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
ARCO PLATFORM LIMITED -CLASS A FOREIGN EQUITIES G04553106 5 250 SH   SOLE   250 0 0
ATLASSIAN CORPORATION PLC - CLASS A FOREIGN EQUITIES G06242104 38 100 SH   SOLE   100 0 0
ACCENTURE PLC INFORMATION TECHNOLOGY G1151C101 1,198 2,890 SH   SOLE   2,890 0 0
CAMBIUM NETWORKS CORPORATION FOREIGN EQUITIES G17766109 5 190 SH   SOLE   190 0 0
EATON CORP PLC INDUSTRIALS G29183103 27 158 SH   SOLE   158 0 0
INVESCO LIMITED FINANCIALS G491BT108 1 50 SH   SOLE   50 0 0
KINIKSA PHARMACEUTICALS LTD. -CLASS A FOREIGN EQUITIES G5269C101 5 430 SH   SOLE   430 0 0
APTIV PLC CONSUMER DISCRETIONARY G6095L109 6 35 SH   SOLE   35 0 0
NORWEGIAN CRUISE LINE HOLDINGS LTD CONSUMER DISCRETIONARY G66721104 2 100 SH   SOLE   100 0 0
NOVOCURE LIMITED HEALTHCARE G6674U108 8 100 SH   SOLE   100 0 0
SMART GLOBAL HOLDINGS INC. FOREIGN EQUITIES G8232Y101 6 85 SH   SOLE   85 0 0
VINCI PARTNERS INVESTMENTS LTD. - CLASS A FINANCIALS G9451V109 5 490 SH   SOLE   490 0 0
FIVERR INTERNATIONAL LTD. FOREIGN EQUITIES M4R82T106 31 270 SH   SOLE   270 0 0
JFROG LTD FOREIGN EQUITIES M6191J100 5 165 SH   SOLE   165 0 0
WIX.COM LTD INFORMATION TECHNOLOGY M98068105 20 128 SH   SOLE   128 0 0
ASML HOLDING N V N Y REGISTRY SHS FOREIGN EQUITIES N07059210 24 30 SH   SOLE   30 0 0
FLEXTRONICS INTL INFORMATION TECHNOLOGY Y2573F102 19 1,050 SH   SOLE   1,050 0 0
AFLAC INC. FINANCIALS 001055102 1 16 SH   SOLE   16 0 0
AFLAC INC. FINANCIALS 001055102 15 250 SH   DFND   0 250 0
AMC ENTMT HLDGS INC CL A COM CONSUMER DISCRETIONARY 00165C104 3 100 SH   SOLE   100 0 0
AT&T INC. COMMUNICATION SERVICES 00206R102 807 32,805 SH   SOLE   32,032 713 60
AT&T INC. COMMUNICATION SERVICES 00206R102 167 6,782 SH   DFND   4,710 2,072 0
ARK AUTONOMOUS TECHNOLOGY & ROBOTICS ETF Exchange Traded Funds - Equity 00214Q203 8 100 SH   SOLE   100 0 0
ABBOTT LABS HEALTHCARE 002824100 822 5,839 SH   SOLE   5,439 400 0
ABBOTT LABS HEALTHCARE 002824100 170 1,205 SH   DFND   0 1,205 0
ABBVIE INC. HEALTHCARE 00287Y109 1,612 11,903 SH   SOLE   11,408 495 0
ABBVIE INC. HEALTHCARE 00287Y109 334 2,465 SH   DFND   1,250 1,215 0
ABIOMED INC HEALTHCARE 003654100 4 10 SH   SOLE   10 0 0
ACTIVISION BLIZZARD, INC. INFORMATION TECHNOLOGY 00507V109 165 2,480 SH   SOLE   2,480 0 0
ADOBE INC INFORMATION TECHNOLOGY 00724F101 378 667 SH   SOLE   667 0 0
AECOM TECHNOLOGY CORP INFORMATION TECHNOLOGY 00766T100 1 16 SH   SOLE   16 0 0
ADVANCED MICRO DEVICES INC INFORMATION TECHNOLOGY 007903107 456 3,167 SH   SOLE   3,167 0 0
ADVANCED MICRO DEVICES INC INFORMATION TECHNOLOGY 007903107 14 100 SH   DFND   0 0 100
INVESCO INTERNATIONAL GROWTH FUND MUTUAL FUND 008882532 2 71 SH   SOLE   71 0 0
AIR PRODUCTS & CHEMICALS INC MATERIALS 009158106 206 678 SH   SOLE   678 0 0
ALIGN TECHNOLOGY INC. HEALTHCARE 016255101 7 10 SH   SOLE   10 0 0
ALLSTATE CORP FINANCIALS 020002101 129 1,100 SH   SOLE   800 300 0
ALTRIA GROUP, INC. CONSUMER STAPLES 02209S103 145 3,066 SH   SOLE   3,066 0 0
AMAZON. COM, INC CONSUMER DISCRETIONARY 023135106 5,705 1,711 SH   SOLE   1,701 10 0
AMAZON. COM, INC CONSUMER DISCRETIONARY 023135106 33 10 SH   DFND   10 0 0
AMERICAN ELEC PWR INC UTILITIES 025537101 5 52 SH   SOLE   52 0 0
AMERICAN EXPRESS FINANCIALS 025816109 231 1,410 SH   SOLE   1,373 0 37
AMERICAN EXPRESS FINANCIALS 025816109 49 300 SH   DFND   0 300 0
AMERICAN TOWER CORPORATION COMMUNICATION SERVICES 03027X100 943 3,225 SH   SOLE   3,225 0 0
AMERICAN WATER WORKS INC. CONSUMER DISCRETIONARY 030420103 6 30 SH   SOLE   30 0 0
AMERIPRISE FINANCIAL INC. FINANCIALS 03076C106 1 4 SH   SOLE   4 0 0
AMGEN INCORPORATED HEALTHCARE 031162100 368 1,638 SH   SOLE   1,638 0 0
AMGEN INCORPORATED HEALTHCARE 031162100 27 120 SH   DFND   120 0 0
ANIXA BIOSCIENCES INC. HEALTHCARE 03528H109 21 7,000 SH   SOLE   7,000 0 0
APPIAN CORPORATION INFORMATION TECHNOLOGY 03782L101 18 280 SH   SOLE   280 0 0
APPLE INC INFORMATION TECHNOLOGY 037833100 13,049 73,487 SH   SOLE   72,007 1,400 80
APPLE INC INFORMATION TECHNOLOGY 037833100 483 2,720 SH   DFND   2,560 160 0
APPLE HOSPITALTIY REIT INC COMMON SHARES REAL ESTATE 03784Y200 3 161 SH   SOLE   161 0 0
APPLIED MATL INC INFORMATION TECHNOLOGY 038222105 853 5,419 SH   SOLE   5,419 0 0
ARISTA NETWORKS INC. INFORMATION TECHNOLOGY 040413106 35 240 SH   SOLE   240 0 0
ARROW FINANCIAL CORPORATION FINANCIALS 042744102 620 17,606 SH   SOLE   17,606 0 0
ASTRAZENECA PLC - ADR HEALTHCARE 046353108 24 420 SH   SOLE   420 0 0
AUTOMATIC DATA PROCESSING INC INFORMATION TECHNOLOGY 053015103 842 3,413 SH   SOLE   3,113 300 0
AUTOMATIC DATA PROCESSING INC INFORMATION TECHNOLOGY 053015103 427 1,730 SH   DFND   800 930 0
AXON ENTERPRISE INC COM INDUSTRIALS 05464C101 39 250 SH   SOLE   250 0 0
