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
AXALTA COATING SYS LTD FOREIGN EQUITIES G0750C108 4 200 SH   SOLE   200 0 0
LINDE PLC FOREIGN EQUITIES G5494J103 58 200 SH   DFND   200 0 0
MEDTRONIC PLC FOREIGN EQUITIES G5960L103 27 300 SH   SOLE   300 0 0
MEDTRONIC PLC FOREIGN EQUITIES G5960L103 16 175 SH   DFND   175 0 0
NORWEGIAN CRUISE LINE HLDG FOREIGN EQUITIES G66721104 1 100 SH   SOLE   100 0 0
CHUBB LIMITED FOREIGN EQUITIES H1467J104 98 500 SH   SOLE   500 0 0
ITURAN LOCATION & CONTROL FOREIGN EQUITIES M6158M104 2 100 SH   DFND   100 0 0
LYONDELLBASELL INDUSTRIES N FOREIGN EQUITIES N53745100 139 1,595 SH   SOLE   1,595 0 0
LYONDELLBASELL INDUSTRIES N FOREIGN EQUITIES N53745100 9 100 SH   DFND   100 0 0
ROYAL CARIBBEAN CRUISES LTD FOREIGN EQUITIES V7780T103 1 35 SH   SOLE   35 0 0
AFLAC INC. COMMON STOCK 001055102 33 600 SH   DFND   600 0 0
AT&T INC COMMON STOCK 00206R102 197 9,422 SH   SOLE   9,422 0 0
AT&T INC COMMON STOCK 00206R102 92 4,401 SH   DFND   2,697 1,704 0
ARK ETF TR ETF/EQUITIES 00214Q104 2 50 SH   DFND   50 0 0
ARK ETF TR ETF/EQUITIES 00214Q807 1 100 SH   DFND   100 0 0
ABBOTT LABS COMMON STOCK 002824100 762 7,015 SH   SOLE   7,015 0 0
ABBOTT LABS COMMON STOCK 002824100 60 550 SH   DFND   550 0 0
ABBVIE INC COMMON STOCK 00287Y109 1,161 7,580 SH   SOLE   7,580 0 0
ABBVIE INC COMMON STOCK 00287Y109 92 600 SH   DFND   600 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 48 200 SH   DFND   200 0 0
ALLETE INC COMMON STOCK 018522300 15 250 SH   DFND   250 0 0
ALPHABET INC COMMON STOCK 02079K107 11 5 SH   SOLE   5 0 0
ALPHABET INC COMMON STOCK 02079K305 102 47 SH   SOLE   47 0 0
ALTRIA GROUP INC. COMMON STOCK 02209S103 55 1,310 SH   SOLE   1,310 0 0
AMEREN CORP COMMON STOCK 023608102 52 574 SH   DFND   574 0 0
AMERICAN ELEC PWR INC COMMON STOCK 025537101 96 1,000 SH   SOLE   1,000 0 0
AMERICAN ELEC PWR INC COMMON STOCK 025537101 19 194 SH   DFND   194 0 0
AMGEN INC COMMON STOCK 031162100 30 125 SH   SOLE   125 0 0
ANALOG DEVICES INC COMMON STOCK 032654105 522 3,575 SH   SOLE   3,575 0 0
ANALOG DEVICES INC COMMON STOCK 032654105 51 350 SH   DFND   350 0 0
APA CORPORATION COMMON STOCK 03743Q108 7 200 SH   DFND   200 0 0
APPLE INCORPORATED COMMON STOCK 037833100 1,000 7,315 SH   SOLE   7,315 0 0
APPLIED MATERIALS INC COMMON STOCK 038222105 701 7,703 SH   SOLE   7,703 0 0
APPLIED MATERIALS INC COMMON STOCK 038222105 311 3,420 SH   DFND   3,420 0 0
ARCONIC CORPORATION COMMON STOCK 03966V107 2 75 SH   DFND   75 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 5 25 SH   SOLE   25 0 0
AVERY DENNISON CORP. COMMON STOCK 053611109 272 1,680 SH   SOLE   1,680 0 0
AVERY DENNISON CORP. COMMON STOCK 053611109 93 575 SH   DFND   575 0 0
BP PLC FOREIGN EQUITIES 055622104 57 2,015 SH   SOLE   2,015 0 0
BANK OF AMERICA CORPORATION COMMON STOCK 060505104 46 1,488 SH   SOLE   1,488 0 0
BANK OF AMERICA CORPORATION COMMON STOCK 060505104 37 1,184 SH   DFND   1,184 0 0
BANK NEW YORK MELLON CORP COMMON STOCK 064058100 49 1,173 SH   SOLE   1,173 0 0
BANK NEW YORK MELLON CORP COMMON STOCK 064058100 11 271 SH   DFND   271 0 0
BARRICK GOLD CORP FOREIGN EQUITIES 067901108 9 500 SH   DFND   500 0 0
BAXTER INTL INC COMMON STOCK 071813109 24 375 SH   SOLE   375 0 0
BED BATH & BEYOND COMMON STOCK 075896100 0 100 SH   DFND   100 0 0
BERKSHIRE HATHAWAY B COMMON STOCK 084670702 769 2,815 SH   SOLE   2,815 0 0
BERKSHIRE HATHAWAY B COMMON STOCK 084670702 46 170 SH   DFND   170 0 0
