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 44 331 SH   SOLE 0 331 0 0
AMCOR PLC FOREIGN EQUITIES G0250X107 1,877 161,929 SH   SOLE 0 161,929 0 0
AMCOR PLC FOREIGN EQUITIES G0250X107 200 17,230 SH   DFND 0 17,230 0 0
EATON CORP PLC FOREIGN EQUITIES G29183103 30 200 SH   SOLE 0 200 0 0
EATON CORP PLC FOREIGN EQUITIES G29183103 276 1,848 SH   DFND 0 1,848 0 0
LINDE PLC FOREIGN EQUITIES G5494J103 49 166 SH   SOLE 0 166 0 0
MEDTRONIC PLC FOREIGN EQUITIES G5960L103 617 4,921 SH   SOLE 0 4,921 0 0
MEDTRONIC PLC FOREIGN EQUITIES G5960L103 43 340 SH   DFND 0 340 0 0
TRANE TECHNOLOGIES PLC FOREIGN EQUITIES G8994E103 214 1,242 SH   SOLE 0 1,242 0 0
WHITE MTNS INS GROUP LTD COMMON STOCK G9618E107 107 100 SH   DFND 0 100 0 0
CHUBB LTD FOREIGN EQUITIES H1467J104 1,746 10,067 SH   SOLE 0 10,067 0 0
CHUBB LTD FOREIGN EQUITIES H1467J104 253 1,458 SH   DFND 0 1,458 0 0
UBS GROUP AG FOREIGN EQUITIES H42097107 16 1,000 SH   DFND 0 1,000 0 0
ABB LTD ADR FOREIGN EQUITIES 000375204 20 600 SH   SOLE 0 600 0 0
AFLAC INC COMMON STOCK 001055102 69 1,323 SH   SOLE 0 1,323 0 0
AGCO CORP COMMON STOCK 001084102 12 100 SH   DFND 0 100 0 0
AT&T INC COMMON STOCK 00206R102 4,952 183,418 SH   SOLE 0 183,418 0 0
AT&T INC COMMON STOCK 00206R102 1,136 42,075 SH   DFND 0 42,075 0 0
ARK FINTECH INNOVATION ETF ETF/EQUITY 00214Q708 2 40 SH   DFND 0 40 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100 4,769 40,374 SH   SOLE 0 40,374 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100 790 6,685 SH   DFND 0 6,685 0 0
ABBVIE INC COMMON STOCK 00287Y109 5,766 53,452 SH   SOLE 0 53,452 0 0
ABBVIE INC COMMON STOCK 00287Y109 937 8,684 SH   DFND 0 8,684 0 0
ADOBE INC COMMON STOCK 00724F101 642 1,115 SH   SOLE 0 1,115 0 0
AGILENT TECHNOLOGIES INC COMMON STOCK 00846U101 12 76 SH   DFND 0 76 0 0
AGENUS INC COMMON STOCK 00847G705 2 300 SH   SOLE 0 300 0 0
AGEX THERAPEUTICS INC COMMON STOCK 00848H108 0 50 SH   SOLE 0 50 0 0
AIM IMMUNOTECH INC COMMON STOCK 00901B105 27 13,226 SH   SOLE 0 13,226 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 776 3,029 SH   SOLE 0 3,029 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 325 1,270 SH   DFND 0 1,270 0 0
ALBEMARLE CORP COMMON STOCK 012653101 1,473 6,725 SH   SOLE 0 6,725 0 0
ALBEMARLE CORP COMMON STOCK 012653101 613 2,800 SH   DFND 0 2,800 0 0
ALIBABA GROUP HOLDINGS LMTD FOREIGN EQUITIES 01609W102 30 200 SH   SOLE 0 200 0 0
THE ALLSTATE CORPORATION COMMON STOCK 020002101 38 300 SH   SOLE 0 300 0 0
THE ALLSTATE CORPORATION COMMON STOCK 020002101 22 175 SH   DFND 0 175 0 0
ALPHABET INC CLASS C COMMON STOCK 02079K107 874 328 SH   SOLE 0 328 0 0
ALPHABET INC CLASS C COMMON STOCK 02079K107 328 123 SH   DFND 0 123 0 0
ALPHABET INC CLASS A COMMON STOCK 02079K305 3,438 1,286 SH   SOLE 0 1,286 0 0
ALPHABET INC CLASS A COMMON STOCK 02079K305 620 232 SH   DFND 0 232 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 136 2,987 SH   SOLE 0 2,987 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 99 2,179 SH   DFND 0 2,179 0 0
AMAZON.COM INC COMMON STOCK 023135106 2,960 901 SH   SOLE 0 901 0 0
AMAZON.COM INC COMMON STOCK 023135106 476 145 SH   DFND 0 145 0 0
AMEREN CORPORATION COMMON STOCK 023608102 202 2,498 SH   SOLE 0 2,498 0 0
AMERICAN ELECTRIC POWER CO COMMON STOCK 025537101 1,012 12,462 SH   SOLE 0 12,462 0 0
AMERICAN ELECTRIC POWER CO COMMON STOCK 025537101 183 2,250 SH   DFND 0 2,250 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 1,415 8,446 SH   SOLE 0 8,446 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 32 192 SH   DFND 0 192 0 0
AMERICAN TOWER CORP COMMON STOCK 03027X100 482 1,815 SH   SOLE 0 1,815 0 0
AMERICAN TOWER CORP COMMON STOCK 03027X100 1,327 5,000 SH   DFND 0 5,000 0 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103 338 2,000 SH   DFND 0 2,000 0 0
AMETEK INC COMMON STOCK 031100100 868 7,000 SH   DFND 0 7,000 0 0
AMGEN INC COMMON STOCK 031162100 2,471 11,621 SH   SOLE 0 11,621 0 0
AMGEN INC COMMON STOCK 031162100 705 3,316 SH   DFND 0 3,316 0 0
AMNEAL PHARMACEUTICALS INC CL A COMMON STOCK 03168L105 1 200 SH   SOLE 0 200 0 0
ANALOG DEVICES INC COMMON STOCK 032654105 220 1,316 SH   SOLE 0 1,316 0 0
ANTHEM INC COMMON STOCK 036752103 719 1,930 SH   SOLE 0 1,930 0 0
APPLE INC COMMON STOCK 037833100 59,212 418,457 SH   SOLE 0 418,457 0 0
APPLE INC COMMON STOCK 037833100 981 6,930 SH   DFND 0 6,930 0 0
ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102 54 900 SH   SOLE 0 900 0 0
ARROW FINANCIAL CORPORATION COMMON STOCK 042744102 127 3,699 SH   SOLE 0 3,699 0 0
ATOSSA THERAPEUTICS INC COMMON STOCK 04962H506 5 1,475 SH   SOLE 0 1,475 0 0
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 2,753 13,769 SH   SOLE 0 13,769 0 0
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 484 2,419 SH   DFND 0 2,419 0 0
BCE INC FOREIGN EQUITIES 05534B760 153 3,060 SH   SOLE 0 3,060 0 0
BCE INC FOREIGN EQUITIES 05534B760 17 340 SH   DFND 0 340 0 0
BP PLC ADR FOREIGN EQUITIES 055622104 52 1,910 SH   DFND 0 1,910 0 0
BANK OF AMERICA CORPORATION COMMON STOCK 060505104 1,084 25,534 SH   SOLE 0 25,534 0 0
BANK OF AMERICA CORPORATION COMMON STOCK 060505104 336 7,921 SH   DFND 0 7,921 0 0
BANK OF MONTREAL FOREIGN EQUITIES 063671101 15 150 SH   SOLE 0 150 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 133 2,564 SH   SOLE 0 2,564 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 18 353 SH   DFND 0 353 0 0
BANK OF NOVA SCOTIA FOREIGN EQUITIES 064149107 12 200 SH   SOLE 0 200 0 0
BARRICK GOLD CORPORATION FOREIGN EQUITIES 067901108 11 600 SH   SOLE 0 600 0 0
BARRICK GOLD CORPORATION FOREIGN EQUITIES 067901108 7 415 SH   DFND 0 415 0 0
BAXTER INTERNATIONAL INC COMMON STOCK 071813109 1,001 12,450 SH   SOLE 0 12,450 0 0
BAXTER INTERNATIONAL INC COMMON STOCK 071813109 20 250 SH   DFND 0 250 0 0
BECTON DICKINSON AND COMPANY COMMON STOCK 075887109 1,069 4,350 SH   SOLE 0 4,350 0 0
BECTON DICKINSON AND COMPANY COMMON STOCK 075887109 246 1,000 SH   DFND 0 1,000 0 0
BERKSHIRE HATHAWAY INC B COMMON STOCK 084670702 218 800 SH   SOLE 0 800 0 0
BERKSHIRE HILLS BANCORP INC COMMON STOCK 084680107 7 264 SH   DFND 0 264 0 0
BHP GROUP LTD ADR FOREIGN EQUITIES 088606108 371 6,925 SH   SOLE 0 6,925 0 0
BHP GROUP LTD ADR FOREIGN EQUITIES 088606108 118 2,200 SH   DFND 0 2,200 0 0
BIOGEN INC COMMON STOCK 09062X103 226 800 SH   DFND 0 800 0 0
BIONTECH SE ADR FOREIGN EQUITIES 09075V102 41 150 SH   SOLE 0 150 0 0
BIONTECH SE ADR FOREIGN EQUITIES 09075V102 55 200 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 78 12,758 SH   SOLE 0 12,758 0 0
BLACKROCK INC COMMON STOCK 09247X101 570 680 SH   SOLE 0 680 0 0
BLACKROCK INC COMMON STOCK 09247X101 25 30 SH   DFND 0 30 0 0
