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
ACCENTURE LTD BERMUDA CL A FOREIGN EQUITIES G1151C101 261 940 SH   SOLE   940 0 0
ACCENTURE LTD BERMUDA CL A FOREIGN EQUITIES G1151C101 56 200 SH   DFND   200 0 0
EATON CORP PLC FOREIGN EQUITIES G29183103 34 269 SH   SOLE   269 0 0
LINDE PLC SHS FOREIGN EQUITIES G5494J103 29 100 SH   SOLE   100 0 0
MEDTRONIC PLC ORDINARY FOREIGN EQUITIES G5960L103 317 3,529 SH   SOLE   3,229 0 300
MEDTRONIC PLC ORDINARY FOREIGN EQUITIES G5960L103 45 500 SH   DFND   100 400 0
ALCON INC ORD SHS COMMON STOCK H01301128 16 226 SH   SOLE   168 0 58
ALCON INC ORD SHS COMMON STOCK H01301128 10 138 SH   DFND   80 58 0
SPOTIFY TECHNOLOGY S A SHS COMMON STOCK L8681T102 2 25 SH   SOLE   25 0 0
LYONDELLBASELL INDUSTRIES N.V. CL A FOREIGN EQUITIES N53745100 14 158 SH   SOLE   158 0 0
MAXEON SOLAR TECHNOLOGIES LTSHS COMMON STOCK Y58473102 0 3 SH   DFND   3 0 0
AT&T INC COM COMMON STOCK 00206R102 578 27,579 SH   SOLE   26,779 300 500
AT&T INC COM COMMON STOCK 00206R102 471 22,490 SH   DFND   20,590 1,900 0
ABBOTT LABS COM COMMON STOCK 002824100 1,273 11,712 SH   SOLE   10,079 1,333 300
ABBOTT LABS COM COMMON STOCK 002824100 817 7,520 SH   DFND   7,420 100 0
ABBVIE INC COMMON STOCK 00287Y109 2,814 18,376 SH   SOLE   17,061 1,015 300
ABBVIE INC COMMON STOCK 00287Y109 1,473 9,620 SH   DFND   9,260 360 0
ADAMS DIVERSIFIED EQUITY FD COM COMMON STOCK 006212104 42 2,732 SH   SOLE   2,732 0 0
ADOBE INC COM COMMON STOCK 00724F101 470 1,285 SH   SOLE   1,285 0 0
AGILENT TECHNOLOGIES INC COM COMMON STOCK 00846U101 12 100 SH   SOLE   100 0 0
AGILENT TECHNOLOGIES INC COM COMMON STOCK 00846U101 24 200 SH   DFND   0 200 0
AIR PRODUCT AND CHEMICALS INC COMMON STOCK 009158106 1,679 6,982 SH   SOLE   6,482 500 0
AIR PRODUCT AND CHEMICALS INC COMMON STOCK 009158106 673 2,800 SH   DFND   2,600 200 0
ALLIANCEBERNSTEIN HLDG L P UNIT LTD PARTNERSHIP COMMON STOCK 01881G106 17 400 SH   SOLE   400 0 0
ALLSTATE CORP COM COMMON STOCK 020002101 13 100 SH   SOLE   100 0 0
ALNYLAM PHARMACEUTICALS INC COM COMMON STOCK 02043Q107 7 50 SH   SOLE   50 0 0
ALPHABET INC CAP STK CL C COMMON STOCK 02079K107 1,420 649 SH   SOLE   569 80 0
ALPHABET INC CAP STK CL C COMMON STOCK 02079K107 1,444 660 SH   DFND   640 20 0
ALPHABET INC CAP STK CL A COMMON STOCK 02079K305 1,632 749 SH   SOLE   739 0 10
ALPHABET INC CAP STK CL A COMMON STOCK 02079K305 190 87 SH   DFND   77 10 0
ALTRIA GROUP INC COMMON STOCK 02209S103 144 3,447 SH   SOLE   3,447 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 144 3,450 SH   DFND   1,500 1,950 0
AMAZON COM INC COM COMMON STOCK 023135106 2,305 21,707 SH   SOLE   20,635 980 92
AMAZON COM INC COM COMMON STOCK 023135106 1,636 15,400 SH   DFND   15,240 160 0
AMERICAN ELEC PWR INC COM COMMON STOCK 025537101 267 2,785 SH   DFND   2,785 0 0
AMERICAN EXPRESS CO COM COMMON STOCK 025816109 1,863 13,443 SH   SOLE   12,177 1,266 0
AMERICAN EXPRESS CO COM COMMON STOCK 025816109 303 2,185 SH   DFND   1,485 700 0
AMERICAN INTL GROUP INC COM COMMON STOCK 026874784 0 8 SH   SOLE   8 0 0
AMERICAN WATER WORKS COMMON STOCK 030420103 884 5,940 SH   SOLE   5,740 200 0
AMERICAN WATER WORKS COMMON STOCK 030420103 171 1,150 SH   DFND   950 200 0
AMERIPRISE FINL INC COM COMMON STOCK 03076C106 213 895 SH   SOLE   895 0 0
AMGEN INC COM COMMON STOCK 031162100 484 1,989 SH   SOLE   1,689 300 0
AMGEN INC COM COMMON STOCK 031162100 438 1,800 SH   DFND   1,800 0 0
ANALOG DEVICES INC COMMON STOCK 032654105 1,345 9,210 SH   SOLE   8,142 1,000 68
ANALOG DEVICES INC COMMON STOCK 032654105 99 677 SH   DFND   538 139 0
APPLE COMPUTER INC COM COMMON STOCK 037833100 7,439 54,413 SH   SOLE   51,765 2,380 268
APPLE COMPUTER INC COM COMMON STOCK 037833100 1,695 12,396 SH   DFND   10,720 1,676 0
APPLIED MATLS INC COM COMMON STOCK 038222105 340 3,738 SH   SOLE   3,738 0 0
APPLIED MATLS INC COM COMMON STOCK 038222105 14 150 SH   DFND   150 0 0
ASTRAZENECA PLC SPONSORED ADR FOREIGN EQUITIES 046353108 7 100 SH   SOLE   100 0 0
AUTOMATIC DATA PROCESSING INCOM COMMON STOCK 053015103 816 3,883 SH   SOLE   3,791 92 0
AUTOMATIC DATA PROCESSING INCOM COMMON STOCK 053015103 81 387 SH   DFND   100 287 0
