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
ACCENTURE LTD BERMUDA CL A FOREIGN EQUITIES G1151C101   250,818 940 SH   SOLE   940 0 0
ACCENTURE LTD BERMUDA CL A FOREIGN EQUITIES G1151C101   53,366 200 SH   DFND   200 0 0
EATON CORP PLC FOREIGN EQUITIES G29183103   42,218 269 SH   SOLE   269 0 0
LINDE PLC SHS FOREIGN EQUITIES G5494J103   32,617 100 SH   SOLE   100 0 0
MEDTRONIC PLC ORDINARY COMMON STOCK G5960L103   299,298 3,851 SH   SOLE   3,551 0 300
MEDTRONIC PLC ORDINARY COMMON STOCK G5960L103   38,860 500 SH   DFND   100 400 0
ALCON INC ORD SHS COMMON STOCK H01301128   15,489 226 SH   SOLE   168 0 58
ALCON INC ORD SHS COMMON STOCK H01301128   9,458 138 SH   DFND   80 58 0
SPOTIFY TECHNOLOGY S A SHS COMMON STOCK L8681T102   1,973 25 SH   SOLE   25 0 0
LYONDELLBASELL INDUSTRIES N.V. CL A FOREIGN EQUITIES N53745100   13,117 158 SH   SOLE   158 0 0
MAXEON SOLAR TECHNOLOGIES LTSHS COMMON STOCK Y58473102   48 3 SH   DFND   3 0 0
AT&T INC COM COMMON STOCK 00206R102   380,507 20,680 SH   SOLE   20,180 0 500
AT&T INC COM COMMON STOCK 00206R102   82,432 4,480 SH   DFND   2,580 1,900 0
ABBOTT LABS COM COMMON STOCK 002824100   1,271,360 11,580 SH   SOLE   9,947 1,333 300
ABBOTT LABS COM COMMON STOCK 002824100   825,619 7,520 SH   DFND   7,420 100 0
ABBVIE INC COMMON STOCK 00287Y109   2,910,898 18,012 SH   SOLE   16,697 1,015 300
ABBVIE INC COMMON STOCK 00287Y109   1,540,785 9,534 SH   DFND   9,174 360 0
ADOBE INC COM COMMON STOCK 00724F101   962,103 2,859 SH   SOLE   2,859 0 0
AGILENT TECHNOLOGIES INC COM COMMON STOCK 00846U101   14,965 100 SH   SOLE   100 0 0
AGILENT TECHNOLOGIES INC COM COMMON STOCK 00846U101   29,930 200 SH   DFND   0 200 0
AIR PRODUCT AND CHEMICALS INC COMMON STOCK 009158106   2,047,764 6,643 SH   SOLE   6,143 500 0
AIR PRODUCT AND CHEMICALS INC COMMON STOCK 009158106   863,128 2,800 SH   DFND   2,600 200 0
ALLIANCEBERNSTEIN HLDG L P UNIT LTD PARTNERSHIP PARTNERSHIPS 01881G106   13,744 400 SH   SOLE   400 0 0
ALLSTATE CORP COM COMMON STOCK 020002101   13,560 100 SH   SOLE   100 0 0
ALNYLAM PHARMACEUTICALS INC COM COMMON STOCK 02043Q107   11,882 50 SH   SOLE   50 0 0
ALPHABET INC CAP STK CL C COMMON STOCK 02079K107   1,151,713 12,980 SH   SOLE   11,380 1,600 0
ALPHABET INC CAP STK CL C COMMON STOCK 02079K107   1,171,236 13,200 SH   DFND   12,800 400 0
ALPHABET INC CAP STK CL A COMMON STOCK 02079K305   1,337,461 15,159 SH   SOLE   14,849 110 200
ALPHABET INC CAP STK CL A COMMON STOCK 02079K305   155,284 1,760 SH   DFND   1,560 200 0
ALTRIA GROUP INC COMMON STOCK 02209S103   148,387 3,247 SH   SOLE   3,247 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103   157,665 3,450 SH   DFND   1,500 1,950 0
AMAZON COM INC COM COMMON STOCK 023135106   1,856,820 22,105 SH   SOLE   20,908 1,105 92
AMAZON COM INC COM COMMON STOCK 023135106   1,299,732 15,473 SH   DFND   15,313 160 0
AMERICAN ELEC PWR INC COM COMMON STOCK 025537101   264,435 2,785 SH   DFND   2,785 0 0
AMERICAN EXPRESS CO COM COMMON STOCK 025816109   1,942,897 13,150 SH   SOLE   11,884 1,266 0
AMERICAN EXPRESS CO COM COMMON STOCK 025816109   337,608 2,285 SH   DFND   1,585 700 0
AMERICAN INTL GROUP INC COM COMMON STOCK 026874784   505 8 SH   SOLE   8 0 0
AMERICAN WATER WORKS COMMON STOCK 030420103   819,257 5,375 SH   SOLE   5,175 200 0
AMERICAN WATER WORKS COMMON STOCK 030420103   175,283 1,150 SH   DFND   950 200 0
AMERIPRISE FINL INC COM COMMON STOCK 03076C106   266,212 855 SH   SOLE   855 0 0
AMGEN INC COM COMMON STOCK 031162100   529,717 2,017 SH   SOLE   1,717 300 0
AMGEN INC COM COMMON STOCK 031162100   472,734 1,800 SH   DFND   1,800 0 0
ANALOG DEVICES INC COMMON STOCK 032654105   1,511,359 9,214 SH   SOLE   8,146 1,000 68
ANALOG DEVICES INC COMMON STOCK 032654105   105,468 643 SH   DFND   504 139 0
APPLE COMPUTER INC COM COMMON STOCK 037833100   6,869,892 52,874 SH   SOLE   50,226 2,380 268
APPLE COMPUTER INC COM COMMON STOCK 037833100   1,558,638 11,996 SH   DFND   10,320 1,676 0
APPLIED MATLS INC COM COMMON STOCK 038222105   447,556 4,596 SH   SOLE   4,596 0 0
APPLIED MATLS INC COM COMMON STOCK 038222105   14,607 150 SH   DFND   150 0 0
ASTRAZENECA PLC SPONSORED ADR FOREIGN EQUITIES 046353108   6,779 100 SH   SOLE   100 0 0
AUTOMATIC DATA PROCESSING INCOM COMMON STOCK 053015103   853,206 3,572 SH   SOLE   3,480 92 0
AUTOMATIC DATA PROCESSING INCOM COMMON STOCK 053015103   116,324 487 SH   DFND   200 287 0
