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   419 3,494 SH   DFND   0 0 3,494
3M Co COM 88579Y101   592 4,934 SH   SOLE   4,934 0 0
AECOM COM 00766T100   38 450 SH   DFND   450 0 0
AGILENT TECHS INC COM 00846U101   139 930 SH   DFND   778 0 152
AGNC INVESTMENT CORP COM 00123Q104   75 7,250 SH   DFND   0 0 7,250
ALBEMARLE CORP COM 012653101   33 150 SH   DFND   0 0 150
ALCON AG ORD SHS H01301128   15 220 SH   SOLE   220 0 0
ALPHABET INC CAP STK CL A 02079K305   422 4,780 SH   DFND   2,760 0 2,020
ALPHABET INC CAP STK CL A 02079K305   5,748 65,151 SH   SOLE   63,691 0 1,460
AMER EXPRESS CO COM 025816109   266 1,800 SH   DFND   0 0 1,800
AMER EXPRESS CO COM 025816109   209 1,416 SH   SOLE   391 0 1,025
AMER INTL GRP COM NEW 026874784   12 195 SH   DFND   0 0 195
AMER INTL GRP COM NEW 026874784   137 2,174 SH   SOLE   2,174 0 0
ANALOG DEVICES INC COM 032654105   3 18 SH   SOLE   18 0 0
ANSYS, INC. COM 03662Q105   1 3 SH   DFND   0 0 3
APA Corp COM 03743Q108   98 2,102 SH   DFND   0 0 2,102
APPIAN CORP CL A 03782L101   13 400 SH   SOLE   400 0 0
APPLIED MATERIALS COM 038222105   4 45 SH   SOLE   45 0 0
ARK Investment Management LLC AUTNMUS TECHNLGY 00214Q203   8 205 SH   DFND   0 0 205
AT&T INC COM 00206R102   877 47,659 SH   DFND   2,700 0 44,959
AT&T INC COM 00206R102   599 32,511 SH   SOLE   32,511 0 0
AUTOMATIC DATA PROCESSING COM 053015103   1,703 7,128 SH   DFND   161 0 6,967
AUTOMATIC DATA PROCESSING COM 053015103   996 4,170 SH   SOLE   2,940 0 1,230
AbbVie Inc COM 00287Y109   4,383 27,120 SH   DFND   0 0 27,120
AbbVie Inc COM 00287Y109   1,187 7,346 SH   SOLE   6,846 0 500
Abbott Laboratories COM 002824100   2,746 25,007 SH   DFND   491 0 24,516
Abbott Laboratories COM 002824100   6,805 61,985 SH   SOLE   60,532 0 1,453
Abrdn Funds COM SH BEN INT 00302L108   5 1,350 SH   DFND   0 0 1,350
Accenture PLC SHS CLASS A G1151C101   181 680 SH   DFND   379 0 301
Accenture PLC SHS CLASS A G1151C101   4,202 15,746 SH   SOLE   15,088 0 658
Adobe Inc COM 00724F101   291 864 SH   DFND   391 0 473
Adobe Inc COM 00724F101   3,642 10,823 SH   SOLE   10,359 0 464
Advance Auto Parts Inc COM 00751Y106   4 25 SH   SOLE   25 0 0
Aflac Inc COM 001055102   214 2,974 SH   SOLE   2,974 0 0
Air Products and Chemicals Inc COM 009158106   483 1,566 SH   DFND   0 0 1,566
Air Products and Chemicals Inc COM 009158106   15 50 SH   SOLE   50 0 0
Alcoa Corp COM 013872106   91 2,000 SH   DFND   0 0 2,000
Alexandria Real Estate Equitie COM 015271109   89 609 SH   DFND   0 0 609
Algonquin Power & Utilities Co COM 015857105   6 900 SH   DFND   400 0 500
Allstate Corp/The COM 020002101   6 44 SH   DFND   0 0 44
Allstate Corp/The COM 020002101   2 13 SH   SOLE   13 0 0
Alphabet Inc CAP STK CL C 02079K107   220 2,483 SH   DFND   2,300 0 183
Alphabet Inc CAP STK CL C 02079K107   527 5,940 SH   SOLE   5,940 0 0
Alps Closed End Funds/USA SH BEN INT 530158104   12 2,100 SH   DFND   0 0 2,100
Altria Group Inc COM 02209S103   221 4,837 SH   DFND   0 0 4,837
Altria Group Inc COM 02209S103   113 2,475 SH   SOLE   2,475 0 0
Amazon.com Inc COM 023135106   272 3,244 SH   DFND   2,690 0 554
Amazon.com Inc COM 023135106   4,598 54,734 SH   SOLE   51,694 0 3,040
American Airlines Group Inc COM 02376R102   10 785 SH   DFND   0 0 785
American Electric Power Co Inc COM 025537101   103 1,086 SH   DFND   0 0 1,086
American Electric Power Co Inc COM 025537101   2 25 SH   SOLE   25 0 0
American Tower Corp COM 03027X100   8 37 SH   SOLE   37 0 0
American Water Works Co Inc COM 030420103   92 604 SH   DFND   276 0 328
American Water Works Co Inc COM 030420103   5,285 34,675 SH   SOLE   33,773 0 902
Ameriprise Financial Inc COM 03076C106   50 159 SH   DFND   0 0 159
Amgen Inc COM 031162100   377 1,435 SH   DFND   177 0 1,258
Amgen Inc COM 031162100   7,129 27,144 SH   SOLE   25,737 0 1,407
Anheuser-Busch InBev SA/NV SPONSORED ADR 03524A108   0 8 SH   SOLE   8 0 0
Annaly Capital Management Inc None 035710839   95 4,500 SH   DFND   0 0 4,500
Apollo Commercial Real Estate COM 03762U105   11 1,000 SH   DFND   0 0 1,000
Apple Inc COM 037833100   3,325 25,593 SH   DFND   6,383 0 19,210
Apple Inc COM 037833100   25,160 193,641 SH   SOLE   183,912 0 9,729
Archer-Daniels-Midland Co COM 039483102   208 2,241 SH   DFND   0 0 2,241
Arconic Corp COM 03966V107   32 1,525 SH   DFND   0 0 1,525
Ares Commercial Real Estate Co COM 04013V108   10 1,010 SH   DFND   0 0 1,010
Argan Inc COM 04010E109   4 100 SH   DFND   0 0 100
Arthur J Gallagher & Co COM 363576109   342 1,815 SH   DFND   370 0 1,445
Arthur J Gallagher & Co COM 363576109   9,218 48,891 SH   SOLE   48,377 0 514
Ashland Inc COM 044186104   370 3,442 SH   DFND   0 0 3,442
AutoZone Inc COM 053332102   301 122 SH   DFND   0 0 122
AutoZone Inc COM 053332102   141 57 SH   SOLE   57 0 0
Autoliv Inc COM 052800109   0 6 SH   DFND   0 0 6
Azenta Inc COM 114340102   35 600 SH   DFND   600 0 0
B&G Foods Inc COM 05508R106   11 1,000 SH   DFND   0 0 1,000
BARRICK GOLD CORP COM 067901108   19 1,097 SH   DFND   1,097 0 0
BAXTER INTL INC COM 071813109   58 1,130 SH   DFND   0 0 1,130
BAXTER INTL INC COM 071813109   113 2,226 SH   SOLE   1,026 0 1,200
BCE Inc COM NEW 05534B760   22 500 SH   DFND   500 0 0
BECTON DICKINSON COM 075887109   5 20 SH   SOLE   20 0 0
BK OF AMERICA CORP COM 060505104   226 6,812 SH   DFND   100 0 6,712
BK OF AMERICA CORP COM 060505104   38 1,162 SH   SOLE   1,162 0 0
BK OF MONTREAL COM 063671101   91 1,000 SH   DFND   0 0 1,000
BK OF NOVA SCOTIA COM 064149107   211 4,300 SH   DFND   0 0 4,300
BK OF NY MELLON CP COM 064058100   39 857 SH   DFND   0 0 857
BK OF NY MELLON CP COM 064058100   16 359 SH   SOLE   125 0 234
BOEING CO COM 097023105   133 697 SH   DFND   62 0 635
BOEING CO COM 097023105   22 114 SH   SOLE   114 0 0
BP PLC SPONSORED ADR 055622104   10 288 SH   DFND   0 0 288
BP PLC SPONSORED ADR 055622104   52 1,500 SH   SOLE   1,500 0 0
BRIGHTHOUSE FINANCIAL INC. COM 10922N103   1 15 SH   SOLE   15 0 0
BRISTOL-MYRS SQUIB COM 110122108   343 4,761 SH   DFND   1,339 0 3,422
BRISTOL-MYRS SQUIB COM 110122108   742 10,314 SH   SOLE   9,864 0 450
BRITISH AMERICAN TOBACCO PLC SPONSORED ADR 110448107   4 100 SH   DFND   0 0 100
BRITISH AMERICAN TOBACCO PLC SPONSORED ADR 110448107   15 367 SH   SOLE   367 0 0
Bar Harbor Bankshares COM 066849100   53 1,650 SH   DFND   0 0 1,650
Bath & Body Works Inc COM 070830104   13 300 SH   DFND   0 0 300
Berkshire Hathaway Inc CL B NEW 084670702   153 496 SH   DFND   399 0 97
Berkshire Hathaway Inc CL B NEW 084670702   6,068 19,644 SH   SOLE   18,011 0 1,633
Beyond Meat Inc COM 08862E109   1 85 SH   DFND   0 0 85
Black Hills Corp COM 092113109   91 1,300 SH   DFND   1,300 0 0
BlackBerry Ltd COM 09228F103   2 500 SH   DFND   0 0 500
BlackRock Advisors LLC RUS MDCP VAL ETF 464287473   26 248 SH   SOLE   248 0 0
BlackRock Advisors LLC RUS MD CP GR ETF 464287481   50 600 SH   DFND   600 0 0
BlackRock Advisors LLC RUS MD CP GR ETF 464287481   17 200 SH   SOLE   200 0 0
BlackRock Advisors LLC RUS MID CAP ETF 464287499   365 5,410 SH   SOLE   5,410 0 0
BlackRock Advisors LLC S&P MC 400GR ETF 464287606   141 2,065 SH   DFND   0 0 2,065
