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
ALLEGION PLC FOREIGN EQUITIES G0176J109   19,494 165 SH   SOLE   165 0 0
AMCOR PLC FOREIGN EQUITIES G0250X107   41,173 4,210 SH   SOLE   4,210 0 0
AMCOR PLC FOREIGN EQUITIES G0250X107   7,335 750 SH   DFND   750 0 0
EATON CORP PLC FOREIGN EQUITIES G29183103   28,218 90 SH   SOLE   90 0 0
EATON CORP PLC FOREIGN EQUITIES G29183103   537,720 1,715 SH   DFND   1,715 0 0
LINDE PLC FOREIGN EQUITIES G54950103   65,820 150 SH   SOLE   150 0 0
MEDTRONIC PLC FOREIGN EQUITIES G5960L103   31,484 400 SH   DFND   400 0 0
TRANE TECHNOLOGIES PLC FOREIGN EQUITIES G8994E103   274,648 835 SH   SOLE   835 0 0
WHITE MTNS INS GROUP LTD FOREIGN EQUITIES G9618E107   61,793 34 SH   SOLE   34 0 0
CHUBB LTD FOREIGN EQUITIES H1467J104   3,357,073 13,161 SH   SOLE   13,161 0 0
CHUBB LTD FOREIGN EQUITIES H1467J104   324,712 1,273 SH   DFND   1,273 0 0
CRISPR THERAPEUTICS AG FOREIGN EQUITIES H17182108   2,700 50 SH   SOLE   50 0 0
UBS GROUP AG FOREIGN EQUITIES H42097107   29,540 1,000 SH   DFND   1,000 0 0
AFLAC INC COMMON STOCK 001055102   24,381 273 SH   SOLE   273 0 0
AGCO CORP COMMON STOCK 001084102   9,788 100 SH   DFND   100 0 0
AT&T INC COMMON STOCK 00206R102   2,620,950 137,152 SH   SOLE   137,152 0 0
AT&T INC COMMON STOCK 00206R102   239,979 12,558 SH   DFND   12,558 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100   3,715,153 35,754 SH   SOLE   35,754 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100   510,504 4,913 SH   DFND   4,913 0 0
ABBVIE INC COMMON STOCK 00287Y109   7,222,857 42,111 SH   SOLE   42,111 0 0
ABBVIE INC COMMON STOCK 00287Y109   1,693,586 9,874 SH   DFND   9,874 0 0
ADOBE INC COMMON STOCK 00724F101   85,551 154 SH   SOLE   154 0 0
AGENUS INC COMMON STOCK 00847G804   251 15 SH   SOLE   15 0 0
AIM IMMUNOTECH INC COMMON STOCK 00901B105   4,893 13,226 SH   SOLE   13,226 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106   1,736,331 6,729 SH   SOLE   6,729 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106   427,056 1,655 SH   DFND   1,655 0 0
ALBEMARLE CORP COMMON STOCK 012653101   403,092 4,220 SH   SOLE   4,220 0 0
ALBEMARLE CORP COMMON STOCK 012653101   210,144 2,200 SH   DFND   2,200 0 0
ALLIANCEBERNSTEIN HLDG LP COMMON STOCK 01881G106   16,895 500 SH   DFND   500 0 0
THE ALLSTATE CORPORATION COMMON STOCK 020002101   15,966 100 SH   DFND   100 0 0
ALPHABET INC CLASS C COMMON STOCK 02079K107   1,373,812 7,490 SH   SOLE   7,490 0 0
ALPHABET INC CLASS C COMMON STOCK 02079K107   64,196 350 SH   DFND   350 0 0
ALPHABET INC CLASS A COMMON STOCK 02079K305   5,924,215 32,524 SH   SOLE   32,524 0 0
ALPHABET INC CLASS A COMMON STOCK 02079K305   1,752,282 9,620 SH   DFND   9,620 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103   43,035 945 SH   SOLE   945 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103   29,601 650 SH   DFND   650 0 0
AMAZON.COM INC COMMON STOCK 023135106   5,172,699 26,767 SH   SOLE   26,767 0 0
AMAZON.COM INC COMMON STOCK 023135106   1,369,175 7,085 SH   DFND   7,085 0 0
AMEREN CORPORATION COMMON STOCK 023608102   177,632 2,498 SH   SOLE   2,498 0 0
AVANTIS US SMALLCAP VALUE ETF/EQUITY 025072877   2,264,164 25,236 SH   SOLE   25,213 0 23
AVANTIS US SMALLCAP VALUE ETF/EQUITY 025072877   6,998 78 SH   DFND   78 0 0
AMERICAN ELECTRIC POWER CO COMMON STOCK 025537101   3,095,151 35,277 SH   SOLE   35,277 0 0
AMERICAN ELECTRIC POWER CO COMMON STOCK 025537101   328,583 3,745 SH   DFND   3,745 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109   1,371,925 5,925 SH   SOLE   5,925 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109   28,248 122 SH   DFND   122 0 0
AMERICAN TOWER CORP COMMON STOCK 03027X100   593,829 3,055 SH   SOLE   3,055 0 0
AMERICAN TOWER CORP COMMON STOCK 03027X100   194,380 1,000 SH   DFND   1,000 0 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103   129,160 1,000 SH   SOLE   1,000 0 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103   129,160 1,000 SH   DFND   1,000 0 0
AMETEK INC COMMON STOCK 031100100   516,801 3,100 SH   SOLE   3,100 0 0
AMETEK INC COMMON STOCK 031100100   333,420 2,000 SH   DFND   2,000 0 0
AMGEN INC COMMON STOCK 031162100   3,920,786 12,549 SH   SOLE   12,549 0 0
AMGEN INC COMMON STOCK 031162100   953,253 3,051 SH   DFND   3,051 0 0
ELEVANCE HEALTH INC COMMON STOCK 036752103   2,613,298 4,823 SH   SOLE   4,823 0 0
ELEVANCE HEALTH INC COMMON STOCK 036752103   120,287 222 SH   DFND   222 0 0
APOLLO COMM REAL ESTATE COMMON STOCK 03762U105   19,580 2,000 SH   DFND   2,000 0 0
APPLE INC COMMON STOCK 037833100   82,513,919 391,767 SH   SOLE   391,767 0 0
APPLE INC COMMON STOCK 037833100   938,097 4,454 SH   DFND   4,454 0 0
APPLIED MATERIALS INC COMMON STOCK 038222105   23,599 100 SH   SOLE   100 0 0
ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102   1,400,169 23,163 SH   SOLE   23,163 0 0
ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102   64,983 1,075 SH   DFND   1,075 0 0
ARES CAPITAL CORPORATION COMMON STOCK 04010L103   20,840 1,000 SH   SOLE   1,000 0 0
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103   2,611,946 10,943 SH   SOLE   10,943 0 0
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103   228,902 959 SH   DFND   959 0 0
BCE INC FOREIGN EQUITIES 05534B760   11,002 340 SH   DFND   340 0 0
BP PLC ADR FOREIGN EQUITIES 055622104   8,589 238 SH   SOLE   238 0 0
BP PLC ADR FOREIGN EQUITIES 055622104   18,045 500 SH   DFND   500 0 0
BANK OF AMERICA CORPORATION COMMON STOCK 060505104   606,090 15,240 SH   SOLE   15,240 0 0
BANK OF AMERICA CORPORATION COMMON STOCK 060505104   161,107 4,051 SH   DFND   4,051 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100   7,485 125 SH   SOLE   125 0 0
BARRICK GOLD CORPORATION FOREIGN EQUITIES 067901108   3,336 200 SH   SOLE   200 0 0
BAXTER INTERNATIONAL INC COMMON STOCK 071813109   43,485 1,300 SH   SOLE   1,300 0 0
BAXTER INTERNATIONAL INC COMMON STOCK 071813109   26,760 800 SH   DFND   800 0 0
BECTON DICKINSON AND COMPANY COMMON STOCK 075887109   1,036,497 4,435 SH   SOLE   4,435 0 0
BERKSHIRE HATHAWAY INC B COMMON STOCK 084670702   317,296 780 SH   SOLE   780 0 0
BHP GROUP LTD ADR FOREIGN EQUITIES 088606108   176,978 3,100 SH   SOLE   3,100 0 0
BHP GROUP LTD ADR FOREIGN EQUITIES 088606108   22,835 400 SH   DFND   400 0 0
