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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ALLEGION PLC FOREIGN EQUITIES G0176J109   35,327 331 SH   SOLE 0 331 0 0
AMCOR PLC FOREIGN EQUITIES G0250X107   1,740,600 152,954 SH   SOLE 0 152,954 0 0
AMCOR PLC FOREIGN EQUITIES G0250X107   94,112 8,270 SH   DFND 0 8,270 0 0
EATON CORP PLC FOREIGN EQUITIES G29183103   39,750 232 SH   SOLE 0 232 0 0
EATON CORP PLC FOREIGN EQUITIES G29183103   316,635 1,848 SH   DFND 0 1,848 0 0
LINDE PLC FOREIGN EQUITIES G54950103   53,316 150 SH   SOLE 0 150 0 0
MEDTRONIC PLC FOREIGN EQUITIES G5960L103   32,248 400 SH   DFND 0 400 0 0
TRANE TECHNOLOGIES PLC FOREIGN EQUITIES G8994E103   212,496 1,155 SH   SOLE 0 1,155 0 0
WHITE MTNS INS GROUP LTD FOREIGN EQUITIES G9618E107   92,291 67 SH   SOLE 0 67 0 0
CHUBB LTD FOREIGN EQUITIES H1467J104   2,354,582 12,126 SH   SOLE 0 12,126 0 0
CHUBB LTD FOREIGN EQUITIES H1467J104   116,116 598 SH   DFND 0 598 0 0
UBS GROUP AG FOREIGN EQUITIES H42097107   21,340 1,000 SH   DFND 0 1,000 0 0
LYONDELLBASELL INDUSTRIES NV FOREIGN EQUITIES N53745100   28,167 300 SH   SOLE 0 300 0 0
ACCO BRANDS CORP COMMON STOCK 00081T108   595 112 SH   SOLE 0 112 0 0
AFLAC INC COMMON STOCK 001055102   17,613 273 SH   SOLE 0 273 0 0
AGCO CORP COMMON STOCK 001084102   13,520 100 SH   DFND 0 100 0 0
AT&T INC COMMON STOCK 00206R102   3,232,557 167,926 SH   SOLE 0 167,926 0 0
AT&T INC COMMON STOCK 00206R102   694,920 36,100 SH   DFND 0 36,100 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100   3,629,440 35,843 SH   SOLE 0 35,843 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100   717,727 7,088 SH   DFND 0 7,088 0 0
ABBVIE INC COMMON STOCK 00287Y109   7,460,202 46,811 SH   SOLE 0 46,811 0 0
ABBVIE INC COMMON STOCK 00287Y109   1,752,903 10,999 SH   DFND 0 10,999 0 0
ABRDN BBRG ALL COMMODITY ETF/OTHER 003261104   363,149 17,485 SH   SOLE 0 17,375 0 110
ABRDN BBRG ALL COMMODITY ETF/OTHER 003261104   3,842 185 SH   DFND 0 185 0 0
ADOBE INC COMMON STOCK 00724F101   65,125 169 SH   SOLE 0 169 0 0
AGILENT TECHNOLOGIES INC COMMON STOCK 00846U101   10,513 76 SH   DFND 0 76 0 0
AGENUS INC COMMON STOCK 00847G705   453 300 SH   SOLE 0 300 0 0
AIM IMMUNOTECH INC COMMON STOCK 00901B105   5,687 13,226 SH   SOLE 0 13,226 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106   1,270,572 4,424 SH   SOLE 0 4,424 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106   491,973 1,713 SH   DFND 0 1,713 0 0
ALBEMARLE CORP COMMON STOCK 012653101   1,270,966 5,750 SH   SOLE 0 5,750 0 0
ALBEMARLE CORP COMMON STOCK 012653101   550,389 2,490 SH   DFND 0 2,490 0 0
ALGONQUIN PWR UTILS CORP FOREIGN EQUITIES 015857105   8,400 1,000 SH   SOLE 0 1,000 0 0
ALLIANCEBERNSTEIN HLDG LP COMMON STOCK 01881G106   18,280 500 SH   DFND 0 500 0 0
THE ALLSTATE CORPORATION COMMON STOCK 020002101   11,081 100 SH   DFND 0 100 0 0
ALPHABET INC CLASS C COMMON STOCK 02079K107   863,200 8,300 SH   SOLE 0 8,300 0 0
ALPHABET INC CLASS C COMMON STOCK 02079K107   47,840 460 SH   DFND 0 460 0 0
ALPHABET INC CLASS A COMMON STOCK 02079K305   3,453,030 33,289 SH   SOLE 0 33,289 0 0
ALPHABET INC CLASS A COMMON STOCK 02079K305   948,091 9,140 SH   DFND 0 9,140 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103   161,531 3,621 SH   SOLE 0 3,621 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103   45,680 1,024 SH   DFND 0 1,024 0 0
AMAZON.COM INC COMMON STOCK 023135106   2,488,941 24,097 SH   SOLE 0 24,097 0 0
AMAZON.COM INC COMMON STOCK 023135106   728,192 7,050 SH   DFND 0 7,050 0 0
AMEREN CORPORATION COMMON STOCK 023608102   215,802 2,498 SH   SOLE 0 2,498 0 0
AMERICAN ELECTRIC POWER CO COMMON STOCK 025537101   1,435,074 15,772 SH   SOLE 0 15,772 0 0
AMERICAN ELECTRIC POWER CO COMMON STOCK 025537101   204,726 2,250 SH   DFND 0 2,250 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109   1,290,884 7,826 SH   SOLE 0 7,826 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109   31,669 192 SH   DFND 0 192 0 0
AMERICAN TOWER CORP COMMON STOCK 03027X100   624,258 3,055 SH   SOLE 0 3,055 0 0
AMERICAN TOWER CORP COMMON STOCK 03027X100   204,340 1,000 SH   DFND 0 1,000 0 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103   161,139 1,100 SH   SOLE 0 1,100 0 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103   146,490 1,000 SH   DFND 0 1,000 0 0
AMETEK INC COMMON STOCK 031100100   581,320 4,000 SH   SOLE 0 4,000 0 0
AMETEK INC COMMON STOCK 031100100   290,660 2,000 SH   DFND 0 2,000 0 0
AMGEN INC COMMON STOCK 031162100   3,055,213 12,638 SH   SOLE 0 12,638 0 0
AMGEN INC COMMON STOCK 031162100   717,028 2,966 SH   DFND 0 2,966 0 0
ELEVANCE HEALTH INC COMMON STOCK 036752103   1,438,254 3,128 SH   SOLE 0 3,128 0 0
ELEVANCE HEALTH INC COMMON STOCK 036752103   73,568 160 SH   DFND 0 160 0 0
APOLLO COMM REAL ESTATE COMMON STOCK 03762U105   18,620 2,000 SH   DFND 0 2,000 0 0
APPLE INC COMMON STOCK 037833100   67,209,909 407,580 SH   SOLE 0 407,580 0 0
APPLE INC COMMON STOCK 037833100   928,714 5,632 SH   DFND 0 5,632 0 0
APPLIED MATERIALS INC COMMON STOCK 038222105   61,415 500 SH   SOLE 0 500 0 0
ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102   618,066 7,760 SH   SOLE 0 7,760 0 0
ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102   67,702 850 SH   DFND 0 850 0 0
ARES CAPITAL CORPORATION COMMON STOCK 04010L103   18,270 1,000 SH   SOLE 0 1,000 0 0
ASCENT SOLAR TECHNOLOGIES COMMON STOCK 043635606   4 11 SH   SOLE 0 11 0 0
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103   2,796,190 12,560 SH   SOLE 0 12,560 0 0
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103   285,854 1,284 SH   DFND 0 1,284 0 0
AVANOS MEDICAL INC COMMON STOCK 05350V106   743 25 SH   DFND 0 25 0 0
BCE INC FOREIGN EQUITIES 05534B760   42,102 940 SH   DFND 0 940 0 0
BP PLC ADR FOREIGN EQUITIES 055622104   9,027 238 SH   SOLE 0 238 0 0
BP PLC ADR FOREIGN EQUITIES 055622104   72,446 1,910 SH   DFND 0 1,910 0 0
BANK OF AMERICA CORPORATION COMMON STOCK 060505104   528,795 18,496 SH   SOLE 0 18,496 0 0
BANK OF AMERICA CORPORATION COMMON STOCK 060505104   218,912 7,657 SH   DFND 0 7,657 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100   85,453 1,881 SH   SOLE 0 1,881 0 0
BARRICK GOLD CORPORATION FOREIGN EQUITIES 067901108   3,712 200 SH   SOLE 0 200 0 0
BAXTER INTERNATIONAL INC COMMON STOCK 071813109   794,853 19,597 SH   SOLE 0 19,597 0 0
BAXTER INTERNATIONAL INC COMMON STOCK 071813109   40,560 1,000 SH   DFND 0 1,000 0 0
BECTON DICKINSON AND COMPANY COMMON STOCK 075887109   1,258,738 5,085 SH   SOLE 0 5,085 0 0
BECTON DICKINSON AND COMPANY COMMON STOCK 075887109   495 2 SH   DFND 0 2 0 0
BERKSHIRE HATHAWAY INC B COMMON STOCK 084670702   255,344 827 SH   SOLE 0 827 0 0
BERKSHIRE HILLS BANCORP INC COMMON STOCK 084680107   6,613 264 SH   DFND 0 264 0 0
BHP GROUP LTD ADR FOREIGN EQUITIES 088606108   348,700 5,500 SH   SOLE 0 5,500 0 0
BHP GROUP LTD ADR FOREIGN EQUITIES 088606108   31,700 500 SH   DFND 0 500 0 0
BIOGEN INC COMMON STOCK 09062X103   222,416 800 SH   DFND 0 800 0 0
BIONTECH SE ADR FOREIGN EQUITIES 09075V102   12,457 100 SH   SOLE 0 100 0 0
