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
ATLASSIAN CORPORATION PLC - CLASS A FOREIGN EQUITIES G06242104 21 100 SH   SOLE   100 0 0
ACCENTURE PLC INFORMATION TECHNOLOGY G1151C101 961 3,479 SH   SOLE   3,479 0 0
EATON CORP PLC INDUSTRIALS G29183103 21 150 SH   SOLE   150 0 0
INVESCO LIMITED FINANCIALS G491BT108 3 100 SH   SOLE   100 0 0
APTIV PLC CONSUMER DISCRETIONARY G6095L109 5 35 SH   SOLE   35 0 0
NORWEGIAN CRUISE LINE HOLDINGS LTD CONSUMER DISCRETIONARY G66721104 3 100 SH   SOLE   100 0 0
NOVOCURE LIMITED HEALTHCARE G6674U108 13 100 SH   SOLE   100 0 0
FIVERR INTERNATIONAL LTD. FOREIGN EQUITIES M4R82T106 59 270 SH   SOLE   270 0 0
WIX.COM LTD INFORMATION TECHNOLOGY M98068105 36 128 SH   SOLE   128 0 0
ASML HOLDING N V N Y REGISTRY SHS FOREIGN EQUITIES N07059210 19 30 SH   SOLE   30 0 0
FLEXTRONICS INTL INFORMATION TECHNOLOGY Y2573F102 19 1,050 SH   SOLE   1,050 0 0
AFLAC INC. FINANCIALS 001055102 13 250 SH   DFND   0 250 0
AT&T INC. COMMUNICATION SERVICES 00206R102 1,451 47,931 SH   SOLE   44,923 2,948 60
AT&T INC. COMMUNICATION SERVICES 00206R102 211 6,982 SH   DFND   4,910 2,072 0
ABBOTT LABS HEALTHCARE 002824100 666 5,557 SH   SOLE   5,157 400 0
ABBOTT LABS HEALTHCARE 002824100 144 1,205 SH   DFND   0 1,205 0
ABBVIE INC. HEALTHCARE 00287Y109 1,252 11,572 SH   SOLE   11,077 495 0
ABBVIE INC. HEALTHCARE 00287Y109 267 2,465 SH   DFND   1,250 1,215 0
ABIOMED INC HEALTHCARE 003654100 3 10 SH   SOLE   10 0 0
ACTIVISION BLIZZARD, INC. INFORMATION TECHNOLOGY 00507V109 252 2,715 SH   SOLE   2,715 0 0
ADOBE INC INFORMATION TECHNOLOGY 00724F101 302 635 SH   SOLE   635 0 0
ADVANCED MICRO DEVICES INC INFORMATION TECHNOLOGY 007903107 236 3,010 SH   SOLE   3,010 0 0
ADVANCED MICRO DEVICES INC INFORMATION TECHNOLOGY 007903107 8 100 SH   DFND   0 0 100
AEGON N.V. FINANCIALS 007924103 1 139 SH   SOLE   139 0 0
INVESCO INTERNATIONAL GROWTH FUND MUTUAL FUND 008882532 2 71 SH   SOLE   71 0 0
AIR PRODUCTS & CHEMICALS INC MATERIALS 009158106 243 865 SH   SOLE   865 0 0
ALIGN TECHNOLOGY INC. HEALTHCARE 016255101 5 10 SH   SOLE   10 0 0
ALLSTATE CORP FINANCIALS 020002101 126 1,100 SH   SOLE   800 300 0
ALTRIA GROUP, INC. CONSUMER STAPLES 02209S103 164 3,211 SH   SOLE   3,211 0 0
AMAZON. COM, INC CONSUMER DISCRETIONARY 023135106 5,557 1,796 SH   SOLE   1,786 10 0
AMAZON. COM, INC CONSUMER DISCRETIONARY 023135106 31 10 SH   DFND   10 0 0
AMERICAN ELEC PWR INC UTILITIES 025537101 4 52 SH   SOLE   52 0 0
AMERICAN EXPRESS FINANCIALS 025816109 223 1,580 SH   SOLE   1,543 0 37
AMERICAN EXPRESS FINANCIALS 025816109 42 300 SH   DFND   0 300 0
AMERICAN TOWER CORPORATION COMMUNICATION SERVICES 03027X100 832 3,479 SH   SOLE   3,479 0 0
AMERICAN WATER WORKS INC. CONSUMER DISCRETIONARY 030420103 4 30 SH   SOLE   30 0 0
AMGEN INCORPORATED HEALTHCARE 031162100 395 1,587 SH   SOLE   1,587 0 0
AMGEN INCORPORATED HEALTHCARE 031162100 30 120 SH   DFND   120 0 0
APPIAN CORPORATION INFORMATION TECHNOLOGY 03782L101 37 280 SH   SOLE   280 0 0
APPLE INC INFORMATION TECHNOLOGY 037833100 9,395 76,917 SH   SOLE   75,437 1,400 80
APPLE INC INFORMATION TECHNOLOGY 037833100 332 2,720 SH   DFND   2,560 160 0
APPLE HOSPITALTIY REIT INC COMMON SHARES REAL ESTATE 03784Y200 2 161 SH   SOLE   161 0 0
APPLIED MATL INC INFORMATION TECHNOLOGY 038222105 678 5,076 SH   SOLE   5,076 0 0
ARES CAPITAL CORP FINANCIALS 04010L103 1 30 SH   SOLE   30 0 0
ARISTA NETWORKS INC. INFORMATION TECHNOLOGY 040413106 18 60 SH   SOLE   60 0 0
ARROW FINANCIAL CORPORATION FINANCIALS 042744102 52 1,564 SH   SOLE   1,564 0 0
ASTRAZENECA PLC - ADR HEALTHCARE 046353108 24 475 SH   SOLE   475 0 0
AUTOMATIC DATA PROCESSING INC INFORMATION TECHNOLOGY 053015103 704 3,733 SH   SOLE   3,433 300 0
AUTOMATIC DATA PROCESSING INC INFORMATION TECHNOLOGY 053015103 364 1,930 SH   DFND   1,000 930 0
AXON ENTERPRISE INC COM INDUSTRIALS 05464C101 36 250 SH   SOLE   250 0 0
