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   58,663 502 SH   SOLE   502 0 0
ARCO PLATFORM LIMITED -CLASS A FOREIGN EQUITIES G04553106   8,068 625 SH   SOLE   625 0 0
ACCENTURE PLC INFORMATION TECHNOLOGY G1151C101   1,024,607 3,239 SH   SOLE   3,239 0 0
CAMBIUM NETWORKS CORPORATION FOREIGN EQUITIES G17766109   6,152 380 SH   SOLE   380 0 0
EATON CORP PLC INDUSTRIALS G29183103   185,812 905 SH   SOLE   905 0 0
KINIKSA PHARMACEUTICALS LTD. -CLASS A FOREIGN EQUITIES G5269C101   16,485 875 SH   SOLE   875 0 0
NORWEGIAN CRUISE LINE HOLDINGS LTD CONSUMER DISCRETIONARY G66721104   2,206 100 SH   SOLE   100 0 0
NOVOCURE LIMITED HEALTHCARE G6674U108   3,263 100 SH   SOLE   100 0 0
SMART GLOBAL HOLDINGS INC. FOREIGN EQUITIES G8232Y101   9,040 340 SH   SOLE   340 0 0
VINCI PARTNERS INVESTMENTS LTD. - CLASS A FINANCIALS G9451V109   8,815 855 SH   SOLE   855 0 0
FIVERR INTERNATIONAL LTD. FOREIGN EQUITIES M4R82T106   8,135 270 SH   SOLE   270 0 0
JFROG LTD FOREIGN EQUITIES M6191J100   10,615 345 SH   SOLE   345 0 0
ZIM INTEGRATED SHIPPING SERVICES, LTD. INDUSTRIALS M9T951109   1,514 100 SH   SOLE   100 0 0
WIX.COM LTD INFORMATION TECHNOLOGY M98068105   12,072 128 SH   SOLE   128 0 0
ASML HOLDING N V N Y REGISTRY SHS FOREIGN EQUITIES N07059210   21,492 30 SH   SOLE   30 0 0
FLEXTRONICS INTL INFORMATION TECHNOLOGY Y2573F102   41,040 1,500 SH   SOLE   1,500 0 0
AFLAC INC. FINANCIALS 001055102   1,157 16 SH   SOLE   16 0 0
AT&T INC. COMMUNICATION SERVICES 00206R102   476,767 32,837 SH   SOLE   32,777 0 60
AT&T INC. COMMUNICATION SERVICES 00206R102   83,779 5,770 SH   DFND   4,710 1,060 0
ARK AUTONOMOUS TECHNOLOGY & ROBOTICS ETF INFORMATION TECHNOLOGY 00214Q203   12,360 210 SH   SOLE   210 0 0
ABBOTT LABS HEALTHCARE 002824100   859,439 7,720 SH   SOLE   7,320 400 0
ABBOTT LABS HEALTHCARE 002824100   134,152 1,205 SH   DFND   0 1,205 0
ABBVIE INC. HEALTHCARE 00287Y109   2,031,406 13,581 SH   SOLE   13,103 478 0
ABBVIE INC. HEALTHCARE 00287Y109   353,756 2,365 SH   DFND   1,250 1,115 0
ACTIVISION BLIZZARD, INC. INFORMATION TECHNOLOGY 00507V109   226,981 2,447 SH   SOLE   2,447 0 0
ADOBE INC INFORMATION TECHNOLOGY 00724F101   587,652 1,076 SH   SOLE   1,076 0 0
AECOM TECHNOLOGY CORP INFORMATION TECHNOLOGY 00766T100   1,392 16 SH   SOLE   16 0 0
ADVANCED MICRO DEVICES INC INFORMATION TECHNOLOGY 007903107   735,580 6,430 SH   SOLE   6,430 0 0
ADVANCED MICRO DEVICES INC INFORMATION TECHNOLOGY 007903107   11,440 100 SH   DFND   0 0 100
INVESCO INTERNATIONAL GROWTH FUND MUTUAL FUND 008882532   1,610 71 SH   SOLE   71 0 0
AIR PRODUCTS & CHEMICALS INC MATERIALS 009158106   353,252 1,157 SH   SOLE   1,157 0 0
ALIGN TECHNOLOGY INC. HEALTHCARE 016255101   3,778 10 SH   SOLE   10 0 0
ALLSTATE CORP FINANCIALS 020002101   67,608 600 SH   SOLE   300 300 0
ALTRIA GROUP, INC. CONSUMER STAPLES 02209S103   170,918 3,764 SH   SOLE   3,764 0 0
AMAZON. COM, INC CONSUMER DISCRETIONARY 023135106   5,099,845 38,150 SH   SOLE   37,950 200 0
AMAZON. COM, INC CONSUMER DISCRETIONARY 023135106   26,736 200 SH   DFND   200 0 0
AMERICAN ELEC PWR INC UTILITIES 025537101   72,197 852 SH   SOLE   852 0 0
AMERICAN EXPRESS FINANCIALS 025816109   381,313 2,258 SH   SOLE   2,221 0 37
AMERICAN EXPRESS FINANCIALS 025816109   23,980 142 SH   DFND   0 142 0
AMERICAN TOWER CORPORATION COMMUNICATION SERVICES 03027X100   716,678 3,766 SH   SOLE   3,766 0 0
AMERICAN WATER WORKS INC. CONSUMER DISCRETIONARY 030420103   5,307 36 SH   SOLE   36 0 0
AMERIPRISE FINANCIAL INC. FINANCIALS 03076C106   27,526 79 SH   SOLE   79 0 0
AMGEN INCORPORATED HEALTHCARE 031162100   516,513 2,206 SH   SOLE   2,206 0 0
AMGEN INCORPORATED HEALTHCARE 031162100   113,328 484 SH   DFND   484 0 0
AMKOR TECHNOLOGY INC INFORMATION TECHNOLOGY 031652100   4,363 150 SH   SOLE   150 0 0
ANIXA BIOSCIENCES INC. HEALTHCARE 03528H109   25,060 7,000 SH   SOLE   7,000 0 0
APPIAN CORPORATION INFORMATION TECHNOLOGY 03782L101   14,425 280 SH   SOLE   280 0 0
APPLE INC INFORMATION TECHNOLOGY 037833100   14,443,340 73,522 SH   SOLE   72,042 1,400 80
APPLE INC INFORMATION TECHNOLOGY 037833100   534,344 2,720 SH   DFND   2,560 160 0
APPLE HOSPITALTIY REIT INC COMMON SHARES REAL ESTATE 03784Y200   2,495 161 SH   SOLE   161 0 0
APPLIED MATL INC INFORMATION TECHNOLOGY 038222105   1,313,657 8,666 SH   SOLE   8,666 0 0
ARCHER DANIELS MIDLAND CO CONSUMER STAPLES 039483102   2,039 24 SH   SOLE   24 0 0
ARISTA NETWORKS INC. INFORMATION TECHNOLOGY 040413106   37,221 240 SH   SOLE   240 0 0
ARROW FINANCIAL CORPORATION FINANCIALS 042744102   409,215 20,349 SH   SOLE   20,349 0 0
ASTRAZENECA PLC - ADR HEALTHCARE 046353108   71,625 999 SH   SOLE   999 0 0
AUTODESK INC. INFORMATION TECHNOLOGY 052769106   10,599 50 SH   SOLE   50 0 0
AUTOMATIC DATA PROCESSING INC INFORMATION TECHNOLOGY 053015103   840,180 3,398 SH   SOLE   3,098 300 0
AUTOMATIC DATA PROCESSING INC INFORMATION TECHNOLOGY 053015103   219,071 886 SH   DFND   0 886 0
AXON ENTERPRISE INC COM INDUSTRIALS 05464C101   46,482 250 SH   SOLE   250 0 0
BP P.L.C. ENERGY 055622104   67,045 1,798 SH   SOLE   1,798 0 0
BP PRUDHOE BAY ROYALTY TRUST ENERGY 055630107   710 100 SH   SOLE   100 0 0
BM TECHNOLOGIES INC. INDUSTRIALS 05591L107   2,640 880 SH   SOLE   880 0 0
BAIDU INC - SPON ADR INFORMATION TECHNOLOGY 056752108   1,871 12 SH   SOLE   12 0 0
BANDWIDTH INC INFORMATION TECHNOLOGY 05988J103   1,969 130 SH   SOLE   130 0 0
BANK OF AMERICA CORP FINANCIALS 060505104   657,248 20,539 SH   SOLE   20,539 0 0
BANK OF NEW YORK MELLON CORP FINANCIALS 064058100   39,506 871 SH   SOLE   871 0 0
BAOUZUN INC-SPN ADR FOREIGN EQUITIES 06684L103   387 75 SH   SOLE   75 0 0
BARRICK GOLD CORP MATERIALS 067901108   2,332 135 SH   SOLE   135 0 0
BAXTER INTERNATIONAL INC. HEALTHCARE 071813109   45,220 1,000 SH   SOLE   1,000 0 0
BECTON DICKINSON & CO HEALTHCARE 075887109   346,306 1,243 SH   SOLE   1,008 235 0
