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 42 331 SH   SOLE 0 331 0 0
AMCOR PLC FOREIGN EQUITIES G0250X107 1,478 126,519 SH   SOLE 0 126,519 0 0
AMCOR PLC FOREIGN EQUITIES G0250X107 172 14,730 SH   DFND 0 14,730 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 28 200 SH   SOLE 0 200 0 0
EATON CORP PLC FOREIGN EQUITIES G29183103 256 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 47 166 SH   SOLE 0 166 0 0
MEDTRONIC PLC FOREIGN EQUITIES G5960L103 765 6,479 SH   SOLE 0 6,479 0 0
MEDTRONIC PLC FOREIGN EQUITIES G5960L103 40 340 SH   DFND 0 340 0 0
MYOVANT SCIENCES LTD COMMON STOCK G637AM102 10 500 SH   DFND 0 500 0 0
TRANE TECHNOLOGIES PLC FOREIGN EQUITIES G8994E103 206 1,242 SH   SOLE 0 1,242 0 0
WHITE MTNS INS GROUP LTD COMMON STOCK G9618E107 111 100 SH   DFND 0 100 0 0
CHUBB LTD FOREIGN EQUITIES H1467J104 1,515 9,593 SH   SOLE 0 9,593 0 0
CHUBB LTD FOREIGN EQUITIES H1467J104 224 1,418 SH   DFND 0 1,418 0 0
UBS GROUP AG FOREIGN EQUITIES H42097107 16 1,000 SH   DFND 0 1,000 0 0
AFLAC INC COMMON STOCK 001055102 17 323 SH   SOLE 0 323 0 0
AGCO CORP COMMON STOCK 001084102 14 100 SH   DFND 0 100 0 0
AT&T INC COMMON STOCK 00206R102 7,309 241,464 SH   SOLE 0 241,464 0 0
AT&T INC COMMON STOCK 00206R102 1,551 51,241 SH   DFND 0 51,241 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100 5,293 44,167 SH   SOLE 0 44,167 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100 810 6,760 SH   DFND 0 6,760 0 0
ABBVIE INC COMMON STOCK 00287Y109 5,854 54,090 SH   SOLE 0 54,090 0 0
ABBVIE INC COMMON STOCK 00287Y109 978 9,041 SH   DFND 0 9,041 0 0
ADOBE INC COMMON STOCK 00724F101 539 1,134 SH   SOLE 0 1,134 0 0
AGILENT TECHNOLOGIES INC COMMON STOCK 00846U101 10 76 SH   DFND 0 76 0 0
AGENUS INC COMMON STOCK 00847G705 1 300 SH   SOLE 0 300 0 0
AIM IMMUNOTECH INC COMMON STOCK 00901B105 30 13,226 SH   SOLE 0 13,226 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 877 3,117 SH   SOLE 0 3,117 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 357 1,270 SH   DFND 0 1,270 0 0
ALBEMARLE CORP COMMON STOCK 012653101 1,019 6,975 SH   SOLE 0 6,975 0 0
ALBEMARLE CORP COMMON STOCK 012653101 409 2,800 SH   DFND 0 2,800 0 0
THE ALLSTATE CORPORATION COMMON STOCK 020002101 20 175 SH   DFND 0 175 0 0
ALPHABET INC CLASS C COMMON STOCK 02079K107 825 399 SH   SOLE 0 399 0 0
ALPHABET INC CLASS C COMMON STOCK 02079K107 254 123 SH   DFND 0 123 0 0
ALPHABET INC CLASS A COMMON STOCK 02079K305 2,370 1,149 SH   SOLE 0 1,149 0 0
ALPHABET INC CLASS A COMMON STOCK 02079K305 474 230 SH   DFND 0 230 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 458 8,962 SH   SOLE 0 8,962 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 73 1,424 SH   DFND 0 1,424 0 0
AMAZON.COM INC COMMON STOCK 023135106 2,410 779 SH   SOLE 0 779 0 0
AMAZON.COM INC COMMON STOCK 023135106 436 141 SH   DFND 0 141 0 0
AMEREN CORPORATION COMMON STOCK 023608102 203 2,498 SH   SOLE 0 2,498 0 0
AMERICAN ELECTRIC POWER CO COMMON STOCK 025537101 721 8,512 SH   SOLE 0 8,512 0 0
AMERICAN ELECTRIC POWER CO COMMON STOCK 025537101 280 3,300 SH   DFND 0 3,300 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 1,268 8,968 SH   SOLE 0 8,968 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 27 192 SH   DFND 0 192 0 0
AMERICAN TOWER CORP COMMON STOCK 03027X100 434 1,815 SH   SOLE 0 1,815 0 0
AMERICAN TOWER CORP COMMON STOCK 03027X100 717 3,000 SH   DFND 0 3,000 0 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103 300 2,000 SH   DFND 0 2,000 0 0
AMETEK INC COMMON STOCK 031100100 894 7,000 SH   DFND 0 7,000 0 0
AMGEN INC COMMON STOCK 031162100 2,275 9,143 SH   SOLE 0 9,143 0 0
AMGEN INC COMMON STOCK 031162100 690 2,775 SH   DFND 0 2,775 0 0
ANALOG DEVICES INC COMMON STOCK 032654105 18 116 SH   SOLE 0 116 0 0
ANTHEM INC COMMON STOCK 036752103 800 2,230 SH   SOLE 0 2,230 0 0
APPLE INC COMMON STOCK 037833100 51,529 421,849 SH   SOLE 0 421,849 0 0
APPLE INC COMMON STOCK 037833100 1,211 9,916 SH   DFND 0 9,916 0 0
ARROW FINANCIAL CORPORATION COMMON STOCK 042744102 120 3,592 SH   SOLE 0 3,592 0 0
ATOSSA THERAPEUTICS INC COMMON STOCK 04962H506 3 1,475 SH   SOLE 0 1,475 0 0
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 2,700 14,325 SH   SOLE 0 14,325 0 0
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 623 3,306 SH   DFND 0 3,306 0 0
BCE INC FOREIGN EQUITIES 05534B760 129 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 55 2,260 SH   DFND 0 2,260 0 0
BANK OF AMERICA CORPORATION COMMON STOCK 060505104 1,090 28,169 SH   SOLE 0 28,169 0 0
BANK OF AMERICA CORPORATION COMMON STOCK 060505104 306 7,921 SH   DFND 0 7,921 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 123 2,611 SH   SOLE 0 2,611 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 17 353 SH   DFND 0 353 0 0
BARRICK GOLD CORPORATION FOREIGN EQUITIES 067901108 4 200 SH   SOLE 0 200 0 0
BARRICK GOLD CORPORATION FOREIGN EQUITIES 067901108 8 415 SH   DFND 0 415 0 0
BAXTER INTERNATIONAL INC COMMON STOCK 071813109 848 10,050 SH   SOLE 0 10,050 0 0
BAXTER INTERNATIONAL INC COMMON STOCK 071813109 13 150 SH   DFND 0 150 0 0
BECTON DICKINSON AND COMPANY COMMON STOCK 075887109 964 3,965 SH   SOLE 0 3,965 0 0
BECTON DICKINSON AND COMPANY COMMON STOCK 075887109 243 1,000 SH   DFND 0 1,000 0 0
BERKSHIRE HATHAWAY INC B COMMON STOCK 084670702 1,320 5,165 SH   SOLE 0 5,165 0 0
BERKSHIRE HILLS BANCORP INC COMMON STOCK 084680107 6 264 SH   DFND 0 264 0 0
BHP GROUP LTD ADR FOREIGN EQUITIES 088606108 540 7,790 SH   SOLE 0 7,790 0 0
BHP GROUP LTD ADR FOREIGN EQUITIES 088606108 166 2,390 SH   DFND 0 2,390 0 0
BIOGEN INC COMMON STOCK 09062X103 224 800 SH   DFND 0 800 0 0
BIONTECH SE ADR FOREIGN EQUITIES 09075V102 16 150 SH   SOLE 0 150 0 0
BIONTECH SE ADR FOREIGN EQUITIES 09075V102 22 200 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 85 13,958 SH   SOLE 0 13,958 0 0
BLACKROCK INC COMMON STOCK 09247X101 513 680 SH   SOLE 0 680 0 0
BLACKROCK INC COMMON STOCK 09247X101 23 30 SH   DFND 0 30 0 0
BLACKROCK ENHANCED EQT DIV ETF/EQUITY 09251A104 54 5,703 SH   DFND 0 5,703 0 0
BLACKROCK FLOAT RATE STRAT CLOSED END MUTUAL FUNDS 09255X100 23 1,800 SH   SOLE 0 1,800 0 0
BLACKSTONE GROUP INC COMMON STOCK 09260D107 108 1,450 SH   SOLE 0 1,450 0 0
BLACKSTONE GROUP INC COMMON STOCK 09260D107 7 100 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 600 2,355 SH   SOLE 0 2,355 0 0
BOEING COMPANY COMMON STOCK 097023105 39 155 SH   DFND 0 155 0 0
BORGWARNER INC COMMON STOCK 099724106 5 100 SH   DFND 0 100 0 0
