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
AFLAC INC COMMON STOCK 001055102 469,000 4,000 SH SOLE 4,000 0 0
AT&T INC GLBL NT COMMON STOCK 00206R102 77,543 3,746 SH SOLE 3,746 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100 128,850 1,420 SH SOLE 1,420 0 0
ABBVIE INC SR NT COMMON STOCK 00287Y109 65,426 260 SH SOLE 260 0 0
ABERDEEN TOTAL DYNAMIC DIV FUND MUTUAL FUND/STO 00326L100 2,578 250 SH SOLE 250 0 0
ADVANSIX INC COM COMMON STOCK 00773T101 298 15 SH SOLE 15 0 0
AGILENT TECHNOLOGIES INC COMMON STOCK 00846U101 33,473 252 SH SOLE 252 0 0
ALLEGHENY TECHNOLOGIES INC COMMON STOCK 01741R102 788,400 4,000 SH SOLE 4,000 0 0
ALLSTATE CORP COMMON STOCK 020002101 102,790 432 SH SOLE 432 0 0
ALPHABET INC SR COMMON STOCK 02079K107 137,798 390 SH SOLE 390 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 143,900 2,000 SH SOLE 2,000 0 0
AMAZON COM INC COMMON STOCK 023135106 23,834 100 SH SOLE 100 0 0
AVANTIS US LARGE CAP VALUE ETF MUTUAL FUND/STO 025072349 76,920,219 843,331 SH SOLE 843,331 0 0
AVANTIS US LARGE CAP VALUE ETF MUTUAL FUND/STO 025072349 32,836 360 SH OTR 360 0 0
AVANTIS INTL EQ ETF MUTUAL FUND/STO 025072703 66,741,847 748,227 SH SOLE 748,227 0 0
AMERICAN ELEC PWR CO INC JR SB COMMON STOCK 025537101 185,104 1,353 SH SOLE 1,353 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 16,913 50 SH SOLE 50 0 0
CENCORA, INC. COMMON STOCK 03073E105 282,980 1,000 SH SOLE 1,000 0 0
AMETEK INC NEW COMMON STOCK 031100100 272,183 1,125 SH SOLE 1,125 0 0
AMGEN INC SR GLBL NT COMMON STOCK 031162100 72,424 200 SH SOLE 200 0 0
APPLE INC COMMON STOCK 037833100 415,231 1,435 SH SOLE 1,435 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 11,645 52 SH SOLE 52 0 0
BP PLC FOREIGN STOCK 055622104 7,390 200 SH SOLE 200 0 0
BAKER HUGHES A GE CO COMMON STOCK 05722G100 13,320 240 SH SOLE 240 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104 9,117 160 SH SOLE 160 0 0
BERKSHIRE HATHAWAY INC COMMON STOCK 084670702 30,023 60 SH SOLE 60 0 0
BLACK STONE MIN LP UNIT PARTNERSHIPS 09225M101 4,191 300 SH SOLE 300 0 0
BLACKROCK TCP CAP CORP MUTUAL FUND/STO 09259E108 2,016 600 SH SOLE 600 0 0
BLACKSTONE GROUP INC COMMON STOCK 09260D107 176,505 1,500 SH SOLE 1,500 0 0
BOEING CO DEP CONV COMMON STOCK 097023105 86,588 400 SH SOLE 400 0 0
BRISTOL-MYERS SQUIBB CO COMMON STOCK 110122108 40,334 700 SH SOLE 700 0 0
BROADCOM INC COMMON STOCK 11135F101 78,572 208 SH SOLE 208 0 0
BROOKFIELD RENEWABLE CORPORATION FOREIGN STOCK 11285B108 7,424 200 SH SOLE 200 0 0
CNO FINL GROUP INC COMMON STOCK 12621E103 101,960 2,000 SH SOLE 2,000 0 0
CSX CORP COMMON STOCK 126408103 15,685 330 SH SOLE 330 0 0
