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
ALLEGION PLC FOREIGN EQUITIES G0176J109   34,841 331 SH   SOLE 0 331 0 0
AMCOR PLC FOREIGN EQUITIES G0250X107   1,979,955 166,244 SH   SOLE 0 166,244 0 0
AMCOR PLC FOREIGN EQUITIES G0250X107   104,568 8,780 SH   DFND 0 8,780 0 0
AON PLC SHS CL A FOREIGN EQUITIES G0403H108   3,601 12 SH   SOLE 0 12 0 0
ACCENTURE PLC CL A FOREIGN EQUITIES G1151C101   8,271 31 SH   SOLE 0 31 0 0
EATON CORP PLC FOREIGN EQUITIES G29183103   36,412 232 SH   SOLE 0 232 0 0
EATON CORP PLC FOREIGN EQUITIES G29183103   290,043 1,848 SH   DFND 0 1,848 0 0
LINDE PLC FOREIGN EQUITIES G5494J103   54,469 167 SH   SOLE 0 167 0 0
MEDTRONIC PLC FOREIGN EQUITIES G5960L103   38,860 500 SH   DFND 0 500 0 0
TRANE TECHNOLOGIES PLC FOREIGN EQUITIES G8994E103   208,767 1,242 SH   SOLE 0 1,242 0 0
WHITE MTNS INS GROUP LTD FOREIGN EQUITIES G9618E107   46,672 33 SH   SOLE 0 33 0 0
WHITE MTNS INS GROUP LTD FOREIGN EQUITIES G9618E107   48,087 34 SH   DFND 0 34 0 0
CHUBB LTD FOREIGN EQUITIES H1467J104   2,593,590 11,757 SH   SOLE 0 11,757 0 0
CHUBB LTD FOREIGN EQUITIES H1467J104   124,197 563 SH   DFND 0 563 0 0
UBS GROUP AG FOREIGN EQUITIES H42097107   18,660 1,000 SH   DFND 0 1,000 0 0
ACCO BRANDS CORP COMMON STOCK 00081T108   626 112 SH   SOLE 0 112 0 0
AFLAC INC COMMON STOCK 001055102   19,639 273 SH   SOLE 0 273 0 0
AGCO CORP COMMON STOCK 001084102   13,869 100 SH   DFND 0 100 0 0
AT&T INC COMMON STOCK 00206R102   2,948,228 160,230 SH   SOLE 0 160,230 0 0
AT&T INC COMMON STOCK 00206R102   672,148 36,530 SH   DFND 0 36,530 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100   4,121,692 37,542 SH   SOLE 0 37,542 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100   894,783 8,150 SH   DFND 0 8,150 0 0
ABBVIE INC COMMON STOCK 00287Y109   7,648,122 47,325 SH   SOLE 0 47,325 0 0
ABBVIE INC COMMON STOCK 00287Y109   1,551,287 9,599 SH   DFND 0 9,599 0 0
ABRDN BBRG ALL COMMODITY ETF/OTHER 003261104   356,759 16,180 SH   SOLE 0 16,090 0 90
ABRDN BBRG ALL COMMODITY ETF/OTHER 003261104   3,307 150 SH   DFND 0 150 0 0
ADOBE INC COMMON STOCK 00724F101   56,871 169 SH   SOLE 0 169 0 0
AGILENT TECHNOLOGIES INC COMMON STOCK 00846U101   11,373 76 SH   DFND 0 76 0 0
AGENUS INC COMMON STOCK 00847G705   717 300 SH   SOLE 0 300 0 0
AIM IMMUNOTECH INC COMMON STOCK 00901B105   4,100 13,226 SH   SOLE 0 13,226 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106   1,197,273 3,884 SH   SOLE 0 3,884 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106   682,178 2,213 SH   DFND 0 2,213 0 0
ALBEMARLE CORP COMMON STOCK 012653101   1,238,256 5,710 SH   SOLE 0 5,710 0 0
ALBEMARLE CORP COMMON STOCK 012653101   496,608 2,290 SH   DFND 0 2,290 0 0
ALGONQUIN PWR UTILS CORP FOREIGN EQUITIES 015857105   6,520 1,000 SH   SOLE 0 1,000 0 0
ALLIANCEBERNSTEIN HLDG LP COMMON STOCK 01881G106   17,180 500 SH   DFND 0 500 0 0
THE ALLSTATE CORPORATION COMMON STOCK 020002101   13,560 100 SH   DFND 0 100 0 0
ALPHABET INC CLASS C COMMON STOCK 02079K107   558,993 6,300 SH   SOLE 0 6,300 0 0
ALPHABET INC CLASS C COMMON STOCK 02079K107   218,275 2,460 SH   DFND 0 2,460 0 0
ALPHABET INC CLASS A COMMON STOCK 02079K305   2,898,325 32,850 SH   SOLE 0 32,850 0 0
ALPHABET INC CLASS A COMMON STOCK 02079K305   700,545 7,940 SH   DFND 0 7,940 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103   186,088 4,072 SH   SOLE 0 4,072 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103   46,796 1,024 SH   DFND 0 1,024 0 0
AMAZON.COM INC COMMON STOCK 023135106   1,856,820 22,105 SH   SOLE 0 22,105 0 0
AMAZON.COM INC COMMON STOCK 023135106   424,200 5,050 SH   DFND 0 5,050 0 0
AMEREN CORPORATION COMMON STOCK 023608102   222,122 2,498 SH   SOLE 0 2,498 0 0
AMERICAN ELECTRIC POWER CO COMMON STOCK 025537101   1,230,822 12,963 SH   SOLE 0 12,963 0 0
AMERICAN ELECTRIC POWER CO COMMON STOCK 025537101   213,636 2,250 SH   DFND 0 2,250 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109   1,191,147 8,062 SH   SOLE 0 8,062 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109   28,367 192 SH   DFND 0 192 0 0
AMERICAN TOWER CORP COMMON STOCK 03027X100   539,182 2,545 SH   SOLE 0 2,545 0 0
AMERICAN TOWER CORP COMMON STOCK 03027X100   764,814 3,610 SH   DFND 0 3,610 0 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103   15,242 100 SH   SOLE 0 100 0 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103   304,840 2,000 SH   DFND 0 2,000 0 0
AMETEK INC COMMON STOCK 031100100   139,720 1,000 SH   SOLE 0 1,000 0 0
AMETEK INC COMMON STOCK 031100100   698,600 5,000 SH   DFND 0 5,000 0 0
AMGEN INC COMMON STOCK 031162100   3,349,030 12,752 SH   SOLE 0 12,752 0 0
AMGEN INC COMMON STOCK 031162100   516,327 1,966 SH   DFND 0 1,966 0 0
ANALOG DEVICES INC COMMON STOCK 032654105   6,069 37 SH   SOLE 0 37 0 0
ELEVANCE HEALTH INC COMMON STOCK 036752103   827,400 1,613 SH   SOLE 0 1,613 0 0
APOLLO COMM REAL ESTATE COMMON STOCK 03762U105   21,520 2,000 SH   DFND 0 2,000 0 0
APPLE INC COMMON STOCK 037833100   53,429,089 411,215 SH   SOLE 0 411,215 0 0
APPLE INC COMMON STOCK 037833100   733,838 5,648 SH   DFND 0 5,648 0 0
APPLIED MATERIALS INC COMMON STOCK 038222105   48,690 500 SH   SOLE 0 500 0 0
ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102   414,107 4,460 SH   SOLE 0 4,460 0 0
ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102   37,140 400 SH   DFND 0 400 0 0
ASCENT SOLAR TECHNOLOGIES COMMON STOCK 043635606   17 11 SH   SOLE 0 11 0 0
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103   3,019,163 12,640 SH   SOLE 0 12,640 0 0
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103   309,084 1,294 SH   DFND 0 1,294 0 0
AVANOS MEDICAL INC COMMON STOCK 05350V106   676 25 SH   DFND 0 25 0 0
BCE INC FOREIGN EQUITIES 05534B760   41,313 940 SH   DFND 0 940 0 0
BP PLC ADR FOREIGN EQUITIES 055622104   13,866 397 SH   SOLE 0 397 0 0
BP PLC ADR FOREIGN EQUITIES 055622104   66,716 1,910 SH   DFND 0 1,910 0 0
BANK OF AMERICA CORPORATION COMMON STOCK 060505104   927,793 28,022 SH   SOLE 0 28,022 0 0
BANK OF AMERICA CORPORATION COMMON STOCK 060505104   262,263 7,921 SH   DFND 0 7,921 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100   85,623 1,881 SH   SOLE 0 1,881 0 0
BARRICK GOLD CORPORATION FOREIGN EQUITIES 067901108   3,436 200 SH   SOLE 0 200 0 0
BAXTER INTERNATIONAL INC COMMON STOCK 071813109   921,778 18,085 SH   SOLE 0 18,085 0 0
BAXTER INTERNATIONAL INC COMMON STOCK 071813109   58,614 1,150 SH   DFND 0 1,150 0 0
BECTON DICKINSON AND COMPANY COMMON STOCK 075887109   1,302,013 5,120 SH   SOLE 0 5,120 0 0
BECTON DICKINSON AND COMPANY COMMON STOCK 075887109   508 2 SH   DFND 0 2 0 0
BERKSHIRE HATHAWAY INC B COMMON STOCK 084670702   255,452 827 SH   SOLE 0 827 0 0
BERKSHIRE HILLS BANCORP INC COMMON STOCK 084680107   7,890 264 SH   DFND 0 264 0 0
BHP GROUP LTD ADR FOREIGN EQUITIES 088606108   403,260 6,500 SH   SOLE 0 6,500 0 0
BHP GROUP LTD ADR FOREIGN EQUITIES 088606108   31,020 500 SH   DFND 0 500 0 0
BIOGEN INC COMMON STOCK 09062X103   221,528 800 SH   DFND 0 800 0 0
BIONTECH SE ADR FOREIGN EQUITIES 09075V102   15,022 100 SH   SOLE 0 100 0 0
BIONTECH SE ADR FOREIGN EQUITIES 09075V102   15,022 100 SH   DFND 0 100 0 0
BLACKBERRY LTD NPV FOREIGN EQUITIES 09228F103   269 83 SH   DFND 0 83 0 0
BLACKROCK INC COMMON STOCK 09247X101   722,091 1,019 SH   SOLE 0 1,019 0 0
