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   290,054 940 SH   SOLE   940 0 0
ACCENTURE LTD BERMUDA CL A FOREIGN EQUITIES G1151C101   61,714 200 SH   DFND   200 0 0
EATON CORP PLC FOREIGN EQUITIES G29183103   54,095 269 SH   SOLE   269 0 0
LINDE PLC SHS FOREIGN EQUITIES G54950103   38,107 100 SH   SOLE   100 0 0
MEDTRONIC PLC ORDINARY COMMON STOCK G5960L103   322,885 3,665 SH   SOLE   3,365 0 300
MEDTRONIC PLC ORDINARY COMMON STOCK G5960L103   44,050 500 SH   DFND   100 400 0
ALCON INC ORD SHS COMMON STOCK H01301128   13,794 168 SH   SOLE   110 0 58
ALCON INC ORD SHS COMMON STOCK H01301128   11,330 138 SH   DFND   80 58 0
SPOTIFY TECHNOLOGY S A SHS COMMON STOCK L8681T102   4,013 25 SH   SOLE   25 0 0
LYONDELLBASELL INDUSTRIES N.V. CL A FOREIGN EQUITIES N53745100   14,507 158 SH   SOLE   158 0 0
MAXEON SOLAR TECHNOLOGIES LTSHS COMMON STOCK Y58473102   84 3 SH   DFND   3 0 0
AT&T INC COM COMMON STOCK 00206R102   279,343 17,514 SH   SOLE   17,014 0 500
AT&T INC COM COMMON STOCK 00206R102   62,682 3,930 SH   DFND   2,330 1,600 0
ABBOTT LABS COM COMMON STOCK 002824100   1,245,435 11,424 SH   SOLE   9,804 1,320 300
ABBOTT LABS COM COMMON STOCK 002824100   804,240 7,377 SH   DFND   7,327 50 0
ABBVIE INC COMMON STOCK 00287Y109   2,297,932 17,056 SH   SOLE   15,768 988 300
ABBVIE INC COMMON STOCK 00287Y109   1,270,635 9,431 SH   DFND   9,121 310 0
ADOBE INC COM COMMON STOCK 00724F101   1,664,963 3,405 SH   SOLE   3,366 39 0
ADOBE INC COM COMMON STOCK 00724F101   30,805 63 SH   DFND   63 0 0
AGILENT TECHNOLOGIES INC COM COMMON STOCK 00846U101   12,025 100 SH   SOLE   100 0 0
AGILENT TECHNOLOGIES INC COM COMMON STOCK 00846U101   24,050 200 SH   DFND   0 200 0
AIR PRODUCT AND CHEMICALS INC COMMON STOCK 009158106   1,835,451 6,128 SH   SOLE   5,628 500 0
AIR PRODUCT AND CHEMICALS INC COMMON STOCK 009158106   838,656 2,800 SH   DFND   2,600 200 0
AIR TRANSPORT SERVICES GRP ICOM COMMON STOCK 00922R105   42,246 2,240 SH   SOLE   2,240 0 0
ALLSTATE CORP COM COMMON STOCK 020002101   10,904 100 SH   SOLE   100 0 0
ALNYLAM PHARMACEUTICALS INC COM COMMON STOCK 02043Q107   9,497 50 SH   SOLE   50 0 0
ALPHABET INC CAP STK CL C COMMON STOCK 02079K107   1,528,210 12,633 SH   SOLE   11,033 1,600 0
ALPHABET INC CAP STK CL C COMMON STOCK 02079K107   1,605,392 13,271 SH   DFND   12,800 471 0
ALPHABET INC CAP STK CL A COMMON STOCK 02079K305   1,831,044 15,297 SH   SOLE   14,987 110 200
ALPHABET INC CAP STK CL A COMMON STOCK 02079K305   186,732 1,560 SH   DFND   1,560 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103   142,527 3,147 SH   SOLE   3,147 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103   151,721 3,350 SH   DFND   1,500 1,850 0
AMAZON COM INC COM COMMON STOCK 023135106   3,015,863 23,135 SH   SOLE   21,944 1,099 92
AMAZON COM INC COM COMMON STOCK 023135106   2,032,963 15,595 SH   DFND   15,313 282 0
AMERICAN ELEC PWR INC COM COMMON STOCK 025537101   234,497 2,785 SH   DFND   2,785 0 0
AMERICAN EXPRESS CO COM COMMON STOCK 025816109   2,151,708 12,352 SH   SOLE   11,078 1,274 0
AMERICAN EXPRESS CO COM COMMON STOCK 025816109   407,802 2,341 SH   DFND   1,585 756 0
AMERICAN INTL GROUP INC COM COMMON STOCK 026874784   460 8 SH   SOLE   8 0 0
AMERICAN WATER WORKS COMMON STOCK 030420103   710,179 4,975 SH   SOLE   4,775 200 0
AMERICAN WATER WORKS COMMON STOCK 030420103   92,787 650 SH   DFND   450 200 0
AMERIPRISE FINL INC COM COMMON STOCK 03076C106   283,987 855 SH   SOLE   855 0 0
AMGEN INC COM COMMON STOCK 031162100   464,017 2,090 SH   SOLE   1,790 300 0
AMGEN INC COM COMMON STOCK 031162100   399,636 1,800 SH   DFND   1,800 0 0
ANALOG DEVICES INC COMMON STOCK 032654105   1,851,846 9,506 SH   SOLE   8,322 1,116 68
ANALOG DEVICES INC COMMON STOCK 032654105   157,987 811 SH   DFND   504 307 0
APPLE COMPUTER INC COM COMMON STOCK 037833100   10,053,631 51,831 SH   SOLE   49,183 2,380 268
APPLE COMPUTER INC COM COMMON STOCK 037833100   2,197,097 11,327 SH   DFND   9,718 1,609 0
APPLIED MATLS INC COM COMMON STOCK 038222105   896,284 6,201 SH   SOLE   6,201 0 0
APPLIED MATLS INC COM COMMON STOCK 038222105   21,681 150 SH   DFND   150 0 0
ASTRAZENECA PLC SPONSORED ADR FOREIGN EQUITIES 046353108   7,156 100 SH   SOLE   100 0 0
AUTOMATIC DATA PROCESSING INCOM COMMON STOCK 053015103   642,222 2,922 SH   SOLE   2,830 92 0