BEST BUY INC COMMON STOCK 086516101 13 200 SH   SOLE   200 0 0
BHP BILLITON LIMITED FOREIGN EQUITIES 088606108 17 300 SH   DFND   300 0 0
BIOGEN IDEC INC COMMON STOCK 09062X103 85 415 SH   SOLE   415 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 110 1,425 SH   SOLE   1,425 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 29 375 SH   DFND   375 0 0
BROADCOM INC COMMON STOCK 11135F101 36 75 SH   SOLE   75 0 0
C H ROBINSON WORLDWIDE INC COMMON STOCK 12541W209 74 730 SH   SOLE   730 0 0
C H ROBINSON WORLDWIDE INC COMMON STOCK 12541W209 3 25 SH   DFND   25 0 0
CVS HEALTH CORP COMMON STOCK 126650100 253 2,730 SH   SOLE   2,730 0 0
CVS HEALTH CORP COMMON STOCK 126650100 140 1,510 SH   DFND   1,510 0 0
CAPITAL ONE FINL CORP COMMON STOCK 14040H105 114 1,095 SH   SOLE   1,095 0 0
CARDINAL HEALTH INC COMMON STOCK 14149Y108 102 1,945 SH   SOLE   1,945 0 0
CARDINAL HEALTH INC COMMON STOCK 14149Y108 5 100 SH   DFND   100 0 0
CARNIVAL CORP COMMON STOCK 143658300 3 300 SH   SOLE   300 0 0
CARRIER GLOBAL CORPORATION COMMON STOCK 14448C104 30 840 SH   SOLE   840 0 0
CARRIER GLOBAL CORPORATION COMMON STOCK 14448C104 4 100 SH   DFND   100 0 0
CATERPILLAR INC COMMON STOCK 149123101 640 3,580 SH   SOLE   3,580 0 0
CATERPILLAR INC COMMON STOCK 149123101 63 350 SH   DFND   350 0 0
CELANESE CORP DEL COMMON STOCK 150870103 38 325 SH   SOLE   325 0 0
CHEVRON CORPORATION COMMON STOCK 166764100 117 810 SH   SOLE   810 0 0
CHEVRON CORPORATION COMMON STOCK 166764100 7 50 SH   DFND   50 0 0
CHURCH & DWIGHT INC COMMON STOCK 171340102 12 125 SH   SOLE   125 0 0
CISCO SYS INC COMMON STOCK 17275R102 397 9,320 SH   SOLE   9,320 0 0
CISCO SYS INC COMMON STOCK 17275R102 64 1,500 SH   DFND   1,500 0 0
CINTAS CORP COMMON STOCK 172908105 600 1,607 SH   SOLE   1,607 0 0
CINTAS CORP COMMON STOCK 172908105 349 935 SH   DFND   935 0 0
CITIGROUP INC COMMON STOCK 172967424 26 570 SH   SOLE   570 0 0
CITIGROUP INC COMMON STOCK 172967424 3 74 SH   DFND   74 0 0
COCA COLA CO COMMON STOCK 191216100 362 5,760 SH   SOLE   5,760 0 0
COCA COLA CO COMMON STOCK 191216100 83 1,325 SH   DFND   1,325 0 0
COLGATE PALMOLIVE COMMON STOCK 194162103 70 875 SH   SOLE   875 0 0
COMCAST CORP COMMON STOCK 20030N101 18 450 SH   SOLE   450 0 0
COMPASS DIVERSIFIED HOLDINGS PARTNERSHIPS 20451Q104 17 800 SH   DFND   800 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 105 1,170 SH   SOLE   1,170 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 77 860 SH   DFND   860 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 221 2,325 SH   SOLE   2,325 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 86 903 SH   DFND   903 0 0
CONSTELLATION ENERGY CORP COMMON STOCK 21037T109 22 382 SH   SOLE   382 0 0
CONSTELLATION ENERGY CORP COMMON STOCK 21037T109 20 353 SH   DFND   353 0 0
CORNING INC COMMON STOCK 219350105 6 200 SH   DFND   200 0 0
COSTCO WHSL CORP COMMON STOCK 22160K105 7 15 SH   SOLE   15 0 0
COWEN INC COMMON STOCK 223622606 12 500 SH   SOLE   500 0 0
CRACKER BARREL OLD CTRY STOR COMMON STOCK 22410J106 4 50 SH   DFND   50 0 0
CUMMINS INC COMMON STOCK 231021106 259 1,340 SH   SOLE   1,340 0 0
CUMMINS INC COMMON STOCK 231021106 5 25 SH   DFND   25 0 0
DARDEN RESTAURANTS INC COMMON STOCK 237194105 34 300 SH   SOLE   300 0 0
DARDEN RESTAURANTS INC COMMON STOCK 237194105 11 100 SH   DFND   100 0 0
DEERE & CO. COMMON STOCK 244199105 362 1,210 SH   SOLE   1,210 0 0
DEERE & CO. COMMON STOCK 244199105 16 55 SH   DFND   55 0 0
