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   41,934 331 SH   SOLE 0 331 0 0
AMCOR PLC FOREIGN EQUITIES G0250X107   519,871 53,929 SH   SOLE 0 53,929 0 0
AMCOR PLC FOREIGN EQUITIES G0250X107   45,982 4,770 SH   DFND 0 4,770 0 0
EATON CORP PLC FOREIGN EQUITIES G29183103   36,123 150 SH   SOLE 0 150 0 0
EATON CORP PLC FOREIGN EQUITIES G29183103   419,026 1,740 SH   DFND 0 1,740 0 0
LINDE PLC FOREIGN EQUITIES G54950103   61,605 150 SH   SOLE 0 150 0 0
MEDTRONIC PLC FOREIGN EQUITIES G5960L103   32,952 400 SH   DFND 0 400 0 0
TRANE TECHNOLOGIES PLC FOREIGN EQUITIES G8994E103   219,510 900 SH   SOLE 0 900 0 0
WHITE MTNS INS GROUP LTD FOREIGN EQUITIES G9618E107   51,170 34 SH   SOLE 0 34 0 0
CHUBB LTD FOREIGN EQUITIES H1467J104   2,918,112 12,912 SH   SOLE 0 12,912 0 0
CHUBB LTD FOREIGN EQUITIES H1467J104   287,698 1,273 SH   DFND 0 1,273 0 0
UBS GROUP AG FOREIGN EQUITIES H42097107   30,890 1,000 SH   DFND 0 1,000 0 0
AFLAC INC COMMON STOCK 001055102   22,522 273 SH   SOLE 0 273 0 0
AGCO CORP COMMON STOCK 001084102   12,141 100 SH   DFND 0 100 0 0
AT&T INC COMMON STOCK 00206R102   2,442,274 145,635 SH   SOLE 0 145,635 0 0
AT&T INC COMMON STOCK 00206R102   313,126 18,672 SH   DFND 0 18,672 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100   3,853,399 35,009 SH   SOLE 0 35,009 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100   772,465 7,018 SH   DFND 0 7,018 0 0
ABBVIE INC COMMON STOCK 00287Y109   6,715,712 43,336 SH   SOLE 0 43,336 0 0
ABBVIE INC COMMON STOCK 00287Y109   1,666,539 10,754 SH   DFND 0 10,754 0 0
ADOBE INC COMMON STOCK 00724F101   91,874 154 SH   SOLE 0 154 0 0
AGILENT TECHNOLOGIES INC COMMON STOCK 00846U101   10,566 76 SH   SOLE 0 76 0 0
AGENUS INC COMMON STOCK 00847G705   246 300 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   1,203,022 4,394 SH   SOLE 0 4,394 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106   453,121 1,655 SH   DFND 0 1,655 0 0
ALBEMARLE CORP COMMON STOCK 012653101   845,199 5,850 SH   SOLE 0 5,850 0 0
ALBEMARLE CORP COMMON STOCK 012653101   359,755 2,490 SH   DFND 0 2,490 0 0
ALLIANCEBERNSTEIN HLDG LP COMMON STOCK 01881G106   15,510 500 SH   DFND 0 500 0 0
THE ALLSTATE CORPORATION COMMON STOCK 020002101   13,998 100 SH   DFND 0 100 0 0
ALPHABET INC CLASS C COMMON STOCK 02079K107   1,104,886 7,840 SH   SOLE 0 7,840 0 0
ALPHABET INC CLASS C COMMON STOCK 02079K107   49,325 350 SH   DFND 0 350 0 0
ALPHABET INC CLASS A COMMON STOCK 02079K305   4,367,367 31,265 SH   SOLE 0 31,265 0 0
ALPHABET INC CLASS A COMMON STOCK 02079K305   1,336,132 9,565 SH   DFND 0 9,565 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103   116,461 2,887 SH   SOLE 0 2,887 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103   26,221 650 SH   DFND 0 650 0 0
AMAZON.COM INC COMMON STOCK 023135106   3,579,680 23,560 SH   SOLE 0 23,560 0 0
AMAZON.COM INC COMMON STOCK 023135106   1,076,493 7,085 SH   DFND 0 7,085 0 0
AMEREN CORPORATION COMMON STOCK 023608102   180,705 2,498 SH   SOLE 0 2,498 0 0
AMERICAN ELECTRIC POWER CO COMMON STOCK 025537101   2,729,515 33,607 SH   SOLE 0 33,607 0 0
AMERICAN ELECTRIC POWER CO COMMON STOCK 025537101   289,953 3,570 SH   DFND 0 3,570 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109   1,184,169 6,321 SH   SOLE 0 6,321 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109   35,968 192 SH   DFND 0 192 0 0
AMERICAN TOWER CORP COMMON STOCK 03027X100   659,512 3,055 SH   SOLE 0 3,055 0 0
AMERICAN TOWER CORP COMMON STOCK 03027X100   215,880 1,000 SH   DFND 0 1,000 0 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103   145,189 1,100 SH   SOLE 0 1,100 0 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103   131,990 1,000 SH   DFND 0 1,000 0 0
AMETEK INC COMMON STOCK 031100100   527,648 3,200 SH   SOLE 0 3,200 0 0
AMETEK INC COMMON STOCK 031100100   329,780 2,000 SH   DFND 0 2,000 0 0
AMGEN INC COMMON STOCK 031162100   3,275,509 11,373 SH   SOLE 0 11,373 0 0
AMGEN INC COMMON STOCK 031162100   854,234 2,966 SH   DFND 0 2,966 0 0
ANNALY CAPITAL MANAGEMENT COMMON STOCK 035710839   2,420 125 SH   SOLE 0 125 0 0
ELEVANCE HEALTH INC COMMON STOCK 036752103   2,254,904 4,782 SH   SOLE 0 4,782 0 0
ELEVANCE HEALTH INC COMMON STOCK 036752103   104,681 222 SH   DFND 0 222 0 0
APOLLO COMM REAL ESTATE COMMON STOCK 03762U105   23,480 2,000 SH   DFND 0 2,000 0 0
APPLE INC COMMON STOCK 037833100   76,487,670 397,277 SH   SOLE 0 397,277 0 0
APPLE INC COMMON STOCK 037833100   924,909 4,804 SH   DFND 0 4,804 0 0
APPLIED MATERIALS INC COMMON STOCK 038222105   16,207 100 SH   SOLE 0 100 0 0
ARBOR REALTY TRUST INC COMMON STOCK 038923108   3,795 250 SH   SOLE 0 250 0 0
ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102   955,820 13,235 SH   SOLE 0 13,235 0 0
ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102   66,803 925 SH   DFND 0 925 0 0
ARES CAPITAL CORPORATION COMMON STOCK 04010L103   25,025 1,250 SH   SOLE 0 1,250 0 0
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103   2,671,662 11,468 SH   SOLE 0 11,468 0 0
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103   252,537 1,084 SH   DFND 0 1,084 0 0
BCE INC FOREIGN EQUITIES 05534B760   13,389 340 SH   DFND 0 340 0 0
BP PLC ADR FOREIGN EQUITIES 055622104   8,422 238 SH   SOLE 0 238 0 0
BP PLC ADR FOREIGN EQUITIES 055622104   17,695 500 SH   DFND 0 500 0 0
BANK OF AMERICA CORPORATION COMMON STOCK 060505104   552,626 16,418 SH   SOLE 0 16,418 0 0
BANK OF AMERICA CORPORATION COMMON STOCK 060505104   69,003 2,050 SH   DFND 0 2,050 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100   46,836 900 SH   SOLE 0 900 0 0
BARRICK GOLD CORPORATION FOREIGN EQUITIES 067901108   3,618 200 SH   SOLE 0 200 0 0
BAXTER INTERNATIONAL INC COMMON STOCK 071813109   149,766 3,875 SH   SOLE 0 3,875 0 0
BAXTER INTERNATIONAL INC COMMON STOCK 071813109   30,920 800 SH   DFND 0 800 0 0
BECTON DICKINSON AND COMPANY COMMON STOCK 075887109   1,082,598 4,440 SH   SOLE 0 4,440 0 0
BERKSHIRE HATHAWAY INC B COMMON STOCK 084670702   278,187 780 SH   SOLE 0 780 0 0
BERKSHIRE HILLS BANCORP INC COMMON STOCK 084680107   6,552 264 SH   DFND 0 264 0 0
BHP GROUP LTD ADR FOREIGN EQUITIES 088606108   259,577 3,800 SH   SOLE 0 3,800 0 0
BHP GROUP LTD ADR FOREIGN EQUITIES 088606108   27,323 400 SH   DFND 0 400 0 0
BIOGEN INC COMMON STOCK 09062X103   207,008 800 SH   DFND 0 800 0 0
BLACK STONE MINERALS LP COMMON STOCK 09225M101   7,980 500 SH   SOLE 0 500 0 0
BLACKBERRY LTD NPV FOREIGN EQUITIES 09228F103   292 83 SH   DFND 0 83 0 0
