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
Expires: July 31, 2015
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
AON PLC NPV COMMON STOCK G0403H108 22,764 64 SH SOLE 64 0 0
ACCENTURE PLC FOREIGN EQUITIES G1151C101 751,571 2,814 SH SOLE 2,696 0 118
ACCENTURE PLC FOREIGN EQUITIES G1151C101 253,735 950 SH DFND 950 0 0
EATON CORP PLC FOREIGN EQUITIES G29183103 141,573 368 SH SOLE 368 0 0
JOHNSON CTLS INTL PLC FOREIGN EQUITIES G51502105 15,225 145 SH SOLE 145 0 0
LINDE PLC NPV COMMON STOCK G54950103 484,178 1,052 SH SOLE 1,004 0 48
LINDE PLC NPV COMMON STOCK G54950103 46,026 100 SH DFND 100 0 0
MEDTRONIC PLC FOREIGN EQUITIES G5960L103 13,536 150 SH SOLE 150 0 0
ALCON INC CHF FOREIGN EQUITIES H01301128 3,502 40 SH DFND 40 0 0
CHUBB LTD CHF COMMON STOCK H1467J104 89,384 336 SH SOLE 336 0 0
UBS GROUP AG COMMON STOCK H42097107 15,301 410 SH SOLE 410 0 0
NXP SEMICONDUCTORS NV FOREIGN EQUITIES N6596X109 137,881 645 SH SOLE 645 0 0
AFLAC INCORPORATED COMMON STOCK 001055102 171,394 1,725 SH SOLE 1,725 0 0
AFLAC INCORPORATED COMMON STOCK 001055102 29,808 300 SH DFND 300 0 0
AT&T INC COMMON STOCK 00206R102 385,568 14,072 SH SOLE 14,072 0 0
AT&T INC COMMON STOCK 00206R102 41,100 1,500 SH DFND 1,500 0 0
ABBOTT LABS COM COMMON STOCK 002824100 921,810 7,305 SH SOLE 7,305 0 0
ABBOTT LABS COM COMMON STOCK 002824100 169,093 1,340 SH DFND 1,340 0 0
ABBVIE INC COMMON STOCK 00287Y109 659,480 3,489 SH SOLE 3,489 0 0
ABBVIE INC COMMON STOCK 00287Y109 233,439 1,235 SH DFND 935 0 300
ADOBE SYSTEMS INC COMMON STOCK 00724F101 284,003 794 SH SOLE 794 0 0
ADVANCED MICRO DEVICES COMMON STOCK 007903107 17,631 100 SH DFND 100 0 0
AIR PRODUCTS AND CHEMICALS INC. COMMON STOCK 009158106 35,983 125 SH SOLE 125 0 0
ALPHABET INC COMMON STOCK 02079K107 389,188 2,018 SH SOLE 2,018 0 0
ALPHABET INC COMMON STOCK 02079K107 46,286 240 SH DFND 240 0 0
ALPHABET INC COMMON STOCK 02079K305 2,961,193 15,431 SH SOLE 15,160 0 271
ALPHABET INC COMMON STOCK 02079K305 46,056 240 SH DFND 240 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 181,883 2,937 SH SOLE 2,937 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 43,351 700 SH DFND 300 0 400
AMAZON.COM INC COMMON STOCK 023135106 2,393,276 10,223 SH SOLE 10,081 0 142
AMAZON.COM INC COMMON STOCK 023135106 117,055 500 SH DFND 500 0 0
AMEREN CORP COMMON STOCK 023608102 20,226 200 SH SOLE 200 0 0
AMERICA MOVIL S.A.B. DE C.V. FOREIGN EQUITIES 02390A101 12,642 700 SH SOLE 700 0 0
AMENTUM HOLDINGS INC COMMON STOCK 023939101 3,343 134 SH SOLE 134 0 0
AMERICAN ELEC PWR INC COM COMMON STOCK 025537101 26,022 230 SH SOLE 230 0 0
AMERICAN EXPRESS CO COM COMMON STOCK 025816109 761,712 2,545 SH SOLE 2,545 0 0
AMERICAN TOWER REIT COMMON STOCK 03027X100 544,513 2,613 SH SOLE 2,613 0 0
AMERICAN WTR WKS CO INC NEW COM COMMON STOCK 030420103 450,571 3,213 SH SOLE 3,045 0 168
AMGEN INC. COMMON STOCK 031162100 369,152 1,251 SH SOLE 1,251 0 0
ANALOG DEVICES INC COMMON STOCK 032654105 56,605 252 SH SOLE 252 0 0
APPLE INCORPORATED COMMON STOCK 037833100 4,214,253 20,303 SH SOLE 20,065 0 238
APPLE INCORPORATED COMMON STOCK 037833100 252,612 1,217 SH DFND 1,217 0 0
APPLIED MATERIALS COM COMMON STOCK 038222105 370,380 2,057 SH SOLE 2,057 0 0
ARM HOLDINGS PLC COMMON STOCK 042068205 16,257 115 SH SOLE 115 0 0
AUTOMATIC DATA PROCESSING COM COMMON STOCK 053015103 1,518,091 4,905 SH SOLE 4,905 0 0
AUTOMATIC DATA PROCESSING COM COMMON STOCK 053015103 312,595 1,010 SH DFND 880 0 130
BAKER HUGHES INC. CL A COMMON COMMON STOCK 05722G100 3,511 78 SH SOLE 78 0 0
BANK OF AMERICA CORP NEW COMMON STOCK 060505104 532,679 11,269 SH SOLE 11,269 0 0
BECTON DICKINSON & CO. COMMON STOCK 075887109 70,230 394 SH SOLE 394 0 0
