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
AXALTA COATING SYS LTD COM FOREIGN EQUITIES G0750C108   3,397 100 SH   SOLE   0 0 0
ACCENTURE PLC IRELAND SHS CLASS A COMMON STOCK G1151C101   44,213 126 SH   SOLE   0 0 0
FTAI AVIATION LTD SHS COMMON STOCK G3730V105   9,280 200 SH   SOLE   0 0 0
LINDE PLC SHS FOREIGN EQUITIES G54950103   82,140 200 SH   DFND   0 0 0
MEDTRONIC PLC SHS FOREIGN EQUITIES G5960L103   24,714 300 SH   SOLE   0 0 0
MEDTRONIC PLC SHS FOREIGN EQUITIES G5960L103   10,297 125 SH   DFND   0 0 0
NORWEGIAN CRUISE LINE HLDG LSHS FOREIGN EQUITIES G66721104   2,003 100 SH   SOLE   0 0 0
SFL CORPORATION LTD SHS FOREIGN EQUITIES G7738W106   11,099 984 SH   SOLE   0 0 0
CHUBB LIMITED COM FOREIGN EQUITIES H1467J104   113,000 500 SH   SOLE   0 0 0
ITURAN LOCATION & CONTROL LTD FOREIGN EQUITIES M6158M104   2,723 100 SH   DFND   0 0 0
LYONDELLBASELL INDUSTRIES N SHS - A - FOREIGN EQUITIES N53745100   216,305 2,275 SH   SOLE   0 0 0
LYONDELLBASELL INDUSTRIES N SHS - A - FOREIGN EQUITIES N53745100   9,508 100 SH   DFND   0 0 0
ROYAL CARIBBEAN CRUISES LTD COM FOREIGN EQUITIES V7780T103   4,532 35 SH   SOLE   0 0 0
AFLAC INC. COMMON STOCK 001055102   49,500 600 SH   DFND   0 0 0
AT&T INC COM COMMON STOCK 00206R102   92,008 5,487 SH   SOLE   0 0 0
AT&T INC COM COMMON STOCK 00206R102   63,742 3,801 SH   DFND   1,704 0 0
ARK ETF TR INNOVATION ETF ETF/EQUITIES 00214Q104   2,618 50 SH   DFND   0 0 0
ARK ETF TR ARK SPACE EXPL ETF/EQUITIES 00214Q807   1,541 100 SH   DFND   0 0 0
ABBOTT LABS COM COMMON STOCK 002824100   725,910 6,595 SH   SOLE   0 0 0
ABBOTT LABS COM COMMON STOCK 002824100   60,538 550 SH   DFND   0 0 0
ABBVIE INC COM COMMON STOCK 00287Y109   1,084,783 7,000 SH   SOLE   0 0 0
ABBVIE INC COM COMMON STOCK 00287Y109   92,982 600 SH   DFND   0 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106   54,758 200 SH   DFND   0 0 0
ALCOA CORP COM COMMON STOCK 013872106   3,400 100 SH   SOLE   0 0 0
ALLETE INC COM NEW COMMON STOCK 018522300   15,287 250 SH   DFND   0 0 0
ALPHABET INC USD.001 COMMON STOCK 02079K107   78,208 555 SH   SOLE   0 0 0
ALPHABET INC USD.001 COMMON STOCK 02079K305   89,401 640 SH   SOLE   0 0 0
ALTRIA GROUP INC. COMMON STOCK 02209S103   92,015 2,281 SH   SOLE   0 0 0
AMAZON.COM INC COMMON STOCK 023135106   12,154 80 SH   SOLE   0 0 0
AMEREN CORP COM COMMON STOCK 023608102   41,523 574 SH   DFND   0 0 0
AMERICAN ELEC PWR INC COM COMMON STOCK 025537101   81,220 1,000 SH   SOLE   0 0 0
AMERICAN ELEC PWR INC COM COMMON STOCK 025537101   15,756 194 SH   DFND   0 0 0
AMGEN INC COM COMMON STOCK 031162100   36,001 125 SH   SOLE   0 0 0
ANALOG DEVICES INC COM COMMON STOCK 032654105   632,012 3,183 SH   SOLE   0 0 0
ANALOG DEVICES INC COM COMMON STOCK 032654105   69,496 350 SH   DFND   0 0 0
ELEVANCE HEALTH INC COMMON STOCK 036752103   11,788 25 SH   SOLE   0 0 0
APA CORPORATION COM COMMON STOCK 03743Q108   7,176 200 SH   DFND   0 0 0
APPLE INCORPORATED COMMON STOCK 037833100   1,356,361 7,045 SH   SOLE   0 0 0
APPLIED MATERIALS INC COMMON STOCK 038222105   1,052,636 6,495 SH   SOLE   0 0 0
APPLIED MATERIALS INC COMMON STOCK 038222105   539,692 3,330 SH   DFND   0 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103   5,824 25 SH   SOLE   0 0 0
AVERY DENNISON CORP. COMMON STOCK 053611109   304,249 1,505 SH   SOLE   0 0 0
AVERY DENNISON CORP. COMMON STOCK 053611109   116,242 575 SH   DFND   0 0 0
BP PLC SPONSORED ADR FOREIGN EQUITIES 055622104   59,097 1,670 SH   SOLE   0 0 0
BANK OF AMERICA CORPORATION COM COMMON STOCK 060505104   105,280 3,128 SH   SOLE   0 0 0
BANK OF AMERICA CORPORATION COM COMMON STOCK 060505104   39,853 1,184 SH   DFND   0 0 0
BANK NEW YORK MELLON CORP COM COMMON STOCK 064058100   46,367 891 SH   SOLE   0 0 0
BANK NEW YORK MELLON CORP COM COMMON STOCK 064058100   14,102 271 SH   DFND   0 0 0
