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
3M Co COM 88579Y101 550 3,694 SH   DFND   1,005 0 2,689
3M Co COM 88579Y101 746 5,013 SH   SOLE   5,013 0 0
ACCENTURE SHS CLASS A G1151C101 143 425 SH   DFND   349 0 76
ACCENTURE SHS CLASS A G1151C101 5,572 16,522 SH   SOLE   15,816 0 706
AECOM COM 00766T100 35 450 SH   DFND   450 0 0
AGILENT TECHS INC COM 00846U101 123 930 SH   DFND   625 0 305
AGILENT TECHS INC COM 00846U101 5 38 SH   SOLE   38 0 0
AGNC INVESTMENT CORP COM 00123Q104 95 7,250 SH   DFND   0 0 7,250
ALBEMARLE CORP COM 012653101 22 100 SH   DFND   0 0 100
ALCON AG ORD SHS H01301128 20 247 SH   SOLE   247 0 0
ALPHABET INC CAP STK CL A 02079K305 375 135 SH   DFND   97 0 38
ALPHABET INC CAP STK CL A 02079K305 9,323 3,352 SH   SOLE   3,272 0 80
AMER EXPRESS CO COM 025816109 430 2,300 SH   DFND   0 0 2,300
AMER EXPRESS CO COM 025816109 276 1,476 SH   SOLE   451 0 1,025
AMER INTL GRP COM NEW 026874784 12 195 SH   DFND   0 0 195
AMER INTL GRP COM NEW 026874784 143 2,274 SH   SOLE   2,274 0 0
ANALOG DEVICES INC COM 032654105 3 18 SH   DFND   18 0 0
ANSYS, INC. COM 03662Q105 1 3 SH   DFND   0 0 3
APA Corp COM 03743Q108 87 2,102 SH   DFND   0 0 2,102
APPIAN CORP CL A 03782L101 24 400 SH   DFND   0 0 400
ARK Investment Management LLC AUTNMUS TECHNLGY 00214Q203 14 205 SH   DFND   0 0 205
ASML HOLDING NV N Y REGISTRY SHS N07059210 3 4 SH   SOLE   4 0 0
AT&T INC COM 00206R102 1,610 68,137 SH   DFND   22,578 0 45,559
AT&T INC COM 00206R102 291 12,311 SH   SOLE   12,311 0 0
AUTOMATIC DATA PROCESSING COM 053015103 1,622 7,128 SH   DFND   746 0 6,382
AUTOMATIC DATA PROCESSING COM 053015103 954 4,192 SH   SOLE   2,962 0 1,230
AbbVie Inc COM 00287Y109 4,429 27,318 SH   DFND   448 0 26,870
AbbVie Inc COM 00287Y109 1,337 8,247 SH   SOLE   7,747 0 500
Abbott Laboratories COM 002824100 2,943 24,868 SH   DFND   1,550 0 23,318
Abbott Laboratories COM 002824100 7,443 62,885 SH   SOLE   61,379 0 1,506
Aberdeen Funds COM SH BEN INT 00302L108 9 1,350 SH   DFND   0 0 1,350
Acadia Realty Trust COM SH BEN INT 004239109 20 939 SH   SOLE   939 0 0
Activision Blizzard Inc COM 00507V109 5 61 SH   SOLE   61 0 0
Adobe Inc COM 00724F101 343 753 SH   DFND   723 0 30
Adobe Inc COM 00724F101 4,776 10,483 SH   SOLE   10,001 0 482
Aflac Inc COM 001055102 88 1,374 SH   SOLE   1,374 0 0
Air Products and Chemicals Inc COM 009158106 391 1,566 SH   DFND   0 0 1,566
Alcoa Corp COM 013872106 180 2,000 SH   DFND   0 0 2,000
Alexandria Real Estate Equitie COM 015271109 123 609 SH   DFND   0 0 609
Algonquin Power & Utilities Co COM 015857105 16 1,000 SH   DFND   1,000 0 0
Allstate Corp/The COM 020002101 8 57 SH   DFND   13 0 44
Alphabet Inc CAP STK CL C 02079K107 61 22 SH   DFND   13 0 9
Alphabet Inc CAP STK CL C 02079K107 1,882 674 SH   SOLE   674 0 0
Alps Closed End Funds/USA SH BEN INT 530158104 9 1,070 SH   DFND   0 0 1,070
Altria Group Inc COM 02209S103 256 4,894 SH   DFND   57 0 4,837
Altria Group Inc COM 02209S103 120 2,300 SH   SOLE   2,300 0 0
Amazon.com Inc COM 023135106 766 235 SH   DFND   118 0 117
Amazon.com Inc COM 023135106 8,228 2,524 SH   SOLE   2,366 0 158
American Airlines Group Inc COM 02376R102 14 785 SH   DFND   0 0 785
American Electric Power Co Inc COM 025537101 111 1,111 SH   DFND   25 0 1,086
American Electric Power Co Inc COM 025537101 9 95 SH   SOLE   95 0 0
American Tower Corp COM 03027X100 3 13 SH   DFND   13 0 0
American Tower Corp COM 03027X100 5 21 SH   SOLE   21 0 0
American Water Works Co Inc COM 030420103 71 428 SH   DFND   401 0 27
American Water Works Co Inc COM 030420103 5,661 34,201 SH   SOLE   33,285 0 916
Ameriprise Financial Inc COM 03076C106 48 159 SH   DFND   0 0 159
Amgen Inc COM 031162100 826 3,416 SH   DFND   2,263 0 1,153
Amgen Inc COM 031162100 6,015 24,872 SH   SOLE   23,443 0 1,429
Annaly Capital Management Inc COM 035710409 127 18,000 SH   DFND   0 0 18,000
Anthem Inc COM 036752103 4 9 SH   DFND   9 0 0
Anthem Inc COM 036752103 25 50 SH   SOLE   50 0 0
Aon PLC SHS CL A G0403H108 2 5 SH   SOLE   5 0 0
Apple Inc COM 037833100 3,958 22,669 SH   DFND   6,405 0 16,264
Apple Inc COM 037833100 39,142 224,171 SH   SOLE   214,037 0 10,134
Archer-Daniels-Midland Co COM 039483102 202 2,241 SH   DFND   0 0 2,241
Arconic Corp COM 03966V107 39 1,525 SH   DFND   0 0 1,525
Ares Commercial Real Estate Co COM 04013V108 16 1,010 SH   DFND   0 0 1,010
Argan Inc COM 04010E109 8 200 SH   DFND   0 0 200
Arthur J Gallagher & Co COM 363576109 267 1,527 SH   DFND   1,094 0 433
Arthur J Gallagher & Co COM 363576109 9,129 52,288 SH   SOLE   51,715 0 573
Ashland Global Holdings Inc COM 044186104 339 3,442 SH   DFND   0 0 3,442
AstraZeneca PLC SPONSORED ADR 046353108 21 324 SH   SOLE   324 0 0
Atlassian Corp PLC CL A G06242104 1 4 SH   SOLE   4 0 0
AutoZone Inc COM 053332102 249 122 SH   DFND   29 0 93
AutoZone Inc COM 053332102 131 64 SH   SOLE   64 0 0
Autoliv Inc COM 052800109 0 6 SH   DFND   0 0 6
AvalonBay Communities Inc COM 053484101 2 10 SH   DFND   10 0 0
Azenta Inc COM 114340102 50 600 SH   DFND   600 0 0
B&G Foods Inc COM 05508R106 27 1,000 SH   DFND   0 0 1,000
BARRICK GOLD CORP COM 067901108 27 1,097 SH   DFND   1,097 0 0
BAXTER INTL INC COM 071813109 88 1,130 SH   DFND   100 0 1,030
BAXTER INTL INC COM 071813109 173 2,226 SH   SOLE   1,026 0 1,200
BCE Inc COM NEW 05534B760 33 600 SH   DFND   600 0 0
BEST BUY CO INC COM 086516101 139 1,524 SH   DFND   0 0 1,524
BK OF AMERICA CORP COM 060505104 287 6,974 SH   DFND   262 0 6,712
BK OF AMERICA CORP COM 060505104 41 1,000 SH   SOLE   1,000 0 0
BK OF MONTREAL COM 063671101 118 1,000 SH   DFND   0 0 1,000
BK OF NOVA SCOTIA COM 064149107 237 3,300 SH   DFND   0 0 3,300
BK OF NY MELLON CP COM 064058100 43 857 SH   DFND   0 0 857
BK OF NY MELLON CP COM 064058100 19 377 SH   SOLE   0 0 377
BOEING CO COM 097023105 133 697 SH   DFND   0 0 697
BOEING CO COM 097023105 22 114 SH   SOLE   114 0 0
BP Midstream Partners Holdings UNIT LTD PTNR 0556EL109 19 1,100 SH   DFND   0 0 1,100
BP PLC SPONSORED ADR 055622104 8 288 SH   DFND   0 0 288
BP PLC SPONSORED ADR 055622104 44 1,500 SH   SOLE   1,500 0 0
BRIGHTHOUSE FINANCIAL INC. COM 10922N103 103 2,000 SH   DFND   0 0 2,000
BRIGHTHOUSE FINANCIAL INC. COM 10922N103 1 15 SH   SOLE   15 0 0
BRISTOL-MYRS SQUIB COM 110122108 348 4,761 SH   DFND   739 0 4,022
BRISTOL-MYRS SQUIB COM 110122108 767 10,501 SH   SOLE   10,051 0 450
BRITISH AMERICAN TOBACCO PLC SPONSORED ADR 110448107 4 100 SH   DFND   0 0 100
BRITISH AMERICAN TOBACCO PLC SPONSORED ADR 110448107 15 367 SH   SOLE   367 0 0
BROOKFIELD ASSET M CL A LTD VT SH 112585104 1 18 SH   DFND   0 0 18
Bar Harbor Bankshares COM 066849100 47 1,650 SH   DFND   0 0 1,650
Bath & Body Works Inc COM 070830104 14 300 SH   DFND   0 0 300
Berkshire Hathaway Inc CL B NEW 084670702 114 324 SH   DFND   256 0 68
