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   306,436 2,889 SH   DFND   0 0 2,889
3M Co COM 88579Y101   254,674 2,401 SH   SOLE   2,401 0 0
5TH THIRD BANCORP COM 316773100   1,191 32 SH   SOLE   32 0 0
ADVANCED MICRO DEV COM 007903107   15,342 85 SH   DFND   0 0 85
ADVANCED MICRO DEV COM 007903107   31,586 175 SH   SOLE   175 0 0
AGILENT TECHS INC COM 00846U101   91,671 630 SH   DFND   478 0 152
AGILENT TECHS INC COM 00846U101   183,343 1,260 SH   SOLE   1,260 0 0
AGNC INVESTMENT CORP COM 00123Q104   71,775 7,250 SH   DFND   0 0 7,250
ALBEMARLE CORP COM 012653101   203,407 1,544 SH   DFND   0 0 1,544
ALBEMARLE CORP COM 012653101   23,055 175 SH   SOLE   175 0 0
ALCON AG ORD SHS H01301128   18,324 220 SH   SOLE   220 0 0
ALPHABET INC CAP STK CL A 02079K305   271,674 1,800 SH   DFND   100 0 1,700
ALPHABET INC CAP STK CL A 02079K305   10,972,762 72,701 SH   SOLE   70,307 0 2,394
ALPS CLOSED END FUNDS/USA SH BEN INT 530158104   15,015 2,100 SH   DFND   0 0 2,100
ALTRIA GROUP INC COM 02209S103   189,834 4,352 SH   DFND   0 0 4,352
ALTRIA GROUP INC COM 02209S103   82,878 1,900 SH   SOLE   1,900 0 0
AMER EXPRESS CO COM 025816109   409,842 1,800 SH   DFND   0 0 1,800
AMER EXPRESS CO COM 025816109   322,409 1,416 SH   SOLE   391 0 1,025
AMER INTL GRP COM NEW 026874784   15,243 195 SH   DFND   0 0 195
AMER INTL GRP COM NEW 026874784   169,942 2,174 SH   SOLE   2,174 0 0
AMMO Inc COM 00175J107   1,375 500 SH   SOLE   500 0 0
ANALOG DEVICES INC COM 032654105   19,581 99 SH   SOLE   99 0 0
APA Corp COM 03743Q108   72,267 2,102 SH   DFND   0 0 2,102
APPLIED MATERIALS COM 038222105   11,136 54 SH   SOLE   54 0 0
APTARGROUP INC COM 038336103   3,597 25 SH   SOLE   25 0 0
ASML HOLDING NV N Y REGISTRY SHS N07059210   19,409 20 SH   SOLE   20 0 0
AT&T INC COM 00206R102   508,728 28,905 SH   DFND   2,700 0 26,205
AT&T INC COM 00206R102   431,605 24,523 SH   SOLE   24,523 0 0
AUTOMATIC DATA PROCESSING COM 053015103   1,609,824 6,446 SH   DFND   161 0 6,285
AUTOMATIC DATA PROCESSING COM 053015103   1,151,052 4,609 SH   SOLE   3,379 0 1,230
AUTOZONE INC COM 053332102   346,682 110 SH   DFND   0 0 110
AbbVie Inc COM 00287Y109   4,886,836 26,836 SH   DFND   0 0 26,836
AbbVie Inc COM 00287Y109   1,796,963 9,868 SH   SOLE   9,868 0 0
Abbott Laboratories COM 002824100   2,746,935 24,168 SH   DFND   150 0 24,018
Abbott Laboratories COM 002824100   8,848,090 77,847 SH   SOLE   76,799 0 1,048
Accenture PLC SHS CLASS A G1151C101   94,625 273 SH   DFND   20 0 253
Accenture PLC SHS CLASS A G1151C101   5,868,107 16,930 SH   SOLE   16,257 0 673
Adobe Inc COM 00724F101   221,519 439 SH   DFND   9 0 430
Adobe Inc COM 00724F101   6,074,375 12,038 SH   SOLE   11,574 0 464
Aflac Inc COM 001055102   165,967 1,933 SH   SOLE   1,933 0 0
Air Products and Chemicals Inc COM 009158106   500,530 2,066 SH   DFND   0 0 2,066
Air Products and Chemicals Inc COM 009158106   42,397 175 SH   SOLE   175 0 0
Alcoa Corp COM 013872106   67,580 2,000 SH   DFND   0 0 2,000
Allstate Corp/The COM 020002101   7,612 44 SH   DFND   0 0 44
Allstate Corp/The COM 020002101   2,249 13 SH   SOLE   13 0 0
Alphabet Inc CAP STK CL C 02079K107   26,493 174 SH   DFND   0 0 174
Alphabet Inc CAP STK CL C 02079K107   670,705 4,405 SH   SOLE   4,405 0 0
Amazon.com Inc COM 023135106   356,972 1,979 SH   DFND   1,840 0 139
Amazon.com Inc COM 023135106   13,047,607 72,334 SH   SOLE   68,951 0 3,383
American Airlines Group Inc COM 02376R102   12,050 785 SH   DFND   0 0 785
American Electric Power Co Inc COM 025537101   93,505 1,086 SH   DFND   0 0 1,086
American Electric Power Co Inc COM 025537101   2,841 33 SH   SOLE   33 0 0
American Software Inc/GA CL A 029683109   42,365 3,700 SH   DFND   3,700 0 0
American Tower Corp COM 03027X100   88,916 450 SH   DFND   450 0 0
American Tower Corp COM 03027X100   2,569 13 SH   SOLE   13 0 0
American Water Works Co Inc COM 030420103   99,235 812 SH   DFND   10 0 802
American Water Works Co Inc COM 030420103   3,222,433 26,368 SH   SOLE   26,368 0 0
Ameriprise Financial Inc COM 03076C106   69,712 159 SH   DFND   0 0 159
Amgen Inc COM 031162100   25,873 91 SH   DFND   27 0 64
Amgen Inc COM 031162100   9,204,007 32,372 SH   SOLE   30,952 0 1,420
Amphenol Corp CL A 032095101   6,690 58 SH   SOLE   58 0 0
Amplify Investments LLC/ETF CWP ENHANCED DIV 032108409   7,776 200 SH   SOLE   200 0 0
Annaly Capital Management Inc COM NEW 035710839   88,605 4,500 SH   DFND   0 0 4,500
Apollo Commercial Real Estate COM 03762U105   11,140 1,000 SH   DFND   0 0 1,000
Apple Inc COM 037833100   2,893,725 16,875 SH   DFND   4,938 0 11,937
Apple Inc COM 037833100   33,599,277 195,937 SH   SOLE   186,543 0 9,394
Aptiv PLC SHS G6095L109   7,965 100 SH   DFND   100 0 0
ArcBest Corp COM 03937C105   3,563 25 SH   DFND   0 0 25
Archer-Daniels-Midland Co COM 039483102   23,491 374 SH   SOLE   374 0 0
Ares Commercial Real Estate Co COM 04013V108   7,525 1,010 SH   DFND   0 0 1,010
Arthur J Gallagher & Co COM 363576109   283,545 1,134 SH   DFND   43 0 1,091
Arthur J Gallagher & Co COM 363576109   12,638,022 50,544 SH   SOLE   49,949 0 595
Ashland Inc COM 044186104   335,148 3,442 SH   DFND   0 0 3,442
Atmos Energy Corp COM 049560105   89,153 750 SH   DFND   0 0 750
Autodesk Inc COM 052769106   2,469,042 9,481 SH   SOLE   9,099 0 382
Autoliv Inc COM 052800109   723 6 SH   DFND   0 0 6
Azenta Inc COM 114340102   36,168 600 SH   DFND   600 0 0
BAXTER INTL INC COM 071813109   55,562 1,300 SH   DFND   200 0 1,100
BCE Inc COM NEW 05534B760   27,184 800 SH   DFND   800 0 0
BCE Inc COM NEW 05534B760   3,376,321 99,362 SH   SOLE   99,362 0 0
BECTON DICKINSON COM 075887109   25,735 104 SH   SOLE   104 0 0
BEST BUY CO INC COM 086516101   86,132 1,050 SH   DFND   0 0 1,050
BK OF AMERICA CORP COM 060505104   239,351 6,312 SH   DFND   0 0 6,312
BK OF AMERICA CORP COM 060505104   7,584 200 SH   SOLE   200 0 0
BK OF MONTREAL COM 063671101   97,680 1,000 SH   DFND   0 0 1,000
BK OF NOVA SCOTIA COM 064149107   67,314 1,300 SH   DFND   0 0 1,300
BK OF NY MELLON CP COM 064058100   172,284 2,990 SH   DFND   0 0 2,990
BK OF NY MELLON CP COM 064058100   576 10 SH   SOLE   10 0 0
BOEING CO COM 097023105   134,128 695 SH   DFND   0 0 695
BOEING CO COM 097023105   36,475 189 SH   SOLE   189 0 0
BP PLC SPONSORED ADR 055622104   10,852 288 SH   DFND   0 0 288
BP PLC SPONSORED ADR 055622104   45,216 1,200 SH   SOLE   1,200 0 0
BRIGHTHOUSE FINANCIAL INC. COM 10922N103   773 15 SH   SOLE   15 0 0
BRISTOL-MYRS SQUIB COM 110122108   246,421 4,544 SH   DFND   2,239 0 2,305
BRISTOL-MYRS SQUIB COM 110122108   413,233 7,620 SH   SOLE   7,620 0 0
BRITISH AMERICAN TOBACCO PLC SPONSORED ADR 110448107   3,050 100 SH   DFND   0 0 100
BRITISH AMERICAN TOBACCO PLC SPONSORED ADR 110448107   11,194 367 SH   SOLE   367 0 0
Bar Harbor Bankshares COM 066849100   43,692 1,650 SH   DFND   0 0 1,650
Bausch Health Cos Inc COM 071734107   6,684 630 SH   SOLE   630 0 0
Beam Global COM 07373B109   34 5 SH   DFND   0 0 5
Berkshire Hathaway Inc CL B NEW 084670702   15,559 37 SH   DFND   30 0 7
Berkshire Hathaway Inc CL B NEW 084670702   8,640,845 20,548 SH   SOLE   18,900 0 1,648
Beyond Meat Inc COM 08862E109   704 85 SH   DFND   0 0 85
Biogen Inc COM 09062X103   17,466 81 SH   SOLE   81 0 0
Black Hills Corp COM 092113109   32,760 600 SH   DFND   600 0 0
BlackRock Fund Advisors SHRT NAT MUN ETF 464288158   1,726,474 16,485 SH   SOLE   16,485 0 0
BlackRock Funds/Closed-End/USA COM 09255C106   144,310 13,627 SH   DFND   0 0 13,627
BlackRock Inc COM 09247X101   191,751 230 SH   DFND   78 0 152