BLACKROCK INC COMMON STOCK 09247X101   913,260 1,125 SH   SOLE 0 1,125 0 0
BLACKROCK INC COMMON STOCK 09247X101   552,016 680 SH   DFND 0 680 0 0
BOEING COMPANY COMMON STOCK 097023105   247,617 950 SH   SOLE 0 950 0 0
BOEING COMPANY COMMON STOCK 097023105   52,130 200 SH   DFND 0 200 0 0
BORGWARNER INC COMMON STOCK 099724106   1,289,341 35,975 SH   SOLE 0 35,975 0 0
BORGWARNER INC COMMON STOCK 099724106   28,672 800 SH   DFND 0 800 0 0
BRISTOL MYERS SQUIBB COMPANY COMMON STOCK 110122108   5,710,058 111,287 SH   SOLE 0 111,287 0 0
BRISTOL MYERS SQUIBB COMPANY COMMON STOCK 110122108   5,149,873 100,368 SH   DFND 0 100,368 0 0
BROADCOM INC COMMON STOCK 11135F101   4,866,790 4,360 SH   SOLE 0 4,360 0 0
BROADCOM INC COMMON STOCK 11135F101   1,693,347 1,517 SH   DFND 0 1,517 0 0
BROOKFIELD CORP NPV FOREIGN EQUITIES 11271J107   61,288 1,528 SH   DFND 0 1,528 0 0
BROOKFIELD ASSET MGMT LTD FOREIGN EQUITIES 113004105   15,341 382 SH   DFND 0 382 0 0
CDW CORPORATION COMMON STOCK 12514G108   202,314 890 SH   SOLE 0 890 0 0
C H ROBINSON WORLDWIDE INC COMMON STOCK 12541W209   12,958 150 SH   DFND 0 150 0 0
CIGNA GROUP COMMON STOCK 125523100   119,776 400 SH   SOLE 0 400 0 0
CSX CORP COMMON STOCK 126408103   745,016 21,495 SH   SOLE 0 21,495 0 0
CSX CORP COMMON STOCK 126408103   1,558,312 44,960 SH   DFND 0 44,960 0 0
CVS HEALTH CORP COMMON STOCK 126650100   2,688,101 34,044 SH   SOLE 0 34,044 0 0
CVS HEALTH CORP COMMON STOCK 126650100   565,115 7,157 SH   DFND 0 7,157 0 0
CAMPBELL SOUP CO COMMON STOCK 134429109   17,288 400 SH   DFND 0 400 0 0
CARDINAL HEALTH INC COMMON STOCK 14149Y108   7,358 73 SH   DFND 0 73 0 0
CARRIER GLOBAL CORPORATION COMMON STOCK 14448C104   561,567 9,775 SH   SOLE 0 9,775 0 0
CARRIER GLOBAL CORPORATION COMMON STOCK 14448C104   54,002 940 SH   DFND 0 940 0 0
CATERPILLAR INC COMMON STOCK 149123101   4,890,205 16,540 SH   SOLE 0 16,540 0 0
CATERPILLAR INC COMMON STOCK 149123101   292,702 990 SH   DFND 0 990 0 0
CEL SCI CORP COMMON STOCK 150837607   1,360 500 SH   SOLE 0 500 0 0
THE CHEMOURS CO COMMON STOCK 163851108   1,892 60 SH   SOLE 0 60 0 0
CHEVRON CORP COMMON STOCK 166764100   4,254,320 28,522 SH   SOLE 0 28,522 0 0
CHEVRON CORP COMMON STOCK 166764100   844,541 5,662 SH   DFND 0 5,662 0 0
CHURCH & DWIGHT CO INC COMMON STOCK 171340102   189,120 2,000 SH   SOLE 0 2,000 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102   7,822,143 154,833 SH   SOLE 0 154,833 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102   1,516,508 30,018 SH   DFND 0 30,018 0 0
COCA COLA COMPANY COMMON STOCK 191216100   6,447,182 109,405 SH   SOLE 0 109,405 0 0
COCA COLA COMPANY COMMON STOCK 191216100   514,219 8,726 SH   DFND 0 8,726 0 0
COHERENT CORP COMMON STOCK 19247G107   8,704 200 SH   DFND 0 200 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103   1,402,896 17,600 SH   SOLE 0 17,600 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103   31,884 400 SH   DFND 0 400 0 0
COMCAST CORP CLASS A COMMON STOCK 20030N101   1,441,630 32,884 SH   SOLE 0 32,884 0 0
COMCAST CORP CLASS A COMMON STOCK 20030N101   146,379 3,339 SH   DFND 0 3,339 0 0
COMMUNITY BK SYS INC COMMON STOCK 203607106   361,434 6,936 SH   SOLE 0 6,936 0 0
COMMUNITY BK SYS INC COMMON STOCK 203607106   6,057,683 116,248 SH   DFND 0 116,248 0 0
COMPASS DIVERSIFIED HOLDINGS COMMON STOCK 20451Q104   5,612 250 SH   SOLE 0 250 0 0
CONAGRA FOODS INC COMMON STOCK 205887102   1,251,409 43,680 SH   SOLE 0 43,680 0 0
CONAGRA FOODS INC COMMON STOCK 205887102   80,219 2,800 SH   DFND 0 2,800 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104   1,339,318 11,539 SH   SOLE 0 11,539 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104   23,910 206 SH   DFND 0 206 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104   132,816 1,460 SH   SOLE 0 1,460 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104   236,521 2,600 SH   DFND 0 2,600 0 0
CONSTELLATION BRANDS INC COMMON STOCK 21036P108   241,750 1,000 SH   SOLE 0 1,000 0 0
CONSTELLATION BRANDS INC COMMON STOCK 21036P108   241,750 1,000 SH   DFND 0 1,000 0 0
CONSTELLATION ENERGY CORP COMMON STOCK 21037T109   32,962 282 SH   DFND 0 282 0 0
CORNING INC COMMON STOCK 219350105   2,433,132 79,907 SH   SOLE 0 79,907 0 0
CORNING INC COMMON STOCK 219350105   118,602 3,895 SH   DFND 0 3,895 0 0
CORTEVA INC COMMON STOCK 22052L104   164,901 3,442 SH   SOLE 0 3,442 0 0
CORTEVA INC COMMON STOCK 22052L104   3,593 75 SH   DFND 0 75 0 0
COUPANG INC CL A FOREIGN EQUITIES 22266T109   3,236 200 SH   DFND 0 200 0 0
CROCS INC COMMON STOCK 227046109   96,669 1,035 SH   SOLE 0 1,035 0 0
CUMMINS INC COMMON STOCK 231021106   2,190,852 9,145 SH   SOLE 0 9,145 0 0
CUMMINS INC COMMON STOCK 231021106   536,635 2,240 SH   DFND 0 2,240 0 0
DANAHER CORP COMMON STOCK 235851102   100,632 435 SH   SOLE 0 435 0 0
DEERE & COMPANY COMMON STOCK 244199105   1,159,562 2,900 SH   SOLE 0 2,900 0 0
DEERE & COMPANY COMMON STOCK 244199105   257,909 645 SH   DFND 0 645 0 0
DIGI INTL INC COMMON STOCK 253798102   10,400 400 SH   DFND 0 400 0 0
DIME CMNTY BANCSHARES INC COMMON STOCK 25432X102   5,386 200 SH   SOLE 0 200 0 0
WALT DISNEY CO COMMON STOCK 254687106   2,071,391 22,942 SH   SOLE 0 22,942 0 0
WALT DISNEY CO COMMON STOCK 254687106   105,904 1,173 SH   DFND 0 1,173 0 0
DOLLAR GENERAL CORP COMMON STOCK 256677105   473,774 3,485 SH   SOLE 0 3,485 0 0
DOLLAR GENERAL CORP COMMON STOCK 256677105   73,411 540 SH   DFND 0 540 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109   862,732 18,356 SH   SOLE 0 18,356 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109   106,972 2,276 SH   DFND 0 2,276 0 0
DORCHESTER MINERALS LP COMMON STOCK 25820R105   1,606,113 50,475 SH   SOLE 0 50,475 0 0
DOW INC COMMON STOCK 260557103   2,444,797 44,581 SH   SOLE 0 44,581 0 0
DOW INC COMMON STOCK 260557103   135,889 2,478 SH   DFND 0 2,478 0 0
DRAFTKINGS INC CL A COMMON STOCK 26142V105   7,050 200 SH   SOLE 0 200 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204   121,300 1,250 SH   SOLE 0 1,250 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204   26,686 275 SH   DFND 0 275 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102   3,372,019 43,833 SH   SOLE 0 43,833 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102   171,240 2,226 SH   DFND 0 2,226 0 0
EOG RESOURCES INC COMMON STOCK 26875P101   792,683 6,554 SH   SOLE 0 6,554 0 0
EOG RESOURCES INC COMMON STOCK 26875P101   30,236 250 SH   DFND 0 250 0 0
