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
Expires:Oct 31, 2018
Estimated average burden
hours per response:23.8

COLUMN 1COLUMN 2COLUMN 3COLUMN 4COLUMN 5COLUMN 6COLUMN 7COLUMN 8
VALUESHRS ORSH/PUT/INVESTMENTOTHERVOTING AUTHORITY
NAME OF ISSUERTITLE OF CLASSCUSIP(x$1000)PRN AMTPRNCALLDISCRETIONMANAGERSOLESHAREDNONE
ALLEGION PLCFOREIGN EQUITIESG0176J10942331SH SOLE033100
AMCOR PLCFOREIGN EQUITIESG0250X1071,478126,519SH SOLE0126,51900
AMCOR PLCFOREIGN EQUITIESG0250X10717214,730SH DFND014,73000
BROOKFIELD BUSINESS PARTNERS LP LTDFOREIGN EQUITIESG16234109120SH DFND02000
BROOKFIELD PROPERTY PARTNERSFOREIGN EQUITIESG16249107138SH DFND03800
BROOKFIELD INFRASTRUCTURE PARTNERS LPFOREIGN EQUITIESG16252101240SH DFND04000
EATON CORP PLCFOREIGN EQUITIESG2918310328200SH SOLE020000
EATON CORP PLCFOREIGN EQUITIESG291831032561,848SH DFND01,84800
IHS MARKIT LTD.FOREIGN EQUITIESG4756710510107SH SOLE010700
LINDE PLCFOREIGN EQUITIESG5494J10347166SH SOLE016600
MEDTRONIC PLCFOREIGN EQUITIESG5960L1037656,479SH SOLE06,47900
MEDTRONIC PLCFOREIGN EQUITIESG5960L10340340SH DFND034000
MYOVANT SCIENCES LTDCOMMON STOCKG637AM10210500SH DFND050000
TRANE TECHNOLOGIES PLCFOREIGN EQUITIESG8994E1032061,242SH SOLE01,24200
WHITE MTNS INS GROUP LTDCOMMON STOCKG9618E107111100SH DFND010000
CHUBB LTDFOREIGN EQUITIESH1467J1041,5159,593SH SOLE09,59300
CHUBB LTDFOREIGN EQUITIESH1467J1042241,418SH DFND01,41800
UBS GROUP AGFOREIGN EQUITIESH42097107161,000SH DFND01,00000
AFLAC INCCOMMON STOCK00105510217323SH SOLE032300
AGCO CORPCOMMON STOCK00108410214100SH DFND010000
AT&T INCCOMMON STOCK00206R1027,309241,464SH SOLE0241,46400
AT&T INCCOMMON STOCK00206R1021,55151,241SH DFND051,24100
ABBOTT LABORATORIESCOMMON STOCK0028241005,29344,167SH SOLE044,16700
ABBOTT LABORATORIESCOMMON STOCK0028241008106,760SH DFND06,76000
ABBVIE INCCOMMON STOCK00287Y1095,85454,090SH SOLE054,09000
ABBVIE INCCOMMON STOCK00287Y1099789,041SH DFND09,04100
ADOBE INCCOMMON STOCK00724F1015391,134SH SOLE01,13400
AGILENT TECHNOLOGIES INCCOMMON STOCK00846U1011076SH DFND07600
AGENUS INCCOMMON STOCK00847G7051300SH SOLE030000
AIM IMMUNOTECH INCCOMMON STOCK00901B1053013,226SH SOLE013,22600
AIR PRODUCTS & CHEMICALS INCCOMMON STOCK0091581068773,117SH SOLE03,11700
AIR PRODUCTS & CHEMICALS INCCOMMON STOCK0091581063571,270SH DFND01,27000
ALBEMARLE CORPCOMMON STOCK0126531011,0196,975SH SOLE06,97500
ALBEMARLE CORPCOMMON STOCK0126531014092,800SH DFND02,80000
THE ALLSTATE CORPORATIONCOMMON STOCK02000210120175SH DFND017500
ALPHABET INC CLASS CCOMMON STOCK02079K107825399SH SOLE039900
ALPHABET INC CLASS CCOMMON STOCK02079K107254123SH DFND012300
ALPHABET INC CLASS ACOMMON STOCK02079K3052,3701,149SH SOLE01,14900
ALPHABET INC CLASS ACOMMON STOCK02079K305474230SH DFND023000
ALTRIA GROUP INCCOMMON STOCK02209S1034588,962SH SOLE08,96200
ALTRIA GROUP INCCOMMON STOCK02209S103731,424SH DFND01,42400
AMAZON.COM INCCOMMON STOCK0231351062,410779SH SOLE077900
AMAZON.COM INCCOMMON STOCK023135106436141SH DFND014100
AMEREN CORPORATIONCOMMON STOCK0236081022032,498SH SOLE02,49800
AMERICAN ELECTRIC POWER COCOMMON STOCK0255371017218,512SH SOLE08,51200
AMERICAN ELECTRIC POWER COCOMMON STOCK0255371012803,300SH DFND03,30000
AMERICAN EXPRESS COCOMMON STOCK0258161091,2688,968SH SOLE08,96800
AMERICAN EXPRESS COCOMMON STOCK02581610927192SH DFND019200
AMERICAN TOWER CORPCOMMON STOCK03027X1004341,815SH SOLE01,81500
AMERICAN TOWER CORPCOMMON STOCK03027X1007173,000SH DFND03,00000
AMERICAN WATER WORKS CO INCCOMMON STOCK0304201033002,000SH DFND02,00000
AMETEK INCCOMMON STOCK0311001008947,000SH DFND07,00000
AMGEN INCCOMMON STOCK0311621002,2759,143SH SOLE09,14300
AMGEN INCCOMMON STOCK0311621006902,775SH DFND02,77500
ANALOG DEVICES INCCOMMON STOCK03265410518116SH SOLE011600
ANTHEM INCCOMMON STOCK0367521038002,230SH SOLE02,23000
APPLE INCCOMMON STOCK03783310051,529421,849SH SOLE0421,84900
APPLE INCCOMMON STOCK0378331001,2119,916SH DFND09,91600
ARROW FINANCIAL CORPORATIONCOMMON STOCK0427441021203,592SH SOLE03,59200
ATOSSA THERAPEUTICS INCCOMMON STOCK04962H50631,475SH SOLE01,47500
AUTOMATIC DATA PROCESSINGCOMMON STOCK0530151032,70014,325SH SOLE014,32500
AUTOMATIC DATA PROCESSINGCOMMON STOCK0530151036233,306SH DFND03,30600
BCE INCFOREIGN EQUITIES05534B7601292,860SH SOLE02,86000
BCE INCFOREIGN EQUITIES05534B76015340SH DFND034000
BP PLC ADRFOREIGN EQUITIES055622104552,260SH DFND02,26000
BANK OF AMERICA CORPORATIONCOMMON STOCK0605051041,09028,169SH SOLE028,16900
BANK OF AMERICA CORPORATIONCOMMON STOCK0605051043067,921SH DFND07,92100
BANK OF NEW YORK MELLON CORPCOMMON STOCK0640581001232,611SH SOLE02,61100
BANK OF NEW YORK MELLON CORPCOMMON STOCK06405810017353SH DFND035300
BARRICK GOLD CORPORATIONFOREIGN EQUITIES0679011084200SH SOLE020000
BARRICK GOLD CORPORATIONFOREIGN EQUITIES0679011088415SH DFND041500
BAXTER INTERNATIONAL INCCOMMON STOCK07181310984810,050SH SOLE010,05000
BAXTER INTERNATIONAL INCCOMMON STOCK07181310913150SH DFND015000
