Tompkins Financial (TMP) 13F-HR Quarterly holdings report by institutional manager

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:	Oct 31, 2018
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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
3M Co	COM	88579Y101	285,566	2,089	SH		DFND		0	0	2,089
3M Co	COM	88579Y101	324,389	2,373	SH		SOLE		2,373	0	0
ADVANCED MICRO DEV	COM	007903107	13,947	85	SH		DFND		0	0	85
ADVANCED MICRO DEV	COM	007903107	28,714	175	SH		SOLE		175	0	0
AGILENT TECHS INC	COM	00846U101	93,542	630	SH		DFND		325	0	305
ALBEMARLE CORP	COM	012653101	271,534	2,867	SH		DFND		0	0	2,867
ALBEMARLE CORP	COM	012653101	16,574	175	SH		SOLE		175	0	0
ALCON AG	ORD SHS	H01301128	22,015	220	SH		SOLE		220	0	0
ALPHABET INC	CAP STK CL A	02079K305	298,530	1,800	SH		DFND		100	0	1,700
ALPHABET INC	CAP STK CL A	02079K305	12,414,868	74,856	SH		SOLE		73,698	0	1,158
ALTRIA GROUP INC	COM	02209S103	222,126	4,352	SH		DFND		0	0	4,352
ALTRIA GROUP INC	COM	02209S103	94,373	1,849	SH		SOLE		1,849	0	0
AMER EXPRESS CO	COM	025816109	352,560	1,300	SH		DFND		0	0	1,300
AMER EXPRESS CO	COM	025816109	324,898	1,198	SH		SOLE		1,198	0	0
AMER INTL GRP	COM NEW	026874784	14,280	195	SH		DFND		0	0	195
AMER INTL GRP	COM NEW	026874784	159,202	2,174	SH		SOLE		2,174	0	0
ANALOG DEVICES INC	COM	032654105	4,143	18	SH		SOLE		18	0	0
APA Corp	COM	03743Q108	51,415	2,102	SH		DFND		0	0	2,102
APPLIED MATERIALS	COM	038222105	10,103	50	SH		SOLE		50	0	0
ASML HOLDING NV	N Y REGISTRY SHS	N07059210	16,665	20	SH		SOLE		20	0	0
AT&T INC	COM	00206R102	646,910	29,405	SH		DFND		2,700	0	26,705
AT&T INC	COM	00206R102	182,996	8,318	SH		SOLE		8,318	0	0
AUTOMATIC DATA PROCESSING	COM	053015103	1,783,802	6,446	SH		DFND		161	0	6,285
AUTOMATIC DATA PROCESSING	COM	053015103	1,284,581	4,642	SH		SOLE		4,642	0	0
AUTOZONE INC	COM	053332102	340,204	108	SH		DFND		0	0	108
AbbVie Inc	COM	00287Y109	5,279,825	26,736	SH		DFND		0	0	26,736
AbbVie Inc	COM	00287Y109	1,389,272	7,035	SH		SOLE		7,035	0	0
Abbott Laboratories	COM	002824100	2,641,384	23,168	SH		DFND		150	0	23,018
Abbott Laboratories	COM	002824100	8,965,404	78,637	SH		SOLE		77,855	0	782
Accenture PLC	SHS CLASS A	G1151C101	41,004	116	SH		DFND		20	0	96
Accenture PLC	SHS CLASS A	G1151C101	6,382,788	18,057	SH		SOLE		17,684	0	373
Adobe Inc	COM	00724F101	211,772	409	SH		DFND		9	0	400
Adobe Inc	COM	00724F101	6,700,591	12,941	SH		SOLE		12,725	0	216
Aflac Inc	COM	001055102	37,229	333	SH		SOLE		333	0	0
Air Products and Chemicals Inc	COM	009158106	615,131	2,066	SH		DFND		0	0	2,066
Air Products and Chemicals Inc	COM	009158106	52,105	175	SH		SOLE		175	0	0
Alcoa Corp	COM	013872106	77,160	2,000	SH		DFND		0	0	2,000
Allstate Corp/The	COM	020002101	8,345	44	SH		DFND		0	0	44
Allstate Corp/The	COM	020002101	2,465	13	SH		SOLE		13	0	0
Alphabet Inc	CAP STK CL C	02079K107	502	3	SH		DFND		0	0	3
Alphabet Inc	CAP STK CL C	02079K107	715,573	4,280	SH		SOLE		4,280	0	0
Amazon.com Inc	COM	023135106	372,474	1,999	SH		DFND		200	0	1,799
Amazon.com Inc	COM	023135106	13,892,392	74,558	SH		SOLE		73,099	0	1,459
Amcor PLC	ORD	G0250X107	4,997	441	SH		SOLE		441	0	0
American Airlines Group Inc	COM	02376R102	8,823	785	SH		DFND		0	0	785
American Electric Power Co Inc	COM	025537101	111,424	1,086	SH		DFND		0	0	1,086
American Electric Power Co Inc	COM	025537101	19,084	186	SH		SOLE		186	0	0
American Software Inc/GA	CL A	029683109	13,428	1,200	SH		DFND		1,200	0	0
American Tower Corp	COM	03027X100	151,164	650	SH		DFND		650	0	0
American Tower Corp	COM	03027X100	3,023	13	SH		SOLE		13	0	0
American Water Works Co Inc	COM	030420103	117,284	802	SH		DFND		0	0	802
American Water Works Co Inc	COM	030420103	3,585,366	24,517	SH		SOLE		24,517	0	0
Ameriprise Financial Inc	COM	03076C106	74,700	159	SH		DFND		0	0	159
Amgen Inc	COM	031162100	29,321	91	SH		DFND		27	0	64
Amgen Inc	COM	031162100	10,413,827	32,320	SH		SOLE		31,900	0	420
Amphenol Corp	CL A	032095101	7,559	116	SH		SOLE		116	0	0
Annaly Capital Management Inc	COM NEW	035710839	10,035	500	SH		DFND		0	0	500
Apple Inc	COM	037833100	4,200,524	18,028	SH		DFND		5,258	0	12,770
Apple Inc	COM	037833100	45,196,408	193,976	SH		SOLE		191,158	0	2,818
Aptiv PLC	SHS	G6095L109	7,201	100	SH		DFND		100	0	0
ArcBest Corp	COM	03937C105	2,711	25	SH		DFND		0	0	25
Archer-Daniels-Midland Co	COM	039483102	22,343	374	SH		SOLE		374	0	0
Arthur J Gallagher & Co	COM	363576109	319,074	1,134	SH		DFND		43	0	1,091
Arthur J Gallagher & Co	COM	363576109	14,099,451	50,110	SH		SOLE		49,686	0	424
Ashland Inc	COM	044186104	299,351	3,442	SH		DFND		0	0	3,442
AstraZeneca PLC	SPONSORED ADR	046353108	194,775	2,500	SH		DFND		0	0	2,500
Atmos Energy Corp	COM	049560105	104,033	750	SH		DFND		0	0	750
Autoliv Inc	COM	052800109	560	6	SH		DFND		0	0	6
Azenta Inc	COM	114340102	29,064	600	SH		DFND		600	0	0
BAXTER INTL INC	COM	071813109	18,985	500	SH		DFND		400	0	100
BCE Inc	COM NEW	05534B760	13,920	400	SH		DFND		400	0	0
BCE Inc	COM NEW	05534B760	3,367,457	96,766	SH		SOLE		96,766	0	0
BECTON DICKINSON	COM	075887109	36,165	150	SH		SOLE		150	0	0
BEST BUY CO INC	COM	086516101	87,805	850	SH		DFND		0	0	850
BK OF AMERICA CORP	COM	060505104	250,460	6,312	SH		DFND		0	0	6,312
BK OF AMERICA CORP	COM	060505104	58,131	1,465	SH		SOLE		1,465	0	0
BK OF MONTREAL	COM	063671101	90,200	1,000	SH		DFND		0	0	1,000
BK OF NOVA SCOTIA	COM	064149107	70,837	1,300	SH		DFND		0	0	1,300
BK OF NY MELLON CP	COM	064058100	214,861	2,990	SH		DFND		0	0	2,990
BK OF NY MELLON CP	COM	064058100	16,097	224	SH		SOLE		224	0	0
BOEING CO	COM	097023105	74,196	488	SH		DFND		0	0	488
BOEING CO	COM	097023105	15,204	100	SH		SOLE		100	0	0
BP PLC	SPONSORED ADR	055622104	9,040	288	SH		DFND		0	0	288
BP PLC	SPONSORED ADR	055622104	37,668	1,200	SH		SOLE		1,200	0	0
BRIGHTHOUSE FINANCIAL INC.	COM	10922N103	675	15	SH		SOLE		15	0	0
BRISTOL-MYRS SQUIB	COM	110122108	73,988	1,430	SH		DFND		200	0	1,230
BRISTOL-MYRS SQUIB	COM	110122108	396,121	7,656	SH		SOLE		7,656	0	0
BRITISH AMERICAN TOBACCO PLC	SPONSORED ADR	110448107	3,658	100	SH		DFND		0	0	100
BRITISH AMERICAN TOBACCO PLC	SPONSORED ADR	110448107	18,034	493	SH		SOLE		493	0	0
BXP Inc	COM	101121101	4,023	50	SH		SOLE		50	0	0
Bar Harbor Bankshares	COM	066849100	50,886	1,650	SH		DFND		0	0	1,650
Beam Global	COM	07373B109	25	5	SH		DFND		0	0	5
Berkshire Hathaway Inc	CL B NEW	084670702	17,030	37	SH		DFND		30	0	7
Berkshire Hathaway Inc	CL B NEW	084670702	10,004,672	21,737	SH		SOLE		21,395	0	342
Beyond Meat Inc	COM	08862E109	576	85	SH		DFND		0	0	85
Biogen Inc	COM	09062X103	15,701	81	SH		SOLE		81	0	0
Black Hills Corp	COM	092113109	24,448	400	SH		DFND		400	0	0
BlackRock Fund Advisors	US EQT FACTOR	09290C103	30,869	624	SH		SOLE		624	0	0
BlackRock Fund Advisors	MSCI JAPN SMCETF	464286582	29,599	375	SH		DFND		0	0	375
BlackRock Fund Advisors	MSCI EAFE ETF	464287465	75,267	900	SH		DFND		0	0	900
