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
ALLEGION PLC FOREIGN EQUITIES G0176J109 8 80 SH   SOLE   80 0 0
ACCENTURE LTD BERMUDA CL A FOREIGN EQUITIES G1151C101 234 1,090 SH   SOLE   1,090 0 0
ACCENTURE LTD BERMUDA CL A FOREIGN EQUITIES G1151C101 43 200 SH   DFND   200 0 0
EATON CORP PLC FOREIGN EQUITIES G29183103 15 174 SH   SOLE   174 0 0
HELEN OF TROY LTD FOREIGN EQUITIES G4388N106 14 76 SH   SOLE   76 0 0
JAZZ PHARMACEUTICALS PLC FOREIGN EQUITIES G50871105 4 36 SH   SOLE   36 0 0
LINDE PLC SHS FOREIGN EQUITIES G5494J103 21 100 SH   SOLE   100 0 0
MEDTRONIC PLC ORDINARY FOREIGN EQUITIES G5960L103 394 4,300 SH   SOLE   4,000 0 300
MEDTRONIC PLC ORDINARY FOREIGN EQUITIES G5960L103 64 700 SH   DFND   300 400 0
TRANE TECHNOLOGIES PLC SHS FOREIGN EQUITIES G8994E103 9 100 SH   SOLE   100 0 0
ALCON INC ORD SHS FOREIGN EQUITIES H01301128 24 426 SH   SOLE   368 0 58
ALCON INC ORD SHS FOREIGN EQUITIES H01301128 20 348 SH   DFND   250 98 0
CHUBB LTD FOREIGN EQUITIES H1467J104 40 317 SH   SOLE   317 0 0
SPOTIFY TECHNOLOGY S A SHS COMMON STOCK L8681T102 6 25 SH   SOLE   25 0 0
STRATASYS LTD COMMON STOCK M85548101 8 500 SH   SOLE   500 0 0
LYONDELLBASELL INDUSTRIES N.V. CL A FOREIGN EQUITIES N53745100 4 63 SH   SOLE   63 0 0
MYLAN NV FOREIGN EQUITIES N59465109 6 400 SH   SOLE   400 0 0
AT&T INC COM COMMON STOCK 00206R102 1,623 53,691 SH   SOLE   51,091 2,100 500
AT&T INC COM COMMON STOCK 00206R102 776 25,686 SH   DFND   23,886 1,800 0
ABBOTT LABS COM COMMON STOCK 002824100 1,291 14,115 SH   SOLE   12,615 1,200 300
ABBOTT LABS COM COMMON STOCK 002824100 695 7,600 SH   DFND   7,500 100 0
ABBVIE, INC COMMON STOCK 00287Y109 1,750 17,829 SH   SOLE   16,634 895 300
ABBVIE, INC COMMON STOCK 00287Y109 1,003 10,218 SH   DFND   9,968 250 0
AGILENT TECHNOLOGIES INC COM COMMON STOCK 00846U101 9 100 SH   SOLE   100 0 0
AGILENT TECHNOLOGIES INC COM COMMON STOCK 00846U101 18 200 SH   DFND   0 200 0
AIR PRODUCT AND CHEMICALS INC COMMON STOCK 009158106 1,308 5,417 SH   SOLE   4,847 570 0
AIR PRODUCT AND CHEMICALS INC COMMON STOCK 009158106 674 2,790 SH   DFND   2,590 200 0
ALLIANCEBERNSTEIN HLDG L P UNIT LTD PARTNERSHIP COMMON STOCK 01881G106 11 400 SH   SOLE   400 0 0
ALLSTATE CORP COM COMMON STOCK 020002101 10 100 SH   SOLE   100 0 0
ALNYLAM PHARMACEUTICALS INC COM COMMON STOCK 02043Q107 7 50 SH   SOLE   50 0 0
ALPHABET INC CAP STK CL C COMMON STOCK 02079K107 1,053 745 SH   SOLE   665 80 0
ALPHABET INC CAP STK CL C COMMON STOCK 02079K107 933 660 SH   DFND   640 20 0
ALPHABET INC CAP STK CL A COMMON STOCK 02079K305 800 564 SH   SOLE   564 0 0
ALPHABET INC CAP STK CL A COMMON STOCK 02079K305 99 70 SH   DFND   60 10 0
ALTRIA GROUP INC COMMON STOCK 02209S103 181 4,622 SH   SOLE   4,622 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 143 3,650 SH   DFND   1,700 1,950 0
AMAZON COM INC COM COMMON STOCK 023135106 2,579 935 SH   SOLE   897 38 0
AMAZON COM INC COM COMMON STOCK 023135106 2,135 774 SH   DFND   769 5 0
AMERICAN ELEC PWR INC COM COMMON STOCK 025537101 28 355 SH   SOLE   355 0 0
AMERICAN ELEC PWR INC COM COMMON STOCK 025537101 222 2,785 SH   DFND   2,785 0 0
AMERICAN EQUITY INVT LIFE HLDG COMMON STOCK 025676206 3 111 SH   SOLE   111 0 0
AMERICAN EXPRESS CO COM COMMON STOCK 025816109 1,420 14,914 SH   SOLE   13,714 1,200 0
AMERICAN EXPRESS CO COM COMMON STOCK 025816109 217 2,275 SH   DFND   1,575 700 0
AMERICAN INTL GROUP WARRANTSEXP 1/19/2021 WARRANTS & RIGHTS 026874156 0 8 SH   SOLE   8 0 0
AMERICAN INTL GROUP INC COM COMMON STOCK 026874784 0 8 SH   SOLE   8 0 0
AMERICAN WATER WORKS COMMON STOCK 030420103 1,209 9,400 SH   SOLE   8,200 1,200 0
AMERICAN WATER WORKS COMMON STOCK 030420103 167 1,300 SH   DFND   1,100 200 0
AMERIPRISE FINL INC COM COMMON STOCK 03076C106 149 990 SH   SOLE   990 0 0
AMGEN INC COM COMMON STOCK 031162100 747 3,169 SH   SOLE   2,869 300 0
AMGEN INC COM COMMON STOCK 031162100 425 1,800 SH   DFND   1,800 0 0
ANALOG DEVICES INC COMMON STOCK 032654105 1,165 9,497 SH   SOLE   8,497 1,000 0
ANALOG DEVICES INC COMMON STOCK 032654105 132 1,077 SH   DFND   938 139 0
ANNALY CAPITAL MANAGEMENT INCOM COMMON STOCK 035710409 9 1,400 SH   SOLE   1,400 0 0
APPLE COMPUTER INC COM COMMON STOCK 037833100 5,819 15,951 SH   SOLE   15,381 570 0