EASTMAN CHEMICAL CO COMMON STOCK 277432100   28,379 316 SH   SOLE 0 316 0 0
ECOLAB INC COMMON STOCK 278865100   218,184 1,100 SH   SOLE 0 1,100 0 0
EDISON INTL COMMON STOCK 281020107   266,442 3,727 SH   DFND 0 3,727 0 0
EDWARDS LIFESCIENCES CORP COMMON STOCK 28176E108   73,200 960 SH   DFND 0 960 0 0
ELLINGTON FINANCIAL INC COMMON STOCK 28852N109   3,177 250 SH   SOLE 0 250 0 0
EMERSON ELECTRIC CO COMMON STOCK 291011104   5,345,869 54,926 SH   SOLE 0 54,926 0 0
EMERSON ELECTRIC CO COMMON STOCK 291011104   620,764 6,378 SH   DFND 0 6,378 0 0
ENBRIDGE INC FOREIGN EQUITIES 29250N105   37,784 1,049 SH   DFND 0 1,049 0 0
ENERGY TRANSFER EQUITY LP COMMON STOCK 29273V100   13,123 951 SH   SOLE 0 951 0 0
ENERGY TRANSFER EQUITY LP COMMON STOCK 29273V100   23,460 1,700 SH   DFND 0 1,700 0 0
ENTERPRISE PRODS PARTNERS LP COMMON STOCK 293792107   48,676 1,848 SH   SOLE 0 1,848 0 0
EQUIFAX INC COMMON STOCK 294429105   680,047 2,750 SH   SOLE 0 2,750 0 0
EQUIFAX INC COMMON STOCK 294429105   247,290 1,000 SH   DFND 0 1,000 0 0
EQUITRANS MIDSTREAM CORP COMMON STOCK 294600101   5,090 500 SH   DFND 0 500 0 0
ESCO TECHNOLOGIES COMMON STOCK 296315104   9,830 84 SH   DFND 0 84 0 0
ESSENTIAL UTILITIES INC COMMON STOCK 29670G102   1,046,107 28,016 SH   SOLE 0 28,016 0 0
ESSENTIAL UTILITIES INC COMMON STOCK 29670G102   75,612 2,025 SH   DFND 0 2,025 0 0
EXELON CORP COMMON STOCK 30161N101   991,665 27,631 SH   SOLE 0 27,631 0 0
EXELON CORP COMMON STOCK 30161N101   103,541 2,885 SH   DFND 0 2,885 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102   4,816,119 48,171 SH   SOLE 0 48,171 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102   940,609 9,408 SH   DFND 0 9,408 0 0
META PLATFORMS INC COMMON STOCK 30303M102   1,061 3 SH   SOLE 0 0 0 3
META PLATFORMS INC COMMON STOCK 30303M102   99,106 280 SH   DFND 0 280 0 0
FEDEX CORP COMMON STOCK 31428X106   83,478 330 SH   SOLE 0 330 0 0
FEDEX CORP COMMON STOCK 31428X106   12,648 50 SH   DFND 0 50 0 0
FIDELITY NATL INFORMATION SV COMMON STOCK 31620M106   60,060 1,000 SH   SOLE 0 1,000 0 0
FIDELITY NATL INFORMATION SV COMMON STOCK 31620M106   60,060 1,000 SH   DFND 0 1,000 0 0
FIFTH THIRD BANCORP COMMON STOCK 316773100   22,584 655 SH   DFND 0 655 0 0
FIRST SOLAR, INC. COMMON STOCK 336433107   861,400 5,000 SH   DFND 0 5,000 0 0
FLEXSHARES GLOBAL UPSTREAM NATURAL RESOURCES ETF/INTERNATIONAL EQUITY 33939L407   1,496,304 36,540 SH   SOLE 0 36,540 0 0
FLEXSHARES GLOBAL UPSTREAM NATURAL RESOURCES ETF/INTERNATIONAL EQUITY 33939L407   63,471 1,550 SH   DFND 0 1,550 0 0
FORD MOTOR COMPANY COMMON STOCK 345370860   20,723 1,700 SH   SOLE 0 1,700 0 0
FORD MOTOR COMPANY COMMON STOCK 345370860   15,847 1,300 SH   DFND 0 1,300 0 0
FORTUNE BRANDS HOME & SEC COMMON STOCK 34964C106   36,542 480 SH   SOLE 0 480 0 0
FOX CORP COMMON STOCK 35137L105   163,130 5,500 SH   SOLE 0 5,500 0 0
FRANCO NEVADA CORP FOREIGN EQUITIES 351858105   14,626 132 SH   DFND 0 132 0 0
FRANKLIN FTSE CANADA ETF/INTERNATIONAL EQUITY 35473P827   1,652,019 49,715 SH   SOLE 0 49,625 0 90
FRANKLIN FTSE CANADA ETF/INTERNATIONAL EQUITY 35473P827   8,805 265 SH   DFND 0 265 0 0
FREEPORT MCMORAN INC COMMON STOCK 35671D857   862,904 20,275 SH   SOLE 0 20,275 0 0
FREEPORT MCMORAN INC COMMON STOCK 35671D857   34,048 800 SH   DFND 0 800 0 0
GABELLI MULTIMEDIA TR INC CLOSED END MUTUAL FUNDS 36239Q109   1,695 299 SH   DFND 0 299 0 0
GABELLI EQUITY TR INC CLOSED END MUTUAL FUNDS 362397101   5,080 1,000 SH   DFND 0 1,000 0 0
GABELLI UTILITY TRUST CLOSED END MUTUAL FUNDS 36240A101   1,788 330 SH   DFND 0 330 0 0
GE HEALTHCARE TECH COMMON STOCK 36266G107   24,117 312 SH   SOLE 0 312 0 0
GE HEALTHCARE TECH COMMON STOCK 36266G107   33,474 433 SH   DFND 0 433 0 0
GAP INC COMMON STOCK 364760108   41,800 2,000 SH   SOLE 0 2,000 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108   1,640,005 6,316 SH   SOLE 0 6,316 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108   36,352 140 SH   DFND 0 140 0 0
GENERAL ELECTRIC CO COMMON STOCK 369604301   185,186 1,451 SH   SOLE 0 1,451 0 0
GENERAL ELECTRIC CO COMMON STOCK 369604301   173,192 1,357 SH   DFND 0 1,357 0 0
GENERAL MILLS INC COMMON STOCK 370334104   2,016,927 30,968 SH   SOLE 0 30,968 0 0
GENERAL MILLS INC COMMON STOCK 370334104   171,942 2,640 SH   DFND 0 2,640 0 0
GENERAL MOTORS CO COMMON STOCK 37045V100   7,182 200 SH   DFND 0 200 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103   1,427,627 17,623 SH   SOLE 0 17,623 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103   182,272 2,250 SH   DFND 0 2,250 0 0
GLOBAL X MLP ETF ETF/EQUITY 37954Y343   30,117 680 SH   SOLE 0 680 0 0
GOLDMAN SACHS ACCESS ULTRAST ETF/FIXED INCOME 381430230   100,000 2,000 SH   SOLE 0 2,000 0 0
GOLDMAN SACHS JUST US LARGE CAP EQUITY ETF ETF/EQUITY 381430396   7,135 105 SH   SOLE 0 105 0 0
GREAT AJAX CORP COMMON STOCK 38983D300   1,325 250 SH   SOLE 0 250 0 0
HP INC COMMON STOCK 40434L105   3,881 129 SH   SOLE 0 129 0 0
HANESBRANDS INC COMMON STOCK 410345102   2,230 500 SH   SOLE 0 500 0 0
HARLEY DAVIDSON INC COMMON STOCK 412822108   7,368 200 SH   SOLE 0 200 0 0
HERCULES CAPITAL INC COMMON STOCK 427096508   14,577 875 SH   SOLE 0 875 0 0
HERSHEY CO COMMON STOCK 427866108   37,288 200 SH   SOLE 0 200 0 0
HEWLETT PACKARD ENTERPRISE COMMON STOCK 42824C109   2,189 129 SH   SOLE 0 129 0 0
HOME DEPOT INC COMMON STOCK 437076102   3,769,614 10,878 SH   SOLE 0 10,878 0 0
HOME DEPOT INC COMMON STOCK 437076102   53,712 155 SH   DFND 0 155 0 0
HONEYWELL INTL INC COMMON STOCK 438516106   2,271,552 10,832 SH   SOLE 0 10,832 0 0
HONEYWELL INTL INC COMMON STOCK 438516106   43,828 209 SH   DFND 0 209 0 0
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109   4,640,764 17,717 SH   SOLE 0 17,717 0 0
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109   660,087 2,520 SH   DFND 0 2,520 0 0
INCYTE CORP COMMON STOCK 45337C102   6,279 100 SH   SOLE 0 100 0 0
INFUSYSTEMS HOLDINGS INC COMMON STOCK 45685K102   10,540 1,000 SH   SOLE 0 1,000 0 0
INGERSOLL RAND INC COMMON STOCK 45687V106   84,687 1,095 SH   SOLE 0 1,095 0 0
INTEL CORP COMMON STOCK 458140100   4,217,914 83,939 SH   SOLE 0 83,939 0 0
INTEL CORP COMMON STOCK 458140100   395,214 7,865 SH   DFND 0 7,865 0 0
INTL BUSINESS MACHINES CORP COMMON STOCK 459200101   10,518,006 64,311 SH   SOLE 0 64,311 0 0
INTL BUSINESS MACHINES CORP COMMON STOCK 459200101   6,713,396 41,048 SH   DFND 0 41,048 0 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103   822,718 22,765 SH   SOLE 0 22,765 0 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103   31,838 881 SH   DFND 0 881 0 0
