The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ACCENTURE LTD BERMUDA CL A FOREIGN EQUITIES G1151C101   268,652 940 SH   SOLE   940 0 0
ACCENTURE LTD BERMUDA CL A FOREIGN EQUITIES G1151C101   57,160 200 SH   DFND   200 0 0
EATON CORP PLC FOREIGN EQUITIES G29183103   46,088 269 SH   SOLE   269 0 0
LINDE PLC SHS FOREIGN EQUITIES G54950103   35,544 100 SH   SOLE   100 0 0
MEDTRONIC PLC ORDINARY COMMON STOCK G5960L103   310,466 3,851 SH   SOLE   3,551 0 300
MEDTRONIC PLC ORDINARY COMMON STOCK G5960L103   40,310 500 SH   DFND   100 400 0
ALCON INC ORD SHS COMMON STOCK H01301128   11,850 168 SH   SOLE   110 0 58
ALCON INC ORD SHS COMMON STOCK H01301128   9,734 138 SH   DFND   80 58 0
SPOTIFY TECHNOLOGY S A SHS COMMON STOCK L8681T102   3,340 25 SH   SOLE   25 0 0
LYONDELLBASELL INDUSTRIES N.V. CL A FOREIGN EQUITIES N53745100   14,833 158 SH   SOLE   158 0 0
MAXEON SOLAR TECHNOLOGIES LTSHS COMMON STOCK Y58473102   79 3 SH   DFND   3 0 0
AT&T INC COM COMMON STOCK 00206R102   366,226 19,025 SH   SOLE   18,525 0 500
AT&T INC COM COMMON STOCK 00206R102   80,464 4,180 SH   DFND   2,580 1,600 0
ABBOTT LABS COM COMMON STOCK 002824100   1,215,312 12,002 SH   SOLE   10,369 1,333 300
ABBOTT LABS COM COMMON STOCK 002824100   761,475 7,520 SH   DFND   7,420 100 0
ABBVIE INC COMMON STOCK 00287Y109   2,768,236 17,370 SH   SOLE   16,055 1,015 300
ABBVIE INC COMMON STOCK 00287Y109   1,519,430 9,534 SH   DFND   9,174 360 0
ADOBE INC COM COMMON STOCK 00724F101   1,191,138 3,091 SH   SOLE   3,091 0 0
ADOBE INC COM COMMON STOCK 00724F101   24,277 63 SH   DFND   63 0 0
AGILENT TECHNOLOGIES INC COM COMMON STOCK 00846U101   13,834 100 SH   SOLE   100 0 0
AGILENT TECHNOLOGIES INC COM COMMON STOCK 00846U101   27,668 200 SH   DFND   0 200 0
AIR PRODUCT AND CHEMICALS INC COMMON STOCK 009158106   1,896,953 6,605 SH   SOLE   6,105 500 0
AIR PRODUCT AND CHEMICALS INC COMMON STOCK 009158106   804,160 2,800 SH   DFND   2,600 200 0
ALLSTATE CORP COM COMMON STOCK 020002101   11,081 100 SH   SOLE   100 0 0
ALNYLAM PHARMACEUTICALS INC COM COMMON STOCK 02043Q107   10,016 50 SH   SOLE   50 0 0
ALPHABET INC CAP STK CL C COMMON STOCK 02079K107   1,349,920 12,980 SH   SOLE   11,380 1,600 0
ALPHABET INC CAP STK CL C COMMON STOCK 02079K107   1,380,184 13,271 SH   DFND   12,800 471 0
ALPHABET INC CAP STK CL A COMMON STOCK 02079K305   1,615,577 15,575 SH   SOLE   15,265 110 200
ALPHABET INC CAP STK CL A COMMON STOCK 02079K305   182,564 1,760 SH   DFND   1,560 200 0
ALTRIA GROUP INC COMMON STOCK 02209S103   140,387 3,147 SH   SOLE   3,147 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103   153,904 3,450 SH   DFND   1,500 1,950 0
AMAZON COM INC COM COMMON STOCK 023135106   2,337,634 22,632 SH   SOLE   21,495 1,045 92
AMAZON COM INC COM COMMON STOCK 023135106   1,610,806 15,595 SH   DFND   15,313 282 0
AMERICAN ELEC PWR INC COM COMMON STOCK 025537101   253,407 2,785 SH   DFND   2,785 0 0
AMERICAN EXPRESS CO COM COMMON STOCK 025816109   2,108,371 12,782 SH   SOLE   11,516 1,266 0
AMERICAN EXPRESS CO COM COMMON STOCK 025816109   386,147 2,341 SH   DFND   1,585 756 0
AMERICAN INTL GROUP INC COM COMMON STOCK 026874784   402 8 SH   SOLE   8 0 0
AMERICAN WATER WORKS COMMON STOCK 030420103   743,434 5,075 SH   SOLE   4,875 200 0
AMERICAN WATER WORKS COMMON STOCK 030420103   95,218 650 SH   DFND   450 200 0
AMERIPRISE FINL INC COM COMMON STOCK 03076C106   262,057 855 SH   SOLE   855 0 0
AMGEN INC COM COMMON STOCK 031162100   507,671 2,100 SH   SOLE   1,800 300 0
AMGEN INC COM COMMON STOCK 031162100   435,150 1,800 SH   DFND   1,800 0 0
ANALOG DEVICES INC COMMON STOCK 032654105   1,852,080 9,391 SH   SOLE   8,323 1,000 68
ANALOG DEVICES INC COMMON STOCK 032654105   159,942 811 SH   DFND   504 307 0
APPLE COMPUTER INC COM COMMON STOCK 037833100   8,681,636 52,648 SH   SOLE   50,000 2,380 268
APPLE COMPUTER INC COM COMMON STOCK 037833100   1,978,140 11,996 SH   DFND   10,320 1,676 0
APPLIED MATLS INC COM COMMON STOCK 038222105   612,668 4,988 SH   SOLE   4,988 0 0
APPLIED MATLS INC COM COMMON STOCK 038222105   18,424 150 SH   DFND   150 0 0
ASTRAZENECA PLC SPONSORED ADR FOREIGN EQUITIES 046353108   6,940 100 SH   SOLE   100 0 0
AUTOMATIC DATA PROCESSING INCOM COMMON STOCK 053015103   672,782 3,022 SH   SOLE   2,930 92 0
AUTOMATIC DATA PROCESSING INCOM COMMON STOCK 053015103   108,420 487 SH   DFND   200 287 0