APPLE COMPUTER INC COM COMMON STOCK 037833100 1,670 4,579 SH   DFND   4,124 455 0
APPLIED MATLS INC COM COMMON STOCK 038222105 60 1,000 SH   SOLE   1,000 0 0
ARCONIC CORPORATION COM COMMON STOCK 03966V107 1 58 SH   SOLE   58 0 0
ARES CAP CORP COM MUTUAL FUNDS-ETF EQUITIES 04010L103 10 682 SH   SOLE   682 0 0
ASTRAZENECA PLC SPONSORED ADR FOREIGN EQUITIES 046353108 8 150 SH   SOLE   150 0 0
AUTOMATIC DATA PROCESSING INCOM COMMON STOCK 053015103 838 5,630 SH   SOLE   5,530 100 0
AUTOMATIC DATA PROCESSING INCOM COMMON STOCK 053015103 85 570 SH   DFND   200 370 0
AUTOZONE INC COM COMMON STOCK 053332102 353 313 SH   SOLE   313 0 0
AUTOZONE INC COM COMMON STOCK 053332102 56 50 SH   DFND   50 0 0
BP PLC SPONSORED ADR FOREIGN EQUITIES 055622104 138 5,939 SH   SOLE   5,939 0 0
BP PLC SPONSORED ADR FOREIGN EQUITIES 055622104 68 2,900 SH   DFND   2,700 200 0
BANKAMERICA CORP NEW COMMON STOCK 060505104 259 10,925 SH   SOLE   10,925 0 0
BANKAMERICA CORP NEW COMMON STOCK 060505104 14 600 SH   DFND   600 0 0
BANK NEW YORK MELLON CORP COM COMMON STOCK 064058100 158 4,100 SH   SOLE   4,100 0 0
BANK NEW YORK MELLON CORP COM COMMON STOCK 064058100 81 2,100 SH   DFND   2,100 0 0
BAXTER INTL INC COM COMMON STOCK 071813109 887 10,305 SH   SOLE   8,750 1,555 0
BAXTER INTL INC COM COMMON STOCK 071813109 211 2,450 SH   DFND   2,150 300 0
BERKSHIRE HATHAWAY B NEW COMMON STOCK 084670702 1,258 7,045 SH   SOLE   6,545 500 0
BERKSHIRE HATHAWAY B NEW COMMON STOCK 084670702 321 1,800 SH   DFND   1,800 0 0
BIOGEN INC COM COMMON STOCK 09062X103 3 10 SH   SOLE   10 0 0
BLACKROCK INC COM COMMON STOCK 09247X101 381 700 SH   DFND   700 0 0
BOEING CO COM COMMON STOCK 097023105 1,359 7,415 SH   SOLE   7,390 25 0
BOEING CO COM COMMON STOCK 097023105 160 875 SH   DFND   875 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 2,010 34,195 SH   SOLE   32,595 1,200 400
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 691 11,748 SH   DFND   10,485 1,263 0
BRISTOL-MYERS SQUIBB CO RIGHT 99/99/9999 WARRANTS & RIGHTS 110122157 0 80 SH   SOLE   80 0 0
BROADCOM INC NPV COMMON STOCK 11135F101 848 2,686 SH   SOLE   2,286 400 0
BROADCOM INC NPV COMMON STOCK 11135F101 25 80 SH   DFND   50 30 0
CDK GLOBAL, INC. COMMON STOCK 12508E101 4 91 SH   SOLE   91 0 0
CIGNA CORP NEW COM COMMON STOCK 125523100 19 100 SH   SOLE   100 0 0
CSX CORP COM COMMON STOCK 126408103 119 1,700 SH   SOLE   1,700 0 0
CVS/CAREMARK CORP COM COMMON STOCK 126650100 114 1,756 SH   SOLE   1,756 0 0
CAPITAL ONE FINL CORP COMMON STOCK 14040H105 13 200 SH   SOLE   200 0 0
CARRIER GLOBAL CORPORATION COM COMMON STOCK 14448C104 25 1,130 SH   SOLE   1,130 0 0
CARRIER GLOBAL CORPORATION COM COMMON STOCK 14448C104 207 9,300 SH   DFND   9,300 0 0
CATERPILLAR INC DEL COM COMMON STOCK 149123101 76 600 SH   SOLE   600 0 0
CATERPILLAR INC DEL COM COMMON STOCK 149123101 9 75 SH   DFND   0 75 0
CHARTER COMMUNICATIONS INC NCL A COMMON STOCK 16119P108 3 6 SH   SOLE   6 0 0
CHEMOURS CO COM COMMON STOCK 163851108 1 35 SH   SOLE   35 0 0
CHEMOURS CO COM COMMON STOCK 163851108 1 60 SH   DFND   60 0 0
CHENIERE ENERGY INC COM NEW COMMON STOCK 16411R208 5 100 SH   SOLE   100 0 0
CHEVRONTEXACO CORP COM COMMON STOCK 166764100 1,235 13,836 SH   SOLE   13,036 800 0
CHEVRONTEXACO CORP COM COMMON STOCK 166764100 681 7,630 SH   DFND   7,330 300 0
CHIMERA INVT CORP COM NEW COMMON STOCK 16934Q208 5 500 SH   SOLE   500 0 0
CISCO SYS INC COM COMMON STOCK 17275R102 1,613 34,595 SH   SOLE   32,145 2,300 150
CISCO SYS INC COM COMMON STOCK 17275R102 203 4,355 SH   DFND   2,900 1,455 0
CITIGROUP INC NEW COMMON STOCK 172967424 91 1,786 SH   SOLE   1,786 0 0
CLOROX COMPANY COMMON STOCK 189054109 27 125 SH   SOLE   125 0 0
COCA COLA CO COM COMMON STOCK 191216100 1,702 38,104 SH   SOLE   35,804 1,500 800
COCA COLA CO COM COMMON STOCK 191216100 178 3,977 SH   DFND   2,732 1,245 0
COLGATE PALMOLIVE CO COM COMMON STOCK 194162103 362 4,945 SH   SOLE   4,945 0 0
COLGATE PALMOLIVE CO COM COMMON STOCK 194162103 293 4,000 SH   DFND   4,000 0 0
COMCAST CORP COMMON STOCK 20030N101 339 8,694 SH   SOLE   7,574 1,120 0
COMCAST CORP COMMON STOCK 20030N101 47 1,200 SH   DFND   1,200 0 0
COMMUNITY BANK SYSTEM INC COMMON STOCK 203607106 262 4,600 SH   SOLE   4,600 0 0