BIONTECH SE ADR FOREIGN EQUITIES 09075V102   12,457 100 SH   DFND 0 100 0 0
BLACKBERRY LTD NPV FOREIGN EQUITIES 09228F103   377 83 SH   DFND 0 83 0 0
BLACKROCK INC COMMON STOCK 09247X101   709,253 1,060 SH   SOLE 0 1,060 0 0
BLACKROCK INC COMMON STOCK 09247X101   454,994 680 SH   DFND 0 680 0 0
BLACKROCK ENHANCED EQT DIV ETF/EQUITY 09251A104   48,988 5,703 SH   DFND 0 5,703 0 0
BLACKSTONE GROUP INC COMMON STOCK 09260D107   8,784 100 SH   DFND 0 100 0 0
BOEING COMPANY COMMON STOCK 097023105   233,673 1,100 SH   SOLE 0 1,100 0 0
BOEING COMPANY COMMON STOCK 097023105   42,486 200 SH   DFND 0 200 0 0
BORGWARNER INC COMMON STOCK 099724106   967,213 19,695 SH   SOLE 0 19,695 0 0
BORGWARNER INC COMMON STOCK 099724106   12,277 250 SH   DFND 0 250 0 0
BRISTOL MYERS SQUIBB COMPANY COMMON STOCK 110122108   7,529,487 108,636 SH   SOLE 0 108,636 0 0
BRISTOL MYERS SQUIBB COMPANY COMMON STOCK 110122108   6,904,585 99,619 SH   DFND 0 99,619 0 0
BROADCOM INC COMMON STOCK 11135F101   2,930,445 4,568 SH   SOLE 0 4,568 0 0
BROADCOM INC COMMON STOCK 11135F101   998,854 1,557 SH   DFND 0 1,557 0 0
BROOKFIELD CORP NPV FOREIGN EQUITIES 11271J107   49,797 1,528 SH   DFND 0 1,528 0 0
BROOKFIELD ASSET MGMT LTD FOREIGN EQUITIES 113004105   12,499 382 SH   DFND 0 382 0 0
C H ROBINSON WORLDWIDE INC COMMON STOCK 12541W209   29,810 300 SH   DFND 0 300 0 0
CIGNA GROUP COMMON STOCK 125523100   344,198 1,347 SH   SOLE 0 1,347 0 0
CSX CORP COMMON STOCK 126408103   662,649 22,140 SH   SOLE 0 22,140 0 0
CSX CORP COMMON STOCK 126408103   1,345,652 44,960 SH   DFND 0 44,960 0 0
CVS HEALTH CORP COMMON STOCK 126650100   2,588,107 34,829 SH   SOLE 0 34,829 0 0
CVS HEALTH CORP COMMON STOCK 126650100   567,130 7,632 SH   DFND 0 7,632 0 0
CAMPBELL SOUP CO COMMON STOCK 134429109   21,988 400 SH   DFND 0 400 0 0
CANADIAN NAT RES LTD COM FOREIGN EQUITIES 13638510C   3,043 55 SH   SOLE 0 55 0 0
CARDINAL HEALTH INC COMMON STOCK 14149Y108   5,511 73 SH   DFND 0 73 0 0
CARRIER GLOBAL CORPORATION COMMON STOCK 14448C104   468,245 10,235 SH   SOLE 0 10,235 0 0
CARRIER GLOBAL CORPORATION COMMON STOCK 14448C104   54,439 1,190 SH   DFND 0 1,190 0 0
CATERPILLAR INC COMMON STOCK 149123101   4,609,975 20,145 SH   SOLE 0 20,145 0 0
CATERPILLAR INC COMMON STOCK 149123101   226,551 990 SH   DFND 0 990 0 0
CEL SCI CORP COMMON STOCK 150837607   1,155 500 SH   SOLE 0 500 0 0
CHARTER COMMUNICATIONS INC NCL A COMMON STOCK 16119P108   19,310 54 SH   SOLE 0 54 0 0
THE CHEMOURS CO COMMON STOCK 163851108   1,795 60 SH   SOLE 0 60 0 0
THE CHEMOURS CO COMMON STOCK 163851108   10,774 360 SH   DFND 0 360 0 0
CHEVRON CORP COMMON STOCK 166764100   4,929,209 30,211 SH   SOLE 0 30,211 0 0
CHEVRON CORP COMMON STOCK 166764100   936,046 5,737 SH   DFND 0 5,737 0 0
CHIPOTLE MEXICAN GRILL COMMON STOCK 169656105   8,541 5 SH   SOLE 0 5 0 0
CHURCH & DWIGHT CO INC COMMON STOCK 171340102   176,800 2,000 SH   SOLE 0 2,000 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102   8,421,151 161,110 SH   SOLE 0 161,110 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102   1,578,182 30,193 SH   DFND 0 30,193 0 0
CITIGROUP INC COMMON STOCK 172967424   14,064 300 SH   DFND 0 300 0 0
CITIZENS FINANCIAL GROUP INC COMMON STOCK 174610105   3,036 100 SH   SOLE 0 100 0 0
COCA COLA COMPANY COMMON STOCK 191216100   8,312,630 134,032 SH   SOLE 0 134,032 0 0
COCA COLA COMPANY COMMON STOCK 191216100   715,460 11,536 SH   DFND 0 11,536 0 0
COHERENT CORP COMMON STOCK 19247G107   7,614 200 SH   DFND 0 200 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103   1,676,145 22,304 SH   SOLE 0 22,304 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103   178,857 2,380 SH   DFND 0 2,380 0 0
COMCAST CORP CLASS A COMMON STOCK 20030N101   2,283,768 60,258 SH   SOLE 0 60,258 0 0
COMCAST CORP CLASS A COMMON STOCK 20030N101   181,500 4,789 SH   DFND 0 4,789 0 0
COMMUNITY BK SYS INC COMMON STOCK 203607106   469,470 8,944 SH   SOLE 0 8,944 0 0
COMMUNITY BK SYS INC COMMON STOCK 203607106   6,494,115 123,721 SH   DFND 0 123,721 0 0
CONAGRA FOODS INC COMMON STOCK 205887102   870,453 23,175 SH   SOLE 0 23,175 0 0
CONAGRA FOODS INC COMMON STOCK 205887102   43,194 1,150 SH   DFND 0 1,150 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104   1,377,618 13,886 SH   SOLE 0 13,886 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104   20,437 206 SH   DFND 0 206 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104   139,678 1,460 SH   SOLE 0 1,460 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104   258,308 2,700 SH   DFND 0 2,700 0 0
CONSTELLATION BRANDS INC COMMON STOCK 21036P108   225,890 1,000 SH   SOLE 0 1,000 0 0
CONSTELLATION BRANDS INC COMMON STOCK 21036P108   225,890 1,000 SH   DFND 0 1,000 0 0
CONSTELLATION ENERGY CORP COMMON STOCK 21037T109   15,700 200 SH   SOLE 0 200 0 0
CONSTELLATION ENERGY CORP COMMON STOCK 21037T109   22,137 282 SH   DFND 0 282 0 0
COOPER COMPANIES INC COMMON STOCK 216648402   99,311 266 SH   SOLE 0 266 0 0
CORNING INC COMMON STOCK 219350105   1,987,867 56,362 SH   SOLE 0 56,362 0 0
CORNING INC COMMON STOCK 219350105   96,992 2,750 SH   DFND 0 2,750 0 0
CORTEVA INC COMMON STOCK 22052L104   343,579 5,697 SH   SOLE 0 5,697 0 0
CORTEVA INC COMMON STOCK 22052L104   58,740 974 SH   DFND 0 974 0 0
COSTCO COMMON STOCK 22160K105   10,930 22 SH   SOLE 0 22 0 0
COUPANG INC CL A FOREIGN EQUITIES 22266T109   3,200 200 SH   DFND 0 200 0 0
CROCS INC COMMON STOCK 227046109   111,899 885 SH   SOLE 0 885 0 0
CUMMINS INC COMMON STOCK 231021106   2,131,998 8,925 SH   SOLE 0 8,925 0 0
CUMMINS INC COMMON STOCK 231021106   547,035 2,290 SH   DFND 0 2,290 0 0
DANAHER CORP COMMON STOCK 235851102   121,482 482 SH   SOLE 0 482 0 0
DEERE & COMPANY COMMON STOCK 244199105   516,082 1,250 SH   SOLE 0 1,250 0 0
DEERE & COMPANY COMMON STOCK 244199105   237,406 575 SH   DFND 0 575 0 0
DELL TECHNOLOGIES INC COMMON STOCK 24703L202   1,125 28 SH   DFND 0 28 0 0
DIGI INTL INC COMMON STOCK 253798102   13,472 400 SH   DFND 0 400 0 0
DIGITAL REALTY TRUST INC COMMON STOCK 253868103   10,420 106 SH   SOLE 0 106 0 0
DIME CMNTY BANCSHARES INC COMMON STOCK 25432X102   4,542 200 SH   SOLE 0 200 0 0
WALT DISNEY CO COMMON STOCK 254687106   2,511,815 25,086 SH   SOLE 0 25,086 0 0
WALT DISNEY CO COMMON STOCK 254687106   162,504 1,623 SH   DFND 0 1,623 0 0
DISCOVER FINANCIAL SERVICES COMMON STOCK 254709108   9,093 92 SH   SOLE 0 92 0 0
DOLLAR GENERAL CORP COMMON STOCK 256677105   469,318 2,230 SH   SOLE 0 2,230 0 0
DOLLAR GENERAL CORP COMMON STOCK 256677105   92,602 440 SH   DFND 0 440 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109   2,702,526 48,346 SH   SOLE 0 48,346 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109   406,781 7,277 SH   DFND 0 7,277 0 0
DORCHESTER MINERALS LP COMMON STOCK 25820R105   1,528,885 50,475 SH   SOLE 0 50,475 0 0
DOVER CORP COMMON STOCK 260003108   5,469 36 SH   SOLE 0 36 0 0
DOW INC COMMON STOCK 260557103   2,742,698 50,041 SH   SOLE 0 50,041 0 0
DOW INC COMMON STOCK 260557103   141,128 2,575 SH   DFND 0 2,575 0 0
