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
ABB LTD Sponsored ADR Com 000375204   13,892 405 SH   SOLE 0 405 0 0
Aflac Inc Com 001055102   453,705 7,032 SH   SOLE 0 7,032 0 0
AT&T Inc Com 00206R102   86,548 4,496 SH   SOLE 0 4,496 0 0
Abbott Labs Com 002824100   1,787,239 17,650 SH   SOLE 0 17,650 0 0
Abbott Labs Com 002824100   105,918 1,046 SH   DFND 0 1,046 0 0
Abbvie Inc Com 00287Y109   5,732,061 35,967 SH   SOLE 0 35,967 0 0
Abbvie Inc Com 00287Y109   187,897 1,179 SH   DFND 0 1,179 0 0
Activision Blizzard Inc Com 00507V109   126,245 1,475 SH   SOLE 0 1,475 0 0
Adobe Inc Com 00724F101   2,053,251 5,328 SH   SOLE 0 5,328 0 0
Adobe Inc Com 00724F101   6,551 17 SH   DFND 0 17 0 0
Airbnb Inc Com Com 009066101   64,315 517 SH   SOLE 0 517 0 0
Air Products & Chemicals Inc Com 009158106   1,588,846 5,532 SH   SOLE 0 5,532 0 0
Air Products & Chemicals Inc Com 009158106   52,272 182 SH   DFND 0 182 0 0
Alarm.com Holdings Inc Com 011642105   22,626 450 SH   SOLE 0 450 0 0
Align Technology Inc Com 016255101   147,356 441 SH   SOLE 0 441 0 0
AllianceBernstein Hldg LP LTD Com 01881G106   6,325 173 SH   SOLE 0 173 0 0
Allstate Corp Com 020002101   365,784 3,301 SH   SOLE 0 3,301 0 0
Alphabet Inc Cl C Com 02079K107   6,409,416 61,629 SH   SOLE 0 61,629 0 0
Alphabet Inc Cl C Com 02079K107   139,360 1,340 SH   DFND 0 1,340 0 0
Alphabet Inc Cl A Com 02079K305   4,224,508 40,726 SH   SOLE 0 40,726 0 0
Alphabet Inc Cl A Com 02079K305   66,387 640 SH   DFND 0 640 0 0
Altria Group Inc Com 02209S103   109,944 2,464 SH   SOLE 0 2,464 0 0
Amazon Inc Com 023135106   7,726,505 74,804 SH   SOLE 0 74,804 0 0
Amazon Inc Com 023135106   54,227 525 SH   DFND 0 525 0 0
Amerco Com 023586100   13,541 227 SH   SOLE 0 227 0 0
Ameren Corp Com 023608102   28,509 330 SH   SOLE 0 330 0 0
American Airlines Group Inc Com 02376R102   5,369 364 SH   SOLE 0 364 0 0
American Centy Etf Tr Com 025072752   90,980 1,769 SH   SOLE 0 1,769 0 0
American Express Co Com 025816109   82,475 500 SH   SOLE 0 500 0 0
American States Water Co Com 029899101   23,378 263 SH   DFND 0 263 0 0
American Tower Corp Com 03027X100   2,226,080 10,894 SH   SOLE 0 10,894 0 0
American Tower Corp Com 03027X100   19,412 95 SH   DFND 0 95 0 0
Ameriprise Financial Inc Com 03076C106   2,049,872 6,688 SH   SOLE 0 6,688 0 0
Ameriprise Financial Inc Com 03076C106   9,195 30 SH   DFND 0 30 0 0
Amgen Inc Com 031162100   1,121,478 4,639 SH   SOLE 0 4,639 0 0
Amgen Inc Com 031162100   24,175 100 SH   DFND 0 100 0 0
Amoskeag Industries Inc Com 031835101   1,700 17 SH   SOLE 0 17 0 0
Amphenol Corp Com 032095101   143,664 1,758 SH   SOLE 0 1,758 0 0
Analog Devices Inc Com 032654105   1,093,190 5,543 SH   SOLE 0 5,543 0 0
Anglogold Ashanti Ltd ADR Com 035128206   15,070 623 SH   SOLE 0 623 0 0
Elevance Health INC Com 036752103   29,888 65 SH   SOLE 0 65 0 0
Apple Inc Com 037833100   23,057,307 139,826 SH   SOLE 0 139,826 0 0
Apple Inc Com 037833100   448,528 2,720 SH   DFND 0 2,720 0 0
Archer Daniels Midland Com 039483102   6,771 85 SH   SOLE 0 85 0 0
Atmos Energy Corp Com 049560105   432,024 3,845 SH   SOLE 0 3,845 0 0
Atmos Energy Corp Com 049560105   30,899 275 SH   DFND 0 275 0 0
Automatic Data Processing Inc Com 053015103   2,412,196 10,835 SH   SOLE 0 10,835 0 0
Bank of America Corp Com 060505104   640,697 22,402 SH   SOLE 0 22,402 0 0
Bank of America Corp PFD Pfd Stk 06055H202   72,045 3,365 SH   SOLE 0 3,365 0 0
Bank of Nova Scotia Halifax Com 064149107   10,072 200 SH   DFND 0 200 0 0
Becton Dickinson & Co Com 075887109   192,586 778 SH   SOLE 0 778 0 0
Berkshire Hathaway Cl B Com 084670702   3,424,877 11,092 SH   SOLE 0 11,092 0 0
Berkshire Hathaway Cl B Com 084670702   182,174 590 SH   DFND 0 590 0 0
BHP Billiton LTD Com 088606108   70,068 1,105 SH   SOLE 0 1,105 0 0
Biogen Idec Com 09062X103   22,242 80 SH   DFND 0 80 0 0
Blackrock Inc Com 09247X101   477,752 714 SH   SOLE 0 714 0 0
Blackstone Inc Com 09260D107   87,840 1,000 SH   SOLE 0 1,000 0 0
Boeing Co Com 097023105   234,735 1,105 SH   SOLE 0 1,105 0 0
Bonanza Development Co. Com 097797104   103,869 101 SH   SOLE 0 101 0 0
Booking Hldgs Inc Com 09857L108   3,166,978 1,194 SH   SOLE 0 1,194 0 0