INVESCO QQQ TRUST ETF/EQUITY 46090E103   941,867 2,300 SH   SOLE 0 2,300 0 0
INVESCO QQQ TRUST ETF/EQUITY 46090E103   99,919 244 SH   DFND 0 244 0 0
INVESCO WILDERHILL CLEAN ENERGY ETF ETF/EQUITY 46137V134   9,596 323 SH   DFND 0 323 0 0
INVESCO BULLETSHS CORP ETF ETF/FIXED INCOME 46138J577   7,045 380 SH   SOLE 0 380 0 0
INVESCO BULLETSHARES 2028 CORP BOND ETF/FIXED INCOME 46138J643   15,303 755 SH   SOLE 0 755 0 0
INVESCO BULLETSHARES 2027 CORP BOND ETF/FIXED INCOME 46138J783   15,171 780 SH   SOLE 0 780 0 0
INVESCO BULLETSHS 26 CRP ETF ETF/FIXED INCOME 46138J791   458,221 23,755 SH   SOLE 0 23,225 0 530
INVESCO BULLETSHS 26 CRP ETF ETF/FIXED INCOME 46138J791   12,924 670 SH   DFND 0 670 0 0
INVESCO BULLETSHARES ETF ETF/FIXED INCOME 46138J825   13,599 665 SH   SOLE 0 665 0 0
IQVIA HLDGS INC COMMON STOCK 46266C105   23,138 100 SH   SOLE 0 100 0 0
ISHARES SILVER TRUST ETF/OTHER 46428Q109   16,327 750 SH   SOLE 0 750 0 0
ISHARES SILVER TRUST ETF/OTHER 46428Q109   32,763 1,505 SH   DFND 0 1,505 0 0
ISHARES GOLD TRUST ETF/OTHER 464285204   487,626 12,497 SH   SOLE 0 12,342 0 155
ISHARES MSCI CANADA ETF ETF/INTERNATIONAL EQUITY 464286509   1,171,623 31,943 SH   SOLE 0 31,943 0 0
ISHARES MSCI CANADA ETF ETF/INTERNATIONAL EQUITY 464286509   105,522 2,877 SH   DFND 0 2,877 0 0
ISHARES MSCI EUROZONE ETF ETF/INTERNATIONAL EQUITY 464286608   100,778 2,125 SH   SOLE 0 2,100 0 25
ISHARES CORE S&P 500 ETF ETF/EQUITY 464287200   50,455,391 105,637 SH   SOLE 0 105,637 0 0
ISHARES CORE S&P 500 ETF ETF/EQUITY 464287200   148,539 311 SH   DFND 0 311 0 0
ISHARES MSCI EMERGING MKTS ETF ETF/INTERNATIONAL EQUITY 464287234   31,878 793 SH   SOLE 0 793 0 0
ISHARES IBOXX $ INVMT GRADE CORP BOND ETF ETF/FIXED INCOME 464287242   50,792 459 SH   SOLE 0 459 0 0
ISHARES S&P 500 GROWTH ETF ETF/EQUITY 464287309   729,971 9,720 SH   SOLE 0 9,720 0 0
ISHARES GLOBAL HEALTHCARE ETF/EQUITY 464287325   2,185,940 25,207 SH   SOLE 0 25,177 0 30
ISHARES GLOBAL HEALTHCARE ETF/EQUITY 464287325   3,468 40 SH   DFND 0 40 0 0
ISHARES S&P 500 VALUE ETF ETF/EQUITY 464287408   731,554 4,207 SH   SOLE 0 4,207 0 0
ISHARES 7-10 YEAR TSY BOND ETF/FIXED INCOME 464287440   780,459 8,097 SH   SOLE 0 8,097 0 0
ISHARES 7-10 YEAR TSY BOND ETF/FIXED INCOME 464287440   10,120 105 SH   DFND 0 105 0 0
ISHARES 1-3 YR TREASURY BOND ETF/FIXED INCOME 464287457   1,538,373 18,752 SH   SOLE 0 18,752 0 0
ISHARES 1-3 YR TREASURY BOND ETF/FIXED INCOME 464287457   74,326 906 SH   DFND 0 906 0 0
ISHARES MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 464287465   2,195,986 29,144 SH   SOLE 0 29,144 0 0
ISHARES MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 464287465   317,372 4,212 SH   DFND 0 4,212 0 0
ISHARES RUSSELL MIDCAP VALUE ETF/EQUITY 464287473   4,332,928 37,260 SH   SOLE 0 37,260 0 0
ISHARES RUSSELL MIDCAP VALUE ETF/EQUITY 464287473   162,805 1,400 SH   DFND 0 1,400 0 0
ISHARES CORE S&P MIDCAP ETF ETF/EQUITY 464287507   15,059,765 54,340 SH   SOLE 0 54,320 0 20
ISHARES CORE S&P MIDCAP ETF ETF/EQUITY 464287507   157,966 570 SH   DFND 0 570 0 0
ISHARES RUSSELL 1000 VALUE ETF/EQUITY 464287598   4,972,343 30,090 SH   SOLE 0 29,965 0 125
ISHARES RUSSELL 1000 VALUE ETF/EQUITY 464287598   208,379 1,261 SH   DFND 0 1,261 0 0
ISHARES S&P MIDCAP 400 GROWTH ETF ETF/EQUITY 464287606   299,451 3,780 SH   SOLE 0 3,780 0 0
ISHARES S&P MIDCAP 400 GROWTH ETF ETF/EQUITY 464287606   47,532 600 SH   DFND 0 600 0 0
ISHARES RUSSELL 1000 GROWTH ETF ETF/EQUITY 464287614   7,252,469 23,923 SH   SOLE 0 23,854 0 69
ISHARES RUSSELL 1000 GROWTH ETF ETF/EQUITY 464287614   213,424 704 SH   DFND 0 704 0 0
ISHARES RUSSELL 2000 VALUE ETF/EQUITY 464287630   32,463 209 SH   DFND 0 209 0 0
ISHARES RUSSELL 2000 GROWTH ETF ETF/EQUITY 464287648   35,563 141 SH   DFND 0 141 0 0
ISHARES RUSSELL 2000 ETF ETF/EQUITY 464287655   1,330,484 6,629 SH   SOLE 0 6,629 0 0
ISHARES RUSSELL 2000 ETF ETF/EQUITY 464287655   139,089 693 SH   DFND 0 693 0 0
ISHARES CORE S&P SMALLCAP ETF ETF/EQUITY 464287804   18,907,457 174,665 SH   SOLE 0 174,607 0 58
ISHARES CORE S&P SMALLCAP ETF ETF/EQUITY 464287804   139,642 1,290 SH   DFND 0 1,290 0 0
ISHARES GLOBAL CLEAN ENERGY ETF/INTERNATIONAL EQUITY 464288224   38,925 2,500 SH   SOLE 0 2,500 0 0
ISHARES GLOBAL CLEAN ENERGY ETF/INTERNATIONAL EQUITY 464288224   14,012 900 SH   DFND 0 900 0 0
ISHARES MSCI ACWI EX US ETF ETF/INTERNATIONAL EQUITY 464288240   2,482,844 48,646 SH   SOLE 0 48,646 0 0
ISHARES MSCI ACWI EX US ETF ETF/INTERNATIONAL EQUITY 464288240   227,170 4,451 SH   DFND 0 4,451 0 0
ISHARES MSCI ACWI ETF ETF/EQUITY 464288257   3,867,260 38,000 SH   SOLE 0 38,000 0 0
ISHARES IBOXX $ HIGH YIELD CORP BOND ETF ETF/FIXED INCOME 464288513   223,240 2,885 SH   SOLE 0 2,885 0 0
ISHARES IBOXX $ HIGH YIELD CORP BOND ETF ETF/FIXED INCOME 464288513   84,571 1,093 SH   DFND 0 1,093 0 0
ISHARES TR BARCLYS MBS BD ETF/FIXED INCOME 464288588   2,423,114 25,756 SH   SOLE 0 25,678 0 78
ISHARES INTERMEDIATE CREDIT BOND ETF ETF/FIXED INCOME 464288638   25,792 496 SH   DFND 0 496 0 0
ISHARES SHORT TERM CORP BOND ETF/FIXED INCOME 464288646   97,411 1,900 SH   DFND 0 1,900 0 0
ISHARES US PREFERRED STOCK ETF/OTHER 464288687   2,146,608 68,846 SH   SOLE 0 68,846 0 0
ISHARES US PREFERRED STOCK ETF/OTHER 464288687   135,317 4,340 SH   DFND 0 4,340 0 0
ISHARES CORE HIGH DIVIDEND ETF/EQUITY 46429B663   97,910 960 SH   SOLE 0 960 0 0
ISHARES EDGE MSCI MIN VOL USA ETF ETF/EQUITY 46429B697   7,943,444 101,800 SH   SOLE 0 101,710 0 90
ISHARES CORE MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 46432F842   40,293,556 572,759 SH   SOLE 0 572,509 0 250
ISHARES CORE MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 46432F842   254,312 3,615 SH   DFND 0 3,615 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 46434G103   10,695,989 211,467 SH   SOLE 0 211,342 0 125
ISHARES CORE MSCI EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 46434G103   16,438 325 SH   DFND 0 325 0 0
ISHARES MSCI EM EX CHINA ETF/INTERNATIONAL EQUITY 46434G764   2,114,341 38,165 SH   SOLE 0 38,140 0 25
ISHARES MSCI EM EX CHINA ETF/INTERNATIONAL EQUITY 46434G764   3,324 60 SH   DFND 0 60 0 0
ISHARES ESG MSCI EM ETF ETF/INTERNATIONAL EQUITY 46434G863   349,980 10,920 SH   SOLE 0 10,920 0 0
ISHARES MSCI ACWI LOW CARBON ETF/EQUITY 46434V464   3,309 20 SH   SOLE 0 20 0 0
