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
AMCOR PLC FOREIGN EQUITIES G0250X107   37,828 4,020 SH   SOLE   4,020 0 0
EATON CORP PLC FOREIGN EQUITIES G29183103   29,867 90 SH   SOLE   90 0 0
EATON CORP PLC FOREIGN EQUITIES G29183103   477,878 1,440 SH   DFND   1,440 0 0
LINDE PLC FOREIGN EQUITIES G54950103   62,799 150 SH   SOLE   150 0 0
MEDTRONIC PLC FOREIGN EQUITIES G5960L103   31,872 399 SH   SOLE   399 0 0
WHITE MTNS INS GROUP LTD FOREIGN EQUITIES G9618E107   66,132 34 SH   SOLE   34 0 0
CHUBB LTD FOREIGN EQUITIES H1467J104   3,757,481 13,600 SH   SOLE   13,600 0 0
CHUBB LTD FOREIGN EQUITIES H1467J104   266,061 963 SH   DFND   963 0 0
CRISPR THERAPEUTICS AG FOREIGN EQUITIES H17182108   1,968 50 SH   SOLE   50 0 0
UBS GROUP AG FOREIGN EQUITIES H42097107   30,310 1,000 SH   DFND   1,000 0 0
AFLAC INC COMMON STOCK 001055102   28,239 273 SH   SOLE   273 0 0
AGCO CORP COMMON STOCK 001084102   9,348 100 SH   DFND   100 0 0
AT&T INC COMMON STOCK 00206R102   3,223,023 141,548 SH   SOLE   141,548 0 0
AT&T INC COMMON STOCK 00206R102   197,823 8,688 SH   DFND   8,688 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100   3,943,538 34,865 SH   SOLE   34,865 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100   552,876 4,888 SH   DFND   4,888 0 0
ABBVIE INC COMMON STOCK 00287Y109   7,305,406 41,111 SH   SOLE   41,111 0 0
ABBVIE INC COMMON STOCK 00287Y109   1,750,164 9,849 SH   DFND   9,849 0 0
ADOBE INC COMMON STOCK 00724F101   68,479 154 SH   SOLE   154 0 0
AIM IMMUNOTECH INC COMMON STOCK 00901B105   2,512 13,226 SH   SOLE   13,226 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106   2,210,577 7,622 SH   SOLE   7,622 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106   493,049 1,700 SH   DFND   1,700 0 0
ALBEMARLE CORP COMMON STOCK 012653101   44,331 515 SH   SOLE   515 0 0
ALBEMARLE CORP COMMON STOCK 012653101   189,376 2,200 SH   DFND   2,200 0 0
THE ALLSTATE CORPORATION COMMON STOCK 020002101   19,279 100 SH   DFND   100 0 0
ALPHABET INC CLASS C COMMON STOCK 02079K107   1,426,391 7,490 SH   SOLE   7,490 0 0
ALPHABET INC CLASS C COMMON STOCK 02079K107   66,654 350 SH   DFND   350 0 0
ALPHABET INC CLASS A COMMON STOCK 02079K305   6,517,202 34,428 SH   SOLE   34,428 0 0
ALPHABET INC CLASS A COMMON STOCK 02079K305   2,223,328 11,745 SH   DFND   11,745 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103   31,374 600 SH   SOLE   600 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103   33,988 650 SH   DFND   650 0 0
AMAZON.COM INC COMMON STOCK 023135106   6,588,882 30,033 SH   SOLE   30,033 0 0
AMAZON.COM INC COMMON STOCK 023135106   1,808,868 8,245 SH   DFND   8,245 0 0
AMEREN CORPORATION COMMON STOCK 023608102   222,671 2,498 SH   SOLE   2,498 0 0
AMENTUM HOLDINGS INC COMMON STOCK 023939101   3,153 150 SH   DFND   150 0 0
AVANTIS INTERNATIONAL ETF ETF/INTERNATIONAL EQUITY 025072802   1,169,868 17,976 SH   SOLE   17,944 0 32
AVANTIS INTERNATIONAL ETF ETF/INTERNATIONAL EQUITY 025072802   7,158 110 SH   DFND   110 0 0
AVANTIS US SMALLCAP VALUE ETF/EQUITY 025072877   2,807,563 29,085 SH   SOLE   29,062 0 23
AVANTIS US SMALLCAP VALUE ETF/EQUITY 025072877   7,529 78 SH   DFND   78 0 0
AMERICAN ELECTRIC POWER CO COMMON STOCK 025537101   3,206,962 34,772 SH   SOLE   34,772 0 0
AMERICAN ELECTRIC POWER CO COMMON STOCK 025537101   336,174 3,645 SH   DFND   3,645 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109   1,718,349 5,790 SH   SOLE   5,790 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109   36,206 122 SH   DFND   122 0 0
AMERICAN TOWER CORP COMMON STOCK 03027X100   560,317 3,055 SH   SOLE   3,055 0 0
AMERICAN TOWER CORP COMMON STOCK 03027X100   183,410 1,000 SH   DFND   1,000 0 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103   124,490 1,000 SH   SOLE   1,000 0 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103   124,490 1,000 SH   DFND   1,000 0 0
AMETEK INC COMMON STOCK 031100100   504,728 2,800 SH   SOLE   2,800 0 0
AMETEK INC COMMON STOCK 031100100   360,520 2,000 SH   DFND   2,000 0 0
AMGEN INC COMMON STOCK 031162100   3,336,790 12,803 SH   SOLE   12,803 0 0
AMGEN INC COMMON STOCK 031162100   782,146 3,001 SH   DFND   3,001 0 0
ELEVANCE HEALTH INC COMMON STOCK 036752103   2,137,660 5,795 SH   SOLE   5,795 0 0
ELEVANCE HEALTH INC COMMON STOCK 036752103   84,840 230 SH   DFND   230 0 0
APOLLO COMM REAL ESTATE COMMON STOCK 03762U105   17,320 2,000 SH   DFND   2,000 0 0
APPLE INC COMMON STOCK 037833100   96,711,652 386,198 SH   SOLE   386,198 0 0
APPLE INC COMMON STOCK 037833100   1,076,802 4,300 SH   DFND   4,300 0 0
ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102   1,448,147 28,665 SH   SOLE   28,665 0 0
ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102   50,823 1,006 SH   DFND   1,006 0 0
ARES CAPITAL CORPORATION COMMON STOCK 04010L103   21,880 1,000 SH   SOLE   1,000 0 0
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103   3,209,067 10,963 SH   SOLE   10,963 0 0
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103   280,717 959 SH   DFND   959 0 0
BCE INC FOREIGN EQUITIES 05534B760   7,881 340 SH   DFND   340 0 0
BP PLC ADR FOREIGN EQUITIES 055622104   14,775 500 SH   DFND   500 0 0
BANK OF AMERICA CORPORATION COMMON STOCK 060505104   644,391 14,662 SH   SOLE   14,662 0 0
BANK OF AMERICA CORPORATION COMMON STOCK 060505104   90,097 2,050 SH   DFND   2,050 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100   9,603 125 SH   SOLE   125 0 0
BARRICK GOLD CORPORATION FOREIGN EQUITIES 067901108   3,100 200 SH   SOLE   200 0 0
BAXTER INTERNATIONAL INC COMMON STOCK 071813109   23,320 800 SH   SOLE   800 0 0
BECTON DICKINSON AND COMPANY COMMON STOCK 075887109   731,655 3,225 SH   SOLE   3,225 0 0
BERKSHIRE HATHAWAY INC B COMMON STOCK 084670702   344,485 760 SH   SOLE   760 0 0
BHP GROUP LTD ADR FOREIGN EQUITIES 088606108   53,713 1,100 SH   SOLE   1,100 0 0
BHP GROUP LTD ADR FOREIGN EQUITIES 088606108   7,324 150 SH   DFND   150 0 0
BLACKBERRY LTD NPV FOREIGN EQUITIES 09228F103   312 83 SH   DFND   83 0 0
BLACKROCK INC COMMON STOCK 09290D101   1,153,236 1,125 SH   SOLE   1,125 0 0