CVS HEALTH CORPORATION COMMON STOCK 126650100 206,900 2,000 SH SOLE 2,000 0 0
CAPITAL GROUP INTERNATIONAL MUTUAL FUND/STO 14019W109 61,000 1,762 SH SOLE 1,762 0 0
CAPITAL GROUP GROWTH ETF MUTUAL FUND/STO 14020G101 10,667 226 SH SOLE 226 0 0
CAPITAL GROUP DIVIDEND VALUE ETF MUTUAL FUND/STO 14020W106 54,947 1,115 SH SOLE 1,115 0 0
CAPITAL ONE FINL CORP COMMON STOCK 14040H105 97,301 485 SH SOLE 485 0 0
CARRIER GLOBAL CORPORATION COMMON STOCK 14448C104 110,025 1,500 SH SOLE 1,500 0 0
CARS COM INC COMMON STOCK 14575E105 24,626 2,251 SH SOLE 2,251 0 0
CHARTER COMMUNICATIONS INC COMMON STOCK 16119P108 7,111 50 SH SOLE 50 0 0
CHEMOURS CO COMMON STOCK 163851108 89,057 4,340 SH SOLE 4,340 0 0
CHEMUNG FINANCIAL CORP. COMMON STOCK 164024101 14,916 200 SH SOLE 200 0 0
EXPAND ENERGY CORPORATION COMMON STOCK 165167735 27,539 302 SH SOLE 302 0 0
CHEVRON CORP NEW COMMON STOCK 166764100 281,792 1,700 SH SOLE 1,700 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 117,460 1,000 SH SOLE 1,000 0 0
CLOROX CO COMMON STOCK 189054109 19,088 200 SH SOLE 200 0 0
COCA COLA CO SR GLBL NT COMMON STOCK 191216100 654,224 8,050 SH SOLE 8,050 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 220,032 2,400 SH SOLE 2,400 0 0
COMCAST CORP COMMON STOCK 20030N101 24,845 1,012 SH SOLE 1,012 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 272,592 2,464 SH SOLE 2,464 0 0
CONSTELLATION BRANDS INC COMMON STOCK 21036P108 125,181 900 SH SOLE 900 0 0
CORNING INC COMMON STOCK 219350105 255,430 1,000 SH SOLE 1,000 0 0
CORTEVA INC COMMON STOCK 22052L104 93,074 1,099 SH SOLE 1,099 0 0
CTO RLTY GROWTH INC COMMON STOCK 22948Q101 5,378 250 SH SOLE 250 0 0
DXC TECHNOLOGY CO COM COMMON STOCK 23355L106 602 68 SH SOLE 68 0 0
DARDEN RESTAURANTS INC COMMON STOCK 237194105 16,687 81 SH SOLE 81 0 0
DELL TECHNOLOGIES INC COM COMMON STOCK 24703L202 154,031 357 SH SOLE 357 0 0
DIAGEO PLC FOREIGN STOCK 25243Q205 24,114 300 SH SOLE 300 0 0
DICK'S SPORTING GOODS INC COMMON STOCK 253393102 11,341 50 SH SOLE 50 0 0
DIGITAL REALTY TRUST INC COMMON STOCK 253868103 8,979 50 SH SOLE 50 0 0
DISNEY WALT CO COMMON STOCK 254687106 8,086 84 SH SOLE 84 0 0
DOMINION ENERGY INC JR COMMON STOCK 25746U109 20,487 300 SH SOLE 300 0 0
DOW INC COM COMMON STOCK 260557103 46,129 1,686 SH SOLE 1,686 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204 16,582 131 SH SOLE 131 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N201 55,476 410 SH SOLE 410 0 0
EASTMAN CHEM CO COMMON STOCK 277432100 47,154 704 SH SOLE 704 0 0
EATON VANCE TAX-ADVANTAGED GLO MUTUAL FUND/STO 27828U106 15,435 500 SH SOLE 500 0 0
EATON VANCE MUTUAL FUND/STO 27829C105 11,086 1,150 SH SOLE 1,150 0 0