Booking Hldgs Inc Com 09857L108   13,262 5 SH   DFND 0 5 0 0
Boston Beer Co Com 100557107   73,958 225 SH   SOLE 0 225 0 0
Bristol-Meyers Squibb Co Com 110122108   880,861 12,709 SH   SOLE 0 12,709 0 0
British American Tobacco PLC ADR Com 110448107   184,450 5,252 SH   SOLE 0 5,252 0 0
Broadridge Financial Solutions Inc Com 11133T103   59,654 407 SH   SOLE 0 407 0 0
Broadcom Inc Com 11135F101   2,477,627 3,862 SH   SOLE 0 3,862 0 0
Brown Forman Corp Cl B Com 115637209   10,605 165 SH   SOLE 0 165 0 0
CME Group Inc Com 12572Q105   648,870 3,388 SH   SOLE 0 3,388 0 0
CSX Corp Com 126408103   147,365 4,922 SH   SOLE 0 4,922 0 0
CVS Health Corp Com 126650100   703,641 9,469 SH   SOLE 0 9,469 0 0
CVS Health Corp Com 126650100   71,338 960 SH   DFND 0 960 0 0
Canadian Pacific Railway Com 13645T100   108,716 1,413 SH   SOLE 0 1,413 0 0
Carnival Corp Com 143658300   1,015 100 SH   SOLE 0 100 0 0
Carrier Global Corporation Com 14448C104   263,795 5,766 SH   SOLE 0 5,766 0 0
Carrier Global Corporation Com 14448C104   11,438 250 SH   DFND 0 250 0 0
Casey's General Stores Inc Com 147528103   196,546 908 SH   SOLE 0 908 0 0
Caterpillar Inc Com 149123101   2,635,550 11,517 SH   SOLE 0 11,517 0 0
Caterpillar Inc Com 149123101   34,326 150 SH   DFND 0 150 0 0
Charles River Laboratories Com 159864107   115,441 572 SH   SOLE 0 572 0 0
Chevron Corp Com 166764100   2,321,277 14,227 SH   SOLE 0 14,227 0 0
Chipotle Mexican Grill Com 169656105   256,244 150 SH   SOLE 0 150 0 0
Church & Dwight Inc Com 171340102   202,901 2,295 SH   SOLE 0 2,295 0 0
Cisco Systems Inc Com 17275R102   3,925,958 75,102 SH   SOLE 0 75,102 0 0
Cintas Corp Com 172908105   236,892 512 SH   SOLE 0 512 0 0
Citigroup Inc Com 172967424   46,234 986 SH   SOLE 0 986 0 0
Clorox Corp Com 189054109   244,481 1,545 SH   SOLE 0 1,545 0 0
Coca Cola Co Com 191216100   1,149,354 18,529 SH   SOLE 0 18,529 0 0
Coca Cola Co Com 191216100   126,789 2,044 SH   DFND 0 2,044 0 0
Colgate-Palmolive Co Com 194162103   295,866 3,937 SH   SOLE 0 3,937 0 0
Colgate-Palmolive Co Com 194162103   70,265 935 SH   DFND 0 935 0 0
Comcast Corp New-Cl A Com 20030N101   184,091 4,856 SH   SOLE 0 4,856 0 0
Community Bk Sys Inc Com 203607106   70,337 1,340 SH   SOLE 0 1,340 0 0
Conagra Brands Inc Com 205887102   32,865 875 SH   SOLE 0 875 0 0
Conagra Brands Inc Com 205887102   16,940 451 SH   DFND 0 451 0 0
Connectone Bancorp Inc Pfd Warrant Com 20786W503   20,567 1,310 SH   SOLE 0 1,310 0 0
ConocoPhillips Com 20825C104   2,569,241 25,897 SH   SOLE 0 25,897 0 0
ConocoPhillips Com 20825C104   114,885 1,158 SH   DFND 0 1,158 0 0
Consolidated Edison Inc Com 209115104   170,484 1,782 SH   SOLE 0 1,782 0 0
Consolidated Edison Inc Com 209115104   76,536 800 SH   DFND 0 800 0 0
Constellation Brands Inc Com 21036P108   144,570 640 SH   SOLE 0 640 0 0
Copart Inc Com Com 217204106   134,099 1,783 SH   SOLE 0 1,783 0 0
Corteva Inc Com 22052L104   89,078 1,477 SH   SOLE 0 1,477 0 0
Corteva Inc Com 22052L104   14,595 242 SH   DFND 0 242 0 0
Costco Wholesale Corp New Com 22160K105   3,173,012 6,386 SH   SOLE 0 6,386 0 0
Curtiss Wright Corp Com 231561101   207,458 1,177 SH   SOLE 0 1,177 0 0
Danaher Corp Com 235851102   3,614,002 14,339 SH   SOLE 0 14,339 0 0
Datadog Inc. Com 23804L103   69,608 958 SH   SOLE 0 958 0 0
Deere & Co Com 244199105   1,592,065 3,856 SH   SOLE 0 3,856 0 0
Delta Airlines Inc New Com 247361702   10,476 300 SH   SOLE 0 300 0 0
Dentsply Sirona Inc Com 24906P109   160,734 4,092 SH   SOLE 0 4,092 0 0
Dexcom Inc Com 252131107   102,355 881 SH   SOLE 0 881 0 0
Diageo PLC ADR New Com 25243Q205   157,264 868 SH   SOLE 0 868 0 0
Digital Realty Trust Inc Com 253868103   518,880 5,278 SH   SOLE 0 5,278 0 0
Disney (Walt) Com 254687106   2,807,745 28,041 SH   SOLE 0 28,041 0 0
Disney (Walt) Com 254687106   65,285 652 SH   DFND 0 652 0 0
Dominion Resources Inc Com 25746U109   348,599 6,235 SH   SOLE 0 6,235 0 0
Dover Corp Com 260003108   743,746 4,895 SH   SOLE 0 4,895 0 0
Dover Corp Com 260003108   17,625 116 SH   DFND 0 116 0 0
Dow Inc Com 260557103   2,095,001 38,216 SH   SOLE 0 38,216 0 0
Dow Inc Com 260557103   17,378 317 SH   DFND 0 317 0 0
Duke Energy Corp New Com 26441C204   284,972 2,954 SH   SOLE 0 2,954 0 0