Berkshire Hathaway Inc CL B NEW 084670702 6,847 19,401 SH   SOLE   17,739 0 1,662
Beyond Meat Inc COM 08862E109 4 85 SH   DFND   0 0 85
Black Hills Corp COM 092113109 116 1,500 SH   DFND   1,500 0 0
BlackBerry Ltd COM 09228F103 4 500 SH   DFND   0 0 500
BlackRock Advisors LLC RUS MD CP GR ETF 464287481 60 600 SH   DFND   600 0 0
BlackRock Advisors LLC RUS MID CAP ETF 464287499 859 11,010 SH   SOLE   11,010 0 0
BlackRock Advisors LLC S&P MC 400GR ETF 464287606 160 2,065 SH   DFND   0 0 2,065
BlackRock Advisors LLC S&P MC 400GR ETF 464287606 67 864 SH   SOLE   864 0 0
BlackRock Advisors LLC RUS 1000 ETF 464287622 38 150 SH   DFND   150 0 0
BlackRock Advisors LLC RUSSELL 3000 ETF 464287689 39 150 SH   DFND   150 0 0
BlackRock Advisors LLC RUSSELL 3000 ETF 464287689 146 556 SH   SOLE   556 0 0
BlackRock Advisors LLC S&P MC 400VL ETF 464287705 10 88 SH   SOLE   88 0 0
BlackRock Advisors LLC CORE S&P SCP ETF 464287804 293 2,720 SH   DFND   1,800 0 920
BlackRock Advisors LLC CORE S&P SCP ETF 464287804 1,504 13,938 SH   SOLE   13,338 0 600
BlackRock Advisors LLC INDIA 50 ETF 464289529 28 600 SH   DFND   600 0 0
BlackRock Advisors LLC CORE MSCI EMKT 46434G103 416 7,489 SH   DFND   2,114 0 5,375
BlackRock Advisors LLC CORE MSCI EMKT 46434G103 2,289 41,203 SH   SOLE   40,057 0 1,146
BlackRock Advisors LLC MSCI SINGPOR ETF 46434G780 31 1,500 SH   DFND   1,500 0 0
BlackRock Advisors LLC MSCI JPN ETF NEW 46434G822 31 500 SH   DFND   500 0 0
BlackRock Fund Advisors MSCI EMERG MRKT 464286533 18 300 SH   DFND   300 0 0
BlackRock Fund Advisors MSCI JAPN SMCETF 464286582 35 500 SH   DFND   500 0 0
BlackRock Fund Advisors NORTH AMERN NAT 464287374 194 4,800 SH   DFND   4,800 0 0
BlackRock Fund Advisors 20 YR TR BD ETF 464287432 4 33 SH   DFND   0 0 33
BlackRock Fund Advisors MSCI EAFE ETF 464287465 377 5,125 SH   DFND   4,525 0 600
BlackRock Fund Advisors MSCI EAFE ETF 464287465 411 5,580 SH   SOLE   5,580 0 0
BlackRock Fund Advisors NA TEC MULTM ETF 464287531 22 300 SH   DFND   300 0 0
BlackRock Fund Advisors EAFE SML CP ETF 464288273 110 1,663 SH   DFND   1,650 0 13
BlackRock Fund Advisors EAFE SML CP ETF 464288273 17 261 SH   SOLE   261 0 0
BlackRock Fund Advisors GLB INFRASTR ETF 464288372 33 647 SH   SOLE   647 0 0
BlackRock Fund Advisors MBS ETF 464288588 40 390 SH   SOLE   390 0 0
BlackRock Fund Advisors PFD AND INCM SEC 464288687 74 2,035 SH   DFND   2,035 0 0
BlackRock Fund Advisors GLOB UTILITS ETF 464288711 20 300 SH   DFND   300 0 0
BlackRock Fund Advisors MSCI USA MIN VOL 46429B697 30 392 SH   DFND   392 0 0
BlackRock Fund Advisors MSCI USA MIN VOL 46429B697 6,480 83,536 SH   SOLE   82,167 0 1,369
BlackRock Fund Advisors 0-5 YR TIPS ETF 46429B747 14 137 SH   SOLE   137 0 0
BlackRock Fund Advisors MSCI USA VALUE 46432F388 13 128 SH   DFND   128 0 0
BlackRock Fund Advisors ESG AWR MSCI EM 46434G863 27 745 SH   DFND   745 0 0
BlackRock Fund Advisors ESG AWR MSCI EM 46434G863 2,955 80,439 SH   SOLE   80,249 0 190
BlackRock Fund Advisors ROBOTICS ARTIF 46435U556 1 25 SH   DFND   0 0 25
BlackRock Funds/Closed-End/USA COM 09255C106 303 23,627 SH   DFND   0 0 23,627
BlackRock Inc COM 09247X101 158 207 SH   DFND   192 0 15
BlackRock Inc COM 09247X101 6,842 8,954 SH   SOLE   8,858 0 96
Blackstone Inc COM 09260D107 286 2,250 SH   SOLE   2,250 0 0
Block Inc CL A 852234103 3 25 SH   DFND   0 0 25
Booking Holdings Inc COM 09857L108 2 1 SH   DFND   1 0 0
Booking Holdings Inc COM 09857L108 171 73 SH   SOLE   43 0 30
BrightSpire Capital Inc COM CL A 10949T109 146 15,800 SH   DFND   0 0 15,800
Broadcom Inc COM 11135F101 97 154 SH   DFND   154 0 0
Broadcom Inc COM 11135F101 274 435 SH   SOLE   435 0 0
Brookfield Renewable Partners CL A SUB VTG 11284V105 19 435 SH   DFND   0 0 435
Brookfield Renewable Partners PARTNERSHIP UNIT G16258108 25 600 SH   DFND   0 0 600
CAN PACIFIC RYS COM 13645T100 3 35 SH   SOLE   35 0 0
CARRIER GLOBAL CORP COM 14448C104 38 835 SH   DFND   0 0 835
CARRIER GLOBAL CORP COM 14448C104 6 132 SH   SOLE   132 0 0
CDK Global Inc COM 12508E101 33 672 SH   SOLE   672 0 0
CDN NATL RAILWAYS COM 136375102 6 45 SH   SOLE   45 0 0
CDW Corp/DE COM 12514G108 5 30 SH   SOLE   30 0 0
CEMEX SAB DE CV SPON ADR NEW 151290889 5 1,000 SH   DFND   0 0 1,000
CHARLES SCHWAB INVESTMENT MANAGEMENT INC EMRG MKTEQ ETF 808524706 68 2,439 SH   SOLE   2,439 0 0
CHARLES SCHWAB INVESTMENT MANAGEMENT INC US DIVIDEND EQ 808524797 83 1,050 SH   DFND   1,050 0 0
CHARLES SCHWAB INVESTMENT MANAGEMENT INC US TIPS ETF 808524870 18 300 SH   DFND   0 0 300
CHUBB LIMITED COM COM H1467J104 9 44 SH   DFND   0 0 44
CHUBB LIMITED COM COM H1467J104 40 189 SH   SOLE   189 0 0
CIBC COM 136069101 122 1,000 SH   DFND   0 0 1,000
CISCO SYSTEMS COM 17275R102 992 17,788 SH   DFND   3,879 0 13,909
CISCO SYSTEMS COM 17275R102 9,110 163,377 SH   SOLE   152,997 0 10,380
CME Group Inc COM 12572Q105 130 546 SH   SOLE   546 0 0
COGNIZANT TECHNOLO CL A 192446102 12 130 SH   DFND   0 0 130
COGNIZANT TECHNOLO CL A 192446102 311 3,467 SH   SOLE   1,417 0 2,050
COLGATE-PALMOLIVE COM 194162103 341 4,500 SH   SOLE   4,500 0 0
CONAGRA FOODS INC COM 205887102 81 2,400 SH   DFND   0 0 2,400
CONAGRA FOODS INC COM 205887102 12 343 SH   SOLE   343 0 0
CONOCOPHILLIPS COM 20825C104 423 4,229 SH   DFND   0 0 4,229
CONOCOPHILLIPS COM 20825C104 195 1,950 SH   SOLE   1,950 0 0
CORNING INC COM 219350105 702 19,029 SH   DFND   3,041 0 15,988
CORNING INC COM 219350105 276 7,471 SH   SOLE   7,471 0 0
CVS Health Corp COM 126650100 682 6,742 SH   DFND   37 0 6,705
CVS Health Corp COM 126650100 211 2,080 SH   SOLE   2,080 0 0
Cantaloupe Inc COM 138103106 6 905 SH   DFND   0 0 905
Capital One Financial Corp COM 14040H105 122 926 SH   DFND   0 0 926
Capital Southwest Corp COM 140501107 8 355 SH   DFND   0 0 355
Cardinal Health Inc COM 14149Y108 101 1,790 SH   SOLE   0 0 1,790
Casella Waste Systems Inc CL A 147448104 2,779 31,704 SH   SOLE   31,704 0 0
Caterpillar Inc COM 149123101 777 3,489 SH   DFND   389 0 3,100
Caterpillar Inc COM 149123101 111 500 SH   SOLE   500 0 0
Cenovus Energy Inc COM 15135U109 25 1,472 SH   DFND   0 0 1,472
ChargePoint Holdings Inc COM CL A 15961R105 2 100 SH   DFND   0 0 100
Charles Schwab Corp/The COM 808513105 526 6,235 SH   SOLE   6,235 0 0
Charles Schwab Investment Management Inc US BRD MKT ETF 808524102 116 2,178 SH   DFND   0 0 2,178
Chemed Corp COM 16359R103 203 400 SH   SOLE   400 0 0
Chemours Co/The COM 163851108 8 244 SH   DFND   0 0 244
Chemours Co/The COM 163851108 1 20 SH   SOLE   20 0 0
Chemung Financial Corp COM 164024101 51 1,100 SH   DFND   0 0 1,100
Cherry Hill Mortgage Investmen COM 164651101 8 1,100 SH   DFND   0 0 1,100
Chevron Corp COM 166764100 933 5,728 SH   DFND   23 0 5,705
Chevron Corp COM 166764100 742 4,554 SH   SOLE   3,904 0 650
Chimera Investment Corp COM NEW 16934Q208 36 3,000 SH   DFND   0 0 3,000