BIOGEN INC COMMON STOCK 09062X103   185,456 800 SH   DFND   800 0 0
BLACKBERRY LTD NPV FOREIGN EQUITIES 09228F103   205 83 SH   DFND   83 0 0
BLACKROCK INC COMMON STOCK 09247X101   885,735 1,125 SH   SOLE   1,125 0 0
BLACKROCK INC COMMON STOCK 09247X101   527,504 670 SH   DFND   670 0 0
BNY MELLON GLOBAL INFRASTRUCTURE ETF ETF/EQUITY 09661T826   389,041 13,608 SH   SOLE   13,574 0 34
BNY MELLON GLOBAL INFRASTRUCTURE ETF ETF/EQUITY 09661T826   3,373 118 SH   DFND   118 0 0
BOEING COMPANY COMMON STOCK 097023105   127,407 700 SH   SOLE   700 0 0
BOEING COMPANY COMMON STOCK 097023105   36,402 200 SH   DFND   200 0 0
BORGWARNER INC COMMON STOCK 099724106   1,056,322 32,775 SH   SOLE   32,775 0 0
BORGWARNER INC COMMON STOCK 099724106   8,057 250 SH   DFND   250 0 0
BRISTOL MYERS SQUIBB COMPANY COMMON STOCK 110122108   4,929,604 118,729 SH   SOLE   118,729 0 0
BRISTOL MYERS SQUIBB COMPANY COMMON STOCK 110122108   4,130,739 99,488 SH   DFND   99,488 0 0
BROADCOM INC COMMON STOCK 11135F101   6,407,594 3,991 SH   SOLE   3,991 0 0
BROADCOM INC COMMON STOCK 11135F101   2,395,443 1,492 SH   DFND   1,492 0 0
BROOKFIELD CORP NPV FOREIGN EQUITIES 11271J107   63,473 1,528 SH   DFND   1,528 0 0
BROOKFIELD ASSET MGMT LTD FOREIGN EQUITIES 113004105   14,531 382 SH   DFND   382 0 0
CIGNA GROUP COMMON STOCK 125523100   132,228 400 SH   SOLE   400 0 0
CSX CORP COMMON STOCK 126408103   705,795 21,100 SH   SOLE   21,100 0 0
CSX CORP COMMON STOCK 126408103   1,287,156 38,480 SH   DFND   38,480 0 0
CVS HEALTH CORP COMMON STOCK 126650100   2,137,706 36,196 SH   SOLE   36,196 0 0
CVS HEALTH CORP COMMON STOCK 126650100   408,220 6,912 SH   DFND   6,912 0 0
CAMPBELL SOUP CO COMMON STOCK 134429109   18,072 400 SH   DFND   400 0 0
CARDINAL HEALTH INC COMMON STOCK 14149Y108   7,177 73 SH   DFND   73 0 0
CARRIER GLOBAL CORPORATION COMMON STOCK 14448C104   607,145 9,625 SH   SOLE   9,625 0 0
CARRIER GLOBAL CORPORATION COMMON STOCK 14448C104   48,887 775 SH   DFND   775 0 0
CATERPILLAR INC COMMON STOCK 149123101   5,314,423 15,955 SH   SOLE   15,955 0 0
CATERPILLAR INC COMMON STOCK 149123101   309,771 930 SH   DFND   930 0 0
CEL SCI CORP COMMON STOCK 150837607   575 500 SH   SOLE   500 0 0
CHEVRON CORP COMMON STOCK 166764100   4,514,564 28,862 SH   SOLE   28,862 0 0
CHEVRON CORP COMMON STOCK 166764100   887,992 5,677 SH   DFND   5,677 0 0
CHIPOTLE MEXICAN GRILL COMMON STOCK 169656105   3,132 50 SH   DFND   50 0 0
CHURCH & DWIGHT CO INC COMMON STOCK 171340102   207,360 2,000 SH   SOLE   2,000 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102   6,863,828 144,502 SH   SOLE   144,502 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102   1,345,103 28,318 SH   DFND   28,318 0 0
COCA COLA COMPANY COMMON STOCK 191216100   6,089,743 95,676 SH   SOLE   95,676 0 0
COCA COLA COMPANY COMMON STOCK 191216100   469,798 7,381 SH   DFND   7,381 0 0
COHERENT CORP COMMON STOCK 19247G107   14,490 200 SH   DFND   200 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103   1,669,088 17,200 SH   SOLE   17,200 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103   38,816 400 SH   DFND   400 0 0
COMCAST CORP CLASS A COMMON STOCK 20030N101   1,063,658 27,169 SH   SOLE   27,169 0 0
COMCAST CORP CLASS A COMMON STOCK 20030N101   125,396 3,203 SH   DFND   3,203 0 0
COMMUNITY FINANCIAL SYS INC COMMON STOCK 203607106   288,075 6,102 SH   SOLE   6,102 0 0
COMMUNITY FINANCIAL SYS INC COMMON STOCK 203607106   5,286,009 111,968 SH   DFND   111,968 0 0
CONAGRA FOODS INC COMMON STOCK 205887102   1,316,011 46,323 SH   SOLE   46,323 0 0
CONAGRA FOODS INC COMMON STOCK 205887102   82,388 2,900 SH   DFND   2,900 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104   1,306,325 11,421 SH   SOLE   11,421 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104   23,562 206 SH   DFND   206 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104   130,553 1,460 SH   SOLE   1,460 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104   232,492 2,600 SH   DFND   2,600 0 0
CONSTELLATION BRANDS INC COMMON STOCK 21036P108   257,270 1,000 SH   SOLE   1,000 0 0
CONSTELLATION BRANDS INC COMMON STOCK 21036P108   257,270 1,000 SH   DFND   1,000 0 0
CONSTELLATION ENERGY CORP COMMON STOCK 21037T109   56,475 282 SH   DFND   282 0 0
CORNING INC COMMON STOCK 219350105   3,352,497 86,316 SH   SOLE   86,316 0 0
CORNING INC COMMON STOCK 219350105   160,991 4,145 SH   DFND   4,145 0 0
CORTEVA INC COMMON STOCK 22052L104   69,838 1,295 SH   SOLE   1,295 0 0
CORTEVA INC COMMON STOCK 22052L104   4,044 75 SH   DFND   75 0 0
COUPANG INC CL A FOREIGN EQUITIES 22266T109   4,190 200 SH   DFND   200 0 0
CROCS INC COMMON STOCK 227046109   151,047 1,035 SH   SOLE   1,035 0 0
CUMMINS INC COMMON STOCK 231021106   2,514,703 9,081 SH   SOLE   9,081 0 0
CUMMINS INC COMMON STOCK 231021106   620,300 2,240 SH   DFND   2,240 0 0
DANAHER CORP COMMON STOCK 235851102   108,684 435 SH   SOLE   435 0 0
DEERE & COMPANY COMMON STOCK 244199105   1,152,978 3,086 SH   SOLE   3,086 0 0
DEERE & COMPANY COMMON STOCK 244199105   306,374 820 SH   DFND   820 0 0
DIGI INTL INC COMMON STOCK 253798102   9,172 400 SH   DFND   400 0 0
TRUMP MEDIA & TECHNOLOGY GROCOM COMMON STOCK 25400Q105   13,918 425 SH   SOLE   425 0 0
DIME CMNTY BANCSHARES INC COMMON STOCK 25432X102   4,078 200 SH   SOLE   200 0 0
WALT DISNEY CO COMMON STOCK 254687106   2,252,650 22,688 SH   SOLE   22,688 0 0
WALT DISNEY CO COMMON STOCK 254687106   93,625 943 SH   DFND   943 0 0
DOLLAR GENERAL CORP COMMON STOCK 256677105   346,433 2,620 SH   SOLE   2,620 0 0
DOLLAR GENERAL CORP COMMON STOCK 256677105   54,874 415 SH   DFND   415 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109   23,030 470 SH   SOLE   470 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109   28,665 585 SH   DFND   585 0 0
DORCHESTER MINERALS LP COMMON STOCK 25820R105   1,542,307 50,010 SH   SOLE   50,010 0 0
DOW INC COMMON STOCK 260557103   2,307,328 43,502 SH   SOLE   43,502 0 0
DOW INC COMMON STOCK 260557103   119,974 2,262 SH   DFND   2,262 0 0
DRAFTKINGS INC CL A COMMON STOCK 26142V105   7,632 200 SH   SOLE   200 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204   125,287 1,250 SH   SOLE   1,250 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102   3,059,128 38,007 SH   SOLE   38,007 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102   179,164 2,226 SH   DFND   2,226 0 0