AUTOMATIC DATA PROCESSING INCOM COMMON STOCK 053015103   87,916 400 SH   DFND   200 200 0
AUTOZONE INC COM COMMON STOCK 053332102   780,421 313 SH   SOLE   313 0 0
AUTOZONE INC COM COMMON STOCK 053332102   124,668 50 SH   DFND   50 0 0
BP PLC SPONSORED ADR COMMON STOCK 055622104   144,899 4,106 SH   SOLE   4,106 0 0
BP PLC SPONSORED ADR COMMON STOCK 055622104   77,638 2,200 SH   DFND   2,000 200 0
BANKAMERICA CORP NEW COMMON STOCK 060505104   721,123 25,144 SH   SOLE   24,817 327 0
BANKAMERICA CORP NEW COMMON STOCK 060505104   5,736 200 SH   DFND   200 0 0
BANK NEW YORK MELLON CORP COM COMMON STOCK 064058100   77,908 1,750 SH   SOLE   1,750 0 0
BANK NEW YORK MELLON CORP COM COMMON STOCK 064058100   17,808 400 SH   DFND   400 0 0
BAXTER INTL INC COM COMMON STOCK 071813109   43,282 950 SH   SOLE   950 0 0
BAXTER INTL INC COM COMMON STOCK 071813109   91,120 2,000 SH   DFND   2,000 0 0
BERKSHIRE HATHAWAY B NEW COMMON STOCK 084670702   2,131,932 6,252 SH   SOLE   5,714 538 0
BERKSHIRE HATHAWAY B NEW COMMON STOCK 084670702   588,907 1,727 SH   DFND   1,661 66 0
BLACKROCK INC COM COMMON STOCK 09247X101   430,578 623 SH   SOLE   609 14 0
BLACKROCK INC COM COMMON STOCK 09247X101   483,798 700 SH   DFND   700 0 0
BOEING CO COM COMMON STOCK 097023105   1,578,411 7,475 SH   SOLE   7,450 25 0
BOEING CO COM COMMON STOCK 097023105   163,649 775 SH   DFND   775 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108   1,454,022 22,737 SH   SOLE   21,468 938 331
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108   643,080 10,056 SH   DFND   9,185 871 0
BROADCOM INC NPV COMMON STOCK 11135F101   3,642,280 4,199 SH   SOLE   3,757 442 0
BROADCOM INC NPV COMMON STOCK 11135F101   140,521 162 SH   DFND   122 40 0
CSX CORP COM COMMON STOCK 126408103   20,454 600 SH   SOLE   600 0 0
CVS/CAREMARK CORP COM COMMON STOCK 126650100   449,958 6,509 SH   SOLE   5,897 612 0
CVS/CAREMARK CORP COM COMMON STOCK 126650100   19,702 285 SH   DFND   0 285 0
CARRIER GLOBAL CORPORATION COM COMMON STOCK 14448C104   4,970 100 SH   SOLE   100 0 0
CARRIER GLOBAL CORPORATION COM COMMON STOCK 14448C104   372,750 7,500 SH   DFND   7,500 0 0
CATERPILLAR INC DEL COM COMMON STOCK 149123101   731,252 2,972 SH   SOLE   2,861 111 0
CATERPILLAR INC DEL COM COMMON STOCK 149123101   55,852 227 SH   DFND   152 75 0
CHEMOURS CO COM COMMON STOCK 163851108   4,830 131 SH   SOLE   131 0 0
CHEMOURS CO COM COMMON STOCK 163851108   2,212 60 SH   DFND   60 0 0
CHENIERE ENERGY INC COM NEW COMMON STOCK 16411R208   15,236 100 SH   SOLE   100 0 0
CHEVRONTEXACO CORP COM COMMON STOCK 166764100   1,697,007 10,785 SH   SOLE   10,619 166 0
CHEVRONTEXACO CORP COM COMMON STOCK 166764100   1,143,618 7,268 SH   DFND   6,968 300 0
CISCO SYS INC COM COMMON STOCK 17275R102   1,895,950 36,644 SH   SOLE   34,194 2,300 150
CISCO SYS INC COM COMMON STOCK 17275R102   236,451 4,570 SH   DFND   2,900 1,670 0
CITIGROUP INC NEW COMMON STOCK 172967424   63,809 1,386 SH   SOLE   1,386 0 0
CLOROX COMPANY COMMON STOCK 189054109   11,928 75 SH   SOLE   75 0 0
COCA COLA CO COM COMMON STOCK 191216100   1,560,775 25,918 SH   SOLE   24,053 1,310 555
COCA COLA CO COM COMMON STOCK 191216100   215,467 3,578 SH   DFND   2,732 846 0
COINBASE GLOBAL INC COM CL A COMMON STOCK 19260Q107   7,154 100 SH   SOLE   100 0 0
COLGATE PALMOLIVE CO COM COMMON STOCK 194162103   126,345 1,640 SH   SOLE   1,640 0 0
COLGATE PALMOLIVE CO COM COMMON STOCK 194162103   308,160 4,000 SH   DFND   4,000 0 0
COMCAST CORP COMMON STOCK 20030N101   889,403 21,411 SH   SOLE   19,214 2,197 0
COMCAST CORP COMMON STOCK 20030N101   76,641 1,845 SH   DFND   1,845 0 0
COMMUNITY BANK SYSTEM INC COMMON STOCK 203607106   215,648 4,600 SH   SOLE   4,600 0 0
CONOCOPHILLIPS COM COMMON STOCK 20825C104   139,146 1,343 SH   SOLE   1,343 0 0
CONOCOPHILLIPS COM COMMON STOCK 20825C104   310,830 3,000 SH   DFND   3,000 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104   255,831 2,830 SH   SOLE   2,830 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104   63,280 700 SH   DFND   0 0 700
CONSTELLATION ENERGY CORP COM COMMON STOCK 21037T109   18,309 200 SH   SOLE   34 0 166
CONSTELLATION ENERGY CORP COM COMMON STOCK 21037T109   12,084 132 SH   DFND   132 0 0
CORTEVA INC COM COMMON STOCK 22052L104   137,142 2,394 SH   SOLE   2,191 0 203
