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   22,764 64 SH   SOLE   64 0 0
ACCENTURE PLC FOREIGN EQUITIES G1151C101   751,571 2,814 SH   SOLE   2,696 0 118
ACCENTURE PLC FOREIGN EQUITIES G1151C101   253,735 950 SH   DFND   950 0 0
EATON CORP PLC FOREIGN EQUITIES G29183103   141,573 368 SH   SOLE   368 0 0
JOHNSON CTLS INTL PLC FOREIGN EQUITIES G51502105   15,225 145 SH   SOLE   145 0 0
LINDE PLC NPV COMMON STOCK G54950103   484,178 1,052 SH   SOLE   1,004 0 48
LINDE PLC NPV COMMON STOCK G54950103   46,026 100 SH   DFND   100 0 0
MEDTRONIC PLC FOREIGN EQUITIES G5960L103   13,536 150 SH   SOLE   150 0 0
ALCON INC CHF FOREIGN EQUITIES H01301128   3,502 40 SH   DFND   40 0 0
CHUBB LTD CHF COMMON STOCK H1467J104   89,384 336 SH   SOLE   336 0 0
UBS GROUP AG COMMON STOCK H42097107   15,301 410 SH   SOLE   410 0 0
NXP SEMICONDUCTORS NV FOREIGN EQUITIES N6596X109   137,881 645 SH   SOLE   645 0 0
AFLAC INCORPORATED COMMON STOCK 001055102   171,394 1,725 SH   SOLE   1,725 0 0
AFLAC INCORPORATED COMMON STOCK 001055102   29,808 300 SH   DFND   300 0 0
AT&T INC COMMON STOCK 00206R102   385,568 14,072 SH   SOLE   14,072 0 0
AT&T INC COMMON STOCK 00206R102   41,100 1,500 SH   DFND   1,500 0 0
ABBOTT LABS COM COMMON STOCK 002824100   921,810 7,305 SH   SOLE   7,305 0 0
ABBOTT LABS COM COMMON STOCK 002824100   169,093 1,340 SH   DFND   1,340 0 0
ABBVIE INC COMMON STOCK 00287Y109   659,480 3,489 SH   SOLE   3,489 0 0
ABBVIE INC COMMON STOCK 00287Y109   233,439 1,235 SH   DFND   935 0 300
ADOBE SYSTEMS INC COMMON STOCK 00724F101   284,003 794 SH   SOLE   794 0 0
ADVANCED MICRO DEVICES COMMON STOCK 007903107   17,631 100 SH   DFND   100 0 0
AIR PRODUCTS AND CHEMICALS INC. COMMON STOCK 009158106   35,983 125 SH   SOLE   125 0 0
ALPHABET INC COMMON STOCK 02079K107   389,188 2,018 SH   SOLE   2,018 0 0
ALPHABET INC COMMON STOCK 02079K107   46,286 240 SH   DFND   240 0 0
ALPHABET INC COMMON STOCK 02079K305   2,961,193 15,431 SH   SOLE   15,160 0 271
ALPHABET INC COMMON STOCK 02079K305   46,056 240 SH   DFND   240 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103   181,883 2,937 SH   SOLE   2,937 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103   43,351 700 SH   DFND   300 0 400
AMAZON.COM INC COMMON STOCK 023135106   2,393,276 10,223 SH   SOLE   10,081 0 142
AMAZON.COM INC COMMON STOCK 023135106   117,055 500 SH   DFND   500 0 0
AMEREN CORP COMMON STOCK 023608102   20,226 200 SH   SOLE   200 0 0
AMERICA MOVIL S.A.B. DE C.V. FOREIGN EQUITIES 02390A101   12,642 700 SH   SOLE   700 0 0
AMENTUM HOLDINGS INC COMMON STOCK 023939101   3,343 134 SH   SOLE   134 0 0
AMERICAN ELEC PWR INC COM COMMON STOCK 025537101   26,022 230 SH   SOLE   230 0 0
AMERICAN EXPRESS CO COM COMMON STOCK 025816109   761,712 2,545 SH   SOLE   2,545 0 0
AMERICAN TOWER REIT COMMON STOCK 03027X100   544,513 2,613 SH   SOLE   2,613 0 0
AMERICAN WTR WKS CO INC NEW COM COMMON STOCK 030420103   450,571 3,213 SH   SOLE   3,045 0 168
AMGEN INC. COMMON STOCK 031162100   369,152 1,251 SH   SOLE   1,251 0 0
ANALOG DEVICES INC COMMON STOCK 032654105   56,605 252 SH   SOLE   252 0 0
APPLE INCORPORATED COMMON STOCK 037833100   4,214,253 20,303 SH   SOLE   20,065 0 238
APPLE INCORPORATED COMMON STOCK 037833100   252,612 1,217 SH   DFND   1,217 0 0
APPLIED MATERIALS COM COMMON STOCK 038222105   370,380 2,057 SH   SOLE   2,057 0 0
ARM HOLDINGS PLC COMMON STOCK 042068205   16,257 115 SH   SOLE   115 0 0
AUTOMATIC DATA PROCESSING COM COMMON STOCK 053015103   1,518,091 4,905 SH   SOLE   4,905 0 0
AUTOMATIC DATA PROCESSING COM COMMON STOCK 053015103   312,595 1,010 SH   DFND   880 0 130
BAKER HUGHES INC. CL A COMMON COMMON STOCK 05722G100   3,511 78 SH   SOLE   78 0 0
BANK OF AMERICA CORP NEW COMMON STOCK 060505104   532,679 11,269 SH   SOLE   11,269 0 0
BECTON DICKINSON & CO. COMMON STOCK 075887109   70,230 394 SH   SOLE   394 0 0
BERKSHIRE HATHAWAY INC COM COMMON STOCK 084670108   23,035,200 32 SH   SOLE   32 0 0