Duke Energy Corp New Com 26441C204   11,962 124 SH   DFND 0 124 0 0
Ess Tech Inc Com 26916J106   1,390 1,000 SH   SOLE 0 1,000 0 0
eBay Inc Com 278642103   16,195 365 SH   SOLE 0 365 0 0
EcoLab Inc Com 278865100   2,416,904 14,601 SH   SOLE 0 14,601 0 0
EcoLab Inc Com 278865100   6,621 40 SH   DFND 0 40 0 0
Edwards Lifesciences Corp Com 28176E108   141,716 1,713 SH   SOLE 0 1,713 0 0
Emerson Electric Co Com 291011104   725,528 8,326 SH   SOLE 0 8,326 0 0
Emerson Electric Co Com 291011104   53,591 615 SH   DFND 0 615 0 0
Enbridge Inc ADR Com 29250N105   967,560 25,362 SH   SOLE 0 25,362 0 0
Enbridge Inc ADR Com 29250N105   30,520 800 SH   DFND 0 800 0 0
Energy Transfer Partners LP Com 29273V100   77,850 6,243 SH   SOLE 0 6,243 0 0
Entergy Corp New Com 29364G103   185,744 1,724 SH   SOLE 0 1,724 0 0
Eversource Energy Com 30040W108   25,278 323 SH   SOLE 0 323 0 0
Exelon Corp Com 30161N101   17,678 422 SH   DFND 0 422 0 0
Expeditors Intl WA Inc Com 302130109   27,530 250 SH   DFND 0 250 0 0
Exxon Mobil Corp Com 30231G102   5,244,709 47,827 SH   SOLE 0 47,827 0 0
Exxon Mobil Corp Com 30231G102   109,331 997 SH   DFND 0 997 0 0
Meta Platforms Inc Cl A Com 30303M102   2,155,006 10,168 SH   SOLE 0 10,168 0 0
Meta Platforms Inc Cl A Com 30303M102   48,322 228 SH   DFND 0 228 0 0
Fastenal Co Com 311900104   35,061 650 SH   DFND 0 650 0 0
Fedex Corp Com 31428X106   475,488 2,081 SH   SOLE 0 2,081 0 0
Fedex Corp Com 31428X106   39,529 173 SH   DFND 0 173 0 0
F5, Inc Com 315616102   14,569 100 SH   DFND 0 100 0 0
Fidelity National Info Svc Com 31620M106   44,279 815 SH   SOLE 0 815 0 0
Fifth Third Bancorp Com 316773100   268,531 10,080 SH   SOLE 0 10,080 0 0
First Trust NASDAQ Cybersecurity ETF Com 33734X846   37,193 870 SH   SOLE 0 870 0 0
Fiserv Inc Com 337738108   20,911 185 SH   SOLE 0 185 0 0
Ford Motor Corp PFD Pfd Stk 345370845   35,887 1,463 SH   SOLE 0 1,463 0 0
Ford Motor Co Com 345370860   1,237,219 98,192 SH   SOLE 0 98,192 0 0
Ford Motor Co Com 345370860   6,300 500 SH   DFND 0 500 0 0
Forrester Research Inc Com 346563109   10,676 330 SH   SOLE 0 330 0 0
Fortive Corp Com 34959J108   894,390 13,120 SH   SOLE 0 13,120 0 0
Fortune Brands HM & SEC Com 34964C106   29,365 500 SH   SOLE 0 500 0 0
Fox Corp. Cl A Com 35137L105   193,642 5,687 SH   SOLE 0 5,687 0 0
Freeport-McMoRan Cooper & Gold Inc. Com 35671D857   12,764 312 SH   SOLE 0 312 0 0
General Dynamics Corp Com 369550108   75,309 330 SH   SOLE 0 330 0 0
General Mills Inc Com 370334104   286,291 3,350 SH   SOLE 0 3,350 0 0
General Mills Inc Com 370334104   32,475 380 SH   DFND 0 380 0 0
Genuine Parts Co Com 372460105   41,828 250 SH   DFND 0 250 0 0
Gilead Sciences Inc Com 375558103   32,358 390 SH   SOLE 0 390 0 0
Gilead Sciences Inc Com 375558103   14,935 180 SH   DFND 0 180 0 0
GSK Plc ADR Com 37733W204   149,472 4,201 SH   SOLE 0 4,201 0 0
W W Grainger Inc Com 384802104   68,881 100 SH   DFND 0 100 0 0
Group 1 Automotive Inc Com 398905109   38,944 172 SH   SOLE 0 172 0 0
Guidewire Software Inc Com 40171V100   24,615 300 SH   DFND 0 300 0 0
HP Inc Com 40434L105   53,564 1,825 SH   SOLE 0 1,825 0 0
Hanesbrands Inc Com 410345102   1,052 200 SH   DFND 0 200 0 0
Hargreaves Lansdown PLC Com 412544108   11,960 605 SH   DFND 0 605 0 0
Hasbro Inc Com 418056107   161,983 3,017 SH   SOLE 0 3,017 0 0
Healthsonix Inc Com 42226Q102   0 3,000 SH   SOLE 0 3,000 0 0
Hershey Co Com 427866108   227,697 895 SH   SOLE 0 895 0 0
Hess Corp Com 42809H107   19,189 145 SH   SOLE 0 145 0 0
Hess Corp Com 42809H107   13,234 100 SH   DFND 0 100 0 0
Hewlett Packard Enterprise Co Com 42824C109   27,479 1,725 SH   SOLE 0 1,725 0 0
The Home Depot Inc Com 437076102   5,095,837 17,267 SH   SOLE 0 17,267 0 0
The Home Depot Inc Com 437076102   45,153 153 SH   DFND 0 153 0 0
Honeywell Intl Inc Com 438516106   2,486,853 13,012 SH   SOLE 0 13,012 0 0
Honeywell Intl Inc Com 438516106   25,228 132 SH   DFND 0 132 0 0
Hormel Foods Corp Com 440452100   167,376 4,197 SH   SOLE 0 4,197 0 0
Huntington BancShares Inc Com 446150104   405,597 36,214 SH   SOLE 0 36,214 0 0
Idexx Labs Inc Com 45168D104   3,518,063 7,035 SH   SOLE 0 7,035 0 0
Illinois Tool Works Inc Com 452308109   1,235,022 5,073 SH   SOLE 0 5,073 0 0