BLACKROCK ENHANCED EQT DIV ETF/EQUITY 09251A104 56 5,703 SH   DFND 0 5,703 0 0
BLACKSTONE GROUP INC COMMON STOCK 09260D107 12 100 SH   SOLE 0 100 0 0
BLACKSTONE GROUP INC COMMON STOCK 09260D107 12 100 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 438 1,993 SH   SOLE 0 1,993 0 0
BOEING COMPANY COMMON STOCK 097023105 22 100 SH   DFND 0 100 0 0
BORGWARNER INC COMMON STOCK 099724106 16 375 SH   SOLE 0 375 0 0
BORGWARNER INC COMMON STOCK 099724106 4 100 SH   DFND 0 100 0 0
BOX INC CL A COMMON STOCK 10316T104 5 200 SH   SOLE 0 200 0 0
BRISTOL MYERS SQUIBB COMPANY COMMON STOCK 110122108 4,576 77,345 SH   SOLE 0 77,345 0 0
BRISTOL MYERS SQUIBB COMPANY COMMON STOCK 110122108 8,030 135,719 SH   DFND 0 135,719 0 0
BROADCOM INC COMMON STOCK 11135F101 129 265 SH   SOLE 0 265 0 0
BROADCOM INC COMMON STOCK 11135F101 10 20 SH   DFND 0 20 0 0
BROOKFIELD ASSET MGMT INC CLASS A FOREIGN EQUITIES 112585104 82 1,528 SH   DFND 0 1,528 0 0
C H ROBINSON WORLDWIDE INC COMMON STOCK 12541W209 593 6,812 SH   SOLE 0 6,812 0 0
C H ROBINSON WORLDWIDE INC COMMON STOCK 12541W209 26 300 SH   DFND 0 300 0 0
CIGNA CORP COMMON STOCK 125523100 121 607 SH   SOLE 0 607 0 0
CIGNA CORP COMMON STOCK 125523100 195 973 SH   DFND 0 973 0 0
CSX CORP COMMON STOCK 126408103 18 618 SH   SOLE 0 618 0 0
CSX CORP COMMON STOCK 126408103 1,774 59,680 SH   DFND 0 59,680 0 0
CVS HEALTH CORP COMMON STOCK 126650100 3,202 37,736 SH   SOLE 0 37,736 0 0
CVS HEALTH CORP COMMON STOCK 126650100 684 8,055 SH   DFND 0 8,055 0 0
CANADIAN PACIFIC RAILWAY LTD FOREIGN EQUITIES 13645T100 416 6,400 SH   SOLE 0 6,400 0 0
CARDINAL HEALTH INC COMMON STOCK 14149Y108 6 114 SH   SOLE 0 114 0 0
CARRIER GLOBAL CORPORATION COMMON STOCK 14448C104 239 4,619 SH   SOLE 0 4,619 0 0
CARRIER GLOBAL CORPORATION COMMON STOCK 14448C104 134 2,585 SH   DFND 0 2,585 0 0
CATERPILLAR INC COMMON STOCK 149123101 3,492 18,188 SH   SOLE 0 18,188 0 0
CATERPILLAR INC COMMON STOCK 149123101 464 2,417 SH   DFND 0 2,417 0 0
CEL SCI CORP COMMON STOCK 150837607 5 500 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 3,204 31,578 SH   SOLE 0 31,578 0 0
CHEVRON CORP COMMON STOCK 166764100 697 6,866 SH   DFND 0 6,866 0 0
CHURCH & DWIGHT CO INC COMMON STOCK 171340102 165 2,000 SH   DFND 0 2,000 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 8,196 150,587 SH   SOLE 0 150,587 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 1,754 32,227 SH   DFND 0 32,227 0 0
CITIGROUP INC COMMON STOCK 172967424 4 63 SH   SOLE 0 63 0 0
CITIGROUP INC COMMON STOCK 172967424 7 100 SH   DFND 0 100 0 0
CLEANSPARK INC COMMON STOCK 18452B209 12 1,072 SH   SOLE 0 1,072 0 0
COCA COLA COMPANY COMMON STOCK 191216100 7,695 146,659 SH   SOLE 0 146,659 0 0
COCA COLA COMPANY COMMON STOCK 191216100 901 17,181 SH   DFND 0 17,181 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 1,104 14,613 SH   SOLE 0 14,613 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 516 6,826 SH   DFND 0 6,826 0 0
COMCAST CORP CLASS A COMMON STOCK 20030N101 3,720 66,513 SH   SOLE 0 66,513 0 0
COMCAST CORP CLASS A COMMON STOCK 20030N101 274 4,902 SH   DFND 0 4,902 0 0
COMMUNITY BK SYS INC COMMON STOCK 203607106 78 1,142 SH   SOLE 0 1,242 0 0
COMMUNITY BK SYS INC COMMON STOCK 203607106 9,231 134,913 SH   DFND 0 134,913 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 872 12,872 SH   SOLE 0 12,872 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 217 3,206 SH   DFND 0 3,206 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 240 3,310 SH   SOLE 0 3,310 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 77 1,055 SH   DFND 0 1,055 0 0
CONSTELLATION BRANDS INC CLASS A COMMON STOCK 21036P108 300 1,425 SH   SOLE 0 1,425 0 0
CONSTELLATION BRANDS INC CLASS A COMMON STOCK 21036P108 211 1,000 SH   DFND 0 1,000 0 0
COOPER COMPANIES INC COMMON STOCK 216648402 124 300 SH   DFND 0 300 0 0
CORNING INC COMMON STOCK 219350105 1,047 28,696 SH   SOLE 0 28,696 0 0
CORNING INC COMMON STOCK 219350105 79 2,175 SH   DFND 0 2,175 0 0
CORTEVA INC COMMON STOCK 22052L104 229 5,446 SH   SOLE 0 5,446 0 0
CORTEVA INC COMMON STOCK 22052L104 41 974 SH   DFND 0 974 0 0
COSTCO COMMON STOCK 22160K105 106 236 SH   SOLE 0 236 0 0
CUMMINS INC COMMON STOCK 231021106 2,164 9,638 SH   SOLE 0 9,638 0 0
CUMMINS INC COMMON STOCK 231021106 514 2,290 SH   DFND 0 2,290 0 0
CURIOSITYSTREAM INC CL A COMMON STOCK 23130Q107 12 1,109 SH   SOLE 0 1,109 0 0
DANAHER CORP COMMON STOCK 235851102 145 475 SH   SOLE 0 475 0 0
DARDEN RESTAURANTS INC COMMON STOCK 237194105 8 50 SH   SOLE 0 50 0 0
DEERE & COMPANY COMMON STOCK 244199105 34 100 SH   SOLE 0 100 0 0
DEERE & COMPANY COMMON STOCK 244199105 34 100 SH   DFND 0 100 0 0
DIGI INTL INC COMMON STOCK 253798102 8 400 SH   DFND 0 400 0 0
DIME CMNTY BANCSHARES INC COMMON STOCK 25432X102 7 200 SH   SOLE 0 200 0 0
WALT DISNEY CO COMMON STOCK 254687106 4,209 24,881 SH   SOLE 0 24,881 0 0
WALT DISNEY CO COMMON STOCK 254687106 360 2,128 SH   DFND 0 2,128 0 0
DISCOVER FINANCIAL SERVICES COMMON STOCK 254709108 25 200 SH   SOLE 0 200 0 0
DOLLAR GENERAL CORP COMMON STOCK 256677105 468 2,205 SH   SOLE 0 2,205 0 0
DOLLAR GENERAL CORP COMMON STOCK 256677105 74 350 SH   DFND 0 350 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109 3,256 44,597 SH   SOLE 0 44,597 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109 1,050 14,377 SH   DFND 0 14,377 0 0
DORCHESTER MINERALS LP COMMON STOCK 25820R105 1,091 56,922 SH   SOLE 0 56,922 0 0
DOW INC COMMON STOCK 260557103 3,057 53,119 SH   SOLE 0 53,119 0 0
DOW INC COMMON STOCK 260557103 204 3,545 SH   DFND 0 3,545 0 0
DRAFTKINGS INC CL A COMMON STOCK 26142R104 10 200 SH   SOLE 0 200 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204 501 5,136 SH   SOLE 0 5,136 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204 66 675 SH   DFND 0 675 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102 2,447 35,988 SH   SOLE 0 35,988 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102 164 2,410 SH   DFND 0 2,410 0 0
EOG RESOURCES INC COMMON STOCK 26875P101 178 2,220 SH   SOLE 0 2,220 0 0
EOG RESOURCES INC COMMON STOCK 26875P101 4 50 SH   DFND 0 50 0 0
THE HOYA CAPITAL HOUSING ETF ETF/EQUITY 26922A230 2 62 SH   DFND 0 62 0 0
ETFMG PRIME MOBILE PAYMENTS ETF/EQUITY 26924G409 1,546 22,845 SH   SOLE 0 22,800 0 45
ETFMG PRIME MOBILE PAYMENTS ETF/EQUITY 26924G409 8 120 SH   DFND 0 120 0 0
EASTMAN CHEMICAL CO COMMON STOCK 277432100 282 2,800 SH   SOLE 0 2,800 0 0
ECOLAB INC COMMON STOCK 278865100 184 884 SH   SOLE 0 884 0 0
ECOLAB INC COMMON STOCK 278865100 156 750 SH   DFND 0 750 0 0
EDISON INTL COMMON STOCK 281020107 160 2,887 SH   DFND 0 2,887 0 0
