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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M Co COM 88579Y101 386 3,494 SH   DFND   605 0 2,889
3M Co COM 88579Y101 540 4,888 SH   SOLE   4,888 0 0
AECOM COM 00766T100 31 450 SH   DFND   450 0 0
AGILENT TECHS INC COM 00846U101 113 930 SH   DFND   625 0 305
AGNC INVESTMENT CORP COM 00123Q104 61 7,250 SH   DFND   0 0 7,250
ALBEMARLE CORP COM 012653101 26 100 SH   DFND   0 0 100
ALCON AG ORD SHS H01301128 13 220 SH   SOLE   220 0 0
ALPHABET INC CAP STK CL A 02079K305 189 1,980 SH   DFND   1,220 0 760
ALPHABET INC CAP STK CL A 02079K305 6,649 69,511 SH   SOLE   67,911 0 1,600
AMER EXPRESS CO COM 025816109 243 1,800 SH   DFND   0 0 1,800
AMER EXPRESS CO COM 025816109 199 1,476 SH   SOLE   451 0 1,025
AMER INTL GRP COM NEW 026874784 9 195 SH   DFND   0 0 195
AMER INTL GRP COM NEW 026874784 108 2,274 SH   SOLE   2,274 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 72 2,102 SH   DFND   0 0 2,102
APPIAN CORP CL A 03782L101 16 400 SH   SOLE   400 0 0
ARK Investment Management LLC AUTNMUS TECHNLGY 00214Q203 9 205 SH   DFND   0 0 205
AT&T INC COM 00206R102 782 50,965 SH   DFND   2,700 0 48,265
AT&T INC COM 00206R102 509 33,209 SH   SOLE   33,209 0 0
AUTOMATIC DATA PROCESSING COM 053015103 1,612 7,128 SH   DFND   746 0 6,382
AUTOMATIC DATA PROCESSING COM 053015103 978 4,323 SH   SOLE   3,093 0 1,230
AbbVie Inc COM 00287Y109 3,640 27,120 SH   DFND   250 0 26,870
AbbVie Inc COM 00287Y109 1,011 7,530 SH   SOLE   7,030 0 500
Abbott Laboratories COM 002824100 2,354 24,325 SH   DFND   1,007 0 23,318
Abbott Laboratories COM 002824100 6,174 63,809 SH   SOLE   62,303 0 1,506
Aberdeen Funds COM SH BEN INT 00302L108 5 1,350 SH   DFND   0 0 1,350
Accenture PLC SHS CLASS A G1151C101 70 273 SH   DFND   197 0 76
Accenture PLC SHS CLASS A G1151C101 4,079 15,854 SH   SOLE   15,148 0 706
Activision Blizzard Inc COM 00507V109 5 61 SH   SOLE   61 0 0
Adobe Inc COM 00724F101 130 472 SH   DFND   442 0 30
Adobe Inc COM 00724F101 3,097 11,253 SH   SOLE   10,771 0 482
Aflac Inc COM 001055102 167 2,974 SH   SOLE   2,974 0 0
Air Products and Chemicals Inc COM 009158106 364 1,566 SH   DFND   0 0 1,566
Air Products and Chemicals Inc COM 009158106 54 230 SH   SOLE   230 0 0
Alcoa Corp COM 013872106 67 2,000 SH   DFND   0 0 2,000
Alexandria Real Estate Equitie COM 015271109 85 609 SH   DFND   0 0 609
Allstate Corp/The COM 020002101 5 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 37 383 SH   DFND   200 0 183
Alphabet Inc CAP STK CL C 02079K107 773 8,040 SH   SOLE   8,040 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 195 4,837 SH   DFND   0 0 4,837
Altria Group Inc COM 02209S103 93 2,300 SH   SOLE   2,300 0 0
Amazon.com Inc COM 023135106 410 3,632 SH   DFND   1,660 0 1,972
Amazon.com Inc COM 023135106 6,087 53,871 SH   SOLE   50,711 0 3,160
American Airlines Group Inc COM 02376R102 9 785 SH   DFND   0 0 785
American Electric Power Co Inc COM 025537101 94 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 10 76 SH   DFND   49 0 27
American Water Works Co Inc COM 030420103 4,619 35,488 SH   SOLE   34,572 0 916
Ameriprise Financial Inc COM 03076C106 40 159 SH   DFND   0 0 159
Amgen Inc COM 031162100 268 1,189 SH   DFND   36 0 1,153
Amgen Inc COM 031162100 6,302 27,957 SH   SOLE   26,528 0 1,429
Apollo Commercial Real Estate COM 03762U105 8 1,000 SH   DFND   0 0 1,000
Apple Inc COM 037833100 2,873 20,786 SH   DFND   5,219 0 15,567
Apple Inc COM 037833100 28,178 203,893 SH   SOLE   193,764 0 10,129
Archer-Daniels-Midland Co COM 039483102 180 2,241 SH   DFND   0 0 2,241
Arconic Corp COM 03966V107 26 1,525 SH   DFND   0 0 1,525
Ares Commercial Real Estate Co COM 04013V108 11 1,010 SH   DFND   0 0 1,010
Argan Inc COM 04010E109 6 200 SH   DFND   0 0 200
Arthur J Gallagher & Co COM 363576109 197 1,149 SH   DFND   716 0 433
Arthur J Gallagher & Co COM 363576109 8,829 51,568 SH   SOLE   50,995 0 573
Ashland Inc COM 044186104 327 3,442 SH   DFND   0 0 3,442
AstraZeneca PLC SPONSORED ADR 046353108 10 191 SH   SOLE   191 0 0
AutoZone Inc COM 053332102 261 122 SH   DFND   29 0 93
AutoZone Inc COM 053332102 137 64 SH   SOLE   64 0 0
Autoliv Inc COM 052800109 0 6 SH   DFND   0 0 6
Azenta Inc COM 114340102 26 600 SH   DFND   600 0 0
B&G Foods Inc COM 05508R106 16 1,000 SH   DFND   0 0 1,000
BARRICK GOLD CORP COM 067901108 17 1,097 SH   DFND   1,097 0 0
BAXTER INTL INC COM 071813109 77 1,430 SH   DFND   400 0 1,030
BAXTER INTL INC COM 071813109 120 2,226 SH   SOLE   1,026 0 1,200
BCE Inc COM NEW 05534B760 21 500 SH   DFND   500 0 0
BEST BUY CO INC COM 086516101 97 1,524 SH   DFND   0 0 1,524
BEST BUY CO INC COM 086516101 4 61 SH   SOLE   61 0 0
BK OF AMERICA CORP COM 060505104 206 6,812 SH   DFND   100 0 6,712
BK OF AMERICA CORP COM 060505104 35 1,162 SH   SOLE   1,162 0 0
BK OF MONTREAL COM 063671101 88 1,000 SH   DFND   0 0 1,000
BK OF NOVA SCOTIA COM 064149107 157 3,300 SH   DFND   0 0 3,300
BK OF NY MELLON CP COM 064058100 33 857 SH   DFND   0 0 857
BK OF NY MELLON CP COM 064058100 9 234 SH   SOLE   0 0 234
BOEING CO COM 097023105 84 697 SH   DFND   0 0 697
BOEING CO COM 097023105 14 114 SH   SOLE   114 0 0
BP PLC SPONSORED ADR 055622104 8 288 SH   DFND   0 0 288
BP PLC SPONSORED ADR 055622104 43 1,500 SH   SOLE   1,500 0 0
BRIGHTHOUSE FINANCIAL INC. COM 10922N103 87 2,000 SH   DFND   0 0 2,000
BRIGHTHOUSE FINANCIAL INC. COM 10922N103 1 15 SH   SOLE   15 0 0
BRISTOL-MYRS SQUIB COM 110122108 338 4,761 SH   DFND   739 0 4,022
BRISTOL-MYRS SQUIB COM 110122108 718 10,101 SH   SOLE   9,651 0 450
BRITISH AMERICAN TOBACCO PLC SPONSORED ADR 110448107 4 100 SH   DFND   0 0 100
BRITISH AMERICAN TOBACCO PLC SPONSORED ADR 110448107 13 367 SH   SOLE   367 0 0
BROOKFIELD ASSET M CL A LTD VT SH 112585104 1 18 SH   DFND   0 0 18
Bar Harbor Bankshares COM 066849100 44 1,650 SH   DFND   0 0 1,650
Bath & Body Works Inc COM 070830104 10 300 SH   DFND   0 0 300
Berkshire Hathaway Inc CL B NEW 084670702 26 98 SH   DFND   30 0 68
Berkshire Hathaway Inc CL B NEW 084670702 5,334 19,977 SH   SOLE   18,315 0 1,662
Beyond Meat Inc COM 08862E109 1 85 SH   DFND   0 0 85
Black Hills Corp COM 092113109 88 1,300 SH   DFND   1,300 0 0
BlackBerry Ltd COM 09228F103 2 500 SH   DFND   0 0 500
BlackRock Advisors LLC RUS MD CP GR ETF 464287481 47 600 SH   DFND   600 0 0
BlackRock Advisors LLC RUS MID CAP ETF 464287499 336 5,410 SH   SOLE   5,410 0 0