BRISTOL MYERS SQUIBB COMPANY COMMON STOCK 110122108 4,677 74,080 SH   SOLE 0 74,080 0 0
BRISTOL MYERS SQUIBB COMPANY COMMON STOCK 110122108 8,592 136,100 SH   DFND 0 136,100 0 0
BROOKFIELD ASSET MGMT INC CLASS A FOREIGN EQUITIES 112585104 68 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 1,371 14,362 SH   SOLE 0 14,362 0 0
C H ROBINSON WORLDWIDE INC COMMON STOCK 12541W209 89 935 SH   DFND 0 935 0 0
CIGNA CORP NEW COMMON STOCK 125523100 147 607 SH   SOLE 0 607 0 0
CIGNA CORP NEW COMMON STOCK 125523100 235 973 SH   DFND 0 973 0 0
CSX CORP COMMON STOCK 126408103 26 270 SH   SOLE 0 270 0 0
CSX CORP COMMON STOCK 126408103 1,832 19,000 SH   DFND 0 19,000 0 0
CVS HEALTH CORP COMMON STOCK 126650100 2,962 39,372 SH   SOLE 0 39,372 0 0
CVS HEALTH CORP COMMON STOCK 126650100 600 7,970 SH   DFND 0 7,970 0 0
CANADIAN PACIFIC RAILWAY LTD FOREIGN EQUITIES 13645T100 485 1,280 SH   SOLE 0 1,280 0 0
CAPITAL ONE FINANCIAL COMMON STOCK 14040H105 12 92 SH   SOLE 0 92 0 0
CARRIER GLOBAL CORPORATION COMMON STOCK 14448C104 272 6,434 SH   SOLE 0 6,434 0 0
CARRIER GLOBAL CORPORATION COMMON STOCK 14448C104 115 2,715 SH   DFND 0 2,715 0 0
CATERPILLAR INC COMMON STOCK 149123101 3,936 16,973 SH   SOLE 0 16,973 0 0
CATERPILLAR INC COMMON STOCK 149123101 507 2,187 SH   DFND 0 2,187 0 0
CEL SCI CORP COMMON STOCK 150837607 8 500 SH   SOLE 0 500 0 0
THE CHEMOURS CO COMMON STOCK 163851108 10 360 SH   DFND 0 360 0 0
CHEVRON CORP COMMON STOCK 166764100 3,684 35,156 SH   SOLE 0 35,156 0 0
CHEVRON CORP COMMON STOCK 166764100 746 7,123 SH   DFND 0 7,123 0 0
CHURCH & DWIGHT CO INC COMMON STOCK 171340102 175 2,000 SH   DFND 0 2,000 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 7,759 150,073 SH   SOLE 0 150,073 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 1,741 33,680 SH   DFND 0 33,680 0 0
CITIGROUP INC COMMON STOCK 172967424 7 97 SH   SOLE 0 97 0 0
CITIGROUP INC COMMON STOCK 172967424 7 100 SH   DFND 0 100 0 0
CLEANSPARK INC COMMON STOCK 18452B209 26 1,072 SH   SOLE 0 1,072 0 0
COCA COLA COMPANY COMMON STOCK 191216100 7,749 147,049 SH   SOLE 0 147,049 0 0
COCA COLA COMPANY COMMON STOCK 191216100 977 18,534 SH   DFND 0 18,534 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 945 11,982 SH   SOLE 0 11,982 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 544 6,896 SH   DFND 0 6,896 0 0
COMCAST CORP CLASS A COMMON STOCK 20030N101 3,637 67,212 SH   SOLE 0 67,212 0 0
COMCAST CORP CLASS A COMMON STOCK 20030N101 265 4,902 SH   DFND 0 4,902 0 0
COMMUNITY BK SYS INC COMMON STOCK 203607106 88 1,142 SH   SOLE 0 2,632 0 0
COMMUNITY BK SYS INC COMMON STOCK 203607106 10,414 135,735 SH   DFND 0 135,735 0 0
CONAGRA FOODS INC COMMON STOCK 205887102 75 2,000 SH   SOLE 0 2,000 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 773 14,601 SH   SOLE 0 14,601 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 170 3,206 SH   DFND 0 3,206 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 330 4,410 SH   SOLE 0 4,410 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 79 1,055 SH   DFND 0 1,055 0 0
CONSTELLATION BRANDS INC CLASS A COMMON STOCK 21036P108 348 1,525 SH   SOLE 0 1,525 0 0
CONSTELLATION BRANDS INC CLASS A COMMON STOCK 21036P108 228 1,000 SH   DFND 0 1,000 0 0
COOPER COMPANIES INC COMMON STOCK 216648402 115 300 SH   DFND 0 300 0 0
CORNING INC COMMON STOCK 219350105 1,353 31,100 SH   SOLE 0 31,100 0 0
CORNING INC COMMON STOCK 219350105 95 2,175 SH   DFND 0 2,175 0 0
CORTEVA INC COMMON STOCK 22052L104 301 6,448 SH   SOLE 0 6,448 0 0
CORTEVA INC COMMON STOCK 22052L104 48 1,032 SH   DFND 0 1,032 0 0
COSTCO COMMON STOCK 22160K105 41 115 SH   SOLE 0 115 0 0
CUMMINS INC COMMON STOCK 231021106 2,593 10,006 SH   SOLE 0 10,006 0 0
CUMMINS INC COMMON STOCK 231021106 684 2,640 SH   DFND 0 2,640 0 0
CURIOSITYSTREAM INC CL A COMMON STOCK 23130Q107 15 1,109 SH   SOLE 0 1,109 0 0
DANAHER CORP COMMON STOCK 235851102 144 640 SH   SOLE 0 640 0 0
DARDEN RESTAURANTS INC COMMON STOCK 237194105 7 50 SH   SOLE 0 50 0 0
DEERE & COMPANY COMMON STOCK 244199105 37 100 SH   SOLE 0 100 0 0
DEERE & COMPANY COMMON STOCK 244199105 37 100 SH   DFND 0 100 0 0
DELL TECHNOLOGIES INC COMMON STOCK 24703L202 13 146 SH   SOLE 0 146 0 0
DIGI INTL INC COMMON STOCK 253798102 8 400 SH   DFND 0 400 0 0
DIME CMNTY BANCSHARES INC COMMON STOCK 25432X102 6 200 SH   SOLE 0 200 0 0
WALT DISNEY CO COMMON STOCK 254687106 5,060 27,424 SH   SOLE 0 27,424 0 0
WALT DISNEY CO COMMON STOCK 254687106 393 2,128 SH   DFND 0 2,128 0 0
DOLLAR GENERAL CORP COMMON STOCK 256677105 454 2,240 SH   SOLE 0 2,240 0 0
DOLLAR GENERAL CORP COMMON STOCK 256677105 71 350 SH   DFND 0 350 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109 3,625 47,733 SH   SOLE 0 47,733 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109 1,105 14,552 SH   DFND 0 14,552 0 0
DORCHESTER MINERALS LP COMMON STOCK 25820R105 812 59,460 SH   SOLE 0 59,460 0 0
DOW INC COMMON STOCK 260557103 3,750 58,662 SH   SOLE 0 58,662 0 0
DOW INC COMMON STOCK 260557103 312 4,885 SH   DFND 0 4,885 0 0
DRAFTKINGS INC CL A COMMON STOCK 26142R104 12 200 SH   SOLE 0 200 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204 678 7,025 SH   SOLE 0 7,025 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204 102 1,057 SH   DFND 0 1,057 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102 2,783 36,007 SH   SOLE 0 36,007 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102 297 3,840 SH   DFND 0 3,840 0 0
EOG RESOURCES INC COMMON STOCK 26875P101 103 1,421 SH   SOLE 0 1,421 0 0
EOG RESOURCES INC COMMON STOCK 26875P101 6 80 SH   DFND 0 80 0 0
ETFMG PRIME MOBILE PAYMENTS ETF/EQUITY 26924G409 2,866 42,910 SH   SOLE 0 42,830 0 80
ETFMG PRIME MOBILE PAYMENTS ETF/EQUITY 26924G409 14 210 SH   DFND 0 210 0 0
EASTMAN CHEMICAL CO COMMON STOCK 277432100 308 2,800 SH   SOLE 0 2,800 0 0
ECOLAB INC COMMON STOCK 278865100 202 945 SH   SOLE 0 945 0 0
ECOLAB INC COMMON STOCK 278865100 161 750 SH   DFND 0 750 0 0
EDISON INTL COMMON STOCK 281020107 169 2,887 SH   DFND 0 2,887 0 0
EMERSON ELECTRIC CO COMMON STOCK 291011104 4,678 51,856 SH   SOLE 0 51,856 0 0
EMERSON ELECTRIC CO COMMON STOCK 291011104 500 5,541 SH   DFND 0 5,541 0 0
ENBRIDGE INC FOREIGN EQUITIES 29250N105 115 3,148 SH   DFND 0 3,148 0 0
ENERGY TRANSFER EQUITY LP COMMON STOCK 29273V100 8 1,090 SH   DFND 0 1,090 0 0
ENTERPRISE PRODS PARTNERS LP COMMON STOCK 293792107 24 1,098 SH   SOLE 0 1,098 0 0
EQUIFAX INC COMMON STOCK 294429105 725 4,000 SH   DFND 0 4,000 0 0