EMERSON ELECTRIC CO COMMON STOCK 291011104 4,725 50,161 SH   SOLE 0 50,161 0 0
EMERSON ELECTRIC CO COMMON STOCK 291011104 427 4,536 SH   DFND 0 4,536 0 0
ENBRIDGE INC FOREIGN EQUITIES 29250N105 125 3,148 SH   DFND 0 3,148 0 0
ENERGY TRANSFER EQUITY LP COMMON STOCK 29273V100 10 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 1,014 4,000 SH   DFND 0 4,000 0 0
ERICSSON L M TEL CO ADR B SEK 10 FOREIGN EQUITIES 294821608 18 1,640 SH   SOLE 0 1,640 0 0
ESSENTIAL UTILITIES INC COMMON STOCK 29670G102 506 10,974 SH   SOLE 0 10,974 0 0
ESSENTIAL UTILITIES INC COMMON STOCK 29670G102 56 1,225 SH   DFND 0 1,225 0 0
EXELON CORP COMMON STOCK 30161N101 1,055 21,827 SH   SOLE 0 21,827 0 0
EXELON CORP COMMON STOCK 30161N101 374 7,730 SH   DFND 0 7,730 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102 2,926 49,746 SH   SOLE 0 49,746 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102 952 16,196 SH   DFND 0 16,196 0 0
FS KKR CAPITAL CORP COMMON STOCK 302635206 14 621 SH   SOLE 0 621 0 0
FACEBOOK INC CLASS A COMMON STOCK 30303M102 92 270 SH   SOLE 0 270 0 0
FACEBOOK INC CLASS A COMMON STOCK 30303M102 132 390 SH   DFND 0 390 0 0
FASTENAL CO COMMON STOCK 311900104 420 8,130 SH   SOLE 0 8,130 0 0
FASTENAL CO COMMON STOCK 311900104 320 6,200 SH   DFND 0 6,200 0 0
FEDEX CORP COMMON STOCK 31428X106 375 1,710 SH   SOLE 0 1,710 0 0
FEDEX CORP COMMON STOCK 31428X106 41 185 SH   DFND 0 185 0 0
FIDELITY NATL INFORMATION SV COMMON STOCK 31620M106 365 3,000 SH   DFND 0 3,000 0 0
FIFTH THIRD BANCORP COMMON STOCK 316773100 28 655 SH   DFND 0 655 0 0
FIRST SOLAR, INC. COMMON STOCK 336433107 477 5,000 SH   DFND 0 5,000 0 0
FIRST TRUST NASDAQ CLN EDGE ETF/EQUITY 33733E500 1 15 SH   DFND 0 15 0 0
FIRST TR NASDAQ CYB SEC ETF ETF/EQUITY 33734X846 2 32 SH   DFND 0 32 0 0
FLEXSHARES GLOBAL UPSTREAM NATURAL RESOURCES ETF/INTERNATIONAL EQUITY 33939L407 1,202 32,850 SH   SOLE 0 32,850 0 0
FLEXSHARES GLOBAL UPSTREAM NATURAL RESOURCES ETF/INTERNATIONAL EQUITY 33939L407 44 1,200 SH   DFND 0 1,200 0 0
FORD MOTOR COMPANY COMMON STOCK 345370860 3 200 SH   SOLE 0 200 0 0
FORD MOTOR COMPANY COMMON STOCK 345370860 28 2,000 SH   DFND 0 2,000 0 0
FORTUNE BRANDS HOME & SEC COMMON STOCK 34964C106 54 600 SH   SOLE 0 600 0 0
FRANCO NEVADA CORP FOREIGN EQUITIES 351858105 17 132 SH   DFND 0 132 0 0
FREEPORT MCMORAN INC COMMON STOCK 35671D857 13 400 SH   SOLE 0 400 0 0
FRESENIUS MEDICAL CARE AG & CO KGAA FOREIGN EQUITIES 358029106 3 100 SH   DFND 0 100 0 0
GABELLI MULTIMEDIA TR INC MUTUAL FUND LARGE CAP EQUITY 36239Q109 8 898 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 7 866 SH   DFND 0 866 0 0
GAP INC COMMON STOCK 364760108 52 2,300 SH   SOLE 0 2,300 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 1,741 8,881 SH   SOLE 0 8,881 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 70 357 SH   DFND 0 357 0 0
GENERAL ELECTRIC CO COMMON STOCK 369604301 219 2,126 SH   SOLE 0 2,126 0 0
GENERAL ELECTRIC CO COMMON STOCK 369604301 128 1,240 SH   DFND 0 1,240 0 0
GENERAL MILLS INC COMMON STOCK 370334104 2,813 47,039 SH   SOLE 0 47,039 0 0
GENERAL MILLS INC COMMON STOCK 370334104 538 8,990 SH   DFND 0 8,990 0 0
GERON CORP COMMON STOCK 374163103 0 300 SH   SOLE 0 300 0 0
GEVO INC COMMON STOCK 374396406 6 951 SH   SOLE 0 951 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 1,196 17,129 SH   SOLE 0 17,129 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 203 2,900 SH   DFND 0 2,900 0 0
GLOBAL X US INFRASTRUCTURE DEV ETF ETF/EQUITY 37954Y673 2 95 SH   DFND 0 95 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 19 50 SH   SOLE 0 50 0 0
GOLDMAN SACHS ACCESS ULTRAST ETF/FIXED INCOME 381430230 101 2,000 SH   SOLE 0 2,000 0 0
GOLDMAN SACHS JUST US LARGE CAP EQUITY ETF ETF/EQUITY 381430396 10 165 SH   SOLE 0 165 0 0
HARLEY DAVIDSON INC COMMON STOCK 412822108 7 200 SH   SOLE 0 200 0 0
HEAT BIOLOGICS INC COMMON STOCK 42237K409 3 560 SH   SOLE 0 560 0 0
HERSHEY CO COMMON STOCK 427866108 316 1,870 SH   SOLE 0 1,870 0 0
HERSHEY CO COMMON STOCK 427866108 209 1,234 SH   DFND 0 1,234 0 0
HOME DEPOT INC COMMON STOCK 437076102 3,239 9,867 SH   SOLE 0 9,867 0 0
HOME DEPOT INC COMMON STOCK 437076102 89 270 SH   DFND 0 270 0 0
HONEYWELL INTL INC COMMON STOCK 438516106 1,956 9,215 SH   SOLE 0 9,215 0 0
HONEYWELL INTL INC COMMON STOCK 438516106 66 309 SH   DFND 0 309 0 0
IEC ELECTRONICS CORPORATION COMMON STOCK 44949L105 3 200 SH   DFND 0 200 0 0
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109 3,935 19,042 SH   SOLE 0 19,042 0 0
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109 722 3,493 SH   DFND 0 3,493 0 0
INCYTE CORP COMMON STOCK 45337C102 7 100 SH   SOLE 0 100 0 0
INFINITY PHARMACEUTICALS INC COMMON STOCK 45665G303 21 6,000 SH   SOLE 0 6,000 0 0
INFUSYSTEMS HOLDINGS INC COMMON STOCK 45685K102 13 1,000 SH   SOLE 0 1,000 0 0
INGERSOLL RAND INC COMMON STOCK 45687V106 55 1,095 SH   SOLE 0 1,095 0 0
INTEL CORP COMMON STOCK 458140100 7,667 143,925 SH   SOLE 0 143,925 0 0
INTEL CORP COMMON STOCK 458140100 1,223 22,951 SH   DFND 0 22,951 0 0
INTL BUSINESS MACHINES CORP COMMON STOCK 459200101 8,008 57,642 SH   SOLE 0 57,642 0 0
INTL BUSINESS MACHINES CORP COMMON STOCK 459200101 10,814 77,839 SH   DFND 0 77,839 0 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103 9 156 SH   DFND 0 156 0 0
INVESCO ACTIVELY MANAGD ETF ULTRA SHRT DUR ETF/FIXED INCOME 46090A887 5,573 110,420 SH   SOLE 0 110,420 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 1,533 4,282 SH   SOLE 0 4,274 8 0
INVESCO QQQ TRUST ETF/EQUITY 46090E103 117 327 SH   DFND 0 327 0 0
INTUIT INC COMMON STOCK 461202103 11 20 SH   SOLE 0 20 0 0
INVESCO EXCHANGE TRADED FD TR WILDERHIL CLAN ETF/EQUITY 46137V134 25 323 SH   DFND 0 323 0 0
INVESCO S&P 500 PURE VAL ETF ETF/EQUITY 46137V258 3,231 42,625 SH   SOLE 0 42,585 0 40
INVESCO S&P 500 PURE VAL ETF ETF/EQUITY 46137V258 6 80 SH   DFND 0 80 0 0
INVESCO S&P 500 EQUAL WEIGHT ETF ETF/EQUITY 46137V357 2,996 20,000 SH   SOLE 0 20,000 0 0
INVESCO FTSE RAFI US1000 ETF ETF/EQUITY 46137V613 18 112 SH   SOLE 0 112 0 0
INVESCO DYNAMIC BLDNG CONSTR ETF/EQUITY 46137V779 1,128 23,815 SH   SOLE 0 23,755 0 60
INVESCO DYNAMIC BLDNG CONSTR ETF/EQUITY 46137V779 7 153 SH   DFND 0 153 0 0
INVESCO MSCI GLOBAL TIMBER ETF/EQUITY 46138E545 2 65 SH   DFND 0 65 0 0
INVESCO VARIABLE RATE PFD ETF/EQUITY 46138G870 1,704 65,000 SH   SOLE 0 65,000 0 0
INVESCO VARIABLE RATE PFD ETF/EQUITY 46138G870 8 300 SH   DFND 0 300 0 0
IQVIA HLDGS INC COMMON STOCK 46266C105 66 275 SH   SOLE 0 275 0 0
IRIDIUM COMMUNICATIONS INC COMMON STOCK 46269C102 8 200 SH   DFND 0 200 0 0
IRONNET INC COMMON STOCK 46323Q105 9 500 SH   DFND 0 500 0 0