BECTON DICKINSON AND COMPANYCOMMON STOCK0758871099643,965SH SOLE03,96500
BECTON DICKINSON AND COMPANYCOMMON STOCK0758871092431,000SH DFND01,00000
BERKSHIRE HATHAWAY INC BCOMMON STOCK0846707021,3205,165SH SOLE05,16500
BERKSHIRE HILLS BANCORP INCCOMMON STOCK0846801076264SH DFND026400
BHP GROUP LTD ADRFOREIGN EQUITIES0886061085407,790SH SOLE07,79000
BHP GROUP LTD ADRFOREIGN EQUITIES0886061081662,390SH DFND02,39000
BIOGEN INCCOMMON STOCK09062X103224800SH DFND080000
BIONTECH SE ADRFOREIGN EQUITIES09075V10216150SH SOLE015000
BIONTECH SE ADRFOREIGN EQUITIES09075V10222200SH DFND020000
BLACKBERRY LTD NPVFOREIGN EQUITIES09228F1032250SH DFND025000
BLACKROCK INCOME TR INCCLOSED END MUTUAL FUNDS09247F1008513,958SH SOLE013,95800
BLACKROCK INCCOMMON STOCK09247X101513680SH SOLE068000
BLACKROCK INCCOMMON STOCK09247X1012330SH DFND03000
BLACKROCK ENHANCED EQT DIVETF/EQUITY09251A104545,703SH DFND05,70300
BLACKROCK FLOAT RATE STRATCLOSED END MUTUAL FUNDS09255X100231,800SH SOLE01,80000
BLACKSTONE GROUP INCCOMMON STOCK09260D1071081,450SH SOLE01,45000
BLACKSTONE GROUP INCCOMMON STOCK09260D1077100SH DFND010000
BLUE APRON HOLDINGS INCCOMMON STOCK09523Q20006SH SOLE0600
BOEING COMPANYCOMMON STOCK0970231056002,355SH SOLE02,35500
BOEING COMPANYCOMMON STOCK09702310539155SH DFND015500
BORGWARNER INCCOMMON STOCK0997241065100SH DFND010000
BRISTOL MYERS SQUIBB COMPANYCOMMON STOCK1101221084,67774,080SH SOLE074,08000
BRISTOL MYERS SQUIBB COMPANYCOMMON STOCK1101221088,592136,100SH DFND0136,10000
BROOKFIELD ASSET MGMT INC CLASS AFOREIGN EQUITIES112585104681,525SH DFND01,52500
BROOKFIELD INFRASTRUCTURE COFOREIGN EQUITIES11275Q10704SH DFND0400
C H ROBINSON WORLDWIDE INCCOMMON STOCK12541W2091,37114,362SH SOLE014,36200
C H ROBINSON WORLDWIDE INCCOMMON STOCK12541W20989935SH DFND093500
CIGNA CORP NEWCOMMON STOCK125523100147607SH SOLE060700
CIGNA CORP NEWCOMMON STOCK125523100235973SH DFND097300
CSX CORPCOMMON STOCK12640810326270SH SOLE027000
CSX CORPCOMMON STOCK1264081031,83219,000SH DFND019,00000
CVS HEALTH CORPCOMMON STOCK1266501002,96239,372SH SOLE039,37200
CVS HEALTH CORPCOMMON STOCK1266501006007,970SH DFND07,97000
CANADIAN PACIFIC RAILWAY LTDFOREIGN EQUITIES13645T1004851,280SH SOLE01,28000
CAPITAL ONE FINANCIALCOMMON STOCK14040H1051292SH SOLE09200
CARRIER GLOBAL CORPORATIONCOMMON STOCK14448C1042726,434SH SOLE06,43400
CARRIER GLOBAL CORPORATIONCOMMON STOCK14448C1041152,715SH DFND02,71500
CATERPILLAR INCCOMMON STOCK1491231013,93616,973SH SOLE016,97300
CATERPILLAR INCCOMMON STOCK1491231015072,187SH DFND02,18700
CEL SCI CORPCOMMON STOCK1508376078500SH SOLE050000
THE CHEMOURS COCOMMON STOCK16385110810360SH DFND036000
CHEVRON CORPCOMMON STOCK1667641003,68435,156SH SOLE035,15600
CHEVRON CORPCOMMON STOCK1667641007467,123SH DFND07,12300
CHURCH & DWIGHT CO INCCOMMON STOCK1713401021752,000SH DFND02,00000
CISCO SYSTEMS INCCOMMON STOCK17275R1027,759150,073SH SOLE0150,07300
CISCO SYSTEMS INCCOMMON STOCK17275R1021,74133,680SH DFND033,68000
CITIGROUP INCCOMMON STOCK172967424797SH SOLE09700
CITIGROUP INCCOMMON STOCK1729674247100SH DFND010000
CLEANSPARK INCCOMMON STOCK18452B209261,072SH SOLE01,07200
COCA COLA COMPANYCOMMON STOCK1912161007,749147,049SH SOLE0147,04900
COCA COLA COMPANYCOMMON STOCK19121610097718,534SH DFND018,53400
COLGATE PALMOLIVE COCOMMON STOCK19416210394511,982SH SOLE011,98200
COLGATE PALMOLIVE COCOMMON STOCK1941621035446,896SH DFND06,89600
COMCAST CORP CLASS ACOMMON STOCK20030N1013,63767,212SH SOLE067,21200
COMCAST CORP CLASS ACOMMON STOCK20030N1012654,902SH DFND04,90200
COMMUNITY BK SYS INCCOMMON STOCK203607106881,142SH SOLE02,63200
COMMUNITY BK SYS INCCOMMON STOCK20360710610,414135,735SH DFND0135,73500
CONAGRA FOODS INCCOMMON STOCK205887102752,000SH SOLE02,00000
CONOCOPHILLIPSCOMMON STOCK20825C10477314,601SH SOLE014,60100
CONOCOPHILLIPSCOMMON STOCK20825C1041703,206SH DFND03,20600
CONSOLIDATED EDISON INCCOMMON STOCK2091151043304,410SH SOLE04,41000
CONSOLIDATED EDISON INCCOMMON STOCK209115104791,055SH DFND01,05500
CONSTELLATION BRANDS INC CLASS ACOMMON STOCK21036P1083481,525SH SOLE01,52500
CONSTELLATION BRANDS INC CLASS ACOMMON STOCK21036P1082281,000SH DFND01,00000
COOPER COMPANIES INCCOMMON STOCK216648402115300SH DFND030000
CORNING INCCOMMON STOCK2193501051,35331,100SH SOLE031,10000
CORNING INCCOMMON STOCK219350105952,175SH DFND02,17500
CORTEVA INCCOMMON STOCK22052L1043016,448SH SOLE06,44800
CORTEVA INCCOMMON STOCK22052L104481,032SH DFND01,03200
COSTCOCOMMON STOCK22160K10541115SH SOLE011500
CUMMINS INCCOMMON STOCK2310211062,59310,006SH SOLE010,00600
CUMMINS INCCOMMON STOCK2310211066842,640SH DFND02,64000
CURIOSITYSTREAM INC CL ACOMMON STOCK23130Q107151,109SH SOLE01,10900
DANAHER CORPCOMMON STOCK235851102144640SH SOLE064000
DARDEN RESTAURANTS INCCOMMON STOCK237194105750SH SOLE05000
DEERE & COMPANYCOMMON STOCK24419910537100SH SOLE010000
DEERE & COMPANYCOMMON STOCK24419910537100SH DFND010000