BARRICK GOLD CORP FOREIGN EQUITIES 067901108   9,045 500 SH   DFND   0 0 0
BAXTER INTL INC COM COMMON STOCK 071813109   1,932 50 SH   SOLE   0 0 0
BERKSHIRE HATHAWAY B COMMON STOCK 084670702   1,009,299 2,830 SH   SOLE   0 0 0
BERKSHIRE HATHAWAY B COMMON STOCK 084670702   46,364 130 SH   DFND   0 0 0
BEST BUY INC COM COMMON STOCK 086516101   15,656 200 SH   SOLE   0 0 0
BHP BILLITON LIMITED FOREIGN EQUITIES 088606108   13,662 200 SH   DFND   0 0 0
BIOGEN IDEC INC COMMON STOCK 09062X103   91,856 355 SH   SOLE   0 0 0
BLACKROCK INC COM COMMON STOCK 09247X101   75,493 93 SH   SOLE   0 0 0
BRISTOL MYERS SQUIBB CO COM COMMON STOCK 110122108   114,314 2,228 SH   SOLE   0 0 0
BRISTOL MYERS SQUIBB CO COM COMMON STOCK 110122108   19,241 375 SH   DFND   0 0 0
BROADCOM INC COM COMMON STOCK 11135F101   83,718 75 SH   SOLE   0 0 0
C H ROBINSON WORLDWIDE INC COM NEW COMMON STOCK 12541W209   54,421 630 SH   SOLE   0 0 0
CIGNA CORP NEW COM COMMON STOCK 125523100   16,469 55 SH   SOLE   0 0 0
CVS HEALTH CORP COM COMMON STOCK 126650100   225,587 2,857 SH   SOLE   0 0 0
CVS HEALTH CORP COM COMMON STOCK 126650100   119,229 1,510 SH   DFND   0 0 0
CAPITAL ONE FINL CORP COM COMMON STOCK 14040H105   153,410 1,170 SH   SOLE   0 0 0
CARDINAL HEALTH INC COM COMMON STOCK 14149Y108   170,856 1,695 SH   SOLE   0 0 0
CARDINAL HEALTH INC COM COMMON STOCK 14149Y108   10,080 100 SH   DFND   0 0 0
CARNIVAL CORP UNIT 99/99/9999 COMMON STOCK 143658300   5,559 300 SH   SOLE   0 0 0
CARPENTER TECHNOLOGY CORP COMMON STOCK 144285103   40,137 567 SH   SOLE   0 0 0
CARRIER GLOBAL CORPORATION COM COMMON STOCK 14448C104   33,895 590 SH   SOLE   0 0 0
CARRIER GLOBAL CORPORATION COM COMMON STOCK 14448C104   5,745 100 SH   DFND   0 0 0
CATERPILLAR INC COMMON STOCK 149123101   1,122,010 3,795 SH   SOLE   0 0 0
CATERPILLAR INC COMMON STOCK 149123101   103,481 350 SH   DFND   0 0 0
CELANESE CORP DEL COM COMMON STOCK 150870103   163,907 1,055 SH   SOLE   0 0 0
CHEVRON CORPORATION COMMON STOCK 166764100   184,951 1,240 SH   SOLE   0 0 0
CHEVRON CORPORATION COMMON STOCK 166764100   7,458 50 SH   DFND   0 0 0
CHURCH & DWIGHT INC COMMON STOCK 171340102   4,728 50 SH   SOLE   0 0 0
CISCO SYS INC COM COMMON STOCK 17275R102   511,007 10,115 SH   SOLE   0 0 0
CISCO SYS INC COM COMMON STOCK 17275R102   73,557 1,456 SH   DFND   0 0 0
CINTAS CORP COM COMMON STOCK 172908105   532,736 884 SH   SOLE   0 0 0
CINTAS CORP COM COMMON STOCK 172908105   442,947 735 SH   DFND   0 0 0
CITIGROUP INC COMMON COMMON STOCK 172967424   70,709 1,375 SH   SOLE   0 0 0
CITIGROUP INC COMMON COMMON STOCK 172967424   3,805 74 SH   DFND   0 0 0
COCA COLA CO COM COMMON STOCK 191216100   336,487 5,710 SH   SOLE   0 0 0
COCA COLA CO COM COMMON STOCK 191216100   78,082 1,325 SH   DFND   0 0 0
COLGATE PALMOLIVE COMMON STOCK 194162103   82,095 1,030 SH   SOLE   0 0 0
COMCAST CORP. CLASS A COMMON STOCK 20030N101   15,344 350 SH   SOLE   0 0 0
COMPASS DIVERSIFIED HOLDINGS SHARES PARTNERSHIPS 20451Q104   17,960 800 SH   DFND   0 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104   129,994 1,120 SH   SOLE   0 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104   38,883 335 SH   DFND   0 0 0
CONSOLIDATED EDISON INC COM COMMON STOCK 209115104   187,395 2,060 SH   SOLE   0 0 0
CONSOLIDATED EDISON INC COM COMMON STOCK 209115104   79,598 875 SH   DFND   0 0 0
CONSTELLATION ENERGY CORP COM COMMON STOCK 21037T109   44,650 382 SH   SOLE   0 0 0
CONSTELLATION ENERGY CORP COM COMMON STOCK 21037T109   37,404 320 SH   DFND   0 0 0
CORNING INC COM COMMON STOCK 219350105   6,090 200 SH   DFND   0 0 0
COSTCO WHSL CORP NEW COM COMMON STOCK 22160K105   9,901 15 SH   SOLE   0 0 0
CUMMINS INC COM COMMON STOCK 231021106   336,588 1,405 SH   SOLE   0 0 0
CUMMINS INC COM COMMON STOCK 231021106   5,989 25 SH   DFND   0 0 0
DARDEN RESTAURANTS INC COM COMMON STOCK 237194105   49,290 300 SH   SOLE   0 0 0
