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   44,589 331 SH   SOLE 0 331 0 0
AMCOR PLC FOREIGN EQUITIES G0250X107   56,104 5,900 SH   SOLE 0 5,900 0 0
AMCOR PLC FOREIGN EQUITIES G0250X107   7,132 750 SH   DFND 0 750 0 0
EATON CORP PLC FOREIGN EQUITIES G29183103   46,900 150 SH   SOLE 0 150 0 0
EATON CORP PLC FOREIGN EQUITIES G29183103   536,228 1,715 SH   DFND 0 1,715 0 0
LINDE PLC FOREIGN EQUITIES G54950103   69,648 150 SH   SOLE 0 150 0 0
MEDTRONIC PLC FOREIGN EQUITIES G5960L103   34,860 400 SH   DFND 0 400 0 0
TRANE TECHNOLOGIES PLC FOREIGN EQUITIES G8994E103   270,171 900 SH   SOLE 0 900 0 0
WHITE MTNS INS GROUP LTD FOREIGN EQUITIES G9618E107   61,006 34 SH   SOLE 0 34 0 0
CHUBB LTD FOREIGN EQUITIES H1467J104   3,304,361 12,752 SH   SOLE 0 12,752 0 0
CHUBB LTD FOREIGN EQUITIES H1467J104   329,867 1,273 SH   DFND 0 1,273 0 0
CRISPR THERAPEUTICS AG FOREIGN EQUITIES H17182108   3,407 50 SH   SOLE 0 50 0 0
UBS GROUP AG FOREIGN EQUITIES H42097107   30,710 1,000 SH   DFND 0 1,000 0 0
AFLAC INC COMMON STOCK 001055102   23,439 273 SH   SOLE 0 273 0 0
AGCO CORP COMMON STOCK 001084102   12,302 100 SH   DFND 0 100 0 0
AT&T INC COMMON STOCK 00206R102   2,535,045 144,120 SH   SOLE 0 144,120 0 0
AT&T INC COMMON STOCK 00206R102   309,720 17,608 SH   DFND 0 17,608 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100   4,044,453 35,584 SH   SOLE 0 35,584 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100   747,083 6,573 SH   DFND 0 6,573 0 0
ABBVIE INC COMMON STOCK 00287Y109   7,756,710 42,596 SH   SOLE 0 42,596 0 0
ABBVIE INC COMMON STOCK 00287Y109   1,813,530 9,959 SH   DFND 0 9,959 0 0
ADOBE INC COMMON STOCK 00724F101   77,706 154 SH   SOLE 0 154 0 0
AGILENT TECHNOLOGIES INC COMMON STOCK 00846U101   11,058 76 SH   SOLE 0 76 0 0
AGENUS INC COMMON STOCK 00847G705   174 300 SH   SOLE 0 300 0 0
AIM IMMUNOTECH INC COMMON STOCK 00901B105   6,216 13,226 SH   SOLE 0 13,226 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106   1,375,832 5,679 SH   SOLE 0 5,679 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106   400,956 1,655 SH   DFND 0 1,655 0 0
ALBEMARLE CORP COMMON STOCK 012653101   715,998 5,435 SH   SOLE 0 5,435 0 0
ALBEMARLE CORP COMMON STOCK 012653101   318,152 2,415 SH   DFND 0 2,415 0 0
ALLIANCEBERNSTEIN HLDG LP COMMON STOCK 01881G106   17,365 500 SH   DFND 0 500 0 0
THE ALLSTATE CORPORATION COMMON STOCK 020002101   17,301 100 SH   DFND 0 100 0 0
ALPHABET INC CLASS C COMMON STOCK 02079K107   1,170,875 7,690 SH   SOLE 0 7,690 0 0
ALPHABET INC CLASS C COMMON STOCK 02079K107   53,290 350 SH   DFND 0 350 0 0
ALPHABET INC CLASS A COMMON STOCK 02079K305   4,874,239 32,295 SH   SOLE 0 32,295 0 0
ALPHABET INC CLASS A COMMON STOCK 02079K305   1,451,945 9,620 SH   DFND 0 9,620 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103   41,211 945 SH   SOLE 0 945 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103   28,346 650 SH   DFND 0 650 0 0
AMAZON.COM INC COMMON STOCK 023135106   4,176,676 23,155 SH   SOLE 0 23,155 0 0
AMAZON.COM INC COMMON STOCK 023135106   1,277,990 7,085 SH   DFND 0 7,085 0 0
AMEREN CORPORATION COMMON STOCK 023608102   184,727 2,498 SH   SOLE 0 2,498 0 0
AVANTIS US SMALLCAP VALUE ETF/EQUITY 025072877   2,241,718 23,922 SH   SOLE 0 23,909 0 13
AMERICAN ELECTRIC POWER CO COMMON STOCK 025537101   3,041,618 35,327 SH   SOLE 0 35,327 0 0
AMERICAN ELECTRIC POWER CO COMMON STOCK 025537101   315,985 3,670 SH   DFND 0 3,670 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109   1,383,204 6,075 SH   SOLE 0 6,075 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109   27,777 122 SH   DFND 0 122 0 0
AMERICAN TOWER CORP COMMON STOCK 03027X100   603,635 3,055 SH   SOLE 0 3,055 0 0
AMERICAN TOWER CORP COMMON STOCK 03027X100   197,590 1,000 SH   DFND 0 1,000 0 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103   122,210 1,000 SH   SOLE 0 1,000 0 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103   122,210 1,000 SH   DFND 0 1,000 0 0
AMETEK INC COMMON STOCK 031100100   585,280 3,200 SH   SOLE 0 3,200 0 0
AMETEK INC COMMON STOCK 031100100   365,800 2,000 SH   DFND 0 2,000 0 0
AMGEN INC COMMON STOCK 031162100   3,461,008 12,173 SH   SOLE 0 12,173 0 0
AMGEN INC COMMON STOCK 031162100   867,459 3,051 SH   DFND 0 3,051 0 0
ELEVANCE HEALTH INC COMMON STOCK 036752103   2,492,511 4,807 SH   SOLE 0 4,807 0 0
ELEVANCE HEALTH INC COMMON STOCK 036752103   115,108 222 SH   DFND 0 222 0 0
APOLLO COMM REAL ESTATE COMMON STOCK 03762U105   22,280 2,000 SH   DFND 0 2,000 0 0
APPLE INC COMMON STOCK 037833100   67,630,308 394,392 SH   SOLE 0 394,392 0 0
APPLE INC COMMON STOCK 037833100   792,921 4,624 SH   DFND 0 4,624 0 0
APPLIED MATERIALS INC COMMON STOCK 038222105   20,623 100 SH   SOLE 0 100 0 0
ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102   1,378,339 21,945 SH   SOLE 0 21,945 0 0
ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102   67,520 1,075 SH   DFND 0 1,075 0 0
ARES CAPITAL CORPORATION COMMON STOCK 04010L103   20,810 1,000 SH   SOLE 0 1,000 0 0
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103   2,807,797 11,243 SH   SOLE 0 11,243 0 0
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103   245,743 984 SH   DFND 0 984 0 0
BCE INC FOREIGN EQUITIES 05534B760   11,549 340 SH   DFND 0 340 0 0
BP PLC ADR FOREIGN EQUITIES 055622104   8,967 238 SH   SOLE 0 238 0 0
BP PLC ADR FOREIGN EQUITIES 055622104   18,840 500 SH   DFND 0 500 0 0
BANK OF AMERICA CORPORATION COMMON STOCK 060505104   578,238 15,253 SH   SOLE 0 15,253 0 0
BANK OF AMERICA CORPORATION COMMON STOCK 060505104   77,715 2,050 SH   DFND 0 2,050 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100   59,050 1,025 SH   SOLE 0 1,025 0 0
BARRICK GOLD CORPORATION FOREIGN EQUITIES 067901108   3,326 200 SH   SOLE 0 200 0 0
BAXTER INTERNATIONAL INC COMMON STOCK 071813109   90,800 2,125 SH   SOLE 0 2,125 0 0
BAXTER INTERNATIONAL INC COMMON STOCK 071813109   34,184 800 SH   DFND 0 800 0 0
BECTON DICKINSON AND COMPANY COMMON STOCK 075887109   1,124,653 4,545 SH   SOLE 0 4,545 0 0
BERKSHIRE HATHAWAY INC B COMMON STOCK 084670702   327,997 780 SH   SOLE 0 780 0 0
BERKSHIRE HILLS BANCORP INC COMMON STOCK 084680107   6,048 264 SH   DFND 0 264 0 0
BHP GROUP LTD ADR FOREIGN EQUITIES 088606108   178,808 3,100 SH   SOLE 0 3,100 0 0
BHP GROUP LTD ADR FOREIGN EQUITIES 088606108   23,072 400 SH   DFND 0 400 0 0
