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
AMCOR PLC FOREIGN EQUITIES G0250X107   8,180 1,000 SH   SOLE   1,000 0 0
CUSHMAN & WAKEFIELD PLC FOREIGN EQUITIES G2717B108   45,451 2,855 SH   SOLE   2,855 0 0
EATON CORP PLC FOREIGN EQUITIES G29183103   24,326 65 SH   SOLE   65 0 0
EATON CORP PLC FOREIGN EQUITIES G29183103   563,246 1,505 SH   DFND   1,505 0 0
JOHNSON CTLS INTL PLC FOREIGN EQUITIES G51502105   21,990 200 SH   SOLE   200 0 0
JOHNSON CTLS INTL PLC FOREIGN EQUITIES G51502105   21,990 200 SH   DFND   200 0 0
LINDE PLC FOREIGN EQUITIES G54950103   71,250 150 SH   SOLE   150 0 0
TE CONNECTIVITY FOREIGN EQUITIES G87052109   47,198 215 SH   SOLE   215 0 0
TRANE TECHNOLOGIES PLC FOREIGN EQUITIES G8994E103   33,334 79 SH   SOLE   79 0 0
TRANE TECHNOLOGIES PLC FOREIGN EQUITIES G8994E103   33,334 79 SH   DFND   79 0 0
WILLIS TOWERS WATSON PLC LTDSHS FOREIGN EQUITIES G96629103   76,344 221 SH   SOLE   221 0 0
CHUBB LTD FOREIGN EQUITIES H1467J104   4,034,424 14,294 SH   SOLE   14,294 0 0
CHUBB LTD FOREIGN EQUITIES H1467J104   281,681 998 SH   DFND   998 0 0
CRISPR THERAPEUTICS AG FOREIGN EQUITIES H17182108   3,240 50 SH   SOLE   50 0 0
UBS GROUP AG FOREIGN EQUITIES H42097107   41,000 1,000 SH   DFND   1,000 0 0
CYBERARK SOFTWARE LTD FOREIGN EQUITIES M2682V108   41,066 85 SH   SOLE   85 0 0
ASML HOLDING NV ADR FOREIGN EQUITIES N07059210   68,734 71 SH   SOLE   71 0 0
FERRARI N V FOREIGN EQUITIES N3167Y103   32,994 68 SH   SOLE   68 0 0
NXP SEMICONDUCTORS NV FOREIGN EQUITIES N6596X109   36,664 161 SH   SOLE   161 0 0
ADMA BIOLOGICS INC COMMON STOCK 000899104   8,883 606 SH   SOLE   606 0 0
AFLAC INC COMMON STOCK 001055102   29,042 260 SH   SOLE   260 0 0
AFLAC INC COMMON STOCK 001055102   29,042 260 SH   DFND   260 0 0
AGCO CORP COMMON STOCK 001084102   10,707 100 SH   DFND   100 0 0
AT&T INC COMMON STOCK 00206R102   3,768,425 133,491 SH   SOLE   133,491 0 0
AT&T INC COMMON STOCK 00206R102   216,494 7,669 SH   DFND   7,669 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100   4,519,104 33,740 SH   SOLE   33,740 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100   608,486 4,543 SH   DFND   4,543 0 0
ABBVIE INC COMMON STOCK 00287Y109   9,053,403 39,101 SH   SOLE   39,101 0 0
ABBVIE INC COMMON STOCK 00287Y109   2,248,943 9,713 SH   DFND   9,713 0 0
ADOBE INC COMMON STOCK 00724F101   54,323 154 SH   SOLE   154 0 0
AIM IMMUNOTECH INC COMMON STOCK 00901B303   361 132 SH   SOLE   132 0 0
AIRBNB INC CL A COMMON STOCK 009066101   29,626 244 SH   SOLE   244 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106   2,428,424 8,905 SH   SOLE   8,905 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106   496,328 1,820 SH   DFND   1,820 0 0
ALIBABA GROUP HOLDINGS LMTD FOREIGN EQUITIES 01609W102   119,927 671 SH   SOLE   671 0 0
THE ALLSTATE CORPORATION COMMON STOCK 020002101   21,465 100 SH   DFND   100 0 0
ALLY FINANCIAL INC COMMON STOCK 02005N100   61,622 1,572 SH   SOLE   1,572 0 0
ALPHABET INC CLASS C COMMON STOCK 02079K107   1,791,065 7,354 SH   SOLE   7,354 0 0
ALPHABET INC CLASS C COMMON STOCK 02079K107   73,065 300 SH   DFND   300 0 0
ALPHABET INC CLASS A COMMON STOCK 02079K305   9,431,763 38,798 SH   SOLE   38,798 0 0
ALPHABET INC CLASS A COMMON STOCK 02079K305   2,902,613 11,940 SH   DFND   11,940 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103   39,636 600 SH   SOLE   600 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103   42,939 650 SH   DFND   650 0 0
AMAZON.COM INC COMMON STOCK 023135106   7,633,931 34,768 SH   SOLE   34,768 0 0
AMAZON.COM INC COMMON STOCK 023135106   1,917,939 8,735 SH   DFND   8,735 0 0
AMEREN CORPORATION COMMON STOCK 023608102   260,741 2,498 SH   SOLE   2,498 0 0
AVANTIS US SMALL CAP ETF ETF/EQUITY 025072323   210,508 3,677 SH   SOLE   3,677 0 0
AVANTIS EMERGING MKTS EQ ETF/INTERNATIONAL EQUITY 025072604   224,041 2,983 SH   SOLE   2,945 0 38
AVANTIS EMERGING MKTS EQ ETF/INTERNATIONAL EQUITY 025072604   8,862 118 SH   DFND   118 0 0
AVANTIS INTERNATIONAL ETF ETF/INTERNATIONAL EQUITY 025072802   7,538,958 84,679 SH   SOLE   84,649 0 30
AVANTIS INTERNATIONAL ETF ETF/INTERNATIONAL EQUITY 025072802   34,186 384 SH   DFND   384 0 0
AVANTIS US SMALLCAP VALUE ETF/EQUITY 025072877   5,678,272 57,051 SH   SOLE   57,026 0 25
AVANTIS US SMALLCAP VALUE ETF/EQUITY 025072877   28,166 283 SH   DFND   283 0 0
AMERICAN ELECTRIC POWER CO COMMON STOCK 025537101   4,046,928 35,973 SH   SOLE   35,973 0 0
AMERICAN ELECTRIC POWER CO COMMON STOCK 025537101   443,810 3,945 SH   DFND   3,945 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109   1,763,043 5,308 SH   SOLE   5,308 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109   40,521 122 SH   DFND   122 0 0
AMERICAN INTERNATIONAL GROUP COMMON STOCK 026874784   58,747 748 SH   SOLE   748 0 0
AMERICAN TOWER CORP COMMON STOCK 03027X100   587,536 3,055 SH   SOLE   3,055 0 0
AMERICAN TOWER CORP COMMON STOCK 03027X100   192,320 1,000 SH   DFND   1,000 0 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103   139,190 1,000 SH   SOLE   1,000 0 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103   139,190 1,000 SH   DFND   1,000 0 0
AMETEK INC COMMON STOCK 031100100   526,400 2,800 SH   SOLE   2,800 0 0
AMETEK INC COMMON STOCK 031100100   307,380 1,635 SH   DFND   1,635 0 0
AMGEN INC COMMON STOCK 031162100   3,744,311 13,269 SH   SOLE   13,269 0 0
AMGEN INC COMMON STOCK 031162100   846,847 3,001 SH   DFND   3,001 0 0
ANTERO RESOURCES CORP COMMON STOCK 03674X106   13,151 392 SH   SOLE   392 0 0
ELEVANCE HEALTH INC COMMON STOCK 036752103   2,778,663 8,600 SH   SOLE   8,600 0 0
ELEVANCE HEALTH INC COMMON STOCK 036752103   95,312 295 SH   DFND   295 0 0
APA CORPORATION COMMON STOCK 03743Q108   42,593 1,755 SH   SOLE   1,755 0 0
APOLLO COMM REAL ESTATE COMMON STOCK 03762U105   20,260 2,000 SH   DFND   2,000 0 0
APPLE INC COMMON STOCK 037833100   95,906,584 376,651 SH   SOLE   376,651 0 0
APPLE INC COMMON STOCK 037833100   1,040,158 4,085 SH   DFND   4,085 0 0
ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102   1,722,516 28,834 SH   SOLE   28,834 0 0
ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102   96,837 1,621 SH   DFND   1,621 0 0
ARES CAPITAL CORPORATION COMMON STOCK 04010L103   20,400 1,000 SH   SOLE   1,000 0 0
ARTISAN PARTNERS ASSET MANAGEMENT INC COMMON STOCK 04316A108   33,114 763 SH   SOLE   763 0 0
ASTRAZENECA PLC ADR FOREIGN EQUITIES 046353108   73,037 952 SH   SOLE   952 0 0
AUTODESK INC COMMON STOCK 052769106   90,850 286 SH   SOLE   286 0 0
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103   2,803,497 9,552 SH   SOLE   9,552 0 0
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103   241,843 824 SH   DFND   824 0 0
BCE INC FOREIGN EQUITIES 05534B760   7,949 340 SH   DFND   340 0 0
BP PLC ADR FOREIGN EQUITIES 055622104   17,225 500 SH   DFND   500 0 0
BANK OF AMERICA CORPORATION COMMON STOCK 060505104   959,568 18,600 SH   SOLE   18,600 0 0
BANK OF AMERICA CORPORATION COMMON STOCK 060505104   121,236 2,350 SH   DFND   2,350 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100   47,724 438 SH   SOLE   438 0 0
BARRICK MINING CORPORATION FOREIGN EQUITIES 06849F108   6,554 200 SH   SOLE   200 0 0
BECTON DICKINSON AND COMPANY COMMON STOCK 075887109   926,850 4,952 SH   SOLE   4,952 0 0