AUTOZONE INC COM COMMON STOCK 053332102   771,914 313 SH   SOLE   313 0 0
AUTOZONE INC COM COMMON STOCK 053332102   123,309 50 SH   DFND   50 0 0
BP PLC SPONSORED ADR COMMON STOCK 055622104   159,030 4,553 SH   SOLE   4,553 0 0
BP PLC SPONSORED ADR COMMON STOCK 055622104   80,339 2,300 SH   DFND   2,100 200 0
BANKAMERICA CORP NEW COMMON STOCK 060505104   807,246 24,381 SH   SOLE   24,381 0 0
BANKAMERICA CORP NEW COMMON STOCK 060505104   6,622 200 SH   DFND   200 0 0
BANK NEW YORK MELLON CORP COM COMMON STOCK 064058100   79,658 1,750 SH   SOLE   1,750 0 0
BANK NEW YORK MELLON CORP COM COMMON STOCK 064058100   18,208 400 SH   DFND   400 0 0
BAXTER INTL INC COM COMMON STOCK 071813109   48,421 950 SH   SOLE   950 0 0
BAXTER INTL INC COM COMMON STOCK 071813109   101,940 2,000 SH   DFND   2,000 0 0
BERKSHIRE HATHAWAY B NEW COMMON STOCK 084670702   2,067,704 6,694 SH   SOLE   6,159 535 0
BERKSHIRE HATHAWAY B NEW COMMON STOCK 084670702   533,452 1,727 SH   DFND   1,661 66 0
BLACKROCK INC COM COMMON STOCK 09247X101   306,835 433 SH   SOLE   433 0 0
BLACKROCK INC COM COMMON STOCK 09247X101   496,041 700 SH   DFND   700 0 0
BOEING CO COM COMMON STOCK 097023105   1,347,699 7,075 SH   SOLE   7,050 25 0
BOEING CO COM COMMON STOCK 097023105   147,629 775 SH   DFND   775 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108   1,748,665 24,304 SH   SOLE   22,966 938 400
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108   788,283 10,956 SH   DFND   9,785 1,171 0
BROADCOM INC NPV COMMON STOCK 11135F101   2,184,507 3,907 SH   SOLE   3,456 451 0
BROADCOM INC NPV COMMON STOCK 11135F101   90,577 162 SH   DFND   122 40 0
CSX CORP COM COMMON STOCK 126408103   18,582 600 SH   SOLE   600 0 0
CVS/CAREMARK CORP COM COMMON STOCK 126650100   540,866 5,804 SH   SOLE   5,323 481 0
CVS/CAREMARK CORP COM COMMON STOCK 126650100   26,559 285 SH   DFND   0 285 0
CARRIER GLOBAL CORPORATION COM COMMON STOCK 14448C104   7,218 175 SH   SOLE   175 0 0
CARRIER GLOBAL CORPORATION COM COMMON STOCK 14448C104   309,375 7,500 SH   DFND   7,500 0 0
CATERPILLAR INC DEL COM COMMON STOCK 149123101   575,181 2,401 SH   SOLE   2,290 111 0
CATERPILLAR INC DEL COM COMMON STOCK 149123101   54,380 227 SH   DFND   152 75 0
CHEMOURS CO COM COMMON STOCK 163851108   2,295 75 SH   SOLE   75 0 0
CHEMOURS CO COM COMMON STOCK 163851108   1,836 60 SH   DFND   60 0 0
CHENIERE ENERGY INC COM NEW COMMON STOCK 16411R208   14,996 100 SH   SOLE   100 0 0
CHEVRONTEXACO CORP COM COMMON STOCK 166764100   2,005,786 11,175 SH   SOLE   11,075 100 0
CHEVRONTEXACO CORP COM COMMON STOCK 166764100   1,307,224 7,283 SH   DFND   6,983 300 0
CISCO SYS INC COM COMMON STOCK 17275R102   1,768,917 37,139 SH   SOLE   34,689 2,300 150
CISCO SYS INC COM COMMON STOCK 17275R102   217,668 4,570 SH   DFND   2,900 1,670 0
CITIGROUP INC NEW COMMON STOCK 172967424   62,674 1,386 SH   SOLE   1,386 0 0
CLOROX COMPANY COMMON STOCK 189054109   17,540 125 SH   SOLE   125 0 0
COCA COLA CO COM COMMON STOCK 191216100   1,713,645 26,940 SH   SOLE   24,830 1,310 800
COCA COLA CO COM COMMON STOCK 191216100   228,677 3,595 SH   DFND   2,732 863 0
COINBASE GLOBAL INC COM CL A COMMON STOCK 19260Q107   3,538 100 SH   SOLE   100 0 0
COLGATE PALMOLIVE CO COM COMMON STOCK 194162103   134,336 1,705 SH   SOLE   1,705 0 0
COLGATE PALMOLIVE CO COM COMMON STOCK 194162103   315,160 4,000 SH   DFND   4,000 0 0
COMCAST CORP COMMON STOCK 20030N101   699,426 20,001 SH   SOLE   18,072 1,929 0
COMCAST CORP COMMON STOCK 20030N101   99,489 2,845 SH   DFND   2,845 0 0
COMMUNITY BANK SYSTEM INC COMMON STOCK 203607106   289,570 4,600 SH   SOLE   4,600 0 0
CONOCOPHILLIPS COM COMMON STOCK 20825C104   179,124 1,518 SH   SOLE   1,518 0 0
CONOCOPHILLIPS COM COMMON STOCK 20825C104   354,000 3,000 SH   DFND   3,000 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104   269,726 2,830 SH   SOLE   2,830 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104   66,717 700 SH   DFND   0 0 700
CONSTELLATION ENERGY CORP COM COMMON STOCK 21037T109   21,550 250 SH   SOLE   84 0 166
CONSTELLATION ENERGY CORP COM COMMON STOCK 21037T109   11,378 132 SH   DFND   132 0 0
CORTEVA INC COM COMMON STOCK 22052L104   157,906 2,687 SH   SOLE   2,484 0 203
CORTEVA INC COM COMMON STOCK 22052L104   306,711 5,219 SH   DFND   3,275 1,944 0