BIOGEN INC COMMON STOCK 09062X103   172,504 800 SH   DFND 0 800 0 0
BLACKBERRY LTD NPV FOREIGN EQUITIES 09228F103   228 83 SH   DFND 0 83 0 0
BLACKROCK INC COMMON STOCK 09247X101   937,911 1,125 SH   SOLE 0 1,125 0 0
BLACKROCK INC COMMON STOCK 09247X101   558,579 670 SH   DFND 0 670 0 0
BOEING COMPANY COMMON STOCK 097023105   135,093 700 SH   SOLE 0 700 0 0
BOEING COMPANY COMMON STOCK 097023105   38,598 200 SH   DFND 0 200 0 0
BORGWARNER INC COMMON STOCK 099724106   1,321,972 38,065 SH   SOLE 0 38,065 0 0
BORGWARNER INC COMMON STOCK 099724106   20,837 600 SH   DFND 0 600 0 0
BRISTOL MYERS SQUIBB COMPANY COMMON STOCK 110122108   6,277,821 115,785 SH   SOLE 0 115,785 0 0
BRISTOL MYERS SQUIBB COMPANY COMMON STOCK 110122108   5,411,044 99,798 SH   DFND 0 99,798 0 0
BROADCOM INC COMMON STOCK 11135F101   5,316,191 4,011 SH   SOLE 0 4,011 0 0
BROADCOM INC COMMON STOCK 11135F101   1,977,509 1,492 SH   DFND 0 1,492 0 0
BROOKFIELD CORP NPV FOREIGN EQUITIES 11271J107   63,962 1,528 SH   DFND 0 1,528 0 0
BROOKFIELD ASSET MGMT LTD FOREIGN EQUITIES 113004105   16,051 382 SH   DFND 0 382 0 0
CDW CORPORATION COMMON STOCK 12514G108   25,578 100 SH   SOLE 0 100 0 0
CIGNA GROUP COMMON STOCK 125523100   145,276 400 SH   SOLE 0 400 0 0
CSX CORP COMMON STOCK 126408103   781,966 21,100 SH   SOLE 0 21,100 0 0
CSX CORP COMMON STOCK 126408103   1,666,216 44,960 SH   DFND 0 44,960 0 0
CVS HEALTH CORP COMMON STOCK 126650100   2,773,718 34,776 SH   SOLE 0 34,776 0 0
CVS HEALTH CORP COMMON STOCK 126650100   548,508 6,877 SH   DFND 0 6,877 0 0
CAMPBELL SOUP CO COMMON STOCK 134429109   17,780 400 SH   DFND 0 400 0 0
CARDINAL HEALTH INC COMMON STOCK 14149Y108   8,168 73 SH   DFND 0 73 0 0
CARRIER GLOBAL CORPORATION COMMON STOCK 14448C104   559,495 9,625 SH   SOLE 0 9,625 0 0
CARRIER GLOBAL CORPORATION COMMON STOCK 14448C104   50,863 875 SH   DFND 0 875 0 0
CATERPILLAR INC COMMON STOCK 149123101   5,974,464 16,305 SH   SOLE 0 16,305 0 0
CATERPILLAR INC COMMON STOCK 149123101   340,769 930 SH   DFND 0 930 0 0
CEL SCI CORP COMMON STOCK 150837607   950 500 SH   SOLE 0 500 0 0
THE CHEMOURS CO COMMON STOCK 163851108   1,575 60 SH   SOLE 0 60 0 0
CHEVRON CORP COMMON STOCK 166764100   4,605,504 29,197 SH   SOLE 0 29,197 0 0
CHEVRON CORP COMMON STOCK 166764100   895,486 5,677 SH   DFND 0 5,677 0 0
CHURCH & DWIGHT CO INC COMMON STOCK 171340102   208,620 2,000 SH   SOLE 0 2,000 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102   7,681,379 153,936 SH   SOLE 0 153,936 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102   1,414,312 28,343 SH   DFND 0 28,343 0 0
CITIGROUP INC COMMON STOCK 172967424   63,240 1,000 SH   SOLE 0 1,000 0 0
COCA COLA COMPANY COMMON STOCK 191216100   6,144,037 100,426 SH   SOLE 0 100,426 0 0
COCA COLA COMPANY COMMON STOCK 191216100   474,510 7,756 SH   DFND 0 7,756 0 0
COHERENT CORP COMMON STOCK 19247G107   12,122 200 SH   DFND 0 200 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103   1,557,865 17,300 SH   SOLE 0 17,300 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103   36,020 400 SH   DFND 0 400 0 0
COMCAST CORP CLASS A COMMON STOCK 20030N101   1,276,531 29,454 SH   SOLE 0 29,454 0 0
COMCAST CORP CLASS A COMMON STOCK 20030N101   138,816 3,203 SH   DFND 0 3,203 0 0
COMMUNITY BK SYS INC COMMON STOCK 203607106   299,515 6,236 SH   SOLE 0 6,236 0 0
COMMUNITY BK SYS INC COMMON STOCK 203607106   5,571,047 115,991 SH   DFND 0 115,991 0 0
CONAGRA FOODS INC COMMON STOCK 205887102   1,347,695 45,485 SH   SOLE 0 45,485 0 0
CONAGRA FOODS INC COMMON STOCK 205887102   82,963 2,800 SH   DFND 0 2,800 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104   1,460,276 11,473 SH   SOLE 0 11,473 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104   26,219 206 SH   DFND 0 206 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104   132,582 1,460 SH   SOLE 0 1,460 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104   236,105 2,600 SH   DFND 0 2,600 0 0
CONSTELLATION BRANDS INC COMMON STOCK 21036P108   271,760 1,000 SH   SOLE 0 1,000 0 0
CONSTELLATION BRANDS INC COMMON STOCK 21036P108   271,760 1,000 SH   DFND 0 1,000 0 0
CONSTELLATION ENERGY CORP COMMON STOCK 21037T109   52,127 282 SH   DFND 0 282 0 0
CORNING INC COMMON STOCK 219350105   2,735,532 83,022 SH   SOLE 0 83,022 0 0
CORNING INC COMMON STOCK 219350105   133,282 4,045 SH   DFND 0 4,045 0 0
CORTEVA INC COMMON STOCK 22052L104   95,267 1,652 SH   SOLE 0 1,652 0 0
CORTEVA INC COMMON STOCK 22052L104   4,325 75 SH   DFND 0 75 0 0
COUPANG INC CL A FOREIGN EQUITIES 22266T109   3,556 200 SH   DFND 0 200 0 0
CROCS INC COMMON STOCK 227046109   148,833 1,035 SH   SOLE 0 1,035 0 0
CUMMINS INC COMMON STOCK 231021106   2,682,396 9,104 SH   SOLE 0 9,104 0 0
CUMMINS INC COMMON STOCK 231021106   659,993 2,240 SH   DFND 0 2,240 0 0
DANAHER CORP COMMON STOCK 235851102   108,628 435 SH   SOLE 0 435 0 0
DEERE & COMPANY COMMON STOCK 244199105   1,141,788 2,780 SH   SOLE 0 2,780 0 0
DEERE & COMPANY COMMON STOCK 244199105   275,187 670 SH   DFND 0 670 0 0
DIGI INTL INC COMMON STOCK 253798102   12,772 400 SH   DFND 0 400 0 0
TRUMP MEDIA & TECHNOLOGY GROCOM COMMON STOCK 25400Q105   26,328 425 SH   SOLE 0 425 0 0
DIME CMNTY BANCSHARES INC COMMON STOCK 25432X102   3,850 200 SH   SOLE 0 200 0 0
WALT DISNEY CO COMMON STOCK 254687106   2,822,587 23,068 SH   SOLE 0 23,068 0 0
WALT DISNEY CO COMMON STOCK 254687106   115,381 943 SH   DFND 0 943 0 0
DOLLAR GENERAL CORP COMMON STOCK 256677105   541,523 3,470 SH   SOLE 0 3,470 0 0
DOLLAR GENERAL CORP COMMON STOCK 256677105   72,567 465 SH   DFND 0 465 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109   800,691 16,281 SH   SOLE 0 16,281 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109   62,996 1,281 SH   DFND 0 1,281 0 0
DORCHESTER MINERALS LP COMMON STOCK 25820R105   1,686,335 50,010 SH   SOLE 0 50,010 0 0
DOW INC COMMON STOCK 260557103   2,515,976 43,432 SH   SOLE 0 43,432 0 0
DOW INC COMMON STOCK 260557103   139,721 2,412 SH   DFND 0 2,412 0 0
DRAFTKINGS INC CL A COMMON STOCK 26142V105   9,080 200 SH   SOLE 0 200 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204   120,887 1,250 SH   SOLE 0 1,250 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102   3,393,591 44,263 SH   SOLE 0 44,263 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102   170,661 2,226 SH   DFND 0 2,226 0 0