CONDUENT INC COM COMMON STOCK 206787103 0 75 SH   SOLE   75 0 0
CONOCOPHILLIPS COM COMMON STOCK 20825C104 135 3,207 SH   SOLE   3,207 0 0
CONOCOPHILLIPS COM COMMON STOCK 20825C104 185 4,400 SH   DFND   4,400 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 225 3,128 SH   SOLE   3,128 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 72 1,000 SH   DFND   0 0 1,000
CORNING INC COM COMMON STOCK 219350105 84 3,233 SH   SOLE   3,233 0 0
CORTEVA INC COM COMMON STOCK 22052L104 115 4,291 SH   SOLE   4,088 0 203
CORTEVA INC COM COMMON STOCK 22052L104 145 5,412 SH   DFND   3,468 1,944 0
COSTCO WHSL CORP NEW COMMON STOCK 22160K105 61 200 SH   SOLE   200 0 0
DANAHER CORP COMMON STOCK 235851102 9 50 SH   SOLE   50 0 0
DEERE & CO COM COMMON STOCK 244199105 171 1,090 SH   SOLE   890 0 200
DEERE & CO COM COMMON STOCK 244199105 244 1,550 SH   DFND   1,400 150 0
DELL TECHNOLOGIES INC CL C COMMON STOCK 24703L202 2 35 SH   SOLE   35 0 0
DISNEY WALT CO COM DISNEY COMMON STOCK 254687106 1,005 9,016 SH   SOLE   8,416 600 0
DISNEY WALT CO COM DISNEY COMMON STOCK 254687106 253 2,265 SH   DFND   1,840 100 325
DISCOVER FINL SVCS COMMON STOCK 254709108 7 136 SH   SOLE   136 0 0
DOLLAR TREE INC COM COMMON STOCK 256746108 3 30 SH   SOLE   30 0 0
DOMINION RES INC VA NEW COM COMMON STOCK 25746U109 1,573 19,381 SH   SOLE   17,681 1,100 600
DOMINION RES INC VA NEW COM COMMON STOCK 25746U109 844 10,400 SH   DFND   9,400 1,000 0
DOW INC COM COMMON STOCK 260557103 174 4,279 SH   SOLE   4,076 0 203
DOW INC COM COMMON STOCK 260557103 221 5,413 SH   DFND   3,469 1,944 0
DUKE ENERGY HLDG CORP COMMON STOCK 26441C204 697 8,727 SH   SOLE   8,727 0 0
DUKE ENERGY HLDG CORP COMMON STOCK 26441C204 362 4,532 SH   DFND   4,466 66 0
DUPONT DE NEMOURS INC COM COMMON STOCK 26614N102 295 5,560 SH   SOLE   5,357 0 203
DUPONT DE NEMOURS INC COM COMMON STOCK 26614N102 277 5,212 SH   DFND   3,268 1,944 0
EATON VANCE CORP- NON VTG COMMON STOCK 278265103 2 64 SH   SOLE   64 0 0
EATON VANCE INSURED MUNI BD FD MUTUAL FUNDS-ETF NON-TAX 27827X101 21 1,666 SH   SOLE   1,666 0 0
EBAY INC COM COMMON STOCK 278642103 23 434 SH   SOLE   434 0 0
ECOLAB INC COMMON STOCK 278865100 757 3,805 SH   SOLE   3,680 125 0
ECOLAB INC COMMON STOCK 278865100 95 480 SH   DFND   480 0 0
ELECTRONIC ARTS INC COMMON STOCK 285512109 4 31 SH   SOLE   31 0 0
EMERSON ELEC CO COM COMMON STOCK 291011104 1,257 20,270 SH   SOLE   18,670 1,200 400
EMERSON ELEC CO COM COMMON STOCK 291011104 323 5,200 SH   DFND   3,700 1,500 0
ENBRIDGE INC FOREIGN EQUITIES 29250N105 1,053 34,626 SH   SOLE   31,938 2,688 0
ENBRIDGE INC FOREIGN EQUITIES 29250N105 391 12,866 SH   DFND   10,487 2,379 0
ENERGY TRANSFER EQUITY L P COM UNIT LTD PRTNERS COMMON STOCK 29273V100 262 36,792 SH   SOLE   36,792 0 0
ENTEGRIS INC COMMON STOCK 29362U104 12 200 SH   SOLE   200 0 0
EQIUTRANS MIDSTREAM CO COMMON STOCK 294600101 1 100 SH   SOLE   100 0 0
ESSA BANCORP INC COM COMMON STOCK 29667D104 23 1,662 SH   SOLE   1,662 0 0
ESSENTIAL UTILS INC COM COMMON STOCK 29670G102 42 1,000 SH   SOLE   0 0 1,000
ESSENTIAL UTILS INC COM COMMON STOCK 29670G102 11 250 SH   DFND   250 0 0
EXELON CORP COM COMMON STOCK 30161N101 359 9,900 SH   SOLE   9,400 0 500
EXELON CORP COM COMMON STOCK 30161N101 36 1,000 SH   DFND   1,000 0 0
EXPEDITORS INTL WASH INC COMMON STOCK 302130109 902 11,860 SH   SOLE   10,160 1,200 500
EXPEDITORS INTL WASH INC COMMON STOCK 302130109 202 2,650 SH   DFND   950 1,700 0
EXXON MOBIL CORP COM COMMON STOCK 30231G102 1,560 34,875 SH   SOLE   33,675 1,100 100
EXXON MOBIL CORP COM COMMON STOCK 30231G102 973 21,750 SH   DFND   15,950 4,800 1,000
F M C CORP COM NEW COMMON STOCK 302491303 578 5,800 SH   SOLE   5,800 0 0
F N B CORP PA COMMON STOCK 302520101 435 57,937 SH   SOLE   57,937 0 0
FACEBOOK INC COMMON STOCK 30303M102 48 210 SH   SOLE   210 0 0
FASTENAL CO COM COMMON STOCK 311900104 2,511 58,615 SH   SOLE   52,930 3,685 2,000
FASTENAL CO COM COMMON STOCK 311900104 720 16,800 SH   DFND   12,400 4,400 0
FEDEX CORPORATION COMMON STOCK 31428X106 470 3,350 SH   SOLE   3,350 0 0
FEDEX CORPORATION COMMON STOCK 31428X106 112 800 SH   DFND   800 0 0
FIDELITY D & D BANCORP INC COM COMMON STOCK 31609R100 7 146 SH   SOLE   146 0 0
