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
AMCOR PLC COM NEW FOREIGN EQUITIES G0250X149 8,668 200 SH SOLE 200 0 0
ASTRAZENECA PLC ORD FOREIGN EQUITIES G0593M107 100,877 532 SH SOLE 532 0 0
CARNIVAL CORP LTD COMMON STOCK G2004J103 22,848 800 SH SOLE 800 0 0
CUSHMAN AND WAKEFIELD LTD COMMON SHARES COMMON STOCK G2717C106 38,228 2,855 SH SOLE 2,855 0 0
EATON CORP PLC FOREIGN EQUITIES G29183103 25,140 59 SH SOLE 59 0 0
EATON CORP PLC FOREIGN EQUITIES G29183103 613,598 1,440 SH DFND 1,440 0 0
MEDTRONIC PLC FOREIGN EQUITIES G5960L103 33,399 427 SH SOLE 427 0 0
NORWEGIAN CRUISE LINE HLDG LTD FOREIGN EQUITIES G66721104 16,888 800 SH SOLE 800 0 0
TE CONNECTIVITY FOREIGN EQUITIES G87052109 43,346 215 SH SOLE 215 0 0
WILLIS TOWERS WATSON PLC LTDSHS FOREIGN EQUITIES G96629103 57,760 221 SH SOLE 221 0 0
CHUBB LTD FOREIGN EQUITIES H1467J104 4,790,582 14,060 SH SOLE 14,060 0 0
CHUBB LTD FOREIGN EQUITIES H1467J104 357,078 1,048 SH DFND 1,048 0 0
CRISPR THERAPEUTICS AG FOREIGN EQUITIES H17182108 2,727 50 SH SOLE 50 0 0
UBS GROUP AG FOREIGN EQUITIES H42097107 49,560 1,000 SH DFND 1,000 0 0
ASML HOLDING NV ADR FOREIGN EQUITIES N07059210 141,250 71 SH SOLE 71 0 0
CNH INDUSTRIAL NV FOREIGN EQUITIES N20944109 7,827 697 SH SOLE 697 0 0
FERRARI N V FOREIGN EQUITIES N3167Y103 25,315 68 SH SOLE 68 0 0
NXP SEMICONDUCTORS NV FOREIGN EQUITIES N6596X109 45,244 161 SH SOLE 161 0 0
AGCO CORP COMMON STOCK 001084102 11,970 100 SH DFND 100 0 0
AT&T INC COMMON STOCK 00206R102 2,642,821 127,673 SH SOLE 127,673 0 0
AT&T INC COMMON STOCK 00206R102 154,607 7,469 SH DFND 7,469 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100 3,352,354 36,945 SH SOLE 36,945 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100 421,755 4,648 SH DFND 4,648 0 0
ABBVIE INC COMMON STOCK 00287Y109 9,416,596 37,421 SH SOLE 37,421 0 0
ABBVIE INC COMMON STOCK 00287Y109 2,412,468 9,587 SH DFND 9,587 0 0
ADOBE INC COMMON STOCK 00724F101 31,573 154 SH SOLE 154 0 0
AIM IMMUNOTECH INC COMMON STOCK 00901B303 36 132 SH SOLE 132 0 0
AIRBNB INC CL A COMMON STOCK 009066101 34,916 244 SH SOLE 244 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 3,270,822 11,157 SH SOLE 11,057 0 100
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 565,815 1,930 SH DFND 1,930 0 0
ALIBABA GROUP HOLDINGS LMTD FOREIGN EQUITIES 01609W102 64,402 671 SH SOLE 671 0 0
THE ALLSTATE CORPORATION COMMON STOCK 020002101 14,514 61 SH SOLE 61 0 0
THE ALLSTATE CORPORATION COMMON STOCK 020002101 23,794 100 SH DFND 100 0 0
ALLY FINANCIAL INC COMMON STOCK 02005N100 72,233 1,572 SH SOLE 1,572 0 0
ALPHABET INC CLASS C COMMON STOCK 02079K107 2,472,883 6,999 SH SOLE 6,999 0 0
ALPHABET INC CLASS C COMMON STOCK 02079K107 90,096 255 SH DFND 255 0 0
ALPHABET INC CLASS A COMMON STOCK 02079K305 13,763,671 38,515 SH SOLE 38,315 0 200
ALPHABET INC CLASS A COMMON STOCK 02079K305 4,177,538 11,690 SH DFND 11,690 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 53,530 744 SH SOLE 744 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 46,767 650 SH DFND 650 0 0
AMAZON.COM INC COMMON STOCK 023135106 9,395,298 39,420 SH SOLE 39,420 0 0
AMAZON.COM INC COMMON STOCK 023135106 2,075,937 8,710 SH DFND 8,710 0 0
AVANTIS US SMALL CAP ETF ETF/EQUITY 025072323 269,671 3,677 SH SOLE 3,677 0 0
AVANTIS US LARGE CAP VALUE ETF/EQUITY 025072349 40,223 441 SH SOLE 441 0 0
AVANTIS EMERGING MARKETS VALUE ETF ETF/INTERNATIONAL EQUITY 025072372 25,715 392 SH SOLE 392 0 0
AVANTIS EMERGING MKTS EQ ETF/INTERNATIONAL EQUITY 025072604 244,107 2,530 SH SOLE 2,502 0 28
AVANTIS EMERGING MKTS EQ ETF/INTERNATIONAL EQUITY 025072604 9,070 94 SH DFND 94 0 0
AVANTIS INTERNATIONAL ETF ETF/INTERNATIONAL EQUITY 025072802 6,165,264 59,828 SH SOLE 59,798 0 30
AVANTIS INTERNATIONAL ETF ETF/INTERNATIONAL EQUITY 025072802 39,570 384 SH DFND 384 0 0
AVANTIS US SMALLCAP VALUE ETF/EQUITY 025072877 7,091,973 56,845 SH SOLE 56,822 0 23
AVANTIS US SMALLCAP VALUE ETF/EQUITY 025072877 9,731 78 SH DFND 78 0 0
AMERICAN ELECTRIC POWER CO COMMON STOCK 025537101 5,095,826 37,248 SH SOLE 37,248 0 0
AMERICAN ELECTRIC POWER CO COMMON STOCK 025537101 534,921 3,910 SH DFND 3,910 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 2,137,048 6,318 SH SOLE 6,318 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 10,147 30 SH DFND 30 0 0
AMERICAN INTERNATIONAL GROUP COMMON STOCK 026874784 71,026 953 SH SOLE 953 0 0
AMERICAN TOWER CORP COMMON STOCK 03027X100 499,705 3,055 SH SOLE 3,055 0 0
AMERICAN TOWER CORP COMMON STOCK 03027X100 163,570 1,000 SH DFND 1,000 0 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103 131,580 1,000 SH SOLE 1,000 0 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103 131,580 1,000 SH DFND 1,000 0 0
AMETEK INC COMMON STOCK 031100100 604,850 2,500 SH SOLE 2,500 0 0
AMETEK INC COMMON STOCK 031100100 395,571 1,635 SH DFND 1,635 0 0
AMGEN INC COMMON STOCK 031162100 4,957,945 13,692 SH SOLE 13,692 0 0
AMGEN INC COMMON STOCK 031162100 1,092,118 3,016 SH DFND 3,016 0 0
ANTERO RESOURCES CORP COMMON STOCK 03674X106 13,770 392 SH SOLE 392 0 0
ELEVANCE HEALTH INC COMMON STOCK 036752103 3,002,453 7,764 SH SOLE 7,764 0 0
ELEVANCE HEALTH INC COMMON STOCK 036752103 46,404 120 SH DFND 120 0 0
APA CORPORATION COMMON STOCK 03743Q108 57,142 1,755 SH SOLE 1,755 0 0
APPLE INC COMMON STOCK 037833100 106,290,646 367,343 SH SOLE 367,343 0 0
APPLE INC COMMON STOCK 037833100 1,073,483 3,710 SH DFND 3,710 0 0
ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102 105,889 1,386 SH SOLE 1,386 0 0
ARES CAPITAL CORPORATION COMMON STOCK 04010L103 18,520 1,000 SH SOLE 1,000 0 0
ARTISAN PARTNERS ASSET MANAGEMENT INC COMMON STOCK 04316A108 26,338 763 SH SOLE 763 0 0
AUTODESK INC COMMON STOCK 052769106 55,604 286 SH SOLE 286 0 0
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 2,328,380 10,397 SH SOLE 10,397 0 0
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 172,439 770 SH DFND 770 0 0
AVALONBAY COMMUNITIES INC COMMON STOCK 053484101 16,038 85 SH SOLE 85 0 0
BP PLC ADR FOREIGN EQUITIES 055622104 43,785 1,185 SH SOLE 1,185 0 0
BP PLC ADR FOREIGN EQUITIES 055622104 18,475 500 SH DFND 500 0 0
BANK OF AMERICA CORPORATION COMMON STOCK 060505104 1,258,914 22,098 SH SOLE 22,098 0 0
BANK OF AMERICA CORPORATION COMMON STOCK 060505104 133,879 2,350 SH DFND 2,350 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 63,338 438 SH SOLE 438 0 0
BARRICK MINING CORPORATION FOREIGN EQUITIES 06849F108 7,344 200 SH SOLE 200 0 0
BAXTER INTERNATIONAL INC COMMON STOCK 071813109 46,306 2,173 SH SOLE 2,173 0 0
BECTON DICKINSON AND COMPANY COMMON STOCK 075887109 1,032,505 6,823 SH SOLE 6,823 0 0
BECTON DICKINSON AND COMPANY COMMON STOCK 075887109 27,996 185 SH DFND 185 0 0
BERKSHIRE HATHAWAY INC B COMMON STOCK 084670702 382,797 765 SH SOLE 765 0 0
BHP GROUP LTD ADR FOREIGN EQUITIES 088606108 12,496 150 SH DFND 150 0 0
BLACKBERRY LTD NPV FOREIGN EQUITIES 09228F103 1,049 83 SH DFND 83 0 0
BLACKROCK INC COMMON STOCK 09290D101 788,468 820 SH SOLE 820 0 0
BLACKROCK INC COMMON STOCK 09290D101 625,007 650 SH DFND 650 0 0
