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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ACCENTURE LTD BERMUDA CL A FOREIGN EQUITIES G1151C101   171,077 484 SH   SOLE   484 0 0
ACCENTURE LTD BERMUDA CL A FOREIGN EQUITIES G1151C101   70,694 200 SH   DFND   200 0 0
EATON CORP PLC FOREIGN EQUITIES G29183103   133,899 404 SH   SOLE   286 118 0
LINDE PLC SHS FOREIGN EQUITIES G54950103   47,685 100 SH   SOLE   100 0 0
MEDTRONIC PLC ORDINARY COMMON STOCK G5960L103   353,366 3,925 SH   SOLE   3,925 0 0
MEDTRONIC PLC ORDINARY COMMON STOCK G5960L103   40,963 455 SH   DFND   100 355 0
ALCON INC ORD SHS COMMON STOCK H01301128   11,007 110 SH   SOLE   110 0 0
ALCON INC ORD SHS COMMON STOCK H01301128   12,908 129 SH   DFND   77 52 0
LYONDELLBASELL INDUSTRIES N.V. CL A FOREIGN EQUITIES N53745100   15,151 158 SH   SOLE   158 0 0
AT&T INC COM COMMON STOCK 00206R102   343,904 15,632 SH   SOLE   15,132 0 500
AT&T INC COM COMMON STOCK 00206R102   134,750 6,125 SH   DFND   2,330 3,795 0
ABBOTT LABS COM COMMON STOCK 002824100   1,162,885 10,200 SH   SOLE   8,773 1,127 300
ABBOTT LABS COM COMMON STOCK 002824100   380,564 3,338 SH   DFND   3,288 50 0
ABBVIE INC COMMON STOCK 00287Y109   3,004,838 15,216 SH   SOLE   14,233 683 300
ABBVIE INC COMMON STOCK 00287Y109   1,393,811 7,058 SH   DFND   6,548 510 0
ADOBE INC COM COMMON STOCK 00724F101   1,691,526 3,267 SH   SOLE   3,236 31 0
ADOBE INC COM COMMON STOCK 00724F101   32,619 63 SH   DFND   63 0 0
AGILENT TECHNOLOGIES INC COM COMMON STOCK 00846U101   11,432 77 SH   SOLE   77 0 0
AGILENT TECHNOLOGIES INC COM COMMON STOCK 00846U101   29,696 200 SH   DFND   0 200 0
AIR PRODUCT AND CHEMICALS INC COMMON STOCK 009158106   1,310,597 4,402 SH   SOLE   3,937 465 0
AIR PRODUCT AND CHEMICALS INC COMMON STOCK 009158106   829,178 2,785 SH   DFND   2,585 200 0
AIR TRANSPORT SERVICES GRP ICOM COMMON STOCK 00922R105   36,243 2,240 SH   SOLE   2,240 0 0
ALLSTATE CORP COM COMMON STOCK 020002101   18,965 100 SH   SOLE   100 0 0
ALNYLAM PHARMACEUTICALS INC COM COMMON STOCK 02043Q107   13,751 50 SH   SOLE   50 0 0
ALPHABET INC CAP STK CL C COMMON STOCK 02079K107   1,566,901 9,372 SH   SOLE   7,888 1,484 0
ALPHABET INC CAP STK CL C COMMON STOCK 02079K107   2,114,785 12,649 SH   DFND   12,200 449 0
ALPHABET INC CAP STK CL A COMMON STOCK 02079K305   2,181,905 13,156 SH   SOLE   12,853 103 200
ALPHABET INC CAP STK CL A COMMON STOCK 02079K305   295,710 1,783 SH   DFND   1,538 245 0
ALTRIA GROUP INC COMMON STOCK 02209S103   160,622 3,147 SH   SOLE   3,147 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103   170,984 3,350 SH   DFND   1,500 1,850 0
AMAZON COM INC COM COMMON STOCK 023135106   3,919,424 21,035 SH   SOLE   19,665 1,278 92
AMAZON COM INC COM COMMON STOCK 023135106   2,527,939 13,567 SH   DFND   13,285 282 0
AMERICAN ELEC PWR INC COM COMMON STOCK 025537101   285,741 2,785 SH   DFND   2,785 0 0
AMERICAN EXPRESS CO COM COMMON STOCK 025816109   2,718,660 10,025 SH   SOLE   8,945 1,080 0
AMERICAN EXPRESS CO COM COMMON STOCK 025816109   463,189 1,708 SH   DFND   1,065 643 0
AMERICAN INTL GROUP INC COM COMMON STOCK 026874784   585 8 SH   SOLE   8 0 0
AMERICAN WATER WORKS COMMON STOCK 030420103   446,909 3,056 SH   SOLE   2,868 188 0
AMERICAN WATER WORKS COMMON STOCK 030420103   118,892 813 SH   DFND   393 420 0
AMERIPRISE FINL INC COM COMMON STOCK 03076C106   354,699 755 SH   SOLE   755 0 0
AMGEN INC COM COMMON STOCK 031162100   926,319 2,875 SH   SOLE   2,597 278 0
AMGEN INC COM COMMON STOCK 031162100   620,235 1,925 SH   DFND   1,800 125 0
AMPLIFY ETF TR AMPLIFY ALTERNAT MUTUAL FUNDS-ETF EQUITIES 032108631   330 100 SH   SOLE   100 0 0
ANALOG DEVICES INC COMMON STOCK 032654105   1,960,564 8,518 SH   SOLE   7,549 969 0
ANALOG DEVICES INC COMMON STOCK 032654105   161,113 700 SH   DFND   405 295 0
APPLE COMPUTER INC COM COMMON STOCK 037833100   10,285,785 44,145 SH   SOLE   42,015 1,862 268
APPLE COMPUTER INC COM COMMON STOCK 037833100   2,070,205 8,885 SH   DFND   6,865 2,020 0
APPLIED MATLS INC COM COMMON STOCK 038222105   978,720 4,844 SH   SOLE   4,844 0 0