EOG RESOURCES INC COMMON STOCK 26875P101   1,232,113 9,789 SH   SOLE   9,789 0 0
EOG RESOURCES INC COMMON STOCK 26875P101   49,088 390 SH   DFND   390 0 0
EASTMAN CHEMICAL CO COMMON STOCK 277432100   30,958 316 SH   SOLE   316 0 0
ECOLAB INC COMMON STOCK 278865100   261,800 1,100 SH   SOLE   1,100 0 0
EDISON INTL COMMON STOCK 281020107   267,635 3,727 SH   DFND   3,727 0 0
EMERSON ELECTRIC CO COMMON STOCK 291011104   5,412,138 49,130 SH   SOLE   49,130 0 0
EMERSON ELECTRIC CO COMMON STOCK 291011104   656,331 5,958 SH   DFND   5,958 0 0
ENBRIDGE INC FOREIGN EQUITIES 29250N105   37,333 1,049 SH   DFND   1,049 0 0
ENERGY TRANSFER EQUITY LP COMMON STOCK 29273V100   27,557 1,700 SH   DFND   1,700 0 0
ENTERPRISE PRODS PARTNERS LP COMMON STOCK 293792107   31,809 1,098 SH   SOLE   1,098 0 0
EQUIFAX INC COMMON STOCK 294429105   666,765 2,750 SH   SOLE   2,750 0 0
EQUIFAX INC COMMON STOCK 294429105   242,460 1,000 SH   DFND   1,000 0 0
EQUITRANS MIDSTREAM CORP COMMON STOCK 294600101   6,490 500 SH   DFND   500 0 0
ESCO TECHNOLOGIES COMMON STOCK 296315104   8,823 84 SH   DFND   84 0 0
ESSENTIAL UTILITIES INC COMMON STOCK 29670G102   847,833 22,718 SH   SOLE   22,718 0 0
ESSENTIAL UTILITIES INC COMMON STOCK 29670G102   79,305 2,125 SH   DFND   2,125 0 0
EXELON CORP COMMON STOCK 30161N101   725,103 20,951 SH   SOLE   20,951 0 0
EXELON CORP COMMON STOCK 30161N101   99,848 2,885 SH   DFND   2,885 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102   5,391,519 46,834 SH   SOLE   46,834 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102   1,083,047 9,408 SH   DFND   9,408 0 0
META PLATFORMS INC COMMON STOCK 30303M102   141,178 280 SH   DFND   280 0 0
FEDEX CORP COMMON STOCK 31428X106   38,977 130 SH   SOLE   130 0 0
FIDELITY NATL INFORMATION SV COMMON STOCK 31620M106   75,360 1,000 SH   SOLE   1,000 0 0
FIDELITY NATL INFORMATION SV COMMON STOCK 31620M106   75,360 1,000 SH   DFND   1,000 0 0
FIFTH THIRD BANCORP COMMON STOCK 316773100   23,894 655 SH   DFND   655 0 0
FINANCIAL INSTITUTIONS INC COMMON STOCK 317585404   4,827 250 SH   SOLE   250 0 0
FIRST SOLAR, INC. COMMON STOCK 336433107   1,127,300 5,000 SH   DFND   5,000 0 0
FIRST TR PFD SEC AND INC ETF/OTHER 33739E108   6,110 352 SH   SOLE   352 0 0
FLEXSHARES GLOBAL UPSTREAM NATURAL RESOURCES ETF/INTERNATIONAL EQUITY 33939L407   1,551,177 38,654 SH   SOLE   38,654 0 0
FLEXSHARES GLOBAL UPSTREAM NATURAL RESOURCES ETF/INTERNATIONAL EQUITY 33939L407   62,200 1,550 SH   DFND   1,550 0 0
FORD MOTOR COMPANY COMMON STOCK 345370860   15,048 1,200 SH   SOLE   1,200 0 0
FORD MOTOR COMPANY COMMON STOCK 345370860   16,302 1,300 SH   DFND   1,300 0 0
FORTUNE BRANDS HOME & SEC COMMON STOCK 34964C106   31,171 480 SH   SOLE   480 0 0
FOX CORP COMMON STOCK 35137L105   188,980 5,500 SH   SOLE   5,500 0 0
FRANCO NEVADA CORP FOREIGN EQUITIES 351858105   15,644 132 SH   DFND   132 0 0
FRANKLIN FTSE CANADA ETF/INTERNATIONAL EQUITY 35473P827   1,663,275 49,680 SH   SOLE   49,595 0 85
FRANKLIN FTSE CANADA ETF/INTERNATIONAL EQUITY 35473P827   7,867 235 SH   DFND   235 0 0
FREEPORT MCMORAN INC COMMON STOCK 35671D857   992,191 20,420 SH   SOLE   20,420 0 0
FREEPORT MCMORAN INC COMMON STOCK 35671D857   38,872 800 SH   DFND   800 0 0
GABELLI MULTIMEDIA TR INC CLOSED END MUTUAL FUNDS 36239Q109   1,602 299 SH   DFND   299 0 0
GABELLI EQUITY TR INC CLOSED END MUTUAL FUNDS 362397101   5,200 1,000 SH   DFND   1,000 0 0
GABELLI UTILITY TRUST CLOSED END MUTUAL FUNDS 36240A101   1,953 330 SH   DFND   330 0 0
GE HEALTHCARE TECH COMMON STOCK 36266G107   24,309 312 SH   SOLE   312 0 0
GE HEALTHCARE TECH COMMON STOCK 36266G107   33,737 433 SH   DFND   433 0 0
GAP INC COMMON STOCK 364760108   29,945 1,254 SH   SOLE   1,254 0 0
GE VERNOVA INC COMMON STOCK 36828A101   50,079 292 SH   SOLE   292 0 0
GE VERNOVA INC COMMON STOCK 36828A101   57,969 338 SH   DFND   338 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108   1,533,619 5,286 SH   SOLE   5,286 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108   40,618 140 SH   DFND   140 0 0
GE AEROSPACE COMMON STOCK 369604301   186,948 1,176 SH   SOLE   1,176 0 0
GE AEROSPACE COMMON STOCK 369604301   215,721 1,357 SH   DFND   1,357 0 0
GENERAL MILLS INC COMMON STOCK 370334104   1,803,658 28,512 SH   SOLE   28,512 0 0
GENERAL MILLS INC COMMON STOCK 370334104   160,680 2,540 SH   DFND   2,540 0 0
GENERAL MOTORS CO COMMON STOCK 37045V100   9,290 200 SH   DFND   200 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103   471,897 6,878 SH   SOLE   6,878 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103   144,081 2,100 SH   DFND   2,100 0 0
GLOBAL X MLP ETF ETF/EQUITY 37954Y343   32,980 680 SH   SOLE   680 0 0
GLOBAL X 1-3 MNTH T-BILL ETF ETF/OTHER 37960A438   52,043 518 SH   SOLE   498 0 20
GOLDMAN SACHS ACCESS ULTRAST ETF/FIXED INCOME 381430230   100,720 2,000 SH   SOLE   2,000 0 0
GOLDMAN SACHS JUST US LARGE CAP EQUITY ETF ETF/EQUITY 381430396   8,202 105 SH   SOLE   105 0 0
HARLEY DAVIDSON INC COMMON STOCK 412822108   6,708 200 SH   SOLE   200 0 0
HERCULES CAPITAL INC COMMON STOCK 427096508   12,781 625 SH   SOLE   625 0 0
HERSHEY CO COMMON STOCK 427866108   36,766 200 SH   SOLE   200 0 0
HOME DEPOT INC COMMON STOCK 437076102   3,427,788 9,958 SH   SOLE   9,958 0 0
HOME DEPOT INC COMMON STOCK 437076102   48,189 140 SH   DFND   140 0 0
HONEYWELL INTL INC COMMON STOCK 438516106   2,366,433 11,082 SH   SOLE   11,082 0 0
HONEYWELL INTL INC COMMON STOCK 438516106   44,629 209 SH   DFND   209 0 0
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109   4,205,314 17,747 SH   SOLE   17,747 0 0
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109   526,051 2,220 SH   DFND   2,220 0 0
INCYTE CORP COMMON STOCK 45337C102   6,061 100 SH   SOLE   100 0 0
INFUSYSTEMS HOLDINGS INC COMMON STOCK 45685K102   6,830 1,000 SH   SOLE   1,000 0 0
INGERSOLL RAND INC COMMON STOCK 45687V106   99,469 1,095 SH   SOLE   1,095 0 0
INTEL CORP COMMON STOCK 458140100   1,104,185 35,665 SH   SOLE   35,665 0 0
INTEL CORP COMMON STOCK 458140100   200,001 6,460 SH   DFND   6,460 0 0
INTL BUSINESS MACHINES CORP COMMON STOCK 459200101   11,157,282 64,512 SH   SOLE   64,512 0 0
INTL BUSINESS MACHINES CORP COMMON STOCK 459200101   6,992,882 40,433 SH   DFND   40,433 0 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103   34,520 800 SH   SOLE   800 0 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103   6,731 156 SH   DFND   156 0 0