BNY MELLON GLOBAL INFRASTRUCTURE ETF ETF/EQUITY 09661T826 3,570,871 79,406 SH SOLE 79,366 0 40
BNY MELLON GLOBAL INFRASTRUCTURE ETF ETF/EQUITY 09661T826 19,291 429 SH DFND 429 0 0
BOEING COMPANY COMMON STOCK 097023105 262,794 1,214 SH SOLE 1,214 0 0
BOEING COMPANY COMMON STOCK 097023105 43,294 200 SH DFND 200 0 0
BOSTON SCIENTIFIC CORP COMMON STOCK 101137107 8,536 200 SH SOLE 200 0 0
BRISTOL MYERS SQUIBB COMPANY COMMON STOCK 110122108 5,679,761 98,591 SH SOLE 98,591 0 0
BRISTOL MYERS SQUIBB COMPANY COMMON STOCK 110122108 5,692,323 98,808 SH DFND 98,808 0 0
BRITISH AMERICAN TOBACCO ADR FOREIGN EQUITIES 110448107 54,966 890 SH SOLE 890 0 0
BROADCOM INC COMMON STOCK 11135F101 9,305,812 24,635 SH SOLE 24,635 0 0
BROADCOM INC COMMON STOCK 11135F101 5,199,346 13,764 SH DFND 13,764 0 0
BROOKFIELD CORP NPV FOREIGN EQUITIES 11271J107 97,616 2,292 SH DFND 2,292 0 0
BROOKFIELD ASSET MGMT LTD FOREIGN EQUITIES 113004105 17,128 382 SH DFND 382 0 0
BRUKER CORPORATION COMMON STOCK 116794108 33,941 564 SH SOLE 564 0 0
CBRE GROUP INC COMMON STOCK 12504L109 45,929 341 SH SOLE 341 0 0
CDW CORPORATION COMMON STOCK 12514G108 30,800 219 SH SOLE 219 0 0
CIGNA GROUP COMMON STOCK 125523100 183,596 666 SH SOLE 666 0 0
CSW INDUSTRIALS INC COMMON STOCK 126402106 7,792 28 SH SOLE 28 0 0
CSX CORP COMMON STOCK 126408103 939,327 19,767 SH SOLE 19,767 0 0
CSX CORP COMMON STOCK 126408103 1,656,547 34,860 SH DFND 34,860 0 0
CVS HEALTH CORP COMMON STOCK 126650100 451,145 4,361 SH SOLE 4,361 0 0
CAMECO CORP FOREIGN EQUITIES 13321L108 98,294 965 SH SOLE 965 0 0
CANADIAN PACIFIC KANSAS CITYCOM FOREIGN EQUITIES 13646K108 46,964 542 SH SOLE 542 0 0
CANOPY GROWTH CORP FOREIGN EQUITIES 138035704 47 50 SH SOLE 50 0 0
CAPITAL ONE FINANCIAL COMMON STOCK 14040H105 82,052 409 SH SOLE 409 0 0
CARDINAL HEALTH INC COMMON STOCK 14149Y108 99,061 417 SH SOLE 417 0 0
CARLYLE GROUP INC COMMON STOCK 14316J108 41,182 978 SH SOLE 978 0 0
CARRIER GLOBAL CORPORATION COMMON STOCK 14448C104 47,384 646 SH SOLE 646 0 0
CARRIER GLOBAL CORPORATION COMMON STOCK 14448C104 44,010 600 SH DFND 600 0 0
CATERPILLAR INC COMMON STOCK 149123101 14,781,849 13,881 SH SOLE 13,881 0 0
CATERPILLAR INC COMMON STOCK 149123101 867,892 815 SH DFND 815 0 0
CEL-SCI CORP COMMON STOCK 150837706 16 16 SH SOLE 16 0 0
CHEESECAKE FACTORY INC COMMON STOCK 163072101 31,816 400 SH SOLE 400 0 0
CHEVRON CORP COMMON STOCK 166764100 4,782,988 28,855 SH SOLE 28,855 0 0
CHEVRON CORP COMMON STOCK 166764100 783,876 4,729 SH DFND 4,729 0 0
CHIPOTLE MEXICAN GRILL COMMON STOCK 169656105 1,251,880 36,820 SH SOLE 36,320 0 500
CHIPOTLE MEXICAN GRILL COMMON STOCK 169656105 57,290 1,685 SH DFND 1,685 0 0
CHURCH & DWIGHT CO INC COMMON STOCK 171340102 193,760 2,000 SH SOLE 2,000 0 0
CIENA CORP COMMON STOCK 171779309 83,884 171 SH SOLE 171 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 13,722,231 116,825 SH SOLE 116,825 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 2,646,840 22,534 SH DFND 22,534 0 0
CITIGROUP INC COMMON STOCK 172967424 278,379 1,989 SH SOLE 1,989 0 0
CITIZENS FINANCIAL GROUP INC COMMON STOCK 174610105 12,400 177 SH SOLE 177 0 0
CLEAN HARBORS INC COMMON STOCK 184496107 31,070 104 SH SOLE 104 0 0
COCA COLA CONSOLIDATED INC COMMON STOCK 191098102 33,601 176 SH SOLE 176 0 0
COCA COLA COMPANY COMMON STOCK 191216100 6,487,915 79,832 SH SOLE 79,832 0 0
COCA COLA COMPANY COMMON STOCK 191216100 533,454 6,564 SH DFND 6,564 0 0
COHERENT CORP COMMON STOCK 19247G107 98,220 249 SH SOLE 249 0 0
COHERENT CORP COMMON STOCK 19247G107 78,892 200 SH DFND 200 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 1,366,032 14,900 SH SOLE 14,900 0 0
COMCAST CORP CLASS A COMMON STOCK 20030N101 758,898 30,925 SH SOLE 30,925 0 0
COMCAST CORP CLASS A COMMON STOCK 20030N101 114,576 4,669 SH DFND 4,669 0 0
COMMERCIAL METALS CO COMMON STOCK 201723103 17,758 283 SH SOLE 283 0 0
COMMUNITY FINANCIAL SYS INC COMMON STOCK 203607106 184,580 2,750 SH SOLE 2,750 0 0
COMMUNITY FINANCIAL SYS INC COMMON STOCK 203607106 5,958,712 88,777 SH DFND 88,777 0 0
CONAGRA FOODS INC COMMON STOCK 205887102 1,997,765 148,423 SH SOLE 141,423 0 7,000
CONAGRA FOODS INC COMMON STOCK 205887102 130,292 9,680 SH DFND 9,680 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 1,122,659 10,799 SH SOLE 10,799 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 21,415 206 SH DFND 206 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 287,637 2,600 SH DFND 2,600 0 0
CONSTELLATION BRANDS INC COMMON STOCK 21036P108 125,181 900 SH SOLE 900 0 0
CONSTELLATION ENERGY CORP COMMON STOCK 21037T109 53,647 216 SH DFND 216 0 0
CORNING INC COMMON STOCK 219350105 12,478,719 48,854 SH SOLE 48,854 0 0
CORNING INC COMMON STOCK 219350105 685,827 2,685 SH DFND 2,685 0 0
CORTEVA INC COMMON STOCK 22052L104 48,272 570 SH SOLE 570 0 0
CORTEVA INC COMMON STOCK 22052L104 6,351 75 SH DFND 75 0 0
COSTCO COMMON STOCK 22160K105 107,579 115 SH SOLE 115 0 0
COUPANG INC CL A FOREIGN EQUITIES 22266T109 3,472 200 SH DFND 200 0 0
CROCS INC COMMON STOCK 227046109 66,352 550 SH SOLE 550 0 0
CROWN CASTLE INC COMMON STOCK 22822V101 14,538 192 SH SOLE 192 0 0
CROWN HOLDINGS INC COMMON STOCK 228368106 32,315 289 SH SOLE 289 0 0
CULLEN FROST BANKERS INC COMMON STOCK 229899109 42,647 276 SH SOLE 276 0 0
CUMMINS INC COMMON STOCK 231021106 5,526,650 7,749 SH SOLE 7,749 0 0
CUMMINS INC COMMON STOCK 231021106 1,583,325 2,220 SH DFND 2,220 0 0
DTE ENERGY CO COMMON STOCK 233331107 30,626 201 SH SOLE 201 0 0
DANAHER CORP COMMON STOCK 235851102 86,668 455 SH SOLE 455 0 0
DEERE & COMPANY COMMON STOCK 244199105 2,366,653 3,731 SH SOLE 3,731 0 0
DEERE & COMPANY COMMON STOCK 244199105 275,931 435 SH DFND 435 0 0
DEFINIUM THERAPEUTICS INC COMMON STOCK 24477V105 6,350 135 SH SOLE 135 0 0
DELTA AIR LINES INC COMMON STOCK 247361702 98,988 1,057 SH SOLE 1,057 0 0
DIGI INTL INC COMMON STOCK 253798102 29,980 400 SH DFND 400 0 0
TRUMP MEDIA & TECH GROUP COMMON STOCK 25400Q105 3,289 425 SH SOLE 425 0 0
DFA US SMALL CAP ETF ETF/EQUITY 25434V500 727,138 8,831 SH SOLE 8,831 0 0
DFA EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 25434V732 93,040 2,290 SH SOLE 2,290 0 0
WALT DISNEY CO COMMON STOCK 254687106 2,290,034 23,793 SH SOLE 23,793 0 0
WALT DISNEY CO COMMON STOCK 254687106 72,761 756 SH DFND 756 0 0
DOLLAR GENERAL CORP COMMON STOCK 256677105 39,482 343 SH SOLE 343 0 0
DOLLAR GENERAL CORP COMMON STOCK 256677105 11,511 100 SH DFND 100 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109 34,691 508 SH SOLE 508 0 0
DORCHESTER MINERALS LP COMMON STOCK 25820R105 1,262,751 50,010 SH SOLE 50,010 0 0
DOW INC COMMON STOCK 260557103 858,294 31,371 SH SOLE 31,371 0 0
DOW INC COMMON STOCK 260557103 37,154 1,358 SH DFND 1,358 0 0
DRAFTKINGS INC CL A COMMON STOCK 26142V105 5,050 200 SH SOLE 200 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N201 1,319,475 9,728 SH SOLE 9,728 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N201 55,609 410 SH DFND 410 0 0
EOG RESOURCES INC COMMON STOCK 26875P101 2,158,402 16,638 SH SOLE 16,638 0 0