Church & Dwight Co Inc COM 171340102 440 4,426 SH   SOLE   4,426 0 0
Churchill Downs Inc COM 171484108 1 5 SH   DFND   0 0 5
Cigna Corp COM 125523100 9 39 SH   DFND   0 0 39
Citigroup Inc COM NEW 172967424 17 327 SH   DFND   0 0 327
Clorox Co/The COM 189054109 683 4,913 SH   DFND   174 0 4,739
Clorox Co/The COM 189054109 20 143 SH   SOLE   143 0 0
Coca-Cola Co/The COM 191216100 2,418 38,994 SH   DFND   22,077 0 16,917
Coca-Cola Co/The COM 191216100 624 10,057 SH   SOLE   10,057 0 0
Cohen & Steers Capital Management Inc MRGSTR SM CP GR 464288604 86 1,944 SH   DFND   0 0 1,944
Cohen & Steers Capital Management Inc MSCI USA ESG SLC 464288802 51 526 SH   DFND   526 0 0
Cohen & Steers Capital Management Inc MSCI USA ESG SLC 464288802 6,993 72,213 SH   SOLE   72,080 0 133
Comcast Corp CL A 20030N101 433 9,239 SH   DFND   3,611 0 5,628
Comcast Corp CL A 20030N101 227 4,859 SH   SOLE   4,859 0 0
Consolidated Edison Inc COM 209115104 171 1,808 SH   DFND   0 0 1,808
Constellation Brands Inc CL A 21036P108 35 150 SH   SOLE   150 0 0
Constellium SE CL A SHS F21107101 4 200 SH   DFND   0 0 200
Corteva Inc COM 22052L104 2 37 SH   DFND   0 0 37
Corteva Inc COM 22052L104 2 42 SH   SOLE   42 0 0
Costco Wholesale Corp COM 22160K105 655 1,138 SH   DFND   883 0 255
Costco Wholesale Corp COM 22160K105 8,039 13,961 SH   SOLE   13,365 0 596
Crane Co COM 224399105 10 90 SH   DFND   0 0 90
Crestwood Equity Partners LP UNIT LTD PARTNER 226344208 15 510 SH   DFND   0 0 510
Crown Castle International Cor COM 22822V101 14 76 SH   DFND   0 0 76
DEERE & CO COM 244199105 397 956 SH   DFND   0 0 956
DENTSPLY SIRONA COM 24906P109 118 2,400 SH   DFND   2,200 0 200
DIAGEO SPON ADR NEW 25243Q205 102 500 SH   SOLE   500 0 0
DISCOVER FINL SVCS COM 254709108 110 1,000 SH   DFND   0 0 1,000
DOMINION RES(VIR) COM 25746U109 319 3,754 SH   DFND   1,100 0 2,654
DOMINION RES(VIR) COM 25746U109 102 1,200 SH   SOLE   1,200 0 0
DR HORTON INC COM 23331A109 4 60 SH   SOLE   60 0 0
DUKE ENERGY CORP COM NEW 26441C204 565 5,057 SH   DFND   2,264 0 2,793
DUKE ENERGY CORP COM NEW 26441C204 6,717 60,160 SH   SOLE   59,347 0 813
Dana Inc COM 235825205 21 1,200 SH   DFND   1,200 0 0
Danaher Corp COM 235851102 93 318 SH   DFND   226 0 92
Danaher Corp COM 235851102 8,792 29,974 SH   SOLE   28,169 0 1,805
Darden Restaurants Inc COM 237194105 14 104 SH   DFND   0 0 104
Darden Restaurants Inc COM 237194105 27 204 SH   SOLE   204 0 0
Dell Technologies Inc CL C 24703L202 27 544 SH   SOLE   544 0 0
Delta Air Lines Inc COM NEW 247361702 153 3,879 SH   DFND   0 0 3,879
Desktop Metal Inc COM CL A 25058X105 5 1,000 SH   DFND   0 0 1,000
Dick's Sporting Goods Inc COM 253393102 140 1,400 SH   DFND   0 0 1,400
Dollar General Corp COM 256677105 1 6 SH   DFND   0 0 6
Dollar General Corp COM 256677105 5 23 SH   SOLE   23 0 0
Douglas Dynamics Inc COM 25960R105 69 2,000 SH   DFND   0 0 2,000
Dow Inc COM 260557103 149 2,346 SH   DFND   0 0 2,346
Dow Inc COM 260557103 20 308 SH   SOLE   308 0 0
DraftKings Inc COM CL A 26142R104 27 1,384 SH   DFND   0 0 1,384
DuPont de Nemours Inc COM 26614N102 7 96 SH   DFND   0 0 96
DuPont de Nemours Inc COM 26614N102 23 313 SH   SOLE   313 0 0
ECOLAB INC COM 278865100 408 2,310 SH   SOLE   2,310 0 0
EMERSON ELECTRIC COM 291011104 543 5,539 SH   DFND   900 0 4,639
EMERSON ELECTRIC COM 291011104 1,327 13,536 SH   SOLE   13,100 0 436
ENBRIDGE INC COM 29250N105 11 246 SH   SOLE   246 0 0
EOG Resources Inc COM 26875P101 198 1,660 SH   DFND   35 0 1,625
ETFis Series Trust I VIRTUS INFRCAP 26923G822 18 750 SH   DFND   0 0 750
ETRACS ETNs/UBS AG/London/USA ETRACS MNTHLY B 90274E166 69 5,880 SH   DFND   0 0 5,880
EXCHANGE TRADED CONCEPTS LLC ROBO GLB ETF 301505707 11 196 SH   DFND   0 0 196
Eagle Point Credit Co Inc COM 269808101 128 9,700 SH   DFND   0 0 9,700
Eastman Chemical Co COM 277432100 36 323 SH   DFND   323 0 0
Eaton Corp PLC SHS G29183103 466 3,071 SH   DFND   0 0 3,071
Eli Lilly & Co COM 532457108 208 725 SH   DFND   283 0 442
Eli Lilly & Co COM 532457108 11,533 40,273 SH   SOLE   39,542 0 731
EnerSys COM 29275Y102 56 750 SH   SOLE   750 0 0
Energy Transfer LP COM UT LTD PTN 29273V100 62 5,500 SH   DFND   0 0 5,500
Entergy Corp COM 29364G103 140 1,200 SH   DFND   0 0 1,200
Enterprise Products Partners L COM 293792107 10 400 SH   DFND   0 0 400
Essential Utilities Inc COM 29670G102 175 3,419 SH   SOLE   3,419 0 0
Evergy Inc COM 30034W106 170 2,484 SH   DFND   0 0 2,484
Evergy Inc COM 30034W106 68 1,000 SH   SOLE   1,000 0 0
Eversource Energy COM 30040W108 177 2,005 SH   SOLE   2,005 0 0
Exelon Corp COM 30161N101 159 3,348 SH   DFND   0 0 3,348
Exelon Corp COM 30161N101 14 285 SH   SOLE   285 0 0
Exxon Mobil Corp COM 30231G102 1,274 15,430 SH   DFND   4,032 0 11,398
Exxon Mobil Corp COM 30231G102 9,629 116,594 SH   SOLE   115,225 0 1,369
FEDEX CORP COM 31428X106 248 1,070 SH   DFND   15 0 1,055
FEDEX CORP COM 31428X106 93 404 SH   SOLE   404 0 0
FERRARI NV COM N3167Y103 2 8 SH   SOLE   8 0 0
FMC Corp COM NEW 302491303 2 17 SH   DFND   17 0 0
FRANCO-NEVADA CORP COM 351858105 10 65 SH   DFND   0 0 65
FREEPORT-MCMOR C&G CL B 35671D857 29 591 SH   SOLE   591 0 0
FS KKR Capital Corp COM 302635206 9 400 SH   DFND   0 0 400
Facebook Inc CL A 30303M102 139 623 SH   DFND   48 0 575
Facebook Inc CL A 30303M102 245 1,101 SH   SOLE   1,101 0 0
Fastenal Co COM 311900104 119 2,000 SH   DFND   0 0 2,000
Financial Institutions Inc COM 317585404 153 5,085 SH   DFND   0 0 5,085
First Financial Bancorp COM 320209109 26 1,111 SH   SOLE   1,111 0 0
First Trust Advisors LP NAT GAS ETF 33733E807 340 13,960 SH   DFND   13,960 0 0
First Trust Advisors LP CLOUD COMPUTING 33734X192 16 180 SH   DFND   0 0 180
First Trust Advisors LP COM SHS 33735K108 7 69 SH   DFND   0 0 69
First Trust ETFs/USA INDXX GLOBAL AGR 33734X812 15 440 SH   DFND   440 0 0
First Trust ETFs/USA INDXX NAT RE ETF 33734X838 60 3,614 SH   DFND   3,614 0 0
FirstEnergy Corp COM 337932107 181 3,937 SH   DFND   3,787 0 150
Flowserve Corp COM 34354P105 4 100 SH   DFND   0 0 100
Ford Motor Co COM 345370860 129 7,650 SH   DFND   0 0 7,650
Ford Motor Co COM 345370860 174 10,285 SH   SOLE   10,285 0 0
Fortive Corp COM 34959J108 41 675 SH   SOLE   675 0 0
Four Corners Property Trust In COM 35086T109 3 100 SH   DFND   0 0 100
Franklin Resources Inc COM 354613101 56 2,000 SH   DFND   0 0 2,000
Fulton Financial Corp COM 360271100 76 4,552 SH   SOLE   4,552 0 0
GARRETT MOTION INC COM 366505105 0 3 SH   DFND   3 0 0
GEN DYNAMICS CORP COM 369550108 245 1,016 SH   DFND   280 0 736
GEN DYNAMICS CORP COM 369550108 5,292 21,941 SH   SOLE   21,620 0 321
GLAXOSMITHKLINE SPONSORED ADR 37733W105 116 2,655 SH   DFND   2,655 0 0
GLAXOSMITHKLINE SPONSORED ADR 37733W105 57 1,300 SH   SOLE   1,300 0 0
GLOBAL X FDS RBTCS ARTFL INTE 37954Y715 22 751 SH   DFND   0 0 751