DARDEN RESTAURANTS INC COM COMMON STOCK 237194105   16,430 100 SH   DFND   0 0 0
DEERE & CO. COMMON STOCK 244199105   563,794 1,410 SH   SOLE   0 0 0
DEERE & CO. COMMON STOCK 244199105   21,992 55 SH   DFND   0 0 0
DISCOVER FINL SVCS COM COMMON STOCK 254709108   65,754 585 SH   SOLE   0 0 0
DOW INC COM COMMON STOCK 260557103   70,193 1,280 SH   SOLE   0 0 0
DOW INC COM COMMON STOCK 260557103   9,322 170 SH   DFND   0 0 0
DUKE ENERGY CORP NEW COM NEW COMMON STOCK 26441C204   29,403 303 SH   SOLE   0 0 0
DUPONT DE NEMOURS INC COM COMMON STOCK 26614N102   13,078 170 SH   DFND   0 0 0
ETF SER SOLUTIONS US GLB JETS ETF/EQUITIES 26922A842   5,230 275 SH   SOLE   0 0 0
EMERSON ELEC CO COM COMMON STOCK 291011104   359,140 3,690 SH   SOLE   0 0 0
EMERSON ELEC CO COM COMMON STOCK 291011104   12,166 125 SH   DFND   0 0 0
ENBRIDGE INC COM FOREIGN EQUITIES 29250N105   3,529 98 SH   DFND   0 0 0
ENERGY TRANSFER L P COM UT LTD PTN COMMON STOCK 29273V100   77,956 5,649 SH   SOLE   0 0 0
ENTERGY CORP NEW COM COMMON STOCK 29364G103   21,249 210 SH   DFND   0 0 0
ENTERPRISE PRODS PARTNERS L COM PARTNERSHIPS 293792107   10,377 394 SH   DFND   0 0 0
ESSENTIAL UTILS INC COM COMMON STOCK 29670G102   6,534 175 SH   SOLE   0 0 0
ESSENTIAL UTILS INC COM COMMON STOCK 29670G102   7,468 200 SH   DFND   0 0 0
EXELON CORP COM COMMON STOCK 30161N101   41,273 1,150 SH   SOLE   0 0 0
EXELON CORP COM COMMON STOCK 30161N101   38,043 1,060 SH   DFND   0 0 0
F&G ANNUITIES & LIFE INC COMMON STOCK COMMON STOCK 30190A104   1,058 23 SH   DFND   0 0 0
EXXON MOBIL CORP COM COMMON STOCK 30231G102   308,531 3,086 SH   SOLE   0 0 0
EXXON MOBIL CORP COM COMMON STOCK 30231G102   39,992 400 SH   DFND   0 0 0
META PLATFORMS, INC. COMMON STOCK 30303M102   93,795 265 SH   SOLE   0 0 0
FASTENAL CO COM COMMON STOCK 311900104   110,109 1,700 SH   SOLE   0 0 0
FASTENAL CO COM COMMON STOCK 311900104   29,146 450 SH   DFND   0 0 0
FEDEX CORP COM COMMON STOCK 31428X106   150,509 595 SH   SOLE   0 0 0
FIDELITY NATIONAL FINANCIAL FNF GROUP COM COMMON STOCK 31620R303   86,221 1,690 SH   SOLE   0 0 0
FIDELITY NATIONAL FINANCIAL FNF GROUP COM COMMON STOCK 31620R303   17,857 350 SH   DFND   0 0 0
FIFTH THIRD BANCORP COMMON STOCK 316773100   3,448 100 SH   SOLE   0 0 0
FISERV INC. COMMON STOCK 337738108   162,729 1,225 SH   SOLE   0 0 0
FISERV INC. COMMON STOCK 337738108   185,976 1,400 SH   DFND   0 0 0
FISKER INC CL A COM STK COMMON STOCK 33813J106   350 200 SH   DFND   0 0 0
FORD MTR CO DEL COM PAR $0.01 COMMON STOCK 345370860   54,244 4,450 SH   SOLE   0 0 0
FORD MTR CO DEL COM PAR $0.01 COMMON STOCK 345370860   7,923 650 SH   DFND   0 0 0
FORTIS INC COM FOREIGN EQUITIES 349553107   4,606 112 SH   DFND   0 0 0
FREEPORT-MCMORAN, INC. COMMON STOCK 35671D857   44,261 1,040 SH   SOLE   0 0 0
FREEPORT-MCMORAN, INC. COMMON STOCK 35671D857   12,768 300 SH   DFND   0 0 0
FULTON FINANCIAL CORP COMMON STOCK 360271100   9,870 600 SH   DFND   0 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108   63,613 245 SH   SOLE   0 0 0
GENERAL ELECTRIC CO COM NEW COMMON STOCK 369604301   14,038 110 SH   SOLE   0 0 0
GENERAL MILLS INC COMMON STOCK 370334104   142,361 2,186 SH   SOLE   0 0 0
GENERAL MILLS INC COMMON STOCK 370334104   7,489 115 SH   DFND   0 0 0
GENERAL MOTORS COMMON STOCK 37045V100   10,773 300 SH   SOLE   0 0 0
GENTEX CORP COM COMMON STOCK 371901109   16,325 500 SH   DFND   0 0 0
GILEAD SCIENCES INC COM COMMON STOCK 375558103   58,731 725 SH   SOLE   0 0 0
GSK PLC SPONSORED ADR COMMON STOCK 37733W204   28,051 757 SH   SOLE   0 0 0
GSK PLC SPONSORED ADR COMMON STOCK 37733W204   2,964 80 SH   DFND   0 0 0
GODADDY INC CL A COMMON STOCK 380237107   21,232 200 SH   SOLE   0 0 0
GOLDMAN SACHS GROUP COMMON STOCK 38141G104   38,576 100 SH   SOLE   0 0 0
HP INC COM COMMON STOCK 40434L105   114,125 3,793 SH   SOLE   0 0 0