BLACKROCK INC COMMON STOCK 09247X101   233,847 330 SH   DFND 0 330 0 0
BLACKROCK ENHANCED EQT DIV ETF/EQUITY 09251A104   51,384 5,703 SH   DFND 0 5,703 0 0
BLACKSTONE GROUP INC COMMON STOCK 09260D107   7,419 100 SH   SOLE 0 100 0 0
BLACKSTONE GROUP INC COMMON STOCK 09260D107   7,419 100 SH   DFND 0 100 0 0
BLUE APRON HOLDINGS INC COMMON STOCK 09523Q200   4 6 SH   SOLE 0 6 0 0
BOEING COMPANY COMMON STOCK 097023105   314,117 1,649 SH   SOLE 0 1,649 0 0
BOEING COMPANY COMMON STOCK 097023105   38,098 200 SH   DFND 0 200 0 0
BORGWARNER INC COMMON STOCK 099724106   796,739 19,795 SH   SOLE 0 19,795 0 0
BORGWARNER INC COMMON STOCK 099724106   10,062 250 SH   DFND 0 250 0 0
BRISTOL MYERS SQUIBB COMPANY COMMON STOCK 110122108   7,473,669 103,874 SH   SOLE 0 103,874 0 0
BRISTOL MYERS SQUIBB COMPANY COMMON STOCK 110122108   7,376,235 102,519 SH   DFND 0 102,519 0 0
BROADCOM INC COMMON STOCK 11135F101   2,423,772 4,335 SH   SOLE 0 4,335 0 0
BROADCOM INC COMMON STOCK 11135F101   650,823 1,164 SH   DFND 0 1,164 0 0
BROOKFIELD CORP NPV FOREIGN EQUITIES 11271J107   48,055 1,528 SH   DFND 0 1,528 0 0
BROOKFIELD ASSET MGMT LTD FOREIGN EQUITIES 113004105   10,948 382 SH   DFND 0 382 0 0
C H ROBINSON WORLDWIDE INC COMMON STOCK 12541W209   27,468 300 SH   DFND 0 300 0 0
CIGNA CORP COMMON STOCK 125523100   338,950 1,023 SH   SOLE 0 1,023 0 0
CIGNA CORP COMMON STOCK 125523100   107,350 324 SH   DFND 0 324 0 0
CSX CORP COMMON STOCK 126408103   323,946 10,460 SH   SOLE 0 10,460 0 0
CSX CORP COMMON STOCK 126408103   1,754,140 56,640 SH   DFND 0 56,640 0 0
CVS HEALTH CORP COMMON STOCK 126650100   3,253,598 34,914 SH   SOLE 0 34,914 0 0
CVS HEALTH CORP COMMON STOCK 126650100   711,222 7,632 SH   DFND 0 7,632 0 0
CAMPBELL SOUP CO COMMON STOCK 134429109   22,700 400 SH   DFND 0 400 0 0
CANADIAN NAT RES LTD COM FOREIGN EQUITIES 13638510C   3,053 55 SH   SOLE 0 55 0 0
CARDINAL HEALTH INC COMMON STOCK 14149Y108   5,611 73 SH   DFND 0 73 0 0
CARMAX INC COMMON STOCK 143130102   6,027 99 SH   SOLE 0 99 0 0
CARRIER GLOBAL CORPORATION COMMON STOCK 14448C104   425,899 10,325 SH   SOLE 0 10,325 0 0
CARRIER GLOBAL CORPORATION COMMON STOCK 14448C104   49,085 1,190 SH   DFND 0 1,190 0 0
CATERPILLAR INC COMMON STOCK 149123101   4,757,177 19,858 SH   SOLE 0 19,858 0 0
CATERPILLAR INC COMMON STOCK 149123101   219,196 915 SH   DFND 0 915 0 0
CEL SCI CORP COMMON STOCK 150837607   1,170 500 SH   SOLE 0 500 0 0
CHARTER COMMUNICATIONS INC NCL A COMMON STOCK 16119P108   18,310 54 SH   SOLE 0 54 0 0
THE CHEMOURS CO COMMON STOCK 163851108   11,019 360 SH   DFND 0 360 0 0
CHEVRON CORP COMMON STOCK 166764100   5,489,482 30,584 SH   SOLE 0 30,584 0 0
CHEVRON CORP COMMON STOCK 166764100   922,035 5,137 SH   DFND 0 5,137 0 0
CHIPOTLE MEXICAN GRILL COMMON STOCK 169656105   6,937 5 SH   SOLE 0 5 0 0
CHURCH & DWIGHT CO INC COMMON STOCK 171340102   161,220 2,000 SH   DFND 0 2,000 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102   7,624,542 160,080 SH   SOLE 0 160,080 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102   1,438,086 30,193 SH   DFND 0 30,193 0 0
CITIGROUP INC COMMON STOCK 172967424   13,566 300 SH   DFND 0 300 0 0
CITIZENS FINANCIAL GROUP INC COMMON STOCK 174610105   4,368 111 SH   SOLE 0 111 0 0
COCA COLA COMPANY COMMON STOCK 191216100   8,465,418 133,084 SH   SOLE 0 133,084 0 0
COCA COLA COMPANY COMMON STOCK 191216100   733,799 11,536 SH   DFND 0 11,536 0 0
COHERENT CORP COMMON STOCK 19247G107   7,018 200 SH   DFND 0 200 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103   1,788,848 22,704 SH   SOLE 0 22,704 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103   193,429 2,455 SH   DFND 0 2,455 0 0
COMCAST CORP CLASS A COMMON STOCK 20030N101   2,167,129 61,972 SH   SOLE 0 61,972 0 0
COMCAST CORP CLASS A COMMON STOCK 20030N101   167,468 4,789 SH   DFND 0 4,789 0 0
COMMUNITY BK SYS INC COMMON STOCK 203607106   574,859 9,132 SH   SOLE 0 9,132 0 0
COMMUNITY BK SYS INC COMMON STOCK 203607106   7,854,013 124,766 SH   DFND 0 124,766 0 0
CONAGRA FOODS INC COMMON STOCK 205887102   425,696 11,000 SH   SOLE 0 11,000 0 0
CONAGRA FOODS INC COMMON STOCK 205887102   7,740 200 SH   DFND 0 200 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104   1,657,900 14,050 SH   SOLE 0 14,050 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104   24,308 206 SH   DFND 0 206 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104   263,054 2,760 SH   SOLE 0 2,760 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104   266,867 2,800 SH   DFND 0 2,800 0 0
CONSTELLATION BRANDS INC COMMON STOCK 21036P108   231,750 1,000 SH   SOLE 0 1,000 0 0
CONSTELLATION BRANDS INC COMMON STOCK 21036P108   231,750 1,000 SH   DFND 0 1,000 0 0
CONSTELLATION ENERGY CORP COMMON STOCK 21037T109   24,310 282 SH   DFND 0 282 0 0
COOPER COMPANIES INC COMMON STOCK 216648402   54,889 166 SH   SOLE 0 166 0 0
COOPER COMPANIES INC COMMON STOCK 216648402   33,066 100 SH   DFND 0 100 0 0
CORNING INC COMMON STOCK 219350105   1,504,746 47,127 SH   SOLE 0 47,127 0 0
CORNING INC COMMON STOCK 219350105   87,807 2,750 SH   DFND 0 2,750 0 0
CORTEVA INC COMMON STOCK 22052L104   334,804 5,697 SH   SOLE 0 5,697 0 0
CORTEVA INC COMMON STOCK 22052L104   57,240 974 SH   DFND 0 974 0 0
COSTCO COMMON STOCK 22160K105   55,235 121 SH   SOLE 0 121 0 0
COUPANG INC CL A FOREIGN EQUITIES 22266T109   2,942 200 SH   DFND 0 200 0 0
CRACKER BARREL COMMON STOCK 22410J106   1,421 15 SH   SOLE 0 15 0 0
CROCS INC COMMON STOCK 227046109   95,960 885 SH   SOLE 0 885 0 0
CUMMINS INC COMMON STOCK 231021106   2,168,482 8,950 SH   SOLE 0 8,950 0 0
CUMMINS INC COMMON STOCK 231021106   554,843 2,290 SH   DFND 0 2,290 0 0
DANAHER CORP COMMON STOCK 235851102   127,927 482 SH   SOLE 0 482 0 0
DEERE & COMPANY COMMON STOCK 244199105   42,876 100 SH   SOLE 0 100 0 0
DEERE & COMPANY COMMON STOCK 244199105   214,380 500 SH   DFND 0 500 0 0
DELL TECHNOLOGIES INC COMMON STOCK 24703L202   1,126 28 SH   DFND 0 28 0 0
DIAMONDBACK ENERGY, INC. COMMON STOCK 25278X109   7,112 52 SH   SOLE 0 52 0 0
DIGI INTL INC COMMON STOCK 253798102   14,616 400 SH   DFND 0 400 0 0
DIGITAL REALTY TRUST INC COMMON STOCK 253868103   10,628 106 SH   SOLE 0 106 0 0
DIME CMNTY BANCSHARES INC COMMON STOCK 25432X102   6,364 200 SH   SOLE 0 200 0 0
WALT DISNEY CO COMMON STOCK 254687106   2,144,702 24,686 SH   SOLE 0 24,686 0 0
WALT DISNEY CO COMMON STOCK 254687106   141,003 1,623 SH   DFND 0 1,623 0 0
DISCOVER FINANCIAL SERVICES COMMON STOCK 254709108   9,000 92 SH   SOLE 0 92 0 0
DOLLAR GENERAL CORP COMMON STOCK 256677105   550,360 2,235 SH   SOLE 0 2,235 0 0
DOLLAR GENERAL CORP COMMON STOCK 256677105   108,349 440 SH   DFND 0 440 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109   3,057,865 49,876 SH   SOLE 0 49,876 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109   446,146 7,277 SH   DFND 0 7,277 0 0
DORCHESTER MINERALS LP COMMON STOCK 25820R105   1,546,631 51,675 SH   SOLE 0 51,675 0 0
DOVER CORP COMMON STOCK 260003108   4,874 36 SH   SOLE 0 36 0 0
DOW INC COMMON STOCK 260557103   2,537,509 50,368 SH   SOLE 0 50,368 0 0
DOW INC COMMON STOCK 260557103   129,721 2,575 SH   DFND 0 2,575 0 0