BlackRock Inc COM 09247X101   9,181,538 11,013 SH   SOLE   10,920 0 93
Blackstone Inc COM 09260D107   197,055 1,500 SH   SOLE   1,500 0 0
Blink Charging Co COM 09354A100   452 150 SH   SOLE   150 0 0
Block Inc CL A 852234103   1,269 15 SH   DFND   0 0 15
Blue Owl Capital Corp COM 69121K104   14,842 965 SH   DFND   0 0 965
Booking Holdings Inc COM 09857L108   246,696 68 SH   SOLE   38 0 30
Boston Properties Inc COM 101121101   3,266 50 SH   SOLE   50 0 0
Boston Scientific Corp COM 101137107   645,792 9,429 SH   SOLE   9,429 0 0
BrightSpire Capital Inc COM CL A 10949T109   108,862 15,800 SH   DFND   0 0 15,800
Broadcom Inc COM 11135F101   112,660 85 SH   DFND   85 0 0
Broadcom Inc COM 11135F101   41,088 31 SH   SOLE   31 0 0
Broadstone Net Lease Inc COM 11135E203   1,820,713 116,191 SH   SOLE   116,191 0 0
CARRIER GLOBAL CORP COM 14448C104   13,661 235 SH   DFND   0 0 235
CARRIER GLOBAL CORP COM 14448C104   22,322 384 SH   SOLE   384 0 0
CDN NATL RAILWAYS COM 136375102   36,220 275 SH   SOLE   275 0 0
CHARLES SCHWAB INVESTMENT MANAGEMENT INC EMRG MKTEQ ETF 808524706   28,962 1,147 SH   SOLE   1,147 0 0
CHARLES SCHWAB INVESTMENT MANAGEMENT INC US DIVIDEND EQ 808524797   64,504 800 SH   DFND   800 0 0
CHARLES SCHWAB INVESTMENT MANAGEMENT INC US DIVIDEND EQ 808524797   54,506 676 SH   SOLE   676 0 0
CHARLES SCHWAB INVESTMENT MANAGEMENT INC US TIPS ETF 808524870   9,389 180 SH   DFND   0 0 180
CHUBB LIMITED COM COM H1467J104   48,976 189 SH   SOLE   189 0 0
CIBC COM 136069101   101,440 2,000 SH   DFND   0 0 2,000
CISCO SYSTEMS COM 17275R102   858,202 17,195 SH   DFND   3,286 0 13,909
CISCO SYSTEMS COM 17275R102   11,142,108 223,244 SH   SOLE   213,004 0 10,240
CME Group Inc COM 12572Q105   21,529 100 SH   SOLE   100 0 0
COGNIZANT TECHNOLO CL A 192446102   9,528 130 SH   DFND   0 0 130
COGNIZANT TECHNOLO CL A 192446102   202,574 2,764 SH   SOLE   714 0 2,050
COLGATE-PALMOLIVE COM 194162103   423,235 4,700 SH   SOLE   4,700 0 0
CONAGRA FOODS INC COM 205887102   71,136 2,400 SH   DFND   0 0 2,400
CONAGRA FOODS INC COM 205887102   10,167 343 SH   SOLE   343 0 0
CONOCOPHILLIPS COM 20825C104   261,942 2,058 SH   DFND   0 0 2,058
CONOCOPHILLIPS COM 20825C104   249,469 1,960 SH   SOLE   1,960 0 0
CORNING INC COM 219350105   547,663 16,616 SH   DFND   2,600 0 14,016
CORNING INC COM 219350105   434,940 13,196 SH   SOLE   13,196 0 0
CRANE HOLDINGS CO COM 224441105   5,571 90 SH   DFND   0 0 90
CSX CORP COM 126408103   6,895 186 SH   SOLE   186 0 0
CVS Health Corp COM 126650100   414,752 5,200 SH   DFND   0 0 5,200
CVS Health Corp COM 126650100   57,906 726 SH   SOLE   726 0 0
Campbell Soup Co COM 134429109   445 10 SH   DFND   0 0 10
Cantaloupe Inc COM 138103106   5,819 905 SH   DFND   0 0 905
Capital One Financial Corp COM 14040H105   135,639 911 SH   DFND   0 0 911
Capital Southwest Corp COM 140501107   8,861 355 SH   DFND   0 0 355
Cardinal Health Inc COM 14149Y108   223,129 1,994 SH   SOLE   204 0 1,790
Carpenter Technology Corp COM 144285103   574,788 8,048 SH   SOLE   8,048 0 0
Casella Waste Systems Inc CL A 147448104   3,134,574 31,704 SH   SOLE   31,704 0 0
Caterpillar Inc COM 149123101   661,040 1,804 SH   DFND   1,004 0 800
Caterpillar Inc COM 149123101   190,910 521 SH   SOLE   521 0 0
Cencora Inc COM 03073E105   122,467 504 SH   SOLE   504 0 0
Cenovus Energy Inc COM 15135U109   29,425 1,472 SH   DFND   0 0 1,472
ChargePoint Holdings Inc COM CL A 15961R105   209 110 SH   DFND   0 0 110
Charles Schwab Corp/The COM 808513105   314,896 4,353 SH   SOLE   4,353 0 0
Charles Schwab Investment Management Inc US BRD MKT ETF 808524102   132,967 2,178 SH   DFND   0 0 2,178
Charles Schwab Investment Management Inc US LRG CAP ETF 808524201   4,903 79 SH   SOLE   79 0 0
Charles Schwab Investment Management Inc US SML CAP ETF 808524607   1,280 26 SH   SOLE   26 0 0
Charles Schwab Investment Management Inc SCHWB FDT INT LG 808524755   83,256 2,338 SH   SOLE   2,338 0 0
Charles Schwab Investment Management Inc INTL EQTY ETF 808524805   1,795 46 SH   SOLE   46 0 0
Charles Schwab Investment Management Inc US AGGREGATE B 808524839   1,104 24 SH   SOLE   24 0 0
Chemed Corp COM 16359R103   198,998 310 SH   SOLE   310 0 0
Chemours Co/The COM 163851108   6,407 244 SH   DFND   0 0 244
Chemours Co/The COM 163851108   525 20 SH   SOLE   20 0 0
Chevron Corp COM 166764100   733,806 4,652 SH   DFND   0 0 4,652
Chevron Corp COM 166764100   916,469 5,810 SH   SOLE   5,160 0 650
Chewy Inc CL A 16679L109   166,084 10,439 SH   DFND   0 0 10,439
Church & Dwight Co Inc COM 171340102   200,901 1,926 SH   SOLE   1,926 0 0
Churchill Downs Inc COM 171484108   1,238 10 SH   DFND   0 0 10
Cigna Group/The COM 125523100   26,513 73 SH   DFND   0 0 73
Cigna Group/The COM 125523100   714,395 1,967 SH   SOLE   1,967 0 0
Citigroup Inc COM NEW 172967424   20,679 327 SH   DFND   0 0 327
Citigroup Inc COM NEW 172967424   316 5 SH   SOLE   5 0 0
Citizens Financial Group Inc COM 174610105   290 8 SH   SOLE   8 0 0
Clorox Co/The COM 189054109   741,052 4,840 SH   DFND   701 0 4,139
Clorox Co/The COM 189054109   21,895 143 SH   SOLE   143 0 0
Coca-Cola Co/The COM 191216100   1,007,084 16,461 SH   DFND   0 0 16,461
Coca-Cola Co/The COM 191216100   1,521,057 24,862 SH   SOLE   24,862 0 0
Cohen & Steers Funds/Closed-en COM 19247X100   8,412 400 SH   DFND   0 0 400
Cohu Inc COM 192576106   4,433 133 SH   SOLE   133 0 0
Comcast Corp CL A 20030N101   178,689 4,122 SH   DFND   0 0 4,122
Comcast Corp CL A 20030N101   237,948 5,489 SH   SOLE   5,489 0 0
Consolidated Edison Inc COM 209115104   116,509 1,283 SH   DFND   0 0 1,283
Constellation Brands Inc CL A 21036P108   273,662 1,007 SH   SOLE   1,007 0 0
Constellation Energy Corp COM 21037T109   34,382 186 SH   DFND   0 0 186
Constellium SE CL A SHS F21107101   4,422 200 SH   DFND   0 0 200
Corteva Inc COM 22052L104   1,211 21 SH   DFND   0 0 21
Corteva Inc COM 22052L104   2,422 42 SH   SOLE   42 0 0
Costco Wholesale Corp COM 22160K105   716,512 978 SH   DFND   454 0 524
Costco Wholesale Corp COM 22160K105   9,756,434 13,317 SH   SOLE   12,736 0 581
Crane Co COMMON STOCK 224408104   12,162 90 SH   DFND   0 0 90
Crown Castle Inc COM 22822V101   219,703 2,076 SH   DFND   0 0 2,076
Crown Castle Inc COM 22822V101   1,058 10 SH   SOLE   10 0 0
DEERE & CO COM 244199105   392,667 956 SH   DFND   0 0 956
DEERE & CO COM 244199105   10,269 25 SH   SOLE   25 0 0
DENTSPLY SIRONA COM 24906P109   13,276 400 SH   DFND   400 0 0
DIAGEO SPON ADR NEW 25243Q205   74,370 500 SH   SOLE   500 0 0
DISCOVER FINL SVCS COM 254709108   196,635 1,500 SH   DFND   0 0 1,500
DOMINION RES(VIR) COM 25746U109   123,959 2,520 SH   DFND   300 0 2,220
DOMINION RES(VIR) COM 25746U109   59,028 1,200 SH   SOLE   1,200 0 0
DUKE ENERGY CORP COM NEW 26441C204   264,405 2,734 SH   DFND   72 0 2,662
DUKE ENERGY CORP COM NEW 26441C204   7,939,407 82,095 SH   SOLE   81,370 0 725
Dana Inc COM 235825205   39,370 3,100 SH   DFND   3,100 0 0
Danaher Corp COM 235851102   28,468 114 SH   DFND   22 0 92
Danaher Corp COM 235851102   8,524,442 34,136 SH   SOLE   32,340 0 1,796
Darden Restaurants Inc COM 237194105   17,384 104 SH   DFND   0 0 104
Darden Restaurants Inc COM 237194105   34,099 204 SH   SOLE   204 0 0
Dell Technologies Inc CL C 24703L202   9,015 79 SH   SOLE   79 0 0
Delta Air Lines Inc COM NEW 247361702   185,688 3,879 SH   DFND   0 0 3,879
Dick's Sporting Goods Inc COM 253393102   314,804 1,400 SH   DFND   0 0 1,400
Douglas Dynamics Inc COM 25960R105   48,240 2,000 SH   DFND   0 0 2,000
Dow Inc COM 260557103   135,904 2,346 SH   DFND   0 0 2,346
