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
ARCO PLATFORM LIMITED -CLASS A FOREIGN EQUITIES G04553106 13 625 SH   SOLE   625 0 0
ATLASSIAN CORPORATION PLC - CLASS A FOREIGN EQUITIES G06242104 29 100 SH   SOLE   100 0 0
ACCENTURE PLC INFORMATION TECHNOLOGY G1151C101 973 2,885 SH   SOLE   2,885 0 0
CAMBIUM NETWORKS CORPORATION FOREIGN EQUITIES G17766109 9 380 SH   SOLE   380 0 0
EATON CORP PLC INDUSTRIALS G29183103 24 158 SH   SOLE   158 0 0
INVESCO LIMITED FINANCIALS G491BT108 1 50 SH   SOLE   50 0 0
KINIKSA PHARMACEUTICALS LTD. -CLASS A FOREIGN EQUITIES G5269C101 9 875 SH   SOLE   875 0 0
APTIV PLC CONSUMER DISCRETIONARY G6095L109 4 35 SH   SOLE   35 0 0
NORWEGIAN CRUISE LINE HOLDINGS LTD CONSUMER DISCRETIONARY G66721104 2 100 SH   SOLE   100 0 0
NOVOCURE LIMITED HEALTHCARE G6674U108 8 100 SH   SOLE   100 0 0
SMART GLOBAL HOLDINGS INC. FOREIGN EQUITIES G8232Y101 9 340 SH   SOLE   340 0 0
VINCI PARTNERS INVESTMENTS LTD. - CLASS A FINANCIALS G9451V109 12 855 SH   SOLE   855 0 0
FIVERR INTERNATIONAL LTD. FOREIGN EQUITIES M4R82T106 21 270 SH   SOLE   270 0 0
JFROG LTD FOREIGN EQUITIES M6191J100 9 345 SH   SOLE   345 0 0
WIX.COM LTD INFORMATION TECHNOLOGY M98068105 13 128 SH   SOLE   128 0 0
ASML HOLDING N V N Y REGISTRY SHS FOREIGN EQUITIES N07059210 20 30 SH   SOLE   30 0 0
FLEXTRONICS INTL INFORMATION TECHNOLOGY Y2573F102 19 1,050 SH   SOLE   1,050 0 0
AFLAC INC. FINANCIALS 001055102 1 16 SH   SOLE   16 0 0
AFLAC INC. FINANCIALS 001055102 16 250 SH   DFND   0 250 0
AMC ENTMT HLDGS INC CL A COM CONSUMER DISCRETIONARY 00165C104 2 100 SH   SOLE   100 0 0
AT&T INC. COMMUNICATION SERVICES 00206R102 796 33,696 SH   SOLE   32,923 713 60
AT&T INC. COMMUNICATION SERVICES 00206R102 153 6,460 SH   DFND   4,710 1,750 0
ARK AUTONOMOUS TECHNOLOGY & ROBOTICS ETF INFORMATION TECHNOLOGY 00214Q203 21 310 SH   SOLE   310 0 0
ABBOTT LABS HEALTHCARE 002824100 788 6,658 SH   SOLE   6,258 400 0
ABBOTT LABS HEALTHCARE 002824100 143 1,205 SH   DFND   0 1,205 0
ABBVIE INC. HEALTHCARE 00287Y109 2,130 13,137 SH   SOLE   12,642 495 0
ABBVIE INC. HEALTHCARE 00287Y109 400 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 192 2,400 SH   SOLE   2,400 0 0
ADOBE INC INFORMATION TECHNOLOGY 00724F101 422 927 SH   SOLE   927 0 0
AECOM TECHNOLOGY CORP INFORMATION TECHNOLOGY 00766T100 1 16 SH   SOLE   16 0 0
ADVANCED MICRO DEVICES INC INFORMATION TECHNOLOGY 007903107 545 4,987 SH   SOLE   4,987 0 0
ADVANCED MICRO DEVICES INC INFORMATION TECHNOLOGY 007903107 11 100 SH   DFND   0 0 100
INVESCO INTERNATIONAL GROWTH FUND MUTUAL FUND 008882532 2 71 SH   SOLE   71 0 0
AIR PRODUCTS & CHEMICALS INC MATERIALS 009158106 169 678 SH   SOLE   678 0 0
ALIGN TECHNOLOGY INC. HEALTHCARE 016255101 4 10 SH   SOLE   10 0 0
ALLSTATE CORP FINANCIALS 020002101 152 1,100 SH   SOLE   800 300 0
ALTRIA GROUP, INC. CONSUMER STAPLES 02209S103 160 3,066 SH   SOLE   3,066 0 0
AMAZON. COM, INC CONSUMER DISCRETIONARY 023135106 6,044 1,854 SH   SOLE   1,844 10 0
AMAZON. COM, INC CONSUMER DISCRETIONARY 023135106 33 10 SH   DFND   10 0 0
AMERICAN ELEC PWR INC UTILITIES 025537101 5 52 SH   SOLE   52 0 0
AMERICAN EXPRESS FINANCIALS 025816109 354 1,894 SH   SOLE   1,857 0 37
AMERICAN EXPRESS FINANCIALS 025816109 51 275 SH   DFND   0 275 0
AMERICAN TOWER CORPORATION COMMUNICATION SERVICES 03027X100 896 3,565 SH   SOLE   3,565 0 0
AMERICAN WATER WORKS INC. CONSUMER DISCRETIONARY 030420103 5 30 SH   SOLE   30 0 0
AMERIPRISE FINANCIAL INC. FINANCIALS 03076C106 1 4 SH   SOLE   4 0 0
AMGEN INCORPORATED HEALTHCARE 031162100 495 2,048 SH   SOLE   2,048 0 0
AMGEN INCORPORATED HEALTHCARE 031162100 117 484 SH   DFND   484 0 0
ANIXA BIOSCIENCES INC. HEALTHCARE 03528H109 19 7,000 SH   SOLE   7,000 0 0