ESSENTIAL UTILITIES INC COMMON STOCK 29670G102 312 6,980 SH   SOLE 0 6,980 0 0
ESSENTIAL UTILITIES INC COMMON STOCK 29670G102 46 1,025 SH   DFND 0 1,025 0 0
EXELON CORP COMMON STOCK 30161N101 1,515 34,641 SH   SOLE 0 34,641 0 0
EXELON CORP COMMON STOCK 30161N101 361 8,250 SH   DFND 0 8,250 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102 3,183 57,007 SH   SOLE 0 57,007 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102 929 16,639 SH   DFND 0 16,639 0 0
FACEBOOK INC CLASS A COMMON STOCK 30303M102 87 295 SH   SOLE 0 295 0 0
FACEBOOK INC CLASS A COMMON STOCK 30303M102 83 283 SH   DFND 0 283 0 0
FASTENAL CO COMMON STOCK 311900104 484 9,632 SH   SOLE 0 9,632 0 0
FASTENAL CO COMMON STOCK 311900104 312 6,200 SH   DFND 0 6,200 0 0
FEDEX CORP COMMON STOCK 31428X106 61 215 SH   SOLE 0 215 0 0
FIDELITY NATL INFORMATION SV COMMON STOCK 31620M106 422 3,000 SH   DFND 0 3,000 0 0
FIFTH THIRD BANCORP COMMON STOCK 316773100 25 655 SH   DFND 0 655 0 0
FIRST TR NASDAQ CYB SEC ETF ETF/EQUITY 33734X846 1 32 SH   DFND 0 32 0 0
FLEXSHARES GLOBAL UPSTREAM NATURAL RESOURCES ETF/INTERNATIONAL EQUITY 33939L407 793 21,925 SH   SOLE 0 21,925 0 0
FLEXSHARES GLOBAL UPSTREAM NATURAL RESOURCES ETF/INTERNATIONAL EQUITY 33939L407 38 1,050 SH   DFND 0 1,050 0 0
FORD MOTOR COMPANY COMMON STOCK 345370860 2 200 SH   SOLE 0 200 0 0
FORD MOTOR COMPANY COMMON STOCK 345370860 25 2,000 SH   DFND 0 2,000 0 0
FORTUNE BRANDS HOME & SEC COMMON STOCK 34964C106 57 600 SH   SOLE 0 600 0 0
FRANCO NEVADA CORP FOREIGN EQUITIES 351858105 17 132 SH   DFND 0 132 0 0
FRANKLIN TEMPLETON FTSE JAPAN ETF ETF/INTERNATIONAL EQUITY 35473P744 9 300 SH   SOLE 0 300 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 9 898 SH   DFND 0 898 0 0
GABELLI EQUITY TR INC CLOSED END MUTUAL FUNDS 362397101 7 1,000 SH   DFND 0 1,000 0 0
GABELLI UTILITY TRUST MUTUAL FUNDS MID CAP EQUITY 36240A101 6 866 SH   DFND 0 866 0 0
GABELLI UTIL TR RIGHT 04/14/2021 WARRANTS & RIGHTS 36240A168 0 866 SH   DFND 0 866 0 0
ARTHUR J GALLAGHER & CO COMMON STOCK 363576109 9 75 SH   DFND 0 75 0 0
GAP INC COMMON STOCK 364760108 80 2,700 SH   SOLE 0 2,700 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 1,756 9,671 SH   SOLE 0 9,671 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 69 382 SH   DFND 0 382 0 0
GENERAL ELECTRIC CO COMMON STOCK 369604103 302 22,979 SH   SOLE 0 22,979 0 0
GENERAL ELECTRIC CO COMMON STOCK 369604103 140 10,628 SH   DFND 0 10,628 0 0
GENERAL MILLS INC COMMON STOCK 370334104 2,769 45,158 SH   SOLE 0 45,158 0 0
GENERAL MILLS INC COMMON STOCK 370334104 531 8,660 SH   DFND 0 8,660 0 0
GEVO INC COMMON STOCK 374396406 9 951 SH   SOLE 0 951 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 925 14,307 SH   SOLE 0 14,307 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 200 3,100 SH   DFND 0 3,100 0 0
GLOBAL X ROBOTICS & AI ETF ETF/INTERNATIONAL EQUITY 37954Y715 2,602 78,543 SH   SOLE 0 78,443 0 100
GLOBAL X ROBOTICS & AI ETF ETF/INTERNATIONAL EQUITY 37954Y715 7 210 SH   DFND 0 210 0 0
GOLDMAN SACHS JUST US LARGE CAP EQUITY ETF ETF/EQUITY 381430396 6 105 SH   SOLE 0 105 0 0
HARLEY DAVIDSON INC COMMON STOCK 412822108 8 200 SH   SOLE 0 200 0 0
HEAT BIOLOGICS INC COMMON STOCK 42237K409 4 560 SH   SOLE 0 560 0 0
HERSHEY CO COMMON STOCK 427866108 665 4,205 SH   SOLE 0 4,205 0 0
HERSHEY CO COMMON STOCK 427866108 223 1,410 SH   DFND 0 1,410 0 0
HOME DEPOT INC COMMON STOCK 437076102 2,989 9,791 SH   SOLE 0 9,791 0 0
HOME DEPOT INC COMMON STOCK 437076102 308 1,008 SH   DFND 0 1,008 0 0
HONEYWELL INTL INC COMMON STOCK 438516106 2,041 9,401 SH   SOLE 0 9,401 0 0
HONEYWELL INTL INC COMMON STOCK 438516106 56 259 SH   DFND 0 259 0 0
IEC ELECTRONICS CORPORATION COMMON STOCK 44949L105 2 200 SH   DFND 0 200 0 0
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109 4,272 19,287 SH   SOLE 0 19,287 0 0
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109 774 3,493 SH   DFND 0 3,493 0 0
INCYTE CORP COMMON STOCK 45337C102 8 100 SH   SOLE 0 100 0 0
INFINITY PHARMACEUTICALS INC COMMON STOCK 45665G303 19 6,000 SH   SOLE 0 6,000 0 0
INFUSYSTEMS HOLDINGS INC COMMON STOCK 45685K102 20 1,000 SH   SOLE 0 1,000 0 0
INGERSOLL RAND INC COMMON STOCK 45687V106 54 1,095 SH   SOLE 0 1,095 0 0
INTEL CORP COMMON STOCK 458140100 9,557 149,335 SH   SOLE 0 149,335 0 0
INTEL CORP COMMON STOCK 458140100 1,613 25,201 SH   DFND 0 25,201 0 0
INTL BUSINESS MACHINES CORP COMMON STOCK 459200101 7,616 57,149 SH   SOLE 0 57,149 0 0
INTL BUSINESS MACHINES CORP COMMON STOCK 459200101 10,489 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 4,620 91,530 SH   SOLE 0 91,530 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 1,802 5,646 SH   SOLE 8 5,638 8 0
INVESCO QQQ TRUST ETF/EQUITY 46090E103 134 420 SH   DFND 0 420 0 0
INTUIT INC COMMON STOCK 461202103 11 30 SH   SOLE 0 30 0 0
INVESCO EXCHANGE TRADED FD TR WILDERHIL CLAN ETF/EQUITY 46137V134 32 323 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 S&P 500 EQUAL WEIGHT ETF ETF/EQUITY 46137V357 7,083 50,000 SH   SOLE 0 50,000 0 0
INVESCO S&P 500 EQUAL WEIGHTCONS DISC ETF ETF/EQUITY 46137V381 3,282 23,270 SH   SOLE 0 23,230 0 40
INVESCO S&P 500 EQUAL WEIGHTCONS DISC ETF ETF/EQUITY 46137V381 13 90 SH   DFND 0 90 0 0
INVESCO FTSE RAFI US1000 ETF ETF/EQUITY 46137V613 17 112 SH   SOLE 0 112 0 0
INVESCO EXCH TRADED FD TR IINATL AMT MUNI ETF/EQUITY 46138E537 33 1,250 SH   SOLE 0 1,250 0 0
INVESCO EMERGING MARKETS SOVEREIGN DEBT ETF/INTERNATIONAL FIXED INCOME 46138E784 8 297 SH   SOLE 0 297 0 0
INVESCO VARIABLE RATE PFD ETF/EQUITY 46138G870 1,680 65,000 SH   SOLE 0 65,000 0 0
INVESCO VARIABLE RATE PFD ETF/EQUITY 46138G870 16 600 SH   DFND 0 600 0 0
INVESCO BULLETSHS CORP 2023 ETF/FIXED INCOME 46138J866 9 430 SH   SOLE 0 430 0 0
IQVIA HLDGS INC COMMON STOCK 46266C105 53 275 SH   SOLE 0 275 0 0
IRIDIUM COMMUNICATIONS INC COMMON STOCK 46269C102 8 200 SH   DFND 0 200 0 0
ISHARES SILVER TRUST ETF/OTHER 46428Q109 21 945 SH   SOLE 0 945 0 0
ISHARES SILVER TRUST ETF/OTHER 46428Q109 42 1,872 SH   DFND 0 1,872 0 0
ISHARES GOLD TRUST ETF/OTHER 464285105 5,926 364,658 SH   SOLE 0 364,358 0 300
ISHARES GOLD TRUST ETF/OTHER 464285105 7 405 SH   DFND 0 405 0 0
ISHARES MSCI CANADA ETF ETF/INTERNATIONAL EQUITY 464286509 288 8,459 SH   SOLE 0 8,459 0 0
ISHARES MSCI MIN VOL EMERGE MARKETS ETF ETF/INTERNATIONAL EQUITY 464286533 158 2,500 SH   SOLE 0 2,500 0 0
ISHARES CORE S&P TOTAL US STOCK MKT ETF ETF/EQUITY 464287150 11 120 SH   SOLE 0 120 0 0