Dow Inc COM 260557103   33,136 572 SH   SOLE   572 0 0
DuPont de Nemours Inc COM 26614N102   7,360 96 SH   DFND   0 0 96
DuPont de Nemours Inc COM 26614N102   3,220 42 SH   SOLE   42 0 0
ECOLAB INC COM 278865100   218,662 947 SH   SOLE   947 0 0
EMERSON ELECTRIC COM 291011104   765,245 6,747 SH   DFND   1,700 0 5,047
EMERSON ELECTRIC COM 291011104   1,282,440 11,307 SH   SOLE   11,307 0 0
EOG Resources Inc COM 26875P101   143,820 1,125 SH   DFND   0 0 1,125
EOG Resources Inc COM 26875P101   4,474 35 SH   SOLE   35 0 0
ETFis Series Trust I VIRTUS INFRCAP 26923G822   15,713 750 SH   DFND   0 0 750
ETRACS ETNs/UBS AG/London/USA ETRACS MNTHLY B 90274E166   38,867 5,880 SH   DFND   0 0 5,880
EXCHANGE TRADED CONCEPTS LLC ROBO GLB ETF 301505707   586 10 SH   DFND   0 0 10
EXELON CORP COM 30161N101   125,784 3,348 SH   DFND   0 0 3,348
EXELON CORP COM 30161N101   10,670 284 SH   SOLE   284 0 0
Eagle Materials Inc COM 26969P108   27,175 100 SH   SOLE   100 0 0
Eagle Point Credit Management COM 269808101   98,067 9,700 SH   DFND   0 0 9,700
Eagle Point Credit Management LLC/USA COM 269817102   4,995 300 SH   DFND   0 0 300
Eastman Chemical Co COM 277432100   1,002 10 SH   SOLE   10 0 0
Eaton Corp PLC SHS G29183103   947,733 3,031 SH   DFND   800 0 2,231
Edwards Lifesciences Corp COM 28176E108   4,778 50 SH   SOLE   50 0 0
Elevance Health Inc COM 036752103   30,594 59 SH   SOLE   59 0 0
Eli Lilly & Co COM 532457108   367,197 472 SH   DFND   30 0 442
Eli Lilly & Co COM 532457108   23,636,759 30,383 SH   SOLE   29,778 0 605
Embecta Corp COMMON STOCK 29082K105   279 21 SH   SOLE   21 0 0
Energy Transfer LP COM UT LTD PTN 29273V100   213,220 13,555 SH   DFND   0 0 13,555
Entergy Corp COM 29364G103   126,816 1,200 SH   DFND   0 0 1,200
Essential Utilities Inc COM 29670G102   126,674 3,419 SH   SOLE   3,419 0 0
Etsy Inc COM 29786A106   34,360 500 SH   DFND   0 0 500
Evergy Inc COM 30034W106   1,121 21 SH   SOLE   21 0 0
Eversource Energy COM 30040W108   4,483 75 SH   DFND   0 0 75
Extra Space Storage Inc COM 30225T102   95,550 650 SH   DFND   0 0 650
Exxon Mobil Corp COM 30231G102   2,071,978 17,825 SH   DFND   2,940 0 14,885
Exxon Mobil Corp COM 30231G102   16,109,702 138,590 SH   SOLE   137,525 0 1,065
FEDEX CORP COM 31428X106   290,609 1,003 SH   DFND   0 0 1,003
FEDEX CORP COM 31428X106   121,401 419 SH   SOLE   419 0 0
FIRST TRUST ADVISORS LP DJ INTERNT IDX 33733E302   20,509 100 SH   DFND   100 0 0
FISERV INC COM 337738108   124,979 782 SH   DFND   0 0 782
FISERV INC COM 337738108   5,594 35 SH   SOLE   35 0 0
FMC Corp COM NEW 302491303   1,083 17 SH   SOLE   17 0 0
FORD MOTOR CO COM 345370860   83,903 6,318 SH   DFND   800 0 5,518
FORD MOTOR CO COM 345370860   111,193 8,373 SH   SOLE   8,373 0 0
FRANCO-NEVADA CORP COM 351858105   7,745 65 SH   DFND   0 0 65
FREEPORT-MCMOR C&G CL B 35671D857   37,193 791 SH   SOLE   791 0 0
FS KKR Capital Corp COM 302635206   15,256 800 SH   DFND   0 0 800
FTI Consulting Inc COM 302941109   42,058 200 SH   DFND   0 0 200
Fastenal Co COM 311900104   154,280 2,000 SH   DFND   0 0 2,000
Fidelity ETFs/USA None 316092113   54,841 1,859 SH   SOLE   1,859 0 0
Fidelity National Financial In FNF GROUP COM 31620R303   319 6 SH   SOLE   6 0 0
Fidelity National Information COM 31620M106   74,180 1,000 SH   DFND   0 0 1,000
First Financial Bancorp COM 320209109   24,909 1,111 SH   SOLE   1,111 0 0
First Trust ETFs/USA NAT GAS ETF 33733E807   267,814 9,760 SH   DFND   9,760 0 0
FirstEnergy Corp COM 337932107   5,793 150 SH   DFND   0 0 150
FirstEnergy Corp COM 337932107   147,683 3,824 SH   SOLE   3,824 0 0
FlexShares ETFs/USA MORNSTAR UPSTR 33939L407   2,711 66 SH   SOLE   66 0 0
Flowserve Corp COM 34354P105   22,840 500 SH   DFND   500 0 0
Fortive Corp COM 34959J108   9,032 105 SH   SOLE   105 0 0
Fortrea Holdings Inc COMMON STOCK 34965K107   40,140 1,000 SH   DFND   0 0 1,000
Four Corners Property Trust In COM 35086T109   2,447 100 SH   DFND   0 0 100
Franklin Resources Inc COM 354613101   56,220 2,000 SH   DFND   0 0 2,000
Fresenius Medical Care AG SPONSORED ADR 358029106   19,280 1,000 SH   DFND   0 0 1,000
Fulton Financial Corp COM 360271100   72,331 4,552 SH   SOLE   4,552 0 0
GARRETT MOTION INC COM 366505105   30 3 SH   SOLE   3 0 0
GE HealthCare Technologies Inc COMMON STOCK 36266G107   118,001 1,298 SH   DFND   200 0 1,098
GE HealthCare Technologies Inc COMMON STOCK 36266G107   34,182 376 SH   SOLE   376 0 0
GEN DYNAMICS CORP COM 369550108   13,277 47 SH   DFND   42 0 5
GEN DYNAMICS CORP COM 369550108   7,289,089 25,803 SH   SOLE   25,496 0 307
GENERAL MILLS INC COM 370334104   214,178 3,061 SH   DFND   0 0 3,061
GENERAL MILLS INC COM 370334104   114,051 1,630 SH   SOLE   1,630 0 0
GOLDMAN SACHS GRP COM 38141G104   208,845 500 SH   DFND   0 0 500
GOLDMAN SACHS GRP COM 38141G104   271,499 650 SH   SOLE   650 0 0
GORMAN-RUPP CO/THE COM 383082104   47,460 1,200 SH   DFND   1,200 0 0
GSK PLC SPONSORED ADR 37733W204   4,287 100 SH   DFND   100 0 0
GSK PLC SPONSORED ADR 37733W204   44,585 1,040 SH   SOLE   1,040 0 0
Gaming and Leisure Properties COM 36467J108   276 6 SH   SOLE   6 0 0
Generac Holdings Inc COM 368736104   3,154 25 SH   DFND   25 0 0
General Electric Co COM NEW 369604301   492,537 2,806 SH   DFND   0 0 2,806
General Electric Co COM NEW 369604301   468,139 2,667 SH   SOLE   2,667 0 0
General Motors Co COM 37045V100   95,235 2,100 SH   DFND   0 0 2,100
Genuine Parts Co COM 372460105   44,620 288 SH   DFND   288 0 0
Gilead Sciences Inc COM 375558103   733 10 SH   DFND   0 0 10
Gilead Sciences Inc COM 375558103   141,885 1,937 SH   SOLE   1,937 0 0
Global X ETFs/USA SOCIAL MED ETF 37950E416   20,140 500 SH   DFND   500 0 0
Global X ETFs/USA GBL X BLOCKCHAIN 37960A735   15,294 300 SH   DFND   300 0 0
Goldman Sachs ETF Trust ACTIVEBETA INT 381430107   8,264 241 SH   DFND   0 0 241
Goldman Sachs ETF Trust ACTIVEBETA INT 381430107   79,073 2,306 SH   SOLE   2,306 0 0
Goldman Sachs ETF Trust ACTIVEBETA US LG 381430503   194,918 1,878 SH   SOLE   1,878 0 0
H&Q Funds/USA SHS 879105104   8,241 410 SH   DFND   0 0 410
HALLIBURTON COM 406216101   12,930 328 SH   DFND   100 0 228
HANESBRANDS INC COM 410345102   4,234 730 SH   DFND   0 0 730
HERSHEY CO (THE) COM 427866108   84,997 437 SH   DFND   0 0 437
HERSHEY CO (THE) COM 427866108   425,761 2,189 SH   SOLE   2,189 0 0
HP Inc COM 40434L105   17,981 595 SH   DFND   0 0 595
Haleon PLC SPON ADS 405552100   11,037 1,300 SH   SOLE   1,300 0 0
Hartford Financial Services Gr COM 416515104   314,096 3,048 SH   DFND   0 0 3,048
Hartford Funds Exchange-Traded TOTAL RTRN ETF 41653L305   96,530 2,861 SH   SOLE   2,861 0 0
Healthpeak Properties Inc COM 42250P103   93,750 5,000 SH   DFND   0 0 5,000
Healthpeak Properties Inc COM 42250P103   375 20 SH   SOLE   20 0 0
Helmerich & Payne Inc COM 423452101   7,529 179 SH   DFND   0 0 179
Henry Schein Inc COM 806407102   428,198 5,670 SH   SOLE   5,670 0 0
Hewlett Packard Enterprise Co COM 42824C109   10,248 578 SH   DFND   0 0 578
Home Depot Inc/The COM 437076102   936,368 2,441 SH   DFND   53 0 2,388
Home Depot Inc/The COM 437076102   12,330,822 32,145 SH   SOLE   31,693 0 452
Honeywell International Inc COM 438516106   334,763 1,631 SH   DFND   193 0 1,438
Honeywell International Inc COM 438516106   9,810,334 47,797 SH   SOLE   46,836 0 961
Howmet Aerospace Inc COM 443201108   280,563 4,100 SH   DFND   0 0 4,100
Huntington Bancshares Inc/OH COM 446150104   628 45 SH   SOLE   45 0 0
IDACORP Inc COM 451107106   4,645 50 SH   DFND   50 0 0
ILLINOIS TOOL WKS COM 452308109   459,381 1,712 SH   DFND   262 0 1,450