APPIAN CORPORATION INFORMATION TECHNOLOGY 03782L101 17 280 SH   SOLE   280 0 0
APPLE INC INFORMATION TECHNOLOGY 037833100 13,354 76,479 SH   SOLE   74,999 1,400 80
APPLE INC INFORMATION TECHNOLOGY 037833100 475 2,720 SH   DFND   2,560 160 0
APPLE HOSPITALTIY REIT INC COMMON SHARES REAL ESTATE 03784Y200 3 161 SH   SOLE   161 0 0
APPLIED MATL INC INFORMATION TECHNOLOGY 038222105 1,049 7,960 SH   SOLE   7,960 0 0
ARISTA NETWORKS INC. INFORMATION TECHNOLOGY 040413106 33 240 SH   SOLE   240 0 0
ARROW FINANCIAL CORPORATION FINANCIALS 042744102 571 17,606 SH   SOLE   17,606 0 0
ASTRAZENECA PLC - ADR HEALTHCARE 046353108 28 420 SH   SOLE   420 0 0
AUTODESK INC. INFORMATION TECHNOLOGY 052769106 11 50 SH   SOLE   50 0 0
AUTOMATIC DATA PROCESSING INC INFORMATION TECHNOLOGY 053015103 777 3,413 SH   SOLE   3,113 300 0
AUTOMATIC DATA PROCESSING INC INFORMATION TECHNOLOGY 053015103 207 910 SH   DFND   0 910 0
AXON ENTERPRISE INC COM INDUSTRIALS 05464C101 34 250 SH   SOLE   250 0 0
BP P.L.C. ENERGY 055622104 56 1,890 SH   SOLE   1,890 0 0
BP PRUDHOE BAY ROYALTY TRUST ENERGY 055630107 1 100 SH   SOLE   100 0 0
BM TECHNOLOGIES INC. INDUSTRIALS 05591L107 8 880 SH   SOLE   880 0 0
BAIDU INC - SPON ADR INFORMATION TECHNOLOGY 056752108 2 12 SH   SOLE   12 0 0
BANDWIDTH INC INFORMATION TECHNOLOGY 05988J103 4 130 SH   SOLE   130 0 0
BANK OF AMERICA CORP FINANCIALS 060505104 864 20,964 SH   SOLE   20,964 0 0
BANK OF NEW YORK MELLON CORP FINANCIALS 064058100 34 691 SH   SOLE   691 0 0
BAOUZUN INC-SPN ADR FOREIGN EQUITIES 06684L103 1 75 SH   SOLE   75 0 0
BARRICK GOLD CORP MATERIALS 067901108 3 135 SH   SOLE   135 0 0
BAXTER INTERNATIONAL INC. HEALTHCARE 071813109 78 1,000 SH   SOLE   1,000 0 0
BEAM GLOBAL COMMON STOCK ENERGY 07373B109 6 300 SH   SOLE   300 0 0
BECTON DICKINSON & CO HEALTHCARE 075887109 435 1,636 SH   SOLE   1,401 235 0
BERKSHIRE HATHAWAY INC. DEL CLASS B FINANCIALS 084670702 3,314 9,391 SH   SOLE   9,391 0 0
BERKSHIRE HATHAWAY INC. DEL CLASS B FINANCIALS 084670702 43 122 SH   DFND   0 122 0
BEST BUY CONSUMER DISCRETIONARY 086516101 30 325 SH   SOLE   325 0 0
BEYOND MEAT INC COM CONSUMER DISCRETIONARY 08862E109 0 10 SH   SOLE   10 0 0
BIOGEN INC HEALTHCARE 09062X103 3 13 SH   SOLE   13 0 0
BLACKROCK INC FINANCIALS 09247X101 1,147 1,501 SH   SOLE   1,501 0 0
BLACKROCK INC FINANCIALS 09247X101 11 15 SH   DFND   0 15 0
BLINK CHARGING CO. - COMMON STOCK CONSUMER DISCRETIONARY 09354A100 5 184 SH   SOLE   184 0 0
BLOOM ENERGY CORP COM CL A ENERGY 093712107 5 200 SH   SOLE   200 0 0
BOEING INDUSTRIALS 097023105 463 2,419 SH   SOLE   2,364 30 25
BOEING INDUSTRIALS 097023105 86 450 SH   DFND   50 400 0
BRISTOL MYERS SQUIBB CO HEALTHCARE 110122108 1,908 26,131 SH   SOLE   24,131 2,000 0
BRISTOL MYERS SQUIBB CO HEALTHCARE 110122108 322 4,405 SH   DFND   3,000 1,405 0
CBOE GLOBAL MARKETS, INC. FINANCIALS 12503M108 11 100 SH   SOLE   100 0 0
CME GROUP INC. FINANCIALS 12572Q105 5 23 SH   SOLE   23 0 0
CRA INTERNATIONAL INC. INDUSTRIALS 12618T105 9 105 SH   SOLE   105 0 0
CSX CORPORATION INDUSTRIALS 126408103 851 22,730 SH   SOLE   22,730 0 0
CSX CORPORATION INDUSTRIALS 126408103 135 3,600 SH   DFND   3,600 0 0
CVS HEALTH CORP CONSUMER STAPLES 126650100 1,074 10,611 SH   SOLE   10,611 0 0
CANADIAN NATIONAL RAILWAY CO FOREIGN EQUITIES 136375102 5 40 SH   SOLE   40 0 0
CANADIAN PACIFIC RAILWAY LTD FOREIGN EQUITIES 13645T100 59 710 SH   SOLE   710 0 0
CANADIAN SOLAR INC COM ENERGY 136635109 18 500 SH   SOLE   500 0 0
CAPITAL ONE FINANCIAL CORP FINANCIALS 14040H105 12 90 SH   SOLE   90 0 0
CARGURUS INC COM CL A CONSUMER DISCRETIONARY 141788109 42 1,000 SH   SOLE   1,000 0 0
CARRIER GLOBAL CORPORATION INDUSTRIALS 14448C104 196 4,268 SH   SOLE   3,568 700 0
CARRIER GLOBAL CORPORATION INDUSTRIALS 14448C104 53 1,165 SH   DFND   655 510 0