COSTCO WHSL CORP NEW COMMON STOCK 22160K105   517,214 1,133 SH   SOLE   1,041 92 0
COSTCO WHSL CORP NEW COMMON STOCK 22160K105   34,237 75 SH   DFND   75 0 0
DANAHER CORP COMMON STOCK 235851102   619,992 2,336 SH   SOLE   2,147 189 0
DANAHER CORP COMMON STOCK 235851102   21,232 80 SH   DFND   80 0 0
DEERE & CO COM COMMON STOCK 244199105   934,695 2,180 SH   SOLE   1,980 0 200
DEERE & CO COM COMMON STOCK 244199105   631,563 1,473 SH   DFND   1,350 123 0
DIGITAL WORLD ACQUISITION COCLASS A COM COMMON STOCK 25400Q105   1,500 100 SH   SOLE   100 0 0
DISNEY WALT CO COM DISNEY COMMON STOCK 254687106   431,008 4,961 SH   SOLE   4,961 0 0
DISNEY WALT CO COM DISNEY COMMON STOCK 254687106   167,244 1,925 SH   DFND   1,500 100 325
DISCOVER FINL SVCS COMMON STOCK 254709108   10,663 109 SH   SOLE   109 0 0
DOMINION RES INC VA NEW COM COMMON STOCK 25746U109   826,266 13,477 SH   SOLE   12,777 100 600
DOMINION RES INC VA NEW COM COMMON STOCK 25746U109   557,921 9,100 SH   DFND   8,100 1,000 0
DOW INC COM COMMON STOCK 260557103   146,444 2,907 SH   SOLE   2,704 0 203
DOW INC COM COMMON STOCK 260557103   262,927 5,219 SH   DFND   3,275 1,944 0
DUKE ENERGY HLDG CORP COMMON STOCK 26441C204   756,349 7,344 SH   SOLE   7,344 0 0
DUKE ENERGY HLDG CORP COMMON STOCK 26441C204   459,953 4,466 SH   DFND   4,400 66 0
DUPONT DE NEMOURS INC COM COMMON STOCK 26614N102   278,624 4,060 SH   SOLE   3,857 0 203
DUPONT DE NEMOURS INC COM COMMON STOCK 26614N102   344,448 5,019 SH   DFND   3,075 1,944 0
ETF MANAGERS TR ETFMG ALTR HRVST MUTUAL FUNDS-ETF EQUITIES 26924G508   425 100 SH   SOLE   100 0 0
EATON VANCE INSURED MUNI BD FD MUTUAL FUNDS-ETF FIXED INCOME 27827X101   17,309 1,666 SH   SOLE   1,666 0 0
EBAY INC COM COMMON STOCK 278642103   17,997 434 SH   SOLE   434 0 0
ECOLAB INC COMMON STOCK 278865100   558,076 3,834 SH   SOLE   3,709 125 0
ECOLAB INC COMMON STOCK 278865100   33,478 230 SH   DFND   230 0 0
EMERSON ELEC CO COM COMMON STOCK 291011104   1,669,901 17,384 SH   SOLE   15,693 1,291 400
EMERSON ELEC CO COM COMMON STOCK 291011104   495,669 5,160 SH   DFND   3,660 1,500 0
ENBRIDGE INC COMMON STOCK 29250N105   1,071,907 27,422 SH   SOLE   26,734 688 0
ENBRIDGE INC COMMON STOCK 29250N105   444,489 11,371 SH   DFND   9,292 2,079 0
ENERGY TRANSFER EQUITY L P COM UNIT LTD PRTNERS PARTNERSHIPS 29273V100   21,271 1,792 SH   SOLE   1,792 0 0
ENTEGRIS INC COMMON STOCK 29362U104   13,118 200 SH   SOLE   200 0 0
EQIUTRANS MIDSTREAM CO COMMON STOCK 294600101   670 100 SH   SOLE   100 0 0
ESSA BANCORP INC COM COMMON STOCK 29667D104   30,497 1,462 SH   SOLE   1,462 0 0
ESSENTIAL UTILS INC COM COMMON STOCK 29670G102   47,720 1,000 SH   SOLE   0 0 1,000
ESSENTIAL UTILS INC COM COMMON STOCK 29670G102   11,930 250 SH   DFND   250 0 0
EXELON CORP COM COMMON STOCK 30161N101   379,038 8,770 SH   SOLE   8,270 0 500
EXELON CORP COM COMMON STOCK 30161N101   34,576 800 SH   DFND   800 0 0
EXPEDITORS INTL WASH INC COMMON STOCK 302130109   405,288 3,900 SH   SOLE   2,400 1,000 500
EXPEDITORS INTL WASH INC COMMON STOCK 302130109   161,076 1,550 SH   DFND   350 1,200 0
EXXON MOBIL CORP COM COMMON STOCK 30231G102   2,867,458 25,997 SH   SOLE   25,697 200 100
EXXON MOBIL CORP COM COMMON STOCK 30231G102   2,243,502 20,340 SH   DFND   14,650 5,090 600
F M C CORP COM NEW COMMON STOCK 302491303   723,840 5,800 SH   SOLE   5,800 0 0
F N B CORP PA COMMON STOCK 302520101   756,077 57,937 SH   SOLE   57,937 0 0
FNCB BANCORP INC COM COMMON STOCK 302578109   16,420 2,000 SH   SOLE   2,000 0 0
FNCB BANCORP INC COM COMMON STOCK 302578109   2,463 300 SH   DFND   300 0 0
FACEBOOK INC COMMON STOCK 30303M102   470,760 3,912 SH   SOLE   3,912 0 0
FACEBOOK INC COMMON STOCK 30303M102   51,865 431 SH   DFND   431 0 0
FASTENAL CO COM COMMON STOCK 311900104   1,763,138 37,268 SH   SOLE   32,083 3,685 1,500
FASTENAL CO COM COMMON STOCK 311900104   557,026 11,774 SH   DFND   8,366 3,408 0
FEDEX CORPORATION COMMON STOCK 31428X106   138,560 800 SH   SOLE   800 0 0
FIDELITY D & D BANCORP INC COM COMMON STOCK 31609R100   6,880 146 SH   SOLE   146 0 0
FIFTH THIRD BANCORP COMMON STOCK 316773100   6,560 200 SH   SOLE   200 0 0
FIRST SOLAR INC COMMON STOCK 336433107   29,958 200 SH   DFND   200 0 0
FIRST TR EXCHANGE-TRADED FD NAS CLNEDG GREEN COMMON STOCK 33733E500   9,436 200 SH   SOLE   200 0 0
FORD MTR CO DEL COM PAR $0.01 COMMON STOCK 345370860   11,630 1,000 SH   SOLE   1,000 0 0