AUTOZONE INC COM COMMON STOCK 053332102 673 313 SH   SOLE   313 0 0
AUTOZONE INC COM COMMON STOCK 053332102 107 50 SH   DFND   50 0 0
BP PLC SPONSORED ADR COMMON STOCK 055622104 143 5,054 SH   SOLE   5,054 0 0
BP PLC SPONSORED ADR COMMON STOCK 055622104 60 2,100 SH   DFND   1,900 200 0
BANKAMERICA CORP NEW COMMON STOCK 060505104 603 19,365 SH   SOLE   19,365 0 0
BANKAMERICA CORP NEW COMMON STOCK 060505104 6 200 SH   DFND   200 0 0
BANK NEW YORK MELLON CORP COM COMMON STOCK 064058100 73 1,750 SH   SOLE   1,750 0 0
BANK NEW YORK MELLON CORP COM COMMON STOCK 064058100 17 400 SH   DFND   400 0 0
BAXTER INTL INC COM COMMON STOCK 071813109 67 1,050 SH   SOLE   1,050 0 0
BAXTER INTL INC COM COMMON STOCK 071813109 128 2,000 SH   DFND   2,000 0 0
BECTON DICKINSON & CO COM COMMON STOCK 075887109 247 1,000 SH   SOLE   1,000 0 0
BERKSHIRE HATHAWAY B NEW COMMON STOCK 084670702 1,832 6,709 SH   SOLE   6,174 535 0
BERKSHIRE HATHAWAY B NEW COMMON STOCK 084670702 471 1,727 SH   DFND   1,661 66 0
BLACKROCK INC COM COMMON STOCK 09247X101 260 427 SH   SOLE   427 0 0
BLACKROCK INC COM COMMON STOCK 09247X101 426 700 SH   DFND   700 0 0
BOEING CO COM COMMON STOCK 097023105 967 7,075 SH   SOLE   7,050 25 0
BOEING CO COM COMMON STOCK 097023105 109 800 SH   DFND   800 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 1,990 25,849 SH   SOLE   24,511 938 400
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 851 11,048 SH   DFND   9,785 1,263 0
BROADCOM INC NPV COMMON STOCK 11135F101 1,899 3,910 SH   SOLE   3,459 451 0
BROADCOM INC NPV COMMON STOCK 11135F101 79 162 SH   DFND   122 40 0
CDK GLOBAL, INC. COMMON STOCK 12508E101 5 91 SH   SOLE   91 0 0
CSX CORP COM COMMON STOCK 126408103 17 600 SH   SOLE   600 0 0
CVS/CAREMARK CORP COM COMMON STOCK 126650100 586 6,321 SH   SOLE   5,840 481 0
CVS/CAREMARK CORP COM COMMON STOCK 126650100 26 285 SH   DFND   0 285 0
CARRIER GLOBAL CORPORATION COM COMMON STOCK 14448C104 6 175 SH   SOLE   175 0 0
CARRIER GLOBAL CORPORATION COM COMMON STOCK 14448C104 267 7,500 SH   DFND   7,500 0 0
CATERPILLAR INC DEL COM COMMON STOCK 149123101 297 1,662 SH   SOLE   1,662 0 0
CATERPILLAR INC DEL COM COMMON STOCK 149123101 31 175 SH   DFND   100 75 0
CENTERPOINT ENERGY INC COM COMMON STOCK 15189T107 15 500 SH   SOLE   500 0 0
CHEMOURS CO COM COMMON STOCK 163851108 6 175 SH   SOLE   175 0 0
CHEMOURS CO COM COMMON STOCK 163851108 2 60 SH   DFND   60 0 0
CHENIERE ENERGY INC COM NEW COMMON STOCK 16411R208 13 100 SH   SOLE   100 0 0
CHEVRONTEXACO CORP COM COMMON STOCK 166764100 1,618 11,179 SH   SOLE   11,079 100 0
CHEVRONTEXACO CORP COM COMMON STOCK 166764100 1,054 7,283 SH   DFND   6,983 300 0
CISCO SYS INC COM COMMON STOCK 17275R102 1,563 36,670 SH   SOLE   34,220 2,300 150
CISCO SYS INC COM COMMON STOCK 17275R102 195 4,570 SH   DFND   2,900 1,670 0
CITIGROUP INC NEW COMMON STOCK 172967424 65 1,420 SH   SOLE   1,420 0 0
CLOROX COMPANY COMMON STOCK 189054109 18 125 SH   SOLE   125 0 0
COCA COLA CO COM COMMON STOCK 191216100 1,844 29,312 SH   SOLE   27,202 1,310 800
COCA COLA CO COM COMMON STOCK 191216100 226 3,595 SH   DFND   2,732 863 0
COINBASE GLOBAL INC COM CL A COMMON STOCK 19260Q107 5 100 SH   SOLE   100 0 0
COLGATE PALMOLIVE CO COM COMMON STOCK 194162103 137 1,705 SH   SOLE   1,705 0 0
COLGATE PALMOLIVE CO COM COMMON STOCK 194162103 321 4,000 SH   DFND   4,000 0 0
COMCAST CORP COMMON STOCK 20030N101 797 20,315 SH   SOLE   18,386 1,929 0
COMCAST CORP COMMON STOCK 20030N101 112 2,845 SH   DFND   2,845 0 0
COMMUNITY BANK SYSTEM INC COMMON STOCK 203607106 291 4,600 SH   SOLE   4,600 0 0
CONOCOPHILLIPS COM COMMON STOCK 20825C104 143 1,593 SH   SOLE   1,593 0 0
CONOCOPHILLIPS COM COMMON STOCK 20825C104 314 3,500 SH   DFND   3,500 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 269 2,830 SH   SOLE   2,830 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 67 700 SH   DFND   0 0 700
CONSTELLATION ENERGY CORP COM COMMON STOCK 21037T109 38 664 SH   SOLE   498 0 166
CONSTELLATION ENERGY CORP COM COMMON STOCK 21037T109 15 265 SH   DFND   265 0 0
CORTEVA INC COM COMMON STOCK 22052L104 164 3,035 SH   SOLE   2,832 0 203
