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   1,117,167 3,573 SH   SOLE   3,573 0 0
EATON CORP PLC COMMON STOCK G29183103   25,013 80 SH   DFND   80 0 0
JOHNSON CONTROLS INTERNATIONAL PLC FOREIGN EQUITIES G51502105   204,672 3,134 SH   SOLE   3,134 0 0
JOHNSON CONTROLS INTERNATIONAL PLC FOREIGN EQUITIES G51502105   36,964 566 SH   DFND   566 0 0
MEDTRONIC PLC FOREIGN EQUITIES G5960L103   541,271 6,211 SH   SOLE   6,211 0 0
MEDTRONIC PLC FOREIGN EQUITIES G5960L103   233,995 2,685 SH   DFND   2,685 0 0
TE CONNECTIVITY LTD FOREIGN EQUITIES H84989104   756,978 5,212 SH   SOLE   5,212 0 0
TE CONNECTIVITY LTD FOREIGN EQUITIES H84989104   351,479 2,420 SH   DFND   2,420 0 0
A T & T INC COMMON STOCK 00206R102   842,998 47,926 SH   SOLE   47,926 0 0
A T & T INC COMMON STOCK 00206R102   129,321 7,352 SH   DFND   7,352 0 0
ABBOTT LABS COM COMMON STOCK 002824100   1,348,231 11,862 SH   SOLE   11,862 0 0
ABBOTT LABS COM COMMON STOCK 002824100   90,814 799 SH   DFND   799 0 0
ABBVIE INC COMMON STOCK 00287Y109   2,543,202 13,966 SH   SOLE   13,966 0 0
ABBVIE INC COMMON STOCK 00287Y109   136,392 749 SH   DFND   749 0 0
ALPHABET INC - CLASS C COMMON STOCK 02079K107   2,040,280 13,400 SH   SOLE   13,400 0 0
ALPHABET INC - CLASS A COMMON STOCK 02079K305   2,571,842 17,040 SH   SOLE   17,040 0 0
ALPHABET INC - CLASS A COMMON STOCK 02079K305   281,483 1,865 SH   DFND   280 0 1,585
ALTRIA GROUP INC COM COMMON STOCK 02209S103   475,296 10,899 SH   SOLE   10,899 0 0
ALTRIA GROUP INC COM COMMON STOCK 02209S103   178,364 4,090 SH   DFND   2,990 0 1,100
AMAZON COM INC. COMMON STOCK 023135106   858,781 4,761 SH   SOLE   4,761 0 0
AMAZON COM INC. COMMON STOCK 023135106   72,149 400 SH   DFND   180 0 220
AMETEK INC NEW COM COMMON STOCK 031100100   347,510 1,900 SH   DFND   1,900 0 0
AMGEN INC COM COMMON STOCK 031162100   411,691 1,448 SH   SOLE   1,448 0 0
AMGEN INC COM COMMON STOCK 031162100   101,502 357 SH   DFND   357 0 0
APPLE INC COMMON STOCK 037833100   20,076,835 117,080 SH   SOLE   117,080 0 0
APPLE INC COMMON STOCK 037833100   6,890,578 40,183 SH   DFND   38,323 0 1,860
AUTOMATIC DATA PROCESSING INCOM COMMON STOCK 053015103   624,350 2,500 SH   SOLE   2,500 0 0
AUTOMATIC DATA PROCESSING INCOM COMMON STOCK 053015103   299,688 1,200 SH   DFND   1,200 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104   902,623 23,810 SH   SOLE   23,810 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104   496,924 13,108 SH   DFND   13,108 0 0
BANK NEW YORK MELLON CORP COMMON STOCK 064058100   321,631 5,583 SH   SOLE   5,583 0 0
BANK NEW YORK MELLON CORP COMMON STOCK 064058100   86,415 1,500 SH   DFND   1,500 0 0
BAXTER INTL INC COM COMMON STOCK 071813109   900,689 21,079 SH   SOLE   21,079 0 0
BAXTER INTL INC COM COMMON STOCK 071813109   83,023 1,943 SH   DFND   1,943 0 0
