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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ACCENTURE LTD BERMUDA CL A FOREIGN EQUITIES G1151C101 242 940 SH   SOLE   940 0 0
ACCENTURE LTD BERMUDA CL A FOREIGN EQUITIES G1151C101 51 200 SH   DFND   200 0 0
EATON CORP PLC FOREIGN EQUITIES G29183103 36 269 SH   SOLE   269 0 0
LINDE PLC SHS FOREIGN EQUITIES G5494J103 27 100 SH   SOLE   100 0 0
MEDTRONIC PLC ORDINARY FOREIGN EQUITIES G5960L103 285 3,529 SH   SOLE   3,229 0 300
MEDTRONIC PLC ORDINARY FOREIGN EQUITIES G5960L103 40 500 SH   DFND   100 400 0
ALCON INC ORD SHS COMMON STOCK H01301128 13 226 SH   SOLE   168 0 58
ALCON INC ORD SHS COMMON STOCK H01301128 8 138 SH   DFND   80 58 0
SPOTIFY TECHNOLOGY S A SHS COMMON STOCK L8681T102 2 25 SH   SOLE   25 0 0
LYONDELLBASELL INDUSTRIES N.V. CL A FOREIGN EQUITIES N53745100 12 158 SH   SOLE   158 0 0
MAXEON SOLAR TECHNOLOGIES LTSHS COMMON STOCK Y58473102 0 3 SH   DFND   3 0 0
AT&T INC COM COMMON STOCK 00206R102 337 21,994 SH   SOLE   21,494 0 500
AT&T INC COM COMMON STOCK 00206R102 69 4,480 SH   DFND   2,580 1,900 0
ABBOTT LABS COM COMMON STOCK 002824100 1,120 11,580 SH   SOLE   9,947 1,333 300
ABBOTT LABS COM COMMON STOCK 002824100 728 7,520 SH   DFND   7,420 100 0
ABBVIE INC COMMON STOCK 00287Y109 2,447 18,233 SH   SOLE   16,918 1,015 300
ABBVIE INC COMMON STOCK 00287Y109 1,291 9,620 SH   DFND   9,260 360 0
ADAMS DIVERSIFIED EQUITY FD COM COMMON STOCK 006212104 40 2,732 SH   SOLE   2,732 0 0
ADOBE INC COM COMMON STOCK 00724F101 777 2,822 SH   SOLE   2,822 0 0
AGILENT TECHNOLOGIES INC COM COMMON STOCK 00846U101 12 100 SH   SOLE   100 0 0
AGILENT TECHNOLOGIES INC COM COMMON STOCK 00846U101 24 200 SH   DFND   0 200 0
AIR PRODUCT AND CHEMICALS INC COMMON STOCK 009158106 1,587 6,818 SH   SOLE   6,318 500 0
AIR PRODUCT AND CHEMICALS INC COMMON STOCK 009158106 652 2,800 SH   DFND   2,600 200 0
ALLIANCEBERNSTEIN HLDG L P UNIT LTD PARTNERSHIP COMMON STOCK 01881G106 14 400 SH   SOLE   400 0 0
ALLSTATE CORP COM COMMON STOCK 020002101 12 100 SH   SOLE   100 0 0
ALNYLAM PHARMACEUTICALS INC COM COMMON STOCK 02043Q107 10 50 SH   SOLE   50 0 0
ALPHABET INC CAP STK CL C COMMON STOCK 02079K107 1,248 12,980 SH   SOLE   11,380 1,600 0
ALPHABET INC CAP STK CL C COMMON STOCK 02079K107 1,269 13,200 SH   DFND   12,800 400 0
ALPHABET INC CAP STK CL A COMMON STOCK 02079K305 1,474 15,411 SH   SOLE   15,101 110 200
ALPHABET INC CAP STK CL A COMMON STOCK 02079K305 168 1,760 SH   DFND   1,560 200 0
ALTRIA GROUP INC COMMON STOCK 02209S103 131 3,247 SH   SOLE   3,247 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 139 3,450 SH   DFND   1,500 1,950 0
AMAZON COM INC COM COMMON STOCK 023135106 2,483 21,976 SH   SOLE   20,779 1,105 92
AMAZON COM INC COM COMMON STOCK 023135106 1,736 15,360 SH   DFND   15,200 160 0
AMERICAN ELEC PWR INC COM COMMON STOCK 025537101 241 2,785 SH   DFND   2,785 0 0
AMERICAN EXPRESS CO COM COMMON STOCK 025816109 1,824 13,518 SH   SOLE   12,252 1,266 0
AMERICAN EXPRESS CO COM COMMON STOCK 025816109 295 2,185 SH   DFND   1,485 700 0
AMERICAN INTL GROUP INC COM COMMON STOCK 026874784 0 8 SH   SOLE   8 0 0
AMERICAN WATER WORKS COMMON STOCK 030420103 747 5,740 SH   SOLE   5,540 200 0
AMERICAN WATER WORKS COMMON STOCK 030420103 150 1,150 SH   DFND   950 200 0
AMERIPRISE FINL INC COM COMMON STOCK 03076C106 225 895 SH   SOLE   895 0 0
AMGEN INC COM COMMON STOCK 031162100 448 1,989 SH   SOLE   1,689 300 0
AMGEN INC COM COMMON STOCK 031162100 406 1,800 SH   DFND   1,800 0 0
ANALOG DEVICES INC COMMON STOCK 032654105 1,293 9,283 SH   SOLE   8,215 1,000 68
ANALOG DEVICES INC COMMON STOCK 032654105 90 643 SH   DFND   504 139 0
APPLE COMPUTER INC COM COMMON STOCK 037833100 7,434 53,793 SH   SOLE   51,145 2,380 268
APPLE COMPUTER INC COM COMMON STOCK 037833100 1,658 11,996 SH   DFND   10,320 1,676 0
APPLIED MATLS INC COM COMMON STOCK 038222105 377 4,596 SH   SOLE   4,596 0 0
APPLIED MATLS INC COM COMMON STOCK 038222105 12 150 SH   DFND   150 0 0
ASTRAZENECA PLC SPONSORED ADR FOREIGN EQUITIES 046353108 5 100 SH   SOLE   100 0 0
AUTOMATIC DATA PROCESSING INCOM COMMON STOCK 053015103 831 3,672 SH   SOLE   3,580 92 0