CORTEVA INC COM COMMON STOCK 22052L104   294,119 5,134 SH   DFND   3,275 1,859 0
COSTCO WHSL CORP NEW COMMON STOCK 22160K105   722,499 1,342 SH   SOLE   1,234 108 0
COSTCO WHSL CORP NEW COMMON STOCK 22160K105   67,297 125 SH   DFND   125 0 0
DANAHER CORP COMMON STOCK 235851102   707,280 2,947 SH   SOLE   2,710 237 0
DANAHER CORP COMMON STOCK 235851102   19,200 80 SH   DFND   80 0 0
DEERE & CO COM COMMON STOCK 244199105   988,246 2,439 SH   SOLE   2,310 0 129
DEERE & CO COM COMMON STOCK 244199105   596,844 1,473 SH   DFND   1,350 123 0
DIGITAL WORLD ACQUISITION COCLASS A COM COMMON STOCK 25400Q105   1,256 100 SH   SOLE   100 0 0
DISNEY WALT CO COM DISNEY COMMON STOCK 254687106   442,913 4,961 SH   SOLE   4,961 0 0
DISNEY WALT CO COM DISNEY COMMON STOCK 254687106   171,864 1,925 SH   DFND   1,500 100 325
DISCOVER FINL SVCS COMMON STOCK 254709108   12,736 109 SH   SOLE   109 0 0
DOMINION RES INC VA NEW COM COMMON STOCK 25746U109   635,817 12,277 SH   SOLE   11,577 100 600
DOMINION RES INC VA NEW COM COMMON STOCK 25746U109   466,110 9,000 SH   DFND   8,100 900 0
DOW INC COM COMMON STOCK 260557103   153,084 2,875 SH   SOLE   2,672 0 203
DOW INC COM COMMON STOCK 260557103   273,378 5,134 SH   DFND   3,275 1,859 0
DUKE ENERGY HLDG CORP COMMON STOCK 26441C204   641,091 7,144 SH   SOLE   7,144 0 0
DUKE ENERGY HLDG CORP COMMON STOCK 26441C204   400,778 4,466 SH   DFND   4,400 66 0
DUPONT DE NEMOURS INC COM COMMON STOCK 26614N102   298,536 4,179 SH   SOLE   3,976 0 203
DUPONT DE NEMOURS INC COM COMMON STOCK 26614N102   352,475 4,934 SH   DFND   3,075 1,859 0
ETF MANAGERS TR ETFMG ALTR HRVST MUTUAL FUNDS-ETF EQUITIES 26924G508   299 100 SH   SOLE   100 0 0
EATON VANCE INSURED MUNI BD FD MUTUAL FUNDS-ETF FIXED INCOME 27827X101   16,575 1,666 SH   SOLE   1,666 0 0
EBAY INC COM COMMON STOCK 278642103   18,229 408 SH   SOLE   408 0 0
ECOLAB INC COMMON STOCK 278865100   677,117 3,627 SH   SOLE   3,502 125 0
ECOLAB INC COMMON STOCK 278865100   42,937 230 SH   DFND   230 0 0
EMERSON ELEC CO COM COMMON STOCK 291011104   1,570,424 17,374 SH   SOLE   15,646 1,328 400
EMERSON ELEC CO COM COMMON STOCK 291011104   460,627 5,096 SH   DFND   3,596 1,500 0
ENBRIDGE INC COMMON STOCK 29250N105   1,012,492 27,262 SH   SOLE   26,574 688 0
ENBRIDGE INC COMMON STOCK 29250N105   405,825 10,927 SH   DFND   9,138 1,789 0
ENERGY TRANSFER EQUITY L P COM UNIT LTD PRTNERS PARTNERSHIPS 29273V100   22,758 1,792 SH   SOLE   1,792 0 0
ENTEGRIS INC COMMON STOCK 29362U104   22,164 200 SH   SOLE   200 0 0
EQIUTRANS MIDSTREAM CO COMMON STOCK 294600101   956 100 SH   SOLE   100 0 0
ESSA BANCORP INC COM COMMON STOCK 29667D104   21,856 1,462 SH   SOLE   1,462 0 0
ESSENTIAL UTILS INC COM COMMON STOCK 29670G102   39,900 1,000 SH   SOLE   0 0 1,000
ESSENTIAL UTILS INC COM COMMON STOCK 29670G102   9,975 250 SH   DFND   250 0 0
EXELON CORP COM COMMON STOCK 30161N101   157,786 3,874 SH   SOLE   3,374 0 500
EXELON CORP COM COMMON STOCK 30161N101   32,584 800 SH   DFND   800 0 0
EXPEDITORS INTL WASH INC COMMON STOCK 302130109   441,033 3,641 SH   SOLE   2,400 1,000 241
EXPEDITORS INTL WASH INC COMMON STOCK 302130109   164,857 1,361 SH   DFND   350 1,011 0
EXXON MOBIL CORP COM COMMON STOCK 30231G102   2,656,349 24,768 SH   SOLE   24,468 200 100
EXXON MOBIL CORP COM COMMON STOCK 30231G102   2,146,393 20,013 SH   DFND   14,626 4,787 600
F M C CORP COM NEW COMMON STOCK 302491303   605,172 5,800 SH   SOLE   5,800 0 0
F N B CORP PA COMMON STOCK 302520101   662,799 57,937 SH   SOLE   57,937 0 0
FNCB BANCORP INC COM COMMON STOCK 302578109   11,940 2,000 SH   SOLE   2,000 0 0
FACEBOOK INC COMMON STOCK 30303M102   1,093,917 3,812 SH   SOLE   3,812 0 0
FACEBOOK INC COMMON STOCK 30303M102   94,986 331 SH   DFND   331 0 0
FASTENAL CO COM COMMON STOCK 311900104   2,083,278 35,316 SH   SOLE   30,724 3,685 907
FASTENAL CO COM COMMON STOCK 311900104   653,784 11,083 SH   DFND   8,295 2,788 0
FIDELITY D & D BANCORP INC COM COMMON STOCK 31609R100   7,094 146 SH   SOLE   146 0 0
FIFTH THIRD BANCORP COMMON STOCK 316773100   5,240 200 SH   SOLE   200 0 0
FIRST SOLAR INC COMMON STOCK 336433107   38,018 200 SH   DFND   200 0 0
FIRST TR EXCHANGE-TRADED FD NAS CLNEDG GREEN COMMON STOCK 33733E500   10,230 200 SH   SOLE   200 0 0
FORD MTR CO DEL COM PAR $0.01 COMMON STOCK 345370860   15,130 1,000 SH   SOLE   1,000 0 0