BERKSHIRE HATHAWAY INC. DELWARE CL COMMON STOCK 084670108   3,172,200 5 SH   SOLE   5 0 0
BERKSHIRE HATHAWAY INC DEL COMMON STOCK 084670702   1,093,320 2,600 SH   SOLE   2,600 0 0
BLACKROCK SBI MUTUAL FUNDS - FIXED INCOME 09249E101   808,047 74,821 SH   SOLE   74,821 0 0
BLACKROCK SBI MUTUAL FUNDS - FIXED INCOME 09249E101   37,194 3,444 SH   DFND   3,444 0 0
BOEING CO COM COMMON STOCK 097023105   185,844 963 SH   SOLE   963 0 0
BOEING CO COM COMMON STOCK 097023105   28,948 150 SH   DFND   150 0 0
BRISTOL MYERS SQUIBB CO COM COMMON STOCK 110122108   1,488,760 27,458 SH   SOLE   27,458 0 0
BRISTOL MYERS SQUIBB CO COM COMMON STOCK 110122108   143,683 2,650 SH   DFND   2,650 0 0
THE CIGNA GROUP COMMON STOCK 125523100   531,332 1,463 SH   SOLE   1,463 0 0
THE CIGNA GROUP COMMON STOCK 125523100   3,268 9 SH   DFND   9 0 0
CVS HEALTH CORPORATION COMMON STOCK 126650100   371,840 4,662 SH   SOLE   4,662 0 0
CVS HEALTH CORPORATION COMMON STOCK 126650100   377,663 4,735 SH   DFND   4,735 0 0
CATERPILLAR INC COM COMMON STOCK 149123101   1,236,296 3,374 SH   SOLE   3,374 0 0
CATERPILLAR INC COM COMMON STOCK 149123101   2,217,573 6,052 SH   DFND   5,122 0 930
CHEVRON CORPORATION COMMON STOCK 166764100   3,732,253 23,661 SH   SOLE   23,661 0 0
CHEVRON CORPORATION COMMON STOCK 166764100   759,516 4,815 SH   DFND   4,815 0 0
CISCO SYS INC COM COMMON STOCK 17275R102   381,332 7,642 SH   SOLE   7,642 0 0
COCA COLA CO COM COMMON STOCK 191216100   712,375 11,644 SH   SOLE   11,644 0 0
COCA COLA CO COM COMMON STOCK 191216100   70,601 1,154 SH   DFND   1,154 0 0
COLGATE PALMOLIVE CO COM COMMON STOCK 194162103   398,828 4,429 SH   SOLE   4,429 0 0
COMCAST CORP CLASS A COMMON STOCK 20030N101   683,289 15,766 SH   SOLE   15,766 0 0
CONOCOPHILLIPS COM COMMON STOCK 20825C104   1,628,664 12,796 SH   SOLE   12,796 0 0
CONOCOPHILLIPS COM COMMON STOCK 20825C104   16,546 130 SH   DFND   130 0 0
CONSTELLATION BRANDS INC COMMON STOCK 21036P108   223,655 823 SH   SOLE   823 0 0
CONSTELLATION ENERGY CORP NPV COMMON STOCK 21037T109   441,048 2,386 SH   SOLE   2,386 0 0
CORNING INC COM COMMON STOCK 219350105   1,236,804 37,536 SH   SOLE   37,536 0 0
CORNING INC COM COMMON STOCK 219350105   275,132 8,350 SH   DFND   8,350 0 0
CORTEVA INC COMMON STOCK 22052L104   644,314 11,173 SH   SOLE   11,173 0 0
CORTEVA INC COMMON STOCK 22052L104   46,538 807 SH   DFND   807 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105   688,664 940 SH   SOLE   940 0 0
DEERE & CO COM COMMON STOCK 244199105   657,163 1,600 SH   SOLE   1,600 0 0
DEERE & CO COM COMMON STOCK 244199105   22,590 55 SH   DFND   55 0 0
DEVON ENERGY CORP NEW COMMON STOCK 25179M103   5,018 100 SH   SOLE   100 0 0
DEVON ENERGY CORP NEW COMMON STOCK 25179M103   196,153 3,909 SH   DFND   3,909 0 0
DIMENSIONAL US EQUITY ETF TR ETF - EQUITY LARGE CAP 25434V401   1,632,583 28,657 SH   SOLE   28,657 0 0