AUTOMATIC DATA PROCESSING INCOM COMMON STOCK 053015103 88 387 SH   DFND   100 287 0
AUTOZONE INC COM COMMON STOCK 053332102 670 313 SH   SOLE   313 0 0
AUTOZONE INC COM COMMON STOCK 053332102 107 50 SH   DFND   50 0 0
BP PLC SPONSORED ADR COMMON STOCK 055622104 136 4,754 SH   SOLE   4,754 0 0
BP PLC SPONSORED ADR COMMON STOCK 055622104 60 2,100 SH   DFND   1,900 200 0
BANKAMERICA CORP NEW COMMON STOCK 060505104 623 20,637 SH   SOLE   20,637 0 0
BANKAMERICA CORP NEW COMMON STOCK 060505104 6 200 SH   DFND   200 0 0
BANK NEW YORK MELLON CORP COM COMMON STOCK 064058100 67 1,750 SH   SOLE   1,750 0 0
BANK NEW YORK MELLON CORP COM COMMON STOCK 064058100 15 400 SH   DFND   400 0 0
BAXTER INTL INC COM COMMON STOCK 071813109 51 950 SH   SOLE   950 0 0
BAXTER INTL INC COM COMMON STOCK 071813109 108 2,000 SH   DFND   2,000 0 0
BECTON DICKINSON & CO COM COMMON STOCK 075887109 223 1,000 SH   SOLE   1,000 0 0
BERKSHIRE HATHAWAY B NEW COMMON STOCK 084670702 1,802 6,747 SH   SOLE   6,212 535 0
BERKSHIRE HATHAWAY B NEW COMMON STOCK 084670702 461 1,727 SH   DFND   1,661 66 0
BLACKROCK INC COM COMMON STOCK 09247X101 238 433 SH   SOLE   433 0 0
BLACKROCK INC COM COMMON STOCK 09247X101 385 700 SH   DFND   700 0 0
BOEING CO COM COMMON STOCK 097023105 857 7,075 SH   SOLE   7,050 25 0
BOEING CO COM COMMON STOCK 097023105 94 775 SH   DFND   775 0 0
BRIGHTHOUSE FINANCIAL INC COMMON STOCK 10922N103 0 11 SH   SOLE   11 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 1,830 25,749 SH   SOLE   24,411 938 400
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 779 10,956 SH   DFND   9,785 1,171 0
BROADCOM INC NPV COMMON STOCK 11135F101 1,752 3,945 SH   SOLE   3,494 451 0
BROADCOM INC NPV COMMON STOCK 11135F101 72 162 SH   DFND   122 40 0
CSX CORP COM COMMON STOCK 126408103 16 600 SH   SOLE   600 0 0
CVS/CAREMARK CORP COM COMMON STOCK 126650100 609 6,385 SH   SOLE   5,904 481 0
CVS/CAREMARK CORP COM COMMON STOCK 126650100 27 285 SH   DFND   0 285 0
CARRIER GLOBAL CORPORATION COM COMMON STOCK 14448C104 6 175 SH   SOLE   175 0 0
CARRIER GLOBAL CORPORATION COM COMMON STOCK 14448C104 267 7,500 SH   DFND   7,500 0 0
CATERPILLAR INC DEL COM COMMON STOCK 149123101 390 2,376 SH   SOLE   2,265 111 0
CATERPILLAR INC DEL COM COMMON STOCK 149123101 37 227 SH   DFND   152 75 0
CHEMOURS CO COM COMMON STOCK 163851108 4 175 SH   SOLE   175 0 0
CHEMOURS CO COM COMMON STOCK 163851108 1 60 SH   DFND   60 0 0
CHENIERE ENERGY INC COM NEW COMMON STOCK 16411R208 17 100 SH   SOLE   100 0 0
CHEVRONTEXACO CORP COM COMMON STOCK 166764100 1,490 10,369 SH   SOLE   10,269 100 0
CHEVRONTEXACO CORP COM COMMON STOCK 166764100 1,046 7,283 SH   DFND   6,983 300 0
CISCO SYS INC COM COMMON STOCK 17275R102 1,477 36,923 SH   SOLE   34,473 2,300 150
CISCO SYS INC COM COMMON STOCK 17275R102 183 4,570 SH   DFND   2,900 1,670 0
CITIGROUP INC NEW COMMON STOCK 172967424 59 1,420 SH   SOLE   1,420 0 0
CLOROX COMPANY COMMON STOCK 189054109 16 125 SH   SOLE   125 0 0
COCA COLA CO COM COMMON STOCK 191216100 1,625 29,013 SH   SOLE   26,903 1,310 800
COCA COLA CO COM COMMON STOCK 191216100 201 3,595 SH   DFND   2,732 863 0
COINBASE GLOBAL INC COM CL A COMMON STOCK 19260Q107 6 100 SH   SOLE   100 0 0
COLGATE PALMOLIVE CO COM COMMON STOCK 194162103 120 1,705 SH   SOLE   1,705 0 0
COLGATE PALMOLIVE CO COM COMMON STOCK 194162103 281 4,000 SH   DFND   4,000 0 0
COMCAST CORP COMMON STOCK 20030N101 603 20,564 SH   SOLE   18,635 1,929 0
COMCAST CORP COMMON STOCK 20030N101 83 2,845 SH   DFND   2,845 0 0
COMMUNITY BANK SYSTEM INC COMMON STOCK 203607106 276 4,600 SH   SOLE   4,600 0 0
CONOCOPHILLIPS COM COMMON STOCK 20825C104 163 1,593 SH   SOLE   1,593 0 0
CONOCOPHILLIPS COM COMMON STOCK 20825C104 307 3,000 SH   DFND   3,000 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 243 2,830 SH   SOLE   2,830 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 60 700 SH   DFND   0 0 700
CONSTELLATION ENERGY CORP COM COMMON STOCK 21037T109 52 631 SH   SOLE   465 0 166
CONSTELLATION ENERGY CORP COM COMMON STOCK 21037T109 11 132 SH   DFND   132 0 0
CORTEVA INC COM COMMON STOCK 22052L104 173 3,035 SH   SOLE   2,832 0 203