ISHARES SELECT DIVIDEND ETF ETF/EQUITY 464287168 98 858 SH   SOLE 0 858 0 0
ISHARES TIPS BOND ETF ETF/FIXED INCOME 464287176 8,626 68,736 SH   SOLE 0 68,736 0 0
ISHARES CORE S&P 500 ETF ETF/EQUITY 464287200 45,912 115,408 SH   SOLE 50 115,358 50 0
ISHARES CORE S&P 500 ETF ETF/EQUITY 464287200 197 495 SH   DFND 0 495 0 0
ISHARES CORE US AGGREGATE BOND ETF ETF/FIXED INCOME 464287226 17 147 SH   DFND 0 147 0 0
ISHARES MSCI EMERGING MKTS ETF ETF/INTERNATIONAL EQUITY 464287234 207 3,884 SH   SOLE 0 3,884 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 213 1,636 SH   SOLE 40 1,596 40 0
ISHARES IBOXX $ INVMT GRADE CORP BOND ETF ETF/FIXED INCOME 464287242 55 425 SH   DFND 0 425 0 0
ISHARES S&P 500 GROWTH ETF ETF/EQUITY 464287309 843 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 40 520 SH   SOLE 0 520 0 0
ISHARES S&P 500 VALUE ETF ETF/EQUITY 464287408 803 5,685 SH   SOLE 0 5,685 0 0
ISHARES S&P 500 VALUE ETF ETF/EQUITY 464287408 15 105 SH   DFND 0 105 0 0
ISHARES TR 20 YR TR BD ETF ETF/EQUITY 464287432 44 325 SH   SOLE 0 325 0 0
ISHARES 7-10 YEAR TSY BOND ETF/FIXED INCOME 464287440 768 6,800 SH   SOLE 0 6,660 0 140
ISHARES 7-10 YEAR TSY BOND ETF/FIXED INCOME 464287440 11 100 SH   DFND 0 100 0 0
ISHARES 1-3 YR TREASURY BOND ETF/FIXED INCOME 464287457 4,588 53,191 SH   SOLE 0 53,191 0 0
ISHARES 1-3 YR TREASURY BOND ETF/FIXED INCOME 464287457 323 3,750 SH   DFND 0 3,750 0 0
ISHARES MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 464287465 2,929 38,610 SH   SOLE 0 38,610 0 0
ISHARES MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 464287465 864 11,387 SH   DFND 0 11,387 0 0
ISHARES RUSSELL MIDCAP VALUE ETF/EQUITY 464287473 4,600 42,082 SH   SOLE 0 42,082 0 0
ISHARES RUSSELL MIDCAP VALUE ETF/EQUITY 464287473 189 1,725 SH   DFND 0 1,725 0 0
ISHARES RUSSELL MID GROWTH ETF/EQUITY 464287481 4 40 SH   SOLE 0 40 0 0
ISHARES RUSSELL MIDCAP ETF ETF/EQUITY 464287499 18 242 SH   SOLE 0 242 0 0
ISHARES RUSSELL MIDCAP ETF ETF/EQUITY 464287499 131 1,774 SH   DFND 0 1,774 0 0
ISHARES CORE S&P MIDCAP ETF ETF/EQUITY 464287507 11,137 42,792 SH   SOLE 0 42,769 0 23
ISHARES CORE S&P MIDCAP ETF ETF/EQUITY 464287507 187 719 SH   DFND 0 719 0 0
ISHARES NASDAQ BIOTECHNOLOGYETF ETF/EQUITY 464287556 25 166 SH   SOLE 0 166 0 0
ISHARES RUSSELL 1000 VALUE ETF/EQUITY 464287598 3,440 22,699 SH   SOLE 0 22,564 0 135
ISHARES RUSSELL 1000 VALUE ETF/EQUITY 464287598 1,072 7,075 SH   DFND 0 7,075 0 0
ISHARES S&P MIDCAP 400 GROWTH ETF ETF/EQUITY 464287606 531 6,780 SH   SOLE 0 6,780 0 0
ISHARES S&P MIDCAP 400 GROWTH ETF ETF/EQUITY 464287606 47 600 SH   DFND 0 600 0 0
ISHARES RUSSELL 1000 GROWTH ETF ETF/EQUITY 464287614 6,107 25,126 SH   SOLE 0 25,041 0 85
ISHARES RUSSELL 1000 GROWTH ETF ETF/EQUITY 464287614 1,722 7,087 SH   DFND 0 7,087 0 0
ISHARES RUSSELL 2000 VALUE ETF/EQUITY 464287630 33 209 SH   DFND 0 209 0 0
ISHARES RUSSELL 2000 GROWTH ETF ETF/EQUITY 464287648 6 19 SH   SOLE 0 19 0 0
ISHARES RUSSELL 2000 GROWTH ETF ETF/EQUITY 464287648 42 141 SH   DFND 0 141 0 0
ISHARES RUSSELL 2000 ETF ETF/EQUITY 464287655 1,148 5,195 SH   SOLE 0 5,195 0 0
ISHARES RUSSELL 2000 ETF ETF/EQUITY 464287655 143 649 SH   DFND 0 649 0 0
ISHARES US TELECOM ETF ETF/EQUITY 464287713 2 48 SH   SOLE 0 48 0 0
ISHARES CORE S&P SMALLCAP ETF ETF/EQUITY 464287804 12,917 119,019 SH   SOLE 0 118,992 0 27
ISHARES CORE S&P SMALLCAP ETF ETF/EQUITY 464287804 1,474 13,586 SH   DFND 0 13,586 0 0
ISHARES GLOBAL CLEAN ENERGY ETF/INTERNATIONAL EQUITY 464288224 104 4,300 SH   SOLE 0 4,300 0 0
ISHARES GLOBAL CLEAN ENERGY ETF/INTERNATIONAL EQUITY 464288224 22 900 SH   DFND 0 900 0 0
ISHARES MSCI ACWI EX US ETF ETF/INTERNATIONAL EQUITY 464288240 166 3,000 SH   SOLE 0 3,000 0 0
ISHARES MSCI ACWI ETF ETF/EQUITY 464288257 5,956 62,600 SH   SOLE 0 62,540 0 60
ISHARES MSCI ACWI ETF ETF/EQUITY 464288257 12 125 SH   DFND 0 125 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 242 4,200 SH   SOLE 0 4,200 0 0
ISHARES NATIONAL MUNI BOND ETF ETF/FIXED INCOME 464288414 58 500 SH   SOLE 0 500 0 0
ISHARES IBOXX $ HIGH YIELD CORP BOND ETF ETF/FIXED INCOME 464288513 32 367 SH   SOLE 40 327 40 0
ISHARES IBOXX $ HIGH YIELD CORP BOND ETF ETF/FIXED INCOME 464288513 95 1,093 SH   DFND 0 1,093 0 0
ISHARES INTERMEDIATE CREDIT BOND ETF ETF/FIXED INCOME 464288638 144 2,424 SH   SOLE 0 2,424 0 0
ISHARES INTERMEDIATE CREDIT BOND ETF ETF/FIXED INCOME 464288638 44 741 SH   DFND 0 741 0 0
ISHARES SHORT TERM CORP BOND ETF/FIXED INCOME 464288646 18 335 SH   SOLE 0 335 0 0
ISHARES SHORT TERM CORP BOND ETF/FIXED INCOME 464288646 148 2,710 SH   DFND 0 2,710 0 0
ISHARES US PREFERRED STOCK ETF/OTHER 464288687 2,359 61,446 SH   SOLE 0 61,446 0 0
ISHARES US PREFERRED STOCK ETF/OTHER 464288687 188 4,895 SH   DFND 0 4,895 0 0
ISHARES CORE HIGH DIVIDEND ETF/EQUITY 46429B663 84 890 SH   SOLE 0 890 0 0
ISHARES CORE HIGH DIVIDEND ETF/EQUITY 46429B663 23 240 SH   DFND 0 240 0 0
ISHARES EDGE MSCI MIN VOL EAFE ETF ETF/INTERNATIONAL EQUITY 46429B689 2,411 33,035 SH   SOLE 0 32,915 0 120
ISHARES EDGE MSCI MIN VOL EAFE ETF ETF/INTERNATIONAL EQUITY 46429B689 22 299 SH   DFND 0 299 0 0
ISHARES EDGE MSCI MIN VOL USA ETF ETF/EQUITY 46429B697 14,686 212,259 SH   SOLE 0 211,964 0 295
ISHARES EDGE MSCI MIN VOL USA ETF ETF/EQUITY 46429B697 38 550 SH   DFND 0 550 0 0
ISHARES EDGE MSCI USA QUALITY FACTOR ETF ETF/EQUITY 46432F339 67 550 SH   SOLE 0 550 0 0
ISHARES CORE MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 46432F842 38,944 540,595 SH   SOLE 50 540,305 50 240
ISHARES CORE MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 46432F842 478 6,642 SH   DFND 0 6,642 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 46434G103 14,499 225,283 SH   SOLE 0 225,103 0 180
ISHARES CORE MSCI EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 46434G103 34 522 SH   DFND 0 522 0 0
ISHARES MSCI GLOBAL MTL&MIN PRODUCERS ETF ETF/INTERNATIONAL EQUITY 46434G848 1 32 SH   DFND 0 32 0 0
ISHARES ESG MSCI EM ETF ETF/INTERNATIONAL EQUITY 46434G863 595 13,740 SH   SOLE 0 13,740 0 0
ISHARES 0-5 YR INVMT GR CORP ETF/FIXED INCOME 46434V100 29 569 SH   SOLE 0 569 0 0
ISHARES 0-5 YR INVMT GR CORP ETF/FIXED INCOME 46434V100 43 835 SH   DFND 0 835 0 0
ISHARES MSCI INTL QUALITY FACTOR ETF ETF/INTERNATIONAL EQUITY 46434V456 58 1,600 SH   SOLE 0 1,600 0 0
ISHARES TR ESG AWRE 1 5 YR ETF/FIXED INCOME 46435G243 2 75 SH   SOLE 0 75 0 0
ISHARES TR ESG MSCI USA ETF (ESGU) ETF/EQUITY 46435G425 11 120 SH   SOLE 0 120 0 0