AUTOZONE INC COM COMMON STOCK 053332102   769,400 313 SH   SOLE   313 0 0
AUTOZONE INC COM COMMON STOCK 053332102   122,907 50 SH   DFND   50 0 0
BP PLC SPONSORED ADR COMMON STOCK 055622104   155,739 4,106 SH   SOLE   4,106 0 0
BP PLC SPONSORED ADR COMMON STOCK 055622104   87,239 2,300 SH   DFND   2,100 200 0
BANKAMERICA CORP NEW COMMON STOCK 060505104   693,355 24,252 SH   SOLE   24,252 0 0
BANKAMERICA CORP NEW COMMON STOCK 060505104   5,718 200 SH   DFND   200 0 0
BANK NEW YORK MELLON CORP COM COMMON STOCK 064058100   79,497 1,750 SH   SOLE   1,750 0 0
BANK NEW YORK MELLON CORP COM COMMON STOCK 064058100   18,172 400 SH   DFND   400 0 0
BAXTER INTL INC COM COMMON STOCK 071813109   38,532 950 SH   SOLE   950 0 0
BAXTER INTL INC COM COMMON STOCK 071813109   81,120 2,000 SH   DFND   2,000 0 0
BERKSHIRE HATHAWAY B NEW COMMON STOCK 084670702   2,014,961 6,526 SH   SOLE   5,991 535 0
BERKSHIRE HATHAWAY B NEW COMMON STOCK 084670702   533,228 1,727 SH   DFND   1,661 66 0
BLACKROCK INC COM COMMON STOCK 09247X101   293,066 438 SH   SOLE   438 0 0
BLACKROCK INC COM COMMON STOCK 09247X101   468,377 700 SH   DFND   700 0 0
BOEING CO COM COMMON STOCK 097023105   1,587,896 7,475 SH   SOLE   7,450 25 0
BOEING CO COM COMMON STOCK 097023105   164,633 775 SH   DFND   775 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108   1,616,089 23,317 SH   SOLE   22,048 938 331
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108   738,567 10,656 SH   DFND   9,785 871 0
BROADCOM INC NPV COMMON STOCK 11135F101   2,674,523 4,169 SH   SOLE   3,718 451 0
BROADCOM INC NPV COMMON STOCK 11135F101   103,926 162 SH   DFND   122 40 0
CSX CORP COM COMMON STOCK 126408103   17,958 600 SH   SOLE   600 0 0
CVS/CAREMARK CORP COM COMMON STOCK 126650100   434,557 5,848 SH   SOLE   5,367 481 0
CVS/CAREMARK CORP COM COMMON STOCK 126650100   21,178 285 SH   DFND   0 285 0
CARRIER GLOBAL CORPORATION COM COMMON STOCK 14448C104   4,575 100 SH   SOLE   100 0 0
CARRIER GLOBAL CORPORATION COM COMMON STOCK 14448C104   343,125 7,500 SH   DFND   7,500 0 0
CATERPILLAR INC DEL COM COMMON STOCK 149123101   677,357 2,960 SH   SOLE   2,849 111 0
CATERPILLAR INC DEL COM COMMON STOCK 149123101   51,946 227 SH   DFND   152 75 0
CHEMOURS CO COM COMMON STOCK 163851108   3,920 131 SH   SOLE   131 0 0
CHEMOURS CO COM COMMON STOCK 163851108   1,795 60 SH   DFND   60 0 0
CHENIERE ENERGY INC COM NEW COMMON STOCK 16411R208   15,760 100 SH   SOLE   100 0 0
CHEVRONTEXACO CORP COM COMMON STOCK 166764100   1,823,301 11,175 SH   SOLE   11,075 100 0
CHEVRONTEXACO CORP COM COMMON STOCK 166764100   1,188,293 7,283 SH   DFND   6,983 300 0
CISCO SYS INC COM COMMON STOCK 17275R102   1,947,669 37,262 SH   SOLE   34,812 2,300 150
CISCO SYS INC COM COMMON STOCK 17275R102   238,873 4,570 SH   DFND   2,900 1,670 0
CITIGROUP INC NEW COMMON STOCK 172967424   64,974 1,386 SH   SOLE   1,386 0 0
CLOROX COMPANY COMMON STOCK 189054109   19,780 125 SH   SOLE   125 0 0
COCA COLA CO COM COMMON STOCK 191216100   1,644,577 26,517 SH   SOLE   24,652 1,310 555
COCA COLA CO COM COMMON STOCK 191216100   222,961 3,595 SH   DFND   2,732 863 0
COINBASE GLOBAL INC COM CL A COMMON STOCK 19260Q107   6,756 100 SH   SOLE   100 0 0
COLGATE PALMOLIVE CO COM COMMON STOCK 194162103   128,130 1,705 SH   SOLE   1,705 0 0
COLGATE PALMOLIVE CO COM COMMON STOCK 194162103   300,600 4,000 SH   DFND   4,000 0 0
COMCAST CORP COMMON STOCK 20030N101   780,049 20,582 SH   SOLE   18,653 1,929 0
COMCAST CORP COMMON STOCK 20030N101   69,925 1,845 SH   DFND   1,845 0 0
COMMUNITY BANK SYSTEM INC COMMON STOCK 203607106   241,454 4,600 SH   SOLE   4,600 0 0
CONOCOPHILLIPS COM COMMON STOCK 20825C104   149,110 1,503 SH   SOLE   1,503 0 0
CONOCOPHILLIPS COM COMMON STOCK 20825C104   297,630 3,000 SH   DFND   3,000 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104   270,745 2,830 SH   SOLE   2,830 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104   66,969 700 SH   DFND   0 0 700
CONSTELLATION ENERGY CORP COM COMMON STOCK 21037T109   15,699 200 SH   SOLE   34 0 166
CONSTELLATION ENERGY CORP COM COMMON STOCK 21037T109   10,362 132 SH   DFND   132 0 0
CORTEVA INC COM COMMON STOCK 22052L104   153,479 2,545 SH   SOLE   2,342 0 203
CORTEVA INC COM COMMON STOCK 22052L104   314,750 5,219 SH   DFND   3,275 1,944 0
COSTCO WHSL CORP NEW COMMON STOCK 22160K105   592,248 1,192 SH   SOLE   1,100 92 0
