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   34,490 331 SH   SOLE 0 331 0 0
AMCOR PLC FOREIGN EQUITIES G0250X107   621,815 67,884 SH   SOLE 0 67,884 0 0
AMCOR PLC FOREIGN EQUITIES G0250X107   39,113 4,270 SH   DFND 0 4,270 0 0
EATON CORP PLC FOREIGN EQUITIES G29183103   31,992 150 SH   SOLE 0 150 0 0
EATON CORP PLC FOREIGN EQUITIES G29183103   371,107 1,740 SH   DFND 0 1,740 0 0
LINDE PLC FOREIGN EQUITIES G54950103   55,851 150 SH   SOLE 0 150 0 0
MEDTRONIC PLC FOREIGN EQUITIES G5960L103   31,344 400 SH   DFND 0 400 0 0
TRANE TECHNOLOGIES PLC FOREIGN EQUITIES G8994E103   223,201 1,100 SH   SOLE 0 1,100 0 0
WHITE MTNS INS GROUP LTD FOREIGN EQUITIES G9618E107   100,210 67 SH   SOLE 0 67 0 0
CHUBB LTD FOREIGN EQUITIES H1467J104   2,648,210 12,721 SH   SOLE 0 12,721 0 0
CHUBB LTD FOREIGN EQUITIES H1467J104   265,008 1,273 SH   DFND 0 1,273 0 0
UBS GROUP AG FOREIGN EQUITIES H42097107   24,640 1,000 SH   DFND 0 1,000 0 0
AFLAC INC COMMON STOCK 001055102   20,952 273 SH   SOLE 0 273 0 0
AGCO CORP COMMON STOCK 001084102   11,828 100 SH   DFND 0 100 0 0
AT&T INC COMMON STOCK 00206R102   2,192,350 145,963 SH   SOLE 0 145,963 0 0
AT&T INC COMMON STOCK 00206R102   464,400 30,919 SH   DFND 0 30,919 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100   3,397,366 35,079 SH   SOLE 0 35,079 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100   679,690 7,018 SH   DFND 0 7,018 0 0
ABBVIE INC COMMON STOCK 00287Y109   6,721,236 45,091 SH   SOLE 0 45,091 0 0
ABBVIE INC COMMON STOCK 00287Y109   1,602,987 10,754 SH   DFND 0 10,754 0 0
ADOBE INC COMMON STOCK 00724F101   78,523 154 SH   SOLE 0 154 0 0
AGILENT TECHNOLOGIES INC COMMON STOCK 00846U101   8,498 76 SH   DFND 0 76 0 0
AGENUS INC COMMON STOCK 00847G705   336 300 SH   SOLE 0 300 0 0
AIM IMMUNOTECH INC COMMON STOCK 00901B105   5,951 13,226 SH   SOLE 0 13,226 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106   1,287,713 4,544 SH   SOLE 0 4,544 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106   479,778 1,693 SH   DFND 0 1,693 0 0
ALBEMARLE CORP COMMON STOCK 012653101   1,044,030 6,140 SH   SOLE 0 6,140 0 0
ALBEMARLE CORP COMMON STOCK 012653101   423,399 2,490 SH   DFND 0 2,490 0 0
ALLIANCEBERNSTEIN HLDG LP COMMON STOCK 01881G106   15,170 500 SH   DFND 0 500 0 0
THE ALLSTATE CORPORATION COMMON STOCK 020002101   11,141 100 SH   DFND 0 100 0 0
ALPHABET INC CLASS C COMMON STOCK 02079K107   1,033,704 7,840 SH   SOLE 0 7,840 0 0
ALPHABET INC CLASS C COMMON STOCK 02079K107   46,147 350 SH   DFND 0 350 0 0
ALPHABET INC CLASS A COMMON STOCK 02079K305   4,277,001 32,684 SH   SOLE 0 32,684 0 0
ALPHABET INC CLASS A COMMON STOCK 02079K305   1,245,132 9,515 SH   DFND 0 9,515 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103   140,287 3,337 SH   SOLE 0 3,337 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103   43,048 1,024 SH   DFND 0 1,024 0 0
AMAZON.COM INC COMMON STOCK 023135106   3,039,675 23,912 SH   SOLE 0 23,912 0 0
AMAZON.COM INC COMMON STOCK 023135106   918,439 7,225 SH   DFND 0 7,225 0 0
AMEREN CORPORATION COMMON STOCK 023608102   186,925 2,498 SH   SOLE 0 2,498 0 0
AMERICAN ELECTRIC POWER CO COMMON STOCK 025537101   2,280,782 30,322 SH   SOLE 0 30,322 0 0
AMERICAN ELECTRIC POWER CO COMMON STOCK 025537101   273,422 3,635 SH   DFND 0 3,635 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109   1,087,581 7,290 SH   SOLE 0 7,290 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109   28,643 192 SH   DFND 0 192 0 0
AMERICAN TOWER CORP COMMON STOCK 03027X100   502,393 3,055 SH   SOLE 0 3,055 0 0
AMERICAN TOWER CORP COMMON STOCK 03027X100   164,450 1,000 SH   DFND 0 1,000 0 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103   136,213 1,100 SH   SOLE 0 1,100 0 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103   123,830 1,000 SH   DFND 0 1,000 0 0
AMETEK INC COMMON STOCK 031100100   472,832 3,200 SH   SOLE 0 3,200 0 0
AMETEK INC COMMON STOCK 031100100   295,520 2,000 SH   DFND 0 2,000 0 0
AMGEN INC COMMON STOCK 031162100   3,164,101 11,773 SH   SOLE 0 11,773 0 0
AMGEN INC COMMON STOCK 031162100   797,141 2,966 SH   DFND 0 2,966 0 0
ELEVANCE HEALTH INC COMMON STOCK 036752103   1,846,542 4,241 SH   SOLE 0 4,241 0 0
ELEVANCE HEALTH INC COMMON STOCK 036752103   85,774 197 SH   DFND 0 197 0 0
APOLLO COMM REAL ESTATE COMMON STOCK 03762U105   20,260 2,000 SH   DFND 0 2,000 0 0
APPLE INC COMMON STOCK 037833100   68,630,145 400,854 SH   SOLE 0 400,854 0 0
APPLE INC COMMON STOCK 037833100   834,472 4,874 SH   DFND 0 4,874 0 0
APPLIED MATERIALS INC COMMON STOCK 038222105   55,380 400 SH   SOLE 0 400 0 0
ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102   875,619 11,610 SH   SOLE 0 11,610 0 0
ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102   64,107 850 SH   DFND 0 850 0 0
ARES CAPITAL CORPORATION COMMON STOCK 04010L103   19,460 1,000 SH   SOLE 0 1,000 0 0
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103   2,782,760 11,567 SH   SOLE 0 11,567 0 0
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103   260,788 1,084 SH   DFND 0 1,084 0 0
AVANOS MEDICAL INC COMMON STOCK 05350V106   505 25 SH   DFND 0 25 0 0
BCE INC FOREIGN EQUITIES 05534B760   35,870 940 SH   DFND 0 940 0 0
BP PLC ADR FOREIGN EQUITIES 055622104   9,215 238 SH   SOLE 0 238 0 0
BP PLC ADR FOREIGN EQUITIES 055622104   19,360 500 SH   DFND 0 500 0 0
BANK OF AMERICA CORPORATION COMMON STOCK 060505104   511,022 18,671 SH   SOLE 0 18,671 0 0
BANK OF AMERICA CORPORATION COMMON STOCK 060505104   62,950 2,300 SH   DFND 0 2,300 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100   38,385 900 SH   SOLE 0 900 0 0
BARRICK GOLD CORPORATION FOREIGN EQUITIES 067901108   2,910 200 SH   SOLE 0 200 0 0
BAXTER INTERNATIONAL INC COMMON STOCK 071813109   824,644 21,857 SH   SOLE 0 21,857 0 0
BAXTER INTERNATIONAL INC COMMON STOCK 071813109   50,935 1,350 SH   DFND 0 1,350 0 0
BECTON DICKINSON AND COMPANY COMMON STOCK 075887109   1,146,532 4,435 SH   SOLE 0 4,435 0 0
BECTON DICKINSON AND COMPANY COMMON STOCK 075887109   517 2 SH   DFND 0 2 0 0
BERKSHIRE HATHAWAY INC B COMMON STOCK 084670702   289,689 827 SH   SOLE 0 827 0 0
BERKSHIRE HILLS BANCORP INC COMMON STOCK 084680107   5,290 264 SH   DFND 0 264 0 0
BHP GROUP LTD ADR FOREIGN EQUITIES 088606108   216,144 3,800 SH   SOLE 0 3,800 0 0
BHP GROUP LTD ADR FOREIGN EQUITIES 088606108   22,752 400 SH   DFND 0 400 0 0
BIOGEN INC COMMON STOCK 09062X103   205,608 800 SH   DFND 0 800 0 0
BIONTECH SE ADR FOREIGN EQUITIES 09075V102   10,864 100 SH   SOLE 0 100 0 0