FREEPORTMCMORAN COPP CL B COMMON STOCK 35671D857   8,132 214 SH   SOLE   214 0 0
FREEPORTMCMORAN COPP CL B COMMON STOCK 35671D857   2,052 54 SH   DFND   54 0 0
GARRETT MOTION INC COM COMMON STOCK 366505105   76 10 SH   DFND   0 10 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108   119,340 481 SH   SOLE   481 0 0
GENERAL ELEC CO COM COMMON STOCK 369604301   128,191 1,530 SH   SOLE   1,530 0 0
GENERAL ELEC CO COM COMMON STOCK 369604301   134,648 1,607 SH   DFND   850 757 0
GENERAL MLS INC COM COMMON STOCK 370334104   1,278,198 15,244 SH   SOLE   14,115 1,129 0
GENERAL MLS INC COM COMMON STOCK 370334104   524,564 6,256 SH   DFND   5,556 700 0
GENERAL MOTORS CO COM COMMON STOCK 37045V100   6,726 200 SH   SOLE   200 0 0
GLAXOSMITHKLINE PLC SPONSORED ADR COMMON STOCK 37733W204   131,095 3,732 SH   SOLE   3,732 0 0
GLAXOSMITHKLINE PLC SPONSORED ADR COMMON STOCK 37733W204   50,586 1,440 SH   DFND   1,440 0 0
GLOBAL PAMENTS INC COMMON STOCK 37940X102   9,932 100 SH   SOLE   100 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104   1,478,582 4,306 SH   SOLE   4,260 46 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104   94,428 275 SH   DFND   220 55 0
HALEON PLC SPON ADS FOREIGN EQUITIES 405552100   1,920 240 SH   SOLE   240 0 0
HALEON PLC SPON ADS FOREIGN EQUITIES 405552100   1,600 200 SH   DFND   200 0 0
HASBRO INC COM COMMON STOCK 418056107   16,837 276 SH   SOLE   276 0 0
HEALTHPEAK PROPERTIES INC COM COMMON STOCK 42250P103   77,686 3,100 SH   SOLE   3,100 0 0
HEALTHPEAK PROPERTIES INC COM COMMON STOCK 42250P103   75,180 3,000 SH   DFND   3,000 0 0
HERSHEY FOODS CORP COM COMMON STOCK 427866108   122,499 529 SH   SOLE   529 0 0
HOME DEPOT INC COM COMMON STOCK 437076102   1,800,330 5,700 SH   SOLE   5,310 353 37
HOME DEPOT INC COM COMMON STOCK 437076102   75,803 240 SH   DFND   240 0 0
HONEYWELL INTL INC COM COMMON STOCK 438516106   606,682 2,831 SH   SOLE   2,831 0 0
HONEYWELL INTL INC COM COMMON STOCK 438516106   21,430 100 SH   DFND   0 100 0
ITT INC COM COMMON STOCK 45073V108   8,110 100 SH   DFND   100 0 0
INTEL CORP COM COMMON STOCK 458140100   256,123 9,691 SH   SOLE   9,291 0 400
INTEL CORP COM COMMON STOCK 458140100   169,152 6,400 SH   DFND   5,700 700 0
INTERNATIONAL BUSINESS MACHSCOM COMMON STOCK 459200101   753,614 5,349 SH   SOLE   5,349 0 0
INTERNATIONAL BUSINESS MACHSCOM COMMON STOCK 459200101   131,026 930 SH   DFND   0 930 0
INVESCO EX PFD ETF MUTUAL FUNDS-ETF EQUITIES 46138E511   44,719 4,000 SH   SOLE   4,000 0 0
IQIYI INC SPONSORED ADS FOREIGN EQUITIES 46267X108   265 50 SH   SOLE   50 0 0
ISHARES MSCI PAC JP ETF MUTUAL FUNDS-EQUITIES 464286665   2,139 50 SH   SOLE   50 0 0
ISHARES S&P 100 MUTUAL FUNDS-EQUITIES 464287101   8,528 50 SH   SOLE   50 0 0
I SHARES TR DJ SLECT DIV INDEX MUTUAL FUNDS-EQUITIES 464287168   6,030 50 SH   SOLE   50 0 0
ISHARES S&P 500 INDEX MUTUAL FUNDS-ETF EQUITIES 464287200   2,622,933 6,827 SH   SOLE   6,827 0 0
ISHARES TR S&P NA NATURAL RESOURCES MUTUAL FUNDS-EQUITIES 464287374   20,325 500 SH   DFND   500 0 0
ISHARES TR MSCI EAFE INDEX MUTUAL FUNDS-ETF EQUITIES 464287465   249,390 3,800 SH   SOLE   3,800 0 0
ISHARES TR MSCI EAFE INDEX MUTUAL FUNDS-ETF EQUITIES 464287465   85,319 1,300 SH   DFND   1,300 0 0
ISHARES RUSSELL MID-CAP ETF MUTUAL FUNDS-EQUITIES 464287499   20,235 300 SH   SOLE   300 0 0
ISHARES S&P 600 INDEX MUTUAL FUNDS-ETF EQUITIES 464287804   23,659 250 SH   SOLE   250 0 0
ISHARES TR GL CLEAN ENE ETF COMMON STOCK 464288224   3,968 200 SH   SOLE   200 0 0
ISHARES TR US TREAS BD ETF MUTUAL FUNDS-ETF FIXED INCOME 46429B267   14,057 619 SH   SOLE   619 0 0
J P MORGAN CHASE & CO COM COMMON STOCK 46625H100   2,364,310 17,631 SH   SOLE   16,631 1,000 0
J P MORGAN CHASE & CO COM COMMON STOCK 46625H100   227,433 1,696 SH   DFND   1,400 296 0
JOHNSON & JOHNSON COM COMMON STOCK 478160104   3,205,299 18,145 SH   SOLE   17,336 809 0
JOHNSON & JOHNSON COM COMMON STOCK 478160104   1,325,050 7,501 SH   DFND   6,450 1,051 0
KELLOGG CO COM COMMON STOCK 487836108   331,266 4,650 SH   SOLE   4,150 0 500
KELLOGG CO COM COMMON STOCK 487836108   156,728 2,200 SH   DFND   2,200 0 0
KIMBERLY CLARK CORP COM COMMON STOCK 494368103   258,871 1,907 SH   SOLE   1,907 0 0
KIMBERLY CLARK CORP COM COMMON STOCK 494368103   457,749 3,372 SH   DFND   3,372 0 0
KINDER MORGAN INC (DE) CLASS P COMMON STOCK 49456B101   18 1 SH   SOLE   1 0 0