COSTCO WHSL CORP NEW COMMON STOCK 22160K105   37,264 75 SH   DFND   75 0 0
DANAHER CORP COMMON STOCK 235851102   673,700 2,673 SH   SOLE   2,484 189 0
DANAHER CORP COMMON STOCK 235851102   20,163 80 SH   DFND   80 0 0
DEERE & CO COM COMMON STOCK 244199105   1,007,004 2,439 SH   SOLE   2,310 0 129
DEERE & CO COM COMMON STOCK 244199105   608,172 1,473 SH   DFND   1,350 123 0
DIGITAL WORLD ACQUISITION COCLASS A COM COMMON STOCK 25400Q105   1,405 100 SH   SOLE   100 0 0
DISNEY WALT CO COM DISNEY COMMON STOCK 254687106   496,734 4,961 SH   SOLE   4,961 0 0
DISNEY WALT CO COM DISNEY COMMON STOCK 254687106   192,750 1,925 SH   DFND   1,500 100 325
DISCOVER FINL SVCS COMMON STOCK 254709108   10,773 109 SH   SOLE   109 0 0
DOMINION RES INC VA NEW COM COMMON STOCK 25746U109   719,818 12,877 SH   SOLE   12,177 100 600
DOMINION RES INC VA NEW COM COMMON STOCK 25746U109   503,100 9,000 SH   DFND   8,100 900 0
DOW INC COM COMMON STOCK 260557103   165,845 3,026 SH   SOLE   2,823 0 203
DOW INC COM COMMON STOCK 260557103   286,043 5,219 SH   DFND   3,275 1,944 0
DUKE ENERGY HLDG CORP COMMON STOCK 26441C204   689,174 7,144 SH   SOLE   7,144 0 0
DUKE ENERGY HLDG CORP COMMON STOCK 26441C204   430,835 4,466 SH   DFND   4,400 66 0
DUPONT DE NEMOURS INC COM COMMON STOCK 26614N102   299,913 4,179 SH   SOLE   3,976 0 203
DUPONT DE NEMOURS INC COM COMMON STOCK 26614N102   360,204 5,019 SH   DFND   3,075 1,944 0
ETF MANAGERS TR ETFMG ALTR HRVST MUTUAL FUNDS-ETF EQUITIES 26924G508   351 100 SH   SOLE   100 0 0
EATON VANCE INSURED MUNI BD FD MUTUAL FUNDS-ETF FIXED INCOME 27827X101   17,326 1,666 SH   SOLE   1,666 0 0
EBAY INC COM COMMON STOCK 278642103   18,098 408 SH   SOLE   408 0 0
ECOLAB INC COMMON STOCK 278865100   634,635 3,834 SH   SOLE   3,709 125 0
ECOLAB INC COMMON STOCK 278865100   38,070 230 SH   DFND   230 0 0
EMERSON ELEC CO COM COMMON STOCK 291011104   1,513,352 17,367 SH   SOLE   15,676 1,291 400
EMERSON ELEC CO COM COMMON STOCK 291011104   449,642 5,160 SH   DFND   3,660 1,500 0
ENBRIDGE INC COMMON STOCK 29250N105   1,041,508 27,308 SH   SOLE   26,620 688 0
ENBRIDGE INC COMMON STOCK 29250N105   433,685 11,371 SH   DFND   9,292 2,079 0
ENERGY TRANSFER EQUITY L P COM UNIT LTD PRTNERS PARTNERSHIPS 29273V100   22,346 1,792 SH   SOLE   1,792 0 0
ENTEGRIS INC COMMON STOCK 29362U104   16,402 200 SH   SOLE   200 0 0
EQIUTRANS MIDSTREAM CO COMMON STOCK 294600101   578 100 SH   SOLE   100 0 0
ESSA BANCORP INC COM COMMON STOCK 29667D104   22,982 1,462 SH   SOLE   1,462 0 0
ESSENTIAL UTILS INC COM COMMON STOCK 29670G102   43,650 1,000 SH   SOLE   0 0 1,000
ESSENTIAL UTILS INC COM COMMON STOCK 29670G102   10,912 250 SH   DFND   250 0 0
EXELON CORP COM COMMON STOCK 30161N101   162,242 3,874 SH   SOLE   3,374 0 500
EXELON CORP COM COMMON STOCK 30161N101   33,504 800 SH   DFND   800 0 0
EXPEDITORS INTL WASH INC COMMON STOCK 302130109   400,946 3,641 SH   SOLE   2,400 1,000 241
EXPEDITORS INTL WASH INC COMMON STOCK 302130109   160,885 1,461 SH   DFND   350 1,111 0
EXXON MOBIL CORP COM COMMON STOCK 30231G102   2,786,665 25,412 SH   SOLE   25,112 200 100
EXXON MOBIL CORP COM COMMON STOCK 30231G102   2,230,483 20,340 SH   DFND   14,650 5,090 600
F M C CORP COM NEW COMMON STOCK 302491303   708,354 5,800 SH   SOLE   5,800 0 0
F N B CORP PA COMMON STOCK 302520101   672,069 57,937 SH   SOLE   57,937 0 0
FNCB BANCORP INC COM COMMON STOCK 302578109   12,400 2,000 SH   SOLE   2,000 0 0
FACEBOOK INC COMMON STOCK 30303M102   829,098 3,912 SH   SOLE   3,912 0 0
FACEBOOK INC COMMON STOCK 30303M102   70,151 331 SH   DFND   331 0 0
FASTENAL CO COM COMMON STOCK 311900104   1,910,783 35,431 SH   SOLE   30,839 3,685 907
FASTENAL CO COM COMMON STOCK 311900104   624,615 11,582 SH   DFND   8,366 3,216 0
FEDEX CORPORATION COMMON STOCK 31428X106   182,792 800 SH   SOLE   800 0 0
FIDELITY D & D BANCORP INC COM COMMON STOCK 31609R100   6,664 146 SH   SOLE   146 0 0
FIFTH THIRD BANCORP COMMON STOCK 316773100   5,326 200 SH   SOLE   200 0 0
FIRST SOLAR INC COMMON STOCK 336433107   43,500 200 SH   DFND   200 0 0
FIRST TR EXCHANGE-TRADED FD NAS CLNEDG GREEN COMMON STOCK 33733E500   10,444 200 SH   SOLE   200 0 0
FORD MTR CO DEL COM PAR $0.01 COMMON STOCK 345370860   12,600 1,000 SH   SOLE   1,000 0 0
FREEPORTMCMORAN COPP CL B COMMON STOCK 35671D857   8,752 214 SH   SOLE   214 0 0
