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   169,834 490 SH   SOLE   490 0 0
ACCENTURE LTD BERMUDA CL A FOREIGN EQUITIES G1151C101   69,320 200 SH   DFND   200 0 0
EATON CORP PLC FOREIGN EQUITIES G29183103   133,820 428 SH   SOLE   301 127 0
LINDE PLC SHS FOREIGN EQUITIES G54950103   46,432 100 SH   SOLE   100 0 0
MEDTRONIC PLC ORDINARY COMMON STOCK G5960L103   379,100 4,350 SH   SOLE   4,050 0 300
MEDTRONIC PLC ORDINARY COMMON STOCK G5960L103   43,575 500 SH   DFND   100 400 0
ALCON INC ORD SHS COMMON STOCK H01301128   13,991 168 SH   SOLE   110 0 58
ALCON INC ORD SHS COMMON STOCK H01301128   11,493 138 SH   DFND   80 58 0
LYONDELLBASELL INDUSTRIES N.V. CL A FOREIGN EQUITIES N53745100   16,158 158 SH   SOLE   158 0 0
AT&T INC COM COMMON STOCK 00206R102   200,766 11,414 SH   SOLE   10,914 0 500
AT&T INC COM COMMON STOCK 00206R102   67,368 3,830 SH   DFND   2,330 1,500 0
ABBOTT LABS COM COMMON STOCK 002824100   1,214,902 10,689 SH   SOLE   9,169 1,220 300
ABBOTT LABS COM COMMON STOCK 002824100   838,469 7,377 SH   DFND   7,327 50 0
ABBVIE INC COMMON STOCK 00287Y109   2,920,690 16,039 SH   SOLE   14,846 893 300
ABBVIE INC COMMON STOCK 00287Y109   1,709,189 9,386 SH   DFND   9,076 310 0
ADOBE INC COM COMMON STOCK 00724F101   1,697,409 3,364 SH   SOLE   3,329 35 0
ADOBE INC COM COMMON STOCK 00724F101   31,789 63 SH   DFND   63 0 0
AGILENT TECHNOLOGIES INC COM COMMON STOCK 00846U101   14,551 100 SH   SOLE   100 0 0
AGILENT TECHNOLOGIES INC COM COMMON STOCK 00846U101   29,102 200 SH   DFND   0 200 0
AIR PRODUCT AND CHEMICALS INC COMMON STOCK 009158106   1,118,548 4,617 SH   SOLE   4,117 500 0
AIR PRODUCT AND CHEMICALS INC COMMON STOCK 009158106   676,660 2,793 SH   DFND   2,593 200 0
AIR TRANSPORT SERVICES GRP ICOM COMMON STOCK 00922R105   30,822 2,240 SH   SOLE   2,240 0 0
ALLSTATE CORP COM COMMON STOCK 020002101   17,301 100 SH   SOLE   100 0 0
ALNYLAM PHARMACEUTICALS INC COM COMMON STOCK 02043Q107   7,472 50 SH   SOLE   50 0 0
ALPHABET INC CAP STK CL C COMMON STOCK 02079K107   1,489,556 9,783 SH   SOLE   8,183 1,600 0
ALPHABET INC CAP STK CL C COMMON STOCK 02079K107   2,020,642 13,271 SH   DFND   12,800 471 0
ALPHABET INC CAP STK CL A COMMON STOCK 02079K305   2,087,189 13,829 SH   SOLE   13,519 110 200
ALPHABET INC CAP STK CL A COMMON STOCK 02079K305   234,393 1,553 SH   DFND   1,553 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103   137,240 3,147 SH   SOLE   3,147 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103   146,093 3,350 SH   DFND   1,500 1,850 0
AMAZON COM INC COM COMMON STOCK 023135106   4,008,380 22,222 SH   SOLE   20,748 1,382 92
AMAZON COM INC COM COMMON STOCK 023135106   2,811,762 15,588 SH   DFND   15,306 282 0
AMERICAN ELEC PWR INC COM COMMON STOCK 025537101   239,788 2,785 SH   DFND   2,785 0 0
AMERICAN EXPRESS CO COM COMMON STOCK 025816109   2,451,974 10,769 SH   SOLE   9,617 1,152 0
AMERICAN EXPRESS CO COM COMMON STOCK 025816109   427,599 1,878 SH   DFND   1,172 706 0
AMERICAN INTL GROUP INC COM COMMON STOCK 026874784   625 8 SH   SOLE   8 0 0
AMERICAN WATER WORKS COMMON STOCK 030420103   496,781 4,065 SH   SOLE   3,865 200 0
AMERICAN WATER WORKS COMMON STOCK 030420103   60,738 497 SH   DFND   397 100 0
AMERIPRISE FINL INC COM COMMON STOCK 03076C106   331,022 755 SH   SOLE   755 0 0
AMGEN INC COM COMMON STOCK 031162100   821,392 2,889 SH   SOLE   2,589 300 0
AMGEN INC COM COMMON STOCK 031162100   511,776 1,800 SH   DFND   1,800 0 0
AMPLIFY ETF TR AMPLIFY ALTERNAT MUTUAL FUNDS-ETF EQUITIES 032108631   418 100 SH   SOLE   100 0 0
ANALOG DEVICES INC COMMON STOCK 032654105   1,817,672 9,190 SH   SOLE   8,006 1,116 68
ANALOG DEVICES INC COMMON STOCK 032654105   141,613 716 SH   DFND   409 307 0
APPLE COMPUTER INC COM COMMON STOCK 037833100   8,179,742 47,701 SH   SOLE   45,183 2,250 268
APPLE COMPUTER INC COM COMMON STOCK 037833100   1,765,727 10,297 SH   DFND   8,697 1,600 0
APPLIED MATLS INC COM COMMON STOCK 038222105   1,075,890 5,217 SH   SOLE   5,217 0 0
