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
AFLAC INC COMMON STOCK 001055102   444,760 4,000 SH   SOLE   4,000 0 0
AT&T INC COMMON STOCK 00206R102   112,611 3,982 SH   SOLE   3,982 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100   188,364 1,420 SH   SOLE   1,420 0 0
ABBVIE INC SR NT COMMON STOCK 00287Y109   63,276 302 SH   SOLE   302 0 0
ADVANSIX INC COM COMMON STOCK 00773T101   340 15 SH   SOLE   15 0 0
AGILENT TECHNOLOGIES INC COMMON STOCK 00846U101   29,479 252 SH   SOLE   252 0 0
ALLEGHENY TECHNOLOGIES INC COMMON STOCK 01741R102   208,120 4,000 SH   SOLE   4,000 0 0
ALLSTATE CORP COMMON STOCK 020002101   89,454 432 SH   SOLE   432 0 0
ALPHABET INC COMMON STOCK 02079K107   68,741 440 SH   SOLE   440 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103   120,040 2,000 SH   SOLE   2,000 0 0
AMAZON COM INC COMMON STOCK 023135106   35,579 187 SH   SOLE   187 0 0
AVANTIS INTL EQ ETF MUTUAL FUND/STO 025072703   45,690,715 689,463 SH   SOLE   689,463 0 0
AMERICAN ELECTRIC POWER INC COMMON STOCK 025537101   147,842 1,353 SH   SOLE   1,353 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109   13,453 50 SH   SOLE   50 0 0
CENCORA, INC. COMMON STOCK 03073E105   278,090 1,000 SH   SOLE   1,000 0 0
AMETEK INC NEW COMMON STOCK 031100100   193,658 1,125 SH   SOLE   1,125 0 0
AMGEN INC COMMON STOCK 031162100   62,310 200 SH   SOLE   200 0 0
ANALOG DEVICES INC COMMON STOCK 032654105   5,445 27 SH   SOLE   27 0 0
ANHEUSER BUSCH INBEV NV FOREIGN STOCK 03524A108   3,016 49 SH   SOLE   49 0 0
ELEVANCE HEALTH COMMON STOCK 036752103   3,480 8 SH   SOLE   8 0 0
APPLE INC COMMON STOCK 037833100   333,640 1,502 SH   SOLE   1,502 0 0
ATLASSIAN CORPORATION COMMON STOCK 049468101   2,122 10 SH   SOLE   10 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103   3,666 12 SH   SOLE   12 0 0
AVERY DENNISON CORP COMMON STOCK 053611109   1,958 11 SH   SOLE   11 0 0
BAKER HUGHES A GE CO COMMON STOCK 05722G100   10,548 240 SH   SOLE   240 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104   4,590 110 SH   SOLE   110 0 0
BANK NEW YORK MELLON CORP COMMON STOCK 064058100   4,445 53 SH   SOLE   53 0 0
BENTLEY SYS INC COMMON STOCK 08265T208   6,176 157 SH   SOLE   157 0 0
BERKLEY W R CORP COMMON STOCK 084423102   8,112 114 SH   SOLE   114 0 0
BLACKSTONE GROUP INC COMMON STOCK 09260D107   211,347 1,512 SH   SOLE   1,512 0 0
BLACKROCK INC COMMON STOCK 09290D101   6,625 7 SH   SOLE   7 0 0
BOEING CO COMMON STOCK 097023105   68,220 400 SH   SOLE   400 0 0
BRISTOL-MYERS SQUIBB CO COMMON STOCK 110122108   42,693 700 SH   SOLE   700 0 0
BROADCOM INC COMMON STOCK 11135F101   41,858 250 SH   SOLE   250 0 0
CME GROUP INC COMMON STOCK 12572Q105   5,306 20 SH   SOLE   20 0 0
CMS ENERGY CORP COMMON STOCK 125896100   1,652 22 SH   SOLE   22 0 0
CNO FINL GROUP INC COMMON STOCK 12621E103   83,300 2,000 SH   SOLE   2,000 0 0
CVS HEALTH CORPORATION COMMON STOCK 126650100   135,500 2,000 SH   SOLE   2,000 0 0
CANADIAN NATIONAL RAILWAY CO FOREIGN STOCK 136375102   3,801 39 SH   SOLE   39 0 0
CAPITAL ONE FINL CORP COMMON STOCK 14040H105   54,148 302 SH   SOLE   302 0 0
CARRIER GLOBAL CORPORATION COMMON STOCK 14448C104   95,100 1,500 SH   SOLE   1,500 0 0