BLACKROCK INC COMMON STOCK 09290D101   686,817 670 SH   DFND   670 0 0
BNY MELLON GLOBAL INFRASTRUCTURE ETF ETF/EQUITY 09661T826   1,305,893 43,328 SH   SOLE   43,294 0 34
BNY MELLON GLOBAL INFRASTRUCTURE ETF ETF/EQUITY 09661T826   3,556 118 SH   DFND   118 0 0
BOEING COMPANY COMMON STOCK 097023105   106,200 600 SH   SOLE   600 0 0
BOEING COMPANY COMMON STOCK 097023105   35,400 200 SH   DFND   200 0 0
BORGWARNER INC COMMON STOCK 099724106   662,176 20,830 SH   SOLE   20,830 0 0
BORGWARNER INC COMMON STOCK 099724106   7,947 250 SH   DFND   250 0 0
BRISTOL MYERS SQUIBB COMPANY COMMON STOCK 110122108   7,012,510 123,984 SH   SOLE   123,984 0 0
BRISTOL MYERS SQUIBB COMPANY COMMON STOCK 110122108   5,596,214 98,943 SH   DFND   98,943 0 0
BROADCOM INC COMMON STOCK 11135F101   8,067,562 34,798 SH   SOLE   34,798 0 0
BROADCOM INC COMMON STOCK 11135F101   3,389,500 14,620 SH   DFND   14,620 0 0
BROOKFIELD CORP NPV FOREIGN EQUITIES 11271J107   87,783 1,528 SH   DFND   1,528 0 0
BROOKFIELD ASSET MGMT LTD FOREIGN EQUITIES 113004105   20,696 382 SH   DFND   382 0 0
CIGNA GROUP COMMON STOCK 125523100   110,452 400 SH   SOLE   400 0 0
CSX CORP COMMON STOCK 126408103   680,897 21,100 SH   SOLE   21,100 0 0
CSX CORP COMMON STOCK 126408103   1,241,749 38,480 SH   DFND   38,480 0 0
CVS HEALTH CORP COMMON STOCK 126650100   1,307,386 29,131 SH   SOLE   29,131 0 0
CVS HEALTH CORP COMMON STOCK 126650100   63,280 1,410 SH   DFND   1,410 0 0
CARDINAL HEALTH INC COMMON STOCK 14149Y108   8,515 72 SH   SOLE   72 0 0
CARRIER GLOBAL CORPORATION COMMON STOCK 14448C104   625,942 9,170 SH   SOLE   9,170 0 0
CARRIER GLOBAL CORPORATION COMMON STOCK 14448C104   52,901 775 SH   DFND   775 0 0
CATERPILLAR INC COMMON STOCK 149123101   5,706,211 15,730 SH   SOLE   15,730 0 0
CATERPILLAR INC COMMON STOCK 149123101   328,297 905 SH   DFND   905 0 0
CEL SCI CORP COMMON STOCK 150837607   195 500 SH   SOLE   500 0 0
CHEVRON CORP COMMON STOCK 166764100   4,233,075 29,226 SH   SOLE   29,226 0 0
CHEVRON CORP COMMON STOCK 166764100   722,314 4,987 SH   DFND   4,987 0 0
CHIPOTLE MEXICAN GRILL COMMON STOCK 169656105   563,395 9,345 SH   SOLE   9,345 0 0
CHIPOTLE MEXICAN GRILL COMMON STOCK 169656105   36,173 600 SH   DFND   600 0 0
CHURCH & DWIGHT CO INC COMMON STOCK 171340102   209,420 2,000 SH   SOLE   2,000 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102   8,412,494 142,103 SH   SOLE   142,103 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102   1,599,464 27,018 SH   DFND   27,018 0 0
COCA COLA COMPANY COMMON STOCK 191216100   5,812,508 93,359 SH   SOLE   93,359 0 0
COCA COLA COMPANY COMMON STOCK 191216100   422,184 6,781 SH   DFND   6,781 0 0
COHERENT CORP COMMON STOCK 19247G107   18,946 200 SH   DFND   200 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103   1,554,390 17,100 SH   SOLE   17,100 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103   36,360 400 SH   DFND   400 0 0
COMCAST CORP CLASS A COMMON STOCK 20030N101   815,157 21,726 SH   SOLE   21,726 0 0
COMCAST CORP CLASS A COMMON STOCK 20030N101   37,520 1,000 SH   DFND   1,000 0 0
COMMUNITY FINANCIAL SYS INC COMMON STOCK 203607106   376,371 6,102 SH   SOLE   6,102 0 0
COMMUNITY FINANCIAL SYS INC COMMON STOCK 203607106   6,775,363 109,847 SH   DFND   109,847 0 0
CONAGRA FOODS INC COMMON STOCK 205887102   1,321,762 47,632 SH   SOLE   47,632 0 0
CONAGRA FOODS INC COMMON STOCK 205887102   72,149 2,600 SH   DFND   2,600 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104   1,136,080 11,456 SH   SOLE   11,456 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104   20,429 206 SH   DFND   206 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104   231,997 2,600 SH   DFND   2,600 0 0
CONSTELLATION BRANDS INC COMMON STOCK 21036P108   221,000 1,000 SH   SOLE   1,000 0 0
CONSTELLATION BRANDS INC COMMON STOCK 21036P108   221,000 1,000 SH   DFND   1,000 0 0
CONSTELLATION ENERGY CORP COMMON STOCK 21037T109   63,085 282 SH   DFND   282 0 0
CORNING INC COMMON STOCK 219350105   4,205,882 88,508 SH   SOLE   88,508 0 0
CORNING INC COMMON STOCK 219350105   177,962 3,745 SH   DFND   3,745 0 0
CORTEVA INC COMMON STOCK 22052L104   25,057 440 SH   SOLE   440 0 0
CORTEVA INC COMMON STOCK 22052L104   4,271 75 SH   DFND   75 0 0
COUPANG INC CL A FOREIGN EQUITIES 22266T109   4,394 200 SH   DFND   200 0 0
CROCS INC COMMON STOCK 227046109   60,241 550 SH   SOLE   550 0 0
CROSSAMERICA PTN LP UT LTD COMMON STOCK 22758A105   11,000 500 SH   SOLE   500 0 0
CUMMINS INC COMMON STOCK 231021106   3,165,526 9,081 SH   SOLE   9,081 0 0
CUMMINS INC COMMON STOCK 231021106   780,840 2,240 SH   DFND   2,240 0 0
DANAHER CORP COMMON STOCK 235851102   99,854 435 SH   SOLE   435 0 0
DEERE & COMPANY COMMON STOCK 244199105   1,730,366 4,084 SH   SOLE   4,084 0 0
DEERE & COMPANY COMMON STOCK 244199105   208,458 492 SH   DFND   492 0 0
DIGI INTL INC COMMON STOCK 253798102   12,088 400 SH   DFND   400 0 0
TRUMP MEDIA & TECH GROUP COMMON STOCK 25400Q105   14,488 425 SH   SOLE   425 0 0
DIME CMNTY BANCSHARES INC COMMON STOCK 25432X102   6,146 200 SH   SOLE   200 0 0
WALT DISNEY CO COMMON STOCK 254687106   2,458,131 22,076 SH   SOLE   22,076 0 0
WALT DISNEY CO COMMON STOCK 254687106   106,000 952 SH   DFND   952 0 0
DOLLAR GENERAL CORP COMMON STOCK 256677105   18,194 240 SH   DFND   240 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109   18,851 350 SH   SOLE   350 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109   27,306 507 SH   DFND   507 0 0
DORCHESTER MINERALS LP COMMON STOCK 25820R105   1,666,332 50,010 SH   SOLE   50,010 0 0
DOW INC COMMON STOCK 260557103   1,321,729 32,937 SH   SOLE   32,937 0 0
DOW INC COMMON STOCK 260557103   70,703 1,762 SH   DFND   1,762 0 0
DRAFTKINGS INC CL A COMMON STOCK 26142V105   7,440 200 SH   SOLE   200 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204   2,908 27 SH   SOLE   27 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102   2,239,654 29,373 SH   SOLE   29,373 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102   151,657 1,989 SH   DFND   1,989 0 0