DELL TECHNOLOGIES INCCOMMON STOCK24703L20213146SH SOLE014600
DIGI INTL INCCOMMON STOCK2537981028400SH DFND040000
DIME CMNTY BANCSHARES INCCOMMON STOCK25432X1026200SH SOLE020000
WALT DISNEY COCOMMON STOCK2546871065,06027,424SH SOLE027,42400
WALT DISNEY COCOMMON STOCK2546871063932,128SH DFND02,12800
DOLLAR GENERAL CORPCOMMON STOCK2566771054542,240SH SOLE02,24000
DOLLAR GENERAL CORPCOMMON STOCK25667710571350SH DFND035000
DOMINION ENERGY INCCOMMON STOCK25746U1093,62547,733SH SOLE047,73300
DOMINION ENERGY INCCOMMON STOCK25746U1091,10514,552SH DFND014,55200
DORCHESTER MINERALS LPCOMMON STOCK25820R10581259,460SH SOLE059,46000
DOW INCCOMMON STOCK2605571033,75058,662SH SOLE058,66200
DOW INCCOMMON STOCK2605571033124,885SH DFND04,88500
DRAFTKINGS INC CL ACOMMON STOCK26142R10412200SH SOLE020000
DUKE ENERGY CORPCOMMON STOCK26441C2046787,025SH SOLE07,02500
DUKE ENERGY CORPCOMMON STOCK26441C2041021,057SH DFND01,05700
DUPONT DE NEMOURS INCCOMMON STOCK26614N1022,78336,007SH SOLE036,00700
DUPONT DE NEMOURS INCCOMMON STOCK26614N1022973,840SH DFND03,84000
EOG RESOURCES INCCOMMON STOCK26875P1011031,421SH SOLE01,42100
EOG RESOURCES INCCOMMON STOCK26875P101680SH DFND08000
ETFMG PRIME MOBILE PAYMENTSETF/EQUITY26924G4092,86642,910SH SOLE042,830080
ETFMG PRIME MOBILE PAYMENTSETF/EQUITY26924G40914210SH DFND021000
EASTMAN CHEMICAL COCOMMON STOCK2774321003082,800SH SOLE02,80000
ECOLAB INCCOMMON STOCK278865100202945SH SOLE094500
ECOLAB INCCOMMON STOCK278865100161750SH DFND075000
EDISON INTLCOMMON STOCK2810201071692,887SH DFND02,88700
EMERSON ELECTRIC COCOMMON STOCK2910111044,67851,856SH SOLE051,85600
EMERSON ELECTRIC COCOMMON STOCK2910111045005,541SH DFND05,54100
ENBRIDGE INCFOREIGN EQUITIES29250N1051153,148SH DFND03,14800
ENERGY TRANSFER EQUITY LPCOMMON STOCK29273V10081,090SH DFND01,09000
ENTERPRISE PRODS PARTNERS LPCOMMON STOCK293792107241,098SH SOLE01,09800
EQUIFAX INCCOMMON STOCK2944291057254,000SH DFND04,00000
ESSENTIAL UTILITIES INCCOMMON STOCK29670G1023126,980SH SOLE06,98000
ESSENTIAL UTILITIES INCCOMMON STOCK29670G102461,025SH DFND01,02500
EXELON CORPCOMMON STOCK30161N1011,51534,641SH SOLE034,64100
EXELON CORPCOMMON STOCK30161N1013618,250SH DFND08,25000
EXXON MOBIL CORPCOMMON STOCK30231G1023,18357,007SH SOLE057,00700
EXXON MOBIL CORPCOMMON STOCK30231G10292916,639SH DFND016,63900
FACEBOOK INC CLASS ACOMMON STOCK30303M10287295SH SOLE029500
FACEBOOK INC CLASS ACOMMON STOCK30303M10283283SH DFND028300
FASTENAL COCOMMON STOCK3119001044849,632SH SOLE09,63200
FASTENAL COCOMMON STOCK3119001043126,200SH DFND06,20000
FEDEX CORPCOMMON STOCK31428X10661215SH SOLE021500
FIDELITY NATL INFORMATION SVCOMMON STOCK31620M1064223,000SH DFND03,00000
FIFTH THIRD BANCORPCOMMON STOCK31677310025655SH DFND065500
FIRST TR NASDAQ CYB SEC ETFETF/EQUITY33734X846132SH DFND03200
FLEXSHARES GLOBAL UPSTREAM NATURAL RESOURCESETF/INTERNATIONAL EQUITY33939L40779321,925SH SOLE021,92500
FLEXSHARES GLOBAL UPSTREAM NATURAL RESOURCESETF/INTERNATIONAL EQUITY33939L407381,050SH DFND01,05000
FORD MOTOR COMPANYCOMMON STOCK3453708602200SH SOLE020000
FORD MOTOR COMPANYCOMMON STOCK345370860252,000SH DFND02,00000
FORTUNE BRANDS HOME & SECCOMMON STOCK34964C10657600SH SOLE060000
FRANCO NEVADA CORPFOREIGN EQUITIES35185810517132SH DFND013200
FRANKLIN TEMPLETON FTSE JAPAN ETFETF/INTERNATIONAL EQUITY35473P7449300SH SOLE030000
FRESENIUS MEDICAL CARE AG & CO KGAAFOREIGN EQUITIES3580291064100SH DFND010000
GABELLI MULTIMEDIA TR INCMUTUAL FUND LARGE CAP EQUITY36239Q1099898SH DFND089800
GABELLI EQUITY TR INCCLOSED END MUTUAL FUNDS36239710171,000SH DFND01,00000
GABELLI UTILITY TRUSTMUTUAL FUNDS MID CAP EQUITY36240A1016866SH DFND086600
GABELLI UTIL TR RIGHT 04/14/2021WARRANTS & RIGHTS36240A1680866SH DFND086600
ARTHUR J GALLAGHER & COCOMMON STOCK363576109975SH DFND07500
GAP INCCOMMON STOCK364760108802,700SH SOLE02,70000
GENERAL DYNAMICS CORPCOMMON STOCK3695501081,7569,671SH SOLE09,67100
GENERAL DYNAMICS CORPCOMMON STOCK36955010869382SH DFND038200
GENERAL ELECTRIC COCOMMON STOCK36960410330222,979SH SOLE022,97900
GENERAL ELECTRIC COCOMMON STOCK36960410314010,628SH DFND010,62800
GENERAL MILLS INCCOMMON STOCK3703341042,76945,158SH SOLE045,15800
GENERAL MILLS INCCOMMON STOCK3703341045318,660SH DFND08,66000
GEVO INCCOMMON STOCK3743964069951SH SOLE095100
GILEAD SCIENCES INCCOMMON STOCK37555810392514,307SH SOLE014,30700
GILEAD SCIENCES INCCOMMON STOCK3755581032003,100SH DFND03,10000
GLOBAL X ROBOTICS & AI ETFETF/INTERNATIONAL EQUITY37954Y7152,60278,543SH SOLE078,4430100
GLOBAL X ROBOTICS & AI ETFETF/INTERNATIONAL EQUITY37954Y7157210SH DFND021000
GOLDMAN SACHS JUST US LARGE CAP EQUITY ETFETF/EQUITY3814303966105SH SOLE010500
HARLEY DAVIDSON INCCOMMON STOCK4128221088200SH SOLE020000
HEAT BIOLOGICS INCCOMMON STOCK42237K4094560SH SOLE056000
HERSHEY COCOMMON STOCK4278661086654,205SH SOLE04,20500
HERSHEY COCOMMON STOCK4278661082231,410SH DFND01,41000
HOME DEPOT INCCOMMON STOCK4370761022,9899,791SH SOLE09,79100