DRAFTKINGS INC CL A COMMON STOCK 26142V105   3,872 200 SH   SOLE 0 200 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204   146,633 1,520 SH   SOLE 0 1,520 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204   26,529 275 SH   DFND 0 275 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102   3,324,193 46,318 SH   SOLE 0 46,318 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102   204,251 2,846 SH   DFND 0 2,846 0 0
EOG RESOURCES INC COMMON STOCK 26875P101   571,874 4,989 SH   SOLE 0 4,989 0 0
EOG RESOURCES INC COMMON STOCK 26875P101   5,731 50 SH   DFND 0 50 0 0
EASTMAN CHEMICAL CO COMMON STOCK 277432100   262,803 3,116 SH   SOLE 0 3,116 0 0
EBAY INC COMMON STOCK 278642103   8,872 200 SH   SOLE 0 200 0 0
ECOLAB INC COMMON STOCK 278865100   198,635 1,200 SH   SOLE 0 1,200 0 0
EDISON INTL COMMON STOCK 281020107   263,088 3,727 SH   DFND 0 3,727 0 0
EDWARDS LIFESCIENCES CORP COMMON STOCK 28176E108   3,474 42 SH   SOLE 0 42 0 0
EDWARDS LIFESCIENCES CORP COMMON STOCK 28176E108   79,411 960 SH   DFND 0 960 0 0
EMERSON ELECTRIC CO COMMON STOCK 291011104   5,032,900 57,757 SH   SOLE 0 57,757 0 0
EMERSON ELECTRIC CO COMMON STOCK 291011104   582,439 6,684 SH   DFND 0 6,684 0 0
ENBRIDGE INC FOREIGN EQUITIES 29250N105   40,047 1,050 SH   SOLE 0 1,050 0 0
ENBRIDGE INC FOREIGN EQUITIES 29250N105   40,008 1,049 SH   DFND 0 1,049 0 0
ENERGY TRANSFER EQUITY LP COMMON STOCK 29273V100   26,062 2,090 SH   DFND 0 2,090 0 0
ENTERPRISE PRODS PARTNERS LP COMMON STOCK 293792107   28,427 1,098 SH   SOLE 0 1,098 0 0
EQUIFAX INC COMMON STOCK 294429105   557,810 2,750 SH   SOLE 0 2,750 0 0
EQUIFAX INC COMMON STOCK 294429105   202,840 1,000 SH   DFND 0 1,000 0 0
ERICSSON L M TEL CO ADR B SEK 10 FOREIGN EQUITIES 294821608   936 160 SH   DFND 0 160 0 0
ESCO TECHNOLOGIES COMMON STOCK 296315104   8,017 84 SH   DFND 0 84 0 0
ESSENTIAL UTILITIES INC COMMON STOCK 29670G102   1,078,485 24,708 SH   SOLE 0 24,708 0 0
ESSENTIAL UTILITIES INC COMMON STOCK 29670G102   90,047 2,063 SH   DFND 0 2,063 0 0
EXELON CORP COMMON STOCK 30161N101   973,791 23,252 SH   SOLE 0 23,252 0 0
EXELON CORP COMMON STOCK 30161N101   129,199 3,085 SH   DFND 0 3,085 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102   6,289,749 57,357 SH   SOLE 0 57,357 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102   1,637,988 14,937 SH   DFND 0 14,937 0 0
FS KKR CAPITAL CORP COMMON STOCK 302635206   11,488 621 SH   SOLE 0 621 0 0
META PLATFORMS INC COMMON STOCK 30303M102   59,343 280 SH   DFND 0 280 0 0
FASTENAL CO COMMON STOCK 311900104   334,366 6,200 SH   SOLE 0 6,200 0 0
FEDEX CORP COMMON STOCK 31428X106   580,353 2,540 SH   SOLE 0 2,540 0 0
FEDEX CORP COMMON STOCK 31428X106   19,421 85 SH   DFND 0 85 0 0
FIDELITY NATL INFORMATION SV COMMON STOCK 31620M106   54,330 1,000 SH   SOLE 0 1,000 0 0
FIDELITY NATL INFORMATION SV COMMON STOCK 31620M106   54,330 1,000 SH   DFND 0 1,000 0 0
FIFTH THIRD BANCORP COMMON STOCK 316773100   17,442 655 SH   DFND 0 655 0 0
FIRST HORIZON NATL CORP COMMON STOCK 320517105   8,885 500 SH   SOLE 0 500 0 0
FIRST SOLAR, INC. COMMON STOCK 336433107   1,087,500 5,000 SH   DFND 0 5,000 0 0
FLEXSHARES GLOBAL UPSTREAM NATURAL RESOURCES ETF/INTERNATIONAL EQUITY 33939L407   1,479,932 34,995 SH   SOLE 0 34,995 0 0
FLEXSHARES GLOBAL UPSTREAM NATURAL RESOURCES ETF/INTERNATIONAL EQUITY 33939L407   65,548 1,550 SH   DFND 0 1,550 0 0
FORD MOTOR COMPANY COMMON STOCK 345370860   24,658 1,957 SH   SOLE 0 1,957 0 0
FORD MOTOR COMPANY COMMON STOCK 345370860   10,080 800 SH   DFND 0 800 0 0
FORTUNE BRANDS HOME & SEC COMMON STOCK 34964C106   28,185 480 SH   SOLE 0 480 0 0
FOX CORP COMMON STOCK 35137L105   187,220 5,500 SH   SOLE 0 5,500 0 0
FRANCO NEVADA CORP FOREIGN EQUITIES 351858105   19,245 132 SH   DFND 0 132 0 0
FRANKLIN FTSE CANADA ETF/INTERNATIONAL EQUITY 35473P827   388,000 12,610 SH   SOLE 0 12,455 0 155
FRANKLIN FTSE CANADA ETF/INTERNATIONAL EQUITY 35473P827   11,846 385 SH   DFND 0 385 0 0
FREEPORT MCMORAN INC COMMON STOCK 35671D857   463,189 11,325 SH   SOLE 0 11,325 0 0
FREEPORT MCMORAN INC COMMON STOCK 35671D857   22,495 550 SH   DFND 0 550 0 0
FRESENIUS MEDICAL CARE AG & CO KGAA FOREIGN EQUITIES 358029106   2,125 100 SH   DFND 0 100 0 0
GABELLI MULTIMEDIA TR INC CLOSED END MUTUAL FUNDS 36239Q109   1,686 299 SH   DFND 0 299 0 0
GABELLI EQUITY TR INC CLOSED END MUTUAL FUNDS 362397101   5,740 1,000 SH   DFND 0 1,000 0 0
GABELLI UTILITY TRUST CLOSED END MUTUAL FUNDS 36240A101   2,359 330 SH   DFND 0 330 0 0
GE HEALTHCARE TECH COMMON STOCK 36266G107   50,852 620 SH   SOLE 0 620 0 0
GE HEALTHCARE TECH COMMON STOCK 36266G107   36,830 449 SH   DFND 0 449 0 0
GAP INC COMMON STOCK 364760108   20,080 2,000 SH   SOLE 0 2,000 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108   1,800,790 7,891 SH   SOLE 0 7,891 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108   54,770 240 SH   DFND 0 240 0 0
GENERAL ELECTRIC CO COMMON STOCK 369604301   209,840 2,195 SH   SOLE 0 2,195 0 0
GENERAL ELECTRIC CO COMMON STOCK 369604301   129,728 1,357 SH   DFND 0 1,357 0 0
GENERAL MILLS INC COMMON STOCK 370334104   3,636,224 42,549 SH   SOLE 0 42,549 0 0
GENERAL MILLS INC COMMON STOCK 370334104   323,893 3,790 SH   DFND 0 3,790 0 0
GENERAL MOTORS CO COMMON STOCK 37045V100   7,336 200 SH   DFND 0 200 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103   1,439,354 17,348 SH   SOLE 0 17,348 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103   186,682 2,250 SH   DFND 0 2,250 0 0
GLAXOSMITHKLINE PLC 25P ADR FOREIGN EQUITIES 37733W204   5,691 160 SH   DFND 0 160 0 0
GLOBAL X MLP ETF ETF/EQUITY 37954Y343   28,281 680 SH   SOLE 0 680 0 0
GLOBAL X ROBOTICS & AI ETF ETF/INTERNATIONAL EQUITY 37954Y715   61,576 2,415 SH   SOLE 0 2,385 0 30
GLOBAL X ROBOTICS & AI ETF ETF/INTERNATIONAL EQUITY 37954Y715   1,912 75 SH   DFND 0 75 0 0
GLOBAL X LITHIUM & BATTERY TECH ETF ETF/INTERNATIONAL EQUITY 37954Y855   67,656 1,065 SH   SOLE 0 1,050 0 15
GLOBAL X LITHIUM & BATTERY TECH ETF ETF/INTERNATIONAL EQUITY 37954Y855   1,588 25 SH   DFND 0 25 0 0
GOLDMAN SACHS ACCESS ULTRAST ETF/FIXED INCOME 381430230   99,860 2,000 SH   SOLE 0 2,000 0 0
GOLDMAN SACHS JUST US LARGE CAP EQUITY ETF ETF/EQUITY 381430396   6,160 105 SH   SOLE 0 105 0 0
GRAINGER W W INC COMMON STOCK 384802104   6,888 10 SH   SOLE 0 10 0 0
HALEON PLC FOREIGN EQUITIES 405552100   1,628 200 SH   DFND 0 200 0 0
HANESBRANDS INC COMMON STOCK 410345102   2,625 500 SH   SOLE 0 500 0 0
HARLEY DAVIDSON INC COMMON STOCK 412822108   7,594 200 SH   SOLE 0 200 0 0
HERSHEY CO COMMON STOCK 427866108   76,323 300 SH   SOLE 0 300 0 0
HOME DEPOT INC COMMON STOCK 437076102   3,304,884 11,199 SH   SOLE 0 11,199 0 0
HOME DEPOT INC COMMON STOCK 437076102   45,740 155 SH   DFND 0 155 0 0
HONEYWELL INTL INC COMMON STOCK 438516106   2,012,098 10,528 SH   SOLE 0 10,528 0 0
HONEYWELL INTL INC COMMON STOCK 438516106   39,944 209 SH   DFND 0 209 0 0
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109   4,718,520 19,382 SH   SOLE 0 19,382 0 0
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109   617,143 2,535 SH   DFND 0 2,535 0 0
INCYTE CORP COMMON STOCK 45337C102   7,227 100 SH   SOLE 0 100 0 0
INFINITY PHARMACEUTICALS INC COMMON STOCK 45665G303   900 6,000 SH   SOLE 0 6,000 0 0