GOLDMAN SACHS GRP COM 38141G104 279 844 SH   DFND   0 0 844
GOLDMAN SACHS GRP COM 38141G104 215 650 SH   SOLE   650 0 0
Gaming and Leisure Properties COM 36467J108 6 123 SH   SOLE   123 0 0
General Electric Co COM NEW 369604301 300 3,275 SH   DFND   69 0 3,206
General Electric Co COM NEW 369604301 206 2,249 SH   SOLE   2,249 0 0
General Mills Inc COM 370334104 242 3,571 SH   DFND   0 0 3,571
General Mills Inc COM 370334104 37 544 SH   SOLE   544 0 0
General Motors Co COM 37045V100 92 2,100 SH   DFND   0 0 2,100
Genuine Parts Co COM 372460105 36 288 SH   DFND   288 0 0
Gilead Sciences Inc COM 375558103 2 28 SH   DFND   18 0 10
Global Partners LP/MA COM UNITS 37946R109 15 560 SH   DFND   0 0 560
Global X Management Co LLC GBL X BLOCKCHAIN 37954Y160 28 1,600 SH   DFND   1,600 0 0
Goldman Sachs Asset Management LP ACTIVEBETA INT 381430107 8 241 SH   DFND   0 0 241
Goldman Sachs Asset Management LP ACTIVEBETA INT 381430107 454 13,860 SH   SOLE   13,776 0 84
Goldman Sachs Asset Management LP ACTIVEBETA US LG 381430503 15 167 SH   DFND   167 0 0
Goldman Sachs Asset Management LP ACTIVEBETA US LG 381430503 866 9,726 SH   SOLE   9,503 0 223
Goodyear Tire & Rubber Co/The COM 382550101 1 45 SH   DFND   0 0 45
Guidewire Software Inc COM 40171V100 95 1,000 SH   DFND   0 0 1,000
HALLIBURTON COM 406216101 9 228 SH   DFND   0 0 228
HANESBRANDS INC COM 410345102 11 730 SH   DFND   0 0 730
HARLEY DAVIDSON COM 412822108 64 1,620 SH   SOLE   1,620 0 0
HCA Healthcare Inc COM 40412C101 16 65 SH   DFND   0 0 65
HOLLY ENERGY PARTNERS LP COM UT LTD PTN 435763107 16 900 SH   DFND   0 0 900
HONDA MOTOR CO AMERN SHS 438128308 3 100 SH   DFND   0 0 100
HP Inc COM 40434L105 22 595 SH   DFND   0 0 595
Haemonetics Corp COM 405024100 35 560 SH   SOLE   560 0 0
Hartford Financial Services Gr COM 416515104 217 3,028 SH   DFND   0 0 3,028
Hawaiian Electric Industries I COM 419870100 59 1,400 SH   DFND   1,400 0 0
Healthcare Ventures LLC COM 52187K101 2 1,205 SH   DFND   1,205 0 0
Helmerich & Payne Inc COM 423452101 8 179 SH   DFND   0 0 179
Hershey Co/The COM 427866108 24 112 SH   DFND   0 0 112
Hershey Co/The COM 427866108 417 1,924 SH   SOLE   1,924 0 0
Hewlett Packard Enterprise Co COM 42824C109 10 578 SH   DFND   0 0 578
Highland Funds I HIGHLAND INCOME 43010E404 9 720 SH   DFND   0 0 720
Home Depot Inc/The COM 437076102 810 2,707 SH   DFND   718 0 1,989
Home Depot Inc/The COM 437076102 8,549 28,560 SH   SOLE   28,284 0 276
Honeywell International Inc COM 438516106 374 1,921 SH   DFND   709 0 1,212
Honeywell International Inc COM 438516106 7,283 37,431 SH   SOLE   36,351 0 1,080
Hormel Foods Corp COM 440452100 212 4,104 SH   DFND   0 0 4,104
Hormel Foods Corp COM 440452100 8 164 SH   SOLE   164 0 0
Howmet Aerospace Inc COM 443201108 219 6,100 SH   DFND   0 0 6,100
Huntington Bancshares Inc/OH COM 446150104 152 10,408 SH   DFND   0 0 10,408
Huttig Building Products Inc COM 448451104 0 20 SH   DFND   0 0 20
ICON PLC SHS G4705A100 2 8 SH   SOLE   8 0 0
IDACORP Inc COM 451107106 6 50 SH   DFND   50 0 0
II-VI Inc COM 902104108 4 50 SH   DFND   0 0 50
ILLINOIS TOOL WKS COM 452308109 421 2,012 SH   DFND   312 0 1,700
ILLINOIS TOOL WKS COM 452308109 209 1,000 SH   SOLE   1,000 0 0
INTERCONTINENTAL EXCHANGE COM 45866F104 59 446 SH   DFND   431 0 15
INTERCONTINENTAL EXCHANGE COM 45866F104 3,515 26,606 SH   SOLE   24,971 0 1,635
INTL BUSINESS MCHN COM 459200101 1,547 11,902 SH   DFND   7,801 0 4,101
INTL BUSINESS MCHN COM 459200101 2,123 16,331 SH   SOLE   15,861 0 470
ISHARES SELECT DIVID ETF 464287168 799 6,238 SH   DFND   450 0 5,788
ISHARES SELECT DIVID ETF 464287168 1,260 9,830 SH   SOLE   9,830 0 0
ISHARES CORE S&P500 ETF 464287200 1,267 2,792 SH   DFND   1,879 0 913
ISHARES CORE S&P500 ETF 464287200 299 659 SH   SOLE   659 0 0
ISHARES IBOXX INV CP ETF 464287242 35 286 SH   DFND   146 0 140
ISHARES IBOXX INV CP ETF 464287242 836 6,912 SH   SOLE   6,684 0 228
ISHARES GBL COMM SVC ETF 464287275 37 500 SH   DFND   500 0 0
ISHARES S&P 500 GRWT ETF 464287309 496 6,496 SH   SOLE   6,496 0 0
ISHARES GLOB HLTHCRE ETF 464287325 315 3,600 SH   DFND   3,600 0 0
ISHARES GLOBAL ENERG ETF 464287341 228 6,300 SH   DFND   6,300 0 0
ISHARES S&P 500 VAL ETF 464287408 96 619 SH   SOLE   619 0 0
ISHARES ISHARES BIOTECH 464287556 117 900 SH   DFND   900 0 0
ISHARES RUS 2000 VAL ETF 464287630 275 1,705 SH   SOLE   1,705 0 0
ISHARES RUSSELL 2000 ETF 464287655 594 2,892 SH   DFND   0 0 2,892
ISHARES RUSSELL 2000 ETF 464287655 145 706 SH   SOLE   706 0 0
ISHARES SP SMCP600VL ETF 464287879 16 155 SH   DFND   155 0 0
ISHARES SP SMCP600VL ETF 464287879 553 5,404 SH   SOLE   4,404 0 1,000
ISHARES SHORT TREAS BD 464288679 110 1,000 SH   DFND   1,000 0 0
ISHARES EAFE VALUE ETF 464288877 17 333 SH   DFND   317 0 16
ISHARES ISHARES 46428Q109 31 1,376 SH   SOLE   1,376 0 0
ISHARES CORE MSCI EAFE 46432F842 629 9,050 SH   DFND   1,588 0 7,462
ISHARES ETFS/USA ESG AW MSCI EAFE 46435G516 17 233 SH   SOLE   233 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 226 5,012 SH   DFND   5,012 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 451 9,997 SH   SOLE   9,997 0 0
ISHARES TR FLTG RATE NT ETF 46429B655 14 287 SH   SOLE   287 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689 1,745 24,192 SH   SOLE   24,192 0 0
ISHARES TRUST TIPS BD ETF 464287176 16 128 SH   DFND   0 0 128
ISHARES TRUST TIPS BD ETF 464287176 22 178 SH   SOLE   178 0 0
ISHARES TRUST GLOBAL TECH ETF 464287291 331 5,700 SH   DFND   5,700 0 0
ISHARES TRUST 1 3 YR TREAS BD 464287457 667 8,006 SH   DFND   8,006 0 0
ISHARES TRUST 1 3 YR TREAS BD 464287457 772 9,258 SH   SOLE   8,952 0 306
ISHARES TRUST GL TIMB FORE ETF 464288174 67 750 SH   DFND   750 0 0
ISHARES/USA US HLTHCARE ETF 464287762 23 80 SH   SOLE   80 0 0
ISHARES/USA NATIONAL MUN ETF 464288414 815 7,431 SH   DFND   6,750 0 681
ITRON INC COM 465741106 16 300 SH   DFND   300 0 0
Ingevity Corp COM 45688C107 96 1,500 SH   DFND   0 0 1,500
Intel Corp COM 458140100 1,676 33,818 SH   DFND   16,028 0 17,790
Intel Corp COM 458140100 1,467 29,601 SH   SOLE   26,596 0 3,005
International Paper Co COM 460146103 9 205 SH   DFND   155 0 50
International Paper Co COM 460146103 60 1,300 SH   SOLE   1,300 0 0
Interpublic Group of Cos Inc/T COM 460690100 146 4,128 SH   DFND   0 0 4,128
Intuitive Surgical Inc COM NEW 46120E602 84 280 SH   DFND   271 0 9
Intuitive Surgical Inc COM NEW 46120E602 4,156 13,777 SH   SOLE   13,425 0 352
Invesco Capital Management LLC UNIT SER 1 46090E103 615 1,696 SH   DFND   0 0 1,696
Invesco Capital Management LLC UNIT SER 1 46090E103 320 882 SH   SOLE   882 0 0
Invesco Capital Management LLC INDIA ETF 46137R109 78 3,000 SH   DFND   3,000 0 0
Invesco Capital Management LLC S&P500 EQL ENR 46137V365 121 1,800 SH   DFND   1,800 0 0
Invesco Capital Management LLC DYNMC PHRMCTLS 46137V662 72 900 SH   DFND   900 0 0
