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
ALLEGION PLC FOREIGN EQUITIES G0176J109 33 331 SH   SOLE 0 331 0 0
AMCOR PLC FOREIGN EQUITIES G0250X107 1,126 101,879 SH   SOLE 0 101,879 0 0
AMCOR PLC FOREIGN EQUITIES G0250X107 118 10,680 SH   DFND 0 10,680 0 0
BROOKFIELD BUSINESS PARTNERS LP LTD FOREIGN EQUITIES G16234109 1 20 SH   DFND 0 20 0 0
BROOKFIELD PROPERTY PARTNERS FOREIGN EQUITIES G16249107 0 38 SH   DFND 0 38 0 0
BROOKFIELD INFRASTRUCTURE PARTNERS LP FOREIGN EQUITIES G16252101 2 40 SH   DFND 0 40 0 0
EATON CORP PLC FOREIGN EQUITIES G29183103 20 200 SH   SOLE 0 200 0 0
EATON CORP PLC FOREIGN EQUITIES G29183103 189 1,848 SH   DFND 0 1,848 0 0
IHS MARKIT LTD. FOREIGN EQUITIES G47567105 8 107 SH   SOLE 0 107 0 0
LINDE PLC FOREIGN EQUITIES G5494J103 58 243 SH   SOLE 0 243 0 0
MEDTRONIC PLC FOREIGN EQUITIES G5960L103 676 6,506 SH   SOLE 0 6,506 0 0
MEDTRONIC PLC FOREIGN EQUITIES G5960L103 46 440 SH   DFND 0 440 0 0
TRANE TECHNOLOGIES PLC FOREIGN EQUITIES G8994E103 151 1,242 SH   SOLE 0 1,242 0 0
WHITE MTNS INS GROUP LTD COMMON STOCK G9618E107 78 100 SH   DFND 0 100 0 0
CHUBB LTD FOREIGN EQUITIES H1467J104 1,126 9,700 SH   SOLE 0 9,700 0 0
CHUBB LTD FOREIGN EQUITIES H1467J104 168 1,451 SH   DFND 0 1,451 0 0
ABB LTD ADR FOREIGN EQUITIES 000375204 4 150 SH   SOLE 0 150 0 0
AGCO CORP COMMON STOCK 001084102 7 100 SH   DFND 0 100 0 0
AT&T INC COMMON STOCK 00206R102 6,705 235,257 SH   SOLE 0 235,257 0 0
AT&T INC COMMON STOCK 00206R102 1,472 51,651 SH   DFND 0 51,651 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100 4,989 45,838 SH   SOLE 0 45,838 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100 748 6,870 SH   DFND 0 6,870 0 0
ABBVIE INC COMMON STOCK 00287Y109 4,995 57,032 SH   SOLE 0 57,032 0 0
ABBVIE INC COMMON STOCK 00287Y109 788 8,996 SH   DFND 0 8,996 0 0
ADOBE INC COMMON STOCK 00724F101 587 1,197 SH   SOLE 0 1,197 0 0
AGILENT TECHNOLOGIES INC COMMON STOCK 00846U101 8 76 SH   DFND 0 76 0 0
AGENUS INC COMMON STOCK 00847G705 1 300 SH   SOLE 0 300 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 776 2,604 SH   SOLE 0 2,604 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 357 1,200 SH   DFND 0 1,200 0 0
ALBEMARLE CORP COMMON STOCK 012653101 591 6,615 SH   SOLE 0 6,615 0 0
ALBEMARLE CORP COMMON STOCK 012653101 232 2,600 SH   DFND 0 2,600 0 0
THE ALLSTATE CORPORATION COMMON STOCK 020002101 38 400 SH   DFND 0 400 0 0
ALPHABET INC CLASS C COMMON STOCK 02079K107 595 405 SH   SOLE 0 405 0 0
ALPHABET INC CLASS C COMMON STOCK 02079K107 181 123 SH   DFND 0 123 0 0
ALPHABET INC CLASS A COMMON STOCK 02079K305 1,631 1,113 SH   SOLE 0 1,113 0 0
ALPHABET INC CLASS A COMMON STOCK 02079K305 337 230 SH   DFND 0 230 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 448 11,608 SH   SOLE 0 11,608 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 79 2,049 SH   DFND 0 2,049 0 0
AMAZON.COM INC COMMON STOCK 023135106 2,418 768 SH   SOLE 0 768 0 0
AMAZON.COM INC COMMON STOCK 023135106 435 138 SH   DFND 0 138 0 0
AMEREN CORPORATION COMMON STOCK 023608102 198 2,498 SH   SOLE 0 2,498 0 0
AMERICAN ELECTRIC POWER CO COMMON STOCK 025537101 417 5,107 SH   SOLE 0 5,107 0 0
AMERICAN ELECTRIC POWER CO COMMON STOCK 025537101 255 3,120 SH   DFND 0 3,120 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 882 8,798 SH   SOLE 0 8,798 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 16 162 SH   DFND 0 162 0 0
AMERICAN INTL GROUP INC W EXP 01/19/21 WARRANTS & RIGHTS 026874156 0 10 SH   DFND 0 10 0 0
AMERICAN TOWER CORP COMMON STOCK 03027X100 500 2,070 SH   SOLE 0 2,070 0 0
AMERICAN TOWER CORP COMMON STOCK 03027X100 725 3,000 SH   DFND 0 3,000 0 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103 290 2,000 SH   DFND 0 2,000 0 0
AMETEK INC COMMON STOCK 031100100 696 7,000 SH   DFND 0 7,000 0 0
AMGEN INC COMMON STOCK 031162100 2,171 8,541 SH   SOLE 0 8,541 0 0
AMGEN INC COMMON STOCK 031162100 667 2,625 SH   DFND 0 2,625 0 0
ANALOG DEVICES INC COMMON STOCK 032654105 22 186 SH   SOLE 0 186 0 0
ANNALY CAPITAL MANAGEMENT COMMON STOCK 035710409 11 1,500 SH   SOLE 0 1,500 0 0
ANTHEM INC COMMON STOCK 036752103 602 2,240 SH   SOLE 0 2,240 0 0
APPLE INC COMMON STOCK 037833100 49,670 428,890 SH   SOLE 0 428,890 0 0
APPLE INC COMMON STOCK 037833100 1,254 10,824 SH   DFND 0 10,824 0 0
APPLIED DNA SCIENCES, INC. COMMON STOCK 03815U300 0 1 SH   SOLE 0 1 0 0
ARROW FINANCIAL CORPORATION COMMON STOCK 042744102 90 3,592 SH   SOLE 0 3,592 0 0
ARROW FINANCIAL CORPORATION COMMON STOCK 042744102 14 561 SH   DFND 0 561 0 0
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 2,050 14,694 SH   SOLE 0 14,694 0 0
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 476 3,410 SH   DFND 0 3,410 0 0
BCE INC FOREIGN EQUITIES 05534B760 119 2,860 SH   SOLE 0 2,860 0 0
BCE INC FOREIGN EQUITIES 05534B760 14 340 SH   DFND 0 340 0 0
BP PLC ADR FOREIGN EQUITIES 055622104 39 2,260 SH   DFND 0 2,260 0 0
BANK OF AMERICA CORPORATION COMMON STOCK 060505104 645 26,769 SH   SOLE 0 26,769 0 0
BANK OF AMERICA CORPORATION COMMON STOCK 060505104 186 7,721 SH   DFND 0 7,721 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 90 2,611 SH   SOLE 0 2,611 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 12 353 SH   DFND 0 353 0 0
BARRICK GOLD CORPORATION FOREIGN EQUITIES 067901108 6 200 SH   SOLE 0 200 0 0
BAXTER INTERNATIONAL INC COMMON STOCK 071813109 223 2,775 SH   SOLE 0 2,775 0 0
BAXTER INTERNATIONAL INC COMMON STOCK 071813109 12 150 SH   DFND 0 150 0 0
BECTON DICKINSON AND COMPANY COMMON STOCK 075887109 895 3,847 SH   SOLE 0 3,847 0 0
BECTON DICKINSON AND COMPANY COMMON STOCK 075887109 233 1,000 SH   DFND 0 1,000 0 0
BERKSHIRE HATHAWAY INC B COMMON STOCK 084670702 1,208 5,674 SH   SOLE 0 5,674 0 0
BERKSHIRE HATHAWAY INC B COMMON STOCK 084670702 15 70 SH   DFND 0 70 0 0
BERKSHIRE HILLS BANCORP INC COMMON STOCK 084680107 3 264 SH   DFND 0 264 0 0
BHP GROUP LTD ADR FOREIGN EQUITIES 088606108 463 8,960 SH   SOLE 0 8,960 0 0
BHP GROUP LTD ADR FOREIGN EQUITIES 088606108 139 2,690 SH   DFND 0 2,690 0 0
BIOGEN INC COMMON STOCK 09062X103 227 800 SH   DFND 0 800 0 0
BIONTECH SE ADR FOREIGN EQUITIES 09075V102 10 150 SH   SOLE 0 150 0 0
BIONTECH SE ADR FOREIGN EQUITIES 09075V102 14 200 SH   DFND 0 200 0 0
BLACKBERRY LTD NPV FOREIGN EQUITIES 09228F103 1 250 SH   DFND 0 250 0 0
BLACKROCK INC COMMON STOCK 09247X101 383 680 SH   SOLE 0 680 0 0
BLACKROCK INC COMMON STOCK 09247X101 17 30 SH   DFND 0 30 0 0
BLACKROCK ENHANCED EQT DIV ETF/EQUITY 09251A104 42 5,703 SH   DFND 0 5,703 0 0
BLACKSTONE GROUP INC COMMON STOCK 09260D107 76 1,450 SH   SOLE 0 1,450 0 0
BLACKSTONE GROUP INC COMMON STOCK 09260D107 5 100 SH   DFND 0 100 0 0
BLUE APRON HOLDINGS INC COMMON STOCK 09523Q200 0 6 SH   SOLE 0 6 0 0
BOEING COMPANY COMMON STOCK 097023105 563 3,408 SH   SOLE 0 3,408 0 0
BOEING COMPANY COMMON STOCK 097023105 26 155 SH   DFND 0 155 0 0