DISCOVER FINL SVCS COMMON STOCK 254709108 55 585 SH   SOLE   585 0 0
DOW INC COMMON STOCK 260557103 28 552 SH   SOLE   552 0 0
DOW INC COMMON STOCK 260557103 9 170 SH   DFND   170 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102 9 170 SH   DFND   170 0 0
ETF SER SOLUTIONS ETF/EQUITIES 26922A842 5 275 SH   SOLE   275 0 0
EMERSON ELEC CO COMMON STOCK 291011104 257 3,230 SH   SOLE   3,230 0 0
EMERSON ELEC CO COMMON STOCK 291011104 10 125 SH   DFND   125 0 0
ENBRIDGE INC FOREIGN EQUITIES 29250N105 4 98 SH   DFND   98 0 0
ENTERGY CORP NEW COMMON STOCK 29364G103 24 210 SH   DFND   210 0 0
ENTERPRISE PRODS PARTNERS PARTNERSHIPS 293792107 10 394 SH   DFND   394 0 0
ESSENTIAL UTILS INC COMMON STOCK 29670G102 8 175 SH   SOLE   175 0 0
ESSENTIAL UTILS INC COMMON STOCK 29670G102 9 200 SH   DFND   200 0 0
EXELON CORP COMMON STOCK 30161N101 52 1,150 SH   SOLE   1,150 0 0
EXELON CORP COMMON STOCK 30161N101 48 1,060 SH   DFND   1,060 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102 210 2,450 SH   SOLE   2,450 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102 771 9,000 SH   DFND   9,000 0 0
META PLATFORMS, INC. COMMON STOCK 30303M102 67 415 SH   SOLE   415 0 0
FASTENAL CO COMMON STOCK 311900104 95 1,910 SH   SOLE   1,910 0 0
FASTENAL CO COMMON STOCK 311900104 22 450 SH   DFND   450 0 0
FEDEX CORP COMMON STOCK 31428X106 143 630 SH   SOLE   630 0 0
FIDELITY NATIONAL FINANCIAL COMMON STOCK 31620R303 68 1,850 SH   SOLE   1,850 0 0
FIDELITY NATIONAL FINANCIAL COMMON STOCK 31620R303 14 375 SH   DFND   375 0 0
FIFTH THIRD BANCORP COMMON STOCK 316773100 3 100 SH   SOLE   100 0 0
FISERV INC. COMMON STOCK 337738108 109 1,225 SH   SOLE   1,225 0 0
FISERV INC. COMMON STOCK 337738108 125 1,400 SH   DFND   1,400 0 0
FISKER INC COMMON STOCK 33813J106 2 200 SH   DFND   200 0 0
FORD MTR CO DEL COMMON STOCK 345370860 27 2,400 SH   SOLE   2,400 0 0
FORD MTR CO DEL COMMON STOCK 345370860 7 650 SH   DFND   650 0 0
FORTIS INC FOREIGN EQUITIES 349553107 5 112 SH   DFND   112 0 0
FORTRESS TRANS INFRST INVS COMMON STOCK 34960P101 6 300 SH   SOLE   300 0 0
FREEPORT-MCMORAN, INC. COMMON STOCK 35671D857 9 300 SH   DFND   300 0 0
FULTON FINANCIAL CORP COMMON STOCK 360271100 9 600 SH   DFND   600 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 22 100 SH   SOLE   100 0 0
GENERAL ELECTRIC CO COMMON STOCK 369604301 10 150 SH   SOLE   150 0 0
GENERAL MILLS INC COMMON STOCK 370334104 125 1,651 SH   SOLE   1,651 0 0
GENERAL MILLS INC COMMON STOCK 370334104 9 115 SH   DFND   115 0 0
GENERAL MOTORS COMMON STOCK 37045V100 10 300 SH   SOLE   300 0 0
GENTEX CORP COMMON STOCK 371901109 14 500 SH   DFND   500 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 46 740 SH   SOLE   740 0 0
GLAXOSMITHKLINE PLC COMMON STOCK 37733W105 39 890 SH   SOLE   890 0 0
GLAXOSMITHKLINE PLC COMMON STOCK 37733W105 4 100 SH   DFND   100 0 0
GODADDY INC COMMON STOCK 380237107 28 400 SH   SOLE   400 0 0
GUESS INC COMMON STOCK 401617105 2 100 SH   DFND   100 0 0
HP INC COMMON STOCK 40434L105 109 3,318 SH   SOLE   3,318 0 0
HP INC COMMON STOCK 40434L105 26 800 SH   DFND   800 0 0
HARLEY-DAVIDSON COMMON STOCK 412822108 24 750 SH   SOLE   750 0 0
HARLEY-DAVIDSON COMMON STOCK 412822108 32 1,000 SH   DFND   1,000 0 0
HARTFORD FINL SVCS GROUP INC COMMON STOCK 416515104 23 350 SH   SOLE   350 0 0
HEWLETT PACKARD ENTERPRISE COMMON STOCK 42824C109 6 450 SH   DFND   450 0 0