INFUSYSTEMS HOLDINGS INC COMMON STOCK 45685K102   7,750 1,000 SH   SOLE 0 1,000 0 0
INGERSOLL RAND INC COMMON STOCK 45687V106   63,707 1,095 SH   SOLE 0 1,095 0 0
INTEL CORP COMMON STOCK 458140100   3,429,247 104,999 SH   SOLE 0 104,999 0 0
INTEL CORP COMMON STOCK 458140100   368,076 11,270 SH   DFND 0 11,270 0 0
INTL BUSINESS MACHINES CORP COMMON STOCK 459200101   11,094,222 84,631 SH   SOLE 0 84,631 0 0
INTL BUSINESS MACHINES CORP COMMON STOCK 459200101   5,588,362 42,630 SH   DFND 0 42,630 0 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103   596,496 16,542 SH   SOLE 0 16,542 0 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103   30,867 856 SH   DFND 0 856 0 0
INVESCO ACTIVELY MANAGD ETF ULTRA SHRT DUR ETF/FIXED INCOME 46090A887   275,212 5,550 SH   SOLE 0 5,550 0 0
INVESCO ACTIVELY MANAGD ETF ULTRA SHRT DUR ETF/FIXED INCOME 46090A887   4,016 81 SH   DFND 0 81 0 0
INVESCO QQQ TRUST ETF/EQUITY 46090E103   939,648 2,928 SH   SOLE 0 2,920 8 0
INVESCO QQQ TRUST ETF/EQUITY 46090E103   102,371 319 SH   DFND 0 319 0 0
INTUIT INC COMMON STOCK 461202103   11,591 26 SH   SOLE 0 26 0 0
INVESCO WILDERHILL CLEAN ENERGY ETF ETF/EQUITY 46137V134   13,938 345 SH   SOLE 0 345 0 0
INVESCO WILDERHILL CLEAN ENERGY ETF ETF/EQUITY 46137V134   13,655 338 SH   DFND 0 338 0 0
INVESCO FTSE RAFI US1000 ETF ETF/EQUITY 46137V613   14,110 90 SH   SOLE 0 90 0 0
INVESCO VARIABLE RATE PFD ETF/EQUITY 46138G870   1,217,700 55,000 SH   SOLE 0 55,000 0 0
INVESCO BULLETSHARES 2028 CORP BOND ETF/FIXED INCOME 46138J643   8,525 425 SH   SOLE 0 425 0 0
INVESCO BULLETSHARES 2027 CORP BOND ETF/FIXED INCOME 46138J783   10,229 530 SH   SOLE 0 530 0 0
INVESCO BULLETSHS 26 CRP ETF ETF/FIXED INCOME 46138J791   10,724 560 SH   SOLE 0 560 0 0
INVESCO BULLETSHARES ETF ETF/FIXED INCOME 46138J825   16,216 800 SH   SOLE 0 800 0 0
INVESCO BULLETSHS 24 CRP ETF ETF/FIXED INCOME 46138J841   458,013 22,245 SH   SOLE 0 21,775 0 470
INVESCO BULLETSHS 24 CRP ETF ETF/FIXED INCOME 46138J841   8,030 390 SH   DFND 0 390 0 0
INVESCO BULLETSHS CORP 2023 ETF/FIXED INCOME 46138J866   5,056 240 SH   SOLE 0 240 0 0
IQVIA HLDGS INC COMMON STOCK 46266C105   19,889 100 SH   SOLE 0 100 0 0
IRIDIUM COMMUNICATIONS INC COMMON STOCK 46269C102   9,289 150 SH   DFND 0 150 0 0
ISHARES SILVER TRUST ETF/OTHER 46428Q109   16,582 750 SH   SOLE 0 750 0 0
ISHARES SILVER TRUST ETF/OTHER 46428Q109   36,813 1,665 SH   DFND 0 1,665 0 0
ISHARES GOLD TRUST ETF/OTHER 464285204   3,891,035 104,150 SH   SOLE 0 104,000 0 150
ISHARES MSCI CANADA ETF ETF/INTERNATIONAL EQUITY 464286509   3,619,066 105,884 SH   SOLE 0 105,844 40 0
ISHARES MSCI CANADA ETF ETF/INTERNATIONAL EQUITY 464286509   82,712 2,420 SH   DFND 0 2,420 0 0
ISHARES MSCI EUROZONE ETF ETF/INTERNATIONAL EQUITY 464286608   98,014 2,175 SH   SOLE 0 2,150 0 25
ISHARES MSCI EUROZONE ETF ETF/INTERNATIONAL EQUITY 464286608   3,154 70 SH   DFND 0 70 0 0
ISHARES SELECT DIVIDEND ETF ETF/EQUITY 464287168   70,308 600 SH   SOLE 0 600 0 0
ISHARES TIPS BOND ETF ETF/FIXED INCOME 464287176   41,894 380 SH   SOLE 0 380 0 0
ISHARES CORE S&P 500 ETF ETF/EQUITY 464287200   42,099,723 102,415 SH   SOLE 0 102,377 38 0
ISHARES CORE S&P 500 ETF ETF/EQUITY 464287200   140,582 342 SH   DFND 0 342 0 0
ISHARES CORE US AGGREGATE BOND ETF ETF/FIXED INCOME 464287226   48,823 490 SH   SOLE 0 490 0 0
ISHARES MSCI EMERGING MKTS ETF ETF/INTERNATIONAL EQUITY 464287234   145,688 3,693 SH   SOLE 0 3,693 0 0
ISHARES IBOXX $ INVMT GRADE CORP BOND ETF ETF/FIXED INCOME 464287242   137,995 1,259 SH   SOLE 0 1,219 40 0
ISHARES S&P 500 GROWTH ETF ETF/EQUITY 464287309   883,012 13,823 SH   SOLE 0 13,823 0 0
ISHARES GLOBAL HEALTHCARE ETF/EQUITY 464287325   2,093,325 25,112 SH   SOLE 0 25,087 0 25
ISHARES GLOBAL HEALTHCARE ETF/EQUITY 464287325   3,334 40 SH   DFND 0 40 0 0
ISHARES S&P 500 VALUE ETF ETF/EQUITY 464287408   821,476 5,413 SH   SOLE 0 5,413 0 0
ISHARES 7-10 YEAR TSY BOND ETF/FIXED INCOME 464287440   860,353 8,680 SH   SOLE 0 8,680 0 0
ISHARES 7-10 YEAR TSY BOND ETF/FIXED INCOME 464287440   7,434 75 SH   DFND 0 75 0 0
ISHARES 1-3 YR TREASURY BOND ETF/FIXED INCOME 464287457   692,766 8,433 SH   SOLE 0 8,433 0 0
ISHARES MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 464287465   2,206,371 30,850 SH   SOLE 0 30,850 0 0
ISHARES MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 464287465   306,605 4,287 SH   DFND 0 4,287 0 0
ISHARES RUSSELL MIDCAP VALUE ETF/EQUITY 464287473   4,046,538 38,103 SH   SOLE 0 38,103 0 0
ISHARES RUSSELL MIDCAP VALUE ETF/EQUITY 464287473   169,920 1,600 SH   DFND 0 1,600 0 0
ISHARES RUSSELL MIDCAP ETF ETF/EQUITY 464287499   124,038 1,774 SH   DFND 0 1,774 0 0
ISHARES CORE S&P MIDCAP ETF ETF/EQUITY 464287507   13,000,539 51,969 SH   SOLE 0 51,949 0 20
ISHARES CORE S&P MIDCAP ETF ETF/EQUITY 464287507   140,086 560 SH   DFND 0 560 0 0
ISHARES RUSSELL 1000 VALUE ETF/EQUITY 464287598   4,053,127 26,620 SH   SOLE 0 26,436 49 135
ISHARES RUSSELL 1000 VALUE ETF/EQUITY 464287598   176,464 1,159 SH   DFND 0 1,159 0 0
ISHARES S&P MIDCAP 400 GROWTH ETF ETF/EQUITY 464287606   284,609 3,980 SH   SOLE 0 3,980 0 0
ISHARES S&P MIDCAP 400 GROWTH ETF ETF/EQUITY 464287606   42,906 600 SH   DFND 0 600 0 0
ISHARES RUSSELL 1000 GROWTH ETF ETF/EQUITY 464287614   5,836,529 23,888 SH   SOLE 0 23,808 0 80
ISHARES RUSSELL 1000 GROWTH ETF ETF/EQUITY 464287614   153,194 627 SH   DFND 0 627 0 0
ISHARES RUSSELL 2000 VALUE ETF/EQUITY 464287630   28,637 209 SH   DFND 0 209 0 0
ISHARES RUSSELL 2000 GROWTH ETF ETF/EQUITY 464287648   31,981 141 SH   DFND 0 141 0 0
ISHARES RUSSELL 2000 ETF ETF/EQUITY 464287655   842,221 4,721 SH   SOLE 0 4,721 0 0
ISHARES RUSSELL 2000 ETF ETF/EQUITY 464287655   112,035 628 SH   DFND 0 628 0 0
ISHARES CORE S&P SMALLCAP ETF ETF/EQUITY 464287804   15,675,725 162,107 SH   SOLE 0 162,051 0 56
ISHARES CORE S&P SMALLCAP ETF ETF/EQUITY 464287804   133,542 1,381 SH   DFND 0 1,381 0 0
ISHARES GLOBAL CLEAN ENERGY ETF/INTERNATIONAL EQUITY 464288224   106,758 5,400 SH   SOLE 0 5,400 0 0
ISHARES GLOBAL CLEAN ENERGY ETF/INTERNATIONAL EQUITY 464288224   17,792 900 SH   DFND 0 900 0 0
ISHARES MSCI ACWI EX US ETF ETF/INTERNATIONAL EQUITY 464288240   2,245,073 46,035 SH   SOLE 0 45,991 44 0
ISHARES MSCI ACWI EX US ETF ETF/INTERNATIONAL EQUITY 464288240   181,366 3,719 SH   DFND 0 3,719 0 0
ISHARES MSCI ACWI ETF ETF/EQUITY 464288257   6,964,680 76,409 SH   SOLE 0 76,409 0 0
ISHARES IBOXX $ HIGH YIELD CORP BOND ETF ETF/FIXED INCOME 464288513   259,781 3,439 SH   SOLE 0 3,399 40 0
ISHARES IBOXX $ HIGH YIELD CORP BOND ETF ETF/FIXED INCOME 464288513   82,560 1,093 SH   DFND 0 1,093 0 0
ISHARES INTERMEDIATE CREDIT BOND ETF ETF/FIXED INCOME 464288638   25,429 496 SH   DFND 0 496 0 0
ISHARES SHORT TERM CORP BOND ETF/FIXED INCOME 464288646   96,025 1,900 SH   DFND 0 1,900 0 0
ISHARES US PREFERRED STOCK ETF/OTHER 464288687   1,788,503 57,306 SH   SOLE 0 57,306 0 0
ISHARES US PREFERRED STOCK ETF/OTHER 464288687   146,058 4,680 SH   DFND 0 4,680 0 0
ISHARES MSCI EAFE VALUE ETF ETF/EQUITY 464288877   1,601 33 SH   SOLE 0 33 0 0
ISHARES CORE HIGH DIVIDEND ETF/EQUITY 46429B663   232,801 2,290 SH   SOLE 0 2,290 0 0