BlackRock Advisors LLC S&P MC 400GR ETF 464287606   59 864 SH   SOLE   864 0 0
BlackRock Advisors LLC RUS 1000 ETF 464287622   32 150 SH   DFND   150 0 0
BlackRock Advisors LLC RUSSELL 3000 ETF 464287689   33 150 SH   DFND   150 0 0
BlackRock Advisors LLC S&P MC 400VL ETF 464287705   9 88 SH   SOLE   88 0 0
BlackRock Advisors LLC US INDUSTRIALS 464287754   58 600 SH   SOLE   600 0 0
BlackRock Advisors LLC CORE S&P SCP ETF 464287804   258 2,725 SH   DFND   1,800 0 925
BlackRock Advisors LLC CORE S&P SCP ETF 464287804   763 8,067 SH   SOLE   7,467 0 600
BlackRock Advisors LLC INDIA 50 ETF 464289529   25 600 SH   DFND   600 0 0
BlackRock Advisors LLC CORE MSCI EMKT 46434G103   350 7,501 SH   DFND   2,126 0 5,375
BlackRock Advisors LLC CORE MSCI EMKT 46434G103   2,206 47,240 SH   SOLE   46,430 0 810
BlackRock Advisors LLC MSCI SINGPOR ETF 46434G780   28 1,500 SH   DFND   1,500 0 0
BlackRock Advisors LLC MSCI JPN ETF NEW 46434G822   27 500 SH   DFND   500 0 0
BlackRock Fund Advisors MSCI JAPN SMCETF 464286582   32 500 SH   DFND   500 0 0
BlackRock Fund Advisors NORTH AMERN NAT 464287374   195 4,800 SH   DFND   4,800 0 0
BlackRock Fund Advisors 20 YR TR BD ETF 464287432   3 33 SH   DFND   0 0 33
BlackRock Fund Advisors MSCI EAFE ETF 464287465   59 900 SH   DFND   0 0 900
BlackRock Fund Advisors MSCI EAFE ETF 464287465   934 14,224 SH   SOLE   14,224 0 0
BlackRock Fund Advisors NA TEC MULTM ETF 464287531   21 300 SH   DFND   300 0 0
BlackRock Fund Advisors RUS 2000 GRW ETF 464287648   694 3,234 SH   DFND   125 0 3,109
BlackRock Fund Advisors RUS 2000 GRW ETF 464287648   1,664 7,757 SH   SOLE   3,184 0 4,573
BlackRock Fund Advisors SHRT NAT MUN ETF 464288158   836 8,022 SH   SOLE   8,022 0 0
BlackRock Fund Advisors EAFE SML CP ETF 464288273   94 1,663 SH   DFND   1,650 0 13
BlackRock Fund Advisors EAFE SML CP ETF 464288273   15 261 SH   SOLE   261 0 0
BlackRock Fund Advisors PFD AND INCM SEC 464288687   62 2,035 SH   DFND   2,035 0 0
BlackRock Fund Advisors GLOB UTILITS ETF 464288711   18 300 SH   DFND   300 0 0
BlackRock Fund Advisors RUS TP200 VL ETF 464289420   39 600 SH   SOLE   600 0 0
BlackRock Fund Advisors RUS TP200 GR ETF 464289438   12 100 SH   DFND   100 0 0
BlackRock Fund Advisors MSCI USA MIN VOL 46429B697   70 964 SH   DFND   513 0 451
BlackRock Fund Advisors MSCI USA MIN VOL 46429B697   3,961 54,937 SH   SOLE   54,072 0 865
BlackRock Fund Advisors 0-5 YR TIPS ETF 46429B747   31 322 SH   SOLE   322 0 0
BlackRock Fund Advisors MSCI USA VALUE 46432F388   12 128 SH   SOLE   128 0 0
BlackRock Fund Advisors ESG AWR MSCI EM 46434G863   4 119 SH   DFND   119 0 0
BlackRock Fund Advisors ESG AWR MSCI EM 46434G863   2,757 91,686 SH   SOLE   91,525 0 161
BlackRock Fund Advisors IBONDS DEC23 ETF 46434VAX8   2,476 98,920 SH   DFND   0 0 98,920
BlackRock Fund Advisors ROBOTICS ARTIF 46435U556   1 25 SH   DFND   0 0 25
BlackRock Funds/Closed-End/USA COM 09255C106   140 13,627 SH   DFND   0 0 13,627
BlackRock Inc COM 09247X101   337 475 SH   DFND   270 0 205
BlackRock Inc COM 09247X101   6,323 8,923 SH   SOLE   8,830 0 93
Blackstone Inc COM 09260D107   111 1,500 SH   SOLE   1,500 0 0
Block Inc CL A 852234103   2 35 SH   DFND   0 0 35
Booking Holdings Inc COM 09857L108   117 58 SH   SOLE   28 0 30
BrightSpire Capital Inc COM CL A 10949T109   98 15,800 SH   DFND   0 0 15,800
Broadcom Inc COM 11135F101   84 150 SH   DFND   150 0 0
Broadcom Inc COM 11135F101   204 365 SH   SOLE   365 0 0
Brookfield Renewable Partners CL A SUB VTG 11284V105   12 435 SH   DFND   0 0 435
Brookfield Renewable Partners PARTNERSHIP UNIT G16258108   15 600 SH   DFND   0 0 600
C&F Financial Corp COM 12466Q104   12 200 SH   DFND   200 0 0
CARRIER GLOBAL CORP COM 14448C104   34 835 SH   DFND   0 0 835
CARRIER GLOBAL CORP COM 14448C104   3 72 SH   SOLE   72 0 0
CEMEX SAB DE CV SPON ADR NEW 151290889   4 1,000 SH   DFND   0 0 1,000
CHARLES SCHWAB INVESTMENT MANAGEMENT INC EMRG MKTEQ ETF 808524706   58 2,439 SH   SOLE   2,439 0 0
CHARLES SCHWAB INVESTMENT MANAGEMENT INC US DIVIDEND EQ 808524797   79 1,050 SH   DFND   1,050 0 0
CHARLES SCHWAB INVESTMENT MANAGEMENT INC US TIPS ETF 808524870   16 300 SH   DFND   0 0 300
CHARLES SCHWAB INVESTMENT MANAGEMENT INC US TIPS ETF 808524870   21 406 SH   SOLE   406 0 0
CHUBB LIMITED COM COM H1467J104   10 44 SH   DFND   0 0 44
CHUBB LIMITED COM COM H1467J104   42 189 SH   SOLE   189 0 0
CIBC COM 136069101   81 2,000 SH   DFND   0 0 2,000
CISCO SYSTEMS COM 17275R102   838 17,581 SH   DFND   2,730 0 14,851
CISCO SYSTEMS COM 17275R102   7,904 165,902 SH   SOLE   155,567 0 10,335
CME Group Inc COM 12572Q105   30 181 SH   SOLE   181 0 0
COGNIZANT TECHNOLO CL A 192446102   7 130 SH   DFND   0 0 130
COGNIZANT TECHNOLO CL A 192446102   193 3,377 SH   SOLE   1,327 0 2,050
COLGATE-PALMOLIVE COM 194162103   355 4,500 SH   SOLE   4,500 0 0
CONAGRA FOODS INC COM 205887102   93 2,400 SH   DFND   0 0 2,400
CONAGRA FOODS INC COM 205887102   13 343 SH   SOLE   343 0 0
CONOCOPHILLIPS COM 20825C104   499 4,229 SH   DFND   0 0 4,229
CONOCOPHILLIPS COM 20825C104   230 1,950 SH   SOLE   1,950 0 0
CORNING INC COM 219350105   622 19,488 SH   DFND   2,500 0 16,988
CORNING INC COM 219350105   214 6,710 SH   SOLE   6,710 0 0
CRANE HOLDINGS CO COM 224441105   9 90 SH   DFND   0 0 90
CUMMINS INC COM 231021106   4 15 SH   SOLE   15 0 0
CVS Health Corp COM 126650100   625 6,705 SH   DFND   0 0 6,705
CVS Health Corp COM 126650100   200 2,147 SH   SOLE   2,147 0 0
Cantaloupe Inc COM 138103106   4 905 SH   DFND   0 0 905
Capital One Financial Corp COM 14040H105   86 926 SH   DFND   0 0 926
Capital Southwest Corp COM 140501107   6 355 SH   DFND   0 0 355
Cardinal Health Inc COM 14149Y108   138 1,790 SH   SOLE   0 0 1,790
Casella Waste Systems Inc CL A 147448104   2,514 31,704 SH   SOLE   31,704 0 0
Caterpillar Inc COM 149123101   672 2,804 SH   DFND   1,004 0 1,800
Cenovus Energy Inc COM 15135U109   29 1,472 SH   DFND   0 0 1,472
ChargePoint Holdings Inc COM CL A 15961R105   1 110 SH   DFND   0 0 110
Charles Schwab Corp/The COM 808513105   411 4,935 SH   SOLE   4,935 0 0
Charles Schwab Investment Management Inc US BRD MKT ETF 808524102   98 2,178 SH   DFND   0 0 2,178
Charles Schwab Investment Management Inc US LRG CAP ETF 808524201   4 79 SH   SOLE   79 0 0
Charles Schwab Investment Management Inc US SML CAP ETF 808524607   1 26 SH   SOLE   26 0 0
Charles Schwab Investment Management Inc SCHWB FDT INT LG 808524755   68 2,338 SH   SOLE   2,338 0 0
Charles Schwab Investment Management Inc INTL EQTY ETF 808524805   1 46 SH   SOLE   46 0 0
Charles Schwab Investment Management Inc US AGGREGATE B 808524839   1 24 SH   SOLE   24 0 0
Chemed Corp COM 16359R103   165 323 SH   SOLE   323 0 0
Chemours Co/The COM 163851108   7 244 SH   DFND   0 0 244
Chemours Co/The COM 163851108   1 20 SH   SOLE   20 0 0
Chemung Financial Corp COM 164024101   37 800 SH   DFND   0 0 800
Cherry Hill Mortgage Investmen COM 164651101   6 1,100 SH   DFND   0 0 1,100
Chevron Corp COM 166764100   897 4,999 SH   DFND   0 0 4,999
Chevron Corp COM 166764100   885 4,930 SH   SOLE   4,280 0 650