BECTON DICKINSON AND COMPANY COMMON STOCK 075887109   15,909 85 SH   DFND   85 0 0
BERKSHIRE HATHAWAY INC B COMMON STOCK 084670702   387,101 770 SH   SOLE   770 0 0
BHP GROUP LTD ADR FOREIGN EQUITIES 088606108   8,362 150 SH   DFND   150 0 0
BLACKBERRY LTD NPV FOREIGN EQUITIES 09228F103   405 83 SH   DFND   83 0 0
BLACKROCK INC COMMON STOCK 09290D101   1,290,606 1,107 SH   SOLE   1,107 0 0
BLACKROCK INC COMMON STOCK 09290D101   757,809 650 SH   DFND   650 0 0
BNY MELLON GLOBAL INFRASTRUCTURE ETF ETF/EQUITY 09661T826   3,008,068 77,269 SH   SOLE   77,229 0 40
BNY MELLON GLOBAL INFRASTRUCTURE ETF ETF/EQUITY 09661T826   16,700 429 SH   DFND   429 0 0
BOEING COMPANY COMMON STOCK 097023105   262,017 1,214 SH   SOLE   1,214 0 0
BOEING COMPANY COMMON STOCK 097023105   43,166 200 SH   DFND   200 0 0
BRISTOL MYERS SQUIBB COMPANY COMMON STOCK 110122108   5,385,831 119,448 SH   SOLE   119,448 0 0
BRISTOL MYERS SQUIBB COMPANY COMMON STOCK 110122108   4,440,818 98,488 SH   DFND   98,488 0 0
BROADCOM INC COMMON STOCK 11135F101   8,194,684 24,840 SH   SOLE   24,840 0 0
BROADCOM INC COMMON STOCK 11135F101   4,579,669 13,882 SH   DFND   13,882 0 0
BROOKFIELD CORP NPV FOREIGN EQUITIES 11271J107   104,790 1,528 SH   DFND   1,528 0 0
BROOKFIELD ASSET MGMT LTD FOREIGN EQUITIES 113004105   21,747 382 SH   DFND   382 0 0
BRUKER CORPORATION COMMON STOCK 116794108   18,318 564 SH   SOLE   564 0 0
CBRE GROUP INC COMMON STOCK 12504L109   53,727 341 SH   SOLE   341 0 0
CCC INTELLIGENT SOLUTIONS COMMON STOCK 12510Q100   16,161 1,774 SH   SOLE   1,774 0 0
CME GROUP INC CL A COMMON STOCK 12572Q105   9,997 37 SH   SOLE   37 0 0
CME GROUP INC CL A COMMON STOCK 12572Q105   10,267 38 SH   DFND   38 0 0
CSW INDUSTRIALS INC COMMON STOCK 126402106   6,797 28 SH   SOLE   28 0 0
CSX CORP COMMON STOCK 126408103   738,400 20,800 SH   SOLE   20,800 0 0
CSX CORP COMMON STOCK 126408103   1,237,530 34,860 SH   DFND   34,860 0 0
CVS HEALTH CORP COMMON STOCK 126650100   1,093,224 14,503 SH   SOLE   14,503 0 0
CVS HEALTH CORP COMMON STOCK 126650100   74,248 985 SH   DFND   985 0 0
CADENCE BANK COMMON STOCK 12740C103   34,949 931 SH   SOLE   931 0 0
CAMECO CORP FOREIGN EQUITIES 13321L108   80,924 965 SH   SOLE   965 0 0
PRINT PDF HELP CANADIAN PAC FOREIGN EQUITIES 13646K108   40,373 542 SH   SOLE   542 0 0
CAPITAL ONE FINANCIAL COMMON STOCK 14040H105   68,663 323 SH   SOLE   323 0 0
CARLYLE GROUP INC COMMON STOCK 14316J108   48,404 772 SH   SOLE   772 0 0
CARRIER GLOBAL CORPORATION COMMON STOCK 14448C104   85,132 1,426 SH   SOLE   1,426 0 0
CARRIER GLOBAL CORPORATION COMMON STOCK 14448C104   44,775 750 SH   DFND   750 0 0
CATERPILLAR INC COMMON STOCK 149123101   6,761,533 14,171 SH   SOLE   14,171 0 0
CATERPILLAR INC COMMON STOCK 149123101   431,811 905 SH   DFND   905 0 0
CEL-SCI CORP COMMON STOCK 150837706   147 16 SH   SOLE   16 0 0
CHARTER COMMUNICATIONS INC NCL A COMMON STOCK 16119P108   12,104 44 SH   SOLE   44 0 0
CHEVRON CORP COMMON STOCK 166764100   4,477,906 28,836 SH   SOLE   28,836 0 0
CHEVRON CORP COMMON STOCK 166764100   754,862 4,861 SH   DFND   4,861 0 0
CHIPOTLE MEXICAN GRILL COMMON STOCK 169656105   1,120,538 28,600 SH   SOLE   27,600 0 1,000
CHIPOTLE MEXICAN GRILL COMMON STOCK 169656105   39,571 1,010 SH   DFND   1,010 0 0
CHURCH & DWIGHT CO INC COMMON STOCK 171340102   175,260 2,000 SH   SOLE   2,000 0 0
CIENA CORP COMMON STOCK 171779309   24,909 171 SH   SOLE   171 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102   9,063,976 132,476 SH   SOLE   132,476 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102   1,834,611 26,814 SH   DFND   26,814 0 0
CITIGROUP INC COMMON STOCK 172967424   101,094 996 SH   SOLE   996 0 0
CLEAN HARBORS INC COMMON STOCK 184496107   24,150 104 SH   SOLE   104 0 0
COCA COLA CONSOLIDATED INC COMMON STOCK 191098102   20,620 176 SH   SOLE   176 0 0
COCA COLA COMPANY COMMON STOCK 191216100   5,627,495 84,867 SH   SOLE   84,867 0 0
COCA COLA COMPANY COMMON STOCK 191216100   433,598 6,539 SH   DFND   6,539 0 0
COHERENT CORP COMMON STOCK 19247G107   26,822 249 SH   SOLE   249 0 0
COHERENT CORP COMMON STOCK 19247G107   21,544 200 SH   DFND   200 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103   1,231,076 15,400 SH   SOLE   15,400 0 0
COMCAST CORP CLASS A COMMON STOCK 20030N101   465,460 14,819 SH   SOLE   14,819 0 0
COMCAST CORP CLASS A COMMON STOCK 20030N101   7,664 244 SH   DFND   244 0 0
COMERICA INC COMMON STOCK 200340107   36,315 530 SH   SOLE   530 0 0
COMMERCIAL METALS CO COMMON STOCK 201723103   16,207 283 SH   SOLE   283 0 0
COMMUNITY FINANCIAL SYS INC COMMON STOCK 203607106   311,144 5,306 SH   SOLE   5,306 0 0
COMMUNITY FINANCIAL SYS INC COMMON STOCK 203607106   6,641,684 113,262 SH   DFND   113,262 0 0
CONAGRA FOODS INC COMMON STOCK 205887102   1,580,928 86,390 SH   SOLE   86,390 0 0
CONAGRA FOODS INC COMMON STOCK 205887102   64,965 3,550 SH   DFND   3,550 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104   1,022,318 10,808 SH   SOLE   10,808 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104   19,485 206 SH   DFND   206 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104   261,352 2,600 SH   DFND   2,600 0 0
CONSTELLATION BRANDS INC COMMON STOCK 21036P108   134,670 1,000 SH   SOLE   1,000 0 0
CONSTELLATION ENERGY CORP COMMON STOCK 21037T109   92,797 282 SH   DFND   282 0 0
COREBRIDGE FINANCIAL INC COMMON STOCK 21871X109   25,599 799 SH   SOLE   799 0 0
CORNING INC COMMON STOCK 219350105   7,065,025 86,128 SH   SOLE   86,128 0 0
CORNING INC COMMON STOCK 219350105   310,892 3,790 SH   DFND   3,790 0 0
CORTEVA INC COMMON STOCK 22052L104   58,837 870 SH   SOLE   870 0 0
CORTEVA INC COMMON STOCK 22052L104   5,072 75 SH   DFND   75 0 0
COUPANG INC CL A FOREIGN EQUITIES 22266T109   6,440 200 SH   DFND   200 0 0
CROCS INC COMMON STOCK 227046109   45,952 550 SH   SOLE   550 0 0
CROSSAMERICA PTN LP UT LTD COMMON STOCK 22758A105   10,510 500 SH   SOLE   500 0 0
CULLEN FROST BANKERS INC COMMON STOCK 229899109   34,988 276 SH   SOLE   276 0 0
CUMMINS INC COMMON STOCK 231021106   3,649,606 8,641 SH   SOLE   8,641 0 0
CUMMINS INC COMMON STOCK 231021106   946,086 2,240 SH   DFND   2,240 0 0
DANAHER CORP COMMON STOCK 235851102   86,243 435 SH   SOLE   435 0 0
DEERE & COMPANY COMMON STOCK 244199105   1,730,688 3,785 SH   SOLE   3,785 0 0
DEERE & COMPANY COMMON STOCK 244199105   213,537 467 SH   DFND   467 0 0
DELTA AIR LINES INC COMMON STOCK 247361702   59,984 1,057 SH   SOLE   1,057 0 0
DIGI INTL INC COMMON STOCK 253798102   14,580 400 SH   DFND   400 0 0
TRUMP MEDIA & TECH GROUP COMMON STOCK 25400Q105   6,974 425 SH   SOLE   425 0 0
WALT DISNEY CO COMMON STOCK 254687106   2,597,069 22,682 SH   SOLE   22,682 0 0
WALT DISNEY CO COMMON STOCK 254687106   106,713 932 SH   DFND   932 0 0
DOLLAR GENERAL CORP COMMON STOCK 256677105   4,134 40 SH   SOLE   40 0 0
DOLLAR GENERAL CORP COMMON STOCK 256677105   24,804 240 SH   DFND   240 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109   12,234 200 SH   SOLE   200 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109   9,175 150 SH   DFND   150 0 0
DORCHESTER MINERALS LP COMMON STOCK 25820R105   1,294,257 50,010 SH   SOLE   50,010 0 0
DOW INC COMMON STOCK 260557103   842,484 36,743 SH   SOLE   36,743 0 0
DOW INC COMMON STOCK 260557103   28,271 1,233 SH   DFND   1,233 0 0
