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
EATON CORP PLC COMMON STOCK G29183103   873,693 3,628 SH   SOLE   3,628 0 0
EATON CORP PLC COMMON STOCK G29183103   19,265 80 SH   DFND   80 0 0
JOHNSON CONTROLS INTERNATIONAL PLC COMMON STOCK G51502105   180,600 3,134 SH   SOLE   3,134 0 0
JOHNSON CONTROLS INTERNATIONAL PLC COMMON STOCK G51502105   32,617 566 SH   DFND   566 0 0
MEDTRONIC PLC FOREIGN EQUITIES G5960L103   537,264 6,522 SH   SOLE   6,522 0 0
MEDTRONIC PLC FOREIGN EQUITIES G5960L103   221,187 2,685 SH   DFND   2,685 0 0
TE CONNECTIVITY LTD COMMON STOCK H84989104   735,508 5,235 SH   SOLE   5,235 0 0
TE CONNECTIVITY LTD COMMON STOCK H84989104   340,009 2,420 SH   DFND   2,420 0 0
A T & T INC COMMON STOCK 00206R102   805,375 48,026 SH   SOLE   48,026 0 0
A T & T INC COMMON STOCK 00206R102   123,293 7,352 SH   DFND   7,352 0 0
ABBOTT LABS COM COMMON STOCK 002824100   1,314,448 11,942 SH   SOLE   11,942 0 0
ABBOTT LABS COM COMMON STOCK 002824100   87,945 799 SH   DFND   799 0 0
ABBVIE INC COMMON STOCK 00287Y109   2,185,994 14,106 SH   SOLE   14,106 0 0
ABBVIE INC COMMON STOCK 00287Y109   116,071 749 SH   DFND   749 0 0
ALPHABET INC - CLASS C COMMON STOCK 02079K107   1,888,459 13,400 SH   SOLE   13,400 0 0
ALPHABET INC - CLASS A COMMON STOCK 02079K305   2,380,311 17,040 SH   SOLE   17,040 0 0
ALPHABET INC - CLASS A COMMON STOCK 02079K305   260,521 1,865 SH   DFND   280 0 1,585
ALTRIA GROUP INC COM COMMON STOCK 02209S103   446,435 11,067 SH   SOLE   11,067 0 0
ALTRIA GROUP INC COM COMMON STOCK 02209S103   164,990 4,090 SH   DFND   2,990 0 1,100
AMAZON COM INC. COMMON STOCK 023135106   712,589 4,690 SH   SOLE   4,690 0 0
AMAZON COM INC. COMMON STOCK 023135106   60,774 400 SH   DFND   180 0 220
AMETEK INC NEW COM COMMON STOCK 031100100   313,291 1,900 SH   DFND   1,900 0 0
AMGEN INC COM COMMON STOCK 031162100   421,640 1,464 SH   SOLE   1,464 0 0
AMGEN INC COM COMMON STOCK 031162100   102,819 357 SH   DFND   357 0 0
APPLE INC COMMON STOCK 037833100   22,811,480 118,483 SH   SOLE   118,483 0 0
APPLE INC COMMON STOCK 037833100   7,749,906 40,253 SH   DFND   38,393 0 1,860
AUTOMATIC DATA PROCESSING INCOM COMMON STOCK 053015103   582,425 2,500 SH   SOLE   2,500 0 0
AUTOMATIC DATA PROCESSING INCOM COMMON STOCK 053015103   279,564 1,200 SH   DFND   1,200 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104   821,494 24,406 SH   SOLE   24,406 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104   441,214 13,108 SH   DFND   13,108 0 0
BANK NEW YORK MELLON CORP COMMON STOCK 064058100   290,537 5,583 SH   SOLE   5,583 0 0
BANK NEW YORK MELLON CORP COMMON STOCK 064058100   83,264 1,600 SH   DFND   1,600 0 0
BAXTER INTL INC COM COMMON STOCK 071813109   888,395 22,986 SH   SOLE   22,986 0 0
