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
AON PLC NPV COMMON STOCK G0403H108   21,357 64 SH   SOLE   64 0 0
ACCENTURE PLC FOREIGN EQUITIES G1151C101   1,220,359 3,521 SH   SOLE   3,306 0 215
ACCENTURE PLC FOREIGN EQUITIES G1151C101   372,595 1,075 SH   DFND   1,075 0 0
EATON CORP PLC FOREIGN EQUITIES G29183103   115,062 368 SH   SOLE   368 0 0
JOHNSON CTLS INTL PLC FOREIGN EQUITIES G51502105   15,738 241 SH   SOLE   241 0 0
LINDE PLC NPV COMMON STOCK G54950103   520,490 1,121 SH   SOLE   985 0 136
LINDE PLC NPV COMMON STOCK G54950103   46,432 100 SH   DFND   100 0 0
MEDTRONIC PLC FOREIGN EQUITIES G5960L103   64,576 741 SH   SOLE   741 0 0
TRANE TECHNOLOGIES PLC COMMON STOCK G8994E103   15,009 50 SH   SOLE   50 0 0
ALCON INC CHF FOREIGN EQUITIES H01301128   3,331 40 SH   DFND   40 0 0
CHUBB LTD CHF COMMON STOCK H1467J104   138,890 536 SH   SOLE   536 0 0
UBS GROUP AG COMMON STOCK H42097107   12,591 410 SH   SOLE   410 0 0
NXP SEMICONDUCTORS NV FOREIGN EQUITIES N6596X109   176,659 713 SH   SOLE   713 0 0
AFLAC INCORPORATED COMMON STOCK 001055102   120,117 1,399 SH   SOLE   1,399 0 0
AFLAC INCORPORATED COMMON STOCK 001055102   25,758 300 SH   DFND   300 0 0
AT&T INC COMMON STOCK 00206R102   137,885 7,839 SH   SOLE   7,839 0 0
AT&T INC COMMON STOCK 00206R102   24,010 1,365 SH   DFND   1,365 0 0
ABBOTT LABS COM COMMON STOCK 002824100   899,272 7,912 SH   SOLE   7,912 0 0
ABBOTT LABS COM COMMON STOCK 002824100   152,303 1,340 SH   DFND   1,340 0 0
ABBVIE INC COMMON STOCK 00287Y109   812,522 4,462 SH   SOLE   4,462 0 0
ABBVIE INC COMMON STOCK 00287Y109   224,893 1,235 SH   DFND   935 0 300
ADOBE SYSTEMS INC COMMON STOCK 00724F101   428,898 850 SH   SOLE   850 0 0
ADVANCED MICRO DEVICES COMMON STOCK 007903107   18,049 100 SH   DFND   100 0 0
AIR PRODUCTS AND CHEMICALS INC. COMMON STOCK 009158106   148,506 613 SH   SOLE   613 0 0
ALPHABET INC COMMON STOCK 02079K107   324,614 2,132 SH   SOLE   2,132 0 0
ALPHABET INC COMMON STOCK 02079K107   36,542 240 SH   DFND   240 0 0
ALPHABET INC COMMON STOCK 02079K305   2,334,561 15,468 SH   SOLE   14,851 0 617
ALPHABET INC COMMON STOCK 02079K305   36,223 240 SH   DFND   240 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103   130,389 2,990 SH   SOLE   2,990 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103   30,527 700 SH   DFND   300 0 400
AMAZON.COM INC COMMON STOCK 023135106   1,328,849 7,367 SH   SOLE   7,367 0 0
AMAZON.COM INC COMMON STOCK 023135106   90,190 500 SH   DFND   500 0 0
AMEREN CORP COMMON STOCK 023608102   14,790 200 SH   SOLE   200 0 0
AMERICA MOVIL S.A.B. DE C.V. FOREIGN EQUITIES 02390A101   13,055 700 SH   SOLE   700 0 0
AMERICAN ELEC PWR INC COM COMMON STOCK 025537101   26,260 305 SH   SOLE   305 0 0
AMERICAN EXPRESS CO COM COMMON STOCK 025816109   645,948 2,837 SH   SOLE   2,837 0 0
AMERICAN EXPRESS CO COM COMMON STOCK 025816109   18,442 81 SH   DFND   81 0 0
AMERICAN TOWER REIT COMMON STOCK 03027X100   897,821 4,544 SH   SOLE   4,245 0 299
AMERICAN WTR WKS CO INC NEW COM COMMON STOCK 030420103   648,545 5,307 SH   SOLE   4,799 0 508
AMGEN INC. COMMON STOCK 031162100   431,878 1,519 SH   SOLE   1,519 0 0
ANALOG DEVICES INC COMMON STOCK 032654105   47,864 242 SH   SOLE   242 0 0
APPLE INCORPORATED COMMON STOCK 037833100   3,941,424 22,985 SH   SOLE   22,397 0 588
APPLE INCORPORATED COMMON STOCK 037833100   205,776 1,200 SH   DFND   1,200 0 0
APPLIED MATERIALS COM COMMON STOCK 038222105   424,212 2,057 SH   SOLE   2,057 0 0
AUTOMATIC DATA PROCESSING COM COMMON STOCK 053015103   1,355,323 5,427 SH   SOLE   5,427 0 0
AUTOMATIC DATA PROCESSING COM COMMON STOCK 053015103   273,963 1,097 SH   DFND   967 0 130
AVANGRID INC COMMON STOCK 05351W103   18,215 500 SH   SOLE   500 0 0
BAKER HUGHES INC. CL A COMMON COMMON STOCK 05722G100   2,612 78 SH   SOLE   78 0 0
BANK OF AMERICA CORP NEW COMMON STOCK 060505104   545,059 14,378 SH   SOLE   14,378 0 0
BECTON DICKINSON & CO. COMMON STOCK 075887109   97,494 394 SH   SOLE   394 0 0
BERKSHIRE HATHAWAY INC COM COMMON STOCK 084670108   20,302,080 32 SH   SOLE   32 0 0