ISHARES CORE HIGH DIVIDEND ETF/EQUITY 46429B663   8,132 80 SH   DFND 0 80 0 0
ISHARES EDGE MSCI MIN VOL USA ETF ETF/EQUITY 46429B697   7,472,568 102,730 SH   SOLE 0 102,615 0 115
ISHARES CORE MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 46432F842   36,928,431 552,408 SH   SOLE 0 552,138 0 270
ISHARES CORE MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 46432F842   281,101 4,205 SH   DFND 0 4,205 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 46434G103   10,326,734 211,657 SH   SOLE 0 211,527 0 130
ISHARES CORE MSCI EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 46434G103   15,856 325 SH   DFND 0 325 0 0
ISHARES MSCI EM EX CHINA ETF/INTERNATIONAL EQUITY 46434G764   1,884,885 38,210 SH   SOLE 0 38,185 0 25
ISHARES MSCI EM EX CHINA ETF/INTERNATIONAL EQUITY 46434G764   2,959 60 SH   DFND 0 60 0 0
ISHARES ESG MSCI EM ETF ETF/INTERNATIONAL EQUITY 46434G863   338,296 10,750 SH   SOLE 0 10,750 0 0
ISHARES IBONDS DEC 2023 ETF ETF/FIXED INCOME 46434VAX8   35,252 1,400 SH   DFND 0 1,400 0 0
ISHARES MSCI ACWI LOW CARBON ETF/EQUITY 46434V464   2,958 20 SH   SOLE 0 20 0 0
ISHARES ESG USD CORP BOND ETF/FIXED INCOME 46435G193   8,628 375 SH   SOLE 0 375 0 0
ISHARES TR ESG AWRE 1 5 YR ETF/FIXED INCOME 46435G243   8,416 350 SH   SOLE 0 350 0 0
ISHARES TR ESG MSCI USA ETF (ESGU) ETF/EQUITY 46435G425   11,306 125 SH   SOLE 0 125 0 0
ISHARES ESG MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 46435G516   357,401 4,975 SH   SOLE 0 4,975 0 0
ISHARES BB RATED CRP BND ETF ETF/FIXED INCOME 46435U473   31,828 700 SH   SOLE 0 700 0 0
ISHARES ESG AWARE MSCI SMALLCAP ETF ETF/EQUITY 46435U663   1,189 35 SH   SOLE 0 35 0 0
ISHARES IBONDS DEC 2030 TERM TSY ETF ETF/FIXED INCOME 46436E593   333,307 16,550 SH   SOLE 0 16,095 0 455
ISHARES IBONDS DEC 2030 TERM TSY ETF ETF/FIXED INCOME 46436E593   7,753 385 SH   DFND 0 385 0 0
ISHARES 0-3 MONTH TREASURY ETF/FIXED INCOME 46436E718   213,725 2,125 SH   SOLE 0 2,090 0 35
ISHARES IBONDS DEC 2028 TERM ETF/FIXED INCOME 46436E833   129,653 5,768 SH   SOLE 0 5,668 0 100
ISHARES IBONDS DEC 2028 TERM ETF/FIXED INCOME 46436E833   3,844 171 SH   DFND 0 171 0 0
JPMORGAN CHASE & CO COMMON STOCK 46625H100   9,956,354 76,406 SH   SOLE 0 76,406 0 0
JPMORGAN CHASE & CO COMMON STOCK 46625H100   976,141 7,491 SH   DFND 0 7,491 0 0
JABIL CIRCUIT INC. COMMON STOCK 466313103   17,630 200 SH   SOLE 0 200 0 0
JPMORGAN EQUITY PREMIUM INC ETF/EQUITY 46641Q332   11,415,358 209,111 SH   SOLE 0 208,896 0 215
JPMORGAN EQUITY PREMIUM INC ETF/EQUITY 46641Q332   20,198 370 SH   DFND 0 370 0 0
JACOBS SOLUTIONS INC COMMON STOCK 46982L108   22,796 194 SH   DFND 0 194 0 0
JANUS DETROIT STREET TR HENDERSON AAA CLO ETF/FIXED INCOME 47103U845   3,241,254 65,480 SH   SOLE 0 65,235 0 245
JANUS DETROIT STREET TR HENDERSON AAA CLO ETF/FIXED INCOME 47103U845   13,365 270 SH   DFND 0 270 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104   9,078,040 58,568 SH   SOLE 0 58,568 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104   1,702,365 10,983 SH   DFND 0 10,983 0 0
JOUNCE THERAPEUTICS INC COMMON STOCK 481116101   1,840 1,000 SH   SOLE 0 1,000 0 0
KLA CORPORATION COMMON STOCK 482480100   8,781 22 SH   SOLE 0 22 0 0
KELLOGG COMPANY COMMON STOCK 487836108   53,560 800 SH   DFND 0 800 0 0
KEURIG DR PEPPER INC COMMON STOCK 49271V100   5,925 168 SH   SOLE 0 168 0 0
KEYCORP COMMON STOCK 493267108   7,562 604 SH   SOLE 0 604 0 0
KEYCORP COMMON STOCK 493267108   6,260 500 SH   DFND 0 500 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103   1,664,723 12,403 SH   SOLE 0 12,403 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103   314,744 2,345 SH   DFND 0 2,345 0 0
KINDER MORGAN INC COMMON STOCK 49456B101   950,859 54,335 SH   SOLE 0 54,335 0 0
KINDER MORGAN INC COMMON STOCK 49456B101   77,175 4,410 SH   DFND 0 4,410 0 0
KOHLS CORP COMMON STOCK 500255104   4,706 200 SH   DFND 0 200 0 0
KRAFT HEINZ COMPANY COMMON STOCK 500754106   90,193 2,333 SH   DFND 0 2,333 0 0
KYNDRYL HOLDINGS INC COMMON STOCK 50155Q100   1,931 131 SH   SOLE 0 131 0 0
KYNDRYL HOLDINGS INC COMMON STOCK 50155Q100   1,180 80 SH   DFND 0 80 0 0
L3HARRIS TECHNOLOGIES INC COMMON STOCK 502431109   5,887 30 SH   DFND 0 30 0 0
LABORATORY CORP AMER HLDGS COMMON STOCK 50540R409   60,564 264 SH   SOLE 0 264 0 0
LAM RESEARCH CORP COMMON STOCK 512807108   774,465 1,461 SH   SOLE 0 1,461 0 0
LAM RESEARCH CORP COMMON STOCK 512807108   37,107 70 SH   DFND 0 70 0 0
ESTEE LAUDER COMP INC CL A COMMON STOCK 518439104   24,646 100 SH   SOLE 0 100 0 0
LIBERTY ALL STAR EQUITY FD CLOSED END MUTUAL FUNDS 530158104   14,898 2,403 SH   SOLE 0 2,403 0 0
LIBERTY ALL STAR EQUITY FD CLOSED END MUTUAL FUNDS 530158104   14,892 2,402 SH   DFND 0 2,402 0 0
ELI LILLY AND COMPANY COMMON STOCK 532457108   1,203,638 3,505 SH   SOLE 0 3,505 0 0
ELI LILLY AND COMPANY COMMON STOCK 532457108   807,012 2,350 SH   DFND 0 2,350 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109   3,188,466 6,745 SH   SOLE 0 6,745 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109   507,221 1,073 SH   DFND 0 1,073 0 0
LOEWS CORP COMMON STOCK 540424108   75,426 1,300 SH   DFND 0 1,300 0 0
LOWES COMPANIES INC COMMON STOCK 548661107   4,330,102 21,654 SH   SOLE 0 21,654 0 0
LOWES COMPANIES INC COMMON STOCK 548661107   310,945 1,555 SH   DFND 0 1,555 0 0
LUMEN TECHNOLOGIES INC COMMON STOCK 550241103   4,475 1,689 SH   DFND 0 1,689 0 0
M & T BANK CORP COMMON STOCK 55261F104   187,365 1,567 SH   SOLE 0 1,567 0 0
M & T BANK CORP COMMON STOCK 55261F104   1,033,681 8,645 SH   DFND 0 8,645 0 0
MGIC INVESTMENT CORP COMMON STOCK 552848103   6,710 500 SH   SOLE 0 500 0 0
MARATHON OIL CORP COMMON STOCK 565849106   479 20 SH   SOLE 0 20 0 0
MARATHON PETROLEUM CORP COMMON STOCK 56585A102   46,381 344 SH   DFND 0 344 0 0
MARKEL CORPORATION COMMON STOCK 570535104   42,154 33 SH   SOLE 0 33 0 0
MASTERCARD INC CLASS A COMMON STOCK 57636Q104   761,323 2,095 SH   SOLE 0 2,095 0 0
MASTERCARD INC CLASS A COMMON STOCK 57636Q104   19,987 55 SH   DFND 0 55 0 0
MASTERBRAND INC COMMON STOCK 57638P104   3,859 480 SH   SOLE 0 480 0 0
MCDONALDS CORP COMMON STOCK 580135101   4,321,763 15,457 SH   SOLE 0 15,457 0 0
MCDONALDS CORP COMMON STOCK 580135101   251,079 898 SH   DFND 0 898 0 0
MCKESSON CORP COMMON STOCK 58155Q103   872,298 2,450 SH   SOLE 0 2,450 0 0
MCKESSON CORP COMMON STOCK 58155Q103   199,382 560 SH   DFND 0 560 0 0
MEDPACE HOLDINGS INC COMMON STOCK 58506Q109   7,522 40 SH   SOLE 0 40 0 0
MERCK & COMPANY INC COMMON STOCK 58933Y105   11,028,077 103,658 SH   SOLE 0 103,658 0 0
MERCK & COMPANY INC COMMON STOCK 58933Y105   1,777,663 16,709 SH   DFND 0 16,709 0 0
METLIFE INC COMMON STOCK 59156R108   55,033 950 SH   SOLE 0 950 0 0
METLIFE INC COMMON STOCK 59156R108   9,268 160 SH   DFND 0 160 0 0
METTLER-TOLEDO INTL COMMON STOCK 592688105   826,313 540 SH   SOLE 0 540 0 0
METTLER-TOLEDO INTL COMMON STOCK 592688105   153,021 100 SH   DFND 0 100 0 0
MICROSOFT CORP COMMON STOCK 594918104   18,425,345 63,913 SH   SOLE 0 63,913 0 0
MICROSOFT CORP COMMON STOCK 594918104   2,472,077 8,575 SH   DFND 0 8,575 0 0