EMERSON ELECTRIC CO COMMON STOCK 291011104 384,501 2,686 SH SOLE 2,686 0 0
ENBRIDGE INC FOREIGN STOCK 29250N105 10,408 192 SH SOLE 192 0 0
ENERGY TRANSFER OPERATING LP PARTNERSHIPS 29273V100 26,596 1,391 SH SOLE 1,391 0 0
ENTERGY CORP NEW COMMON STOCK 29364G103 12,635 110 SH SOLE 110 0 0
EVERSOURCE ENERGY COMMON STOCK 30040W108 14,454 200 SH SOLE 200 0 0
EXELON CORP COMMON STOCK 30161N101 22,098 474 SH SOLE 474 0 0
EXTRA SPACE STORAGE INC COMMON STOCK 30225T102 97,496 671 SH SOLE 671 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102 409,750 2,997 SH SOLE 2,997 0 0
FIRST TRUST NASDAQ TECHNOLOGY MUTUAL FUND/STO 33738R118 41,701 363 SH SOLE 363 0 0
FLEXSHARES GLOBAL QUALITY REAL MUTUAL FUND/STO 33939L787 39,000,914 609,395 SH SOLE 609,395 0 0
FORD MOTOR COMPANY COMMON STOCK 345370860 13,886 999 SH SOLE 999 0 0
FREEPORT-MCMORAN INC COMMON STOCK 35671D857 62,890 1,000 SH SOLE 1,000 0 0
GE HEALTHCARE TECHNOLOGIES INC COMMON STOCK 36266G107 35,846 560 SH SOLE 560 0 0
GARRETT MOTION INC COM COMMON STOCK 366505105 1,341 37 SH SOLE 37 0 0
GE VERNOVA INC COMMON STOCK 36828A101 493,442 420 SH SOLE 420 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 15,587 44 SH SOLE 44 0 0
GE AEROSPACE COMMON STOCK 369604301 659,259 1,764 SH SOLE 1,764 0 0
GENERAL MTRS CO SR GLBL NT COMMON STOCK 37045V100 46,248 600 SH SOLE 600 0 0
GSK PLC FOREIGN STOCK 37733W204 121,772 2,323 SH SOLE 2,323 0 0
GOLDMAN SACHS ACTIVEBETA U.S. MUTUAL FUND/STO 381430503 56,614 399 SH SOLE 399 0 0
HP INC COMMON STOCK 40434L105 26,328 1,200 SH SOLE 1,200 0 0
THE HARTFORD INSURANCE GROUP, COMMON STOCK 416515104 54,333 410 SH SOLE 410 0 0
HERSHEY CO COMMON STOCK 427866108 144,395 823 SH SOLE 823 0 0
HEWLETT PACKARD ENTERPRISE CO COMMON STOCK 42824C109 54,132 1,200 SH SOLE 1,200 0 0
HOME DEPOT INC SR GLBL NT COMMON STOCK 437076102 423,216 1,200 SH SOLE 1,200 0 0
HONEYWELL AEROSPACE INC COMMON STOCK 43849R105 41,453 188 SH SOLE 188 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516205 41,981 188 SH SOLE 188 0 0
HUMANA INC COMMON STOCK 444859102 158,888 400 SH SOLE 400 0 0
HUNTINGTON INGALLS INDS INC COMMON STOCK 446413106 7,837 28 SH SOLE 28 0 0
ITT INC COMMON STOCK 45073V108 316,416 1,600 SH SOLE 1,600 0 0
NYLI MERGER ARBITRAGE ETF MUTUAL FUND/STO 45409B800 25,280 693 SH SOLE 693 0 0
INTEL CORP COMMON STOCK 458140100 2,066,524 14,800 SH SOLE 14,800 0 0
INTERNATIONAL BUSINESS MACHS COMMON STOCK 459200101 854,878 3,040 SH SOLE 3,040 0 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103 17,907 470 SH SOLE 470 0 0
INVESCO QQQ TRUST MUTUAL FUND/STO 46090E103 510,325 693 SH SOLE 693 0 0