BERKSHIRE HATHAWAY INC COM COMMON STOCK 084670108 23,035,200 32 SH SOLE 32 0 0
BERKSHIRE HATHAWAY INC. DEL CL B COMMON STOCK 084670702 586,542 1,243 SH SOLE 1,243 0 0
ISHARES SHORT-TERM CALIFORNIA MUNI ACTIVE ETF ETF - INTERM 092528884 284,600 5,639 SH SOLE 5,639 0 0
ISHARES SHORT-TERM CALIFORNIA MUNI ACTIVE ETF ETF - INTERM 092528884 46,180 915 SH DFND 0 915 0
BLACKSTONE GROUP INC COMMON STOCK 09260D107 1,435,373 8,299 SH SOLE 8,057 0 242
BLACKSTONE GROUP INC COMMON STOCK 09260D107 7,783 45 SH DFND 45 0 0
BLACKROCK INTERNATIONAL DIVIDEND ETF ETF - DEVELOPED INTL 09290C848 385,178 14,640 SH SOLE 14,640 0 0
BLACKROCK INC NEW NPV COMMON STOCK 09290D101 457,885 414 SH SOLE 414 0 0
BRISTOL MYERS SQUIBB CO COM COMMON STOCK 110122108 368,866 8,517 SH SOLE 8,517 0 0
BRISTOL MYERS SQUIBB CO COM COMMON STOCK 110122108 55,436 1,280 SH DFND 860 0 420
BROADRIDGE FINL SOLUTIONS COMMON STOCK 11133T103 153,456 620 SH SOLE 620 0 0
BROADCOM INC COMMON STOCK 11135F101 1,395,893 4,753 SH SOLE 4,548 0 205
BROADCOM INC COMMON STOCK 11135F101 9,398 32 SH DFND 32 0 0
CBRE GROUP INC CL A COMMON STOCK 12504L109 135,173 868 SH SOLE 732 0 136
CIGNA CORPORATION COMMON STOCK 125523100 18,449 69 SH SOLE 69 0 0
CME GROUP INC COMMON STOCK 12572Q105 390,680 1,404 SH SOLE 1,271 0 133
CSX CORP COM COMMON STOCK 126408103 135,052 3,800 SH SOLE 3,800 0 0
CVS HEALTH CORP COM COMMON STOCK 126650100 151,397 2,438 SH SOLE 2,438 0 0
CARRIER GLOBAL CORP COMMON STOCK 14448C104 77,116 1,124 SH SOLE 1,124 0 0
CASEYS GEN STORES COMMON STOCK 147528103 547,676 1,053 SH SOLE 1,000 0 53
CASEYS GEN STORES COMMON STOCK 147528103 9,882 19 SH DFND 19 0 0
CATERPILLAR INC COM COMMON STOCK 149123101 644,303 1,471 SH SOLE 1,471 0 0
CATERPILLAR INC COM COMMON STOCK 149123101 41,610 95 SH DFND 95 0 0
CHEVRON CORPORATION COM COMMON STOCK 166764100 1,069,496 7,053 SH SOLE 7,053 0 0
CHIPOTLE MEXICAN GRILL COMMON STOCK 169656105 48,796 1,138 SH SOLE 1,138 0 0
CHURCH & DWIGHT CO.INC COMMON STOCK 171340102 131,278 1,400 SH SOLE 1,400 0 0
CISCO SYSTEMS INC COM COMMON STOCK 17275R102 600,049 8,814 SH SOLE 8,814 0 0
CITIGROUP INC COMMON STOCK 172967424 143,173 1,528 SH SOLE 1,528 0 0
CITIGROUP INC COMMON STOCK 172967424 37,480 400 SH DFND 400 0 0
CLOROX CO CALIF COM STK COMMON STOCK 189054109 103,460 824 SH SOLE 824 0 0
COCA COLA COMPANY COM COMMON STOCK 191216100 465,248 6,854 SH SOLE 6,854 0 0
COCA COLA COMPANY COM COMMON STOCK 191216100 16,970 250 SH DFND 250 0 0
COLGATE PALMOLIVE CO COM COMMON STOCK 194162103 25,907 309 SH SOLE 309 0 0
COMCAST CORP NEW CL A COMMON STOCK 20030N101 37,505 1,129 SH SOLE 1,129 0 0
COMCAST CORP NEW CL A COMMON STOCK 20030N101 29,898 900 SH DFND 900 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 122,507 1,285 SH SOLE 1,285 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 30,985 325 SH DFND 0 0 325
CONSOLIDATED EDISON INC COM COMMON STOCK 209115104 93,874 907 SH SOLE 907 0 0
CORTEVA, INC. COMMON STOCK 22052L104 29,067 403 SH SOLE 403 0 0
COSTCO WHOLESALE CORPORATION COMMON STOCK 22160K105 2,034,296 2,165 SH SOLE 2,143 0 22
COSTCO WHOLESALE CORPORATION COMMON STOCK 22160K105 244,306 260 SH DFND 260 0 0
CROWDSTIKE HOLDINGS INC. COMMON STOCK 22788C105 45,457 100 SH SOLE 100 0 0
CUMMINS INC COMMON STOCK 231021106 237,471 646 SH SOLE 646 0 0
DTE ENERGY CO COMMON STOCK 233331107 13,841 100 SH SOLE 100 0 0
DANAHER CORP COMMON STOCK 235851102 559,135 2,836 SH SOLE 2,836 0 0
DANAHER CORP COMMON STOCK 235851102 25,630 130 SH DFND 130 0 0
DARDEN RESTAURANTS, INC COM COMMON STOCK 237194105 30,250 150 SH SOLE 150 0 0
DEERE & COMPANY COMMON STOCK 244199105 208,694 398 SH SOLE 398 0 0