BERKSHIRE HATHAWAY INC. DEL CL B COMMON STOCK 084670702   502,926 1,196 SH   SOLE   1,196 0 0
BIOGEN IDEC INC COMMON STOCK 09062X103   31,265 145 SH   SOLE   145 0 0
BLACKROCK, INC. COMMON STOCK 09247X101   396,003 475 SH   SOLE   475 0 0
BLACKSTONE GROUP INC COMMON STOCK 09260D107   1,081,672 8,234 SH   SOLE   7,746 0 488
BOEING COMPANY COM COMMON STOCK 097023105   16,596 86 SH   SOLE   86 0 0
BRISTOL MYERS SQUIBB CO COM COMMON STOCK 110122108   639,410 11,793 SH   SOLE   11,793 0 0
BRISTOL MYERS SQUIBB CO COM COMMON STOCK 110122108   75,473 1,392 SH   DFND   972 0 420
BROADRIDGE FINL SOLUTIONS COMMON STOCK 11133T103   127,013 620 SH   SOLE   620 0 0
BROADCOM INC COMMON STOCK 11135F101   832,341 628 SH   SOLE   554 0 74
CIGNA CORPORATION COMMON STOCK 125523100   25,060 69 SH   SOLE   69 0 0
CME GROUP INC COMMON STOCK 12572Q105   348,757 1,620 SH   SOLE   1,342 0 278
CSX CORP COM COMMON STOCK 126408103   140,828 3,800 SH   SOLE   3,800 0 0
CVS HEALTH CORP COM COMMON STOCK 126650100   690,785 8,661 SH   SOLE   8,661 0 0
CVS HEALTH CORP COM COMMON STOCK 126650100   82,711 1,037 SH   DFND   1,037 0 0
CADENCE DESIGN SYSTEMS INC COMMON STOCK 127387108   37,352 120 SH   SOLE   120 0 0
CARRIER GLOBAL CORP COMMON STOCK 14448C104   65,338 1,124 SH   SOLE   1,124 0 0
CASEYS GEN STORES COMMON STOCK 147528103   372,558 1,170 SH   SOLE   1,072 0 98
CATERPILLAR INC COM COMMON STOCK 149123101   635,361 1,734 SH   SOLE   1,734 0 0
CATERPILLAR INC COM COMMON STOCK 149123101   34,809 95 SH   DFND   95 0 0
CHEVRON CORPORATION COM COMMON STOCK 166764100   1,152,572 7,307 SH   SOLE   7,030 0 277
CHIPOLTE MEXICAN GRILL COMMON STOCK 169656105   29,066 10 SH   SOLE   10 0 0
CHURCH & DWIGHT CO.INC COMMON STOCK 171340102   146,034 1,400 SH   SOLE   1,400 0 0
CISCO SYSTEMS INC COM COMMON STOCK 17275R102   551,885 11,060 SH   SOLE   11,060 0 0
CITIGROUP INC COMMON STOCK 172967424   100,551 1,590 SH   SOLE   1,590 0 0
CLOROX CO CALIF COM STK COMMON STOCK 189054109   126,161 824 SH   SOLE   824 0 0
COCA COLA COMPANY COM COMMON STOCK 191216100   362,489 5,925 SH   SOLE   5,925 0 0
COCA COLA COMPANY COM COMMON STOCK 191216100   15,295 250 SH   DFND   250 0 0
COLGATE PALMOLIVE CO COM COMMON STOCK 194162103   27,824 309 SH   SOLE   309 0 0
COMCAST CORP NEW CL A COMMON STOCK 20030N101   420,518 9,703 SH   SOLE   9,703 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104   175,387 1,378 SH   SOLE   1,378 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104   51,675 406 SH   DFND   81 0 325
CONSOLIDATED EDISON INC COM COMMON STOCK 209115104   82,364 907 SH   SOLE   907 0 0
CORTEVA, INC. COMMON STOCK 22052L104   14,762 256 SH   SOLE   256 0 0
COSTCO WHOLESALE CORPORATION COMMON STOCK 22160K105   1,646,190 2,247 SH   SOLE   2,206 0 41
COSTCO WHOLESALE CORPORATION COMMON STOCK 22160K105   190,483 260 SH   DFND   260 0 0
CROWN CASTLE INTL CORP COMMON STOCK 22822V101   30,690 290 SH   SOLE   290 0 0
CUMMINS INC COMMON STOCK 231021106   190,335 646 SH   SOLE   646 0 0
DTE ENERGY CO COMMON STOCK 233331107   11,214 100 SH   SOLE   100 0 0
DANAHER CORP COMMON STOCK 235851102   1,244,080 4,982 SH   SOLE   4,821 0 161
DANAHER CORP COMMON STOCK 235851102   32,463 130 SH   DFND   130 0 0
DARDEN RESTAURANTS, INC COM COMMON STOCK 237194105   36,103 216 SH   SOLE   216 0 0
DEERE & COMPANY COMMON STOCK 244199105   170,862 416 SH   SOLE   416 0 0
DEERE & COMPANY COMMON STOCK 244199105   49,287 120 SH   DFND   120 0 0
WALT DISNEY COMPANY COM COMMON STOCK 254687106   416,142 3,401 SH   SOLE   3,401 0 0
WALT DISNEY COMPANY COM COMMON STOCK 254687106   73,416 600 SH   DFND   600 0 0
DOMINION RES INC VA NEW COM COMMON STOCK 25746U109   72,294 1,470 SH   SOLE   1,470 0 0
DOMINION RES INC VA NEW COM COMMON STOCK 25746U109   14,754 300 SH   DFND   0 0 300
DOW INC COM COMMON STOCK 260557103   369,988 6,387 SH   SOLE   6,387 0 0
DOW INC COM COMMON STOCK 260557103   90,022 1,554 SH   DFND   1,271 0 283
DUKE ENERGY CORP NEW COMMON STOCK 26441C204   163,239 1,688 SH   SOLE   1,688 0 0
