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
AMCOR PLC FOREIGN EQUITIES G0250X107 1,901 177,124 SH   SOLE 0 177,124 0 0
AMCOR PLC FOREIGN EQUITIES G0250X107 163 15,230 SH   DFND 0 15,230 0 0
AMDOCS LTD FOREIGN EQUITIES G02602103 1 14 SH   SOLE 0 14 0 0
AON PLC SHS CL A FOREIGN EQUITIES G0403H108 3 12 SH   SOLE 0 12 0 0
ATLASSIAN CORP PLC CL A FOREIGN EQUITIES G06242104 2 9 SH   SOLE 0 9 0 0
ACCENTURE PLC CL A FOREIGN EQUITIES G1151C101 8 31 SH   SOLE 0 31 0 0
COCA COLA EUROPEAN PARTNERS FOREIGN EQUITIES G25839104 1 23 SH   SOLE 0 23 0 0
EATON CORP PLC FOREIGN EQUITIES G29183103 31 232 SH   SOLE 0 232 0 0
EATON CORP PLC FOREIGN EQUITIES G29183103 246 1,848 SH   DFND 0 1,848 0 0
EVEREST RE GROUP LTD FOREIGN EQUITIES G3223R108 1 4 SH   SOLE 0 4 0 0
GENPACT LTD FOREIGN EQUITIES G3922B107 6 148 SH   SOLE 0 148 0 0
GLOBALFOUNDRIES INC COMMON STOCK G39387108 0 6 SH   SOLE 0 6 0 0
JOHNSON CTLS INTL PLC FOREIGN EQUITIES G51502105 8 162 SH   SOLE 0 162 0 0
LINDE PLC FOREIGN EQUITIES G5494J103 49 183 SH   SOLE 0 183 0 0
MEDTRONIC PLC FOREIGN EQUITIES G5960L103 21 260 SH   SOLE 0 260 0 0
MEDTRONIC PLC FOREIGN EQUITIES G5960L103 8 100 SH   DFND 0 100 0 0
NOVOCURE LTD ORD SHS COMMON STOCK G6674U108 2 25 SH   SOLE 0 25 0 0
SEAGATE TECHNOLOGY HLDNGS PLORD SHS FOREIGN EQUITIES G7997R103 1 16 SH   SOLE 0 16 0 0
TRANE TECHNOLOGIES PLC FOREIGN EQUITIES G8994E103 180 1,242 SH   SOLE 0 1,242 0 0
WHITE MTNS INS GROUP LTD FOREIGN EQUITIES G9618E107 43 33 SH   SOLE 0 33 0 0
WHITE MTNS INS GROUP LTD FOREIGN EQUITIES G9618E107 44 34 SH   DFND 0 34 0 0
WILLIS TOWERS WATSON PLC LTDSHS FOREIGN EQUITIES G96629103 3 16 SH   SOLE 0 16 0 0
XP INC FOREIGN EQUITIES G98239109 1 73 SH   SOLE 0 73 0 0
CHUBB LTD FOREIGN EQUITIES H1467J104 2,027 11,146 SH   SOLE 0 11,146 0 0
CHUBB LTD FOREIGN EQUITIES H1467J104 284 1,563 SH   DFND 0 1,563 0 0
UBS GROUP AG FOREIGN EQUITIES H42097107 15 1,000 SH   DFND 0 1,000 0 0
TE CONNECTIVITY LTD FOREIGN EQUITIES H84989104 1 9 SH   SOLE 0 9 0 0
INMODE LTD SHS FOREIGN EQUITIES M5425M103 0 11 SH   SOLE 0 11 0 0
ASML HOLDING NV ADR FOREIGN EQUITIES N07059210 16 38 SH   SOLE 0 38 0 0
NXP SEMICONDUCTORS NV FOREIGN EQUITIES N6596X109 5 31 SH   SOLE 0 31 0 0
ABB LTD ADR FOREIGN EQUITIES 000375204 3 124 SH   SOLE 0 124 0 0
ACV AUCTIONS INC CL A COMMON STOCK 00091G104 0 38 SH   SOLE 0 38 0 0
AFLAC INC COMMON STOCK 001055102 80 1,423 SH   SOLE 0 1,423 0 0
AFLAC INC COMMON STOCK 001055102 10 175 SH   DFND 0 175 0 0
AGCO CORP COMMON STOCK 001084102 1 11 SH   SOLE 0 11 0 0
AGCO CORP COMMON STOCK 001084102 10 100 SH   DFND 0 100 0 0
AT&T INC COMMON STOCK 00206R102 2,416 157,504 SH   SOLE 0 157,504 0 0
AT&T INC COMMON STOCK 00206R102 473 30,857 SH   DFND 0 30,857 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100 3,674 37,966 SH   SOLE 0 37,966 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100 634 6,550 SH   DFND 0 6,550 0 0
ABBVIE INC COMMON STOCK 00287Y109 6,483 48,308 SH   SOLE 0 48,308 0 0
ABBVIE INC COMMON STOCK 00287Y109 1,078 8,034 SH   DFND 0 8,034 0 0
ABRDN BBRG ALL COMMODITY ETF/OTHER 003261104 415 16,090 SH   SOLE 0 16,000 0 90
ABRDN BBRG ALL COMMODITY ETF/OTHER 003261104 4 150 SH   DFND 0 150 0 0
ABIOMED INC COMMON STOCK 003654100 1 4 SH   SOLE 0 4 0 0
ACTIVISION BLIZZARD INC COMMON STOCK 00507V109 2 24 SH   SOLE 0 24 0 0
ADOBE INC COMMON STOCK 00724F101 105 383 SH   SOLE 0 383 0 0
ADVANCED MICRO DEVICES INC COMMON STOCK 007903107 3 50 SH   SOLE 0 50 0 0
AGILENT TECHNOLOGIES INC COMMON STOCK 00846U101 9 76 SH   DFND 0 76 0 0
AGENUS INC COMMON STOCK 00847G705 1 300 SH   SOLE 0 300 0 0
AGILON HEALTH INC COMMON STOCK 00857U107 0 5 SH   SOLE 0 5 0 0
AIM IMMUNOTECH INC COMMON STOCK 00901B105 8 13,226 SH   SOLE 0 13,226 0 0
AIRBNB INC CL A COMMON STOCK 009066101 3 29 SH   SOLE 0 29 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 855 3,674 SH   SOLE 0 3,674 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 329 1,413 SH   DFND 0 1,413 0 0
ALBEMARLE CORP COMMON STOCK 012653101 1,510 5,710 SH   SOLE 0 5,710 0 0
ALBEMARLE CORP COMMON STOCK 012653101 592 2,240 SH   DFND 0 2,240 0 0
ALCOA CORPORATION COMMON STOCK 013872106 0 1 SH   SOLE 0 1 0 0
ALGONQUIN PWR UTILS CORP FOREIGN EQUITIES 015857105 11 1,000 SH   SOLE 0 1,000 0 0
ALIGN TECHNOLOGY INC COMMON STOCK 016255101 1 4 SH   SOLE 0 4 0 0
ALLISON TRANSMISSION HLDGS COMMON STOCK 01973R101 5 150 SH   SOLE 0 150 0 0
THE ALLSTATE CORPORATION COMMON STOCK 020002101 1 9 SH   SOLE 0 9 0 0
THE ALLSTATE CORPORATION COMMON STOCK 020002101 12 100 SH   DFND 0 100 0 0
ALLY FINANCIAL INC COMMON STOCK 02005N100 3 92 SH   SOLE 0 92 0 0
ALNYLAM PHARMACEUTICALS INC COMMON STOCK 02043Q107 1 5 SH   SOLE 0 5 0 0
ALPHABET INC CLASS C COMMON STOCK 02079K107 606 6,300 SH   SOLE 0 6,300 0 0
ALPHABET INC CLASS C COMMON STOCK 02079K107 237 2,460 SH   DFND 0 2,460 0 0
ALPHABET INC CLASS A COMMON STOCK 02079K305 3,077 32,165 SH   SOLE 0 32,165 0 0
ALPHABET INC CLASS A COMMON STOCK 02079K305 719 7,520 SH   DFND 0 7,520 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 165 4,084 SH   SOLE 0 4,084 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 84 2,079 SH   DFND 0 2,079 0 0
AMAZON.COM INC COMMON STOCK 023135106 2,242 19,840 SH   SOLE 0 19,840 0 0
AMAZON.COM INC COMMON STOCK 023135106 339 3,000 SH   DFND 0 3,000 0 0
AMEREN CORPORATION COMMON STOCK 023608102 201 2,498 SH   SOLE 0 2,498 0 0
AMERICAN AIRLINES GROUP INC COMMON STOCK 02376R102 1 70 SH   SOLE 0 70 0 0
AMERICAN ELECTRIC POWER CO COMMON STOCK 025537101 1,150 13,298 SH   SOLE 0 13,298 0 0
AMERICAN ELECTRIC POWER CO COMMON STOCK 025537101 195 2,250 SH   DFND 0 2,250 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 1,106 8,198 SH   SOLE 0 8,198 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 26 192 SH   DFND 0 192 0 0
AMERICAN INTERNATIONAL GROUP COMMON STOCK 026874784 1 27 SH   SOLE 0 27 0 0
AMERICAN TOWER CORP COMMON STOCK 03027X100 574 2,675 SH   SOLE 0 2,675 0 0
AMERICAN TOWER CORP COMMON STOCK 03027X100 775 3,610 SH   DFND 0 3,610 0 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103 13 100 SH   SOLE 0 100 0 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103 260 2,000 SH   DFND 0 2,000 0 0
AMERIPRISE FINANCIAL INC COMMON STOCK 03076C106 0 1 SH   SOLE 0 1 0 0
AMETEK INC COMMON STOCK 031100100 113 1,000 SH   SOLE 0 1,000 0 0
AMETEK INC COMMON STOCK 031100100 567 5,000 SH   DFND 0 5,000 0 0
AMGEN INC COMMON STOCK 031162100 2,695 11,955 SH   SOLE 0 11,955 0 0
AMGEN INC COMMON STOCK 031162100 669 2,966 SH   DFND 0 2,966 0 0
AMKOR TECHNOLOGY INC COMMON STOCK 031652100 1 48 SH   SOLE 0 48 0 0
ANALOG DEVICES INC COMMON STOCK 032654105 12 85 SH   SOLE 0 85 0 0
ANHEUSER BUSCH INBEV SA/NV ADR FOREIGN EQUITIES 03524A108 2 45 SH   SOLE 0 45 0 0
ELEVANCE HEALTH INC COMMON STOCK 036752103 744 1,638 SH   SOLE 0 1,638 0 0
APA CORPORATION COMMON STOCK 03743Q108 3 88 SH   SOLE 0 88 0 0
APOLLO COMM REAL ESTATE COMMON STOCK 03762U105 17 2,000 SH   DFND 0 2,000 0 0
APPLE INC COMMON STOCK 037833100 56,878 411,563 SH   SOLE 0 411,563 0 0
APPLE INC COMMON STOCK 037833100 788 5,701 SH   DFND 0 5,701 0 0
APPLIED MATERIALS INC COMMON STOCK 038222105 78 954 SH   SOLE 0 954 0 0
APPLOVIN CORP CL A COMMON STOCK 03831W108 0 2 SH   SOLE 0 2 0 0
ARCELORMITTAL S.A. FOREIGN EQUITIES 03938L203 2 109 SH   SOLE 0 109 0 0
ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102 342 4,250 SH   SOLE 0 4,250 0 0
ARGENX SE SPONSORED ADR FOREIGN EQUITIES 04016X101 1 4 SH   SOLE 0 4 0 0
ARRAY TECHNOLOGIES INC COMMON STOCK 04271T100 1 43 SH   SOLE 0 43 0 0
ARROW ELECTRONICS INC COMMON STOCK 042735100 1 14 SH   SOLE 0 14 0 0
ASCENT SOLAR TECHNOLOGIES COMMON STOCK 043635606 0 11 SH   SOLE 0 11 0 0
ASTRAZENECA PLC ADR FOREIGN EQUITIES 046353108 17 302 SH   SOLE 0 302 0 0
AUTODESK INC COMMON STOCK 052769106 4 19 SH   SOLE 0 19 0 0
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 2,763 12,215 SH   SOLE 0 12,215 0 0
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 519 2,294 SH   DFND 0 2,294 0 0
AUTOZONE INC COMMON STOCK 053332102 6 3 SH   SOLE 0 3 0 0
AVIDITY BIOSCIENCES INC COMMON STOCK 05370A108 0 8 SH   SOLE 0 8 0 0
BCE INC FOREIGN EQUITIES 05534B760 14 340 SH   DFND 0 340 0 0
BP PLC ADR FOREIGN EQUITIES 055622104 7 238 SH   SOLE 0 238 0 0
BP PLC ADR FOREIGN EQUITIES 055622104 55 1,910 SH   DFND 0 1,910 0 0
BANCO BILBAO VIZCAYA ARGENTARIA SA FOREIGN EQUITIES 05946K101 3 597 SH   SOLE 0 597 0 0
BANK OF AMERICA CORPORATION COMMON STOCK 060505104 865 28,629 SH   SOLE 0 28,629 0 0
BANK OF AMERICA CORPORATION COMMON STOCK 060505104 239 7,921 SH   DFND 0 7,921 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 74 1,915 SH   SOLE 0 1,915 0 0
BARRICK GOLD CORPORATION FOREIGN EQUITIES 067901108 3 200 SH   SOLE 0 200 0 0
BARRICK GOLD CORPORATION FOREIGN EQUITIES 067901108 6 415 SH   DFND 0 415 0 0