BlackRock Fund Advisors	MSCI EAFE ETF	464287465	1,132,099	13,537	SH		SOLE		13,537	0	0
BlackRock Fund Advisors	S&P MC 400GR ETF	464287606	189,835	2,065	SH		DFND		0	0	2,065
BlackRock Fund Advisors	S&P MC 400GR ETF	464287606	256,760	2,793	SH		SOLE		2,793	0	0
BlackRock Fund Advisors	CORE S&P SCP ETF	464287804	270,645	2,314	SH		DFND		0	0	2,314
BlackRock Fund Advisors	CORE S&P SCP ETF	464287804	896,849	7,668	SH		SOLE		7,668	0	0
BlackRock Fund Advisors	SHRT NAT MUN ETF	464288158	2,264,608	21,326	SH		SOLE		21,326	0	0
BlackRock Fund Advisors	EAFE SML CP ETF	464288273	88,010	1,300	SH		DFND		0	0	1,300
BlackRock Fund Advisors	EAFE SML CP ETF	464288273	17,670	261	SH		SOLE		261	0	0
BlackRock Fund Advisors	MRGSTR SM CP GR	464288604	95,178	1,944	SH		DFND		0	0	1,944
BlackRock Fund Advisors	3 7 YR TREAS BD	464288661	18,778	157	SH		DFND		0	0	157
BlackRock Fund Advisors	EAFE GRWTH ETF	464288885	17,978	167	SH		SOLE		167	0	0
BlackRock Fund Advisors	INDIA 50 ETF	464289529	22,520	400	SH		DFND		0	0	400
BlackRock Fund Advisors	US TREAS BD ETF	46429B267	586	25	SH		DFND		0	0	25
BlackRock Fund Advisors	0-5 YR TIPS ETF	46429B747	13,273	131	SH		SOLE		131	0	0
BlackRock Fund Advisors	CORE MSCI EMKT	46434G103	306,856	5,345	SH		DFND		0	0	5,345
BlackRock Fund Advisors	CORE MSCI EMKT	46434G103	359,042	6,254	SH		SOLE		6,254	0	0
BlackRock Fund Advisors	MSCI SINGPOR ETF	46434G780	22,150	1,000	SH		DFND		0	0	1,000
BlackRock Fund Advisors	MSCI JPN ETF NEW	46434G822	28,616	400	SH		DFND		0	0	400
BlackRock Fund Advisors	ESG AWR MSCI EM	46434G863	4,478	123	SH		SOLE		123	0	0
BlackRock Fund Advisors	CORE MSCI INTL	46435G326	2,054	29	SH		DFND		0	0	29
BlackRock Funds/Closed-End/USA	COM	09255C106	152,077	13,627	SH		DFND		0	0	13,627
BlackRock Inc	COM	09247X101	218,387	230	SH		DFND		78	0	152
BlackRock Inc	COM	09247X101	10,550,955	11,112	SH		SOLE		11,064	0	48
Blackstone Inc	COM	09260D107	229,695	1,500	SH		SOLE		1,500	0	0
Block Inc	CL A	852234103	1,007	15	SH		DFND		0	0	15
Bloom Energy Corp	COM CL A	093712107	3,168	300	SH		DFND		300	0	0
Booking Holdings Inc	COM	09857L108	286,424	68	SH		SOLE		68	0	0
Broadcom Inc	COM	11135F101	146,625	850	SH		DFND		850	0	0
Broadcom Inc	COM	11135F101	51,750	300	SH		SOLE		300	0	0
Broadstone Net Lease Inc	COM	11135E203	2,201,819	116,191	SH		SOLE		116,191	0	0
CARRIER GLOBAL CORP	COM	14448C104	18,915	235	SH		DFND		0	0	235
CARRIER GLOBAL CORP	COM	14448C104	30,908	384	SH		SOLE		384	0	0
CDN NATL RAILWAYS	COM	136375102	23,430	200	SH		SOLE		200	0	0
CDW Corp/DE	COM	12514G108	113,150	500	SH		DFND		0	0	500
CHARLES SCHWAB INVESTMENT MANAGEMENT INC	EMRG MKTEQ ETF	808524706	13,248	454	SH		SOLE		454	0	0
CHARLES SCHWAB INVESTMENT MANAGEMENT INC	US DIVIDEND EQ	808524797	67,624	800	SH		DFND		0	0	800
CHARLES SCHWAB INVESTMENT MANAGEMENT INC	US DIVIDEND EQ	808524797	13,356	158	SH		SOLE		158	0	0
CHARLES SCHWAB INVESTMENT MANAGEMENT INC	US TIPS ETF	808524870	7,240	135	SH		DFND		0	0	135
CHUBB LIMITED COM	COM	H1467J104	54,506	189	SH		SOLE		189	0	0
CIBC	COM	136069101	122,680	2,000	SH		DFND		0	0	2,000
CIBC	COM	136069101	6,379	104	SH		SOLE		104	0	0
CISCO SYSTEMS	COM	17275R102	911,393	17,125	SH		DFND		3,286	0	13,839
CISCO SYSTEMS	COM	17275R102	12,088,976	227,151	SH		SOLE		225,016	0	2,135
CME Group Inc	COM	12572Q105	110,325	500	SH		DFND		0	0	500
CME Group Inc	COM	12572Q105	22,065	100	SH		SOLE		100	0	0
COGNIZANT TECHNOLO	CL A	192446102	10,033	130	SH		DFND		0	0	130
COGNIZANT TECHNOLO	CL A	192446102	207,537	2,689	SH		SOLE		2,689	0	0
COLGATE-PALMOLIVE	COM	194162103	487,907	4,700	SH		SOLE		4,700	0	0
CONAGRA FOODS INC	COM	205887102	78,048	2,400	SH		DFND		0	0	2,400
CONAGRA FOODS INC	COM	205887102	16,195	498	SH		SOLE		498	0	0
CONOCOPHILLIPS	COM	20825C104	164,026	1,558	SH		DFND		0	0	1,558
CONOCOPHILLIPS	COM	20825C104	203,296	1,931	SH		SOLE		1,931	0	0
CORNING INC	COM	219350105	614,762	13,616	SH		DFND		2,600	0	11,016
CORNING INC	COM	219350105	553,313	12,255	SH		SOLE		12,255	0	0
CRANE HOLDINGS CO	COM	224441105	5,049	90	SH		DFND		0	0	90
CVS Health Corp	COM	126650100	389,856	6,200	SH		DFND		0	0	6,200
CVS Health Corp	COM	126650100	40,117	638	SH		SOLE		638	0	0
Campbell Soup Co	COM	134429109	489	10	SH		DFND		0	0	10
Cantaloupe Inc	COM	138103106	6,697	905	SH		DFND		0	0	905
Capital One Financial Corp	COM	14040H105	136,404	911	SH		DFND		0	0	911
CarMax Inc	COM	143130102	77,380	1,000	SH		DFND		0	0	1,000
Cardinal Health Inc	COM	14149Y108	13,262	120	SH		SOLE		120	0	0
Carpenter Technology Corp	COM	144285103	1,284,300	8,048	SH		SOLE		8,048	0	0
Casella Waste Systems Inc	CL A	147448104	2,654,095	26,677	SH		SOLE		26,677	0	0
Caterpillar Inc	COM	149123101	607,800	1,554	SH		DFND		304	0	1,250
Caterpillar Inc	COM	149123101	181,871	465	SH		SOLE		465	0	0
Cenovus Energy Inc	COM	15135U109	24,627	1,472	SH		DFND		0	0	1,472
ChargePoint Holdings Inc	COM CL A	15961R105	151	110	SH		DFND		0	0	110
Charles Schwab Corp/The	COM	808513105	243,232	3,753	SH		SOLE		3,753	0	0
Charles Schwab Investment Management Inc	US BRD MKT ETF	808524102	864,627	12,998	SH		DFND		0	0	12,998
Charles Schwab Investment Management Inc	US LRG CAP ETF	808524201	5,360	79	SH		SOLE		79	0	0
Charles Schwab Investment Management Inc	US SML CAP ETF	808524607	1,339	26	SH		SOLE		26	0	0
Charles Schwab Investment Management Inc	INTL EQTY ETF	808524805	1,892	46	SH		SOLE		46	0	0
Charles Schwab Investment Management Inc	US AGGREGATE B	808524839	1,140	24	SH		SOLE		24	0	0
Chemed Corp	COM	16359R103	186,301	310	SH		SOLE		310	0	0
Chemours Co/The	COM	163851108	4,958	244	SH		DFND		0	0	244
Chemours Co/The	COM	163851108	406	20	SH		SOLE		20	0	0
Chevron Corp	COM	166764100	685,100	4,652	SH		DFND		0	0	4,652
Chevron Corp	COM	166764100	2,335,408	15,858	SH		SOLE		15,858	0	0
Chewy Inc	CL A	16679L109	305,758	10,439	SH		DFND		0	0	10,439
Chipotle Mexican Grill Inc	COM	169656105	8,643	150	SH		SOLE		150	0	0
Church & Dwight Co Inc	COM	171340102	191,219	1,826	SH		SOLE		1,826	0	0
Churchill Downs Inc	COM	171484108	1,352	10	SH		DFND		0	0	10
Cigna Group/The	COM	125523100	25,290	73	SH		DFND		0	0	73
Citigroup Inc	COM NEW	172967424	20,470	327	SH		DFND		0	0	327
Clorox Co/The	COM	189054109	702,631	4,313	SH		DFND		174	0	4,139
Clorox Co/The	COM	189054109	23,296	143	SH		SOLE		143	0	0
Coca-Cola Co/The	COM	191216100	1,182,887	16,461	SH		DFND		0	0	16,461
Coca-Cola Co/The	COM	191216100	890,992	12,399	SH		SOLE		12,399	0	0
Comcast Corp	CL A	20030N101	145,861	3,492	SH		DFND		0	0	3,492
Comcast Corp	CL A	20030N101	86,297	2,066	SH		SOLE		2,066	0	0
Conduent Inc	COM	206787103	81	20	SH		SOLE		20	0	0
Consolidated Edison Inc	COM	209115104	133,599	1,283	SH		DFND		0	0	1,283
Constellation Brands Inc	CL A	21036P108	963,761	3,740	SH		SOLE		3,740	0	0
Constellation Energy Corp	COM	21037T109	48,364	186	SH		DFND		0	0	186