INVESCO QQQ TRUST ETF/EQUITY 46090E103   1,093,301 2,282 SH   SOLE   2,282 0 0
INVESCO QQQ TRUST ETF/EQUITY 46090E103   116,899 244 SH   DFND   244 0 0
INVESCO MUNICIPAL TRUST CLOSED END MUTUAL FUNDS 46131J103   19,920 2,000 SH   SOLE   2,000 0 0
INVESCO AEROSPACE & DEFENSE ETF ETF/EQUITY 46137V100   493,056 4,800 SH   DFND   4,800 0 0
INVESCO WILDERHILL CLEAN ENERGY ETF ETF/EQUITY 46137V134   6,505 323 SH   DFND   323 0 0
INVESCO BULLETSHS CORP ETF ETF/FIXED INCOME 46138J577   6,897 380 SH   SOLE   380 0 0
INVESCO BULLETSHARES 2028 CORP BOND ETF/FIXED INCOME 46138J643   15,054 755 SH   SOLE   755 0 0
INVESCO BULLETSHARES 2033 CORP BOND ETF ETF/FIXED INCOME 46139W825   4,939,598 239,670 SH   SOLE   239,670 0 0
IQVIA HLDGS INC COMMON STOCK 46266C105   21,144 100 SH   SOLE   100 0 0
ISHARES SILVER TRUST ETF/OTHER 46428Q109   19,920 750 SH   SOLE   750 0 0
ISHARES SILVER TRUST ETF/OTHER 46428Q109   39,972 1,505 SH   DFND   1,505 0 0
ISHARES GOLD TRUST ETF/OTHER 464285204   548,546 12,487 SH   SOLE   12,332 0 155
ISHARES MSCI CANADA ETF ETF/INTERNATIONAL EQUITY 464286509   902,729 24,340 SH   SOLE   24,340 0 0
ISHARES MSCI CANADA ETF ETF/INTERNATIONAL EQUITY 464286509   100,991 2,723 SH   DFND   2,723 0 0
ISHARES MSCI EUROZONE ETF ETF/INTERNATIONAL EQUITY 464286608   655,497 13,427 SH   SOLE   13,407 0 20
ISHARES CORE S&P 500 ETF ETF/EQUITY 464287200   55,547,747 101,509 SH   SOLE   101,509 0 0
ISHARES CORE S&P 500 ETF ETF/EQUITY 464287200   170,183 311 SH   DFND   311 0 0
ISHARES IBOXX $ INVMT GRADE CORP BOND ETF ETF/FIXED INCOME 464287242   26,244 245 SH   SOLE   245 0 0
ISHARES S&P 500 GROWTH ETF ETF/EQUITY 464287309   842,113 9,100 SH   SOLE   9,100 0 0
ISHARES GLOBAL HEALTHCARE ETF/EQUITY 464287325   2,246,252 24,195 SH   SOLE   24,184 0 11
ISHARES GLOBAL HEALTHCARE ETF/EQUITY 464287325   3,527 38 SH   DFND   38 0 0
ISHARES S&P 500 VALUE ETF ETF/EQUITY 464287408   839,247 4,611 SH   SOLE   4,611 0 0
ISHARES 7-10 YEAR TSY BOND ETF/FIXED INCOME 464287440   875,521 9,349 SH   SOLE   9,128 0 221
ISHARES 7-10 YEAR TSY BOND ETF/FIXED INCOME 464287440   22,944 245 SH   DFND   245 0 0
ISHARES 1-3 YR TREASURY BOND ETF/FIXED INCOME 464287457   1,855,442 22,725 SH   SOLE   22,725 0 0
ISHARES 1-3 YR TREASURY BOND ETF/FIXED INCOME 464287457   116,266 1,424 SH   DFND   1,424 0 0
ISHARES MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 464287465   2,198,158 28,063 SH   SOLE   28,063 0 0
ISHARES MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 464287465   313,083 3,997 SH   DFND   3,997 0 0
ISHARES RUSSELL MIDCAP VALUE ETF/EQUITY 464287473   4,383,212 36,303 SH   SOLE   36,303 0 0
ISHARES RUSSELL MIDCAP VALUE ETF/EQUITY 464287473   120,739 1,000 SH   DFND   1,000 0 0
ISHARES CORE S&P MIDCAP ETF ETF/EQUITY 464287507   10,295,002 175,923 SH   SOLE   175,833 0 90
ISHARES CORE S&P MIDCAP ETF ETF/EQUITY 464287507   166,780 2,850 SH   DFND   2,850 0 0
ISHARES RUSSELL 1000 VALUE ETF/EQUITY 464287598   4,987,711 28,588 SH   SOLE   28,463 0 125
ISHARES RUSSELL 1000 VALUE ETF/EQUITY 464287598   226,110 1,296 SH   DFND   1,296 0 0
ISHARES S&P MIDCAP 400 GROWTH ETF ETF/EQUITY 464287606   341,866 3,880 SH   SOLE   3,880 0 0
ISHARES S&P MIDCAP 400 GROWTH ETF ETF/EQUITY 464287606   22,027 250 SH   DFND   250 0 0
ISHARES RUSSELL 1000 GROWTH ETF ETF/EQUITY 464287614   8,115,422 22,264 SH   SOLE   22,219 0 45
ISHARES RUSSELL 1000 GROWTH ETF ETF/EQUITY 464287614   256,614 704 SH   DFND   704 0 0
ISHARES RUSSELL 2000 ETF ETF/EQUITY 464287655   1,220,970 6,018 SH   SOLE   6,018 0 0
ISHARES RUSSELL 2000 ETF ETF/EQUITY 464287655   79,732 393 SH   DFND   393 0 0
ISHARES CORE S&P SMALLCAP ETF ETF/EQUITY 464287804   12,298,615 115,307 SH   SOLE   115,278 0 29
ISHARES CORE S&P SMALLCAP ETF ETF/EQUITY 464287804   137,590 1,290 SH   DFND   1,290 0 0
ISHARES TR INDEX S&P SMLCP GROW ETF/EQUITY 464287887   20,548 160 SH   SOLE   160 0 0
ISHARES GLOBAL CLEAN ENERGY ETF/INTERNATIONAL EQUITY 464288224   26,640 2,000 SH   SOLE   2,000 0 0
ISHARES GLOBAL CLEAN ENERGY ETF/INTERNATIONAL EQUITY 464288224   7,992 600 SH   DFND   600 0 0
ISHARES MSCI ACWI EX US ETF ETF/INTERNATIONAL EQUITY 464288240   2,212,338 41,641 SH   SOLE   41,641 0 0
ISHARES MSCI ACWI EX US ETF ETF/INTERNATIONAL EQUITY 464288240   247,047 4,650 SH   DFND   4,650 0 0
ISHARES MSCI ACWI ETF ETF/EQUITY 464288257   1,292,600 11,500 SH   SOLE   11,500 0 0
ISHARES MSCI EAFE SMALLCAP ETF ETF/INTERNATIONAL EQUITY 464288273   282,511 4,584 SH   SOLE   4,584 0 0
ISHARES IBOXX $ HIGH YIELD CORP BOND ETF ETF/FIXED INCOME 464288513   23,523 305 SH   SOLE   305 0 0
ISHARES IBOXX $ HIGH YIELD CORP BOND ETF ETF/FIXED INCOME 464288513   74,891 971 SH   DFND   971 0 0
ISHARES TR BARCLYS MBS BD ETF/FIXED INCOME 464288588   752,187 8,193 SH   SOLE   7,975 0 218
ISHARES INTERMEDIATE CREDIT BOND ETF ETF/FIXED INCOME 464288638   25,420 496 SH   DFND   496 0 0
ISHARES SHORT TERM CORP BOND ETF/FIXED INCOME 464288646   97,355 1,900 SH   DFND   1,900 0 0
ISHARES US PREFERRED STOCK ETF/OTHER 464288687   2,528,738 80,176 SH   SOLE   80,176 0 0
ISHARES US PREFERRED STOCK ETF/OTHER 464288687   136,880 4,340 SH   DFND   4,340 0 0
ISHARES CORE HIGH DIVIDEND ETF/EQUITY 46429B663   119,570 1,100 SH   SOLE   1,100 0 0
ISHARES EDGE MSCI MIN VOL USA ETF ETF/EQUITY 46429B697   695,767 8,287 SH   SOLE   8,250 0 37
ISHARES CORE MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 46432F842   30,053,239 413,786 SH   SOLE   413,566 0 220
ISHARES CORE MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 46432F842   258,414 3,558 SH   DFND   3,558 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 46434G103   7,328,164 136,924 SH   SOLE   136,832 0 92
ISHARES CORE MSCI EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 46434G103   16,591 310 SH   DFND   310 0 0
ISHARES MSCI EM EX CHINA ETF/INTERNATIONAL EQUITY 46434G764   2,316,136 39,124 SH   SOLE   39,087 0 37
ISHARES MSCI EM EX CHINA ETF/INTERNATIONAL EQUITY 46434G764   3,552 60 SH   DFND   60 0 0
ISHARES ESG MSCI EM ETF ETF/INTERNATIONAL EQUITY 46434G863   360,903 10,767 SH   SOLE   10,767 0 0
ISHARES MSCI ACWI LOW CARBON ETF/EQUITY 46434V464   3,115 17 SH   SOLE   17 0 0