Chimera Investment Corp COM NEW 16934Q208   17 3,000 SH   DFND   0 0 3,000
Church & Dwight Co Inc COM 171340102   175 2,176 SH   SOLE   2,176 0 0
Churchill Downs Inc COM 171484108   1 5 SH   DFND   0 0 5
Cigna Corp COM 125523100   13 39 SH   DFND   0 0 39
Cigna Corp COM 125523100   2 5 SH   SOLE   5 0 0
Citigroup Inc COM NEW 172967424   15 327 SH   DFND   0 0 327
Citigroup Inc COM NEW 172967424   5 120 SH   SOLE   120 0 0
Clorox Co/The COM 189054109   689 4,913 SH   DFND   774 0 4,139
Clorox Co/The COM 189054109   24 168 SH   SOLE   168 0 0
Coca-Cola Co/The COM 191216100   1,179 18,537 SH   DFND   0 0 18,537
Coca-Cola Co/The COM 191216100   1,859 29,230 SH   SOLE   29,230 0 0
Cohen & Steers Capital Management Inc U.S. UTILITS ETF 464287697   64 740 SH   SOLE   740 0 0
Cohen & Steers Capital Management Inc US CONSM STAPLES 464287812   157 775 SH   SOLE   775 0 0
Cohen & Steers Capital Management Inc MRGSTR SM CP GR 464288604   70 1,944 SH   DFND   0 0 1,944
Cohen & Steers Capital Management Inc MSCI USA ESG SLC 464288802   8 99 SH   DFND   99 0 0
Cohen & Steers Capital Management Inc MSCI USA ESG SLC 464288802   6,115 74,283 SH   SOLE   74,182 0 101
Comcast Corp CL A 20030N101   109 3,130 SH   DFND   100 0 3,030
Comcast Corp CL A 20030N101   308 8,809 SH   SOLE   8,809 0 0
Consolidated Edison Inc COM 209115104   172 1,808 SH   DFND   0 0 1,808
Constellation Brands Inc CL A 21036P108   35 150 SH   SOLE   150 0 0
Constellation Energy Corp COM 21037T109   96 1,116 SH   DFND   0 0 1,116
Constellium SE CL A SHS F21107101   2 200 SH   DFND   0 0 200
Corteva Inc COM 22052L104   1 21 SH   DFND   0 0 21
Corteva Inc COM 22052L104   2 42 SH   SOLE   42 0 0
Costco Wholesale Corp COM 22160K105   525 1,151 SH   DFND   579 0 572
Costco Wholesale Corp COM 22160K105   6,080 13,318 SH   SOLE   12,766 0 552
Crestwood Equity Partners LP UNIT LTD PARTNER 226344208   13 510 SH   DFND   0 0 510
Crown Castle Inc COM 22822V101   10 76 SH   DFND   0 0 76
DEERE & CO COM 244199105   410 956 SH   DFND   0 0 956
DIAGEO SPON ADR NEW 25243Q205   89 500 SH   SOLE   500 0 0
DISCOVER FINL SVCS COM 254709108   147 1,500 SH   DFND   0 0 1,500
DOMINION RES(VIR) COM 25746U109   230 3,754 SH   DFND   0 0 3,754
DOMINION RES(VIR) COM 25746U109   74 1,200 SH   SOLE   1,200 0 0
DUKE ENERGY CORP COM NEW 26441C204   565 5,485 SH   DFND   2,142 0 3,343
DUKE ENERGY CORP COM NEW 26441C204   6,155 59,761 SH   SOLE   58,943 0 818
Dana Inc COM 235825205   21 1,400 SH   DFND   1,200 0 200
Danaher Corp COM 235851102   344 1,297 SH   DFND   1,063 0 234
Danaher Corp COM 235851102   7,428 27,987 SH   SOLE   26,211 0 1,776
Darden Restaurants Inc COM 237194105   14 104 SH   DFND   0 0 104
Darden Restaurants Inc COM 237194105   28 204 SH   SOLE   204 0 0
Dell Technologies Inc CL C 24703L202   2 42 SH   SOLE   42 0 0
Delta Air Lines Inc COM NEW 247361702   127 3,879 SH   DFND   0 0 3,879
Desktop Metal Inc COM CL A 25058X105   1 1,000 SH   DFND   0 0 1,000
Dick's Sporting Goods Inc COM 253393102   168 1,400 SH   DFND   0 0 1,400
Dollar General Corp COM 256677105   1 6 SH   DFND   0 0 6
Douglas Dynamics Inc COM 25960R105   72 2,000 SH   DFND   0 0 2,000
Dow Inc COM 260557103   118 2,346 SH   DFND   0 0 2,346
Dow Inc COM 260557103   16 308 SH   SOLE   308 0 0
DraftKings Inc COM CL A 26142V105   16 1,384 SH   DFND   1,384 0 0
DuPont de Nemours Inc COM 26614N102   7 96 SH   DFND   0 0 96
DuPont de Nemours Inc COM 26614N102   25 358 SH   SOLE   358 0 0
ECOLAB INC COM 278865100   189 1,300 SH   SOLE   1,300 0 0
EDISON INTERNATIONAL COM 281020107   4 65 SH   SOLE   65 0 0
EMERSON ELECTRIC COM 291011104   580 6,039 SH   DFND   900 0 5,139
EMERSON ELECTRIC COM 291011104   1,178 12,262 SH   SOLE   11,826 0 436
EOG Resources Inc COM 26875P101   210 1,625 SH   DFND   0 0 1,625
EOG Resources Inc COM 26875P101   5 35 SH   SOLE   35 0 0
ETFis Series Trust I VIRTUS INFRCAP 26923G822   14 750 SH   DFND   0 0 750
ETRACS ETNs/UBS AG/London/USA ETRACS MNTHLY B 90274E166   38 5,880 SH   DFND   0 0 5,880
EXCHANGE TRADED CONCEPTS LLC ROBO GLB ETF 301505707   9 196 SH   DFND   0 0 196
Eagle Point Credit Co Inc COM 269808101   98 9,700 SH   DFND   0 0 9,700
Eagle Point Credit Management LLC/USA COM 269817102   4 300 SH   DFND   0 0 300
Eastman Chemical Co COM 277432100   66 814 SH   SOLE   814 0 0
Eaton Corp PLC SHS G29183103   482 3,071 SH   DFND   800 0 2,271
Eaton Corp PLC SHS G29183103   8 53 SH   SOLE   53 0 0
Elevance Health Inc COM 036752103   30 59 SH   SOLE   59 0 0
Eli Lilly & Co COM 532457108   431 1,179 SH   DFND   264 0 915
Eli Lilly & Co COM 532457108   13,248 36,212 SH   SOLE   35,563 0 649
Embecta Corp COMMON STOCK 29082K105   0 4 SH   SOLE   4 0 0
Energy Transfer LP COM UT LTD PTN 29273V100   65 5,500 SH   DFND   0 0 5,500
Entergy Corp COM 29364G103   135 1,200 SH   DFND   0 0 1,200
Enterprise Products Partners L COM 293792107   10 400 SH   DFND   0 0 400
Equifax Inc COM 294429105   5 25 SH   SOLE   25 0 0
Essential Utilities Inc COM 29670G102   163 3,419 SH   SOLE   3,419 0 0
Evergy Inc COM 30034W106   156 2,484 SH   DFND   0 0 2,484
Eversource Energy COM 30040W108   168 2,005 SH   SOLE   2,005 0 0
Exelon Corp COM 30161N101   145 3,348 SH   DFND   0 0 3,348
Exelon Corp COM 30161N101   12 285 SH   SOLE   285 0 0
Exxon Mobil Corp COM 30231G102   1,761 15,964 SH   DFND   4,757 0 11,207
Exxon Mobil Corp COM 30231G102   12,629 114,496 SH   SOLE   113,145 0 1,351
FACEBOOK INC CL A 30303M102   74 611 SH   DFND   36 0 575
FACEBOOK INC CL A 30303M102   84 700 SH   SOLE   700 0 0
FEDEX CORP COM 31428X106   182 1,053 SH   DFND   0 0 1,053
FEDEX CORP COM 31428X106   75 434 SH   SOLE   434 0 0
FIRST TRUST ADVISORS LP DJ INTERNT IDX 33733E302   12 100 SH   DFND   100 0 0
FISERV INC COM 337738108   3 30 SH   SOLE   30 0 0
FMC Corp COM NEW 302491303   2 17 SH   SOLE   17 0 0
FRANCO-NEVADA CORP COM 351858105   9 65 SH   DFND   0 0 65
FREEPORT-MCMOR C&G CL B 35671D857   22 591 SH   SOLE   591 0 0
FS KKR Capital Corp COM 302635206   14 800 SH   DFND   0 0 800
Fastenal Co COM 311900104   95 2,000 SH   DFND   0 0 2,000
Fidelity ETFs/USA HIGH DIVID ETF 316092840   15 400 SH   SOLE   400 0 0
Fidelity National Information COM 31620M106   34 500 SH   DFND   0 0 500
Fidelity National Information COM 31620M106   2 35 SH   SOLE   35 0 0
Financial Institutions Inc COM 317585404   124 5,085 SH   DFND   0 0 5,085
First Financial Bancorp COM 320209109   27 1,111 SH   SOLE   1,111 0 0
First Trust Advisors LP NAT GAS ETF 33733E807   342 13,960 SH   DFND   13,960 0 0
First Trust Advisors LP CLOUD COMPUTING 33734X192   10 180 SH   DFND   0 0 180
First Trust Advisors LP COM SHS 33735K108   6 69 SH   DFND   0 0 69
First Trust ETFs/USA INDXX GLOBAL AGR 33734X812   13 440 SH   DFND   440 0 0
First Trust ETFs/USA INDXX NAT RE ETF 33734X838   50 3,614 SH   DFND   3,614 0 0
FirstEnergy Corp COM 337932107   6 150 SH   DFND   0 0 150
FirstEnergy Corp COM 337932107   159 3,787 SH   SOLE   3,787 0 0
Flowserve Corp COM 34354P105   3 100 SH   DFND   100 0 0
Ford Motor Co COM 345370860   89 7,663 SH   DFND   0 0 7,663
Ford Motor Co COM 345370860   125 10,745 SH   SOLE   10,745 0 0