Constellation Energy Corp	COM	21037T109	21,062	81	SH		SOLE		81	0	0
Constellium SE	CL A SHS	F21107101	3,252	200	SH		DFND		0	0	200
Corteva Inc	COM	22052L104	1,235	21	SH		DFND		0	0	21
Corteva Inc	COM	22052L104	15,756	268	SH		SOLE		268	0	0
Costco Wholesale Corp	COM	22160K105	867,017	978	SH		DFND		454	0	524
Costco Wholesale Corp	COM	22160K105	11,968,020	13,500	SH		SOLE		13,140	0	360
Cracker Barrel Old Country Sto	COM	22410J106	4,444	98	SH		SOLE		98	0	0
Crane Co	COMMON STOCK	224408104	14,245	90	SH		DFND		0	0	90
Crown Castle Inc	COM	22822V101	246,276	2,076	SH		DFND		0	0	2,076
DEERE & CO	COM	244199105	816,297	1,956	SH		DFND		0	0	1,956
DIAGEO	SPON ADR NEW	25243Q205	73,538	524	SH		SOLE		524	0	0
DOMINION RES(VIR)	COM	25746U109	145,631	2,520	SH		DFND		300	0	2,220
DOMINION RES(VIR)	COM	25746U109	74,549	1,290	SH		SOLE		1,290	0	0
DUKE ENERGY CORP	COM NEW	26441C204	315,230	2,734	SH		DFND		72	0	2,662
DUKE ENERGY CORP	COM NEW	26441C204	9,488,844	82,297	SH		SOLE		81,833	0	464
Dana Inc	COM	235825205	1,056	100	SH		DFND		100	0	0
Danaher Corp	COM	235851102	31,694	114	SH		DFND		22	0	92
Danaher Corp	COM	235851102	9,474,644	34,079	SH		SOLE		33,708	0	371
Darden Restaurants Inc	COM	237194105	17,070	104	SH		DFND		0	0	104
Darden Restaurants Inc	COM	237194105	33,483	204	SH		SOLE		204	0	0
Dell Technologies Inc	CL C	24703L202	9,365	79	SH		SOLE		79	0	0
Delta Air Lines Inc	COM NEW	247361702	70,039	1,379	SH		DFND		0	0	1,379
Dick's Sporting Goods Inc	COM	253393102	292,180	1,400	SH		DFND		0	0	1,400
Dimensional Fund Advisors LP	INTL SMALL CAP E	25434V773	456	17	SH		DFND		0	0	17
Dollar General Corp	COM	256677105	126,855	1,500	SH		DFND		0	0	1,500
Douglas Dynamics Inc	COM	25960R105	55,160	2,000	SH		DFND		0	0	2,000
Dover Corp	COM	260003108	14,381	75	SH		SOLE		75	0	0
Dow Inc	COM	260557103	128,162	2,346	SH		DFND		0	0	2,346
Dow Inc	COM	260557103	18,683	342	SH		SOLE		342	0	0
DuPont de Nemours Inc	COM	26614N102	8,555	96	SH		DFND		0	0	96
DuPont de Nemours Inc	COM	26614N102	3,743	42	SH		SOLE		42	0	0
ECOLAB INC	COM	278865100	254,564	997	SH		SOLE		997	0	0
EMERSON ELECTRIC	COM	291011104	737,919	6,747	SH		DFND		1,700	0	5,047
EMERSON ELECTRIC	COM	291011104	1,087,138	9,940	SH		SOLE		9,940	0	0
ENBRIDGE INC	COM	29250N105	10,559	260	SH		SOLE		260	0	0
EOG Resources Inc	COM	26875P101	138,296	1,125	SH		DFND		0	0	1,125
EOG Resources Inc	COM	26875P101	17,087	139	SH		SOLE		139	0	0
EXCHANGE TRADED CONCEPTS LLC	ROBO GLB ETF	301505707	571	10	SH		DFND		0	0	10
EXELON CORP	COM	30161N101	135,761	3,348	SH		DFND		0	0	3,348
EXELON CORP	COM	30161N101	30,575	754	SH		SOLE		754	0	0
Eaton Corp PLC	SHS	G29183103	1,004,595	3,031	SH		DFND		0	0	3,031
Elevance Health Inc	COM	036752103	30,680	59	SH		SOLE		59	0	0
Eli Lilly & Co	COM	532457108	1,463,573	1,652	SH		DFND		30	0	1,622
Eli Lilly & Co	COM	532457108	25,984,620	29,330	SH		SOLE		29,070	0	260
Energy Transfer LP	COM UT LTD PTN	29273V100	200,625	12,500	SH		DFND		0	0	12,500
Entergy Corp	COM	29364G103	157,932	1,200	SH		DFND		0	0	1,200
Entergy Corp	COM	29364G103	7,107	54	SH		SOLE		54	0	0
Essential Utilities Inc	COM	29670G102	11,571	300	SH		DFND		200	0	100
Essential Utilities Inc	COM	29670G102	53,419	1,385	SH		SOLE		1,385	0	0
Etsy Inc	COM	29786A106	27,765	500	SH		DFND		0	0	500
Eversource Energy	COM	30040W108	5,104	75	SH		DFND		0	0	75
Extra Space Storage Inc	COM	30225T102	117,124	650	SH		DFND		0	0	650
Exxon Mobil Corp	COM	30231G102	2,115,469	18,047	SH		DFND		2,440	0	15,607
Exxon Mobil Corp	COM	30231G102	16,218,090	138,356	SH		SOLE		137,985	0	371
FEDEX CORP	COM	31428X106	137,661	503	SH		DFND		0	0	503
FEDEX CORP	COM	31428X106	114,672	419	SH		SOLE		419	0	0
FIRST TRUST ADVISORS LP	DJ INTERNT IDX	33733E302	21,183	100	SH		DFND		0	0	100
FISERV INC	COM	337738108	70,243	391	SH		DFND		0	0	391
FISERV INC	COM	337738108	6,288	35	SH		SOLE		35	0	0
FMC Corp	COM NEW	302491303	1,121	17	SH		SOLE		17	0	0
FORD MOTOR CO	COM	345370860	66,718	6,318	SH		DFND		800	0	5,518
FORD MOTOR CO	COM	345370860	76,740	7,267	SH		SOLE		7,267	0	0
FRANCO-NEVADA CORP	COM	351858105	8,076	65	SH		DFND		0	0	65
FREEPORT-MCMOR C&G	CL B	35671D857	29,503	591	SH		SOLE		591	0	0
FTI Consulting Inc	COM	302941109	22,756	100	SH		DFND		0	0	100
Fastenal Co	COM	311900104	142,840	2,000	SH		DFND		0	0	2,000
Fidelity Management & Research Co LLC	ENHANCED LARGE	316092113	31,256	974	SH		SOLE		974	0	0
Fidelity National Information	COM	31620M106	83,750	1,000	SH		DFND		0	0	1,000
Financial Institutions Inc	COM	317585404	76,919	3,020	SH		SOLE		3,020	0	0
First Financial Bancorp	COM	320209109	28,031	1,111	SH		SOLE		1,111	0	0
First Trust Advisors LP	NAT GAS ETF	33733E807	231,800	9,760	SH		DFND		0	0	9,760
FirstEnergy Corp	COM	337932107	6,653	150	SH		DFND		0	0	150
FirstEnergy Corp	COM	337932107	2,883	65	SH		SOLE		65	0	0
Flowserve Corp	COM	34354P105	31,014	600	SH		DFND		600	0	0
Fortrea Holdings Inc	COMMON STOCK	34965K107	20,000	1,000	SH		DFND		0	0	1,000
Four Corners Property Trust In	COM	35086T109	2,931	100	SH		DFND		0	0	100
Franklin Resources Inc	COM	354613101	40,300	2,000	SH		DFND		0	0	2,000
Fulton Financial Corp	COM	360271100	82,528	4,552	SH		SOLE		4,552	0	0
GARRETT MOTION INC	COM	366505105	25	3	SH		SOLE		3	0	0
GE HealthCare Technologies Inc	COMMON STOCK	36266G107	110,180	1,174	SH		DFND		200	0	974
GE HealthCare Technologies Inc	COMMON STOCK	36266G107	29,657	316	SH		SOLE		316	0	0
GE Vernova Inc	COM	36828A101	175,936	690	SH		DFND		0	0	690
GE Vernova Inc	COM	36828A101	65,020	255	SH		SOLE		255	0	0
GEN DYNAMICS CORP	COM	369550108	14,203	47	SH		DFND		42	0	5
GEN DYNAMICS CORP	COM	369550108	7,864,453	26,024	SH		SOLE		25,905	0	119
GENERAL MILLS INC	COM	370334104	226,055	3,061	SH		DFND		0	0	3,061
GENERAL MILLS INC	COM	370334104	119,637	1,620	SH		SOLE		1,620	0	0
GOLDMAN SACHS GRP	COM	38141G104	247,555	500	SH		DFND		0	0	500
GOLDMAN SACHS GRP	COM	38141G104	321,822	650	SH		SOLE		650	0	0
GORMAN-RUPP CO/THE	COM	383082104	46,740	1,200	SH		DFND		1,200	0	0
GSK PLC	SPONSORED ADR	37733W204	4,088	100	SH		DFND		100	0	0
GSK PLC	SPONSORED ADR	37733W204	42,515	1,040	SH		SOLE		1,040	0	0
Generac Holdings Inc	COM	368736104	3,972	25	SH		DFND		25	0	0
General Electric Co	COM NEW	369604301	529,155	2,806	SH		DFND		0	0	2,806
General Electric Co	COM NEW	369604301	214,038	1,135	SH		SOLE		1,135	0	0
General Motors Co	COM	37045V100	94,164	2,100	SH		DFND		0	0	2,100
Genuine Parts Co	COM	372460105	40,228	288	SH		DFND		288	0	0
Genuine Parts Co	COM	372460105	11,174	80	SH		SOLE		80	0	0
Gilead Sciences Inc	COM	375558103	167,177	1,994	SH		SOLE		1,994	0	0
Global X Management Co LLC	SOCIAL MED ETF	37950E416	30,310	700	SH		DFND		0	0	700
Global X Management Co LLC	GBL X BLOCKCHAIN	37960A735	14,100	300	SH		DFND		0	0	300
Goldman Sachs ETF Trust	ACTIVEBETA INT	381430107	8,717	241	SH		DFND		0	0	241
