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
ALLEGION PLC FOREIGN EQUITIES G0176J109   8,624 66 SH   SOLE   66 0 0
ACCENTURE LTD BERMUDA CL A FOREIGN EQUITIES G1151C101   179,054 509 SH   SOLE   509 0 0
ACCENTURE LTD BERMUDA CL A FOREIGN EQUITIES G1151C101   135,434 385 SH   DFND   215 170 0
EATON CORP PLC FOREIGN EQUITIES G29183103   139,046 419 SH   SOLE   301 118 0
LINDE PLC SHS FOREIGN EQUITIES G54950103   41,866 100 SH   SOLE   100 0 0
MEDTRONIC PLC ORDINARY COMMON STOCK G5960L103   313,527 3,925 SH   SOLE   3,925 0 0
MEDTRONIC PLC ORDINARY COMMON STOCK G5960L103   7,988 100 SH   DFND   100 0 0
TRANE TECHNOLOGIES PLC SHS FOREIGN EQUITIES G8994E103   73,868 200 SH   SOLE   200 0 0
ALCON INC ORD SHS COMMON STOCK H01301128   9,337 110 SH   SOLE   110 0 0
ALCON INC ORD SHS COMMON STOCK H01301128   6,112 72 SH   DFND   72 0 0
LYONDELLBASELL INDUSTRIES N.V. CL A FOREIGN EQUITIES N53745100   11,733 158 SH   SOLE   158 0 0
AT&T INC COM COMMON STOCK 00206R102   355,936 15,632 SH   SOLE   15,132 0 500
AT&T INC COM COMMON STOCK 00206R102   131,381 5,770 SH   DFND   2,330 3,440 0
ABBOTT LABS COM COMMON STOCK 002824100   1,119,770 9,900 SH   SOLE   8,773 1,127 0
ABBOTT LABS COM COMMON STOCK 002824100   377,559 3,338 SH   DFND   3,288 50 0
ABBVIE INC COMMON STOCK 00287Y109   2,668,503 15,017 SH   SOLE   14,034 683 300
ABBVIE INC COMMON STOCK 00287Y109   1,260,424 7,093 SH   DFND   6,523 570 0
ADOBE INC COM COMMON STOCK 00724F101   1,462,048 3,288 SH   SOLE   3,257 31 0
ADOBE INC COM COMMON STOCK 00724F101   72,481 163 SH   DFND   63 100 0
AGILENT TECHNOLOGIES INC COM COMMON STOCK 00846U101   10,344 77 SH   SOLE   77 0 0
AGILENT TECHNOLOGIES INC COM COMMON STOCK 00846U101   26,868 200 SH   DFND   0 200 0
AIR PRODUCT AND CHEMICALS INC COMMON STOCK 009158106   1,273,800 4,392 SH   SOLE   3,927 465 0
AIR PRODUCT AND CHEMICALS INC COMMON STOCK 009158106   807,733 2,785 SH   DFND   2,585 200 0
AIR TRANSPORT SERVICES GRP ICOM COMMON STOCK 00922R105   49,212 2,240 SH   SOLE   2,240 0 0
ALLSTATE CORP COM COMMON STOCK 020002101   19,279 100 SH   SOLE   100 0 0
ALNYLAM PHARMACEUTICALS INC COM COMMON STOCK 02043Q107   11,765 50 SH   SOLE   50 0 0
ALPHABET INC CAP STK CL C COMMON STOCK 02079K107   1,783,276 9,364 SH   SOLE   7,880 1,484 0
ALPHABET INC CAP STK CL C COMMON STOCK 02079K107   2,408,875 12,649 SH   DFND   12,200 449 0
ALPHABET INC CAP STK CL A COMMON STOCK 02079K305   2,486,251 13,134 SH   SOLE   12,831 103 200
ALPHABET INC CAP STK CL A COMMON STOCK 02079K305   339,792 1,795 SH   DFND   1,550 245 0
ALTRIA GROUP INC COMMON STOCK 02209S103   163,928 3,135 SH   SOLE   3,135 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103   175,171 3,350 SH   DFND   1,500 1,850 0
AMAZON COM INC COM COMMON STOCK 023135106   4,582,365 20,887 SH   SOLE   19,517 1,278 92
AMAZON COM INC COM COMMON STOCK 023135106   3,029,115 13,807 SH   DFND   13,305 502 0
AMERICAN ELEC PWR INC COM COMMON STOCK 025537101   256,860 2,785 SH   DFND   2,785 0 0
AMERICAN EXPRESS CO COM COMMON STOCK 025816109   2,927,123 9,863 SH   SOLE   8,783 1,080 0
AMERICAN EXPRESS CO COM COMMON STOCK 025816109   418,754 1,411 SH   DFND   1,035 376 0
AMERICAN INTL GROUP INC COM COMMON STOCK 026874784   582 8 SH   SOLE   8 0 0
AMERICAN WATER WORKS COMMON STOCK 030420103   380,439 3,056 SH   SOLE   2,868 188 0
AMERICAN WATER WORKS COMMON STOCK 030420103   101,209 813 SH   DFND   393 420 0
AMERIPRISE FINL INC COM COMMON STOCK 03076C106   332,762 625 SH   SOLE   625 0 0
AMGEN INC COM COMMON STOCK 031162100   749,301 2,875 SH   SOLE   2,597 278 0
AMGEN INC COM COMMON STOCK 031162100   514,744 1,975 SH   DFND   1,800 175 0
AMPLIFY ETF TR AMPLIFY ALTERNAT MUTUAL FUNDS-ETF EQUITIES 032108631   224 100 SH   SOLE   100 0 0
ANALOG DEVICES INC COMMON STOCK 032654105   1,807,803 8,509 SH   SOLE   7,540 969 0
ANALOG DEVICES INC COMMON STOCK 032654105   126,623 596 SH   DFND   405 191 0
APPLE COMPUTER INC COM COMMON STOCK 037833100   10,886,978 43,475 SH   SOLE   41,345 1,862 268
APPLE COMPUTER INC COM COMMON STOCK 037833100   2,209,704 8,824 SH   DFND   6,804 2,020 0
APPLIED MATLS INC COM COMMON STOCK 038222105   786,952 4,839 SH   SOLE   4,839 0 0
