMON STOCK 042744102 195 6,578 SH   SOLE 0 6,578 0 0
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 2,054 13,794 SH   SOLE 0 13,794 0 0
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 628 4,221 SH   DFND 0 4,221 0 0
AVANGRID INC COMMON STOCK 05351W103 5 120 SH   SOLE 0 120 0 0
BCE INC FOREIGN EQUITIES 05534B760 135 3,230 SH   SOLE 0 3,230 0 0
BCE INC FOREIGN EQUITIES 05534B760 14 340 SH   DFND 0 340 0 0
BP PLC ADR FOREIGN EQUITIES 055622104 53 2,260 SH   DFND 0 2,260 0 0
BANK OF AMERICA CORPORATION COMMON STOCK 060505104 626 26,372 SH   SOLE 0 26,372 0 0
BANK OF AMERICA CORPORATION COMMON STOCK 060505104 183 7,721 SH   DFND 0 7,721 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 101 2,611 SH   SOLE 0 2,611 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 14 353 SH   DFND 0 353 0 0
BARRICK GOLD CORP FOREIGN EQUITIES 067901108 5 200 SH   SOLE 0 200 0 0
BAXTER INTERNATIONAL INC COMMON STOCK 071813109 248 2,875 SH   SOLE 0 2,875 0 0
BAXTER INTERNATIONAL INC COMMON STOCK 071813109 13 150 SH   DFND 0 150 0 0
BECTON DICKINSON & CO COMMON STOCK 075887109 816 3,412 SH   SOLE 0 3,412 0 0
BECTON DICKINSON & CO COMMON STOCK 075887109 239 1,000 SH   DFND 0 1,000 0 0
BERKSHIRE HATHAWAY INC B COMMON STOCK 084670702 1,016 5,692 SH   SOLE 0 5,692 0 0
BERKSHIRE HATHAWAY INC B COMMON STOCK 084670702 89 500 SH   DFND 0 500 0 0
BERKSHIRE HILLS BANCORP INC COMMON STOCK 084680107 3 264 SH   DFND 0 264 0 0
BHP GROUP LTD ADR FOREIGN EQUITIES 088606108 577 11,610 SH   SOLE 0 11,610 0 0
BHP GROUP LTD ADR FOREIGN EQUITIES 088606108 134 2,690 SH   DFND 0 2,690 0 0
BIOGEN INC COMMON STOCK 09062X103 214 800 SH   DFND 0 800 0 0
BIONTECH SE ADR FOREIGN EQUITIES 09075V102 10 150 SH   SOLE 0 150 0 0
BIONTECH SE ADR FOREIGN EQUITIES 09075V102 13 200 SH   DFND 0 200 0 0
BLACKBERRY LTD NPV FOREIGN EQUITIES 09228F103 1 250 SH   DFND 0 250 0 0
BLACKROCK INC COMMON STOCK 09247X101 370 680 SH   SOLE 0 680 0 0
BLACKROCK INC COMMON STOCK 09247X101 16 30 SH   DFND 0 30 0 0
BLACKROCK ENHANCED EQT DIV ETF/EQUITY 09251A104 42 5,703 SH   DFND 0 5,703 0 0
BLACKSTONE GROUP INC COMMON STOCK 09260D107 6 100 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 497 2,710 SH   SOLE 0 2,710 0 0
BOEING COMPANY COMMON STOCK 097023105 10 55 SH   DFND 0 55 0 0
BOOKING HLDGS INC COMMON STOCK 09857L108 153 96 SH   SOLE 0 96 0 0
BORGWARNER INC COMMON STOCK 099724106 4 100 SH   DFND 0 100 0 0
BRIDGE BANCORP INC COMMON STOCK 108035106 5 200 SH   SOLE 0 200 0 0
BRIGHTHOUSE FINANCIAL INC COMMON STOCK 10922N103 0 7 SH   SOLE 0 7 0 0
BRISTOL MYERS SQUIBB COMPANY COMMON STOCK 110122108 3,293 56,012 SH   SOLE 0 56,012 0 0
BRISTOL MYERS SQUIBB COMPANY COMMON STOCK 110122108 8,043 136,804 SH   DFND 0 136,804 0 0
BRISTOL MYERS SQUIBB CO CONTINGENT RIGHTS WARRANTS & RIGHTS 110122157 11 3,200 SH   DFND 0 3,200 0 0
BROOKFIELD ASSET MGMT INC CLASS A FOREIGN EQUITIES 112585104 50 1,525 SH   DFND 0 1,525 0 0
BROOKFIELD INFRASTRUCTURE CO FOREIGN EQUITIES 11275Q107 0 9 SH   SOLE 0 9 0 0
BROOKFIELD INFRASTRUCTURE CO FOREIGN EQUITIES 11275Q107 0 4 SH   DFND 0 4 0 0
C H ROBINSON WORLDWIDE INC COMMON STOCK 12541W209 1,185 14,987 SH   SOLE 0 14,987 0 0
C H ROBINSON WORLDWIDE INC COMMON STOCK 12541W209 74 935 SH   DFND 0 935 0 0
CIGNA CORP NEW COMMON STOCK 125523100 131 700 SH   SOLE 0 700 0 0
CIGNA CORP NEW COMMON STOCK 125523100 183 973 SH   DFND 0 973 0 0
CME GROUP INC CL A COMMON STOCK 12572Q105 184 1,134 SH   SOLE 0 1,134 0 0
CME GROUP INC CL A COMMON STOCK 12572Q105 7 40 SH   DFND 0 40 0 0
CSX CORP COMMON STOCK 126408103 23 335 SH   SOLE 0 335 0 0
CSX CORP COMMON STOCK 126408103 1,325 19,000 SH   DFND 0 19,000 0 0
CVS HEALTH CORP COMMON STOCK 126650100 2,012 30,968 SH   SOLE 0 30,968 0 0
CVS HEALTH CORP COMMON STOCK 126650100 131 2,015 SH   DFND 0 2,015 0 0
CANADIAN PAC RY LTD FOREIGN EQUITIES 13645T100 357 1,400 SH   SOLE 0 1,400 0 0
CANOPY GROWTH CORP COMMON STOCK 138035100 1 35 SH   SOLE 0 35 0 0
CAPITAL ONE FINANCIAL COMMON STOCK 14040H105 45 723 SH   SOLE 0 723 0 0
CARA THERAPEUTICS INC COMMON STOCK 140755109 12 675 SH   SOLE 0 675 0 0
CARRIER GLOBAL CORPORATION COMMON STOCK 14448C104 328 14,770 SH   SOLE 0 14,770 0 0
CARRIER GLOBAL CORPORATION COMMON STOCK 14448C104 40 1,801 SH   DFND 0 1,801 0 0
CATERPILLAR INC COMMON STOCK 149123101 2,024 16,003 SH   SOLE 0 16,003 0 0
CATERPILLAR INC COMMON STOCK 149123101 258 2,037 SH   DFND 0 2,037 0 0
CEL SCI CORP COMMON STOCK 150837607 75 5,000 SH   SOLE 0 5,000 0 0
CENTENNIAL RESOURCE DEV INC COMMON STOCK 15136A102 0 200 SH   DFND 0 200 0 0
THE CHEMOURS CO COMMON STOCK 163851108 6 360 SH   DFND 0 360 0 0
CHEVRON CORP COMMON STOCK 166764100 3,145 35,252 SH   SOLE 0 35,252 0 0
CHEVRON CORP COMMON STOCK 166764100 495 5,550 SH   DFND 0 5,550 0 0
CHURCH & DWIGHT CO INC COMMON STOCK 171340102 155 2,000 SH   DFND 0 2,000 0 0
CINCINNATI FINL CORP COMMON STOCK 172062101 4 60 SH   SOLE 0 60 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 6,561 140,694 SH   SOLE 0 140,694 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 1,509 32,357 SH   DFND 0 32,357 0 0
CITIGROUP INC COMMON STOCK 172967424 38 737 SH   SOLE 0 737 0 0
CITIGROUP INC COMMON STOCK 172967424 5 100 SH   DFND 0 100 0 0
COCA COLA COMPANY COMMON STOCK 191216100 6,168 138,049 SH   SOLE 0 138,049 0 0
COCA COLA COMPANY COMMON STOCK 191216100 872 19,514 SH   DFND 0 19,514 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 900 12,288 SH   SOLE 0 12,288 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 505 6,896 SH   DFND 0 6,896 0 0
COMCAST CORP CLASS A COMMON STOCK 20030N101 2,178 55,887 SH   SOLE 0 55,887 0 0
COMCAST CORP CLASS A COMMON STOCK 20030N101 164 4,219 SH   DFND 0 4,219 0 0
COMMUNITY BK SYS INC COMMON STOCK 203607106 228 3,942 SH   SOLE 0 3,942 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 767 18,264 SH   SOLE 0 18,264 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 221 5,248 SH   DFND 0 5,248 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 287 3,985 SH   SOLE 0 3,985 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 83 1,155 SH   DFND 0 1,155 0 0
CONSTELLATION BRANDS INC CLASS A COMMON STOCK 21036P108 252 1,441 SH   SOLE 0 1,441 0 0
CONSTELLATION BRANDS INC CLASS A COMMON STOCK 21036P108 175 1,000 SH   DFND 0 1,000 0 0
COOPER COMPANIES INC COMMON STOCK 216648402 85 300 SH   DFND 0 300 0 0