HOME DEPOT INCCOMMON STOCK4370761023081,008SH DFND01,00800
HONEYWELL INTL INCCOMMON STOCK4385161062,0419,401SH SOLE09,40100
HONEYWELL INTL INCCOMMON STOCK43851610656259SH DFND025900
IEC ELECTRONICS CORPORATIONCOMMON STOCK44949L1052200SH DFND020000
ILLINOIS TOOL WORKS INCCOMMON STOCK4523081094,27219,287SH SOLE019,28700
ILLINOIS TOOL WORKS INCCOMMON STOCK4523081097743,493SH DFND03,49300
INCYTE CORPCOMMON STOCK45337C1028100SH SOLE010000
INFINITY PHARMACEUTICALS INCCOMMON STOCK45665G303196,000SH SOLE06,00000
INFUSYSTEMS HOLDINGS INCCOMMON STOCK45685K102201,000SH SOLE01,00000
INGERSOLL RAND INCCOMMON STOCK45687V106541,095SH SOLE01,09500
INTEL CORPCOMMON STOCK4581401009,557149,335SH SOLE0149,33500
INTEL CORPCOMMON STOCK4581401001,61325,201SH DFND025,20100
INTL BUSINESS MACHINES CORPCOMMON STOCK4592001017,61657,149SH SOLE057,14900
INTL BUSINESS MACHINES CORPCOMMON STOCK45920010110,48978,711SH DFND078,71100
INTERNATIONAL PAPER COCOMMON STOCK4601461038156SH DFND015600
INVESCO ACTIVELY MANAGD ETF ULTRA SHRT DURETF/FIXED INCOME46090A8874,62091,530SH SOLE091,53000
INVESCO ACTIVELY MANAGD ETF ULTRA SHRT DURETF/FIXED INCOME46090A8878150SH DFND015000
INVESCO QQQ TRUSTETF/EQUITY46090E1031,8025,646SH SOLE85,63880
INVESCO QQQ TRUSTETF/EQUITY46090E103134420SH DFND042000
INTUIT INCCOMMON STOCK4612021031130SH SOLE03000
INVESCO EXCHANGE TRADED FD TR WILDERHIL CLANETF/EQUITY46137V13432323SH DFND032300
INVESCO EXCHANGE TRADED FD TWATER RES ETFETF/EQUITY46137V142250SH SOLE05000
INVESCO S&P 500 EQUAL WEIGHT ETFETF/EQUITY46137V3577,08350,000SH SOLE050,00000
INVESCO S&P 500 EQUAL WEIGHTCONS DISC ETFETF/EQUITY46137V3813,28223,270SH SOLE023,230040
INVESCO S&P 500 EQUAL WEIGHTCONS DISC ETFETF/EQUITY46137V3811390SH DFND09000
INVESCO FTSE RAFI US1000 ETFETF/EQUITY46137V61317112SH SOLE011200
INVESCO EXCH TRADED FD TR IINATL AMT MUNIETF/EQUITY46138E537331,250SH SOLE01,25000
INVESCO EMERGING MARKETS SOVEREIGN DEBTETF/INTERNATIONAL FIXED INCOME46138E7848297SH SOLE029700
INVESCO VARIABLE RATE PFDETF/EQUITY46138G8701,68065,000SH SOLE065,00000
INVESCO VARIABLE RATE PFDETF/EQUITY46138G87016600SH DFND060000
INVESCO BULLETSHS CORP 2023ETF/FIXED INCOME46138J8669430SH SOLE043000
IQVIA HLDGS INCCOMMON STOCK46266C10553275SH SOLE027500
IRIDIUM COMMUNICATIONS INCCOMMON STOCK46269C1028200SH DFND020000
ISHARES SILVER TRUSTETF/OTHER46428Q10921945SH SOLE094500
ISHARES SILVER TRUSTETF/OTHER46428Q109421,872SH DFND01,87200
ISHARES GOLD TRUSTETF/OTHER4642851055,926364,658SH SOLE0364,3580300
ISHARES GOLD TRUSTETF/OTHER4642851057405SH DFND040500
ISHARES MSCI CANADA ETFETF/INTERNATIONAL EQUITY4642865092888,459SH SOLE08,45900
ISHARES MSCI MIN VOL EMERGE MARKETS ETFETF/INTERNATIONAL EQUITY4642865331582,500SH SOLE02,50000
ISHARES CORE S&P TOTAL US STOCK MKT ETFETF/EQUITY46428715011120SH SOLE012000
ISHARES SELECT DIVIDEND ETFETF/EQUITY46428716898858SH SOLE085800
ISHARES TIPS BOND ETFETF/FIXED INCOME4642871768,62668,736SH SOLE068,73600
ISHARES CORE S&P 500 ETFETF/EQUITY46428720045,912115,408SH SOLE50115,358500
ISHARES CORE S&P 500 ETFETF/EQUITY464287200197495SH DFND049500
ISHARES CORE US AGGREGATE BOND ETFETF/FIXED INCOME46428722617147SH DFND014700
ISHARES MSCI EMERGING MKTS ETFETF/INTERNATIONAL EQUITY4642872342073,884SH SOLE03,88400
ISHARES MSCI EMERGING MKTS ETFETF/INTERNATIONAL EQUITY4642872347140SH DFND014000
ISHARES IBOXX $ INVMT GRADE CORP BOND ETFETF/FIXED INCOME4642872422131,636SH SOLE401,596400
ISHARES IBOXX $ INVMT GRADE CORP BOND ETFETF/FIXED INCOME46428724255425SH DFND042500
ISHARES S&P 500 GROWTH ETFETF/EQUITY46428730984312,955SH SOLE012,95500
ISHARES S&P 500 GROWTH ETFETF/EQUITY46428730912185SH DFND018500
ISHARES GLOBAL HEALTHCAREETF/EQUITY46428732540520SH SOLE052000
ISHARES S&P 500 VALUE ETFETF/EQUITY4642874088035,685SH SOLE05,68500
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ISHARES TR 20 YR TR BD ETFETF/EQUITY46428743244325SH SOLE032500
ISHARES 7-10 YEAR TSY BONDETF/FIXED INCOME4642874407686,800SH SOLE06,6600140
ISHARES 7-10 YEAR TSY BONDETF/FIXED INCOME46428744011100SH DFND010000
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ISHARES CORE S&P MIDCAP ETFETF/EQUITY46428750711,13742,792SH SOLE042,769023
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ISHARES NASDAQ BIOTECHNOLOGYETFETF/EQUITY46428755625166SH SOLE016600
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ISHARES RUSSELL 1000 GROWTH ETFETF/EQUITY4642876146,10725,126SH SOLE025,041085
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ISHARES RUSSELL 2000 ETFETF/EQUITY4642876551,1485,195SH SOLE05,19500
ISHARES RUSSELL 2000 ETFETF/EQUITY464287655143649SH DFND064900
ISHARES US TELECOM ETFETF/EQUITY464287713248SH SOLE04800
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ISHARES CORE S&P SMALLCAP ETFETF/EQUITY4642878041,47413,586SH DFND013,58600
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ISHARES MSCI ACWI EX US ETFETF/INTERNATIONAL EQUITY4642882401663,000SH SOLE03,00000