APPLIED MATLS INC COM COMMON STOCK 038222105   28,084 139 SH   DFND   139 0 0
ASTRAZENECA PLC SPONSORED ADR FOREIGN EQUITIES 046353108   5,998 77 SH   SOLE   77 0 0
AUTOMATIC DATA PROCESSING INCOM COMMON STOCK 053015103   716,704 2,590 SH   SOLE   2,590 0 0
AUTOMATIC DATA PROCESSING INCOM COMMON STOCK 053015103   104,600 378 SH   DFND   200 178 0
AUTOZONE INC COM COMMON STOCK 053332102   985,962 313 SH   SOLE   313 0 0
AUTOZONE INC COM COMMON STOCK 053332102   157,502 50 SH   DFND   50 0 0
BP PLC SPONSORED ADR COMMON STOCK 055622104   100,603 3,206 SH   SOLE   3,206 0 0
BP PLC SPONSORED ADR COMMON STOCK 055622104   67,247 2,143 SH   DFND   1,993 150 0
BANKAMERICA CORP NEW COMMON STOCK 060505104   491,630 12,390 SH   SOLE   12,390 0 0
BANK NEW YORK MELLON CORP COM COMMON STOCK 064058100   100,384 1,397 SH   SOLE   1,397 0 0
BAXTER INTL INC COM COMMON STOCK 071813109   75,940 2,000 SH   DFND   2,000 0 0
BERKSHIRE HATHAWAY B NEW COMMON STOCK 084670702   2,347,315 5,100 SH   SOLE   4,659 441 0
BERKSHIRE HATHAWAY B NEW COMMON STOCK 084670702   791,646 1,720 SH   DFND   1,654 66 0
BLACKROCK INC COM COMMON STOCK 09247X101   780,493 822 SH   SOLE   810 12 0
BLACKROCK INC COM COMMON STOCK 09247X101   664,657 700 SH   DFND   700 0 0
BOEING CO COM COMMON STOCK 097023105   1,235,767 8,128 SH   SOLE   8,104 24 0
BOEING CO COM COMMON STOCK 097023105   116,309 765 SH   DFND   765 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108   711,165 13,745 SH   SOLE   13,545 0 200
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108   348,520 6,736 SH   DFND   5,965 771 0
BROADCOM INC NPV COMMON STOCK 11135F101   6,444,598 37,360 SH   SOLE   33,650 3,710 0
BROADCOM INC NPV COMMON STOCK 11135F101   301,875 1,750 SH   DFND   1,160 590 0
CSX CORP COM COMMON STOCK 126408103   20,712 600 SH   SOLE   600 0 0
CVS/CAREMARK CORP COM COMMON STOCK 126650100   99,596 1,584 SH   SOLE   1,468 116 0
CVS/CAREMARK CORP COM COMMON STOCK 126650100   17,920 285 SH   DFND   0 285 0
CARRIER GLOBAL CORPORATION COM COMMON STOCK 14448C104   8,049 100 SH   SOLE   100 0 0
CARRIER GLOBAL CORPORATION COM COMMON STOCK 14448C104   442,695 5,500 SH   DFND   5,500 0 0
CATERPILLAR INC DEL COM COMMON STOCK 149123101   1,066,152 2,726 SH   SOLE   2,622 104 0
CATERPILLAR INC DEL COM COMMON STOCK 149123101   75,092 192 SH   DFND   145 47 0
CHEMOURS CO COM COMMON STOCK 163851108   2,659 131 SH   SOLE   131 0 0
CHEVRONTEXACO CORP COM COMMON STOCK 166764100   1,561,932 10,606 SH   SOLE   10,453 153 0
CHEVRONTEXACO CORP COM COMMON STOCK 166764100   906,297 6,154 SH   DFND   5,854 300 0
CISCO SYS INC COM COMMON STOCK 17275R102   1,869,337 35,125 SH   SOLE   33,126 1,849 150
CISCO SYS INC COM COMMON STOCK 17275R102   256,518 4,820 SH   DFND   2,400 2,420 0
CITIGROUP INC NEW COMMON STOCK 172967424   81,505 1,302 SH   SOLE   1,302 0 0
CLOROX COMPANY COMMON STOCK 189054109   12,217 75 SH   SOLE   75 0 0
COCA COLA CO COM COMMON STOCK 191216100   1,313,664 18,281 SH   SOLE   17,726 0 555
COCA COLA CO COM COMMON STOCK 191216100   237,639 3,307 SH   DFND   2,732 575 0
COINBASE GLOBAL INC COM CL A COMMON STOCK 19260Q107   17,817 100 SH   SOLE   100 0 0
COLGATE PALMOLIVE CO COM COMMON STOCK 194162103   87,199 840 SH   SOLE   840 0 0
COLGATE PALMOLIVE CO COM COMMON STOCK 194162103   415,240 4,000 SH   DFND   4,000 0 0
COMCAST CORP COMMON STOCK 20030N101   710,290 17,005 SH   SOLE   14,978 2,027 0
COMCAST CORP COMMON STOCK 20030N101   76,146 1,823 SH   DFND   1,823 0 0
COMMUNITY BANK SYSTEM INC COMMON STOCK 203607106   314,220 5,412 SH   SOLE   5,412 0 0
CONOCOPHILLIPS COM COMMON STOCK 20825C104   141,390 1,343 SH   SOLE   1,343 0 0
CONOCOPHILLIPS COM COMMON STOCK 20825C104   52,640 500 SH   DFND   500 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104   208 2 SH   SOLE   2 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104   52,065 500 SH   DFND   0 0 500
CONSTELLATION ENERGY CORP COM COMMON STOCK 21037T109   52,001 200 SH   SOLE   34 0 166
CONSTELLATION ENERGY CORP COM COMMON STOCK 21037T109   17,160 66 SH   DFND   66 0 0
CORTEVA INC COM COMMON STOCK 22052L104   134,506 2,288 SH   SOLE   2,085 0 203