ISHARES TR ESG MSCI USA ETF (ESGU) ETF/EQUITY 46435G425 22 243 SH   DFND 0 243 0 0
ISHARES ESG ADV HIGH YIELD ETF/FIXED INCOME 46435G441 22 420 SH   SOLE 0 420 0 0
ISHARES FALLN ANGLS BOND ETF ETF/FIXED INCOME 46435G474 14 492 SH   SOLE 0 492 0 0
ISHARES ESG MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 46435G516 400 5,275 SH   SOLE 0 5,275 0 0
ISHARES CYBERSEC & TECH ETF ETF/EQUITY 46435U135 1 34 SH   DFND 0 34 0 0
ISHARES GENOMICS IMMUNOLOGY & HEALTHCARE ETF ETF/EQUITY 46435U192 16 350 SH   SOLE 0 350 0 0
ISHARES BB RATED CRP BND ETF ETF/FIXED INCOME 46435U473 19 370 SH   SOLE 0 370 0 0
ISHARES ESG AWARE MSCI SMALLCAP ETF ETF/EQUITY 46435U663 1 15 SH   SOLE 0 15 0 0
ISHARES BROAD USD HIGH YIELDCORP BOND ETF ETF/FIXED INCOME 46435U853 2,980 72,365 SH   SOLE 0 72,095 0 270
ISHARES BROAD USD HIGH YIELDCORP BOND ETF ETF/FIXED INCOME 46435U853 15 360 SH   DFND 0 360 0 0
JPMORGAN CHASE & CO COMMON STOCK 46625H100 11,345 74,527 SH   SOLE 0 74,527 0 0
JPMORGAN CHASE & CO COMMON STOCK 46625H100 943 6,195 SH   DFND 0 6,195 0 0
JABIL CIRCUIT INC. COMMON STOCK 466313103 10 200 SH   SOLE 0 200 0 0
J P MORGAN EXCHANGE-TRADED FEQUITY PREMIUM ETF/EQUITY 46641Q332 3,909 67,270 SH   SOLE 0 67,270 0 0
JP MORGAN ULTRA SHORT INC ETF/FIXED INCOME 46641Q837 4,999 98,495 SH   SOLE 0 98,495 0 0
JP MORGAN ULTRA SHORT INC ETF/FIXED INCOME 46641Q837 6 120 SH   DFND 0 120 0 0
JACOBS ENGR GROUP INC. COMMON STOCK 469814107 25 194 SH   DFND 0 194 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 9,888 60,166 SH   SOLE 0 60,166 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 2,727 16,590 SH   DFND 0 16,590 0 0
JOUNCE THERAPEUTICS INC COMMON STOCK 481116101 10 1,000 SH   SOLE 0 1,000 0 0
KLA CORPORATION COMMON STOCK 482480100 135 410 SH   SOLE 0 410 0 0
KEYCORP COMMON STOCK 493267108 20 1,000 SH   SOLE 0 1,000 0 0
KEYCORP COMMON STOCK 493267108 10 500 SH   DFND 0 500 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 819 5,889 SH   SOLE 0 5,889 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 690 4,965 SH   DFND 0 4,965 0 0
KINDER MORGAN INC COMMON STOCK 49456B101 4 220 SH   SOLE 0 220 0 0
KRAFT HEINZ COMPANY COMMON STOCK 500754106 93 2,333 SH   DFND 0 2,333 0 0
KRANESHARES CHINA INTERNET ETF/INTERNATIONAL EQUITY 500767306 2,310 30,250 SH   SOLE 0 30,210 0 40
KRANESHARES CHINA INTERNET ETF/INTERNATIONAL EQUITY 500767306 10 130 SH   DFND 0 130 0 0
KRANESHARES BOSERA MSCI CHINA A ETF ETF/EQUITY 500767405 886 20,035 SH   SOLE 0 20,035 0 0
KROGER COMPANY COMMON STOCK 501044101 13 370 SH   SOLE 0 370 0 0
LGL SYS ACQUISITION CORP COMMON STOCK 50201G106 5 500 SH   DFND 0 500 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 29 100 SH   SOLE 0 100 0 0
LIBERTY ALL STAR EQUITY FD CLOSED END MUTUAL FUNDS 530158104 55 7,208 SH   DFND 0 7,208 0 0
ELI LILLY AND COMPANY COMMON STOCK 532457108 923 4,939 SH   SOLE 0 4,939 0 0
ELI LILLY AND COMPANY COMMON STOCK 532457108 303 1,622 SH   DFND 0 1,622 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 262 710 SH   SOLE 0 710 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 214 580 SH   DFND 0 580 0 0
LOEWS CORP COMMON STOCK 540424108 67 1,300 SH   DFND 0 1,300 0 0
LOWES COMPANIES INC COMMON STOCK 548661107 4,459 23,445 SH   SOLE 0 23,445 0 0
LOWES COMPANIES INC COMMON STOCK 548661107 239 1,257 SH   DFND 0 1,257 0 0
LUMEN TECHNOLOGIES INC COMMON STOCK 550241103 15 1,150 SH   SOLE 0 1,150 0 0
M & T BANK CORP COMMON STOCK 55261F104 211 1,393 SH   SOLE 0 1,393 0 0
M & T BANK CORP COMMON STOCK 55261F104 1,250 8,248 SH   DFND 0 8,248 0 0
MP MATERIALS CORP CL A COMMON STOCK 553368101 5 150 SH   DFND 0 150 0 0
MAGNA INTERNATIONAL INC FOREIGN EQUITIES 559222401 63 720 SH   SOLE 0 720 0 0
MANULIFE FINL CORP FOREIGN EQUITIES 56501R106 323 15,000 SH   SOLE 0 15,000 0 0
MARATHON OIL CORP COMMON STOCK 565849106 2 145 SH   DFND 0 145 0 0
MARATHON PETROLEUM CORP COMMON STOCK 56585A102 18 344 SH   DFND 0 344 0 0
MARKEL CORPORATION COMMON STOCK 570535104 114 100 SH   DFND 0 100 0 0
MASTERCARD INC CLASS A COMMON STOCK 57636Q104 328 920 SH   SOLE 0 920 0 0
MASTERCARD INC CLASS A COMMON STOCK 57636Q104 18 50 SH   DFND 0 50 0 0
MCDONALDS CORP COMMON STOCK 580135101 3,831 17,094 SH   SOLE 0 17,094 0 0
MCDONALDS CORP COMMON STOCK 580135101 475 2,118 SH   DFND 0 2,118 0 0
MCKESSON CORP COMMON STOCK 58155Q103 52 266 SH   SOLE 0 266 0 0
MCKESSON CORP COMMON STOCK 58155Q103 683 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 8,219 106,611 SH   SOLE 0 106,611 0 0
MERCK & COMPANY INC COMMON STOCK 58933Y105 1,388 18,002 SH   DFND 0 18,002 0 0
METLIFE INC COMMON STOCK 59156R108 12 200 SH   SOLE 0 200 0 0
METTLER-TOLEDO INTL COMMON STOCK 592688105 1,156 1,000 SH   DFND 0 1,000 0 0
MICROSOFT CORP COMMON STOCK 594918104 15,820 67,099 SH   SOLE 0 67,099 0 0
MICROSOFT CORP COMMON STOCK 594918104 2,553 10,830 SH   DFND 0 10,830 0 0
MODERNA INC COMMON STOCK 60770K107 26 200 SH   SOLE 0 200 0 0
MOLINA HEALTHCARE INC COMMON STOCK 60855R100 12 50 SH   SOLE 0 50 0 0
MONDELEZ INTL INC CL A COMMON STOCK 609207105 390 6,659 SH   SOLE 0 6,659 0 0
MONDELEZ INTL INC CL A COMMON STOCK 609207105 268 4,575 SH   DFND 0 4,575 0 0
MORGAN STANLEY EMER MKTS DEBCOM MUTUAL FUNDS INTL FIXED INCOME 61744H105 9 1,000 SH   SOLE 0 1,000 0 0
MORGAN STANLEY COMMON STOCK 617446448 512 6,597 SH   SOLE 0 6,597 0 0
NBT BANCORP INC COMMON STOCK 628778102 937 23,497 SH   SOLE 0 23,497 0 0
NBT BANCORP INC COMMON STOCK 628778102 1,290 32,328 SH   DFND 0 32,328 0 0
NATIONAL FUEL GAS COMPANY COMMON STOCK 636180101 35 700 SH   SOLE 0 700 0 0
NATIONAL FUEL GAS COMPANY COMMON STOCK 636180101 163 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 13 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 7 50 SH   SOLE 0 50 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 2,655 35,109 SH   SOLE 0 35,109 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 1,376 18,205 SH   DFND 0 18,205 0 0
NIKE INC CLASS B COMMON STOCK 654106103 3,445 25,921 SH   SOLE 0 25,921 0 0
NIKE INC CLASS B COMMON STOCK 654106103 231 1,741 SH   DFND 0 1,741 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 2,205 8,213 SH   SOLE 0 8,213 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 322 1,200 SH   DFND 0 1,200 0 0
NORTHROP GRUMMAN CORP COMMON STOCK 666807102 76 235 SH   SOLE 0 235 0 0
NORTHROP GRUMMAN CORP COMMON STOCK 666807102 65 200 SH   DFND 0 200 0 0
NORWOOD FINANCIAL CORP COMMON STOCK 669549107 287 10,767 SH   SOLE 0 10,767 0 0
NOVARTIS AG ADR FOREIGN EQUITIES 66987V109 395 4,616 SH   SOLE 0 4,616 0 0