HP INC COM COMMON STOCK 40434L105   24,072 800 SH   DFND   0 0 0
HARLEY-DAVIDSON COMMON STOCK 412822108   7,368 200 SH   SOLE   0 0 0
HARLEY-DAVIDSON COMMON STOCK 412822108   25,788 700 SH   DFND   0 0 0
HARTFORD FINL SVCS GROUP INCCOM COMMON STOCK 416515104   24,114 300 SH   SOLE   0 0 0
HAWAIIAN ELECTRIC INDUSTRIES COMMON STOCK 419870100   3,547 250 SH   DFND   0 0 0
HERSHEY CO COMMON STOCK 427866108   4,661 25 SH   SOLE   0 0 0
HEWLETT PACKARD ENTERPRISE CCOM COMMON STOCK 42824C109   7,636 450 SH   DFND   0 0 0
HOME DEPOT INC COM COMMON STOCK 437076102   371,141 1,071 SH   SOLE   0 0 0
HOWMET AEROSPACE INC COM COMMON STOCK 443201108   16,233 300 SH   DFND   0 0 0
HUNTINGTON BANCSHARES INC COMMON STOCK 446150104   2,544 200 SH   DFND   0 0 0
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109   749,928 2,863 SH   SOLE   0 0 0
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109   153,234 585 SH   DFND   0 0 0
INTEL CORP COM COMMON STOCK 458140100   146,271 2,911 SH   SOLE   0 0 0
INTEL CORP COM COMMON STOCK 458140100   25,125 500 SH   DFND   0 0 0
INTERNATIONAL BUSINESS MACHSCOM COMMON STOCK 459200101   535,780 3,276 SH   SOLE   0 0 0
INTERNATIONAL BUSINESS MACHSCOM COMMON STOCK 459200101   8,177 50 SH   DFND   0 0 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103   113,115 3,130 SH   SOLE   0 0 0
INTERPUBLIC GROUP COS INC COMMON STOCK 460690100   101,308 3,105 SH   SOLE   0 0 0
INTERPUBLIC GROUP COS INC COMMON STOCK 460690100   16,315 500 SH   DFND   0 0 0
ISHARES GOLD TR NPV ETF/EQUITIES 464285204   11,198 287 SH   SOLE   0 0 0
ISHARES GOLD TR NPV ETF/EQUITIES 464285204   1,990 51 SH   DFND   0 0 0
ISHARES MORNINGSTAR GROWTH ETF ETF/EQUITIES 464287119   67,810 1,000 SH   SOLE   0 0 0
ISHARES US TRANSPORTATION ETF ETF/EQUITIES 464287192   32,802 125 SH   SOLE   0 0 0
ISHARES TRUST MSCI ETF/EQUITIES 464287234   6,030 150 SH   SOLE   0 0 0
ISHARES TR MSCI EAFE ETF ETF/EQUITIES 464287465   12,808 170 SH   SOLE   0 0 0
ISHARES TR RUS MDCP VAL ETF ETF/EQUITIES 464287473   27,908 240 SH   SOLE   0 0 0
ISHARES TR RUS MID CAP ETF ETF/EQUITIES 464287499   93,261 1,200 SH   SOLE   0 0 0
ISHARES NORTH AMERICAN TECHNOLOGY ETF ETF/EQUITIES 464287549   255,893 571 SH   SOLE   0 0 0
ISHARES TR RUS 1000 VAL ETF ETF/EQUITIES 464287598   4,957 30 SH   SOLE   0 0 0
ISHARES S&P MIDCAP 400 GROWTH ETF ETF/EQUITIES 464287606   653,316 8,247 SH   SOLE   0 0 0
ISHARES S&P MIDCAP 400 GROWTH ETF ETF/EQUITIES 464287606   2,851 36 SH   DFND   0 0 0
ISHARES RUSSELL 2000 VAL ETF ETF/EQUITIES 464287630   237,799 1,531 SH   SOLE   0 0 0
ISHARES RUSSELL 2000 VAL ETF ETF/EQUITIES 464287630   31,065 200 SH   DFND   0 0 0
ISHARES TR RUS 2000 GRW ETF ETF/EQUITIES 464287648   31,525 125 SH   SOLE   0 0 0
ISHARES TR RUSSELL 2000 ETF ETF/EQUITIES 464287655   15,654 78 SH   SOLE   0 0 0
ISHARES US UTILS ETF ETF/EQUITIES 464287697   7,193 90 SH   SOLE   0 0 0
ISHARES S&P MIDCAP 400 VALUE INDEX ETF/EQUITIES 464287705   402,668 3,531 SH   SOLE   0 0 0
ISHARES S&P MIDCAP 400 VALUE INDEX ETF/EQUITIES 464287705   11,404 100 SH   DFND   0 0 0
ISHARES DOW JONES TECHNOLOGY ETF/EQUITIES 464287721   320,619 2,612 SH   SOLE   0 0 0
ISHARES TRUST ETF ETF/EQUITIES 464287754   153,812 1,345 SH   SOLE   0 0 0
DOW JONES US ENERGY SECTOR ETF/EQUITIES 464287796   78,511 1,780 SH   SOLE   0 0 0
ISHARES TR CORE S&P SCP ETF ETF/EQUITIES 464287804   198,631 1,835 SH   SOLE   0 0 0
ISHARES S&P 600 SMALL CAP GROWTH ETF ETF/EQUITIES 464287887   1,366,888 10,923 SH   SOLE   0 0 0
ISHARES S&P 600 SMALL CAP GROWTH ETF ETF/EQUITIES 464287887   629,452 5,030 SH   DFND   0 0 0
ISHARES MSCI KLD 400 SOCIAL INDEX FUND ETF/EQUITIES 464288570   118,365 1,300 SH   DFND   0 0 0
ISHARES TR INTRM GOV CR ETF ETF/FIXED INCOME 464288612   25,142 240 SH   SOLE   0 0 0
ISHARES TR CORE HIGH DV ETF ETF/EQUITIES 46429B663   3,671 36 SH   SOLE   0 0 0