FREEPORTMCMORAN COPP CL B COMMON STOCK 35671D857   8,560 214 SH   SOLE   214 0 0
FREEPORTMCMORAN COPP CL B COMMON STOCK 35671D857   2,160 54 SH   DFND   54 0 0
GE HEALTHCARE TECHNOLOGIES ICOMMON STOCK COMMON STOCK 36266G107   25,909 319 SH   SOLE   319 0 0
GE HEALTHCARE TECHNOLOGIES ICOMMON STOCK COMMON STOCK 36266G107   38,097 469 SH   DFND   282 187 0
GARRETT MOTION INC COM COMMON STOCK 366505105   75 10 SH   DFND   0 10 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108   103,486 481 SH   SOLE   481 0 0
GENERAL ELEC CO COM COMMON STOCK 369604301   157,191 1,431 SH   SOLE   1,431 0 0
GENERAL ELEC CO COM COMMON STOCK 369604301   166,969 1,520 SH   DFND   850 670 0
GENERAL MLS INC COM COMMON STOCK 370334104   908,737 11,848 SH   SOLE   10,719 1,129 0
GENERAL MLS INC COM COMMON STOCK 370334104   366,164 4,774 SH   DFND   4,074 700 0
GENERAL MOTORS CO COM COMMON STOCK 37045V100   7,712 200 SH   SOLE   200 0 0
GLAXOSMITHKLINE PLC SPONSORED ADR COMMON STOCK 37733W204   110,161 3,092 SH   SOLE   3,092 0 0
GLAXOSMITHKLINE PLC SPONSORED ADR COMMON STOCK 37733W204   2,850 80 SH   DFND   80 0 0
GLOBAL PAMENTS INC COMMON STOCK 37940X102   9,852 100 SH   SOLE   100 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104   1,492,328 4,627 SH   SOLE   4,555 72 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104   88,694 275 SH   DFND   220 55 0
HALEON PLC SPON ADS FOREIGN EQUITIES 405552100   1,592 190 SH   SOLE   190 0 0
HALEON PLC SPON ADS FOREIGN EQUITIES 405552100   838 100 SH   DFND   100 0 0
HASBRO INC COM COMMON STOCK 418056107   14,119 218 SH   SOLE   218 0 0
HEALTHPEAK PROPERTIES INC COM COMMON STOCK 42250P103   62,279 3,100 SH   SOLE   3,100 0 0
HEALTHPEAK PROPERTIES INC COM COMMON STOCK 42250P103   60,270 3,000 SH   DFND   3,000 0 0
HERSHEY FOODS CORP COM COMMON STOCK 427866108   132,090 529 SH   SOLE   529 0 0
HOME DEPOT INC COM COMMON STOCK 437076102   1,928,996 6,210 SH   SOLE   5,817 356 37
HOME DEPOT INC COM COMMON STOCK 437076102   74,550 240 SH   DFND   240 0 0
HONEYWELL INTL INC COM COMMON STOCK 438516106   587,431 2,831 SH   SOLE   2,831 0 0
HONEYWELL INTL INC COM COMMON STOCK 438516106   20,750 100 SH   DFND   0 100 0
ITT INC COM COMMON STOCK 45073V108   9,321 100 SH   DFND   100 0 0
INTEL CORP COM COMMON STOCK 458140100   273,285 8,175 SH   SOLE   7,775 0 400
INTEL CORP COM COMMON STOCK 458140100   163,740 4,898 SH   DFND   4,498 400 0
INTERNATIONAL BUSINESS MACHSCOM COMMON STOCK 459200101   712,131 5,322 SH   SOLE   5,322 0 0
INTERNATIONAL BUSINESS MACHSCOM COMMON STOCK 459200101   135,147 1,010 SH   DFND   0 1,010 0
INVESCO EX PFD ETF MUTUAL FUNDS-ETF EQUITIES 46138E511   45,479 4,000 SH   SOLE   4,000 0 0
IQIYI INC SPONSORED ADS FOREIGN EQUITIES 46267X108   267 50 SH   SOLE   50 0 0
ISHARES MSCI PAC JP ETF MUTUAL FUNDS-EQUITIES 464286665   2,111 50 SH   SOLE   50 0 0
ISHARES S&P 100 MUTUAL FUNDS-EQUITIES 464287101   10,353 50 SH   SOLE   50 0 0
I SHARES TR DJ SLECT DIV INDEX MUTUAL FUNDS-EQUITIES 464287168   5,665 50 SH   SOLE   50 0 0
ISHARES S&P 500 INDEX MUTUAL FUNDS-ETF EQUITIES 464287200   2,790,969 6,262 SH   SOLE   6,262 0 0
ISHARES TR S&P NA NATURAL RESOURCES MUTUAL FUNDS-EQUITIES 464287374   19,405 500 SH   DFND   500 0 0
ISHARES TR MSCI EAFE INDEX MUTUAL FUNDS-ETF EQUITIES 464287465   275,498 3,800 SH   SOLE   3,800 0 0
ISHARES TR MSCI EAFE INDEX MUTUAL FUNDS-ETF EQUITIES 464287465   94,250 1,300 SH   DFND   1,300 0 0
ISHARES RUSSELL MID-CAP ETF MUTUAL FUNDS-EQUITIES 464287499   21,909 300 SH   SOLE   300 0 0
ISHARES S&P 600 INDEX MUTUAL FUNDS-ETF EQUITIES 464287804   24,912 250 SH   SOLE   250 0 0
ISHARES TR GL CLEAN ENE ETF COMMON STOCK 464288224   3,678 200 SH   SOLE   200 0 0
ISHARES TR US TREAS BD ETF MUTUAL FUNDS-ETF FIXED INCOME 46429B267   14,168 619 SH   SOLE   619 0 0
J P MORGAN CHASE & CO COM COMMON STOCK 46625H100   2,600,745 17,882 SH   SOLE   16,882 1,000 0
J P MORGAN CHASE & CO COM COMMON STOCK 46625H100   250,010 1,719 SH   DFND   1,400 319 0
JOHNSON & JOHNSON COM COMMON STOCK 478160104   2,936,479 17,741 SH   SOLE   16,932 809 0
JOHNSON & JOHNSON COM COMMON STOCK 478160104   1,221,868 7,382 SH   DFND   6,450 932 0
KELLOGG CO COM COMMON STOCK 487836108   33,700 500 SH   SOLE   0 0 500
KELLOGG CO COM COMMON STOCK 487836108   101,100 1,500 SH   DFND   1,500 0 0