BP P.L.C. ENERGY 055622104 67 2,750 SH   SOLE   2,750 0 0
BP PRUDHOE BAY ROYALTY TRUST ENERGY 055630107 0 100 SH   SOLE   100 0 0
BAIDU INC - SPON ADR INFORMATION TECHNOLOGY 056752108 3 12 SH   SOLE   12 0 0
BANDWIDTH INC INFORMATION TECHNOLOGY 05988J103 16 130 SH   SOLE   130 0 0
BANK OF AMERICA CORP FINANCIALS 060505104 644 16,649 SH   SOLE   16,649 0 0
BANK OF NEW YORK MELLON CORP FINANCIALS 064058100 44 920 SH   SOLE   920 0 0
BAOUZUN INC-SPN ADR FOREIGN EQUITIES 06684L103 3 75 SH   SOLE   75 0 0
BARRICK GOLD CORP MATERIALS 067901108 3 135 SH   SOLE   135 0 0
BAXTER INTERNATIONAL INC. HEALTHCARE 071813109 84 1,000 SH   SOLE   1,000 0 0
BECTON DICKINSON & CO HEALTHCARE 075887109 600 2,469 SH   SOLE   2,234 235 0
BERKSHIRE HATHAWAY INC. DEL CLASS B FINANCIALS 084670702 2,223 8,700 SH   SOLE   8,700 0 0
BERKSHIRE HATHAWAY INC. DEL CLASS B FINANCIALS 084670702 31 122 SH   DFND   0 122 0
BEYOND MEAT INC COM CONSUMER DISCRETIONARY 08862E109 1 10 SH   SOLE   10 0 0
BIOGEN INC HEALTHCARE 09062X103 4 13 SH   SOLE   13 0 0
BIONTECH SE SPONSORED ADS FOREIGN EQUITIES 09075V102 5 50 SH   SOLE   50 0 0
BLACKROCK INC FINANCIALS 09247X101 906 1,202 SH   SOLE   1,202 0 0
BLACKROCK INC FINANCIALS 09247X101 11 15 SH   DFND   0 15 0
BLOOM ENERGY CORP COM CL A ENERGY 093712107 5 200 SH   SOLE   200 0 0
BOEING INDUSTRIALS 097023105 686 2,695 SH   SOLE   2,640 30 25
BOEING INDUSTRIALS 097023105 118 465 SH   DFND   50 415 0
BRISTOL MYERS SQUIBB CO HEALTHCARE 110122108 1,505 23,836 SH   SOLE   21,836 2,000 0
BRISTOL MYERS SQUIBB CO HEALTHCARE 110122108 278 4,405 SH   DFND   3,000 1,405 0
CBOE GLOBAL MARKETS, INC. FINANCIALS 12503M108 10 100 SH   SOLE   100 0 0
CME GROUP INC. FINANCIALS 12572Q105 5 23 SH   SOLE   23 0 0
CSX CORPORATION INDUSTRIALS 126408103 751 7,785 SH   SOLE   7,785 0 0
CSX CORPORATION INDUSTRIALS 126408103 116 1,200 SH   DFND   1,200 0 0
CVS HEALTH CORP CONSUMER STAPLES 126650100 822 10,925 SH   SOLE   10,925 0 0
CANADIAN NATIONAL RAILWAY CO FOREIGN EQUITIES 136375102 5 40 SH   SOLE   40 0 0
CANADIAN PACIFIC RAILWAY LTD FOREIGN EQUITIES 13645T100 66 173 SH   SOLE   173 0 0
CANADIAN SOLAR INC COM ENERGY 136635109 50 1,000 SH   SOLE   1,000 0 0
CAPITAL ONE FINANCIAL CORP FINANCIALS 14040H105 11 90 SH   SOLE   90 0 0
CAREDX INC COM HEALTHCARE 14167L103 3 40 SH   SOLE   40 0 0
CARGURUS INC COM CL A CONSUMER DISCRETIONARY 141788109 24 1,000 SH   SOLE   1,000 0 0
CARRIER GLOBAL CORPORATION INDUSTRIALS 14448C104 289 6,835 SH   SOLE   6,135 700 0
CARRIER GLOBAL CORPORATION INDUSTRIALS 14448C104 53 1,265 SH   DFND   655 610 0
CASEY'S GENERAL STORES INC CONSUMER DISCRETIONARY 147528103 15 70 SH   SOLE   70 0 0
CATERPILLAR INC INDUSTRIALS 149123101 1,718 7,409 SH   SOLE   7,314 70 25
CATERPILLAR INC INDUSTRIALS 149123101 443 1,910 SH   DFND   1,375 535 0
CENOVUS ENERGY INC. ENERGY 15135U109 3 400 SH   SOLE   400 0 0
CENTERPOINT ENERGY, INC UTILITIES 15189T107 27 1,200 SH   SOLE   1,200 0 0
CENTERPOINT ENERGY, INC UTILITIES 15189T107 91 4,000 SH   DFND   4,000 0 0
CHARTER COMMUNICATIONS,INC-A COMMUNICATION SERVICES 16119P108 15 24 SH   SOLE   24 0 0
CHEGG INC COM CONSUMER DISCRETIONARY 163092109 21 250 SH   SOLE   250 0 0
CHEVRON CORPORATION ENERGY 166764100 1,314 12,543 SH   SOLE   12,125 418 0
CHEVRON CORPORATION ENERGY 166764100 190 1,810 SH   DFND   1,195 615 0
CISCO SYSTEMS INC. INFORMATION TECHNOLOGY 17275R102 1,535 29,689 SH   SOLE   29,124 500 65
CISCO SYSTEMS INC. INFORMATION TECHNOLOGY 17275R102 67 1,305 SH   DFND   30 1,275 0
CIRRUS LOGIC INC INFORMATION TECHNOLOGY 172755100 8 100 SH   SOLE   100 0 0
CITIGROUP INC. FINANCIALS 172967424 180 2,468 SH   SOLE   2,468 0 0
CLOROX COMPANY CONSUMER STAPLES 189054109 82 425 SH   SOLE   425 0 0
CLOROX COMPANY CONSUMER STAPLES 189054109 39 200 SH   DFND   0 200 0
CLOUDFLARE INC CL A COM INFORMATION TECHNOLOGY 18915M107 12 175 SH   SOLE   175 0 0