CORTEVA INC COM COMMON STOCK 22052L104 287 5,294 SH   DFND   3,350 1,944 0
COSTCO WHSL CORP NEW COMMON STOCK 22160K105 533 1,113 SH   SOLE   1,021 92 0
COSTCO WHSL CORP NEW COMMON STOCK 22160K105 36 75 SH   DFND   75 0 0
DANAHER CORP COMMON STOCK 235851102 553 2,181 SH   SOLE   1,992 189 0
DANAHER CORP COMMON STOCK 235851102 20 80 SH   DFND   80 0 0
DEERE & CO COM COMMON STOCK 244199105 589 1,967 SH   SOLE   1,767 0 200
DEERE & CO COM COMMON STOCK 244199105 449 1,500 SH   DFND   1,350 150 0
DIGITAL WORLD ACQUISITION COCLASS A COM COMMON STOCK 25400Q105 2 100 SH   SOLE   100 0 0
DISNEY WALT CO COM DISNEY COMMON STOCK 254687106 467 4,946 SH   SOLE   4,946 0 0
DISNEY WALT CO COM DISNEY COMMON STOCK 254687106 191 2,025 SH   DFND   1,600 100 325
DISCOVER FINL SVCS COMMON STOCK 254709108 10 109 SH   SOLE   109 0 0
DOMINION RES INC VA NEW COM COMMON STOCK 25746U109 1,131 14,172 SH   SOLE   13,472 100 600
DOMINION RES INC VA NEW COM COMMON STOCK 25746U109 806 10,100 SH   DFND   9,100 1,000 0
DOW INC COM COMMON STOCK 260557103 168 3,255 SH   SOLE   3,052 0 203
DOW INC COM COMMON STOCK 260557103 273 5,295 SH   DFND   3,351 1,944 0
DUKE ENERGY HLDG CORP COMMON STOCK 26441C204 787 7,344 SH   SOLE   7,344 0 0
DUKE ENERGY HLDG CORP COMMON STOCK 26441C204 482 4,499 SH   DFND   4,433 66 0
DUPONT DE NEMOURS INC COM COMMON STOCK 26614N102 245 4,407 SH   SOLE   4,204 0 203
DUPONT DE NEMOURS INC COM COMMON STOCK 26614N102 283 5,094 SH   DFND   3,150 1,944 0
ETF MANAGERS TR ETFMG ALTR HRVST MUTUAL FUNDS-ETF EQUITIES 26924G508 1 100 SH   SOLE   100 0 0
EATON VANCE INSURED MUNI BD FD MUTUAL FUNDS-ETF FIXED INCOME 27827X101 18 1,666 SH   SOLE   1,666 0 0
EBAY INC COM COMMON STOCK 278642103 18 434 SH   SOLE   434 0 0
ECOLAB INC COMMON STOCK 278865100 627 4,080 SH   SOLE   3,955 125 0
ECOLAB INC COMMON STOCK 278865100 35 230 SH   DFND   230 0 0
EMBECTA CORP COMMON STOCK COMMON STOCK 29082K105 5 200 SH   SOLE   200 0 0
EMERSON ELEC CO COM COMMON STOCK 291011104 1,389 17,457 SH   SOLE   15,766 1,291 400
EMERSON ELEC CO COM COMMON STOCK 291011104 410 5,160 SH   DFND   3,660 1,500 0
ENBRIDGE INC COMMON STOCK 29250N105 1,228 29,074 SH   SOLE   28,386 688 0
ENBRIDGE INC COMMON STOCK 29250N105 514 12,158 SH   DFND   10,079 2,079 0
ENERGY TRANSFER EQUITY L P COM UNIT LTD PRTNERS COMMON STOCK 29273V100 18 1,792 SH   SOLE   1,792 0 0
ENTEGRIS INC COMMON STOCK 29362U104 18 200 SH   SOLE   200 0 0
EQIUTRANS MIDSTREAM CO COMMON STOCK 294600101 1 100 SH   SOLE   100 0 0
ESSA BANCORP INC COM COMMON STOCK 29667D104 25 1,462 SH   SOLE   1,462 0 0
ESSENTIAL UTILS INC COM COMMON STOCK 29670G102 46 1,000 SH   SOLE   0 0 1,000
ESSENTIAL UTILS INC COM COMMON STOCK 29670G102 11 250 SH   DFND   250 0 0
EXELON CORP COM COMMON STOCK 30161N101 430 9,493 SH   SOLE   8,993 0 500
EXELON CORP COM COMMON STOCK 30161N101 36 800 SH   DFND   800 0 0
EXPEDITORS INTL WASH INC COMMON STOCK 302130109 463 4,750 SH   SOLE   3,050 1,200 500
EXPEDITORS INTL WASH INC COMMON STOCK 302130109 151 1,550 SH   DFND   350 1,200 0
EXXON MOBIL CORP COM COMMON STOCK 30231G102 2,430 28,372 SH   SOLE   28,072 200 100
EXXON MOBIL CORP COM COMMON STOCK 30231G102 1,755 20,490 SH   DFND   14,650 5,090 750
F M C CORP COM NEW COMMON STOCK 302491303 621 5,800 SH   SOLE   5,800 0 0
F N B CORP PA COMMON STOCK 302520101 629 57,937 SH   SOLE   57,937 0 0
FNCB BANCORP INC COM COMMON STOCK 302578109 16 2,000 SH   SOLE   2,000 0 0
FACEBOOK INC COMMON STOCK 30303M102 679 4,213 SH   SOLE   4,213 0 0
FACEBOOK INC COMMON STOCK 30303M102 47 290 SH   DFND   290 0 0
FASTENAL CO COM COMMON STOCK 311900104 1,901 38,089 SH   SOLE   32,904 3,685 1,500
FASTENAL CO COM COMMON STOCK 311900104 588 11,774 SH   DFND   8,366 3,408 0
FEDEX CORPORATION COMMON STOCK 31428X106 170 750 SH   SOLE   750 0 0
FIDELITY D & D BANCORP INC COM COMMON STOCK 31609R100 6 146 SH   SOLE   146 0 0
FIFTH THIRD BANCORP COMMON STOCK 316773100 7 200 SH   SOLE   200 0 0
FIRST SOLAR INC COMMON STOCK 336433107 14 200 SH   DFND   200 0 0
FIRST TR EXCHANGE-TRADED FD NAS CLNEDG GREEN COMMON STOCK 33733E500 10 200 SH   SOLE   200 0 0
FIRST ENERGY CORP COMMON STOCK 337932107 10 266 SH   SOLE   266 0 0