FIDELITY D & D BANCORP INC COM COMMON STOCK 31609R100 200 4,156 SH   DFND   4,156 0 0
FIFTH THIRD BANCORP COMMON STOCK 316773100 9 493 SH   SOLE   493 0 0
FIRST SOLAR INC COMMON STOCK 336433107 10 200 SH   DFND   200 0 0
FORD MTR CO DEL COM PAR $0.01 COMMON STOCK 345370860 3 500 SH   SOLE   500 0 0
FORD MTR CO DEL COM PAR $0.01 COMMON STOCK 345370860 1 107 SH   DFND   107 0 0
FORTIVE CORP COM COMMON STOCK 34959J108 3 37 SH   SOLE   37 0 0
FREEPORTMCMORAN COPP CL B COMMON STOCK 35671D857 3 268 SH   SOLE   268 0 0
GATX CORP COMMON STOCK 361448103 4 72 SH   SOLE   72 0 0
GARRETT MOTION INC COM COMMON STOCK 366505105 0 10 SH   DFND   0 10 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 161 1,075 SH   SOLE   1,075 0 0
GENERAL ELEC CO COM COMMON STOCK 369604103 369 54,010 SH   SOLE   54,010 0 0
GENERAL ELEC CO COM COMMON STOCK 369604103 112 16,471 SH   DFND   10,400 6,071 0
GENERAL MLS INC COM COMMON STOCK 370334104 1,261 20,452 SH   SOLE   19,052 1,400 0
GENERAL MLS INC COM COMMON STOCK 370334104 472 7,655 SH   DFND   6,455 1,200 0
GILEAD SCIENCES INC COMMON STOCK 375558103 108 1,403 SH   SOLE   1,403 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 4 50 SH   DFND   50 0 0
GLAXOSMITHKLINE PLC SPONSORED ADR FOREIGN EQUITIES 37733W105 384 9,421 SH   SOLE   9,421 0 0
GLAXOSMITHKLINE PLC SPONSORED ADR FOREIGN EQUITIES 37733W105 106 2,600 SH   DFND   2,300 300 0
GLOBAL PAMENTS INC COMMON STOCK 37940X102 17 100 SH   SOLE   100 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 15 75 SH   SOLE   75 0 0
HARLEY DAVIDSON INC COM COMMON STOCK 412822108 5 200 SH   SOLE   200 0 0
HASBRO INC COM COMMON STOCK 418056107 6 85 SH   SOLE   85 0 0
HEALTHPEAK PROPERTIES INC COM COMMON STOCK 42250P103 85 3,100 SH   SOLE   3,100 0 0
HEALTHPEAK PROPERTIES INC COM COMMON STOCK 42250P103 83 3,000 SH   DFND   3,000 0 0
HERSHEY FOODS CORP COM COMMON STOCK 427866108 82 629 SH   SOLE   629 0 0
HEXCEL CORP- NEW COMMON STOCK 428291108 5 100 SH   SOLE   100 0 0
HOME DEPOT INC COM COMMON STOCK 437076102 656 2,620 SH   SOLE   2,365 255 0
HOME DEPOT INC COM COMMON STOCK 437076102 33 130 SH   DFND   130 0 0
HONEYWELL INTL INC COM COMMON STOCK 438516106 427 2,956 SH   SOLE   2,956 0 0
HONEYWELL INTL INC COM COMMON STOCK 438516106 29 200 SH   DFND   100 100 0
ITT INC COM COMMON STOCK 45073V108 6 100 SH   DFND   100 0 0
INGERSOLL RAND INC COM COMMON STOCK 45687V106 2 88 SH   SOLE   88 0 0
INTEL CORP COM COMMON STOCK 458140100 1,169 19,541 SH   SOLE   18,741 400 400
INTEL CORP COM COMMON STOCK 458140100 500 8,350 SH   DFND   7,650 700 0
INTERNATIONAL BUSINESS MACHSCOM COMMON STOCK 459200101 950 7,864 SH   SOLE   7,864 0 0
INTERNATIONAL BUSINESS MACHSCOM COMMON STOCK 459200101 664 5,500 SH   DFND   4,700 800 0
INTL PAPER CO COM COMMON STOCK 460146103 25 700 SH   DFND   0 700 0
INVESCO EX AEROSPACE DEFENSE MUTUAL FUNDS-ETF EQUITIES 46137V100 7 120 SH   SOLE   120 0 0
INVESCO EX PFD ETF MUTUAL FUNDS-ETF EQUITIES 46138E511 56 4,000 SH   SOLE   4,000 0 0
IQIYI INC SPONSORED ADS FOREIGN EQUITIES 46267X108 1 50 SH   SOLE   50 0 0
ISHARES SILVER TRUST ETF MUTUAL FUNDS-ETF EQUITIES 46428Q109 60 3,500 SH   DFND   3,500 0 0
ISHARES GOLD TRUST MUTUAL FUNDS-EQUITIES 464285105 11 674 SH   SOLE   674 0 0
ISHARES MSCI PAC JP ETF MUTUAL FUNDS-EQUITIES 464286665 2 50 SH   SOLE   50 0 0
ISHARES S&P 100 MUTUAL FUNDS-EQUITIES 464287101 7 50 SH   SOLE   50 0 0
I SHARES TR DJ SLECT DIV INDEX MUTUAL FUNDS-EQUITIES 464287168 4 50 SH   SOLE   50 0 0
ISHARES BARCLAYS TIPS BND FD MUTUAL FUNDS-FIXED INCOME 464287176 16 134 SH   SOLE   134 0 0
ISHARES TR S&P NA NATURAL RESOURCES MUTUAL FUNDS-EQUITIES 464287374 11 500 SH   SOLE   500 0 0
ISHARES TR S&P NA NATURAL RESOURCES MUTUAL FUNDS-EQUITIES 464287374 22 1,000 SH   DFND   500 500 0
ISHARES TR MSCI EAFE INDEX MUTUAL FUNDS-ETF EQUITIES 464287465 201 3,300 SH   SOLE   3,300 0 0
ISHARES TR MSCI EAFE INDEX MUTUAL FUNDS-ETF EQUITIES 464287465 122 2,000 SH   DFND   1,500 500 0
ISHARES RUSSELL MID-CAP ETF MUTUAL FUNDS-EQUITIES 464287499 16 300 SH   SOLE   300 0 0
ISHARES S&P 600 INDEX MUTUAL FUNDS-ETF EQUITIES 464287804 17 250 SH   SOLE   250 0 0
ISHARES TR US TREAS BD ETF MUTUAL FUNDS-FIXED INCOME 46429B267 17 619 SH   SOLE   619 0 0