BAXTER INTERNATIONAL INC COMMON STOCK 071813109 955 17,737 SH   SOLE 0 17,737 0 0
BAXTER INTERNATIONAL INC COMMON STOCK 071813109 19 350 SH   DFND 0 350 0 0
BECTON DICKINSON AND COMPANY COMMON STOCK 075887109 944 4,238 SH   SOLE 0 4,238 0 0
BECTON DICKINSON AND COMPANY COMMON STOCK 075887109 223 1,000 SH   DFND 0 1,000 0 0
BERKSHIRE HATHAWAY INC B COMMON STOCK 084670702 330 1,237 SH   SOLE 0 1,237 0 0
BERKSHIRE HILLS BANCORP INC COMMON STOCK 084680107 7 264 SH   DFND 0 264 0 0
BEST BUY INC COMMON STOCK 086516101 0 7 SH   SOLE 0 7 0 0
BHP GROUP LTD ADR FOREIGN EQUITIES 088606108 292 5,827 SH   SOLE 0 5,827 0 0
BHP GROUP LTD ADR FOREIGN EQUITIES 088606108 90 1,800 SH   DFND 0 1,800 0 0
BILIBILI INC SPONS ADS REP Z FOREIGN EQUITIES 090040106 1 44 SH   SOLE 0 44 0 0
BIOMARIN PHARMACEUTICAL INC COMMON STOCK 09061G101 1 17 SH   SOLE 0 17 0 0
BIOGEN INC COMMON STOCK 09062X103 214 800 SH   DFND 0 800 0 0
BIONTECH SE ADR FOREIGN EQUITIES 09075V102 14 103 SH   SOLE 0 103 0 0
BIONTECH SE ADR FOREIGN EQUITIES 09075V102 27 200 SH   DFND 0 200 0 0
BLACKBERRY LTD NPV FOREIGN EQUITIES 09228F103 0 83 SH   DFND 0 83 0 0
BLACKROCK INC COMMON STOCK 09247X101 388 706 SH   SOLE 0 706 0 0
BLACKROCK INC COMMON STOCK 09247X101 17 30 SH   DFND 0 30 0 0
BLACKROCK ENHANCED EQT DIV ETF/EQUITY 09251A104 46 5,703 SH   DFND 0 5,703 0 0
BLACKSTONE GROUP INC COMMON STOCK 09260D107 9 103 SH   SOLE 0 103 0 0
BLACKSTONE GROUP INC COMMON STOCK 09260D107 8 100 SH   DFND 0 100 0 0
H & R BLOCK INC COMMON STOCK 093671105 3 59 SH   SOLE 0 59 0 0
BLUE APRON HOLDINGS INC COMMON STOCK 09523Q200 0 6 SH   SOLE 0 6 0 0
BOEING COMPANY COMMON STOCK 097023105 218 1,804 SH   SOLE 0 1,804 0 0
BOEING COMPANY COMMON STOCK 097023105 24 200 SH   DFND 0 200 0 0
BORGWARNER INC COMMON STOCK 099724106 615 19,603 SH   SOLE 0 19,603 0 0
BORGWARNER INC COMMON STOCK 099724106 11 350 SH   DFND 0 350 0 0
BOSTOM PROPERTIES INC COMMON STOCK 101121101 0 2 SH   SOLE 0 2 0 0
BOSTON SCIENTIFIC CORP COMMON STOCK 101137107 11 292 SH   SOLE 0 292 0 0
BRISTOL MYERS SQUIBB COMPANY COMMON STOCK 110122108 7,014 98,670 SH   SOLE 0 98,670 0 0
BRISTOL MYERS SQUIBB COMPANY COMMON STOCK 110122108 7,516 105,719 SH   DFND 0 105,719 0 0
BRITISH AMERICAN TOBACCO ADR FOREIGN EQUITIES 110448107 5 130 SH   SOLE 0 130 0 0
BROADCOM INC COMMON STOCK 11135F101 1,665 3,750 SH   SOLE 0 3,750 0 0
BROADCOM INC COMMON STOCK 11135F101 468 1,054 SH   DFND 0 1,054 0 0
BROOKFIELD ASSET MGMT INC CLASS A FOREIGN EQUITIES 112585104 62 1,528 SH   DFND 0 1,528 0 0
BRUNSWICK CORP COMMON STOCK 117043109 1 15 SH   SOLE 0 15 0 0
BUMBLE INC CL A COMMON STOCK 12047B105 0 10 SH   SOLE 0 10 0 0
BURLINGTON STORES, INC. COMMON STOCK 122017106 0 2 SH   SOLE 0 2 0 0
CBRE GROUP INC COMMON STOCK 12504L109 6 83 SH   SOLE 0 83 0 0
CDW CORPORATION COMMON STOCK 12514G108 8 52 SH   SOLE 0 52 0 0
C H ROBINSON WORLDWIDE INC COMMON STOCK 12541W209 35 367 SH   SOLE 0 367 0 0
C H ROBINSON WORLDWIDE INC COMMON STOCK 12541W209 29 300 SH   DFND 0 300 0 0
CIGNA CORP COMMON STOCK 125523100 302 1,089 SH   SOLE 0 1,089 0 0
CIGNA CORP COMMON STOCK 125523100 90 324 SH   DFND 0 324 0 0
CNO FINANCIAL GROUP INC COMMON STOCK 12621E103 2 90 SH   SOLE 0 90 0 0
CSX CORP COMMON STOCK 126408103 279 10,460 SH   SOLE 0 10,460 0 0
CSX CORP COMMON STOCK 126408103 1,163 43,680 SH   DFND 0 43,680 0 0
CVS HEALTH CORP COMMON STOCK 126650100 3,403 35,682 SH   SOLE 0 35,682 0 0
CVS HEALTH CORP COMMON STOCK 126650100 732 7,680 SH   DFND 0 7,680 0 0
CAESARS ENTERTAINMENT INC COMMON STOCK 12769G100 1 41 SH   SOLE 0 41 0 0
CANADIAN NATL RY CO COM FOREIGN EQUITIES 13637510C 1 6 SH   SOLE 0 6 0 0
CANADIAN NAT RES LTD COM FOREIGN EQUITIES 13638510C 3 55 SH   SOLE 0 55 0 0
CAPITAL ONE FINANCIAL COMMON STOCK 14040H105 2 24 SH   SOLE 0 24 0 0
CARDINAL HEALTH INC COMMON STOCK 14149Y108 9 139 SH   SOLE 0 139 0 0
CARMAX INC COMMON STOCK 143130102 7 99 SH   SOLE 0 99 0 0
CARRIER GLOBAL CORPORATION COMMON STOCK 14448C104 380 10,695 SH   SOLE 0 10,695 0 0
CARRIER GLOBAL CORPORATION COMMON STOCK 14448C104 43 1,210 SH   DFND 0 1,210 0 0
CARVANA CO CL A COMMON STOCK 146869102 0 12 SH   SOLE 0 12 0 0
CATERPILLAR INC COMMON STOCK 149123101 3,112 18,968 SH   SOLE 0 18,968 0 0
CATERPILLAR INC COMMON STOCK 149123101 314 1,915 SH   DFND 0 1,915 0 0
CEL SCI CORP COMMON STOCK 150837607 2 500 SH   SOLE 0 500 0 0
CELSIUS HLDGS INC COMMON STOCK 15118V207 1 15 SH   SOLE 0 15 0 0
CENTENE CORP COMMON STOCK 15135B101 4 55 SH   SOLE 0 55 0 0
CENTURY ALUMINUM CO COMMON STOCK 156431108 0 11 SH   SOLE 0 11 0 0
CHARTER COMMUNICATIONS INC NCL A COMMON STOCK 16119P108 16 54 SH   SOLE 0 54 0 0
THE CHEMOURS CO COMMON STOCK 163851108 0 18 SH   SOLE 0 18 0 0
THE CHEMOURS CO COMMON STOCK 163851108 9 360 SH   DFND 0 360 0 0
CHEVRON CORP COMMON STOCK 166764100 4,194 29,189 SH   SOLE 0 29,189 0 0
CHEVRON CORP COMMON STOCK 166764100 937 6,521 SH   DFND 0 6,521 0 0
CHEWY INC CL A COMMON STOCK 16679L109 0 10 SH   SOLE 0 10 0 0
CHIPOTLE MEXICAN GRILL COMMON STOCK 169656105 8 5 SH   SOLE 0 5 0 0
CHURCH & DWIGHT CO INC COMMON STOCK 171340102 143 2,000 SH   DFND 0 2,000 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 6,277 156,913 SH   SOLE 0 156,913 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 1,256 31,393 SH   DFND 0 31,393 0 0
CITIGROUP INC COMMON STOCK 172967424 2 37 SH   SOLE 0 37 0 0
CITIZENS FINANCIAL GROUP INC COMMON STOCK 174610105 4 111 SH   SOLE 0 111 0 0
COCA COLA COMPANY COMMON STOCK 191216100 7,123 127,143 SH   SOLE 0 127,143 0 0
COCA COLA COMPANY COMMON STOCK 191216100 915 16,336 SH   DFND 0 16,336 0 0
COGNIZANT TECH SOLUTION CL A COMMON STOCK 192446102 2 35 SH   SOLE 0 35 0 0
COHERENT CORP COMMON STOCK 19247G107 7 200 SH   DFND 0 200 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 1,408 20,049 SH   SOLE 0 20,049 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 431 6,130 SH   DFND 0 6,130 0 0
COMCAST CORP CLASS A COMMON STOCK 20030N101 1,886 64,324 SH   SOLE 0 64,324 0 0
COMCAST CORP CLASS A COMMON STOCK 20030N101 106 3,631 SH   DFND 0 3,631 0 0
COMMUNITY BK SYS INC COMMON STOCK 203607106 69 1,142 SH   SOLE 0 1,142 0 0
COMMUNITY BK SYS INC COMMON STOCK 203607106 7,947 132,279 SH   DFND 0 132,279 0 0
CONAGRA FOODS INC COMMON STOCK 205887102 214 6,550 SH   SOLE 0 6,550 0 0
CONFLUENT INC CL A COMMON STOCK 20717M103 0 2 SH   SOLE 0 2 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 1,144 11,183 SH   SOLE 0 11,183 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 328 3,206 SH   DFND 0 3,206 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 237 2,760 SH   SOLE 0 2,760 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 34 400 SH   DFND 0 400 0 0
CONSTELLATION BRANDS INC COMMON STOCK 21036P108 300 1,305 SH   SOLE 0 1,305 0 0
CONSTELLATION BRANDS INC COMMON STOCK 21036P108 230 1,000 SH   DFND 0 1,000 0 0
CONSTELLATION ENERGY CORP COMMON STOCK 21037T109 8 102 SH   SOLE 0 102 0 0
CONSTELLATION ENERGY CORP COMMON STOCK 21037T109 23 282 SH   DFND 0 282 0 0
COOPER COMPANIES INC COMMON STOCK 216648402 44 166 SH   SOLE 0 166 0 0
COOPER COMPANIES INC COMMON STOCK 216648402 26 100 SH   DFND 0 100 0 0
CORNING INC COMMON STOCK 219350105 1,007 34,714 SH   SOLE 0 34,714 0 0
CORNING INC COMMON STOCK 219350105 62 2,150 SH   DFND 0 2,150 0 0
CORTEVA INC COMMON STOCK 22052L104 348 6,096 SH   SOLE 0 6,096 0 0
CORTEVA INC COMMON STOCK 22052L104 56 974 SH   DFND 0 974 0 0
COSTCO COMMON STOCK 22160K105 57 121 SH   SOLE 0 121 0 0
CRACKER BARREL COMMON STOCK 22410J106 0 3 SH   SOLE 0 3 0 0
CRANE HOLDINGS CO COMMON STOCK 224441105 1 10 SH   SOLE 0 10 0 0
CROCS INC COMMON STOCK 227046109 62 896 SH   SOLE 0 896 0 0
CROWDSTRIKE HLDGS INC CL A COMMON STOCK 22788C105 1 4 SH   SOLE 0 4 0 0
CUMMINS INC COMMON STOCK 231021106 1,852 9,098 SH   SOLE 0 9,098 0 0
CUMMINS INC COMMON STOCK 231021106 466 2,290 SH   DFND 0 2,290 0 0
DXC TECHNOLOGY CO COMMON STOCK 23355L106 1 48 SH   SOLE 0 48 0 0
DANAHER CORP COMMON STOCK 235851102 141 544 SH   SOLE 0 544 0 0
DARDEN RESTAURANTS INC COMMON STOCK 237194105 1 4 SH   SOLE 0 4 0 0
DATADOG INC CL A COMMON STOCK 23804L103 0 1 SH   SOLE 0 1 0 0
DEERE & COMPANY COMMON STOCK 244199105 35 105 SH   SOLE 0 105 0 0
DEERE & COMPANY COMMON STOCK 244199105 33 100 SH   DFND 0 100 0 0
DELL TECHNOLOGIES INC COMMON STOCK 24703L202 1 26 SH   SOLE 0 26 0 0
DELTA AIR LINES INC COMMON STOCK 247361702 2 74 SH   SOLE 0 74 0 0
DEVON ENERGY CORP COMMON STOCK 25179M103 1 11 SH   SOLE 0 11 0 0
DEXCOM INC COMMON STOCK 252131107 1 12 SH   SOLE 0 12 0 0
DIAGEO PLC ADR FOREIGN EQUITIES 25243Q205 4 23 SH   SOLE 0 23 0 0
DIAMONDBACK ENERGY, INC. COMMON STOCK 25278X109 6 52 SH   SOLE 0 52 0 0
DIGI INTL INC COMMON STOCK 253798102 14 400 SH   DFND 0 400 0 0
DIGITALOCEAN HLDGS INC COMMON STOCK 25402D102 0 8 SH   SOLE 0 8 0 0