Illinois Tool Works Inc Com 452308109   31,649 130 SH   DFND 0 130 0 0
Illumina Inc Com 452327109   23,255 100 SH   SOLE 0 100 0 0
Intel Corp Com 458140100   798,814 24,451 SH   SOLE 0 24,451 0 0
Intel Corp Com 458140100   16,335 500 SH   DFND 0 500 0 0
Intercontinential Exch Inc Com 45866F104   166,655 1,598 SH   SOLE 0 1,598 0 0
Intl Business Machines Com 459200101   473,366 3,611 SH   SOLE 0 3,611 0 0
Intl Business Machines Com 459200101   32,773 250 SH   DFND 0 250 0 0
International Flavors & Frag Com 459506101   133,894 1,456 SH   SOLE 0 1,456 0 0
International Flavors & Frag Com 459506101   3,311 36 SH   DFND 0 36 0 0
International Paper Co Com 460146103   97,362 2,700 SH   SOLE 0 2,700 0 0
Intuit Com 461202103   576,904 1,294 SH   SOLE 0 1,294 0 0
Intuitive Surgical Com 46120E602   232,989 912 SH   SOLE 0 912 0 0
Intuitive Surgical Com 46120E602   25,547 100 SH   DFND 0 100 0 0
Invesco Exchange Traded Fund Com 46138G508   9,152 440 SH   SOLE 0 440 0 0
Invesco Global Clean Energy ETF Com 46138G847   15,174 770 SH   SOLE 0 770 0 0
Irobot Corporation Com 462726100   21,820 500 SH   SOLE 0 500 0 0
Ishares Gold Trust Com 464285204   50,337 1,347 SH   SOLE 0 1,347 0 0
iShares Barclays Tips Bond Fund Com 464287176   23,594 214 SH   SOLE 0 214 0 0
iShares Trust MSCI Emerging Markets Com 464287234   256,648 6,504 SH   SOLE 0 6,504 0 0
iShares Russell Mid Cap Com 464287499   132,848 1,900 SH   SOLE 0 1,900 0 0
iShares S&P 400 Midcap Index Com 464287507   7,919,815 31,659 SH   SOLE 0 31,659 0 0
iShares S&P 400 Midcap Index Com 464287507   62,540 250 SH   DFND 0 250 0 0
Russell 2000 Growth Index Com 464287648   68,046 300 SH   SOLE 0 300 0 0
iShares Trust Russell 2000 Index Com 464287655   60,299 338 SH   SOLE 0 338 0 0
iShares Tr S & P Midcap 400 Value Fund Com 464287705   23,432 228 SH   SOLE 0 228 0 0
iShares Trust S&P Sm Cap 600 Indx Com 464287804   3,463,601 35,818 SH   SOLE 0 35,818 0 0
iShares Trust S&P Sm Cap 600 Indx Com 464287804   19,340 200 SH   DFND 0 200 0 0
iShares MSCI Kld 400 Social Com 464288570   7,175 92 SH   SOLE 0 92 0 0
MFC iShares US Preferred Com 464288687   56,165 1,799 SH   SOLE 0 1,799 0 0
iShares MSCI USA ESG Select Com 464288802   9,040 103 SH   SOLE 0 103 0 0
iShares High Dividend Com 46429B663   17,689 174 SH   SOLE 0 174 0 0
iShares USA Min Vol ETF Com 46429B697   467,209 6,423 SH   SOLE 0 6,423 0 0
Ishs Edge MSCI USA Momentum Factor ETF Com 46432F396   152,249 1,095 SH   SOLE 0 1,095 0 0
iShares Trust Core MSCI EAFE Com 46432F842   1,101,955 16,484 SH   SOLE 0 16,484 0 0
iShares Trust Core MSCI EAFE Com 46432F842   10,897 163 SH   DFND 0 163 0 0
iShares Core MSCI Emerging Mkts Com 46434G103   2,580,991 52,900 SH   SOLE 0 52,900 0 0
iShares Core MSCI Emerging Mkts Com 46434G103   29,908 613 SH   DFND 0 613 0 0
J P Morgan Chase & Co Com 46625H100   4,866,297 37,344 SH   SOLE 0 37,344 0 0
J P Morgan Chase & Co Com 46625H100   32,578 250 SH   DFND 0 250 0 0
Johnson & Johnson Com 478160104   3,575,385 23,067 SH   SOLE 0 23,067 0 0
Johnson & Johnson Com 478160104   158,255 1,021 SH   DFND 0 1,021 0 0
Keycorp New Com 493267108   798,688 63,793 SH   SOLE 0 63,793 0 0
Keycorp New Com 493267108   4,570 365 SH   DFND 0 365 0 0
Keycorp PFD Pfd Stk 493267868   34,043 1,530 SH   SOLE 0 1,530 0 0
Kimberly Clark Corp Com 494368103   258,374 1,925 SH   SOLE 0 1,925 0 0
Kimberly Clark Corp Com 494368103   35,166 262 SH   DFND 0 262 0 0
Kraft Heinz Co Com 500754106   8,353 216 SH   SOLE 0 216 0 0
LKQ Corp Com 501889208   240,435 4,236 SH   SOLE 0 4,236 0 0
Laboratory Corp. Amer Hldgs Com 50540R409   150,041 654 SH   SOLE 0 654 0 0
Lam Research Corp Com 512807108   143,663 271 SH   SOLE 0 271 0 0
Lamb Weston Holdings Inc Com 513272104   15,678 150 SH   DFND 0 150 0 0
Estee Lauder Cosmetics Inc Com 518439104   112,632 457 SH   SOLE 0 457 0 0
Eli Lilly & Co Com 532457108   193,689 564 SH   SOLE 0 564 0 0
Lockheed Martin Corp Com 539830109   1,649,355 3,489 SH   SOLE 0 3,489 0 0
Lord Abbett Short Duration Income I Com 543916688   32,030 8,319 SH   SOLE 0 8,319 0 0
Lowe's Companies Inc Com 548661107   809,279 4,047 SH   SOLE 0 4,047 0 0
Lowe's Companies Inc Com 548661107   26,996 135 SH   DFND 0 135 0 0