BIONTECH SE ADR FOREIGN EQUITIES 09075V102   10,864 100 SH   DFND 0 100 0 0
BLACKBERRY LTD NPV FOREIGN EQUITIES 09228F103   390 83 SH   DFND 0 83 0 0
BLACKROCK INC COMMON STOCK 09247X101   782,240 1,210 SH   SOLE 0 1,210 0 0
BLACKROCK INC COMMON STOCK 09247X101   439,606 680 SH   DFND 0 680 0 0
BOEING COMPANY COMMON STOCK 097023105   182,096 950 SH   SOLE 0 950 0 0
BOEING COMPANY COMMON STOCK 097023105   38,336 200 SH   DFND 0 200 0 0
BORGWARNER INC COMMON STOCK 099724106   1,208,375 29,940 SH   SOLE 0 29,940 0 0
BORGWARNER INC COMMON STOCK 099724106   32,288 800 SH   DFND 0 800 0 0
BRISTOL MYERS SQUIBB COMPANY COMMON STOCK 110122108   6,242,118 107,549 SH   SOLE 0 107,549 0 0
BRISTOL MYERS SQUIBB COMPANY COMMON STOCK 110122108   5,797,554 99,889 SH   DFND 0 99,889 0 0
BROADCOM INC COMMON STOCK 11135F101   3,798,146 4,573 SH   SOLE 0 4,573 0 0
BROADCOM INC COMMON STOCK 11135F101   1,293,202 1,557 SH   DFND 0 1,557 0 0
BROOKFIELD CORP NPV FOREIGN EQUITIES 11271J107   47,780 1,528 SH   DFND 0 1,528 0 0
BROOKFIELD ASSET MGMT LTD FOREIGN EQUITIES 113004105   12,735 382 SH   DFND 0 382 0 0
C H ROBINSON WORLDWIDE INC COMMON STOCK 12541W209   25,838 300 SH   DFND 0 300 0 0
CIGNA GROUP COMMON STOCK 125523100   114,428 400 SH   SOLE 0 400 0 0
CSX CORP COMMON STOCK 126408103   660,971 21,495 SH   SOLE 0 21,495 0 0
CSX CORP COMMON STOCK 126408103   1,382,520 44,960 SH   DFND 0 44,960 0 0
CVS HEALTH CORP COMMON STOCK 126650100   2,360,168 33,809 SH   SOLE 0 33,809 0 0
CVS HEALTH CORP COMMON STOCK 126650100   499,626 7,157 SH   DFND 0 7,157 0 0
CAMPBELL SOUP CO COMMON STOCK 134429109   16,428 400 SH   DFND 0 400 0 0
CARDINAL HEALTH INC COMMON STOCK 14149Y108   6,337 73 SH   DFND 0 73 0 0
CARRIER GLOBAL CORPORATION COMMON STOCK 14448C104   539,580 9,775 SH   SOLE 0 9,775 0 0
CARRIER GLOBAL CORPORATION COMMON STOCK 14448C104   51,888 940 SH   DFND 0 940 0 0
CATERPILLAR INC COMMON STOCK 149123101   4,706,520 17,240 SH   SOLE 0 17,240 0 0
CATERPILLAR INC COMMON STOCK 149123101   270,270 990 SH   DFND 0 990 0 0
CEL SCI CORP COMMON STOCK 150837607   625 500 SH   SOLE 0 500 0 0
THE CHEMOURS CO COMMON STOCK 163851108   1,682 60 SH   SOLE 0 60 0 0
CHEVRON CORP COMMON STOCK 166764100   4,791,651 28,417 SH   SOLE 0 28,417 0 0
CHEVRON CORP COMMON STOCK 166764100   961,467 5,702 SH   DFND 0 5,702 0 0
CHIPOTLE MEXICAN GRILL COMMON STOCK 169656105   9,159 5 SH   SOLE 0 5 0 0
CHURCH & DWIGHT CO INC COMMON STOCK 171340102   183,260 2,000 SH   SOLE 0 2,000 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102   8,482,920 157,823 SH   SOLE 0 157,823 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102   1,624,212 30,218 SH   DFND 0 30,218 0 0
COCA COLA COMPANY COMMON STOCK 191216100   6,438,740 115,040 SH   SOLE 0 115,040 0 0
COCA COLA COMPANY COMMON STOCK 191216100   530,928 9,486 SH   DFND 0 9,486 0 0
COHERENT CORP COMMON STOCK 19247G107   6,526 200 SH   DFND 0 200 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103   1,273,153 17,904 SH   SOLE 0 17,904 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103   35,555 500 SH   DFND 0 500 0 0
COMCAST CORP CLASS A COMMON STOCK 20030N101   1,608,158 36,269 SH   SOLE 0 36,269 0 0
COMCAST CORP CLASS A COMMON STOCK 20030N101   170,219 3,839 SH   DFND 0 3,839 0 0
COMMUNITY BK SYS INC COMMON STOCK 203607106   354,057 8,388 SH   SOLE 0 8,388 0 0
COMMUNITY BK SYS INC COMMON STOCK 203607106   5,264,051 124,711 SH   DFND 0 124,711 0 0
CONAGRA FOODS INC COMMON STOCK 205887102   1,133,933 41,370 SH   SOLE 0 41,370 0 0
CONAGRA FOODS INC COMMON STOCK 205887102   74,006 2,700 SH   DFND 0 2,700 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104   1,383,084 11,545 SH   SOLE 0 11,545 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104   24,678 206 SH   DFND 0 206 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104   124,873 1,460 SH   SOLE 0 1,460 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104   222,377 2,600 SH   DFND 0 2,600 0 0
CONSTELLATION BRANDS INC COMMON STOCK 21036P108   251,330 1,000 SH   SOLE 0 1,000 0 0
CONSTELLATION BRANDS INC COMMON STOCK 21036P108   251,330 1,000 SH   DFND 0 1,000 0 0
CONSTELLATION ENERGY CORP COMMON STOCK 21037T109   30,760 282 SH   DFND 0 282 0 0
COOPER COMPANIES INC COMMON STOCK 216648402   50,881 160 SH   SOLE 0 160 0 0
CORNING INC COMMON STOCK 219350105   2,217,684 72,807 SH   SOLE 0 72,807 0 0
CORNING INC COMMON STOCK 219350105   116,509 3,825 SH   DFND 0 3,825 0 0
CORTEVA INC COMMON STOCK 22052L104   201,271 3,935 SH   SOLE 0 3,935 0 0
CORTEVA INC COMMON STOCK 22052L104   10,484 205 SH   DFND 0 205 0 0
COSTCO COMMON STOCK 22160K105   12,428 22 SH   SOLE 0 22 0 0
COUPANG INC CL A FOREIGN EQUITIES 22266T109   3,400 200 SH   DFND 0 200 0 0
CROCS INC COMMON STOCK 227046109   78,083 885 SH   SOLE 0 885 0 0
CUMMINS INC COMMON STOCK 231021106   2,100,680 9,195 SH   SOLE 0 9,195 0 0
CUMMINS INC COMMON STOCK 231021106   511,750 2,240 SH   DFND 0 2,240 0 0
DANAHER CORP COMMON STOCK 235851102   119,583 482 SH   SOLE 0 482 0 0
DEERE & COMPANY COMMON STOCK 244199105   833,975 2,210 SH   SOLE 0 2,210 0 0
DEERE & COMPANY COMMON STOCK 244199105   216,993 575 SH   DFND 0 575 0 0
DELL TECHNOLOGIES INC COMMON STOCK 24703L202   1,929 28 SH   DFND 0 28 0 0
DIGI INTL INC COMMON STOCK 253798102   10,800 400 SH   DFND 0 400 0 0
DIME CMNTY BANCSHARES INC COMMON STOCK 25432X102   3,990 200 SH   SOLE 0 200 0 0
WALT DISNEY CO COMMON STOCK 254687106   1,936,567 23,894 SH   SOLE 0 23,894 0 0
WALT DISNEY CO COMMON STOCK 254687106   151,801 1,873 SH   DFND 0 1,873 0 0
DISCOVER FINANCIAL SERVICES COMMON STOCK 254709108   7,969 92 SH   SOLE 0 92 0 0
DOLLAR GENERAL CORP COMMON STOCK 256677105   363,952 3,440 SH   SOLE 0 3,440 0 0
DOLLAR GENERAL CORP COMMON STOCK 256677105   57,132 540 SH   DFND 0 540 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109   931,422 20,856 SH   SOLE 0 20,856 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109   141,836 3,176 SH   DFND 0 3,176 0 0
DORCHESTER MINERALS LP COMMON STOCK 25820R105   1,465,793 50,475 SH   SOLE 0 50,475 0 0
DOW INC COMMON STOCK 260557103   2,418,961 46,916 SH   SOLE 0 46,916 0 0
DOW INC COMMON STOCK 260557103   139,205 2,700 SH   DFND 0 2,700 0 0
DRAFTKINGS INC CL A COMMON STOCK 26142V105   5,886 200 SH   SOLE 0 200 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204   127,535 1,445 SH   SOLE 0 1,445 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204   24,271 275 SH   DFND 0 275 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102   3,314,580 44,438 SH   SOLE 0 44,438 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102   170,953 2,292 SH   DFND 0 2,292 0 0
