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 Common Stock G0750C108 17 500 SH   SOLE   500 0 0
LINDE PLC Common Stock G5494J103 69 200 SH   DFND   200 0 0
MEDTRONIC PLC Common Stock G5960L103 31 300 SH   SOLE   300 0 0
MEDTRONIC PLC SHS FOREIGN EQUITIES Common Stock G5960L103 18 175 SH   DFND   175 0 0
NORWEGIAN CRUISE LINE HLDG Common Stock 666721104 2 100 SH   SOLE   100 0 0
CHUBB LIMITED COM Common Stock H14677104 97 500 SH   SOLE   500 0 0
ITURAN LOCATION & CONTROL LTD Common Stock M6158M104 3 100 SH   DFND   100 0 0
LYONDELLBASELL INDUSTRIES N SHS - Common Stock N53745100 147 1,595 SH   SOLE   1,595 0 0
LYONDELLBASELL INDUSTRIES N SHS Common Stock N53745100 9 100 SH   DFND   100 0 0
ROYAL CARIBBEAN CRUISES LTD Common Stock V7780T103 3 35 SH   SOLE   35 0 0
AFLAC INC Common Stock 001055102 35 600 SH   DFND   600 0 0
AT&T INC Common Stock 00206R102 232 9,427 SH   SOLE   9,427 0 0
AT&T INC Common Stock 00206R102 108 4,401 SH   DFND   2,697 1,704 0
ARK ETF TR INNOVATION ETF ETF/EQUITIES Exchange Traded Fund 00214Q104 5 50 SH   DFND   50 0 0
ARK ETF TR ARK SPACE EXPL ETF/EQUITIES Exchange Traded Fund 00214Q807 2 100 SH   DFND   100 0 0
ABBOTT LABS Common Stock 002824100 987 7,015 SH   SOLE   7,015 0 0
ABBOTT LABS Common Stock 002824100 77 550 SH   DFND   550 0 0
ABBVIE INC Common Stock 00287Y109 1,027 7,585 SH   SOLE   7,585 0 0
ABBVIE INC Common Stock 00287Y109 81 600 SH   DFND   600 0 0
AIR PRODUCTS & CHEMICALS INC Common Stock 009158106 61 200 SH   DFND   200 0 0
ALLETE INC COM NEW Common Stock 018522300 17 250 SH   DFND   250 0 0
ALPHABET INC USD.001 Common Stock 02079K107 14 5 SH   SOLE   5 0 0
ALPHABET INC USD.001 Common Stock 02079K305 130 45 SH   SOLE   45 0 0
ALPHABET INC USD.001 Common Stock 02079K305 14 5 SH   DFND   5 0 0
ALTRIA GROUP INC Common Stock 02209S103 62 1,310 SH   SOLE   1,310 0 0
AMEREN CORP COM Common Stock 023608102 51 574 SH   DFND   574 0 0
AMERICAN ELEC PWR INC COM Common Stock 025537101 89 1,000 SH   SOLE   1,000 0 0
AMERICAN ELEC PWR INC COM Common Stock 025537101 17 194 SH   DFND   194 0 0
AMGEN INC COM Common Stock 031162100 28 125 SH   SOLE   125 0 0
COMMON STOCK ANALOG DEVICES INC COM Common Stock 032654105 758 4,312 SH   SOLE   4,312 0 0
ANALOG DEVICES INC COM Common Stock 032654105 62 350 SH   DFND   350 0 0
APA CORPORATION COM Common Stock 03743Q108 5 200 SH   DFND   200 0 0
APPLE INCORPORATED Common Stock 037833100 1,225 6,900 SH   SOLE   6,900 0 0
APPLE INCORPORATED Common Stock 037833100 11 60 SH   DFND   60 0 0
APPLIED MATERIALS INC Common Stock 038222105 1,187 7,542 SH   SOLE   7,542 0 0
APPLIED MATERIALS INC Common Stock 038222105 538 3,420 SH   DFND   3,420 0 0
ARCONIC CORPORATION COM COMMON STOCK Common Stock 03966V107 2 75 SH   DFND   75 0 0
AUTOMATIC DATA PROCESSING INC Common Stock 053015103 6 25 SH   SOLE   25 0 0
AVERY DENNISON CORP. Common Stock 053611109 342 1,580 SH   SOLE   1,580 0 0
AVERY DENNISON CORP. Common Stock 053611109 125 575 SH   DFND   575 0 0
BP PLC SPONSORED ADR FOREIGN EQUITIES Common Stock 055622104 54 2,015 SH   SOLE   2,015 0 0
BANK OF AMERICA CORPORATION COM Common Stock 060505104 64 1,438 SH   SOLE   1,438 0 0
BANK OF AMERICA CORPORATION COM COMMON STOCK Common Stock 060505104 53 1,184 SH   DFND   1,184 0 0
BANK NEW YORK MELLON CORP COM Common Stock 064058100 71 1,223 SH   SOLE   1,223 0 0
BANK NEW YORK MELLON CORP Common Stock 064058100 16 271 SH   DFND   271 0 0
BARRICK GOLD CORP FOREIGN EQUITIES Common Stock 067901108 10 500 SH   DFND   500 0 0
BAXTER INTL INC COM Common Stock 071813109 32 375 SH   SOLE   375 0 0
BED BATH & BEYOND Common Stock 075896100 1 100 SH   DFND   100 0 0
BERKSHIRE HATHAWAY B Common Stock 084670702 644 2,155 SH   SOLE   2,155 0 0
