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 39 331 SH   SOLE 0 331 0 0
AMCOR PLC FOREIGN EQUITIES G0250X107 1,416 120,329 SH   SOLE 0 120,329 0 0
AMCOR PLC FOREIGN EQUITIES G0250X107 144 12,230 SH   DFND 0 12,230 0 0
BROOKFIELD BUSINESS PARTNERS LP LTD FOREIGN EQUITIES G16234109 1 20 SH   DFND 0 20 0 0
BROOKFIELD PROPERTY PARTNERS FOREIGN EQUITIES G16249107 1 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 24 200 SH   SOLE 0 200 0 0
EATON CORP PLC FOREIGN EQUITIES G29183103 222 1,848 SH   DFND 0 1,848 0 0
IHS MARKIT LTD. FOREIGN EQUITIES G47567105 10 107 SH   SOLE 0 107 0 0
LINDE PLC FOREIGN EQUITIES G5494J103 51 193 SH   SOLE 0 193 0 0
MEDTRONIC PLC FOREIGN EQUITIES G5960L103 759 6,479 SH   SOLE 0 6,479 0 0
MEDTRONIC PLC FOREIGN EQUITIES G5960L103 52 440 SH   DFND 0 440 0 0
MYOVANT SCIENCES LTD COMMON STOCK G637AM102 14 500 SH   DFND 0 500 0 0
TRANE TECHNOLOGIES PLC FOREIGN EQUITIES G8994E103 180 1,242 SH   SOLE 0 1,242 0 0
WHITE MTNS INS GROUP LTD COMMON STOCK G9618E107 100 100 SH   DFND 0 100 0 0
CHUBB LTD FOREIGN EQUITIES H1467J104 1,499 9,736 SH   SOLE 0 9,736 0 0
CHUBB LTD FOREIGN EQUITIES H1467J104 223 1,451 SH   DFND 0 1,451 0 0
AGCO CORP COMMON STOCK 001084102 10 100 SH   DFND 0 100 0 0
AT&T INC COMMON STOCK 00206R102 6,895 239,845 SH   SOLE 0 239,845 0 0
AT&T INC COMMON STOCK 00206R102 1,465 50,966 SH   DFND 0 50,966 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100 4,940 45,115 SH   SOLE 0 45,115 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100 740 6,760 SH   DFND 0 6,760 0 0
ABBVIE INC COMMON STOCK 00287Y109 5,907 55,130 SH   SOLE 0 55,130 0 0
ABBVIE INC COMMON STOCK 00287Y109 979 9,141 SH   DFND 0 9,141 0 0
ABERDEEN JAPAN EQUITY FUND CLOSED END MUTUAL FUNDS 00306J109 3 267 SH   SOLE 0 267 0 0
ADAMS DIVERSIED EQUITY INC CLOSED END MUTUAL FUNDS 006212104 0 18 SH   SOLE 0 18 0 0
ADOBE INC COMMON STOCK 00724F101 574 1,147 SH   SOLE 0 1,147 0 0
AGILENT TECHNOLOGIES INC COMMON STOCK 00846U101 9 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 879 3,217 SH   SOLE 0 3,217 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 347 1,270 SH   DFND 0 1,270 0 0
ALBEMARLE CORP COMMON STOCK 012653101 976 6,615 SH   SOLE 0 6,615 0 0
ALBEMARLE CORP COMMON STOCK 012653101 402 2,725 SH   DFND 0 2,725 0 0
ALLIANZGI EQUITY & CONV INCO CLOSED END MUTUAL FUNDS 018829101 2 66 SH   SOLE 0 66 0 0
THE ALLSTATE CORPORATION COMMON STOCK 020002101 27 250 SH   DFND 0 250 0 0
ALPHABET INC CLASS C COMMON STOCK 02079K107 713 407 SH   SOLE 0 407 0 0
ALPHABET INC CLASS C COMMON STOCK 02079K107 215 123 SH   DFND 0 123 0 0
ALPHABET INC CLASS A COMMON STOCK 02079K305 1,973 1,126 SH   SOLE 0 1,126 0 0
ALPHABET INC CLASS A COMMON STOCK 02079K305 403 230 SH   DFND 0 230 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 430 10,483 SH   SOLE 0 10,483 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 62 1,524 SH   DFND 0 1,524 0 0
AMAZON.COM INC COMMON STOCK 023135106 2,498 767 SH   SOLE 0 767 0 0
AMAZON.COM INC COMMON STOCK 023135106 449 138 SH   DFND 0 138 0 0
AMEREN CORPORATION COMMON STOCK 023608102 195 2,498 SH   SOLE 0 2,498 0 0
AMERICAN ELECTRIC POWER CO COMMON STOCK 025537101 566 6,802 SH   SOLE 0 6,802 0 0
AMERICAN ELECTRIC POWER CO COMMON STOCK 025537101 258 3,100 SH   DFND 0 3,100 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 1,095 9,056 SH   SOLE 0 9,056 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 20 162 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 417 1,860 SH   SOLE 0 1,860 0 0
AMERICAN TOWER CORP COMMON STOCK 03027X100 673 3,000 SH   DFND 0 3,000 0 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103 307 2,000 SH   DFND 0 2,000 0 0
AMETEK INC COMMON STOCK 031100100 847 7,000 SH   DFND 0 7,000 0 0
AMGEN INC COMMON STOCK 031162100 1,994 8,673 SH   SOLE 0 8,673 0 0
AMGEN INC COMMON STOCK 031162100 615 2,675 SH   DFND 0 2,675 0 0
ANALOG DEVICES INC COMMON STOCK 032654105 17 116 SH   SOLE 0 116 0 0
ANTHEM INC COMMON STOCK 036752103 719 2,240 SH   SOLE 0 2,240 0 0
APPLE INC COMMON STOCK 037833100 56,474 425,607 SH   SOLE 0 425,607 0 0
APPLE INC COMMON STOCK 037833100 1,309 9,866 SH   DFND 0 9,866 0 0
ARROW FINANCIAL CORPORATION COMMON STOCK 042744102 107 3,592 SH   SOLE 0 3,592 0 0
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 2,556 14,505 SH   SOLE 0 14,505 0 0
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 583 3,306 SH   DFND 0 3,306 0 0
BCE INC FOREIGN EQUITIES 05534B760 122 2,860 SH   SOLE 0 2,860 0 0
BCE INC FOREIGN EQUITIES 05534B760 15 340 SH   DFND 0 340 0 0
BP PLC ADR FOREIGN EQUITIES 055622104 46 2,260 SH   DFND 0 2,260 0 0
BANK OF AMERICA CORPORATION COMMON STOCK 060505104 847 27,969 SH   SOLE 0 27,969 0 0
BANK OF AMERICA CORPORATION COMMON STOCK 060505104 234 7,721 SH   DFND 0 7,721 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 111 2,611 SH   SOLE 0 2,611 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 15 353 SH   DFND 0 353 0 0
BARRICK GOLD CORPORATION FOREIGN EQUITIES 067901108 5 200 SH   SOLE 0 200 0 0
BAXTER INTERNATIONAL INC COMMON STOCK 071813109 341 4,250 SH   SOLE 0 4,250 0 0
BAXTER INTERNATIONAL INC COMMON STOCK 071813109 12 150 SH   DFND 0 150 0 0
BECTON DICKINSON AND COMPANY COMMON STOCK 075887109 1,015 4,056 SH   SOLE 0 4,056 0 0
BECTON DICKINSON AND COMPANY COMMON STOCK 075887109 250 1,000 SH   DFND 0 1,000 0 0
BERKSHIRE HATHAWAY INC B COMMON STOCK 084670702 1,306 5,632 SH   SOLE 0 5,632 0 0
BERKSHIRE HATHAWAY INC B COMMON STOCK 084670702 16 70 SH   DFND 0 70 0 0
BERKSHIRE HILLS BANCORP INC COMMON STOCK 084680107 5 264 SH   DFND 0 264 0 0
BHP GROUP LTD ADR FOREIGN EQUITIES 088606108 546 8,360 SH   SOLE 0 8,360 0 0
BHP GROUP LTD ADR FOREIGN EQUITIES 088606108 156 2,390 SH   DFND 0 2,390 0 0
BIOGEN INC COMMON STOCK 09062X103 196 800 SH   DFND 0 800 0 0
BIONTECH SE ADR FOREIGN EQUITIES 09075V102 12 150 SH   SOLE 0 150 0 0
BIONTECH SE ADR FOREIGN EQUITIES 09075V102 16 200 SH   DFND 0 200 0 0
BLACKBERRY LTD NPV FOREIGN EQUITIES 09228F103 2 250 SH   DFND 0 250 0 0
BLACKROCK INCOME TR INC CLOSED END MUTUAL FUNDS 09247F100 77 12,758 SH   SOLE 0 12,758 0 0
BLACKROCK INC COMMON STOCK 09247X101 491 680 SH   SOLE 0 680 0 0
BLACKROCK INC COMMON STOCK 09247X101 22 30 SH   DFND 0 30 0 0
BLACKROCK GLBL DIV TRUST CLOSED END MUTUAL FUNDS 092501105 0 18 SH   SOLE 0 18 0 0
BLACKROCK CR ALLOCATION INC CLOSED END MUTUAL FUNDS 092508100 16 1,060 SH   SOLE 0 1,060 0 0
BLACKROCK ENHANCED EQT DIV ETF/EQUITY 09251A104 48 5,703 SH   DFND 0 5,703 0 0
BLACKROCK INTL DIVIDEND TR CLOSED END MUTUAL FUNDS 092524107 0 78 SH   SOLE 0 78 0 0
BLACKROCK ENH CAP & INC FD I CLOSED END MUTUAL FUNDS 09256A109 1 42 SH   SOLE 0 42 0 0
BLACKSTONE GROUP INC COMMON STOCK 09260D107 94 1,450 SH   SOLE 0 1,450 0 0
