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
3M Co COM 88579Y101   367,254 3,494 SH   DFND   0 0 3,494
3M Co COM 88579Y101   356,954 3,396 SH   SOLE   3,396 0 0
AECOM COM 00766T100   37,944 450 SH   DFND   450 0 0
AGILENT TECHS INC COM 00846U101   128,656 930 SH   DFND   778 0 152
AGNC INVESTMENT CORP COM 00123Q104   73,080 7,250 SH   DFND   0 0 7,250
ALBEMARLE CORP COM 012653101   33,156 150 SH   DFND   0 0 150
ALCON AG ORD SHS H01301128   15,519 220 SH   SOLE   220 0 0
ALPHABET INC CAP STK CL A 02079K305   481,307 4,640 SH   DFND   2,660 0 1,980
ALPHABET INC CAP STK CL A 02079K305   6,961,735 67,114 SH   SOLE   65,054 0 2,060
ALTRIA GROUP INC COM 02209S103   194,186 4,352 SH   DFND   0 0 4,352
ALTRIA GROUP INC COM 02209S103   110,435 2,475 SH   SOLE   2,475 0 0
AMER EXPRESS CO COM 025816109   296,910 1,800 SH   DFND   0 0 1,800
AMER EXPRESS CO COM 025816109   233,569 1,416 SH   SOLE   391 0 1,025
AMER INTL GRP COM NEW 026874784   9,820 195 SH   DFND   0 0 195
AMER INTL GRP COM NEW 026874784   109,483 2,174 SH   SOLE   2,174 0 0
ANALOG DEVICES INC COM 032654105   3,550 18 SH   SOLE   18 0 0
ANSYS, INC. COM 03662Q105   998 3 SH   DFND   0 0 3
APA Corp COM 03743Q108   75,798 2,102 SH   DFND   0 0 2,102
APPIAN CORP CL A 03782L101   17,752 400 SH   SOLE   400 0 0
APPLIED MATERIALS COM 038222105   5,527 45 SH   SOLE   45 0 0
ARK Investment Management LLC AUTNMUS TECHNLGY 00214Q203   10,309 205 SH   DFND   0 0 205
ASML HOLDING NV N Y REGISTRY SHS N07059210   13,614 20 SH   SOLE   20 0 0
AT&T INC COM 00206R102   909,178 47,230 SH   DFND   2,700 0 44,530
AT&T INC COM 00206R102   535,015 27,793 SH   SOLE   27,793 0 0
AUTOMATIC DATA PROCESSING COM 053015103   1,435,073 6,446 SH   DFND   161 0 6,285
AUTOMATIC DATA PROCESSING COM 053015103   880,502 3,955 SH   SOLE   2,725 0 1,230
AUTOZONE INC COM 053332102   299,894 122 SH   DFND   0 0 122
AUTOZONE INC COM 053332102   140,115 57 SH   SOLE   57 0 0
AbbVie Inc COM 00287Y109   4,316,696 27,086 SH   DFND   0 0 27,086
AbbVie Inc COM 00287Y109   1,160,692 7,283 SH   SOLE   6,783 0 500
Abbott Laboratories COM 002824100   2,532,209 25,007 SH   DFND   441 0 24,566
Abbott Laboratories COM 002824100   6,341,408 62,625 SH   SOLE   60,618 0 2,007
Accenture PLC SHS CLASS A G1151C101   194,351 680 SH   DFND   359 0 321
Accenture PLC SHS CLASS A G1151C101   4,517,799 15,807 SH   SOLE   15,008 0 799
Adobe Inc COM 00724F101   332,960 864 SH   DFND   374 0 490
Adobe Inc COM 00724F101   4,316,529 11,201 SH   SOLE   10,656 0 545
Advance Auto Parts Inc COM 00751Y106   3,040 25 SH   SOLE   25 0 0
Aflac Inc COM 001055102   178,656 2,769 SH   SOLE   2,769 0 0
Air Products and Chemicals Inc COM 009158106   449,771 1,566 SH   DFND   0 0 1,566
Air Products and Chemicals Inc COM 009158106   14,361 50 SH   SOLE   50 0 0
Alcoa Corp COM 013872106   85,120 2,000 SH   DFND   0 0 2,000
Algonquin Power & Utilities Co COM 015857105   4,200 500 SH   DFND   400 0 100
Allstate Corp/The COM 020002101   4,876 44 SH   DFND   0 0 44
Allstate Corp/The COM 020002101   1,441 13 SH   SOLE   13 0 0
Alphabet Inc CAP STK CL C 02079K107   243,672 2,343 SH   DFND   2,300 0 43
Alphabet Inc CAP STK CL C 02079K107   617,760 5,940 SH   SOLE   5,940 0 0
Alps Closed End Funds/USA SH BEN INT 530158104   13,020 2,100 SH   DFND   0 0 2,100
Amazon.com Inc COM 023135106   335,073 3,244 SH   DFND   2,630 0 614
Amazon.com Inc COM 023135106   5,917,691 57,292 SH   SOLE   53,792 0 3,500
American Airlines Group Inc COM 02376R102   11,579 785 SH   DFND   0 0 785
American Electric Power Co Inc COM 025537101   98,815 1,086 SH   DFND   0 0 1,086
American Electric Power Co Inc COM 025537101   2,275 25 SH   SOLE   25 0 0
American Tower Corp COM 03027X100   7,561 37 SH   SOLE   37 0 0
American Water Works Co Inc COM 030420103   88,480 604 SH   DFND   240 0 364
American Water Works Co Inc COM 030420103   5,096,827 34,793 SH   SOLE   33,748 0 1,045
Ameriprise Financial Inc COM 03076C106   48,734 159 SH   DFND   0 0 159
Amgen Inc COM 031162100   216,608 896 SH   DFND   150 0 746
Amgen Inc COM 031162100   6,494,856 26,866 SH   SOLE   25,322 0 1,544
Anheuser-Busch InBev SA/NV SPONSORED ADR 03524A108   534 8 SH   SOLE   8 0 0
Annaly Capital Management Inc COM NEW 035710839   85,995 4,500 SH   DFND   0 0 4,500
Apollo Commercial Real Estate COM 03762U105   9,310 1,000 SH   DFND   0 0 1,000
Apple Inc COM 037833100   4,087,706 24,789 SH   DFND   4,025 0 20,764
Apple Inc COM 037833100   31,362,991 190,194 SH   SOLE   178,577 0 11,617
ArcBest Corp COM 03937C105   4,621 50 SH   DFND   0 0 50
Arconic Corp COM 03966V107   40,001 1,525 SH   DFND   0 0 1,525
Ares Commercial Real Estate Co COM 04013V108   9,181 1,010 SH   DFND   0 0 1,010
Arthur J Gallagher & Co COM 363576109   347,228 1,815 SH   DFND   327 0 1,488
Arthur J Gallagher & Co COM 363576109   9,198,376 48,081 SH   SOLE   47,265 0 816
Ashland Inc COM 044186104   353,528 3,442 SH   DFND   0 0 3,442
Autoliv Inc COM 052800109   560 6 SH   DFND   0 0 6
Azenta Inc COM 114340102   26,772 600 SH   DFND   600 0 0
B&G Foods Inc COM 05508R106   15,530 1,000 SH   DFND   0 0 1,000
BARRICK GOLD CORP COM 067901108   20,371 1,097 SH   DFND   1,097 0 0
BAXTER INTL INC COM 071813109   44,616 1,100 SH   DFND   0 0 1,100
BAXTER INTL INC COM 071813109   90,287 2,226 SH   SOLE   1,026 0 1,200
BCE Inc COM NEW 05534B760   22,395 500 SH   DFND   500 0 0
BECTON DICKINSON COM 075887109   4,951 20 SH   SOLE   20 0 0
BEST BUY CO INC COM 086516101   97,838 1,250 SH   DFND   0 0 1,250
BK OF AMERICA CORP COM 060505104   194,823 6,812 SH   DFND   100 0 6,712
BK OF AMERICA CORP COM 060505104   33,233 1,162 SH   SOLE   1,162 0 0
BK OF MONTREAL COM 063671101   89,110 1,000 SH   DFND   0 0 1,000
BK OF NOVA SCOTIA COM 064149107   216,548 4,300 SH   DFND   0 0 4,300
BK OF NY MELLON CP COM 064058100   16,313 359 SH   SOLE   125 0 234
BOEING CO COM 097023105   148,064 697 SH   DFND   62 0 635
BOEING CO COM 097023105   8,285 39 SH   SOLE   39 0 0
BP PLC SPONSORED ADR 055622104   10,927 288 SH   DFND   0 0 288
BP PLC SPONSORED ADR 055622104   56,910 1,500 SH   SOLE   1,500 0 0
BRIGHTHOUSE FINANCIAL INC. COM 10922N103   662 15 SH   SOLE   15 0 0
BRISTOL-MYRS SQUIB COM 110122108   323,608 4,669 SH   DFND   1,339 0 3,330
BRISTOL-MYRS SQUIB COM 110122108   514,904 7,429 SH   SOLE   6,979 0 450
BRITISH AMERICAN TOBACCO PLC SPONSORED ADR 110448107   3,512 100 SH   DFND   0 0 100
BRITISH AMERICAN TOBACCO PLC SPONSORED ADR 110448107   12,889 367 SH   SOLE   367 0 0
Bar Harbor Bankshares COM 066849100   43,643 1,650 SH   DFND   0 0 1,650
Bath & Body Works Inc COM 070830104   10,974 300 SH   DFND   0 0 300
Beam Global COM 07373B109   80 5 SH   DFND   0 0 5
Berkshire Hathaway Inc CL B NEW 084670702   134,315 435 SH   DFND   369 0 66
Berkshire Hathaway Inc CL B NEW 084670702   6,005,577 19,450 SH   SOLE   17,671 0 1,779
Beyond Meat Inc COM 08862E109   1,380 85 SH   DFND   0 0 85
Black Hills Corp COM 092113109   82,030 1,300 SH   DFND   1,300 0 0
BlackBerry Ltd COM 09228F103   2,280 500 SH   DFND   0 0 500
BlackRock Fund Advisors MSCI JAPN SMCETF 464286582   34,125 500 SH   DFND   500 0 0
BlackRock Fund Advisors NORTH AMERN NAT 464287374   188,016 4,800 SH   DFND   4,800 0 0
BlackRock Fund Advisors MSCI EAFE ETF 464287465   64,368 900 SH   DFND   0 0 900
BlackRock Fund Advisors MSCI EAFE ETF 464287465   1,017,300 14,224 SH   SOLE   14,224 0 0
BlackRock Fund Advisors RUS MDCP VAL ETF 464287473   26,338 248 SH   SOLE   248 0 0
BlackRock Fund Advisors RUS MD CP GR ETF 464287481   54,630 600 SH   DFND   600 0 0
BlackRock Fund Advisors RUS MD CP GR ETF 464287481   18,210 200 SH   SOLE   200 0 0