EOG RESOURCES INC COMMON STOCK 26875P101 107,026 825 SH DFND 825 0 0
EQT CORPORATION COMMON STOCK 26884L109 18,503 348 SH SOLE 348 0 0
EQT CORPORATION COMMON STOCK 26884L109 9,304 175 SH DFND 175 0 0
EAGLE MATERIALS INC COMMON STOCK 26969P108 22,950 102 SH SOLE 102 0 0
EASTMAN CHEMICAL CO COMMON STOCK 277432100 21,162 316 SH SOLE 316 0 0
EDISON INTL COMMON STOCK 281020107 214,192 2,877 SH DFND 2,877 0 0
ELEMENT SOLUTIONS INC COMMON STOCK 28618M106 61,884 1,296 SH SOLE 1,296 0 0
EMERSON ELECTRIC CO COMMON STOCK 291011104 6,614,344 46,206 SH SOLE 46,206 0 0
EMERSON ELECTRIC CO COMMON STOCK 291011104 780,449 5,452 SH DFND 5,452 0 0
ENBRIDGE INC FOREIGN EQUITIES 29250N105 16,260 300 SH SOLE 300 0 0
ENBRIDGE INC FOREIGN EQUITIES 29250N105 56,855 1,049 SH DFND 1,049 0 0
ENERGY TRANSFER EQUITY LP COMMON STOCK 29273V100 9,555 500 SH SOLE 500 0 0
ENERGY TRANSFER EQUITY LP COMMON STOCK 29273V100 51,597 2,700 SH DFND 2,700 0 0
TCW AAA CLO ETF ETF/FIXED INCOME 29287L858 302,940 6,000 SH SOLE 6,000 0 0
ENTERGY CORP COMMON STOCK 29364G103 25,039 218 SH SOLE 218 0 0
ENTERPRISE PRODS PARTNERS LP COMMON STOCK 293792107 40,351 1,098 SH SOLE 1,098 0 0
EQUIFAX INC COMMON STOCK 294429105 357,120 2,250 SH SOLE 2,250 0 0
EQUIFAX INC COMMON STOCK 294429105 158,720 1,000 SH DFND 1,000 0 0
ESSENTIAL UTILITIES INC COMMON STOCK 29670G102 215,297 5,620 SH SOLE 5,620 0 0
ESSENTIAL UTILITIES INC COMMON STOCK 29670G102 15,324 400 SH DFND 400 0 0
EVERGY INC COMMON STOCK 30034W106 23,854 276 SH SOLE 276 0 0
EXELON CORP COMMON STOCK 30161N101 83,898 1,800 SH SOLE 1,800 0 0
EXELON CORP COMMON STOCK 30161N101 39,618 850 SH DFND 850 0 0
EXPEDITORS INTL WASH INC COMMON STOCK 302130109 45,797 281 SH SOLE 281 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102 6,882,195 50,338 SH SOLE 49,838 0 500
EXXON MOBIL CORP COMMON STOCK 30231G102 1,505,147 11,009 SH DFND 11,009 0 0
META PLATFORMS INC COMMON STOCK 30303M102 344,726 612 SH SOLE 442 0 170
META PLATFORMS INC COMMON STOCK 30303M102 157,718 280 SH DFND 280 0 0
FACTSET RESEARCH SYSTEMS INC COMMON STOCK 303075105 17,025 74 SH SOLE 74 0 0
FEDEX CORP COMMON STOCK 31428X106 42,272 135 SH SOLE 135 0 0
FEDEX FGHT HLDG CO COMMON STOCK 314352105 10,117 67 SH SOLE 67 0 0
FIDELITY COVINGTON TRUST PFD SECS INCOME ETF/OTHER 316092261 21,430 1,000 SH SOLE 1,000 0 0
FIDELITY NATL INFORMATION SV COMMON STOCK 31620M106 47,550 1,223 SH SOLE 1,223 0 0
FIDELITY NATIONAL FINANCIAL INC COMMON STOCK 31620R303 15,040 319 SH SOLE 319 0 0
FIFTH THIRD BANCORP COMMON STOCK 316773100 55,740 989 SH SOLE 989 0 0
FIFTH THIRD BANCORP COMMON STOCK 316773100 36,915 655 SH DFND 655 0 0
FINANCIAL INSTITUTIONS INC COMMON STOCK 317585404 9,742 250 SH SOLE 250 0 0
FIRST CITIZENS BANCSHARES COMMON STOCK 31946M103 122,766 59 SH SOLE 59 0 0
FIRST SOLAR, INC. COMMON STOCK 336433107 1,179,800 5,000 SH DFND 5,000 0 0
FIRST TR NASDAQ CYB SEC ETF ETF/EQUITY 33734X846 65,410 728 SH SOLE 728 0 0
FIRST TR NASDAQ ARTIFICAL INTELLIGENCE ETF/EQUITY 33738R720 39,663 705 SH SOLE 705 0 0
FT ENERGY INCOME PARTNERS ENH INCOME ETF ETF/FIXED INCOME 33740F276 2,184,000 100,000 SH SOLE 100,000 0 0
FIRSTCASH HOLDINGS INC COMMON STOCK 33768G107 43,047 199 SH SOLE 199 0 0
FISERV INC COMMON STOCK 337738108 1,699,961 34,665 SH SOLE 33,365 0 1,300
FISERV INC COMMON STOCK 337738108 55,904 1,140 SH DFND 1,140 0 0
FLEXSHARES GLOBAL UPSTREAM NATURAL RESOURCES ETF/INTERNATIONAL EQUITY 33939L407 76,368 1,550 SH SOLE 1,550 0 0
FORD MOTOR COMPANY COMMON STOCK 345370860 40,310 2,900 SH SOLE 2,700 0 200
FORD MOTOR COMPANY COMMON STOCK 345370860 48,650 3,500 SH DFND 3,500 0 0
FORTIVE CORP COMMON STOCK 34959J108 17,716 290 SH SOLE 290 0 0
FORTUNE BRANDS HOME & SEC COMMON STOCK 34964C106 41,998 765 SH SOLE 765 0 0
FRANCO NEVADA CORP FOREIGN EQUITIES 351858105 27,514 132 SH DFND 132 0 0
FRANKLIN FTSE CANADA ETF/INTERNATIONAL EQUITY 35473P827 4,516,276 87,746 SH SOLE 87,684 0 62
FRANKLIN FTSE CANADA ETF/INTERNATIONAL EQUITY 35473P827 44,521 865 SH DFND 865 0 0
FREEPORT MCMORAN INC COMMON STOCK 35671D857 2,783,313 44,264 SH SOLE 43,764 0 500
FREEPORT MCMORAN INC COMMON STOCK 35671D857 55,020 875 SH DFND 875 0 0
GATX CORP COMMON STOCK 361448103 26,932 152 SH SOLE 152 0 0
GABELLI EQUITY TR INC CLOSED END MUTUAL FUNDS 362397101 5,660 1,000 SH DFND 1,000 0 0
GXO LOGISTICS INC COMMON STOCK 36262G101 21,750 429 SH SOLE 429 0 0
GE HEALTHCARE TECH COMMON STOCK 36266G107 56,454 882 SH SOLE 882 0 0
GE HEALTHCARE TECH COMMON STOCK 36266G107 4,928 77 SH DFND 77 0 0
ARTHUR J GALLAGHER & CO COMMON STOCK 363576109 19,283 84 SH SOLE 84 0 0
GAP INC COMMON STOCK 364760108 6,538 350 SH SOLE 350 0 0
GE VERNOVA INC COMMON STOCK 36828A101 343,050 292 SH SOLE 292 0 0
GE VERNOVA INC COMMON STOCK 36828A101 326,607 278 SH DFND 278 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 1,737,491 4,905 SH SOLE 4,905 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 49,592 140 SH DFND 140 0 0
GE AEROSPACE COMMON STOCK 369604301 439,491 1,176 SH SOLE 1,176 0 0
GE AEROSPACE COMMON STOCK 369604301 360,638 965 SH DFND 965 0 0
GENERAL MILLS INC COMMON STOCK 370334104 427,217 12,280 SH SOLE 12,280 0 0
GENERAL MILLS INC COMMON STOCK 370334104 17,047 490 SH DFND 490 0 0
GENERAL MOTORS CO COMMON STOCK 37045V100 114,000 1,479 SH SOLE 1,479 0 0
GENERAL MOTORS CO COMMON STOCK 37045V100 15,416 200 SH DFND 200 0 0
GENMAB A/S SPONSORED ADS FOREIGN EQUITIES 372303206 41,821 1,523 SH SOLE 1,523 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 252,680 2,000 SH DFND 2,000 0 0
GILDAN ACTIVEWEAR INC FOREIGN EQUITIES 375916103 15,373 298 SH SOLE 298 0 0
GLOBAL PMTS INC COMMON STOCK 37940X102 42,012 579 SH SOLE 579 0 0
GLOBAL X MLP AND ENERGY ETF ETF/EQUITY 37954Y293 138,670 1,883 SH SOLE 1,867 0 16
GLOBAL X MLP AND ENERGY ETF ETF/EQUITY 37954Y293 4,271 58 SH DFND 58 0 0
GLOBAL X MLP ETF ETF/EQUITY 37954Y343 25,478 480 SH SOLE 480 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 1,429,017 1,413 SH SOLE 1,413 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 561,304 555 SH DFND 555 0 0
GOLDMAN SACHS JUST US LARGE CAP EQUITY ETF ETF/EQUITY 381430396 11,202 105 SH SOLE 105 0 0
HF SINCLAIR CORP COMMON STOCK 403949100 15,323 220 SH SOLE 220 0 0
HDFC BANK LTD FOREIGN EQUITIES 40415F101 51,381 1,990 SH SOLE 1,990 0 0
HANOVER INS GROUP INC COMMON STOCK 410867105 31,475 147 SH SOLE 147 0 0
HARLEY DAVIDSON INC COMMON STOCK 412822108 4,890 200 SH SOLE 200 0 0
HASBRO INC COMMON STOCK 418056107 25,602 310 SH SOLE 310 0 0
HAWKINS INC COMMON STOCK 420261109 16,341 115 SH SOLE 115 0 0
HERC HOLDINGS INC COMMON STOCK 42704L104 20,640 144 SH SOLE 144 0 0
HERCULES CAPITAL INC COMMON STOCK 427096508 9,856 625 SH SOLE 625 0 0
HEWLETT PACKARD ENTERPRISE COMMON STOCK 42824C109 104,429 2,315 SH SOLE 2,315 0 0
HEXCEL CORP COMMON STOCK 428291108 38,022 380 SH SOLE 380 0 0
HIMS & HERS HEALTH INC CL A COMMON STOCK 433000106 13,864 400 SH SOLE 400 0 0
HOME DEPOT INC COMMON STOCK 437076102 2,803,700 7,950 SH SOLE 7,850 0 100