DRAFTKINGS INC CL A COMMON STOCK 26142V105   7,478 200 SH   SOLE   200 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102   2,508,515 32,202 SH   SOLE   32,202 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102   135,621 1,741 SH   DFND   1,741 0 0
EOG RESOURCES INC COMMON STOCK 26875P101   1,847,276 16,476 SH   SOLE   16,476 0 0
EOG RESOURCES INC COMMON STOCK 26875P101   92,499 825 SH   DFND   825 0 0
EQT CORPORATION COMMON STOCK 26884L109   9,525 175 SH   DFND   175 0 0
EAGLE MATERIALS INC COMMON STOCK 26969P108   23,770 102 SH   SOLE   102 0 0
EASTMAN CHEMICAL CO COMMON STOCK 277432100   19,920 316 SH   SOLE   316 0 0
ECOLAB INC COMMON STOCK 278865100   109,539 400 SH   SOLE   400 0 0
EDISON INTL COMMON STOCK 281020107   159,011 2,877 SH   DFND   2,877 0 0
ELEMENT SOLUTIONS INC COMMON STOCK 28618M106   32,607 1,296 SH   SOLE   1,296 0 0
EMERSON ELECTRIC CO COMMON STOCK 291011104   6,437,090 49,071 SH   SOLE   49,071 0 0
EMERSON ELECTRIC CO COMMON STOCK 291011104   781,566 5,958 SH   DFND   5,958 0 0
ENBRIDGE INC FOREIGN EQUITIES 29250N105   15,135 300 SH   SOLE   300 0 0
ENBRIDGE INC FOREIGN EQUITIES 29250N105   52,922 1,049 SH   DFND   1,049 0 0
ENERGY TRANSFER EQUITY LP COMMON STOCK 29273V100   8,575 500 SH   SOLE   500 0 0
ENERGY TRANSFER EQUITY LP COMMON STOCK 29273V100   46,305 2,700 SH   DFND   2,700 0 0
TCW AAA CLO ETF ETF/FIXED INCOME 29287L858   302,760 6,000 SH   SOLE   6,000 0 0
ENTERPRISE PRODS PARTNERS LP COMMON STOCK 293792107   34,334 1,098 SH   SOLE   1,098 0 0
EQUIFAX INC COMMON STOCK 294429105   640,017 2,495 SH   SOLE   2,495 0 0
EQUIFAX INC COMMON STOCK 294429105   256,520 1,000 SH   DFND   1,000 0 0
ESSENTIAL UTILITIES INC COMMON STOCK 29670G102   966,030 24,218 SH   SOLE   24,218 0 0
ESSENTIAL UTILITIES INC COMMON STOCK 29670G102   69,806 1,750 SH   DFND   1,750 0 0
EXELON CORP COMMON STOCK 30161N101   157,500 3,500 SH   SOLE   3,500 0 0
EXELON CORP COMMON STOCK 30161N101   101,700 2,260 SH   DFND   2,260 0 0
EXPEDITORS INTL WASH INC COMMON STOCK 302130109   34,447 281 SH   SOLE   281 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102   5,520,552 48,963 SH   SOLE   48,963 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102   989,151 8,773 SH   DFND   8,773 0 0
META PLATFORMS INC COMMON STOCK 30303M102   290,079 395 SH   SOLE   395 0 0
META PLATFORMS INC COMMON STOCK 30303M102   205,626 280 SH   DFND   280 0 0
FACTSET RESEARCH SYSTEMS INC COMMON STOCK 303075105   21,199 74 SH   SOLE   74 0 0
FIDELITY COVINGTON TRUST PFD SECS INCOME ETF/OTHER 316092261   22,060 1,000 SH   SOLE   1,000 0 0
FIDELITY NATL INFORMATION SV COMMON STOCK 31620M106   65,940 1,000 SH   SOLE   1,000 0 0
FIDELITY NATL INFORMATION SV COMMON STOCK 31620M106   65,940 1,000 SH   DFND   1,000 0 0
FIFTH THIRD BANCORP COMMON STOCK 316773100   29,173 655 SH   DFND   655 0 0
FINANCIAL INSTITUTIONS INC COMMON STOCK 317585404   6,800 250 SH   SOLE   250 0 0
FIRST CITIZENS BANCSHARES COMMON STOCK 31946M103   76,932 43 SH   SOLE   43 0 0
FIRST CITIZENS BANCSHARES COMMON STOCK 31946M103   21,469 12 SH   DFND   12 0 0
FIRST SOLAR, INC. COMMON STOCK 336433107   1,102,650 5,000 SH   DFND   5,000 0 0
FIRST TR EXCHNG TRADED FD VIFT ENERGY INCOME ETF/FIXED INCOME 33740F276   1,981,000 100,000 SH   SOLE   100,000 0 0
FIRSTCASH HOLDINGS INC COMMON STOCK 33768G107   31,525 199 SH   SOLE   199 0 0
FISERV INC COMMON STOCK 337738108   1,512,174 11,729 SH   SOLE   11,429 0 300
FISERV INC COMMON STOCK 337738108   428,043 3,320 SH   DFND   3,320 0 0
FLEXSHARES GLOBAL UPSTREAM NATURAL RESOURCES ETF/INTERNATIONAL EQUITY 33939L407   108,767 2,485 SH   SOLE   2,485 0 0
FORD MOTOR COMPANY COMMON STOCK 345370860   32,292 2,700 SH   SOLE   2,700 0 0
FORD MOTOR COMPANY COMMON STOCK 345370860   39,468 3,300 SH   DFND   3,300 0 0
FORTUNE BRANDS HOME & SEC COMMON STOCK 34964C106   58,877 1,103 SH   SOLE   1,103 0 0
FRANCO NEVADA CORP FOREIGN EQUITIES 351858105   29,424 132 SH   DFND   132 0 0
FRANKLIN FTSE CANADA ETF/INTERNATIONAL EQUITY 35473P827   4,268,911 94,029 SH   SOLE   93,959 0 70
FRANKLIN FTSE CANADA ETF/INTERNATIONAL EQUITY 35473P827   39,271 865 SH   DFND   865 0 0
FREEPORT MCMORAN INC COMMON STOCK 35671D857   1,697,387 43,279 SH   SOLE   42,779 0 500
FREEPORT MCMORAN INC COMMON STOCK 35671D857   38,239 975 SH   DFND   975 0 0
GATX CORP COMMON STOCK 361448103   26,569 152 SH   SOLE   152 0 0
GABELLI MULTIMEDIA TR INC CLOSED END MUTUAL FUNDS 36239Q109   1,282 299 SH   DFND   299 0 0
GABELLI EQUITY TR INC CLOSED END MUTUAL FUNDS 362397101   6,090 1,000 SH   DFND   1,000 0 0
GABELLI UTILITY TRUST CLOSED END MUTUAL FUNDS 36240A101   2,003 330 SH   DFND   330 0 0
GABELLI DIVIDEND & INCOME CLOSED END MUTUAL FUNDS 36242H104   27,120 1,000 SH   SOLE   1,000 0 0
GABELLI HLTHCARE & WELLNESS CLOSED END MUTUAL FUNDS 36246K103   9,070 1,000 SH   SOLE   1,000 0 0
GXO LOGISTICS INC COMMON STOCK 36262G101   22,685 429 SH   SOLE   429 0 0
GE HEALTHCARE TECH COMMON STOCK 36266G107   66,987 892 SH   SOLE   892 0 0
GE HEALTHCARE TECH COMMON STOCK 36266G107   31,240 416 SH   DFND   416 0 0
GAP INC COMMON STOCK 364760108   14,966 700 SH   SOLE   700 0 0
GE VERNOVA INC COMMON STOCK 36828A101   179,545 292 SH   SOLE   292 0 0
GE VERNOVA INC COMMON STOCK 36828A101   207,830 338 SH   DFND   338 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108   1,689,996 4,956 SH   SOLE   4,956 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108   47,740 140 SH   DFND   140 0 0
GE AEROSPACE COMMON STOCK 369604301   353,762 1,176 SH   SOLE   1,176 0 0
GE AEROSPACE COMMON STOCK 369604301   408,212 1,357 SH   DFND   1,357 0 0
GENERAL MILLS INC COMMON STOCK 370334104   831,052 16,486 SH   SOLE   16,486 0 0
GENERAL MILLS INC COMMON STOCK 370334104   67,548 1,340 SH   DFND   1,340 0 0
GENERAL MOTORS CO COMMON STOCK 37045V100   76,761 1,259 SH   SOLE   1,259 0 0
GENERAL MOTORS CO COMMON STOCK 37045V100   12,194 200 SH   DFND   200 0 0
GENMAB A/S SPONSORED ADS FOREIGN EQUITIES 372303206   46,695 1,523 SH   SOLE   1,523 0 0
GENUINE PARTS CO COMMON STOCK 372460105   27,442 198 SH   SOLE   198 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103   222,000 2,000 SH   DFND   2,000 0 0
GILDAN ACTIVEWEAR INC FOREIGN EQUITIES 375916103   17,221 298 SH   SOLE   298 0 0
GLOBAL PMTS INC COMMON STOCK 37940X102   48,103 579 SH   SOLE   579 0 0
GLOBAL X MLP ETF ETF/EQUITY 37954Y343   26,625 550 SH   SOLE   550 0 0
GLOBAL X 1-3 MNTH T-BILL ETF ETF/OTHER 37960A438   2,709 27 SH   SOLE   27 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104   910,190 1,143 SH   SOLE   1,143 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104   441,968 555 SH   DFND   555 0 0
GOLDMAN SACHS JUST US LARGE CAP EQUITY ETF ETF/EQUITY 381430396   9,847 105 SH   SOLE   105 0 0
GUIDEWARE SOFTWARE INC COMMON STOCK 40171V100   5,746 25 SH   SOLE   25 0 0
HF SINCLAIR CORP COMMON STOCK 403949100   11,514 220 SH   SOLE   220 0 0
HDFC BANK LTD FOREIGN EQUITIES 40415F101   67,958 1,990 SH   SOLE   1,990 0 0
HANOVER INS GROUP INC COMMON STOCK 410867105   26,699 147 SH   SOLE   147 0 0
HARLEY DAVIDSON INC COMMON STOCK 412822108   5,578 200 SH   SOLE   200 0 0
HAWKINS INC COMMON STOCK 420261109   21,012 115 SH   SOLE   115 0 0
HERC HOLDINGS INC COMMON STOCK 42704L104   16,799 144 SH   SOLE   144 0 0
HERCULES CAPITAL INC COMMON STOCK 427096508   11,812 625 SH   SOLE   625 0 0