BERKSHIRE HATHAWAY B Common Stock 084670702 48 160 SH   DFND   160 0 0
BEST BUY INC COM Common Stock 086516101 20 200 SH   SOLE   200 0 0
BHP BILLITON LIMITED Common Stock 088606108 18 300 SH   DFND   300 0 0
BIOGEN IDEC INC Common Stock 09062X103 91 380 SH   SOLE   380 0 0
BIOGEN 'DEC INC Common Stock 09062X103 2 10 SH   DFND   10 0 0
BRISTOL MYERS SQUIBB CO COM Common Stock 110122108 89 1,425 SH   SOLE   1,425 0 0
BRISTOL MYERS SQUIBB CO COM Common Stock 110122108 23 375 SH   DFND   375 0 0
BROADCOM INC COM Common Stock 11135F101 50 75 SH   SOLE   75 0 0
C H ROBINSON WORLDWIDE INC COM NEW Common Stock 12541W209 79 730 SH   SOLE   730 0 0
C H ROBINSON WORLDWIDE INC COM NEW Common Stock 12541W209 3 25 SH   DFND   25 0 0
CVS HEALTH CORP COM Common Stock 126650100 282 2,730 SH   SOLE   2,730 0 0
CVS HEALTH CORP COM Common Stock 126650100 156 1,510 SH   DFND   1,510 0 0
CAPITAL ONE FINL CORP COM Common Stock 14040H105 94 650 SH   SOLE   650 0 0
CARDINAL HEALTH INC COM Common Stock 14149Y108 101 1,965 SH   SOLE   1,965 0 0
CARDINAL HEALTH INC COM Common Stock 14149Y108 5 100 SH   DFND   100 0 0
CARNIVAL CORP Common Stock 143658300 6 300 SH   SOLE   300 0 0
CARRIER GLOBAL CORPORATION COM Common Stock 14448C104 46 840 SH   SOLE   840 0 0
CARRIER GLOBAL CORPORATION COM Common Stock 14448C104 5 100 SH   DFND   100 0 0
CATERPILLAR INC Common Stock 149123101 673 3,255 SH   SOLE   3,255 0 0
CATERPILLAR INC Common Stock 149123101 72 350 SH   DFND   350 0 0
CELANESE CORP DEL COM Common Stock 150870103 55 325 SH   SOLE   325 0 0
CELANESE CORP DEL COM Common Stock 150870103 2 10 SH   DFND   10 0 0
CHEVRON CORPORATION Common Stock 166764100 95 810 SH   SOLE   810 0 0
CHEVRON CORPORATION Common Stock 166764100 6 50 SH   DFND   50 0 0
COMMON STOCK CHURCH & DWIGHT INC Common Stock 171340102 13 125 SH   SOLE   125 0 0
CISCO SYS INC COM Common Stock 17275R102 575 9,075 SH   SOLE   9,075 0 0
CISCO SYS INC COM Common Stock 17275R102 97 1,525 SH   DFND   1,525 0 0
CINTAS CORP COM Common Stock 172908105 728 1,642 SH   SOLE   1,642 0 0
CINTAS CORP COM Common Stock 172908105 414 935 SH   DFND   935 0 0
COMMON STOCK CITIGROUP INC Common Stock 172967424 14 230 SH   SOLE   230 0 0
CITIGROUP INC Common Stock 172967424 4 74 SH   DFND   74 0 0
COCA COLA CO COM Common Stock 191216100 340 5,750 SH   SOLE   5,750 0 0
COMMON STOCK COCA COLA CO COM Common Stock 191216100 78 1,325 SH   DFND   1,325 0 0
COLGATE PALMOLIVE Common Stock 194162103 70 825 SH   SOLE   825 0 0
COMMON STOCK COMCAST CORP. CLASS A Common Stock 20030N101 23 450 SH   SOLE   450 0 0
COMPASS DIVERSIFIED HOLDINGS SHARES Partnership 20451Q104 24 800 SH   DFND   800 0 0
CONOCOPHILLIPS Common Stock 208250104 84 1,170 SH   SOLE   1,170 0 0
CONOCOPHILLIPS Common Stock 20825C104 62 860 SH   DFND   860 0 0
CONSOLIDATED EDISON INC COM Common Stock 209115104 207 2,425 SH   SOLE   2,425 0 0
CONSOLIDATED EDISON INC COM Common Stock 209115104 77 903 SH   DFND   903 0 0
COMMON STOCK CORNING INC COM Common Stock 219350105 7 200 SH   DFND   200 0 0
COSTCO WHSL CORP NEW COM Common Stock 22160K105 14 25 SH   SOLE   25 0 0
COWEN INC CL A NEW Common Stock 223622606 18 500 SH   SOLE   500 0 0
CRACKER BARREL OLD CTRY STORCOM Common Stock 22410J106 6 50 SH   DFND   50 0 0
CUMMINS INC COM Common Stock 231021106 255 1,170 SH   SOLE   1,170 0 0
COMMON STOCK CUMMINS INC COM Common Stock 231021106 5 25 SH   DFND   25 0 0
DARDEN RESTAURANTS INC COM Common Stock 237194105 45 300 SH   SOLE   300 0 0
DARDEN RESTAURANTS INC COM Common Stock 237194105 15 100 SH   DFND   100 0 0
DEERE & CO Common Stock 244199105 423 1,235 SH   SOLE   1,235 0 0
DEERE & CO. Common Stock 244199105 34 100 SH   DFND   100 0 0