CORTEVA INC COM COMMON STOCK 22052L104 298 5,219 SH   DFND   3,275 1,944 0
COSTCO WHSL CORP NEW COMMON STOCK 22160K105 530 1,123 SH   SOLE   1,031 92 0
COSTCO WHSL CORP NEW COMMON STOCK 22160K105 35 75 SH   DFND   75 0 0
DANAHER CORP COMMON STOCK 235851102 570 2,205 SH   SOLE   2,016 189 0
DANAHER CORP COMMON STOCK 235851102 21 80 SH   DFND   80 0 0
DEERE & CO COM COMMON STOCK 244199105 723 2,165 SH   SOLE   1,965 0 200
DEERE & CO COM COMMON STOCK 244199105 492 1,473 SH   DFND   1,350 123 0
DIGITAL WORLD ACQUISITION COCLASS A COM COMMON STOCK 25400Q105 2 100 SH   SOLE   100 0 0
DISNEY WALT CO COM DISNEY COMMON STOCK 254687106 468 4,961 SH   SOLE   4,961 0 0
DISNEY WALT CO COM DISNEY COMMON STOCK 254687106 191 2,025 SH   DFND   1,600 100 325
DISCOVER FINL SVCS COMMON STOCK 254709108 10 109 SH   SOLE   109 0 0
DOMINION RES INC VA NEW COM COMMON STOCK 25746U109 979 14,172 SH   SOLE   13,472 100 600
DOMINION RES INC VA NEW COM COMMON STOCK 25746U109 698 10,100 SH   DFND   9,100 1,000 0
DOW INC COM COMMON STOCK 260557103 143 3,255 SH   SOLE   3,052 0 203
DOW INC COM COMMON STOCK 260557103 229 5,219 SH   DFND   3,275 1,944 0
DUKE ENERGY HLDG CORP COMMON STOCK 26441C204 683 7,344 SH   SOLE   7,344 0 0
DUKE ENERGY HLDG CORP COMMON STOCK 26441C204 415 4,466 SH   DFND   4,400 66 0
DUPONT DE NEMOURS INC COM COMMON STOCK 26614N102 222 4,407 SH   SOLE   4,204 0 203
DUPONT DE NEMOURS INC COM COMMON STOCK 26614N102 253 5,019 SH   DFND   3,075 1,944 0
ETF MANAGERS TR ETFMG ALTR HRVST MUTUAL FUNDS-ETF EQUITIES 26924G508 0 100 SH   SOLE   100 0 0
EATON VANCE INSURED MUNI BD FD MUTUAL FUNDS-ETF FIXED INCOME 27827X101 16 1,666 SH   SOLE   1,666 0 0
EBAY INC COM COMMON STOCK 278642103 16 434 SH   SOLE   434 0 0
ECOLAB INC COMMON STOCK 278865100 596 4,130 SH   SOLE   4,005 125 0
ECOLAB INC COMMON STOCK 278865100 33 230 SH   DFND   230 0 0
EMBECTA CORP COMMON STOCK COMMON STOCK 29082K105 6 200 SH   SOLE   200 0 0
EMERSON ELEC CO COM COMMON STOCK 291011104 1,293 17,663 SH   SOLE   15,972 1,291 400
EMERSON ELEC CO COM COMMON STOCK 291011104 378 5,160 SH   DFND   3,660 1,500 0
ENBRIDGE INC COMMON STOCK 29250N105 1,047 28,238 SH   SOLE   27,550 688 0
ENBRIDGE INC COMMON STOCK 29250N105 422 11,371 SH   DFND   9,292 2,079 0
ENERGY TRANSFER EQUITY L P COM UNIT LTD PRTNERS COMMON STOCK 29273V100 20 1,792 SH   SOLE   1,792 0 0
ENTEGRIS INC COMMON STOCK 29362U104 17 200 SH   SOLE   200 0 0
EQIUTRANS MIDSTREAM CO COMMON STOCK 294600101 1 100 SH   SOLE   100 0 0
ESSA BANCORP INC COM COMMON STOCK 29667D104 28 1,462 SH   SOLE   1,462 0 0
ESSENTIAL UTILS INC COM COMMON STOCK 29670G102 41 1,000 SH   SOLE   0 0 1,000
ESSENTIAL UTILS INC COM COMMON STOCK 29670G102 10 250 SH   DFND   250 0 0
EXELON CORP COM COMMON STOCK 30161N101 352 9,393 SH   SOLE   8,893 0 500
EXELON CORP COM COMMON STOCK 30161N101 30 800 SH   DFND   800 0 0
EXPEDITORS INTL WASH INC COMMON STOCK 302130109 344 3,900 SH   SOLE   2,400 1,000 500
EXPEDITORS INTL WASH INC COMMON STOCK 302130109 137 1,550 SH   DFND   350 1,200 0
EXXON MOBIL CORP COM COMMON STOCK 30231G102 2,412 27,622 SH   SOLE   27,322 200 100
EXXON MOBIL CORP COM COMMON STOCK 30231G102 1,789 20,490 SH   DFND   14,650 5,090 750
F M C CORP COM NEW COMMON STOCK 302491303 613 5,800 SH   SOLE   5,800 0 0
F N B CORP PA COMMON STOCK 302520101 672 57,937 SH   SOLE   57,937 0 0
FNCB BANCORP INC COM COMMON STOCK 302578109 15 2,000 SH   SOLE   2,000 0 0
FACEBOOK INC COMMON STOCK 30303M102 576 4,244 SH   SOLE   4,244 0 0
FACEBOOK INC COMMON STOCK 30303M102 47 346 SH   DFND   346 0 0
FASTENAL CO COM COMMON STOCK 311900104 1,717 37,303 SH   SOLE   32,118 3,685 1,500
FASTENAL CO COM COMMON STOCK 311900104 542 11,774 SH   DFND   8,366 3,408 0
FEDEX CORPORATION COMMON STOCK 31428X106 119 800 SH   SOLE   800 0 0
FIDELITY D & D BANCORP INC COM COMMON STOCK 31609R100 6 146 SH   SOLE   146 0 0
FIFTH THIRD BANCORP COMMON STOCK 316773100 6 200 SH   SOLE   200 0 0
FIRST SOLAR INC COMMON STOCK 336433107 26 200 SH   DFND   200 0 0
FIRST TR EXCHANGE-TRADED FD NAS CLNEDG GREEN COMMON STOCK 33733E500 11 200 SH   SOLE   200 0 0