EOG RESOURCES INC COMMON STOCK 26875P101   802,261 6,329 SH   SOLE 0 6,329 0 0
EOG RESOURCES INC COMMON STOCK 26875P101   31,690 250 SH   DFND 0 250 0 0
EASTMAN CHEMICAL CO COMMON STOCK 277432100   24,243 316 SH   SOLE 0 316 0 0
EBAY INC COMMON STOCK 278642103   8,818 200 SH   SOLE 0 200 0 0
ECOLAB INC COMMON STOCK 278865100   186,340 1,100 SH   SOLE 0 1,100 0 0
EDISON INTL COMMON STOCK 281020107   235,881 3,727 SH   DFND 0 3,727 0 0
EDWARDS LIFESCIENCES CORP COMMON STOCK 28176E108   66,508 960 SH   DFND 0 960 0 0
EMERSON ELECTRIC CO COMMON STOCK 291011104   5,417,307 56,098 SH   SOLE 0 56,098 0 0
EMERSON ELECTRIC CO COMMON STOCK 291011104   615,918 6,378 SH   DFND 0 6,378 0 0
ENBRIDGE INC FOREIGN EQUITIES 29250N105   34,839 1,050 SH   SOLE 0 1,050 0 0
ENBRIDGE INC FOREIGN EQUITIES 29250N105   34,805 1,049 SH   DFND 0 1,049 0 0
ENERGY TRANSFER EQUITY LP COMMON STOCK 29273V100   23,851 1,700 SH   DFND 0 1,700 0 0
ENTERPRISE PRODS PARTNERS LP COMMON STOCK 293792107   30,041 1,098 SH   SOLE 0 1,098 0 0
EQUIFAX INC COMMON STOCK 294429105   503,745 2,750 SH   SOLE 0 2,750 0 0
EQUIFAX INC COMMON STOCK 294429105   183,180 1,000 SH   DFND 0 1,000 0 0
EQUITRANS MIDSTREAM CORP COMMON STOCK 294600101   4,685 500 SH   DFND 0 500 0 0
ESCO TECHNOLOGIES COMMON STOCK 296315104   8,772 84 SH   DFND 0 84 0 0
ESSENTIAL UTILITIES INC COMMON STOCK 29670G102   917,474 26,733 SH   SOLE 0 26,733 0 0
ESSENTIAL UTILITIES INC COMMON STOCK 29670G102   71,214 2,075 SH   DFND 0 2,075 0 0
EXELON CORP COMMON STOCK 30161N101   996,547 26,371 SH   SOLE 0 26,371 0 0
EXELON CORP COMMON STOCK 30161N101   109,022 2,885 SH   DFND 0 2,885 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102   6,350,357 54,009 SH   SOLE 0 54,009 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102   1,335,470 11,358 SH   DFND 0 11,358 0 0
META PLATFORMS INC COMMON STOCK 30303M102   84,056 280 SH   DFND 0 280 0 0
FEDEX CORP COMMON STOCK 31428X106   316,563 1,195 SH   SOLE 0 1,195 0 0
FEDEX CORP COMMON STOCK 31428X106   22,516 85 SH   DFND 0 85 0 0
FIDELITY NATL INFORMATION SV COMMON STOCK 31620M106   55,270 1,000 SH   SOLE 0 1,000 0 0
FIDELITY NATL INFORMATION SV COMMON STOCK 31620M106   55,270 1,000 SH   DFND 0 1,000 0 0
FIFTH THIRD BANCORP COMMON STOCK 316773100   16,584 655 SH   DFND 0 655 0 0
FIRST SOLAR, INC. COMMON STOCK 336433107   807,950 5,000 SH   DFND 0 5,000 0 0
FLEXSHARES GLOBAL UPSTREAM NATURAL RESOURCES ETF/INTERNATIONAL EQUITY 33939L407   1,452,236 35,920 SH   SOLE 0 35,920 0 0
FLEXSHARES GLOBAL UPSTREAM NATURAL RESOURCES ETF/INTERNATIONAL EQUITY 33939L407   62,665 1,550 SH   DFND 0 1,550 0 0
FORD MOTOR COMPANY COMMON STOCK 345370860   24,305 1,957 SH   SOLE 0 1,957 0 0
FORD MOTOR COMPANY COMMON STOCK 345370860   9,936 800 SH   DFND 0 800 0 0
FORTUNE BRANDS HOME & SEC COMMON STOCK 34964C106   29,832 480 SH   SOLE 0 480 0 0
FOX CORP COMMON STOCK 35137L105   171,600 5,500 SH   SOLE 0 5,500 0 0
FRANCO NEVADA CORP FOREIGN EQUITIES 351858105   17,620 132 SH   DFND 0 132 0 0
FRANKLIN FTSE CANADA ETF/INTERNATIONAL EQUITY 35473P827   350,770 11,650 SH   SOLE 0 11,500 0 150
FRANKLIN FTSE CANADA ETF/INTERNATIONAL EQUITY 35473P827   7,979 265 SH   DFND 0 265 0 0
FREEPORT MCMORAN INC COMMON STOCK 35671D857   729,008 19,550 SH   SOLE 0 19,550 0 0
FREEPORT MCMORAN INC COMMON STOCK 35671D857   29,832 800 SH   DFND 0 800 0 0
FRESENIUS MEDICAL CARE AG & CO KGAA FOREIGN EQUITIES 358029106   2,153 100 SH   DFND 0 100 0 0
GABELLI MULTIMEDIA TR INC CLOSED END MUTUAL FUNDS 36239Q109   1,761 299 SH   DFND 0 299 0 0
GABELLI EQUITY TR INC CLOSED END MUTUAL FUNDS 362397101   5,130 1,000 SH   DFND 0 1,000 0 0
GABELLI UTILITY TRUST CLOSED END MUTUAL FUNDS 36240A101   1,749 330 SH   DFND 0 330 0 0
GE HEALTHCARE TECH COMMON STOCK 36266G107   29,319 431 SH   SOLE 0 431 0 0
GE HEALTHCARE TECH COMMON STOCK 36266G107   30,548 449 SH   DFND 0 449 0 0
GAP INC COMMON STOCK 364760108   21,260 2,000 SH   SOLE 0 2,000 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108   1,794,480 8,121 SH   SOLE 0 8,121 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108   30,935 140 SH   DFND 0 140 0 0
GENERAL ELECTRIC CO COMMON STOCK 369604301   199,978 1,809 SH   SOLE 0 1,809 0 0
GENERAL ELECTRIC CO COMMON STOCK 369604301   150,015 1,357 SH   DFND 0 1,357 0 0
GENERAL MILLS INC COMMON STOCK 370334104   2,002,102 31,288 SH   SOLE 0 31,288 0 0
GENERAL MILLS INC COMMON STOCK 370334104   210,526 3,290 SH   DFND 0 3,290 0 0
GENERAL MOTORS CO COMMON STOCK 37045V100   6,594 200 SH   DFND 0 200 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103   1,337,523 17,848 SH   SOLE 0 17,848 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103   168,615 2,250 SH   DFND 0 2,250 0 0
GLOBAL X MLP ETF ETF/EQUITY 37954Y343   30,321 680 SH   SOLE 0 680 0 0
GOLDMAN SACHS ACCESS ULTRAST ETF/FIXED INCOME 381430230   99,860 2,000 SH   SOLE 0 2,000 0 0
GOLDMAN SACHS JUST US LARGE CAP EQUITY ETF ETF/EQUITY 381430396   6,391 105 SH   SOLE 0 105 0 0
GOLDMAN SACHS ACTIVEBETA US LARGE CAP EQ ETF ETF/EQUITY 381430503   505 6 SH   SOLE 0 6 0 0
GRAINGER W W INC COMMON STOCK 384802104   6,918 10 SH   SOLE 0 10 0 0
HP INC COMMON STOCK 40434L105   3,315 129 SH   SOLE 0 129 0 0
HANESBRANDS INC COMMON STOCK 410345102   1,980 500 SH   SOLE 0 500 0 0
HARLEY DAVIDSON INC COMMON STOCK 412822108   6,610 200 SH   SOLE 0 200 0 0
HERSHEY CO COMMON STOCK 427866108   40,016 200 SH   SOLE 0 200 0 0
HEWLETT PACKARD ENTERPRISE COMMON STOCK 42824C109   2,239 129 SH   SOLE 0 129 0 0
HOME DEPOT INC COMMON STOCK 437076102   3,539,945 11,716 SH   SOLE 0 11,716 0 0
HOME DEPOT INC COMMON STOCK 437076102   46,831 155 SH   DFND 0 155 0 0
HONEYWELL INTL INC COMMON STOCK 438516106   2,100,846 11,372 SH   SOLE 0 11,372 0 0
HONEYWELL INTL INC COMMON STOCK 438516106   38,610 209 SH   DFND 0 209 0 0
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109   4,118,364 17,882 SH   SOLE 0 17,882 0 0
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109   580,377 2,520 SH   DFND 0 2,520 0 0
INCYTE CORP COMMON STOCK 45337C102   5,777 100 SH   SOLE 0 100 0 0
INFUSYSTEMS HOLDINGS INC COMMON STOCK 45685K102   9,640 1,000 SH   SOLE 0 1,000 0 0
INGERSOLL RAND INC COMMON STOCK 45687V106   69,773 1,095 SH   SOLE 0 1,095 0 0
INTEL CORP COMMON STOCK 458140100   2,981,611 83,895 SH   SOLE 0 83,895 0 0
INTEL CORP COMMON STOCK 458140100   311,506 8,765 SH   DFND 0 8,765 0 0
