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

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

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
EATON CORP PLC COMMON STOCK G29183103 628 3,635 SH   SOLE   1,635 0 2,000
EATON CORP PLC COMMON STOCK G29183103 14 80 SH   DFND   80 0 0
JOHNSON CONTROLS INTERNATIONAL PLC COMMON STOCK G51502105 370 4,545 SH   SOLE   3,471 0 1,074
JOHNSON CONTROLS INTERNATIONAL PLC COMMON STOCK G51502105 52 637 SH   DFND   519 0 118
MEDTRONIC PLC FOREIGN EQUITIES G5960L103 923 8,922 SH   SOLE   6,701 0 2,221
MEDTRONIC PLC FOREIGN EQUITIES G5960L103 285 2,756 SH   DFND   2,638 0 118
TE CONNECTIVITY LTD COMMON STOCK H84989104 1,147 7,109 SH   SOLE   4,785 0 2,324
TE CONNECTIVITY LTD COMMON STOCK H84989104 294 1,825 SH   DFND   1,700 0 125
A T & T INC COMMON STOCK 00206R102 1,211 49,247 SH   SOLE   49,247 0 0
A T & T INC COMMON STOCK 00206R102 239 9,712 SH   DFND   7,752 0 1,960
ABBOTT LABS COM COMMON STOCK 002824100 1,752 12,451 SH   SOLE   9,451 0 3,000
ABBOTT LABS COM COMMON STOCK 002824100 112 799 SH   DFND   799 0 0
ABBVIE INC COMMON STOCK 00287Y109 2,121 15,666 SH   SOLE   12,666 0 3,000
ABBVIE INC COMMON STOCK 00287Y109 115 849 SH   DFND   849 0 0
AGILENT TECHNOLOGIES INC COMMON STOCK 00846U101 232 1,451 SH   SOLE   1,451 0 0
AGILENT TECHNOLOGIES INC COMMON STOCK 00846U101 18 114 SH   DFND   76 0 38
ALPHABET INC - CLASS C COMMON STOCK 02079K107 1,939 670 SH   SOLE   670 0 0
ALPHABET INC - CLASS A COMMON STOCK 02079K305 2,413 833 SH   SOLE   763 0 70
ALPHABET INC - CLASS A COMMON STOCK 02079K305 307 106 SH   DFND   14 0 92
ALTRIA GROUP INC COM COMMON STOCK 02209S103 671 14,153 SH   SOLE   12,153 0 2,000
ALTRIA GROUP INC COM COMMON STOCK 02209S103 200 4,222 SH   DFND   450 0 3,772
AMAZON COM INC. COMMON STOCK 023135106 760 228 SH   SOLE   228 0 0
AMAZON COM INC. COMMON STOCK 023135106 30 9 SH   DFND   9 0 0
AMERICAN ELEC PWR INC COM COMMON STOCK 025537101 196 2,202 SH   SOLE   2,202 0 0
AMERICAN ELEC PWR INC COM COMMON STOCK 025537101 27 300 SH   DFND   0 0 300
AMETEK INC NEW COM COMMON STOCK 031100100 357 2,430 SH   DFND   2,430 0 0
AMGEN INC COM COMMON STOCK 031162100 320 1,421 SH   SOLE   1,421 0 0
AMGEN INC COM COMMON STOCK 031162100 100 444 SH   DFND   0 0 444
APPLE INC COMMON STOCK 037833100 21,675 122,066 SH   SOLE   106,226 0 15,840
APPLE INC COMMON STOCK 037833100 8,190 46,125 SH   DFND   33,595 0 12,530
AUTOMATIC DATA PROCESSING INCOM COMMON STOCK 053015103 666 2,700 SH   SOLE   2,700 0 0
AUTOMATIC DATA PROCESSING INCOM COMMON STOCK 053015103 345 1,400 SH   DFND   1,400 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104 1,234 27,730 SH   SOLE   22,206 0 5,524