ISHARES ESG USD CORP BOND ETF/FIXED INCOME 46435G193   8,516 375 SH   SOLE   375 0 0
ISHARES TR ESG AWRE 1 5 YR ETF/FIXED INCOME 46435G243   8,568 350 SH   SOLE   350 0 0
ISHARES TR ESG MSCI USA ETF (ESGU) ETF/EQUITY 46435G425   14,915 125 SH   SOLE   125 0 0
ISHARES ESG MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 46435G516   409,338 5,196 SH   SOLE   5,196 0 0
ISHARES ESG AWARE MSCI SMALLCAP ETF ETF/EQUITY 46435U663   1,963 51 SH   SOLE   51 0 0
ISHARES IBONDS DEC 2030 TERM TSY ETF ETF/FIXED INCOME 46436E593   133,212 6,913 SH   SOLE   6,913 0 0
ISHARES 0-3 MONTH TREASURY ETF/FIXED INCOME 46436E718   191,643 1,903 SH   SOLE   1,903 0 0
ISHARES IBONDS DEC 2028 TERM ETF/FIXED INCOME 46436E833   18,446 845 SH   SOLE   845 0 0
JPMORGAN CHASE & CO COMMON STOCK 46625H100   14,494,084 71,661 SH   SOLE   71,661 0 0
JPMORGAN CHASE & CO COMMON STOCK 46625H100   1,303,964 6,447 SH   DFND   6,447 0 0
JABIL CIRCUIT INC. COMMON STOCK 466313103   21,758 200 SH   SOLE   200 0 0
JPMORGAN EQUITY PREMIUM INC ETF/EQUITY 46641Q332   8,753,703 154,441 SH   SOLE   154,256 0 185
JPMORGAN EQUITY PREMIUM INC ETF/EQUITY 46641Q332   17,570 310 SH   DFND   310 0 0
JACOBS SOLUTIONS INC COMMON STOCK 46982L108   20,956 150 SH   DFND   150 0 0
JANUS HENDERSON SECURITIZED INCOME ETF ETF/FIXED INCOME 47103U746   266,607 5,152 SH   SOLE   5,038 0 114
JANUS HENDERSON SECURITIZED INCOME ETF ETF/FIXED INCOME 47103U746   9,315 180 SH   DFND   180 0 0
JANUS DETROIT STREET TR HENDERSON AAA CLO ETF/FIXED INCOME 47103U845   3,075,229 60,441 SH   SOLE   60,171 0 270
JANUS DETROIT STREET TR HENDERSON AAA CLO ETF/FIXED INCOME 47103U845   13,992 275 SH   DFND   275 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104   5,168,612 35,363 SH   SOLE   35,363 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104   1,126,450 7,707 SH   DFND   7,707 0 0
KELLANOVA COMPANY COMMON STOCK 487836108   46,144 800 SH   DFND   800 0 0
KENVUE INC COMMON STOCK 49177J102   1,444,714 79,468 SH   SOLE   79,468 0 0
KENVUE INC COMMON STOCK 49177J102   154,762 8,513 SH   DFND   8,513 0 0
KEYCORP COMMON STOCK 493267108   7,105 500 SH   SOLE   500 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103   1,238,547 8,962 SH   SOLE   8,962 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103   146,492 1,060 SH   DFND   1,060 0 0
KINDER MORGAN INC COMMON STOCK 49456B101   1,183,531 59,594 SH   SOLE   59,594 0 0
KINDER MORGAN INC COMMON STOCK 49456B101   106,846 5,380 SH   DFND   5,380 0 0
KRAFT HEINZ COMPANY COMMON STOCK 500754106   75,169 2,333 SH   DFND   2,333 0 0
KYNDRYL HOLDINGS INC COMMON STOCK 50155Q100   263 10 SH   SOLE   10 0 0
LAM RESEARCH CORP COMMON STOCK 512807108   1,548,264 1,454 SH   SOLE   1,454 0 0
LAM RESEARCH CORP COMMON STOCK 512807108   122,457 115 SH   DFND   115 0 0
ESTEE LAUDER COMP INC CL A COMMON STOCK 518439104   10,640 100 SH   SOLE   100 0 0
LENNAR CORP CL A COMMON STOCK 526057104   542,508 3,620 SH   SOLE   3,620 0 0
LENNAR CORP CL A COMMON STOCK 526057104   41,214 275 SH   DFND   275 0 0
LIBERTY ALL STAR EQUITY FD CLOSED END MUTUAL FUNDS 530158104   16,333 2,402 SH   DFND   2,402 0 0
ELI LILLY AND COMPANY COMMON STOCK 532457108   1,947,457 2,151 SH   SOLE   2,151 0 0
ELI LILLY AND COMPANY COMMON STOCK 532457108   1,510,171 1,668 SH   DFND   1,668 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109   2,659,104 5,693 SH   SOLE   5,693 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109   464,749 995 SH   DFND   995 0 0
LOEWS CORP COMMON STOCK 540424108   97,162 1,300 SH   DFND   1,300 0 0
LOWES COMPANIES INC COMMON STOCK 548661107   4,251,977 19,287 SH   SOLE   19,287 0 0
LOWES COMPANIES INC COMMON STOCK 548661107   332,449 1,508 SH   DFND   1,508 0 0
M & T BANK CORP COMMON STOCK 55261F104   237,180 1,567 SH   SOLE   1,567 0 0
M & T BANK CORP COMMON STOCK 55261F104   85,972 568 SH   DFND   568 0 0
MGIC INVESTMENT CORP COMMON STOCK 552848103   5,126 238 SH   SOLE   238 0 0
MARATHON PETROLEUM CORP COMMON STOCK 56585A102   59,677 344 SH   DFND   344 0 0
MASTERCARD INC CLASS A COMMON STOCK 57636Q104   933,022 2,115 SH   SOLE   2,115 0 0
MASTERCARD INC CLASS A COMMON STOCK 57636Q104   24,262 55 SH   DFND   55 0 0
MASTERBRAND INC COMMON STOCK 57638P104   7,046 480 SH   SOLE   480 0 0
MCDONALDS CORP COMMON STOCK 580135101   3,493,070 13,707 SH   SOLE   13,707 0 0
MCDONALDS CORP COMMON STOCK 580135101   180,422 708 SH   DFND   708 0 0
MCKESSON CORP COMMON STOCK 58155Q103   700,836 1,200 SH   SOLE   1,200 0 0
MCKESSON CORP COMMON STOCK 58155Q103   327,056 560 SH   DFND   560 0 0
MEDPACE HOLDINGS INC COMMON STOCK 58506Q109   16,473 40 SH   SOLE   40 0 0
MERCK & COMPANY INC COMMON STOCK 58933Y105   11,819,545 95,473 SH   SOLE   95,473 0 0
MERCK & COMPANY INC COMMON STOCK 58933Y105   1,979,809 15,992 SH   DFND   15,992 0 0
METLIFE INC COMMON STOCK 59156R108   157,927 2,250 SH   SOLE   2,250 0 0
METLIFE INC COMMON STOCK 59156R108   27,023 385 SH   DFND   385 0 0
METTLER-TOLEDO INTL COMMON STOCK 592688105   559,036 400 SH   SOLE   400 0 0
METTLER-TOLEDO INTL COMMON STOCK 592688105   139,759 100 SH   DFND   100 0 0
MICROSOFT CORP COMMON STOCK 594918104   25,560,956 57,190 SH   SOLE   57,190 0 0
MICROSOFT CORP COMMON STOCK 594918104   2,783,149 6,227 SH   DFND   6,227 0 0
MICRON TECHNOLOGY COMMON STOCK 595112103   32,882 250 SH   SOLE   250 0 0
MODERNA INC COMMON STOCK 60770K107   5,937 50 SH   SOLE   50 0 0
MOLINA HEALTHCARE INC COMMON STOCK 60855R100   14,864 50 SH   SOLE   50 0 0
MONDELEZ INTL INC CL A COMMON STOCK 609207105   308,942 4,721 SH   SOLE   4,721 0 0
MONDELEZ INTL INC CL A COMMON STOCK 609207105   163,600 2,500 SH   DFND   2,500 0 0
MORGAN STANLEY COMMON STOCK 617446448   2,409,789 24,795 SH   SOLE   24,795 0 0
MORGAN STANLEY COMMON STOCK 617446448   36,445 375 SH   DFND   375 0 0
ETF CALVERT US MID-CAP CORE ETF/EQUITY 61774R403   2,204 40 SH   SOLE   40 0 0
MURPHY OIL CORPORATION COMMON STOCK 626717102   13,523 328 SH   SOLE   328 0 0
MURPHY USA INC COMMON STOCK 626755102   38,494 82 SH   SOLE   82 0 0
NBT BANCORP INC COMMON STOCK 628778102   458,718 11,887 SH   SOLE   11,887 0 0
NBT BANCORP INC COMMON STOCK 628778102   332,181 8,608 SH   DFND   8,608 0 0
NATIONAL FUEL GAS COMPANY COMMON STOCK 636180101   368,424 6,800 SH   SOLE   6,800 0 0
NATIONAL FUEL GAS COMPANY COMMON STOCK 636180101   5,418 100 SH   DFND   100 0 0