KRAFT HEINZ CO COM COMMON STOCK 500754106   245,543 6,033 SH   SOLE   5,733 0 300
KRAFT HEINZ CO COM COMMON STOCK 500754106   47,985 1,179 SH   DFND   646 533 0
KYNDRYL HLDGS INC COMMON STOCK COMMON STOCK 50155Q100   9,083 817 SH   SOLE   817 0 0
KYNDRYL HLDGS INC COMMON STOCK COMMON STOCK 50155Q100   1,888 170 SH   DFND   0 170 0
L3HARRIS TECHNOLOGIES INC COM COMMON STOCK 502431109   4,164 20 SH   DFND   20 0 0
LILLY ELI & CO COM COMMON STOCK 532457108   3,023,934 8,266 SH   SOLE   7,487 444 335
LILLY ELI & CO COM COMMON STOCK 532457108   3,374,780 9,225 SH   DFND   7,425 1,800 0
LITTLEFUSE INC COMMON STOCK 537008104   8,367 38 SH   SOLE   38 0 0
LOCKHEED MARTIN CORP COM COMMON STOCK 539830109   1,426,351 2,932 SH   SOLE   2,912 20 0
LOCKHEED MARTIN CORP COM COMMON STOCK 539830109   85,134 175 SH   DFND   175 0 0
LOWES COS INC COM COMMON STOCK 548661107   373,575 1,875 SH   SOLE   1,475 0 400
LOWES COS INC COM COMMON STOCK 548661107   179,316 900 SH   DFND   500 400 0
LUCID GROUP INC COM COMMON STOCK 549498103   2,732 400 SH   SOLE   400 0 0
LULULEMON ATHLETICA COMMON STOCK 550021109   64,076 200 SH   SOLE   200 0 0
MANNKIND CORPORATION COMMON STOCK 56400P706   1,262 240 SH   DFND   240 0 0
MARATHON OIL CO COMMON STOCK 565849106   84,183 3,111 SH   SOLE   3,111 0 0
MARATHON PETROLEUM CORP COMMON STOCK 56585A102   232,780 2,000 SH   SOLE   2,000 0 0
MASTERCARD INCORPORATED COMMON STOCK 57636Q104   3,693,125 10,621 SH   SOLE   9,806 815 0
MASTERCARD INCORPORATED COMMON STOCK 57636Q104   970,486 2,791 SH   DFND   2,691 100 0
MATTEL INC COM COMMON STOCK 577081102   71,056 3,983 SH   SOLE   3,983 0 0
MCDONALDS CORP COM COMMON STOCK 580135101   4,762,583 18,073 SH   SOLE   17,556 517 0
MCDONALDS CORP COM COMMON STOCK 580135101   816,121 3,097 SH   DFND   3,014 83 0
MCKESSON CORP COMMON STOCK 58155Q103   37,511 100 SH   SOLE   100 0 0
MERCK & CO INC NEW COMMON STOCK 58933Y105   1,745,461 15,732 SH   SOLE   15,232 0 500
MERCK & CO INC NEW COMMON STOCK 58933Y105   726,055 6,544 SH   DFND   5,675 869 0
METLIFE INC COMMON STOCK 59156R108   10,855 150 SH   DFND   0 150 0
MICROSOFT CORP COMMON STOCK 594918104   5,435,982 22,667 SH   SOLE   21,148 1,400 119
MICROSOFT CORP COMMON STOCK 594918104   1,568,182 6,539 SH   DFND   4,050 2,489 0
MICROCHIP TECHNOLOGY INC COM COMMON STOCK 595017104   2,292,672 32,636 SH   SOLE   28,836 3,000 800
MICROCHIP TECHNOLOGY INC COM COMMON STOCK 595017104   631,406 8,988 SH   DFND   6,701 2,287 0
MICROVAST HOLDINGS INC COM COMMON STOCK 59516C106   760 500 SH   SOLE   500 0 0
MONDELEZ INTL INC COMMON STOCK 609207105   671,360 10,073 SH   SOLE   9,573 0 500
MONDELEZ INTL INC COMMON STOCK 609207105   628,372 9,428 SH   DFND   7,992 1,436 0
MORGAN STANLEY DEAN WITTER DISCOVER & CO COMMON STOCK 617446448   512,752 6,031 SH   SOLE   6,031 0 0
MORGAN STANLEY DEAN WITTER DISCOVER & CO COMMON STOCK 617446448   9,777 115 SH   DFND   115 0 0
NBT BANCORP INC COM COMMON STOCK 628778102   955,020 22,000 SH   SOLE   22,000 0 0
NOV INC COM COMMON STOCK 62955J103   8,352 400 SH   DFND   400 0 0
NETFLIX INC COM COMMON STOCK 64110L106   103,208 350 SH   DFND   350 0 0
NEW YORK TIMES CO CL A COMMON STOCK 650111107   19,470 600 SH   SOLE   600 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101   945,181 11,306 SH   SOLE   11,306 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101   1,565,995 18,732 SH   DFND   16,532 2,200 0
NIKE INC CL B COMMON STOCK 654106103   1,224,613 10,466 SH   SOLE   9,680 786 0
NIKE INC CL B COMMON STOCK 654106103   149,187 1,275 SH   DFND   1,275 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108   1,073,151 4,355 SH   SOLE   4,296 59 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108   80,086 325 SH   DFND   225 100 0
NORWOOD FINANCIAL CORPORATION COMMON STOCK 669549107   118,843 3,555 SH   SOLE   3,555 0 0
NOVARTIS AG COMMON STOCK 66987V109   157,308 1,734 SH   SOLE   1,442 0 292
NOVARTIS AG COMMON STOCK 66987V109   121,746 1,342 SH   DFND   1,050 292 0
NOVO-NORDISK A S ADR FOREIGN EQUITIES 670100205   13,534 100 SH   DFND   100 0 0
NOW INC COMMON STOCK 67011P100   1,270 100 SH   DFND   100 0 0
NUCOR CORP COMMON STOCK 670346105   65,905 500 SH   SOLE   500 0 0
NUVEEN REAL ESTATE INCOME FD MUTUAL FUNDS-ETF FIXED INCOME 67071B108   1,511 200 SH   SOLE   200 0 0