BlackRock Advisors LLC S&P MC 400GR ETF 464287606 130 2,065 SH   DFND   0 0 2,065
BlackRock Advisors LLC S&P MC 400GR ETF 464287606 54 864 SH   SOLE   864 0 0
BlackRock Advisors LLC RUSSELL 3000 ETF 464287689 31 150 SH   DFND   150 0 0
BlackRock Advisors LLC S&P MC 400VL ETF 464287705 8 88 SH   SOLE   88 0 0
BlackRock Advisors LLC US INDUSTRIALS 464287754 50 600 SH   SOLE   600 0 0
BlackRock Advisors LLC CORE S&P SCP ETF 464287804 238 2,725 SH   DFND   1,800 0 925
BlackRock Advisors LLC CORE S&P SCP ETF 464287804 703 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 252 5,861 SH   DFND   486 0 5,375
BlackRock Advisors LLC CORE MSCI EMKT 46434G103 2,094 48,728 SH   SOLE   47,918 0 810
BlackRock Advisors LLC MSCI SINGPOR ETF 46434G780 26 1,500 SH   DFND   1,500 0 0
BlackRock Advisors LLC MSCI JPN ETF NEW 46434G822 24 500 SH   DFND   500 0 0
BlackRock Fund Advisors MSCI JAPN SMCETF 464286582 29 500 SH   DFND   500 0 0
BlackRock Fund Advisors NORTH AMERN NAT 464287374 167 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 287 5,125 SH   DFND   4,525 0 600
BlackRock Fund Advisors MSCI EAFE ETF 464287465 797 14,224 SH   SOLE   14,224 0 0
BlackRock Fund Advisors NA TEC MULTM ETF 464287531 19 300 SH   DFND   300 0 0
BlackRock Fund Advisors RUS 2000 GRW ETF 464287648 668 3,234 SH   DFND   2,784 0 450
BlackRock Fund Advisors RUS 2000 GRW ETF 464287648 1,800 8,714 SH   SOLE   4,141 0 4,573
BlackRock Fund Advisors EAFE SML CP ETF 464288273 81 1,663 SH   DFND   1,650 0 13
BlackRock Fund Advisors EAFE SML CP ETF 464288273 21 437 SH   SOLE   437 0 0
BlackRock Fund Advisors PFD AND INCM SEC 464288687 64 2,035 SH   DFND   2,035 0 0
BlackRock Fund Advisors GLOB UTILITS ETF 464288711 16 300 SH   DFND   300 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 56 843 SH   DFND   392 0 451
BlackRock Fund Advisors MSCI USA MIN VOL 46429B697 4,280 64,750 SH   SOLE   63,885 0 865
BlackRock Fund Advisors MSCI USA VALUE 46432F388 10 128 SH   SOLE   128 0 0
BlackRock Fund Advisors ESG AWR MSCI EM 46434G863 3 119 SH   DFND   119 0 0
BlackRock Fund Advisors ESG AWR MSCI EM 46434G863 2,394 86,505 SH   SOLE   86,315 0 190
BlackRock Fund Advisors IBONDS DEC23 ETF 46434VAX8 2,468 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 134 13,627 SH   DFND   0 0 13,627
BlackRock Inc COM 09247X101 147 267 SH   DFND   102 0 165
BlackRock Inc COM 09247X101 5,088 9,247 SH   SOLE   9,151 0 96
Blackstone Inc COM 09260D107 188 2,250 SH   SOLE   2,250 0 0
Block Inc CL A 852234103 2 35 SH   DFND   0 0 35
Booking Holdings Inc COM 09857L108 120 73 SH   SOLE   43 0 30
BrightSpire Capital Inc COM CL A 10949T109 100 15,800 SH   DFND   0 0 15,800
Broadcom Inc COM 11135F101 67 150 SH   DFND   150 0 0
Broadcom Inc COM 11135F101 206 465 SH   SOLE   465 0 0
Brookfield Renewable Partners CL A SUB VTG 11284V105 14 435 SH   DFND   0 0 435
Brookfield Renewable Partners PARTNERSHIP UNIT G16258108 19 600 SH   DFND   0 0 600
C&F Financial Corp COM 12466Q104 11 200 SH   DFND   200 0 0
CARRIER GLOBAL CORP COM 14448C104 30 835 SH   DFND   0 0 835
CARRIER GLOBAL CORP COM 14448C104 7 201 SH   SOLE   201 0 0
CEMEX SAB DE CV SPON ADR NEW 151290889 3 1,000 SH   DFND   0 0 1,000
CHARLES SCHWAB INVESTMENT MANAGEMENT INC EMRG MKTEQ ETF 808524706 55 2,439 SH   SOLE   2,439 0 0
CHARLES SCHWAB INVESTMENT MANAGEMENT INC US DIVIDEND EQ 808524797 70 1,050 SH   DFND   1,050 0 0
CHARLES SCHWAB INVESTMENT MANAGEMENT INC US DIVIDEND EQ 808524797 51 762 SH   SOLE   762 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 60 1,156 SH   SOLE   1,156 0 0
CHUBB LIMITED COM COM H1467J104 8 44 SH   DFND   0 0 44
CHUBB LIMITED COM COM H1467J104 65 355 SH   SOLE   355 0 0
CIBC COM 136069101 88 2,000 SH   DFND   0 0 2,000
CISCO SYSTEMS COM 17275R102 648 16,193 SH   DFND   2,284 0 13,909
CISCO SYSTEMS COM 17275R102 6,791 169,783 SH   SOLE   159,403 0 10,380
CME Group Inc COM 12572Q105 32 181 SH   SOLE   181 0 0
COGNIZANT TECHNOLO CL A 192446102 7 130 SH   DFND   0 0 130
COGNIZANT TECHNOLO CL A 192446102 194 3,377 SH   SOLE   1,327 0 2,050
COLGATE-PALMOLIVE COM 194162103 316 4,500 SH   SOLE   4,500 0 0
CONAGRA FOODS INC COM 205887102 78 2,400 SH   DFND   0 0 2,400
CONAGRA FOODS INC COM 205887102 11 343 SH   SOLE   343 0 0
CONOCOPHILLIPS COM 20825C104 433 4,229 SH   DFND   0 0 4,229
CONOCOPHILLIPS COM 20825C104 200 1,950 SH   SOLE   1,950 0 0
CORNING INC COM 219350105 564 19,438 SH   DFND   2,450 0 16,988
CORNING INC COM 219350105 194 6,692 SH   SOLE   6,692 0 0
CRANE HOLDINGS CO None 224441105 8 90 SH   DFND   0 0 90
CVS Health Corp COM 126650100 639 6,705 SH   DFND   0 0 6,705
CVS Health Corp COM 126650100 202 2,117 SH   SOLE   2,117 0 0
Cantaloupe Inc COM 138103106 3 905 SH   DFND   0 0 905
Capital One Financial Corp COM 14040H105 85 926 SH   DFND   0 0 926
Capital Southwest Corp COM 140501107 6 355 SH   DFND   0 0 355
Cardinal Health Inc COM 14149Y108 119 1,790 SH   SOLE   0 0 1,790
Casella Waste Systems Inc CL A 147448104 2,422 31,704 SH   SOLE   31,704 0 0
Caterpillar Inc COM 149123101 559 3,404 SH   DFND   304 0 3,100
Cenovus Energy Inc COM 15135U109 23 1,472 SH   DFND   0 0 1,472
ChargePoint Holdings Inc COM CL A 15961R105 1 100 SH   DFND   0 0 100
Charles Schwab Corp/The COM 808513105 393 5,474 SH   SOLE   5,474 0 0
Charles Schwab Investment Management Inc US BRD MKT ETF 808524102 91 2,178 SH   DFND   0 0 2,178
Charles Schwab Investment Management Inc SCHWB FDT INT LG 808524755 59 2,338 SH   SOLE   2,338 0 0
Chemed Corp COM 16359R103 175 400 SH   SOLE   400 0 0
Chemours Co/The COM 163851108 6 244 SH   DFND   0 0 244
Chemours Co/The COM 163851108 0 20 SH   SOLE   20 0 0
Chemung Financial Corp COM 164024101 33 800 SH   DFND   0 0 800
Cherry Hill Mortgage Investmen COM 164651101 5 1,100 SH   DFND   0 0 1,100
Chevron Corp COM 166764100 790 5,499 SH   DFND   0 0 5,499
Chevron Corp COM 166764100 734 5,106 SH   SOLE   4,456 0 650
Chimera Investment Corp COM NEW 16934Q208 16 3,000 SH   DFND   0 0 3,000
Church & Dwight Co Inc COM 171340102 155 2,176 SH   SOLE   2,176 0 0
Churchill Downs Inc COM 171484108 1 5 SH   DFND   0 0 5
Cigna Corp COM 125523100 11 39 SH   DFND   0 0 39
Cigna Corp COM 125523100 1 5 SH   SOLE   5 0 0
Citigroup Inc COM NEW 172967424 14 327 SH   DFND   0 0 327
Citigroup Inc COM NEW 172967424 5 117 SH   SOLE   117 0 0