NATIONAL GRID PLC ADR FOREIGN EQUITIES 636274409   60,934 1,073 SH   DFND   1,073 0 0
NETFLIX INC COMMON STOCK 64110L106   236,208 350 SH   SOLE   350 0 0
NEW YORK CMNTY BANCORP INC COMMON STOCK 649445103   563 175 SH   DFND   175 0 0
NEWELL RUBBERMAID INC COMMON STOCK 651229106   4,647 725 SH   SOLE   0 0 725
NEXSTAR MEDIA GROUP INC COMMON STOCK 65336K103   8,300 50 SH   SOLE   50 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101   2,572,350 36,328 SH   SOLE   36,328 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101   1,308,212 18,475 SH   DFND   18,475 0 0
NIKE INC CLASS B COMMON STOCK 654106103   1,456,511 19,325 SH   SOLE   19,325 0 0
NIKE INC CLASS B COMMON STOCK 654106103   34,670 460 SH   DFND   460 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108   1,365,416 6,360 SH   SOLE   6,360 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108   246,893 1,150 SH   DFND   1,150 0 0
NORTHROP GRUMMAN CORP COMMON STOCK 666807102   87,190 200 SH   DFND   200 0 0
NORWOOD FINANCIAL CORP COMMON STOCK 669549107   101,276 3,992 SH   SOLE   3,992 0 0
NOVARTIS AG ADR FOREIGN EQUITIES 66987V109   173,316 1,628 SH   SOLE   1,628 0 0
NUCOR CORP COMMON STOCK 670346105   4,558,391 28,836 SH   SOLE   28,836 0 0
NUCOR CORP COMMON STOCK 670346105   970,769 6,141 SH   DFND   6,141 0 0
NVIDIA CORPORATION COMMON STOCK 67066G104   6,709,456 54,310 SH   SOLE   54,310 0 0
NVIDIA CORPORATION COMMON STOCK 67066G104   754,829 6,110 SH   DFND   6,110 0 0
NUVEEN CA QUALITY INCOME FD CLOSED END MUTUAL FUNDS 67066Y105   7,678 666 SH   SOLE   666 0 0
NUVEEN AMT FREE MUNI CR INC CLOSED END MUTUAL FUNDS 67071L106   24,920 2,000 SH   SOLE   2,000 0 0
OAKTREE SPECIALTY LENDING COMMON STOCK 67401P405   18,800 1,000 SH   SOLE   1,000 0 0
OCCIDENTAL PETE CORP star W EXP 08/03/2027 WARRANTS & RIGHTS 674599162   576 14 SH   SOLE   14 0 0
OLIN CORP COMMON STOCK 680665205   18,860 400 SH   DFND   400 0 0
OMNICOM GROUP INC COMMON STOCK 681919106   3,818,693 42,572 SH   SOLE   42,572 0 0
OMNICOM GROUP INC COMMON STOCK 681919106   178,501 1,990 SH   DFND   1,990 0 0
ONEOK INC COMMON STOCK 682680103   32,130 394 SH   SOLE   394 0 0
OPEN LENDING CORP COMMON STOCK 68373J104   1,116 200 SH   SOLE   200 0 0
ORACLE CORP COMMON STOCK 68389X105   254,160 1,800 SH   SOLE   1,800 0 0
ORACLE CORP COMMON STOCK 68389X105   112,960 800 SH   DFND   800 0 0
ORANGE SA ADR FOREIGN EQUITIES 684060106   39,960 4,000 SH   DFND   4,000 0 0
ORGANON & CO COMMON STOCK 68622V106   165 8 SH   DFND   8 0 0
OTIS WORLDWIDE CORP COMMON STOCK 68902V107   7,219 75 SH   SOLE   75 0 0
OTIS WORLDWIDE CORP COMMON STOCK 68902V107   31,284 325 SH   DFND   325 0 0
PNC FINL SVCS GROUP INC COMMON STOCK 693475105   1,830,777 11,775 SH   SOLE   11,775 0 0
PNC FINL SVCS GROUP INC COMMON STOCK 693475105   70,743 455 SH   DFND   455 0 0
PPG INDUSTRIES INC COMMON STOCK 693506107   25,178 200 SH   SOLE   200 0 0
PALO ALTO NETWORKS INC COMMON STOCK 697435105   752,923 2,221 SH   SOLE   2,221 0 0
PALO ALTO NETWORKS INC COMMON STOCK 697435105   77,970 230 SH   DFND   230 0 0
PAYCHEX INC COMMON STOCK 704326107   177,840 1,500 SH   SOLE   1,500 0 0
PAYCHEX INC COMMON STOCK 704326107   68,171 575 SH   DFND   575 0 0
PEOPLES FINL SVCS CORP COMMON STOCK 711040105   55,467 1,218 SH   SOLE   1,218 0 0
PEPSICO INC COMMON STOCK 713448108   9,188,121 55,710 SH   SOLE   55,710 0 0
PEPSICO INC COMMON STOCK 713448108   941,079 5,706 SH   DFND   5,706 0 0
PFIZER INC COMMON STOCK 717081103   2,802,751 100,207 SH   SOLE   100,207 0 0
PFIZER INC COMMON STOCK 717081103   673,123 24,066 SH   DFND   24,066 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109   111,463 1,100 SH   SOLE   1,100 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109   69,816 689 SH   DFND   689 0 0
PHILLIPS 66 COMMON STOCK 718546104   2,250,914 15,945 SH   SOLE   15,945 0 0
PHILLIPS 66 COMMON STOCK 718546104   56,467 400 SH   DFND   400 0 0
PIMCO ENHANCED SHORT MAT ESG ETF/FIXED INCOME 72201R643   7,401 75 SH   SOLE   75 0 0
PIMCO ENHANCED LOW DURATION ETF/FIXED INCOME 72201R718   94,670 1,000 SH   SOLE   1,000 0 0
PIMCO ENHANCED SHORT MATURE ACTIVE ETF ETF/FIXED INCOME 72201R833   100,650 1,000 SH   SOLE   1,000 0 0
PLAINS ALL AMERICAN PIPELINE COMMON STOCK 726503105   53,580 3,000 SH   DFND   3,000 0 0
PRINCIPAL SPECTRUM PFD SEC ETF/EQUITY 74255Y888   145,680 8,000 SH   SOLE   8,000 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109   7,935,255 48,116 SH   SOLE   48,116 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109   1,032,889 6,263 SH   DFND   6,263 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102   6,797 58 SH   SOLE   58 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102   25,195 215 SH   DFND   215 0 0
PUBLIC SVC ENTERPRISE GROUP COMMON STOCK 744573106   4,308,188 58,456 SH   SOLE   58,456 0 0
PUBLIC SVC ENTERPRISE GROUP COMMON STOCK 744573106   880,197 11,943 SH   DFND   11,943 0 0
PULTE GROUP INC COMMON STOCK 745867101   23,121 210 SH   DFND   210 0 0
QUALCOMM INC COMMON STOCK 747525103   5,518,647 27,707 SH   SOLE   27,707 0 0
QUALCOMM INC COMMON STOCK 747525103   585,588 2,940 SH   DFND   2,940 0 0
RTX CORP COMMON STOCK 75513E101   3,423,649 34,104 SH   SOLE   34,104 0 0
RTX CORP COMMON STOCK 75513E101   411,190 4,096 SH   DFND   4,096 0 0
REALTY INCOME CORP COMMON STOCK 756109104   20,067 380 SH   SOLE   380 0 0
REDDIT CLASS A COMMON STOCK 75734B100   5,110 80 SH   DFND   80 0 0
REGULUS THERAPEUTICS INC COMMON STOCK 75915K309   1,228 690 SH   SOLE   690 0 0
REPUBLIC SERVICES INC COMMON STOCK 760759100   19,434 100 SH   SOLE   100 0 0
RIBBONS COMMUNICATIONS INC COMMON STOCK 762544104   4,592 1,400 SH   SOLE   1,400 0 0
ROCKWELL AUTOMATION INC COMMON STOCK 773903109   27,527 100 SH   DFND   100 0 0
ROPER INDS INC COMMON STOCK 776696106   244,060 433 SH   SOLE   433 0 0
ROYAL BANK OF CANADA FOREIGN EQUITIES 780087102   679,768 6,390 SH   SOLE   6,390 0 0
ROYAL BANK OF CANADA FOREIGN EQUITIES 780087102   138,080 1,298 SH   DFND   1,298 0 0
S&P GLOBAL INC COMMON STOCK 78409V104   287,670 645 SH   SOLE   645 0 0
S&P GLOBAL INC COMMON STOCK 78409V104   158,776 356 SH   DFND   356 0 0
SPDR S&P 500 ETF ETF/EQUITY 78462F103   8,962,562 16,469 SH   SOLE   16,469 0 0
SPDR S&P 500 ETF ETF/EQUITY 78462F103   390,740 718 SH   DFND   718 0 0