CARS COM INC COMMON STOCK 14575E105   25,369 2,251 SH   SOLE   2,251 0 0
CHARLES RIVER LABORATORIES COMMON STOCK 159864107   3,612 24 SH   SOLE   24 0 0
CHARTER COMMUNICATIONS INC COMMON STOCK 16119P108   18,427 50 SH   SOLE   50 0 0
CHEMED CORP NEW COMMON STOCK 16359R103   3,692 6 SH   SOLE   6 0 0
CHEMOURS CO COMMON STOCK 163851108   58,720 4,340 SH   SOLE   4,340 0 0
CHEMUNG FINANCIAL CORP. COMMON STOCK 164024101   9,514 200 SH   SOLE   200 0 0
CHEVRON CORP NEW COMMON STOCK 166764100   275,359 1,646 SH   SOLE   1,646 0 0
CHOICE HOTELS INTERNATIONAL INC COMMON STOCK 169905106   4,116 31 SH   SOLE   31 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102   69,053 1,119 SH   SOLE   1,119 0 0
CLOROX CO COMMON STOCK 189054109   29,450 200 SH   SOLE   200 0 0
COCA COLA CO COMMON STOCK 191216100   581,196 8,115 SH   SOLE   8,115 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103   224,880 2,400 SH   SOLE   2,400 0 0
COMCAST CORP COMMON STOCK 20030N101   42,288 1,146 SH   SOLE   1,146 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104   2,205 21 SH   SOLE   21 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104   272,494 2,464 SH   SOLE   2,464 0 0
CONSTELLATION BRANDS INC COMMON STOCK 21036P108   165,168 900 SH   SOLE   900 0 0
COOPER COS INC COMMON STOCK 216648501   5,905 70 SH   SOLE   70 0 0
CORNING INC COMMON STOCK 219350105   45,780 1,000 SH   SOLE   1,000 0 0
CORTEVA INC COMMON STOCK 22052L104   69,160 1,099 SH   SOLE   1,099 0 0
DTE ENERGY CO COMMON STOCK 233331107   26,410 191 SH   SOLE   191 0 0
DXC TECHNOLOGY CO COM COMMON STOCK 23355L106   1,159 68 SH   SOLE   68 0 0
DARDEN RESTAURANTS INC COMMON STOCK 237194105   29,295 141 SH   SOLE   141 0 0
DELL TECHNOLOGIES INC COM COMMON STOCK 24703L202   32,540 357 SH   SOLE   357 0 0
DIAGEO PLC FOREIGN STOCK 25243Q205   31,437 300 SH   SOLE   300 0 0
DICK'S SPORTING GOODS INC COMMON STOCK 253393102   10,078 50 SH   SOLE   50 0 0
DIGITAL REALTY TRUST INC COMMON STOCK 253868103   7,165 50 SH   SOLE   50 0 0
DISNEY WALT CO COMMON STOCK 254687106   10,364 105 SH   SOLE   105 0 0
DISCOVER FINANCIAL SERVICES COMMON STOCK 254709108   30,726 180 SH   SOLE   180 0 0
DOLBY LABORATORIES INC COMMON STOCK 25659T107   4,738 59 SH   SOLE   59 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109   16,821 300 SH   SOLE   300 0 0
DOW INC COM COMMON STOCK 260557103   58,875 1,686 SH   SOLE   1,686 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204   15,978 131 SH   SOLE   131 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102   91,633 1,227 SH   SOLE   1,227 0 0
EOG RESOURCES INC COMMON STOCK 26875P101   4,488 35 SH   SOLE   35 0 0
EASTMAN CHEMICAL CO COMMON STOCK 277432100   62,029 704 SH   SOLE   704 0 0
EMERSON ELECTRIC CO COMMON STOCK 291011104   285,064 2,600 SH   SOLE   2,600 0 0
ENBRIDGE INC FOREIGN STOCK 29250N105   8,508 192 SH   SOLE   192 0 0
ENERGY TRANSFER OPERATING LP PARTNERSHIPS 29273V100   20,282 1,091 SH   SOLE   1,091 0 0
ENTERGY CORP NEW COMMON STOCK 29364G103   9,404 110 SH   SOLE   110 0 0
EQUIFAX INC COMMON STOCK 294429105   5,845 24 SH   SOLE   24 0 0
EQUINIX INC COMMON STOCK 29444U700   3,261 4 SH   SOLE   4 0 0
