The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ATLASSIAN CORPORATION PLC - CLASS A FOREIGN EQUITIES G06242104 18 100 SH   SOLE   100 0 0
ACCENTURE PLC INFORMATION TECHNOLOGY G1151C101 715 3,179 SH   SOLE   3,179 0 0
EATON CORP PLC INDUSTRIALS G29183103 14 150 SH   SOLE   150 0 0
NORWEGIAN CRUISE LINE HOLDINGS LTD CONSUMER DISCRETIONARY G66721104 1 100 SH   SOLE   100 0 0
NOVOCURE LIMITED HEALTHCARE G6674U108 8 100 SH   SOLE   100 0 0
WIX.COM LTD INFORMATION TECHNOLOGY M98068105 15 53 SH   SOLE   53 0 0
ASML HOLDING N V N Y REGISTRY SHS FOREIGN EQUITIES N07059210 11 30 SH   SOLE   30 0 0
AFLAC INC. FINANCIALS 001055102 9 250 SH   DFND   0 250 0
AT&T INC. COMMUNICATION SERVICES 00206R102 1,324 44,762 SH   SOLE   41,264 3,438 60
AT&T INC. COMMUNICATION SERVICES 00206R102 206 6,982 SH   DFND   4,910 2,072 0
ABBOTT LABS HEALTHCARE 002824100 550 5,462 SH   SOLE   5,062 400 0
ABBOTT LABS HEALTHCARE 002824100 222 2,205 SH   DFND   1,000 1,205 0
ABBVIE INC. HEALTHCARE 00287Y109 1,045 11,012 SH   SOLE   10,517 495 0
ABBVIE INC. HEALTHCARE 00287Y109 234 2,465 SH   DFND   1,250 1,215 0
ABIOMED INC HEALTHCARE 003654100 3 10 SH   SOLE   10 0 0
ACTIVISION BLIZZARD, INC. INFORMATION TECHNOLOGY 00507V109 118 1,430 SH   SOLE   1,430 0 0
ADOBE INC INFORMATION TECHNOLOGY 00724F101 191 429 SH   SOLE   429 0 0
ADVANCED MICRO DEVICES INC INFORMATION TECHNOLOGY 007903107 23 300 SH   SOLE   300 0 0
ADVANCED MICRO DEVICES INC INFORMATION TECHNOLOGY 007903107 8 100 SH   DFND   0 0 100
INVESCO INTERNATIONAL GROWTH FUND MUTUAL FUND 008882532 2 71 SH   SOLE   71 0 0
ALCOA CORP MATERIALS 013872106 0 5 SH   SOLE   5 0 0
ALIGN TECHNOLOGY INC. HEALTHCARE 016255101 3 10 SH   SOLE   10 0 0
ALLEGHENY TECHNOLOGIES, INC INDUSTRIALS 01741R102 0 20 SH   SOLE   20 0 0
ALLSTATE CORP FINANCIALS 020002101 104 1,100 SH   SOLE   800 300 0
ALTRIA GROUP, INC. CONSUMER STAPLES 02209S103 118 2,863 SH   SOLE   2,863 0 0
AMAZON. COM, INC CONSUMER DISCRETIONARY 023135106 5,320 1,681 SH   SOLE   1,671 10 0
AMAZON. COM, INC CONSUMER DISCRETIONARY 023135106 32 10 SH   DFND   10 0 0
AMERICAN ELEC PWR INC UTILITIES 025537101 5 52 SH   SOLE   52 0 0
AMERICAN EXPRESS FINANCIALS 025816109 175 1,880 SH   SOLE   1,843 0 37
AMERICAN EXPRESS FINANCIALS 025816109 28 300 SH   DFND   0 300 0
AMERICAN INTERNATIONAL GROUP INC FINANCIALS 026874784 5 159 SH   SOLE   159 0 0
AMERICAN TOWER CORPORATION COMMUNICATION SERVICES 03027X100 653 2,499 SH   SOLE   2,499 0 0
AMERICAN WATER WORKS INC. CONSUMER DISCRETIONARY 030420103 3 20 SH   SOLE   20 0 0
AMGEN INCORPORATED HEALTHCARE 031162100 279 1,142 SH   SOLE   1,142 0 0
AMGEN INCORPORATED HEALTHCARE 031162100 29 120 SH   DFND   120 0 0
APPIAN CORPORATION INFORMATION TECHNOLOGY 03782L101 10 200 SH   SOLE   200 0 0
APPLE INC INFORMATION TECHNOLOGY 037833100 8,056 18,953 SH   SOLE   18,583 350 20
APPLE INC INFORMATION TECHNOLOGY 037833100 289 680 SH   DFND   640 40 0
APPLE HOSPITALTIY REIT INC COMMON SHARES REAL ESTATE 03784Y200 1 161 SH   SOLE   161 0 0
APPLIED MATL INC INFORMATION TECHNOLOGY 038222105 181 2,816 SH   SOLE   2,816 0 0
ARISTA NETWORKS INC. INFORMATION TECHNOLOGY 040413106 16 60 SH   SOLE   60 0 0
ARROW FINANCIAL CORPORATION FINANCIALS 042744102 72 2,644 SH   SOLE   2,644 0 0
ASTRAZENECA PLC - ADR HEALTHCARE 046353108 26 475 SH   SOLE   475 0 0
AUTOMATIC DATA PROCESSING INC INFORMATION TECHNOLOGY 053015103 496 3,733 SH   SOLE   3,433 300 0
AUTOMATIC DATA PROCESSING INC INFORMATION TECHNOLOGY 053015103 284 2,140 SH   DFND   1,210 930 0
BP P.L.C. ENERGY 055622104 73 3,328 SH   SOLE   3,328 0 0
BP PRUDHOE BAY ROYALTY TRUST ENERGY 055630107 0 100 SH   SOLE   100 0 0
BAIDU INC - SPON ADR INFORMATION TECHNOLOGY 056752108 3 27 SH   SOLE   27 0 0
BANK OF AMERICA CORP FINANCIALS 060505104 364 14,639 SH   SOLE   14,639 0 0
BANK OF NEW YORK MELLON CORP FINANCIALS 064058100 35 990 SH   SOLE   990 0 0