BERKSHIRE HATHAWAY INC. DEL CLASS B FINANCIALS 084670702   3,429,701 9,745 SH   SOLE   9,745 0 0
BERKSHIRE HATHAWAY INC. DEL CLASS B FINANCIALS 084670702   13,022 37 SH   DFND   0 37 0
BEST BUY CONSUMER DISCRETIONARY 086516101   26,991 325 SH   SOLE   325 0 0
BIOGEN INC HEALTHCARE 09062X103   21,615 80 SH   SOLE   80 0 0
BLACK HILLS CORPORATION UTILITIES 092113109   12,066 200 SH   SOLE   200 0 0
BLACKROCK INC FINANCIALS 09247X101   1,131,880 1,532 SH   SOLE   1,532 0 0
BLACKROCK INC FINANCIALS 09247X101   11,082 15 SH   DFND   0 15 0
BLINK CHARGING CO. - COMMON STOCK CONSUMER DISCRETIONARY 09354A100   1,177 184 SH   SOLE   184 0 0
BLOOM ENERGY CORP COM CL A ENERGY 093712107   3,572 200 SH   SOLE   200 0 0
BOEING INDUSTRIALS 097023105   471,487 1,974 SH   SOLE   1,974 0 0
BOEING INDUSTRIALS 097023105   107,482 450 SH   DFND   50 400 0
BOSTON SCIENTIFIC CORP HEALTHCARE 101137107   51,684 997 SH   SOLE   997 0 0
BRISTOL MYERS SQUIBB CO HEALTHCARE 110122108   1,590,894 25,586 SH   SOLE   23,586 2,000 0
BRISTOL MYERS SQUIBB CO HEALTHCARE 110122108   252,760 4,065 SH   DFND   3,000 1,065 0
C3.AI INC INFORMATION TECHNOLOGY 12468P104   2,100 50 SH   SOLE   50 0 0
CBOE GLOBAL MARKETS, INC. FINANCIALS 12503M108   13,968 100 SH   SOLE   100 0 0
CME GROUP INC. FINANCIALS 12572Q105   4,576 23 SH   SOLE   23 0 0
CRA INTERNATIONAL INC. INDUSTRIALS 12618T105   10,509 105 SH   SOLE   105 0 0
CSX CORPORATION INDUSTRIALS 126408103   813,259 24,415 SH   SOLE   24,415 0 0
CSX CORPORATION INDUSTRIALS 126408103   119,916 3,600 SH   DFND   3,600 0 0
CVS HEALTH CORP CONSUMER STAPLES 126650100   891,021 11,930 SH   SOLE   11,930 0 0
COTERRA ENERGY INC ENERGY 127097103   27,540 1,000 SH   SOLE   1,000 0 0
CANADIAN IMPERIAL BANK OF COMMERCE FINANCIALS 136069101   6,609 150 SH   SOLE   150 0 0
CANADIAN NATIONAL RAILWAY CO FOREIGN EQUITIES 136375102   4,849 40 SH   SOLE   40 0 0
CANADIAN SOLAR INC COM ENERGY 136635109   18,075 500 SH   SOLE   500 0 0
CAPITAL ONE FINANCIAL CORP FINANCIALS 14040H105   10,531 90 SH   SOLE   90 0 0
CARGURUS INC COM CL A CONSUMER DISCRETIONARY 141788109   22,650 1,000 SH   SOLE   1,000 0 0
CARRIER GLOBAL CORPORATION INDUSTRIALS 14448C104   227,315 3,818 SH   SOLE   3,118 700 0
CARRIER GLOBAL CORPORATION INDUSTRIALS 14448C104   61,622 1,035 SH   DFND   655 380 0
CASEY'S GENERAL STORES INC CONSUMER DISCRETIONARY 147528103   17,686 70 SH   SOLE   70 0 0
CATERPILLAR INC INDUSTRIALS 149123101   2,093,130 7,894 SH   SOLE   7,799 70 25
CATERPILLAR INC INDUSTRIALS 149123101   389,782 1,470 SH   DFND   1,025 445 0
CENTERPOINT ENERGY, INC UTILITIES 15189T107   33,099 1,100 SH   SOLE   1,100 0 0
CENTERPOINT ENERGY, INC UTILITIES 15189T107   120,360 4,000 SH   DFND   4,000 0 0
CENTESSA PHARMACEUTICALS PLC HEALTHCARE 152309100   7,307 925 SH   SOLE   925 0 0
CHARTER COMMUNICATIONS,INC-A COMMUNICATION SERVICES 16119P108   2,836 7 SH   SOLE   7 0 0
CHEGG INC COM CONSUMER DISCRETIONARY 163092109   2,532 250 SH   SOLE   250 0 0
CHEVRON CORPORATION ENERGY 166764100   2,241,928 13,699 SH   SOLE   13,316 383 0
CHEVRON CORPORATION ENERGY 166764100   325,845 1,991 SH   DFND   1,486 505 0
CHEWY INC. CONSUMER DISCRETIONARY 16679L109   847 25 SH   SOLE   25 0 0
CHICO'S FASHION INC CONSUMER DISCRETIONARY 168615102   12,352 2,025 SH   SOLE   2,025 0 0
CISCO SYSTEMS INC. INFORMATION TECHNOLOGY 17275R102   1,706,929 32,801 SH   SOLE   32,236 500 65
CISCO SYSTEMS INC. INFORMATION TECHNOLOGY 17275R102   67,912 1,305 SH   DFND   30 1,275 0
CIRRUS LOGIC INC INFORMATION TECHNOLOGY 172755100   8,080 100 SH   SOLE   100 0 0
CITIGROUP INC. FINANCIALS 172967424   313,466 6,579 SH   SOLE   6,579 0 0
CITIGROUP INC. FINANCIALS 172967424   62,183 1,305 SH   DFND   1,305 0 0
CLEARPOINT NEURO INC. HEALTHCARE 18507C103   6,045 880 SH   SOLE   880 0 0
CLOROX COMPANY CONSUMER STAPLES 189054109   64,379 425 SH   SOLE   425 0 0
CLOROX COMPANY CONSUMER STAPLES 189054109   30,296 200 SH   DFND   0 200 0
COCA COLA CO CONSUMER STAPLES 191216100   1,727,986 27,903 SH   SOLE   25,433 2,470 0
COCA COLA CO CONSUMER STAPLES 191216100   255,149 4,120 SH   DFND   3,430 690 0
COGNIZANT TECHNOLOGY SOLUTIONS CORP INFORMATION TECHNOLOGY 192446102   6,602 100 SH   SOLE   100 0 0
COLGATE PALMOLIVE CONSUMER STAPLES 194162103   1,057,329 13,865 SH   SOLE   13,830 0 35
COLGATE PALMOLIVE CONSUMER STAPLES 194162103   121,558 1,594 SH   DFND   1,374 220 0
COMCAST CORP NEW CL A CONSUMER DISCRETIONARY 20030N101   368,460 8,143 SH   SOLE   8,143 0 0
COMPASS PATHWAYS PLC HEALTHCARE 20451W101   4,706 505 SH   SOLE   505 0 0
CONOCOPHILLIPS ENERGY 20825C104   343,383 2,917 SH   SOLE   2,917 0 0
CONOCOPHILLIPS ENERGY 20825C104   2,354 20 SH   DFND   20 0 0
CONSOLIDATED EDISON INC UTILITIES 209115104   31,208 329 SH   SOLE   329 0 0
CORNERSTONE STRATEGIC VALUE FUND INC. FINANCIALS 21924B302   3,155 361 SH   SOLE   361 0 0
CORNING INC INFORMATION TECHNOLOGY 219350105   407,498 12,010 SH   SOLE   12,010 0 0
COSTCO WHSL CORP NEW CONSUMER STAPLES 22160K105   952,531 1,699 SH   SOLE   1,699 0 0
CROSSAMERICA PARTNERS LP ENERGY 22758A105   112,640 5,500 SH   SOLE   5,500 0 0
CUBESMART COM REAL ESTATE 229663109   5,029 116 SH   SOLE   116 0 0
CUMMINS INC INDUSTRIALS 231021106   178,633 685 SH   SOLE   685 0 0
CUMMINS INC INDUSTRIALS 231021106   28,686 110 SH   DFND   110 0 0
DNP SELECT INCOME FUND INC FIXED INCOME 23325P104   15,285 1,500 SH   SOLE   1,500 0 0
D R HORTON INC CONSUMER DISCRETIONARY 23331A109   53,983 425 SH   SOLE   425 0 0
DTE ENERGY CO UTILITIES 233331107   72,005 630 SH   SOLE   630 0 0
DTE ENERGY CO UTILITIES 233331107   79,438 695 SH   DFND   695 0 0
DANAHER CORP HEALTHCARE 235851102   1,037,304 4,067 SH   SOLE   4,067 0 0
DANAHER CORP HEALTHCARE 235851102   148,189 581 SH   DFND   500 81 0
DATADOG INC CLASS A INFORMATION TECHNOLOGY 23804L103   49,606 425 SH   SOLE   425 0 0