INTL BUSINESS MACHINES CORP COMMON STOCK 459200101   9,111,896 64,946 SH   SOLE 0 64,946 0 0
INTL BUSINESS MACHINES CORP COMMON STOCK 459200101   5,745,002 40,948 SH   DFND 0 40,948 0 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103   766,562 21,612 SH   SOLE 0 21,612 0 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103   31,248 881 SH   DFND 0 881 0 0
INVESCO QQQ TRUST ETF/EQUITY 46090E103   875,942 2,445 SH   SOLE 8 2,437 8 0
INVESCO QQQ TRUST ETF/EQUITY 46090E103   87,413 244 SH   DFND 0 244 0 0
INTUIT INC COMMON STOCK 461202103   13,284 26 SH   SOLE 0 26 0 0
INVESCO WILDERHILL CLEAN ENERGY ETF ETF/EQUITY 46137V134   10,151 323 SH   DFND 0 323 0 0
INVESCO FTSE RAFI US1000 ETF ETF/EQUITY 46137V613   14,314 450 SH   SOLE 0 450 0 0
INVESCO VARIABLE RATE PFD ETF/EQUITY 46138G870   1,229,800 55,000 SH   SOLE 0 55,000 0 0
INVESCO BULLETSHS 26 CRP ETF ETF/FIXED INCOME 46138J791   438,596 23,355 SH   SOLE 0 22,830 0 525
INVESCO BULLETSHS 26 CRP ETF ETF/FIXED INCOME 46138J791   12,582 670 SH   DFND 0 670 0 0
IQVIA HLDGS INC COMMON STOCK 46266C105   19,675 100 SH   SOLE 0 100 0 0
IRIDIUM COMMUNICATIONS INC COMMON STOCK 46269C102   6,823 150 SH   DFND 0 150 0 0
ISHARES SILVER TRUST ETF/OTHER 46428Q109   15,255 750 SH   SOLE 0 750 0 0
ISHARES SILVER TRUST ETF/OTHER 46428Q109   33,866 1,665 SH   DFND 0 1,665 0 0
ISHARES GOLD TRUST ETF/OTHER 464285204   3,262,192 93,259 SH   SOLE 0 93,109 0 150
ISHARES MSCI CANADA ETF ETF/INTERNATIONAL EQUITY 464286509   3,593,782 107,439 SH   SOLE 40 107,399 40 0
ISHARES MSCI CANADA ETF ETF/INTERNATIONAL EQUITY 464286509   114,191 3,414 SH   DFND 0 3,414 0 0
ISHARES MSCI EUROZONE ETF ETF/INTERNATIONAL EQUITY 464286608   91,417 2,165 SH   SOLE 0 2,140 0 25
ISHARES CORE S&P TOTAL US STOCK MKT ETF ETF/EQUITY 464287150   1,412 15 SH   SOLE 0 15 0 0
ISHARES SELECT DIVIDEND ETF ETF/EQUITY 464287168   64,584 600 SH   SOLE 0 600 0 0
ISHARES CORE S&P 500 ETF ETF/EQUITY 464287200   46,781,432 108,941 SH   SOLE 38 108,903 38 0
ISHARES CORE S&P 500 ETF ETF/EQUITY 464287200   133,546 311 SH   DFND 0 311 0 0
ISHARES CORE US AGGREGATE BOND ETF ETF/FIXED INCOME 464287226   46,079 490 SH   SOLE 0 490 0 0
ISHARES MSCI EMERGING MKTS ETF ETF/INTERNATIONAL EQUITY 464287234   45,274 1,193 SH   SOLE 0 1,193 0 0
ISHARES IBOXX $ INVMT GRADE CORP BOND ETF ETF/FIXED INCOME 464287242   101,303 993 SH   SOLE 40 953 40 0
ISHARES S&P 500 GROWTH ETF ETF/EQUITY 464287309   665,042 9,720 SH   SOLE 0 9,720 0 0
ISHARES GLOBAL HEALTHCARE ETF/EQUITY 464287325   2,059,005 24,982 SH   SOLE 0 24,957 0 25
ISHARES GLOBAL HEALTHCARE ETF/EQUITY 464287325   3,296 40 SH   DFND 0 40 0 0
ISHARES S&P 500 VALUE ETF ETF/EQUITY 464287408   647,204 4,207 SH   SOLE 0 4,207 0 0
ISHARES 7-10 YEAR TSY BOND ETF/FIXED INCOME 464287440   758,994 8,287 SH   SOLE 0 8,287 0 0
ISHARES 7-10 YEAR TSY BOND ETF/FIXED INCOME 464287440   9,616 105 SH   DFND 0 105 0 0
ISHARES 1-3 YR TREASURY BOND ETF/FIXED INCOME 464287457   278,369 3,438 SH   SOLE 0 3,438 0 0
ISHARES 1-3 YR TREASURY BOND ETF/FIXED INCOME 464287457   2,914 36 SH   DFND 0 36 0 0
ISHARES MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 464287465   2,032,644 29,493 SH   SOLE 0 29,493 0 0
ISHARES MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 464287465   295,458 4,287 SH   DFND 0 4,287 0 0
ISHARES RUSSELL MIDCAP VALUE ETF/EQUITY 464287473   3,894,790 37,328 SH   SOLE 0 37,328 0 0
ISHARES RUSSELL MIDCAP VALUE ETF/EQUITY 464287473   146,075 1,400 SH   DFND 0 1,400 0 0
ISHARES CORE S&P MIDCAP ETF ETF/EQUITY 464287507   13,733,179 55,076 SH   SOLE 0 55,056 0 20
ISHARES CORE S&P MIDCAP ETF ETF/EQUITY 464287507   142,126 570 SH   DFND 0 570 0 0
ISHARES RUSSELL 1000 VALUE ETF/EQUITY 464287598   4,288,569 28,248 SH   SOLE 49 28,074 49 125
ISHARES RUSSELL 1000 VALUE ETF/EQUITY 464287598   191,442 1,261 SH   DFND 0 1,261 0 0
ISHARES S&P MIDCAP 400 GROWTH ETF ETF/EQUITY 464287606   273,067 3,780 SH   SOLE 0 3,780 0 0
ISHARES S&P MIDCAP 400 GROWTH ETF ETF/EQUITY 464287606   43,344 600 SH   DFND 0 600 0 0
ISHARES RUSSELL 1000 GROWTH ETF ETF/EQUITY 464287614   6,263,534 23,549 SH   SOLE 0 23,480 0 69
ISHARES RUSSELL 1000 GROWTH ETF ETF/EQUITY 464287614   180,865 680 SH   DFND 0 680 0 0
ISHARES RUSSELL 2000 VALUE ETF/EQUITY 464287630   28,329 209 SH   DFND 0 209 0 0
ISHARES RUSSELL 2000 GROWTH ETF ETF/EQUITY 464287648   31,605 141 SH   DFND 0 141 0 0
ISHARES RUSSELL 2000 ETF ETF/EQUITY 464287655   1,147,549 6,493 SH   SOLE 36 6,457 36 0
ISHARES RUSSELL 2000 ETF ETF/EQUITY 464287655   122,479 693 SH   DFND 0 693 0 0
ISHARES CORE S&P SMALLCAP ETF ETF/EQUITY 464287804   16,355,749 173,389 SH   SOLE 0 173,331 0 58
ISHARES CORE S&P SMALLCAP ETF ETF/EQUITY 464287804   130,268 1,381 SH   DFND 0 1,381 0 0
ISHARES GLOBAL CLEAN ENERGY ETF/INTERNATIONAL EQUITY 464288224   36,550 2,500 SH   SOLE 0 2,500 0 0
ISHARES GLOBAL CLEAN ENERGY ETF/INTERNATIONAL EQUITY 464288224   13,158 900 SH   DFND 0 900 0 0
ISHARES MSCI ACWI EX US ETF ETF/INTERNATIONAL EQUITY 464288240   2,273,672 48,376 SH   SOLE 44 48,332 44 0
ISHARES MSCI ACWI EX US ETF ETF/INTERNATIONAL EQUITY 464288240   271,942 5,786 SH   DFND 0 5,786 0 0
ISHARES MSCI ACWI ETF ETF/EQUITY 464288257   6,134,199 66,409 SH   SOLE 0 66,409 0 0
ISHARES IBOXX $ HIGH YIELD CORP BOND ETF ETF/FIXED INCOME 464288513   215,629 2,925 SH   SOLE 40 2,885 40 0
ISHARES IBOXX $ HIGH YIELD CORP BOND ETF ETF/FIXED INCOME 464288513   80,572 1,093 SH   DFND 0 1,093 0 0
ISHARES INTERMEDIATE CREDIT BOND ETF ETF/FIXED INCOME 464288638   24,130 496 SH   DFND 0 496 0 0
ISHARES SHORT TERM CORP BOND ETF/FIXED INCOME 464288646   94,675 1,900 SH   DFND 0 1,900 0 0
ISHARES US PREFERRED STOCK ETF/OTHER 464288687   1,976,000 65,561 SH   SOLE 0 65,561 0 0
ISHARES US PREFERRED STOCK ETF/OTHER 464288687   121,461 4,030 SH   DFND 0 4,030 0 0
ISHARES MSCI EAFE VALUE ETF ETF/EQUITY 464288877   1,614 33 SH   SOLE 0 33 0 0
ISHARES CORE HIGH DIVIDEND ETF/EQUITY 46429B663   226,458 2,290 SH   SOLE 0 2,290 0 0
ISHARES EDGE MSCI MIN VOL USA ETF ETF/EQUITY 46429B697   7,409,529 102,370 SH   SOLE 0 102,280 0 90
ISHARES CORE MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 46432F842   38,487,245 598,093 SH   SOLE 0 597,833 0 260
ISHARES CORE MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 46432F842   232,622 3,615 SH   DFND 0 3,615 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 46434G103   10,070,794 211,616 SH   SOLE 0 211,486 0 130
ISHARES CORE MSCI EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 46434G103   15,466 325 SH   DFND 0 325 0 0