BLACKSTONE GROUP INC COMMON STOCK 09260D107 6 100 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 516 2,410 SH   SOLE 0 2,410 0 0
BOEING COMPANY COMMON STOCK 097023105 33 155 SH   DFND 0 155 0 0
BORGWARNER INC COMMON STOCK 099724106 4 100 SH   DFND 0 100 0 0
BRIDGE BANCORP INC COMMON STOCK 108035106 5 200 SH   SOLE 0 200 0 0
BRIGHTHOUSE FINANCIAL INC COMMON STOCK 10922N103 1 22 SH   SOLE 0 22 0 0
BRISTOL MYERS SQUIBB COMPANY COMMON STOCK 110122108 4,441 71,603 SH   SOLE 0 71,603 0 0
BRISTOL MYERS SQUIBB COMPANY COMMON STOCK 110122108 8,385 135,200 SH   DFND 0 135,200 0 0
BRISTOL MYERS SQUIBB CO CONTINGENT RIGHTS WARRANTS & RIGHTS 110122157 2 3,200 SH   DFND 0 3,200 0 0
BROOKFIELD ASSET MGMT INC CLASS A FOREIGN EQUITIES 112585104 63 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 1,373 14,632 SH   SOLE 0 14,632 0 0
C H ROBINSON WORLDWIDE INC COMMON STOCK 12541W209 88 935 SH   DFND 0 935 0 0
CIGNA CORP NEW COMMON STOCK 125523100 147 707 SH   SOLE 0 707 0 0
CIGNA CORP NEW COMMON STOCK 125523100 203 973 SH   DFND 0 973 0 0
CSX CORP COMMON STOCK 126408103 25 270 SH   SOLE 0 270 0 0
CSX CORP COMMON STOCK 126408103 1,724 19,000 SH   DFND 0 19,000 0 0
CVS HEALTH CORP COMMON STOCK 126650100 2,672 39,122 SH   SOLE 0 39,122 0 0
CVS HEALTH CORP COMMON STOCK 126650100 218 3,195 SH   DFND 0 3,195 0 0
CANADIAN PACIFIC RAILWAY LTD FOREIGN EQUITIES 13645T100 444 1,280 SH   SOLE 0 1,280 0 0
CAPITAL ONE FINANCIAL COMMON STOCK 14040H105 15 149 SH   SOLE 0 149 0 0
CARRIER GLOBAL CORPORATION COMMON STOCK 14448C104 290 7,694 SH   SOLE 0 7,694 0 0
CARRIER GLOBAL CORPORATION COMMON STOCK 14448C104 84 2,215 SH   DFND 0 2,215 0 0
CATERPILLAR INC COMMON STOCK 149123101 3,136 17,228 SH   SOLE 0 17,228 0 0
CATERPILLAR INC COMMON STOCK 149123101 398 2,187 SH   DFND 0 2,187 0 0
CEL SCI CORP COMMON STOCK 150837607 17 1,500 SH   SOLE 0 1,500 0 0
CENTURYLINK INC COMMON STOCK 156700106 11 1,150 SH   SOLE 0 1,150 0 0
THE CHEMOURS CO COMMON STOCK 163851108 9 360 SH   DFND 0 360 0 0
CHEVRON CORP COMMON STOCK 166764100 3,155 37,358 SH   SOLE 0 37,358 0 0
CHEVRON CORP COMMON STOCK 166764100 359 4,248 SH   DFND 0 4,248 0 0
CHINA FUND INC CLOSED END MUTUAL FUNDS 169373107 1 40 SH   SOLE 0 40 0 0
CHURCH & DWIGHT CO INC COMMON STOCK 171340102 174 2,000 SH   DFND 0 2,000 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 6,687 149,429 SH   SOLE 0 149,429 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 1,476 32,980 SH   DFND 0 32,980 0 0
CITIGROUP INC COMMON STOCK 172967424 135 2,193 SH   SOLE 0 2,193 0 0
CITIGROUP INC COMMON STOCK 172967424 6 100 SH   DFND 0 100 0 0
CLEANSPARK INC COMMON STOCK 18452B209 44 1,505 SH   SOLE 0 1,505 0 0
COCA COLA COMPANY COMMON STOCK 191216100 8,479 154,614 SH   SOLE 0 154,614 0 0
COCA COLA COMPANY COMMON STOCK 191216100 1,000 18,234 SH   DFND 0 18,234 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 1,007 11,777 SH   SOLE 0 11,777 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 590 6,896 SH   DFND 0 6,896 0 0
COMCAST CORP CLASS A COMMON STOCK 20030N101 3,439 65,639 SH   SOLE 0 65,639 0 0
COMCAST CORP CLASS A COMMON STOCK 20030N101 257 4,902 SH   DFND 0 4,902 0 0
COMMUNITY BK SYS INC COMMON STOCK 203607106 196 3,142 SH   SOLE 0 4,355 0 0
COMMUNITY BK SYS INC COMMON STOCK 203607106 8,458 135,735 SH   DFND 0 135,735 0 0
CONAGRA FOODS INC COMMON STOCK 205887102 73 2,000 SH   SOLE 0 2,000 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 645 16,129 SH   SOLE 0 16,129 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 128 3,206 SH   DFND 0 3,206 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 319 4,410 SH   SOLE 0 4,410 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 76 1,055 SH   DFND 0 1,055 0 0
CONSTELLATION BRANDS INC CLASS A COMMON STOCK 21036P108 312 1,425 SH   SOLE 0 1,425 0 0
CONSTELLATION BRANDS INC CLASS A COMMON STOCK 21036P108 219 1,000 SH   DFND 0 1,000 0 0
COOPER COMPANIES INC COMMON STOCK 216648402 109 300 SH   DFND 0 300 0 0
CORNERSTONE STRATEGIC VALUE CLOSED END MUTUAL FUNDS 21924B302 0 16 SH   SOLE 0 16 0 0
CORNING INC COMMON STOCK 219350105 1,166 32,402 SH   SOLE 0 32,402 0 0
CORNING INC COMMON STOCK 219350105 81 2,250 SH   DFND 0 2,250 0 0
CORTEVA INC COMMON STOCK 22052L104 282 7,272 SH   SOLE 0 7,272 0 0
CORTEVA INC COMMON STOCK 22052L104 43 1,098 SH   DFND 0 1,098 0 0
COSTCO COMMON STOCK 22160K105 55 145 SH   SOLE 0 145 0 0
COSTCO COMMON STOCK 22160K105 21 55 SH   DFND 0 55 0 0
CUMMINS INC COMMON STOCK 231021106 2,279 10,036 SH   SOLE 0 10,036 0 0
CUMMINS INC COMMON STOCK 231021106 600 2,640 SH   DFND 0 2,640 0 0
DANAHER CORP COMMON STOCK 235851102 142 640 SH   SOLE 0 640 0 0
DARDEN RESTAURANTS INC COMMON STOCK 237194105 12 100 SH   SOLE 0 100 0 0
DEERE & COMPANY COMMON STOCK 244199105 27 100 SH   SOLE 0 100 0 0
DEERE & COMPANY COMMON STOCK 244199105 27 100 SH   DFND 0 100 0 0
DELL TECHNOLOGIES INC COMMON STOCK 24703L202 11 146 SH   SOLE 0 146 0 0
DENTSPLY SIRONA INC COMMON STOCK 24906P109 10 200 SH   SOLE 0 200 0 0
DIGI INTL INC COMMON STOCK 253798102 8 400 SH   DFND 0 400 0 0
WALT DISNEY CO COMMON STOCK 254687106 5,248 28,968 SH   SOLE 0 28,968 0 0
WALT DISNEY CO COMMON STOCK 254687106 386 2,128 SH   DFND 0 2,128 0 0
DOLLAR GENERAL CORP COMMON STOCK 256677105 447 2,125 SH   SOLE 0 2,125 0 0
DOLLAR GENERAL CORP COMMON STOCK 256677105 63 300 SH   DFND 0 300 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109 3,501 46,558 SH   SOLE 0 46,558 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109 1,087 14,456 SH   DFND 0 14,456 0 0
DORCHESTER MINERALS LP COMMON STOCK 25820R105 663 60,760 SH   SOLE 0 60,760 0 0
DOW INC COMMON STOCK 260557103 3,411 61,460 SH   SOLE 0 61,460 0 0
DOW INC COMMON STOCK 260557103 270 4,870 SH   DFND 0 4,870 0 0
DRAFTKINGS INC CL A COMMON STOCK 26142R104 9 200 SH   SOLE 0 200 0 0
DUFF & PHELPS UTIL CORP BD T MUTUAL FUNDS MULTISECTOR BOND 26432K108 10 976 SH   SOLE 0 976 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204 643 7,025 SH   SOLE 0 7,025 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204 107 1,172 SH   DFND 0 1,172 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102 2,442 34,347 SH   SOLE 0 34,347 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102 269 3,785 SH   DFND 0 3,785 0 0
EOG RESOURCES INC COMMON STOCK 26875P101 89 1,783 SH   SOLE 0 1,783 0 0
EOG RESOURCES INC COMMON STOCK 26875P101 4 80 SH   DFND 0 80 0 0
ETFMG PRIME MOBILE PAYMENTS ETF/EQUITY 26924G409 3,525 52,985 SH   SOLE 0 52,880 0 105
ETFMG PRIME MOBILE PAYMENTS ETF/EQUITY 26924G409 14 210 SH   DFND 0 210 0 0
EASTMAN CHEMICAL CO COMMON STOCK 277432100 281 2,800 SH   SOLE 0 2,800 0 0
EATON VANCE TAX-MANAGED DIVECOM CLOSED END MUTUAL FUNDS 27828N102 1 56 SH   SOLE 0 56 0 0
