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 30 331 SH   SOLE 0 331 0 0
ALLERGAN PLC FOREIGN EQUITIES G0177J108 9 53 SH   SOLE 0 53 0 0
AMCOR PLC FOREIGN EQUITIES G0250X107 743 91,479 SH   SOLE 0 91,479 0 0
AMCOR PLC FOREIGN EQUITIES G0250X107 87 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 1 40 SH   DFND 0 40 0 0
EATON CORP PLC FOREIGN EQUITIES G29183103 16 200 SH   SOLE 0 200 0 0
EATON CORP PLC FOREIGN EQUITIES G29183103 32 408 SH   DFND 0 408 0 0
IHS MARKIT LTD. FOREIGN EQUITIES G47567105 6 107 SH   SOLE 0 107 0 0
LINDE PLC FOREIGN EQUITIES G5494J103 42 243 SH   SOLE 0 243 0 0
MEDTRONIC PLC FOREIGN EQUITIES G5960L103 615 6,824 SH   SOLE 0 6,824 0 0
MEDTRONIC PLC FOREIGN EQUITIES G5960L103 40 440 SH   DFND 0 440 0 0
TRANE TECHNOLOGIES PLC FOREIGN EQUITIES G8994E103 103 1,242 SH   SOLE 0 1,242 0 0
WHITE MTNS INS GROUP LTD COMMON STOCK G9618E107 91 100 SH   DFND 0 100 0 0
ALCON INC FOREIGN EQUITIES H01301128 2 40 SH   SOLE 0 40 0 0
CHUBB LTD FOREIGN EQUITIES H1467J104 1,073 9,604 SH   SOLE 0 9,604 0 0
CHUBB LTD FOREIGN EQUITIES H1467J104 110 982 SH   DFND 0 982 0 0
ABB LTD ADR FOREIGN EQUITIES 000375204 3 150 SH   SOLE 0 150 0 0
AGCO CORP COMMON STOCK 001084102 5 100 SH   SOLE 0 100 0 0
ALPS SECTOR DIV DOGS ETF ETF/EQUITY 00162Q858 8 250 SH   SOLE 0 250 0 0
AT&T INC COMMON STOCK 00206R102 6,000 205,909 SH   SOLE 0 205,909 0 0
AT&T INC COMMON STOCK 00206R102 1,306 44,828 SH   DFND 0 44,828 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100 2,835 35,935 SH   SOLE 0 35,935 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100 473 5,990 SH   DFND 0 5,990 0 0
ABBVIE INC COMMON STOCK 00287Y109 4,252 55,812 SH   SOLE 0 55,812 0 0
ABBVIE INC COMMON STOCK 00287Y109 693 9,096 SH   DFND 0 9,096 0 0
ADOBE INC COMMON STOCK 00724F101 64 200 SH   SOLE 0 200 0 0
AGILENT TECHNOLOGIES INC COMMON STOCK 00846U101 5 76 SH   DFND 0 76 0 0
AIR PRODS & CHEMS INC COMMON STOCK 009158106 485 2,430 SH   SOLE 0 2,430 0 0
AIR PRODS & CHEMS INC COMMON STOCK 009158106 240 1,200 SH   DFND 0 1,200 0 0
ALBEMARLE CORP COMMON STOCK 012653101 251 4,450 SH   SOLE 0 4,450 0 0
ALBEMARLE CORP COMMON STOCK 012653101 147 2,600 SH   DFND 0 2,600 0 0
ALLSTATE CORP COMMON STOCK 020002101 9 100 SH   SOLE 0 100 0 0
ALLSTATE CORP COMMON STOCK 020002101 37 400 SH   DFND 0 400 0 0
ALPHABET INC CLASS C COMMON STOCK 02079K107 129 111 SH   SOLE 0 111 0 0
ALPHABET INC CLASS C COMMON STOCK 02079K107 122 105 SH   DFND 0 105 0 0
ALPHABET INC CLASS A COMMON STOCK 02079K305 1,079 929 SH   SOLE 0 929 0 0
ALPHABET INC CLASS A COMMON STOCK 02079K305 244 210 SH   DFND 0 210 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 351 9,082 SH   SOLE 0 9,082 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 19 500 SH   DFND 0 500 0 0
AMAZON.COM INC COMMON STOCK 023135106 279 143 SH   SOLE 0 143 0 0
AMAZON.COM INC COMMON STOCK 023135106 222 114 SH   DFND 0 114 0 0
AMEREN CORP COMMON STOCK 023608102 182 2,498 SH   SOLE 0 2,498 0 0
AMERICAN ELECTRIC POWER CO COMMON STOCK 025537101 314 3,932 SH   SOLE 0 3,932 0 0
AMERICAN ELECTRIC POWER CO COMMON STOCK 025537101 257 3,219 SH   DFND 0 3,219 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 487 5,688 SH   SOLE 0 5,688 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 13 150 SH   DFND 0 150 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 653 3,000 SH   DFND 0 3,000 0 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103 239 2,000 SH   DFND 0 2,000 0 0
AMETEK INC COMMON STOCK 031100100 504 7,000 SH   DFND 0 7,000 0 0
AMGEN INC COMMON STOCK 031162100 1,659 8,181 SH   SOLE 0 8,181 0 0
AMGEN INC COMMON STOCK 031162100 532 2,625 SH   DFND 0 2,625 0 0
ANALOG DEVICES INC COMMON STOCK 032654105 10 116 SH   SOLE 0 116 0 0
ANTHEM INC COMMON STOCK 036752103 497 2,190 SH   SOLE 0 2,190 0 0
APPLE INC COMMON STOCK 037833100 24,768 97,401 SH   SOLE 0 97,401 0 0
APPLE INC COMMON STOCK 037833100 687 2,700 SH   DFND 0 2,700 0 0
APPLIED DNA SCIENCES, INC. COMMON STOCK 03815U300 0 1 SH   SOLE 0 1 0 0
ARROW FINANCIAL CORP COMMON STOCK 042744102 183 6,578 SH   SOLE 0 6,578 0 0
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 1,895 13,864 SH   SOLE 0 13,864 0 0
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 561 4,102 SH   DFND 0 4,102 0 0
BCE INC FOREIGN EQUITIES 05534B760 117 2,860 SH   SOLE 0 2,860 0 0
BP PLC ADR FOREIGN EQUITIES 055622104 55 2,260 SH   DFND 0 2,260 0 0
BANK OF AMERICA CORPORATION COMMON STOCK 060505104 116 5,444 SH   SOLE 0 5,444 0 0
BANK OF AMERICA CORPORATION COMMON STOCK 060505104 64 3,000 SH   DFND 0 3,000 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 88 2,611 SH   SOLE 0 2,611 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 12 353 SH   DFND 0 353 0 0
BARRICK GOLD CORP FOREIGN EQUITIES 067901108 4 200 SH   SOLE 0 200 0 0
BAXTER INTERNATIONAL INC COMMON STOCK 071813109 233 2,875 SH   SOLE 0 2,875 0 0
BAXTER INTERNATIONAL INC COMMON STOCK 071813109 12 150 SH   DFND 0 150 0 0
BECTON DICKINSON & CO COMMON STOCK 075887109 784 3,412 SH   SOLE 0 3,412 0 0
BECTON DICKINSON & CO COMMON STOCK 075887109 230 1,000 SH   DFND 0 1,000 0 0
BERKSHIRE HATHAWAY INC B COMMON STOCK 084670702 981 5,367 SH   SOLE 0 5,367 0 0
BERKSHIRE HATHAWAY INC B COMMON STOCK 084670702 91 500 SH   DFND 0 500 0 0
BERKSHIRE HILLS BANCORP INC COMMON STOCK 084680107 4 264 SH   DFND 0 264 0 0
BHP GROUP LTD ADR FOREIGN EQUITIES 088606108 433 11,810 SH   SOLE 0 11,810 0 0
BHP GROUP LTD ADR FOREIGN EQUITIES 088606108 99 2,690 SH   DFND 0 2,690 0 0
BIOGEN INC COMMON STOCK 09062X103 253 800 SH   DFND 0 800 0 0
BIONTECH SE ADR FOREIGN EQUITIES 09075V102 12 200 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 13 30 SH   SOLE 0 30 0 0
BLACKROCK ENHANCED EQT DIV ETF/EQUITY 09251A104 37 5,703 SH   DFND 0 5,703 0 0