BP P.L.C. ENERGY 055622104 63 2,370 SH   SOLE   2,370 0 0
BP PRUDHOE BAY ROYALTY TRUST ENERGY 055630107 0 100 SH   SOLE   100 0 0
BM TECHNOLOGIES INC. INDUSTRIALS 05591L107 4 405 SH   SOLE   405 0 0
BAIDU INC - SPON ADR INFORMATION TECHNOLOGY 056752108 2 12 SH   SOLE   12 0 0
BANDWIDTH INC INFORMATION TECHNOLOGY 05988J103 9 130 SH   SOLE   130 0 0
BANK OF AMERICA CORP FINANCIALS 060505104 765 17,206 SH   SOLE   17,206 0 0
BANK OF NEW YORK MELLON CORP FINANCIALS 064058100 47 805 SH   SOLE   805 0 0
BAOUZUN INC-SPN ADR FOREIGN EQUITIES 06684L103 1 75 SH   SOLE   75 0 0
BARRICK GOLD CORP MATERIALS 067901108 3 135 SH   SOLE   135 0 0
BAXTER INTERNATIONAL INC. HEALTHCARE 071813109 86 1,000 SH   SOLE   1,000 0 0
BECTON DICKINSON & CO HEALTHCARE 075887109 420 1,671 SH   SOLE   1,436 235 0
BERKSHIRE HATHAWAY INC. DEL CLASS B FINANCIALS 084670702 2,579 8,627 SH   SOLE   8,627 0 0
BERKSHIRE HATHAWAY INC. DEL CLASS B FINANCIALS 084670702 36 122 SH   DFND   0 122 0
BEYOND MEAT INC COM CONSUMER DISCRETIONARY 08862E109 1 10 SH   SOLE   10 0 0
BIOGEN INC HEALTHCARE 09062X103 3 13 SH   SOLE   13 0 0
BLACKROCK INC FINANCIALS 09247X101 1,160 1,267 SH   SOLE   1,267 0 0
BLACKROCK INC FINANCIALS 09247X101 14 15 SH   DFND   0 15 0
BLOOM ENERGY CORP COM CL A ENERGY 093712107 4 200 SH   SOLE   200 0 0
BOEING INDUSTRIALS 097023105 537 2,667 SH   SOLE   2,612 30 25
BOEING INDUSTRIALS 097023105 94 465 SH   DFND   50 415 0
BRISTOL MYERS SQUIBB CO HEALTHCARE 110122108 1,484 23,804 SH   SOLE   21,804 2,000 0
BRISTOL MYERS SQUIBB CO HEALTHCARE 110122108 275 4,405 SH   DFND   3,000 1,405 0
CBOE GLOBAL MARKETS, INC. FINANCIALS 12503M108 13 100 SH   SOLE   100 0 0
CME GROUP INC. FINANCIALS 12572Q105 5 23 SH   SOLE   23 0 0
CRA INTERNATIONAL INC. INDUSTRIALS 12618T105 5 55 SH   SOLE   55 0 0
CSX CORPORATION INDUSTRIALS 126408103 875 23,280 SH   SOLE   23,280 0 0
CSX CORPORATION INDUSTRIALS 126408103 135 3,600 SH   DFND   3,600 0 0
CVS HEALTH CORP CONSUMER STAPLES 126650100 1,043 10,114 SH   SOLE   10,114 0 0
CANADIAN NATIONAL RAILWAY CO FOREIGN EQUITIES 136375102 5 40 SH   SOLE   40 0 0
CANADIAN PACIFIC RAILWAY LTD FOREIGN EQUITIES 13645T100 62 865 SH   SOLE   865 0 0
CANADIAN SOLAR INC COM ENERGY 136635109 31 1,000 SH   SOLE   1,000 0 0
CAPITAL ONE FINANCIAL CORP FINANCIALS 14040H105 13 90 SH   SOLE   90 0 0
CARGURUS INC COM CL A CONSUMER DISCRETIONARY 141788109 34 1,000 SH   SOLE   1,000 0 0
CARRIER GLOBAL CORPORATION INDUSTRIALS 14448C104 279 5,138 SH   SOLE   4,438 700 0
CARRIER GLOBAL CORPORATION INDUSTRIALS 14448C104 69 1,265 SH   DFND   655 610 0
CASEY'S GENERAL STORES INC CONSUMER DISCRETIONARY 147528103 14 70 SH   SOLE   70 0 0
CATERPILLAR INC INDUSTRIALS 149123101 1,471 7,117 SH   SOLE   7,022 70 25
CATERPILLAR INC INDUSTRIALS 149123101 385 1,860 SH   DFND   1,325 535 0
CENOVUS ENERGY INC. ENERGY 15135U109 0 25 SH   SOLE   25 0 0
CENTERPOINT ENERGY, INC UTILITIES 15189T107 33 1,200 SH   SOLE   1,200 0 0
CENTERPOINT ENERGY, INC UTILITIES 15189T107 112 4,000 SH   DFND   4,000 0 0
CENTESSA PHARMACEUTICALS PLC HEALTHCARE 152309100 5 400 SH   SOLE   400 0 0
CHEGG INC COM CONSUMER DISCRETIONARY 163092109 8 250 SH   SOLE   250 0 0
CHEVRON CORPORATION ENERGY 166764100 1,448 12,343 SH   SOLE   11,960 383 0
CHEVRON CORPORATION ENERGY 166764100 212 1,810 SH   DFND   1,195 615 0
CHICO'S FASHION INC CONSUMER DISCRETIONARY 168615102 5 925 SH   SOLE   925 0 0
CISCO SYSTEMS INC. INFORMATION TECHNOLOGY 17275R102 1,906 30,081 SH   SOLE   29,516 500 65
CISCO SYSTEMS INC. INFORMATION TECHNOLOGY 17275R102 83 1,305 SH   DFND   30 1,275 0
CIRRUS LOGIC INC INFORMATION TECHNOLOGY 172755100 9 100 SH   SOLE   100 0 0
CITIGROUP INC. FINANCIALS 172967424 158 2,625 SH   SOLE   2,625 0 0
CLEARPOINT NEURO INC. HEALTHCARE 18507C103 4 370 SH   SOLE   370 0 0
CLOROX COMPANY CONSUMER STAPLES 189054109 78 445 SH   SOLE   445 0 0
CLOROX COMPANY CONSUMER STAPLES 189054109 35 200 SH   DFND   0 200 0
CLOUDFLARE INC CL A COM INFORMATION TECHNOLOGY 18915M107 23 175 SH   SOLE   175 0 0
COCA COLA CO CONSUMER STAPLES 191216100 1,336 22,574 SH   SOLE   20,019 2,555 0
COCA COLA CO CONSUMER STAPLES 191216100 270 4,565 SH   DFND   3,430 1,135 0
COGNIZANT TECHNOLOGY SOLUTIONS CORP INFORMATION TECHNOLOGY 192446102 9 100 SH   SOLE   100 0 0
COLGATE PALMOLIVE CONSUMER STAPLES 194162103 818 9,586 SH   SOLE   9,551 0 35
COLGATE PALMOLIVE CONSUMER STAPLES 194162103 136 1,594 SH   DFND   1,374 220 0
COMCAST CORP NEW CL A CONSUMER DISCRETIONARY 20030N101 255 5,072 SH   SOLE   5,072 0 0
COMPASS PATHWAYS PLC HEALTHCARE 20451W101 3 150 SH   SOLE   150 0 0
CONOCOPHILLIPS ENERGY 20825C104 199 2,760 SH   SOLE   2,760 0 0
CONOCOPHILLIPS ENERGY 20825C104 10 140 SH   DFND   20 120 0
CONSOLIDATED EDISON INC UTILITIES 209115104 39 460 SH   SOLE   460 0 0