CORNING INC COMMON STOCK 219350105 703 27,157 SH   SOLE 0 27,157 0 0
CORNING INC COMMON STOCK 219350105 58 2,250 SH   DFND 0 2,250 0 0
CORTEVA INC COMMON STOCK 22052L104 289 10,781 SH   SOLE 0 10,781 0 0
CORTEVA INC COMMON STOCK 22052L104 29 1,098 SH   DFND 0 1,098 0 0
COSTCO COMMON STOCK 22160K105 139 458 SH   SOLE 0 458 0 0
COSTCO COMMON STOCK 22160K105 17 55 SH   DFND 0 55 0 0
CRESTWOOD EQUITY PARTNERS LP COMMON STOCK 226344208 0 22 SH   DFND 0 22 0 0
CUMMINS INC COMMON STOCK 231021106 2,076 11,984 SH   SOLE 0 11,984 0 0
CUMMINS INC COMMON STOCK 231021106 542 3,130 SH   DFND 0 3,130 0 0
DANAHER CORP COMMON STOCK 235851102 231 1,304 SH   SOLE 0 1,304 0 0
DARDEN RESTAURANTS INC COMMON STOCK 237194105 8 100 SH   DFND 0 100 0 0
DEERE & COMPANY COMMON STOCK 244199105 76 486 SH   SOLE 0 486 0 0
DEERE & COMPANY COMMON STOCK 244199105 16 100 SH   DFND 0 100 0 0
DELL TECHNOLOGIES INC COMMON STOCK 24703L202 8 146 SH   SOLE 0 146 0 0
DENTSPLY SIRONA INC COMMON STOCK 24906P109 18 414 SH   SOLE 0 414 0 0
DIAMONDBACK ENERGY, INC. COMMON STOCK 25278X109 11 257 SH   SOLE 0 257 0 0
DIGI INTL INC COM COMMON STOCK 253798102 5 400 SH   DFND 0 400 0 0
WALT DISNEY CO COMMON STOCK 254687106 4,151 37,227 SH   SOLE 0 37,227 0 0
WALT DISNEY CO COMMON STOCK 254687106 272 2,443 SH   DFND 0 2,443 0 0
DISCOVER FINANCIAL SERVICES COMMON STOCK 254709108 6 125 SH   SOLE 0 125 0 0
DOLLAR GENERAL CORP COMMON STOCK 256677105 401 2,105 SH   SOLE 0 2,105 0 0
DOLLAR GENERAL CORP COMMON STOCK 256677105 57 300 SH   DFND 0 300 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109 3,684 45,387 SH   SOLE 0 45,387 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109 1,174 14,456 SH   DFND 0 14,456 0 0
DORCHESTER MINERALS LP COMMON STOCK 25820R105 777 60,760 SH   SOLE 0 60,760 0 0
DORCHESTER MINERALS LP COMMON STOCK 25820R105 1 100 SH   DFND 0 100 0 0
DOW INC COMMON STOCK 260557103 2,195 53,873 SH   SOLE 0 53,873 0 0
DOW INC COMMON STOCK 260557103 259 6,344 SH   DFND 0 6,344 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204 343 4,288 SH   SOLE 0 4,288 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204 94 1,172 SH   DFND 0 1,172 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102 1,701 32,024 SH   SOLE 0 32,024 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102 274 5,156 SH   DFND 0 5,156 0 0
EOG RESOURCES INC COMMON STOCK 26875P101 92 1,820 SH   SOLE 0 1,820 0 0
EOG RESOURCES INC COMMON STOCK 26875P101 4 80 SH   DFND 0 80 0 0
EPR PROPERTIES COMMON STOCK 26884U109 2 70 SH   SOLE 0 70 0 0
ETFMG PRIME MOBILE PAYMENTS ETF/EQUITY 26924G409 2,318 47,270 SH   SOLE 0 47,105 0 165
ETFMG PRIME MOBILE PAYMENTS ETF/EQUITY 26924G409 13 270 SH   DFND 0 270 0 0
EASTMAN CHEMICAL CO COMMON STOCK 277432100 204 2,933 SH   SOLE 0 2,933 0 0
ECOLAB INC COMMON STOCK 278865100 192 964 SH   SOLE 0 964 0 0
ECOLAB INC COMMON STOCK 278865100 149 750 SH   DFND 0 750 0 0
EDISON INTL COMMON STOCK 281020107 168 3,097 SH   DFND 0 3,097 0 0
EMERSON ELECTRIC CO COMMON STOCK 291011104 2,867 46,226 SH   SOLE 0 46,226 0 0
EMERSON ELECTRIC CO COMMON STOCK 291011104 341 5,491 SH   DFND 0 5,491 0 0
ENBRIDGE INC FOREIGN EQUITIES 29250N105 368 12,103 SH   SOLE 0 12,103 0 0
ENBRIDGE INC FOREIGN EQUITIES 29250N105 105 3,468 SH   DFND 0 3,468 0 0
ENERGY TRANSFER EQUITY LP COMMON STOCK 29273V100 9 1,282 SH   DFND 0 1,282 0 0
ENTERPRISE PRODS PARTNERS LP COMMON STOCK 293792107 51 2,798 SH   SOLE 0 2,798 0 0
EQUIFAX INC COMMON STOCK 294429105 688 4,000 SH   DFND 0 4,000 0 0
ESSENTIAL UTILITIES INC COMMON STOCK 29670G102 295 6,980 SH   SOLE 0 6,980 0 0
ESSENTIAL UTILITIES INC COMMON STOCK 29670G102 43 1,025 SH   DFND 0 1,025 0 0
EVERSOURCE ENERGY COMMON STOCK 30040W108 9 103 SH   SOLE 0 103 0 0
EXELON CORP COMMON STOCK 30161N101 1,443 39,771 SH   SOLE 0 39,771 0 0
EXELON CORP COMMON STOCK 30161N101 297 8,175 SH   DFND 0 8,175 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102 4,346 97,184 SH   SOLE 0 97,184 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102 750 16,768 SH   DFND 0 16,768 0 0
FNCB BANCORP INC COMMON STOCK 302578109 6 1,084 SH   SOLE 0 1,084 0 0
FACEBOOK INC CLASS A COMMON STOCK 30303M102 64 280 SH   SOLE 0 280 0 0
FACEBOOK INC CLASS A COMMON STOCK 30303M102 64 283 SH   DFND 0 283 0 0
FASTENAL CO COMMON STOCK 311900104 366 8,552 SH   SOLE 0 8,552 0 0
FASTENAL CO COMMON STOCK 311900104 266 6,200 SH   DFND 0 6,200 0 0
FEDEX CORP COMMON STOCK 31428X106 30 215 SH   SOLE 0 215 0 0
FIDELITY NATL INFORMATION SV COMMON STOCK 31620M106 402 3,000 SH   DFND 0 3,000 0 0
FIFTH THIRD BANCORP COMMON STOCK 316773100 13 655 SH   DFND 0 655 0 0
FIRST TRUST NASDAQ TECH DIV ETF/EQUITY 33738R118 4 100 SH   SOLE 0 100 0 0
FORD MOTOR COMPANY COMMON STOCK 345370860 1 200 SH   SOLE 0 200 0 0
FORD MOTOR COMPANY COMMON STOCK 345370860 12 2,000 SH   DFND 0 2,000 0 0
FORTUNE BRANDS HOME & SEC COMMON STOCK 34964C106 13 200 SH   SOLE 0 200 0 0
FRANCO NEVADA CORP FOREIGN EQUITIES 351858105 18 132 SH   DFND 0 132 0 0
FRESENIUS MEDICAL CARE AG & CO KGAA FOREIGN EQUITIES 358029106 4 100 SH   DFND 0 100 0 0
GW PHARMACEUTICALS COMMON STOCK 36197T103 4 30 SH   SOLE 0 30 0 0
GABELLI MULTIMEDIA TR INC MUTUAL FUND LARGE CAP EQUITY 36239Q109 6 898 SH   DFND 0 898 0 0
GABELLI EQUITY TR INC - GAB MUTUAL FUND LARGE CAP EQUITY 362397101 5 1,000 SH   DFND 0 1,000 0 0
GABELLI UTILITY TRUST MUTUAL FUNDS MID CAP EQUITY 36240A101 6 866 SH   DFND 0 866 0 0
ARTHUR J GALLAGHER & CO COMMON STOCK 363576109 15 150 SH   DFND 0 150 0 0
GAP INC DEL COMMON STOCK 364760108 34 2,700 SH   SOLE 0 2,700 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 865 5,789 SH   SOLE 0 5,789 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 23 157 SH   DFND 0 157 0 0
GENERAL ELECTRIC CO COMMON STOCK 369604103 274 40,165 SH   SOLE 0 40,165 0 0
GENERAL ELECTRIC CO COMMON STOCK 369604103 80 11,728 SH   DFND 0 11,728 0 0
GENERAL MILLS INC COMMON STOCK 370334104 2,141 34,728 SH   SOLE 0 34,728 0 0
GENERAL MILLS INC COMMON STOCK 370334104 516 8,370 SH   DFND 0 8,370 0 0
GENERAL MOTORS CO COMMON STOCK 37045V100 0 8 SH   SOLE 0 8 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 883 11,482 SH   SOLE 0 11,482 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 215 2,800 SH   DFND 0 2,800 0 0