BLACKSTONE GROUP INC COMMON STOCK 09260D107 5 100 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 430 2,883 SH   SOLE 0 2,883 0 0
BOEING COMPANY COMMON STOCK 097023105 8 55 SH   DFND 0 55 0 0
BORGWARNER INC COMMON STOCK 099724106 2 100 SH   DFND 0 100 0 0
BRIDGE BANCORP INC COMMON STOCK 108035106 4 200 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 2,487 44,616 SH   SOLE 0 44,616 0 0
BRISTOL MYERS SQUIBB COMPANY COMMON STOCK 110122108 7,635 136,974 SH   DFND 0 136,974 0 0
BRISTOL MYERS SQUIBB CO CONTINGENT RIGHTS WARRANTS & RIGHTS 110122157 12 3,200 SH   DFND 0 3,200 0 0
BROOKFIELD ASSET MGMT INC CLASS A FOREIGN EQUITIES 112585104 45 1,017 SH   DFND 0 1,017 0 0
C H ROBINSON WORLDWIDE INC COMMON STOCK 12541W209 976 14,737 SH   SOLE 0 14,737 0 0
C H ROBINSON WORLDWIDE INC COMMON STOCK 12541W209 62 935 SH   DFND 0 935 0 0
CIGNA CORP NEW COMMON STOCK 125523100 145 818 SH   SOLE 0 818 0 0
CIGNA CORP NEW COMMON STOCK 125523100 175 987 SH   DFND 0 987 0 0
CSX CORP COMMON STOCK 126408103 36 635 SH   SOLE 0 635 0 0
CSX CORP COMMON STOCK 126408103 1,089 19,000 SH   DFND 0 19,000 0 0
CVS HEALTH CORP COMMON STOCK 126650100 1,721 29,003 SH   SOLE 0 29,003 0 0
CVS HEALTH CORP COMMON STOCK 126650100 114 1,915 SH   DFND 0 1,915 0 0
CANADIAN PAC RY LTD FOREIGN EQUITIES 13645T100 307 1,400 SH   SOLE 0 1,400 0 0
CAPITAL ONE FINANCIAL COMMON STOCK 14040H105 25 490 SH   SOLE 0 490 0 0
CATERPILLAR INC COMMON STOCK 149123101 1,520 13,098 SH   SOLE 0 13,098 0 0
CATERPILLAR INC COMMON STOCK 149123101 236 2,037 SH   DFND 0 2,037 0 0
CEL SCI CORP COMMON STOCK 150837607 58 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 3 360 SH   DFND 0 360 0 0
CHEVRON CORP COMMON STOCK 166764100 2,136 29,487 SH   SOLE 0 29,487 0 0
CHEVRON CORP COMMON STOCK 166764100 418 5,776 SH   DFND 0 5,776 0 0
CHURCH & DWIGHT CO INC COMMON STOCK 171340102 128 2,000 SH   DFND 0 2,000 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 5,257 133,728 SH   SOLE 0 133,728 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 1,238 31,493 SH   DFND 0 31,493 0 0
CITIGROUP INC COMMON STOCK 172967424 31 737 SH   SOLE 0 737 0 0
CITIGROUP INC COMMON STOCK 172967424 4 100 SH   DFND 0 100 0 0
COCA COLA COMPANY COMMON STOCK 191216100 5,181 117,089 SH   SOLE 0 117,089 0 0
COCA COLA COMPANY COMMON STOCK 191216100 823 18,594 SH   DFND 0 18,594 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 807 12,168 SH   SOLE 0 12,168 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 454 6,836 SH   DFND 0 6,836 0 0
COMCAST CORP CLASS A COMMON STOCK 20030N101 1,517 44,115 SH   SOLE 0 44,115 0 0
COMCAST CORP CLASS A COMMON STOCK 20030N101 132 3,829 SH   DFND 0 3,829 0 0
COMMUNITY BK SYS INC COMMON STOCK 203607106 232 3,942 SH   SOLE 0 4,895 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 575 18,679 SH   SOLE 0 18,679 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 155 5,042 SH   DFND 0 5,042 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 385 4,935 SH   SOLE 0 4,935 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 101 1,300 SH   DFND 0 1,300 0 0
CONSTELLATION BRANDS INC CLASS A COMMON STOCK 21036P108 207 1,441 SH   SOLE 0 1,441 0 0
CONSTELLATION BRANDS INC CLASS A COMMON STOCK 21036P108 143 1,000 SH   DFND 0 1,000 0 0
COOPER COMPANIES INC COMMON STOCK 216648402 83 300 SH   DFND 0 300 0 0
CORNING INC COMMON STOCK 219350105 415 20,217 SH   SOLE 0 20,217 0 0
CORNING INC COMMON STOCK 219350105 26 1,275 SH   DFND 0 1,275 0 0
CORTEVA INC COMMON STOCK 22052L104 300 12,767 SH   SOLE 0 12,767 0 0
CORTEVA INC COMMON STOCK 22052L104 39 1,666 SH   DFND 0 1,666 0 0
COSTCO COMMON STOCK 22160K105 104 364 SH   SOLE 0 364 0 0
COSTCO COMMON STOCK 22160K105 16 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 1,904 14,070 SH   SOLE 0 14,070 0 0
CUMMINS INC COMMON STOCK 231021106 424 3,130 SH   DFND 0 3,130 0 0
DANAHER CORP COMMON STOCK 235851102 40 290 SH   SOLE 0 290 0 0
DARDEN RESTAURANTS INC COMMON STOCK 237194105 74 1,354 SH   SOLE 0 1,354 0 0
DARDEN RESTAURANTS INC COMMON STOCK 237194105 119 2,180 SH   DFND 0 2,180 0 0
DEERE & COMPANY COMMON STOCK 244199105 14 100 SH   SOLE 0 100 0 0
DELL TECHNOLOGIES INC COMMON STOCK 24703L202 6 146 SH   SOLE 0 146 0 0
DENTSPLY SIRONA INC COMMON STOCK 24906P109 16 414 SH   SOLE 0 414 0 0
DIAMONDBACK ENERGY, INC. COMMON STOCK 25278X109 7 257 SH   SOLE 0 257 0 0
WALT DISNEY CO COMMON STOCK 254687106 3,300 34,162 SH   SOLE 0 34,162 0 0
WALT DISNEY CO COMMON STOCK 254687106 213 2,201 SH   DFND 0 2,201 0 0
DOLLAR GENERAL CORP COMMON STOCK 256677105 301 1,995 SH   SOLE 0 1,995 0 0
DOLLAR GENERAL CORP COMMON STOCK 256677105 45 300 SH   DFND 0 300 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109 3,104 42,999 SH   SOLE 0 42,999 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109 1,044 14,456 SH   DFND 0 14,456 0 0
DOW INC COMMON STOCK 260557103 1,557 53,282 SH   SOLE 0 53,282 0 0
DOW INC COMMON STOCK 260557103 179 6,123 SH   DFND 0 6,123 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204 360 4,449 SH   SOLE 0 4,449 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204 99 1,222 SH   DFND 0 1,222 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102 978 28,682 SH   SOLE 0 28,682 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102 171 5,010 SH   DFND 0 5,010 0 0
EOG RESOURCES INC COMMON STOCK 26875P101 67 1,874 SH   SOLE 0 1,874 0 0
EOG RESOURCES INC COMMON STOCK 26875P101 3 80 SH   DFND 0 80 0 0
ETFMG PRIME MOBILE PAYMENTS ETF/EQUITY 26924G409 1,078 28,925 SH   SOLE 0 28,870 0 55
ETFMG PRIME MOBILE PAYMENTS ETF/EQUITY 26924G409 1 30 SH   DFND 0 30 0 0
ECOLAB INC COMMON STOCK 278865100 150 964 SH   SOLE 0 964 0 0
ECOLAB INC COMMON STOCK 278865100 117 750 SH   DFND 0 750 0 0