KIMBERLY CLARK CORP COM COMMON STOCK 494368103   247,125 1,790 SH   SOLE   1,790 0 0
KIMBERLY CLARK CORP COM COMMON STOCK 494368103   465,538 3,372 SH   DFND   3,372 0 0
KINDER MORGAN INC (DE) CLASS P COMMON STOCK 49456B101   17 1 SH   SOLE   1 0 0
KRAFT HEINZ CO COM COMMON STOCK 500754106   168,021 4,733 SH   SOLE   4,733 0 0
KRAFT HEINZ CO COM COMMON STOCK 500754106   41,854 1,179 SH   DFND   646 533 0
KYNDRYL HLDGS INC COMMON STOCK COMMON STOCK 50155Q100   9,587 722 SH   SOLE   722 0 0
KYNDRYL HLDGS INC COMMON STOCK COMMON STOCK 50155Q100   2,121 160 SH   DFND   0 160 0
L3HARRIS TECHNOLOGIES INC COM COMMON STOCK 502431109   3,915 20 SH   DFND   20 0 0
LILLY ELI & CO COM COMMON STOCK 532457108   3,687,020 7,862 SH   SOLE   7,196 418 248
LILLY ELI & CO COM COMMON STOCK 532457108   4,279,350 9,125 SH   DFND   7,425 1,700 0
LITTLEFUSE INC COMMON STOCK 537008104   11,069 38 SH   SOLE   38 0 0
LOCKHEED MARTIN CORP COM COMMON STOCK 539830109   1,166,592 2,534 SH   SOLE   2,514 20 0
LOCKHEED MARTIN CORP COM COMMON STOCK 539830109   80,566 175 SH   DFND   175 0 0
LOWES COS INC COM COMMON STOCK 548661107   423,187 1,875 SH   SOLE   1,475 0 400
LOWES COS INC COM COMMON STOCK 548661107   203,130 900 SH   DFND   500 400 0
LUCID GROUP INC COM COMMON STOCK 549498103   2,756 400 SH   SOLE   400 0 0
LULULEMON ATHLETICA COMMON STOCK 550021109   75,700 200 SH   SOLE   200 0 0
MANNKIND CORPORATION COMMON STOCK 56400P706   974 240 SH   DFND   240 0 0
MARATHON OIL CO COMMON STOCK 565849106   71,615 3,111 SH   SOLE   3,111 0 0
MARATHON PETROLEUM CORP COMMON STOCK 56585A102   233,200 2,000 SH   SOLE   2,000 0 0
MASTERCARD INCORPORATED COMMON STOCK 57636Q104   3,560,831 9,054 SH   SOLE   8,261 793 0
MASTERCARD INCORPORATED COMMON STOCK 57636Q104   1,061,881 2,700 SH   DFND   2,600 100 0
MATTEL INC COM COMMON STOCK 577081102   77,787 3,983 SH   SOLE   3,983 0 0
MCDONALDS CORP COM COMMON STOCK 580135101   5,412,667 18,139 SH   SOLE   17,622 517 0
MCDONALDS CORP COM COMMON STOCK 580135101   919,369 3,081 SH   DFND   3,014 67 0
MCKESSON CORP COMMON STOCK 58155Q103   42,730 100 SH   SOLE   100 0 0
MERCK & CO INC NEW COMMON STOCK 58933Y105   1,782,886 15,451 SH   SOLE   15,044 0 407
MERCK & CO INC NEW COMMON STOCK 58933Y105   743,455 6,443 SH   DFND   5,624 819 0
METLIFE INC COMMON STOCK 59156R108   8,478 150 SH   DFND   0 150 0
MICROSOFT CORP COMMON STOCK 594918104   7,574,042 22,242 SH   SOLE   20,723 1,400 119
MICROSOFT CORP COMMON STOCK 594918104   2,144,315 6,297 SH   DFND   4,050 2,247 0
MICROCHIP TECHNOLOGY INC COM COMMON STOCK 595017104   2,901,355 32,385 SH   SOLE   28,585 3,000 800
MICROCHIP TECHNOLOGY INC COM COMMON STOCK 595017104   775,759 8,659 SH   DFND   6,592 2,067 0
MICROVAST HOLDINGS INC COM COMMON STOCK 59516C106   795 500 SH   SOLE   500 0 0
MONDELEZ INTL INC COMMON STOCK 609207105   674,469 9,247 SH   SOLE   8,823 0 424
MONDELEZ INTL INC COMMON STOCK 609207105   675,348 9,259 SH   DFND   7,892 1,367 0
MORGAN STANLEY DEAN WITTER DISCOVER & CO COMMON STOCK 617446448   641,604 7,513 SH   SOLE   7,397 116 0
MORGAN STANLEY DEAN WITTER DISCOVER & CO COMMON STOCK 617446448   27,241 319 SH   DFND   217 102 0
NBT BANCORP INC COM COMMON STOCK 628778102   668,640 21,000 SH   SOLE   21,000 0 0
NOV INC COM COMMON STOCK 62955J103   6,412 400 SH   DFND   400 0 0
NEW YORK TIMES CO CL A COMMON STOCK 650111107   23,628 600 SH   SOLE   600 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101   818,500 11,031 SH   SOLE   11,031 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101   1,389,914 18,732 SH   DFND   16,532 2,200 0
NIKE INC CL B COMMON STOCK 654106103   1,214,495 11,004 SH   SOLE   10,216 788 0
NIKE INC CL B COMMON STOCK 654106103   140,721 1,275 SH   DFND   1,275 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108   887,306 3,913 SH   SOLE   3,873 40 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108   73,697 325 SH   DFND   225 100 0
NORWOOD FINANCIAL CORPORATION COMMON STOCK 669549107   104,943 3,555 SH   SOLE   3,555 0 0
NOVARTIS AG COMMON STOCK 66987V109   139,961 1,387 SH   SOLE   1,150 0 237
NOVARTIS AG COMMON STOCK 66987V109   135,420 1,342 SH   DFND   1,050 292 0
NOVO-NORDISK A S ADR FOREIGN EQUITIES 670100205   16,183 100 SH   DFND   100 0 0
NOW INC COMMON STOCK 67011P100   1,036 100 SH   DFND   100 0 0
NUCOR CORP COMMON STOCK 670346105   81,990 500 SH   SOLE   500 0 0