Clorox Co/The COM 189054109 631 4,913 SH   DFND   174 0 4,739
Clorox Co/The COM 189054109 18 143 SH   SOLE   143 0 0
Coca-Cola Co/The COM 191216100 1,038 18,537 SH   DFND   1,620 0 16,917
Coca-Cola Co/The COM 191216100 1,635 29,190 SH   SOLE   29,190 0 0
Cohen & Steers Capital Management Inc U.S. UTILITS ETF 464287697 60 740 SH   SOLE   740 0 0
Cohen & Steers Capital Management Inc MRGSTR SM CP GR 464288604 67 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 5,652 74,451 SH   SOLE   74,321 0 130
Comcast Corp CL A 20030N101 199 6,797 SH   DFND   100 0 6,697
Comcast Corp CL A 20030N101 258 8,801 SH   SOLE   8,801 0 0
Consolidated Edison Inc COM 209115104 155 1,808 SH   DFND   0 0 1,808
Constellation Brands Inc CL A 21036P108 34 150 SH   SOLE   150 0 0
Constellation Energy Corp COM 21037T109 93 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 465 984 SH   DFND   729 0 255
Costco Wholesale Corp COM 22160K105 6,443 13,643 SH   SOLE   13,047 0 596
Crestwood Equity Partners LP UNIT LTD PARTNER 226344208 14 510 SH   DFND   0 0 510
Crown Castle Inc COM 22822V101 11 76 SH   DFND   0 0 76
Crown Castle Inc COM 22822V101 8 52 SH   SOLE   52 0 0
DEERE & CO COM 244199105 319 956 SH   DFND   0 0 956
DENTSPLY SIRONA COM 24906P109 20 700 SH   DFND   400 0 300
DIAGEO SPON ADR NEW 25243Q205 85 500 SH   SOLE   500 0 0
DISCOVER FINL SVCS COM 254709108 136 1,500 SH   DFND   0 0 1,500
DOMINION RES(VIR) COM 25746U109 183 2,654 SH   DFND   0 0 2,654
DOMINION RES(VIR) COM 25746U109 83 1,200 SH   SOLE   1,200 0 0
DUKE ENERGY CORP COM NEW 26441C204 423 4,550 SH   DFND   1,757 0 2,793
DUKE ENERGY CORP COM NEW 26441C204 5,728 61,583 SH   SOLE   60,770 0 813
Dana Inc COM 235825205 14 1,200 SH   DFND   1,200 0 0
Danaher Corp COM 235851102 31 119 SH   DFND   27 0 92
Danaher Corp COM 235851102 7,589 29,381 SH   SOLE   27,576 0 1,805
Darden Restaurants Inc COM 237194105 13 104 SH   DFND   0 0 104
Darden Restaurants Inc COM 237194105 26 204 SH   SOLE   204 0 0
Dell Technologies Inc CL C 24703L202 1 42 SH   SOLE   42 0 0
Delta Air Lines Inc COM NEW 247361702 109 3,879 SH   DFND   0 0 3,879
Desktop Metal Inc COM CL A 25058X105 3 1,000 SH   DFND   0 0 1,000
Dick's Sporting Goods Inc COM 253393102 146 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 56 2,000 SH   DFND   0 0 2,000
Dow Inc COM 260557103 103 2,346 SH   DFND   0 0 2,346
Dow Inc COM 260557103 14 308 SH   SOLE   308 0 0
DraftKings Inc None 26142V105 21 1,384 SH   DFND   0 0 1,384
DuPont de Nemours Inc COM 26614N102 5 96 SH   DFND   0 0 96
DuPont de Nemours Inc COM 26614N102 16 313 SH   SOLE   313 0 0
ECOLAB INC COM 278865100 188 1,300 SH   SOLE   1,300 0 0
EMERSON ELECTRIC COM 291011104 442 6,039 SH   DFND   900 0 5,139
EMERSON ELECTRIC COM 291011104 892 12,181 SH   SOLE   11,745 0 436
ENBRIDGE INC COM 29250N105 16 418 SH   SOLE   418 0 0
EOG Resources Inc COM 26875P101 182 1,625 SH   DFND   0 0 1,625
EOG Resources Inc COM 26875P101 4 35 SH   SOLE   35 0 0
EQUINIX INC COM 29444U700 28 50 SH   DFND   50 0 0
ERICSSON(LM)TEL ADR B SEK 10 294821608 0 10 SH   SOLE   10 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 35 5,880 SH   DFND   0 0 5,880
EXCHANGE TRADED CONCEPTS LLC ROBO GLB ETF 301505707 8 196 SH   DFND   0 0 196
Eagle Point Credit Co Inc COM 269808101 107 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 58 814 SH   SOLE   814 0 0
Eaton Corp PLC SHS G29183103 410 3,071 SH   DFND   0 0 3,071
Eaton Corp PLC SHS G29183103 5 37 SH   SOLE   37 0 0
Elevance Health Inc COM 036752103 27 59 SH   SOLE   59 0 0
Eli Lilly & Co COM 532457108 156 483 SH   DFND   41 0 442
Eli Lilly & Co COM 532457108 12,617 39,019 SH   SOLE   38,288 0 731
Energy Transfer LP COM UT LTD PTN 29273V100 61 5,500 SH   DFND   0 0 5,500
Entergy Corp COM 29364G103 121 1,200 SH   DFND   0 0 1,200
Enterprise Products Partners L COM 293792107 10 400 SH   DFND   0 0 400
Essential Utilities Inc COM 29670G102 141 3,419 SH   SOLE   3,419 0 0
Evergy Inc COM 30034W106 148 2,484 SH   DFND   0 0 2,484
Eversource Energy COM 30040W108 192 2,457 SH   SOLE   2,457 0 0
Exelon Corp COM 30161N101 125 3,348 SH   DFND   0 0 3,348
Exelon Corp COM 30161N101 11 285 SH   SOLE   285 0 0
Exxon Mobil Corp COM 30231G102 1,278 14,641 SH   DFND   3,243 0 11,398
Exxon Mobil Corp COM 30231G102 10,427 119,427 SH   SOLE   118,058 0 1,369
FACEBOOK INC CL A 30303M102 83 611 SH   DFND   36 0 575
FACEBOOK INC CL A 30303M102 92 680 SH   SOLE   680 0 0
FEDEX CORP COM 31428X106 157 1,055 SH   DFND   0 0 1,055
FEDEX CORP COM 31428X106 62 419 SH   SOLE   419 0 0
FIRST TRUST ADVISORS LP DJ INTERNT IDX 33733E302 13 100 SH   DFND   100 0 0
FMC Corp COM NEW 302491303 2 17 SH   SOLE   17 0 0
FRANCO-NEVADA CORP COM 351858105 8 65 SH   DFND   0 0 65
FREEPORT-MCMOR C&G CL B 35671D857 16 591 SH   SOLE   591 0 0
FS KKR Capital Corp COM 302635206 14 800 SH   DFND   0 0 800
Fastenal Co COM 311900104 92 2,000 SH   DFND   0 0 2,000
Fidelity National Information COM 31620M106 38 500 SH   DFND   0 0 500
Fidelity National Information COM 31620M106 5 66 SH   SOLE   66 0 0
Financial Institutions Inc COM 317585404 122 5,085 SH   DFND   0 0 5,085
First Financial Bancorp COM 320209109 23 1,111 SH   SOLE   1,111 0 0
First Trust Advisors LP NAT GAS ETF 33733E807 319 13,960 SH   DFND   13,960 0 0
First Trust Advisors LP CLOUD COMPUTING 33734X192 11 180 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 12 440 SH   DFND   440 0 0
First Trust ETFs/USA INDXX NAT RE ETF 33734X838 44 3,614 SH   DFND   3,614 0 0
FirstEnergy Corp COM 337932107 6 150 SH   DFND   0 0 150
FirstEnergy Corp COM 337932107 140 3,787 SH   SOLE   3,787 0 0
Flowserve Corp COM 34354P105 5 200 SH   DFND   100 0 100
Ford Motor Co COM 345370860 86 7,663 SH   DFND   0 0 7,663
Ford Motor Co COM 345370860 115 10,285 SH   SOLE   10,285 0 0
Four Corners Property Trust In COM 35086T109 2 100 SH   DFND   0 0 100
Franklin Resources Inc COM 354613101 43 2,000 SH   DFND   0 0 2,000
Fulton Financial Corp COM 360271100 72 4,552 SH   SOLE   4,552 0 0
GEN DYNAMICS CORP COM 369550108 167 787 SH   DFND   51 0 736
GEN DYNAMICS CORP COM 369550108 4,759 22,432 SH   SOLE   22,111 0 321
GLOBAL X FDS RBTCS ARTFL INTE 37954Y715 14 751 SH   DFND   0 0 751
GOLDMAN SACHS GRP COM 38141G104 247 844 SH   DFND   0 0 844
GOLDMAN SACHS GRP COM 38141G104 190 650 SH   SOLE   650 0 0
GORMAN-RUPP CO/THE COM 383082104 29 1,200 SH   DFND   1,100 0 100