APPLIED MATLS INC COM COMMON STOCK 038222105   29,903 145 SH   DFND   145 0 0
ASTRAZENECA PLC SPONSORED ADR FOREIGN EQUITIES 046353108   6,775 100 SH   SOLE   100 0 0
AUTOMATIC DATA PROCESSING INCOM COMMON STOCK 053015103   628,343 2,516 SH   SOLE   2,516 0 0
AUTOMATIC DATA PROCESSING INCOM COMMON STOCK 053015103   99,896 400 SH   DFND   200 200 0
AUTOZONE INC COM COMMON STOCK 053332102   986,466 313 SH   SOLE   313 0 0
AUTOZONE INC COM COMMON STOCK 053332102   157,582 50 SH   DFND   50 0 0
BP PLC SPONSORED ADR COMMON STOCK 055622104   120,801 3,206 SH   SOLE   3,206 0 0
BP PLC SPONSORED ADR COMMON STOCK 055622104   80,898 2,147 SH   DFND   1,997 150 0
BANKAMERICA CORP NEW COMMON STOCK 060505104   783,212 20,660 SH   SOLE   20,360 300 0
BANK NEW YORK MELLON CORP COM COMMON STOCK 064058100   82,091 1,425 SH   SOLE   1,425 0 0
BAXTER INTL INC COM COMMON STOCK 071813109   85,460 2,000 SH   DFND   2,000 0 0
BERKSHIRE HATHAWAY B NEW COMMON STOCK 084670702   2,232,475 5,309 SH   SOLE   4,832 477 0
BERKSHIRE HATHAWAY B NEW COMMON STOCK 084670702   724,958 1,724 SH   DFND   1,658 66 0
BLACKROCK INC COM COMMON STOCK 09247X101   800,346 960 SH   SOLE   946 14 0
BLACKROCK INC COM COMMON STOCK 09247X101   583,590 700 SH   DFND   700 0 0
BOEING CO COM COMMON STOCK 097023105   1,567,435 8,122 SH   SOLE   8,097 25 0
BOEING CO COM COMMON STOCK 097023105   148,988 772 SH   DFND   772 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108   755,066 13,926 SH   SOLE   13,595 0 331
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108   471,062 8,688 SH   DFND   7,917 771 0
BROADCOM INC NPV COMMON STOCK 11135F101   5,566,704 4,200 SH   SOLE   3,760 440 0
BROADCOM INC NPV COMMON STOCK 11135F101   212,064 160 SH   DFND   120 40 0
CSX CORP COM COMMON STOCK 126408103   22,236 600 SH   SOLE   600 0 0
CVS/CAREMARK CORP COM COMMON STOCK 126650100   475,998 5,968 SH   SOLE   5,356 612 0
CVS/CAREMARK CORP COM COMMON STOCK 126650100   22,731 285 SH   DFND   0 285 0
CARRIER GLOBAL CORPORATION COM COMMON STOCK 14448C104   5,813 100 SH   SOLE   100 0 0
CARRIER GLOBAL CORPORATION COM COMMON STOCK 14448C104   435,975 7,500 SH   DFND   7,500 0 0
CATERPILLAR INC DEL COM COMMON STOCK 149123101   997,751 2,723 SH   SOLE   2,612 111 0
CATERPILLAR INC DEL COM COMMON STOCK 149123101   71,816 196 SH   DFND   149 47 0
CHEMOURS CO COM COMMON STOCK 163851108   3,438 131 SH   SOLE   131 0 0
CHEVRONTEXACO CORP COM COMMON STOCK 166764100   1,703,419 10,799 SH   SOLE   10,633 166 0
CHEVRONTEXACO CORP COM COMMON STOCK 166764100   1,145,980 7,265 SH   DFND   6,965 300 0
CISCO SYS INC COM COMMON STOCK 17275R102   1,843,790 36,950 SH   SOLE   34,700 2,100 150
CISCO SYS INC COM COMMON STOCK 17275R102   202,593 4,060 SH   DFND   2,490 1,570 0
CITIGROUP INC NEW COMMON STOCK 172967424   83,792 1,325 SH   SOLE   1,325 0 0
CLOROX COMPANY COMMON STOCK 189054109   11,482 75 SH   SOLE   75 0 0
COCA COLA CO COM COMMON STOCK 191216100   1,277,735 20,885 SH   SOLE   19,339 991 555
COCA COLA CO COM COMMON STOCK 191216100   206,665 3,378 SH   DFND   2,732 646 0
COINBASE GLOBAL INC COM CL A COMMON STOCK 19260Q107   26,511 100 SH   SOLE   100 0 0
COLGATE PALMOLIVE CO COM COMMON STOCK 194162103   75,641 840 SH   SOLE   840 0 0
COLGATE PALMOLIVE CO COM COMMON STOCK 194162103   360,200 4,000 SH   DFND   4,000 0 0
COMCAST CORP COMMON STOCK 20030N101   802,257 18,511 SH   SOLE   16,314 2,197 0
COMCAST CORP COMMON STOCK 20030N101   79,528 1,835 SH   DFND   1,835 0 0
COMMUNITY BANK SYSTEM INC COMMON STOCK 203607106   259,884 5,412 SH   SOLE   5,412 0 0
CONOCOPHILLIPS COM COMMON STOCK 20825C104   170,936 1,343 SH   SOLE   1,343 0 0
CONOCOPHILLIPS COM COMMON STOCK 20825C104   381,840 3,000 SH   DFND   3,000 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104   181 2 SH   SOLE   2 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104   63,567 700 SH   DFND   0 0 700
CONSTELLATION ENERGY CORP COM COMMON STOCK 21037T109   36,969 200 SH   SOLE   34 0 166
CONSTELLATION ENERGY CORP COM COMMON STOCK 21037T109   12,200 66 SH   DFND   66 0 0