ISHARES SILVER TRUST ETF/OTHER 46428Q109 19 945 SH   SOLE 0 945 0 0
ISHARES SILVER TRUST ETF/OTHER 46428Q109 38 1,872 SH   DFND 0 1,872 0 0
ISHARES GOLD TRUST ETF/OTHER 464285204 6,055 181,277 SH   SOLE 0 181,127 0 150
ISHARES GOLD TRUST ETF/OTHER 464285204 7 202 SH   DFND 0 202 0 0
ISHARES MSCI CANADA ETF ETF/INTERNATIONAL EQUITY 464286509 311 8,559 SH   SOLE 0 8,559 0 0
ISHARES SELECT DIVIDEND ETF ETF/EQUITY 464287168 81 710 SH   SOLE 0 710 0 0
ISHARES TIPS BOND ETF ETF/FIXED INCOME 464287176 7,563 59,226 SH   SOLE 0 59,226 0 0
ISHARES CORE S&P 500 ETF ETF/EQUITY 464287200 49,651 115,248 SH   SOLE 0 115,198 50 0
ISHARES CORE S&P 500 ETF ETF/EQUITY 464287200 173 401 SH   DFND 0 401 0 0
ISHARES CORE US AGGREGATE BOND ETF ETF/FIXED INCOME 464287226 6 48 SH   DFND 0 48 0 0
ISHARES MSCI EMERGING MKTS ETF ETF/INTERNATIONAL EQUITY 464287234 186 3,693 SH   SOLE 0 3,693 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 218 1,636 SH   SOLE 0 1,596 40 0
ISHARES IBOXX $ INVMT GRADE CORP BOND ETF ETF/FIXED INCOME 464287242 57 425 SH   DFND 0 425 0 0
ISHARES S&P 500 GROWTH ETF ETF/EQUITY 464287309 943 12,755 SH   SOLE 0 12,755 0 0
ISHARES S&P 500 GROWTH ETF ETF/EQUITY 464287309 12 160 SH   DFND 0 160 0 0
ISHARES GLOBAL HEALTHCARE ETF/EQUITY 464287325 44 520 SH   SOLE 0 520 0 0
ISHARES S&P 500 VALUE ETF ETF/EQUITY 464287408 847 5,822 SH   SOLE 0 5,822 0 0
ISHARES S&P 500 VALUE ETF ETF/EQUITY 464287408 15 105 SH   DFND 0 105 0 0
ISHARES 7-10 YEAR TSY BOND ETF/FIXED INCOME 464287440 668 5,800 SH   SOLE 0 5,660 0 140
ISHARES 7-10 YEAR TSY BOND ETF/FIXED INCOME 464287440 12 100 SH   DFND 0 100 0 0
ISHARES 1-3 YR TREASURY BOND ETF/FIXED INCOME 464287457 7,869 91,336 SH   SOLE 0 91,336 0 0
ISHARES 1-3 YR TREASURY BOND ETF/FIXED INCOME 464287457 435 5,054 SH   DFND 0 5,054 0 0
ISHARES MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 464287465 2,906 37,246 SH   SOLE 0 37,246 0 0
ISHARES MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 464287465 342 4,387 SH   DFND 0 4,387 0 0
ISHARES RUSSELL MIDCAP VALUE ETF/EQUITY 464287473 4,405 38,898 SH   SOLE 0 38,898 0 0
ISHARES RUSSELL MIDCAP VALUE ETF/EQUITY 464287473 159 1,400 SH   DFND 0 1,400 0 0
ISHARES RUSSELL MID GROWTH ETF/EQUITY 464287481 4 40 SH   SOLE 0 40 0 0
ISHARES RUSSELL MIDCAP ETF ETF/EQUITY 464287499 19 242 SH   SOLE 0 242 0 0
ISHARES RUSSELL MIDCAP ETF ETF/EQUITY 464287499 139 1,774 SH   DFND 0 1,774 0 0
ISHARES CORE S&P MIDCAP ETF ETF/EQUITY 464287507 9,687 36,822 SH   SOLE 0 36,811 0 11
ISHARES CORE S&P MIDCAP ETF ETF/EQUITY 464287507 164 625 SH   DFND 0 625 0 0
ISHARES NASDAQ BIOTECHNOLOGYETF ETF/EQUITY 464287556 24 150 SH   SOLE 0 150 0 0
ISHARES RUSSELL 1000 VALUE ETF/EQUITY 464287598 3,485 22,264 SH   SOLE 0 22,129 0 135
ISHARES RUSSELL 1000 VALUE ETF/EQUITY 464287598 120 766 SH   DFND 0 766 0 0
ISHARES S&P MIDCAP 400 GROWTH ETF ETF/EQUITY 464287606 474 5,980 SH   SOLE 0 5,980 0 0
ISHARES S&P MIDCAP 400 GROWTH ETF ETF/EQUITY 464287606 48 600 SH   DFND 0 600 0 0
ISHARES RUSSELL 1000 GROWTH ETF ETF/EQUITY 464287614 6,542 23,875 SH   SOLE 0 23,800 0 75
ISHARES RUSSELL 1000 GROWTH ETF ETF/EQUITY 464287614 172 627 SH   DFND 0 627 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 41 141 SH   DFND 0 141 0 0
ISHARES RUSSELL 2000 ETF ETF/EQUITY 464287655 1,062 4,853 SH   SOLE 0 4,853 0 0
ISHARES RUSSELL 2000 ETF ETF/EQUITY 464287655 142 649 SH   DFND 0 649 0 0
ISHARES US TELECOM ETF ETF/EQUITY 464287713 1 44 SH   SOLE 0 44 0 0
ISHARES CORE S&P SMALLCAP ETF ETF/EQUITY 464287804 11,721 107,344 SH   SOLE 0 107,317 0 27
ISHARES CORE S&P SMALLCAP ETF ETF/EQUITY 464287804 152 1,396 SH   DFND 0 1,396 0 0
ISHARES TR S&P GTFIDX ETF ETF/INTERNATIONAL EQUITY 464288174 2 27 SH   DFND 0 27 0 0
ISHARES GLOBAL CLEAN ENERGY ETF/INTERNATIONAL EQUITY 464288224 278 12,850 SH   SOLE 0 12,850 0 0
ISHARES GLOBAL CLEAN ENERGY ETF/INTERNATIONAL EQUITY 464288224 22 1,020 SH   DFND 0 1,020 0 0
ISHARES MSCI ACWI EX US ETF ETF/INTERNATIONAL EQUITY 464288240 619 11,178 SH   SOLE 0 11,178 0 0
ISHARES MSCI ACWI EX US ETF ETF/INTERNATIONAL EQUITY 464288240 10 174 SH   DFND 0 174 0 0
ISHARES MSCI ACWI ETF ETF/EQUITY 464288257 27,455 274,774 SH   SOLE 0 274,519 0 255
ISHARES MSCI ACWI ETF ETF/EQUITY 464288257 44 440 SH   DFND 0 440 0 0
ISHARES NEW YORK MUNI BOND ETF/FIXED INCOME 464288323 162 2,800 SH   SOLE 0 2,800 0 0
ISHARES TR S&P GLO INFRAS ETF/INTERNATIONAL EQUITY 464288372 2 53 SH   DFND 0 53 0 0
ISHARES IBOXX $ HIGH YIELD CORP BOND ETF ETF/FIXED INCOME 464288513 61 697 SH   SOLE 0 657 40 0
ISHARES IBOXX $ HIGH YIELD CORP BOND ETF ETF/FIXED INCOME 464288513 96 1,093 SH   DFND 0 1,093 0 0
ISHARES INTERMEDIATE CREDIT BOND ETF ETF/FIXED INCOME 464288638 66 1,100 SH   SOLE 0 1,100 0 0
ISHARES INTERMEDIATE CREDIT BOND ETF ETF/FIXED INCOME 464288638 30 496 SH   DFND 0 496 0 0
ISHARES SHORT TERM CORP BOND ETF/FIXED INCOME 464288646 127 2,328 SH   DFND 0 2,328 0 0
ISHARES US PREFERRED STOCK ETF/OTHER 464288687 2,598 66,931 SH   SOLE 0 66,931 0 0
ISHARES US PREFERRED STOCK ETF/OTHER 464288687 221 5,690 SH   DFND 0 5,690 0 0
ISHARES US HOME CONSTRUCTION ETF/EQUITY 464288752 2 33 SH   DFND 0 33 0 0
ISHARES CORE HIGH DIVIDEND ETF/EQUITY 46429B663 84 890 SH   SOLE 0 890 0 0
ISHARES CORE HIGH DIVIDEND ETF/EQUITY 46429B663 11 120 SH   DFND 0 120 0 0
ISHARES EDGE MSCI MIN VOL EAFE ETF ETF/INTERNATIONAL EQUITY 46429B689 4 55 SH   DFND 0 55 0 0
ISHARES EDGE MSCI MIN VOL USA ETF ETF/EQUITY 46429B697 9,118 124,055 SH   SOLE 0 123,930 0 125
ISHARES EDGE MSCI MIN VOL USA ETF ETF/EQUITY 46429B697 20 270 SH   DFND 0 270 0 0
ISHARES CORE MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 46432F842 42,469 571,977 SH   SOLE 0 571,612 50 315
ISHARES CORE MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 46432F842 586 7,889 SH   DFND 0 7,889 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 46434G103 13,162 213,123 SH   SOLE 0 212,943 0 180
ISHARES CORE MSCI EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 46434G103 32 522 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 555 13,390 SH   SOLE 0 13,390 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 61 1,600 SH   SOLE 0 1,600 0 0
ISHARES MSCI ACWI LOW CARBON ETF/EQUITY 46434V464 6 35 SH   SOLE 0 35 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 20 205 SH   SOLE 0 205 0 0
ISHARES TR ESG MSCI USA ETF (ESGU) ETF/EQUITY 46435G425 24 243 SH   DFND 0 243 0 0
ISHARES ESG ADV HIGH YIELD ETF/FIXED INCOME 46435G441 14 260 SH   SOLE 0 260 0 0
ISHARES ESG MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 46435G516 417 5,320 SH   SOLE 0 5,320 0 0
ISHARES CYBERSEC & TECH ETF ETF/EQUITY 46435U135 1 34 SH   DFND 0 34 0 0