DUKE ENERGY CORP NEW COMMON STOCK 26441C204   67,695 700 SH   DFND   550 0 150
DUPONT DE NEMOURS, INC. COMMON STOCK 26614N102   113,084 1,475 SH   SOLE   1,475 0 0
DUPONT DE NEMOURS, INC. COMMON STOCK 26614N102   6,439 84 SH   DFND   84 0 0
EOG RES INC COMMON STOCK 26875P101   140,624 1,100 SH   SOLE   1,100 0 0
ECOLAB INC COMMON STOCK 278865100   141,770 614 SH   SOLE   614 0 0
EMERSON ELEC CO COM COMMON STOCK 291011104   172,622 1,522 SH   SOLE   1,522 0 0
EMERSON ELEC CO COM COMMON STOCK 291011104   158,788 1,400 SH   DFND   1,400 0 0
ENBRIDGE INC NPV FOREIGN EQUITIES 29250N105   475,398 13,140 SH   SOLE   13,140 0 0
ENBRIDGE INC NPV FOREIGN EQUITIES 29250N105   191,318 5,288 SH   DFND   4,602 0 686
ENTERGY CORPORATION COMMON STOCK 29364G103   13,210 125 SH   SOLE   125 0 0
EQUINIX INC COM PAR $0.001 COMMON STOCK 29444U700   76,755 93 SH   SOLE   93 0 0
ESCO TECHNOLOGIES INC COMMON STOCK 296315104   22,694 212 SH   SOLE   212 0 0
EVERSOURCE ENERGY COMMON STOCK 30040W108   829,488 13,878 SH   SOLE   13,878 0 0
EXXON MOBIL CORP COM COMMON STOCK 30231G102   1,694,290 14,576 SH   SOLE   14,182 0 394
EXXON MOBIL CORP COM COMMON STOCK 30231G102   238,873 2,055 SH   DFND   1,655 0 400
META PLATFORMS COMMON STOCK 30303M102   754,580 1,554 SH   SOLE   1,388 0 166
META PLATFORMS COMMON STOCK 30303M102   72,837 150 SH   DFND   150 0 0
FASTENAL COMMON STOCK 311900104   15,426 200 SH   DFND   200 0 0
FEDEX CORPORATION COMMON STOCK 31428X106   93,292 322 SH   SOLE   322 0 0
FEDEX CORPORATION COMMON STOCK 31428X106   28,973 100 SH   DFND   100 0 0
FISERV INC COMMON STOCK 337738108   271,694 1,700 SH   SOLE   1,700 0 0
FLEXSHARES 3 YEAR DURATION TIPS ETF ETF - INFLATION PROTECTED 33939L506   18,572 782 SH   SOLE   782 0 0
FORTIV CORP COMMON STOCK 34959J108   6,795 79 SH   SOLE   79 0 0
FREEPORT-MCMORAN COPPER COMMON STOCK 35671D857   25,861 550 SH   SOLE   550 0 0
GE HEALTHCARE TECHNOLOGIES, INC. COMMON STOCK 36266G107   22,451 247 SH   SOLE   247 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108   122,593 434 SH   SOLE   434 0 0
GENERAL ELECTRIC COMPANY COMMON STOCK 369604301   157,448 897 SH   SOLE   897 0 0
GENERAL MILLS INC COM COMMON STOCK 370334104   149,384 2,135 SH   SOLE   2,135 0 0
GENERAL MILLS INC COM COMMON STOCK 370334104   22,740 325 SH   DFND   325 0 0
GENUINE PARTS CO COMMON STOCK 372460105   30,986 200 SH   SOLE   200 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103   27,467 375 SH   SOLE   375 0 0
GLAXO SMITHKLINE PLC ADR NEW COMMON STOCK 37733W204   125,490 2,928 SH   SOLE   2,928 0 0
GOLDMAN SACHS GROUP COMMON STOCK 38141G104   76,854 184 SH   SOLE   184 0 0
HP INC COMMON STOCK 40434L105   38,155 1,263 SH   SOLE   1,263 0 0
HEWLETT PACKARD ENT CO COMMON STOCK 42824C109   22,380 1,263 SH   SOLE   1,263 0 0
THE HOME DEPOT, INC COMMON STOCK 437076102   1,112,002 2,899 SH   SOLE   2,683 0 216
THE HOME DEPOT, INC COMMON STOCK 437076102   374,000 975 SH   DFND   975 0 0
HONEYWELL INTL INC COM COMMON STOCK 438516106   834,131 4,064 SH   SOLE   4,064 0 0
IDACORP INC. COMMON STOCK 451107106   69,667 750 SH   SOLE   750 0 0
IDEXX LABORATORIES INC COMMON STOCK 45168D104   2,159,680 4,000 SH   SOLE   0 0 4,000
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109   40,248 150 SH   DFND   150 0 0
INGERSOLL RAND INC. COMMON STOCK 45687V106   4,177 44 SH   SOLE   44 0 0
INGREDION INC COMMON STOCK 457187102   7,011 60 SH   SOLE   60 0 0
INSULET CORPORATION COMMON STOCK 45784P101   8,570 50 SH   SOLE   50 0 0
INTEL CORP COM COMMON STOCK 458140100   290,171 6,571 SH   SOLE   6,571 0 0
INTEL CORP COM COMMON STOCK 458140100   33,782 765 SH   DFND   175 0 590
INTERCONTINENTAL EXCHANGE COMMON STOCK 45866F104   244,206 1,777 SH   SOLE   1,777 0 0
INTERCONTINENTAL EXCHANGE COMMON STOCK 45866F104   54,972 400 SH   DFND   400 0 0
INTERNAT'L BUSINESS MACHINES COM COMMON STOCK 459200101   213,678 1,119 SH   SOLE   1,119 0 0
INTERNAT'L BUSINESS MACHINES COM COMMON STOCK 459200101   171,864 900 SH   DFND   900 0 0