APPLIED MATLS INC COM COMMON STOCK 038222105   22,605 139 SH   DFND   139 0 0
ASTRAZENECA PLC SPONSORED ADR FOREIGN EQUITIES 046353108   5,045 77 SH   SOLE   77 0 0
AUTOMATIC DATA PROCESSING INCOM COMMON STOCK 053015103   750,826 2,565 SH   SOLE   2,565 0 0
AUTOMATIC DATA PROCESSING INCOM COMMON STOCK 053015103   58,544 200 SH   DFND   200 0 0
AUTOZONE INC COM COMMON STOCK 053332102   1,002,226 313 SH   SOLE   313 0 0
AUTOZONE INC COM COMMON STOCK 053332102   160,100 50 SH   DFND   50 0 0
BP PLC SPONSORED ADR COMMON STOCK 055622104   94,736 3,206 SH   SOLE   3,206 0 0
BP PLC SPONSORED ADR COMMON STOCK 055622104   63,325 2,143 SH   DFND   1,993 150 0
BANKAMERICA CORP NEW COMMON STOCK 060505104   33,312 758 SH   SOLE   758 0 0
BANK NEW YORK MELLON CORP COM COMMON STOCK 064058100   107,019 1,393 SH   SOLE   1,393 0 0
BAXTER INTL INC COM COMMON STOCK 071813109   58,300 2,000 SH   DFND   2,000 0 0
BERKSHIRE HATHAWAY B NEW COMMON STOCK 084670702   2,311,665 5,100 SH   SOLE   4,659 441 0
BERKSHIRE HATHAWAY B NEW COMMON STOCK 084670702   779,623 1,720 SH   DFND   1,654 66 0
BLACKROCK INC COM COMMON STOCK 09290D101   842,626 822 SH   SOLE   810 12 0
BLACKROCK INC COM COMMON STOCK 09290D101   717,570 700 SH   DFND   700 0 0
BOEING CO COM COMMON STOCK 097023105   1,381,662 7,806 SH   SOLE   7,782 24 0
BOEING CO COM COMMON STOCK 097023105   134,520 760 SH   DFND   760 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108   762,993 13,490 SH   SOLE   13,290 0 200
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108   380,987 6,736 SH   DFND   5,965 771 0
BROADCOM INC NPV COMMON STOCK 11135F101   8,564,854 36,943 SH   SOLE   33,233 3,710 0
BROADCOM INC NPV COMMON STOCK 11135F101   412,210 1,778 SH   DFND   1,128 650 0
CSX CORP COM COMMON STOCK 126408103   19,362 600 SH   SOLE   600 0 0
CVS/CAREMARK CORP COM COMMON STOCK 126650100   60,942 1,358 SH   SOLE   1,358 0 0
CVS/CAREMARK CORP COM COMMON STOCK 126650100   12,790 285 SH   DFND   0 285 0
CARRIER GLOBAL CORPORATION COM COMMON STOCK 14448C104   6,143 90 SH   SOLE   90 0 0
CARRIER GLOBAL CORPORATION COM COMMON STOCK 14448C104   375,430 5,500 SH   DFND   5,500 0 0
CATERPILLAR INC DEL COM COMMON STOCK 149123101   985,248 2,716 SH   SOLE   2,612 104 0
CATERPILLAR INC DEL COM COMMON STOCK 149123101   69,648 192 SH   DFND   145 47 0
CHARTER COMMUNICATIONS INC NCL A COMMON STOCK 16119P108   5,484 16 SH   SOLE   16 0 0
CHEMOURS CO COM COMMON STOCK 163851108   2,211 131 SH   SOLE   131 0 0
EXPAND ENERGY CORPORATION COM COMMON STOCK 165167735   8,561 86 SH   SOLE   86 0 0
CHEVRONTEXACO CORP COM COMMON STOCK 166764100   1,535,290 10,600 SH   SOLE   10,447 153 0
CHEVRONTEXACO CORP COM COMMON STOCK 166764100   891,344 6,154 SH   DFND   5,854 300 0
CISCO SYS INC COM COMMON STOCK 17275R102   2,062,811 34,845 SH   SOLE   32,846 1,849 150
CISCO SYS INC COM COMMON STOCK 17275R102   284,573 4,807 SH   DFND   2,387 2,420 0
CITIGROUP INC NEW COMMON STOCK 172967424   102,190 1,452 SH   SOLE   1,452 0 0
CITIGROUP INC NEW COMMON STOCK 172967424   3,519 50 SH   DFND   50 0 0
CLOROX COMPANY COMMON STOCK 189054109   12,180 75 SH   SOLE   75 0 0
COCA COLA CO COM COMMON STOCK 191216100   1,118,742 17,969 SH   SOLE   17,414 0 555
COCA COLA CO COM COMMON STOCK 191216100   166,981 2,682 SH   DFND   2,632 50 0
COINBASE GLOBAL INC COM CL A COMMON STOCK 19260Q107   24,830 100 SH   SOLE   100 0 0
COLGATE PALMOLIVE CO COM COMMON STOCK 194162103   76,355 840 SH   SOLE   840 0 0
COLGATE PALMOLIVE CO COM COMMON STOCK 194162103   363,600 4,000 SH   DFND   4,000 0 0
COMCAST CORP COMMON STOCK 20030N101   625,525 16,672 SH   SOLE   14,645 2,027 0
COMCAST CORP COMMON STOCK 20030N101   68,398 1,823 SH   DFND   1,823 0 0
COMMUNITY BANK SYSTEM INC COMMON STOCK 203607106   314,568 5,100 SH   SOLE   5,100 0 0
CONOCOPHILLIPS COM COMMON STOCK 20825C104   211,824 2,136 SH   SOLE   2,136 0 0
CONOCOPHILLIPS COM COMMON STOCK 20825C104   49,585 500 SH   DFND   500 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104   178 2 SH   SOLE   2 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104   44,615 500 SH   DFND   0 0 500