CASEY'S GENERAL STORES INC CONSUMER DISCRETIONARY 147528103 14 70 SH   SOLE   70 0 0
CATERPILLAR INC INDUSTRIALS 149123101 1,702 7,638 SH   SOLE   7,543 70 25
CATERPILLAR INC INDUSTRIALS 149123101 414 1,860 SH   DFND   1,325 535 0
CENOVUS ENERGY INC. ENERGY 15135U109 0 25 SH   SOLE   25 0 0
CENTERPOINT ENERGY, INC UTILITIES 15189T107 37 1,200 SH   SOLE   1,200 0 0
CENTERPOINT ENERGY, INC UTILITIES 15189T107 123 4,000 SH   DFND   4,000 0 0
CENTESSA PHARMACEUTICALS PLC HEALTHCARE 152309100 8 925 SH   SOLE   925 0 0
CHEGG INC COM CONSUMER DISCRETIONARY 163092109 9 250 SH   SOLE   250 0 0
CHEVRON CORPORATION ENERGY 166764100 2,271 13,950 SH   SOLE   13,567 383 0
CHEVRON CORPORATION ENERGY 166764100 342 2,101 SH   DFND   1,486 615 0
CHICO'S FASHION INC CONSUMER DISCRETIONARY 168615102 10 2,025 SH   SOLE   2,025 0 0
CIENA CORP INFORMATION TECHNOLOGY 171779309 2 30 SH   SOLE   30 0 0
CISCO SYSTEMS INC. INFORMATION TECHNOLOGY 17275R102 1,837 32,947 SH   SOLE   32,382 500 65
CISCO SYSTEMS INC. INFORMATION TECHNOLOGY 17275R102 73 1,305 SH   DFND   30 1,275 0
CIRRUS LOGIC INC INFORMATION TECHNOLOGY 172755100 8 100 SH   SOLE   100 0 0
CITIGROUP INC. FINANCIALS 172967424 224 4,186 SH   SOLE   4,186 0 0
CITIGROUP INC. FINANCIALS 172967424 70 1,305 SH   DFND   1,305 0 0
CLEARPOINT NEURO INC. HEALTHCARE 18507C103 9 880 SH   SOLE   880 0 0
CLOROX COMPANY CONSUMER STAPLES 189054109 62 445 SH   SOLE   445 0 0
CLOROX COMPANY CONSUMER STAPLES 189054109 28 200 SH   DFND   0 200 0
CLOUDFLARE INC CL A COM INFORMATION TECHNOLOGY 18915M107 21 175 SH   SOLE   175 0 0
COCA COLA CO CONSUMER STAPLES 191216100 1,564 25,222 SH   SOLE   22,667 2,555 0
COCA COLA CO CONSUMER STAPLES 191216100 280 4,515 SH   DFND   3,430 1,085 0
COGNIZANT TECHNOLOGY SOLUTIONS CORP INFORMATION TECHNOLOGY 192446102 9 100 SH   SOLE   100 0 0
COLGATE PALMOLIVE CONSUMER STAPLES 194162103 759 10,011 SH   SOLE   9,976 0 35
COLGATE PALMOLIVE CONSUMER STAPLES 194162103 121 1,594 SH   DFND   1,374 220 0
COMCAST CORP NEW CL A CONSUMER DISCRETIONARY 20030N101 263 5,622 SH   SOLE   5,622 0 0
COMPASS PATHWAYS PLC HEALTHCARE 20451W101 7 505 SH   SOLE   505 0 0
CONOCOPHILLIPS ENERGY 20825C104 266 2,660 SH   SOLE   2,660 0 0
CONOCOPHILLIPS ENERGY 20825C104 14 140 SH   DFND   20 120 0
CONSOLIDATED EDISON INC UTILITIES 209115104 44 460 SH   SOLE   460 0 0
CORNING INC INFORMATION TECHNOLOGY 219350105 458 12,405 SH   SOLE   12,405 0 0
COSTCO WHSL CORP NEW CONSUMER STAPLES 22160K105 946 1,643 SH   SOLE   1,643 0 0
COUPA SOFTWARE INC COM INFORMATION TECHNOLOGY 22266L106 10 100 SH   SOLE   100 0 0
CRONOS GROUP, INC. CONSUMER DISCRETIONARY 22717L101 0 110 SH   SOLE   110 0 0
CROSSAMERICA PARTNERS LP ENERGY 22758A105 120 5,500 SH   SOLE   5,500 0 0
CUBESMART COM REAL ESTATE 229663109 4 75 SH   SOLE   75 0 0
CUMMINS INC INDUSTRIALS 231021106 143 695 SH   SOLE   695 0 0
CUMMINS INC INDUSTRIALS 231021106 23 110 SH   DFND   110 0 0
DNP SELECT INCOME FUND INC FIXED INCOME 23325P104 18 1,500 SH   SOLE   1,500 0 0
D R HORTON INC CONSUMER DISCRETIONARY 23331A109 14 190 SH   SOLE   190 0 0
DTE ENERGY CO UTILITIES 233331107 61 465 SH   SOLE   465 0 0
DTE ENERGY CO UTILITIES 233331107 92 695 SH   DFND   695 0 0
DANAHER CORP HEALTHCARE 235851102 1,213 4,135 SH   SOLE   4,135 0 0
DANAHER CORP HEALTHCARE 235851102 236 805 SH   DFND   500 305 0
DATADOG INC CLASS A INFORMATION TECHNOLOGY 23804L103 64 425 SH   SOLE   425 0 0
DEERE & CO (JOHN DEERE) INDUSTRIALS 244199105 538 1,295 SH   SOLE   1,085 210 0
DELTA AIR LINES INC CONSUMER DISCRETIONARY 247361702 18 455 SH   SOLE   455 0 0
DENTSPLY SIRONA INC CONSUMER DISCRETIONARY 24906P109 6 120 SH   SOLE   120 0 0
DEVON ENERGY CORPORATION NEW ENERGY 25179M103 22 375 SH   SOLE   375 0 0