FORD MTR CO DEL COM PAR $0.01 COMMON STOCK 345370860 29 2,573 SH   SOLE   2,573 0 0
FREEPORTMCMORAN COPP CL B COMMON STOCK 35671D857 8 268 SH   SOLE   268 0 0
GARRETT MOTION INC COM COMMON STOCK 366505105 0 10 SH   DFND   0 10 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 114 517 SH   SOLE   517 0 0
GENERAL ELEC CO COM COMMON STOCK 369604301 103 1,613 SH   SOLE   1,613 0 0
GENERAL ELEC CO COM COMMON STOCK 369604301 102 1,607 SH   DFND   850 757 0
GENERAL MLS INC COM COMMON STOCK 370334104 1,174 15,565 SH   SOLE   14,336 1,229 0
GENERAL MLS INC COM COMMON STOCK 370334104 480 6,365 SH   DFND   5,665 700 0
GENERAL MOTORS CO COM COMMON STOCK 37045V100 16 500 SH   SOLE   500 0 0
GLAXOSMITHKLINE PLC SPONSORED ADR FOREIGN EQUITIES 37733W105 227 5,221 SH   SOLE   5,221 0 0
GLAXOSMITHKLINE PLC SPONSORED ADR FOREIGN EQUITIES 37733W105 109 2,500 SH   DFND   2,200 300 0
GLOBAL PAMENTS INC COMMON STOCK 37940X102 11 100 SH   SOLE   100 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 1,234 4,155 SH   SOLE   4,155 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 119 400 SH   DFND   345 55 0
HASBRO INC COM COMMON STOCK 418056107 23 276 SH   SOLE   276 0 0
HEALTHPEAK PROPERTIES INC COM COMMON STOCK 42250P103 80 3,100 SH   SOLE   3,100 0 0
HEALTHPEAK PROPERTIES INC COM COMMON STOCK 42250P103 78 3,000 SH   DFND   3,000 0 0
HERSHEY FOODS CORP COM COMMON STOCK 427866108 114 529 SH   SOLE   529 0 0
HOME DEPOT INC COM COMMON STOCK 437076102 1,561 5,692 SH   SOLE   5,302 353 37
HOME DEPOT INC COM COMMON STOCK 437076102 66 240 SH   DFND   240 0 0
HONEYWELL INTL INC COM COMMON STOCK 438516106 492 2,831 SH   SOLE   2,831 0 0
HONEYWELL INTL INC COM COMMON STOCK 438516106 17 100 SH   DFND   0 100 0
ITT INC COM COMMON STOCK 45073V108 7 100 SH   DFND   100 0 0
INTEL CORP COM COMMON STOCK 458140100 400 10,691 SH   SOLE   10,091 200 400
INTEL CORP COM COMMON STOCK 458140100 239 6,400 SH   DFND   5,700 700 0
INTERNATIONAL BUSINESS MACHSCOM COMMON STOCK 459200101 882 6,249 SH   SOLE   6,249 0 0
INTERNATIONAL BUSINESS MACHSCOM COMMON STOCK 459200101 131 930 SH   DFND   0 930 0
INVESCO EX PFD ETF MUTUAL FUNDS-ETF EQUITIES 46138E511 49 4,000 SH   SOLE   4,000 0 0
IQIYI INC SPONSORED ADS FOREIGN EQUITIES 46267X108 0 50 SH   SOLE   50 0 0
ISHARES MSCI PAC JP ETF MUTUAL FUNDS-EQUITIES 464286665 2 50 SH   SOLE   50 0 0
ISHARES S&P 100 MUTUAL FUNDS-EQUITIES 464287101 9 50 SH   SOLE   50 0 0
I SHARES TR DJ SLECT DIV INDEX MUTUAL FUNDS-EQUITIES 464287168 6 50 SH   SOLE   50 0 0
ISHARES S&P 500 INDEX MUTUAL FUNDS-ETF EQUITIES 464287200 2,588 6,827 SH   SOLE   6,827 0 0
ISHARES TR S&P NA NATURAL RESOURCES MUTUAL FUNDS-EQUITIES 464287374 18 500 SH   DFND   500 0 0
ISHARES TR MSCI EAFE INDEX MUTUAL FUNDS-ETF EQUITIES 464287465 248 3,968 SH   SOLE   3,968 0 0
ISHARES TR MSCI EAFE INDEX MUTUAL FUNDS-ETF EQUITIES 464287465 81 1,300 SH   DFND   1,300 0 0
ISHARES TR RUS MDCP VAL ETF MUTUAL FUNDS-ETF EQUITIES 464287473 30 295 SH   SOLE   295 0 0
ISHARES RUSSELL MID-CAP ETF MUTUAL FUNDS-EQUITIES 464287499 19 300 SH   SOLE   300 0 0
ISHARES S&P 600 INDEX MUTUAL FUNDS-ETF EQUITIES 464287804 23 250 SH   SOLE   250 0 0
ISHARES TR GL CLEAN ENE ETF COMMON STOCK 464288224 4 200 SH   SOLE   200 0 0
ISHARES TR GL CLEAN ENE ETF COMMON STOCK 464288224 8 400 SH   DFND   400 0 0
ISHARES TR US TREAS BD ETF MUTUAL FUNDS-ETF FIXED INCOME 46429B267 15 619 SH   SOLE   619 0 0
J P MORGAN CHASE & CO COM COMMON STOCK 46625H100 2,007 17,824 SH   SOLE   16,824 1,000 0
J P MORGAN CHASE & CO COM COMMON STOCK 46625H100 202 1,796 SH   DFND   1,500 296 0
JOHNSON & JOHNSON COM COMMON STOCK 478160104 3,221 18,144 SH   SOLE   17,335 809 0
JOHNSON & JOHNSON COM COMMON STOCK 478160104 1,332 7,501 SH   DFND   6,450 1,051 0
KELLOGG CO COM COMMON STOCK 487836108 375 5,250 SH   SOLE   4,650 100 500
KELLOGG CO COM COMMON STOCK 487836108 193 2,700 SH   DFND   2,700 0 0
KIMBERLY CLARK CORP COM COMMON STOCK 494368103 258 1,907 SH   SOLE   1,907 0 0
KIMBERLY CLARK CORP COM COMMON STOCK 494368103 466 3,447 SH   DFND   3,447 0 0
KINDER MORGAN INC (DE) CLASS P COMMON STOCK 49456B101 0 1 SH   SOLE   1 0 0