DRAFTKINGS INC CL A COMMON STOCK 26142V105   2,278 200 SH   SOLE 0 200 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204   316,174 3,070 SH   SOLE 0 3,070 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204   46,344 450 SH   DFND 0 450 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102   3,257,679 47,468 SH   SOLE 0 47,468 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102   195,314 2,846 SH   DFND 0 2,846 0 0
EOG RESOURCES INC COMMON STOCK 26875P101   426,638 3,294 SH   SOLE 0 3,294 0 0
EOG RESOURCES INC COMMON STOCK 26875P101   6,476 50 SH   DFND 0 50 0 0
EASTMAN CHEMICAL CO COMMON STOCK 277432100   228,032 2,800 SH   SOLE 0 2,800 0 0
EBAY INC COMMON STOCK 278642103   8,294 200 SH   SOLE 0 200 0 0
ECOLAB INC COMMON STOCK 278865100   138,282 950 SH   SOLE 0 950 0 0
ECOLAB INC COMMON STOCK 278865100   36,390 250 SH   DFND 0 250 0 0
EDISON INTL COMMON STOCK 281020107   237,074 3,727 SH   DFND 0 3,727 0 0
EDWARDS LIFESCIENCES CORP COMMON STOCK 28176E108   3,133 42 SH   SOLE 0 42 0 0
EDWARDS LIFESCIENCES CORP COMMON STOCK 28176E108   71,625 960 SH   DFND 0 960 0 0
EMERSON ELECTRIC CO COMMON STOCK 291011104   5,338,213 55,572 SH   SOLE 0 55,572 0 0
EMERSON ELECTRIC CO COMMON STOCK 291011104   642,060 6,684 SH   DFND 0 6,684 0 0
ENBRIDGE INC FOREIGN EQUITIES 29250N105   41,044 1,050 SH   SOLE 0 1,050 0 0
ENBRIDGE INC FOREIGN EQUITIES 29250N105   41,005 1,049 SH   DFND 0 1,049 0 0
ENERGY TRANSFER EQUITY LP COMMON STOCK 29273V100   24,808 2,090 SH   DFND 0 2,090 0 0
ENTERPRISE PRODS PARTNERS LP COMMON STOCK 293792107   31,245 1,296 SH   SOLE 0 1,296 0 0
EQUIFAX INC COMMON STOCK 294429105   233,232 1,200 SH   SOLE 0 1,200 0 0
EQUIFAX INC COMMON STOCK 294429105   505,336 2,600 SH   DFND 0 2,600 0 0
ERICSSON L M TEL CO ADR B SEK 10 FOREIGN EQUITIES 294821608   934 160 SH   DFND 0 160 0 0
ESCO TECHNOLOGIES COMMON STOCK 296315104   7,353 84 SH   DFND 0 84 0 0
ESSENTIAL UTILITIES INC COMMON STOCK 29670G102   1,057,187 22,154 SH   SOLE 0 22,154 0 0
ESSENTIAL UTILITIES INC COMMON STOCK 29670G102   76,972 1,613 SH   DFND 0 1,613 0 0
EXELON CORP COMMON STOCK 30161N101   946,600 21,902 SH   SOLE 0 21,902 0 0
EXELON CORP COMMON STOCK 30161N101   133,332 3,085 SH   DFND 0 3,085 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102   5,442,740 49,345 SH   SOLE 0 49,345 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102   1,647,550 14,937 SH   DFND 0 14,937 0 0
FS KKR CAPITAL CORP COMMON STOCK 302635206   10,867 621 SH   SOLE 0 621 0 0
META PLATFORMS INC COMMON STOCK 30303M102   33,695 280 SH   DFND 0 280 0 0
FASTENAL CO COMMON STOCK 311900104   293,322 6,200 SH   SOLE 0 6,200 0 0
FEDEX CORP COMMON STOCK 31428X106   490,156 2,830 SH   SOLE 0 2,830 0 0
FEDEX CORP COMMON STOCK 31428X106   19,052 110 SH   DFND 0 110 0 0
FIDELITY NATL INFORMATION SV COMMON STOCK 31620M106   67,850 1,000 SH   SOLE 0 1,000 0 0
FIDELITY NATL INFORMATION SV COMMON STOCK 31620M106   67,850 1,000 SH   DFND 0 1,000 0 0
FIFTH THIRD BANCORP COMMON STOCK 316773100   21,484 655 SH   DFND 0 655 0 0
FIRST HORIZON NATL CORP COMMON STOCK 320517105   12,250 500 SH   SOLE 0 500 0 0
FIRST SOLAR, INC. COMMON STOCK 336433107   748,950 5,000 SH   DFND 0 5,000 0 0
FIRST TRUST DIVIDEND LEADERS ETF/EQUITY 336917109   40,216 1,100 SH   SOLE 0 1,100 0 0
FLEXSHARES GLOBAL UPSTREAM NATURAL RESOURCES ETF/INTERNATIONAL EQUITY 33939L407   1,497,318 34,445 SH   SOLE 0 34,445 0 0
FLEXSHARES GLOBAL UPSTREAM NATURAL RESOURCES ETF/INTERNATIONAL EQUITY 33939L407   67,377 1,550 SH   DFND 0 1,550 0 0
FOOT LOCKER INC COMMON STOCK 344849104   1,095 29 SH   SOLE 0 29 0 0
FORD MOTOR COMPANY COMMON STOCK 345370860   23,908 2,056 SH   SOLE 0 2,056 0 0
FORD MOTOR COMPANY COMMON STOCK 345370860   9,304 800 SH   DFND 0 800 0 0
FORTUNE BRANDS HOME & SEC COMMON STOCK 34964C106   27,412 480 SH   SOLE 0 480 0 0
FOX CORP COMMON STOCK 35137L105   166,980 5,500 SH   SOLE 0 5,500 0 0
FRANCO NEVADA CORP FOREIGN EQUITIES 351858105   18,015 132 SH   DFND 0 132 0 0
FRANKLIN FTSE CANADA ETF/INTERNATIONAL EQUITY 35473P827   379,069 12,755 SH   SOLE 0 12,600 0 155
FRANKLIN FTSE CANADA ETF/INTERNATIONAL EQUITY 35473P827   11,442 385 SH   DFND 0 385 0 0
FREEPORT MCMORAN INC COMMON STOCK 35671D857   343,900 9,050 SH   SOLE 0 9,050 0 0
FREEPORT MCMORAN INC COMMON STOCK 35671D857   3,800 100 SH   DFND 0 100 0 0
FRESENIUS MEDICAL CARE AG & CO KGAA FOREIGN EQUITIES 358029106   1,634 100 SH   DFND 0 100 0 0
GABELLI MULTIMEDIA TR INC CLOSED END MUTUAL FUNDS 36239Q109   1,599 299 SH   DFND 0 299 0 0
GABELLI EQUITY TR INC CLOSED END MUTUAL FUNDS 362397101   5,480 1,000 SH   DFND 0 1,000 0 0
GABELLI UTILITY TRUST CLOSED END MUTUAL FUNDS 36240A101   2,478 330 SH   DFND 0 330 0 0
GAP INC COMMON STOCK 364760108   22,560 2,000 SH   SOLE 0 2,000 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108   1,988,835 8,016 SH   SOLE 0 8,016 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108   59,546 240 SH   DFND 0 240 0 0
GENERAL ELECTRIC CO COMMON STOCK 369604301   144,031 1,719 SH   SOLE 0 1,719 0 0
GENERAL ELECTRIC CO COMMON STOCK 369604301   113,701 1,357 SH   DFND 0 1,357 0 0
GENERAL MILLS INC COMMON STOCK 370334104   3,722,421 44,394 SH   SOLE 0 44,394 0 0
GENERAL MILLS INC COMMON STOCK 370334104   317,790 3,790 SH   DFND 0 3,790 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103   1,512,926 17,623 SH   SOLE 0 17,623 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103   193,162 2,250 SH   DFND 0 2,250 0 0
GLAXOSMITHKLINE PLC 25P ADR FOREIGN EQUITIES 37733W204   5,620 160 SH   DFND 0 160 0 0
GLOBAL X MLP ETF ETF/EQUITY 37954Y343   28,077 680 SH   SOLE 0 680 0 0
GLOBAL X ROBOTICS & AI ETF ETF/INTERNATIONAL EQUITY 37954Y715   49,697 2,420 SH   SOLE 0 2,390 0 30
GLOBAL X ROBOTICS & AI ETF ETF/INTERNATIONAL EQUITY 37954Y715   1,540 75 SH   DFND 0 75 0 0
GLOBAL X LITHIUM & BATTERY TECH ETF ETF/INTERNATIONAL EQUITY 37954Y855   61,533 1,050 SH   SOLE 0 1,035 0 15
GLOBAL X LITHIUM & BATTERY TECH ETF ETF/INTERNATIONAL EQUITY 37954Y855   1,465 25 SH   DFND 0 25 0 0
GOLDMAN SACHS ACCESS ULTRAST ETF/FIXED INCOME 381430230   99,100 2,000 SH   SOLE 0 2,000 0 0
GOLDMAN SACHS JUST US LARGE CAP EQUITY ETF ETF/EQUITY 381430396   5,801 105 SH   SOLE 0 105 0 0
GRAINGER W W INC COMMON STOCK 384802104   5,562 10 SH   SOLE 0 10 0 0
HALEON PLC FOREIGN EQUITIES 405552100   1,600 200 SH   DFND 0 200 0 0
HARLEY DAVIDSON INC COMMON STOCK 412822108   8,318 200 SH   SOLE 0 200 0 0
HERSHEY CO COMMON STOCK 427866108   170,898 738 SH   SOLE 0 738 0 0
HOME DEPOT INC COMMON STOCK 437076102   3,553,896 11,252 SH   SOLE 0 11,252 0 0
HOME DEPOT INC COMMON STOCK 437076102   48,955 155 SH   DFND 0 155 0 0
HONEYWELL INTL INC COMMON STOCK 438516106   2,399,715 11,198 SH   SOLE 0 11,198 0 0
HONEYWELL INTL INC COMMON STOCK 438516106   60,860 284 SH   DFND 0 284 0 0
HUMANA INC COMMON STOCK 444859102   6,146 12 SH   SOLE 0 12 0 0
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109   4,305,087 19,542 SH   SOLE 0 19,542 0 0
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109   558,460 2,535 SH   DFND 0 2,535 0 0
IMMUNOCORE HLDGS PLC ADS FOREIGN EQUITIES 45258D105   1,768 31 SH   SOLE 0 31 0 0
INCYTE CORP COMMON STOCK 45337C102   8,031 100 SH   SOLE 0 100 0 0
INFINITY PHARMACEUTICALS INC COMMON STOCK 45665G303   3,300 6,000 SH   SOLE 0 6,000 0 0
INFUSYSTEMS HOLDINGS INC COMMON STOCK 45685K102   8,680 1,000 SH   SOLE 0 1,000 0 0
INGERSOLL RAND INC COMMON STOCK 45687V106   57,213 1,095 SH   SOLE 0 1,095 0 0
INTEL CORP COMMON STOCK 458140100   3,624,360 137,133 SH   SOLE 0 137,133 0 0