BOOKING HOLDINGS INC COMMON STOCK 09857L108 7 4 SH   SOLE 0 4 0 0
BORGWARNER INC COMMON STOCK 099724106 4 100 SH   DFND 0 100 0 0
BRIDGE BANCORP INC COMMON STOCK 108035106 3 200 SH   SOLE 0 200 0 0
BRISTOL MYERS SQUIBB COMPANY COMMON STOCK 110122108 4,411 73,172 SH   SOLE 0 73,172 0 0
BRISTOL MYERS SQUIBB COMPANY COMMON STOCK 110122108 8,159 135,325 SH   DFND 0 135,325 0 0
BRISTOL MYERS SQUIBB CO CONTINGENT RIGHTS WARRANTS & RIGHTS 110122157 7 3,200 SH   DFND 0 3,200 0 0
BROOKFIELD ASSET MGMT INC CLASS A FOREIGN EQUITIES 112585104 50 1,525 SH   DFND 0 1,525 0 0
BROOKFIELD INFRASTRUCTURE CO FOREIGN EQUITIES 11275Q107 0 4 SH   DFND 0 4 0 0
C H ROBINSON WORLDWIDE INC COMMON STOCK 12541W209 1,509 14,762 SH   SOLE 0 14,762 0 0
C H ROBINSON WORLDWIDE INC COMMON STOCK 12541W209 96 935 SH   DFND 0 935 0 0
CIGNA CORP NEW COMMON STOCK 125523100 119 700 SH   SOLE 0 700 0 0
CIGNA CORP NEW COMMON STOCK 125523100 165 973 SH   DFND 0 973 0 0
CIT GROUP INC COMMON STOCK 125581801 3 169 SH   SOLE 0 169 0 0
CSX CORP COMMON STOCK 126408103 26 334 SH   SOLE 0 334 0 0
CSX CORP COMMON STOCK 126408103 1,476 19,000 SH   DFND 0 19,000 0 0
CVS HEALTH CORP COMMON STOCK 126650100 2,128 36,443 SH   SOLE 0 36,443 0 0
CVS HEALTH CORP COMMON STOCK 126650100 171 2,920 SH   DFND 0 2,920 0 0
CANADIAN PACIFIC RAILWAY LTD FOREIGN EQUITIES 13645T100 426 1,400 SH   SOLE 0 1,400 0 0
CAPITAL ONE FINANCIAL COMMON STOCK 14040H105 16 223 SH   SOLE 0 223 0 0
CARRIER GLOBAL CORPORATION COMMON STOCK 14448C104 404 13,219 SH   SOLE 0 13,219 0 0
CARRIER GLOBAL CORPORATION COMMON STOCK 14448C104 72 2,351 SH   DFND 0 2,351 0 0
CATERPILLAR INC COMMON STOCK 149123101 2,603 17,453 SH   SOLE 0 17,453 0 0
CATERPILLAR INC COMMON STOCK 149123101 304 2,037 SH   DFND 0 2,037 0 0
CEL SCI CORP COMMON STOCK 150837607 19 1,500 SH   SOLE 0 1,500 0 0
CENTENNIAL RESOURCE DEV INC COMMON STOCK 15136A102 0 200 SH   DFND 0 200 0 0
THE CHEMOURS CO COMMON STOCK 163851108 3 150 SH   SOLE 0 150 0 0
THE CHEMOURS CO COMMON STOCK 163851108 8 360 SH   DFND 0 360 0 0
CHEVRON CORP COMMON STOCK 166764100 2,725 37,842 SH   SOLE 0 37,842 0 0
CHEVRON CORP COMMON STOCK 166764100 366 5,090 SH   DFND 0 5,090 0 0
CHURCH & DWIGHT CO INC COMMON STOCK 171340102 187 2,000 SH   DFND 0 2,000 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 5,758 146,221 SH   SOLE 0 146,221 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 1,223 31,057 SH   DFND 0 31,057 0 0
CITIGROUP INC COMMON STOCK 172967424 96 2,217 SH   SOLE 0 2,217 0 0
CITIGROUP INC COMMON STOCK 172967424 4 100 SH   DFND 0 100 0 0
CLEANSPARK INC COMMON STOCK 18452B209 13 1,005 SH   SOLE 0 1,005 0 0
COCA COLA COMPANY COMMON STOCK 191216100 7,599 153,960 SH   SOLE 0 153,960 0 0
COCA COLA COMPANY COMMON STOCK 191216100 901 18,257 SH   DFND 0 18,257 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 860 11,143 SH   SOLE 0 11,143 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 532 6,896 SH   DFND 0 6,896 0 0
COMCAST CORP CLASS A COMMON STOCK 20030N101 2,838 61,354 SH   SOLE 0 61,354 0 0
COMCAST CORP CLASS A COMMON STOCK 20030N101 230 4,982 SH   DFND 0 4,982 0 0
COMMUNITY BK SYS INC COMMON STOCK 203607106 171 3,142 SH   SOLE 0 37,648 0 0
COMMUNITY BK SYS INC COMMON STOCK 203607106 7,450 136,830 SH   DFND 0 136,830 0 0
CONAGRA FOODS INC COMMON STOCK 205887102 71 2,000 SH   SOLE 0 2,000 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 550 16,740 SH   SOLE 0 16,740 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 145 4,409 SH   DFND 0 4,409 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 317 4,080 SH   SOLE 0 4,080 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 82 1,055 SH   DFND 0 1,055 0 0
CONSTELLATION BRANDS INC CLASS A COMMON STOCK 21036P108 270 1,425 SH   SOLE 0 1,425 0 0
CONSTELLATION BRANDS INC CLASS A COMMON STOCK 21036P108 190 1,000 SH   DFND 0 1,000 0 0
COOPER COMPANIES INC COMMON STOCK 216648402 101 300 SH   DFND 0 300 0 0
CORNING INC COMMON STOCK 219350105 1,019 31,457 SH   SOLE 0 31,457 0 0
CORNING INC COMMON STOCK 219350105 73 2,250 SH   DFND 0 2,250 0 0
CORTEVA INC COMMON STOCK 22052L104 284 9,860 SH   SOLE 0 9,860 0 0
CORTEVA INC COMMON STOCK 22052L104 32 1,098 SH   DFND 0 1,098 0 0
COSTCO COMMON STOCK 22160K105 57 160 SH   SOLE 0 160 0 0
COSTCO COMMON STOCK 22160K105 20 55 SH   DFND 0 55 0 0
CUMMINS INC COMMON STOCK 231021106 2,160 10,227 SH   SOLE 0 10,227 0 0
CUMMINS INC COMMON STOCK 231021106 559 2,645 SH   DFND 0 2,645 0 0
DANAHER CORP COMMON STOCK 235851102 146 680 SH   SOLE 0 680 0 0
DARDEN RESTAURANTS INC COMMON STOCK 237194105 10 100 SH   DFND 0 100 0 0
DEERE & COMPANY COMMON STOCK 244199105 22 100 SH   SOLE 0 100 0 0
DEERE & COMPANY COMMON STOCK 244199105 22 100 SH   DFND 0 100 0 0
DELL TECHNOLOGIES INC COMMON STOCK 24703L202 10 146 SH   SOLE 0 146 0 0
DENTSPLY SIRONA INC COMMON STOCK 24906P109 18 414 SH   SOLE 0 414 0 0
DIAMONDBACK ENERGY, INC. COMMON STOCK 25278X109 8 257 SH   SOLE 0 257 0 0
DIGI INTL INC COMMON STOCK 253798102 6 400 SH   DFND 0 400 0 0
WALT DISNEY CO COMMON STOCK 254687106 4,052 32,655 SH   SOLE 0 32,655 0 0
WALT DISNEY CO COMMON STOCK 254687106 269 2,168 SH   DFND 0 2,168 0 0
DOLLAR GENERAL CORP COMMON STOCK 256677105 453 2,160 SH   SOLE 0 2,160 0 0
DOLLAR GENERAL CORP COMMON STOCK 256677105 63 300 SH   DFND 0 300 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109 3,631 46,004 SH   SOLE 0 46,004 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109 1,141 14,456 SH   DFND 0 14,456 0 0
DORCHESTER MINERALS LP COMMON STOCK 25820R105 628 60,760 SH   SOLE 0 60,760 0 0
DORCHESTER MINERALS LP COMMON STOCK 25820R105 1 100 SH   DFND 0 100 0 0
DOW INC COMMON STOCK 260557103 3,056 64,972 SH   SOLE 0 64,972 0 0
DOW INC COMMON STOCK 260557103 268 5,706 SH   DFND 0 5,706 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204 633 7,146 SH   SOLE 0 7,146 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204 104 1,172 SH   DFND 0 1,172 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102 1,889 34,047 SH   SOLE 0 34,047 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102 233 4,193 SH   DFND 0 4,193 0 0
EOG RESOURCES INC COMMON STOCK 26875P101 64 1,783 SH   SOLE 0 1,783 0 0
EOG RESOURCES INC COMMON STOCK 26875P101 3 80 SH   DFND 0 80 0 0
ETFMG PRIME MOBILE PAYMENTS ETF/EQUITY 26924G409 2,882 52,980 SH   SOLE 0 52,875 0 105
ETFMG PRIME MOBILE PAYMENTS ETF/EQUITY 26924G409 11 210 SH   DFND 0 210 0 0
EASTMAN CHEMICAL CO COMMON STOCK 277432100 219 2,800 SH   SOLE 0 2,800 0 0
EATON VANCE ENHANCED EQ INC CLOSED END MUTUAL FUNDS 278274105 42 2,900 SH   SOLE 0 2,900 0 0
ECOLAB INC COMMON STOCK 278865100 193 964 SH   SOLE 0 964 0 0
ECOLAB INC COMMON STOCK 278865100 150 750 SH   DFND 0 750 0 0
EDISON INTL COMMON STOCK 281020107 157 3,097 SH   DFND 0 3,097 0 0