ISHARES MSCI EM EX CHINA ETF/INTERNATIONAL EQUITY 46434G764   1,903,244 38,195 SH   SOLE 0 38,170 0 25
ISHARES MSCI EM EX CHINA ETF/INTERNATIONAL EQUITY 46434G764   2,989 60 SH   DFND 0 60 0 0
ISHARES ESG MSCI EM ETF ETF/INTERNATIONAL EQUITY 46434G863   330,088 10,905 SH   SOLE 0 10,905 0 0
ISHARES MSCI ACWI LOW CARBON ETF/EQUITY 46434V464   3,004 20 SH   SOLE 0 20 0 0
ISHARES ESG USD CORP BOND ETF/FIXED INCOME 46435G193   8,156 375 SH   SOLE 0 375 0 0
ISHARES TR ESG AWRE 1 5 YR ETF/FIXED INCOME 46435G243   8,318 350 SH   SOLE 0 350 0 0
ISHARES TR ESG MSCI USA ETF (ESGU) ETF/EQUITY 46435G425   11,737 125 SH   SOLE 0 125 0 0
ISHARES ESG MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 46435G516   355,878 5,148 SH   SOLE 0 5,148 0 0
ISHARES ESG AWARE MSCI SMALLCAP ETF ETF/EQUITY 46435U663   1,177 35 SH   SOLE 0 35 0 0
ISHARES IBONDS DEC 2030 TERM TSY ETF ETF/FIXED INCOME 46436E593   508,413 26,915 SH   SOLE 0 26,325 0 590
ISHARES IBONDS DEC 2030 TERM TSY ETF ETF/FIXED INCOME 46436E593   19,456 1,030 SH   DFND 0 1,030 0 0
ISHARES 0-3 MONTH TREASURY ETF/FIXED INCOME 46436E718   305,523 3,035 SH   SOLE 0 2,968 0 67
ISHARES IBONDS DEC 2028 TERM ETF/FIXED INCOME 46436E833   365,499 16,969 SH   SOLE 0 16,869 0 100
ISHARES IBONDS DEC 2028 TERM ETF/FIXED INCOME 46436E833   7,883 366 SH   DFND 0 366 0 0
JPMORGAN CHASE & CO COMMON STOCK 46625H100   10,874,261 74,985 SH   SOLE 0 74,985 0 0
JPMORGAN CHASE & CO COMMON STOCK 46625H100   1,088,223 7,504 SH   DFND 0 7,504 0 0
JABIL CIRCUIT INC. COMMON STOCK 466313103   25,378 200 SH   SOLE 0 200 0 0
JPMORGAN EQUITY PREMIUM INC ETF/EQUITY 46641Q332   11,216,579 209,421 SH   SOLE 0 209,216 0 205
JPMORGAN EQUITY PREMIUM INC ETF/EQUITY 46641Q332   16,603 310 SH   DFND 0 310 0 0
JACOBS SOLUTIONS INC COMMON STOCK 46982L108   26,481 194 SH   DFND 0 194 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104   5,591,360 35,900 SH   SOLE 0 35,900 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104   1,385,233 8,894 SH   DFND 0 8,894 0 0
KLA CORPORATION COMMON STOCK 482480100   10,090 22 SH   SOLE 0 22 0 0
KELLOGG COMPANY COMMON STOCK 487836108   47,608 800 SH   DFND 0 800 0 0
KENVUE INC COMMON STOCK 49177J102   1,003,152 49,987 SH   SOLE 0 49,987 0 0
KENVUE INC COMMON STOCK 49177J102   169,928 8,467 SH   DFND 0 8,467 0 0
KEURIG DR PEPPER INC COMMON STOCK 49271V100   5,302 168 SH   SOLE 0 168 0 0
KEYCORP COMMON STOCK 493267108   5,380 500 SH   SOLE 0 500 0 0
KEYCORP COMMON STOCK 493267108   5,380 500 SH   DFND 0 500 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103   1,070,964 8,862 SH   SOLE 0 8,862 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103   261,036 2,160 SH   DFND 0 2,160 0 0
KINDER MORGAN INC COMMON STOCK 49456B101   905,704 54,660 SH   SOLE 0 54,660 0 0
KINDER MORGAN INC COMMON STOCK 49456B101   89,145 5,380 SH   DFND 0 5,380 0 0
KRAFT HEINZ COMPANY COMMON STOCK 500754106   78,458 2,333 SH   DFND 0 2,333 0 0
KYNDRYL HOLDINGS INC COMMON STOCK 50155Q100   1,132 75 SH   SOLE 0 75 0 0
LAM RESEARCH CORP COMMON STOCK 512807108   934,482 1,491 SH   SOLE 0 1,491 0 0
LAM RESEARCH CORP COMMON STOCK 512807108   72,077 115 SH   DFND 0 115 0 0
ESTEE LAUDER COMP INC CL A COMMON STOCK 518439104   14,455 100 SH   SOLE 0 100 0 0
LIBERTY ALL STAR EQUITY FD CLOSED END MUTUAL FUNDS 530158104   14,225 2,403 SH   SOLE 0 2,403 0 0
LIBERTY ALL STAR EQUITY FD CLOSED END MUTUAL FUNDS 530158104   14,219 2,402 SH   DFND 0 2,402 0 0
ELI LILLY AND COMPANY COMMON STOCK 532457108   1,593,113 2,966 SH   SOLE 0 2,966 0 0
ELI LILLY AND COMPANY COMMON STOCK 532457108   1,103,800 2,055 SH   DFND 0 2,055 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109   2,499,868 6,113 SH   SOLE 0 6,113 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109   391,768 958 SH   DFND 0 958 0 0
LOEWS CORP COMMON STOCK 540424108   82,303 1,300 SH   DFND 0 1,300 0 0
LOWES COMPANIES INC COMMON STOCK 548661107   4,233,476 20,369 SH   SOLE 0 20,369 0 0
LOWES COMPANIES INC COMMON STOCK 548661107   323,187 1,555 SH   DFND 0 1,555 0 0
LUMEN TECHNOLOGIES INC COMMON STOCK 550241103   2,275 1,614 SH   DFND 0 1,614 0 0
M & T BANK CORP COMMON STOCK 55261F104   198,145 1,567 SH   SOLE 0 1,567 0 0
M & T BANK CORP COMMON STOCK 55261F104   1,093,159 8,645 SH   DFND 0 8,645 0 0
MARATHON PETROLEUM CORP COMMON STOCK 56585A102   52,060 344 SH   DFND 0 344 0 0
MARKEL GROUP INC COMMON STOCK 570535104   48,592 33 SH   SOLE 0 33 0 0
MASTERCARD INC CLASS A COMMON STOCK 57636Q104   831,384 2,100 SH   SOLE 0 2,100 0 0
MASTERCARD INC CLASS A COMMON STOCK 57636Q104   21,774 55 SH   DFND 0 55 0 0
MASTERBRAND INC COMMON STOCK 57638P104   5,832 480 SH   SOLE 0 480 0 0
MCDONALDS CORP COMMON STOCK 580135101   3,849,621 14,613 SH   SOLE 0 14,613 0 0
MCDONALDS CORP COMMON STOCK 580135101   201,791 766 SH   DFND 0 766 0 0
MCKESSON CORP COMMON STOCK 58155Q103   565,292 1,300 SH   SOLE 0 1,300 0 0
MCKESSON CORP COMMON STOCK 58155Q103   243,510 560 SH   DFND 0 560 0 0
MEDPACE HOLDINGS INC COMMON STOCK 58506Q109   9,685 40 SH   SOLE 0 40 0 0
MERCK & COMPANY INC COMMON STOCK 58933Y105   10,050,503 97,626 SH   SOLE 0 97,626 0 0
MERCK & COMPANY INC COMMON STOCK 58933Y105   1,707,827 16,589 SH   DFND 0 16,589 0 0
METLIFE INC COMMON STOCK 59156R108   176,120 2,800 SH   SOLE 0 2,800 0 0
METLIFE INC COMMON STOCK 59156R108   28,933 460 SH   DFND 0 460 0 0
METTLER-TOLEDO INTL COMMON STOCK 592688105   487,550 440 SH   SOLE 0 440 0 0
METTLER-TOLEDO INTL COMMON STOCK 592688105   110,807 100 SH   DFND 0 100 0 0
MICROSOFT CORP COMMON STOCK 594918104   18,586,828 58,866 SH   SOLE 0 58,866 0 0
MICROSOFT CORP COMMON STOCK 594918104   2,569,251 8,137 SH   DFND 0 8,137 0 0
MICRON TECHNOLOGY COMMON STOCK 595112103   17,007 250 SH   SOLE 0 250 0 0
MODERNA INC COMMON STOCK 60770K107   5,164 50 SH   SOLE 0 50 0 0
MOLINA HEALTHCARE INC COMMON STOCK 60855R100   16,394 50 SH   SOLE 0 50 0 0
MONDELEZ INTL INC CL A COMMON STOCK 609207105   424,727 6,120 SH   SOLE 0 6,120 0 0
MONDELEZ INTL INC CL A COMMON STOCK 609207105   192,585 2,775 SH   DFND 0 2,775 0 0
MORGAN STANLEY COMMON STOCK 617446448   1,805,371 22,106 SH   SOLE 0 22,106 0 0
MORGAN STANLEY COMMON STOCK 617446448   22,458 275 SH   DFND 0 275 0 0
ETF CALVERT US MID-CAP CORE ETF/EQUITY 61774R403   1,903 40 SH   SOLE 0 40 0 0
MURPHY OIL CORPORATION COMMON STOCK 626717102   14,871 328 SH   SOLE 0 328 0 0
MURPHY USA INC COMMON STOCK 626755102   28,021 82 SH   SOLE 0 82 0 0
NBT BANCORP INC COMMON STOCK 628778102   383,073 12,092 SH   SOLE 0 12,092 0 0