EOG RESOURCES INC COMMON STOCK 26875P101   933,100 7,299 SH   SOLE 0 7,299 0 0
EOG RESOURCES INC COMMON STOCK 26875P101   41,548 325 SH   DFND 0 325 0 0
EASTMAN CHEMICAL CO COMMON STOCK 277432100   31,669 316 SH   SOLE 0 316 0 0
ECOLAB INC COMMON STOCK 278865100   253,990 1,100 SH   SOLE 0 1,100 0 0
EDISON INTL COMMON STOCK 281020107   263,572 3,727 SH   DFND 0 3,727 0 0
EDWARDS LIFESCIENCES CORP COMMON STOCK 28176E108   91,737 960 SH   DFND 0 960 0 0
EMERSON ELECTRIC CO COMMON STOCK 291011104   5,688,087 50,151 SH   SOLE 0 50,151 0 0
EMERSON ELECTRIC CO COMMON STOCK 291011104   680,289 5,998 SH   DFND 0 5,998 0 0
ENBRIDGE INC FOREIGN EQUITIES 29250N105   37,952 1,049 SH   DFND 0 1,049 0 0
ENERGY TRANSFER EQUITY LP COMMON STOCK 29273V100   26,741 1,700 SH   DFND 0 1,700 0 0
ENTERPRISE PRODS PARTNERS LP COMMON STOCK 293792107   32,039 1,098 SH   SOLE 0 1,098 0 0
EQUIFAX INC COMMON STOCK 294429105   735,652 2,750 SH   SOLE 0 2,750 0 0
EQUIFAX INC COMMON STOCK 294429105   267,510 1,000 SH   DFND 0 1,000 0 0
EQUITRANS MIDSTREAM CORP COMMON STOCK 294600101   6,245 500 SH   DFND 0 500 0 0
ESCO TECHNOLOGIES COMMON STOCK 296315104   8,992 84 SH   DFND 0 84 0 0
ESSENTIAL UTILITIES INC COMMON STOCK 29670G102   936,777 25,291 SH   SOLE 0 25,291 0 0
ESSENTIAL UTILITIES INC COMMON STOCK 29670G102   75,006 2,025 SH   DFND 0 2,025 0 0
EXELON CORP COMMON STOCK 30161N101   1,083,453 28,846 SH   SOLE 0 28,846 0 0
EXELON CORP COMMON STOCK 30161N101   108,359 2,885 SH   DFND 0 2,885 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102   5,501,515 47,329 SH   SOLE 0 47,329 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102   1,093,584 9,408 SH   DFND 0 9,408 0 0
META PLATFORMS INC COMMON STOCK 30303M102   135,962 280 SH   DFND 0 280 0 0
FEDEX CORP COMMON STOCK 31428X106   95,609 330 SH   SOLE 0 330 0 0
FIDELITY NATL INFORMATION SV COMMON STOCK 31620M106   74,180 1,000 SH   SOLE 0 1,000 0 0
FIDELITY NATL INFORMATION SV COMMON STOCK 31620M106   74,180 1,000 SH   DFND 0 1,000 0 0
FIFTH THIRD BANCORP COMMON STOCK 316773100   24,366 655 SH   DFND 0 655 0 0
FINANCIAL INSTITUTIONS INC COMMON STOCK 317585404   4,702 250 SH   SOLE 0 250 0 0
FIRST SOLAR, INC. COMMON STOCK 336433107   844,000 5,000 SH   DFND 0 5,000 0 0
FIRST TR PFD SEC AND INC ETF/OTHER 33739E108   6,093 352 SH   SOLE 0 352 0 0
FLEXSHARES GLOBAL UPSTREAM NATURAL RESOURCES ETF/INTERNATIONAL EQUITY 33939L407   1,538,308 37,465 SH   SOLE 0 37,465 0 0
FLEXSHARES GLOBAL UPSTREAM NATURAL RESOURCES ETF/INTERNATIONAL EQUITY 33939L407   63,643 1,550 SH   DFND 0 1,550 0 0
FORD MOTOR COMPANY COMMON STOCK 345370860   15,936 1,200 SH   SOLE 0 1,200 0 0
FORD MOTOR COMPANY COMMON STOCK 345370860   17,264 1,300 SH   DFND 0 1,300 0 0
FORTUNE BRANDS HOME & SEC COMMON STOCK 34964C106   40,641 480 SH   SOLE 0 480 0 0
FOX CORP COMMON STOCK 35137L105   171,985 5,500 SH   SOLE 0 5,500 0 0
FRANCO NEVADA CORP FOREIGN EQUITIES 351858105   15,729 132 SH   DFND 0 132 0 0
FRANKLIN FTSE CANADA ETF/INTERNATIONAL EQUITY 35473P827   1,723,412 49,695 SH   SOLE 0 49,605 0 90
FRANKLIN FTSE CANADA ETF/INTERNATIONAL EQUITY 35473P827   8,149 235 SH   DFND 0 235 0 0
FREEPORT MCMORAN INC COMMON STOCK 35671D857   935,692 19,900 SH   SOLE 0 19,900 0 0
FREEPORT MCMORAN INC COMMON STOCK 35671D857   37,616 800 SH   DFND 0 800 0 0
GABELLI MULTIMEDIA TR INC CLOSED END MUTUAL FUNDS 36239Q109   1,692 299 SH   DFND 0 299 0 0
GABELLI EQUITY TR INC CLOSED END MUTUAL FUNDS 362397101   5,510 1,000 SH   DFND 0 1,000 0 0
GABELLI UTILITY TRUST CLOSED END MUTUAL FUNDS 36240A101   1,831 330 SH   DFND 0 330 0 0
GE HEALTHCARE TECH COMMON STOCK 36266G107   28,357 312 SH   SOLE 0 312 0 0
GE HEALTHCARE TECH COMMON STOCK 36266G107   39,359 433 SH   DFND 0 433 0 0
GAP INC COMMON STOCK 364760108   55,080 2,000 SH   SOLE 0 2,000 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108   1,521,436 5,386 SH   SOLE 0 5,386 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108   39,547 140 SH   DFND 0 140 0 0
GE AEROSPACE COMMON STOCK 369604301   254,689 1,451 SH   SOLE 0 1,451 0 0
GE AEROSPACE COMMON STOCK 369604301   238,192 1,357 SH   DFND 0 1,357 0 0
GENERAL MILLS INC COMMON STOCK 370334104   2,045,069 29,228 SH   SOLE 0 29,228 0 0
GENERAL MILLS INC COMMON STOCK 370334104   184,720 2,640 SH   DFND 0 2,640 0 0
GENERAL MOTORS CO COMMON STOCK 37045V100   9,068 200 SH   DFND 0 200 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103   1,296,368 17,698 SH   SOLE 0 17,698 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103   164,812 2,250 SH   DFND 0 2,250 0 0
GLOBAL X MLP ETF ETF/EQUITY 37954Y343   32,789 680 SH   SOLE 0 680 0 0
GLOBAL X 1-3 MONTH T-BILL ETF/OTHER 37960A537   16,673 664 SH   SOLE 0 664 0 0
GOLDMAN SACHS ACCESS ULTRAST ETF/FIXED INCOME 381430230   100,700 2,000 SH   SOLE 0 2,000 0 0
GOLDMAN SACHS JUST US LARGE CAP EQUITY ETF ETF/EQUITY 381430396   7,879 105 SH   SOLE 0 105 0 0
HANESBRANDS INC COMMON STOCK 410345102   2,900 500 SH   SOLE 0 500 0 0
HARLEY DAVIDSON INC COMMON STOCK 412822108   8,746 200 SH   SOLE 0 200 0 0
HERCULES CAPITAL INC COMMON STOCK 427096508   11,525 625 SH   SOLE 0 625 0 0
HERSHEY CO COMMON STOCK 427866108   38,900 200 SH   SOLE 0 200 0 0
HOME DEPOT INC COMMON STOCK 437076102   3,891,835 10,146 SH   SOLE 0 10,146 0 0
HOME DEPOT INC COMMON STOCK 437076102   53,699 140 SH   DFND 0 140 0 0
HONEYWELL INTL INC COMMON STOCK 438516106   2,264,297 11,032 SH   SOLE 0 11,032 0 0
HONEYWELL INTL INC COMMON STOCK 438516106   42,896 209 SH   DFND 0 209 0 0
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109   4,755,153 17,722 SH   SOLE 0 17,722 0 0
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109   602,378 2,245 SH   DFND 0 2,245 0 0
INCYTE CORP COMMON STOCK 45337C102   5,697 100 SH   SOLE 0 100 0 0
INFUSYSTEMS HOLDINGS INC COMMON STOCK 45685K102   8,570 1,000 SH   SOLE 0 1,000 0 0
INGERSOLL RAND INC COMMON STOCK 45687V106   103,970 1,095 SH   SOLE 0 1,095 0 0
INTEL CORP COMMON STOCK 458140100   3,656,792 82,808 SH   SOLE 0 82,808 0 0
INTEL CORP COMMON STOCK 458140100   295,429 6,690 SH   DFND 0 6,690 0 0
INTL BUSINESS MACHINES CORP COMMON STOCK 459200101   12,181,703 63,792 SH   SOLE 0 63,792 0 0
INTL BUSINESS MACHINES CORP COMMON STOCK 459200101   7,725,856 40,458 SH   DFND 0 40,458 0 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103   100,476 2,575 SH   SOLE 0 2,575 0 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103   6,087 156 SH   DFND 0 156 0 0