BlackRock Fund Advisors RUS MID CAP ETF 464287499   378,267 5,410 SH   SOLE   5,410 0 0
BlackRock Fund Advisors CORE S&P MCP ETF 464287507   2,168,887 8,670 SH   DFND   2,992 0 5,678
BlackRock Fund Advisors CORE S&P MCP ETF 464287507   12,005,679 47,992 SH   SOLE   42,735 0 5,257
BlackRock Fund Advisors NA TEC MULTM ETF 464287531   21,437 300 SH   DFND   300 0 0
BlackRock Fund Advisors S&P MC 400GR ETF 464287606   147,668 2,065 SH   DFND   0 0 2,065
BlackRock Fund Advisors S&P MC 400GR ETF 464287606   61,785 864 SH   SOLE   864 0 0
BlackRock Fund Advisors RUS 1000 ETF 464287622   33,785 150 SH   DFND   150 0 0
BlackRock Fund Advisors RUS 2000 GRW ETF 464287648   733,536 3,234 SH   DFND   0 0 3,234
BlackRock Fund Advisors RUS 2000 GRW ETF 464287648   1,753,319 7,730 SH   SOLE   3,048 0 4,682
BlackRock Fund Advisors CORE S&P US VLU 464287663   20,880 283 SH   SOLE   283 0 0
BlackRock Fund Advisors RUSSELL 3000 ETF 464287689   35,312 150 SH   DFND   150 0 0
BlackRock Fund Advisors U.S. UTILITS ETF 464287697   61,945 740 SH   SOLE   740 0 0
BlackRock Fund Advisors S&P MC 400VL ETF 464287705   9,044 88 SH   SOLE   88 0 0
BlackRock Fund Advisors US INDUSTRIALS 464287754   60,096 600 SH   SOLE   600 0 0
BlackRock Fund Advisors CORE S&P SCP ETF 464287804   263,024 2,720 SH   DFND   1,800 0 920
BlackRock Fund Advisors CORE S&P SCP ETF 464287804   750,199 7,758 SH   SOLE   7,158 0 600
BlackRock Fund Advisors US CONSM STAPLES 464287812   154,403 775 SH   SOLE   775 0 0
BlackRock Fund Advisors SHRT NAT MUN ETF 464288158   839,743 8,022 SH   SOLE   8,022 0 0
BlackRock Fund Advisors EAFE SML CP ETF 464288273   98,787 1,660 SH   DFND   1,650 0 10
BlackRock Fund Advisors EAFE SML CP ETF 464288273   15,532 261 SH   SOLE   261 0 0
BlackRock Fund Advisors MBS ETF 464288588   12,220 129 SH   SOLE   129 0 0
BlackRock Fund Advisors MRGSTR SM CP GR 464288604   75,782 1,944 SH   DFND   0 0 1,944
BlackRock Fund Advisors 10-20 YR TRS ETF 464288653   5,040 44 SH   SOLE   44 0 0
BlackRock Fund Advisors PFD AND INCM SEC 464288687   63,533 2,035 SH   DFND   2,035 0 0
BlackRock Fund Advisors GLOB UTILITS ETF 464288711   18,132 300 SH   DFND   300 0 0
BlackRock Fund Advisors MSCI USA ESG SLC 464288802   7,197 82 SH   DFND   82 0 0
BlackRock Fund Advisors MSCI USA ESG SLC 464288802   6,100,629 69,507 SH   SOLE   68,624 0 883
BlackRock Fund Advisors EAFE GRWTH ETF 464288885   10,305 110 SH   SOLE   110 0 0
BlackRock Fund Advisors RUS TP200 VL ETF 464289420   39,060 600 SH   SOLE   600 0 0
BlackRock Fund Advisors RUS TP200 GR ETF 464289438   13,893 100 SH   DFND   100 0 0
BlackRock Fund Advisors INDIA 50 ETF 464289529   24,666 600 SH   DFND   600 0 0
BlackRock Fund Advisors MSCI USA MIN VOL 46429B697   70,121 964 SH   DFND   513 0 451
BlackRock Fund Advisors MSCI USA MIN VOL 46429B697   3,746,765 51,509 SH   SOLE   49,490 0 2,019
BlackRock Fund Advisors 0-5 YR TIPS ETF 46429B747   31,952 322 SH   SOLE   322 0 0
BlackRock Fund Advisors MSCI USA VALUE 46432F388   11,852 128 SH   SOLE   128 0 0
BlackRock Fund Advisors MSCI USA MMENTM 46432F396   3,198 23 SH   SOLE   23 0 0
BlackRock Fund Advisors CORE MSCI EMKT 46434G103   348,458 7,142 SH   DFND   1,777 0 5,365
BlackRock Fund Advisors CORE MSCI EMKT 46434G103   2,422,863 49,659 SH   SOLE   48,826 0 833
BlackRock Fund Advisors MSCI SINGPOR ETF 46434G780   29,775 1,500 SH   DFND   1,500 0 0
BlackRock Fund Advisors MSCI JPN ETF NEW 46434G822   29,345 500 SH   DFND   500 0 0
BlackRock Fund Advisors ESG AWR MSCI EM 46434G863   3,746 119 SH   DFND   119 0 0
BlackRock Fund Advisors ESG AWR MSCI EM 46434G863   2,706,273 85,968 SH   SOLE   84,525 0 1,443
BlackRock Fund Advisors 0-5YR HI YL CP 46434V407   1,626 39 SH   SOLE   39 0 0
BlackRock Fund Advisors CORE TOTAL USD 46434V613   35,259 764 SH   SOLE   764 0 0
BlackRock Fund Advisors IBONDS DEC23 ETF 46434VAX8   1,245,897 49,460 SH   DFND   0 0 49,460
BlackRock Fund Advisors FALN ANGLS USD 46435G474   430 17 SH   SOLE   17 0 0
BlackRock Fund Advisors ROBOTICS ARTIF 46435U556   785 25 SH   DFND   0 0 25
BlackRock Fund Advisors US INFRASTRUC 46435U713   1,642 44 SH   SOLE   44 0 0
BlackRock Funds/Closed-End/USA COM 09255C106   144,991 13,627 SH   DFND   0 0 13,627
BlackRock Inc COM 09247X101   309,133 462 SH   DFND   190 0 272
BlackRock Inc COM 09247X101   5,933,756 8,868 SH   SOLE   8,708 0 160
Blackstone Inc COM 09260D107   131,760 1,500 SH   SOLE   1,500 0 0
Block Inc CL A 852234103   2,403 35 SH   DFND   0 0 35
Booking Holdings Inc COM 09857L108   153,840 58 SH   SOLE   28 0 30
BrightSpire Capital Inc COM CL A 10949T109   93,220 15,800 SH   DFND   0 0 15,800
Broadcom Inc COM 11135F101   96,231 150 SH   DFND   150 0 0
Broadcom Inc COM 11135F101   234,162 365 SH   SOLE   365 0 0
Brookfield Corp None 11271J107   587 18 SH   DFND   0 0 18
Brookfield Corp None 113004105   131 4 SH   DFND   0 0 4
Brookfield Renewable Partners CL A SUB VTG 11284V105   15,203 435 SH   DFND   0 0 435
Brookfield Renewable Partners PARTNERSHIP UNIT G16258108   18,906 600 SH   DFND   0 0 600
C&F Financial Corp COM 12466Q104   5,171 100 SH   DFND   100 0 0
CARRIER GLOBAL CORP COM 14448C104   10,751 235 SH   DFND   0 0 235
CARRIER GLOBAL CORP COM 14448C104   3,294 72 SH   SOLE   72 0 0
CEMEX SAB DE CV SPON ADR NEW 151290889   5,530 1,000 SH   DFND   0 0 1,000
CHARLES SCHWAB INVESTMENT MANAGEMENT INC EMRG MKTEQ ETF 808524706   59,804 2,439 SH   SOLE   2,439 0 0
CHARLES SCHWAB INVESTMENT MANAGEMENT INC US DIVIDEND EQ 808524797   76,818 1,050 SH   DFND   1,050 0 0
CHARLES SCHWAB INVESTMENT MANAGEMENT INC US TIPS ETF 808524870   13,134 245 SH   DFND   0 0 245
CHARLES SCHWAB INVESTMENT MANAGEMENT INC US TIPS ETF 808524870   21,766 406 SH   SOLE   406 0 0
CHUBB LIMITED COM COM H1467J104   36,700 189 SH   SOLE   189 0 0
CIBC COM 136069101   84,840 2,000 SH   DFND   0 0 2,000
CISCO SYSTEMS COM 17275R102   919,047 17,581 SH   DFND   2,544 0 15,037
CISCO SYSTEMS COM 17275R102   8,756,012 167,499 SH   SOLE   156,469 0 11,030
CME Group Inc COM 12572Q105   19,152 100 SH   SOLE   100 0 0
COGNIZANT TECHNOLO CL A 192446102   7,921 130 SH   DFND   0 0 130
COGNIZANT TECHNOLO CL A 192446102   180,597 2,964 SH   SOLE   914 0 2,050
COLGATE-PALMOLIVE COM 194162103   338,175 4,500 SH   SOLE   4,500 0 0
CONAGRA FOODS INC COM 205887102   90,144 2,400 SH   DFND   0 0 2,400
CONAGRA FOODS INC COM 205887102   12,883 343 SH   SOLE   343 0 0
CONOCOPHILLIPS COM 20825C104   224,016 2,258 SH   DFND   0 0 2,258
CONOCOPHILLIPS COM 20825C104   193,460 1,950 SH   SOLE   1,950 0 0
CORNING INC COM 219350105   540,348 15,316 SH   DFND   2,500 0 12,816
CORNING INC COM 219350105   226,462 6,419 SH   SOLE   6,419 0 0
CRANE HOLDINGS CO COM 224441105   10,215 90 SH   DFND   0 0 90
CUMMINS INC COM 231021106   3,583 15 SH   SOLE   15 0 0
CVS Health Corp COM 126650100   498,249 6,705 SH   DFND   0 0 6,705
CVS Health Corp COM 126650100   12,410 167 SH   SOLE   167 0 0
Cantaloupe Inc COM 138103106   5,159 905 SH   DFND   0 0 905
Capital One Financial Corp COM 14040H105   89,044 926 SH   DFND   0 0 926
Capital Southwest Corp COM 140501107   6,312 355 SH   DFND   0 0 355
Cardinal Health Inc COM 14149Y108   135,145 1,790 SH   SOLE   0 0 1,790
Carpenter Technology Corp COM 144285103   74,123 1,656 SH   SOLE   1,656 0 0
Casella Waste Systems Inc CL A 147448104   2,620,653 31,704 SH   SOLE   31,704 0 0
Catalyst Pharmaceuticals Inc COM 14888U101   17 1 SH   SOLE   1 0 0
Caterpillar Inc COM 149123101   641,667 2,804 SH   DFND   914 0 1,890
Cenovus Energy Inc COM 15135U109   25,701 1,472 SH   DFND   0 0 1,472
ChargePoint Holdings Inc COM CL A 15961R105   1,152 110 SH   DFND   0 0 110