NBT BANCORP INC COMMON STOCK 628778102   299,278 9,447 SH   DFND 0 9,447 0 0
NATIONAL FUEL GAS COMPANY COMMON STOCK 636180101   98,610 1,900 SH   SOLE 0 1,900 0 0
NATIONAL FUEL GAS COMPANY COMMON STOCK 636180101   5,190 100 SH   DFND 0 100 0 0
NATIONAL GRID PLC ADR FOREIGN EQUITIES 636274409   65,055 1,073 SH   DFND 0 1,073 0 0
NETFLIX INC COMMON STOCK 64110L106   132,156 350 SH   SOLE 0 350 0 0
NEW YORK CMNTY BANCORP INC COMMON STOCK 649445103   11,340 1,000 SH   SOLE 0 1,000 0 0
NEW YORK CMNTY BANCORP INC COMMON STOCK 649445103   1,984 175 SH   DFND 0 175 0 0
NEWELL RUBBERMAID INC COMMON STOCK 651229106   6,546 725 SH   SOLE 0 0 0 725
NEXSTAR MEDIA GROUP INC COMMON STOCK 65336K103   7,168 50 SH   SOLE 0 50 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101   2,043,899 35,677 SH   SOLE 0 35,677 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101   1,093,662 19,090 SH   DFND 0 19,090 0 0
NIKE INC CLASS B COMMON STOCK 654106103   2,062,517 21,570 SH   SOLE 0 21,570 0 0
NIKE INC CLASS B COMMON STOCK 654106103   50,295 526 SH   DFND 0 526 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108   1,679,989 8,531 SH   SOLE 0 8,531 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108   254,038 1,290 SH   DFND 0 1,290 0 0
NORTHROP GRUMMAN CORP COMMON STOCK 666807102   88,038 200 SH   DFND 0 200 0 0
NORWOOD FINANCIAL CORP COMMON STOCK 669549107   102,793 3,992 SH   SOLE 0 3,992 0 0
NOVARTIS AG ADR FOREIGN EQUITIES 66987V109   267,688 2,628 SH   SOLE 0 2,628 0 0
NUCOR CORP COMMON STOCK 670346105   4,958,599 31,715 SH   SOLE 0 31,715 0 0
NUCOR CORP COMMON STOCK 670346105   1,009,705 6,458 SH   DFND 0 6,458 0 0
NVIDIA CORPORATION COMMON STOCK 67066G104   2,497,216 5,741 SH   SOLE 0 5,741 0 0
NVIDIA CORPORATION COMMON STOCK 67066G104   271,862 625 SH   DFND 0 625 0 0
OAKTREE SPECIALTY LENDING COMMON STOCK 67401P405   20,110 1,000 SH   SOLE 0 1,000 0 0
OCCIDENTAL PETE CORP star W EXP 08/03/2027 WARRANTS & RIGHTS 674599162   605 14 SH   SOLE 0 14 0 0
OLIN CORP COMMON STOCK 680665205   19,988 400 SH   DFND 0 400 0 0
OMNICOM GROUP INC COMMON STOCK 681919106   3,088,231 41,470 SH   SOLE 0 41,470 0 0
OMNICOM GROUP INC COMMON STOCK 681919106   148,191 1,990 SH   DFND 0 1,990 0 0
ONEOK INC COMMON STOCK 682680103   24,991 394 SH   SOLE 0 394 0 0
OPEN LENDING CORP COMMON STOCK 68373J104   1,464 200 SH   SOLE 0 200 0 0
ORACLE CORP COMMON STOCK 68389X105   248,912 2,350 SH   SOLE 0 2,350 0 0
ORACLE CORP COMMON STOCK 68389X105   84,736 800 SH   DFND 0 800 0 0
ORANGE SA ADR FOREIGN EQUITIES 684060106   45,960 4,000 SH   DFND 0 4,000 0 0
ORGANON & CO COMMON STOCK 68622V106   6,996 403 SH   SOLE 0 403 0 0
ORGANON & CO COMMON STOCK 68622V106   1,543 89 SH   DFND 0 89 0 0
OTIS WORLDWIDE CORP COMMON STOCK 68902V107   6,023 75 SH   SOLE 0 75 0 0
OTIS WORLDWIDE CORP COMMON STOCK 68902V107   26,100 325 SH   DFND 0 325 0 0
PNC FINL SVCS GROUP INC COMMON STOCK 693475105   1,392,205 11,340 SH   SOLE 0 11,340 0 0
PNC FINL SVCS GROUP INC COMMON STOCK 693475105   55,860 455 SH   DFND 0 455 0 0
PPG INDUSTRIES INC COMMON STOCK 693506107   51,920 400 SH   SOLE 0 400 0 0
PPL CORP COMMON STOCK 69351T106   11,775 500 SH   DFND 0 500 0 0
PAYCHEX INC COMMON STOCK 704326107   23,066 200 SH   SOLE 0 200 0 0
PAYCHEX INC COMMON STOCK 704326107   66,314 575 SH   DFND 0 575 0 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103   11,690 200 SH   SOLE 0 200 0 0
PEOPLES FINL SVCS CORP COMMON STOCK 711040105   48,828 1,218 SH   SOLE 0 1,218 0 0
PEPSICO INC COMMON STOCK 713448108   9,138,017 53,931 SH   SOLE 0 53,931 0 0
PEPSICO INC COMMON STOCK 713448108   1,060,009 6,256 SH   DFND 0 6,256 0 0
PFIZER INC COMMON STOCK 717081103   4,175,784 125,929 SH   SOLE 0 125,929 0 0
PFIZER INC COMMON STOCK 717081103   999,771 30,150 SH   DFND 0 30,150 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109   111,096 1,200 SH   SOLE 0 1,200 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109   63,787 689 SH   DFND 0 689 0 0
PHILLIPS 66 COMMON STOCK 718546104   2,046,961 17,037 SH   SOLE 0 17,037 0 0
PHILLIPS 66 COMMON STOCK 718546104   48,059 400 SH   DFND 0 400 0 0
PIMCO ENHANCED SHORT MAT ESG ETF/FIXED INCOME 72201R643   105,479 1,075 SH   SOLE 0 1,075 0 0
PIMCO ENHANCED LOW DURATION ETF/FIXED INCOME 72201R718   93,740 1,000 SH   SOLE 0 1,000 0 0
PIMCO ENHANCED SHORT MATURE ACTIVE ETF ETF/FIXED INCOME 72201R833   100,140 1,000 SH   SOLE 0 1,000 0 0
PLAINS ALL AMERICAN PIPELINE COMMON STOCK 726503105   45,960 3,000 SH   DFND 0 3,000 0 0
PRINCIPAL SPECTRUM PFD SEC ETF/EQUITY 74255Y888   1,989,480 118,000 SH   SOLE 0 118,000 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109   7,960,399 54,576 SH   SOLE 0 54,576 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109   1,019,264 6,988 SH   DFND 0 6,988 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102   5,503 58 SH   SOLE 0 58 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102   20,401 215 SH   DFND 0 215 0 0
PUBLIC SVC ENTERPRISE GROUP COMMON STOCK 744573106   3,547,524 62,347 SH   SOLE 0 62,347 0 0
PUBLIC SVC ENTERPRISE GROUP COMMON STOCK 744573106   739,813 13,002 SH   DFND 0 13,002 0 0
PULTE GROUP INC COMMON STOCK 745867101   15,548 210 SH   DFND 0 210 0 0
QUALCOMM INC COMMON STOCK 747525103   3,093,769 27,857 SH   SOLE 0 27,857 0 0
QUALCOMM INC COMMON STOCK 747525103   310,967 2,800 SH   DFND 0 2,800 0 0
RTX CORP COMMON STOCK 75513E101   2,023,540 28,117 SH   SOLE 0 28,117 0 0
RTX CORP COMMON STOCK 75513E101   305,578 4,246 SH   DFND 0 4,246 0 0
REALTY INCOME CORP COMMON STOCK 756109104   16,676 334 SH   SOLE 0 334 0 0
REGULUS THERAPEUTICS INC COMMON STOCK 75915K309   938 690 SH   SOLE 0 690 0 0
REPUBLIC SERVICES INC COMMON STOCK 760759100   14,251 100 SH   SOLE 0 100 0 0
RIBBONS COMMUNICATIONS INC COMMON STOCK 762544104   3,752 1,400 SH   SOLE 0 1,400 0 0
ROCKWELL AUTOMATION INC COMMON STOCK 773903109   34,303 120 SH   DFND 0 120 0 0
ROPER INDS INC COMMON STOCK 776696106   306,542 633 SH   SOLE 0 633 0 0
ROYAL BANK OF CANADA FOREIGN EQUITIES 780087102   672,413 7,690 SH   SOLE 0 7,690 0 0
ROYAL BANK OF CANADA FOREIGN EQUITIES 780087102   113,497 1,298 SH   DFND 0 1,298 0 0
S&P GLOBAL INC COMMON STOCK 78409V104   235,683 645 SH   SOLE 0 645 0 0
S&P GLOBAL INC COMMON STOCK 78409V104   139,217 381 SH   DFND 0 381 0 0
SPDR S&P 500 ETF ETF/EQUITY 78462F103   7,304,563 17,088 SH   SOLE 0 17,088 0 0
SPDR S&P 500 ETF ETF/EQUITY 78462F103   322,737 755 SH   DFND 0 755 0 0
SPDR GOLD SHARES ETF/OTHER 78463V107   51,435 300 SH   SOLE 0 300 0 0