CORNING INC INFORMATION TECHNOLOGY 219350105 462 12,405 SH   SOLE   12,405 0 0
COSTCO WHSL CORP NEW CONSUMER STAPLES 22160K105 847 1,492 SH   SOLE   1,492 0 0
COUPA SOFTWARE INC COM INFORMATION TECHNOLOGY 22266L106 16 100 SH   SOLE   100 0 0
CRONOS GROUP, INC. CONSUMER DISCRETIONARY 22717L101 0 110 SH   SOLE   110 0 0
CROSSAMERICA PARTNERS LP ENERGY 22758A105 105 5,500 SH   SOLE   5,500 0 0
CUBESMART COM REAL ESTATE 229663109 4 75 SH   SOLE   75 0 0
CUMMINS INC INDUSTRIALS 231021106 152 695 SH   SOLE   695 0 0
CUMMINS INC INDUSTRIALS 231021106 24 110 SH   DFND   110 0 0
DNP SELECT INCOME FUND INC FIXED INCOME 23325P104 16 1,500 SH   SOLE   1,500 0 0
D R HORTON INC CONSUMER DISCRETIONARY 23331A109 21 190 SH   SOLE   190 0 0
DTE ENERGY CO UTILITIES 233331107 38 315 SH   SOLE   315 0 0
DANAHER CORP HEALTHCARE 235851102 1,116 3,392 SH   SOLE   3,392 0 0
DANAHER CORP HEALTHCARE 235851102 274 833 SH   DFND   500 333 0
DATADOG INC CLASS A INFORMATION TECHNOLOGY 23804L103 76 425 SH   SOLE   425 0 0
DEERE & CO (JOHN DEERE) INDUSTRIALS 244199105 444 1,295 SH   SOLE   1,085 210 0
DELTA AIR LINES INC CONSUMER DISCRETIONARY 247361702 18 455 SH   SOLE   455 0 0
DENTSPLY SIRONA INC CONSUMER DISCRETIONARY 24906P109 7 120 SH   SOLE   120 0 0
DIAGEO PLC CONSUMER DISCRETIONARY 25243Q205 29 134 SH   SOLE   134 0 0
DIAMONDBACK ENERGY INC. ENERGY 25278X109 1 10 SH   SOLE   10 0 0
DIGITALOCEAN HLDGS INC COM INFORMATION TECHNOLOGY 25402D102 9 118 SH   SOLE   118 0 0
DISNEY (WALT) COMPANY HOLDING CO CONSUMER DISCRETIONARY 254687106 1,834 11,838 SH   SOLE   11,813 0 25
DISNEY (WALT) COMPANY HOLDING CO CONSUMER DISCRETIONARY 254687106 203 1,308 SH   DFND   220 1,088 0
DISCOVER FINANCIAL SERVICES FINANCIALS 254709108 51 440 SH   SOLE   440 0 0
DOCEBO INC. INFORMATION TECHNOLOGY 25609L105 4 55 SH   SOLE   55 0 0
DOCUSIGN INC INFORMATION TECHNOLOGY 256163106 36 235 SH   SOLE   235 0 0
DOLLAR GENERAL CORP CONSUMER DISCRETIONARY 256677105 28 120 SH   SOLE   120 0 0
DOLLAR TREE, INC. CONSUMER DISCRETIONARY 256746108 28 200 SH   SOLE   200 0 0
DOMINION ENERGY, INC. UTILITIES 25746U109 260 3,304 SH   SOLE   3,304 0 0
DOMINION ENERGY, INC. UTILITIES 25746U109 50 635 SH   DFND   635 0 0
DOMINO'S PIZZA INC CONSUMER DISCRETIONARY 25754A201 37 65 SH   SOLE   65 0 0
DOW INC. MATERIALS 260557103 113 1,995 SH   SOLE   1,483 512 0
DOW INC. MATERIALS 260557103 5 85 SH   DFND   0 85 0
DREAM FINDERS HOMES INC. - CLASS A CONSUMER DISCRETIONARY 26154D100 6 290 SH   SOLE   290 0 0
DUKE ENERGY CORPORATION NEW ENERGY 26441C204 182 1,737 SH   SOLE   1,737 0 0
EBAY INC CONSUMER DISCRETIONARY 278642103 16 242 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 374 4,028 SH   SOLE   2,548 1,480 0
EMERSON ELECTRIC INDUSTRIALS 291011104 206 2,215 SH   DFND   500 1,715 0
ENBRIDGE INC ENERGY 29250N105 40 1,023 SH   SOLE   1,023 0 0
ENERGY TRANSFER LP COM UT LTD PTN ENERGY 29273V100 5 582 SH   SOLE   582 0 0
ENTERGY CORPORATION UTILITIES 29364G103 90 800 SH   DFND   800 0 0
ENTERPRISE PRODUCTS PARTNERS L.P. ENERGY 293792107 154 7,011 SH   SOLE   7,011 0 0
ENVIVA PARTNERS LP ENERGY 29414J107 141 2,000 SH   SOLE   2,000 0 0
EQUITY RESIDENTIAL SHARES OF BENEFICIAL INT FINANCIALS 29476L107 5 50 SH   SOLE   50 0 0
ESPEY MFG. & ELECTRONICS CORP INDUSTRIALS 296650104 82 5,747 SH   SOLE   5,747 0 0
ESPEY MFG. & ELECTRONICS CORP INDUSTRIALS 296650104 3 200 SH   DFND   100 0 100
ETSY INC CONSUMER DISCRETIONARY 29786A106 43 195 SH   SOLE   195 0 0
EXACT SCIENCES CORP COM HEALTHCARE 30063P105 18 225 SH   SOLE   225 0 0
EXELON CORP UTILITIES 30161N101 38 665 SH   SOLE   390 275 0
EXELON CORP UTILITIES 30161N101 63 1,090 SH   DFND   1,090 0 0
EXXON MOBIL CORP ENERGY 30231G102 950 15,533 SH   SOLE   10,403 5,130 0
EXXON MOBIL CORP ENERGY 30231G102 308 5,038 SH   DFND   1,984 3,054 0
META PLATFORMS INC INFORMATION TECHNOLOGY 30303M102 1,897 5,640 SH   SOLE   5,535 105 0
META PLATFORMS INC INFORMATION TECHNOLOGY 30303M102 24 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 11 310 SH   SOLE   310 0 0
FATHOM HOLDINGS INC. REAL ESTATE 31189V109 5 230 SH   SOLE   230 0 0
FEDEX CORPORATION INDUSTRIALS 31428X106 136 525 SH   SOLE   525 0 0
FEDEX CORPORATION INDUSTRIALS 31428X106 32 125 SH   DFND   125 0 0
FIDELITY MSCI INFORMATION TECHNOLOGY INDEX ETF INFORMATION TECHNOLOGY 316092808 335 2,475 SH   SOLE   2,475 0 0
FIFTH THIRD BANCORP FINANCIALS 316773100 29 675 SH   SOLE   675 0 0
1STDIBS.COM INC INFORMATION TECHNOLOGY 320551104 5 405 SH   SOLE   405 0 0
FIRST TRUST NASDAQ CLEAN EDGE GREEN ENERGY ETF Exchange Traded Funds - Equity 33733E500 112 1,651 SH   SOLE   1,651 0 0
FIRST TRUST NEW OPPORTUNITIES MLP ENERGY 33739M100 7 1,260 SH   SOLE   1,260 0 0