GLAXOSMITHKLINE PLC ADR FOREIGN EQUITIES 37733W105 52 1,275 SH   SOLE 0 1,275 0 0
GLOBAL X ROBOTICS & AI ETF ETF/INTERNATIONAL EQUITY 37954Y715 1,637 68,590 SH   SOLE 0 68,330 0 260
GLOBAL X ROBOTICS & AI ETF ETF/INTERNATIONAL EQUITY 37954Y715 4 155 SH   DFND 0 155 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 291 1,471 SH   SOLE 0 1,471 0 0
HARLEY DAVIDSON INC COMMON STOCK 412822108 5 200 SH   SOLE 0 200 0 0
HEALTHCARE TR AMER COMMON STOCK 42225P501 5 175 SH   SOLE 0 175 0 0
HERSHEY CO COMMON STOCK 427866108 563 4,345 SH   SOLE 0 4,345 0 0
HERSHEY CO COMMON STOCK 427866108 183 1,410 SH   DFND 0 1,410 0 0
HOME DEPOT INC COMMON STOCK 437076102 2,300 9,181 SH   SOLE 0 9,181 0 0
HOME DEPOT INC COMMON STOCK 437076102 417 1,666 SH   DFND 0 1,666 0 0
HONEYWELL INTL INC COMMON STOCK 438516106 1,219 8,429 SH   SOLE 0 8,429 0 0
HONEYWELL INTL INC COMMON STOCK 438516106 37 259 SH   DFND 0 259 0 0
IDEX CORP COMMON STOCK 45167R104 93 591 SH   SOLE 0 591 0 0
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109 3,499 20,013 SH   SOLE 0 20,013 0 0
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109 618 3,533 SH   DFND 0 3,533 0 0
INCYTE CORP COMMON STOCK 45337C102 10 100 SH   SOLE 0 100 0 0
INFINITY PHARMACEUTICALS INC COMMON STOCK 45665G303 22 24,000 SH   SOLE 0 24,000 0 0
INFUSYSTEMS HOLDINGS INC COMMON STOCK 45685K102 35 3,000 SH   SOLE 0 3,000 0 0
INGERSOLL RAND INC FOREIGN EQUITIES 45687V106 31 1,095 SH   SOLE 0 1,095 0 0
INTEL CORP COMMON STOCK 458140100 8,827 147,530 SH   SOLE 0 147,530 0 0
INTEL CORP COMMON STOCK 458140100 1,623 27,119 SH   DFND 0 27,119 0 0
INTERCONTINENTALEXCHANGE GRP COMMON STOCK 45866F104 42 463 SH   SOLE 0 463 0 0
INTL BUSINESS MACHINES CORP COMMON STOCK 459200101 5,491 45,469 SH   SOLE 0 45,469 0 0
INTL BUSINESS MACHINES CORP COMMON STOCK 459200101 9,364 77,532 SH   DFND 0 77,532 0 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103 5 156 SH   DFND 0 156 0 0
INVESCO ACTIVELY MANAGD ETF ULTRA SHRT DUR ETF/FIXED INCOME 46090A887 2,926 58,030 SH   SOLE 0 57,830 0 200
INVESCO ACTIVELY MANAGD ETF ULTRA SHRT DUR ETF/FIXED INCOME 46090A887 8 150 SH   DFND 0 150 0 0
INVESCO QQQ TRUST ETF/EQUITY 46090E103 1,721 6,950 SH   SOLE 8 6,942 8 0
INVESCO QQQ TRUST ETF/EQUITY 46090E103 104 420 SH   DFND 0 420 0 0
INVESCO EXCHANGE TRADED FD TR WILDERHIL CLAN ETF/EQUITY 46137V134 13 323 SH   DFND 0 323 0 0
INVESCO EXCHANGE TRADED FD TWATER RES ETF ETF/EQUITY 46137V142 2 50 SH   SOLE 0 50 0 0
INVESCO FTSE RAFI US1000 ETF ETF/EQUITY 46137V613 12 112 SH   SOLE 0 112 0 0
INVESCO EXCH TRADED FD TR IINATL AMT MUNI ETF/EQUITY 46138E537 33 1,250 SH   SOLE 0 1,250 0 0
INVESCO KBW BANK ETF ETF/EQUITY 46138E628 63 1,650 SH   SOLE 0 1,650 0 0
INVESCO VARIABLE RATE PFD ETF/EQUITY 46138G870 1,523 65,000 SH   SOLE 0 65,000 0 0
INVESCO VARIABLE RATE PFD ETF/EQUITY 46138G870 19 800 SH   DFND 0 800 0 0
INVESCO BULLETSHARES 21 CORPBOND ETF ETF/FIXED INCOME 46138J700 14 670 SH   DFND 0 670 0 0
INVESCO BULLETSHS CORP 2023 ETF/FIXED INCOME 46138J866 9 430 SH   SOLE 0 430 0 0
IQVIA HLDGS INC COMMON STOCK 46266C105 63 441 SH   SOLE 0 441 0 0
IRIDIUM COMMUNICATIONS INC COMMON STOCK 46269C102 5 200 SH   DFND 0 200 0 0
ISHARES SILVER TRUST ETF/OTHER 46428Q109 13 750 SH   SOLE 0 750 0 0
ISHARES SILVER TRUST ETF/OTHER 46428Q109 32 1,872 SH   DFND 0 1,872 0 0
ISHARES GOLD TRUST ETF/OTHER 464285105 6,586 387,843 SH   SOLE 0 387,543 0 300
ISHARES GOLD TRUST ETF/OTHER 464285105 7 405 SH   DFND 0 405 0 0
ISHARES MSCI CANADA ETF ETF/INTERNATIONAL EQUITY 464286509 219 8,459 SH   SOLE 0 8,459 0 0
ISHARES MSCI MIN VOL EMERGE MARKETS ETF ETF/INTERNATIONAL EQUITY 464286533 2,115 40,675 SH   SOLE 0 40,625 0 50
ISHARES MSCI MIN VOL EMERGE MARKETS ETF ETF/INTERNATIONAL EQUITY 464286533 2 30 SH   DFND 0 30 0 0
ISHARES CORE S&P TOTAL US STOCK MKT ETF ETF/EQUITY 464287150 8 120 SH   SOLE 0 120 0 0
ISHARES SELECT DIVIDEND ETF ETF/EQUITY 464287168 81 1,008 SH   SOLE 0 1,008 0 0
ISHARES TIPS BOND ETF ETF/FIXED INCOME 464287176 521 4,236 SH   SOLE 0 4,236 0 0
ISHARES TIPS BOND ETF ETF/FIXED INCOME 464287176 52 425 SH   DFND 0 425 0 0
ISHARES CORE S&P 500 ETF ETF/EQUITY 464287200 39,938 128,962 SH   SOLE 0 128,933 29 0
ISHARES CORE S&P 500 ETF ETF/EQUITY 464287200 148 478 SH   DFND 0 478 0 0
ISHARES CORE US AGGREGATE BOND ETF ETF/FIXED INCOME 464287226 69 584 SH   SOLE 0 533 51 0
ISHARES CORE US AGGREGATE BOND ETF ETF/FIXED INCOME 464287226 22 187 SH   DFND 0 187 0 0
ISHARES MSCI EMERGING MKTS ETF ETF/INTERNATIONAL EQUITY 464287234 324 8,100 SH   SOLE 0 8,100 0 0
ISHARES MSCI EMERGING MKTS ETF ETF/INTERNATIONAL EQUITY 464287234 6 140 SH   DFND 0 140 0 0
ISHARES IBOXX $ INVMT GRADE CORP BOND ETF ETF/FIXED INCOME 464287242 178 1,321 SH   SOLE 0 1,321 0 0
ISHARES IBOXX $ INVMT GRADE CORP BOND ETF ETF/FIXED INCOME 464287242 57 425 SH   DFND 0 425 0 0
ISHARES GLOBAL COMM SVCS ETF ETF/INTERNATIONAL EQUITY 464287275 14 235 SH   SOLE 0 235 0 0
ISHARES S&P 500 GROWTH ETF ETF/EQUITY 464287309 673 3,245 SH   SOLE 0 3,245 0 0
ISHARES S&P 500 GROWTH ETF ETF/EQUITY 464287309 12 60 SH   DFND 0 60 0 0
ISHARES GLOBAL HEALTHCARE ETF/EQUITY 464287325 36 520 SH   SOLE 0 520 0 0
ISHARES S&P 500 VALUE ETF ETF/EQUITY 464287408 615 5,685 SH   SOLE 0 5,685 0 0
ISHARES S&P 500 VALUE ETF ETF/EQUITY 464287408 11 105 SH   DFND 0 105 0 0
ISHARES 7-10 YEAR TSY BOND ETF/FIXED INCOME 464287440 843 6,915 SH   SOLE 0 6,775 0 140
ISHARES 7-10 YEAR TSY BOND ETF/FIXED INCOME 464287440 12 100 SH   DFND 0 100 0 0
ISHARES 1-3 YR TREASURY BONDETF ETF/FIXED INCOME 464287457 10 116 SH   SOLE 0 116 0 0
ISHARES 1-3 YR TREASURY BONDETF ETF/FIXED INCOME 464287457 26 300 SH   DFND 0 300 0 0
ISHARES MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 464287465 2,239 36,794 SH   SOLE 0 36,794 0 0
ISHARES MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 464287465 1,111 18,257 SH   DFND 0 18,257 0 0
ISHARES RUSSELL MIDCAP VALUE ETF/EQUITY 464287473 3,335 43,582 SH   SOLE 0 43,582 0 0
ISHARES RUSSELL MIDCAP VALUE ETF/EQUITY 464287473 155 2,025 SH   DFND 0 2,025 0 0
ISHARES RUSSELL MID GROWTH ETF/EQUITY 464287481 7 45 SH   SOLE 0 45 0 0
ISHARES CORE S&P MIDCAP ETF ETF/EQUITY 464287507 8,527 47,953 SH   SOLE 0 47,928 0 25
ISHARES CORE S&P MIDCAP ETF ETF/EQUITY 464287507 126 711 SH   DFND 0 711 0 0
ISHARES NASDAQ BIOTECHNOLOGYETF ETF/EQUITY 464287556 43 316 SH   SOLE 0 316 0 0