INVESCO S&P 500 REVENUE ETF MUTUAL FUND/STO 46138G698 69,374 543 SH SOLE 543 0 0
ISHARES GOLD TRUST MUTUAL FUND/STO 464285204 3,096 41 SH SOLE 41 0 0
ISHARES CORE S&P 500 (MKT) MUTUAL FUND/STO 464287200 150,728,346 201,269 SH SOLE 201,269 0 0
ISHARES CORE S&P 500 (MKT) MUTUAL FUND/STO 464287200 883,691 1,180 SH OTR 1,180 0 0
ISHARES CORE TOTAL US BOND MUTUAL FUND/COR 464287226 36,524 369 SH SOLE 369 0 0
ISHARES MSCI EMERGING MARKETS MUTUAL FUND/STO 464287234 8,551 125 SH SOLE 125 0 0
ISHARES S&P 500 GROWTH (MKT) MUTUAL FUND/STO 464287309 196,531 1,429 SH SOLE 1,429 0 0
ISHARES S&P 500 VALUE (MKT) MUTUAL FUND/STO 464287408 170,977 753 SH SOLE 753 0 0
ISHARES 1-3 YEAR TREASURY BOND MUTUAL FUND/GOV 464287457 242,636 2,955 SH SOLE 2,955 0 0
ISHARES MSCI EAFE (MKT) MUTUAL FUNDS GL 464287465 970,966 9,347 SH SOLE 9,347 0 0
ISHARES MSCI EAFE (MKT) MUTUAL FUNDS GL 464287465 114,268 1,100 SH OTR 1,100 0 0
ISHARES CORE S&P MID-CAP (MKT) MUTUAL FUND/STO 464287507 37,471,228 485,945 SH SOLE 485,945 0 0
ISHARES CORE S&P MID-CAP (MKT) MUTUAL FUND/STO 464287507 25,061 325 SH OTR 325 0 0
ISHARES PHLX SOX SEMICONDUCTOR MUTUAL FUND/STO 464287523 69,843 109 SH SOLE 109 0 0
ISHARES NASDAQ BIOTECHNOLOGY MUTUAL FUND/STO 464287556 342,342 1,800 SH SOLE 1,800 0 0
ISHARES RUSSELL 1000 VALUE (MKT) MUTUAL FUND/STO 464287598 283,886 1,171 SH SOLE 1,171 0 0
ISHARES S&P MIDCAP 400 GROWTH MUTUAL FUND/STO 464287606 105,515 898 SH SOLE 898 0 0
ISHARES RUSSELL 1000 GROWTH MUTUAL FUND/STO 464287614 690,012 5,557 SH SOLE 5,557 0 0
ISHARES RUSSELL 2000 GROWTH MUTUAL FUND/STO 464287648 43,730 111 SH SOLE 111 0 0
ISHARES RUSSELL 2000 (MKT) MUTUAL FUND/STO 464287655 166,750 555 SH SOLE 555 0 0
ISHARES CORE S&P SMALL-CAP (MKT) MUTUAL FUND/STO 464287804 25,406,095 171,304 SH SOLE 171,304 0 0
ISHARES CORE S&P SMALL-CAP (MKT) MUTUAL FUND/STO 464287804 74,155 500 SH OTR 500 0 0
ISHARES NATIONAL AMT-FREE MUNI MUTUAL FUNDS/MU 464288414 71,029 660 SH SOLE 660 0 0
ISHARES MBS (MKT) MUTUAL FUND/COR 464288588 27,694 293 SH SOLE 293 0 0
iShares 10-20 Year Treasury BOND MUTUAL FUND/GOV 464288653 16,056 160 SH SOLE 160 0 0
ISHARES U.S. AEROSPACE DEFENSE MUTUAL FUND/STO 464288760 54,302 224 SH SOLE 224 0 0
ISHARES RUSSELL TOP 200 ETF MUTUAL FUND/STO 464289446 29,777 161 SH SOLE 161 0 0
ISHARES CORE U.S. TREASURY BOND MUTUAL FUND/GOV 46429B267 1,434,935 62,991 SH SOLE 62,991 0 0
ISHARES AAA - A RATED CORPORATE MUTUAL FUND/COR 46429B291 2,179,793 45,871 SH SOLE 45,871 0 0
ISHARES MSCI USA MINIMUM MUTUAL FUND/STO 46429B697 57,394 595 SH SOLE 595 0 0
ISHARES CORE MSCI TOTAL INTL MUTUAL FUND/STO 46432F834 100,880 1,057 SH SOLE 1,057 0 0