CORTEVA INC COM COMMON STOCK 22052L104   222,810 3,790 SH   DFND   1,945 1,845 0
COSTCO WHSL CORP NEW COMMON STOCK 22160K105   859,917 970 SH   SOLE   857 113 0
COSTCO WHSL CORP NEW COMMON STOCK 22160K105   102,836 116 SH   DFND   116 0 0
DANAHER CORP COMMON STOCK 235851102   601,052 2,162 SH   SOLE   1,944 218 0
DANAHER CORP COMMON STOCK 235851102   22,240 80 SH   DFND   80 0 0
DEERE & CO COM COMMON STOCK 244199105   779,548 1,868 SH   SOLE   1,739 0 129
DEERE & CO COM COMMON STOCK 244199105   580,908 1,392 SH   DFND   1,343 49 0
DISNEY WALT CO COM DISNEY COMMON STOCK 254687106   318,474 3,311 SH   SOLE   3,311 0 0
DISNEY WALT CO COM DISNEY COMMON STOCK 254687106   50,499 525 SH   DFND   100 100 325
DISCOVER FINL SVCS COMMON STOCK 254709108   15,291 109 SH   SOLE   109 0 0
DOMINION RES INC VA NEW COM COMMON STOCK 25746U109   636,778 11,019 SH   SOLE   10,419 0 600
DOMINION RES INC VA NEW COM COMMON STOCK 25746U109   496,762 8,596 SH   DFND   7,696 900 0
DOW INC COM COMMON STOCK 260557103   150,496 2,755 SH   SOLE   2,552 0 203
DOW INC COM COMMON STOCK 260557103   207,043 3,790 SH   DFND   1,945 1,845 0
DUKE ENERGY HLDG CORP COMMON STOCK 26441C204   568,073 4,927 SH   SOLE   4,927 0 0
DUKE ENERGY HLDG CORP COMMON STOCK 26441C204   513,199 4,451 SH   DFND   4,385 66 0
DUPONT DE NEMOURS INC COM COMMON STOCK 26614N102   360,345 4,044 SH   SOLE   3,841 0 203
DUPONT DE NEMOURS INC COM COMMON STOCK 26614N102   319,897 3,590 SH   DFND   1,745 1,845 0
EATON VANCE INSURED MUNI BD FD MUTUAL FUNDS-ETF FIXED INCOME 27827X101   17,926 1,666 SH   SOLE   1,666 0 0
EBAY INC COM COMMON STOCK 278642103   26,564 408 SH   SOLE   408 0 0
ECOLAB INC COMMON STOCK 278865100   567,593 2,223 SH   SOLE   2,107 116 0
ECOLAB INC COMMON STOCK 278865100   57,447 225 SH   DFND   225 0 0
EMERSON ELEC CO COM COMMON STOCK 291011104   1,583,117 14,475 SH   SOLE   12,845 1,230 400
EMERSON ELEC CO COM COMMON STOCK 291011104   562,269 5,141 SH   DFND   3,565 1,576 0
ENBRIDGE INC COMMON STOCK 29250N105   846,212 20,838 SH   SOLE   20,556 282 0
ENBRIDGE INC COMMON STOCK 29250N105   418,564 10,307 SH   DFND   8,595 1,712 0
ENERGY TRANSFER EQUITY L P COM UNIT LTD PRTNERS PARTNERSHIPS 29273V100   28,743 1,792 SH   SOLE   1,792 0 0
ENTEGRIS INC COMMON STOCK 29362U104   22,506 200 SH   SOLE   200 0 0
ESSA BANCORP INC COM COMMON STOCK 29667D104   26,317 1,370 SH   SOLE   1,370 0 0
ESSENTIAL UTILS INC COM COMMON STOCK 29670G102   38,560 1,000 SH   SOLE   0 0 1,000
ESSENTIAL UTILS INC COM COMMON STOCK 29670G102   9,640 250 SH   DFND   250 0 0
EXELON CORP COM COMMON STOCK 30161N101   144,888 3,574 SH   SOLE   3,074 0 500
EXELON CORP COM COMMON STOCK 30161N101   24,324 600 SH   DFND   600 0 0
EXPEDITORS INTL WASH INC COMMON STOCK 302130109   282,377 2,149 SH   SOLE   1,297 852 0
EXPEDITORS INTL WASH INC COMMON STOCK 302130109   214,970 1,636 SH   DFND   350 1,286 0
EXXON MOBIL CORP COM COMMON STOCK 30231G102   2,525,721 21,547 SH   SOLE   21,353 94 100
EXXON MOBIL CORP COM COMMON STOCK 30231G102   1,770,369 15,103 SH   DFND   9,799 4,704 600
F N B CORP PA COMMON STOCK 302520101   817,491 57,937 SH   SOLE   57,937 0 0
FACEBOOK INC COMMON STOCK 30303M102   1,822,644 3,184 SH   SOLE   3,184 0 0
FACEBOOK INC COMMON STOCK 30303M102   166,007 290 SH   DFND   240 50 0
FASTENAL CO COM COMMON STOCK 311900104   2,029,459 28,416 SH   SOLE   24,439 3,177 800
FASTENAL CO COM COMMON STOCK 311900104   726,053 10,166 SH   DFND   7,720 2,446 0
FIDELITY D & D BANCORP INC COM COMMON STOCK 31609R100   7,203 146 SH   SOLE   146 0 0
FORD MTR CO DEL COM PAR $0.01 COMMON STOCK 345370860   5,280 500 SH   SOLE   500 0 0
FREEPORTMCMORAN COPP CL B COMMON STOCK 35671D857   10,680 214 SH   SOLE   214 0 0
FREEPORTMCMORAN COPP CL B COMMON STOCK 35671D857   2,695 54 SH   DFND   54 0 0
GE HEALTHCARE TECHNOLOGIES ICOMMON STOCK COMMON STOCK 36266G107   26,932 287 SH   SOLE   287 0 0
GE HEALTHCARE TECHNOLOGIES ICOMMON STOCK COMMON STOCK 36266G107   19,049 203 SH   DFND   16 187 0
GARRETT MOTION INC COM COMMON STOCK 366505105   81 10 SH   DFND   0 10 0
GE VERNOVA INC COM COMMON STOCK 36828A101   55,072 216 SH   SOLE   216 0 0