INTEL CORP COMMON STOCK 458140100   401,202 15,180 SH   DFND 0 15,180 0 0
INTL BUSINESS MACHINES CORP COMMON STOCK 459200101   12,114,796 85,988 SH   SOLE 0 85,988 0 0
INTL BUSINESS MACHINES CORP COMMON STOCK 459200101   6,018,816 42,720 SH   DFND 0 42,720 0 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103   395,360 11,417 SH   SOLE 0 11,417 0 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103   22,717 656 SH   DFND 0 656 0 0
INVESCO ACTIVELY MANAGD ETF ULTRA SHRT DUR ETF/FIXED INCOME 46090A887   317,458 6,420 SH   SOLE 0 6,420 0 0
INVESCO ACTIVELY MANAGD ETF ULTRA SHRT DUR ETF/FIXED INCOME 46090A887   4,005 81 SH   DFND 0 81 0 0
INVESCO QQQ TRUST ETF/EQUITY 46090E103   909,035 3,414 SH   SOLE 8 3,406 8 0
INVESCO QQQ TRUST ETF/EQUITY 46090E103   84,937 319 SH   DFND 0 319 0 0
INTUIT INC COMMON STOCK 461202103   10,119 26 SH   SOLE 0 26 0 0
INVESCO WILDERHILL CLEAN ENERGY ETF ETF/EQUITY 46137V134   13,213 345 SH   SOLE 0 345 0 0
INVESCO WILDERHILL CLEAN ENERGY ETF ETF/EQUITY 46137V134   12,951 338 SH   DFND 0 338 0 0
INVESCO FTSE RAFI US1000 ETF ETF/EQUITY 46137V613   13,963 90 SH   SOLE 0 90 0 0
INVESCO VARIABLE RATE PFD ETF/EQUITY 46138G870   1,259,098 56,260 SH   SOLE 0 56,260 0 0
INVESCO BULLETSHARES 2028 CORP BOND ETF/FIXED INCOME 46138J643   8,922 455 SH   SOLE 0 455 0 0
INVESCO BULLETSHARES 2027 CORP BOND ETF/FIXED INCOME 46138J783   10,634 560 SH   SOLE 0 560 0 0
INVESCO BULLETSHS 26 CRP ETF ETF/FIXED INCOME 46138J791   10,595 560 SH   SOLE 0 560 0 0
INVESCO BULLETSHARES ETF ETF/FIXED INCOME 46138J825   12,178 605 SH   SOLE 0 605 0 0
INVESCO BULLETSHS 24 CRP ETF ETF/FIXED INCOME 46138J841   359,211 17,540 SH   SOLE 0 17,070 0 470
INVESCO BULLETSHS 24 CRP ETF ETF/FIXED INCOME 46138J841   7,987 390 SH   DFND 0 390 0 0
INVESCO BULLETSHS CORP 2023 ETF/FIXED INCOME 46138J866   6,291 300 SH   SOLE 0 300 0 0
IQVIA HLDGS INC COMMON STOCK 46266C105   20,489 100 SH   SOLE 0 100 0 0
IRIDIUM COMMUNICATIONS INC COMMON STOCK 46269C102   10,280 200 SH   DFND 0 200 0 0
ISHARES SILVER TRUST ETF/OTHER 46428Q109   16,515 750 SH   SOLE 0 750 0 0
ISHARES SILVER TRUST ETF/OTHER 46428Q109   36,663 1,665 SH   DFND 0 1,665 0 0
ISHARES GOLD TRUST ETF/OTHER 464285204   3,629,343 104,925 SH   SOLE 0 104,775 0 150
ISHARES MSCI CANADA ETF ETF/INTERNATIONAL EQUITY 464286509   3,093,536 94,547 SH   SOLE 0 94,507 40 0
ISHARES MSCI CANADA ETF ETF/INTERNATIONAL EQUITY 464286509   72,046 2,202 SH   DFND 0 2,202 0 0
ISHARES SELECT DIVIDEND ETF ETF/EQUITY 464287168   72,360 600 SH   SOLE 0 600 0 0
ISHARES TIPS BOND ETF ETF/FIXED INCOME 464287176   49,600 466 SH   SOLE 0 466 0 0
ISHARES CORE S&P 500 ETF ETF/EQUITY 464287200   39,689,002 103,303 SH   SOLE 0 103,265 38 0
ISHARES CORE S&P 500 ETF ETF/EQUITY 464287200   135,235 352 SH   DFND 0 352 0 0
ISHARES CORE US AGGREGATE BOND ETF ETF/FIXED INCOME 464287226   47,525 490 SH   SOLE 0 490 0 0
ISHARES MSCI EMERGING MKTS ETF ETF/INTERNATIONAL EQUITY 464287234   139,927 3,693 SH   SOLE 0 3,693 0 0
ISHARES IBOXX $ INVMT GRADE CORP BOND ETF ETF/FIXED INCOME 464287242   153,821 1,459 SH   SOLE 0 1,419 40 0
ISHARES S&P 500 GROWTH ETF ETF/EQUITY 464287309   748,098 12,788 SH   SOLE 0 12,788 0 0
ISHARES GLOBAL HEALTHCARE ETF/EQUITY 464287325   1,479,871 17,435 SH   SOLE 0 17,410 0 25
ISHARES GLOBAL HEALTHCARE ETF/EQUITY 464287325   3,395 40 SH   DFND 0 40 0 0
ISHARES S&P 500 VALUE ETF ETF/EQUITY 464287408   829,945 5,721 SH   SOLE 0 5,721 0 0
ISHARES 7-10 YEAR TSY BOND ETF/FIXED INCOME 464287440   834,711 8,715 SH   SOLE 0 8,715 0 0
ISHARES 7-10 YEAR TSY BOND ETF/FIXED INCOME 464287440   7,183 75 SH   DFND 0 75 0 0
ISHARES 1-3 YR TREASURY BOND ETF/FIXED INCOME 464287457   720,948 8,882 SH   SOLE 0 8,882 0 0
ISHARES 1-3 YR TREASURY BOND ETF/FIXED INCOME 464287457   4,383 54 SH   DFND 0 54 0 0
ISHARES MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 464287465   2,045,793 31,172 SH   SOLE 0 31,172 0 0
ISHARES MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 464287465   281,354 4,287 SH   DFND 0 4,287 0 0
ISHARES RUSSELL MIDCAP VALUE ETF/EQUITY 464287473   3,946,866 37,468 SH   SOLE 0 37,468 0 0
ISHARES RUSSELL MIDCAP VALUE ETF/EQUITY 464287473   168,543 1,600 SH   DFND 0 1,600 0 0
ISHARES RUSSELL MIDCAP ETF ETF/EQUITY 464287499   119,656 1,774 SH   DFND 0 1,774 0 0
ISHARES CORE S&P MIDCAP ETF ETF/EQUITY 464287507   11,857,665 49,021 SH   SOLE 0 49,002 0 19
ISHARES CORE S&P MIDCAP ETF ETF/EQUITY 464287507   135,454 560 SH   DFND 0 560 0 0
ISHARES RUSSELL 1000 VALUE ETF/EQUITY 464287598   3,841,560 25,332 SH   SOLE 0 25,148 49 135
ISHARES RUSSELL 1000 VALUE ETF/EQUITY 464287598   175,758 1,159 SH   DFND 0 1,159 0 0
ISHARES S&P MIDCAP 400 GROWTH ETF ETF/EQUITY 464287606   408,374 5,980 SH   SOLE 0 5,980 0 0
ISHARES S&P MIDCAP 400 GROWTH ETF ETF/EQUITY 464287606   40,974 600 SH   DFND 0 600 0 0
ISHARES RUSSELL 1000 GROWTH ETF ETF/EQUITY 464287614   5,087,537 23,747 SH   SOLE 0 23,667 0 80
ISHARES RUSSELL 1000 GROWTH ETF ETF/EQUITY 464287614   134,328 627 SH   DFND 0 627 0 0
ISHARES RUSSELL 2000 VALUE ETF/EQUITY 464287630   28,982 209 SH   DFND 0 209 0 0
ISHARES RUSSELL 2000 GROWTH ETF ETF/EQUITY 464287648   30,247 141 SH   DFND 0 141 0 0
ISHARES RUSSELL 2000 ETF ETF/EQUITY 464287655   823,144 4,721 SH   SOLE 0 4,721 0 0
ISHARES RUSSELL 2000 ETF ETF/EQUITY 464287655   109,496 628 SH   DFND 0 628 0 0
ISHARES CORE S&P SMALLCAP ETF ETF/EQUITY 464287804   14,221,149 150,266 SH   SOLE 0 150,211 0 55
ISHARES CORE S&P SMALLCAP ETF ETF/EQUITY 464287804   130,696 1,381 SH   DFND 0 1,381 0 0
ISHARES GLOBAL CLEAN ENERGY ETF/INTERNATIONAL EQUITY 464288224   334,304 16,850 SH   SOLE 0 16,850 0 0
ISHARES GLOBAL CLEAN ENERGY ETF/INTERNATIONAL EQUITY 464288224   17,856 900 SH   DFND 0 900 0 0
ISHARES MSCI ACWI EX US ETF ETF/INTERNATIONAL EQUITY 464288240   1,899,100 41,739 SH   SOLE 0 41,695 44 0
ISHARES MSCI ACWI EX US ETF ETF/INTERNATIONAL EQUITY 464288240   169,210 3,719 SH   DFND 0 3,719 0 0
ISHARES MSCI ACWI ETF ETF/EQUITY 464288257   13,076,178 154,055 SH   SOLE 0 154,055 0 0
ISHARES MSCI ACWI ETF ETF/EQUITY 464288257   15,108 178 SH   DFND 0 178 0 0
ISHARES IBOXX $ HIGH YIELD CORP BOND ETF ETF/FIXED INCOME 464288513   253,212 3,439 SH   SOLE 0 3,399 40 0
ISHARES IBOXX $ HIGH YIELD CORP BOND ETF ETF/FIXED INCOME 464288513   80,474 1,093 SH   DFND 0 1,093 0 0
ISHARES INTERMEDIATE CREDIT BOND ETF ETF/FIXED INCOME 464288638   24,552 496 SH   DFND 0 496 0 0
ISHARES SHORT TERM CORP BOND ETF/FIXED INCOME 464288646   94,636 1,900 SH   DFND 0 1,900 0 0
ISHARES US PREFERRED STOCK ETF/OTHER 464288687   1,736,769 56,906 SH   SOLE 0 56,906 0 0
ISHARES US PREFERRED STOCK ETF/OTHER 464288687   142,831 4,680 SH   DFND 0 4,680 0 0
ISHARES MSCI EAFE VALUE ETF ETF/EQUITY 464288877   1,514 33 SH   SOLE 0 33 0 0
ISHARES CORE HIGH DIVIDEND ETF/EQUITY 46429B663   238,709 2,290 SH   SOLE 0 2,290 0 0
ISHARES CORE HIGH DIVIDEND ETF/EQUITY 46429B663   9,381 90 SH   DFND 0 90 0 0
ISHARES EDGE MSCI MIN VOL USA ETF ETF/EQUITY 46429B697   7,499,689 104,018 SH   SOLE 0 103,903 0 115
ISHARES CORE MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 46432F842   33,634,472 545,749 SH   SOLE 0 545,479 0 270
ISHARES CORE MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 46432F842   259,148 4,205 SH   DFND 0 4,205 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 46434G103   8,651,634 185,260 SH   SOLE 0 185,135 0 125