EOG RESOURCES INC COMMON STOCK 26875P101   1,478,538 12,062 SH   SOLE   12,062 0 0
EOG RESOURCES INC COMMON STOCK 26875P101   47,805 390 SH   DFND   390 0 0
EQT CORPORATION COMMON STOCK 26884L109   8,069 175 SH   DFND   175 0 0
EASTMAN CHEMICAL CO COMMON STOCK 277432100   28,853 316 SH   SOLE   316 0 0
ECOLAB INC COMMON STOCK 278865100   234,320 1,000 SH   SOLE   1,000 0 0
EDISON INTL COMMON STOCK 281020107   297,563 3,727 SH   DFND   3,727 0 0
EMERSON ELECTRIC CO COMMON STOCK 291011104   5,989,967 48,334 SH   SOLE   48,334 0 0
EMERSON ELECTRIC CO COMMON STOCK 291011104   738,369 5,958 SH   DFND   5,958 0 0
ENBRIDGE INC FOREIGN EQUITIES 29250N105   1,654 39 SH   SOLE   39 0 0
ENBRIDGE INC FOREIGN EQUITIES 29250N105   44,509 1,049 SH   DFND   1,049 0 0
ENERGY TRANSFER EQUITY LP COMMON STOCK 29273V100   33,303 1,700 SH   DFND   1,700 0 0
ENTERPRISE PRODS PARTNERS LP COMMON STOCK 293792107   34,433 1,098 SH   SOLE   1,098 0 0
EQUIFAX INC COMMON STOCK 294429105   649,867 2,550 SH   SOLE   2,550 0 0
EQUIFAX INC COMMON STOCK 294429105   254,850 1,000 SH   DFND   1,000 0 0
ESCO TECHNOLOGIES COMMON STOCK 296315104   11,189 84 SH   DFND   84 0 0
ESSENTIAL UTILITIES INC COMMON STOCK 29670G102   778,796 21,449 SH   SOLE   21,449 0 0
ESSENTIAL UTILITIES INC COMMON STOCK 29670G102   78,972 2,175 SH   DFND   2,175 0 0
EXELON CORP COMMON STOCK 30161N101   622,807 16,551 SH   SOLE   16,551 0 0
EXELON CORP COMMON STOCK 30161N101   92,568 2,460 SH   DFND   2,460 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102   5,132,343 47,712 SH   SOLE   47,712 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102   1,002,869 9,323 SH   DFND   9,323 0 0
META PLATFORMS INC COMMON STOCK 30303M102   163,942 280 SH   DFND   280 0 0
FEDEX CORP COMMON STOCK 31428X106   11,252 40 SH   SOLE   40 0 0
FIDELITY NATL INFORMATION SV COMMON STOCK 31620M106   80,770 1,000 SH   SOLE   1,000 0 0
FIDELITY NATL INFORMATION SV COMMON STOCK 31620M106   80,770 1,000 SH   DFND   1,000 0 0
FIFTH THIRD BANCORP COMMON STOCK 316773100   27,686 655 SH   DFND   655 0 0
FINANCIAL INSTITUTIONS INC COMMON STOCK 317585404   6,822 250 SH   SOLE   250 0 0
FIRST SOLAR, INC. COMMON STOCK 336433107   881,200 5,000 SH   DFND   5,000 0 0
FLEXSHARES GLOBAL UPSTREAM NATURAL RESOURCES ETF/INTERNATIONAL EQUITY 33939L407   1,416,183 38,949 SH   SOLE   38,949 0 0
FLEXSHARES GLOBAL UPSTREAM NATURAL RESOURCES ETF/INTERNATIONAL EQUITY 33939L407   56,358 1,550 SH   DFND   1,550 0 0
FORD MOTOR COMPANY COMMON STOCK 345370860   26,730 2,700 SH   SOLE   2,700 0 0
FORD MOTOR COMPANY COMMON STOCK 345370860   22,770 2,300 SH   DFND   2,300 0 0
FORTUNE BRANDS HOME & SEC COMMON STOCK 34964C106   32,798 480 SH   SOLE   480 0 0
FOX CORP COMMON STOCK 35137L105   267,190 5,500 SH   SOLE   5,500 0 0
FRANCO NEVADA CORP FOREIGN EQUITIES 351858105   15,521 132 SH   DFND   132 0 0
FRANKLIN FTSE CANADA ETF/INTERNATIONAL EQUITY 35473P827   2,808,967 76,769 SH   SOLE   76,684 0 85
FRANKLIN FTSE CANADA ETF/INTERNATIONAL EQUITY 35473P827   8,598 235 SH   DFND   235 0 0
FREEPORT MCMORAN INC COMMON STOCK 35671D857   1,231,842 32,358 SH   SOLE   32,358 0 0
FREEPORT MCMORAN INC COMMON STOCK 35671D857   39,021 1,025 SH   DFND   1,025 0 0
GABELLI MULTIMEDIA TR INC CLOSED END MUTUAL FUNDS 36239Q109   1,333 299 SH   DFND   299 0 0
GABELLI EQUITY TR INC CLOSED END MUTUAL FUNDS 362397101   5,380 1,000 SH   DFND   1,000 0 0
GABELLI UTILITY TRUST CLOSED END MUTUAL FUNDS 36240A101   1,656 330 SH   DFND   330 0 0
GABELLI HLTHCARE & WELLNESS CLOSED END MUTUAL FUNDS 36246K103   4,820 500 SH   SOLE   500 0 0
GE HEALTHCARE TECH COMMON STOCK 36266G107   24,386 312 SH   SOLE   312 0 0
GE HEALTHCARE TECH COMMON STOCK 36266G107   32,522 416 SH   DFND   416 0 0
GAP INC COMMON STOCK 364760108   29,619 1,254 SH   SOLE   1,254 0 0
GE VERNOVA INC COMMON STOCK 36828A101   96,040 292 SH   SOLE   292 0 0
GE VERNOVA INC COMMON STOCK 36828A101   111,173 338 SH   DFND   338 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108   1,428,323 5,421 SH   SOLE   5,421 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108   36,887 140 SH   DFND   140 0 0
GE AEROSPACE COMMON STOCK 369604301   196,142 1,176 SH   SOLE   1,176 0 0
GE AEROSPACE COMMON STOCK 369604301   226,332 1,357 SH   DFND   1,357 0 0
GENERAL MILLS INC COMMON STOCK 370334104   1,667,381 26,147 SH   SOLE   26,147 0 0
GENERAL MILLS INC COMMON STOCK 370334104   161,975 2,540 SH   DFND   2,540 0 0
GENERAL MOTORS CO COMMON STOCK 37045V100   10,654 200 SH   DFND   200 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103   455,198 4,928 SH   SOLE   4,928 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103   193,977 2,100 SH   DFND   2,100 0 0
GLOBAL X MLP ETF ETF/EQUITY 37954Y343   33,592 680 SH   SOLE   680 0 0
GLOBAL X 1-3 MNTH T-BILL ETF ETF/OTHER 37960A438   51,851 518 SH   SOLE   498 0 20
GOLDMAN SACHS ACCESS ULTRAST ETF/FIXED INCOME 381430230   100,400 2,000 SH   SOLE   2,000 0 0
GOLDMAN SACHS JUST US LARGE CAP EQUITY ETF ETF/EQUITY 381430396   8,728 105 SH   SOLE   105 0 0
HF SINCLAIR CORP COMMON STOCK 403949100   7,708 220 SH   SOLE   220 0 0
HARLEY DAVIDSON INC COMMON STOCK 412822108   6,026 200 SH   SOLE   200 0 0
HERCULES CAPITAL INC COMMON STOCK 427096508   12,556 625 SH   SOLE   625 0 0
HOME DEPOT INC COMMON STOCK 437076102   3,689,829 9,486 SH   SOLE   9,486 0 0
HOME DEPOT INC COMMON STOCK 437076102   31,117 80 SH   DFND   80 0 0
HONEYWELL INTL INC COMMON STOCK 438516106   2,585,510 11,446 SH   SOLE   11,446 0 0
HONEYWELL INTL INC COMMON STOCK 438516106   39,530 175 SH   DFND   175 0 0
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109   4,444,131 17,527 SH   SOLE   17,527 0 0
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109   550,225 2,170 SH   DFND   2,170 0 0
INFUSYSTEMS HOLDINGS INC COMMON STOCK 45685K102   8,450 1,000 SH   SOLE   1,000 0 0
INTEL CORP COMMON STOCK 458140100   121,843 6,080 SH   SOLE   6,080 0 0
INTEL CORP COMMON STOCK 458140100   9,218 460 SH   DFND   460 0 0
INTL BUSINESS MACHINES CORP COMMON STOCK 459200101   13,714,231 62,386 SH   SOLE   62,386 0 0