INVESCO QQQ TRUST ETF/EQUITY 46090E103   1,013,226 2,282 SH   SOLE 0 2,282 0 0
INVESCO QQQ TRUST ETF/EQUITY 46090E103   108,337 244 SH   DFND 0 244 0 0
INVESCO MUNICIPAL TRUST CLOSED END MUTUAL FUNDS 46131J103   19,400 2,000 SH   SOLE 0 2,000 0 0
INVESCO WILDERHILL CLEAN ENERGY ETF ETF/EQUITY 46137V134   7,441 323 SH   DFND 0 323 0 0
INVESCO BULLETSHS CORP ETF ETF/FIXED INCOME 46138J577   6,950 380 SH   SOLE 0 380 0 0
INVESCO BULLETSHARES 2028 CORP BOND ETF/FIXED INCOME 46138J643   15,145 755 SH   SOLE 0 755 0 0
INVESCO BULLETSHARES 2033 CORP BOND ETF ETF/FIXED INCOME 46139W825   4,994,722 239,670 SH   SOLE 0 239,670 0 0
IQVIA HLDGS INC COMMON STOCK 46266C105   25,289 100 SH   SOLE 0 100 0 0
ISHARES SILVER TRUST ETF/OTHER 46428Q109   17,062 750 SH   SOLE 0 750 0 0
ISHARES SILVER TRUST ETF/OTHER 46428Q109   34,238 1,505 SH   DFND 0 1,505 0 0
ISHARES GOLD TRUST ETF/OTHER 464285204   525,294 12,507 SH   SOLE 0 12,352 0 155
ISHARES MSCI CANADA ETF ETF/INTERNATIONAL EQUITY 464286509   1,113,690 29,102 SH   SOLE 0 29,102 0 0
ISHARES MSCI CANADA ETF ETF/INTERNATIONAL EQUITY 464286509   104,203 2,723 SH   DFND 0 2,723 0 0
ISHARES MSCI EUROZONE ETF ETF/INTERNATIONAL EQUITY 464286608   363,537 7,120 SH   SOLE 0 7,095 0 25
ISHARES CORE S&P 500 ETF ETF/EQUITY 464287200   54,553,431 103,769 SH   SOLE 0 103,769 0 0
ISHARES CORE S&P 500 ETF ETF/EQUITY 464287200   163,496 311 SH   DFND 0 311 0 0
ISHARES MSCI EMERGING MKTS ETF ETF/INTERNATIONAL EQUITY 464287234   16,140 393 SH   SOLE 0 393 0 0
ISHARES IBOXX $ INVMT GRADE CORP BOND ETF ETF/FIXED INCOME 464287242   49,993 459 SH   SOLE 0 459 0 0
ISHARES S&P 500 GROWTH ETF ETF/EQUITY 464287309   820,756 9,720 SH   SOLE 0 9,720 0 0
ISHARES GLOBAL HEALTHCARE ETF/EQUITY 464287325   2,333,397 25,050 SH   SOLE 0 25,020 0 30
ISHARES GLOBAL HEALTHCARE ETF/EQUITY 464287325   3,726 40 SH   DFND 0 40 0 0
ISHARES S&P 500 VALUE ETF ETF/EQUITY 464287408   785,909 4,207 SH   SOLE 0 4,207 0 0
ISHARES 7-10 YEAR TSY BOND ETF/FIXED INCOME 464287440   887,046 9,372 SH   SOLE 0 9,151 0 221
ISHARES 7-10 YEAR TSY BOND ETF/FIXED INCOME 464287440   23,189 245 SH   DFND 0 245 0 0
ISHARES 1-3 YR TREASURY BOND ETF/FIXED INCOME 464287457   1,780,628 21,774 SH   SOLE 0 21,774 0 0
ISHARES 1-3 YR TREASURY BOND ETF/FIXED INCOME 464287457   128,309 1,569 SH   DFND 0 1,569 0 0
ISHARES MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 464287465   2,287,017 28,638 SH   SOLE 0 28,638 0 0
ISHARES MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 464287465   328,382 4,112 SH   DFND 0 4,112 0 0
ISHARES RUSSELL MIDCAP VALUE ETF/EQUITY 464287473   4,585,165 36,585 SH   SOLE 0 36,585 0 0
ISHARES RUSSELL MIDCAP VALUE ETF/EQUITY 464287473   125,329 1,000 SH   DFND 0 1,000 0 0
ISHARES CORE S&P MIDCAP ETF ETF/EQUITY 464287507   10,727,336 176,611 SH   SOLE 0 176,511 0 100
ISHARES CORE S&P MIDCAP ETF ETF/EQUITY 464287507   173,107 2,850 SH   DFND 0 2,850 0 0
ISHARES RUSSELL 1000 VALUE ETF/EQUITY 464287598   5,260,781 29,372 SH   SOLE 0 29,247 0 125
ISHARES RUSSELL 1000 VALUE ETF/EQUITY 464287598   225,854 1,261 SH   DFND 0 1,261 0 0
ISHARES S&P MIDCAP 400 GROWTH ETF ETF/EQUITY 464287606   344,925 3,780 SH   SOLE 0 3,780 0 0
ISHARES S&P MIDCAP 400 GROWTH ETF ETF/EQUITY 464287606   43,343 475 SH   DFND 0 475 0 0
ISHARES RUSSELL 1000 GROWTH ETF ETF/EQUITY 464287614   7,870,197 23,351 SH   SOLE 0 23,293 0 58
ISHARES RUSSELL 1000 GROWTH ETF ETF/EQUITY 464287614   237,276 704 SH   DFND 0 704 0 0
ISHARES RUSSELL 2000 ETF ETF/EQUITY 464287655   1,308,049 6,220 SH   SOLE 0 6,220 0 0
ISHARES RUSSELL 2000 ETF ETF/EQUITY 464287655   82,646 393 SH   DFND 0 393 0 0
ISHARES CORE S&P SMALLCAP ETF ETF/EQUITY 464287804   13,025,420 117,856 SH   SOLE 0 117,813 0 43
ISHARES CORE S&P SMALLCAP ETF ETF/EQUITY 464287804   142,569 1,290 SH   DFND 0 1,290 0 0
ISHARES GLOBAL CLEAN ENERGY ETF/INTERNATIONAL EQUITY 464288224   27,960 2,000 SH   SOLE 0 2,000 0 0
ISHARES GLOBAL CLEAN ENERGY ETF/INTERNATIONAL EQUITY 464288224   8,388 600 SH   DFND 0 600 0 0
ISHARES MSCI ACWI EX US ETF ETF/INTERNATIONAL EQUITY 464288240   2,472,031 46,311 SH   SOLE 0 46,311 0 0
ISHARES MSCI ACWI EX US ETF ETF/INTERNATIONAL EQUITY 464288240   248,210 4,650 SH   DFND 0 4,650 0 0
ISHARES MSCI ACWI ETF ETF/EQUITY 464288257   1,266,495 11,500 SH   SOLE 0 11,500 0 0
ISHARES IBOXX $ HIGH YIELD CORP BOND ETF ETF/FIXED INCOME 464288513   224,221 2,885 SH   SOLE 0 2,885 0 0
ISHARES IBOXX $ HIGH YIELD CORP BOND ETF ETF/FIXED INCOME 464288513   82,768 1,065 SH   DFND 0 1,065 0 0
ISHARES TR BARCLYS MBS BD ETF/FIXED INCOME 464288588   753,950 8,158 SH   SOLE 0 7,940 0 218
ISHARES INTERMEDIATE CREDIT BOND ETF ETF/FIXED INCOME 464288638   25,588 496 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   2,374,475 73,696 SH   SOLE 0 73,696 0 0
ISHARES US PREFERRED STOCK ETF/OTHER 464288687   139,832 4,340 SH   DFND 0 4,340 0 0
ISHARES CORE HIGH DIVIDEND ETF/EQUITY 46429B663   105,800 960 SH   SOLE 0 960 0 0
ISHARES EDGE MSCI MIN VOL USA ETF ETF/EQUITY 46429B697   968,265 11,585 SH   SOLE 0 11,505 0 80
ISHARES CORE MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 46432F842   30,719,113 413,893 SH   SOLE 0 413,673 0 220
ISHARES CORE MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 46432F842   264,073 3,558 SH   DFND 0 3,558 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 46434G103   7,064,929 136,944 SH   SOLE 0 136,837 0 107
ISHARES CORE MSCI EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 46434G103   15,992 310 SH   DFND 0 310 0 0
ISHARES MSCI EM EX CHINA ETF/INTERNATIONAL EQUITY 46434G764   2,253,693 39,154 SH   SOLE 0 39,112 0 42
ISHARES MSCI EM EX CHINA ETF/INTERNATIONAL EQUITY 46434G764   3,453 60 SH   DFND 0 60 0 0
ISHARES ESG MSCI EM ETF ETF/INTERNATIONAL EQUITY 46434G863   347,230 10,777 SH   SOLE 0 10,777 0 0
ISHARES MSCI ACWI LOW CARBON ETF/EQUITY 46434V464   3,051 17 SH   SOLE 0 17 0 0
ISHARES ESG USD CORP BOND ETF/FIXED INCOME 46435G193   8,617 375 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   14,370 125 SH   SOLE 0 125 0 0
ISHARES ESG MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 46435G516   406,528 5,088 SH   SOLE 0 5,088 0 0
ISHARES ESG AWARE MSCI SMALLCAP ETF ETF/EQUITY 46435U663   2,053 51 SH   SOLE 0 51 0 0