Charles Schwab Corp/The COM 808513105   258,495 4,935 SH   SOLE   4,935 0 0
Charles Schwab Investment Management Inc US BRD MKT ETF 808524102   104,217 2,178 SH   DFND   0 0 2,178
Charles Schwab Investment Management Inc US LRG CAP ETF 808524201   3,821 79 SH   SOLE   79 0 0
Charles Schwab Investment Management Inc US SML CAP ETF 808524607   1,090 26 SH   SOLE   26 0 0
Charles Schwab Investment Management Inc SCHWB FDT INT LG 808524755   73,109 2,338 SH   SOLE   2,338 0 0
Charles Schwab Investment Management Inc INTL EQTY ETF 808524805   1,601 46 SH   SOLE   46 0 0
Charles Schwab Investment Management Inc US AGGREGATE B 808524839   1,126 24 SH   SOLE   24 0 0
Chemed Corp COM 16359R103   173,693 323 SH   SOLE   323 0 0
Chemours Co/The COM 163851108   7,305 244 SH   DFND   0 0 244
Chemours Co/The COM 163851108   599 20 SH   SOLE   20 0 0
Chemung Financial Corp COM 164024101   33,200 800 SH   DFND   0 0 800
Cherry Hill Mortgage Investmen COM 164651101   6,072 1,100 SH   DFND   0 0 1,100
Chevron Corp COM 166764100   783,005 4,799 SH   DFND   0 0 4,799
Chevron Corp COM 166764100   804,379 4,930 SH   SOLE   4,280 0 650
Chimera Investment Corp COM NEW 16934Q208   16,920 3,000 SH   DFND   0 0 3,000
Church & Dwight Co Inc COM 171340102   192,380 2,176 SH   SOLE   2,176 0 0
Churchill Downs Inc COM 171484108   1,285 5 SH   DFND   0 0 5
Cigna Group/The COM 125523100   9,966 39 SH   DFND   0 0 39
Cigna Group/The COM 125523100   1,022 4 SH   SOLE   4 0 0
Citigroup Inc COM NEW 172967424   15,333 327 SH   DFND   0 0 327
Citigroup Inc COM NEW 172967424   5,627 120 SH   SOLE   120 0 0
Clorox Co/The COM 189054109   777,433 4,913 SH   DFND   774 0 4,139
Clorox Co/The COM 189054109   26,584 168 SH   SOLE   168 0 0
Coca-Cola Co/The COM 191216100   1,149,850 18,537 SH   DFND   0 0 18,537
Coca-Cola Co/The COM 191216100   1,813,137 29,230 SH   SOLE   29,230 0 0
Comcast Corp CL A 20030N101   160,056 4,222 SH   DFND   100 0 4,122
Comcast Corp CL A 20030N101   240,615 6,347 SH   SOLE   6,347 0 0
Consolidated Edison Inc COM 209115104   172,971 1,808 SH   DFND   0 0 1,808
Constellation Brands Inc CL A 21036P108   33,884 150 SH   SOLE   150 0 0
Constellation Energy Corp COM 21037T109   87,606 1,116 SH   DFND   0 0 1,116
Constellium SE CL A SHS F21107101   3,056 200 SH   DFND   0 0 200
Corteva Inc COM 22052L104   1,267 21 SH   DFND   0 0 21
Corteva Inc COM 22052L104   2,533 42 SH   SOLE   42 0 0
Costco Wholesale Corp COM 22160K105   571,897 1,151 SH   DFND   125 0 1,026
Costco Wholesale Corp COM 22160K105   6,594,459 13,272 SH   SOLE   12,594 0 678
Crestwood Equity Partners LP UNIT LTD PARTNER 226344208   12,714 510 SH   DFND   0 0 510
Crown Castle Inc COM 22822V101   10,172 76 SH   DFND   0 0 76
DEERE & CO COM 244199105   394,713 956 SH   DFND   0 0 956
DIAGEO SPON ADR NEW 25243Q205   90,590 500 SH   SOLE   500 0 0
DISCOVER FINL SVCS COM 254709108   148,260 1,500 SH   DFND   0 0 1,500
DOMINION RES(VIR) COM 25746U109   118,529 2,120 SH   DFND   0 0 2,120
DOMINION RES(VIR) COM 25746U109   67,092 1,200 SH   SOLE   1,200 0 0
DUKE ENERGY CORP COM NEW 26441C204   669,405 6,939 SH   DFND   2,070 0 4,869
DUKE ENERGY CORP COM NEW 26441C204   5,798,715 60,109 SH   SOLE   59,077 0 1,032
Dana Inc COM 235825205   15,050 1,000 SH   DFND   1,000 0 0
Danaher Corp COM 235851102   326,896 1,297 SH   DFND   1,041 0 256
Danaher Corp COM 235851102   6,897,579 27,367 SH   SOLE   25,377 0 1,990
Darden Restaurants Inc COM 237194105   16,137 104 SH   DFND   0 0 104
Darden Restaurants Inc COM 237194105   31,653 204 SH   SOLE   204 0 0
Dell Technologies Inc CL C 24703L202   1,689 42 SH   SOLE   42 0 0
Delta Air Lines Inc COM NEW 247361702   135,455 3,879 SH   DFND   0 0 3,879
Desktop Metal Inc COM CL A 25058X105   2,300 1,000 SH   DFND   0 0 1,000
Dick's Sporting Goods Inc COM 253393102   198,646 1,400 SH   DFND   0 0 1,400
Dollar General Corp COM 256677105   1,263 6 SH   DFND   0 0 6
Douglas Dynamics Inc COM 25960R105   63,780 2,000 SH   DFND   0 0 2,000
Dow Inc COM 260557103   128,608 2,346 SH   DFND   0 0 2,346
Dow Inc COM 260557103   16,885 308 SH   SOLE   308 0 0
DraftKings Inc COM CL A 26142V105   26,794 1,384 SH   DFND   1,384 0 0
DuPont de Nemours Inc COM 26614N102   6,890 96 SH   DFND   0 0 96
DuPont de Nemours Inc COM 26614N102   25,694 358 SH   SOLE   358 0 0
ECOLAB INC COM 278865100   215,189 1,300 SH   SOLE   1,300 0 0
EDISON INTERNATIONAL COM 281020107   4,588 65 SH   SOLE   65 0 0
EMERSON ELECTRIC COM 291011104   526,238 6,039 SH   DFND   900 0 5,139
EMERSON ELECTRIC COM 291011104   1,068,511 12,262 SH   SOLE   11,826 0 436
EOG Resources Inc COM 26875P101   163,348 1,425 SH   DFND   0 0 1,425
EOG Resources Inc COM 26875P101   4,012 35 SH   SOLE   35 0 0
ETFis Series Trust I VIRTUS INFRCAP 26923G822   14,490 750 SH   DFND   0 0 750
ETRACS ETNs/UBS AG/London/USA ETRACS MNTHLY B 90274E166   33,163 5,880 SH   DFND   0 0 5,880
EXCHANGE TRADED CONCEPTS LLC ROBO GLB ETF 301505707   10,725 196 SH   DFND   0 0 196
EXELON CORP COM 30161N101   140,248 3,348 SH   DFND   0 0 3,348
EXELON CORP COM 30161N101   11,939 285 SH   SOLE   285 0 0
Eagle Point Credit Co Inc COM 269808101   108,349 9,700 SH   DFND   0 0 9,700
Eagle Point Credit Management LLC/USA COM 269817102   4,233 300 SH   DFND   0 0 300
Eastman Chemical Co COM 277432100   68,568 813 SH   SOLE   813 0 0
Eaton Corp PLC SHS G29183103   519,332 3,031 SH   DFND   800 0 2,231
Eaton Corp PLC SHS G29183103   9,081 53 SH   SOLE   53 0 0
Elevance Health Inc COM 036752103   27,129 59 SH   SOLE   59 0 0
Eli Lilly & Co COM 532457108   404,892 1,179 SH   DFND   234 0 945
Eli Lilly & Co COM 532457108   12,172,865 35,446 SH   SOLE   34,558 0 888
Embecta Corp COMMON STOCK 29082K105   112 4 SH   SOLE   4 0 0
Energy Transfer LP COM UT LTD PTN 29273V100   68,585 5,500 SH   DFND   0 0 5,500
Entergy Corp COM 29364G103   129,288 1,200 SH   DFND   0 0 1,200
Enterprise Products Partners L COM 293792107   10,360 400 SH   DFND   0 0 400
Equifax Inc COM 294429105   5,071 25 SH   SOLE   25 0 0
Equity Residential SH BEN INT 29476L107   105,000 1,750 SH   DFND   0 0 1,750
Essential Utilities Inc COM 29670G102   149,239 3,419 SH   SOLE   3,419 0 0
Evergy Inc COM 30034W106   151,822 2,484 SH   DFND   0 0 2,484
Eversource Energy COM 30040W108   156,911 2,005 SH   SOLE   2,005 0 0
Exxon Mobil Corp COM 30231G102   2,059,305 18,779 SH   DFND   3,017 0 15,762
Exxon Mobil Corp COM 30231G102   11,816,413 107,755 SH   SOLE   106,088 0 1,667
FACEBOOK INC CL A 30303M102   129,495 611 SH   DFND   36 0 575
FACEBOOK INC CL A 30303M102   148,358 700 SH   SOLE   700 0 0
FEDEX CORP COM 31428X106   229,175 1,003 SH   DFND   0 0 1,003
FEDEX CORP COM 31428X106   99,165 434 SH   SOLE   434 0 0
FIRST TRUST ADVISORS LP DJ INTERNT IDX 33733E302   14,785 100 SH   DFND   100 0 0
FISERV INC COM 337738108   3,391 30 SH   SOLE   30 0 0
FMC Corp COM NEW 302491303   2,076 17 SH   SOLE   17 0 0
FORD MOTOR CO COM 345370860   96,617 7,668 SH   DFND   0 0 7,668
FORD MOTOR CO COM 345370860   142,947 11,345 SH   SOLE   11,345 0 0
FRANCO-NEVADA CORP COM 351858105   9,477 65 SH   DFND   0 0 65
FREEPORT-MCMOR C&G CL B 35671D857   24,178 591 SH   SOLE   591 0 0
FS KKR Capital Corp COM 302635206   14,800 800 SH   DFND   0 0 800
Fastenal Co COM 311900104   107,880 2,000 SH   DFND   0 0 2,000
Fidelity ETFs/USA HIGH DIVID ETF 316092840   15,232 400 SH   SOLE   400 0 0
Fidelity National Information COM 31620M106   27,165 500 SH   DFND   0 0 500
Fidelity National Information COM 31620M106   1,902 35 SH   SOLE   35 0 0
Financial Institutions Inc COM 317585404   98,039 5,085 SH   DFND   0 0 5,085