FIRST ENERGY CORP COMMON STOCK 337932107 10 266 SH   SOLE   266 0 0
FORD MTR CO DEL COM PAR $0.01 COMMON STOCK 345370860 29 2,573 SH   SOLE   2,573 0 0
FREEPORTMCMORAN COPP CL B COMMON STOCK 35671D857 7 268 SH   SOLE   268 0 0
GARRETT MOTION INC COM COMMON STOCK 366505105 0 10 SH   DFND   0 10 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 110 517 SH   SOLE   517 0 0
GENERAL ELEC CO COM COMMON STOCK 369604301 99 1,605 SH   SOLE   1,605 0 0
GENERAL ELEC CO COM COMMON STOCK 369604301 99 1,607 SH   DFND   850 757 0
GENERAL MLS INC COM COMMON STOCK 370334104 1,177 15,366 SH   SOLE   14,237 1,129 0
GENERAL MLS INC COM COMMON STOCK 370334104 479 6,256 SH   DFND   5,556 700 0
GENERAL MOTORS CO COM COMMON STOCK 37045V100 6 200 SH   SOLE   200 0 0
GLAXOSMITHKLINE PLC SPONSORED ADR FOREIGN EQUITIES 37733W204 112 3,812 SH   SOLE   3,812 0 0
GLAXOSMITHKLINE PLC SPONSORED ADR FOREIGN EQUITIES 37733W204 52 1,760 SH   DFND   1,760 0 0
GLOBAL PAMENTS INC COMMON STOCK 37940X102 11 100 SH   SOLE   100 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 1,275 4,351 SH   SOLE   4,305 46 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 110 375 SH   DFND   320 55 0
HALEON PLC SPON ADS FOREIGN EQUITIES 405552100 2 340 SH   SOLE   340 0 0
HALEON PLC SPON ADS FOREIGN EQUITIES 405552100 1 200 SH   DFND   200 0 0
HASBRO INC COM COMMON STOCK 418056107 19 276 SH   SOLE   276 0 0
HEALTHPEAK PROPERTIES INC COM COMMON STOCK 42250P103 71 3,100 SH   SOLE   3,100 0 0
HEALTHPEAK PROPERTIES INC COM COMMON STOCK 42250P103 69 3,000 SH   DFND   3,000 0 0
HERSHEY FOODS CORP COM COMMON STOCK 427866108 117 529 SH   SOLE   529 0 0
HOME DEPOT INC COM COMMON STOCK 437076102 1,601 5,802 SH   SOLE   5,412 353 37
HOME DEPOT INC COM COMMON STOCK 437076102 66 240 SH   DFND   240 0 0
HONEYWELL INTL INC COM COMMON STOCK 438516106 473 2,831 SH   SOLE   2,831 0 0
HONEYWELL INTL INC COM COMMON STOCK 438516106 17 100 SH   DFND   0 100 0
ITT INC COM COMMON STOCK 45073V108 7 100 SH   DFND   100 0 0
INTEL CORP COM COMMON STOCK 458140100 260 10,091 SH   SOLE   9,691 0 400
INTEL CORP COM COMMON STOCK 458140100 165 6,400 SH   DFND   5,700 700 0
INTERNATIONAL BUSINESS MACHSCOM COMMON STOCK 459200101 731 6,149 SH   SOLE   6,149 0 0
INTERNATIONAL BUSINESS MACHSCOM COMMON STOCK 459200101 110 930 SH   DFND   0 930 0
INVESCO EX PFD ETF MUTUAL FUNDS-ETF EQUITIES 46138E511 48 4,000 SH   SOLE   4,000 0 0
IQIYI INC SPONSORED ADS FOREIGN EQUITIES 46267X108 0 50 SH   SOLE   50 0 0
ISHARES MSCI PAC JP ETF MUTUAL FUNDS-EQUITIES 464286665 2 50 SH   SOLE   50 0 0
ISHARES S&P 100 MUTUAL FUNDS-EQUITIES 464287101 8 50 SH   SOLE   50 0 0
I SHARES TR DJ SLECT DIV INDEX MUTUAL FUNDS-EQUITIES 464287168 5 50 SH   SOLE   50 0 0
ISHARES S&P 500 INDEX MUTUAL FUNDS-ETF EQUITIES 464287200 2,448 6,827 SH   SOLE   6,827 0 0
ISHARES TR S&P NA NATURAL RESOURCES MUTUAL FUNDS-EQUITIES 464287374 17 500 SH   DFND   500 0 0
ISHARES TR MSCI EAFE INDEX MUTUAL FUNDS-ETF EQUITIES 464287465 213 3,800 SH   SOLE   3,800 0 0
ISHARES TR MSCI EAFE INDEX MUTUAL FUNDS-ETF EQUITIES 464287465 73 1,300 SH   DFND   1,300 0 0
ISHARES RUSSELL MID-CAP ETF MUTUAL FUNDS-EQUITIES 464287499 19 300 SH   SOLE   300 0 0
ISHARES S&P 600 INDEX MUTUAL FUNDS-ETF EQUITIES 464287804 22 250 SH   SOLE   250 0 0
ISHARES TR GL CLEAN ENE ETF COMMON STOCK 464288224 4 200 SH   SOLE   200 0 0
ISHARES TR US TREAS BD ETF MUTUAL FUNDS-ETF FIXED INCOME 46429B267 14 619 SH   SOLE   619 0 0
J P MORGAN CHASE & CO COM COMMON STOCK 46625H100 1,897 18,151 SH   SOLE   17,151 1,000 0
J P MORGAN CHASE & CO COM COMMON STOCK 46625H100 177 1,696 SH   DFND   1,400 296 0
JOHNSON & JOHNSON COM COMMON STOCK 478160104 2,960 18,122 SH   SOLE   17,313 809 0
JOHNSON & JOHNSON COM COMMON STOCK 478160104 1,225 7,501 SH   DFND   6,450 1,051 0
KELLOGG CO COM COMMON STOCK 487836108 324 4,650 SH   SOLE   4,150 0 500
KELLOGG CO COM COMMON STOCK 487836108 153 2,200 SH   DFND   2,200 0 0
KIMBERLY CLARK CORP COM COMMON STOCK 494368103 215 1,907 SH   SOLE   1,907 0 0
KIMBERLY CLARK CORP COM COMMON STOCK 494368103 379 3,372 SH   DFND   3,372 0 0
KINDER MORGAN INC (DE) CLASS P COMMON STOCK 49456B101 0 1 SH   SOLE   1 0 0