Four Corners Property Trust In COM 35086T109   3 100 SH   DFND   0 0 100
Franklin Resources Inc COM 354613101   53 2,000 SH   DFND   0 0 2,000
Fresenius Medical Care AG & Co SPONSORED ADR 358029106   16 1,000 SH   DFND   0 0 1,000
Fulton Financial Corp COM 360271100   77 4,552 SH   SOLE   4,552 0 0
GEN DYNAMICS CORP COM 369550108   296 1,193 SH   DFND   239 0 954
GEN DYNAMICS CORP COM 369550108   5,333 21,493 SH   SOLE   21,187 0 306
GLOBAL X FDS RBTCS ARTFL INTE 37954Y715   15 751 SH   DFND   0 0 751
GOLDMAN SACHS GRP COM 38141G104   290 844 SH   DFND   344 0 500
GOLDMAN SACHS GRP COM 38141G104   223 650 SH   SOLE   650 0 0
GORMAN-RUPP CO/THE COM 383082104   5 200 SH   DFND   200 0 0
GSK PLC None 37733W204   4 100 SH   DFND   100 0 0
GSK PLC None 37733W204   103 2,924 SH   SOLE   2,924 0 0
Gaming and Leisure Properties COM 36467J108   6 123 SH   SOLE   123 0 0
Generac Holdings Inc COM 368736104   15 150 SH   DFND   100 0 50
General Electric Co COM NEW 369604301   269 3,206 SH   DFND   0 0 3,206
General Electric Co COM NEW 369604301   241 2,873 SH   SOLE   2,873 0 0
General Mills Inc COM 370334104   299 3,571 SH   DFND   0 0 3,571
General Mills Inc COM 370334104   46 544 SH   SOLE   544 0 0
General Motors Co COM 37045V100   71 2,100 SH   DFND   0 0 2,100
Genuine Parts Co COM 372460105   50 288 SH   DFND   288 0 0
Gilead Sciences Inc COM 375558103   1 10 SH   DFND   0 0 10
Gilead Sciences Inc COM 375558103   8 98 SH   SOLE   98 0 0
Global X Management Co LLC SOCIAL MED ETF 37950E416   16 500 SH   DFND   500 0 0
Goldman Sachs Asset Management LP ACTIVEBETA INT 381430107   7 241 SH   DFND   0 0 241
Goldman Sachs Asset Management LP ACTIVEBETA INT 381430107   232 8,075 SH   SOLE   8,075 0 0
Goldman Sachs Asset Management LP ACTIVEBETA US LG 381430503   729 9,581 SH   SOLE   9,370 0 211
Guidewire Software Inc COM 40171V100   63 1,000 SH   DFND   0 0 1,000
HALLIBURTON COM 406216101   9 228 SH   DFND   0 0 228
HANESBRANDS INC COM 410345102   5 730 SH   DFND   0 0 730
HARBOR CUSTOM DEV INC 8% CONV PFD SR A 41150T207   3 400 SH   DFND   0 0 400
HCA Healthcare Inc COM 40412C101   16 65 SH   DFND   0 0 65
HOLLY ENERGY PARTNERS LP COM UT LTD PTN 435763107   16 900 SH   DFND   0 0 900
HORIZON THERAPEUTICS PLC SHS G46188101   11 100 SH   DFND   100 0 0
HP Inc COM 40434L105   16 600 SH   DFND   0 0 600
Haleon PLC None 405552100   2 300 SH   DFND   300 0 0
Haleon PLC None 405552100   29 3,655 SH   SOLE   3,655 0 0
Hartford Financial Services Gr COM 416515104   230 3,028 SH   DFND   0 0 3,028
Hasbro Inc COM 418056107   3 45 SH   SOLE   45 0 0
Hawaiian Electric Industries I COM 419870100   21 500 SH   DFND   500 0 0
Healthcare Ventures LLC COM 52187K101   1 1,205 SH   DFND   1,205 0 0
Helmerich & Payne Inc COM 423452101   9 179 SH   DFND   0 0 179
Hershey Co/The COM 427866108   26 112 SH   DFND   0 0 112
Hershey Co/The COM 427866108   446 1,924 SH   SOLE   1,924 0 0
Hewlett Packard Enterprise Co COM 42824C109   9 578 SH   DFND   0 0 578
Home Depot Inc/The COM 437076102   1,290 4,083 SH   DFND   1,360 0 2,723
Home Depot Inc/The COM 437076102   8,422 26,664 SH   SOLE   26,418 0 246
Honeywell International Inc COM 438516106   422 1,968 SH   DFND   427 0 1,541
Honeywell International Inc COM 438516106   8,085 37,729 SH   SOLE   36,687 0 1,042
Hormel Foods Corp COM 440452100   187 4,104 SH   DFND   0 0 4,104
Howmet Aerospace Inc COM 443201108   240 6,100 SH   DFND   0 0 6,100
Huntington Bancshares Inc/OH COM 446150104   147 10,408 SH   DFND   0 0 10,408
IBM COM 459200101   620 4,401 SH   DFND   300 0 4,101
IBM COM 459200101   3,243 23,021 SH   SOLE   22,551 0 470
IDACORP Inc COM 451107106   5 50 SH   DFND   50 0 0
ILLINOIS TOOL WKS COM 452308109   443 2,012 SH   DFND   312 0 1,700
ILLINOIS TOOL WKS COM 452308109   6 25 SH   SOLE   25 0 0
INTERCONTINENTAL EXCHANGE COM 45866F104   48 471 SH   DFND   396 0 75
INTERCONTINENTAL EXCHANGE COM 45866F104   2,917 28,432 SH   SOLE   26,857 0 1,575
INVESCO SHS G491BT108   4 200 SH   SOLE   200 0 0
ISHARES S&P 100 ETF 464287101   215 1,259 SH   SOLE   1,259 0 0
ISHARES SELECT DIVID ETF 464287168   752 6,238 SH   DFND   450 0 5,788
ISHARES SELECT DIVID ETF 464287168   582 4,830 SH   SOLE   4,830 0 0
ISHARES CORE S&P500 ETF 464287200   1,072 2,790 SH   DFND   0 0 2,790
ISHARES CORE S&P500 ETF 464287200   224 584 SH   SOLE   584 0 0
ISHARES IBOXX INV CP ETF 464287242   47 450 SH   DFND   0 0 450
ISHARES IBOXX INV CP ETF 464287242   733 6,952 SH   SOLE   6,724 0 228
ISHARES GBL COMM SVC ETF 464287275   27 500 SH   DFND   500 0 0
ISHARES S&P 500 GRWT ETF 464287309   322 5,512 SH   SOLE   5,512 0 0
ISHARES GLOB HLTHCRE ETF 464287325   306 3,600 SH   DFND   3,600 0 0
ISHARES GLOBAL ENERG ETF 464287341   246 6,300 SH   DFND   6,300 0 0
ISHARES S&P 500 VAL ETF 464287408   90 619 SH   SOLE   619 0 0
ISHARES ISHARES BIOTECH 464287556   118 900 SH   DFND   900 0 0
ISHARES RUS 2000 VAL ETF 464287630   194 1,400 SH   SOLE   1,400 0 0
ISHARES RUSSELL 2000 ETF 464287655   515 2,952 SH   DFND   0 0 2,952
ISHARES RUSSELL 2000 ETF 464287655   115 657 SH   SOLE   657 0 0
ISHARES SP SMCP600VL ETF 464287879   437 4,787 SH   SOLE   3,787 0 1,000
ISHARES SHORT TREAS BD 464288679   110 1,000 SH   DFND   1,000 0 0
ISHARES EAFE VALUE ETF 464288877   1 16 SH   DFND   0 0 16
ISHARES EAFE VALUE ETF 464288877   15 317 SH   SOLE   317 0 0
ISHARES ISHARES 46428Q109   66 3,000 SH   DFND   0 0 3,000
ISHARES ISHARES 46428Q109   34 1,551 SH   SOLE   1,551 0 0
ISHARES CORE MSCI EAFE 46432F842   535 8,674 SH   DFND   1,205 0 7,469
ISHARES CORE MSCI EAFE 46432F842   24 383 SH   SOLE   383 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   186 4,897 SH   SOLE   4,897 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689   1,314 20,672 SH   SOLE   20,672 0 0
ISHARES TRUST TIPS BD ETF 464287176   14 128 SH   DFND   0 0 128
ISHARES TRUST GLOBAL TECH ETF 464287291   256 5,700 SH   DFND   5,700 0 0
ISHARES TRUST GLOBAL TECH ETF 464287291   164 3,660 SH   SOLE   3,660 0 0
ISHARES TRUST 1 3 YR TREAS BD 464287457   593 7,300 SH   DFND   7,300 0 0
ISHARES TRUST 1 3 YR TREAS BD 464287457   807 9,941 SH   SOLE   9,635 0 306
ISHARES TRUST RUS 1000 VAL ETF 464287598   41 270 SH   SOLE   270 0 0
ISHARES TRUST GL TIMB FORE ETF 464288174   55 750 SH   DFND   750 0 0
ISHARES TRUST GL CLEAN ENE ETF 464288224   101 5,100 SH   SOLE   5,100 0 0
ISHARES/USA RUS 1000 GRW ETF 464287614   43 200 SH   SOLE   200 0 0
ISHARES/USA NATIONAL MUN ETF 464288414   784 7,431 SH   DFND   6,750 0 681
ISHARES/USA NATIONAL MUN ETF 464288414   205 1,945 SH   SOLE   1,945 0 0
ITRON INC COM 465741106   20 400 SH   DFND   300 0 100
Ingevity Corp COM 45688C107   106 1,500 SH   DFND   0 0 1,500
Intel Corp COM 458140100   598 22,629 SH   DFND   2,049 0 20,580
Intel Corp COM 458140100   913 34,535 SH   SOLE   31,530 0 3,005
International Paper Co COM 460146103   2 50 SH   DFND   0 0 50
International Paper Co COM 460146103   53 1,520 SH   SOLE   1,520 0 0
Intuitive Surgical Inc COM NEW 46120E602   77 289 SH   DFND   262 0 27
Intuitive Surgical Inc COM NEW 46120E602   3,965 14,943 SH   SOLE   14,612 0 331