BAOUZUN INC-SPN ADR FOREIGN EQUITIES 06684L103 3 75 SH   SOLE   75 0 0
BARRICK GOLD CORP MATERIALS 067901108 4 135 SH   SOLE   135 0 0
BAXTER INTERNATIONAL INC. HEALTHCARE 071813109 86 1,000 SH   SOLE   1,000 0 0
BECTON DICKINSON & CO HEALTHCARE 075887109 731 2,600 SH   SOLE   2,365 235 0
BERKSHIRE HATHAWAY INC. DEL CLASS B FINANCIALS 084670702 1,440 7,354 SH   SOLE   7,354 0 0
BERKSHIRE HATHAWAY INC. DEL CLASS B FINANCIALS 084670702 24 122 SH   DFND   0 122 0
BIOGEN INC HEALTHCARE 09062X103 2 8 SH   SOLE   8 0 0
BIONTECH SE SPONSORED ADS FOREIGN EQUITIES 09075V102 4 50 SH   SOLE   50 0 0
BLACKROCK INC FINANCIALS 09247X101 573 997 SH   SOLE   997 0 0
BLACKROCK INC FINANCIALS 09247X101 9 15 SH   DFND   0 15 0
BOEING INDUSTRIALS 097023105 285 1,804 SH   SOLE   1,749 30 25
BOEING INDUSTRIALS 097023105 145 915 SH   DFND   500 415 0
BRISTOL MYERS SQUIBB CO HEALTHCARE 110122108 1,260 21,491 SH   SOLE   19,491 2,000 0
BRISTOL MYERS SQUIBB CO HEALTHCARE 110122108 258 4,405 SH   DFND   3,000 1,405 0
CBOE GLOBAL MARKETS, INC. FINANCIALS 12503M108 9 100 SH   SOLE   100 0 0
CME GROUP INC. FINANCIALS 12572Q105 4 23 SH   SOLE   23 0 0
CSX CORPORATION INDUSTRIALS 126408103 595 8,335 SH   SOLE   8,335 0 0
CSX CORPORATION INDUSTRIALS 126408103 86 1,200 SH   DFND   1,200 0 0
CVS HEALTH CORP CONSUMER STAPLES 126650100 620 9,860 SH   SOLE   9,860 0 0
CANADIAN NATIONAL RAILWAY CO FOREIGN EQUITIES 136375102 4 40 SH   SOLE   40 0 0
CANADIAN PACIFIC RAILWAY LTD FOREIGN EQUITIES 13645T100 54 198 SH   SOLE   198 0 0
CAPITAL ONE FINANCIAL CORP FINANCIALS 14040H105 6 90 SH   SOLE   90 0 0
CARRIER GLOBAL CORPORATION INDUSTRIALS 14448C104 276 10,123 SH   SOLE   9,423 700 0
CARRIER GLOBAL CORPORATION INDUSTRIALS 14448C104 62 2,265 SH   DFND   1,655 610 0
CASEY'S GENERAL STORES INC CONSUMER DISCRETIONARY 147528103 11 70 SH   SOLE   70 0 0
CATERPILLAR INC INDUSTRIALS 149123101 872 6,559 SH   SOLE   6,464 70 25
CATERPILLAR INC INDUSTRIALS 149123101 274 2,060 SH   DFND   1,525 535 0
CENTERPOINT ENERGY, INC UTILITIES 15189T107 23 1,200 SH   SOLE   1,200 0 0
CENTERPOINT ENERGY, INC UTILITIES 15189T107 95 5,000 SH   DFND   5,000 0 0
CHARTER COMMUNICATIONS,INC-A COMMUNICATION SERVICES 16119P108 28 49 SH   SOLE   49 0 0
CHEVRON CORPORATION ENERGY 166764100 926 11,031 SH   SOLE   10,613 418 0
CHEVRON CORPORATION ENERGY 166764100 149 1,775 SH   DFND   1,195 580 0
CISCO SYSTEMS INC. INFORMATION TECHNOLOGY 17275R102 1,268 26,929 SH   SOLE   26,364 500 65
CISCO SYSTEMS INC. INFORMATION TECHNOLOGY 17275R102 61 1,305 SH   DFND   30 1,275 0
CIRRUS LOGIC INC INFORMATION TECHNOLOGY 172755100 7 100 SH   SOLE   100 0 0
CITIGROUP INC. FINANCIALS 172967424 29 588 SH   SOLE   588 0 0
CLOROX COMPANY CONSUMER STAPLES 189054109 77 325 SH   SOLE   325 0 0
CLOROX COMPANY CONSUMER STAPLES 189054109 47 200 SH   DFND   0 200 0
CLOUD PEAK ENERGY INC. ENERGY 18911Q102 0 175 SH   SOLE   175 0 0
COCA COLA CO CONSUMER STAPLES 191216100 1,024 21,669 SH   SOLE   19,114 2,555 0
COCA COLA CO CONSUMER STAPLES 191216100 227 4,815 SH   DFND   3,680 1,135 0
COGNIZANT TECHNOLOGY SOLUTIONS CORP INFORMATION TECHNOLOGY 192446102 7 100 SH   SOLE   100 0 0
COHERENT INC. INFORMATION TECHNOLOGY 192479103 1 8 SH   SOLE   8 0 0
COLGATE PALMOLIVE CONSUMER STAPLES 194162103 803 10,401 SH   SOLE   10,366 0 35
COLGATE PALMOLIVE CONSUMER STAPLES 194162103 142 1,844 SH   DFND   1,624 220 0
COMCAST CORP NEW CL A CONSUMER DISCRETIONARY 20030N101 124 2,887 SH   SOLE   2,887 0 0
CONOCOPHILLIPS ENERGY 20825C104 423 11,308 SH   SOLE   11,048 260 0
CONOCOPHILLIPS ENERGY 20825C104 72 1,930 SH   DFND   1,810 120 0
CONSOLIDATED EDISON INC UTILITIES 209115104 35 460 SH   SOLE   460 0 0
CORNING INC INFORMATION TECHNOLOGY 219350105 399 12,875 SH   SOLE   12,875 0 0
COSTCO WHSL CORP NEW CONSUMER STAPLES 22160K105 455 1,397 SH   SOLE   1,397 0 0
CRACKER BARREL OLD COUNTRY CONSUMER DISCRETIONARY 22410J106 4 35 SH   SOLE   35 0 0