First Financial Bancorp COM 320209109   24,186 1,111 SH   SOLE   1,111 0 0
First Trust Advisors LP NAT GAS ETF 33733E807   314,379 13,960 SH   DFND   13,960 0 0
First Trust ETFs/USA INDXX GLOBAL AGR 33734X812   12,813 440 SH   DFND   440 0 0
First Trust ETFs/USA INDXX NAT RE ETF 33734X838   47,922 3,614 SH   DFND   3,614 0 0
FirstEnergy Corp COM 337932107   6,009 150 SH   DFND   0 0 150
FirstEnergy Corp COM 337932107   151,707 3,787 SH   SOLE   3,787 0 0
Flowserve Corp COM 34354P105   3,400 100 SH   DFND   100 0 0
Four Corners Property Trust In COM 35086T109   2,686 100 SH   DFND   0 0 100
Franklin Resources Inc COM 354613101   53,880 2,000 SH   DFND   0 0 2,000
Fresenius Medical Care AG & Co SPONSORED ADR 358029106   21,260 1,000 SH   DFND   0 0 1,000
Fulton Financial Corp COM 360271100   62,909 4,552 SH   SOLE   4,552 0 0
GE HealthCare Technologies Inc None 36266G107   87,444 1,066 SH   DFND   0 0 1,066
GE HealthCare Technologies Inc None 36266G107   71,530 872 SH   SOLE   872 0 0
GEN DYNAMICS CORP COM 369550108   105,433 462 SH   DFND   197 0 265
GEN DYNAMICS CORP COM 369550108   4,889,399 21,425 SH   SOLE   21,012 0 413
GENERAL MILLS INC COM 370334104   305,178 3,571 SH   DFND   0 0 3,571
GENERAL MILLS INC COM 370334104   46,490 544 SH   SOLE   544 0 0
GLOBAL X FDS RBTCS ARTFL INTE 37954Y715   19,151 751 SH   DFND   0 0 751
GOLDMAN SACHS GRP COM 38141G104   276,081 844 SH   DFND   344 0 500
GOLDMAN SACHS GRP COM 38141G104   212,622 650 SH   SOLE   650 0 0
GORMAN-RUPP CO/THE COM 383082104   5,000 200 SH   DFND   200 0 0
GSK PLC SPONSORED ADR 37733W204   3,558 100 SH   DFND   100 0 0
GSK PLC SPONSORED ADR 37733W204   104,036 2,924 SH   SOLE   2,924 0 0
Gaming and Leisure Properties COM 36467J108   6,403 123 SH   SOLE   123 0 0
Generac Holdings Inc COM 368736104   10,801 100 SH   DFND   100 0 0
General Electric Co COM NEW 369604301   306,972 3,211 SH   DFND   0 0 3,211
General Electric Co COM NEW 369604301   274,659 2,873 SH   SOLE   2,873 0 0
General Motors Co COM 37045V100   77,028 2,100 SH   DFND   0 0 2,100
Genuine Parts Co COM 372460105   48,185 288 SH   DFND   288 0 0
Gilead Sciences Inc COM 375558103   830 10 SH   DFND   0 0 10
Gilead Sciences Inc COM 375558103   8,131 98 SH   SOLE   98 0 0
Global X Management Co LLC SOCIAL MED ETF 37950E416   18,500 500 SH   DFND   500 0 0
Global X Management Co LLC None 37960A735   8,899 400 SH   DFND   400 0 0
Goldman Sachs Asset Management LP ACTIVEBETA INT 381430107   7,425 241 SH   DFND   0 0 241
Goldman Sachs Asset Management LP ACTIVEBETA INT 381430107   248,359 8,061 SH   SOLE   7,490 0 571
Goldman Sachs Asset Management LP ACTIVEBETA US LG 381430503   775,651 9,550 SH   SOLE   9,339 0 211
Guidewire Software Inc COM 40171V100   82,050 1,000 SH   DFND   0 0 1,000
HALLIBURTON COM 406216101   7,214 228 SH   DFND   0 0 228
HANESBRANDS INC COM 410345102   3,840 730 SH   DFND   0 0 730
HARBOR CUSTOM DEV INC 8% CONV PFD SR A 41150T207   2,244 400 SH   DFND   0 0 400
HASBRO INC COM 418056107   2,416 45 SH   SOLE   45 0 0
HERSHEY CO (THE) COM 427866108   28,494 112 SH   DFND   0 0 112
HERSHEY CO (THE) COM 427866108   489,485 1,924 SH   SOLE   1,924 0 0
HOLLY ENERGY PARTNERS LP COM UT LTD PTN 435763107   15,633 900 SH   DFND   0 0 900
HORIZON THERAPEUTICS PLC SHS G46188101   10,914 100 SH   DFND   100 0 0
HP Inc COM 40434L105   17,610 600 SH   DFND   0 0 600
Haleon PLC SPON ADS 405552100   2,442 300 SH   DFND   300 0 0
Haleon PLC SPON ADS 405552100   29,744 3,654 SH   SOLE   3,654 0 0
Hartford Financial Services Gr COM 416515104   211,021 3,028 SH   DFND   0 0 3,028
Hawaiian Electric Industries I COM 419870100   19,200 500 SH   DFND   500 0 0
Healthcare Ventures LLC COM 52187K101   410 1,205 SH   DFND   1,205 0 0
Helmerich & Payne Inc COM 423452101   6,399 179 SH   DFND   0 0 179
Hewlett Packard Enterprise Co COM 42824C109   9,208 578 SH   DFND   0 0 578
Home Depot Inc/The COM 437076102   1,204,975 4,083 SH   DFND   1,342 0 2,741
Home Depot Inc/The COM 437076102   7,790,873 26,399 SH   SOLE   26,035 0 364
Honeywell International Inc COM 438516106   371,537 1,944 SH   DFND   384 0 1,560
Honeywell International Inc COM 438516106   7,216,691 37,760 SH   SOLE   36,512 0 1,248
Hormel Foods Corp COM 440452100   39,880 1,000 SH   DFND   0 0 1,000
Howmet Aerospace Inc COM 443201108   258,457 6,100 SH   DFND   0 0 6,100
IDACORP Inc COM 451107106   5,417 50 SH   DFND   50 0 0
ILLINOIS TOOL WKS COM 452308109   489,821 2,012 SH   DFND   162 0 1,850
ILLINOIS TOOL WKS COM 452308109   6,086 25 SH   SOLE   25 0 0
INTERCONTINENTAL EXCHANGE COM 45866F104   49,121 471 SH   DFND   344 0 127
INTERCONTINENTAL EXCHANGE COM 45866F104   3,042,661 29,175 SH   SOLE   27,313 0 1,862
INTL BUSINESS MCHN COM 459200101   576,927 4,401 SH   DFND   300 0 4,101
INTL BUSINESS MCHN COM 459200101   1,402,008 10,695 SH   SOLE   10,225 0 470
INVESCO SHS G491BT108   3,280 200 SH   SOLE   200 0 0
ISHARES S&P 100 ETF 464287101   235,296 1,258 SH   SOLE   1,258 0 0
ISHARES SELECT DIVID ETF 464287168   730,969 6,238 SH   DFND   450 0 5,788
ISHARES SELECT DIVID ETF 464287168   565,979 4,830 SH   SOLE   4,830 0 0
ISHARES CORE S&P500 ETF 464287200   1,144,858 2,785 SH   DFND   0 0 2,785
ISHARES CORE S&P500 ETF 464287200   279,534 680 SH   SOLE   680 0 0
ISHARES IBOXX INV CP ETF 464287242   811,772 7,406 SH   SOLE   7,178 0 228
ISHARES GBL COMM SVC ETF 464287275   32,030 500 SH   DFND   500 0 0
ISHARES S&P 500 GRWT ETF 464287309   352,162 5,512 SH   SOLE   5,512 0 0
ISHARES GLOB HLTHCRE ETF 464287325   300,096 3,600 SH   DFND   3,600 0 0
ISHARES GLOBAL ENERG ETF 464287341   237,888 6,300 SH   DFND   6,300 0 0
ISHARES S&P 500 VAL ETF 464287408   93,939 619 SH   SOLE   619 0 0
ISHARES ISHARES BIOTECH 464287556   116,244 900 SH   DFND   900 0 0
ISHARES RUS 2000 VAL ETF 464287630   191,828 1,400 SH   SOLE   1,400 0 0
ISHARES RUSSELL 2000 ETF 464287655   526,637 2,952 SH   DFND   0 0 2,952
ISHARES RUSSELL 2000 ETF 464287655   165,377 927 SH   SOLE   927 0 0
ISHARES U.S. TECH ETF 464287721   4,641 50 SH   SOLE   50 0 0
ISHARES SP SMCP600VL ETF 464287879   448,015 4,787 SH   SOLE   3,787 0 1,000
ISHARES SHORT TREAS BD 464288679   110,500 1,000 SH   DFND   1,000 0 0
ISHARES EAFE VALUE ETF 464288877   776 16 SH   DFND   0 0 16
ISHARES EAFE VALUE ETF 464288877   26,061 537 SH   SOLE   537 0 0
ISHARES ISHARES 46428Q109   66,360 3,000 SH   DFND   0 0 3,000
ISHARES ISHARES 46428Q109   34,308 1,551 SH   SOLE   1,551 0 0
ISHARES CORE MSCI EAFE 46432F842   578,520 8,654 SH   DFND   1,205 0 7,449
ISHARES CORE MSCI EAFE 46432F842   25,604 383 SH   SOLE   383 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   193,236 4,897 SH   SOLE   4,897 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689   1,264,987 18,699 SH   SOLE   18,699 0 0
ISHARES TRUST TIPS BD ETF 464287176   14,112 128 SH   DFND   0 0 128
ISHARES TRUST GLOBAL TECH ETF 464287291   309,852 5,700 SH   DFND   5,700 0 0
ISHARES TRUST GLOBAL TECH ETF 464287291   198,958 3,660 SH   SOLE   3,660 0 0
ISHARES TRUST 1 3 YR TREAS BD 464287457   542,256 6,600 SH   DFND   6,600 0 0
ISHARES TRUST 1 3 YR TREAS BD 464287457   857,915 10,442 SH   SOLE   10,136 0 306
ISHARES TRUST RUS 1000 VAL ETF 464287598   43,699 287 SH   SOLE   287 0 0
ISHARES TRUST GL TIMB FORE ETF 464288174   53,693 750 SH   DFND   750 0 0
ISHARES TRUST GL CLEAN ENE ETF 464288224   100,878 5,100 SH   SOLE   5,100 0 0
ISHARES/USA RUS 1000 GRW ETF 464287614   48,866 200 SH   SOLE   200 0 0
ISHARES/USA NATIONAL MUN ETF 464288414   727,245 6,750 SH   DFND   0 0 6,750
ISHARES/USA NATIONAL MUN ETF 464288414   209,554 1,945 SH   SOLE   1,945 0 0