ISHARES TR CORE MSCI EAFE ETF/EQUITIES 46432F842   14,070 200 SH   SOLE   0 0 0
JPMORGAN CHASE & CO COM COMMON STOCK 46625H100   246,303 1,448 SH   SOLE   0 0 0
JPMORGAN CHASE & CO COM COMMON STOCK 46625H100   102,060 600 SH   DFND   0 0 0
JOHNSON & JOHNSON COM COMMON STOCK 478160104   675,537 4,310 SH   SOLE   0 0 0
JOHNSON & JOHNSON COM COMMON STOCK 478160104   310,970 1,984 SH   DFND   0 0 0
KELLOGG CO COMMON STOCK 487836108   27,781 497 SH   SOLE   0 0 0
KEYCORP NEW COM COMMON STOCK 493267108   1,440 100 SH   SOLE   0 0 0
KEYCORP NEW COM COMMON STOCK 493267108   4,823 335 SH   DFND   0 0 0
KOHL'S CORP. COMMON STOCK 500255104   21,510 750 SH   SOLE   0 0 0
KRAFT HEINZ CO COM COMMON STOCK 500754106   3,697 100 SH   DFND   0 0 0
KROGER CO COM COMMON STOCK 501044101   13,024 285 SH   SOLE   0 0 0
LAM RESEARCH CORP COM COMMON STOCK 512807108   67,356 86 SH   SOLE   0 0 0
ELI LILLY & CO COM COMMON STOCK 532457108   40,803 70 SH   SOLE   0 0 0
LOCKHEED MARTIN CORP COM COMMON STOCK 539830109   333,118 735 SH   SOLE   0 0 0
LOWES COS INC COM COMMON STOCK 548661107   711,042 3,195 SH   SOLE   0 0 0
LOWES COS INC COM COMMON STOCK 548661107   189,166 850 SH   DFND   0 0 0
LUMEN TECHNOLOGIES INC COM COMMON STOCK 550241103   5,460 3,000 SH   DFND   0 0 0
MSC INDL DIRECT INC CL A COMMON STOCK 553530106   161,708 1,597 SH   SOLE   0 0 0
MSC INDL DIRECT INC CL A COMMON STOCK 553530106   75,945 750 SH   DFND   0 0 0
MARATHON PETROLEUM CORP COMMON STOCK 56585A102   167,943 1,132 SH   SOLE   0 0 0
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202   11,275 50 SH   SOLE   0 0 0
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202   112,755 500 SH   DFND   0 0 0
MCCORMICK & CO INC COMMON STOCK 579780206   6,842 100 SH   SOLE   0 0 0
MCCORMICK & CO INC COMMON STOCK 579780206   34,210 500 SH   DFND   0 0 0
MCDONALDS CORP COM COMMON STOCK 580135101   29,651 100 SH   DFND   0 0 0
MERCK & CO INC NEW COMMON STOCK 58933Y105   328,693 3,015 SH   SOLE   0 0 0
MERCK & CO INC NEW COMMON STOCK 58933Y105   102,914 944 SH   DFND   0 0 0
METLIFE INC. COMMON STOCK 59156R108   76,511 1,157 SH   SOLE   0 0 0
MICROSOFT CORP COM COMMON STOCK 594918104   1,762,442 4,687 SH   SOLE   0 0 0
MICROSOFT CORP COM COMMON STOCK 594918104   416,264 1,107 SH   DFND   0 0 0
MICRON TECHNOLOGY INC COMMON STOCK 595112103   78,085 915 SH   SOLE   0 0 0
MICRON TECHNOLOGY INC COMMON STOCK 595112103   8,534 100 SH   DFND   0 0 0
MID PENN BANCORP INC COM COMMON STOCK 59540G107   28,492 1,174 SH   SOLE   0 0 0
MOSAIC CO NEW COM COMMON STOCK 61945C103   3,572 100 SH   DFND   0 0 0
MOTOROLA SOLUTIONS INC. COMMON STOCK 620076307   13,149 42 SH   DFND   0 0 0
NEXTERA ENERGY INC COM COMMON STOCK 65339F101   227,167 3,740 SH   DFND   0 0 0
NIKE INC CL B COMMON STOCK 654106103   62,426 575 SH   SOLE   0 0 0
NOKIA CORP SPONSORED ADR FOREIGN EQUITIES 654902204   307 90 SH   DFND   90 0 0
NORTHROP GRUMMAN CORP COM COMMON STOCK 666807102   159,160 340 SH   SOLE   0 0 0
NORWOOD FINANCIAL CORP COMMON STOCK 669549107   7,833,219 238,092 SH   SOLE   0 0 0
NORWOOD FINANCIAL CORP COMMON STOCK 669549107   6,155,885 187,109 SH   DFND   184,064 0 0
NUCOR CORP COMMON STOCK 670346105   248,006 1,425 SH   SOLE   0 0 0
NUCOR CORP COMMON STOCK 670346105   60,914 350 SH   DFND   0 0 0
OCCIDENTAL PETROLEUM CORP. COMMON STOCK 674599105   28,357 475 SH   SOLE   0 0 0
OCCIDENTAL PETROLEUM CORP. COMMON STOCK 674599105   2,985 50 SH   DFND   0 0 0
OCCIDENTAL PETE CORP W EXP 99/99/9999 WARRANTS & RIGHTS 674599162   4,980 128 SH   SOLE   0 0 0
OCCIDENTAL PETE CORP W EXP 99/99/9999 WARRANTS & RIGHTS 674599162   700 18 SH   DFND   0 0 0
OCEANFIRST FINANCIAL CORP COMMON STOCK 675234108   38,192 2,200 SH   DFND   0 0 0
OLD REP INTL CORP COM COMMON STOCK 680223104   24,981 850 SH   SOLE   0 0 0
OLIN CORP COMMON STOCK 680665205   64,793 1,201 SH   SOLE   0 0 0