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ISHARES MSCI EAFE SMALLCAP ETFETF/INTERNATIONAL EQUITY464288273225SH SOLE02500
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ISHARES EDGE MSCI MIN VOL USA ETFETF/EQUITY46429B69714,686212,259SH SOLE0211,9640295
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ISHARES TR ESG MSCI USA ETF (ESGU)ETF/EQUITY46435G42511120SH SOLE012000
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JABIL CIRCUIT INC.COMMON STOCK46631310310200SH SOLE020000
J P MORGAN EXCHANGE-TRADED FEQUITY PREMIUMETF/EQUITY46641Q3323,90967,270SH SOLE067,27000
JP MORGAN ULTRA SHORT INCETF/FIXED INCOME46641Q8374,99998,495SH SOLE098,49500
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JACOBS ENGR GROUP INC.COMMON STOCK46981410725194SH DFND019400
JOHNSON & JOHNSONCOMMON STOCK4781601049,88860,166SH SOLE060,16600
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JOUNCE THERAPEUTICS INCCOMMON STOCK481116101101,000SH SOLE01,00000
KLA CORPORATIONCOMMON STOCK482480100135410SH SOLE041000
KEYCORPCOMMON STOCK493267108201,000SH SOLE01,00000
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KIMBERLY CLARK CORPCOMMON STOCK4943681038195,889SH SOLE05,88900
KIMBERLY CLARK CORPCOMMON STOCK4943681036904,965SH DFND04,96500
KINDER MORGAN INCCOMMON STOCK49456B1014220SH SOLE022000
KRAFT HEINZ COMPANYCOMMON STOCK500754106932,333SH DFND02,33300
KRANESHARES CHINA INTERNETETF/INTERNATIONAL EQUITY5007673062,31030,250SH SOLE030,210040
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KRANESHARES BOSERA MSCI CHINA A ETFETF/EQUITY50076740588620,035SH SOLE020,03500
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L3HARRIS TECHNOLOGIES INCCOMMON STOCK502431109630SH DFND03000
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ELI LILLY AND COMPANYCOMMON STOCK5324571089234,939SH SOLE04,93900
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LOEWS CORPCOMMON STOCK540424108671,300SH DFND01,30000
LOWES COMPANIES INCCOMMON STOCK5486611074,45923,445SH SOLE023,44500
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LUMEN TECHNOLOGIES INCCOMMON STOCK550241103151,150SH SOLE01,15000
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M & T BANK CORPCOMMON STOCK55261F1041,2508,248SH DFND08,24800
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MAGNA INTERNATIONAL INCFOREIGN EQUITIES55922240163720SH SOLE072000
MANULIFE FINL CORPFOREIGN EQUITIES56501R10632315,000SH SOLE015,00000
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MARATHON PETROLEUM CORPCOMMON STOCK56585A10218344SH DFND034400
MARKEL CORPORATIONCOMMON STOCK570535104114100SH DFND010000
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MCDONALDS CORPCOMMON STOCK5801351013,83117,094SH SOLE017,09400
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MERCK & COMPANY INCCOMMON STOCK58933Y1058,219106,611SH SOLE0106,61100
MERCK & COMPANY INCCOMMON STOCK58933Y1051,38818,002SH DFND018,00200
METLIFE INCCOMMON STOCK59156R10812200SH SOLE020000
METTLER-TOLEDO INTLCOMMON STOCK5926881051,1561,000SH DFND01,00000
MICROSOFT CORPCOMMON STOCK59491810415,82067,099SH SOLE067,09900
MICROSOFT CORPCOMMON STOCK5949181042,55310,830SH DFND010,83000
MODERNA INCCOMMON STOCK60770K10726200SH SOLE020000
MOLINA HEALTHCARE INCCOMMON STOCK60855R1001250SH SOLE05000
MONDELEZ INTL INC CL ACOMMON STOCK6092071053906,659SH SOLE06,65900
MONDELEZ INTL INC CL ACOMMON STOCK6092071052684,575SH DFND04,57500
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NBT BANCORP INCCOMMON STOCK62877810293723,497SH SOLE023,49700
NBT BANCORP INCCOMMON STOCK6287781021,29032,328SH DFND032,32800
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NEW YORK CMNTY BANCORP INCCOMMON STOCK649445103131,000SH SOLE01,00000
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NORWOOD FINANCIAL CORPCOMMON STOCK66954910728710,767SH SOLE010,76700
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NUCOR CORPCOMMON STOCK6703461056808,467SH DFND08,46700
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OMNICOM GROUP INCCOMMON STOCK6819191062,83238,199SH SOLE038,19900
OMNICOM GROUP INCCOMMON STOCK6819191061662,245SH DFND02,24500
OMEGA HEALTHCARE INV INCCOMMON STOCK68193610030813SH SOLE081300
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PPG INDUSTRIES INCCOMMON STOCK6935061073952,627SH SOLE02,62700
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PEOPLES FINL SVCS CORPCOMMON STOCK711040105511,218SH SOLE01,21800
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PHILLIPS 66COMMON STOCK71854610493611,475SH SOLE011,47500
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PIMCO ENHANCED LOW DURATIONETF/FIXED INCOME72201R7182,03920,000SH SOLE020,00000
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PINNACLE WEST CPTL CORPCOMMON STOCK7234841011932,375SH SOLE02,37500