BERKSHIRE HATHAWAY INC. DEL CL B COMMON STOCK 084670702   586,542 1,243 SH   SOLE   1,243 0 0
ISHARES SHORT-TERM CALIFORNIA MUNI ACTIVE ETF ETF - INTERM 092528884   284,600 5,639 SH   SOLE   5,639 0 0
ISHARES SHORT-TERM CALIFORNIA MUNI ACTIVE ETF ETF - INTERM 092528884   46,180 915 SH   DFND   0 915 0
BLACKSTONE GROUP INC COMMON STOCK 09260D107   1,435,373 8,299 SH   SOLE   8,057 0 242
BLACKSTONE GROUP INC COMMON STOCK 09260D107   7,783 45 SH   DFND   45 0 0
BLACKROCK INTERNATIONAL DIVIDEND ETF ETF - DEVELOPED INTL 09290C848   385,178 14,640 SH   SOLE   14,640 0 0
BLACKROCK INC NEW NPV COMMON STOCK 09290D101   457,885 414 SH   SOLE   414 0 0
BRISTOL MYERS SQUIBB CO COM COMMON STOCK 110122108   368,866 8,517 SH   SOLE   8,517 0 0
BRISTOL MYERS SQUIBB CO COM COMMON STOCK 110122108   55,436 1,280 SH   DFND   860 0 420
BROADRIDGE FINL SOLUTIONS COMMON STOCK 11133T103   153,456 620 SH   SOLE   620 0 0
BROADCOM INC COMMON STOCK 11135F101   1,395,893 4,753 SH   SOLE   4,548 0 205
BROADCOM INC COMMON STOCK 11135F101   9,398 32 SH   DFND   32 0 0
CBRE GROUP INC CL A COMMON STOCK 12504L109   135,173 868 SH   SOLE   732 0 136
CIGNA CORPORATION COMMON STOCK 125523100   18,449 69 SH   SOLE   69 0 0
CME GROUP INC COMMON STOCK 12572Q105   390,680 1,404 SH   SOLE   1,271 0 133
CSX CORP COM COMMON STOCK 126408103   135,052 3,800 SH   SOLE   3,800 0 0
CVS HEALTH CORP COM COMMON STOCK 126650100   151,397 2,438 SH   SOLE   2,438 0 0
CARRIER GLOBAL CORP COMMON STOCK 14448C104   77,116 1,124 SH   SOLE   1,124 0 0
CASEYS GEN STORES COMMON STOCK 147528103   547,676 1,053 SH   SOLE   1,000 0 53
CASEYS GEN STORES COMMON STOCK 147528103   9,882 19 SH   DFND   19 0 0
CATERPILLAR INC COM COMMON STOCK 149123101   644,303 1,471 SH   SOLE   1,471 0 0
CATERPILLAR INC COM COMMON STOCK 149123101   41,610 95 SH   DFND   95 0 0
CHEVRON CORPORATION COM COMMON STOCK 166764100   1,069,496 7,053 SH   SOLE   7,053 0 0
CHIPOTLE MEXICAN GRILL COMMON STOCK 169656105   48,796 1,138 SH   SOLE   1,138 0 0
CHURCH & DWIGHT CO.INC COMMON STOCK 171340102   131,278 1,400 SH   SOLE   1,400 0 0
CISCO SYSTEMS INC COM COMMON STOCK 17275R102   600,049 8,814 SH   SOLE   8,814 0 0
CITIGROUP INC COMMON STOCK 172967424   143,173 1,528 SH   SOLE   1,528 0 0
CITIGROUP INC COMMON STOCK 172967424   37,480 400 SH   DFND   400 0 0
CLOROX CO CALIF COM STK COMMON STOCK 189054109   103,460 824 SH   SOLE   824 0 0
COCA COLA COMPANY COM COMMON STOCK 191216100   465,248 6,854 SH   SOLE   6,854 0 0
COCA COLA COMPANY COM COMMON STOCK 191216100   16,970 250 SH   DFND   250 0 0
COLGATE PALMOLIVE CO COM COMMON STOCK 194162103   25,907 309 SH   SOLE   309 0 0
COMCAST CORP NEW CL A COMMON STOCK 20030N101   37,505 1,129 SH   SOLE   1,129 0 0
COMCAST CORP NEW CL A COMMON STOCK 20030N101   29,898 900 SH   DFND   900 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104   122,507 1,285 SH   SOLE   1,285 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104   30,985 325 SH   DFND   0 0 325
CONSOLIDATED EDISON INC COM COMMON STOCK 209115104   93,874 907 SH   SOLE   907 0 0
CORTEVA, INC. COMMON STOCK 22052L104   29,067 403 SH   SOLE   403 0 0
COSTCO WHOLESALE CORPORATION COMMON STOCK 22160K105   2,034,296 2,165 SH   SOLE   2,143 0 22
COSTCO WHOLESALE CORPORATION COMMON STOCK 22160K105   244,306 260 SH   DFND   260 0 0
CROWDSTIKE HOLDINGS INC. COMMON STOCK 22788C105   45,457 100 SH   SOLE   100 0 0
CUMMINS INC COMMON STOCK 231021106   237,471 646 SH   SOLE   646 0 0
DTE ENERGY CO COMMON STOCK 233331107   13,841 100 SH   SOLE   100 0 0
DANAHER CORP COMMON STOCK 235851102   559,135 2,836 SH   SOLE   2,836 0 0
DANAHER CORP COMMON STOCK 235851102   25,630 130 SH   DFND   130 0 0
DARDEN RESTAURANTS, INC COM COMMON STOCK 237194105   30,250 150 SH   SOLE   150 0 0
DEERE & COMPANY COMMON STOCK 244199105   208,694 398 SH   SOLE   398 0 0
DEERE & COMPANY COMMON STOCK 244199105   62,923 120 SH   DFND   120 0 0