Invesco Capital Management LLC UNIT SER 1 46090E103   452 1,696 SH   DFND   0 0 1,696
Invesco Capital Management LLC UNIT SER 1 46090E103   108 405 SH   SOLE   405 0 0
Invesco Capital Management LLC OPTIMUM YIELD 46090F100   19 1,292 SH   SOLE   1,292 0 0
Invesco Capital Management LLC INDIA ETF 46137R109   64 3,000 SH   DFND   3,000 0 0
Invesco Capital Management LLC S&P500 EQL ENR 46137V365   131 1,800 SH   DFND   1,800 0 0
Invesco Capital Management LLC NASDAQ INTERNT 46137V530   11 100 SH   DFND   100 0 0
Invesco Capital Management LLC DYNMC SOFTWARE 46137V639   9 100 SH   DFND   100 0 0
Invesco Capital Management LLC DYNMC PHRMCTLS 46137V662   71 900 SH   DFND   900 0 0
Invesco Capital Management LLC S&P GBL WATER 46138E263   112 2,400 SH   DFND   2,400 0 0
Invesco Capital Management LLC S&P500 LOW VOL 46138E354   33 521 SH   SOLE   521 0 0
Invesco Capital Management LLC PFD ETF 46138E511   80 7,166 SH   DFND   2,776 0 4,390
Invesco Capital Management LLC PFD ETF 46138E511   4,299 384,560 SH   SOLE   382,749 0 1,811
Invesco Capital Management LLC EMRNG MKT SVRG 46138E784   11 573 SH   SOLE   573 0 0
Invesco Capital Management LLC S&P SMALLCAP 600 46138G664   3 30 SH   DFND   0 0 30
Invesco Capital Management LLC S&P SMALLCAP 600 46138G664   58 531 SH   SOLE   531 0 0
Invesco Capital Management LLC S&P 500 REVENUE 46138G698   94 1,276 SH   DFND   616 0 660
Invesco Capital Management LLC S&P 500 REVENUE 46138G698   3,254 44,012 SH   SOLE   43,327 0 685
Invesco Capital Management LLC SOLAR ETF 46138G706   0 5 SH   DFND   0 0 5
Invesco ETFs/USA S&P500 EQL HLT 46137V332   43 150 SH   DFND   150 0 0
JPMorgan Chase & Co COM 46625H100   991 7,390 SH   DFND   3,786 0 3,604
JPMorgan Chase & Co COM 46625H100   8,571 63,916 SH   SOLE   61,165 0 2,751
JUNIPER NETWORKS COM 48203R104   64 2,000 SH   DFND   0 0 2,000
Johnson & Johnson COM 478160104   2,300 13,021 SH   DFND   1,887 0 11,134
Johnson & Johnson COM 478160104   3,814 21,593 SH   SOLE   21,193 0 400
Johnson Controls International SHS G51502105   14 214 SH   DFND   0 0 214
Johnson Controls International SHS G51502105   2 36 SH   SOLE   36 0 0
KB Home COM 48666K109   19 600 SH   DFND   600 0 0
KIMBERLY-CLARK CP COM 494368103   400 2,945 SH   DFND   282 0 2,663
KIMBERLY-CLARK CP COM 494368103   5,297 39,020 SH   SOLE   38,159 0 861
KIMCO REALTY COM 49446R109   19 900 SH   DFND   0 0 900
KLA Corp COM NEW 482480100   4 10 SH   SOLE   10 0 0
Kellogg Co COM 487836108   3 48 SH   DFND   0 0 48
Kellogg Co COM 487836108   99 1,385 SH   SOLE   1,385 0 0
KeyCorp COM 493267108   17 1,000 SH   SOLE   1,000 0 0
Kinder Morgan Inc COM 49456B101   36 2,000 SH   DFND   0 0 2,000
Kinder Morgan Inc COM 49456B101   4 220 SH   SOLE   220 0 0
Kraft Foods Inc CL A 609207105   145 2,179 SH   DFND   0 0 2,179
Kraft Foods Inc CL A 609207105   148 2,215 SH   SOLE   2,215 0 0
Kraft Heinz Co/The COM 500754106   42 1,028 SH   DFND   0 0 1,028
Kraft Heinz Co/The COM 500754106   0 2 SH   SOLE   2 0 0
KraneShares ETFs/USA QUADRTC INT RT 500767736   26 1,130 SH   DFND   0 0 1,130
Kyndryl Holdings Inc COMMON STOCK 50155Q100   5 456 SH   DFND   0 0 456
Kyndryl Holdings Inc COMMON STOCK 50155Q100   3 248 SH   SOLE   248 0 0
L3Harris Technologies Inc COM 502431109   89 428 SH   DFND   0 0 428
L3Harris Technologies Inc COM 502431109   179 861 SH   SOLE   861 0 0
LOWE'S COS INC COM 548661107   182 913 SH   DFND   198 0 715
LOWE'S COS INC COM 548661107   952 4,779 SH   SOLE   2,511 0 2,268
LUCID GROUP INC COM 549498103   4 530 SH   DFND   0 0 530
Laboratory Corp of America Hol COM NEW 50540R409   235 1,000 SH   DFND   0 0 1,000
Lamb Weston Holdings Inc COM 513272104   24 266 SH   DFND   0 0 266
Leggett & Platt Inc COM 524660107   129 4,000 SH   DFND   800 0 3,200
Linde PLC SHS G5494J103   147 451 SH   DFND   0 0 451
Lindsay Corp COM 535555106   49 300 SH   DFND   300 0 0
Lithium Americas Corp COM NEW 53680Q207   4 200 SH   DFND   0 0 200
Lockheed Martin Corp COM 539830109   209 429 SH   DFND   0 0 429
Lockheed Martin Corp COM 539830109   90 186 SH   SOLE   186 0 0
Loews Corp COM 126117100   25 600 SH   DFND   0 0 600
Lululemon Athletica Inc COM 550021109   45 140 SH   DFND   0 0 140
Lumentum Holdings Inc COM 55024U109   26 500 SH   DFND   400 0 100
M&T Bank Corp COM 55261F104   73 500 SH   DFND   0 0 500
MARSH & MCLENNAN COM 571748102   102 618 SH   SOLE   618 0 0
MASTERCARD INC CL A 57636Q104   175 502 SH   DFND   246 0 256
MASTERCARD INC CL A 57636Q104   6,559 18,861 SH   SOLE   18,426 0 435
MATTEL INC COM 577081102   2 100 SH   DFND   0 0 100
MCCORMICK & CO INC COM NON VTG 579780206   50 605 SH   SOLE   605 0 0
MCDONALD'S CORP COM 580135101   1,822 6,914 SH   DFND   772 0 6,142
MCDONALD'S CORP COM 580135101   9,004 34,168 SH   SOLE   33,636 0 532
MCKESSON CORP COM 58155Q103   95 254 SH   SOLE   29 0 225
MDC Holdings Inc COM 552676108   21 660 SH   DFND   0 0 660
MDU RES GROUP INC COM 552690109   61 2,000 SH   DFND   2,000 0 0
MICROSOFT CORP COM 594918104   6,956 29,006 SH   DFND   3,128 0 25,878
MICROSOFT CORP COM 594918104   21,540 89,818 SH   SOLE   85,690 0 4,128
MOLSON COORS BREWING CO CL B 60871R209   3 50 SH   SOLE   50 0 0
MSC Industrial Direct Co Inc CL A 553530106   131 1,600 SH   DFND   0 0 1,600
Macerich Co/The COM 554382101   79 7,045 SH   DFND   0 0 7,045
Madison Square Garden Co/The CL A 55825T103   78 426 SH   DFND   426 0 0
Marathon Oil Corp COM 565849106   53 1,974 SH   DFND   0 0 1,974
Marathon Petroleum Corp COM 56585A102   189 1,624 SH   DFND   0 0 1,624
Marathon Petroleum Corp COM 56585A102   6 51 SH   SOLE   51 0 0
Marriott International Inc/MD CL A 571903202   146 979 SH   SOLE   979 0 0
Marriott Vacations Worldwide C COM 57164Y107   12 87 SH   SOLE   87 0 0
Masco Corp COM 574599106   163 3,500 SH   DFND   0 0 3,500
Medtronic PLC SHS G5960L103   10 131 SH   DFND   0 0 131
Medtronic PLC SHS G5960L103   10 128 SH   SOLE   128 0 0
Merck & Co Inc COM 58933Y105   673 6,062 SH   DFND   2,182 0 3,880
Merck & Co Inc COM 58933Y105   8,846 79,728 SH   SOLE   78,138 0 1,590
MetLife Inc COM 59156R108   109 1,500 SH   DFND   0 0 1,500
MetLife Inc COM 59156R108   138 1,900 SH   SOLE   750 0 1,150
Micro Focus International PLC SPON ADR NEW 594837403   0 65 SH   DFND   0 0 65
Microchip Technology Inc COM 595017104   230 3,280 SH   DFND   0 0 3,280
Microchip Technology Inc COM 595017104   313 4,458 SH   SOLE   4,458 0 0
Micron Technology Inc COM 595112103   1 30 SH   DFND   0 0 30
Moderna Inc COM 60770K107   2 10 SH   DFND   0 0 10
Monroe Capital Corp COM 610335101   74 8,712 SH   DFND   0 0 8,712
NBT Bancorp Inc COM 628778102   1,587 36,546 SH   DFND   0 0 36,546
NBT Bancorp Inc COM 628778102   554 12,755 SH   SOLE   12,755 0 0
NEWMONT MINING CP COM 651639106   77 1,630 SH   DFND   1,630 0 0
NEXTERA ENERGY COM 65339F101   218 2,606 SH   DFND   0 0 2,606
NEXTERA ENERGY COM 65339F101   428 5,118 SH   SOLE   5,118 0 0
NGL Energy Partners LP COM UNIT REPST 62913M107   2 1,300 SH   DFND   0 0 1,300
NIKE INC CL B 654106103   253 2,160 SH   DFND   0 0 2,160
NIKE INC CL B 654106103   469 4,009 SH   SOLE   2,709 0 1,300