CRONOS GROUP, INC. FOREIGN EQUITIES 22717L101 1 160 SH   SOLE   160 0 0
CUMMINS INC INDUSTRIALS 231021106 161 832 SH   SOLE   832 0 0
CUMMINS INC INDUSTRIALS 231021106 21 110 SH   DFND   110 0 0
DNP SELECT INCOME FUND INC FIXED INCOME 23325P104 16 1,500 SH   SOLE   1,500 0 0
DTE ENERGY CO UTILITIES 233331107 48 415 SH   SOLE   415 0 0
DANAHER CORP HEALTHCARE 235851102 529 2,595 SH   SOLE   2,595 0 0
DANAHER CORP HEALTHCARE 235851102 178 875 SH   DFND   500 375 0
DATADOG INC CLASS A INFORMATION TECHNOLOGY 23804L103 22 235 SH   SOLE   235 0 0
DEERE & CO (JOHN DEERE) INDUSTRIALS 244199105 263 1,490 SH   SOLE   1,280 210 0
DELTA AIR LINES INC CONSUMER DISCRETIONARY 247361702 19 775 SH   SOLE   775 0 0
DENTSPLY SIRONA INC CONSUMER DISCRETIONARY 24906P109 17 380 SH   SOLE   380 0 0
DIAGEO PLC CONSUMER DISCRETIONARY 25243Q205 20 134 SH   SOLE   134 0 0
DISNEY (WALT) COMPANY HOLDING CO CONSUMER DISCRETIONARY 254687106 1,425 12,189 SH   SOLE   12,164 0 25
DISNEY (WALT) COMPANY HOLDING CO CONSUMER DISCRETIONARY 254687106 153 1,308 SH   DFND   220 1,088 0
DISCOVER FINANCIAL SERVICES FINANCIALS 254709108 22 440 SH   SOLE   440 0 0
DOCUSIGN INC INFORMATION TECHNOLOGY 256163106 35 160 SH   SOLE   160 0 0
DOLLAR GENERAL CORP CONSUMER DISCRETIONARY 256677105 29 150 SH   SOLE   150 0 0
DOMINION ENERGY, INC. UTILITIES 25746U109 276 3,408 SH   SOLE   3,318 90 0
DOMINION ENERGY, INC. UTILITIES 25746U109 51 635 SH   DFND   635 0 0
DOMINO'S PIZZA INC CONSUMER DISCRETIONARY 25754A201 25 65 SH   SOLE   65 0 0
DOW INC. MATERIALS 260557103 123 2,987 SH   SOLE   2,320 667 0
DOW INC. MATERIALS 260557103 3 85 SH   DFND   0 85 0
DUKE ENERGY CORPORATION NEW ENERGY 26441C204 132 1,560 SH   SOLE   1,560 0 0
ECA MARCELLUS TRUST I ENERGY 26827L109 0 773 SH   SOLE   773 0 0
EOG RESOURCES INC ENERGY 26875P101 5 97 SH   SOLE   97 0 0
EBAY INC CONSUMER DISCRETIONARY 278642103 17 307 SH   SOLE   307 0 0
ELECTRONIC ARTS INC INFORMATION TECHNOLOGY 285512109 8 55 SH   SOLE   55 0 0
EMERSON ELECTRIC INDUSTRIALS 291011104 282 4,543 SH   SOLE   3,063 1,480 0
EMERSON ELECTRIC INDUSTRIALS 291011104 168 2,715 SH   DFND   1,000 1,715 0
ENBRIDGE INC ENERGY 29250N105 20 628 SH   SOLE   628 0 0
ENTERGY CORPORATION UTILITIES 29364G103 84 800 SH   DFND   800 0 0
ENTERPRISE PRODUCTS PARTNERS L.P. ENERGY 293792107 92 5,227 SH   SOLE   5,227 0 0
EQUITY RESIDENTIAL SHARES OF BENEFICIAL INT FINANCIALS 29476L107 3 50 SH   SOLE   50 0 0
ESPEY MFG. & ELECTRONICS CORP INDUSTRIALS 296650104 108 5,797 SH   SOLE   5,797 0 0
ESPEY MFG. & ELECTRONICS CORP INDUSTRIALS 296650104 4 193 SH   DFND   93 0 100
ETSY INC CONSUMER DISCRETIONARY 29786A106 12 100 SH   SOLE   100 0 0
EXELON CORP UTILITIES 30161N101 31 815 SH   SOLE   540 275 0
EXELON CORP UTILITIES 30161N101 42 1,090 SH   DFND   1,090 0 0
EXXON MOBIL CORP ENERGY 30231G102 967 22,983 SH   SOLE   17,816 5,130 37
EXXON MOBIL CORP ENERGY 30231G102 212 5,038 SH   DFND   1,984 3,054 0
FACEBOOK INC INFORMATION TECHNOLOGY 30303M102 1,337 5,270 SH   SOLE   5,165 105 0
FACEBOOK INC INFORMATION TECHNOLOGY 30303M102 18 70 SH   DFND   70 0 0
FAIR ISAAC CORPORATION INFORMATION TECHNOLOGY 303250104 7 15 SH   SOLE   15 0 0
FASTLY INC CLASS A INFORMATION TECHNOLOGY 31188V100 30 310 SH   SOLE   310 0 0
FEDEX CORPORATION INDUSTRIALS 31428X106 26 152 SH   SOLE   152 0 0
FEDEX CORPORATION INDUSTRIALS 31428X106 21 125 SH   DFND   125 0 0
FIDELITY MSCI INFORMATION TECHNOLOGY INDEX ETF INFORMATION TECHNOLOGY 316092808 184 2,115 SH   SOLE   2,115 0 0
FIFTH THIRD BANCORP FINANCIALS 316773100 13 675 SH   SOLE   675 0 0
FIRST TRUST NASDAQ CLEAN EDGE GREEN ENERGY ETF Exchange Traded Funds - Equity 33733E500 52 1,485 SH   SOLE   1,485 0 0
FIRST TRUST NEW OPPORTUNITIES MLP ENERGY 33739M100 20 4,987 SH   SOLE   4,987 0 0
FIRSTENERGY CORP UTILITIES 337932107 9 308 SH   SOLE   308 0 0