EDISON INTL COMMON STOCK 281020107 170 3,097 SH   DFND 0 3,097 0 0
EMERSON ELECTRIC CO COMMON STOCK 291011104 2,130 44,692 SH   SOLE 0 44,692 0 0
EMERSON ELECTRIC CO COMMON STOCK 291011104 262 5,491 SH   DFND 0 5,491 0 0
ENBRIDGE INC FOREIGN EQUITIES 29250N105 2 67 SH   SOLE 0 67 0 0
ENBRIDGE INC FOREIGN EQUITIES 29250N105 92 3,148 SH   DFND 0 3,148 0 0
ENERGY TRANSFER EQUITY LP COMMON STOCK 29273V100 6 1,282 SH   DFND 0 1,282 0 0
ENTERPRISE PRODS PARTNERS LP COMMON STOCK 293792107 51 3,598 SH   SOLE 0 3,598 0 0
EQUIFAX INC COMMON STOCK 294429105 478 4,000 SH   DFND 0 4,000 0 0
ESSENTIAL UTILITIES INC COMMON STOCK 29670G102 284 6,980 SH   SOLE 0 6,980 0 0
ESSENTIAL UTILITIES INC COMMON STOCK 29670G102 42 1,025 SH   DFND 0 1,025 0 0
EXELON CORP COMMON STOCK 30161N101 1,421 38,610 SH   SOLE 0 38,610 0 0
EXELON CORP COMMON STOCK 30161N101 292 7,925 SH   DFND 0 7,925 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102 3,363 88,579 SH   SOLE 0 88,579 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102 678 17,849 SH   DFND 0 17,849 0 0
FNCB BANCORP INC COMMON STOCK 302578109 7 1,084 SH   SOLE 0 1,084 0 0
FACEBOOK INC CLASS A COMMON STOCK 30303M102 38 230 SH   SOLE 0 230 0 0
FACEBOOK INC CLASS A COMMON STOCK 30303M102 21 125 SH   DFND 0 125 0 0
FASTENAL CO COMMON STOCK 311900104 267 8,552 SH   SOLE 0 8,552 0 0
FASTENAL CO COMMON STOCK 311900104 195 6,250 SH   DFND 0 6,250 0 0
FEDEX CORP COMMON STOCK 31428X106 26 215 SH   SOLE 0 215 0 0
FIDELITY NATL INFORMATION SV COMMON STOCK 31620M106 365 3,000 SH   DFND 0 3,000 0 0
FIFTH THIRD BANCORP COMMON STOCK 316773100 10 655 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 7 1,400 SH   DFND 0 1,400 0 0
FORTUNE BRANDS HOME & SEC COMMON STOCK 34964C106 9 200 SH   SOLE 0 200 0 0
FRANCO NEVADA CORP FOREIGN EQUITIES 351858105 13 132 SH   DFND 0 132 0 0
FRESENIUS MEDICAL CARE AG & CO KGAA FOREIGN EQUITIES 358029106 3 100 SH   DFND 0 100 0 0
FRONTIER COMMUNICATIONS CORPCL B COMMON STOCK 35906A306 0 12 SH   SOLE 0 12 0 0
GABELLI MULTIMEDIA TR INC MUTUAL FUND LARGE CAP EQUITY 36239Q109 5 898 SH   DFND 0 898 0 0
GABELLI UTILITY TRUST MUTUAL FUNDS MID CAP EQUITY 36240A101 5 866 SH   DFND 0 866 0 0
ARTHUR J GALLAGHER & CO COMMON STOCK 363576109 12 150 SH   DFND 0 150 0 0
GAP INC DEL COMMON STOCK 364760108 19 2,700 SH   SOLE 0 2,700 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 697 5,267 SH   SOLE 0 5,267 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 21 157 SH   DFND 0 157 0 0
GENERAL ELECTRIC CO COMMON STOCK 369604103 326 41,054 SH   SOLE 0 41,054 0 0
GENERAL ELECTRIC CO COMMON STOCK 369604103 92 11,628 SH   DFND 0 11,628 0 0
GENERAL MILLS INC COMMON STOCK 370334104 1,833 34,728 SH   SOLE 0 34,728 0 0
GENERAL MILLS INC COMMON STOCK 370334104 444 8,410 SH   DFND 0 8,410 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 757 10,127 SH   SOLE 0 10,127 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 209 2,800 SH   DFND 0 2,800 0 0
GLOBAL X ROBOTICS & AI ETF ETF/INTERNATIONAL EQUITY 37954Y715 1,267 69,885 SH   SOLE 0 69,750 0 135
GLOBAL X ROBOTICS & AI ETF ETF/INTERNATIONAL EQUITY 37954Y715 2 100 SH   DFND 0 100 0 0
HARLEY DAVIDSON INC COMMON STOCK 412822108 4 200 SH   SOLE 0 200 0 0
HERSHEY CO COMMON STOCK 427866108 133 1,000 SH   SOLE 0 1,000 0 0
HERSHEY CO COMMON STOCK 427866108 133 1,000 SH   DFND 0 1,000 0 0
HOME DEPOT INC COMMON STOCK 437076102 1,451 7,772 SH   SOLE 0 7,772 0 0
HOME DEPOT INC COMMON STOCK 437076102 305 1,636 SH   DFND 0 1,636 0 0
HONEYWELL INTL INC COMMON STOCK 438516106 861 6,436 SH   SOLE 0 6,436 0 0
HONEYWELL INTL INC COMMON STOCK 438516106 35 259 SH   DFND 0 259 0 0
IDEX CORP COMMON STOCK 45167R104 82 591 SH   SOLE 0 591 0 0
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109 2,894 20,362 SH   SOLE 0 20,362 0 0
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109 502 3,533 SH   DFND 0 3,533 0 0
INFINITY PHARMACEUTICALS INC COMMON STOCK 45665G303 20 24,000 SH   SOLE 0 24,000 0 0
INFUSYSTEMS HOLDINGS INC COMMON STOCK 45685K102 25 3,000 SH   SOLE 0 3,000 0 0
INGERSOLL RAND INC COM FOREIGN EQUITIES 45687V106 27 1,095 SH   SOLE 0 1,095 0 0
INTEL CORP COMMON STOCK 458140100 6,967 128,750 SH   SOLE 0 128,750 0 0
INTEL CORP COMMON STOCK 458140100 1,404 25,944 SH   DFND 0 25,944 0 0
INTL BUSINESS MACHINES CORP COMMON STOCK 459200101 4,829 43,534 SH   SOLE 0 43,534 0 0
INTL BUSINESS MACHINES CORP COMMON STOCK 459200101 8,687 78,307 SH   DFND 0 78,307 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 642 13,030 SH   SOLE 0 12,830 0 200
INVESCO ACTIVELY MANAGD ETF ULTRA SHRT DUR ETF/FIXED INCOME 46090A887 7 150 SH   DFND 0 150 0 0
INVESCO QQQ TRUST ETF/EQUITY 46090E103 59 308 SH   SOLE 0 308 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 10 112 SH   SOLE 0 112 0 0
INVESCO EXCHANGE-TRADED FD TNATL AMT MUNI ETF/EQUITY 46138E537 32 1,250 SH   SOLE 0 1,250 0 0
INVESCO KBW BANK ETF ETF/EQUITY 46138E628 105 3,145 SH   SOLE 0 3,145 0 0
INVESCO VARIABLE RATE PFD ETF/EQUITY 46138G870 1,823 85,000 SH   SOLE 0 85,000 0 0
INVESCO VARIABLE RATE PFD ETF/EQUITY 46138G870 17 800 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 11 100 SH   SOLE 0 100 0 0
IRIDIUM COMMUNICATIONS INC COMMON STOCK 46269C102 4 200 SH   DFND 0 200 0 0
ISHARES SILVER TRUST ETF/OTHER 46428Q109 10 750 SH   SOLE 0 750 0 0
ISHARES SILVER TRUST ETF/OTHER 46428Q109 24 1,872 SH   DFND 0 1,872 0 0
ISHARES GOLD TRUST ETF/OTHER 464285105 5,847 387,968 SH   SOLE 0 387,668 0 300
ISHARES GOLD TRUST ETF/OTHER 464285105 6 405 SH   DFND 0 405 0 0
ISHARES MSCI CANADA ETF ETF/INTERNATIONAL EQUITY 464286509 185 8,459 SH   SOLE 0 8,459 0 0
ISHARES MSCI MIN VOL EMERGE MARKETS ETF ETF/INTERNATIONAL EQUITY 464286533 3,018 64,330 SH   SOLE 0 64,225 0 105