SPDR GOLD SHARES ETF/OTHER 78463V107   724,376 4,225 SH   DFND 0 4,225 0 0
SPDR INTERM CORP BOND ETF ETF/FIXED INCOME 78464A375   784,354 24,940 SH   SOLE 0 24,530 0 410
SPDR INTERM CORP BOND ETF ETF/FIXED INCOME 78464A375   19,970 635 SH   DFND 0 635 0 0
SPDR PORTFOLIO S&P500 GROWTH ETF/EQUITY 78464A409   491,402 8,291 SH   SOLE 0 8,291 0 0
SPDR PORTFOLIO S&P 500 VALUE ETF/EQUITY 78464A508   523,169 12,683 SH   SOLE 0 12,683 0 0
SPDR PORTFOLIO S&P 500 ETF/EQUITY 78464A854   888,965 17,691 SH   SOLE 0 17,521 0 170
SPDR PORTFOLIO S&P 500 ETF/EQUITY 78464A854   7,286 145 SH   DFND 0 145 0 0
SPDR BLACKSTONE/GSO SENIOR LOAN ETF ETF/FIXED INCOME 78467V608   270,658 6,455 SH   SOLE 0 6,455 0 0
SPDR DOUBLELINE TOTAL RETURNTACT ETF ETF/FIXED INCOME 78467V848   3,970,260 102,750 SH   SOLE 0 102,750 0 0
SPDR S&P MIDCAP 400 ETF ETF/EQUITY 78467Y107   5,643,121 12,358 SH   SOLE 16 12,342 16 0
SPDR S&P MIDCAP 400 ETF ETF/EQUITY 78467Y107   110,962 243 SH   DFND 0 243 0 0
SPDR PORTFOLIO SMALLCAP ETF ETF/EQUITY 78468R853   30,913 838 SH   SOLE 0 838 0 0
SALESFORCE INC COMMON STOCK 79466L302   63,672 314 SH   SOLE 0 314 0 0
SLB FOREIGN EQUITIES 806857108   68,082 1,168 SH   SOLE 0 1,168 0 0
SLB FOREIGN EQUITIES 806857108   73,795 1,266 SH   DFND 0 1,266 0 0
SCHWAB US SMALL CAP ETF ETF/EQUITY 808524607   2,803,555 67,703 SH   SOLE 0 67,703 0 0
SCHWAB US SMALL CAP ETF ETF/EQUITY 808524607   244,977 5,916 SH   DFND 0 5,916 0 0
MATERIALS SELECT SECTOR SPDR ETF/EQUITY 81369Y100   180,089 2,293 SH   SOLE 0 2,293 0 0
MATERIALS SELECT SECTOR SPDR ETF/EQUITY 81369Y100   784,221 9,985 SH   DFND 0 9,985 0 0
HEALTH CARE SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y209   436,544 3,391 SH   SOLE 0 3,391 0 0
HEALTH CARE SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y209   8,496 66 SH   DFND 0 66 0 0
CONSUMER STAPLES SECTOR SPDR ETF/EQUITY 81369Y308   218,811 3,180 SH   SOLE 0 3,180 0 0
CONSUMER STAPLES SECTOR SPDR ETF/EQUITY 81369Y308   13,417 195 SH   DFND 0 195 0 0
CONSUMER DISCRET SEL SECT SPDR ETF ETF/EQUITY 81369Y407   256,760 1,595 SH   SOLE 0 1,595 0 0
CONSUMER DISCRET SEL SECT SPDR ETF ETF/EQUITY 81369Y407   15,615 97 SH   DFND 0 97 0 0
ENERGY SELECT SECTOR SPDR ETF/EQUITY 81369Y506   2,553,030 28,245 SH   SOLE 0 28,245 0 0
ENERGY SELECT SECTOR SPDR ETF/EQUITY 81369Y506   249,473 2,760 SH   DFND 0 2,760 0 0
SPDR FINANCIAL SELECT SECTOR ETF/EQUITY 81369Y605   101,999 3,076 SH   SOLE 0 3,076 0 0
SPDR INDUSTRIALS (XLI) ETF/EQUITY 81369Y704   105,435 1,040 SH   SOLE 0 1,040 0 0
TECHNOLOGY SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y803   460,964 2,812 SH   SOLE 0 2,812 0 0
TECHNOLOGY SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y803   37,867 231 SH   DFND 0 231 0 0
SELECT SECTOR SPDR TR COMMUNICATION ETF/EQUITY 81369Y852   37,171 567 SH   SOLE 0 567 0 0
UTILITIES SELECT SECTOR SPDR ETF/EQUITY 81369Y886   116,676 1,980 SH   SOLE 0 1,980 0 0
UTILITIES SELECT SECTOR SPDR ETF/EQUITY 81369Y886   8,544 145 SH   DFND 0 145 0 0
SEMPRA ENERGY COMMON STOCK 816851109   1,467,390 21,570 SH   SOLE 0 21,570 0 0
SEMPRA ENERGY COMMON STOCK 816851109   109,527 1,610 SH   DFND 0 1,610 0 0
SIXTH ST SPECIALTY LENDING COMMON STOCK 83012A109   20,430 1,000 SH   SOLE 0 1,000 0 0
JM SMUCKER COMPANY COMMON STOCK 832696405   4,670 38 SH   DFND 0 38 0 0
SNAP ON INC COMMON STOCK 833034101   76,518 300 SH   DFND 0 300 0 0
SNAP INC COMMON STOCK 83304A106   2,673 300 SH   DFND 0 300 0 0
SOUTHERN COMPANY COMMON STOCK 842587107   36,178 559 SH   SOLE 0 559 0 0
SOUTHERN COMPANY COMMON STOCK 842587107   84,136 1,300 SH   DFND 0 1,300 0 0
SPROTT PHYSICAL GOLD TRUST ETF/OTHER 85207H104   353,045 24,654 SH   SOLE 0 24,654 0 0
STAG INDL INC COMMON STOCK 85254J102   6,900 200 SH   SOLE 0 200 0 0
STARBUCKS CORP COMMON STOCK 855244109   987,516 10,820 SH   SOLE 0 10,820 0 0
STARBUCKS CORP COMMON STOCK 855244109   47,458 520 SH   DFND 0 520 0 0
STATE STREET CORP COMMON STOCK 857477103   53,560 800 SH   DFND 0 800 0 0
STRYKER CORP COMMON STOCK 863667101   1,757,324 6,431 SH   SOLE 0 6,431 0 0
STRYKER CORP COMMON STOCK 863667101   35,250 129 SH   DFND 0 129 0 0
SUBURBAN PROPANE PARTNERS LP COMMON STOCK 864482104   10,586 660 SH   SOLE 0 660 0 0
SUN COMMUNITIES INC COMMON STOCK 866674104   26,153 221 SH   SOLE 0 221 0 0
SYSCO CORP COMMON STOCK 871829107   159,486 2,415 SH   SOLE 0 2,415 0 0
SYSCO CORP COMMON STOCK 871829107   92,456 1,400 SH   DFND 0 1,400 0 0
TJX COMPANIES COMMON STOCK 872540109   342,631 3,855 SH   SOLE 0 3,855 0 0
TJX COMPANIES COMMON STOCK 872540109   9,154 103 SH   DFND 0 103 0 0
T MOBILE US INC COMMON STOCK 872590104   88,511 632 SH   DFND 0 632 0 0
TARGET CORP COMMON STOCK 87612E106   2,000,487 18,093 SH   SOLE 0 18,093 0 0
TARGET CORP COMMON STOCK 87612E106   89,777 812 SH   DFND 0 812 0 0
TELEDYNE TECHNOLOGIES INC COMMON STOCK 879360105   76,402 187 SH   DFND 0 187 0 0
TENARIS SA ADR FOREIGN EQUITIES 88031M109   31,590 1,000 SH   SOLE 0 1,000 0 0
TERADATA CORP COMMON STOCK 88076W103   4,862 108 SH   DFND 0 108 0 0
TESLA MOTORS INC COMMON STOCK 88160R101   211,684 846 SH   SOLE 0 846 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104   4,697,098 29,540 SH   SOLE 0 29,540 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104   164,572 1,035 SH   DFND 0 1,035 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102   1,516,434 2,996 SH   SOLE 0 2,996 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102   298,634 590 SH   DFND 0 590 0 0
3M COMPANY COMMON STOCK 88579Y101   102,982 1,100 SH   SOLE 0 1,100 0 0
3M COMPANY COMMON STOCK 88579Y101   132,940 1,420 SH   DFND 0 1,420 0 0
TOMPKINS FINANCIAL CORP COMMON STOCK 890110109   97,980 2,000 SH   SOLE 0 2,000 0 0
TOMPKINS FINANCIAL CORP COMMON STOCK 890110109   210,657 4,300 SH   DFND 0 4,300 0 0
TORONTO DOMINION BANK FOREIGN EQUITIES 891160509   643,456 10,678 SH   SOLE 0 10,678 0 0
TORONTO DOMINION BANK FOREIGN EQUITIES 891160509   19,584 325 SH   DFND 0 325 0 0
TOYOTA MOTOR CORP FOREIGN EQUITIES 892331307   107,850 600 SH   DFND 0 600 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109   1,289,311 7,895 SH   SOLE 0 7,895 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109   72,671 445 SH   DFND 0 445 0 0
TRUIST FINANCIAL CORP COMMON STOCK 89832Q109   2,463,050 86,092 SH   SOLE 0 86,092 0 0
TRUIST FINANCIAL CORP COMMON STOCK 89832Q109   138,896 4,855 SH   DFND 0 4,855 0 0
US BANCORP COMMON STOCK 902973304   1,643,351 49,724 SH   SOLE 0 49,724 0 0
US BANCORP COMMON STOCK 902973304   211,022 6,385 SH   DFND 0 6,385 0 0