DEERE & COMPANY COMMON STOCK 244199105 62,923 120 SH DFND 120 0 0
WALT DISNEY COMPANY COM COMMON STOCK 254687106 193,075 1,621 SH SOLE 1,621 0 0
WALT DISNEY COMPANY COM COMMON STOCK 254687106 53,599 450 SH DFND 450 0 0
DOMINION RES INC VA NEW COM COMMON STOCK 25746U109 96,149 1,645 SH SOLE 1,645 0 0
DOMINION RES INC VA NEW COM COMMON STOCK 25746U109 17,535 300 SH DFND 0 0 300
DOMINO'S PIZZA INC COMMON STOCK 25754A201 4,168 9 SH DFND 9 0 0
DOW INC COM COMMON STOCK 260557103 6,402 275 SH SOLE 275 0 0
DOW INC COM COMMON STOCK 260557103 7,053 303 SH DFND 20 0 283
DUKE ENERGY CORP NEW COMMON STOCK 26441C204 264,196 2,172 SH SOLE 2,172 0 0
DUKE ENERGY CORP NEW COMMON STOCK 26441C204 109,596 901 SH DFND 751 0 150
DUPONT DE NEMOURS, INC. COMMON STOCK 26614N102 35,302 491 SH SOLE 491 0 0
DUPONT DE NEMOURS, INC. COMMON STOCK 26614N102 1,438 20 SH DFND 20 0 0
EOG RES INC COMMON STOCK 26875P101 378,651 3,155 SH SOLE 3,004 0 151
ECOLAB INC COMMON STOCK 278865100 54,445 208 SH SOLE 208 0 0
EMERSON ELEC CO COM COMMON STOCK 291011104 126,881 872 SH SOLE 872 0 0
EMERSON ELEC CO COM COMMON STOCK 291011104 203,714 1,400 SH DFND 1,400 0 0
ENBRIDGE INC NPV FOREIGN EQUITIES 29250N105 654,022 14,441 SH SOLE 14,441 0 0
ENBRIDGE INC NPV FOREIGN EQUITIES 29250N105 317,979 7,021 SH DFND 6,335 0 686
ENTERGY CORPORATION COMMON STOCK 29364G103 22,607 250 SH SOLE 250 0 0
EQUINIX INC COM PAR $0.001 COMMON STOCK 29444U700 73,019 93 SH SOLE 93 0 0
ESCO TECHNOLOGIES INC COMMON STOCK 296315104 41,064 212 SH SOLE 212 0 0
EVERSOURCE ENERGY COMMON STOCK 30040W108 830,479 12,564 SH SOLE 12,564 0 0
EXXON MOBIL CORP COM COMMON STOCK 30231G102 3,248,477 29,098 SH SOLE 28,911 0 187
EXXON MOBIL CORP COM COMMON STOCK 30231G102 215,465 1,930 SH DFND 1,530 0 400
META PLATFORMS COMMON STOCK 30303M102 1,463,322 1,892 SH SOLE 1,823 0 69
META PLATFORMS COMMON STOCK 30303M102 116,016 150 SH DFND 150 0 0
FASTENAL COMMON STOCK 311900104 18,452 400 SH DFND 400 0 0
FEDEX CORPORATION COMMON STOCK 31428X106 71,962 322 SH SOLE 322 0 0
FEDEX CORPORATION COMMON STOCK 31428X106 22,349 100 SH DFND 100 0 0
FISERV INC COMMON STOCK 337738108 236,198 1,700 SH SOLE 1,700 0 0
FLEXSHARES 3 YEAR DURATION TIPS ETF ETF - INFLATION PROTECTED 33939L506 1,958 81 SH SOLE 81 0 0
FREEPORT-MCMORAN COPPER COMMON STOCK 35671D857 6,034 150 SH SOLE 150 0 0
GE HEALTHCARE TECHNOLOGIES, INC. COMMON STOCK 36266G107 17,613 247 SH SOLE 247 0 0
GE VERNOVA INC. COMMON STOCK 36828A101 435,776 660 SH SOLE 627 0 33
GENERAL DYNAMICS CORP COMMON STOCK 369550108 135,233 434 SH SOLE 434 0 0
GE AEROSPACE COMMON STOCK 369604301 823,499 3,038 SH SOLE 2,864 0 174
GENERAL MILLS INC COM COMMON STOCK 370334104 104,549 2,135 SH SOLE 2,135 0 0
GENERAL MILLS INC COM COMMON STOCK 370334104 9,794 200 SH DFND 200 0 0
GENUINE PARTS CO COMMON STOCK 372460105 25,776 200 SH SOLE 200 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 23,019 205 SH SOLE 205 0 0
GLAXO SMITHKLINE PLC ADR NEW COMMON STOCK 37733W204 98,083 2,641 SH SOLE 2,641 0 0
GOLDMAN SACHS GROUP COMMON STOCK 38141G104 78,869 109 SH SOLE 109 0 0
HP INC COMMON STOCK 40434L105 31,309 1,263 SH SOLE 1,263 0 0
HEICO CORP COMMON STOCK 422806109 5,555 17 SH DFND 17 0 0
HEWLETT PACKARD ENT CO COMMON STOCK 42824C109 26,118 1,263 SH SOLE 1,263 0 0
THE HOME DEPOT, INC COMMON STOCK 437076102 860,316 2,341 SH SOLE 2,264 0 77
THE HOME DEPOT, INC COMMON STOCK 437076102 358,322 975 SH DFND 975 0 0
HONEYWELL INTL INC COM COMMON STOCK 438516106 826,249 3,716 SH SOLE 3,716 0 0
IDACORP INC. COMMON STOCK 451107106 93,997 750 SH SOLE 750 0 0
IDEXX LABORATORIES INC COMMON STOCK 45168D104 2,137,200 4,000 SH SOLE 0 0 4,000