DIAGEO PLC CONSUMER DISCRETIONARY 25243Q205 27 134 SH   SOLE   134 0 0
DIAMONDBACK ENERGY INC. ENERGY 25278X109 1 10 SH   SOLE   10 0 0
DISNEY (WALT) COMPANY HOLDING CO CONSUMER DISCRETIONARY 254687106 1,744 12,716 SH   SOLE   12,691 0 25
DISNEY (WALT) COMPANY HOLDING CO CONSUMER DISCRETIONARY 254687106 179 1,308 SH   DFND   220 1,088 0
DISCOVER FINANCIAL SERVICES FINANCIALS 254709108 48 440 SH   SOLE   440 0 0
DOCEBO INC. INFORMATION TECHNOLOGY 25609L105 7 135 SH   SOLE   135 0 0
DOCUSIGN INC INFORMATION TECHNOLOGY 256163106 25 235 SH   SOLE   235 0 0
DOLLAR GENERAL CORP CONSUMER DISCRETIONARY 256677105 27 120 SH   SOLE   120 0 0
DOLLAR TREE, INC. CONSUMER DISCRETIONARY 256746108 32 200 SH   SOLE   200 0 0
DOMINION ENERGY, INC. UTILITIES 25746U109 313 3,689 SH   SOLE   3,689 0 0
DOMINION ENERGY, INC. UTILITIES 25746U109 90 1,060 SH   DFND   1,060 0 0
DOMINO'S PIZZA INC CONSUMER DISCRETIONARY 25754A201 28 70 SH   SOLE   70 0 0
DOW INC. MATERIALS 260557103 152 2,382 SH   SOLE   1,870 512 0
DOW INC. MATERIALS 260557103 96 1,505 SH   DFND   1,420 85 0
DREAM FINDERS HOMES INC. - CLASS A CONSUMER DISCRETIONARY 26154D100 10 615 SH   SOLE   615 0 0
DUKE ENERGY CORPORATION NEW ENERGY 26441C204 300 2,683 SH   SOLE   2,683 0 0
DUKE ENERGY CORPORATION NEW ENERGY 26441C204 90 802 SH   DFND   802 0 0
EBAY INC CONSUMER DISCRETIONARY 278642103 12 207 SH   SOLE   207 0 0
ECOLAB INC. MATERIALS 278865100 13 75 SH   SOLE   75 0 0
EDISON INTERNATIONAL UTILITIES 281020107 1 10 SH   SOLE   10 0 0
ELECTRONIC ARTS INC INFORMATION TECHNOLOGY 285512109 7 55 SH   SOLE   55 0 0
EMERSON ELECTRIC INDUSTRIALS 291011104 385 3,928 SH   SOLE   2,448 1,480 0
EMERSON ELECTRIC INDUSTRIALS 291011104 168 1,715 SH   DFND   0 1,715 0
ENBRIDGE INC ENERGY 29250N105 47 1,023 SH   SOLE   1,023 0 0
ENERGY TRANSFER LP COM UT LTD PTN ENERGY 29273V100 7 582 SH   SOLE   582 0 0
ENTERGY CORPORATION UTILITIES 29364G103 93 800 SH   DFND   800 0 0
ENTERPRISE PRODUCTS PARTNERS L.P. ENERGY 293792107 181 7,011 SH   SOLE   7,011 0 0
EQUITY RESIDENTIAL SHARES OF BENEFICIAL INT FINANCIALS 29476L107 4 50 SH   SOLE   50 0 0
ESPEY MFG. & ELECTRONICS CORP INDUSTRIALS 296650104 80 5,747 SH   SOLE   5,747 0 0
ESPEY MFG. & ELECTRONICS CORP INDUSTRIALS 296650104 3 200 SH   DFND   100 0 100
ETSY INC CONSUMER DISCRETIONARY 29786A106 25 205 SH   SOLE   205 0 0
EXACT SCIENCES CORP COM HEALTHCARE 30063P105 16 225 SH   SOLE   225 0 0
EXELON CORP UTILITIES 30161N101 63 1,315 SH   SOLE   1,040 275 0
EXELON CORP UTILITIES 30161N101 52 1,090 SH   DFND   1,090 0 0
EXXON MOBIL CORP ENERGY 30231G102 1,396 16,904 SH   SOLE   11,774 5,130 0
EXXON MOBIL CORP ENERGY 30231G102 435 5,271 SH   DFND   2,217 3,054 0
META PLATFORMS INC INFORMATION TECHNOLOGY 30303M102 1,470 6,609 SH   SOLE   6,504 105 0
META PLATFORMS INC INFORMATION TECHNOLOGY 30303M102 16 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 5 310 SH   SOLE   310 0 0
FATHOM HOLDINGS INC. REAL ESTATE 31189V109 2 230 SH   SOLE   230 0 0
FEDEX CORPORATION INDUSTRIALS 31428X106 172 745 SH   SOLE   745 0 0
FEDEX CORPORATION INDUSTRIALS 31428X106 29 125 SH   DFND   125 0 0
FIDELITY MSCI INFORMATION TECHNOLOGY INDEX ETF INFORMATION TECHNOLOGY 316092808 305 2,475 SH   SOLE   2,475 0 0
FIDELITY TOTAL BOND ETF EXCHANGE TRADED FUND-FIXED INC 316188309 14 286 SH   SOLE   286 0 0
FIFTH THIRD BANCORP FINANCIALS 316773100 29 675 SH   SOLE   675 0 0
1STDIBS.COM INC INFORMATION TECHNOLOGY 320551104 8 955 SH   SOLE   955 0 0
FIRST TRUST NASDAQ CLEAN EDGE GREEN ENERGY ETF ENERGY 33733E500 120 1,861 SH   SOLE   1,861 0 0
FIRSTENERGY CORP UTILITIES 337932107 3 55 SH   SOLE   55 0 0
FLEXSHARES GLOBAL UPSTREAM NATURAL RESOURCES IND EXCHANGE TRADED FUND - EQUITY 33939L407 74 1,580 SH   SOLE   1,580 0 0