MICRON TECHNOLOGY COMMON STOCK 595112103   19,308 320 SH   SOLE 0 320 0 0
MODERNA INC COMMON STOCK 60770K107   7,679 50 SH   SOLE 0 50 0 0
MOLINA HEALTHCARE INC COMMON STOCK 60855R100   13,374 50 SH   SOLE 0 50 0 0
MONDELEZ INTL INC CL A COMMON STOCK 609207105   440,629 6,320 SH   SOLE 0 6,320 0 0
MONDELEZ INTL INC CL A COMMON STOCK 609207105   193,473 2,775 SH   DFND 0 2,775 0 0
MORGAN STANLEY COMMON STOCK 617446448   1,913,775 21,797 SH   SOLE 0 21,797 0 0
ETF CALVERT US MID-CAP CORE ETF/EQUITY 61774R403   1,953 40 SH   SOLE 0 40 0 0
MURPHY OIL CORPORATION COMMON STOCK 626717102   12,126 328 SH   SOLE 0 328 0 0
MURPHY USA INC COMMON STOCK 626755102   21,159 82 SH   SOLE 0 82 0 0
NBT BANCORP INC COMMON STOCK 628778102   407,499 12,092 SH   SOLE 0 12,092 0 0
NBT BANCORP INC COMMON STOCK 628778102   318,363 9,447 SH   DFND 0 9,447 0 0
NATIONAL FUEL GAS COMPANY COMMON STOCK 636180101   109,706 1,900 SH   SOLE 0 1,900 0 0
NATIONAL FUEL GAS COMPANY COMMON STOCK 636180101   177,608 3,076 SH   DFND 0 3,076 0 0
NATIONAL GRID PLC ADR FOREIGN EQUITIES 636274409   72,952 1,073 SH   DFND 0 1,073 0 0
NETFLIX INC COMMON STOCK 64110L106   120,914 350 SH   SOLE 0 350 0 0
NEW YORK CMNTY BANCORP INC COMMON STOCK 649445103   9,040 1,000 SH   SOLE 0 1,000 0 0
NEW YORK CMNTY BANCORP INC COMMON STOCK 649445103   1,582 175 SH   DFND 0 175 0 0
NEWELL RUBBERMAID INC COMMON STOCK 651229106   9,019 725 SH   SOLE 0 0 0 725
NEXSTAR MEDIA GROUP INC COMMON STOCK 65336K103   8,633 50 SH   SOLE 0 50 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101   3,045,185 39,507 SH   SOLE 0 39,507 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101   1,384,741 17,965 SH   DFND 0 17,965 0 0
NIKE INC CLASS B COMMON STOCK 654106103   2,789,197 22,743 SH   SOLE 0 22,743 0 0
NIKE INC CLASS B COMMON STOCK 654106103   177,950 1,451 SH   DFND 0 1,451 0 0
NOKIA CORP ADR FOREIGN EQUITIES 654902204   147 30 SH   DFND 0 30 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108   1,937,892 9,141 SH   SOLE 0 9,141 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108   262,880 1,240 SH   DFND 0 1,240 0 0
NORTHROP GRUMMAN CORP COMMON STOCK 666807102   11,542 25 SH   SOLE 0 25 0 0
NORTHROP GRUMMAN CORP COMMON STOCK 666807102   92,342 200 SH   DFND 0 200 0 0
NORWOOD FINANCIAL CORP COMMON STOCK 669549107   117,404 3,992 SH   SOLE 0 3,992 0 0
NOVARTIS AG ADR FOREIGN EQUITIES 66987V109   425,776 4,628 SH   SOLE 0 4,628 0 0
NUCOR CORP COMMON STOCK 670346105   5,449,659 35,280 SH   SOLE 0 35,280 0 0
NUCOR CORP COMMON STOCK 670346105   1,024,596 6,633 SH   DFND 0 6,633 0 0
NVIDIA CORPORATION COMMON STOCK 67066G104   1,712,112 6,164 SH   SOLE 0 6,164 0 0
NVIDIA CORPORATION COMMON STOCK 67066G104   173,600 625 SH   DFND 0 625 0 0
OAKTREE SPECIALTY LENDING COMMON STOCK 67401P405   18,770 1,000 SH   SOLE 0 1,000 0 0
OCCIDENTAL PETE CORP W EXP 08/03/2027 WARRANTS & RIGHTS 674599162   574 14 SH   SOLE 0 14 0 0
OLIN CORP COMMON STOCK 680665205   22,200 400 SH   DFND 0 400 0 0
OMNICOM GROUP INC COMMON STOCK 681919106   3,783,864 40,109 SH   SOLE 0 40,109 0 0
OMNICOM GROUP INC COMMON STOCK 681919106   196,697 2,085 SH   DFND 0 2,085 0 0
ONEOK INC COMMON STOCK 682680103   25,034 394 SH   SOLE 0 394 0 0
OPEN LENDING CORP COMMON STOCK 68373J104   1,408 200 SH   SOLE 0 200 0 0
ORACLE CORP COMMON STOCK 68389X105   223,008 2,400 SH   SOLE 0 2,400 0 0
ORACLE CORP COMMON STOCK 68389X105   74,336 800 SH   DFND 0 800 0 0
ORANGE SA ADR FOREIGN EQUITIES 684060106   47,720 4,000 SH   DFND 0 4,000 0 0
ORGANON & CO COMMON STOCK 68622V106   10,183 433 SH   SOLE 0 433 0 0
ORGANON & CO COMMON STOCK 68622V106   2,092 89 SH   DFND 0 89 0 0
OTIS WORLDWIDE CORP COMMON STOCK 68902V107   6,330 75 SH   SOLE 0 75 0 0
OTIS WORLDWIDE CORP COMMON STOCK 68902V107   27,430 325 SH   DFND 0 325 0 0
PNC FINL SVCS GROUP INC COMMON STOCK 693475105   1,342,810 10,565 SH   SOLE 0 10,565 0 0
PNC FINL SVCS GROUP INC COMMON STOCK 693475105   57,830 455 SH   DFND 0 455 0 0
PPG INDUSTRIES INC COMMON STOCK 693506107   66,790 500 SH   SOLE 0 500 0 0
PPL CORP COMMON STOCK 69351T106   13,895 500 SH   DFND 0 500 0 0
PAYCOM SOFTWARE INC COMMON STOCK 70432V102   20,368 67 SH   SOLE 0 67 0 0
PAYCHEX INC COMMON STOCK 704326107   22,918 200 SH   SOLE 0 200 0 0
PAYCHEX INC COMMON STOCK 704326107   77,348 675 SH   DFND 0 675 0 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103   15,188 200 SH   SOLE 0 200 0 0
PEOPLES FINL SVCS CORP COMMON STOCK 711040105   52,787 1,218 SH   SOLE 0 1,218 0 0
PEPSICO INC COMMON STOCK 713448108   10,260,710 56,285 SH   SOLE 0 56,285 0 0
PEPSICO INC COMMON STOCK 713448108   1,132,259 6,211 SH   DFND 0 6,211 0 0
PFIZER INC COMMON STOCK 717081103   5,455,322 133,743 SH   SOLE 0 133,743 0 0
PFIZER INC COMMON STOCK 717081103   1,366,414 33,499 SH   DFND 0 33,499 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109   116,700 1,200 SH   SOLE 0 1,200 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109   67,005 689 SH   DFND 0 689 0 0
PHILLIPS 66 COMMON STOCK 718546104   1,734,797 17,112 SH   SOLE 0 17,112 0 0
PHILLIPS 66 COMMON STOCK 718546104   17,741 175 SH   DFND 0 175 0 0
PIMCO ENHANCED SHORT MAT ESG ETF/FIXED INCOME 72201R643   105,016 1,075 SH   SOLE 0 1,075 0 0
PIMCO ENHANCED LOW DURATION ETF/FIXED INCOME 72201R718   94,880 1,000 SH   SOLE 0 1,000 0 0
PIMCO ENHANCED SHORT MATURE ACTIVE ETF ETF/FIXED INCOME 72201R833   99,250 1,000 SH   SOLE 0 1,000 0 0
PITNEY BOWES INC COMMON STOCK 724479100   3,112 800 SH   DFND 0 800 0 0
PLAINS ALL AMERICAN PIPELINE COMMON STOCK 726503105   37,410 3,000 SH   DFND 0 3,000 0 0
PRINCIPAL SPECTRUM PFD SEC ETF/EQUITY 74255Y888   2,031,062 119,615 SH   SOLE 0 119,615 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109   8,573,978 57,664 SH   SOLE 0 57,664 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109   1,136,280 7,642 SH   DFND 0 7,642 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102   4,798 58 SH   SOLE 0 58 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102   17,789 215 SH   DFND 0 215 0 0
PUBLIC SVC ENTERPRISE GROUP COMMON STOCK 744573106   4,979,568 79,738 SH   SOLE 0 79,738 0 0
PUBLIC SVC ENTERPRISE GROUP COMMON STOCK 744573106   900,961 14,427 SH   DFND 0 14,427 0 0
PULTE GROUP INC COMMON STOCK 745867101   12,236 210 SH   DFND 0 210 0 0
QUALCOMM INC COMMON STOCK 747525103   3,001,552 23,527 SH   SOLE 0 23,527 0 0
QUALCOMM INC COMMON STOCK 747525103   328,518 2,575 SH   DFND 0 2,575 0 0
QUEST DIAGNOSTICS INC COMMON STOCK 74834L100   212,220 1,500 SH   SOLE 0 1,500 0 0
RADIAN GROUP INC COMMON STOCK 750236101   10,382 470 SH   SOLE 0 470 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101   2,753,946 28,122 SH   SOLE 0 28,122 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101   405,618 4,142 SH   DFND 0 4,142 0 0
REALTY INCOME CORP COMMON STOCK 756109104   21,145 334 SH   SOLE 0 334 0 0
REGULUS THERAPEUTICS INC COMMON STOCK 75915K309   579 690 SH   SOLE 0 690 0 0
REPUBLIC SERVICES INC COMMON STOCK 760759100   13,522 100 SH   SOLE 0 100 0 0
RIBBONS COMMUNICATIONS INC COMMON STOCK 762544104   4,788 1,400 SH   SOLE 0 1,400 0 0