ISHARES RUSSELL 1000 VALUE ETF/EQUITY 464287598 2,493 22,137 SH   SOLE 0 21,977 0 160
ISHARES RUSSELL 1000 VALUE ETF/EQUITY 464287598 1,485 13,185 SH   DFND 0 13,185 0 0
ISHARES S&P MIDCAP 400 GROWTH ETF ETF/EQUITY 464287606 380 1,695 SH   SOLE 0 1,695 0 0
ISHARES S&P MIDCAP 400 GROWTH ETF ETF/EQUITY 464287606 34 150 SH   DFND 0 150 0 0
ISHARES RUSSELL 1000 GROWTH ETF ETF/EQUITY 464287614 4,916 25,611 SH   SOLE 0 25,506 0 105
ISHARES RUSSELL 1000 GROWTH ETF ETF/EQUITY 464287614 3,010 15,682 SH   DFND 0 15,682 0 0
ISHARES RUSSELL 2000 VALUE ETF/EQUITY 464287630 20 209 SH   DFND 0 209 0 0
ISHARES RUSSELL 2000 GROWTH ETF ETF/EQUITY 464287648 6 30 SH   SOLE 0 30 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 757 5,288 SH   SOLE 0 5,288 0 0
ISHARES RUSSELL 2000 ETF ETF/EQUITY 464287655 93 649 SH   DFND 0 649 0 0
ISHARES US TELECOM ETF ETF/EQUITY 464287713 2 72 SH   SOLE 0 72 0 0
ISHARES US REAL ESTATE ETF/EQUITY 464287739 148 1,881 SH   SOLE 0 1,881 0 0
ISHARES CORE S&P SMALLCAP ETF ETF/EQUITY 464287804 7,234 105,926 SH   SOLE 0 105,866 0 60
ISHARES CORE S&P SMALLCAP ETF ETF/EQUITY 464287804 1,884 27,591 SH   DFND 0 27,591 0 0
ISHARES MSCI ACWI EX US ETF ETF/INTERNATIONAL EQUITY 464288240 259 6,000 SH   SOLE 0 6,000 0 0
ISHARES MSCI EAFE SMALLCAP ETF ETF/INTERNATIONAL EQUITY 464288273 1 25 SH   SOLE 0 25 0 0
ISHARES NEW YORK MUNI BOND ETF/FIXED INCOME 464288323 354 6,148 SH   SOLE 0 6,148 0 0
ISHARES NATIONAL MUNI BOND ETF ETF/FIXED INCOME 464288414 58 500 SH   SOLE 0 500 0 0
ISHARES IBOXX $ HIGH YIELD CORP BOND ETF ETF/FIXED INCOME 464288513 37 457 SH   SOLE 0 399 58 0
ISHARES IBOXX $ HIGH YIELD CORP BOND ETF ETF/FIXED INCOME 464288513 99 1,212 SH   DFND 0 1,212 0 0
ISHARES INTERM GOVT/CREDIT BOND ETF - GVI ETF/FIXED INCOME 464288612 72 610 SH   SOLE 0 566 44 0
ISHARES INTERMEDIATE CREDIT BOND ETF ETF/FIXED INCOME 464288638 374 6,192 SH   SOLE 0 6,114 78 0
ISHARES INTERMEDIATE CREDIT BOND ETF ETF/FIXED INCOME 464288638 150 2,491 SH   DFND 0 2,491 0 0
ISHARES SHORT TERM CORP BOND ETF/FIXED INCOME 464288646 186 3,407 SH   SOLE 0 3,407 0 0
ISHARES SHORT TERM CORP BOND ETF/FIXED INCOME 464288646 220 4,028 SH   DFND 0 4,028 0 0
ISHARES US PREFERRED STOCK ETF/OTHER 464288687 485 13,996 SH   SOLE 0 13,996 0 0
ISHARES US PREFERRED STOCK ETF/OTHER 464288687 9 270 SH   DFND 0 270 0 0
ISHARES FLOATING RATE BOND ETF/FIXED INCOME 46429B655 1,897 37,500 SH   SOLE 0 37,500 0 0
ISHARES CORE HIGH DIVIDEND ETF/EQUITY 46429B663 72 890 SH   SOLE 0 890 0 0
ISHARES CORE HIGH DIVIDEND ETF/EQUITY 46429B663 27 330 SH   DFND 0 330 0 0
ISHARES EDGE MSCI MIN VOL EAFE ETF ETF/INTERNATIONAL EQUITY 46429B689 6,043 91,484 SH   SOLE 0 91,364 0 120
ISHARES EDGE MSCI MIN VOL EAFE ETF ETF/INTERNATIONAL EQUITY 46429B689 18 269 SH   DFND 0 269 0 0
ISHARES EDGE MSCI MIN VOL USA ETF ETF/EQUITY 46429B697 17,086 281,804 SH   SOLE 0 281,494 0 310
ISHARES EDGE MSCI MIN VOL USA ETF ETF/EQUITY 46429B697 36 600 SH   DFND 0 600 0 0
ISHARES 0-5 YEAR TIPS BOND ETF (STIP) ETF/FIXED INCOME 46429B747 39 377 SH   SOLE 0 377 0 0
ISHARES 0-5 YEAR TIPS BOND ETF (STIP) ETF/FIXED INCOME 46429B747 3 25 SH   DFND 0 25 0 0
ISHARES CORE MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 46432F842 21,802 381,493 SH   SOLE 0 381,318 0 175
ISHARES CORE MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 46432F842 200 3,497 SH   DFND 0 3,497 0 0
ISHARES TRUST CORE SHORT- TERM US BD ETF(ISTB) ETF/FIXED INCOME 46432F859 111 2,147 SH   SOLE 0 2,112 35 0
ISHARES TRUST CORE SHORT- TERM US BD ETF(ISTB) ETF/FIXED INCOME 46432F859 6 116 SH   DFND 0 116 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 46434G103 5,133 107,855 SH   SOLE 0 107,800 0 55
ISHARES CORE MSCI EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 46434G103 8 165 SH   DFND 0 165 0 0
ISHARES ESG MSCI EM ETF ETF/INTERNATIONAL EQUITY 46434G863 338 10,535 SH   SOLE 0 10,535 0 0
ISHARES 0-5 YR INVMT GR CORP ETF/FIXED INCOME 46434V100 44 835 SH   DFND 0 835 0 0
ISHARES TR ESG MSCI USA ETF (ESGU) ETF/EQUITY 46435G425 17 243 SH   DFND 0 243 0 0
ISHARES EDGE MSCI MIN VOL USSMALLCAP ETF/EQUITY 46435G433 1,541 53,184 SH   SOLE 0 53,184 0 0
ISHARES ESG MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 46435G516 317 5,230 SH   SOLE 0 5,230 0 0
JPMORGAN CHASE & CO COMMON STOCK 46625H100 6,413 68,178 SH   SOLE 0 68,178 0 0
JPMORGAN CHASE & CO COMMON STOCK 46625H100 623 6,624 SH   DFND 0 6,624 0 0
JABIL CIRCUIT INC. COMMON STOCK 466313103 6 200 SH   SOLE 0 200 0 0
JP MORGAN ULTRA SHORT INC ETF/FIXED INCOME 46641Q837 3,242 63,910 SH   SOLE 0 63,710 0 200
JP MORGAN ULTRA SHORT INC ETF/FIXED INCOME 46641Q837 6 120 SH   DFND 0 120 0 0
JACOBS ENGR GROUP INC. COMMON STOCK 469814107 16 194 SH   DFND 0 194 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 8,377 59,565 SH   SOLE 0 59,565 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 2,383 16,945 SH   DFND 0 16,945 0 0
JOUNCE THERAPEUTICS INC COMMON STOCK 481116101 14 2,000 SH   SOLE 0 2,000 0 0
KLA CORPORATION COM NEW COMMON STOCK 482480100 98 506 SH   SOLE 0 506 0 0
KEYCORP COMMON STOCK 493267108 12 957 SH   SOLE 0 957 0 0
KEYCORP COMMON STOCK 493267108 6 500 SH   DFND 0 500 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 183 1,294 SH   SOLE 0 1,294 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 659 4,665 SH   DFND 0 4,665 0 0
KINDER MORGAN INC COMMON STOCK 49456B101 10 646 SH   SOLE 0 646 0 0
KONTOOR BRANDS INC COMMON STOCK 50050N103 1 41 SH   DFND 0 41 0 0
KRAFT HEINZ COMPANY COMMON STOCK 500754106 58 1,822 SH   SOLE 0 1,822 0 0
KRAFT HEINZ COMPANY COMMON STOCK 500754106 81 2,533 SH   DFND 0 2,533 0 0
KRANESHARES CHINA INTERNET ETF/INTERNATIONAL EQUITY 500767306 1,053 17,000 SH   SOLE 0 16,905 0 95
KRANESHARES CHINA INTERNET ETF/INTERNATIONAL EQUITY 500767306 9 150 SH   DFND 0 150 0 0
KROGER COMPANY COMMON STOCK 501044101 13 370 SH   SOLE 0 370 0 0
L3HARRIS TECHNOLOGIES INC COMMON STOCK 502431109 5 30 SH   DFND 0 30 0 0
LAMAR ADVERTISING CO COMMON STOCK 512816109 10 150 SH   SOLE 0 150 0 0
ESTEE LAUDER COMP INC CL A COMMON STOCK 518439104 25 130 SH   SOLE 0 130 0 0
LIBERTY ALL STAR EQUITY FD CLOSED END MUTUAL FUNDS 530158104 41 7,208 SH   DFND 0 7,208 0 0
ELI LILLY AND COMPANY COMMON STOCK 532457108 353 2,151 SH   SOLE 0 2,151 0 0