Lululemon Athletica Inc Com 550021109   162,793 447 SH   SOLE 0 447 0 0
M&T Bank Corp Com 55261F104   1,296,019 10,839 SH   SOLE 0 10,839 0 0
Mge Energy Inc Com 55277P104   29,670 382 SH   DFND 0 382 0 0
MSCI Inc Com 55354G100   132,647 237 SH   SOLE 0 237 0 0
Manhattan Assoc Com 562750109   30,970 200 SH   DFND 0 200 0 0
Manulife Financial Corp ADR Com 56501R106   2,185 119 SH   SOLE 0 119 0 0
Marathon Petroleum Corp Com 56585A102   80,898 600 SH   SOLE 0 600 0 0
Marathon Petroleum Corp Com 56585A102   91,145 676 SH   DFND 0 676 0 0
Marsh & McLennan Co Inc Com 571748102   296,126 1,778 SH   SOLE 0 1,778 0 0
Marriott International Inc Cl A Com 571903202   10,128 61 SH   SOLE 0 61 0 0
Masimo Corp Com 574795100   7,566 41 SH   SOLE 0 41 0 0
Mastercard Inc Com 57636Q104   2,542,053 6,995 SH   SOLE 0 6,995 0 0
Mastercard Inc Com 57636Q104   105,389 290 SH   DFND 0 290 0 0
Materion Corp Com 576690101   23,200 200 SH   SOLE 0 200 0 0
McCormick & Co Com 579780206   491,938 5,912 SH   SOLE 0 5,912 0 0
McDonald's Corp Com 580135101   5,959,887 21,315 SH   SOLE 0 21,315 0 0
McDonald's Corp Com 580135101   104,854 375 SH   DFND 0 375 0 0
Merck & Co Inc New Com 58933Y105   5,380,781 50,576 SH   SOLE 0 50,576 0 0
Merck & Co Inc New Com 58933Y105   42,556 400 SH   DFND 0 400 0 0
MetLife Inc Com 59156R108   19,989 345 SH   SOLE 0 345 0 0
Microsoft Corp Com 594918104   17,898,529 62,083 SH   SOLE 0 62,083 0 0
Microsoft Corp Com 594918104   361,817 1,255 SH   DFND 0 1,255 0 0
Middleby Corp Com 596278101   100,428 685 SH   SOLE 0 685 0 0
Middlesex Water Co Com 596680108   36,248 464 SH   SOLE 0 464 0 0
Mondelez Intl Inc Com 609207105   735,058 10,543 SH   SOLE 0 10,543 0 0
Mondelez Intl Inc Com 609207105   24,541 352 SH   DFND 0 352 0 0
Monolithic Pwr Sys Inc Com 609839105   211,228 422 SH   SOLE 0 422 0 0
Morgan Stanley PFD Ser E Pfd Stk 61762V200   46,189 1,830 SH   SOLE 0 1,830 0 0
Motorola Solutions Inc Com 620076307   24,321 85 SH   SOLE 0 85 0 0
National Fuel Gas Co Com 636180101   47,000 814 SH   SOLE 0 814 0 0
Nestle SA ADR Com 641069406   165,930 1,360 SH   SOLE 0 1,360 0 0
Nestle SA ADR Com 641069406   36,602 300 SH   DFND 0 300 0 0
Netflix Inc Com 64110L106   140,610 407 SH   SOLE 0 407 0 0
Netflix Inc Com 64110L106   3,455 10 SH   DFND 0 10 0 0
American New World Fd Cl F2 Com 649280823   55,484 786 SH   SOLE 0 786 0 0
New York Times Co Cl A Com 650111107   19,440 500 SH   SOLE 0 500 0 0
Nextera Energy Inc Com 65339F101   2,286,887 29,669 SH   SOLE 0 29,669 0 0
Nextera Energy Inc Com 65339F101   165,260 2,144 SH   DFND 0 2,144 0 0
Nike Inc CL B Com 654106103   1,315,682 10,728 SH   SOLE 0 10,728 0 0
Nike Inc CL B Com 654106103   65,612 535 SH   DFND 0 535 0 0
NiSource Inc Com 65473P105   21,501 769 SH   SOLE 0 769 0 0
Norfolk Southern Corp Com 655844108   1,167,060 5,505 SH   SOLE 0 5,505 0 0
Norfolk Southern Corp Com 655844108   91,160 430 SH   DFND 0 430 0 0
Northrop Grumman Corp Com 666807102   1,947,073 4,217 SH   SOLE 0 4,217 0 0
Novartis AG ADR Com 66987V109   997,188 10,839 SH   SOLE 0 10,839 0 0
Novartis AG ADR Com 66987V109   46,000 500 SH   DFND 0 500 0 0
Novation Co Inc Com 66989V107   0 25 SH   SOLE 0 25 0 0
Novo-Nordisk ADR Com 670100205   119,355 750 SH   SOLE 0 750 0 0
Novo-Nordisk ADR Com 670100205   71,613 450 SH   DFND 0 450 0 0
Nvidia Corp Com 67066G104   3,783,227 13,620 SH   SOLE 0 13,620 0 0
Nvidia Corp Com 67066G104   10,555 38 SH   DFND 0 38 0 0
OTC Mkts Group Inc Com 67106F108   42,375 750 SH   DFND 0 750 0 0
Okta Inc Com 679295105   3,450 40 SH   SOLE 0 40 0 0
Old Dominion Freight Lines Com 679580100   146,902 431 SH   SOLE 0 431 0 0
Oracle Corp Com 68389X105   135,199 1,455 SH   SOLE 0 1,455 0 0
Otis Worldwide Corp Com 68902V107   46,420 550 SH   SOLE 0 550 0 0
PC Connection Inc Com 69318J100   6,744 150 SH   SOLE 0 150 0 0
PNC Finl Svcs Group Com 693475105   1,538,927 12,108 SH   SOLE 0 12,108 0 0
PNC Finl Svcs Group Com 693475105   6,991 55 SH   DFND 0 55 0 0
PPG Industries Inc Com 693506107   64,118 480 SH   SOLE 0 480 0 0
Palo Alto Networks Com 697435105   422,650 2,116 SH   SOLE 0 2,116 0 0
Paychex Inc Com 704326107   369,094 3,221 SH   SOLE 0 3,221 0 0
Paychex Inc Com 704326107   57,295 500 SH   DFND 0 500 0 0