FORD MOTOR CO DEL CONSUMER DISCRETIONARY 345370860 83 12,530 SH   SOLE   12,530 0 0
FORTIVE CORPORATION INFORMATION TECHNOLOGY 34959J108 20 287 SH   DFND   100 187 0
FRANKLIN RESOURCES, INC. FINANCIALS 354613101 3 150 SH   SOLE   150 0 0
FRESHPET INC CONSUMER STAPLES 358039105 7 75 SH   SOLE   75 0 0
GENERAL DYNAMICS CORPORATION INDUSTRIALS 369550108 287 1,954 SH   SOLE   1,954 0 0
GENERAL DYNAMICS CORPORATION INDUSTRIALS 369550108 10 65 SH   DFND   65 0 0
GENERAL ELECTRIC CO INDUSTRIALS 369604103 163 26,777 SH   SOLE   18,077 8,700 0
GENERAL ELECTRIC CO INDUSTRIALS 369604103 1 100 SH   DFND   0 0 100
GENERAL MILLS, INC CONSUMER STAPLES 370334104 107 1,695 SH   SOLE   1,095 600 0
GENERAL MILLS, INC CONSUMER STAPLES 370334104 89 1,400 SH   DFND   1,400 0 0
GILEAD SCIENCES, INC. HEALTHCARE 375558103 185 2,660 SH   SOLE   2,660 0 0
GILEAD SCIENCES, INC. HEALTHCARE 375558103 10 150 SH   DFND   0 150 0
GLADSTONE COMMERCIAL CORP CONSUMER DISCRETIONARY 376536108 20 1,100 SH   SOLE   1,100 0 0
GLAXO SMITHKLINE PLC SPON ADR HEALTHCARE 37733W105 29 730 SH   SOLE   560 170 0
GLAXO SMITHKLINE PLC SPON ADR HEALTHCARE 37733W105 16 400 SH   DFND   400 0 0
GOLDMAN SACHS GROUP INC FINANCIALS 38141G104 20 100 SH   SOLE   100 0 0
GUARDANT HEALTH INC. HEALTHCARE 40131M109 10 115 SH   SOLE   115 0 0
HSBC HOLDINGS PLC SPONS ADRS FINANCIALS 404280406 14 607 SH   SOLE   607 0 0
HALLIBURTON COMPANY ENERGY 406216101 5 320 SH   SOLE   320 0 0
HARLEY DAVIDSON CONSUMER DISCRETIONARY 412822108 8 310 SH   SOLE   310 0 0
HELMERICH & PAYNE, INC. ENERGY 423452101 11 620 SH   SOLE   620 0 0
THE HERSHEY COMPANY CONSUMER STAPLES 427866108 29 200 SH   SOLE   200 0 0
HOME DEPOT INC CONSUMER DISCRETIONARY 437076102 1,943 7,320 SH   SOLE   6,265 1,055 0
HOME DEPOT INC CONSUMER DISCRETIONARY 437076102 473 1,780 SH   DFND   1,000 780 0
HONEYWELL INTERNATIONAL INC INDUSTRIALS 438516106 132 886 SH   SOLE   886 0 0
HOWMET AEROSPACE INC. INDUSTRIALS 443201108 0 16 SH   SOLE   16 0 0
HUBSPOT INC. INFORMATION TECHNOLOGY 443573100 32 135 SH   SOLE   135 0 0
ILLINOIS TOOL WORKS INC. INDUSTRIALS 452308109 156 842 SH   SOLE   842 0 0
INTEL CORP INFORMATION TECHNOLOGY 458140100 2,151 45,080 SH   SOLE   42,165 2,850 65
INTEL CORP INFORMATION TECHNOLOGY 458140100 394 8,264 SH   DFND   5,949 2,315 0
INTERACTIVE BROKERS GRO-CL A FINANCIALS 45841N107 12 250 SH   SOLE   250 0 0
INTL BUSINESS MACHINES INFORMATION TECHNOLOGY 459200101 493 4,013 SH   SOLE   3,933 80 0
INTL BUSINESS MACHINES INFORMATION TECHNOLOGY 459200101 181 1,472 SH   DFND   500 972 0
INTERNATIONAL PAPER CO MATERIALS 460146103 36 1,042 SH   SOLE   1,007 0 35
INTUITIVE SURGICAL INC HEALTHCARE 46120E602 14 20 SH   SOLE   20 0 0
INVESCO GLOBAL WATER ETF Exchange Traded Funds - Equity 46138E651 46 1,500 SH   SOLE   1,500 0 0
IQIYI, INC. - ADR INFORMATION TECHNOLOGY 46267X108 2 100 SH   SOLE   100 0 0
IROBOT CORPORATION INDUSTRIALS 462726100 2 30 SH   SOLE   30 0 0
ETF ISHARES SILVER TR MUTUAL FUND 46428Q109 86 3,810 SH   SOLE   3,810 0 0
ISHARES GOLD TRUST Exchange Traded Funds - Equity 464285105 44 2,321 SH   SOLE   2,321 0 0
ISHARES MSCI AUSTRALIA ETF MUTUAL FUND 464286103 6 300 SH   DFND   300 0 0
ISHARES MSCI CANADA ETF MUTUAL FUND 464286509 7 250 SH   DFND   250 0 0
ISHARES MSCI HONG KONG ETF MUTUAL FUND 464286871 2 100 SH   SOLE   100 0 0
ISHARES S & P 100 ETF MUTUAL FUND 464287101 1,114 7,405 SH   SOLE   7,405 0 0
ISHARES SELECT DIVIDEND ETF MUTUAL FUND 464287168 117 1,410 SH   SOLE   1,410 0 0
ISHARES TIPS BOND ETF FIXED INCOME 464287176 6,448 51,234 SH   SOLE   50,749 0 485
ISHARES TIPS BOND ETF FIXED INCOME 464287176 821 6,527 SH   DFND   5,985 542 0
ISHARES CHINA LARGE CAP ETF MUTUAL FUND 464287184 5 115 SH   DFND   0 115 0
ISHARES CORE TOTAL US AGGREGATE BOND ETF FIXED INCOME 464287226 6,286 52,574 SH   SOLE   52,574 0 0
ISHARES MSCI EMERGING MARKETS ETF Exchange Traded Funds - Equity 464287234 15 340 SH   SOLE   340 0 0