DAVITA INC. HEALTHCARE 23918K108   26,517 260 SH   SOLE   260 0 0
DEERE & CO (JOHN DEERE) INDUSTRIALS 244199105   635,783 1,480 SH   SOLE   1,270 210 0
DELTA AIR LINES INC CONSUMER DISCRETIONARY 247361702   21,043 455 SH   SOLE   455 0 0
DEVON ENERGY CORPORATION NEW ENERGY 25179M103   161,946 2,999 SH   SOLE   2,999 0 0
DIAGEO PLC CONSUMER DISCRETIONARY 25243Q205   23,575 134 SH   SOLE   134 0 0
DIAMONDBACK ENERGY INC. ENERGY 25278X109   33,146 225 SH   SOLE   225 0 0
DISNEY (WALT) COMPANY HOLDING CO CONSUMER DISCRETIONARY 254687106   1,082,633 12,180 SH   SOLE   12,155 0 25
DISNEY (WALT) COMPANY HOLDING CO CONSUMER DISCRETIONARY 254687106   116,266 1,308 SH   DFND   220 1,088 0
DISCOVER FINANCIAL SERVICES FINANCIALS 254709108   46,442 440 SH   SOLE   440 0 0
DOCEBO INC. INFORMATION TECHNOLOGY 25609L105   5,184 135 SH   SOLE   135 0 0
DOCUSIGN INC INFORMATION TECHNOLOGY 256163106   12,645 235 SH   SOLE   235 0 0
DOLLAR TREE, INC. CONSUMER DISCRETIONARY 256746108   30,866 200 SH   SOLE   200 0 0
DOMINION ENERGY, INC. UTILITIES 25746U109   362,618 6,773 SH   SOLE   6,773 0 0
DOMINION ENERGY, INC. UTILITIES 25746U109   56,752 1,060 SH   DFND   1,060 0 0
DOMINO'S PIZZA INC CONSUMER DISCRETIONARY 25754A201   1,983 5 SH   SOLE   5 0 0
DONALDSON COMPANY INC CONSUMER DISCRETIONARY 257651109   69,113 1,100 SH   SOLE   1,100 0 0
DOW INC. MATERIALS 260557103   468,959 8,305 SH   SOLE   7,793 512 0
DOW INC. MATERIALS 260557103   80,187 1,420 SH   DFND   1,420 0 0
DREAM FINDERS HOMES INC. - CLASS A CONSUMER DISCRETIONARY 26154D100   15,682 615 SH   SOLE   615 0 0
DUKE ENERGY CORPORATION NEW ENERGY 26441C204   424,253 4,532 SH   SOLE   4,532 0 0
DUKE ENERGY CORPORATION NEW ENERGY 26441C204   75,083 802 SH   DFND   802 0 0
EOG RESOURCES INC ENERGY 26875P101   13,782 104 SH   SOLE   104 0 0
EBAY INC CONSUMER DISCRETIONARY 278642103   9,210 207 SH   SOLE   207 0 0
ECOLAB INC. MATERIALS 278865100   13,735 75 SH   SOLE   75 0 0
EDISON INTERNATIONAL UTILITIES 281020107   719 10 SH   SOLE   10 0 0
ELECTRONIC ARTS INC INFORMATION TECHNOLOGY 285512109   7,499 55 SH   SOLE   55 0 0
EMERSON ELECTRIC INDUSTRIALS 291011104   452,178 4,950 SH   SOLE   3,510 1,440 0
EMERSON ELECTRIC INDUSTRIALS 291011104   145,246 1,590 SH   DFND   0 1,590 0
ENBRIDGE INC ENERGY 29250N105   105,178 2,859 SH   SOLE   2,859 0 0
ENERGY TRANSFER LP COM UT LTD PTN ENERGY 29273V100   4,305 324 SH   SOLE   324 0 0
ENTERGY CORPORATION UTILITIES 29364G103   6,059 59 SH   SOLE   59 0 0
ENTERGY CORPORATION UTILITIES 29364G103   82,160 800 SH   DFND   800 0 0
ENTERPRISE PRODUCTS PARTNERS L.P. ENERGY 293792107   185,791 7,011 SH   SOLE   7,011 0 0
EQUITY RESIDENTIAL SHARES OF BENEFICIAL INT FINANCIALS 29476L107   3,297 50 SH   SOLE   50 0 0
ESPEY MFG. & ELECTRONICS CORP INDUSTRIALS 296650104   94,192 5,747 SH   SOLE   5,747 0 0
ESPEY MFG. & ELECTRONICS CORP INDUSTRIALS 296650104   3,278 200 SH   DFND   100 0 100
ETSY INC CONSUMER DISCRETIONARY 29786A106   16,772 165 SH   SOLE   165 0 0
EXACT SCIENCES CORP COM HEALTHCARE 30063P105   21,946 225 SH   SOLE   225 0 0
EXELON CORP UTILITIES 30161N101   79,820 1,907 SH   SOLE   1,632 275 0
EXELON CORP UTILITIES 30161N101   45,627 1,090 SH   DFND   1,090 0 0
EXXON MOBIL CORP ENERGY 30231G102   2,049,422 19,111 SH   SOLE   14,306 4,805 0
EXXON MOBIL CORP ENERGY 30231G102   539,304 5,029 SH   DFND   2,217 2,812 0
F.N.B. CORPORATION FINANCIALS 302520101   7,034 550 SH   SOLE   550 0 0
META PLATFORMS INC INFORMATION TECHNOLOGY 30303M102   1,708,240 5,362 SH   SOLE   5,362 0 0
META PLATFORMS INC INFORMATION TECHNOLOGY 30303M102   22,301 70 SH   DFND   70 0 0
FAIR ISAAC CORPORATION INFORMATION TECHNOLOGY 303250104   12,569 15 SH   SOLE   15 0 0
FASTLY INC CLASS A INFORMATION TECHNOLOGY 31188V100   5,691 310 SH   SOLE   310 0 0
FATHOM HOLDINGS INC. REAL ESTATE 31189V109   1,849 230 SH   SOLE   230 0 0
FEDEX CORPORATION INDUSTRIALS 31428X106   219,444 813 SH   SOLE   813 0 0
FEDEX CORPORATION INDUSTRIALS 31428X106   33,742 125 SH   DFND   125 0 0
FIDELITY MSCI INFORMATION TECHNOLOGY INDEX ETF INFORMATION TECHNOLOGY 316092808   308,424 2,295 SH   SOLE   2,295 0 0
FIFTH THIRD BANCORP FINANCIALS 316773100   19,635 675 SH   SOLE   675 0 0
1STDIBS.COM INC INFORMATION TECHNOLOGY 320551104   3,886 955 SH   SOLE   955 0 0
FIRST TRUST NASDAQ CLEAN EDGE GREEN ENERGY ETF ENERGY 33733E500   77,909 1,428 SH   SOLE   1,428 0 0
FIRST TR EXCHANGE TRAD FD VIFST TR GLB FD Exchange Traded Funds - Equity 33739H101   12,361 506 SH   SOLE   506 0 0
FT CBOE VEST S&P 500 DIV ARISTOCRATS TARGET I EXCHANGE TRADED FUND - EQUITY 33739Q705   17,315 320 SH   SOLE   320 0 0
FIRSTENERGY CORP UTILITIES 337932107   2,165 55 SH   SOLE   55 0 0
FORD MOTOR CO DEL CONSUMER DISCRETIONARY 345370860   49,087 3,716 SH   SOLE   3,716 0 0
FORTIVE CORPORATION INFORMATION TECHNOLOGY 34959J108   7,835 100 SH   DFND   100 0 0
FREEPORT-MCMORAN COPPER & GOLD CLASS B MATERIALS 35671D857   25,450 570 SH   SOLE   570 0 0
FRESHPET INC CONSUMER STAPLES 358039105   5,515 75 SH   SOLE   75 0 0
FULGENT GENETICS INC. HEALTHCARE 359664109   33,384 860 SH   SOLE   860 0 0
GE HEALTHCARE TECHNOLOGIES, INC. HEALTHCARE 36266G107   80,418 1,031 SH   SOLE   669 362 0
GE HEALTHCARE TECHNOLOGIES, INC. HEALTHCARE 36266G107   312 4 SH   DFND   0 0 4
GAMESTOP CORP NEW CL A CONSUMER DISCRETIONARY 36467W109   266 12 SH   SOLE   12 0 0
GENERAL DYNAMICS CORPORATION INDUSTRIALS 369550108   693,524 3,102 SH   SOLE   3,102 0 0
GENERAL DYNAMICS CORPORATION INDUSTRIALS 369550108   14,532 65 SH   DFND   65 0 0
GENERAL MILLS, INC CONSUMER STAPLES 370334104   118,761 1,589 SH   SOLE   989 600 0
GENERAL MILLS, INC CONSUMER STAPLES 370334104   104,636 1,400 SH   DFND   1,400 0 0
GILEAD SCIENCES, INC. HEALTHCARE 375558103   202,116 2,655 SH   SOLE   2,655 0 0