Gaming and Leisure Properties COM 36467J108 5 123 SH   SOLE   123 0 0
Generac Holdings Inc COM 368736104 53 300 SH   DFND   300 0 0
General Electric Co COM NEW 369604301 198 3,206 SH   DFND   0 0 3,206
General Electric Co COM NEW 369604301 178 2,873 SH   SOLE   2,873 0 0
General Mills Inc COM 370334104 274 3,571 SH   DFND   0 0 3,571
General Mills Inc COM 370334104 42 544 SH   SOLE   544 0 0
General Motors Co COM 37045V100 67 2,100 SH   DFND   0 0 2,100
Genuine Parts Co COM 372460105 43 288 SH   DFND   288 0 0
Gilead Sciences Inc COM 375558103 1 10 SH   DFND   0 0 10
Gilead Sciences Inc COM 375558103 1 18 SH   SOLE   18 0 0
Global X Management Co LLC SOCIAL MED ETF 37950E416 14 500 SH   DFND   500 0 0
Global X Management Co LLC GBL X BLOCKCHAIN 37954Y160 9 1,600 SH   DFND   1,600 0 0
Goldman Sachs Asset Management LP ACTIVEBETA INT 381430107 6 241 SH   DFND   0 0 241
Goldman Sachs Asset Management LP ACTIVEBETA INT 381430107 295 11,922 SH   SOLE   11,922 0 0
Goldman Sachs Asset Management LP ACTIVEBETA US LG 381430503 12 167 SH   DFND   167 0 0
Goldman Sachs Asset Management LP ACTIVEBETA US LG 381430503 707 9,950 SH   SOLE   9,739 0 211
Guidewire Software Inc COM 40171V100 62 1,000 SH   DFND   0 0 1,000
HALLIBURTON COM 406216101 6 228 SH   DFND   0 0 228
HANESBRANDS INC COM 410345102 5 730 SH   DFND   0 0 730
HARBOR CUSTOM DEV INC None 41150T207 4 400 SH   DFND   0 0 400
HCA Healthcare Inc COM 40412C101 12 65 SH   DFND   0 0 65
HOLLY ENERGY PARTNERS LP COM UT LTD PTN 435763107 15 900 SH   DFND   0 0 900
HONDA MOTOR CO AMERN SHS 438128308 2 100 SH   DFND   0 0 100
HORIZON THERAPEUTICS PLC SHS G46188101 6 100 SH   DFND   100 0 0
HP Inc COM 40434L105 15 600 SH   DFND   0 0 600
Hartford Financial Services Gr COM 416515104 188 3,028 SH   DFND   0 0 3,028
Hawaiian Electric Industries I COM 419870100 17 500 SH   DFND   500 0 0
Healthcare Ventures LLC COM 52187K101 1 1,205 SH   DFND   1,205 0 0
Helmerich & Payne Inc COM 423452101 7 179 SH   DFND   0 0 179
Hershey Co/The COM 427866108 25 112 SH   DFND   0 0 112
Hershey Co/The COM 427866108 424 1,924 SH   SOLE   1,924 0 0
Hewlett Packard Enterprise Co COM 42824C109 7 578 SH   DFND   0 0 578
Home Depot Inc/The COM 437076102 697 2,526 SH   DFND   537 0 1,989
Home Depot Inc/The COM 437076102 7,934 28,752 SH   SOLE   28,476 0 276
Honeywell International Inc COM 438516106 255 1,526 SH   DFND   314 0 1,212
Honeywell International Inc COM 438516106 6,482 38,824 SH   SOLE   37,744 0 1,080
Hormel Foods Corp COM 440452100 186 4,104 SH   DFND   0 0 4,104
Howmet Aerospace Inc COM 443201108 189 6,100 SH   DFND   0 0 6,100
Huntington Bancshares Inc/OH COM 446150104 137 10,408 SH   DFND   0 0 10,408
IBM COM 459200101 523 4,401 SH   DFND   300 0 4,101
IBM COM 459200101 2,757 23,204 SH   SOLE   22,734 0 470
IDACORP Inc COM 451107106 5 50 SH   DFND   50 0 0
ILLINOIS TOOL WKS COM 452308109 363 2,012 SH   DFND   312 0 1,700
ILLINOIS TOOL WKS COM 452308109 5 25 SH   SOLE   25 0 0
INTERCONTINENTAL EXCHANGE COM 45866F104 6 67 SH   DFND   52 0 15
INTERCONTINENTAL EXCHANGE COM 45866F104 2,633 29,139 SH   SOLE   27,504 0 1,635
ISHARES S&P 100 ETF 464287101 205 1,259 SH   SOLE   1,259 0 0
ISHARES SELECT DIVID ETF 464287168 669 6,238 SH   DFND   450 0 5,788
ISHARES SELECT DIVID ETF 464287168 518 4,830 SH   SOLE   4,830 0 0
ISHARES CORE S&P500 ETF 464287200 1,001 2,790 SH   DFND   1,879 0 911
ISHARES CORE S&P500 ETF 464287200 209 584 SH   SOLE   584 0 0
ISHARES IBOXX INV CP ETF 464287242 61 596 SH   DFND   146 0 450
ISHARES IBOXX INV CP ETF 464287242 701 6,847 SH   SOLE   6,619 0 228
ISHARES GBL COMM SVC ETF 464287275 26 500 SH   DFND   500 0 0
ISHARES S&P 500 GRWT ETF 464287309 319 5,512 SH   SOLE   5,512 0 0
ISHARES GLOB HLTHCRE ETF 464287325 271 3,600 SH   DFND   3,600 0 0
ISHARES GLOBAL ENERG ETF 464287341 210 6,300 SH   DFND   6,300 0 0
ISHARES S&P 500 VAL ETF 464287408 80 619 SH   SOLE   619 0 0
ISHARES ISHARES BIOTECH 464287556 105 900 SH   DFND   900 0 0
ISHARES RUS 2000 VAL ETF 464287630 220 1,705 SH   SOLE   1,705 0 0
ISHARES RUSSELL 2000 ETF 464287655 487 2,952 SH   DFND   0 0 2,952
ISHARES RUSSELL 2000 ETF 464287655 116 706 SH   SOLE   706 0 0
ISHARES SP SMCP600VL ETF 464287879 395 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 12 317 SH   SOLE   317 0 0
ISHARES ISHARES 46428Q109 53 3,000 SH   DFND   0 0 3,000
ISHARES ISHARES 46428Q109 24 1,376 SH   SOLE   1,376 0 0
ISHARES CORE MSCI EAFE 46432F842 457 8,674 SH   DFND   1,205 0 7,469
ISHARES CORE MSCI EAFE 46432F842 64 1,217 SH   SOLE   1,217 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 175 5,012 SH   DFND   5,012 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 171 4,897 SH   SOLE   4,897 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689 1,179 20,672 SH   SOLE   20,672 0 0
ISHARES TRUST TIPS BD ETF 464287176 13 128 SH   DFND   0 0 128
ISHARES TRUST GLOBAL TECH ETF 464287291 240 5,700 SH   DFND   5,700 0 0
ISHARES TRUST GLOBAL TECH ETF 464287291 154 3,660 SH   SOLE   3,660 0 0
ISHARES TRUST 1 3 YR TREAS BD 464287457 610 7,506 SH   DFND   7,506 0 0
ISHARES TRUST 1 3 YR TREAS BD 464287457 812 10,001 SH   SOLE   9,695 0 306
ISHARES TRUST GL TIMB FORE ETF 464288174 49 750 SH   DFND   750 0 0
ISHARES TRUST GL CLEAN ENE ETF 464288224 97 5,100 SH   SOLE   5,100 0 0
ISHARES/USA NATIONAL MUN ETF 464288414 762 7,431 SH   DFND   6,750 0 681
ISHARES/USA NATIONAL MUN ETF 464288414 200 1,945 SH   SOLE   1,945 0 0
ITRON INC COM 465741106 13 300 SH   DFND   300 0 0
Ingevity Corp COM 45688C107 91 1,500 SH   DFND   0 0 1,500
Intel Corp COM 458140100 573 22,219 SH   DFND   4,429 0 17,790
Intel Corp COM 458140100 894 34,697 SH   SOLE   31,692 0 3,005
International Paper Co COM 460146103 2 50 SH   DFND   0 0 50
International Paper Co COM 460146103 46 1,455 SH   SOLE   1,455 0 0
Interpublic Group of Cos Inc/T COM 460690100 106 4,128 SH   DFND   0 0 4,128
Intuitive Surgical Inc COM NEW 46120E602 6 34 SH   DFND   25 0 9
Intuitive Surgical Inc COM NEW 46120E602 2,791 14,888 SH   SOLE   14,536 0 352
Invesco Capital Management LLC UNIT SER 1 46090E103 453 1,696 SH   DFND   0 0 1,696
Invesco Capital Management LLC UNIT SER 1 46090E103 82 305 SH   SOLE   305 0 0
Invesco Capital Management LLC OPTIMUM YIELD 46090F100 21 1,292 SH   SOLE   1,292 0 0
Invesco Capital Management LLC INDIA ETF 46137R109 71 3,000 SH   DFND   3,000 0 0