FORD MOTOR CO DEL CONSUMER DISCRETIONARY 345370860 112 6,610 SH   SOLE   6,610 0 0
FORD MOTOR CO DEL CONSUMER DISCRETIONARY 345370860 15 900 SH   DFND   0 900 0
FORTIVE CORPORATION INFORMATION TECHNOLOGY 34959J108 17 287 SH   DFND   100 187 0
FREEPORT-MCMORAN COPPER & GOLD CLASS B MATERIALS 35671D857 29 575 SH   SOLE   575 0 0
FRESHPET INC CONSUMER STAPLES 358039105 8 75 SH   SOLE   75 0 0
FULGENT GENETICS INC. HEALTHCARE 359664109 54 860 SH   SOLE   860 0 0
GAMESTOP CORP NEW CL A CONSUMER DISCRETIONARY 36467W109 0 3 SH   SOLE   3 0 0
GENERAL DYNAMICS CORPORATION INDUSTRIALS 369550108 660 2,736 SH   SOLE   2,736 0 0
GENERAL DYNAMICS CORPORATION INDUSTRIALS 369550108 16 65 SH   DFND   65 0 0
GENERAL MILLS, INC CONSUMER STAPLES 370334104 110 1,630 SH   SOLE   1,030 600 0
GENERAL MILLS, INC CONSUMER STAPLES 370334104 95 1,400 SH   DFND   1,400 0 0
GILEAD SCIENCES, INC. HEALTHCARE 375558103 152 2,560 SH   SOLE   2,560 0 0
GILEAD SCIENCES, INC. HEALTHCARE 375558103 9 150 SH   DFND   0 150 0
GLADSTONE COMMERCIAL CORP CONSUMER DISCRETIONARY 376536108 26 1,170 SH   SOLE   1,170 0 0
GLADSTONE LAND CORPORATION REAL ESTATE 376549101 11 300 SH   SOLE   300 0 0
GLAXO SMITHKLINE PLC SPON ADR HEALTHCARE 37733W105 27 610 SH   SOLE   610 0 0
GLAXO SMITHKLINE PLC SPON ADR HEALTHCARE 37733W105 83 1,905 SH   DFND   1,905 0 0
GROWGENERATION CORP COM CONSUMER STAPLES 39986L109 0 25 SH   SOLE   25 0 0
GUARDANT HEALTH INC. HEALTHCARE 40131M109 8 115 SH   SOLE   115 0 0
HSBC HOLDINGS PLC SPONS ADRS FINANCIALS 404280406 21 607 SH   SOLE   607 0 0
HARLEY DAVIDSON CONSUMER DISCRETIONARY 412822108 11 280 SH   SOLE   280 0 0
HELMERICH & PAYNE, INC. ENERGY 423452101 1 20 SH   SOLE   20 0 0
THE HERSHEY COMPANY CONSUMER STAPLES 427866108 26 120 SH   SOLE   120 0 0
HEXO CORP COM NEW FOREIGN EQUITIES 428304307 0 170 SH   SOLE   170 0 0
HOME DEPOT INC CONSUMER DISCRETIONARY 437076102 2,638 8,815 SH   SOLE   7,810 1,005 0
HOME DEPOT INC CONSUMER DISCRETIONARY 437076102 353 1,180 SH   DFND   400 780 0
HONEYWELL INTERNATIONAL INC INDUSTRIALS 438516106 686 3,524 SH   SOLE   3,524 0 0
HUBSPOT INC. INFORMATION TECHNOLOGY 443573100 76 160 SH   SOLE   160 0 0
ILLINOIS TOOL WORKS INC. INDUSTRIALS 452308109 189 902 SH   SOLE   902 0 0
INTEL CORP INFORMATION TECHNOLOGY 458140100 2,477 49,983 SH   SOLE   47,068 2,850 65
INTEL CORP INFORMATION TECHNOLOGY 458140100 395 7,964 SH   DFND   5,649 2,315 0
CORECARD CORPORATION INFORMATION TECHNOLOGY 45816D100 7 265 SH   SOLE   265 0 0
INTERACTIVE BROKERS GRO-CL A FINANCIALS 45841N107 16 250 SH   SOLE   250 0 0
INTERCONTINENTAL EXCHANGE INCOM FINANCIALS 45866F104 36 275 SH   SOLE   275 0 0
INTL BUSINESS MACHINES INFORMATION TECHNOLOGY 459200101 597 4,594 SH   SOLE   4,594 0 0
INTL BUSINESS MACHINES INFORMATION TECHNOLOGY 459200101 224 1,725 SH   DFND   753 972 0
INTERNATIONAL PAPER CO MATERIALS 460146103 194 4,200 SH   SOLE   4,165 0 35
INTUITIVE SURGICAL INC HEALTHCARE 46120E602 59 194 SH   SOLE   194 0 0
INVESCO S&P 500 EQUAL WEIGHT REAL ESTATE ETF REAL ESTATE 46137V290 19 465 SH   SOLE   465 0 0
INVESCO GLOBAL WATER ETF EXCHANGE TRADED FUND - EQUITY 46138E651 55 1,500 SH   SOLE   1,500 0 0
INVESCO EXCH TRADED FD TR IISOLAR ETF ENERGY 46138G706 11 140 SH   SOLE   140 0 0
INVITAE CORP COM HEALTHCARE 46185L103 1 125 SH   SOLE   125 0 0
IQIYI, INC. - ADR INFORMATION TECHNOLOGY 46267X108 0 100 SH   SOLE   100 0 0
IROBOT CORPORATION INDUSTRIALS 462726100 2 30 SH   SOLE   30 0 0
ETF ISHARES SILVER TR MUTUAL FUND 46428Q109 87 3,810 SH   SOLE   3,810 0 0
ISHARES MSCI AUSTRALIA ETF MUTUAL FUND 464286103 8 300 SH   DFND   300 0 0
ISHARES MSCI CANADA ETF MUTUAL FUND 464286509 10 250 SH   DFND   250 0 0