ECOLAB INC COMMON STOCK 278865100 204 945 SH   SOLE 0 945 0 0
ECOLAB INC COMMON STOCK 278865100 162 750 SH   DFND 0 750 0 0
EDISON INTL COMMON STOCK 281020107 195 3,097 SH   DFND 0 3,097 0 0
EMERSON ELECTRIC CO COMMON STOCK 291011104 4,194 52,188 SH   SOLE 0 52,188 0 0
EMERSON ELECTRIC CO COMMON STOCK 291011104 445 5,541 SH   DFND 0 5,541 0 0
ENBRIDGE INC FOREIGN EQUITIES 29250N105 2 67 SH   SOLE 0 67 0 0
ENBRIDGE INC FOREIGN EQUITIES 29250N105 101 3,148 SH   DFND 0 3,148 0 0
ENERGY TRANSFER EQUITY LP COMMON STOCK 29273V100 7 1,090 SH   DFND 0 1,090 0 0
ENTERPRISE PRODS PARTNERS LP COMMON STOCK 293792107 22 1,098 SH   SOLE 0 1,098 0 0
EQUIFAX INC COMMON STOCK 294429105 771 4,000 SH   DFND 0 4,000 0 0
ESSENTIAL UTILITIES INC COMMON STOCK 29670G102 330 6,980 SH   SOLE 0 6,980 0 0
ESSENTIAL UTILITIES INC COMMON STOCK 29670G102 48 1,025 SH   DFND 0 1,025 0 0
EVERGY INC COMMON STOCK 30034W106 1 24 SH   SOLE 0 24 0 0
EXELON CORP COMMON STOCK 30161N101 1,767 41,841 SH   SOLE 0 41,841 0 0
EXELON CORP COMMON STOCK 30161N101 348 8,250 SH   DFND 0 8,250 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102 2,550 61,865 SH   SOLE 0 61,865 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102 690 16,749 SH   DFND 0 16,749 0 0
FACEBOOK INC CLASS A COMMON STOCK 30303M102 82 300 SH   SOLE 0 300 0 0
FACEBOOK INC CLASS A COMMON STOCK 30303M102 77 283 SH   DFND 0 283 0 0
FASTENAL CO COMMON STOCK 311900104 470 9,632 SH   SOLE 0 9,632 0 0
FASTENAL CO COMMON STOCK 311900104 303 6,200 SH   DFND 0 6,200 0 0
FEDEX CORP COMMON STOCK 31428X106 56 215 SH   SOLE 0 215 0 0
FIDELITY NATL INFORMATION SV COMMON STOCK 31620M106 424 3,000 SH   DFND 0 3,000 0 0
FIFTH THIRD BANCORP COMMON STOCK 316773100 18 655 SH   DFND 0 655 0 0
FIRST TRUST GLOBAL OPP INC CLOSED END MUTUAL FUNDS 337319107 6 590 SH   SOLE 0 590 0 0
FLEXSHARES GLOBAL UPSTREAM NATURAL RESOURCES ETF/INTERNATIONAL EQUITY 33939L407 262 8,050 SH   SOLE 0 8,050 0 0
FLEXSHARES GLOBAL UPSTREAM NATURAL RESOURCES ETF/INTERNATIONAL EQUITY 33939L407 23 700 SH   DFND 0 700 0 0
FORD MOTOR COMPANY COMMON STOCK 345370860 2 200 SH   SOLE 0 200 0 0
FORD MOTOR COMPANY COMMON STOCK 345370860 18 2,000 SH   DFND 0 2,000 0 0
FORTUNE BRANDS HOME & SEC COMMON STOCK 34964C106 51 600 SH   SOLE 0 600 0 0
FRANCO NEVADA CORP FOREIGN EQUITIES 351858105 17 132 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 7 898 SH   DFND 0 898 0 0
GABELLI EQUITY TR INC CLOSED END MUTUAL FUNDS 362397101 6 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
GABELLI DIVIDEND & INCOME CLOSED END MUTUAL FUNDS 36242H104 0 19 SH   SOLE 0 19 0 0
GABELLI HLTHCARE & WELLNESS CLOSED END MUTUAL FUNDS 36246K103 1 42 SH   SOLE 0 42 0 0
ARTHUR J GALLAGHER & CO COMMON STOCK 363576109 19 150 SH   DFND 0 150 0 0
GAP INC COMMON STOCK 364760108 54 2,700 SH   SOLE 0 2,700 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 1,340 9,006 SH   SOLE 0 9,006 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 42 282 SH   DFND 0 282 0 0
GENERAL ELECTRIC CO COMMON STOCK 369604103 251 23,229 SH   SOLE 0 23,229 0 0
GENERAL ELECTRIC CO COMMON STOCK 369604103 115 10,628 SH   DFND 0 10,628 0 0
GENERAL MILLS INC COMMON STOCK 370334104 2,471 42,033 SH   SOLE 0 42,033 0 0
GENERAL MILLS INC COMMON STOCK 370334104 480 8,160 SH   DFND 0 8,160 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 774 13,282 SH   SOLE 0 13,282 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 175 3,000 SH   DFND 0 3,000 0 0
GLAXOSMITHKLINE PLC ADR FOREIGN EQUITIES 37733W105 47 1,275 SH   SOLE 0 1,275 0 0
GLOBAL X ROBOTICS & AI ETF ETF/INTERNATIONAL EQUITY 37954Y715 2,766 83,495 SH   SOLE 0 83,395 0 100
GLOBAL X ROBOTICS & AI ETF ETF/INTERNATIONAL EQUITY 37954Y715 2 60 SH   DFND 0 60 0 0
GOLDMAN SACHS JUST US LARGE CAP EQUITY ETF ETF/EQUITY 381430396 6 105 SH   SOLE 0 105 0 0
HANCOCK JOHN INVT TR TAX ADV GLB SH CLOSED END MUTUAL FUNDS 41013P749 0 52 SH   SOLE 0 52 0 0
JH PREMIUM DIVIDEND FUND CLOSED END MUTUAL FUNDS 41013T105 9 600 SH   SOLE 0 600 0 0
HARLEY DAVIDSON INC COMMON STOCK 412822108 7 200 SH   SOLE 0 200 0 0
HEAT BIOLOGICS INC COMMON STOCK 42237K409 10 1,928 SH   SOLE 0 1,928 0 0
HERSHEY CO COMMON STOCK 427866108 650 4,265 SH   SOLE 0 4,265 0 0
HERSHEY CO COMMON STOCK 427866108 215 1,410 SH   DFND 0 1,410 0 0
HOME DEPOT INC COMMON STOCK 437076102 2,563 9,649 SH   SOLE 0 9,649 0 0
HOME DEPOT INC COMMON STOCK 437076102 257 968 SH   DFND 0 968 0 0
HONEYWELL INTL INC COMMON STOCK 438516106 2,001 9,406 SH   SOLE 0 9,406 0 0
HONEYWELL INTL INC COMMON STOCK 438516106 55 259 SH   DFND 0 259 0 0
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109 3,946 19,357 SH   SOLE 0 19,357 0 0
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109 712 3,493 SH   DFND 0 3,493 0 0
INCYTE CORP COMMON STOCK 45337C102 9 100 SH   SOLE 0 100 0 0
INFINITY PHARMACEUTICALS INC COMMON STOCK 45665G303 25 12,000 SH   SOLE 0 12,000 0 0
INFUSYSTEMS HOLDINGS INC COMMON STOCK 45685K102 56 3,000 SH   SOLE 0 3,000 0 0
INGERSOLL RAND INC COMMON STOCK 45687V106 50 1,095 SH   SOLE 0 1,095 0 0
INSIGHT SELECT INCOME FD CLOSED END MUTUAL FUNDS 45781W109 5 240 SH   SOLE 0 240 0 0
INTEL CORP COMMON STOCK 458140100 7,496 150,500 SH   SOLE 0 150,500 0 0
INTEL CORP COMMON STOCK 458140100 1,265 25,401 SH   DFND 0 25,401 0 0
INTL BUSINESS MACHINES CORP COMMON STOCK 459200101 7,256 57,639 SH   SOLE 0 57,639 0 0
INTL BUSINESS MACHINES CORP COMMON STOCK 459200101 9,908 78,711 SH   DFND 0 78,711 0 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103 8 156 SH   DFND 0 156 0 0
INVESCO ACTIVELY MANAGD ETF ULTRA SHRT DUR ETF/FIXED INCOME 46090A887 4,648 91,900 SH   SOLE 0 91,900 0 0
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 1,795 5,721 SH   SOLE 0 5,713 8 0
INVESCO QQQ TRUST ETF/EQUITY 46090E103 132 420 SH   DFND 0 420 0 0
INTUIT INC COMMON STOCK 461202103 11 30 SH   SOLE 0 30 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 33 323 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 15 112 SH   SOLE 0 112 0 0
INVESCO EXCH TRADED FD TR IINATL AMT MUNI ETF/EQUITY 46138E537 34 1,250 SH   SOLE 0 1,250 0 0
INVESCO VARIABLE RATE PFD ETF/EQUITY 46138G870 1,687 65,000 SH   SOLE 0 65,000 0 0
INVESCO VARIABLE RATE PFD ETF/EQUITY 46138G870 21 800 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 74 411 SH   SOLE 0 411 0 0
IRIDIUM COMMUNICATIONS INC COMMON STOCK 46269C102 8 200 SH   DFND 0 200 0 0
ISHARES SILVER TRUST ETF/OTHER 46428Q109 18 750 SH   SOLE 0 750 0 0
ISHARES SILVER TRUST ETF/OTHER 46428Q109 46 1,872 SH   DFND 0 1,872 0 0
ISHARES GOLD TRUST ETF/OTHER 464285105 6,879 379,658 SH   SOLE 0 379,358 0 300
ISHARES GOLD TRUST ETF/OTHER 464285105 7 405 SH   DFND 0 405 0 0
ISHARES MSCI CANADA ETF ETF/INTERNATIONAL EQUITY 464286509 263 8,518 SH   SOLE 0 8,518 0 0