HOME DEPOT INC COMMON STOCK 437076102 292 1,065 SH   SOLE   1,065 0 0
HOWMET AEROSPACE INC COMMON STOCK 443201108 9 300 SH   DFND   300 0 0
HUNTINGTON BANCSHARES INC COMMON STOCK 446150104 2 200 SH   DFND   200 0 0
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109 552 3,028 SH   SOLE   3,028 0 0
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109 118 645 SH   DFND   645 0 0
INTEL CORP COMMON STOCK 458140100 408 10,921 SH   SOLE   10,921 0 0
INTEL CORP COMMON STOCK 458140100 23 625 SH   DFND   625 0 0
INTERNATIONAL BUSINESS MACH COMMON STOCK 459200101 529 3,746 SH   SOLE   3,746 0 0
INTERNATIONAL BUSINESS MACH COMMON STOCK 459200101 7 50 SH   DFND   50 0 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103 46 1,100 SH   SOLE   1,100 0 0
INTERPUBLIC GROUP COS INC COMMON STOCK 460690100 65 2,375 SH   SOLE   2,375 0 0
INTERPUBLIC GROUP COS INC COMMON STOCK 460690100 14 500 SH   DFND   500 0 0
ISHARES GOLD TR NPV ETF/EQUITIES 464285204 10 287 SH   SOLE   287 0 0
ISHARES GOLD TR NPV ETF/EQUITIES 464285204 2 51 SH   DFND   51 0 0
ISHARES MORNINGSTAR ETF/EQUITIES 464287119 55 1,090 SH   SOLE   1,090 0 0
ISHARES US TRANSPORTATION ETF/EQUITIES 464287192 21 100 SH   SOLE   100 0 0
ISHARES TRUST MSCI ETF/EQUITIES 464287234 9 225 SH   SOLE   225 0 0
ISHARES TR MSCI ETF/EQUITIES 464287465 17 280 SH   SOLE   280 0 0
ISHARES TR RUS MDCP VAL ETF/EQUITIES 464287473 37 360 SH   SOLE   360 0 0
ISHARES TR RUS MID CAP ETF/EQUITIES 464287499 84 1,303 SH   SOLE   1,303 0 0
ISHARES NORTH AMERICAN ETF/EQUITIES 464287549 162 550 SH   SOLE   550 0 0
ISHARES TR RUS 1000 VAL ETF/EQUITIES 464287598 4 30 SH   SOLE   30 0 0
ISHARES S&P MIDCAP 400 GROWTH ETF/EQUITIES 464287606 588 9,235 SH   SOLE   9,235 0 0
ISHARES S&P MIDCAP 400 GROWTH ETF/EQUITIES 464287606 2 36 SH   DFND   36 0 0
ISHARES RUSSELL 2000 VAL ETF/EQUITIES 464287630 224 1,642 SH   SOLE   1,642 0 0
ISHARES RUSSELL 2000 VAL ETF/EQUITIES 464287630 27 200 SH   DFND   200 0 0
ISHARES TR RUS 2000 GRW ETF/EQUITIES 464287648 26 125 SH   SOLE   125 0 0
ISHARES TR RUSSELL 2000 ETF/EQUITIES 464287655 26 153 SH   SOLE   153 0 0
ISHARES US UTILS ETF/EQUITIES 464287697 10 115 SH   SOLE   115 0 0
ISHARES S&P MIDCAP 400 VALUE ETF/EQUITIES 464287705 351 3,719 SH   SOLE   3,719 0 0
ISHARES S&P MIDCAP 400 VALUE ETF/EQUITIES 464287705 9 100 SH   DFND   100 0 0
ISHARES DOW JONES TECHNOLOGY ETF/EQUITIES 464287721 226 2,832 SH   SOLE   2,832 0 0
ISHARES TRUST ETF/EQUITIES 464287754 134 1,520 SH   SOLE   1,520 0 0
DOW JONES US ENERGY SECTOR ETF/EQUITIES 464287796 71 1,850 SH   SOLE   1,850 0 0
ISHARES TR CORE S&P SCP ETF/EQUITIES 464287804 206 2,225 SH   SOLE   2,225 0 0
ISHARES S&P 600 SMALL CAP GROWTH ETF/EQUITIES 464287887 1,453 13,800 SH   SOLE   13,800 0 0
ISHARES S&P 600 SMALL CAP GROWTH ETF/EQUITIES 464287887 549 5,209 SH   DFND   5,209 0 0
ISHARES MSCI KLD 400 SOCIAL INDEX ETF/EQUITIES 464288570 93 1,300 SH   DFND   1,300 0 0
ISHARES TR INTRM GOV CR ETF/FIXED INCOME 464288612 33 310 SH   SOLE   310 0 0
ISHARES TR CORE MSCI ETF/EQUITIES 46432F842 44 750 SH   SOLE   750 0 0
JPMORGAN CHASE & CO COMMON STOCK 46625H100 141 1,250 SH   SOLE   1,250 0 0
JPMORGAN CHASE & CO COMMON STOCK 46625H100 68 600 SH   DFND   600 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 994 5,598 SH   SOLE   5,598 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 396 2,230 SH   DFND   2,230 0 0
KELLOGG CO COMMON STOCK 487836108 20 275 SH   SOLE   275 0 0