HOME DEPOT INC COMMON STOCK 437076102 104,036 295 SH DFND 295 0 0
HUMANA INC COMMON STOCK 444859102 17,080 43 SH DFND 43 0 0
HUNTINGTON BANCSHARES INC COMMON STOCK 446150104 40,826 2,304 SH SOLE 2,304 0 0
HUNTINGTON INGALLS INDS INC COMMON STOCK 446413106 33,865 121 SH SOLE 121 0 0
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109 3,246,318 12,003 SH SOLE 12,003 0 0
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109 532,805 1,970 SH DFND 1,970 0 0
ILLUMINA INC COMMON STOCK 452327109 33,231 189 SH SOLE 189 0 0
INFOSYS LTD SPONSORED ADR FOREIGN EQUITIES 456788108 26,770 2,552 SH SOLE 2,552 0 0
INFUSYSTEMS HOLDINGS INC COMMON STOCK 45685K102 9,650 1,000 SH SOLE 1,000 0 0
INSTALLED BLDG PRODS INC COMMON STOCK 45780R101 10,342 45 SH SOLE 45 0 0
INTEL CORP COMMON STOCK 458140100 834,987 5,980 SH SOLE 5,980 0 0
INTEL CORP COMMON STOCK 458140100 50,266 360 SH DFND 360 0 0
INTERCONTINENTALEXCHANGE GRP COMMON STOCK 45866F104 93,686 761 SH SOLE 761 0 0
INTL BUSINESS MACHINES CORP COMMON STOCK 45920010A 2,249,600 8,000 SH SOLE 8,000 0 0
INTL BUSINESS MACHINES CORP COMMON STOCK 459200101 14,908,659 53,018 SH SOLE 53,018 0 0
INTL BUSINESS MACHINES CORP COMMON STOCK 459200101 10,239,054 36,412 SH DFND 36,412 0 0
INTL FLAVORS & FRAGRANCES COMMON STOCK 459506101 19,012 240 SH SOLE 240 0 0
INVESCO QQQ TRUST ETF/EQUITY 46090E103 1,586,939 2,155 SH SOLE 2,155 0 0
INVESCO QQQ TRUST ETF/EQUITY 46090E103 116,351 158 SH DFND 158 0 0
INTUITIVE SURGICAL INC COMMON STOCK 46120E602 34,597 87 SH SOLE 87 0 0
INVESCO MUNICIPAL TRUST CLOSED END MUTUAL FUNDS 46131J103 40,160 4,000 SH SOLE 4,000 0 0
INVESCO AEROSPACE & DEFENSE ETF ETF/EQUITY 46137V100 847,920 4,800 SH DFND 4,800 0 0
INVESCO WILDERHILL CLEAN ENERGY ETF ETF/EQUITY 46137V134 12,597 323 SH DFND 323 0 0
INVESCO S&P 500 QUALITY ETF ETF/EQUITY 46137V241 13,965 155 SH SOLE 155 0 0
INVESCO S&P 500 PURE VAL ETF ETF/EQUITY 46137V258 26,292 231 SH SOLE 231 0 0
INVESCO RAFI EMERGNG MKT ETF ETF/INTERNATIONAL EQUITY 46138E727 4,737 170 SH SOLE 170 0 0
INVESCO VARIABLE RATE PFD ETF/EQUITY 46138G870 24,300 1,000 SH SOLE 1,000 0 0
INVESCO BULLETSHS CORP ETF ETF/FIXED INCOME 46138J577 7,056 380 SH SOLE 380 0 0
INVESCO BULLETSHARES 2028 CORP BOND ETF/FIXED INCOME 46138J643 14,659 720 SH SOLE 720 0 0
INVESCO BULLETSHARES 2033 CORP BOND ETF ETF/FIXED INCOME 46139W825 57,150 2,715 SH SOLE 2,715 0 0
IQVIA HLDGS INC COMMON STOCK 46266C105 62,410 323 SH SOLE 323 0 0
IRON MOUNTAIN INC COMMON STOCK 46284V101 28,167 223 SH SOLE 223 0 0
ISHARES SILVER TRUST ETF/OTHER 46428Q109 40,102 750 SH SOLE 750 0 0
ISHARES SILVER TRUST ETF/OTHER 46428Q109 67,372 1,260 SH DFND 1,260 0 0
ISHARES GOLD TRUST ETF/OTHER 464285204 901,884 11,944 SH SOLE 11,831 0 113
ISHARES GOLD TRUST ETF/OTHER 464285204 83,061 1,100 SH DFND 1,100 0 0
ISHARES MSCI CANADA ETF ETF/INTERNATIONAL EQUITY 464286509 707,106 12,270 SH SOLE 12,270 0 0
ISHARES MSCI CANADA ETF ETF/INTERNATIONAL EQUITY 464286509 89,207 1,548 SH DFND 1,548 0 0
ISHARES MSCI EUROZONE ETF ETF/INTERNATIONAL EQUITY 464286608 1,752,228 25,212 SH SOLE 25,192 0 20
ISHARES CORE S&P 500 ETF ETF/EQUITY 464287200 35,168,601 46,961 SH SOLE 46,961 0 0
ISHARES CORE S&P 500 ETF ETF/EQUITY 464287200 214,180 286 SH DFND 286 0 0
ISHARES S&P 500 GROWTH ETF ETF/EQUITY 464287309 501,296 3,645 SH SOLE 3,645 0 0
ISHARES S&P 500 VALUE ETF ETF/EQUITY 464287408 486,134 2,141 SH SOLE 2,141 0 0
ISHARES 7-10 YEAR TSY BOND ETF/FIXED INCOME 464287440 6,147 65 SH SOLE 65 0 0
ISHARES 1-3 YR TREASURY BOND ETF/FIXED INCOME 464287457 2,351,239 28,636 SH SOLE 28,636 0 0
ISHARES 1-3 YR TREASURY BOND ETF/FIXED INCOME 464287457 166,923 2,033 SH DFND 2,033 0 0
ISHARES MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 464287465 2,774,105 26,705 SH SOLE 26,705 0 0
ISHARES MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 464287465 181,685 1,749 SH DFND 1,749 0 0
ISHARES RUSSELL MIDCAP VALUE ETF/EQUITY 464287473 4,804,672 29,190 SH SOLE 29,190 0 0
ISHARES RUSSELL MIDCAP VALUE ETF/EQUITY 464287473 144,025 875 SH DFND 875 0 0
ISHARES CORE S&P MIDCAP ETF ETF/EQUITY 464287507 17,157,714 222,510 SH SOLE 222,430 0 80
ISHARES CORE S&P MIDCAP ETF ETF/EQUITY 464287507 218,140 2,829 SH DFND 2,829 0 0
ISHARES BIOTECHNOLOGY ETF ETF/EQUITY 464287556 282,048 1,483 SH SOLE 1,483 0 0
ISHARES RUSSELL 1000 VALUE ETF/EQUITY 464287598 6,104,355 25,180 SH SOLE 25,070 0 110
ISHARES RUSSELL 1000 VALUE ETF/EQUITY 464287598 249,458 1,029 SH DFND 1,029 0 0
ISHARES S&P MIDCAP 400 GROWTH ETF ETF/EQUITY 464287606 455,900 3,880 SH SOLE 3,880 0 0
ISHARES S&P MIDCAP 400 GROWTH ETF ETF/EQUITY 464287606 19,387 165 SH DFND 165 0 0
ISHARES RUSSELL 1000 GROWTH ETF ETF/EQUITY 464287614 10,026,213 80,746 SH SOLE 80,566 0 180
ISHARES RUSSELL 1000 GROWTH ETF ETF/EQUITY 464287614 241,634 1,946 SH DFND 1,946 0 0
ISHARES RUSSELL 2000 VALUE ETF/EQUITY 464287630 84,940 384 SH SOLE 384 0 0
ISHARES RUSSELL 2000 ETF ETF/EQUITY 464287655 1,567,983 5,219 SH SOLE 5,219 0 0
ISHARES RUSSELL 2000 ETF ETF/EQUITY 464287655 86,225 287 SH DFND 287 0 0
ISHARES CORE S&P SMALLCAP ETF ETF/EQUITY 464287804 17,849,824 120,355 SH SOLE 120,329 0 26
ISHARES CORE S&P SMALLCAP ETF ETF/EQUITY 464287804 219,645 1,481 SH DFND 1,481 0 0
ISHARES TR INDEX S&P SMLCP GROW ETF/EQUITY 464287887 28,576 160 SH SOLE 160 0 0
ISHARES GLOBAL CLEAN ENERGY ETF/INTERNATIONAL EQUITY 464288224 40,960 2,000 SH SOLE 2,000 0 0
ISHARES MSCI ACWI EX US ETF ETF/INTERNATIONAL EQUITY 464288240 2,003,036 26,318 SH SOLE 26,318 0 0
ISHARES MSCI ACWI EX US ETF ETF/INTERNATIONAL EQUITY 464288240 305,956 4,020 SH DFND 4,020 0 0
ISHARES MSCI ACWI ETF ETF/EQUITY 464288257 313,940 2,000 SH SOLE 2,000 0 0
ISHARES IBOXX $ HIGH YIELD CORP BOND ETF ETF/FIXED INCOME 464288513 7,196 90 SH DFND 90 0 0
ISHARES TR BARCLYS MBS BD ETF/FIXED INCOME 464288588 2,225,272 23,543 SH SOLE 23,083 0 460
ISHARES TR BARCLYS MBS BD ETF/FIXED INCOME 464288588 42,912 454 SH DFND 454 0 0
ISHARES INTERMEDIATE CREDIT BOND ETF ETF/FIXED INCOME 464288638 22,756 428 SH DFND 428 0 0
ISHARES US PREFERRED STOCK ETF/OTHER 464288687 3,302,184 108,340 SH SOLE 108,340 0 0
ISHARES US PREFERRED STOCK ETF/OTHER 464288687 146,057 4,792 SH DFND 4,792 0 0
ISHARES CORE HIGH DIVIDEND ETF/EQUITY 46429B663 28,770 1,050 SH SOLE 1,050 0 0
ISHARES EDGE MSCI MIN VOL USA ETF ETF/EQUITY 46429B697 241,150 2,500 SH SOLE 2,500 0 0
ISHARES EDGE MSCI USA VALUE FACTOR ETF/EQUITY 46432F388 557,070 2,788 SH SOLE 2,788 0 0
ISHARES CORE MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 46432F842 30,406,154 314,829 SH SOLE 314,624 0 205
ISHARES CORE MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 46432F842 491,978 5,094 SH DFND 5,094 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 46434G103 10,770,350 130,014 SH SOLE 130,014 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 46434G103 20,875 252 SH DFND 252 0 0
ISHARES MSCI EM EX CHINA ETF/INTERNATIONAL EQUITY 46434G764 4,245,450 41,500 SH SOLE 41,500 0 0
ISHARES ESG MSCI EM ETF ETF/INTERNATIONAL EQUITY 46434G863 332,940 6,089 SH SOLE 5,981 0 108