INTERCONTINENTAL EXCHANGE COM 45866F104   9,208 67 SH   DFND   52 0 15
INTERCONTINENTAL EXCHANGE COM 45866F104   4,368,487 31,787 SH   SOLE   30,187 0 1,600
INTL BUSINESS MCHN COM 459200101   1,127,237 5,903 SH   DFND   300 0 5,603
INTL BUSINESS MCHN COM 459200101   2,036,206 10,663 SH   SOLE   10,663 0 0
ISHARES S&P 100 ETF 464287101   311,242 1,258 SH   SOLE   1,258 0 0
ISHARES SELECT DIVID ETF 464287168   749,920 6,088 SH   DFND   300 0 5,788
ISHARES SELECT DIVID ETF 464287168   594,959 4,830 SH   SOLE   4,830 0 0
ISHARES CORE S&P500 ETF 464287200   1,458,901 2,775 SH   DFND   0 0 2,775
ISHARES CORE S&P500 ETF 464287200   387,463 737 SH   SOLE   737 0 0
ISHARES IBOXX INV CP ETF 464287242   1,191,585 10,940 SH   SOLE   10,712 0 228
ISHARES GBL COMM SVC ETF 464287275   33,656 400 SH   DFND   400 0 0
ISHARES S&P 500 GRWT ETF 464287309   778,283 9,217 SH   SOLE   9,217 0 0
ISHARES GLOB HLTHCRE ETF 464287325   270,135 2,900 SH   DFND   2,900 0 0
ISHARES GLOBAL ENERG ETF 464287341   206,160 4,800 SH   DFND   4,800 0 0
ISHARES S&P 500 VAL ETF 464287408   124,976 669 SH   SOLE   669 0 0
ISHARES ISHARES BIOTECH 464287556   102,915 750 SH   DFND   750 0 0
ISHARES RUSSELL 2000 ETF 464287655   620,806 2,952 SH   DFND   0 0 2,952
ISHARES RUSSELL 2000 ETF 464287655   229,648 1,092 SH   SOLE   1,092 0 0
ISHARES SP SMCP600VL ETF 464287879   923,504 8,987 SH   SOLE   7,987 0 1,000
ISHARES SHORT TREAS BD 464288679   99,486 900 SH   DFND   900 0 0
ISHARES EAFE VALUE ETF 464288877   490 9 SH   DFND   0 0 9
ISHARES EAFE VALUE ETF 464288877   17,245 317 SH   SOLE   317 0 0
ISHARES ISHARES 46428Q109   68,250 3,000 SH   DFND   0 0 3,000
ISHARES ISHARES 46428Q109   105,378 4,632 SH   SOLE   4,632 0 0
ISHARES CORE MSCI EAFE 46432F842   642,523 8,657 SH   DFND   1,216 0 7,441
ISHARES CORE MSCI EAFE 46432F842   265,262 3,574 SH   SOLE   3,574 0 0
ISHARES GOLD TRUST ISHARES NEW 464285204   61,041 1,453 SH   SOLE   1,453 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689   776,703 10,958 SH   SOLE   10,958 0 0
ISHARES TRUST TIPS BD ETF 464287176   13,748 128 SH   DFND   0 0 128
ISHARES TRUST GLOBAL TECH ETF 464287291   336,645 4,500 SH   DFND   4,500 0 0
ISHARES TRUST GLOBAL TECH ETF 464287291   273,805 3,660 SH   SOLE   3,660 0 0
ISHARES TRUST 1 3 YR TREAS BD 464287457   429,263 5,249 SH   DFND   5,249 0 0
ISHARES TRUST 1 3 YR TREAS BD 464287457   4,284,045 52,385 SH   SOLE   51,530 0 855
ISHARES TRUST GL TIMB FORE ETF 464288174   42,190 500 SH   DFND   500 0 0
ISHARES TRUST GL CLEAN ENE ETF 464288224   71,298 5,100 SH   SOLE   5,100 0 0
ISHARES TRUST IBOXX HI YD ETF 464288513   2,410 31 SH   SOLE   31 0 0
ISHARES/USA NATIONAL MUN ETF 464288414   726,300 6,750 SH   DFND   0 0 6,750
ISHARES/USA NATIONAL MUN ETF 464288414   209,282 1,945 SH   SOLE   1,945 0 0
ITRON INC COM 465741106   32,382 350 SH   DFND   300 0 50
ITT Inc COM 45073V108   1,360 10 SH   DFND   0 0 10
Ingevity Corp COM 45688C107   71,550 1,500 SH   DFND   0 0 1,500
Instructure Holdings Inc COM 457790103   6,414 300 SH   DFND   300 0 0
Intel Corp COM 458140100   764,097 17,299 SH   DFND   2,349 0 14,950
Intel Corp COM 458140100   1,333,360 30,187 SH   SOLE   27,182 0 3,005
International Paper Co COM 460146103   79,991 2,050 SH   DFND   0 0 2,050
International Paper Co COM 460146103   50,726 1,300 SH   SOLE   1,300 0 0
Interpublic Group of Cos Inc/T COM 460690100   89,733 2,750 SH   DFND   0 0 2,750
Intuitive Surgical Inc COM NEW 46120E602   13,569 34 SH   DFND   25 0 9
Intuitive Surgical Inc COM NEW 46120E602   7,744,341 19,405 SH   SOLE   18,818 0 587
Invesco ETFs/USA UNIT SER 1 46090E103   695,764 1,567 SH   DFND   0 0 1,567
Invesco ETFs/USA UNIT SER 1 46090E103   242,873 547 SH   SOLE   547 0 0
Invesco ETFs/USA OPTIMUM YIELD 46090F100   5,395 389 SH   SOLE   389 0 0
Invesco ETFs/USA INDIA ETF 46137R109   64,152 2,400 SH   DFND   2,400 0 0
Invesco ETFs/USA WILDERHIL CLAN 46137V134   2,305 100 SH   DFND   100 0 0
Invesco ETFs/USA S&P500 EQL HLT 46137V332   31,790 1,000 SH   DFND   1,000 0 0
Invesco ETFs/USA S&P500 EQL ENR 46137V365   99,696 1,200 SH   DFND   1,200 0 0
Invesco ETFs/USA S&P 500 GARP ETF 46137V431   9,691 91 SH   SOLE   91 0 0
Invesco ETFs/USA NASDAQ INTERNT 46137V530   19,945 500 SH   DFND   500 0 0
Invesco ETFs/USA AI AND NEXT GEN 46137V639   13,572 300 SH   DFND   300 0 0
Invesco ETFs/USA PHARMACEUTICALS 46137V662   48,096 600 SH   DFND   600 0 0
Invesco ETFs/USA DORSEY WRGT TECH 46137V811   8,607 150 SH   SOLE   150 0 0
Invesco ETFs/USA S&P GBL WATER 46138E263   111,060 2,000 SH   DFND   2,000 0 0
Invesco ETFs/USA S&P500 LOW VOL 46138E354   923,036 14,013 SH   SOLE   14,013 0 0
Invesco ETFs/USA PFD ETF 46138E511   20,944 1,763 SH   DFND   0 0 1,763
Invesco ETFs/USA PFD ETF 46138E511   33,561 2,825 SH   SOLE   2,825 0 0
Invesco ETFs/USA None 46138E529   15,963 693 SH   SOLE   693 0 0
Invesco ETFs/USA S&P SMALLCAP 600 46138G664   3,853 90 SH   DFND   0 0 90
Invesco ETFs/USA S&P SMALLCAP 600 46138G664   38,914 909 SH   SOLE   909 0 0
Invesco ETFs/USA S&P 500 REVENUE 46138G698   68,423 730 SH   DFND   70 0 660
Invesco ETFs/USA S&P 500 REVENUE 46138G698   3,952,407 42,168 SH   SOLE   41,586 0 582
Iron Mountain Inc COM 46284V101   962,520 12,000 SH   DFND   0 0 12,000
JP Morgan ETFs/USA NASDAQ EQT PREM 46654Q203   10,848 200 SH   DFND   0 0 200
JPMorgan Chase & Co COM 46625H100   834,250 4,165 SH   DFND   1,641 0 2,524
JPMorgan Chase & Co COM 46625H100   15,001,669 74,896 SH   SOLE   72,412 0 2,484
Jacobs Solutions Inc COM 46982L108   8,301 54 SH   SOLE   54 0 0
Johnson & Johnson COM 478160104   2,038,595 12,887 SH   DFND   1,853 0 11,034
Johnson & Johnson COM 478160104   3,377,515 21,351 SH   SOLE   20,951 0 400
Johnson Controls International SHS G51502105   13,978 214 SH   DFND   0 0 214
Johnson Controls International SHS G51502105   3,593 55 SH   SOLE   55 0 0
KIMBERLY-CLARK CP COM 494368103   310,569 2,401 SH   DFND   0 0 2,401
KIMBERLY-CLARK CP COM 494368103   6,816,098 52,695 SH   SOLE   51,797 0 898
KIMCO REALTY COM 49446R109   17,649 900 SH   DFND   0 0 900
KLA Corp COM NEW 482480100   117,360 168 SH   SOLE   168 0 0
KNIFE RIV HOL CO. COMMON STOCK 498894104   42,567 525 SH   DFND   525 0 0
Kellanova COM 487836108   2,750 48 SH   DFND   0 0 48
Kellanova COM 487836108   74,477 1,300 SH   SOLE   1,300 0 0
Keysight Technologies Inc COM 49338L103   669,932 4,284 SH   SOLE   4,284 0 0
Kinder Morgan Inc COM 49456B101   36,680 2,000 SH   DFND   0 0 2,000
Kinder Morgan Inc COM 49456B101   1,577 86 SH   SOLE   86 0 0
Kingdom of Norway Ministry of SPONSORED ADR 29446M102   2,703 100 SH   DFND   100 0 0
Kraft Heinz Co/The COM 500754106   29,151 790 SH   DFND   0 0 790
KraneShares ETFs/USA QUADRTC INT RT 500767736   21,392 1,130 SH   DFND   0 0 1,130
Kyndryl Holdings Inc COMMON STOCK 50155Q100   14,188 652 SH   DFND   0 0 652
Kyndryl Holdings Inc COMMON STOCK 50155Q100   870 40 SH   SOLE   40 0 0
L3Harris Technologies Inc COM 502431109   91,633 430 SH   DFND   0 0 430
LEAP THERAPEUTICS INC COM NEW 52187K200   319 120 SH   DFND   120 0 0
LOWE'S COS INC COM 548661107   240,210 943 SH   DFND   248 0 695
LOWE'S COS INC COM 548661107   1,105,019 4,338 SH   SOLE   2,110 0 2,228
LULULEMON ATHLETIC COM 550021109   54,691 140 SH   DFND   0 0 140
Laboratory Corp of America Hol COM NEW 50540R409   218,460 1,000 SH   DFND   0 0 1,000
Laboratory Corp of America Hol COM NEW 50540R409   1,311 6 SH   SOLE   6 0 0
Lamar Advertising Co CL A 512816109   716 6 SH   SOLE   6 0 0
Lamb Weston Holdings Inc COM 513272104   28,337 266 SH   DFND   0 0 266