ISHARES ESG USD CORP BOND ETF/FIXED INCOME 46435G193   8,726 375 SH   SOLE 0 375 0 0
ISHARES TR ESG AWRE 1 5 YR ETF/FIXED INCOME 46435G243   8,564 350 SH   SOLE 0 350 0 0
ISHARES TR ESG MSCI USA ETF (ESGU) ETF/EQUITY 46435G425   13,115 125 SH   SOLE 0 125 0 0
ISHARES ESG MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 46435G516   385,477 5,103 SH   SOLE 0 5,103 0 0
ISHARES ESG AWARE MSCI SMALLCAP ETF ETF/EQUITY 46435U663   1,330 35 SH   SOLE 0 35 0 0
ISHARES IBONDS DEC 2030 TERM TSY ETF ETF/FIXED INCOME 46436E593   492,248 24,975 SH   SOLE 0 24,385 0 590
ISHARES IBONDS DEC 2030 TERM TSY ETF ETF/FIXED INCOME 46436E593   20,301 1,030 SH   DFND 0 1,030 0 0
ISHARES 0-3 MONTH TREASURY ETF/FIXED INCOME 46436E718   182,583 1,821 SH   SOLE 0 1,821 0 0
ISHARES IBONDS DEC 2028 TERM ETF/FIXED INCOME 46436E833   53,524 2,410 SH   SOLE 0 2,410 0 0
ISHARES IBONDS DEC 2028 TERM ETF/FIXED INCOME 46436E833   8,128 366 SH   DFND 0 366 0 0
JPMORGAN CHASE & CO COMMON STOCK 46625H100   12,594,840 74,044 SH   SOLE 0 74,044 0 0
JPMORGAN CHASE & CO COMMON STOCK 46625H100   1,212,637 7,129 SH   DFND 0 7,129 0 0
JABIL CIRCUIT INC. COMMON STOCK 466313103   25,480 200 SH   SOLE 0 200 0 0
JPMORGAN EQUITY PREMIUM INC ETF/EQUITY 46641Q332   12,264,069 223,105 SH   SOLE 0 222,895 0 210
JPMORGAN EQUITY PREMIUM INC ETF/EQUITY 46641Q332   17,040 310 SH   DFND 0 310 0 0
JACOBS SOLUTIONS INC COMMON STOCK 46982L108   25,181 194 SH   DFND 0 194 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104   5,367,338 34,244 SH   SOLE 0 34,244 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104   1,382,910 8,823 SH   DFND 0 8,823 0 0
KELLANOVA COMPANY COMMON STOCK 487836108   44,720 800 SH   DFND 0 800 0 0
KENVUE INC COMMON STOCK 49177J102   1,729,518 80,369 SH   SOLE 0 80,369 0 0
KENVUE INC COMMON STOCK 49177J102   197,183 9,163 SH   DFND 0 9,163 0 0
KEURIG DR PEPPER INC COMMON STOCK 49271V100   5,596 168 SH   SOLE 0 168 0 0
KEYCORP COMMON STOCK 493267108   7,200 500 SH   SOLE 0 500 0 0
KEYCORP COMMON STOCK 493267108   7,200 500 SH   DFND 0 500 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103   1,155,793 9,512 SH   SOLE 0 9,512 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103   128,799 1,060 SH   DFND 0 1,060 0 0
KINDER MORGAN INC COMMON STOCK 49456B101   1,017,413 57,710 SH   SOLE 0 57,710 0 0
KINDER MORGAN INC COMMON STOCK 49456B101   94,848 5,380 SH   DFND 0 5,380 0 0
KRAFT HEINZ COMPANY COMMON STOCK 500754106   86,251 2,333 SH   DFND 0 2,333 0 0
KYNDRYL HOLDINGS INC COMMON STOCK 50155Q100   207 10 SH   SOLE 0 10 0 0
LADDER CAP CORP CL A COMMON STOCK 505743104   5,801 504 SH   SOLE 0 504 0 0
LAM RESEARCH CORP COMMON STOCK 512807108   1,141,174 1,457 SH   SOLE 0 1,457 0 0
LAM RESEARCH CORP COMMON STOCK 512807108   90,074 115 SH   DFND 0 115 0 0
ESTEE LAUDER COMP INC CL A COMMON STOCK 518439104   14,625 100 SH   SOLE 0 100 0 0
LEIDOS HOLDINGS INC COMMON STOCK 525327102   132,918 1,228 SH   SOLE 0 1,228 0 0
LIBERTY ALL STAR EQUITY FD CLOSED END MUTUAL FUNDS 530158104   15,324 2,402 SH   DFND 0 2,402 0 0
ELI LILLY AND COMPANY COMMON STOCK 532457108   1,625,722 2,789 SH   SOLE 0 2,789 0 0
ELI LILLY AND COMPANY COMMON STOCK 532457108   1,159,988 1,990 SH   DFND 0 1,990 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109   2,598,769 5,734 SH   SOLE 0 5,734 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109   434,189 958 SH   DFND 0 958 0 0
LOEWS CORP COMMON STOCK 540424108   90,467 1,300 SH   DFND 0 1,300 0 0
LOWES COMPANIES INC COMMON STOCK 548661107   4,425,577 19,886 SH   SOLE 0 19,886 0 0
LOWES COMPANIES INC COMMON STOCK 548661107   346,058 1,555 SH   DFND 0 1,555 0 0
M & T BANK CORP COMMON STOCK 55261F104   214,804 1,567 SH   SOLE 0 1,567 0 0
M & T BANK CORP COMMON STOCK 55261F104   88,416 645 SH   DFND 0 645 0 0
MARATHON PETROLEUM CORP COMMON STOCK 56585A102   51,035 344 SH   DFND 0 344 0 0
MARKEL GROUP INC COMMON STOCK 570535104   46,856 33 SH   SOLE 0 33 0 0
MASTERCARD INC CLASS A COMMON STOCK 57636Q104   895,656 2,100 SH   SOLE 0 2,100 0 0
MASTERCARD INC CLASS A COMMON STOCK 57636Q104   23,457 55 SH   DFND 0 55 0 0
MASTERBRAND INC COMMON STOCK 57638P104   7,128 480 SH   SOLE 0 480 0 0
MCDONALDS CORP COMMON STOCK 580135101   4,248,047 14,327 SH   SOLE 0 14,327 0 0
MCDONALDS CORP COMMON STOCK 580135101   220,299 743 SH   DFND 0 743 0 0
MCKESSON CORP COMMON STOCK 58155Q103   601,861 1,300 SH   SOLE 0 1,300 0 0
MCKESSON CORP COMMON STOCK 58155Q103   259,263 560 SH   DFND 0 560 0 0
MEDPACE HOLDINGS INC COMMON STOCK 58506Q109   12,260 40 SH   SOLE 0 40 0 0
MERCK & COMPANY INC COMMON STOCK 58933Y105   10,578,150 97,030 SH   SOLE 0 97,030 0 0
MERCK & COMPANY INC COMMON STOCK 58933Y105   1,820,300 16,697 SH   DFND 0 16,697 0 0
METLIFE INC COMMON STOCK 59156R108   148,792 2,250 SH   SOLE 0 2,250 0 0
METLIFE INC COMMON STOCK 59156R108   30,419 460 SH   DFND 0 460 0 0
METTLER-TOLEDO INTL COMMON STOCK 592688105   533,702 440 SH   SOLE 0 440 0 0
METTLER-TOLEDO INTL COMMON STOCK 592688105   121,296 100 SH   DFND 0 100 0 0
MICROSOFT CORP COMMON STOCK 594918104   22,127,717 58,846 SH   SOLE 0 58,846 0 0
MICROSOFT CORP COMMON STOCK 594918104   2,548,343 6,777 SH   DFND 0 6,777 0 0
MICRON TECHNOLOGY COMMON STOCK 595112103   21,335 250 SH   SOLE 0 250 0 0
MODERNA INC COMMON STOCK 60770K107   4,972 50 SH   SOLE 0 50 0 0
MOLINA HEALTHCARE INC COMMON STOCK 60855R100   18,065 50 SH   SOLE 0 50 0 0
MONDELEZ INTL INC CL A COMMON STOCK 609207105   434,216 5,995 SH   SOLE 0 5,995 0 0
MONDELEZ INTL INC CL A COMMON STOCK 609207105   200,992 2,775 SH   DFND 0 2,775 0 0
MORGAN STANLEY COMMON STOCK 617446448   2,296,617 24,629 SH   SOLE 0 24,629 0 0
MORGAN STANLEY COMMON STOCK 617446448   25,643 275 SH   DFND 0 275 0 0
ETF CALVERT US MID-CAP CORE ETF/EQUITY 61774R403   2,137 40 SH   SOLE 0 40 0 0
MURPHY OIL CORPORATION COMMON STOCK 626717102   13,989 328 SH   SOLE 0 328 0 0
MURPHY USA INC COMMON STOCK 626755102   29,237 82 SH   SOLE 0 82 0 0
NBT BANCORP INC COMMON STOCK 628778102   506,654 12,092 SH   SOLE 0 12,092 0 0
NBT BANCORP INC COMMON STOCK 628778102   387,030 9,237 SH   DFND 0 9,237 0 0
NATIONAL FUEL GAS COMPANY COMMON STOCK 636180101   341,088 6,800 SH   SOLE 0 6,800 0 0
NATIONAL FUEL GAS COMPANY COMMON STOCK 636180101   5,016 100 SH   DFND 0 100 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   170,408 350 SH   SOLE 0 350 0 0
RITHM CAPITAL CORP COMMON STOCK 64828T201   2,670 250 SH   SOLE 0 250 0 0