CONSTELLATION ENERGY CORP COM COMMON STOCK 21037T109   44,740 200 SH   SOLE   34 0 166
CONSTELLATION ENERGY CORP COM COMMON STOCK 21037T109   14,764 66 SH   DFND   66 0 0
CORTEVA INC COM COMMON STOCK 22052L104   130,294 2,288 SH   SOLE   2,085 0 203
CORTEVA INC COM COMMON STOCK 22052L104   209,399 3,677 SH   DFND   1,945 1,732 0
COSTCO WHSL CORP NEW COMMON STOCK 22160K105   888,773 970 SH   SOLE   857 113 0
COSTCO WHSL CORP NEW COMMON STOCK 22160K105   106,287 116 SH   DFND   116 0 0
DANAHER CORP COMMON STOCK 235851102   496,278 2,162 SH   SOLE   1,944 218 0
DANAHER CORP COMMON STOCK 235851102   18,364 80 SH   DFND   80 0 0
DEERE & CO COM COMMON STOCK 244199105   732,571 1,729 SH   SOLE   1,729 0 0
DEERE & CO COM COMMON STOCK 244199105   589,790 1,392 SH   DFND   1,343 49 0
DISNEY WALT CO COM DISNEY COMMON STOCK 254687106   367,332 3,299 SH   SOLE   3,299 0 0
DISNEY WALT CO COM DISNEY COMMON STOCK 254687106   58,458 525 SH   DFND   100 100 325
DISCOVER FINL SVCS COMMON STOCK 254709108   18,882 109 SH   SOLE   109 0 0
DOMINION RES INC VA NEW COM COMMON STOCK 25746U109   592,022 10,992 SH   SOLE   10,392 0 600
DOMINION RES INC VA NEW COM COMMON STOCK 25746U109   462,657 8,590 SH   DFND   7,690 900 0
DOW INC COM COMMON STOCK 260557103   107,780 2,686 SH   SOLE   2,483 0 203
DOW INC COM COMMON STOCK 260557103   147,554 3,677 SH   DFND   1,945 1,732 0
DUKE ENERGY HLDG CORP COMMON STOCK 26441C204   526,192 4,884 SH   SOLE   4,884 0 0
DUKE ENERGY HLDG CORP COMMON STOCK 26441C204   479,549 4,451 SH   DFND   4,385 66 0
DUPONT DE NEMOURS INC COM COMMON STOCK 26614N102   305,902 4,012 SH   SOLE   3,809 0 203
DUPONT DE NEMOURS INC COM COMMON STOCK 26614N102   265,116 3,477 SH   DFND   1,745 1,732 0
EASTMAN CHEMICAL CO COMMON STOCK 277432100   11,322 124 SH   SOLE   124 0 0
EATON VANCE INSURED MUNI BD FD MUTUAL FUNDS-ETF FIXED INCOME 27827X101   17,258 1,666 SH   SOLE   1,666 0 0
EBAY INC COM COMMON STOCK 278642103   25,275 408 SH   SOLE   408 0 0
ECOLAB INC COMMON STOCK 278865100   497,460 2,123 SH   SOLE   2,007 116 0
ECOLAB INC COMMON STOCK 278865100   51,549 220 SH   DFND   220 0 0
EMERSON ELEC CO COM COMMON STOCK 291011104   1,790,157 14,445 SH   SOLE   12,815 1,230 400
EMERSON ELEC CO COM COMMON STOCK 291011104   635,510 5,128 SH   DFND   3,552 1,576 0
ENBRIDGE INC COMMON STOCK 29250N105   879,301 20,724 SH   SOLE   20,442 282 0
ENBRIDGE INC COMMON STOCK 29250N105   418,738 9,869 SH   DFND   8,595 1,274 0
ENERGY TRANSFER EQUITY L P COM UNIT LTD PRTNERS PARTNERSHIPS 29273V100   35,105 1,792 SH   SOLE   1,792 0 0
ENTEGRIS INC COMMON STOCK 29362U104   19,812 200 SH   SOLE   200 0 0
ESSA BANCORP INC COM COMMON STOCK 29667D104   26,715 1,370 SH   SOLE   1,370 0 0
ESSENTIAL UTILS INC COM COMMON STOCK 29670G102   9,077 250 SH   DFND   250 0 0
EXELON CORP COM COMMON STOCK 30161N101   134,487 3,574 SH   SOLE   3,074 0 500
EXELON CORP COM COMMON STOCK 30161N101   22,578 600 SH   DFND   600 0 0
EXPEDITORS INTL WASH INC COMMON STOCK 302130109   221,429 1,999 SH   SOLE   1,147 852 0
EXPEDITORS INTL WASH INC COMMON STOCK 302130109   106,449 961 SH   DFND   350 611 0
EXXON MOBIL CORP COM COMMON STOCK 30231G102   2,315,098 21,522 SH   SOLE   21,328 94 100
EXXON MOBIL CORP COM COMMON STOCK 30231G102   1,604,081 14,912 SH   DFND   9,786 4,526 600
F N B CORP PA COMMON STOCK 302520101   856,308 57,937 SH   SOLE   57,937 0 0
FACEBOOK INC COMMON STOCK 30303M102   1,816,235 3,102 SH   SOLE   3,102 0 0
FACEBOOK INC COMMON STOCK 30303M102   143,448 245 SH   DFND   195 50 0
FASTENAL CO COM COMMON STOCK 311900104   2,020,737 28,105 SH   SOLE   24,128 3,177 800
FASTENAL CO COM COMMON STOCK 311900104   627,254 8,724 SH   DFND   7,701 1,023 0
FEDEX CORPORATION COMMON STOCK 31428X106   28,132 100 SH   SOLE   100 0 0
FIDELITY D & D BANCORP INC COM COMMON STOCK 31609R100   7,123 146 SH   SOLE   146 0 0
FORD MTR CO DEL COM PAR $0.01 COMMON STOCK 345370860   4,950 500 SH   SOLE   500 0 0
FREEPORTMCMORAN COPP CL B COMMON STOCK 35671D857   8,146 214 SH   SOLE   214 0 0
FREEPORTMCMORAN COPP CL B COMMON STOCK 35671D857   2,055 54 SH   DFND   54 0 0
GE HEALTHCARE TECHNOLOGIES ICOMMON STOCK COMMON STOCK 36266G107   22,435 287 SH   SOLE   287 0 0