NOVARTIS AG ADR FOREIGN EQUITIES 66987V109 290 3,390 SH   DFND 0 3,390 0 0
NUCOR CORP COMMON STOCK 670346105 3,846 47,916 SH   SOLE 0 47,916 0 0
NUCOR CORP COMMON STOCK 670346105 680 8,467 SH   DFND 0 8,467 0 0
NUVEEN AMT FREE QLTY MUN INC CLOSED END MUTUAL FUNDS 670657105 26 1,750 SH   SOLE 0 1,750 0 0
NVIDIA CORPORATION COMMON STOCK 67066G104 152 285 SH   SOLE 0 285 0 0
NUVEEN QUALITY MUNICIPAL INCOME FUND CLOSED END MUTUAL FUNDS 67066V101 12 800 SH   SOLE 0 800 0 0
NUVEEN AMT FREE MUNI CR INC CLOSED END MUTUAL FUNDS 67071L106 51 3,000 SH   SOLE 0 3,000 0 0
OKTA INC CL A COMMON STOCK 679295105 44 200 SH   DFND 0 200 0 0
OMNICOM GROUP INC COMMON STOCK 681919106 2,832 38,199 SH   SOLE 0 38,199 0 0
OMNICOM GROUP INC COMMON STOCK 681919106 166 2,245 SH   DFND 0 2,245 0 0
OMEGA HEALTHCARE INV INC COMMON STOCK 681936100 30 813 SH   SOLE 0 813 0 0
ONEOK INC COMMON STOCK 682680103 20 394 SH   SOLE 0 394 0 0
ORACLE CORP COMMON STOCK 68389X105 789 11,239 SH   SOLE 0 11,239 0 0
ORACLE CORP COMMON STOCK 68389X105 10 140 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 176 2,566 SH   SOLE 0 2,566 0 0
OTIS WORLDWIDE CORP COMMON STOCK 68902V107 96 1,404 SH   DFND 0 1,404 0 0
PNC FINL SVCS GROUP INC COMMON STOCK 693475105 2,563 14,612 SH   SOLE 0 14,612 0 0
PNC FINL SVCS GROUP INC COMMON STOCK 693475105 10 55 SH   DFND 0 55 0 0
PPG INDUSTRIES INC COMMON STOCK 693506107 395 2,627 SH   SOLE 0 2,627 0 0
PPG INDUSTRIES INC COMMON STOCK 693506107 36 240 SH   DFND 0 240 0 0
PPL CORP COMMON STOCK 69351T106 1,442 49,990 SH   SOLE 0 49,990 0 0
PPL CORP COMMON STOCK 69351T106 115 4,000 SH   DFND 0 4,000 0 0
PACER BENCHMARK DATA&INFRAS RE SECTOR ETF ETF/EQUITY 69374H741 2,786 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 1,784 45,920 SH   SOLE 0 45,845 0 75
PACER BNCHMRK INDSTR RE SCTR ETF/EQUITY 69374H766 2 40 SH   DFND 0 40 0 0
PALO ALTO NETWORKS INC COMMON STOCK 697435105 39 120 SH   SOLE 0 120 0 0
PAVMED INC COMMON STOCK 70387R106 22 5,000 SH   DFND 0 5,000 0 0
PAYCOM SOFTWARE INC COMMON STOCK 70432V102 74 200 SH   DFND 0 200 0 0
PAYCHEX INC COMMON STOCK 704326107 49 500 SH   SOLE 0 500 0 0
PAYCHEX INC COMMON STOCK 704326107 66 675 SH   DFND 0 675 0 0
PEOPLES FINL SVCS CORP COMMON STOCK 711040105 51 1,218 SH   SOLE 0 1,218 0 0
PEOPLES UNITED FINANCIAL INC COMMON STOCK 712704105 63 3,500 SH   SOLE 0 3,500 0 0
PEOPLES UNITED FINANCIAL INC COMMON STOCK 712704105 27 1,500 SH   DFND 0 1,500 0 0
PEPSICO INC COMMON STOCK 713448108 7,514 53,125 SH   SOLE 0 53,125 0 0
PEPSICO INC COMMON STOCK 713448108 1,689 11,940 SH   DFND 0 11,940 0 0
PFIZER INC COMMON STOCK 717081103 5,157 142,373 SH   SOLE 0 142,373 0 0
PFIZER INC COMMON STOCK 717081103 1,207 33,334 SH   DFND 0 33,334 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109 486 5,475 SH   SOLE 0 5,475 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109 82 929 SH   DFND 0 929 0 0
PHILLIPS 66 COMMON STOCK 718546104 936 11,475 SH   SOLE 0 11,475 0 0
PHILLIPS 66 COMMON STOCK 718546104 130 1,600 SH   DFND 0 1,600 0 0
PIMCO ENHANCED LOW DURATION ETF/FIXED INCOME 72201R718 2,039 20,000 SH   SOLE 0 20,000 0 0
PIMCO ENHANCED SHORT MATURE ACTIVE ETF ETF/FIXED INCOME 72201R833 1,600 15,698 SH   SOLE 0 15,492 0 206
PINNACLE WEST CPTL CORP COMMON STOCK 723484101 193 2,375 SH   SOLE 0 2,375 0 0
PLAINS ALL AMERICAN PIPELINE COMMON STOCK 726503105 27 3,000 SH   DFND 0 3,000 0 0
POLARIS INDUSTRIES INC COMMON STOCK 731068102 13 100 SH   SOLE 0 100 0 0
PRINCIPAL SPECTRUM PFD SEC ETF/EQUITY 74255Y888 2,460 120,780 SH   SOLE 0 120,780 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 7,547 55,728 SH   SOLE 0 55,728 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 1,062 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 31 337 SH   DFND 0 337 0 0
PUBLIC SVC ENTERPRISE GROUP COMMON STOCK 744573106 4,669 77,559 SH   SOLE 0 77,559 0 0
PUBLIC SVC ENTERPRISE GROUP COMMON STOCK 744573106 1,161 19,287 SH   DFND 0 19,287 0 0
PULTE GROUP INC COMMON STOCK 745867101 11 210 SH   DFND 0 210 0 0
QUALCOMM INC COMMON STOCK 747525103 1,833 13,821 SH   SOLE 0 13,821 0 0
QUALCOMM INC COMMON STOCK 747525103 358 2,700 SH   DFND 0 2,700 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 2,151 27,834 SH   SOLE 0 27,834 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 543 7,022 SH   DFND 0 7,022 0 0
REALTY INCOME CORP COMMON STOCK 756109104 18 284 SH   SOLE 0 284 0 0
REGULUS THERAPEUTICS INC COMMON STOCK 75915K200 11 6,900 SH   SOLE 0 6,900 0 0
REPUBLIC SERVICES INC COMMON STOCK 760759100 10 100 SH   SOLE 0 100 0 0
RIBBONS COMMUNICATIONS INC COMMON STOCK 762544104 11 1,400 SH   SOLE 0 1,400 0 0
RIO TINTO PLC ADR FOREIGN EQUITIES 767204100 245 3,150 SH   SOLE 0 3,150 0 0
RIO TINTO PLC ADR FOREIGN EQUITIES 767204100 42 535 SH   DFND 0 535 0 0
ROCKWELL AUTOMATION INC COMMON STOCK 773903109 584 2,200 SH   SOLE 0 2,200 0 0
ROCKWELL AUTOMATION INC COMMON STOCK 773903109 46 175 SH   DFND 0 175 0 0
ROPER INDS INC COMMON STOCK 776696106 282 700 SH   DFND 0 700 0 0
ROYAL BANK OF CANADA FOREIGN EQUITIES 780087102 1,306 14,165 SH   SOLE 0 14,165 0 0
ROYAL BANK OF CANADA FOREIGN EQUITIES 780087102 115 1,250 SH   DFND 0 1,250 0 0
ROYAL DUTCH SHELL PLC CL A FOREIGN EQUITIES 780259206 44 1,110 SH   SOLE 0 1,110 0 0
ROYAL DUTCH SHELL PLC CL A FOREIGN EQUITIES 780259206 29 750 SH   DFND 0 750 0 0
ROYAL GOLD INC COMMON STOCK 780287108 5 48 SH   DFND 0 48 0 0
S&P GLOBAL INC COMMON STOCK 78409V104 353 1,000 SH   DFND 0 1,000 0 0
SPDR S&P 500 ETF ETF/EQUITY 78462F103 7,779 19,629 SH   SOLE 0 19,629 0 0
SPDR S&P 500 ETF ETF/EQUITY 78462F103 767 1,936 SH   DFND 0 1,936 0 0
SPDR GOLD SHARES ETF/OTHER 78463V107 709 4,432 SH   SOLE 0 4,432 0 0
SPDR GOLD SHARES ETF/OTHER 78463V107 809 5,055 SH   DFND 0 5,055 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 3 50 SH   SOLE 0 50 0 0
SPDR INTERM CORP BOND ETF ETF/FIXED INCOME 78464A375 16 450 SH   DFND 0 450 0 0
SPDR PORTFOLIO S&P500 GROWTH ETF/EQUITY 78464A409 869 15,400 SH   SOLE 0 15,400 0 0
SPDR PORTFOLIO S&P 500 VALUE ETF/EQUITY 78464A508 925 24,420 SH   SOLE 0 24,420 0 0
SPDR INTERMEDIATE TREASURY ETF/FIXED INCOME 78464A672 206 6,425 SH   SOLE 0 6,425 0 0
SPDR S&P BIOTECH ETF ETF/EQUITY 78464A870 133 980 SH   SOLE 0 980 0 0
SPDR SERIES TRUST S&P HOMEBUILD ETF/EQUITY 78464A888 2,640 37,515 SH   SOLE 0 37,425 0 90
SPDR SERIES TRUST S&P HOMEBUILD ETF/EQUITY 78464A888 13 185 SH   DFND 0 185 0 0