DISNEY WALT CO COM DISNEY Common Stock 254687106 107 693 SH   SOLE   693 0 0
COMMON STOCK DISCOVER FINL SVCS COM Common Stock 254709108 68 585 SH   SOLE   585 0 0
DOW INC Common Stock 260557103 31 542 SH   SOLE   542 0 0
DOW INC Common Stock 260557103 10 170 SH   DFND   170 0 0
DUPONT DE NEMOURS INC Common Stock 26614N102 14 170 SH   DFND   170 0 0
ETF SER SOLUTIONS US GLB JETS ETF/EQUITIES Exchange Traded Fund 26922A842 6 275 SH   SOLE   275 0 0
EMERSON ELEC CO Common Stock 291011104 300 3,230 SH   SOLE   3,230 0 0
EMERSON ELEC CO COM COMMON STOCK Common Stock 291011104 12 125 SH   DFND   125 0 0
ENBRIDGE INC COM FOREIGN EQUITIES Common Stock 29250N105 4 98 SH   DFND   98 0 0
ENTERGY CORP NEW Common Stock 29364G103 24 210 SH   DFND   210 0 0
ENTERPRISE PRODS PARTNERS L PARTNERSHIPS Common Stock 293792107 9 394 SH   DFND   394 0 0
ESSENTIAL UTILS INC Common Stock 29670G102 9 175 SH   SOLE   175 0 0
ESSENTIAL UTILS INC COM COMMON STOCK Common Stock 29670G102 11 200 SH   DFND   200 0 0
EXELON CORP Common Stock 30161N101 66 1,150 SH   SOLE   1,150 0 0
EXELON CORP COM COMMON STOCK Common Stock 30161N101 61 1,060 SH   DFND   1,060 0 0
EXXON MOBIL CORP Common Stock 30231G102 150 2,450 SH   SOLE   2,450 0 0
EXXON MOBIL CORP Common Stock 30231G102 551 9,000 SH   DFND   9,000 0 0
META PLATFORMS, INC. Common Stock 30303M102 140 415 SH   SOLE   415 0 0
FASTENAL CO COM COMMON STOCK Common Stock 311900104 122 1,910 SH   SOLE   1,910 0 0
COM FASTENAL CO Common Stock 311900104 29 450 SH   DFND   450 0 0
FEDEX CORP Common Stock 31428X106 142 550 SH   SOLE   550 0 0
FIDELITY NATIONAL FINANCIAL FNF GROUP Common Stock 31620R303 101 1,935 SH   SOLE   1,935 0 0
FIDELITY NATIONAL FINANCIAL FNF GROUP Common Stock 31620R303 20 375 SH   DFND   375 0 0
FIFTH THIRD BANCORP Common Stock 316773100 4 100 SH   SOLE   100 0 0
FISERV INC. Common Stock 337738108 148 1,425 SH   SOLE   1,425 0 0
FISERV INC Common Stock 337738108 145 1,400 SH   DFND   1,400 0 0
FISKER INC CL A COM STK Common Stock 33813J106 3 200 SH   DFND   200 0 0
FORD MTR CO DEL COM PAR $0,01 Common Stock 345370860 52 2,500 SH   SOLE   2,500 0 0
FORD MTR CO DEL COM PAR $0.01 Common Stock 345370860 14 650 SH   DFND   650 0 0
FORTIS INC COM FOREIGN EQUITIES Common Stock 349553107 5 112 SH   DFND   112 0 0
FORTRESS TRANS INFRST INVS LCOM REP LTD LIAB Common Stock 34960P101 9 300 SH   SOLE   300 0 0
FREEPORT-MCMORAN, INC. Common Stock 35671D857 13 300 SH   DFND   300 0 0
FULTON FINANCIAL CORP Common Stock 360271100 10 600 SH   DFND   600 0 0
GENERAL DYNAMICS CORP Common Stock 369550108 21 100 SH   SOLE   100 0 0
GENERAL ELECTRIC CO COM NEW Common Stock 369604301 14 150 SH   SOLE   150 0 0
GENERAL MILLS INC Common Stock 370334104 111 1,651 SH   SOLE   1,651 0 0
GENERAL MILLS INC COMMON STOCK Common Stock 370334104 8 115 SH   DFND   115 0 0
GENERAL MOTORS Common Stock 37045V100 18 300 SH   SOLE   300 0 0
GENTEX CORP COM Common Stock 371901109 17 500 SH   DFND   500 0 0
GILEAD SCIENCES INC COM Common Stock 375558103 54 740 SH   SOLE   740 0 0
GILEAD SCIENCES INC COM Common Stock 375558103 1 20 SH   DFND   20 0 0
GLAXOSMITHKLINE PLC SPONSORED ADR Common Stock 37733W105 40 900 SH   SOLE   900 0 0
GLAXOSMITHKLINE PLC SPONSORED ADR Common Stock 37733W105 4 100 SH   DFND   100 0 0
GODADDY INC CL A Common Stock 380237107 34 400 SH   SOLE   400 0 0
GUESS INC COM Common Stock 401617105 2 100 SH   DFND   100 0 0
HP INC COM Common Stock 40434L105 125 3,318 SH   SOLE   3,318 0 0
HP INC COM Common Stock 40434L105 30 800 SH   DFND   800 0 0
HALLIBURTON CO COM Common Stock 406216101 2 100 SH   SOLE   100 0 0
HARLEY-DAVIDSON Common Stock 412822108 28 750 SH   SOLE   750 0 0
HARLEY-DAVIDSON Common Stock 412822108 38 1,000 SH   DFND   1,000 0 0