ISHARES MSCI MIN VOL EMERGE MARKETS ETF ETF/INTERNATIONAL EQUITY 464286533 2,484 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 CORE S&P TOTAL US STOCK MKT ETF ETF/EQUITY 464287150 10 120 SH   SOLE 0 120 0 0
ISHARES SELECT DIVIDEND ETF ETF/EQUITY 464287168 84 878 SH   SOLE 0 878 0 0
ISHARES TIPS BOND ETF ETF/FIXED INCOME 464287176 796 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 47,870 127,523 SH   SOLE 0 127,494 29 0
ISHARES CORE S&P 500 ETF ETF/EQUITY 464287200 186 495 SH   DFND 0 495 0 0
ISHARES CORE US AGGREGATE BOND ETF ETF/FIXED INCOME 464287226 33 281 SH   SOLE 0 230 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 260 5,033 SH   SOLE 0 5,033 0 0
ISHARES MSCI EMERGING MKTS ETF ETF/INTERNATIONAL EQUITY 464287234 7 140 SH   DFND 0 140 0 0
ISHARES IBOXX $ INVMT GRADE CORP BOND ETF ETF/FIXED INCOME 464287242 203 1,471 SH   SOLE 0 1,471 0 0
ISHARES IBOXX $ INVMT GRADE CORP BOND ETF ETF/FIXED INCOME 464287242 59 425 SH   DFND 0 425 0 0
ISHARES S&P 500 GROWTH ETF ETF/EQUITY 464287309 827 12,955 SH   SOLE 0 12,955 0 0
ISHARES S&P 500 GROWTH ETF ETF/EQUITY 464287309 12 185 SH   DFND 0 185 0 0
ISHARES GLOBAL HEALTHCARE ETF/EQUITY 464287325 2,552 33,385 SH   SOLE 0 33,350 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 728 5,685 SH   SOLE 0 5,685 0 0
ISHARES S&P 500 VALUE ETF ETF/EQUITY 464287408 13 105 SH   DFND 0 105 0 0
ISHARES 7-10 YEAR TSY BOND ETF/FIXED INCOME 464287440 804 6,700 SH   SOLE 0 6,560 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 BOND ETF/FIXED INCOME 464287457 555 6,421 SH   SOLE 0 6,421 0 0
ISHARES 1-3 YR TREASURY BOND ETF/FIXED INCOME 464287457 160 1,850 SH   DFND 0 1,850 0 0
ISHARES MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 464287465 2,869 39,330 SH   SOLE 0 39,330 0 0
ISHARES MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 464287465 831 11,387 SH   DFND 0 11,387 0 0
ISHARES RUSSELL MIDCAP VALUE ETF/EQUITY 464287473 4,145 42,752 SH   SOLE 0 42,752 0 0
ISHARES RUSSELL MIDCAP VALUE ETF/EQUITY 464287473 175 1,800 SH   DFND 0 1,800 0 0
ISHARES RUSSELL MID GROWTH ETF/EQUITY 464287481 9 90 SH   SOLE 0 90 0 0
ISHARES RUSSELL MIDCAP ETF ETF/EQUITY 464287499 122 1,774 SH   DFND 0 1,774 0 0
ISHARES CORE S&P MIDCAP ETF ETF/EQUITY 464287507 10,770 46,863 SH   SOLE 0 46,838 0 25
ISHARES CORE S&P MIDCAP ETF ETF/EQUITY 464287507 168 731 SH   DFND 0 731 0 0
ISHARES NASDAQ BIOTECHNOLOGYETF ETF/EQUITY 464287556 3,273 21,603 SH   SOLE 0 21,583 0 20
ISHARES NASDAQ BIOTECHNOLOGYETF ETF/EQUITY 464287556 4 25 SH   DFND 0 25 0 0
ISHARES RUSSELL 1000 VALUE ETF/EQUITY 464287598 3,101 22,679 SH   SOLE 0 22,519 0 160
ISHARES RUSSELL 1000 VALUE ETF/EQUITY 464287598 967 7,075 SH   DFND 0 7,075 0 0
ISHARES S&P MIDCAP 400 GROWTH ETF ETF/EQUITY 464287606 490 6,780 SH   SOLE 0 6,780 0 0
ISHARES S&P MIDCAP 400 GROWTH ETF ETF/EQUITY 464287606 43 600 SH   DFND 0 600 0 0
ISHARES RUSSELL 1000 GROWTH ETF ETF/EQUITY 464287614 6,074 25,189 SH   SOLE 0 25,104 0 85
ISHARES RUSSELL 1000 GROWTH ETF ETF/EQUITY 464287614 1,836 7,612 SH   DFND 0 7,612 0 0
ISHARES RUSSELL 2000 VALUE ETF/EQUITY 464287630 28 209 SH   DFND 0 209 0 0
ISHARES RUSSELL 2000 GROWTH ETF ETF/EQUITY 464287648 5 19 SH   SOLE 0 19 0 0
ISHARES RUSSELL 2000 GROWTH ETF ETF/EQUITY 464287648 40 141 SH   DFND 0 141 0 0
ISHARES RUSSELL 2000 ETF ETF/EQUITY 464287655 1,019 5,195 SH   SOLE 0 5,195 0 0
ISHARES RUSSELL 2000 ETF ETF/EQUITY 464287655 127 649 SH   DFND 0 649 0 0
ISHARES US TELECOM ETF ETF/EQUITY 464287713 1 48 SH   SOLE 0 48 0 0
ISHARES US REAL ESTATE ETF/EQUITY 464287739 20 235 SH   SOLE 0 235 0 0
ISHARES CORE S&P SMALLCAP ETF ETF/EQUITY 464287804 12,305 133,896 SH   SOLE 0 133,836 0 60
ISHARES CORE S&P SMALLCAP ETF ETF/EQUITY 464287804 1,251 13,611 SH   DFND 0 13,611 0 0
ISHARES GLOBAL CLEAN ENERGY ETF/INTERNATIONAL EQUITY 464288224 28 1,000 SH   SOLE 0 1,000 0 0
ISHARES GLOBAL CLEAN ENERGY ETF/INTERNATIONAL EQUITY 464288224 25 900 SH   DFND 0 900 0 0
ISHARES MSCI ACWI EX US ETF ETF/INTERNATIONAL EQUITY 464288240 318 6,000 SH   SOLE 0 6,000 0 0
ISHARES MSCI EAFE SMALLCAP ETF ETF/INTERNATIONAL EQUITY 464288273 2 25 SH   SOLE 0 25 0 0
ISHARES NEW YORK MUNI BOND ETF/FIXED INCOME 464288323 245 4,200 SH   SOLE 0 4,200 0 0
ISHARES NATIONAL MUNI BOND ETF ETF/FIXED INCOME 464288414 59 500 SH   SOLE 0 500 0 0
ISHARES IBOXX $ HIGH YIELD CORP BOND ETF ETF/FIXED INCOME 464288513 34 385 SH   SOLE 0 327 58 0
ISHARES IBOXX $ HIGH YIELD CORP BOND ETF ETF/FIXED INCOME 464288513 95 1,093 SH   DFND 0 1,093 0 0
ISHARES INTERM GOVT/CREDIT BOND ETF - GVI ETF/FIXED INCOME 464288612 24 203 SH   SOLE 0 159 44 0
ISHARES INTERMEDIATE CREDIT BOND ETF ETF/FIXED INCOME 464288638 237 3,842 SH   SOLE 0 3,764 78 0
ISHARES INTERMEDIATE CREDIT BOND ETF ETF/FIXED INCOME 464288638 135 2,191 SH   DFND 0 2,191 0 0
ISHARES SHORT TERM CORP BOND ETF/FIXED INCOME 464288646 134 2,425 SH   SOLE 0 2,425 0 0
ISHARES SHORT TERM CORP BOND ETF/FIXED INCOME 464288646 243 4,410 SH   DFND 0 4,410 0 0
ISHARES US PREFERRED STOCK ETF/OTHER 464288687 2,158 56,051 SH   SOLE 0 56,051 0 0
ISHARES US PREFERRED STOCK ETF/OTHER 464288687 188 4,895 SH   DFND 0 4,895 0 0
ISHARES LONG TERM CORP BOND EXCHANGE TRADED FUND ETF/FIXED INCOME 464289511 11 150 SH   SOLE 0 150 0 0
ISHARES CORE HIGH DIVIDEND ETF/EQUITY 46429B663 78 890 SH   SOLE 0 890 0 0
ISHARES CORE HIGH DIVIDEND ETF/EQUITY 46429B663 21 240 SH   DFND 0 240 0 0
ISHARES EDGE MSCI MIN VOL EAFE ETF ETF/INTERNATIONAL EQUITY 46429B689 6,944 94,609 SH   SOLE 0 94,454 0 155
ISHARES EDGE MSCI MIN VOL EAFE ETF ETF/INTERNATIONAL EQUITY 46429B689 24 329 SH   DFND 0 329 0 0
ISHARES EDGE MSCI MIN VOL USA ETF ETF/EQUITY 46429B697 19,069 280,929 SH   SOLE 0 280,619 0 310
ISHARES EDGE MSCI MIN VOL USA ETF ETF/EQUITY 46429B697 41 600 SH   DFND 0 600 0 0
ISHARES EDGE MSCI USA QUALITY FACTOR ETF ETF/EQUITY 46432F339 23 200 SH   SOLE 0 200 0 0
ISHARES CORE MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 46432F842 31,284 452,800 SH   SOLE 0 452,635 0 165
ISHARES CORE MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 46432F842 349 5,052 SH   DFND 0 5,052 0 0
ISHARES TRUST CORE SHORT- TERM US BD ETF(ISTB) ETF/FIXED INCOME 46432F859 2 35 SH   SOLE 0 0 35 0
ISHARES CORE MSCI EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 46434G103 9,033 145,594 SH   SOLE 0 145,539 0 55
ISHARES CORE MSCI EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 46434G103 8 132 SH   DFND 0 132 0 0
ISHARES ESG MSCI EM ETF ETF/INTERNATIONAL EQUITY 46434G863 405 9,650 SH   SOLE 0 9,650 0 0
ISHARES 0-5 YR INVMT GR CORP ETF/FIXED INCOME 46434V100 44 835 SH   DFND 0 835 0 0
ISHARES TR ESG AWRE 1 5 YR ETF/FIXED INCOME 46435G243 3 100 SH   SOLE 0 100 0 0