COCA COLA CO CONSUMER STAPLES 191216100 1,182 22,433 SH   SOLE   19,878 2,555 0
COCA COLA CO CONSUMER STAPLES 191216100 254 4,815 SH   DFND   3,680 1,135 0
COGNIZANT TECHNOLOGY SOLUTIONS CORP INFORMATION TECHNOLOGY 192446102 8 100 SH   SOLE   100 0 0
COLGATE PALMOLIVE CONSUMER STAPLES 194162103 791 10,030 SH   SOLE   9,995 0 35
COLGATE PALMOLIVE CONSUMER STAPLES 194162103 126 1,594 SH   DFND   1,374 220 0
COMCAST CORP NEW CL A CONSUMER DISCRETIONARY 20030N101 266 4,911 SH   SOLE   4,911 0 0
CONOCOPHILLIPS ENERGY 20825C104 192 3,628 SH   SOLE   3,628 0 0
CONOCOPHILLIPS ENERGY 20825C104 7 140 SH   DFND   20 120 0
CONSOLIDATED EDISON INC UTILITIES 209115104 34 460 SH   SOLE   460 0 0
CORNING INC INFORMATION TECHNOLOGY 219350105 540 12,405 SH   SOLE   12,405 0 0
COSTCO WHSL CORP NEW CONSUMER STAPLES 22160K105 531 1,507 SH   SOLE   1,507 0 0
COUPA SOFTWARE INC COM INFORMATION TECHNOLOGY 22266L106 25 100 SH   SOLE   100 0 0
CUMMINS INC INDUSTRIALS 231021106 234 902 SH   SOLE   902 0 0
CUMMINS INC INDUSTRIALS 231021106 29 110 SH   DFND   110 0 0
DNP SELECT INCOME FUND INC FIXED INCOME 23325P104 15 1,500 SH   SOLE   1,500 0 0
D R HORTON INC CONSUMER DISCRETIONARY 23331A109 17 190 SH   SOLE   190 0 0
DTE ENERGY CO UTILITIES 233331107 42 315 SH   SOLE   315 0 0
DANAHER CORP HEALTHCARE 235851102 738 3,280 SH   SOLE   3,280 0 0
DANAHER CORP HEALTHCARE 235851102 191 850 SH   DFND   500 350 0
DATADOG INC CLASS A INFORMATION TECHNOLOGY 23804L103 35 425 SH   SOLE   425 0 0
DEERE & CO (JOHN DEERE) INDUSTRIALS 244199105 580 1,550 SH   SOLE   1,340 210 0
DELTA AIR LINES INC CONSUMER DISCRETIONARY 247361702 37 775 SH   SOLE   775 0 0
DENTSPLY SIRONA INC CONSUMER DISCRETIONARY 24906P109 8 120 SH   SOLE   120 0 0
DIAGEO PLC CONSUMER DISCRETIONARY 25243Q205 22 134 SH   SOLE   134 0 0
DISNEY (WALT) COMPANY HOLDING CO CONSUMER DISCRETIONARY 254687106 2,267 12,284 SH   SOLE   12,259 0 25
DISNEY (WALT) COMPANY HOLDING CO CONSUMER DISCRETIONARY 254687106 241 1,308 SH   DFND   220 1,088 0
DISCOVER FINANCIAL SERVICES FINANCIALS 254709108 42 440 SH   SOLE   440 0 0
DOCUSIGN INC INFORMATION TECHNOLOGY 256163106 48 235 SH   SOLE   235 0 0
DOLLAR GENERAL CORP CONSUMER DISCRETIONARY 256677105 30 150 SH   SOLE   150 0 0
DOLLAR TREE, INC. CONSUMER DISCRETIONARY 256746108 23 200 SH   SOLE   200 0 0
DOMINION ENERGY, INC. UTILITIES 25746U109 260 3,419 SH   SOLE   3,329 90 0
DOMINION ENERGY, INC. UTILITIES 25746U109 48 635 SH   DFND   635 0 0
DOMINO'S PIZZA INC CONSUMER DISCRETIONARY 25754A201 24 65 SH   SOLE   65 0 0
DOW INC. MATERIALS 260557103 145 2,273 SH   SOLE   1,606 667 0
DOW INC. MATERIALS 260557103 5 85 SH   DFND   0 85 0
DUKE ENERGY CORPORATION NEW ENERGY 26441C204 148 1,530 SH   SOLE   1,530 0 0
EBAY INC CONSUMER DISCRETIONARY 278642103 15 242 SH   SOLE   242 0 0
EDISON INTERNATIONAL UTILITIES 281020107 1 10 SH   SOLE   10 0 0
ELECTRONIC ARTS INC INFORMATION TECHNOLOGY 285512109 7 55 SH   SOLE   55 0 0
EMERSON ELECTRIC INDUSTRIALS 291011104 372 4,128 SH   SOLE   2,648 1,480 0
EMERSON ELECTRIC INDUSTRIALS 291011104 200 2,215 SH   DFND   500 1,715 0
ENBRIDGE INC ENERGY 29250N105 43 1,189 SH   SOLE   1,189 0 0
ENERGY TRANSFER LP COM UT LTD PTN ENERGY 29273V100 10 1,309 SH   SOLE   1,309 0 0
ENTERGY CORPORATION UTILITIES 29364G103 80 800 SH   DFND   800 0 0
ENTERPRISE PRODUCTS PARTNERS L.P. ENERGY 293792107 84 3,811 SH   SOLE   3,811 0 0
EQUITY RESIDENTIAL SHARES OF BENEFICIAL INT FINANCIALS 29476L107 4 50 SH   SOLE   50 0 0
ESPEY MFG. & ELECTRONICS CORP INDUSTRIALS 296650104 89 5,847 SH   SOLE   5,847 0 0
ESPEY MFG. & ELECTRONICS CORP INDUSTRIALS 296650104 3 200 SH   DFND   100 0 100
ETSY INC CONSUMER DISCRETIONARY 29786A106 45 225 SH   SOLE   225 0 0
EXACT SCIENCES CORP COM HEALTHCARE 30063P105 30 225 SH   SOLE   225 0 0
EXELON CORP UTILITIES 30161N101 29 665 SH   SOLE   390 275 0