INVESCO QQ ETF - LARGE CAP 46090E103   447,562 1,008 SH   SOLE   1,008 0 0
INTUIT COM COMMON STOCK 461202103   458,250 705 SH   SOLE   705 0 0
INVESCO S&P 500 QUALITY ETF ETF - LARGE CAP 46137V241   17,070,834 282,538 SH   SOLE   277,982 0 4,556
INVESCO EXCHNG TRADED FD TR GLOBAL WATER ETF - LARGE CAP 46138E651   42,204 979 SH   SOLE   979 0 0
ISHARES SELECT DIVIDEND ETF ETF - MID CAP 464287168   1,872,808 15,204 SH   SOLE   15,204 0 0
ISHARES SELECT DIVIDEND ETF ETF - MID CAP 464287168   42,988 349 SH   DFND   349 0 0
ISHARES BARCLAYS TIP ETF - INFLATION PROTECTED 464287176   3,329 31 SH   DFND   31 0 0
ISHARES CORE S&P 500 ETF ETF - LARGE CAP 464287200   461,578 878 SH   SOLE   878 0 0
ISHARES CORE TOTAL U S BOND MARKET ETF ETF - INTERM 464287226   917,200 9,365 SH   SOLE   9,365 0 0
ISHARES MSCI EMERGING MKTS INDEX ETF - EMERGING INTL 464287234   194,423 4,734 SH   SOLE   4,734 0 0
ISHARES MSCI EMERGING MKTS INDEX ETF - EMERGING INTL 464287234   17,865 435 SH   DFND   435 0 0
ISHARES IBOXX $ INV GRADE CORP BOND ETF ETF - INTERM 464287242   63,171 580 SH   SOLE   580 0 0
ISHARES IBOXX $ INV GRADE CORP BOND ETF ETF - INTERM 464287242   5,446 50 SH   DFND   50 0 0
ISHARES S&P GROWTH INDEX FUND ETF - LARGE CAP 464287309   963,454 11,410 SH   SOLE   11,410 0 0
ISHARES S&P GROWTH INDEX FUND ETF - LARGE CAP 464287309   121,593 1,440 SH   DFND   1,440 0 0
ISHARES S&P VALUE INDEX FUND ETF - LARGE CAP 464287408   361,662 1,936 SH   SOLE   1,936 0 0
ISHARES S&P VALUE INDEX FUND ETF - LARGE CAP 464287408   57,350 307 SH   DFND   307 0 0
ISHS BARCLAYS 1-3 YR TREAS BD FD ETF - SHORT 464287457   185,558 2,269 SH   SOLE   2,269 0 0
ISHARES MSCI EAFE INDEX ETF - DEVELOPED INTL 464287465   134,402 1,683 SH   SOLE   1,683 0 0
ISHARES MSCI EAFE INDEX ETF - DEVELOPED INTL 464287465   41,846 524 SH   DFND   524 0 0
ISHARES RUSSELL MIDCAP VALUE INDEX FUND ETF - MID CAP 464287473   253,412 2,022 SH   SOLE   2,022 0 0
ISHARES RUSSELL MIDCAP VALUE INDEX FUND ETF - MID CAP 464287473   13,786 110 SH   DFND   110 0 0
ISHARES RUSSELL MIDCAP GROWTH INDEX FUND ETF - MID CAP 464287481   99,298 870 SH   SOLE   870 0 0
ISHARES RUSSELL MIDCAP GROWTH INDEX FUND ETF - MID CAP 464287481   25,339 222 SH   DFND   222 0 0
ISHARES RUSSELL MIDCAP INDEX FUND ETF - EQUITIES 464287499   186,679 2,220 SH   SOLE   2,220 0 0
ISHARES CORE S&P MID-CAP ETF ETF - MID CAP 464287507   10,500,264 172,874 SH   SOLE   168,724 0 4,150
NASDAQ BIOTECHNOLOGY I SHARES ETF - EQUITIES 464287556   61,749 450 SH   SOLE   450 0 0
NASDAQ BIOTECHNOLOGY I SHARES ETF - EQUITIES 464287556   102,914 750 SH   DFND   750 0 0
ISHARES RUSSELL 1000 VALUE INDEX ETF - EQUITIES 464287598   109,257 610 SH   SOLE   610 0 0
I SHS RUSSELL 1000 GROWTH INDEX G ETF - LARGE CAP 464287614   852,033 2,528 SH   SOLE   2,528 0 0
I SHS RUSSELL 1000 ETF - LARGE CAP 464287622   387,097 1,344 SH   SOLE   1,344 0 0
ISHARES RUSSELL 2000 VALUE INDEX FUND ETF - SMALL CAP 464287630   228,681 1,440 SH   SOLE   1,440 0 0
ISHARES RUSSELL 2000 VALUE INDEX FUND ETF - SMALL CAP 464287630   9,687 61 SH   DFND   61 0 0
ISHARES RUSSELL 2000 GROWTH INDEX FUND ETF - SMALL CAP 464287648   55,238 204 SH   SOLE   204 0 0
ISHARES RUSSELL 2000 GROWTH INDEX FUND ETF - SMALL CAP 464287648   26,808 99 SH   DFND   99 0 0
ISHARES RUSSELL 2000 INDEX ETF - SMALL CAP 464287655   4,539,673 21,587 SH   SOLE   21,587 0 0
ISHARES RUSSELL 2000 INDEX ETF - SMALL CAP 464287655   45,003 214 SH   DFND   214 0 0
ISHS RUSSELL 3000 INDEX ETF - LARGE CAP 464287689   234,354 781 SH   SOLE   781 0 0
ISHS TR S&P MDCP 400 VALUE ETF ETF - MID CAP 464287705   57,962 490 SH   SOLE   490 0 0
ISHARES CORE S&P SMALL-CAP ETF ETF - SMALL CAP 464287804   3,325,600 30,091 SH   SOLE   28,795 0 1,296
ISHARES TR S&P SMALL-CAP 600 GROWTH ETF ETF - SMALL CAP 464287887   2,614 20 SH   SOLE   20 0 0
ISHARES S&P NATL MUNI BOND FUND ETF - INTERM 464288414   519,169 4,825 SH   SOLE   4,825 0 0
ISHARES S&P NATL MUNI BOND FUND ETF - INTERM 464288414   60,363 561 SH   DFND   561 0 0