WALT DISNEY COMPANY COM COMMON STOCK 254687106   193,075 1,621 SH   SOLE   1,621 0 0
WALT DISNEY COMPANY COM COMMON STOCK 254687106   53,599 450 SH   DFND   450 0 0
DOMINION RES INC VA NEW COM COMMON STOCK 25746U109   96,149 1,645 SH   SOLE   1,645 0 0
DOMINION RES INC VA NEW COM COMMON STOCK 25746U109   17,535 300 SH   DFND   0 0 300
DOMINO'S PIZZA INC COMMON STOCK 25754A201   4,168 9 SH   DFND   9 0 0
DOW INC COM COMMON STOCK 260557103   6,402 275 SH   SOLE   275 0 0
DOW INC COM COMMON STOCK 260557103   7,053 303 SH   DFND   20 0 283
DUKE ENERGY CORP NEW COMMON STOCK 26441C204   264,196 2,172 SH   SOLE   2,172 0 0
DUKE ENERGY CORP NEW COMMON STOCK 26441C204   109,596 901 SH   DFND   751 0 150
DUPONT DE NEMOURS, INC. COMMON STOCK 26614N102   35,302 491 SH   SOLE   491 0 0
DUPONT DE NEMOURS, INC. COMMON STOCK 26614N102   1,438 20 SH   DFND   20 0 0
EOG RES INC COMMON STOCK 26875P101   378,651 3,155 SH   SOLE   3,004 0 151
ECOLAB INC COMMON STOCK 278865100   54,445 208 SH   SOLE   208 0 0
EMERSON ELEC CO COM COMMON STOCK 291011104   126,881 872 SH   SOLE   872 0 0
EMERSON ELEC CO COM COMMON STOCK 291011104   203,714 1,400 SH   DFND   1,400 0 0
ENBRIDGE INC NPV FOREIGN EQUITIES 29250N105   654,022 14,441 SH   SOLE   14,441 0 0
ENBRIDGE INC NPV FOREIGN EQUITIES 29250N105   317,979 7,021 SH   DFND   6,335 0 686
ENTERGY CORPORATION COMMON STOCK 29364G103   22,607 250 SH   SOLE   250 0 0
EQUINIX INC COM PAR $0.001 COMMON STOCK 29444U700   73,019 93 SH   SOLE   93 0 0
ESCO TECHNOLOGIES INC COMMON STOCK 296315104   41,064 212 SH   SOLE   212 0 0
EVERSOURCE ENERGY COMMON STOCK 30040W108   830,479 12,564 SH   SOLE   12,564 0 0
EXXON MOBIL CORP COM COMMON STOCK 30231G102   3,248,477 29,098 SH   SOLE   28,911 0 187
EXXON MOBIL CORP COM COMMON STOCK 30231G102   215,465 1,930 SH   DFND   1,530 0 400
META PLATFORMS COMMON STOCK 30303M102   1,463,322 1,892 SH   SOLE   1,823 0 69
META PLATFORMS COMMON STOCK 30303M102   116,016 150 SH   DFND   150 0 0
FASTENAL COMMON STOCK 311900104   18,452 400 SH   DFND   400 0 0
FEDEX CORPORATION COMMON STOCK 31428X106   71,962 322 SH   SOLE   322 0 0
FEDEX CORPORATION COMMON STOCK 31428X106   22,349 100 SH   DFND   100 0 0
FISERV INC COMMON STOCK 337738108   236,198 1,700 SH   SOLE   1,700 0 0
FLEXSHARES 3 YEAR DURATION TIPS ETF ETF - INFLATION PROTECTED 33939L506   1,958 81 SH   SOLE   81 0 0
FREEPORT-MCMORAN COPPER COMMON STOCK 35671D857   6,034 150 SH   SOLE   150 0 0
GE HEALTHCARE TECHNOLOGIES, INC. COMMON STOCK 36266G107   17,613 247 SH   SOLE   247 0 0
GE VERNOVA INC. COMMON STOCK 36828A101   435,776 660 SH   SOLE   627 0 33
GENERAL DYNAMICS CORP COMMON STOCK 369550108   135,233 434 SH   SOLE   434 0 0
GE AEROSPACE COMMON STOCK 369604301   823,499 3,038 SH   SOLE   2,864 0 174
GENERAL MILLS INC COM COMMON STOCK 370334104   104,549 2,135 SH   SOLE   2,135 0 0
GENERAL MILLS INC COM COMMON STOCK 370334104   9,794 200 SH   DFND   200 0 0
GENUINE PARTS CO COMMON STOCK 372460105   25,776 200 SH   SOLE   200 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103   23,019 205 SH   SOLE   205 0 0
GLAXO SMITHKLINE PLC ADR NEW COMMON STOCK 37733W204   98,083 2,641 SH   SOLE   2,641 0 0
GOLDMAN SACHS GROUP COMMON STOCK 38141G104   78,869 109 SH   SOLE   109 0 0
HP INC COMMON STOCK 40434L105   31,309 1,263 SH   SOLE   1,263 0 0
HEICO CORP COMMON STOCK 422806109   5,555 17 SH   DFND   17 0 0
HEWLETT PACKARD ENT CO COMMON STOCK 42824C109   26,118 1,263 SH   SOLE   1,263 0 0
THE HOME DEPOT, INC COMMON STOCK 437076102   860,316 2,341 SH   SOLE   2,264 0 77
THE HOME DEPOT, INC COMMON STOCK 437076102   358,322 975 SH   DFND   975 0 0
HONEYWELL INTL INC COM COMMON STOCK 438516106   826,249 3,716 SH   SOLE   3,716 0 0
IDACORP INC. COMMON STOCK 451107106   93,997 750 SH   SOLE   750 0 0
IDEXX LABORATORIES INC COMMON STOCK 45168D104   2,137,200 4,000 SH   SOLE   0 0 4,000
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109   38,395 150 SH   DFND   150 0 0