HEXCEL CORP COMMON STOCK 428291108   23,826 380 SH   SOLE   380 0 0
HOME DEPOT INC COMMON STOCK 437076102   3,529,561 8,711 SH   SOLE   8,711 0 0
HOME DEPOT INC COMMON STOCK 437076102   49,026 121 SH   DFND   121 0 0
HONEYWELL INTL INC COMMON STOCK 438516106   2,954,353 14,035 SH   SOLE   14,035 0 0
HONEYWELL INTL INC COMMON STOCK 438516106   36,837 175 SH   DFND   175 0 0
HUMANA INC COMMON STOCK 444859102   11,186 43 SH   DFND   43 0 0
HUNTINGTON INGALLS INDS INC COMMON STOCK 446413106   34,835 121 SH   SOLE   121 0 0
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109   3,906,697 14,982 SH   SOLE   14,982 0 0
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109   539,773 2,070 SH   DFND   2,070 0 0
ILLUMINA INC COMMON STOCK 452327109   17,949 189 SH   SOLE   189 0 0
INFOSYS LTD SPONSORED ADR FOREIGN EQUITIES 456788108   41,521 2,552 SH   SOLE   2,552 0 0
INFUSYSTEMS HOLDINGS INC COMMON STOCK 45685K102   10,360 1,000 SH   SOLE   1,000 0 0
INSTALLED BLDG PRODS INC COMMON STOCK 45780R101   11,099 45 SH   SOLE   45 0 0
INTEL CORP COMMON STOCK 458140100   203,923 6,080 SH   SOLE   6,080 0 0
INTEL CORP COMMON STOCK 458140100   15,428 460 SH   DFND   460 0 0
INTERCONTINENTALEXCHANGE GRP COMMON STOCK 45866F104   69,413 412 SH   SOLE   412 0 0
INTL BUSINESS MACHINES CORP COMMON STOCK 459200101   18,291,143 64,828 SH   SOLE   64,828 0 0
INTL BUSINESS MACHINES CORP COMMON STOCK 459200101   10,756,119 38,122 SH   DFND   38,122 0 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103   18,560 400 SH   SOLE   400 0 0
INVESCO QQQ TRUST ETF/EQUITY 46090E103   1,182,105 1,969 SH   SOLE   1,969 0 0
INVESCO QQQ TRUST ETF/EQUITY 46090E103   166,296 277 SH   DFND   277 0 0
INTUITIVE SURGICAL INC COMMON STOCK 46120E602   38,908 87 SH   SOLE   87 0 0
INVESCO MUNICIPAL TRUST CLOSED END MUTUAL FUNDS 46131J103   38,600 4,000 SH   SOLE   4,000 0 0
INVESCO AEROSPACE & DEFENSE ETF ETF/EQUITY 46137V100   746,160 4,800 SH   DFND   4,800 0 0
INVESCO WILDERHILL CLEAN ENERGY ETF ETF/EQUITY 46137V134   9,328 323 SH   DFND   323 0 0
INVESCO VARIABLE RATE PFD ETF/EQUITY 46138G870   24,700 1,000 SH   SOLE   1,000 0 0
INVESCO BULLETSHS CORP ETF ETF/FIXED INCOME 46138J577   7,144 380 SH   SOLE   380 0 0
INVESCO BULLETSHARES 2028 CORP BOND ETF/FIXED INCOME 46138J643   37,768 1,837 SH   SOLE   1,837 0 0
INVESCO BULLETSHARES 2033 CORP BOND ETF ETF/FIXED INCOME 46139W825   57,941 2,700 SH   SOLE   2,700 0 0
IQVIA HLDGS INC COMMON STOCK 46266C105   61,350 323 SH   SOLE   323 0 0
ISHARES SILVER TRUST ETF/OTHER 46428Q109   31,770 750 SH   SOLE   750 0 0
ISHARES SILVER TRUST ETF/OTHER 46428Q109   57,609 1,360 SH   DFND   1,360 0 0
ISHARES GOLD TRUST ETF/OTHER 464285204   889,098 12,218 SH   SOLE   12,063 0 155
ISHARES GOLD TRUST ETF/OTHER 464285204   80,047 1,100 SH   DFND   1,100 0 0
ISHARES MSCI CANADA ETF ETF/INTERNATIONAL EQUITY 464286509   638,052 12,625 SH   SOLE   12,625 0 0
ISHARES MSCI CANADA ETF ETF/INTERNATIONAL EQUITY 464286509   96,981 1,919 SH   DFND   1,919 0 0
ISHARES MSCI GLOBAL MIN ETF ETF/OTHER 464286525   11,992 100 SH   DFND   100 0 0
ISHARES MSCI EUROZONE ETF ETF/INTERNATIONAL EQUITY 464286608   1,626,210 26,259 SH   SOLE   26,239 0 20
ISHARES MSCI EUROZONE ETF ETF/INTERNATIONAL EQUITY 464286608   11,457 185 SH   DFND   185 0 0
ISHARES CORE S&P 500 ETF ETF/EQUITY 464287200   31,361,568 46,858 SH   SOLE   46,858 0 0
ISHARES CORE S&P 500 ETF ETF/EQUITY 464287200   187,397 280 SH   DFND   280 0 0
ISHARES S&P 500 GROWTH ETF ETF/EQUITY 464287309   768,382 6,365 SH   SOLE   6,365 0 0
ISHARES GLOBAL HEALTHCARE ETF/EQUITY 464287325   9,305 105 SH   SOLE   105 0 0
ISHARES GLOBAL HEALTHCARE ETF/EQUITY 464287325   8,862 100 SH   DFND   100 0 0
ISHARES S&P 500 VALUE ETF ETF/EQUITY 464287408   762,847 3,694 SH   SOLE   3,694 0 0
ISHARES 7-10 YEAR TSY BOND ETF/FIXED INCOME 464287440   6,269 65 SH   SOLE   65 0 0
ISHARES 1-3 YR TREASURY BOND ETF/FIXED INCOME 464287457   2,278,858 27,470 SH   SOLE   27,470 0 0
ISHARES 1-3 YR TREASURY BOND ETF/FIXED INCOME 464287457   147,333 1,776 SH   DFND   1,776 0 0
ISHARES MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 464287465   2,538,532 27,188 SH   SOLE   27,188 0 0
ISHARES MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 464287465   163,303 1,749 SH   DFND   1,749 0 0
ISHARES RUSSELL MIDCAP VALUE ETF/EQUITY 464287473   4,507,406 32,272 SH   SOLE   32,272 0 0
ISHARES RUSSELL MIDCAP VALUE ETF/EQUITY 464287473   122,210 875 SH   DFND   875 0 0
ISHARES CORE S&P MIDCAP ETF ETF/EQUITY 464287507   10,465,914 160,373 SH   SOLE   160,288 0 85
ISHARES CORE S&P MIDCAP ETF ETF/EQUITY 464287507   221,229 3,390 SH   DFND   3,390 0 0
ISHARES RUSSELL 1000 VALUE ETF/EQUITY 464287598   5,294,523 26,006 SH   SOLE   25,881 0 125
ISHARES RUSSELL 1000 VALUE ETF/EQUITY 464287598   217,431 1,068 SH   DFND   1,068 0 0
ISHARES S&P MIDCAP 400 GROWTH ETF ETF/EQUITY 464287606   372,053 3,880 SH   SOLE   3,880 0 0
ISHARES S&P MIDCAP 400 GROWTH ETF ETF/EQUITY 464287606   15,821 165 SH   DFND   165 0 0
ISHARES RUSSELL 1000 GROWTH ETF ETF/EQUITY 464287614   9,798,915 20,920 SH   SOLE   20,875 0 45
ISHARES RUSSELL 1000 GROWTH ETF ETF/EQUITY 464287614   245,441 524 SH   DFND   524 0 0
ISHARES RUSSELL 2000 VALUE ETF/EQUITY 464287630   67,895 384 SH   SOLE   384 0 0
ISHARES RUSSELL 2000 ETF ETF/EQUITY 464287655   1,365,121 5,642 SH   SOLE   5,642 0 0
ISHARES RUSSELL 2000 ETF ETF/EQUITY 464287655   98,475 407 SH   DFND   407 0 0
ISHARES CORE S&P SMALLCAP ETF ETF/EQUITY 464287804   13,546,472 113,999 SH   SOLE   113,970 0 29
ISHARES CORE S&P SMALLCAP ETF ETF/EQUITY 464287804   175,985 1,481 SH   DFND   1,481 0 0
ISHARES TR INDEX S&P SMLCP GROW ETF/EQUITY 464287887   22,640 160 SH   SOLE   160 0 0
ISHARES GLOBAL CLEAN ENERGY ETF/INTERNATIONAL EQUITY 464288224   30,960 2,000 SH   SOLE   2,000 0 0
ISHARES GLOBAL CLEAN ENERGY ETF/INTERNATIONAL EQUITY 464288224   9,288 600 SH   DFND   600 0 0
ISHARES MSCI ACWI EX US ETF ETF/INTERNATIONAL EQUITY 464288240   1,763,953 27,134 SH   SOLE   27,134 0 0
ISHARES MSCI ACWI EX US ETF ETF/INTERNATIONAL EQUITY 464288240   296,632 4,563 SH   DFND   4,563 0 0
ISHARES MSCI ACWI ETF ETF/EQUITY 464288257   276,480 2,000 SH   SOLE   2,000 0 0
ISHARES IBOXX $ HIGH YIELD CORP BOND ETF ETF/FIXED INCOME 464288513   19,240 237 SH   DFND   237 0 0
ISHARES TR BARCLYS MBS BD ETF/FIXED INCOME 464288588   2,079,587 21,856 SH   SOLE   21,466 0 390
ISHARES TR BARCLYS MBS BD ETF/FIXED INCOME 464288588   42,056 442 SH   DFND   442 0 0
ISHARES INTERMEDIATE CREDIT BOND ETF ETF/FIXED INCOME 464288638   23,150 428 SH   DFND   428 0 0
ISHARES SHORT TERM CORP BOND ETF/FIXED INCOME 464288646   20,147 380 SH   DFND   380 0 0
ISHARES US PREFERRED STOCK ETF/OTHER 464288687   3,747,572 118,558 SH   SOLE   118,558 0 0
ISHARES US PREFERRED STOCK ETF/OTHER 464288687   240,451 7,607 SH   DFND   7,607 0 0
ISHARES CORE HIGH DIVIDEND ETF/EQUITY 46429B663   25,714 210 SH   SOLE   210 0 0
ISHARES EDGE MSCI MIN VOL USA ETF ETF/EQUITY 46429B697   237,850 2,500 SH   SOLE   2,500 0 0
ISHARES EDGE MSCI USA VALUE FACTOR ETF/EQUITY 46432F388   348,639 2,788 SH   SOLE   2,788 0 0
ISHARES CORE MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 46432F842   28,930,568 331,355 SH   SOLE   331,150 0 205