NRG Energy Inc COM NEW 629377508   3 100 SH   DFND   100 0 0
NVIDIA Corp COM 67066G104   58 400 SH   DFND   400 0 0
NVIDIA Corp COM 67066G104   3,657 25,026 SH   SOLE   22,647 0 2,379
National Amusements Inc CLASS A COM 92556H107   0 25 SH   DFND   0 0 25
National Amusements Inc CLASS B COM 92556H206   0 26 SH   DFND   0 0 26
National Amusements Inc CLASS B COM 92556H206   3 195 SH   SOLE   195 0 0
Newtek Business Services Corp COM NEW 652526203   5 300 SH   DFND   0 0 300
Nokia Oyj SPONSORED ADR 654902204   1 200 SH   SOLE   200 0 0
Norfolk Southern Corp COM 655844108   111 450 SH   SOLE   450 0 0
Norwood Financial Corp COM 669549107   167 5,000 SH   SOLE   5,000 0 0
Novartis AG SPONSORED ADR 66987V109   114 1,260 SH   DFND   700 0 560
Novartis AG SPONSORED ADR 66987V109   130 1,434 SH   SOLE   1,434 0 0
Novocure Ltd ORD SHS G6674U108   7 100 SH   DFND   0 0 100
Nucor Corp COM 670346105   7 50 SH   DFND   0 0 50
Nuveen Closed-End Funds/USA COM 67066X107   112 10,505 SH   SOLE   10,505 0 0
Nuveen Closed-End Funds/USA COM 67069Y102   12 1,063 SH   DFND   0 0 1,063
Nuveen Closed-End Funds/USA COM 67072C105   14 2,000 SH   DFND   0 0 2,000
Nuveen Fund Advisors Inc COM 670656107   5 500 SH   DFND   0 0 500
OCCIDENTAL PETROLEUM CORP *W EXP 08/03/202 674599162   10 234 SH   DFND   0 0 234
OGE Energy Corp COM 670837103   8 200 SH   DFND   100 0 100
ORACLE CORP COM 68389X105   193 2,367 SH   DFND   2,367 0 0
ORACLE CORP COM 68389X105   478 5,842 SH   SOLE   3,087 0 2,755
Occidental Petroleum Corp COM 674599105   118 1,876 SH   DFND   0 0 1,876
Omnicom Group Inc COM 681919106   177 2,169 SH   DFND   0 0 2,169
Omnicom Group Inc COM 681919106   5 58 SH   SOLE   58 0 0
Organon & Co COMMON STOCK 68622V106   10 359 SH   DFND   40 0 319
Organon & Co COMMON STOCK 68622V106   1 27 SH   SOLE   27 0 0
Otis Worldwide Corp COM 68902V107   33 417 SH   DFND   0 0 417
Otis Worldwide Corp COM 68902V107   3 35 SH   SOLE   35 0 0
Ovintiv Inc COM 69047Q102   15 294 SH   DFND   0 0 294
Owl Rock Capital Corp COM 69121K104   11 965 SH   DFND   0 0 965
Oxford Lane Closed End Funds/U COM 691543102   81 16,000 SH   DFND   0 0 16,000
PEPSICO INC COM 713448108   1,239 6,857 SH   DFND   2,856 0 4,001
PEPSICO INC COM 713448108   8,374 46,351 SH   SOLE   44,911 0 1,440
PG&E CORP COM 69331C108   5 300 SH   DFND   0 0 300
PHILIP MORRIS INTL COM 718172109   493 4,873 SH   DFND   0 0 4,873
PHILIP MORRIS INTL COM 718172109   236 2,335 SH   SOLE   2,335 0 0
PIMCO Access Income Fund/Fund SHS BENFIN INT 72203T100   10 675 SH   DFND   0 0 675
PIMCO Funds/Closed-End/USA COM BEN SHS 69355M107   13 1,025 SH   DFND   0 0 1,025
PIMCO Funds/Closed-End/USA COM 72201B101   10 850 SH   DFND   0 0 850
PIMCO Funds/Closed-End/USA SHS 72201Y101   17 930 SH   DFND   0 0 930
PNC Financial Services Group I COM 693475105   482 3,053 SH   DFND   0 0 3,053
PPG Industries Inc COM 693506107   201 1,602 SH   DFND   700 0 902
PPG Industries Inc COM 693506107   23 182 SH   SOLE   30 0 152
PPL Corp COM 69351T106   175 6,000 SH   DFND   0 0 6,000
PPL Corp COM 69351T106   39 1,327 SH   SOLE   1,327 0 0
Palantir Technologies Inc CL A 69608A108   3 500 SH   DFND   0 0 500
Parametric Portfolio Associates LLC COM 27828Y108   4 300 SH   SOLE   300 0 0
PayPal Holdings Inc COM 70450Y103   132 1,848 SH   DFND   1,647 0 201
PayPal Holdings Inc COM 70450Y103   3,384 47,515 SH   SOLE   44,941 0 2,574
Paychex Inc COM 704326107   228 1,969 SH   DFND   0 0 1,969
Paychex Inc COM 704326107   425 3,676 SH   SOLE   3,676 0 0
Penn Entertainment Inc COM 707569109   3 100 SH   SOLE   100 0 0
Pfizer Inc COM 717081103   1,370 26,745 SH   DFND   3,600 0 23,145
Pfizer Inc COM 717081103   701 13,675 SH   SOLE   13,675 0 0
Phillips 66 COM 718546104   161 1,544 SH   DFND   0 0 1,544
Pinnacle West Capital Corp COM 723484101   152 2,000 SH   DFND   0 0 2,000
Plug Power Inc COM NEW 72919P202   1 120 SH   DFND   0 0 120
Portland General Electric Co COM NEW 736508847   29 600 SH   DFND   600 0 0
Principal Financial Group Inc COM 74251V102   175 2,080 SH   DFND   0 0 2,080
ProShare Advisors LLC S&P 500 DV ARIST 74348A467   2 20 SH   DFND   0 0 20
Procter & Gamble Co/The COM 742718109   5,753 37,960 SH   DFND   0 0 37,960
Procter & Gamble Co/The COM 742718109   1,938 12,790 SH   SOLE   11,765 0 1,025
Prudential Financial Inc COM 744320102   3 35 SH   SOLE   35 0 0
Public Service Enterprise Grou COM 744573106   164 2,679 SH   DFND   700 0 1,979
Public Service Enterprise Grou COM 744573106   6,184 100,932 SH   SOLE   99,365 0 1,567
Public Storage COM 74460D109   222 793 SH   DFND   238 0 555
Public Storage COM 74460D109   4,837 17,263 SH   SOLE   16,875 0 388
QUALCOMM Inc COM 747525103   220 2,000 SH   DFND   0 0 2,000
QUALCOMM Inc COM 747525103   3 25 SH   SOLE   25 0 0
Quest Diagnostics Inc COM 74834L100   75 480 SH   DFND   0 0 480
RESTAURANT BRANDS INTERNATIONA COM 76131D103   65 1,000 SH   DFND   0 0 1,000
RMR Group Inc/The CL A 74967R106   1 49 SH   DFND   0 0 49
ROCKWELL AUTOMATION COM 773903109   133 516 SH   DFND   316 0 200
Raytheon Technologies Corp COM 75513E101   486 4,814 SH   DFND   817 0 3,997
Raytheon Technologies Corp COM 75513E101   104 1,035 SH   SOLE   102 0 933
Republic Services Inc COM 760759100   19 147 SH   DFND   0 0 147
Rio Tinto PLC SPONSORED ADR 767204100   171 2,400 SH   DFND   0 0 2,400
Rivian Automotive Inc COM CL A 76954A103   0 15 SH   DFND   0 0 15
Rivian Automotive Inc COM CL A 76954A103   0 25 SH   SOLE   25 0 0
Roundhill Financial Inc ROUNDHILL SPORTS 53656F789   6 400 SH   DFND   400 0 0
Royal Bank of Canada COM 780087102   226 2,400 SH   DFND   0 0 2,400
S&P Global Inc COM 78409V104   99 295 SH   SOLE   295 0 0
SACHEM CAPITAL CORP COM 78590A109   9 2,820 SH   DFND   0 0 2,820
SALESFORCE.COM INC COM 79466L302   76 571 SH   DFND   21 0 550
SALESFORCE.COM INC COM 79466L302   145 1,090 SH   SOLE   1,090 0 0
SANDSTORM GOLD LTD COM NEW 80013R206   6 1,200 SH   DFND   0 0 1,200
SELECT SECTOR SPDR SBI HEALTHCARE 81369Y209   29 215 SH   SOLE   215 0 0
SELECT SECTOR SPDR SBI CONS STPLS 81369Y308   2 21 SH   DFND   0 0 21
SELECT SECTOR SPDR SBI CONS STPLS 81369Y308   112 1,500 SH   SOLE   1,500 0 0
SELECT SECTOR SPDR SBI CONS DISCR 81369Y407   40 307 SH   SOLE   307 0 0
SELECT SECTOR SPDR ENERGY 81369Y506   157 1,800 SH   DFND   1,800 0 0
SELECT SECTOR SPDR FINANCIAL 81369Y605   60 1,750 SH   DFND   0 0 1,750
SELECT SECTOR SPDR FINANCIAL 81369Y605   44 1,301 SH   SOLE   1,301 0 0
SELECT SECTOR SPDR TECHNOLOGY 81369Y803   1,029 8,266 SH   DFND   600 0 7,666
SEMPRA ENERGY COM 816851109   175 1,133 SH   DFND   0 0 1,133
SIMON PROP GROUP COM 828806109   2 15 SH   SOLE   15 0 0
SMUCKER(JM)CO COM NEW 832696405   37 235 SH   DFND   0 0 235
SNAP INC CL A 83304A106   0 10 SH   DFND   0 0 10
SPDR DOW JONES IND UT SER 1 78467X109   890 2,685 SH   DFND   0 0 2,685
SPDR GOLD TRUST GOLD SHS 78463V107   5 30 SH   SOLE   30 0 0
SPDR SERIES TRUST BBG CONV SEC ETF 78464A359   84 1,308 SH   SOLE   1,308 0 0
SPDR SERIES TRUST S&P REGL BKG 78464A698   106 1,800 SH   SOLE   1,800 0 0
SPROTT ASSET MANAGEMENT LP/CAN UNIT 85207H104   753 53,400 SH   DFND   53,400 0 0