ISHARES HI YIELD CORPORATE BOND ETF - HIGH YIELD 464288513   537,264 6,913 SH   SOLE   6,913 0 0
ETF ISHS INTER GOVT CR BD ETF - INTERM 464288612   89,941 865 SH   SOLE   865 0 0
ISHS BARCLAYS INTERMEDIATE TERM CREDIT BOND FD ETF - INTERM 464288638   23,215 450 SH   SOLE   450 0 0
ISHARES SHORT-TERM CORP BOND ETF - SHORT 464288646   436,866 8,521 SH   SOLE   8,521 0 0
ISHARES SHORT-TERM CORP BOND ETF - SHORT 464288646   21,994 429 SH   DFND   429 0 0
ISHARES S&P US PREFERRED STOCK INDEX FUND PREFERRED STOCK 464288687   120,469 3,739 SH   SOLE   3,739 0 0
ISHARES US MEDICAL DEVICES ETF ETF - EQUITIES 464288810   26,365 450 SH   SOLE   450 0 0
ISHARES TRUST FLOATING RATE BOND ETF ETF - SHORT 46429B655   1,597,329 31,284 SH   SOLE   31,284 0 0
ISHARES EDGE MSCI MIN VOL USA ETF ETF - EQUITIES 46429B697   61,849 740 SH   SOLE   740 0 0
ISHARES EDGE MSCI US QULTY FACT ETF ETF - DEVELOPED INTL 46432F339   95,816 583 SH   SOLE   583 0 0
ISHARES INC CORE MSCI EMERGING MKTS ETF ETF - EMERGING INTL 46434G103   23,834 462 SH   SOLE   462 0 0
ISHARES ESG AWARE MSCI EMERGING MKTS FUND ETF - EMERGING INTL 46434G863   133,839 4,154 SH   SOLE   4,154 0 0
J P MORGAN CHASE & CO COMMON STOCK 46625H100   2,303,022 11,498 SH   SOLE   11,277 0 221
J P MORGAN CHASE & CO COMMON STOCK 46625H100   368,151 1,838 SH   DFND   1,838 0 0
JACOBS SOLUTIONS INC COMMON STOCK 46982L108   43,812 285 SH   SOLE   285 0 0
JOHNSON & JOHNSON COM COMMON STOCK 478160104   1,209,974 7,649 SH   SOLE   7,649 0 0
JOHNSON & JOHNSON COM COMMON STOCK 478160104   26,891 170 SH   DFND   125 0 45
KENVUE INC. COMMON STOCK 49177J102   1,179 55 SH   SOLE   55 0 0
KIMBERLY CLARK CORP COM COMMON STOCK 494368103   533,179 4,122 SH   SOLE   4,122 0 0
KIMBERLY CLARK CORP COM COMMON STOCK 494368103   8,019 62 SH   DFND   62 0 0
KRAFT HEINZ CO COMMON STOCK 500754106   135,418 3,671 SH   SOLE   3,671 0 0
KYNDRYL HOLDINGS INC COMMON STOCK 50155Q100   804 37 SH   SOLE   37 0 0
LAM RESEARCH CORP COM COMMON STOCK 512807108   121,445 125 SH   SOLE   125 0 0
ESTEE LAUDER COMPANIES CL A COMMON STOCK 518439104   83,237 540 SH   SOLE   540 0 0
ELI LILLY & CO COM COMMON STOCK 532457108   877,535 1,128 SH   SOLE   1,128 0 0
ELI LILLY & CO COM COMMON STOCK 532457108   953,000 1,225 SH   DFND   1,225 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109   1,017,948 2,238 SH   SOLE   2,047 0 191
LOCKHEED MARTIN CORP COMMON STOCK 539830109   45,486 100 SH   DFND   100 0 0
LOWES COMPANIES INC COM STK COMMON STOCK 548661107   744,060 2,921 SH   SOLE   2,921 0 0
LOWES COMPANIES INC COM STK COMMON STOCK 548661107   47,634 187 SH   DFND   187 0 0
LULULEMON ATHLETICA COMMON STOCK 550021109   25,391 65 SH   SOLE   65 0 0
MARSH & MCLENNAN COMPANIES, INC COMMON STOCK 571748102   103,195 501 SH   SOLE   501 0 0
MARRIOTT INTERNATIONAL INC NEW CLASS A COMMON STOCK 571903202   50,460 200 SH   SOLE   200 0 0
MASCO CORPORATION COMMON STOCK 574599106   45,356 575 SH   SOLE   575 0 0
MASTERCARD INC COMMON STOCK 57636Q104   1,579,043 3,279 SH   SOLE   3,148 0 131
MASTERCARD INC COMMON STOCK 57636Q104   96,314 200 SH   DFND   200 0 0
MCCORMICK & CO INC COMMON STOCK 579780206   40,555 528 SH   SOLE   528 0 0
MCDONALDS CORP COM COMMON STOCK 580135101   1,288,736 4,571 SH   SOLE   4,571 0 0
MCDONALDS CORP COM COMMON STOCK 580135101   169,164 600 SH   DFND   600 0 0
MCKESSON CORP COMMON STOCK 58155Q103   147,631 275 SH   SOLE   275 0 0
MCKESSON CORP COMMON STOCK 58155Q103   53,684 100 SH   DFND   100 0 0
MERCK & CO INC NEW COMMON STOCK 58933Y105   717,402 5,437 SH   SOLE   5,437 0 0
MERCK & CO INC NEW COMMON STOCK 58933Y105   28,105 213 SH   DFND   0 0 213
METLIFE INC COMMON STOCK 59156R108   192,088 2,592 SH   SOLE   2,592 0 0
MICROSOFT CORP COMMON STOCK 594918104   6,870,568 16,331 SH   SOLE   16,034 0 297
MICROSOFT CORP COMMON STOCK 594918104   604,980 1,438 SH   DFND   1,283 0 155
MICROCHIP TECHNOLOGY INC COMMON STOCK 595017104   1,024,467 11,420 SH   SOLE   10,474 0 946
MICRON TECHNOLOGY INC COM COMMON STOCK 595112103   50,692 430 SH   SOLE   430 0 0