FREEPORTMCMORAN COPP CL B COMMON STOCK 35671D857   2,208 54 SH   DFND   54 0 0
GE HEALTHCARE TECHNOLOGIES ICOMMON STOCK COMMON STOCK 36266G107   27,804 339 SH   SOLE   339 0 0
GE HEALTHCARE TECHNOLOGIES ICOMMON STOCK COMMON STOCK 36266G107   43,471 530 SH   DFND   282 248 0
GARRETT MOTION INC COM COMMON STOCK 366505105   76 10 SH   DFND   0 10 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108   109,768 481 SH   SOLE   481 0 0
GENERAL ELEC CO COM COMMON STOCK 369604301   137,949 1,443 SH   SOLE   1,443 0 0
GENERAL ELEC CO COM COMMON STOCK 369604301   153,628 1,607 SH   DFND   850 757 0
GENERAL MLS INC COM COMMON STOCK 370334104   1,251,043 14,639 SH   SOLE   13,510 1,129 0
GENERAL MLS INC COM COMMON STOCK 370334104   534,635 6,256 SH   DFND   5,556 700 0
GENERAL MOTORS CO COM COMMON STOCK 37045V100   7,336 200 SH   SOLE   200 0 0
GLAXOSMITHKLINE PLC SPONSORED ADR COMMON STOCK 37733W204   111,398 3,132 SH   SOLE   3,132 0 0
GLAXOSMITHKLINE PLC SPONSORED ADR COMMON STOCK 37733W204   51,219 1,440 SH   DFND   1,440 0 0
GLOBAL PAMENTS INC COMMON STOCK 37940X102   10,524 100 SH   SOLE   100 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104   1,526,235 4,666 SH   SOLE   4,620 46 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104   89,951 275 SH   DFND   220 55 0
HALEON PLC SPON ADS FOREIGN EQUITIES 405552100   1,953 240 SH   SOLE   240 0 0
HALEON PLC SPON ADS FOREIGN EQUITIES 405552100   1,628 200 SH   DFND   200 0 0
HASBRO INC COM COMMON STOCK 418056107   11,701 218 SH   SOLE   218 0 0
HEALTHPEAK PROPERTIES INC COM COMMON STOCK 42250P103   68,076 3,100 SH   SOLE   3,100 0 0
HEALTHPEAK PROPERTIES INC COM COMMON STOCK 42250P103   65,880 3,000 SH   DFND   3,000 0 0
HERSHEY FOODS CORP COM COMMON STOCK 427866108   134,581 529 SH   SOLE   529 0 0
HOME DEPOT INC COM COMMON STOCK 437076102   1,726,376 5,850 SH   SOLE   5,460 353 37
HOME DEPOT INC COM COMMON STOCK 437076102   70,826 240 SH   DFND   240 0 0
HONEYWELL INTL INC COM COMMON STOCK 438516106   541,059 2,831 SH   SOLE   2,831 0 0
HONEYWELL INTL INC COM COMMON STOCK 438516106   19,112 100 SH   DFND   0 100 0
ITT INC COM COMMON STOCK 45073V108   8,630 100 SH   DFND   100 0 0
INTEL CORP COM COMMON STOCK 458140100   268,626 8,225 SH   SOLE   7,825 0 400
INTEL CORP COM COMMON STOCK 458140100   159,968 4,898 SH   DFND   4,498 400 0
INTERNATIONAL BUSINESS MACHSCOM COMMON STOCK 459200101   697,656 5,322 SH   SOLE   5,322 0 0
INTERNATIONAL BUSINESS MACHSCOM COMMON STOCK 459200101   138,953 1,060 SH   DFND   0 1,060 0
INVESCO EX PFD ETF MUTUAL FUNDS-ETF EQUITIES 46138E511   45,919 4,000 SH   SOLE   4,000 0 0
IQIYI INC SPONSORED ADS FOREIGN EQUITIES 46267X108   364 50 SH   SOLE   50 0 0
ISHARES MSCI PAC JP ETF MUTUAL FUNDS-EQUITIES 464286665   2,189 50 SH   SOLE   50 0 0
ISHARES S&P 100 MUTUAL FUNDS-EQUITIES 464287101   9,352 50 SH   SOLE   50 0 0
I SHARES TR DJ SLECT DIV INDEX MUTUAL FUNDS-EQUITIES 464287168   5,859 50 SH   SOLE   50 0 0
ISHARES S&P 500 INDEX MUTUAL FUNDS-ETF EQUITIES 464287200   2,806,369 6,827 SH   SOLE   6,827 0 0
ISHARES TR S&P NA NATURAL RESOURCES MUTUAL FUNDS-EQUITIES 464287374   19,580 500 SH   DFND   500 0 0
ISHARES TR MSCI EAFE INDEX MUTUAL FUNDS-ETF EQUITIES 464287465   271,772 3,800 SH   SOLE   3,800 0 0
ISHARES TR MSCI EAFE INDEX MUTUAL FUNDS-ETF EQUITIES 464287465   92,976 1,300 SH   DFND   1,300 0 0
ISHARES RUSSELL MID-CAP ETF MUTUAL FUNDS-EQUITIES 464287499   20,976 300 SH   SOLE   300 0 0
ISHARES S&P 600 INDEX MUTUAL FUNDS-ETF EQUITIES 464287804   24,174 250 SH   SOLE   250 0 0
ISHARES TR GL CLEAN ENE ETF COMMON STOCK 464288224   3,954 200 SH   SOLE   200 0 0
ISHARES TR US TREAS BD ETF MUTUAL FUNDS-ETF FIXED INCOME 46429B267   14,466 619 SH   SOLE   619 0 0
J P MORGAN CHASE & CO COM COMMON STOCK 46625H100   2,310,381 17,730 SH   SOLE   16,730 1,000 0
J P MORGAN CHASE & CO COM COMMON STOCK 46625H100   230,257 1,767 SH   DFND   1,400 367 0
JOHNSON & JOHNSON COM COMMON STOCK 478160104   2,791,085 18,007 SH   SOLE   17,198 809 0
JOHNSON & JOHNSON COM COMMON STOCK 478160104   1,162,655 7,501 SH   DFND   6,450 1,051 0
KELLOGG CO COM COMMON STOCK 487836108   33,475 500 SH   SOLE   0 0 500
KELLOGG CO COM COMMON STOCK 487836108   100,425 1,500 SH   DFND   1,500 0 0
KIMBERLY CLARK CORP COM COMMON STOCK 494368103   242,533 1,807 SH   SOLE   1,807 0 0