PLAINS ALL AMERICAN PIPELINECOMMON STOCK726503105273,000SH DFND03,00000
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PRINCIPAL SPECTRUM PFD SECETF/EQUITY74255Y8882,460120,780SH SOLE0120,78000
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PROCTER & GAMBLE COCOMMON STOCK7427181091,0627,844SH DFND07,84400
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PRUDENTIAL FINANCIAL INCCOMMON STOCK74432010231337SH DFND033700
PUBLIC SVC ENTERPRISE GROUPCOMMON STOCK7445731064,66977,559SH SOLE077,55900
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PULTE GROUP INCCOMMON STOCK74586710111210SH DFND021000
QUALCOMM INCCOMMON STOCK7475251031,83313,821SH SOLE013,82100
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RAYTHEON TECHNOLOGIES CORPCOMMON STOCK75513E1012,15127,834SH SOLE027,83400
RAYTHEON TECHNOLOGIES CORPCOMMON STOCK75513E1015437,022SH DFND07,02200
REALTY INCOME CORPCOMMON STOCK75610910418284SH SOLE028400
REGULUS THERAPEUTICS INCCOMMON STOCK75915K200116,900SH SOLE06,90000
REPUBLIC SERVICES INCCOMMON STOCK76075910010100SH SOLE010000
RIBBONS COMMUNICATIONS INCCOMMON STOCK762544104111,400SH SOLE01,40000
RIO TINTO PLC ADRFOREIGN EQUITIES7672041002453,150SH SOLE03,15000
RIO TINTO PLC ADRFOREIGN EQUITIES76720410042535SH DFND053500
ROCKWELL AUTOMATION INCCOMMON STOCK7739031095842,200SH SOLE02,20000
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ROPER INDS INCCOMMON STOCK776696106282700SH DFND070000
ROYAL BANK OF CANADAFOREIGN EQUITIES7800871021,30614,165SH SOLE014,16500
ROYAL BANK OF CANADAFOREIGN EQUITIES7800871021151,250SH DFND01,25000
ROYAL DUTCH SHELL PLC CL AFOREIGN EQUITIES780259206441,110SH SOLE01,11000
ROYAL DUTCH SHELL PLC CL AFOREIGN EQUITIES78025920629750SH DFND075000
ROYAL GOLD INCCOMMON STOCK780287108548SH DFND04800
S&P GLOBAL INCCOMMON STOCK78409V1043531,000SH DFND01,00000
SPDR S&P 500 ETFETF/EQUITY78462F1037,77919,629SH SOLE019,62900
SPDR S&P 500 ETFETF/EQUITY78462F1037671,936SH DFND01,93600
SPDR GOLD SHARESETF/OTHER78463V1077094,432SH SOLE04,43200
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SPDR S&P INTL DIVIDEND ETFETF/INTERNATIONAL EQUITY78463X772375SH SOLE07500
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SPDR PORTFOLIO S&P500 GROWTHETF/EQUITY78464A40986915,400SH SOLE015,40000
SPDR PORTFOLIO S&P 500 VALUEETF/EQUITY78464A50892524,420SH SOLE024,42000
SPDR INTERMEDIATE TREASURYETF/FIXED INCOME78464A6722066,425SH SOLE06,42500
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SPDR SERIES TRUST S&P HOMEBUILDETF/EQUITY78464A8882,64037,515SH SOLE037,425090
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SPDR DOUBLELINE TOTAL RETURNTACT ETFETF/FIXED INCOME78467V8485,676117,750SH SOLE0117,75000
SPDR DOUBLELINE TOTAL RETURNTACT ETFETF/FIXED INCOME78467V84839800SH DFND080000
SPDR S&P MIDCAP 400 ETFETF/EQUITY78467Y1076,95214,604SH SOLE1614,588160
SPDR S&P MIDCAP 400 ETFETF/EQUITY78467Y1071,4753,098SH DFND03,09800
SPDR BBB SHORT TERM HIGH YIELD BOND ETFETF/FIXED INCOME78468R408632,300SH SOLE02,30000
SPDR BBB SHORT TERM HIGH YIELD BOND ETFETF/FIXED INCOME78468R4088300SH DFND030000
SPDR NUVEEN BBB MUNI BOND ETFETF/FIXED INCOME78468R72132625SH SOLE062500
SPDR PORTFOLIO SMALLCAP ETFETF/EQUITY78468R85315365SH SOLE036500
SPDR DOUBLELINE SHRT DURETF/FIXED INCOME78470P20018360SH SOLE036000
SALESFORCE.COM INCCOMMON STOCK79466L30296454SH SOLE045400
SCHLUMBERGER LTDFOREIGN EQUITIES8068571081083,968SH SOLE03,96800
SCHLUMBERGER LTDFOREIGN EQUITIES806857108722,650SH DFND02,65000
SCHWAB US SMALL CAP ETFETF/EQUITY8085246073,91339,258SH SOLE7539,183750
SCHWAB US SMALL CAP ETFETF/EQUITY8085246071921,927SH DFND01,92700
SCHWAB US DIVIDEND EQUITY ETFETF/EQUITY80852479732433SH SOLE043300
SCHWAB US AGGREGATE BOND ETFETF/FIXED INCOME80852483910184SH SOLE018400
MATERIALS SELECT SECTOR SPDRETF/EQUITY81369Y1002373,012SH SOLE03,01200
MATERIALS SELECT SECTOR SPDRETF/EQUITY81369Y1007879,985SH DFND09,98500
HEALTH CARE SELECT SECTOR SPDR ETFETF/EQUITY81369Y2093533,020SH SOLE03,02000
CONSUMER STAPLES SECTOR SPDRETF/EQUITY81369Y3082583,782SH SOLE03,78200
CONSUMER STAPLES SECTOR SPDRETF/EQUITY81369Y30821310SH DFND031000
CONSUMER DISCRET SEL SECT SPDR ETFETF/EQUITY81369Y4072711,615SH SOLE01,61500
CONSUMER DISCRET SEL SECT SPDR ETFETF/EQUITY81369Y40733197SH DFND019700
ENERGY SELECT SECTOR SPDR ETFETF/EQUITY81369Y5061,53231,234SH SOLE031,23400
ENERGY SELECT SECTOR SPDR ETFETF/EQUITY81369Y5061212,475SH DFND02,47500
SPDR FINANCIAL SELECT SECTORETF/EQUITY81369Y605752,197SH SOLE02,19700
SPDR INDUSTRIALS (XLI)ETF/EQUITY81369Y70456565SH SOLE056500
TECHNOLOGY SELECT SECTOR SPDR ETFETF/EQUITY81369Y8036004,517SH SOLE04,51700
TECHNOLOGY SELECT SECTOR SPDR ETFETF/EQUITY81369Y8034963,733SH DFND03,73300
SELECT SECTOR SPDR TR COMMUNICATIONETF/EQUITY81369Y8521622,212SH SOLE02,21200
UTILITIES SELECT SECTOR SPDRETF/EQUITY81369Y8863054,770SH SOLE04,77000
UTILITIES SELECT SECTOR SPDRETF/EQUITY81369Y88639607SH DFND060700