GE VERNOVA INC COM COMMON STOCK 36828A101   41,813 164 SH   DFND   12 152 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108   139,611 462 SH   SOLE   462 0 0
GENERAL ELEC CO COM COMMON STOCK 369604301   251,185 1,332 SH   SOLE   1,332 0 0
GENERAL ELEC CO COM COMMON STOCK 369604301   126,347 670 SH   DFND   50 620 0
GENERAL MLS INC COM COMMON STOCK 370334104   618,855 8,380 SH   SOLE   7,652 728 0
GENERAL MLS INC COM COMMON STOCK 370334104   349,013 4,726 SH   DFND   4,026 700 0
GENERAL MOTORS CO COM COMMON STOCK 37045V100   8,968 200 SH   SOLE   200 0 0
GLAXOSMITHKLINE PLC SPONSORED ADR COMMON STOCK 37733W204   113,313 2,772 SH   SOLE   2,772 0 0
GLAXOSMITHKLINE PLC SPONSORED ADR COMMON STOCK 37733W204   3,270 80 SH   DFND   80 0 0
GLOBAL PAMENTS INC COMMON STOCK 37940X102   10,242 100 SH   SOLE   100 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104   1,897,704 3,833 SH   SOLE   3,648 185 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104   127,733 258 SH   DFND   203 55 0
HALEON PLC SPON ADS FOREIGN EQUITIES 405552100   1,058 100 SH   DFND   100 0 0
HASBRO INC COM COMMON STOCK 418056107   15,763 218 SH   SOLE   218 0 0
HERSHEY FOODS CORP COM COMMON STOCK 427866108   82,272 429 SH   SOLE   429 0 0
HOME DEPOT INC COM COMMON STOCK 437076102   2,327,457 5,744 SH   SOLE   5,293 451 0
HOME DEPOT INC COM COMMON STOCK 437076102   94,006 232 SH   DFND   232 0 0
HONEYWELL INTL INC COM COMMON STOCK 438516106   582,920 2,820 SH   SOLE   2,820 0 0
HONEYWELL INTL INC COM COMMON STOCK 438516106   20,671 100 SH   DFND   0 100 0
INDEXIQ ETF TR HEDGE MLTI ETF ETF- ALTERNATIVE 45409B107   24,854 775 SH   SOLE   775 0 0
INTEL CORP COM COMMON STOCK 458140100   47,790 2,038 SH   SOLE   1,638 0 400
INTEL CORP COM COMMON STOCK 458140100   98,443 4,198 SH   DFND   3,798 400 0
INTERNATIONAL BUSINESS MACHSCOM COMMON STOCK 459200101   492,121 2,226 SH   SOLE   2,226 0 0
INTERNATIONAL BUSINESS MACHSCOM COMMON STOCK 459200101   455,645 2,061 SH   DFND   0 2,061 0
INVESCO EXCHANGE TRADED FD TS&P500 EQL WGT ETF EQUITIES 46137V357   335,024 1,870 SH   SOLE   1,870 0 0
INVESCO EX PFD ETF MUTUAL FUNDS-ETF EQUITIES 46138E511   49,400 4,000 SH   SOLE   4,000 0 0
ISHARES MSCI PAC JP ETF MUTUAL FUNDS-EQUITIES 464286665   2,442 50 SH   SOLE   50 0 0
ISHARES S&P 100 MUTUAL FUNDS-EQUITIES 464287101   13,838 50 SH   SOLE   50 0 0
I SHARES TR DJ SLECT DIV INDEX ETF EQUITIES 464287168   90,089 667 SH   SOLE   667 0 0
ISHARES S&P 500 INDEX MUTUAL FUNDS-ETF EQUITIES 464287200   2,165,951 3,755 SH   SOLE   3,755 0 0
ISHARES S&P 500 INDEX MUTUAL FUNDS-ETF EQUITIES 464287200   5,191 9 SH   DFND   0 9 0
ISHARES TR MSCI EAFE INDEX MUTUAL FUNDS-ETF EQUITIES 464287465   552,704 6,609 SH   SOLE   6,609 0 0
ISHARES TR MSCI EAFE INDEX MUTUAL FUNDS-ETF EQUITIES 464287465   242,526 2,900 SH   DFND   793 2,107 0
ISHARES TR RUS MD CP GR ETF ETF EQUITIES 464287481   11,611 99 SH   SOLE   99 0 0
ISHARES RUSSELL MID-CAP ETF MUTUAL FUNDS-EQUITIES 464287499   26,442 300 SH   SOLE   300 0 0
ISHARES RUSSELL 1000 VALUE ETF EQUITIES 464287598   35,113 185 SH   SOLE   185 0 0
ISHARES RUSSELL 1000 GROWTH ETF EQUITIES 464287614   48,799 130 SH   SOLE   130 0 0
ISHARES S&P 600 INDEX MUTUAL FUNDS-ETF EQUITIES 464287804   29,239 250 SH   SOLE   250 0 0
ISHARES TR US TREAS BD ETF MUTUAL FUNDS-ETF FIXED INCOME 46429B267   14,515 619 SH   SOLE   619 0 0
J P MORGAN CHASE & CO COM COMMON STOCK 46625H100   3,177,218 15,068 SH   SOLE   13,909 1,159 0
J P MORGAN CHASE & CO COM COMMON STOCK 46625H100   358,882 1,702 SH   DFND   1,393 309 0
JOHNSON & JOHNSON COM COMMON STOCK 478160104   2,564,258 15,823 SH   SOLE   15,070 753 0
JOHNSON & JOHNSON COM COMMON STOCK 478160104   735,752 4,540 SH   DFND   3,650 890 0
KELLOGG CO COM COMMON STOCK 487836108   40,355 500 SH   SOLE   0 0 500
KELLOGG CO COM COMMON STOCK 487836108   121,065 1,500 SH   DFND   1,500 0 0
KIMBERLY CLARK CORP COM COMMON STOCK 494368103   246,000 1,729 SH   SOLE   1,729 0 0
KIMBERLY CLARK CORP COM COMMON STOCK 494368103   479,768 3,372 SH   DFND   3,372 0 0