CORTEVA INC COM COMMON STOCK 22052L104   131,943 2,288 SH   SOLE   2,085 0 203
CORTEVA INC COM COMMON STOCK 22052L104   282,980 4,907 SH   DFND   3,048 1,859 0
COSTCO WHSL CORP NEW COMMON STOCK 22160K105   769,986 1,051 SH   SOLE   928 123 0
COSTCO WHSL CORP NEW COMMON STOCK 22160K105   88,648 121 SH   DFND   121 0 0
DANAHER CORP COMMON STOCK 235851102   583,840 2,338 SH   SOLE   2,101 237 0
DANAHER CORP COMMON STOCK 235851102   19,977 80 SH   DFND   80 0 0
DEERE & CO COM COMMON STOCK 244199105   802,145 1,953 SH   SOLE   1,824 0 129
DEERE & CO COM COMMON STOCK 244199105   573,377 1,396 SH   DFND   1,347 49 0
DISNEY WALT CO COM DISNEY COMMON STOCK 254687106   405,128 3,311 SH   SOLE   3,311 0 0
DISNEY WALT CO COM DISNEY COMMON STOCK 254687106   64,239 525 SH   DFND   100 100 325
DISCOVER FINL SVCS COMMON STOCK 254709108   14,288 109 SH   SOLE   109 0 0
DOMINION RES INC VA NEW COM COMMON STOCK 25746U109   542,350 11,028 SH   SOLE   10,428 0 600
DOMINION RES INC VA NEW COM COMMON STOCK 25746U109   422,948 8,600 SH   DFND   7,700 900 0
DOW INC COM COMMON STOCK 260557103   160,398 2,769 SH   SOLE   2,566 0 203
DOW INC COM COMMON STOCK 260557103   284,259 4,907 SH   DFND   3,048 1,859 0
DUKE ENERGY HLDG CORP COMMON STOCK 26441C204   490,308 5,070 SH   SOLE   5,070 0 0
DUKE ENERGY HLDG CORP COMMON STOCK 26441C204   431,229 4,459 SH   DFND   4,393 66 0
DUPONT DE NEMOURS INC COM COMMON STOCK 26614N102   310,043 4,044 SH   SOLE   3,841 0 203
DUPONT DE NEMOURS INC COM COMMON STOCK 26614N102   360,879 4,707 SH   DFND   2,848 1,859 0
EATON VANCE INSURED MUNI BD FD MUTUAL FUNDS-ETF FIXED INCOME 27827X101   17,243 1,666 SH   SOLE   1,666 0 0
EBAY INC COM COMMON STOCK 278642103   21,530 408 SH   SOLE   408 0 0
ECOLAB INC COMMON STOCK 278865100   535,686 2,320 SH   SOLE   2,195 125 0
ECOLAB INC COMMON STOCK 278865100   52,875 229 SH   DFND   229 0 0
EMERSON ELEC CO COM COMMON STOCK 291011104   1,796,903 15,843 SH   SOLE   14,115 1,328 400
EMERSON ELEC CO COM COMMON STOCK 291011104   568,119 5,009 SH   DFND   3,593 1,416 0
ENBRIDGE INC COMMON STOCK 29250N105   772,789 21,360 SH   SOLE   21,060 300 0
ENBRIDGE INC COMMON STOCK 29250N105   377,174 10,425 SH   DFND   8,636 1,789 0
ENERGY TRANSFER EQUITY L P COM UNIT LTD PRTNERS PARTNERSHIPS 29273V100   28,188 1,792 SH   SOLE   1,792 0 0
ENTEGRIS INC COMMON STOCK 29362U104   28,108 200 SH   SOLE   200 0 0
ESSA BANCORP INC COM COMMON STOCK 29667D104   26,637 1,462 SH   SOLE   1,462 0 0
ESSENTIAL UTILS INC COM COMMON STOCK 29670G102   37,040 1,000 SH   SOLE   0 0 1,000
ESSENTIAL UTILS INC COM COMMON STOCK 29670G102   9,260 250 SH   DFND   250 0 0
EXELON CORP COM COMMON STOCK 30161N101   134,238 3,574 SH   SOLE   3,074 0 500
EXELON CORP COM COMMON STOCK 30161N101   22,536 600 SH   DFND   600 0 0
EXPEDITORS INTL WASH INC COMMON STOCK 302130109   415,403 3,417 SH   SOLE   2,258 918 241
EXPEDITORS INTL WASH INC COMMON STOCK 302130109   165,456 1,361 SH   DFND   350 1,011 0
EXXON MOBIL CORP COM COMMON STOCK 30231G102   2,561,219 22,034 SH   SOLE   21,834 100 100
EXXON MOBIL CORP COM COMMON STOCK 30231G102   2,320,148 19,960 SH   DFND   14,623 4,737 600
F N B CORP PA COMMON STOCK 302520101   816,911 57,937 SH   SOLE   57,937 0 0
FNCB BANCORP INC COM COMMON STOCK 302578109   12,140 2,000 SH   SOLE   2,000 0 0
FACEBOOK INC COMMON STOCK 30303M102   1,710,200 3,522 SH   SOLE   3,522 0 0
FACEBOOK INC COMMON STOCK 30303M102   155,870 321 SH   DFND   321 0 0
FASTENAL CO COM COMMON STOCK 311900104   2,358,469 30,578 SH   SOLE   26,298 3,373 907
FASTENAL CO COM COMMON STOCK 311900104   822,898 10,669 SH   DFND   8,281 2,388 0
FIDELITY D & D BANCORP INC COM COMMON STOCK 31609R100   7,070 146 SH   SOLE   146 0 0
FORD MTR CO DEL COM PAR $0.01 COMMON STOCK 345370860   6,640 500 SH   SOLE   500 0 0
FREEPORTMCMORAN COPP CL B COMMON STOCK 35671D857   10,062 214 SH   SOLE   214 0 0
FREEPORTMCMORAN COPP CL B COMMON STOCK 35671D857   2,539 54 SH   DFND   54 0 0