EXELON CORP UTILITIES 30161N101 48 1,090 SH   DFND   1,090 0 0
EXXON MOBIL CORP ENERGY 30231G102 902 16,160 SH   SOLE   11,030 5,130 0
EXXON MOBIL CORP ENERGY 30231G102 281 5,038 SH   DFND   1,984 3,054 0
FACEBOOK INC INFORMATION TECHNOLOGY 30303M102 1,686 5,725 SH   SOLE   5,620 105 0
FACEBOOK INC INFORMATION TECHNOLOGY 30303M102 21 70 SH   DFND   70 0 0
FAIR ISAAC CORPORATION INFORMATION TECHNOLOGY 303250104 7 15 SH   SOLE   15 0 0
FASTLY INC CLASS A INFORMATION TECHNOLOGY 31188V100 21 310 SH   SOLE   310 0 0
FATE THERAPEUTICS INC COM HEALTHCARE 31189P102 2 30 SH   SOLE   30 0 0
FEDEX CORPORATION INDUSTRIALS 31428X106 137 482 SH   SOLE   482 0 0
FEDEX CORPORATION INDUSTRIALS 31428X106 36 125 SH   DFND   125 0 0
FIDELITY MSCI INFORMATION TECHNOLOGY INDEX ETF INFORMATION TECHNOLOGY 316092808 224 2,115 SH   SOLE   2,115 0 0
FIFTH THIRD BANCORP FINANCIALS 316773100 25 675 SH   SOLE   675 0 0
FIRST TRUST NASDAQ CLEAN EDGE GREEN ENERGY ETF Exchange Traded Funds - Equity 33733E500 111 1,616 SH   SOLE   1,616 0 0
FIRST TRUST NEW OPPORTUNITIES MLP ENERGY 33739M100 7 1,260 SH   SOLE   1,260 0 0
FIRSTENERGY CORP UTILITIES 337932107 7 205 SH   SOLE   205 0 0
FORD MOTOR CO DEL CONSUMER DISCRETIONARY 345370860 76 6,200 SH   SOLE   6,200 0 0
FORTIVE CORPORATION INFORMATION TECHNOLOGY 34959J108 20 287 SH   DFND   100 187 0
FRANKLIN RESOURCES, INC. FINANCIALS 354613101 4 150 SH   SOLE   150 0 0
FREEPORT-MCMORAN COPPER & GOLD CLASS B MATERIALS 35671D857 4 110 SH   SOLE   110 0 0
FRESHPET INC CONSUMER STAPLES 358039105 12 75 SH   SOLE   75 0 0
FULGENT GENETICS INC. HEALTHCARE 359664109 65 670 SH   SOLE   670 0 0
GAMESTOP CORP NEW CL A CONSUMER DISCRETIONARY 36467W109 1 3 SH   SOLE   3 0 0
GENERAL DYNAMICS CORPORATION INDUSTRIALS 369550108 472 2,599 SH   SOLE   2,599 0 0
GENERAL DYNAMICS CORPORATION INDUSTRIALS 369550108 12 65 SH   DFND   65 0 0
GENERAL ELECTRIC CO INDUSTRIALS 369604103 381 29,047 SH   SOLE   20,347 8,700 0
GENERAL ELECTRIC CO INDUSTRIALS 369604103 1 100 SH   DFND   0 0 100
GENERAL MILLS, INC CONSUMER STAPLES 370334104 100 1,630 SH   SOLE   1,030 600 0
GENERAL MILLS, INC CONSUMER STAPLES 370334104 86 1,400 SH   DFND   1,400 0 0
GILEAD SCIENCES, INC. HEALTHCARE 375558103 174 2,700 SH   SOLE   2,700 0 0
GILEAD SCIENCES, INC. HEALTHCARE 375558103 10 150 SH   DFND   0 150 0
GLADSTONE COMMERCIAL CORP CONSUMER DISCRETIONARY 376536108 22 1,100 SH   SOLE   1,100 0 0
GLAXO SMITHKLINE PLC SPON ADR HEALTHCARE 37733W105 20 570 SH   SOLE   570 0 0
GLAXO SMITHKLINE PLC SPON ADR HEALTHCARE 37733W105 14 400 SH   DFND   400 0 0
GUARDANT HEALTH INC. HEALTHCARE 40131M109 18 115 SH   SOLE   115 0 0
HSBC HOLDINGS PLC SPONS ADRS FINANCIALS 404280406 18 607 SH   SOLE   607 0 0
HALLIBURTON COMPANY ENERGY 406216101 4 180 SH   SOLE   180 0 0
HARLEY DAVIDSON CONSUMER DISCRETIONARY 412822108 12 310 SH   SOLE   310 0 0
HELMERICH & PAYNE, INC. ENERGY 423452101 4 160 SH   SOLE   160 0 0
THE HERSHEY COMPANY CONSUMER STAPLES 427866108 32 200 SH   SOLE   200 0 0
HOME DEPOT INC CONSUMER DISCRETIONARY 437076102 2,413 7,906 SH   SOLE   6,881 1,025 0
HOME DEPOT INC CONSUMER DISCRETIONARY 437076102 513 1,680 SH   DFND   900 780 0
HONEYWELL INTERNATIONAL INC INDUSTRIALS 438516106 555 2,556 SH   SOLE   2,556 0 0
HUBSPOT INC. INFORMATION TECHNOLOGY 443573100 73 160 SH   SOLE   160 0 0
ILLINOIS TOOL WORKS INC. INDUSTRIALS 452308109 229 1,032 SH   SOLE   1,032 0 0
INTEL CORP INFORMATION TECHNOLOGY 458140100 2,975 46,486 SH   SOLE   43,571 2,850 65
INTEL CORP INFORMATION TECHNOLOGY 458140100 529 8,264 SH   DFND   5,949 2,315 0
INTERACTIVE BROKERS GRO-CL A FINANCIALS 45841N107 18 250 SH   SOLE   250 0 0
INTERCONTINENTAL EXCHANGE INCOM FINANCIALS 45866F104 3 25 SH   SOLE   25 0 0
INTL BUSINESS MACHINES INFORMATION TECHNOLOGY 459200101 566 4,248 SH   SOLE   4,168 80 0