ELI LILLY AND COMPANY COMMON STOCK 532457108 298 1,816 SH   DFND 0 1,816 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 193 530 SH   SOLE 0 530 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 139 380 SH   DFND 0 380 0 0
LOEWS CORP COMMON STOCK 540424108 45 1,300 SH   DFND 0 1,300 0 0
LOWES COMPANIES INC COMMON STOCK 548661107 3,305 24,458 SH   SOLE 0 24,458 0 0
LOWES COMPANIES INC COMMON STOCK 548661107 170 1,257 SH   DFND 0 1,257 0 0
M & T BANK CORP COMMON STOCK 55261F104 134 1,293 SH   SOLE 0 1,293 0 0
M & T BANK CORP COMMON STOCK 55261F104 839 8,068 SH   DFND 0 8,068 0 0
MAGNA INTERNATIONAL INC FOREIGN EQUITIES 559222401 32 720 SH   SOLE 0 720 0 0
MANULIFE FINL CORP FOREIGN EQUITIES 56501R106 204 15,000 SH   SOLE 0 15,000 0 0
MARATHON OIL CORP COMMON STOCK 565849106 1 145 SH   DFND 0 145 0 0
MARATHON PETROLEUM CORP COMMON STOCK 56585A102 13 344 SH   DFND 0 344 0 0
MARKEL CORPORATION COMMON STOCK 570535104 92 100 SH   DFND 0 100 0 0
MASIMO CORP COMMON STOCK 574795100 8 35 SH   SOLE 0 35 0 0
MASTERCARD INC CLASS A COMMON STOCK 57636Q104 245 830 SH   SOLE 0 830 0 0
MASTERCARD INC CLASS A COMMON STOCK 57636Q104 15 50 SH   DFND 0 50 0 0
MCDONALDS CORP COMMON STOCK 580135101 3,014 16,340 SH   SOLE 0 16,340 0 0
MCDONALDS CORP COMMON STOCK 580135101 493 2,673 SH   DFND 0 2,673 0 0
MCKESSON CORP COMMON STOCK 58155Q103 41 266 SH   SOLE 0 266 0 0
MCKESSON CORP COMMON STOCK 58155Q103 537 3,500 SH   DFND 0 3,500 0 0
MEDICAL PPTYS TRUST INC COMMON STOCK 58463J304 4 200 SH   DFND 0 200 0 0
MERCK & COMPANY INC COMMON STOCK 58933Y105 7,822 101,158 SH   SOLE 0 101,158 0 0
MERCK & COMPANY INC COMMON STOCK 58933Y105 1,445 18,683 SH   DFND 0 18,683 0 0
METTLER-TOLEDO INTL COMMON STOCK 592688105 806 1,000 SH   DFND 0 1,000 0 0
MICROSOFT CORP COMMON STOCK 594918104 14,611 71,794 SH   SOLE 0 71,794 0 0
MICROSOFT CORP COMMON STOCK 594918104 2,168 10,655 SH   DFND 0 10,655 0 0
MID AMER APT CMNTYS INC COMMON STOCK 59522J103 6 50 SH   SOLE 0 50 0 0
MILLER INDUSTRIES INC COMMON STOCK 600551204 31 1,054 SH   SOLE 0 1,054 0 0
MONDELEZ INTL INC CL A COMMON STOCK 609207105 278 5,441 SH   SOLE 0 5,441 0 0
MONDELEZ INTL INC CL A COMMON STOCK 609207105 234 4,575 SH   DFND 0 4,575 0 0
MORGAN STANLEY COMMON STOCK 617446448 358 7,414 SH   SOLE 0 7,414 0 0
MOTOROLA SOLUTIONS INC COMMON STOCK 620076307 7 50 SH   SOLE 0 50 0 0
NBT BANCORP INC COMMON STOCK 628778102 695 22,591 SH   SOLE 0 22,591 0 0
NBT BANCORP INC COMMON STOCK 628778102 991 32,220 SH   DFND 0 32,220 0 0
NATIONAL FUEL GAS COMPANY COMMON STOCK 636180101 50 1,200 SH   SOLE 0 1,200 0 0
NATIONAL FUEL GAS COMPANY COMMON STOCK 636180101 137 3,266 SH   DFND 0 3,266 0 0
NATIONAL GRID PLC ADR FOREIGN EQUITIES 636274409 11 185 SH   DFND 0 185 0 0
NATIONAL OILWELL VARCO INC COMMON STOCK 637071101 1 60 SH   SOLE 0 60 0 0
NATIONAL RETAIL PPTYS INC COMMON STOCK 637417106 11 300 SH   SOLE 0 300 0 0
NEW YORK CMNTY BANCORP INC COMMON STOCK 649445103 2 175 SH   DFND 0 175 0 0
NEXSTAR MEDIA GROUP CLASS A COMMON STOCK 65336K103 4 50 SH   SOLE 0 50 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 2,127 8,856 SH   SOLE 0 8,856 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 1,107 4,610 SH   DFND 0 4,610 0 0
NIKE INC CLASS B COMMON STOCK 654106103 2,618 26,696 SH   SOLE 0 26,696 0 0
NIKE INC CLASS B COMMON STOCK 654106103 183 1,866 SH   DFND 0 1,866 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 1,620 9,229 SH   SOLE 0 9,229 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 211 1,200 SH   DFND 0 1,200 0 0
NORTHROP GRUMMAN CORP COMMON STOCK 666807102 120 390 SH   SOLE 0 390 0 0
NORTHROP GRUMMAN CORP COMMON STOCK 666807102 61 200 SH   DFND 0 200 0 0
NORWOOD FINANCIAL CORP COMMON STOCK 669549107 194 7,825 SH   SOLE 0 7,825 0 0
NOVARTIS AG ADR FOREIGN EQUITIES 66987V109 1,114 12,759 SH   SOLE 0 12,759 0 0
NOVARTIS AG ADR FOREIGN EQUITIES 66987V109 314 3,600 SH   DFND 0 3,600 0 0
NUCOR CORP COMMON STOCK 670346105 1,931 46,647 SH   SOLE 0 46,647 0 0
NUCOR CORP COMMON STOCK 670346105 381 9,207 SH   DFND 0 9,207 0 0
NUVEEN DIVERS DIV & INC FUND CLOSED END MUTUAL FUNDS 6706EP105 43 5,500 SH   SOLE 0 5,500 0 0
NVIDIA CORPORATION COMMON STOCK 67066G104 80 210 SH   SOLE 0 210 0 0
NUTRIEN LTD FOREIGN EQUITIES 67077M108 45 1,400 SH   SOLE 0 1,400 0 0
NUTRIEN LTD FOREIGN EQUITIES 67077M108 4 120 SH   DFND 0 120 0 0
O REILLY AUTOMOTIVE INC NEW COM COMMON STOCK 67103H107 9 21 SH   SOLE 0 21 0 0
OKTA INC CL A COMMON STOCK 679295105 40 200 SH   DFND 0 200 0 0
OLD REPUBLIC INTL CORP COMMON STOCK 680223104 7 400 SH   DFND 0 400 0 0
OMNICOM GROUP INC COMMON STOCK 681919106 1,691 30,969 SH   SOLE 0 30,969 0 0
OMNICOM GROUP INC COMMON STOCK 681919106 97 1,770 SH   DFND 0 1,770 0 0
OMEGA HEALTHCARE INV INC COMMON STOCK 681936100 23 767 SH   SOLE 0 767 0 0
ONEOK INC COMMON STOCK 682680103 13 394 SH   SOLE 0 394 0 0
ORACLE CORP COMMON STOCK 68389X105 635 11,491 SH   SOLE 0 11,491 0 0
ORACLE CORP COMMON STOCK 68389X105 8 140 SH   DFND 0 140 0 0
ORANGE SA ADR FOREIGN EQUITIES 684060106 12 1,000 SH   DFND 0 1,000 0 0
OTIS WORLDWIDE CORP COMMON STOCK 68902V107 422 7,420 SH   SOLE 0 7,420 0 0
OTIS WORLDWIDE CORP COMMON STOCK 68902V107 54 947 SH   DFND 0 947 0 0
PNC FINL SVCS GROUP INC COMMON STOCK 693475105 1,121 10,653 SH   SOLE 0 10,653 0 0
PNC FINL SVCS GROUP INC COMMON STOCK 693475105 6 55 SH   DFND 0 55 0 0
PPG INDUSTRIES INC COMMON STOCK 693506107 342 3,227 SH   SOLE 0 3,227 0 0
PPG INDUSTRIES INC COMMON STOCK 693506107 25 240 SH   DFND 0 240 0 0
PPL CORP COMMON STOCK 69351T106 809 31,308 SH   SOLE 0 31,308 0 0
PPL CORP COMMON STOCK 69351T106 68 2,630 SH   DFND 0 2,630 0 0
PACER BENCHMARK DATA&INFRAS RE SECTOR ETF ETF/EQUITY 69374H741 2,557 71,955 SH   SOLE 0 71,795 0 160
PACER BENCHMARK DATA&INFRAS RE SECTOR ETF ETF/EQUITY 69374H741 7 185 SH   DFND 0 185 0 0
PALO ALTO NETWORKS INC COMMON STOCK 697435105 28 120 SH   SOLE 0 120 0 0
PAYCOM SOFTWARE INC COMMON STOCK 70432V102 62 200 SH   DFND 0 200 0 0
PAYCHEX INC COMMON STOCK 704326107 77 1,014 SH   SOLE 0 1,014 0 0
PAYCHEX INC COMMON STOCK 704326107 51 675 SH   DFND 0 675 0 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103 44 250 SH   SOLE 0 250 0 0
PEOPLES FINL SVCS CORP COMMON STOCK 711040105 47 1,218 SH   SOLE 0 1,218 0 0
PEOPLES UNITED FINANCIAL INC COMMON STOCK 712704105 58 4,976 SH   SOLE 0 4,976 0 0