ISHARES TR MIN VOL USA ETF MUTUAL FUNDS-ETF EQUITIES 46429B697 27 440 SH   SOLE   440 0 0
J P MORGAN CHASE & CO COM COMMON STOCK 46625H100 1,583 16,835 SH   SOLE   15,835 1,000 0
J P MORGAN CHASE & CO COM COMMON STOCK 46625H100 164 1,740 SH   DFND   1,500 240 0
JOHNSON & JOHNSON COM COMMON STOCK 478160104 2,700 19,198 SH   SOLE   18,498 700 0
JOHNSON & JOHNSON COM COMMON STOCK 478160104 1,062 7,550 SH   DFND   6,550 1,000 0
KELLOGG CO COM COMMON STOCK 487836108 769 11,640 SH   SOLE   10,040 1,100 500
KELLOGG CO COM COMMON STOCK 487836108 251 3,800 SH   DFND   3,700 100 0
KEYSIGHT TECHNOLOGIES INC. COMMON STOCK 49338L103 10 100 SH   DFND   0 100 0
KIMBERLY CLARK CORP COM COMMON STOCK 494368103 254 1,800 SH   SOLE   1,800 0 0
KIMBERLY CLARK CORP COM COMMON STOCK 494368103 499 3,532 SH   DFND   3,532 0 0
KINDER MORGAN INC (DE) CLASS P COMMON STOCK 49456B101 4 292 SH   SOLE   292 0 0
KRAFT HEINZ CO COM COMMON STOCK 500754106 262 8,233 SH   SOLE   7,933 0 300
KRAFT HEINZ CO COM COMMON STOCK 500754106 62 1,945 SH   DFND   1,412 533 0
L3HARRIS TECHNOLOGIES INC COM COMMON STOCK 502431109 3 20 SH   DFND   20 0 0
LEGGETT & PLATT INC COMMON STOCK 524660107 4 100 SH   SOLE   100 0 0
LILLY ELI & CO COM COMMON STOCK 532457108 1,259 7,671 SH   SOLE   7,271 0 400
LILLY ELI & CO COM COMMON STOCK 532457108 1,515 9,225 SH   DFND   7,425 1,800 0
LINCOLN NATIONAL CORP COMMON STOCK 534187109 4 117 SH   SOLE   117 0 0
LITTLEFUSE INC COMMON STOCK 537008104 6 38 SH   SOLE   38 0 0
LOCKHEED MARTIN CORP COM COMMON STOCK 539830109 859 2,353 SH   SOLE   2,353 0 0
LOCKHEED MARTIN CORP COM COMMON STOCK 539830109 55 150 SH   DFND   150 0 0
LOWES COS INC COM COMMON STOCK 548661107 240 1,775 SH   SOLE   1,375 0 400
LOWES COS INC COM COMMON STOCK 548661107 122 900 SH   DFND   500 400 0
LULULEMON ATHLETICA COMMON STOCK 550021109 62 200 SH   SOLE   200 0 0
M&T BANK CORP COMMON STOCK 55261F104 5 50 SH   SOLE   50 0 0
MANNKIND CORPORATION COMMON STOCK 56400P706 0 240 SH   DFND   240 0 0
MANULIFE FINANCIAL CORP FOREIGN EQUITIES 56501R106 45 3,294 SH   SOLE   3,294 0 0
MARATHON OIL CO COMMON STOCK 565849106 19 3,111 SH   SOLE   3,111 0 0
MARATHON PETROLEUM CORP COMMON STOCK 56585A102 103 2,768 SH   SOLE   2,768 0 0
MARRIOTT INTL INC NEW CL A COMMON STOCK 571903202 4 50 SH   DFND   50 0 0
MASTERCARD INCORPORATED COMMON STOCK 57636Q104 3,676 12,433 SH   SOLE   11,533 900 0
MASTERCARD INCORPORATED COMMON STOCK 57636Q104 894 3,025 SH   DFND   2,925 100 0
MATTEL INC COM COMMON STOCK 577081102 39 3,983 SH   SOLE   3,983 0 0
MCDONALDS CORP COM COMMON STOCK 580135101 3,548 19,233 SH   SOLE   18,633 600 0
MCDONALDS CORP COM COMMON STOCK 580135101 590 3,200 SH   DFND   3,100 100 0
MCKESSON CORP COMMON STOCK 58155Q103 15 100 SH   SOLE   100 0 0
MEDICAL PROPERTIES TR INC COMMON STOCK 58463J304 4 188 SH   SOLE   188 0 0
MERCK & CO INC NEW COMMON STOCK 58933Y105 1,463 18,925 SH   SOLE   18,160 265 500
MERCK & CO INC NEW COMMON STOCK 58933Y105 529 6,835 SH   DFND   5,735 1,100 0
METLIFE INC COMMON STOCK 59156R108 7 200 SH   DFND   0 200 0
MICROSOFT CORP COMMON STOCK 594918104 6,374 31,320 SH   SOLE   29,820 1,500 0
MICROSOFT CORP COMMON STOCK 594918104 1,512 7,430 SH   DFND   4,750 2,680 0
MICROCHIP TECHNOLOGY INC COM COMMON STOCK 595017104 2,130 20,225 SH   SOLE   18,225 1,600 400
MICROCHIP TECHNOLOGY INC COM COMMON STOCK 595017104 470 4,460 SH   DFND   3,250 1,210 0
MONDELEZ INTL INC COMMON STOCK 609207105 551 10,773 SH   SOLE   10,273 0 500
MONDELEZ INTL INC COMMON STOCK 609207105 520 10,178 SH   DFND   8,742 1,436 0
MR COOPER GROUP INC COM COMMON STOCK 62482R107 0 4 SH   SOLE   4 0 0
NBT BANCORP INC COM COMMON STOCK 628778102 3,691 120,025 SH   DFND   0 120,025 0
NATIONAL OILWELL VARCO INC COM COMMON STOCK 637071101 31 2,500 SH   SOLE   2,500 0 0
NATIONAL OILWELL VARCO INC COM COMMON STOCK 637071101 5 400 SH   DFND   400 0 0
NETFLIX INC COM COMMON STOCK 64110L106 137 300 SH   DFND   300 0 0
NEW YORK COMMUNITY BANCORP INC COMMON STOCK 649445103 3 300 SH   SOLE   300 0 0
NEW YORK TIMES CO CL A COMMON STOCK 650111107 25 600 SH   SOLE   600 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 1,105 4,600 SH   SOLE   4,600 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 1,113 4,633 SH   DFND   4,033 600 0