DIMENSIONAL US EQUITY ETF TR ETF - EQUITY LARGE CAP 25434V401   125,334 2,200 SH   DFND   2,200 0 0
DISNEY (WALT) COMPANY HOLDING CO COMMON STOCK 254687106   1,688,918 13,803 SH   SOLE   13,803 0 0
DISNEY (WALT) COMPANY HOLDING CO COMMON STOCK 254687106   49,555 405 SH   DFND   405 0 0
DOMINION ENERGY INC NPV COMMON STOCK 25746U109   124,325 2,528 SH   SOLE   2,528 0 0
DOMINION ENERGY INC NPV COMMON STOCK 25746U109   172,130 3,500 SH   DFND   3,500 0 0
DOW INC COMMON STOCK 260557103   648,259 11,191 SH   SOLE   11,191 0 0
DOW INC COMMON STOCK 260557103   46,748 807 SH   DFND   807 0 0
DUKE ENERGY CORP NEW COMMON STOCK 26441C204   716,795 7,412 SH   SOLE   7,412 0 0
DUKE ENERGY CORP NEW COMMON STOCK 26441C204   110,152 1,139 SH   DFND   1,139 0 0
DUPONT DE NEMOURS INC. COMMON STOCK 26614N102   857,598 11,186 SH   SOLE   11,186 0 0
DUPONT DE NEMOURS INC. COMMON STOCK 26614N102   61,871 807 SH   DFND   807 0 0
EMERSON ELEC CO COM COMMON STOCK 291011104   1,710,936 15,085 SH   SOLE   15,085 0 0
EMERSON ELEC CO COM COMMON STOCK 291011104   468,991 4,135 SH   DFND   3,135 0 1,000
ESSENTIAL UTILITIES INC COMMON STOCK 29670G102   3,939,773 106,366 SH   SOLE   106,366 0 0
ESSENTIAL UTILITIES INC COMMON STOCK 29670G102   564,412 15,238 SH   DFND   15,238 0 0
EXELON CORP COMMON STOCK 30161N101   327,553 8,721 SH   SOLE   8,721 0 0
EXXON MOBIL CORP COM COMMON STOCK 30231G102   5,173,468 44,507 SH   SOLE   44,507 0 0
EXXON MOBIL CORP COM COMMON STOCK 30231G102   1,035,116 8,905 SH   DFND   7,905 0 1,000
META PLATFORMS INC COMMON STOCK 30303M102   328,734 677 SH   SOLE   677 0 0
FISERV INC COM COMMON STOCK 337738108   684,029 4,280 SH   SOLE   4,280 0 0
GE HEALTHCARE TECHNOLOGIES INC COMMON STOCK 36266G107   264,755 2,913 SH   SOLE   2,913 0 0
GE HEALTHCARE TECHNOLOGIES INC COMMON STOCK 36266G107   22,448 247 SH   DFND   247 0 0
GENERAL ELECTRIC CO. COMMON STOCK 369604301   1,582,709 9,017 SH   SOLE   9,017 0 0
GENERAL ELECTRIC CO. COMMON STOCK 369604301   188,690 1,075 SH   DFND   1,075 0 0
GENERAL MLS INC COM COMMON STOCK 370334104   143,785 2,055 SH   SOLE   2,055 0 0
GENERAL MLS INC COM COMMON STOCK 370334104   211,309 3,020 SH   DFND   3,020 0 0
GENUINE PARTS CO COMMON COMMON STOCK 372460105   232,395 1,500 SH   DFND   1,500 0 0
H P INC COMMON STOCK 40434L105   456,920 15,125 SH   SOLE   15,125 0 0
H P INC COMMON STOCK 40434L105   105,735 3,500 SH   DFND   3,500 0 0
THE HERSHEY COMPANY COM COMMON STOCK 427866108   314,311 1,616 SH   SOLE   1,616 0 0
HEWLETT PACKARD ENTERPRISE CO COMMON STOCK 42824C109   267,994 15,124 SH   SOLE   15,124 0 0
HEWLETT PACKARD ENTERPRISE CO COMMON STOCK 42824C109   62,020 3,500 SH   DFND   3,500 0 0
HOME DEPOT INC COM COMMON STOCK 437076102   9,833,277 25,635 SH   SOLE   25,635 0 0
HOME DEPOT INC COM COMMON STOCK 437076102   957,439 2,496 SH   DFND   2,496 0 0