PEPSICO INC COMMON STOCK 713448108 7,068 53,442 SH   SOLE 0 53,442 0 0
PEPSICO INC COMMON STOCK 713448108 1,639 12,392 SH   DFND 0 12,392 0 0
PFIZER INC COMMON STOCK 717081103 4,513 138,028 SH   SOLE 0 138,028 0 0
PFIZER INC COMMON STOCK 717081103 1,133 34,636 SH   DFND 0 34,636 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109 413 5,892 SH   SOLE 0 5,892 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109 65 929 SH   DFND 0 929 0 0
PHILLIPS 66 COMMON STOCK 718546104 516 7,183 SH   SOLE 0 7,183 0 0
PHILLIPS 66 COMMON STOCK 718546104 244 3,395 SH   DFND 0 3,395 0 0
PIMCO 1-5 YEAR US TIPS ETF/FIXED INCOME 72201R205 55 1,042 SH   DFND 0 1,042 0 0
PIMCO 0-5 YEAR HIGH YIELD CORP BOND ETF ETF/FIXED INCOME 72201R783 7 80 SH   SOLE 0 80 0 0
PIMCO ENHANCED SHORT MATURE ACTIVE ETF ETF/FIXED INCOME 72201R833 71 698 SH   SOLE 0 492 0 206
PINNACLE WEST CPTLCORP COMMON STOCK 723484101 240 3,275 SH   SOLE 0 3,275 0 0
POLARIS INDUSTRIES INC COMMON STOCK 731068102 9 100 SH   SOLE 0 100 0 0
PRINCIPAL SPECTRUM PFD SEC ETF/EQUITY 74255Y888 1,457 15,000 SH   SOLE 0 15,000 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 6,787 56,764 SH   SOLE 0 56,764 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 1,018 8,513 SH   DFND 0 8,513 0 0
PROLOGIS INC COMMON STOCK 74340W103 14 148 SH   SOLE 0 148 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102 260 4,272 SH   SOLE 0 4,272 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102 24 387 SH   DFND 0 387 0 0
PRUDENTIAL PLC ADR FOREIGN EQUITIES 74435K204 2 67 SH   SOLE 0 67 0 0
PUBLIC SVC ENTERPRISE GROUP COMMON STOCK 744573106 3,448 70,163 SH   SOLE 0 70,163 0 0
PUBLIC SVC ENTERPRISE GROUP COMMON STOCK 744573106 986 20,060 SH   DFND 0 20,060 0 0
QUALCOMM INC COMMON STOCK 747525103 1,131 12,402 SH   SOLE 0 12,402 0 0
QUALCOMM INC COMMON STOCK 747525103 46 500 SH   DFND 0 500 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 1,755 28,491 SH   SOLE 0 28,491 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 410 6,662 SH   DFND 0 6,662 0 0
REALTY INCOME CORP COMMON STOCK 756109104 17 284 SH   SOLE 0 284 0 0
REPUBLIC SERVICES INC COMMON STOCK 760759100 8 100 SH   SOLE 0 100 0 0
RIO TINTO PLC ADR FOREIGN EQUITIES 767204100 219 3,900 SH   SOLE 0 3,900 0 0
RIO TINTO PLC ADR FOREIGN EQUITIES 767204100 52 925 SH   DFND 0 925 0 0
ROCKWELL AUTOMATION INC COMMON STOCK 773903109 107 500 SH   SOLE 0 500 0 0
ROCKWELL AUTOMATION INC COMMON STOCK 773903109 37 175 SH   DFND 0 175 0 0
ROPER INDS INC NEW COMMON STOCK 776696106 272 700 SH   DFND 0 700 0 0
ROYAL BANK OF CANADA FOREIGN EQUITIES 780087102 953 14,065 SH   SOLE 0 14,065 0 0
ROYAL BANK OF CANADA FOREIGN EQUITIES 780087102 85 1,250 SH   DFND 0 1,250 0 0
ROYAL DUTCH SHELL PLC CL A FOREIGN EQUITIES 780259206 139 4,265 SH   SOLE 0 4,265 0 0
ROYAL DUTCH SHELL PLC CL A FOREIGN EQUITIES 780259206 3 100 SH   DFND 0 100 0 0
ROYAL GOLD INC COMMON STOCK 780287108 6 48 SH   DFND 0 48 0 0
S&P GLOBAL INC COMMON STOCK 78409V104 329 1,000 SH   DFND 0 1,000 0 0
SPDR S&P 500 ETF ETF/EQUITY 78462F103 6,167 20,001 SH   SOLE 0 20,001 0 0
SPDR S&P 500 ETF ETF/EQUITY 78462F103 820 2,658 SH   DFND 0 2,658 0 0
SPDR GOLD SHARES ETF/OTHER 78463V107 712 4,257 SH   SOLE 0 4,257 0 0
SPDR GOLD SHARES ETF/OTHER 78463V107 822 4,910 SH   DFND 0 4,910 0 0
SPDR S&P INTL DIVIDEND ETF ETF/INTERNATIONAL EQUITY 78463X772 2 75 SH   SOLE 0 75 0 0
SPDR S&P GLOBAL INFRASTRUCTURE ETF ETF/INTERNATIONAL EQUITY 78463X855 2 50 SH   SOLE 0 50 0 0
SPDR INTERM CORP BOND ETF ETF/FIXED INCOME 78464A375 24 650 SH   DFND 0 650 0 0
SPDR PORTFOLIO S&P500 GROWTH ETF/EQUITY 78464A409 824 18,350 SH   SOLE 0 18,350 0 0
SPDR PORTFOLIO S&P 500 VALUE ETF/EQUITY 78464A508 734 25,350 SH   SOLE 0 25,350 0 0
SPDR INTERMEDIATE TREASURY ETF/FIXED INCOME 78464A672 221 6,665 SH   SOLE 0 6,665 0 0
SPDR S&P REGIONAL BANKING ETF/EQUITY 78464A698 4 108 SH   SOLE 0 108 0 0
SPDR S&P DIVIDEND ETF ETF/EQUITY 78464A763 7 80 SH   SOLE 0 80 0 0
SPDR S&P BIOTECH ETF ETF/EQUITY 78464A870 153 1,369 SH   SOLE 0 1,369 0 0
SPDR BLACKSTONE/GSO SENIOR LOAN ETF ETF/FIXED INCOME 78467V608 382 8,797 SH   SOLE 0 8,609 0 188
SPDR BLACKSTONE/GSO SENIOR LOAN ETF ETF/FIXED INCOME 78467V608 31 725 SH   DFND 0 725 0 0
SPDR DOUBLELINE TOTAL RETURNTACT ETF ETF/FIXED INCOME 78467V848 5,338 107,750 SH   SOLE 0 107,750 0 0
SPDR DOUBLELINE TOTAL RETURNTACT ETF ETF/FIXED INCOME 78467V848 40 800 SH   DFND 0 800 0 0
SPDR S&P MIDCAP 400 ETF ETF/EQUITY 78467Y107 4,466 13,765 SH   SOLE 0 13,765 0 0
SPDR S&P MIDCAP 400 ETF ETF/EQUITY 78467Y107 1,964 6,053 SH   DFND 0 6,053 0 0
SPDR 1-3 MO TBILL ETF ETF/FIXED INCOME 78468R663 24 260 SH   SOLE 0 260 0 0
SPDR NUVEEN BBB MUNI BOND ETF ETF/FIXED INCOME 78468R721 32 625 SH   SOLE 0 625 0 0
SPDR NUVEEN BLOOMBERGBARCLAYSHORT TERM MUNI BD ETF/FIXED INCOME 78468R739 50 1,000 SH   SOLE 0 1,000 0 0
SPDR PORTFOLIO SMALLCAP ETF ETF/EQUITY 78468R853 21 800 SH   SOLE 0 800 0 0
SPDR DOUBLELINE SHRT DUR ETF/FIXED INCOME 78470P200 30 600 SH   SOLE 0 600 0 0
SALESFORCE.COM INC COMMON STOCK 79466L302 204 1,089 SH   SOLE 0 1,089 0 0
SALESFORCE.COM INC COMMON STOCK 79466L302 12 66 SH   DFND 0 66 0 0
SAP AG SPON ADR FOREIGN EQUITIES 803054204 45 323 SH   SOLE 0 323 0 0
SCHLUMBERGER LTD FOREIGN EQUITIES 806857108 173 9,424 SH   SOLE 0 9,424 0 0
SCHLUMBERGER LTD FOREIGN EQUITIES 806857108 51 2,783 SH   DFND 0 2,783 0 0
SCHWAB US SMALL CAP ETF ETF/EQUITY 808524607 2,120 32,439 SH   SOLE 0 32,439 0 0
SCHWAB US SMALL CAP ETF ETF/EQUITY 808524607 118 1,802 SH   DFND 0 1,802 0 0
MATERIALS SELECT SECTOR SPDR ETF/EQUITY 81369Y100 142 2,517 SH   SOLE 0 2,517 0 0
MATERIALS SELECT SECTOR SPDR ETF/EQUITY 81369Y100 565 10,027 SH   DFND 0 10,027 0 0
HEALTH CARE SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y209 220 2,200 SH   SOLE 0 2,200 0 0
HEALTH CARE SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y209 13 131 SH   DFND 0 131 0 0
CONSUMER STAPLES SECTOR SPDR ETF/EQUITY 81369Y308 268 4,572 SH   SOLE 0 4,572 0 0
CONSUMER STAPLES SECTOR SPDR ETF/EQUITY 81369Y308 25 418 SH   DFND 0 418 0 0
CONSUMER DISCRET SEL SECT SPDR ETF ETF/EQUITY 81369Y407 200 1,567 SH   SOLE 0 1,567 0 0
CONSUMER DISCRET SEL SECT SPDR ETF ETF/EQUITY 81369Y407 41 322 SH   DFND 0 322 0 0
ENERGY SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y506 432 11,417 SH   SOLE 0 11,417 0 0