ISHARES TR ESG MSCI USA ETF (ESGU) ETF/EQUITY 46435G425 10 120 SH   SOLE 0 120 0 0
ISHARES TR ESG MSCI USA ETF (ESGU) ETF/EQUITY 46435G425 21 243 SH   DFND 0 243 0 0
ISHARES EDGE MSCI MIN VOL USSMALLCAP ETF/EQUITY 46435G433 1,124 33,184 SH   SOLE 0 33,184 0 0
ISHARES ESG ADV HIGH YIELD ETF/FIXED INCOME 46435G441 21 405 SH   SOLE 0 405 0 0
ISHARES ESG MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 46435G516 378 5,175 SH   SOLE 0 5,175 0 0
ISHARES BROAD USD HIGH YIELDCORP BOND ETF ETF/FIXED INCOME 46435U853 510 12,365 SH   SOLE 0 12,095 0 270
ISHARES BROAD USD HIGH YIELDCORP BOND ETF ETF/FIXED INCOME 46435U853 7 180 SH   DFND 0 180 0 0
JPMORGAN CHASE & CO COMMON STOCK 46625H100 9,545 75,116 SH   SOLE 0 75,116 0 0
JPMORGAN CHASE & CO COMMON STOCK 46625H100 789 6,211 SH   DFND 0 6,211 0 0
JABIL CIRCUIT INC. COMMON STOCK 466313103 9 200 SH   SOLE 0 200 0 0
JP MORGAN ULTRA SHORT INC ETF/FIXED INCOME 46641Q837 5,075 99,925 SH   SOLE 0 99,725 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 21 194 SH   DFND 0 194 0 0
JAPAN SMALLER CAP FD CLOSED END MUTUAL FUNDS 47109U104 1 86 SH   SOLE 0 86 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 9,408 59,780 SH   SOLE 0 59,780 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 2,579 16,390 SH   DFND 0 16,390 0 0
JOUNCE THERAPEUTICS INC COMMON STOCK 481116101 14 2,000 SH   SOLE 0 2,000 0 0
KLA CORPORATION COMMON STOCK 482480100 106 410 SH   SOLE 0 410 0 0
KEYCORP COMMON STOCK 493267108 141 8,626 SH   SOLE 0 8,626 0 0
KEYCORP COMMON STOCK 493267108 8 500 SH   DFND 0 500 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 174 1,294 SH   SOLE 0 1,294 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 642 4,765 SH   DFND 0 4,765 0 0
KINDER MORGAN INC COMMON STOCK 49456B101 3 216 SH   SOLE 0 216 0 0
KRAFT HEINZ COMPANY COMMON STOCK 500754106 88 2,533 SH   DFND 0 2,533 0 0
KRANESHARES CHINA INTERNET ETF/INTERNATIONAL EQUITY 500767306 1,509 19,655 SH   SOLE 0 19,615 0 40
KRANESHARES CHINA INTERNET ETF/INTERNATIONAL EQUITY 500767306 9 120 SH   DFND 0 120 0 0
KROGER COMPANY COMMON STOCK 501044101 12 370 SH   SOLE 0 370 0 0
L3HARRIS TECHNOLOGIES INC COMMON STOCK 502431109 6 30 SH   DFND 0 30 0 0
ESTEE LAUDER COMP INC CL A COMMON STOCK 518439104 27 100 SH   SOLE 0 100 0 0
LIBERTY ALL STAR EQUITY FD CLOSED END MUTUAL FUNDS 530158104 0 58 SH   SOLE 0 58 0 0
LIBERTY ALL STAR EQUITY FD CLOSED END MUTUAL FUNDS 530158104 50 7,208 SH   DFND 0 7,208 0 0
ELI LILLY AND COMPANY COMMON STOCK 532457108 852 5,048 SH   SOLE 0 5,048 0 0
ELI LILLY AND COMPANY COMMON STOCK 532457108 274 1,622 SH   DFND 0 1,622 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 177 500 SH   SOLE 0 500 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 206 580 SH   DFND 0 580 0 0
LOEWS CORP COMMON STOCK 540424108 59 1,300 SH   DFND 0 1,300 0 0
LOWES COMPANIES INC COMMON STOCK 548661107 3,821 23,806 SH   SOLE 0 23,806 0 0
LOWES COMPANIES INC COMMON STOCK 548661107 198 1,232 SH   DFND 0 1,232 0 0
M & T BANK CORP COMMON STOCK 55261F104 165 1,293 SH   SOLE 0 1,293 0 0
M & T BANK CORP COMMON STOCK 55261F104 1,037 8,148 SH   DFND 0 8,148 0 0
MFS INTERMEDIATE INCOME CLOSED END MUTUAL FUNDS 55273C107 3 658 SH   SOLE 0 658 0 0
MAGNA INTERNATIONAL INC FOREIGN EQUITIES 559222401 51 720 SH   SOLE 0 720 0 0
MANULIFE FINL CORP FOREIGN EQUITIES 56501R106 267 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 14 344 SH   DFND 0 344 0 0
MARKEL CORPORATION COMMON STOCK 570535104 103 100 SH   DFND 0 100 0 0
MASTERCARD INC CLASS A COMMON STOCK 57636Q104 337 945 SH   SOLE 0 945 0 0
MASTERCARD INC CLASS A COMMON STOCK 57636Q104 18 50 SH   DFND 0 50 0 0
MCDONALDS CORP COMMON STOCK 580135101 3,687 17,183 SH   SOLE 0 17,183 0 0
MCDONALDS CORP COMMON STOCK 580135101 454 2,118 SH   DFND 0 2,118 0 0
MCKESSON CORP COMMON STOCK 58155Q103 46 266 SH   SOLE 0 266 0 0
MCKESSON CORP COMMON STOCK 58155Q103 609 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 8,642 105,650 SH   SOLE 0 105,650 0 0
MERCK & COMPANY INC COMMON STOCK 58933Y105 1,440 17,602 SH   DFND 0 17,602 0 0
METLIFE INC COMMON STOCK 59156R108 9 200 SH   SOLE 0 200 0 0
METTLER-TOLEDO INTL COMMON STOCK 592688105 1,140 1,000 SH   DFND 0 1,000 0 0
MICROSOFT CORP COMMON STOCK 594918104 15,214 68,402 SH   SOLE 0 68,402 0 0
MICROSOFT CORP COMMON STOCK 594918104 2,348 10,555 SH   DFND 0 10,555 0 0
MILLER INDUSTRIES INC COMMON STOCK 600551204 40 1,054 SH   SOLE 0 1,054 0 0
MODERNA INC COMMON STOCK 60770K107 21 200 SH   SOLE 0 200 0 0
MOLINA HEALTHCARE INC COMMON STOCK 60855R100 11 50 SH   SOLE 0 50 0 0
MONDELEZ INTL INC CL A COMMON STOCK 609207105 395 6,759 SH   SOLE 0 6,759 0 0
MONDELEZ INTL INC CL A COMMON STOCK 609207105 267 4,575 SH   DFND 0 4,575 0 0
MORGAN STANLEY COMMON STOCK 617446448 460 6,714 SH   SOLE 0 6,714 0 0
NBT BANCORP INC COMMON STOCK 628778102 822 25,611 SH   SOLE 0 25,611 0 0
NBT BANCORP INC COMMON STOCK 628778102 1,121 34,928 SH   DFND 0 34,928 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 134 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 11 1,000 SH   SOLE 0 1,000 0 0
NEW YORK CMNTY BANCORP INC COMMON STOCK 649445103 2 175 SH   DFND 0 175 0 0
NEXSTAR MEDIA GROUP CLASS A COMMON STOCK 65336K103 5 50 SH   SOLE 0 50 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 2,598 33,679 SH   SOLE 0 33,679 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 1,400 18,140 SH   DFND 0 18,140 0 0
NIKE INC CLASS B COMMON STOCK 654106103 3,710 26,226 SH   SOLE 0 26,226 0 0
NIKE INC CLASS B COMMON STOCK 654106103 246 1,741 SH   DFND 0 1,741 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 1,993 8,386 SH   SOLE 0 8,386 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 285 1,200 SH   DFND 0 1,200 0 0
NORTHROP GRUMMAN CORP COMMON STOCK 666807102 99 325 SH   SOLE 0 325 0 0
NORTHROP GRUMMAN CORP COMMON STOCK 666807102 61 200 SH   DFND 0 200 0 0
NORWOOD FINANCIAL CORP COMMON STOCK 669549107 282 10,767 SH   SOLE 0 10,767 0 0
NOVARTIS AG ADR FOREIGN EQUITIES 66987V109 582 6,166 SH   SOLE 0 6,166 0 0
NOVARTIS AG ADR FOREIGN EQUITIES 66987V109 327 3,460 SH   DFND 0 3,460 0 0
NUCOR CORP COMMON STOCK 670346105 2,548 47,917 SH   SOLE 0 47,917 0 0
NUCOR CORP COMMON STOCK 670346105 450 8,467 SH   DFND 0 8,467 0 0
NUVEEN NY AMT FREE MUN INC NY TAX EXEMPT 670656107 10 770 SH   SOLE 0 770 0 0
NUVEEN AMT FREE QLTY MUN INC CLOSED END MUTUAL FUNDS 670657105 4 237 SH   SOLE 0 237 0 0
NVIDIA CORPORATION COMMON STOCK 67066G104 149 285 SH   SOLE 0 285 0 0
NUVEEN QUALITY MUNICIPAL INCOME FUND CLOSED END MUTUAL FUNDS 67066V101 4 235 SH   SOLE 0 235 0 0
NUVEEN AMT FREE MUNI CR INC CLOSED END MUTUAL FUNDS 67071L106 7 400 SH   SOLE 0 400 0 0
OKTA INC CL A COMMON STOCK 679295105 51 200 SH   DFND 0 200 0 0