ISHARES S&P 500 GROWTH ETF Exchange Traded Funds - Equity 464287309 7 31 SH   SOLE   31 0 0
ISHARES MSCI EAFE ETF FUND MUTUAL FUND 464287465 450 7,257 SH   SOLE   7,170 0 87
ISHARES MSCI EAFE ETF FUND MUTUAL FUND 464287465 40 650 SH   DFND   0 650 0
ISHARES RUSSELL MIDCAP ETF Exchange Traded Funds - Equity 464287499 136 2,387 SH   SOLE   2,387 0 0
ISHARES CORE S&P MID CAP ETF Exchange Traded Funds - Equity 464287507 88 471 SH   SOLE   471 0 0
ISHARES RUSSELL 1000 VALUE INDEX FUND MUTUAL FUND 464287598 9 76 SH   SOLE   76 0 0
ISHARES RUSSELL 1000 GROWTH ETF MUTUAL FUND 464287614 476 2,300 SH   SOLE   2,300 0 0
ISHARES RUSSELL 2000 GROWTH ETF Exchange Traded Funds - Equity 464287648 109 510 SH   SOLE   510 0 0
ISHARES RUSSELL 2000 ETF Exchange Traded Funds - Equity 464287655 118 803 SH   SOLE   803 0 0
ISHARES CORE S&P SMALL-CAP ETF MUTUAL FUND 464287804 2,691 37,793 SH   SOLE   37,713 0 80
ISHARES CORE S&P SMALL-CAP ETF MUTUAL FUND 464287804 113 1,583 SH   DFND   540 1,043 0
ETF ISHARES GLOBAL CLEAN ENERGY Exchange Traded Funds - Equity 464288224 57 3,953 SH   SOLE   3,953 0 0
ISHARES MSCI KLD 400 SOCIAL MUTUAL FUND 464288570 41 330 SH   SOLE   330 0 0
ISHARES DOW JONES US HOME CONSTRUCTION INDEX Exchange Traded Funds - Equity 464288752 31 605 SH   SOLE   605 0 0
ISHARES MSCI USA ESG SELECT MUTUAL FUND 464288802 43 300 SH   SOLE   300 0 0
ISHARES MSCI SINGAPORE ETF Exchange Traded Funds - Equity 46434G780 5 264 SH   DFND   264 0 0
JPMORGAN CHASE & CO COM FINANCIALS 46625H100 1,701 17,602 SH   SOLE   16,512 1,065 25
JPMORGAN CHASE & CO COM FINANCIALS 46625H100 94 975 SH   DFND   945 30 0
JD.COM INC.-ADR CONSUMER DISCRETIONARY 47215P106 4 70 SH   SOLE   70 0 0
JOHNSON & JOHNSON HEALTHCARE 478160104 3,020 20,718 SH   SOLE   19,538 1,150 30
JOHNSON & JOHNSON HEALTHCARE 478160104 501 3,440 SH   DFND   1,385 2,055 0
KELLOGG COMPANY CONSUMER STAPLES 487836108 14 200 SH   DFND   200 0 0
KEYCORP NEW COM FINANCIALS 493267108 7 542 SH   SOLE   542 0 0
KIMBERLY CLARK CONSUMER STAPLES 494368103 203 1,332 SH   SOLE   1,262 70 0
KIMBERLY CLARK CONSUMER STAPLES 494368103 152 1,000 SH   DFND   1,000 0 0
LAM RESEARCH CORP COMMON HEALTHCARE 512807108 9 25 SH   SOLE   25 0 0
ELI LILLY & CO HEALTHCARE 532457108 474 3,157 SH   SOLE   3,157 0 0
ELI LILLY & CO HEALTHCARE 532457108 360 2,395 SH   DFND   2,250 145 0
LITTELFUSE INC INFORMATION TECHNOLOGY 537008104 9 50 SH   SOLE   50 0 0
LOCKHEED MARTIN CORP INDUSTRIALS 539830109 1,570 4,144 SH   SOLE   3,824 320 0
LOCKHEED MARTIN CORP INDUSTRIALS 539830109 356 940 SH   DFND   940 0 0
LOWES COMPANIES INC CONSUMER DISCRETIONARY 548661107 407 2,733 SH   SOLE   2,658 0 75
LOWES COMPANIES INC CONSUMER DISCRETIONARY 548661107 73 490 SH   DFND   490 0 0
LULULEMON ATHLETICA INC CONSUMER DISCRETIONARY 550021109 13 40 SH   SOLE   40 0 0
MANULIFE FINANCIAL FINANCIALS 56501R106 9 645 SH   SOLE   645 0 0
MARATHON PETROLEUM CORPORATION ENERGY 56585A102 93 2,442 SH   SOLE   2,442 0 0
MARKEL CORP HOLDING COMPANY FINANCIALS 570535104 10 10 SH   SOLE   10 0 0
MASIMO CORPORATION HEALTHCARE 574795100 3 12 SH   SOLE   12 0 0
MASTERCARD INC - CLASS A FINANCIALS 57636Q104 205 664 SH   SOLE   599 65 0
MCCORMICK & CO. CONSUMER STAPLES 579780206 156 800 SH   SOLE   100 700 0
MCDONALDS CORP CONSUMER DISCRETIONARY 580135101 1,734 8,924 SH   SOLE   8,124 785 15
MCDONALDS CORP CONSUMER DISCRETIONARY 580135101 514 2,647 SH   DFND   1,300 1,347 0
MCKESSON CORPORATION HEALTHCARE 58155Q103 72 480 SH   SOLE   480 0 0
MERCADOLIBRE INC INFORMATION TECHNOLOGY 58733R102 3 3 SH   SOLE   3 0 0
MERCK & CO., INC HEALTHCARE 58933Y105 470 5,853 SH   SOLE   5,433 420 0
MERCK & CO., INC HEALTHCARE 58933Y105 120 1,500 SH   DFND   1,500 0 0
METLIFE INC FINANCIALS 59156R108 465 12,292 SH   SOLE   12,262 0 30
MICROSOFT CORP INFORMATION TECHNOLOGY 594918104 4,810 23,462 SH   SOLE   21,972 1,490 0