ENERGY SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y506 29 768 SH   DFND 0 768 0 0
SPDR FINANCIAL SELECT SECTOR ETF/EQUITY 81369Y605 542 23,421 SH   SOLE 0 23,321 0 100
SPDR FINANCIAL SELECT SECTOR ETF/EQUITY 81369Y605 10 425 SH   DFND 0 425 0 0
SPDR INDUSTRIALS (XLI) ETF/EQUITY 81369Y704 15 218 SH   SOLE 0 218 0 0
SPDR INDUSTRIALS (XLI) ETF/EQUITY 81369Y704 2 25 SH   DFND 0 25 0 0
TECHNOLOGY SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y803 642 6,148 SH   SOLE 0 6,118 0 30
TECHNOLOGY SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y803 770 7,369 SH   DFND 0 7,369 0 0
SELECT SECTOR SPDR TR COMMUNICATION ETF/EQUITY 81369Y852 89 1,652 SH   SOLE 0 1,652 0 0
REAL ESTATE SELECT SECTOR SPDR ETF/OTHER 81369Y860 67 1,933 SH   SOLE 0 1,933 0 0
REAL ESTATE SELECT SECTOR SPDR ETF/OTHER 81369Y860 1 31 SH   DFND 0 31 0 0
UTILITIES SELECT SECTOR SPDR ETF/EQUITY 81369Y886 376 6,668 SH   SOLE 0 6,668 0 0
UTILITIES SELECT SECTOR SPDR ETF/EQUITY 81369Y886 37 664 SH   DFND 0 664 0 0
SEMPRA ENERGY COMMON STOCK 816851109 519 4,430 SH   SOLE 0 4,430 0 0
SEMPRA ENERGY COMMON STOCK 816851109 120 1,020 SH   DFND 0 1,020 0 0
SIERRA WIRELESS INC FOREIGN EQUITIES 826516106 9 1,000 SH   DFND 0 1,000 0 0
SIRIUS XM HOLDINGS INC COMMON STOCK 82968B103 29 5,000 SH   DFND 0 5,000 0 0
SORRENTO THERAPEUTICS INC COMMON STOCK 83587F202 1 200 SH   DFND 0 200 0 0
SOUTHERN COMPANY COMMON STOCK 842587107 862 16,634 SH   SOLE 0 16,634 0 0
SOUTHERN COMPANY COMMON STOCK 842587107 156 3,010 SH   DFND 0 3,010 0 0
SPROTT PHYSICAL GOLD TRUST ETF/OTHER 85207H104 2,575 179,936 SH   SOLE 0 179,702 148 86
SPROTT PHYSICAL GOLD TRUST ETF/OTHER 85207H104 13 919 SH   DFND 0 919 0 0
STANLEY BLACK & DECKER INC COMMON STOCK 854502101 70 500 SH   SOLE 0 500 0 0
STANLEY BLACK & DECKER INC COMMON STOCK 854502101 279 2,000 SH   DFND 0 2,000 0 0
STARBUCKS CORP COMMON STOCK 855244109 712 9,669 SH   SOLE 0 9,669 0 0
STARBUCKS CORP COMMON STOCK 855244109 31 420 SH   DFND 0 420 0 0
STATE STREET CORP COMMON STOCK 857477103 146 2,296 SH   SOLE 0 2,296 0 0
STATE STREET CORP COMMON STOCK 857477103 51 800 SH   DFND 0 800 0 0
STERICYCLE INC COMMON STOCK 858912108 134 2,400 SH   DFND 0 2,400 0 0
STRYKER CORP COMMON STOCK 863667101 1,247 6,920 SH   SOLE 0 6,920 0 0
STRYKER CORP COMMON STOCK 863667101 32 179 SH   DFND 0 179 0 0
SUBURBAN PROPANE PARTNERS LP COMMON STOCK 864482104 9 660 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 41 301 SH   SOLE 0 301 0 0
SUN LIFE FINANCIAL INC FOREIGN EQUITIES 866796105 99 2,700 SH   SOLE 0 2,700 0 0
SUNCOKE ENERGY INC COMMON STOCK 86722A103 1 218 SH   DFND 0 218 0 0
SUNCOR ENERGY INC FOREIGN EQUITIES 867224107 42 2,500 SH   DFND 0 2,500 0 0
SYSCO CORP COMMON STOCK 871829107 1,416 25,912 SH   SOLE 0 25,912 0 0
SYSCO CORP COMMON STOCK 871829107 574 10,495 SH   DFND 0 10,495 0 0
TJX COMPANIES COMMON STOCK 872540109 230 4,554 SH   SOLE 0 4,554 0 0
TJX COMPANIES COMMON STOCK 872540109 14 273 SH   DFND 0 273 0 0
T MOBILE US INC COMMON STOCK 872590104 10 95 SH   SOLE 0 95 0 0
TARGET CORP COMMON STOCK 87612E106 534 4,456 SH   SOLE 0 4,456 0 0
TARGET CORP COMMON STOCK 87612E106 14 117 SH   DFND 0 117 0 0
TARGA RES CORP COMMON STOCK 87612G101 10 500 SH   SOLE 0 500 0 0
TC ENERGY CORP FOREIGN EQUITIES 87807B107 356 8,300 SH   SOLE 0 8,300 0 0
TELEDYNE TECHNOLOGIES INC COMMON STOCK 879360105 58 187 SH   DFND 0 187 0 0
TENARIS SA ADR FOREIGN EQUITIES 88031M109 13 1,000 SH   SOLE 0 1,000 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 3,344 26,335 SH   SOLE 0 26,335 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 375 2,955 SH   DFND 0 2,955 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 459 1,268 SH   SOLE 0 1,268 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 199 550 SH   DFND 0 550 0 0
THOMSON REUTERS CORP FOREIGN EQUITIES 884903709 102 1,500 SH   SOLE 0 1,500 0 0
3M COMPANY COMMON STOCK 88579Y101 4,490 28,783 SH   SOLE 0 28,783 0 0
3M COMPANY COMMON STOCK 88579Y101 539 3,453 SH   DFND 0 3,453 0 0
TOMPKINS FINANCIAL CORP COMMON STOCK 890110109 159 2,450 SH   SOLE 0 2,450 0 0
TOMPKINS FINANCIAL CORP COMMON STOCK 890110109 291 4,500 SH   DFND 0 4,500 0 0
TORONTO DOMINION BANK FOREIGN EQUITIES 891160509 595 13,344 SH   SOLE 0 13,344 0 0
TORONTO DOMINION BANK FOREIGN EQUITIES 891160509 41 925 SH   DFND 0 925 0 0
TOTAL SA ADR FOREIGN EQUITIES 89151E109 49 1,265 SH   SOLE 0 1,265 0 0
TOYOTA MOTOR CORP FOREIGN EQUITIES 892331307 25 200 SH   SOLE 0 200 0 0
TOYOTA MOTOR CORP FOREIGN EQUITIES 892331307 75 600 SH   DFND 0 600 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109 703 6,160 SH   SOLE 0 6,160 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109 50 440 SH   DFND 0 440 0 0
TRUIST FINANCIAL CORP COMMON STOCK 89832Q109 963 25,657 SH   SOLE 0 25,657 0 0
TRUIST FINANCIAL CORP COMMON STOCK 89832Q109 82 2,195 SH   DFND 0 2,195 0 0
TRUSTCO BANK CORP NY COMMON STOCK 898349105 5 842 SH   DFND 0 842 0 0
TWITTER INC COMMON STOCK 90184L102 6 200 SH   SOLE 0 200 0 0
TWITTER INC COMMON STOCK 90184L102 1 22 SH   DFND 0 22 0 0
II-VI INC COMMON STOCK 902104108 9 200 SH   DFND 0 200 0 0
US BANCORP COMMON STOCK 902973304 1,887 51,265 SH   SOLE 0 51,265 0 0
US BANCORP COMMON STOCK 902973304 341 9,265 SH   DFND 0 9,265 0 0
UNION PACIFIC CORP COMMON STOCK 907818108 779 4,607 SH   SOLE 0 4,607 0 0
UNION PACIFIC CORP COMMON STOCK 907818108 192 1,135 SH   DFND 0 1,135 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 2,848 25,616 SH   SOLE 0 25,616 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 222 2,001 SH   DFND 0 2,001 0 0
UNITED STATES STEEL CORP COMMON STOCK 912909108 0 35 SH   DFND 0 35 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 2,095 7,102 SH   SOLE 0 7,102 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 155 525 SH   DFND 0 525 0 0
UNITI GROUP INC COMMON STOCK 91325V108 2 200 SH   DFND 0 200 0 0
VF CORP COMMON STOCK 918204108 811 13,313 SH   SOLE 0 13,313 0 0
VF CORP COMMON STOCK 918204108 30 492 SH   DFND 0 492 0 0
VBI VACCINES INC COMMON STOCK 91822J103 46 15,000 SH   SOLE 0 15,000 0 0
VALLEY NATL BANCORP COMMON STOCK 919794107 120 15,356 SH   SOLE 0 15,356 0 0
VANECK VECTORS GOLD MINERS ETF ETF/INTERNATIONAL EQUITY 92189F106 734 20,000 SH   DFND 0 20,000 0 0