ISHARES ESG MSCI EM ETF ETF/INTERNATIONAL EQUITY 46434G863 70,537 1,290 SH DFND 1,290 0 0
ISHARES MSCI ACWI LOW CARBON ETF/EQUITY 46434V464 4,300 17 SH SOLE 17 0 0
ISHARES CORE DIV GROWTH ETF ETF/EQUITY 46434V621 67,149 886 SH SOLE 886 0 0
ISHARES ESG USD CORP BOND ETF/FIXED INCOME 46435G193 3,379 146 SH SOLE 146 0 0
ISHARES TR ESG AWRE 1 5 YR ETF/FIXED INCOME 46435G243 1,873 75 SH SOLE 75 0 0
ISHARES TR ESG MSCI USA ETF (ESGU) ETF/EQUITY 46435G425 20,458 125 SH SOLE 125 0 0
ISHARES ESG MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 46435G516 442,904 4,308 SH SOLE 4,308 0 0
ISHARES FUTURE AI & TECH ETF ETF/EQUITY 46435U556 989,950 13,000 SH DFND 13,000 0 0
ISHARES ESG AWARE MSCI SMALLCAP ETF ETF/EQUITY 46435U663 2,852 51 SH SOLE 51 0 0
ISHARES TR ESG SELECT MIDCAP ETF/EQUITY 46436E551 3,024 58 SH SOLE 58 0 0
ISHARES 0-3 MONTH TREASURY ETF/FIXED INCOME 46436E718 2,516 25 SH SOLE 25 0 0
ITAU UNIBANCO HLDG SA ADR FOREIGN EQUITIES 465562106 64,951 7,950 SH SOLE 7,950 0 0
JPMORGAN CHASE & CO COMMON STOCK 46625H100 20,337,969 62,135 SH SOLE 62,135 0 0
JPMORGAN CHASE & CO COMMON STOCK 46625H100 1,765,887 5,395 SH DFND 5,395 0 0
JABIL CIRCUIT INC. COMMON STOCK 466313103 77,094 200 SH SOLE 200 0 0
JPMORGAN EQUITY PREMIUM INC ETF/EQUITY 46641Q332 12,673,605 224,431 SH SOLE 224,225 0 206
JPMORGAN EQUITY PREMIUM INC ETF/EQUITY 46641Q332 27,557 488 SH DFND 488 0 0
JP MORGAN ULTRA SHORT INC ETF/FIXED INCOME 46641Q837 20,224 400 SH SOLE 400 0 0
JPMORGAN ACTIVE GROWTH ETF ETF/EQUITY 46654Q609 58,857 597 SH SOLE 597 0 0
JACOBS SOLUTIONS INC COMMON STOCK 46982L108 18,900 150 SH DFND 150 0 0
JANUS HENDERSON SMALL CAP GROWTH ALPHA ETF ETF/EQUITY 47103U100 8,746 94 SH SOLE 94 0 0
JANUS HENDERSON SECURITIZED INCOME ETF ETF/FIXED INCOME 47103U746 754,936 14,745 SH SOLE 14,583 0 162
JANUS HENDERSON SECURITIZED INCOME ETF ETF/FIXED INCOME 47103U746 13,875 271 SH DFND 271 0 0
JANUS DETROIT STREET TR HENDERSON AAA CLO ETF/FIXED INCOME 47103U845 1,616,776 32,022 SH SOLE 31,745 0 277
JANUS DETROIT STREET TR HENDERSON AAA CLO ETF/FIXED INCOME 47103U845 16,409 325 SH DFND 325 0 0
JBT MAREL CORPORATION COMMON STOCK 477839104 25,230 174 SH SOLE 174 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 9,902,709 38,992 SH SOLE 38,992 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 2,049,530 8,070 SH DFND 8,070 0 0
KENVUE INC COMMON STOCK 49177J102 370,288 19,377 SH SOLE 19,377 0 0
KENVUE INC COMMON STOCK 49177J102 96,083 5,028 SH DFND 5,028 0 0
KEURIG DR PEPPER INC COMMON STOCK 49271V100 29,480 901 SH SOLE 901 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 21,954 200 SH SOLE 200 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 34,576 315 SH DFND 315 0 0
KINDER MORGAN INC COMMON STOCK 49456B101 2,250,295 70,410 SH SOLE 70,410 0 0
KINDER MORGAN INC COMMON STOCK 49456B101 183,290 5,735 SH DFND 5,735 0 0
KIRBY CORP COMMON STOCK 497266106 6,662 49 SH SOLE 49 0 0
KYNDRYL HOLDINGS INC COMMON STOCK 50155Q100 18,209 1,610 SH SOLE 1,610 0 0
L3HARRIS TECHNOLOGIES INC COMMON STOCK 502431109 22,955 79 SH SOLE 79 0 0
LAM RESEARCH CORP COMMON STOCK 512807306 10,166,526 23,462 SH SOLE 23,462 0 0
LAM RESEARCH CORP COMMON STOCK 512807306 864,471 1,995 SH DFND 1,995 0 0
LEIDOS HOLDINGS INC COMMON STOCK 525327102 1,080,636 10,495 SH SOLE 9,495 0 1,000
LEIDOS HOLDINGS INC COMMON STOCK 525327102 31,919 310 SH DFND 310 0 0
LENNAR CORP CL A COMMON STOCK 526057104 62,254 688 SH SOLE 688 0 0
LIBERTY ALL STAR EQUITY FD CLOSED END MUTUAL FUNDS 530158104 13,955 2,402 SH DFND 2,402 0 0
ELI LILLY AND COMPANY COMMON STOCK 532457108 3,648,605 3,042 SH SOLE 2,992 0 50
ELI LILLY AND COMPANY COMMON STOCK 532457108 1,525,658 1,272 SH DFND 1,272 0 0
LINCOLN ELEC HLDGS INC COMMON STOCK 533900106 24,161 91 SH SOLE 91 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 2,494,236 4,896 SH SOLE 4,896 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 458,502 900 SH DFND 900 0 0
LOEWS CORP COMMON STOCK 540424108 147,173 1,300 SH DFND 1,300 0 0
LOWES COMPANIES INC COMMON STOCK 548661107 4,154,861 18,844 SH SOLE 18,844 0 0
LOWES COMPANIES INC COMMON STOCK 548661107 221,145 1,003 SH DFND 1,003 0 0
M & T BANK CORP COMMON STOCK 55261F104 262,763 1,104 SH SOLE 1,104 0 0
M & T BANK CORP COMMON STOCK 55261F104 28,084 118 SH DFND 118 0 0
MAGNA INTERNATIONAL INC FOREIGN EQUITIES 559222401 39,521 602 SH SOLE 602 0 0
MARATHON PETROLEUM CORP COMMON STOCK 56585A102 85,393 334 SH SOLE 334 0 0
MARATHON PETROLEUM CORP COMMON STOCK 56585A102 87,950 344 SH DFND 344 0 0
MASCO CORP COMMON STOCK 574599106 38,894 478 SH SOLE 478 0 0
MASTERCARD INC CLASS A COMMON STOCK 57636Q104 716,442 1,395 SH SOLE 1,395 0 0
MASTERCARD INC CLASS A COMMON STOCK 57636Q104 28,246 55 SH DFND 55 0 0
MCDONALDS CORP COMMON STOCK 580135101 3,804,443 14,075 SH SOLE 14,075 0 0
MCDONALDS CORP COMMON STOCK 580135101 123,796 458 SH DFND 458 0 0
MCKESSON CORP COMMON STOCK 58155Q103 302,236 400 SH SOLE 400 0 0
MCKESSON CORP COMMON STOCK 58155Q103 377,795 500 SH DFND 500 0 0
MEDICAL PPTYS TRUST INC COMMON STOCK 58463J304 13,860 3,000 SH SOLE 3,000 0 0
MEDPACE HOLDINGS INC COMMON STOCK 58506Q109 21,183 40 SH SOLE 40 0 0
MERCK & COMPANY INC COMMON STOCK 58933Y105 12,479,745 97,119 SH SOLE 97,119 0 0
MERCK & COMPANY INC COMMON STOCK 58933Y105 2,028,626 15,787 SH DFND 15,787 0 0
METLIFE INC COMMON STOCK 59156R108 1,025,202 12,117 SH SOLE 12,117 0 0
METLIFE INC COMMON STOCK 59156R108 44,419 525 SH DFND 525 0 0
METTLER-TOLEDO INTL COMMON STOCK 592688105 415,190 325 SH SOLE 325 0 0
METTLER-TOLEDO INTL COMMON STOCK 592688105 127,751 100 SH DFND 100 0 0
MICROSOFT CORP COMMON STOCK 594918104 19,985,370 53,579 SH SOLE 53,079 0 500
MICROSOFT CORP COMMON STOCK 594918104 2,382,773 6,388 SH DFND 6,388 0 0
MICRON TECHNOLOGY COMMON STOCK 595112103 540,206 468 SH SOLE 468 0 0
MITSUBISHI UFJ FINL GROUP INSPONSORED ADR FOREIGN EQUITIES 606822104 77,591 3,903 SH SOLE 3,903 0 0
MOLINA HEALTHCARE INC COMMON STOCK 60855R100 11,435 50 SH SOLE 50 0 0
MONDELEZ INTL INC CL A COMMON STOCK 609207105 196,656 3,400 SH SOLE 3,400 0 0
MONDELEZ INTL INC CL A COMMON STOCK 609207105 115,680 2,000 SH DFND 2,000 0 0
MONSTER BEVERAGE COMMON STOCK 61174X109 121,015 1,259 SH SOLE 1,259 0 0
MORGAN STANLEY COMMON STOCK 617446448 2,167,534 10,369 SH SOLE 10,369 0 0
MORGAN STANLEY COMMON STOCK 617446448 10,452 50 SH DFND 50 0 0
MUELLER INDS INC COMMON STOCK 624756102 19,545 159 SH SOLE 159 0 0
MURPHY OIL CORPORATION COMMON STOCK 626717102 20,766 638 SH SOLE 638 0 0
MURPHY USA INC COMMON STOCK 626755102 44,186 82 SH SOLE 82 0 0
NBT BANCORP INC COMMON STOCK 628778102 613,100 12,421 SH SOLE 12,421 0 0
NBT BANCORP INC COMMON STOCK 628778102 300,503 6,088 SH DFND 6,088 0 0
NASDAQ INC COMMON STOCK 631103108 40,114 509 SH SOLE 509 0 0
NATIONAL FUEL GAS COMPANY COMMON STOCK 636180101 131,257 1,700 SH SOLE 1,700 0 0
NATIONAL FUEL GAS COMPANY COMMON STOCK 636180101 7,721 100 SH DFND 100 0 0
NATIONAL GRID PLC ADR FOREIGN EQUITIES 636274409 63,643 768 SH DFND 768 0 0