ISHARES BB RATED CRP BND ETF ETF/FIXED INCOME 46435U473 2,295 43,830 SH   SOLE 0 43,595 0 235
ISHARES BB RATED CRP BND ETF ETF/FIXED INCOME 46435U473 14 265 SH   DFND 0 265 0 0
ISHARES ESG AWARE MSCI SMALLCAP ETF ETF/EQUITY 46435U663 1 25 SH   SOLE 0 25 0 0
ISHARES BROAD USD HIGH YIELDCORP BOND ETF ETF/FIXED INCOME 46435U853 2,075 50,000 SH   SOLE 0 50,000 0 0
JPMORGAN CHASE & CO COMMON STOCK 46625H100 11,444 69,916 SH   SOLE 0 69,916 0 0
JPMORGAN CHASE & CO COMMON STOCK 46625H100 877 5,360 SH   DFND 0 5,360 0 0
JABIL CIRCUIT INC. COMMON STOCK 466313103 12 200 SH   SOLE 0 200 0 0
J P MORGAN EXCHANGE-TRADED FEQUITY PREMIUM ETF/EQUITY 46641Q332 5,552 93,135 SH   SOLE 0 93,135 0 0
JP MORGAN ULTRA SHORT INC ETF/FIXED INCOME 46641Q837 7,659 151,005 SH   SOLE 0 150,540 0 465
JP MORGAN ULTRA SHORT INC ETF/FIXED INCOME 46641Q837 22 435 SH   DFND 0 435 0 0
JACOBS ENGR GROUP INC. COMMON STOCK 469814107 26 194 SH   DFND 0 194 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 9,288 57,509 SH   SOLE 0 57,509 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 2,522 15,619 SH   DFND 0 15,619 0 0
JOUNCE THERAPEUTICS INC COMMON STOCK 481116101 7 1,000 SH   SOLE 0 1,000 0 0
KLA CORPORATION COMMON STOCK 482480100 137 410 SH   SOLE 0 410 0 0
KELLOGG COMPANY COMMON STOCK 487836108 26 400 SH   SOLE 0 400 0 0
KEYCORP COMMON STOCK 493267108 22 1,000 SH   SOLE 0 1,000 0 0
KEYCORP COMMON STOCK 493267108 11 500 SH   DFND 0 500 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 1,238 9,348 SH   SOLE 0 9,348 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 671 5,065 SH   DFND 0 5,065 0 0
KINDER MORGAN INC COMMON STOCK 49456B101 209 12,502 SH   SOLE 0 12,502 0 0
KINDER MORGAN INC COMMON STOCK 49456B101 18 1,050 SH   DFND 0 1,050 0 0
KRAFT HEINZ COMPANY COMMON STOCK 500754106 86 2,333 SH   DFND 0 2,333 0 0
L3HARRIS TECHNOLOGIES INC COMMON STOCK 502431109 7 30 SH   DFND 0 30 0 0
LAM RESEARCH CORP COMMON STOCK 512807108 28 50 SH   SOLE 0 50 0 0
ESTEE LAUDER COMP INC CL A COMMON STOCK 518439104 30 100 SH   SOLE 0 100 0 0
LEVI STRAUSS & CO CL A COMMON STOCK 52736R102 7 300 SH   SOLE 0 300 0 0
LIBERTY ALL STAR EQUITY FD CLOSED END MUTUAL FUNDS 530158104 62 7,208 SH   DFND 0 7,208 0 0
ELI LILLY AND COMPANY COMMON STOCK 532457108 767 3,320 SH   SOLE 0 3,320 0 0
ELI LILLY AND COMPANY COMMON STOCK 532457108 214 925 SH   DFND 0 925 0 0
LINEAGE CELL THERAPEUTICS COMMON STOCK 53566P109 1 508 SH   SOLE 0 508 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 1,949 5,647 SH   SOLE 0 5,647 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 310 898 SH   DFND 0 898 0 0
LOEWS CORP COMMON STOCK 540424108 70 1,300 SH   DFND 0 1,300 0 0
LOWES COMPANIES INC COMMON STOCK 548661107 4,529 22,326 SH   SOLE 0 22,326 0 0
LOWES COMPANIES INC COMMON STOCK 548661107 265 1,307 SH   DFND 0 1,307 0 0
LUMEN TECHNOLOGIES INC COMMON STOCK 550241103 14 1,150 SH   SOLE 0 1,150 0 0
M & T BANK CORP COMMON STOCK 55261F104 308 2,063 SH   SOLE 0 2,063 0 0
M & T BANK CORP COMMON STOCK 55261F104 1,277 8,548 SH   DFND 0 8,548 0 0
MP MATERIALS CORP CL A COMMON STOCK 553368101 5 150 SH   DFND 0 150 0 0
MAGNA INTERNATIONAL INC FOREIGN EQUITIES 559222401 54 720 SH   SOLE 0 720 0 0
ECOFIN DIGTL PYMNTS INFRSTRC ETF/EQUITY 56167N548 2 45 SH   DFND 0 45 0 0
MANULIFE FINL CORP FOREIGN EQUITIES 56501R106 288 15,000 SH   SOLE 0 15,000 0 0
MARATHON PETROLEUM CORP COMMON STOCK 56585A102 21 344 SH   DFND 0 344 0 0
MARKEL CORPORATION COMMON STOCK 570535104 120 100 SH   DFND 0 100 0 0
MASTERCARD INC CLASS A COMMON STOCK 57636Q104 421 1,210 SH   SOLE 0 1,210 0 0
MASTERCARD INC CLASS A COMMON STOCK 57636Q104 17 50 SH   DFND 0 50 0 0
MCDONALDS CORP COMMON STOCK 580135101 3,995 16,569 SH   SOLE 0 16,569 0 0
MCDONALDS CORP COMMON STOCK 580135101 269 1,116 SH   DFND 0 1,116 0 0
MCKESSON CORP COMMON STOCK 58155Q103 53 266 SH   SOLE 0 266 0 0
MCKESSON CORP COMMON STOCK 58155Q103 598 3,000 SH   DFND 0 3,000 0 0
MEDICAL PPTYS TRUST INC COMMON STOCK 58463J304 4 200 SH   DFND 0 200 0 0
MERCK & COMPANY INC COMMON STOCK 58933Y105 8,240 109,711 SH   SOLE 0 109,711 0 0
MERCK & COMPANY INC COMMON STOCK 58933Y105 1,311 17,454 SH   DFND 0 17,454 0 0
METLIFE INC COMMON STOCK 59156R108 49 800 SH   SOLE 0 800 0 0
METTLER-TOLEDO INTL COMMON STOCK 592688105 1,377 1,000 SH   DFND 0 1,000 0 0
MICROSOFT CORP COMMON STOCK 594918104 18,320 64,985 SH   SOLE 0 64,985 0 0
MICROSOFT CORP COMMON STOCK 594918104 3,046 10,805 SH   DFND 0 10,805 0 0
MODERNA INC COMMON STOCK 60770K107 77 200 SH   SOLE 0 200 0 0
MOLINA HEALTHCARE INC COMMON STOCK 60855R100 14 50 SH   SOLE 0 50 0 0
MONDELEZ INTL INC CL A COMMON STOCK 609207105 492 8,459 SH   SOLE 0 8,459 0 0
MONDELEZ INTL INC CL A COMMON STOCK 609207105 266 4,575 SH   DFND 0 4,575 0 0
MORGAN STANLEY COMMON STOCK 617446448 652 6,697 SH   SOLE 0 6,697 0 0
NBT BANCORP INC COMMON STOCK 628778102 754 20,872 SH   SOLE 0 20,872 0 0
NBT BANCORP INC COMMON STOCK 628778102 1,131 31,313 SH   DFND 0 31,313 0 0
NCR CORP NEW COMMON STOCK 62886E108 8 200 SH   SOLE 0 200 0 0
NATIONAL FUEL GAS COMPANY COMMON STOCK 636180101 37 700 SH   SOLE 0 700 0 0
NATIONAL FUEL GAS COMPANY COMMON STOCK 636180101 162 3,076 SH   DFND 0 3,076 0 0
NATIONAL GRID PLC ADR FOREIGN EQUITIES 636274409 79 1,323 SH   DFND 0 1,323 0 0
NETFLIX INC COMMON STOCK 64110L106 146 240 SH   SOLE 0 240 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
NEWELL RUBBERMAID INC COMMON STOCK 651229106 9 420 SH   SOLE 0 0 0 420
NEWMONT MINING CORP COMMON STOCK 651639106 33 600 SH   SOLE 0 600 0 0
NEXSTAR MEDIA GROUP CLASS A COMMON STOCK 65336K103 8 50 SH   SOLE 0 50 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 2,925 37,254 SH   SOLE 0 37,254 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 1,767 22,500 SH   DFND 0 22,500 0 0
NIKE INC CLASS B COMMON STOCK 654106103 3,581 24,661 SH   SOLE 0 24,661 0 0
NIKE INC CLASS B COMMON STOCK 654106103 258 1,776 SH   DFND 0 1,776 0 0
NIKOLA CORP COMMON STOCK 654110105 2 200 SH   SOLE 0 200 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 1,929 8,063 SH   SOLE 0 8,063 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 287 1,200 SH   DFND 0 1,200 0 0
NORTHROP GRUMMAN CORP COMMON STOCK 666807102 85 235 SH   SOLE 0 235 0 0
NORTHROP GRUMMAN CORP COMMON STOCK 666807102 72 200 SH   DFND 0 200 0 0
NORWOOD FINANCIAL CORP COMMON STOCK 669549107 229 8,992 SH   SOLE 0 8,992 0 0
NOVARTIS AG ADR FOREIGN EQUITIES 66987V109 336 4,103 SH   SOLE 0 4,103 0 0
NOVARTIS AG ADR FOREIGN EQUITIES 66987V109 266 3,255 SH   DFND 0 3,255 0 0
NUCOR CORP COMMON STOCK 670346105 4,096 41,589 SH   SOLE 0 41,589 0 0