DIME CMNTY BANCSHARES INC COMMON STOCK 25432X102 6 200 SH   SOLE 0 200 0 0
WALT DISNEY CO COMMON STOCK 254687106 2,499 26,490 SH   SOLE 0 26,490 0 0
WALT DISNEY CO COMMON STOCK 254687106 139 1,473 SH   DFND 0 1,473 0 0
DISCOVER FINANCIAL SERVICES COMMON STOCK 254709108 8 92 SH   SOLE 0 92 0 0
DOLLAR GENERAL CORP COMMON STOCK 256677105 552 2,300 SH   SOLE 0 2,300 0 0
DOLLAR GENERAL CORP COMMON STOCK 256677105 106 440 SH   DFND 0 440 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109 3,094 44,770 SH   SOLE 0 44,770 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109 924 13,377 SH   DFND 0 13,377 0 0
DONALDSON INC COMMON STOCK 257651109 11 218 SH   SOLE 0 218 0 0
DOORDASH INC CL A COMMON STOCK 25809K105 0 5 SH   SOLE 0 5 0 0
DORCHESTER MINERALS LP COMMON STOCK 25820R105 1,290 51,675 SH   SOLE 0 51,675 0 0
DOUBLEVERIFY HLDGS INC COMMON STOCK 25862V105 0 13 SH   SOLE 0 13 0 0
DOVER CORP COMMON STOCK 260003108 4 36 SH   SOLE 0 36 0 0
DOW INC COMMON STOCK 260557103 2,192 49,909 SH   SOLE 0 49,909 0 0
DOW INC COMMON STOCK 260557103 115 2,625 SH   DFND 0 2,625 0 0
DRAFTKINGS INC CL A COMMON STOCK 26142V105 3 200 SH   SOLE 0 200 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204 466 5,014 SH   SOLE 0 5,014 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204 42 450 SH   DFND 0 450 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102 2,430 48,205 SH   SOLE 0 48,205 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102 148 2,929 SH   DFND 0 2,929 0 0
DOXIMITY INC CL A COMMON STOCK 26622P107 0 8 SH   SOLE 0 8 0 0
DUTCH BROS INC COMMON STOCK 26701L100 0 10 SH   SOLE 0 10 0 0
EOG RESOURCES INC COMMON STOCK 26875P101 368 3,294 SH   SOLE 0 3,294 0 0
EOG RESOURCES INC COMMON STOCK 26875P101 6 50 SH   DFND 0 50 0 0
EASTMAN CHEMICAL CO COMMON STOCK 277432100 199 2,808 SH   SOLE 0 2,808 0 0
EBAY INC COMMON STOCK 278642103 2 64 SH   SOLE 0 64 0 0
ECOLAB INC COMMON STOCK 278865100 142 980 SH   SOLE 0 980 0 0
ECOLAB INC COMMON STOCK 278865100 36 250 SH   DFND 0 250 0 0
EDISON INTL COMMON STOCK 281020107 28 500 SH   SOLE 0 500 0 0
EDISON INTL COMMON STOCK 281020107 107 1,887 SH   DFND 0 1,887 0 0
EDWARDS LIFESCIENCES CORP COMMON STOCK 28176E108 3 42 SH   SOLE 0 42 0 0
EMERSON ELECTRIC CO COMMON STOCK 291011104 4,093 55,899 SH   SOLE 0 55,899 0 0
EMERSON ELECTRIC CO COMMON STOCK 291011104 243 3,324 SH   DFND 0 3,324 0 0
ENBRIDGE INC FOREIGN EQUITIES 29250N105 39 1,050 SH   SOLE 0 1,050 0 0
ENBRIDGE INC FOREIGN EQUITIES 29250N105 39 1,049 SH   DFND 0 1,049 0 0
ENDAVA PLC ADS FOREIGN EQUITIES 29260V105 0 3 SH   SOLE 0 3 0 0
ENERGY TRANSFER EQUITY LP COMMON STOCK 29273V100 23 2,090 SH   DFND 0 2,090 0 0
ENPHASE ENERGY INC COMMON STOCK 29355A107 2 8 SH   SOLE 0 8 0 0
ENTERGY CORP COMMON STOCK 29364G103 20 194 SH   SOLE 0 194 0 0
ENTERPRISE PRODS PARTNERS LP COMMON STOCK 293792107 31 1,296 SH   SOLE 0 1,296 0 0
EQUIFAX INC COMMON STOCK 294429105 206 1,200 SH   SOLE 0 1,200 0 0
EQUIFAX INC COMMON STOCK 294429105 446 2,600 SH   DFND 0 2,600 0 0
EQUINIX INC COMMON STOCK 29444U700 4 7 SH   SOLE 0 7 0 0
EQUINOR ASA ADR FOREIGN EQUITIES 29446M102 8 249 SH   SOLE 0 249 0 0
ERICSSON L M TEL CO ADR B SEK 10 FOREIGN EQUITIES 294821608 1 169 SH   SOLE 0 169 0 0
ESSENTIAL UTILITIES INC COMMON STOCK 29670G102 876 21,179 SH   SOLE 0 21,179 0 0
ESSENTIAL UTILITIES INC COMMON STOCK 29670G102 67 1,613 SH   DFND 0 1,613 0 0
ETSY INC COMMON STOCK 29786A106 1 5 SH   SOLE 0 5 0 0
EVERGY INC COMMON STOCK 30034W106 3 43 SH   SOLE 0 43 0 0
EXACT SCIENCES CORP COMMON STOCK 30063P105 1 19 SH   SOLE 0 19 0 0
EXELON CORP COMMON STOCK 30161N101 667 17,820 SH   SOLE 0 17,820 0 0
EXELON CORP COMMON STOCK 30161N101 260 6,955 SH   DFND 0 6,955 0 0
EXPEDIA INC COMMON STOCK 30212P303 1 13 SH   SOLE 0 13 0 0
EXPEDITORS INTL WASH INC COMMON STOCK 302130109 0 2 SH   SOLE 0 2 0 0
EXPENSIFY INC COM CL A COMMON STOCK 30219Q106 0 13 SH   SOLE 0 13 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102 4,073 46,648 SH   SOLE 0 46,648 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102 1,081 12,383 SH   DFND 0 12,383 0 0
FS KKR CAPITAL CORP COMMON STOCK 302635206 11 621 SH   SOLE 0 621 0 0
META PLATFORMS INC COMMON STOCK 30303M102 46 340 SH   SOLE 0 340 0 0
META PLATFORMS INC COMMON STOCK 30303M102 38 280 SH   DFND 0 280 0 0
FASTENAL CO COMMON STOCK 311900104 16 350 SH   SOLE 0 350 0 0
FASTENAL CO COMMON STOCK 311900104 276 6,000 SH   DFND 0 6,000 0 0
FEDEX CORP COMMON STOCK 31428X106 420 2,830 SH   SOLE 0 2,830 0 0
FEDEX CORP COMMON STOCK 31428X106 16 110 SH   DFND 0 110 0 0
FIDELITY NATL INFORMATION SV COMMON STOCK 31620M106 87 1,153 SH   SOLE 0 1,153 0 0
FIDELITY NATL INFORMATION SV COMMON STOCK 31620M106 76 1,000 SH   DFND 0 1,000 0 0
FIFTH THIRD BANCORP COMMON STOCK 316773100 21 655 SH   DFND 0 655 0 0
FIRST AMERN FINL CORP COM COMMON STOCK 31847R102 1 16 SH   SOLE 0 16 0 0
FIRST HORIZON NATL CORP COMMON STOCK 320517105 11 500 SH   SOLE 0 500 0 0
FIRST SOLAR, INC. COMMON STOCK 336433107 661 5,000 SH   DFND 0 5,000 0 0
FISERV INC COMMON STOCK 337738108 1 15 SH   SOLE 0 15 0 0
FLEXSHARES GLOBAL UPSTREAM NATURAL RESOURCES ETF/INTERNATIONAL EQUITY 33939L407 1,289 34,280 SH   SOLE 0 34,280 0 0
FLEXSHARES GLOBAL UPSTREAM NATURAL RESOURCES ETF/INTERNATIONAL EQUITY 33939L407 49 1,300 SH   DFND 0 1,300 0 0
FOOT LOCKER INC COMMON STOCK 344849104 1 29 SH   SOLE 0 29 0 0
FORD MOTOR COMPANY COMMON STOCK 345370860 23 2,056 SH   SOLE 0 2,056 0 0
FORD MOTOR COMPANY COMMON STOCK 345370860 9 800 SH   DFND 0 800 0 0
FORTIVE CORP COMMON STOCK 34959J108 6 105 SH   SOLE 0 105 0 0
FORTUNE BRANDS HOME & SEC COMMON STOCK 34964C106 32 600 SH   SOLE 0 600 0 0
FOX CORP COMMON STOCK 35137L105 170 5,525 SH   SOLE 0 5,525 0 0
FRANCO NEVADA CORP FOREIGN EQUITIES 351858105 16 132 SH   DFND 0 132 0 0
FREEPORT MCMORAN INC COMMON STOCK 35671D857 227 8,299 SH   SOLE 0 8,299 0 0
FREEPORT MCMORAN INC COMMON STOCK 35671D857 3 100 SH   DFND 0 100 0 0
FRESENIUS MEDICAL CARE AG & CO KGAA FOREIGN EQUITIES 358029106 1 100 SH   DFND 0 100 0 0
GFL ENVIRONMENTAL INC SUB VTG SHS FOREIGN EQUITIES 36168Q10C 1 44 SH   SOLE 0 44 0 0
GFL ENVIRONMENTAL INC FOREIGN EQUITIES 36168Q104 8 316 SH   SOLE 0 316 0 0
GABELLI MULTIMEDIA TR INC CLOSED END MUTUAL FUNDS 36239Q109 2 299 SH   DFND 0 299 0 0
GABELLI EQUITY TR INC CLOSED END MUTUAL FUNDS 362397101 6 1,000 SH   DFND 0 1,000 0 0
GABELLI UTILITY TRUST CLOSED END MUTUAL FUNDS 36240A101 2 330 SH   DFND 0 330 0 0
GAP INC COMMON STOCK 364760108 16 2,000 SH   SOLE 0 2,000 0 0
GARTNER INC COMMON STOCK 366651107 3 10 SH   SOLE 0 10 0 0
GENERAC HOLDINGS COMMON STOCK 368736104 0 2 SH   SOLE 0 2 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 1,745 8,225 SH   SOLE 0 8,225 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 51 240 SH   DFND 0 240 0 0
GENERAL ELECTRIC CO COMMON STOCK 369604301 113 1,825 SH   SOLE 0 1,825 0 0
GENERAL ELECTRIC CO COMMON STOCK 369604301 21 337 SH   DFND 0 337 0 0
GENERAL MILLS INC COMMON STOCK 370334104 3,236 42,241 SH   SOLE 0 42,241 0 0
GENERAL MILLS INC COMMON STOCK 370334104 597 7,790 SH   DFND 0 7,790 0 0
GENERAL MOTORS CO COMMON STOCK 37045V100 2 67 SH   SOLE 0 67 0 0
GENMAB A/S SPONSORED ADS FOREIGN EQUITIES 372303206 3 103 SH   SOLE 0 103 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 1,141 18,499 SH   SOLE 0 18,499 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 151 2,450 SH   DFND 0 2,450 0 0
GLAXOSMITHKLINE PLC 25P ADR FOREIGN EQUITIES 37733W204 12 408 SH   SOLE 0 408 0 0
GLOBAL X MLP ETF ETF/EQUITY 37954Y343 27 680 SH   SOLE 0 680 0 0
GLOBAL X LITHIUM & BATTERY TECH ETF ETF/INTERNATIONAL EQUITY 37954Y855 70 1,055 SH   SOLE 0 1,040 0 15
GLOBAL X LITHIUM & BATTERY TECH ETF ETF/INTERNATIONAL EQUITY 37954Y855 2 25 SH   DFND 0 25 0 0
GLOBE LIFE INC COM COMMON STOCK 37959E102 1 8 SH   SOLE 0 8 0 0
GOLDMAN SACHS ACCESS ULTRAST ETF/FIXED INCOME 381430230 99 2,000 SH   SOLE 0 2,000 0 0
GOLDMAN SACHS JUST US LARGE CAP EQUITY ETF ETF/EQUITY 381430396 8 165 SH   SOLE 0 165 0 0
GOODRX HLDGS INC COM CL A COMMON STOCK 38246G108 0 17 SH   SOLE 0 17 0 0
GRAINGER W W INC COMMON STOCK 384802104 5 10 SH   SOLE 0 10 0 0
GUARDANT HEALTH INC COM COMMON STOCK 40131M109 1 25 SH   SOLE 0 25 0 0
HCA HOLDINGS INC COMMON STOCK 40412C101 2 9 SH   SOLE 0 9 0 0
HDFC BANK LTD FOREIGN EQUITIES 40415F101 4 76 SH   SOLE 0 76 0 0
HP INC COMMON STOCK 40434L105 2 62 SH   SOLE 0 62 0 0
HALEON PLC FOREIGN EQUITIES 405552100 3 573 SH   SOLE 0 573 0 0
HALLIBURTON CO COMMON STOCK 406216101 0 10 SH   SOLE 0 10 0 0
HARLEY DAVIDSON INC COMMON STOCK 412822108 8 222 SH   SOLE 0 222 0 0
HERSHEY CO COMMON STOCK 427866108 207 938 SH   SOLE 0 938 0 0
HERSHEY CO COMMON STOCK 427866108 220 1,000 SH   DFND 0 1,000 0 0
HERTZ GLOBAL HLDGS INC COM NEW COMMON STOCK 42806J700 0 6 SH   SOLE 0 6 0 0