OLIN CORP COMMON STOCK 680665205   5,395 100 SH   DFND   0 0 0
OMNICOM GROUP INC COM COMMON STOCK 681919106   101,215 1,170 SH   SOLE   0 0 0
ORACLE CORP COM COMMON STOCK 68389X105   463,888 4,400 SH   SOLE   0 0 0
ORACLE CORP COM COMMON STOCK 68389X105   250,394 2,375 SH   DFND   0 0 0
ORGANON & CO COMMON STOCK COMMON STOCK 68622V106   4,106 285 SH   SOLE   0 0 0
ORGANON & CO COMMON STOCK COMMON STOCK 68622V106   1,210 84 SH   DFND   0 0 0
OTIS WORLDWIDE CORP COM COMMON STOCK 68902V107   25,496 285 SH   SOLE   0 0 0
OTIS WORLDWIDE CORP COM COMMON STOCK 68902V107   4,473 50 SH   DFND   0 0 0
PNC FINL SVCS GROUP INC COM COMMON STOCK 693475105   114,893 742 SH   SOLE   0 0 0
PPL CORP COM COMMON STOCK 69351T106   176,862 6,529 SH   SOLE   0 0 0
PPL CORP COM COMMON STOCK 69351T106   2,709 100 SH   DFND   0 0 0
PACCAR INC COM COMMON STOCK 693718108   21,970 225 SH   SOLE   0 0 0
PAYCHEX INC COM COMMON STOCK 704326107   11,911 100 SH   SOLE   0 0 0
PEPSICO INC COM COMMON STOCK 713448108   231,149 1,361 SH   SOLE   0 0 0
PEPSICO INC COM COMMON STOCK 713448108   112,773 664 SH   DFND   0 0 0
PERKIN ELMER COMMON STOCK 714046109   49,187 450 SH   SOLE   0 0 0
PERKIN ELMER COMMON STOCK 714046109   51,375 470 SH   DFND   0 0 0
PFIZER INC COM COMMON STOCK 717081103   486,676 16,905 SH   SOLE   0 0 0
PFIZER INC COM COMMON STOCK 717081103   43,500 1,511 SH   DFND   0 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109   88,717 943 SH   SOLE   0 0 0
PHILLIPS 66 COM COMMON STOCK 718546104   47,264 355 SH   SOLE   0 0 0
PROCTER & GAMBLE CO COM COMMON STOCK 742718109   384,664 2,625 SH   SOLE   0 0 0
PROCTER & GAMBLE CO COM COMMON STOCK 742718109   43,962 300 SH   DFND   0 0 0
PRUDENTIAL FINL INC COM COMMON STOCK 744320102   5,185 50 SH   SOLE   0 0 0
PUBLIC SVC ENTERPRISE GROUP COM COMMON STOCK 744573106   31,186 510 SH   SOLE   0 0 0
PUBLIC SVC ENTERPRISE GROUP COM COMMON STOCK 744573106   17,611 288 SH   DFND   0 0 0
QUALCOMM INC COM COMMON STOCK 747525103   39,772 275 SH   SOLE   0 0 0
QUEST DIAGNOSTICS INC. COMMON STOCK 74834L100   53,083 385 SH   SOLE   0 0 0
RMR GROUP INC CL A COMMON STOCK 74967R106   3,104 110 SH   DFND   0 0 0
RPM INTL INC COM COMMON STOCK 749685103   32,929 295 SH   SOLE   0 0 0
RTX CORPORATION COMMON STOCK 75513E101   71,515 850 SH   SOLE   0 0 0
RTX CORPORATION COMMON STOCK 75513E101   4,207 50 SH   DFND   0 0 0
REGIONS FINANCIAL CORP NEW COM COMMON STOCK 7591EP100   1,937 100 SH   SOLE   0 0 0
RIO TINTO PLC SPONSORED ADR COMMON STOCK 767204100   14,890 200 SH   DFND   0 0 0
SPDR S&P 500 ETF TRUST ETF/EQUITIES 78462F103   223,387 470 SH   SOLE   0 0 0
SPDR S&P 500 ETF TRUST ETF/EQUITIES 78462F103   47,530 100 SH   DFND   0 0 0
SPDR GOLD TRUST ETF/EQUITIES 78463V107   117,561 615 SH   SOLE   0 0 0
SPDR SER TR S&P TRANSN ETF ETF/EQUITIES 78464A532   16,697 200 SH   SOLE   0 0 0
SPDR S&P BIOTECH ETF ETF/EQUITIES 78464A870   17,854 200 SH   SOLE   0 0 0
SPDR S&P MID CAP 400 ETF ETF/EQUITIES 78467Y107   23,845 47 SH   SOLE   0 0 0
SPDR SER TR S&P OILGAS EXP ETF/EQUITIES 78468R556   11,224 82 SH   SOLE   0 0 0
SAN JUAN BASIN RTY TR UNIT BEN INT COMMON STOCK 798241105   1,534 302 SH   DFND   0 0 0
SANOFI SPONSORED ADR FOREIGN EQUITIES 80105N105   28,439 572 SH   SOLE   0 0 0
SCHLUMBERGER LTD COM FOREIGN EQUITIES 806857108   11,709 225 SH   SOLE   0 0 0
SELECT SECTOR SPDR FUND MATERIALS ETF/EQUITIES 81369Y100   103,670 1,212 SH   SOLE   0 0 0
SELECT SECTOR SPDR FUND MATERIALS ETF/EQUITIES 81369Y100   10,692 125 SH   DFND   0 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE ETF/EQUITIES 81369Y209   808,711 5,930 SH   SOLE   0 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE ETF/EQUITIES 81369Y209   41,595 305 SH   DFND   0 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS ETF/EQUITIES 81369Y308   292,070 4,055 SH   SOLE   0 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS ETF/EQUITIES 81369Y308   13,325 185 SH   DFND   0 0 0