Goldman Sachs ETF Trust	ACTIVEBETA INT	381430107	83,408	2,306	SH		SOLE		2,306	0	0
Goldman Sachs ETF Trust	ACTIVEBETA US LG	381430503	202,501	1,793	SH		SOLE		1,793	0	0
Grayscale Investments LLC/USA	SHS REP COM UT	389637109	57,621	1,141	SH		DFND		0	0	1,141
HALLIBURTON	COM	406216101	9,528	328	SH		DFND		100	0	228
HANESBRANDS INC	COM	410345102	5,366	730	SH		DFND		0	0	730
HERSHEY CO (THE)	COM	427866108	158,602	827	SH		DFND		0	0	827
HERSHEY CO (THE)	COM	427866108	419,806	2,189	SH		SOLE		2,189	0	0
HP Inc	COM	40434L105	21,343	595	SH		DFND		0	0	595
Haleon PLC	SPON ADS	405552100	13,754	1,300	SH		SOLE		1,300	0	0
Hartford Financial Services Gr	COM	416515104	358,475	3,048	SH		DFND		0	0	3,048
Hartford Funds Management Co LLC	TOTAL RTRN ETF	41653L305	100,021	2,861	SH		SOLE		2,861	0	0
Healthpeak Properties Inc	COM	42250P103	114,350	5,000	SH		DFND		0	0	5,000
Helmerich & Payne Inc	COM	423452101	5,445	179	SH		DFND		0	0	179
Hess Midstream LP	CL A SHS	428103105	70,540	2,000	SH		DFND		0	0	2,000
Hewlett Packard Enterprise Co	COM	42824C109	11,826	578	SH		DFND		0	0	578
Home Depot Inc/The	COM	437076102	827,418	2,042	SH		DFND		53	0	1,989
Home Depot Inc/The	COM	437076102	13,040,552	32,183	SH		SOLE		31,946	0	237
Honeywell International Inc	COM	438516106	360,502	1,744	SH		DFND		243	0	1,501
Honeywell International Inc	COM	438516106	10,146,774	49,087	SH		SOLE		48,617	0	470
Howmet Aerospace Inc	COM	443201108	360,900	3,600	SH		DFND		0	0	3,600
Huntington Bancshares Inc/OH	COM	446150104	7,409	504	SH		SOLE		504	0	0
Huntington Ingalls Industries	COM	446413106	132,190	500	SH		DFND		0	0	500
IDACORP Inc	COM	451107106	5,155	50	SH		DFND		50	0	0
ILLINOIS TOOL WKS	COM	452308109	448,664	1,712	SH		DFND		262	0	1,450
ILLINOIS TOOL WKS	COM	452308109	72,331	276	SH		SOLE		276	0	0
INTERCONTINENTAL EXCHANGE	COM	45866F104	10,763	67	SH		DFND		52	0	15
INTERCONTINENTAL EXCHANGE	COM	45866F104	5,264,655	32,773	SH		SOLE		32,143	0	630
INTL BUSINESS MCHN	COM	459200101	1,204,444	5,448	SH		DFND		300	0	5,148
INTL BUSINESS MCHN	COM	459200101	764,495	3,458	SH		SOLE		3,458	0	0
ISHARES	S&P 100 ETF	464287101	348,164	1,258	SH		SOLE		1,258	0	0
ISHARES	SELECT DIVID ETF	464287168	822,306	6,088	SH		DFND		0	0	6,088
ISHARES	SELECT DIVID ETF	464287168	652,388	4,830	SH		SOLE		4,830	0	0
ISHARES	CORE S&P500 ETF	464287200	1,599,522	2,773	SH		DFND		0	0	2,773
ISHARES	CORE S&P500 ETF	464287200	360,513	625	SH		SOLE		625	0	0
ISHARES	IBOXX INV CP ETF	464287242	2,076,120	18,376	SH		SOLE		18,148	0	228
ISHARES	GBL COMM SVC ETF	464287275	37,652	400	SH		DFND		0	0	400
ISHARES	S&P 500 GRWT ETF	464287309	906,561	9,468	SH		SOLE		9,468	0	0
ISHARES	GLOB HLTHCRE ETF	464287325	284,664	2,900	SH		DFND		0	0	2,900
ISHARES	GLOBAL ENERG ETF	464287341	194,304	4,800	SH		DFND		0	0	4,800
ISHARES	S&P 500 VAL ETF	464287408	142,554	723	SH		SOLE		723	0	0
ISHARES	ISHARES BIOTECH	464287556	109,200	750	SH		DFND		0	0	750
ISHARES	RUS 2000 VAL ETF	464287630	29,194	175	SH		SOLE		175	0	0
ISHARES	RUSSELL 2000 ETF	464287655	652,067	2,952	SH		DFND		0	0	2,952
ISHARES	RUSSELL 2000 ETF	464287655	224,203	1,015	SH		SOLE		1,015	0	0
ISHARES	U.S. TECH ETF	464287721	13,949	92	SH		SOLE		92	0	0
ISHARES	SP SMCP600VL ETF	464287879	1,202,132	11,166	SH		SOLE		11,166	0	0
ISHARES	SHORT TREAS BD	464288679	99,567	900	SH		DFND		0	0	900
ISHARES	EAFE VALUE ETF	464288877	460	8	SH		DFND		0	0	8
ISHARES	EAFE VALUE ETF	464288877	36,244	630	SH		SOLE		630	0	0
ISHARES	ISHARES	46428Q109	71,025	2,500	SH		DFND		0	0	2,500
ISHARES	ISHARES	46428Q109	125,913	4,432	SH		SOLE		4,432	0	0
ISHARES	CORE MSCI EAFE	46432F842	673,572	8,630	SH		DFND		1,222	0	7,408
ISHARES	CORE MSCI EAFE	46432F842	278,951	3,574	SH		SOLE		3,574	0	0
ISHARES GOLD TRUST	ISHARES NEW	464285204	52,086	1,048	SH		SOLE		1,048	0	0
ISHARES TR	MSCI EAFE MIN VL	46429B689	840,479	10,958	SH		SOLE		10,958	0	0
ISHARES TRUST	TIPS BD ETF	464287176	14,140	128	SH		DFND		0	0	128
ISHARES TRUST	GLOBAL TECH ETF	464287291	371,385	4,500	SH		DFND		0	0	4,500
ISHARES TRUST	1 3 YR TREAS BD	464287457	411,676	4,951	SH		DFND		251	0	4,700
ISHARES TRUST	1 3 YR TREAS BD	464287457	6,420,677	77,218	SH		SOLE		76,363	0	855
ISHARES TRUST	GL TIMB FORE ETF	464288174	43,085	500	SH		DFND		0	0	500
ISHARES TRUST	IBOXX HI YD ETF	464288513	2,489	31	SH		SOLE		31	0	0
ISHARES TRUST	CORE HIGH DV ETF	46429B663	52,929	450	SH		SOLE		450	0	0
ISHARES/USA	RUS 1000 GRW ETF	464287614	225,228	600	SH		DFND		0	0	600
ISHARES/USA	NATIONAL MUN ETF	464288414	733,253	6,750	SH		DFND		0	0	6,750
ITRON INC	COM	465741106	37,384	350	SH		DFND		300	0	50
ITT Inc	COM	45073V108	1,495	10	SH		DFND		0	0	10
Intel Corp	COM	458140100	180,619	7,699	SH		DFND		749	0	6,950
Intel Corp	COM	458140100	254,729	10,858	SH		SOLE		10,858	0	0
International Paper Co	COM	460146103	97,700	2,000	SH		DFND		0	0	2,000
International Paper Co	COM	460146103	63,505	1,300	SH		SOLE		1,300	0	0
Interpublic Group of Cos Inc/T	COM	460690100	56,618	1,790	SH		DFND		0	0	1,790
Intuit Inc	COM	461202103	14,904	24	SH		SOLE		24	0	0
Intuitive Surgical Inc	COM NEW	46120E602	16,703	34	SH		DFND		25	0	9
Intuitive Surgical Inc	COM NEW	46120E602	8,233,194	16,759	SH		SOLE		16,517	0	242
Invesco Capital Management LLC	INDIA ETF	46137R109	73,704	2,400	SH		DFND		0	0	2,400
Invesco Capital Management LLC	WILDERHIL CLAN	46137V134	4,006	200	SH		DFND		0	0	200
Invesco Capital Management LLC	S&P500 EQL HLT	46137V332	32,230	1,000	SH		DFND		0	0	1,000
Invesco Capital Management LLC	NASDAQ INTERNT	46137V530	21,725	500	SH		DFND		0	0	500
Invesco Capital Management LLC	AI AND NEXT GEN	46137V639	13,650	300	SH		DFND		0	0	300
Invesco Capital Management LLC	S&P GBL WATER	46138E263	122,400	2,000	SH		DFND		0	0	2,000
Invesco Capital Management LLC	S&P SMALLCAP 600	46138G664	4,114	90	SH		DFND		0	0	90
Invesco Capital Management LLC	S&P SMALLCAP 600	46138G664	41,550	909	SH		SOLE		909	0	0
Invesco ETFs/USA	UNIT SER 1	46090E103	1,326,086	2,717	SH		DFND		0	0	2,717
Invesco ETFs/USA	UNIT SER 1	46090E103	276,248	566	SH		SOLE		566	0	0
Invesco ETFs/USA	S&P500 EQL ENR	46137V365	91,968	1,200	SH		DFND		0	0	1,200
Invesco ETFs/USA	PHARMACEUTICALS	46137V662	52,182	600	SH		DFND		0	0	600
Invesco ETFs/USA	S&P500 LOW VOL	46138E354	1,356,629	18,913	SH		SOLE		18,913	0	0
Invesco ETFs/USA	PFD ETF	46138E511	21,773	1,763	SH		DFND		0	0	1,763
Invesco ETFs/USA	PFD ETF	46138E511	14,808	1,199	SH		SOLE		1,199	0	0
Invesco ETFs/USA	S&P 500 REVENUE	46138G698	71,591	730	SH		DFND		70	0	660
Invesco ETFs/USA	S&P 500 REVENUE	46138G698	4,087,460	41,679	SH		SOLE		41,097	0	582
JAZZ PHARMA PLC	SHS USD	G50871105	5,571	50	SH		DFND		50	0	0
JPMorgan Chase & Co	COM	46625H100	805,063	3,818	SH		DFND		1,641	0	2,177
JPMorgan Chase & Co	COM	46625H100	15,372,116	72,902	SH		SOLE		72,253	0	649
Johnson & Johnson	COM	478160104	2,104,187	12,984	SH		DFND		328	0	12,656
Johnson & Johnson	COM	478160104	3,113,659	19,213	SH		SOLE		19,213	0	0