HARTFORD FIHL SCS GROUP INC Common Stock 416515104 21 300 SH   SOLE   300 0 0
HEWLETT PACKARD ENTERPRISE Common Stock 42824C109 7 450 SH   DFND   450 0 0
HOME DEPOT INC COM Common Stock 437076102 398 960 SH   SOLE   960 0 0
HOWMET AEROSPACE INC. Common Stock 443201108 10 300 SH   DFND   300 0 0
HUNTINGTON BANCSHARES INC Common Stock 446150104 3 200 SH   DFND   200 0 0
ILLINOIS TOOL WORKS INC Common Stock 452308109 724 2,933 SH   SOLE   2,933 0 0
ILLINOIS TOOL WORKS INC Common Stock 452308109 159 645 SH   DFND   645 0 0
INGREDION INC COM Common Stock 457187102 1 10 SH   DFND   10 0 0
INTEL CORP Common Stock 458140100 565 10,971 SH   SOLE   10,971 0 0
INTEL CORP Common Stock 458140100 33 650 SH   DFND   650 0 0
INTERNATIONAL BUSINESS MACHS Common Stock 459200101 517 3,866 SH   SOLE   3,866 0 0
INTERNATIONAL BUSINESS MACHS COM Common Stock 459200101 7 50 SH   DFND   50 0 0
INTERNATIONAL PAPER CO Common Stock 460146103 47 1,000 SH   SOLE   1,000 0 0
INTERPUBLIC GROUP COS INC Common Stock 460690100 76 2,040 SH   SOLE   2,040 0 0
INTERPUBLIC GROUP COS INC Common Stock 460690100 19 500 SH   DFND   500 0 0
ISHARES GOLD TR NPV Exchange Traded Fund 464285204 10 287 SH   SOLE   287 0 0
ISHARES GOLD TR NPV Exchange Traded Fund 464285204 2 51 SH   DFND   51 0 0
ISHARES MORNINGSTAR GROWTH ETF Exchange Traded Fund 464287119 78 1,090 SH   SOLE   1,090 0 0
ISHARES US TRANSPORTATION ETF Exchange Traded Fund 464287192 28 100 SH   SOLE   100 0 0
ISHARES TRUST MSCI Exchange Traded Fund 464287234 11 225 SH   SOLE   225 0 0
ISHARES TR MSCI EAFE ETF Exchange Traded Fund 464287465 27 340 SH   SOLE   340 0 0
ISHARES TR RUS MDCP VAL ETF Exchange Traded Fund 464287473 44 360 SH   SOLE   360 0 0
ISHARES TR ETF Exchange Traded Fund 464287499 108 1,303 SH   SOLE   1,303 0 0
ISHARES NORTH AMERICAN TECHNOLOGY ETF Exchange Traded Fund 464287549 178 405 SH   SOLE   405 0 0
ISHARES TR RUS 1000 VAL ETF Exchange Traded Fund 464287598 5 30 SH   SOLE   30 0 0
ISHARES S&P MIDCAP 400 GROWTH ETF Exchange Traded Fund 464287606 839 9,835 SH   SOLE   9,835 0 0
ISHARES S&P MIDCAP 400 GROWTH ETF Exchange Traded Fund 464287606 37 436 SH   DFND   436 0 0
ISHARES RUSSELL 2000 VAL ETF Exchange Traded Fund 464287630 289 1,742 SH   SOLE   1,742 0 0
ISHARES RUSSELL 2000 VAL ETF Exchange Traded Fund 464287630 33 200 SH   DFND   200 0 0
ISHARES TR RUS 2000 GRW ETF Exchange Traded Fund 464287648 40 135 SH   SOLE   135 0 0
ISHARES TR RUSSELL 2000 ETF Exchange Traded Fund 464287655 34 153 SH   SOLE   153 0 0
ISHARES US UTILS ETF Exchange Traded Fund 464287697 11 125 SH   SOLE   125 0 0
ISHARES S&P MIDCAP 400 VALUE INDEX Exchange Traded Fund 464287705 465 4,201 SH   SOLE   4,201 0 0
ISHARES S&P MIDCAP 400 VALUE INDEX Exchange Traded Fund 464287705 42 380 SH   DFND   380 0 0
ISHARES DOW JONES TECHNOLOGY Exchange Traded Fund 464287721 319 2,782 SH   SOLE   2,782 0 0
ISHARES TRUST ETF Exchange Traded Fund 464287754 201 1,780 SH   SOLE   1,780 0 0
DOW JONES US ENERGY SECTOR Exchange Traded Fund 464287796 59 1,970 SH   SOLE   1,970 0 0
ISHARES TR CORE S&P SCP ETF Exchange Traded Fund 464287804 270 2,360 SH   SOLE   2,360 0 0
ISHARES TR CORE S&P SCP ETF Exchange Traded Fund 464287804 29 250 SH   DFND   250 0 0
ISHARES S&P 600 SMALL CAP GROWTH ETF Exchange Traded Fund 464287887 1,970 14,190 SH   SOLE   14,190 0 0
ISHARES S&P 600 SMALL CAP GROWTH ETF Exchange Traded Fund 464287887 723 5,209 SH   DFND   5,209 0 0
ISHARES MSCI KLD 400 SOCIAL INDEX FUND Exchange Traded Fund 464288570 121 1,300 SH   DFND   1,300 0 0
ISHARES TR ETF INTERM GOV CR ETF Exchange Traded Fund 464288612 35 310 SH   SOLE   310 0 0
ISHARES TR CORE MSCI EAFE Exchange Traded Fund 46432F842 56 750 SH   SOLE   750 0 0