MICROSOFT CORP INFORMATION TECHNOLOGY 594918104 486 2,370 SH   DFND   1,530 840 0
MONDELEZ INTERNATIONAL INC CONSUMER STAPLES 609207105 119 2,151 SH   SOLE   1,151 1,000 0
MONGODB, INC. INFORMATION TECHNOLOGY 60937P106 20 88 SH   SOLE   88 0 0
MORGAN STANLEY FINANCIALS 617446448 122 2,502 SH   SOLE   2,502 0 0
NASDAQ STOCK MARKET INC FINANCIALS 631103108 7 50 SH   SOLE   50 0 0
NETAPP, INC. INFORMATION TECHNOLOGY 64110D104 4 100 SH   SOLE   100 0 0
NETFLIX INC INFORMATION TECHNOLOGY 64110L106 266 545 SH   SOLE   545 0 0
NEW JERSEY RESOURCES CORP UTILITIES 646025106 28 912 SH   SOLE   912 0 0
NEW RESIDENTIAL INVESTMENT CORP REAL ESTATE 64828T201 9 1,140 SH   SOLE   1,140 0 0
NEW RELIC INC INFORMATION TECHNOLOGY 64829B100 5 65 SH   SOLE   65 0 0
NEWELL BRANDS INC CONSUMER DISCRETIONARY 651229106 0 16 SH   SOLE   16 0 0
NEWMONT GOLDCORP CORPORATION MATERIALS 651639106 91 1,312 SH   SOLE   1,312 0 0
NEXTERA ENERGY INC UTILITIES 65339F101 2,003 7,135 SH   SOLE   6,835 300 0
NEXTERA ENERGY INC UTILITIES 65339F101 250 890 SH   DFND   750 140 0
NICE LTD - AMERICAN DEPOSITORY SHARES INFORMATION TECHNOLOGY 653656108 6 30 SH   SOLE   30 0 0
NIKE, INC CONSUMER DISCRETIONARY 654106103 519 5,320 SH   SOLE   5,320 0 0
NOKIA CORPORATION INFORMATION TECHNOLOGY 654902204 1 200 SH   SOLE   200 0 0
NOBLE ENERGY INC. ENERGY 655044105 3 300 SH   DFND   0 300 0
NORTHROP GRUMMAN CORP INDUSTRIALS 666807102 339 1,042 SH   SOLE   1,042 0 0
NOVARTIS AG - ADR FOREIGN EQUITIES 66987V109 11 130 SH   SOLE   0 130 0
NUCOR MATERIALS 670346105 50 1,200 SH   SOLE   600 600 0
NUCOR MATERIALS 670346105 34 800 SH   DFND   800 0 0
NVIDIA CORP. INFORMATION TECHNOLOGY 67066G104 1,268 2,987 SH   SOLE   2,987 0 0
O'SHARES FTSE US QUALITY DIVIDEND ETF Exchange Traded Funds - Equity 67110P407 142 4,059 SH   SOLE   4,059 0 0
ORACLE CORPORATION INFORMATION TECHNOLOGY 68389X105 215 3,878 SH   SOLE   3,878 0 0
ORACLE CORPORATION INFORMATION TECHNOLOGY 68389X105 9 170 SH   DFND   0 170 0
OTIS WORLDWIDE CORPORATION INDUSTRIALS 68902V107 316 5,045 SH   SOLE   4,695 350 0
OTIS WORLDWIDE CORPORATION INDUSTRIALS 68902V107 71 1,132 SH   DFND   827 305 0
PNC FINANCIAL SERVICES GROUP INC FINANCIALS 693475105 38 353 SH   SOLE   353 0 0
PPG INDUSTRIES MATERIALS 693506107 15 140 SH   SOLE   140 0 0
PPL CORP UTILITIES 69351T106 6 220 SH   SOLE   220 0 0
PACIRA BIOSCIENCES, INC HEALTHCARE 695127100 32 600 SH   SOLE   600 0 0
PALO ALTO NETWORKS INC INFORMATION TECHNOLOGY 697435105 4 15 SH   SOLE   15 0 0
PELOTON INTERACTIVE INC CLASS A CONSUMER DISCRETIONARY 70614W100 14 210 SH   SOLE   210 0 0
PEPSICO INC CONSUMER STAPLES 713448108 2,590 18,818 SH   SOLE   18,523 295 0
PEPSICO INC CONSUMER STAPLES 713448108 522 3,795 SH   DFND   2,030 1,765 0
PERKIN ELMER, INC INFORMATION TECHNOLOGY 714046109 15 125 SH   SOLE   125 0 0
PETMED EXPRESS INC. HEALTHCARE 716382106 3 100 SH   SOLE   100 0 0
PFIZER INC HEALTHCARE 717081103 1,014 26,369 SH   SOLE   23,813 2,556 0
PFIZER INC HEALTHCARE 717081103 169 4,400 SH   DFND   4,000 400 0
PHILIP MORRIS INTERNATIONAL W/I CONSUMER DISCRETIONARY 718172109 117 1,526 SH   SOLE   1,526 0 0
PHILLIPS 66 ENERGY 718546104 415 6,687 SH   SOLE   6,477 210 0
PHILLIPS 66 ENERGY 718546104 74 1,197 SH   DFND   1,095 102 0
PITNEY BOWES INFORMATION TECHNOLOGY 724479100 4 1,217 SH   SOLE   1,217 0 0
PLAINS ALL AMERICAN PIPELINE ENERGY 726503105 37 4,800 SH   SOLE   4,800 0 0
PLUG POWER INC. INFORMATION TECHNOLOGY 72919P202 9 1,110 SH   SOLE   1,110 0 0
POST HOLDINGS INC CONSUMER STAPLES 737446104 4 50 SH   SOLE   50 0 0
PREFERRED APARTMENT COMMUNITIES REAL ESTATE 74039L103 11 1,570 SH   SOLE   1,570 0 0
T ROWE PRICE GROUP INC FINANCIALS 74144T108 28 200 SH   SOLE   200 0 0
PROCTER & GAMBLE CO CONSUMER STAPLES 742718109 3,209 24,477 SH   SOLE   22,770 1,672 35
PROCTER & GAMBLE CO CONSUMER STAPLES 742718109 649 4,950 SH   DFND   2,935 2,015 0