OLD REPUBLIC INTL CORP COMMON STOCK 680223104 8 400 SH   DFND 0 400 0 0
OMNICOM GROUP INC COMMON STOCK 681919106 2,470 39,609 SH   SOLE 0 39,609 0 0
OMNICOM GROUP INC COMMON STOCK 681919106 140 2,245 SH   DFND 0 2,245 0 0
OMEGA HEALTHCARE INV INC COMMON STOCK 681936100 29 798 SH   SOLE 0 798 0 0
ONEOK INC COMMON STOCK 682680103 15 394 SH   SOLE 0 394 0 0
ORACLE CORP COMMON STOCK 68389X105 728 11,249 SH   SOLE 0 11,249 0 0
ORACLE CORP COMMON STOCK 68389X105 9 140 SH   DFND 0 140 0 0
ORANGE SA ADR FOREIGN EQUITIES 684060106 12 1,000 SH   DFND 0 1,000 0 0
OTIS WORLDWIDE CORP COMMON STOCK 68902V107 239 3,546 SH   SOLE 0 3,546 0 0
OTIS WORLDWIDE CORP COMMON STOCK 68902V107 78 1,154 SH   DFND 0 1,154 0 0
PNC FINL SVCS GROUP INC COMMON STOCK 693475105 2,177 14,612 SH   SOLE 0 14,612 0 0
PNC FINL SVCS GROUP INC COMMON STOCK 693475105 8 55 SH   DFND 0 55 0 0
PPG INDUSTRIES INC COMMON STOCK 693506107 386 2,677 SH   SOLE 0 2,677 0 0
PPG INDUSTRIES INC COMMON STOCK 693506107 35 240 SH   DFND 0 240 0 0
PPL CORP COMMON STOCK 69351T106 1,241 44,012 SH   SOLE 0 44,012 0 0
PPL CORP COMMON STOCK 69351T106 93 3,300 SH   DFND 0 3,300 0 0
PACER BENCHMARK DATA&INFRAS RE SECTOR ETF ETF/EQUITY 69374H741 2,758 76,955 SH   SOLE 0 76,795 0 160
PACER BENCHMARK DATA&INFRAS RE SECTOR ETF ETF/EQUITY 69374H741 7 185 SH   DFND 0 185 0 0
PACER BNCHMRK INDSTR RE SCTR ETF/EQUITY 69374H766 954 25,920 SH   SOLE 0 25,845 0 75
PACER BNCHMRK INDSTR RE SCTR ETF/EQUITY 69374H766 1 40 SH   DFND 0 40 0 0
PALO ALTO NETWORKS INC COMMON STOCK 697435105 43 120 SH   SOLE 0 120 0 0
PAVMED INC COMMON STOCK 70387R106 11 5,000 SH   DFND 0 5,000 0 0
PAYCOM SOFTWARE INC COMMON STOCK 70432V102 90 200 SH   DFND 0 200 0 0
PAYCHEX INC COMMON STOCK 704326107 47 500 SH   SOLE 0 500 0 0
PAYCHEX INC COMMON STOCK 704326107 63 675 SH   DFND 0 675 0 0
PEOPLES FINL SVCS CORP COMMON STOCK 711040105 45 1,218 SH   SOLE 0 1,218 0 0
PEOPLES UNITED FINANCIAL INC COMMON STOCK 712704105 52 4,000 SH   SOLE 0 4,000 0 0
PEOPLES UNITED FINANCIAL INC COMMON STOCK 712704105 19 1,500 SH   DFND 0 1,500 0 0
PEPSICO INC COMMON STOCK 713448108 7,908 53,325 SH   SOLE 0 53,325 0 0
PEPSICO INC COMMON STOCK 713448108 1,753 11,820 SH   DFND 0 11,820 0 0
PFIZER INC COMMON STOCK 717081103 5,237 142,280 SH   SOLE 0 142,280 0 0
PFIZER INC COMMON STOCK 717081103 1,227 33,334 SH   DFND 0 33,334 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109 453 5,475 SH   SOLE 0 5,475 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109 77 929 SH   DFND 0 929 0 0
PHILLIPS 66 COMMON STOCK 718546104 747 10,675 SH   SOLE 0 10,675 0 0
PHILLIPS 66 COMMON STOCK 718546104 105 1,500 SH   DFND 0 1,500 0 0
PIMCO ENHANCED SHORT MAT ESG ETF/FIXED INCOME 72201R643 18 180 SH   SOLE 0 180 0 0
PIMCO ENHANCED LOW DURATION ETF/FIXED INCOME 72201R718 2,041 20,000 SH   SOLE 0 20,000 0 0
PIMCO ENHANCED SHORT MATURE ACTIVE ETF ETF/FIXED INCOME 72201R833 1,602 15,698 SH   SOLE 0 15,492 0 206
PINNACLE WEST CPTL CORP COMMON STOCK 723484101 204 2,550 SH   SOLE 0 2,550 0 0
POLARIS INDUSTRIES INC COMMON STOCK 731068102 10 100 SH   SOLE 0 100 0 0
PRINCIPAL SPECTRUM PFD SEC ETF/EQUITY 74255Y888 2,498 120,780 SH   SOLE 0 120,780 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 7,870 56,564 SH   SOLE 0 56,564 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 1,091 7,844 SH   DFND 0 7,844 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102 5 58 SH   SOLE 0 58 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102 30 387 SH   DFND 0 387 0 0
PUBLIC SVC ENTERPRISE GROUP COMMON STOCK 744573106 4,525 77,633 SH   SOLE 0 77,633 0 0
PUBLIC SVC ENTERPRISE GROUP COMMON STOCK 744573106 1,124 19,287 SH   DFND 0 19,287 0 0
PULTE GROUP INC COMMON STOCK 745867101 9 210 SH   DFND 0 210 0 0
QUALCOMM INC COMMON STOCK 747525103 2,064 13,550 SH   SOLE 0 13,550 0 0
QUALCOMM INC COMMON STOCK 747525103 107 700 SH   DFND 0 700 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 2,040 28,529 SH   SOLE 0 28,529 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 470 6,572 SH   DFND 0 6,572 0 0
REALTY INCOME CORP COMMON STOCK 756109104 18 284 SH   SOLE 0 284 0 0
REPUBLIC SERVICES INC COMMON STOCK 760759100 10 100 SH   SOLE 0 100 0 0
RIO TINTO PLC ADR FOREIGN EQUITIES 767204100 260 3,450 SH   SOLE 0 3,450 0 0
RIO TINTO PLC ADR FOREIGN EQUITIES 767204100 40 535 SH   DFND 0 535 0 0
ROCKWELL AUTOMATION INC COMMON STOCK 773903109 552 2,200 SH   SOLE 0 2,200 0 0
ROCKWELL AUTOMATION INC COMMON STOCK 773903109 44 175 SH   DFND 0 175 0 0
ROPER INDS INC COMMON STOCK 776696106 302 700 SH   DFND 0 700 0 0
ROYAL BANK OF CANADA FOREIGN EQUITIES 780087102 1,162 14,165 SH   SOLE 0 14,165 0 0
ROYAL BANK OF CANADA FOREIGN EQUITIES 780087102 103 1,250 SH   DFND 0 1,250 0 0
ROYAL DUTCH SHELL PLC CL A FOREIGN EQUITIES 780259206 51 1,450 SH   SOLE 0 1,450 0 0
ROYAL DUTCH SHELL PLC CL A FOREIGN EQUITIES 780259206 30 850 SH   DFND 0 850 0 0
ROYAL GOLD INC COMMON STOCK 780287108 5 48 SH   DFND 0 48 0 0
S&P GLOBAL INC COMMON STOCK 78409V104 329 1,000 SH   DFND 0 1,000 0 0
SPDR S&P 500 ETF ETF/EQUITY 78462F103 7,244 19,375 SH   SOLE 0 19,375 0 0
SPDR S&P 500 ETF ETF/EQUITY 78462F103 728 1,946 SH   DFND 0 1,946 0 0
SPDR GOLD SHARES ETF/OTHER 78463V107 737 4,132 SH   SOLE 0 4,132 0 0
SPDR GOLD SHARES ETF/OTHER 78463V107 907 5,085 SH   DFND 0 5,085 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 841 15,210 SH   SOLE 0 15,210 0 0
SPDR PORTFOLIO S&P 500 VALUE ETF/EQUITY 78464A508 842 24,485 SH   SOLE 0 24,485 0 0
SPDR INTERMEDIATE TREASURY ETF/FIXED INCOME 78464A672 212 6,425 SH   SOLE 0 6,425 0 0
SPDR S&P REGIONAL BANKING ETF/EQUITY 78464A698 1 21 SH   SOLE 0 21 0 0
SPDR S&P DIVIDEND ETF ETF/EQUITY 78464A763 8 80 SH   SOLE 0 80 0 0
SPDR S&P BIOTECH ETF ETF/EQUITY 78464A870 154 1,092 SH   SOLE 0 1,092 0 0
SPDR BLACKSTONE/GSO SENIOR LOAN ETF ETF/FIXED INCOME 78467V608 387 8,477 SH   SOLE 0 8,289 0 188
SPDR BLACKSTONE/GSO SENIOR LOAN ETF ETF/FIXED INCOME 78467V608 33 725 SH   DFND 0 725 0 0
SPDR DOUBLELINE TOTAL RETURNTACT ETF ETF/FIXED INCOME 78467V848 5,802 117,750 SH   SOLE 0 117,750 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 6,267 14,925 SH   SOLE 0 14,925 0 0
SPDR S&P MIDCAP 400 ETF ETF/EQUITY 78467Y107 1,297 3,088 SH   DFND 0 3,088 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 33 625 SH   SOLE 0 625 0 0
SPDR PORTFOLIO SMALLCAP ETF ETF/EQUITY 78468R853 29 800 SH   SOLE 0 800 0 0
SPDR DOUBLELINE SHRT DUR ETF/FIXED INCOME 78470P200 28 560 SH   SOLE 0 560 0 0
SALESFORCE.COM INC COMMON STOCK 79466L302 70 314 SH   SOLE 0 314 0 0
SCHLUMBERGER LTD FOREIGN EQUITIES 806857108 106 4,837 SH   SOLE 0 4,837 0 0
SCHLUMBERGER LTD FOREIGN EQUITIES 806857108 60 2,738 SH   DFND 0 2,738 0 0