GINGKO BIOWORKS HOLDINGS INC MATERIALS 37611X100   4,347 1,739 SH   SOLE   1,739 0 0
GLADSTONE COMMERCIAL CORP CONSUMER DISCRETIONARY 376536108   16,558 1,245 SH   SOLE   1,245 0 0
GLADSTONE LAND CORPORATION REAL ESTATE 376549101   5,019 300 SH   SOLE   300 0 0
GLOBAL X MLP AND ENERGY INFRASTRUCTURE ETF ENERGY 37954Y293   15,584 360 SH   SOLE   360 0 0
GLOBAL X AUTONOMOUS & ELECTRIC VEHICLE ETF EXCHANGE TRADED FUND - EQUITY 37954Y624   34,965 1,260 SH   SOLE   1,260 0 0
GOLDMAN SACHS GROUP INC FINANCIALS 38141G104   7,117 20 SH   SOLE   20 0 0
W.W. GRAINGER INDUSTRIALS 384802104   73,848 100 SH   SOLE   100 0 0
GUARDANT HEALTH INC. HEALTHCARE 40131M109   4,487 115 SH   SOLE   115 0 0
HARLEY DAVIDSON CONSUMER DISCRETIONARY 412822108   10,422 270 SH   SOLE   270 0 0
HELMERICH & PAYNE, INC. ENERGY 423452101   895 20 SH   SOLE   20 0 0
THE HERSHEY COMPANY CONSUMER STAPLES 427866108   29,607 128 SH   SOLE   128 0 0
HOME DEPOT INC CONSUMER DISCRETIONARY 437076102   3,131,938 9,382 SH   SOLE   8,377 1,005 0
HOME DEPOT INC CONSUMER DISCRETIONARY 437076102   347,183 1,040 SH   DFND   400 640 0
HONEYWELL INTERNATIONAL INC INDUSTRIALS 438516106   770,286 3,968 SH   SOLE   3,968 0 0
HUBSPOT INC. INFORMATION TECHNOLOGY 443573100   92,886 160 SH   SOLE   160 0 0
ILLINOIS TOOL WORKS INC. INDUSTRIALS 452308109   354,684 1,347 SH   SOLE   1,347 0 0
IMMUNITYBIO INC. HEALTHCARE 45256X103   990 450 SH   SOLE   450 0 0
INTEL CORP INFORMATION TECHNOLOGY 458140100   1,647,505 46,060 SH   SOLE   43,505 2,490 65
INTEL CORP INFORMATION TECHNOLOGY 458140100   281,541 7,871 SH   DFND   5,649 2,222 0
CORECARD CORPORATION INFORMATION TECHNOLOGY 45816D100   6,365 265 SH   SOLE   265 0 0
INTERACTIVE BROKERS GRO-CL A FINANCIALS 45841N107   21,832 250 SH   SOLE   250 0 0
INTERCONTINENTAL EXCHANGE INCOM FINANCIALS 45866F104   28,700 250 SH   SOLE   250 0 0
INTL BUSINESS MACHINES INFORMATION TECHNOLOGY 459200101   689,888 4,785 SH   SOLE   4,785 0 0
INTL BUSINESS MACHINES INFORMATION TECHNOLOGY 459200101   241,499 1,675 SH   DFND   753 922 0
INTERNATIONAL PAPER CO MATERIALS 460146103   151,449 4,200 SH   SOLE   4,165 0 35
INTUITIVE SURGICAL INC HEALTHCARE 46120E602   52,549 162 SH   SOLE   162 0 0
INTUIT INC INFORMATION TECHNOLOGY 461202103   5,116 10 SH   SOLE   10 0 0
INVESCO S&P 500 EQUAL WEIGHT REAL ESTATE ETF REAL ESTATE 46137V290   18,096 565 SH   SOLE   565 0 0
INVESCO DYNAMIC BIOTECH & GENOME ETF HEALTHCARE 46137V787   41,179 649 SH   SOLE   649 0 0
INVESCO PREFERRED ETF EXCHANGE TRADED FUND-FIXED INC 46138E511   13,133 1,150 SH   SOLE   1,150 0 0
INVESCO GLOBAL WATER ETF EXCHANGE TRADED FUND - EQUITY 46138E651   55,260 1,500 SH   SOLE   1,500 0 0
INVESCO EXCH TRADED FD TR IISOLAR ETF ENERGY 46138G706   6,511 95 SH   SOLE   95 0 0
INVITAE CORP COM HEALTHCARE 46185L103   176 125 SH   SOLE   125 0 0
IQIYI, INC. - ADR INFORMATION TECHNOLOGY 46267X108   634 100 SH   SOLE   100 0 0
IROBOT CORPORATION INDUSTRIALS 462726100   1,200 30 SH   SOLE   30 0 0
ETF ISHARES SILVER TR MUTUAL FUND 46428Q109   86,410 3,810 SH   SOLE   3,810 0 0
ISHARES MSCI AUSTRALIA ETF MUTUAL FUND 464286103   7,008 300 SH   DFND   300 0 0
ISHARES MSCI CANADA ETF MUTUAL FUND 464286509   9,016 250 SH   DFND   250 0 0
ISHARES MSCI SWEDEN ETF MUTUAL FUND 464286756   10,725 300 SH   SOLE   300 0 0
ISHARES MSCI SOUTH KOREA CAPPED ETF EXCHANGE TRADED FUND - EQUITY 464286772   64,919 961 SH   SOLE   961 0 0
ISHARES S & P 100 ETF MUTUAL FUND 464287101   1,201,661 5,610 SH   SOLE   5,610 0 0
ISHARES SELECT DIVIDEND ETF EXCHANGE TRADED FUND - EQUITY 464287168   296,210 2,509 SH   SOLE   2,509 0 0
ISHARES TIPS BOND ETF EXCHANGE TRADED FUND-FIXED INC 464287176   4,912,917 45,847 SH   SOLE   45,362 0 485
ISHARES TIPS BOND ETF EXCHANGE TRADED FUND-FIXED INC 464287176   667,176 6,226 SH   DFND   5,919 307 0
ISHARES CORE S&P 500 ETF EXCHANGE TRADED FUND - EQUITY 464287200   52,459 114 SH   SOLE   114 0 0
ISHARES CORE TOTAL US AGGREGATE BOND ETF-W EXCHANGE TRADED FUND-FIXED INC 46428722W   684,539 7,008 SH   SOLE   7,008 0 0
ISHARES CORE TOTAL US AGGREGATE BOND ETF EXCHANGE TRADED FUND-FIXED INC 464287226   3,457,765 35,399 SH   SOLE   35,399 0 0
ISHARES MSCI EMERGING MARKETS ETF EXCHANGE TRADED FUND - EQUITY 464287234   47,823 1,140 SH   SOLE   1,140 0 0
ISHARES MSCI EAFE ETF FUND EXCHANGE TRADED FUND - EQUITY 464287465   849,455 11,410 SH   SOLE   11,410 0 0
ISHARES MSCI EAFE ETF FUND EXCHANGE TRADED FUND - EQUITY 464287465   14,890 200 SH   DFND   0 200 0
ISHARES RUSSELL MIDCAP ETF EXCHANGE TRADED FUND - EQUITY 464287499   269,822 3,555 SH   SOLE   3,555 0 0
ISHARES CORE S&P MID CAP ETF EXCHANGE TRADED FUND - EQUITY 464287507   673,887 2,474 SH   SOLE   2,474 0 0
ISHARES CORE S&P MID CAP ETF EXCHANGE TRADED FUND - EQUITY 464287507   40,858 150 SH   DFND   0 150 0
ISHARES RUSSELL 1000 VALUE INDEX FUND EXCHANGE TRADED FUND - EQUITY 464287598   586,729 3,591 SH   SOLE   3,591 0 0
ISHARES RUSSELL 1000 GROWTH ETF EXCHANGE TRADED FUND - EQUITY 464287614   1,797,425 6,315 SH   SOLE   6,315 0 0
ISHARES RUSSELL 2000 GROWTH ETF EXCHANGE TRADED FUND - EQUITY 464287648   418,402 1,647 SH   SOLE   1,647 0 0
ISHARES RUSSELL 2000 ETF EXCHANGE TRADED FUND - EQUITY 464287655   297,665 1,498 SH   SOLE   1,498 0 0
ISHARES U.S. TECHNOLOGY ETF INFORMATION TECHNOLOGY 464287721   51,151 450 SH   SOLE   450 0 0
ISHARES U.S. HEALTHCARE ETF HEALTHCARE 464287762   2,822 10 SH   SOLE   10 0 0
ISHARES U.S. FINANCIAL ETF FINANCIALS 464287788   23,820 300 SH   SOLE   300 0 0
ISHARES CORE S&P SMALL-CAP ETF EXCHANGE TRADED FUND - EQUITY 464287804   3,684,451 35,037 SH   SOLE   34,957 0 80
ISHARES CORE S&P SMALL-CAP ETF EXCHANGE TRADED FUND - EQUITY 464287804   196,017 1,864 SH   DFND   540 1,324 0
ISHARES S&P SMALLCAP 600 GROWTH INDEX FD Exchange Traded Funds - Equity 464287887   4,713 39 SH   SOLE   39 0 0
ETF ISHARES GLOBAL CLEAN ENERGY ENERGY 464288224   97,028 5,311 SH   SOLE   5,311 0 0