HESS CORP COMMON STOCK 42809H107 11 102 SH   SOLE 0 102 0 0
HILTON WORLDWIDE HLDGS INC COMMON STOCK 43300A203 2 14 SH   SOLE 0 14 0 0
HOME DEPOT INC COMMON STOCK 437076102 3,118 11,300 SH   SOLE 0 11,300 0 0
HOME DEPOT INC COMMON STOCK 437076102 44 160 SH   DFND 0 160 0 0
HONEYWELL INTL INC COMMON STOCK 438516106 1,924 11,523 SH   SOLE 0 11,523 0 0
HONEYWELL INTL INC COMMON STOCK 438516106 47 284 SH   DFND 0 284 0 0
HUBSPOT INC COM COMMON STOCK 443573100 1 2 SH   SOLE 0 2 0 0
HUMANA INC COMMON STOCK 444859102 10 21 SH   SOLE 0 21 0 0
HUNTINGTON INGALLS INDS INC COMMON STOCK 446413106 9 39 SH   SOLE 0 39 0 0
HUNTSMAN CORP COMMON STOCK 447011107 1 23 SH   SOLE 0 23 0 0
HUTCHMED CHINA LTD SPONSORED ADS FOREIGN EQUITIES 44842L103 1 67 SH   SOLE 0 67 0 0
IAC INC COM NEW COMMON STOCK 44891N208 0 2 SH   SOLE 0 2 0 0
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109 3,426 18,967 SH   SOLE 0 18,967 0 0
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109 639 3,535 SH   DFND 0 3,535 0 0
ILLUMINA INC COMMON STOCK 452327109 1 7 SH   SOLE 0 7 0 0
IMMUNOCORE HLDGS PLC ADS FOREIGN EQUITIES 45258D105 1 31 SH   SOLE 0 31 0 0
IMPERIAL OIL LTD FOREIGN EQUITIES 453038408 21 490 SH   SOLE 0 490 0 0
INCYTE CORP COMMON STOCK 45337C102 7 100 SH   SOLE 0 100 0 0
INFINITY PHARMACEUTICALS INC COMMON STOCK 45665G303 7 6,000 SH   SOLE 0 6,000 0 0
ING GROEP NV ADR FOREIGN EQUITIES 456837103 1 160 SH   SOLE 0 160 0 0
INFUSYSTEMS HOLDINGS INC COMMON STOCK 45685K102 7 1,000 SH   SOLE 0 1,000 0 0
INGERSOLL RAND INC COMMON STOCK 45687V106 47 1,095 SH   SOLE 0 1,095 0 0
INSTIL BIO INC COM COMMON STOCK 45783C101 0 18 SH   SOLE 0 18 0 0
INTEL CORP COMMON STOCK 458140100 3,606 139,950 SH   SOLE 0 139,950 0 0
INTEL CORP COMMON STOCK 458140100 566 21,980 SH   DFND 0 21,980 0 0
INTERCONTINENTALEXCHANGE GRP COMMON STOCK 45866F104 4 39 SH   SOLE 0 39 0 0
INTL BUSINESS MACHINES CORP COMMON STOCK 459200101 6,808 57,306 SH   SOLE 0 57,306 0 0
INTL BUSINESS MACHINES CORP COMMON STOCK 459200101 9,079 76,420 SH   DFND 0 76,420 0 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103 269 8,487 SH   SOLE 0 8,487 0 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103 21 656 SH   DFND 0 656 0 0
INTERPUBLIC GROUP COS INC COMMON STOCK 460690100 13 494 SH   SOLE 0 494 0 0
INVESCO ACTIVELY MANAGD ETF ULTRA SHRT DUR ETF/FIXED INCOME 46090A887 476 9,640 SH   SOLE 0 9,640 0 0
INVESCO ACTIVELY MANAGD ETF ULTRA SHRT DUR ETF/FIXED INCOME 46090A887 4 90 SH   DFND 0 90 0 0
INVESCO QQQ TRUST ETF/EQUITY 46090E103 934 3,494 SH   SOLE 8 3,486 8 0
INVESCO QQQ TRUST ETF/EQUITY 46090E103 85 319 SH   DFND 0 319 0 0
INTUITIVE SURGICAL INC COMMON STOCK 46120E602 4 21 SH   SOLE 0 21 0 0
INTUIT INC COMMON STOCK 461202103 10 26 SH   SOLE 0 26 0 0
INVESCO MUNICIPAL TRUST CLOSED END MUTUAL FUNDS 46131J103 18 2,000 SH   SOLE 0 2,000 0 0
INVESCO EXCHANGE TRADED FD TR WILDERHIL CLAN ETF/EQUITY 46137V134 17 345 SH   SOLE 0 345 0 0
INVESCO EXCHANGE TRADED FD TR WILDERHIL CLAN ETF/EQUITY 46137V134 16 338 SH   DFND 0 338 0 0
INVESCO FTSE RAFI US1000 ETF ETF/EQUITY 46137V613 12 90 SH   SOLE 0 90 0 0
INVESCO VARIABLE RATE PFD ETF/EQUITY 46138G870 1,450 66,260 SH   SOLE 0 66,260 0 0
INVESCO VARIABLE RATE PFD ETF/EQUITY 46138G870 7 300 SH   DFND 0 300 0 0
INVESCO BULLETSHS 26 CRP ETF ETF/FIXED INCOME 46138J791 7 370 SH   SOLE 0 370 0 0
INVESCO BULLETSHARES ETF ETF/FIXED INCOME 46138J825 12 605 SH   SOLE 0 605 0 0
INVESCO BULLETSHS 24 CRP ETF ETF/FIXED INCOME 46138J841 376 18,435 SH   SOLE 0 17,965 0 470
INVESCO BULLETSHS 24 CRP ETF ETF/FIXED INCOME 46138J841 8 390 SH   DFND 0 390 0 0
INVESCO BULLETSHS CORP 2023 ETF/FIXED INCOME 46138J866 6 300 SH   SOLE 0 300 0 0
IQVIA HLDGS INC COMMON STOCK 46266C105 18 100 SH   SOLE 0 100 0 0
IRIDIUM COMMUNICATIONS INC COMMON STOCK 46269C102 9 200 SH   DFND 0 200 0 0
IRON MOUNTAIN INC COMMON STOCK 46284V101 1 14 SH   SOLE 0 14 0 0
ISHARES SILVER TRUST ETF/OTHER 46428Q109 17 980 SH   SOLE 0 980 0 0
ISHARES SILVER TRUST ETF/OTHER 46428Q109 33 1,872 SH   DFND 0 1,872 0 0
ISHARES GOLD TRUST ETF/OTHER 464285204 4,582 145,365 SH   SOLE 0 145,215 0 150
ISHARES MSCI CANADA ETF ETF/INTERNATIONAL EQUITY 464286509 3,227 104,950 SH   SOLE 40 104,770 40 140
ISHARES MSCI CANADA ETF ETF/INTERNATIONAL EQUITY 464286509 78 2,552 SH   DFND 0 2,552 0 0
ISHARES SELECT DIVIDEND ETF ETF/EQUITY 464287168 64 600 SH   SOLE 0 600 0 0
ISHARES TIPS BOND ETF ETF/FIXED INCOME 464287176 49 466 SH   SOLE 0 466 0 0
ISHARES CORE S&P 500 ETF ETF/EQUITY 464287200 37,350 104,143 SH   SOLE 38 104,105 38 0
ISHARES CORE S&P 500 ETF ETF/EQUITY 464287200 131 365 SH   DFND 0 365 0 0
ISHARES CORE US AGGREGATE BOND ETF ETF/FIXED INCOME 464287226 47 490 SH   SOLE 0 490 0 0
ISHARES MSCI EMERGING MKTS ETF ETF/INTERNATIONAL EQUITY 464287234 129 3,693 SH   SOLE 0 3,693 0 0
ISHARES IBOXX $ INVMT GRADE CORP BOND ETF ETF/FIXED INCOME 464287242 154 1,501 SH   SOLE 40 1,461 40 0
ISHARES S&P 500 GROWTH ETF ETF/EQUITY 464287309 740 12,788 SH   SOLE 0 12,788 0 0
ISHARES GLOBAL HEALTHCARE ETF/EQUITY 464287325 39 520 SH   SOLE 0 520 0 0
ISHARES S&P 500 VALUE ETF ETF/EQUITY 464287408 735 5,721 SH   SOLE 0 5,721 0 0
ISHARES 7-10 YEAR TSY BOND ETF/FIXED INCOME 464287440 838 8,730 SH   SOLE 0 8,730 0 0
ISHARES 7-10 YEAR TSY BOND ETF/FIXED INCOME 464287440 7 75 SH   DFND 0 75 0 0
ISHARES 1-3 YR TREASURY BOND ETF/FIXED INCOME 464287457 845 10,407 SH   SOLE 0 10,407 0 0
ISHARES 1-3 YR TREASURY BOND ETF/FIXED INCOME 464287457 4 54 SH   DFND 0 54 0 0
ISHARES MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 464287465 1,787 31,914 SH   SOLE 0 31,914 0 0
ISHARES MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 464287465 240 4,287 SH   DFND 0 4,287 0 0
ISHARES RUSSELL MIDCAP VALUE ETF/EQUITY 464287473 3,604 37,518 SH   SOLE 0 37,518 0 0
ISHARES RUSSELL MIDCAP VALUE ETF/EQUITY 464287473 134 1,400 SH   DFND 0 1,400 0 0
ISHARES RUSSELL MIDCAP ETF ETF/EQUITY 464287499 110 1,774 SH   DFND 0 1,774 0 0
ISHARES CORE S&P MIDCAP ETF ETF/EQUITY 464287507 9,102 41,512 SH   SOLE 0 41,497 0 15
ISHARES CORE S&P MIDCAP ETF ETF/EQUITY 464287507 123 560 SH   DFND 0 560 0 0
ISHARES RUSSELL 1000 VALUE ETF/EQUITY 464287598 3,407 25,055 SH   SOLE 49 24,871 49 135
ISHARES RUSSELL 1000 VALUE ETF/EQUITY 464287598 148 1,086 SH   DFND 0 1,086 0 0
ISHARES S&P MIDCAP 400 GROWTH ETF ETF/EQUITY 464287606 377 5,980 SH   SOLE 0 5,980 0 0
ISHARES S&P MIDCAP 400 GROWTH ETF ETF/EQUITY 464287606 38 600 SH   DFND 0 600 0 0
ISHARES RUSSELL 1000 GROWTH ETF ETF/EQUITY 464287614 4,968 23,610 SH   SOLE 0 23,530 0 80
ISHARES RUSSELL 1000 GROWTH ETF ETF/EQUITY 464287614 132 627 SH   DFND 0 627 0 0
ISHARES RUSSELL 2000 VALUE ETF/EQUITY 464287630 27 209 SH   DFND 0 209 0 0
ISHARES RUSSELL 2000 GROWTH ETF ETF/EQUITY 464287648 129 626 SH   SOLE 0 626 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 779 4,721 SH   SOLE 0 4,721 0 0
ISHARES RUSSELL 2000 ETF ETF/EQUITY 464287655 104 628 SH   DFND 0 628 0 0
ISHARES CORE S&P SMALLCAP ETF ETF/EQUITY 464287804 11,777 135,068 SH   SOLE 0 135,019 0 49
ISHARES CORE S&P SMALLCAP ETF ETF/EQUITY 464287804 120 1,381 SH   DFND 0 1,381 0 0
ISHARES TR INDEX S&P SMLCP GROW ETF/EQUITY 464287887 48 475 SH   SOLE 0 475 0 0
ISHARES GLOBAL CLEAN ENERGY ETF/INTERNATIONAL EQUITY 464288224 330 17,300 SH   SOLE 0 17,300 0 0
ISHARES GLOBAL CLEAN ENERGY ETF/INTERNATIONAL EQUITY 464288224 17 900 SH   DFND 0 900 0 0
ISHARES MSCI ACWI EX US ETF ETF/INTERNATIONAL EQUITY 464288240 1,653 41,317 SH   SOLE 44 41,273 44 0
ISHARES MSCI ACWI EX US ETF ETF/INTERNATIONAL EQUITY 464288240 149 3,719 SH   DFND 0 3,719 0 0
ISHARES MSCI ACWI ETF ETF/EQUITY 464288257 18,839 242,059 SH   SOLE 0 241,894 0 165
ISHARES MSCI ACWI ETF ETF/EQUITY 464288257 23 300 SH   DFND 0 300 0 0
ISHARES IBOXX $ HIGH YIELD CORP BOND ETF ETF/FIXED INCOME 464288513 260 3,643 SH   SOLE 40 3,603 40 0
ISHARES IBOXX $ HIGH YIELD CORP BOND ETF ETF/FIXED INCOME 464288513 78 1,093 SH   DFND 0 1,093 0 0
ISHARES INTERMEDIATE CREDIT BOND ETF ETF/FIXED INCOME 464288638 24 496 SH   DFND 0 496 0 0
ISHARES SHORT TERM CORP BOND ETF/FIXED INCOME 464288646 94 1,900 SH   DFND 0 1,900 0 0
ISHARES US PREFERRED STOCK ETF/OTHER 464288687 1,988 62,801 SH   SOLE 0 62,801 0 0
ISHARES US PREFERRED STOCK ETF/OTHER 464288687 168 5,315 SH   DFND 0 5,315 0 0
ISHARES MSCI EAFE VALUE ETF ETF/EQUITY 464288877 1 33 SH   SOLE 0 33 0 0
ISHARES CORE HIGH DIVIDEND ETF/EQUITY 46429B663 223 2,445 SH   SOLE 0 2,445 0 0
ISHARES CORE HIGH DIVIDEND ETF/EQUITY 46429B663 8 90 SH   DFND 0 90 0 0
ISHARES EDGE MSCI MIN VOL EAFE ETF ETF/INTERNATIONAL EQUITY 46429B689 3 50 SH   DFND 0 50 0 0
ISHARES EDGE MSCI MIN VOL USA ETF ETF/EQUITY 46429B697 6,950 105,143 SH   SOLE 0 105,028 0 115
ISHARES CORE MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 46432F842 28,907 548,825 SH   SOLE 0 548,520 0 305