KRAFT HEINZ CO COM COMMON STOCK 500754106 201 6,033 SH   SOLE   5,733 0 300
KRAFT HEINZ CO COM COMMON STOCK 500754106 39 1,179 SH   DFND   646 533 0
KYNDRYL HLDGS INC COMMON STOCK COMMON STOCK 50155Q100 8 980 SH   SOLE   980 0 0
KYNDRYL HLDGS INC COMMON STOCK COMMON STOCK 50155Q100 1 170 SH   DFND   0 170 0
L3HARRIS TECHNOLOGIES INC COM COMMON STOCK 502431109 4 20 SH   DFND   20 0 0
LILLY ELI & CO COM COMMON STOCK 532457108 2,675 8,272 SH   SOLE   7,493 444 335
LILLY ELI & CO COM COMMON STOCK 532457108 2,983 9,225 SH   DFND   7,425 1,800 0
LITTLEFUSE INC COMMON STOCK 537008104 8 38 SH   SOLE   38 0 0
LOCKHEED MARTIN CORP COM COMMON STOCK 539830109 1,129 2,924 SH   SOLE   2,904 20 0
LOCKHEED MARTIN CORP COM COMMON STOCK 539830109 68 175 SH   DFND   175 0 0
LOWES COS INC COM COMMON STOCK 548661107 352 1,875 SH   SOLE   1,475 0 400
LOWES COS INC COM COMMON STOCK 548661107 169 900 SH   DFND   500 400 0
LUCID GROUP INC COM COMMON STOCK 549498103 6 400 SH   SOLE   400 0 0
LULULEMON ATHLETICA COMMON STOCK 550021109 56 200 SH   SOLE   200 0 0
MANNKIND CORPORATION COMMON STOCK 56400P706 1 240 SH   DFND   240 0 0
MARATHON OIL CO COMMON STOCK 565849106 70 3,111 SH   SOLE   3,111 0 0
MARATHON PETROLEUM CORP COMMON STOCK 56585A102 199 2,000 SH   SOLE   2,000 0 0
MASTERCARD INCORPORATED COMMON STOCK 57636Q104 3,026 10,643 SH   SOLE   9,828 815 0
MASTERCARD INCORPORATED COMMON STOCK 57636Q104 794 2,791 SH   DFND   2,691 100 0
MATTEL INC COM COMMON STOCK 577081102 75 3,983 SH   SOLE   3,983 0 0
MCDONALDS CORP COM COMMON STOCK 580135101 4,184 18,132 SH   SOLE   17,615 517 0
MCDONALDS CORP COM COMMON STOCK 580135101 715 3,097 SH   DFND   3,014 83 0
MCKESSON CORP COMMON STOCK 58155Q103 34 100 SH   SOLE   100 0 0
MERCK & CO INC NEW COMMON STOCK 58933Y105 1,364 15,840 SH   SOLE   15,340 0 500
MERCK & CO INC NEW COMMON STOCK 58933Y105 564 6,544 SH   DFND   5,675 869 0
METLIFE INC COMMON STOCK 59156R108 9 150 SH   DFND   0 150 0
MICROSOFT CORP COMMON STOCK 594918104 5,419 23,269 SH   SOLE   21,750 1,400 119
MICROSOFT CORP COMMON STOCK 594918104 1,523 6,539 SH   DFND   4,050 2,489 0
MICROCHIP TECHNOLOGY INC COM COMMON STOCK 595017104 2,013 32,982 SH   SOLE   29,182 3,000 800
MICROCHIP TECHNOLOGY INC COM COMMON STOCK 595017104 548 8,988 SH   DFND   6,701 2,287 0
MICROVAST HOLDINGS INC COM COMMON STOCK 59516C106 1 500 SH   SOLE   500 0 0
MONDELEZ INTL INC COMMON STOCK 609207105 561 10,223 SH   SOLE   9,723 0 500
MONDELEZ INTL INC COMMON STOCK 609207105 517 9,428 SH   DFND   7,992 1,436 0
MORGAN STANLEY DEAN WITTER DISCOVER & CO COMMON STOCK 617446448 477 6,031 SH   SOLE   6,031 0 0
MORGAN STANLEY DEAN WITTER DISCOVER & CO COMMON STOCK 617446448 9 115 SH   DFND   115 0 0
NBT BANCORP INC COM COMMON STOCK 628778102 835 22,000 SH   SOLE   22,000 0 0
NOV INC COM COMMON STOCK 62955J103 6 400 SH   DFND   400 0 0
NETFLIX INC COM COMMON STOCK 64110L106 82 350 SH   DFND   350 0 0
NEW YORK TIMES CO CL A COMMON STOCK 650111107 17 600 SH   SOLE   600 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 918 11,706 SH   SOLE   11,706 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 1,437 18,332 SH   DFND   16,132 2,200 0
NIKE INC CL B COMMON STOCK 654106103 894 10,760 SH   SOLE   9,974 786 0
NIKE INC CL B COMMON STOCK 654106103 106 1,275 SH   DFND   1,275 0 0
NOKIA CORP SPONSORED ADR FOREIGN EQUITIES 654902204 0 15 SH   SOLE   15 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 933 4,452 SH   SOLE   4,393 59 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 68 325 SH   DFND   225 100 0
NORWOOD FINANCIAL CORPORATION COMMON STOCK 669549107 94 3,555 SH   SOLE   3,555 0 0
NOVARTIS AG COMMON STOCK 66987V109 132 1,734 SH   SOLE   1,442 0 292
NOVARTIS AG COMMON STOCK 66987V109 102 1,342 SH   DFND   1,050 292 0
NOVO-NORDISK A S ADR FOREIGN EQUITIES 670100205 10 100 SH   DFND   100 0 0
NOW INC COMMON STOCK 67011P100 1 100 SH   DFND   100 0 0
NUCOR CORP COMMON STOCK 670346105 53 500 SH   SOLE   500 0 0
NUVEEN REAL ESTATE INCOME FD MUTUAL FUNDS-ETF FIXED INCOME 67071B108 2 200 SH   SOLE   200 0 0
OREILLY AUTOMOTIVE INC COM COMMON STOCK 67103H107 70 100 SH   DFND   100 0 0