INTL BUSINESS MACHINES INFORMATION TECHNOLOGY 459200101 196 1,472 SH   DFND   500 972 0
INTERNATIONAL PAPER CO MATERIALS 460146103 232 4,300 SH   SOLE   4,265 0 35
INTUITIVE SURGICAL INC HEALTHCARE 46120E602 21 28 SH   SOLE   28 0 0
INVESCO GLOBAL WATER ETF Exchange Traded Funds - Equity 46138E651 54 1,500 SH   SOLE   1,500 0 0
INVESCO FTSE RAGI EMERGING MARKETS ETF Exchange Traded Funds - Equity 46138E727 1 51 SH   SOLE   51 0 0
INVITAE CORP COM HEALTHCARE 46185L103 9 225 SH   SOLE   225 0 0
IOVANCE BIOTHERAPEUTICS INC COM HEALTHCARE 462260100 2 65 SH   SOLE   65 0 0
IQIYI, INC. - ADR INFORMATION TECHNOLOGY 46267X108 2 100 SH   SOLE   100 0 0
IROBOT CORPORATION INDUSTRIALS 462726100 4 30 SH   SOLE   30 0 0
ETF ISHARES SILVER TR MUTUAL FUND 46428Q109 86 3,810 SH   SOLE   3,810 0 0
ISHARES GOLD TRUST Exchange Traded Funds - Equity 464285105 49 3,026 SH   SOLE   3,026 0 0
ISHARES MSCI AUSTRALIA ETF MUTUAL FUND 464286103 7 300 SH   DFND   300 0 0
ISHARES MSCI CANADA ETF MUTUAL FUND 464286509 9 250 SH   DFND   250 0 0
ISHARES S & P 100 ETF MUTUAL FUND 464287101 1,323 7,355 SH   SOLE   7,355 0 0
ISHARES SELECT DIVIDEND ETF MUTUAL FUND 464287168 51 450 SH   SOLE   450 0 0
ISHARES TIPS BOND ETF FIXED INCOME 464287176 6,166 49,133 SH   SOLE   48,648 0 485
ISHARES TIPS BOND ETF FIXED INCOME 464287176 819 6,527 SH   DFND   5,985 542 0
ISHARES CHINA LARGE CAP ETF MUTUAL FUND 464287184 5 115 SH   DFND   0 115 0
ISHARES CORE S&P 500 ETF Exchange Traded Funds - Equity 464287200 45 114 SH   SOLE   114 0 0
ISHARES CORE TOTAL US AGGREGATE BOND ETF-W FIXED INCOME 46428722W 1,689 14,835 SH   SOLE   14,835 0 0
ISHARES CORE TOTAL US AGGREGATE BOND ETF FIXED INCOME 464287226 5,328 46,808 SH   SOLE   46,808 0 0
ISHARES MSCI EMERGING MARKETS ETF Exchange Traded Funds - Equity 464287234 18 340 SH   SOLE   340 0 0
ISHARES MSCI EAFE ETF FUND MUTUAL FUND 464287465 755 9,957 SH   SOLE   9,957 0 0
ISHARES MSCI EAFE ETF FUND MUTUAL FUND 464287465 36 470 SH   DFND   0 470 0
ISHARES RUSSELL MIDCAP ETF Exchange Traded Funds - Equity 464287499 199 2,695 SH   SOLE   2,695 0 0
ISHARES CORE S&P MID CAP ETF Exchange Traded Funds - Equity 464287507 515 1,979 SH   SOLE   1,979 0 0
ISHARES COHEN & STEERS REIT ETF Exchange Traded Funds - Equity 464287564 9 156 SH   SOLE   156 0 0
ISHARES RUSSELL 1000 VALUE INDEX FUND MUTUAL FUND 464287598 27 176 SH   SOLE   176 0 0
ISHARES RUSSELL 1000 GROWTH ETF MUTUAL FUND 464287614 1,414 5,819 SH   SOLE   5,819 0 0
ISHARES RUSSELL 2000 GROWTH ETF Exchange Traded Funds - Equity 464287648 420 1,395 SH   SOLE   1,395 0 0
ISHARES RUSSELL 2000 ETF Exchange Traded Funds - Equity 464287655 177 803 SH   SOLE   803 0 0
ISHARES CORE S&P SMALL-CAP ETF MUTUAL FUND 464287804 4,009 36,936 SH   SOLE   36,856 0 80
ISHARES CORE S&P SMALL-CAP ETF MUTUAL FUND 464287804 166 1,533 SH   DFND   540 993 0
ETF ISHARES GLOBAL CLEAN ENERGY Exchange Traded Funds - Equity 464288224 126 5,175 SH   SOLE   5,175 0 0
ISHARES MSCI KLD 400 SOCIAL MUTUAL FUND 464288570 50 660 SH   SOLE   660 0 0
ISHARES DOW JONES US HOME CONSTRUCTION INDEX Exchange Traded Funds - Equity 464288752 41 605 SH   SOLE   605 0 0
ISHARES MSCI USA ESG SELECT MUTUAL FUND 464288802 53 600 SH   SOLE   600 0 0
ISHARES CORE MSCI EMERGING MARKET ETF Exchange Traded Funds - Equity 46434G103 13 205 SH   SOLE   205 0 0
ISHARES MSCI SINGAPORE ETF Exchange Traded Funds - Equity 46434G780 6 264 SH   DFND   264 0 0
JPMORGAN CHASE & CO COM FINANCIALS 46625H100 3,072 20,177 SH   SOLE   19,087 1,065 25
JPMORGAN CHASE & CO COM FINANCIALS 46625H100 148 975 SH   DFND   945 30 0
JACOBS ENGINERRING GROUP CONSUMER DISCRETIONARY 469814107 11 85 SH   SOLE   85 0 0
JD.COM INC.-ADR CONSUMER DISCRETIONARY 47215P106 7 85 SH   SOLE   85 0 0
JOHN HANCOCK MULTIFACTOR SMALL CAP ETF Exchange Traded Funds - Equity 47804J842 12 343 SH   SOLE   343 0 0
JOHNSON & JOHNSON HEALTHCARE 478160104 3,545 21,569 SH   SOLE   20,389 1,150 30