NUCOR CORP COMMON STOCK 670346105 811 8,233 SH   DFND 0 8,233 0 0
NVIDIA CORPORATION COMMON STOCK 67066G104 236 1,140 SH   SOLE 0 1,140 0 0
NUVEEN AMT FREE MUNI CR INC CLOSED END MUTUAL FUNDS 67071L106 51 3,000 SH   SOLE 0 3,000 0 0
NUTRIEN LTD FOREIGN EQUITIES 67077M108 14 220 SH   SOLE 0 220 0 0
OCCIDENTAL PETROLEUM CORP COMMON STOCK 674599105 6 200 SH   SOLE 0 200 0 0
OKTA INC CL A COMMON STOCK 679295105 47 200 SH   DFND 0 200 0 0
OMNICOM GROUP INC COMMON STOCK 681919106 2,854 39,389 SH   SOLE 0 39,389 0 0
OMNICOM GROUP INC COMMON STOCK 681919106 159 2,195 SH   DFND 0 2,195 0 0
OMEGA HEALTHCARE INV INC COMMON STOCK 681936100 25 843 SH   SOLE 0 843 0 0
ONEOK INC COMMON STOCK 682680103 23 394 SH   SOLE 0 394 0 0
ORACLE CORP COMMON STOCK 68389X105 649 7,453 SH   SOLE 0 7,453 0 0
ORANGE SA ADR FOREIGN EQUITIES 684060106 11 1,000 SH   DFND 0 1,000 0 0
ORGANOVO HOLDINGS INC COMMON STOCK 68620A203 0 5 SH   SOLE 0 5 0 0
ORGANON & CO COMMON STOCK 68622V106 108 3,304 SH   SOLE 0 3,304 0 0
ORGANON & CO COMMON STOCK 68622V106 41 1,256 SH   DFND 0 1,256 0 0
OTIS WORLDWIDE CORP COMMON STOCK 68902V107 116 1,408 SH   SOLE 0 1,408 0 0
OTIS WORLDWIDE CORP COMMON STOCK 68902V107 103 1,252 SH   DFND 0 1,252 0 0
PNC FINL SVCS GROUP INC COMMON STOCK 693475105 2,878 14,712 SH   SOLE 0 14,712 0 0
PNC FINL SVCS GROUP INC COMMON STOCK 693475105 11 55 SH   DFND 0 55 0 0
PPG INDUSTRIES INC COMMON STOCK 693506107 359 2,512 SH   SOLE 0 2,512 0 0
PPG INDUSTRIES INC COMMON STOCK 693506107 34 240 SH   DFND 0 240 0 0
PPL CORP COMMON STOCK 69351T106 1,941 69,630 SH   SOLE 0 69,630 0 0
PPL CORP COMMON STOCK 69351T106 130 4,650 SH   DFND 0 4,650 0 0
PACER BENCHMARK DATA&INFRAS RE SECTOR ETF ETF/EQUITY 69374H741 2,133 54,815 SH   SOLE 0 54,745 0 70
PACER BENCHMARK DATA&INFRAS RE SECTOR ETF ETF/EQUITY 69374H741 5 140 SH   DFND 0 140 0 0
PALO ALTO NETWORKS INC COMMON STOCK 697435105 57 120 SH   SOLE 0 120 0 0
PAYCOM SOFTWARE INC COMMON STOCK 70432V102 99 200 SH   DFND 0 200 0 0
PAYCHEX INC COMMON STOCK 704326107 56 500 SH   SOLE 0 500 0 0
PAYCHEX INC COMMON STOCK 704326107 76 675 SH   DFND 0 675 0 0
PEOPLES FINL SVCS CORP COMMON STOCK 711040105 55 1,218 SH   SOLE 0 1,218 0 0
PEOPLES UNITED FINANCIAL INC COMMON STOCK 712704105 61 3,500 SH   SOLE 0 3,500 0 0
PEOPLES UNITED FINANCIAL INC COMMON STOCK 712704105 26 1,500 SH   DFND 0 1,500 0 0
PEPSICO INC COMMON STOCK 713448108 7,961 52,930 SH   SOLE 0 52,930 0 0
PEPSICO INC COMMON STOCK 713448108 1,704 11,331 SH   DFND 0 11,331 0 0
PFIZER INC COMMON STOCK 717081103 5,937 138,064 SH   SOLE 0 138,064 0 0
PFIZER INC COMMON STOCK 717081103 1,301 30,254 SH   DFND 0 30,254 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109 298 3,145 SH   SOLE 0 3,145 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109 65 689 SH   DFND 0 689 0 0
PHILLIPS 66 COMMON STOCK 718546104 835 11,917 SH   SOLE 0 11,917 0 0
PHILLIPS 66 COMMON STOCK 718546104 112 1,600 SH   DFND 0 1,600 0 0
PIMCO ENHANCED SHORT MAT ESG ETF/FIXED INCOME 72201R643 101 1,000 SH   SOLE 0 1,000 0 0
PIMCO ENHANCED LOW DURATION ETF/FIXED INCOME 72201R718 2,138 21,000 SH   SOLE 0 21,000 0 0
PIMCO ENHANCED SHORT MATURE ACTIVE ETF ETF/FIXED INCOME 72201R833 3,181 31,206 SH   SOLE 0 31,000 0 206
PINNACLE WEST CPTL CORP COMMON STOCK 723484101 29 400 SH   SOLE 0 400 0 0
PLAINS ALL AMERICAN PIPELINE COMMON STOCK 726503105 31 3,000 SH   DFND 0 3,000 0 0
PRINCIPAL SPECTRUM PFD SEC ETF/EQUITY 74255Y888 2,703 130,390 SH   SOLE 0 130,390 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 7,673 54,884 SH   SOLE 0 54,884 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 977 6,987 SH   DFND 0 6,987 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102 6 58 SH   SOLE 0 58 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102 29 276 SH   DFND 0 276 0 0
PUBLIC SVC ENTERPRISE GROUP COMMON STOCK 744573106 4,775 78,402 SH   SOLE 0 78,402 0 0
PUBLIC SVC ENTERPRISE GROUP COMMON STOCK 744573106 1,094 17,962 SH   DFND 0 17,962 0 0
PULTE GROUP INC COMMON STOCK 745867101 10 210 SH   DFND 0 210 0 0
QUALCOMM INC COMMON STOCK 747525103 2,294 17,788 SH   SOLE 0 17,788 0 0
QUALCOMM INC COMMON STOCK 747525103 358 2,775 SH   DFND 0 2,775 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 2,060 23,969 SH   SOLE 0 23,969 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 599 6,967 SH   DFND 0 6,967 0 0
REALTY INCOME CORP COMMON STOCK 756109104 18 284 SH   SOLE 0 284 0 0
REGULUS THERAPEUTICS INC COMMON STOCK 75915K200 5 6,900 SH   SOLE 0 6,900 0 0
REPUBLIC SERVICES INC COMMON STOCK 760759100 12 100 SH   SOLE 0 100 0 0
RIBBONS COMMUNICATIONS INC COMMON STOCK 762544104 8 1,400 SH   SOLE 0 1,400 0 0
RIO TINTO PLC ADR FOREIGN EQUITIES 767204100 274 4,100 SH   SOLE 0 4,100 0 0
RIO TINTO PLC ADR FOREIGN EQUITIES 767204100 277 4,150 SH   DFND 0 4,150 0 0
ROCKWELL AUTOMATION INC COMMON STOCK 773903109 206 700 SH   SOLE 0 700 0 0
ROCKWELL AUTOMATION INC COMMON STOCK 773903109 51 175 SH   DFND 0 175 0 0
ROPER INDS INC COMMON STOCK 776696106 312 700 SH   DFND 0 700 0 0
ROYAL BANK OF CANADA FOREIGN EQUITIES 780087102 1,368 13,755 SH   SOLE 0 13,755 0 0
ROYAL BANK OF CANADA FOREIGN EQUITIES 780087102 129 1,298 SH   DFND 0 1,298 0 0
ROYAL DUTCH SHELL PLC CL A FOREIGN EQUITIES 780259206 12 260 SH   DFND 0 260 0 0
ROYAL GOLD INC COMMON STOCK 780287108 4 43 SH   DFND 0 43 0 0
S&P GLOBAL INC COMMON STOCK 78409V104 382 900 SH   DFND 0 900 0 0
SPDR S&P 500 ETF ETF/EQUITY 78462F103 7,782 18,135 SH   SOLE 0 18,135 0 0
SPDR S&P 500 ETF ETF/EQUITY 78462F103 500 1,164 SH   DFND 0 1,164 0 0
SPDR GOLD SHARES ETF/OTHER 78463V107 767 4,672 SH   SOLE 0 4,672 0 0
SPDR GOLD SHARES ETF/OTHER 78463V107 797 4,855 SH   DFND 0 4,855 0 0
SPDR INTERM CORP BOND ETF ETF/FIXED INCOME 78464A375 8 225 SH   DFND 0 225 0 0
SPDR PORTFOLIO S&P500 GROWTH ETF/EQUITY 78464A409 668 10,433 SH   SOLE 0 10,433 0 0
SPDR PORTFOLIO S&P 500 VALUE ETF/EQUITY 78464A508 733 18,795 SH   SOLE 0 18,795 0 0
SPDR S&P TRANSPORTATION ETF ETF/EQUITY 78464A532 3 34 SH   DFND 0 34 0 0
SPDR INTERMEDIATE TREASURY ETF/FIXED INCOME 78464A672 109 3,390 SH   SOLE 0 3,390 0 0
SPDR PORTFOLIO S&P 500 ETF/EQUITY 78464A854 1,948 38,605 SH   SOLE 0 38,435 0 170
SPDR PORTFOLIO S&P 500 ETF/EQUITY 78464A854 23 450 SH   DFND 0 450 0 0
SPDR S&P BIOTECH ETF ETF/EQUITY 78464A870 93 743 SH   SOLE 0 743 0 0
SPDR SERIES TRUST S&P HOMEBUILD ETF/EQUITY 78464A888 1,279 17,825 SH   SOLE 0 17,785 0 40
SPDR SERIES TRUST S&P HOMEBUILD ETF/EQUITY 78464A888 6 80 SH   DFND 0 80 0 0
SPDR BLACKSTONE/GSO SENIOR LOAN ETF ETF/FIXED INCOME 78467V608 3,996 86,842 SH   SOLE 0 86,654 0 188
SPDR BLACKSTONE/GSO SENIOR LOAN ETF ETF/FIXED INCOME 78467V608 20 433 SH   DFND 0 433 0 0