FIRSTENERGY CORP UTILITIES 337932107 2 55 SH   SOLE   55 0 0
FORD MOTOR CO DEL CONSUMER DISCRETIONARY 345370860 179 8,615 SH   SOLE   8,615 0 0
FORD MOTOR CO DEL CONSUMER DISCRETIONARY 345370860 19 900 SH   DFND   0 900 0
FORTIVE CORPORATION INFORMATION TECHNOLOGY 34959J108 22 287 SH   DFND   100 187 0
FREEPORT-MCMORAN COPPER & GOLD CLASS B MATERIALS 35671D857 24 575 SH   SOLE   575 0 0
FRESHPET INC CONSUMER STAPLES 358039105 7 75 SH   SOLE   75 0 0
FULGENT GENETICS INC. HEALTHCARE 359664109 73 730 SH   SOLE   730 0 0
GAMESTOP CORP NEW CL A CONSUMER DISCRETIONARY 36467W109 0 3 SH   SOLE   3 0 0
GENERAL DYNAMICS CORPORATION INDUSTRIALS 369550108 542 2,599 SH   SOLE   2,599 0 0
GENERAL DYNAMICS CORPORATION INDUSTRIALS 369550108 14 65 SH   DFND   65 0 0
GENERAL MILLS, INC CONSUMER STAPLES 370334104 110 1,630 SH   SOLE   1,030 600 0
GENERAL MILLS, INC CONSUMER STAPLES 370334104 94 1,400 SH   DFND   1,400 0 0
GILEAD SCIENCES, INC. HEALTHCARE 375558103 173 2,385 SH   SOLE   2,385 0 0
GILEAD SCIENCES, INC. HEALTHCARE 375558103 11 150 SH   DFND   0 150 0
GLADSTONE COMMERCIAL CORP CONSUMER DISCRETIONARY 376536108 28 1,100 SH   SOLE   1,100 0 0
GLADSTONE LAND CORPORATION REAL ESTATE 376549101 6 170 SH   SOLE   170 0 0
GLAXO SMITHKLINE PLC SPON ADR HEALTHCARE 37733W105 22 510 SH   SOLE   510 0 0
GLAXO SMITHKLINE PLC SPON ADR HEALTHCARE 37733W105 18 400 SH   DFND   400 0 0
GROWGENERATION CORP COM CONSUMER STAPLES 39986L109 0 25 SH   SOLE   25 0 0
GUARDANT HEALTH INC. HEALTHCARE 40131M109 12 115 SH   SOLE   115 0 0
HSBC HOLDINGS PLC SPONS ADRS FINANCIALS 404280406 18 607 SH   SOLE   607 0 0
HALLIBURTON COMPANY ENERGY 406216101 2 90 SH   SOLE   90 0 0
HARLEY DAVIDSON CONSUMER DISCRETIONARY 412822108 12 310 SH   SOLE   310 0 0
HELMERICH & PAYNE, INC. ENERGY 423452101 1 60 SH   SOLE   60 0 0
THE HERSHEY COMPANY CONSUMER STAPLES 427866108 23 120 SH   SOLE   120 0 0
HEXO CORP COM NEW FOREIGN EQUITIES 428304307 0 170 SH   SOLE   170 0 0
HOME DEPOT INC CONSUMER DISCRETIONARY 437076102 3,380 8,144 SH   SOLE   7,139 1,005 0
HOME DEPOT INC CONSUMER DISCRETIONARY 437076102 656 1,580 SH   DFND   800 780 0
HONEYWELL INTERNATIONAL INC INDUSTRIALS 438516106 546 2,621 SH   SOLE   2,621 0 0
HUBSPOT INC. INFORMATION TECHNOLOGY 443573100 105 160 SH   SOLE   160 0 0
ILLINOIS TOOL WORKS INC. INDUSTRIALS 452308109 223 902 SH   SOLE   902 0 0
INTEL CORP INFORMATION TECHNOLOGY 458140100 2,378 46,177 SH   SOLE   43,262 2,850 65
INTEL CORP INFORMATION TECHNOLOGY 458140100 410 7,964 SH   DFND   5,649 2,315 0
INTELLIGENT SYSTEMS CORPORATION INFORMATION TECHNOLOGY 45816D100 5 125 SH   SOLE   125 0 0
INTERACTIVE BROKERS GRO-CL A FINANCIALS 45841N107 20 250 SH   SOLE   250 0 0
INTERCONTINENTAL EXCHANGE INCOM FINANCIALS 45866F104 3 25 SH   SOLE   25 0 0
INTL BUSINESS MACHINES INFORMATION TECHNOLOGY 459200101 576 4,312 SH   SOLE   4,312 0 0
INTL BUSINESS MACHINES INFORMATION TECHNOLOGY 459200101 197 1,472 SH   DFND   500 972 0
INTERNATIONAL PAPER CO MATERIALS 460146103 197 4,200 SH   SOLE   4,165 0 35
INTUITIVE SURGICAL INC HEALTHCARE 46120E602 34 94 SH   SOLE   94 0 0
INVESCO GLOBAL WATER ETF Exchange Traded Funds - Equity 46138E651 65 1,500 SH   SOLE   1,500 0 0
INVITAE CORP COM HEALTHCARE 46185L103 2 125 SH   SOLE   125 0 0
IQIYI, INC. - ADR INFORMATION TECHNOLOGY 46267X108 0 100 SH   SOLE   100 0 0
IROBOT CORPORATION INDUSTRIALS 462726100 2 30 SH   SOLE   30 0 0
ETF ISHARES SILVER TR MUTUAL FUND 46428Q109 82 3,810 SH   SOLE   3,810 0 0
ISHARES MSCI AUSTRALIA ETF MUTUAL FUND 464286103 7 300 SH   DFND   300 0 0
ISHARES MSCI CANADA ETF MUTUAL FUND 464286509 10 250 SH   DFND   250 0 0
ISHARES S & P 100 ETF MUTUAL FUND 464287101 1,546 7,055 SH   SOLE   7,055 0 0
ISHARES SELECT DIVIDEND ETF MUTUAL FUND 464287168 55 450 SH   SOLE   450 0 0
ISHARES TIPS BOND ETF FIXED INCOME 464287176 6,818 52,774 SH   SOLE   52,289 0 485
ISHARES TIPS BOND ETF FIXED INCOME 464287176 889 6,877 SH   DFND   5,985 892 0
ISHARES CHINA LARGE CAP ETF MUTUAL FUND 464287184 4 115 SH   DFND   0 115 0
ISHARES CORE S&P 500 ETF Exchange Traded Funds - Equity 464287200 54 114 SH   SOLE   114 0 0
ISHARES CORE TOTAL US AGGREGATE BOND ETF-W FIXED INCOME 46428722W 1,891 16,575 SH   SOLE   16,575 0 0
ISHARES CORE TOTAL US AGGREGATE BOND ETF FIXED INCOME 464287226 5,336 46,771 SH   SOLE   46,771 0 0
ISHARES MSCI EMERGING MARKETS ETF Exchange Traded Funds - Equity 464287234 17 340 SH   SOLE   340 0 0
ISHARES MSCI EAFE ETF FUND MUTUAL FUND 464287465 760 9,655 SH   SOLE   9,655 0 0
ISHARES MSCI EAFE ETF FUND MUTUAL FUND 464287465 37 470 SH   DFND   0 470 0
ISHARES RUSSELL MIDCAP ETF Exchange Traded Funds - Equity 464287499 274 3,301 SH   SOLE   3,301 0 0
ISHARES CORE S&P MID CAP ETF Exchange Traded Funds - Equity 464287507 560 1,979 SH   SOLE   1,979 0 0