NETFLIX INC COMMON STOCK 64110L106 388,416 5,440 SH SOLE 5,440 0 0
NEXSTAR MEDIA GROUP INC COMMON STOCK 65336K103 8,929 50 SH SOLE 50 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 3,297,924 37,575 SH SOLE 37,575 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 1,544,747 17,600 SH DFND 17,600 0 0
NIKE INC CLASS B COMMON STOCK 654106103 688,854 16,785 SH SOLE 16,785 0 0
NIKE INC CLASS B COMMON STOCK 654106103 16,416 400 SH DFND 400 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 1,189,111 3,780 SH SOLE 3,780 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 346,038 1,100 SH DFND 1,100 0 0
NORTHROP GRUMMAN CORP COMMON STOCK 666807102 10,186 20 SH SOLE 20 0 0
NORTHROP GRUMMAN CORP COMMON STOCK 666807102 101,860 200 SH DFND 200 0 0
NORTHWEST NATURAL HLDG CO COMMON STOCK 66765N105 4,856 99 SH SOLE 99 0 0
NORWOOD FINANCIAL CORP COMMON STOCK 669549107 176,673 5,497 SH SOLE 5,497 0 0
NOVARTIS AG ADR FOREIGN EQUITIES 66987V109 298,708 1,906 SH SOLE 1,906 0 0
NOVO-NORDISK AS ADR FOREIGN EQUITIES 670100205 38,631 806 SH SOLE 806 0 0
NUCOR CORP COMMON STOCK 670346105 5,592,111 25,105 SH SOLE 25,105 0 0
NUCOR CORP COMMON STOCK 670346105 1,264,105 5,675 SH DFND 5,675 0 0
NVIDIA CORPORATION COMMON STOCK 67066G104 8,323,089 41,597 SH SOLE 40,792 0 805
NVIDIA CORPORATION COMMON STOCK 67066G104 1,069,479 5,345 SH DFND 5,345 0 0
NUVEEN AMT FREE MUNI CR INC CLOSED END MUTUAL FUNDS 67071L106 76,800 6,000 SH SOLE 6,000 0 0
NUTRIEN LTD FOREIGN EQUITIES 67077M108 10,072 160 SH SOLE 160 0 0
OAKTREE SPECIALTY LENDING COMMON STOCK 67401P405 8,716 730 SH SOLE 730 0 0
OMNICOM GROUP INC COMMON STOCK 681919106 3,720,678 51,088 SH SOLE 50,488 0 600
OMNICOM GROUP INC COMMON STOCK 681919106 189,354 2,600 SH DFND 2,600 0 0
ONEOK INC COMMON STOCK 682680103 34,254 394 SH SOLE 394 0 0
OPEN LENDING CORP COMMON STOCK 68373J104 620 200 SH SOLE 200 0 0
ORACLE CORP COMMON STOCK 68389X105 348,495 2,378 SH SOLE 2,378 0 0
OTIS WORLDWIDE CORP COMMON STOCK 68902V107 23,986 335 SH SOLE 335 0 0
OTIS WORLDWIDE CORP COMMON STOCK 68902V107 21,480 300 SH DFND 300 0 0
PNC FINL SVCS GROUP INC COMMON STOCK 693475105 3,274,716 13,300 SH SOLE 13,300 0 0
PNC FINL SVCS GROUP INC COMMON STOCK 693475105 112,522 457 SH DFND 457 0 0
PPG INDUSTRIES INC COMMON STOCK 693506107 28,260 233 SH SOLE 233 0 0
PACCAR INC COMMON STOCK 693718108 21,141 176 SH SOLE 176 0 0
PALO ALTO NETWORKS INC COMMON STOCK 697435105 5,683,205 16,666 SH SOLE 16,666 0 0
PALO ALTO NETWORKS INC COMMON STOCK 697435105 948,004 2,780 SH DFND 2,780 0 0
PAYCHEX INC COMMON STOCK 704326107 147,495 1,500 SH SOLE 1,500 0 0
PAYCHEX INC COMMON STOCK 704326107 56,539 575 SH DFND 575 0 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103 10,795 250 SH SOLE 250 0 0
PEOPLES FINL SVCS CORP COMMON STOCK 711040105 80,826 1,218 SH SOLE 1,218 0 0
PEPSICO INC COMMON STOCK 713448108 8,367,573 61,799 SH SOLE 61,799 0 0
PEPSICO INC COMMON STOCK 713448108 752,552 5,558 SH DFND 5,558 0 0
PERMIAN RESOURCES CORP CL A COMMON STOCK 71424F105 9,034 491 SH SOLE 491 0 0
PFIZER INC COMMON STOCK 717081103 1,256,874 52,218 SH SOLE 52,218 0 0
PFIZER INC COMMON STOCK 717081103 70,354 2,923 SH DFND 2,923 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109 208,046 1,150 SH SOLE 1,150 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109 124,646 689 SH DFND 689 0 0
PHILLIPS 66 COMMON STOCK 718546104 3,507,902 20,751 SH SOLE 20,751 0 0
PHILLIPS 66 COMMON STOCK 718546104 94,667 560 SH DFND 560 0 0
PIMCO COMMODITIES ACTIVE STRATEGY ETF ETF/OTHER 72201R593 20,327 663 SH SOLE 663 0 0
PLAINS ALL AMERICAN PIPELINE COMMON STOCK 726503105 55,625 2,500 SH DFND 2,500 0 0
PLUG POWER INC COMMON STOCK 72919P202 2,710 1,000 SH DFND 1,000 0 0
PRINCIPAL FINANCIAL GRP INC COMMON STOCK 74251V102 15,843 147 SH SOLE 147 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 7,380,798 50,333 SH SOLE 50,333 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 627,029 4,276 SH DFND 4,276 0 0
PROSPERITY BANCSHARES INC COMMON STOCK 743606105 31,695 434 SH SOLE 434 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102 60,116 557 SH SOLE 557 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102 23,204 215 SH DFND 215 0 0
PRUDENTIAL PLC ADR FOREIGN EQUITIES 74435K204 66,437 2,479 SH SOLE 2,479 0 0
PUBLIC SVC ENTERPRISE GROUP COMMON STOCK 744573106 4,083,999 50,327 SH SOLE 50,327 0 0
PUBLIC SVC ENTERPRISE GROUP COMMON STOCK 744573106 947,421 11,675 SH DFND 11,675 0 0
PULTE GROUP INC COMMON STOCK 745867101 28,814 210 SH DFND 210 0 0
PUTNAM FOCUSED LARGE CAP ETF ETF/EQUITY 746729300 78,972 1,550 SH SOLE 1,550 0 0
QNITY ELECTRONICS INC COMMON STOCK 74743L100 62,547 383 SH SOLE 383 0 0
QNITY ELECTRONICS INC COMMON STOCK 74743L100 26,455 162 SH DFND 162 0 0
QUALCOMM INC COMMON STOCK 747525103 5,128,242 27,752 SH SOLE 27,752 0 0
QUALCOMM INC COMMON STOCK 747525103 510,943 2,765 SH DFND 2,765 0 0
RTX CORP COMMON STOCK 75513E101 5,685,389 29,966 SH SOLE 29,966 0 0
RTX CORP COMMON STOCK 75513E101 595,743 3,140 SH DFND 3,140 0 0
REALTY INCOME CORP COMMON STOCK 756109104 40,577 655 SH SOLE 655 0 0
RED ROCK RESORTS INC CL A COMMON STOCK 75700L108 16,395 252 SH SOLE 252 0 0
REDDIT CLASS A COMMON STOCK 75734B100 13,886 80 SH DFND 80 0 0
REGENERON PHARMACEUTICALS COMMON STOCK 75886F107 59,235 95 SH SOLE 95 0 0
REINSURANCE GROUP OF AMERICA COMMON STOCK 759351604 26,155 123 SH SOLE 123 0 0
RENTOKIL INITIAL PLC SPONSORED ADR FOREIGN EQUITIES 760125104 19,340 676 SH SOLE 676 0 0
REPUBLIC SERVICES INC COMMON STOCK 760759100 21,308 100 SH SOLE 100 0 0
RESTAURANT BRANDS INTL INC FOREIGN EQUITIES 76131D103 19,940 275 SH SOLE 275 0 0
REXFORD INDUSTRIAL REALTY COMMON STOCK 76169C100 9,145 273 SH SOLE 273 0 0
RIBBONS COMMUNICATIONS INC COMMON STOCK 762544104 3,262 1,400 SH SOLE 1,400 0 0
ROCKWELL AUTOMATION INC COMMON STOCK 773903109 44,557 90 SH DFND 90 0 0
ROYAL BANK OF CANADA FOREIGN EQUITIES 780087102 1,852,582 8,951 SH SOLE 8,951 0 0
ROYAL BANK OF CANADA FOREIGN EQUITIES 780087102 61,676 298 SH DFND 298 0 0
SHELL PLC FOREIGN EQUITIES 780259305 34,117 440 SH SOLE 440 0 0
RUSH ENTERPRISES INC CL A COMMON STOCK 781846209 28,462 390 SH SOLE 390 0 0
S&P GLOBAL INC COMMON STOCK 78409V104 239,468 588 SH SOLE 588 0 0
SEI INVESTMENTS CO. COMMON STOCK 784117103 36,399 415 SH SOLE 415 0 0
SPDR S&P 500 ETF ETF/EQUITY 78462F103 10,815,442 14,483 SH SOLE 14,483 0 0
SPDR S&P 500 ETF ETF/EQUITY 78462F103 383,837 514 SH DFND 514 0 0
SPDR GOLD SHARES ETF/OTHER 78463V107 64,098 174 SH SOLE 174 0 0
SPDR GOLD SHARES ETF/OTHER 78463V107 1,556,405 4,225 SH DFND 4,225 0 0
SPDR S&P WORLD EX-US ETF/INTERNATIONAL EQUITY 78463X889 41,865 831 SH SOLE 831 0 0
SPDR INTERM CORP BOND ETF ETF/FIXED INCOME 78464A375 1,275,107 38,120 SH SOLE 37,562 0 558
SPDR INTERM CORP BOND ETF ETF/FIXED INCOME 78464A375 25,388 759 SH DFND 759 0 0
SPDR BLOOMBERG EM MKT ETF ETF/INTERNATIONAL FIXED INCOME 78464A391 2,425 116 SH SOLE 116 0 0
SPDR PORTFOLIO S&P500 GROWTH ETF/EQUITY 78464A409 574,952 4,832 SH SOLE 4,832 0 0