BANK OF AMERICA CORP COMMON STOCK 060505104 619 13,908 SH   DFND   12,776 0 1,132
BANK NEW YORK MELLON CORP COMMON STOCK 064058100 330 5,683 SH   SOLE   5,683 0 0
BANK NEW YORK MELLON CORP COMMON STOCK 064058100 110 1,900 SH   DFND   1,600 0 300
BAXTER INTL INC COM COMMON STOCK 071813109 2,300 26,799 SH   SOLE   22,571 0 4,228
BAXTER INTL INC COM COMMON STOCK 071813109 185 2,150 SH   DFND   200 0 1,950
BERKSHIRE HATHAWAY INC. DELWARE CL COMMON STOCK 084670108 901 2 SH   SOLE   2 0 0
BERKSHIRE HATHAWAY INC DEL COMMON STOCK 084670702 773 2,585 SH   SOLE   2,585 0 0
BLACKROCK SBI MUTUAL FUNDS - FIXED INCOME 09249E101 1,401 84,899 SH   SOLE   83,831 0 1,068
BLACKROCK SBI MUTUAL FUNDS - FIXED INCOME 09249E101 93 5,617 SH   DFND   936 0 4,681
BOEING CO COM COMMON STOCK 097023105 235 1,165 SH   SOLE   1,165 0 0
BOEING CO COM COMMON STOCK 097023105 30 150 SH   DFND   0 0 150
BRISTOL MYERS SQUIBB CO COM COMMON STOCK 110122108 1,764 28,288 SH   SOLE   26,060 0 2,228
BRISTOL MYERS SQUIBB CO COM COMMON STOCK 110122108 218 3,500 SH   DFND   2,900 0 600
CIGNA CORP NEW COMMON STOCK 125523100 400 1,743 SH   SOLE   1,743 0 0
CIGNA CORP NEW COMMON STOCK 125523100 3 13 SH   DFND   9 0 4
CVS HEALTH CORPORATION COMMON STOCK 126650100 501 4,860 SH   SOLE   2,860 0 2,000
CVS HEALTH CORPORATION COMMON STOCK 126650100 438 4,250 SH   DFND   4,250 0 0
CATERPILLAR INC COM COMMON STOCK 149123101 567 2,742 SH   SOLE   2,742 0 0
CATERPILLAR INC COM COMMON STOCK 149123101 1,476 7,137 SH   DFND   4,300 0 2,837
CHEVRON CORPORATION COMMON STOCK 166764100 3,075 26,206 SH   SOLE   25,234 0 972
CHEVRON CORPORATION COMMON STOCK 166764100 615 5,241 SH   DFND   4,256 0 985
CISCO SYS INC COM COMMON STOCK 17275R102 543 8,563 SH   SOLE   8,563 0 0
COCA COLA CO COM COMMON STOCK 191216100 677 11,430 SH   SOLE   11,430 0 0
COCA COLA CO COM COMMON STOCK 191216100 99 1,679 SH   DFND   800 0 879
COLGATE PALMOLIVE CO COM COMMON STOCK 194162103 409 4,794 SH   SOLE   4,794 0 0
COMCAST CORP CLASS A COMMON STOCK 20030N101 926 18,392 SH   SOLE   18,392 0 0
COMCAST CORP CLASS A COMMON STOCK 20030N101 40 800 SH   DFND   0 0 800
CONOCOPHILLIPS COM COMMON STOCK 20825C104 1,140 15,799 SH   SOLE   14,495 0 1,304
CONOCOPHILLIPS COM COMMON STOCK 20825C104 42 580 SH   DFND   0 0 580
CONSTELLATION BRANDS INC COMMON STOCK 21036P108 229 913 SH   SOLE   913 0 0
CORNING INC COM COMMON STOCK 219350105 1,735 46,628 SH   SOLE   35,095 0 11,533
CORNING INC COM COMMON STOCK 219350105 341 9,150 SH   DFND   8,350 0 800
CORTEVA INC COMMON STOCK 22052L104 548 11,593 SH   SOLE   10,291 0 1,302
CORTEVA INC COMMON STOCK 22052L104 55 1,162 SH   DFND   0 0 1,162