ISHARES CORE MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 46432F842   436,023 4,994 SH   DFND   4,994 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 46434G103   9,087,984 137,864 SH   SOLE   137,864 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 46434G103   21,753 330 SH   DFND   330 0 0
ISHARES MSCI EM EX CHINA ETF/INTERNATIONAL EQUITY 46434G764   2,811,791 41,650 SH   SOLE   41,650 0 0
ISHARES MSCI EM EX CHINA ETF/INTERNATIONAL EQUITY 46434G764   21,333 316 SH   DFND   316 0 0
ISHARES ESG MSCI EM ETF ETF/INTERNATIONAL EQUITY 46434G863   273,957 6,311 SH   SOLE   6,203 0 108
ISHARES ESG MSCI EM ETF ETF/INTERNATIONAL EQUITY 46434G863   55,998 1,290 SH   DFND   1,290 0 0
ISHARES MSCI ACWI LOW CARBON ETF/EQUITY 46434V464   3,856 17 SH   SOLE   17 0 0
ISHARES CORE DIV GROWTH ETF ETF/EQUITY 46434V621   60,318 886 SH   SOLE   886 0 0
ISHARES ESG USD CORP BOND ETF/FIXED INCOME 46435G193   3,438 146 SH   SOLE   146 0 0
ISHARES TR ESG AWRE 1 5 YR ETF/FIXED INCOME 46435G243   1,897 75 SH   SOLE   75 0 0
ISHARES TR ESG MSCI USA ETF (ESGU) ETF/EQUITY 46435G425   18,200 125 SH   SOLE   125 0 0
ISHARES ESG MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 46435G516   426,403 4,586 SH   SOLE   4,586 0 0
ISHARES FUTURE AI & TECH ETF ETF/EQUITY 46435U556   595,010 13,000 SH   DFND   13,000 0 0
ISHARES ESG AWARE MSCI SMALLCAP ETF ETF/EQUITY 46435U663   2,298 51 SH   SOLE   51 0 0
ISHARES 0-3 MONTH TREASURY ETF/FIXED INCOME 46436E718   40,278 400 SH   SOLE   400 0 0
ITAU UNIBANCO HLDG SA ADR FOREIGN EQUITIES 465562106   56,657 7,719 SH   SOLE   7,719 0 0
JPMORGAN CHASE & CO COMMON STOCK 46625H100   20,467,195 64,889 SH   SOLE   64,889 0 0
JPMORGAN CHASE & CO COMMON STOCK 46625H100   1,815,234 5,755 SH   DFND   5,755 0 0
JABIL CIRCUIT INC. COMMON STOCK 466313103   43,434 200 SH   SOLE   200 0 0
JPMORGAN EQUITY PREMIUM INC ETF/EQUITY 46641Q332   10,040,233 175,867 SH   SOLE   175,672 0 195
JPMORGAN EQUITY PREMIUM INC ETF/EQUITY 46641Q332   79,240 1,388 SH   DFND   1,388 0 0
JP MORGAN ULTRA SHORT INC ETF/FIXED INCOME 46641Q837   20,288 400 SH   SOLE   400 0 0
JACOBS SOLUTIONS INC COMMON STOCK 46982L108   22,479 150 SH   DFND   150 0 0
JANUS HENDERSON SECURITIZED INCOME ETF ETF/FIXED INCOME 47103U746   618,028 11,824 SH   SOLE   11,710 0 114
JANUS HENDERSON SECURITIZED INCOME ETF ETF/FIXED INCOME 47103U746   16,516 316 SH   DFND   316 0 0
JANUS DETROIT STREET TR HENDERSON AAA CLO ETF/FIXED INCOME 47103U845   1,540,808 30,349 SH   SOLE   30,059 0 290
JANUS DETROIT STREET TR HENDERSON AAA CLO ETF/FIXED INCOME 47103U845   47,418 934 SH   DFND   934 0 0
JBT MAREL CORPORATION COMMON STOCK 477839104   24,438 174 SH   SOLE   174 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104   7,204,986 38,858 SH   SOLE   38,858 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104   1,503,751 8,110 SH   DFND   8,110 0 0
KENVUE INC COMMON STOCK 49177J102   855,773 52,761 SH   SOLE   52,761 0 0
KENVUE INC COMMON STOCK 49177J102   116,538 7,185 SH   DFND   7,185 0 0
KEURIG DR PEPPER INC COMMON STOCK 49271V100   45,619 1,789 SH   SOLE   1,789 0 0
KEYCORP COMMON STOCK 493267108   9,340 500 SH   SOLE   500 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103   456,326 3,670 SH   SOLE   3,670 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103   73,981 595 SH   DFND   595 0 0
KINDER MORGAN INC COMMON STOCK 49456B101   1,997,234 70,574 SH   SOLE   70,574 0 0
KINDER MORGAN INC COMMON STOCK 49456B101   167,960 5,935 SH   DFND   5,935 0 0
KIRBY CORP COMMON STOCK 497266106   4,089 49 SH   SOLE   49 0 0
KRAFT HEINZ COMPANY COMMON STOCK 500754106   60,751 2,333 SH   DFND   2,333 0 0
KYNDRYL HOLDINGS INC COMMON STOCK 50155Q100   48,332 1,610 SH   SOLE   1,610 0 0
LAM RESEARCH CORP COMMON STOCK 512807306   4,005,734 29,916 SH   SOLE   29,916 0 0
LAM RESEARCH CORP COMMON STOCK 512807306   303,952 2,270 SH   DFND   2,270 0 0
ESTEE LAUDER COMP INC CL A COMMON STOCK 518439104   8,812 100 SH   SOLE   100 0 0
LEIDOS HOLDINGS INC COMMON STOCK 525327102   107,705 570 SH   SOLE   570 0 0
LENNAR CORP CL A COMMON STOCK 526057104   1,138,762 9,035 SH   SOLE   9,035 0 0
LENNAR CORP CL A COMMON STOCK 526057104   74,993 595 SH   DFND   595 0 0
LIBERTY ALL STAR EQUITY FD CLOSED END MUTUAL FUNDS 530158104   15,228 2,402 SH   DFND   2,402 0 0
LIBERTY BROADBAND CORP C COMMON STOCK 530307305   15,440 243 SH   SOLE   243 0 0
ELI LILLY AND COMPANY COMMON STOCK 532457108   2,241,694 2,938 SH   SOLE   2,888 0 50
ELI LILLY AND COMPANY COMMON STOCK 532457108   1,034,628 1,356 SH   DFND   1,356 0 0
LINCOLN ELEC HLDGS INC COMMON STOCK 533900106   21,460 91 SH   SOLE   91 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109   2,572,374 5,153 SH   SOLE   5,153 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109   464,256 930 SH   DFND   930 0 0
LOEWS CORP COMMON STOCK 540424108   130,507 1,300 SH   DFND   1,300 0 0
LOWES COMPANIES INC COMMON STOCK 548661107   4,656,474 18,529 SH   SOLE   18,529 0 0
LOWES COMPANIES INC COMMON STOCK 548661107   326,195 1,298 SH   DFND   1,298 0 0
M & T BANK CORP COMMON STOCK 55261F104   218,172 1,104 SH   SOLE   1,104 0 0
M & T BANK CORP COMMON STOCK 55261F104   33,200 168 SH   DFND   168 0 0
MAGNA INTERNATIONAL INC FOREIGN EQUITIES 559222401   28,522 602 SH   SOLE   602 0 0
MARATHON PETROLEUM CORP COMMON STOCK 56585A102   53,967 280 SH   SOLE   280 0 0
MARATHON PETROLEUM CORP COMMON STOCK 56585A102   66,302 344 SH   DFND   344 0 0
MASCO CORP COMMON STOCK 574599106   33,641 478 SH   SOLE   478 0 0
MASTERCARD INC CLASS A COMMON STOCK 57636Q104   847,512 1,490 SH   SOLE   1,490 0 0
MASTERCARD INC CLASS A COMMON STOCK 57636Q104   31,284 55 SH   DFND   55 0 0
MATADOR RES CO COMMON STOCK 576485205   7,323 163 SH   SOLE   163 0 0
MCDONALDS CORP COMMON STOCK 580135101   3,792,405 12,480 SH   SOLE   12,480 0 0
MCDONALDS CORP COMMON STOCK 580135101   186,275 613 SH   DFND   613 0 0
MCKESSON CORP COMMON STOCK 58155Q103   366,951 475 SH   SOLE   475 0 0
MCKESSON CORP COMMON STOCK 58155Q103   432,616 560 SH   DFND   560 0 0
MEDICAL PPTYS TRUST INC COMMON STOCK 58463J304   10,140 2,000 SH   SOLE   2,000 0 0
MEDPACE HOLDINGS INC COMMON STOCK 58506Q109   20,566 40 SH   SOLE   40 0 0
MERCK & COMPANY INC COMMON STOCK 58933Y105   8,421,095 100,336 SH   SOLE   100,336 0 0
MERCK & COMPANY INC COMMON STOCK 58933Y105   1,315,342 15,672 SH   DFND   15,672 0 0
MERITAGE HOMES CORP COMMON STOCK 59001A102   8,836 122 SH   SOLE   122 0 0
METLIFE INC COMMON STOCK 59156R108   1,708,654 20,744 SH   SOLE   20,744 0 0
METLIFE INC COMMON STOCK 59156R108   104,607 1,270 SH   DFND   1,270 0 0
METTLER-TOLEDO INTL COMMON STOCK 592688105   429,663 350 SH   SOLE   350 0 0
METTLER-TOLEDO INTL COMMON STOCK 592688105   122,761 100 SH   DFND   100 0 0
MICROSOFT CORP COMMON STOCK 594918104   26,827,111 51,795 SH   SOLE   51,795 0 0
MICROSOFT CORP COMMON STOCK 594918104   3,273,435 6,320 SH   DFND   6,320 0 0
MICRON TECHNOLOGY COMMON STOCK 595112103   41,830 250 SH   SOLE   250 0 0
MITSUBISHI UFJ FINL GROUP INSPONSORED ADR FOREIGN EQUITIES 606822104   62,213 3,903 SH   SOLE   3,903 0 0
MOLINA HEALTHCARE INC COMMON STOCK 60855R100   24,111 126 SH   SOLE   126 0 0
MONDELEZ INTL INC CL A COMMON STOCK 609207105   212,398 3,400 SH   SOLE   3,400 0 0
MONDELEZ INTL INC CL A COMMON STOCK 609207105   131,187 2,100 SH   DFND   2,100 0 0
MONSTER BEVERAGE COMMON STOCK 61174X109   84,743 1,259 SH   SOLE   1,259 0 0