EMERSON ELECTRIC CO COMMON STOCK 291011104 3,367 51,355 SH   SOLE 0 51,355 0 0
EMERSON ELECTRIC CO COMMON STOCK 291011104 362 5,524 SH   DFND 0 5,524 0 0
ENBRIDGE INC FOREIGN EQUITIES 29250N105 10 349 SH   SOLE 0 349 0 0
ENBRIDGE INC FOREIGN EQUITIES 29250N105 92 3,148 SH   DFND 0 3,148 0 0
ENERGY TRANSFER EQUITY LP COMMON STOCK 29273V100 6 1,090 SH   DFND 0 1,090 0 0
ENTERPRISE PRODS PARTNERS LP COMMON STOCK 293792107 99 6,298 SH   SOLE 0 6,298 0 0
EQUIFAX INC COMMON STOCK 294429105 628 4,000 SH   DFND 0 4,000 0 0
ESSENTIAL UTILITIES INC COMMON STOCK 29670G102 281 6,980 SH   SOLE 0 6,980 0 0
ESSENTIAL UTILITIES INC COMMON STOCK 29670G102 41 1,025 SH   DFND 0 1,025 0 0
EXELON CORP COMMON STOCK 30161N101 1,491 41,711 SH   SOLE 0 41,711 0 0
EXELON CORP COMMON STOCK 30161N101 295 8,250 SH   DFND 0 8,250 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102 2,766 80,597 SH   SOLE 0 80,597 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102 675 19,659 SH   DFND 0 19,659 0 0
FACEBOOK INC CLASS A COMMON STOCK 30303M102 73 280 SH   SOLE 0 280 0 0
FACEBOOK INC CLASS A COMMON STOCK 30303M102 74 283 SH   DFND 0 283 0 0
FASTENAL CO COMMON STOCK 311900104 381 8,452 SH   SOLE 0 8,452 0 0
FASTENAL CO COMMON STOCK 311900104 280 6,200 SH   DFND 0 6,200 0 0
FEDERATED INVESTORS CLASS B COMMON STOCK 314211103 4 200 SH   DFND 0 200 0 0
FEDEX CORP COMMON STOCK 31428X106 54 215 SH   SOLE 0 215 0 0
FIDELITY NATL INFORMATION SV COMMON STOCK 31620M106 442 3,000 SH   DFND 0 3,000 0 0
FIFTH THIRD BANCORP COMMON STOCK 316773100 14 655 SH   DFND 0 655 0 0
FORD MOTOR COMPANY COMMON STOCK 345370860 68 10,200 SH   SOLE 0 10,200 0 0
FORD MOTOR COMPANY COMMON STOCK 345370860 13 2,000 SH   DFND 0 2,000 0 0
FORTUNE BRANDS HOME & SEC COMMON STOCK 34964C106 52 600 SH   SOLE 0 600 0 0
FRANCO NEVADA CORP FOREIGN EQUITIES 351858105 18 132 SH   DFND 0 132 0 0
FRESENIUS MEDICAL CARE AG & CO KGAA FOREIGN EQUITIES 358029106 4 100 SH   DFND 0 100 0 0
GABELLI MULTIMEDIA TR INC MUTUAL FUND LARGE CAP EQUITY 36239Q109 6 898 SH   DFND 0 898 0 0
GABELLI EQUITY TR INC CLOSED END MUTUAL FUNDS 362397101 5 1,000 SH   DFND 0 1,000 0 0
GABELLI UTILITY TRUST MUTUAL FUNDS MID CAP EQUITY 36240A101 7 866 SH   DFND 0 866 0 0
ARTHUR J GALLAGHER & CO COMMON STOCK 363576109 16 150 SH   DFND 0 150 0 0
GAP INC COMMON STOCK 364760108 46 2,700 SH   SOLE 0 2,700 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 911 6,579 SH   SOLE 0 6,579 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 22 157 SH   DFND 0 157 0 0
GENERAL ELECTRIC CO COMMON STOCK 369604103 150 24,113 SH   SOLE 0 24,113 0 0
GENERAL ELECTRIC CO COMMON STOCK 369604103 70 11,228 SH   DFND 0 11,228 0 0
GENERAL MILLS INC COMMON STOCK 370334104 2,289 37,103 SH   SOLE 0 37,103 0 0
GENERAL MILLS INC COMMON STOCK 370334104 523 8,480 SH   DFND 0 8,480 0 0
GENERAL MOTORS CO COMMON STOCK 37045V100 18 597 SH   SOLE 0 597 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 734 11,617 SH   SOLE 0 11,617 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 190 3,000 SH   DFND 0 3,000 0 0
GLAXOSMITHKLINE PLC ADR FOREIGN EQUITIES 37733W105 48 1,275 SH   SOLE 0 1,275 0 0
GLOBAL X ROBOTICS & AI ETF ETF/INTERNATIONAL EQUITY 37954Y715 2,076 74,515 SH   SOLE 0 74,415 0 100
GLOBAL X ROBOTICS & AI ETF ETF/INTERNATIONAL EQUITY 37954Y715 2 60 SH   DFND 0 60 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 63 312 SH   SOLE 0 312 0 0
HALLIBURTON CO COMMON STOCK 406216101 10 800 SH   SOLE 0 800 0 0
JH PREMIUM DIVIDEND FUND CLOSED END MUTUAL FUNDS 41013T105 7 600 SH   SOLE 0 600 0 0
HARLEY DAVIDSON INC COMMON STOCK 412822108 5 200 SH   SOLE 0 200 0 0
HASBRO INC COMMON STOCK 418056107 17 200 SH   DFND 0 200 0 0
HEAT BIOLOGICS INC COMMON STOCK 42237K300 17 13,500 SH   SOLE 0 13,500 0 0
HERSHEY CO COMMON STOCK 427866108 616 4,300 SH   SOLE 0 4,300 0 0
HERSHEY CO COMMON STOCK 427866108 202 1,410 SH   DFND 0 1,410 0 0
HOLLYFRONTIER CORP COMMON STOCK 436106108 21 1,050 SH   SOLE 0 1,050 0 0
HOME DEPOT INC COMMON STOCK 437076102 2,574 9,269 SH   SOLE 0 9,269 0 0
HOME DEPOT INC COMMON STOCK 437076102 264 950 SH   DFND 0 950 0 0
HONEYWELL INTL INC COMMON STOCK 438516106 1,535 9,324 SH   SOLE 0 9,324 0 0
HONEYWELL INTL INC COMMON STOCK 438516106 43 259 SH   DFND 0 259 0 0
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109 3,751 19,413 SH   SOLE 0 19,413 0 0
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109 683 3,533 SH   DFND 0 3,533 0 0
INCYTE CORP COMMON STOCK 45337C102 9 100 SH   SOLE 0 100 0 0
INFINITY PHARMACEUTICALS INC COMMON STOCK 45665G303 14 12,000 SH   SOLE 0 12,000 0 0
INFUSYSTEMS HOLDINGS INC COMMON STOCK 45685K102 38 3,000 SH   SOLE 0 3,000 0 0
INGERSOLL RAND INC COMMON STOCK 45687V106 39 1,095 SH   SOLE 0 1,095 0 0
INTEL CORP COMMON STOCK 458140100 7,702 148,766 SH   SOLE 0 148,766 0 0
INTEL CORP COMMON STOCK 458140100 1,303 25,177 SH   DFND 0 25,177 0 0
INTERCONTINENTALEXCHANGE GRP COMMON STOCK 45866F104 11 113 SH   SOLE 0 113 0 0
INTL BUSINESS MACHINES CORP COMMON STOCK 459200101 6,734 55,349 SH   SOLE 0 55,349 0 0
INTL BUSINESS MACHINES CORP COMMON STOCK 459200101 9,594 78,854 SH   DFND 0 78,854 0 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103 6 156 SH   DFND 0 156 0 0
INVESCO ACTIVELY MANAGD ETF ULTRA SHRT DUR ETF/FIXED INCOME 46090A887 4,447 88,030 SH   SOLE 0 87,830 0 200
INVESCO ACTIVELY MANAGD ETF ULTRA SHRT DUR ETF/FIXED INCOME 46090A887 8 150 SH   DFND 0 150 0 0
INVESCO QQQ TRUST ETF/EQUITY 46090E103 1,631 5,869 SH   SOLE 0 5,861 8 0
INVESCO QQQ TRUST ETF/EQUITY 46090E103 117 420 SH   DFND 0 420 0 0
INVESCO MUNICIPAL TRUST CLOSED END MUTUAL FUNDS 46131J103 6 500 SH   SOLE 0 500 0 0
INVESCO EXCHANGE TRADED FD TR WILDERHIL CLAN ETF/EQUITY 46137V134 20 323 SH   DFND 0 323 0 0
INVESCO EXCHANGE TRADED FD TWATER RES ETF ETF/EQUITY 46137V142 2 50 SH   SOLE 0 50 0 0
INVESCO FTSE RAFI US1000 ETF ETF/EQUITY 46137V613 13 112 SH   SOLE 0 112 0 0
INVESCO EXCH TRADED FD TR IINATL AMT MUNI ETF/EQUITY 46138E537 33 1,250 SH   SOLE 0 1,250 0 0
INVESCO VARIABLE RATE PFD ETF/EQUITY 46138G870 1,600 65,000 SH   SOLE 0 65,000 0 0
INVESCO VARIABLE RATE PFD ETF/EQUITY 46138G870 20 800 SH   DFND 0 800 0 0
INVESCO BULLETSHS CORP 2023 ETF/FIXED INCOME 46138J866 9 430 SH   SOLE 0 430 0 0
IQVIA HLDGS INC COMMON STOCK 46266C105 65 411 SH   SOLE 0 411 0 0
IRIDIUM COMMUNICATIONS INC COMMON STOCK 46269C102 5 200 SH   DFND 0 200 0 0
ISHARES SILVER TRUST ETF/OTHER 46428Q109 16 750 SH   SOLE 0 750 0 0
ISHARES SILVER TRUST ETF/OTHER 46428Q109 40 1,872 SH   DFND 0 1,872 0 0
ISHARES GOLD TRUST ETF/OTHER 464285105 6,972 387,763 SH   SOLE 0 387,463 0 300
ISHARES GOLD TRUST ETF/OTHER 464285105 7 405 SH   DFND 0 405 0 0
ISHARES MSCI CANADA ETF ETF/INTERNATIONAL EQUITY 464286509 232 8,459 SH   SOLE 0 8,459 0 0
ISHARES MSCI MIN VOL EMERGE MARKETS ETF ETF/INTERNATIONAL EQUITY 464286533 2,244 40,675 SH   SOLE 0 40,625 0 50