ISHARES MSCI MIN VOL EMERGE MARKETS ETF ETF/INTERNATIONAL EQUITY 464286533 3 60 SH   DFND 0 60 0 0
ISHARES CORE S&P TOTAL US STOCK MKT ETF ETF/EQUITY 464287150 7 120 SH   SOLE 0 120 0 0
ISHARES SELECT DIVIDEND ETF ETF/EQUITY 464287168 74 1,008 SH   SOLE 0 1,008 0 0
ISHARES TIPS BOND ETF ETF/FIXED INCOME 464287176 500 4,236 SH   SOLE 0 4,236 0 0
ISHARES TIPS BOND ETF ETF/FIXED INCOME 464287176 50 425 SH   DFND 0 425 0 0
ISHARES CORE S&P 500 ETF ETF/EQUITY 464287200 22,772 88,130 SH   SOLE 0 88,130 0 0
ISHARES CORE US AGGREGATE BOND ETF ETF/FIXED INCOME 464287226 12 100 SH   SOLE 0 100 0 0
ISHARES MSCI EMERGING MKTS ETF ETF/INTERNATIONAL EQUITY 464287234 194 5,673 SH   SOLE 0 5,673 0 0
ISHARES IBOXX $ INVMT GRADE CORP BOND ETF ETF/FIXED INCOME 464287242 163 1,321 SH   SOLE 0 1,321 0 0
ISHARES IBOXX $ INVMT GRADE CORP BOND ETF ETF/FIXED INCOME 464287242 52 425 SH   DFND 0 425 0 0
ISHARES S&P 500 GROWTH ETF ETF/EQUITY 464287309 580 3,513 SH   SOLE 0 3,513 0 0
ISHARES S&P 500 GROWTH ETF ETF/EQUITY 464287309 10 60 SH   DFND 0 60 0 0
ISHARES GLOBAL HEALTHCARE ETF/EQUITY 464287325 32 520 SH   SOLE 0 520 0 0
ISHARES S&P 500 VALUE ETF ETF/EQUITY 464287408 511 5,309 SH   SOLE 0 5,309 0 0
ISHARES S&P 500 VALUE ETF ETF/EQUITY 464287408 9 95 SH   DFND 0 95 0 0
ISHARES 7-10 YEAR TSY BOND ETF/FIXED INCOME 464287440 866 7,125 SH   SOLE 0 6,985 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 1,383 25,876 SH   SOLE 0 25,876 0 0
ISHARES MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 464287465 959 17,942 SH   DFND 0 17,942 0 0
ISHARES RUSSELL MIDCAP VALUE ETF/EQUITY 464287473 2,775 43,307 SH   SOLE 0 43,307 0 0
ISHARES RUSSELL MIDCAP VALUE ETF/EQUITY 464287473 130 2,025 SH   DFND 0 2,025 0 0
ISHARES CORE S&P MIDCAP ETF ETF/EQUITY 464287507 5,265 36,599 SH   SOLE 0 36,574 0 25
ISHARES CORE S&P MIDCAP ETF ETF/EQUITY 464287507 45 315 SH   DFND 0 315 0 0
ISHARES NASDAQ BIOTECHNOLOGYETF ETF/EQUITY 464287556 53 495 SH   SOLE 0 495 0 0
ISHARES RUSSELL 1000 VALUE ETF ETF/EQUITY 464287598 1,890 19,054 SH   SOLE 0 18,924 0 130
ISHARES RUSSELL 1000 VALUE ETF ETF/EQUITY 464287598 1,308 13,185 SH   DFND 0 13,185 0 0
ISHARES S&P MIDCAP 400 GROWTH ETF ETF/EQUITY 464287606 307 1,720 SH   SOLE 0 1,720 0 0
ISHARES S&P MIDCAP 400 GROWTH ETF ETF/EQUITY 464287606 27 150 SH   DFND 0 150 0 0
ISHARES RUSSELL 1000 GROWTH ETF ETF/EQUITY 464287614 3,688 24,480 SH   SOLE 0 24,385 0 95
ISHARES RUSSELL 1000 GROWTH ETF ETF/EQUITY 464287614 2,362 15,682 SH   DFND 0 15,682 0 0
ISHARES RUSSELL 2000 VALUE ETF/EQUITY 464287630 17 209 SH   DFND 0 209 0 0
ISHARES RUSSELL 2000 GROWTH ETF ETF/EQUITY 464287648 22 141 SH   DFND 0 141 0 0
ISHARES RUSSELL 2000 ETF ETF/EQUITY 464287655 338 2,957 SH   SOLE 0 2,957 0 0
ISHARES RUSSELL 2000 ETF ETF/EQUITY 464287655 34 300 SH   DFND 0 300 0 0
ISHARES US TELECOM ETF ETF/EQUITY 464287713 4 150 SH   SOLE 0 150 0 0
ISHARES CORE S&P SMALLCAP ETF ETF/EQUITY 464287804 5,403 96,287 SH   SOLE 0 96,227 0 60
ISHARES CORE S&P SMALLCAP ETF ETF/EQUITY 464287804 1,549 27,603 SH   DFND 0 27,603 0 0
ISHARES MSCI ACWI EX US ETF ETF/INTERNATIONAL EQUITY 464288240 226 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 NATIONAL MUNI BOND ETF ETF/FIXED INCOME 464288414 57 500 SH   SOLE 0 500 0 0
ISHARES IBOXX $ HIGH YIELD CORP BOND ETF ETF/FIXED INCOME 464288513 58 759 SH   DFND 0 759 0 0
ISHARES MSCI KLD 400 SOCIAL ETF ETF/EQUITY 464288570 9 97 SH   SOLE 0 97 0 0
ISHARES INTERMEDIATE CREDIT BOND ETF ETF/FIXED INCOME 464288638 73 1,324 SH   SOLE 0 1,324 0 0
ISHARES INTERMEDIATE CREDIT BOND ETF ETF/FIXED INCOME 464288638 75 1,370 SH   DFND 0 1,370 0 0
ISHARES SHORT TERM CORP BOND ETF/FIXED INCOME 464288646 404 7,717 SH   SOLE 0 7,717 0 0
ISHARES SHORT TERM CORP BOND ETF/FIXED INCOME 464288646 250 4,778 SH   DFND 0 4,778 0 0
ISHARES US PREFERRED STOCK ETF/OTHER 464288687 308 9,661 SH   SOLE 0 9,661 0 0
ISHARES US PREFERRED STOCK ETF/OTHER 464288687 9 270 SH   DFND 0 270 0 0
ISHARES MSCI USA ESG SELECT ETF/EQUITY 464288802 5 44 SH   SOLE 0 44 0 0
ISHARES FLOATING RATE BOND ETF/FIXED INCOME 46429B655 2,101 43,100 SH   SOLE 0 43,100 0 0
ISHARES CORE HIGH DIVIDEND ETF/EQUITY 46429B663 64 890 SH   SOLE 0 890 0 0
ISHARES CORE HIGH DIVIDEND ETF/EQUITY 46429B663 24 330 SH   DFND 0 330 0 0
ISHARES EDGE MSCI MIN VOL EAFE ETF ETF/INTERNATIONAL EQUITY 46429B689 6,639 107,019 SH   SOLE 0 106,824 0 195
ISHARES EDGE MSCI MIN VOL EAFE ETF ETF/INTERNATIONAL EQUITY 46429B689 20 319 SH   DFND 0 319 0 0
ISHARES EDGE MSCI MIN VOL USA ETF ETF/EQUITY 46429B697 17,091 316,499 SH   SOLE 0 316,189 0 310
ISHARES EDGE MSCI MIN VOL USA ETF ETF/EQUITY 46429B697 32 600 SH   DFND 0 600 0 0
ISHARES CORE MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 46432F842 16,786 336,528 SH   SOLE 0 336,353 0 175
ISHARES CORE MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 46432F842 171 3,421 SH   DFND 0 3,421 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 46434G103 3,681 90,956 SH   SOLE 0 90,831 0 125
ISHARES CORE MSCI EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 46434G103 4 95 SH   DFND 0 95 0 0
ISHARES ESG MSCI EM ETF ETF/INTERNATIONAL EQUITY 46434G863 513 18,750 SH   SOLE 0 18,750 0 0
ISHARES 0-5 YR INVMT GR CORP ETF/FIXED INCOME 46434V100 42 845 SH   DFND 0 845 0 0
ISHARES EDGE MSCI MIN VOL USSMALLCAP ETF/EQUITY 46435G433 1,920 74,229 SH   SOLE 0 74,144 0 85
ISHARES EDGE MSCI MIN VOL USSMALLCAP ETF/EQUITY 46435G433 2 65 SH   DFND 0 65 0 0
ISHARES ESG MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 46435G516 278 5,230 SH   SOLE 0 5,230 0 0
JPMORGAN CHASE & CO COMMON STOCK 46625H100 4,303 47,793 SH   SOLE 0 47,793 0 0
JPMORGAN CHASE & CO COMMON STOCK 46625H100 479 5,318 SH   DFND 0 5,318 0 0