ISHARES IBONDS DEC 2030 TERM TSY ETF ETF/FIXED INCOME 46436E593   134,180 6,913 SH   SOLE 0 6,913 0 0
ISHARES 0-3 MONTH TREASURY ETF/FIXED INCOME 46436E718   208,864 2,074 SH   SOLE 0 2,074 0 0
ISHARES IBONDS DEC 2028 TERM ETF/FIXED INCOME 46436E833   28,837 1,315 SH   SOLE 0 1,315 0 0
JPMORGAN CHASE & CO COMMON STOCK 46625H100   14,497,468 72,379 SH   SOLE 0 72,379 0 0
JPMORGAN CHASE & CO COMMON STOCK 46625H100   1,295,735 6,469 SH   DFND 0 6,469 0 0
JABIL CIRCUIT INC. COMMON STOCK 466313103   26,790 200 SH   SOLE 0 200 0 0
JPMORGAN EQUITY PREMIUM INC ETF/EQUITY 46641Q332   8,933,921 154,406 SH   SOLE 0 154,221 0 185
JPMORGAN EQUITY PREMIUM INC ETF/EQUITY 46641Q332   17,936 310 SH   DFND 0 310 0 0
JACOBS SOLUTIONS INC COMMON STOCK 46982L108   23,059 150 SH   DFND 0 150 0 0
JANUS HENDERSON SECURITIZED INCOME ETF ETF/FIXED INCOME 47103U746   235,997 4,572 SH   SOLE 0 4,458 0 114
JANUS HENDERSON SECURITIZED INCOME ETF ETF/FIXED INCOME 47103U746   9,291 180 SH   DFND 0 180 0 0
JANUS DETROIT STREET TR HENDERSON AAA CLO ETF/FIXED INCOME 47103U845   514,746 10,145 SH   SOLE 0 9,870 0 275
JANUS DETROIT STREET TR HENDERSON AAA CLO ETF/FIXED INCOME 47103U845   13,953 275 SH   DFND 0 275 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104   5,415,403 34,234 SH   SOLE 0 34,234 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104   1,323,883 8,369 SH   DFND 0 8,369 0 0
KELLANOVA COMPANY COMMON STOCK 487836108   45,832 800 SH   DFND 0 800 0 0
KENVUE INC COMMON STOCK 49177J102   1,731,697 80,733 SH   SOLE 0 80,733 0 0
KENVUE INC COMMON STOCK 49177J102   182,599 8,513 SH   DFND 0 8,513 0 0
KEYCORP COMMON STOCK 493267108   7,905 500 SH   SOLE 0 500 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103   1,230,368 9,512 SH   SOLE 0 9,512 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103   137,111 1,060 SH   DFND 0 1,060 0 0
KINDER MORGAN INC COMMON STOCK 49456B101   1,084,349 59,125 SH   SOLE 0 59,125 0 0
KINDER MORGAN INC COMMON STOCK 49456B101   98,669 5,380 SH   DFND 0 5,380 0 0
KRAFT HEINZ COMPANY COMMON STOCK 500754106   86,064 2,333 SH   DFND 0 2,333 0 0
KYNDRYL HOLDINGS INC COMMON STOCK 50155Q100   217 10 SH   SOLE 0 10 0 0
LAM RESEARCH CORP COMMON STOCK 512807108   1,344,618 1,384 SH   SOLE 0 1,384 0 0
LAM RESEARCH CORP COMMON STOCK 512807108   111,729 115 SH   DFND 0 115 0 0
ESTEE LAUDER COMP INC CL A COMMON STOCK 518439104   15,415 100 SH   SOLE 0 100 0 0
LENNAR CORP CL A COMMON STOCK 526057104   573,543 3,335 SH   SOLE 0 3,335 0 0
LENNAR CORP CL A COMMON STOCK 526057104   47,294 275 SH   DFND 0 275 0 0
LIBERTY ALL STAR EQUITY FD CLOSED END MUTUAL FUNDS 530158104   17,174 2,402 SH   DFND 0 2,402 0 0
ELI LILLY AND COMPANY COMMON STOCK 532457108   1,758,957 2,261 SH   SOLE 0 2,261 0 0
ELI LILLY AND COMPANY COMMON STOCK 532457108   1,482,010 1,905 SH   DFND 0 1,905 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109   2,433,009 5,349 SH   SOLE 0 5,349 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109   413,916 910 SH   DFND 0 910 0 0
LOEWS CORP COMMON STOCK 540424108   101,777 1,300 SH   DFND 0 1,300 0 0
LOWES COMPANIES INC COMMON STOCK 548661107   4,935,340 19,375 SH   SOLE 0 19,375 0 0
LOWES COMPANIES INC COMMON STOCK 548661107   384,126 1,508 SH   DFND 0 1,508 0 0
M & T BANK CORP COMMON STOCK 55261F104   227,903 1,567 SH   SOLE 0 1,567 0 0
M & T BANK CORP COMMON STOCK 55261F104   93,807 645 SH   DFND 0 645 0 0
MGIC INVESTMENT CORP COMMON STOCK 552848103   5,321 238 SH   SOLE 0 238 0 0
MARATHON PETROLEUM CORP COMMON STOCK 56585A102   69,316 344 SH   DFND 0 344 0 0
MASTERCARD INC CLASS A COMMON STOCK 57636Q104   1,030,542 2,140 SH   SOLE 0 2,140 0 0
MASTERCARD INC CLASS A COMMON STOCK 57636Q104   26,486 55 SH   DFND 0 55 0 0
MASTERBRAND INC COMMON STOCK 57638P104   8,990 480 SH   SOLE 0 480 0 0
MCDONALDS CORP COMMON STOCK 580135101   3,943,742 13,988 SH   SOLE 0 13,988 0 0
MCDONALDS CORP COMMON STOCK 580135101   209,476 743 SH   DFND 0 743 0 0
MCKESSON CORP COMMON STOCK 58155Q103   697,892 1,300 SH   SOLE 0 1,300 0 0
MCKESSON CORP COMMON STOCK 58155Q103   300,630 560 SH   DFND 0 560 0 0
MEDPACE HOLDINGS INC COMMON STOCK 58506Q109   16,165 40 SH   SOLE 0 40 0 0
MERCK & COMPANY INC COMMON STOCK 58933Y105   12,601,534 95,503 SH   SOLE 0 95,503 0 0
MERCK & COMPANY INC COMMON STOCK 58933Y105   2,108,155 15,977 SH   DFND 0 15,977 0 0
METLIFE INC COMMON STOCK 59156R108   166,747 2,250 SH   SOLE 0 2,250 0 0
METLIFE INC COMMON STOCK 59156R108   28,532 385 SH   DFND 0 385 0 0
METTLER-TOLEDO INTL COMMON STOCK 592688105   532,516 400 SH   SOLE 0 400 0 0
METTLER-TOLEDO INTL COMMON STOCK 592688105   133,129 100 SH   DFND 0 100 0 0
MICROSOFT CORP COMMON STOCK 594918104   24,121,275 57,335 SH   SOLE 0 57,335 0 0
MICROSOFT CORP COMMON STOCK 594918104   2,630,266 6,252 SH   DFND 0 6,252 0 0
MICRON TECHNOLOGY COMMON STOCK 595112103   29,472 250 SH   SOLE 0 250 0 0
MODERNA INC COMMON STOCK 60770K107   5,328 50 SH   SOLE 0 50 0 0
MOLINA HEALTHCARE INC COMMON STOCK 60855R100   20,541 50 SH   SOLE 0 50 0 0
MONDELEZ INTL INC CL A COMMON STOCK 609207105   365,470 5,221 SH   SOLE 0 5,221 0 0
MONDELEZ INTL INC CL A COMMON STOCK 609207105   189,000 2,700 SH   DFND 0 2,700 0 0
MORGAN STANLEY COMMON STOCK 617446448   2,291,018 24,334 SH   SOLE 0 24,334 0 0
MORGAN STANLEY COMMON STOCK 617446448   35,305 375 SH   DFND 0 375 0 0
ETF CALVERT US MID-CAP CORE ETF/EQUITY 61774R403   2,314 40 SH   SOLE 0 40 0 0
MURPHY OIL CORPORATION COMMON STOCK 626717102   14,989 328 SH   SOLE 0 328 0 0
MURPHY USA INC COMMON STOCK 626755102   34,374 82 SH   SOLE 0 82 0 0
NBT BANCORP INC COMMON STOCK 628778102   436,014 11,887 SH   SOLE 0 11,887 0 0
NBT BANCORP INC COMMON STOCK 628778102   315,740 8,608 SH   DFND 0 8,608 0 0
NATIONAL FUEL GAS COMPANY COMMON STOCK 636180101   365,296 6,800 SH   SOLE 0 6,800 0 0
NATIONAL FUEL GAS COMPANY COMMON STOCK 636180101   5,372 100 SH   DFND 0 100 0 0
NATIONAL GRID PLC ADR FOREIGN EQUITIES 636274409   73,199 1,073 SH   DFND 0 1,073 0 0
NETFLIX INC COMMON STOCK 64110L106   212,565 350 SH   SOLE 0 350 0 0
NEW YORK CMNTY BANCORP INC COMMON STOCK 649445103   3,220 1,000 SH   SOLE 0 1,000 0 0
NEW YORK CMNTY BANCORP INC COMMON STOCK 649445103   563 175 SH   DFND 0 175 0 0
NEWELL RUBBERMAID INC COMMON STOCK 651229106   5,821 725 SH   SOLE 0 0 0 725