SSGA FUNDS MANAGEMENT PORTFOLIO SHORT 78464A474   0 7 SH   DFND   0 0 7
SSGA FUNDS MANAGEMENT INC NYSE TECH ETF 78464A102   39 400 SH   DFND   400 0 0
SSGA FUNDS MANAGEMENT INC PORTFOLIO INTRMD 78464A375   12 362 SH   SOLE   362 0 0
SSGA FUNDS MANAGEMENT INC PRTFLO S&P500 VL 78464A508   1 35 SH   DFND   0 0 35
SSGA FUNDS MANAGEMENT INC BLOOMBERG SHT TE 78468R408   50 2,051 SH   SOLE   2,051 0 0
SSGA FUNDS MANAGEMENT INC PORTFLI HIGH YLD 78468R606   49 2,212 SH   SOLE   2,212 0 0
SSGA Funds Management Inc S&P DIVID ETF 78464A763   388 3,100 SH   DFND   600 0 2,500
SSGA Funds Management Inc S&P DIVID ETF 78464A763   201 1,608 SH   SOLE   1,608 0 0
SSgA Funds Management Inc PRTFLO S&P500 GW 78464A409   30 600 SH   SOLE   600 0 0
SSgA Funds Management Inc S&P 400 MDCP VAL 78464A839   1 14 SH   DFND   0 0 14
STARBUCKS CORP COM 855244109   74 749 SH   DFND   609 0 140
STARBUCKS CORP COM 855244109   3,130 31,557 SH   SOLE   30,865 0 692
STATE STREET ETF/USA UTSER1 S&PDCRP 78467Y107   843 1,904 SH   DFND   0 0 1,904
SUNPOWER CORP COM 867652406   1 50 SH   DFND   0 0 50
Sarepta Therapeutics Inc COM 803607100   21 162 SH   SOLE   162 0 0
Schlumberger Ltd COM STK 806857108   225 4,200 SH   DFND   600 0 3,600
Selective Insurance Group Inc COM 816300107   127 1,438 SH   SOLE   1,438 0 0
Shake Shack Inc CL A 819047101   2 50 SH   DFND   0 0 50
Shell PLC SPON ADS 780259305   184 3,230 SH   DFND   0 0 3,230
Sherwin-Williams Co/The COM 824348106   2 9 SH   SOLE   9 0 0
Skyworks Solutions Inc COM 83088M102   9 100 SH   DFND   0 0 100
Snap-on Inc COM 833034101   160 700 SH   DFND   0 0 700
Snowflake Inc CL A 833445109   14 100 SH   DFND   100 0 0
Sony Group Corp SPONSORED ADR 835699307   4 50 SH   DFND   0 0 50
Southern Co/The COM 842587107   40 555 SH   DFND   0 0 555
Southern Co/The COM 842587107   136 1,900 SH   SOLE   1,900 0 0
Sprott Asset Management CEFs TR UNIT 85207K107   585 71,000 SH   DFND   71,000 0 0
Sprott Asset Management CEFs TR UNIT 85208R101   741 41,300 SH   DFND   41,300 0 0
Stanley Black & Decker Inc COM 854502101   160 2,130 SH   SOLE   2,130 0 0
State Street Corp COM 857477103   33 430 SH   DFND   100 0 330
State Street ETF/USA TR UNIT 78462F103   1,634 4,273 SH   DFND   511 0 3,762
State Street ETF/USA TR UNIT 78462F103   705 1,844 SH   SOLE   1,844 0 0
State Street ETF/USA S&P RETAIL ETF 78464A714   54 900 SH   DFND   900 0 0
State Street Global Advisors Inc S&P INTL SMLCP 78463X871   53 1,800 SH   DFND   1,800 0 0
State Street Global Advisors Inc ICE PFD SEC ETF 78464A292   10 291 SH   SOLE   291 0 0
State Street Global Advisors Inc S&P SEMICNDCTR 78464A862   17 100 SH   DFND   100 0 0
State Street Global Advisors Inc S&P BIOTECH 78464A870   58 700 SH   DFND   700 0 0
State Street Global Advisors Inc BLOOMBERG HIGH Y 78468R622   27 295 SH   SOLE   295 0 0
State Street Global Advisors Inc BLOOMBERG 1-3 MO 78468R663   14 158 SH   DFND   158 0 0
State Street Global Advisors Inc PRTFLO S&P500 HI 78468R788   107 2,700 SH   SOLE   2,700 0 0
State Street Global Advisors Inc SBI INT-INDS 81369Y704   38 392 SH   SOLE   392 0 0
State Street Global Advisors Inc RL EST SEL SEC 81369Y860   1 20 SH   DFND   0 0 20
Stryker Corp COM 863667101   257 1,051 SH   DFND   683 0 368
Stryker Corp COM 863667101   3,714 15,191 SH   SOLE   14,403 0 788
Summit Materials Inc CL A 86614U100   29 1,017 SH   DFND   1,017 0 0
Sunrun Inc COM 86771W105   2 100 SH   SOLE   100 0 0
Sylvamo Corp COMMON STOCK 871332102   1 14 SH   SOLE   14 0 0
Sysco Corp COM 871829107   665 8,700 SH   DFND   0 0 8,700
TE Connectivity Ltd SHS H84989104   20 170 SH   DFND   0 0 170
TE Connectivity Ltd SHS H84989104   50 432 SH   SOLE   432 0 0
TEKLA HEALTHCARE SH BEN INT 87911J103   8 465 SH   DFND   0 0 465
TEKLA WORLD HEALTH BEN INT SHS 87911L108   9 640 SH   DFND   0 0 640
TEXAS INSTRUMENTS COM 882508104   264 1,600 SH   DFND   0 0 1,600
TEXAS INSTRUMENTS COM 882508104   290 1,754 SH   SOLE   1,754 0 0
TJX Cos Inc/The COM 872540109   237 2,973 SH   DFND   696 0 2,277
TJX Cos Inc/The COM 872540109   7,109 89,309 SH   SOLE   84,662 0 4,647
TORONTO-DOMINION COM NEW 891160509   78 1,200 SH   DFND   0 0 1,200
TRAVELERS CO INC COM 89417E109   56 300 SH   DFND   0 0 300
TRAVELERS CO INC COM 89417E109   103 552 SH   SOLE   552 0 0
TSMC SPONSORED ADS 874039100   95 1,275 SH   DFND   1,175 0 100
Tanger Factory Outlet Centers COM 875465106   13 700 SH   DFND   0 0 700
Target Corp COM 87612E106   190 1,275 SH   DFND   0 0 1,275
Target Corp COM 87612E106   271 1,815 SH   SOLE   1,815 0 0
Tesla Inc COM 88160R101   141 1,146 SH   DFND   0 0 1,146
Tesla Inc COM 88160R101   37 300 SH   SOLE   300 0 0
Thermo Fisher Scientific Inc COM 883556102   822 1,493 SH   DFND   993 0 500
Thermo Fisher Scientific Inc COM 883556102   468 850 SH   SOLE   850 0 0
Tompkins Financial Corp COM 890110109   56,467 727,860 SH   DFND   0 0 727,860
Tompkins Financial Corp COM 890110109   35,432 456,710 SH   SOLE   0 0 456,710
TopBuild Corp COM 89055F103   61 388 SH   DFND   0 0 388
TriplePoint Venture Growth BDC COM 89677Y100   15 1,450 SH   DFND   0 0 1,450
Truist Financial Corp COM 89832Q109   129 3,005 SH   DFND   0 0 3,005
Truist Financial Corp COM 89832Q109   3 75 SH   SOLE   75 0 0
TrustCo Bank Corp NY COM NEW 898349204   2 47 SH   DFND   0 0 47
Tyson Foods Inc CL A 902494103   106 1,702 SH   DFND   0 0 1,702
Tyson Foods Inc CL A 902494103   43 696 SH   SOLE   696 0 0
UGI Corp COM 902681105   94 2,524 SH   SOLE   2,524 0 0
US Bancorp COM NEW 902973304   5 120 SH   SOLE   120 0 0
USA Compression Partners LP COMUNIT LTDPAR 90290N109   22 1,115 SH   DFND   0 0 1,115
UTD PARCEL SERV CL B 911312106   170 977 SH   DFND   568 0 409
UTD PARCEL SERV CL B 911312106   6,678 38,414 SH   SOLE   37,473 0 941
Unilever PLC SPON ADR NEW 904767704   5 100 SH   SOLE   100 0 0
Union Pacific Corp COM 907818108   147 708 SH   DFND   0 0 708
Union Pacific Corp COM 907818108   195 944 SH   SOLE   544 0 400
United States Steel Corp COM 912909108   5 200 SH   SOLE   200 0 0
UnitedHealth Group Inc COM 91324P102   530 1,000 SH   DFND   0 0 1,000
UnitedHealth Group Inc COM 91324P102   232 437 SH   SOLE   437 0 0
VANECK VECTORS ETF AGRIBUSINESS ETF 92189F700   103 1,200 SH   DFND   1,200 0 0
VANECK VECTORS ETF JUNIOR GOLD MINE 92189F791   53 1,500 SH   DFND   1,500 0 0
VANGUARD S&P 500 ETF SHS 922908363   711 2,023 SH   DFND   1,537 0 486
VANGUARD S&P 500 ETF SHS 922908363   3,148 8,961 SH   SOLE   8,775 0 186
VANGUARD ETF/USA DIV APP ETF 921908844   91 600 SH   DFND   600 0 0
VANGUARD ETF/USA DIV APP ETF 921908844   62 408 SH   SOLE   408 0 0
VANGUARD ETF/USA LONG TERM BOND 921937793   13 183 SH   SOLE   183 0 0
VANGUARD ETF/USA STRM INFPROIDX 922020805   2,258 48,345 SH   DFND   5,700 0 42,645
VANGUARD ETF/USA STRM INFPROIDX 922020805   2 47 SH   SOLE   47 0 0
VANGUARD ETF/USA GLB EX US ETF 922042676   25 600 SH   DFND   600 0 0
VANGUARD ETF/USA SHRT TRM CORP BD 92206C409   4 51 SH   DFND   0 0 51
VANGUARD ETF/USA INT-TERM CORP 92206C870   17 220 SH   SOLE   220 0 0
VANGUARD ETF/USA SM CP VAL ETF 922908611   43 268 SH   SOLE   268 0 0