INTL BUSINESS MACHINES CORP COMMON STOCK 459200101   8,517,309 38,745 SH   DFND   38,745 0 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103   21,524 400 SH   SOLE   400 0 0
INVESCO QQQ TRUST ETF/EQUITY 46090E103   1,041,350 2,037 SH   SOLE   2,037 0 0
INVESCO QQQ TRUST ETF/EQUITY 46090E103   134,959 264 SH   DFND   264 0 0
INVESCO MUNICIPAL TRUST CLOSED END MUTUAL FUNDS 46131J103   39,240 4,000 SH   SOLE   4,000 0 0
INVESCO AEROSPACE & DEFENSE ETF ETF/EQUITY 46137V100   550,704 4,800 SH   DFND   4,800 0 0
INVESCO WILDERHILL CLEAN ENERGY ETF ETF/EQUITY 46137V134   6,460 323 SH   DFND   323 0 0
INVESCO BULLETSHS CORP ETF ETF/FIXED INCOME 46138J577   6,969 380 SH   SOLE   380 0 0
INVESCO BULLETSHARES 2028 CORP BOND ETF/FIXED INCOME 46138J643   62,070 3,085 SH   SOLE   3,085 0 0
INVESCO BULLETSHARES 2033 CORP BOND ETF ETF/FIXED INCOME 46139W825   55,646 2,700 SH   SOLE   2,700 0 0
ISHARES SILVER TRUST ETF/OTHER 46428Q109   19,740 750 SH   SOLE   750 0 0
ISHARES SILVER TRUST ETF/OTHER 46428Q109   35,795 1,360 SH   DFND   1,360 0 0
ISHARES GOLD TRUST ETF/OTHER 464285204   617,609 12,477 SH   SOLE   12,322 0 155
ISHARES MSCI CANADA ETF ETF/INTERNATIONAL EQUITY 464286509   806,324 20,014 SH   SOLE   20,014 0 0
ISHARES MSCI CANADA ETF ETF/INTERNATIONAL EQUITY 464286509   85,330 2,118 SH   DFND   2,118 0 0
ISHARES MSCI EUROZONE ETF ETF/INTERNATIONAL EQUITY 464286608   1,251,130 26,507 SH   SOLE   26,487 0 20
ISHARES CORE S&P 500 ETF ETF/EQUITY 464287200   57,302,295 97,342 SH   SOLE   97,342 0 0
ISHARES CORE S&P 500 ETF ETF/EQUITY 464287200   158,349 269 SH   DFND   269 0 0
ISHARES IBOXX $ INVMT GRADE CORP BOND ETF ETF/FIXED INCOME 464287242   10,684 100 SH   SOLE   100 0 0
ISHARES S&P 500 GROWTH ETF ETF/EQUITY 464287309   839,855 8,272 SH   SOLE   8,272 0 0
ISHARES GLOBAL HEALTHCARE ETF/EQUITY 464287325   33,785 393 SH   SOLE   393 0 0
ISHARES S&P 500 VALUE ETF ETF/EQUITY 464287408   778,789 4,080 SH   SOLE   4,080 0 0
ISHARES 20 plus YR TREAS BND ETF ETF/FIXED INCOME 464287432   16,243 186 SH   SOLE   0 0 186
ISHARES 7-10 YEAR TSY BOND ETF/FIXED INCOME 464287440   236,947 2,563 SH   SOLE   2,563 0 0
ISHARES 1-3 YR TREASURY BOND ETF/FIXED INCOME 464287457   2,034,769 24,824 SH   SOLE   24,824 0 0
ISHARES 1-3 YR TREASURY BOND ETF/FIXED INCOME 464287457   112,214 1,369 SH   DFND   1,369 0 0
ISHARES MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 464287465   2,110,409 27,912 SH   SOLE   27,912 0 0
ISHARES MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 464287465   210,799 2,788 SH   DFND   2,788 0 0
ISHARES RUSSELL MIDCAP VALUE ETF/EQUITY 464287473   4,494,295 34,748 SH   SOLE   34,748 0 0
ISHARES RUSSELL MIDCAP VALUE ETF/EQUITY 464287473   129,339 1,000 SH   DFND   1,000 0 0
ISHARES CORE S&P MIDCAP ETF ETF/EQUITY 464287507   9,996,994 160,440 SH   SOLE   160,350 0 90
ISHARES CORE S&P MIDCAP ETF ETF/EQUITY 464287507   173,219 2,780 SH   DFND   2,780 0 0
ISHARES RUSSELL 1000 VALUE ETF/EQUITY 464287598   5,162,130 27,884 SH   SOLE   27,759 0 125
ISHARES RUSSELL 1000 VALUE ETF/EQUITY 464287598   221,227 1,195 SH   DFND   1,195 0 0
ISHARES S&P MIDCAP 400 GROWTH ETF ETF/EQUITY 464287606   352,808 3,880 SH   SOLE   3,880 0 0
ISHARES S&P MIDCAP 400 GROWTH ETF ETF/EQUITY 464287606   15,003 165 SH   DFND   165 0 0
ISHARES RUSSELL 1000 GROWTH ETF ETF/EQUITY 464287614   8,809,212 21,937 SH   SOLE   21,892 0 45
ISHARES RUSSELL 1000 GROWTH ETF ETF/EQUITY 464287614   227,287 566 SH   DFND   566 0 0
ISHARES RUSSELL 2000 ETF ETF/EQUITY 464287655   1,342,757 6,077 SH   SOLE   6,077 0 0
ISHARES RUSSELL 2000 ETF ETF/EQUITY 464287655   90,370 409 SH   DFND   409 0 0
ISHARES CORE S&P SMALLCAP ETF ETF/EQUITY 464287804   13,248,890 114,988 SH   SOLE   114,959 0 29
ISHARES CORE S&P SMALLCAP ETF ETF/EQUITY 464287804   144,024 1,250 SH   DFND   1,250 0 0
ISHARES TR INDEX S&P SMLCP GROW ETF/EQUITY 464287887   21,659 160 SH   SOLE   160 0 0
ISHARES GLOBAL CLEAN ENERGY ETF/INTERNATIONAL EQUITY 464288224   22,760 2,000 SH   SOLE   2,000 0 0
ISHARES GLOBAL CLEAN ENERGY ETF/INTERNATIONAL EQUITY 464288224   6,828 600 SH   DFND   600 0 0
ISHARES MSCI ACWI EX US ETF ETF/INTERNATIONAL EQUITY 464288240   2,017,282 38,683 SH   SOLE   38,683 0 0
ISHARES MSCI ACWI EX US ETF ETF/INTERNATIONAL EQUITY 464288240   238,423 4,572 SH   DFND   4,572 0 0
ISHARES MSCI ACWI ETF ETF/EQUITY 464288257   1,351,250 11,500 SH   SOLE   11,500 0 0
ISHARES IBOXX $ HIGH YIELD CORP BOND ETF ETF/FIXED INCOME 464288513   75,187 956 SH   DFND   956 0 0
ISHARES TR BARCLYS MBS BD ETF/FIXED INCOME 464288588   1,506,655 16,434 SH   SOLE   16,089 0 345
ISHARES TR BARCLYS MBS BD ETF/FIXED INCOME 464288588   36,396 397 SH   DFND   397 0 0
ISHARES INTERMEDIATE CREDIT BOND ETF ETF/FIXED INCOME 464288638   24,102 468 SH   DFND   468 0 0
ISHARES SHORT TERM CORP BOND ETF/FIXED INCOME 464288646   98,230 1,900 SH   DFND   1,900 0 0
ISHARES US PREFERRED STOCK ETF/OTHER 464288687   3,144,686 100,055 SH   SOLE   100,055 0 0
ISHARES US PREFERRED STOCK ETF/OTHER 464288687   207,496 6,602 SH   DFND   6,602 0 0
ISHARES MSCI EAFE VALUE ETF ETF/INTERNATIONAL EQUITY 464288877   3,253 62 SH   SOLE   62 0 0
ISHARES CORE HIGH DIVIDEND ETF/EQUITY 46429B663   123,485 1,100 SH   SOLE   1,100 0 0
ISHARES EDGE MSCI MIN VOL USA ETF ETF/EQUITY 46429B697   241,863 2,724 SH   SOLE   2,724 0 0
ISHARES EDGE MSCI USA QUALITY FACTOR ETF ETF/EQUITY 46432F339   6,410 36 SH   SOLE   36 0 0
ISHARES CORE MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 46432F842   26,414,156 375,842 SH   SOLE   375,622 0 220
ISHARES CORE MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 46432F842   228,761 3,255 SH   DFND   3,255 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 46434G103   7,146,452 136,853 SH   SOLE   136,852 0 1
ISHARES CORE MSCI EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 46434G103   16,188 310 SH   DFND   310 0 0
ISHARES MSCI EM EX CHINA ETF/INTERNATIONAL EQUITY 46434G764   2,529,729 45,622 SH   SOLE   45,585 0 37
ISHARES MSCI EM EX CHINA ETF/INTERNATIONAL EQUITY 46434G764   3,327 60 SH   DFND   60 0 0