Leggett & Platt Inc COM 524660107   15,320 800 SH   DFND   800 0 0
Linde PLC SHS G54950103   132,796 286 SH   DFND   0 0 286
Linde PLC SHS G54950103   53,861 116 SH   SOLE   116 0 0
Lindsay Corp COM 535555106   58,830 500 SH   DFND   500 0 0
Listed Funds Trust ROUNDHILL SPORTS 53656F789   7,141 400 SH   DFND   400 0 0
Lockheed Martin Corp COM 539830109   20,924 46 SH   DFND   0 0 46
Lockheed Martin Corp COM 539830109   31,841 70 SH   SOLE   70 0 0
Loews Corp COM 126117100   27,252 600 SH   DFND   0 0 600
Lumentum Holdings Inc COM 55024U109   14,205 300 SH   DFND   200 0 100
M&T Bank Corp COM 55261F104   75,338 518 SH   DFND   0 0 518
M&T Bank Corp COM 55261F104   137,150 943 SH   SOLE   943 0 0
MARATHON OIL CORP COM 565849106   55,943 1,974 SH   DFND   0 0 1,974
MARSH & MCLENNAN COM 571748102   127,296 618 SH   SOLE   618 0 0
MARTIN MARIETTA M. COM 573284106   15,349 25 SH   SOLE   25 0 0
MASTERCARD INC CL A 57636Q104   134,358 279 SH   DFND   112 0 167
MASTERCARD INC CL A 57636Q104   10,485,224 21,773 SH   SOLE   21,108 0 665
MATTEL INC COM 577081102   1,981 100 SH   DFND   0 0 100
MCDONALD'S CORP COM 580135101   1,768,672 6,273 SH   DFND   526 0 5,747
MCDONALD'S CORP COM 580135101   11,267,850 39,964 SH   SOLE   39,423 0 541
MCKESSON CORP COM 58155Q103   459,007 855 SH   SOLE   630 0 225
MDC Holdings Inc COM 552676108   41,521 660 SH   DFND   0 0 660
MDU RES GROUP INC COM 552690109   68,040 2,700 SH   DFND   2,700 0 0
MDU RES GROUP INC COM 552690109   42,941 1,704 SH   SOLE   1,704 0 0
MICROSOFT CORP COM 594918104   9,853,262 23,420 SH   DFND   1,032 0 22,388
MICROSOFT CORP COM 594918104   36,610,213 87,018 SH   SOLE   83,071 0 3,947
MOLSON COORS BREWING CO CL B 60871R209   100,875 1,500 SH   DFND   0 0 1,500
MOODYS CORP COM 615369105   58,955 150 SH   DFND   150 0 0
MORGAN STANLEY COM NEW 617446448   94,160 1,000 SH   DFND   0 0 1,000
MSC Industrial Direct Co Inc CL A 553530106   155,264 1,600 SH   DFND   0 0 1,600
MYRIAD GENETICS IN COM 62855J104   17,909 840 SH   SOLE   840 0 0
Macerich Co/The COM 554382101   121,385 7,045 SH   DFND   0 0 7,045
Marathon Petroleum Corp COM 56585A102   327,236 1,624 SH   DFND   0 0 1,624
Marathon Petroleum Corp COM 56585A102   10,277 51 SH   SOLE   51 0 0
Marriott International Inc/MD CL A 571903202   247,011 979 SH   SOLE   979 0 0
Masco Corp COM 574599106   276,080 3,500 SH   DFND   0 0 3,500
Medtronic PLC SHS G5960L103   146,063 1,676 SH   DFND   0 0 1,676
Medtronic PLC SHS G5960L103   34,250 393 SH   SOLE   393 0 0
Merck & Co Inc COM 58933Y105   665,556 5,044 SH   DFND   1,126 0 3,918
Merck & Co Inc COM 58933Y105   12,438,399 94,266 SH   SOLE   92,676 0 1,590
MetLife Inc COM 59156R108   111,165 1,500 SH   DFND   0 0 1,500
MetLife Inc COM 59156R108   18,602 251 SH   SOLE   251 0 0
Meta Platforms Inc CL A 30303M102   102,457 211 SH   DFND   36 0 175
Meta Platforms Inc CL A 30303M102   236,963 488 SH   SOLE   488 0 0
Microchip Technology Inc COM 595017104   294,249 3,280 SH   DFND   0 0 3,280
Microchip Technology Inc COM 595017104   327,352 3,649 SH   SOLE   3,649 0 0
Micron Technology Inc COM 595112103   4,126 35 SH   DFND   0 0 35
Moderna Inc COM 60770K107   1,066 10 SH   DFND   0 0 10
Mondelez International Inc CL A 609207105   133,630 1,909 SH   DFND   0 0 1,909
Mondelez International Inc CL A 609207105   126,000 1,800 SH   SOLE   1,800 0 0
Monroe Capital Corp COM 610335101   62,726 8,712 SH   DFND   0 0 8,712
NBT Bancorp Inc COM 628778102   1,198,446 32,673 SH   DFND   0 0 32,673
NBT Bancorp Inc COM 628778102   402,013 10,960 SH   SOLE   10,960 0 0
NET Lease Office Properties None 64110Y108   6,307 265 SH   SOLE   265 0 0
NEXTERA ENERGY COM 65339F101   136,384 2,134 SH   DFND   0 0 2,134
NEXTERA ENERGY COM 65339F101   453,314 7,093 SH   SOLE   7,093 0 0
NIKE INC CL B 654106103   202,997 2,160 SH   DFND   0 0 2,160
NIKE INC CL B 654106103   348,854 3,712 SH   SOLE   2,412 0 1,300
NORTHERN TRUST CORP COM 665859104   88,920 1,000 SH   DFND   0 0 1,000
NVIDIA Corp COM 67066G104   18,071 20 SH   DFND   0 0 20
NVIDIA Corp COM 67066G104   20,939,099 23,174 SH   SOLE   21,160 0 2,014
National Amusements Inc CLASS B COM 92556H206   306 26 SH   DFND   0 0 26
National Fuel Gas Co COM 636180101   680,794 12,673 SH   SOLE   12,673 0 0
Neos ETF Trust NEOS S&P 500 HI 78433H303   10,072 200 SH   DFND   0 0 200
New Jersey Resources Corp COM 646025106   12,873 300 SH   DFND   300 0 0
New York Times Co/The CL A 650111107   9,725 225 SH   SOLE   225 0 0
Nokia Oyj SPONSORED ADR 654902204   708 200 SH   SOLE   200 0 0
Norfolk Southern Corp COM 655844108   165,666 650 SH   SOLE   650 0 0
Novartis AG SPONSORED ADR 66987V109   175,081 1,810 SH   DFND   1,250 0 560
Novartis AG SPONSORED ADR 66987V109   112,497 1,163 SH   SOLE   1,163 0 0
Novocure Ltd ORD SHS G6674U108   1,563 100 SH   DFND   0 0 100
Nucor Corp COM 670346105   9,895 50 SH   DFND   0 0 50
Nucor Corp COM 670346105   20,582 104 SH   SOLE   104 0 0
Nuveen Closed-End Funds/USA COM 67066X107   115,030 10,505 SH   SOLE   10,505 0 0
OCCIDENTAL PETROLEUM CORP *W EXP 08/03/202 674599162   10,090 234 SH   DFND   0 0 234
OGE Energy Corp COM 670837103   24,010 700 SH   DFND   600 0 100
OMNICOM GROUP INC COM 681919106   142,140 1,469 SH   DFND   0 0 1,469
OMNICOM GROUP INC COM 681919106   5,612 58 SH   SOLE   58 0 0
ORACLE CORP COM 68389X105   297,319 2,367 SH   DFND   2,367 0 0
ORACLE CORP COM 68389X105   1,153,100 9,180 SH   SOLE   6,705 0 2,475
Occidental Petroleum Corp COM 674599105   121,921 1,876 SH   DFND   0 0 1,876
OceanFirst Financial Corp COM 675234108   19,692 1,200 SH   DFND   1,200 0 0
Organon & Co COMMON STOCK 68622V106   44,876 2,387 SH   DFND   0 0 2,387
Organon & Co COMMON STOCK 68622V106   470 25 SH   SOLE   25 0 0
Otis Worldwide Corp COM 68902V107   11,615 117 SH   DFND   0 0 117
Otis Worldwide Corp COM 68902V107   9,927 100 SH   SOLE   100 0 0
Ovintiv Inc COM 69047Q102   15,259 294 SH   DFND   0 0 294
Owens & Minor Inc COM 690732102   1,386 50 SH   DFND   0 0 50
Oxford Lane Closed End Funds/U COM 691543102   81,280 16,000 SH   DFND   0 0 16,000
PARKER-HANNIFIN COM 701094104   1,112 2 SH   SOLE   2 0 0
PEPSICO INC COM 713448108   958,355 5,476 SH   DFND   1,139 0 4,337
PEPSICO INC COM 713448108   9,791,634 55,949 SH   SOLE   54,519 0 1,430
PG&E CORP COM 69331C108   5,028 300 SH   DFND   0 0 300
PHILIP MORRIS INTL COM 718172109   416,871 4,550 SH   DFND   0 0 4,550
PHILIP MORRIS INTL COM 718172109   180,400 1,969 SH   SOLE   1,969 0 0
PIMCO Funds/Closed-End/USA COM BEN SHS 69355M107   13,499 1,025 SH   DFND   0 0 1,025
PIMCO Funds/Closed-End/USA SHS 72201Y101   17,940 930 SH   DFND   0 0 930
PNC Financial Services Group I COM 693475105   409,494 2,534 SH   DFND   0 0 2,534
PNC Financial Services Group I COM 693475105   808 5 SH   SOLE   5 0 0
PPG Industries Inc COM 693506107   221,407 1,528 SH   DFND   626 0 902
PPG Industries Inc COM 693506107   26,372 182 SH   SOLE   182 0 0
PPL CORP COM 69351T106   5,506 200 SH   SOLE   200 0 0
PRUDENTIAL FINL COM 744320102   8,570 73 SH   DFND   0 0 73
PRUDENTIAL FINL COM 744320102   2,465 21 SH   SOLE   21 0 0
Pacific Biosciences of Califor COM 69404D108   469 125 SH   SOLE   125 0 0
Pacific Investment Management Co LLC COM 72201B101   12,640 850 SH   DFND   0 0 850
Pacific Investment Management Co LLC SHS BENFIN INT 72203T100   10,618 675 SH   DFND   0 0 675
Palantir Technologies Inc CL A 69608A108   11,505 500 SH   SOLE   500 0 0
PayPal Holdings Inc COM 70450Y103   27,533 411 SH   DFND   363 0 48
PayPal Holdings Inc COM 70450Y103   42,941 641 SH   SOLE   641 0 0