SCHWAB US SMALL CAP ETF ETF/EQUITY 808524607 3,431 38,553 SH   SOLE 0 38,553 0 0
SCHWAB US SMALL CAP ETF ETF/EQUITY 808524607 172 1,927 SH   DFND 0 1,927 0 0
MATERIALS SELECT SECTOR SPDR ETF/EQUITY 81369Y100 169 2,332 SH   SOLE 0 2,332 0 0
MATERIALS SELECT SECTOR SPDR ETF/EQUITY 81369Y100 723 9,985 SH   DFND 0 9,985 0 0
HEALTH CARE SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y209 343 3,020 SH   SOLE 0 3,020 0 0
CONSUMER STAPLES SECTOR SPDR ETF/EQUITY 81369Y308 204 3,022 SH   SOLE 0 3,022 0 0
CONSUMER STAPLES SECTOR SPDR ETF/EQUITY 81369Y308 21 310 SH   DFND 0 310 0 0
CONSUMER DISCRET SEL SECT SPDR ETF ETF/EQUITY 81369Y407 222 1,383 SH   SOLE 0 1,383 0 0
CONSUMER DISCRET SEL SECT SPDR ETF ETF/EQUITY 81369Y407 32 197 SH   DFND 0 197 0 0
ENERGY SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y506 1,133 29,909 SH   SOLE 0 29,909 0 0
ENERGY SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y506 90 2,385 SH   DFND 0 2,385 0 0
SPDR FINANCIAL SELECT SECTOR ETF/EQUITY 81369Y605 33 1,136 SH   SOLE 0 1,136 0 0
TECHNOLOGY SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y803 577 4,437 SH   SOLE 0 4,437 0 0
TECHNOLOGY SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y803 485 3,733 SH   DFND 0 3,733 0 0
SELECT SECTOR SPDR TR COMMUNICATION ETF/EQUITY 81369Y852 101 1,492 SH   SOLE 0 1,492 0 0
UTILITIES SELECT SECTOR SPDR ETF/EQUITY 81369Y886 3,821 60,949 SH   SOLE 0 60,859 0 90
UTILITIES SELECT SECTOR SPDR ETF/EQUITY 81369Y886 48 772 SH   DFND 0 772 0 0
SEMPRA ENERGY COMMON STOCK 816851109 573 4,496 SH   SOLE 0 4,496 0 0
SEMPRA ENERGY COMMON STOCK 816851109 135 1,060 SH   DFND 0 1,060 0 0
SIERRA WIRELESS INC FOREIGN EQUITIES 826516106 15 1,000 SH   DFND 0 1,000 0 0
SIRIUS XM HOLDINGS INC COMMON STOCK 82968B103 32 5,000 SH   DFND 0 5,000 0 0
SORRENTO THERAPEUTICS INC COMMON STOCK 83587F202 1 200 SH   DFND 0 200 0 0
SOUTHERN COMPANY COMMON STOCK 842587107 1,024 16,669 SH   SOLE 0 16,669 0 0
SOUTHERN COMPANY COMMON STOCK 842587107 237 3,857 SH   DFND 0 3,857 0 0
AEROSYSTEMS HLDGS INC CL A COMMON STOCK 848574109 12 300 SH   DFND 0 300 0 0
SPROTT PHYSICAL GOLD TRUST ETF/OTHER 85207H104 780 51,697 SH   SOLE 0 51,697 0 0
SPROTT PHYSICAL GOLD TRUST ETF/OTHER 85207H104 6 427 SH   DFND 0 427 0 0
SQUARE INC CL A COMMON STOCK 852234103 36 165 SH   SOLE 0 165 0 0
STANLEY BLACK & DECKER INC COMMON STOCK 854502101 89 500 SH   SOLE 0 500 0 0
STANLEY BLACK & DECKER INC COMMON STOCK 854502101 357 2,000 SH   DFND 0 2,000 0 0
STARBUCKS CORP COMMON STOCK 855244109 1,276 11,923 SH   SOLE 0 11,923 0 0
STARBUCKS CORP COMMON STOCK 855244109 45 420 SH   DFND 0 420 0 0
STATE STREET CORP COMMON STOCK 857477103 163 2,242 SH   SOLE 0 2,242 0 0
STATE STREET CORP COMMON STOCK 857477103 58 800 SH   DFND 0 800 0 0
STERICYCLE INC COMMON STOCK 858912108 166 2,400 SH   DFND 0 2,400 0 0
STRYKER CORP COMMON STOCK 863667101 1,732 7,070 SH   SOLE 0 7,070 0 0
STRYKER CORP COMMON STOCK 863667101 44 179 SH   DFND 0 179 0 0
SUBURBAN PROPANE PARTNERS LP COMMON STOCK 864482104 10 660 SH   SOLE 0 660 0 0
SUBURBAN PROPANE PARTNERS LP COMMON STOCK 864482104 0 10 SH   DFND 0 10 0 0
SUN COMMUNITIES INC COMMON STOCK 866674104 46 301 SH   SOLE 0 301 0 0
SUN LIFE FINANCIAL INC FOREIGN EQUITIES 866796105 120 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 42 2,500 SH   DFND 0 2,500 0 0
SYSCO CORP COMMON STOCK 871829107 1,683 22,666 SH   SOLE 0 22,666 0 0
SYSCO CORP COMMON STOCK 871829107 766 10,315 SH   DFND 0 10,315 0 0
TJX COMPANIES COMMON STOCK 872540109 357 5,234 SH   SOLE 0 5,234 0 0
TJX COMPANIES COMMON STOCK 872540109 19 273 SH   DFND 0 273 0 0
TARGET CORP COMMON STOCK 87612E106 816 4,621 SH   SOLE 0 4,621 0 0
TARGET CORP COMMON STOCK 87612E106 21 117 SH   DFND 0 117 0 0
TC ENERGY CORP FOREIGN EQUITIES 87807B107 252 6,200 SH   SOLE 0 6,200 0 0
TELEDYNE TECHNOLOGIES INC COMMON STOCK 879360105 73 187 SH   DFND 0 187 0 0
TENARIS SA ADR FOREIGN EQUITIES 88031M109 16 1,000 SH   SOLE 0 1,000 0 0
TESLA MOTORS INC COMMON STOCK 88160R101 15 21 SH   SOLE 0 21 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 4,880 29,730 SH   SOLE 0 29,730 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 493 3,005 SH   DFND 0 3,005 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 575 1,234 SH   SOLE 0 1,234 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 256 550 SH   DFND 0 550 0 0
THOMSON REUTERS CORP FOREIGN EQUITIES 884903709 123 1,500 SH   SOLE 0 1,500 0 0
3M COMPANY COMMON STOCK 88579Y101 5,466 31,273 SH   SOLE 0 31,273 0 0
3M COMPANY COMMON STOCK 88579Y101 625 3,573 SH   DFND 0 3,573 0 0
TOMPKINS FINANCIAL CORP COMMON STOCK 890110109 173 2,450 SH   SOLE 0 2,450 0 0
TOMPKINS FINANCIAL CORP COMMON STOCK 890110109 318 4,500 SH   DFND 0 4,500 0 0
TORONTO DOMINION BANK FOREIGN EQUITIES 891160509 735 13,019 SH   SOLE 0 13,019 0 0
TORONTO DOMINION BANK FOREIGN EQUITIES 891160509 47 825 SH   DFND 0 825 0 0
TOTAL SA ADR FOREIGN EQUITIES 89151E109 53 1,265 SH   SOLE 0 1,265 0 0
TOYOTA MOTOR CORP FOREIGN EQUITIES 892331307 31 200 SH   SOLE 0 200 0 0
TOYOTA MOTOR CORP FOREIGN EQUITIES 892331307 93 600 SH   DFND 0 600 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109 1,060 7,555 SH   SOLE 0 7,555 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109 46 325 SH   DFND 0 325 0 0
TRILLIUM THERAPEUTICS INC COMMON STOCK 89620X506 9 600 SH   DFND 0 600 0 0
TRUIST FINANCIAL CORP COMMON STOCK 89832Q109 1,547 32,287 SH   SOLE 0 32,287 0 0
TRUIST FINANCIAL CORP COMMON STOCK 89832Q109 131 2,725 SH   DFND 0 2,725 0 0
TRUSTCO BANK CORP NY COMMON STOCK 898349105 6 842 SH   DFND 0 842 0 0
TWITTER INC COMMON STOCK 90184L102 11 200 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 15 200 SH   DFND 0 200 0 0
US BANCORP COMMON STOCK 902973304 2,033 43,639 SH   SOLE 0 43,639 0 0
US BANCORP COMMON STOCK 902973304 466 10,000 SH   DFND 0 10,000 0 0
UNION PACIFIC CORP COMMON STOCK 907818108 948 4,551 SH   SOLE 0 4,551 0 0
UNION PACIFIC CORP COMMON STOCK 907818108 216 1,035 SH   DFND 0 1,035 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 4,226 25,097 SH   SOLE 0 25,097 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 317 1,881 SH   DFND 0 1,881 0 0
UNITED STATES STEEL CORP COMMON STOCK 912909108 1 35 SH   DFND 0 35 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 2,423 6,909 SH   SOLE 0 6,909 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 307 875 SH   DFND 0 875 0 0
UNITI GROUP INC COMMON STOCK 91325V108 2 200 SH   DFND 0 200 0 0
VF CORP COMMON STOCK 918204108 894 10,474 SH   SOLE 0 10,474 0 0
VF CORP COMMON STOCK 918204108 33 392 SH   DFND 0 392 0 0
VBI VACCINES INC COMMON STOCK 91822J103 23 8,500 SH   SOLE 0 8,500 0 0
VALERO ENERGY CORP COMMON STOCK 91913Y100 17 300 SH   SOLE 0 300 0 0