PayPal Holdings Inc Com 70450Y103   1,846,861 24,320 SH   SOLE 0 24,320 0 0
PayPal Holdings Inc Com 70450Y103   3,417 45 SH   DFND 0 45 0 0
Pepsico Inc Com 713448108   6,415,319 35,191 SH   SOLE 0 35,191 0 0
Pepsico Inc Com 713448108   84,223 462 SH   DFND 0 462 0 0
Pfizer Inc Com 717081103   2,113,807 51,809 SH   SOLE 0 51,809 0 0
Pfizer Inc Com 717081103   67,238 1,648 SH   DFND 0 1,648 0 0
Philip Morris Intl Inc Com 718172109   774,207 7,961 SH   SOLE 0 7,961 0 0
Pinnacle West Capital Com 723484101   332,095 4,191 SH   SOLE 0 4,191 0 0
T Rowe Price Group Inc Com 74144T108   35,564 315 SH   SOLE 0 315 0 0
T Rowe Price Group Inc Com 74144T108   19,193 170 SH   DFND 0 170 0 0
Procter & Gamble Co Com 742718109   5,107,799 34,352 SH   SOLE 0 34,352 0 0
Procter & Gamble Co Com 742718109   301,989 2,031 SH   DFND 0 2,031 0 0
Progressive Corp Com 743315103   211,872 1,481 SH   SOLE 0 1,481 0 0
ProLogis Inc Com 74340W103   277,364 2,223 SH   SOLE 0 2,223 0 0
Prudential Financial Inc Com 744320102   360,333 4,355 SH   SOLE 0 4,355 0 0
Public Svc Enterprise Grp Inc Com 744573106   37,657 603 SH   DFND 0 603 0 0
Public Storage Inc Com 74460D109   12,086 40 SH   SOLE 0 40 0 0
Qualcomm Inc Com 747525103   3,119,586 24,452 SH   SOLE 0 24,452 0 0
Qualcomm Inc Com 747525103   51,032 400 SH   DFND 0 400 0 0
Quest Diagnostics Inc Com 74834L100   434,344 3,070 SH   SOLE 0 3,070 0 0
Raytheon Technologies Corp Com 75513E101   3,847,474 39,288 SH   SOLE 0 39,288 0 0
Raytheon Technologies Corp Com 75513E101   47,692 487 SH   DFND 0 487 0 0
Realty Income Corp Com 756109104   290,829 4,593 SH   SOLE 0 4,593 0 0
Regions Financial Corp Com 7591EP100   126,189 6,799 SH   SOLE 0 6,799 0 0
Resmed Inc Com 761152107   21,899 100 SH   SOLE 0 100 0 0
Rivian Automotive Inc Com 76954A103   7,740 500 SH   SOLE 0 500 0 0
Roche Holding Ltd Adr Com 771195104   236,799 6,632 SH   SOLE 0 6,632 0 0
Roche Holding Ltd Adr Com 771195104   33,920 950 SH   DFND 0 950 0 0
Rockwell Automation Inc Com 773903109   29,345 100 SH   DFND 0 100 0 0
Roper Technologies Inc Com 776696106   6,610 15 SH   SOLE 0 15 0 0
Royce Value Trust Inc Com 780910105   25,647 1,890 SH   DFND 0 1,890 0 0
Royce Micro Cap TR Inc Com 780915104   24,337 2,775 SH   DFND 0 2,775 0 0
S&P Global Inc Com 78409V104   367,180 1,065 SH   SOLE 0 1,065 0 0
S&P Global Inc Com 78409V104   137,908 400 SH   DFND 0 400 0 0
SEI Investments Co Com 784117103   17,265 300 SH   DFND 0 300 0 0
SPDR ICE Preferred Sec ETF Com 78464A292   2,544,555 74,928 SH   SOLE 0 74,928 0 0
SPDR ICE Preferred Sec ETF Com 78464A292   34,401 1,013 SH   DFND 0 1,013 0 0
SPDR S&P 600 SmallCap Val Com 78464A300   18,838,705 247,292 SH   SOLE 0 247,292 0 0
SPDR S&P 600 SmallCap Val Com 78464A300   36,186 475 SH   DFND 0 475 0 0
SPDR Portfolio Short Term Corp ETF Com 78464A474   1,096 37 SH   SOLE 0 37 0 0
SPDR DJ Wilshire REIT Com 78464A607   66,763 752 SH   SOLE 0 752 0 0
SPDR S&P Dividend Com 78464A763   238,760 1,930 SH   SOLE 0 1,930 0 0
SPDR S&P Biotech Com 78464A870   9,831 129 SH   SOLE 0 129 0 0
SSGA Blackstone Senior Loan ETF Com 78467V608   8,541 206 SH   SOLE 0 206 0 0
SPDR S&P Midcap 400 Com 78467Y107   513,419 1,120 SH   SOLE 0 1,120 0 0
Salesforce.com Inc Com 79466L302   2,938,764 14,710 SH   SOLE 0 14,710 0 0
Salesforce.com Inc Com 79466L302   2,997 15 SH   DFND 0 15 0 0
Sanofi-Aventis SA ADR Com 80105N105   27,210 500 SH   SOLE 0 500 0 0
Schlumberger Ltd ADR Com 806857108   249,183 5,075 SH   SOLE 0 5,075 0 0
Charles Schwab Corp Com 808513105   271,224 5,178 SH   SOLE 0 5,178 0 0
Schwab US Large Cap Growth ETF Com 808524300   494,314 7,585 SH   SOLE 0 7,585 0 0
Schwab US Large Cap Value ETF Com 808524409   378,134 5,766 SH   SOLE 0 5,766 0 0
Schwab Strategic Tr Com 808524797   163,220 2,231 SH   SOLE 0 2,231 0 0
SPDR Consumer Discretionary Com 81369Y407   14,057 94 SH   SOLE 0 94 0 0
Financial Select Sector SPDR Com 81369Y605   4,501 140 SH   SOLE 0 140 0 0
Select Sector TR Technology LC Com 81369Y803   70,824 469 SH   SOLE 0 469 0 0
Select Sector Spdr Tr Communication Com 81369Y852   9,333 161 SH   SOLE 0 161 0 0
Sempra Energy Com 816851109   5,291 35 SH   SOLE 0 35 0 0