SPDR BLACKSTONE/GSO SENIOR LOAN ETF ETF/FIXED INCOME 78467V608 2,680 58,587 SH   SOLE 0 58,399 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 5,676 117,750 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 6,952 14,604 SH   SOLE 16 14,588 16 0
SPDR S&P MIDCAP 400 ETF ETF/EQUITY 78467Y107 1,475 3,098 SH   DFND 0 3,098 0 0
SPDR BBB SHORT TERM HIGH YIELD BOND ETF ETF/FIXED INCOME 78468R408 63 2,300 SH   SOLE 0 2,300 0 0
SPDR BBB SHORT TERM HIGH YIELD BOND ETF ETF/FIXED INCOME 78468R408 8 300 SH   DFND 0 300 0 0
SPDR NUVEEN BBB MUNI BOND ETF ETF/FIXED INCOME 78468R721 32 625 SH   SOLE 0 625 0 0
SPDR PORTFOLIO SMALLCAP ETF ETF/EQUITY 78468R853 15 365 SH   SOLE 0 365 0 0
SPDR DOUBLELINE SHRT DUR ETF/FIXED INCOME 78470P200 18 360 SH   SOLE 0 360 0 0
SALESFORCE.COM INC COMMON STOCK 79466L302 96 454 SH   SOLE 0 454 0 0
SCHLUMBERGER LTD FOREIGN EQUITIES 806857108 108 3,968 SH   SOLE 0 3,968 0 0
SCHLUMBERGER LTD FOREIGN EQUITIES 806857108 72 2,650 SH   DFND 0 2,650 0 0
SCHWAB US SMALL CAP ETF ETF/EQUITY 808524607 3,913 39,258 SH   SOLE 75 39,183 75 0
SCHWAB US SMALL CAP ETF ETF/EQUITY 808524607 192 1,927 SH   DFND 0 1,927 0 0
SCHWAB US DIVIDEND EQUITY ETF ETF/EQUITY 808524797 32 433 SH   SOLE 0 433 0 0
SCHWAB US AGGREGATE BOND ETF ETF/FIXED INCOME 808524839 10 184 SH   SOLE 0 184 0 0
MATERIALS SELECT SECTOR SPDR ETF/EQUITY 81369Y100 237 3,012 SH   SOLE 0 3,012 0 0
MATERIALS SELECT SECTOR SPDR ETF/EQUITY 81369Y100 787 9,985 SH   DFND 0 9,985 0 0
HEALTH CARE SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y209 353 3,020 SH   SOLE 0 3,020 0 0
CONSUMER STAPLES SECTOR SPDR ETF/EQUITY 81369Y308 258 3,782 SH   SOLE 0 3,782 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 271 1,615 SH   SOLE 0 1,615 0 0
CONSUMER DISCRET SEL SECT SPDR ETF ETF/EQUITY 81369Y407 33 197 SH   DFND 0 197 0 0
ENERGY SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y506 1,532 31,234 SH   SOLE 0 31,234 0 0
ENERGY SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y506 121 2,475 SH   DFND 0 2,475 0 0
SPDR FINANCIAL SELECT SECTOR ETF/EQUITY 81369Y605 75 2,197 SH   SOLE 0 2,197 0 0
SPDR INDUSTRIALS (XLI) ETF/EQUITY 81369Y704 56 565 SH   SOLE 0 565 0 0
TECHNOLOGY SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y803 600 4,517 SH   SOLE 0 4,517 0 0
TECHNOLOGY SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y803 496 3,733 SH   DFND 0 3,733 0 0
SELECT SECTOR SPDR TR COMMUNICATION ETF/EQUITY 81369Y852 162 2,212 SH   SOLE 0 2,212 0 0
UTILITIES SELECT SECTOR SPDR ETF/EQUITY 81369Y886 305 4,770 SH   SOLE 0 4,770 0 0
UTILITIES SELECT SECTOR SPDR ETF/EQUITY 81369Y886 39 607 SH   DFND 0 607 0 0
SEMPRA ENERGY COMMON STOCK 816851109 632 4,766 SH   SOLE 0 4,766 0 0
SEMPRA ENERGY COMMON STOCK 816851109 180 1,360 SH   DFND 0 1,360 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 30 5,000 SH   DFND 0 5,000 0 0
SORRENTO THERAPEUTICS INC COMMON STOCK 83587F202 2 200 SH   DFND 0 200 0 0
SOUTHERN COMPANY COMMON STOCK 842587107 1,050 16,889 SH   SOLE 0 16,889 0 0
SOUTHERN COMPANY COMMON STOCK 842587107 240 3,857 SH   DFND 0 3,857 0 0
AEROSYSTEMS HLDGS INC CL A COMMON STOCK 848574109 15 300 SH   DFND 0 300 0 0
SPROTT PHYSICAL GOLD TRUST ETF/OTHER 85207H104 693 51,697 SH   SOLE 0 51,697 0 0
SPROTT PHYSICAL GOLD TRUST ETF/OTHER 85207H104 6 427 SH   DFND 0 427 0 0
STANLEY BLACK & DECKER INC COMMON STOCK 854502101 399 2,000 SH   DFND 0 2,000 0 0
STARBUCKS CORP COMMON STOCK 855244109 1,299 11,889 SH   SOLE 0 11,889 0 0
STARBUCKS CORP COMMON STOCK 855244109 46 420 SH   DFND 0 420 0 0
STATE STREET CORP COMMON STOCK 857477103 188 2,238 SH   SOLE 0 2,238 0 0
STATE STREET CORP COMMON STOCK 857477103 67 800 SH   DFND 0 800 0 0
STERICYCLE INC COMMON STOCK 858912108 162 2,400 SH   DFND 0 2,400 0 0
STRYKER CORP COMMON STOCK 863667101 1,701 6,985 SH   SOLE 0 6,985 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 45 301 SH   SOLE 0 301 0 0
SUNCOKE ENERGY INC COMMON STOCK 86722A103 2 218 SH   DFND 0 218 0 0
SUNCOR ENERGY INC FOREIGN EQUITIES 867224107 52 2,500 SH   DFND 0 2,500 0 0
SYSCO CORP COMMON STOCK 871829107 1,327 16,849 SH   SOLE 0 16,849 0 0
SYSCO CORP COMMON STOCK 871829107 800 10,165 SH   DFND 0 10,165 0 0
TJX COMPANIES COMMON STOCK 872540109 346 5,234 SH   SOLE 0 5,234 0 0
TJX COMPANIES COMMON STOCK 872540109 18 273 SH   DFND 0 273 0 0
TARGET CORP COMMON STOCK 87612E106 871 4,398 SH   SOLE 0 4,398 0 0
TARGET CORP COMMON STOCK 87612E106 23 117 SH   DFND 0 117 0 0
TC ENERGY CORP FOREIGN EQUITIES 87807B107 284 6,200 SH   SOLE 0 6,200 0 0
TELEDYNE TECHNOLOGIES INC COMMON STOCK 879360105 77 187 SH   DFND 0 187 0 0
TENARIS SA ADR FOREIGN EQUITIES 88031M109 23 1,000 SH   SOLE 0 1,000 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 5,621 29,745 SH   SOLE 0 29,745 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 568 3,005 SH   DFND 0 3,005 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 563 1,234 SH   SOLE 0 1,234 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 251 550 SH   DFND 0 550 0 0
THOMSON REUTERS CORP FOREIGN EQUITIES 884903709 131 1,500 SH   SOLE 0 1,500 0 0
3M COMPANY COMMON STOCK 88579Y101 6,115 31,736 SH   SOLE 0 31,736 0 0
3M COMPANY COMMON STOCK 88579Y101 703 3,648 SH   DFND 0 3,648 0 0
TOMPKINS FINANCIAL CORP COMMON STOCK 890110109 203 2,450 SH   SOLE 0 2,450 0 0
TOMPKINS FINANCIAL CORP COMMON STOCK 890110109 372 4,500 SH   DFND 0 4,500 0 0
TORONTO DOMINION BANK FOREIGN EQUITIES 891160509 835 12,813 SH   SOLE 0 12,813 0 0
TORONTO DOMINION BANK FOREIGN EQUITIES 891160509 54 825 SH   DFND 0 825 0 0
TOTAL SA ADR FOREIGN EQUITIES 89151E109 59 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 94 600 SH   DFND 0 600 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109 1,119 7,440 SH   SOLE 0 7,440 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109 41 275 SH   DFND 0 275 0 0
TRILLIUM THERAPEUTICS INC COMMON STOCK 89620X506 6 600 SH   DFND 0 600 0 0
TRUIST FINANCIAL CORP COMMON STOCK 89832Q109 2,019 34,622 SH   SOLE 0 34,622 0 0
TRUIST FINANCIAL CORP COMMON STOCK 89832Q109 181 3,100 SH   DFND 0 3,100 0 0
TRUSTCO BANK CORP NY COMMON STOCK 898349105 6 842 SH   DFND 0 842 0 0
TWITTER INC COMMON STOCK 90184L102 1 22 SH   DFND 0 22 0 0
II-VI INC COMMON STOCK 902104108 14 200 SH   DFND 0 200 0 0
US BANCORP COMMON STOCK 902973304 2,437 44,057 SH   SOLE 0 44,057 0 0
US BANCORP COMMON STOCK 902973304 563 10,172 SH   DFND 0 10,172 0 0
UNION PACIFIC CORP COMMON STOCK 907818108 994 4,511 SH   SOLE 0 4,511 0 0