Invesco Capital Management LLC S&P500 LOW VOL 46138E354 120 1,790 SH   SOLE   1,790 0 0
Invesco Capital Management LLC PFD ETF 46138E511 83 6,135 SH   DFND   4,272 0 1,863
Invesco Capital Management LLC PFD ETF 46138E511 5,147 379,290 SH   SOLE   377,529 0 1,761
Invesco Capital Management LLC S&P SMALLCAP 600 46138G664 4 30 SH   DFND   0 0 30
Invesco Capital Management LLC S&P SMALLCAP 600 46138G664 172 1,436 SH   SOLE   1,341 0 95
Invesco Capital Management LLC S&P 500 REVENUE 46138G698 25 311 SH   DFND   311 0 0
Invesco Capital Management LLC S&P 500 REVENUE 46138G698 6,257 77,561 SH   SOLE   76,220 0 1,341
Invesco Capital Management LLC SOLAR ETF 46138G706 0 5 SH   DFND   0 0 5
Invesco ETFs/USA S&P500 EQL HLT 46137V332 46 150 SH   DFND   150 0 0
Invesco ETFs/USA UNIT 46138B103 89 3,400 SH   DFND   3,400 0 0
Invesco ETFs/USA S&P GBL WATER 46138E263 126 2,400 SH   DFND   2,400 0 0
JPMorgan Chase & Co COM 46625H100 887 6,506 SH   DFND   3,083 0 3,423
JPMorgan Chase & Co COM 46625H100 8,708 63,880 SH   SOLE   61,087 0 2,793
JUNIPER NETWORKS COM 48203R104 74 2,000 SH   DFND   0 0 2,000
John Hancock Exchange-Traded F MULTIFACTOR HE 47804J503 49 987 SH   SOLE   987 0 0
Johnson & Johnson COM 478160104 2,333 13,166 SH   DFND   2,532 0 10,634
Johnson & Johnson COM 478160104 3,793 21,400 SH   SOLE   21,000 0 400
Johnson Controls International SHS G51502105 16 250 SH   DFND   36 0 214
KIMBERLY-CLARK CP COM 494368103 364 2,955 SH   DFND   454 0 2,501
KIMBERLY-CLARK CP COM 494368103 4,706 38,211 SH   SOLE   37,336 0 875
KIMCO REALTY COM 49446R109 22 900 SH   DFND   0 0 900
Kellogg Co COM 487836108 3 48 SH   DFND   0 0 48
Kellogg Co COM 487836108 84 1,300 SH   SOLE   1,300 0 0
KeyCorp COM 493267108 137 6,117 SH   DFND   0 0 6,117
KeyCorp COM 493267108 22 1,000 SH   SOLE   1,000 0 0
Kinder Morgan Inc COM 49456B101 38 2,000 SH   DFND   0 0 2,000
Kraft Foods Inc CL A 609207105 137 2,179 SH   DFND   0 0 2,179
Kraft Foods Inc CL A 609207105 160 2,553 SH   SOLE   2,553 0 0
Kraft Heinz Co/The COM 500754106 40 1,023 SH   DFND   0 0 1,023
Kraft Heinz Co/The COM 500754106 8 195 SH   SOLE   195 0 0
KraneShares ETFs/USA QUADRTC INT RT 500767736 29 1,130 SH   DFND   0 0 1,130
Kyndryl Holdings Inc None 50155Q100 11 868 SH   DFND   60 0 808
Kyndryl Holdings Inc None 50155Q100 37 2,786 SH   SOLE   2,692 0 94
L3Harris Technologies Inc COM 502431109 106 428 SH   DFND   0 0 428
L3Harris Technologies Inc COM 502431109 214 861 SH   SOLE   861 0 0
LOWE'S COS INC COM 548661107 488 2,413 SH   DFND   198 0 2,215
LOWE'S COS INC COM 548661107 810 4,008 SH   SOLE   1,740 0 2,268
LUCID GROUP INC COM 549498103 13 500 SH   DFND   0 0 500
Laboratory Corp of America Hol COM NEW 50540R409 264 1,000 SH   DFND   0 0 1,000
Lamb Weston Holdings Inc COM 513272104 16 266 SH   DFND   0 0 266
Leggett & Platt Inc COM 524660107 139 4,000 SH   DFND   800 0 3,200
Linde PLC SHS G5494J103 144 451 SH   DFND   0 0 451
Lindsay Corp COM 535555106 47 300 SH   DFND   300 0 0
Lithium Americas Corp COM NEW 53680Q207 8 200 SH   DFND   0 0 200
Lockheed Martin Corp COM 539830109 192 435 SH   DFND   6 0 429
Lockheed Martin Corp COM 539830109 87 196 SH   SOLE   196 0 0
Loews Corp COM 126117100 29 600 SH   DFND   0 0 600
Lululemon Athletica Inc COM 550021109 51 140 SH   DFND   0 0 140
Lululemon Athletica Inc COM 550021109 2 6 SH   SOLE   6 0 0
M&T Bank Corp COM 55261F104 85 500 SH   DFND   0 0 500
MARSH & MCLENNAN COM 571748102 105 618 SH   SOLE   618 0 0
MASTERCARD INC CL A 57636Q104 251 702 SH   DFND   646 0 56
MASTERCARD INC CL A 57636Q104 6,762 18,922 SH   SOLE   18,441 0 481
MATTEL INC COM 577081102 2 100 SH   DFND   0 0 100
MCCORMICK & CO INC COM NON VTG 579780206 121 1,210 SH   SOLE   1,210 0 0
MCDONALD'S CORP COM 580135101 1,712 6,925 SH   DFND   1,465 0 5,460
MCDONALD'S CORP COM 580135101 8,555 34,595 SH   SOLE   34,036 0 559
MDC Holdings Inc COM 552676108 25 660 SH   DFND   0 0 660
MDU RES GROUP INC COM 552690109 64 2,400 SH   DFND   2,400 0 0
MICROSOFT CORP COM 594918104 8,427 27,334 SH   DFND   3,947 0 23,387
MICROSOFT CORP COM 594918104 29,968 97,201 SH   SOLE   92,916 0 4,285
MOLSON COORS BREWING CO CL B 60871R209 3 50 SH   SOLE   50 0 0
MSC Industrial Direct Co Inc CL A 553530106 136 1,600 SH   DFND   0 0 1,600
Macerich Co/The COM 554382101 110 7,045 SH   DFND   0 0 7,045
Madison Square Garden Co/The CL A 55825T103 76 426 SH   DFND   0 0 426
Mandiant Inc None 562662106 45 2,000 SH   DFND   2,000 0 0
Marathon Oil Corp COM 565849106 50 1,974 SH   DFND   0 0 1,974
Marathon Petroleum Corp COM 56585A102 139 1,624 SH   DFND   0 0 1,624
Marathon Petroleum Corp COM 56585A102 4 51 SH   SOLE   51 0 0
Markel Corp COM 570535104 317 215 SH   SOLE   215 0 0
Marriott International Inc/MD CL A 571903202 866 4,925 SH   SOLE   4,925 0 0
Marriott Vacations Worldwide C COM 57164Y107 14 87 SH   SOLE   87 0 0
Masco Corp COM 574599106 179 3,500 SH   DFND   0 0 3,500
McKesson Corp COM 58155Q103 78 254 SH   SOLE   29 0 225
Medtronic PLC SHS G5960L103 16 144 SH   DFND   13 0 131
Medtronic PLC SHS G5960L103 121 1,092 SH   SOLE   1,092 0 0
MercadoLibre Inc COM 58733R102 2 2 SH   SOLE   2 0 0
Merck & Co Inc COM 58933Y105 437 5,323 SH   DFND   1,587 0 3,736
Merck & Co Inc COM 58933Y105 6,838 83,337 SH   SOLE   81,716 0 1,621
MetLife Inc COM 59156R108 107 1,527 SH   DFND   27 0 1,500
MetLife Inc COM 59156R108 132 1,875 SH   SOLE   725 0 1,150
Mettler-Toledo International I COM 592688105 1 1 SH   SOLE   1 0 0
Micro Focus International PLC SPON ADR NEW 594837403 0 65 SH   DFND   0 0 65
Microchip Technology Inc COM 595017104 246 3,280 SH   DFND   2,780 0 500
Microchip Technology Inc COM 595017104 361 4,808 SH   SOLE   4,808 0 0
Moderna Inc COM 60770K107 2 10 SH   DFND   0 0 10
Monroe Capital Corp COM 610335101 94 8,712 SH   DFND   0 0 8,712
NBT Bancorp Inc COM 628778102 1,508 41,727 SH   DFND   3,831 0 37,896
NBT Bancorp Inc COM 628778102 330 9,120 SH   SOLE   9,120 0 0
NETFLIX INC COM 64110L106 39 105 SH   SOLE   105 0 0
NEWMONT MINING CP COM 651639106 130 1,630 SH   DFND   0 0 1,630
NEWMONT MINING CP COM 651639106 79 1,000 SH   SOLE   1,000 0 0
NEXTERA ENERGY COM 65339F101 221 2,606 SH   DFND   0 0 2,606
NEXTERA ENERGY COM 65339F101 339 4,000 SH   SOLE   4,000 0 0
NGL Energy Partners LP COM UNIT REPST 62913M107 3 1,300 SH   DFND   0 0 1,300
NIKE INC CL B 654106103 419 3,116 SH   DFND   880 0 2,236
NIKE INC CL B 654106103 538 3,998 SH   SOLE   2,698 0 1,300
NVIDIA Corp COM 67066G104 109 400 SH   DFND   400 0 0
NVIDIA Corp COM 67066G104 7,520 27,561 SH   SOLE   24,637 0 2,924
NewAge Inc COM 650194103 1 1,000 SH   DFND   0 0 1,000
Newtek Business Services Corp COM NEW 652526203 8 300 SH   DFND   0 0 300
Nokia Oyj SPONSORED ADR 654902204 1 200 SH   SOLE   200 0 0
Nomura Holdings Inc SPONSORED ADR 65535H208 4 1,000 SH   DFND   0 0 1,000