SPDR DOUBLELINE TOTAL RETURNTACT ETF ETF/FIXED INCOME 78467V848 5,689 117,750 SH   SOLE 0 117,750 0 0
SPDR DOUBLELINE TOTAL RETURNTACT ETF ETF/FIXED INCOME 78467V848 19 400 SH   DFND 0 400 0 0
SPDR S&P MIDCAP 400 ETF ETF/EQUITY 78467Y107 6,762 14,062 SH   SOLE 0 14,046 16 0
SPDR S&P MIDCAP 400 ETF ETF/EQUITY 78467Y107 164 342 SH   DFND 0 342 0 0
SPDR PORTFOLIO SMALLCAP ETF ETF/EQUITY 78468R853 16 365 SH   SOLE 0 365 0 0
SPDR DOUBLELINE SHRT DUR ETF/FIXED INCOME 78470P200 9 180 SH   SOLE 0 180 0 0
SALESFORCE.COM INC COMMON STOCK 79466L302 123 454 SH   SOLE 0 454 0 0
SASOL LTD FOREIGN EQUITIES 803866300 2 100 SH   SOLE 0 100 0 0
SCHLUMBERGER LTD FOREIGN EQUITIES 806857108 56 1,880 SH   SOLE 0 1,880 0 0
SCHLUMBERGER LTD FOREIGN EQUITIES 806857108 79 2,650 SH   DFND 0 2,650 0 0
SCHWAB US SMALL CAP ETF ETF/EQUITY 808524607 3,916 39,123 SH   SOLE 0 39,048 75 0
SCHWAB US SMALL CAP ETF ETF/EQUITY 808524607 216 2,160 SH   DFND 0 2,160 0 0
MATERIALS SELECT SECTOR SPDR ETF/EQUITY 81369Y100 212 2,685 SH   SOLE 0 2,685 0 0
MATERIALS SELECT SECTOR SPDR ETF/EQUITY 81369Y100 790 9,985 SH   DFND 0 9,985 0 0
HEALTH CARE SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y209 357 2,802 SH   SOLE 0 2,802 0 0
CONSUMER STAPLES SECTOR SPDR ETF/EQUITY 81369Y308 253 3,672 SH   SOLE 0 3,672 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 326 1,819 SH   SOLE 0 1,819 0 0
CONSUMER DISCRET SEL SECT SPDR ETF ETF/EQUITY 81369Y407 26 147 SH   DFND 0 147 0 0
ENERGY SELECT SECTOR SPDR ETF/EQUITY 81369Y506 1,727 33,164 SH   SOLE 0 33,164 0 0
ENERGY SELECT SECTOR SPDR ETF/EQUITY 81369Y506 178 3,410 SH   DFND 0 3,410 0 0
SPDR FINANCIAL SELECT SECTOR ETF/EQUITY 81369Y605 123 3,277 SH   SOLE 0 3,277 0 0
SPDR INDUSTRIALS (XLI) ETF/EQUITY 81369Y704 102 1,040 SH   SOLE 0 1,040 0 0
TECHNOLOGY SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y803 703 4,707 SH   SOLE 0 4,707 0 0
TECHNOLOGY SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y803 46 311 SH   DFND 0 311 0 0
SELECT SECTOR SPDR TR COMMUNICATION ETF/EQUITY 81369Y852 188 2,345 SH   SOLE 0 2,345 0 0
UTILITIES SELECT SECTOR SPDR ETF/EQUITY 81369Y886 264 4,130 SH   SOLE 0 4,130 0 0
UTILITIES SELECT SECTOR SPDR ETF/EQUITY 81369Y886 39 607 SH   DFND 0 607 0 0
SEMPRA ENERGY COMMON STOCK 816851109 1,100 8,695 SH   SOLE 0 8,695 0 0
SEMPRA ENERGY COMMON STOCK 816851109 222 1,755 SH   DFND 0 1,755 0 0
SHAKE SHACK INC COMMON STOCK 819047101 1 10 SH   SOLE 0 10 0 0
SIERRA WIRELESS INC FOREIGN EQUITIES 826516106 16 1,000 SH   DFND 0 1,000 0 0
SIGMATRON INTERNATIONAL INC COMMON STOCK 82661L101 3 300 SH   SOLE 0 300 0 0
SNAP INC COMMON STOCK 83304A106 7 100 SH   SOLE 0 100 0 0
SORRENTO THERAPEUTICS INC COMMON STOCK 83587F202 4 500 SH   DFND 0 500 0 0
SOUTHERN COMPANY COMMON STOCK 842587107 1,051 16,962 SH   SOLE 0 16,962 0 0
SOUTHERN COMPANY COMMON STOCK 842587107 204 3,290 SH   DFND 0 3,290 0 0
SPROTT PHYSICAL GOLD TRUST ETF/OTHER 85207H104 524 37,946 SH   SOLE 0 37,946 0 0
SPROTT PHYSICAL GOLD TRUST ETF/OTHER 85207H104 1 48 SH   DFND 0 48 0 0
SQUARE INC CL A COMMON STOCK 852234103 24 100 SH   SOLE 0 100 0 0
STANLEY BLACK & DECKER INC COMMON STOCK 854502101 351 2,000 SH   DFND 0 2,000 0 0
STARBUCKS CORP COMMON STOCK 855244109 1,313 11,901 SH   SOLE 0 11,901 0 0
STARBUCKS CORP COMMON STOCK 855244109 46 420 SH   DFND 0 420 0 0
STATE STREET CORP COMMON STOCK 857477103 168 1,988 SH   SOLE 0 1,988 0 0
STATE STREET CORP COMMON STOCK 857477103 68 800 SH   DFND 0 800 0 0
STERICYCLE INC COMMON STOCK 858912108 163 2,400 SH   DFND 0 2,400 0 0
STERLING BANCORP DEL COMMON STOCK 85917A100 12 500 SH   SOLE 0 500 0 0
STERLING BANCORP DEL COMMON STOCK 85917A100 25 1,000 SH   DFND 0 1,000 0 0
STRYKER CORP COMMON STOCK 863667101 1,818 6,895 SH   SOLE 0 6,895 0 0
STRYKER CORP COMMON STOCK 863667101 50 189 SH   DFND 0 189 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 56 301 SH   SOLE 0 301 0 0
SUNCOKE ENERGY INC COMMON STOCK 86722A103 1 218 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 1,183 15,070 SH   SOLE 0 15,070 0 0
SYSCO CORP COMMON STOCK 871829107 790 10,065 SH   DFND 0 10,065 0 0
TJX COMPANIES COMMON STOCK 872540109 300 4,540 SH   SOLE 0 4,540 0 0
TJX COMPANIES COMMON STOCK 872540109 7 103 SH   DFND 0 103 0 0
TARGET CORP COMMON STOCK 87612E106 1,278 5,587 SH   SOLE 0 5,587 0 0
TARGET CORP COMMON STOCK 87612E106 55 242 SH   DFND 0 242 0 0
TC ENERGY CORP FOREIGN EQUITIES 87807B107 298 6,200 SH   SOLE 0 6,200 0 0
TELEDYNE TECHNOLOGIES INC COMMON STOCK 879360105 80 187 SH   DFND 0 187 0 0
TENARIS SA ADR FOREIGN EQUITIES 88031M109 21 1,000 SH   SOLE 0 1,000 0 0
TERADATA CORP DEL COM COMMON STOCK 88076W103 11 200 SH   SOLE 0 200 0 0
TEVA PHARMACEUTICAL INDS LTDADR FOREIGN EQUITIES 881624209 1 100 SH   SOLE 0 100 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 5,445 28,330 SH   SOLE 0 28,330 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 578 3,005 SH   DFND 0 3,005 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 978 1,712 SH   SOLE 0 1,712 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 371 650 SH   DFND 0 650 0 0
THOMSON REUTERS CORP FOREIGN EQUITIES 884903709 166 1,500 SH   SOLE 0 1,500 0 0
3D SYSTEM CORP COMMON STOCK 88554D205 1 50 SH   SOLE 0 50 0 0
3M COMPANY COMMON STOCK 88579Y101 5,170 29,472 SH   SOLE 0 29,472 0 0
3M COMPANY COMMON STOCK 88579Y101 566 3,225 SH   DFND 0 3,225 0 0
TOMPKINS FINANCIAL CORP COMMON STOCK 890110109 174 2,147 SH   SOLE 0 2,147 0 0
TOMPKINS FINANCIAL CORP COMMON STOCK 890110109 364 4,500 SH   DFND 0 4,500 0 0
TORONTO DOMINION BANK FOREIGN EQUITIES 891160509 823 12,449 SH   SOLE 0 12,449 0 0
TORONTO DOMINION BANK FOREIGN EQUITIES 891160509 55 825 SH   DFND 0 825 0 0
TOTAL SA ADR FOREIGN EQUITIES 89151E109 61 1,265 SH   SOLE 0 1,265 0 0
TOYOTA MOTOR CORP FOREIGN EQUITIES 892331307 36 200 SH   SOLE 0 200 0 0
TOYOTA MOTOR CORP FOREIGN EQUITIES 892331307 107 600 SH   DFND 0 600 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109 1,285 8,455 SH   SOLE 0 8,455 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109 42 275 SH   DFND 0 275 0 0
TRUIST FINANCIAL CORP COMMON STOCK 89832Q109 2,483 42,335 SH   SOLE 0 42,335 0 0
TRUIST FINANCIAL CORP COMMON STOCK 89832Q109 229 3,900 SH   DFND 0 3,900 0 0
TRUSTCO BANK CORP COMMON STOCK 898349204 5 168 SH   DFND 0 168 0 0
TWITTER INC COMMON STOCK 90184L102 1 22 SH   DFND 0 22 0 0
II-VI INC COMMON STOCK 902104108 12 200 SH   DFND 0 200 0 0
US BANCORP COMMON STOCK 902973304 2,635 44,339 SH   SOLE 0 44,339 0 0
US BANCORP COMMON STOCK 902973304 603 10,145 SH   DFND 0 10,145 0 0
ULTRA CLEAN HOLDINGS INC COMMON STOCK 90385V107 9 200 SH   SOLE 0 200 0 0