ISHARES COHEN & STEERS REIT ETF Exchange Traded Funds - Equity 464287564 12 156 SH   SOLE   156 0 0
ISHARES RUSSELL 1000 VALUE INDEX FUND MUTUAL FUND 464287598 105 626 SH   SOLE   626 0 0
ISHARES RUSSELL 1000 GROWTH ETF MUTUAL FUND 464287614 1,838 6,014 SH   SOLE   6,014 0 0
ISHARES RUSSELL 2000 GROWTH ETF Exchange Traded Funds - Equity 464287648 452 1,542 SH   SOLE   1,542 0 0
ISHARES RUSSELL 2000 ETF Exchange Traded Funds - Equity 464287655 190 852 SH   SOLE   852 0 0
ISHARES CORE S&P SMALL-CAP ETF MUTUAL FUND 464287804 4,082 35,645 SH   SOLE   35,565 0 80
ISHARES CORE S&P SMALL-CAP ETF MUTUAL FUND 464287804 176 1,533 SH   DFND   540 993 0
ETF ISHARES GLOBAL CLEAN ENERGY Exchange Traded Funds - Equity 464288224 104 4,895 SH   SOLE   4,895 0 0
ISHARES MSCI KLD 400 SOCIAL MUTUAL FUND 464288570 61 660 SH   SOLE   660 0 0
ISHARES DOW JONES US HOME CONSTRUCTION INDEX Exchange Traded Funds - Equity 464288752 44 525 SH   SOLE   525 0 0
ISHARES MSCI USA ESG SELECT MUTUAL FUND 464288802 143 1,350 SH   SOLE   1,350 0 0
ISHARES MSCI EAFE GROWTH ETF Exchange Traded Funds - Equity 464288885 5 43 SH   SOLE   43 0 0
ISHARES CORE MSCI EMERGING MARKET ETF Exchange Traded Funds - Equity 46434G103 12 205 SH   SOLE   205 0 0
ISHARES MSCI SINGAPORE ETF Exchange Traded Funds - Equity 46434G780 6 264 SH   DFND   264 0 0
ISSUER DIRECT CORPORATION INFORMATION TECHNOLOGY 46520M204 5 160 SH   SOLE   160 0 0
JPMORGAN CHASE & CO COM FINANCIALS 46625H100 3,140 19,828 SH   SOLE   18,738 1,065 25
JPMORGAN CHASE & CO COM FINANCIALS 46625H100 154 975 SH   DFND   945 30 0
JACOBS ENGINERRING GROUP CONSUMER DISCRETIONARY 469814107 12 85 SH   SOLE   85 0 0
JD.COM INC.-ADR CONSUMER DISCRETIONARY 47215P106 5 70 SH   SOLE   70 0 0
JINKOSOLAR HOLDING COMPANY LTD ENERGY 47759T100 1 25 SH   SOLE   25 0 0
JOHN HANCOCK MULTIFACTOR SMALL CAP ETF Exchange Traded Funds - Equity 47804J842 12 343 SH   SOLE   343 0 0
JOHNSON & JOHNSON HEALTHCARE 478160104 3,638 21,266 SH   SOLE   20,086 1,150 30
JOHNSON & JOHNSON HEALTHCARE 478160104 588 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 13 542 SH   SOLE   542 0 0
KIMBERLY CLARK CONSUMER STAPLES 494368103 254 1,780 SH   SOLE   1,710 70 0
KIMBERLY CLARK CONSUMER STAPLES 494368103 143 1,000 SH   DFND   1,000 0 0
LAM RESEARCH CORP COMMON HEALTHCARE 512807108 18 25 SH   SOLE   25 0 0
ELI LILLY & CO HEALTHCARE 532457108 950 3,438 SH   SOLE   3,438 0 0
ELI LILLY & CO HEALTHCARE 532457108 247 895 SH   DFND   750 145 0
LITTELFUSE INC INFORMATION TECHNOLOGY 537008104 16 50 SH   SOLE   50 0 0
LOCKHEED MARTIN CORP INDUSTRIALS 539830109 1,731 4,870 SH   SOLE   4,550 320 0
LOCKHEED MARTIN CORP INDUSTRIALS 539830109 316 890 SH   DFND   890 0 0
LOWES COMPANIES INC CONSUMER DISCRETIONARY 548661107 687 2,658 SH   SOLE   2,583 0 75
LOWES COMPANIES INC CONSUMER DISCRETIONARY 548661107 62 240 SH   DFND   240 0 0
LULULEMON ATHLETICA INC CONSUMER DISCRETIONARY 550021109 16 40 SH   SOLE   40 0 0
LUMEN TECHNOLOGIES INC. COMMUNICATION SERVICES 550241103 0 12 SH   SOLE   12 0 0
MPLX LP ENERGY 55336V100 109 3,700 SH   SOLE   3,700 0 0
MANULIFE FINANCIAL FINANCIALS 56501R106 12 645 SH   SOLE   645 0 0
MARATHON PETROLEUM CORPORATION ENERGY 56585A102 74 1,150 SH   SOLE   1,150 0 0
MARKEL CORP HOLDING COMPANY FINANCIALS 570535104 12 10 SH   SOLE   10 0 0
MARRIOTT INTERNATIONAL INC. CLASS A CONSUMER DISCRETIONARY 571903202 11 65 SH   SOLE   65 0 0
MASIMO CORPORATION HEALTHCARE 574795100 4 12 SH   SOLE   12 0 0
MASTERCARD INC - CLASS A INFORMATION TECHNOLOGY 57636Q104 268 746 SH   SOLE   681 65 0
MCCORMICK & CO. CONSUMER STAPLES 579780206 155 1,600 SH   SOLE   200 1,400 0
MCDONALDS CORP CONSUMER DISCRETIONARY 580135101 2,501 9,329 SH   SOLE   8,529 785 15
MCDONALDS CORP CONSUMER DISCRETIONARY 580135101 683 2,547 SH   DFND   1,200 1,347 0
MCKESSON CORPORATION HEALTHCARE 58155Q103 96 385 SH   SOLE   385 0 0
MERCADOLIBRE INC INFORMATION TECHNOLOGY 58733R102 24 18 SH   SOLE   18 0 0
MERCK & CO., INC HEALTHCARE 58933Y105 566 7,388 SH   SOLE   6,968 420 0
MERCK & CO., INC HEALTHCARE 58933Y105 115 1,500 SH   DFND   1,500 0 0
METLIFE INC FINANCIALS 59156R108 814 13,026 SH   SOLE   12,996 0 30
MICROSOFT CORP INFORMATION TECHNOLOGY 594918104 7,648 22,740 SH   SOLE   21,295 1,445 0
MICROSOFT CORP INFORMATION TECHNOLOGY 594918104 721 2,145 SH   DFND   1,355 790 0
HERMAN MILLER INC. CONSUMER DISCRETIONARY 600544100 3 85 SH   SOLE   85 0 0
MITEK SYSTEMS INC. INFORMATION TECHNOLOGY 606710200 5 300 SH   SOLE   300 0 0
MONDELEZ INTERNATIONAL INC CONSUMER STAPLES 609207105 138 2,076 SH   SOLE   1,076 1,000 0
MONGODB, INC. INFORMATION TECHNOLOGY 60937P106 47 88 SH   SOLE   88 0 0
MORGAN STANLEY FINANCIALS 617446448 420 4,280 SH   SOLE   4,280 0 0