Norwood Financial Corp COM 669549107 143 5,000 SH   SOLE   5,000 0 0
Novartis AG SPONSORED ADR 66987V109 111 1,260 SH   DFND   1,260 0 0
Novartis AG SPONSORED ADR 66987V109 167 1,899 SH   SOLE   1,899 0 0
Novocure Ltd ORD SHS G6674U108 8 100 SH   DFND   0 0 100
Nucor Corp COM 670346105 7 50 SH   DFND   0 0 50
Nuveen Closed-End Funds/USA COM 67066X107 132 10,505 SH   SOLE   10,505 0 0
Nuveen Closed-End Funds/USA COM 67069Y102 14 1,063 SH   DFND   0 0 1,063
Nuveen Closed-End Funds/USA COM 67072C105 17 2,000 SH   DFND   0 0 2,000
Nuveen Fund Advisors Inc COM 670656107 6 500 SH   DFND   0 0 500
OCCIDENTAL PETROLEUM CORP *W EXP 08/03/202 674599162 8 234 SH   DFND   0 0 234
OGE Energy Corp COM 670837103 106 2,600 SH   DFND   2,500 0 100
ORACLE CORP COM 68389X105 157 1,898 SH   DFND   296 0 1,602
ORACLE CORP COM 68389X105 470 5,676 SH   SOLE   2,921 0 2,755
Occidental Petroleum Corp COM 674599105 106 1,876 SH   DFND   0 0 1,876
Omnicom Group Inc COM 681919106 189 2,227 SH   DFND   58 0 2,169
Opendoor Technologies Inc COM 683712103 3 400 SH   DFND   0 0 400
Orchid Island Capital Inc COM 68571X103 4 1,290 SH   DFND   0 0 1,290
Organon & Co COMMON STOCK 68622V106 14 399 SH   DFND   40 0 359
Otis Worldwide Corp COM 68902V107 32 418 SH   DFND   0 0 418
Otis Worldwide Corp COM 68902V107 3 36 SH   SOLE   36 0 0
Ovintiv Inc COM 69047Q102 16 294 SH   DFND   0 0 294
Owl Rock Capital Corp COM 69121K104 14 965 SH   DFND   0 0 965
Oxford Lane Closed End Funds/U COM 691543102 116 16,000 SH   DFND   0 0 16,000
PEPSICO INC COM 713448108 1,005 6,002 SH   DFND   2,908 0 3,094
PEPSICO INC COM 713448108 8,077 48,258 SH   SOLE   46,791 0 1,467
PG&E CORP COM 69331C108 4 300 SH   DFND   0 0 300
PHILIP MORRIS INTL COM 718172109 458 4,873 SH   DFND   0 0 4,873
PHILIP MORRIS INTL COM 718172109 301 3,203 SH   SOLE   3,203 0 0
PIMCO Funds/Closed-End/USA COM BEN SHS 69355M107 17 1,025 SH   DFND   0 0 1,025
PIMCO Funds/Closed-End/USA SHS 72201Y101 23 930 SH   DFND   0 0 930
PNC Financial Services Group I COM 693475105 563 3,053 SH   DFND   0 0 3,053
PPG Industries Inc COM 693506107 210 1,602 SH   DFND   0 0 1,602
PPG Industries Inc COM 693506107 20 152 SH   SOLE   0 0 152
PPL Corp COM 69351T106 171 6,000 SH   DFND   0 0 6,000
PPL Corp COM 69351T106 35 1,227 SH   SOLE   1,227 0 0
Pacific Investment Management Co LLC COM 72201B101 7 430 SH   DFND   0 0 430
Palantir Technologies Inc CL A 69608A108 7 500 SH   DFND   0 0 500
Parametric Portfolio Associates LLC COM 27828Y108 5 300 SH   SOLE   300 0 0
Paramount Global CL A 92556H107 1 25 SH   DFND   0 0 25
Paramount Global CL B 92556H206 1 26 SH   DFND   0 0 26
PayPal Holdings Inc COM 70450Y103 120 1,038 SH   DFND   988 0 50
PayPal Holdings Inc COM 70450Y103 4,778 41,315 SH   SOLE   38,593 0 2,722
Paychex Inc COM 704326107 269 1,969 SH   DFND   528 0 1,441
Paychex Inc COM 704326107 417 3,053 SH   SOLE   3,053 0 0
Penn National Gaming Inc COM 707569109 4 100 SH   SOLE   100 0 0
PennantPark Investment Corp COM 708062104 78 10,000 SH   DFND   0 0 10,000
Pfizer Inc COM 717081103 1,391 26,860 SH   DFND   3,224 0 23,636
Pfizer Inc COM 717081103 869 16,788 SH   SOLE   16,788 0 0
Pfizer Inc CL A 98978V103 6 30 SH   SOLE   30 0 0
Phillips 66 COM 718546104 133 1,544 SH   DFND   0 0 1,544
Pimco ETF Trust ENHAN SHRT MA AC 72201R833 20 200 SH   DFND   200 0 0
Pinnacle West Capital Corp COM 723484101 156 2,000 SH   DFND   0 0 2,000
Pinterest Inc CL A 72352L106 2 100 SH   DFND   0 0 100
Pitney Bowes Inc COM 724479100 0 80 SH   DFND   0 0 80
Plug Power Inc COM NEW 72919P202 3 120 SH   DFND   0 0 120
Polaris Inc COM 731068102 211 2,000 SH   SOLE   2,000 0 0
Portland General Electric Co COM NEW 736508847 66 1,200 SH   DFND   1,200 0 0
Principal Financial Group Inc COM 74251V102 153 2,080 SH   DFND   0 0 2,080
ProShare Advisors LLC S&P 500 DV ARIST 74348A467 2 20 SH   DFND   0 0 20
Procter & Gamble Co/The COM 742718109 5,864 38,374 SH   DFND   469 0 37,905
Procter & Gamble Co/The COM 742718109 1,944 12,724 SH   SOLE   11,699 0 1,025
Prudential Financial Inc COM 744320102 1 11 SH   DFND   11 0 0
Public Service Enterprise Grou COM 744573106 139 1,985 SH   DFND   1,237 0 748
Public Service Enterprise Grou COM 744573106 7,090 101,279 SH   SOLE   99,678 0 1,601
Public Storage COM 74460D109 258 662 SH   DFND   235 0 427
Public Storage COM 74460D109 6,788 17,393 SH   SOLE   16,997 0 396
QUALCOMM INC COM 747525103 306 2,000 SH   DFND   0 0 2,000
QUALCOMM INC COM 747525103 183 1,200 SH   SOLE   1,200 0 0
Quest Diagnostics Inc COM 74834L100 66 480 SH   DFND   0 0 480
REALTY INCOME CORP COM 756109104 150 2,169 SH   DFND   0 0 2,169
RESTAURANT BRANDS INTERNATIONA COM 76131D103 58 1,000 SH   DFND   0 0 1,000
RMR Group Inc/The CL A 74967R106 2 49 SH   DFND   0 0 49
ROCKWELL AUTOMATION COM 773903109 144 516 SH   DFND   0 0 516
ROPER INDUSTRIES INC COM 776696106 6 12 SH   SOLE   12 0 0
Raytheon Technologies Corp COM 75513E101 480 4,844 SH   DFND   30 0 4,814
Raytheon Technologies Corp COM 75513E101 100 1,005 SH   SOLE   72 0 933
Republic Services Inc COM 760759100 19 147 SH   DFND   0 0 147
ResMed Inc COM 761152107 2 9 SH   SOLE   9 0 0
Resideo Technologies Inc COM 76118Y104 0 5 SH   DFND   5 0 0
Rio Tinto PLC SPONSORED ADR 767204100 193 2,400 SH   DFND   0 0 2,400
Rivian Automotive Inc None 76954A103 1 25 SH   SOLE   25 0 0
Royal Bank of Canada COM 780087102 265 2,400 SH   DFND   0 0 2,400
SALESFORCE.COM INC COM 79466L302 58 271 SH   DFND   21 0 250
SALESFORCE.COM INC COM 79466L302 243 1,143 SH   SOLE   1,143 0 0
SANDSTORM GOLD LTD COM NEW 80013R206 10 1,200 SH   DFND   0 0 1,200
SELECT SECTOR SPDR SBI HEALTHCARE 81369Y209 29 215 SH   SOLE   215 0 0
SELECT SECTOR SPDR SBI CONS STPLS 81369Y308 2 21 SH   DFND   0 0 21
SELECT SECTOR SPDR SBI CONS STPLS 81369Y308 114 1,500 SH   SOLE   1,500 0 0
SELECT SECTOR SPDR SBI CONS DISCR 81369Y407 57 307 SH   SOLE   307 0 0
SELECT SECTOR SPDR ENERGY 81369Y506 138 1,800 SH   DFND   1,800 0 0
SELECT SECTOR SPDR FINANCIAL 81369Y605 38 1,000 SH   DFND   0 0 1,000
SELECT SECTOR SPDR FINANCIAL 81369Y605 100 2,614 SH   SOLE   2,614 0 0
SELECT SECTOR SPDR TECHNOLOGY 81369Y803 1,234 7,766 SH   DFND   5,260 0 2,506
SELECT SECTOR SPDR SBI INT-UTILS 81369Y886 484 6,500 SH   DFND   6,500 0 0
SEMPRA ENERGY COM 816851109 190 1,133 SH   DFND   0 0 1,133
SHOPIFY INC CL A 82509L107 1 1 SH   SOLE   1 0 0
SMUCKER(JM)CO COM NEW 832696405 32 235 SH   DFND   0 0 235
SNAP INC CL A 83304A106 2 50 SH   DFND   0 0 50
SPDR DOW JONES IND UT SER 1 78467X109 931 2,685 SH   DFND   0 0 2,685
SPDR GOLD TRUST GOLD SHS 78463V107 10 55 SH   DFND   55 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 181 1,000 SH   SOLE   1,000 0 0
SPDR SERIES TRUST BLOOMBERG CONV 78464A359 108 1,405 SH   SOLE   1,405 0 0