Johnson Controls International	SHS	G51502105	16,609	214	SH		DFND		0	0	214
Johnson Controls International	SHS	G51502105	2,794	36	SH		SOLE		36	0	0
KIMBERLY-CLARK CP	COM	494368103	341,614	2,401	SH		DFND		0	0	2,401
KIMBERLY-CLARK CP	COM	494368103	7,462,301	52,448	SH		SOLE		52,059	0	389
KIMCO REALTY	COM	49446R109	20,898	900	SH		DFND		0	0	900
KNIFE RIV HOL CO.	COMMON STOCK	498894104	46,930	525	SH		DFND		525	0	0
Kellanova	COM	487836108	3,874	48	SH		DFND		0	0	48
Kellanova	COM	487836108	104,923	1,300	SH		SOLE		1,300	0	0
Kenvue Inc	COM	49177J102	925	40	SH		DFND		0	0	40
Kenvue Inc	COM	49177J102	5,343	231	SH		SOLE		231	0	0
Kinder Morgan Inc	COM	49456B101	44,180	2,000	SH		DFND		0	0	2,000
Kingdom of Norway Ministry of	SPONSORED ADR	29446M102	22,797	900	SH		DFND		900	0	0
Kraft Heinz Co/The	COM	500754106	27,737	790	SH		DFND		0	0	790
Krane Funds Advisors LLC	QUADRTC INT RT	500767736	21,753	1,130	SH		DFND		0	0	1,130
Kronos I UK Ltd	SPONSORED ADS	042068205	8,581	60	SH		SOLE		60	0	0
Kyndryl Holdings Inc	COMMON STOCK	50155Q100	15,190	661	SH		DFND		0	0	661
L3Harris Technologies Inc	COM	502431109	102,284	430	SH		DFND		0	0	430
L3Harris Technologies Inc	COM	502431109	66,841	281	SH		SOLE		281	0	0
LEAP THERAPEUTICS INC	COM NEW	52187K200	308	120	SH		DFND		120	0	0
LOWE'S COS INC	COM	548661107	255,412	943	SH		DFND		248	0	695
LOWE'S COS INC	COM	548661107	861,032	3,179	SH		SOLE		3,179	0	0
LULULEMON ATHLETIC	COM	550021109	37,989	140	SH		DFND		0	0	140
Labcorp Holdings Inc	COM SHS	504922105	223,480	1,000	SH		DFND		0	0	1,000
Lamb Weston Holdings Inc	COM	513272104	17,221	266	SH		DFND		0	0	266
Linde PLC	SHS	G54950103	136,382	286	SH		DFND		0	0	286
Linde PLC	SHS	G54950103	55,316	116	SH		SOLE		116	0	0
Lindsay Corp	COM	535555106	74,784	600	SH		DFND		600	0	0
Lockheed Martin Corp	COM	539830109	26,890	46	SH		DFND		0	0	46
Lockheed Martin Corp	COM	539830109	63,132	108	SH		SOLE		108	0	0
Loews Corp	COM	126117100	29,364	600	SH		DFND		0	0	600
Lumentum Holdings Inc	COM	55024U109	6,338	100	SH		DFND		0	0	100
LyondellBasell Industries NV	SHS - A -	N53745100	9,015	94	SH		SOLE		94	0	0
M&T Bank Corp	COM	55261F104	92,266	518	SH		DFND		0	0	518
M&T Bank Corp	COM	55261F104	190,232	1,068	SH		SOLE		1,068	0	0
MARATHON OIL CORP	COM	565849106	52,568	1,974	SH		DFND		0	0	1,974
MARSH & MCLENNAN	COM	571748102	111,991	502	SH		SOLE		502	0	0
MASTERCARD INC	CL A	57636Q104	119,993	243	SH		DFND		112	0	131
MASTERCARD INC	CL A	57636Q104	11,048,281	22,374	SH		SOLE		21,984	0	390
MATTEL INC	COM	577081102	1,905	100	SH		DFND		0	0	100
MCDONALD'S CORP	COM	580135101	2,236,626	7,345	SH		DFND		526	0	6,819
MCDONALD'S CORP	COM	580135101	12,191,362	40,036	SH		SOLE		39,724	0	312
MDU RES GROUP INC	COM	552690109	74,007	2,700	SH		DFND		2,700	0	0
MDU RES GROUP INC	COM	552690109	46,707	1,704	SH		SOLE		1,704	0	0
METLIFE INC	COM	59156R108	123,720	1,500	SH		DFND		0	0	1,500
METLIFE INC	COM	59156R108	33,322	404	SH		SOLE		404	0	0
MICROSOFT CORP	COM	594918104	9,626,672	22,372	SH		DFND		1,132	0	21,240
MICROSOFT CORP	COM	594918104	37,882,751	88,038	SH		SOLE		86,839	0	1,199
MOLSON COORS BREWING CO	CL B	60871R209	115,040	2,000	SH		DFND		0	0	2,000
MORGAN STANLEY	COM NEW	617446448	104,240	1,000	SH		DFND		0	0	1,000
MORGAN STANLEY	COM NEW	617446448	3,127	30	SH		SOLE		30	0	0
MSC Industrial Direct Co Inc	CL A	553530106	137,696	1,600	SH		DFND		0	0	1,600
Marathon Petroleum Corp	COM	56585A102	264,566	1,624	SH		DFND		0	0	1,624
Marathon Petroleum Corp	COM	56585A102	8,308	51	SH		SOLE		51	0	0
Marriott International Inc/MD	CL A	571903202	243,379	979	SH		SOLE		979	0	0
Masco Corp	COM	574599106	251,820	3,000	SH		DFND		0	0	3,000
Medtronic PLC	SHS	G5960L103	110,377	1,226	SH		DFND		0	0	1,226
Medtronic PLC	SHS	G5960L103	11,254	125	SH		SOLE		125	0	0
Merck & Co Inc	COM	58933Y105	572,797	5,044	SH		DFND		726	0	4,318
Merck & Co Inc	COM	58933Y105	10,620,472	93,523	SH		SOLE		92,801	0	722
Meta Platforms Inc	CL A	30303M102	37,781	66	SH		DFND		36	0	30
Meta Platforms Inc	CL A	30303M102	277,633	485	SH		SOLE		485	0	0
Microchip Technology Inc	COM	595017104	263,351	3,280	SH		DFND		0	0	3,280
Microchip Technology Inc	COM	595017104	270,256	3,366	SH		SOLE		3,366	0	0
Micron Technology Inc	COM	595112103	4,667	45	SH		DFND		0	0	45
Moderna Inc	COM	60770K107	14,034	210	SH		DFND		100	0	110
Moderna Inc	COM	60770K107	1,136	17	SH		SOLE		17	0	0
Mondelez International Inc	CL A	609207105	140,636	1,909	SH		DFND		0	0	1,909
Mondelez International Inc	CL A	609207105	132,606	1,800	SH		SOLE		1,800	0	0
NBT Bancorp Inc	COM	628778102	1,447,559	32,728	SH		DFND		0	0	32,728
NBT Bancorp Inc	COM	628778102	444,335	10,046	SH		SOLE		10,046	0	0
NET Lease Office Properties	COM	64110Y108	551	18	SH		SOLE		18	0	0
NETFLIX INC	COM	64110L106	7,093	10	SH		SOLE		10	0	0
NEXTERA ENERGY	COM	65339F101	180,387	2,134	SH		DFND		0	0	2,134
NEXTERA ENERGY	COM	65339F101	645,978	7,642	SH		SOLE		7,642	0	0
NIKE INC	CL B	654106103	113,152	1,280	SH		DFND		0	0	1,280
NIKE INC	CL B	654106103	342,727	3,877	SH		SOLE		3,877	0	0
NORTHERN TRUST CORP	COM	665859104	90,030	1,000	SH		DFND		0	0	1,000
NVIDIA Corp	COM	67066G104	525,107	4,324	SH		DFND		0	0	4,324
NVIDIA Corp	COM	67066G104	31,714,663	261,155	SH		SOLE		243,615	0	17,540
National Amusements Inc	CLASS B COM	92556H206	276	26	SH		DFND		0	0	26
National Fuel Gas Co	COM	636180101	312,929	5,163	SH		SOLE		5,163	0	0
National Grid PLC	SPONSORED ADR NE	636274409	9,127	131	SH		SOLE		131	0	0
New Jersey Resources Corp	COM	646025106	14,160	300	SH		DFND		300	0	0
New York Times Co/The	CL A	650111107	12,526	225	SH		SOLE		225	0	0
Nokia Oyj	SPONSORED ADR	654902204	874	200	SH		SOLE		200	0	0
Norfolk Southern Corp	COM	655844108	109,340	440	SH		DFND		0	0	440
Norfolk Southern Corp	COM	655844108	95,673	385	SH		SOLE		385	0	0
Novartis AG	SPONSORED ADR	66987V109	208,186	1,810	SH		DFND		1,250	0	560
Novartis AG	SPONSORED ADR	66987V109	126,522	1,100	SH		SOLE		1,100	0	0
Novocure Ltd	ORD SHS	G6674U108	1,563	100	SH		DFND		0	0	100
Nucor Corp	COM	670346105	7,517	50	SH		DFND		0	0	50
Nuveen Closed-End Funds/USA	COM	67066X107	99,673	8,454	SH		SOLE		8,454	0	0
OCCIDENTAL PETROLEUM CORP	*W EXP 08/03/202	674599162	6,960	234	SH		DFND		0	0	234
OCCIDENTAL PETROLEUM CORP	*W EXP 08/03/202	674599162	357	12	SH		SOLE		12	0	0
OGE Energy Corp	COM	670837103	28,714	700	SH		DFND		600	0	100
OMNICOM GROUP INC	COM	681919106	151,880	1,469	SH		DFND		0	0	1,469
OMNICOM GROUP INC	COM	681919106	5,997	58	SH		SOLE		58	0	0
ORACLE CORP	COM	68389X105	294,962	1,731	SH		DFND		765	0	966
ORACLE CORP	COM	68389X105	1,433,746	8,414	SH		SOLE		8,414	0	0
Occidental Petroleum Corp	COM	674599105	76,073	1,476	SH		DFND		0	0	1,476
OceanFirst Financial Corp	COM	675234108	22,308	1,200	SH		DFND		1,200	0	0
Old Second Bancorp Inc	COM	680277100	17,851	1,145	SH		SOLE		1,145	0	0