GE HEALTHCARE TECHNOLOGIES ICOMMON STOCK COMMON STOCK 36266G107   26,085 287 SH   SOLE   287 0 0
GE HEALTHCARE TECHNOLOGIES ICOMMON STOCK COMMON STOCK 36266G107   18,450 203 SH   DFND   16 187 0
GARRETT MOTION INC COM COMMON STOCK 366505105   99 10 SH   DFND   0 10 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108   135,872 481 SH   SOLE   481 0 0
GENERAL ELEC CO COM COMMON STOCK 369604301   233,803 1,332 SH   SOLE   1,332 0 0
GENERAL ELEC CO COM COMMON STOCK 369604301   258,025 1,470 SH   DFND   850 620 0
GENERAL MLS INC COM COMMON STOCK 370334104   613,417 8,767 SH   SOLE   7,982 785 0
GENERAL MLS INC COM COMMON STOCK 370334104   331,935 4,744 SH   DFND   4,044 700 0
GENERAL MOTORS CO COM COMMON STOCK 37045V100   9,068 200 SH   SOLE   200 0 0
GLAXOSMITHKLINE PLC SPONSORED ADR COMMON STOCK 37733W204   118,802 2,772 SH   SOLE   2,772 0 0
GLAXOSMITHKLINE PLC SPONSORED ADR COMMON STOCK 37733W204   3,428 80 SH   DFND   80 0 0
GLOBAL PAMENTS INC COMMON STOCK 37940X102   13,366 100 SH   SOLE   100 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104   1,839,483 4,404 SH   SOLE   4,204 200 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104   110,685 265 SH   DFND   210 55 0
HALEON PLC SPON ADS FOREIGN EQUITIES 405552100   849 100 SH   DFND   100 0 0
HASBRO INC COM COMMON STOCK 418056107   12,321 218 SH   SOLE   218 0 0
HERSHEY FOODS CORP COM COMMON STOCK 427866108   83,440 429 SH   SOLE   429 0 0
HOME DEPOT INC COM COMMON STOCK 437076102   2,413,908 6,293 SH   SOLE   5,768 488 37
HOME DEPOT INC COM COMMON STOCK 437076102   90,526 236 SH   DFND   236 0 0
HONEYWELL INTL INC COM COMMON STOCK 438516106   581,060 2,831 SH   SOLE   2,831 0 0
HONEYWELL INTL INC COM COMMON STOCK 438516106   20,525 100 SH   DFND   0 100 0
INTEL CORP COM COMMON STOCK 458140100   166,041 3,760 SH   SOLE   3,360 0 400
INTEL CORP COM COMMON STOCK 458140100   189,799 4,298 SH   DFND   3,898 400 0
INTERNATIONAL BUSINESS MACHSCOM COMMON STOCK 459200101   992,225 5,196 SH   SOLE   5,196 0 0
INTERNATIONAL BUSINESS MACHSCOM COMMON STOCK 459200101   210,628 1,103 SH   DFND   0 1,103 0
INVESCO EX PFD ETF MUTUAL FUNDS-ETF EQUITIES 46138E511   47,519 4,000 SH   SOLE   4,000 0 0
ISHARES MSCI PAC JP ETF MUTUAL FUNDS-EQUITIES 464286665   2,140 50 SH   SOLE   50 0 0
ISHARES S&P 100 MUTUAL FUNDS-EQUITIES 464287101   12,370 50 SH   SOLE   50 0 0
I SHARES TR DJ SLECT DIV INDEX MUTUAL FUNDS-EQUITIES 464287168   6,159 50 SH   SOLE   50 0 0
ISHARES S&P 500 INDEX MUTUAL FUNDS-ETF EQUITIES 464287200   3,214,246 6,114 SH   SOLE   6,114 0 0
ISHARES TR MSCI EAFE INDEX MUTUAL FUNDS-ETF EQUITIES 464287465   303,464 3,800 SH   SOLE   3,800 0 0
ISHARES TR MSCI EAFE INDEX MUTUAL FUNDS-ETF EQUITIES 464287465   63,648 797 SH   DFND   797 0 0
ISHARES RUSSELL MID-CAP ETF MUTUAL FUNDS-EQUITIES 464287499   25,227 300 SH   SOLE   300 0 0
ISHARES S&P 600 INDEX MUTUAL FUNDS-ETF EQUITIES 464287804   27,629 250 SH   SOLE   250 0 0
ISHARES TR US TREAS BD ETF MUTUAL FUNDS-ETF FIXED INCOME 46429B267   14,094 619 SH   SOLE   619 0 0
J P MORGAN CHASE & CO COM COMMON STOCK 46625H100   3,269,686 16,324 SH   SOLE   15,077 1,247 0
J P MORGAN CHASE & CO COM COMMON STOCK 46625H100   343,713 1,716 SH   DFND   1,397 319 0
JOHNSON & JOHNSON COM COMMON STOCK 478160104   2,590,813 16,378 SH   SOLE   15,569 809 0
JOHNSON & JOHNSON COM COMMON STOCK 478160104   1,167,757 7,382 SH   DFND   6,450 932 0
KELLOGG CO COM COMMON STOCK 487836108   28,645 500 SH   SOLE   0 0 500
KELLOGG CO COM COMMON STOCK 487836108   85,935 1,500 SH   DFND   1,500 0 0
KIMBERLY CLARK CORP COM COMMON STOCK 494368103   225,065 1,740 SH   SOLE   1,740 0 0
KIMBERLY CLARK CORP COM COMMON STOCK 494368103   436,168 3,372 SH   DFND   3,372 0 0
KINDER MORGAN INC (DE) CLASS P COMMON STOCK 49456B101   18 1 SH   SOLE   1 0 0
KRAFT HEINZ CO COM COMMON STOCK 500754106   167,222 4,533 SH   SOLE   4,533 0 0
KRAFT HEINZ CO COM COMMON STOCK 500754106   43,491 1,179 SH   DFND   646 533 0
KYNDRYL HLDGS INC COMMON STOCK COMMON STOCK 50155Q100   13,006 598 SH   SOLE   598 0 0