Paychex Inc COM 704326107   187,638 1,528 SH   DFND   0 0 1,528
Paychex Inc COM 704326107   1,365,413 11,119 SH   SOLE   11,119 0 0
Perrigo Co PLC SHS G97822103   16,900 525 SH   SOLE   525 0 0
Pfizer Inc COM 717081103   846,791 30,515 SH   DFND   4,400 0 26,115
Pfizer Inc COM 717081103   436,202 15,719 SH   SOLE   15,719 0 0
Phillips 66 COM 718546104   203,195 1,244 SH   DFND   0 0 1,244
Pimco ETFs/USA ACTIVE BD ETF 72201R775   37,387 407 SH   SOLE   407 0 0
Plug Power Inc COM NEW 72919P202   413 120 SH   DFND   0 0 120
Plug Power Inc COM NEW 72919P202   516 150 SH   SOLE   150 0 0
Portland General Electric Co COM NEW 736508847   25,200 600 SH   DFND   600 0 0
ProShare Advisors LLC S&P 500 DV ARIST 74348A467   2,028 20 SH   DFND   0 0 20
Procter & Gamble Co/The COM 742718109   6,058,415 37,340 SH   DFND   0 0 37,340
Procter & Gamble Co/The COM 742718109   2,263,225 13,949 SH   SOLE   12,924 0 1,025
Prologis Inc COM 74340W103   1,563 12 SH   SOLE   12 0 0
Public Service Enterprise Grou COM 744573106   73,191 1,096 SH   DFND   98 0 998
Public Service Enterprise Grou COM 744573106   8,853,359 132,575 SH   SOLE   130,998 0 1,577
Public Storage COM 74460D109   24,655 85 SH   DFND   81 0 4
Public Storage COM 74460D109   7,006,979 24,157 SH   SOLE   23,777 0 380
QUALCOMM Inc COM 747525103   448,645 2,650 SH   DFND   0 0 2,650
QUALCOMM Inc COM 747525103   1,185 7 SH   SOLE   7 0 0
Quest Diagnostics Inc COM 74834L100   6,922 52 SH   SOLE   52 0 0
REALTY INCOME CORP COM 756109104   94,675 1,750 SH   DFND   0 0 1,750
RESTAURANT BRANDS INTERNATIONA COM 76131D103   79,450 1,000 SH   DFND   0 0 1,000
RLJ LODGING TRUST CUM CONV PFD A 74965L200   6,123 250 SH   DFND   0 0 250
RMR Group Inc/The CL A 74967R106   1,176 49 SH   DFND   0 0 49
ROBLOX Corp CL A 771049103   3,818 100 SH   SOLE   100 0 0
ROCKWELL AUTOMATION COM 773903109   150,326 516 SH   DFND   316 0 200
ROCKWELL AUTOMATION COM 773903109   7,283 25 SH   SOLE   25 0 0
RTX Corp COM 75513E101   469,509 4,814 SH   DFND   817 0 3,997
RTX Corp COM 75513E101   22,432 230 SH   SOLE   230 0 0
Ralph Lauren Corp CL A 751212101   152,086 810 SH   DFND   0 0 810
Regency Centers Corp COM 758849103   88,418 1,460 SH   DFND   0 0 1,460
Resideo Technologies Inc COM 76118Y104   135 6 SH   SOLE   6 0 0
Rio Tinto PLC SPONSORED ADR 767204100   152,976 2,400 SH   DFND   0 0 2,400
Rivian Automotive Inc COM CL A 76954A103   164 15 SH   DFND   0 0 15
Rivian Automotive Inc COM CL A 76954A103   1,916 175 SH   SOLE   175 0 0
Royal Bank of Canada COM 780087102   242,112 2,400 SH   DFND   0 0 2,400
S&P Global Inc COM 78409V104   119,126 280 SH   SOLE   280 0 0
SACHEM CAPITAL CORP COM 78590A109   12,577 2,820 SH   DFND   0 0 2,820
SALESFORCE.COM INC COM 79466L302   171,974 571 SH   DFND   21 0 550
SANDSTORM GOLD LTD COM NEW 80013R206   6,300 1,200 SH   DFND   0 0 1,200
SELECT SECTOR SPDR SBI MATERIALS 81369Y100   9,289 100 SH   SOLE   100 0 0
SELECT SECTOR SPDR SBI HEALTHCARE 81369Y209   37,080 251 SH   SOLE   251 0 0
SELECT SECTOR SPDR SBI CONS STPLS 81369Y308   124,696 1,633 SH   SOLE   1,633 0 0
SELECT SECTOR SPDR SBI CONS DISCR 81369Y407   58,293 317 SH   SOLE   317 0 0
SELECT SECTOR SPDR ENERGY 81369Y506   113,292 1,200 SH   DFND   1,200 0 0
SELECT SECTOR SPDR ENERGY 81369Y506   4,721 50 SH   SOLE   50 0 0
SELECT SECTOR SPDR FINANCIAL 81369Y605   65,876 1,564 SH   SOLE   1,564 0 0
SELECT SECTOR SPDR TECHNOLOGY 81369Y803   1,782,791 8,560 SH   DFND   400 0 8,160
SELECT SECTOR SPDR TECHNOLOGY 81369Y803   10,622 51 SH   SOLE   51 0 0
SELECT SECTOR SPDR SBI INT-UTILS 81369Y886   2,298 35 SH   SOLE   35 0 0
SMUCKER(JM)CO COM NEW 832696405   29,579 235 SH   DFND   0 0 235
SNAP INC CL A 83304A106   115 10 SH   DFND   0 0 10
SPDR DOW JONES IND UT SER 1 78467X109   1,067,986 2,685 SH   DFND   0 0 2,685
SPDR GOLD TRUST GOLD SHS 78463V107   10,286 50 SH   SOLE   50 0 0
SPDR SERIES TRUST BBG CONV SEC ETF 78464A359   95,536 1,308 SH   SOLE   1,308 0 0
SPDR SERIES TRUST DJ REIT ETF 78464A607   18,850 200 SH   DFND   200 0 0
SPDR SERIES TRUST S&P REGL BKG 78464A698   90,504 1,800 SH   SOLE   1,800 0 0
SPROTT ASSET MANAGEMENT LP/CAN UNIT 85207H104   743,900 43,000 SH   DFND   43,000 0 0
SSGA FUNDS MANAGEMENT INC NYSE TECH ETF 78464A102   91,194 500 SH   DFND   500 0 0
SSGA FUNDS MANAGEMENT INC PRTFLO S&P500 VL 78464A508   852 17 SH   DFND   0 0 17
SSGA FUNDS MANAGEMENT INC PRTFLO S&P500 VL 78464A508   852 17 SH   SOLE   17 0 0
SSGA FUNDS MANAGEMENT INC PORTFOLIO S&P400 78464A847   31,471 590 SH   SOLE   590 0 0
SSGA FUNDS MANAGEMENT INC BLOOMBERG SHT TE 78468R408   51,726 2,051 SH   SOLE   2,051 0 0
SSGA FUNDS MANAGEMENT INC PORTFLI HIGH YLD 78468R606   51,894 2,212 SH   SOLE   2,212 0 0
SSGA Funds Management Inc S&P DIVID ETF 78464A763   89,899 685 SH   DFND   400 0 285
SSGA Funds Management Inc S&P DIVID ETF 78464A763   186,361 1,420 SH   SOLE   1,420 0 0
SSgA Funds Management Inc PRTFLO S&P500 GW 78464A409   805 11 SH   SOLE   11 0 0
SSgA Funds Management Inc S&P 400 MDCP VAL 78464A839   456 6 SH   DFND   0 0 6
SSgA Funds Management Inc S&P BIOTECH 78464A870   47,445 500 SH   DFND   500 0 0
SSgA Funds Management Inc S&P BIOTECH 78464A870   9,489 100 SH   SOLE   100 0 0
STARBUCKS CORP COM 855244109   11,789 129 SH   DFND   57 0 72
STARBUCKS CORP COM 855244109   3,306,673 36,182 SH   SOLE   34,893 0 1,289
STATE STREET ETF/USA UTSER1 S&PDCRP 78467Y107   1,059,386 1,904 SH   DFND   0 0 1,904
SUNPOWER CORP COM 867652406   150 50 SH   DFND   0 0 50
Sarepta Therapeutics Inc COM 803607100   20,973 162 SH   SOLE   162 0 0
Schlumberger NV COM STK 806857108   301,455 5,500 SH   DFND   1,900 0 3,600
Schlumberger NV COM STK 806857108   5,481 100 SH   SOLE   100 0 0
Schwab ETFs/USA US REIT ETF 808524847   22,452 1,106 SH   SOLE   1,106 0 0
Selective Insurance Group Inc COM 816300107   156,986 1,438 SH   SOLE   1,438 0 0
Shake Shack Inc CL A 819047101   5,202 50 SH   DFND   0 0 50
Shell PLC SPON ADS 780259305   216,539 3,230 SH   DFND   0 0 3,230
Sherwin-Williams Co/The COM 824348106   3,126 9 SH   SOLE   9 0 0
Skyworks Solutions Inc COM 83088M102   10,832 100 SH   DFND   0 0 100
Snap-on Inc COM 833034101   134,780 455 SH   DFND   0 0 455
Snowflake Inc CL A 833445109   16,160 100 SH   DFND   100 0 0
Sony Group Corp SPONSORED ADR 835699307   4,287 50 SH   DFND   0 0 50
Southern Co/The COM 842587107   39,816 555 SH   DFND   0 0 555
Southern Co/The COM 842587107   138,386 1,929 SH   SOLE   1,929 0 0
Sprott Asset Management CEFs TR UNIT 85207K107   518,962 62,601 SH   DFND   62,601 0 0
Sprott Asset Management CEFs TR UNIT 85208R101   589,860 29,000 SH   DFND   29,000 0 0
Stanley Black & Decker Inc COM 854502101   130,247 1,330 SH   DFND   0 0 1,330
Stanley Black & Decker Inc COM 854502101   141,313 1,443 SH   SOLE   1,443 0 0
State Street Corp COM 857477103   40,980 530 SH   DFND   200 0 330
State Street Corp COM 857477103   11,598 150 SH   SOLE   150 0 0
State Street ETF/USA TR UNIT 78462F103   2,306,216 4,409 SH   DFND   647 0 3,762
State Street ETF/USA TR UNIT 78462F103   1,795,699 3,433 SH   SOLE   3,433 0 0
State Street ETF/USA S&P INTL SMLCP 78463X871   45,472 1,400 SH   DFND   1,400 0 0
State Street ETF/USA S&P 600 SMCP GRW 78464A201   17,446 200 SH   DFND   200 0 0
State Street ETF/USA S&P RETAIL ETF 78464A714   47,394 600 SH   DFND   600 0 0
State Street ETF/USA S&P RETAIL ETF 78464A714   7,899 100 SH   SOLE   100 0 0
State Street ETF/USA S&P SEMICNDCTR 78464A862   23,210 100 SH   DFND   100 0 0
State Street ETF/USA BLOOMBERG HIGH Y 78468R622   29,512 310 SH   SOLE   310 0 0