PRUDENTIAL FINANCIAL INC FINANCIALS 744320102 134 2,121 SH   SOLE   2,036 85 0
PUBLIC SERVICE ENTERPRISE GROUP, INC UTILITIES 744573106 38 672 SH   SOLE   672 0 0
QUALCOMM INC INFORMATION TECHNOLOGY 747525103 1,025 9,704 SH   SOLE   9,439 235 30
QUALCOMM INC INFORMATION TECHNOLOGY 747525103 70 665 SH   DFND   665 0 0
QUANTA SERVICES INC INDUSTRIALS 74762E102 4 100 SH   SOLE   100 0 0
REGENERON PHARMACEUTICALS HEALTHCARE 75886F107 68 108 SH   SOLE   108 0 0
REPLIGEN CORPORATION HEALTHCARE 759916109 15 100 SH   SOLE   100 0 0
RIO TINTO PLC MATERIALS 767204100 31 500 SH   SOLE   500 0 0
ROCHE HOLDING AG HEALTHCARE 771195104 4 103 SH   SOLE   103 0 0
ROKU INC CONSUMER DISCRETIONARY 77543R102 7 45 SH   SOLE   45 0 0
ROYAL DUTCH SHELL PLC-ADR ENERGY 780259107 2 64 SH   SOLE   64 0 0
ROYAL DUTCH SHELL PLC ADR ENERGY 780259206 29 985 SH   SOLE   985 0 0
SPDR S & P 500 ETF TRUST MUTUAL FUND 78462F103 14,447 44,246 SH   SOLE   44,246 0 0
SPDR S & P 500 ETF TRUST MUTUAL FUND 78462F103 527 1,615 SH   DFND   1,020 595 0
SPDR GOLD TRUST MUTUAL FUND 78463V107 275 1,484 SH   SOLE   1,484 0 0
SPDR LOW CARBON TARGET ETF Exchange Traded Funds - Equity 78463X194 11 110 SH   SOLE   110 0 0
SPDR S&P DIVIDEND ETF Exchange Traded Funds - Equity 78464A763 248 2,655 SH   SOLE   2,655 0 0
ETF SPDR S&P BIOTECH HEALTHCARE 78464A870 635 5,805 SH   SOLE   5,805 0 0
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S & P MIDCAP 400 DEPOSITORY RECEIPTS ETF MUTUAL FUND 78467Y107 4,834 14,235 SH   SOLE   14,178 0 57
S & P MIDCAP 400 DEPOSITORY RECEIPTS ETF MUTUAL FUND 78467Y107 205 603 SH   DFND   230 373 0
SPDR GENDER DIVERSITY INDEX ETF Exchange Traded Funds - Equity 78468R747 15 200 SH   SOLE   200 0 0
SALESFORCE.COM, INC. INFORMATION TECHNOLOGY 79466L302 80 413 SH   SOLE   413 0 0
SCHLUMBERGER LTD ENERGY 806857108 232 12,805 SH   SOLE   12,105 700 0
SCHLUMBERGER LTD ENERGY 806857108 5 300 SH   DFND   0 300 0
CHARLES SCHWAB CORPORATION FINANCIALS 808513105 2 65 SH   SOLE   65 0 0
SEATTLE GENETICS INC HEALTHCARE 812578102 17 100 SH   SOLE   100 0 0
MATERIAL SELECT SECTOR SPDR TRUST MATERIALS 81369Y100 137 2,270 SH   SOLE   2,270 0 0
HEALTH CARE SELECT SECTOR SPDR FUND HEALTHCARE 81369Y209 19 177 SH   SOLE   177 0 0
CONSUMER STAPLES SELECT SECTOR SPDR FUND CONSUMER STAPLES 81369Y308 155 2,479 SH   SOLE   2,479 0 0
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ENERGY SELECT SECTOR SPDR FUND ENERGY 81369Y506 66 1,825 SH   SOLE   1,825 0 0
FINANCIAL SELECT SECTOR SPDR FUND FINANCIALS 81369Y605 126 5,250 SH   SOLE   5,250 0 0
INDUSTRIAL SELECT SECTOR SPDR FUND INDUSTRIALS 81369Y704 7 100 SH   SOLE   100 0 0
TECHNOLOGY SELECT SECT SPDR INFORMATION TECHNOLOGY 81369Y803 658 5,956 SH   SOLE   5,956 0 0
TECHNOLOGY SELECT SECT SPDR INFORMATION TECHNOLOGY 81369Y803 50 450 SH   DFND   0 450 0
COMMUNICATION SERVICES SELECT SECTOR SPDR FUND COMMUNICATION SERVICES 81369Y852 97 1,661 SH   SOLE   1,661 0 0
AMEX UTILITIES SELECT INDEX SHS BEN INT UTILITIES 81369Y886 178 2,930 SH   SOLE   2,930 0 0
SEMPRA ENERGY UTILITIES 816851109 125 1,001 SH   SOLE   1,001 0 0
SHERWIN WILLIAMS COMPANY CONSUMER DISCRETIONARY 824348106 19 30 SH   SOLE   30 0 0
SCHOCKWAVE MEDICAL INC HEALTHCARE 82489T104 6 127 SH   SOLE   127 0 0
SIEMENS AG FOREIGN EQUITIES 826197501 11 170 SH   SOLE   170 0 0
SIMON PROPERTY GROUP FINANCIALS 828806109 30 478 SH   SOLE   478 0 0
J.M. SMUCKER COMPANY CONSUMER STAPLES 832696405 176 1,606 SH   SOLE   655 951 0
SNAP-ON INC CONSUMER DISCRETIONARY 833034101 89 609 SH   SOLE   609 0 0
SONY CORP ADR FOREIGN EQUITIES 835699307 12 155 SH   SOLE   155 0 0
SOUTHERN CO UTILITIES 842587107 541 9,902 SH   SOLE   9,217 685 0
SOUTHERN CO UTILITIES 842587107 183 3,345 SH   DFND   2,600 745 0
SOUTHWEST AIRLINES INDUSTRIALS 844741108 14 465 SH   SOLE   465 0 0
SPECTRUM BRANDS HOLDINGS INCCOMMON STOCK CONSUMER STAPLES 84790A105 1 10 SH   SOLE   10 0 0