EVERSOURCE ENERGY COMMON STOCK 30040W108   12,422 200 SH   SOLE   200 0 0
EXELON CORP COMMON STOCK 30161N101   21,842 474 SH   SOLE   474 0 0
EXPONENT INC COMMON STOCK 30214U102   2,999 37 SH   SOLE   37 0 0
EXTRA SPACE STORAGE INC COMMON STOCK 30225T102   99,637 671 SH   SOLE   671 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102   349,060 2,935 SH   SOLE   2,935 0 0
META PLATFORMS INC COMMON STOCK 30303M102   12,680 22 SH   SOLE   22 0 0
FAIR ISAAC CORP COMMON STOCK 303250104   5,532 3 SH   SOLE   3 0 0
FLEXSHARES GLOBAL QUALITY REAL MUTUAL FUND/STO 33939L787   35,008,466 604,139 SH   SOLE   604,139 0 0
FORD MOTOR COMPANY COMMON STOCK 345370860   10,020 999 SH   SOLE   999 0 0
FORTUNE BRANDS INNOVATIONS INC COMMON STOCK 34964C106   18,264 300 SH   SOLE   300 0 0
FREEPORT-MCMORAN INC COMMON STOCK 35671D857   37,860 1,000 SH   SOLE   1,000 0 0
GE HEALTHCARE TECHNOLOGIES INC COMMON STOCK 36266G107   45,198 560 SH   SOLE   560 0 0
GARRETT MOTION INC COM COMMON STOCK 366505105   310 37 SH   SOLE   37 0 0
GE VERNOVA INC COMMON STOCK 36828A101   128,218 420 SH   SOLE   420 0 0
GE AEROSPACE COMMON STOCK 369604301   336,252 1,680 SH   SOLE   1,680 0 0
GENERAL MILLS INC COMMON STOCK 370334104   1,315 22 SH   SOLE   22 0 0
GENUINE PARTS CO COMMON STOCK 372460105   1,191 10 SH   SOLE   10 0 0
GSK PLC FOREIGN STOCK 37733W204   96,850 2,500 SH   SOLE   2,500 0 0
GOLDMAN SACHS ACTIVEBETA U.S. MUTUAL FUND/STO 381430503   43,920 399 SH   SOLE   399 0 0
GRAINGER WW INC COMMON STOCK 384802104   4,939 5 SH   SOLE   5 0 0
HP INC COMMON STOCK 40434L105   33,228 1,200 SH   SOLE   1,200 0 0
THE HARTFORD INSURANCE GROUP, COMMON STOCK 416515104   50,729 410 SH   SOLE   410 0 0
HENRY JACK & ASSOCIATES INC COMMON STOCK 426281101   5,661 31 SH   SOLE   31 0 0
HERSHEY CO COMMON STOCK 427866108   140,758 823 SH   SOLE   823 0 0
HEWLETT PACKARD ENTERPRISE CO COMMON STOCK 42824C109   18,516 1,200 SH   SOLE   1,200 0 0
HOME DEPOT INC COMMON STOCK 437076102   447,484 1,221 SH   SOLE   1,221 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106   84,912 401 SH   SOLE   401 0 0
HUMANA INC COMMON STOCK 444859102   105,840 400 SH   SOLE   400 0 0
HUNTINGTON INGALLS INDS INC COMMON STOCK 446413106   5,713 28 SH   SOLE   28 0 0
ITT INC COMMON STOCK 45073V108   206,656 1,600 SH   SOLE   1,600 0 0
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109   2,480 10 SH   SOLE   10 0 0
NYLI MERGER ARBITRAGE ETF MUTUAL FUND/STO 45409B800   177,778 5,183 SH   SOLE   5,183 0 0
INTEL CORP COMMON STOCK 458140100   359,954 15,850 SH   SOLE   15,850 0 0
INTERACTIVE BROKERS GROUP INC COMMON STOCK 45841N107   7,617 46 SH   SOLE   46 0 0
INTERCONTINENTALEXCHANGE GROUP COMMON STOCK 45866F104   1,380 8 SH   SOLE   8 0 0
INTERNATIONAL BUSINESS MACHS COMMON STOCK 459200101   749,958 3,016 SH   SOLE   3,016 0 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103   25,075 470 SH   SOLE   470 0 0
INVESCO QQQ TR MUTUAL FUND/STO 46090E103   187,568 400 SH   SOLE   400 0 0
INVESCO OPTM YD DVRS CDTY STRA MUTUAL FUND/STO 46090F100   50,704 3,720 SH   SOLE   3,720 0 0
INTUIT COMMON STOCK 461202103   1,842 3 SH   SOLE   3 0 0