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109 38,395 150 SH DFND 150 0 0
INTEL CORP COM COMMON STOCK 458140100 2,750 139 SH SOLE 139 0 0
INTERCONTINENTAL EXCHANGE COMMON STOCK 45866F104 158,212 856 SH SOLE 856 0 0
INTERCONTINENTAL EXCHANGE COMMON STOCK 45866F104 73,932 400 SH DFND 400 0 0
INTERNAT'L BUSINESS MACHINES COM COMMON STOCK 459200101 309,848 1,224 SH SOLE 1,224 0 0
INTERNAT'L BUSINESS MACHINES COM COMMON STOCK 459200101 227,834 900 SH DFND 900 0 0
INVESCO QQ ETF - LARGE CAP 46090E103 1,150,924 2,037 SH SOLE 2,037 0 0
INTUIT COM COMMON STOCK 461202103 553,516 705 SH SOLE 705 0 0
INVESCO S&P 500 QUALITY ETF ETF - LARGE CAP 46137V241 33,497,971 469,293 SH SOLE 457,414 0 11,879
INVESCO S&P 500 QUALITY ETF ETF - LARGE CAP 46137V241 18,201 255 SH DFND 255 0 0
INVESCO EXCHNG TRADED FD TR GLOBAL WATER ETF - LARGE CAP 46138E651 43,056 979 SH SOLE 979 0 0
ISHARES SELECT DIVIDEND ETF ETF - MID CAP 464287168 1,736,726 12,860 SH SOLE 12,860 0 0
ISHARES SELECT DIVIDEND ETF ETF - MID CAP 464287168 47,131 349 SH DFND 349 0 0
ISHARES CORE S&P 500 ETF ETF - LARGE CAP 464287200 591,074 931 SH SOLE 931 0 0
ISHARES CORE TOTAL U S BOND MARKET ETF ETF - INTERM 464287226 818,044 8,295 SH SOLE 8,295 0 0
ISHARES MSCI EMERGING MKTS INDEX ETF - EMERGING INTL 464287234 218,858 4,507 SH SOLE 4,507 0 0
ISHARES MSCI EMERGING MKTS INDEX ETF - EMERGING INTL 464287234 21,123 435 SH DFND 435 0 0
ISHARES IBOXX $ INV GRADE CORP BOND ETF ETF - INTERM 464287242 62,083 569 SH SOLE 569 0 0
ISHARES GLOBAL COMMUNICATION SERVICES ETF ETF - LARGE CAP 464287275 8,287 73 SH SOLE 73 0 0
ISHARES S&P GROWTH INDEX FUND ETF - LARGE CAP 464287309 1,163,940 10,219 SH SOLE 10,219 0 0
ISHARES S&P GROWTH INDEX FUND ETF - LARGE CAP 464287309 153,651 1,349 SH DFND 1,349 0 0
ISHARES S&P VALUE INDEX FUND ETF - LARGE CAP 464287408 362,047 1,838 SH SOLE 1,838 0 0
ISHARES S&P VALUE INDEX FUND ETF - LARGE CAP 464287408 60,472 307 SH DFND 307 0 0
ISHS BARCLAYS 1-3 YR TREAS BD FD ETF - SHORT 464287457 44,890 544 SH SOLE 544 0 0
ISHARES MSCI EAFE INDEX ETF - DEVELOPED INTL 464287465 92,595 1,058 SH SOLE 1,058 0 0
ISHARES MSCI EAFE INDEX ETF - DEVELOPED INTL 464287465 30,544 349 SH DFND 349 0 0
ISHARES RUSSELL MIDCAP VALUE INDEX FUND ETF - MID CAP 464287473 267,791 1,990 SH SOLE 1,990 0 0
ISHARES RUSSELL MIDCAP VALUE INDEX FUND ETF - MID CAP 464287473 9,419 70 SH DFND 70 0 0
ISHARES RUSSELL MIDCAP GROWTH INDEX FUND ETF - MID CAP 464287481 112,426 795 SH SOLE 795 0 0
ISHARES RUSSELL MIDCAP GROWTH INDEX FUND ETF - MID CAP 464287481 24,889 176 SH DFND 176 0 0
ISHARES RUSSELL MIDCAP INDEX FUND ETF - EQUITIES 464287499 311,960 3,329 SH SOLE 3,329 0 0
ISHARES CORE S&P MID-CAP ETF ETF - MID CAP 464287507 9,822,365 155,863 SH SOLE 155,616 0 247
NASDAQ BIOTECHNOLOGY I SHARES ETF - EQUITIES 464287556 59,742 450 SH SOLE 450 0 0
NASDAQ BIOTECHNOLOGY I SHARES ETF - EQUITIES 464287556 99,570 750 SH DFND 750 0 0
ISHARES RUSSELL 1000 VALUE INDEX ETF - EQUITIES 464287598 138,357 708 SH SOLE 708 0 0
I SHS RUSSELL 1000 GROWTH INDEX G ETF - LARGE CAP 464287614 972,401 2,208 SH SOLE 2,208 0 0
I SHS RUSSELL 1000 ETF - LARGE CAP 464287622 438,701 1,263 SH SOLE 1,263 0 0
ISHARES RUSSELL 2000 VALUE INDEX FUND ETF - SMALL CAP 464287630 230,956 1,440 SH SOLE 1,440 0 0
ISHARES RUSSELL 2000 VALUE INDEX FUND ETF - SMALL CAP 464287630 9,783 61 SH DFND 61 0 0
ISHARES RUSSELL 2000 GROWTH INDEX FUND ETF - SMALL CAP 464287648 53,382 184 SH SOLE 184 0 0
ISHARES RUSSELL 2000 GROWTH INDEX FUND ETF - SMALL CAP 464287648 17,698 61 SH DFND 61 0 0
ISHARES RUSSELL 2000 INDEX ETF - SMALL CAP 464287655 4,702,111 21,433 SH SOLE 21,433 0 0
ISHARES RUSSELL 2000 INDEX ETF - SMALL CAP 464287655 19,525 89 SH DFND 89 0 0