JABIL CIRCUIT INC. COMMON STOCK 466313103 5 200 SH   SOLE 0 200 0 0
JPMORGAN DIVERSIFIED RETURN US EQ ETF ETF/EQUITY 46641Q407 5,487 93,580 SH   SOLE 0 93,530 0 50
JPMORGAN DIVERSIFIED RETURN US EQ ETF ETF/EQUITY 46641Q407 3 45 SH   DFND 0 45 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 7,412 56,524 SH   SOLE 0 56,524 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 2,162 16,488 SH   DFND 0 16,488 0 0
JOUNCE THERAPEUTICS INC COMMON STOCK 481116101 10 2,000 SH   SOLE 0 2,000 0 0
KEYCORP COMMON STOCK 493267108 5 457 SH   SOLE 0 457 0 0
KEYCORP COMMON STOCK 493267108 5 500 SH   DFND 0 500 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 165 1,294 SH   SOLE 0 1,294 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 597 4,665 SH   DFND 0 4,665 0 0
KINDER MORGAN INC COMMON STOCK 49456B101 9 643 SH   SOLE 0 643 0 0
KONTOOR BRANDS INC COMMON STOCK 50050N103 1 41 SH   DFND 0 41 0 0
KRAFT HEINZ COMPANY COMMON STOCK 500754106 45 1,822 SH   SOLE 0 1,822 0 0
KRAFT HEINZ COMPANY COMMON STOCK 500754106 63 2,533 SH   DFND 0 2,533 0 0
KRANESHARES TR CSI CHI INTERNET COMMON STOCK 500767306 405 8,945 SH   SOLE 0 8,900 0 45
KRANESHARES TR CSI CHI INTERNET COMMON STOCK 500767306 4 85 SH   DFND 0 85 0 0
KROGER COMPANY COMMON STOCK 501044101 11 370 SH   SOLE 0 370 0 0
L3HARRIS TECHNOLOGIES INC COMMON STOCK 502431109 5 30 SH   DFND 0 30 0 0
LIBERTY ALL STAR EQUITY FD CLOSED END MUTUAL FUNDS 530158104 35 7,208 SH   DFND 0 7,208 0 0
ELI LILLY AND COMPANY COMMON STOCK 532457108 302 2,178 SH   SOLE 0 2,178 0 0
ELI LILLY AND COMPANY COMMON STOCK 532457108 252 1,816 SH   DFND 0 1,816 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 175 516 SH   SOLE 0 516 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 129 380 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 1,317 15,304 SH   SOLE 0 15,304 0 0
LOWES COMPANIES INC COMMON STOCK 548661107 39 459 SH   DFND 0 459 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 834 8,068 SH   DFND 0 8,068 0 0
MAGNA INTERNATIONAL INC FOREIGN EQUITIES 559222401 23 720 SH   SOLE 0 720 0 0
MANULIFE FINL CORP FOREIGN EQUITIES 56501R106 188 15,000 SH   SOLE 0 15,000 0 0
MARATHON OIL CORP COMMON STOCK 565849106 0 145 SH   DFND 0 145 0 0
MARATHON PETROLEUM CORP COMMON STOCK 56585A102 8 344 SH   DFND 0 344 0 0
MARKEL CORPORATION COMMON STOCK 570535104 93 100 SH   DFND 0 100 0 0
MASTERCARD INC CLASS A COMMON STOCK 57636Q104 176 730 SH   SOLE 0 730 0 0
MASTERCARD INC CLASS A COMMON STOCK 57636Q104 12 50 SH   DFND 0 50 0 0
MCDONALDS CORP COMMON STOCK 580135101 1,845 11,156 SH   SOLE 0 11,156 0 0
MCDONALDS CORP COMMON STOCK 580135101 366 2,215 SH   DFND 0 2,215 0 0
MCKESSON CORP COMMON STOCK 58155Q103 36 266 SH   SOLE 0 266 0 0
MCKESSON CORP COMMON STOCK 58155Q103 473 3,500 SH   DFND 0 3,500 0 0
MEDICAL PPTYS TRUST INC COMMON STOCK 58463J304 3 200 SH   DFND 0 200 0 0
MERCK & COMPANY INC COMMON STOCK 58933Y105 6,674 86,741 SH   SOLE 0 86,741 0 0
MERCK & COMPANY INC COMMON STOCK 58933Y105 1,376 17,888 SH   DFND 0 17,888 0 0
METTLER-TOLEDO INTL COMMON STOCK 592688105 691 1,000 SH   DFND 0 1,000 0 0
MICROSOFT CORP COMMON STOCK 594918104 10,722 67,984 SH   SOLE 0 67,984 0 0
MICROSOFT CORP COMMON STOCK 594918104 1,587 10,060 SH   DFND 0 10,060 0 0
MILLER INDUSTRIES INC COMMON STOCK 600551204 30 1,054 SH   SOLE 0 1,054 0 0
MONDELEZ INTL INC CL A COMMON STOCK 609207105 131 2,624 SH   SOLE 0 2,624 0 0
MONDELEZ INTL INC CL A COMMON STOCK 609207105 218 4,350 SH   DFND 0 4,350 0 0
MORGAN STANLEY COMMON STOCK 617446448 249 7,333 SH   SOLE 0 7,333 0 0
MOTOROLA SOLUTIONS INC COMMON STOCK 620076307 7 50 SH   SOLE 0 50 0 0
NBT BANCORP INC COMMON STOCK 628778102 736 22,741 SH   SOLE 0 22,741 0 0
NBT BANCORP INC COMMON STOCK 628778102 1,058 32,660 SH   DFND 0 32,660 0 0
NATIONAL FUEL GAS COMPANY COMMON STOCK 636180101 37 1,000 SH   SOLE 0 1,000 0 0
NATIONAL FUEL GAS COMPANY COMMON STOCK 636180101 118 3,166 SH   DFND 0 3,166 0 0
NATIONAL GRID PLC ADR FOREIGN EQUITIES 636274409 11 185 SH   DFND 0 185 0 0
NAVISTAR INTERNATIONAL CORP COMMON STOCK 63934E108 0 1 SH   SOLE 0 1 0 0
NEXSTAR MEDIA GROUP CLASS A COMMON STOCK 65336K103 3 50 SH   SOLE 0 50 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 2,137 8,880 SH   SOLE 0 8,880 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 1,114 4,630 SH   DFND 0 4,630 0 0
NIKE INC CLASS B COMMON STOCK 654106103 2,104 25,429 SH   SOLE 0 25,429 0 0
NIKE INC CLASS B COMMON STOCK 654106103 154 1,866 SH   DFND 0 1,866 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 1,164 7,974 SH   SOLE 0 7,974 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 175 1,200 SH   DFND 0 1,200 0 0
NORTHROP GRUMMAN CORP COMMON STOCK 666807102 121 400 SH   SOLE 0 400 0 0
NORTHROP GRUMMAN CORP COMMON STOCK 666807102 61 200 SH   DFND 0 200 0 0
NORWOOD FINANCIAL CORP COMMON STOCK 669549107 209 7,825 SH   SOLE 0 7,825 0 0
NOVARTIS AG ADR FOREIGN EQUITIES 66987V109 589 7,138 SH   SOLE 0 7,138 0 0
NOVARTIS AG ADR FOREIGN EQUITIES 66987V109 275 3,340 SH   DFND 0 3,340 0 0
NUCOR CORP COMMON STOCK 670346105 1,693 46,992 SH   SOLE 0 46,992 0 0
NUCOR CORP COMMON STOCK 670346105 327 9,072 SH   DFND 0 9,072 0 0
NUTRIEN LTD FOREIGN EQUITIES 67077M108 48 1,400 SH   SOLE 0 1,400 0 0
NUTRIEN LTD FOREIGN EQUITIES 67077M108 4 120 SH   DFND 0 120 0 0
OKTA INC CL A COMMON STOCK 679295105 24 200 SH   DFND 0 200 0 0
OLD REPUBLIC INTL CORP COMMON STOCK 680223104 6 400 SH   DFND 0 400 0 0
OMNICOM GROUP INC COMMON STOCK 681919106 1,742 31,739 SH   SOLE 0 31,739 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 20 750 SH   SOLE 0 750 0 0
ONEOK INC COMMON STOCK 682680103 9 394 SH   SOLE 0 394 0 0
ORACLE CORP COMMON STOCK 68389X105 570 11,785 SH   SOLE 0 11,785 0 0
ORACLE CORP COMMON STOCK 68389X105 7 140 SH   DFND 0 140 0 0