State Street ETF/USA BLOOMBERG 1-3 MO 78468R663   9,731 106 SH   DFND   106 0 0
State Street ETF/USA BLOOMBERG 1-3 MO 78468R663   5,476,788 59,660 SH   SOLE   59,642 0 18
State Street ETF/USA PRTFLO S&P500 HI 78468R788   109,917 2,700 SH   SOLE   2,700 0 0
State Street ETF/USA BLOOMBERG 1 10 Y 78468R861   5,965 320 SH   SOLE   320 0 0
State Street ETF/USA INDL 81369Y704   49,376 392 SH   SOLE   392 0 0
State Street ETF/USA COMMUNICATION 81369Y852   4,981 61 SH   SOLE   61 0 0
Stryker Corp COM 863667101   301,327 842 SH   DFND   524 0 318
Stryker Corp COM 863667101   5,666,871 15,835 SH   SOLE   15,049 0 786
Summit Materials Inc CL A 86614U100   45,283 1,016 SH   DFND   1,016 0 0
Synopsys Inc COM 871607107   4,015,931 7,027 SH   SOLE   6,594 0 433
Sysco Corp COM 871829107   730,620 9,000 SH   DFND   300 0 8,700
Sysco Corp COM 871829107   11,690 144 SH   SOLE   144 0 0
TE Connectivity Ltd SHS H84989104   31,953 220 SH   DFND   50 0 170
TEKLA HEALTHCARE SH BEN INT 87911J103   7,840 465 SH   DFND   0 0 465
TEKLA WORLD HEALTH BEN INT SHS 87911L108   8,467 640 SH   DFND   0 0 640
TEXAS INSTRUMENTS COM 882508104   374,552 2,150 SH   DFND   0 0 2,150
TEXAS INSTRUMENTS COM 882508104   182,572 1,048 SH   SOLE   1,048 0 0
TIDEWATER INC *W EXP 11/14/202 88642R174   20 2 SH   DFND   0 0 2
TJX Cos Inc/The COM 872540109   176,268 1,738 SH   DFND   90 0 1,648
TJX Cos Inc/The COM 872540109   9,647,578 95,125 SH   SOLE   90,411 0 4,714
TORONTO-DOMINION COM NEW 891160509   72,456 1,200 SH   DFND   0 0 1,200
TRAVELERS CO INC COM 89417E109   69,042 300 SH   DFND   0 0 300
TRAVELERS CO INC COM 89417E109   55,234 240 SH   SOLE   240 0 0
TSMC SPONSORED ADS 874039100   183,668 1,350 SH   DFND   1,350 0 0
Target Corp COM 87612E106   340,243 1,920 SH   DFND   0 0 1,920
Target Corp COM 87612E106   321,636 1,815 SH   SOLE   1,815 0 0
Teradyne Inc COM 880770102   781,912 6,930 SH   SOLE   6,930 0 0
Tesla Inc COM 88160R101   201,455 1,146 SH   DFND   0 0 1,146
Tesla Inc COM 88160R101   31,642 180 SH   SOLE   180 0 0
Teva Pharmaceutical Industries SPONSORED ADS 881624209   14,816 1,050 SH   SOLE   1,050 0 0
Thermo Fisher Scientific Inc COM 883556102   594,578 1,023 SH   DFND   523 0 500
Thermo Fisher Scientific Inc COM 883556102   330,708 569 SH   SOLE   569 0 0
Tompkins Financial Corp COM 890110109   35,326,663 702,459 SH   DFND   0 0 702,459
Tompkins Financial Corp COM 890110109   24,009,904 477,429 SH   SOLE   0 0 477,429
TriplePoint Venture Growth BDC COM 89677Y100   13,746 1,450 SH   DFND   0 0 1,450
Truist Financial Corp COM 89832Q109   117,135 3,005 SH   DFND   0 0 3,005
Tyson Foods Inc CL A 902494103   58,084 989 SH   SOLE   989 0 0
UGI Corp COM 902681105   61,939 2,524 SH   SOLE   2,524 0 0
US Bancorp COM NEW 902973304   1,833 41 SH   SOLE   41 0 0
USA Compression Partners LP COMUNIT LTDPAR 90290N109   13,335 500 SH   DFND   0 0 500
UTD PARCEL SERV CL B 911312106   144,171 970 SH   DFND   310 0 660
UTD PARCEL SERV CL B 911312106   7,920,493 53,290 SH   SOLE   52,347 0 943
Unilever PLC SPON ADR NEW 904767704   5,019 100 SH   SOLE   100 0 0
Union Pacific Corp COM 907818108   174,118 708 SH   DFND   0 0 708
Union Pacific Corp COM 907818108   220,599 897 SH   SOLE   897 0 0
United States Steel Corp COM 912909108   8,156 200 SH   SOLE   200 0 0
UnitedHealth Group Inc COM 91324P102   494,700 1,000 SH   DFND   0 0 1,000
UnitedHealth Group Inc COM 91324P102   335,407 678 SH   SOLE   678 0 0
Universal Health Services Inc CL B 913903100   114,950 630 SH   SOLE   630 0 0
Universal Insurance Holdings I COM 91359V107   221,427 10,897 SH   SOLE   10,897 0 0
V2X Inc COM 92242T101   47 1 SH   DFND   0 0 1
VANECK VECTORS ETF MRNGSTR WDE MOAT 92189F643   72,010 801 SH   DFND   801 0 0
VANECK VECTORS ETF MRNGSTR WDE MOAT 92189F643   29,978,054 333,460 SH   SOLE   333,087 0 373
VANECK VECTORS ETF AGRIBUSINESS ETF 92189F700   75,130 1,000 SH   DFND   1,000 0 0
VANECK VECTORS ETF VANECK VIETNAM 92189F817   16,680 1,200 SH   DFND   1,200 0 0
VANGUARD S&P 500 ETF SHS 922908363   645,580 1,343 SH   DFND   0 0 1,343
VANGUARD S&P 500 ETF SHS 922908363   9,163,103 19,062 SH   SOLE   18,773 0 289
VANGUARD ETF/USA DIV APP ETF 921908844   73,044 400 SH   DFND   400 0 0
VANGUARD ETF/USA LONG TERM BOND 921937793   39,203 542 SH   SOLE   542 0 0
VANGUARD ETF/USA STRM INFPROIDX 922020805   21,646 452 SH   DFND   400 0 52
VANGUARD ETF/USA GLB EX US ETF 922042676   16,856 400 SH   DFND   400 0 0
VANGUARD ETF/USA GLB EX US ETF 922042676   5,352 127 SH   SOLE   127 0 0
VANGUARD ETF/USA TT WRLD ST ETF 922042742   90,500 819 SH   SOLE   819 0 0
VANGUARD ETF/USA FTSE EMR MKT ETF 922042858   20,885 500 SH   DFND   500 0 0
VANGUARD ETF/USA FTSE EMR MKT ETF 922042858   25,647 614 SH   SOLE   614 0 0
VANGUARD ETF/USA INF TECH ETF 92204A702   112,733 215 SH   DFND   200 0 15
VANGUARD ETF/USA VNG RUS1000GRW 92206C680   46,975 542 SH   SOLE   542 0 0
VANGUARD ETF/USA INT-TERM CORP 92206C870   242 3 SH   SOLE   3 0 0
VANGUARD ETF/USA SM CP VAL ETF 922908611   11,897 62 SH   SOLE   62 0 0
VANGUARD ETF/USA TOTAL STK MKT 922908769   1,108,733 4,266 SH   DFND   225 0 4,041
VANGUARD ETF/USA TOTAL STK MKT 922908769   238,848 919 SH   SOLE   919 0 0
VANGUARD GROUP INC/THE TOTAL INT BD ETF 92203J407   17,856 363 SH   SOLE   363 0 0
VANGUARD INTL EQUI FTSE EUROPE ETF 922042874   220,741 3,278 SH   SOLE   330 0 2,948
VANGUARD WHITEHALL HIGH DIV YLD 921946406   787,040 6,505 SH   SOLE   6,505 0 0
VERIZON COMMUN COM 92343V104   402,564 9,594 SH   DFND   276 0 9,318
VERIZON COMMUN COM 92343V104   1,274,157 30,366 SH   SOLE   30,366 0 0
VF Corp COM 918204108   660 43 SH   SOLE   43 0 0
VIATRIS INC COM 92556V106   17,301 1,449 SH   DFND   111 0 1,338
VIATRIS INC COM 92556V106   10,388 870 SH   SOLE   870 0 0
VISA INC COM CL A 92826C839   9,768 35 SH   DFND   0 0 35
VISA INC COM CL A 92826C839   250,614 898 SH   SOLE   898 0 0
Valero Energy Corp COM 91913Y100   2,560 15 SH   SOLE   15 0 0
Valvoline Inc COM 92047W101   420,919 9,444 SH   DFND   0 0 9,444
Van Eck Associates Corp JP MRGAN EM LOC 92189H300   11,691 477 SH   SOLE   477 0 0
VanEck ETFs/USA FALLEN ANGEL HG 92189F437   45,126 1,555 SH   DFND   0 0 1,555
VanEck ETFs/USA RARE EARTH/STRTG 92189H805   34,257 667 SH   DFND   667 0 0
VanEck ETFs/USA DIGI TRANSFRM 92189H821   3,495 300 SH   DFND   300 0 0
Vanguard ETF/USA 500 GRTH IDX F 921932505   2,015,047 6,613 SH   SOLE   6,613 0 0
Vanguard ETF/USA TOTAL BND MRKT 921937835   12,424,596 171,067 SH   SOLE   169,114 0 1,953
Vanguard ETF/USA VAN FTSE DEV MKT 921943858   158,337 3,156 SH   DFND   0 0 3,156
Vanguard ETF/USA VAN FTSE DEV MKT 921943858   16,872,372 336,304 SH   SOLE   335,440 0 864
Vanguard ETF/USA ENERGY ETF 92204A306   105,360 800 SH   DFND   800 0 0
Vanguard ETF/USA HEALTH CAR ETF 92204A504   54,104 200 SH   DFND   200 0 0
Vanguard ETF/USA HEALTH CAR ETF 92204A504   147,974 547 SH   SOLE   547 0 0
Vanguard ETF/USA UTILITIES ETF 92204A876   71,290 500 SH   DFND   500 0 0
Vanguard ETF/USA REAL ESTATE ETF 922908553   54,050 625 SH   DFND   200 0 425
Vanguard ETF/USA REAL ESTATE ETF 922908553   399,365 4,618 SH   SOLE   3,598 0 1,020
Vanguard ETF/USA SML CP GRW ETF 922908595   36,240 139 SH   SOLE   139 0 0
Vanguard ETF/USA MID CAP ETF 922908629   24,986 100 SH   DFND   100 0 0
Vanguard ETF/USA MID CAP ETF 922908629   110,688 443 SH   SOLE   443 0 0
Vanguard ETF/USA GROWTH ETF 922908736   53,007 154 SH   SOLE   154 0 0
Vanguard ETF/USA VALUE ETF 922908744   11,563 71 SH   SOLE   71 0 0
Vanguard ETF/USA SMALL CP ETF 922908751   138,297 605 SH   DFND   250 0 355