NEXSTAR MEDIA GROUP INC COMMON STOCK 65336K103   8,614 50 SH   SOLE 0 50 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101   2,286,202 35,778 SH   SOLE 0 35,778 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101   1,190,136 18,625 SH   DFND 0 18,625 0 0
NIKE INC CLASS B COMMON STOCK 654106103   1,853,751 19,725 SH   SOLE 0 19,725 0 0
NIKE INC CLASS B COMMON STOCK 654106103   43,230 460 SH   DFND 0 460 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108   2,075,895 8,145 SH   SOLE 0 8,145 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108   318,586 1,250 SH   DFND 0 1,250 0 0
NORTHROP GRUMMAN CORP COMMON STOCK 666807102   95,730 200 SH   DFND 0 200 0 0
NORWOOD FINANCIAL CORP COMMON STOCK 669549107   108,582 3,992 SH   SOLE 0 3,992 0 0
NOVARTIS AG ADR FOREIGN EQUITIES 66987V109   157,476 1,628 SH   SOLE 0 1,628 0 0
NUCOR CORP COMMON STOCK 670346105   5,800,630 29,311 SH   SOLE 0 29,311 0 0
NUCOR CORP COMMON STOCK 670346105   1,230,145 6,216 SH   DFND 0 6,216 0 0
NVIDIA CORPORATION COMMON STOCK 67066G104   4,881,859 5,403 SH   SOLE 0 5,403 0 0
NVIDIA CORPORATION COMMON STOCK 67066G104   605,377 670 SH   DFND 0 670 0 0
NUVEEN AMT FREE MUNI CR INC CLOSED END MUTUAL FUNDS 67071L106   24,300 2,000 SH   SOLE 0 2,000 0 0
OAKTREE SPECIALTY LENDING COMMON STOCK 67401P405   19,650 1,000 SH   SOLE 0 1,000 0 0
OCCIDENTAL PETE CORP star W EXP 08/03/2027 WARRANTS & RIGHTS 674599162   603 14 SH   SOLE 0 14 0 0
OLIN CORP COMMON STOCK 680665205   23,516 400 SH   DFND 0 400 0 0
OMNICOM GROUP INC COMMON STOCK 681919106   4,148,770 42,877 SH   SOLE 0 42,877 0 0
OMNICOM GROUP INC COMMON STOCK 681919106   192,552 1,990 SH   DFND 0 1,990 0 0
ONEOK INC COMMON STOCK 682680103   31,586 394 SH   SOLE 0 394 0 0
OPEN LENDING CORP COMMON STOCK 68373J104   1,252 200 SH   SOLE 0 200 0 0
ORACLE CORP COMMON STOCK 68389X105   251,220 2,000 SH   SOLE 0 2,000 0 0
ORACLE CORP COMMON STOCK 68389X105   100,488 800 SH   DFND 0 800 0 0
ORANGE SA ADR FOREIGN EQUITIES 684060106   47,080 4,000 SH   DFND 0 4,000 0 0
ORGANON & CO COMMON STOCK 68622V106   150 8 SH   DFND 0 8 0 0
OTIS WORLDWIDE CORP COMMON STOCK 68902V107   7,445 75 SH   SOLE 0 75 0 0
OTIS WORLDWIDE CORP COMMON STOCK 68902V107   32,262 325 SH   DFND 0 325 0 0
PNC FINL SVCS GROUP INC COMMON STOCK 693475105   1,902,840 11,775 SH   SOLE 0 11,775 0 0
PNC FINL SVCS GROUP INC COMMON STOCK 693475105   73,528 455 SH   DFND 0 455 0 0
PPG INDUSTRIES INC COMMON STOCK 693506107   28,980 200 SH   SOLE 0 200 0 0
PALO ALTO NETWORKS INC COMMON STOCK 697435105   482,426 1,698 SH   SOLE 0 1,698 0 0
PALO ALTO NETWORKS INC COMMON STOCK 697435105   62,505 220 SH   DFND 0 220 0 0
PAYCHEX INC COMMON STOCK 704326107   184,200 1,500 SH   SOLE 0 1,500 0 0
PAYCHEX INC COMMON STOCK 704326107   70,610 575 SH   DFND 0 575 0 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103   8,373 125 SH   SOLE 0 125 0 0
PEOPLES FINL SVCS CORP COMMON STOCK 711040105   52,507 1,218 SH   SOLE 0 1,218 0 0
PEPSICO INC COMMON STOCK 713448108   9,728,154 55,587 SH   SOLE 0 55,587 0 0
PEPSICO INC COMMON STOCK 713448108   1,000,344 5,716 SH   DFND 0 5,716 0 0
PFIZER INC COMMON STOCK 717081103   3,681,572 132,671 SH   SOLE 0 132,671 0 0
PFIZER INC COMMON STOCK 717081103   814,568 29,354 SH   DFND 0 29,354 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109   100,782 1,100 SH   SOLE 0 1,100 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109   63,126 689 SH   DFND 0 689 0 0
PHILLIPS 66 COMMON STOCK 718546104   2,618,970 16,034 SH   SOLE 0 16,034 0 0
PHILLIPS 66 COMMON STOCK 718546104   65,335 400 SH   DFND 0 400 0 0
PIMCO 15 plus YR US TIPS ETF/FIXED INCOME 72201R304   5,556,000 100,000 SH   SOLE 0 100,000 0 0
PIMCO ENHANCED SHORT MAT ESG ETF/FIXED INCOME 72201R643   7,395 75 SH   SOLE 0 75 0 0
PIMCO ENHANCED LOW DURATION ETF/FIXED INCOME 72201R718   94,860 1,000 SH   SOLE 0 1,000 0 0
PIMCO ENHANCED SHORT MATURE ACTIVE ETF ETF/FIXED INCOME 72201R833   100,540 1,000 SH   SOLE 0 1,000 0 0
PLAINS ALL AMERICAN PIPELINE COMMON STOCK 726503105   52,650 3,000 SH   DFND 0 3,000 0 0
PRINCIPAL SPECTRUM PFD SEC ETF/EQUITY 74255Y888   145,120 8,000 SH   SOLE 0 8,000 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109   8,025,785 49,466 SH   SOLE 0 49,466 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109   1,032,391 6,363 SH   DFND 0 6,363 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102   6,809 58 SH   SOLE 0 58 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102   25,241 215 SH   DFND 0 215 0 0
PUBLIC SVC ENTERPRISE GROUP COMMON STOCK 744573106   4,008,890 60,041 SH   SOLE 0 60,041 0 0
PUBLIC SVC ENTERPRISE GROUP COMMON STOCK 744573106   809,782 12,128 SH   DFND 0 12,128 0 0
PULTE GROUP INC COMMON STOCK 745867101   25,330 210 SH   DFND 0 210 0 0
QUALCOMM INC COMMON STOCK 747525103   4,717,860 27,867 SH   SOLE 0 27,867 0 0
QUALCOMM INC COMMON STOCK 747525103   497,741 2,940 SH   DFND 0 2,940 0 0
RTX CORP COMMON STOCK 75513E101   3,293,829 33,773 SH   SOLE 0 33,773 0 0
RTX CORP COMMON STOCK 75513E101   409,228 4,196 SH   DFND 0 4,196 0 0
REALTY INCOME CORP COMMON STOCK 756109104   9,736 180 SH   SOLE 0 180 0 0
REGULUS THERAPEUTICS INC COMMON STOCK 75915K309   1,980 690 SH   SOLE 0 690 0 0
REPUBLIC SERVICES INC COMMON STOCK 760759100   19,144 100 SH   SOLE 0 100 0 0
RIBBONS COMMUNICATIONS INC COMMON STOCK 762544104   4,480 1,400 SH   SOLE 0 1,400 0 0
ROCKWELL AUTOMATION INC COMMON STOCK 773903109   34,958 120 SH   DFND 0 120 0 0
ROPER INDS INC COMMON STOCK 776696106   242,839 433 SH   SOLE 0 433 0 0
ROYAL BANK OF CANADA FOREIGN EQUITIES 780087102   765,679 7,590 SH   SOLE 0 7,590 0 0
ROYAL BANK OF CANADA FOREIGN EQUITIES 780087102   130,942 1,298 SH   DFND 0 1,298 0 0
S&P GLOBAL INC COMMON STOCK 78409V104   274,415 645 SH   SOLE 0 645 0 0
S&P GLOBAL INC COMMON STOCK 78409V104   151,459 356 SH   DFND 0 356 0 0
SPDR S&P 500 ETF ETF/EQUITY 78462F103   8,885,346 16,987 SH   SOLE 0 16,987 0 0
SPDR S&P 500 ETF ETF/EQUITY 78462F103   375,562 718 SH   DFND 0 718 0 0
SPDR GOLD SHARES ETF/OTHER 78463V107   61,716 300 SH   SOLE 0 300 0 0
SPDR GOLD SHARES ETF/OTHER 78463V107   869,167 4,225 SH   DFND 0 4,225 0 0
SPDR INTERM CORP BOND ETF ETF/FIXED INCOME 78464A375   809,145 24,760 SH   SOLE 0 24,265 0 495
SPDR INTERM CORP BOND ETF ETF/FIXED INCOME 78464A375   20,751 635 SH   DFND 0 635 0 0
SPDR PORTFOLIO S&P500 GROWTH ETF/EQUITY 78464A409   527,331 7,209 SH   SOLE 0 7,209 0 0