ISHARES ESG MSCI EM ETF ETF/INTERNATIONAL EQUITY 46434G863   364,168 10,910 SH   SOLE   10,767 0 143
ISHARES MSCI ACWI LOW CARBON ETF/EQUITY 46434V464   3,291 17 SH   SOLE   17 0 0
ISHARES ESG USD CORP BOND ETF/FIXED INCOME 46435G193   3,315 146 SH   SOLE   146 0 0
ISHARES TR ESG AWRE 1 5 YR ETF/FIXED INCOME 46435G243   1,852 75 SH   SOLE   75 0 0
ISHARES TR ESG MSCI USA ETF (ESGU) ETF/EQUITY 46435G425   16,102 125 SH   SOLE   125 0 0
ISHARES ESG MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 46435G516   395,796 5,199 SH   SOLE   5,199 0 0
ISHARES ESG AWARE MSCI SMALLCAP ETF ETF/EQUITY 46435U663   2,144 51 SH   SOLE   51 0 0
ISHARES IBONDS DEC 2030 TERM TSY ETF ETF/FIXED INCOME 46436E593   90,193 4,700 SH   SOLE   4,700 0 0
ISHARES 0-3 MONTH TREASURY ETF/FIXED INCOME 46436E718   163,718 1,632 SH   SOLE   1,632 0 0
JPMORGAN CHASE & CO COMMON STOCK 46625H100   16,752,007 69,885 SH   SOLE   69,885 0 0
JPMORGAN CHASE & CO COMMON STOCK 46625H100   1,422,907 5,936 SH   DFND   5,936 0 0
JABIL CIRCUIT INC. COMMON STOCK 466313103   28,780 200 SH   SOLE   200 0 0
JPMORGAN EQUITY PREMIUM INC ETF/EQUITY 46641Q332   9,146,189 159,009 SH   SOLE   158,824 0 185
JPMORGAN EQUITY PREMIUM INC ETF/EQUITY 46641Q332   17,831 310 SH   DFND   310 0 0
JACOBS SOLUTIONS INC COMMON STOCK 46982L108   20,043 150 SH   DFND   150 0 0
JANUS HENDERSON SECURITIZED INCOME ETF ETF/FIXED INCOME 47103U746   523,475 10,104 SH   SOLE   9,990 0 114
JANUS HENDERSON SECURITIZED INCOME ETF ETF/FIXED INCOME 47103U746   9,325 180 SH   DFND   180 0 0
JANUS DETROIT STREET TR HENDERSON AAA CLO ETF/FIXED INCOME 47103U845   1,124,923 22,188 SH   SOLE   21,918 0 270
JANUS DETROIT STREET TR HENDERSON AAA CLO ETF/FIXED INCOME 47103U845   16,477 325 SH   DFND   325 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104   5,453,707 37,711 SH   SOLE   37,711 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104   1,172,862 8,110 SH   DFND   8,110 0 0
KELLANOVA COMPANY COMMON STOCK 487836108   64,614 798 SH   SOLE   798 0 0
KENVUE INC COMMON STOCK 49177J102   1,675,961 78,537 SH   SOLE   78,537 0 0
KENVUE INC COMMON STOCK 49177J102   167,196 7,835 SH   DFND   7,835 0 0
KEYCORP COMMON STOCK 493267108   8,565 500 SH   SOLE   500 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103   1,133,885 8,653 SH   SOLE   8,653 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103   73,382 560 SH   DFND   560 0 0
KINDER MORGAN INC COMMON STOCK 49456B101   1,587,780 57,970 SH   SOLE   57,970 0 0
KINDER MORGAN INC COMMON STOCK 49456B101   151,739 5,540 SH   DFND   5,540 0 0
KRAFT HEINZ COMPANY COMMON STOCK 500754106   71,623 2,333 SH   DFND   2,333 0 0
KYNDRYL HOLDINGS INC COMMON STOCK 50155Q100   345 10 SH   SOLE   10 0 0
LAM RESEARCH CORP COMMON STOCK 512807306   1,980,189 27,419 SH   SOLE   27,419 0 0
LAM RESEARCH CORP COMMON STOCK 512807306   149,494 2,070 SH   DFND   2,070 0 0
ESTEE LAUDER COMP INC CL A COMMON STOCK 518439104   7,497 100 SH   SOLE   100 0 0
LENNAR CORP CL A COMMON STOCK 526057104   611,728 4,486 SH   SOLE   4,486 0 0
LENNAR CORP CL A COMMON STOCK 526057104   77,593 569 SH   DFND   569 0 0
LIBERTY ALL STAR EQUITY FD CLOSED END MUTUAL FUNDS 530158104   16,693 2,402 SH   DFND   2,402 0 0
ELI LILLY AND COMPANY COMMON STOCK 532457108   1,689,908 2,189 SH   SOLE   2,189 0 0
ELI LILLY AND COMPANY COMMON STOCK 532457108   641,532 831 SH   DFND   831 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109   2,717,828 5,593 SH   SOLE   5,593 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109   464,068 955 SH   DFND   955 0 0
LOEWS CORP COMMON STOCK 540424108   110,097 1,300 SH   DFND   1,300 0 0
LOWES COMPANIES INC COMMON STOCK 548661107   4,659,086 18,878 SH   SOLE   18,878 0 0
LOWES COMPANIES INC COMMON STOCK 548661107   321,580 1,303 SH   DFND   1,303 0 0
M & T BANK CORP COMMON STOCK 55261F104   294,611 1,567 SH   SOLE   1,567 0 0
M & T BANK CORP COMMON STOCK 55261F104   31,585 168 SH   DFND   168 0 0
MARATHON PETROLEUM CORP COMMON STOCK 56585A102   47,988 344 SH   DFND   344 0 0
MASTERCARD INC CLASS A COMMON STOCK 57636Q104   1,108,412 2,105 SH   SOLE   2,105 0 0
MASTERCARD INC CLASS A COMMON STOCK 57636Q104   28,961 55 SH   DFND   55 0 0
MCDONALDS CORP COMMON STOCK 580135101   3,928,435 13,552 SH   SOLE   13,552 0 0
MCDONALDS CORP COMMON STOCK 580135101   197,984 683 SH   DFND   683 0 0
MCKESSON CORP COMMON STOCK 58155Q103   427,425 750 SH   SOLE   750 0 0
MCKESSON CORP COMMON STOCK 58155Q103   319,144 560 SH   DFND   560 0 0
MEDICAL PPTYS TRUST INC COMMON STOCK 58463J304   7,900 2,000 SH   SOLE   2,000 0 0
MEDPACE HOLDINGS INC COMMON STOCK 58506Q109   13,288 40 SH   SOLE   40 0 0
MERCK & COMPANY INC COMMON STOCK 58933Y105   9,461,605 95,111 SH   SOLE   95,111 0 0
MERCK & COMPANY INC COMMON STOCK 58933Y105   1,541,636 15,497 SH   DFND   15,497 0 0
METLIFE INC COMMON STOCK 59156R108   639,396 7,809 SH   SOLE   7,809 0 0
METLIFE INC COMMON STOCK 59156R108   58,134 710 SH   DFND   710 0 0
METTLER-TOLEDO INTL COMMON STOCK 592688105   489,468 400 SH   SOLE   400 0 0
METTLER-TOLEDO INTL COMMON STOCK 592688105   122,367 100 SH   DFND   100 0 0
MICROSOFT CORP COMMON STOCK 594918104   23,489,293 55,728 SH   SOLE   55,728 0 0
MICROSOFT CORP COMMON STOCK 594918104   2,477,150 5,877 SH   DFND   5,877 0 0
MICRON TECHNOLOGY COMMON STOCK 595112103   21,037 250 SH   SOLE   250 0 0
MODERNA INC COMMON STOCK 60770K107   2,078 50 SH   SOLE   50 0 0
MOLINA HEALTHCARE INC COMMON STOCK 60855R100   14,552 50 SH   SOLE   50 0 0
MONDELEZ INTL INC CL A COMMON STOCK 609207105   269,994 4,521 SH   SOLE   4,521 0 0
MONDELEZ INTL INC CL A COMMON STOCK 609207105   125,412 2,100 SH   DFND   2,100 0 0
MORGAN STANLEY COMMON STOCK 617446448   2,793,238 22,218 SH   SOLE   22,218 0 0
MORGAN STANLEY COMMON STOCK 617446448   47,145 375 SH   DFND   375 0 0
MURPHY OIL CORPORATION COMMON STOCK 626717102   9,922 328 SH   SOLE   328 0 0
MURPHY USA INC COMMON STOCK 626755102   41,143 82 SH   SOLE   82 0 0
NBT BANCORP INC COMMON STOCK 628778102   524,629 10,987 SH   SOLE   10,987 0 0
NBT BANCORP INC COMMON STOCK 628778102   372,832 7,808 SH   DFND   7,808 0 0