HONEYWELL INTL INC COM COMMON STOCK 438516106   4,053,250 19,748 SH   SOLE   19,748 0 0
HONEYWELL INTL INC COM COMMON STOCK 438516106   1,004,079 4,892 SH   DFND   4,064 0 828
ILLINOIS TOOL WKS INC COM COMMON STOCK 452308109   545,762 2,034 SH   SOLE   2,034 0 0
INTEL CORP COM COMMON STOCK 458140100   1,259,431 28,520 SH   SOLE   28,520 0 0
INTEL CORP COM COMMON STOCK 458140100   150,806 3,415 SH   DFND   3,415 0 0
INTERNATIONAL BUSINESS MACHSCOM COMMON STOCK 459200101   1,108,324 5,804 SH   SOLE   5,804 0 0
INTERNATIONAL BUSINESS MACHSCOM COMMON STOCK 459200101   250,730 1,313 SH   DFND   1,300 0 13
INVESCO WATER RESOURCES ETF ETF - EQUITY SMALL CAP 46137V142   8,527,437 128,117 SH   SOLE   128,117 0 0
INVESCO WATER RESOURCES ETF ETF - EQUITY SMALL CAP 46137V142   677,646 10,181 SH   DFND   7,681 0 2,500
INVESCO PREFERRED ETF ETF - FIXED INCOME 46138E511   7,538,119 634,529 SH   SOLE   634,529 0 0
INVESCO PREFERRED ETF ETF - FIXED INCOME 46138E511   376,831 31,720 SH   DFND   23,220 0 8,500
I SHARES CORE S & P TOTAL U S STOCK MARKET ETF - EQUITY LARGE CAP 464287150   2,391,896 20,745 SH   SOLE   20,745 0 0
I SHARES SELECT DIVIDEND ETF ETF - EQUITY LARGE CAP 464287168   21,909,752 177,869 SH   SOLE   177,869 0 0
I SHARES SELECT DIVIDEND ETF ETF - EQUITY LARGE CAP 464287168   1,781,426 14,462 SH   DFND   13,462 0 1,000
I SHRS TIPS BOND ETF ETF - FIXED INCOME 464287176   9,577,410 89,168 SH   SOLE   89,168 0 0
I SHRS TIPS BOND ETF ETF - FIXED INCOME 464287176   540,377 5,031 SH   DFND   3,231 0 1,800
I SHARES CORE S & P 500 ETF ETF - EQUITY LARGE CAP 464287200   399,013 759 SH   SOLE   759 0 0
ISHARES S & P GROWTH ETF ETF - EQUITY LARGE CAP 464287309   1,455,406 17,236 SH   SOLE   17,236 0 0
ISHARES S & P GROWTH ETF ETF - EQUITY LARGE CAP 464287309   3,799 45 SH   DFND   45 0 0
I SHARES S & P 500 VALUE ETF ETF - EQUITY LARGE CAP 464287408   406,685 2,177 SH   SOLE   2,177 0 0
I SHARES MSCI EAFE ETF ETF - FOREIGN EQUITY 464287465   449,366 5,627 SH   SOLE   5,627 0 0
I SHARES RUSSELL MID-CAP ETF ETF - EQUITY MID CAP 464287499   449,372 5,344 SH   SOLE   5,344 0 0
I SHARES CORE S & P MID-CAP ETF ETF - EQUITY MID CAP 464287507   280,918 4,625 SH   SOLE   4,625 0 0
I SHARES S & P MIDCAP 400 GROWTH ETF ETF - EQUITY MID CAP 464287606   297,018 3,255 SH   SOLE   3,255 0 0
I SHARES RUSSELL 1000 GROWTH ETF ETF - EQUITY SMALL CAP 464287614   249,746 741 SH   SOLE   741 0 0
I SHARES S & P MID CAP 400 VALUE ETF ETF - EQUITY MID CAP 464287705   253,376 2,142 SH   SOLE   2,142 0 0
I SHARES CORE S & P SMALL CAP ETF ETF - EQUITY SMALL CAP 464287804   631,944 5,718 SH   SOLE   5,718 0 0
I SHRS MOMENTUM ETF - EQUITY LARGE CAP 46432F396   867,412 4,630 SH   SOLE   4,630 0 0
I SHARES MSCI EAFE CORE ETF - FOREIGN EQUITY 46432F842   18,965,658 255,536 SH   SOLE   255,536 0 0