SPDR PORTFOLIO S&P 500 VALUE ETF/EQUITY 78464A508   568,413 11,348 SH   SOLE 0 11,348 0 0
SPDR PORTFOLIO S&P 500 ETF/EQUITY 78464A854   1,138,663 18,509 SH   SOLE 0 18,334 0 175
SPDR PORTFOLIO S&P 500 ETF/EQUITY 78464A854   8,920 145 SH   DFND 0 145 0 0
SPDR BLACKSTONE/GSO SENIOR LOAN ETF ETF/FIXED INCOME 78467V608   271,820 6,455 SH   SOLE 0 6,455 0 0
SPDR S&P MIDCAP 400 ETF ETF/EQUITY 78467Y107   6,728,938 12,094 SH   SOLE 0 12,094 0 0
SPDR S&P MIDCAP 400 ETF ETF/EQUITY 78467Y107   84,013 151 SH   DFND 0 151 0 0
SPDR PORTFOLIO SMALLCAP ETF ETF/EQUITY 78468R853   27,459 638 SH   SOLE 0 638 0 0
SALESFORCE INC COMMON STOCK 79466L302   237,604 789 SH   SOLE 0 789 0 0
SALESFORCE INC COMMON STOCK 79466L302   15,058 50 SH   DFND 0 50 0 0
SLB FOREIGN EQUITIES 806857108   64,018 1,168 SH   SOLE 0 1,168 0 0
SLB FOREIGN EQUITIES 806857108   69,389 1,266 SH   DFND 0 1,266 0 0
SCHWAB US SMALL CAP ETF ETF/EQUITY 808524607   3,210,979 65,211 SH   SOLE 0 65,211 0 0
SCHWAB US SMALL CAP ETF ETF/EQUITY 808524607   291,302 5,916 SH   DFND 0 5,916 0 0
SCHWAB US TIPS ETF ETF/FIXED INCOME 808524870   161,977 3,106 SH   SOLE 0 3,106 0 0
MATERIALS SELECT SECTOR SPDR ETF/EQUITY 81369Y100   198,503 2,137 SH   SOLE 0 2,137 0 0
MATERIALS SELECT SECTOR SPDR ETF/EQUITY 81369Y100   927,506 9,985 SH   DFND 0 9,985 0 0
HEALTH CARE SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y209   547,913 3,709 SH   SOLE 0 3,709 0 0
HEALTH CARE SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y209   9,750 66 SH   DFND 0 66 0 0
CONSUMER STAPLES SECTOR SPDR ETF/EQUITY 81369Y308   219,916 2,880 SH   SOLE 0 2,880 0 0
CONSUMER STAPLES SECTOR SPDR ETF/EQUITY 81369Y308   14,889 195 SH   DFND 0 195 0 0
CONSUMER DISCRET SEL SECT SPDR ETF ETF/EQUITY 81369Y407   291,278 1,584 SH   SOLE 0 1,584 0 0
CONSUMER DISCRET SEL SECT SPDR ETF ETF/EQUITY 81369Y407   17,836 97 SH   DFND 0 97 0 0
ENERGY SELECT SECTOR SPDR ETF/EQUITY 81369Y506   2,633,946 27,902 SH   SOLE 0 27,902 0 0
ENERGY SELECT SECTOR SPDR ETF/EQUITY 81369Y506   262,904 2,785 SH   DFND 0 2,785 0 0
SPDR FINANCIAL SELECT SECTOR ETF/EQUITY 81369Y605   129,529 3,076 SH   SOLE 0 3,076 0 0
SPDR INDUSTRIALS (XLI) ETF/EQUITY 81369Y704   130,998 1,040 SH   SOLE 0 1,040 0 0
TECHNOLOGY SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y803   539,412 2,590 SH   SOLE 0 2,590 0 0
TECHNOLOGY SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y803   48,110 231 SH   DFND 0 231 0 0
SELECT SECTOR SPDR TR COMMUNICATION ETF/EQUITY 81369Y852   11,349 139 SH   SOLE 0 139 0 0
UTILITIES SELECT SECTOR SPDR ETF/EQUITY 81369Y886   216,893 3,304 SH   SOLE 0 3,304 0 0
UTILITIES SELECT SECTOR SPDR ETF/EQUITY 81369Y886   11,226 171 SH   DFND 0 171 0 0
SEMPRA ENERGY COMMON STOCK 816851109   1,461,725 20,350 SH   SOLE 0 20,350 0 0
SEMPRA ENERGY COMMON STOCK 816851109   115,645 1,610 SH   DFND 0 1,610 0 0
SIXTH ST SPECIALTY LENDING COMMON STOCK 83012A109   21,430 1,000 SH   SOLE 0 1,000 0 0
JM SMUCKER COMPANY COMMON STOCK 832696405   4,783 38 SH   DFND 0 38 0 0
SNAP ON INC COMMON STOCK 833034101   88,863 300 SH   DFND 0 300 0 0
SNAP INC COMMON STOCK 83304A106   3,444 300 SH   DFND 0 300 0 0
SOUTHERN COMPANY COMMON STOCK 842587107   32,283 450 SH   SOLE 0 450 0 0
SOUTHERN COMPANY COMMON STOCK 842587107   93,262 1,300 SH   DFND 0 1,300 0 0
SPROTT PHYSICAL GOLD TRUST ETF/OTHER 85207H104   426,267 24,654 SH   SOLE 0 24,654 0 0
STAG INDL INC COMMON STOCK 85254J102   7,686 200 SH   SOLE 0 200 0 0
STARBUCKS CORP COMMON STOCK 855244109   1,762,878 19,290 SH   SOLE 0 19,290 0 0
STARBUCKS CORP COMMON STOCK 855244109   88,645 970 SH   DFND 0 970 0 0
STATE STREET CORP COMMON STOCK 857477103   61,848 800 SH   SOLE 0 800 0 0
STRYKER CORP COMMON STOCK 863667101   2,184,368 6,104 SH   SOLE 0 6,104 0 0
STRYKER CORP COMMON STOCK 863667101   46,163 129 SH   DFND 0 129 0 0
SUBURBAN PROPANE PARTNERS LP COMMON STOCK 864482104   13,483 660 SH   SOLE 0 660 0 0
SYSCO CORP COMMON STOCK 871829107   273,170 3,365 SH   SOLE 0 3,365 0 0
TJX COMPANIES COMMON STOCK 872540109   255,070 2,515 SH   SOLE 0 2,515 0 0
TJX COMPANIES COMMON STOCK 872540109   10,446 103 SH   DFND 0 103 0 0
T MOBILE US INC COMMON STOCK 872590104   103,155 632 SH   DFND 0 632 0 0
TAKETWO INTERACTIVE SOFTWAREINC COMMON STOCK 874054109   1,187 8 SH   SOLE 0 8 0 0
TARGET CORP COMMON STOCK 87612E106   3,243,238 18,302 SH   SOLE 0 18,302 0 0
TARGET CORP COMMON STOCK 87612E106   161,610 912 SH   DFND 0 912 0 0
TELEDYNE TECHNOLOGIES INC COMMON STOCK 879360105   80,282 187 SH   DFND 0 187 0 0
TENARIS SA ADR FOREIGN EQUITIES 88031M109   39,270 1,000 SH   SOLE 0 1,000 0 0
TERADATA CORP COMMON STOCK 88076W103   4,175 108 SH   DFND 0 108 0 0
TESLA MOTORS INC COMMON STOCK 88160R101   151,002 859 SH   SOLE 0 859 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104   5,137,397 29,490 SH   SOLE 0 29,490 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104   171,594 985 SH   DFND 0 985 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102   1,940,641 3,339 SH   SOLE 0 3,339 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102   342,913 590 SH   DFND 0 590 0 0
3M COMPANY COMMON STOCK 88579Y101   13,258 125 SH   SOLE 0 125 0 0
3M COMPANY COMMON STOCK 88579Y101   129,405 1,220 SH   DFND 0 1,220 0 0
TOMPKINS FINANCIAL CORP COMMON STOCK 890110109   201,160 4,000 SH   DFND 0 4,000 0 0
TORONTO DOMINION BANK FOREIGN EQUITIES 891160509   608,509 10,078 SH   SOLE 0 10,078 0 0
TORONTO DOMINION BANK FOREIGN EQUITIES 891160509   19,623 325 SH   DFND 0 325 0 0
TOYOTA MOTOR CORP FOREIGN EQUITIES 892331307   151,008 600 SH   DFND 0 600 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109   1,742,141 7,570 SH   SOLE 0 7,570 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109   70,190 305 SH   DFND 0 305 0 0
TRUIST FINANCIAL CORP COMMON STOCK 89832Q109   3,526,936 90,505 SH   SOLE 0 90,505 0 0
TRUIST FINANCIAL CORP COMMON STOCK 89832Q109   166,787 4,280 SH   DFND 0 4,280 0 0
US BANCORP COMMON STOCK 902973304   2,037,458 45,581 SH   SOLE 0 45,581 0 0
US BANCORP COMMON STOCK 902973304   249,649 5,585 SH   DFND 0 5,585 0 0
UNDER ARMOUR INC CL A COMMON STOCK 904311107   1,107 150 SH   SOLE 0 150 0 0
UNDER ARMOUR INC CL C COMMON STOCK 904311206   1,078 151 SH   SOLE 0 151 0 0
UNILEVER PLC ADR FOREIGN EQUITIES 904767704   15,054 300 SH   SOLE 0 300 0 0