JOHNSON & JOHNSON HEALTHCARE 478160104 565 3,440 SH   DFND   1,385 2,055 0
KELLOGG COMPANY CONSUMER STAPLES 487836108 13 200 SH   DFND   200 0 0
KEYCORP NEW COM FINANCIALS 493267108 11 542 SH   SOLE   542 0 0
KIMBERLY CLARK CONSUMER STAPLES 494368103 227 1,635 SH   SOLE   1,565 70 0
KIMBERLY CLARK CONSUMER STAPLES 494368103 139 1,000 SH   DFND   1,000 0 0
LAM RESEARCH CORP COMMON HEALTHCARE 512807108 15 25 SH   SOLE   25 0 0
ELI LILLY & CO HEALTHCARE 532457108 671 3,592 SH   SOLE   3,592 0 0
ELI LILLY & CO HEALTHCARE 532457108 410 2,195 SH   DFND   2,050 145 0
LITTELFUSE INC INFORMATION TECHNOLOGY 537008104 13 50 SH   SOLE   50 0 0
LOCKHEED MARTIN CORP INDUSTRIALS 539830109 1,716 4,644 SH   SOLE   4,324 320 0
LOCKHEED MARTIN CORP INDUSTRIALS 539830109 347 940 SH   DFND   940 0 0
LOWES COMPANIES INC CONSUMER DISCRETIONARY 548661107 525 2,758 SH   SOLE   2,683 0 75
LOWES COMPANIES INC CONSUMER DISCRETIONARY 548661107 46 240 SH   DFND   240 0 0
LULULEMON ATHLETICA INC CONSUMER DISCRETIONARY 550021109 12 40 SH   SOLE   40 0 0
MANULIFE FINANCIAL FINANCIALS 56501R106 14 645 SH   SOLE   645 0 0
MARATHON PETROLEUM CORPORATION ENERGY 56585A102 62 1,150 SH   SOLE   1,150 0 0
MARKEL CORP HOLDING COMPANY FINANCIALS 570535104 11 10 SH   SOLE   10 0 0
MARRIOTT INTERNATIONAL INC. CLASS A CONSUMER DISCRETIONARY 571903202 10 65 SH   SOLE   65 0 0
MASIMO CORPORATION HEALTHCARE 574795100 3 12 SH   SOLE   12 0 0
MASTERCARD INC - CLASS A FINANCIALS 57636Q104 244 684 SH   SOLE   619 65 0
MATERIALISE NV SPONSORED ADS INFORMATION TECHNOLOGY 57667T100 2 65 SH   SOLE   65 0 0
MCCORMICK & CO. CONSUMER STAPLES 579780206 143 1,600 SH   SOLE   200 1,400 0
MCDONALDS CORP CONSUMER DISCRETIONARY 580135101 2,130 9,501 SH   SOLE   8,701 785 15
MCDONALDS CORP CONSUMER DISCRETIONARY 580135101 593 2,647 SH   DFND   1,300 1,347 0
MCKESSON CORPORATION HEALTHCARE 58155Q103 93 475 SH   SOLE   475 0 0
MERCADOLIBRE INC INFORMATION TECHNOLOGY 58733R102 29 20 SH   SOLE   20 0 0
MERCK & CO., INC HEALTHCARE 58933Y105 553 7,178 SH   SOLE   6,758 420 0
MERCK & CO., INC HEALTHCARE 58933Y105 116 1,500 SH   DFND   1,500 0 0
METLIFE INC FINANCIALS 59156R108 795 13,077 SH   SOLE   13,047 0 30
MICROSOFT CORP INFORMATION TECHNOLOGY 594918104 5,401 22,906 SH   SOLE   21,456 1,450 0
MICROSOFT CORP INFORMATION TECHNOLOGY 594918104 528 2,240 SH   DFND   1,430 810 0
HERMAN MILLER INC. CONSUMER DISCRETIONARY 600544100 3 85 SH   SOLE   85 0 0
MONDELEZ INTERNATIONAL INC CONSUMER STAPLES 609207105 121 2,076 SH   SOLE   1,076 1,000 0
MONGODB, INC. INFORMATION TECHNOLOGY 60937P106 24 88 SH   SOLE   88 0 0
MORGAN STANLEY FINANCIALS 617446448 275 3,538 SH   SOLE   3,538 0 0
NIO INC SPON ADS CONSUMER DISCRETIONARY 62914V106 32 830 SH   SOLE   830 0 0
NASDAQ STOCK MARKET INC FINANCIALS 631103108 7 50 SH   SOLE   50 0 0
NETAPP, INC. INFORMATION TECHNOLOGY 64110D104 7 100 SH   SOLE   100 0 0
NETFLIX INC INFORMATION TECHNOLOGY 64110L106 497 953 SH   SOLE   953 0 0
NEW JERSEY RESOURCES CORP UTILITIES 646025106 36 912 SH   SOLE   912 0 0
NEW RELIC INC INFORMATION TECHNOLOGY 64829B100 4 65 SH   SOLE   65 0 0
NEWELL BRANDS INC CONSUMER DISCRETIONARY 651229106 0 16 SH   SOLE   16 0 0
NEWMONT CORPORATION MATERIALS 651639106 89 1,482 SH   SOLE   1,482 0 0
NEXTERA ENERGY INC UTILITIES 65339F101 2,330 30,820 SH   SOLE   29,620 1,200 0
NEXTERA ENERGY INC UTILITIES 65339F101 250 3,310 SH   DFND   2,750 560 0
NICE LTD - AMERICAN DEPOSITORY SHARES INFORMATION TECHNOLOGY 653656108 7 30 SH   SOLE   30 0 0
NIKE, INC CONSUMER DISCRETIONARY 654106103 785 5,910 SH   SOLE   5,910 0 0
NIKOLA CORPORATION INDUSTRIALS 654110105 8 550 SH   SOLE   550 0 0
NORTHROP GRUMMAN CORP INDUSTRIALS 666807102 417 1,287 SH   SOLE   1,287 0 0
NOVARTIS AG - ADR FOREIGN EQUITIES 66987V109 11 130 SH   SOLE   0 130 0
NOVAVAX INC HEALTHCARE 670002401 42 231 SH   SOLE   231 0 0