Organon & Co	COMMON STOCK	68622V106	45,663	2,387	SH		DFND		0	0	2,387
Otis Worldwide Corp	COM	68902V107	12,161	117	SH		DFND		0	0	117
Otis Worldwide Corp	COM	68902V107	10,394	100	SH		SOLE		100	0	0
Ovintiv Inc	COM	69047Q102	11,263	294	SH		DFND		0	0	294
Owens & Minor Inc	COM	690732102	785	50	SH		DFND		0	0	50
PAN AMER SILVER	COM	697900108	9,016	432	SH		SOLE		432	0	0
PEPSICO INC	COM	713448108	888,681	5,226	SH		DFND		1,139	0	4,087
PEPSICO INC	COM	713448108	9,645,236	56,720	SH		SOLE		56,340	0	380
PG&E CORP	COM	69331C108	5,931	300	SH		DFND		0	0	300
PHILIP MORRIS INTL	COM	718172109	552,370	4,550	SH		DFND		0	0	4,550
PHILIP MORRIS INTL	COM	718172109	270,479	2,228	SH		SOLE		2,228	0	0
PNC Financial Services Group I	COM	693475105	468,410	2,534	SH		DFND		0	0	2,534
PNC Financial Services Group I	COM	693475105	8,873	48	SH		SOLE		48	0	0
PPG Industries Inc	COM	693506107	202,399	1,528	SH		DFND		0	0	1,528
PPG Industries Inc	COM	693506107	19,869	150	SH		SOLE		150	0	0
PPL CORP	COM	69351T106	11,280	341	SH		SOLE		341	0	0
PROSHARE ADVISORS LLC	S&P 500 DV ARIST	74348A467	2,135	20	SH		DFND		0	0	20
PROSHARE ADVISORS LLC	S&P 500 DV ARIST	74348A467	9,075	85	SH		SOLE		85	0	0
PRUDENTIAL FINL	COM	744320102	8,840	73	SH		DFND		0	0	73
PRUDENTIAL FINL	COM	744320102	35,603	294	SH		SOLE		294	0	0
Palantir Technologies Inc	CL A	69608A108	18,600	500	SH		SOLE		500	0	0
PayPal Holdings Inc	COM	70450Y103	32,070	411	SH		DFND		363	0	48
PayPal Holdings Inc	COM	70450Y103	13,577	174	SH		SOLE		174	0	0
Paychex Inc	COM	704326107	205,042	1,528	SH		DFND		0	0	1,528
Paychex Inc	COM	704326107	1,476,761	11,005	SH		SOLE		11,005	0	0
Paylocity Holding Corp	COM	70438V106	82,485	500	SH		DFND		0	0	500
Pfizer Inc	COM	717081103	839,984	29,025	SH		DFND		3,300	0	25,725
Pfizer Inc	COM	717081103	331,595	11,458	SH		SOLE		11,458	0	0
Phillips 66	COM	718546104	163,524	1,244	SH		DFND		0	0	1,244
Phillips 66	COM	718546104	18,534	141	SH		SOLE		141	0	0
Plug Power Inc	COM NEW	72919P202	271	120	SH		DFND		0	0	120
Portland General Electric Co	COM NEW	736508847	28,740	600	SH		DFND		600	0	0
Procter & Gamble Co/The	COM	742718109	6,440,442	37,185	SH		DFND		0	0	37,185
Procter & Gamble Co/The	COM	742718109	2,258,182	13,038	SH		SOLE		13,038	0	0
Prologis Inc	COM	74340W103	3,031	24	SH		SOLE		24	0	0
Public Service Enterprise Grou	COM	744573106	89,032	998	SH		DFND		0	0	998
Public Service Enterprise Grou	COM	744573106	11,270,256	126,334	SH		SOLE		125,452	0	882
Public Storage	COM	74460D109	30,929	85	SH		DFND		81	0	4
Public Storage	COM	74460D109	8,895,894	24,448	SH		SOLE		24,250	0	198
QUALCOMM Inc	COM	747525103	450,633	2,650	SH		DFND		0	0	2,650
Quest Diagnostics Inc	COM	74834L100	8,228	53	SH		SOLE		53	0	0
REALTY INCOME CORP	COM	756109104	110,985	1,750	SH		DFND		0	0	1,750
REALTY INCOME CORP	COM	756109104	7,674	121	SH		SOLE		121	0	0
RESTAURANT BRANDS INTERNATIONA	COM	76131D103	72,120	1,000	SH		DFND		0	0	1,000
RMR Group Inc/The	CL A	74967R106	1,244	49	SH		DFND		0	0	49
ROCKWELL AUTOMATION	COM	773903109	138,525	516	SH		DFND		0	0	516
ROCKWELL AUTOMATION	COM	773903109	6,712	25	SH		SOLE		25	0	0
RTX Corp	COM	75513E101	571,148	4,714	SH		DFND		0	0	4,714
RTX Corp	COM	75513E101	27,867	230	SH		SOLE		230	0	0
Ralph Lauren Corp	CL A	751212101	157,035	810	SH		DFND		0	0	810
Regency Centers Corp	COM	758849103	76,564	1,060	SH		DFND		0	0	1,060
Resideo Technologies Inc	COM	76118Y104	121	6	SH		SOLE		6	0	0
Rio Tinto PLC	SPONSORED ADR	767204100	170,808	2,400	SH		DFND		0	0	2,400
Rivian Automotive Inc	COM CL A	76954A103	168	15	SH		DFND		0	0	15
Roundhill Financial Inc	ROUNDHILL SPORTS	53656F789	7,580	400	SH		DFND		0	0	400
Royal Bank of Canada	COM	780087102	299,352	2,400	SH		DFND		0	0	2,400
S&P Global Inc	COM	78409V104	144,654	280	SH		SOLE		280	0	0
SANDSTORM GOLD LTD	COM NEW	80013R206	7,200	1,200	SH		DFND		0	0	1,200
SELECT SECTOR SPDR	SBI HEALTHCARE	81369Y209	22,949	149	SH		SOLE		149	0	0
SELECT SECTOR SPDR	SBI CONS STPLS	81369Y308	124,500	1,500	SH		SOLE		1,500	0	0
SELECT SECTOR SPDR	SBI CONS DISCR	81369Y407	58,308	291	SH		SOLE		291	0	0
SELECT SECTOR SPDR	ENERGY	81369Y506	105,360	1,200	SH		DFND		0	0	1,200
SELECT SECTOR SPDR	FINANCIAL	81369Y605	55,834	1,232	SH		SOLE		1,232	0	0
SELECT SECTOR SPDR	TECHNOLOGY	81369Y803	3,625,706	16,060	SH		DFND		0	0	16,060
SMUCKER(JM)CO	COM NEW	832696405	28,459	235	SH		DFND		0	0	235
SNAP INC	CL A	83304A106	107	10	SH		DFND		0	0	10
SPDR DOW JONES IND	UT SER 1	78467X109	1,398,412	3,305	SH		DFND		0	0	3,305
SPDR GOLD TRUST	GOLD SHS	78463V107	243,060	1,000	SH		SOLE		1,000	0	0
SPDR SERIES TRUST	BBG CONV SEC ETF	78464A359	100,180	1,308	SH		SOLE		1,308	0	0
SPDR SERIES TRUST	DJ REIT ETF	78464A607	21,346	200	SH		DFND		0	0	200
SPDR SERIES TRUST	S&P REGL BKG	78464A698	101,880	1,800	SH		SOLE		1,800	0	0
SPROTT ASSET MANAGEMENT LP/CAN	UNIT	85207H104	876,340	43,000	SH		DFND		0	0	43,000
SPROTT ASSET MANAGEMENT LP/CAN	UNIT	85207H104	14,266	700	SH		SOLE		700	0	0
SSGA FUNDS MANAGEMENT INC	NYSE TECH ETF	78464A102	98,763	500	SH		DFND		0	0	500
SSGA FUNDS MANAGEMENT INC	PRTFLO S&P500 GW	78464A409	912	11	SH		SOLE		11	0	0
SSGA FUNDS MANAGEMENT INC	PRTFLO S&P500 VL	78464A508	687	13	SH		DFND		0	0	13
SSGA FUNDS MANAGEMENT INC	PRTFLO S&P500 VL	78464A508	899	17	SH		SOLE		17	0	0
SSGA FUNDS MANAGEMENT INC	PORTFOLIO S&P400	78464A847	32,261	590	SH		SOLE		590	0	0
SSGA FUNDS MANAGEMENT INC	BLOOMBERG SHT TE	78468R408	52,813	2,051	SH		SOLE		2,051	0	0
SSGA FUNDS MANAGEMENT INC	PORTFLI HIGH YLD	78468R606	53,199	2,212	SH		SOLE		2,212	0	0
SSGA Funds Management Inc	S&P DIVID ETF	78464A763	97,297	685	SH		DFND		0	0	685
SSGA Funds Management Inc	S&P DIVID ETF	78464A763	235,076	1,655	SH		SOLE		1,655	0	0
SSgA Funds Management Inc	S&P 400 MDCP VAL	78464A839	397	5	SH		DFND		0	0	5
SSgA Funds Management Inc	S&P BIOTECH	78464A870	49,400	500	SH		DFND		0	0	500
SSgA Funds Management Inc	BLOOMBERG HIGH Y	78468R622	1,467	15	SH		SOLE		15	0	0
SSgA Funds Management Inc	BLOOMBERG 1-3 MO	78468R663	4,407	48	SH		DFND		48	0	0
SSgA Funds Management Inc	BLOOMBERG 1-3 MO	78468R663	17,412,317	189,656	SH		SOLE		186,809	0	2,847
SSgA Funds Management Inc	COMMUNICATION	81369Y852	316,400	3,500	SH		DFND		0	0	3,500
STARBUCKS CORP	COM	855244109	7,019	72	SH		DFND		0	0	72
STARBUCKS CORP	COM	855244109	94,858	973	SH		SOLE		973	0	0
STATE STREET ETF/USA	UTSER1 S&PDCRP	78467Y107	1,084,633	1,904	SH		DFND		0	0	1,904
STMicroelectronics NV	NY REGISTRY	861012102	59,460	2,000	SH		DFND		0	0	2,000
SUNPOWER CORP	COM	867652406	0	50	SH		DFND		0	0	50
Salesforce Inc	COM	79466L302	156,288	571	SH		DFND		21	0	550
Sanofi SA	SPONSORED ADR	80105N105	10,258	178	SH		SOLE		178	0	0
Sarepta Therapeutics Inc	COM	803607100	20,232	162	SH		SOLE		162	0	0
Schlumberger NV	COM STK	806857108	243,310	5,800	SH		DFND		2,200	0	3,600
Schwab ETFs/USA	US REIT ETF	808524847	25,626	1,106	SH		SOLE		1,106	0	0