ISHARES MSCI MIN VOL EMERGE MARKETS ETF ETF/INTERNATIONAL EQUITY 464286533 2 30 SH   DFND 0 30 0 0
ISHARES MSCI EUROZONE ETF ETF/INTERNATIONAL EQUITY 464286608 1,716 45,255 SH   SOLE 0 45,185 0 70
ISHARES MSCI EUROZONE ETF ETF/INTERNATIONAL EQUITY 464286608 2 40 SH   DFND 0 40 0 0
ISHARES CORE S&P TOTAL US STOCK MKT ETF ETF/EQUITY 464287150 9 120 SH   SOLE 0 120 0 0
ISHARES SELECT DIVIDEND ETF ETF/EQUITY 464287168 72 878 SH   SOLE 0 878 0 0
ISHARES TIPS BOND ETF ETF/FIXED INCOME 464287176 789 6,236 SH   SOLE 0 6,236 0 0
ISHARES TIPS BOND ETF ETF/FIXED INCOME 464287176 54 425 SH   DFND 0 425 0 0
ISHARES CORE S&P 500 ETF ETF/EQUITY 464287200 42,671 126,979 SH   SOLE 0 126,950 29 0
ISHARES CORE S&P 500 ETF ETF/EQUITY 464287200 166 495 SH   DFND 0 495 0 0
ISHARES CORE US AGGREGATE BOND ETF ETF/FIXED INCOME 464287226 40 338 SH   SOLE 0 287 51 0
ISHARES CORE US AGGREGATE BOND ETF ETF/FIXED INCOME 464287226 22 187 SH   DFND 0 187 0 0
ISHARES MSCI EMERGING MKTS ETF ETF/INTERNATIONAL EQUITY 464287234 357 8,100 SH   SOLE 0 8,100 0 0
ISHARES MSCI EMERGING MKTS ETF ETF/INTERNATIONAL EQUITY 464287234 6 140 SH   DFND 0 140 0 0
ISHARES IBOXX $ INVMT GRADE CORP BOND ETF ETF/FIXED INCOME 464287242 178 1,321 SH   SOLE 0 1,321 0 0
ISHARES IBOXX $ INVMT GRADE CORP BOND ETF ETF/FIXED INCOME 464287242 57 425 SH   DFND 0 425 0 0
ISHARES S&P 500 GROWTH ETF ETF/EQUITY 464287309 749 3,240 SH   SOLE 0 3,240 0 0
ISHARES S&P 500 GROWTH ETF ETF/EQUITY 464287309 12 50 SH   DFND 0 50 0 0
ISHARES GLOBAL HEALTHCARE ETF/EQUITY 464287325 1,679 23,385 SH   SOLE 0 23,350 0 35
ISHARES GLOBAL HEALTHCARE ETF/EQUITY 464287325 5 70 SH   DFND 0 70 0 0
ISHARES S&P 500 VALUE ETF ETF/EQUITY 464287408 639 5,685 SH   SOLE 0 5,685 0 0
ISHARES S&P 500 VALUE ETF ETF/EQUITY 464287408 12 105 SH   DFND 0 105 0 0
ISHARES 7-10 YEAR TSY BOND ETF/FIXED INCOME 464287440 842 6,910 SH   SOLE 0 6,770 0 140
ISHARES 7-10 YEAR TSY BOND ETF/FIXED INCOME 464287440 12 100 SH   DFND 0 100 0 0
ISHARES 1-3 YR TREASURY BONDETF ETF/FIXED INCOME 464287457 64 741 SH   SOLE 0 741 0 0
ISHARES 1-3 YR TREASURY BONDETF ETF/FIXED INCOME 464287457 125 1,450 SH   DFND 0 1,450 0 0
ISHARES MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 464287465 2,453 38,538 SH   SOLE 0 38,538 0 0
ISHARES MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 464287465 731 11,478 SH   DFND 0 11,478 0 0
ISHARES RUSSELL MIDCAP VALUE ETF/EQUITY 464287473 3,520 43,547 SH   SOLE 0 43,547 0 0
ISHARES RUSSELL MIDCAP VALUE ETF/EQUITY 464287473 139 1,725 SH   DFND 0 1,725 0 0
ISHARES RUSSELL MID GROWTH ETF/EQUITY 464287481 8 45 SH   SOLE 0 45 0 0
ISHARES CORE S&P MIDCAP ETF ETF/EQUITY 464287507 8,737 47,147 SH   SOLE 0 47,122 0 25
ISHARES CORE S&P MIDCAP ETF ETF/EQUITY 464287507 135 731 SH   DFND 0 731 0 0
ISHARES NASDAQ BIOTECHNOLOGYETF ETF/EQUITY 464287556 2,257 16,669 SH   SOLE 0 16,649 0 20
ISHARES NASDAQ BIOTECHNOLOGYETF ETF/EQUITY 464287556 3 25 SH   DFND 0 25 0 0
ISHARES RUSSELL 1000 VALUE ETF/EQUITY 464287598 2,855 24,165 SH   SOLE 0 24,005 0 160
ISHARES RUSSELL 1000 VALUE ETF/EQUITY 464287598 847 7,174 SH   DFND 0 7,174 0 0
ISHARES S&P MIDCAP 400 GROWTH ETF ETF/EQUITY 464287606 405 1,695 SH   SOLE 0 1,695 0 0
ISHARES S&P MIDCAP 400 GROWTH ETF ETF/EQUITY 464287606 36 150 SH   DFND 0 150 0 0
ISHARES RUSSELL 1000 GROWTH ETF ETF/EQUITY 464287614 5,785 26,674 SH   SOLE 0 26,584 0 90
ISHARES RUSSELL 1000 GROWTH ETF ETF/EQUITY 464287614 1,851 8,534 SH   DFND 0 8,534 0 0
ISHARES RUSSELL 2000 VALUE ETF/EQUITY 464287630 21 209 SH   DFND 0 209 0 0
ISHARES RUSSELL 2000 GROWTH ETF ETF/EQUITY 464287648 4 19 SH   SOLE 0 19 0 0
ISHARES RUSSELL 2000 GROWTH ETF ETF/EQUITY 464287648 31 141 SH   DFND 0 141 0 0
ISHARES RUSSELL 2000 ETF ETF/EQUITY 464287655 792 5,288 SH   SOLE 0 5,288 0 0
ISHARES RUSSELL 2000 ETF ETF/EQUITY 464287655 97 649 SH   DFND 0 649 0 0
ISHARES US TELECOM ETF ETF/EQUITY 464287713 2 72 SH   SOLE 0 72 0 0
ISHARES US REAL ESTATE ETF/EQUITY 464287739 117 1,467 SH   SOLE 0 1,467 0 0
ISHARES CORE S&P SMALLCAP ETF ETF/EQUITY 464287804 8,354 118,964 SH   SOLE 0 118,904 0 60
ISHARES CORE S&P SMALLCAP ETF ETF/EQUITY 464287804 1,076 15,323 SH   DFND 0 15,323 0 0
ISHARES MSCI ACWI EX US ETF ETF/INTERNATIONAL EQUITY 464288240 276 6,000 SH   SOLE 0 6,000 0 0
ISHARES MSCI EAFE SMALLCAP ETF ETF/INTERNATIONAL EQUITY 464288273 1 25 SH   SOLE 0 25 0 0
ISHARES NEW YORK MUNI BOND ETF/FIXED INCOME 464288323 289 5,040 SH   SOLE 0 5,040 0 0
ISHARES NATIONAL MUNI BOND ETF ETF/FIXED INCOME 464288414 58 500 SH   SOLE 0 500 0 0
ISHARES IBOXX $ HIGH YIELD CORP BOND ETF ETF/FIXED INCOME 464288513 32 385 SH   SOLE 0 327 58 0
ISHARES IBOXX $ HIGH YIELD CORP BOND ETF ETF/FIXED INCOME 464288513 92 1,093 SH   DFND 0 1,093 0 0
ISHARES INTERM GOVT/CREDIT BOND ETF - GVI ETF/FIXED INCOME 464288612 29 250 SH   SOLE 0 206 44 0
ISHARES INTERMEDIATE CREDIT BOND ETF ETF/FIXED INCOME 464288638 206 3,392 SH   SOLE 0 3,314 78 0
ISHARES INTERMEDIATE CREDIT BOND ETF ETF/FIXED INCOME 464288638 133 2,191 SH   DFND 0 2,191 0 0
ISHARES SHORT TERM CORP BOND ETF/FIXED INCOME 464288646 162 2,957 SH   SOLE 0 2,957 0 0
ISHARES SHORT TERM CORP BOND ETF/FIXED INCOME 464288646 242 4,410 SH   DFND 0 4,410 0 0
ISHARES US PREFERRED STOCK ETF/OTHER 464288687 1,049 28,771 SH   SOLE 0 28,771 0 0
ISHARES US PREFERRED STOCK ETF/OTHER 464288687 96 2,630 SH   DFND 0 2,630 0 0
ISHARES FLOATING RATE BOND ETF/FIXED INCOME 46429B655 1,395 27,500 SH   SOLE 0 27,500 0 0
ISHARES CORE HIGH DIVIDEND ETF/EQUITY 46429B663 72 890 SH   SOLE 0 890 0 0
ISHARES CORE HIGH DIVIDEND ETF/EQUITY 46429B663 19 240 SH   DFND 0 240 0 0
ISHARES EDGE MSCI MIN VOL EAFE ETF ETF/INTERNATIONAL EQUITY 46429B689 6,478 95,079 SH   SOLE 0 94,924 0 155
ISHARES EDGE MSCI MIN VOL EAFE ETF ETF/INTERNATIONAL EQUITY 46429B689 22 329 SH   DFND 0 329 0 0
ISHARES EDGE MSCI MIN VOL USA ETF ETF/EQUITY 46429B697 17,929 281,369 SH   SOLE 0 281,059 0 310
ISHARES EDGE MSCI MIN VOL USA ETF ETF/EQUITY 46429B697 38 600 SH   DFND 0 600 0 0
ISHARES 0-5 YEAR TIPS BOND ETF (STIP) ETF/FIXED INCOME 46429B747 31 294 SH   SOLE 0 294 0 0
ISHARES 0-5 YEAR TIPS BOND ETF (STIP) ETF/FIXED INCOME 46429B747 3 25 SH   DFND 0 25 0 0
ISHARES CORE MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 46432F842 26,695 442,932 SH   SOLE 0 442,757 0 175
ISHARES CORE MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 46432F842 211 3,497 SH   DFND 0 3,497 0 0
ISHARES TRUST CORE SHORT- TERM US BD ETF(ISTB) ETF/FIXED INCOME 46432F859 80 1,549 SH   SOLE 0 1,514 35 0
ISHARES TRUST CORE SHORT- TERM US BD ETF(ISTB) ETF/FIXED INCOME 46432F859 6 116 SH   DFND 0 116 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 46434G103 7,252 137,381 SH   SOLE 0 137,326 0 55
ISHARES CORE MSCI EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 46434G103 9 165 SH   DFND 0 165 0 0