UNION PACIFIC CORP COMMON STOCK 907818108   1,542,073 7,573 SH   SOLE 0 7,573 0 0
UNION PACIFIC CORP COMMON STOCK 907818108   638,378 3,135 SH   DFND 0 3,135 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106   4,483,360 28,764 SH   SOLE 0 28,764 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106   263,880 1,693 SH   DFND 0 1,693 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102   3,783,883 7,505 SH   SOLE 0 7,505 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102   650,401 1,290 SH   DFND 0 1,290 0 0
VBI VACCINES INC COMMON STOCK 91822J202   186 283 SH   SOLE 0 283 0 0
VANECK VECTORS GOLD MINERS ETF ETF/INTERNATIONAL EQUITY 92189F106   538,000 20,000 SH   DFND 0 20,000 0 0
VANECK VECTORS ETF TR GREEN BD ETF ETF/FIXED INCOME 92189F171   2,266 100 SH   SOLE 0 100 0 0
VANGUARD DIVIDEND APPRECIATION ETF ETF/EQUITY 921908844   1,171,561 7,540 SH   SOLE 0 7,540 0 0
VANGUARD TOTAL INTL STOCK ETF ETF/INTERNATIONAL EQUITY 921909768   160,399 2,997 SH   SOLE 0 2,997 0 0
VANGUARD MEGA CAP GROWTH ETF/EQUITY 921910816   19,286 85 SH   SOLE 0 85 0 0
VANGUARD SHORT TERM BOND ETF ETF/FIXED INCOME 921937827   121,399 1,615 SH   SOLE 0 1,615 0 0
VANGUARD SHORT TERM BOND ETF ETF/FIXED INCOME 921937827   105,238 1,400 SH   DFND 0 1,400 0 0
VANGUARD TOTAL BOND MRKT ETF ETF/FIXED INCOME 921937835   340,802 4,884 SH   SOLE 0 4,759 125 0
VANGUARD TOTAL BOND MRKT ETF ETF/FIXED INCOME 921937835   13,956 200 SH   DFND 0 200 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF/INTERNATIONAL EQUITY 921943858   26,232 600 SH   DFND 0 600 0 0
VANGUARD SHORT TERM INFL- PROT SECS ETF ETF/FIXED INCOME 922020805   7,563,200 160,000 SH   SOLE 0 160,000 0 0
VANGUARD ULTRA SHORT TERM ETF/FIXED INCOME 92203C303   98,360 2,000 SH   SOLE 0 2,000 0 0
VANGUARD FINANCIALS ETF ETF/EQUITY 92204A405   550,518 6,855 SH   SOLE 0 6,855 0 0
VANGUARD FINANCIALS ETF ETF/EQUITY 92204A405   238,520 2,970 SH   DFND 0 2,970 0 0
VANGUARD INDUSTRIALS ETF ETF/EQUITY 92204A603   9,749 50 SH   SOLE 0 50 0 0
VANGUARD INDUSTRIALS ETF ETF/EQUITY 92204A603   857,912 4,400 SH   DFND 0 4,400 0 0
VANGUARD INFO TECH ETF ETF/EQUITY 92204A702   1,343,409 3,238 SH   SOLE 0 3,238 0 0
VANGUARD INFO TECH ETF ETF/EQUITY 92204A702   151,849 366 SH   DFND 0 366 0 0
VANGUARD UTILITIES ETF ETF/EQUITY 92204A876   59,306 465 SH   SOLE 0 465 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 922042858   1,313,981 33,520 SH   SOLE 0 33,520 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 922042858   209,443 5,343 SH   DFND 0 5,343 0 0
VANGUARD SHORT TERM CORP BOND ETF ETF/FIXED INCOME 92206C409   491,100 6,535 SH   SOLE 65 6,470 65 0
VANGUARD SHORT TERM CORP BOND ETF ETF/FIXED INCOME 92206C409   384,462 5,116 SH   DFND 0 5,116 0 0
VANGUARD INTERM-TERM GOVT BDETF ETF/FIXED INCOME 92206C706   47,433 830 SH   SOLE 0 480 0 350
VANGUARD LONG TERM TREASURY ETF/FIXED INCOME 92206C847   832 15 SH   SOLE 0 15 0 0
VANGUARD S&P 500 ETF ETF/EQUITY 922908363   990,386 2,522 SH   SOLE 0 2,522 0 0
VANGUARD MIDCAP VALUE ETF ETF/EQUITY 922908512   13,096 100 SH   SOLE 0 100 0 0
VANGUARD MIDCAP VALUE ETF ETF/EQUITY 922908512   46,359 354 SH   DFND 0 354 0 0
VANGUARD MIDCAP GROWTH ETF ETF/EQUITY 922908538   60,183 309 SH   DFND 0 309 0 0
VANGUARD REIT ETF ETF/EQUITY 922908553   601,850 7,956 SH   SOLE 0 7,956 0 0
VANGUARD REIT ETF ETF/EQUITY 922908553   54,843 725 SH   DFND 0 725 0 0
VANGUARD SMALLCAP VALUE ETF ETF/EQUITY 922908611   223,286 1,400 SH   SOLE 0 1,400 0 0
VANGUARD MIDCAP ETF ETF/EQUITY 922908629   114,947 552 SH   SOLE 0 552 0 0
VANGUARD GROWTH ETF ETF/EQUITY 922908736   176,992 650 SH   SOLE 0 650 0 0
VANGUARD GROWTH ETF ETF/EQUITY 922908736   44,929 165 SH   DFND 0 165 0 0
VANGUARD SMALLCAP ETF ETF/EQUITY 922908751   193,795 1,025 SH   SOLE 0 1,025 0 0
VANGUARD TOTAL STOCK MARKET ETF ETF/EQUITY 922908769   99,831 470 SH   SOLE 0 470 0 0
VANGUARD TOTAL STOCK MARKET ETF ETF/EQUITY 922908769   13,564,715 63,861 SH   DFND 0 63,861 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104   6,018,222 185,748 SH   SOLE 0 185,748 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104   1,142,939 35,276 SH   DFND 0 35,276 0 0
VIATRIS INC COMMON STOCK 92556V106   1,587 161 SH   SOLE 0 161 0 0
VIATRIS INC COMMON STOCK 92556V106   5,048 512 SH   DFND 0 512 0 0
VISA INC CLASS A COMMON STOCK 92826C839   2,448,653 10,646 SH   SOLE 0 10,646 0 0
VISA INC CLASS A COMMON STOCK 92826C839   385,032 1,674 SH   DFND 0 1,674 0 0
VM WARE INC COMMON STOCK 928563402   1,997 12 SH   DFND 0 12 0 0
WABTEC CORP COMMON STOCK 929740108   1,487 14 SH   SOLE 0 14 0 0
WABTEC CORP COMMON STOCK 929740108   4,569 43 SH   DFND 0 43 0 0
WAL MART STORES INC COMMON STOCK 931142103   5,640,494 35,269 SH   SOLE 0 35,269 0 0
WAL MART STORES INC COMMON STOCK 931142103   1,094,235 6,842 SH   DFND 0 6,842 0 0
WARNER BROS DISCOVERY INC COMMON STOCK 934423104   3,757 346 SH   SOLE 0 346 0 0
WARNER BROS DISCOVERY INC COMMON STOCK 934423104   13,574 1,250 SH   DFND 0 1,250 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109   506,395 3,322 SH   SOLE 0 3,322 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109   131,097 860 SH   DFND 0 860 0 0
WEBSTER FINANCIAL CORP COMMON STOCK 947890109   18,663 463 SH   DFND 0 463 0 0
WELLS FARGO & CO COMMON STOCK 949746101   20,430 500 SH   SOLE 0 500 0 0
WELLS FARGO & CO COMMON STOCK 949746101   148,117 3,625 SH   DFND 0 3,625 0 0
WEYERHAEUSER CO COMMON STOCK 962166104   49,040 1,600 SH   SOLE 0 1,600 0 0
WILLIAMS COMPANIES INC COMMON STOCK 969457100   336,800 10,000 SH   DFND 0 10,000 0 0
WISDOMTREE US HIGH DIVIDEND ETF ETF/EQUITY 97717W208   1,801,373 23,077 SH   SOLE 0 23,077 0 0
WISDOMTREE US HIGH DIVIDEND ETF ETF/EQUITY 97717W208   26,852 344 SH   DFND 0 344 0 0
WISDOMTREE FLOATING RATE TSY ETF/FIXED INCOME 97717Y527   511,342 10,164 SH   SOLE 0 9,939 0 225
WISDOMTREE FLOATING RATE TSY ETF/FIXED INCOME 97717Y527   12,175 242 SH   DFND 0 242 0 0
WOODSIDE ENERGY GROUP LTD FOREIGN EQUITIES 980228308   1,257 54 SH   DFND 0 54 0 0
SPDR GOLD MINISHARES ETF/OTHER 98149E303   63,695 1,738 SH   SOLE 0 1,738 0 0
SPDR GOLD MINISHARES ETF/OTHER 98149E303   10,078 275 SH   DFND 0 275 0 0
ZIMVIE INC COMMON STOCK 98888T107   2,596 276 SH   DFND 0 276 0 0
ZEBRA TECHNOLOGIES CORP CL A COMMON STOCK 989207105   15,847 67 SH   DFND 0 67 0 0
ZIMMER HOLDINGS INC COMMON STOCK 98956P102   219,277 1,954 SH   SOLE 0 1,954 0 0
ZIMMER HOLDINGS INC COMMON STOCK 98956P102   197,507 1,760 SH   DFND 0 1,760 0 0