Invesco Capital Management LLC S&P500 EQL ENR 46137V365 110 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 64 900 SH   DFND   900 0 0
Invesco Capital Management LLC S&P GBL WATER 46138E263 99 2,400 SH   DFND   2,400 0 0
Invesco Capital Management LLC S&P500 LOW VOL 46138E354 41 705 SH   SOLE   705 0 0
Invesco Capital Management LLC PFD ETF 46138E511 28 2,350 SH   DFND   587 0 1,763
Invesco Capital Management LLC PFD ETF 46138E511 4,767 401,245 SH   SOLE   399,484 0 1,761
Invesco Capital Management LLC EMRNG MKT SVRG 46138E784 10 573 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 113 1,174 SH   SOLE   1,174 0 0
Invesco Capital Management LLC S&P 500 REVENUE 46138G698 65 971 SH   DFND   311 0 660
Invesco Capital Management LLC S&P 500 REVENUE 46138G698 4,088 60,921 SH   SOLE   60,236 0 685
Invesco Capital Management LLC SOLAR ETF 46138G706 0 5 SH   DFND   0 0 5
Invesco ETFs/USA S&P500 EQL HLT 46137V332 38 150 SH   DFND   150 0 0
JPMorgan Chase & Co COM 46625H100 610 5,838 SH   DFND   2,415 0 3,423
JPMorgan Chase & Co COM 46625H100 6,967 66,674 SH   SOLE   63,881 0 2,793
JUNIPER NETWORKS COM 48203R104 52 2,000 SH   DFND   0 0 2,000
John Hancock Exchange-Traded F MULTIFACTOR HE 47804J503 43 987 SH   SOLE   987 0 0
Johnson & Johnson COM 478160104 2,132 13,052 SH   DFND   2,518 0 10,534
Johnson & Johnson COM 478160104 3,571 21,857 SH   SOLE   21,457 0 400
Johnson Controls International SHS G51502105 11 214 SH   DFND   0 0 214
Johnson Controls International SHS G51502105 2 36 SH   SOLE   36 0 0
KB Home COM 48666K109 16 600 SH   DFND   600 0 0
KIMBERLY-CLARK CP COM 494368103 288 2,561 SH   DFND   60 0 2,501
KIMBERLY-CLARK CP COM 494368103 4,494 39,934 SH   SOLE   39,059 0 875
KIMCO REALTY COM 49446R109 17 900 SH   DFND   0 0 900
Kellogg Co COM 487836108 3 48 SH   DFND   0 0 48
Kellogg Co COM 487836108 91 1,300 SH   SOLE   1,300 0 0
Keurig Dr Pepper Inc COM 49271V100 6 174 SH   SOLE   174 0 0
KeyCorp COM 493267108 98 6,117 SH   DFND   0 0 6,117
KeyCorp COM 493267108 16 1,000 SH   SOLE   1,000 0 0
Kinder Morgan Inc COM 49456B101 33 2,000 SH   DFND   0 0 2,000
Kraft Foods Inc CL A 609207105 119 2,179 SH   DFND   0 0 2,179
Kraft Foods Inc CL A 609207105 141 2,574 SH   SOLE   2,574 0 0
Kraft Heinz Co/The COM 500754106 34 1,028 SH   DFND   0 0 1,028
KraneShares ETFs/USA QUADRTC INT RT 500767736 25 1,130 SH   DFND   0 0 1,130
Kyndryl Holdings Inc COMMON STOCK 50155Q100 4 458 SH   DFND   0 0 458
Kyndryl Holdings Inc COMMON STOCK 50155Q100 3 334 SH   SOLE   334 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 171 913 SH   DFND   198 0 715
LOWE'S COS INC COM 548661107 898 4,779 SH   SOLE   2,511 0 2,268
LUCID GROUP INC COM 549498103 7 500 SH   DFND   0 0 500
Laboratory Corp of America Hol COM NEW 50540R409 205 1,000 SH   DFND   0 0 1,000
Lamb Weston Holdings Inc COM 513272104 21 266 SH   DFND   0 0 266
Leggett & Platt Inc COM 524660107 133 4,000 SH   DFND   800 0 3,200
Linde PLC SHS G5494J103 122 451 SH   DFND   0 0 451
Lindsay Corp COM 535555106 43 300 SH   DFND   300 0 0
Lithium Americas Corp COM NEW 53680Q207 5 200 SH   DFND   0 0 200
Lockheed Martin Corp COM 539830109 166 429 SH   DFND   0 0 429
Lockheed Martin Corp COM 539830109 79 204 SH   SOLE   204 0 0
Loews Corp COM 126117100 22 600 SH   DFND   0 0 600
Lululemon Athletica Inc COM 550021109 39 140 SH   DFND   0 0 140
M&T Bank Corp COM 55261F104 88 500 SH   DFND   0 0 500
MARSH & MCLENNAN COM 571748102 101 675 SH   SOLE   675 0 0
MASTERCARD INC CL A 57636Q104 133 468 SH   DFND   412 0 56
MASTERCARD INC CL A 57636Q104 5,528 19,441 SH   SOLE   18,960 0 481
MATTEL INC COM 577081102 2 100 SH   DFND   0 0 100
MCCORMICK & CO INC COM NON VTG 579780206 43 605 SH   SOLE   605 0 0
MCDONALD'S CORP COM 580135101 1,526 6,613 SH   DFND   1,153 0 5,460
MCDONALD'S CORP COM 580135101 8,116 35,172 SH   SOLE   34,613 0 559
MCKESSON CORP COM 58155Q103 86 254 SH   SOLE   29 0 225
MDC Holdings Inc COM 552676108 18 660 SH   DFND   0 0 660
MDU RES GROUP INC COM 552690109 55 2,000 SH   DFND   2,000 0 0
MICROSOFT CORP COM 594918104 6,166 26,474 SH   DFND   2,877 0 23,597
MICROSOFT CORP COM 594918104 22,044 94,649 SH   SOLE   90,364 0 4,285
MOLSON COORS BREWING CO CL B 60871R209 2 50 SH   SOLE   50 0 0
MSC Industrial Direct Co Inc CL A 553530106 116 1,600 SH   DFND   0 0 1,600
Macerich Co/The COM 554382101 56 7,045 SH   DFND   0 0 7,045
Madison Square Garden Co/The CL A 55825T103 58 426 SH   DFND   0 0 426
Marathon Oil Corp COM 565849106 45 1,974 SH   DFND   0 0 1,974
Marathon Petroleum Corp COM 56585A102 161 1,624 SH   DFND   0 0 1,624
Marathon Petroleum Corp COM 56585A102 5 51 SH   SOLE   51 0 0
Markel Corp COM 570535104 33 30 SH   SOLE   30 0 0
Marriott International Inc/MD CL A 571903202 690 4,925 SH   SOLE   4,925 0 0
Marriott Vacations Worldwide C COM 57164Y107 11 87 SH   SOLE   87 0 0
Masco Corp COM 574599106 163 3,500 SH   DFND   0 0 3,500
Medtronic PLC SHS G5960L103 11 131 SH   DFND   0 0 131
Medtronic PLC SHS G5960L103 12 149 SH   SOLE   149 0 0
Merck & Co Inc COM 58933Y105 391 4,545 SH   DFND   809 0 3,736
Merck & Co Inc COM 58933Y105 7,194 83,534 SH   SOLE   81,913 0 1,621
MetLife Inc COM 59156R108 91 1,500 SH   DFND   0 0 1,500
MetLife Inc COM 59156R108 132 2,169 SH   SOLE   1,019 0 1,150
Micro Focus International PLC SPON ADR NEW 594837403 0 65 SH   DFND   0 0 65
Microchip Technology Inc COM 595017104 200 3,280 SH   DFND   2,780 0 500
Microchip Technology Inc COM 595017104 268 4,393 SH   SOLE   4,393 0 0
Moderna Inc COM 60770K107 1 10 SH   DFND   0 0 10
Monroe Capital Corp COM 610335101 63 8,712 SH   DFND   0 0 8,712
NBT Bancorp Inc COM 628778102 1,549 40,827 SH   DFND   3,831 0 36,996
NBT Bancorp Inc COM 628778102 339 8,924 SH   SOLE   8,924 0 0
NEWMONT MINING CP COM 651639106 69 1,630 SH   DFND   0 0 1,630
NEXTERA ENERGY COM 65339F101 204 2,606 SH   DFND   0 0 2,606
NEXTERA ENERGY COM 65339F101 445 5,677 SH   SOLE   5,677 0 0
NGL Energy Partners LP COM UNIT REPST 62913M107 2 1,300 SH   DFND   0 0 1,300
NIKE INC CL B 654106103 259 3,116 SH   DFND   880 0 2,236
NIKE INC CL B 654106103 329 3,964 SH   SOLE   2,664 0 1,300
NRG Energy Inc COM NEW 629377508 4 100 SH   DFND   100 0 0
NVIDIA Corp COM 67066G104 49 400 SH   DFND   400 0 0
NVIDIA Corp COM 67066G104 3,204 26,391 SH   SOLE   23,887 0 2,504
National Amusements Inc CLASS A COM 92556H107 1 25 SH   DFND   0 0 25