INTEL CORP COM COMMON STOCK 458140100   2,750 139 SH   SOLE   139 0 0
INTERCONTINENTAL EXCHANGE COMMON STOCK 45866F104   158,212 856 SH   SOLE   856 0 0
INTERCONTINENTAL EXCHANGE COMMON STOCK 45866F104   73,932 400 SH   DFND   400 0 0
INTERNAT'L BUSINESS MACHINES COM COMMON STOCK 459200101   309,848 1,224 SH   SOLE   1,224 0 0
INTERNAT'L BUSINESS MACHINES COM COMMON STOCK 459200101   227,834 900 SH   DFND   900 0 0
INVESCO QQ ETF - LARGE CAP 46090E103   1,150,924 2,037 SH   SOLE   2,037 0 0
INTUIT COM COMMON STOCK 461202103   553,516 705 SH   SOLE   705 0 0
INVESCO S&P 500 QUALITY ETF ETF - LARGE CAP 46137V241   33,497,971 469,293 SH   SOLE   457,414 0 11,879
INVESCO S&P 500 QUALITY ETF ETF - LARGE CAP 46137V241   18,201 255 SH   DFND   255 0 0
INVESCO EXCHNG TRADED FD TR GLOBAL WATER ETF - LARGE CAP 46138E651   43,056 979 SH   SOLE   979 0 0
ISHARES SELECT DIVIDEND ETF ETF - MID CAP 464287168   1,736,726 12,860 SH   SOLE   12,860 0 0
ISHARES SELECT DIVIDEND ETF ETF - MID CAP 464287168   47,131 349 SH   DFND   349 0 0
ISHARES CORE S&P 500 ETF ETF - LARGE CAP 464287200   591,074 931 SH   SOLE   931 0 0
ISHARES CORE TOTAL U S BOND MARKET ETF ETF - INTERM 464287226   818,044 8,295 SH   SOLE   8,295 0 0
ISHARES MSCI EMERGING MKTS INDEX ETF - EMERGING INTL 464287234   218,858 4,507 SH   SOLE   4,507 0 0
ISHARES MSCI EMERGING MKTS INDEX ETF - EMERGING INTL 464287234   21,123 435 SH   DFND   435 0 0
ISHARES IBOXX $ INV GRADE CORP BOND ETF ETF - INTERM 464287242   62,083 569 SH   SOLE   569 0 0
ISHARES GLOBAL COMMUNICATION SERVICES ETF ETF - LARGE CAP 464287275   8,287 73 SH   SOLE   73 0 0
ISHARES S&P GROWTH INDEX FUND ETF - LARGE CAP 464287309   1,163,940 10,219 SH   SOLE   10,219 0 0
ISHARES S&P GROWTH INDEX FUND ETF - LARGE CAP 464287309   153,651 1,349 SH   DFND   1,349 0 0
ISHARES S&P VALUE INDEX FUND ETF - LARGE CAP 464287408   362,047 1,838 SH   SOLE   1,838 0 0
ISHARES S&P VALUE INDEX FUND ETF - LARGE CAP 464287408   60,472 307 SH   DFND   307 0 0
ISHS BARCLAYS 1-3 YR TREAS BD FD ETF - SHORT 464287457   44,890 544 SH   SOLE   544 0 0
ISHARES MSCI EAFE INDEX ETF - DEVELOPED INTL 464287465   92,595 1,058 SH   SOLE   1,058 0 0
ISHARES MSCI EAFE INDEX ETF - DEVELOPED INTL 464287465   30,544 349 SH   DFND   349 0 0
ISHARES RUSSELL MIDCAP VALUE INDEX FUND ETF - MID CAP 464287473   267,791 1,990 SH   SOLE   1,990 0 0
ISHARES RUSSELL MIDCAP VALUE INDEX FUND ETF - MID CAP 464287473   9,419 70 SH   DFND   70 0 0
ISHARES RUSSELL MIDCAP GROWTH INDEX FUND ETF - MID CAP 464287481   112,426 795 SH   SOLE   795 0 0
ISHARES RUSSELL MIDCAP GROWTH INDEX FUND ETF - MID CAP 464287481   24,889 176 SH   DFND   176 0 0
ISHARES RUSSELL MIDCAP INDEX FUND ETF - EQUITIES 464287499   311,960 3,329 SH   SOLE   3,329 0 0
ISHARES CORE S&P MID-CAP ETF ETF - MID CAP 464287507   9,822,365 155,863 SH   SOLE   155,616 0 247
NASDAQ BIOTECHNOLOGY I SHARES ETF - EQUITIES 464287556   59,742 450 SH   SOLE   450 0 0
NASDAQ BIOTECHNOLOGY I SHARES ETF - EQUITIES 464287556   99,570 750 SH   DFND   750 0 0
ISHARES RUSSELL 1000 VALUE INDEX ETF - EQUITIES 464287598   138,357 708 SH   SOLE   708 0 0
I SHS RUSSELL 1000 GROWTH INDEX G ETF - LARGE CAP 464287614   972,401 2,208 SH   SOLE   2,208 0 0
I SHS RUSSELL 1000 ETF - LARGE CAP 464287622   438,701 1,263 SH   SOLE   1,263 0 0
ISHARES RUSSELL 2000 VALUE INDEX FUND ETF - SMALL CAP 464287630   230,956 1,440 SH   SOLE   1,440 0 0
ISHARES RUSSELL 2000 VALUE INDEX FUND ETF - SMALL CAP 464287630   9,783 61 SH   DFND   61 0 0
ISHARES RUSSELL 2000 GROWTH INDEX FUND ETF - SMALL CAP 464287648   53,382 184 SH   SOLE   184 0 0
ISHARES RUSSELL 2000 GROWTH INDEX FUND ETF - SMALL CAP 464287648   17,698 61 SH   DFND   61 0 0
ISHARES RUSSELL 2000 INDEX ETF - SMALL CAP 464287655   4,702,111 21,433 SH   SOLE   21,433 0 0
ISHARES RUSSELL 2000 INDEX ETF - SMALL CAP 464287655   19,525 89 SH   DFND   89 0 0