ROCKWELL AUTOMATION INC COMMON STOCK 773903109   35,212 120 SH   DFND 0 120 0 0
ROPER INDS INC COMMON STOCK 776696106   278,956 633 SH   SOLE 0 633 0 0
ROYAL BANK OF CANADA FOREIGN EQUITIES 780087102   782,800 8,190 SH   SOLE 0 8,190 0 0
ROYAL BANK OF CANADA FOREIGN EQUITIES 780087102   124,061 1,298 SH   DFND 0 1,298 0 0
SHELL PLC FOREIGN EQUITIES 780259305   5,523 96 SH   SOLE 0 96 0 0
SHELL PLC FOREIGN EQUITIES 780259305   17,262 300 SH   DFND 0 300 0 0
S&P GLOBAL INC COMMON STOCK 78409V104   222,370 645 SH   SOLE 0 645 0 0
S&P GLOBAL INC COMMON STOCK 78409V104   227,885 661 SH   DFND 0 661 0 0
SPDR S&P 500 ETF ETF/EQUITY 78462F103   7,292,422 17,813 SH   SOLE 0 17,813 0 0
SPDR S&P 500 ETF ETF/EQUITY 78462F103   295,576 722 SH   DFND 0 722 0 0
SPDR GOLD SHARES ETF/OTHER 78463V107   54,966 300 SH   SOLE 0 300 0 0
SPDR GOLD SHARES ETF/OTHER 78463V107   783,265 4,275 SH   DFND 0 4,275 0 0
SPDR INTERM CORP BOND ETF ETF/FIXED INCOME 78464A375   857,461 26,400 SH   SOLE 0 25,990 0 410
SPDR INTERM CORP BOND ETF ETF/FIXED INCOME 78464A375   20,137 620 SH   DFND 0 620 0 0
SPDR PORTFOLIO S&P500 GROWTH ETF/EQUITY 78464A409   510,303 9,218 SH   SOLE 0 9,218 0 0
SPDR PORTFOLIO S&P 500 VALUE ETF/EQUITY 78464A508   543,728 13,353 SH   SOLE 0 13,353 0 0
SPDR S&P DIVIDEND ETF ETF/EQUITY 78464A763   29,319 237 SH   SOLE 0 237 0 0
SPDR PORTFOLIO S&P 500 ETF/EQUITY 78464A854   815,027 16,927 SH   SOLE 0 16,707 0 220
SPDR PORTFOLIO S&P 500 ETF/EQUITY 78464A854   4,092 85 SH   DFND 0 85 0 0
SPDR BLACKSTONE/GSO SENIOR LOAN ETF ETF/FIXED INCOME 78467V608   309,009 7,455 SH   SOLE 0 7,455 0 0
SPDR BLACKSTONE/GSO SENIOR LOAN ETF ETF/FIXED INCOME 78467V608   8,621 208 SH   DFND 0 208 0 0
SPDR DOUBLELINE TOTAL RETURNTACT ETF ETF/FIXED INCOME 78467V848   4,625,005 112,750 SH   SOLE 0 112,750 0 0
SPDR S&P MIDCAP 400 ETF ETF/EQUITY 78467Y107   5,890,428 12,850 SH   SOLE 0 12,834 16 0
SPDR S&P MIDCAP 400 ETF ETF/EQUITY 78467Y107   111,391 243 SH   DFND 0 243 0 0
SPDR PORTFOLIO SMALLCAP ETF ETF/EQUITY 78468R853   13,786 365 SH   SOLE 0 365 0 0
SALESFORCE INC COMMON STOCK 79466L302   69,322 347 SH   SOLE 0 347 0 0
SLB FOREIGN EQUITIES 806857108   58,220 1,186 SH   SOLE 0 1,186 0 0
SLB FOREIGN EQUITIES 806857108   62,147 1,266 SH   DFND 0 1,266 0 0
SCHWAB US SMALL CAP ETF ETF/EQUITY 808524607   3,218,510 76,760 SH   SOLE 0 76,610 150 0
SCHWAB US SMALL CAP ETF ETF/EQUITY 808524607   254,511 6,070 SH   DFND 0 6,070 0 0
MATERIALS SELECT SECTOR SPDR ETF/EQUITY 81369Y100   184,927 2,293 SH   SOLE 0 2,293 0 0
MATERIALS SELECT SECTOR SPDR ETF/EQUITY 81369Y100   805,290 9,985 SH   DFND 0 9,985 0 0
HEALTH CARE SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y209   397,045 3,067 SH   SOLE 0 3,067 0 0
CONSUMER STAPLES SECTOR SPDR ETF/EQUITY 81369Y308   243,669 3,262 SH   SOLE 0 3,262 0 0
CONSUMER STAPLES SECTOR SPDR ETF/EQUITY 81369Y308   20,168 270 SH   DFND 0 270 0 0
CONSUMER DISCRET SEL SECT SPDR ETF ETF/EQUITY 81369Y407   231,036 1,545 SH   SOLE 0 1,545 0 0
CONSUMER DISCRET SEL SECT SPDR ETF ETF/EQUITY 81369Y407   21,982 147 SH   DFND 0 147 0 0
ENERGY SELECT SECTOR SPDR ETF/EQUITY 81369Y506   2,435,411 29,403 SH   SOLE 0 29,403 0 0
ENERGY SELECT SECTOR SPDR ETF/EQUITY 81369Y506   228,608 2,760 SH   DFND 0 2,760 0 0
SPDR FINANCIAL SELECT SECTOR ETF/EQUITY 81369Y605   98,862 3,076 SH   SOLE 0 3,076 0 0
SPDR INDUSTRIALS (XLI) ETF/EQUITY 81369Y704   105,227 1,040 SH   SOLE 0 1,040 0 0
TECHNOLOGY SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y803   506,632 3,355 SH   SOLE 0 3,355 0 0
TECHNOLOGY SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y803   40,017 265 SH   DFND 0 265 0 0
SELECT SECTOR SPDR TR COMMUNICATION ETF/EQUITY 81369Y852   111,127 1,917 SH   SOLE 0 1,917 0 0
UTILITIES SELECT SECTOR SPDR ETF/EQUITY 81369Y886   227,774 3,365 SH   SOLE 0 3,365 0 0
UTILITIES SELECT SECTOR SPDR ETF/EQUITY 81369Y886   6,769 100 SH   DFND 0 100 0 0
SEMPRA ENERGY COMMON STOCK 816851109   1,791,839 11,854 SH   SOLE 0 11,854 0 0
SEMPRA ENERGY COMMON STOCK 816851109   121,683 805 SH   DFND 0 805 0 0
SIXTH ST SPECIALTY LENDING COMMON STOCK 83012A109   36,580 2,000 SH   SOLE 0 2,000 0 0
JM SMUCKER COMPANY COMMON STOCK 832696405   5,980 38 SH   DFND 0 38 0 0
SNAP ON INC COMMON STOCK 833034101   74,067 300 SH   DFND 0 300 0 0
SNAP INC COMMON STOCK 83304A106   3,363 300 SH   DFND 0 300 0 0
SOFI TECHNOLOGIES COMMON STOCK 83406F102   1,214 200 SH   SOLE 0 200 0 0
SOUTHERN COMPANY COMMON STOCK 842587107   75,354 1,083 SH   SOLE 0 1,083 0 0
SOUTHERN COMPANY COMMON STOCK 842587107   90,454 1,300 SH   DFND 0 1,300 0 0
SPROTT PHYSICAL GOLD TRUST ETF/OTHER 85207H104   381,150 24,654 SH   SOLE 0 24,654 0 0
STAG INDL INC COMMON STOCK 85254J102   6,762 200 SH   SOLE 0 200 0 0
STARBUCKS CORP COMMON STOCK 855244109   882,282 8,473 SH   SOLE 0 8,473 0 0
STARBUCKS CORP COMMON STOCK 855244109   25,511 245 SH   DFND 0 245 0 0
STATE STREET CORP COMMON STOCK 857477103   46,549 615 SH   SOLE 0 615 0 0
STATE STREET CORP COMMON STOCK 857477103   60,552 800 SH   DFND 0 800 0 0
STRYKER CORP COMMON STOCK 863667101   1,835,781 6,431 SH   SOLE 0 6,431 0 0
STRYKER CORP COMMON STOCK 863667101   36,824 129 SH   DFND 0 129 0 0
SUBURBAN PROPANE PARTNERS LP COMMON STOCK 864482104   10,111 660 SH   SOLE 0 660 0 0
SUN COMMUNITIES INC COMMON STOCK 866674104   31,134 221 SH   SOLE 0 221 0 0
SUNCOKE ENERGY INC COMMON STOCK 86722A103   1,957 218 SH   DFND 0 218 0 0
SYSCO CORP COMMON STOCK 871829107   661,389 8,565 SH   SOLE 0 8,565 0 0
SYSCO CORP COMMON STOCK 871829107   108,108 1,400 SH   DFND 0 1,400 0 0
TJX COMPANIES COMMON STOCK 872540109   302,076 3,855 SH   SOLE 0 3,855 0 0
TJX COMPANIES COMMON STOCK 872540109   8,071 103 SH   DFND 0 103 0 0
T MOBILE US INC COMMON STOCK 872590104   91,538 632 SH   DFND 0 632 0 0
TAKEDA PHARMACEUTICAL CO LTDSPONSORED ADS FOREIGN EQUITIES 874060205   9,783 594 SH   DFND 0 594 0 0
TARGET CORP COMMON STOCK 87612E106   2,631,638 15,889 SH   SOLE 0 15,889 0 0
TARGET CORP COMMON STOCK 87612E106   107,984 652 SH   DFND 0 652 0 0
TELEDYNE TECHNOLOGIES INC COMMON STOCK 879360105   83,654 187 SH   DFND 0 187 0 0
TENARIS SA ADR FOREIGN EQUITIES 88031M109   28,410 1,000 SH   SOLE 0 1,000 0 0
TERADATA CORP COMMON STOCK 88076W103   4,349 108 SH   DFND 0 108 0 0
TESLA MOTORS INC COMMON STOCK 88160R101   173,851 838 SH   SOLE 0 838 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104   5,665,808 30,460 SH   SOLE 0 30,460 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104   183,217 985 SH   DFND 0 985 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102   1,575,749 2,734 SH   SOLE 0 2,734 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102   314,116 545 SH   DFND 0 545 0 0
3M COMPANY COMMON STOCK 88579Y101   1,336,978 12,720 SH   SOLE 0 12,720 0 0
3M COMPANY COMMON STOCK 88579Y101   170,278 1,620 SH   DFND 0 1,620 0 0
TOMPKINS FINANCIAL CORP COMMON STOCK 890110109   132,400 2,000 SH   SOLE 0 2,000 0 0
TOMPKINS FINANCIAL CORP COMMON STOCK 890110109   284,660 4,300 SH   DFND 0 4,300 0 0
TORONTO DOMINION BANK FOREIGN EQUITIES 891160509   603,672 10,078 SH   SOLE 0 10,078 0 0