ISHARES CORE MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 46432F842 221 4,205 SH   DFND 0 4,205 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 46434G103 8,182 190,420 SH   SOLE 0 190,295 0 125
ISHARES CORE MSCI EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 46434G103 14 325 SH   DFND 0 325 0 0
ISHARES MSCI EM EX CHINA ETF/INTERNATIONAL EQUITY 46434G764 1,702 38,435 SH   SOLE 0 38,410 0 25
ISHARES MSCI EM EX CHINA ETF/INTERNATIONAL EQUITY 46434G764 3 60 SH   DFND 0 60 0 0
ISHARES ESG MSCI EM ETF ETF/INTERNATIONAL EQUITY 46434G863 277 10,015 SH   SOLE 0 10,015 0 0
ISHARES IBONDS DEC 2023 ETF ETF/FIXED INCOME 46434VAX8 35 1,400 SH   DFND 0 1,400 0 0
ISHARES MSCI ACWI LOW CARBON ETF/EQUITY 46434V464 4 35 SH   SOLE 0 35 0 0
ISHARES TR ESG AWRE 1 5 YR ETF/FIXED INCOME 46435G243 2 75 SH   SOLE 0 75 0 0
ISHARES TR ESG MSCI USA ETF (ESGU) ETF/EQUITY 46435G425 17 213 SH   SOLE 0 213 0 0
ISHARES TR ESG MSCI USA ETF (ESGU) ETF/EQUITY 46435G425 19 243 SH   DFND 0 243 0 0
ISHARES ESG ADV HIGH YIELD ETF/FIXED INCOME 46435G441 11 260 SH   SOLE 0 260 0 0
ISHARES ESG MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 46435G516 291 5,185 SH   SOLE 0 5,185 0 0
ISHARES BB RATED CRP BND ETF ETF/FIXED INCOME 46435U473 2,799 65,040 SH   SOLE 0 64,935 0 105
ISHARES BB RATED CRP BND ETF ETF/FIXED INCOME 46435U473 4 85 SH   DFND 0 85 0 0
ISHARES ESG AWARE MSCI SMALLCAP ETF ETF/EQUITY 46435U663 2 60 SH   SOLE 0 60 0 0
JPMORGAN CHASE & CO COMMON STOCK 46625H100 7,873 75,342 SH   SOLE 0 75,342 0 0
JPMORGAN CHASE & CO COMMON STOCK 46625H100 537 5,141 SH   DFND 0 5,141 0 0
JABIL CIRCUIT INC. COMMON STOCK 466313103 14 238 SH   SOLE 0 238 0 0
JPMORGAN EQUITY PREMIUM INC ETF/EQUITY 46641Q332 5,191 101,345 SH   SOLE 0 101,345 0 0
JP MORGAN ULTRA SHORT INC ETF/FIXED INCOME 46641Q837 437 8,705 SH   SOLE 0 8,510 0 195
JP MORGAN ULTRA SHORT INC ETF/FIXED INCOME 46641Q837 9 175 SH   DFND 0 175 0 0
JACOBS SOLUTIONS INC COMMON STOCK 46982L108 21 194 SH   DFND 0 194 0 0
JANUS DETROIT STREET TR HENDERSON AAA CLO ETF/FIXED INCOME 47103U845 3,785 77,095 SH   SOLE 0 76,850 0 245
JANUS DETROIT STREET TR HENDERSON AAA CLO ETF/FIXED INCOME 47103U845 13 270 SH   DFND 0 270 0 0
JD.COM INC FOREIGN EQUITIES 47215P106 0 2 SH   SOLE 0 2 0 0
JETBLUE AIRWAYS CORP COMMON STOCK 477143101 0 63 SH   SOLE 0 63 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 9,318 57,039 SH   SOLE 0 57,039 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 2,426 14,850 SH   DFND 0 14,850 0 0
JOUNCE THERAPEUTICS INC COMMON STOCK 481116101 2 1,000 SH   SOLE 0 1,000 0 0
KLA CORPORATION COMMON STOCK 482480100 7 22 SH   SOLE 0 22 0 0
KEURIG DR PEPPER INC COMMON STOCK 49271V100 24 672 SH   SOLE 0 672 0 0
KEYCORP COMMON STOCK 493267108 10 604 SH   SOLE 0 604 0 0
KEYCORP COMMON STOCK 493267108 8 500 SH   DFND 0 500 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 1,062 9,440 SH   SOLE 0 9,440 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 557 4,945 SH   DFND 0 4,945 0 0
KINDER MORGAN INC COMMON STOCK 49456B101 685 41,185 SH   SOLE 0 41,185 0 0
KINDER MORGAN INC COMMON STOCK 49456B101 73 4,410 SH   DFND 0 4,410 0 0
KOHLS CORP COMMON STOCK 500255104 0 12 SH   SOLE 0 12 0 0
KONINKLIJKE PHILIPS N.V FOREIGN EQUITIES 500472303 7 462 SH   SOLE 0 462 0 0
KRAFT HEINZ COMPANY COMMON STOCK 500754106 78 2,333 SH   DFND 0 2,333 0 0
KROGER COMPANY COMMON STOCK 501044101 2 41 SH   SOLE 0 41 0 0
KYNDRYL HOLDINGS INC COMMON STOCK 50155Q100 4 533 SH   SOLE 0 533 0 0
L3HARRIS TECHNOLOGIES INC COMMON STOCK 502431109 2 12 SH   SOLE 0 12 0 0
L3HARRIS TECHNOLOGIES INC COMMON STOCK 502431109 6 30 SH   DFND 0 30 0 0
LABORATORY CORP AMER HLDGS COMMON STOCK 50540R409 54 264 SH   SOLE 0 264 0 0
LAM RESEARCH CORP COMMON STOCK 512807108 318 870 SH   SOLE 0 870 0 0
LAM RESEARCH CORP COMMON STOCK 512807108 26 70 SH   DFND 0 70 0 0
LAMB WESTON HLDGS INC COMMON STOCK 513272104 4 48 SH   SOLE 0 48 0 0
ESTEE LAUDER COMP INC CL A COMMON STOCK 518439104 25 116 SH   SOLE 0 116 0 0
LIBERTY ALL STAR EQUITY FD CLOSED END MUTUAL FUNDS 530158104 13 2,403 SH   SOLE 0 2,403 0 0
LIBERTY ALL STAR EQUITY FD CLOSED END MUTUAL FUNDS 530158104 13 2,402 SH   DFND 0 2,402 0 0
ELI LILLY AND COMPANY COMMON STOCK 532457108 1,281 3,962 SH   SOLE 0 3,962 0 0
ELI LILLY AND COMPANY COMMON STOCK 532457108 259 800 SH   DFND 0 800 0 0
LINCOLN NATIONAL CORP COMMON STOCK 534187109 4 80 SH   SOLE 0 80 0 0
LLOYDS TSB GROUP PLC SPONSORED ADR FOREIGN EQUITIES 539439109 4 2,222 SH   SOLE 0 2,222 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 2,799 7,247 SH   SOLE 0 7,247 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 416 1,078 SH   DFND 0 1,078 0 0
LOEWS CORP COMMON STOCK 540424108 65 1,300 SH   DFND 0 1,300 0 0
LOWES COMPANIES INC COMMON STOCK 548661107 4,122 21,948 SH   SOLE 0 21,948 0 0
LOWES COMPANIES INC COMMON STOCK 548661107 283 1,505 SH   DFND 0 1,505 0 0
LUMEN TECHNOLOGIES INC COMMON STOCK 550241103 8 1,150 SH   SOLE 0 1,150 0 0
M & T BANK CORP COMMON STOCK 55261F104 561 3,180 SH   SOLE 0 3,180 0 0
M & T BANK CORP COMMON STOCK 55261F104 1,538 8,725 SH   DFND 0 8,725 0 0
MDU RESOURCES GROUP INC COMMON STOCK 552690109 1 40 SH   SOLE 0 40 0 0
MGM RESORTS INTERNATIONAL COMMON STOCK 552953101 2 73 SH   SOLE 0 73 0 0
MACY'S INC COMMON STOCK 55616P104 1 42 SH   SOLE 0 42 0 0
MAGNA INTL INC COM FOREIGN EQUITIES 55922240C 1 20 SH   SOLE 0 20 0 0
MANPOWERGROUP INC COMMON STOCK 56418H100 1 11 SH   SOLE 0 11 0 0
MANULIFE FINL CORP COM FOREIGN EQUITIES 56501R10C 1 39 SH   SOLE 0 39 0 0
MARATHON OIL CORP COMMON STOCK 565849106 0 20 SH   SOLE 0 20 0 0
MARATHON PETROLEUM CORP COMMON STOCK 56585A102 1 13 SH   SOLE 0 13 0 0
MARATHON PETROLEUM CORP COMMON STOCK 56585A102 34 344 SH   DFND 0 344 0 0
MARKEL CORPORATION COMMON STOCK 570535104 36 33 SH   SOLE 0 33 0 0
MARSH & MCLENNAN COS INC COMMON STOCK 571748102 9 59 SH   SOLE 0 59 0 0
MARRIOTT INTL INC CLASS A COMMON STOCK 571903202 7 52 SH   SOLE 0 52 0 0
MARVELL TECHNOLOGY INC COMMON STOCK 573874104 4 89 SH   SOLE 0 89 0 0
MASTERCARD INC CLASS A COMMON STOCK 57636Q104 504 1,774 SH   SOLE 0 1,774 0 0
MASTERCARD INC CLASS A COMMON STOCK 57636Q104 16 55 SH   DFND 0 55 0 0
MATCH GROUP INC COMMON STOCK 57667L107 0 2 SH   SOLE 0 2 0 0
MCDONALDS CORP COMMON STOCK 580135101 3,665 15,883 SH   SOLE 0 15,883 0 0
MCDONALDS CORP COMMON STOCK 580135101 216 936 SH   DFND 0 936 0 0
MCKESSON CORP COMMON STOCK 58155Q103 57 167 SH   SOLE 0 167 0 0
MCKESSON CORP COMMON STOCK 58155Q103 1,020 3,000 SH   DFND 0 3,000 0 0
MEDICAL PPTYS TRUST INC COMMON STOCK 58463J304 2 200 SH   DFND 0 200 0 0
MERCADOLIBRE INC COMMON STOCK 58733R102 2 3 SH   SOLE 0 3 0 0
MERCK & COMPANY INC COMMON STOCK 58933Y105 9,055 105,139 SH   SOLE 0 105,139 0 0
MERCK & COMPANY INC COMMON STOCK 58933Y105 1,474 17,119 SH   DFND 0 17,119 0 0
METLIFE INC COMMON STOCK 59156R108 97 1,590 SH   SOLE 0 1,590 0 0
METLIFE INC COMMON STOCK 59156R108 10 160 SH   DFND 0 160 0 0
METTLER-TOLEDO INTL COMMON STOCK 592688105 308 284 SH   SOLE 0 284 0 0
METTLER-TOLEDO INTL COMMON STOCK 592688105 434 400 SH   DFND 0 400 0 0
MICROSOFT CORP COMMON STOCK 594918104 13,824 59,357 SH   SOLE 0 59,357 0 0
MICROSOFT CORP COMMON STOCK 594918104 2,353 10,105 SH   DFND 0 10,105 0 0
MICRON TECHNOLOGY COMMON STOCK 595112103 16 320 SH   SOLE 0 320 0 0
MITSUBISHI UFJ FINL GROUP INSPONSORED ADR FOREIGN EQUITIES 606822104 3 690 SH   SOLE 0 690 0 0
MODERNA INC COMMON STOCK 60770K107 1 10 SH   SOLE 0 10 0 0
MOLINA HEALTHCARE INC COMMON STOCK 60855R100 16 50 SH   SOLE 0 50 0 0
MOLSON COORS BEVERAGE CO COMMON STOCK 60871R209 1 29 SH   SOLE 0 29 0 0
MONDELEZ INTL INC CL A COMMON STOCK 609207105 277 5,058 SH   SOLE 0 5,058 0 0
MONDELEZ INTL INC CL A COMMON STOCK 609207105 245 4,475 SH   DFND 0 4,475 0 0
MONGODB INC CL A COMMON STOCK 60937P106 0 2 SH   SOLE 0 2 0 0
MONOLITHIC POWER SYSTEMS INC COMMON STOCK 609839105 0 1 SH   SOLE 0 1 0 0
MONSTER BEVERAGE COMMON STOCK 61174X109 1 11 SH   SOLE 0 11 0 0
MORGAN STANLEY COMMON STOCK 617446448 1,303 16,495 SH   SOLE 0 16,495 0 0
MOSAIC COMPANY COMMON STOCK 61945C103 2 34 SH   SOLE 0 34 0 0
MOTOROLA SOLUTIONS INC COMMON STOCK 620076307 2 9 SH   SOLE 0 9 0 0
MURPHY OIL CORPORATION COMMON STOCK 626717102 12 328 SH   SOLE 0 328 0 0
MURPHY USA INC COMMON STOCK 626755102 23 82 SH   SOLE 0 82 0 0
NBT BANCORP INC COMMON STOCK 628778102 459 12,092 SH   SOLE 0 12,092 0 0
NBT BANCORP INC COMMON STOCK 628778102 359 9,447 SH   DFND 0 9,447 0 0
NRG ENERGY INC COMMON STOCK 629377508 2 43 SH   SOLE 0 43 0 0
NATIONAL FUEL GAS COMPANY COMMON STOCK 636180101 43 700 SH   SOLE 0 700 0 0
NATIONAL FUEL GAS COMPANY COMMON STOCK 636180101 189 3,076 SH   DFND 0 3,076 0 0
NATIONAL GRID PLC ADR FOREIGN EQUITIES 636274409 3 51 SH   SOLE 0 51 0 0