VANGUARD ETF/USA TOTAL STK MKT 922908769   835 4,366 SH   DFND   325 0 4,041
VANGUARD ETF/USA TOTAL STK MKT 922908769   212 1,110 SH   SOLE   1,110 0 0
VANGUARD GROUP SHORT TRM BOND 921937827   6 78 SH   DFND   78 0 0
VANGUARD GROUP SHORT TRM BOND 921937827   112 1,492 SH   SOLE   1,492 0 0
VANGUARD GROUP INC/THE TOTAL INT BD ETF 92203J407   7 154 SH   SOLE   154 0 0
VANGUARD INTL EQUI FTSE EUROPE ETF 922042874   196 3,530 SH   SOLE   582 0 2,948
VERIZON COMMUN COM 92343V104   731 18,547 SH   DFND   1,944 0 16,603
VERIZON COMMUN COM 92343V104   6,583 167,090 SH   SOLE   164,673 0 2,417
VF Corp COM 918204108   5 178 SH   SOLE   178 0 0
VIATRIS INC COM 92556V106   28 2,538 SH   DFND   111 0 2,427
VIATRIS INC COM 92556V106   6 527 SH   SOLE   527 0 0
VISA INC COM CL A 92826C839   7 35 SH   DFND   0 0 35
VISA INC COM CL A 92826C839   331 1,592 SH   SOLE   1,592 0 0
VMware Inc CL A COM 928563402   2 18 SH   SOLE   18 0 0
Valero Energy Corp COM 91913Y100   9 70 SH   SOLE   70 0 0
Valley National Bancorp COM 919794107   182 16,075 SH   DFND   0 0 16,075
Valvoline Inc COM 92047W101   308 9,444 SH   DFND   0 0 9,444
Van Eck Absolute Return Advisers Corp DIGI TRANSFRM 92189H821   1 400 SH   DFND   400 0 0
Van Eck Associates Corp GOLD MINERS ETF 92189F106   138 4,800 SH   DFND   4,800 0 0
Van Eck Associates Corp FALLEN ANGEL HG 92189F437   42 1,555 SH   DFND   0 0 1,555
Van Eck Associates Corp JP MRGAN EM LOC 92189H300   12 477 SH   SOLE   477 0 0
Van Eck Associates Corp RARE EARTH/STRTG 92189H805   76 1,000 SH   DFND   1,000 0 0
Vanguard ETF/USA 500 GRTH IDX F 921932505   1,133 5,370 SH   SOLE   5,370 0 0
Vanguard ETF/USA INTERMED TERM 921937819   3 47 SH   SOLE   47 0 0
Vanguard ETF/USA TOTAL BND MRKT 921937835   52 717 SH   DFND   0 0 717
Vanguard ETF/USA TOTAL BND MRKT 921937835   6,110 85,054 SH   SOLE   82,449 0 2,605
Vanguard ETF/USA VAN FTSE DEV MKT 921943858   953 22,715 SH   DFND   22,715 0 0
Vanguard ETF/USA VAN FTSE DEV MKT 921943858   11,824 281,734 SH   SOLE   280,697 0 1,037
Vanguard ETF/USA FTSE EMR MKT ETF 922042858   48 1,227 SH   SOLE   1,227 0 0
Vanguard ETF/USA ENERGY ETF 92204A306   182 1,500 SH   DFND   1,500 0 0
Vanguard ETF/USA HEALTH CAR ETF 92204A504   74 300 SH   DFND   300 0 0
Vanguard ETF/USA HEALTH CAR ETF 92204A504   136 547 SH   SOLE   547 0 0
Vanguard ETF/USA INF TECH ETF 92204A702   96 300 SH   DFND   300 0 0
Vanguard ETF/USA UTILITIES ETF 92204A876   100 650 SH   DFND   650 0 0
Vanguard ETF/USA INTER TERM TREAS 92206C706   34 587 SH   SOLE   587 0 0
Vanguard ETF/USA MTG-BKD SECS ETF 92206C771   3 76 SH   SOLE   76 0 0
Vanguard ETF/USA MCAP VL IDXVIP 922908512   16 122 SH   SOLE   122 0 0
Vanguard ETF/USA REAL ESTATE ETF 922908553   60 725 SH   DFND   300 0 425
Vanguard ETF/USA REAL ESTATE ETF 922908553   749 9,085 SH   SOLE   8,065 0 1,020
Vanguard ETF/USA SML CP GRW ETF 922908595   31 155 SH   SOLE   155 0 0
Vanguard ETF/USA MID CAP ETF 922908629   65 320 SH   DFND   150 0 170
Vanguard ETF/USA MID CAP ETF 922908629   367 1,803 SH   SOLE   1,803 0 0
Vanguard ETF/USA GROWTH ETF 922908736   35 164 SH   SOLE   164 0 0
Vanguard ETF/USA VALUE ETF 922908744   63 446 SH   SOLE   446 0 0
Vanguard ETF/USA SMALL CP ETF 922908751   159 868 SH   DFND   740 0 128
Vanguard ETF/USA SMALL CP ETF 922908751   1,595 8,690 SH   SOLE   8,646 0 44
Ventas Inc COM 92276F100   3 60 SH   SOLE   60 0 0
Vertex Pharmaceuticals Inc COM 92532F100   4 15 SH   SOLE   15 0 0
Victoria's Secret & Co COMMON STOCK 926400102   4 100 SH   DFND   0 0 100
Vodafone Group PLC SPONSORED ADR 92857W308   41 4,100 SH   DFND   0 0 4,100
Vodafone Group PLC SPONSORED ADR 92857W308   15 1,500 SH   SOLE   1,500 0 0
Voya Investments LLC CORE S&P MCP ETF 464287507   1,967 8,131 SH   DFND   3,102 0 5,029
Voya Investments LLC CORE S&P MCP ETF 464287507   11,590 47,914 SH   SOLE   42,659 0 5,255
Voya Investments LLC CORE S&P US VLU 464287663   29 405 SH   SOLE   405 0 0
WASTE MANAGEMENT COM 94106L109   457 2,914 SH   DFND   343 0 2,571
WASTE MANAGEMENT COM 94106L109   7,812 49,797 SH   SOLE   49,204 0 593
WEC Energy Group Inc COM 92939U106   47 500 SH   DFND   0 0 500
WEC Energy Group Inc COM 92939U106   177 1,886 SH   SOLE   1,886 0 0
WELLS FARGO & CO COM 949746101   56 1,350 SH   DFND   0 0 1,350
WELLS FARGO & CO COM 949746101   102 2,470 SH   SOLE   2,470 0 0
WESTN DIGITAL CORP COM 958102105   9 300 SH   DFND   0 0 300
WP Carey Inc COM 92936U109   32 406 SH   SOLE   406 0 0
WW Grainger Inc COM 384802104   300 539 SH   SOLE   539 0 0
Walgreens Boots Alliance Inc COM 931427108   24 647 SH   DFND   577 0 70
Walgreens Boots Alliance Inc COM 931427108   15 405 SH   SOLE   405 0 0
Walmart Inc COM 931142103   1,098 7,741 SH   DFND   1,019 0 6,722
Walmart Inc COM 931142103   9,418 66,422 SH   SOLE   65,137 0 1,285
Walt Disney Co/The COM 254687106   356 4,095 SH   DFND   738 0 3,357
Walt Disney Co/The COM 254687106   328 3,771 SH   SOLE   2,021 0 1,750
Warner Bros Discovery Inc COM SER A 934423104   56 5,869 SH   DFND   0 0 5,869
Warner Bros Discovery Inc COM SER A 934423104   64 6,795 SH   SOLE   6,795 0 0
Webster Financial Corp COM 947890109   1,191 25,162 SH   DFND   0 0 25,162
Westinghouse Air Brake Technol COM 929740108   11 110 SH   DFND   0 0 110
Westinghouse Air Brake Technol COM 929740108   7 66 SH   SOLE   66 0 0
Westrock Co COM 96145D105   27 780 SH   DFND   0 0 780
Wheaton Precious Metals Corp COM 962879102   10 247 SH   DFND   0 0 247
Whirlpool Corp COM 963320106   54 383 SH   DFND   0 0 383
Willis Towers Watson PLC SHS G96629103   2 9 SH   SOLE   9 0 0
WisdomTree Asset Management Inc EM EX ST-OWNED 97717X578   105 3,950 SH   DFND   1,695 0 2,255
WisdomTree Asset Management Inc EM EX ST-OWNED 97717X578   16,986 636,650 SH   SOLE   627,501 0 9,149
WisdomTree Asset Management Inc US QTLY DIV GRT 97717X669   45 750 SH   DFND   750 0 0
WisdomTree Asset Management Inc EUROPE HEDGED EQ 97717X701   55 780 SH   DFND   0 0 780
WisdomTree Asset Management Inc EUROPE HEDGED EQ 97717X701   27 391 SH   SOLE   391 0 0
WisdomTree ETFs/USA US TOTAL DIVIDND 97717W109   78 1,294 SH   SOLE   1,294 0 0
Wolfspeed Inc COM 977852102   1 10 SH   DFND   0 0 10
XA Investments LLC COM 98400T106   6 1,000 SH   DFND   0 0 1,000
Xylem Inc/NY COM 98419M100   44 400 SH   DFND   0 0 400
YUM BRANDS INC COM 988498101   192 1,500 SH   DFND   0 0 1,500
ZIMMER HLDGS INC COM 98956P102   55 430 SH   DFND   0 0 430
ZIMMER HLDGS INC COM 98956P102   31 245 SH   SOLE   245 0 0
Zimmer Biomet Holdings Inc COM 98888T107   0 3 SH   DFND   0 0 3
iShares ETFs/USA MSCI PAC JP ETF 464286665   39 914 SH   SOLE   914 0 0
iShares ETFs/USA CORE US AGGBD ET 464287226   502 5,172 SH   DFND   0 0 5,172
iShares ETFs/USA CORE US AGGBD ET 464287226   1,390 14,332 SH   SOLE   14,332 0 0
iShares ETFs/USA 3 7 YR TREAS BD 464288661   18 157 SH   DFND   0 0 157
iShares ETFs/USA IBONDS DEC24 ETF 46434VBG4   2,198 89,990 SH   DFND   0 0 89,990
iShares ETFs/USA BROAD USD HIGH 46435U853   33 961 SH   SOLE   961 0 0
iShares/USA MSCI SWITZERLAND 464286749   117 2,800 SH   DFND   2,800 0 0
iSun Inc COM 465246106   0 100 SH   DFND   0 0 100