KIMBERLY CLARK CORP COM COMMON STOCK 494368103   452,589 3,372 SH   DFND   3,372 0 0
KINDER MORGAN INC (DE) CLASS P COMMON STOCK 49456B101   17 1 SH   SOLE   1 0 0
KRAFT HEINZ CO COM COMMON STOCK 500754106   182,977 4,733 SH   SOLE   4,733 0 0
KRAFT HEINZ CO COM COMMON STOCK 500754106   45,578 1,179 SH   DFND   646 533 0
KYNDRYL HLDGS INC COMMON STOCK COMMON STOCK 50155Q100   10,656 722 SH   SOLE   722 0 0
KYNDRYL HLDGS INC COMMON STOCK COMMON STOCK 50155Q100   2,506 170 SH   DFND   0 170 0
L3HARRIS TECHNOLOGIES INC COM COMMON STOCK 502431109   3,924 20 SH   DFND   20 0 0
LILLY ELI & CO COM COMMON STOCK 532457108   2,769,587 8,065 SH   SOLE   7,373 444 248
LILLY ELI & CO COM COMMON STOCK 532457108   3,167,956 9,225 SH   DFND   7,425 1,800 0
LITTLEFUSE INC COMMON STOCK 537008104   10,187 38 SH   SOLE   38 0 0
LOCKHEED MARTIN CORP COM COMMON STOCK 539830109   1,201,173 2,541 SH   SOLE   2,521 20 0
LOCKHEED MARTIN CORP COM COMMON STOCK 539830109   82,726 175 SH   DFND   175 0 0
LOWES COS INC COM COMMON STOCK 548661107   374,941 1,875 SH   SOLE   1,475 0 400
LOWES COS INC COM COMMON STOCK 548661107   179,973 900 SH   DFND   500 400 0
LUCID GROUP INC COM COMMON STOCK 549498103   3,216 400 SH   SOLE   400 0 0
LULULEMON ATHLETICA COMMON STOCK 550021109   72,838 200 SH   SOLE   200 0 0
MANNKIND CORPORATION COMMON STOCK 56400P706   984 240 SH   DFND   240 0 0
MARATHON OIL CO COMMON STOCK 565849106   74,508 3,111 SH   SOLE   3,111 0 0
MARATHON PETROLEUM CORP COMMON STOCK 56585A102   269,660 2,000 SH   SOLE   2,000 0 0
MASTERCARD INCORPORATED COMMON STOCK 57636Q104   3,577,303 9,844 SH   SOLE   9,029 815 0
MASTERCARD INCORPORATED COMMON STOCK 57636Q104   996,079 2,741 SH   DFND   2,641 100 0
MATTEL INC COM COMMON STOCK 577081102   73,287 3,983 SH   SOLE   3,983 0 0
MCDONALDS CORP COM COMMON STOCK 580135101   5,082,280 18,177 SH   SOLE   17,660 517 0
MCDONALDS CORP COM COMMON STOCK 580135101   865,920 3,097 SH   DFND   3,014 83 0
MCKESSON CORP COMMON STOCK 58155Q103   35,604 100 SH   SOLE   100 0 0
MERCK & CO INC NEW COMMON STOCK 58933Y105   1,653,190 15,539 SH   SOLE   15,132 0 407
MERCK & CO INC NEW COMMON STOCK 58933Y105   696,214 6,544 SH   DFND   5,675 869 0
METLIFE INC COMMON STOCK 59156R108   8,689 150 SH   DFND   0 150 0
MICROSOFT CORP COMMON STOCK 594918104   6,521,090 22,620 SH   SOLE   21,101 1,400 119
MICROSOFT CORP COMMON STOCK 594918104   1,824,008 6,327 SH   DFND   4,050 2,277 0
MICROCHIP TECHNOLOGY INC COM COMMON STOCK 595017104   2,725,014 32,526 SH   SOLE   28,726 3,000 800
MICROCHIP TECHNOLOGY INC COM COMMON STOCK 595017104   753,013 8,988 SH   DFND   6,701 2,287 0
MICROVAST HOLDINGS INC COM COMMON STOCK 59516C106   620 500 SH   SOLE   500 0 0
MONDELEZ INTL INC COMMON STOCK 609207105   655,154 9,397 SH   SOLE   8,973 0 424
MONDELEZ INTL INC COMMON STOCK 609207105   657,317 9,428 SH   DFND   7,992 1,436 0
MORGAN STANLEY DEAN WITTER DISCOVER & CO COMMON STOCK 617446448   670,173 7,633 SH   SOLE   7,633 0 0
MORGAN STANLEY DEAN WITTER DISCOVER & CO COMMON STOCK 617446448   28,007 319 SH   DFND   217 102 0
NBT BANCORP INC COM COMMON STOCK 628778102   741,400 22,000 SH   SOLE   22,000 0 0
NOV INC COM COMMON STOCK 62955J103   7,400 400 SH   DFND   400 0 0
NEW YORK TIMES CO CL A COMMON STOCK 650111107   23,328 600 SH   SOLE   600 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101   850,268 11,031 SH   SOLE   11,031 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101   1,443,862 18,732 SH   DFND   16,532 2,200 0
NIKE INC CL B COMMON STOCK 654106103   1,292,369 10,538 SH   SOLE   9,752 786 0
NIKE INC CL B COMMON STOCK 654106103   156,366 1,275 SH   DFND   1,275 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108   896,336 4,228 SH   SOLE   4,169 59 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108   68,900 325 SH   DFND   225 100 0
NORWOOD FINANCIAL CORPORATION COMMON STOCK 669549107   104,551 3,555 SH   SOLE   3,555 0 0
NOVARTIS AG COMMON STOCK 66987V109   127,604 1,387 SH   SOLE   1,150 0 237
NOVARTIS AG COMMON STOCK 66987V109   123,464 1,342 SH   DFND   1,050 292 0
NOVO-NORDISK A S ADR FOREIGN EQUITIES 670100205   15,914 100 SH   DFND   100 0 0
NOW INC COMMON STOCK 67011P100   1,115 100 SH   DFND   100 0 0
NUCOR CORP COMMON STOCK 670346105   77,235 500 SH   SOLE   500 0 0
NUVEEN REAL ESTATE INCOME FD MUTUAL FUNDS-ETF FIXED INCOME 67071B108   1,493 200 SH   SOLE   200 0 0