BAXTER INTL INC COM COMMON STOCK 071813109   75,095 1,943 SH   DFND   1,943 0 0
BERKSHIRE HATHAWAY INC. DELWARE CL COMMON STOCK 084670108   2,713,125 5 SH   SOLE   5 0 0
BERKSHIRE HATHAWAY INC DEL COMMON STOCK 084670702   918,370 2,575 SH   SOLE   2,575 0 0
BLACKROCK SBI MUTUAL FUNDS - FIXED INCOME 09249E101   829,034 75,991 SH   SOLE   75,991 0 0
BLACKROCK SBI MUTUAL FUNDS - FIXED INCOME 09249E101   37,573 3,444 SH   DFND   3,444 0 0
BOEING CO COM COMMON STOCK 097023105   270,551 1,038 SH   SOLE   1,038 0 0
BOEING CO COM COMMON STOCK 097023105   39,097 150 SH   DFND   150 0 0
BRISTOL MYERS SQUIBB CO COM COMMON STOCK 110122108   1,416,648 27,610 SH   SOLE   27,610 0 0
BRISTOL MYERS SQUIBB CO COM COMMON STOCK 110122108   135,971 2,650 SH   DFND   2,650 0 0
THE CIGNA GROUP COMMON STOCK 125523100   439,562 1,468 SH   SOLE   1,468 0 0
THE CIGNA GROUP COMMON STOCK 125523100   2,694 9 SH   DFND   9 0 0
CVS HEALTH CORPORATION COMMON STOCK 126650100   368,110 4,662 SH   SOLE   4,662 0 0
CVS HEALTH CORPORATION COMMON STOCK 126650100   373,875 4,735 SH   DFND   4,735 0 0
CATERPILLAR INC COM COMMON STOCK 149123101   1,016,178 3,437 SH   SOLE   3,437 0 0
CATERPILLAR INC COM COMMON STOCK 149123101   1,789,333 6,052 SH   DFND   5,122 0 930
CHEVRON CORPORATION COMMON STOCK 166764100   3,517,162 23,580 SH   SOLE   23,580 0 0
CHEVRON CORPORATION COMMON STOCK 166764100   718,202 4,815 SH   DFND   4,815 0 0
CISCO SYS INC COM COMMON STOCK 17275R102   386,071 7,642 SH   SOLE   7,642 0 0
COCA COLA CO COM COMMON STOCK 191216100   698,256 11,849 SH   SOLE   11,849 0 0
COCA COLA CO COM COMMON STOCK 191216100   68,005 1,154 SH   DFND   1,154 0 0
COLGATE PALMOLIVE CO COM COMMON STOCK 194162103   353,033 4,429 SH   SOLE   4,429 0 0
COMCAST CORP CLASS A COMMON STOCK 20030N101   708,708 16,166 SH   SOLE   16,166 0 0
CONOCOPHILLIPS COM COMMON STOCK 20825C104   1,579,117 13,605 SH   SOLE   13,605 0 0
CONOCOPHILLIPS COM COMMON STOCK 20825C104   15,089 130 SH   DFND   130 0 0
CONSTELLATION BRANDS INC COMMON STOCK 21036P108   208,627 863 SH   SOLE   863 0 0
CONSTELLATION ENERGY CORP NPV COMMON STOCK 21037T109   278,895 2,386 SH   SOLE   2,386 0 0
CORNING INC COM COMMON STOCK 219350105   1,195,096 39,248 SH   SOLE   39,248 0 0
CORNING INC COM COMMON STOCK 219350105   254,257 8,350 SH   DFND   8,350 0 0
CORTEVA INC COMMON STOCK 22052L104   538,342 11,237 SH   SOLE   11,237 0 0
CORTEVA INC COMMON STOCK 22052L104   38,662 807 SH   DFND   807 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105   581,525 881 SH   SOLE   881 0 0
DEERE & CO COM COMMON STOCK 244199105   639,770 1,600 SH   SOLE   1,600 0 0
DEERE & CO COM COMMON STOCK 244199105   31,988 80 SH   DFND   80 0 0
DISNEY (WALT) COMPANY HOLDING CO COMMON STOCK 254687106   1,255,278 13,903 SH   SOLE   13,903 0 0