JPMORGAN CHASE & CO COM Common Stock 46625H100 182 1,150 SH   SOLE   1,150 0 0
JPMORGAN CHASE & CO COM Common Stock 46625H100 95 600 SH   DFND   600 0 0
JOHNSON & JOHNSON COM Common Stock 478160104 958 5,598 SH   SOLE   5,598 0 0
JOHNSON & JOHNSON COM Common Stock 478160104 381 2,230 SH   DFND   2,230 0 0
KELLOGG CO COM Common Stock 487836108 6 100 SH   SOLE   100 0 0
KEYCORP NEW COMMON Common Stock 493267108 2 100 SH   SOLE   100 0 0
KEYCORP NEW COMMON Common Stock 493267108 8 335 SH   DFND   335 0 0
KIMBERLY CLARK CORP COM Common Stock 494368103 14 100 SH   SOLE   100 0 0
KOHL'S CORP COM Common Stock 500255104 42 850 SH   SOLE   850 0 0
KOHL'S CORP COM Common Stock 500255104 5 100 SH   DFND   100 0 0
KRAFT HEINZ CO COM Common Stock 500754106 4 100 SH   DFND   100 0 0
KROGER CO COM Common Stock 501044101 15 335 SH   SOLE   335 0 0
KROGER CO COM Common Stock 501044101 1 20 SH   DFND   20 0 0
KYNDRYL HODGS INC COM Common Stock 50155Q100 14 773 SH   SOLE   773 0 0
KYNDRYL HODGS INC COM Common Stock 50155Q100 0 10 SH   DFND   10 0 0
LILLY ELI & CO Common Stock 532457108 70 255 SH   SOLE   255 0 0
LLOYDS BNKING GRP PLC ADR Common Stock 539439109 1 205 SH   DFND   205 0 0
LOCKHEED MARTIN CORP COM Common Stock 539830109 185 520 SH   SOLE   520 0 0
LOWES COS INC COM Common Stock 548661107 1,092 4,225 SH   SOLE   4,225 0 0
LOWES COS INC COM Common Stock 548661107 266 1,028 SH   DFND   1,028 0 0
LUMEN TECHNOLOGIES INC COM Common Stock 550241103 38 3,000 SH   DFND   3,000 0 0
MSC INDL DIRECT INC COM Common Stock 553530106 118 1,405 SH   SOLE   1,405 0 0
MSC INDL DIRECT INC COM Common Stock 553530106 63 750 SH   DFND   750 0 0
MARIOTT INTERNATIONAL INC COM Common Stock 571903202 15 90 SH   SOLE   90 0 0
MARIOTT INTERNATIONAL INC COM Common Stock 571903202 83 500 SH   DFND   500 0 0
MCCORMICK & CO INC. Common Stock 579780206 10 100 SH   SOLE   100 0 0
MCCORMICK & CO INC. Common Stock 579780206 48 500 SH   DFND   500 0 0
MCDONALDS CORP COM Common Stock 580135101 27 100 SH   DFND   100 0 0
MERCK & CO INC NEW Common Stock 58933Y105 231 3,015 SH   SOLE   3,015 0 0
MERCK & CO INC NEW Common Stock 58933Y105 88 1,144 SH   DFND   1,144 0 0
METLIFE INC COM Common Stock 59156R108 72 1,157 SH   SOLE   1,157 0 0
MICROSOFT CORP COM Common Stock 594918104 1,748 5,198 SH   SOLE   5,198 0 0
MICROSOFT CORP COM Common Stock 594918104 405 1,205 SH   DFND   1,205 0 0
MICRON TECHNOLOGY INC Common Stock 595112103 53 570 SH   SOLE   570 0 0
MICRON TECHNOLOGY INC Common Stock 595112103 9 100 SH   DFND   100 0 0
MOSAIC CO NEW Common Stock 61945C103 4 100 SH   DFND   100 0 0
MOTOROLA SOLUTIONS INC COM Common Stock 620076307 11 42 SH   DFND   42 0 0
NEXTERA ENERGY INC COM Common Stock 65339F101 349 3,740 SH   DFND   3,740 0 0
NIKE INC COM Common Stock 654106103 154 925 SH   SOLE   925 0 0
NOKIA CORP Common Stock 654902204 1 197 SH   DFND   107 90 0
NORFOLK SOUTHERN CORP COM Common Stock 655844108 15 50 SH   SOLE   50 0 0
NORTHROP GRUMMAN CORP COM Common Stock 666807102 81 210 SH   SOLE   210 0 0
NORWOOD FINANCIAL CORP COM Common Stock 669549107 5,285 203,413 SH   SOLE   203,413 0 0
NORWOOD FINANCIAL CORP COM Common Stock 669549107 4,861 187,109 SH   DFND   3,045 184,064 0
NUCOR CORP COM Common Stock 670346105 203 1,780 SH   SOLE   1,780 0 0
NUCOR CORP COM Common Stock 670346105 40 350 SH   DFND   350 0 0
OCCIDENTAL PETROLEUM CORP Warrants & Rights 674599105 22 775 SH   SOLE   775 0 0
OCCIDENTAL PETROLEUM CORP Warrants & Rights 674599105 1 50 SH   DFND   50 0 0
OCCIDENTAL PETROLEUM CORP Warrants & Rights 674599162 2 128 SH   SOLE   128 0 0
OCCIDENTAL PETROLEUM CORP Warrants & Rights 674599162 0 18 SH   DFND   18 0 0
OCEANFIRST FINANCIAL CORP COM Common Stock 675234108 49 2,200 SH   DFND   2,200 0 0