MONDELEZ INTL INC COMMON STOCK 609207105   567,140 8,102 SH   SOLE   7,669 0 433
MONDELEZ INTL INC COMMON STOCK 609207105   111,020 1,586 SH   DFND   1,310 0 276
MORGAN STANLEY COMMON STOCK 617446448   28,244 300 SH   SOLE   300 0 0
NBT BANCORP INC COMMON STOCK 628778102   177,640 4,843 SH   SOLE   4,843 0 0
NETFLIX INC COMMON STOCK 64110L106   39,476 65 SH   SOLE   65 0 0
NETFLIX INC COMMON STOCK 64110L106   121,466 200 SH   DFND   200 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101   91,694 1,435 SH   SOLE   1,435 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101   271,575 4,250 SH   DFND   4,250 0 0
NIKE INC CL B COMMON STOCK 654106103   235,130 2,502 SH   SOLE   2,502 0 0
NIKE INC CL B COMMON STOCK 654106103   28,194 300 SH   DFND   300 0 0
NORFOLK SOUTHN CORP COM COMMON STOCK 655844108   1,059,998 4,159 SH   SOLE   4,159 0 0
NORFOLK SOUTHN CORP COM COMMON STOCK 655844108   127,434 500 SH   DFND   500 0 0
NORTH EUROPEAN OIL ROYALTY TRUST COMMON STOCK 659310106   153,884 25,863 SH   SOLE   25,863 0 0
NOVARTIS A G ADR COMMON STOCK 66987V109   102,144 1,056 SH   SOLE   1,056 0 0
NOVARTIS A G ADR COMMON STOCK 66987V109   90,635 937 SH   DFND   937 0 0
NOVO NORDISK AS ADR COMMON STOCK 670100205   943,976 7,352 SH   SOLE   6,869 0 483
NUCOR CORP COMMON STOCK 670346105   76,586 387 SH   SOLE   387 0 0
NUCOR CORP COMMON STOCK 670346105   196,910 995 SH   DFND   995 0 0
NVIDIA CORP COMMON STOCK 67066G104   839,394 929 SH   SOLE   929 0 0
O'REILLY AUTOMOTIVE INC. COMMON STOCK 67103H107   214,487 190 SH   SOLE   190 0 0
OMNICOM GROUP INC COMMON STOCK 681919106   65,409 676 SH   SOLE   676 0 0
ORACLE CORPORATION COM COMMON STOCK 68389X105   978,107 7,787 SH   SOLE   7,065 0 722
ORACLE CORPORATION COM COMMON STOCK 68389X105   43,963 350 SH   DFND   350 0 0
OTIS WORLDWIDE CORP COMMON STOCK 68902V107   43,280 436 SH   SOLE   436 0 0
PARKER HANNIFIN CORP COMMON STOCK 701094104   155,618 280 SH   SOLE   280 0 0
PAYCOM SOFTWARE INC COMMON STOCK 70432V102   100,500 505 SH   SOLE   505 0 0
PAYCHEX INC COM STK COMMON STOCK 704326107   122,922 1,001 SH   SOLE   1,001 0 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103   10,048 150 SH   SOLE   150 0 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103   10,718 160 SH   DFND   160 0 0
PEPSICO, INC COM COMMON STOCK 713448108   1,571,562 8,980 SH   SOLE   8,794 0 186
PEPSICO, INC COM COMMON STOCK 713448108   198,986 1,137 SH   DFND   1,137 0 0
PFIZER INC COM COMMON STOCK 717081103   473,355 17,058 SH   SOLE   17,058 0 0
PFIZER INC COM COMMON STOCK 717081103   4,079 147 SH   DFND   147 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109   78,148 853 SH   SOLE   853 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109   26,294 287 SH   DFND   0 0 287
PHOTRONICS INC COMMON STOCK 719405102   283,100 10,000 SH   SOLE   10,000 0 0
T ROWE PRICE GROUP COMMON STOCK 74144T108   24,384 200 SH   DFND   200 0 0
PRINCIPAL FINANCIAL GROUP COMMON STOCK 74251V102   16,830 195 SH   SOLE   195 0 0
PROCTER & GAMBLE CO COM COMMON STOCK 742718109   1,943,738 11,980 SH   SOLE   11,980 0 0
PROCTER & GAMBLE CO COM COMMON STOCK 742718109   202,811 1,250 SH   DFND   1,250 0 0
PRUDENTIAL FINL INC COM COMMON STOCK 744320102   49,307 420 SH   SOLE   420 0 0
PUBLIC SVC ENTERPRISE GROUP COM COMMON STOCK 744573106   30,046 450 SH   SOLE   450 0 0
PUBLIC STORAGE COMMON STOCK 74460D109   5,801 20 SH   SOLE   20 0 0
RAYTHEON TECHNOLOGIES CORP. COMMON STOCK 75513E101   563,027 5,773 SH   SOLE   5,773 0 0
RAYTHEON TECHNOLOGIES CORP. COMMON STOCK 75513E101   97,042 995 SH   DFND   795 0 200
SHELL PLC NPV ADR COMMON STOCK 780259305   95,798 1,429 SH   SOLE   1,429 0 0
SPDR S&P 500 ETF TRUST ETF - LARGE CAP 78462F103   9,759,935 18,659 SH   SOLE   18,659 0 0
SPDR S&P 500 ETF TRUST ETF - LARGE CAP 78462F103   418,455 800 SH   DFND   800 0 0
SPDR GOLD TR GOLD SHS ETF - ALTERNATIVE 78463V107   294,178 1,430 SH   SOLE   1,430 0 0
SPDR BARCLAYS CAP CONV SEC ETF - INTERM 78464A359   81,366 1,114 SH   SOLE   1,114 0 0