OREILLY AUTOMOTIVE INC COM COMMON STOCK 67103H107   84,897 100 SH   DFND   100 0 0
OCCIDENTAL PETE CORP DEL COM COMMON STOCK 674599105   112,308 1,799 SH   SOLE   1,799 0 0
OCCIDENTAL PETE CORP DEL COM COMMON STOCK 674599105   24,972 400 SH   DFND   0 400 0
OPAL FUELS INC CLASS A COM COMMON STOCK 68347P103   3,485 500 SH   SOLE   500 0 0
ORACLE CORP COM COMMON STOCK 68389X105   1,493,035 16,068 SH   SOLE   14,068 2,000 0
ORACLE CORP COM COMMON STOCK 68389X105   65,044 700 SH   DFND   400 300 0
ORGANON & CO COMMON STOCK COMMON STOCK 68622V106   470 20 SH   SOLE   20 0 0
ORGANON & CO COMMON STOCK COMMON STOCK 68622V106   11,830 503 SH   DFND   503 0 0
OTIS WORLDWIDE CORP COM COMMON STOCK 68902V107   4,220 50 SH   SOLE   50 0 0
OTIS WORLDWIDE CORP COM COMMON STOCK 68902V107   316,500 3,750 SH   DFND   3,750 0 0
PNC FINL SVCS GROUP INC COM COMMON STOCK 693475105   635,880 5,003 SH   SOLE   4,703 0 300
PNC FINL SVCS GROUP INC COM COMMON STOCK 693475105   413,075 3,250 SH   DFND   0 3,250 0
PPG INDS INC COM COMMON STOCK 693506107   50,092 375 SH   SOLE   375 0 0
PPG INDS INC COM COMMON STOCK 693506107   53,432 400 SH   DFND   0 400 0
PPL CORP, COM COMMON STOCK 69351T106   683,183 24,584 SH   SOLE   23,884 0 700
PPL CORP, COM COMMON STOCK 69351T106   234,325 8,432 SH   DFND   8,232 200 0
PAYCHEX INC COM COMMON STOCK 704326107   40,563 354 SH   SOLE   354 0 0
PAYPAL HLDGS INC COM COMMON STOCK 70450Y103   441,126 5,809 SH   SOLE   5,809 0 0
PAYPAL HLDGS INC COM COMMON STOCK 70450Y103   68,346 900 SH   DFND   900 0 0
PELOTON INTERACTIVE INC CL A COM COMMON STOCK 70614W100   737 65 SH   SOLE   65 0 0
PEOPLES FINL SVCS CORP COMMON STOCK 711040105   15,015,348 346,455 SH   SOLE   229,774 100 116,581
PEOPLES FINL SVCS CORP COMMON STOCK 711040105   135,914 3,136 SH   DFND   0 3,136 0
PEPSICO INC COM COMMON STOCK 713448108   5,324,428 29,207 SH   SOLE   28,080 944 183
PEPSICO INC COM COMMON STOCK 713448108   289,309 1,587 SH   DFND   740 847 0
PETMED EXPRESS INC COM COMMON STOCK 716382106   16,230 1,000 SH   SOLE   1,000 0 0
PFIZER INC COM COMMON STOCK 717081103   2,865,768 70,257 SH   SOLE   68,569 1,101 587
PFIZER INC COM COMMON STOCK 717081103   911,042 22,335 SH   DFND   16,400 5,435 500
PHILIP MORRIS INTL INC COMMON STOCK 718172109   314,016 3,229 SH   SOLE   3,229 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109   285,915 2,940 SH   DFND   1,240 1,700 0
PHILLIPS 66 COMMON STOCK 718546104   374,598 3,695 SH   SOLE   3,695 0 0
PHILLIPS 66 COMMON STOCK 718546104   239,763 2,365 SH   DFND   2,365 0 0
PROCTER & GAMBLE CO COM COMMON STOCK 742718109   3,544,748 23,840 SH   SOLE   22,477 1,074 289
PROCTER & GAMBLE CO COM COMMON STOCK 742718109   2,533,823 17,041 SH   DFND   10,826 5,815 400
PROSPECT CAP CORP COM COMMON STOCK 74348T102   1,426 205 SH   SOLE   205 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102   25,814 312 SH   SOLE   312 0 0
PUBLIC SVC ENTERPRISE GROUP COM COMMON STOCK 744573106   16,485 264 SH   SOLE   264 0 0
PUBLIC SVC ENTERPRISE GROUP COM COMMON STOCK 744573106   24,980 400 SH   DFND   400 0 0
QUALCOMM INC COM COMMON STOCK 747525103   1,156,884 9,068 SH   SOLE   9,068 0 0
QUALCOMM INC COM COMMON STOCK 747525103   242,402 1,900 SH   DFND   1,900 0 0
RAYTHEON TECHNOLOGIES CORP COM COMMON STOCK 75513E101   147,774 1,509 SH   SOLE   1,509 0 0
RAYTHEON TECHNOLOGIES CORP COM COMMON STOCK 75513E101   832,405 8,500 SH   DFND   8,500 0 0
REGIONS FINANCIAL CORP NEW COMMON STOCK 7591EP100   10,573 570 SH   SOLE   570 0 0
RESIDEO TECHNOLOGIES INC COM COMMON STOCK 76118Y104   292 16 SH   DFND   0 16 0
SHELL PLC SPON ADS COMMON STOCK 780259305   187,005 3,250 SH   DFND   400 2,850 0
GOLD TRUST MUTUAL FUNDS-ETF EQUITIES 78463V107   91,610 500 SH   SOLE   500 0 0
SPDR INDEX SHS FDS S&P INTL ETF MUTUAL FUNDS-ETF EQUITIES 78463X772   27,415 800 SH   SOLE   800 0 0
SANOFI AVENTIS SPONSORED ADR FOREIGN EQUITIES 80105N105   10,884 200 SH   SOLE   200 0 0
SCHLUMBERGER LTD COM COMMON STOCK 806857108   179,272 3,652 SH   SOLE   3,252 0 400
SCHLUMBERGER LTD COM COMMON STOCK 806857108   17,181 350 SH   DFND   150 200 0
SCHWAB STRATEGIC TR US BRD MKT ETF MUTUAL FUNDS-ETF EQUITIES 808524102   110,032 2,300 SH   SOLE   2,300 0 0
SPDR MATERIALS COMMON STOCK 81369Y100   408,646 5,067 SH   SOLE   4,869 198 0
SPDR MATERIALS COMMON STOCK 81369Y100   17,662 219 SH   DFND   219 0 0