ISHARES CORE MSCI EAFE MUTUAL FUNDS GL 46432F842 390,957 4,048 SH SOLE 4,048 0 0
ISHARES CORE MSCI EMERGING MUTUAL FUNDS GL 46434G103 38,106 460 SH SOLE 460 0 0
ISHARES CORE DIVIDEND GROWTH ETF MUTUAL FUND/STO 46434V621 42,291 558 SH SOLE 558 0 0
ISHARES CORE MSCI INTL DEV MKTS MUTUAL FUND/STO 46435G326 50,268,486 564,751 SH SOLE 564,751 0 0
ISHARES FALN ANGLS USD BD ETF MUTUAL FUND/COR 46435G474 33,798,006 1,240,749 SH SOLE 1,240,749 0 0
ISHARES FALN ANGLS USD BD ETF MUTUAL FUND/COR 46435G474 24,516 900 SH OTR 900 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100 834,037 2,548 SH SOLE 2,548 0 0
JPMORGAN BETABUILDERS EUR ETF MUTUAL FUND/STO 46641Q191 40,985 527 SH SOLE 527 0 0
JPMORGAN BETABUILDERS JAPAN ETF MUTUAL FUND/STO 46641Q217 62,959 836 SH SOLE 836 0 0
JPMORGAN BETABUILDERS CDA MUTUAL FUND/STO 46641Q225 44,830 451 SH SOLE 451 0 0
JPMORGAN BETABUILDERS DEV ASIA MUTUAL FUND/STO 46641Q233 29,157 487 SH SOLE 487 0 0
JPMORGAN MORTGAGE-BACKED MUTUAL FUND/GOV 46654Q575 2,943,797 58,086 SH SOLE 58,086 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 787,307 3,100 SH SOLE 3,100 0 0
KKR & CO INC COMMON STOCK 48251W104 18,356 200 SH SOLE 200 0 0
KENVUE INC COMMON STOCK 49177J102 5,064 265 SH SOLE 265 0 0
KEYCORP DP COMMON STOCK 493267108 368,800 16,000 SH SOLE 16,000 0 0
KEYSIGHT TECHNOLOGIES INC COMMON STOCK 49338L103 44,109 126 SH SOLE 126 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 43,908 400 SH SOLE 400 0 0
KONINLIJKE PHILIPS N.V. FOREIGN STOCK 500472303 33,661 1,238 SH SOLE 1,238 0 0
KRAFT HEINZ CO COMMON STOCK 500754106 7,251 307 SH SOLE 307 0 0
KYNDRYL HLDGS INC COMMON STOCK 50155Q100 2,352 208 SH SOLE 208 0 0
L3HARRIS TECHNOLOGIES INC COM COMMON STOCK 502431109 360,622 1,241 SH SOLE 1,241 0 0
LANDS END INC. COMMON STOCK 51509F105 220 21 SH SOLE 21 0 0
LEGGETT & PLATT INC COMMON STOCK 524660107 29,275 2,500 SH SOLE 2,500 0 0
LOUISIANA-PACIFIC CORP COMMON STOCK 546347105 190,042 2,416 SH SOLE 2,416 0 0
LUMEN TECHNOLOGIES INC COMMON STOCK 550241103 445 58 SH SOLE 58 0 0
MARATHON PETE CORP COMMON STOCK 56585A102 76,701 300 SH SOLE 300 0 0
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202 185,295 500 SH SOLE 500 0 0
MASCO CORP COMMON STOCK 574599106 488,220 6,000 SH SOLE 6,000 0 0
MASTERBRAND INC COMMON STOCK 57638P104 92,775 9,016 SH SOLE 9,016 0 0
MCDONALDS CORP COMMON STOCK 580135101 127,045 470 SH SOLE 470 0 0
MERCK & CO INC COMMON STOCK 58933Y105 154,200 1,200 SH SOLE 1,200 0 0
MICROSOFT CORP COMMON STOCK 594918104 722,540 1,937 SH SOLE 1,937 0 0
MONDELEZ INTL INC COMMON STOCK 609207105 53,328 922 SH SOLE 922 0 0
MORGAN STANLEY COMMON STOCK 617446448 75,254 360 SH SOLE 360 0 0