ISHS RUSSELL 3000 INDEX ETF - LARGE CAP 464287689   207,472 578 SH   SOLE   578 0 0
ISHS TR S&P MDCP 400 VALUE ETF ETF - MID CAP 464287705   21,938 176 SH   SOLE   176 0 0
ISHARES CORE S&P SMALL-CAP ETF ETF - SMALL CAP 464287804   2,965,592 26,892 SH   SOLE   25,366 0 1,526
ISHARES CALIFORNIA MUNI BONDETF ETF - INTERM 464288356   264,511 4,772 SH   SOLE   4,772 0 0
ISHARES CALIFORNIA MUNI BONDETF ETF - INTERM 464288356   90,849 1,639 SH   DFND   0 1,639 0
ISHARES S&P NATL MUNI BOND FUND ETF - INTERM 464288414   338,198 3,256 SH   SOLE   3,256 0 0
ISHARES S&P NATL MUNI BOND FUND ETF - INTERM 464288414   45,598 439 SH   DFND   439 0 0
ISHARES HI YIELD CORPORATE BOND ETF - HIGH YIELD 464288513   131,981 1,642 SH   SOLE   1,642 0 0
ETF ISHS INTER GOVT CR BD ETF - INTERM 464288612   3,660,724 34,412 SH   SOLE   34,412 0 0
ETF ISHS INTER GOVT CR BD ETF - INTERM 464288612   40,956 385 SH   DFND   385 0 0
ISHS BARCLAYS INTERMEDIATE TERM CREDIT BOND FD ETF - INTERM 464288638   23,917 450 SH   SOLE   450 0 0
ISHARES SHORT-TERM CORP BOND ETF - SHORT 464288646   838,282 15,928 SH   SOLE   15,928 0 0
ISHARES SHORT-TERM CORP BOND ETF - SHORT 464288646   5,473 104 SH   DFND   104 0 0
ISHARES S&P US PREFERRED STOCK INDEX FUND PREFERRED STOCK 464288687   110,591 3,539 SH   SOLE   3,539 0 0
ISHARES TRUST FLOATING RATE BOND ETF ETF - SHORT 46429B655   851,836 16,690 SH   SOLE   16,690 0 0
ISHARES EDGE MSCI MIN VOL USA ETF ETF - EQUITIES 46429B697   68,531 740 SH   SOLE   740 0 0
ISHARES EDGE MSCI US QULTY FACT ETF ETF - DEVELOPED INTL 46432F339   107,341 583 SH   SOLE   583 0 0
ISHARES CORE MSCI EAFE ETF ETF - EMERGING INTL 46432F842   68,851 841 SH   SOLE   841 0 0
ISHARES INC CORE MSCI EMERGING MKTS ETF ETF - EMERGING INTL 46434G103   55,381 918 SH   SOLE   918 0 0
ISHARES ESG AWARE MSCI EMERGING MKTS FUND ETF - EMERGING INTL 46434G863   137,796 3,493 SH   SOLE   3,493 0 0
ISHARES BITCOIN TRUST ETF ETF - EQUITIES 46438F101   59,877 903 SH   SOLE   903 0 0
J P MORGAN CHASE & CO COMMON STOCK 46625H100   2,802,302 9,460 SH   SOLE   9,336 0 124
J P MORGAN CHASE & CO COMMON STOCK 46625H100   503,590 1,700 SH   DFND   1,700 0 0
JACOBS SOLUTIONS INC COMMON STOCK 46982L108   22,698 160 SH   SOLE   160 0 0
JOHNSON & JOHNSON COM COMMON STOCK 478160104   825,663 5,012 SH   SOLE   5,012 0 0
JOHNSON & JOHNSON COM COMMON STOCK 478160104   28,005 170 SH   DFND   125 0 45
KIMBERLY CLARK CORP COM COMMON STOCK 494368103   383,203 3,075 SH   SOLE   3,075 0 0
KIMBERLY CLARK CORP COM COMMON STOCK 494368103   65,300 524 SH   DFND   524 0 0
KRAFT HEINZ CO COMMON STOCK 500754106   9,688 353 SH   SOLE   353 0 0
LAM RESH CORP USD COMMON STOCK 512807306   93,416 985 SH   SOLE   985 0 0
ELI LILLY & CO COM COMMON STOCK 532457108   744,504 1,006 SH   SOLE   1,006 0 0
ELI LILLY & CO COM COMMON STOCK 532457108   388,536 525 SH   DFND   525 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109   716,039 1,701 SH   SOLE   1,638 0 63
LOCKHEED MARTIN CORP COMMON STOCK 539830109   42,097 100 SH   DFND   100 0 0
LOWES COMPANIES INC COM STK COMMON STOCK 548661107   469,715 2,101 SH   SOLE   2,101 0 0
MARSH & MCLENNAN COMPANIES, INC COMMON STOCK 571748102   101,989 512 SH   SOLE   512 0 0
MARRIOTT INTERNATIONAL INC NEW CLASS A COMMON STOCK 571903202   19,785 75 SH   SOLE   75 0 0
MASCO CORPORATION COMMON STOCK 574599106   39,174 575 SH   SOLE   575 0 0
MASTERCARD INC COMMON STOCK 57636Q104   1,781,490 3,145 SH   SOLE   3,084 0 61
MASTERCARD INC COMMON STOCK 57636Q104   113,292 200 SH   DFND   200 0 0
MCCORMICK & CO INC COMMON STOCK 579780206   37,292 528 SH   SOLE   528 0 0
MCDONALDS CORP COM COMMON STOCK 580135101   1,097,647 3,658 SH   SOLE   3,658 0 0
MCDONALDS CORP COM COMMON STOCK 580135101   180,041 600 SH   DFND   600 0 0
MCKESSON CORP COMMON STOCK 58155Q103   196,268 283 SH   SOLE   283 0 0
MCKESSON CORP COMMON STOCK 58155Q103   69,353 100 SH   DFND   100 0 0