ISHARES ESG MSCI EM ETF ETF/INTERNATIONAL EQUITY 46434G863 375 10,535 SH   SOLE 0 10,535 0 0
ISHARES 0-5 YR INVMT GR CORP ETF/FIXED INCOME 46434V100 44 835 SH   DFND 0 835 0 0
ISHARES TR ESG MSCI USA ETF (ESGU) ETF/EQUITY 46435G425 19 243 SH   DFND 0 243 0 0
ISHARES EDGE MSCI MIN VOL USSMALLCAP ETF/EQUITY 46435G433 1,554 53,184 SH   SOLE 0 53,184 0 0
ISHARES ESG MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 46435G516 331 5,215 SH   SOLE 0 5,215 0 0
JPMORGAN CHASE & CO COMMON STOCK 46625H100 7,492 77,819 SH   SOLE 0 77,819 0 0
JPMORGAN CHASE & CO COMMON STOCK 46625H100 609 6,321 SH   DFND 0 6,321 0 0
JABIL CIRCUIT INC. COMMON STOCK 466313103 7 200 SH   SOLE 0 200 0 0
JP MORGAN ULTRA SHORT INC ETF/FIXED INCOME 46641Q837 4,768 93,870 SH   SOLE 0 93,670 0 200
JP MORGAN ULTRA SHORT INC ETF/FIXED INCOME 46641Q837 6 120 SH   DFND 0 120 0 0
JACOBS ENGR GROUP INC. COMMON STOCK 469814107 18 194 SH   DFND 0 194 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 9,083 61,006 SH   SOLE 0 61,006 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 2,535 17,025 SH   DFND 0 17,025 0 0
JOUNCE THERAPEUTICS INC COMMON STOCK 481116101 16 2,000 SH   SOLE 0 2,000 0 0
KLA CORPORATION COMMON STOCK 482480100 79 410 SH   SOLE 0 410 0 0
KEYCORP COMMON STOCK 493267108 103 8,626 SH   SOLE 0 8,626 0 0
KEYCORP COMMON STOCK 493267108 6 500 SH   DFND 0 500 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 191 1,294 SH   SOLE 0 1,294 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 704 4,765 SH   DFND 0 4,765 0 0
KINDER MORGAN INC COMMON STOCK 49456B101 3 212 SH   SOLE 0 212 0 0
KONTOOR BRANDS INC COMMON STOCK 50050N103 1 41 SH   DFND 0 41 0 0
KRAFT HEINZ COMPANY COMMON STOCK 500754106 52 1,749 SH   SOLE 0 1,749 0 0
KRAFT HEINZ COMPANY COMMON STOCK 500754106 76 2,533 SH   DFND 0 2,533 0 0
KRANESHARES CHINA INTERNET ETF/INTERNATIONAL EQUITY 500767306 1,381 20,250 SH   SOLE 0 20,210 0 40
KRANESHARES CHINA INTERNET ETF/INTERNATIONAL EQUITY 500767306 8 120 SH   DFND 0 120 0 0
KROGER COMPANY COMMON STOCK 501044101 13 370 SH   SOLE 0 370 0 0
L BRANDS INC COM COMMON STOCK 501797104 24 750 SH   SOLE 0 750 0 0
L3HARRIS TECHNOLOGIES INC COMMON STOCK 502431109 5 30 SH   DFND 0 30 0 0
LAMB WESTON HLDGS INC COMMON STOCK 513272104 22 333 SH   SOLE 0 333 0 0
ESTEE LAUDER COMP INC CL A COMMON STOCK 518439104 22 100 SH   SOLE 0 100 0 0
LIBERTY ALL STAR EQUITY FD CLOSED END MUTUAL FUNDS 530158104 43 7,208 SH   DFND 0 7,208 0 0
ELI LILLY AND COMPANY COMMON STOCK 532457108 731 4,939 SH   SOLE 0 4,939 0 0
ELI LILLY AND COMPANY COMMON STOCK 532457108 241 1,631 SH   DFND 0 1,631 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 192 500 SH   SOLE 0 500 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 222 580 SH   DFND 0 580 0 0
LOEWS CORP COMMON STOCK 540424108 45 1,300 SH   DFND 0 1,300 0 0
LOWES COMPANIES INC COMMON STOCK 548661107 3,951 23,823 SH   SOLE 0 23,823 0 0
LOWES COMPANIES INC COMMON STOCK 548661107 204 1,232 SH   DFND 0 1,232 0 0
M & T BANK CORP COMMON STOCK 55261F104 119 1,293 SH   SOLE 0 1,293 0 0
M & T BANK CORP COMMON STOCK 55261F104 743 8,068 SH   DFND 0 8,068 0 0
MACQUARIE INFRASTRUCTURE COR COMMON STOCK 55608B105 13 500 SH   SOLE 0 500 0 0
MAGNA INTERNATIONAL INC FOREIGN EQUITIES 559222401 33 720 SH   SOLE 0 720 0 0
MANULIFE FINL CORP FOREIGN EQUITIES 56501R106 209 15,000 SH   SOLE 0 15,000 0 0
MARATHON OIL CORP COMMON STOCK 565849106 1 145 SH   DFND 0 145 0 0
MARATHON PETROLEUM CORP COMMON STOCK 56585A102 10 344 SH   DFND 0 344 0 0
MARKEL CORPORATION COMMON STOCK 570535104 97 100 SH   DFND 0 100 0 0
MASTERCARD INC CLASS A COMMON STOCK 57636Q104 318 940 SH   SOLE 0 940 0 0
MASTERCARD INC CLASS A COMMON STOCK 57636Q104 17 50 SH   DFND 0 50 0 0
MCDONALDS CORP COMMON STOCK 580135101 3,701 16,861 SH   SOLE 0 16,861 0 0
MCDONALDS CORP COMMON STOCK 580135101 466 2,122 SH   DFND 0 2,122 0 0
MCKESSON CORP COMMON STOCK 58155Q103 40 266 SH   SOLE 0 266 0 0
MCKESSON CORP COMMON STOCK 58155Q103 521 3,500 SH   DFND 0 3,500 0 0
MEDICAL PPTYS TRUST INC COMMON STOCK 58463J304 4 200 SH   DFND 0 200 0 0
MERCK & COMPANY INC COMMON STOCK 58933Y105 8,592 103,584 SH   SOLE 0 103,584 0 0
MERCK & COMPANY INC COMMON STOCK 58933Y105 1,449 17,472 SH   DFND 0 17,472 0 0
METLIFE INC COMMON STOCK 59156R108 7 200 SH   SOLE 0 200 0 0
METTLER-TOLEDO INTL COMMON STOCK 592688105 966 1,000 SH   DFND 0 1,000 0 0
MICROSOFT CORP COMMON STOCK 594918104 14,937 71,018 SH   SOLE 0 71,018 0 0
MICROSOFT CORP COMMON STOCK 594918104 2,245 10,675 SH   DFND 0 10,675 0 0
MILLER INDUSTRIES INC COMMON STOCK 600551204 32 1,054 SH   SOLE 0 1,054 0 0
MODERNA INC COMMON STOCK 60770K107 14 200 SH   SOLE 0 200 0 0
MONDELEZ INTL INC CL A COMMON STOCK 609207105 395 6,878 SH   SOLE 0 6,878 0 0
MONDELEZ INTL INC CL A COMMON STOCK 609207105 263 4,575 SH   DFND 0 4,575 0 0
MORGAN STANLEY COMMON STOCK 617446448 325 6,714 SH   SOLE 0 6,714 0 0
MOTOROLA SOLUTIONS INC COMMON STOCK 620076307 8 50 SH   SOLE 0 50 0 0
NBT BANCORP INC COMMON STOCK 628778102 725 27,024 SH   SOLE 0 27,024 0 0
NBT BANCORP INC COMMON STOCK 628778102 893 33,308 SH   DFND 0 33,308 0 0
NATIONAL FUEL GAS COMPANY COMMON STOCK 636180101 49 1,200 SH   SOLE 0 1,200 0 0
NATIONAL FUEL GAS COMPANY COMMON STOCK 636180101 133 3,266 SH   DFND 0 3,266 0 0
NATIONAL GRID PLC ADR FOREIGN EQUITIES 636274409 11 185 SH   DFND 0 185 0 0
NEW YORK CMNTY BANCORP INC COMMON STOCK 649445103 34 4,100 SH   SOLE 0 4,100 0 0
NEW YORK CMNTY BANCORP INC COMMON STOCK 649445103 1 175 SH   DFND 0 175 0 0
NEXSTAR MEDIA GROUP CLASS A COMMON STOCK 65336K103 4 50 SH   SOLE 0 50 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 2,384 8,591 SH   SOLE 0 8,591 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 1,266 4,560 SH   DFND 0 4,560 0 0
NIKE INC CLASS B COMMON STOCK 654106103 3,380 26,921 SH   SOLE 0 26,921 0 0
NIKE INC CLASS B COMMON STOCK 654106103 234 1,866 SH   DFND 0 1,866 0 0
NOKIA CORP ADR FOREIGN EQUITIES 654902204 0 69 SH   SOLE 0 69 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 1,840 8,599 SH   SOLE 0 8,599 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 257 1,200 SH   DFND 0 1,200 0 0
NORTHROP GRUMMAN CORP COMMON STOCK 666807102 123 390 SH   SOLE 0 390 0 0
NORTHROP GRUMMAN CORP COMMON STOCK 666807102 63 200 SH   DFND 0 200 0 0
NORWOOD FINANCIAL CORP COMMON STOCK 669549107 262 10,767 SH   SOLE 0 10,767 0 0
NOVARTIS AG ADR FOREIGN EQUITIES 66987V109 726 8,346 SH   SOLE 0 8,346 0 0
NOVARTIS AG ADR FOREIGN EQUITIES 66987V109 313 3,600 SH   DFND 0 3,600 0 0
NUCOR CORP COMMON STOCK 670346105 2,243 50,004 SH   SOLE 0 50,004 0 0
NUCOR CORP COMMON STOCK 670346105 386 8,607 SH   DFND 0 8,607 0 0
NUVEEN DIVERS DIV & INC FUND CLOSED END MUTUAL FUNDS 6706EP105 39 5,000 SH   SOLE 0 5,000 0 0
NVIDIA CORPORATION COMMON STOCK 67066G104 154 285 SH   SOLE 0 285 0 0