ISHARES CORE MSCI EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 46434G103   15,177 325 SH   DFND 0 325 0 0
ISHARES MSCI EM EX CHINA ETF/INTERNATIONAL EQUITY 46434G764   1,815,004 38,235 SH   SOLE 0 38,210 0 25
ISHARES MSCI EM EX CHINA ETF/INTERNATIONAL EQUITY 46434G764   2,848 60 SH   DFND 0 60 0 0
ISHARES ESG MSCI EM ETF ETF/INTERNATIONAL EQUITY 46434G863   299,390 9,960 SH   SOLE 0 9,960 0 0
ISHARES IBONDS DEC 2023 ETF ETF/FIXED INCOME 46434VAX8   35,028 1,400 SH   DFND 0 1,400 0 0
ISHARES MSCI ACWI LOW CARBON ETF/EQUITY 46434V464   2,762 20 SH   SOLE 0 20 0 0
ISHARES TR ESG AWRE 1 5 YR ETF/FIXED INCOME 46435G243   1,782 75 SH   SOLE 0 75 0 0
ISHARES TR ESG MSCI USA ETF (ESGU) ETF/EQUITY 46435G425   10,593 125 SH   SOLE 0 125 0 0
ISHARES TR ESG MSCI USA ETF (ESGU) ETF/EQUITY 46435G425   20,594 243 SH   DFND 0 243 0 0
ISHARES ESG ADV HIGH YIELD ETF/FIXED INCOME 46435G441   9,939 230 SH   SOLE 0 230 0 0
ISHARES ESG MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 46435G516   320,809 4,880 SH   SOLE 0 4,880 0 0
ISHARES BB RATED CRP BND ETF ETF/FIXED INCOME 46435U473   2,887,332 65,030 SH   SOLE 0 64,925 0 105
ISHARES BB RATED CRP BND ETF ETF/FIXED INCOME 46435U473   3,774 85 SH   DFND 0 85 0 0
ISHARES ESG AWARE MSCI SMALLCAP ETF ETF/EQUITY 46435U663   1,150 35 SH   SOLE 0 35 0 0
ISHARES IBONDS DEC 2030 TERM TSY ETF ETF/FIXED INCOME 46436E593   300,026 15,355 SH   SOLE 0 14,900 0 455
ISHARES IBONDS DEC 2030 TERM TSY ETF ETF/FIXED INCOME 46436E593   7,522 385 SH   DFND 0 385 0 0
ISHARES 0-3 MONTH TREASURY ETF/FIXED INCOME 46436E718   116,154 1,160 SH   SOLE 0 1,125 0 35
JPMORGAN CHASE & CO COMMON STOCK 46625H100   10,114,984 75,429 SH   SOLE 0 75,429 0 0
JPMORGAN CHASE & CO COMMON STOCK 46625H100   957,602 7,141 SH   DFND 0 7,141 0 0
JABIL CIRCUIT INC. COMMON STOCK 466313103   16,231 238 SH   SOLE 0 238 0 0
JPMORGAN EQUITY PREMIUM INC ETF/EQUITY 46641Q332   9,721,002 178,400 SH   SOLE 0 178,185 0 215
JPMORGAN EQUITY PREMIUM INC ETF/EQUITY 46641Q332   8,173 150 SH   DFND 0 150 0 0
JP MORGAN ULTRA SHORT INC ETF/FIXED INCOME 46641Q837   88,478 1,765 SH   SOLE 0 1,765 0 0
JACOBS SOLUTIONS INC COMMON STOCK 46982L108   23,293 194 SH   DFND 0 194 0 0
JANUS DETROIT STREET TR HENDERSON AAA CLO ETF/FIXED INCOME 47103U845   3,302,942 67,065 SH   SOLE 0 66,820 0 245
JANUS DETROIT STREET TR HENDERSON AAA CLO ETF/FIXED INCOME 47103U845   13,297 270 SH   DFND 0 270 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104   10,699,583 60,570 SH   SOLE 0 60,570 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104   1,991,716 11,275 SH   DFND 0 11,275 0 0
JOUNCE THERAPEUTICS INC COMMON STOCK 481116101   1,100 1,000 SH   SOLE 0 1,000 0 0
KLA CORPORATION COMMON STOCK 482480100   8,294 22 SH   SOLE 0 22 0 0
KELLOGG COMPANY COMMON STOCK 487836108   356 5 SH   SOLE 0 5 0 0
KELLOGG COMPANY COMMON STOCK 487836108   56,992 800 SH   DFND 0 800 0 0
KEURIG DR PEPPER INC COMMON STOCK 49271V100   5,989 168 SH   SOLE 0 168 0 0
KEYCORP COMMON STOCK 493267108   10,515 604 SH   SOLE 0 604 0 0
KEYCORP COMMON STOCK 493267108   8,705 500 SH   DFND 0 500 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103   1,683,697 12,403 SH   SOLE 0 12,403 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103   318,333 2,345 SH   DFND 0 2,345 0 0
KINDER MORGAN INC COMMON STOCK 49456B101   829,132 45,885 SH   SOLE 0 45,885 0 0
KINDER MORGAN INC COMMON STOCK 49456B101   79,687 4,410 SH   DFND 0 4,410 0 0
KOHLS CORP COMMON STOCK 500255104   5,050 200 SH   DFND 0 200 0 0
KRAFT HEINZ COMPANY COMMON STOCK 500754106   2,116 52 SH   SOLE 0 52 0 0
KRAFT HEINZ COMPANY COMMON STOCK 500754106   94,953 2,333 SH   DFND 0 2,333 0 0
KYNDRYL HOLDINGS INC COMMON STOCK 50155Q100   1,733 156 SH   SOLE 0 156 0 0
KYNDRYL HOLDINGS INC COMMON STOCK 50155Q100   889 80 SH   DFND 0 80 0 0
L3HARRIS TECHNOLOGIES INC COMMON STOCK 502431109   6,246 30 SH   DFND 0 30 0 0
LABORATORY CORP AMER HLDGS COMMON STOCK 50540R409   62,166 264 SH   SOLE 0 264 0 0
LAM RESEARCH CORP COMMON STOCK 512807108   474,912 1,130 SH   SOLE 0 1,130 0 0
LAM RESEARCH CORP COMMON STOCK 512807108   29,419 70 SH   DFND 0 70 0 0
ESTEE LAUDER COMP INC CL A COMMON STOCK 518439104   28,780 116 SH   SOLE 0 116 0 0
LIBERTY ALL STAR EQUITY FD CLOSED END MUTUAL FUNDS 530158104   13,697 2,403 SH   SOLE 0 2,403 0 0
LIBERTY ALL STAR EQUITY FD CLOSED END MUTUAL FUNDS 530158104   13,691 2,402 SH   DFND 0 2,402 0 0
ELI LILLY AND COMPANY COMMON STOCK 532457108   1,419,767 3,881 SH   SOLE 0 3,881 0 0
ELI LILLY AND COMPANY COMMON STOCK 532457108   874,333 2,390 SH   DFND 0 2,390 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109   3,323,607 6,832 SH   SOLE 0 6,832 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109   521,988 1,073 SH   DFND 0 1,073 0 0
LOEWS CORP COMMON STOCK 540424108   75,829 1,300 SH   DFND 0 1,300 0 0
LOWES COMPANIES INC COMMON STOCK 548661107   4,364,535 21,906 SH   SOLE 0 21,906 0 0
LOWES COMPANIES INC COMMON STOCK 548661107   309,815 1,555 SH   DFND 0 1,555 0 0
LUMEN TECHNOLOGIES INC COMMON STOCK 550241103   8,816 1,689 SH   DFND 0 1,689 0 0
M & T BANK CORP COMMON STOCK 55261F104   250,227 1,725 SH   SOLE 0 1,725 0 0
M & T BANK CORP COMMON STOCK 55261F104   1,265,647 8,725 SH   DFND 0 8,725 0 0
MGIC INVESTMENT CORP COMMON STOCK 552848103   6,500 500 SH   SOLE 0 500 0 0
MAGELLAN MIDSTREAM PRTNRS LP COMMON STOCK 559080106   5,672 113 SH   SOLE 0 113 0 0
MARATHON OIL CORP COMMON STOCK 565849106   541 20 SH   SOLE 0 20 0 0
MARATHON PETROLEUM CORP COMMON STOCK 56585A102   1,513 13 SH   SOLE 0 13 0 0
MARATHON PETROLEUM CORP COMMON STOCK 56585A102   40,038 344 SH   DFND 0 344 0 0
MARKEL CORPORATION COMMON STOCK 570535104   43,476 33 SH   SOLE 0 33 0 0
MASTERCARD INC CLASS A COMMON STOCK 57636Q104   737,156 2,120 SH   SOLE 0 2,120 0 0
MASTERCARD INC CLASS A COMMON STOCK 57636Q104   19,124 55 SH   DFND 0 55 0 0
MASTERBRAND INC COMMON STOCK 57638P104   3,624 480 SH   SOLE 0 480 0 0
MCDONALDS CORP COMMON STOCK 580135101   4,079,522 15,481 SH   SOLE 0 15,481 0 0
MCDONALDS CORP COMMON STOCK 580135101   241,904 918 SH   DFND 0 918 0 0
MCKESSON CORP COMMON STOCK 58155Q103   621,556 1,657 SH   SOLE 0 1,657 0 0
MCKESSON CORP COMMON STOCK 58155Q103   510,149 1,360 SH   DFND 0 1,360 0 0
MERCK & COMPANY INC COMMON STOCK 58933Y105   11,607,956 104,624 SH   SOLE 0 104,624 0 0
MERCK & COMPANY INC COMMON STOCK 58933Y105   1,853,855 16,709 SH   DFND 0 16,709 0 0
METLIFE INC COMMON STOCK 59156R108   100,593 1,390 SH   SOLE 0 1,390 0 0
METLIFE INC COMMON STOCK 59156R108   11,578 160 SH   DFND 0 160 0 0
METTLER-TOLEDO INTL COMMON STOCK 592688105   410,507 284 SH   SOLE 0 284 0 0
METTLER-TOLEDO INTL COMMON STOCK 592688105   578,180 400 SH   DFND 0 400 0 0
MICROSOFT CORP COMMON STOCK 594918104   14,833,496 61,853 SH   SOLE 0 61,853 0 0
MICROSOFT CORP COMMON STOCK 594918104   2,050,454 8,550 SH   DFND 0 8,550 0 0
MICRON TECHNOLOGY COMMON STOCK 595112103   15,989 320 SH   SOLE 0 320 0 0
MOLINA HEALTHCARE INC COMMON STOCK 60855R100   16,510 50 SH   SOLE 0 50 0 0
MONDELEZ INTL INC CL A COMMON STOCK 609207105   328,781 4,933 SH   SOLE 0 4,933 0 0
MONDELEZ INTL INC CL A COMMON STOCK 609207105   318,253 4,775 SH   DFND 0 4,775 0 0