MERCK & CO INC NEW COMMON STOCK 58933Y105   398,404 5,100 SH   SOLE   5,100 0 0
MERCK & CO INC NEW COMMON STOCK 58933Y105   16,639 213 SH   DFND   0 0 213
METLIFE INC COMMON STOCK 59156R108   174,606 2,299 SH   SOLE   2,299 0 0
MICROSOFT CORP COMMON STOCK 594918104   8,087,840 15,160 SH   SOLE   14,986 0 174
MICROSOFT CORP COMMON STOCK 594918104   679,678 1,274 SH   DFND   1,119 0 155
MICROCHIP TECHNOLOGY INC COMMON STOCK 595017104   163,699 2,422 SH   SOLE   2,422 0 0
MICRON TECHNOLOGY INC COM COMMON STOCK 595112103   28,376 260 SH   SOLE   260 0 0
MONDELEZ INTL INC COMMON STOCK 609207105   484,894 7,496 SH   SOLE   7,136 0 360
MONDELEZ INTL INC COMMON STOCK 609207105   154,348 2,386 SH   DFND   2,110 0 276
MORGAN STANLEY COMMON STOCK 617446448   92,456 649 SH   SOLE   649 0 0
NBT BANCORP INC COMMON STOCK 628778102   376,763 9,105 SH   SOLE   9,105 0 0
NETFLIX INC COMMON STOCK 64110L106   107,824 93 SH   SOLE   93 0 0
NETFLIX INC COMMON STOCK 64110L106   231,880 200 SH   DFND   200 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101   92,731 1,305 SH   SOLE   1,305 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101   302,004 4,250 SH   DFND   4,250 0 0
NIKE INC CL B COMMON STOCK 654106103   73,118 979 SH   SOLE   979 0 0
NIKE INC CL B COMMON STOCK 654106103   22,407 300 SH   DFND   300 0 0
NORFOLK SOUTHN CORP COM COMMON STOCK 655844108   1,133,684 4,078 SH   SOLE   4,078 0 0
NORFOLK SOUTHN CORP COM COMMON STOCK 655844108   139,000 500 SH   DFND   500 0 0
NORTH EUROPEAN OIL ROYALTY TRUST COMMON STOCK 659310106   128,797 25,863 SH   SOLE   25,863 0 0
NOVARTIS A G ADR COMMON STOCK 66987V109   120,107 1,056 SH   SOLE   1,056 0 0
NOVARTIS A G ADR COMMON STOCK 66987V109   96,678 850 SH   DFND   850 0 0
NOVO NORDISK AS ADR COMMON STOCK 670100205   346,149 7,356 SH   SOLE   6,976 0 380
NOVO NORDISK AS ADR COMMON STOCK 670100205   4,235 90 SH   DFND   90 0 0
NUCOR CORP COMMON STOCK 670346105   142,353 995 SH   DFND   995 0 0
NVIDIA CORP COMMON STOCK 67066G104   2,915,803 16,393 SH   SOLE   16,004 0 389
NVIDIA CORP COMMON STOCK 67066G104   17,787 100 SH   DFND   100 0 0
O'REILLY AUTOMOTIVE INC. COMMON STOCK 67103H107   284,636 2,895 SH   SOLE   2,895 0 0
OMNICOM GROUP INC COMMON STOCK 681919106   48,699 676 SH   SOLE   676 0 0
ORACLE CORPORATION COM COMMON STOCK 68389X105   1,716,481 6,764 SH   SOLE   6,436 0 328
ORACLE CORPORATION COM COMMON STOCK 68389X105   88,819 350 SH   DFND   350 0 0
OTIS WORLDWIDE CORP COMMON STOCK 68902V107   35,218 411 SH   SOLE   411 0 0
PACER DATA AND DIGITAL REVOLUTION ETF - LARGE CAP 69374H386   9,056 146 SH   SOLE   146 0 0
PALO ALTO NETWORKS INC COMMON STOCK 697435105   209,527 1,207 SH   SOLE   1,098 0 109
PARKER HANNIFIN CORP COMMON STOCK 701094104   204,932 280 SH   SOLE   280 0 0
PAYCOM SOFTWARE INC COMMON STOCK 70432V102   116,927 505 SH   SOLE   505 0 0
PAYCHEX INC COM STK COMMON STOCK 704326107   173,337 1,201 SH   SOLE   1,201 0 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103   11,001 160 SH   DFND   160 0 0
PEPSICO, INC COM COMMON STOCK 713448108   894,535 6,486 SH   SOLE   6,486 0 0
PEPSICO, INC COM COMMON STOCK 713448108   137,920 1,000 SH   DFND   1,000 0 0
PFIZER INC COM COMMON STOCK 717081103   282,245 12,124 SH   SOLE   12,124 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109   128,612 784 SH   SOLE   784 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109   79,892 487 SH   DFND   200 0 287
PHOTRONICS INC COMMON STOCK 719405102   101,800 5,000 SH   SOLE   5,000 0 0
T ROWE PRICE GROUP COMMON STOCK 74144T108   20,290 200 SH   DFND   200 0 0
PRINCIPAL FINANCIAL GROUP COMMON STOCK 74251V102   15,176 195 SH   SOLE   195 0 0
PROCTER & GAMBLE CO COM COMMON STOCK 742718109   1,549,972 10,301 SH   SOLE   10,301 0 0
PROCTER & GAMBLE CO COM COMMON STOCK 742718109   165,516 1,100 SH   DFND   1,100 0 0
PRUDENTIAL FINL INC COM COMMON STOCK 744320102   43,502 420 SH   SOLE   420 0 0