SPDR GOLD SHARES ETF/OTHER 78463V107   64,503 300 SH   SOLE   300 0 0
SPDR GOLD SHARES ETF/OTHER 78463V107   908,417 4,225 SH   DFND   4,225 0 0
SPDR INTERM CORP BOND ETF ETF/FIXED INCOME 78464A375   775,494 23,825 SH   SOLE   23,400 0 425
SPDR INTERM CORP BOND ETF ETF/FIXED INCOME 78464A375   20,669 635 SH   DFND   635 0 0
SPDR PORTFOLIO S&P500 GROWTH ETF/EQUITY 78464A409   537,907 6,713 SH   SOLE   6,713 0 0
SPDR PORTFOLIO S&P 500 VALUE ETF/EQUITY 78464A508   551,876 11,323 SH   SOLE   11,323 0 0
SPDR PORTFOLIO S&P 500 ETF/EQUITY 78464A854   1,174,528 18,352 SH   SOLE   18,177 0 175
SPDR PORTFOLIO S&P 500 ETF/EQUITY 78464A854   9,280 145 SH   DFND   145 0 0
SPDR BLACKSTONE/GSO SENIOR LOAN ETF ETF/FIXED INCOME 78467V608   269,754 6,455 SH   SOLE   6,455 0 0
SPDR S&P MIDCAP 400 ETF ETF/EQUITY 78467Y107   6,326,754 11,824 SH   SOLE   11,824 0 0
SPDR S&P MIDCAP 400 ETF ETF/EQUITY 78467Y107   71,164 133 SH   DFND   133 0 0
SPDR SER TR MSCI USA STRTGIC ETF/EQUITY 78468R812   33,911 230 SH   SOLE   230 0 0
SPDR PORTFOLIO SMALLCAP ETF ETF/EQUITY 78468R853   26,489 638 SH   SOLE   638 0 0
SALESFORCE INC COMMON STOCK 79466L302   1,218,572 4,740 SH   SOLE   4,740 0 0
SALESFORCE INC COMMON STOCK 79466L302   47,560 185 SH   DFND   185 0 0
SLB FOREIGN EQUITIES 806857108   55,106 1,168 SH   SOLE   1,168 0 0
SLB FOREIGN EQUITIES 806857108   59,729 1,266 SH   DFND   1,266 0 0
SCHWAB US SMALL CAP ETF ETF/EQUITY 808524607   3,041,809 64,106 SH   SOLE   64,106 0 0
SCHWAB US SMALL CAP ETF ETF/EQUITY 808524607   271,220 5,716 SH   DFND   5,716 0 0
SCHWAB US TIPS ETF ETF/FIXED INCOME 808524870   161,512 3,106 SH   SOLE   3,106 0 0
MATERIALS SELECT SECTOR SPDR ETF/EQUITY 81369Y100   188,716 2,137 SH   SOLE   2,137 0 0
MATERIALS SELECT SECTOR SPDR ETF/EQUITY 81369Y100   872,943 9,885 SH   DFND   9,885 0 0
HEALTH CARE SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y209   500,639 3,435 SH   SOLE   3,435 0 0
HEALTH CARE SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y209   9,619 66 SH   DFND   66 0 0
CONSUMER STAPLES SECTOR SPDR ETF/EQUITY 81369Y308   220,548 2,880 SH   SOLE   2,880 0 0
CONSUMER STAPLES SECTOR SPDR ETF/EQUITY 81369Y308   14,932 195 SH   DFND   195 0 0
CONSUMER DISCRET SEL SECT SPDR ETF ETF/EQUITY 81369Y407   288,921 1,584 SH   SOLE   1,584 0 0
CONSUMER DISCRET SEL SECT SPDR ETF ETF/EQUITY 81369Y407   17,692 97 SH   DFND   97 0 0
ENERGY SELECT SECTOR SPDR ETF/EQUITY 81369Y506   2,552,351 28,002 SH   SOLE   28,002 0 0
ENERGY SELECT SECTOR SPDR ETF/EQUITY 81369Y506   253,850 2,785 SH   DFND   2,785 0 0
SPDR FINANCIAL SELECT SECTOR ETF/EQUITY 81369Y605   122,507 2,980 SH   SOLE   2,980 0 0
SPDR INDUSTRIALS (XLI) ETF/EQUITY 81369Y704   126,744 1,040 SH   SOLE   1,040 0 0
TECHNOLOGY SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y803   563,307 2,490 SH   SOLE   2,490 0 0
TECHNOLOGY SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y803   52,259 231 SH   DFND   231 0 0
SELECT SECTOR SPDR TR COMMUNICATION ETF/EQUITY 81369Y852   11,905 139 SH   SOLE   139 0 0
UTILITIES SELECT SECTOR SPDR ETF/EQUITY 81369Y886   602,923 8,850 SH   SOLE   8,836 0 14
UTILITIES SELECT SECTOR SPDR ETF/EQUITY 81369Y886   15,056 221 SH   DFND   221 0 0
SEMPRA ENERGY COMMON STOCK 816851109   1,474,033 19,380 SH   SOLE   19,380 0 0
SEMPRA ENERGY COMMON STOCK 816851109   122,456 1,610 SH   DFND   1,610 0 0
SIXTH ST SPECIALTY LENDING COMMON STOCK 83012A109   21,340 1,000 SH   SOLE   1,000 0 0
JM SMUCKER COMPANY COMMON STOCK 832696405   4,143 38 SH   DFND   38 0 0
SNAP ON INC COMMON STOCK 833034101   78,414 300 SH   DFND   300 0 0
SOLVENTUM CORP COMMON STOCK 83444M101   15,864 300 SH   DFND   300 0 0
SOUTHERN COMPANY COMMON STOCK 842587107   31,024 400 SH   SOLE   400 0 0
SOUTHERN COMPANY COMMON STOCK 842587107   100,828 1,300 SH   DFND   1,300 0 0
SPROTT PHYSICAL GOLD TRUST ETF/OTHER 85207H104   445,004 24,654 SH   SOLE   24,654 0 0
STAG INDL INC COMMON STOCK 85254J102   7,212 200 SH   SOLE   200 0 0
STARBUCKS CORP COMMON STOCK 855244109   2,037,296 26,170 SH   SOLE   26,170 0 0
STARBUCKS CORP COMMON STOCK 855244109   87,188 1,120 SH   DFND   1,120 0 0
STATE STREET CORP COMMON STOCK 857477103   59,200 800 SH   SOLE   800 0 0
STRYKER CORP COMMON STOCK 863667101   2,119,404 6,229 SH   SOLE   6,229 0 0
STRYKER CORP COMMON STOCK 863667101   43,891 129 SH   DFND   129 0 0
SUBURBAN PROPANE PARTNERS LP COMMON STOCK 864482104   12,526 660 SH   SOLE   660 0 0
SYSCO CORP COMMON STOCK 871829107   125,985 1,765 SH   SOLE   1,765 0 0
TJX COMPANIES COMMON STOCK 872540109   121,110 1,100 SH   SOLE   1,100 0 0
TJX COMPANIES COMMON STOCK 872540109   11,340 103 SH   DFND   103 0 0
T MOBILE US INC COMMON STOCK 872590104   111,345 632 SH   DFND   632 0 0
TARGET CORP COMMON STOCK 87612E106   2,672,400 18,052 SH   SOLE   18,052 0 0
TARGET CORP COMMON STOCK 87612E106   135,010 912 SH   DFND   912 0 0
TELEDYNE TECHNOLOGIES INC COMMON STOCK 879360105   72,550 187 SH   DFND   187 0 0
TENARIS SA ADR FOREIGN EQUITIES 88031M109   30,520 1,000 SH   SOLE   1,000 0 0
TERADATA CORP COMMON STOCK 88076W103   3,731 108 SH   DFND   108 0 0
TESLA MOTORS INC COMMON STOCK 88160R101   172,154 870 SH   SOLE   870 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104   5,651,045 29,050 SH   SOLE   29,050 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104   191,610 985 SH   DFND   985 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102   1,868,587 3,379 SH   SOLE   3,379 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102   326,270 590 SH   DFND   590 0 0
3M COMPANY COMMON STOCK 88579Y101   12,773 125 SH   SOLE   125 0 0
3M COMPANY COMMON STOCK 88579Y101   122,628 1,200 SH   DFND   1,200 0 0
TOMPKINS FINANCIAL CORP COMMON STOCK 890110109   195,600 4,000 SH   DFND   4,000 0 0
TORONTO DOMINION BANK FOREIGN EQUITIES 891160509   523,559 9,528 SH   SOLE   9,528 0 0
TORONTO DOMINION BANK FOREIGN EQUITIES 891160509   17,858 325 SH   DFND   325 0 0
TOYOTA MOTOR CORP FOREIGN EQUITIES 892331307   122,982 600 SH   DFND   600 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109   1,536,215 7,555 SH   SOLE   7,555 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109   57,950 285 SH   DFND   285 0 0
TRUIST FINANCIAL CORP COMMON STOCK 89832Q109   3,405,874 87,690 SH   SOLE   87,690 0 0
TRUIST FINANCIAL CORP COMMON STOCK 89832Q109   135,162 3,480 SH   DFND   3,480 0 0