INVESCO WATER RESOURCES ETF MUTUAL FUND/STO 46137V142   25,808 400 SH   SOLE   400 0 0
INVESCO S&P 500 REVENUE ETF MUTUAL FUND/STO 46138G698   53,942 543 SH   SOLE   543 0 0
ISHARES TIPS BOND (MKT) MUTUAL FUND/GOV 464287176   86,095 775 SH   SOLE   775 0 0
ISHARES CORE S&P 500 (MKT) MUTUAL FUND/STO 464287200   64,215,063 114,282 SH   SOLE   114,282 0 0
ISHARES CORE S&P 500 (MKT) MUTUAL FUND/STO 464287200   691,137 1,230 SH   OTR   1,230 0 0
ISHARES CORE TOTAL US BOND MUTUAL FUND/COR 464287226   71,223 720 SH   SOLE   720 0 0
ISHARES MSCI EMERGING MARKETS MUTUAL FUND/STO 464287234   5,463 125 SH   SOLE   125 0 0
ISHARES 1-3 YEAR TREASURY BOND MUTUAL FUND/GOV 464287457   140,145 1,694 SH   SOLE   1,694 0 0
ISHARES MSCI EAFE (MKT) MUTUAL FUNDS GL 464287465   674,434 8,252 SH   SOLE   8,252 0 0
ISHARES MSCI EAFE (MKT) MUTUAL FUNDS GL 464287465   89,904 1,100 SH   OTR   1,100 0 0
ISHARES CORE S&P MID-CAP (MKT) MUTUAL FUND/STO 464287507   35,802,756 613,586 SH   SOLE   613,586 0 0
ISHARES CORE S&P MID-CAP (MKT) MUTUAL FUND/STO 464287507   18,964 325 SH   OTR   325 0 0
ISHARES NASDAQ BIOTECHNOLOGY MUTUAL FUND/STO 464287556   230,220 1,800 SH   SOLE   1,800 0 0
ISHARES RUSSELL 1000 VALUE (MKT) MUTUAL FUND/STO 464287598   90,129 479 SH   SOLE   479 0 0
ISHARES RUSSELL 1000 GROWTH MUTUAL FUND/STO 464287614   503,000 1,393 SH   SOLE   1,393 0 0
ISHARES RUSSELL 2000 (MKT) MUTUAL FUND/STO 464287655   163,581 820 SH   SOLE   820 0 0
ISHARES CORE S&P SMALL-CAP (MKT) MUTUAL FUND/STO 464287804   20,912,230 199,983 SH   SOLE   199,983 0 0
ISHARES CORE S&P SMALL-CAP (MKT) MUTUAL FUND/STO 464287804   52,285 500 SH   OTR   500 0 0
ISHARES RUSSELL TOP 200 ETF MUTUAL FUND/STO 464289446   22,123 161 SH   SOLE   161 0 0
ISHARES AAA - A RATED CORPORATE MUTUAL FUND/COR 46429B291   1,698,674 35,739 SH   SOLE   35,739 0 0
ISHARES MSCI USA MINIMUM MUTUAL FUND/STO 46429B697   94,875 1,013 SH   SOLE   1,013 0 0
ISHARES CORE MSCI TOTAL INTL MUTUAL FUND/STO 46432F834   78,188 1,120 SH   SOLE   1,120 0 0
ISHARES CORE MSCI EAFE MUTUAL FUNDS GL 46432F842   289,589 3,828 SH   SOLE   3,828 0 0
ISHARES CORE MSCI EMERGING MUTUAL FUNDS GL 46434G103   24,827 460 SH   SOLE   460 0 0
ISHARES FALN ANGLS USD BD ETF MUTUAL FUND/COR 46435G474   30,211,300 1,127,708 SH   SOLE   1,127,708 0 0
ISHARES FALN ANGLS USD BD ETF MUTUAL FUND/COR 46435G474   24,111 900 SH   OTR   900 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100   647,592 2,640 SH   SOLE   2,640 0 0
JPMORGAN BETABUILDERS JAPAN ETF MUTUAL FUND/STO 46641Q217   55,513 989 SH   SOLE   989 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104   531,020 3,202 SH   SOLE   3,202 0 0
KEYCORP DP COMMON STOCK 493267108   255,840 16,000 SH   SOLE   16,000 0 0
KEYSIGHT TECHNOLOGIES INC COMMON STOCK 49338L103   18,871 126 SH   SOLE   126 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103   56,888 400 SH   SOLE   400 0 0
KONINLIJKE PHILIPS N.V. FOREIGN STOCK 500472303   29,108 1,146 SH   SOLE   1,146 0 0
KRAFT HEINZ CO COMMON STOCK 500754106   9,342 307 SH   SOLE   307 0 0
KYNDRYL HLDGS INC COMMON STOCK 50155Q100   5,903 188 SH   SOLE   188 0 0
LCI INDS COM COMMON STOCK 50189K103   1,224 14 SH   SOLE   14 0 0
LPL FINL HLDGS INC COMMON STOCK 50212V100   8,179 25 SH   SOLE   25 0 0