DISNEY (WALT) COMPANY HOLDING CO COMMON STOCK 254687106   36,566 405 SH   DFND   405 0 0
DOMINION ENERGY INC NPV COMMON STOCK 25746U109   118,816 2,528 SH   SOLE   2,528 0 0
DOMINION ENERGY INC NPV COMMON STOCK 25746U109   164,500 3,500 SH   DFND   3,500 0 0
DOW INC COMMON STOCK 260557103   617,186 11,255 SH   SOLE   11,255 0 0
DOW INC COMMON STOCK 260557103   44,254 807 SH   DFND   807 0 0
DUKE ENERGY CORP NEW COMMON STOCK 26441C204   721,187 7,432 SH   SOLE   7,432 0 0
DUKE ENERGY CORP NEW COMMON STOCK 26441C204   110,528 1,139 SH   DFND   1,139 0 0
DUPONT DE NEMOURS INC. COMMON STOCK 26614N102   873,584 11,356 SH   SOLE   11,356 0 0
DUPONT DE NEMOURS INC. COMMON STOCK 26614N102   66,158 860 SH   DFND   860 0 0
EMERSON ELEC CO COM COMMON STOCK 291011104   1,479,896 15,205 SH   SOLE   15,205 0 0
EMERSON ELEC CO COM COMMON STOCK 291011104   402,459 4,135 SH   DFND   3,135 0 1,000
ESSENTIAL UTILITIES INC COMMON STOCK 29670G102   4,030,078 107,930 SH   SOLE   107,930 0 0
ESSENTIAL UTILITIES INC COMMON STOCK 29670G102   568,982 15,238 SH   DFND   15,238 0 0
EXELON CORP COMMON STOCK 30161N101   312,988 8,721 SH   SOLE   8,721 0 0
EXXON MOBIL CORP COM COMMON STOCK 30231G102   4,473,777 44,747 SH   SOLE   44,747 0 0
EXXON MOBIL CORP COM COMMON STOCK 30231G102   893,319 8,935 SH   DFND   7,935 0 1,000
META PLATFORMS INC COMMON STOCK 30303M102   239,621 677 SH   SOLE   677 0 0
FISERV INC COM COMMON STOCK 337738108   568,555 4,280 SH   SOLE   4,280 0 0
GE HEALTHCARE TECHNOLIGIES INC COMMON STOCK 36266G107   232,731 3,011 SH   SOLE   3,011 0 0
GE HEALTHCARE TECHNOLIGIES INC COMMON STOCK 36266G107   23,885 309 SH   DFND   309 0 0
GENERAL ELECTRIC CO. COMMON STOCK 369604301   1,153,736 9,040 SH   SOLE   9,040 0 0
GENERAL ELECTRIC CO. COMMON STOCK 369604301   137,197 1,075 SH   DFND   1,075 0 0
GENERAL MLS INC COM COMMON STOCK 370334104   133,838 2,055 SH   SOLE   2,055 0 0
GENERAL MLS INC COM COMMON STOCK 370334104   196,692 3,020 SH   DFND   3,020 0 0
GENUINE PARTS CO COMMON COMMON STOCK 372460105   207,750 1,500 SH   DFND   1,500 0 0
H P INC COMMON STOCK 40434L105   497,234 16,525 SH   SOLE   16,525 0 0
H P INC COMMON STOCK 40434L105   105,315 3,500 SH   DFND   3,500 0 0
THE HERSHEY COMPANY COM COMMON STOCK 427866108   310,607 1,666 SH   SOLE   1,666 0 0
HEWLETT PACKARD ENTERPRISE CO COMMON STOCK 42824C109   280,409 16,524 SH   SOLE   16,524 0 0
HEWLETT PACKARD ENTERPRISE CO COMMON STOCK 42824C109   59,395 3,500 SH   DFND   3,500 0 0
HOME DEPOT INC COM COMMON STOCK 437076102   9,132,674 26,354 SH   SOLE   26,354 0 0
HOME DEPOT INC COM COMMON STOCK 437076102   871,893 2,516 SH   DFND   2,516 0 0
HONEYWELL INTL INC COM COMMON STOCK 438516106   4,250,787 20,270 SH   SOLE   20,270 0 0
HONEYWELL INTL INC COM COMMON STOCK 438516106   1,025,898 4,892 SH   DFND   4,064 0 828