KEYCORP NEW COMMON STOCK 493267108 2 100 SH   SOLE   100 0 0
KEYCORP NEW COMMON STOCK 493267108 6 335 SH   DFND   335 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 14 100 SH   SOLE   100 0 0
KOHL'S CORP. COMMON STOCK 500255104 30 850 SH   SOLE   850 0 0
KOHL'S CORP. COMMON STOCK 500255104 4 100 SH   DFND   100 0 0
KRAFT HEINZ CO COMMON STOCK 500754106 4 100 SH   DFND   100 0 0
KROGER CO COMMON STOCK 501044101 16 335 SH   SOLE   335 0 0
LILLY ELI & CO COMMON STOCK 532457108 83 255 SH   SOLE   255 0 0
LLOYDS BNKING GRP PLC COMMON STOCK 539439109 0 205 SH   DFND   205 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 224 520 SH   SOLE   520 0 0
LOWES COS INC COMMON STOCK 548661107 721 4,125 SH   SOLE   4,125 0 0
LOWES COS INC COMMON STOCK 548661107 175 1,000 SH   DFND   1,000 0 0
LUMEN TECHNOLOGIES INC COMMON STOCK 550241103 33 3,000 SH   DFND   3,000 0 0
MSC INDL DIRECT INC COMMON STOCK 553530106 106 1,405 SH   SOLE   1,405 0 0
MSC INDL DIRECT INC COMMON STOCK 553530106 56 750 SH   DFND   750 0 0
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202 12 90 SH   SOLE   90 0 0
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202 68 500 SH   DFND   500 0 0
MCCORMICK & CO INC COMMON STOCK 579780206 8 100 SH   SOLE   100 0 0
MCCORMICK & CO INC COMMON STOCK 579780206 42 500 SH   DFND   500 0 0
MCDONALDS CORP COMMON STOCK 580135101 25 100 SH   DFND   100 0 0
MERCK & CO INC NEW COMMON STOCK 58933Y105 275 3,015 SH   SOLE   3,015 0 0
MERCK & CO INC NEW COMMON STOCK 58933Y105 104 1,144 SH   DFND   1,144 0 0
METLIFE INC. COMMON STOCK 59156R108 73 1,157 SH   SOLE   1,157 0 0
MICROSOFT CORP COMMON STOCK 594918104 1,362 5,302 SH   SOLE   5,302 0 0
MICROSOFT CORP COMMON STOCK 594918104 306 1,190 SH   DFND   1,190 0 0
MICRON TECHNOLOGY INC COMMON STOCK 595112103 63 1,140 SH   SOLE   1,140 0 0
MICRON TECHNOLOGY INC COMMON STOCK 595112103 6 100 SH   DFND   100 0 0
MOSAIC CO NEW COMMON STOCK 61945C103 5 100 SH   DFND   100 0 0
MOTOROLA SOLUTIONS INC. COMMON STOCK 620076307 9 42 SH   DFND   42 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 290 3,740 SH   DFND   3,740 0 0
NIKE INC COMMON STOCK 654106103 95 925 SH   SOLE   925 0 0
NOKIA CORP FOREIGN EQUITIES 654902204 1 197 SH   DFND   107 90 0
NORFOLK SOUTHERN CORP. COMMON STOCK 655844108 11 50 SH   SOLE   50 0 0
NORTHROP GRUMMAN CORP COMMON STOCK 666807102 136 285 SH   SOLE   285 0 0
NORWOOD FINANCIAL CORP COMMON STOCK 669549107 4,923 203,013 SH   SOLE   203,013 0 0
NORWOOD FINANCIAL CORP COMMON STOCK 669549107 4,537 187,109 SH   DFND   3,045 184,064 0
NUCOR CORP COMMON STOCK 670346105 175 1,675 SH   SOLE   1,675 0 0
NUCOR CORP COMMON STOCK 670346105 37 350 SH   DFND   350 0 0
OCCIDENTAL PETROLEUM CORP. COMMON STOCK 674599105 28 475 SH   SOLE   475 0 0
OCCIDENTAL PETROLEUM CORP. COMMON STOCK 674599105 3 50 SH   DFND   50 0 0
OCCIDENTAL PETE CORP WARRANTS & RIGHTS 674599162 5 128 SH   SOLE   128 0 0
OCCIDENTAL PETE CORP WARRANTS & RIGHTS 674599162 1 18 SH   DFND   18 0 0
OCEANFIRST FINANCIAL CORP COMMON STOCK 675234108 42 2,200 SH   DFND   2,200 0 0
OLD REP INTL CORP COMMON STOCK 680223104 15 690 SH   SOLE   690 0 0
OLIN CORP COMMON STOCK 680665205 2 50 SH   SOLE   50 0 0
OLIN CORP COMMON STOCK 680665205 5 100 SH   DFND   100 0 0
OMNICOM GROUP INC COMMON STOCK 681919106 84 1,320 SH   SOLE   1,320 0 0
ORACLE CORP COMMON STOCK 68389X105 357 5,105 SH   SOLE   5,105 0 0
ORACLE CORP COMMON STOCK 68389X105 182 2,600 SH   DFND   2,600 0 0