UNION PACIFIC CORP COMMON STOCK 907818108 940 4,794 SH   SOLE 0 4,794 0 0
UNION PACIFIC CORP COMMON STOCK 907818108 595 3,035 SH   DFND 0 3,035 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 4,427 24,311 SH   SOLE 0 24,311 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 325 1,783 SH   DFND 0 1,783 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 2,766 7,080 SH   SOLE 0 7,080 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 498 1,275 SH   DFND 0 1,275 0 0
UNITI GROUP INC COMMON STOCK 91325V108 0 16 SH   SOLE 0 16 0 0
VF CORP COMMON STOCK 918204108 558 8,325 SH   SOLE 0 8,325 0 0
VF CORP COMMON STOCK 918204108 33 487 SH   DFND 0 487 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 204 15,356 SH   SOLE 0 15,356 0 0
VANECK VECTORS GOLD MINERS ETF ETF/INTERNATIONAL EQUITY 92189F106 146 4,970 SH   SOLE 0 4,920 0 50
VANECK VECTORS GOLD MINERS ETF ETF/INTERNATIONAL EQUITY 92189F106 591 20,045 SH   DFND 0 20,045 0 0
VANECK VECTORS ETF TR GREEN BD ETF ETF/FIXED INCOME 92189F171 5 190 SH   SOLE 0 190 0 0
VANECK VECTORS CHINAAMC CHINA BOND ETF ETF/INTERNATIONAL FIXED INCOME 92189F379 15 600 SH   DFND 0 600 0 0
VANGUARD DIVIDEND APPRECIATION ETF ETF/EQUITY 921908844 1,259 8,198 SH   SOLE 0 8,198 0 0
VANGUARD DIVIDEND APPRECIATION ETF ETF/EQUITY 921908844 2 16 SH   DFND 0 16 0 0
VANGUARD TOTAL INTL STOCK ETF ETF/INTERNATIONAL EQUITY 921909768 203 3,212 SH   SOLE 0 3,212 0 0
VANGUARD MEGA CAP GROWTH ETF/EQUITY 921910816 20 85 SH   SOLE 0 85 0 0
VANGUARD SHORT TERM BOND ETF ETF/FIXED INCOME 921937827 854 10,422 SH   SOLE 0 10,102 0 320
VANGUARD SHORT TERM BOND ETF ETF/FIXED INCOME 921937827 145 1,772 SH   DFND 0 1,772 0 0
VANGUARD TOTAL BOND MRKT ETF ETF/FIXED INCOME 921937835 1,055 12,342 SH   SOLE 0 12,217 125 0
VANGUARD TOTAL BOND MRKT ETF ETF/FIXED INCOME 921937835 132 1,539 SH   DFND 0 1,539 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF/INTERNATIONAL EQUITY 921943858 497 9,839 SH   SOLE 0 9,839 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF/INTERNATIONAL EQUITY 921943858 217 4,297 SH   DFND 0 4,297 0 0
VANGUARD HIGH DIVIDEND YIELD ETF/EQUITY 921946406 104 1,006 SH   SOLE 0 1,006 0 0
VANGUARD HIGH DIVIDEND YIELD ETF/EQUITY 921946406 32 312 SH   DFND 0 312 0 0
VANGUARD ULTRA SHORT TERM ETF/FIXED INCOME 92203C303 100 2,000 SH   SOLE 0 2,000 0 0
VANGUARD FINANCIALS ETF ETF/EQUITY 92204A405 543 5,865 SH   SOLE 0 5,865 0 0
VANGUARD FINANCIALS ETF ETF/EQUITY 92204A405 248 2,678 SH   DFND 0 2,678 0 0
VANGUARD HEALTH CARE ETF ETF/EQUITY 92204A504 78 317 SH   DFND 0 317 0 0
VANGUARD INDUSTRIALS ETF ETF/EQUITY 92204A603 827 4,400 SH   DFND 0 4,400 0 0
VANGUARD INFO TECH ETF ETF/EQUITY 92204A702 1,285 3,203 SH   SOLE 0 3,203 0 0
VANGUARD INFO TECH ETF ETF/EQUITY 92204A702 403 1,004 SH   DFND 0 1,004 0 0
VANGUARD UTILITIES ETF ETF/EQUITY 92204A876 95 680 SH   SOLE 0 680 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 922042858 3,086 61,713 SH   SOLE 0 61,648 65 0
VANGUARD FTSE EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 922042858 511 10,219 SH   DFND 0 10,219 0 0
VANGUARD SHORT TERM CORP BOND ETF ETF/FIXED INCOME 92206C409 2,504 30,383 SH   SOLE 0 30,318 65 0
VANGUARD SHORT TERM CORP BOND ETF ETF/FIXED INCOME 92206C409 729 8,853 SH   DFND 0 8,853 0 0
VANGUARD INTERM-TERM GOVT BDETF ETF/FIXED INCOME 92206C706 321 4,755 SH   SOLE 0 4,620 0 135
VANGUARD INTERM-TERM GOVT BDETF ETF/FIXED INCOME 92206C706 5 75 SH   DFND 0 75 0 0
VANGUARD LONG TERM TREASURY ETF/FIXED INCOME 92206C847 11 130 SH   SOLE 0 130 0 0
VANGUARD INTERM TERM CORP BDETF ETF/FIXED INCOME 92206C870 7,884 83,515 SH   SOLE 0 83,475 0 40
VANGUARD INTERM TERM CORP BDETF ETF/FIXED INCOME 92206C870 18 190 SH   DFND 0 190 0 0
VANGUARD S&P 500 ETF ETF/EQUITY 922908363 901 2,285 SH   SOLE 0 2,285 0 0
VANGUARD MIDCAP VALUE ETF ETF/EQUITY 922908512 31 225 SH   SOLE 0 225 0 0
VANGUARD MIDCAP VALUE ETF ETF/EQUITY 922908512 49 354 SH   DFND 0 354 0 0
VANGUARD MIDCAP GROWTH ETF ETF/EQUITY 922908538 73 309 SH   DFND 0 309 0 0
VANGUARD REIT ETF ETF/EQUITY 922908553 1,098 10,793 SH   SOLE 0 10,793 0 0
VANGUARD REIT ETF ETF/EQUITY 922908553 50 496 SH   DFND 0 496 0 0
VANGUARD SMALLCAP GROWTH ETF ETF/EQUITY 922908595 18 65 SH   SOLE 0 65 0 0
VANGUARD SMALLCAP VALUE ETF ETF/EQUITY 922908611 237 1,400 SH   SOLE 0 1,400 0 0
VANGUARD MIDCAP ETF ETF/EQUITY 922908629 165 698 SH   SOLE 0 698 0 0
VANGUARD EXTENDED MKT IDX ETF/EQUITY 922908652 1 5 SH   SOLE 0 5 0 0
VANGUARD EXTENDED MKT IDX ETF/EQUITY 922908652 3 16 SH   DFND 0 16 0 0
VANGUARD GROWTH ETF ETF/EQUITY 922908736 61 210 SH   SOLE 0 210 0 0
VANGUARD GROWTH ETF ETF/EQUITY 922908736 116 400 SH   DFND 0 400 0 0
VANGUARD SMALLCAP ETF ETF/EQUITY 922908751 227 1,038 SH   SOLE 0 1,038 0 0
VANGUARD TOTAL STOCK MARKET ETF ETF/EQUITY 922908769 14,205 63,967 SH   DFND 0 63,967 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 9,008 166,824 SH   SOLE 0 166,824 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 2,164 40,078 SH   DFND 0 40,078 0 0
VIATRIS INC COMMON STOCK 92556V106 51 3,793 SH   SOLE 0 3,793 0 0
VIATRIS INC COMMON STOCK 92556V106 32 2,373 SH   DFND 0 2,373 0 0
VISA INC CLASS A COMMON STOCK 92826C839 1,861 8,353 SH   SOLE 0 8,353 0 0
VISA INC CLASS A COMMON STOCK 92826C839 78 349 SH   DFND 0 349 0 0
VODAFONE GROUP PLC ADR FOREIGN EQUITIES 92857W308 4 238 SH   SOLE 0 238 0 0
WABTEC CORP COMMON STOCK 929740108 1 7 SH   SOLE 0 7 0 0
WABTEC CORP COMMON STOCK 929740108 3 38 SH   DFND 0 38 0 0
WAL MART STORES INC COMMON STOCK 931142103 4,782 34,306 SH   SOLE 0 34,306 0 0
WAL MART STORES INC COMMON STOCK 931142103 1,285 9,217 SH   DFND 0 9,217 0 0
WALGREENS BOOTS ALLIANCE INC COMMON STOCK 931427108 4 90 SH   SOLE 0 90 0 0
WALGREENS BOOTS ALLIANCE INC COMMON STOCK 931427108 18 385 SH   DFND 0 385 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109 326 2,182 SH   SOLE 0 2,182 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109 101 675 SH   DFND 0 675 0 0
WELLTOWER INC COMMON STOCK 95040Q104 16 200 SH   DFND 0 200 0 0
WEYERHAEUSER CO COMMON STOCK 962166104 57 1,600 SH   SOLE 0 1,600 0 0
WILLIAMS COMPANIES INC COMMON STOCK 969457100 259 10,000 SH   DFND 0 10,000 0 0
WISDOMTREE US HIGH DIVIDEND ETF ETF/EQUITY 97717W208 1,219 15,840 SH   SOLE 0 15,840 0 0
WISDOMTREE US HIGH DIVIDEND ETF ETF/EQUITY 97717W208 32 412 SH   DFND 0 412 0 0
SPDR GOLD MINISHARES ETF/OTHER 98149E204 78 4,495 SH   SOLE 0 4,495 0 0
XYLEM INC COMMON STOCK 98419M100 5 44 SH   SOLE 0 44 0 0
ZEBRA TECHNOLOGIES CORP CL A COMMON STOCK 989207105 103 200 SH   DFND 0 200 0 0
ZIMMER HOLDINGS INC COMMON STOCK 98956P102 585 4,000 SH   DFND 0 4,000 0 0