KINDER MORGAN INC (DE) CLASS P COMMON STOCK 49456B101   22 1 SH   SOLE   1 0 0
KRAFT HEINZ CO COM COMMON STOCK 500754106   159,153 4,533 SH   SOLE   4,533 0 0
KRAFT HEINZ CO COM COMMON STOCK 500754106   40,866 1,164 SH   DFND   646 518 0
KYNDRYL HLDGS INC COMMON STOCK COMMON STOCK 50155Q100   528 23 SH   SOLE   23 0 0
KYNDRYL HLDGS INC COMMON STOCK COMMON STOCK 50155Q100   3,672 160 SH   DFND   0 160 0
LILLY ELI & CO COM COMMON STOCK 532457108   5,888,817 6,647 SH   SOLE   6,136 336 175
LILLY ELI & CO COM COMMON STOCK 532457108   6,264,480 7,071 SH   DFND   5,371 1,700 0
LITTLEFUSE INC COMMON STOCK 537008104   10,079 38 SH   SOLE   38 0 0
LOCKHEED MARTIN CORP COM COMMON STOCK 539830109   1,240,402 2,122 SH   SOLE   2,104 18 0
LOCKHEED MARTIN CORP COM COMMON STOCK 539830109   96,450 165 SH   DFND   165 0 0
LOWES COS INC COM COMMON STOCK 548661107   491,032 1,813 SH   SOLE   1,413 0 400
LOWES COS INC COM COMMON STOCK 548661107   243,756 900 SH   DFND   500 400 0
LUCID GROUP INC COM COMMON STOCK 549498103   1,408 400 SH   SOLE   400 0 0
LULULEMON ATHLETICA COMMON STOCK 550021109   54,268 200 SH   SOLE   200 0 0
MANNKIND CORPORATION COMMON STOCK 56400P706   1,459 232 SH   DFND   232 0 0
MARATHON OIL CO COMMON STOCK 565849106   82,814 3,111 SH   SOLE   3,111 0 0
MARATHON PETROLEUM CORP COMMON STOCK 56585A102   317,674 1,950 SH   SOLE   1,950 0 0
MASTERCARD INCORPORATED COMMON STOCK 57636Q104   2,470,906 5,004 SH   SOLE   4,527 477 0
MASTERCARD INCORPORATED COMMON STOCK 57636Q104   1,050,289 2,127 SH   DFND   1,389 738 0
MCDONALDS CORP COM COMMON STOCK 580135101   4,991,812 16,393 SH   SOLE   15,818 575 0
MCDONALDS CORP COM COMMON STOCK 580135101   428,139 1,406 SH   DFND   1,187 219 0
MCKESSON CORP COMMON STOCK 58155Q103   49,441 100 SH   SOLE   100 0 0
MERCK & CO INC NEW COMMON STOCK 58933Y105   1,879,414 16,550 SH   SOLE   16,200 0 350
MERCK & CO INC NEW COMMON STOCK 58933Y105   704,864 6,207 SH   DFND   5,577 630 0
MICROSOFT CORP COMMON STOCK 594918104   8,012,398 18,621 SH   SOLE   17,511 991 119
MICROSOFT CORP COMMON STOCK 594918104   2,362,719 5,491 SH   DFND   3,431 2,060 0
MICROCHIP TECHNOLOGY INC COM COMMON STOCK 595017104   2,248,586 28,006 SH   SOLE   24,661 2,645 700
MICROCHIP TECHNOLOGY INC COM COMMON STOCK 595017104   591,734 7,370 SH   DFND   5,436 1,934 0
MICROVAST HOLDINGS INC COM COMMON STOCK 59516C106   120 500 SH   SOLE   500 0 0
MONDELEZ INTL INC COMMON STOCK 609207105   608,654 8,262 SH   SOLE   7,838 0 424
MONDELEZ INTL INC COMMON STOCK 609207105   677,171 9,192 SH   DFND   7,870 1,322 0
MORGAN STANLEY DEAN WITTER DISCOVER & CO COMMON STOCK 617446448   1,107,639 10,626 SH   SOLE   10,078 548 0
MORGAN STANLEY DEAN WITTER DISCOVER & CO COMMON STOCK 617446448   21,785 209 SH   DFND   107 102 0
NBT BANCORP INC COM COMMON STOCK 628778102   840,180 19,000 SH   SOLE   19,000 0 0
NETFLIX INC COM COMMON STOCK 64110L106   8,511 12 SH   SOLE   12 0 0
NEW YORK TIMES CO CL A COMMON STOCK 650111107   33,402 600 SH   SOLE   600 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101   820,361 9,705 SH   SOLE   9,705 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101   1,446,899 17,117 SH   DFND   14,917 2,200 0
NIKE INC CL B COMMON STOCK 654106103   912,724 10,325 SH   SOLE   9,342 983 0
NIKE INC CL B COMMON STOCK 654106103   110,323 1,248 SH   DFND   1,248 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108   672,934 2,708 SH   SOLE   2,672 36 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108   80,762 325 SH   DFND   225 100 0
NORWOOD FINANCIAL CORPORATION COMMON STOCK 669549107   98,010 3,555 SH   SOLE   3,555 0 0
NOVARTIS AG COMMON STOCK 66987V109   122,380 1,064 SH   SOLE   864 0 200
NOVARTIS AG COMMON STOCK 66987V109   148,719 1,293 SH   DFND   1,033 260 0
NOVO-NORDISK A S ADR COMMON STOCK 670100205   775,602 6,514 SH   SOLE   6,137 377 0
NOVO-NORDISK A S ADR COMMON STOCK 670100205   143,835 1,208 SH   DFND   908 300 0
NUCOR CORP COMMON STOCK 670346105   48,860 325 SH   SOLE   325 0 0
NVIDIA CORP COM COMMON STOCK 67066G104   97,152 800 SH   SOLE   800 0 0
NUVEEN REAL ESTATE INCOME FD MUTUAL FUNDS-ETF FIXED INCOME 67071B108   1,859 200 SH   SOLE   200 0 0