ISHARES MSCI SOUTH KOREA CAPPED ETF EXCHANGE TRADED FUND - EQUITY 464286772 103 1,447 SH   SOLE   1,447 0 0
ISHARES S & P 100 ETF MUTUAL FUND 464287101 1,471 7,055 SH   SOLE   7,055 0 0
ISHARES SELECT DIVIDEND ETF EXCHANGE TRADED FUND - EQUITY 464287168 58 450 SH   SOLE   450 0 0
ISHARES TIPS BOND ETF EXCHANGE TRADED FUND-FIXED INC 464287176 6,536 52,471 SH   SOLE   51,986 0 485
ISHARES TIPS BOND ETF EXCHANGE TRADED FUND-FIXED INC 464287176 857 6,877 SH   DFND   5,985 892 0
ISHARES CHINA LARGE CAP ETF MUTUAL FUND 464287184 4 115 SH   DFND   0 115 0
ISHARES CORE S&P 500 ETF EXCHANGE TRADED FUND - EQUITY 464287200 52 114 SH   SOLE   114 0 0
ISHARES CORE TOTAL US AGGREGATE BOND ETF-W FIXED INCOME 46428722W 1,775 16,575 SH   SOLE   16,575 0 0
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JPMORGAN CHASE & CO COM FINANCIALS 46625H100 133 975 SH   DFND   945 30 0
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JD.COM INC.-ADR CONSUMER DISCRETIONARY 47215P106 4 70 SH   SOLE   70 0 0
JINKOSOLAR HOLDING COMPANY LTD ENERGY 47759T100 1 25 SH   SOLE   25 0 0
JOHNSON & JOHNSON HEALTHCARE 478160104 3,960 22,346 SH   SOLE   21,166 1,150 30
JOHNSON & JOHNSON HEALTHCARE 478160104 610 3,440 SH   DFND   1,385 2,055 0
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KEYCORP NEW COM FINANCIALS 493267108 12 542 SH   SOLE   542 0 0
KIMBERLY CLARK CONSUMER STAPLES 494368103 219 1,780 SH   SOLE   1,710 70 0
KIMBERLY CLARK CONSUMER STAPLES 494368103 123 1,000 SH   DFND   1,000 0 0
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ELI LILLY & CO HEALTHCARE 532457108 1,116 3,897 SH   SOLE   3,897 0 0
ELI LILLY & CO HEALTHCARE 532457108 238 830 SH   DFND   750 80 0
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LITTELFUSE INC INFORMATION TECHNOLOGY 537008104 12 50 SH   SOLE   50 0 0
LOCKHEED MARTIN CORP INDUSTRIALS 539830109 2,288 5,184 SH   SOLE   4,864 320 0
LOCKHEED MARTIN CORP INDUSTRIALS 539830109 393 890 SH   DFND   890 0 0
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LOWES COMPANIES INC CONSUMER DISCRETIONARY 548661107 543 2,688 SH   SOLE   2,613 0 75
LOWES COMPANIES INC CONSUMER DISCRETIONARY 548661107 49 240 SH   DFND   240 0 0
LULULEMON ATHLETICA INC CONSUMER DISCRETIONARY 550021109 15 40 SH   SOLE   40 0 0
LUMEN TECHNOLOGIES INC. COMMUNICATION SERVICES 550241103 0 12 SH   SOLE   12 0 0
MPLX LP ENERGY 55336V100 123 3,700 SH   SOLE   3,700 0 0
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MARATHON PETROLEUM CORPORATION ENERGY 56585A102 98 1,150 SH   SOLE   1,150 0 0
MARKEL CORP HOLDING COMPANY FINANCIALS 570535104 15 10 SH   SOLE   10 0 0
MARRIOTT INTERNATIONAL INC. CLASS A CONSUMER DISCRETIONARY 571903202 11 65 SH   SOLE   65 0 0
MASIMO CORPORATION HEALTHCARE 574795100 2 12 SH   SOLE   12 0 0
MASTERCARD INC - CLASS A INFORMATION TECHNOLOGY 57636Q104 268 751 SH   SOLE   686 65 0
MCCORMICK & CO. CONSUMER STAPLES 579780206 160 1,600 SH   SOLE   200 1,400 0
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MCDONALDS CORP CONSUMER DISCRETIONARY 580135101 630 2,547 SH   DFND   1,200 1,347 0
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MERCADOLIBRE INC INFORMATION TECHNOLOGY 58733R102 21 18 SH   SOLE   18 0 0
MERCK & CO., INC HEALTHCARE 58933Y105 721 8,783 SH   SOLE   8,463 320 0
MERCK & CO., INC HEALTHCARE 58933Y105 155 1,885 SH   DFND   1,885 0 0
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METLIFE INC FINANCIALS 59156R108 90 1,277 SH   DFND   1,277 0 0
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MICROSOFT CORP INFORMATION TECHNOLOGY 594918104 461 1,495 SH   DFND   755 740 0
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MITEK SYSTEMS INC. INFORMATION TECHNOLOGY 606710200 9 610 SH   SOLE   610 0 0