NIKE INC CL B COMMON STOCK 654106103 610 6,219 SH   SOLE   5,774 445 0
NIKE INC CL B COMMON STOCK 654106103 125 1,275 SH   DFND   1,275 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 815 4,640 SH   SOLE   4,640 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 57 325 SH   DFND   225 100 0
NORTHROP GRUMMAN CORP COM COMMON STOCK 666807102 61 200 SH   SOLE   200 0 0
NORWOOD FINANCIAL CORPORATION COMMON STOCK 669549107 298 12,006 SH   SOLE   12,006 0 0
NOVARTIS AG FOREIGN EQUITIES 66987V109 151 1,734 SH   SOLE   1,442 0 292
NOVARTIS AG FOREIGN EQUITIES 66987V109 148 1,692 SH   DFND   1,200 492 0
NOVO-NORDISK A S ADR FOREIGN EQUITIES 670100205 7 100 SH   DFND   100 0 0
NOW INC COMMON STOCK 67011P100 1 100 SH   DFND   100 0 0
NUCOR CORP COMMON STOCK 670346105 35 850 SH   SOLE   850 0 0
NUVEEN AMT-FREE MUNI INC FNDCOM MUTUAL FUNDS-FIXED INCOME 670657105 47 3,389 SH   SOLE   3,389 0 0
NUVEEN REAL ESTATE INCOME FD MUTUAL FUNDS-ETF EQUITIES 67071B108 13 1,700 SH   SOLE   1,700 0 0
NUVEEN PA INVT QUALITY MUN FCOM MUTUAL FUNDS-FIXED INCOME 670972108 45 3,352 SH   SOLE   3,352 0 0
OREILLY AUTOMOTIVE INC COM COMMON STOCK 67103H107 42 100 SH   DFND   100 0 0
OCCIDENTAL PETE CORP DEL COM COMMON STOCK 674599105 60 3,293 SH   SOLE   3,293 0 0
OCCIDENTAL PETE CORP DEL COM COMMON STOCK 674599105 7 400 SH   DFND   0 400 0
ORACLE CORP COM COMMON STOCK 68389X105 1,151 20,833 SH   SOLE   18,833 2,000 0
ORACLE CORP COM COMMON STOCK 68389X105 39 700 SH   DFND   400 300 0
ORASURE TECHNOLOGIES INC COM COMMON STOCK 68554V108 23 2,000 SH   SOLE   2,000 0 0
OTIS WORLDWIDE CORP COM COMMON STOCK 68902V107 32 564 SH   SOLE   564 0 0
OTIS WORLDWIDE CORP COM COMMON STOCK 68902V107 264 4,650 SH   DFND   4,650 0 0
PNC FINL SVCS GROUP INC COM COMMON STOCK 693475105 731 6,947 SH   SOLE   6,647 0 300
PNC FINL SVCS GROUP INC COM COMMON STOCK 693475105 342 3,250 SH   DFND   0 3,250 0
PPG INDS INC COM COMMON STOCK 693506107 146 1,380 SH   SOLE   1,380 0 0
PPG INDS INC COM COMMON STOCK 693506107 56 525 SH   DFND   125 400 0
PPL CORP, COM COMMON STOCK 69351T106 1,233 47,712 SH   SOLE   47,012 0 700
PPL CORP, COM COMMON STOCK 69351T106 530 20,527 SH   DFND   19,327 200 1,000
PAYCHEX INC COM COMMON STOCK 704326107 17 229 SH   SOLE   229 0 0
PAYPAL HLDGS INC COM COMMON STOCK 70450Y103 1,172 6,724 SH   SOLE   6,724 0 0
PAYPAL HLDGS INC COM COMMON STOCK 70450Y103 183 1,050 SH   DFND   1,050 0 0
PEOPLES FINL SVCS CORP COMMON STOCK 711040105 12,253 320,935 SH   SOLE   209,355 100 111,480
PEOPLES FINL SVCS CORP COMMON STOCK 711040105 120 3,136 SH   DFND   0 3,136 0
PEPSICO INC COM COMMON STOCK 713448108 4,343 32,840 SH   SOLE   31,640 900 300
PEPSICO INC COM COMMON STOCK 713448108 230 1,740 SH   DFND   850 890 0
PETMED EXPRESS INC COM COMMON STOCK 716382106 36 1,000 SH   SOLE   1,000 0 0
PFIZER INC COM COMMON STOCK 717081103 2,494 76,270 SH   SOLE   74,070 1,500 700
PFIZER INC COM COMMON STOCK 717081103 805 24,624 SH   DFND   18,800 5,324 500
PHILIP MORRIS INTL INC COMMON STOCK 718172109 464 6,617 SH   SOLE   6,617 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109 206 2,940 SH   DFND   1,240 1,700 0
PHILLIPS 66 COMMON STOCK 718546104 341 4,745 SH   SOLE   4,745 0 0
PHILLIPS 66 COMMON STOCK 718546104 170 2,365 SH   DFND   2,365 0 0
PIMCO ETF TR ENHAN SHRT MA AC COMMON STOCK 72201R833 20 196 SH   SOLE   196 0 0
PROCTER & GAMBLE CO COM COMMON STOCK 742718109 3,690 30,858 SH   SOLE   29,058 1,300 500
PROCTER & GAMBLE CO COM COMMON STOCK 742718109 2,080 17,393 SH   DFND   11,133 5,860 400
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102 7 112 SH   SOLE   112 0 0
PUBLIC SVC ENTERPRISE GROUP COM COMMON STOCK 744573106 13 262 SH   SOLE   262 0 0
PUBLIC SVC ENTERPRISE GROUP COM COMMON STOCK 744573106 20 400 SH   DFND   400 0 0
QUALCOMM INC COM COMMON STOCK 747525103 669 7,335 SH   SOLE   7,335 0 0
QUALCOMM INC COM COMMON STOCK 747525103 178 1,950 SH   DFND   1,950 0 0
RAYMOND JAMES FINANCIAL INC COMMON STOCK 754730109 6 80 SH   SOLE   80 0 0
RAYTHEON TECHNOLOGIES CORP COM COMMON STOCK 75513E101 236 3,831 SH   SOLE   3,831 0 0
RAYTHEON TECHNOLOGIES CORP COM COMMON STOCK 75513E101 573 9,300 SH   DFND   9,300 0 0
REGIONS FINANCIAL CORP NEW COMMON STOCK 7591EP100 8 684 SH   SOLE   684 0 0