GE HEALTHCARE TECHNOLOGIES ICOMMON STOCK COMMON STOCK 36266G107   1,172 15 SH   DFND   0 15 0
GARRETT MOTION INC COM COMMON STOCK 366505105   90 10 SH   DFND   0 10 0
GE VERNOVA INC COM COMMON STOCK 36828A101   71,044 216 SH   SOLE   216 0 0
GE VERNOVA INC COM COMMON STOCK 36828A101   49,994 152 SH   DFND   0 152 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108   121,727 462 SH   SOLE   462 0 0
GENERAL ELEC CO COM COMMON STOCK 369604301   222,159 1,332 SH   SOLE   1,332 0 0
GENERAL ELEC CO COM COMMON STOCK 369604301   111,747 670 SH   DFND   50 620 0
GENERAL MLS INC COM COMMON STOCK 370334104   529,345 8,301 SH   SOLE   7,573 728 0
GENERAL MLS INC COM COMMON STOCK 370334104   300,991 4,720 SH   DFND   4,020 700 0
GENERAL MOTORS CO COM COMMON STOCK 37045V100   10,654 200 SH   SOLE   200 0 0
GLAXOSMITHKLINE PLC SPONSORED ADR COMMON STOCK 37733W204   93,716 2,772 SH   SOLE   2,772 0 0
GLAXOSMITHKLINE PLC SPONSORED ADR COMMON STOCK 37733W204   2,704 80 SH   DFND   80 0 0
GLOBAL PAMENTS INC COMMON STOCK 37940X102   11,206 100 SH   SOLE   100 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104   2,150,705 3,756 SH   SOLE   3,571 185 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104   146,013 255 SH   DFND   200 55 0
HALEON PLC SPON ADS FOREIGN EQUITIES 405552100   954 100 SH   DFND   100 0 0
HASBRO INC COM COMMON STOCK 418056107   12,185 218 SH   SOLE   218 0 0
HERSHEY FOODS CORP COM COMMON STOCK 427866108   72,649 429 SH   SOLE   429 0 0
HOME DEPOT INC COM COMMON STOCK 437076102   2,205,107 5,669 SH   SOLE   5,218 451 0
HOME DEPOT INC COM COMMON STOCK 437076102   90,242 232 SH   DFND   232 0 0
HONEYWELL INTL INC COM COMMON STOCK 438516106   619,161 2,741 SH   SOLE   2,741 0 0
HONEYWELL INTL INC COM COMMON STOCK 438516106   22,589 100 SH   DFND   0 100 0
INDEXIQ ETF TR HEDGE MLTI ETF ETF- ALTERNATIVE 45409B107   24,335 775 SH   SOLE   775 0 0
INGERSOLL RAND INC COM COMMON STOCK 45687V106   15,920 176 SH   SOLE   176 0 0
INTEL CORP COM COMMON STOCK 458140100   40,841 2,038 SH   SOLE   1,638 0 400
INTEL CORP COM COMMON STOCK 458140100   84,127 4,198 SH   DFND   3,798 400 0
INTERNATIONAL BUSINESS MACHSCOM COMMON STOCK 459200101   477,246 2,171 SH   SOLE   2,171 0 0
INTERNATIONAL BUSINESS MACHSCOM COMMON STOCK 459200101   450,210 2,048 SH   DFND   0 2,048 0
INTUITIVE SURGICAL INC. COMMON STOCK 46120E602   13,048 25 SH   SOLE   25 0 0
INVESCO EXCHANGE TRADED FD TS&P500 EQL WGT ETF EQUITIES 46137V357   331,881 1,894 SH   SOLE   1,894 0 0
INVESCO EX PFD ETF MUTUAL FUNDS-ETF EQUITIES 46138E511   46,119 4,000 SH   SOLE   4,000 0 0
ISHARES MSCI PAC JP ETF MUTUAL FUNDS-EQUITIES 464286665   2,190 50 SH   SOLE   50 0 0
ISHARES S&P 100 MUTUAL FUNDS-EQUITIES 464287101   14,442 50 SH   SOLE   50 0 0
I SHARES TR DJ SLECT DIV INDEX ETF EQUITIES 464287168   91,375 696 SH   SOLE   696 0 0
ISHARES S&P 500 INDEX MUTUAL FUNDS-ETF EQUITIES 464287200   2,164,529 3,677 SH   SOLE   3,677 0 0
ISHARES S&P 500 INDEX MUTUAL FUNDS-ETF EQUITIES 464287200   5,298 9 SH   DFND   0 9 0
ISHARES TR MSCI EAFE INDEX MUTUAL FUNDS-ETF EQUITIES 464287465   499,925 6,612 SH   SOLE   6,612 0 0
ISHARES TR MSCI EAFE INDEX MUTUAL FUNDS-ETF EQUITIES 464287465   218,814 2,894 SH   DFND   787 2,107 0
ISHARES TR RUS MD CP GR ETF ETF EQUITIES 464287481   12,548 99 SH   SOLE   99 0 0
ISHARES RUSSELL MID-CAP ETF MUTUAL FUNDS-EQUITIES 464287499   26,520 300 SH   SOLE   300 0 0
ISHARES RUSSELL 1000 VALUE ETF EQUITIES 464287598   34,249 185 SH   SOLE   185 0 0
ISHARES RUSSELL 1000 GROWTH ETF EQUITIES 464287614   52,204 130 SH   SOLE   130 0 0
ISHARES S&P 600 INDEX MUTUAL FUNDS-ETF EQUITIES 464287804   28,804 250 SH   SOLE   250 0 0
ISHARES TR US TREAS BD ETF MUTUAL FUNDS-ETF FIXED INCOME 46429B267   14,218 619 SH   SOLE   619 0 0
J P MORGAN CHASE & CO COM COMMON STOCK 46625H100   3,574,293 14,911 SH   SOLE   13,752 1,159 0
J P MORGAN CHASE & CO COM COMMON STOCK 46625H100   407,985 1,702 SH   DFND   1,393 309 0
JOHNSON & JOHNSON COM COMMON STOCK 478160104   2,288,018 15,821 SH   SOLE   15,068 753 0
JOHNSON & JOHNSON COM COMMON STOCK 478160104   617,961 4,273 SH   DFND   3,650 623 0