MORGAN STANLEY COMMON STOCK 617446448   1,776,533 11,176 SH   SOLE   11,176 0 0
MORGAN STANLEY COMMON STOCK 617446448   7,948 50 SH   DFND   50 0 0
MUELLER INDS INC COMMON STOCK 624756102   16,076 159 SH   SOLE   159 0 0
MURPHY OIL CORPORATION COMMON STOCK 626717102   18,119 638 SH   SOLE   638 0 0
MURPHY USA INC COMMON STOCK 626755102   31,837 82 SH   SOLE   82 0 0
NBT BANCORP INC COMMON STOCK 628778102   458,707 10,987 SH   SOLE   10,987 0 0
NBT BANCORP INC COMMON STOCK 628778102   254,174 6,088 SH   DFND   6,088 0 0
NRG ENERGY INC COMMON STOCK 629377508   54,415 336 SH   SOLE   336 0 0
NRG ENERGY INC COMMON STOCK 629377508   54,253 335 SH   DFND   335 0 0
NASDAQ INC COMMON STOCK 631103108   45,021 509 SH   SOLE   509 0 0
NATIONAL FUEL GAS COMPANY COMMON STOCK 636180101   618,879 6,700 SH   SOLE   6,700 0 0
NATIONAL FUEL GAS COMPANY COMMON STOCK 636180101   9,237 100 SH   DFND   100 0 0
NATIONAL GRID PLC ADR FOREIGN EQUITIES 636274409   77,973 1,073 SH   DFND   1,073 0 0
NETFLIX INC COMMON STOCK 64110L106   652,212 544 SH   SOLE   544 0 0
NEXSTAR MEDIA GROUP INC COMMON STOCK 65336K103   9,887 50 SH   SOLE   50 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101   3,008,991 39,860 SH   SOLE   39,860 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101   1,373,914 18,200 SH   DFND   18,200 0 0
NICE LTD SPONSORED ADR FOREIGN EQUITIES 653656108   28,376 196 SH   SOLE   196 0 0
NIKE INC CLASS B COMMON STOCK 654106103   1,318,822 18,916 SH   SOLE   18,916 0 0
NIKE INC CLASS B COMMON STOCK 654106103   34,860 500 SH   DFND   500 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108   1,270,692 4,230 SH   SOLE   4,230 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108   330,440 1,100 SH   DFND   1,100 0 0
NORTHROP GRUMMAN CORP COMMON STOCK 666807102   12,186 20 SH   SOLE   20 0 0
NORTHROP GRUMMAN CORP COMMON STOCK 666807102   121,864 200 SH   DFND   200 0 0
NORTHWEST NATURAL HLDG CO COMMON STOCK 66765N105   4,448 99 SH   SOLE   99 0 0
NORWOOD FINANCIAL CORP COMMON STOCK 669549107   172,838 6,802 SH   SOLE   6,802 0 0
NOVARTIS AG ADR FOREIGN EQUITIES 66987V109   244,424 1,906 SH   SOLE   1,906 0 0
NOVO-NORDISK AS ADR FOREIGN EQUITIES 670100205   44,724 806 SH   SOLE   806 0 0
NUCOR CORP COMMON STOCK 670346105   3,655,899 26,995 SH   SOLE   26,995 0 0
NUCOR CORP COMMON STOCK 670346105   768,564 5,675 SH   DFND   5,675 0 0
NVIDIA CORPORATION COMMON STOCK 67066G104   7,691,742 41,225 SH   SOLE   41,225 0 0
NVIDIA CORPORATION COMMON STOCK 67066G104   1,183,848 6,345 SH   DFND   6,345 0 0
NUVEEN AMT FREE MUNI CR INC CLOSED END MUTUAL FUNDS 67071L106   73,740 6,000 SH   SOLE   6,000 0 0
OAKTREE SPECIALTY LENDING COMMON STOCK 67401P405   9,526 730 SH   SOLE   730 0 0
OMNICOM GROUP INC COMMON STOCK 681919106   3,149,544 38,631 SH   SOLE   38,631 0 0
OMNICOM GROUP INC COMMON STOCK 681919106   156,127 1,915 SH   DFND   1,915 0 0
ONEOK INC COMMON STOCK 682680103   28,750 394 SH   SOLE   394 0 0
OPEN LENDING CORP COMMON STOCK 68373J104   420 200 SH   SOLE   200 0 0
ORACLE CORP COMMON STOCK 68389X105   725,010 2,578 SH   SOLE   2,578 0 0
ORGANON & CO COMMON STOCK 68622V106   85 8 SH   DFND   8 0 0
OTIS WORLDWIDE CORP COMMON STOCK 68902V107   6,857 75 SH   SOLE   75 0 0
OTIS WORLDWIDE CORP COMMON STOCK 68902V107   29,714 325 SH   DFND   325 0 0
PNC FINL SVCS GROUP INC COMMON STOCK 693475105   2,180,083 10,850 SH   SOLE   10,850 0 0
PNC FINL SVCS GROUP INC COMMON STOCK 693475105   91,824 457 SH   DFND   457 0 0
PVH CORPORATION COMMON STOCK 693656100   6,869 82 SH   SOLE   82 0 0
PALO ALTO NETWORKS INC COMMON STOCK 697435105   1,839,053 9,032 SH   SOLE   9,032 0 0
PALO ALTO NETWORKS INC COMMON STOCK 697435105   510,066 2,505 SH   DFND   2,505 0 0
PAYCHEX INC COMMON STOCK 704326107   190,140 1,500 SH   SOLE   1,500 0 0
PAYCHEX INC COMMON STOCK 704326107   72,886 575 SH   DFND   575 0 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103   21,459 320 SH   SOLE   320 0 0
PEOPLES FINL SVCS CORP COMMON STOCK 711040105   59,206 1,218 SH   SOLE   1,218 0 0
PEPSICO INC COMMON STOCK 713448108   8,523,797 60,694 SH   SOLE   60,694 0 0
PEPSICO INC COMMON STOCK 713448108   872,265 6,211 SH   DFND   6,211 0 0
PERMIAN RESOURCES CORP CL A COMMON STOCK 71424F105   6,284 491 SH   SOLE   491 0 0
PFIZER INC COMMON STOCK 717081103   1,495,577 58,720 SH   SOLE   58,720 0 0
PFIZER INC COMMON STOCK 717081103   105,647 4,148 SH   DFND   4,148 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109   170,310 1,050 SH   SOLE   1,050 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109   111,755 689 SH   DFND   689 0 0
PHILLIPS 66 COMMON STOCK 718546104   2,971,589 21,847 SH   SOLE   21,847 0 0
PHILLIPS 66 COMMON STOCK 718546104   76,170 560 SH   DFND   560 0 0
PLAINS ALL AMERICAN PIPELINE COMMON STOCK 726503105   51,150 3,000 SH   DFND   3,000 0 0
PLUG POWER INC COMMON STOCK 72919P202   2,320 1,000 SH   DFND   1,000 0 0
POSTAL REALTY TRUST INC CL A COMMON STOCK 73757R102   7,845 500 SH   SOLE   500 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109   7,017,891 45,675 SH   SOLE   45,675 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109   789,144 5,136 SH   DFND   5,136 0 0
PROSPERITY BANCSHARES INC COMMON STOCK 743606105   28,795 434 SH   SOLE   434 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102   34,856 336 SH   SOLE   336 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102   22,304 215 SH   DFND   215 0 0
PRUDENTIAL PLC ADR FOREIGN EQUITIES 74435K204   69,362 2,479 SH   SOLE   2,479 0 0
PUBLIC SVC ENTERPRISE GROUP COMMON STOCK 744573106   4,142,513 49,635 SH   SOLE   49,635 0 0
PUBLIC SVC ENTERPRISE GROUP COMMON STOCK 744573106   960,037 11,503 SH   DFND   11,503 0 0
PULTE GROUP INC COMMON STOCK 745867101   27,747 210 SH   DFND   210 0 0
QUALCOMM INC COMMON STOCK 747525103   4,974,305 29,901 SH   SOLE   29,901 0 0
QUALCOMM INC COMMON STOCK 747525103   459,985 2,765 SH   DFND   2,765 0 0
RTX CORP COMMON STOCK 75513E101   5,308,318 31,724 SH   SOLE   31,724 0 0
RTX CORP COMMON STOCK 75513E101   572,929 3,424 SH   DFND   3,424 0 0
REALTY INCOME CORP COMMON STOCK 756109104   24,316 400 SH   SOLE   400 0 0
RED ROCK RESORTS INC CL A COMMON STOCK 75700L108   15,387 252 SH   SOLE   252 0 0
REDDIT CLASS A COMMON STOCK 75734B100   18,399 80 SH   DFND   80 0 0
REGENERON PHARMACEUTICALS COMMON STOCK 75886F107   53,415 95 SH   SOLE   95 0 0
REINSURANCE GROUP OF AMERICA COMMON STOCK 759351604   23,631 123 SH   SOLE   123 0 0
REPUBLIC SERVICES INC COMMON STOCK 760759100   22,948 100 SH   SOLE   100 0 0
RIBBONS COMMUNICATIONS INC COMMON STOCK 762544104   5,306 1,400 SH   SOLE   1,400 0 0
ROCKWELL AUTOMATION INC COMMON STOCK 773903109   31,456 90 SH   DFND   90 0 0
ROPER INDS INC COMMON STOCK 776696106   99,738 200 SH   SOLE   200 0 0
ROYAL BANK OF CANADA FOREIGN EQUITIES 780087102   1,382,738 9,386 SH   SOLE   9,386 0 0
ROYAL BANK OF CANADA FOREIGN EQUITIES 780087102   43,901 298 SH   DFND   298 0 0
SHELL PLC FOREIGN EQUITIES 780259305   31,473 440 SH   SOLE   440 0 0
RUSH ENTERPRISES INC CL A COMMON STOCK 781846209   20,853 390 SH   SOLE   390 0 0
S&P GLOBAL INC COMMON STOCK 78409V104   286,179 588 SH   SOLE   588 0 0
S&P GLOBAL INC COMMON STOCK 78409V104   10,220 21 SH   DFND   21 0 0
SEI INVESTMENTS CO. COMMON STOCK 784117103   35,212 415 SH   SOLE   415 0 0