COSTCO WHOLESALE CORP COMMON STOCK 22160K105 231 407 SH   SOLE   407 0 0
DEERE & CO COM COMMON STOCK 244199105 615 1,795 SH   SOLE   1,795 0 0
DEERE & CO COM COMMON STOCK 244199105 27 80 SH   DFND   80 0 0
DISNEY (WALT) COMPANY HOLDING CO COMMON STOCK 254687106 2,470 15,950 SH   SOLE   13,000 0 2,950
DISNEY (WALT) COMPANY HOLDING CO COMMON STOCK 254687106 192 1,240 SH   DFND   440 0 800
DOMINION ENERGY INC NPV COMMON STOCK 25746U109 535 6,816 SH   SOLE   6,816 0 0
DOMINION ENERGY INC NPV COMMON STOCK 25746U109 16 200 SH   DFND   200 0 0
DOW INC COMMON STOCK 260557103 695 12,247 SH   SOLE   10,945 0 1,302
DOW INC COMMON STOCK 260557103 66 1,162 SH   DFND   0 0 1,162
DUKE ENERGY CORP NEW COMMON STOCK 26441C204 867 8,269 SH   SOLE   8,269 0 0
DUKE ENERGY CORP NEW COMMON STOCK 26441C204 143 1,363 SH   DFND   806 0 557
DUPONT DE NEMOURS INC. COMMON STOCK 26614N102 1,027 12,717 SH   SOLE   11,415 0 1,302
DUPONT DE NEMOURS INC. COMMON STOCK 26614N102 98 1,215 SH   DFND   53 0 1,162
EMERSON ELEC CO COM COMMON STOCK 291011104 1,523 16,381 SH   SOLE   11,381 0 5,000
EMERSON ELEC CO COM COMMON STOCK 291011104 421 4,525 SH   DFND   3,135 0 1,390
ESSENTIAL UTILITIES INC COMMON STOCK 29670G102 5,886 109,649 SH   SOLE   94,851 0 14,798
ESSENTIAL UTILITIES INC COMMON STOCK 29670G102 1,032 19,220 SH   DFND   11,728 0 7,492
EXELON CORP COMMON STOCK 30161N101 653 11,304 SH   SOLE   11,304 0 0
EXXON MOBIL CORP COM COMMON STOCK 30231G102 2,817 46,051 SH   SOLE   41,510 0 4,541
EXXON MOBIL CORP COM COMMON STOCK 30231G102 791 12,937 SH   DFND   8,070 0 4,867
FACEBOOK INC. COMMON STOCK 30303M102 228 677 SH   SOLE   677 0 0
FIRST TST SHS ETF ETF - EQUITY LARGE CAP 33734H106 233 5,414 SH   SOLE   5,414 0 0
FISERV INC COM COMMON STOCK 337738108 444 4,280 SH   SOLE   4,280 0 0
GENERAL ELECTRIC CO. COMMON STOCK 369604301 1,085 11,482 SH   SOLE   10,406 0 1,076
GENERAL ELECTRIC CO. COMMON STOCK 369604301 368 3,893 SH   DFND   2,141 0 1,752
GENERAL MLS INC COM COMMON STOCK 370334104 138 2,050 SH   SOLE   2,050 0 0
GENERAL MLS INC COM COMMON STOCK 370334104 203 3,020 SH   DFND   2,920 0 100
GENUINE PARTS CO COMMON COMMON STOCK 372460105 210 1,500 SH   DFND   1,500 0 0
H P INC COMMON STOCK 40434L105 771 20,485 SH   SOLE   18,485 0 2,000
H P INC COMMON STOCK 40434L105 150 3,975 SH   DFND   3,500 0 475
THE HERSHEY COMPANY COM COMMON STOCK 427866108 301 1,557 SH   SOLE   1,557 0 0
HEWLETT PACKARD ENTERPRISE CO COMMON STOCK 42824C109 304 19,274 SH   SOLE   17,274 0 2,000
HEWLETT PACKARD ENTERPRISE CO COMMON STOCK 42824C109 63 3,975 SH   DFND   3,500 0 475
HOME DEPOT INC COM COMMON STOCK 437076102 11,968 28,837 SH   SOLE   24,546 0 4,291