NUCOR MATERIALS 670346105 120 1,500 SH   SOLE   900 600 0
NUCOR MATERIALS 670346105 64 800 SH   DFND   800 0 0
NVIDIA CORP. INFORMATION TECHNOLOGY 67066G104 1,735 3,249 SH   SOLE   3,249 0 0
NUSHARES ETF TR NUVEEN ESG SMLCP Exchange Traded Funds - Equity 67092P607 366 8,500 SH   SOLE   8,500 0 0
OAKTREE SPECIALTY LENDING COCOM FINANCIALS 67401P108 12 1,909 SH   SOLE   1,909 0 0
ORACLE CORPORATION INFORMATION TECHNOLOGY 68389X105 393 5,603 SH   SOLE   5,603 0 0
ORACLE CORPORATION INFORMATION TECHNOLOGY 68389X105 12 170 SH   DFND   0 170 0
OTIS WORLDWIDE CORPORATION INDUSTRIALS 68902V107 233 3,408 SH   SOLE   3,058 350 0
OTIS WORLDWIDE CORPORATION INDUSTRIALS 68902V107 43 632 SH   DFND   327 305 0
P G & E CORP UTILITIES 69331C108 0 10 SH   SOLE   10 0 0
PNC FINANCIAL SERVICES GROUP INC FINANCIALS 693475105 60 343 SH   SOLE   343 0 0
PPL CORP UTILITIES 69351T106 9 320 SH   SOLE   320 0 0
PACIFIC BIOSCIENCES CALIF INCOM HEALTHCARE 69404D108 4 130 SH   SOLE   130 0 0
PACIRA BIOSCIENCES, INC HEALTHCARE 695127100 42 600 SH   SOLE   600 0 0
PAGERDUTY INC COM INFORMATION TECHNOLOGY 69553P100 3 65 SH   SOLE   65 0 0
PALO ALTO NETWORKS INC INFORMATION TECHNOLOGY 697435105 5 15 SH   SOLE   15 0 0
PELOTON INTERACTIVE INC CLASS A CONSUMER DISCRETIONARY 70614W100 47 418 SH   SOLE   418 0 0
PEPSICO INC CONSUMER STAPLES 713448108 2,660 18,808 SH   SOLE   18,513 295 0
PEPSICO INC CONSUMER STAPLES 713448108 537 3,795 SH   DFND   2,030 1,765 0
PERKIN ELMER, INC INFORMATION TECHNOLOGY 714046109 16 125 SH   SOLE   125 0 0
PERSONALIS INC COM HEALTHCARE 71535D106 2 75 SH   SOLE   75 0 0
PETMED EXPRESS INC. HEALTHCARE 716382106 4 100 SH   SOLE   100 0 0
PFIZER INC HEALTHCARE 717081103 1,161 32,059 SH   SOLE   29,503 2,556 0
PFIZER INC HEALTHCARE 717081103 159 4,400 SH   DFND   4,000 400 0
PHILIP MORRIS INTERNATIONAL W/I CONSUMER DISCRETIONARY 718172109 128 1,446 SH   SOLE   1,446 0 0
PHILLIPS 66 ENERGY 718546104 604 7,409 SH   SOLE   7,199 210 0
PHILLIPS 66 ENERGY 718546104 81 997 SH   DFND   895 102 0
PINTEREST INC CL A COMMUNICATION SERVICES 72352L106 68 915 SH   SOLE   915 0 0
PLAINS ALL AMERICAN PIPELINE ENERGY 726503105 44 4,800 SH   SOLE   4,800 0 0
PLUG POWER INC. INFORMATION TECHNOLOGY 72919P202 53 1,490 SH   SOLE   1,490 0 0
POST HOLDINGS INC CONSUMER STAPLES 737446104 5 50 SH   SOLE   50 0 0
T ROWE PRICE GROUP INC FINANCIALS 74144T108 34 200 SH   SOLE   200 0 0
PROCTER & GAMBLE CO CONSUMER STAPLES 742718109 3,531 26,075 SH   SOLE   24,368 1,672 35
PROCTER & GAMBLE CO CONSUMER STAPLES 742718109 670 4,950 SH   DFND   2,935 2,015 0
PROTO LABS INC COM INDUSTRIALS 743713109 2 20 SH   SOLE   20 0 0
PRUDENTIAL FINANCIAL INC FINANCIALS 744320102 193 2,124 SH   SOLE   2,124 0 0
PUBLIC SERVICE ENTERPRISE GROUP, INC UTILITIES 744573106 40 672 SH   SOLE   672 0 0
PUBMATIC INC COM CL A CONSUMER DISCRETIONARY 74467Q103 6 115 SH   SOLE   115 0 0
QUALCOMM INC INFORMATION TECHNOLOGY 747525103 1,231 9,286 SH   SOLE   9,021 235 30
QUALCOMM INC INFORMATION TECHNOLOGY 747525103 88 665 SH   DFND   665 0 0
QUANTA SERVICES INC INDUSTRIALS 74762E102 63 712 SH   SOLE   712 0 0
QUIDEL CORP COM HEALTHCARE 74838J101 13 100 SH   SOLE   100 0 0
REGENERON PHARMACEUTICALS HEALTHCARE 75886F107 119 251 SH   SOLE   251 0 0
REPLIGEN CORPORATION HEALTHCARE 759916109 49 250 SH   SOLE   250 0 0
RIO TINTO PLC MATERIALS 767204100 39 500 SH   SOLE   500 0 0
ROCHE HOLDING AG HEALTHCARE 771195104 4 103 SH   SOLE   103 0 0
ROKU INC CONSUMER DISCRETIONARY 77543R102 41 125 SH   SOLE   125 0 0
ROYAL DUTCH SHELL PLC-ADR ENERGY 780259107 2 64 SH   SOLE   64 0 0
ROYAL DUTCH SHELL PLC ADR ENERGY 780259206 25 640 SH   SOLE   640 0 0
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SPDR S & P 500 ETF TRUST MUTUAL FUND 78462F103 640 1,615 SH   DFND   1,020 595 0
SPDR GOLD TRUST MUTUAL FUND 78463V107 189 1,184 SH   SOLE   1,184 0 0