MORGAN STANLEY COMMON STOCK 617446448   1,748,857 20,570 SH   SOLE 0 20,570 0 0
MOTOROLA SOLUTIONS INC COMMON STOCK 620076307   2,319 9 SH   SOLE 0 9 0 0
MURPHY OIL CORPORATION COMMON STOCK 626717102   14,104 328 SH   SOLE 0 328 0 0
MURPHY USA INC COMMON STOCK 626755102   22,921 82 SH   SOLE 0 82 0 0
NBT BANCORP INC COMMON STOCK 628778102   524,913 12,092 SH   SOLE 0 12,092 0 0
NBT BANCORP INC COMMON STOCK 628778102   410,093 9,447 SH   DFND 0 9,447 0 0
NATIONAL FUEL GAS COMPANY COMMON STOCK 636180101   44,303 700 SH   SOLE 0 700 0 0
NATIONAL FUEL GAS COMPANY COMMON STOCK 636180101   194,680 3,076 SH   DFND 0 3,076 0 0
NATIONAL GRID PLC ADR FOREIGN EQUITIES 636274409   64,711 1,073 SH   DFND 0 1,073 0 0
NETFLIX INC COMMON STOCK 64110L106   103,208 350 SH   SOLE 0 350 0 0
RITHM CAPITAL CORP COMMON STOCK 64828T201   4,705 576 SH   SOLE 0 576 0 0
NEW YORK CMNTY BANCORP INC COMMON STOCK 649445103   8,600 1,000 SH   SOLE 0 1,000 0 0
NEW YORK CMNTY BANCORP INC COMMON STOCK 649445103   1,505 175 SH   DFND 0 175 0 0
NEXSTAR MEDIA GROUP INC COMMON STOCK 65336K103   26,076 149 SH   SOLE 0 149 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101   3,363,394 40,232 SH   SOLE 0 40,232 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101   1,501,874 17,965 SH   DFND 0 17,965 0 0
NIKE INC CLASS B COMMON STOCK 654106103   2,881,234 24,624 SH   SOLE 0 24,624 0 0
NIKE INC CLASS B COMMON STOCK 654106103   184,406 1,576 SH   DFND 0 1,576 0 0
NOKIA CORP ADR FOREIGN EQUITIES 654902204   139 30 SH   DFND 0 30 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108   2,102,198 8,531 SH   SOLE 0 8,531 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108   305,560 1,240 SH   DFND 0 1,240 0 0
NORTHROP GRUMMAN CORP COMMON STOCK 666807102   19,096 35 SH   SOLE 0 35 0 0
NORTHROP GRUMMAN CORP COMMON STOCK 666807102   109,120 200 SH   DFND 0 200 0 0
NORWOOD FINANCIAL CORP COMMON STOCK 669549107   133,452 3,992 SH   SOLE 0 3,992 0 0
NOVARTIS AG ADR FOREIGN EQUITIES 66987V109   433,460 4,778 SH   SOLE 0 4,778 0 0
NOVARTIS AG ADR FOREIGN EQUITIES 66987V109   23,133 255 SH   DFND 0 255 0 0
NUCOR CORP COMMON STOCK 670346105   4,842,532 36,739 SH   SOLE 0 36,739 0 0
NUCOR CORP COMMON STOCK 670346105   884,178 6,708 SH   DFND 0 6,708 0 0
NVIDIA CORPORATION COMMON STOCK 67066G104   923,310 6,318 SH   SOLE 0 6,318 0 0
NVIDIA CORPORATION COMMON STOCK 67066G104   303,240 2,075 SH   DFND 0 2,075 0 0
OLIN CORP COMMON STOCK 680665205   21,172 400 SH   DFND 0 400 0 0
OMNICOM GROUP INC COMMON STOCK 681919106   3,300,645 40,469 SH   SOLE 0 40,469 0 0
OMNICOM GROUP INC COMMON STOCK 681919106   170,052 2,085 SH   DFND 0 2,085 0 0
ONEOK INC COMMON STOCK 682680103   25,885 394 SH   SOLE 0 394 0 0
OPEN LENDING CORP COMMON STOCK 68373J104   1,350 200 SH   SOLE 0 200 0 0
ORACLE CORP COMMON STOCK 68389X105   220,698 2,700 SH   SOLE 0 2,700 0 0
ORACLE CORP COMMON STOCK 68389X105   65,392 800 SH   DFND 0 800 0 0
ORANGE SA ADR FOREIGN EQUITIES 684060106   39,520 4,000 SH   DFND 0 4,000 0 0
ORGANON & CO COMMON STOCK 68622V106   12,092 433 SH   SOLE 0 433 0 0
ORGANON & CO COMMON STOCK 68622V106   2,484 89 SH   DFND 0 89 0 0
OTIS WORLDWIDE CORP COMMON STOCK 68902V107   5,873 75 SH   SOLE 0 75 0 0
OTIS WORLDWIDE CORP COMMON STOCK 68902V107   25,450 325 SH   DFND 0 325 0 0
PNC FINL SVCS GROUP INC COMMON STOCK 693475105   1,905,860 12,067 SH   SOLE 0 12,067 0 0
PNC FINL SVCS GROUP INC COMMON STOCK 693475105   71,862 455 SH   DFND 0 455 0 0
PPG INDUSTRIES INC COMMON STOCK 693506107   116,309 925 SH   SOLE 0 925 0 0
PPG INDUSTRIES INC COMMON STOCK 693506107   6,287 50 SH   DFND 0 50 0 0
PPL CORP COMMON STOCK 69351T106   8,763 300 SH   SOLE 0 300 0 0
PPL CORP COMMON STOCK 69351T106   14,605 500 SH   DFND 0 500 0 0
PACER BENCHMARK DATA&INFRAS RE SECTOR ETF ETF/EQUITY 69374H741   114,181 3,935 SH   SOLE 0 3,865 0 70
PACER BENCHMARK DATA&INFRAS RE SECTOR ETF ETF/EQUITY 69374H741   2,902 100 SH   DFND 0 100 0 0
PAYCOM SOFTWARE INC COMMON STOCK 70432V102   20,790 67 SH   DFND 0 67 0 0
PAYCHEX INC COMMON STOCK 704326107   34,668 300 SH   SOLE 0 300 0 0
PAYCHEX INC COMMON STOCK 704326107   78,002 675 SH   DFND 0 675 0 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103   14,244 200 SH   SOLE 0 200 0 0
PEOPLES FINL SVCS CORP COMMON STOCK 711040105   63,141 1,218 SH   SOLE 0 1,218 0 0
PEPSICO INC COMMON STOCK 713448108   9,760,993 54,030 SH   SOLE 0 54,030 0 0
PEPSICO INC COMMON STOCK 713448108   1,302,729 7,211 SH   DFND 0 7,211 0 0
PFIZER INC COMMON STOCK 717081103   6,588,620 128,584 SH   SOLE 0 128,584 0 0
PFIZER INC COMMON STOCK 717081103   1,698,550 33,149 SH   DFND 0 33,149 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109   164,668 1,627 SH   SOLE 0 1,627 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109   69,733 689 SH   DFND 0 689 0 0
PHILLIPS 66 COMMON STOCK 718546104   1,657,464 15,925 SH   SOLE 0 15,925 0 0
PHILLIPS 66 COMMON STOCK 718546104   10,408 100 SH   DFND 0 100 0 0
PIMCO ENHANCED SHORT MAT ESG ETF/FIXED INCOME 72201R643   96,890 1,000 SH   SOLE 0 1,000 0 0
PIMCO ENHANCED LOW DURATION ETF/FIXED INCOME 72201R718   94,260 1,000 SH   SOLE 0 1,000 0 0
PIMCO ENHANCED SHORT MATURE ACTIVE ETF ETF/FIXED INCOME 72201R833   98,650 1,000 SH   SOLE 0 1,000 0 0
PITNEY BOWES INC COMMON STOCK 724479100   3,032 800 SH   DFND 0 800 0 0
PLAINS ALL AMERICAN PIPELINE COMMON STOCK 726503105   35,280 3,000 SH   DFND 0 3,000 0 0
PRINCIPAL SPECTRUM PFD SEC ETF/EQUITY 74255Y888   2,046,612 119,615 SH   SOLE 0 119,615 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109   8,783,009 57,951 SH   SOLE 0 57,951 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109   1,158,215 7,642 SH   DFND 0 7,642 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102   5,768 58 SH   SOLE 0 58 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102   21,383 215 SH   DFND 0 215 0 0
PUBLIC SVC ENTERPRISE GROUP COMMON STOCK 744573106   4,870,597 79,495 SH   SOLE 0 79,495 0 0
PUBLIC SVC ENTERPRISE GROUP COMMON STOCK 744573106   886,998 14,477 SH   DFND 0 14,477 0 0
PULTE GROUP INC COMMON STOCK 745867101   9,559 210 SH   DFND 0 210 0 0
QUALCOMM INC COMMON STOCK 747525103   2,659,094 24,187 SH   SOLE 0 24,187 0 0
QUALCOMM INC COMMON STOCK 747525103   283,095 2,575 SH   DFND 0 2,575 0 0
QUEST DIAGNOSTICS INC COMMON STOCK 74834L100   310,218 1,983 SH   SOLE 0 1,983 0 0
RADIAN GROUP INC COMMON STOCK 750236101   8,958 470 SH   SOLE 0 470 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101   2,721,183 26,964 SH   SOLE 0 26,964 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101   425,576 4,217 SH   DFND 0 4,217 0 0
REALTY INCOME CORP COMMON STOCK 756109104   21,185 334 SH   SOLE 0 334 0 0
REGULUS THERAPEUTICS INC COMMON STOCK 75915K309   938 690 SH   SOLE 0 690 0 0
REPUBLIC SERVICES INC COMMON STOCK 760759100   12,899 100 SH   SOLE 0 100 0 0
RIBBONS COMMUNICATIONS INC COMMON STOCK 762544104   3,892 1,400 SH   SOLE 0 1,400 0 0
ROCKWELL AUTOMATION INC COMMON STOCK 773903109   39,923 155 SH   DFND 0 155 0 0
ROPER INDS INC COMMON STOCK 776696106   172,832 400 SH   SOLE 0 400 0 0
ROPER INDS INC COMMON STOCK 776696106   100,674 233 SH   DFND 0 233 0 0
ROYAL BANK OF CANADA FOREIGN EQUITIES 780087102   770,023 8,190 SH   SOLE 0 8,190 0 0
ROYAL BANK OF CANADA FOREIGN EQUITIES 780087102   122,036 1,298 SH   DFND 0 1,298 0 0