PUBLIC SVC ENTERPRISE GROUP COM COMMON STOCK 744573106   110,441 1,230 SH   SOLE   1,230 0 0
RAYTHEON TECHNOLOGIES CORP. COMMON STOCK 75513E101   841,098 5,338 SH   SOLE   5,338 0 0
RAYTHEON TECHNOLOGIES CORP. COMMON STOCK 75513E101   156,782 995 SH   DFND   795 0 200
SHELL PLC NPV ADR COMMON STOCK 780259305   90,176 1,249 SH   SOLE   1,249 0 0
SPDR S&P 500 ETF TRUST ETF - LARGE CAP 78462F103   11,671,960 18,466 SH   SOLE   18,466 0 0
SPDR S&P 500 ETF TRUST ETF - LARGE CAP 78462F103   466,474 738 SH   DFND   0 738 0
SPDR GOLD TR GOLD SHS ETF - ALTERNATIVE 78463V107   433,218 1,430 SH   SOLE   1,430 0 0
SPDR BARCLAYS CAP CONV SEC ETF - INTERM 78464A359   64,878 764 SH   SOLE   764 0 0
SPDR S&P DIVIDEND ETF ETF - LARGE CAP 78464A763   1,921,536 14,030 SH   SOLE   14,030 0 0
SPDR DOW JONES INDL AVERAGE ETR TR ETF - LARGE CAP 78467X109   104,151 236 SH   SOLE   236 0 0
SPDR S&P MIDCAP 400 ETF TR ETF - MID CAP 78467Y107   3,765,050 6,541 SH   SOLE   6,541 0 0
SPDR S&P MIDCAP 400 ETF TR ETF - MID CAP 78467Y107   23,600 41 SH   DFND   41 0 0
SALESFORCE INC COMMON STOCK 79466L302   40,555 157 SH   SOLE   157 0 0
SALESFORCE INC COMMON STOCK 79466L302   30,998 120 SH   DFND   120 0 0
SCHLUMBERGER LTD COM STK COMMON STOCK 806857108   5,573 165 SH   SOLE   165 0 0
SELECT SECTOR SPDR TR SBI MATERIALS ETF - EQUITIES 81369Y100   87,719 1,000 SH   SOLE   1,000 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE ETF - EQUITIES 81369Y209   117,646 902 SH   SOLE   902 0 0
SPDR CONSUMER DISCRETIONARY ETF - EQUITIES 81369Y407   86,577 391 SH   SOLE   391 0 0
FINANCIAL SELECT SECTOR SPDRETF ETF - EQUITIES 81369Y605   958,498 18,306 SH   SOLE   18,306 0 0
FINANCIAL SELECT SECTOR SPDRETF ETF - EQUITIES 81369Y605   28,798 550 SH   DFND   0 0 550
SELECT SECTOR SPDR TR SBI INT-INDS ETF - EQUITIES 81369Y704   63,691 419 SH   SOLE   419 0 0
TECHNOLOGY SELECT SECTOR SPDR ETF ETF - EQUITIES 81369Y803   28,374 108 SH   SOLE   108 0 0
COMMUNICATION SERVICES SELECT SECTOR SPDR FUND ETF - LARGE CAP 81369Y852   8,054 75 SH   SOLE   75 0 0
SELECT SECTOR SPDR - UTILITIES ETF - EQUITIES 81369Y886   308,579 3,602 SH   SOLE   3,602 0 0
SERVICENOW, INC COMMON STOCK 81762P102   212,199 225 SH   SOLE   225 0 0
SOLVENTUM CORP. COMMON STOCK 83444M101   1,784 25 SH   DFND   25 0 0
SOUTHERN CO COM COMMON STOCK 842587107   619,402 6,556 SH   SOLE   6,556 0 0
SOUTHERN CO COM COMMON STOCK 842587107   22,675 240 SH   DFND   0 0 240
STARBUCKS CORPORATION COMMON STOCK 855244109   150,662 1,690 SH   SOLE   1,690 0 0
STATE STREET CORP COM COMMON STOCK 857477103   8,381 75 SH   SOLE   75 0 0
STRYKER CORP COMMON STOCK 863667101   1,296,742 3,302 SH   SOLE   3,218 0 84
SUNCOR ENERGY, INC. FOREIGN EQUITIES 867224107   97,638 2,475 SH   DFND   2,475 0 0
TJX COS INC COMMON STOCK 872540109   1,405,298 11,285 SH   SOLE   11,027 0 258
TARGET CORP COM COMMON STOCK 87612E106   118,187 1,176 SH   SOLE   1,176 0 0
TARGET CORP COM COMMON STOCK 87612E106   30,150 300 SH   DFND   300 0 0
TESLA MOTORS INC. COMMON COMMON STOCK 88160R101   226,570 735 SH   SOLE   735 0 0
TEXAS INSTRUMENTS, INC COMMON STOCK 882508104   134,888 745 SH   SOLE   745 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102   652,850 1,396 SH   SOLE   1,341 0 55
3M COMPANY COMMON STOCK 88579Y101   248,446 1,665 SH   SOLE   1,665 0 0
3M COMPANY COMMON STOCK 88579Y101   138,325 927 SH   DFND   927 0 0
TRACTOR SUPPLY CO. COMMON STOCK 892356106   330,353 5,801 SH   SOLE   5,414 0 387
TRANSDIGM GROUP INC COMMON STOCK 893641100   120,634 75 SH   DFND   75 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109   719,788 2,766 SH   SOLE   2,766 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109   169,148 650 SH   DFND   650 0 0
TRUIST FINL CORP COM COMMON STOCK 89832Q109   62,446 1,429 SH   SOLE   1,429 0 0
TRUIST FINL CORP COM COMMON STOCK 89832Q109   21,850 500 SH   DFND   500 0 0
U S BANCORP DEL COMMON STOCK 902973304   17,979 400 SH   SOLE   400 0 0