NEW YORK CMNTY BANCORP INC COMMON STOCK 649445103   15,345 1,500 SH   SOLE 0 1,500 0 0
NEW YORK CMNTY BANCORP INC COMMON STOCK 649445103   1,790 175 SH   DFND 0 175 0 0
NEWELL RUBBERMAID INC COMMON STOCK 651229106   6,293 725 SH   SOLE 0 0 0 725
NEXSTAR MEDIA GROUP INC COMMON STOCK 65336K103   7,837 50 SH   SOLE 0 50 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101   2,043,455 33,643 SH   SOLE 0 33,643 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101   1,136,746 18,715 SH   DFND 0 18,715 0 0
NIKE INC CLASS B COMMON STOCK 654106103   2,217,528 20,425 SH   SOLE 0 20,425 0 0
NIKE INC CLASS B COMMON STOCK 654106103   49,942 460 SH   DFND 0 460 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108   1,969,269 8,331 SH   SOLE 0 8,331 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108   304,930 1,290 SH   DFND 0 1,290 0 0
NORTHROP GRUMMAN CORP COMMON STOCK 666807102   93,628 200 SH   DFND 0 200 0 0
NORWOOD FINANCIAL CORP COMMON STOCK 669549107   131,336 3,992 SH   SOLE 0 3,992 0 0
NOVARTIS AG ADR FOREIGN EQUITIES 66987V109   164,379 1,628 SH   SOLE 0 1,628 0 0
NUCOR CORP COMMON STOCK 670346105   5,253,565 30,186 SH   SOLE 0 30,186 0 0
NUCOR CORP COMMON STOCK 670346105   1,090,534 6,266 SH   DFND 0 6,266 0 0
NVIDIA CORPORATION COMMON STOCK 67066G104   2,806,835 5,668 SH   SOLE 0 5,668 0 0
NVIDIA CORPORATION COMMON STOCK 67066G104   331,790 670 SH   DFND 0 670 0 0
OAKTREE SPECIALTY LENDING COMMON STOCK 67401P405   20,410 1,000 SH   SOLE 0 1,000 0 0
OCCIDENTAL PETE CORP star W EXP 08/03/2027 WARRANTS & RIGHTS 674599162   545 14 SH   SOLE 0 14 0 0
OLIN CORP COMMON STOCK 680665205   21,580 400 SH   DFND 0 400 0 0
OMNICOM GROUP INC COMMON STOCK 681919106   3,697,396 42,740 SH   SOLE 0 42,740 0 0
OMNICOM GROUP INC COMMON STOCK 681919106   172,151 1,990 SH   DFND 0 1,990 0 0
ONEOK INC COMMON STOCK 682680103   27,666 394 SH   SOLE 0 394 0 0
OPEN LENDING CORP COMMON STOCK 68373J104   1,702 200 SH   SOLE 0 200 0 0
ORACLE CORP COMMON STOCK 68389X105   247,760 2,350 SH   SOLE 0 2,350 0 0
ORACLE CORP COMMON STOCK 68389X105   84,344 800 SH   DFND 0 800 0 0
ORANGE SA ADR FOREIGN EQUITIES 684060106   45,720 4,000 SH   DFND 0 4,000 0 0
ORGANON & CO COMMON STOCK 68622V106   115 8 SH   DFND 0 8 0 0
OTIS WORLDWIDE CORP COMMON STOCK 68902V107   6,710 75 SH   SOLE 0 75 0 0
OTIS WORLDWIDE CORP COMMON STOCK 68902V107   29,077 325 SH   DFND 0 325 0 0
PNC FINL SVCS GROUP INC COMMON STOCK 693475105   1,823,351 11,775 SH   SOLE 0 11,775 0 0
PNC FINL SVCS GROUP INC COMMON STOCK 693475105   70,456 455 SH   DFND 0 455 0 0
PPG INDUSTRIES INC COMMON STOCK 693506107   59,820 400 SH   SOLE 0 400 0 0
PAYCHEX INC COMMON STOCK 704326107   23,822 200 SH   SOLE 0 200 0 0
PAYCHEX INC COMMON STOCK 704326107   68,487 575 SH   DFND 0 575 0 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103   12,280 200 SH   SOLE 0 200 0 0
PEOPLES FINL SVCS CORP COMMON STOCK 711040105   59,316 1,218 SH   SOLE 0 1,218 0 0
PEPSICO INC COMMON STOCK 713448108   9,173,002 54,010 SH   SOLE 0 54,010 0 0
PEPSICO INC COMMON STOCK 713448108   999,672 5,886 SH   DFND 0 5,886 0 0
PFIZER INC COMMON STOCK 717081103   3,653,309 126,897 SH   SOLE 0 126,897 0 0
PFIZER INC COMMON STOCK 717081103   858,512 29,820 SH   DFND 0 29,820 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109   103,488 1,100 SH   SOLE 0 1,100 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109   64,821 689 SH   DFND 0 689 0 0
PHILLIPS 66 COMMON STOCK 718546104   2,248,975 16,892 SH   SOLE 0 16,892 0 0
PHILLIPS 66 COMMON STOCK 718546104   53,255 400 SH   DFND 0 400 0 0
PIMCO 15 plus YR US TIPS ETF/FIXED INCOME 72201R304   5,668,000 100,000 SH   SOLE 0 100,000 0 0
PIMCO ENHANCED SHORT MAT ESG ETF/FIXED INCOME 72201R643   7,344 75 SH   SOLE 0 75 0 0
PIMCO ENHANCED LOW DURATION ETF/FIXED INCOME 72201R718   94,760 1,000 SH   SOLE 0 1,000 0 0
PIMCO ENHANCED SHORT MATURE ACTIVE ETF ETF/FIXED INCOME 72201R833   99,790 1,000 SH   SOLE 0 1,000 0 0
PLAINS ALL AMERICAN PIPELINE COMMON STOCK 726503105   7,575 500 SH   SOLE 0 500 0 0
PLAINS ALL AMERICAN PIPELINE COMMON STOCK 726503105   45,450 3,000 SH   DFND 0 3,000 0 0
PLAINS GP HOLDINGS LP COMMON STOCK 72651A207   3,987 250 SH   SOLE 0 250 0 0
PRINCIPAL SPECTRUM PFD SEC ETF/EQUITY 74255Y888   2,065,000 118,000 SH   SOLE 0 118,000 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109   7,791,626 53,171 SH   SOLE 0 53,171 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109   1,024,015 6,988 SH   DFND 0 6,988 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102   6,015 58 SH   SOLE 0 58 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102   22,297 215 SH   DFND 0 215 0 0
PUBLIC SVC ENTERPRISE GROUP COMMON STOCK 744573106   3,689,872 60,342 SH   SOLE 0 60,342 0 0
PUBLIC SVC ENTERPRISE GROUP COMMON STOCK 744573106   779,535 12,748 SH   DFND 0 12,748 0 0
PULTE GROUP INC COMMON STOCK 745867101   21,676 210 SH   DFND 0 210 0 0
QUALCOMM INC COMMON STOCK 747525103   4,076,631 28,187 SH   SOLE 0 28,187 0 0
QUALCOMM INC COMMON STOCK 747525103   425,210 2,940 SH   DFND 0 2,940 0 0
RTX CORP COMMON STOCK 75513E101   2,721,725 32,348 SH   SOLE 0 32,348 0 0
RTX CORP COMMON STOCK 75513E101   357,255 4,246 SH   DFND 0 4,246 0 0
REALTY INCOME CORP COMMON STOCK 756109104   26,642 464 SH   SOLE 0 464 0 0
REGULUS THERAPEUTICS INC COMMON STOCK 75915K309   876 690 SH   SOLE 0 690 0 0
REPUBLIC SERVICES INC COMMON STOCK 760759100   16,491 100 SH   SOLE 0 100 0 0
RIBBONS COMMUNICATIONS INC COMMON STOCK 762544104   4,060 1,400 SH   SOLE 0 1,400 0 0
ROCKWELL AUTOMATION INC COMMON STOCK 773903109   37,256 120 SH   DFND 0 120 0 0
ROPER INDS INC COMMON STOCK 776696106   345,086 633 SH   SOLE 0 633 0 0
ROYAL BANK OF CANADA FOREIGN EQUITIES 780087102   777,689 7,690 SH   SOLE 0 7,690 0 0
ROYAL BANK OF CANADA FOREIGN EQUITIES 780087102   131,266 1,298 SH   DFND 0 1,298 0 0
S&P GLOBAL INC COMMON STOCK 78409V104   284,128 645 SH   SOLE 0 645 0 0
S&P GLOBAL INC COMMON STOCK 78409V104   156,821 356 SH   DFND 0 356 0 0
SPDR S&P 500 ETF ETF/EQUITY 78462F103   8,120,953 17,086 SH   SOLE 0 17,086 0 0
SPDR S&P 500 ETF ETF/EQUITY 78462F103   349,344 735 SH   DFND 0 735 0 0
SPDR GOLD SHARES ETF/OTHER 78463V107   57,351 300 SH   SOLE 0 300 0 0
SPDR GOLD SHARES ETF/OTHER 78463V107   807,693 4,225 SH   DFND 0 4,225 0 0
SPDR INTERM CORP BOND ETF ETF/FIXED INCOME 78464A375   795,712 24,245 SH   SOLE 0 23,835 0 410
SPDR INTERM CORP BOND ETF ETF/FIXED INCOME 78464A375   20,840 635 SH   DFND 0 635 0 0