OREILLY AUTOMOTIVE INC COM COMMON STOCK 67103H107   115,160 100 SH   DFND   100 0 0
OCCIDENTAL PETE CORP DEL COM COMMON STOCK 674599105   92,717 1,799 SH   SOLE   1,799 0 0
OCCIDENTAL PETE CORP DEL COM COMMON STOCK 674599105   20,616 400 SH   DFND   0 400 0
OPAL FUELS INC CLASS A COM COMMON STOCK 68347P103   1,825 500 SH   SOLE   500 0 0
ORACLE CORP COM COMMON STOCK 68389X105   2,093,189 12,284 SH   SOLE   10,551 1,733 0
ORACLE CORP COM COMMON STOCK 68389X105   72,930 428 SH   DFND   228 200 0
OTIS WORLDWIDE CORP COM COMMON STOCK 68902V107   5,197 50 SH   SOLE   50 0 0
PNC FINL SVCS GROUP INC COM COMMON STOCK 693475105   921,844 4,987 SH   SOLE   4,687 0 300
PNC FINL SVCS GROUP INC COM COMMON STOCK 693475105   563,791 3,050 SH   DFND   0 3,050 0
PPG INDS INC COM COMMON STOCK 693506107   49,672 375 SH   SOLE   375 0 0
PPG INDS INC COM COMMON STOCK 693506107   52,984 400 SH   DFND   0 400 0
PPL CORP, COM COMMON STOCK 69351T106   732,628 22,154 SH   SOLE   21,454 0 700
PPL CORP, COM COMMON STOCK 69351T106   6,614 200 SH   DFND   0 200 0
PAYCHEX INC COM COMMON STOCK 704326107   44,415 331 SH   SOLE   331 0 0
PAYPAL HLDGS INC COM COMMON STOCK 70450Y103   271,374 3,478 SH   SOLE   3,478 0 0
PAYPAL HLDGS INC COM COMMON STOCK 70450Y103   62,424 800 SH   DFND   800 0 0
PEOPLES FINL SVCS CORP COMMON STOCK 711040105   9,538,335 203,463 SH   SOLE   89,395 0 114,068
PEOPLES FINL SVCS CORP COMMON STOCK 711040105   961,695 20,514 SH   DFND   0 20,514 0
PEPSICO INC COM COMMON STOCK 713448108   1,482,483 8,718 SH   SOLE   8,046 672 0
PEPSICO INC COM COMMON STOCK 713448108   446,208 2,624 SH   DFND   690 1,934 0
PFIZER INC COM COMMON STOCK 717081103   854,988 29,554 SH   SOLE   29,354 0 200
PFIZER INC COM COMMON STOCK 717081103   478,210 16,530 SH   DFND   11,770 4,260 500
PHILIP MORRIS INTL INC COMMON STOCK 718172109   215,970 1,779 SH   SOLE   1,779 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109   344,776 2,840 SH   DFND   1,240 1,600 0
PHILLIPS 66 COMMON STOCK 718546104   404,208 3,075 SH   SOLE   3,075 0 0
PHILLIPS 66 COMMON STOCK 718546104   131,450 1,000 SH   DFND   1,000 0 0
PROCTER & GAMBLE CO COM COMMON STOCK 742718109   3,346,561 19,322 SH   SOLE   18,235 798 289
PROCTER & GAMBLE CO COM COMMON STOCK 742718109   2,050,512 11,839 SH   DFND   5,782 5,757 300
PROSPECT CAP CORP COM COMMON STOCK 74348T102   1,096 205 SH   SOLE   205 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102   37,782 312 SH   SOLE   312 0 0
PUBLIC SVC ENTERPRISE GROUP COM COMMON STOCK 744573106   23,550 264 SH   SOLE   264 0 0
PUBLIC SVC ENTERPRISE GROUP COM COMMON STOCK 744573106   35,684 400 SH   DFND   400 0 0
QUALCOMM INC COM COMMON STOCK 747525103   1,853,185 10,898 SH   SOLE   10,898 0 0
QUALCOMM INC COM COMMON STOCK 747525103   217,833 1,281 SH   DFND   1,281 0 0
RAYTHEON TECHNOLOGIES CORP COM COMMON STOCK 75513E101   155,569 1,284 SH   SOLE   1,284 0 0
RAYTHEON TECHNOLOGIES CORP COM COMMON STOCK 75513E101   666,380 5,500 SH   DFND   5,500 0 0
REGIONS FINANCIAL CORP NEW COMMON STOCK 7591EP100   13,292 570 SH   SOLE   570 0 0
RESIDEO TECHNOLOGIES INC COM COMMON STOCK 76118Y104   322 16 SH   DFND   0 16 0
SHELL PLC SPON ADS COMMON STOCK 780259305   207,742 3,150 SH   DFND   400 2,750 0
GOLD TRUST MUTUAL FUNDS-ETF EQUITIES 78463V107   121,530 500 SH   SOLE   500 0 0
SPDR INDEX SHS FDS S&P INTL ETF MUTUAL FUNDS-ETF EQUITIES 78463X772   30,711 800 SH   SOLE   800 0 0
SANOFI AVENTIS SPONSORED ADR FOREIGN EQUITIES 80105N105   11,526 200 SH   SOLE   200 0 0
SCHLUMBERGER LTD COM COMMON STOCK 806857108   130,627 3,114 SH   SOLE   2,714 0 400
SCHLUMBERGER LTD COM COMMON STOCK 806857108   16,443 392 SH   DFND   150 242 0
SCHWAB STRATEGIC TR US BRD MKT ETF MUTUAL FUNDS-ETF EQUITIES 808524102   133,040 2,000 SH   SOLE   2,000 0 0
SPDR MATERIALS COMMON STOCK 81369Y100   835,124 8,665 SH   SOLE   8,478 187 0
SPDR HEALTH CARE COMMON STOCK 81369Y209   326,520 2,120 SH   SOLE   2,007 113 0
SPDR HEALTH CARE COMMON STOCK 81369Y209   14,323 93 SH   DFND   93 0 0
SPDR STAPLES COMMON STOCK 81369Y308   9,877 119 SH   SOLE   119 0 0