ISHARES CORE US REIT ETF REAL ESTATE 464288521   16,769 317 SH   SOLE   317 0 0
ISHARES MSCI KLD 400 SOCIAL EXCHANGE TRADED FUND - EQUITY 464288570   60,202 690 SH   SOLE   690 0 0
ISHARES DOW JONES US HOME CONSTRUCTION INDEX EXCHANGE TRADED FUND - EQUITY 464288752   45,538 513 SH   SOLE   513 0 0
ISHARES MSCI USA ESG SELECT EXCHANGE TRADED FUND - EQUITY 464288802   193,635 1,994 SH   SOLE   1,994 0 0
ISHARES U.S. MEDICAL DEVICES ETF Exchange Traded Funds - Equity 464288810   5,611 100 SH   SOLE   100 0 0
ISHARES MSCI EAFE GROWTH ETF EXCHANGE TRADED FUND - EQUITY 464288885   74,172 768 SH   SOLE   768 0 0
ISHARES MSCI SINGAPORE ETF EXCHANGE TRADED FUND - EQUITY 46434G780   5,292 264 SH   DFND   264 0 0
ISHARES IBONDS DEC 2023 TERM CORP ETF EXCHANGE TRADED FUND-FIXED INC 46434VAX8   17,108 676 SH   SOLE   676 0 0
ISHARES IBONDS DEC 2025 CORP-EFT EXCHANGE TRADED FUND-FIXED INC 46434VBD1   11,990 490 SH   SOLE   490 0 0
ISHARES IBONDS DEC 2024 CORP EFT EXCHANGE TRADED FUND-FIXED INC 46434VBG4   50,059 2,030 SH   SOLE   2,030 0 0
ISHARES IBONDS DEC 2031 TERM TREASURY ETF EXCHANGE TRADED FUND-FIXED INC 46436E460   29,376 1,440 SH   SOLE   1,440 0 0
ISHARES IBONDS DEC 2031 TERM CORPORATE ETF EXCHANGE TRADED FUND-FIXED INC 46436E486   440,539 21,788 SH   SOLE   21,788 0 0
ISHARES IBONDS DEC 2030 TERM CORP-ETF EXCHANGE TRADED FUND-FIXED INC 46436E726   994 47 SH   SOLE   47 0 0
ISHARES IBONDS DEC 2024 TERM TREASURY ETF EXCHANGE TRADED FUND-FIXED INC 46436E874   11,904 500 SH   SOLE   500 0 0
ISSUER DIRECT CORPORATION INFORMATION TECHNOLOGY 46520M204   6,828 320 SH   SOLE   320 0 0
JPMORGAN CHASE & CO COM FINANCIALS 46625H100   3,563,844 22,562 SH   SOLE   21,572 965 25
JPMORGAN CHASE & CO COM FINANCIALS 46625H100   154,009 975 SH   DFND   945 30 0
JD.COM INC.-ADR CONSUMER DISCRETIONARY 47215P106   2,891 70 SH   SOLE   70 0 0
JOHNSON & JOHNSON HEALTHCARE 478160104   3,884,261 23,186 SH   SOLE   22,048 1,108 30
JOHNSON & JOHNSON HEALTHCARE 478160104   555,524 3,316 SH   DFND   1,385 1,931 0
KELLOGG COMPANY CONSUMER STAPLES 487836108   84,736 1,267 SH   DFND   1,267 0 0
KIMBERLY CLARK CONSUMER STAPLES 494368103   199,717 1,547 SH   SOLE   1,547 0 0
KIMBERLY CLARK CONSUMER STAPLES 494368103   129,100 1,000 SH   DFND   1,000 0 0
KINDER MORGAN INC. ENERGY 49456B101   5,310 300 SH   SOLE   300 0 0
L3HARRIS TECHNOLOGIES INC. COMMON STOCK INDUSTRIALS 502431109   3,789 20 SH   SOLE   20 0 0
LAM RESEARCH CORP COMMON HEALTHCARE 512807108   37,360 52 SH   SOLE   52 0 0
LENNAR COPORATION CLASS A CONSUMER DISCRETIONARY 526057104   62,146 490 SH   SOLE   490 0 0
LENNAR CORPORATION CLASS B CONSUMER DISCRETIONARY 526057302   114 1 SH   SOLE   1 0 0
ELI LILLY & CO HEALTHCARE 532457108   1,800,407 3,961 SH   SOLE   3,961 0 0
ELI LILLY & CO HEALTHCARE 532457108   377,267 830 SH   DFND   750 80 0
LINCOLN ELECTRIC HOLDING INC INDUSTRIALS 533900106   86,304 430 SH   SOLE   430 0 0
LITTELFUSE INC INFORMATION TECHNOLOGY 537008104   15,229 50 SH   SOLE   50 0 0
LOCKHEED MARTIN CORP INDUSTRIALS 539830109   2,303,177 5,160 SH   SOLE   4,840 320 0
LOCKHEED MARTIN CORP INDUSTRIALS 539830109   397,260 890 SH   DFND   890 0 0
LOOMIS SAYLES BOND FUND FIXED INCOME 543495840   92,480 8,084 SH   SOLE   8,084 0 0
LOWES COMPANIES INC CONSUMER DISCRETIONARY 548661107   695,534 2,969 SH   SOLE   2,894 0 75
LOWES COMPANIES INC CONSUMER DISCRETIONARY 548661107   56,224 240 SH   DFND   240 0 0
LULULEMON ATHLETICA INC CONSUMER DISCRETIONARY 550021109   15,140 40 SH   SOLE   40 0 0
MPLX LP ENERGY 55336V100   131,350 3,700 SH   SOLE   3,700 0 0
MANULIFE FINANCIAL FINANCIALS 56501R106   21,340 1,067 SH   SOLE   1,067 0 0
MARATHON PETROLEUM CORPORATION ENERGY 56585A102   168,935 1,270 SH   SOLE   1,270 0 0
MARKEL GROUP INC FINANCIALS 570535104   14,497 10 SH   SOLE   10 0 0
MARRIOTT INTERNATIONAL INC. CLASS A CONSUMER DISCRETIONARY 571903202   13,117 65 SH   SOLE   65 0 0
MASIMO CORPORATION HEALTHCARE 574795100   1,467 12 SH   SOLE   12 0 0
MASONITE INTERNATIONAL CORPORATION INDUSTRIALS 575385109   3,136 30 SH   SOLE   30 0 0
MASTERCARD INC - CLASS A INFORMATION TECHNOLOGY 57636Q104   304,765 773 SH   SOLE   708 65 0
MCCORMICK & CO. CONSUMER STAPLES 579780206   143,168 1,600 SH   SOLE   200 1,400 0
MCDONALDS CORP CONSUMER DISCRETIONARY 580135101   2,872,324 9,797 SH   SOLE   8,997 785 15
MCDONALDS CORP CONSUMER DISCRETIONARY 580135101   720,365 2,457 SH   DFND   1,200 1,257 0
MCKESSON CORPORATION HEALTHCARE 58155Q103   152,102 378 SH   SOLE   378 0 0
MERCADOLIBRE INC INFORMATION TECHNOLOGY 58733R102   22,284 18 SH   SOLE   18 0 0
MERCK & CO., INC HEALTHCARE 58933Y105   1,029,252 9,651 SH   SOLE   9,351 300 0
MERCK & CO., INC HEALTHCARE 58933Y105   201,035 1,885 SH   DFND   1,885 0 0
METLIFE INC FINANCIALS 59156R108   996,273 15,822 SH   SOLE   15,792 0 30
METLIFE INC FINANCIALS 59156R108   80,412 1,277 SH   DFND   1,277 0 0
MICROSOFT CORP INFORMATION TECHNOLOGY 594918104   8,238,795 24,527 SH   SOLE   23,135 1,392 0
MICROSOFT CORP INFORMATION TECHNOLOGY 594918104   179,375 534 SH   DFND   80 454 0
MID-AMERICA APARTMENT COMMUNITIES INC. REAL ESTATE 59522J103   3,741 25 SH   SOLE   25 0 0
MITEK SYSTEMS INC. INFORMATION TECHNOLOGY 606710200   9,189 900 SH   SOLE   900 0 0
MONDELEZ INTERNATIONAL INC CONSUMER STAPLES 609207105   157,893 2,130 SH   SOLE   1,130 1,000 0
MONGODB, INC. INFORMATION TECHNOLOGY 60937P106   37,258 88 SH   SOLE   88 0 0
MORGAN STANLEY FINANCIALS 617446448   522,697 5,709 SH   SOLE   5,709 0 0
NASDAQ STOCK MARKET INC FINANCIALS 631103108   7,573 150 SH   SOLE   150 0 0
NATIONAL FUEL GAS CO. NJ UTILITIES 636180101   14,605 275 SH   SOLE   275 0 0
NETAPP, INC. INFORMATION TECHNOLOGY 64110D104   7,801 100 SH   SOLE   100 0 0
NETFLIX INC INFORMATION TECHNOLOGY 64110L106   449,922 1,025 SH   SOLE   1,025 0 0