US BANCORP COMMON STOCK 902973304   1,689,540 42,558 SH   SOLE   42,558 0 0
US BANCORP COMMON STOCK 902973304   221,724 5,585 SH   DFND   5,585 0 0
UNDER ARMOUR INC CL A COMMON STOCK 904311107   1,000 150 SH   SOLE   150 0 0
UNION PACIFIC CORP COMMON STOCK 907818108   1,484,031 6,559 SH   SOLE   6,559 0 0
UNION PACIFIC CORP COMMON STOCK 907818108   709,324 3,135 SH   DFND   3,135 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106   4,581,771 33,481 SH   SOLE   33,481 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106   201,572 1,473 SH   DFND   1,473 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102   3,670,200 7,207 SH   SOLE   7,207 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102   621,296 1,220 SH   DFND   1,220 0 0
VBI VACCINES INC COMMON STOCK 91822J202   186 283 SH   SOLE   283 0 0
VALE SA SPONSORED ADS FOREIGN EQUITIES 91912E105   6,702 600 SH   SOLE   600 0 0
VANECK VECTORS GOLD MINERS ETF ETF/INTERNATIONAL EQUITY 92189F106   678,600 20,000 SH   DFND   20,000 0 0
VANECK VECTORS ETF TR GREEN BD ETF ETF/FIXED INCOME 92189F171   2,363 100 SH   SOLE   100 0 0
VANGUARD DIVIDEND APPRECIATION ETF ETF/EQUITY 921908844   1,297,562 7,108 SH   SOLE   7,108 0 0
VANGUARD TOTAL INTL STOCK ETF ETF/INTERNATIONAL EQUITY 921909768   205,829 3,414 SH   SOLE   3,414 0 0
VANGUARD SHORT TERM BOND ETF ETF/FIXED INCOME 921937827   123,870 1,615 SH   SOLE   1,615 0 0
VANGUARD TOTAL BOND MRKT ETF ETF/FIXED INCOME 921937835   272,310 3,780 SH   SOLE   3,780 0 0
VANGUARD TOTAL BOND MRKT ETF ETF/FIXED INCOME 921937835   5,403 75 SH   DFND   75 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF/INTERNATIONAL EQUITY 921943858   29,646 600 SH   DFND   600 0 0
VANGUARD ULTRA SHORT TERM ETF/FIXED INCOME 92203C303   99,040 2,000 SH   SOLE   2,000 0 0
VANGUARD FINANCIALS ETF ETF/EQUITY 92204A405   704,246 7,051 SH   SOLE   7,051 0 0
VANGUARD FINANCIALS ETF ETF/EQUITY 92204A405   296,643 2,970 SH   DFND   2,970 0 0
VANGUARD INDUSTRIALS ETF ETF/EQUITY 92204A603   11,761 50 SH   SOLE   50 0 0
VANGUARD INDUSTRIALS ETF ETF/EQUITY 92204A603   1,034,968 4,400 SH   DFND   4,400 0 0
VANGUARD INFO TECH ETF ETF/EQUITY 92204A702   1,312,293 2,276 SH   SOLE   2,276 0 0
VANGUARD INFO TECH ETF ETF/EQUITY 92204A702   211,028 366 SH   DFND   366 0 0
VANGUARD UTILITIES ETF ETF/EQUITY 92204A876   9,614 65 SH   SOLE   65 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 922042858   1,687,854 38,580 SH   SOLE   38,580 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 922042858   225,222 5,148 SH   DFND   5,148 0 0
VANGUARD SHORT TERM CORP BOND ETF ETF/FIXED INCOME 92206C409   309,462 4,005 SH   SOLE   4,005 0 0
VANGUARD SHORT TERM CORP BOND ETF ETF/FIXED INCOME 92206C409   170,145 2,202 SH   DFND   2,202 0 0
VANGUARD INTERM-TERM GOVT BDETF ETF/FIXED INCOME 92206C706   16,883 290 SH   SOLE   290 0 0
VANGUARD LONG TERM CORP BONDINDEX FUND ETF ETF/FIXED INCOME 92206C813   7,677,784 101,210 SH   SOLE   101,180 0 30
VANGUARD LONG TERM CORP BONDINDEX FUND ETF ETF/FIXED INCOME 92206C813   8,799 116 SH   DFND   116 0 0
VANGUARD LONG TERM TREASURY ETF/FIXED INCOME 92206C847   140,215 2,431 SH   SOLE   2,391 0 40
VANGUARD LONG TERM TREASURY ETF/FIXED INCOME 92206C847   13,324 231 SH   DFND   231 0 0
VANGUARD S&P 500 ETF ETF/EQUITY 922908363   1,143,294 2,286 SH   SOLE   2,286 0 0
VANGUARD REIT ETF ETF/EQUITY 922908553   566,621 6,765 SH   SOLE   6,765 0 0
VANGUARD REIT ETF ETF/EQUITY 922908553   32,246 385 SH   DFND   385 0 0
VANGUARD SMALLCAP VALUE ETF ETF/EQUITY 922908611   182,520 1,000 SH   SOLE   1,000 0 0
VANGUARD GROWTH ETF ETF/EQUITY 922908736   261,802 700 SH   SOLE   700 0 0
VANGUARD GROWTH ETF ETF/EQUITY 922908736   61,710 165 SH   DFND   165 0 0
VANGUARD SMALLCAP ETF ETF/EQUITY 922908751   223,490 1,025 SH   SOLE   1,025 0 0
VANGUARD TOTAL STOCK MARKET ETF ETF/EQUITY 922908769   139,103 520 SH   SOLE   520 0 0
VANGUARD TOTAL STOCK MARKET ETF ETF/EQUITY 922908769   17,083,456 63,861 SH   DFND   63,861 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104   7,555,141 183,246 SH   SOLE   183,246 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104   1,001,381 24,288 SH   DFND   24,288 0 0
VERTEX PHARMACEUTICALS INC COMMON STOCK 92532F100   381,983 815 SH   SOLE   815 0 0
VERTEX PHARMACEUTICALS INC COMMON STOCK 92532F100   74,992 160 SH   DFND   160 0 0
VIATRIS INC COMMON STOCK 92556V106   5,442 512 SH   DFND   512 0 0
VISA INC CLASS A COMMON STOCK 92826C839   2,996,207 11,416 SH   SOLE   11,416 0 0
VISA INC CLASS A COMMON STOCK 92826C839   491,847 1,874 SH   DFND   1,874 0 0
WK KELLOGG CO COMMON STOCK 92942W107   3,290 200 SH   DFND   200 0 0
WABTEC CORP COMMON STOCK 929740108   6,796 43 SH   DFND   43 0 0
WAL MART STORES INC COMMON STOCK 931142103   6,561,257 96,917 SH   SOLE   96,917 0 0
WAL MART STORES INC COMMON STOCK 931142103   1,361,511 20,111 SH   DFND   20,111 0 0
WARNER BROS DISCOVERY INC COMMON STOCK 934423104   8,407 1,130 SH   DFND   1,130 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109   658,570 3,087 SH   SOLE   3,087 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109   179,203 840 SH   DFND   840 0 0
WEBSTER FINANCIAL CORP COMMON STOCK 947890109   20,182 463 SH   DFND   463 0 0
WELLS FARGO & CO COMMON STOCK 949746101   29,690 500 SH   SOLE   500 0 0
WELLS FARGO & CO COMMON STOCK 949746101   107,596 1,812 SH   DFND   1,812 0 0
WILLIAMS COMPANIES INC COMMON STOCK 969457100   425,000 10,000 SH   DFND   10,000 0 0
WISDOMTREE US HIGH DIVIDEND ETF ETF/EQUITY 97717W208   1,302,256 15,395 SH   SOLE   15,395 0 0
WISDOMTREE US HIGH DIVIDEND ETF ETF/EQUITY 97717W208   7,613 90 SH   DFND   90 0 0
WISDOMTREE FLOATING RATE TSY ETF/FIXED INCOME 97717Y527   331,136 6,582 SH   SOLE   6,582 0 0
WOODSIDE ENERGY GROUP LTD FOREIGN EQUITIES 980228308   1,015 54 SH   DFND   54 0 0
SPDR GOLD MINISHARES ETF/OTHER 98149E303   202,051 4,384 SH   SOLE   4,384 0 0
SPDR GOLD MINISHARES ETF/OTHER 98149E303   12,674 275 SH   DFND   275 0 0
ZIMVIE INC COMMON STOCK 98888T107   4,745 260 SH   DFND   260 0 0
ZEBRA TECHNOLOGIES CORP CL A COMMON STOCK 989207105   20,697 67 SH   DFND   67 0 0
ZIMMER HOLDINGS INC COMMON STOCK 98956P102   117,212 1,080 SH   SOLE   1,080 0 0
ZIMMER HOLDINGS INC COMMON STOCK 98956P102   191,012 1,760 SH   DFND   1,760 0 0