NATIONAL FUEL GAS COMPANY COMMON STOCK 636180101   406,556 6,700 SH   SOLE   6,700 0 0
NATIONAL FUEL GAS COMPANY COMMON STOCK 636180101   6,068 100 SH   DFND   100 0 0
NATIONAL GRID PLC ADR FOREIGN EQUITIES 636274409   63,756 1,073 SH   DFND   1,073 0 0
NETFLIX INC COMMON STOCK 64110L106   311,962 350 SH   SOLE   350 0 0
NEW YORK COMMUNITY BANCORP COMMON STOCK 649445400   541 58 SH   DFND   58 0 0
NEXSTAR MEDIA GROUP INC COMMON STOCK 65336K103   7,898 50 SH   SOLE   50 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101   2,610,057 36,408 SH   SOLE   36,408 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101   1,302,962 18,175 SH   DFND   18,175 0 0
NIKE INC CLASS B COMMON STOCK 654106103   1,390,806 18,380 SH   SOLE   18,380 0 0
NIKE INC CLASS B COMMON STOCK 654106103   34,808 460 SH   DFND   460 0 0
NOKIA CORP ADR FOREIGN EQUITIES 654902204   13 3 SH   SOLE   3 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108   1,233,347 5,255 SH   SOLE   5,255 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108   258,170 1,100 SH   DFND   1,100 0 0
NORTHROP GRUMMAN CORP COMMON STOCK 666807102   93,856 200 SH   DFND   200 0 0
NORWOOD FINANCIAL CORP COMMON STOCK 669549107   96,560 3,550 SH   SOLE   3,550 0 0
NOVARTIS AG ADR FOREIGN EQUITIES 66987V109   158,420 1,628 SH   SOLE   1,628 0 0
NUCOR CORP COMMON STOCK 670346105   3,344,992 28,661 SH   SOLE   28,661 0 0
NUCOR CORP COMMON STOCK 670346105   675,865 5,791 SH   DFND   5,791 0 0
NVIDIA CORPORATION COMMON STOCK 67066G104   6,963,718 51,856 SH   SOLE   51,856 0 0
NVIDIA CORPORATION COMMON STOCK 67066G104   818,495 6,095 SH   DFND   6,095 0 0
NUVEEN AMT FREE MUNI CR INC CLOSED END MUTUAL FUNDS 67071L106   61,300 5,000 SH   SOLE   5,000 0 0
OAKTREE SPECIALTY LENDING COMMON STOCK 67401P405   15,280 1,000 SH   SOLE   1,000 0 0
OCCIDENTAL PETE CORP star W EXP 08/03/2027 WARRANTS & RIGHTS 674599162   385 14 SH   SOLE   14 0 0
OMNICOM GROUP INC COMMON STOCK 681919106   3,426,527 39,825 SH   SOLE   39,825 0 0
OMNICOM GROUP INC COMMON STOCK 681919106   171,219 1,990 SH   DFND   1,990 0 0
ONEOK INC COMMON STOCK 682680103   39,557 394 SH   SOLE   394 0 0
OPEN LENDING CORP COMMON STOCK 68373J104   1,194 200 SH   SOLE   200 0 0
ORACLE CORP COMMON STOCK 68389X105   366,274 2,198 SH   SOLE   2,198 0 0
ORGANON & CO COMMON STOCK 68622V106   119 8 SH   DFND   8 0 0
OTIS WORLDWIDE CORP COMMON STOCK 68902V107   6,945 75 SH   SOLE   75 0 0
OTIS WORLDWIDE CORP COMMON STOCK 68902V107   30,098 325 SH   DFND   325 0 0
PNC FINL SVCS GROUP INC COMMON STOCK 693475105   2,155,092 11,175 SH   SOLE   11,175 0 0
PNC FINL SVCS GROUP INC COMMON STOCK 693475105   87,746 455 SH   DFND   455 0 0
PPG INDUSTRIES INC COMMON STOCK 693506107   11,945 100 SH   SOLE   100 0 0
PALO ALTO NETWORKS INC COMMON STOCK 697435105   867,201 4,766 SH   SOLE   4,766 0 0
PALO ALTO NETWORKS INC COMMON STOCK 697435105   83,700 460 SH   DFND   460 0 0
PAYCHEX INC COMMON STOCK 704326107   210,330 1,500 SH   SOLE   1,500 0 0
PAYCHEX INC COMMON STOCK 704326107   80,625 575 SH   DFND   575 0 0
PEOPLES FINL SVCS CORP COMMON STOCK 711040105   62,336 1,218 SH   SOLE   1,218 0 0
PEPSICO INC COMMON STOCK 713448108   8,623,250 56,710 SH   SOLE   56,710 0 0
PEPSICO INC COMMON STOCK 713448108   916,302 6,026 SH   DFND   6,026 0 0
PFIZER INC COMMON STOCK 717081103   1,886,775 71,146 SH   SOLE   71,146 0 0
PFIZER INC COMMON STOCK 717081103   180,492 6,806 SH   DFND   6,806 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109   132,385 1,100 SH   SOLE   1,100 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109   82,921 689 SH   DFND   689 0 0
PHILLIPS 66 COMMON STOCK 718546104   2,226,708 19,545 SH   SOLE   19,545 0 0
PHILLIPS 66 COMMON STOCK 718546104   69,724 612 SH   DFND   612 0 0
PIMCO ENHANCED LOW DURATION ETF/FIXED INCOME 72201R718   94,990 1,000 SH   SOLE   1,000 0 0
PLAINS ALL AMERICAN PIPELINE COMMON STOCK 726503105   51,210 3,000 SH   DFND   3,000 0 0
PLUG POWER INC COMMON STOCK 72919P202   2,120 1,000 SH   DFND   1,000 0 0
POSTAL REALTY TRUST INC CL A COMMON STOCK 73757R102   6,525 500 SH   SOLE   500 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109   7,847,956 46,812 SH   SOLE   46,812 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109   915,868 5,463 SH   DFND   5,463 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102   6,874 58 SH   SOLE   58 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102   25,483 215 SH   DFND   215 0 0
PUBLIC SVC ENTERPRISE GROUP COMMON STOCK 744573106   4,510,531 53,386 SH   SOLE   53,386 0 0
PUBLIC SVC ENTERPRISE GROUP COMMON STOCK 744573106   991,315 11,733 SH   DFND   11,733 0 0
PULTE GROUP INC COMMON STOCK 745867101   22,869 210 SH   DFND   210 0 0
QUALCOMM INC COMMON STOCK 747525103   4,346,953 28,297 SH   SOLE   28,297 0 0
QUALCOMM INC COMMON STOCK 747525103   451,642 2,940 SH   DFND   2,940 0 0
RTX CORP COMMON STOCK 75513E101   3,855,658 33,319 SH   SOLE   33,319 0 0
RTX CORP COMMON STOCK 75513E101   419,482 3,625 SH   DFND   3,625 0 0
REALTY INCOME CORP COMMON STOCK 756109104   10,680 200 SH   SOLE   200 0 0
REDDIT CLASS A COMMON STOCK 75734B100   13,075 80 SH   DFND   80 0 0
REGULUS THERAPEUTICS INC COMMON STOCK 75915K309   1,083 690 SH   SOLE   690 0 0
REPUBLIC SERVICES INC COMMON STOCK 760759100   20,118 100 SH   SOLE   100 0 0
RIBBONS COMMUNICATIONS INC COMMON STOCK 762544104   5,824 1,400 SH   SOLE   1,400 0 0
ROCKWELL AUTOMATION INC COMMON STOCK 773903109   28,578 100 SH   DFND   100 0 0
ROPER INDS INC COMMON STOCK 776696106   225,090 433 SH   SOLE   433 0 0
ROYAL BANK OF CANADA FOREIGN EQUITIES 780087102   770,058 6,390 SH   SOLE   6,390 0 0
ROYAL BANK OF CANADA FOREIGN EQUITIES 780087102   156,420 1,298 SH   DFND   1,298 0 0
S&P GLOBAL INC COMMON STOCK 78409V104   321,222 645 SH   SOLE   645 0 0
S&P GLOBAL INC COMMON STOCK 78409V104   152,393 306 SH   DFND   306 0 0
SPDR S&P 500 ETF ETF/EQUITY 78462F103   9,246,555 15,777 SH   SOLE   15,777 0 0
SPDR S&P 500 ETF ETF/EQUITY 78462F103   410,840 701 SH   DFND   701 0 0
SPDR GOLD SHARES ETF/OTHER 78463V107   24,213 100 SH   SOLE   100 0 0