CONSUMER DISCRETIONARY SELECT SECTOR SPDR ETF/EQUITIES 81369Y407   310,403 1,736 SH   SOLE   0 0 0
CONSUMER DISCRETIONARY SELECT SECTOR SPDR ETF/EQUITIES 81369Y407   3,576 20 SH   DFND   0 0 0
SELECT SECTOR SPDRFUND ENERGY ETF/EQUITIES 81369Y506   144,620 1,725 SH   SOLE   0 0 0
SELECT SECTOR SPDRFUND ENERGY ETF/EQUITIES 81369Y506   8,803 105 SH   DFND   0 0 0
FINANCIAL SELECT SPDR ETF/EQUITIES 81369Y605   155,993 4,150 SH   SOLE   0 0 0
SELECT SECTOR SPDR TR TECHNOLOGY ETF/EQUITIES 81369Y803   819,562 4,258 SH   SOLE   0 0 0
SELECT SECTOR SPDR TR TECHNOLOGY ETF/EQUITIES 81369Y803   19,248 100 SH   DFND   0 0 0
SELECT SECTOR SPDR TR COMMUNICATION ETF/EQUITIES 81369Y852   59,203 815 SH   SOLE   0 0 0
SELECT SECTOR SPDR FUND ETF/EQUITIES 81369Y886   17,731 280 SH   SOLE   0 0 0
SERVICE PPTYS TR COM SH BEN INT COMMON STOCK 81761L102   4,842 567 SH   DFND   0 0 0
SONOCO PRODS CO COM COMMON STOCK 835495102   75,411 1,350 SH   SOLE   0 0 0
SOUTHERN CO. COMMON STOCK 842587107   165,108 2,355 SH   SOLE   0 0 0
SOUTHERN CO. COMMON STOCK 842587107   126,407 1,803 SH   DFND   0 0 0
STARBUCKS CORP COMMON STOCK 855244109   97,924 1,020 SH   SOLE   0 0 0
STONEX GROUP INC COM COMMON STOCK 861896108   5,537 75 SH   SOLE   0 0 0
STRYKER CORP COM COMMON STOCK 863667101   44,917 150 SH   DFND   0 0 0
SUNCOR ENERGY INC NEW FOREIGN EQUITIES 867224107   9,612 300 SH   DFND   0 0 0
SYLVAMO CORP COMMON STOCK COMMON STOCK 871332102   4,418 90 SH   SOLE   0 0 0
SYNOVUS FINL CORP COM NEW COMMON STOCK 87161C501   3,764 100 SH   SOLE   0 0 0
SYSCO CORP. COMMON STOCK 871829107   463,266 6,335 SH   SOLE   0 0 0
SYSCO CORP. COMMON STOCK 871829107   62,160 850 SH   DFND   0 0 0
TARGET CORP COM COMMON STOCK 87612E106   66,224 465 SH   SOLE   0 0 0
TARGET CORP COM COMMON STOCK 87612E106   28,484 200 SH   DFND   0 0 0
TESLA INC COM COMMON STOCK 88160R101   7,454 30 SH   DFND   0 0 0
THERMO FISHER SCIENTIFIC COMMON STOCK 883556102   82,270 155 SH   SOLE   0 0 0
THERMO FISHER SCIENTIFIC COMMON STOCK 883556102   76,962 145 SH   DFND   0 0 0
3M CO COM COMMON STOCK 88579Y101   100,570 920 SH   SOLE   0 0 0
3M CO COM COMMON STOCK 88579Y101   28,969 265 SH   DFND   0 0 0
TRAVELERS COMPANIES INC COM COMMON STOCK 89417E109   59,051 310 SH   SOLE   0 0 0
TRUIST FINL CORP COMMON STOCK 89832Q109   23,952 649 SH   SOLE   0 0 0
TRUIST FINL CORP COMMON STOCK 89832Q109   1,845 50 SH   DFND   0 0 0
UGI CORP NEW COM COMMON STOCK 902681105   50,155 2,040 SH   SOLE   0 0 0
US BANCORP COMMON STOCK 902973304   4,327 100 SH   SOLE   0 0 0
UNION PAC CORP COM COMMON STOCK 907818108   38,316 156 SH   SOLE   0 0 0
UNITED PARCEL SERVICE INC CL B COMMON STOCK 911312106   73,896 470 SH   SOLE   0 0 0
UNITED PARCEL SERVICE INC CL B COMMON STOCK 911312106   7,861 50 SH   DFND   0 0 0
US STEEL CORPORATION COMMON STOCK 912909108   97,298 2,000 SH   SOLE   0 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102   69,485 132 SH   SOLE   0 0 0
VALERO ENERGY COMMON STOCK 91913Y100   2,600 20 SH   SOLE   0 0 0
VALERO ENERGY COMMON STOCK 91913Y100   13,000 100 SH   DFND   0 0 0
VALLEY NATIONAL BANCORP COMMON STOCK 919794107   34,230 3,152 SH   SOLE   0 0 0
VANECK ETF TRUST ROBOTICS ETF ETF/EQUITIES 92189Y402   101,846 2,565 SH   SOLE   0 0 0
VANGUARD DIVIDEND APPRECIATION ETF ETF/EQUITIES 921908844   947,421 5,560 SH   SOLE   0 0 0
VANGUARD DIVIDEND APPRECIATION ETF ETF/EQUITIES 921908844   141,432 830 SH   DFND   0 0 0
VANGUARD US MOMENTUM ETF ETF/EQUITIES 921935508   238,015 1,813 SH   SOLE   0 0 0
VANGUARD TAX MANAGED INTL FDFTSE DEV MKT ETF ETF/EQUITIES 921943858   388,752 8,116 SH   SOLE   0 0 0
VANGUARD HIGH DIVIDEND YIELD ETF ETF/EQUITIES 921946406   560,696 5,023 SH   SOLE   0 0 0
VANGUARD HIGH DIVIDEND YIELD ETF ETF/EQUITIES 921946406   31,367 281 SH   DFND   0 0 0