SPDR PORTFOLIO S&P500 GROWTH ETF/EQUITY 78464A409 125,534 1,055 SH DFND 1,055 0 0
SPDR PORTFOLIO S&P 500 VALUE ETF/EQUITY 78464A508 975,916 16,054 SH SOLE 16,054 0 0
SPDR PORTFOLIO S&P 500 VALUE ETF/EQUITY 78464A508 75,075 1,235 SH DFND 1,235 0 0
SPDR PORTFOLIO MIDCAP ETF ETF/EQUITY 78464A847 3,039 45 SH SOLE 45 0 0
SPDR PORTFOLIO S&P 500 ETF/EQUITY 78464A854 1,100,690 12,525 SH SOLE 12,425 0 100
SPDR PORTFOLIO S&P 500 ETF/EQUITY 78464A854 12,742 145 SH DFND 145 0 0
SS&C TECHNOLOGIES HLDGS INC COMMON STOCK 78467J100 9,554 154 SH SOLE 154 0 0
SPDR BLACKSTONE/GSO SENIOR LOAN ETF ETF/FIXED INCOME 78467V608 38,476 955 SH SOLE 955 0 0
SPDR DOW JONES INDL AVERAGE ETF ETF/EQUITY 78467X109 101,343 194 SH SOLE 194 0 0
SPDR S&P MIDCAP 400 ETF ETF/EQUITY 78467Y107 7,535,445 10,714 SH SOLE 10,714 0 0
SPDR S&P MIDCAP 400 ETF ETF/EQUITY 78467Y107 68,925 98 SH DFND 98 0 0
SPDR PORTFOLIO SMALLCAP ETF ETF/EQUITY 78468R853 39,040 677 SH SOLE 677 0 0
SALESFORCE INC COMMON STOCK 79466L302 2,277,485 14,538 SH SOLE 14,538 0 0
SALESFORCE INC COMMON STOCK 79466L302 302,351 1,930 SH DFND 1,930 0 0
SANDISK CORP COMMON STOCK 80004C200 15,916 7 SH SOLE 7 0 0
SANMINA CORPORATION COMMON STOCK 801056102 7,339 29 SH SOLE 29 0 0
SAP AG SPON ADR FOREIGN EQUITIES 803054204 18,647 121 SH SOLE 121 0 0
SLB FOREIGN EQUITIES 806857108 54,300 1,168 SH SOLE 1,168 0 0
SLB FOREIGN EQUITIES 806857108 40,260 866 SH DFND 866 0 0
CHARLES SCHWAB CORP COMMON STOCK 808513105 115,336 1,250 SH SOLE 1,250 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF ETF/EQUITY 808524201 132,876 4,515 SH DFND 4,515 0 0
SCHWAB US SMALL CAP ETF ETF/EQUITY 808524607 4,129,576 114,298 SH SOLE 114,298 0 0
SCHWAB US SMALL CAP ETF ETF/EQUITY 808524607 231,338 6,403 SH DFND 6,403 0 0
SCHWAB MUNICIPAL BOND ETF ETF/FIXED INCOME 808524649 58,872 2,281 SH SOLE 2,281 0 0
SCHWAB EMG MKT EQ ETF ETF/INTERNATIONAL EQUITY 808524706 4,821 133 SH SOLE 133 0 0
SCHWAB FNDMNTL EM EQ ETF ETF/INTERNATIONAL EQUITY 808524730 912 23 SH SOLE 23 0 0
SCHWAB FNDMTL INTL SM ETF ETF/INTERNATIONAL EQUITY 808524748 1,553 32 SH SOLE 32 0 0
SCHWAB US SMALL CO ETF ETF/EQUITY 808524763 5,100 134 SH SOLE 134 0 0
SCHWAB INTL EQUITY ETF ETF/INTERNATIONAL EQUITY 808524805 6,537 236 SH SOLE 236 0 0
SCHWAB US REIT ETF ETF/EQUITY 808524847 1,397 59 SH SOLE 59 0 0
SCHWAB INTL SM CAP EQ ETF ETF/INTERNATIONAL EQUITY 808524888 1,587 33 SH SOLE 33 0 0
MATERIALS SELECT SECTOR SPDR ETF/EQUITY 81369Y100 55,913 1,100 SH SOLE 1,100 0 0
MATERIALS SELECT SECTOR SPDR ETF/EQUITY 81369Y100 1,004,908 19,770 SH DFND 19,770 0 0
HEALTH CARE SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y209 408,859 2,577 SH SOLE 2,577 0 0
HEALTH CARE SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y209 10,312 65 SH DFND 65 0 0
CONSUMER STAPLES SECTOR SPDR ETF/EQUITY 81369Y308 183,560 2,210 SH SOLE 2,210 0 0
CONSUMER STAPLES SECTOR SPDR ETF/EQUITY 81369Y308 8,306 100 SH DFND 100 0 0
CONSUMER DISCRET SEL SECT SPDR ETF ETF/EQUITY 81369Y407 337,766 2,880 SH SOLE 2,880 0 0
CONSUMER DISCRET SEL SECT SPDR ETF ETF/EQUITY 81369Y407 19,937 170 SH DFND 170 0 0
ENERGY SELECT SECTOR SPDR ETF/EQUITY 81369Y506 2,600,404 48,963 SH SOLE 48,963 0 0
ENERGY SELECT SECTOR SPDR ETF/EQUITY 81369Y506 262,893 4,950 SH DFND 4,950 0 0
SPDR FINANCIAL SELECT SECTOR ETF/EQUITY 81369Y605 296,246 5,526 SH SOLE 5,526 0 0
SPDR INDUSTRIALS (XLI) ETF/EQUITY 81369Y704 211,162 1,140 SH SOLE 1,140 0 0
TECHNOLOGY SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y803 750,075 3,937 SH SOLE 3,937 0 0
TECHNOLOGY SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y803 88,020 462 SH DFND 462 0 0
SELECT SECTOR SPDR TR COMMUNICATION ETF/EQUITY 81369Y852 51,630 482 SH SOLE 482 0 0
UTILITIES SELECT SECTOR SPDR ETF/EQUITY 81369Y886 2,588,167 57,084 SH SOLE 57,056 0 28
UTILITIES SELECT SECTOR SPDR ETF/EQUITY 81369Y886 18,408 406 SH DFND 406 0 0
SELECTIVE INS GROUP INC COMMON STOCK 816300107 7,081 73 SH SOLE 73 0 0
SEMPRA ENERGY COMMON STOCK 816851109 2,440,187 26,321 SH SOLE 26,321 0 0
SEMPRA ENERGY COMMON STOCK 816851109 176,610 1,905 SH DFND 1,905 0 0
SHOPIFY INC FOREIGN EQUITIES 82509L107 77,299 677 SH SOLE 677 0 0
SIRIUSXM HOLDINGS INC COMMON STOCK 829933100 5,612 190 SH DFND 190 0 0
SIXTH ST SPECIALTY LENDING COMMON STOCK 83012A109 17,160 1,000 SH SOLE 1,000 0 0
SNAP ON INC COMMON STOCK 833034101 60,358 150 SH SOLE 150 0 0
SONY CORP ADR FOREIGN EQUITIES 835699307 51,929 2,590 SH SOLE 2,590 0 0
SOUTHERN COMPANY COMMON STOCK 842587107 52,640 550 SH SOLE 550 0 0
SOUTHERN COMPANY COMMON STOCK 842587107 114,852 1,200 SH DFND 1,200 0 0
SOUTHERN COPPER CORP COMMON STOCK 84265V105 86,955 499 SH SOLE 499 0 0
SPACE EXPL TECHNOLOGIES COMMON STOCK 84615Q103 38,442 225 SH SOLE 225 0 0
SPIRE INC COMMON STOCK 84857L101 23,973 307 SH SOLE 307 0 0
SPROTT PHYSICAL GOLD TRUST ETF/OTHER 85207H104 743,564 24,654 SH SOLE 24,654 0 0
BLOCK INC CL A COMMON STOCK 852234103 24,852 327 SH SOLE 327 0 0
STAG INDL INC COMMON STOCK 85254J102 36,194 951 SH SOLE 951 0 0
STARBUCKS CORP COMMON STOCK 855244109 742,196 7,263 SH SOLE 7,263 0 0
STARBUCKS CORP COMMON STOCK 855244109 12,773 125 SH DFND 125 0 0
STATE STREET CORP COMMON STOCK 857477103 94,128 555 SH SOLE 555 0 0
STRIDE INCORPORATE 1.125 percent 09/01/27 CONVERTIBLE CORPORATE BONDS 86333MAA6 13,496 8,000 PRN DFND 8,000 0 0
STRYKER CORP COMMON STOCK 863667101 2,333,179 7,411 SH SOLE 7,411 0 0
STRYKER CORP COMMON STOCK 863667101 44,075 140 SH DFND 140 0 0
SUBURBAN PROPANE PARTNERS LP COMMON STOCK 864482104 11,279 660 SH SOLE 660 0 0
SYNCHRONY FINANCIAL COMMON STOCK 87165B103 17,032 224 SH SOLE 224 0 0
SYSCO CORP COMMON STOCK 871829107 147,518 1,765 SH SOLE 1,765 0 0
TJX COMPANIES COMMON STOCK 872540109 45,450 300 SH SOLE 300 0 0
T MOBILE US INC COMMON STOCK 872590104 70,446 420 SH SOLE 420 0 0
TAIWAN SEMICONDUCTOR MFG LTDSPONSORED ADS FOREIGN EQUITIES 874039100 246,425 516 SH SOLE 516 0 0
TARGET CORP COMMON STOCK 87612E106 680,072 5,207 SH SOLE 5,207 0 0
TARGET CORP COMMON STOCK 87612E106 30,040 230 SH DFND 230 0 0
TECK RESOURCES LTD CLASS B FOREIGN EQUITIES 878742204 10,701 180 SH SOLE 180 0 0
TELEDYNE TECHNOLOGIES INC COMMON STOCK 879360105 124,710 187 SH DFND 187 0 0
TENARIS SA ADR FOREIGN EQUITIES 88031M109 55,490 1,000 SH SOLE 1,000 0 0
TESLA MOTORS INC COMMON STOCK 88160R101 683,457 1,625 SH SOLE 1,625 0 0
TESLA MOTORS INC COMMON STOCK 88160R101 25,235 60 SH DFND 60 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 7,666,902 25,722 SH SOLE 25,722 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 287,635 965 SH DFND 965 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 2,725,792 5,437 SH SOLE 5,437 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 238,138 475 SH DFND 475 0 0
THOR INDUSTRIES INC COMMON STOCK 885160101 42,008 559 SH SOLE 559 0 0
3M COMPANY COMMON STOCK 88579Y101 161,910 1,000 SH DFND 1,000 0 0
TOMPKINS FINANCIAL CORP COMMON STOCK 890110109 283,560 3,000 SH DFND 3,000 0 0
TORONTO DOMINION BANK FOREIGN EQUITIES 891160509 30,357 250 SH SOLE 250 0 0