SPDR GOLD SHARES ETF/OTHER 78463V107   1,022,999 4,225 SH   DFND   4,225 0 0
SPDR INTERM CORP BOND ETF ETF/FIXED INCOME 78464A375   871,306 26,605 SH   SOLE   26,180 0 425
SPDR INTERM CORP BOND ETF ETF/FIXED INCOME 78464A375   20,796 635 SH   DFND   635 0 0
SPDR PORTFOLIO S&P500 GROWTH ETF/EQUITY 78464A409   565,280 6,431 SH   SOLE   6,431 0 0
SPDR PORTFOLIO S&P 500 VALUE ETF/EQUITY 78464A508   559,921 10,951 SH   SOLE   10,951 0 0
SPDR S&P CAPITAL MARKETS ETF/EQUITY 78464A771   1,295,472 9,408 SH   SOLE   9,401 0 7
SPDR S&P CAPITAL MARKETS ETF/EQUITY 78464A771   3,442 25 SH   DFND   25 0 0
SPDR PORTFOLIO S&P 500 ETF/EQUITY 78464A854   1,026,644 14,892 SH   SOLE   14,782 0 110
SPDR PORTFOLIO S&P 500 ETF/EQUITY 78464A854   9,996 145 SH   DFND   145 0 0
SPDR BLACKSTONE/GSO SENIOR LOAN ETF ETF/FIXED INCOME 78467V608   39,842 955 SH   SOLE   955 0 0
SPDR S&P MIDCAP 400 ETF ETF/EQUITY 78467Y107   6,682,282 11,732 SH   SOLE   11,732 0 0
SPDR S&P MIDCAP 400 ETF ETF/EQUITY 78467Y107   55,818 98 SH   DFND   98 0 0
SPDR PORTFOLIO SMALLCAP ETF ETF/EQUITY 78468R853   28,652 638 SH   SOLE   638 0 0
SALESFORCE INC COMMON STOCK 79466L302   1,781,580 5,329 SH   SOLE   5,329 0 0
SALESFORCE INC COMMON STOCK 79466L302   66,863 200 SH   DFND   200 0 0
SLB FOREIGN EQUITIES 806857108   44,781 1,168 SH   SOLE   1,168 0 0
SLB FOREIGN EQUITIES 806857108   33,202 866 SH   DFND   866 0 0
SCHWAB US SMALL CAP ETF ETF/EQUITY 808524607   3,210,562 124,152 SH   SOLE   124,152 0 0
SCHWAB US SMALL CAP ETF ETF/EQUITY 808524607   252,548 9,766 SH   DFND   9,766 0 0
SCHWAB US TIPS ETF ETF/FIXED INCOME 808524870   27,162 1,052 SH   SOLE   1,052 0 0
MATERIALS SELECT SECTOR SPDR ETF/EQUITY 81369Y100   174,589 2,075 SH   SOLE   2,075 0 0
MATERIALS SELECT SECTOR SPDR ETF/EQUITY 81369Y100   831,723 9,885 SH   DFND   9,885 0 0
HEALTH CARE SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y209   425,214 3,091 SH   SOLE   3,091 0 0
HEALTH CARE SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y209   7,428 54 SH   DFND   54 0 0
CONSUMER STAPLES SECTOR SPDR ETF/EQUITY 81369Y308   226,392 2,880 SH   SOLE   2,880 0 0
CONSUMER STAPLES SECTOR SPDR ETF/EQUITY 81369Y308   15,328 195 SH   DFND   195 0 0
CONSUMER DISCRET SEL SECT SPDR ETF ETF/EQUITY 81369Y407   355,368 1,584 SH   SOLE   1,584 0 0
CONSUMER DISCRET SEL SECT SPDR ETF ETF/EQUITY 81369Y407   21,761 97 SH   DFND   97 0 0
ENERGY SELECT SECTOR SPDR ETF/EQUITY 81369Y506   2,412,636 28,169 SH   SOLE   28,169 0 0
ENERGY SELECT SECTOR SPDR ETF/EQUITY 81369Y506   231,252 2,700 SH   DFND   2,700 0 0
SPDR FINANCIAL SELECT SECTOR ETF/EQUITY 81369Y605   151,272 3,130 SH   SOLE   3,130 0 0
SPDR INDUSTRIALS (XLI) ETF/EQUITY 81369Y704   150,206 1,140 SH   SOLE   1,140 0 0
TECHNOLOGY SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y803   564,554 2,428 SH   SOLE   2,428 0 0
TECHNOLOGY SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y803   53,712 231 SH   DFND   231 0 0
SELECT SECTOR SPDR TR COMMUNICATION ETF/EQUITY 81369Y852   13,456 139 SH   SOLE   139 0 0
UTILITIES SELECT SECTOR SPDR ETF/EQUITY 81369Y886   1,537,618 20,315 SH   SOLE   20,301 0 14
UTILITIES SELECT SECTOR SPDR ETF/EQUITY 81369Y886   15,743 208 SH   DFND   208 0 0
SEMPRA ENERGY COMMON STOCK 816851109   1,694,741 19,320 SH   SOLE   19,320 0 0
SEMPRA ENERGY COMMON STOCK 816851109   141,228 1,610 SH   DFND   1,610 0 0
SIXTH ST SPECIALTY LENDING COMMON STOCK 83012A109   21,290 1,000 SH   SOLE   1,000 0 0
JM SMUCKER COMPANY COMMON STOCK 832696405   4,184 38 SH   DFND   38 0 0
SNAP ON INC COMMON STOCK 833034101   101,841 300 SH   SOLE   300 0 0
SOLVENTUM CORP COMMON STOCK 83444M101   16,515 250 SH   DFND   250 0 0
SOUTHERN COMPANY COMMON STOCK 842587107   28,808 350 SH   SOLE   350 0 0
SOUTHERN COMPANY COMMON STOCK 842587107   107,003 1,300 SH   DFND   1,300 0 0
SPROTT PHYSICAL GOLD TRUST ETF/OTHER 85207H104   496,285 24,654 SH   SOLE   24,654 0 0
STARBUCKS CORP COMMON STOCK 855244109   2,607,066 28,571 SH   SOLE   28,571 0 0
STARBUCKS CORP COMMON STOCK 855244109   82,123 900 SH   DFND   900 0 0
STATE STREET CORP COMMON STOCK 857477103   78,520 800 SH   SOLE   800 0 0
STRYKER CORP COMMON STOCK 863667101   2,338,095 6,494 SH   SOLE   6,494 0 0
STRYKER CORP COMMON STOCK 863667101   36,004 100 SH   DFND   100 0 0
SUBURBAN PROPANE PARTNERS LP COMMON STOCK 864482104   11,345 660 SH   SOLE   660 0 0
SYSCO CORP COMMON STOCK 871829107   134,951 1,765 SH   SOLE   1,765 0 0
TJX COMPANIES COMMON STOCK 872540109   102,688 850 SH   SOLE   850 0 0
TJX COMPANIES COMMON STOCK 872540109   12,443 103 SH   DFND   103 0 0
T MOBILE US INC COMMON STOCK 872590104   139,059 630 SH   SOLE   630 0 0
TARGET CORP COMMON STOCK 87612E106   2,478,081 18,332 SH   SOLE   18,332 0 0
TARGET CORP COMMON STOCK 87612E106   112,197 830 SH   DFND   830 0 0
TECK RESOURCES LTD CLASS B FOREIGN EQUITIES 878742204   32,578 804 SH   SOLE   804 0 0
TELEDYNE TECHNOLOGIES INC COMMON STOCK 879360105   86,792 187 SH   DFND   187 0 0
TENARIS SA ADR FOREIGN EQUITIES 88031M109   37,790 1,000 SH   SOLE   1,000 0 0
TESLA MOTORS INC COMMON STOCK 88160R101   357,387 885 SH   SOLE   885 0 0
TESLA MOTORS INC COMMON STOCK 88160R101   12,114 30 SH   DFND   30 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104   4,858,337 25,910 SH   SOLE   25,910 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104   170,632 910 SH   DFND   910 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102   1,999,172 3,843 SH   SOLE   3,843 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102   312,130 600 SH   DFND   600 0 0
3M COMPANY COMMON STOCK 88579Y101   41,695 323 SH   SOLE   323 0 0
3M COMPANY COMMON STOCK 88579Y101   129,090 1,000 SH   DFND   1,000 0 0
TOMPKINS FINANCIAL CORP COMMON STOCK 890110109   237,405 3,500 SH   DFND   3,500 0 0
TORONTO DOMINION BANK FOREIGN EQUITIES 891160509   66,550 1,250 SH   SOLE   1,250 0 0
TOYOTA MOTOR CORP FOREIGN EQUITIES 892331307   116,766 600 SH   DFND   600 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109   1,810,504 7,516 SH   SOLE   7,516 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109   27,701 115 SH   DFND   115 0 0