KYNDRYL HLDGS INC COMMON STOCK COMMON STOCK 50155Q100   3,479 160 SH   DFND   0 160 0
LILLY ELI & CO COM COMMON STOCK 532457108   5,589,622 7,185 SH   SOLE   6,519 418 248
LILLY ELI & CO COM COMMON STOCK 532457108   7,079,434 9,100 SH   DFND   7,400 1,700 0
LITTLEFUSE INC COMMON STOCK 537008104   9,209 38 SH   SOLE   38 0 0
LOCKHEED MARTIN CORP COM COMMON STOCK 539830109   1,013,872 2,229 SH   SOLE   2,209 20 0
LOCKHEED MARTIN CORP COM COMMON STOCK 539830109   78,235 172 SH   DFND   172 0 0
LOWES COS INC COM COMMON STOCK 548661107   463,606 1,820 SH   SOLE   1,420 0 400
LOWES COS INC COM COMMON STOCK 548661107   229,257 900 SH   DFND   500 400 0
LUCID GROUP INC COM COMMON STOCK 549498103   1,136 400 SH   SOLE   400 0 0
LULULEMON ATHLETICA COMMON STOCK 550021109   78,128 200 SH   SOLE   200 0 0
MANNKIND CORPORATION COMMON STOCK 56400P706   1,084 240 SH   DFND   240 0 0
MARATHON OIL CO COMMON STOCK 565849106   88,165 3,111 SH   SOLE   3,111 0 0
MARATHON PETROLEUM CORP COMMON STOCK 56585A102   403,000 2,000 SH   SOLE   2,000 0 0
MASTERCARD INCORPORATED COMMON STOCK 57636Q104   3,441,765 7,147 SH   SOLE   6,632 515 0
MASTERCARD INCORPORATED COMMON STOCK 57636Q104   1,251,117 2,598 SH   DFND   2,498 100 0
MATTEL INC COM COMMON STOCK 577081102   75,537 3,815 SH   SOLE   3,815 0 0
MCDONALDS CORP COM COMMON STOCK 580135101   4,879,516 17,307 SH   SOLE   16,688 619 0
MCDONALDS CORP COM COMMON STOCK 580135101   867,809 3,078 SH   DFND   3,011 67 0
MCKESSON CORP COMMON STOCK 58155Q103   53,684 100 SH   SOLE   100 0 0
MERCK & CO INC NEW COMMON STOCK 58933Y105   2,218,601 16,814 SH   SOLE   16,407 0 407
MERCK & CO INC NEW COMMON STOCK 58933Y105   833,131 6,314 SH   DFND   5,614 700 0
METLIFE INC COMMON STOCK 59156R108   11,116 150 SH   DFND   0 150 0
MICROSOFT CORP COMMON STOCK 594918104   8,324,561 19,787 SH   SOLE   18,493 1,175 119
MICROSOFT CORP COMMON STOCK 594918104   2,302,544 5,473 SH   DFND   3,443 2,030 0
MICROCHIP TECHNOLOGY INC COM COMMON STOCK 595017104   2,699,807 30,095 SH   SOLE   26,295 3,000 800
MICROCHIP TECHNOLOGY INC COM COMMON STOCK 595017104   675,964 7,535 SH   DFND   5,485 2,050 0
MICROVAST HOLDINGS INC COM COMMON STOCK 59516C106   415 500 SH   SOLE   500 0 0
MONDELEZ INTL INC COMMON STOCK 609207105   579,040 8,272 SH   SOLE   7,848 0 424
MONDELEZ INTL INC COMMON STOCK 609207105   647,430 9,249 SH   DFND   7,882 1,367 0
MORGAN STANLEY DEAN WITTER DISCOVER & CO COMMON STOCK 617446448   1,089,207 11,569 SH   SOLE   10,973 596 0
MORGAN STANLEY DEAN WITTER DISCOVER & CO COMMON STOCK 617446448   20,053 213 SH   DFND   111 102 0
NBT BANCORP INC COM COMMON STOCK 628778102   696,920 19,000 SH   SOLE   19,000 0 0
NEW YORK TIMES CO CL A COMMON STOCK 650111107   25,932 600 SH   SOLE   600 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101   620,149 9,705 SH   SOLE   9,705 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101   1,094,286 17,125 SH   DFND   14,925 2,200 0
NIKE INC CL B COMMON STOCK 654106103   1,055,284 11,229 SH   SOLE   10,164 1,065 0
NIKE INC CL B COMMON STOCK 654106103   118,884 1,265 SH   DFND   1,265 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108   737,840 2,895 SH   SOLE   2,855 40 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108   82,832 325 SH   DFND   225 100 0
NORWOOD FINANCIAL CORPORATION COMMON STOCK 669549107   96,696 3,555 SH   SOLE   3,555 0 0
NOVARTIS AG COMMON STOCK 66987V109   112,303 1,161 SH   SOLE   924 0 237
NOVARTIS AG COMMON STOCK 66987V109   129,811 1,342 SH   DFND   1,050 292 0
NOVO-NORDISK A S ADR COMMON STOCK 670100205   782,968 6,098 SH   SOLE   5,692 406 0
NOVO-NORDISK A S ADR COMMON STOCK 670100205   109,525 853 SH   DFND   853 0 0
NUCOR CORP COMMON STOCK 670346105   64,317 325 SH   SOLE   325 0 0
NVIDIA CORP COM COMMON STOCK 67066G104   63,248 70 SH   SOLE   70 0 0
NUVEEN REAL ESTATE INCOME FD MUTUAL FUNDS-ETF FIXED INCOME 67071B108   1,579 200 SH   SOLE   200 0 0
OREILLY AUTOMOTIVE INC COM COMMON STOCK 67103H107   112,888 100 SH   DFND   100 0 0