UNION PAC CORP COM COMMON STOCK 907818108   445,032 2,005 SH   SOLE   1,916 0 89
UNION PAC CORP COM COMMON STOCK 907818108   44,394 200 SH   DFND   200 0 0
UNITED PARCEL SERVICE COMMON STOCK 911312106   79,858 927 SH   SOLE   927 0 0
UNITED PARCEL SERVICE COMMON STOCK 911312106   43,074 500 SH   DFND   500 0 0
UNITED HEALTH GROUP INC COMMON STOCK 91324P102   116,543 467 SH   SOLE   467 0 0
V F CORP COMMON STOCK 918204108   2,051 175 SH   DFND   175 0 0
VAIL RESORTS INC COM COMMON STOCK 91879Q109   52,590 350 SH   SOLE   350 0 0
VANECK VEC RETAIL ETF ETF - LARGE CAP 92189F684   48,246 200 SH   DFND   200 0 0
ETF VANGUARD DIVIDEND APPRECIATION ETF - LARGE CAP 921908844   1,077,274 5,228 SH   SOLE   5,228 0 0
VANGUARD ESG US STK ETF ETF - EQUITIES 921910733   151,902 1,357 SH   SOLE   1,357 0 0
VANGUARD W MEGA CAP 300 INDEX ETF ETF - LARGE CAP 921910873   535,815 2,327 SH   SOLE   2,327 0 0
VANGUARD S&P 500 GROWTH ETF - LARGE CAP 921932505   78,059 190 SH   SOLE   190 0 0
ETF VANGUARD BOND INDEX ETF - INTERM 921937835   128,026 1,749 SH   SOLE   1,749 0 0
VANGUARD DEVELOPED MARKETS ETF ETF - DEVELOPED INTL 921943858   177,315 3,154 SH   SOLE   3,154 0 0
VANGUARD HIGH DIVIDEND YIELD ETF ETF - LARGE CAP 921946406   5,625,257 41,939 SH   SOLE   41,939 0 0
VANGUARD HIGH DIVIDEND YIELD ETF ETF - LARGE CAP 921946406   51,371 383 SH   DFND   383 0 0
VANGUARD ENERGY ETF ETF - EQUITIES 92204A306   517,836 4,229 SH   SOLE   4,229 0 0
VANGUARD INFORMATION TECHNOLOGY VIPERS ETF - EQUITIES 92204A702   2,084,489 3,019 SH   SOLE   3,019 0 0
VANGUARD COMMUNICATION SERVICES ETF ETF - EQUITIES 92204A884   104,943 600 SH   SOLE   600 0 0
VANGUARD FTSE ALL WORLD EX US ETF ETF - DEVELOPED INTL 922042775   376,818 5,658 SH   SOLE   5,658 0 0
VANGUARD FTSE ALL WORLD EX US ETF ETF - DEVELOPED INTL 922042775   129,602 1,946 SH   DFND   1,261 685 0
VANGUART SHORT-TERM TREASUREINDEX FUND ETF - SHORT 92206C102   86,580 1,479 SH   SOLE   1,479 0 0
VANGUARD INDEX FUNDS S&P 500 ETF ETF - LARGE CAP 922908363   195,222 336 SH   SOLE   336 0 0
VANGUARD REIT ETF - EQUITIES 922908553   38,775 435 SH   SOLE   435 0 0
VANGUARD REIT ETF - EQUITIES 922908553   14,708 165 SH   DFND   0 0 165
VANGUARD SMALL CAP ETF - SMALL CAP 922908611   14,870 75 SH   SOLE   75 0 0
ETF VANGUARD MID-CAP ETF - MID CAP 922908629   56,052 196 SH   SOLE   196 0 0
VANGUARD LARGE CAP ETF - LARGE CAP 922908637   91,411 313 SH   SOLE   313 0 0
VANGUARD EXTENDED MARKET ETF ETF - MID CAP 922908652   195,574 989 SH   SOLE   989 0 0
VANGUARD GROWTH ETF ETF - LARGE CAP 922908736   143,833 316 SH   SOLE   316 0 0
VANGUARD INDEX FUNDS SMALL CAP ETF - SMALL CAP 922908751   38,164 158 SH   SOLE   158 0 0
VANGUARD TOTAL STOCK MARKET INDEX ETF - LARGE CAP 922908769   968,381 3,115 SH   SOLE   3,115 0 0
VERALTO CORP COMMON STOCK 92338C103   4,507 43 SH   DFND   43 0 0
VERIZON COMMUNICATIONS INC COM COMMON STOCK 92343V104   154,025 3,603 SH   SOLE   3,603 0 0
VERIZON COMMUNICATIONS INC COM COMMON STOCK 92343V104   35,910 840 SH   DFND   840 0 0
VISA INC COMMON STOCK 92826C839   298,475 864 SH   SOLE   864 0 0
WAL-MART STORES, INC COMMON STOCK 931142103   39,485 403 SH   SOLE   403 0 0
WAL-MART STORES, INC COMMON STOCK 931142103   55,848 570 SH   DFND   570 0 0
WASTE MGMT INC DEL COM COMMON STOCK 94106L109   22,916 100 SH   SOLE   100 0 0
WEBSTER FINL CORP CONN COM COMMON STOCK 947890109   72,523 1,258 SH   SOLE   1,258 0 0
WELLS FARGO & CO NEW COMMON STOCK 949746101   78,450 973 SH   SOLE   973 0 0
WELLS FARGO & CO NEW COMMON STOCK 949746101   25,801 320 SH   DFND   320 0 0
WELLS FARGO PFD L PREFERRED STOCK 949746804   14,214 12 SH   SOLE   12 0 0
WELLS FARGO PFD L PREFERRED STOCK 949746804   23,690 20 SH   DFND   20 0 0
WHIRLPOOL CORPORATION COM COMMON STOCK 963320106   6,643 80 SH   DFND   80 0 0
XYLEM INC COMMON STOCK 98419M100   6,073 42 SH   SOLE   42 0 0
ZOETIS INC COMMON STOCK 98978V103   10,934 75 SH   SOLE   75 0 0