ISHS RUSSELL 3000 INDEX ETF - LARGE CAP 464287689 207,472 578 SH SOLE 578 0 0
ISHS TR S&P MDCP 400 VALUE ETF ETF - MID CAP 464287705 21,938 176 SH SOLE 176 0 0
ISHARES CORE S&P SMALL-CAP ETF ETF - SMALL CAP 464287804 2,965,592 26,892 SH SOLE 25,366 0 1,526
ISHARES CALIFORNIA MUNI BONDETF ETF - INTERM 464288356 264,511 4,772 SH SOLE 4,772 0 0
ISHARES CALIFORNIA MUNI BONDETF ETF - INTERM 464288356 90,849 1,639 SH DFND 0 1,639 0
ISHARES S&P NATL MUNI BOND FUND ETF - INTERM 464288414 338,198 3,256 SH SOLE 3,256 0 0
ISHARES S&P NATL MUNI BOND FUND ETF - INTERM 464288414 45,598 439 SH DFND 439 0 0
ISHARES HI YIELD CORPORATE BOND ETF - HIGH YIELD 464288513 131,981 1,642 SH SOLE 1,642 0 0
ETF ISHS INTER GOVT CR BD ETF - INTERM 464288612 3,660,724 34,412 SH SOLE 34,412 0 0
ETF ISHS INTER GOVT CR BD ETF - INTERM 464288612 40,956 385 SH DFND 385 0 0
ISHS BARCLAYS INTERMEDIATE TERM CREDIT BOND FD ETF - INTERM 464288638 23,917 450 SH SOLE 450 0 0
ISHARES SHORT-TERM CORP BOND ETF - SHORT 464288646 838,282 15,928 SH SOLE 15,928 0 0
ISHARES SHORT-TERM CORP BOND ETF - SHORT 464288646 5,473 104 SH DFND 104 0 0
ISHARES S&P US PREFERRED STOCK INDEX FUND PREFERRED STOCK 464288687 110,591 3,539 SH SOLE 3,539 0 0
ISHARES TRUST FLOATING RATE BOND ETF ETF - SHORT 46429B655 851,836 16,690 SH SOLE 16,690 0 0
ISHARES EDGE MSCI MIN VOL USA ETF ETF - EQUITIES 46429B697 68,531 740 SH SOLE 740 0 0
ISHARES EDGE MSCI US QULTY FACT ETF ETF - DEVELOPED INTL 46432F339 107,341 583 SH SOLE 583 0 0
ISHARES CORE MSCI EAFE ETF ETF - EMERGING INTL 46432F842 68,851 841 SH SOLE 841 0 0
ISHARES INC CORE MSCI EMERGING MKTS ETF ETF - EMERGING INTL 46434G103 55,381 918 SH SOLE 918 0 0
ISHARES ESG AWARE MSCI EMERGING MKTS FUND ETF - EMERGING INTL 46434G863 137,796 3,493 SH SOLE 3,493 0 0
ISHARES BITCOIN TRUST ETF ETF - EQUITIES 46438F101 59,877 903 SH SOLE 903 0 0
J P MORGAN CHASE & CO COMMON STOCK 46625H100 2,802,302 9,460 SH SOLE 9,336 0 124
J P MORGAN CHASE & CO COMMON STOCK 46625H100 503,590 1,700 SH DFND 1,700 0 0
JACOBS SOLUTIONS INC COMMON STOCK 46982L108 22,698 160 SH SOLE 160 0 0
JOHNSON & JOHNSON COM COMMON STOCK 478160104 825,663 5,012 SH SOLE 5,012 0 0
JOHNSON & JOHNSON COM COMMON STOCK 478160104 28,005 170 SH DFND 125 0 45
KIMBERLY CLARK CORP COM COMMON STOCK 494368103 383,203 3,075 SH SOLE 3,075 0 0
KIMBERLY CLARK CORP COM COMMON STOCK 494368103 65,300 524 SH DFND 524 0 0
KRAFT HEINZ CO COMMON STOCK 500754106 9,688 353 SH SOLE 353 0 0
LAM RESH CORP USD COMMON STOCK 512807306 93,416 985 SH SOLE 985 0 0
ELI LILLY & CO COM COMMON STOCK 532457108 744,504 1,006 SH SOLE 1,006 0 0
ELI LILLY & CO COM COMMON STOCK 532457108 388,536 525 SH DFND 525 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 716,039 1,701 SH SOLE 1,638 0 63
LOCKHEED MARTIN CORP COMMON STOCK 539830109 42,097 100 SH DFND 100 0 0
LOWES COMPANIES INC COM STK COMMON STOCK 548661107 469,715 2,101 SH SOLE 2,101 0 0
MARSH & MCLENNAN COMPANIES, INC COMMON STOCK 571748102 101,989 512 SH SOLE 512 0 0
MARRIOTT INTERNATIONAL INC NEW CLASS A COMMON STOCK 571903202 19,785 75 SH SOLE 75 0 0
MASCO CORPORATION COMMON STOCK 574599106 39,174 575 SH SOLE 575 0 0
MASTERCARD INC COMMON STOCK 57636Q104 1,781,490 3,145 SH SOLE 3,084 0 61
MASTERCARD INC COMMON STOCK 57636Q104 113,292 200 SH DFND 200 0 0
MCCORMICK & CO INC COMMON STOCK 579780206 37,292 528 SH SOLE 528 0 0
MCDONALDS CORP COM COMMON STOCK 580135101 1,097,647 3,658 SH SOLE 3,658 0 0
MCDONALDS CORP COM COMMON STOCK 580135101 180,041 600 SH DFND 600 0 0
MCKESSON CORP COMMON STOCK 58155Q103 196,268 283 SH SOLE 283 0 0
MCKESSON CORP COMMON STOCK 58155Q103 69,353 100 SH DFND 100 0 0