KELLOGG CO COM COMMON STOCK 487836108   40,485 500 SH   SOLE   0 0 500
KELLOGG CO COM COMMON STOCK 487836108   121,455 1,500 SH   DFND   1,500 0 0
KIMBERLY CLARK CORP COM COMMON STOCK 494368103   225,779 1,723 SH   SOLE   1,723 0 0
KIMBERLY CLARK CORP COM COMMON STOCK 494368103   441,866 3,372 SH   DFND   3,372 0 0
KINDER MORGAN INC (DE) CLASS P COMMON STOCK 49456B101   27 1 SH   SOLE   1 0 0
KRAFT HEINZ CO COM COMMON STOCK 500754106   108,463 3,533 SH   SOLE   3,533 0 0
KRAFT HEINZ CO COM COMMON STOCK 500754106   32,112 1,046 SH   DFND   646 400 0
KYNDRYL HLDGS INC COMMON STOCK COMMON STOCK 50155Q100   795 23 SH   SOLE   23 0 0
KYNDRYL HLDGS INC COMMON STOCK COMMON STOCK 50155Q100   345 10 SH   DFND   0 10 0
LILLY ELI & CO COM COMMON STOCK 532457108   5,036,528 6,524 SH   SOLE   6,019 330 175
LILLY ELI & CO COM COMMON STOCK 532457108   5,331,432 6,906 SH   DFND   5,340 1,566 0
LITTLEFUSE INC COMMON STOCK 537008104   8,954 38 SH   SOLE   38 0 0
LOCKHEED MARTIN CORP COM COMMON STOCK 539830109   1,026,293 2,112 SH   SOLE   2,094 18 0
LOCKHEED MARTIN CORP COM COMMON STOCK 539830109   77,749 160 SH   DFND   160 0 0
LOWES COS INC COM COMMON STOCK 548661107   447,448 1,813 SH   SOLE   1,413 0 400
LOWES COS INC COM COMMON STOCK 548661107   222,120 900 SH   DFND   500 400 0
LUCID GROUP INC COM COMMON STOCK 549498103   1,204 400 SH   SOLE   400 0 0
LULULEMON ATHLETICA COMMON STOCK 550021109   76,480 200 SH   SOLE   200 0 0
MANNKIND CORPORATION COMMON STOCK 56400P706   1,395 217 SH   DFND   217 0 0
MARATHON PETROLEUM CORP COMMON STOCK 56585A102   272,025 1,950 SH   SOLE   1,950 0 0
MASTERCARD INCORPORATED COMMON STOCK 57636Q104   2,549,632 4,842 SH   SOLE   4,365 477 0
MASTERCARD INCORPORATED COMMON STOCK 57636Q104   1,109,480 2,107 SH   DFND   1,369 738 0
MCDONALDS CORP COM COMMON STOCK 580135101   4,736,621 16,340 SH   SOLE   15,765 575 0
MCDONALDS CORP COM COMMON STOCK 580135101   407,568 1,406 SH   DFND   1,187 219 0
MCKESSON CORP COMMON STOCK 58155Q103   56,990 100 SH   SOLE   100 0 0
MERCK & CO INC NEW COMMON STOCK 58933Y105   1,626,394 16,349 SH   SOLE   15,999 0 350
MERCK & CO INC NEW COMMON STOCK 58933Y105   617,470 6,207 SH   DFND   5,577 630 0
MICROSOFT CORP COMMON STOCK 594918104   7,772,870 18,441 SH   SOLE   17,331 991 119
MICROSOFT CORP COMMON STOCK 594918104   2,107,498 5,000 SH   DFND   3,385 1,615 0
MICROCHIP TECHNOLOGY INC COM COMMON STOCK 595017104   1,588,074 27,696 SH   SOLE   24,351 2,645 700
MICROCHIP TECHNOLOGY INC COM COMMON STOCK 595017104   381,022 6,645 SH   DFND   5,423 1,222 0
MICROVAST HOLDINGS INC COM COMMON STOCK 59516C106   1,030 500 SH   SOLE   500 0 0
MONDELEZ INTL INC COMMON STOCK 609207105   462,644 7,747 SH   SOLE   7,323 0 424
MONDELEZ INTL INC COMMON STOCK 609207105   527,743 8,837 SH   DFND   7,870 967 0
MORGAN STANLEY DEAN WITTER DISCOVER & CO COMMON STOCK 617446448   1,333,374 10,606 SH   SOLE   10,058 548 0
MORGAN STANLEY DEAN WITTER DISCOVER & CO COMMON STOCK 617446448   26,275 209 SH   DFND   107 102 0
NBT BANCORP INC COM COMMON STOCK 628778102   716,250 15,000 SH   SOLE   15,000 0 0
NETFLIX INC COM COMMON STOCK 64110L106   10,695 12 SH   SOLE   12 0 0
NEW YORK TIMES CO CL A COMMON STOCK 650111107   31,224 600 SH   SOLE   600 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101   695,749 9,705 SH   SOLE   9,705 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101   1,227,117 17,117 SH   DFND   14,917 2,200 0
NIKE INC CL B COMMON STOCK 654106103   766,445 10,129 SH   SOLE   9,146 983 0
NIKE INC CL B COMMON STOCK 654106103   97,461 1,288 SH   DFND   1,288 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108   635,562 2,708 SH   SOLE   2,672 36 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108   76,277 325 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   103,537 1,064 SH   SOLE   864 0 200
NOVARTIS AG COMMON STOCK 66987V109   99,255 1,020 SH   DFND   1,020 0 0
NOVO-NORDISK A S ADR COMMON STOCK 670100205   615,709 7,158 SH   SOLE   6,781 377 0
NOVO-NORDISK A S ADR COMMON STOCK 670100205   111,051 1,291 SH   DFND   891 400 0
NUCOR CORP COMMON STOCK 670346105   37,930 325 SH   SOLE   325 0 0