NUVEEN AMT FREE MUNI CR INC CLOSED END MUTUAL FUNDS 67071L106 6 400 SH   SOLE 0 400 0 0
NUTRIEN LTD FOREIGN EQUITIES 67077M108 55 1,400 SH   SOLE 0 1,400 0 0
NUTRIEN LTD FOREIGN EQUITIES 67077M108 5 120 SH   DFND 0 120 0 0
OCCIDENTAL PETROLEUM CORP COMMON STOCK 674599105 5 500 SH   SOLE 0 500 0 0
OCCIDENTAL PETROLEUM CORP W EXP 08-03-2027 COMMON STOCK 674599162 0 62 SH   SOLE 0 62 0 0
OKTA INC CL A COMMON STOCK 679295105 43 200 SH   DFND 0 200 0 0
OLD REPUBLIC INTL CORP COMMON STOCK 680223104 6 400 SH   DFND 0 400 0 0
OMNICOM GROUP INC COMMON STOCK 681919106 1,836 37,098 SH   SOLE 0 37,098 0 0
OMNICOM GROUP INC COMMON STOCK 681919106 104 2,095 SH   DFND 0 2,095 0 0
OMEGA HEALTHCARE INV INC COMMON STOCK 681936100 23 783 SH   SOLE 0 783 0 0
ONEOK INC COMMON STOCK 682680103 10 394 SH   SOLE 0 394 0 0
ORACLE CORP COMMON STOCK 68389X105 676 11,316 SH   SOLE 0 11,316 0 0
ORACLE CORP COMMON STOCK 68389X105 8 140 SH   DFND 0 140 0 0
ORANGE SA ADR FOREIGN EQUITIES 684060106 10 1,000 SH   DFND 0 1,000 0 0
OTIS WORLDWIDE CORP COMMON STOCK 68902V107 402 6,434 SH   SOLE 0 6,434 0 0
OTIS WORLDWIDE CORP COMMON STOCK 68902V107 76 1,222 SH   DFND 0 1,222 0 0
PNC FINL SVCS GROUP INC COMMON STOCK 693475105 1,575 14,328 SH   SOLE 0 14,328 0 0
PNC FINL SVCS GROUP INC COMMON STOCK 693475105 6 55 SH   DFND 0 55 0 0
PPG INDUSTRIES INC COMMON STOCK 693506107 315 2,577 SH   SOLE 0 2,577 0 0
PPG INDUSTRIES INC COMMON STOCK 693506107 29 240 SH   DFND 0 240 0 0
PPL CORP COMMON STOCK 69351T106 1,066 39,173 SH   SOLE 0 39,173 0 0
PPL CORP COMMON STOCK 69351T106 81 2,980 SH   DFND 0 2,980 0 0
PACER BENCHMARK DATA&INFRAS RE SECTOR ETF ETF/EQUITY 69374H741 2,541 71,955 SH   SOLE 0 71,795 0 160
PACER BENCHMARK DATA&INFRAS RE SECTOR ETF ETF/EQUITY 69374H741 7 185 SH   DFND 0 185 0 0
PALO ALTO NETWORKS INC COMMON STOCK 697435105 29 120 SH   SOLE 0 120 0 0
PAYCOM SOFTWARE INC COMMON STOCK 70432V102 62 200 SH   DFND 0 200 0 0
PAYCHEX INC COMMON STOCK 704326107 40 500 SH   SOLE 0 500 0 0
PAYCHEX INC COMMON STOCK 704326107 70 875 SH   DFND 0 875 0 0
PEOPLES FINL SVCS CORP COMMON STOCK 711040105 42 1,218 SH   SOLE 0 1,218 0 0
PEOPLES UNITED FINANCIAL INC COMMON STOCK 712704105 51 4,976 SH   SOLE 0 4,976 0 0
PEOPLES UNITED FINANCIAL INC COMMON STOCK 712704105 15 1,500 SH   DFND 0 1,500 0 0
PEPSICO INC COMMON STOCK 713448108 7,327 52,862 SH   SOLE 0 52,862 0 0
PEPSICO INC COMMON STOCK 713448108 1,618 11,672 SH   DFND 0 11,672 0 0
PFIZER INC COMMON STOCK 717081103 5,142 140,112 SH   SOLE 0 140,112 0 0
PFIZER INC COMMON STOCK 717081103 1,225 33,369 SH   DFND 0 33,369 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109 416 5,552 SH   SOLE 0 5,552 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109 70 929 SH   DFND 0 929 0 0
PHILLIPS 66 COMMON STOCK 718546104 581 11,213 SH   SOLE 0 11,213 0 0
PHILLIPS 66 COMMON STOCK 718546104 128 2,460 SH   DFND 0 2,460 0 0
PIMCO ENHANCED SHORT MAT ESG ETF/FIXED INCOME 72201R643 16 160 SH   SOLE 0 160 0 0
PIMCO ENHANCED LOW DURATION ETF/FIXED INCOME 72201R718 1,022 10,000 SH   SOLE 0 10,000 0 0
PIMCO ENHANCED SHORT MATURE ACTIVE ETF ETF/FIXED INCOME 72201R833 1,091 10,698 SH   SOLE 0 10,492 0 206
PINNACLE WEST CPTL CORP COMMON STOCK 723484101 190 2,550 SH   SOLE 0 2,550 0 0
POLARIS INDUSTRIES INC COMMON STOCK 731068102 104 1,100 SH   SOLE 0 1,100 0 0
PRINCIPAL SPECTRUM PFD SEC ETF/EQUITY 74255Y888 1,822 90,780 SH   SOLE 0 90,780 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 7,867 56,602 SH   SOLE 0 56,602 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 1,109 7,976 SH   DFND 0 7,976 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102 264 4,158 SH   SOLE 0 4,158 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102 25 387 SH   DFND 0 387 0 0
PRUDENTIAL PLC ADR FOREIGN EQUITIES 74435K204 2 67 SH   SOLE 0 67 0 0
PUBLIC SVC ENTERPRISE GROUP COMMON STOCK 744573106 4,100 74,673 SH   SOLE 0 74,673 0 0
PUBLIC SVC ENTERPRISE GROUP COMMON STOCK 744573106 1,069 19,474 SH   DFND 0 19,474 0 0
QUALCOMM INC COMMON STOCK 747525103 1,599 13,587 SH   SOLE 0 13,587 0 0
QUALCOMM INC COMMON STOCK 747525103 82 700 SH   DFND 0 700 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 1,786 31,042 SH   SOLE 0 31,042 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 426 7,412 SH   DFND 0 7,412 0 0
REALTY INCOME CORP COMMON STOCK 756109104 17 284 SH   SOLE 0 284 0 0
REPUBLIC SERVICES INC COMMON STOCK 760759100 9 100 SH   SOLE 0 100 0 0
RIO TINTO PLC ADR FOREIGN EQUITIES 767204100 208 3,450 SH   SOLE 0 3,450 0 0
RIO TINTO PLC ADR FOREIGN EQUITIES 767204100 56 925 SH   DFND 0 925 0 0
ROCKWELL AUTOMATION INC COMMON STOCK 773903109 662 3,000 SH   SOLE 0 3,000 0 0
ROCKWELL AUTOMATION INC COMMON STOCK 773903109 39 175 SH   DFND 0 175 0 0
ROPER INDS INC COMMON STOCK 776696106 277 700 SH   DFND 0 700 0 0
ROYAL BANK OF CANADA FOREIGN EQUITIES 780087102 986 14,065 SH   SOLE 0 14,065 0 0
ROYAL BANK OF CANADA FOREIGN EQUITIES 780087102 88 1,250 SH   DFND 0 1,250 0 0
ROYAL DUTCH SHELL PLC CL A FOREIGN EQUITIES 780259206 52 2,050 SH   SOLE 0 2,050 0 0
ROYAL DUTCH SHELL PLC CL A FOREIGN EQUITIES 780259206 21 850 SH   DFND 0 850 0 0
ROYAL GOLD INC COMMON STOCK 780287108 6 48 SH   DFND 0 48 0 0
S&P GLOBAL INC COMMON STOCK 78409V104 361 1,000 SH   DFND 0 1,000 0 0
SPDR S&P 500 ETF ETF/EQUITY 78462F103 6,519 19,466 SH   SOLE 0 19,466 0 0
SPDR S&P 500 ETF ETF/EQUITY 78462F103 646 1,928 SH   DFND 0 1,928 0 0
SPDR GOLD SHARES ETF/OTHER 78463V107 732 4,132 SH   SOLE 0 4,132 0 0
SPDR GOLD SHARES ETF/OTHER 78463V107 905 5,110 SH   DFND 0 5,110 0 0
SPDR S&P INTL DIVIDEND ETF ETF/INTERNATIONAL EQUITY 78463X772 3 75 SH   SOLE 0 75 0 0
SPDR S&P GLOBAL INFRASTRUCTURE ETF ETF/INTERNATIONAL EQUITY 78463X855 2 50 SH   SOLE 0 50 0 0
SPDR INTERM CORP BOND ETF ETF/FIXED INCOME 78464A375 24 650 SH   DFND 0 650 0 0
SPDR PORTFOLIO S&P500 GROWTH ETF/EQUITY 78464A409 820 16,360 SH   SOLE 0 16,360 0 0
SPDR PORTFOLIO S&P 500 VALUE ETF/EQUITY 78464A508 761 25,210 SH   SOLE 0 25,210 0 0
SPDR INTERMEDIATE TREASURY ETF/FIXED INCOME 78464A672 221 6,665 SH   SOLE 0 6,665 0 0
SPDR S&P REGIONAL BANKING ETF/EQUITY 78464A698 2 64 SH   SOLE 0 64 0 0
SPDR S&P DIVIDEND ETF ETF/EQUITY 78464A763 7 80 SH   SOLE 0 80 0 0
SPDR S&P BIOTECH ETF ETF/EQUITY 78464A870 134 1,202 SH   SOLE 0 1,202 0 0
SPDR BLACKSTONE/GSO SENIOR LOAN ETF ETF/FIXED INCOME 78467V608 393 8,797 SH   SOLE 0 8,609 0 188
SPDR BLACKSTONE/GSO SENIOR LOAN ETF ETF/FIXED INCOME 78467V608 32 725 SH   DFND 0 725 0 0
SPDR DOUBLELINE TOTAL RETURNTACT ETF ETF/FIXED INCOME 78467V848 5,313 107,750 SH   SOLE 0 107,750 0 0
SPDR DOUBLELINE TOTAL RETURNTACT ETF ETF/FIXED INCOME 78467V848 39 800 SH   DFND 0 800 0 0
SPDR S&P MIDCAP 400 ETF ETF/EQUITY 78467Y107 4,975 14,684 SH   SOLE 0 14,684 0 0
SPDR S&P MIDCAP 400 ETF ETF/EQUITY 78467Y107 1,209 3,568 SH   DFND 0 3,568 0 0