NUVEEN REAL ESTATE INCOME FD MUTUAL FUNDS-ETF FIXED INCOME 67071B108   1,485 200 SH   SOLE   200 0 0
OREILLY AUTOMOTIVE INC COM COMMON STOCK 67103H107   95,529 100 SH   DFND   100 0 0
OCCIDENTAL PETE CORP DEL COM COMMON STOCK 674599105   105,762 1,799 SH   SOLE   1,799 0 0
OCCIDENTAL PETE CORP DEL COM COMMON STOCK 674599105   23,516 400 SH   DFND   0 400 0
OPAL FUELS INC CLASS A COM COMMON STOCK 68347P103   3,730 500 SH   SOLE   500 0 0
ORACLE CORP COM COMMON STOCK 68389X105   1,838,744 15,440 SH   SOLE   13,440 2,000 0
ORACLE CORP COM COMMON STOCK 68389X105   66,690 560 SH   DFND   260 300 0
ORGANON & CO COMMON STOCK COMMON STOCK 68622V106   4,222 203 SH   DFND   203 0 0
OTIS WORLDWIDE CORP COM COMMON STOCK 68902V107   4,450 50 SH   SOLE   50 0 0
OTIS WORLDWIDE CORP COM COMMON STOCK 68902V107   244,777 2,750 SH   DFND   2,750 0 0
PNC FINL SVCS GROUP INC COM COMMON STOCK 693475105   630,126 5,003 SH   SOLE   4,703 0 300
PNC FINL SVCS GROUP INC COM COMMON STOCK 693475105   390,444 3,100 SH   DFND   0 3,100 0
PPG INDS INC COM COMMON STOCK 693506107   55,612 375 SH   SOLE   375 0 0
PPG INDS INC COM COMMON STOCK 693506107   59,320 400 SH   DFND   0 400 0
PPL CORP, COM COMMON STOCK 69351T106   647,835 24,493 SH   SOLE   23,793 0 700
PPL CORP, COM COMMON STOCK 69351T106   71,415 2,700 SH   DFND   2,500 200 0
PAYCHEX INC COM COMMON STOCK 704326107   39,601 354 SH   SOLE   354 0 0
PAYPAL HLDGS INC COM COMMON STOCK 70450Y103   352,541 5,284 SH   SOLE   5,284 0 0
PAYPAL HLDGS INC COM COMMON STOCK 70450Y103   60,048 900 SH   DFND   900 0 0
PELOTON INTERACTIVE INC CL A COM COMMON STOCK 70614W100   499 65 SH   SOLE   65 0 0
PEOPLES FINL SVCS CORP COMMON STOCK 711040105   15,158,114 346,155 SH   SOLE   229,474 100 116,581
PEOPLES FINL SVCS CORP COMMON STOCK 711040105   137,325 3,136 SH   DFND   0 3,136 0
PEPSICO INC COM COMMON STOCK 713448108   5,328,769 28,770 SH   SOLE   27,643 944 183
PEPSICO INC COM COMMON STOCK 713448108   271,346 1,465 SH   DFND   699 766 0
PETMED EXPRESS INC COM COMMON STOCK 716382106   13,790 1,000 SH   SOLE   1,000 0 0
PFIZER INC COM COMMON STOCK 717081103   2,553,617 69,619 SH   SOLE   67,931 1,101 587
PFIZER INC COM COMMON STOCK 717081103   785,608 21,418 SH   DFND   16,000 4,918 500
PHILIP MORRIS INTL INC COMMON STOCK 718172109   300,569 3,079 SH   SOLE   3,079 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109   277,240 2,840 SH   DFND   1,240 1,600 0
PHILLIPS 66 COMMON STOCK 718546104   352,428 3,695 SH   SOLE   3,695 0 0
PHILLIPS 66 COMMON STOCK 718546104   225,573 2,365 SH   DFND   2,365 0 0
PROCTER & GAMBLE CO COM COMMON STOCK 742718109   3,548,726 23,387 SH   SOLE   22,024 1,074 289
PROCTER & GAMBLE CO COM COMMON STOCK 742718109   2,537,547 16,723 SH   DFND   10,793 5,530 400
PROSPECT CAP CORP COM COMMON STOCK 74348T102   1,271 205 SH   SOLE   205 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102   27,524 312 SH   SOLE   312 0 0
PUBLIC SVC ENTERPRISE GROUP COM COMMON STOCK 744573106   16,528 264 SH   SOLE   264 0 0
PUBLIC SVC ENTERPRISE GROUP COM COMMON STOCK 744573106   25,044 400 SH   DFND   400 0 0
QUALCOMM INC COM COMMON STOCK 747525103   1,178,131 9,897 SH   SOLE   9,897 0 0
QUALCOMM INC COM COMMON STOCK 747525103   166,656 1,400 SH   DFND   1,400 0 0
RAYTHEON TECHNOLOGIES CORP COM COMMON STOCK 75513E101   147,820 1,509 SH   SOLE   1,509 0 0
RAYTHEON TECHNOLOGIES CORP COM COMMON STOCK 75513E101   832,660 8,500 SH   DFND   8,500 0 0
REGIONS FINANCIAL CORP NEW COMMON STOCK 7591EP100   10,151 570 SH   SOLE   570 0 0
RESIDEO TECHNOLOGIES INC COM COMMON STOCK 76118Y104   282 16 SH   DFND   0 16 0
SHELL PLC SPON ADS COMMON STOCK 780259305   190,197 3,150 SH   DFND   400 2,750 0
GOLD TRUST MUTUAL FUNDS-ETF EQUITIES 78463V107   89,135 500 SH   SOLE   500 0 0
SPDR INDEX SHS FDS S&P INTL ETF MUTUAL FUNDS-ETF EQUITIES 78463X772   27,503 800 SH   SOLE   800 0 0
SANOFI AVENTIS SPONSORED ADR FOREIGN EQUITIES 80105N105   10,780 200 SH   SOLE   200 0 0
SCHLUMBERGER LTD COM COMMON STOCK 806857108   169,522 3,452 SH   SOLE   3,052 0 400
SCHLUMBERGER LTD COM COMMON STOCK 806857108   17,188 350 SH   DFND   150 200 0
SCHWAB STRATEGIC TR US BRD MKT ETF MUTUAL FUNDS-ETF EQUITIES 808524102   118,910 2,300 SH   SOLE   2,300 0 0
SPDR MATERIALS COMMON STOCK 81369Y100   520,832 6,285 SH   SOLE   6,074 211 0