MOTOROLA SOLUTIONS INC COMMON STOCK 620076307 201,001 484 SH SOLE 484 0 0
NBT BANCORP INC COMMON STOCK 628778102 101,603 2,058 SH SOLE 2,058 0 0
NATIONAL GRID PLC FOREIGN STOCK 636274409 39,778 480 SH SOLE 480 0 0
NEWMONT GOLDCORP COMMON STOCK 651639106 23,257 249 SH SOLE 249 0 0
NIKE INC COMMON STOCK 654106103 636,275 15,500 SH SOLE 15,500 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 200,708 638 SH SOLE 638 0 0
NORTHROP GRUMMAN CORP COMMON STOCK 666807102 101,862 200 SH SOLE 200 0 0
NORTHWEST BANCSHARES INC COMMON STOCK 667340103 30,320 2,000 SH SOLE 2,000 0 0
OAKTREE SPECIALTY LENDING CORP COMMON STOCK 67401P405 1,194 100 SH SOLE 100 0 0
OCCIDENTAL PETE CORP SR COMMON STOCK 674599105 19,428 400 SH SOLE 400 0 0
OCCIDENTAL PETE CORP SR COMMON STOCK 674599162 1,332 50 SH SOLE 50 0 0
ONEOK INC SR GLBL COMMON STOCK 682680103 17,388 200 SH SOLE 200 0 0
ORACLE CORP SR COMMON STOCK 68389X105 87,930 600 SH SOLE 600 0 0
OTIS WORLDWIDE CORP GLBL COMMON STOCK 68902V107 53,700 750 SH SOLE 750 0 0
PJT PARTNERS INC COMMON STOCK 69343T107 56,603 375 SH SOLE 375 0 0
PAYCHEX INC COMMON STOCK 704326107 174,438 1,774 SH SOLE 1,774 0 0
PEPSICO INC COMMON STOCK 713448108 20,310 150 SH SOLE 150 0 0
PFIZER INC COMMON STOCK 717081103 219,128 9,100 SH SOLE 9,100 0 0
PHILIP MORRIS INTERNATIONAL INC COMMON STOCK 718172109 162,819 900 SH SOLE 900 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 159,397 1,087 SH SOLE 1,087 0 0
PRUDENTIAL FINL INC JR SB COMMON STOCK 744320102 31,192 289 SH SOLE 289 0 0
PUBLIC SERVICE ENTERPRISE GROUP COMMON STOCK 744573106 189,265 2,332 SH SOLE 2,332 0 0
QNITY ELECTRONICS INC COMMON STOCK 74743L100 100,109 613 SH SOLE 613 0 0
RAYONIER INC COMMON STOCK 754907103 21,940 1,031 SH SOLE 1,031 0 0
RTX CORPORATION COMMON STOCK 75513E101 319,315 1,683 SH SOLE 1,683 0 0
REALTY INCOME CORP COMMON STOCK 756109104 99,136 1,600 SH SOLE 1,600 0 0
RESIDEO TECHNOLOGIES INC COM COMMON STOCK 76118Y104 1,928 62 SH SOLE 62 0 0
ROYAL DUTCH SHELL PLC FOREIGN STOCK 780259305 308,920 3,984 SH SOLE 3,984 0 0
STATE STREET SPDR S&P 500 ETF MUTUAL FUND/STO 78462F103 2,018,519 2,703 SH SOLE 2,703 0 0
STATE STREET SPDR S&P 600 SMALL MUTUAL FUND/STO 78464A300 43,644 400 SH SOLE 400 0 0
STATE STREET SPDR PORTFOLIO S&P MUTUAL FUND/STO 78464A409 2,487,132 20,902 SH SOLE 20,902 0 0
STATE STREET SPDR PORTFOLIO S&P MUTUAL FUND/STO 78464A409 86,268 725 SH OTR 725 0 0
SABA CAPITAL INCOME & OPRNT FD MUTUAL FUND/COR 78518H202 3,292 501 SH SOLE 501 0 0
SCHWAB US DIVIDEND EQUITY ETF MUTUAL FUND/STO 808524797 278,002 8,767 SH SOLE 8,767 0 0
SCHWAB US DIVIDEND EQUITY ETF MUTUAL FUND/STO 808524797 28,539 900 SH OTR 900 0 0