ORANGE SA ADR FOREIGN EQUITIES 684060106 12 1,000 SH   DFND 0 1,000 0 0
PNC FINL SVCS GROUP INC COMMON STOCK 693475105 915 9,558 SH   SOLE 0 9,558 0 0
PNC FINL SVCS GROUP INC COMMON STOCK 693475105 5 55 SH   DFND 0 55 0 0
PPG INDUSTRIES INC COMMON STOCK 693506107 249 2,977 SH   SOLE 0 2,977 0 0
PPG INDUSTRIES INC COMMON STOCK 693506107 23 270 SH   DFND 0 270 0 0
PPL CORP COMMON STOCK 69351T106 741 30,008 SH   SOLE 0 30,008 0 0
PPL CORP COMMON STOCK 69351T106 65 2,630 SH   DFND 0 2,630 0 0
PACER BENCHMARK DATA&INFRAS RE SECTOR ETF ETF/EQUITY 69374H741 1,898 61,955 SH   SOLE 0 61,795 0 160
PACER BENCHMARK DATA&INFRAS RE SECTOR ETF ETF/EQUITY 69374H741 6 185 SH   DFND 0 185 0 0
PALO ALTO NETWORKS INC COMMON STOCK 697435105 20 120 SH   SOLE 0 120 0 0
PATTERSON UTI ENERGY INC COMMON STOCK 703481101 0 100 SH   SOLE 0 100 0 0
PAYCOM SOFTWARE INC COMMON STOCK 70432V102 40 200 SH   DFND 0 200 0 0
PAYCHEX INC COMMON STOCK 704326107 25 395 SH   DFND 0 395 0 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103 24 250 SH   SOLE 0 250 0 0
PEOPLES FINL SVCS CORP COMMON STOCK 711040105 48 1,218 SH   SOLE 0 1,218 0 0
PEOPLES UNITED FINANCIAL INC COMMON STOCK 712704105 55 4,976 SH   SOLE 0 4,976 0 0
PEPSICO INC COMMON STOCK 713448108 5,606 46,674 SH   SOLE 0 46,674 0 0
PEPSICO INC COMMON STOCK 713448108 1,403 11,683 SH   DFND 0 11,683 0 0
PFIZER INC COMMON STOCK 717081103 4,143 126,960 SH   SOLE 0 126,960 0 0
PFIZER INC COMMON STOCK 717081103 1,065 32,645 SH   DFND 0 32,645 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109 525 7,195 SH   SOLE 0 7,195 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109 41 560 SH   DFND 0 560 0 0
PHILLIPS 66 COMMON STOCK 718546104 326 6,081 SH   SOLE 0 6,081 0 0
PHILLIPS 66 COMMON STOCK 718546104 182 3,395 SH   DFND 0 3,395 0 0
PIMCO 1-5 YEAR US TIPS ETF/FIXED INCOME 72201R205 54 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 69 698 SH   SOLE 0 492 0 206
PINNACLE WEST CPTLCORP COMMON STOCK 723484101 248 3,275 SH   SOLE 0 3,275 0 0
POLARIS INDUSTRIES INC COMMON STOCK 731068102 5 100 SH   SOLE 0 100 0 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108 17 170 SH   SOLE 0 170 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 5,851 53,188 SH   SOLE 0 53,188 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 896 8,143 SH   DFND 0 8,143 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102 102 1,958 SH   SOLE 0 1,958 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102 3 61 SH   DFND 0 61 0 0
PRUDENTIAL PLC ADR FOREIGN EQUITIES 74435K204 2 67 SH   SOLE 0 67 0 0
PUBLIC SVC ENTERPRISE GROUP COMMON STOCK 744573106 3,096 68,946 SH   SOLE 0 68,946 0 0
PUBLIC SVC ENTERPRISE GROUP COMMON STOCK 744573106 884 19,694 SH   DFND 0 19,694 0 0
QUALCOMM INC COMMON STOCK 747525103 546 8,076 SH   SOLE 0 8,076 0 0
QUALCOMM INC COMMON STOCK 747525103 34 500 SH   DFND 0 500 0 0
RAYTHEON CO COMMON STOCK 755111507 70 530 SH   SOLE 0 530 0 0
RAYTHEON CO COMMON STOCK 755111507 48 365 SH   DFND 0 365 0 0
REALTY INCOME CORP COMMON STOCK 756109104 14 284 SH   SOLE 0 284 0 0
REPUBLIC SVCS INC COM COMMON STOCK 760759100 8 100 SH   SOLE 0 100 0 0
RIO TINTO PLC ADR FOREIGN EQUITIES 767204100 205 4,500 SH   SOLE 0 4,500 0 0
RIO TINTO PLC ADR FOREIGN EQUITIES 767204100 42 925 SH   DFND 0 925 0 0
ROCKWELL AUTOMATION INC COMMON STOCK 773903109 75 500 SH   SOLE 0 500 0 0
ROCKWELL AUTOMATION INC COMMON STOCK 773903109 26 175 SH   DFND 0 175 0 0
ROPER INDS INC NEW COMMON STOCK 776696106 218 700 SH   DFND 0 700 0 0
ROYAL BANK OF CANADA FOREIGN EQUITIES 780087102 856 13,915 SH   SOLE 0 13,915 0 0
ROYAL BANK OF CANADA FOREIGN EQUITIES 780087102 77 1,250 SH   DFND 0 1,250 0 0
ROYAL DUTCH SHELL PLC CL A FOREIGN EQUITIES 780259206 239 6,855 SH   SOLE 0 6,855 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 4 48 SH   DFND 0 48 0 0
S&P GLOBAL INC COMMON STOCK 78409V104 245 1,000 SH   DFND 0 1,000 0 0
SPDR S&P 500 ETF ETF/EQUITY 78462F103 5,124 19,878 SH   SOLE 0 19,878 0 0
SPDR S&P 500 ETF ETF/EQUITY 78462F103 683 2,651 SH   DFND 0 2,651 0 0
SPDR GOLD SHARES ETF/OTHER 78463V107 612 4,132 SH   SOLE 0 4,132 0 0
SPDR GOLD SHARES ETF/OTHER 78463V107 727 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 22 650 SH   DFND 0 650 0 0
SPDR PORTFOLIO S&P500 GROWTH ETF/EQUITY 78464A409 548 15,325 SH   SOLE 0 15,325 0 0
SPDR PORTFOLIO S&P 500 VALUE ETF/EQUITY 78464A508 503 19,475 SH   SOLE 0 19,475 0 0
SPDR INTERMEDIATE TREASURY ETF/FIXED INCOME 78464A672 360 10,865 SH   SOLE 0 10,865 0 0
SPDR S&P REGIONAL BANKING ETF/EQUITY 78464A698 7 225 SH   SOLE 0 225 0 0
SPDR S&P DIVIDEND ETF ETF/EQUITY 78464A763 6 80 SH   SOLE 0 80 0 0
SPDR SER TR PORTFOLIO S&P500 COMMON STOCK 78464A854 166 5,495 SH   SOLE 0 5,495 0 0
SPDR SER TR PORTFOLIO S&P500 COMMON STOCK 78464A854 1 45 SH   DFND 0 45 0 0
SPDR BLACKSTONE/GSO SENIOR LOAN ETF ETF/FIXED INCOME 78467V608 752 18,797 SH   SOLE 0 18,609 0 188
SPDR BLACKSTONE/GSO SENIOR LOAN ETF ETF/FIXED INCOME 78467V608 29 725 SH   DFND 0 725 0 0
SPDR DOUBLELINE TOTAL RETURNTACT ETF ETF/FIXED INCOME 78467V848 5,167 107,750 SH   SOLE 0 107,750 0 0
SPDR DOUBLELINE TOTAL RETURNTACT ETF ETF/FIXED INCOME 78467V848 38 800 SH   DFND 0 800 0 0
SPDR S&P MIDCAP 400 ETF ETF/EQUITY 78467Y107 3,600 13,696 SH   SOLE 0 13,696 0 0
SPDR S&P MIDCAP 400 ETF ETF/EQUITY 78467Y107 1,591 6,053 SH   DFND 0 6,053 0 0
SPDR 1-3 MO TBILL ETF ETF/FIXED INCOME 78468R663 1,784 19,475 SH   SOLE 0 19,415 0 60
SPDR 1-3 MO TBILL ETF ETF/FIXED INCOME 78468R663 5 60 SH   DFND 0 60 0 0
SPDR NUVEEN BBB MUNI BOND ETF ETF/FIXED INCOME 78468R721 31 625 SH   SOLE 0 625 0 0
SPDR DOUBLELINE SHRT DUR ETF/FIXED INCOME 78470P200 29 600 SH   SOLE 0 600 0 0
SCHLUMBERGER LTD FOREIGN EQUITIES 806857108 196 14,554 SH   SOLE 0 14,554 0 0