NATIONAL GRID PLC ADR FOREIGN EQUITIES 636274409 68 1,323 SH   DFND 0 1,323 0 0
NETFLIX INC COMMON STOCK 64110L106 91 385 SH   SOLE 0 385 0 0
NETEASE INC SPONSORED ADS FOREIGN EQUITIES 64110W102 1 7 SH   SOLE 0 7 0 0
NEW YORK CMNTY BANCORP INC COMMON STOCK 649445103 9 1,000 SH   SOLE 0 1,000 0 0
NEW YORK CMNTY BANCORP INC COMMON STOCK 649445103 1 175 SH   DFND 0 175 0 0
NEWMONT MINING CORP COMMON STOCK 651639106 1 13 SH   SOLE 0 13 0 0
NEWS CORP CLASS A COMMON STOCK 65249B109 41 2,700 SH   SOLE 0 2,700 0 0
NEXSTAR MEDIA GROUP INC COMMON STOCK 65336K103 25 149 SH   SOLE 0 149 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 2,883 36,768 SH   SOLE 0 36,768 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 1,722 21,965 SH   DFND 0 21,965 0 0
NIKE INC CLASS B COMMON STOCK 654106103 2,041 24,554 SH   SOLE 0 24,554 0 0
NIKE INC CLASS B COMMON STOCK 654106103 131 1,576 SH   DFND 0 1,576 0 0
NIKOLA CORP COMMON STOCK 654110105 1 200 SH   SOLE 0 200 0 0
NOKIA CORP ADR FOREIGN EQUITIES 654902204 1 280 SH   SOLE 0 280 0 0
NORDSON CORP COM COMMON STOCK 655663102 5 23 SH   SOLE 0 23 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 1,727 8,238 SH   SOLE 0 8,238 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 249 1,190 SH   DFND 0 1,190 0 0
NORTHERN TR CORP COMMON STOCK 665859104 19 219 SH   SOLE 0 219 0 0
NORTHROP GRUMMAN CORP COMMON STOCK 666807102 16 35 SH   SOLE 0 35 0 0
NORTHROP GRUMMAN CORP COMMON STOCK 666807102 94 200 SH   DFND 0 200 0 0
NORTONLIFELOCK INC COMMON STOCK 668771108 1 40 SH   SOLE 0 40 0 0
NORWOOD FINANCIAL CORP COMMON STOCK 669549107 106 3,992 SH   SOLE 0 3,992 0 0
NOVARTIS AG ADR FOREIGN EQUITIES 66987V109 147 1,933 SH   SOLE 0 1,933 0 0
NOVARTIS AG ADR FOREIGN EQUITIES 66987V109 247 3,255 SH   DFND 0 3,255 0 0
NOVO-NORDISK AS ADR FOREIGN EQUITIES 670100205 3 31 SH   SOLE 0 31 0 0
NUCOR CORP COMMON STOCK 670346105 4,011 37,488 SH   SOLE 0 37,488 0 0
NUCOR CORP COMMON STOCK 670346105 793 7,408 SH   DFND 0 7,408 0 0
NVIDIA CORPORATION COMMON STOCK 67066G104 521 4,289 SH   SOLE 0 4,289 0 0
NVIDIA CORPORATION COMMON STOCK 67066G104 176 1,450 SH   DFND 0 1,450 0 0
NUVEEN AMT FREE MUNI CR INC CLOSED END MUTUAL FUNDS 67071L106 35 3,000 SH   SOLE 0 3,000 0 0
NUVATION BIO INC COM CL A COMMON STOCK 67080N101 0 22 SH   SOLE 0 22 0 0
O REILLY AUTOMOTIVE INC COMMON STOCK 67103H107 6 8 SH   SOLE 0 8 0 0
OKTA INC CL A COMMON STOCK 679295105 11 200 SH   DFND 0 200 0 0
OLAPLEX HLDGS INC COM COMMON STOCK 679369108 0 1 SH   SOLE 0 1 0 0
OLD REPUBLIC INTL CORP COMMON STOCK 680223104 1 45 SH   SOLE 0 45 0 0
OMNICOM GROUP INC COMMON STOCK 681919106 2,544 40,319 SH   SOLE 0 40,319 0 0
OMNICOM GROUP INC COMMON STOCK 681919106 132 2,085 SH   DFND 0 2,085 0 0
ON SEMICONDUCTOR CORP COMMON STOCK 682189105 2 29 SH   SOLE 0 29 0 0
ONEOK INC COMMON STOCK 682680103 20 394 SH   SOLE 0 394 0 0
OPEN TEXT CORP COM COMMON STOCK 683715106 3 100 SH   SOLE 0 100 0 0
ORACLE CORP COMMON STOCK 68389X105 169 2,766 SH   SOLE 0 2,766 0 0
ORANGE SA ADR FOREIGN EQUITIES 684060106 36 4,000 SH   DFND 0 4,000 0 0
BARK INC COMMON STOCK 68622E104 0 64 SH   SOLE 0 64 0 0
ORGANON & CO COMMON STOCK 68622V106 13 575 SH   SOLE 0 575 0 0
ORGANON & CO COMMON STOCK 68622V106 1 38 SH   DFND 0 38 0 0
ORION OFFICE REIT INC COMMON STOCK 68629Y103 1 116 SH   SOLE 0 116 0 0
ORIX CORP SPONSORED ADR FOREIGN EQUITIES 686330101 3 42 SH   SOLE 0 42 0 0
OSHKOSH CORP COMMON STOCK 688239201 2 25 SH   SOLE 0 25 0 0
OTIS WORLDWIDE CORP COMMON STOCK 68902V107 5 75 SH   SOLE 0 75 0 0
OTIS WORLDWIDE CORP COMMON STOCK 68902V107 21 325 SH   DFND 0 325 0 0
OWENS CORNING COMMON STOCK 690742101 1 12 SH   SOLE 0 12 0 0
PG&E CORP COMMON STOCK 69331C108 3 232 SH   SOLE 0 232 0 0
PNC FINL SVCS GROUP INC COMMON STOCK 693475105 1,744 11,670 SH   SOLE 0 11,670 0 0
PNC FINL SVCS GROUP INC COMMON STOCK 693475105 8 55 SH   DFND 0 55 0 0
PPG INDUSTRIES INC COMMON STOCK 693506107 235 2,123 SH   SOLE 0 2,123 0 0
PPG INDUSTRIES INC COMMON STOCK 693506107 6 50 SH   DFND 0 50 0 0
PPL CORP COMMON STOCK 69351T106 20 800 SH   SOLE 0 800 0 0
PPL CORP COMMON STOCK 69351T106 13 500 SH   DFND 0 500 0 0
PACCAR INC COMMON STOCK 693718108 1 9 SH   SOLE 0 9 0 0
PACER BENCHMARK DATA&INFRAS RE SECTOR ETF ETF/EQUITY 69374H741 129 4,520 SH   SOLE 0 4,450 0 70
PACER BENCHMARK DATA&INFRAS RE SECTOR ETF ETF/EQUITY 69374H741 3 100 SH   DFND 0 100 0 0
PALO ALTO NETWORKS INC COMMON STOCK 697435105 49 300 SH   SOLE 0 300 0 0
PAYCOM SOFTWARE INC COMMON STOCK 70432V102 22 67 SH   DFND 0 67 0 0
PAYCHEX INC COMMON STOCK 704326107 56 500 SH   SOLE 0 500 0 0
PAYCHEX INC COMMON STOCK 704326107 76 675 SH   DFND 0 675 0 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103 4 45 SH   SOLE 0 45 0 0
PELOTON INTERACTIVE INC COMMON STOCK 70614W100 0 20 SH   SOLE 0 20 0 0
PENN NATIONAL GAMING INC COMMON STOCK 707569109 3 101 SH   SOLE 0 101 0 0
PENSKE AUTOMOTIVE GROUP COMMON STOCK 70959W103 2 17 SH   SOLE 0 17 0 0
PEOPLES FINL SVCS CORP COMMON STOCK 711040105 57 1,218 SH   SOLE 0 1,218 0 0
PEPSICO INC COMMON STOCK 713448108 8,253 50,551 SH   SOLE 0 50,551 0 0
PEPSICO INC COMMON STOCK 713448108 1,834 11,231 SH   DFND 0 11,231 0 0
PFIZER INC COMMON STOCK 717081103 5,629 128,669 SH   SOLE 0 128,669 0 0
PFIZER INC COMMON STOCK 717081103 1,278 29,219 SH   DFND 0 29,219 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109 174 2,100 SH   SOLE 0 2,100 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109 57 689 SH   DFND 0 689 0 0
PHILLIPS 66 COMMON STOCK 718546104 1,169 14,480 SH   SOLE 0 14,480 0 0
PHILLIPS 66 COMMON STOCK 718546104 129 1,600 SH   DFND 0 1,600 0 0
PIMCO ENHANCED SHORT MAT ESG ETF/FIXED INCOME 72201R643 98 1,000 SH   SOLE 0 1,000 0 0
PIMCO ENHANCED LOW DURATION ETF/FIXED INCOME 72201R718 95 1,000 SH   SOLE 0 1,000 0 0
PIMCO ENHANCED SHORT MATURE ACTIVE ETF ETF/FIXED INCOME 72201R833 99 1,000 SH   SOLE 0 1,000 0 0
PINDUODUO INC SPONSORED ADS FOREIGN EQUITIES 722304102 1 20 SH   SOLE 0 20 0 0
PINTEREST INC CL A COMMON STOCK 72352L106 1 56 SH   SOLE 0 56 0 0
PIONEER NATURAL RESOURCES CO COMMON STOCK 723787107 2 10 SH   SOLE 0 10 0 0
PLAINS ALL AMERICAN PIPELINE COMMON STOCK 726503105 32 3,000 SH   DFND 0 3,000 0 0
PLUG POWER INC COMMON STOCK 72919P202 1 24 SH   SOLE 0 24 0 0
PORTLAND GENERAL ELEC CO COMMON STOCK 736508847 2 38 SH   SOLE 0 38 0 0
PRINCIPAL SPECTRUM PFD SEC ETF/EQUITY 74255Y888 2,213 131,990 SH   SOLE 0 131,990 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 7,034 55,718 SH   SOLE 0 55,718 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 834 6,607 SH   DFND 0 6,607 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102 5 58 SH   SOLE 0 58 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102 18 215 SH   DFND 0 215 0 0
PRUDENTIAL PLC ADR FOREIGN EQUITIES 74435K204 2 94 SH   SOLE 0 94 0 0
PUBLIC SVC ENTERPRISE GROUP COMMON STOCK 744573106 4,348 77,332 SH   SOLE 0 77,332 0 0
PUBLIC SVC ENTERPRISE GROUP COMMON STOCK 744573106 1,069 19,017 SH   DFND 0 19,017 0 0
PUBLIC STORAGE COMMON STOCK 74460D109 5 17 SH   SOLE 0 17 0 0
PULTE GROUP INC COMMON STOCK 745867101 2 56 SH   SOLE 0 56 0 0
PULTE GROUP INC COMMON STOCK 745867101 8 210 SH   DFND 0 210 0 0
QORVO INC COMMON STOCK 74736K101 1 9 SH   SOLE 0 9 0 0
QUALCOMM INC COMMON STOCK 747525103 2,490 22,036 SH   SOLE 0 22,036 0 0
QUALCOMM INC COMMON STOCK 747525103 295 2,615 SH   DFND 0 2,615 0 0
QUALTRICS INTL INC COM CL A COMMON STOCK 747601201 0 15 SH   SOLE 0 15 0 0
QUEST DIAGNOSTICS INC COMMON STOCK 74834L100 243 1,983 SH   SOLE 0 1,983 0 0
RH COM COMMON STOCK 74967X103 1 3 SH   SOLE 0 3 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 2,015 24,614 SH   SOLE 0 24,614 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 519 6,342 SH   DFND 0 6,342 0 0
REALTY INCOME CORP COMMON STOCK 756109104 19 334 SH   SOLE 0 334 0 0
RECURSION PHARMACEUTICALS INCL A COMMON STOCK 75629V104 0 41 SH   SOLE 0 41 0 0
REGENERON PHARMACEUTICALS COMMON STOCK 75886F107 9 13 SH   SOLE 0 13 0 0
REGULUS THERAPEUTICS INC COMMON STOCK 75915K309 1 690 SH   SOLE 0 690 0 0
RELIANCE STEEL & ALUMINUM COMMON STOCK 759509102 1 5 SH   SOLE 0 5 0 0
RELX PLC ADR FOREIGN EQUITIES 759530108 7 296 SH   SOLE 0 296 0 0
REPUBLIC SERVICES INC COMMON STOCK 760759100 14 100 SH   SOLE 0 100 0 0
REVOLUTION MEDICINES INC COM COMMON STOCK 76155X100 0 5 SH   SOLE 0 5 0 0
RIBBONS COMMUNICATIONS INC COMMON STOCK 762544104 3 1,400 SH   SOLE 0 1,400 0 0
ROCKWELL AUTOMATION INC COMMON STOCK 773903109 33 155 SH   DFND 0 155 0 0
ROKU INC COMMON STOCK 77543R102 0 8 SH   SOLE 0 8 0 0
ROPER INDS INC COMMON STOCK 776696106 144 400 SH   SOLE 0 400 0 0
ROPER INDS INC COMMON STOCK 776696106 84 233 SH   DFND 0 233 0 0
ROYAL BANK OF CANADA FOREIGN EQUITIES 780087102 737 8,190 SH   SOLE 0 8,190 0 0