L3HARRIS TECHNOLOGIES INC COM COMMON STOCK 502431109   259,754 1,241 SH   SOLE   1,241 0 0
LAM RESEARCH CORP COMMON STOCK 512807306   3,635 50 SH   SOLE   50 0 0
LANDS END INC. COMMON STOCK 51509F105   214 21 SH   SOLE   21 0 0
LAUDER ESTEE COS INC COMMON STOCK 518439104   1,320 20 SH   SOLE   20 0 0
LEGGETT & PLATT INC COMMON STOCK 524660107   63,280 8,000 SH   SOLE   8,000 0 0
LENNOX INTL INC COMMON STOCK 526107107   8,412 15 SH   SOLE   15 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109   2,680 6 SH   SOLE   6 0 0
LOUISIANA-PACIFIC CORP COMMON STOCK 546347105   222,223 2,416 SH   SOLE   2,416 0 0
LUMEN TECHNOLOGIES INC COMMON STOCK 550241103   227 58 SH   SOLE   58 0 0
MARATHON PETE CORP COMMON STOCK 56585A102   43,707 300 SH   SOLE   300 0 0
MARSH & MCLENNAN COS INC COMMON STOCK 571748102   10,493 43 SH   SOLE   43 0 0
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202   125,055 525 SH   SOLE   525 0 0
MASCO CORP COMMON STOCK 574599106   417,240 6,000 SH   SOLE   6,000 0 0
MASTERBRAND INC COMMON STOCK 57638P104   117,748 9,016 SH   SOLE   9,016 0 0
MCDONALDS CORP COMMON STOCK 580135101   148,063 474 SH   SOLE   474 0 0
MERCADOLIBRE INC COMMON STOCK 58733R102   3,902 2 SH   SOLE   2 0 0
MERCK & CO INC COMMON STOCK 58933Y105   112,739 1,256 SH   SOLE   1,256 0 0
MICROSOFT CORP COMMON STOCK 594918104   702,730 1,872 SH   SOLE   1,872 0 0
MICROCHIP TECHNOLOGY INC COMMON STOCK 595017104   1,791 37 SH   SOLE   37 0 0
MONDELEZ INTL INC COMMON STOCK 609207105   65,951 972 SH   SOLE   972 0 0
MORGAN STANLEY COMMON STOCK 617446448   42,001 360 SH   SOLE   360 0 0
MOTOROLA SOLUTIONS INC COMMON STOCK 620076307   211,900 484 SH   SOLE   484 0 0
NBT BANCORP INC COMMON STOCK 628778102   88,288 2,058 SH   SOLE   2,058 0 0
NATIONAL GRID PLC FOREIGN STOCK 636274409   18,370 280 SH   SOLE   280 0 0
NETFLIX INC COMMON STOCK 64110L106   10,258 11 SH   SOLE   11 0 0
NEWMONT GOLDCORP COMMON STOCK 651639106   12,022 249 SH   SOLE   249 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101   3,828 54 SH   SOLE   54 0 0
NIKE INC COMMON STOCK 654106103   983,940 15,500 SH   SOLE   15,500 0 0
NORDSON CORP COMMON STOCK 655663102   4,640 23 SH   SOLE   23 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108   140,689 594 SH   SOLE   594 0 0
NORTHROP GRUMMAN CORP COMMON STOCK 666807102   90,626 177 SH   SOLE   177 0 0
NORTHWEST BANCSHARES INC COMMON STOCK 667340103   24,040 2,000 SH   SOLE   2,000 0 0
NOVO NORDISK A S FOREIGN STOCK 670100205   7,430 107 SH   SOLE   107 0 0
NVIDIA CORP COMMON STOCK 67066G104   18,425 170 SH   SOLE   170 0 0
OCCIDENTAL PETROLEUM CORP COMMON STOCK 674599105   19,744 400 SH   SOLE   400 0 0
OCCIDENTAL PETROLEUM CORP COMMON STOCK 674599162   1,384 50 SH   SOLE   50 0 0
ORACLE CORP COMMON STOCK 68389X105   83,886 600 SH   SOLE   600 0 0
OTIS WORLDWIDE CORP GLBL COMMON STOCK 68902V107   77,400 750 SH   SOLE   750 0 0
PJT PARTNERS INC COMMON STOCK 69343T107   51,705 375 SH   SOLE   375 0 0
PNC FINANCIAL SERVICES GROUP COMMON STOCK 693475105   3,867 22 SH   SOLE   22 0 0
PACKAGING CORP AMERICA COMMON STOCK 695156109   1,584 8 SH   SOLE   8 0 0