SPDR INTERMEDIATE TERM CORPORATE BOND ETF ETF - INTERM 78464A375   48,758 1,492 SH   SOLE   1,492 0 0
SPDR S&P DIVIDEND ETF ETF - LARGE CAP 78464A763   2,184,870 16,648 SH   SOLE   16,648 0 0
SPDR DOW JONES INDL AVERAGE ETR TR ETF - LARGE CAP 78467X109   107,395 270 SH   SOLE   270 0 0
SPDR S&P MIDCAP 400 ETF TR ETF - MID CAP 78467Y107   3,877,462 6,969 SH   SOLE   6,969 0 0
SPDR S&P MIDCAP 400 ETF TR ETF - MID CAP 78467Y107   57,307 103 SH   DFND   103 0 0
SALESFORCE INC COMMON STOCK 79466L302   36,140 120 SH   DFND   120 0 0
SCHLUMBERGER LTD COM STK COMMON STOCK 806857108   2,574 47 SH   SOLE   47 0 0
SELECT SECTOR SPDR TR SBI MATERIALS ETF - EQUITIES 81369Y100   104,221 1,122 SH   SOLE   1,122 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE ETF - EQUITIES 81369Y209   88,638 600 SH   SOLE   600 0 0
SELECT SECTOR SPDRFUND CONSUMER STAPLES ETF - EQUITIES 81369Y308   11,454 150 SH   SOLE   150 0 0
SPDR CONSUMER DISCRETIONARY ETF - EQUITIES 81369Y407   77,048 419 SH   SOLE   419 0 0
SELECT SECTOR SPDR TR SBI INT-ENERGY ETF - EQUITIES 81369Y506   18,880 200 SH   SOLE   200 0 0
FINANCIAL SELECT SECTOR SPDRETF ETF - EQUITIES 81369Y605   929,234 22,067 SH   SOLE   22,067 0 0
FINANCIAL SELECT SECTOR SPDRETF ETF - EQUITIES 81369Y605   36,845 875 SH   DFND   325 0 550
SELECT SECTOR SPDR TR SBI INT-INDS ETF - EQUITIES 81369Y704   67,262 534 SH   SOLE   534 0 0
TECHNOLOGY SELECT SECTOR SPDR ETF ETF - EQUITIES 81369Y803   281,580 1,352 SH   SOLE   1,352 0 0
SELECT SECTOR SPDR - UTILITIES ETF - EQUITIES 81369Y886   261,610 3,985 SH   SOLE   3,985 0 0
SERVICENOW, INC COMMON STOCK 81762P102   171,540 225 SH   SOLE   225 0 0
SHERWIN-WILLIAMS COMPANY COMMON STOCK 824348106   38,204 110 SH   SOLE   110 0 0
SOUTHERN CO COM COMMON STOCK 842587107   483,949 6,746 SH   SOLE   6,746 0 0
SOUTHERN CO COM COMMON STOCK 842587107   17,217 240 SH   DFND   0 0 240
STARBUCKS CORPORATION COMMON STOCK 855244109   170,440 1,865 SH   SOLE   1,865 0 0
STATE STREET CORP COM COMMON STOCK 857477103   5,798 75 SH   SOLE   75 0 0
STRYKER CORP COMMON STOCK 863667101   1,172,331 3,276 SH   SOLE   3,160 0 116
SUNCOR ENERGY, INC. FOREIGN EQUITIES 867224107   91,327 2,475 SH   DFND   2,475 0 0
SYSCO CORP COM COMMON STOCK 871829107   10,959 135 SH   SOLE   135 0 0
TJX COS INC COMMON STOCK 872540109   1,324,118 13,056 SH   SOLE   12,215 0 841
TARGET CORP COM COMMON STOCK 87612E106   708,645 3,999 SH   SOLE   3,999 0 0
TARGET CORP COM COMMON STOCK 87612E106   117,844 665 SH   DFND   665 0 0
TESLA MOTORS INC. COMMON COMMON STOCK 88160R101   87,015 495 SH   SOLE   495 0 0
TEXAS INSTRUMENTS, INC COMMON STOCK 882508104   114,978 660 SH   SOLE   660 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102   801,473 1,379 SH   SOLE   1,274 0 105
3M COMPANY COMMON STOCK 88579Y101   213,830 2,016 SH   SOLE   2,016 0 0
3M COMPANY COMMON STOCK 88579Y101   107,553 1,014 SH   DFND   1,014 0 0
TRACTOR SUPPLY CO. COMMON STOCK 892356106   489,382 1,870 SH   SOLE   1,627 0 243
TRANSDIGM GROUP INC COMMON STOCK 893641100   92,370 75 SH   DFND   75 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109   995,791 4,327 SH   SOLE   4,139 0 188
TRAVELERS COMPANIES INC COMMON STOCK 89417E109   149,590 650 SH   DFND   650 0 0
TRUIST FINL CORP COM COMMON STOCK 89832Q109   27,473 705 SH   SOLE   705 0 0
U S BANCORP DEL COMMON STOCK 902973304   25,702 575 SH   SOLE   575 0 0
ULTA BEAUTY, INC COMMON STOCK 90384S303   8,886 17 SH   SOLE   17 0 0
UNION PAC CORP COM COMMON STOCK 907818108   724,982 2,948 SH   SOLE   2,624 0 324
UNION PAC CORP COM COMMON STOCK 907818108   49,186 200 SH   DFND   200 0 0
UNITED PARCEL SERVICE COMMON STOCK 911312106   146,692 987 SH   SOLE   987 0 0
UNITED PARCEL SERVICE COMMON STOCK 911312106   22,294 150 SH   DFND   150 0 0
UNITED HEALTH GROUP INC COMMON STOCK 91324P102   290,881 588 SH   SOLE   588 0 0
V F CORP COMMON STOCK 918204108   14,708 959 SH   SOLE   959 0 0
V F CORP COMMON STOCK 918204108   2,684 175 SH   DFND   175 0 0
VAIL RESORTS INC COM COMMON STOCK 91879Q109   77,990 350 SH   SOLE   350 0 0