UNION PACIFIC CORP COMMON STOCK 907818108   1,768,469 7,191 SH   SOLE 0 7,191 0 0
UNION PACIFIC CORP COMMON STOCK 907818108   770,989 3,135 SH   DFND 0 3,135 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106   4,842,702 32,583 SH   SOLE 0 32,583 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106   233,789 1,573 SH   DFND 0 1,573 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102   3,595,461 7,268 SH   SOLE 0 7,268 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102   603,533 1,220 SH   DFND 0 1,220 0 0
VBI VACCINES INC COMMON STOCK 91822J202   169 283 SH   SOLE 0 283 0 0
VALE SA SPONSORED ADS FOREIGN EQUITIES 91912E105   7,314 600 SH   SOLE 0 600 0 0
VANECK VECTORS GOLD MINERS ETF ETF/INTERNATIONAL EQUITY 92189F106   632,200 20,000 SH   DFND 0 20,000 0 0
VANECK VECTORS ETF TR GREEN BD ETF ETF/FIXED INCOME 92189F171   2,372 100 SH   SOLE 0 100 0 0
VANGUARD DIVIDEND APPRECIATION ETF ETF/EQUITY 921908844   1,334,510 7,308 SH   SOLE 0 7,308 0 0
VANGUARD TOTAL INTL STOCK ETF ETF/INTERNATIONAL EQUITY 921909768   180,688 2,997 SH   SOLE 0 2,997 0 0
VANGUARD SHORT TERM BOND ETF ETF/FIXED INCOME 921937827   123,821 1,615 SH   SOLE 0 1,615 0 0
VANGUARD TOTAL BOND MRKT ETF ETF/FIXED INCOME 921937835   376,728 5,187 SH   SOLE 0 5,187 0 0
VANGUARD TOTAL BOND MRKT ETF ETF/FIXED INCOME 921937835   19,973 275 SH   DFND 0 275 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF/INTERNATIONAL EQUITY 921943858   30,096 600 SH   DFND 0 600 0 0
VANGUARD ULTRA SHORT TERM ETF/FIXED INCOME 92203C303   99,080 2,000 SH   SOLE 0 2,000 0 0
VANGUARD FINANCIALS ETF ETF/EQUITY 92204A405   811,223 7,923 SH   SOLE 0 7,923 0 0
VANGUARD FINANCIALS ETF ETF/EQUITY 92204A405   304,098 2,970 SH   DFND 0 2,970 0 0
VANGUARD INDUSTRIALS ETF ETF/EQUITY 92204A603   12,207 50 SH   SOLE 0 50 0 0
VANGUARD INDUSTRIALS ETF ETF/EQUITY 92204A603   1,074,260 4,400 SH   DFND 0 4,400 0 0
VANGUARD INFO TECH ETF ETF/EQUITY 92204A702   1,206,481 2,301 SH   SOLE 0 2,301 0 0
VANGUARD INFO TECH ETF ETF/EQUITY 92204A702   191,904 366 SH   DFND 0 366 0 0
VANGUARD UTILITIES ETF ETF/EQUITY 92204A876   9,267 65 SH   SOLE 0 65 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 922042858   1,507,037 36,080 SH   SOLE 0 36,080 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 922042858   215,028 5,148 SH   DFND 0 5,148 0 0
VANGUARD SHORT TERM CORP BOND ETF ETF/FIXED INCOME 92206C409   393,887 5,095 SH   SOLE 0 5,095 0 0
VANGUARD SHORT TERM CORP BOND ETF ETF/FIXED INCOME 92206C409   217,157 2,809 SH   DFND 0 2,809 0 0
VANGUARD INTERM-TERM GOVT BDETF ETF/FIXED INCOME 92206C706   16,975 290 SH   SOLE 0 290 0 0
VANGUARD LONG TERM CORP BONDINDEX FUND ETF ETF/FIXED INCOME 92206C813   7,884,962 100,805 SH   SOLE 0 100,775 0 30
VANGUARD LONG TERM CORP BONDINDEX FUND ETF ETF/FIXED INCOME 92206C813   9,073 116 SH   DFND 0 116 0 0
VANGUARD LONG TERM TREASURY ETF/FIXED INCOME 92206C847   111,427 1,881 SH   SOLE 0 1,841 0 40
VANGUARD LONG TERM TREASURY ETF/FIXED INCOME 92206C847   13,684 231 SH   DFND 0 231 0 0
VANGUARD S&P 500 ETF ETF/EQUITY 922908363   1,086,860 2,261 SH   SOLE 0 2,261 0 0
VANGUARD REIT ETF ETF/EQUITY 922908553   604,926 6,996 SH   SOLE 0 6,996 0 0
VANGUARD REIT ETF ETF/EQUITY 922908553   33,289 385 SH   DFND 0 385 0 0
VANGUARD SMALLCAP VALUE ETF ETF/EQUITY 922908611   191,880 1,000 SH   SOLE 0 1,000 0 0
VANGUARD GROWTH ETF ETF/EQUITY 922908736   240,940 700 SH   SOLE 0 700 0 0
VANGUARD GROWTH ETF ETF/EQUITY 922908736   56,793 165 SH   DFND 0 165 0 0
VANGUARD SMALLCAP ETF ETF/EQUITY 922908751   234,303 1,025 SH   SOLE 0 1,025 0 0
VANGUARD TOTAL STOCK MARKET ETF ETF/EQUITY 922908769   122,146 470 SH   SOLE 0 470 0 0
VANGUARD TOTAL STOCK MARKET ETF ETF/EQUITY 922908769   16,596,835 63,861 SH   DFND 0 63,861 0 0
VERALTO CORP COMMON STOCK 92338C103   975 11 SH   SOLE 0 11 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104   7,648,585 182,328 SH   SOLE 0 182,328 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104   1,029,359 24,538 SH   DFND 0 24,538 0 0
VIATRIS INC COMMON STOCK 92556V106   2,507 210 SH   SOLE 0 210 0 0
VIATRIS INC COMMON STOCK 92556V106   6,113 512 SH   DFND 0 512 0 0
VISA INC CLASS A COMMON STOCK 92826C839   2,984,884 10,696 SH   SOLE 0 10,696 0 0
VISA INC CLASS A COMMON STOCK 92826C839   467,159 1,674 SH   DFND 0 1,674 0 0
WK KELLOGG CO COMMON STOCK 92942W107   3,758 200 SH   DFND 0 200 0 0
WABTEC CORP COMMON STOCK 929740108   2,039 14 SH   SOLE 0 14 0 0
WABTEC CORP COMMON STOCK 929740108   6,264 43 SH   DFND 0 43 0 0
WAL MART STORES INC COMMON STOCK 931142103   6,106,219 101,484 SH   SOLE 0 101,484 0 0
WAL MART STORES INC COMMON STOCK 931142103   1,213,079 20,161 SH   DFND 0 20,161 0 0
WARNER BROS DISCOVERY INC COMMON STOCK 934423104   4,067 466 SH   SOLE 0 466 0 0
WARNER BROS DISCOVERY INC COMMON STOCK 934423104   10,911 1,250 SH   DFND 0 1,250 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109   665,438 3,122 SH   SOLE 0 3,122 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109   179,045 840 SH   DFND 0 840 0 0
WEBSTER FINANCIAL CORP COMMON STOCK 947890109   23,506 463 SH   DFND 0 463 0 0
WELLS FARGO & CO COMMON STOCK 949746101   28,975 500 SH   SOLE 0 500 0 0
WELLS FARGO & CO COMMON STOCK 949746101   210,068 3,625 SH   DFND 0 3,625 0 0
WESTERN ASSET EMERGING MKT ETF/EQUITY 95766A101   13,972 1,454 SH   SOLE 0 1,454 0 0
WESTERN UNION CO COMMON STOCK 959802109   13,980 1,000 SH   SOLE 0 1,000 0 0
WILLIAMS COMPANIES INC COMMON STOCK 969457100   389,700 10,000 SH   DFND 0 10,000 0 0
WISDOMTREE US HIGH DIVIDEND ETF ETF/EQUITY 97717W208   1,398,609 16,141 SH   SOLE 0 16,141 0 0
WISDOMTREE US HIGH DIVIDEND ETF ETF/EQUITY 97717W208   7,798 90 SH   DFND 0 90 0 0
WISDOMTREE FLOATING RATE TSY ETF/FIXED INCOME 97717Y527   384,262 7,641 SH   SOLE 0 7,641 0 0
WOODSIDE ENERGY GROUP LTD FOREIGN EQUITIES 980228308   1,077 54 SH   DFND 0 54 0 0
SPDR GOLD MINISHARES ETF/OTHER 98149E303   201,213 4,569 SH   SOLE 0 4,569 0 0
SPDR GOLD MINISHARES ETF/OTHER 98149E303   12,111 275 SH   DFND 0 275 0 0
ZIMVIE INC COMMON STOCK 98888T107   4,284 260 SH   DFND 0 260 0 0
ZEBRA TECHNOLOGIES CORP CL A COMMON STOCK 989207105   20,196 67 SH   DFND 0 67 0 0
ZIMMER HOLDINGS INC COMMON STOCK 98956P102   142,538 1,080 SH   SOLE 0 1,080 0 0
ZIMMER HOLDINGS INC COMMON STOCK 98956P102   232,284 1,760 SH   DFND 0 1,760 0 0