OLD REP INTL CORP COM Common Stock 680223104 16 640 SH   SOLE   640 0 0
OLIN CORP COM Common Stock 680665205 6 100 SH   DFND   100 0 0
OMNICOM GROUP INC COM Common Stock 681919106 97 1,320 SH   SOLE   1,320 0 0
ORACLE CORP COM Common Stock 68389X105 449 5,145 SH   SOLE   5,145 0 0
ORACLE CORP COM Common Stock 68389X105 227 2,600 SH   DFND   2,600 0 0
ORGANON & CO COM Common Stock 68622V106 9 300 SH   SOLE   300 0 0
ORGANON & CO COM Common Stock 68622V106 3 114 SH   DFND   114 0 0
OTIS WORLDWIDE CORP COM Common Stock 68902V107 37 420 SH   SOLE   420 0 0
OTIS WORLDWIDE CORP COM Common Stock 68902V107 4 50 SH   DFND   50 0 0
PPL CORP Common Stock 69351T106 166 5,530 SH   SOLE   5,530 0 0
PPL CORP Common Stock 69351T106 105 3,500 SH   DFND   3,500 0 0
PACCAR INC COM Common Stock 693718108 18 200 SH   SOLE   200 0 0
PACKAGING CORP AMER COM Common Stock 695156109 1 10 SH   DFND   10 0 0
PAYCHEX INC COM Common Stock 704326107 14 100 SH   SOLE   100 0 0
PEPSICO INC COM Common Stock 713448108 335 1,930 SH   SOLE   1,930 0 0
PEPSICO INC COM Common Stock 713448108 115 664 SH   DFND   664 0 0
PERKIN ELMER Common Stock 714046109 349 1,735 SH   SOLE   1,735 0 0
PERKIN ELMER Common Stock 714046109 94 470 SH   DFND   470 0 0
PFIZER INC COM Common Stock 717081103 695 11,777 SH   SOLE   11,777 0 0
PFIZER INC COM Common Stock 717081103 89 1,511 SH   DFND   1,511 0 0
PHILLIP MORRIS INTL INC COM Common Stock 718172109 59 626 SH   SOLE   626 0 0
PHILLIPS 66 COM Common Stock 718546104 33 460 SH   SOLE   460 0 0
PROCTER & GAMBLE CO COM Common Stock 742718109 430 2,630 SH   SOLE   2,630 0 0
PROCTER & GAMBLE CO COM Common Stock 742718109 53 321 SH   DFND   321 0 0
PRUDENTIAL FINL INC COM Common Stock 744320102 3 25 SH   SOLE   25 0 0
PUBLIC SVC ENTERPRISE GROUP COM Common Stock 744573106 41 610 SH   SOLE   610 0 0
PUBLIC SVC ENTERPRISE GROUP COM Common Stock 744573106 19 288 SH   DFND   288 0 0
QUALCOMM INC COM Common Stock 747525103 54 293 SH   SOLE   293 0 0
COMMON STOCK QUEST DIAGNOSTICS INC. Common Stock 74834L100 48 275 SH   SOLE   275 0 0
RMR GROUP INC CL A Common Stock 74967R106 4 110 SH   DFND   110 0 0
RPM INTL INC COM Common Stock 749685103 38 375 SH   SOLE   375 0 0
RAYTHEON TECHNOLOGIES CORP COM Common Stock 77513E101 36 420 SH   SOLE   420 0 0
RAYTHEON TECHNOLOGIES CORP COM Common Stock 77513E101 4 50 SH   DFND   50 0 0
RIO TINTO PLC SPONSORED ADR American Depositary Receipt 767204100 13 200 SH   DFND   200 0 0
SPDR S&P500 ETF TR Exchange Traded Fund 78462F103 514 1,082 SH   SOLE   1,082 0 0
SPDR S&P500 ETF TR Exchange Traded Fund 78462F103 71 150 SH   DFND   150 0 0
SPDR GOLD TRUST ETF Exchange Traded Fund 78463V107 9 50 SH   SOLE   50 0 0
SPDR SER TR S&P TRANSN ETF Exchange Traded Fund 78464A532 14 150 SH   SOLE   150 0 0
ETF/EQUITIES SPDR S&P BIOTECH ETF Exchange Traded Fund 78464A870 8 70 SH   SOLE   70 0 0
ETF/EQUITIES SPDR S&P MID CAP 400 ETF Exchange Traded Fund 78467Y107 30 57 SH   SOLE   57 0 0
SPDR SER TR S&P OILGAS EXP Exchange Traded Fund 78468R556 8 88 SH   SOLE   88 0 0
SAN JUAN BASIN RTY TR UNIT BEN INT Common Stock 798241105 2 302 SH   DFND   302 0 0
SCHLUMBERGER LTD COM Common Stock 806857108 10 325 SH   SOLE   325 0 0
SELECT SECTOR SPDR FUND MATERIALS Exchange Traded Fund 81369Y100 107 1,177 SH   SOLE   1,177 0 0
SELECT SECTOR SPDR FUND MATERIALS Exchange Traded Fund 81369Y100 11 125 SH   DFND   125 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE Exchange Traded Fund 81369Y209 962 6,830 SH   SOLE   6,830 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE Exchange Traded Fund 81369Y209 63 445 SH   DFND   445 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS Exchange Traded Fund 81369Y308 357 4,625 SH   SOLE   4,625 0 0