NCR CORPORATION INFORMATION TECHNOLOGY 62886E108 1 17 SH   SOLE   17 0 0
NIO INC SPON ADS CONSUMER DISCRETIONARY 62914V106 14 440 SH   SOLE   440 0 0
NASDAQ STOCK MARKET INC FINANCIALS 631103108 11 50 SH   SOLE   50 0 0
NETAPP, INC. INFORMATION TECHNOLOGY 64110D104 9 100 SH   SOLE   100 0 0
NETFLIX INC INFORMATION TECHNOLOGY 64110L106 617 1,024 SH   SOLE   1,024 0 0
NEW JERSEY RESOURCES CORP UTILITIES 646025106 37 912 SH   SOLE   912 0 0
NEW RELIC INC INFORMATION TECHNOLOGY 64829B100 7 65 SH   SOLE   65 0 0
NEWELL BRANDS INC CONSUMER DISCRETIONARY 651229106 0 16 SH   SOLE   16 0 0
NEWMONT CORPORATION MATERIALS 651639106 92 1,482 SH   SOLE   1,482 0 0
NEXTERA ENERGY INC UTILITIES 65339F101 2,761 29,578 SH   SOLE   28,378 1,200 0
NEXTERA ENERGY INC UTILITIES 65339F101 290 3,110 SH   DFND   2,550 560 0
NICE LTD - AMERICAN DEPOSITORY SHARES INFORMATION TECHNOLOGY 653656108 9 30 SH   SOLE   30 0 0
NIKE, INC CONSUMER DISCRETIONARY 654106103 1,018 6,108 SH   SOLE   6,108 0 0
NIKOLA CORPORATION INDUSTRIALS 654110105 0 50 SH   SOLE   50 0 0
NORTHROP GRUMMAN CORP INDUSTRIALS 666807102 293 757 SH   SOLE   757 0 0
NOVARTIS AG - ADR FOREIGN EQUITIES 66987V109 11 130 SH   SOLE   0 130 0
NOVAVAX INC HEALTHCARE 670002401 33 231 SH   SOLE   231 0 0
NUCOR MATERIALS 670346105 178 1,560 SH   SOLE   960 600 0
NUCOR MATERIALS 670346105 91 800 SH   DFND   800 0 0
NVIDIA CORP. INFORMATION TECHNOLOGY 67066G104 3,863 13,135 SH   SOLE   13,135 0 0
NUSHARES ETF TR NUVEEN ESG SMLCP Exchange Traded Funds - Equity 67092P607 357 8,500 SH   SOLE   8,500 0 0
OAKTREE SPECIALTY LENDING COCOM FINANCIALS 67401P108 14 1,909 SH   SOLE   1,909 0 0
ON24 INC. INFORMATION TECHNOLOGY 68339B104 6 330 SH   SOLE   330 0 0
ORACLE CORPORATION INFORMATION TECHNOLOGY 68389X105 497 5,703 SH   SOLE   5,703 0 0
ORACLE CORPORATION INFORMATION TECHNOLOGY 68389X105 15 170 SH   DFND   0 170 0
OTIS WORLDWIDE CORPORATION INDUSTRIALS 68902V107 219 2,515 SH   SOLE   2,165 350 0
OTIS WORLDWIDE CORPORATION INDUSTRIALS 68902V107 55 632 SH   DFND   327 305 0
OUTSET MEDICAL INC. HEALTHCARE 690145107 5 110 SH   SOLE   110 0 0
P G & E CORP UTILITIES 69331C108 0 10 SH   SOLE   10 0 0
PNC FINANCIAL SERVICES GROUP INC FINANCIALS 693475105 70 348 SH   SOLE   348 0 0
PPL CORP UTILITIES 69351T106 3 100 SH   SOLE   100 0 0
PACIRA BIOSCIENCES, INC HEALTHCARE 695127100 36 600 SH   SOLE   600 0 0
PALO ALTO NETWORKS INC INFORMATION TECHNOLOGY 697435105 8 15 SH   SOLE   15 0 0
PARKER HANNIFIN CORP MATERIALS 701094104 2 5 SH   SOLE   5 0 0
PELOTON INTERACTIVE INC CLASS A CONSUMER DISCRETIONARY 70614W100 15 410 SH   SOLE   410 0 0
PEPSICO INC CONSUMER STAPLES 713448108 3,198 18,408 SH   SOLE   18,113 295 0
PEPSICO INC CONSUMER STAPLES 713448108 622 3,580 SH   DFND   1,815 1,765 0
PERKIN ELMER, INC INFORMATION TECHNOLOGY 714046109 13 65 SH   SOLE   65 0 0
PETMED EXPRESS INC. HEALTHCARE 716382106 3 100 SH   SOLE   100 0 0
PFIZER INC HEALTHCARE 717081103 2,158 36,557 SH   SOLE   34,001 2,556 0
PFIZER INC HEALTHCARE 717081103 248 4,200 SH   DFND   3,800 400 0
PHILIP MORRIS INTERNATIONAL W/I CONSUMER DISCRETIONARY 718172109 137 1,446 SH   SOLE   1,446 0 0
PHILLIPS 66 ENERGY 718546104 544 7,510 SH   SOLE   7,300 210 0
PHILLIPS 66 ENERGY 718546104 72 997 SH   DFND   895 102 0
PINTEREST INC CL A COMMUNICATION SERVICES 72352L106 33 915 SH   SOLE   915 0 0
PLAINS ALL AMERICAN PIPELINE ENERGY 726503105 101 10,800 SH   SOLE   10,800 0 0
PLUG POWER INC. INFORMATION TECHNOLOGY 72919P202 31 1,110 SH   SOLE   1,110 0 0
POST HOLDINGS INC CONSUMER STAPLES 737446104 6 50 SH   SOLE   50 0 0
T ROWE PRICE GROUP INC FINANCIALS 74144T108 39 200 SH   SOLE   200 0 0
T ROW PRICE US BOND INDEX FUND FIXED INCOME 741495105 154 13,584 SH   SOLE   13,584 0 0
PROCTER & GAMBLE CO CONSUMER STAPLES 742718109 4,174 25,514 SH   SOLE   23,807 1,672 35
PROCTER & GAMBLE CO CONSUMER STAPLES 742718109 758 4,635 SH   DFND   2,620 2,015 0
PRUDENTIAL FINANCIAL INC FINANCIALS 744320102 257 2,374 SH   SOLE   2,374 0 0
PUBLIC SERVICE ENTERPRISE GROUP, INC UTILITIES 744573106 45 672 SH   SOLE   672 0 0
PUBMATIC INC COM CL A CONSUMER DISCRETIONARY 74467Q103 9 250 SH   SOLE   250 0 0
QUALCOMM INC INFORMATION TECHNOLOGY 747525103 1,729 9,455 SH   SOLE   9,190 235 30
QUALCOMM INC INFORMATION TECHNOLOGY 747525103 122 665 SH   DFND   665 0 0
QUANTA SERVICES INC INDUSTRIALS 74762E102 82 712 SH   SOLE   712 0 0
QUIDEL CORP COM HEALTHCARE 74838J101 13 100 SH   SOLE   100 0 0
REATA PHARMACEUTICALS INC. HEALTHCARE 75615P103 1 55 SH   SOLE   55 0 0
REGENERON PHARMACEUTICALS HEALTHCARE 75886F107 168 266 SH   SOLE   266 0 0
REPLIGEN CORPORATION HEALTHCARE 759916109 66 250 SH   SOLE   250 0 0
RIMINI STREET INC. INFORMATION TECHNOLOGY 76674Q107 5 780 SH   SOLE   780 0 0