NEW JERSEY RESOURCES CORP UTILITIES 646025106   40,766 912 SH   SOLE   912 0 0
NEW RELIC INC INFORMATION TECHNOLOGY 64829B100   5,458 65 SH   SOLE   65 0 0
NEWMONT CORPORATION MATERIALS 651639106   56,297 1,312 SH   SOLE   1,312 0 0
NEXTERA ENERGY INC UTILITIES 65339F101   2,184,662 29,809 SH   SOLE   28,609 1,200 0
NICE LTD - AMERICAN DEPOSITORY SHARES INFORMATION TECHNOLOGY 653656108   6,535 30 SH   SOLE   30 0 0
NIKE, INC CONSUMER DISCRETIONARY 654106103   800,306 7,250 SH   SOLE   7,250 0 0
NORFOLK SOUTHERN CORPORATION INDUSTRIALS 655844108   35,038 150 SH   SOLE   150 0 0
NORTHROP GRUMMAN CORP INDUSTRIALS 666807102   327,075 735 SH   SOLE   735 0 0
NOVARTIS AG - ADR FOREIGN EQUITIES 66987V109   24,127 230 SH   SOLE   100 130 0
NUCOR MATERIALS 670346105   259,855 1,510 SH   SOLE   910 600 0
NUCOR MATERIALS 670346105   137,672 800 SH   DFND   800 0 0
NVIDIA CORP. INFORMATION TECHNOLOGY 67066G104   6,361,976 13,615 SH   SOLE   13,615 0 0
NUVEEN QUALITY MUNICIPAL INCOME FUND MUTUAL FUNDS-NON TAX 67066V101   7,532 669 SH   SOLE   669 0 0
NUVEEN NEW YORK QUALITY MUNICIPAL INCOME FD MUTUAL FUNDS-NON TAX 67066X107   31,233 2,900 SH   SOLE   2,900 0 0
NUVEEN AMT-FREE MUNI CREDIT INCOME FUND MUTUAL FUNDS-NON TAX 67071L106   18,336 1,550 SH   SOLE   1,550 0 0
NUSHARES ETF TR NUVEEN ESG SMLCP EXCHANGE TRADED FUND - EQUITY 67092P607   330,258 8,514 SH   SOLE   8,514 0 0
OCCIDENTAL PETROLEUM CORP ENERGY 674599105   11,047 175 SH   SOLE   175 0 0
ONEOK INC ENERGY 682680103   24,333 363 SH   SOLE   363 0 0
ON24 INC. INFORMATION TECHNOLOGY 68339B104   5,973 675 SH   SOLE   675 0 0
ORACLE CORPORATION INFORMATION TECHNOLOGY 68389X105   968,179 8,259 SH   SOLE   8,259 0 0
ORACLE CORPORATION INFORMATION TECHNOLOGY 68389X105   19,929 170 SH   DFND   0 170 0
OTIS WORLDWIDE CORPORATION INDUSTRIALS 68902V107   197,374 2,170 SH   SOLE   1,820 350 0
OTIS WORLDWIDE CORPORATION INDUSTRIALS 68902V107   47,025 517 SH   DFND   327 190 0
OUTSET MEDICAL INC. HEALTHCARE 690145107   5,759 280 SH   SOLE   280 0 0
PNC FINANCIAL SERVICES GROUP INC FINANCIALS 693475105   46,266 338 SH   SOLE   338 0 0
PPL CORP UTILITIES 69351T106   2,752 100 SH   SOLE   100 0 0
PACER AMERICAN ENERGY INDEPENDENCE ETF ENERGY 69374H634   18,686 670 SH   SOLE   670 0 0
PACIRA BIOSCIENCES, INC HEALTHCARE 695127100   21,804 600 SH   SOLE   600 0 0
PALO ALTO NETWORKS INC INFORMATION TECHNOLOGY 697435105   23,995 96 SH   SOLE   96 0 0
PARKER HANNIFIN CORP MATERIALS 701094104   223,455 545 SH   SOLE   545 0 0
PAYCHEX INC INFORMATION TECHNOLOGY 704326107   11,543 92 SH   SOLE   92 0 0
PELOTON INTERACTIVE INC CLASS A CONSUMER DISCRETIONARY 70614W100   5,728 590 SH   SOLE   590 0 0
PEPSICO INC CONSUMER STAPLES 713448108   3,531,666 18,840 SH   SOLE   18,545 295 0
PEPSICO INC CONSUMER STAPLES 713448108   642,986 3,430 SH   DFND   1,815 1,615 0
PFIZER INC HEALTHCARE 717081103   1,880,237 52,143 SH   SOLE   49,587 2,556 0
PFIZER INC HEALTHCARE 717081103   148,747 4,125 SH   DFND   3,800 325 0
PHILIP MORRIS INTERNATIONAL W/I CONSUMER DISCRETIONARY 718172109   226,061 2,267 SH   SOLE   2,267 0 0
PHILLIPS 66 ENERGY 718546104   1,042,845 9,349 SH   SOLE   9,139 210 0
PHILLIPS 66 ENERGY 718546104   139,995 1,255 SH   DFND   1,255 0 0
PINTEREST INC CL A COMMUNICATION SERVICES 72352L106   26,516 915 SH   SOLE   915 0 0
PLAINS ALL AMERICAN PIPELINE ENERGY 726503105   160,704 10,800 SH   SOLE   10,800 0 0
PLUG POWER INC. INFORMATION TECHNOLOGY 72919P202   19,811 1,510 SH   SOLE   1,510 0 0
POST HOLDINGS INC CONSUMER STAPLES 737446104   4,265 50 SH   SOLE   50 0 0
T ROWE PRICE GROUP INC FINANCIALS 74144T108   46,222 375 SH   SOLE   375 0 0
PROCTER & GAMBLE CO CONSUMER STAPLES 742718109   4,233,806 27,088 SH   SOLE   25,381 1,672 35
PROCTER & GAMBLE CO CONSUMER STAPLES 742718109   692,562 4,431 SH   DFND   2,620 1,811 0
PROLOGIS, INC. REAL ESTATE 74340W103   7,234 58 SH   SOLE   58 0 0
PRUDENTIAL FINANCIAL INC FINANCIALS 744320102   324,859 3,367 SH   SOLE   3,367 0 0
PRUDENTIAL FINANCIAL INC FINANCIALS 744320102   70,437 730 SH   DFND   730 0 0
PUBLIC SERVICE ENTERPRISE GROUP, INC UTILITIES 744573106   9,782 155 SH   SOLE   155 0 0
PUBMATIC INC COM CL A CONSUMER DISCRETIONARY 74467Q103   10,969 549 SH   SOLE   549 0 0
PULTEGROUP, INC INDUSTRIALS 745867101   78,060 925 SH   SOLE   925 0 0
QUALCOMM INC INFORMATION TECHNOLOGY 747525103   1,415,633 10,711 SH   SOLE   10,446 235 30
QUANTA SERVICES INC INDUSTRIALS 74762E102   132,059 655 SH   SOLE   655 0 0
REATA PHARMACEUTICALS INC. HEALTHCARE 75615P103   9,106 55 SH   SOLE   55 0 0
REGENERON PHARMACEUTICALS HEALTHCARE 75886F107   341,256 460 SH   SOLE   460 0 0
REPLIGEN CORPORATION HEALTHCARE 759916109   42,890 250 SH   SOLE   250 0 0
RIMINI STREET INC. INFORMATION TECHNOLOGY 76674Q107   4,256 1,565 SH   SOLE   1,565 0 0
RIO TINTO PLC MATERIALS 767204100   99,810 1,500 SH   SOLE   1,500 0 0
ROBERT HALF INTL INC INDUSTRIALS 770323103   18,537 250 SH   SOLE   250 0 0
ROCHE HOLDING AG HEALTHCARE 771195104   3,986 103 SH   SOLE   103 0 0
ROKU INC CONSUMER DISCRETIONARY 77543R102   9,145 95 SH   SOLE   95 0 0
SPDR S & P 500 ETF TRUST EXCHANGE TRADED FUND - EQUITY 78462F103   21,570,530 47,120 SH   SOLE   47,120 0 0
SPDR S & P 500 ETF TRUST EXCHANGE TRADED FUND - EQUITY 78462F103   1,664,028 3,635 SH   DFND   1,020 2,615 0
SPDR GOLD TRUST MUTUAL FUND 78463V107   244,529 1,341 SH   SOLE   1,341 0 0
SPDR MSCI ACWI CLIMATE PARIS ALIGNED ETF EXCHANGE TRADED FUND - EQUITY 78463X194   13,477 440 SH   SOLE   440 0 0
SPDR NYSE TECHNOLOGY ETF INFORMATION TECHNOLOGY 78464A102   86,118 580 SH   SOLE   580 0 0
SPDR PORTFOLIO TIP ETF EXCHANGE TRADED FUND-FIXED INC 78464A656   29,078 1,131 SH   SOLE   1,131 0 0
SPDR S&P REGIONAL BANKING ETF FINANCIALS 78464A698   13,387 275 SH   SOLE   275 0 0
SPDR S&P DIVIDEND ETF EXCHANGE TRADED FUND - EQUITY 78464A763   349,443 2,755 SH   SOLE   2,755 0 0