MONDELEZ INTERNATIONAL INC CONSUMER STAPLES 609207105 123 1,956 SH   SOLE   956 1,000 0
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MORGAN STANLEY FINANCIALS 617446448 504 5,772 SH   SOLE   5,772 0 0
NCR CORPORATION INFORMATION TECHNOLOGY 62886E108 1 17 SH   SOLE   17 0 0
NIO INC SPON ADS CONSUMER DISCRETIONARY 62914V106 9 440 SH   SOLE   440 0 0
NASDAQ STOCK MARKET INC FINANCIALS 631103108 9 50 SH   SOLE   50 0 0
NETAPP, INC. INFORMATION TECHNOLOGY 64110D104 8 100 SH   SOLE   100 0 0
NETFLIX INC INFORMATION TECHNOLOGY 64110L106 476 1,272 SH   SOLE   1,272 0 0
NEW JERSEY RESOURCES CORP UTILITIES 646025106 42 912 SH   SOLE   912 0 0
NEW RELIC INC INFORMATION TECHNOLOGY 64829B100 4 65 SH   SOLE   65 0 0
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NEXTERA ENERGY INC UTILITIES 65339F101 47 560 SH   DFND   0 560 0
NICE LTD - AMERICAN DEPOSITORY SHARES INFORMATION TECHNOLOGY 653656108 7 30 SH   SOLE   30 0 0
NIKE, INC CONSUMER DISCRETIONARY 654106103 1,030 7,652 SH   SOLE   7,652 0 0
NORTHROP GRUMMAN CORP INDUSTRIALS 666807102 327 732 SH   SOLE   732 0 0
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NOVAVAX INC HEALTHCARE 670002401 17 231 SH   SOLE   231 0 0
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NUCOR MATERIALS 670346105 119 800 SH   DFND   800 0 0
NVIDIA CORP. INFORMATION TECHNOLOGY 67066G104 3,774 13,832 SH   SOLE   13,832 0 0
NUSHARES ETF TR NUVEEN ESG SMLCP EXCHANGE TRADED FUND - EQUITY 67092P607 339 8,500 SH   SOLE   8,500 0 0
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ON24 INC. INFORMATION TECHNOLOGY 68339B104 9 675 SH   SOLE   675 0 0
ORACLE CORPORATION INFORMATION TECHNOLOGY 68389X105 692 8,363 SH   SOLE   8,363 0 0
ORACLE CORPORATION INFORMATION TECHNOLOGY 68389X105 14 170 SH   DFND   0 170 0
OTIS WORLDWIDE CORPORATION INDUSTRIALS 68902V107 164 2,130 SH   SOLE   1,780 350 0
OTIS WORLDWIDE CORPORATION INDUSTRIALS 68902V107 45 582 SH   DFND   327 255 0
OUTSET MEDICAL INC. HEALTHCARE 690145107 13 280 SH   SOLE   280 0 0
P G & E CORP UTILITIES 69331C108 0 10 SH   SOLE   10 0 0
PNC FINANCIAL SERVICES GROUP INC FINANCIALS 693475105 60 323 SH   SOLE   323 0 0
PPL CORP UTILITIES 69351T106 3 100 SH   SOLE   100 0 0
PACIRA BIOSCIENCES, INC HEALTHCARE 695127100 46 600 SH   SOLE   600 0 0
PALO ALTO NETWORKS INC INFORMATION TECHNOLOGY 697435105 9 15 SH   SOLE   15 0 0
PARKER HANNIFIN CORP MATERIALS 701094104 1 5 SH   SOLE   5 0 0
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PEPSICO INC CONSUMER STAPLES 713448108 3,134 18,727 SH   SOLE   18,432 295 0
PEPSICO INC CONSUMER STAPLES 713448108 599 3,580 SH   DFND   1,815 1,765 0
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PHILLIPS 66 ENERGY 718546104 728 8,430 SH   SOLE   8,220 210 0
PHILLIPS 66 ENERGY 718546104 117 1,357 SH   DFND   1,255 102 0
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PLAINS ALL AMERICAN PIPELINE ENERGY 726503105 116 10,800 SH   SOLE   10,800 0 0
PLUG POWER INC. INFORMATION TECHNOLOGY 72919P202 39 1,370 SH   SOLE   1,370 0 0
POST HOLDINGS INC CONSUMER STAPLES 737446104 3 50 SH   SOLE   50 0 0
T ROWE PRICE GROUP INC FINANCIALS 74144T108 57 375 SH   SOLE   375 0 0
T ROW PRICE US BOND INDEX FUND FIXED INCOME 741495105 144 13,584 SH   SOLE   13,584 0 0
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PROCTER & GAMBLE CO CONSUMER STAPLES 742718109 695 4,550 SH   DFND   2,620 1,930 0
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PRUDENTIAL FINANCIAL INC FINANCIALS 744320102 86 730 SH   DFND   730 0 0
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PUBMATIC INC COM CL A CONSUMER DISCRETIONARY 74467Q103 17 664 SH   SOLE   664 0 0
QUALCOMM INC INFORMATION TECHNOLOGY 747525103 1,639 10,726 SH   SOLE   10,461 235 30