SPLUNK INC. ENERGY 848637104 10 50 SH   SOLE   50 0 0
STARBUCKS CORPORATION CONSUMER DISCRETIONARY 855244109 382 4,992 SH   SOLE   4,992 0 0
STARBUCKS CORPORATION CONSUMER DISCRETIONARY 855244109 7 92 SH   DFND   0 92 0
STITCH FIX, INC. - CLASS A CONSUMER DISCRETIONARY 860897107 4 195 SH   SOLE   195 0 0
STRYKER CORP HEALTHCARE 863667101 793 4,105 SH   SOLE   4,105 0 0
STRYKER CORP HEALTHCARE 863667101 48 250 SH   DFND   140 110 0
SYNOPSYS INC INFORMATION TECHNOLOGY 871607107 4 20 SH   SOLE   20 0 0
SYSCO CORPORATION CONSUMER STAPLES 871829107 12 220 SH   SOLE   220 0 0
TJX COS INC NEW CONSUMER DISCRETIONARY 872540109 39 745 SH   SOLE   745 0 0
TAKE-TWO INTERACTIVE SOFTWARE, INC. INFORMATION TECHNOLOGY 874054109 16 95 SH   SOLE   95 0 0
TARGET CORP CONSUMER DISCRETIONARY 87612E106 362 2,876 SH   SOLE   2,704 130 42
TARGET CORP CONSUMER DISCRETIONARY 87612E106 195 1,550 SH   DFND   670 880 0
TERADATA CORPORATION INFORMATION TECHNOLOGY 88076W103 3 128 SH   SOLE   128 0 0
TESLA MOTORS INC CONSUMER DISCRETIONARY 88160R101 313 219 SH   SOLE   219 0 0
TEVA PHARMACEUTICAL INDUSTRIES LTD. ADS HEALTHCARE 881624209 5 468 SH   SOLE   268 0 200
TEXAS INSTRUMENTS INFORMATION TECHNOLOGY 882508104 67 524 SH   SOLE   524 0 0
TEXAS ROADHOUSE INC CONSUMER DISCRETIONARY 882681109 2 30 SH   SOLE   30 0 0
TEXTRON INC INDUSTRIALS 883203101 2 65 SH   SOLE   65 0 0
THE TRADE DESK, INC. INFORMATION TECHNOLOGY 88339J105 36 80 SH   SOLE   80 0 0
3M CO COM INDUSTRIALS 88579Y101 338 2,245 SH   SOLE   1,730 515 0
3M CO COM INDUSTRIALS 88579Y101 126 835 SH   DFND   835 0 0
TORONTO-DOMINION BANK NEW FOREIGN EQUITIES 891160509 21 469 SH   SOLE   469 0 0
TOYOTA MOTOR CORP ADR CONSUMER DISCRETIONARY 892331307 9 75 SH   SOLE   75 0 0
TRAVELERS COS INC FINANCIALS 89417E109 84 735 SH   SOLE   735 0 0
TWILIO INC. - A INFORMATION TECHNOLOGY 90138F102 26 93 SH   SOLE   93 0 0
US BANCORP DEL COM NEW FINANCIALS 902973304 132 3,577 SH   SOLE   3,577 0 0
US BANCORP DEL COM NEW FINANCIALS 902973304 4 120 SH   DFND   120 0 0
UNDER ARMOUR INC CONSUMER DISCRETIONARY 904311107 3 300 SH   SOLE   300 0 0
UNILEVER PLC FOREIGN EQUITIES 904767704 10 170 SH   SOLE   0 170 0
UNION PACIFIC CORP INDUSTRIALS 907818108 81 468 SH   SOLE   468 0 0
UNITED PARCEL SERVICE INDUSTRIALS 911312106 297 2,081 SH   SOLE   2,081 0 0
UNITEDHEALTH GROUP INC HEALTHCARE 91324P102 371 1,225 SH   SOLE   1,225 0 0
UNIVERSAL DISPLAY CORP INFORMATION TECHNOLOGY 91347P105 3 17 SH   SOLE   17 0 0
VAIL RESORTS INC. CONSUMER DISCRETIONARY 91879Q109 3 15 SH   SOLE   15 0 0
VALERO ENERGY NEW ENERGY 91913Y100 48 855 SH   SOLE   740 115 0
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VISA INC - CLASS A SHARES INFORMATION TECHNOLOGY 92826C839 631 3,313 SH   SOLE   3,213 100 0
VMWARE INC INFORMATION TECHNOLOGY 928563402 11 75 SH   SOLE   75 0 0
WALMART INC CONSUMER STAPLES 931142103 668 5,166 SH   SOLE   4,886 280 0
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WELLS FARGO & CO NEW FINANCIALS 949746101 81 3,348 SH   SOLE   3,128 220 0
WELLS FARGO & CO NEW FINANCIALS 949746101 17 700 SH   DFND   700 0 0
WESTERN DIGITAL CORP INFORMATION TECHNOLOGY 958102105 16 360 SH   SOLE   360 0 0
THE WILLIAMS CO. INC. ENERGY 969457100 46 2,394 SH   SOLE   2,394 0 0
WISDOMTREE INVESTMENTS INC FINANCIALS 97717P104 2 600 SH   SOLE   600 0 0
WORLD FUEL SERVICES CORPORATION INDUSTRIALS 981475106 13 555 SH   SOLE   555 0 0
YRC WORLDWIDE INC INDUSTRIALS 984249607 0 2 SH   SOLE   2 0 0
YUM BRANDS INC. CONSUMER DISCRETIONARY 988498101 7 80 SH   SOLE   80 0 0
YUM BRANDS INC. CONSUMER DISCRETIONARY 988498101 55 600 SH   DFND   0 600 0
ZEBRA TECHNOLOGIES CORP CLASS A INFORMATION TECHNOLOGY 989207105 8 30 SH   SOLE   30 0 0
ZIMMER HOLDINGS INC. HEALTHCARE 98956P102 67 500 SH   SOLE   0 500 0
ZUORA INC INFORMATION TECHNOLOGY 98983V106 6 494 SH   SOLE   494 0 0