ILLINOIS TOOL WKS INC COM COMMON STOCK 452308109   532,785 2,034 SH   SOLE   2,034 0 0
INTEL CORP COM COMMON STOCK 458140100   1,492,821 29,708 SH   SOLE   29,708 0 0
INTEL CORP COM COMMON STOCK 458140100   171,603 3,415 SH   DFND   3,415 0 0
INTERNATIONAL BUSINESS MACHSCOM COMMON STOCK 459200101   746,759 4,566 SH   SOLE   4,566 0 0
INTERNATIONAL BUSINESS MACHSCOM COMMON STOCK 459200101   219,647 1,343 SH   DFND   1,330 0 13
INVESCO WATER RESOURCES ETF ETF - EQUITY SMALL CAP 46137V142   8,072,557 132,642 SH   SOLE   132,642 0 0
INVESCO WATER RESOURCES ETF ETF - EQUITY SMALL CAP 46137V142   619,614 10,181 SH   DFND   7,681 0 2,500
INVESCO PREFERRED ETF ETF - FIXED INCOME 46138E511   7,316,255 637,869 SH   SOLE   637,869 0 0
INVESCO PREFERRED ETF ETF - FIXED INCOME 46138E511   383,323 33,420 SH   DFND   24,920 0 8,500
I SHARES CORE S & P TOTAL U S STOCK MARKET ETF - EQUITY LARGE CAP 464287150   2,163,523 20,560 SH   SOLE   20,560 0 0
I SHARES SELECT DIVIDEND ETF ETF - EQUITY LARGE CAP 464287168   21,240,461 181,203 SH   SOLE   181,203 0 0
I SHARES SELECT DIVIDEND ETF ETF - EQUITY LARGE CAP 464287168   1,695,233 14,462 SH   DFND   13,462 0 1,000
I SHRS TIPS BOND ETF ETF - FIXED INCOME 464287176   9,545,531 88,805 SH   SOLE   88,805 0 0
I SHRS TIPS BOND ETF ETF - FIXED INCOME 464287176   562,278 5,231 SH   DFND   3,431 0 1,800
I SHARES CORE S & P 500 ETF ETF - EQUITY LARGE CAP 464287200   317,139 664 SH   SOLE   664 0 0
ISHARES S & P GROWTH ETF ETF - EQUITY LARGE CAP 464287309   1,294,422 17,236 SH   SOLE   17,236 0 0
ISHARES S & P GROWTH ETF ETF - EQUITY LARGE CAP 464287309   3,379 45 SH   DFND   45 0 0
I SHARES S & P 500 VALUE ETF ETF - EQUITY LARGE CAP 464287408   378,557 2,177 SH   SOLE   2,177 0 0
I SHARES MSCI EAFE ETF ETF - FOREIGN EQUITY 464287465   423,987 5,627 SH   SOLE   5,627 0 0
I SHARES RUSSELL MID-CAP ETF ETF - EQUITY MID CAP 464287499   475,177 6,114 SH   SOLE   6,114 0 0
I SHARES CORE S & P MID-CAP ETF ETF - EQUITY MID CAP 464287507   284,061 1,025 SH   SOLE   1,025 0 0
I SHARES S & P MIDCAP 400 GROWTH ETF ETF - EQUITY MID CAP 464287606   257,860 3,255 SH   SOLE   3,255 0 0
I SHARES RUSSELL 1000 GROWTH ETF ETF - EQUITY SMALL CAP 464287614   224,641 741 SH   SOLE   741 0 0
I SHARES S & P MID CAP 400 VALUE ETF ETF - EQUITY MID CAP 464287705   244,273 2,142 SH   SOLE   2,142 0 0
I SHARES CORE S & P SMALL CAP ETF ETF - EQUITY SMALL CAP 464287804   634,121 5,858 SH   SOLE   5,858 0 0
I SHRS MOMENTUM ETF - EQUITY LARGE CAP 46432F396   716,177 4,565 SH   SOLE   4,565 0 0
I SHARES MSCI EAFE CORE ETF - FOREIGN EQUITY 46432F842   18,241,073 259,293 SH   SOLE   259,293 0 0
I SHARES MSCI EAFE CORE ETF - FOREIGN EQUITY 46432F842   1,297,315 18,441 SH   DFND   16,301 0 2,140