QUANTA SERVICES INC INDUSTRIALS 74762E102 94 712 SH   SOLE   712 0 0
QUIDEL CORP COM HEALTHCARE 74838J101 11 100 SH   SOLE   100 0 0
REATA PHARMACEUTICALS INC. HEALTHCARE 75615P103 2 55 SH   SOLE   55 0 0
REGENERON PHARMACEUTICALS HEALTHCARE 75886F107 274 393 SH   SOLE   393 0 0
REPLIGEN CORPORATION HEALTHCARE 759916109 47 250 SH   SOLE   250 0 0
RIMINI STREET INC. INFORMATION TECHNOLOGY 76674Q107 9 1,565 SH   SOLE   1,565 0 0
RIO TINTO PLC MATERIALS 767204100 121 1,500 SH   SOLE   1,500 0 0
ROCHE HOLDING AG HEALTHCARE 771195104 5 103 SH   SOLE   103 0 0
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SPDR S & P 500 ETF TRUST EXCHANGE TRADED FUND - EQUITY 78462F103 702 1,555 SH   DFND   1,020 535 0
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TESLA MOTORS INC CONSUMER DISCRETIONARY 88160R101 1,536 1,425 SH   SOLE   1,425 0 0
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THE TRADE DESK, INC. INFORMATION TECHNOLOGY 88339J105 55 800 SH   SOLE   800 0 0
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VANGUARD REAL ESTATE ETF REAL ESTATE 922908553 21 195 SH   DFND   0 195 0
VANGUARD MID-CAP ETF EXCHANGE TRADED FUND - EQUITY 922908629 1,427 6,000 SH   SOLE   6,000 0 0
VANGUARD GROWTH ETF EXCHANGE TRADED FUND - EQUITY 922908736 1,275 4,435 SH   SOLE   4,435 0 0
VANGUARD VALUE ETF EXCHANGE TRADED FUND - EQUITY 922908744 54 365 SH   SOLE   365 0 0
VANGUARD SMALL CAP ETF EXCHANGE TRADED FUND - EQUITY 922908751 5 24 SH   SOLE   24 0 0
VANGUARD TOTAL STOCK MARKET ETF MUTUAL FUND 922908769 1,014 4,452 SH   SOLE   4,452 0 0
VERIZON COMMUNICATIONS INC COMMUNICATION SERVICES 92343V104 1,858 36,475 SH   SOLE   34,893 1,582 0
VERIZON COMMUNICATIONS INC COMMUNICATION SERVICES 92343V104 291 5,709 SH   DFND   3,587 2,122 0
VERISK ANALYTICS INC INDUSTRIALS 92345Y106 23 105 SH   SOLE   105 0 0
VERTEX PHARMACEUTICALS INC HEALTHCARE 92532F100 75 288 SH   SOLE   288 0 0
VILLAGE FARMS INTL INC COM FOREIGN EQUITIES 92707Y108 0 90 SH   SOLE   90 0 0
VISA INC - CLASS A SHARES INFORMATION TECHNOLOGY 92826C839 1,143 5,155 SH   SOLE   5,055 100 0
VMWARE INC INFORMATION TECHNOLOGY 928563402 9 79 SH   SOLE   79 0 0
VONTIER CORPORATION INDUSTRIALS 928881101 2 74 SH   DFND   40 34 0
WALMART INC CONSUMER STAPLES 931142103 1,024 6,878 SH   SOLE   6,598 280 0
WALMART INC CONSUMER STAPLES 931142103 19 125 SH   DFND   125 0 0
WASTE MANAGEMENT INC NEW INDUSTRIALS 94106L109 1,563 9,862 SH   SOLE   8,907 955 0
WASTE MANAGEMENT INC NEW INDUSTRIALS 94106L109 208 1,310 SH   DFND   880 430 0
WAYFAIR INC CL A CONSUMER DISCRETIONARY 94419L101 11 100 SH   SOLE   100 0 0
WELLS FARGO & CO NEW FINANCIALS 949746101 52 1,079 SH   SOLE   859 220 0
WELLS FARGO & CO NEW FINANCIALS 949746101 34 700 SH   DFND   700 0 0
WESTERN DIGITAL CORP INFORMATION TECHNOLOGY 958102105 18 360 SH   SOLE   360 0 0
WHERE FOOD COMES FROM INC. INDUSTRIALS 96327X200 8 700 SH   SOLE   700 0 0
WHIRLPOOL CORP CONSUMER DISCRETIONARY 963320106 19 110 SH   SOLE   110 0 0
THE WILLIAMS CO. INC. ENERGY 969457100 105 3,140 SH   SOLE   3,140 0 0
THE WILLIAMS CO. INC. ENERGY 969457100 104 3,100 SH   DFND   3,100 0 0
WISDOMTREE INVESTMENTS INC FINANCIALS 97717P104 4 600 SH   SOLE   600 0 0
XCEL ENERGY INC UTILITIES 98389B100 47 657 SH   SOLE   657 0 0
YUM BRANDS INC. CONSUMER DISCRETIONARY 988498101 21 180 SH   SOLE   180 0 0
YUM BRANDS INC. CONSUMER DISCRETIONARY 988498101 71 600 SH   DFND   0 600 0
ZEBRA TECHNOLOGIES CORP CLASS A INFORMATION TECHNOLOGY 989207105 33 80 SH   SOLE   80 0 0
ZIMMER HOLDINGS INC. HEALTHCARE 98956P102 67 521 SH   SOLE   21 500 0
ZOETIS INC HEALTHCARE 98978V103 5 25 SH   SOLE   25 0 0
ZUORA INC INFORMATION TECHNOLOGY 98983V106 7 494 SH   SOLE   494 0 0
ZYMERGEN INC. MATERIALS 98985X100 5 1,895 SH   SOLE   1,895 0 0