HOME DEPOT INC COM COMMON STOCK 437076102 1,233 2,970 SH   DFND   2,290 0 680
HONEYWELL INTL INC COM COMMON STOCK 438516106 4,627 22,189 SH   SOLE   18,961 0 3,228
HONEYWELL INTL INC COM COMMON STOCK 438516106 1,183 5,673 SH   DFND   2,835 0 2,838
ILLINOIS TOOL WKS INC COM COMMON STOCK 452308109 527 2,134 SH   SOLE   2,134 0 0
INTEL CORP COM COMMON STOCK 458140100 2,076 40,303 SH   SOLE   35,615 0 4,688
INTEL CORP COM COMMON STOCK 458140100 449 8,715 SH   DFND   3,515 0 5,200
INTERNATIONAL BUSINESS MACHSCOM COMMON STOCK 459200101 867 6,487 SH   SOLE   5,887 0 600
INTERNATIONAL BUSINESS MACHSCOM COMMON STOCK 459200101 246 1,843 SH   DFND   1,030 0 813
INVESCO WATER RESOURCES ETF ETF - EQUITY SMALL CAP 46137V142 8,870 145,799 SH   SOLE   123,338 0 22,461
INVESCO WATER RESOURCES ETF ETF - EQUITY SMALL CAP 46137V142 719 11,824 SH   DFND   4,025 0 7,799
INVESCO PREFERRED ETF ETF - FIXED INCOME 46138E511 10,697 713,165 SH   SOLE   689,012 0 24,153
INVESCO PREFERRED ETF ETF - FIXED INCOME 46138E511 572 38,145 SH   DFND   17,648 0 20,497
I SHARES CORE S & P TOTAL U S STOCK MARKET ETF - EQUITY LARGE CAP 464287150 2,350 21,970 SH   SOLE   21,970 0 0
I SHARES SELECT DIVIDEND ETF ETF - EQUITY LARGE CAP 464287168 22,327 182,127 SH   SOLE   167,197 0 14,930
I SHARES SELECT DIVIDEND ETF ETF - EQUITY LARGE CAP 464287168 1,401 11,428 SH   DFND   8,629 0 2,799
I SHRS TIPS BOND ETF ETF - FIXED INCOME 464287176 12,376 95,786 SH   SOLE   90,990 0 4,796
I SHRS TIPS BOND ETF ETF - FIXED INCOME 464287176 735 5,691 SH   DFND   2,240 0 3,451
I SHARES CORE S & P 500 ETF ETF - EQUITY LARGE CAP 464287200 475 996 SH   SOLE   996 0 0
ISHARES S & P GROWTH ETF ETF - EQUITY LARGE CAP 464287309 1,694 20,249 SH   SOLE   14,249 0 6,000
ISHARES S & P GROWTH ETF ETF - EQUITY LARGE CAP 464287309 3 34 SH   DFND   34 0 0
I SHARES S & P 500 VALUE ETF ETF - EQUITY LARGE CAP 464287408 540 3,445 SH   SOLE   3,445 0 0
I SHARES MSCI EAFE ETF ETF - FOREIGN EQUITY 464287465 443 5,627 SH   SOLE   5,627 0 0
I SHARES RUSSELL MID-CAP ETF ETF - EQUITY MID CAP 464287499 508 6,114 SH   SOLE   6,114 0 0
I SHARES CORE S & P MID-CAP ETF ETF - EQUITY MID CAP 464287507 211 745 SH   SOLE   745 0 0
I SHARES S & P MIDCAP 400 GROWTH ETF ETF - EQUITY MID CAP 464287606 332 3,890 SH   SOLE   3,890 0 0
I SHARES RUSSELL 1000 GROWTH ETF ETF - EQUITY SMALL CAP 464287614 226 741 SH   SOLE   741 0 0
I SHARES S & P MID CAP 400 VALUE ETF ETF - EQUITY MID CAP 464287705 293 2,645 SH   SOLE   2,645 0 0
I SHARES CORE S & P SMALL CAP ETF ETF - EQUITY SMALL CAP 464287804 271 2,370 SH   SOLE   2,370 0 0
I SHARES S & P SMALL CAP 600 GROWTH INDEX FD ETF - EQUITY SMALL CAP 464287887 213 1,538 SH   SOLE   1,538 0 0