SCHLUMBERGER LTD FOREIGN EQUITIES 806857108 37 2,738 SH   DFND 0 2,738 0 0
SCHWAB US SMALL CAP ETF ETF/EQUITY 808524607 1,643 31,900 SH   SOLE 0 31,900 0 0
SCHWAB US SMALL CAP ETF ETF/EQUITY 808524607 93 1,802 SH   DFND 0 1,802 0 0
MATERIALS SELECT SECTOR SPDRETF ETF/EQUITY 81369Y100 13 295 SH   SOLE 0 295 0 0
MATERIALS SELECT SECTOR SPDRETF ETF/EQUITY 81369Y100 438 9,725 SH   DFND 0 9,725 0 0
HEALTH CARE SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y209 60 675 SH   SOLE 0 675 0 0
CONSUMER STAPLES SECTOR SPDR ETF/EQUITY 81369Y308 33 600 SH   SOLE 0 600 0 0
CONSUMER DISCRET SEL SECT SPDR ETF ETF/EQUITY 81369Y407 60 608 SH   SOLE 0 608 0 0
ENERGY SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y506 113 3,895 SH   SOLE 0 3,895 0 0
ENERGY SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y506 16 560 SH   DFND 0 560 0 0
SPDR FINANCIAL SELECT SECTOR ETF/EQUITY 81369Y605 646 31,045 SH   SOLE 0 30,820 0 225
SPDR FINANCIAL SELECT SECTOR ETF/EQUITY 81369Y605 8 375 SH   DFND 0 375 0 0
TECHNOLOGY SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y803 1,087 13,530 SH   SOLE 0 13,500 0 30
TECHNOLOGY SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y803 555 6,904 SH   DFND 0 6,904 0 0
REAL ESTATE SELECT SECTOR SPDR ETF/OTHER 81369Y860 3 83 SH   SOLE 0 83 0 0
UTILITIES SELECT SECTOR SPDRETF ETF/EQUITY 81369Y886 96 1,737 SH   SOLE 0 1,737 0 0
SEMPRA ENERGY COMMON STOCK 816851109 444 3,930 SH   SOLE 0 3,930 0 0
SEMPRA ENERGY COMMON STOCK 816851109 115 1,020 SH   DFND 0 1,020 0 0
SIERRA WIRELESS INC FOREIGN EQUITIES 826516106 6 1,000 SH   DFND 0 1,000 0 0
SOUTHERN COMPANY COMMON STOCK 842587107 556 10,268 SH   SOLE 0 10,268 0 0
SOUTHERN COMPANY COMMON STOCK 842587107 100 1,842 SH   DFND 0 1,842 0 0
SOUTHERN COPPER CORP COMMON STOCK 84265V105 9 303 SH   DFND 0 303 0 0
STANLEY BLACK & DECKER INC COMMON STOCK 854502101 50 500 SH   SOLE 0 500 0 0
STANLEY BLACK & DECKER INC COMMON STOCK 854502101 200 2,000 SH   DFND 0 2,000 0 0
STARBUCKS CORP COMMON STOCK 855244109 591 8,988 SH   SOLE 0 8,988 0 0
STARBUCKS CORP COMMON STOCK 855244109 28 420 SH   DFND 0 420 0 0
STATE STREET CORP COMMON STOCK 857477103 122 2,296 SH   SOLE 0 2,296 0 0
STATE STREET CORP COMMON STOCK 857477103 43 800 SH   DFND 0 800 0 0
STERICYCLE INC COMMON STOCK 858912108 117 2,400 SH   DFND 0 2,400 0 0
STRYKER CORP COMMON STOCK 863667101 1,115 6,695 SH   SOLE 0 6,695 0 0
STRYKER CORP COMMON STOCK 863667101 30 179 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 38 301 SH   SOLE 0 301 0 0
SUN LIFE FINANCIAL INC FOREIGN EQUITIES 866796105 87 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 40 2,500 SH   DFND 0 2,500 0 0
SYSCO CORP COMMON STOCK 871829107 1,064 23,315 SH   SOLE 0 23,315 0 0
SYSCO CORP COMMON STOCK 871829107 471 10,330 SH   DFND 0 10,330 0 0
TJX COMPANIES COMMON STOCK 872540109 104 2,184 SH   SOLE 0 2,184 0 0
TJX COMPANIES COMMON STOCK 872540109 8 170 SH   DFND 0 170 0 0
TARGET CORP COMMON STOCK 87612E106 414 4,456 SH   SOLE 0 4,456 0 0
TARGET CORP COMMON STOCK 87612E106 11 117 SH   DFND 0 117 0 0
TC ENERGY CORP FOREIGN EQUITIES 87807B107 368 8,300 SH   SOLE 0 8,300 0 0
TELEDYNE TECHNOLOGIES INC COMMON STOCK 879360105 56 187 SH   DFND 0 187 0 0
TENARIS SA ADR FOREIGN EQUITIES 88031M109 12 1,000 SH   SOLE 0 1,000 0 0
TEVA PHARMACEUTICAL INDS LTDADR FOREIGN EQUITIES 881624209 1 62 SH   SOLE 0 62 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 2,535 25,365 SH   SOLE 0 25,365 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 295 2,955 SH   DFND 0 2,955 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 350 1,234 SH   SOLE 0 1,234 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 156 550 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 3,691 27,038 SH   SOLE 0 27,038 0 0
3M COMPANY COMMON STOCK 88579Y101 473 3,468 SH   DFND 0 3,468 0 0
TOMPKINS FINANCIAL CORP COMMON STOCK 890110109 176 2,450 SH   SOLE 0 2,450 0 0
TORONTO DOMINION BANK FOREIGN EQUITIES 891160509 587 13,844 SH   SOLE 0 13,844 0 0
TORONTO DOMINION BANK FOREIGN EQUITIES 891160509 39 925 SH   DFND 0 925 0 0
TOTAL SA ADR FOREIGN EQUITIES 89151E109 47 1,265 SH   SOLE 0 1,265 0 0
TOYOTA MOTOR CORP FOREIGN EQUITIES 892331307 24 200 SH   SOLE 0 200 0 0
TOYOTA MOTOR CORP FOREIGN EQUITIES 892331307 72 600 SH   DFND 0 600 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109 462 4,650 SH   SOLE 0 4,650 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109 38 380 SH   DFND 0 380 0 0
TRUIST FINANCIAL CORP COMMON STOCK 89832Q109 799 25,902 SH   SOLE 0 25,902 0 0
TRUIST FINANCIAL CORP COMMON STOCK 89832Q109 68 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 1 22 SH   DFND 0 22 0 0
II-VI INC COMMON STOCK 902104108 6 200 SH   DFND 0 200 0 0
US BANCORP COMMON STOCK 902973304 1,837 53,330 SH   SOLE 0 53,330 0 0
US BANCORP COMMON STOCK 902973304 288 8,365 SH   DFND 0 8,365 0 0
UNION PACIFIC CORP COMMON STOCK 907818108 653 4,633 SH   SOLE 0 4,633 0 0
UNION PACIFIC CORP COMMON STOCK 907818108 155 1,100 SH   DFND 0 1,100 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 1,759 18,832 SH   SOLE 0 18,832 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 150 1,611 SH   DFND 0 1,611 0 0
UNITED STATES STEEL CORP COMMON STOCK 912909108 0 35 SH   DFND 0 35 0 0
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 1,878 19,905 SH   SOLE 0 19,905 0 0
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 454 4,811 SH   DFND 0 4,811 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 1,780 7,136 SH   SOLE 0 7,136 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 133 535 SH   DFND 0 535 0 0
UNITI GROUP INC COMMON STOCK 91325V108 0 21 SH   SOLE 0 21 0 0
UNITI GROUP INC COMMON STOCK 91325V108 1 200 SH   DFND 0 200 0 0