SPDR DISCRETIONARY COMMON STOCK 81369Y407   266,690 1,331 SH   SOLE   1,331 0 0
SPDR DISCRETIONARY COMMON STOCK 81369Y407   15,027 75 SH   DFND   75 0 0
SPDR ENERGY COMMON STOCK 81369Y506   853,324 9,719 SH   SOLE   7,004 2,715 0
SPDR ENERGY COMMON STOCK 81369Y506   48,290 550 SH   DFND   425 125 0
SPDR FINANCIALS COMMON STOCK 81369Y605   239,009 5,275 SH   SOLE   5,275 0 0
SPDR FINANCIALS COMMON STOCK 81369Y605   22,655 500 SH   DFND   500 0 0
SPDR INDUSTRIALS COMMON STOCK 81369Y704   47,267 349 SH   SOLE   349 0 0
SPDR TECHNOLOGY COMMON STOCK 81369Y803   865,787 3,835 SH   SOLE   3,835 0 0
SPDR COMMUNICATION COMMON STOCK 81369Y852   1,295,513 14,331 SH   SOLE   12,958 1,373 0
SPDR COMMUNICATION COMMON STOCK 81369Y852   13,560 150 SH   DFND   150 0 0
SPDR REAL ESTATE COMMON STOCK 81369Y860   112,096 2,510 SH   SOLE   2,510 0 0
SPDR UTILITIES COMMON STOCK 81369Y886   1,631,101 20,192 SH   SOLE   17,776 2,416 0
SNDL INC COM COMMON STOCK 83307B101   205 100 SH   SOLE   100 0 0
SOLVENTUM CORP COM SHS COMMON STOCK 83444M101   20,424 293 SH   SOLE   268 0 25
SOLVENTUM CORP COM SHS COMMON STOCK 83444M101   3,903 56 SH   DFND   0 56 0
SOUTHERN CO COM COMMON STOCK 842587107   955,450 10,595 SH   SOLE   10,057 188 350
SOUTHERN CO COM COMMON STOCK 842587107   810,988 8,993 SH   DFND   8,793 200 0
SOUTHWESTERN ENERGY COMMON STOCK 845467109   7,110 1,000 SH   SOLE   1,000 0 0
SPROTT PHYSICAL SILVER TR TR UNIT COMMON STOCK 85207K107   52,250 5,000 SH   DFND   5,000 0 0
STARBUCKS CORP COM COMMON STOCK 855244109   87,056 893 SH   SOLE   705 188 0
STARBUCKS CORP COM COMMON STOCK 855244109   243,725 2,500 SH   DFND   2,500 0 0
STATE STR CORP COM COMMON STOCK 857477103   131,812 1,490 SH   SOLE   1,490 0 0
STATE STR CORP COM COMMON STOCK 857477103   17,340 196 SH   DFND   196 0 0
SUNCOR ENERGY INC NEW COM FOREIGN EQUITIES 867224107   33,697 913 SH   SOLE   913 0 0
SYNCHRONY FINANCIAL COM COMMON STOCK 87165B103   12,470 250 SH   SOLE   250 0 0
SYSCO CORP COM COMMON STOCK 871829107   101,711 1,303 SH   SOLE   1,021 282 0
SYSCO CORP COM COMMON STOCK 871829107   59,637 764 SH   DFND   0 764 0
TJX COMPANIES COMMON STOCK 872540109   23,508 200 SH   SOLE   0 0 200
TAIWAN SEMICONDUCTOR ADR FOREIGN EQUITIES 874039100   6,773 39 SH   SOLE   39 0 0
TARGET CORP COMMON STOCK 87612E106   744,841 4,779 SH   SOLE   4,328 451 0
TELEDYNE TECHNOLOGIES INC COMMON STOCK 879360105   16,193 37 SH   SOLE   37 0 0
TESLA MOTORS, INC COMMON STOCK 88160R101   11,773 45 SH   SOLE   45 0 0
THERMO FISCHER SCIENTIFIC COMMON STOCK 883556102   694,646 1,123 SH   SOLE   1,018 105 0
3M CO COMMON STOCK 88579Y101   402,714 2,946 SH   SOLE   2,846 0 100
3M CO COMMON STOCK 88579Y101   31,167 228 SH   DFND   0 228 0
TRACTOR SUPPLY CO COM COMMON STOCK 892356106   20,655 71 SH   SOLE   71 0 0
TRAVELERS COMPANIES INC COM COMMON STOCK 89417E109   72,342 309 SH   SOLE   309 0 0
TRUIST FINL CORP COM COMMON STOCK 89832Q109   24,292 568 SH   SOLE   568 0 0
US BANCORP DEL COMMON STOCK 902973304   272,715 5,965 SH   SOLE   5,683 282 0
US BANCORP DEL COMMON STOCK 902973304   36,576 800 SH   DFND   800 0 0
UNION PAC CORP COM COMMON STOCK 907818108   154,789 628 SH   SOLE   628 0 0
UNION PAC CORP COM COMMON STOCK 907818108   629,509 2,554 SH   DFND   0 2,554 0
UNITED PARCEL SERVICE INC CL B COMMON STOCK 911312106   500,495 3,671 SH   SOLE   3,120 359 192
UNITED PARCEL SERVICE INC CL B COMMON STOCK 911312106   88,348 648 SH   DFND   648 0 0
UNITED STATES STL CORP NEW COM COMMON STOCK 912909108   2,189 62 SH   SOLE   62 0 0
VANECK VECTORS ETF TR GOLD MINERS ETF COMMON STOCK 92189F106   79,620 2,000 SH   DFND   2,000 0 0
VANGUARD TOTAL INTL STOCK VG TL INTL STK F MUTUAL FUNDS-ETF EQUITIES 921909768   1,469,846 22,704 SH   SOLE   20,476 2,228 0
VANGUARD TOTAL INTL STOCK VG TL INTL STK F MUTUAL FUNDS-ETF EQUITIES 921909768   35,022 541 SH   DFND   541 0 0
VANGUARD B SHORT TERM BOND MUTUAL FUNDS-ETF FIXED INCOME 921937827   49,181 625 SH   DFND   0 625 0
VANGUARD BD INDEX FD INC TOTAL BD MARKET MUTUAL FUNDS-ETF FIXED INCOME 921937835   46,493 619 SH   DFND   0 619 0