ROYAL BANK OF CANADA FOREIGN EQUITIES 780087102 117 1,298 SH   DFND 0 1,298 0 0
SHELL PLC FOREIGN EQUITIES 780259305 5 96 SH   SOLE 0 96 0 0
SHELL PLC FOREIGN EQUITIES 780259305 13 260 SH   DFND 0 260 0 0
RYANAIR HLDGS PLC ADR FOREIGN EQUITIES 783513203 1 18 SH   SOLE 0 18 0 0
S&P GLOBAL INC COMMON STOCK 78409V104 197 645 SH   SOLE 0 645 0 0
S&P GLOBAL INC COMMON STOCK 78409V104 209 686 SH   DFND 0 686 0 0
SPDR S&P 500 ETF ETF/EQUITY 78462F103 6,361 17,809 SH   SOLE 0 17,809 0 0
SPDR S&P 500 ETF ETF/EQUITY 78462F103 317 887 SH   DFND 0 887 0 0
SPDR GOLD SHARES ETF/OTHER 78463V107 324 2,096 SH   SOLE 0 2,096 0 0
SPDR GOLD SHARES ETF/OTHER 78463V107 692 4,475 SH   DFND 0 4,475 0 0
SPDR INTERM CORP BOND ETF ETF/FIXED INCOME 78464A375 735 23,490 SH   SOLE 0 23,385 0 105
SPDR INTERM CORP BOND ETF ETF/FIXED INCOME 78464A375 12 375 SH   DFND 0 375 0 0
SPDR PORTFOLIO S&P500 GROWTH ETF/EQUITY 78464A409 484 9,655 SH   SOLE 0 9,655 0 0
SPDR PORTFOLIO S&P 500 VALUE ETF/EQUITY 78464A508 522 15,145 SH   SOLE 0 15,145 0 0
SPDR S&P DIVIDEND ETF ETF/EQUITY 78464A763 26 237 SH   SOLE 0 237 0 0
SPDR PORTFOLIO S&P 500 ETF/EQUITY 78464A854 817 19,460 SH   SOLE 0 19,145 0 315
SPDR PORTFOLIO S&P 500 ETF/EQUITY 78464A854 4 85 SH   DFND 0 85 0 0
SPDR BLACKSTONE/GSO SENIOR LOAN ETF ETF/FIXED INCOME 78467V608 2,436 59,629 SH   SOLE 0 59,511 0 118
SPDR BLACKSTONE/GSO SENIOR LOAN ETF ETF/FIXED INCOME 78467V608 8 208 SH   DFND 0 208 0 0
SPDR DOUBLELINE TOTAL RETURNTACT ETF ETF/FIXED INCOME 78467V848 4,530 112,750 SH   SOLE 0 112,750 0 0
SPDR S&P MIDCAP 400 ETF ETF/EQUITY 78467Y107 5,318 13,240 SH   SOLE 16 13,224 16 0
SPDR S&P MIDCAP 400 ETF ETF/EQUITY 78467Y107 106 265 SH   DFND 0 265 0 0
SPDR PORTFOLIO SMALLCAP ETF ETF/EQUITY 78468R853 12 365 SH   SOLE 0 365 0 0
SALESFORCE INC COMMON STOCK 79466L302 50 347 SH   SOLE 0 347 0 0
SANOFI AVENTIS SPONSORED ADR FOREIGN EQUITIES 80105N105 9 231 SH   SOLE 0 231 0 0
SAP AG SPON ADR FOREIGN EQUITIES 803054204 15 187 SH   SOLE 0 187 0 0
SCHLUMBERGER LTD FOREIGN EQUITIES 806857108 82 2,286 SH   SOLE 0 2,286 0 0
SCHLUMBERGER LTD FOREIGN EQUITIES 806857108 33 916 SH   DFND 0 916 0 0
CHARLES SCHWAB CORP COMMON STOCK 808513105 1 16 SH   SOLE 0 16 0 0
SCHWAB US SMALL CAP ETF ETF/EQUITY 808524607 2,981 78,886 SH   SOLE 150 78,736 150 0
SCHWAB US SMALL CAP ETF ETF/EQUITY 808524607 207 5,470 SH   DFND 0 5,470 0 0
SCHWAB US REIT ETF ETF/EQUITY 808524847 142 7,596 SH   SOLE 0 7,596 0 0
MATERIALS SELECT SECTOR SPDR ETF/EQUITY 81369Y100 173 2,544 SH   SOLE 0 2,544 0 0
MATERIALS SELECT SECTOR SPDR ETF/EQUITY 81369Y100 679 9,985 SH   DFND 0 9,985 0 0
HEALTH CARE SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y209 338 2,787 SH   SOLE 0 2,787 0 0
CONSUMER STAPLES SECTOR SPDR ETF/EQUITY 81369Y308 218 3,262 SH   SOLE 0 3,262 0 0
CONSUMER STAPLES SECTOR SPDR ETF/EQUITY 81369Y308 18 270 SH   DFND 0 270 0 0
CONSUMER DISCRET SEL SECT SPDR ETF ETF/EQUITY 81369Y407 237 1,662 SH   SOLE 0 1,662 0 0
CONSUMER DISCRET SEL SECT SPDR ETF ETF/EQUITY 81369Y407 21 147 SH   DFND 0 147 0 0
ENERGY SELECT SECTOR SPDR ETF/EQUITY 81369Y506 2,175 30,202 SH   SOLE 0 30,202 0 0
ENERGY SELECT SECTOR SPDR ETF/EQUITY 81369Y506 201 2,785 SH   DFND 0 2,785 0 0
SPDR FINANCIAL SELECT SECTOR ETF/EQUITY 81369Y605 96 3,166 SH   SOLE 0 3,166 0 0
SPDR INDUSTRIALS (XLI) ETF/EQUITY 81369Y704 86 1,040 SH   SOLE 0 1,040 0 0
TECHNOLOGY SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y803 498 4,190 SH   SOLE 0 4,190 0 0
TECHNOLOGY SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y803 31 265 SH   DFND 0 265 0 0
SELECT SECTOR SPDR TR COMMUNICATION ETF/EQUITY 81369Y852 112 2,345 SH   SOLE 0 2,345 0 0
UTILITIES SELECT SECTOR SPDR ETF/EQUITY 81369Y886 231 3,520 SH   SOLE 0 3,520 0 0
UTILITIES SELECT SECTOR SPDR ETF/EQUITY 81369Y886 7 100 SH   DFND 0 100 0 0
SEMPRA ENERGY COMMON STOCK 816851109 1,635 10,905 SH   SOLE 0 10,905 0 0
SEMPRA ENERGY COMMON STOCK 816851109 271 1,805 SH   DFND 0 1,805 0 0
SERVICENOW INC COMMON STOCK 81762P102 3 9 SH   SOLE 0 9 0 0
SHERWIN WILLIAMS CO COMMON STOCK 824348106 4 18 SH   SOLE 0 18 0 0
SHIFT4 PMTS INC CL A COMMON STOCK 82452J109 0 10 SH   SOLE 0 10 0 0
SHOCKWAVE MED INC COM COMMON STOCK 82489T104 1 3 SH   SOLE 0 3 0 0
SHOPIFY INC CL A FOREIGN EQUITIES 82509L10C 1 50 SH   SOLE 0 50 0 0
SIERRA WIRELESS INC FOREIGN EQUITIES 826516106 10 333 SH   DFND 0 333 0 0
SIMON PROPERTY GROUP INC COMMON STOCK 828806109 26 288 SH   SOLE 0 288 0 0
SMITH & NEPHEW PLC ADR FOREIGN EQUITIES 83175M205 3 129 SH   SOLE 0 129 0 0
SNAP ON INC COMMON STOCK 833034101 1 5 SH   SOLE 0 5 0 0
SNAP INC COMMON STOCK 83304A106 1 88 SH   SOLE 0 88 0 0
SOLAREDGE TECHNOLOGIES INC COM COMMON STOCK 83417M104 2 7 SH   SOLE 0 7 0 0
SONY CORP ADR FOREIGN EQUITIES 835699307 6 93 SH   SOLE 0 93 0 0
SOUTHERN COMPANY COMMON STOCK 842587107 87 1,284 SH   SOLE 0 1,284 0 0
SOUTHERN COMPANY COMMON STOCK 842587107 102 1,500 SH   DFND 0 1,500 0 0
SPROTT PHYSICAL GOLD TRUST ETF/OTHER 85207H104 344 26,836 SH   SOLE 0 26,836 0 0
SQUARE INC CL A COMMON STOCK 852234103 0 1 SH   SOLE 0 1 0 0
STAG INDL INC COM COMMON STOCK 85254J102 6 200 SH   SOLE 0 200 0 0
STANLEY BLACK & DECKER INC COMMON STOCK 854502101 150 2,000 SH   DFND 0 2,000 0 0
STARBUCKS CORP COMMON STOCK 855244109 733 8,701 SH   SOLE 0 8,701 0 0
STARBUCKS CORP COMMON STOCK 855244109 21 245 SH   DFND 0 245 0 0
STATE STREET CORP COMMON STOCK 857477103 57 934 SH   SOLE 0 934 0 0
STATE STREET CORP COMMON STOCK 857477103 49 800 SH   DFND 0 800 0 0
STEEL DYNAMICS INC COMMON STOCK 858119100 1 19 SH   SOLE 0 19 0 0
STERICYCLE INC COMMON STOCK 858912108 42 1,000 SH   SOLE 0 1,000 0 0
STERICYCLE INC COMMON STOCK 858912108 34 800 SH   DFND 0 800 0 0
STRYKER CORP COMMON STOCK 863667101 1,303 6,431 SH   SOLE 0 6,431 0 0
STRYKER CORP COMMON STOCK 863667101 26 129 SH   DFND 0 129 0 0
SUBURBAN PROPANE PARTNERS LP COMMON STOCK 864482104 10 660 SH   SOLE 0 660 0 0
SUMITOMO MITSUI FINL GROUP FOREIGN EQUITIES 86562M209 4 705 SH   SOLE 0 705 0 0
SUN COMMUNITIES INC COMMON STOCK 866674104 30 221 SH   SOLE 0 221 0 0
SUN LIFE FINANCIAL INC. COM FOREIGN EQUITIES 86679610C 2 50 SH   SOLE 0 50 0 0
SUNCOKE ENERGY INC COMMON STOCK 86722A103 1 218 SH   DFND 0 218 0 0
SWEETGREEN INC COM CL A COMMON STOCK 87043Q108 0 23 SH   SOLE 0 23 0 0
SYLVAMO CORP COMMON STOCK 871332102 0 7 SH   SOLE 0 7 0 0
SYSCO CORP COMMON STOCK 871829107 513 7,255 SH   SOLE 0 7,255 0 0
SYSCO CORP COMMON STOCK 871829107 491 6,950 SH   DFND 0 6,950 0 0
TDCX INC ADS FOREIGN EQUITIES 87190U100 0 27 SH   SOLE 0 27 0 0
TFI INTL INC COM FOREIGN EQUITIES 87241L10C 1 15 SH   SOLE 0 15 0 0
TJX COMPANIES COMMON STOCK 872540109 246 3,963 SH   SOLE 0 3,963 0 0
TJX COMPANIES COMMON STOCK 872540109 6 103 SH   DFND 0 103 0 0
T MOBILE US INC COMMON STOCK 872590104 2 15 SH   SOLE 0 15 0 0
TAIWAN SEMICONDUCTOR MFG LTDSPONSORED ADS FOREIGN EQUITIES 874039100 8 123 SH   SOLE 0 123 0 0
TAKETWO INTERACTIVE SOFTWAREINC COMMON STOCK 874054109 2 14 SH   SOLE 0 14 0 0
TAKEDA PHARMACEUTICAL CO LTDSPONSORED ADS FOREIGN EQUITIES 874060205 5 391 SH   SOLE 0 391 0 0
TAPESTRY INC COMMON STOCK 876030107 1 45 SH   SOLE 0 45 0 0
TARGET CORP COMMON STOCK 87612E106 1,939 13,065 SH   SOLE 0 13,065 0 0
TARGET CORP COMMON STOCK 87612E106 97 652 SH   DFND 0 652 0 0
TELADOC HEALTH INC COMMON STOCK 87918A105 1 21 SH   SOLE 0 21 0 0
TELEDYNE TECHNOLOGIES INC COMMON STOCK 879360105 63 187 SH   DFND 0 187 0 0
TENARIS SA ADR FOREIGN EQUITIES 88031M109 26 1,000 SH   SOLE 0 1,000 0 0
TESLA MOTORS INC COMMON STOCK 88160R101 42 157 SH   SOLE 0 157 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 4,412 28,506 SH   SOLE 0 28,506 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 462 2,985 SH   DFND 0 2,985 0 0
TEXTRON INC COMMON STOCK 883203101 1 13 SH   SOLE 0 13 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 1,125 2,219 SH   SOLE 0 2,219 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 327 645 SH   DFND 0 645 0 0
THOR INDUSTRIES INC COMMON STOCK 885160101 1 9 SH   SOLE 0 9 0 0
3M COMPANY COMMON STOCK 88579Y101 2,282 20,652 SH   SOLE 0 20,652 0 0
3M COMPANY COMMON STOCK 88579Y101 229 2,070 SH   DFND 0 2,070 0 0
TOMPKINS FINANCIAL CORP COMMON STOCK 890110109 145 2,000 SH   SOLE 0 2,000 0 0
TOMPKINS FINANCIAL CORP COMMON STOCK 890110109 312 4,300 SH   DFND 0 4,300 0 0
TORONTO DOMINION BANK FOREIGN EQUITIES 891160509 659 10,752 SH   SOLE 0 10,752 0 0
TORONTO DOMINION BANK FOREIGN EQUITIES 891160509 38 625 SH   DFND 0 625 0 0
TOTAL SA ADR FOREIGN EQUITIES 89151E109 9 187 SH   SOLE 0 187 0 0
TOYOTA MOTOR CORP FOREIGN EQUITIES 892331307 30 227 SH   SOLE 0 227 0 0
TOYOTA MOTOR CORP FOREIGN EQUITIES 892331307 78 600 SH   DFND 0 600 0 0