STATE STREET CONSUMER STAPLES MUTUAL FUND/STO 81369Y308 41,701 502 SH SOLE 502 0 0
SMUCKER J M CO COMMON STOCK 832696405 56,250 500 SH SOLE 500 0 0
SOLSTICE ADVANCED MATLS INC COMMON STOCK 83443Q103 8,240 93 SH SOLE 93 0 0
SOLVENTUM CORP COMMON STOCK 83444M101 15,430 200 SH SOLE 200 0 0
SONY CORP FOREIGN STOCK 835699307 862,580 43,000 SH SOLE 43,000 0 0
SOUTH BOW CORP FOREIGN STOCK 83671M105 3,524 100 SH SOLE 100 0 0
SOUTHERN CO SR GLBL COMMON STOCK 842587107 382,840 4,000 SH SOLE 4,000 0 0
SPACE EXPLORATION TECHN CORP COMMON STOCK 84615Q103 17,086 100 SH SOLE 100 0 0
STANLEY BLACK & DECKER INC COMMON STOCK 854502101 122,356 1,300 SH SOLE 1,300 0 0
STARBUCKS CORP COMMON STOCK 855244109 255,475 2,500 SH SOLE 2,500 0 0
STEEL DYNAMICS INC COMMON STOCK 858119100 688,380 3,000 SH SOLE 3,000 0 0
STRYKER CORP COMMON STOCK 863667101 377,808 1,200 SH SOLE 1,200 0 0
SYSCO CORP COMMON STOCK 871829107 50,148 600 SH SOLE 600 0 0
TJX COS INC NEW COMMON STOCK 872540109 90,900 600 SH SOLE 600 0 0
TAKE-TWO INTERACTIVE SOFTWARE COMMON STOCK 874054109 19,998 80 SH SOLE 80 0 0
TC ENERGY CORP COM FOREIGN STOCK 87807B107 33,145 500 SH SOLE 500 0 0
TESLA INC COMMON STOCK 88160R101 26,918 64 SH SOLE 64 0 0
TEXAS INSTRS INC COMMON STOCK 882508104 167,515 562 SH SOLE 562 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 7,520 15 SH SOLE 15 0 0
3M CO COMMON STOCK 88579Y101 129,528 800 SH SOLE 800 0 0
TITAN INTERNATIONAL INC IL COMMON STOCK 88830M102 77,100 10,000 SH SOLE 10,000 0 0
TOMPKINS FINANCIAL CORPORATION COMMON STOCK 890110109 232,614 2,461 SH SOLE 2,461 0 0
TOPBUILD CORP COMMON STOCK 89055F103 330,421 932 SH SOLE 932 0 0
THE TRAVELERS COMPANIES INC COMMON STOCK 89417E109 33,012 100 SH SOLE 100 0 0
UNITED PARCEL SERVICE COMMON STOCK 911312106 32,250 300 SH SOLE 300 0 0
V F CORP COMMON STOCK 918204108 33,360 2,000 SH SOLE 2,000 0 0
VALERO ENERGY CORP SR GLBL COMMON STOCK 91913Y100 520,880 2,000 SH SOLE 2,000 0 0
VANGUARD INTERMEDIATE-TERM BOND MUTUAL FUND/GOV 921937819 6,379,451 83,174 SH SOLE 83,174 0 0
VANGUARD INTERMEDIATE-TERM BOND MUTUAL FUND/GOV 921937819 140,438 1,831 SH OTR 1,831 0 0
VANGUARD SHORT-TERM BOND ETF MUTUAL FUND/COR 921937827 138,680 1,780 SH SOLE 1,780 0 0
VANGUARD TOTAL BOND MARKET ETF MUTUAL FUND/GOV 921937835 25,694 350 SH SOLE 350 0 0
VANGUARD FTSE DEVELOPED MARKETS MUTUAL FUND/STO 921943858 91,484 1,284 SH SOLE 1,284 0 0
VANGUARD HIGH DIVIDEND YIELD MUTUAL FUND/STO 921946406 134,326 850 SH SOLE 850 0 0
VANGUARD INTERNATIONAL DIVIDEND MUTUAL FUND/STO 921946810 1,062,854 11,382 SH SOLE 11,382 0 0
VANGUARD INTERNATIONAL DIVIDEND MUTUAL FUND/STO 921946810 18,676 200 SH OTR 200 0 0