SEMPRA ENERGYCOMMON STOCK8168511096324,766SH SOLE04,76600
SEMPRA ENERGYCOMMON STOCK8168511091801,360SH DFND01,36000
SIERRA WIRELESS INCFOREIGN EQUITIES826516106151,000SH DFND01,00000
SIRIUS XM HOLDINGS INCCOMMON STOCK82968B103305,000SH DFND05,00000
SORRENTO THERAPEUTICS INCCOMMON STOCK83587F2022200SH DFND020000
SOUTHERN COMPANYCOMMON STOCK8425871071,05016,889SH SOLE016,88900
SOUTHERN COMPANYCOMMON STOCK8425871072403,857SH DFND03,85700
AEROSYSTEMS HLDGS INC CL ACOMMON STOCK84857410915300SH DFND030000
SPROTT PHYSICAL GOLD TRUSTETF/OTHER85207H10469351,697SH SOLE051,69700
SPROTT PHYSICAL GOLD TRUSTETF/OTHER85207H1046427SH DFND042700
STANLEY BLACK & DECKER INCCOMMON STOCK8545021013992,000SH DFND02,00000
STARBUCKS CORPCOMMON STOCK8552441091,29911,889SH SOLE011,88900
STARBUCKS CORPCOMMON STOCK85524410946420SH DFND042000
STATE STREET CORPCOMMON STOCK8574771031882,238SH SOLE02,23800
STATE STREET CORPCOMMON STOCK85747710367800SH DFND080000
STERICYCLE INCCOMMON STOCK8589121081622,400SH DFND02,40000
STRYKER CORPCOMMON STOCK8636671011,7016,985SH SOLE06,98500
STRYKER CORPCOMMON STOCK86366710144179SH DFND017900
SUBURBAN PROPANE PARTNERS LPCOMMON STOCK86448210410660SH SOLE066000
SUBURBAN PROPANE PARTNERS LPCOMMON STOCK864482104010SH DFND01000
SUN COMMUNITIES INCCOMMON STOCK86667410445301SH SOLE030100
SUNCOKE ENERGY INCCOMMON STOCK86722A1032218SH DFND021800
SUNCOR ENERGY INCFOREIGN EQUITIES867224107522,500SH DFND02,50000
SYSCO CORPCOMMON STOCK8718291071,32716,849SH SOLE016,84900
SYSCO CORPCOMMON STOCK87182910780010,165SH DFND010,16500
TJX COMPANIESCOMMON STOCK8725401093465,234SH SOLE05,23400
TJX COMPANIESCOMMON STOCK87254010918273SH DFND027300
TARGET CORPCOMMON STOCK87612E1068714,398SH SOLE04,39800
TARGET CORPCOMMON STOCK87612E10623117SH DFND011700
TC ENERGY CORPFOREIGN EQUITIES87807B1072846,200SH SOLE06,20000
TELEDYNE TECHNOLOGIES INCCOMMON STOCK87936010577187SH DFND018700
TENARIS SA ADRFOREIGN EQUITIES88031M109231,000SH SOLE01,00000
TEXAS INSTRUMENTS INCCOMMON STOCK8825081045,62129,745SH SOLE029,74500
TEXAS INSTRUMENTS INCCOMMON STOCK8825081045683,005SH DFND03,00500
THERMO FISHER SCIENTIFIC INCCOMMON STOCK8835561025631,234SH SOLE01,23400
THERMO FISHER SCIENTIFIC INCCOMMON STOCK883556102251550SH DFND055000
THOMSON REUTERS CORPFOREIGN EQUITIES8849037091311,500SH SOLE01,50000
3M COMPANYCOMMON STOCK88579Y1016,11531,736SH SOLE031,73600
3M COMPANYCOMMON STOCK88579Y1017033,648SH DFND03,64800
TOMPKINS FINANCIAL CORPCOMMON STOCK8901101092032,450SH SOLE02,45000
TOMPKINS FINANCIAL CORPCOMMON STOCK8901101093724,500SH DFND04,50000
TORONTO DOMINION BANKFOREIGN EQUITIES89116050983512,813SH SOLE012,81300
TORONTO DOMINION BANKFOREIGN EQUITIES89116050954825SH DFND082500
TOTAL SA ADRFOREIGN EQUITIES89151E109591,265SH SOLE01,26500
TOYOTA MOTOR CORPFOREIGN EQUITIES89233130731200SH SOLE020000
TOYOTA MOTOR CORPFOREIGN EQUITIES89233130794600SH DFND060000
TRAVELERS COMPANIES INCCOMMON STOCK89417E1091,1197,440SH SOLE07,44000
TRAVELERS COMPANIES INCCOMMON STOCK89417E10941275SH DFND027500
TRILLIUM THERAPEUTICS INCCOMMON STOCK89620X5066600SH DFND060000
TRUIST FINANCIAL CORPCOMMON STOCK89832Q1092,01934,622SH SOLE034,62200
TRUIST FINANCIAL CORPCOMMON STOCK89832Q1091813,100SH DFND03,10000
TRUSTCO BANK CORP NYCOMMON STOCK8983491056842SH DFND084200
TWITTER INCCOMMON STOCK90184L102122SH DFND02200
II-VI INCCOMMON STOCK90210410814200SH DFND020000
US BANCORPCOMMON STOCK9029733042,43744,057SH SOLE044,05700
US BANCORPCOMMON STOCK90297330456310,172SH DFND010,17200
UNION PACIFIC CORPCOMMON STOCK9078181089944,511SH SOLE04,51100
UNION PACIFIC CORPCOMMON STOCK9078181082281,035SH DFND01,03500
UNITED PARCEL SERVICE CL BCOMMON STOCK9113121064,25425,027SH SOLE025,02700
UNITED PARCEL SERVICE CL BCOMMON STOCK9113121063201,881SH DFND01,88100
UNITED STATES STEEL CORPCOMMON STOCK912909108135SH DFND03500
UNITEDHEALTH GROUP INCCOMMON STOCK91324P1022,5046,729SH SOLE06,72900
UNITEDHEALTH GROUP INCCOMMON STOCK91324P1024741,275SH DFND01,27500
UNITI GROUP INCCOMMON STOCK91325V1082200SH DFND020000
VF CORPCOMMON STOCK91820410883310,424SH SOLE010,42400
VF CORPCOMMON STOCK91820410831392SH DFND039200
VBI VACCINES INCCOMMON STOCK91822J103268,500SH SOLE08,50000
VALERO ENERGY CORPCOMMON STOCK91913Y10021300SH SOLE030000
VALLEY NATL BANCORPCOMMON STOCK91979410721115,356SH SOLE015,35600
VANECK VECTORS GOLD MINERS ETFETF/INTERNATIONAL EQUITY92189F1061905,835SH SOLE05,785050
VANECK VECTORS GOLD MINERS ETFETF/INTERNATIONAL EQUITY92189F10665120,045SH DFND020,04500
VANECK VECTORS ETF TR GREEN BD ETFETF/FIXED INCOME92189F1713100SH SOLE010000
VANECK VECTORS CHINAAMC CHINA BOND ETFETF/INTERNATIONAL FIXED INCOME92189F37914600SH DFND060000
VANECK VECTORS HIGH YLD MUNIETF/FIXED INCOME92189H40947750SH SOLE075000
VANGUARD DIVIDEND APPRECIATION ETFETF/EQUITY9219088441,3379,089SH SOLE09,08900
VANGUARD DIVIDEND APPRECIATION ETFETF/EQUITY9219088445093,464SH DFND03,46400