PALO ALTO NETWORKS INC COMMON STOCK 697435105   4,778 28 SH   SOLE   28 0 0
PARKER HANNIFIN CORP COMMON STOCK 701094104   5,471 9 SH   SOLE   9 0 0
PAYCHEX INC COMMON STOCK 704326107   254,562 1,650 SH   SOLE   1,650 0 0
PEPSICO INC COMMON STOCK 713448108   24,890 166 SH   SOLE   166 0 0
PFIZER INC COMMON STOCK 717081103   236,929 9,350 SH   SOLE   9,350 0 0
PHILIP MORRIS INTERNATIONAL INC COMMON STOCK 718172109   142,857 900 SH   SOLE   900 0 0
POOL CORP COMMON STOCK 73278L105   5,412 17 SH   SOLE   17 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109   198,540 1,165 SH   SOLE   1,165 0 0
PROLOGIS INC COMMON STOCK 74340W103   1,565 14 SH   SOLE   14 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102   32,276 289 SH   SOLE   289 0 0
PUBLIC SERVICE ENTERPRISE GROUP COMMON STOCK 744573106   193,570 2,352 SH   SOLE   2,352 0 0
PUBLIC STORAGE COMMON STOCK 74460D109   1,496 5 SH   SOLE   5 0 0
QUALCOMM INC COMMON STOCK 747525103   6,452 42 SH   SOLE   42 0 0
RAYONIER INC COMMON STOCK 754907103   27,434 984 SH   SOLE   984 0 0
RTX CORPORATION COMMON STOCK 75513E101   177,231 1,338 SH   SOLE   1,338 0 0
REALTY INCOME CORP COMMON STOCK 756109104   92,816 1,600 SH   SOLE   1,600 0 0
RELX PLC SPONSORED ADR FOREIGN STOCK 759530108   6,553 130 SH   SOLE   130 0 0
RESIDEO TECHNOLOGIES INC COM COMMON STOCK 76118Y104   1,097 62 SH   SOLE   62 0 0
ROLLINS INC COMMON STOCK 775711104   6,213 115 SH   SOLE   115 0 0
ROYAL DUTCH SHELL PLC FOREIGN STOCK 780259305   291,948 3,984 SH   SOLE   3,984 0 0
S&P GLOBAL INC COMMON STOCK 78409V104   4,065 8 SH   SOLE   8 0 0
SPDR S&P 500 (MKT) MUTUAL FUND/STO 78462F103   1,249,678 2,234 SH   SOLE   2,234 0 0
SPDR GOLD SHARES (MKT) MUTUAL FUND/STO 78463V107   101,425 352 SH   SOLE   352 0 0
SPDR PORTFOLIO S&P 500 GROWTH MUTUAL FUND/STO 78464A409   50,138,104 623,841 SH   SOLE   623,841 0 0
SPDR PORTFOLIO S&P 500 GROWTH MUTUAL FUND/STO 78464A409   81,575 1,015 SH   OTR   1,015 0 0
SPDR BLOOMBERG BARCLAYS HIGH MUTUAL FUND/COR 78468R622   31,258 328 SH   SOLE   328 0 0
SAIA INC COMMON STOCK 78709Y105   3,844 11 SH   SOLE   11 0 0
SAP AKTIENGESELLSCHAFT FOREIGN STOCK 803054204   14,227 53 SH   SOLE   53 0 0
SCHWAB U.S. DIVIDEND EQUITY ETF MUTUAL FUND/STO 808524797   49,142,946 1,757,616 SH   SOLE   1,757,616 0 0
SCHWAB U.S. DIVIDEND EQUITY ETF MUTUAL FUND/STO 808524797   83,880 3,000 SH   OTR   3,000 0 0
SCOTTS MIRACLE-GRO CO COMMON STOCK 810186106   2,690 49 SH   SOLE   49 0 0
SHERWIN WILLIAMS CO COMMON STOCK 824348106   3,492 10 SH   SOLE   10 0 0
SHOPIFY INC FOREIGN STOCK 82509L107   2,387 25 SH   SOLE   25 0 0
SITEONE LANDSCAPE SUPPLY INC COM COMMON STOCK 82982L103   3,400 28 SH   SOLE   28 0 0
SMUCKER J M CO COMMON STOCK 832696405   59,205 500 SH   SOLE   500 0 0
SOLVENTUM CORP COMMON STOCK 83444M101   15,208 200 SH   SOLE   200 0 0
SONY CORP FOREIGN STOCK 835699307   1,091,770 43,000 SH   SOLE   43,000 0 0
SOUTH BOW CORP FOREIGN STOCK 83671M105   1,531 60 SH   SOLE   60 0 0
SOUTHERN CO COMMON STOCK 842587107   371,754 4,043 SH   SOLE   4,043 0 0
STANLEY BLACK & DECKER INC COMMON STOCK 854502101   99,944 1,300 SH   SOLE   1,300 0 0
STARBUCKS CORP COMMON STOCK 855244109   245,225 2,500 SH   SOLE   2,500 0 0