NVIDIA CORP COM COMMON STOCK 67066G104   101,791 758 SH   SOLE   758 0 0
NVIDIA CORP COM COMMON STOCK 67066G104   3,357 25 SH   DFND   25 0 0
NUVEEN REAL ESTATE INCOME FD MUTUAL FUNDS-ETF FIXED INCOME 67071B108   1,725 200 SH   SOLE   200 0 0
OREILLY AUTOMOTIVE INC COM COMMON STOCK 67103H107   118,579 100 SH   DFND   100 0 0
OCCIDENTAL PETE CORP DEL COM COMMON STOCK 674599105   93,661 1,896 SH   SOLE   1,896 0 0
OCCIDENTAL PETE CORP DEL COM COMMON STOCK 674599105   19,760 400 SH   DFND   0 400 0
OPAL FUELS INC CLASS A COM COMMON STOCK 68347P103   1,695 500 SH   SOLE   500 0 0
ORACLE CORP COM COMMON STOCK 68389X105   2,045,169 12,273 SH   SOLE   10,540 1,733 0
ORACLE CORP COM COMMON STOCK 68389X105   120,313 722 SH   DFND   222 500 0
OTIS WORLDWIDE CORP COM COMMON STOCK 68902V107   3,704 40 SH   SOLE   40 0 0
PNC FINL SVCS GROUP INC COM COMMON STOCK 693475105   952,097 4,937 SH   SOLE   4,637 0 300
PNC FINL SVCS GROUP INC COM COMMON STOCK 693475105   588,191 3,050 SH   DFND   0 3,050 0
PPG INDS INC COM COMMON STOCK 693506107   44,435 372 SH   SOLE   372 0 0
PPG INDS INC COM COMMON STOCK 693506107   47,780 400 SH   DFND   0 400 0
PPL CORP, COM COMMON STOCK 69351T106   717,594 22,114 SH   SOLE   21,414 0 700
PPL CORP, COM COMMON STOCK 69351T106   6,490 200 SH   DFND   0 200 0
PAYCHEX INC COM COMMON STOCK 704326107   46,411 331 SH   SOLE   331 0 0
PAYPAL HLDGS INC COM COMMON STOCK 70450Y103   275,495 3,228 SH   SOLE   3,228 0 0
PAYPAL HLDGS INC COM COMMON STOCK 70450Y103   68,280 800 SH   DFND   800 0 0
PEOPLES FINL SVCS CORP COMMON STOCK 711040105   9,705,046 189,626 SH   SOLE   76,403 0 113,223
PEOPLES FINL SVCS CORP COMMON STOCK 711040105   1,057,838 20,669 SH   DFND   155 20,514 0
PEPSICO INC COM COMMON STOCK 713448108   1,318,042 8,668 SH   SOLE   7,996 672 0
PEPSICO INC COM COMMON STOCK 713448108   243,143 1,599 SH   DFND   690 909 0
PFIZER INC COM COMMON STOCK 717081103   756,768 28,536 SH   SOLE   28,536 0 0
PFIZER INC COM COMMON STOCK 717081103   402,994 15,196 SH   DFND   11,470 3,726 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109   214,101 1,779 SH   SOLE   1,779 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109   341,794 2,840 SH   DFND   1,240 1,600 0
PHILLIPS 66 COMMON STOCK 718546104   350,334 3,075 SH   SOLE   3,075 0 0
PHILLIPS 66 COMMON STOCK 718546104   113,930 1,000 SH   DFND   1,000 0 0
PROCTER & GAMBLE CO COM COMMON STOCK 742718109   3,180,635 18,972 SH   SOLE   17,974 798 200
PROCTER & GAMBLE CO COM COMMON STOCK 742718109   1,935,851 11,547 SH   DFND   5,757 5,490 300
PROSPECT CAP CORP COM COMMON STOCK 74348T102   881 205 SH   SOLE   205 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102   36,980 312 SH   SOLE   312 0 0
PUBLIC SVC ENTERPRISE GROUP COM COMMON STOCK 744573106   22,304 264 SH   SOLE   264 0 0
PUBLIC SVC ENTERPRISE GROUP COM COMMON STOCK 744573106   33,796 400 SH   DFND   400 0 0
QUALCOMM INC COM COMMON STOCK 747525103   1,660,312 10,808 SH   SOLE   10,808 0 0
QUALCOMM INC COM COMMON STOCK 747525103   195,864 1,275 SH   DFND   1,275 0 0
RAYTHEON TECHNOLOGIES CORP COM COMMON STOCK 75513E101   147,426 1,274 SH   SOLE   1,274 0 0
RAYTHEON TECHNOLOGIES CORP COM COMMON STOCK 75513E101   636,460 5,500 SH   DFND   5,500 0 0
REGIONS FINANCIAL CORP NEW COMMON STOCK 7591EP100   13,406 570 SH   SOLE   570 0 0
SHELL PLC SPON ADS COMMON STOCK 780259305   197,347 3,150 SH   DFND   400 2,750 0
GOLD TRUST MUTUAL FUNDS-ETF EQUITIES 78463V107   121,065 500 SH   SOLE   500 0 0
SPDR INDEX SHS FDS S&P INTL ETF MUTUAL FUNDS-ETF EQUITIES 78463X772   27,959 800 SH   SOLE   800 0 0
SANOFI AVENTIS SPONSORED ADR FOREIGN EQUITIES 80105N105   9,644 200 SH   SOLE   200 0 0
SCHLUMBERGER LTD COM COMMON STOCK 806857108   119,388 3,114 SH   SOLE   2,714 0 400
SCHLUMBERGER LTD COM COMMON STOCK 806857108   8,204 214 SH   DFND   150 64 0
SCHWAB STRATEGIC TR US BRD MKT ETF MUTUAL FUNDS-ETF EQUITIES 808524102   136,200 6,000 SH   SOLE   6,000 0 0
SPDR MATERIALS COMMON STOCK 81369Y100   727,973 8,652 SH   SOLE   8,477 175 0
SPDR HEALTH CARE COMMON STOCK 81369Y209   312,281 2,270 SH   SOLE   2,157 113 0