SPDR HEALTH CARE COMMON STOCK 81369Y209   408,185 3,153 SH   SOLE   3,033 120 0
SPDR HEALTH CARE COMMON STOCK 81369Y209   12,946 100 SH   DFND   100 0 0
SPDR STAPLES COMMON STOCK 81369Y308   8,889 119 SH   SOLE   119 0 0
SPDR DISCRETIONARY COMMON STOCK 81369Y407   273,805 1,831 SH   SOLE   1,831 0 0
SPDR DISCRETIONARY COMMON STOCK 81369Y407   42,618 285 SH   DFND   285 0 0
SPDR ENERGY COMMON STOCK 81369Y506   751,926 9,078 SH   SOLE   6,151 2,927 0
SPDR ENERGY COMMON STOCK 81369Y506   45,555 550 SH   DFND   425 125 0
SPDR FINANCIALS COMMON STOCK 81369Y605   269,172 8,375 SH   SOLE   8,375 0 0
SPDR FINANCIALS COMMON STOCK 81369Y605   16,070 500 SH   DFND   500 0 0
SPDR INDUSTRIALS COMMON STOCK 81369Y704   52,307 517 SH   SOLE   517 0 0
SPDR TECHNOLOGY COMMON STOCK 81369Y803   839,309 5,558 SH   SOLE   5,558 0 0
SPDR COMMUNICATION COMMON STOCK 81369Y852   798,472 13,774 SH   SOLE   12,910 864 0
SPDR COMMUNICATION COMMON STOCK 81369Y852   11,594 200 SH   DFND   200 0 0
SPDR REAL ESTATE COMMON STOCK 81369Y860   105,036 2,810 SH   SOLE   2,810 0 0
SPDR UTILITIES COMMON STOCK 81369Y886   1,338,899 19,780 SH   SOLE   17,164 2,616 0
SNAP INC CL A COMMON STOCK 83304A106   2,242 200 SH   SOLE   200 0 0
SNDL INC COM COMMON STOCK 83307B101   159 100 SH   SOLE   100 0 0
SOFI TECHNOLOGIES INC COM COMMON STOCK 83406F102   2,428 400 SH   SOLE   400 0 0
SOUTHERN CO COM COMMON STOCK 842587107   1,035,483 14,882 SH   SOLE   13,882 300 700
SOUTHERN CO COM COMMON STOCK 842587107   626,220 9,000 SH   DFND   8,800 200 0
SOUTHWESTERN ENERGY COMMON STOCK 845467109   10,000 2,000 SH   SOLE   2,000 0 0
SPROTT PHYSICAL SILVER TR TR UNIT COMMON STOCK 85207K107   41,700 5,000 SH   DFND   5,000 0 0
STARBUCKS CORP COM COMMON STOCK 855244109   156,713 1,505 SH   SOLE   1,305 200 0
STARBUCKS CORP COM COMMON STOCK 855244109   281,151 2,700 SH   DFND   2,700 0 0
STATE STR CORP COM COMMON STOCK 857477103   328,866 4,345 SH   SOLE   4,345 0 0
STATE STR CORP COM COMMON STOCK 857477103   30,276 400 SH   DFND   400 0 0
SUNCOR ENERGY INC NEW COM FOREIGN EQUITIES 867224107   28,338 913 SH   SOLE   913 0 0
SUNCOR ENERGY INC NEW COM FOREIGN EQUITIES 867224107   9,312 300 SH   DFND   300 0 0
SUNPOWER CORP COMMON STOCK 867652406   415 30 SH   DFND   30 0 0
SYNCHRONY FINANCIAL COM COMMON STOCK 87165B103   7,267 250 SH   SOLE   250 0 0
SYSCO CORP COM COMMON STOCK 871829107   200,772 2,600 SH   SOLE   2,300 300 0
SYSCO CORP COM COMMON STOCK 871829107   38,610 500 SH   DFND   0 500 0
TJX COMPANIES COMMON STOCK 872540109   15,672 200 SH   SOLE   0 0 200
TAIWAN SEMICONDUCTOR ADR FOREIGN EQUITIES 874039100   4,651 50 SH   SOLE   50 0 0
TARGET CORP COMMON STOCK 87612E106   1,006,849 6,079 SH   SOLE   5,502 506 71
TELEDYNE TECHNOLOGIES INC COMMON STOCK 879360105   16,551 37 SH   SOLE   37 0 0
TESLA MOTORS, INC COMMON STOCK 88160R101   74,684 360 SH   SOLE   360 0 0
TESLA MOTORS, INC COMMON STOCK 88160R101   6,223 30 SH   DFND   30 0 0
THERMO FISCHER SCIENTIFIC COMMON STOCK 883556102   488,172 847 SH   SOLE   755 92 0
3M CO COMMON STOCK 88579Y101   887,747 8,446 SH   SOLE   8,346 0 100
3M CO COMMON STOCK 88579Y101   383,651 3,650 SH   DFND   3,300 350 0
TOOTSIE ROLL IND INC COMMON STOCK 890516107   8,980 200 SH   SOLE   200 0 0
TRAVELERS COMPANIES INC COM COMMON STOCK 89417E109   52,965 309 SH   SOLE   309 0 0
TRUIST FINL CORP COM COMMON STOCK 89832Q109   19,363 568 SH   SOLE   568 0 0
US BANCORP DEL COMMON STOCK 902973304   409,953 11,375 SH   SOLE   9,575 1,800 0
US BANCORP DEL COMMON STOCK 902973304   43,248 1,200 SH   DFND   1,000 200 0
UNION PAC CORP COM COMMON STOCK 907818108   1,736,471 8,628 SH   SOLE   8,628 0 0
UNITED PARCEL SERVICE INC CL B COMMON STOCK 911312106   852,963 4,397 SH   SOLE   3,799 406 192
UNITED PARCEL SERVICE INC CL B COMMON STOCK 911312106   126,093 650 SH   DFND   650 0 0
UNITED STATES STL CORP NEW COM COMMON STOCK 912909108   1,617 62 SH   SOLE   62 0 0
VANECK VECTORS ETF TR GOLD MINERS ETF COMMON STOCK 92189F106   64,680 2,000 SH   DFND   2,000 0 0
VANGUARD TOTAL INTL STOCK VG TL INTL STK F MUTUAL FUNDS-ETF EQUITIES 921909768   1,218,039 22,066 SH   SOLE   22,066 0 0
VANGUARD TOTAL INTL STOCK VG TL INTL STK F MUTUAL FUNDS-ETF EQUITIES 921909768   31,517 571 SH   DFND   571 0 0
VANGUARD B SHORT TERM BOND MUTUAL FUNDS-ETF FIXED INCOME 921937827   47,806 625 SH   DFND   0 625 0