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S & P MIDCAP 400 DEPOSITORY RECEIPTS ETF MUTUAL FUND 78467Y107 6,232 13,091 SH   SOLE   13,039 0 52
S & P MIDCAP 400 DEPOSITORY RECEIPTS ETF MUTUAL FUND 78467Y107 278 583 SH   DFND   230 353 0
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SCHLUMBERGER LTD ENERGY 806857108 8 300 SH   DFND   0 300 0
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SEMPRA ENERGY UTILITIES 816851109 119 895 SH   SOLE   895 0 0
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SIEMENS AG FOREIGN EQUITIES 826197501 26 315 SH   SOLE   315 0 0
SIMON PROPERTY GROUP FINANCIALS 828806109 30 268 SH   SOLE   268 0 0
J.M. SMUCKER COMPANY CONSUMER STAPLES 832696405 203 1,606 SH   SOLE   655 951 0
SNAP-ON INC CONSUMER DISCRETIONARY 833034101 71 309 SH   SOLE   309 0 0
SONY CORP ADR FOREIGN EQUITIES 835699307 16 155 SH   SOLE   155 0 0
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STARBUCKS CORPORATION CONSUMER DISCRETIONARY 855244109 426 3,902 SH   SOLE   3,902 0 0
STARBUCKS CORPORATION CONSUMER DISCRETIONARY 855244109 10 92 SH   DFND   0 92 0
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STRYKER CORP HEALTHCARE 863667101 923 3,789 SH   SOLE   3,789 0 0
STRYKER CORP HEALTHCARE 863667101 61 250 SH   DFND   140 110 0
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SYSCO CORPORATION CONSUMER STAPLES 871829107 17 220 SH   SOLE   220 0 0
TJX COS INC NEW CONSUMER DISCRETIONARY 872540109 39 591 SH   SOLE   591 0 0
T-MOBILE US INC COMMUNICATION SERVICES 872590104 8 60 SH   SOLE   60 0 0
TAKE-TWO INTERACTIVE SOFTWARE, INC. INFORMATION TECHNOLOGY 874054109 17 95 SH   SOLE   95 0 0
TARGET CORP CONSUMER DISCRETIONARY 87612E106 647 3,266 SH   SOLE   3,094 130 42
TARGET CORP CONSUMER DISCRETIONARY 87612E106 277 1,400 SH   DFND   520 880 0
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TESLA MOTORS INC CONSUMER DISCRETIONARY 88160R101 763 1,143 SH   SOLE   1,143 0 0
TEVA PHARMACEUTICAL INDUSTRIES LTD. ADS HEALTHCARE 881624209 4 334 SH   SOLE   134 0 200
TEXAS INSTRUMENTS INFORMATION TECHNOLOGY 882508104 80 424 SH   SOLE   424 0 0
TEXTRON INC INDUSTRIALS 883203101 4 65 SH   SOLE   65 0 0
THE TRADE DESK, INC. INFORMATION TECHNOLOGY 88339J105 52 80 SH   SOLE   80 0 0
3M CO COM INDUSTRIALS 88579Y101 442 2,293 SH   SOLE   1,778 515 0
3M CO COM INDUSTRIALS 88579Y101 161 835 SH   DFND   835 0 0
TORONTO-DOMINION BANK NEW FOREIGN EQUITIES 891160509 25 381 SH   SOLE   381 0 0
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TOYOTA MOTOR CORP ADR CONSUMER DISCRETIONARY 892331307 16 100 SH   SOLE   100 0 0
TRAVELERS COS INC FINANCIALS 89417E109 102 680 SH   SOLE   680 0 0
TWILIO INC. - A INFORMATION TECHNOLOGY 90138F102 34 101 SH   SOLE   101 0 0
TWIST BIOSCIENCE CORP COM HEALTHCARE 90184D100 2 20 SH   SOLE   20 0 0
US BANCORP DEL COM NEW FINANCIALS 902973304 130 2,343 SH   SOLE   2,343 0 0
US BANCORP DEL COM NEW FINANCIALS 902973304 7 120 SH   DFND   120 0 0
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VAIL RESORTS INC. CONSUMER DISCRETIONARY 91879Q109 4 15 SH   SOLE   15 0 0
VALERO ENERGY NEW ENERGY 91913Y100 196 2,735 SH   SOLE   2,620 115 0
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WELLS FARGO & CO NEW FINANCIALS 949746101 27 700 SH   DFND   700 0 0
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THE WILLIAMS CO. INC. ENERGY 969457100 58 2,444 SH   SOLE   2,444 0 0
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WORLD FUEL SERVICES CORPORATION INDUSTRIALS 981475106 11 320 SH   SOLE   320 0 0
YUM BRANDS INC. CONSUMER DISCRETIONARY 988498101 9 80 SH   SOLE   80 0 0
YUM BRANDS INC. CONSUMER DISCRETIONARY 988498101 65 600 SH   DFND   0 600 0
ZEBRA TECHNOLOGIES CORP CLASS A INFORMATION TECHNOLOGY 989207105 39 80 SH   SOLE   80 0 0
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