National Amusements Inc CLASS B COM 92556H206 0 26 SH   DFND   0 0 26
NewAge Inc COM 650194103 0 1,000 SH   DFND   0 0 1,000
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 94 450 SH   SOLE   450 0 0
Northern Trust Investments Inc MORNSTAR UPSTR 33939L407 33 888 SH   SOLE   888 0 0
Northern Trust Investments Inc STOXX GLOBR INF 33939L795 3 66 SH   SOLE   66 0 0
Norwood Financial Corp COM 669549107 133 5,000 SH   SOLE   5,000 0 0
Novartis AG SPONSORED ADR 66987V109 96 1,260 SH   DFND   1,260 0 0
Novartis AG SPONSORED ADR 66987V109 109 1,434 SH   SOLE   1,434 0 0
Novocure Ltd ORD SHS G6674U108 8 100 SH   DFND   0 0 100
Nucor Corp COM 670346105 5 50 SH   DFND   0 0 50
Nuveen Closed-End Funds/USA COM 67066X107 110 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 13 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 9 234 SH   DFND   0 0 234
OGE Energy Corp COM 670837103 7 200 SH   DFND   100 0 100
ORACLE CORP COM 68389X105 145 2,367 SH   DFND   765 0 1,602
ORACLE CORP COM 68389X105 358 5,857 SH   SOLE   3,102 0 2,755
Occidental Petroleum Corp COM 674599105 115 1,876 SH   DFND   0 0 1,876
Omnicom Group Inc COM 681919106 137 2,169 SH   DFND   0 0 2,169
Omnicom Group Inc COM 681919106 4 58 SH   SOLE   58 0 0
Organon & Co COMMON STOCK 68622V106 8 359 SH   DFND   0 0 359
Organon & Co COMMON STOCK 68622V106 0 21 SH   SOLE   21 0 0
Otis Worldwide Corp COM 68902V107 27 417 SH   DFND   0 0 417
Otis Worldwide Corp COM 68902V107 6 99 SH   SOLE   99 0 0
Ovintiv Inc COM 69047Q102 14 294 SH   DFND   0 0 294
Owl Rock Capital Corp COM 69121K104 10 965 SH   DFND   0 0 965
Oxford Lane Closed End Funds/U COM 691543102 83 16,000 SH   DFND   0 0 16,000
PEPSICO INC COM 713448108 924 5,659 SH   DFND   2,565 0 3,094
PEPSICO INC COM 713448108 7,884 48,290 SH   SOLE   46,823 0 1,467
PG&E CORP COM 69331C108 4 300 SH   DFND   0 0 300
PHILIP MORRIS INTL COM 718172109 405 4,873 SH   DFND   0 0 4,873
PHILIP MORRIS INTL COM 718172109 194 2,335 SH   SOLE   2,335 0 0
PIMCO Funds/Closed-End/USA COM BEN SHS 69355M107 14 1,025 SH   DFND   0 0 1,025
PIMCO Funds/Closed-End/USA SHS 72201Y101 18 930 SH   DFND   0 0 930
PNC Financial Services Group I COM 693475105 456 3,053 SH   DFND   0 0 3,053
PNC Financial Services Group I COM 693475105 11 72 SH   SOLE   72 0 0
PPG Industries Inc COM 693506107 177 1,602 SH   DFND   0 0 1,602
PPG Industries Inc COM 693506107 17 152 SH   SOLE   0 0 152
PPL Corp COM 69351T106 152 6,000 SH   DFND   0 0 6,000
PPL Corp COM 69351T106 31 1,227 SH   SOLE   1,227 0 0
Pacific Investment Management Co LLC COM 72201B101 10 850 SH   DFND   0 0 850
Palantir Technologies Inc CL A 69608A108 4 500 SH   DFND   0 0 500
Parametric Portfolio Associates LLC COM 27828Y108 4 300 SH   SOLE   300 0 0
PayPal Holdings Inc COM 70450Y103 40 463 SH   DFND   410 0 53
PayPal Holdings Inc COM 70450Y103 4,091 47,535 SH   SOLE   44,813 0 2,722
Paychex Inc COM 704326107 221 1,969 SH   DFND   528 0 1,441
Paychex Inc COM 704326107 407 3,624 SH   SOLE   3,624 0 0
Penn Entertainment Inc COM 707569109 3 100 SH   SOLE   100 0 0
Pfizer Inc COM 717081103 1,170 26,745 SH   DFND   2,700 0 24,045
Pfizer Inc COM 717081103 636 14,526 SH   SOLE   14,526 0 0
Phillips 66 COM 718546104 125 1,544 SH   DFND   0 0 1,544
Phillips 66 COM 718546104 3 33 SH   SOLE   33 0 0
Pinnacle West Capital Corp COM 723484101 129 2,000 SH   DFND   0 0 2,000
Pinnacle West Capital Corp COM 723484101 9 144 SH   SOLE   144 0 0
Pitney Bowes Inc COM 724479100 0 80 SH   DFND   0 0 80
Plug Power Inc COM NEW 72919P202 3 120 SH   DFND   0 0 120
Portland General Electric Co COM NEW 736508847 26 600 SH   DFND   600 0 0
Principal Financial Group Inc COM 74251V102 150 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 4,792 37,960 SH   DFND   455 0 37,505
Procter & Gamble Co/The COM 742718109 1,648 13,056 SH   SOLE   12,031 0 1,025
Prologis Inc COM 74340W103 5 54 SH   SOLE   54 0 0
Public Service Enterprise Grou COM 744573106 64 1,140 SH   DFND   392 0 748
Public Service Enterprise Grou COM 744573106 5,821 103,521 SH   SOLE   101,920 0 1,601
Public Storage COM 74460D109 151 516 SH   DFND   89 0 427
Public Storage COM 74460D109 5,163 17,634 SH   SOLE   17,238 0 396
QUALCOMM Inc COM 747525103 226 2,000 SH   DFND   0 0 2,000
QUALCOMM Inc COM 747525103 7 58 SH   SOLE   58 0 0
Quest Diagnostics Inc COM 74834L100 59 480 SH   DFND   0 0 480
REALTY INCOME CORP COM 756109104 126 2,169 SH   DFND   0 0 2,169
REALTY INCOME CORP COM 756109104 7 127 SH   SOLE   127 0 0
RESTAURANT BRANDS INTERNATIONA COM 76131D103 53 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 111 516 SH   DFND   0 0 516
Raytheon Technologies Corp COM 75513E101 394 4,814 SH   DFND   0 0 4,814
Raytheon Technologies Corp COM 75513E101 95 1,164 SH   SOLE   231 0 933
Republic Services Inc COM 760759100 20 147 SH   DFND   0 0 147
Rio Tinto PLC SPONSORED ADR 767204100 132 2,400 SH   DFND   0 0 2,400
Rivian Automotive Inc COM CL A 76954A103 1 25 SH   SOLE   25 0 0
Roundhill Financial Inc ROUNDHILL SPORTS 53656F789 5 400 SH   DFND   400 0 0
Royal Bank of Canada COM 780087102 216 2,400 SH   DFND   0 0 2,400
S&P Global Inc COM 78409V104 85 280 SH   SOLE   280 0 0
SACHEM CAPITAL CORP COM 78590A109 9 2,820 SH   DFND   0 0 2,820
SALESFORCE.COM INC COM 79466L302 82 571 SH   DFND   21 0 550
SALESFORCE.COM INC COM 79466L302 157 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 26 215 SH   SOLE   215 0 0
SELECT SECTOR SPDR SBI CONS STPLS 81369Y308 1 21 SH   DFND   0 0 21
SELECT SECTOR SPDR SBI CONS STPLS 81369Y308 100 1,500 SH   SOLE   1,500 0 0
SELECT SECTOR SPDR SBI CONS DISCR 81369Y407 44 307 SH   SOLE   307 0 0
SELECT SECTOR SPDR ENERGY 81369Y506 130 1,800 SH   DFND   1,800 0 0
SELECT SECTOR SPDR FINANCIAL 81369Y605 53 1,750 SH   DFND   0 0 1,750
SELECT SECTOR SPDR FINANCIAL 81369Y605 39 1,301 SH   SOLE   1,301 0 0
SELECT SECTOR SPDR TECHNOLOGY 81369Y803 982 8,266 SH   DFND   5,260 0 3,006
SELECT SECTOR SPDR SBI INT-UTILS 81369Y886 426 6,500 SH   DFND   6,500 0 0
SEMPRA ENERGY COM 816851109 170 1,133 SH   DFND   0 0 1,133
SEMPRA ENERGY COM 816851109 8 54 SH   SOLE   54 0 0
SMUCKER(JM)CO COM NEW 832696405 32 235 SH   DFND   0 0 235
SNAP INC CL A 83304A106 0 50 SH   DFND   0 0 50
SPDR DOW JONES IND UT SER 1 78467X109 771 2,685 SH   DFND   0 0 2,685
SPDR SERIES TRUST BBG CONV SEC ETF 78464A359 83 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