KRAFT HEINZ CO COM COMMON STOCK 500754106 268 7,033 SH   SOLE   6,733 0 300
KRAFT HEINZ CO COM COMMON STOCK 500754106 67 1,745 SH   DFND   1,212 533 0
KYNDRYL HLDGS INC COMMON STOCK COMMON STOCK 50155Q100 10 989 SH   SOLE   989 0 0
KYNDRYL HLDGS INC COMMON STOCK COMMON STOCK 50155Q100 2 186 SH   DFND   0 186 0
L3HARRIS TECHNOLOGIES INC COM COMMON STOCK 502431109 5 20 SH   DFND   20 0 0
LEGGETT & PLATT INC COMMON STOCK 524660107 3 100 SH   SOLE   100 0 0
LILLY ELI & CO COM COMMON STOCK 532457108 2,689 8,295 SH   SOLE   7,516 444 335
LILLY ELI & CO COM COMMON STOCK 532457108 3,023 9,325 SH   DFND   7,525 1,800 0
LITTLEFUSE INC COMMON STOCK 537008104 10 38 SH   SOLE   38 0 0
LOCKHEED MARTIN CORP COM COMMON STOCK 539830109 1,336 3,108 SH   SOLE   3,088 20 0
LOCKHEED MARTIN CORP COM COMMON STOCK 539830109 75 175 SH   DFND   175 0 0
LOWES COS INC COM COMMON STOCK 548661107 328 1,875 SH   SOLE   1,475 0 400
LOWES COS INC COM COMMON STOCK 548661107 157 900 SH   DFND   500 400 0
LUCID GROUP INC COM COMMON STOCK 549498103 7 400 SH   SOLE   400 0 0
LULULEMON ATHLETICA COMMON STOCK 550021109 55 200 SH   SOLE   200 0 0
MANNKIND CORPORATION COMMON STOCK 56400P706 1 240 SH   DFND   240 0 0
MARATHON OIL CO COMMON STOCK 565849106 70 3,111 SH   SOLE   3,111 0 0
MARATHON PETROLEUM CORP COMMON STOCK 56585A102 164 2,000 SH   SOLE   2,000 0 0
MARRIOTT INTL INC NEW CL A COMMON STOCK 571903202 7 50 SH   DFND   50 0 0
MASTERCARD INCORPORATED COMMON STOCK 57636Q104 3,377 10,706 SH   SOLE   9,891 815 0
MASTERCARD INCORPORATED COMMON STOCK 57636Q104 880 2,791 SH   DFND   2,691 100 0
MATTEL INC COM COMMON STOCK 577081102 89 3,983 SH   SOLE   3,983 0 0
MCDONALDS CORP COM COMMON STOCK 580135101 4,479 18,142 SH   SOLE   17,625 517 0
MCDONALDS CORP COM COMMON STOCK 580135101 765 3,097 SH   DFND   3,014 83 0
MCKESSON CORP COMMON STOCK 58155Q103 33 100 SH   SOLE   100 0 0
MERCK & CO INC NEW COMMON STOCK 58933Y105 1,444 15,840 SH   SOLE   15,340 0 500
MERCK & CO INC NEW COMMON STOCK 58933Y105 607 6,655 SH   DFND   5,675 980 0
METLIFE INC COMMON STOCK 59156R108 13 200 SH   DFND   0 200 0
MICROSOFT CORP COMMON STOCK 594918104 6,075 23,655 SH   SOLE   22,136 1,400 119
MICROSOFT CORP COMMON STOCK 594918104 1,705 6,639 SH   DFND   4,150 2,489 0
MICROCHIP TECHNOLOGY INC COM COMMON STOCK 595017104 1,930 33,235 SH   SOLE   29,435 3,000 800
MICROCHIP TECHNOLOGY INC COM COMMON STOCK 595017104 539 9,288 SH   DFND   7,001 2,287 0
MICROVAST HOLDINGS INC COM COMMON STOCK 59516C106 1 500 SH   SOLE   500 0 0
MONDELEZ INTL INC COMMON STOCK 609207105 653 10,523 SH   SOLE   10,023 0 500
MONDELEZ INTL INC COMMON STOCK 609207105 595 9,578 SH   DFND   8,142 1,436 0
MORGAN STANLEY DEAN WITTER DISCOVER & CO COMMON STOCK 617446448 334 4,389 SH   SOLE   4,389 0 0
MORGAN STANLEY DEAN WITTER DISCOVER & CO COMMON STOCK 617446448 9 115 SH   DFND   115 0 0
NBT BANCORP INC COM COMMON STOCK 628778102 827 22,000 SH   SOLE   22,000 0 0
NOV INC COM COMMON STOCK 62955J103 7 400 SH   DFND   400 0 0
NETFLIX INC COM COMMON STOCK 64110L106 61 350 SH   DFND   350 0 0
NEW YORK TIMES CO CL A COMMON STOCK 650111107 17 600 SH   SOLE   600 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 930 12,010 SH   SOLE   12,010 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 1,428 18,432 SH   DFND   16,232 2,200 0
NIKE INC CL B COMMON STOCK 654106103 1,083 10,598 SH   SOLE   9,812 786 0
NIKE INC CL B COMMON STOCK 654106103 130 1,275 SH   DFND   1,275 0 0
NOKIA CORP SPONSORED ADR FOREIGN EQUITIES 654902204 0 15 SH   SOLE   15 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 1,002 4,408 SH   SOLE   4,349 59 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 74 325 SH   DFND   225 100 0
NORWOOD FINANCIAL CORPORATION COMMON STOCK 669549107 86 3,555 SH   SOLE   3,555 0 0
NOVARTIS AG COMMON STOCK 66987V109 147 1,734 SH   SOLE   1,442 0 292
NOVARTIS AG COMMON STOCK 66987V109 113 1,342 SH   DFND   1,050 292 0
NOVO-NORDISK A S ADR FOREIGN EQUITIES 670100205 11 100 SH   DFND   100 0 0
NOW INC COMMON STOCK 67011P100 1 100 SH   DFND   100 0 0
NUCOR CORP COMMON STOCK 670346105 52 500 SH   SOLE   500 0 0