SPDR HEALTH CARE COMMON STOCK 81369Y209   12,794 93 SH   DFND   93 0 0
SPDR STAPLES COMMON STOCK 81369Y308   16,978 216 SH   SOLE   216 0 0
SPDR DISCRETIONARY COMMON STOCK 81369Y407   294,794 1,314 SH   SOLE   1,314 0 0
SPDR DISCRETIONARY COMMON STOCK 81369Y407   16,826 75 SH   DFND   75 0 0
SPDR ENERGY COMMON STOCK 81369Y506   832,252 9,717 SH   SOLE   7,002 2,715 0
SPDR ENERGY COMMON STOCK 81369Y506   47,107 550 SH   DFND   425 125 0
SPDR FINANCIALS COMMON STOCK 81369Y605   243,340 5,035 SH   SOLE   5,035 0 0
SPDR FINANCIALS COMMON STOCK 81369Y605   24,165 500 SH   DFND   500 0 0
SPDR INDUSTRIALS COMMON STOCK 81369Y704   45,191 343 SH   SOLE   343 0 0
SPDR TECHNOLOGY COMMON STOCK 81369Y803   881,944 3,793 SH   SOLE   3,793 0 0
SPDR COMMUNICATION COMMON STOCK 81369Y852   1,384,759 14,304 SH   SOLE   12,931 1,373 0
SPDR COMMUNICATION COMMON STOCK 81369Y852   9,681 100 SH   DFND   100 0 0
SPDR REAL ESTATE COMMON STOCK 81369Y860   101,934 2,507 SH   SOLE   2,507 0 0
SPDR UTILITIES COMMON STOCK 81369Y886   1,527,943 20,187 SH   SOLE   17,771 2,416 0
SNDL INC COM COMMON STOCK 83307B101   178 100 SH   SOLE   100 0 0
SOLVENTUM CORP COM SHS COMMON STOCK 83444M101   9,048 137 SH   SOLE   137 0 0
SOLVENTUM CORP COM SHS COMMON STOCK 83444M101   792 12 SH   DFND   0 12 0
SOUTHERN CO COM COMMON STOCK 842587107   870,090 10,571 SH   SOLE   10,033 188 350
SOUTHERN CO COM COMMON STOCK 842587107   739,143 8,980 SH   DFND   8,780 200 0
SPROTT PHYSICAL SILVER TR TR UNIT COMMON STOCK 85207K107   48,250 5,000 SH   DFND   5,000 0 0
STARBUCKS CORP COM COMMON STOCK 855244109   81,485 893 SH   SOLE   705 188 0
STARBUCKS CORP COM COMMON STOCK 855244109   228,125 2,500 SH   DFND   2,500 0 0
STATE STR CORP COM COMMON STOCK 857477103   145,845 1,486 SH   SOLE   1,486 0 0
STATE STR CORP COM COMMON STOCK 857477103   18,648 190 SH   DFND   190 0 0
SUNCOR ENERGY INC NEW COM FOREIGN EQUITIES 867224107   32,575 913 SH   SOLE   913 0 0
SYNCHRONY FINANCIAL COM COMMON STOCK 87165B103   16,250 250 SH   SOLE   250 0 0
SYSCO CORP COM COMMON STOCK 871829107   99,626 1,303 SH   SOLE   1,021 282 0
SYSCO CORP COM COMMON STOCK 871829107   24,390 319 SH   DFND   0 319 0
TJX COMPANIES COMMON STOCK 872540109   24,162 200 SH   SOLE   0 0 200
TARGET CORP COMMON STOCK 87612E106   644,389 4,767 SH   SOLE   4,316 451 0
TELEDYNE TECHNOLOGIES INC COMMON STOCK 879360105   17,172 37 SH   SOLE   37 0 0
TESLA MOTORS, INC COMMON STOCK 88160R101   18,172 45 SH   SOLE   45 0 0
THERMO FISCHER SCIENTIFIC COMMON STOCK 883556102   584,201 1,123 SH   SOLE   1,018 105 0
3M CO COMMON STOCK 88579Y101   380,292 2,946 SH   SOLE   2,846 0 100
3M CO COMMON STOCK 88579Y101   6,454 50 SH   DFND   0 50 0
TRACTOR SUPPLY CO COM COMMON STOCK 892356106   18,835 355 SH   SOLE   355 0 0
TRAVELERS COMPANIES INC COM COMMON STOCK 89417E109   74,434 309 SH   SOLE   309 0 0
TRUIST FINL CORP COM COMMON STOCK 89832Q109   24,639 568 SH   SOLE   568 0 0
US BANCORP DEL COMMON STOCK 902973304   277,827 5,810 SH   SOLE   5,528 282 0
US BANCORP DEL COMMON STOCK 902973304   38,256 800 SH   DFND   800 0 0
UNION PAC CORP COM COMMON STOCK 907818108   143,209 628 SH   SOLE   628 0 0
UNION PAC CORP COM COMMON STOCK 907818108   501,688 2,200 SH   DFND   0 2,200 0
UNITED PARCEL SERVICE INC CL B COMMON STOCK 911312106   455,088 3,609 SH   SOLE   3,058 359 192
UNITED PARCEL SERVICE INC CL B COMMON STOCK 911312106   81,334 645 SH   DFND   645 0 0
UNITED STATES STL CORP NEW COM COMMON STOCK 912909108   2,106 62 SH   SOLE   62 0 0
VANECK VECTORS ETF TR GOLD MINERS ETF COMMON STOCK 92189F106   67,800 2,000 SH   DFND   2,000 0 0
VANGUARD TOTAL INTL STOCK VG TL INTL STK F MUTUAL FUNDS-ETF EQUITIES 921909768   1,336,052 22,672 SH   SOLE   20,444 2,228 0
VANGUARD TOTAL INTL STOCK VG TL INTL STK F MUTUAL FUNDS-ETF EQUITIES 921909768   31,879 541 SH   DFND   541 0 0
VANGUARD B SHORT TERM BOND MUTUAL FUNDS-ETF FIXED INCOME 921937827   48,293 625 SH   DFND   0 625 0
VANGUARD BD INDEX FD INC TOTAL BD MARKET MUTUAL FUNDS-ETF FIXED INCOME 921937835   44,506 619 SH   DFND   0 619 0
VANGUARD FTSE DEVELOPED MARKET ETF MUTUAL FUNDS-ETF EQUITIES 921943858   9,562 200 SH   SOLE   200 0 0