CONSUMER DISCRETIONARY SELECT SECTOR SPDR ET Exchange Traded Fund 81369Y308 14 185 SH   DFND   185 0 0
CONSUMER DISCRETIONARY SELECT SECTOR SPDR ET Exchange Traded Fund 81369Y407 545 2,668 SH   SOLE   2,668 0 0
CONSUMER DISCRETIONARY SELECT SECTOR SPDR ETF Exchange Traded Fund 81369Y407 4 20 SH   DFND   20 0 0
SELECT SECTOR SPDRFUND ENERGY ETF Exchange Traded Fund 81369Y506 118 2,125 SH   SOLE   2,125 0 0
SELECT SECTOR SPDRFUND ENERGY ETF Exchange Traded Fund 81369Y506 13 230 SH   DFND   230 0 0
FINANCIAL SELECT SPDR ETF Exchange Traded Fund 81369Y605 160 4,105 SH   SOLE   4,105 0 0
SELECT SECTOR SPDR TR TECHNOLOGY ETF Exchange Traded Fund 81369Y803 1,079 6,205 SH   SOLE   6,205 0 0
SELECT SECTOR SPDR TR TECHNOLOGY ETF Exchange Traded Fund 81369Y803 53 305 SH   DFND   305 0 0
SELECT SECTOR SPDR TR COMMUNICATION ETF Exchange Traded Fund 81369Y852 65 835 SH   SOLE   835 0 0
SELECT SECTOR SPDR FUND ETF Exchange Traded Fund 81369Y886 19 260 SH   SOLE   260 0 0
SERVICE PPTYS TR COM SH BEN INT COM Common Stock 81761L102 5 567 SH   DFND   567 0 0
SNAP-ON INC Common Stock 833034101 2 10 SH   DFND   10 0 0
SONOCO PRODS CO Common Stock 835495102 78 1,350 SH   SOLE   1,350 0 0
SOUTHERN CO Common Stock 842587107 162 2,355 SH   SOLE   2,355 0 0
SOUTHERN CO Common Stock 842587107 124 1,803 SH   DFND   1,803 0 0
STARBUCKS CORP Common Stock 855244109 73 625 SH   SOLE   625 0 0
STONEX GROUP INC Common Stock 861896108 31 500 SH   SOLE   500 0 0
STRYKER CORP COM Common Stock 863667101 67 250 SH   DFND   250 0 0
SUNCOR ENERGY INC NEW Common Stock 867224107 8 300 SH   DFND   300 0 0
SYLVAMO CORP Common Stock 871332102 3 90 SH   SOLE   90 0 0
SYSCO CORP. Common Stock 871829107 519 6,605 SH   SOLE   6,605 0 0
SYSCO CORP. Common Stock 871829107 67 850 SH   DFND   850 0 0
TARGET CORP Common Stock 87612E106 209 905 SH   SOLE   905 0 0
TARGET CORP COM Common Stock 87612E106 94 408 SH   DFND   408 0 0
TESLA INC COM Common Stock 88160R101 11 10 SH   DFND   10 0 0
TEVA PHARMACEUTICAL Common Stock 881624209 0 50 SH   DFND   50 0 0
THERMO FISHER SCIENTIFIC Common Stock 883556102 100 150 SH   SOLE   150 0 0
THERMO FISHER SCIENTIFIC Common Stock 883556102 123 185 SH   DFND   185 0 0
3M CO COM Common Stock 88579Y101 463 2,605 SH   SOLE   2,605 0 0
3M CO COM Common Stock 88579Y101 74 415 SH   DFND   415 0 0
TRAVEL PLUS LEISURE CO COM Common Stock 894164102 6 100 SH   SOLE   100 0 0
TRAVELERS COMPANIES INC COM Common Stock 89417E109 48 310 SH   SOLE   310 0 0
TRUIST FINL CORP Common Stock 89832Q109 38 649 SH   SOLE   649 0 0
TRUIST FINL CORP Common Stock 89832Q109 3 50 SH   DFND   50 0 0
US BANCORP Common Stock 902973304 6 100 SH   SOLE   100 0 0
UNION PAC CORP Common Stock 907818108 39 156 SH   SOLE   156 0 0
UNITED PARCEL SERVICE INC Common Stock 911312106 96 450 SH   SOLE   450 0 0
UNITED PARCEL SERVICE INC Common Stock 911312106 11 50 SH   DFND   50 0 0
US STEEL CORP Common Stock 912909108 36 1,500 SH   SOLE   1,500 0 0
V F CORP Common Stock 918204108 7 100 SH   SOLE   100 0 0
VALERO ENERGY Common Stock 91913Y100 11 140 SH   SOLE   140 0 0
VALERO ENERGY Common Stock 91913Y100 8 100 SH   DFND   100 0 0
VALLEY NATIONAL BANCORP Common Stock 919794107 43 3,152 SH   SOLE   3,152 0 0
VANGUARD DIVIDEND APRECIATION EFT Exchange Traded Fund 921908844 1,361 7,922 SH   SOLE   7,922 0 0
VANGUARD DIVIDEND APRECIATION EFT Exchange Traded Fund 921908844 155 900 SH   DFND   900 0 0
VANGUARD US MOMENTUM ETF Exchange Traded Fund 921935508 560 4,209 SH   SOLE   4,209 0 0
VANGUARD US MOMENTUM ETF Exchange Traded Fund 921935508 4 30 SH   DFND   30 0 0
VANGUARD TAX MANAGED INTL FDFTSE DEV MKT ETF Exchange Traded Fund 921943858 420 8,231 SH   SOLE   8,231 0 0