TRUIST FINANCIAL CORP COMMON STOCK 89832Q109   3,446,308 79,445 SH   SOLE   79,445 0 0
TRUIST FINANCIAL CORP COMMON STOCK 89832Q109   142,284 3,280 SH   DFND   3,280 0 0
US BANCORP COMMON STOCK 902973304   1,512,391 31,627 SH   SOLE   31,627 0 0
US BANCORP COMMON STOCK 902973304   247,946 5,185 SH   DFND   5,185 0 0
UNION PACIFIC CORP COMMON STOCK 907818108   1,598,326 7,009 SH   SOLE   7,009 0 0
UNION PACIFIC CORP COMMON STOCK 907818108   532,472 2,335 SH   DFND   2,335 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106   4,585,080 36,361 SH   SOLE   36,361 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106   214,367 1,700 SH   DFND   1,700 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102   3,259,167 6,443 SH   SOLE   6,443 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102   316,155 625 SH   DFND   625 0 0
VALE SA SPONSORED ADS FOREIGN EQUITIES 91912E105   5,322 600 SH   SOLE   600 0 0
VANECK VECTORS GOLD MINERS ETF ETF/INTERNATIONAL EQUITY 92189F106   678,000 20,000 SH   DFND   20,000 0 0
VANECK VECTORS ETF TR GREEN BD ETF ETF/FIXED INCOME 92189F171   2,370 100 SH   SOLE   100 0 0
VANGUARD DIVIDEND APPRECIATION ETF ETF/EQUITY 921908844   1,343,000 6,858 SH   SOLE   6,858 0 0
VANGUARD TOTAL INTL STOCK ETF ETF/INTERNATIONAL EQUITY 921909768   186,218 3,160 SH   SOLE   3,160 0 0
VANGUARD SHORT TERM BOND ETF ETF/FIXED INCOME 921937827   124,790 1,615 SH   SOLE   1,615 0 0
VANGUARD TOTAL BOND MRKT ETF ETF/FIXED INCOME 921937835   262,434 3,650 SH   SOLE   3,650 0 0
VANGUARD TOTAL BOND MRKT ETF ETF/FIXED INCOME 921937835   5,392 75 SH   DFND   75 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF/INTERNATIONAL EQUITY 921943858   27,729 580 SH   DFND   580 0 0
VANGUARD FINANCIALS ETF ETF/EQUITY 92204A405   599,792 5,080 SH   SOLE   5,080 0 0
VANGUARD FINANCIALS ETF ETF/EQUITY 92204A405   342,403 2,900 SH   DFND   2,900 0 0
VANGUARD INDUSTRIALS ETF ETF/EQUITY 92204A603   1,119,316 4,400 SH   DFND   4,400 0 0
VANGUARD INFO TECH ETF ETF/EQUITY 92204A702   1,544,523 2,484 SH   SOLE   2,484 0 0
VANGUARD INFO TECH ETF ETF/EQUITY 92204A702   227,575 366 SH   DFND   366 0 0
VANGUARD UTILITIES ETF ETF/EQUITY 92204A876   10,622 65 SH   SOLE   65 0 0
VANGUARD FTSE ALL-WLD EX-US ETF ETF/INTERNATIONAL EQUITY 922042775   59,351 1,034 SH   SOLE   1,034 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 922042858   1,683,809 38,234 SH   SOLE   38,234 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 922042858   223,941 5,085 SH   DFND   5,085 0 0
VANGUARD SHORT TERM CORP BOND ETF ETF/FIXED INCOME 92206C409   343,552 4,404 SH   SOLE   4,404 0 0
VANGUARD SHORT TERM CORP BOND ETF ETF/FIXED INCOME 92206C409   170,215 2,182 SH   DFND   2,182 0 0
VANGUARD LONG TERM CORP BONDINDEX FUND ETF ETF/FIXED INCOME 92206C813   198,759 2,658 SH   SOLE   2,569 0 89
VANGUARD LONG TERM CORP BONDINDEX FUND ETF ETF/FIXED INCOME 92206C813   8,674 116 SH   DFND   116 0 0
VANGUARD LONG TERM TREASURY ETF/FIXED INCOME 92206C847   501,317 9,059 SH   SOLE   9,059 0 0
VANGUARD LONG TERM TREASURY ETF/FIXED INCOME 92206C847   21,361 386 SH   DFND   386 0 0
VANGUARD INTERM TERM CORP BDETF ETF/FIXED INCOME 92206C870   107,080 1,334 SH   SOLE   1,334 0 0
VANGUARD S&P 500 ETF ETF/EQUITY 922908363   1,173,505 2,178 SH   SOLE   2,178 0 0
VANGUARD REIT ETF ETF/EQUITY 922908553   559,500 6,281 SH   SOLE   6,281 0 0
VANGUARD REIT ETF ETF/EQUITY 922908553   31,979 359 SH   DFND   359 0 0
VANGUARD SMALLCAP VALUE ETF ETF/EQUITY 922908611   198,180 1,000 SH   SOLE   1,000 0 0
VANGUARD GROWTH ETF ETF/EQUITY 922908736   324,245 790 SH   SOLE   790 0 0
VANGUARD GROWTH ETF ETF/EQUITY 922908736   67,722 165 SH   DFND   165 0 0
VANGUARD VALUE ETF ETF/EQUITY 922908744   135,440 800 SH   SOLE   800 0 0
VANGUARD SMALLCAP ETF ETF/EQUITY 922908751   237,396 988 SH   SOLE   988 0 0
VANGUARD TOTAL STOCK MARKET ETF ETF/EQUITY 922908769   323,706 1,117 SH   SOLE   1,117 0 0
VANGUARD TOTAL STOCK MARKET ETF ETF/EQUITY 922908769   18,506,917 63,861 SH   DFND   63,861 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104   7,414,640 185,460 SH   SOLE   185,460 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104   868,198 21,716 SH   DFND   21,716 0 0
VERTEX PHARMACEUTICALS INC COMMON STOCK 92532F100   436,115 1,083 SH   SOLE   1,083 0 0
VERTEX PHARMACEUTICALS INC COMMON STOCK 92532F100   71,276 177 SH   DFND   177 0 0
VISA INC CLASS A COMMON STOCK 92826C839   3,651,360 11,554 SH   SOLE   11,554 0 0
VISA INC CLASS A COMMON STOCK 92826C839   680,722 2,154 SH   DFND   2,154 0 0
WABTEC CORP COMMON STOCK 929740108   8,152 43 SH   DFND   43 0 0
WAL MART STORES INC COMMON STOCK 931142103   8,075,791 89,384 SH   SOLE   89,384 0 0
WAL MART STORES INC COMMON STOCK 931142103   1,801,662 19,941 SH   DFND   19,941 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109   618,871 3,067 SH   SOLE   3,067 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109   169,502 840 SH   DFND   840 0 0
WEBSTER FINANCIAL CORP COMMON STOCK 947890109   25,566 463 SH   DFND   463 0 0
WELLS FARGO & CO COMMON STOCK 949746101   98,757 1,406 SH   SOLE   1,406 0 0
WILLIAMS COMPANIES INC COMMON STOCK 969457100   541,100 10,000 SH   DFND   10,000 0 0
WISDOMTREE US HIGH DIVIDEND ETF ETF/EQUITY 97717W208   1,409,829 15,101 SH   SOLE   15,101 0 0
WISDOMTREE US HIGH DIVIDEND ETF ETF/EQUITY 97717W208   8,402 90 SH   DFND   90 0 0
WISDOMTREE FLOATING RATE TSY ETF/FIXED INCOME 97717Y527   273,987 5,446 SH   SOLE   5,446 0 0
WOODSIDE ENERGY GROUP LTD FOREIGN EQUITIES 980228308   842 54 SH   DFND   54 0 0
SPDR GOLD MINISHARES ETF/OTHER 98149E303   213,258 4,102 SH   SOLE   4,102 0 0
SPDR GOLD MINISHARES ETF/OTHER 98149E303   14,297 275 SH   DFND   275 0 0
ZIMVIE INC COMMON STOCK 98888T107   3,627 260 SH   DFND   260 0 0
ZEBRA TECHNOLOGIES CORP CL A COMMON STOCK 989207105   25,876 67 SH   DFND   67 0 0
ZIMMER HOLDINGS INC COMMON STOCK 98956P102   114,080 1,080 SH   SOLE   1,080 0 0
ZIMMER HOLDINGS INC COMMON STOCK 98956P102   169,008 1,600 SH   DFND   1,600 0 0