MERCK & CO INC NEW COMMON STOCK 58933Y105 398,404 5,100 SH SOLE 5,100 0 0
MERCK & CO INC NEW COMMON STOCK 58933Y105 16,639 213 SH DFND 0 0 213
METLIFE INC COMMON STOCK 59156R108 174,606 2,299 SH SOLE 2,299 0 0
MICROSOFT CORP COMMON STOCK 594918104 8,087,840 15,160 SH SOLE 14,986 0 174
MICROSOFT CORP COMMON STOCK 594918104 679,678 1,274 SH DFND 1,119 0 155
MICROCHIP TECHNOLOGY INC COMMON STOCK 595017104 163,699 2,422 SH SOLE 2,422 0 0
MICRON TECHNOLOGY INC COM COMMON STOCK 595112103 28,376 260 SH SOLE 260 0 0
MONDELEZ INTL INC COMMON STOCK 609207105 484,894 7,496 SH SOLE 7,136 0 360
MONDELEZ INTL INC COMMON STOCK 609207105 154,348 2,386 SH DFND 2,110 0 276
MORGAN STANLEY COMMON STOCK 617446448 92,456 649 SH SOLE 649 0 0
NBT BANCORP INC COMMON STOCK 628778102 376,763 9,105 SH SOLE 9,105 0 0
NETFLIX INC COMMON STOCK 64110L106 107,824 93 SH SOLE 93 0 0
NETFLIX INC COMMON STOCK 64110L106 231,880 200 SH DFND 200 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 92,731 1,305 SH SOLE 1,305 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 302,004 4,250 SH DFND 4,250 0 0
NIKE INC CL B COMMON STOCK 654106103 73,118 979 SH SOLE 979 0 0
NIKE INC CL B COMMON STOCK 654106103 22,407 300 SH DFND 300 0 0
NORFOLK SOUTHN CORP COM COMMON STOCK 655844108 1,133,684 4,078 SH SOLE 4,078 0 0
NORFOLK SOUTHN CORP COM COMMON STOCK 655844108 139,000 500 SH DFND 500 0 0
NORTH EUROPEAN OIL ROYALTY TRUST COMMON STOCK 659310106 128,797 25,863 SH SOLE 25,863 0 0
NOVARTIS A G ADR COMMON STOCK 66987V109 120,107 1,056 SH SOLE 1,056 0 0
NOVARTIS A G ADR COMMON STOCK 66987V109 96,678 850 SH DFND 850 0 0
NOVO NORDISK AS ADR COMMON STOCK 670100205 346,149 7,356 SH SOLE 6,976 0 380
NOVO NORDISK AS ADR COMMON STOCK 670100205 4,235 90 SH DFND 90 0 0
NUCOR CORP COMMON STOCK 670346105 142,353 995 SH DFND 995 0 0
NVIDIA CORP COMMON STOCK 67066G104 2,915,803 16,393 SH SOLE 16,004 0 389
NVIDIA CORP COMMON STOCK 67066G104 17,787 100 SH DFND 100 0 0
O'REILLY AUTOMOTIVE INC. COMMON STOCK 67103H107 284,636 2,895 SH SOLE 2,895 0 0
OMNICOM GROUP INC COMMON STOCK 681919106 48,699 676 SH SOLE 676 0 0
ORACLE CORPORATION COM COMMON STOCK 68389X105 1,716,481 6,764 SH SOLE 6,436 0 328
ORACLE CORPORATION COM COMMON STOCK 68389X105 88,819 350 SH DFND 350 0 0
OTIS WORLDWIDE CORP COMMON STOCK 68902V107 35,218 411 SH SOLE 411 0 0
PACER DATA AND DIGITAL REVOLUTION ETF - LARGE CAP 69374H386 9,056 146 SH SOLE 146 0 0
PALO ALTO NETWORKS INC COMMON STOCK 697435105 209,527 1,207 SH SOLE 1,098 0 109
PARKER HANNIFIN CORP COMMON STOCK 701094104 204,932 280 SH SOLE 280 0 0
PAYCOM SOFTWARE INC COMMON STOCK 70432V102 116,927 505 SH SOLE 505 0 0
PAYCHEX INC COM STK COMMON STOCK 704326107 173,337 1,201 SH SOLE 1,201 0 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103 11,001 160 SH DFND 160 0 0
PEPSICO, INC COM COMMON STOCK 713448108 894,535 6,486 SH SOLE 6,486 0 0
PEPSICO, INC COM COMMON STOCK 713448108 137,920 1,000 SH DFND 1,000 0 0
PFIZER INC COM COMMON STOCK 717081103 282,245 12,124 SH SOLE 12,124 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109 128,612 784 SH SOLE 784 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109 79,892 487 SH DFND 200 0 287
PHOTRONICS INC COMMON STOCK 719405102 101,800 5,000 SH SOLE 5,000 0 0
T ROWE PRICE GROUP COMMON STOCK 74144T108 20,290 200 SH DFND 200 0 0
PRINCIPAL FINANCIAL GROUP COMMON STOCK 74251V102 15,176 195 SH SOLE 195 0 0
PROCTER & GAMBLE CO COM COMMON STOCK 742718109 1,549,972 10,301 SH SOLE 10,301 0 0
PROCTER & GAMBLE CO COM COMMON STOCK 742718109 165,516 1,100 SH DFND 1,100 0 0
PRUDENTIAL FINL INC COM COMMON STOCK 744320102 43,502 420 SH SOLE 420 0 0