ITRON INC COM 465741106   22,180 400 SH   DFND   300 0 100
Ingevity Corp COM 45688C107   107,280 1,500 SH   DFND   0 0 1,500
Intel Corp COM 458140100   760,525 23,279 SH   DFND   449 0 22,830
Intel Corp COM 458140100   1,108,362 33,926 SH   SOLE   30,921 0 3,005
International Paper Co COM 460146103   1,803 50 SH   DFND   0 0 50
International Paper Co COM 460146103   54,775 1,519 SH   SOLE   1,519 0 0
Interpublic Group of Cos Inc/T COM 460690100   130,340 3,500 SH   DFND   0 0 3,500
Intuitive Surgical Inc COM NEW 46120E602   73,831 289 SH   DFND   237 0 52
Intuitive Surgical Inc COM NEW 46120E602   3,835,882 15,015 SH   SOLE   14,567 0 448
Invesco Capital Management LLC UNIT SER 1 46090E103   502,897 1,567 SH   DFND   0 0 1,567
Invesco Capital Management LLC UNIT SER 1 46090E103   242,302 755 SH   SOLE   755 0 0
Invesco Capital Management LLC OPTIMUM YIELD 46090F100   18,372 1,292 SH   SOLE   1,292 0 0
Invesco Capital Management LLC INDIA ETF 46137R109   61,948 3,000 SH   DFND   3,000 0 0
Invesco Capital Management LLC S&P500 EQL ENR 46137V365   122,994 1,800 SH   DFND   1,800 0 0
Invesco Capital Management LLC NASDAQ INTERNT 46137V530   14,089 100 SH   DFND   100 0 0
Invesco Capital Management LLC DYNMC SOFTWARE 46137V639   10,145 100 SH   DFND   100 0 0
Invesco Capital Management LLC DYNMC PHRMCTLS 46137V662   68,400 900 SH   DFND   900 0 0
Invesco Capital Management LLC S&P GBL WATER 46138E263   119,664 2,400 SH   DFND   2,400 0 0
Invesco Capital Management LLC S&P500 LOW VOL 46138E354   21,278 341 SH   SOLE   341 0 0
Invesco Capital Management LLC PFD ETF 46138E511   82,266 7,166 SH   DFND   2,371 0 4,795
Invesco Capital Management LLC PFD ETF 46138E511   4,502,858 392,235 SH   SOLE   389,247 0 2,988
Invesco Capital Management LLC EMRNG MKT SVRG 46138E784   10,990 573 SH   SOLE   573 0 0
Invesco Capital Management LLC S&P SMALLCAP 600 46138G664   3,365 30 SH   DFND   0 0 30
Invesco Capital Management LLC S&P SMALLCAP 600 46138G664   58,654 523 SH   SOLE   523 0 0
Invesco Capital Management LLC S&P 500 REVENUE 46138G698   97,104 1,276 SH   DFND   616 0 660
Invesco Capital Management LLC S&P 500 REVENUE 46138G698   3,098,716 40,719 SH   SOLE   39,251 0 1,468
Invesco Capital Management LLC SOLAR ETF 46138G706   388 5 SH   DFND   0 0 5
Invesco ETFs/USA S&P500 EQL HLT 46137V332   43,752 150 SH   DFND   150 0 0
JPMorgan Chase & Co COM 46625H100   962,991 7,390 SH   DFND   3,744 0 3,646
JPMorgan Chase & Co COM 46625H100   8,320,424 63,851 SH   SOLE   60,730 0 3,121
JUNIPER NETWORKS COM 48203R104   68,840 2,000 SH   DFND   0 0 2,000
Johnson & Johnson COM 478160104   2,002,755 12,921 SH   DFND   1,887 0 11,034
Johnson & Johnson COM 478160104   3,236,710 20,882 SH   SOLE   20,482 0 400
Johnson Controls International SHS G51502105   12,887 214 SH   DFND   0 0 214
Johnson Controls International SHS G51502105   2,168 36 SH   SOLE   36 0 0
KB Home COM 48666K109   24,108 600 SH   DFND   600 0 0
KELLOGG CO COM 487836108   3,214 48 SH   DFND   0 0 48
KELLOGG CO COM 487836108   92,740 1,385 SH   SOLE   1,385 0 0
KIMBERLY-CLARK CP COM 494368103   389,238 2,900 SH   DFND   237 0 2,663
KIMBERLY-CLARK CP COM 494368103   5,232,969 38,988 SH   SOLE   37,893 0 1,095
KIMCO REALTY COM 49446R109   17,577 900 SH   DFND   0 0 900
KLA Corp COM NEW 482480100   3,992 10 SH   SOLE   10 0 0
KRAFT FOODS INC CL A 609207105   133,095 1,909 SH   DFND   0 0 1,909
KRAFT FOODS INC CL A 609207105   154,430 2,215 SH   SOLE   2,215 0 0
KeyCorp COM 493267108   87,640 7,000 SH   DFND   0 0 7,000
KeyCorp COM 493267108   12,520 1,000 SH   SOLE   1,000 0 0
Kinder Morgan Inc COM 49456B101   35,020 2,000 SH   DFND   0 0 2,000
Kinder Morgan Inc COM 49456B101   3,852 220 SH   SOLE   220 0 0
Kraft Heinz Co/The COM 500754106   35,963 930 SH   DFND   0 0 930
Kraft Heinz Co/The COM 500754106   77 2 SH   SOLE   2 0 0
KraneShares ETFs/USA QUADRTC INT RT 500767736   25,674 1,130 SH   DFND   0 0 1,130
Kyndryl Holdings Inc COMMON STOCK 50155Q100   5,107 346 SH   DFND   0 0 346
Kyndryl Holdings Inc COMMON STOCK 50155Q100   2,952 200 SH   SOLE   200 0 0
L3Harris Technologies Inc COM 502431109   83,991 428 SH   DFND   0 0 428
L3Harris Technologies Inc COM 502431109   168,963 861 SH   SOLE   861 0 0
LOWE'S COS INC COM 548661107   182,573 913 SH   DFND   198 0 715
LOWE'S COS INC COM 548661107   932,060 4,661 SH   SOLE   2,393 0 2,268
LUCID GROUP INC COM 549498103   4,261 530 SH   DFND   0 0 530
LULULEMON ATHLETIC COM 550021109   50,987 140 SH   DFND   0 0 140
Laboratory Corp of America Hol COM NEW 50540R409   229,420 1,000 SH   DFND   0 0 1,000
Lamb Weston Holdings Inc COM 513272104   27,802 266 SH   DFND   0 0 266
Leggett & Platt Inc COM 524660107   127,520 4,000 SH   DFND   800 0 3,200
Lincoln National Corp COM 534187109   87,633 3,900 SH   DFND   0 0 3,900
Lindsay Corp COM 535555106   45,339 300 SH   DFND   300 0 0
Lithium Americas Corp COM NEW 53680Q207   4,352 200 SH   DFND   0 0 200
Lockheed Martin Corp COM 539830109   21,746 46 SH   DFND   0 0 46
Lockheed Martin Corp COM 539830109   87,928 186 SH   SOLE   186 0 0
Loews Corp COM 126117100   23,418 600 SH   DFND   0 0 600
Lumentum Holdings Inc COM 55024U109   21,604 400 SH   DFND   400 0 0
M&T Bank Corp COM 55261F104   59,785 500 SH   DFND   0 0 500
MARATHON OIL CORP COM 565849106   47,297 1,974 SH   DFND   0 0 1,974
MARSH & MCLENNAN COM 571748102   102,928 618 SH   SOLE   618 0 0
MASTERCARD INC CL A 57636Q104   182,432 502 SH   DFND   220 0 282
MASTERCARD INC CL A 57636Q104   6,888,437 18,955 SH   SOLE   18,358 0 597
MATTEL INC COM 577081102   1,841 100 SH   DFND   0 0 100
MCCORMICK & CO INC COM NON VTG 579780206   50,342 605 SH   SOLE   605 0 0
MCDONALD'S CORP COM 580135101   1,910,855 6,834 SH   DFND   196 0 6,638
MCDONALD'S CORP COM 580135101   9,435,439 33,745 SH   SOLE   33,082 0 663
MCKESSON CORP COM 58155Q103   90,437 254 SH   SOLE   29 0 225
MDC Holdings Inc COM 552676108   25,654 660 SH   DFND   0 0 660
MDU RES GROUP INC COM 552690109   57,912 1,900 SH   DFND   1,900 0 0
MICROSOFT CORP COM 594918104   8,356,087 28,984 SH   DFND   2,770 0 26,214
MICROSOFT CORP COM 594918104   25,716,648 89,201 SH   SOLE   84,433 0 4,768
MOLSON COORS BREWING CO CL B 60871R209   2,584 50 SH   SOLE   50 0 0
MSC Industrial Direct Co Inc CL A 553530106   134,400 1,600 SH   DFND   0 0 1,600
Macerich Co/The COM 554382101   74,677 7,045 SH   DFND   0 0 7,045
Madison Square Garden Co/The CL A 55825T103   83,006 426 SH   DFND   426 0 0
Marathon Petroleum Corp COM 56585A102   218,964 1,624 SH   DFND   0 0 1,624
Marathon Petroleum Corp COM 56585A102   6,876 51 SH   SOLE   51 0 0
Marriott International Inc/MD CL A 571903202   162,553 979 SH   SOLE   979 0 0
Marriott Vacations Worldwide C COM 57164Y107   11,733 87 SH   SOLE   87 0 0
Masco Corp COM 574599106   174,020 3,500 SH   DFND   0 0 3,500
Medtronic PLC SHS G5960L103   141,569 1,756 SH   DFND   0 0 1,756
Medtronic PLC SHS G5960L103   10,319 128 SH   SOLE   128 0 0
Merck & Co Inc COM 58933Y105   637,063 5,988 SH   DFND   2,106 0 3,882
Merck & Co Inc COM 58933Y105   8,395,341 78,911 SH   SOLE   77,023 0 1,888
MetLife Inc COM 59156R108   86,910 1,500 SH   DFND   0 0 1,500
MetLife Inc COM 59156R108   110,086 1,900 SH   SOLE   750 0 1,150
Microchip Technology Inc COM 595017104   274,798 3,280 SH   DFND   0 0 3,280
Microchip Technology Inc COM 595017104   362,013 4,321 SH   SOLE   4,321 0 0
Micron Technology Inc COM 595112103   1,810 30 SH   DFND   0 0 30
Moderna Inc COM 60770K107   1,536 10 SH   DFND   0 0 10
Moderna Inc COM 60770K107   18,122 118 SH   SOLE   118 0 0