SHELL PLC FOREIGN EQUITIES 780259305   5,467 96 SH   SOLE 0 96 0 0
SHELL PLC FOREIGN EQUITIES 780259305   17,085 300 SH   DFND 0 300 0 0
S&P GLOBAL INC COMMON STOCK 78409V104   216,036 645 SH   SOLE 0 645 0 0
S&P GLOBAL INC COMMON STOCK 78409V104   229,768 686 SH   DFND 0 686 0 0
SPDR S&P 500 ETF ETF/EQUITY 78462F103   6,696,518 17,511 SH   SOLE 0 17,511 0 0
SPDR S&P 500 ETF ETF/EQUITY 78462F103   331,937 868 SH   DFND 0 868 0 0
SPDR GOLD SHARES ETF/OTHER 78463V107   22,392 132 SH   SOLE 0 132 0 0
SPDR GOLD SHARES ETF/OTHER 78463V107   759,139 4,475 SH   DFND 0 4,475 0 0
SPDR INTERM CORP BOND ETF ETF/FIXED INCOME 78464A375   712,280 22,385 SH   SOLE 0 22,280 0 105
SPDR INTERM CORP BOND ETF ETF/FIXED INCOME 78464A375   11,932 375 SH   DFND 0 375 0 0
SPDR PORTFOLIO S&P500 GROWTH ETF/EQUITY 78464A409   466,725 9,213 SH   SOLE 0 9,213 0 0
SPDR PORTFOLIO S&P 500 VALUE ETF/EQUITY 78464A508   528,878 13,603 SH   SOLE 0 13,603 0 0
SPDR S&P DIVIDEND ETF ETF/EQUITY 78464A763   29,649 237 SH   SOLE 0 237 0 0
SPDR PORTFOLIO S&P 500 ETF/EQUITY 78464A854   856,666 19,050 SH   SOLE 0 18,770 0 280
SPDR PORTFOLIO S&P 500 ETF/EQUITY 78464A854   3,822 85 SH   DFND 0 85 0 0
SPDR BLACKSTONE/GSO SENIOR LOAN ETF ETF/FIXED INCOME 78467V608   1,947,608 47,619 SH   SOLE 0 47,501 0 118
SPDR BLACKSTONE/GSO SENIOR LOAN ETF ETF/FIXED INCOME 78467V608   8,507 208 SH   DFND 0 208 0 0
SPDR DOUBLELINE TOTAL RETURNTACT ETF ETF/FIXED INCOME 78467V848   4,514,510 112,750 SH   SOLE 0 112,750 0 0
SPDR S&P MIDCAP 400 ETF ETF/EQUITY 78467Y107   5,773,812 13,040 SH   SOLE 0 13,024 16 0
SPDR S&P MIDCAP 400 ETF ETF/EQUITY 78467Y107   107,594 243 SH   DFND 0 243 0 0
SPDR PORTFOLIO SMALLCAP ETF ETF/EQUITY 78468R853   13,494 365 SH   SOLE 0 365 0 0
SALESFORCE INC COMMON STOCK 79466L302   46,008 347 SH   SOLE 0 347 0 0
SLB FOREIGN EQUITIES 806857108   122,186 2,286 SH   SOLE 0 2,286 0 0
SLB FOREIGN EQUITIES 806857108   70,339 1,316 SH   DFND 0 1,316 0 0
SCHWAB US SMALL CAP ETF ETF/EQUITY 808524607   3,229,790 79,748 SH   SOLE 0 79,598 150 0
SCHWAB US SMALL CAP ETF ETF/EQUITY 808524607   241,785 5,970 SH   DFND 0 5,970 0 0
MATERIALS SELECT SECTOR SPDR ETF/EQUITY 81369Y100   193,654 2,493 SH   SOLE 0 2,493 0 0
MATERIALS SELECT SECTOR SPDR ETF/EQUITY 81369Y100   775,634 9,985 SH   DFND 0 9,985 0 0
HEALTH CARE SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y209   412,298 3,035 SH   SOLE 0 3,035 0 0
CONSUMER STAPLES SECTOR SPDR ETF/EQUITY 81369Y308   243,148 3,262 SH   SOLE 0 3,262 0 0
CONSUMER STAPLES SECTOR SPDR ETF/EQUITY 81369Y308   20,124 270 SH   DFND 0 270 0 0
CONSUMER DISCRET SEL SECT SPDR ETF ETF/EQUITY 81369Y407   204,975 1,587 SH   SOLE 0 1,587 0 0
CONSUMER DISCRET SEL SECT SPDR ETF ETF/EQUITY 81369Y407   18,986 147 SH   DFND 0 147 0 0
ENERGY SELECT SECTOR SPDR ETF/EQUITY 81369Y506   2,599,399 29,718 SH   SOLE 0 29,718 0 0
ENERGY SELECT SECTOR SPDR ETF/EQUITY 81369Y506   243,601 2,785 SH   DFND 0 2,785 0 0
SPDR FINANCIAL SELECT SECTOR ETF/EQUITY 81369Y605   105,199 3,076 SH   SOLE 0 3,076 0 0
SPDR INDUSTRIALS (XLI) ETF/EQUITY 81369Y704   102,138 1,040 SH   SOLE 0 1,040 0 0
TECHNOLOGY SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y803   493,523 3,966 SH   SOLE 0 3,966 0 0
TECHNOLOGY SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y803   32,976 265 SH   DFND 0 265 0 0
SELECT SECTOR SPDR TR COMMUNICATION ETF/EQUITY 81369Y852   112,534 2,345 SH   SOLE 0 2,345 0 0
UTILITIES SELECT SECTOR SPDR ETF/EQUITY 81369Y886   248,158 3,520 SH   SOLE 0 3,520 0 0
UTILITIES SELECT SECTOR SPDR ETF/EQUITY 81369Y886   7,050 100 SH   DFND 0 100 0 0
SEMPRA ENERGY COMMON STOCK 816851109   1,824,326 11,805 SH   SOLE 0 11,805 0 0
SEMPRA ENERGY COMMON STOCK 816851109   124,404 805 SH   DFND 0 805 0 0
SERVICENOW INC COMMON STOCK 81762P102   3,494 9 SH   SOLE 0 9 0 0
SHERWIN WILLIAMS CO COMMON STOCK 824348106   4,271 18 SH   SOLE 0 18 0 0
SIERRA WIRELESS INC FOREIGN EQUITIES 826516106   9,650 333 SH   DFND 8 333 0 0
JM SMUCKER COMPANY COMMON STOCK 832696405   6,021 38 SH   DFND 0 38 0 0
SNAP ON INC COMMON STOCK 833034101   68,547 300 SH   DFND 0 300 0 0
SNAP INC COMMON STOCK 83304A106   2,685 300 SH   DFND 0 300 0 0
SOUTHERN COMPANY COMMON STOCK 842587107   104,026 1,457 SH   SOLE 0 1,457 0 0
SOUTHERN COMPANY COMMON STOCK 842587107   107,100 1,500 SH   DFND 0 1,500 0 0
SPROTT PHYSICAL GOLD TRUST ETF/OTHER 85207H104   378,387 26,836 SH   SOLE 0 26,836 0 0
STAG INDL INC COMMON STOCK 85254J102   6,460 200 SH   SOLE 0 200 0 0
STARBUCKS CORP COMMON STOCK 855244109   843,990 8,508 SH   SOLE 0 8,508 0 0
STARBUCKS CORP COMMON STOCK 855244109   24,304 245 SH   DFND 0 245 0 0
STATE STREET CORP COMMON STOCK 857477103   63,210 815 SH   SOLE 0 815 0 0
STATE STREET CORP COMMON STOCK 857477103   62,048 800 SH   DFND 0 800 0 0
STERICYCLE INC COMMON STOCK 858912108   49,880 1,000 SH   SOLE 0 1,000 0 0
STRYKER CORP COMMON STOCK 863667101   1,572,299 6,431 SH   SOLE 0 6,431 0 0
STRYKER CORP COMMON STOCK 863667101   31,538 129 SH   DFND 0 129 0 0
SUBURBAN PROPANE PARTNERS LP COMMON STOCK 864482104   10,018 660 SH   SOLE 0 660 0 0
SUN COMMUNITIES INC COMMON STOCK 866674104   31,603 221 SH   SOLE 0 221 0 0
SUNCOKE ENERGY INC COMMON STOCK 86722A103   1,881 218 SH   DFND 0 218 0 0
SYSCO CORP COMMON STOCK 871829107   654,794 8,565 SH   SOLE 0 8,565 0 0
SYSCO CORP COMMON STOCK 871829107   118,497 1,550 SH   DFND 0 1,550 0 0
TJX COMPANIES COMMON STOCK 872540109   306,858 3,855 SH   SOLE 0 3,855 0 0
TJX COMPANIES COMMON STOCK 872540109   8,198 103 SH   DFND 0 103 0 0
T MOBILE US INC COMMON STOCK 872590104   88,480 632 SH   DFND 0 632 0 0
TAKEDA PHARMACEUTICAL CO LTDSPONSORED ADS FOREIGN EQUITIES 874060205   9,266 594 SH   DFND 0 594 0 0
TARGET CORP COMMON STOCK 87612E106   2,168,959 14,553 SH   SOLE 0 14,553 0 0
TARGET CORP COMMON STOCK 87612E106   97,171 652 SH   DFND 0 652 0 0
TELEDYNE TECHNOLOGIES INC COMMON STOCK 879360105   74,781 187 SH   DFND 0 187 0 0
TENARIS SA ADR FOREIGN EQUITIES 88031M109   35,150 1,000 SH   SOLE 0 1,000 0 0
TERADATA CORP COMMON STOCK 88076W103   3,634 108 SH   DFND 0 108 0 0
TESLA MOTORS INC COMMON STOCK 88160R101   57,648 468 SH   SOLE 0 468 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104   5,030,088 30,445 SH   SOLE 0 30,445 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104   162,739 985 SH   DFND 0 985 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102   1,331,551 2,418 SH   SOLE 0 2,418 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102   410,263 745 SH   DFND 0 745 0 0
3M COMPANY COMMON STOCK 88579Y101   1,951,093 16,270 SH   SOLE 0 16,270 0 0
3M COMPANY COMMON STOCK 88579Y101   248,234 2,070 SH   DFND 0 2,070 0 0
TOMPKINS FINANCIAL CORP COMMON STOCK 890110109   155,160 2,000 SH   SOLE 0 2,000 0 0
TOMPKINS FINANCIAL CORP COMMON STOCK 890110109   333,594 4,300 SH   DFND 0 4,300 0 0
TORONTO DOMINION BANK FOREIGN EQUITIES 891160509   670,394 10,352 SH   SOLE 0 10,352 0 0
TORONTO DOMINION BANK FOREIGN EQUITIES 891160509   40,475 625 SH   DFND 0 625 0 0
TOTAL SA ADR FOREIGN EQUITIES 89151E109   11,174 180 SH   SOLE 0 180 0 0
TOYOTA MOTOR CORP FOREIGN EQUITIES 892331307   27,316 200 SH   SOLE 0 200 0 0
TOYOTA MOTOR CORP FOREIGN EQUITIES 892331307   81,948 600 SH   DFND 0 600 0 0