I SHRS MOMENTUM ETF - EQUITY LARGE CAP 46432F396 843 4,635 SH   SOLE   4,635 0 0
I SHARES MSCI EAFE CORE ETF - FOREIGN EQUITY 46432F842 20,038 268,505 SH   SOLE   221,128 52 47,325
I SHARES MSCI EAFE CORE ETF - FOREIGN EQUITY 46432F842 1,546 20,709 SH   DFND   13,889 0 6,820
I SHRS CONVERTIBLE BOND ETF ETF - FIXED INCOME 46435G102 216 2,420 SH   SOLE   2,420 0 0
I SHRS CONVERTIBLE BOND ETF ETF - FIXED INCOME 46435G102 33 375 SH   DFND   375 0 0
J P MORGAN CHASE & CO COMMON STOCK 46625H100 1,317 8,315 SH   SOLE   8,315 0 0
J P MORGAN CHASE & CO COMMON STOCK 46625H100 10 65 SH   DFND   0 0 65
JOHNSON & JOHNSON COM COMMON STOCK 478160104 6,462 37,772 SH   SOLE   36,044 0 1,728
JOHNSON & JOHNSON COM COMMON STOCK 478160104 1,510 8,825 SH   DFND   5,050 0 3,775
KIMBERLY-CLARK CORP COM COMMON STOCK 494368103 3,387 23,700 SH   SOLE   21,529 0 2,171
KIMBERLY-CLARK CORP COM COMMON STOCK 494368103 422 2,955 SH   DFND   2,570 0 385
L3HARRIS TECHNOLOGIES INC COMMON STOCK 502431109 312 1,464 SH   SOLE   1,464 0 0
ELI LILLY & CO COM COMMON STOCK 532457108 893 3,234 SH   SOLE   3,234 0 0
ELI LILLY & CO COM COMMON STOCK 532457108 221 800 SH   DFND   0 0 800
LOCKHEED MARTIN CORP COM COMMON STOCK 539830109 1,010 2,843 SH   SOLE   2,843 0 0
LOCKHEED MARTIN CORP COM COMMON STOCK 539830109 91 255 SH   DFND   75 0 180
LOWES COS INC COM COMMON STOCK 548661107 448 1,732 SH   SOLE   1,732 0 0
MANULIFE FINANCIAL FOREIGN EQUITIES 56501R106 196 10,306 SH   SOLE   10,306 0 0
MANULIFE FINANCIAL FOREIGN EQUITIES 56501R106 11 586 SH   DFND   586 0 0
MCDONALDS CORP COM COMMON STOCK 580135101 3,152 11,757 SH   SOLE   9,757 0 2,000
MCDONALDS CORP COM COMMON STOCK 580135101 516 1,925 SH   DFND   1,005 0 920
MERCK & CO INC NEW COMMON STOCK 58933Y105 2,758 35,996 SH   SOLE   31,882 0 4,114
MERCK & CO INC NEW COMMON STOCK 58933Y105 392 5,117 SH   DFND   2,980 0 2,137
MICROSOFT CORP COM COMMON STOCK 594918104 14,280 42,461 SH   SOLE   38,781 0 3,680
MICROSOFT CORP COM COMMON STOCK 594918104 2,815 8,370 SH   DFND   2,440 0 5,930
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 571 8,610 SH   SOLE   7,226 0 1,384
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 129 1,952 SH   DFND   103 0 1,849
MOODYS CORP COMMON STOCK 615369105 234 600 SH   DFND   600 0 0
NEXTERA ENERGY INC COM COMMON STOCK 65339F101 2,576 27,594 SH   SOLE   27,594 0 0
NEXTERA ENERGY INC COM COMMON STOCK 65339F101 407 4,360 SH   DFND   4,360 0 0
NUVEEN SELECT TAX-FREE INCOME PORTFOLIO MUTUAL FUNDS-NON TAX 67062F100 210 13,150 SH   SOLE   13,150 0 0
NUVEEN SELECT TAX-FREE INCOME PORTFOLIO MUTUAL FUNDS-NON TAX 67062F100 229 14,350 SH   DFND   5,250 0 9,100