I SHRS CONVERTIBLE BOND ETF ETF - FIXED INCOME 46435G102   181,537 2,310 SH   SOLE   2,310 0 0
I SHRS CONVERTIBLE BOND ETF ETF - FIXED INCOME 46435G102   29,471 375 SH   DFND   375 0 0
J P MORGAN CHASE & CO COMMON STOCK 46625H100   1,466,428 8,621 SH   SOLE   8,621 0 0
J P MORGAN CHASE & CO COMMON STOCK 46625H100   11,056 65 SH   DFND   65 0 0
JOHNSON & JOHNSON COM COMMON STOCK 478160104   5,306,868 33,858 SH   SOLE   33,858 0 0
JOHNSON & JOHNSON COM COMMON STOCK 478160104   1,306,894 8,338 SH   DFND   7,488 0 850
KIMBERLY-CLARK CORP COM COMMON STOCK 494368103   2,525,546 20,785 SH   SOLE   20,785 0 0
KIMBERLY-CLARK CORP COM COMMON STOCK 494368103   312,280 2,570 SH   DFND   2,570 0 0
L3HARRIS TECHNOLOGIES INC COMMON STOCK 502431109   308,345 1,464 SH   SOLE   1,464 0 0
ELI LILLY & CO COM COMMON STOCK 532457108   1,710,251 2,934 SH   SOLE   2,934 0 0
ELI LILLY & CO COM COMMON STOCK 532457108   349,746 600 SH   DFND   0 0 600
LOCKHEED MARTIN CORP COM COMMON STOCK 539830109   1,326,136 2,926 SH   SOLE   2,926 0 0
LOCKHEED MARTIN CORP COM COMMON STOCK 539830109   33,992 75 SH   DFND   75 0 0
LOWES COS INC COM COMMON STOCK 548661107   304,224 1,367 SH   SOLE   1,367 0 0
MANULIFE FINANCIAL FOREIGN EQUITIES 56501R106   227,659 10,306 SH   SOLE   10,306 0 0
MANULIFE FINANCIAL FOREIGN EQUITIES 56501R106   12,944 586 SH   DFND   586 0 0
MCDONALDS CORP COM COMMON STOCK 580135101   3,386,710 11,422 SH   SOLE   11,422 0 0
MCDONALDS CORP COM COMMON STOCK 580135101   541,126 1,825 SH   DFND   1,015 0 810
MCKESSON CORP USD COMMON STOCK 58155Q103   353,245 763 SH   SOLE   763 0 0
MERCK & CO INC NEW COMMON STOCK 58933Y105   3,578,017 32,820 SH   SOLE   32,820 0 0
MERCK & CO INC NEW COMMON STOCK 58933Y105   456,792 4,190 SH   DFND   4,190 0 0
MICROSOFT CORP COM COMMON STOCK 594918104   13,518,604 35,951 SH   SOLE   35,951 0 0
MICROSOFT CORP COM COMMON STOCK 594918104   2,844,289 7,564 SH   DFND   6,814 0 750
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105   441,886 6,101 SH   SOLE   6,101 0 0
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105   134,791 1,861 SH   DFND   1,861 0 0
MOODYS CORP COMMON STOCK 615369105   234,330 600 SH   DFND   600 0 0
NEXTERA ENERGY INC COM COMMON STOCK 65339F101   1,661,177 27,349 SH   SOLE   27,349 0 0
NEXTERA ENERGY INC COM COMMON STOCK 65339F101   264,826 4,360 SH   DFND   4,360 0 0
NUVEEN SELECT TAX-FREE INCOME PORTFOLIO MUTUAL FUNDS-NON TAX 67062F100   135,976 9,200 SH   SOLE   9,200 0 0
NUVEEN SELECT TAX-FREE INCOME PORTFOLIO MUTUAL FUNDS-NON TAX 67062F100   212,093 14,350 SH   DFND   14,350 0 0
NVIDIA CORPORATION COMMON STOCK 67066G104   2,804,866 5,664 SH   SOLE   5,664 0 0
NUVEEN CREDIT STRATEGIES INCOME FUND PREFERRED STOCK 67073D102   612,579 117,353 SH   SOLE   117,353 0 0