RESIDEO TECHNOLOGIES INC COM COMMON STOCK 76118Y104 0 16 SH   DFND   0 16 0
RESTAURANT BRANDS INTL INC COM FOREIGN EQUITIES 76131D103 6 106 SH   SOLE   106 0 0
ROCKWELL AUTOMATION INC COMMON STOCK 773903109 11 50 SH   SOLE   50 0 0
ROYAL DUTCH SHELL PLC RDS-B FOREIGN EQUITIES 780259107 9 300 SH   SOLE   300 0 0
ROYAL DUTCH SHELL PLC SPONS ADR A FOREIGN EQUITIES 780259206 106 3,250 SH   DFND   400 2,850 0
SBA COMMUNICATIONS CORP NEW NPV COMMON STOCK 78410G104 12 39 SH   SOLE   39 0 0
GOLD TRUST MUTUAL FUNDS-ETF EQUITIES 78463V107 84 500 SH   SOLE   500 0 0
SPDR INDEX SHS FDS S&P INTL ETF MUTUAL FUNDS-ETF EQUITIES 78463X772 27 800 SH   SOLE   800 0 0
SPDR SER TR SSGA US SMAL ETF MUTUAL FUNDS-ETF EQUITIES 78468R887 5 60 SH   SOLE   60 0 0
SANOFI AVENTIS SPONSORED ADR FOREIGN EQUITIES 80105N105 4 75 SH   SOLE   75 0 0
SCHLUMBERGER LTD COM COMMON STOCK 806857108 210 11,412 SH   SOLE   11,012 0 400
SCHLUMBERGER LTD COM COMMON STOCK 806857108 39 2,100 SH   DFND   1,900 200 0
SCHWAB STRATEGIC TR US BRD MKT ETF MUTUAL FUNDS-ETF EQUITIES 808524102 84 1,150 SH   SOLE   1,150 0 0
TECHNOLOGY SELECT SECT SPDR EFT MUTUAL FUNDS-EQUITIES 81369Y803 10 100 SH   SOLE   100 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS ETF EQUITIES 81369Y886 29 515 SH   SOLE   205 310 0
SNAP ON INC COMMON STOCK 833034101 7 47 SH   SOLE   47 0 0
SNAP INC CL A COMMON STOCK 83304A106 5 200 SH   SOLE   200 0 0
SOUTH JERSEY INDUSTRIES INC COMMON STOCK 838518108 50 2,000 SH   SOLE   2,000 0 0
SOUTHERN CO COM COMMON STOCK 842587107 959 18,508 SH   SOLE   17,508 300 700
SOUTHERN CO COM COMMON STOCK 842587107 482 9,300 SH   DFND   9,100 200 0
SOUTHWESTERN ENERGY COMMON STOCK 845467109 5 2,000 SH   SOLE   2,000 0 0
STARBUCKS CORP COM COMMON STOCK 855244109 1,327 18,035 SH   SOLE   16,635 1,400 0
STARBUCKS CORP COM COMMON STOCK 855244109 221 3,000 SH   DFND   3,000 0 0
STATE STR CORP COM COMMON STOCK 857477103 224 3,518 SH   SOLE   3,518 0 0
STATE STR CORP COM COMMON STOCK 857477103 25 400 SH   DFND   400 0 0
SUNCOR ENERGY INC NEW COM FOREIGN EQUITIES 867224107 57 3,378 SH   SOLE   3,378 0 0
SUNCOR ENERGY INC NEW COM FOREIGN EQUITIES 867224107 54 3,200 SH   DFND   3,200 0 0
SUNPOWER CORP COMMON STOCK 867652406 0 30 SH   DFND   30 0 0
SYSCO CORP COM COMMON STOCK 871829107 415 7,600 SH   SOLE   5,800 1,800 0
SYSCO CORP COM COMMON STOCK 871829107 49 900 SH   DFND   200 700 0
TJX COMPANIES COMMON STOCK 872540109 10 200 SH   SOLE   0 0 200
TAIWAN SEMICONDUCTOR ADR FOREIGN EQUITIES 874039100 4 75 SH   SOLE   75 0 0
TARGET CORP COMMON STOCK 87612E106 194 1,620 SH   SOLE   1,620 0 0
TELEDYNE TECHNOLOGIES INC COMMON STOCK 879360105 12 37 SH   SOLE   37 0 0
TENNECO INC CL A VTG COM STK COMMON STOCK 880349105 4 500 SH   SOLE   500 0 0
TESLA MOTORS, INC COMMON STOCK 88160R101 27 25 SH   SOLE   25 0 0
TESLA MOTORS, INC COMMON STOCK 88160R101 2 2 SH   DFND   2 0 0
TEVA PHARMACEUTICAL INDS LTDADR FOREIGN EQUITIES 881624209 2 200 SH   DFND   200 0 0
3 D SYSTEMS CORP (NEW) COMMON STOCK 88554D205 14 2,000 SH   SOLE   2,000 0 0
3M CO COMMON STOCK 88579Y101 1,910 12,246 SH   SOLE   12,146 0 100
3M CO COMMON STOCK 88579Y101 595 3,816 SH   DFND   3,466 350 0
TIMKEN CO COMMON STOCK 887389104 3 60 SH   SOLE   60 0 0
TITAN MEDICAL INC. FOREIGN EQUITIES 88830X819 0 33 SH   SOLE   33 0 0
TOOTSIE ROLL IND INC COMMON STOCK 890516107 36 1,060 SH   SOLE   1,060 0 0
TRAVELERS COMPANIES INC COM COMMON STOCK 89417E109 102 894 SH   SOLE   894 0 0
TRAVELERS COMPANIES INC COM COMMON STOCK 89417E109 11 100 SH   DFND   100 0 0
TRUIST FINL CORP COM COMMON STOCK 89832Q109 7 199 SH   SOLE   199 0 0
TWITTER INC. COMMON STOCK 90184L102 15 500 SH   SOLE   500 0 0
TWITTER INC. COMMON STOCK 90184L102 39 1,300 SH   DFND   1,300 0 0
US BANCORP DEL COMMON STOCK 902973304 857 23,288 SH   SOLE   21,488 1,800 0
US BANCORP DEL COMMON STOCK 902973304 52 1,400 SH   DFND   1,000 400 0
UNION PAC CORP COM COMMON STOCK 907818108 1,459 8,628 SH   SOLE   8,628 0 0
UNITED PARCEL SERVICE INC CL B COMMON STOCK 911312106 156 1,407 SH   SOLE   777 330 300
UNITED PARCEL SERVICE INC CL B COMMON STOCK 911312106 72 650 SH   DFND   650 0 0
UNITED STATES STL CORP NEW COM COMMON STOCK 912909108 0 62 SH   SOLE   62 0 0