RIO TINTO PLC MATERIALS 767204100 100 1,500 SH   SOLE   1,500 0 0
ROCHE HOLDING AG HEALTHCARE 771195104 5 103 SH   SOLE   103 0 0
ROKU INC CONSUMER DISCRETIONARY 77543R102 22 95 SH   SOLE   95 0 0
ROYAL DUTCH SHELL PLC-ADR ENERGY 780259107 3 64 SH   SOLE   64 0 0
ROYAL DUTCH SHELL PLC ADR ENERGY 780259206 19 445 SH   SOLE   445 0 0
SPDR S & P 500 ETF TRUST MUTUAL FUND 78462F103 20,490 43,142 SH   SOLE   43,142 0 0
SPDR S & P 500 ETF TRUST MUTUAL FUND 78462F103 767 1,615 SH   DFND   1,020 595 0
SPDR GOLD TRUST MUTUAL FUND 78463V107 202 1,184 SH   SOLE   1,184 0 0
SPDR LOW CARBON TARGET ETF Exchange Traded Funds - Equity 78463X194 17 125 SH   SOLE   125 0 0
SPDR PORTFOLIO TIP ETF ETF's - Fixed Income 78464A656 36 1,131 SH   SOLE   1,131 0 0
SPDR S&P DIVIDEND ETF Exchange Traded Funds - Equity 78464A763 356 2,755 SH   SOLE   2,755 0 0
ETF SPDR S&P BIOTECH HEALTHCARE 78464A870 746 6,665 SH   SOLE   6,665 0 0
S&P MIDCAP 400 DEPOSITORY RECEIPTS ETF -W MUTUAL FUND 78467Y10W 102 198 SH   SOLE   198 0 0
S & P MIDCAP 400 DEPOSITORY RECEIPTS ETF MUTUAL FUND 78467Y107 6,269 12,111 SH   SOLE   12,059 0 52
S & P MIDCAP 400 DEPOSITORY RECEIPTS ETF MUTUAL FUND 78467Y107 302 583 SH   DFND   230 353 0
SPDR SER TR S&P KENSHO SMART Exchange Traded Funds - Equity 78468R689 2 35 SH   SOLE   35 0 0
SPDR SER TR S&P KENSHO SMART Exchange Traded Funds - Equity 78468R689 12 225 SH   DFND   0 225 0
SPDR NUVEEN BLOOMBERG BARCLAY MUNICIPAL BOND ETF ETF's - Fixed Income 78468R721 78 1,500 SH   SOLE   1,500 0 0
SPDR GENDER DIVERSITY INDEX ETF Exchange Traded Funds - Equity 78468R747 24 235 SH   SOLE   235 0 0
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SANOFI ADR FOREIGN EQUITIES 80105N105 6 120 SH   SOLE   120 0 0
SCHLUMBERGER LTD ENERGY 806857108 11 363 SH   SOLE   363 0 0
SCHLUMBERGER LTD ENERGY 806857108 9 300 SH   DFND   0 300 0
SCHWAB U.S. SMALL-CAP ETF Exchange Traded Funds - Equity 808524607 13 131 SH   SOLE   131 0 0
SCHWAB FUNDAMENTAL EMERGING MARKETS LARGE COMPNY Exchange Traded Funds - Equity 808524730 7 214 SH   SOLE   214 0 0
SCHWAB FUNDAMENTAL INTERNATIONAL SMALL COMPANY Exchange Traded Funds - Equity 808524748 8 215 SH   SOLE   215 0 0
SCWAB FUNDAMENTAL INTERNATIONAL LARGE COMPANY Exchange Traded Funds - Equity 808524755 12 361 SH   SOLE   361 0 0
SCHWAB FUNDAMENTAL U.S. SMALL COMPANY INDEX ETF Exchange Traded Funds - Equity 808524763 11 205 SH   SOLE   205 0 0
SCHWAB FUNDAMENTAL U.S. LARGE COMPANY INDEX ETF Exchange Traded Funds - Equity 808524771 23 385 SH   SOLE   385 0 0
SCHWAB INTERNATIONAL EQUITY ETF Exchange Traded Funds - Equity 808524805 7 178 SH   SOLE   178 0 0
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MATERIAL SELECT SECTOR SPDR TRUST MATERIALS 81369Y100 224 2,475 SH   SOLE   2,475 0 0
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ENERGY SELECT SECTOR SPDR FUND ENERGY 81369Y506 27 480 SH   SOLE   480 0 0
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TECHNOLOGY SELECT SECT SPDR INFORMATION TECHNOLOGY 81369Y803 1,018 5,856 SH   SOLE   5,856 0 0
TECHNOLOGY SELECT SECT SPDR INFORMATION TECHNOLOGY 81369Y803 78 450 SH   DFND   0 450 0
COMMUNICATION SERVICES SELECT SECTOR SPDR FUND COMMUNICATION SERVICES 81369Y852 129 1,661 SH   SOLE   1,661 0 0
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SEMPRA UTILITIES 816851109 118 895 SH   SOLE   895 0 0
SHERWIN WILLIAMS COMPANY CONSUMER DISCRETIONARY 824348106 32 90 SH   SOLE   90 0 0
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SIEMENS AG FOREIGN EQUITIES 826197501 27 315 SH   SOLE   315 0 0
SIMON PROPERTY GROUP REAL ESTATE 828806109 25 156 SH   SOLE   156 0 0
SIX FLAGS ENTERTAINMENT CORPORATION CONSUMER DISCRETIONARY 83001A102 6 135 SH   SOLE   135 0 0
SMITH-MIDLAND CORPORATION INDUSTRIALS 832156103 7 140 SH   SOLE   140 0 0
J.M. SMUCKER COMPANY CONSUMER STAPLES 832696405 218 1,606 SH   SOLE   655 951 0
SNAP-ON INC CONSUMER DISCRETIONARY 833034101 41 189 SH   SOLE   189 0 0
SONY GROUP CORP FOREIGN EQUITIES 835699307 23 180 SH   SOLE   180 0 0
SOUTHERN CO UTILITIES 842587107 691 10,077 SH   SOLE   9,462 615 0
SOUTHERN CO UTILITIES 842587107 229 3,345 SH   DFND   2,600 745 0
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STARBUCKS CORPORATION CONSUMER DISCRETIONARY 855244109 441 3,770 SH   SOLE   3,770 0 0
STARBUCKS CORPORATION CONSUMER DISCRETIONARY 855244109 11 92 SH   DFND   0 92 0
STATE STREET CORP. COM FINANCIALS 857477103 3 31 SH   SOLE   31 0 0
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STRYKER CORP HEALTHCARE 863667101 993 3,715 SH   SOLE   3,715 0 0
STRYKER CORP HEALTHCARE 863667101 67 250 SH   DFND   140 110 0
SUMMIT THERAPEUTICS INC. HEALTHCARE 86627T108 3 1,000 SH   SOLE   1,000 0 0