NUVEEN CREDIT STRATEGIES INCOME FUND PREFERRED STOCK 67073D102   37,166 7,120 SH   DFND   7,120 0 0
ONEOK INC NEW COMMON COMMON STOCK 682680103   203,918 2,904 SH   SOLE   2,904 0 0
ORACLE CORP COM COMMON STOCK 68389X105   193,990 1,840 SH   SOLE   1,840 0 0
ORACLE CORP COM COMMON STOCK 68389X105   527,150 5,000 SH   DFND   5,000 0 0
PNC FINL SVCS GROUP INC COM COMMON STOCK 693475105   1,478,967 9,551 SH   SOLE   9,551 0 0
PNC FINL SVCS GROUP INC COM COMMON STOCK 693475105   240,017 1,550 SH   DFND   1,550 0 0
PPG INDS INC COM COMMON STOCK 693506107   373,125 2,495 SH   SOLE   2,495 0 0
PPL CORP COMMON COMMON STOCK 69351T106   411,683 15,197 SH   SOLE   15,197 0 0
PPL CORP COMMON COMMON STOCK 69351T106   63,119 2,330 SH   DFND   2,330 0 0
PEPSICO INC COM COMMON STOCK 713448108   6,890,012 40,568 SH   SOLE   40,568 0 0
PEPSICO INC COM COMMON STOCK 713448108   590,869 3,479 SH   DFND   2,679 0 800
PFIZER INC COM COMMON STOCK 717081103   1,387,496 48,195 SH   SOLE   48,195 0 0
PFIZER INC COM COMMON STOCK 717081103   220,701 7,666 SH   DFND   7,666 0 0
PHILLIP MORRIS INTERNATIONALINC COMMON STOCK 718172109   737,203 7,836 SH   SOLE   7,836 0 0
PHILLIP MORRIS INTERNATIONALINC COMMON STOCK 718172109   336,712 3,579 SH   DFND   2,929 0 650
PHILLIPS 66 COMMON STOCK 718546104   873,917 6,564 SH   SOLE   6,564 0 0
PHILLIPS 66 COMMON STOCK 718546104   15,311 115 SH   DFND   115 0 0
PROCTER AND GAMBLE CO COM COMMON STOCK 742718109   4,471,203 30,512 SH   SOLE   30,512 0 0
PROCTER AND GAMBLE CO COM COMMON STOCK 742718109   1,165,725 7,955 SH   DFND   6,955 0 1,000
PROSHARES ULTRA S & P 500 EFT ETF - EQUITY LARGE CAP 74347R107   524,383 8,060 SH   SOLE   8,060 0 0
PUBLIC SVC ENTERPRISE GRP INCOM COMMON STOCK 744573106   216,225 3,536 SH   SOLE   3,536 0 0
PUBLIC SVC ENTERPRISE GRP INCOM COMMON STOCK 744573106   57,236 936 SH   DFND   936 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101   297,514 3,536 SH   SOLE   3,536 0 0
SCHLUMBERGER LTD COM STK COMMON STOCK 806857108   266,806 5,127 SH   SOLE   5,127 0 0
SCHLUMBERGER LTD COM STK COMMON STOCK 806857108   9,107 175 SH   DFND   175 0 0
HEALTH CARE SELECT SECTOR SPDR FUND COMMON STOCK 81369Y209   226,117 1,658 SH   SOLE   1,658 0 0
SOUTHERN CO COM COMMON STOCK 842587107   232,063 3,310 SH   SOLE   3,310 0 0
SOUTHERN CO COM COMMON STOCK 842587107   134,961 1,925 SH   DFND   1,925 0 0
TARGET CORP COMMON STOCK 87612E106   3,662,447 25,716 SH   SOLE   25,716 0 0
TARGET CORP COMMON STOCK 87612E106   190,272 1,336 SH   DFND   1,336 0 0
3M CO COMMON COMMON STOCK 88579Y101   1,515,596 13,864 SH   SOLE   13,864 0 0
3M CO COMMON COMMON STOCK 88579Y101   209,346 1,915 SH   DFND   1,915 0 0
TOYOTA MOTOR CORP FOREIGN EQUITIES 892331307   201,718 1,100 SH   DFND   1,100 0 0
UNION PAC CORP COM COMMON STOCK 907818108   214,668 874 SH   SOLE   874 0 0