OREILLY AUTOMOTIVE INC COM COMMON STOCK 67103H107   84,403 100 SH   DFND   100 0 0
OCCIDENTAL PETE CORP DEL COM COMMON STOCK 674599105   156,149 2,479 SH   SOLE   2,479 0 0
OCCIDENTAL PETE CORP DEL COM COMMON STOCK 674599105   25,196 400 SH   DFND   0 400 0
OPAL FUELS INC CLASS A COM COMMON STOCK 68347P103   3,640 500 SH   SOLE   500 0 0
ORACLE CORP COM COMMON STOCK 68389X105   1,328,352 16,251 SH   SOLE   14,251 2,000 0
ORACLE CORP COM COMMON STOCK 68389X105   57,218 700 SH   DFND   400 300 0
ORGANON & CO COMMON STOCK COMMON STOCK 68622V106   558 20 SH   SOLE   20 0 0
ORGANON & CO COMMON STOCK COMMON STOCK 68622V106   14,048 503 SH   DFND   503 0 0
OTIS WORLDWIDE CORP COM COMMON STOCK 68902V107   6,812 87 SH   SOLE   87 0 0
OTIS WORLDWIDE CORP COM COMMON STOCK 68902V107   293,662 3,750 SH   DFND   3,750 0 0
PNC FINL SVCS GROUP INC COM COMMON STOCK 693475105   790,172 5,003 SH   SOLE   4,703 0 300
PNC FINL SVCS GROUP INC COM COMMON STOCK 693475105   513,305 3,250 SH   DFND   0 3,250 0
PPG INDS INC COM COMMON STOCK 693506107   47,152 375 SH   SOLE   375 0 0
PPG INDS INC COM COMMON STOCK 693506107   50,296 400 SH   DFND   0 400 0
PPL CORP, COM COMMON STOCK 69351T106   791,120 27,084 SH   SOLE   26,384 0 700
PPL CORP, COM COMMON STOCK 69351T106   246,298 8,432 SH   DFND   8,232 200 0
PAYCHEX INC COM COMMON STOCK 704326107   40,907 354 SH   SOLE   354 0 0
PAYPAL HLDGS INC COM COMMON STOCK 70450Y103   413,709 5,809 SH   SOLE   5,809 0 0
PAYPAL HLDGS INC COM COMMON STOCK 70450Y103   64,098 900 SH   DFND   900 0 0
PELOTON INTERACTIVE INC CL A COM COMMON STOCK 70614W100   516 65 SH   SOLE   65 0 0
PEOPLES FINL SVCS CORP COMMON STOCK 711040105   17,845,751 344,247 SH   SOLE   229,974 100 114,173
PEOPLES FINL SVCS CORP COMMON STOCK 711040105   162,570 3,136 SH   DFND   0 3,136 0
PEPSICO INC COM COMMON STOCK 713448108   5,328,375 29,494 SH   SOLE   28,250 944 300
PEPSICO INC COM COMMON STOCK 713448108   286,706 1,587 SH   DFND   740 847 0
PETMED EXPRESS INC COM COMMON STOCK 716382106   17,690 1,000 SH   SOLE   1,000 0 0
PFIZER INC COM COMMON STOCK 717081103   3,654,275 71,317 SH   SOLE   69,516 1,101 700
PFIZER INC COM COMMON STOCK 717081103   1,144,440 22,335 SH   DFND   16,400 5,435 500
PHILIP MORRIS INTL INC COMMON STOCK 718172109   381,252 3,767 SH   SOLE   3,767 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109   297,557 2,940 SH   DFND   1,240 1,700 0
PHILLIPS 66 COMMON STOCK 718546104   384,575 3,695 SH   SOLE   3,695 0 0
PHILLIPS 66 COMMON STOCK 718546104   246,149 2,365 SH   DFND   2,365 0 0
PROCTER & GAMBLE CO COM COMMON STOCK 742718109   3,772,165 24,889 SH   SOLE   23,315 1,074 500
PROCTER & GAMBLE CO COM COMMON STOCK 742718109   2,582,733 17,041 SH   DFND   10,826 5,815 400
PROSPECT CAP CORP COM COMMON STOCK 74348T102   1,432 205 SH   SOLE   205 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102   31,030 312 SH   SOLE   312 0 0
PUBLIC SVC ENTERPRISE GROUP COM COMMON STOCK 744573106   16,173 264 SH   SOLE   264 0 0
PUBLIC SVC ENTERPRISE GROUP COM COMMON STOCK 744573106   24,508 400 SH   DFND   400 0 0
QUALCOMM INC COM COMMON STOCK 747525103   1,004,183 9,134 SH   SOLE   9,134 0 0
QUALCOMM INC COM COMMON STOCK 747525103   208,886 1,900 SH   DFND   1,900 0 0
RAYTHEON TECHNOLOGIES CORP COM COMMON STOCK 75513E101   152,287 1,509 SH   SOLE   1,509 0 0
RAYTHEON TECHNOLOGIES CORP COM COMMON STOCK 75513E101   857,820 8,500 SH   DFND   8,500 0 0
REGIONS FINANCIAL CORP NEW COMMON STOCK 7591EP100   12,283 570 SH   SOLE   570 0 0
RESIDEO TECHNOLOGIES INC COM COMMON STOCK 76118Y104   263 16 SH   DFND   0 16 0
SHELL PLC SPON ADS COMMON STOCK 780259305   185,087 3,250 SH   DFND   400 2,850 0
GOLD TRUST MUTUAL FUNDS-ETF EQUITIES 78463V107   84,820 500 SH   SOLE   500 0 0
SPDR INDEX SHS FDS S&P INTL ETF MUTUAL FUNDS-ETF EQUITIES 78463X772   25,847 800 SH   SOLE   800 0 0
SANOFI AVENTIS SPONSORED ADR FOREIGN EQUITIES 80105N105   9,686 200 SH   SOLE   200 0 0
SCHLUMBERGER LTD COM COMMON STOCK 806857108   210,428 3,937 SH   SOLE   3,537 0 400
SCHLUMBERGER LTD COM COMMON STOCK 806857108   18,707 350 SH   DFND   150 200 0
SCHWAB STRATEGIC TR US BRD MKT ETF MUTUAL FUNDS-ETF EQUITIES 808524102   103,063 2,300 SH   SOLE   2,300 0 0
SPDR MATERIALS COMMON STOCK 81369Y100   379,927 4,891 SH   SOLE   4,693 198 0
SPDR MATERIALS COMMON STOCK 81369Y100   17,011 219 SH   DFND   219 0 0