ORGANON & CO COMMON STOCK 68622V106 10 300 SH   SOLE   300 0 0
ORGANON & CO COMMON STOCK 68622V106 4 114 SH   DFND   114 0 0
OTIS WORLDWIDE CORP COMMON STOCK 68902V107 30 420 SH   SOLE   420 0 0
OTIS WORLDWIDE CORP COMMON STOCK 68902V107 4 50 SH   DFND   50 0 0
PNC FINL SVCS GROUP INC COMMON STOCK 693475105 16 100 SH   SOLE   100 0 0
PPL CORP COMMON STOCK 69351T106 169 6,223 SH   SOLE   6,223 0 0
PPL CORP COMMON STOCK 69351T106 89 3,300 SH   DFND   3,300 0 0
PACCAR INC COMMON STOCK 693718108 16 200 SH   SOLE   200 0 0
PAYCHEX INC COMMON STOCK 704326107 11 100 SH   SOLE   100 0 0
PEPSICO INC COMMON STOCK 713448108 322 1,930 SH   SOLE   1,930 0 0
PEPSICO INC COMMON STOCK 713448108 111 664 SH   DFND   664 0 0
PERKIN ELMER COMMON STOCK 714046109 243 1,710 SH   SOLE   1,710 0 0
PERKIN ELMER COMMON STOCK 714046109 67 470 SH   DFND   470 0 0
PFIZER INC COMMON STOCK 717081103 657 12,527 SH   SOLE   12,527 0 0
PFIZER INC COMMON STOCK 717081103 79 1,511 SH   DFND   1,511 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109 72 726 SH   SOLE   726 0 0
PHILLIPS 66 COMMON STOCK 718546104 30 360 SH   SOLE   360 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 378 2,630 SH   SOLE   2,630 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 46 321 SH   DFND   321 0 0
PRUDENTIAL FINL INC COMMON STOCK 744320102 7 75 SH   SOLE   75 0 0
PUBLIC SVC ENTERPRISE GROUP COMMON STOCK 744573106 39 610 SH   SOLE   610 0 0
PUBLIC SVC ENTERPRISE GROUP COMMON STOCK 744573106 18 288 SH   DFND   288 0 0
QUALCOMM INC COMMON STOCK 747525103 37 293 SH   SOLE   293 0 0
QUEST DIAGNOSTICS INC. COMMON STOCK 74834L100 58 435 SH   SOLE   435 0 0
RMR GROUP INC COMMON STOCK 74967R106 3 110 SH   DFND   110 0 0
RPM INTL INC COMMON STOCK 749685103 30 375 SH   SOLE   375 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 39 410 SH   SOLE   410 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 5 50 SH   DFND   50 0 0
REGIONS FINANCIAL CORP NEW COMMON STOCK 7591EP100 2 100 SH   SOLE   100 0 0
RIO TINTO PLC COMMON STOCK 767204100 12 200 SH   DFND   200 0 0
SPDR S&P 500 ETF TRUST ETF/EQUITIES 78462F103 390 1,035 SH   SOLE   1,035 0 0
SPDR S&P 500 ETF TRUST ETF/EQUITIES 78462F103 57 150 SH   DFND   150 0 0
SPDR GOLD TRUST ETF/EQUITIES 78463V107 10 60 SH   SOLE   60 0 0
SPDR SER TR S&P TRANSN ETF/EQUITIES 78464A532 14 200 SH   SOLE   200 0 0
SPDR S&P BIOTECH ETF/EQUITIES 78464A870 24 325 SH   SOLE   325 0 0
SPDR S&P MID CAP 400 ETF/EQUITIES 78467Y107 24 57 SH   SOLE   57 0 0
SPDR SER TR S&P OILGAS ETF/EQUITIES 78468R556 11 88 SH   SOLE   88 0 0
SAN JUAN BASIN RTY TR COMMON STOCK 798241105 3 302 SH   DFND   302 0 0
SCHLUMBERGER LTD COMMON STOCK 806857108 12 325 SH   SOLE   325 0 0
SELECT SECTOR SPDR FUND MATERIALS ETF/EQUITIES 81369Y100 91 1,232 SH   SOLE   1,232 0 0
SELECT SECTOR SPDR FUND MATERIALS ETF/EQUITIES 81369Y100 9 125 SH   DFND   125 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE ETF/EQUITIES 81369Y209 804 6,270 SH   SOLE   6,270 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE ETF/EQUITIES 81369Y209 39 305 SH   DFND   305 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS ETF/EQUITIES 81369Y308 303 4,200 SH   SOLE   4,200 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS ETF/EQUITIES 81369Y308 13 185 SH   DFND   185 0 0
CONSUMER DISCRETIONARY SELECT SECTOR ETF/EQUITIES 81369Y407 373 2,716 SH   SOLE   2,716 0 0