SPDR PORTFOLIO S&P500 GROWTH ETF/EQUITY 78464A409   496,142 7,626 SH   SOLE 0 7,626 0 0
SPDR PORTFOLIO S&P 500 VALUE ETF/EQUITY 78464A508   544,539 11,678 SH   SOLE 0 11,678 0 0
SPDR PORTFOLIO S&P 500 ETF/EQUITY 78464A854   1,045,601 18,705 SH   SOLE 0 18,530 0 175
SPDR PORTFOLIO S&P 500 ETF/EQUITY 78464A854   8,105 145 SH   DFND 0 145 0 0
SPDR BLACKSTONE/GSO SENIOR LOAN ETF ETF/FIXED INCOME 78467V608   270,658 6,455 SH   SOLE 0 6,455 0 0
SPDR S&P MIDCAP 400 ETF ETF/EQUITY 78467Y107   6,190,003 12,200 SH   SOLE 0 12,200 0 0
SPDR S&P MIDCAP 400 ETF ETF/EQUITY 78467Y107   116,696 230 SH   DFND 0 230 0 0
SPDR PORTFOLIO SMALLCAP ETF ETF/EQUITY 78468R853   35,346 838 SH   SOLE 0 838 0 0
SALESFORCE INC COMMON STOCK 79466L302   82,622 314 SH   SOLE 0 314 0 0
SLB FOREIGN EQUITIES 806857108   60,782 1,168 SH   SOLE 0 1,168 0 0
SLB FOREIGN EQUITIES 806857108   65,882 1,266 SH   DFND 0 1,266 0 0
SCHWAB US SMALL CAP ETF ETF/EQUITY 808524607   3,133,465 66,331 SH   SOLE 0 66,331 0 0
SCHWAB US SMALL CAP ETF ETF/EQUITY 808524607   279,470 5,916 SH   DFND 0 5,916 0 0
SCHWAB US TIPS ETF ETF/FIXED INCOME 808524870   486,814 9,326 SH   SOLE 0 9,326 0 0
SCIENCE APPLICATIONS INTERNATIONAL CORP COMMON STOCK 808625107   65,889 530 SH   SOLE 0 530 0 0
MATERIALS SELECT SECTOR SPDR ETF/EQUITY 81369Y100   191,778 2,242 SH   SOLE 0 2,242 0 0
MATERIALS SELECT SECTOR SPDR ETF/EQUITY 81369Y100   854,116 9,985 SH   DFND 0 9,985 0 0
HEALTH CARE SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y209   504,861 3,702 SH   SOLE 0 3,702 0 0
HEALTH CARE SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y209   9,001 66 SH   DFND 0 66 0 0
CONSUMER STAPLES SECTOR SPDR ETF/EQUITY 81369Y308   207,442 2,880 SH   SOLE 0 2,880 0 0
CONSUMER STAPLES SECTOR SPDR ETF/EQUITY 81369Y308   14,045 195 SH   DFND 0 195 0 0
CONSUMER DISCRET SEL SECT SPDR ETF ETF/EQUITY 81369Y407   285,198 1,595 SH   SOLE 0 1,595 0 0
CONSUMER DISCRET SEL SECT SPDR ETF ETF/EQUITY 81369Y407   17,344 97 SH   DFND 0 97 0 0
ENERGY SELECT SECTOR SPDR ETF/EQUITY 81369Y506   2,337,866 27,885 SH   SOLE 0 27,885 0 0
ENERGY SELECT SECTOR SPDR ETF/EQUITY 81369Y506   225,110 2,685 SH   DFND 0 2,685 0 0
SPDR FINANCIAL SELECT SECTOR ETF/EQUITY 81369Y605   115,626 3,076 SH   SOLE 0 3,076 0 0
SPDR INDUSTRIALS (XLI) ETF/EQUITY 81369Y704   118,549 1,040 SH   SOLE 0 1,040 0 0
TECHNOLOGY SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y803   536,436 2,787 SH   SOLE 0 2,787 0 0
TECHNOLOGY SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y803   44,462 231 SH   DFND 0 231 0 0
SELECT SECTOR SPDR TR COMMUNICATION ETF/EQUITY 81369Y852   10,098 139 SH   SOLE 0 139 0 0
UTILITIES SELECT SECTOR SPDR ETF/EQUITY 81369Y886   214,739 3,391 SH   SOLE 0 3,391 0 0
UTILITIES SELECT SECTOR SPDR ETF/EQUITY 81369Y886   10,829 171 SH   DFND 0 171 0 0
SEMPRA ENERGY COMMON STOCK 816851109   1,566,866 20,970 SH   SOLE 0 20,970 0 0
SEMPRA ENERGY COMMON STOCK 816851109   120,298 1,610 SH   DFND 0 1,610 0 0
SIXTH ST SPECIALTY LENDING COMMON STOCK 83012A109   32,385 1,500 SH   SOLE 0 1,500 0 0
JM SMUCKER COMPANY COMMON STOCK 832696405   4,802 38 SH   DFND 0 38 0 0
SNAP ON INC COMMON STOCK 833034101   86,649 300 SH   DFND 0 300 0 0
SNAP INC COMMON STOCK 83304A106   5,079 300 SH   DFND 0 300 0 0
SOUTHERN COMPANY COMMON STOCK 842587107   34,353 490 SH   SOLE 0 490 0 0
SOUTHERN COMPANY COMMON STOCK 842587107   91,143 1,300 SH   DFND 0 1,300 0 0
SPROTT PHYSICAL GOLD TRUST ETF/OTHER 85207H104   392,738 24,654 SH   SOLE 0 24,654 0 0
STAG INDL INC COMMON STOCK 85254J102   7,850 200 SH   SOLE 0 200 0 0
STARBUCKS CORP COMMON STOCK 855244109   1,148,247 11,960 SH   SOLE 0 11,960 0 0
STARBUCKS CORP COMMON STOCK 855244109   71,524 745 SH   DFND 0 745 0 0
STARWOOD PROPERTY TRUST INC COMMON STOCK 85571B105   5,255 250 SH   SOLE 0 250 0 0
STATE STREET CORP COMMON STOCK 857477103   61,968 800 SH   SOLE 0 800 0 0
STRYKER CORP COMMON STOCK 863667101   1,845,798 6,164 SH   SOLE 0 6,164 0 0
STRYKER CORP COMMON STOCK 863667101   38,628 129 SH   DFND 0 129 0 0
SUBURBAN PROPANE PARTNERS LP COMMON STOCK 864482104   11,715 660 SH   SOLE 0 660 0 0
SUN COMMUNITIES INC COMMON STOCK 866674104   29,536 221 SH   SOLE 0 221 0 0
SYSCO CORP COMMON STOCK 871829107   253,395 3,465 SH   SOLE 0 3,465 0 0
SYSCO CORP COMMON STOCK 871829107   14,626 200 SH   DFND 0 200 0 0
TJX COMPANIES COMMON STOCK 872540109   278,145 2,965 SH   SOLE 0 2,965 0 0
TJX COMPANIES COMMON STOCK 872540109   9,662 103 SH   DFND 0 103 0 0
T MOBILE US INC COMMON STOCK 872590104   101,328 632 SH   DFND 0 632 0 0
TARGET CORP COMMON STOCK 87612E106   2,617,644 18,380 SH   SOLE 0 18,380 0 0
TARGET CORP COMMON STOCK 87612E106   129,882 912 SH   DFND 0 912 0 0
TELEDYNE TECHNOLOGIES INC COMMON STOCK 879360105   83,454 187 SH   DFND 0 187 0 0
TENARIS SA ADR FOREIGN EQUITIES 88031M109   34,750 1,000 SH   SOLE 0 1,000 0 0
TERADATA CORP COMMON STOCK 88076W103   4,698 108 SH   DFND 0 108 0 0
TESLA MOTORS INC COMMON STOCK 88160R101   211,454 851 SH   SOLE 0 851 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104   5,083,083 29,820 SH   SOLE 0 29,820 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104   176,424 1,035 SH   DFND 0 1,035 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102   1,787,090 3,367 SH   SOLE 0 3,367 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102   323,774 610 SH   DFND 0 610 0 0
3M COMPANY COMMON STOCK 88579Y101   60,126 550 SH   SOLE 0 550 0 0
3M COMPANY COMMON STOCK 88579Y101   133,370 1,220 SH   DFND 0 1,220 0 0
TOMPKINS FINANCIAL CORP COMMON STOCK 890110109   258,946 4,300 SH   DFND 0 4,300 0 0
TORONTO DOMINION BANK FOREIGN EQUITIES 891160509   689,902 10,678 SH   SOLE 0 10,678 0 0
TORONTO DOMINION BANK FOREIGN EQUITIES 891160509   20,998 325 SH   DFND 0 325 0 0
TOYOTA MOTOR CORP FOREIGN EQUITIES 892331307   110,028 600 SH   DFND 0 600 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109   1,452,466 7,625 SH   SOLE 0 7,625 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109   84,766 445 SH   DFND 0 445 0 0
TRIPLEPOINT VENTURE GROWTH BDC CORP COMMON STOCK 89677Y100   2,715 250 SH   SOLE 0 250 0 0
TRUIST FINANCIAL CORP COMMON STOCK 89832Q109   3,328,316 90,175 SH   SOLE 0 90,175 0 0
TRUIST FINANCIAL CORP COMMON STOCK 89832Q109   167,198 4,530 SH   DFND 0 4,530 0 0
TWO HARBORS INVESTMENT CORP COMMON STOCK 90187B804   863 62 SH   SOLE 0 62 0 0
US BANCORP COMMON STOCK 902973304   2,062,046 47,656 SH   SOLE 0 47,656 0 0