OCCIDENTAL PETE CORP DEL COM COMMON STOCK 674599105   116,914 1,799 SH   SOLE   1,799 0 0
OCCIDENTAL PETE CORP DEL COM COMMON STOCK 674599105   25,996 400 SH   DFND   0 400 0
OPAL FUELS INC CLASS A COM COMMON STOCK 68347P103   2,505 500 SH   SOLE   500 0 0
ORACLE CORP COM COMMON STOCK 68389X105   1,626,391 12,948 SH   SOLE   10,948 2,000 0
ORACLE CORP COM COMMON STOCK 68389X105   57,780 460 SH   DFND   260 200 0
OTIS WORLDWIDE CORP COM COMMON STOCK 68902V107   4,963 50 SH   SOLE   50 0 0
PNC FINL SVCS GROUP INC COM COMMON STOCK 693475105   808,484 5,003 SH   SOLE   4,703 0 300
PNC FINL SVCS GROUP INC COM COMMON STOCK 693475105   492,880 3,050 SH   DFND   0 3,050 0
PPG INDS INC COM COMMON STOCK 693506107   54,337 375 SH   SOLE   375 0 0
PPG INDS INC COM COMMON STOCK 693506107   57,960 400 SH   DFND   0 400 0
PPL CORP, COM COMMON STOCK 69351T106   612,427 22,254 SH   SOLE   21,554 0 700
PPL CORP, COM COMMON STOCK 69351T106   74,304 2,700 SH   DFND   2,500 200 0
PAYCHEX INC COM COMMON STOCK 704326107   43,470 354 SH   SOLE   354 0 0
PAYPAL HLDGS INC COM COMMON STOCK 70450Y103   262,647 3,921 SH   SOLE   3,921 0 0
PAYPAL HLDGS INC COM COMMON STOCK 70450Y103   53,592 800 SH   DFND   800 0 0
PEOPLES FINL SVCS CORP COMMON STOCK 711040105   12,819,217 297,361 SH   SOLE   183,137 0 114,224
PEOPLES FINL SVCS CORP COMMON STOCK 711040105   135,192 3,136 SH   DFND   0 3,136 0
PEPSICO INC COM COMMON STOCK 713448108   4,637,749 26,500 SH   SOLE   25,595 722 183
PEPSICO INC COM COMMON STOCK 713448108   247,637 1,415 SH   DFND   699 716 0
PFIZER INC COM COMMON STOCK 717081103   1,524,880 54,951 SH   SOLE   53,263 1,101 587
PFIZER INC COM COMMON STOCK 717081103   577,530 20,812 SH   DFND   15,986 4,326 500
PHILIP MORRIS INTL INC COMMON STOCK 718172109   172,152 1,879 SH   SOLE   1,879 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109   260,200 2,840 SH   DFND   1,240 1,600 0
PHILLIPS 66 COMMON STOCK 718546104   502,270 3,075 SH   SOLE   3,075 0 0
PHILLIPS 66 COMMON STOCK 718546104   386,299 2,365 SH   DFND   2,365 0 0
PROCTER & GAMBLE CO COM COMMON STOCK 742718109   3,350,444 20,650 SH   SOLE   19,503 858 289
PROCTER & GAMBLE CO COM COMMON STOCK 742718109   2,705,192 16,673 SH   DFND   10,793 5,480 400
PROSPECT CAP CORP COM COMMON STOCK 74348T102   1,129 205 SH   SOLE   205 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102   36,628 312 SH   SOLE   312 0 0
PUBLIC SVC ENTERPRISE GROUP COM COMMON STOCK 744573106   17,626 264 SH   SOLE   264 0 0
PUBLIC SVC ENTERPRISE GROUP COM COMMON STOCK 744573106   26,708 400 SH   DFND   400 0 0
QUALCOMM INC COM COMMON STOCK 747525103   2,220,021 13,113 SH   SOLE   13,113 0 0
QUALCOMM INC COM COMMON STOCK 747525103   218,904 1,293 SH   DFND   1,293 0 0
RAYTHEON TECHNOLOGIES CORP COM COMMON STOCK 75513E101   129,713 1,330 SH   SOLE   1,330 0 0
RAYTHEON TECHNOLOGIES CORP COM COMMON STOCK 75513E101   829,005 8,500 SH   DFND   8,500 0 0
REGIONS FINANCIAL CORP NEW COMMON STOCK 7591EP100   11,987 570 SH   SOLE   570 0 0
RESIDEO TECHNOLOGIES INC COM COMMON STOCK 76118Y104   358 16 SH   DFND   0 16 0
SHELL PLC SPON ADS COMMON STOCK 780259305   211,176 3,150 SH   DFND   400 2,750 0
GOLD TRUST MUTUAL FUNDS-ETF EQUITIES 78463V107   102,860 500 SH   SOLE   500 0 0
SPDR INDEX SHS FDS S&P INTL ETF MUTUAL FUNDS-ETF EQUITIES 78463X772   28,111 800 SH   SOLE   800 0 0
SANOFI AVENTIS SPONSORED ADR FOREIGN EQUITIES 80105N105   9,718 200 SH   SOLE   200 0 0
SCHLUMBERGER LTD COM COMMON STOCK 806857108   183,279 3,344 SH   SOLE   2,944 0 400
SCHLUMBERGER LTD COM COMMON STOCK 806857108   19,183 350 SH   DFND   150 200 0
SCHWAB STRATEGIC TR US BRD MKT ETF MUTUAL FUNDS-ETF EQUITIES 808524102   140,392 2,300 SH   SOLE   2,300 0 0
SPDR MATERIALS COMMON STOCK 81369Y100   852,161 9,174 SH   SOLE   8,963 211 0
SPDR HEALTH CARE COMMON STOCK 81369Y209   314,219 2,127 SH   SOLE   2,007 120 0
SPDR HEALTH CARE COMMON STOCK 81369Y209   14,329 97 SH   DFND   97 0 0
SPDR STAPLES COMMON STOCK 81369Y308   9,086 119 SH   SOLE   119 0 0