Selective Insurance Group Inc	COM	816300107	117,185	1,256	SH		SOLE		1,256	0	0
Shake Shack Inc	CL A	819047101	5,161	50	SH		DFND		0	0	50
Shell PLC	SPON ADS	780259305	213,019	3,230	SH		DFND		0	0	3,230
Sherwin-Williams Co/The	COM	824348106	3,435	9	SH		SOLE		9	0	0
Skyworks Solutions Inc	COM	83088M102	9,877	100	SH		DFND		0	0	100
Snap-on Inc	COM	833034101	131,818	455	SH		DFND		0	0	455
Snowflake Inc	CL A	833445109	11,486	100	SH		DFND		100	0	0
Solventum Corp	COM SHS	83444M101	50,338	722	SH		DFND		0	0	722
Sony Group Corp	SPONSORED ADR	835699307	4,829	50	SH		DFND		0	0	50
Southern Co/The	COM	842587107	50,050	555	SH		DFND		0	0	555
Southern Co/The	COM	842587107	179,458	1,990	SH		SOLE		1,990	0	0
Sprott Asset Management CEFs	TR UNIT	85207K107	654,180	62,601	SH		DFND		0	0	62,601
Sprott Asset Management CEFs	TR UNIT	85208R101	710,210	29,000	SH		DFND		0	0	29,000
Stanley Black & Decker Inc	COM	854502101	131,055	1,190	SH		DFND		0	0	1,190
State Street Corp	COM	857477103	46,889	530	SH		DFND		200	0	330
State Street Corp	COM	857477103	13,271	150	SH		SOLE		150	0	0
State Street ETF/USA	TR UNIT	78462F103	3,082,239	5,372	SH		DFND		650	0	4,722
State Street ETF/USA	TR UNIT	78462F103	1,931,276	3,366	SH		SOLE		3,366	0	0
State Street ETF/USA	S&P INTL SMLCP	78463X871	47,782	1,400	SH		DFND		0	0	1,400
State Street ETF/USA	S&P 600 SMCP GRW	78464A201	18,622	200	SH		DFND		0	0	200
State Street ETF/USA	S&P RETAIL ETF	78464A714	46,614	600	SH		DFND		0	0	600
State Street ETF/USA	PRTFLO S&P500 HI	78468R788	123,255	2,700	SH		SOLE		2,700	0	0
State Street ETF/USA	INDL	81369Y704	53,092	392	SH		SOLE		392	0	0
State Street Global Advisors Inc	S&P SEMICNDCTR	78464A862	24,025	100	SH		DFND		0	0	100
Stryker Corp	COM	863667101	304,181	842	SH		DFND		524	0	318
Stryker Corp	COM	863667101	5,802,197	16,061	SH		SOLE		15,625	0	436
Summit Materials Inc	CL A	86614U100	39,654	1,016	SH		DFND		1,016	0	0
Super Micro Computer Inc	COM	86800U104	15,407	37	SH		DFND		0	0	37
Synopsys Inc	COM	871607107	3,855,147	7,613	SH		SOLE		7,444	0	169
Sysco Corp	COM	871829107	702,540	9,000	SH		DFND		300	0	8,700
Sysco Corp	COM	871829107	19,515	250	SH		SOLE		250	0	0
TC Energy Corp	COM	87807B107	8,321	175	SH		SOLE		175	0	0
TE Connectivity Ltd	SHS	H84989104	9,210	61	SH		SOLE		61	0	0
TEXAS INSTRUMENTS	COM	882508104	444,126	2,150	SH		DFND		0	0	2,150
TEXAS INSTRUMENTS	COM	882508104	216,485	1,048	SH		SOLE		1,048	0	0
TIDEWATER INC	*W EXP 11/14/202	88642R174	1	2	SH		DFND		0	0	2
TJX Cos Inc/The	COM	872540109	204,285	1,738	SH		DFND		90	0	1,648
TJX Cos Inc/The	COM	872540109	11,196,155	95,254	SH		SOLE		93,645	0	1,609
TORONTO-DOMINION	COM NEW	891160509	75,912	1,200	SH		DFND		0	0	1,200
TRAVELERS CO INC	COM	89417E109	70,236	300	SH		DFND		0	0	300
TRAVELERS CO INC	COM	89417E109	107,461	459	SH		SOLE		459	0	0
TSMC	SPONSORED ADS	874039100	225,771	1,300	SH		DFND		1,300	0	0
TSMC	SPONSORED ADS	874039100	8,684	50	SH		SOLE		50	0	0
Target Corp	COM	87612E106	299,251	1,920	SH		DFND		0	0	1,920
Target Corp	COM	87612E106	289,744	1,859	SH		SOLE		1,859	0	0
Tesla Inc	COM	88160R101	299,828	1,146	SH		DFND		0	0	1,146
Tesla Inc	COM	88160R101	68,285	261	SH		SOLE		261	0	0
Thermo Fisher Scientific Inc	COM	883556102	617,333	998	SH		DFND		498	0	500
Thermo Fisher Scientific Inc	COM	883556102	351,966	569	SH		SOLE		569	0	0
Tompkins Financial Corp	COM	890110109	40,306,445	697,464	SH		DFND		0	0	697,464
Tompkins Financial Corp	COM	890110109	26,265,035	454,491	SH		SOLE		0	0	454,491
TotalEnergies SE	SPONSORED ADS	89151E109	7,884	122	SH		SOLE		122	0	0
Truist Financial Corp	COM	89832Q109	128,524	3,005	SH		DFND		0	0	3,005
Truist Financial Corp	COM	89832Q109	7,100	166	SH		SOLE		166	0	0
Tyson Foods Inc	CL A	902494103	17,451	293	SH		SOLE		293	0	0
UGI Corp	COM	902681105	63,150	2,524	SH		SOLE		2,524	0	0
US Bancorp	COM NEW	902973304	8,231	180	SH		SOLE		180	0	0
UTD PARCEL SERV	CL B	911312106	106,345	780	SH		DFND		310	0	470
UTD PARCEL SERV	CL B	911312106	107,027	785	SH		SOLE		785	0	0
Unilever PLC	SPON ADR NEW	904767704	6,496	100	SH		SOLE		100	0	0
Union Pacific Corp	COM	907818108	174,508	708	SH		DFND		0	0	708
Union Pacific Corp	COM	907818108	180,177	731	SH		SOLE		731	0	0
UnitedHealth Group Inc	COM	91324P102	584,680	1,000	SH		DFND		0	0	1,000
UnitedHealth Group Inc	COM	91324P102	425,062	727	SH		SOLE		727	0	0
Universal Insurance Holdings I	COM	91359V107	241,478	10,897	SH		SOLE		10,897	0	0
V2X Inc	COM	92242T101	56	1	SH		DFND		0	0	1
VANECK VECTORS ETF	MRNGSTR WDE MOAT	92189F643	214,550	2,213	SH		DFND		2,213	0	0
VANECK VECTORS ETF	MRNGSTR WDE MOAT	92189F643	32,886,506	339,211	SH		SOLE		338,848	0	363
VANECK VECTORS ETF	AGRIBUSINESS ETF	92189F700	75,510	1,000	SH		DFND		0	0	1,000
VANECK VECTORS ETF	VANECK VIETNAM	92189F817	15,336	1,200	SH		DFND		1,200	0	0
VANGUARD	S&P 500 ETF SHS	922908363	761,428	1,443	SH		DFND		0	0	1,443
VANGUARD	S&P 500 ETF SHS	922908363	18,401,964	34,874	SH		SOLE		34,583	0	291
VANGUARD ETF/USA	DIV APP ETF	921908844	79,224	400	SH		DFND		0	0	400
VANGUARD ETF/USA	DIV APP ETF	921908844	33,274	168	SH		SOLE		168	0	0
VANGUARD ETF/USA	STRM INFPROIDX	922020805	22,288	452	SH		DFND		0	0	452
VANGUARD ETF/USA	GLB EX US ETF	922042676	28,146	600	SH		DFND		0	0	600
VANGUARD ETF/USA	FTSE EMR MKT ETF	922042858	23,925	500	SH		DFND		500	0	0
VANGUARD ETF/USA	FTSE EMR MKT ETF	922042858	29,380	614	SH		SOLE		614	0	0
VANGUARD ETF/USA	INF TECH ETF	92204A702	126,102	215	SH		DFND		0	0	215
VANGUARD ETF/USA	INF TECH ETF	92204A702	38,124	65	SH		SOLE		65	0	0
VANGUARD ETF/USA	VNG RUS1000GRW	92206C680	52,314	542	SH		SOLE		542	0	0
VANGUARD ETF/USA	INT-TERM CORP	92206C870	6,868	82	SH		DFND		0	0	82
VANGUARD ETF/USA	INT-TERM CORP	92206C870	251	3	SH		SOLE		3	0	0
VANGUARD ETF/USA	SM CP VAL ETF	922908611	12,448	62	SH		SOLE		62	0	0
VANGUARD ETF/USA	TOTAL STK MKT	922908769	1,900,287	6,711	SH		DFND		0	0	6,711
VANGUARD ETF/USA	TOTAL STK MKT	922908769	73,622	260	SH		SOLE		260	0	0
VANGUARD INTL EQUI	FTSE EUROPE ETF	922042874	233,066	3,278	SH		SOLE		3,278	0	0
VANGUARD WHITEHALL	HIGH DIV YLD	921946406	833,941	6,505	SH		SOLE		6,505	0	0
VERIZON COMMUN	COM	92343V104	463,381	10,318	SH		DFND		0	0	10,318
VERIZON COMMUN	COM	92343V104	907,721	20,212	SH		SOLE		20,212	0	0
VF Corp	COM	918204108	858	43	SH		SOLE		43	0	0
VIATRIS INC	COM	92556V106	15,534	1,338	SH		DFND		0	0	1,338
VIATRIS INC	COM	92556V106	1,567	135	SH		SOLE		135	0	0
VISA INC	COM CL A	92826C839	9,623	35	SH		DFND		0	0	35
VISA INC	COM CL A	92826C839	45,092	164	SH		SOLE		164	0	0
Valero Energy Corp	COM	91913Y100	2,025	15	SH		SOLE		15	0	0
Valvoline Inc	COM	92047W101	395,231	9,444	SH		DFND		0	0	9,444
Van Eck Associates Corp	FALLEN ANGEL HG	92189F437	45,733	1,555	SH		DFND		0	0	1,555
Van Eck Associates Corp	RARE EARTH AND S	92189H805	49,210	1,067	SH		DFND		1	0	1,066