Sempra Energy Com 816851109   30,837 204 SH   DFND 0 204 0 0
Service Now Inc Com 81762P102   278,367 599 SH   SOLE 0 599 0 0
Sherwin Williams Com 824348106   2,033,719 9,048 SH   SOLE 0 9,048 0 0
Simulations Plus Inc Com 829214105   17,576 400 SH   DFND 0 400 0 0
Singapore Exchange Com 82929W105   18,559 175 SH   DFND 0 175 0 0
Skyworks Solutions Inc Com 83088M102   27,725 235 SH   DFND 0 235 0 0
JM Smucker Co Com 832696405   45,165 287 SH   DFND 0 287 0 0
Snap Inc Com 83304A106   471 42 SH   SOLE 0 42 0 0
SoftBank Corp ADR Com 83404D109   5,840 300 SH   SOLE 0 300 0 0
Southern Co Com 842587107   218,760 3,144 SH   SOLE 0 3,144 0 0
Southern Co Com 842587107   21,987 316 SH   DFND 0 316 0 0
Southwest Airlines Co Com 844741108   9,599 295 SH   SOLE 0 295 0 0
Splunk Inc Com 848637104   5,561 58 SH   SOLE 0 58 0 0
Block Inc Com 852234103   67,277 980 SH   SOLE 0 980 0 0
Starbucks Corp Com 855244109   3,288,217 31,578 SH   SOLE 0 31,578 0 0
Starbucks Corp Com 855244109   110,170 1,058 SH   DFND 0 1,058 0 0
State Street Corp Com 857477103   11,354 150 SH   SOLE 0 150 0 0
State Street Corp Com 857477103   22,707 300 SH   DFND 0 300 0 0
Stryker Corp Com 863667101   468,456 1,641 SH   SOLE 0 1,641 0 0
Suncoke Energy Inc Com 86722A103   27,838 3,100 SH   SOLE 0 3,100 0 0
Suzano SA ADR Com 86959K105   821 100 SH   SOLE 0 100 0 0
Synopsys Inc Com 871607107   203,940 528 SH   SOLE 0 528 0 0
Sysco Corp Com 871829107   250,148 3,239 SH   SOLE 0 3,239 0 0
TJX Companies Com 872540109   30,952 395 SH   SOLE 0 395 0 0
Target Corp Com 87612E106   922,725 5,571 SH   SOLE 0 5,571 0 0
TC Energy Corp ADR Com 87807B107   307,700 7,908 SH   SOLE 0 7,908 0 0
Tesla Inc Com 88160R101   2,649,679 12,772 SH   SOLE 0 12,772 0 0
Tesla Inc Com 88160R101   13,070 63 SH   DFND 0 63 0 0
Tetra Tech Inc New Com 88162G103   384,610 2,618 SH   SOLE 0 2,618 0 0
Texas Instruments Inc Com 882508104   148,808 800 SH   SOLE 0 800 0 0
The Trade Desk Inc Com 88339J105   118,714 1,949 SH   SOLE 0 1,949 0 0
Thermo Fisher Scientific Inc Com 883556102   3,688,192 6,399 SH   SOLE 0 6,399 0 0
3M Company Com 88579Y101   805,458 7,663 SH   SOLE 0 7,663 0 0
3M Company Com 88579Y101   44,146 420 SH   DFND 0 420 0 0
Toronto-Dominion Bank Com 891160509   160,472 2,679 SH   SOLE 0 2,679 0 0
TotalEnergies SE ADR Com 89151E109   4,901 83 SH   SOLE 0 83 0 0
The Travelers Co Inc Com 89417E109   230,375 1,344 SH   SOLE 0 1,344 0 0
Truist Finl Corp Com 89832Q109   417,145 12,233 SH   SOLE 0 12,233 0 0
US Bancorp Dep Shs Pfd Stk 902973155   92,564 4,859 SH   SOLE 0 4,859 0 0
US Bancorp Com 902973304   356,426 9,887 SH   SOLE 0 9,887 0 0
US Bancorp Com 902973304   29,741 825 SH   DFND 0 825 0 0
Unilever PLC ADR Com 904767704   28,302 545 SH   SOLE 0 545 0 0
Union Pacific Corp Com 907818108   3,964,419 19,698 SH   SOLE 0 19,698 0 0
Union Pacific Corp Com 907818108   5,032 25 SH   DFND 0 25 0 0
United Parcel Service Com 911312106   463,054 2,387 SH   SOLE 0 2,387 0 0
United Parcel Service Com 911312106   14,549 75 SH   DFND 0 75 0 0
United Health Group Inc Com 91324P102   3,717,393 7,866 SH   SOLE 0 7,866 0 0
Unitil Corporation Com 913259107   368,992 6,469 SH   SOLE 0 6,469 0 0
Unitil Corporation Com 913259107   17,968 315 SH   DFND 0 315 0 0
V F Corp Com 918204108   6,873 300 SH   SOLE 0 300 0 0
Valero Energy Corp Com 91913Y100   17,450 125 SH   SOLE 0 125 0 0
Vaneck Vectors Gold Miners ETF Com 92189F106   80,875 2,500 SH   SOLE 0 2,500 0 0
Vanguard Divd Apprec Index Fund Com 921908844   59,602 387 SH   SOLE 0 387 0 0
Vanguard Intermediate-Term Bond ETF Com 921937819   3,118,867 40,642 SH   SOLE 0 40,642 0 0
Vanguard Short Term Bond ETF Com 921937827   41,993 549 SH   SOLE 0 549 0 0
Vanguard FTSE Developed Mkt Com 921943858   4,801,887 106,307 SH   SOLE 0 106,307 0 0
Vanguard FTSE Developed Mkt Com 921943858   116,674 2,583 SH   DFND 0 2,583 0 0
Vanguard Emerg Mkts Govt Com 921946885   20,562 330 SH   DFND 0 330 0 0
Vanguard Short Term Inflation Prot Sec ETF Com 922020805   4,065 85 SH   SOLE 0 85 0 0
Vanguard Info Tech ETF Com 92204A702   158,814 412 SH   SOLE 0 412 0 0
Vanguard Short Term Govt Fund Com 92206C102   23,884 408 SH   DFND 0 408 0 0
Vanguard Short Term ETF Corp Bond Com 92206C409   9,529 125 SH   DFND 0 125 0 0