VANECK VECTORS AGRIBUSINESS ETF ETF/EQUITY 92189F700 30 500 SH   SOLE 0 500 0 0
VANECK VECTORS HIGH YLD MUNI ETF/FIXED INCOME 92189H409 44 750 SH   SOLE 0 750 0 0
VANGUARD DIVIDEND APPRECIATION ETF ETF/EQUITY 921908844 928 7,917 SH   SOLE 0 7,917 0 0
VANGUARD DIVIDEND APPRECIATION ETF ETF/EQUITY 921908844 812 6,928 SH   DFND 0 6,928 0 0
VANGUARD TOTAL INTL STOCK ETF ETF/INTERNATIONAL EQUITY 921909768 155 3,162 SH   SOLE 0 3,162 0 0
VANGUARD MEGA CAP GROWTH ETF/EQUITY 921910816 14 85 SH   SOLE 0 85 0 0
VANGUARD INTERM-TERM BOND ETF ETF/FIXED INCOME 921937819 18 190 SH   SOLE 0 190 0 0
VANGUARD SHORT TERM BOND ETF ETF/FIXED INCOME 921937827 904 10,872 SH   SOLE 0 10,552 0 320
VANGUARD SHORT TERM BOND ETF ETF/FIXED INCOME 921937827 151 1,812 SH   DFND 0 1,812 0 0
VANGUARD TOTAL BOND MRKT ETF ETF/FIXED INCOME 921937835 1,085 12,285 SH   SOLE 0 12,285 0 0
VANGUARD TOTAL BOND MRKT ETF ETF/FIXED INCOME 921937835 137 1,552 SH   DFND 0 1,552 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF/INTERNATIONAL EQUITY 921943858 1,072 27,634 SH   SOLE 0 27,634 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF/INTERNATIONAL EQUITY 921943858 174 4,486 SH   DFND 0 4,486 0 0
VANGUARD HIGH DIVIDEND YIELD ETF/EQUITY 921946406 148 1,882 SH   SOLE 0 1,882 0 0
VANGUARD HIGH DIVIDEND YIELD ETF/EQUITY 921946406 28 350 SH   DFND 0 350 0 0
VANGUARD FINANCIALS ETF ETF/EQUITY 92204A405 528 9,225 SH   SOLE 0 9,225 0 0
VANGUARD FINANCIALS ETF ETF/EQUITY 92204A405 154 2,690 SH   DFND 0 2,690 0 0
VANGUARD HEALTH CARE ETF ETF/EQUITY 92204A504 16 81 SH   SOLE 0 81 0 0
VANGUARD HEALTH CARE ETF ETF/EQUITY 92204A504 334 1,732 SH   DFND 0 1,732 0 0
VANGUARD INDUSTRIALS ETF ETF/EQUITY 92204A603 572 4,400 SH   DFND 0 4,400 0 0
VANGUARD INFO TECH ETF ETF/EQUITY 92204A702 954 3,424 SH   SOLE 0 3,424 0 0
VANGUARD INFO TECH ETF ETF/EQUITY 92204A702 947 3,397 SH   DFND 0 3,397 0 0
VANGUARD UTILITIES ETF ETF/EQUITY 92204A876 140 1,135 SH   SOLE 0 1,135 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 922042858 2,254 56,911 SH   SOLE 0 56,290 621 0
VANGUARD FTSE EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 922042858 302 7,620 SH   DFND 0 7,620 0 0
VANGUARD INTL EQUITY INDEX FMSCI EUROPE ETF ETF/INTERNATIONAL EQUITY 922042874 0 6 SH   SOLE 0 6 0 0
VANGUARD INTL EQUITY INDEX FMSCI EUROPE ETF ETF/INTERNATIONAL EQUITY 922042874 4 84 SH   DFND 0 84 0 0
VANGUARD SHORT TERM CORP BOND ETF ETF/FIXED INCOME 92206C409 2,633 31,863 SH   SOLE 0 31,863 0 0
VANGUARD SHORT TERM CORP BOND ETF ETF/FIXED INCOME 92206C409 642 7,763 SH   DFND 0 7,763 0 0
VANGUARD INTERM-TERM GOVT BDETF ETF/FIXED INCOME 92206C706 852 12,075 SH   SOLE 0 11,750 0 325
VANGUARD INTERM-TERM GOVT BDETF ETF/FIXED INCOME 92206C706 35 495 SH   DFND 0 495 0 0
VANGUARD LONG TERM TREASURY ETF/FIXED INCOME 92206C847 198 1,980 SH   SOLE 0 1,940 0 40
VANGUARD LONG TERM TREASURY ETF/FIXED INCOME 92206C847 7 65 SH   DFND 0 65 0 0
VANGUARD INTERM TERM CORP BDETF ETF/FIXED INCOME 92206C870 814 8,560 SH   SOLE 0 8,520 0 40
VANGUARD INTERM TERM CORP BDETF ETF/FIXED INCOME 92206C870 18 190 SH   DFND 0 190 0 0
VARIAN MEDICAL SYSTEMS INC COMMON STOCK 92220P105 20 166 SH   SOLE 0 166 0 0
VANGUARD S&P 500 ETF ETF/EQUITY 922908363 596 2,103 SH   SOLE 0 2,103 0 0
VANGUARD MIDCAP VALUE ETF ETF/EQUITY 922908512 34 354 SH   DFND 0 354 0 0
VANGUARD MIDCAP GROWTH ETF ETF/EQUITY 922908538 51 309 SH   DFND 0 309 0 0
VANGUARD REIT ETF ETF/EQUITY 922908553 1,251 15,937 SH   SOLE 0 15,937 0 0
VANGUARD REIT ETF ETF/EQUITY 922908553 39 496 SH   DFND 0 496 0 0
VANGUARD SMALLCAP GROWTH ETF ETF/EQUITY 922908595 18 88 SH   SOLE 0 88 0 0
VANGUARD SMALLCAP VALUE ETF ETF/EQUITY 922908611 315 2,950 SH   SOLE 0 2,950 0 0
VANGUARD MIDCAP ETF ETF/EQUITY 922908629 120 732 SH   SOLE 0 732 0 0
VANGUARD INDEX FDS EXTEND MKT ETF-VXF ETF/EQUITY 922908652 43 360 SH   SOLE 0 360 0 0
VANGUARD INDEX FDS EXTEND MKT ETF-VXF ETF/EQUITY 922908652 4 35 SH   DFND 0 35 0 0
VANGUARD GROWTH ETF ETF/EQUITY 922908736 24 120 SH   SOLE 0 120 0 0
VANGUARD GROWTH ETF ETF/EQUITY 922908736 220 1,089 SH   DFND 0 1,089 0 0
VANGUARD SMALLCAP ETF ETF/EQUITY 922908751 186 1,275 SH   SOLE 0 1,275 0 0
VANGUARD SMALLCAP ETF ETF/EQUITY 922908751 115 787 SH   DFND 0 787 0 0
VANGUARD TOTAL STOCK MARKET ETF ETF/EQUITY 922908769 10,136 64,757 SH   DFND 0 64,757 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 7,872 142,790 SH   SOLE 0 142,790 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 2,005 36,372 SH   DFND 0 36,372 0 0
VISA INC CLASS A COMMON STOCK 92826C839 1,400 7,248 SH   SOLE 0 7,248 0 0
VISA INC CLASS A COMMON STOCK 92826C839 59 304 SH   DFND 0 304 0 0
WP CAREY INC COMMON STOCK 92936U109 4 54 SH   SOLE 0 54 0 0
WP CAREY INC COMMON STOCK 92936U109 30 443 SH   DFND 0 443 0 0
WEC ENERGY GROUP INC COMMON STOCK 92939U106 149 1,697 SH   SOLE 0 1,697 0 0
WABTEC CORP COMMON STOCK 929740108 2 38 SH   DFND 0 38 0 0
WAL MART STORES INC COMMON STOCK 931142103 3,985 33,269 SH   SOLE 0 33,269 0 0
WAL MART STORES INC COMMON STOCK 931142103 749 6,256 SH   DFND 0 6,256 0 0
WALGREENS BOOTS ALLIANCE INC COMMON STOCK 931427108 205 4,838 SH   SOLE 0 4,838 0 0
WALGREENS BOOTS ALLIANCE INC COMMON STOCK 931427108 40 935 SH   DFND 0 935 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109 87 822 SH   SOLE 0 822 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109 11 100 SH   DFND 0 100 0 0
WELLS FARGO & CO COMMON STOCK 949746101 623 24,334 SH   SOLE 0 24,334 0 0
WELLS FARGO & CO COMMON STOCK 949746101 30 1,177 SH   DFND 0 1,177 0 0
WELLTOWER INC COMMON STOCK 95040Q104 6 120 SH   SOLE 0 120 0 0
WELLTOWER INC COMMON STOCK 95040Q104 10 200 SH   DFND 0 200 0 0
WEYERHAEUSER CO COMMON STOCK 962166104 36 1,600 SH   SOLE 0 1,600 0 0
WISDOMTREE US HIGH DIVIDEND ETF ETF/EQUITY 97717W208 1,841 29,555 SH   SOLE 0 29,555 0 0
WISDOMTREE US HIGH DIVIDEND ETF ETF/EQUITY 97717W208 58 925 SH   DFND 0 925 0 0
WISDOMTREE SMALLCAP DIVIDEND ETF/EQUITY 97717W604 19 900 SH   DFND 0 900 0 0
SPDR GOLD MINISHARES ETF/OTHER 98149E204 19 1,050 SH   SOLE 0 1,050 0 0
XCEL ENERGY INC COMMON STOCK 98389B100 12 200 SH   SOLE 0 200 0 0
XYLEM INC COMMON STOCK 98419M100 52 799 SH   SOLE 0 799 0 0
XEROX HOLDINGS CORP COMMON STOCK 98421M106 4 250 SH   SOLE 0 250 0 0
ZIMMER HOLDINGS INC COMMON STOCK 98956P102 477 4,000 SH   DFND 0 4,000 0 0