NVIDIA CORPORATION COMMON STOCK 67066G104 1,350 4,589 SH   SOLE   4,589 0 0
NUVEEN CREDIT STRATEGIES INCOME FUND PREFERRED STOCK 67073D102 832 128,158 SH   SOLE   115,256 0 12,902
NUVEEN CREDIT STRATEGIES INCOME FUND PREFERRED STOCK 67073D102 83 12,815 SH   DFND   8,500 0 4,315
ORACLE CORP COM COMMON STOCK 68389X105 153 1,750 SH   SOLE   1,750 0 0
ORACLE CORP COM COMMON STOCK 68389X105 436 5,000 SH   DFND   5,000 0 0
PNC FINL SVCS GROUP INC COM COMMON STOCK 693475105 1,975 9,851 SH   SOLE   8,880 0 971
PNC FINL SVCS GROUP INC COM COMMON STOCK 693475105 331 1,650 SH   DFND   550 0 1,100
PPG INDS INC COM COMMON STOCK 693506107 430 2,495 SH   SOLE   2,495 0 0
PPL CORP COMMON COMMON STOCK 69351T106 511 17,001 SH   SOLE   17,001 0 0
PPL CORP COMMON COMMON STOCK 69351T106 88 2,930 SH   DFND   830 0 2,100
PEPSICO INC COM COMMON STOCK 713448108 7,957 45,804 SH   SOLE   41,830 0 3,974
PEPSICO INC COM COMMON STOCK 713448108 822 4,733 SH   DFND   1,905 0 2,828
PFIZER INC COM COMMON STOCK 717081103 3,501 59,306 SH   SOLE   54,578 0 4,728
PFIZER INC COM COMMON STOCK 717081103 551 9,338 SH   DFND   7,320 0 2,018
PHILLIP MORRIS INTERNATIONALINC COMMON STOCK 718172109 1,055 11,108 SH   SOLE   9,108 0 2,000
PHILLIP MORRIS INTERNATIONALINC COMMON STOCK 718172109 353 3,711 SH   DFND   389 0 3,322
PHILLIPS 66 COMMON STOCK 718546104 648 8,950 SH   SOLE   8,298 0 652
PHILLIPS 66 COMMON STOCK 718546104 25 340 SH   DFND   50 0 290
PROCTER AND GAMBLE CO COM COMMON STOCK 742718109 5,506 33,660 SH   SOLE   29,872 0 3,788
PROCTER AND GAMBLE CO COM COMMON STOCK 742718109 1,376 8,412 SH   DFND   5,615 0 2,797
PROSHARES ULTRA S & P 500 EFT ETF - EQUITY LARGE CAP 74347R107 590 4,030 SH   SOLE   4,030 0 0
PUBLIC SVC ENTERPRISE GRP INCOM COMMON STOCK 744573106 273 4,094 SH   SOLE   4,094 0 0
PUBLIC SVC ENTERPRISE GRP INCOM COMMON STOCK 744573106 62 936 SH   DFND   936 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 303 3,523 SH   SOLE   3,523 0 0
SCHLUMBERGER LTD COM STK COMMON STOCK 806857108 221 7,387 SH   SOLE   5,539 0 1,848
SCHLUMBERGER LTD COM STK COMMON STOCK 806857108 5 175 SH   DFND   0 0 175
SOUTHERN CO COM COMMON STOCK 842587107 267 3,898 SH   SOLE   3,898 0 0
SOUTHERN CO COM COMMON STOCK 842587107 132 1,925 SH   DFND   1,075 0 850
TARGET CORP COMMON STOCK 87612E106 6,643 28,702 SH   SOLE   24,074 0 4,628
TARGET CORP COMMON STOCK 87612E106 356 1,540 SH   DFND   1,030 0 510
3M CO COMMON COMMON STOCK 88579Y101 3,249 18,292 SH   SOLE   15,550 0 2,742
3M CO COMMON COMMON STOCK 88579Y101 435 2,449 SH   DFND   1,995 0 454
TOYOTA MOTOR CORP FOREIGN EQUITIES 892331307 204 1,100 SH   DFND   1,000 0 100
UNION PAC CORP COM COMMON STOCK 907818108 239 949 SH   SOLE   949 0 0