OCCIDENTAL PETE CORP DEL COM COMMON STOCK 674599105 154 2,504 SH   SOLE   2,504 0 0
OCCIDENTAL PETE CORP DEL COM COMMON STOCK 674599105 25 400 SH   DFND   0 400 0
OPAL FUELS INC CLASS A COM COMMON STOCK 68347P103 4 500 SH   SOLE   500 0 0
ORACLE CORP COM COMMON STOCK 68389X105 1,016 16,642 SH   SOLE   14,642 2,000 0
ORACLE CORP COM COMMON STOCK 68389X105 43 700 SH   DFND   400 300 0
ORGANON & CO COMMON STOCK COMMON STOCK 68622V106 5 220 SH   SOLE   220 0 0
ORGANON & CO COMMON STOCK COMMON STOCK 68622V106 12 503 SH   DFND   503 0 0
OTIS WORLDWIDE CORP COM COMMON STOCK 68902V107 6 87 SH   SOLE   87 0 0
OTIS WORLDWIDE CORP COM COMMON STOCK 68902V107 239 3,750 SH   DFND   3,750 0 0
PNC FINL SVCS GROUP INC COM COMMON STOCK 693475105 837 5,603 SH   SOLE   5,303 0 300
PNC FINL SVCS GROUP INC COM COMMON STOCK 693475105 486 3,250 SH   DFND   0 3,250 0
PPG INDS INC COM COMMON STOCK 693506107 42 375 SH   SOLE   375 0 0
PPG INDS INC COM COMMON STOCK 693506107 44 400 SH   DFND   0 400 0
PPL CORP, COM COMMON STOCK 69351T106 740 29,184 SH   SOLE   28,484 0 700
PPL CORP, COM COMMON STOCK 69351T106 239 9,432 SH   DFND   8,232 200 1,000
PAYCHEX INC COM COMMON STOCK 704326107 40 354 SH   SOLE   354 0 0
PAYPAL HLDGS INC COM COMMON STOCK 70450Y103 506 5,884 SH   SOLE   5,884 0 0
PAYPAL HLDGS INC COM COMMON STOCK 70450Y103 77 900 SH   DFND   900 0 0
PELOTON INTERACTIVE INC CL A COM COMMON STOCK 70614W100 1 100 SH   SOLE   100 0 0
PEOPLES FINL SVCS CORP COMMON STOCK 711040105 16,322 348,464 SH   SOLE   230,074 894 117,496
PEOPLES FINL SVCS CORP COMMON STOCK 711040105 147 3,136 SH   DFND   0 3,136 0
PEPSICO INC COM COMMON STOCK 713448108 4,819 29,518 SH   SOLE   28,274 944 300
PEPSICO INC COM COMMON STOCK 713448108 259 1,587 SH   DFND   740 847 0
PETMED EXPRESS INC COM COMMON STOCK 716382106 20 1,000 SH   SOLE   1,000 0 0
PFIZER INC COM COMMON STOCK 717081103 3,111 71,116 SH   SOLE   69,315 1,101 700
PFIZER INC COM COMMON STOCK 717081103 977 22,335 SH   DFND   16,400 5,435 500
PHILIP MORRIS INTL INC COMMON STOCK 718172109 313 3,767 SH   SOLE   3,767 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109 244 2,940 SH   DFND   1,240 1,700 0
PHILLIPS 66 COMMON STOCK 718546104 298 3,695 SH   SOLE   3,695 0 0
PHILLIPS 66 COMMON STOCK 718546104 191 2,365 SH   DFND   2,365 0 0
PROCTER & GAMBLE CO COM COMMON STOCK 742718109 3,147 24,926 SH   SOLE   23,352 1,074 500
PROCTER & GAMBLE CO COM COMMON STOCK 742718109 2,151 17,041 SH   DFND   10,826 5,815 400
PROSPECT CAP CORP COM COMMON STOCK 74348T102 1 205 SH   SOLE   205 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102 27 312 SH   SOLE   312 0 0
PUBLIC SVC ENTERPRISE GROUP COM COMMON STOCK 744573106 54 964 SH   SOLE   964 0 0
PUBLIC SVC ENTERPRISE GROUP COM COMMON STOCK 744573106 22 400 SH   DFND   400 0 0
QUALCOMM INC COM COMMON STOCK 747525103 1,032 9,134 SH   SOLE   9,134 0 0
QUALCOMM INC COM COMMON STOCK 747525103 215 1,900 SH   DFND   1,900 0 0
RAYTHEON TECHNOLOGIES CORP COM COMMON STOCK 75513E101 140 1,711 SH   SOLE   1,711 0 0
RAYTHEON TECHNOLOGIES CORP COM COMMON STOCK 75513E101 696 8,500 SH   DFND   8,500 0 0
REGIONS FINANCIAL CORP NEW COMMON STOCK 7591EP100 11 570 SH   SOLE   570 0 0
RESIDEO TECHNOLOGIES INC COM COMMON STOCK 76118Y104 0 16 SH   DFND   0 16 0
SHELL PLC SPON ADS COMMON STOCK 780259305 162 3,250 SH   DFND   400 2,850 0
GOLD TRUST MUTUAL FUNDS-ETF EQUITIES 78463V107 77 500 SH   SOLE   500 0 0
SPDR INDEX SHS FDS S&P INTL ETF MUTUAL FUNDS-ETF EQUITIES 78463X772 23 800 SH   SOLE   800 0 0
SANOFI AVENTIS SPONSORED ADR FOREIGN EQUITIES 80105N105 8 200 SH   SOLE   200 0 0
SCHLUMBERGER LTD COM COMMON STOCK 806857108 154 4,287 SH   SOLE   3,887 0 400
SCHLUMBERGER LTD COM COMMON STOCK 806857108 7 200 SH   DFND   0 200 0
SCHWAB STRATEGIC TR US BRD MKT ETF MUTUAL FUNDS-ETF EQUITIES 808524102 97 2,300 SH   SOLE   2,300 0 0
SPDR MATERIALS COMMON STOCK 81369Y100 314 4,611 SH   SOLE   4,413 198 0
SPDR MATERIALS COMMON STOCK 81369Y100 15 219 SH   DFND   219 0 0
SPDR HEALTH CARE COMMON STOCK 81369Y209 386 3,191 SH   SOLE   3,071 120 0