Monroe Capital Corp COM 610335101   66,647 8,712 SH   DFND   0 0 8,712
NBT Bancorp Inc COM 628778102   1,186,457 35,196 SH   DFND   0 0 35,196
NBT Bancorp Inc COM 628778102   412,543 12,238 SH   SOLE   12,238 0 0
NEWMONT MINING CP COM 651639106   79,903 1,630 SH   DFND   1,630 0 0
NEXTERA ENERGY COM 65339F101   164,489 2,134 SH   DFND   0 0 2,134
NEXTERA ENERGY COM 65339F101   394,495 5,118 SH   SOLE   5,118 0 0
NGL Energy Partners LP COM UNIT REPST 62913M107   3,770 1,300 SH   DFND   0 0 1,300
NIKE INC CL B 654106103   264,902 2,160 SH   DFND   0 0 2,160
NIKE INC CL B 654106103   390,976 3,188 SH   SOLE   1,888 0 1,300
NRG Energy Inc COM NEW 629377508   3,429 100 SH   DFND   100 0 0
NVIDIA Corp COM 67066G104   111,108 400 SH   DFND   400 0 0
NVIDIA Corp COM 67066G104   6,944,250 25,000 SH   SOLE   22,621 0 2,379
National Amusements Inc CLASS A COM 92556H107   646 25 SH   DFND   0 0 25
National Amusements Inc CLASS B COM 92556H206   580 26 SH   DFND   0 0 26
National Amusements Inc CLASS B COM 92556H206   4,350 195 SH   SOLE   195 0 0
NewtekOne Inc COM NEW 652526203   3,840 300 SH   DFND   0 0 300
Nokia Oyj SPONSORED ADR 654902204   982 200 SH   SOLE   200 0 0
Norfolk Southern Corp COM 655844108   95,400 450 SH   SOLE   450 0 0
Norwood Financial Corp COM 669549107   147,100 5,000 SH   SOLE   5,000 0 0
Novartis AG SPONSORED ADR 66987V109   111,320 1,210 SH   DFND   650 0 560
Novartis AG SPONSORED ADR 66987V109   131,928 1,434 SH   SOLE   1,434 0 0
Novocure Ltd ORD SHS G6674U108   6,014 100 SH   DFND   0 0 100
Nucor Corp COM 670346105   7,724 50 SH   DFND   0 0 50
Nuveen Closed-End Funds/USA COM 67066X107   115,975 10,505 SH   SOLE   10,505 0 0
OCCIDENTAL PETROLEUM CORP *W EXP 08/03/202 674599162   9,543 234 SH   DFND   0 0 234
OGE Energy Corp COM 670837103   7,532 200 SH   DFND   100 0 100
OMNICOM GROUP INC COM 681919106   204,623 2,169 SH   DFND   0 0 2,169
OMNICOM GROUP INC COM 681919106   5,472 58 SH   SOLE   58 0 0
ORACLE CORP COM 68389X105   219,942 2,367 SH   DFND   2,367 0 0
ORACLE CORP COM 68389X105   542,839 5,842 SH   SOLE   3,087 0 2,755
Occidental Petroleum Corp COM 674599105   117,119 1,876 SH   DFND   0 0 1,876
Organon & Co COMMON STOCK 68622V106   8,279 352 SH   DFND   40 0 312
Organon & Co COMMON STOCK 68622V106   612 26 SH   SOLE   26 0 0
Otis Worldwide Corp COM 68902V107   9,875 117 SH   DFND   0 0 117
Otis Worldwide Corp COM 68902V107   2,954 35 SH   SOLE   35 0 0
Ovintiv Inc COM 69047Q102   10,608 294 SH   DFND   0 0 294
Owens & Minor Inc COM 690732102   728 50 SH   DFND   0 0 50
Owl Rock Capital Corp COM 69121K104   12,169 965 SH   DFND   0 0 965
Oxford Lane Closed End Funds/U COM 691543102   83,680 16,000 SH   DFND   0 0 16,000
PEPSICO INC COM 713448108   1,367,250 7,500 SH   DFND   2,317 0 5,183
PEPSICO INC COM 713448108   8,314,521 45,609 SH   SOLE   43,865 0 1,744
PG&E CORP COM 69331C108   4,851 300 SH   DFND   0 0 300
PHILIP MORRIS INTL COM 718172109   442,488 4,550 SH   DFND   0 0 4,550
PHILIP MORRIS INTL COM 718172109   227,079 2,335 SH   SOLE   2,335 0 0
PIMCO Access Income Fund/Fund SHS BENFIN INT 72203T100   10,024 675 SH   DFND   0 0 675
PIMCO Funds/Closed-End/USA COM BEN SHS 69355M107   12,710 1,025 SH   DFND   0 0 1,025
PIMCO Funds/Closed-End/USA SHS 72201Y101   16,759 930 SH   DFND   0 0 930
PNC Financial Services Group I COM 693475105   322,071 2,534 SH   DFND   0 0 2,534
PPG Industries Inc COM 693506107   213,995 1,602 SH   DFND   700 0 902
PPG Industries Inc COM 693506107   24,312 182 SH   SOLE   30 0 152
PPL CORP COM 69351T106   166,740 6,000 SH   DFND   0 0 6,000
PPL CORP COM 69351T106   36,877 1,327 SH   SOLE   1,327 0 0
PRUDENTIAL FINL COM 744320102   2,896 35 SH   SOLE   35 0 0
Pacific Investment Management Co LLC COM 72201B101   10,600 850 SH   DFND   0 0 850
Palantir Technologies Inc CL A 69608A108   4,225 500 SH   DFND   0 0 500
Parametric Portfolio Associates LLC COM 27828Y108   3,789 300 SH   SOLE   300 0 0
PayPal Holdings Inc COM 70450Y103   136,768 1,801 SH   DFND   1,600 0 201
PayPal Holdings Inc COM 70450Y103   3,783,103 49,817 SH   SOLE   46,745 0 3,072
Paychex Inc COM 704326107   225,628 1,969 SH   DFND   0 0 1,969
Paychex Inc COM 704326107   421,233 3,676 SH   SOLE   3,676 0 0
Penn Entertainment Inc COM 707569109   2,966 100 SH   SOLE   100 0 0
Pfizer Inc COM 717081103   1,065,206 26,108 SH   DFND   3,600 0 22,508
Pfizer Inc COM 717081103   557,899 13,674 SH   SOLE   13,674 0 0
Phillips 66 COM 718546104   156,531 1,544 SH   DFND   0 0 1,544
Pinnacle West Capital Corp COM 723484101   285,264 3,600 SH   DFND   0 0 3,600
Plug Power Inc COM NEW 72919P202   1,406 120 SH   DFND   0 0 120
Portland General Electric Co COM NEW 736508847   29,334 600 SH   DFND   600 0 0
ProShare Advisors LLC S&P 500 DV ARIST 74348A467   1,825 20 SH   DFND   0 0 20
Procter & Gamble Co/The COM 742718109   5,785,528 38,910 SH   DFND   0 0 38,910
Procter & Gamble Co/The COM 742718109   1,901,745 12,790 SH   SOLE   11,765 0 1,025
Public Service Enterprise Grou COM 744573106   167,304 2,679 SH   DFND   602 0 2,077
Public Service Enterprise Grou COM 744573106   6,337,926 101,488 SH   SOLE   99,542 0 1,946
Public Storage COM 74460D109   111,792 370 SH   DFND   157 0 213
Public Storage COM 74460D109   5,243,640 17,355 SH   SOLE   16,895 0 460
QUALCOMM Inc COM 747525103   255,160 2,000 SH   DFND   0 0 2,000
QUALCOMM Inc COM 747525103   3,190 25 SH   SOLE   25 0 0
REALTY INCOME CORP COM 756109104   126,640 2,000 SH   DFND   0 0 2,000
RESTAURANT BRANDS INTERNATIONA COM 76131D103   67,140 1,000 SH   DFND   0 0 1,000
RMR Group Inc/The CL A 74967R106   1,286 49 SH   DFND   0 0 49
ROBLOX Corp CL A 771049103   4,498 100 SH   SOLE   100 0 0
ROCKWELL AUTOMATION COM 773903109   151,420 516 SH   DFND   316 0 200
Ralph Lauren Corp CL A 751212101   116,670 1,000 SH   DFND   0 0 1,000
Raytheon Technologies Corp COM 75513E101   471,435 4,814 SH   DFND   817 0 3,997
Raytheon Technologies Corp COM 75513E101   101,358 1,035 SH   SOLE   102 0 933
Regency Centers Corp COM 758849103   122,360 2,000 SH   DFND   0 0 2,000
Rio Tinto PLC SPONSORED ADR 767204100   164,640 2,400 SH   DFND   0 0 2,400
Rivian Automotive Inc COM CL A 76954A103   232 15 SH   DFND   0 0 15
Rivian Automotive Inc COM CL A 76954A103   2,709 175 SH   SOLE   175 0 0
Roundhill Financial Inc ROUNDHILL SPORTS 53656F789   6,496 400 SH   DFND   400 0 0
Royal Bank of Canada COM 780087102   229,392 2,400 SH   DFND   0 0 2,400
S&P Global Inc COM 78409V104   101,707 295 SH   SOLE   295 0 0
SACHEM CAPITAL CORP COM 78590A109   10,490 2,820 SH   DFND   0 0 2,820
SALESFORCE.COM INC COM 79466L302   114,074 571 SH   DFND   21 0 550
SANDSTORM GOLD LTD COM NEW 80013R206   6,972 1,200 SH   DFND   0 0 1,200
SELECT SECTOR SPDR SBI HEALTHCARE 81369Y209   22,138 171 SH   SOLE   171 0 0
SELECT SECTOR SPDR SBI CONS STPLS 81369Y308   1,569 21 SH   DFND   0 0 21
SELECT SECTOR SPDR SBI CONS STPLS 81369Y308   112,065 1,500 SH   SOLE   1,500 0 0
SELECT SECTOR SPDR SBI CONS DISCR 81369Y407   45,909 307 SH   SOLE   307 0 0
SELECT SECTOR SPDR ENERGY 81369Y506   149,094 1,800 SH   DFND   1,800 0 0
SELECT SECTOR SPDR FINANCIAL 81369Y605   56,263 1,750 SH   DFND   0 0 1,750
SELECT SECTOR SPDR FINANCIAL 81369Y605   41,827 1,301 SH   SOLE   1,301 0 0
SELECT SECTOR SPDR TECHNOLOGY 81369Y803   1,248,249 8,266 SH   DFND   600 0 7,666
SIMON PROP GROUP COM 828806109   1,680 15 SH   SOLE   15 0 0
SMUCKER(JM)CO COM NEW 832696405   36,982 235 SH   DFND   0 0 235
SNAP INC CL A 83304A106   112 10 SH   DFND   0 0 10
SPDR DOW JONES IND UT SER 1 78467X109   893,085 2,685 SH   DFND   0 0 2,685
SPDR GOLD TRUST GOLD SHS 78463V107   5,497 30 SH   SOLE   30 0 0