SSGA FUNDS MANAGEMENT PORTFOLIO SHORT 78464A474 0 7 SH   DFND   0 0 7
SSGA FUNDS MANAGEMENT INC NYSE TECH ETF 78464A102 38 400 SH   DFND   400 0 0
SSGA FUNDS MANAGEMENT INC PORTFOLIO INTRMD 78464A375 11 362 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 49 2,051 SH   SOLE   2,051 0 0
SSGA FUNDS MANAGEMENT INC PORTFLI HIGH YLD 78468R606 48 2,212 SH   SOLE   2,212 0 0
SSGA Funds Management Inc S&P DIVID ETF 78464A763 67 600 SH   DFND   600 0 0
SSGA Funds Management Inc S&P DIVID ETF 78464A763 190 1,702 SH   SOLE   1,702 0 0
SSgA Funds Management Inc TR UNIT 78462F103 1,526 4,273 SH   DFND   511 0 3,762
SSgA Funds Management Inc TR UNIT 78462F103 646 1,810 SH   SOLE   1,810 0 0
SSgA Funds Management Inc S&P 400 MDCP VAL 78464A839 1 14 SH   DFND   0 0 14
STARBUCKS CORP COM 855244109 11 129 SH   DFND   57 0 72
STARBUCKS CORP COM 855244109 2,768 32,847 SH   SOLE   32,087 0 760
STATE STREET ETF/USA UTSER1 S&PDCRP 78467Y107 765 1,904 SH   DFND   0 0 1,904
SUNPOWER CORP COM 867652406 1 50 SH   DFND   0 0 50
Sarepta Therapeutics Inc COM 803607100 18 162 SH   SOLE   162 0 0
Schlumberger NV COM STK 806857108 187 5,200 SH   DFND   600 0 4,600
Selective Insurance Group Inc COM 816300107 117 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 161 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 141 700 SH   DFND   0 0 700
Sony Group Corp SPONSORED ADR 835699307 3 50 SH   DFND   0 0 50
Southern Co/The COM 842587107 38 555 SH   DFND   0 0 555
Southern Co/The COM 842587107 129 1,900 SH   SOLE   1,900 0 0
Sprott Asset Management CEFs TR UNIT 85207K107 470 71,000 SH   DFND   71,000 0 0
Sprott Asset Management CEFs TR UNIT 85208R101 643 41,300 SH   DFND   41,300 0 0
Sprott Asset Management LP/Can UNIT 85207H104 684 53,400 SH   DFND   53,400 0 0
Stanley Black & Decker Inc COM 854502101 214 2,852 SH   SOLE   2,852 0 0
State Street Corp COM 857477103 26 430 SH   DFND   430 0 0
State Street ETF/USA S&P RETAIL ETF 78464A714 51 900 SH   DFND   900 0 0
State Street Global Advisors Inc S&P INTL SMLCP 78463X871 47 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 15 100 SH   DFND   100 0 0
State Street Global Advisors Inc S&P BIOTECH 78464A870 48 600 SH   DFND   600 0 0
State Street Global Advisors Inc BLOOMBERG HIGH Y 78468R622 26 295 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 96 2,700 SH   SOLE   2,700 0 0
State Street Global Advisors Inc SBI INT-INDS 81369Y704 32 392 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 171 842 SH   DFND   734 0 108
Stryker Corp COM 863667101 3,103 15,322 SH   SOLE   14,484 0 838
Summit Materials Inc CL A 86614U100 24 1,000 SH   DFND   1,000 0 0
Sunrun Inc COM 86771W105 3 100 SH   SOLE   100 0 0
Sylvamo Corp COMMON STOCK 871332102 0 14 SH   SOLE   14 0 0
Sysco Corp COM 871829107 615 8,700 SH   DFND   0 0 8,700
TE Connectivity Ltd SHS H84989104 19 170 SH   DFND   0 0 170
TE Connectivity Ltd SHS H84989104 48 432 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 8 640 SH   DFND   0 0 640
TEXAS INSTRUMENTS COM 882508104 376 2,427 SH   DFND   0 0 2,427
TEXAS INSTRUMENTS COM 882508104 276 1,782 SH   SOLE   1,782 0 0
TJX Cos Inc/The COM 872540109 109 1,758 SH   DFND   756 0 1,002
TJX Cos Inc/The COM 872540109 5,718 92,045 SH   SOLE   87,292 0 4,753
TORONTO-DOMINION COM NEW 891160509 74 1,200 SH   DFND   0 0 1,200
TRAVELERS CO INC COM 89417E109 46 300 SH   DFND   0 0 300
TRAVELERS CO INC COM 89417E109 94 613 SH   SOLE   613 0 0
TSMC SPONSORED ADS 874039100 87 1,275 SH   DFND   1,175 0 100
Tanger Factory Outlet Centers COM 875465106 10 700 SH   DFND   0 0 700
Target Corp COM 87612E106 289 1,949 SH   DFND   0 0 1,949
Target Corp COM 87612E106 275 1,852 SH   SOLE   1,852 0 0
Tesla Inc COM 88160R101 304 1,146 SH   DFND   0 0 1,146
Tesla Inc COM 88160R101 80 300 SH   SOLE   300 0 0
Thermo Fisher Scientific Inc COM 883556102 519 1,023 SH   DFND   523 0 500
Thermo Fisher Scientific Inc COM 883556102 695 1,370 SH   SOLE   1,370 0 0
Tompkins Financial Corp COM 890110109 53,164 732,086 SH   DFND   0 0 732,086
Tompkins Financial Corp COM 890110109 33,010 454,561 SH   SOLE   0 0 454,561
TopBuild Corp COM 89055F103 64 388 SH   DFND   0 0 388
TriplePoint Venture Growth BDC COM 89677Y100 16 1,450 SH   DFND   0 0 1,450
Truist Financial Corp COM 89832Q109 131 3,005 SH   DFND   0 0 3,005
Truist Financial Corp COM 89832Q109 10 241 SH   SOLE   241 0 0
TrustCo Bank Corp NY COM NEW 898349204 1 47 SH   DFND   0 0 47
Twitter Inc COM 90184L102 26 587 SH   DFND   0 0 587
Tyson Foods Inc CL A 902494103 112 1,702 SH   DFND   0 0 1,702
Tyson Foods Inc CL A 902494103 72 1,095 SH   SOLE   1,095 0 0
UGI Corp COM 902681105 82 2,524 SH   SOLE   2,524 0 0
US Bancorp COM NEW 902973304 5 130 SH   SOLE   130 0 0
USA Compression Partners LP COMUNIT LTDPAR 90290N109 19 1,115 SH   DFND   0 0 1,115
UTD PARCEL SERV CL B 911312106 64 394 SH   DFND   334 0 60
UTD PARCEL SERV CL B 911312106 6,438 39,855 SH   SOLE   38,899 0 956
Unilever PLC SPON ADR NEW 904767704 4 100 SH   SOLE   100 0 0
Union Pacific Corp COM 907818108 138 708 SH   DFND   0 0 708
Union Pacific Corp COM 907818108 184 944 SH   SOLE   544 0 400
United States Steel Corp COM 912909108 4 200 SH   SOLE   200 0 0
UnitedHealth Group Inc COM 91324P102 505 1,000 SH   DFND   0 0 1,000
UnitedHealth Group Inc COM 91324P102 222 440 SH   SOLE   440 0 0
VANECK VECTORS ETF AGRIBUSINESS ETF 92189F700 97 1,200 SH   DFND   1,200 0 0
VANECK VECTORS ETF JUNIOR GOLD MINE 92189F791 44 1,500 SH   DFND   1,500 0 0
VANGUARD S&P 500 ETF SHS 922908363 715 2,177 SH   DFND   1,691 0 486
VANGUARD S&P 500 ETF SHS 922908363 2,949 8,983 SH   SOLE   8,797 0 186
VANGUARD ETF/USA DIV APP ETF 921908844 81 600 SH   DFND   600 0 0
VANGUARD ETF/USA DIV APP ETF 921908844 27 200 SH   SOLE   200 0 0
VANGUARD ETF/USA VG TL INTL STK F 921909768 4 95 SH   DFND   0 0 95
VANGUARD ETF/USA LONG TERM BOND 921937793 13 183 SH   SOLE   183 0 0
VANGUARD ETF/USA STRM INFPROIDX 922020805 2,628 54,615 SH   DFND   5,700 0 48,915
VANGUARD ETF/USA STRM INFPROIDX 922020805 59 1,233 SH   SOLE   1,233 0 0
VANGUARD ETF/USA GLB EX US ETF 922042676 23 600 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 38 268 SH   SOLE   268 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 4,238 SH   SOLE   1,290 0 2,948
VERIZON COMMUN COM 92343V104 695 18,291 SH   DFND   932 0 17,359