STEEL DYNAMICS INC COMMON STOCK 858119100   375,240 3,000 SH   SOLE   3,000 0 0
STMICROELECTRONICS NV-NY SHS FOREIGN STOCK 861012102   2,086 95 SH   SOLE   95 0 0
STRYKER CORP COMMON STOCK 863667101   450,423 1,210 SH   SOLE   1,210 0 0
SYSCO CORP COMMON STOCK 871829107   45,024 600 SH   SOLE   600 0 0
TFI INTL INC FOREIGN STOCK 87241L109   1,781 23 SH   SOLE   23 0 0
TJX COS INC NEW COMMON STOCK 872540109   74,176 609 SH   SOLE   609 0 0
TAIWAN SEMICONDUCTOR FOREIGN STOCK 874039100   9,462 57 SH   SOLE   57 0 0
TAKE-TWO INTERACTIVE SOFTWARE COMMON STOCK 874054109   16,580 80 SH   SOLE   80 0 0
TARGET CORP COMMON STOCK 87612E106   2,400 23 SH   SOLE   23 0 0
TC ENERGY CORP COM FOREIGN STOCK 87807B107   14,163 300 SH   SOLE   300 0 0
TEGNA INC COMMON STOCK 87901J105   123,040 6,753 SH   SOLE   6,753 0 0
TELEDYNE TECHNOLOGIES INC COMMON STOCK 879360105   4,479 9 SH   SOLE   9 0 0
TERADYNE INC COMMON STOCK 880770102   4,213 51 SH   SOLE   51 0 0
TESLA INC COMMON STOCK 88160R101   1,296 5 SH   SOLE   5 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104   92,546 515 SH   SOLE   515 0 0
THE ODP CORP COMMON STOCK 88337F105   1,304 91 SH   SOLE   91 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102   18,909 38 SH   SOLE   38 0 0
THOR INDUSTRIES INC COMMON STOCK 885160101   2,881 38 SH   SOLE   38 0 0
3M CO COMMON STOCK 88579Y101   117,488 800 SH   SOLE   800 0 0
TITAN INTERNATIONAL INC IL COMMON STOCK 88830M102   83,900 10,000 SH   SOLE   10,000 0 0
TOMPKINS FINANCIAL CORPORATION COMMON STOCK 890110109   154,994 2,461 SH   SOLE   2,461 0 0
TOPBUILD CORP COMMON STOCK 89055F103   284,213 932 SH   SOLE   932 0 0
TOTAL S A FOREIGN STOCK 89151E109   7,763 120 SH   SOLE   120 0 0
THE TRAVELERS COMPANIES INC COMMON STOCK 89417E109   26,446 100 SH   SOLE   100 0 0
UBER TECHNOLOGIES INC COMMON STOCK 90353T100   3,789 52 SH   SOLE   52 0 0
UNION PAC CORP COMMON STOCK 907818108   8,741 37 SH   SOLE   37 0 0
UNITED PARCEL SERVICE COMMON STOCK 911312106   32,998 300 SH   SOLE   300 0 0
UNITED STATES STEEL CORP NEW COMMON STOCK 912909108   1,268 30 SH   SOLE   30 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102   11,523 22 SH   SOLE   22 0 0
V F CORP COMMON STOCK 918204108   31,040 2,000 SH   SOLE   2,000 0 0
VALERO ENERGY CORP NEW COMMON STOCK 91913Y100   267,442 2,025 SH   SOLE   2,025 0 0
VANGUARD INTERMEDIATE-TERM BOND MUTUAL FUND/GOV 921937819   4,668,700 60,973 SH   SOLE   60,973 0 0
VANGUARD INTERMEDIATE-TERM BOND MUTUAL FUND/GOV 921937819   130,169 1,700 SH   OTR   1,700 0 0
VANGUARD SHORT-TERM BOND ETF MUTUAL FUND/COR 921937827   135,816 1,735 SH   SOLE   1,735 0 0
VANGUARD FTSE DEVELOPED MARKETS MUTUAL FUND/STO 921943858   65,263 1,284 SH   SOLE   1,284 0 0
VANGUARD HIGH DIVIDEND YIELD MUTUAL FUND/STO 921946406   128,960 1,000 SH   SOLE   1,000 0 0
VANGUARD INTERNATIONAL DIVIDEND MUTUAL FUND/STO 921946810   43,815,795 528,283 SH   SOLE   528,283 0 0
VANGUARD INTERNATIONAL DIVIDEND MUTUAL FUND/STO 921946810   16,588 200 SH   OTR   200 0 0
VANGUARD FTSE ALL-WORLD EX-US MUTUAL FUNDS GL 922042775   251,374 4,144 SH   SOLE   4,144 0 0
VANGUARD EMERGING MARKETS STOCK MUTUAL FUND/STO 922042858   1,058,136 23,379 SH   SOLE   23,379 0 0