VANGUARD FTSE DEVELOPED MARKET ETF MUTUAL FUNDS-ETF EQUITIES 921943858   12,357 234 SH   SOLE   234 0 0
VANGUARD INFORMATION TECH ETF MUTUAL FUNDS-ETF EQUITIES 92204A702   116,130 198 SH   SOLE   198 0 0
VANGUARD INTL EQUITY INDEX FALLWRLD EX US MUTUAL FUNDS-ETF EQUITIES 922042775   7,560 120 SH   SOLE   120 0 0
VANGUARD EMERGING MARKETS ETF MUTUAL FUNDS-ETF EQUITIES 922042858   89,316 1,867 SH   SOLE   1,561 306 0
VANGUARD EMERGING MARKETS ETF MUTUAL FUNDS-ETF EQUITIES 922042858   14,208 297 SH   DFND   297 0 0
VANGUARD 500 INDEX FUND MUTUAL FUNDS-ETF EQUITIES 922908363   894,380 1,695 SH   SOLE   1,695 0 0
VANGUARD 500 INDEX FUND MUTUAL FUNDS-ETF EQUITIES 922908363   74,399 141 SH   DFND   141 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP ETF EQUITIES 922908512   11,569 69 SH   SOLE   69 0 0
VANGUARD REAL ESTATE COMMON STOCK 922908553   1,222,415 12,548 SH   SOLE   11,209 1,072 267
VANGUARD REAL ESTATE COMMON STOCK 922908553   136,874 1,405 SH   DFND   1,150 255 0
VANGUARD MID CAP ETF MUTUAL FUNDS-ETF EQUITIES 922908629   920,721 3,490 SH   SOLE   3,360 130 0
VANGUARD MID CAP ETF MUTUAL FUNDS-ETF EQUITIES 922908629   132,172 501 SH   DFND   54 447 0
VANGUARD INDEX FDS EXTEND MKT ETF MUTUAL FUNDS-ETF EQUITIES 922908652   1,411,865 7,758 SH   SOLE   7,758 0 0
VANGUARD INDEX FDS EXTEND MKT ETF MUTUAL FUNDS-ETF EQUITIES 922908652   14,557 80 SH   DFND   80 0 0
VANGUARD GROWTH ETF MUTUAL FUNDS-ETF EQUITIES 922908736   545,548 1,421 SH   SOLE   1,421 0 0
VANGUARD VALUE ETF MUTUAL FUNDS-ETF EQUITIES 922908744   551,465 3,159 SH   SOLE   3,159 0 0
VANGUARD SMALL CAP ETF ETF EQUITIES 922908751   2,333,419 9,837 SH   SOLE   9,703 134 0
VANGUARD SMALL CAP ETF ETF EQUITIES 922908751   127,853 539 SH   DFND   253 286 0
VERALTO CORP COM SHS COMMON STOCK 92338C103   2,908 26 SH   DFND   26 0 0
VERIZON COMMUNICATIONS COM COMMON STOCK 92343V104   1,551,720 34,560 SH   SOLE   31,797 1,663 1,100
VERIZON COMMUNICATIONS COM COMMON STOCK 92343V104   379,178 8,445 SH   DFND   3,046 3,399 2,000
VIATRIS INC COM COMMON STOCK 92556V106   3,433 296 SH   SOLE   296 0 0
VIATRIS INC COM COMMON STOCK 92556V106   11,695 1,008 SH   DFND   421 525 62
VISA CLASS A COMMON STOCK 92826C839   497,911 1,811 SH   SOLE   1,811 0 0
VISA CLASS A COMMON STOCK 92826C839   190,533 693 SH   DFND   593 100 0
VIRTUS CONVERTIBLE & INCOME COM MUTUAL FUNDS-ETF EQUITIES 92838X102   9,901 2,829 SH   SOLE   2,829 0 0
VODAFONE GROUP PLC FOREIGN EQUITIES 92857W308   234,151 23,369 SH   SOLE   23,369 0 0
VODAFONE GROUP PLC FOREIGN EQUITIES 92857W308   139,778 13,950 SH   DFND   13,950 0 0
WEC ENERGY GROUP INC COM COMMON STOCK 92939U106   31,354 326 SH   SOLE   326 0 0
WK KELLOGG CO COM SHS COMMON STOCK 92942W107   6,416 375 SH   DFND   375 0 0
WABTEC CORP COM COMMON STOCK 929740108   363 2 SH   SOLE   2 0 0
WABTEC CORP COM COMMON STOCK 929740108   6,176 34 SH   DFND   11 23 0
WAL MART STORES INC COM COMMON STOCK 931142103   1,135,178 14,058 SH   SOLE   14,058 0 0
WAL MART STORES INC COM COMMON STOCK 931142103   193,800 2,400 SH   DFND   2,400 0 0
WALGREENS BOOTS ALLIANCE COMMON STOCK 931427108   4,480 500 SH   SOLE   500 0 0
WALGREENS BOOTS ALLIANCE COMMON STOCK 931427108   896 100 SH   DFND   0 100 0
WARNER BROS DISCOVERY INC COM SER A COMMON STOCK 934423104   7,012 850 SH   SOLE   850 0 0
WARNER BROS DISCOVERY INC COM SER A COMMON STOCK 934423104   3,291 399 SH   DFND   72 327 0
WASTE MANAGEMENT INC NEW COMMON STOCK 94106L109   639,815 3,082 SH   SOLE   3,033 49 0
WELLS FARGO & CO NEW COM COMMON STOCK 949746101   630,250 11,157 SH   SOLE   11,157 0 0
WELLS FARGO & CO NEW COM COMMON STOCK 949746101   68,748 1,217 SH   DFND   1,217 0 0
WEYERHAEUSER CO COM COMMON STOCK 962166104   31,963 944 SH   SOLE   944 0 0
WEYERHAEUSER CO COM COMMON STOCK 962166104   45,169 1,334 SH   DFND   0 1,334 0
XCEL ENERGY INC COMMON STOCK 98389B100   221,986 3,400 SH   SOLE   3,400 0 0
XYLEM INC COMMON STOCK 98419M100   486,373 3,602 SH   SOLE   2,830 772 0
XYLEM INC COMMON STOCK 98419M100   134,084 993 SH   DFND   893 100 0
ZOETIS INC CL A COMMON STOCK 98978V103   233,084 1,193 SH   SOLE   1,161 32 0