NUVEEN REAL ESTATE INCOME FD MUTUAL FUNDS-ETF FIXED INCOME 67071B108 2 200 SH   SOLE   200 0 0
OREILLY AUTOMOTIVE INC COM COMMON STOCK 67103H107 63 100 SH   DFND   100 0 0
OCCIDENTAL PETE CORP DEL COM COMMON STOCK 674599105 148 2,513 SH   SOLE   2,513 0 0
OCCIDENTAL PETE CORP DEL COM COMMON STOCK 674599105 24 400 SH   DFND   0 400 0
ORACLE CORP COM COMMON STOCK 68389X105 1,163 16,642 SH   SOLE   14,642 2,000 0
ORACLE CORP COM COMMON STOCK 68389X105 49 700 SH   DFND   400 300 0
ORGANON & CO COMMON STOCK COMMON STOCK 68622V106 7 220 SH   SOLE   220 0 0
ORGANON & CO COMMON STOCK COMMON STOCK 68622V106 19 551 SH   DFND   503 48 0
OTIS WORLDWIDE CORP COM COMMON STOCK 68902V107 6 87 SH   SOLE   87 0 0
OTIS WORLDWIDE CORP COM COMMON STOCK 68902V107 265 3,750 SH   DFND   3,750 0 0
PNC FINL SVCS GROUP INC COM COMMON STOCK 693475105 884 5,603 SH   SOLE   5,303 0 300
PNC FINL SVCS GROUP INC COM COMMON STOCK 693475105 513 3,250 SH   DFND   0 3,250 0
PPG INDS INC COM COMMON STOCK 693506107 43 375 SH   SOLE   375 0 0
PPG INDS INC COM COMMON STOCK 693506107 57 500 SH   DFND   100 400 0
PPL CORP, COM COMMON STOCK 69351T106 904 33,347 SH   SOLE   32,647 0 700
PPL CORP, COM COMMON STOCK 69351T106 264 9,732 SH   DFND   8,532 200 1,000
PAYCHEX INC COM COMMON STOCK 704326107 40 354 SH   SOLE   354 0 0
PAYPAL HLDGS INC COM COMMON STOCK 70450Y103 414 5,934 SH   SOLE   5,934 0 0
PAYPAL HLDGS INC COM COMMON STOCK 70450Y103 63 900 SH   DFND   900 0 0
PELOTON INTERACTIVE INC CL A COM COMMON STOCK 70614W100 1 100 SH   SOLE   100 0 0
PEOPLES FINL SVCS CORP COMMON STOCK 711040105 19,905 356,462 SH   SOLE   237,174 2,794 116,494
PEOPLES FINL SVCS CORP COMMON STOCK 711040105 175 3,136 SH   DFND   0 3,136 0
PEPSICO INC COM COMMON STOCK 713448108 4,954 29,725 SH   SOLE   28,481 944 300
PEPSICO INC COM COMMON STOCK 713448108 264 1,587 SH   DFND   740 847 0
PETMED EXPRESS INC COM COMMON STOCK 716382106 20 1,000 SH   SOLE   1,000 0 0
PFIZER INC COM COMMON STOCK 717081103 3,749 71,506 SH   SOLE   69,705 1,101 700
PFIZER INC COM COMMON STOCK 717081103 1,192 22,743 SH   DFND   16,600 5,643 500
PHILIP MORRIS INTL INC COMMON STOCK 718172109 407 4,117 SH   SOLE   4,117 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109 290 2,940 SH   DFND   1,240 1,700 0
PHILLIPS 66 COMMON STOCK 718546104 303 3,695 SH   SOLE   3,695 0 0
PHILLIPS 66 COMMON STOCK 718546104 194 2,365 SH   DFND   2,365 0 0
PROCTER & GAMBLE CO COM COMMON STOCK 742718109 3,617 25,154 SH   SOLE   23,580 1,074 500
PROCTER & GAMBLE CO COM COMMON STOCK 742718109 2,465 17,141 SH   DFND   10,926 5,815 400
PROSPECT CAP CORP COM COMMON STOCK 74348T102 1 205 SH   SOLE   205 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102 30 312 SH   SOLE   312 0 0
PUBLIC SVC ENTERPRISE GROUP COM COMMON STOCK 744573106 61 964 SH   SOLE   964 0 0
PUBLIC SVC ENTERPRISE GROUP COM COMMON STOCK 744573106 25 400 SH   DFND   400 0 0
QUALCOMM INC COM COMMON STOCK 747525103 1,157 9,061 SH   SOLE   9,061 0 0
QUALCOMM INC COM COMMON STOCK 747525103 255 2,000 SH   DFND   2,000 0 0
RAYTHEON TECHNOLOGIES CORP COM COMMON STOCK 75513E101 164 1,711 SH   SOLE   1,711 0 0
RAYTHEON TECHNOLOGIES CORP COM COMMON STOCK 75513E101 817 8,500 SH   DFND   8,500 0 0
REGIONS FINANCIAL CORP NEW COMMON STOCK 7591EP100 11 570 SH   SOLE   570 0 0
RESIDEO TECHNOLOGIES INC COM COMMON STOCK 76118Y104 0 16 SH   DFND   0 16 0
SHELL PLC SPON ADS COMMON STOCK 780259305 170 3,250 SH   DFND   400 2,850 0
GOLD TRUST MUTUAL FUNDS-ETF EQUITIES 78463V107 84 500 SH   SOLE   500 0 0
SPDR INDEX SHS FDS S&P INTL ETF MUTUAL FUNDS-ETF EQUITIES 78463X772 27 800 SH   SOLE   800 0 0
SANOFI AVENTIS SPONSORED ADR FOREIGN EQUITIES 80105N105 25 500 SH   SOLE   500 0 0
SCHLUMBERGER LTD COM COMMON STOCK 806857108 153 4,287 SH   SOLE   3,887 0 400
SCHLUMBERGER LTD COM COMMON STOCK 806857108 7 200 SH   DFND   0 200 0
SCHWAB STRATEGIC TR US BRD MKT ETF MUTUAL FUNDS-ETF EQUITIES 808524102 102 2,300 SH   SOLE   2,300 0 0
SPDR MATERIALS COMMON STOCK 81369Y100 325 4,418 SH   SOLE   4,220 198 0
SPDR MATERIALS COMMON STOCK 81369Y100 16 219 SH   DFND   219 0 0
SPDR HEALTH CARE COMMON STOCK 81369Y209 409 3,191 SH   SOLE   3,071 120 0