SPDR S&P 400 MID CAP VALUE ETF EXCHANGE TRADED FUND - EQUITY 78464A839   14,370 200 SH   SOLE   200 0 0
ETF SPDR S&P BIOTECH HEALTHCARE 78464A870   552,517 6,555 SH   SOLE   6,555 0 0
S&P MIDCAP 400 DEPOSITORY RECEIPTS ETF -W EXCHANGE TRADED FUND - EQUITY 78467Y10W   81,724 164 SH   SOLE   164 0 0
S & P MIDCAP 400 DEPOSITORY RECEIPTS ETF EXCHANGE TRADED FUND - EQUITY 78467Y107   5,225,925 10,487 SH   SOLE   10,435 0 52
S & P MIDCAP 400 DEPOSITORY RECEIPTS ETF EXCHANGE TRADED FUND - EQUITY 78467Y107   223,248 448 SH   DFND   230 218 0
SPDR S&P 500 ESG ETF EXCHANGE TRADED FUND - EQUITY 78468R531   4,454 100 SH   SOLE   100 0 0
SPDR SER TR S&P KENSHO SMART INFORMATION TECHNOLOGY 78468R689   9,304 240 SH   SOLE   240 0 0
SPDR NUVEEN BLOOMBERG BARCLAY MUNICIPAL BOND ETF EXCHANGE TRADED FUND-FIXED INC 78468R721   69,105 1,500 SH   SOLE   1,500 0 0
SPDR MSCI USA GENDER DIVERSITY ETF EXCHANGE TRADED FUND - EQUITY 78468R747   18,896 208 SH   SOLE   208 0 0
SPDR SSGA US LARGE CAP LOW VOLATILITY INDEX ETF EXCHANGE TRADED FUND - EQUITY 78468R804   7,115 50 SH   SOLE   50 0 0
SALESFORCE, INC. INFORMATION TECHNOLOGY 79466L302   324,233 1,441 SH   SOLE   1,441 0 0
SANOFI ADR FOREIGN EQUITIES 80105N105   6,403 120 SH   SOLE   120 0 0
SAP AKTIENGESELLSCHAFT ADR FOREIGN EQUITIES 803054204   12,270 90 SH   SOLE   90 0 0
SCHLUMBERGER LTD ENERGY 806857108   24,852 426 SH   SOLE   426 0 0
SCHLUMBERGER LTD ENERGY 806857108   14,234 244 SH   DFND   0 244 0
SCHWAB U.S. SMALL-CAP ETF EXCHANGE TRADED FUND - EQUITY 808524607   12,075 262 SH   SOLE   262 0 0
SCHWAB FUNDAMENTAL INTERNATIONAL SMALL COMPANY EXCHANGE TRADED FUND - EQUITY 808524748   7,466 215 SH   SOLE   215 0 0
SCWAB FUNDAMENTAL INTERNATIONAL LARGE COMPANY EXCHANGE TRADED FUND - EQUITY 808524755   12,100 361 SH   SOLE   361 0 0
SCHWAB FUNDAMENTAL U.S. SMALL COMPANY INDEX ETF EXCHANGE TRADED FUND - EQUITY 808524763   10,983 205 SH   SOLE   205 0 0
SCHWAB FUNDAMENTAL U.S. LARGE COMPANY INDEX ETF EXCHANGE TRADED FUND - EQUITY 808524771   23,011 385 SH   SOLE   385 0 0
MATERIAL SELECT SECTOR SPDR TRUST MATERIALS 81369Y100   246,872 2,880 SH   SOLE   2,880 0 0
HEALTH CARE SELECT SECTOR SPDR FUND HEALTHCARE 81369Y209   8,316 62 SH   SOLE   62 0 0
CONSUMER STAPLES SELECT SECTOR SPDR FUND CONSUMER STAPLES 81369Y308   63,401 837 SH   SOLE   837 0 0
CONSUMER DISCRETIONARY SELE CT SECTOR SPDR FUND CONSUMER DISCRETIONARY 81369Y407   111,192 640 SH   SOLE   640 0 0
ENERGY SELECT SECTOR SPDR FUND ENERGY 81369Y506   45,483 520 SH   SOLE   520 0 0
FINANCIAL SELECT SECTOR SPDR FUND FINANCIALS 81369Y605   402,823 11,405 SH   SOLE   11,405 0 0
INDUSTRIAL SELECT SECTOR SPDR FUND INDUSTRIALS 81369Y704   98,273 890 SH   SOLE   890 0 0
TECHNOLOGY SELECT SECT SPDR INFORMATION TECHNOLOGY 81369Y803   1,042,275 5,844 SH   SOLE   5,844 0 0
COMMUNICATION SERVICES SELECT SECTOR SPDR FUND COMMUNICATION SERVICES 81369Y852   116,186 1,689 SH   SOLE   1,689 0 0
AMEX UTILITIES SELECT INDEX SHS BEN INT UTILITIES 81369Y886   209,292 3,121 SH   SOLE   3,121 0 0
SEMPRA UTILITIES 816851109   87,175 585 SH   SOLE   585 0 0
SHERWIN WILLIAMS COMPANY CONSUMER DISCRETIONARY 824348106   55,576 201 SH   SOLE   201 0 0
SCHOCKWAVE MEDICAL INC HEALTHCARE 82489T104   33,094 127 SH   SOLE   127 0 0
SIEMENS AG FOREIGN EQUITIES 826197501   14,502 170 SH   SOLE   170 0 0
SIMON PROPERTY GROUP REAL ESTATE 828806109   8,222 66 SH   SOLE   66 0 0
SIX FLAGS ENTERTAINMENT CORPORATION CONSUMER DISCRETIONARY 83001A102   7,525 315 SH   SOLE   315 0 0
SMITH-MIDLAND CORPORATION INDUSTRIALS 832156103   7,887 330 SH   SOLE   330 0 0
J.M. SMUCKER COMPANY CONSUMER STAPLES 832696405   241,942 1,606 SH   SOLE   655 951 0
SNAP-ON INC CONSUMER DISCRETIONARY 833034101   40,593 149 SH   SOLE   149 0 0
SONY GROUP CORP FOREIGN EQUITIES 835699307   14,508 155 SH   SOLE   155 0 0
SOUTHERN CO UTILITIES 842587107   1,036,463 14,328 SH   SOLE   13,713 615 0
SOUTHERN CO UTILITIES 842587107   241,976 3,345 SH   DFND   2,600 745 0
SPECTRUM BRANDS HOLDINGS INCCOMMON STOCK CONSUMER STAPLES 84790A105   784 10 SH   SOLE   10 0 0
SPLUNK INC. ENERGY 848637104   5,416 50 SH   SOLE   50 0 0
STARBUCKS CORPORATION CONSUMER DISCRETIONARY 855244109   354,370 3,489 SH   SOLE   3,489 0 0
STARBUCKS CORPORATION CONSUMER DISCRETIONARY 855244109   9,344 92 SH   DFND   0 92 0
STITCH FIX, INC. - CLASS A CONSUMER DISCRETIONARY 860897107   996 195 SH   SOLE   195 0 0
STRYKER CORP HEALTHCARE 863667101   1,190,833 4,202 SH   SOLE   4,202 0 0
STRYKER CORP HEALTHCARE 863667101   39,676 140 SH   DFND   140 0 0
SUMMIT THERAPEUTICS INC. HEALTHCARE 86627T108   5,225 2,500 SH   SOLE   2,500 0 0
SUNCOR ENERGY INC NEW FOREIGN EQUITIES 867224107   15,019 480 SH   SOLE   480 0 0
SYNOPSYS INC INFORMATION TECHNOLOGY 871607107   9,035 20 SH   SOLE   20 0 0
SYSCO CORPORATION CONSUMER STAPLES 871829107   72,112 945 SH   SOLE   945 0 0
TJX COS INC NEW CONSUMER DISCRETIONARY 872540109   94,402 1,091 SH   SOLE   1,091 0 0
T. ROWE PRICE DIVIDEND GROWTH ETF EXCHANGE TRADED FUND - EQUITY 87283Q404   101,835 2,976 SH   SOLE   2,976 0 0
TAIWAN SEMICONDUCTOR MFG CO LTD ADR FOREIGN EQUITIES 874039100   10,609 107 SH   SOLE   107 0 0
TAKE-TWO INTERACTIVE SOFTWARE, INC. INFORMATION TECHNOLOGY 874054109   17,587 115 SH   SOLE   115 0 0
TARGET CORP CONSUMER DISCRETIONARY 87612E106   634,004 4,646 SH   SOLE   4,474 130 42
TARGET CORP CONSUMER DISCRETIONARY 87612E106   98,531 722 SH   DFND   0 722 0
TELADOC HEALTH INC. HEALTHCARE 87918A105   9,734 327 SH   SOLE   327 0 0
TESLA MOTORS INC CONSUMER DISCRETIONARY 88160R101   1,072,328 4,010 SH   SOLE   4,010 0 0
TEXAS INSTRUMENTS INFORMATION TECHNOLOGY 882508104   54,720 304 SH   SOLE   304 0 0
TEXTRON INC INDUSTRIALS 883203101   5,055 65 SH   SOLE   65 0 0
THE TRADE DESK, INC. INFORMATION TECHNOLOGY 88339J105   73,008 800 SH   SOLE   800 0 0