SPDR HEALTH CARE COMMON STOCK 81369Y209   433,495 3,191 SH   SOLE   3,071 120 0
SPDR HEALTH CARE COMMON STOCK 81369Y209   13,585 100 SH   DFND   100 0 0
SPDR STAPLES COMMON STOCK 81369Y308   8,869 119 SH   SOLE   119 0 0
SPDR DISCRETIONARY COMMON STOCK 81369Y407   236,491 1,831 SH   SOLE   1,831 0 0
SPDR DISCRETIONARY COMMON STOCK 81369Y407   36,810 285 SH   DFND   285 0 0
SPDR ENERGY COMMON STOCK 81369Y506   782,763 8,949 SH   SOLE   6,022 2,927 0
SPDR ENERGY COMMON STOCK 81369Y506   48,107 550 SH   DFND   425 125 0
SPDR FINANCIALS COMMON STOCK 81369Y605   286,425 8,375 SH   SOLE   8,375 0 0
SPDR FINANCIALS COMMON STOCK 81369Y605   17,100 500 SH   DFND   500 0 0
SPDR INDUSTRIALS COMMON STOCK 81369Y704   56,469 575 SH   SOLE   575 0 0
SPDR TECHNOLOGY COMMON STOCK 81369Y803   697,859 5,608 SH   SOLE   5,608 0 0
SPDR COMMUNICATION COMMON STOCK 81369Y852   638,934 13,314 SH   SOLE   12,450 864 0
SPDR COMMUNICATION COMMON STOCK 81369Y852   9,598 200 SH   DFND   200 0 0
SPDR REAL ESTATE COMMON STOCK 81369Y860   103,773 2,810 SH   SOLE   2,810 0 0
SPDR UTILITIES COMMON STOCK 81369Y886   1,323,494 18,773 SH   SOLE   16,157 2,616 0
SNAP INC CL A COMMON STOCK 83304A106   1,790 200 SH   SOLE   200 0 0
SNDL INC COM COMMON STOCK 83307B101   208 100 SH   SOLE   100 0 0
SOFI TECHNOLOGIES INC COM COMMON STOCK 83406F102   1,844 400 SH   SOLE   400 0 0
SOUTH JERSEY INDUSTRIES INC COMMON STOCK 838518108   71,040 2,000 SH   SOLE   2,000 0 0
SOUTHERN CO COM COMMON STOCK 842587107   1,105,411 15,482 SH   SOLE   14,482 300 700
SOUTHERN CO COM COMMON STOCK 842587107   642,600 9,000 SH   DFND   8,800 200 0
SOUTHWESTERN ENERGY COMMON STOCK 845467109   11,700 2,000 SH   SOLE   2,000 0 0
SPROTT PHYSICAL SILVER TR TR UNIT COMMON STOCK 85207K107   41,200 5,000 SH   DFND   5,000 0 0
STARBUCKS CORP COM COMMON STOCK 855244109   149,296 1,505 SH   SOLE   1,305 200 0
STARBUCKS CORP COM COMMON STOCK 855244109   267,840 2,700 SH   DFND   2,700 0 0
STATE STR CORP COM COMMON STOCK 857477103   354,291 4,568 SH   SOLE   4,568 0 0
STATE STR CORP COM COMMON STOCK 857477103   31,024 400 SH   DFND   400 0 0
SUNCOR ENERGY INC NEW COM FOREIGN EQUITIES 867224107   28,959 913 SH   SOLE   913 0 0
SUNCOR ENERGY INC NEW COM FOREIGN EQUITIES 867224107   9,516 300 SH   DFND   300 0 0
SUNPOWER CORP COMMON STOCK 867652406   540 30 SH   DFND   30 0 0
SYNCHRONY FINANCIAL COM COMMON STOCK 87165B103   8,215 250 SH   SOLE   250 0 0
SYSCO CORP COM COMMON STOCK 871829107   198,769 2,600 SH   SOLE   2,300 300 0
SYSCO CORP COM COMMON STOCK 871829107   38,225 500 SH   DFND   0 500 0
TJX COMPANIES COMMON STOCK 872540109   15,920 200 SH   SOLE   0 0 200
TAIWAN SEMICONDUCTOR ADR FOREIGN EQUITIES 874039100   3,724 50 SH   SOLE   50 0 0
TARGET CORP COMMON STOCK 87612E106   908,831 6,098 SH   SOLE   5,521 506 71
TELEDYNE TECHNOLOGIES INC COMMON STOCK 879360105   14,796 37 SH   SOLE   37 0 0
TESLA MOTORS, INC COMMON STOCK 88160R101   44,344 360 SH   SOLE   360 0 0
TESLA MOTORS, INC COMMON STOCK 88160R101   3,695 30 SH   DFND   30 0 0
THERMO FISCHER SCIENTIFIC COMMON STOCK 883556102   406,953 739 SH   SOLE   647 92 0
3M CO COMMON STOCK 88579Y101   1,120,766 9,346 SH   SOLE   9,246 0 100
3M CO COMMON STOCK 88579Y101   437,708 3,650 SH   DFND   3,300 350 0
TITAN MEDICAL INC. FOREIGN EQUITIES 88830X819   21 33 SH   SOLE   33 0 0
TOOTSIE ROLL IND INC COMMON STOCK 890516107   22,556 530 SH   SOLE   530 0 0
TRAVELERS COMPANIES INC COM COMMON STOCK 89417E109   86,051 459 SH   SOLE   459 0 0
TRUIST FINL CORP COM COMMON STOCK 89832Q109   23,401 544 SH   SOLE   544 0 0
US BANCORP DEL COMMON STOCK 902973304   485,680 11,137 SH   SOLE   9,337 1,800 0
US BANCORP DEL COMMON STOCK 902973304   52,332 1,200 SH   DFND   1,000 200 0
UNION PAC CORP COM COMMON STOCK 907818108   1,786,599 8,628 SH   SOLE   8,628 0 0
UNITED PARCEL SERVICE INC CL B COMMON STOCK 911312106   771,493 4,438 SH   SOLE   3,732 406 300
UNITED PARCEL SERVICE INC CL B COMMON STOCK 911312106   112,996 650 SH   DFND   650 0 0
UNITED STATES STL CORP NEW COM COMMON STOCK 912909108   1,552 62 SH   SOLE   62 0 0
VANECK VECTORS ETF TR GOLD MINERS ETF COMMON STOCK 92189F106   57,300 2,000 SH   DFND   2,000 0 0
VANGUARD TOTAL INTL STOCK VG TL INTL STK F MUTUAL FUNDS-ETF EQUITIES 921909768   1,082,597 20,932 SH   SOLE   20,932 0 0
VANGUARD TOTAL INTL STOCK VG TL INTL STK F MUTUAL FUNDS-ETF EQUITIES 921909768   29,530 571 SH   DFND   571 0 0