SPDR HEALTH CARE COMMON STOCK 81369Y209 13 100 SH   DFND   100 0 0
SPDR STAPLES COMMON STOCK 81369Y308 35 479 SH   SOLE   479 0 0
SPDR DISCRETIONARY COMMON STOCK 81369Y407 236 1,714 SH   SOLE   1,714 0 0
SPDR DISCRETIONARY COMMON STOCK 81369Y407 39 285 SH   DFND   285 0 0
SPDR ENERGY COMMON STOCK 81369Y506 624 8,723 SH   SOLE   5,796 2,927 0
SPDR ENERGY COMMON STOCK 81369Y506 39 550 SH   DFND   425 125 0
SPDR FINANCIALS COMMON STOCK 81369Y605 312 9,934 SH   SOLE   9,934 0 0
SPDR FINANCIALS COMMON STOCK 81369Y605 16 500 SH   DFND   500 0 0
SPDR INDUSTRIALS COMMON STOCK 81369Y704 109 1,249 SH   SOLE   1,249 0 0
SPDR TECHNOLOGY COMMON STOCK 81369Y803 797 6,270 SH   SOLE   6,270 0 0
SPDR COMMUNICATION COMMON STOCK 81369Y852 705 12,993 SH   SOLE   12,129 864 0
SPDR COMMUNICATION COMMON STOCK 81369Y852 16 300 SH   DFND   300 0 0
SPDR REAL ESTATE COMMON STOCK 81369Y860 115 2,810 SH   SOLE   2,810 0 0
SPDR UTILITIES COMMON STOCK 81369Y886 1,169 16,675 SH   SOLE   14,059 2,616 0
SNAP INC CL A COMMON STOCK 83304A106 3 200 SH   SOLE   200 0 0
SOFI TECHNOLOGIES INC COM COMMON STOCK 83406F102 2 400 SH   SOLE   400 0 0
SOUTH JERSEY INDUSTRIES INC COMMON STOCK 838518108 68 2,000 SH   SOLE   2,000 0 0
SOUTHERN CO COM COMMON STOCK 842587107 1,136 15,932 SH   SOLE   14,932 300 700
SOUTHERN CO COM COMMON STOCK 842587107 642 9,000 SH   DFND   8,800 200 0
SOUTHWESTERN ENERGY COMMON STOCK 845467109 13 2,000 SH   SOLE   2,000 0 0
SPROTT PHYSICAL SILVER TR TR UNIT COMMON STOCK 85207K107 35 5,000 SH   DFND   5,000 0 0
STARBUCKS CORP COM COMMON STOCK 855244109 138 1,805 SH   SOLE   1,405 400 0
STARBUCKS CORP COM COMMON STOCK 855244109 214 2,800 SH   DFND   2,800 0 0
STATE STR CORP COM COMMON STOCK 857477103 282 4,568 SH   SOLE   4,568 0 0
STATE STR CORP COM COMMON STOCK 857477103 25 400 SH   DFND   400 0 0
SUNCOR ENERGY INC NEW COM FOREIGN EQUITIES 867224107 32 913 SH   SOLE   913 0 0
SUNCOR ENERGY INC NEW COM FOREIGN EQUITIES 867224107 11 300 SH   DFND   300 0 0
SUNDIAL GROWERS INC COM COMMON STOCK 86730L109 0 1,000 SH   SOLE   1,000 0 0
SUNPOWER CORP COMMON STOCK 867652406 0 30 SH   DFND   30 0 0
SYNCHRONY FINANCIAL COM COMMON STOCK 87165B103 7 250 SH   SOLE   250 0 0
SYSCO CORP COM COMMON STOCK 871829107 220 2,600 SH   SOLE   2,300 300 0
SYSCO CORP COM COMMON STOCK 871829107 42 500 SH   DFND   0 500 0
TJX COMPANIES COMMON STOCK 872540109 11 200 SH   SOLE   0 0 200
TAIWAN SEMICONDUCTOR ADR FOREIGN EQUITIES 874039100 4 50 SH   SOLE   50 0 0
TARGET CORP COMMON STOCK 87612E106 874 6,186 SH   SOLE   5,609 506 71
TELEDYNE TECHNOLOGIES INC COMMON STOCK 879360105 14 37 SH   SOLE   37 0 0
TESLA MOTORS, INC COMMON STOCK 88160R101 81 120 SH   SOLE   120 0 0
TESLA MOTORS, INC COMMON STOCK 88160R101 7 10 SH   DFND   10 0 0
THERMO FISCHER SCIENTIFIC COMMON STOCK 883556102 305 561 SH   SOLE   469 92 0
3M CO COMMON STOCK 88579Y101 1,184 9,151 SH   SOLE   9,051 0 100
3M CO COMMON STOCK 88579Y101 472 3,650 SH   DFND   3,300 350 0
TITAN MEDICAL INC. FOREIGN EQUITIES 88830X819 0 33 SH   SOLE   33 0 0
TOOTSIE ROLL IND INC COMMON STOCK 890516107 19 530 SH   SOLE   530 0 0
TORONTO DOMINION BK ONT COM NEW COMMON STOCK 891160509 9 130 SH   SOLE   130 0 0
TRAVELERS COMPANIES INC COM COMMON STOCK 89417E109 78 459 SH   SOLE   459 0 0
TRUIST FINL CORP COM COMMON STOCK 89832Q109 26 544 SH   SOLE   544 0 0
TWITTER INC. COMMON STOCK 90184L102 15 400 SH   SOLE   400 0 0
US BANCORP DEL COMMON STOCK 902973304 568 12,337 SH   SOLE   10,537 1,800 0
US BANCORP DEL COMMON STOCK 902973304 55 1,200 SH   DFND   1,000 200 0
UNION PAC CORP COM COMMON STOCK 907818108 1,840 8,628 SH   SOLE   8,628 0 0
UNITED PARCEL SERVICE INC CL B COMMON STOCK 911312106 765 4,190 SH   SOLE   3,484 406 300
UNITED PARCEL SERVICE INC CL B COMMON STOCK 911312106 119 650 SH   DFND   650 0 0
UNITED STATES STL CORP NEW COM COMMON STOCK 912909108 1 62 SH   SOLE   62 0 0
VANECK VECTORS ETF TR GOLD MINERS ETF COMMON STOCK 92189F106 55 2,000 SH   DFND   2,000 0 0
VANGUARD TOTAL INTL STOCK VG TL INTL STK F MUTUAL FUNDS-ETF EQUITIES 921909768 995 19,278 SH   SOLE   19,278 0 0
VANGUARD TOTAL INTL STOCK VG TL INTL STK F MUTUAL FUNDS-ETF EQUITIES 921909768 29 571 SH   DFND   571 0 0