SPDR SERIES TRUST BBG CONV SEC ETF 78464A359   87,728 1,308 SH   SOLE   1,308 0 0
SPDR SERIES TRUST S&P REGL BKG 78464A698   78,948 1,800 SH   SOLE   1,800 0 0
SPROTT ASSET MANAGEMENT LP/CAN UNIT 85207H104   825,564 53,400 SH   DFND   53,400 0 0
SSGA FUNDS MANAGEMENT PORTFOLIO SHORT 78464A474   207 7 SH   DFND   0 0 7
SSGA FUNDS MANAGEMENT INC NYSE TECH ETF 78464A102   48,482 400 SH   DFND   400 0 0
SSGA FUNDS MANAGEMENT INC PORTFOLIO INTRMD 78464A375   11,761 362 SH   SOLE   362 0 0
SSGA FUNDS MANAGEMENT INC PRTFLO S&P500 VL 78464A508   1,018 25 SH   DFND   0 0 25
SSGA FUNDS MANAGEMENT INC BLOOMBERG SHT TE 78468R408   50,947 2,051 SH   SOLE   2,051 0 0
SSGA FUNDS MANAGEMENT INC PORTFLI HIGH YLD 78468R606   50,832 2,212 SH   SOLE   2,212 0 0
SSGA Funds Management Inc S&P DIVID ETF 78464A763   74,226 600 SH   DFND   600 0 0
SSGA Funds Management Inc S&P DIVID ETF 78464A763   191,998 1,552 SH   SOLE   1,552 0 0
SSgA Funds Management Inc TR UNIT 78462F103   1,749,323 4,273 SH   DFND   511 0 3,762
SSgA Funds Management Inc TR UNIT 78462F103   881,007 2,152 SH   SOLE   2,152 0 0
SSgA Funds Management Inc PRTFLO S&P500 GW 78464A409   33,216 600 SH   SOLE   600 0 0
SSgA Funds Management Inc S&P 400 MDCP VAL 78464A839   595 9 SH   DFND   0 0 9
STARBUCKS CORP COM 855244109   77,993 749 SH   DFND   552 0 197
STARBUCKS CORP COM 855244109   3,351,528 32,186 SH   SOLE   31,124 0 1,062
STATE STREET ETF/USA UTSER1 S&PDCRP 78467Y107   872,813 1,904 SH   DFND   0 0 1,904
SUNPOWER CORP COM 867652406   692 50 SH   DFND   0 0 50
Sarepta Therapeutics Inc COM 803607100   22,328 162 SH   SOLE   162 0 0
Schlumberger NV COM STK 806857108   196,400 4,000 SH   DFND   400 0 3,600
Schwab ETFs/USA SHT TM US TRES 808524862   1,464 30 SH   DFND   0 0 30
Selective Insurance Group Inc COM 816300107   137,085 1,438 SH   SOLE   1,438 0 0
Shake Shack Inc CL A 819047101   2,775 50 SH   DFND   0 0 50
Shell PLC SPON ADS 780259305   185,854 3,230 SH   DFND   0 0 3,230
Sherwin-Williams Co/The COM 824348106   2,023 9 SH   SOLE   9 0 0
Skyworks Solutions Inc COM 83088M102   11,798 100 SH   DFND   0 0 100
Snap-on Inc COM 833034101   172,823 700 SH   DFND   0 0 700
Snowflake Inc CL A 833445109   15,429 100 SH   DFND   100 0 0
Sony Group Corp SPONSORED ADR 835699307   4,533 50 SH   DFND   0 0 50
Southern Co/The COM 842587107   38,617 555 SH   DFND   0 0 555
Southern Co/The COM 842587107   132,202 1,900 SH   SOLE   1,900 0 0
Sprott Asset Management CEFs TR UNIT 85207K107   592,140 71,000 SH   DFND   71,000 0 0
Sprott Asset Management CEFs TR UNIT 85208R101   809,348 42,800 SH   DFND   42,800 0 0
Stanley Black & Decker Inc COM 854502101   120,870 1,500 SH   DFND   0 0 1,500
Stanley Black & Decker Inc COM 854502101   171,635 2,130 SH   SOLE   2,130 0 0
State Street Corp COM 857477103   32,547 430 SH   DFND   100 0 330
State Street ETF/USA S&P RETAIL ETF 78464A714   57,078 900 SH   DFND   900 0 0
State Street Global Advisors Inc S&P INTL SMLCP 78463X871   55,746 1,800 SH   DFND   1,800 0 0
State Street Global Advisors Inc S&P 600 SMCP GRW 78464A201   22,125 300 SH   DFND   300 0 0
State Street Global Advisors Inc S&P SEMICNDCTR 78464A862   20,862 100 SH   DFND   100 0 0
State Street Global Advisors Inc S&P BIOTECH 78464A870   53,347 700 SH   DFND   700 0 0
State Street Global Advisors Inc BLOOMBERG HIGH Y 78468R622   27,382 295 SH   SOLE   295 0 0
State Street Global Advisors Inc BLOOMBERG 1-3 MO 78468R663   14,508 158 SH   DFND   158 0 0
State Street Global Advisors Inc PRTFLO S&P500 HI 78468R788   102,600 2,700 SH   SOLE   2,700 0 0
State Street Global Advisors Inc SBI INT-INDS 81369Y704   39,663 392 SH   SOLE   392 0 0
State Street Global Advisors Inc RL EST SEL SEC 81369Y860   748 20 SH   DFND   0 0 20
Stryker Corp COM 863667101   300,029 1,051 SH   DFND   159 0 892
Stryker Corp COM 863667101   4,323,729 15,146 SH   SOLE   14,218 0 928
Summit Materials Inc CL A 86614U100   28,946 1,016 SH   DFND   1,016 0 0
Sunrun Inc COM 86771W105   2,015 100 SH   SOLE   100 0 0
Sylvamo Corp COMMON STOCK 871332102   648 14 SH   SOLE   14 0 0
Sysco Corp COM 871829107   671,901 8,700 SH   DFND   0 0 8,700
TE Connectivity Ltd SHS H84989104   22,296 170 SH   DFND   0 0 170
TE Connectivity Ltd SHS H84989104   56,657 432 SH   SOLE   432 0 0
TEKLA HEALTHCARE SH BEN INT 87911J103   8,207 465 SH   DFND   0 0 465
TEKLA WORLD HEALTH BEN INT SHS 87911L108   8,794 640 SH   DFND   0 0 640
TEXAS INSTRUMENTS COM 882508104   423,173 2,275 SH   DFND   0 0 2,275
TEXAS INSTRUMENTS COM 882508104   237,721 1,278 SH   SOLE   1,278 0 0
TJX Cos Inc/The COM 872540109   232,964 2,973 SH   DFND   606 0 2,367
TJX Cos Inc/The COM 872540109   6,852,347 87,447 SH   SOLE   82,232 0 5,215
TORONTO-DOMINION COM NEW 891160509   71,880 1,200 SH   DFND   0 0 1,200
TRAVELERS CO INC COM 89417E109   51,423 300 SH   DFND   0 0 300
TRAVELERS CO INC COM 89417E109   68,907 402 SH   SOLE   402 0 0
TSMC SPONSORED ADS 874039100   106,973 1,150 SH   DFND   1,150 0 0
Tanger Factory Outlet Centers COM 875465106   13,741 700 SH   DFND   0 0 700
Target Corp COM 87612E106   335,401 2,025 SH   DFND   0 0 2,025
Target Corp COM 87612E106   300,618 1,815 SH   SOLE   1,815 0 0
Tesla Inc COM 88160R101   238,164 1,148 SH   DFND   0 0 1,148
Tesla Inc COM 88160R101   68,462 330 SH   SOLE   330 0 0
Thermo Fisher Scientific Inc COM 883556102   860,520 1,493 SH   DFND   490 0 1,003
Thermo Fisher Scientific Inc COM 883556102   227,666 395 SH   SOLE   395 0 0
Tompkins Financial Corp COM 890110109   48,036,414 725,516 SH   DFND   0 0 725,516
Tompkins Financial Corp COM 890110109   29,707,103 448,680 SH   SOLE   0 0 448,680
TopBuild Corp COM 89055F103   80,758 388 SH   DFND   0 0 388
TriplePoint Venture Growth BDC COM 89677Y100   17,516 1,450 SH   DFND   0 0 1,450
Truist Financial Corp COM 89832Q109   191,131 5,605 SH   DFND   0 0 5,605
Truist Financial Corp COM 89832Q109   2,558 75 SH   SOLE   75 0 0
TrustCo Bank Corp NY COM NEW 898349204   1,501 47 SH   DFND   0 0 47
Tyson Foods Inc CL A 902494103   100,963 1,702 SH   DFND   0 0 1,702
Tyson Foods Inc CL A 902494103   41,287 696 SH   SOLE   696 0 0
UGI Corp COM 902681105   87,734 2,524 SH   SOLE   2,524 0 0
US Bancorp COM NEW 902973304   4,326 120 SH   SOLE   120 0 0
USA Compression Partners LP COMUNIT LTDPAR 90290N109   23,560 1,115 SH   DFND   0 0 1,115
UTD PARCEL SERV CL B 911312106   320,471 1,652 SH   DFND   249 0 1,403
UTD PARCEL SERV CL B 911312106   7,456,006 38,435 SH   SOLE   37,325 0 1,110
Unilever PLC SPON ADR NEW 904767704   5,193 100 SH   SOLE   100 0 0
Union Pacific Corp COM 907818108   142,492 708 SH   DFND   0 0 708
Union Pacific Corp COM 907818108   189,989 944 SH   SOLE   544 0 400
United States Steel Corp COM 912909108   5,220 200 SH   SOLE   200 0 0
UnitedHealth Group Inc COM 91324P102   472,590 1,000 SH   DFND   0 0 1,000
UnitedHealth Group Inc COM 91324P102   206,522 437 SH   SOLE   437 0 0
VANECK VECTORS ETF AGRIBUSINESS ETF 92189F700   104,232 1,200 SH   DFND   1,200 0 0
VANECK VECTORS ETF JUNIOR GOLD MINE 92189F791   59,250 1,500 SH   DFND   1,500 0 0
VANECK VECTORS ETF VANECK VIETNAM 92189F817   14,616 1,200 SH   DFND   1,200 0 0
VANGUARD S&P 500 ETF SHS 922908363   1,083,082 2,880 SH   DFND   1,537 0 1,343
VANGUARD S&P 500 ETF SHS 922908363   3,255,262 8,656 SH   SOLE   8,470 0 186
VANGUARD ETF/USA DIV APP ETF 921908844   92,406 600 SH   DFND   600 0 0
VANGUARD ETF/USA DIV APP ETF 921908844   62,836 408 SH   SOLE   408 0 0
VANGUARD ETF/USA LONG TERM BOND 921937793   11,036 144 SH   SOLE   144 0 0
VANGUARD ETF/USA STRM INFPROIDX 922020805   1,649,551 34,495 SH   DFND   5,700 0 28,795