SPDR MATERIALS COMMON STOCK 81369Y100   18,148 219 SH   DFND   219 0 0
SPDR HEALTH CARE COMMON STOCK 81369Y209   405,222 3,053 SH   SOLE   2,933 120 0
SPDR HEALTH CARE COMMON STOCK 81369Y209   13,273 100 SH   DFND   100 0 0
SPDR STAPLES COMMON STOCK 81369Y308   8,826 119 SH   SOLE   119 0 0
SPDR DISCRETIONARY COMMON STOCK 81369Y407   310,920 1,831 SH   SOLE   1,831 0 0
SPDR DISCRETIONARY COMMON STOCK 81369Y407   48,395 285 SH   DFND   285 0 0
SPDR ENERGY COMMON STOCK 81369Y506   786,449 9,689 SH   SOLE   6,762 2,927 0
SPDR ENERGY COMMON STOCK 81369Y506   44,643 550 SH   DFND   425 125 0
SPDR FINANCIALS COMMON STOCK 81369Y605   282,237 8,375 SH   SOLE   8,375 0 0
SPDR FINANCIALS COMMON STOCK 81369Y605   16,850 500 SH   DFND   500 0 0
SPDR INDUSTRIALS COMMON STOCK 81369Y704   44,751 417 SH   SOLE   417 0 0
SPDR TECHNOLOGY COMMON STOCK 81369Y803   922,847 5,308 SH   SOLE   5,308 0 0
SPDR COMMUNICATION COMMON STOCK 81369Y852   1,034,243 15,892 SH   SOLE   14,801 1,091 0
SPDR COMMUNICATION COMMON STOCK 81369Y852   13,016 200 SH   DFND   200 0 0
SPDR REAL ESTATE COMMON STOCK 81369Y860   128,488 3,410 SH   SOLE   3,410 0 0
SPDR UTILITIES COMMON STOCK 81369Y886   1,344,263 20,542 SH   SOLE   17,926 2,616 0
SNAP INC CL A COMMON STOCK 83304A106   2,368 200 SH   SOLE   200 0 0
SNDL INC COM COMMON STOCK 83307B101   136 100 SH   SOLE   100 0 0
SOUTHERN CO COM COMMON STOCK 842587107   1,031,403 14,682 SH   SOLE   13,682 300 700
SOUTHERN CO COM COMMON STOCK 842587107   632,250 9,000 SH   DFND   8,800 200 0
SOUTHWESTERN ENERGY COMMON STOCK 845467109   12,020 2,000 SH   SOLE   2,000 0 0
SPROTT PHYSICAL SILVER TR TR UNIT COMMON STOCK 85207K107   38,950 5,000 SH   DFND   5,000 0 0
STARBUCKS CORP COM COMMON STOCK 855244109   129,271 1,305 SH   SOLE   1,105 200 0
STARBUCKS CORP COM COMMON STOCK 855244109   267,462 2,700 SH   DFND   2,700 0 0
STATE STR CORP COM COMMON STOCK 857477103   325,280 4,445 SH   SOLE   4,445 0 0
STATE STR CORP COM COMMON STOCK 857477103   29,272 400 SH   DFND   400 0 0
SUNCOR ENERGY INC NEW COM FOREIGN EQUITIES 867224107   26,758 913 SH   SOLE   913 0 0
SUNCOR ENERGY INC NEW COM FOREIGN EQUITIES 867224107   8,793 300 SH   DFND   300 0 0
SUNPOWER CORP COMMON STOCK 867652406   294 30 SH   DFND   30 0 0
SYNCHRONY FINANCIAL COM COMMON STOCK 87165B103   8,477 250 SH   SOLE   250 0 0
SYSCO CORP COM COMMON STOCK 871829107   185,500 2,500 SH   SOLE   2,200 300 0
SYSCO CORP COM COMMON STOCK 871829107   37,100 500 SH   DFND   0 500 0
TJX COMPANIES COMMON STOCK 872540109   16,958 200 SH   SOLE   0 0 200
TAIWAN SEMICONDUCTOR ADR FOREIGN EQUITIES 874039100   5,046 50 SH   SOLE   50 0 0
TARGET CORP COMMON STOCK 87612E106   825,946 6,262 SH   SOLE   5,678 513 71
TELEDYNE TECHNOLOGIES INC COMMON STOCK 879360105   15,210 37 SH   SOLE   37 0 0
TESLA MOTORS, INC COMMON STOCK 88160R101   94,233 360 SH   SOLE   360 0 0
TESLA MOTORS, INC COMMON STOCK 88160R101   7,852 30 SH   DFND   30 0 0
THERMO FISCHER SCIENTIFIC COMMON STOCK 883556102   704,878 1,351 SH   SOLE   1,236 115 0
3M CO COMMON STOCK 88579Y101   839,845 8,391 SH   SOLE   8,291 0 100
3M CO COMMON STOCK 88579Y101   360,324 3,600 SH   DFND   3,300 300 0
TRAVELERS COMPANIES INC COM COMMON STOCK 89417E109   53,659 309 SH   SOLE   309 0 0
TRUIST FINL CORP COM COMMON STOCK 89832Q109   17,232 568 SH   SOLE   568 0 0
US BANCORP DEL COMMON STOCK 902973304   385,739 11,675 SH   SOLE   9,875 1,800 0
US BANCORP DEL COMMON STOCK 902973304   39,648 1,200 SH   DFND   1,000 200 0
UNION PAC CORP COM COMMON STOCK 907818108   1,765,461 8,628 SH   SOLE   8,628 0 0
UNITED PARCEL SERVICE INC CL B COMMON STOCK 911312106   763,954 4,262 SH   SOLE   3,688 382 192
UNITED PARCEL SERVICE INC CL B COMMON STOCK 911312106   116,512 650 SH   DFND   650 0 0
UNITED STATES STL CORP NEW COM COMMON STOCK 912909108   1,550 62 SH   SOLE   62 0 0
VANECK VECTORS ETF TR GOLD MINERS ETF COMMON STOCK 92189F106   60,220 2,000 SH   DFND   2,000 0 0
VANGUARD TOTAL INTL STOCK VG TL INTL STK F MUTUAL FUNDS-ETF EQUITIES 921909768   1,125,294 20,066 SH   SOLE   20,066 0 0
VANGUARD TOTAL INTL STOCK VG TL INTL STK F MUTUAL FUNDS-ETF EQUITIES 921909768   32,020 571 SH   DFND   571 0 0
VANGUARD B SHORT TERM BOND MUTUAL FUNDS-ETF FIXED INCOME 921937827   47,225 625 SH   DFND   0 625 0