SPDR SERIES TRUST S&P REGL BKG 78464A698 124 1,800 SH   SOLE   1,800 0 0
SSGA FUNDS MANAGEMENT PORTFOLIO SHORT 78464A474 0 7 SH   DFND   0 0 7
SSGA FUNDS MANAGEMENT INC NYSE TECH ETF 78464A102 42 300 SH   DFND   300 0 0
SSGA FUNDS MANAGEMENT INC PRTFLO S&P500 VL 78464A508 1 35 SH   DFND   0 0 35
SSGA FUNDS MANAGEMENT INC BLOOMBERG SHT TE 78468R408 58 2,194 SH   SOLE   2,194 0 0
SSGA FUNDS MANAGEMENT INC PORTFLI HIGH YLD 78468R606 59 2,361 SH   SOLE   2,361 0 0
SSGA Funds Management Inc S&P DIVID ETF 78464A763 77 600 SH   DFND   600 0 0
SSGA Funds Management Inc S&P DIVID ETF 78464A763 95 739 SH   SOLE   739 0 0
SSgA Funds Management Inc TR UNIT 78462F103 1,846 4,088 SH   DFND   511 0 3,577
SSgA Funds Management Inc TR UNIT 78462F103 902 1,998 SH   SOLE   1,998 0 0
SSgA Funds Management Inc S&P INTL SMLCP 78463X871 63 1,800 SH   DFND   1,800 0 0
SSgA Funds Management Inc S&P 400 MDCP VAL 78464A839 1 14 SH   DFND   0 0 14
SSgA Funds Management Inc S&P BIOTECH 78464A870 54 600 SH   DFND   600 0 0
SSgA Funds Management Inc BLOOMBERG 1-3 MO 78468R663 14 158 SH   DFND   158 0 0
SSgA Funds Management Inc SBI INT-INDS 81369Y704 40 392 SH   SOLE   392 0 0
SSgA Funds Management Inc RL EST SEL SEC 81369Y860 1 20 SH   DFND   0 0 20
STARBUCKS CORP COM 855244109 59 646 SH   DFND   574 0 72
STARBUCKS CORP COM 855244109 2,813 30,919 SH   SOLE   30,159 0 760
STATE STREET ETF/USA UTSER1 S&PDCRP 78467Y107 914 1,864 SH   DFND   0 0 1,864
STERIS PLC SHS USD G8473T100 2 8 SH   SOLE   8 0 0
SUNPOWER CORP COM 867652406 1 50 SH   DFND   0 0 50
Sarepta Therapeutics Inc COM 803607100 13 162 SH   SOLE   162 0 0
Schlumberger NV COM STK 806857108 215 5,200 SH   DFND   600 0 4,600
Selective Insurance Group Inc COM 816300107 128 1,438 SH   DFND   0 0 1,438
Shake Shack Inc CL A 819047101 3 50 SH   DFND   0 0 50
Sherwin-Williams Co/The COM 824348106 2 9 SH   DFND   9 0 0
Sherwin-Williams Co/The COM 824348106 5 19 SH   SOLE   19 0 0
Skyworks Solutions Inc COM 83088M102 13 100 SH   DFND   0 0 100
Snap-on Inc COM 833034101 144 700 SH   DFND   0 0 700
Sony Group Corp SPONSORED ADR 835699307 5 50 SH   DFND   0 0 50
Southern Co/The COM 842587107 40 555 SH   DFND   0 0 555
Southern Co/The COM 842587107 138 1,900 SH   SOLE   1,900 0 0
Sprott Asset Management CEFs TR UNIT 85207K107 623 71,000 SH   DFND   71,000 0 0
Sprott Asset Management CEFs TR UNIT 85207K107 187 21,339 SH   SOLE   21,339 0 0
Sprott Asset Management CEFs TR UNIT 85208R101 800 41,300 SH   DFND   41,300 0 0
Sprott Asset Management LP/Can UNIT 85207H104 821 53,400 SH   DFND   53,400 0 0
Sprott Asset Management LP/Can UNIT 85207H104 339 22,058 SH   SOLE   22,058 0 0
Stanley Black & Decker Inc COM 854502101 434 3,102 SH   SOLE   3,102 0 0
State Street Corp COM 857477103 29 330 SH   DFND   330 0 0
State Street ETF/USA S&P RETAIL ETF 78464A714 68 900 SH   DFND   900 0 0
State Street Global Advisors Inc ICE PFD SEC ETF 78464A292 11 291 SH   SOLE   291 0 0
State Street Global Advisors Inc BLOOMBERG INVT 78468R200 9 305 SH   DFND   0 0 305
State Street Global Advisors Inc BLOOMBERG HIGH Y 78468R622 42 413 SH   SOLE   413 0 0
State Street Global Advisors Inc PRTFLO S&P500 HI 78468R788 119 2,700 SH   SOLE   2,700 0 0
Stryker Corp COM 863667101 276 1,032 SH   DFND   924 0 108
Stryker Corp COM 863667101 3,766 14,088 SH   SOLE   13,250 0 838
Sunrun Inc COM 86771W105 3 100 SH   SOLE   100 0 0
Sylvamo Corp COMMON STOCK 871332102 1 18 SH   DFND   14 0 4
Sysco Corp COM 871829107 710 8,700 SH   DFND   0 0 8,700
Sysco Corp COM 871829107 9 113 SH   SOLE   113 0 0
TE Connectivity Ltd SHS H84989104 22 170 SH   DFND   0 0 170
TE Connectivity Ltd SHS H84989104 113 865 SH   SOLE   865 0 0
TEXAS INSTRUMENTS COM 882508104 445 2,427 SH   DFND   0 0 2,427
TEXAS INSTRUMENTS COM 882508104 506 2,756 SH   SOLE   2,756 0 0
TJX Cos Inc/The COM 872540109 153 2,532 SH   DFND   1,530 0 1,002
TJX Cos Inc/The COM 872540109 5,448 89,929 SH   SOLE   85,176 0 4,753
TORONTO-DOMINION COM NEW 891160509 95 1,200 SH   DFND   0 0 1,200
TRAVELERS CO INC COM 89417E109 58 317 SH   DFND   17 0 300
TRAVELERS CO INC COM 89417E109 132 720 SH   SOLE   720 0 0
TSMC SPONSORED ADS 874039100 133 1,275 SH   DFND   1,175 0 100
TSMC SPONSORED ADS 874039100 2 22 SH   SOLE   22 0 0
Tanger Factory Outlet Centers COM 875465106 12 700 SH   DFND   0 0 700
Tanger Factory Outlet Centers COM 875465106 14 800 SH   SOLE   800 0 0
Target Corp COM 87612E106 385 1,814 SH   DFND   15 0 1,799
Target Corp COM 87612E106 382 1,800 SH   SOLE   1,800 0 0
Tesla Inc COM 88160R101 372 345 SH   DFND   0 0 345
Tesla Inc COM 88160R101 108 100 SH   SOLE   100 0 0
Thermo Fisher Scientific Inc COM 883556102 651 1,103 SH   DFND   603 0 500
Thermo Fisher Scientific Inc COM 883556102 1,733 2,934 SH   SOLE   2,934 0 0
Tompkins Financial Corp COM 890110109 60,647 774,848 SH   DFND   0 0 774,848
Tompkins Financial Corp COM 890110109 36,164 462,043 SH   SOLE   0 0 462,043
TopBuild Corp COM 89055F103 70 388 SH   DFND   0 0 388
Truist Financial Corp COM 89832Q109 114 2,005 SH   DFND   0 0 2,005
TrustCo Bank Corp NY COM NEW 898349204 2 47 SH   DFND   0 0 47
Twitter Inc COM 90184L102 13 343 SH   DFND   0 0 343
Tyson Foods Inc CL A 902494103 153 1,702 SH   DFND   0 0 1,702
Tyson Foods Inc CL A 902494103 62 696 SH   SOLE   696 0 0
UGI Corp COM 902681105 91 2,524 SH   SOLE   2,524 0 0
USA Compression Partners LP COMUNIT LTDPAR 90290N109 20 1,115 SH   DFND   0 0 1,115
UTD PARCEL SERV CL B 911312106 152 711 SH   DFND   651 0 60
UTD PARCEL SERV CL B 911312106 8,395 39,147 SH   SOLE   38,191 0 956
Unilever PLC SPON ADR NEW 904767704 5 100 SH   SOLE   100 0 0
Union Pacific Corp COM 907818108 196 717 SH   DFND   9 0 708
Union Pacific Corp COM 907818108 255 935 SH   SOLE   535 0 400
United States Steel Corp COM 912909108 8 200 SH   SOLE   200 0 0
UnitedHealth Group Inc COM 91324P102 510 1,000 SH   DFND   0 0 1,000
UnitedHealth Group Inc COM 91324P102 8 15 SH   SOLE   15 0 0
VANECK VECTORS ETF AGRIBUSINESS ETF 92189F700 125 1,200 SH   DFND   1,200 0 0
VANECK VECTORS ETF JUNIOR GOLD MINE 92189F791 70 1,500 SH   DFND   1,500 0 0
VANGUARD S&P 500 ETF SHS 922908363 904 2,177 SH   DFND   1,691 0 486
VANGUARD S&P 500 ETF SHS 922908363 3,688 8,884 SH   SOLE   8,673 0 211
VANGUARD ETF/USA DIV APP ETF 921908844 162 1,000 SH   DFND   1,000 0 0
VANGUARD ETF/USA DIV APP ETF 921908844 32 200 SH   SOLE   200 0 0
VANGUARD ETF/USA VG TL INTL STK F 921909768 6 95 SH   DFND   0 0 95
VANGUARD ETF/USA LONG TERM BOND 921937793 7 78 SH   SOLE   78 0 0
VANGUARD ETF/USA STRM INFPROIDX 922020805 292 5,700 SH   DFND   5,700 0 0
VANGUARD ETF/USA STRM INFPROIDX 922020805 171 3,330 SH   SOLE   3,330 0 0
VANGUARD ETF/USA GLB EX US ETF 922042676 31 600 SH   DFND   600 0 0
VANGUARD ETF/USA SM CP VAL ETF 922908611 16 92 SH   SOLE   92 0 0
VANGUARD GROUP SHORT TRM BOND 921937827 6 78 SH   DFND   78 0 0