SPDR BBB SHORT TERM HIGH YIELD BOND ETF ETF/FIXED INCOME 78468R408 8 300 SH   DFND 0 300 0 0
SPDR NUVEEN BBB MUNI BOND ETF ETF/FIXED INCOME 78468R721 32 625 SH   SOLE 0 625 0 0
SPDR PORTFOLIO SMALLCAP ETF ETF/EQUITY 78468R853 22 800 SH   SOLE 0 800 0 0
SPDR DOUBLELINE SHRT DUR ETF/FIXED INCOME 78470P200 30 600 SH   SOLE 0 600 0 0
SALESFORCE.COM INC COMMON STOCK 79466L302 79 314 SH   SOLE 0 314 0 0
SCHLUMBERGER LTD FOREIGN EQUITIES 806857108 143 9,208 SH   SOLE 0 9,208 0 0
SCHLUMBERGER LTD FOREIGN EQUITIES 806857108 43 2,783 SH   DFND 0 2,783 0 0
SCHWAB US SMALL CAP ETF ETF/EQUITY 808524607 2,453 35,910 SH   SOLE 0 35,910 0 0
SCHWAB US SMALL CAP ETF ETF/EQUITY 808524607 132 1,927 SH   DFND 0 1,927 0 0
MATERIALS SELECT SECTOR SPDR ETF/EQUITY 81369Y100 152 2,382 SH   SOLE 0 2,382 0 0
MATERIALS SELECT SECTOR SPDR ETF/EQUITY 81369Y100 635 9,985 SH   DFND 0 9,985 0 0
HEALTH CARE SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y209 219 2,075 SH   SOLE 0 2,075 0 0
CONSUMER STAPLES SECTOR SPDR ETF/EQUITY 81369Y308 208 3,252 SH   SOLE 0 3,252 0 0
CONSUMER STAPLES SECTOR SPDR ETF/EQUITY 81369Y308 20 310 SH   DFND 0 310 0 0
CONSUMER DISCRET SEL SECT SPDR ETF ETF/EQUITY 81369Y407 216 1,467 SH   SOLE 0 1,467 0 0
CONSUMER DISCRET SEL SECT SPDR ETF ETF/EQUITY 81369Y407 29 197 SH   DFND 0 197 0 0
ENERGY SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y506 484 16,157 SH   SOLE 0 16,157 0 0
ENERGY SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y506 25 835 SH   DFND 0 835 0 0
SPDR FINANCIAL SELECT SECTOR ETF/EQUITY 81369Y605 156 6,479 SH   SOLE 0 6,479 0 0
TECHNOLOGY SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y803 519 4,450 SH   SOLE 0 4,450 0 0
TECHNOLOGY SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y803 442 3,790 SH   DFND 0 3,790 0 0
SELECT SECTOR SPDR TR COMMUNICATION ETF/EQUITY 81369Y852 89 1,492 SH   SOLE 0 1,492 0 0
REAL ESTATE SELECT SECTOR SPDR ETF/OTHER 81369Y860 30 856 SH   SOLE 0 856 0 0
UTILITIES SELECT SECTOR SPDR ETF/EQUITY 81369Y886 3,675 61,893 SH   SOLE 0 61,803 0 90
UTILITIES SELECT SECTOR SPDR ETF/EQUITY 81369Y886 46 772 SH   DFND 0 772 0 0
SEMPRA ENERGY COMMON STOCK 816851109 524 4,430 SH   SOLE 0 4,430 0 0
SEMPRA ENERGY COMMON STOCK 816851109 121 1,020 SH   DFND 0 1,020 0 0
SIERRA WIRELESS INC FOREIGN EQUITIES 826516106 11 1,000 SH   DFND 0 1,000 0 0
SIRIUS XM HOLDINGS INC COMMON STOCK 82968B103 27 5,000 SH   DFND 0 5,000 0 0
SORRENTO THERAPEUTICS INC COMMON STOCK 83587F202 2 200 SH   DFND 0 200 0 0
SOUTHERN COMPANY COMMON STOCK 842587107 894 16,484 SH   SOLE 0 16,484 0 0
SOUTHERN COMPANY COMMON STOCK 842587107 209 3,857 SH   DFND 0 3,857 0 0
SPROTT PHYSICAL GOLD TRUST ETF/OTHER 85207H104 940 62,490 SH   SOLE 0 62,490 0 0
SPROTT PHYSICAL GOLD TRUST ETF/OTHER 85207H104 10 666 SH   DFND 0 666 0 0
STANLEY BLACK & DECKER INC COMMON STOCK 854502101 81 500 SH   SOLE 0 500 0 0
STANLEY BLACK & DECKER INC COMMON STOCK 854502101 324 2,000 SH   DFND 0 2,000 0 0
STARBUCKS CORP COMMON STOCK 855244109 977 11,369 SH   SOLE 0 11,369 0 0
STARBUCKS CORP COMMON STOCK 855244109 36 420 SH   DFND 0 420 0 0
STATE STREET CORP COMMON STOCK 857477103 136 2,296 SH   SOLE 0 2,296 0 0
STATE STREET CORP COMMON STOCK 857477103 47 800 SH   DFND 0 800 0 0
STERICYCLE INC COMMON STOCK 858912108 151 2,400 SH   DFND 0 2,400 0 0
STRYKER CORP COMMON STOCK 863667101 1,477 7,087 SH   SOLE 0 7,087 0 0
STRYKER CORP COMMON STOCK 863667101 37 179 SH   DFND 0 179 0 0
SUBURBAN PROPANE PARTNERS LP COMMON STOCK 864482104 27 1,660 SH   SOLE 0 1,660 0 0
SUBURBAN PROPANE PARTNERS LP COMMON STOCK 864482104 0 10 SH   DFND 0 10 0 0
SUN COMMUNITIES INC COMMON STOCK 866674104 42 301 SH   SOLE 0 301 0 0
SUN LIFE FINANCIAL INC FOREIGN EQUITIES 866796105 110 2,700 SH   SOLE 0 2,700 0 0
SUNCOKE ENERGY INC COMMON STOCK 86722A103 1 218 SH   DFND 0 218 0 0
SUNCOR ENERGY INC FOREIGN EQUITIES 867224107 31 2,500 SH   DFND 0 2,500 0 0
SYSCO CORP COMMON STOCK 871829107 1,551 24,932 SH   SOLE 0 24,932 0 0
SYSCO CORP COMMON STOCK 871829107 647 10,395 SH   DFND 0 10,395 0 0
TJX COMPANIES COMMON STOCK 872540109 259 4,654 SH   SOLE 0 4,654 0 0
TJX COMPANIES COMMON STOCK 872540109 15 273 SH   DFND 0 273 0 0
TARGET CORP COMMON STOCK 87612E106 725 4,606 SH   SOLE 0 4,606 0 0
TARGET CORP COMMON STOCK 87612E106 18 117 SH   DFND 0 117 0 0
TC ENERGY CORP FOREIGN EQUITIES 87807B107 349 8,300 SH   SOLE 0 8,300 0 0
TELEDYNE TECHNOLOGIES INC COMMON STOCK 879360105 58 187 SH   DFND 0 187 0 0
TENARIS SA ADR FOREIGN EQUITIES 88031M109 10 1,000 SH   SOLE 0 1,000 0 0
TESLA MOTORS INC COMMON STOCK 88160R101 9 21 SH   SOLE 0 21 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 4,225 29,590 SH   SOLE 0 29,590 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 422 2,955 SH   DFND 0 2,955 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 545 1,234 SH   SOLE 0 1,234 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 243 550 SH   DFND 0 550 0 0
THOMSON REUTERS CORP FOREIGN EQUITIES 884903709 120 1,500 SH   SOLE 0 1,500 0 0
3M COMPANY COMMON STOCK 88579Y101 4,934 30,803 SH   SOLE 0 30,803 0 0
3M COMPANY COMMON STOCK 88579Y101 553 3,453 SH   DFND 0 3,453 0 0
TOMPKINS FINANCIAL CORP COMMON STOCK 890110109 139 2,450 SH   SOLE 0 2,450 0 0
TOMPKINS FINANCIAL CORP COMMON STOCK 890110109 256 4,500 SH   DFND 0 4,500 0 0
TORONTO DOMINION BANK FOREIGN EQUITIES 891160509 579 12,519 SH   SOLE 0 12,519 0 0
TORONTO DOMINION BANK FOREIGN EQUITIES 891160509 43 925 SH   DFND 0 925 0 0
TOTAL SA ADR FOREIGN EQUITIES 89151E109 43 1,265 SH   SOLE 0 1,265 0 0
TOYOTA MOTOR CORP FOREIGN EQUITIES 892331307 26 200 SH   SOLE 0 200 0 0
TOYOTA MOTOR CORP FOREIGN EQUITIES 892331307 79 600 SH   DFND 0 600 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109 763 7,055 SH   SOLE 0 7,055 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109 35 325 SH   DFND 0 325 0 0
TRUIST FINANCIAL CORP COMMON STOCK 89832Q109 1,010 26,547 SH   SOLE 0 26,547 0 0
TRUIST FINANCIAL CORP COMMON STOCK 89832Q109 90 2,370 SH   DFND 0 2,370 0 0
TRUSTCO BANK CORP NY COMMON STOCK 898349105 4 842 SH   DFND 0 842 0 0
TWITTER INC COMMON STOCK 90184L102 9 200 SH   SOLE 0 200 0 0
TWITTER INC COMMON STOCK 90184L102 1 22 SH   DFND 0 22 0 0
II-VI INC COMMON STOCK 902104108 8 200 SH   DFND 0 200 0 0
US BANCORP COMMON STOCK 902973304 1,626 45,373 SH   SOLE 0 45,373 0 0
US BANCORP COMMON STOCK 902973304 346 9,650 SH   DFND 0 9,650 0 0
UNION PACIFIC CORP COMMON STOCK 907818108 907 4,608 SH   SOLE 0 4,608 0 0
UNION PACIFIC CORP COMMON STOCK 907818108 204 1,035 SH   DFND 0 1,035 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 4,251 25,511 SH   SOLE 0 25,511 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 325 1,951 SH   DFND 0 1,951 0 0