PUBLIC SVC ENTERPRISE GROUP COM COMMON STOCK 744573106 110,441 1,230 SH SOLE 1,230 0 0
RAYTHEON TECHNOLOGIES CORP. COMMON STOCK 75513E101 841,098 5,338 SH SOLE 5,338 0 0
RAYTHEON TECHNOLOGIES CORP. COMMON STOCK 75513E101 156,782 995 SH DFND 795 0 200
SHELL PLC NPV ADR COMMON STOCK 780259305 90,176 1,249 SH SOLE 1,249 0 0
SPDR S&P 500 ETF TRUST ETF - LARGE CAP 78462F103 11,671,960 18,466 SH SOLE 18,466 0 0
SPDR S&P 500 ETF TRUST ETF - LARGE CAP 78462F103 466,474 738 SH DFND 0 738 0
SPDR GOLD TR GOLD SHS ETF - ALTERNATIVE 78463V107 433,218 1,430 SH SOLE 1,430 0 0
SPDR BARCLAYS CAP CONV SEC ETF - INTERM 78464A359 64,878 764 SH SOLE 764 0 0
SPDR S&P DIVIDEND ETF ETF - LARGE CAP 78464A763 1,921,536 14,030 SH SOLE 14,030 0 0
SPDR DOW JONES INDL AVERAGE ETR TR ETF - LARGE CAP 78467X109 104,151 236 SH SOLE 236 0 0
SPDR S&P MIDCAP 400 ETF TR ETF - MID CAP 78467Y107 3,765,050 6,541 SH SOLE 6,541 0 0
SPDR S&P MIDCAP 400 ETF TR ETF - MID CAP 78467Y107 23,600 41 SH DFND 41 0 0
SALESFORCE INC COMMON STOCK 79466L302 40,555 157 SH SOLE 157 0 0
SALESFORCE INC COMMON STOCK 79466L302 30,998 120 SH DFND 120 0 0
SCHLUMBERGER LTD COM STK COMMON STOCK 806857108 5,573 165 SH SOLE 165 0 0
SELECT SECTOR SPDR TR SBI MATERIALS ETF - EQUITIES 81369Y100 87,719 1,000 SH SOLE 1,000 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE ETF - EQUITIES 81369Y209 117,646 902 SH SOLE 902 0 0
SPDR CONSUMER DISCRETIONARY ETF - EQUITIES 81369Y407 86,577 391 SH SOLE 391 0 0
FINANCIAL SELECT SECTOR SPDRETF ETF - EQUITIES 81369Y605 958,498 18,306 SH SOLE 18,306 0 0
FINANCIAL SELECT SECTOR SPDRETF ETF - EQUITIES 81369Y605 28,798 550 SH DFND 0 0 550
SELECT SECTOR SPDR TR SBI INT-INDS ETF - EQUITIES 81369Y704 63,691 419 SH SOLE 419 0 0
TECHNOLOGY SELECT SECTOR SPDR ETF ETF - EQUITIES 81369Y803 28,374 108 SH SOLE 108 0 0
COMMUNICATION SERVICES SELECT SECTOR SPDR FUND ETF - LARGE CAP 81369Y852 8,054 75 SH SOLE 75 0 0
SELECT SECTOR SPDR - UTILITIES ETF - EQUITIES 81369Y886 308,579 3,602 SH SOLE 3,602 0 0
SERVICENOW, INC COMMON STOCK 81762P102 212,199 225 SH SOLE 225 0 0
SOLVENTUM CORP. COMMON STOCK 83444M101 1,784 25 SH DFND 25 0 0
SOUTHERN CO COM COMMON STOCK 842587107 619,402 6,556 SH SOLE 6,556 0 0
SOUTHERN CO COM COMMON STOCK 842587107 22,675 240 SH DFND 0 0 240
STARBUCKS CORPORATION COMMON STOCK 855244109 150,662 1,690 SH SOLE 1,690 0 0
STATE STREET CORP COM COMMON STOCK 857477103 8,381 75 SH SOLE 75 0 0
STRYKER CORP COMMON STOCK 863667101 1,296,742 3,302 SH SOLE 3,218 0 84
SUNCOR ENERGY, INC. FOREIGN EQUITIES 867224107 97,638 2,475 SH DFND 2,475 0 0
TJX COS INC COMMON STOCK 872540109 1,405,298 11,285 SH SOLE 11,027 0 258
TARGET CORP COM COMMON STOCK 87612E106 118,187 1,176 SH SOLE 1,176 0 0
TARGET CORP COM COMMON STOCK 87612E106 30,150 300 SH DFND 300 0 0
TESLA MOTORS INC. COMMON COMMON STOCK 88160R101 226,570 735 SH SOLE 735 0 0
TEXAS INSTRUMENTS, INC COMMON STOCK 882508104 134,888 745 SH SOLE 745 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 652,850 1,396 SH SOLE 1,341 0 55
3M COMPANY COMMON STOCK 88579Y101 248,446 1,665 SH SOLE 1,665 0 0
3M COMPANY COMMON STOCK 88579Y101 138,325 927 SH DFND 927 0 0
TRACTOR SUPPLY CO. COMMON STOCK 892356106 330,353 5,801 SH SOLE 5,414 0 387
TRANSDIGM GROUP INC COMMON STOCK 893641100 120,634 75 SH DFND 75 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109 719,788 2,766 SH SOLE 2,766 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109 169,148 650 SH DFND 650 0 0
TRUIST FINL CORP COM COMMON STOCK 89832Q109 62,446 1,429 SH SOLE 1,429 0 0
TRUIST FINL CORP COM COMMON STOCK 89832Q109 21,850 500 SH DFND 500 0 0
U S BANCORP DEL COMMON STOCK 902973304 17,979 400 SH SOLE 400 0 0