VANGUARD INFORMATION TECH ETF MUTUAL FUNDS-ETF EQUITIES 92204A702   123,114 198 SH   SOLE   198 0 0
VANGUARD INTL EQUITY INDEX FALLWRLD EX US MUTUAL FUNDS-ETF EQUITIES 922042775   6,888 120 SH   SOLE   120 0 0
VANGUARD EMERGING MARKETS ETF MUTUAL FUNDS-ETF EQUITIES 922042858   82,398 1,871 SH   SOLE   1,565 306 0
VANGUARD EMERGING MARKETS ETF MUTUAL FUNDS-ETF EQUITIES 922042858   13,079 297 SH   DFND   297 0 0
VANGUARD 500 INDEX FUND MUTUAL FUNDS-ETF EQUITIES 922908363   877,164 1,628 SH   SOLE   1,628 0 0
VANGUARD 500 INDEX FUND MUTUAL FUNDS-ETF EQUITIES 922908363   75,969 141 SH   DFND   141 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP ETF EQUITIES 922908512   11,162 69 SH   SOLE   69 0 0
VANGUARD REAL ESTATE COMMON STOCK 922908553   1,114,024 12,506 SH   SOLE   11,167 1,072 267
VANGUARD REAL ESTATE COMMON STOCK 922908553   125,156 1,405 SH   DFND   1,150 255 0
VANGUARD MID CAP ETF MUTUAL FUNDS-ETF EQUITIES 922908629   921,800 3,490 SH   SOLE   3,360 130 0
VANGUARD MID CAP ETF MUTUAL FUNDS-ETF EQUITIES 922908629   132,327 501 SH   DFND   54 447 0
VANGUARD INDEX FDS EXTEND MKT ETF MUTUAL FUNDS-ETF EQUITIES 922908652   1,470,242 7,739 SH   SOLE   7,739 0 0
VANGUARD INDEX FDS EXTEND MKT ETF MUTUAL FUNDS-ETF EQUITIES 922908652   15,197 80 SH   DFND   80 0 0
VANGUARD GROWTH ETF MUTUAL FUNDS-ETF EQUITIES 922908736   570,920 1,391 SH   SOLE   1,391 0 0
VANGUARD VALUE ETF MUTUAL FUNDS-ETF EQUITIES 922908744   532,278 3,144 SH   SOLE   3,144 0 0
VANGUARD SMALL CAP ETF ETF EQUITIES 922908751   2,359,296 9,819 SH   SOLE   9,685 134 0
VANGUARD SMALL CAP ETF ETF EQUITIES 922908751   129,509 539 SH   DFND   253 286 0
VERALTO CORP COM SHS COMMON STOCK 92338C103   2,648 26 SH   DFND   26 0 0
VERIZON COMMUNICATIONS COM COMMON STOCK 92343V104   1,395,033 34,894 SH   SOLE   32,131 1,663 1,100
VERIZON COMMUNICATIONS COM COMMON STOCK 92343V104   303,206 7,584 SH   DFND   3,040 3,044 1,500
VIATRIS INC COM COMMON STOCK 92556V106   3,682 296 SH   SOLE   296 0 0
VIATRIS INC COM COMMON STOCK 92556V106   6,321 508 SH   DFND   384 62 62
VISA CLASS A COMMON STOCK 92826C839   564,421 1,786 SH   SOLE   1,786 0 0
VISA CLASS A COMMON STOCK 92826C839   226,908 718 SH   DFND   618 100 0
VIRTUS CONVERTIBLE & INCOME COM MUTUAL FUNDS-ETF EQUITIES 92838X102   9,816 2,829 SH   SOLE   2,829 0 0
VODAFONE GROUP PLC FOREIGN EQUITIES 92857W308   191,416 22,547 SH   SOLE   22,547 0 0
VODAFONE GROUP PLC FOREIGN EQUITIES 92857W308   118,384 13,944 SH   DFND   13,944 0 0
WEC ENERGY GROUP INC COM COMMON STOCK 92939U106   30,657 326 SH   SOLE   326 0 0
WK KELLOGG CO COM SHS COMMON STOCK 92942W107   6,742 375 SH   DFND   375 0 0
WABTEC CORP COM COMMON STOCK 929740108   379 2 SH   SOLE   2 0 0
WABTEC CORP COM COMMON STOCK 929740108   1,704 9 SH   DFND   9 0 0
WAL MART STORES INC COM COMMON STOCK 931142103   1,223,877 13,546 SH   SOLE   13,546 0 0
WAL MART STORES INC COM COMMON STOCK 931142103   216,840 2,400 SH   DFND   2,400 0 0
WALGREENS BOOTS ALLIANCE COMMON STOCK 931427108   4,665 500 SH   SOLE   500 0 0
WARNER BROS DISCOVERY INC COM SER A COMMON STOCK 934423104   8,983 850 SH   SOLE   850 0 0
WARNER BROS DISCOVERY INC COM SER A COMMON STOCK 934423104   761 72 SH   DFND   0 72 0
WASTE MANAGEMENT INC NEW COMMON STOCK 94106L109   621,907 3,082 SH   SOLE   3,033 49 0
WELLS FARGO & CO NEW COM COMMON STOCK 949746101   781,973 11,133 SH   SOLE   11,133 0 0
WELLS FARGO & CO NEW COM COMMON STOCK 949746101   85,481 1,217 SH   DFND   1,217 0 0
WEYERHAEUSER CO COM COMMON STOCK 962166104   26,564 944 SH   SOLE   944 0 0
WEYERHAEUSER CO COM COMMON STOCK 962166104   22,512 800 SH   DFND   0 800 0
XCEL ENERGY INC COMMON STOCK 98389B100   229,568 3,400 SH   SOLE   3,400 0 0
XYLEM INC COMMON STOCK 98419M100   417,552 3,599 SH   SOLE   2,827 772 0
XYLEM INC COMMON STOCK 98419M100   115,207 993 SH   DFND   893 100 0
YUM BRANDS INC COMMON STOCK 988498101   21,465 160 SH   SOLE   160 0 0
YUM CHINA HLDGS INC COM COMMON STOCK 98850P109   7,705 160 SH   SOLE   160 0 0
ZIMMER HLDGS INC COM COMMON STOCK 98956P102   8,450 80 SH   SOLE   80 0 0
ZOETIS INC CL A COMMON STOCK 98978V103   186,388 1,144 SH   SOLE   1,112 32 0