VANGUARD B SHORT TERM BOND MUTUAL FUNDS-ETF FIXED INCOME 921937827 48 625 SH   DFND   0 625 0
VANGUARD BD INDEX FD INC TOTAL BD MARKET MUTUAL FUNDS-ETF FIXED INCOME 921937835 47 619 SH   DFND   0 619 0
VANGUARD FTSE DEVELOPED MARKET ETF MUTUAL FUNDS-ETF EQUITIES 921943858 10 234 SH   SOLE   234 0 0
VANGUARD INFORMATION TECH ETF MUTUAL FUNDS-ETF EQUITIES 92204A702 65 198 SH   SOLE   198 0 0
VANGUARD INTL EQUITY INDEX FALLWRLD EX US MUTUAL FUNDS-ETF EQUITIES 922042775 6 120 SH   SOLE   120 0 0
VANGUARD EMERGING MARKETS ETF MUTUAL FUNDS-ETF EQUITIES 922042858 58 1,400 SH   SOLE   1,400 0 0
VANGUARD EMERGING MARKETS ETF MUTUAL FUNDS-ETF EQUITIES 922042858 12 300 SH   DFND   300 0 0
VANGUARD RUSSELL ETF MUTUAL FUNDS-ETF EQUITIES 92206C599 127 751 SH   SOLE   751 0 0
VECTRUS INC. COMMON STOCK 92242T101 0 11 SH   DFND   11 0 0
VANGUARD INDEX FUND MUTUAL FUNDS-ETF EQUITIES 922908363 547 1,576 SH   SOLE   1,576 0 0
VANGUARD INDEX FUND MUTUAL FUNDS-ETF EQUITIES 922908363 56 160 SH   DFND   160 0 0
VANGUARD REAL ESTATE COMMON STOCK 922908553 1,167 12,812 SH   SOLE   11,355 1,190 267
VANGUARD REAL ESTATE COMMON STOCK 922908553 114 1,255 SH   DFND   1,000 255 0
VANGUARD MID CAP ETF MUTUAL FUNDS-ETF EQUITIES 922908629 363 1,843 SH   SOLE   1,713 130 0
VANGUARD MID CAP ETF MUTUAL FUNDS-ETF EQUITIES 922908629 31 158 SH   DFND   58 100 0
VANGUARD INDEX FDS EXTEND MKT ETF MUTUAL FUNDS-ETF EQUITIES 922908652 1,483 11,314 SH   SOLE   11,314 0 0
VANGUARD INDEX FDS EXTEND MKT ETF MUTUAL FUNDS-ETF EQUITIES 922908652 10 79 SH   DFND   79 0 0
VANGUARD GROWTH ETF MUTUAL FUNDS-ETF EQUITIES 922908736 22 100 SH   SOLE   100 0 0
VANGUARD VALUE ETF MUTUAL FUNDS-ETF EQUITIES 922908744 13 100 SH   SOLE   100 0 0
VANGUARD SMALL CAP ETF MUTUAL FUNDS-ETF EQUITIES 922908751 865 4,909 SH   SOLE   4,775 134 0
VANGUARD SMALL CAP ETF MUTUAL FUNDS-ETF EQUITIES 922908751 64 365 SH   DFND   265 100 0
VERIZON COMMUNICATIONS COM COMMON STOCK 92343V104 2,437 48,026 SH   SOLE   44,834 2,092 1,100
VERIZON COMMUNICATIONS COM COMMON STOCK 92343V104 902 17,770 SH   DFND   10,693 4,577 2,500
VIATRIS INC COM COMMON STOCK 92556V106 30 2,876 SH   SOLE   2,876 0 0
VIATRIS INC COM COMMON STOCK 92556V106 25 2,392 SH   DFND   1,686 644 62
VISA CLASS A COMMON STOCK 92826C839 424 2,155 SH   SOLE   2,155 0 0
VISA CLASS A COMMON STOCK 92826C839 413 2,100 SH   DFND   2,000 100 0
VODAFONE GROUP PLC FOREIGN EQUITIES 92857W308 586 37,612 SH   SOLE   37,340 0 272
VODAFONE GROUP PLC FOREIGN EQUITIES 92857W308 226 14,500 SH   DFND   14,500 0 0
WEC ENERGY GROUP INC COM COMMON STOCK 92939U106 33 326 SH   SOLE   326 0 0
WABTEC CORP COM COMMON STOCK 929740108 0 5 SH   SOLE   5 0 0
WABTEC CORP COM COMMON STOCK 929740108 3 37 SH   DFND   13 24 0
WAL MART STORES INC COM COMMON STOCK 931142103 728 5,988 SH   SOLE   5,988 0 0
WAL MART STORES INC COM COMMON STOCK 931142103 106 875 SH   DFND   875 0 0
WALGREENS BOOTS ALLIANCE COMMON STOCK 931427108 90 2,375 SH   SOLE   1,975 0 400
WALGREENS BOOTS ALLIANCE COMMON STOCK 931427108 23 600 SH   DFND   500 100 0
WARNER BROS DISCOVERY INC COM SER A COMMON STOCK 934423104 73 5,420 SH   SOLE   5,348 72 0
WARNER BROS DISCOVERY INC COM SER A COMMON STOCK 934423104 70 5,234 SH   DFND   4,777 457 0
WASTE MANAGEMENT INC NEW COMMON STOCK 94106L109 381 2,489 SH   SOLE   2,489 0 0
WELLS FARGO & CO NEW COM COMMON STOCK 949746101 729 18,617 SH   SOLE   17,517 1,100 0
WELLS FARGO & CO NEW COM COMMON STOCK 949746101 51 1,300 SH   DFND   1,300 0 0
WEYERHAEUSER CO COM COMMON STOCK 962166104 57 1,732 SH   SOLE   1,732 0 0
WEYERHAEUSER CO COM COMMON STOCK 962166104 46 1,400 SH   DFND   0 1,400 0
XCEL ENERGY INC COMMON STOCK 98389B100 241 3,400 SH   SOLE   3,400 0 0
XYLEM INC COMMON STOCK 98419M100 360 4,605 SH   SOLE   3,590 1,015 0
XYLEM INC COMMON STOCK 98419M100 109 1,400 SH   DFND   1,300 100 0
ZIMVIE INC COM COMMON STOCK 98888T107 3 194 SH   DFND   194 0 0
ZIMMER HLDGS INC COM COMMON STOCK 98956P102 204 1,940 SH   DFND   1,940 0 0
ZOETIS INC CL A COMMON STOCK 98978V103 124 724 SH   SOLE   724 0 0
ZOOM VIDEO COMMUNICATIONS INCL A COMMON STOCK 98980L101 3 25 SH   SOLE   25 0 0