VALERO ENERGY CORP COMMON STOCK 91913Y100   17,069 100 SH   SOLE   100 0 0
VANECK VEC RETAIL ETF ETF - LARGE CAP 92189F684   42,208 200 SH   DFND   200 0 0
ETF VANGUARD DIVIDEND APPRECIATION ETF - LARGE CAP 921908844   1,254,706 6,871 SH   SOLE   6,871 0 0
VANGUARD W MEGA CAP 300 INDEX ETF ETF - LARGE CAP 921910873   434,846 2,327 SH   SOLE   2,327 0 0
VANGUARD S&P 500 GROWTH ETF - LARGE CAP 921932505   57,892 190 SH   SOLE   190 0 0
ETF VANGUARD BOND INDEX ETF - INTERM 921937835   37,040 510 SH   SOLE   510 0 0
VANGUARD DEVELOPED MARKETS ETF ETF - DEVELOPED INTL 921943858   158,202 3,154 SH   SOLE   3,154 0 0
VANGUARD HIGH DIVIDEND YIELD ETF ETF - LARGE CAP 921946406   6,201,547 51,257 SH   SOLE   51,257 0 0
VANGUARD HIGH DIVIDEND YIELD ETF ETF - LARGE CAP 921946406   46,339 383 SH   DFND   383 0 0
VANGUARD ENERGY ETF ETF - EQUITIES 92204A306   565,778 4,296 SH   SOLE   4,296 0 0
VANGUARD INFORMATION TECHNOLOGY VIPERS ETF - EQUITIES 92204A702   1,377,931 2,628 SH   SOLE   2,628 0 0
VANGUARD INFORMATION TECHNOLOGY VIPERS ETF - EQUITIES 92204A702   32,508 62 SH   DFND   62 0 0
VANGUARD COMMUNICATION SERVICES ETF ETF - EQUITIES 92204A884   132,790 1,012 SH   SOLE   1,012 0 0
VANGUARD FTSE ALL WORLD EX US ETF ETF - DEVELOPED INTL 922042775   647,780 11,045 SH   SOLE   11,045 0 0
VANGUARD FTSE ALL WORLD EX US ETF ETF - DEVELOPED INTL 922042775   103,692 1,768 SH   DFND   1,768 0 0
VANGUART SHORT-TERM TREASUREINDEX FUND ETF - SHORT 92206C102   85,870 1,479 SH   SOLE   1,479 0 0
VANGUARD INT TERM ETF ETF - INTERM 92206C706   62,637 1,070 SH   SOLE   1,070 0 0
VANGUARD INDEX FUNDS S&P 500 ETF ETF - LARGE CAP 922908363   195,164 406 SH   SOLE   406 0 0
VANGUARD REIT ETF - EQUITIES 922908553   80,849 935 SH   SOLE   935 0 0
VANGUARD REIT ETF - EQUITIES 922908553   14,267 165 SH   DFND   0 0 165
VANGUARD SMALL CAP ETF - SMALL CAP 922908611   14,391 75 SH   SOLE   75 0 0
ETF VANGUARD MID-CAP ETF - MID CAP 922908629   48,972 196 SH   SOLE   196 0 0
VANGUARD LARGE CAP ETF - LARGE CAP 922908637   37,162 155 SH   SOLE   155 0 0
VANGUARD EXTENDED MARKET ETF ETF - MID CAP 922908652   151,256 863 SH   SOLE   863 0 0
VANGUARD GROWTH ETF ETF - LARGE CAP 922908736   108,766 316 SH   SOLE   316 0 0
VANGUARD INDEX FUNDS SMALL CAP ETF - SMALL CAP 922908751   36,116 158 SH   SOLE   158 0 0
VANGUARD TOTAL STOCK MARKET INDEX ETF - LARGE CAP 922908769   951,443 3,661 SH   SOLE   3,661 0 0
VERALTO CORP COMMON STOCK 92338C103   3,811 43 SH   DFND   43 0 0
VERIZON COMMUNICATIONS INC COM COMMON STOCK 92343V104   181,007 4,315 SH   SOLE   4,315 0 0
VISA INC COMMON STOCK 92826C839   219,906 788 SH   SOLE   788 0 0
WEC ENERGY GROUP INC COMMON STOCK 92939U106   90,332 1,100 SH   SOLE   1,100 0 0
WAL-MART STORES, INC COMMON STOCK 931142103   7,400 123 SH   SOLE   123 0 0
WAL-MART STORES, INC COMMON STOCK 931142103   34,296 570 SH   DFND   570 0 0
WALGREENS BOOTS ALLIANCE COMMON STOCK 931427108   16,606 766 SH   SOLE   766 0 0
WASTE MGMT INC DEL COM COMMON STOCK 94106L109   21,315 100 SH   SOLE   100 0 0
WEBSTER FINL CORP CONN COM COMMON STOCK 947890109   63,868 1,258 SH   SOLE   1,258 0 0
WELLS FARGO & CO NEW COMMON STOCK 949746101   56,384 973 SH   SOLE   973 0 0
WELLS FARGO & CO NEW COMMON STOCK 949746101   18,544 320 SH   DFND   320 0 0
WELLS FARGO PFD L PREFERRED STOCK 949746804   14,632 12 SH   SOLE   12 0 0
WELLS FARGO PFD L PREFERRED STOCK 949746804   24,387 20 SH   DFND   20 0 0
WEYERHAEUSER CO COMMON STOCK 962166104   67,275 1,874 SH   SOLE   1,874 0 0
WEYERHAEUSER CO COMMON STOCK 962166104   59,055 1,645 SH   DFND   1,645 0 0
WHIRLPOOL CORPORATION COM COMMON STOCK 963320106   9,570 80 SH   DFND   80 0 0
WORKDAY, INC. COMMON STOCK 98138H101   19,092 70 SH   SOLE   70 0 0
XCEL ENERGY INC COMMON STOCK 98389B100   18,651 347 SH   SOLE   347 0 0
XYLEM INC COMMON STOCK 98419M100   131,563 1,018 SH   SOLE   1,018 0 0
ZIMMER BIOMET HLDGS INC COMMON STOCK 98956P102   49,492 375 SH   SOLE   375 0 0
ZOETIS INC COMMON STOCK 98978V103   947,884 5,602 SH   SOLE   5,273 0 329