VANGUARD BD INDEX FD INC TOTAL BD MARKET MUTUAL FUNDS-ETF FIXED INCOME 921937835   44,995 619 SH   DFND   0 619 0
VANGUARD FTSE DEVELOPED MARKET ETF MUTUAL FUNDS-ETF EQUITIES 921943858   10,806 234 SH   SOLE   234 0 0
VANGUARD INFORMATION TECH ETF MUTUAL FUNDS-ETF EQUITIES 92204A702   87,545 198 SH   SOLE   198 0 0
VANGUARD INTL EQUITY INDEX FALLWRLD EX US MUTUAL FUNDS-ETF EQUITIES 922042775   6,528 120 SH   SOLE   120 0 0
VANGUARD EMERGING MARKETS ETF MUTUAL FUNDS-ETF EQUITIES 922042858   56,952 1,400 SH   SOLE   1,400 0 0
VANGUARD EMERGING MARKETS ETF MUTUAL FUNDS-ETF EQUITIES 922042858   12,204 300 SH   DFND   300 0 0
VECTRUS INC. COMMON STOCK 92242T101   545 11 SH   DFND   11 0 0
VANGUARD 500 INDEX FUND MUTUAL FUNDS-ETF EQUITIES 922908363   670,364 1,646 SH   SOLE   1,646 0 0
VANGUARD 500 INDEX FUND MUTUAL FUNDS-ETF EQUITIES 922908363   65,161 160 SH   DFND   160 0 0
VANGUARD REAL ESTATE COMMON STOCK 922908553   1,167,323 13,970 SH   SOLE   12,541 1,162 267
VANGUARD REAL ESTATE COMMON STOCK 922908553   104,867 1,255 SH   DFND   1,000 255 0
VANGUARD MID CAP ETF MUTUAL FUNDS-ETF EQUITIES 922908629   771,874 3,506 SH   SOLE   3,376 130 0
VANGUARD MID CAP ETF MUTUAL FUNDS-ETF EQUITIES 922908629   34,784 158 SH   DFND   58 100 0
VANGUARD INDEX FDS EXTEND MKT ETF MUTUAL FUNDS-ETF EQUITIES 922908652   1,222,182 8,212 SH   SOLE   8,212 0 0
VANGUARD INDEX FDS EXTEND MKT ETF MUTUAL FUNDS-ETF EQUITIES 922908652   11,756 79 SH   DFND   79 0 0
VANGUARD GROWTH ETF MUTUAL FUNDS-ETF EQUITIES 922908736   483,276 1,708 SH   SOLE   1,708 0 0
VANGUARD VALUE ETF MUTUAL FUNDS-ETF EQUITIES 922908744   448,893 3,159 SH   SOLE   3,159 0 0
VANGUARD SMALL CAP ETF MUTUAL FUNDS-ETF EQUITIES 922908751   1,821,025 9,156 SH   SOLE   9,022 134 0
VANGUARD SMALL CAP ETF MUTUAL FUNDS-ETF EQUITIES 922908751   72,593 365 SH   DFND   265 100 0
VERIZON COMMUNICATIONS COM COMMON STOCK 92343V104   1,470,111 39,541 SH   SOLE   36,349 2,092 1,100
VERIZON COMMUNICATIONS COM COMMON STOCK 92343V104   368,451 9,910 SH   DFND   3,510 3,900 2,500
VIATRIS INC COM COMMON STOCK 92556V106   28,699 2,876 SH   SOLE   2,876 0 0
VIATRIS INC COM COMMON STOCK 92556V106   22,758 2,281 SH   DFND   1,686 533 62
VISA CLASS A COMMON STOCK 92826C839   572,085 2,409 SH   SOLE   2,409 0 0
VISA CLASS A COMMON STOCK 92826C839   498,708 2,100 SH   DFND   2,000 100 0
VIRTUS CONVERTIBLE & INCOME COM MUTUAL FUNDS-ETF EQUITIES 92838X102   9,844 2,829 SH   SOLE   2,829 0 0
VODAFONE GROUP PLC FOREIGN EQUITIES 92857W308   347,849 36,810 SH   SOLE   36,810 0 0
VODAFONE GROUP PLC FOREIGN EQUITIES 92857W308   133,245 14,100 SH   DFND   14,100 0 0
WEC ENERGY GROUP INC COM COMMON STOCK 92939U106   28,766 326 SH   SOLE   326 0 0
WABTEC CORP COM COMMON STOCK 929740108   219 2 SH   SOLE   2 0 0
WABTEC CORP COM COMMON STOCK 929740108   3,945 36 SH   DFND   13 23 0
WAL MART STORES INC COM COMMON STOCK 931142103   887,902 5,649 SH   SOLE   5,649 0 0
WAL MART STORES INC COM COMMON STOCK 931142103   125,744 800 SH   DFND   800 0 0
WALGREENS BOOTS ALLIANCE COMMON STOCK 931427108   34,888 1,225 SH   SOLE   1,225 0 0
WALGREENS BOOTS ALLIANCE COMMON STOCK 931427108   2,848 100 SH   DFND   0 100 0
WARNER BROS DISCOVERY INC COM SER A COMMON STOCK 934423104   22,766 1,816 SH   SOLE   1,816 0 0
WARNER BROS DISCOVERY INC COM SER A COMMON STOCK 934423104   5,740 458 SH   DFND   121 337 0
WASTE MANAGEMENT INC NEW COMMON STOCK 94106L109   581,468 3,353 SH   SOLE   3,298 55 0
WELLS FARGO & CO NEW COM COMMON STOCK 949746101   678,137 15,889 SH   SOLE   14,789 1,100 0
WELLS FARGO & CO NEW COM COMMON STOCK 949746101   55,484 1,300 SH   DFND   1,300 0 0
WEYERHAEUSER CO COM COMMON STOCK 962166104   47,972 1,432 SH   SOLE   1,432 0 0
WEYERHAEUSER CO COM COMMON STOCK 962166104   46,900 1,400 SH   DFND   0 1,400 0
XCEL ENERGY INC COMMON STOCK 98389B100   211,378 3,400 SH   SOLE   3,400 0 0
XYLEM INC COMMON STOCK 98419M100   518,612 4,605 SH   SOLE   3,590 1,015 0
XYLEM INC COMMON STOCK 98419M100   157,668 1,400 SH   DFND   1,300 100 0
ZIMVIE INC COM COMMON STOCK 98888T107   1,123 100 SH   DFND   100 0 0
ZIMMER HLDGS INC COM COMMON STOCK 98956P102   282,464 1,940 SH   DFND   1,940 0 0
ZOETIS INC CL A COMMON STOCK 98978V103   230,069 1,336 SH   SOLE   1,300 36 0
ZOOM VIDEO COMMUNICATIONS INCL A COMMON STOCK 98980L101   1,697 25 SH   SOLE   25 0 0