VANGUARD BD INDEX FD INC TOTAL BD MARKET MUTUAL FUNDS-ETF FIXED INCOME 921937835   45,700 619 SH   DFND   0 619 0
VANGUARD FTSE DEVELOPED MARKET ETF MUTUAL FUNDS-ETF EQUITIES 921943858   10,567 234 SH   SOLE   234 0 0
VANGUARD INFORMATION TECH ETF MUTUAL FUNDS-ETF EQUITIES 92204A702   76,321 198 SH   SOLE   198 0 0
VANGUARD INTL EQUITY INDEX FALLWRLD EX US MUTUAL FUNDS-ETF EQUITIES 922042775   6,416 120 SH   SOLE   120 0 0
VANGUARD EMERGING MARKETS ETF MUTUAL FUNDS-ETF EQUITIES 922042858   56,560 1,400 SH   SOLE   1,400 0 0
VANGUARD EMERGING MARKETS ETF MUTUAL FUNDS-ETF EQUITIES 922042858   12,120 300 SH   DFND   300 0 0
VECTRUS INC. COMMON STOCK 92242T101   436 11 SH   DFND   11 0 0
VANGUARD 500 INDEX FUND MUTUAL FUNDS-ETF EQUITIES 922908363   597,948 1,590 SH   SOLE   1,590 0 0
VANGUARD 500 INDEX FUND MUTUAL FUNDS-ETF EQUITIES 922908363   60,170 160 SH   DFND   160 0 0
VANGUARD REAL ESTATE COMMON STOCK 922908553   1,097,365 13,215 SH   SOLE   11,758 1,190 267
VANGUARD REAL ESTATE COMMON STOCK 922908553   104,215 1,255 SH   DFND   1,000 255 0
VANGUARD MID CAP ETF MUTUAL FUNDS-ETF EQUITIES 922908629   448,622 2,127 SH   SOLE   1,997 130 0
VANGUARD MID CAP ETF MUTUAL FUNDS-ETF EQUITIES 922908629   33,324 158 SH   DFND   58 100 0
VANGUARD INDEX FDS EXTEND MKT ETF MUTUAL FUNDS-ETF EQUITIES 922908652   1,593,651 11,367 SH   SOLE   11,367 0 0
VANGUARD INDEX FDS EXTEND MKT ETF MUTUAL FUNDS-ETF EQUITIES 922908652   11,075 79 SH   DFND   79 0 0
VANGUARD GROWTH ETF MUTUAL FUNDS-ETF EQUITIES 922908736   405,588 1,626 SH   SOLE   1,626 0 0
VANGUARD VALUE ETF MUTUAL FUNDS-ETF EQUITIES 922908744   432,284 3,130 SH   SOLE   3,130 0 0
VANGUARD SMALL CAP ETF MUTUAL FUNDS-ETF EQUITIES 922908751   1,521,404 8,026 SH   SOLE   7,892 134 0
VANGUARD SMALL CAP ETF MUTUAL FUNDS-ETF EQUITIES 922908751   69,188 365 SH   DFND   265 100 0
VERIZON COMMUNICATIONS COM COMMON STOCK 92343V104   1,599,420 41,138 SH   SOLE   37,946 2,092 1,100
VERIZON COMMUNICATIONS COM COMMON STOCK 92343V104   397,352 10,220 SH   DFND   3,543 4,177 2,500
VIATRIS INC COM COMMON STOCK 92556V106   27,664 2,876 SH   SOLE   2,876 0 0
VIATRIS INC COM COMMON STOCK 92556V106   22,051 2,293 SH   DFND   1,686 545 62
VISA CLASS A COMMON STOCK 92826C839   481,804 2,137 SH   SOLE   2,137 0 0
VISA CLASS A COMMON STOCK 92826C839   473,466 2,100 SH   DFND   2,000 100 0
VIRTUS CONVERTIBLE & INCOME COM MUTUAL FUNDS-ETF EQUITIES 92838X102   9,477 2,829 SH   SOLE   2,829 0 0
VODAFONE GROUP PLC FOREIGN EQUITIES 92857W308   406,375 36,810 SH   SOLE   36,810 0 0
VODAFONE GROUP PLC FOREIGN EQUITIES 92857W308   155,664 14,100 SH   DFND   14,100 0 0
WEC ENERGY GROUP INC COM COMMON STOCK 92939U106   30,901 326 SH   SOLE   326 0 0
WABTEC CORP COM COMMON STOCK 929740108   202 2 SH   SOLE   2 0 0
WABTEC CORP COM COMMON STOCK 929740108   3,737 37 SH   DFND   13 24 0
WAL MART STORES INC COM COMMON STOCK 931142103   832,938 5,649 SH   SOLE   5,649 0 0
WAL MART STORES INC COM COMMON STOCK 931142103   117,960 800 SH   DFND   800 0 0
WALGREENS BOOTS ALLIANCE COMMON STOCK 931427108   50,989 1,475 SH   SOLE   1,475 0 0
WALGREENS BOOTS ALLIANCE COMMON STOCK 931427108   38,027 1,100 SH   DFND   1,000 100 0
WARNER BROS DISCOVERY INC COM SER A COMMON STOCK 934423104   28,141 1,864 SH   SOLE   1,864 0 0
WARNER BROS DISCOVERY INC COM SER A COMMON STOCK 934423104   8,543 566 SH   DFND   181 385 0
WASTE MANAGEMENT INC NEW COMMON STOCK 94106L109   449,363 2,754 SH   SOLE   2,754 0 0
WELLS FARGO & CO NEW COM COMMON STOCK 949746101   643,940 17,227 SH   SOLE   16,127 1,100 0
WELLS FARGO & CO NEW COM COMMON STOCK 949746101   48,594 1,300 SH   DFND   1,300 0 0
WEYERHAEUSER CO COM COMMON STOCK 962166104   52,184 1,732 SH   SOLE   1,732 0 0
WEYERHAEUSER CO COM COMMON STOCK 962166104   42,182 1,400 SH   DFND   0 1,400 0
XCEL ENERGY INC COMMON STOCK 98389B100   229,296 3,400 SH   SOLE   3,400 0 0
XYLEM INC COMMON STOCK 98419M100   482,140 4,605 SH   SOLE   3,590 1,015 0
XYLEM INC COMMON STOCK 98419M100   146,580 1,400 SH   DFND   1,300 100 0
ZIMVIE INC COM COMMON STOCK 98888T107   1,402 194 SH   DFND   194 0 0
ZIMMER HLDGS INC COM COMMON STOCK 98956P102   250,648 1,940 SH   DFND   1,940 0 0
ZOETIS INC CL A COMMON STOCK 98978V103   143,304 861 SH   SOLE   861 0 0
ZOOM VIDEO COMMUNICATIONS INCL A COMMON STOCK 98980L101   1,846 25 SH   SOLE   25 0 0