UNION PACIFIC CORP COMMON STOCK 907818108 228 1,035 SH   DFND 0 1,035 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 4,254 25,027 SH   SOLE 0 25,027 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 320 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 2,504 6,729 SH   SOLE 0 6,729 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 474 1,275 SH   DFND 0 1,275 0 0
UNITI GROUP INC COMMON STOCK 91325V108 2 200 SH   DFND 0 200 0 0
VF CORP COMMON STOCK 918204108 833 10,424 SH   SOLE 0 10,424 0 0
VF CORP COMMON STOCK 918204108 31 392 SH   DFND 0 392 0 0
VBI VACCINES INC COMMON STOCK 91822J103 26 8,500 SH   SOLE 0 8,500 0 0
VALERO ENERGY CORP COMMON STOCK 91913Y100 21 300 SH   SOLE 0 300 0 0
VALLEY NATL BANCORP COMMON STOCK 919794107 211 15,356 SH   SOLE 0 15,356 0 0
VANECK VECTORS GOLD MINERS ETF ETF/INTERNATIONAL EQUITY 92189F106 190 5,835 SH   SOLE 0 5,785 0 50
VANECK VECTORS GOLD MINERS ETF ETF/INTERNATIONAL EQUITY 92189F106 651 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 CHINAAMC CHINA BOND ETF ETF/INTERNATIONAL FIXED INCOME 92189F379 14 600 SH   DFND 0 600 0 0
VANECK VECTORS HIGH YLD MUNI ETF/FIXED INCOME 92189H409 47 750 SH   SOLE 0 750 0 0
VANGUARD DIVIDEND APPRECIATION ETF ETF/EQUITY 921908844 1,337 9,089 SH   SOLE 0 9,089 0 0
VANGUARD DIVIDEND APPRECIATION ETF ETF/EQUITY 921908844 509 3,464 SH   DFND 0 3,464 0 0
VANGUARD TOTAL INTL STOCK ETF ETF/INTERNATIONAL EQUITY 921909768 198 3,162 SH   SOLE 0 3,162 0 0
VANGUARD MEGA CAP GROWTH ETF/EQUITY 921910816 18 85 SH   SOLE 0 85 0 0
VANGUARD INTERM-TERM BOND ETF ETF/FIXED INCOME 921937819 33 370 SH   SOLE 0 370 0 0
VANGUARD SHORT TERM BOND ETF ETF/FIXED INCOME 921937827 815 9,922 SH   SOLE 0 9,602 0 320
VANGUARD SHORT TERM BOND ETF ETF/FIXED INCOME 921937827 146 1,772 SH   DFND 0 1,772 0 0
VANGUARD TOTAL BOND MRKT ETF ETF/FIXED INCOME 921937835 1,101 12,992 SH   SOLE 125 12,867 125 0
VANGUARD TOTAL BOND MRKT ETF ETF/FIXED INCOME 921937835 131 1,552 SH   DFND 0 1,552 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF/INTERNATIONAL EQUITY 921943858 506 10,308 SH   SOLE 0 10,308 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF/INTERNATIONAL EQUITY 921943858 211 4,297 SH   DFND 0 4,297 0 0
VANGUARD HIGH DIVIDEND YIELD ETF/EQUITY 921946406 117 1,156 SH   SOLE 0 1,156 0 0
VANGUARD HIGH DIVIDEND YIELD ETF/EQUITY 921946406 35 350 SH   DFND 0 350 0 0
VANGUARD FINANCIALS ETF ETF/EQUITY 92204A405 652 7,715 SH   SOLE 0 7,715 0 0
VANGUARD FINANCIALS ETF ETF/EQUITY 92204A405 224 2,650 SH   DFND 0 2,650 0 0
VANGUARD HEALTH CARE ETF ETF/EQUITY 92204A504 19 81 SH   SOLE 0 81 0 0
VANGUARD HEALTH CARE ETF ETF/EQUITY 92204A504 70 306 SH   DFND 0 306 0 0
VANGUARD INDUSTRIALS ETF ETF/EQUITY 92204A603 833 4,400 SH   DFND 0 4,400 0 0
VANGUARD INFO TECH ETF ETF/EQUITY 92204A702 1,223 3,413 SH   SOLE 0 3,413 0 0
VANGUARD INFO TECH ETF ETF/EQUITY 92204A702 360 1,004 SH   DFND 0 1,004 0 0
VANGUARD UTILITIES ETF ETF/EQUITY 92204A876 96 680 SH   SOLE 0 680 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 922042858 3,156 60,651 SH   SOLE 65 60,586 65 0
VANGUARD FTSE EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 922042858 478 9,177 SH   DFND 0 9,177 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 2,533 30,708 SH   SOLE 65 30,643 65 0
VANGUARD SHORT TERM CORP BOND ETF ETF/FIXED INCOME 92206C409 711 8,614 SH   DFND 0 8,614 0 0
VANGUARD INTERM-TERM GOVT BDETF ETF/FIXED INCOME 92206C706 550 8,185 SH   SOLE 0 7,990 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 209 2,525 SH   SOLE 0 2,460 0 65
VANGUARD LONG TERM TREASURY ETF/FIXED INCOME 92206C847 6 75 SH   DFND 0 75 0 0
VANGUARD INTERM TERM CORP BDETF ETF/FIXED INCOME 92206C870 7,773 83,557 SH   SOLE 0 83,517 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 832 2,285 SH   SOLE 0 2,285 0 0
VANGUARD MIDCAP VALUE ETF ETF/EQUITY 922908512 30 225 SH   SOLE 0 225 0 0
VANGUARD MIDCAP VALUE ETF ETF/EQUITY 922908512 48 354 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 1,168 12,719 SH   SOLE 0 12,719 0 0
VANGUARD REIT ETF ETF/EQUITY 922908553 46 496 SH   DFND 0 496 0 0
VANGUARD SMALLCAP GROWTH ETF ETF/EQUITY 922908595 39 143 SH   SOLE 0 143 0 0
VANGUARD SMALLCAP VALUE ETF ETF/EQUITY 922908611 232 1,400 SH   SOLE 0 1,400 0 0
VANGUARD MIDCAP ETF ETF/EQUITY 922908629 161 729 SH   SOLE 0 729 0 0
VANGUARD INDEX FDS EXTEND MKT ETF-VXF ETF/EQUITY 922908652 30 167 SH   SOLE 0 167 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 54 210 SH   SOLE 0 210 0 0
VANGUARD GROWTH ETF ETF/EQUITY 922908736 93 360 SH   DFND 0 360 0 0
VANGUARD SMALLCAP ETF ETF/EQUITY 922908751 286 1,338 SH   SOLE 0 1,338 0 0
VANGUARD SMALLCAP ETF ETF/EQUITY 922908751 11 50 SH   DFND 0 50 0 0
VANGUARD TOTAL STOCK MARKET ETF ETF/EQUITY 922908769 13,222 63,969 SH   DFND 0 63,969 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 8,706 149,710 SH   SOLE 0 149,710 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 2,176 37,413 SH   DFND 0 37,413 0 0
VIATRIS INC COMMON STOCK 92556V106 198 14,192 SH   SOLE 0 14,192 0 0
VIATRIS INC COMMON STOCK 92556V106 50 3,560 SH   DFND 0 3,560 0 0
VISA INC CLASS A COMMON STOCK 92826C839 1,862 8,795 SH   SOLE 0 8,795 0 0
VISA INC CLASS A COMMON STOCK 92826C839 74 349 SH   DFND 0 349 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 4,569 33,638 SH   SOLE 0 33,638 0 0
WAL MART STORES INC COMMON STOCK 931142103 1,048 7,716 SH   DFND 0 7,716 0 0
WALGREENS BOOTS ALLIANCE INC COMMON STOCK 931427108 21 390 SH   SOLE 0 390 0 0
WALGREENS BOOTS ALLIANCE INC COMMON STOCK 931427108 68 1,235 SH   DFND 0 1,235 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109 251 1,947 SH   SOLE 0 1,947 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109 77 600 SH   DFND 0 600 0 0
WELLTOWER INC COMMON STOCK 95040Q104 14 200 SH   DFND 0 200 0 0
WEYERHAEUSER CO COMMON STOCK 962166104 57 1,600 SH   SOLE 0 1,600 0 0
WISDOMTREE US HIGH DIVIDEND ETF ETF/EQUITY 97717W208 1,318 17,280 SH   SOLE 0 17,280 0 0
WISDOMTREE US HIGH DIVIDEND ETF ETF/EQUITY 97717W208 46 600 SH   DFND 0 600 0 0
WISDOMTREE SMALLCAP DIVIDEND ETF/EQUITY 97717W604 28 900 SH   DFND 0 900 0 0
SPDR GOLD MINISHARES ETF/OTHER 98149E204 152 8,960 SH   SOLE 0 8,960 0 0
XYLEM INC COMMON STOCK 98419M100 10 98 SH   SOLE 0 98 0 0
XEROX HOLDINGS CORP COMMON STOCK 98421M106 6 250 SH   SOLE 0 250 0 0
ZEBRA TECHNOLOGIES CORP CL A COMMON STOCK 989207105 97 200 SH   DFND 0 200 0 0
ZIMMER HOLDINGS INC COMMON STOCK 98956P102 640 4,000 SH   DFND 0 4,000 0 0