TORONTO DOMINION BANK FOREIGN EQUITIES 891160509   37,437 625 SH   DFND 0 625 0 0
TOTAL SA ADR FOREIGN EQUITIES 89151E109   10,627 180 SH   SOLE 0 180 0 0
TOYOTA MOTOR CORP FOREIGN EQUITIES 892331307   85,014 600 SH   DFND 0 600 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109   1,402,969 8,185 SH   SOLE 0 8,185 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109   76,275 445 SH   DFND 0 445 0 0
TRUIST FINANCIAL CORP COMMON STOCK 89832Q109   2,729,101 80,057 SH   SOLE 0 80,057 0 0
TRUIST FINANCIAL CORP COMMON STOCK 89832Q109   152,888 4,485 SH   DFND 0 4,485 0 0
US BANCORP COMMON STOCK 902973304   2,062,519 57,229 SH   SOLE 0 57,229 0 0
US BANCORP COMMON STOCK 902973304   257,504 7,145 SH   DFND 0 7,145 0 0
UNION PACIFIC CORP COMMON STOCK 907818108   1,523,730 7,571 SH   SOLE 0 7,571 0 0
UNION PACIFIC CORP COMMON STOCK 907818108   630,949 3,135 SH   DFND 0 3,135 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106   5,324,947 27,450 SH   SOLE 0 27,450 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106   326,478 1,683 SH   DFND 0 1,683 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102   3,322,192 7,030 SH   SOLE 0 7,030 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102   656,884 1,390 SH   DFND 0 1,390 0 0
VBI VACCINES INC COMMON STOCK 91822J103   2,550 8,500 SH   SOLE 0 8,500 0 0
VANECK VECTORS GOLD MINERS ETF ETF/INTERNATIONAL EQUITY 92189F106   646,800 20,000 SH   DFND 0 20,000 0 0
VANECK VECTORS ETF TR GREEN BD ETF ETF/FIXED INCOME 92189F171   2,350 100 SH   SOLE 0 100 0 0
VANGUARD DIVIDEND APPRECIATION ETF ETF/EQUITY 921908844   1,165,851 7,570 SH   SOLE 0 7,570 0 0
VANGUARD TOTAL INTL STOCK ETF ETF/INTERNATIONAL EQUITY 921909768   208,214 3,772 SH   SOLE 0 3,772 0 0
VANGUARD MEGA CAP GROWTH ETF/EQUITY 921910816   17,383 85 SH   SOLE 0 85 0 0
VANGUARD SHORT TERM BOND ETF ETF/FIXED INCOME 921937827   457,408 5,980 SH   SOLE 0 5,980 0 0
VANGUARD SHORT TERM BOND ETF ETF/FIXED INCOME 921937827   107,086 1,400 SH   DFND 0 1,400 0 0
VANGUARD TOTAL BOND MRKT ETF ETF/FIXED INCOME 921937835   337,398 4,570 SH   SOLE 0 4,445 125 0
VANGUARD TOTAL BOND MRKT ETF ETF/FIXED INCOME 921937835   19,121 259 SH   DFND 0 259 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF/INTERNATIONAL EQUITY 921943858   27,096 600 SH   DFND 0 600 0 0
VANGUARD ULTRA SHORT TERM ETF/FIXED INCOME 92203C303   98,480 2,000 SH   SOLE 0 2,000 0 0
VANGUARD FINANCIALS ETF ETF/EQUITY 92204A405   505,441 6,490 SH   SOLE 0 6,490 0 0
VANGUARD FINANCIALS ETF ETF/EQUITY 92204A405   206,382 2,650 SH   DFND 0 2,650 0 0
VANGUARD INDUSTRIALS ETF ETF/EQUITY 92204A603   9,525 50 SH   SOLE 0 50 0 0
VANGUARD INDUSTRIALS ETF ETF/EQUITY 92204A603   838,244 4,400 SH   DFND 0 4,400 0 0
VANGUARD INFO TECH ETF ETF/EQUITY 92204A702   1,248,115 3,238 SH   SOLE 0 3,238 0 0
VANGUARD INFO TECH ETF ETF/EQUITY 92204A702   141,078 366 SH   DFND 0 366 0 0
VANGUARD UTILITIES ETF ETF/EQUITY 92204A876   80,396 545 SH   SOLE 0 545 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 922042858   1,485,787 36,777 SH   SOLE 0 36,777 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 922042858   199,656 4,942 SH   DFND 0 4,942 0 0
VANGUARD SHORT TERM CORP BOND ETF ETF/FIXED INCOME 92206C409   883,080 11,586 SH   SOLE 0 11,521 65 0
VANGUARD SHORT TERM CORP BOND ETF ETF/FIXED INCOME 92206C409   485,213 6,366 SH   DFND 0 6,366 0 0
VANGUARD INTERM-TERM GOVT BDETF ETF/FIXED INCOME 92206C706   47,959 800 SH   SOLE 0 480 0 320
VANGUARD LONG TERM TREASURY ETF/FIXED INCOME 92206C847   6,877 105 SH   SOLE 0 105 0 0
VANGUARD S&P 500 ETF ETF/EQUITY 922908363   1,080,822 2,874 SH   SOLE 0 2,874 0 0
VANGUARD MIDCAP VALUE ETF ETF/EQUITY 922908512   30,165 225 SH   SOLE 0 225 0 0
VANGUARD MIDCAP VALUE ETF ETF/EQUITY 922908512   47,460 354 SH   DFND 0 354 0 0
VANGUARD MIDCAP GROWTH ETF ETF/EQUITY 922908538   60,221 309 SH   DFND 0 309 0 0
VANGUARD REIT ETF ETF/EQUITY 922908553   904,532 10,893 SH   SOLE 0 10,893 0 0
VANGUARD REIT ETF ETF/EQUITY 922908553   58,376 703 SH   DFND 0 703 0 0
VANGUARD SMALLCAP VALUE ETF ETF/EQUITY 922908611   222,264 1,400 SH   SOLE 0 1,400 0 0
VANGUARD MIDCAP ETF ETF/EQUITY 922908629   115,584 548 SH   SOLE 0 548 0 0
VANGUARD GROWTH ETF ETF/EQUITY 922908736   180,842 725 SH   SOLE 0 725 0 0
VANGUARD GROWTH ETF ETF/EQUITY 922908736   52,629 211 SH   DFND 0 211 0 0
VANGUARD SMALLCAP ETF ETF/EQUITY 922908751   251,166 1,325 SH   SOLE 0 1,325 0 0
VANGUARD TOTAL STOCK MARKET ETF ETF/EQUITY 922908769   30,615 150 SH   SOLE 0 150 0 0
VANGUARD TOTAL STOCK MARKET ETF ETF/EQUITY 922908769   13,054,440 63,961 SH   DFND 0 63,961 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104   7,360,532 189,315 SH   SOLE 0 189,315 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104   1,381,476 35,532 SH   DFND 0 35,532 0 0
VIATRIS INC COMMON STOCK 92556V106   2,019 210 SH   SOLE 0 210 0 0
VIATRIS INC COMMON STOCK 92556V106   4,925 512 SH   DFND 0 512 0 0
VISA INC CLASS A COMMON STOCK 92826C839   2,090,225 9,271 SH   SOLE 0 9,271 0 0
VISA INC CLASS A COMMON STOCK 92826C839   326,689 1,449 SH   DFND 0 1,449 0 0
VM WARE INC COMMON STOCK 928563402   1,498 12 SH   DFND 0 12 0 0
WABTEC CORP COMMON STOCK 929740108   2,323 23 SH   SOLE 0 23 0 0
WABTEC CORP COMMON STOCK 929740108   4,345 43 SH   DFND 0 43 0 0
WAL MART STORES INC COMMON STOCK 931142103   5,874,635 39,842 SH   SOLE 0 39,842 0 0
WAL MART STORES INC COMMON STOCK 931142103   1,008,847 6,842 SH   DFND 0 6,842 0 0
WALGREENS BOOTS ALLIANCE INC COMMON STOCK 931427108   17,285 500 SH   DFND 0 500 0 0
WARNER BROS DISCOVERY INC COMMON STOCK 934423104   5,404 358 SH   SOLE 0 358 0 0
WARNER BROS DISCOVERY INC COMMON STOCK 934423104   25,050 1,659 SH   DFND 0 1,659 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109   546,928 3,352 SH   SOLE 0 3,352 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109   140,322 860 SH   DFND 0 860 0 0
WEBSTER FINANCIAL CORP COMMON STOCK 947890109   18,246 463 SH   DFND 0 463 0 0
WELLS FARGO & CO COMMON STOCK 949746101   18,690 500 SH   SOLE 0 500 0 0
WELLS FARGO & CO COMMON STOCK 949746101   135,502 3,625 SH   DFND 0 3,625 0 0
WELLTOWER INC COMMON STOCK 95040Q104   14,338 200 SH   DFND 0 200 0 0
WEYERHAEUSER CO COMMON STOCK 962166104   48,208 1,600 SH   SOLE 0 1,600 0 0
WILLIAMS COMPANIES INC COMMON STOCK 969457100   298,600 10,000 SH   DFND 0 10,000 0 0
WISDOMTREE US HIGH DIVIDEND ETF ETF/EQUITY 97717W208   1,690,632 20,550 SH   SOLE 0 20,550 0 0
WISDOMTREE US HIGH DIVIDEND ETF ETF/EQUITY 97717W208   7,404 90 SH   DFND 0 90 0 0
WOODSIDE ENERGY GROUP LTD FOREIGN EQUITIES 980228308   1,211 54 SH   DFND 0 54 0 0
SPDR GOLD MINISHARES ETF/OTHER 98149E303   69,574 1,779 SH   SOLE 0 1,779 0 0
SPDR GOLD MINISHARES ETF/OTHER 98149E303   10,755 275 SH   DFND 0 275 0 0
ZIMVIE INC COMMON STOCK 98888T107   57 8 SH   SOLE 0 8 0 0
ZIMVIE INC COMMON STOCK 98888T107   1,994 276 SH   DFND 0 276 0 0
ZEBRA TECHNOLOGIES CORP CL A COMMON STOCK 989207105   21,306 67 SH   DFND 0 67 0 0
ZIMMER HOLDINGS INC COMMON STOCK 98956P102   252,456 1,954 SH   SOLE 0 1,954 0 0
ZIMMER HOLDINGS INC COMMON STOCK 98956P102   227,392 1,760 SH   DFND 0 1,760 0 0