VANGUARD GROUP SHORT TRM BOND 921937827 62 797 SH   SOLE   797 0 0
VANGUARD GROUP INC/THE TOTAL INT BD ETF 92203J407 16 308 SH   SOLE   308 0 0
VANGUARD INTL EQUI FTSE EUROPE ETF 922042874 268 4,302 SH   SOLE   1,354 0 2,948
VANGUARD WHITEHALL HIGH DIV YLD 921946406 84 750 SH   SOLE   750 0 0
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603 194 1,000 SH   SOLE   1,000 0 0
VERIZON COMMUN COM 92343V104 2,072 40,679 SH   DFND   25,256 0 15,423
VERIZON COMMUN COM 92343V104 7,087 139,118 SH   SOLE   136,697 0 2,421
VERU INC COM 92536C103 1 300 SH   DFND   0 0 300
VF Corp COM 918204108 26 465 SH   DFND   465 0 0
VIATRIS INC COM 92556V106 28 2,599 SH   DFND   167 0 2,432
VIATRIS INC COM 92556V106 9 833 SH   SOLE   833 0 0
VISA INC COM CL A 92826C839 8 35 SH   DFND   0 0 35
VISA INC COM CL A 92826C839 375 1,690 SH   SOLE   1,690 0 0
VMware Inc CL A COM 928563402 28 250 SH   DFND   250 0 0
VMware Inc CL A COM 928563402 27 239 SH   SOLE   239 0 0
Valero Energy Corp COM 91913Y100 2 15 SH   DFND   15 0 0
Valvoline Inc COM 92047W101 298 9,444 SH   DFND   0 0 9,444
Van Eck Absolute Return Advisers Corp DIGI TRANSFRM 92189H821 6 400 SH   DFND   400 0 0
Van Eck Associates Corp GOLD MINERS ETF 92189F106 184 4,800 SH   DFND   4,800 0 0
Van Eck Associates Corp FALLEN ANGEL HG 92189F437 36 1,200 SH   DFND   0 0 1,200
Van Eck Associates Corp FALLEN ANGEL HG 92189F437 93 3,045 SH   SOLE   3,045 0 0
Van Eck Associates Corp RARE EARTH/STRTG 92189H805 118 1,000 SH   DFND   1,000 0 0
Vanguard ETF/USA 500 GRTH IDX F 921932505 1,668 6,052 SH   SOLE   6,052 0 0
Vanguard ETF/USA INTERMED TERM 921937819 8 94 SH   SOLE   94 0 0
Vanguard ETF/USA FTSE DEV MKT ETF 921943858 364 7,586 SH   DFND   7,586 0 0
Vanguard ETF/USA FTSE DEV MKT ETF 921943858 11,977 249,365 SH   SOLE   248,328 0 1,037
Vanguard ETF/USA ALLWRLD EX US 922042775 105 1,820 SH   SOLE   1,820 0 0
Vanguard ETF/USA FTSE EMR MKT ETF 922042858 5 100 SH   DFND   100 0 0
Vanguard ETF/USA FTSE EMR MKT ETF 922042858 19 415 SH   SOLE   415 0 0
Vanguard ETF/USA ENERGY ETF 92204A306 161 1,500 SH   DFND   1,500 0 0
Vanguard ETF/USA HEALTH CAR ETF 92204A504 76 300 SH   DFND   300 0 0
Vanguard ETF/USA HEALTH CAR ETF 92204A504 139 547 SH   SOLE   547 0 0
Vanguard ETF/USA INF TECH ETF 92204A702 125 300 SH   DFND   300 0 0
Vanguard ETF/USA UTILITIES ETF 92204A876 105 650 SH   DFND   650 0 0
Vanguard ETF/USA REAL ESTATE ETF 922908553 79 725 SH   DFND   300 0 425
Vanguard ETF/USA REAL ESTATE ETF 922908553 1,553 14,331 SH   SOLE   13,311 0 1,020
Vanguard ETF/USA SML CP GRW ETF 922908595 38 155 SH   SOLE   155 0 0
Vanguard ETF/USA MID CAP ETF 922908629 76 320 SH   DFND   150 0 170
Vanguard ETF/USA MID CAP ETF 922908629 662 2,785 SH   SOLE   2,785 0 0
Vanguard ETF/USA GROWTH ETF 922908736 47 164 SH   SOLE   164 0 0
Vanguard ETF/USA VALUE ETF 922908744 45 307 SH   SOLE   307 0 0
Vanguard ETF/USA SMALL CP ETF 922908751 152 715 SH   DFND   587 0 128
Vanguard ETF/USA SMALL CP ETF 922908751 1,490 7,012 SH   SOLE   6,968 0 44
Vanguard ETF/USA TOTAL STK MKT 922908769 1,020 4,479 SH   DFND   325 0 4,154
Vanguard ETF/USA TOTAL STK MKT 922908769 273 1,200 SH   SOLE   1,200 0 0
Vanguard Group Inc/The TOTAL BND MRKT 921937835 197 2,482 SH   DFND   1,716 0 766
Vanguard Group Inc/The TOTAL BND MRKT 921937835 6,224 78,244 SH   SOLE   75,639 0 2,605
Vanguard Group Inc/The MTG-BKD SECS ETF 92206C771 4 76 SH   SOLE   76 0 0
Veoneer Inc COM 92336X109 0 6 SH   DFND   0 0 6
Victoria's Secret & Co COMMON STOCK 926400102 5 100 SH   DFND   0 0 100
Vodafone Group PLC SPONSORED ADR 92857W308 68 4,100 SH   DFND   0 0 4,100
Vodafone Group PLC SPONSORED ADR 92857W308 25 1,500 SH   SOLE   1,500 0 0
Vontier Corp COM 928881101 7 270 SH   SOLE   270 0 0
Voya Investments LLC CORE S&P MCP ETF 464287507 1,639 6,107 SH   DFND   4,568 0 1,539
Voya Investments LLC CORE S&P MCP ETF 464287507 11,875 44,253 SH   SOLE   38,994 0 5,259
Voya Investments LLC CORE S&P US VLU 464287663 60 790 SH   SOLE   790 0 0
WASTE MANAGEMENT COM 94106L109 442 2,787 SH   DFND   771 0 2,016
WASTE MANAGEMENT COM 94106L109 8,229 51,921 SH   SOLE   51,261 0 660
WEC Energy Group Inc COM 92939U106 238 2,386 SH   DFND   1,886 0 500
WELLS FARGO & CO COM 949746101 69 1,420 SH   DFND   70 0 1,350
WELLS FARGO & CO COM 949746101 116 2,400 SH   SOLE   2,400 0 0
WESTN DIGITAL CORP COM 958102105 15 300 SH   DFND   0 0 300
WP Carey Inc COM 92936U109 33 406 SH   SOLE   406 0 0
WW Grainger Inc COM 384802104 284 550 SH   SOLE   550 0 0
Walgreens Boots Alliance Inc COM 931427108 29 647 SH   DFND   577 0 70
Walgreens Boots Alliance Inc COM 931427108 13 300 SH   SOLE   300 0 0
Walmart Inc COM 931142103 1,196 8,028 SH   DFND   1,097 0 6,931
Walmart Inc COM 931142103 9,574 64,291 SH   SOLE   62,988 0 1,303
Walt Disney Co/The COM 254687106 479 3,495 SH   DFND   0 0 3,495
Walt Disney Co/The COM 254687106 466 3,398 SH   SOLE   1,648 0 1,750
Webster Financial Corp COM 947890109 1,412 25,162 SH   DFND   0 0 25,162
Westinghouse Air Brake Technol COM 929740108 17 176 SH   DFND   66 0 110
Westinghouse Air Brake Technol COM 929740108 0 1 SH   SOLE   1 0 0
Westrock Co COM 96145D105 37 780 SH   DFND   0 0 780
Wheaton Precious Metals Corp COM 962879102 12 247 SH   DFND   0 0 247
Whirlpool Corp COM 963320106 66 383 SH   DFND   0 0 383
Willis Towers Watson PLC SHS G96629103 2 9 SH   DFND   9 0 0
WisdomTree Asset Management Inc EM EX ST-OWNED 97717X578 281 8,608 SH   DFND   7,433 0 1,175
WisdomTree Asset Management Inc EM EX ST-OWNED 97717X578 24,892 762,147 SH   SOLE   751,427 0 10,720
WisdomTree Asset Management Inc US QTLY DIV GRT 97717X669 48 750 SH   DFND   750 0 0
WisdomTree Asset Management Inc EUROPE HEDGED EQ 97717X701 57 780 SH   DFND   0 0 780
WisdomTree Asset Management Inc EUROPE HEDGED EQ 97717X701 151 2,054 SH   SOLE   2,054 0 0
WisdomTree ETFs/USA US TOTAL DIVIDND 97717W109 84 1,294 SH   SOLE   1,294 0 0
Wolfspeed Inc None 977852102 1 10 SH   DFND   0 0 10
Xylem Inc/NY COM 98419M100 34 400 SH   DFND   0 0 400
YUM BRANDS INC COM 988498101 178 1,500 SH   DFND   0 0 1,500
Yum China Holdings Inc COM 98850P109 42 1,000 SH   DFND   0 0 1,000
ZIMMER HLDGS INC COM 98956P102 55 430 SH   DFND   0 0 430
ZIMMER HLDGS INC COM 98956P102 31 245 SH   SOLE   245 0 0
iShares ETFs/USA MSCI PAC JP ETF 464286665 45 914 SH   SOLE   914 0 0
iShares ETFs/USA CORE US AGGBD ET 464287226 554 5,172 SH   DFND   0 0 5,172
iShares ETFs/USA CORE US AGGBD ET 464287226 3 31 SH   SOLE   31 0 0
iShares ETFs/USA RUS 2000 GRW ETF 464287648 827 3,234 SH   DFND   2,784 0 450
iShares ETFs/USA RUS 2000 GRW ETF 464287648 1,952 7,632 SH   SOLE   3,059 0 4,573
iShares ETFs/USA 3 7 YR TREAS BD 464288661 19 157 SH   DFND   0 0 157
iShares/USA MSCI SWITZERLAND 464286749 137 2,800 SH   DFND   2,800 0 0
iSun Inc COM 465246106 0 100 SH   DFND   0 0 100