VF CORP COMMON STOCK 918204108 754 13,938 SH   SOLE 0 13,938 0 0
VF CORP COMMON STOCK 918204108 27 492 SH   DFND 0 492 0 0
VALERO ENERGY CORP COMMON STOCK 91913Y100 9 200 SH   SOLE 0 200 0 0
VALLEY NATL BANCORP COMMON STOCK 919794107 112 15,356 SH   SOLE 0 15,356 0 0
VANECK VECTORS GOLD MINERS ETF ETF/INTERNATIONAL EQUITY 92189F106 461 20,000 SH   DFND 0 20,000 0 0
VANECK VECTORS AGRIBUSINESS ETF ETF/EQUITY 92189F700 26 500 SH   SOLE 0 500 0 0
VANECK VECTORS JPM EM LC BD ETF ETF/INTERNATIONAL FIXED INCOME 92189H300 1,094 38,430 SH   SOLE 0 38,270 0 160
VANECK VECTORS JPM EM LC BD ETF ETF/INTERNATIONAL FIXED INCOME 92189H300 6 200 SH   DFND 0 200 0 0
VANECK VECTORS HIGH YLD MUNI ETF/FIXED INCOME 92189H409 39 750 SH   SOLE 0 750 0 0
VANGUARD DIVIDEND APPRECIATION ETF ETF/EQUITY 921908844 819 7,917 SH   SOLE 0 7,917 0 0
VANGUARD DIVIDEND APPRECIATION ETF ETF/EQUITY 921908844 716 6,928 SH   DFND 0 6,928 0 0
VANGUARD TOTAL INTL STOCK ETF ETF/INTERNATIONAL EQUITY 921909768 123 2,934 SH   SOLE 0 2,934 0 0
VANGUARD MEGA CAP GROWTH ETF/EQUITY 921910816 11 85 SH   SOLE 0 85 0 0
VANGUARD INTERM-TERM BOND ETF ETF/FIXED INCOME 921937819 148 1,660 SH   SOLE 0 1,660 0 0
VANGUARD SHORT TERM BOND ETF ETF/FIXED INCOME 921937827 844 10,272 SH   SOLE 0 9,952 0 320
VANGUARD SHORT TERM BOND ETF ETF/FIXED INCOME 921937827 149 1,812 SH   DFND 0 1,812 0 0
VANGUARD TOTAL BOND MRKT ETF ETF/FIXED INCOME 921937835 1,035 12,130 SH   SOLE 0 12,130 0 0
VANGUARD TOTAL BOND MRKT ETF ETF/FIXED INCOME 921937835 133 1,564 SH   DFND 0 1,564 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF/INTERNATIONAL EQUITY 921943858 17 500 SH   DFND 0 500 0 0
VANGUARD FINANCIALS ETF ETF/EQUITY 92204A405 486 9,575 SH   SOLE 0 9,575 0 0
VANGUARD FINANCIALS ETF ETF/EQUITY 92204A405 136 2,690 SH   DFND 0 2,690 0 0
VANGUARD HEALTH CARE ETF ETF/EQUITY 92204A504 13 81 SH   SOLE 0 81 0 0
VANGUARD HEALTH CARE ETF ETF/EQUITY 92204A504 288 1,732 SH   DFND 0 1,732 0 0
VANGUARD INDUSTRIALS ETF ETF/EQUITY 92204A603 485 4,400 SH   DFND 0 4,400 0 0
VANGUARD INFO TECH ETF ETF/EQUITY 92204A702 744 3,509 SH   SOLE 0 3,509 0 0
VANGUARD INFO TECH ETF ETF/EQUITY 92204A702 720 3,397 SH   DFND 0 3,397 0 0
VANGUARD UTILITIES ETF ETF/EQUITY 92204A876 146 1,198 SH   SOLE 0 1,198 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 922042858 1,298 38,694 SH   SOLE 0 38,694 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 922042858 203 6,058 SH   DFND 0 6,058 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 2,271 28,708 SH   SOLE 0 28,708 0 0
VANGUARD SHORT TERM CORP BOND ETF ETF/FIXED INCOME 92206C409 560 7,085 SH   DFND 0 7,085 0 0
VANGUARD INTERM-TERM GOVT BDETF ETF/FIXED INCOME 92206C706 1,396 19,790 SH   SOLE 0 19,390 0 400
VANGUARD INTERM-TERM GOVT BDETF ETF/FIXED INCOME 92206C706 44 625 SH   DFND 0 625 0 0
VARIAN MEDICAL SYSTEMS INC COMMON STOCK 92220P105 17 166 SH   SOLE 0 166 0 0
VANGUARD S&P 500 ETF ETF/EQUITY 922908363 498 2,103 SH   SOLE 0 2,103 0 0
VANGUARD MIDCAP VALUE ETF ETF/EQUITY 922908512 29 354 SH   DFND 0 354 0 0
VANGUARD MIDCAP GROWTH ETF ETF/EQUITY 922908538 38 300 SH   SOLE 0 300 0 0
VANGUARD MIDCAP GROWTH ETF ETF/EQUITY 922908538 39 309 SH   DFND 0 309 0 0
VANGUARD REIT ETF ETF/EQUITY 922908553 91 1,304 SH   SOLE 0 1,304 0 0
VANGUARD SMALLCAP GROWTH ETF ETF/EQUITY 922908595 13 88 SH   SOLE 0 88 0 0
VANGUARD SMALLCAP VALUE ETF ETF/EQUITY 922908611 262 2,950 SH   SOLE 0 2,950 0 0
VANGUARD MIDCAP ETF ETF/EQUITY 922908629 97 738 SH   SOLE 0 738 0 0
VANGUARD GROWTH ETF ETF/EQUITY 922908736 8 50 SH   SOLE 0 50 0 0
VANGUARD GROWTH ETF ETF/EQUITY 922908736 171 1,089 SH   DFND 0 1,089 0 0
VANGUARD SMALLCAP ETF ETF/EQUITY 922908751 147 1,275 SH   SOLE 0 1,275 0 0
VANGUARD SMALLCAP ETF ETF/EQUITY 922908751 91 787 SH   DFND 0 787 0 0
VANGUARD TOTAL STOCK MARKET ETF ETF/EQUITY 922908769 8,348 64,762 SH   DFND 0 64,762 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 6,788 126,357 SH   SOLE 0 126,357 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 1,710 31,835 SH   DFND 0 31,835 0 0
VISA INC CLASS A COMMON STOCK 92826C839 1,074 6,663 SH   SOLE 0 6,663 0 0
VISA INC CLASS A COMMON STOCK 92826C839 41 254 SH   DFND 0 254 0 0
WP CAREY INC COMMON STOCK 92936U109 44 762 SH   SOLE 0 762 0 0
WEC ENERGY GROUP INC COMMON STOCK 92939U106 207 2,347 SH   SOLE 0 2,347 0 0
WABTEC CORP COMMON STOCK 929740108 2 38 SH   DFND 0 38 0 0
WAL MART STORES INC COMMON STOCK 931142103 3,447 30,335 SH   SOLE 0 30,335 0 0
WAL MART STORES INC COMMON STOCK 931142103 700 6,158 SH   DFND 0 6,158 0 0
WALGREENS BOOTS ALLIANCE INC COMMON STOCK 931427108 228 4,987 SH   SOLE 0 4,987 0 0
WALGREENS BOOTS ALLIANCE INC COMMON STOCK 931427108 43 935 SH   DFND 0 935 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109 46 502 SH   SOLE 0 502 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109 9 100 SH   DFND 0 100 0 0
WELLS FARGO & CO COMMON STOCK 949746101 776 27,051 SH   SOLE 0 27,051 0 0
WELLS FARGO & CO COMMON STOCK 949746101 28 977 SH   DFND 0 977 0 0
WELLTOWER INC COMMON STOCK 95040Q104 9 200 SH   DFND 0 200 0 0
WEYERHAEUSER CO COMMON STOCK 962166104 27 1,600 SH   SOLE 0 1,600 0 0
WISDOMTREE US HIGH DIVIDEND ETF ETF/EQUITY 97717W208 1,639 28,965 SH   SOLE 0 28,965 0 0
WISDOMTREE US HIGH DIVIDEND ETF ETF/EQUITY 97717W208 52 925 SH   DFND 0 925 0 0
WISDOMTREE TRUST MIDCAP DIVI FD ETF/EQUITY 97717W505 3 113 SH   SOLE 0 113 0 0
WISDOMTREE SMALLCAP DIVIDEND ETF/EQUITY 97717W604 16 900 SH   DFND 0 900 0 0
SPDR GOLD MINISHARES ETF/OTHER 98149E204 17 1,050 SH   SOLE 0 1,050 0 0
XCEL ENERGY INC COMMON STOCK 98389B100 5 75 SH   SOLE 0 75 0 0
XYLEM INC COMMON STOCK 98419M100 61 940 SH   SOLE 0 940 0 0
ZIMMER HOLDINGS INC COMMON STOCK 98956P102 404 4,000 SH   DFND 0 4,000 0 0