VANGUARD ETF/USA STRM INFPROIDX 922020805   2,248 47 SH   SOLE   47 0 0
VANGUARD ETF/USA GLB EX US ETF 922042676   24,342 600 SH   DFND   600 0 0
VANGUARD ETF/USA FTSE EMR MKT ETF 922042858   49,571 1,227 SH   SOLE   1,227 0 0
VANGUARD ETF/USA SHRT TRM CORP BD 92206C409   3,125 41 SH   DFND   0 0 41
VANGUARD ETF/USA INT-TERM CORP 92206C870   17,648 220 SH   SOLE   220 0 0
VANGUARD ETF/USA SM CP VAL ETF 922908611   42,548 268 SH   SOLE   268 0 0
VANGUARD ETF/USA TOTAL STK MKT 922908769   891,101 4,366 SH   DFND   325 0 4,041
VANGUARD ETF/USA TOTAL STK MKT 922908769   226,551 1,110 SH   SOLE   1,110 0 0
VANGUARD GROUP SHORT TRM BOND 921937827   5,966 78 SH   DFND   78 0 0
VANGUARD GROUP SHORT TRM BOND 921937827   107,010 1,399 SH   SOLE   1,399 0 0
VANGUARD GROUP INC/THE TOTAL INT BD ETF 92203J407   7,534 154 SH   SOLE   154 0 0
VANGUARD INTL EQUI FTSE EUROPE ETF 922042874   215,154 3,530 SH   SOLE   582 0 2,948
VERIZON COMMUN COM 92343V104   808,251 20,783 SH   DFND   1,780 0 19,003
VERIZON COMMUN COM 92343V104   6,630,201 170,486 SH   SOLE   167,416 0 3,070
VF Corp COM 918204108   4,078 178 SH   SOLE   178 0 0
VIATRIS INC COM 92556V106   21,991 2,286 SH   DFND   111 0 2,175
VIATRIS INC COM 92556V106   5,070 527 SH   SOLE   527 0 0
VISA INC COM CL A 92826C839   7,891 35 SH   DFND   0 0 35
VISA INC COM CL A 92826C839   345,630 1,533 SH   SOLE   1,533 0 0
VMware Inc CL A COM 928563402   2,247 18 SH   SOLE   18 0 0
Valero Energy Corp COM 91913Y100   9,772 70 SH   SOLE   70 0 0
Valley National Bancorp COM 919794107   148,533 16,075 SH   DFND   0 0 16,075
Valvoline Inc COM 92047W101   329,973 9,444 SH   DFND   0 0 9,444
Van Eck Absolute Return Advisers Corp DIGI TRANSFRM 92189H821   1,856 400 SH   DFND   400 0 0
Van Eck Associates Corp GOLD MINERS ETF 92189F106   155,280 4,800 SH   DFND   4,800 0 0
Van Eck Associates Corp FALLEN ANGEL HG 92189F437   43,571 1,555 SH   DFND   0 0 1,555
Van Eck Associates Corp JP MRGAN EM LOC 92189H300   12,044 477 SH   SOLE   477 0 0
Van Eck Associates Corp RARE EARTH/STRTG 92189H805   81,580 1,000 SH   DFND   1,000 0 0
Vanguard ETF/USA 500 GRTH IDX F 921932505   1,237,678 5,370 SH   SOLE   5,068 0 302
Vanguard ETF/USA VAN FTSE DEV MKT 921943858   1,168,593 25,871 SH   DFND   22,715 0 3,156
Vanguard ETF/USA VAN FTSE DEV MKT 921943858   12,804,385 283,471 SH   SOLE   282,434 0 1,037
Vanguard ETF/USA ENERGY ETF 92204A306   171,345 1,500 SH   DFND   1,500 0 0
Vanguard ETF/USA HEALTH CAR ETF 92204A504   71,538 300 SH   DFND   300 0 0
Vanguard ETF/USA HEALTH CAR ETF 92204A504   130,438 547 SH   SOLE   547 0 0
Vanguard ETF/USA INF TECH ETF 92204A702   115,641 300 SH   DFND   300 0 0
Vanguard ETF/USA UTILITIES ETF 92204A876   95,888 650 SH   DFND   650 0 0
Vanguard ETF/USA MCAP VL IDXVIP 922908512   16,357 122 SH   SOLE   122 0 0
Vanguard ETF/USA REAL ESTATE ETF 922908553   60,204 725 SH   DFND   300 0 425
Vanguard ETF/USA REAL ESTATE ETF 922908553   748,772 9,017 SH   SOLE   7,997 0 1,020
Vanguard ETF/USA SML CP GRW ETF 922908595   33,544 155 SH   SOLE   155 0 0
Vanguard ETF/USA MID CAP ETF 922908629   31,638 150 SH   DFND   150 0 0
Vanguard ETF/USA MID CAP ETF 922908629   380,289 1,803 SH   SOLE   1,803 0 0
Vanguard ETF/USA GROWTH ETF 922908736   40,908 164 SH   SOLE   164 0 0
Vanguard ETF/USA VALUE ETF 922908744   47,924 347 SH   SOLE   347 0 0
Vanguard ETF/USA SMALL CP ETF 922908751   207,568 1,095 SH   DFND   740 0 355
Vanguard ETF/USA SMALL CP ETF 922908751   1,695,993 8,947 SH   SOLE   8,903 0 44
Vanguard Group Inc/The TOTAL BND MRKT 921937835   6,626,833 89,758 SH   SOLE   87,153 0 2,605
Vanguard Group Inc/The INTER TERM TREAS 92206C706   35,197 587 SH   SOLE   587 0 0
Ventas Inc COM 92276F100   2,601 60 SH   SOLE   60 0 0
Vertex Pharmaceuticals Inc COM 92532F100   4,726 15 SH   SOLE   15 0 0
Victoria's Secret & Co COMMON STOCK 926400102   3,415 100 SH   DFND   0 0 100
Vodafone Group PLC SPONSORED ADR 92857W308   16,560 1,500 SH   SOLE   1,500 0 0
Vontier Corp COM 928881101   10,936 400 SH   DFND   400 0 0
WASTE MANAGEMENT COM 94106L109   475,477 2,914 SH   DFND   302 0 2,612
WASTE MANAGEMENT COM 94106L109   8,084,094 49,544 SH   SOLE   48,679 0 865
WEC Energy Group Inc COM 92939U106   47,395 500 SH   DFND   0 0 500
WEC Energy Group Inc COM 92939U106   178,679 1,885 SH   SOLE   1,885 0 0
WELLS FARGO & CO COM 949746101   50,463 1,350 SH   DFND   0 0 1,350
WELLS FARGO & CO COM 949746101   92,329 2,470 SH   SOLE   2,470 0 0
WESTN DIGITAL CORP COM 958102105   11,301 300 SH   DFND   0 0 300
WP Carey Inc COM 92936U109   31,445 406 SH   SOLE   406 0 0
WW Grainger Inc COM 384802104   296,188 430 SH   SOLE   430 0 0
Walgreens Boots Alliance Inc COM 931427108   22,373 647 SH   DFND   577 0 70
Walgreens Boots Alliance Inc COM 931427108   14,005 405 SH   SOLE   405 0 0
Walmart Inc COM 931142103   1,141,410 7,741 SH   DFND   673 0 7,068
Walmart Inc COM 931142103   9,754,997 66,158 SH   SOLE   64,661 0 1,497
Walt Disney Co/The COM 254687106   400,019 3,995 SH   DFND   738 0 3,257
Walt Disney Co/The COM 254687106   361,369 3,609 SH   SOLE   1,859 0 1,750
Warner Bros Discovery Inc COM SER A 934423104   79,577 5,270 SH   DFND   0 0 5,270
Warner Bros Discovery Inc COM SER A 934423104   92,367 6,117 SH   SOLE   6,117 0 0
Webster Financial Corp COM 947890109   991,886 25,162 SH   DFND   0 0 25,162
Westinghouse Air Brake Technol COM 929740108   11,117 110 SH   DFND   0 0 110
Westinghouse Air Brake Technol COM 929740108   6,569 65 SH   SOLE   65 0 0
Westrock Co COM 96145D105   23,767 780 SH   DFND   0 0 780
Wheaton Precious Metals Corp COM 962879102   11,896 247 SH   DFND   0 0 247
Whirlpool Corp COM 963320106   50,564 383 SH   DFND   0 0 383
Willis Towers Watson PLC SHS G96629103   2,091 9 SH   SOLE   9 0 0
WisdomTree Asset Management Inc EM EX ST-OWNED 97717X578   106,404 3,822 SH   DFND   1,567 0 2,255
WisdomTree Asset Management Inc EM EX ST-OWNED 97717X578   582,608 20,927 SH   SOLE   16,848 0 4,079
WisdomTree Asset Management Inc ITL HDG QTLY DIV 97717X594   61,338 1,556 SH   DFND   0 0 1,556
WisdomTree Asset Management Inc US QTLY DIV GRT 97717X669   46,755 750 SH   DFND   750 0 0
WisdomTree Asset Management Inc EUROPE HEDGED EQ 97717X701   64,124 780 SH   DFND   0 0 780
WisdomTree Asset Management Inc EUROPE HEDGED EQ 97717X701   32,144 391 SH   SOLE   391 0 0
WisdomTree ETFs/USA US TOTAL DIVIDND 97717W109   78,403 1,294 SH   SOLE   1,294 0 0
Wolfspeed Inc COM 977852102   650 10 SH   DFND   0 0 10
XA Investments LLC COM 98400T106   6,425 1,000 SH   DFND   0 0 1,000
Xylem Inc/NY COM 98419M100   41,880 400 SH   DFND   0 0 400
YUM BRANDS INC COM 988498101   198,120 1,500 SH   DFND   0 0 1,500
ZIMMER HLDGS INC COM 98956P102   55,556 430 SH   DFND   0 0 430
Zimmer Biomet Holdings Inc COM 98888T107   22 3 SH   DFND   0 0 3
abrdn Funds COM SH BEN INT 00302L108   5,562 1,350 SH   DFND   0 0 1,350
iShares ETFs/USA MSCI PAC JP ETF 464286665   40,024 914 SH   SOLE   914 0 0
iShares ETFs/USA CORE US AGGBD ET 464287226   515,338 5,172 SH   DFND   0 0 5,172
iShares ETFs/USA CORE US AGGBD ET 464287226   246,808 2,477 SH   SOLE   2,477 0 0
iShares ETFs/USA JPMORGAN USD EMG 464288281   4,918 57 SH   SOLE   57 0 0
iShares ETFs/USA 3 7 YR TREAS BD 464288661   18,471 157 SH   DFND   0 0 157
iShares ETFs/USA IBONDS DEC24 ETF 46434VBG4   1,030,813 41,920 SH   DFND   0 0 41,920
iShares ETFs/USA ESG AWR MSCI USA 46435G425   16,914 187 SH   SOLE   187 0 0
iShares ETFs/USA BROAD USD HIGH 46435U853   34,164 961 SH   SOLE   961 0 0
iShares/USA MSCI SWITZERLAND 464286749   126,896 2,800 SH   DFND   2,800 0 0
iSun Inc COM 465246106   103 100 SH   DFND   0 0 100