Vanguard Intermediate-Term Govt Bond Com 92206C706   23,384 390 SH   DFND 0 390 0 0
Vanguard Mortgage Backed Sec Com 92206C771   21,879 470 SH   DFND 0 470 0 0
Veeva Systems Inc Com 922475108   40,434 220 SH   DFND 0 220 0 0
MFC Vanguard Muni bond Fund Com 922907746   19,757 390 SH   SOLE 0 390 0 0
Vanguard Index Fds S&P ETF Com 922908363   637,439 1,695 SH   SOLE 0 1,695 0 0
Vanguard Mid Cap Value Com 922908512   117,311 875 SH   SOLE 0 875 0 0
Vanguard Index Mid Cap Growth Com 922908538   233,868 1,200 SH   SOLE 0 1,200 0 0
Vanguard REIT ETF Com 922908553   9,586,968 115,450 SH   SOLE 0 115,450 0 0
Vanguard REIT ETF Com 922908553   96,659 1,164 SH   DFND 0 1,164 0 0
Vanguard Index Fds Sm Cap Com 922908611   134,311 846 SH   SOLE 0 846 0 0
Vanguard Index Fds Sm Cap Com 922908611   50,803 320 SH   DFND 0 320 0 0
Vanguard Mid Cap ETF Com 922908629   29,782,537 141,203 SH   SOLE 0 141,203 0 0
Vanguard Mid Cap ETF Com 922908629   206,702 980 SH   DFND 0 980 0 0
Verizon Communications Com 92343V104   962,994 24,762 SH   SOLE 0 24,762 0 0
Verizon Communications Com 92343V104   62,146 1,598 SH   DFND 0 1,598 0 0
Vertex Pharmaceuticals Inc Com 92532F100   31,507 100 SH   SOLE 0 100 0 0
Paramount Global Class B Com Com 92556H206   163,220 7,316 SH   SOLE 0 7,316 0 0
Visa Inc Com 92826C839   3,082,715 13,673 SH   SOLE 0 13,673 0 0
Visa Inc Com 92826C839   64,256 285 SH   DFND 0 285 0 0
Virtus Allianzgi Diversified Com 92840N100   31,862 1,650 SH   SOLE 0 1,650 0 0
Vontier Corporation Com 928881101   6,562 240 SH   SOLE 0 240 0 0
Vulcan Materials Co Com 929160109   30,023 175 SH   DFND 0 175 0 0
WD-40 Company Com 929236107   17,805 100 SH   SOLE 0 100 0 0
WEC Energy Group Inc Com 92939U106   15,261 161 SH   DFND 0 161 0 0
Wal-Mart Inc Com 931142103   2,294,027 15,558 SH   SOLE 0 15,558 0 0
Wal-Mart Inc Com 931142103   44,235 300 SH   DFND 0 300 0 0
Waste Management Inc Com 94106L109   332,214 2,036 SH   SOLE 0 2,036 0 0
Wells Fargo & Co Com 949746101   271,005 7,250 SH   SOLE 0 7,250 0 0
Wells Fargo & Co Com 949746101   20,559 550 SH   DFND 0 550 0 0
West Pharmaceutical Svcs Com 955306105   83,499 241 SH   SOLE 0 241 0 0
Western Digital Corp Com 958102105   7,534 200 SH   SOLE 0 200 0 0
Weyerhaeuser Co Com 962166104   33,746 1,120 SH   SOLE 0 1,120 0 0
Whirlpool Corporation Com 963320106   19,803 150 SH   DFND 0 150 0 0
Williams Companies Inc Com 969457100   681,256 22,815 SH   SOLE 0 22,815 0 0
Wisdom MidCap Div Com 97717W505   378,245 9,230 SH   SOLE 0 9,230 0 0
Wisdomtree US Small Cap Dividend Com 97717W604   339,578 11,890 SH   SOLE 0 11,890 0 0
Workday Inc Com 98138H101   13,012 63 SH   SOLE 0 63 0 0
Xcel Energy Inc Com 98389B100   34,394 510 SH   DFND 0 510 0 0
Xylem Inc Warrants Com 98419M100   20,940 200 SH   SOLE 0 200 0 0
Yum! Brands Inc Com 988498101   96,418 730 SH   SOLE 0 730 0 0
Yum China Holdings Inc Com 98850P109   30,427 480 SH   SOLE 0 480 0 0
Zimmer Biomet Holdings Inc Com 98956P102   45,737 354 SH   SOLE 0 354 0 0
Zoetis Inc. Com 98978V103   253,488 1,523 SH   SOLE 0 1,523 0 0
Zoom Video Communications Inc Com 98980L101   517 7 SH   SOLE 0 7 0 0
Amcor PLC Com G0250X107   44,951 3,950 SH   SOLE 0 3,950 0 0
Amcor PLC Com G0250X107   14,510 1,275 SH   DFND 0 1,275 0 0
Accenture PLC Ireland Shs Cl A ADR Com G1151C101   1,663,414 5,820 SH   SOLE 0 5,820 0 0
Accenture PLC Ireland Shs Cl A ADR Com G1151C101   40,013 140 SH   DFND 0 140 0 0
Eaton Corp PLC ADR Com G29183103   2,272,311 13,262 SH   SOLE 0 13,262 0 0
Johnson Controls Intl ADR Com G51502105   132,966 2,208 SH   SOLE 0 2,208 0 0
Medtronic PLC ADR Com G5960L103   614,324 7,620 SH   SOLE 0 7,620 0 0
Medtronic PLC ADR Com G5960L103   16,124 200 SH   DFND 0 200 0 0
Valaris Limited Com G9460G119   33 3 SH   SOLE 0 3 0 0
Alcon AG Com H01301128   7,054 100 SH   DFND 0 100 0 0
Chubb Ltd Ord ADR Com H1467J104   2,882,796 14,846 SH   SOLE 0 14,846 0 0
Chubb Ltd Ord ADR Com H1467J104   9,709 50 SH   DFND 0 50 0 0
TE Connectivity LTD ADR Com H84989104   1,504,553 11,472 SH   SOLE 0 11,472 0 0
Check Point Software Tech Com M22465104   19,500 150 SH   DFND 0 150 0 0
ASML Hldgs NV NY ADR Com N07059210   122,528 180 SH   SOLE 0 180 0 0