I SHARES MSCI EAFE CORE ETF - FOREIGN EQUITY 46432F842   1,346,416 18,141 SH   DFND   16,001 0 2,140
I SHRS CONVERTIBLE BOND ETF ETF - FIXED INCOME 46435G102   184,403 2,310 SH   SOLE   2,310 0 0
I SHRS CONVERTIBLE BOND ETF ETF - FIXED INCOME 46435G102   29,936 375 SH   DFND   375 0 0
J P MORGAN CHASE & CO COMMON STOCK 46625H100   1,726,782 8,621 SH   SOLE   8,621 0 0
J P MORGAN CHASE & CO COMMON STOCK 46625H100   13,019 65 SH   DFND   65 0 0
JOHNSON & JOHNSON COM COMMON STOCK 478160104   5,229,398 33,058 SH   SOLE   33,058 0 0
JOHNSON & JOHNSON COM COMMON STOCK 478160104   1,318,984 8,338 SH   DFND   7,488 0 850
KIMBERLY-CLARK CORP COM COMMON STOCK 494368103   2,591,633 20,036 SH   SOLE   20,036 0 0
KIMBERLY-CLARK CORP COM COMMON STOCK 494368103   332,429 2,570 SH   DFND   2,570 0 0
L3HARRIS TECHNOLOGIES INC COMMON STOCK 502431109   311,977 1,464 SH   SOLE   1,464 0 0
ELI LILLY & CO COM COMMON STOCK 532457108   2,243,634 2,884 SH   SOLE   2,884 0 0
ELI LILLY & CO COM COMMON STOCK 532457108   466,776 600 SH   DFND   0 0 600
LOCKHEED MARTIN CORP COM COMMON STOCK 539830109   1,330,913 2,926 SH   SOLE   2,926 0 0
LOCKHEED MARTIN CORP COM COMMON STOCK 539830109   34,114 75 SH   DFND   75 0 0
LOWES COS INC COM COMMON STOCK 548661107   348,214 1,367 SH   SOLE   1,367 0 0
MANULIFE FINANCIAL FOREIGN EQUITIES 56501R106   257,443 10,306 SH   SOLE   10,306 0 0
MANULIFE FINANCIAL FOREIGN EQUITIES 56501R106   14,638 586 SH   DFND   586 0 0
MCDONALDS CORP COM COMMON STOCK 580135101   3,079,327 10,922 SH   SOLE   10,922 0 0
MCDONALDS CORP COM COMMON STOCK 580135101   514,538 1,825 SH   DFND   1,015 0 810
MCKESSON CORP USD COMMON STOCK 58155Q103   409,608 763 SH   SOLE   763 0 0
MERCK & CO INC NEW COMMON STOCK 58933Y105   4,289,807 32,511 SH   SOLE   32,511 0 0
MERCK & CO INC NEW COMMON STOCK 58933Y105   552,869 4,190 SH   DFND   4,190 0 0
MICROSOFT CORP COM COMMON STOCK 594918104   14,794,636 35,166 SH   SOLE   35,166 0 0
MICROSOFT CORP COM COMMON STOCK 594918104   3,140,174 7,464 SH   DFND   6,714 0 750
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105   418,950 5,985 SH   SOLE   5,985 0 0
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105   130,270 1,861 SH   DFND   1,861 0 0
MOODYS CORP COMMON STOCK 615369105   235,812 600 SH   DFND   600 0 0
NEXTERA ENERGY INC COM COMMON STOCK 65339F101   1,747,598 27,349 SH   SOLE   27,349 0 0
NEXTERA ENERGY INC COM COMMON STOCK 65339F101   278,604 4,360 SH   DFND   4,360 0 0
NUVEEN SELECT TAX-FREE INCOME PORTFOLIO MUTUAL FUNDS-NON TAX 67062F100   132,848 9,200 SH   SOLE   9,200 0 0
NUVEEN SELECT TAX-FREE INCOME PORTFOLIO MUTUAL FUNDS-NON TAX 67062F100   207,214 14,350 SH   DFND   14,350 0 0
NVIDIA CORPORATION COMMON STOCK 67066G104   5,126,740 5,674 SH   SOLE   5,674 0 0
NUVEEN CREDIT STRATEGIES INCOME FUND PREFERRED STOCK 67073D102   645,293 115,853 SH   SOLE   115,853 0 0