Vanguard ETF/USA SMALL CP ETF 922908751   2,589,468 11,328 SH   SOLE   11,284 0 44
Ventas Inc COM 92276F100   87,080 2,000 SH   DFND   0 0 2,000
Veralto Corp COM SHS 92338C103   2,660 30 SH   DFND   0 0 30
Veralto Corp COM SHS 92338C103   34,311 387 SH   SOLE   387 0 0
Vertex Pharmaceuticals Inc COM 92532F100   6,270 15 SH   SOLE   15 0 0
Viavi Solutions Inc COM 925550105   6,363 700 SH   DFND   700 0 0
Vodafone Group PLC SPONSORED ADR 92857W308   17,969 2,019 SH   SOLE   2,019 0 0
Vontier Corp COM 928881101   18,144 400 SH   DFND   400 0 0
Vontier Corp COM 928881101   1,905 42 SH   SOLE   42 0 0
Vulcan Materials Co COM 929160109   13,646 50 SH   SOLE   50 0 0
WASTE MANAGEMENT COM 94106L109   347,648 1,631 SH   DFND   41 0 1,590
WASTE MANAGEMENT COM 94106L109   12,663,881 59,413 SH   SOLE   58,440 0 973
WATSCO INC COM 942622200   431,970 1,000 SH   DFND   0 0 1,000
WEC Energy Group Inc COM 92939U106   164,240 2,000 SH   DFND   0 0 2,000
WEC Energy Group Inc COM 92939U106   154,796 1,885 SH   SOLE   1,885 0 0
WELLS FARGO & CO COM 949746101   78,246 1,350 SH   DFND   0 0 1,350
WELLS FARGO & CO COM 949746101   143,161 2,470 SH   SOLE   2,470 0 0
WESTN DIGITAL CORP COM 958102105   20,472 300 SH   DFND   0 0 300
WISDOMTREE ETFS/USA US TOTAL DIVIDND 97717W109   85,288 1,206 SH   SOLE   1,206 0 0
WISDOMTREE ETFS/USA US HIGH DIVIDEND 97717W208   34,231 395 SH   DFND   0 0 395
WK Kellogg Co COM SHS 92942W107   226 12 SH   DFND   0 0 12
WK Kellogg Co COM SHS 92942W107   6,110 325 SH   SOLE   325 0 0
WP Carey Inc COM 92936U109   223,615 3,962 SH   SOLE   3,962 0 0
WW Grainger Inc COM 384802104   292,982 288 SH   SOLE   288 0 0
Walgreens Boots Alliance Inc COM 931427108   12,732 587 SH   DFND   577 0 10
Walmart Inc COM 931142103   1,212,486 20,151 SH   DFND   1,188 0 18,963
Walmart Inc COM 931142103   16,251,255 270,089 SH   SOLE   265,553 0 4,536
Walt Disney Co/The COM 254687106   313,853 2,565 SH   DFND   0 0 2,565
Walt Disney Co/The COM 254687106   374,055 3,057 SH   SOLE   1,307 0 1,750
Warner Bros Discovery Inc COM SER A 934423104   37,941 4,346 SH   DFND   0 0 4,346
Warner Bros Discovery Inc COM SER A 934423104   46,767 5,357 SH   SOLE   5,357 0 0
Webster Financial Corp COM 947890109   1,282,552 25,262 SH   DFND   100 0 25,162
West Pharmaceutical Services I COM 955306105   99,719 252 SH   SOLE   252 0 0
Westinghouse Air Brake Technol COM 929740108   16,025 110 SH   DFND   0 0 110
Westinghouse Air Brake Technol COM 929740108   146 1 SH   SOLE   1 0 0
Westrock Co COM 96145D105   38,571 780 SH   DFND   0 0 780
Wheaton Precious Metals Corp COM 962879102   11,641 247 SH   DFND   0 0 247
Whirlpool Corp COM 963320106   45,818 383 SH   DFND   0 0 383
Willis Towers Watson PLC SHS G96629103   2,475 9 SH   SOLE   9 0 0
WisdomTree Asset Management Inc US QTLY DIV GRT 97717X669   38,095 500 SH   DFND   500 0 0
WisdomTree Asset Management Inc EUROPE HEDGED EQ 97717X701   75,348 1,560 SH   DFND   0 0 1,560
WisdomTree ETFs/USA EM EX ST-OWNED 97717X578   34,616 1,175 SH   DFND   0 0 1,175
WisdomTree ETFs/USA EM EX ST-OWNED 97717X578   752,850 25,555 SH   SOLE   21,476 0 4,079
WisdomTree ETFs/USA ITL HDG QTLY DIV 97717X594   71,483 1,556 SH   DFND   0 0 1,556
Wolfspeed Inc COM 977852102   738 25 SH   SOLE   25 0 0
XA Investments LLC COM 98400T106   7,090 1,000 SH   DFND   0 0 1,000
Xylem Inc/NY COM 98419M100   54,281 420 SH   DFND   0 0 420
Xylem Inc/NY COM 98419M100   14,604 113 SH   SOLE   113 0 0
YUM BRANDS INC COM 988498101   207,975 1,500 SH   DFND   0 0 1,500
ZIMMER HLDGS INC COM 98956P102   83,147 630 SH   DFND   200 0 430
Zimmer Biomet Holdings Inc COM 98888T107   49 3 SH   DFND   0 0 3
abrdn Funds COM SH BEN INT 00302L108   5,346 1,350 SH   DFND   0 0 1,350
iShares ETFs/USA MSCI JAPN SMCETF 464286582   28,118 375 SH   DFND   375 0 0
iShares ETFs/USA CORE US AGGBD ET 464287226   506,546 5,172 SH   DFND   0 0 5,172
iShares ETFs/USA CORE US AGGBD ET 464287226   19,980 204 SH   SOLE   204 0 0
iShares ETFs/USA NORTH AMERN NAT 464287374   179,960 4,000 SH   DFND   4,000 0 0
iShares ETFs/USA MSCI EAFE ETF 464287465   71,874 900 SH   DFND   0 0 900
iShares ETFs/USA MSCI EAFE ETF 464287465   1,332,704 16,688 SH   SOLE   16,688 0 0
iShares ETFs/USA RUS MD CP GR ETF 464287481   45,656 400 SH   DFND   400 0 0
iShares ETFs/USA RUS MD CP GR ETF 464287481   117,222 1,027 SH   SOLE   1,027 0 0
iShares ETFs/USA RUS MID CAP ETF 464287499   578,791 6,883 SH   SOLE   6,883 0 0
iShares ETFs/USA CORE S&P MCP ETF 464287507   1,723,498 28,375 SH   DFND   550 0 27,825
iShares ETFs/USA CORE S&P MCP ETF 464287507   16,842,959 277,296 SH   SOLE   252,061 0 25,235
iShares ETFs/USA US DIGITAL INFRA 464287531   14,429 200 SH   DFND   200 0 0
iShares ETFs/USA S&P MC 400GR ETF 464287606   188,431 2,065 SH   DFND   0 0 2,065
iShares ETFs/USA S&P MC 400GR ETF 464287606   257,873 2,826 SH   SOLE   2,826 0 0
iShares ETFs/USA RUS 1000 ETF 464287622   28,803 100 SH   DFND   100 0 0
iShares ETFs/USA RUS 2000 GRW ETF 464287648   875,767 3,234 SH   DFND   125 0 3,109
iShares ETFs/USA RUS 2000 GRW ETF 464287648   1,892,350 6,988 SH   SOLE   2,415 0 4,573
iShares ETFs/USA CORE S&P US VLU 464287663   441,619 4,883 SH   SOLE   4,883 0 0
iShares ETFs/USA RUSSELL 3000 ETF 464287689   30,008 100 SH   DFND   100 0 0
iShares ETFs/USA RUSSELL 3000 ETF 464287689   157,542 525 SH   SOLE   525 0 0
iShares ETFs/USA S&P MC 400VL ETF 464287705   10,410 88 SH   SOLE   88 0 0
iShares ETFs/USA CORE S&P SCP ETF 464287804   256,075 2,317 SH   DFND   1,400 0 917
iShares ETFs/USA CORE S&P SCP ETF 464287804   866,477 7,840 SH   SOLE   7,240 0 600
iShares ETFs/USA US CONSM STAPLES 464287812   157,240 2,325 SH   SOLE   2,325 0 0
iShares ETFs/USA EAFE SML CP ETF 464288273   82,899 1,309 SH   DFND   1,300 0 9
iShares ETFs/USA EAFE SML CP ETF 464288273   16,529 261 SH   SOLE   261 0 0
iShares ETFs/USA MRGSTR SM CP GR 464288604   90,532 1,944 SH   DFND   0 0 1,944
iShares ETFs/USA 3 7 YR TREAS BD 464288661   18,182 157 SH   DFND   0 0 157
iShares ETFs/USA GLOB UTILITS ETF 464288711   14,762 250 SH   DFND   250 0 0
iShares ETFs/USA MSCI USA ESG SLC 464288802   8,808,163 80,683 SH   SOLE   80,250 0 433
iShares ETFs/USA RUS TP200 GR ETF 464289438   19,510 100 SH   DFND   100 0 0
iShares ETFs/USA RUS TOP 200 ETF 464289446   201,994 1,589 SH   DFND   1,589 0 0
iShares ETFs/USA RUS TOP 200 ETF 464289446   84,613,487 665,619 SH   SOLE   664,932 0 687
iShares ETFs/USA INDIA 50 ETF 464289529   20,176 400 SH   DFND   400 0 0
iShares ETFs/USA GRWT ALLOCAT ETF 464289867   4,064 73 SH   SOLE   73 0 0
iShares ETFs/USA US TREAS BD ETF 46429B267   3,188 140 SH   DFND   0 0 140
iShares ETFs/USA MSCI USA MIN VOL 46429B697   42,208 505 SH   DFND   54 0 451
iShares ETFs/USA MSCI USA MIN VOL 46429B697   4,300,191 51,450 SH   SOLE   50,911 0 539
iShares ETFs/USA 0-5 YR TIPS ETF 46429B747   13,025 131 SH   SOLE   131 0 0
iShares ETFs/USA MSCI USA VALUE 46432F388   13,864 128 SH   SOLE   128 0 0
iShares ETFs/USA CORE MSCI EMKT 46434G103   275,957 5,348 SH   DFND   0 0 5,348
iShares ETFs/USA CORE MSCI EMKT 46434G103   204,904 3,971 SH   SOLE   3,372 0 599
iShares ETFs/USA MSCI SINGPOR ETF 46434G780   18,360 1,000 SH   DFND   1,000 0 0
iShares ETFs/USA MSCI JPN ETF NEW 46434G822   28,540 400 SH   DFND   400 0 0
iShares ETFs/USA ESG AWR MSCI EM 46434G863   41,544 1,289 SH   SOLE   1,289 0 0
iShares ETFs/USA RUSEL 2500 ETF 46435G268   160,810 2,451 SH   SOLE   2,451 0 0
iShares/USA MSCI SWITZERLAND 464286749   104,720 2,200 SH   DFND   2,200 0 0
iSun Inc COM 465246106   100 400 SH   DFND   0 0 400