VANECK VEC AGRIBUSINESS ETF ETF - EQUITY LARGE CAP 92189F700   1,657,884 21,763 SH   SOLE   21,763 0 0
VANECK VEC AGRIBUSINESS ETF ETF - EQUITY LARGE CAP 92189F700   68,942 905 SH   DFND   905 0 0
VANGUARD INTERMEDIATE TERM BOND INDEX ETF ETF - FIXED INCOME 921937819   24,515,663 320,972 SH   SOLE   320,972 0 0
VANGUARD INTERMEDIATE TERM BOND INDEX ETF ETF - FIXED INCOME 921937819   1,273,861 16,678 SH   DFND   13,178 0 3,500
VANGUARD FTSE DEVELOPED MARKET ETF ETF - FOREIGN EQUITY 921943858   1,376,885 28,745 SH   SOLE   28,745 0 0
VANGUARD FTSE DEVELOPED MARKET ETF ETF - FOREIGN EQUITY 921943858   16,765 350 SH   DFND   350 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF - FOREIGN EQUITY 922042858   932,995 22,707 SH   SOLE   22,707 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF - FOREIGN EQUITY 922042858   18,654 454 SH   DFND   454 0 0
VANGUARD SHORT TERM CORP BD ETF #3145 ETF - FIXED INCOME 92206C409   45,535,577 588,546 SH   SOLE   588,546 0 0
VANGUARD SHORT TERM CORP BD ETF #3145 ETF - FIXED INCOME 92206C409   4,226,790 54,631 SH   DFND   40,149 0 14,482
VANGUARD REIT INDEX #0986 ETF - EQUITY LARGE CAP 922908553   1,630,132 18,449 SH   SOLE   18,449 0 0
VANGUARD REIT INDEX #0986 ETF - EQUITY LARGE CAP 922908553   145,174 1,643 SH   DFND   1,643 0 0
VANGUARD TOTAL STOCK MARKET ETF ETF - EQUITY LARGE CAP 922908769   112,348,824 473,607 SH   SOLE   473,607 0 0
VANGUARD TOTAL STOCK MARKET ETF ETF - EQUITY LARGE CAP 922908769   3,521,049 14,843 SH   DFND   14,385 0 458
VERIZON COMMUNICATIONS INC COMMON STOCK 92343V104   2,677,270 71,016 SH   SOLE   71,016 0 0
VERIZON COMMUNICATIONS INC COMMON STOCK 92343V104   145,672 3,864 SH   DFND   3,864 0 0
VISA INC. COMMON STOCK 92826C839   272,312 1,046 SH   SOLE   1,046 0 0
WALMART INC COM COMMON STOCK 931142103   1,414,742 8,974 SH   SOLE   8,974 0 0
WALMART INC COM COMMON STOCK 931142103   78,824 500 SH   DFND   500 0 0
WELLS FARGO & CO NEW COMMON STOCK 949746101   310,722 6,313 SH   SOLE   6,313 0 0
WELLS FARGO & CO NEW COMMON STOCK 949746101   47,989 975 SH   DFND   975 0 0
XCEL ENERGY INC COM COMMON STOCK 98389B100   597,083 9,646 SH   SOLE   9,646 0 0
XCEL ENERGY INC COM COMMON STOCK 98389B100   24,512 396 SH   DFND   396 0 0
YUM BRANDS INC COMMON STOCK 988498101   1,047,224 8,015 SH   SOLE   8,015 0 0
YUM BRANDS INC COMMON STOCK 988498101   205,397 1,572 SH   DFND   572 0 1,000
YUM CHINA HOLDINGS INC COMMON STOCK 98850P109   377,911 8,907 SH   SOLE   8,907 0 0
YUM CHINA HOLDINGS INC COMMON STOCK 98850P109   66,699 1,572 SH   DFND   572 0 1,000
ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102   327,364 2,690 SH   SOLE   2,690 0 0
ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102   36,388 299 SH   DFND   299 0 0