VNGUARD HIGH DIVIDEND YIELD EFT Exchange Traded Fund 921946406 661 5,895 SH   SOLE   5,895 0 0
VNGUARD HIGH DIVIDEND YIELD EFT Exchange Traded Fund 921946406 66 591 SH   DFND   591 0 0
VANGUARD ENERGY ETF Exchange Traded Fund 92204A306 54 690 SH   SOLE   690 0 0
VANGUARD WORLD FDS FINANCIALS ETF Exchange Traded Fund 92204A405 535 5,545 SH   SOLE   5,545 0 0
VANGUARD WORLD FDS FINANCIALS ETF Exchange Traded Fund 92204A405 24 245 SH   DFND   245 0 0
VANGUARD HEALTHCARE ETF Exchange Traded Fund 92204A504 270 1,013 SH   SOLE   1,013 0 0
VANGUARD INDUSTRIALS ETF Exchange Traded Fund 92204A603 324 1,596 SH   SOLE   1,596 0 0
VANGUARD INDUSTRIALS ETF Exchange Traded Fund 92204A603 23 113 SH   DFND   113 0 0
VANGUARD MATERIALS ETF Exchange Traded Fund 92204A801 261 1,328 SH   SOLE   1,328 0 0
VANGUARD MATERIALS ETF Exchange Traded Fund 92204A801 6 31 SH   DFND   31 0 0
VANGUARD UTILITIES ETF Exchange Traded Fund 92204A876 127 811 SH   SOLE   811 0 0
VANGUARD UTILITIES ETF Exchange Traded Fund 92204A876 9 60 SH   DFND   60 0 0
VANGUARD MSCI EMERGING MARKETS ETF Exchange Traded Fund 922042858 431 8,726 SH   SOLE   8,726 0 0
VANGUARD MSCI EMERGING MARKETS ETF Exchange Traded Fund 922042858 110 2,223 SH   DFND   2,223 0 0
VANGUARD SCOTTSDALE SHRT TRM BD FDS ETF Exchange Traded Fund 92206C409 2,491 30,654 SH   SOLE   30,654 0 0
VANGUARD SCOTTSDALE SHRT TRM BD FDS ETF Exchange Traded Fund 92206C409 268 3,300 SH   DFND   3,300 0 0
VANGUARD SCOTTSDALE INT TERM CORP BD ETF Exchange Traded Fund 92206C870 2,115 22,801 SH   SOLE   22,801 0 0
VANGUARD SCOTTSDALE INT TERM CORP BD ETF Exchange Traded Fund 922060870 154 1,660 SH   DFND   1,660 0 0
VANGUARD INDEX REIT ETF Exchange Traded Fund 922908553 21 184 SH   SOLE   184 0 0
VANGUARD SMALL CAP GROWTH ETF Exchange Traded Fund 922908595 301 1,067 SH   SOLE   1,067 0 0
VANGUARD SMALL CAP GROWTH ETF Exchange Traded Fund 922908595 3 11 SH   DFND   11 0 0
VANGUARD EXTENDED MID BLEND ETF Exchange Traded Fund 922908652 38 210 SH   SOLE   210 0 0
VANGUARD LARGE CAP GROWTH ETF Exchange Traded Fund 922908736 3,441 10,724 SH   SOLE   10,724 0 0
VANGUARD LARGE CAP GROWTH ETF Exchange Traded Fund 922908736 98 305 SH   DFND   305 0 0
VANGUARD LARGE CAP VALUE ETF Exchange Traded Fund 922908744 1,618 10,996 SH   SOLE   10,996 0 0
VANGUARD LARGE CAP VALUE ETF Exchange Traded Fund 922908744 51 347 SH   DFND   347 0 0
VANGUARD TOTAL STOCK MARKET ETF Exchange Traded Fund 922908769 672 2,785 SH   SOLE   2,785 0 0
VANGUARD TOTAL STOCK MARKET ETF Exchange Traded Fund 922908769 93 385 SH   DFND   385 0 0
VERIZON COMMUNICATIONS COMMON Common Stock 92343V104 270 5,190 SH   SOLE   5,190 0 0
VERIZON COMMUNICATIONS Common Stock 92343V104 111 2,129 SH   DFND   1,649 480 0
VIATRIS INC Common Stock 92556V106 19 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 16 75 SH   SOLE   75 0 0
WABTEC Common Stock 929740108 1 6 SH   DFND   6 0 0
WALMART STORES INC. Common Stock 931142103 658 4,550 SH   SOLE   4,550 0 0
WALMART STORES INC. Common Stock 931142103 33 225 SH   DFND   225 0 0
WALGREENS BOOTS ALLIANCE INC Common Stock 931427108 125 2,405 SH   SOLE   2,405 0 0
WASTE MANAGEMENT INC. Common Stock 94106L109 150 900 SH   SOLE   900 0 0
WATTS WATER TECHNOLOGIES INC. Common Stock 942749102 68 350 SH   SOLE   350 0 0
WELLS FARGO Common Stock 949746101 6 125 SH   SOLE   125 0 0
WELLS FARGO Common Stock 949746101 5 100 SH   DFND   100 0 0
WESTERN DIGITAL CORP COM Common Stock 958102105 7 100 SH   SOLE   100 0 0
WESTERN UNION Common Stock 959802109 44 2,460 SH   SOLE   2,460 0 0
WESTERN DIGITAL CORP Common Stock 959802109 7 400 SH   DFND   400 0 0
YUM BRANDS INC Common Stock 988498101 14 100 SH   DFND   100 0 0