SPDR S&P 500 ETF ETF/EQUITY 78462F103   10,063,801 15,107 SH   SOLE   15,107 0 0
SPDR S&P 500 ETF ETF/EQUITY 78462F103   401,032 602 SH   DFND   602 0 0
SPDR GOLD SHARES ETF/OTHER 78463V107   35,546 100 SH   SOLE   100 0 0
SPDR GOLD SHARES ETF/OTHER 78463V107   1,501,818 4,225 SH   DFND   4,225 0 0
SPDR INTERM CORP BOND ETF ETF/FIXED INCOME 78464A375   1,209,508 35,700 SH   SOLE   35,142 0 558
SPDR INTERM CORP BOND ETF ETF/FIXED INCOME 78464A375   26,899 794 SH   DFND   794 0 0
SPDR PORTFOLIO S&P500 GROWTH ETF/EQUITY 78464A409   539,786 5,165 SH   SOLE   5,165 0 0
SPDR PORTFOLIO S&P500 GROWTH ETF/EQUITY 78464A409   110,258 1,055 SH   DFND   1,055 0 0
SPDR PORTFOLIO S&P 500 VALUE ETF/EQUITY 78464A508   880,905 15,921 SH   SOLE   15,921 0 0
SPDR PORTFOLIO S&P 500 VALUE ETF/EQUITY 78464A508   68,332 1,235 SH   DFND   1,235 0 0
SPDR S&P CAPITAL MARKETS ETF/EQUITY 78464A771   3,131,884 20,490 SH   SOLE   20,483 0 7
SPDR S&P CAPITAL MARKETS ETF/EQUITY 78464A771   3,821 25 SH   DFND   25 0 0
SPDR PORTFOLIO MIDCAP ETF ETF/EQUITY 78464A847   2,571 45 SH   SOLE   45 0 0
SPDR PORTFOLIO S&P 500 ETF/EQUITY 78464A854   1,023,817 13,069 SH   SOLE   12,969 0 100
SPDR PORTFOLIO S&P 500 ETF/EQUITY 78464A854   11,359 145 SH   DFND   145 0 0
SPDR BLACKSTONE/GSO SENIOR LOAN ETF ETF/FIXED INCOME 78467V608   39,699 955 SH   SOLE   955 0 0
SPDR S&P MIDCAP 400 ETF ETF/EQUITY 78467Y107   6,820,218 11,443 SH   SOLE   11,443 0 0
SPDR S&P MIDCAP 400 ETF ETF/EQUITY 78467Y107   58,409 98 SH   DFND   98 0 0
SPDR PORTFOLIO SMALLCAP ETF ETF/EQUITY 78468R853   31,351 677 SH   SOLE   677 0 0
SALESFORCE INC COMMON STOCK 79466L302   1,798,593 7,589 SH   SOLE   7,589 0 0
SALESFORCE INC COMMON STOCK 79466L302   412,380 1,740 SH   DFND   1,740 0 0
SANMINA CORPORATION COMMON STOCK 801056102   3,338 29 SH   SOLE   29 0 0
SAP AG SPON ADR FOREIGN EQUITIES 803054204   32,331 121 SH   SOLE   121 0 0
SLB FOREIGN EQUITIES 806857108   40,132 1,168 SH   SOLE   1,168 0 0
SLB FOREIGN EQUITIES 806857108   29,755 866 SH   DFND   866 0 0
CHARLES SCHWAB CORP COMMON STOCK 808513105   87,641 918 SH   SOLE   918 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF ETF/EQUITY 808524201   118,925 4,515 SH   DFND   4,515 0 0
SCHWAB US SMALL CAP ETF ETF/EQUITY 808524607   3,314,941 118,858 SH   SOLE   118,858 0 0
SCHWAB US SMALL CAP ETF ETF/EQUITY 808524607   177,546 6,366 SH   DFND   6,366 0 0
MATERIALS SELECT SECTOR SPDR ETF/EQUITY 81369Y100   66,766 745 SH   SOLE   745 0 0
MATERIALS SELECT SECTOR SPDR ETF/EQUITY 81369Y100   885,893 9,885 SH   DFND   9,885 0 0
HEALTH CARE SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y209   396,066 2,846 SH   SOLE   2,846 0 0
HEALTH CARE SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y209   9,046 65 SH   DFND   65 0 0
CONSUMER STAPLES SECTOR SPDR ETF/EQUITY 81369Y308   174,371 2,225 SH   SOLE   2,225 0 0
CONSUMER STAPLES SECTOR SPDR ETF/EQUITY 81369Y308   10,971 140 SH   DFND   140 0 0
CONSUMER DISCRET SEL SECT SPDR ETF ETF/EQUITY 81369Y407   364,252 1,520 SH   SOLE   1,520 0 0
CONSUMER DISCRET SEL SECT SPDR ETF ETF/EQUITY 81369Y407   23,245 97 SH   DFND   97 0 0
ENERGY SELECT SECTOR SPDR ETF/EQUITY 81369Y506   2,295,389 25,693 SH   SOLE   25,693 0 0
ENERGY SELECT SECTOR SPDR ETF/EQUITY 81369Y506   241,217 2,700 SH   DFND   2,700 0 0
SPDR FINANCIAL SELECT SECTOR ETF/EQUITY 81369Y605   168,581 3,130 SH   SOLE   3,130 0 0
SPDR INDUSTRIALS (XLI) ETF/EQUITY 81369Y704   175,822 1,140 SH   SOLE   1,140 0 0
TECHNOLOGY SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y803   628,239 2,229 SH   SOLE   2,229 0 0
TECHNOLOGY SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y803   65,107 231 SH   DFND   231 0 0
SELECT SECTOR SPDR TR COMMUNICATION ETF/EQUITY 81369Y852   63,317 535 SH   SOLE   535 0 0
UTILITIES SELECT SECTOR SPDR ETF/EQUITY 81369Y886   2,518,773 28,882 SH   SOLE   28,868 0 14
UTILITIES SELECT SECTOR SPDR ETF/EQUITY 81369Y886   29,214 335 SH   DFND   335 0 0
SELECTIVE INS GROUP INC COMMON STOCK 816300107   5,917 73 SH   SOLE   73 0 0
SEMPRA ENERGY COMMON STOCK 816851109   2,244,623 24,946 SH   SOLE   24,946 0 0
SEMPRA ENERGY COMMON STOCK 816851109   161,963 1,800 SH   DFND   1,800 0 0
SHOPIFY INC FOREIGN EQUITIES 82509L107   100,608 677 SH   SOLE   677 0 0
SIRIUSXM HOLDINGS INC COMMON STOCK 829933100   4,421 190 SH   DFND   190 0 0
SIXTH ST SPECIALTY LENDING COMMON STOCK 83012A109   22,860 1,000 SH   SOLE   1,000 0 0
SNAP ON INC COMMON STOCK 833034101   51,978 150 SH   SOLE   150 0 0
SONY CORP ADR FOREIGN EQUITIES 835699307   74,566 2,590 SH   SOLE   2,590 0 0
SOUTHERN COMPANY COMMON STOCK 842587107   33,169 350 SH   SOLE   350 0 0
SOUTHERN COMPANY COMMON STOCK 842587107   113,724 1,200 SH   DFND   1,200 0 0
SOUTHERN COPPER CORP COMMON STOCK 84265V105   59,102 487 SH   SOLE   487 0 0
SPIRE INC COMMON STOCK 84857L101   25,026 307 SH   SOLE   307 0 0
SPROTT PHYSICAL GOLD TRUST ETF/OTHER 85207H104   730,004 24,654 SH   SOLE   24,654 0 0
BLOCK INC CL A COMMON STOCK 852234103   23,632 327 SH   SOLE   327 0 0
STAG INDL INC COMMON STOCK 85254J102   21,526 610 SH   SOLE   610 0 0
STARBUCKS CORP COMMON STOCK 855244109   1,645,719 19,453 SH   SOLE   19,453 0 0
STARBUCKS CORP COMMON STOCK 855244109   29,610 350 SH   DFND   350 0 0
STATE STREET CORP COMMON STOCK 857477103   64,385 555 SH   SOLE   555 0 0
STRYKER CORP COMMON STOCK 863667101   2,387,623 6,459 SH   SOLE   6,459 0 0
STRYKER CORP COMMON STOCK 863667101   36,966 100 SH   DFND   100 0 0
SUBURBAN PROPANE PARTNERS LP COMMON STOCK 864482104   12,302 660 SH   SOLE   660 0 0
SYSCO CORP COMMON STOCK 871829107   145,330 1,765 SH   SOLE   1,765 0 0
TJX COMPANIES COMMON STOCK 872540109   43,362 300 SH   SOLE   300 0 0
T MOBILE US INC COMMON STOCK 872590104   100,539 420 SH   SOLE   420 0 0
TAIWAN SEMICONDUCTOR MFG LTDSPONSORED ADS FOREIGN EQUITIES 874039100   96,910 347 SH   SOLE   347 0 0
TARGET CORP COMMON STOCK 87612E106   1,257,493 14,019 SH   SOLE   14,019 0 0
TARGET CORP COMMON STOCK 87612E106   34,534 385 SH   DFND   385 0 0
TAYLOR MORRISON HOME CORP COMMON STOCK 87724P106   9,109 138 SH   SOLE   138 0 0
TELEDYNE TECHNOLOGIES INC COMMON STOCK 879360105   109,587 187 SH   DFND   187 0 0
TENARIS SA ADR FOREIGN EQUITIES 88031M109   35,770 1,000 SH   SOLE   1,000 0 0
TESLA MOTORS INC COMMON STOCK 88160R101   722,652 1,625 SH   SOLE   1,625 0 0
TESLA MOTORS INC COMMON STOCK 88160R101   26,682 60 SH   DFND   60 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104   4,616,357 25,126 SH   SOLE   25,126 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104   159,844 870 SH   DFND   870 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102   2,339,172 4,823 SH   SOLE   4,823 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102   327,380 675 SH   DFND   675 0 0
THOR INDUSTRIES INC COMMON STOCK 885160101   57,962 559 SH   SOLE   559 0 0
3M COMPANY COMMON STOCK 88579Y101   7,759 50 SH   SOLE   50 0 0
3M COMPANY COMMON STOCK 88579Y101   155,180 1,000 SH   DFND   1,000 0 0
TOMPKINS FINANCIAL CORP COMMON STOCK 890110109   231,700 3,500 SH   DFND   3,500 0 0
TORONTO DOMINION BANK FOREIGN EQUITIES 891160509   39,975 500 SH   SOLE   500 0 0
TOYOTA MOTOR CORP FOREIGN EQUITIES 892331307   114,654 600 SH   DFND   600 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109   453,988 1,626 SH   SOLE   1,626 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109   32,108 115 SH   DFND   115 0 0