US BANCORP COMMON STOCK 902973304   250,315 5,785 SH   DFND 0 5,785 0 0
UNION PACIFIC CORP COMMON STOCK 907818108   1,853,192 7,545 SH   SOLE 0 7,545 0 0
UNION PACIFIC CORP COMMON STOCK 907818108   770,017 3,135 SH   DFND 0 3,135 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106   4,873,867 30,999 SH   SOLE 0 30,999 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106   286,624 1,823 SH   DFND 0 1,823 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102   3,889,447 7,388 SH   SOLE 0 7,388 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102   652,809 1,240 SH   DFND 0 1,240 0 0
VBI VACCINES INC COMMON STOCK 91822J202   164 283 SH   SOLE 0 283 0 0
VALE SA SPONSORED ADS FOREIGN EQUITIES 91912E105   9,516 600 SH   SOLE 0 600 0 0
VANECK VECTORS GOLD MINERS ETF ETF/INTERNATIONAL EQUITY 92189F106   620,000 20,000 SH   DFND 0 20,000 0 0
VANECK VECTORS ETF TR GREEN BD ETF ETF/FIXED INCOME 92189F171   2,383 100 SH   SOLE 0 100 0 0
VANGUARD DIVIDEND APPRECIATION ETF ETF/EQUITY 921908844   1,284,811 7,540 SH   SOLE 0 7,540 0 0
VANGUARD TOTAL INTL STOCK ETF ETF/INTERNATIONAL EQUITY 921909768   173,675 2,997 SH   SOLE 0 2,997 0 0
VANGUARD MEGA CAP GROWTH ETF/EQUITY 921910816   22,058 85 SH   SOLE 0 85 0 0
VANGUARD SHORT TERM BOND ETF ETF/FIXED INCOME 921937827   124,387 1,615 SH   SOLE 0 1,615 0 0
VANGUARD TOTAL BOND MRKT ETF ETF/FIXED INCOME 921937835   360,564 4,903 SH   SOLE 0 4,903 0 0
VANGUARD TOTAL BOND MRKT ETF ETF/FIXED INCOME 921937835   18,385 250 SH   DFND 0 250 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF/INTERNATIONAL EQUITY 921943858   28,740 600 SH   DFND 0 600 0 0
VANGUARD SHORT TERM INFL- PROT SECS ETF ETF/FIXED INCOME 922020805   7,598,400 160,000 SH   SOLE 0 160,000 0 0
VANGUARD ULTRA SHORT TERM ETF/FIXED INCOME 92203C303   98,860 2,000 SH   SOLE 0 2,000 0 0
VANGUARD FINANCIALS ETF ETF/EQUITY 92204A405   735,950 7,977 SH   SOLE 0 7,977 0 0
VANGUARD FINANCIALS ETF ETF/EQUITY 92204A405   274,012 2,970 SH   DFND 0 2,970 0 0
VANGUARD INDUSTRIALS ETF ETF/EQUITY 92204A603   11,021 50 SH   SOLE 0 50 0 0
VANGUARD INDUSTRIALS ETF ETF/EQUITY 92204A603   969,892 4,400 SH   DFND 0 4,400 0 0
VANGUARD INFO TECH ETF ETF/EQUITY 92204A702   1,558,480 3,220 SH   SOLE 0 3,220 0 0
VANGUARD INFO TECH ETF ETF/EQUITY 92204A702   177,144 366 SH   DFND 0 366 0 0
VANGUARD UTILITIES ETF ETF/EQUITY 92204A876   63,737 465 SH   SOLE 0 465 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 922042858   1,423,987 34,656 SH   SOLE 0 34,656 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 922042858   220,278 5,361 SH   DFND 0 5,361 0 0
VANGUARD SHORT TERM CORP BOND ETF ETF/FIXED INCOME 92206C409   356,283 4,605 SH   SOLE 0 4,605 0 0
VANGUARD SHORT TERM CORP BOND ETF ETF/FIXED INCOME 92206C409   287,502 3,716 SH   DFND 0 3,716 0 0
VANGUARD INTERM-TERM GOVT BDETF ETF/FIXED INCOME 92206C706   78,881 1,330 SH   SOLE 0 980 0 350
VANGUARD LONG TERM TREASURY ETF/FIXED INCOME 92206C847   922 15 SH   SOLE 0 15 0 0
VANGUARD S&P 500 ETF ETF/EQUITY 922908363   1,071,879 2,454 SH   SOLE 0 2,454 0 0
VANGUARD MIDCAP VALUE ETF ETF/EQUITY 922908512   14,501 100 SH   SOLE 0 100 0 0
VANGUARD MIDCAP VALUE ETF ETF/EQUITY 922908512   51,333 354 SH   DFND 0 354 0 0
VANGUARD MIDCAP GROWTH ETF ETF/EQUITY 922908538   67,847 309 SH   DFND 0 309 0 0
VANGUARD REIT ETF ETF/EQUITY 922908553   618,149 6,996 SH   SOLE 0 6,996 0 0
VANGUARD REIT ETF ETF/EQUITY 922908553   37,551 425 SH   DFND 0 425 0 0
VANGUARD SMALLCAP VALUE ETF ETF/EQUITY 922908611   179,970 1,000 SH   SOLE 0 1,000 0 0
VANGUARD GROWTH ETF ETF/EQUITY 922908736   217,614 700 SH   SOLE 0 700 0 0
VANGUARD GROWTH ETF ETF/EQUITY 922908736   51,295 165 SH   DFND 0 165 0 0
VANGUARD SMALLCAP ETF ETF/EQUITY 922908751   218,662 1,025 SH   SOLE 0 1,025 0 0
VANGUARD TOTAL STOCK MARKET ETF ETF/EQUITY 922908769   111,493 470 SH   SOLE 0 470 0 0
VANGUARD TOTAL STOCK MARKET ETF ETF/EQUITY 922908769   15,149,106 63,861 SH   DFND 0 63,861 0 0
VERALTO CORP COMMON STOCK 92338C103   904 11 SH   SOLE 0 11 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104   6,872,227 182,288 SH   SOLE 0 182,288 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104   925,076 24,538 SH   DFND 0 24,538 0 0
VIATRIS INC COMMON STOCK 92556V106   1,743 161 SH   SOLE 0 161 0 0
VIATRIS INC COMMON STOCK 92556V106   5,544 512 SH   DFND 0 512 0 0
VISA INC CLASS A COMMON STOCK 92826C839   2,813,191 10,806 SH   SOLE 0 10,806 0 0
VISA INC CLASS A COMMON STOCK 92826C839   435,807 1,674 SH   DFND 0 1,674 0 0
WK KELLOGG CO COMMON STOCK 92942W107   2,628 200 SH   DFND 0 200 0 0
WABTEC CORP COMMON STOCK 929740108   1,776 14 SH   SOLE 0 14 0 0
WABTEC CORP COMMON STOCK 929740108   5,456 43 SH   DFND 0 43 0 0
WAL MART STORES INC COMMON STOCK 931142103   5,461,398 34,643 SH   SOLE 0 34,643 0 0
WAL MART STORES INC COMMON STOCK 931142103   1,078,634 6,842 SH   DFND 0 6,842 0 0
WARNER BROS DISCOVERY INC COMMON STOCK 934423104   5,996 527 SH   SOLE 0 527 0 0
WARNER BROS DISCOVERY INC COMMON STOCK 934423104   14,224 1,250 SH   DFND 0 1,250 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109   594,964 3,322 SH   SOLE 0 3,322 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109   150,442 840 SH   DFND 0 840 0 0
WEBSTER FINANCIAL CORP COMMON STOCK 947890109   23,497 463 SH   DFND 0 463 0 0
WELLS FARGO & CO COMMON STOCK 949746101   24,610 500 SH   SOLE 0 500 0 0
WELLS FARGO & CO COMMON STOCK 949746101   178,422 3,625 SH   DFND 0 3,625 0 0
WILLIAMS COMPANIES INC COMMON STOCK 969457100   348,200 10,000 SH   DFND 0 10,000 0 0
WISDOMTREE US HIGH DIVIDEND ETF ETF/EQUITY 97717W208   1,400,011 17,036 SH   SOLE 0 17,036 0 0
WISDOMTREE US HIGH DIVIDEND ETF ETF/EQUITY 97717W208   7,396 90 SH   DFND 0 90 0 0
WISDOMTREE FLOATING RATE TSY ETF/FIXED INCOME 97717Y527   522,436 10,399 SH   SOLE 0 10,169 0 230
WISDOMTREE FLOATING RATE TSY ETF/FIXED INCOME 97717Y527   12,158 242 SH   DFND 0 242 0 0
WOODSIDE ENERGY GROUP LTD FOREIGN EQUITIES 980228308   1,138 54 SH   DFND 0 54 0 0
SPDR GOLD MINISHARES ETF/OTHER 98149E303   2,802,461 68,520 SH   SOLE 0 68,520 0 0
SPDR GOLD MINISHARES ETF/OTHER 98149E303   11,247 275 SH   DFND 0 275 0 0
ZIMVIE INC COMMON STOCK 98888T107   4,615 260 SH   DFND 0 260 0 0
ZEBRA TECHNOLOGIES CORP CL A COMMON STOCK 989207105   18,312 67 SH   DFND 0 67 0 0
ZIMMER HOLDINGS INC COMMON STOCK 98956P102   237,801 1,954 SH   SOLE 0 1,954 0 0
ZIMMER HOLDINGS INC COMMON STOCK 98956P102   214,192 1,760 SH   DFND 0 1,760 0 0