NUVEEN CREDIT STRATEGIES INCOME FUND PREFERRED STOCK 67073D102   39,658 7,120 SH   DFND   7,120 0 0
ONEOK INC NEW COMMON COMMON STOCK 682680103   232,813 2,904 SH   SOLE   2,904 0 0
ORACLE CORP COM COMMON STOCK 68389X105   219,817 1,750 SH   SOLE   1,750 0 0
ORACLE CORP COM COMMON STOCK 68389X105   628,050 5,000 SH   DFND   5,000 0 0
PNC FINL SVCS GROUP INC COM COMMON STOCK 693475105   1,534,713 9,497 SH   SOLE   9,497 0 0
PNC FINL SVCS GROUP INC COM COMMON STOCK 693475105   234,320 1,450 SH   DFND   1,450 0 0
PPG INDS INC COM COMMON STOCK 693506107   361,525 2,495 SH   SOLE   2,495 0 0
PPL CORP COMMON COMMON STOCK 69351T106   418,218 15,197 SH   SOLE   15,197 0 0
PPL CORP COMMON COMMON STOCK 69351T106   64,121 2,330 SH   DFND   2,330 0 0
PEPSICO INC COM COMMON STOCK 713448108   6,965,856 39,803 SH   SOLE   39,803 0 0
PEPSICO INC COM COMMON STOCK 713448108   600,106 3,429 SH   DFND   2,629 0 800
PFIZER INC COM COMMON STOCK 717081103   1,335,388 48,123 SH   SOLE   48,123 0 0
PFIZER INC COM COMMON STOCK 717081103   196,080 7,066 SH   DFND   7,066 0 0
PHILLIP MORRIS INTERNATIONALINC COMMON STOCK 718172109   717,927 7,836 SH   SOLE   7,836 0 0
PHILLIP MORRIS INTERNATIONALINC COMMON STOCK 718172109   327,907 3,579 SH   DFND   2,929 0 650
PHILLIPS 66 COMMON STOCK 718546104   1,023,474 6,266 SH   SOLE   6,266 0 0
PHILLIPS 66 COMMON STOCK 718546104   18,784 115 SH   DFND   115 0 0
PROCTER AND GAMBLE CO COM COMMON STOCK 742718109   4,853,529 29,914 SH   SOLE   29,914 0 0
PROCTER AND GAMBLE CO COM COMMON STOCK 742718109   1,290,698 7,955 SH   DFND   6,955 0 1,000
PROSHARES ULTRA S & P 500 EFT ETF - EQUITY LARGE CAP 74347R107   624,811 8,060 SH   SOLE   8,060 0 0
PUBLIC SVC ENTERPRISE GRP INCOM COMMON STOCK 744573106   236,096 3,536 SH   SOLE   3,536 0 0
PUBLIC SVC ENTERPRISE GRP INCOM COMMON STOCK 744573106   62,496 936 SH   DFND   936 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101   344,861 3,536 SH   SOLE   3,536 0 0
SCHLUMBERGER LTD COM STK COMMON STOCK 806857108   277,061 5,055 SH   SOLE   5,055 0 0
SCHLUMBERGER LTD COM STK COMMON STOCK 806857108   9,591 175 SH   DFND   175 0 0
HEALTH CARE SELECT SECTOR SPDR FUND COMMON STOCK 81369Y209   244,935 1,658 SH   SOLE   1,658 0 0
SOUTHERN CO COM COMMON STOCK 842587107   237,458 3,310 SH   SOLE   3,310 0 0
SOUTHERN CO COM COMMON STOCK 842587107   138,099 1,925 SH   DFND   1,925 0 0
TARGET CORP COMMON STOCK 87612E106   4,464,067 25,191 SH   SOLE   25,191 0 0
TARGET CORP COMMON STOCK 87612E106   236,752 1,336 SH   DFND   1,336 0 0
3M CO COMMON COMMON STOCK 88579Y101   1,454,828 13,716 SH   SOLE   13,716 0 0
3M CO COMMON COMMON STOCK 88579Y101   185,091 1,745 SH   DFND   1,745 0 0
TOYOTA MOTOR CORP FOREIGN EQUITIES 892331307   276,848 1,100 SH   DFND   1,100 0 0
UNION PAC CORP COM COMMON STOCK 907818108   203,873 829 SH   SOLE   829 0 0