THERMO FISHER SCIENTIFIC, INC HEALTHCARE 883556102   249,083 454 SH   SOLE   454 0 0
3M CO COM INDUSTRIALS 88579Y101   384,885 3,452 SH   SOLE   2,937 515 0
3M CO COM INDUSTRIALS 88579Y101   87,527 785 SH   DFND   785 0 0
TORO CO INDUSTRIALS 891092108   10,165 100 SH   SOLE   100 0 0
TORONTO-DOMINION BANK NEW FOREIGN EQUITIES 891160509   253,405 3,843 SH   SOLE   3,843 0 0
TOTALENERGIES SE FOREIGN EQUITIES 89151E109   1,217 20 SH   SOLE   20 0 0
TOYOTA MOTOR CORP ADR CONSUMER DISCRETIONARY 892331307   43,741 260 SH   SOLE   260 0 0
TRANSMEDICS GROUP INC. HEALTHCARE 89377M109   42,862 460 SH   SOLE   460 0 0
TRAVELERS COS INC FINANCIALS 89417E109   117,372 680 SH   SOLE   680 0 0
TREX COMPANY INC. INDUSTRIALS 89531P105   18,319 265 SH   SOLE   265 0 0
TWILIO INC. - A INFORMATION TECHNOLOGY 90138F102   7,459 113 SH   SOLE   113 0 0
US BANCORP DEL COM NEW FINANCIALS 902973304   101,101 2,548 SH   SOLE   2,548 0 0
US BANCORP DEL COM NEW FINANCIALS 902973304   793 20 SH   DFND   20 0 0
UNILEVER PLC FOREIGN EQUITIES 904767704   9,132 170 SH   SOLE   0 170 0
UNION PACIFIC CORP INDUSTRIALS 907818108   395,819 1,706 SH   SOLE   1,706 0 0
UNITED PARCEL SERVICE INDUSTRIALS 911312106   482,021 2,576 SH   SOLE   2,576 0 0
UNITEDHEALTH GROUP INC HEALTHCARE 91324P102   1,345,375 2,657 SH   SOLE   2,657 0 0
UPSTART HLDGS INC COM FINANCIALS 91680M107   10,303 150 SH   SOLE   150 0 0
VAIL RESORTS INC. CONSUMER DISCRETIONARY 91879Q109   3,532 15 SH   SOLE   15 0 0
VALERO ENERGY NEW ENERGY 91913Y100   590,649 4,582 SH   SOLE   4,467 115 0
VALERO ENERGY NEW ENERGY 91913Y100   102,096 792 SH   DFND   792 0 0
VANECK SEMICONDUCTOR ETF INFORMATION TECHNOLOGY 92189F676   97,334 606 SH   SOLE   606 0 0
VANGUARD DIVIDEND APPRECIATION INDEX FUND EXCHANGE TRADED FUND - EQUITY 921908844   202,986 1,221 SH   SOLE   1,221 0 0
ETF VANGUARD TOTAL INTL STOCK MUTUAL FUND 921909768   2,039 35 SH   SOLE   35 0 0
VANGUARD ESG INTERNATIONAL STOCK ETF EXCHANGE TRADED FUND - EQUITY 921910725   5,568 101 SH   SOLE   101 0 0
VANGUARD SHORT-TERM BOND ETF EXCHANGE TRADED FUND-FIXED INC 921937827   15,665 207 SH   SOLE   207 0 0
VANGUARD TOTAL BOND MARKET FUND ETF EXCHANGE TRADED FUND-FIXED INC 921937835   425,901 5,881 SH   SOLE   5,881 0 0
VANGUARD FTSE DEVELOPED MARKET ETF MUTUAL FUND 921943858   628,286 13,191 SH   SOLE   13,191 0 0
VANGUARD UTILITIES ETF UTILITIES 92204A876   11,646 80 SH   SOLE   80 0 0
VANGUARD FTSE ALL-WLD EX-US SMCP IDX ETF EXCHANGE TRADED FUND - EQUITY 922042718   3,130 27 SH   SOLE   27 0 0
VANGUARD MSCI EMERGING MARKETS ETF EXCHANGE TRADED FUND - EQUITY 922042858   165,993 3,855 SH   SOLE   3,855 0 0
VANGUARD MSCI EMERGING MARKETS ETF EXCHANGE TRADED FUND - EQUITY 922042858   49,949 1,160 SH   DFND   910 250 0
ETF VANGUARD RUSSELL 3000 EXCHANGE TRADED FUND - EQUITY 92206C599   1,331,681 6,503 SH   SOLE   6,503 0 0
ETF VANGUARD RUSSELL 3000 EXCHANGE TRADED FUND - EQUITY 92206C599   262,118 1,280 SH   DFND   1,280 0 0
ETF VANGUARD RUSSELL 2000 EXCHANGE TRADED FUND - EQUITY 92206C664   95,808 1,193 SH   SOLE   1,193 0 0
VAREX IMAGING CORP HEALTHCARE 92214X106   931 40 SH   SOLE   40 0 0
VANGUARD REAL ESTATE ETF REAL ESTATE 922908553   29,841 350 SH   SOLE   250 100 0
VANGUARD MID-CAP ETF EXCHANGE TRADED FUND - EQUITY 922908629   1,367,520 6,000 SH   SOLE   6,000 0 0
VANGUARD GROWTH ETF EXCHANGE TRADED FUND - EQUITY 922908736   1,301,402 4,450 SH   SOLE   4,450 0 0
VANGUARD VALUE ETF EXCHANGE TRADED FUND - EQUITY 922908744   53,658 365 SH   SOLE   365 0 0
VANGUARD SMALL CAP ETF EXCHANGE TRADED FUND - EQUITY 922908751   10,646 51 SH   SOLE   51 0 0
VANGUARD TOTAL STOCK MARKET ETF EXCHANGE TRADED FUND - EQUITY 922908769   1,012,501 4,434 SH   SOLE   4,434 0 0
VERIZON COMMUNICATIONS INC COMMUNICATION SERVICES 92343V104   1,341,237 39,369 SH   SOLE   37,913 1,456 0
VERIZON COMMUNICATIONS INC COMMUNICATION SERVICES 92343V104   183,088 5,374 SH   DFND   3,587 1,787 0
VERISK ANALYTICS INC INDUSTRIALS 92345Y106   24,038 105 SH   SOLE   105 0 0
VERTEX PHARMACEUTICALS INC HEALTHCARE 92532F100   196,235 557 SH   SOLE   557 0 0
VISA INC - CLASS A SHARES INFORMATION TECHNOLOGY 92826C839   1,263,275 5,314 SH   SOLE   5,214 100 0
VMWARE INC INFORMATION TECHNOLOGY 928563402   12,452 79 SH   SOLE   79 0 0
VONTIER CORPORATION INDUSTRIALS 928881101   1,237 40 SH   DFND   40 0 0
WALMART INC CONSUMER STAPLES 931142103   1,226,413 7,672 SH   SOLE   7,392 280 0
WALMART INC CONSUMER STAPLES 931142103   19,982 125 SH   DFND   125 0 0
WASTE MANAGEMENT INC NEW INDUSTRIALS 94106L109   1,586,435 9,686 SH   SOLE   8,731 955 0
WASTE MANAGEMENT INC NEW INDUSTRIALS 94106L109   214,563 1,310 SH   DFND   880 430 0
WAYFAIR INC CL A CONSUMER DISCRETIONARY 94419L101   7,787 100 SH   SOLE   100 0 0
WELLS FARGO & CO NEW FINANCIALS 949746101   49,794 1,079 SH   SOLE   859 220 0
WELLS FARGO & CO NEW FINANCIALS 949746101   32,304 700 SH   DFND   700 0 0
WHERE FOOD COMES FROM INC. INDUSTRIALS 96327X200   9,807 700 SH   SOLE   700 0 0
WHIRLPOOL CORP CONSUMER DISCRETIONARY 963320106   2,885 20 SH   SOLE   20 0 0
THE WILLIAMS CO. INC. ENERGY 969457100   180,786 5,248 SH   SOLE   5,248 0 0
THE WILLIAMS CO. INC. ENERGY 969457100   106,795 3,100 SH   DFND   3,100 0 0
WISDOMTREE INC FINANCIALS 97717P104   4,176 600 SH   SOLE   600 0 0
XCEL ENERGY INC UTILITIES 98389B100   37,122 592 SH   SOLE   592 0 0
YUM BRANDS INC. CONSUMER DISCRETIONARY 988498101   24,779 180 SH   SOLE   180 0 0
YUM BRANDS INC. CONSUMER DISCRETIONARY 988498101   82,602 600 SH   DFND   0 600 0
ZEBRA TECHNOLOGIES CORP CLASS A INFORMATION TECHNOLOGY 989207105   24,636 80 SH   SOLE   80 0 0
ZIMMER HOLDINGS INC. HEALTHCARE 98956P102   69,075 500 SH   SOLE   0 500 0
ZOETIS INC HEALTHCARE 98978V103   11,285 60 SH   SOLE   60 0 0
ZUORA INC INFORMATION TECHNOLOGY 98983V106   5,794 494 SH   SOLE   494 0 0