VANGUARD EMERGING MARKETS STOCK MUTUAL FUND/STO 922042858   29,419 650 SH   OTR   650 0 0
VECTRUS INC COMMON STOCK 92242T101   1,079 22 SH   SOLE   22 0 0
VANGUARD S&P 500 ETF MUTUAL FUND/STO 922908363   249,759 486 SH   SOLE   486 0 0
VANGUARD REAL ESTATE ETF MUTUAL FUND/STO 922908553   45,814 506 SH   SOLE   506 0 0
VANGUARD MID-CAP ETF (MKT) MUTUAL FUND/STO 922908629   33,620 130 SH   SOLE   130 0 0
VANGUARD SMALL CAP ETF (MKT) MUTUAL FUND/STO 922908751   51,224 231 SH   SOLE   231 0 0
VANGUARD TOTAL STOCK MARKET ETF MUTUAL FUND/STO 922908769   827,269 3,010 SH   SOLE   3,010 0 0
VERIZON COMMUNICATIONS INC COMMON STOCK 92343V104   32,886 725 SH   SOLE   725 0 0
VIATRIS INC COMMON STOCK 92556V106   55,483 6,370 SH   SOLE   6,370 0 0
VISA INC COM CL A COMMON STOCK 92826C839   101,983 291 SH   SOLE   291 0 0
VODAFONE GROUP PLC FOREIGN STOCK 92857W308   216 23 SH   SOLE   23 0 0
VUZIX CORP COM COMMON STOCK 92921W300   3,060 1,500 SH   SOLE   1,500 0 0
W P CAREY INC COMMON STOCK 92936U109   25,244 400 SH   SOLE   400 0 0
WEC ENERGY GROUP INC COMMON STOCK 92939U106   2,507 23 SH   SOLE   23 0 0
WABTEC COMMON STOCK 929740108   15,777 87 SH   SOLE   87 0 0
WALMART INC COMMON STOCK 931142103   10,096 115 SH   SOLE   115 0 0
WALGREENS BOOTS ALLIANCE INC COMMON STOCK 931427108   88,243 7,900 SH   SOLE   7,900 0 0
WARNER BROS DISCOVERY INC COMMON STOCK 934423104   9,722 906 SH   SOLE   906 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109   70,379 304 SH   SOLE   304 0 0
WATSCO INC COMMON STOCK 942622200   7,116 14 SH   SOLE   14 0 0
WELLS FARGO & CO COMMON STOCK 949746101   233,318 3,250 SH   SOLE   3,250 0 0
WENDYS CO COMMON STOCK 95058W100   217,490 14,866 SH   SOLE   14,866 0 0
WEYERHAEUSER CO COMMON STOCK 962166104   222,059 7,584 SH   SOLE   7,584 0 0
WHIRLPOOL CORP COMMON STOCK 963320106   441,637 4,900 SH   SOLE   4,900 0 0
WISDOMTREE EM MKTS EX-STT OWND MUTUAL FUND/STO 97717X578   30,174,097 977,457 SH   SOLE   977,457 0 0
WORKDAY INC COMMON STOCK 98138H101   2,802 12 SH   SOLE   12 0 0
XEROX HOLDINGS CORP COMMON STOCK 98421M106   1,449 300 SH   SOLE   300 0 0
ZEBRA TECHNOLOGIES INC COMMON STOCK 989207105   5,086 18 SH   SOLE   18 0 0
ZIMMER BIOMET HLDGS INC COMMON STOCK 98956P102   11,318 100 SH   SOLE   100 0 0
ZURN ELKAY WATER SOLUTIONS CORP COMMON STOCK 98983L108   5,409 164 SH   SOLE   164 0 0
ALLEGION PUB LTD FOREIGN STOCK G0176J109   4,697 36 SH   SOLE   36 0 0
ACCENTURE PLC FOREIGN STOCK G1151C101   97,669 313 SH   SOLE   313 0 0
EATON CORP PLC FOREIGN STOCK G29183103   6,524 24 SH   SOLE   24 0 0
INTERNATIONAL GAME TECH COMMON STOCK G4863A108   48,780 3,000 SH   SOLE   3,000 0 0
LINDE PLC FOREIGN STOCK G54950103   283,575 609 SH   SOLE   609 0 0
MEDTRONIC PLC FOREIGN STOCK G5960L103   17,972 200 SH   SOLE   200 0 0
NORDIC AMERICAN TANKERS LIMITED FOREIGN STOCK G65773106   24,600 10,000 SH   SOLE   10,000 0 0
TRANE TECHNOLOGIES PLC FOREIGN STOCK G8994E103   3,369 10 SH   SOLE   10 0 0
ALCON INC FOREIGN STOCK H01301128   4,367 46 SH   SOLE   46 0 0
CHUBB LIMITED FOREIGN STOCK H1467J104   60,398 200 SH   SOLE   200 0 0
FERRARI N V FOREIGN STOCK N3167Y103   2,139 5 SH   SOLE   5 0 0