VANECK VEC AGRIBUSINESS ETF ETF - EQUITY LARGE CAP 92189F700 2,248 23,564 SH   SOLE   19,336 0 4,228
VANECK VEC AGRIBUSINESS ETF ETF - EQUITY LARGE CAP 92189F700 105 1,105 SH   DFND   805 0 300
VANGUARD INTERMEDIATE TERM BOND INDEX ETF ETF - FIXED INCOME 921937819 32,762 373,913 SH   SOLE   339,330 38 34,545
VANGUARD INTERMEDIATE TERM BOND INDEX ETF ETF - FIXED INCOME 921937819 1,762 20,106 SH   DFND   9,968 0 10,138
VANGUARD FTSE DEVELOPED MARKET ETF ETF - FOREIGN EQUITY 921943858 1,523 29,820 SH   SOLE   15,550 0 14,270
VANGUARD FTSE DEVELOPED MARKET ETF ETF - FOREIGN EQUITY 921943858 17 325 SH   DFND   325 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF - FOREIGN EQUITY 922042858 829 16,769 SH   SOLE   16,693 76 0
VANGUARD FTSE EMERGING MARKETS ETF ETF - FOREIGN EQUITY 922042858 19 379 SH   DFND   379 0 0
VANGUARD SHORT TERM CORP BD ETF #3145 ETF - FIXED INCOME 92206C409 52,715 648,717 SH   SOLE   620,785 125 27,807
VANGUARD SHORT TERM CORP BD ETF #3145 ETF - FIXED INCOME 92206C409 5,186 63,826 SH   DFND   28,146 0 35,680
VANGUARD REIT INDEX #0986 ETF - EQUITY LARGE CAP 922908553 2,710 23,357 SH   SOLE   21,257 0 2,100
VANGUARD REIT INDEX #0986 ETF - EQUITY LARGE CAP 922908553 214 1,843 SH   DFND   248 0 1,595
VANGUARD TOTAL STOCK MARKET ETF ETF - EQUITY LARGE CAP 922908769 113,596 470,495 SH   SOLE   367,969 192 102,334
VANGUARD TOTAL STOCK MARKET ETF ETF - EQUITY LARGE CAP 922908769 3,786 15,683 SH   DFND   10,916 0 4,767
VERIZON COMMUNICATIONS INC COMMON STOCK 92343V104 4,204 80,924 SH   SOLE   76,774 0 4,150
VERIZON COMMUNICATIONS INC COMMON STOCK 92343V104 297 5,724 SH   DFND   3,761 0 1,963
VISA INC. COMMON STOCK 92826C839 227 1,046 SH   SOLE   1,046 0 0
WALMART INC COM COMMON STOCK 931142103 1,428 9,869 SH   SOLE   8,141 0 1,728
WALMART INC COM COMMON STOCK 931142103 87 600 SH   DFND   500 0 100
WELLS FARGO & CO NEW COMMON STOCK 949746101 276 5,760 SH   SOLE   4,650 0 1,110
WELLS FARGO & CO NEW COMMON STOCK 949746101 91 1,889 SH   DFND   975 0 914
XCEL ENERGY INC COM COMMON STOCK 98389B100 664 9,809 SH   SOLE   8,337 0 1,472
XCEL ENERGY INC COM COMMON STOCK 98389B100 33 493 SH   DFND   0 0 493
YUM BRANDS INC COMMON STOCK 988498101 1,203 8,665 SH   SOLE   7,235 0 1,430
YUM BRANDS INC COMMON STOCK 988498101 245 1,764 SH   DFND   550 0 1,214
YUM CHINA HOLDINGS INC COMMON STOCK 98850P109 479 9,607 SH   SOLE   8,177 0 1,430
YUM CHINA HOLDINGS INC COMMON STOCK 98850P109 90 1,814 SH   DFND   600 0 1,214
ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102 352 2,774 SH   SOLE   2,551 0 223
ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102 71 558 SH   DFND   210 0 348