TRACTOR SUPPLY CO COMMON STOCK 892356106   5,399 24 SH   SOLE 0 24 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109   1,542,644 8,228 SH   SOLE 0 8,228 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109   83,431 445 SH   DFND 0 445 0 0
TRUIST FINANCIAL CORP COMMON STOCK 89832Q109   2,505,814 58,248 SH   SOLE 0 58,248 0 0
TRUIST FINANCIAL CORP COMMON STOCK 89832Q109   148,416 3,450 SH   DFND 0 3,450 0 0
US BANCORP COMMON STOCK 902973304   2,410,680 55,279 SH   SOLE 0 55,279 0 0
US BANCORP COMMON STOCK 902973304   311,591 7,145 SH   DFND 0 7,145 0 0
UNION PACIFIC CORP COMMON STOCK 907818108   1,167,029 5,636 SH   SOLE 0 5,636 0 0
UNION PACIFIC CORP COMMON STOCK 907818108   649,162 3,135 SH   DFND 0 3,135 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106   4,651,066 26,755 SH   SOLE 0 26,755 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106   283,879 1,633 SH   DFND 0 1,633 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102   3,777,416 7,125 SH   SOLE 0 7,125 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102   726,331 1,370 SH   DFND 0 1,370 0 0
VBI VACCINES INC COMMON STOCK 91822J103   3,315 8,500 SH   SOLE 0 8,500 0 0
VANECK VECTORS GOLD MINERS ETF ETF/INTERNATIONAL EQUITY 92189F106   573,000 20,000 SH   DFND 0 20,000 0 0
VANECK VECTORS ETF TR GREEN BD ETF ETF/FIXED INCOME 92189F171   2,299 100 SH   SOLE 0 100 0 0
VANGUARD DIVIDEND APPRECIATION ETF ETF/EQUITY 921908844   1,149,500 7,570 SH   SOLE 0 7,570 0 0
VANGUARD TOTAL INTL STOCK ETF ETF/INTERNATIONAL EQUITY 921909768   195,087 3,772 SH   SOLE 0 3,772 0 0
VANGUARD MEGA CAP GROWTH ETF/EQUITY 921910816   14,625 85 SH   SOLE 0 85 0 0
VANGUARD SHORT TERM BOND ETF ETF/FIXED INCOME 921937827   497,223 6,605 SH   SOLE 0 6,605 0 0
VANGUARD SHORT TERM BOND ETF ETF/FIXED INCOME 921937827   105,392 1,400 SH   DFND 0 1,400 0 0
VANGUARD TOTAL BOND MRKT ETF ETF/FIXED INCOME 921937835   331,179 4,610 SH   SOLE 0 4,485 125 0
VANGUARD TOTAL BOND MRKT ETF ETF/FIXED INCOME 921937835   30,459 424 SH   DFND 0 424 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF/INTERNATIONAL EQUITY 921943858   146,474 3,490 SH   SOLE 0 3,490 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF/INTERNATIONAL EQUITY 921943858   25,182 600 SH   DFND 0 600 0 0
VANGUARD HIGH DIVIDEND YIELD ETF/EQUITY 921946406   29,757 275 SH   SOLE 0 275 0 0
VANGUARD ULTRA SHORT TERM ETF/FIXED INCOME 92203C303   98,000 2,000 SH   SOLE 0 2,000 0 0
VANGUARD FINANCIALS ETF ETF/EQUITY 92204A405   553,396 6,690 SH   SOLE 0 6,690 0 0
VANGUARD FINANCIALS ETF ETF/EQUITY 92204A405   219,208 2,650 SH   DFND 0 2,650 0 0
VANGUARD INDUSTRIALS ETF ETF/EQUITY 92204A603   9,132 50 SH   SOLE 0 50 0 0
VANGUARD INDUSTRIALS ETF ETF/EQUITY 92204A603   803,616 4,400 SH   DFND 0 4,400 0 0
VANGUARD INFO TECH ETF ETF/EQUITY 92204A702   1,033,256 3,235 SH   SOLE 0 3,235 0 0
VANGUARD INFO TECH ETF ETF/EQUITY 92204A702   116,900 366 SH   DFND 0 366 0 0
VANGUARD UTILITIES ETF ETF/EQUITY 92204A876   91,248 595 SH   SOLE 0 595 0 0
VANGUARD TOTAL WORLD STOCK ETF ETF/EQUITY 922042742   4,223 49 SH   SOLE 0 49 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 922042858   1,482,211 38,035 SH   SOLE 0 38,035 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 922042858   182,845 4,692 SH   DFND 0 4,692 0 0
VANGUARD SHORT TERM CORP BOND ETF ETF/FIXED INCOME 92206C409   1,100,096 14,631 SH   SOLE 0 14,566 65 0
VANGUARD SHORT TERM CORP BOND ETF ETF/FIXED INCOME 92206C409   478,655 6,366 SH   DFND 0 6,366 0 0
VANGUARD INTERM-TERM GOVT BDETF ETF/FIXED INCOME 92206C706   26,602 455 SH   SOLE 0 135 0 320
VANGUARD LONG TERM TREASURY ETF/FIXED INCOME 92206C847   6,468 105 SH   SOLE 0 105 0 0
VANGUARD S&P 500 ETF ETF/EQUITY 922908363   1,043,095 2,969 SH   SOLE 0 2,969 0 0
VANGUARD MIDCAP VALUE ETF ETF/EQUITY 922908512   30,429 225 SH   SOLE 0 225 0 0
VANGUARD MIDCAP VALUE ETF ETF/EQUITY 922908512   47,874 354 SH   DFND 0 354 0 0
VANGUARD MIDCAP GROWTH ETF ETF/EQUITY 922908538   55,545 309 SH   DFND 0 309 0 0
VANGUARD REIT ETF ETF/EQUITY 922908553   1,065,643 12,922 SH   SOLE 0 12,922 0 0
VANGUARD REIT ETF ETF/EQUITY 922908553   57,972 703 SH   DFND 0 703 0 0
VANGUARD SMALLCAP VALUE ETF ETF/EQUITY 922908611   222,320 1,400 SH   SOLE 0 1,400 0 0
VANGUARD MIDCAP ETF ETF/EQUITY 922908629   166,308 816 SH   SOLE 0 816 0 0
VANGUARD EXTENDED MKT IDX ETF/EQUITY 922908652   13,816 104 SH   SOLE 0 104 0 0
VANGUARD GROWTH ETF ETF/EQUITY 922908736   154,499 725 SH   SOLE 0 725 0 0
VANGUARD GROWTH ETF ETF/EQUITY 922908736   44,964 211 SH   DFND 0 211 0 0
VANGUARD SMALLCAP ETF ETF/EQUITY 922908751   243,189 1,325 SH   SOLE 0 1,325 0 0
VANGUARD TOTAL STOCK MARKET ETF ETF/EQUITY 922908769   28,677 150 SH   SOLE 0 150 0 0
VANGUARD TOTAL STOCK MARKET ETF ETF/EQUITY 922908769   12,228,703 63,961 SH   DFND 0 63,961 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104   7,162,188 181,830 SH   SOLE 0 181,830 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104   1,364,140 34,632 SH   DFND 0 34,632 0 0
VERTEX PHARMACEUTICALS INC COMMON STOCK 92532F100   5,197 18 SH   SOLE 0 18 0 0
VIATRIS INC COMMON STOCK 92556V106   812 73 SH   SOLE 0 73 0 0
VIATRIS INC COMMON STOCK 92556V106   5,698 512 SH   DFND 0 512 0 0
VISA INC CLASS A COMMON STOCK 92826C839   1,928,212 9,281 SH   SOLE 0 9,281 0 0
VISA INC CLASS A COMMON STOCK 92826C839   72,506 349 SH   DFND 0 349 0 0
VM WARE INC COMMON STOCK 928563402   1,473 12 SH   DFND 0 12 0 0
WABTEC CORP COMMON STOCK 929740108   598 6 SH   SOLE 0 6 0 0
WABTEC CORP COMMON STOCK 929740108   4,291 43 SH   DFND 0 43 0 0
WAL MART STORES INC COMMON STOCK 931142103   5,652,244 39,864 SH   SOLE 0 39,864 0 0
WAL MART STORES INC COMMON STOCK 931142103   970,122 6,842 SH   DFND 0 6,842 0 0
WALGREENS BOOTS ALLIANCE INC COMMON STOCK 931427108   18,680 500 SH   DFND 0 500 0 0
WARNER BROS DISCOVERY INC COMMON STOCK 934423104   2,510 265 SH   SOLE 0 265 0 0
WARNER BROS DISCOVERY INC COMMON STOCK 934423104   17,583 1,855 SH   DFND 0 1,855 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109   521,145 3,322 SH   SOLE 0 3,322 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109   134,915 860 SH   DFND 0 860 0 0
WEBSTER FINANCIAL CORP COMMON STOCK 947890109   21,918 463 SH   DFND 0 463 0 0
WELLS FARGO & CO COMMON STOCK 949746101   20,645 500 SH   SOLE 0 500 0 0
WELLS FARGO & CO COMMON STOCK 949746101   149,676 3,625 SH   DFND 0 3,625 0 0
WELLTOWER INC COMMON STOCK 95040Q104   13,108 200 SH   DFND 0 200 0 0
WEYERHAEUSER CO COMMON STOCK 962166104   49,600 1,600 SH   SOLE 0 1,600 0 0
WILLIAMS COMPANIES INC COMMON STOCK 969457100   328,900 10,000 SH   DFND 0 10,000 0 0
WISDOMTREE US HIGH DIVIDEND ETF ETF/EQUITY 97717W208   1,590,034 18,476 SH   SOLE 0 18,476 0 0
WISDOMTREE US HIGH DIVIDEND ETF ETF/EQUITY 97717W208   7,745 90 SH   DFND 0 90 0 0
WISDOMTREE TRUST MIDCAP DIVI FD ETF/EQUITY 97717W505   39,608 963 SH   SOLE 0 963 0 0
WOODSIDE ENERGY GROUP LTD FOREIGN EQUITIES 980228308   1,306 54 SH   DFND 0 54 0 0
SPDR GOLD MINISHARES ETF/OTHER 98149E303   68,703 1,899 SH   SOLE 0 1,899 0 0
SPDR GOLD MINISHARES ETF/OTHER 98149E303   9,949 275 SH   DFND 0 275 0 0
ZIMVIE INC COMMON STOCK 98888T107   2,577 276 SH   DFND 0 276 0 0
ZEBRA TECHNOLOGIES CORP CL A COMMON STOCK 989207105   17,178 67 SH   DFND 0 67 0 0
ZIMMER HOLDINGS INC COMMON STOCK 98956P102   111,435 874 SH   SOLE 0 874 0 0
ZIMMER HOLDINGS INC COMMON STOCK 98956P102   351,900 2,760 SH   DFND 0 2,760 0 0