TREX CO INC COMMON STOCK 89531P105   7,284 141 SH   SOLE   141 0 0
TRINET GROUP INC COMMON STOCK 896288107   14,579 218 SH   SOLE   218 0 0
TRUIST FINANCIAL CORP COMMON STOCK 89832Q109   4,122,240 90,163 SH   SOLE   90,163 0 0
TRUIST FINANCIAL CORP COMMON STOCK 89832Q109   157,092 3,436 SH   DFND   3,436 0 0
US BANCORP COMMON STOCK 902973304   948,272 19,621 SH   SOLE   19,621 0 0
US BANCORP COMMON STOCK 902973304   250,588 5,185 SH   DFND   5,185 0 0
UNION PACIFIC CORP COMMON STOCK 907818108   1,229,350 5,201 SH   SOLE   5,201 0 0
UNION PACIFIC CORP COMMON STOCK 907818108   64,763 274 SH   DFND   274 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106   3,698,954 44,284 SH   SOLE   43,684 0 600
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106   298,197 3,570 SH   DFND   3,570 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102   1,850,037 5,358 SH   SOLE   5,358 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102   129,483 375 SH   DFND   375 0 0
VALE SA SPONSORED ADS FOREIGN EQUITIES 91912E105   6,516 600 SH   SOLE   600 0 0
VALMONT INDUSTRIES INC COMMON STOCK 920253101   25,201 65 SH   SOLE   65 0 0
VALVOLINE INC COMMON STOCK 92047W101   27,212 758 SH   SOLE   758 0 0
VANECK VECTORS GOLD MINERS ETF ETF/INTERNATIONAL EQUITY 92189F106   1,528,000 20,000 SH   DFND   20,000 0 0
VANECK VECTORS ETF TR GREEN BD ETF ETF/FIXED INCOME 92189F171   2,443 100 SH   SOLE   100 0 0
VANGUARD DIVIDEND APPRECIATION ETF ETF/EQUITY 921908844   1,448,165 6,711 SH   SOLE   6,711 0 0
VANGUARD TOTAL INTL STOCK ETF ETF/INTERNATIONAL EQUITY 921909768   285,352 3,885 SH   SOLE   3,885 0 0
VANGUARD MEGA CAP GROWTH ETF/EQUITY 921910816   57,544 143 SH   SOLE   143 0 0
VANGUARD BD INDEX FD INC LONG TERM BOND ETF/FIXED INCOME 921937793   15,232 215 SH   SOLE   0 0 215
VANGUARD SHORT TERM BOND ETF ETF/FIXED INCOME 921937827   106,515 1,350 SH   SOLE   1,350 0 0
VANGUARD TOTAL BOND MRKT ETF ETF/FIXED INCOME 921937835   283,125 3,807 SH   SOLE   3,807 0 0
VANGUARD TOTAL BOND MRKT ETF ETF/FIXED INCOME 921937835   5,577 75 SH   DFND   75 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF/INTERNATIONAL EQUITY 921943858   235,605 3,932 SH   SOLE   3,932 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF/INTERNATIONAL EQUITY 921943858   4,793 80 SH   DFND   80 0 0
VANGUARD FINANCIALS ETF ETF/EQUITY 92204A405   590,580 4,500 SH   SOLE   4,500 0 0
VANGUARD FINANCIALS ETF ETF/EQUITY 92204A405   354,348 2,700 SH   DFND   2,700 0 0
VANGUARD INDUSTRIALS ETF ETF/EQUITY 92204A603   1,303,632 4,400 SH   DFND   4,400 0 0
VANGUARD INFO TECH ETF ETF/EQUITY 92204A702   1,723,965 2,309 SH   SOLE   2,309 0 0
VANGUARD INFO TECH ETF ETF/EQUITY 92204A702   273,266 366 SH   DFND   366 0 0
VANGUARD UTILITIES ETF ETF/EQUITY 92204A876   12,311 65 SH   SOLE   65 0 0
VANGUARD INTL EQUITY INDEX FFTSE SMCAP ETF ETF/INTERNATIONAL EQUITY 922042718   309,048 2,168 SH   SOLE   2,168 0 0
VANGUARD FTSE ALL-WLD EX-US ETF ETF/INTERNATIONAL EQUITY 922042775   73,786 1,034 SH   SOLE   1,034 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 922042858   1,785,269 32,951 SH   SOLE   32,951 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 922042858   356,447 6,579 SH   DFND   6,579 0 0
VANGUARD SHORT TERM CORP BOND ETF ETF/FIXED INCOME 92206C409   275,356 3,445 SH   SOLE   3,445 0 0
VANGUARD SHORT TERM CORP BOND ETF ETF/FIXED INCOME 92206C409   86,481 1,082 SH   DFND   1,082 0 0
VANGUARD LONG TERM CORP BONDINDEX FUND ETF ETF/FIXED INCOME 92206C813   5,513 71 SH   DFND   71 0 0
VANGUARD LONG TERM TREASURY ETF/FIXED INCOME 92206C847   395,281 6,952 SH   SOLE   6,952 0 0
VANGUARD LONG TERM TREASURY ETF/FIXED INCOME 92206C847   41,961 738 SH   DFND   738 0 0
VANGUARD S&P 500 ETF ETF/EQUITY 922908363   16,381,775 26,751 SH   SOLE   26,751 0 0
VANGUARD REIT ETF ETF/EQUITY 922908553   683,074 7,472 SH   SOLE   7,472 0 0
VANGUARD REIT ETF ETF/EQUITY 922908553   32,179 352 SH   DFND   352 0 0
VANGUARD SMALLCAP VALUE ETF ETF/EQUITY 922908611   606,301 2,905 SH   SOLE   2,905 0 0
VANGUARD EXTENDED MKT IDX ETF/EQUITY 922908652   4,814 23 SH   SOLE   23 0 0
VANGUARD GROWTH ETF ETF/EQUITY 922908736   407,660 850 SH   SOLE   850 0 0
VANGUARD GROWTH ETF ETF/EQUITY 922908736   103,114 215 SH   DFND   215 0 0
VANGUARD VALUE ETF ETF/EQUITY 922908744   149,192 800 SH   SOLE   800 0 0
VANGUARD SMALLCAP ETF ETF/EQUITY 922908751   206,729 813 SH   SOLE   813 0 0
VANGUARD TOTAL STOCK MARKET ETF ETF/EQUITY 922908769   625,143 1,905 SH   SOLE   1,905 0 0
VANGUARD TOTAL STOCK MARKET ETF ETF/EQUITY 922908769   1,772,064 5,400 SH   DFND   5,400 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104   7,921,471 180,240 SH   SOLE   180,240 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104   1,348,902 30,692 SH   DFND   30,692 0 0
VERTEX PHARMACEUTICALS INC COMMON STOCK 92532F100   1,047,603 2,675 SH   SOLE   2,550 0 125
VERTEX PHARMACEUTICALS INC COMMON STOCK 92532F100   73,235 187 SH   DFND   187 0 0
VISA INC CLASS A COMMON STOCK 92826C839   4,202,341 12,310 SH   SOLE   12,310 0 0
VISA INC CLASS A COMMON STOCK 92826C839   725,087 2,124 SH   DFND   2,124 0 0
WAL MART STORES INC COMMON STOCK 931142103   8,034,929 77,964 SH   SOLE   77,964 0 0
WAL MART STORES INC COMMON STOCK 931142103   1,954,633 18,966 SH   DFND   18,966 0 0
WARBY PARKER INC CL A COMMON STOCK 93403J106   18,554 673 SH   SOLE   673 0 0
WARNER BROS DISCOVERY INC COMMON STOCK 934423104   74,097 3,796 SH   SOLE   3,796 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109   1,265,976 5,733 SH   SOLE   5,733 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109   216,411 980 SH   DFND   980 0 0
WATTS WATER TECHNOLOGIES INC COMMON STOCK 942749102   13,963 50 SH   SOLE   50 0 0
WEBSTER FINANCIAL CORP COMMON STOCK 947890109   27,516 463 SH   DFND   463 0 0
WELLS FARGO & CO COMMON STOCK 949746101   171,558 2,047 SH   SOLE   2,047 0 0
WESCO INTL INC COMMON STOCK 95082P105   33,628 159 SH   SOLE   159 0 0
WESTERN ALLIANCE BANCORP COMMON STOCK 957638109   37,029 427 SH   SOLE   427 0 0
WILLIAMS COMPANIES INC COMMON STOCK 969457100   11,086 175 SH   SOLE   175 0 0
WILLIAMS COMPANIES INC COMMON STOCK 969457100   633,500 10,000 SH   DFND   10,000 0 0
WISDOMTREE US HIGH DIVIDEND ETF ETF/EQUITY 97717W208   1,435,684 14,250 SH   SOLE   14,250 0 0
WISDOMTREE US HIGH DIVIDEND ETF ETF/EQUITY 97717W208   9,067 90 SH   DFND   90 0 0
WOODSIDE ENERGY GROUP LTD FOREIGN EQUITIES 980228308   812 54 SH   DFND   54 0 0
WORKDAY INC CL A COMMON STOCK 98138H101   23,350 97 SH   SOLE   97 0 0
SPDR GOLD MINISHARES ETF/OTHER 98149E303   244,253 3,195 SH   SOLE   3,195 0 0
SPDR GOLD MINISHARES ETF/OTHER 98149E303   22,552 295 SH   DFND   295 0 0
YUM BRANDS INC COMMON STOCK 988498101   29,032 191 SH   SOLE   191 0 0
YUM CHINA HLDGS INC FOREIGN EQUITIES 98850P109   7,552 176 SH   SOLE   176 0 0
ZIMVIE INC COMMON STOCK 98888T107   4,921 260 SH   DFND   260 0 0
ZEBRA TECHNOLOGIES CORP CL A COMMON STOCK 989207105   19,909 67 SH   DFND   67 0 0
ZIMMER HOLDINGS INC COMMON STOCK 98956P102   139,673 1,418 SH   SOLE   1,418 0 0
ZIMMER HOLDINGS INC COMMON STOCK 98956P102   157,600 1,600 SH   DFND   1,600 0 0
ZIONS BANCORP COMMON STOCK 989701107   35,984 636 SH   SOLE   636 0 0