CONSUMER DISCRETIONARY SELECT SECTOR ETF/EQUITIES 81369Y407 3 20 SH   DFND   20 0 0
SELECT SECTOR SPDRFUND ENERGY ETF/EQUITIES 81369Y506 129 1,805 SH   SOLE   1,805 0 0
SELECT SECTOR SPDRFUND ENERGY ETF/EQUITIES 81369Y506 8 105 SH   DFND   105 0 0
FINANCIAL SELECT SPDR ETF/EQUITIES 81369Y605 130 4,130 SH   SOLE   4,130 0 0
SELECT SECTOR SPDR TR TECHNOLOGY ETF/EQUITIES 81369Y803 843 6,635 SH   SOLE   6,635 0 0
SELECT SECTOR SPDR TR TECHNOLOGY ETF/EQUITIES 81369Y803 13 100 SH   DFND   100 0 0
SELECT SECTOR SPDR TR COMMUNICATION ETF/EQUITIES 81369Y852 58 1,065 SH   SOLE   1,065 0 0
SELECT SECTOR SPDR FUND ETF/EQUITIES 81369Y886 18 260 SH   SOLE   260 0 0
SERVICE PPTYS TR COMMON STOCK 81761L102 3 567 SH   DFND   567 0 0
SONOCO PRODS CO COMMON STOCK 835495102 77 1,350 SH   SOLE   1,350 0 0
SOUTHERN CO. COMMON STOCK 842587107 168 2,355 SH   SOLE   2,355 0 0
SOUTHERN CO. COMMON STOCK 842587107 129 1,803 SH   DFND   1,803 0 0
STARBUCKS CORP COMMON STOCK 855244109 99 1,295 SH   SOLE   1,295 0 0
STONEX GROUP INC COMMON STOCK 861896108 8 100 SH   SOLE   100 0 0
STRYKER CORP COMMON STOCK 863667101 50 250 SH   DFND   250 0 0
SUNCOR ENERGY INC NEW FOREIGN EQUITIES 867224107 11 300 SH   DFND   300 0 0
SYLVAMO CORP COMMON STOCK 871332102 3 90 SH   SOLE   90 0 0
SYNOVUS FINL CORP COMMON STOCK 87161C501 4 100 SH   SOLE   100 0 0
SYSCO CORP. COMMON STOCK 871829107 557 6,580 SH   SOLE   6,580 0 0
SYSCO CORP. COMMON STOCK 871829107 72 850 SH   DFND   850 0 0
TARGET CORP COMMON STOCK 87612E106 128 905 SH   SOLE   905 0 0
TARGET CORP COMMON STOCK 87612E106 58 408 SH   DFND   408 0 0
TESLA INC COMMON STOCK 88160R101 7 10 SH   DFND   10 0 0
TEVA PHARMACEUTICAL FOREIGN EQUITIES 881624209 0 50 SH   DFND   50 0 0
THERMO FISHER SCIENTIFIC COMMON STOCK 883556102 81 150 SH   SOLE   150 0 0
THERMO FISHER SCIENTIFIC COMMON STOCK 883556102 101 185 SH   DFND   185 0 0
3M CO COMMON STOCK 88579Y101 419 3,240 SH   SOLE   3,240 0 0
3M CO COMMON STOCK 88579Y101 54 415 SH   DFND   415 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109 52 310 SH   SOLE   310 0 0
TRUIST FINL CORP COMMON STOCK 89832Q109 31 649 SH   SOLE   649 0 0
TRUIST FINL CORP COMMON STOCK 89832Q109 2 50 SH   DFND   50 0 0
US BANCORP COMMON STOCK 902973304 5 100 SH   SOLE   100 0 0
UNION PAC CORP COMMON STOCK 907818108 33 156 SH   SOLE   156 0 0
UNITED PARCEL SERVICE INC COMMON STOCK 911312106 82 450 SH   SOLE   450 0 0
UNITED PARCEL SERVICE INC COMMON STOCK 911312106 9 50 SH   DFND   50 0 0
US STEEL CORPORATION COMMON STOCK 912909108 29 1,625 SH   SOLE   1,625 0 0
V F CORP COM COMMON STOCK 918204108 4 100 SH   SOLE   100 0 0
VALERO ENERGY COMMON STOCK 91913Y100 4 40 SH   SOLE   40 0 0
VALERO ENERGY COMMON STOCK 91913Y100 11 100 SH   DFND   100 0 0
VALLEY NATIONAL BANCORP COMMON STOCK 919794107 33 3,152 SH   SOLE   3,152 0 0
VANGUARD DIVIDEND APPRECIATION ETF/EQUITIES 921908844 954 6,649 SH   SOLE   6,649 0 0
VANGUARD DIVIDEND APPRECIATION ETF/EQUITIES 921908844 119 830 SH   DFND   830 0 0
VANGUARD US MOMENTUM ETF/EQUITIES 921935508 414 3,883 SH   SOLE   3,883 0 0
VANGUARD US MOMENTUM ETF/EQUITIES 921935508 3 30 SH   DFND   30 0 0
VANGUARD TAX MANAGED INTL FDFTSE ETF/EQUITIES 921943858 383 9,401 SH   SOLE   9,401 0 0
VANGUARD HIGH DIVIDEND YIELD ETF/EQUITIES 921946406 555 5,455 SH   SOLE   5,455 0 0
VANGUARD HIGH DIVIDEND YIELD ETF/EQUITIES 921946406 33 321 SH   DFND   321 0 0
VANGUARD ENERGY ETF/EQUITIES 92204A306 69 690 SH   SOLE   690 0 0