TOYOTA MOTOR CORP FOREIGN EQUITIES 892331307 101,052 600 SH DFND 600 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109 487,565 1,477 SH SOLE 1,477 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109 18,156 55 SH DFND 55 0 0
TRUIST FINANCIAL CORP COMMON STOCK 89832Q109 4,656,091 93,478 SH SOLE 93,478 0 0
TRUIST FINANCIAL CORP COMMON STOCK 89832Q109 191,066 3,836 SH DFND 3,836 0 0
TRUSTCO BANK CORP COMMON STOCK 898349204 27,450 500 SH SOLE 0 0 500
GMO INTERNATIONAL VALUE ETF ETF/INTERNATIONAL EQUITY 90139K407 10,906 291 SH SOLE 291 0 0
US BANCORP COMMON STOCK 902973304 1,470,072 24,339 SH SOLE 24,339 0 0
US BANCORP COMMON STOCK 902973304 334,012 5,530 SH DFND 5,530 0 0
UNION PACIFIC CORP COMMON STOCK 907818108 1,315,392 4,836 SH SOLE 4,836 0 0
UNION PACIFIC CORP COMMON STOCK 907818108 65,280 240 SH DFND 240 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 3,134,568 29,159 SH SOLE 28,559 0 600
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 257,461 2,395 SH DFND 2,395 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 2,826,666 6,801 SH SOLE 6,801 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 124,687 300 SH DFND 300 0 0
VALE SA SPONSORED ADS FOREIGN EQUITIES 91912E105 9,024 600 SH SOLE 600 0 0
VALMONT INDUSTRIES INC COMMON STOCK 920253101 37,543 65 SH SOLE 65 0 0
VANECK VECTORS GOLD MINERS ETF ETF/INTERNATIONAL EQUITY 92189F106 1,509,000 20,000 SH DFND 20,000 0 0
VANECK VECTORS ETF TR GREEN BD ETF ETF/FIXED INCOME 92189F171 2,413 100 SH SOLE 100 0 0
VANGUARD DIVIDEND APPRECIATION ETF ETF/EQUITY 921908844 1,523,594 6,439 SH SOLE 6,439 0 0
VANGUARD TOTAL INTL STOCK ETF ETF/INTERNATIONAL EQUITY 921909768 199,276 2,331 SH SOLE 2,331 0 0
VANGUARD S&P SMALLCAP ETF ETF/EQUITY 921932828 11,553 84 SH SOLE 84 0 0
VANGUARD BD INDEX FD INC LONG TERM BOND ETF/FIXED INCOME 921937793 14,819 215 SH SOLE 0 0 215
VANGUARD SHORT TERM BOND ETF ETF/FIXED INCOME 921937827 105,165 1,350 SH SOLE 1,350 0 0
VANGUARD TOTAL BOND MRKT ETF ETF/FIXED INCOME 921937835 340,428 4,638 SH SOLE 4,638 0 0
VANGUARD TOTAL BOND MRKT ETF ETF/FIXED INCOME 921937835 5,505 75 SH DFND 75 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF/INTERNATIONAL EQUITY 921943858 312,930 4,392 SH SOLE 4,392 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF/INTERNATIONAL EQUITY 921943858 5,700 80 SH DFND 80 0 0
VANGUARD TOTAL INTL BOND ETF ETF/INTERNATIONAL FIXED INCOME 92203J407 65,961 1,362 SH SOLE 1,362 0 0
VANGUARD FINANCIALS ETF ETF/EQUITY 92204A405 572,460 4,350 SH SOLE 4,350 0 0
VANGUARD FINANCIALS ETF ETF/EQUITY 92204A405 355,320 2,700 SH DFND 2,700 0 0
VANGUARD INDUSTRIALS ETF ETF/EQUITY 92204A603 1,585,672 4,400 SH DFND 4,400 0 0
VANGUARD INFO TECH ETF ETF/EQUITY 92204A702 2,096,618 17,542 SH SOLE 17,542 0 0
VANGUARD INFO TECH ETF ETF/EQUITY 92204A702 326,050 2,728 SH DFND 2,728 0 0
VANGUARD UTILITIES ETF ETF/EQUITY 92204A876 12,722 65 SH SOLE 65 0 0
VANGUARD INTL EQUITY INDEX FGLB EX US ETF ETF/INTERNATIONAL EQUITY 922042676 1,255 28 SH SOLE 28 0 0
VANGUARD INTL EQUITY INDEX FFTSE SMCAP ETF ETF/INTERNATIONAL EQUITY 922042718 334,499 2,168 SH SOLE 2,168 0 0
VANGUARD FTSE ALL-WLD EX-US ETF ETF/INTERNATIONAL EQUITY 922042775 86,597 1,034 SH SOLE 1,034 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 922042858 1,891,127 31,688 SH SOLE 31,688 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 922042858 389,648 6,529 SH DFND 6,529 0 0
VANGUARD SHORT TERM CORP BOND ETF ETF/FIXED INCOME 92206C409 232,742 2,945 SH SOLE 2,945 0 0
VANGUARD SHORT TERM CORP BOND ETF ETF/FIXED INCOME 92206C409 62,195 787 SH DFND 787 0 0
VANGUARD LONG TERM TREASURY ETF/FIXED INCOME 92206C847 340,840 6,177 SH SOLE 6,177 0 0
VANGUARD LONG TERM TREASURY ETF/FIXED INCOME 92206C847 21,133 383 SH DFND 383 0 0
VANGUARD S&P 500 ETF ETF/EQUITY 922908363 23,190,487 33,766 SH SOLE 33,766 0 0
VANGUARD REIT ETF ETF/EQUITY 922908553 637,677 6,613 SH SOLE 6,613 0 0
VANGUARD REIT ETF ETF/EQUITY 922908553 13,402 139 SH DFND 139 0 0
VANGUARD SMALLCAP VALUE ETF ETF/EQUITY 922908611 711,473 2,928 SH SOLE 2,928 0 0
VANGUARD GROWTH ETF ETF/EQUITY 922908736 566,626 6,578 SH SOLE 6,578 0 0
VANGUARD GROWTH ETF ETF/EQUITY 922908736 111,120 1,290 SH DFND 1,290 0 0
VANGUARD VALUE ETF ETF/EQUITY 922908744 240,376 1,103 SH SOLE 1,103 0 0
VANGUARD SMALLCAP ETF ETF/EQUITY 922908751 262,188 865 SH SOLE 865 0 0
VANGUARD TOTAL STOCK MARKET ETF ETF/EQUITY 922908769 868,456 2,347 SH SOLE 2,347 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 7,356,868 173,758 SH SOLE 172,758 0 1,000
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 1,286,155 30,377 SH DFND 30,377 0 0
VERSANT MEDIA GROUP INC CL A COMMON STOCK 925283103 180 5 SH DFND 5 0 0
VERTEX PHARMACEUTICALS INC COMMON STOCK 92532F100 243,391 490 SH SOLE 365 0 125
VERTEX PHARMACEUTICALS INC COMMON STOCK 92532F100 4,967 10 SH DFND 10 0 0
VISA INC CLASS A COMMON STOCK 92826C839 4,592,094 13,385 SH SOLE 13,385 0 0
VISA INC CLASS A COMMON STOCK 92826C839 720,123 2,099 SH DFND 2,099 0 0
VODAFONE GROUP PLC ADR FOREIGN EQUITIES 92857W308 39 3 SH SOLE 3 0 0
WAL MART STORES INC COMMON STOCK 931142103 8,316,069 73,425 SH SOLE 73,425 0 0
WAL MART STORES INC COMMON STOCK 931142103 2,073,222 18,305 SH DFND 18,305 0 0
WARBY PARKER INC CL A COMMON STOCK 93403J106 20,418 673 SH SOLE 673 0 0
WARNER BROS DISCOVERY INC COMMON STOCK 934423104 111,129 4,170 SH SOLE 4,170 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109 2,018,815 9,058 SH SOLE 9,058 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109 235,135 1,055 SH DFND 1,055 0 0
WATTS WATER TECHNOLOGIES INC COMMON STOCK 942749102 19,572 50 SH SOLE 50 0 0
WEBSTER FINANCIAL CORP COMMON STOCK 947890109 42,182 552 SH SOLE 552 0 0
WEBSTER FINANCIAL CORP COMMON STOCK 947890109 35,382 463 SH DFND 463 0 0
WELLS FARGO & CO COMMON STOCK 949746101 223,429 2,704 SH SOLE 2,704 0 0
WESCO INTL INC COMMON STOCK 95082P105 104,661 303 SH SOLE 303 0 0
WESTERN ALLIANCE BANCORP COMMON STOCK 957638109 35,099 427 SH SOLE 427 0 0
WESTERN DIGITAL CORP COMMON STOCK 958102105 87,503 137 SH SOLE 137 0 0
WILLIAMS COMPANIES INC COMMON STOCK 969457100 27,133 365 SH SOLE 365 0 0
WILLIAMS COMPANIES INC COMMON STOCK 969457100 743,400 10,000 SH DFND 10,000 0 0
WISDOMTREE US HIGH DIVIDEND ETF ETF/EQUITY 97717W208 1,718,841 15,120 SH SOLE 15,120 0 0
WISDOMTREE US HIGH DIVIDEND ETF ETF/EQUITY 97717W208 10,231 90 SH DFND 90 0 0
WOODSIDE ENERGY GROUP LTD FOREIGN EQUITIES 980228308 1,042 54 SH DFND 54 0 0
WORKDAY INC CL A COMMON STOCK 98138H101 11,874 97 SH SOLE 97 0 0
SPDR GOLD MINISHARES ETF/OTHER 98149E303 155,817 1,962 SH SOLE 1,962 0 0
SPDR GOLD MINISHARES ETF/OTHER 98149E303 18,504 233 SH DFND 233 0 0
YUM BRANDS INC COMMON STOCK 988498101 30,533 191 SH SOLE 191 0 0
YUM CHINA HLDGS INC FOREIGN EQUITIES 98850P109 7,191 176 SH SOLE 176 0 0
ZIMMER HOLDINGS INC COMMON STOCK 98956P102 92,977 1,080 SH SOLE 1,080 0 0
ZIMMER HOLDINGS INC COMMON STOCK 98956P102 137,744 1,600 SH DFND 1,600 0 0
ZIONS BANCORP COMMON STOCK 989701107 44,004 636 SH SOLE 636 0 0