VERIZON COMMUN COM 92343V104 6,489 170,888 SH   SOLE   168,467 0 2,421
VF Corp COM 918204108 1 43 SH   SOLE   43 0 0
VIATRIS INC COM 92556V106 22 2,539 SH   DFND   111 0 2,428
VIATRIS INC COM 92556V106 5 631 SH   SOLE   631 0 0
VISA INC COM CL A 92826C839 6 35 SH   DFND   0 0 35
VISA INC COM CL A 92826C839 300 1,690 SH   SOLE   1,690 0 0
VMware Inc CL A COM 928563402 27 250 SH   DFND   250 0 0
VMware Inc CL A COM 928563402 2 18 SH   SOLE   18 0 0
Valero Energy Corp COM 91913Y100 2 15 SH   SOLE   15 0 0
Valley National Bancorp COM 919794107 174 16,075 SH   DFND   0 0 16,075
Valvoline Inc COM 92047W101 239 9,444 SH   DFND   0 0 9,444
Van Eck Absolute Return Advisers Corp DIGI TRANSFRM 92189H821 2 400 SH   DFND   400 0 0
Van Eck Associates Corp GOLD MINERS ETF 92189F106 116 4,800 SH   DFND   4,800 0 0
Van Eck Associates Corp FALLEN ANGEL HG 92189F437 41 1,555 SH   DFND   0 0 1,555
Van Eck Associates Corp JP MRGAN EM LOC 92189H300 11 477 SH   SOLE   477 0 0
Van Eck Associates Corp RARE EARTH/STRTG 92189H805 83 1,000 SH   DFND   1,000 0 0
Vanguard ETF/USA 500 GRTH IDX F 921932505 1,243 5,959 SH   SOLE   5,959 0 0
Vanguard ETF/USA INTERMED TERM 921937819 3 47 SH   SOLE   47 0 0
Vanguard ETF/USA VAN FTSE DEV MKT 921943858 25 689 SH   DFND   689 0 0
Vanguard ETF/USA VAN FTSE DEV MKT 921943858 10,483 288,318 SH   SOLE   287,281 0 1,037
Vanguard ETF/USA FTSE EMR MKT ETF 922042858 49 1,348 SH   SOLE   1,348 0 0
Vanguard ETF/USA ENERGY ETF 92204A306 152 1,500 SH   DFND   1,500 0 0
Vanguard ETF/USA HEALTH CAR ETF 92204A504 67 300 SH   DFND   300 0 0
Vanguard ETF/USA HEALTH CAR ETF 92204A504 122 547 SH   SOLE   547 0 0
Vanguard ETF/USA INF TECH ETF 92204A702 92 300 SH   DFND   300 0 0
Vanguard ETF/USA UTILITIES ETF 92204A876 92 650 SH   DFND   650 0 0
Vanguard ETF/USA MCAP VL IDXVIP 922908512 15 122 SH   SOLE   122 0 0
Vanguard ETF/USA REAL ESTATE ETF 922908553 58 725 SH   DFND   300 0 425
Vanguard ETF/USA REAL ESTATE ETF 922908553 874 10,896 SH   SOLE   9,876 0 1,020
Vanguard ETF/USA SML CP GRW ETF 922908595 30 155 SH   SOLE   155 0 0
Vanguard ETF/USA MID CAP ETF 922908629 60 320 SH   DFND   150 0 170
Vanguard ETF/USA MID CAP ETF 922908629 568 3,023 SH   SOLE   3,023 0 0
Vanguard ETF/USA GROWTH ETF 922908736 35 164 SH   SOLE   164 0 0
Vanguard ETF/USA VALUE ETF 922908744 55 446 SH   SOLE   446 0 0
Vanguard ETF/USA SMALL CP ETF 922908751 78 457 SH   DFND   329 0 128
Vanguard ETF/USA SMALL CP ETF 922908751 1,499 8,773 SH   SOLE   8,729 0 44
Vanguard ETF/USA TOTAL STK MKT 922908769 804 4,479 SH   DFND   325 0 4,154
Vanguard ETF/USA TOTAL STK MKT 922908769 201 1,119 SH   SOLE   1,119 0 0
Vanguard Group Inc/The TOTAL BND MRKT 921937835 188 2,632 SH   DFND   1,866 0 766
Vanguard Group Inc/The TOTAL BND MRKT 921937835 6,070 85,094 SH   SOLE   82,489 0 2,605
Vanguard Group Inc/The INTER TERM TREAS 92206C706 34 587 SH   SOLE   587 0 0
Vanguard Group Inc/The MTG-BKD SECS ETF 92206C771 3 76 SH   SOLE   76 0 0
Victoria's Secret & Co COMMON STOCK 926400102 3 100 SH   DFND   0 0 100
Vodafone Group PLC SPONSORED ADR 92857W308 46 4,100 SH   DFND   0 0 4,100
Vodafone Group PLC SPONSORED ADR 92857W308 17 1,523 SH   SOLE   1,523 0 0
Voya Investments LLC CORE S&P MCP ETF 464287507 1,147 5,229 SH   DFND   3,690 0 1,539
Voya Investments LLC CORE S&P MCP ETF 464287507 11,053 50,409 SH   SOLE   45,154 0 5,255
Voya Investments LLC CORE S&P US VLU 464287663 42 668 SH   SOLE   668 0 0
WASTE MANAGEMENT COM 94106L109 305 1,902 SH   DFND   386 0 1,516
WASTE MANAGEMENT COM 94106L109 8,336 52,029 SH   SOLE   51,369 0 660
WEC Energy Group Inc COM 92939U106 45 500 SH   DFND   0 0 500
WEC Energy Group Inc COM 92939U106 198 2,215 SH   SOLE   2,215 0 0
WELLS FARGO & CO COM 949746101 54 1,350 SH   DFND   0 0 1,350
WELLS FARGO & CO COM 949746101 99 2,470 SH   SOLE   2,470 0 0
WESTN DIGITAL CORP COM 958102105 10 300 SH   DFND   0 0 300
WP Carey Inc COM 92936U109 28 406 SH   SOLE   406 0 0
WW Grainger Inc COM 384802104 264 539 SH   SOLE   539 0 0
Walgreens Boots Alliance Inc COM 931427108 20 647 SH   DFND   577 0 70
Walgreens Boots Alliance Inc COM 931427108 9 300 SH   SOLE   300 0 0
Walmart Inc COM 931142103 1,033 7,963 SH   DFND   532 0 7,431
Walmart Inc COM 931142103 8,820 68,005 SH   SOLE   66,702 0 1,303
Walt Disney Co/The COM 254687106 467 4,955 SH   DFND   0 0 4,955
Walt Disney Co/The COM 254687106 369 3,913 SH   SOLE   2,163 0 1,750
Warner Bros Discovery Inc None 934423104 111 9,618 SH   DFND   0 0 9,618
Warner Bros Discovery Inc None 934423104 92 7,972 SH   SOLE   7,972 0 0
Webster Financial Corp COM 947890109 1,137 25,162 SH   DFND   0 0 25,162
Westinghouse Air Brake Technol COM 929740108 9 110 SH   DFND   0 0 110
Westinghouse Air Brake Technol COM 929740108 5 66 SH   SOLE   66 0 0
Westrock Co COM 96145D105 24 780 SH   DFND   0 0 780
Wheaton Precious Metals Corp COM 962879102 8 247 SH   DFND   0 0 247
Whirlpool Corp COM 963320106 52 383 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 34 1,378 SH   DFND   203 0 1,175
WisdomTree Asset Management Inc EM EX ST-OWNED 97717X578 19,692 799,826 SH   SOLE   789,544 0 10,282
WisdomTree Asset Management Inc US QTLY DIV GRT 97717X669 40 750 SH   DFND   750 0 0
WisdomTree Asset Management Inc EUROPE HEDGED EQ 97717X701 49 780 SH   DFND   0 0 780
WisdomTree Asset Management Inc EUROPE HEDGED EQ 97717X701 128 2,054 SH   SOLE   2,054 0 0
WisdomTree ETFs/USA US TOTAL DIVIDND 97717W109 70 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 35 400 SH   DFND   0 0 400
YUM BRANDS INC COM 988498101 160 1,500 SH   DFND   0 0 1,500
Yum China Holdings Inc COM 98850P109 47 1,000 SH   DFND   0 0 1,000
ZIMMER HLDGS INC COM 98956P102 45 430 SH   DFND   0 0 430
ZIMMER HLDGS INC COM 98956P102 26 245 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 34 914 SH   SOLE   914 0 0
iShares ETFs/USA CORE US AGGBD ET 464287226 498 5,172 SH   DFND   0 0 5,172
iShares ETFs/USA CORE US AGGBD ET 464287226 3 31 SH   SOLE   31 0 0
iShares ETFs/USA RUS 1000 ETF 464287622 30 150 SH   DFND   150 0 0
iShares ETFs/USA US CONSM STAPLES 464287812 139 775 SH   SOLE   775 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 2,435 99,990 SH   DFND   0 0 99,990
iShares ETFs/USA BROAD USD HIGH 46435U853 32 961 SH   SOLE   961 0 0
iShares/USA MSCI SWITZERLAND 464286749 105 2,800 SH   DFND   2,800 0 0
iSun Inc COM 465246106 0 100 SH   DFND   0 0 100