VANGUARD WORLD FDS FINANCIALS ETF/EQUITIES 92204A405 401 5,195 SH   SOLE   5,195 0 0
VANGUARD WORLD FDS FINANCIALS ETF/EQUITIES 92204A405 8 100 SH   DFND   100 0 0
VANGUARD HEALTHCARE ETF/EQUITIES 92204A504 229 973 SH   SOLE   973 0 0
VANGUARD INDUSTRIALS ETF/EQUITIES 92204A603 236 1,446 SH   SOLE   1,446 0 0
VANGUARD INDUSTRIALS ETF/EQUITIES 92204A603 18 113 SH   DFND   113 0 0
VANGUARD MATERIALS ETF/EQUITIES 92204A801 192 1,198 SH   SOLE   1,198 0 0
VANGUARD MATERIALS ETF/EQUITIES 92204A801 5 31 SH   DFND   31 0 0
VANGUARD UTILITIES ETF/EQUITIES 92204A876 111 726 SH   SOLE   726 0 0
VANGUARD UTILITIES ETF/EQUITIES 92204A876 9 60 SH   DFND   60 0 0
VANGUARD MSCI EMERGING MARKETS ETF/EQUITIES 922042858 325 7,806 SH   SOLE   7,806 0 0
VANGUARD MSCI EMERGING MARKETS ETF/EQUITIES 922042858 93 2,223 SH   DFND   2,223 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM ETF/FIXED INCOME 92206C409 1,733 22,724 SH   SOLE   22,724 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM ETF/FIXED INCOME 92206C409 252 3,300 SH   DFND   3,300 0 0
VANGUARD SCOTTSDALE FDS INT-TERM ETF/FIXED INCOME 92206C870 279 3,488 SH   SOLE   3,488 0 0
VANGUARD SCOTTSDALE FDS INT-TERM ETF/FIXED INCOME 92206C870 45 565 SH   DFND   565 0 0
VANGUARD INDEX FDS REIT ETF/EQUITIES 922908553 17 184 SH   SOLE   184 0 0
VANGUARD SMALL CAP GROWTH ETF/EQUITIES 922908595 182 922 SH   SOLE   922 0 0
VANGUARD SMALL CAP GROWTH ETF/EQUITIES 922908595 2 11 SH   DFND   11 0 0
VANGUARD EXTENDED MID BLEND ETF/EQUITIES 922908652 28 210 SH   SOLE   210 0 0
VANGUARD LARGE CAP GROWTH ETF/EQUITIES 922908736 2,294 10,291 SH   SOLE   10,291 0 0
VANGUARD LARGE CAP GROWTH ETF/EQUITIES 922908736 51 230 SH   DFND   230 0 0
VANGUARD LARGE CAP VALUE ETF/EQUITIES 922908744 1,413 10,711 SH   SOLE   10,711 0 0
VANGUARD LARGE CAP VALUE ETF/EQUITIES 922908744 33 252 SH   DFND   252 0 0
VANGUARD TOTAL STOCK MARKET ETF/EQUITIES 922908769 468 2,480 SH   SOLE   2,480 0 0
VANGUARD TOTAL STOCK MARKET ETF/EQUITIES 922908769 57 300 SH   DFND   300 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 263 5,185 SH   SOLE   5,185 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 108 2,129 SH   DFND   1,649 480 0
VIATRIS INC COMMON STOCK 92556V106 14 1,373 SH   SOLE   1,373 0 0
VIATRIS INC COMMON STOCK 92556V106 2 153 SH   DFND   153 0 0
VISA INC COMMON STOCK 92826C839 15 75 SH   SOLE   75 0 0
WABTEC COMMON STOCK 929740108 0 6 SH   DFND   6 0 0
WAL MART STORES INC COMMON STOCK 931142103 576 4,740 SH   SOLE   4,740 0 0
WAL MART STORES INC COMMON STOCK 931142103 24 200 SH   DFND   200 0 0
WALGREENS BOOTS ALLIANCE INC COMMON STOCK 931427108 91 2,405 SH   SOLE   2,405 0 0
WARNER BROS DISCOVERY INC COMMON STOCK 934423104 12 873 SH   SOLE   873 0 0
WARNER BROS DISCOVERY INC COMMON STOCK 934423104 11 847 SH   DFND   435 412 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109 138 900 SH   SOLE   900 0 0
WATTS WATER TECHNOLOGIES INC COMMON STOCK 942749102 43 350 SH   SOLE   350 0 0
WELLS FARGO COMMON STOCK 949746101 6 150 SH   SOLE   150 0 0
WELLS FARGO COMMON STOCK 949746101 4 100 SH   DFND   100 0 0
WESTERN DIGITAL CORP COMMON STOCK 958102105 4 100 SH   SOLE   100 0 0
WESTERN UNION, COMMON COMMON STOCK 959802109 39 2,360 SH   SOLE   2,360 0 0
WESTERN UNION, COMMON COMMON STOCK 959802109 7 400 SH   DFND   400 0 0
WOODSIDE ENERGY GROUP LTD FOREIGN EQUITIES 980228308 2 108 SH   DFND   108 0 0
YUM BRANDS INC COMMON STOCK 988498101 11 100 SH   DFND   100 0 0