SPDR DISCRETIONARY COMMON STOCK 81369Y407   336,701 1,831 SH   SOLE   1,831 0 0
SPDR DISCRETIONARY COMMON STOCK 81369Y407   18,389 100 SH   DFND   100 0 0
SPDR ENERGY COMMON STOCK 81369Y506   956,644 10,134 SH   SOLE   7,207 2,927 0
SPDR ENERGY COMMON STOCK 81369Y506   51,920 550 SH   DFND   425 125 0
SPDR FINANCIALS COMMON STOCK 81369Y605   222,129 5,275 SH   SOLE   5,275 0 0
SPDR FINANCIALS COMMON STOCK 81369Y605   21,055 500 SH   DFND   500 0 0
SPDR INDUSTRIALS COMMON STOCK 81369Y704   45,091 358 SH   SOLE   358 0 0
SPDR TECHNOLOGY COMMON STOCK 81369Y803   986,362 4,736 SH   SOLE   4,736 0 0
SPDR COMMUNICATION COMMON STOCK 81369Y852   1,372,772 16,813 SH   SOLE   15,324 1,489 0
SPDR COMMUNICATION COMMON STOCK 81369Y852   16,330 200 SH   DFND   200 0 0
SPDR REAL ESTATE COMMON STOCK 81369Y860   99,194 2,510 SH   SOLE   2,510 0 0
SPDR UTILITIES COMMON STOCK 81369Y886   1,411,071 21,494 SH   SOLE   18,878 2,616 0
SNDL INC COM COMMON STOCK 83307B101   200 100 SH   SOLE   100 0 0
SOUTHERN CO COM COMMON STOCK 842587107   862,810 12,027 SH   SOLE   11,027 300 700
SOUTHERN CO COM COMMON STOCK 842587107   645,660 9,000 SH   DFND   8,800 200 0
SOUTHWESTERN ENERGY COMMON STOCK 845467109   7,580 1,000 SH   SOLE   1,000 0 0
SPROTT PHYSICAL SILVER TR TR UNIT COMMON STOCK 85207K107   41,450 5,000 SH   DFND   5,000 0 0
STARBUCKS CORP COM COMMON STOCK 855244109   82,705 905 SH   SOLE   705 200 0
STARBUCKS CORP COM COMMON STOCK 855244109   228,475 2,500 SH   DFND   2,500 0 0
STATE STR CORP COM COMMON STOCK 857477103   140,544 1,818 SH   SOLE   1,818 0 0
STATE STR CORP COM COMMON STOCK 857477103   15,462 200 SH   DFND   200 0 0
SUNCOR ENERGY INC NEW COM FOREIGN EQUITIES 867224107   33,688 913 SH   SOLE   913 0 0
SYNCHRONY FINANCIAL COM COMMON STOCK 87165B103   10,777 250 SH   SOLE   250 0 0
SYSCO CORP COM COMMON STOCK 871829107   185,333 2,283 SH   SOLE   1,983 300 0
SYSCO CORP COM COMMON STOCK 871829107   40,590 500 SH   DFND   0 500 0
TJX COMPANIES COMMON STOCK 872540109   20,284 200 SH   SOLE   0 0 200
TAIWAN SEMICONDUCTOR ADR FOREIGN EQUITIES 874039100   6,802 50 SH   SOLE   50 0 0
TARGET CORP COMMON STOCK 87612E106   917,579 5,178 SH   SOLE   4,618 489 71
TELEDYNE TECHNOLOGIES INC COMMON STOCK 879360105   15,884 37 SH   SOLE   37 0 0
TESLA MOTORS, INC COMMON STOCK 88160R101   7,910 45 SH   SOLE   45 0 0
THERMO FISCHER SCIENTIFIC COMMON STOCK 883556102   703,257 1,210 SH   SOLE   1,095 115 0
3M CO COMMON STOCK 88579Y101   370,706 3,495 SH   SOLE   3,395 0 100
3M CO COMMON STOCK 88579Y101   26,517 250 SH   DFND   0 250 0
TRACTOR SUPPLY CO COM COMMON STOCK 892356106   19,889 76 SH   SOLE   76 0 0
TRAVELERS COMPANIES INC COM COMMON STOCK 89417E109   71,112 309 SH   SOLE   309 0 0
TRUIST FINL CORP COM COMMON STOCK 89832Q109   22,134 568 SH   SOLE   568 0 0
US BANCORP DEL COMMON STOCK 902973304   275,394 6,161 SH   SOLE   5,861 300 0
US BANCORP DEL COMMON STOCK 902973304   35,760 800 SH   DFND   800 0 0
UNION PAC CORP COM COMMON STOCK 907818108   2,039,005 8,291 SH   SOLE   8,291 0 0
UNITED PARCEL SERVICE INC CL B COMMON STOCK 911312106   635,383 4,275 SH   SOLE   3,693 390 192
UNITED PARCEL SERVICE INC CL B COMMON STOCK 911312106   96,609 650 SH   DFND   650 0 0
UNITED STATES STL CORP NEW COM COMMON STOCK 912909108   2,527 62 SH   SOLE   62 0 0
VANECK VECTORS ETF TR GOLD MINERS ETF COMMON STOCK 92189F106   63,220 2,000 SH   DFND   2,000 0 0
VANGUARD TOTAL INTL STOCK VG TL INTL STK F MUTUAL FUNDS-ETF EQUITIES 921909768   1,234,488 20,476 SH   SOLE   20,476 0 0
VANGUARD TOTAL INTL STOCK VG TL INTL STK F MUTUAL FUNDS-ETF EQUITIES 921909768   33,821 561 SH   DFND   561 0 0
VANGUARD B SHORT TERM BOND MUTUAL FUNDS-ETF FIXED INCOME 921937827   47,918 625 SH   DFND   0 625 0
VANGUARD BD INDEX FD INC TOTAL BD MARKET MUTUAL FUNDS-ETF FIXED INCOME 921937835   44,957 619 SH   DFND   0 619 0
VANGUARD FTSE DEVELOPED MARKET ETF MUTUAL FUNDS-ETF EQUITIES 921943858   11,737 234 SH   SOLE   234 0 0