VALLEY NATL BANCORP COMMON STOCK 919794107 150 15,356 SH   SOLE 0 15,356 0 0
VANECK VECTORS GOLD MINERS ETF ETF/INTERNATIONAL EQUITY 92189F106 210 5,835 SH   SOLE 0 5,785 0 50
VANECK VECTORS GOLD MINERS ETF ETF/INTERNATIONAL EQUITY 92189F106 722 20,045 SH   DFND 0 20,045 0 0
VANECK VECTORS ETF TR GREEN BD ETF ETF/FIXED INCOME 92189F171 3 100 SH   SOLE 0 100 0 0
VANECK VECTORS HIGH YLD MUNI ETF/FIXED INCOME 92189H409 46 750 SH   SOLE 0 750 0 0
VANGUARD DIVIDEND APPRECIATION ETF ETF/EQUITY 921908844 1,271 9,003 SH   SOLE 0 9,003 0 0
VANGUARD DIVIDEND APPRECIATION ETF ETF/EQUITY 921908844 489 3,464 SH   DFND 0 3,464 0 0
VANGUARD TOTAL INTL STOCK ETF ETF/INTERNATIONAL EQUITY 921909768 190 3,162 SH   SOLE 0 3,162 0 0
VANGUARD MEGA CAP GROWTH ETF/EQUITY 921910816 17 85 SH   SOLE 0 85 0 0
VANGUARD BD INDEX FD INC LONG TERM BOND ETF/FIXED INCOME 921937793 4 32 SH   SOLE 0 32 0 0
VANGUARD SHORT TERM BOND ETF ETF/FIXED INCOME 921937827 784 9,462 SH   SOLE 0 9,142 0 320
VANGUARD SHORT TERM BOND ETF ETF/FIXED INCOME 921937827 147 1,772 SH   DFND 0 1,772 0 0
VANGUARD TOTAL BOND MRKT ETF ETF/FIXED INCOME 921937835 1,144 12,974 SH   SOLE 0 12,974 0 0
VANGUARD TOTAL BOND MRKT ETF ETF/FIXED INCOME 921937835 128 1,452 SH   DFND 0 1,452 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF/INTERNATIONAL EQUITY 921943858 551 11,668 SH   SOLE 0 11,668 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF/INTERNATIONAL EQUITY 921943858 203 4,297 SH   DFND 0 4,297 0 0
VANGUARD HIGH DIVIDEND YIELD ETF/EQUITY 921946406 92 1,000 SH   SOLE 0 1,000 0 0
VANGUARD HIGH DIVIDEND YIELD ETF/EQUITY 921946406 32 350 SH   DFND 0 350 0 0
VANGUARD FINANCIALS ETF ETF/EQUITY 92204A405 580 7,965 SH   SOLE 0 7,965 0 0
VANGUARD FINANCIALS ETF ETF/EQUITY 92204A405 193 2,650 SH   DFND 0 2,650 0 0
VANGUARD HEALTH CARE ETF ETF/EQUITY 92204A504 18 81 SH   SOLE 0 81 0 0
VANGUARD HEALTH CARE ETF ETF/EQUITY 92204A504 456 2,038 SH   DFND 0 2,038 0 0
VANGUARD INDUSTRIALS ETF ETF/EQUITY 92204A603 748 4,400 SH   DFND 0 4,400 0 0
VANGUARD INFO TECH ETF ETF/EQUITY 92204A702 1,211 3,424 SH   SOLE 0 3,424 0 0
VANGUARD INFO TECH ETF ETF/EQUITY 92204A702 1,258 3,556 SH   DFND 0 3,556 0 0
VANGUARD UTILITIES ETF ETF/EQUITY 92204A876 142 1,035 SH   SOLE 0 1,035 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 922042858 2,929 58,455 SH   SOLE 0 57,834 621 0
VANGUARD FTSE EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 922042858 345 6,887 SH   DFND 0 6,887 0 0
VANGUARD INTL EQUITY INDEX FMEGA CAP GRO ETF ETF/INTERNATIONAL EQUITY 922042866 3 36 SH   SOLE 0 36 0 0
VANGUARD INTL EQUITY INDEX FMSCI EUROPE ETF ETF/INTERNATIONAL EQUITY 922042874 2 35 SH   SOLE 0 35 0 0
VANGUARD INTL EQUITY INDEX FMSCI EUROPE ETF ETF/INTERNATIONAL EQUITY 922042874 5 84 SH   DFND 0 84 0 0
VANGUARD SHORT TERM CORP BOND ETF ETF/FIXED INCOME 92206C409 2,539 30,501 SH   SOLE 0 30,501 0 0
VANGUARD SHORT TERM CORP BOND ETF ETF/FIXED INCOME 92206C409 717 8,614 SH   DFND 0 8,614 0 0
VANGUARD INTERM-TERM GOVT BDETF ETF/FIXED INCOME 92206C706 569 8,190 SH   SOLE 0 7,995 0 195
VANGUARD INTERM-TERM GOVT BDETF ETF/FIXED INCOME 92206C706 8 115 SH   DFND 0 115 0 0
VANGUARD LONG TERM TREASURY ETF/FIXED INCOME 92206C847 210 2,190 SH   SOLE 0 2,150 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 826 8,500 SH   SOLE 0 8,460 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 752 2,188 SH   SOLE 0 2,188 0 0
VANGUARD MIDCAP VALUE ETF ETF/EQUITY 922908512 42 354 SH   DFND 0 354 0 0
VANGUARD MIDCAP GROWTH ETF ETF/EQUITY 922908538 66 309 SH   DFND 0 309 0 0
VANGUARD REIT ETF ETF/EQUITY 922908553 1,109 13,060 SH   SOLE 0 13,060 0 0
VANGUARD REIT ETF ETF/EQUITY 922908553 42 496 SH   DFND 0 496 0 0
VANGUARD SMALLCAP GROWTH ETF ETF/EQUITY 922908595 24 88 SH   SOLE 0 88 0 0
VANGUARD SMALLCAP VALUE ETF ETF/EQUITY 922908611 199 1,400 SH   SOLE 0 1,400 0 0
VANGUARD MIDCAP ETF ETF/EQUITY 922908629 151 729 SH   SOLE 0 729 0 0
VANGUARD INDEX FDS EXTEND MKT ETF-VXF ETF/EQUITY 922908652 38 233 SH   SOLE 0 233 0 0
VANGUARD INDEX FDS EXTEND MKT ETF-VXF ETF/EQUITY 922908652 6 35 SH   DFND 0 35 0 0
VANGUARD GROWTH ETF ETF/EQUITY 922908736 39 155 SH   SOLE 0 155 0 0
VANGUARD GROWTH ETF ETF/EQUITY 922908736 276 1,089 SH   DFND 0 1,089 0 0
VANGUARD SMALLCAP ETF ETF/EQUITY 922908751 245 1,257 SH   SOLE 0 1,257 0 0
VANGUARD SMALLCAP ETF ETF/EQUITY 922908751 153 787 SH   DFND 0 787 0 0
VANGUARD TOTAL STOCK MARKET ETF ETF/EQUITY 922908769 12,604 64,757 SH   DFND 0 64,757 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 8,574 145,938 SH   SOLE 0 145,938 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 2,163 36,813 SH   DFND 0 36,813 0 0
VIATRIS INC COMMON STOCK 92556V106 324 17,297 SH   SOLE 0 17,297 0 0
VIATRIS INC COMMON STOCK 92556V106 76 4,042 SH   DFND 0 4,042 0 0
VISA INC CLASS A COMMON STOCK 92826C839 1,893 8,653 SH   SOLE 0 8,653 0 0
VISA INC CLASS A COMMON STOCK 92826C839 66 304 SH   DFND 0 304 0 0
VOYA GLOBAL EQ DIVIDEND & PREM OPP FUND CLOSED END MUTUAL FUNDS 92912T100 0 73 SH   SOLE 0 73 0 0
WP CAREY INC COMMON STOCK 92936U109 31 443 SH   DFND 0 443 0 0
WEC ENERGY GROUP INC COMMON STOCK 92939U106 14 152 SH   SOLE 0 152 0 0
WABTEC CORP COMMON STOCK 929740108 0 6 SH   SOLE 0 6 0 0
WABTEC CORP COMMON STOCK 929740108 3 38 SH   DFND 0 38 0 0
WAL MART STORES INC COMMON STOCK 931142103 4,829 33,503 SH   SOLE 0 33,503 0 0
WAL MART STORES INC COMMON STOCK 931142103 781 5,416 SH   DFND 0 5,416 0 0
WALGREENS BOOTS ALLIANCE INC COMMON STOCK 931427108 147 3,693 SH   SOLE 0 3,693 0 0
WALGREENS BOOTS ALLIANCE INC COMMON STOCK 931427108 89 2,235 SH   DFND 0 2,235 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109 218 1,847 SH   SOLE 0 1,847 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109 71 600 SH   DFND 0 600 0 0
WELLS FARGO & CO COMMON STOCK 949746101 303 10,026 SH   SOLE 0 10,026 0 0
WELLS FARGO & CO COMMON STOCK 949746101 27 890 SH   DFND 0 890 0 0
WELLTOWER INC COMMON STOCK 95040Q104 13 200 SH   DFND 0 200 0 0
WESTERN ASST INFLTN LKD INM SH BEN INT CLOSED END MUTUAL FUNDS 95766Q106 9 654 SH   SOLE 0 654 0 0
WEYERHAEUSER CO COMMON STOCK 962166104 54 1,600 SH   SOLE 0 1,600 0 0
WISDOMTREE US HIGH DIVIDEND ETF ETF/EQUITY 97717W208 1,394 20,095 SH   SOLE 0 20,095 0 0
WISDOMTREE US HIGH DIVIDEND ETF ETF/EQUITY 97717W208 47 675 SH   DFND 0 675 0 0
WISDOMTREE SMALLCAP DIVIDEND ETF/EQUITY 97717W604 24 900 SH   DFND 0 900 0 0
SPDR GOLD MINISHARES ETF/OTHER 98149E204 162 8,555 SH   SOLE 0 8,555 0 0
XYLEM INC COMMON STOCK 98419M100 26 253 SH   SOLE 0 253 0 0
XEROX HOLDINGS CORP COMMON STOCK 98421M106 6 250 SH   SOLE 0 250 0 0
ZEBRA TECHNOLOGIES CORP CL A COMMON STOCK 989207105 77 200 SH   DFND 0 200 0 0
ZIMMER HOLDINGS INC COMMON STOCK 98956P102 616 4,000 SH   DFND 0 4,000 0 0