VF CORP COMMON STOCK 918204108 24 400 SH   SOLE   400 0 0
VALERO ENERGY CORP NEW COM COMMON STOCK 91913Y100 6 100 SH   SOLE   100 0 0
VANECK VECTORS ETF TR GOLD MINERS ETF MUTUAL FUNDS-ETF EQUITIES 92189F106 73 2,000 SH   DFND   2,000 0 0
VANGUARD B SHORT TERM BOND MUTUAL FUNDS-FIXED INCOME 921937827 52 625 SH   DFND   0 625 0
VANGUARD BD INDEX FD INC TOTAL BD MARKET MUTUAL FUNDS-FIXED INCOME 921937835 55 619 SH   DFND   0 619 0
VANGUARD FTSE DEVELOPED MARKET ETF MUTUAL FUNDS-EQUITIES 921943858 9 234 SH   SOLE   234 0 0
VANGUARD INFORMATION TECH ETF MUTUAL FUNDS-ETF EQUITIES 92204A702 55 198 SH   SOLE   198 0 0
VANGUARD INTL EQUITY INDEX FALLWRLD EX US MUTUAL FUNDS-ETF EQUITIES 922042775 6 120 SH   SOLE   120 0 0
VANGUARD EMERGING MARKETS ETF MUTUAL FUNDS-ETF EQUITIES 922042858 87 2,200 SH   SOLE   2,200 0 0
VANGUARD EMERGING MARKETS ETF MUTUAL FUNDS-ETF EQUITIES 922042858 12 300 SH   DFND   300 0 0
VANGUARD RUSSELL ETF MUTUAL FUNDS-EQUITIES 92206C599 24 170 SH   SOLE   170 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP MUTUAL FUNDS-ETF EQUITIES 92206C870 9 90 SH   SOLE   90 0 0
VECTRUS INC. COMMON STOCK 92242T101 1 11 SH   DFND   11 0 0
VANGUARD REIT ETF ETF EQUITIES 922908553 494 6,290 SH   SOLE   5,580 710 0
VANGUARD REIT ETF ETF EQUITIES 922908553 47 600 SH   DFND   500 100 0
VANGUARD MID CAP ETF MUTUAL FUNDS-ETF EQUITIES 922908629 115 700 SH   SOLE   600 100 0
VANGUARD MID CAP ETF MUTUAL FUNDS-ETF EQUITIES 922908629 16 100 SH   DFND   0 100 0
VANGUARD INDEX FDS EXTEND MKT ETF MUTUAL FUNDS-ETF EQUITIES 922908652 462 3,900 SH   SOLE   3,900 0 0
VANGUARD GROWTH ETF MUTUAL FUNDS-EQUITIES 922908736 20 100 SH   SOLE   100 0 0
VANGUARD VALUE ETF MUTUAL FUNDS-ETF EQUITIES 922908744 10 100 SH   SOLE   100 0 0
VANGUARD SMALL CAP ETF MUTUAL FUNDS-ETF EQUITIES 922908751 128 875 SH   SOLE   775 100 0
VANGUARD SMALL CAP ETF MUTUAL FUNDS-ETF EQUITIES 922908751 44 300 SH   DFND   200 100 0
VERIZON COMMUNICATIONS COM COMMON STOCK 92343V104 2,165 39,263 SH   SOLE   36,763 1,400 1,100
VERIZON COMMUNICATIONS COM COMMON STOCK 92343V104 1,025 18,587 SH   DFND   11,510 4,577 2,500
VISA CLASS A COMMON STOCK 92826C839 14,691 76,053 SH   SOLE   76,053 0 0
VISA CLASS A COMMON STOCK 92826C839 406 2,100 SH   DFND   2,000 100 0
VODAFONE GROUP PLC FOREIGN EQUITIES 92857W308 451 28,312 SH   SOLE   28,040 0 272
VODAFONE GROUP PLC FOREIGN EQUITIES 92857W308 247 15,500 SH   DFND   15,500 0 0
WEC ENERGY GROUP INC COM COMMON STOCK 92939U106 29 326 SH   SOLE   326 0 0
WABTEC CORP COM COMMON STOCK 929740108 2 34 SH   SOLE   34 0 0
WABTEC CORP COM COMMON STOCK 929740108 3 47 SH   DFND   23 24 0
WAL MART STORES INC COM COMMON STOCK 931142103 544 4,540 SH   SOLE   4,540 0 0
WAL MART STORES INC COM COMMON STOCK 931142103 96 800 SH   DFND   800 0 0
WALGREENS BOOTS ALLIANCE COMMON STOCK 931427108 249 5,875 SH   SOLE   5,475 0 400
WALGREENS BOOTS ALLIANCE COMMON STOCK 931427108 34 800 SH   DFND   700 100 0
WASTE MANAGEMENT INC NEW COMMON STOCK 94106L109 5 46 SH   SOLE   46 0 0
WELLS FARGO & CO NEW COM COMMON STOCK 949746101 710 27,730 SH   SOLE   26,330 1,400 0
WELLS FARGO & CO NEW COM COMMON STOCK 949746101 120 4,700 SH   DFND   4,100 600 0
WENDYS CO COM COMMON STOCK 95058W100 5 212 SH   SOLE   212 0 0
WEYERHAEUSER CO COM COMMON STOCK 962166104 127 5,638 SH   SOLE   4,905 0 733
WEYERHAEUSER CO COM COMMON STOCK 962166104 38 1,700 SH   DFND   0 1,700 0
WILLIAMS CO INC COMMON STOCK 969457100 5 258 SH   DFND   0 258 0
WYNDHAM DESTINATIONS INC COM COMMON STOCK 98310W108 3 100 SH   SOLE   100 0 0
WYNDHAM HOTELS & RESORTS INC COMMON STOCK 98311A105 4 100 SH   SOLE   100 0 0
XCEL ENERGY INC COMMON STOCK 98389B100 213 3,400 SH   SOLE   3,400 0 0
XYLEM INC COMMON STOCK 98419M100 445 6,845 SH   SOLE   5,495 1,350 0
XYLEM INC COMMON STOCK 98419M100 97 1,500 SH   DFND   1,400 100 0
XEROX CORP USD 1.0 COM COMMON STOCK 98421M106 1 93 SH   SOLE   93 0 0
YUM BRANDS INC COMMON STOCK 988498101 7 80 SH   SOLE   80 0 0
YUM CHINA HLDGS INC COM COMMON STOCK 98850P109 4 80 SH   SOLE   80 0 0
ZIMMER HLDGS INC COM COMMON STOCK 98956P102 10 80 SH   SOLE   80 0 0
ZIMMER HLDGS INC COM COMMON STOCK 98956P102 232 1,940 SH   DFND   1,940 0 0
ZOOM VIDEO COMMUNICATIONS INCL A COMMON STOCK 98980L101 6 25 SH   SOLE   25 0 0