VANGUARD INFORMATION TECH ETF MUTUAL FUNDS-ETF EQUITIES 92204A702   103,817 198 SH   SOLE   198 0 0
VANGUARD INTL EQUITY INDEX FALLWRLD EX US MUTUAL FUNDS-ETF EQUITIES 922042775   7,038 120 SH   SOLE   120 0 0
VANGUARD EMERGING MARKETS ETF MUTUAL FUNDS-ETF EQUITIES 922042858   58,478 1,400 SH   SOLE   1,400 0 0
VANGUARD EMERGING MARKETS ETF MUTUAL FUNDS-ETF EQUITIES 922042858   12,405 297 SH   DFND   297 0 0
VANGUARD 500 INDEX FUND MUTUAL FUNDS-ETF EQUITIES 922908363   845,067 1,758 SH   SOLE   1,758 0 0
VANGUARD 500 INDEX FUND MUTUAL FUNDS-ETF EQUITIES 922908363   76,910 160 SH   DFND   160 0 0
VANGUARD REAL ESTATE COMMON STOCK 922908553   1,107,579 12,809 SH   SOLE   11,380 1,162 267
VANGUARD REAL ESTATE COMMON STOCK 922908553   123,218 1,425 SH   DFND   1,170 255 0
VANGUARD MID CAP ETF MUTUAL FUNDS-ETF EQUITIES 922908629   858,761 3,437 SH   SOLE   3,307 130 0
VANGUARD MID CAP ETF MUTUAL FUNDS-ETF EQUITIES 922908629   39,476 158 SH   DFND   58 100 0
VANGUARD INDEX FDS EXTEND MKT ETF MUTUAL FUNDS-ETF EQUITIES 922908652   1,460,862 8,335 SH   SOLE   8,335 0 0
VANGUARD INDEX FDS EXTEND MKT ETF MUTUAL FUNDS-ETF EQUITIES 922908652   16,123 92 SH   DFND   92 0 0
VANGUARD GROWTH ETF MUTUAL FUNDS-ETF EQUITIES 922908736   592,022 1,720 SH   SOLE   1,720 0 0
VANGUARD VALUE ETF MUTUAL FUNDS-ETF EQUITIES 922908744   514,474 3,159 SH   SOLE   3,159 0 0
VANGUARD SMALL CAP ETF MUTUAL FUNDS-ETF EQUITIES 922908751   2,065,524 9,036 SH   SOLE   8,902 134 0
VANGUARD SMALL CAP ETF MUTUAL FUNDS-ETF EQUITIES 922908751   81,832 358 SH   DFND   258 100 0
VERALTO CORP COM SHS COMMON STOCK 92338C103   2,304 26 SH   DFND   26 0 0
VERIZON COMMUNICATIONS COM COMMON STOCK 92343V104   1,506,650 35,916 SH   SOLE   33,024 1,792 1,100
VERIZON COMMUNICATIONS COM COMMON STOCK 92343V104   380,273 9,065 SH   DFND   3,096 3,469 2,500
VIATRIS INC COM COMMON STOCK 92556V106   31,900 2,672 SH   SOLE   2,672 0 0
VIATRIS INC COM COMMON STOCK 92556V106   12,125 1,016 SH   DFND   421 533 62
VISA CLASS A COMMON STOCK 92826C839   519,063 1,860 SH   SOLE   1,860 0 0
VISA CLASS A COMMON STOCK 92826C839   585,209 2,097 SH   DFND   1,997 100 0
VIRTUS CONVERTIBLE & INCOME COM MUTUAL FUNDS-ETF EQUITIES 92838X102   9,420 2,829 SH   SOLE   2,829 0 0
VODAFONE GROUP PLC FOREIGN EQUITIES 92857W308   251,286 28,235 SH   SOLE   28,235 0 0
VODAFONE GROUP PLC FOREIGN EQUITIES 92857W308   124,884 14,032 SH   DFND   14,032 0 0
WEC ENERGY GROUP INC COM COMMON STOCK 92939U106   26,771 326 SH   SOLE   326 0 0
WK KELLOGG CO COM SHS COMMON STOCK 92942W107   2,348 125 SH   SOLE   0 0 125
WK KELLOGG CO COM SHS COMMON STOCK 92942W107   7,046 375 SH   DFND   375 0 0
WABTEC CORP COM COMMON STOCK 929740108   291 2 SH   SOLE   2 0 0
WABTEC CORP COM COMMON STOCK 929740108   4,950 34 SH   DFND   11 23 0
WAL MART STORES INC COM COMMON STOCK 931142103   866,560 14,402 SH   SOLE   14,402 0 0
WAL MART STORES INC COM COMMON STOCK 931142103   144,408 2,400 SH   DFND   2,400 0 0
WALGREENS BOOTS ALLIANCE COMMON STOCK 931427108   15,718 725 SH   SOLE   725 0 0
WALGREENS BOOTS ALLIANCE COMMON STOCK 931427108   2,168 100 SH   DFND   0 100 0
WARNER BROS DISCOVERY INC COM SER A COMMON STOCK 934423104   7,419 850 SH   SOLE   850 0 0
WARNER BROS DISCOVERY INC COM SER A COMMON STOCK 934423104   3,569 409 SH   DFND   72 337 0
WASTE MANAGEMENT INC NEW COMMON STOCK 94106L109   703,811 3,302 SH   SOLE   3,247 55 0
WELLS FARGO & CO NEW COM COMMON STOCK 949746101   841,716 14,525 SH   SOLE   13,425 1,100 0
WELLS FARGO & CO NEW COM COMMON STOCK 949746101   74,523 1,286 SH   DFND   1,286 0 0
WEYERHAEUSER CO COM COMMON STOCK 962166104   33,889 944 SH   SOLE   944 0 0
WEYERHAEUSER CO COM COMMON STOCK 962166104   50,260 1,400 SH   DFND   0 1,400 0
XCEL ENERGY INC COMMON STOCK 98389B100   182,750 3,400 SH   SOLE   3,400 0 0
XYLEM INC COMMON STOCK 98419M100   475,858 3,682 SH   SOLE   2,850 832 0
XYLEM INC COMMON STOCK 98419M100   154,700 1,197 SH   DFND   1,097 100 0
ZOETIS INC CL A COMMON STOCK 98978V103   231,474 1,368 SH   SOLE   1,332 36 0