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SUNDIAL GROWERS INC COM FOREIGN EQUITIES 86730L109 1 1,000 SH   SOLE   1,000 0 0
SYNOPSYS INC INFORMATION TECHNOLOGY 871607107 7 20 SH   SOLE   20 0 0
SYSCO CORPORATION CONSUMER STAPLES 871829107 17 220 SH   SOLE   220 0 0
TJX COS INC NEW CONSUMER DISCRETIONARY 872540109 45 591 SH   SOLE   591 0 0
TAKE-TWO INTERACTIVE SOFTWARE, INC. INFORMATION TECHNOLOGY 874054109 17 95 SH   SOLE   95 0 0
TARGET CORP CONSUMER DISCRETIONARY 87612E106 797 3,443 SH   SOLE   3,271 130 42
TARGET CORP CONSUMER DISCRETIONARY 87612E106 324 1,400 SH   DFND   520 880 0
TELADOC HEALTH INC. HEALTHCARE 87918A105 30 327 SH   SOLE   327 0 0
TERADATA CORPORATION INFORMATION TECHNOLOGY 88076W103 1 17 SH   SOLE   17 0 0
TESLA MOTORS INC CONSUMER DISCRETIONARY 88160R101 1,135 1,074 SH   SOLE   1,074 0 0
TEXAS INSTRUMENTS INFORMATION TECHNOLOGY 882508104 80 424 SH   SOLE   424 0 0
TEXTRON INC INDUSTRIALS 883203101 5 65 SH   SOLE   65 0 0
THE TRADE DESK, INC. INFORMATION TECHNOLOGY 88339J105 73 800 SH   SOLE   800 0 0
3M CO COM INDUSTRIALS 88579Y101 402 2,263 SH   SOLE   1,748 515 0
3M CO COM INDUSTRIALS 88579Y101 139 785 SH   DFND   785 0 0
TILRAY INC COM CL 2 HEALTHCARE 88688T100 0 55 SH   SOLE   55 0 0
TORONTO-DOMINION BANK NEW FOREIGN EQUITIES 891160509 27 351 SH   SOLE   351 0 0
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TOYOTA MOTOR CORP ADR CONSUMER DISCRETIONARY 892331307 19 100 SH   SOLE   100 0 0
TRANSMEDICS GROUP INC. HEALTHCARE 89377M109 4 220 SH   SOLE   220 0 0
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TWILIO INC. - A INFORMATION TECHNOLOGY 90138F102 30 113 SH   SOLE   113 0 0
US BANCORP DEL COM NEW FINANCIALS 902973304 104 1,858 SH   SOLE   1,858 0 0
US BANCORP DEL COM NEW FINANCIALS 902973304 7 120 SH   DFND   120 0 0
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UNION PACIFIC CORP INDUSTRIALS 907818108 189 749 SH   SOLE   749 0 0
UNITED PARCEL SERVICE INDUSTRIALS 911312106 439 2,050 SH   SOLE   2,050 0 0
UNITEDHEALTH GROUP INC HEALTHCARE 91324P102 1,280 2,550 SH   SOLE   2,550 0 0
UNIVERSAL DISPLAY CORP INFORMATION TECHNOLOGY 91347P105 3 17 SH   SOLE   17 0 0
UPSTART HLDGS INC COM FINANCIALS 91680M107 23 150 SH   SOLE   150 0 0
VAIL RESORTS INC. CONSUMER DISCRETIONARY 91879Q109 5 15 SH   SOLE   15 0 0
VALERO ENERGY NEW ENERGY 91913Y100 220 2,925 SH   SOLE   2,810 115 0
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VANECK SEMICONDUCTOR ETF Exchange Traded Funds - Equity 92189F676 22 70 SH   SOLE   70 0 0
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VANGUARD REAL ESTATE ETF Exchange Traded Funds - Equity 922908553 23 195 SH   DFND   0 195 0
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VERIZON COMMUNICATIONS INC COMMUNICATION SERVICES 92343V104 1,715 33,015 SH   SOLE   31,279 1,736 0
VERIZON COMMUNICATIONS INC COMMUNICATION SERVICES 92343V104 297 5,709 SH   DFND   3,587 2,122 0
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VERTEX PHARMACEUTICALS INC HEALTHCARE 92532F100 14 62 SH   SOLE   62 0 0
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VISA INC - CLASS A SHARES INFORMATION TECHNOLOGY 92826C839 887 4,091 SH   SOLE   3,991 100 0
VMWARE INC INFORMATION TECHNOLOGY 928563402 9 75 SH   SOLE   75 0 0
VONTIER CORPORATION INDUSTRIALS 928881101 2 74 SH   DFND   40 34 0
WALMART INC CONSUMER STAPLES 931142103 962 6,649 SH   SOLE   6,369 280 0
WALMART INC CONSUMER STAPLES 931142103 76 525 SH   DFND   525 0 0
WASTE MANAGEMENT INC NEW INDUSTRIALS 94106L109 1,560 9,345 SH   SOLE   8,390 955 0
WASTE MANAGEMENT INC NEW INDUSTRIALS 94106L109 219 1,310 SH   DFND   880 430 0
WAYFAIR INC CL A CONSUMER DISCRETIONARY 94419L101 19 100 SH   SOLE   100 0 0
WELLS FARGO & CO NEW FINANCIALS 949746101 46 969 SH   SOLE   749 220 0
WELLS FARGO & CO NEW FINANCIALS 949746101 34 700 SH   DFND   700 0 0
WESTERN DIGITAL CORP INFORMATION TECHNOLOGY 958102105 23 360 SH   SOLE   360 0 0
WHERE FOOD COMES FROM INC. INDUSTRIALS 96327X200 5 320 SH   SOLE   320 0 0
WHIRLPOOL CORP CONSUMER DISCRETIONARY 963320106 26 110 SH   SOLE   110 0 0
THE WILLIAMS CO. INC. ENERGY 969457100 46 1,784 SH   SOLE   1,784 0 0
WISDOMTREE INVESTMENTS INC FINANCIALS 97717P104 4 600 SH   SOLE   600 0 0
XCEL ENERGY INC UTILITIES 98389B100 5 80 SH   SOLE   80 0 0
YUM BRANDS INC. CONSUMER DISCRETIONARY 988498101 11 80 SH   SOLE   80 0 0
YUM BRANDS INC. CONSUMER DISCRETIONARY 988498101 83 600 SH   DFND   0 600 0
ZEBRA TECHNOLOGIES CORP CLASS A INFORMATION TECHNOLOGY 989207105 48 80 SH   SOLE   80 0 0
ZIMMER HOLDINGS INC. HEALTHCARE 98956P102 66 521 SH   SOLE   21 500 0
ZOETIS INC HEALTHCARE 98978V103 6 25 SH   SOLE   25 0 0
ZUORA INC INFORMATION TECHNOLOGY 98983V106 9 494 SH   SOLE   494 0 0
ZYMERGEN INC. MATERIALS 98985X100 4 550 SH   SOLE   550 0 0