VANGUARD ENERGY ETF ETF/EQUITIES 92204A306   80,922 690 SH   SOLE   0 0 0
VANGUARD WORLD FDS FINANCIALS ETF ETF/EQUITIES 92204A405   470,144 5,096 SH   SOLE   0 0 0
VANGUARD WORLD FDS FINANCIALS ETF ETF/EQUITIES 92204A405   9,226 100 SH   DFND   0 0 0
VANGUARD HEALTHCARE ETF ETF/EQUITIES 92204A504   236,907 945 SH   SOLE   0 0 0
VANGUARD INDUSTRIALS ETF ETF/EQUITIES 92204A603   313,227 1,421 SH   SOLE   0 0 0
VANGUARD INDUSTRIALS ETF ETF/EQUITIES 92204A603   24,908 113 SH   DFND   0 0 0
VANGUARD MATERIALS ETF ETF/EQUITIES 92204A801   218,995 1,153 SH   SOLE   0 0 0
VANGUARD MATERIALS ETF ETF/EQUITIES 92204A801   5,888 31 SH   DFND   0 0 0
VANGUARD UTILITIES ETF ETF/EQUITIES 92204A876   158,443 1,156 SH   SOLE   0 0 0
VANGUARD UTILITIES ETF ETF/EQUITIES 92204A876   8,224 60 SH   DFND   0 0 0
VANGUARD MSCI EMERGING MARKETS ETF ETF/EQUITIES 922042858   196,232 4,776 SH   SOLE   0 0 0
VANGUARD MSCI EMERGING MARKETS ETF ETF/EQUITIES 922042858   79,383 1,932 SH   DFND   0 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD ETF/FIXED INCOME 92206C409   554,563 7,168 SH   SOLE   0 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD ETF/FIXED INCOME 92206C409   122,631 1,585 SH   DFND   0 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP ETF/FIXED INCOME 92206C870   176,764 2,175 SH   SOLE   0 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP ETF/FIXED INCOME 92206C870   32,512 400 SH   DFND   0 0 0
VANGUARD INDEX FDS REIT ETF ETF/EQUITIES 922908553   76,783 869 SH   SOLE   0 0 0
VANGUARD SMALL CAP GROWTH ETF ETF/EQUITIES 922908595   145,542 602 SH   SOLE   0 0 0
VANGUARD SMALL CAP GROWTH ETF ETF/EQUITIES 922908595   2,659 11 SH   DFND   0 0 0
VANGUARD EXTENDED MID BLEND ETF ETF/EQUITIES 922908652   23,840 145 SH   SOLE   0 0 0
VANGUARD LARGE CAP GROWTH ETF ETF/EQUITIES 922908736   2,939,028 9,454 SH   SOLE   0 0 0
VANGUARD LARGE CAP GROWTH ETF ETF/EQUITIES 922908736   65,284 210 SH   DFND   0 0 0
VANGUARD LARGE CAP VALUE ETF ETF/EQUITIES 922908744   1,504,405 10,063 SH   SOLE   0 0 0
VANGUARD LARGE CAP VALUE ETF ETF/EQUITIES 922908744   37,673 252 SH   DFND   0 0 0
VANGUARD TOTAL STOCK MARKET ETF ETF/EQUITIES 922908769   462,568 1,950 SH   SOLE   0 0 0
VANGUARD TOTAL STOCK MARKET ETF ETF/EQUITIES 922908769   65,235 275 SH   DFND   0 0 0
VERIZON COMMUNICATIONS COM COMMON STOCK 92343V104   185,670 4,925 SH   SOLE   0 0 0
VERIZON COMMUNICATIONS COM COMMON STOCK 92343V104   68,952 1,829 SH   DFND   480 0 0
VIATRIS INC COM COMMON STOCK 92556V106   14,761 1,365 SH   SOLE   0 0 0
VIATRIS INC COM COMMON STOCK 92556V106   929 86 SH   DFND   0 0 0
VISA INC COM CL A COMMON STOCK 92826C839   19,525 75 SH   SOLE   0 0 0
WK KELLOGG CO COM SHS COMMON STOCK 92942W107   1,600 122 SH   SOLE   0 0 0
WAL MART STORES INC COM COMMON STOCK 931142103   647,933 4,110 SH   SOLE   0 0 0
WAL MART STORES INC COM COMMON STOCK 931142103   25,224 160 SH   DFND   0 0 0
WALGREENS BOOTS ALLIANCE INCCOM COMMON STOCK 931427108   19,445 745 SH   SOLE   0 0 0
WARNER BROS DISCOVERY INC COM SER A COMMON STOCK 934423104   7,644 672 SH   SOLE   0 0 0
WARNER BROS DISCOVERY INC COM SER A COMMON STOCK 934423104   9,638 847 SH   DFND   412 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109   161,190 900 SH   SOLE   0 0 0
WATTS WATER TECHNOLOGIES INC COMMON STOCK 942749102   52,085 250 SH   SOLE   0 0 0
WELLS FARGO COMMON STOCK 949746101   7,382 150 SH   SOLE   0 0 0
WELLS FARGO COMMON STOCK 949746101   4,922 100 SH   DFND   0 0 0
WESTERN DIGITAL CORP COM COMMON STOCK 958102105   5,236 100 SH   SOLE   0 0 0
WESTERN UNION, COMMON COMMON STOCK 959802109   32,243 2,705 SH   SOLE   0 0 0
WESTERN UNION, COMMON COMMON STOCK 959802109   4,768 400 SH   DFND   0 0 0
WOODSIDE ENERGY GROUP LTD SPONSORED ADR FOREIGN EQUITIES 980228308   1,518 72 SH   DFND   0 0 0
YUM BRANDS INC COMMON STOCK 988498101   13,066 100 SH   DFND   0 0 0