TRACTOR SUPPLY CO COMMON STOCK 892356106 4 24 SH   SOLE 0 24 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109 1,276 8,328 SH   SOLE 0 8,328 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109 42 275 SH   DFND 0 275 0 0
TRUIST FINANCIAL CORP COMMON STOCK 89832Q109 2,339 53,720 SH   SOLE 0 53,720 0 0
TRUIST FINANCIAL CORP COMMON STOCK 89832Q109 146 3,350 SH   DFND 0 3,350 0 0
TWILIO INC CL A COMMON STOCK 90138F102 1 14 SH   SOLE 0 14 0 0
TWIST BIOSCIENCE CORP COM COMMON STOCK 90184D100 0 5 SH   SOLE 0 5 0 0
TWITTER INC COMMON STOCK 90184L102 2 44 SH   SOLE 0 44 0 0
TWITTER INC COMMON STOCK 90184L102 1 22 SH   DFND 0 22 0 0
TYSON FOODS INC CL A COMMON STOCK 902494103 1 16 SH   SOLE 0 16 0 0
UGI CORP COMMON STOCK 902681105 1 25 SH   SOLE 0 25 0 0
US BANCORP COMMON STOCK 902973304 2,033 50,433 SH   SOLE 0 50,433 0 0
US BANCORP COMMON STOCK 902973304 409 10,145 SH   DFND 0 10,145 0 0
UBER TECHNOLOGIES INC COMMON STOCK 90353T100 0 11 SH   SOLE 0 11 0 0
UNILEVER PLC ADR FOREIGN EQUITIES 904767704 2 53 SH   SOLE 0 53 0 0
UNION PACIFIC CORP COMMON STOCK 907818108 931 4,778 SH   SOLE 0 4,778 0 0
UNION PACIFIC CORP COMMON STOCK 907818108 591 3,035 SH   DFND 0 3,035 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 4,018 24,876 SH   SOLE 0 24,876 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 252 1,558 SH   DFND 0 1,558 0 0
US FOODS HOLDING CORP COMMON STOCK 912008109 1 39 SH   SOLE 0 39 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 3,579 7,087 SH   SOLE 0 7,087 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 669 1,325 SH   DFND 0 1,325 0 0
UNITY SOFTWARE INC COMMON STOCK 91332U101 0 1 SH   SOLE 0 1 0 0
UNIVERSAL HLTH SVCS INC CL B COMMON STOCK 913903100 1 7 SH   SOLE 0 7 0 0
VF CORP COMMON STOCK 918204108 283 9,475 SH   SOLE 0 9,475 0 0
VF CORP COMMON STOCK 918204108 15 487 SH   DFND 0 487 0 0
VBI VACCINES INC COMMON STOCK 91822J103 6 8,500 SH   SOLE 0 8,500 0 0
VALLEY NATL BANCORP COMMON STOCK 919794107 166 15,356 SH   SOLE 0 15,356 0 0
VANECK VECTORS GOLD MINERS ETF ETF/INTERNATIONAL EQUITY 92189F106 482 20,000 SH   DFND 0 20,000 0 0
VANECK VECTORS ETF TR GREEN BD ETF ETF/FIXED INCOME 92189F171 4 190 SH   SOLE 0 190 0 0
VANECK VECTORS CHINAAMC CHINA BOND ETF ETF/INTERNATIONAL FIXED INCOME 92189F379 13 600 SH   DFND 0 600 0 0
VANGUARD DIVIDEND APPRECIATION ETF ETF/EQUITY 921908844 1,030 7,620 SH   SOLE 0 7,620 0 0
VANGUARD TOTAL INTL STOCK ETF ETF/INTERNATIONAL EQUITY 921909768 173 3,772 SH   SOLE 0 3,772 0 0
VANGUARD MEGA CAP GROWTH ETF/EQUITY 921910816 15 85 SH   SOLE 0 85 0 0
VANGUARD SHORT TERM BOND ETF ETF/FIXED INCOME 921937827 409 5,465 SH   SOLE 0 5,465 0 0
VANGUARD SHORT TERM BOND ETF ETF/FIXED INCOME 921937827 105 1,400 SH   DFND 0 1,400 0 0
VANGUARD TOTAL BOND MRKT ETF ETF/FIXED INCOME 921937835 220 3,080 SH   SOLE 125 2,955 125 0
VANGUARD TOTAL BOND MRKT ETF ETF/FIXED INCOME 921937835 33 465 SH   DFND 0 465 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF/INTERNATIONAL EQUITY 921943858 22 600 SH   DFND 0 600 0 0
VANGUARD HIGH DIVIDEND YIELD ETF/EQUITY 921946406 45 475 SH   SOLE 0 475 0 0
VANGUARD ULTRA SHORT TERM ETF/FIXED INCOME 92203C303 98 2,000 SH   SOLE 0 2,000 0 0
VANGUARD FINANCIALS ETF ETF/EQUITY 92204A405 461 6,190 SH   SOLE 0 6,190 0 0
VANGUARD FINANCIALS ETF ETF/EQUITY 92204A405 197 2,650 SH   DFND 0 2,650 0 0
VANGUARD INDUSTRIALS ETF ETF/EQUITY 92204A603 8 50 SH   SOLE 0 50 0 0
VANGUARD INDUSTRIALS ETF ETF/EQUITY 92204A603 693 4,400 SH   DFND 0 4,400 0 0
VANGUARD INFO TECH ETF ETF/EQUITY 92204A702 990 3,220 SH   SOLE 0 3,220 0 0
VANGUARD INFO TECH ETF ETF/EQUITY 92204A702 112 366 SH   DFND 0 366 0 0
VANGUARD UTILITIES ETF ETF/EQUITY 92204A876 99 695 SH   SOLE 0 695 0 0
VANGUARD TOTAL WORLD STOCK ETF ETF/EQUITY 922042742 7 90 SH   SOLE 0 90 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 922042858 1,372 37,616 SH   SOLE 0 37,616 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 922042858 62 1,692 SH   DFND 0 1,692 0 0
VANGUARD SHORT TERM CORP BOND ETF ETF/FIXED INCOME 92206C409 1,193 16,063 SH   SOLE 65 15,998 65 0
VANGUARD SHORT TERM CORP BOND ETF ETF/FIXED INCOME 92206C409 488 6,566 SH   DFND 0 6,566 0 0
VANGUARD INTERM-TERM GOVT BDETF ETF/FIXED INCOME 92206C706 29 490 SH   SOLE 0 170 0 320
VANGUARD LONG TERM TREASURY ETF/FIXED INCOME 92206C847 7 110 SH   SOLE 0 110 0 0
VEEVA SYS INC CL A COM COMMON STOCK 922475108 1 7 SH   SOLE 0 7 0 0
VANGUARD S&P 500 ETF ETF/EQUITY 922908363 699 2,130 SH   SOLE 0 2,130 0 0
VANGUARD MIDCAP VALUE ETF ETF/EQUITY 922908512 27 225 SH   SOLE 0 225 0 0
VANGUARD MIDCAP VALUE ETF ETF/EQUITY 922908512 43 354 SH   DFND 0 354 0 0
VANGUARD MIDCAP GROWTH ETF ETF/EQUITY 922908538 53 309 SH   DFND 0 309 0 0
VANGUARD REIT ETF ETF/EQUITY 922908553 957 11,935 SH   SOLE 0 11,935 0 0
VANGUARD REIT ETF ETF/EQUITY 922908553 36 453 SH   DFND 0 453 0 0
VANGUARD SMALLCAP VALUE ETF ETF/EQUITY 922908611 201 1,400 SH   SOLE 0 1,400 0 0
VANGUARD MIDCAP ETF ETF/EQUITY 922908629 103 548 SH   SOLE 0 548 0 0
VANGUARD EXTENDED MKT IDX ETF/EQUITY 922908652 13 104 SH   SOLE 0 104 0 0
VANGUARD GROWTH ETF ETF/EQUITY 922908736 155 725 SH   SOLE 0 725 0 0
VANGUARD GROWTH ETF ETF/EQUITY 922908736 45 211 SH   DFND 0 211 0 0
VANGUARD SMALLCAP ETF ETF/EQUITY 922908751 177 1,038 SH   SOLE 0 1,038 0 0
VANGUARD TOTAL STOCK MARKET ETF ETF/EQUITY 922908769 27 150 SH   SOLE 0 150 0 0
VANGUARD TOTAL STOCK MARKET ETF ETF/EQUITY 922908769 11,479 63,961 SH   DFND 0 63,961 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 6,961 183,323 SH   SOLE 0 183,323 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 1,508 39,726 SH   DFND 0 39,726 0 0
VERTEX PHARMACEUTICALS INC COMMON STOCK 92532F100 5 18 SH   SOLE 0 18 0 0
PARAMOUNT GLOBAL CL B COMMON STOCK 92556H206 0 16 SH   SOLE 0 16 0 0
VIATRIS INC COMMON STOCK 92556V106 2 210 SH   SOLE 0 210 0 0
VICI PROPERTIES INC COMMON STOCK 925652109 3 87 SH   SOLE 0 87 0 0
VICTORIAS SECRET AND CO COMMON STOCK COMMON STOCK 926400102 0 8 SH   SOLE 0 8 0 0
VISA INC CLASS A COMMON STOCK 92826C839 1,605 9,033 SH   SOLE 0 9,033 0 0
VISA INC CLASS A COMMON STOCK 92826C839 62 349 SH   DFND 0 349 0 0
VISTRA CORP COMMON STOCK 92840M102 1 45 SH   SOLE 0 45 0 0
VODAFONE GROUP PLC ADR FOREIGN EQUITIES 92857W308 3 304 SH   SOLE 0 304 0 0
WPP PLC FOREIGN EQUITIES 92937A102 1 25 SH   SOLE 0 25 0 0
WAL MART STORES INC COMMON STOCK 931142103 4,907 37,830 SH   SOLE 0 37,830 0 0
WAL MART STORES INC COMMON STOCK 931142103 1,212 9,342 SH   DFND 0 9,342 0 0
WALGREENS BOOTS ALLIANCE INC COMMON STOCK 931427108 2 62 SH   SOLE 0 62 0 0
WALGREENS BOOTS ALLIANCE INC COMMON STOCK 931427108 16 500 SH   DFND 0 500 0 0
WARBY PARKER INC CL A COM COMMON STOCK 93403J106 0 22 SH   SOLE 0 22 0 0
WARNER BROS DISCOVERY INC COMMON STOCK 934423104 6 508 SH   SOLE 0 508 0 0
WARNER BROS DISCOVERY INC COMMON STOCK 934423104 5 434 SH   DFND 0 434 0 0
WARNER MUSIC GROUP COMMON STOCK 934550203 3 124 SH   SOLE 0 124 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109 500 3,122 SH   SOLE 0 3,122 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109 114 710 SH   DFND 0 710 0 0
WATSCO INC COMMON STOCK 942622200 19 74 SH   SOLE 0 74 0 0
WEBSTER FINANCIAL CORP COMMON STOCK 947890109 10 231 SH   SOLE 0 231 0 0
WEBSTER FINANCIAL CORP COMMON STOCK 947890109 21 463 SH   DFND 0 463 0 0
WELLS FARGO & CO COMMON STOCK 949746101 94 2,331 SH   SOLE 0 2,331 0 0
WELLTOWER INC COMMON STOCK 95040Q104 13 200 SH   DFND 0 200 0 0
WEYERHAEUSER CO COMMON STOCK 962166104 46 1,611 SH   SOLE 0 1,611 0 0
WHIRLPOOL CORP COMMON STOCK 963320106 2 12 SH   SOLE 0 12 0 0
WILLIAMS COMPANIES INC COMMON STOCK 969457100 286 10,000 SH   DFND 0 10,000 0 0
WISDOMTREE US HIGH DIVIDEND ETF ETF/EQUITY 97717W208 1,330 17,548 SH   SOLE 0 17,548 0 0
WISDOMTREE US HIGH DIVIDEND ETF ETF/EQUITY 97717W208 7 90 SH   DFND 0 90 0 0
WISDOMTREE TRUST MIDCAP DIVI FD ETF/EQUITY 97717W505 36 963 SH   SOLE 0 963 0 0
WOLFSPEED INC COMMON STOCK 977852102 0 3 SH   SOLE 0 3 0 0
WOODSIDE ENERGY GROUP LTD FOREIGN EQUITIES 980228308 1 36 SH   SOLE 0 36 0 0
WOODSIDE ENERGY GROUP LTD FOREIGN EQUITIES 980228308 1 54 SH   DFND 0 54 0 0
WORKDAY INC CL A COMMON STOCK 98138H101 2 14 SH   SOLE 0 14 0 0
SPDR GOLD MINISHARES ETF/OTHER 98149E303 63 1,909 SH   SOLE 0 1,909 0 0
SPDR GOLD MINISHARES ETF/OTHER 98149E303 9 275 SH   DFND 0 275 0 0
YUM CHINA HLDGS INC FOREIGN EQUITIES 98850P109 1 27 SH   SOLE 0 27 0 0
ZIMVIE INC COMMON STOCK 98888T107 3 260 SH   DFND 0 260 0 0
ZEBRA TECHNOLOGIES CORP CL A COMMON STOCK 989207105 18 67 SH   DFND 0 67 0 0
ZILLOW GROUP INC CL A COMMON STOCK 98954M101 0 8 SH   SOLE 0 8 0 0
ZILLOW GROUP INC CL C CAP STK COMMON STOCK 98954M200 0 12 SH   SOLE 0 12 0 0
ZIMMER HOLDINGS INC COMMON STOCK 98956P102 91 874 SH   SOLE 0 874 0 0
ZIMMER HOLDINGS INC COMMON STOCK 98956P102 272 2,600 SH   DFND 0 2,600 0 0
ZOETIS INC COMMON STOCK 98978V103 4 25 SH   SOLE 0 25 0 0