VANGUARD TOTAL INTERNATIONAL MUTUAL FUND/GOV 92203J407 41,795 863 SH SOLE 863 0 0
VANGUARD FTSE ALL-WORLD EX-US MUTUAL FUNDS GL 922042775 1,015,891 12,130 SH SOLE 12,130 0 0
VANGUARD EMERGING MARKETS STOCK MUTUAL FUND/STO 922042858 1,733,997 29,050 SH SOLE 29,050 0 0
VANGUARD EMERGING MARKETS STOCK MUTUAL FUND/STO 922042858 38,799 650 SH OTR 650 0 0
VANGUARD MORTGAGE-BACKED MUTUAL FUND/GOV 92206C771 20,082 429 SH SOLE 429 0 0
VANGUARD INTERM-TM CORP BD IDX MUTUAL FUND/COR 92206C870 19,671 238 SH SOLE 238 0 0
VECTRUS INC COMMON STOCK 92242T101 1,640 22 SH SOLE 22 0 0
VANGUARD S&P 500 ETF MUTUAL FUND/STO 922908363 372,251 542 SH SOLE 542 0 0
VANGUARD REAL ESTATE ETF MUTUAL FUND/STO 922908553 28,929 300 SH SOLE 300 0 0
VANGUARD MID-CAP ETF (MKT) MUTUAL FUND/STO 922908629 40,285 500 SH SOLE 500 0 0
VANGUARD VALUE INDEX FUND ETF MUTUAL FUND/STO 922908744 11,768 54 SH SOLE 54 0 0
VANGUARD SMALL CAP ETF (MKT) MUTUAL FUND/STO 922908751 60,928 201 SH SOLE 201 0 0
VANGUARD TOTAL STOCK MARKET ETF MUTUAL FUND/STO 922908769 2,218,762 5,996 SH SOLE 5,996 0 0
VERIZON COMMUNICATIONS INC COMMON STOCK 92343V104 18,926 447 SH SOLE 447 0 0
VERSANT MEDIA GROUP INC COMMON STOCK 925283103 1,440 40 SH SOLE 40 0 0
VIATRIS INC COMMON STOCK 92556V106 101,155 6,370 SH SOLE 6,370 0 0
VISA INC SR NT COMMON STOCK 92826C839 82,342 240 SH SOLE 240 0 0
VODAFONE GROUP PLC FOREIGN STOCK 92857W308 304 23 SH SOLE 23 0 0
VUZIX CORP COM COMMON STOCK 92921W300 4,350 1,500 SH SOLE 1,500 0 0
WABTEC COMMON STOCK 929740108 12,402 46 SH SOLE 46 0 0
WALMART INC COMMON STOCK 931142103 13,931 123 SH SOLE 123 0 0
WARNER BROS DISCOVERY INC COMMON STOCK 934423104 24,154 906 SH SOLE 906 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109 64,635 290 SH SOLE 290 0 0
WELLS FARGO & CO COMMON STOCK 949746101 277,010 3,352 SH SOLE 3,352 0 0
WENDYS CO COMMON STOCK 95058W100 123,239 14,866 SH SOLE 14,866 0 0
WEYERHAEUSER CO COMMON STOCK 962166104 181,561 7,584 SH SOLE 7,584 0 0
WISDOMTREE EM MKTS EX-STT OWND MUTUAL FUND/STO 97717X578 47,156,932 958,864 SH SOLE 958,864 0 0
XEROX HOLDINGS CORP COMMON STOCK 98421M106 939 300 SH SOLE 300 0 0
XEROX HOLDINGS CORP COMMON STOCK 98421M114 41 150 SH SOLE 150 0 0
ZIMMER BIOMET HLDGS INC COMMON STOCK 98956P102 8,609 100 SH SOLE 100 0 0
ACCENTURE PLC FOREIGN STOCK G1151C101 37,332 300 SH SOLE 300 0 0
LINDE PLC FOREIGN STOCK G54950103 311,364 600 SH SOLE 600 0 0
MEDTRONIC PLC FOREIGN STOCK G5960L103 15,646 200 SH SOLE 200 0 0
NORDIC AMERICAN TANKERS LIMITED FOREIGN STOCK G65773106 55,400 10,000 SH SOLE 10,000 0 0
CHUBB LIMITED FOREIGN STOCK H1467J104 61,333 180 SH SOLE 180 0 0