UNION PAC CORP COM COMMON STOCK 907818108 445,032 2,005 SH SOLE 1,916 0 89
UNION PAC CORP COM COMMON STOCK 907818108 44,394 200 SH DFND 200 0 0
UNITED PARCEL SERVICE COMMON STOCK 911312106 79,858 927 SH SOLE 927 0 0
UNITED PARCEL SERVICE COMMON STOCK 911312106 43,074 500 SH DFND 500 0 0
UNITED HEALTH GROUP INC COMMON STOCK 91324P102 116,543 467 SH SOLE 467 0 0
V F CORP COMMON STOCK 918204108 2,051 175 SH DFND 175 0 0
VAIL RESORTS INC COM COMMON STOCK 91879Q109 52,590 350 SH SOLE 350 0 0
VANECK VEC RETAIL ETF ETF - LARGE CAP 92189F684 48,246 200 SH DFND 200 0 0
ETF VANGUARD DIVIDEND APPRECIATION ETF - LARGE CAP 921908844 1,077,274 5,228 SH SOLE 5,228 0 0
VANGUARD ESG US STK ETF ETF - EQUITIES 921910733 151,902 1,357 SH SOLE 1,357 0 0
VANGUARD W MEGA CAP 300 INDEX ETF ETF - LARGE CAP 921910873 535,815 2,327 SH SOLE 2,327 0 0
VANGUARD S&P 500 GROWTH ETF - LARGE CAP 921932505 78,059 190 SH SOLE 190 0 0
ETF VANGUARD BOND INDEX ETF - INTERM 921937835 128,026 1,749 SH SOLE 1,749 0 0
VANGUARD DEVELOPED MARKETS ETF ETF - DEVELOPED INTL 921943858 177,315 3,154 SH SOLE 3,154 0 0
VANGUARD HIGH DIVIDEND YIELD ETF ETF - LARGE CAP 921946406 5,625,257 41,939 SH SOLE 41,939 0 0
VANGUARD HIGH DIVIDEND YIELD ETF ETF - LARGE CAP 921946406 51,371 383 SH DFND 383 0 0
VANGUARD ENERGY ETF ETF - EQUITIES 92204A306 517,836 4,229 SH SOLE 4,229 0 0
VANGUARD INFORMATION TECHNOLOGY VIPERS ETF - EQUITIES 92204A702 2,084,489 3,019 SH SOLE 3,019 0 0
VANGUARD COMMUNICATION SERVICES ETF ETF - EQUITIES 92204A884 104,943 600 SH SOLE 600 0 0
VANGUARD FTSE ALL WORLD EX US ETF ETF - DEVELOPED INTL 922042775 376,818 5,658 SH SOLE 5,658 0 0
VANGUARD FTSE ALL WORLD EX US ETF ETF - DEVELOPED INTL 922042775 129,602 1,946 SH DFND 1,261 685 0
VANGUART SHORT-TERM TREASUREINDEX FUND ETF - SHORT 92206C102 86,580 1,479 SH SOLE 1,479 0 0
VANGUARD INDEX FUNDS S&P 500 ETF ETF - LARGE CAP 922908363 195,222 336 SH SOLE 336 0 0
VANGUARD REIT ETF - EQUITIES 922908553 38,775 435 SH SOLE 435 0 0
VANGUARD REIT ETF - EQUITIES 922908553 14,708 165 SH DFND 0 0 165
VANGUARD SMALL CAP ETF - SMALL CAP 922908611 14,870 75 SH SOLE 75 0 0
ETF VANGUARD MID-CAP ETF - MID CAP 922908629 56,052 196 SH SOLE 196 0 0
VANGUARD LARGE CAP ETF - LARGE CAP 922908637 91,411 313 SH SOLE 313 0 0
VANGUARD EXTENDED MARKET ETF ETF - MID CAP 922908652 195,574 989 SH SOLE 989 0 0
VANGUARD GROWTH ETF ETF - LARGE CAP 922908736 143,833 316 SH SOLE 316 0 0
VANGUARD INDEX FUNDS SMALL CAP ETF - SMALL CAP 922908751 38,164 158 SH SOLE 158 0 0
VANGUARD TOTAL STOCK MARKET INDEX ETF - LARGE CAP 922908769 968,381 3,115 SH SOLE 3,115 0 0
VERALTO CORP COMMON STOCK 92338C103 4,507 43 SH DFND 43 0 0
VERIZON COMMUNICATIONS INC COM COMMON STOCK 92343V104 154,025 3,603 SH SOLE 3,603 0 0
VERIZON COMMUNICATIONS INC COM COMMON STOCK 92343V104 35,910 840 SH DFND 840 0 0
VISA INC COMMON STOCK 92826C839 298,475 864 SH SOLE 864 0 0
WAL-MART STORES, INC COMMON STOCK 931142103 39,485 403 SH SOLE 403 0 0
WAL-MART STORES, INC COMMON STOCK 931142103 55,848 570 SH DFND 570 0 0
WASTE MGMT INC DEL COM COMMON STOCK 94106L109 22,916 100 SH SOLE 100 0 0
WEBSTER FINL CORP CONN COM COMMON STOCK 947890109 72,523 1,258 SH SOLE 1,258 0 0
WELLS FARGO & CO NEW COMMON STOCK 949746101 78,450 973 SH SOLE 973 0 0
WELLS FARGO & CO NEW COMMON STOCK 949746101 25,801 320 SH DFND 320 0 0
WELLS FARGO PFD L PREFERRED STOCK 949746804 14,214 12 SH SOLE 12 0 0
WELLS FARGO PFD L PREFERRED STOCK 949746804 23,690 20 SH DFND 20 0 0
WHIRLPOOL CORPORATION COM COMMON STOCK 963320106 6,643 80 SH DFND 80 0 0
XYLEM INC COMMON STOCK 98419M100 6,073 42 SH SOLE 42 0 0
ZOETIS INC COMMON STOCK 98978V103 10,934 75 SH SOLE 75 0 0