SPDR HEALTH CARE COMMON STOCK 81369Y209 12 100 SH   DFND   100 0 0
SPDR STAPLES COMMON STOCK 81369Y308 37 548 SH   SOLE   548 0 0
SPDR DISCRETIONARY COMMON STOCK 81369Y407 249 1,745 SH   SOLE   1,745 0 0
SPDR DISCRETIONARY COMMON STOCK 81369Y407 41 285 SH   DFND   285 0 0
SPDR ENERGY COMMON STOCK 81369Y506 645 8,949 SH   SOLE   6,022 2,927 0
SPDR ENERGY COMMON STOCK 81369Y506 40 550 SH   DFND   425 125 0
SPDR FINANCIALS COMMON STOCK 81369Y605 296 9,734 SH   SOLE   9,734 0 0
SPDR FINANCIALS COMMON STOCK 81369Y605 15 500 SH   DFND   500 0 0
SPDR INDUSTRIALS COMMON STOCK 81369Y704 72 874 SH   SOLE   874 0 0
SPDR TECHNOLOGY COMMON STOCK 81369Y803 796 6,703 SH   SOLE   6,703 0 0
SPDR COMMUNICATION COMMON STOCK 81369Y852 640 13,364 SH   SOLE   12,500 864 0
SPDR COMMUNICATION COMMON STOCK 81369Y852 10 200 SH   DFND   200 0 0
SPDR REAL ESTATE COMMON STOCK 81369Y860 101 2,810 SH   SOLE   2,810 0 0
SPDR UTILITIES COMMON STOCK 81369Y886 1,102 16,819 SH   SOLE   14,203 2,616 0
SNAP INC CL A COMMON STOCK 83304A106 2 200 SH   SOLE   200 0 0
SNDL INC COM COMMON STOCK 83307B101 0 100 SH   SOLE   100 0 0
SOFI TECHNOLOGIES INC COM COMMON STOCK 83406F102 2 400 SH   SOLE   400 0 0
SOUTH JERSEY INDUSTRIES INC COMMON STOCK 838518108 67 2,000 SH   SOLE   2,000 0 0
SOUTHERN CO COM COMMON STOCK 842587107 1,066 15,682 SH   SOLE   14,682 300 700
SOUTHERN CO COM COMMON STOCK 842587107 612 9,000 SH   DFND   8,800 200 0
SOUTHWESTERN ENERGY COMMON STOCK 845467109 12 2,000 SH   SOLE   2,000 0 0
SPROTT PHYSICAL SILVER TR TR UNIT COMMON STOCK 85207K107 33 5,000 SH   DFND   5,000 0 0
STARBUCKS CORP COM COMMON STOCK 855244109 127 1,505 SH   SOLE   1,305 200 0
STARBUCKS CORP COM COMMON STOCK 855244109 228 2,700 SH   DFND   2,700 0 0
STATE STR CORP COM COMMON STOCK 857477103 278 4,568 SH   SOLE   4,568 0 0
STATE STR CORP COM COMMON STOCK 857477103 24 400 SH   DFND   400 0 0
SUNCOR ENERGY INC NEW COM FOREIGN EQUITIES 867224107 26 913 SH   SOLE   913 0 0
SUNCOR ENERGY INC NEW COM FOREIGN EQUITIES 867224107 8 300 SH   DFND   300 0 0
SUNPOWER CORP COMMON STOCK 867652406 1 30 SH   DFND   30 0 0
SYNCHRONY FINANCIAL COM COMMON STOCK 87165B103 7 250 SH   SOLE   250 0 0
SYSCO CORP COM COMMON STOCK 871829107 184 2,600 SH   SOLE   2,300 300 0
SYSCO CORP COM COMMON STOCK 871829107 35 500 SH   DFND   0 500 0
TJX COMPANIES COMMON STOCK 872540109 12 200 SH   SOLE   0 0 200
TAIWAN SEMICONDUCTOR ADR FOREIGN EQUITIES 874039100 3 50 SH   SOLE   50 0 0
TARGET CORP COMMON STOCK 87612E106 919 6,196 SH   SOLE   5,619 506 71
TELEDYNE TECHNOLOGIES INC COMMON STOCK 879360105 12 37 SH   SOLE   37 0 0
TESLA MOTORS, INC COMMON STOCK 88160R101 95 360 SH   SOLE   360 0 0
TESLA MOTORS, INC COMMON STOCK 88160R101 8 30 SH   DFND   30 0 0
THERMO FISCHER SCIENTIFIC COMMON STOCK 883556102 342 674 SH   SOLE   582 92 0
3M CO COMMON STOCK 88579Y101 1,033 9,346 SH   SOLE   9,246 0 100
3M CO COMMON STOCK 88579Y101 403 3,650 SH   DFND   3,300 350 0
TITAN MEDICAL INC. FOREIGN EQUITIES 88830X819 0 33 SH   SOLE   33 0 0
TOOTSIE ROLL IND INC COMMON STOCK 890516107 18 530 SH   SOLE   530 0 0
TORONTO DOMINION BK ONT COM NEW COMMON STOCK 891160509 8 130 SH   SOLE   130 0 0
TRAVELERS COMPANIES INC COM COMMON STOCK 89417E109 70 459 SH   SOLE   459 0 0
TRUIST FINL CORP COM COMMON STOCK 89832Q109 24 544 SH   SOLE   544 0 0
TWITTER INC. COMMON STOCK 90184L102 18 400 SH   SOLE   400 0 0
US BANCORP DEL COMMON STOCK 902973304 485 12,037 SH   SOLE   10,237 1,800 0
US BANCORP DEL COMMON STOCK 902973304 48 1,200 SH   DFND   1,000 200 0
UNION PAC CORP COM COMMON STOCK 907818108 1,681 8,628 SH   SOLE   8,628 0 0
UNITED PARCEL SERVICE INC CL B COMMON STOCK 911312106 698 4,324 SH   SOLE   3,618 406 300
UNITED PARCEL SERVICE INC CL B COMMON STOCK 911312106 105 650 SH   DFND   650 0 0
UNITED STATES STL CORP NEW COM COMMON STOCK 912909108 1 62 SH   SOLE   62 0 0
VANECK VECTORS ETF TR GOLD MINERS ETF COMMON STOCK 92189F106 48 2,000 SH   DFND   2,000 0 0
VANGUARD TOTAL INTL STOCK VG TL INTL STK F MUTUAL FUNDS-ETF EQUITIES 921909768 908 19,844 SH   SOLE   19,844 0 0
VANGUARD TOTAL INTL STOCK VG TL INTL STK F MUTUAL FUNDS-ETF EQUITIES 921909768 26 571 SH   DFND   571 0 0