VANGUARD TOTAL INTL STOCK ETFETF/INTERNATIONAL EQUITY9219097681983,162SH SOLE03,16200
VANGUARD MEGA CAP GROWTHETF/EQUITY9219108161885SH SOLE08500
VANGUARD INTERM-TERM BOND ETFETF/FIXED INCOME92193781933370SH SOLE037000
VANGUARD SHORT TERM BOND ETFETF/FIXED INCOME9219378278159,922SH SOLE09,6020320
VANGUARD SHORT TERM BOND ETFETF/FIXED INCOME9219378271461,772SH DFND01,77200
VANGUARD TOTAL BOND MRKT ETFETF/FIXED INCOME9219378351,10112,992SH SOLE12512,8671250
VANGUARD TOTAL BOND MRKT ETFETF/FIXED INCOME9219378351311,552SH DFND01,55200
VANGUARD FTSE DEVELOPED MARKETS ETFETF/INTERNATIONAL EQUITY92194385850610,308SH SOLE010,30800
VANGUARD FTSE DEVELOPED MARKETS ETFETF/INTERNATIONAL EQUITY9219438582114,297SH DFND04,29700
VANGUARD HIGH DIVIDEND YIELDETF/EQUITY9219464061171,156SH SOLE01,15600
VANGUARD HIGH DIVIDEND YIELDETF/EQUITY92194640635350SH DFND035000
VANGUARD FINANCIALS ETFETF/EQUITY92204A4056527,715SH SOLE07,71500
VANGUARD FINANCIALS ETFETF/EQUITY92204A4052242,650SH DFND02,65000
VANGUARD HEALTH CARE ETFETF/EQUITY92204A5041981SH SOLE08100
VANGUARD HEALTH CARE ETFETF/EQUITY92204A50470306SH DFND030600
VANGUARD INDUSTRIALS ETFETF/EQUITY92204A6038334,400SH DFND04,40000
VANGUARD INFO TECH ETFETF/EQUITY92204A7021,2233,413SH SOLE03,41300
VANGUARD INFO TECH ETFETF/EQUITY92204A7023601,004SH DFND01,00400
VANGUARD UTILITIES ETFETF/EQUITY92204A87696680SH SOLE068000
VANGUARD FTSE EMERGING MARKETS ETFETF/INTERNATIONAL EQUITY9220428583,15660,651SH SOLE6560,586650
VANGUARD FTSE EMERGING MARKETS ETFETF/INTERNATIONAL EQUITY9220428584789,177SH DFND09,17700
VANGUARD INTL EQUITY INDEX FMSCI EUROPE ETFETF/INTERNATIONAL EQUITY922042874584SH DFND08400
VANGUARD SHORT TERM CORP BOND ETFETF/FIXED INCOME92206C4092,53330,708SH SOLE6530,643650
VANGUARD SHORT TERM CORP BOND ETFETF/FIXED INCOME92206C4097118,614SH DFND08,61400
VANGUARD INTERM-TERM GOVT BDETFETF/FIXED INCOME92206C7065508,185SH SOLE07,9900195
VANGUARD INTERM-TERM GOVT BDETFETF/FIXED INCOME92206C7068115SH DFND011500
VANGUARD LONG TERM TREASURYETF/FIXED INCOME92206C8472092,525SH SOLE02,460065
VANGUARD LONG TERM TREASURYETF/FIXED INCOME92206C847675SH DFND07500
VANGUARD INTERM TERM CORP BDETFETF/FIXED INCOME92206C8707,77383,557SH SOLE083,517040
VANGUARD INTERM TERM CORP BDETFETF/FIXED INCOME92206C87018190SH DFND019000
VARIAN MEDICAL SYSTEMS INCCOMMON STOCK92220P10529166SH SOLE016600
VANGUARD S&P 500 ETFETF/EQUITY9229083638322,285SH SOLE02,28500
VANGUARD MIDCAP VALUE ETFETF/EQUITY92290851230225SH SOLE022500
VANGUARD MIDCAP VALUE ETFETF/EQUITY92290851248354SH DFND035400
VANGUARD MIDCAP GROWTH ETFETF/EQUITY92290853866309SH DFND030900
VANGUARD REIT ETFETF/EQUITY9229085531,16812,719SH SOLE012,71900
VANGUARD REIT ETFETF/EQUITY92290855346496SH DFND049600
VANGUARD SMALLCAP GROWTH ETFETF/EQUITY92290859539143SH SOLE014300
VANGUARD SMALLCAP VALUE ETFETF/EQUITY9229086112321,400SH SOLE01,40000
VANGUARD MIDCAP ETFETF/EQUITY922908629161729SH SOLE072900
VANGUARD INDEX FDS EXTEND MKT ETF-VXFETF/EQUITY92290865230167SH SOLE016700
VANGUARD INDEX FDS EXTEND MKT ETF-VXFETF/EQUITY922908652635SH DFND03500
VANGUARD GROWTH ETFETF/EQUITY92290873654210SH SOLE021000
VANGUARD GROWTH ETFETF/EQUITY92290873693360SH DFND036000
VANGUARD SMALLCAP ETFETF/EQUITY9229087512861,338SH SOLE01,33800
VANGUARD SMALLCAP ETFETF/EQUITY9229087511150SH DFND05000
VANGUARD TOTAL STOCK MARKET ETFETF/EQUITY92290876913,22263,969SH DFND063,96900
VERIZON COMMUNICATIONSCOMMON STOCK92343V1048,706149,710SH SOLE0149,71000
VERIZON COMMUNICATIONSCOMMON STOCK92343V1042,17637,413SH DFND037,41300
VIATRIS INCCOMMON STOCK92556V10619814,192SH SOLE014,19200
VIATRIS INCCOMMON STOCK92556V106503,560SH DFND03,56000
VISA INC CLASS ACOMMON STOCK92826C8391,8628,795SH SOLE08,79500
VISA INC CLASS ACOMMON STOCK92826C83974349SH DFND034900
WABTEC CORPCOMMON STOCK92974010806SH SOLE0600
WABTEC CORPCOMMON STOCK929740108338SH DFND03800
WAL MART STORES INCCOMMON STOCK9311421034,56933,638SH SOLE033,63800
WAL MART STORES INCCOMMON STOCK9311421031,0487,716SH DFND07,71600
WALGREENS BOOTS ALLIANCE INCCOMMON STOCK93142710821390SH SOLE039000
WALGREENS BOOTS ALLIANCE INCCOMMON STOCK931427108681,235SH DFND01,23500
WASTE MANAGEMENT INCCOMMON STOCK94106L1092511,947SH SOLE01,94700
WASTE MANAGEMENT INCCOMMON STOCK94106L10977600SH DFND060000
WELLTOWER INCCOMMON STOCK95040Q10414200SH DFND020000
WEYERHAEUSER COCOMMON STOCK962166104571,600SH SOLE01,60000
WISDOMTREE US HIGH DIVIDEND ETFETF/EQUITY97717W2081,31817,280SH SOLE017,28000
WISDOMTREE US HIGH DIVIDEND ETFETF/EQUITY97717W20846600SH DFND060000
WISDOMTREE SMALLCAP DIVIDENDETF/EQUITY97717W60428900SH DFND090000
SPDR GOLD MINISHARESETF/OTHER98149E2041528,960SH SOLE08,96000
XYLEM INCCOMMON STOCK98419M1001098SH SOLE09800
XEROX HOLDINGS CORPCOMMON STOCK98421M1066250SH SOLE025000
ZEBRA TECHNOLOGIES CORP CL ACOMMON STOCK98920710597200SH DFND020000
ZIMMER HOLDINGS INCCOMMON STOCK98956P1026404,000SH DFND04,00000