VANECK VEC AGRIBUSINESS ETF ETF - EQUITY LARGE CAP 92189F700   1,627,361 21,661 SH   SOLE   21,661 0 0
VANECK VEC AGRIBUSINESS ETF ETF - EQUITY LARGE CAP 92189F700   67,992 905 SH   DFND   905 0 0
VANGUARD INTERMEDIATE TERM BOND INDEX ETF ETF - FIXED INCOME 921937819   24,441,267 324,155 SH   SOLE   324,155 0 0
VANGUARD INTERMEDIATE TERM BOND INDEX ETF ETF - FIXED INCOME 921937819   1,237,162 16,408 SH   DFND   12,908 0 3,500
VANGUARD FTSE DEVELOPED MARKET ETF ETF - FOREIGN EQUITY 921943858   1,441,847 28,745 SH   SOLE   28,745 0 0
VANGUARD FTSE DEVELOPED MARKET ETF ETF - FOREIGN EQUITY 921943858   17,556 350 SH   DFND   350 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF - FOREIGN EQUITY 922042858   948,433 22,707 SH   SOLE   22,707 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF - FOREIGN EQUITY 922042858   18,962 454 SH   DFND   454 0 0
VANGUARD SHORT TERM CORP BD ETF #3145 ETF - FIXED INCOME 92206C409   45,487,502 588,381 SH   SOLE   588,381 0 0
VANGUARD SHORT TERM CORP BD ETF #3145 ETF - FIXED INCOME 92206C409   4,215,778 54,531 SH   DFND   40,049 0 14,482
VANGUARD REIT INDEX #0986 ETF - EQUITY LARGE CAP 922908553   1,592,410 18,416 SH   SOLE   18,416 0 0
VANGUARD REIT INDEX #0986 ETF - EQUITY LARGE CAP 922908553   142,069 1,643 SH   DFND   1,643 0 0
VANGUARD TOTAL STOCK MARKET ETF ETF - EQUITY LARGE CAP 922908769   123,534,575 475,335 SH   SOLE   475,335 0 0
VANGUARD TOTAL STOCK MARKET ETF ETF - EQUITY LARGE CAP 922908769   3,864,815 14,871 SH   DFND   14,413 0 458
VERIZON COMMUNICATIONS INC COMMON STOCK 92343V104   2,956,966 70,489 SH   SOLE   70,489 0 0
VERIZON COMMUNICATIONS INC COMMON STOCK 92343V104   162,092 3,864 SH   DFND   3,864 0 0
VISA INC. COMMON STOCK 92826C839   291,904 1,046 SH   SOLE   1,046 0 0
WALMART INC COM COMMON STOCK 931142103   1,600,571 26,601 SH   SOLE   26,601 0 0
WALMART INC COM COMMON STOCK 931142103   90,254 1,500 SH   DFND   1,500 0 0
WASTE MANAGEMENT INC NEW COMMON STOCK 94106L109   223,807 1,050 SH   SOLE   1,050 0 0
WELLS FARGO & CO NEW COMMON STOCK 949746101   365,836 6,313 SH   SOLE   6,313 0 0
WELLS FARGO & CO NEW COMMON STOCK 949746101   56,501 975 SH   DFND   975 0 0
XCEL ENERGY INC COM COMMON STOCK 98389B100   501,052 9,322 SH   SOLE   9,322 0 0
XCEL ENERGY INC COM COMMON STOCK 98389B100   21,285 396 SH   DFND   396 0 0
YUM BRANDS INC COMMON STOCK 988498101   1,073,700 7,744 SH   SOLE   7,744 0 0
YUM BRANDS INC COMMON STOCK 988498101   217,957 1,572 SH   DFND   572 0 1,000
YUM CHINA HOLDINGS INC FOREIGN EQUITIES 98850P109   311,585 7,831 SH   SOLE   7,831 0 0
YUM CHINA HOLDINGS INC FOREIGN EQUITIES 98850P109   62,549 1,572 SH   DFND   572 0 1,000
ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102   347,616 2,634 SH   SOLE   2,634 0 0
ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102   28,901 219 SH   DFND   219 0 0