UNITED STATES STEEL CORP COMMON STOCK 912909108 0 35 SH   DFND 0 35 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 2,183 7,001 SH   SOLE 0 7,001 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 164 525 SH   DFND 0 525 0 0
UNITI GROUP INC COMMON STOCK 91325V108 2 200 SH   DFND 0 200 0 0
VF CORP COMMON STOCK 918204108 764 10,878 SH   SOLE 0 10,878 0 0
VF CORP COMMON STOCK 918204108 28 392 SH   DFND 0 392 0 0
VBI VACCINES INC COMMON STOCK 91822J103 24 8,500 SH   SOLE 0 8,500 0 0
VALERO ENERGY CORP COMMON STOCK 91913Y100 13 300 SH   SOLE 0 300 0 0
VALLEY NATL BANCORP COMMON STOCK 919794107 105 15,356 SH   SOLE 0 15,356 0 0
VANECK VECTORS GOLD MINERS ETF ETF/INTERNATIONAL EQUITY 92189F106 783 20,000 SH   DFND 0 20,000 0 0
VANECK VECTORS HIGH YLD MUNI ETF/FIXED INCOME 92189H409 45 750 SH   SOLE 0 750 0 0
VANGUARD DIVIDEND APPRECIATION ETF ETF/EQUITY 921908844 1,164 9,046 SH   SOLE 0 9,046 0 0
VANGUARD DIVIDEND APPRECIATION ETF ETF/EQUITY 921908844 453 3,521 SH   DFND 0 3,521 0 0
VANGUARD TOTAL INTL STOCK ETF ETF/INTERNATIONAL EQUITY 921909768 165 3,162 SH   SOLE 0 3,162 0 0
VANGUARD MEGA CAP GROWTH ETF/EQUITY 921910816 16 85 SH   SOLE 0 85 0 0
VANGUARD SHORT TERM BOND ETF ETF/FIXED INCOME 921937827 909 10,947 SH   SOLE 0 10,627 0 320
VANGUARD SHORT TERM BOND ETF ETF/FIXED INCOME 921937827 150 1,812 SH   DFND 0 1,812 0 0
VANGUARD TOTAL BOND MRKT ETF ETF/FIXED INCOME 921937835 1,136 12,876 SH   SOLE 0 12,876 0 0
VANGUARD TOTAL BOND MRKT ETF ETF/FIXED INCOME 921937835 137 1,552 SH   DFND 0 1,552 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF/INTERNATIONAL EQUITY 921943858 883 21,596 SH   SOLE 0 21,596 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF/INTERNATIONAL EQUITY 921943858 176 4,297 SH   DFND 0 4,297 0 0
VANGUARD HIGH DIVIDEND YIELD ETF/EQUITY 921946406 88 1,087 SH   SOLE 0 1,087 0 0
VANGUARD HIGH DIVIDEND YIELD ETF/EQUITY 921946406 28 350 SH   DFND 0 350 0 0
VANGUARD FINANCIALS ETF ETF/EQUITY 92204A405 481 8,225 SH   SOLE 0 8,225 0 0
VANGUARD FINANCIALS ETF ETF/EQUITY 92204A405 157 2,690 SH   DFND 0 2,690 0 0
VANGUARD HEALTH CARE ETF ETF/EQUITY 92204A504 17 81 SH   SOLE 0 81 0 0
VANGUARD HEALTH CARE ETF ETF/EQUITY 92204A504 416 2,038 SH   DFND 0 2,038 0 0
VANGUARD INDUSTRIALS ETF ETF/EQUITY 92204A603 637 4,400 SH   DFND 0 4,400 0 0
VANGUARD INFO TECH ETF ETF/EQUITY 92204A702 1,066 3,424 SH   SOLE 0 3,424 0 0
VANGUARD INFO TECH ETF ETF/EQUITY 92204A702 1,121 3,601 SH   DFND 0 3,601 0 0
VANGUARD UTILITIES ETF ETF/EQUITY 92204A876 134 1,035 SH   SOLE 0 1,035 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 922042858 2,352 54,408 SH   SOLE 0 53,787 621 0
VANGUARD FTSE EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 922042858 297 6,870 SH   DFND 0 6,870 0 0
VANGUARD INTL EQUITY INDEX FMSCI EUROPE ETF ETF/INTERNATIONAL EQUITY 922042874 0 6 SH   SOLE 0 6 0 0
VANGUARD INTL EQUITY INDEX FMSCI EUROPE ETF ETF/INTERNATIONAL EQUITY 922042874 4 84 SH   DFND 0 84 0 0
VANGUARD SHORT TERM CORP BOND ETF ETF/FIXED INCOME 92206C409 2,614 31,546 SH   SOLE 0 31,546 0 0
VANGUARD SHORT TERM CORP BOND ETF ETF/FIXED INCOME 92206C409 664 8,014 SH   DFND 0 8,014 0 0
VANGUARD INTERM-TERM GOVT BDETF ETF/FIXED INCOME 92206C706 851 12,075 SH   SOLE 0 11,750 0 325
VANGUARD INTERM-TERM GOVT BDETF ETF/FIXED INCOME 92206C706 14 195 SH   DFND 0 195 0 0
VANGUARD LONG TERM TREASURY ETF/FIXED INCOME 92206C847 217 2,180 SH   SOLE 0 2,140 0 40
VANGUARD LONG TERM TREASURY ETF/FIXED INCOME 92206C847 6 65 SH   DFND 0 65 0 0
VANGUARD INTERM TERM CORP BDETF ETF/FIXED INCOME 92206C870 820 8,560 SH   SOLE 0 8,520 0 40
VANGUARD INTERM TERM CORP BDETF ETF/FIXED INCOME 92206C870 18 190 SH   DFND 0 190 0 0
VARIAN MEDICAL SYSTEMS INC COMMON STOCK 92220P105 29 166 SH   SOLE 0 166 0 0
VANGUARD S&P 500 ETF ETF/EQUITY 922908363 647 2,103 SH   SOLE 0 2,103 0 0
VANGUARD MIDCAP VALUE ETF ETF/EQUITY 922908512 36 354 SH   DFND 0 354 0 0
VANGUARD MIDCAP GROWTH ETF ETF/EQUITY 922908538 56 309 SH   DFND 0 309 0 0
VANGUARD REIT ETF ETF/EQUITY 922908553 1,107 14,016 SH   SOLE 0 14,016 0 0
VANGUARD REIT ETF ETF/EQUITY 922908553 39 496 SH   DFND 0 496 0 0
VANGUARD SMALLCAP GROWTH ETF ETF/EQUITY 922908595 19 88 SH   SOLE 0 88 0 0
VANGUARD SMALLCAP VALUE ETF ETF/EQUITY 922908611 326 2,950 SH   SOLE 0 2,950 0 0
VANGUARD MIDCAP ETF ETF/EQUITY 922908629 129 732 SH   SOLE 0 732 0 0
VANGUARD INDEX FDS EXTEND MKT ETF-VXF ETF/EQUITY 922908652 30 233 SH   SOLE 0 233 0 0
VANGUARD INDEX FDS EXTEND MKT ETF-VXF ETF/EQUITY 922908652 5 35 SH   DFND 0 35 0 0
VANGUARD GROWTH ETF ETF/EQUITY 922908736 31 135 SH   SOLE 0 135 0 0
VANGUARD GROWTH ETF ETF/EQUITY 922908736 248 1,089 SH   DFND 0 1,089 0 0
VANGUARD SMALLCAP ETF ETF/EQUITY 922908751 196 1,275 SH   SOLE 0 1,275 0 0
VANGUARD SMALLCAP ETF ETF/EQUITY 922908751 121 787 SH   DFND 0 787 0 0
VANGUARD TOTAL STOCK MARKET ETF ETF/EQUITY 922908769 34 200 SH   SOLE 0 200 0 0
VANGUARD TOTAL STOCK MARKET ETF ETF/EQUITY 922908769 11,029 64,757 SH   DFND 0 64,757 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 8,617 144,844 SH   SOLE 0 144,844 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 2,185 36,723 SH   DFND 0 36,723 0 0
VISA INC CLASS A COMMON STOCK 92826C839 1,621 8,108 SH   SOLE 0 8,108 0 0
VISA INC CLASS A COMMON STOCK 92826C839 61 304 SH   DFND 0 304 0 0
WP CAREY INC COMMON STOCK 92936U109 4 54 SH   SOLE 0 54 0 0
WP CAREY INC COMMON STOCK 92936U109 29 443 SH   DFND 0 443 0 0
WEC ENERGY GROUP INC COMMON STOCK 92939U106 22 232 SH   SOLE 0 232 0 0
WABTEC CORP COMMON STOCK 929740108 5 79 SH   SOLE 0 79 0 0
WABTEC CORP COMMON STOCK 929740108 3 43 SH   DFND 0 43 0 0
WAL MART STORES INC COMMON STOCK 931142103 4,721 33,746 SH   SOLE 0 33,746 0 0
WAL MART STORES INC COMMON STOCK 931142103 771 5,508 SH   DFND 0 5,508 0 0
WALGREENS BOOTS ALLIANCE INC COMMON STOCK 931427108 147 4,083 SH   SOLE 0 4,083 0 0
WALGREENS BOOTS ALLIANCE INC COMMON STOCK 931427108 87 2,435 SH   DFND 0 2,435 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109 209 1,847 SH   SOLE 0 1,847 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109 68 600 SH   DFND 0 600 0 0
WELLS FARGO & CO COMMON STOCK 949746101 379 16,119 SH   SOLE 0 16,119 0 0
WELLS FARGO & CO COMMON STOCK 949746101 28 1,177 SH   DFND 0 1,177 0 0
WELLTOWER INC COMMON STOCK 95040Q104 11 200 SH   DFND 0 200 0 0
WEYERHAEUSER CO COMMON STOCK 962166104 46 1,600 SH   SOLE 0 1,600 0 0
WISDOMTREE US HIGH DIVIDEND ETF ETF/EQUITY 97717W208 1,852 29,630 SH   SOLE 0 29,630 0 0
WISDOMTREE US HIGH DIVIDEND ETF ETF/EQUITY 97717W208 58 925 SH   DFND 0 925 0 0
WISDOMTREE SMALLCAP DIVIDEND ETF/EQUITY 97717W604 19 900 SH   DFND 0 900 0 0
SPDR GOLD MINISHARES ETF/OTHER 98149E204 20 1,050 SH   SOLE 0 1,050 0 0
XYLEM INC COMMON STOCK 98419M100 43 507 SH   SOLE 0 507 0 0
XEROX HOLDINGS CORP COMMON STOCK 98421M106 5 250 SH   SOLE 0 250 0 0
ZIMMER HOLDINGS INC COMMON STOCK 98956P102 545 4,000 SH   DFND 0 4,000 0 0