VANGUARD B SHORT TERM BOND MUTUAL FUNDS-ETF FIXED INCOME 921937827 47 625 SH   DFND   0 625 0
VANGUARD BD INDEX FD INC TOTAL BD MARKET MUTUAL FUNDS-ETF FIXED INCOME 921937835 44 619 SH   DFND   0 619 0
VANGUARD FTSE DEVELOPED MARKET ETF MUTUAL FUNDS-ETF EQUITIES 921943858 9 234 SH   SOLE   234 0 0
VANGUARD INFORMATION TECH ETF MUTUAL FUNDS-ETF EQUITIES 92204A702 61 198 SH   SOLE   198 0 0
VANGUARD INTL EQUITY INDEX FALLWRLD EX US MUTUAL FUNDS-ETF EQUITIES 922042775 5 120 SH   SOLE   120 0 0
VANGUARD EMERGING MARKETS ETF MUTUAL FUNDS-ETF EQUITIES 922042858 51 1,400 SH   SOLE   1,400 0 0
VANGUARD EMERGING MARKETS ETF MUTUAL FUNDS-ETF EQUITIES 922042858 11 300 SH   DFND   300 0 0
VANGUARD RUSSELL ETF MUTUAL FUNDS-ETF EQUITIES 92206C599 121 751 SH   SOLE   751 0 0
VECTRUS INC. COMMON STOCK 92242T101 0 11 SH   DFND   11 0 0
VANGUARD INDEX FUND MUTUAL FUNDS-ETF EQUITIES 922908363 549 1,672 SH   SOLE   1,672 0 0
VANGUARD INDEX FUND MUTUAL FUNDS-ETF EQUITIES 922908363 53 160 SH   DFND   160 0 0
VANGUARD REAL ESTATE COMMON STOCK 922908553 1,037 12,934 SH   SOLE   11,477 1,190 267
VANGUARD REAL ESTATE COMMON STOCK 922908553 101 1,255 SH   DFND   1,000 255 0
VANGUARD MID CAP ETF MUTUAL FUNDS-ETF EQUITIES 922908629 356 1,896 SH   SOLE   1,766 130 0
VANGUARD MID CAP ETF MUTUAL FUNDS-ETF EQUITIES 922908629 30 158 SH   DFND   58 100 0
VANGUARD INDEX FDS EXTEND MKT ETF MUTUAL FUNDS-ETF EQUITIES 922908652 1,468 11,548 SH   SOLE   11,548 0 0
VANGUARD INDEX FDS EXTEND MKT ETF MUTUAL FUNDS-ETF EQUITIES 922908652 10 79 SH   DFND   79 0 0
VANGUARD GROWTH ETF MUTUAL FUNDS-ETF EQUITIES 922908736 21 100 SH   SOLE   100 0 0
VANGUARD VALUE ETF MUTUAL FUNDS-ETF EQUITIES 922908744 12 100 SH   SOLE   100 0 0
VANGUARD SMALL CAP ETF MUTUAL FUNDS-ETF EQUITIES 922908751 839 4,907 SH   SOLE   4,773 134 0
VANGUARD SMALL CAP ETF MUTUAL FUNDS-ETF EQUITIES 922908751 62 365 SH   DFND   265 100 0
VERIZON COMMUNICATIONS COM COMMON STOCK 92343V104 1,626 42,831 SH   SOLE   39,639 2,092 1,100
VERIZON COMMUNICATIONS COM COMMON STOCK 92343V104 669 17,620 SH   DFND   10,543 4,577 2,500
VIATRIS INC COM COMMON STOCK 92556V106 25 2,876 SH   SOLE   2,876 0 0
VIATRIS INC COM COMMON STOCK 92556V106 20 2,293 SH   DFND   1,686 545 62
VISA CLASS A COMMON STOCK 92826C839 410 2,309 SH   SOLE   2,309 0 0
VISA CLASS A COMMON STOCK 92826C839 373 2,100 SH   DFND   2,000 100 0
VODAFONE GROUP PLC FOREIGN EQUITIES 92857W308 426 37,612 SH   SOLE   37,340 0 272
VODAFONE GROUP PLC FOREIGN EQUITIES 92857W308 164 14,500 SH   DFND   14,500 0 0
WEC ENERGY GROUP INC COM COMMON STOCK 92939U106 29 326 SH   SOLE   326 0 0
WABTEC CORP COM COMMON STOCK 929740108 0 5 SH   SOLE   5 0 0
WABTEC CORP COM COMMON STOCK 929740108 3 37 SH   DFND   13 24 0
WAL MART STORES INC COM COMMON STOCK 931142103 775 5,972 SH   SOLE   5,972 0 0
WAL MART STORES INC COM COMMON STOCK 931142103 104 800 SH   DFND   800 0 0
WALGREENS BOOTS ALLIANCE COMMON STOCK 931427108 56 1,775 SH   SOLE   1,775 0 0
WALGREENS BOOTS ALLIANCE COMMON STOCK 931427108 35 1,100 SH   DFND   1,000 100 0
WARNER BROS DISCOVERY INC COM SER A COMMON STOCK 934423104 32 2,769 SH   SOLE   2,769 0 0
WARNER BROS DISCOVERY INC COM SER A COMMON STOCK 934423104 7 638 SH   DFND   181 457 0
WASTE MANAGEMENT INC NEW COMMON STOCK 94106L109 414 2,584 SH   SOLE   2,584 0 0
WELLS FARGO & CO NEW COM COMMON STOCK 949746101 737 18,317 SH   SOLE   17,217 1,100 0
WELLS FARGO & CO NEW COM COMMON STOCK 949746101 52 1,300 SH   DFND   1,300 0 0
WEYERHAEUSER CO COM COMMON STOCK 962166104 49 1,732 SH   SOLE   1,732 0 0
WEYERHAEUSER CO COM COMMON STOCK 962166104 40 1,400 SH   DFND   0 1,400 0
XCEL ENERGY INC COMMON STOCK 98389B100 218 3,400 SH   SOLE   3,400 0 0
XYLEM INC COMMON STOCK 98419M100 402 4,605 SH   SOLE   3,590 1,015 0
XYLEM INC COMMON STOCK 98419M100 122 1,400 SH   DFND   1,300 100 0
ZIMVIE INC COM COMMON STOCK 98888T107 2 194 SH   DFND   194 0 0
ZIMMER HLDGS INC COM COMMON STOCK 98956P102 203 1,940 SH   DFND   1,940 0 0
ZOETIS INC CL A COMMON STOCK 98978V103 125 846 SH   SOLE   846 0 0
ZOOM VIDEO COMMUNICATIONS INCL A COMMON STOCK 98980L101 2 25 SH   SOLE   25 0 0