VANGUARD B SHORT TERM BOND MUTUAL FUNDS-ETF FIXED INCOME 921937827   47,050 625 SH   DFND   0 625 0
VANGUARD BD INDEX FD INC TOTAL BD MARKET MUTUAL FUNDS-ETF FIXED INCOME 921937835   44,468 619 SH   DFND   0 619 0
VANGUARD FTSE DEVELOPED MARKET ETF MUTUAL FUNDS-ETF EQUITIES 921943858   9,820 234 SH   SOLE   234 0 0
VANGUARD INFORMATION TECH ETF MUTUAL FUNDS-ETF EQUITIES 92204A702   63,241 198 SH   SOLE   198 0 0
VANGUARD INTL EQUITY INDEX FALLWRLD EX US MUTUAL FUNDS-ETF EQUITIES 922042775   6,015 120 SH   SOLE   120 0 0
VANGUARD EMERGING MARKETS ETF MUTUAL FUNDS-ETF EQUITIES 922042858   54,558 1,400 SH   SOLE   1,400 0 0
VANGUARD EMERGING MARKETS ETF MUTUAL FUNDS-ETF EQUITIES 922042858   11,691 300 SH   DFND   300 0 0
VECTRUS INC. COMMON STOCK 92242T101   454 11 SH   DFND   11 0 0
VANGUARD 500 INDEX FUND MUTUAL FUNDS-ETF EQUITIES 922908363   579,693 1,650 SH   SOLE   1,650 0 0
VANGUARD 500 INDEX FUND MUTUAL FUNDS-ETF EQUITIES 922908363   56,212 160 SH   DFND   160 0 0
VANGUARD REAL ESTATE COMMON STOCK 922908553   1,074,735 13,032 SH   SOLE   11,575 1,190 267
VANGUARD REAL ESTATE COMMON STOCK 922908553   103,499 1,255 SH   DFND   1,000 255 0
VANGUARD MID CAP ETF MUTUAL FUNDS-ETF EQUITIES 922908629   411,282 2,018 SH   SOLE   1,888 130 0
VANGUARD MID CAP ETF MUTUAL FUNDS-ETF EQUITIES 922908629   32,200 158 SH   DFND   58 100 0
VANGUARD INDEX FDS EXTEND MKT ETF MUTUAL FUNDS-ETF EQUITIES 922908652   1,505,561 11,332 SH   SOLE   11,332 0 0
VANGUARD INDEX FDS EXTEND MKT ETF MUTUAL FUNDS-ETF EQUITIES 922908652   10,494 79 SH   DFND   79 0 0
VANGUARD GROWTH ETF MUTUAL FUNDS-ETF EQUITIES 922908736   324,138 1,521 SH   SOLE   1,521 0 0
VANGUARD VALUE ETF MUTUAL FUNDS-ETF EQUITIES 922908744   439,357 3,130 SH   SOLE   3,130 0 0
VANGUARD SMALL CAP ETF MUTUAL FUNDS-ETF EQUITIES 922908751   1,001,756 5,458 SH   SOLE   5,324 134 0
VANGUARD SMALL CAP ETF MUTUAL FUNDS-ETF EQUITIES 922908751   66,990 365 SH   DFND   265 100 0
VERIZON COMMUNICATIONS COM COMMON STOCK 92343V104   1,626,543 41,294 SH   SOLE   38,102 2,092 1,100
VERIZON COMMUNICATIONS COM COMMON STOCK 92343V104   615,269 15,620 SH   DFND   8,543 4,577 2,500
VIATRIS INC COM COMMON STOCK 92556V106   32,007 2,876 SH   SOLE   2,876 0 0
VIATRIS INC COM COMMON STOCK 92556V106   25,513 2,293 SH   DFND   1,686 545 62
VISA CLASS A COMMON STOCK 92826C839   479,714 2,309 SH   SOLE   2,309 0 0
VISA CLASS A COMMON STOCK 92826C839   436,296 2,100 SH   DFND   2,000 100 0
VODAFONE GROUP PLC FOREIGN EQUITIES 92857W308   375,264 37,082 SH   SOLE   36,810 0 272
VODAFONE GROUP PLC FOREIGN EQUITIES 92857W308   142,692 14,100 SH   DFND   14,100 0 0
WEC ENERGY GROUP INC COM COMMON STOCK 92939U106   30,565 326 SH   SOLE   326 0 0
WABTEC CORP COM COMMON STOCK 929740108   199 2 SH   SOLE   2 0 0
WABTEC CORP COM COMMON STOCK 929740108   3,687 37 SH   DFND   13 24 0
WAL MART STORES INC COM COMMON STOCK 931142103   846,760 5,972 SH   SOLE   5,972 0 0
WAL MART STORES INC COM COMMON STOCK 931142103   113,432 800 SH   DFND   800 0 0
WALGREENS BOOTS ALLIANCE COMMON STOCK 931427108   66,314 1,775 SH   SOLE   1,775 0 0
WALGREENS BOOTS ALLIANCE COMMON STOCK 931427108   41,096 1,100 SH   DFND   1,000 100 0
WARNER BROS DISCOVERY INC COM SER A COMMON STOCK 934423104   19,068 2,012 SH   SOLE   2,012 0 0
WARNER BROS DISCOVERY INC COM SER A COMMON STOCK 934423104   6,045 638 SH   DFND   181 457 0
WASTE MANAGEMENT INC NEW COMMON STOCK 94106L109   405,374 2,584 SH   SOLE   2,584 0 0
WELLS FARGO & CO NEW COM COMMON STOCK 949746101   704,071 17,052 SH   SOLE   15,952 1,100 0
WELLS FARGO & CO NEW COM COMMON STOCK 949746101   53,677 1,300 SH   DFND   1,300 0 0
WEYERHAEUSER CO COM COMMON STOCK 962166104   53,692 1,732 SH   SOLE   1,732 0 0
WEYERHAEUSER CO COM COMMON STOCK 962166104   43,400 1,400 SH   DFND   0 1,400 0
XCEL ENERGY INC COMMON STOCK 98389B100   238,374 3,400 SH   SOLE   3,400 0 0
XYLEM INC COMMON STOCK 98419M100   509,167 4,605 SH   SOLE   3,590 1,015 0
XYLEM INC COMMON STOCK 98419M100   154,798 1,400 SH   DFND   1,300 100 0
ZIMVIE INC COM COMMON STOCK 98888T107   1,811 194 SH   DFND   194 0 0
ZIMMER HLDGS INC COM COMMON STOCK 98956P102   247,350 1,940 SH   DFND   1,940 0 0
ZOETIS INC CL A COMMON STOCK 98978V103   123,980 846 SH   SOLE   846 0 0
ZOOM VIDEO COMMUNICATIONS INCL A COMMON STOCK 98980L101   1,693 25 SH   SOLE   25 0 0