Van Eck Associates Corp	DIGI TRANSFRM	92189H821	3,528	300	SH		DFND		0	0	300
Vanguard ETF/USA	500 GRTH IDX F	921932505	2,254,053	6,528	SH		SOLE		6,528	0	0
Vanguard ETF/USA	TOTAL BND MRKT	921937835	16,199,499	215,677	SH		SOLE		213,724	0	1,953
Vanguard ETF/USA	VAN FTSE DEV MKT	921943858	166,668	3,156	SH		DFND		0	0	3,156
Vanguard ETF/USA	VAN FTSE DEV MKT	921943858	22,316,291	422,577	SH		SOLE		421,713	0	864
Vanguard ETF/USA	ENERGY ETF	92204A306	97,976	800	SH		DFND		0	0	800
Vanguard ETF/USA	HEALTH CAR ETF	92204A504	56,440	200	SH		DFND		0	0	200
Vanguard ETF/USA	HEALTH CAR ETF	92204A504	151,259	536	SH		SOLE		536	0	0
Vanguard ETF/USA	UTILITIES ETF	92204A876	87,025	500	SH		DFND		0	0	500
Vanguard ETF/USA	REAL ESTATE ETF	922908553	60,888	625	SH		DFND		0	0	625
Vanguard ETF/USA	REAL ESTATE ETF	922908553	439,267	4,509	SH		SOLE		3,489	0	1,020
Vanguard ETF/USA	SML CP GRW ETF	922908595	37,164	139	SH		SOLE		139	0	0
Vanguard ETF/USA	MID CAP ETF	922908629	26,383	100	SH		DFND		0	0	100
Vanguard ETF/USA	MID CAP ETF	922908629	116,877	443	SH		SOLE		443	0	0
Vanguard ETF/USA	GROWTH ETF	922908736	44,152	115	SH		SOLE		115	0	0
Vanguard ETF/USA	VALUE ETF	922908744	12,394	71	SH		SOLE		71	0	0
Vanguard ETF/USA	SMALL CP ETF	922908751	143,512	605	SH		DFND		0	0	605
Vanguard ETF/USA	SMALL CP ETF	922908751	3,518,773	14,834	SH		SOLE		14,790	0	44
Ventas Inc	COM	92276F100	128,260	2,000	SH		DFND		0	0	2,000
Veralto Corp	COM SHS	92338C103	3,356	30	SH		DFND		0	0	30
Veralto Corp	COM SHS	92338C103	43,737	391	SH		SOLE		391	0	0
Viavi Solutions Inc	COM	925550105	6,314	700	SH		DFND		700	0	0
Vodafone Group PLC	SPONSORED ADR	92857W308	15,030	1,500	SH		SOLE		1,500	0	0
Vontier Corp	COM	928881101	13,496	400	SH		DFND		400	0	0
Vulcan Materials Co	COM	929160109	62,608	250	SH		DFND		250	0	0
WASTE MANAGEMENT	COM	94106L109	286,696	1,381	SH		DFND		41	0	1,340
WASTE MANAGEMENT	COM	94106L109	12,401,194	59,736	SH		SOLE		59,171	0	565
WATSCO INC	COM	942622200	491,880	1,000	SH		DFND		0	0	1,000
WEC Energy Group Inc	COM	92939U106	192,360	2,000	SH		DFND		0	0	2,000
WEC Energy Group Inc	COM	92939U106	3,270	34	SH		SOLE		34	0	0
WELLS FARGO & CO	COM	949746101	76,262	1,350	SH		DFND		0	0	1,350
WELLS FARGO & CO	COM	949746101	139,530	2,470	SH		SOLE		2,470	0	0
WESTERN UNION COMP	COM	959802109	59,650	5,000	SH		DFND		0	0	5,000
WESTN DIGITAL CORP	COM	958102105	13,658	200	SH		DFND		0	0	200
WISDOMTREE ASSET MANAGEMENT INC	US SMALLCAP DIVD	97717W604	41,388	1,200	SH		SOLE		1,200	0	0
WISDOMTREE ETFS/USA	US TOTAL DIVIDND	97717W109	92,474	1,206	SH		SOLE		1,206	0	0
WISDOMTREE ETFS/USA	US HIGH DIVIDEND	97717W208	37,051	395	SH		DFND		0	0	395
WK Kellogg Co	COM SHS	92942W107	205	12	SH		DFND		0	0	12
WK Kellogg Co	COM SHS	92942W107	5,561	325	SH		SOLE		325	0	0
WORLD GOLD TRUST SERVICES LLC	SPDR GLD MINIS	98149E303	521	10	SH		DFND		0	0	10
WP Carey Inc	COM	92936U109	231,756	3,720	SH		SOLE		3,720	0	0
WW Grainger Inc	COM	384802104	254,508	245	SH		SOLE		245	0	0
Walgreens Boots Alliance Inc	COM	931427108	90	10	SH		DFND		0	0	10
Walmart Inc	COM	931142103	1,502,031	18,601	SH		DFND		1,188	0	17,413
Walmart Inc	COM	931142103	21,366,127	264,596	SH		SOLE		262,062	0	2,534
Walt Disney Co/The	COM	254687106	136,109	1,415	SH		DFND		250	0	1,165
Walt Disney Co/The	COM	254687106	232,395	2,416	SH		SOLE		2,416	0	0
Warner Bros Discovery Inc	COM SER A	934423104	24,659	2,989	SH		DFND		0	0	2,989
Warner Bros Discovery Inc	COM SER A	934423104	4,257	516	SH		SOLE		516	0	0
Webster Financial Corp	COM	947890109	1,177,462	25,262	SH		DFND		100	0	25,162
Webster Financial Corp	COM	947890109	4,113,146	88,246	SH		SOLE		88,246	0	0
Westinghouse Air Brake Technol	COM	929740108	17,450	96	SH		DFND		0	0	96
Westinghouse Air Brake Technol	COM	929740108	182	1	SH		SOLE		1	0	0
Wheaton Precious Metals Corp	COM	962879102	15,087	247	SH		DFND		0	0	247
Whirlpool Corp	COM	963320106	40,981	383	SH		DFND		0	0	383
Williams Cos Inc/The	COM	969457100	6,802	149	SH		SOLE		149	0	0
Willis Towers Watson PLC	SHS	G96629103	2,651	9	SH		SOLE		9	0	0
WisdomTree Asset Management Inc	EM EX ST-OWNED	97717X578	9,876	299	SH		DFND		0	0	299
WisdomTree Asset Management Inc	EM EX ST-OWNED	97717X578	170,071	5,149	SH		SOLE		5,149	0	0
WisdomTree Asset Management Inc	US QTLY DIV GRT	97717X669	41,605	500	SH		DFND		0	0	500
WisdomTree Asset Management Inc	EUROPE HEDGED EQ	97717X701	70,044	1,560	SH		DFND		0	0	1,560
WisdomTree ETFs/USA	ITL HDG QTLY DIV	97717X594	71,109	1,556	SH		DFND		0	0	1,556
Xcel Energy Inc	COM	98389B100	18,088	277	SH		SOLE		277	0	0
Xerox Holdings Corp	COM NEW	98421M106	260	25	SH		SOLE		25	0	0
Xylem Inc/NY	COM	98419M100	56,713	420	SH		DFND		0	0	420
Xylem Inc/NY	COM	98419M100	15,258	113	SH		SOLE		113	0	0
YUM BRANDS INC	COM	988498101	209,565	1,500	SH		DFND		0	0	1,500
ZIMMER HLDGS INC	COM	98956P102	68,009	630	SH		DFND		200	0	430
Zimvie Inc	COM	98888T107	48	3	SH		DFND		0	0	3
Zoom Video Communications Inc	CL A	98980L101	697	10	SH		SOLE		10	0	0
iShares ETFs/USA	CORE S&P TTL STK	464287150	638,150	5,080	SH		DFND		0	0	5,080
iShares ETFs/USA	CORE US AGGBD ET	464287226	425,739	4,204	SH		DFND		0	0	4,204
iShares ETFs/USA	CORE US AGGBD ET	464287226	20,659	204	SH		SOLE		204	0	0
iShares ETFs/USA	NORTH AMERN NAT	464287374	176,280	4,000	SH		DFND		0	0	4,000
iShares ETFs/USA	RUS MD CP GR ETF	464287481	46,916	400	SH		DFND		0	0	400
iShares ETFs/USA	RUS MD CP GR ETF	464287481	120,457	1,027	SH		SOLE		1,027	0	0
iShares ETFs/USA	RUS MID CAP ETF	464287499	606,668	6,883	SH		SOLE		6,883	0	0
iShares ETFs/USA	CORE S&P MCP ETF	464287507	1,767,956	28,369	SH		DFND		550	0	27,819
iShares ETFs/USA	CORE S&P MCP ETF	464287507	18,646,456	299,205	SH		SOLE		294,201	0	5,004
iShares ETFs/USA	US DIGITAL INFRA	464287531	15,770	200	SH		DFND		0	0	200
iShares ETFs/USA	RUS 1000 ETF	464287622	31,439	100	SH		DFND		0	0	100
iShares ETFs/USA	RUS 1000 ETF	464287622	91,487	291	SH		SOLE		291	0	0
iShares ETFs/USA	RUS 2000 GRW ETF	464287648	918,456	3,234	SH		DFND		125	0	3,109
iShares ETFs/USA	RUS 2000 GRW ETF	464287648	1,979,196	6,969	SH		SOLE		6,094	0	875
iShares ETFs/USA	CORE S&P US VLU	464287663	466,278	4,883	SH		SOLE		4,883	0	0
iShares ETFs/USA	RUSSELL 3000 ETF	464287689	32,673	100	SH		DFND		0	0	100
iShares ETFs/USA	RUSSELL 3000 ETF	464287689	166,632	510	SH		SOLE		510	0	0
iShares ETFs/USA	S&P MC 400VL ETF	464287705	10,879	88	SH		SOLE		88	0	0
iShares ETFs/USA	DOW JONES US ETF	464287846	41,877	300	SH		SOLE		300	0	0
iShares ETFs/USA	GLOB UTILITS ETF	464288711	17,686	250	SH		DFND		0	0	250
iShares ETFs/USA	MSCI USA ESG SLC	464288802	12,173,981	101,138	SH		SOLE		100,575	0	563
iShares ETFs/USA	RUS TP200 GR ETF	464289438	22,005	100	SH		DFND		0	0	100
iShares ETFs/USA	RUS TOP 200 ETF	464289446	870,728	6,200	SH		DFND		5,359	0	841
iShares ETFs/USA	RUS TOP 200 ETF	464289446	141,097,681	1,004,683	SH		SOLE		1,003,544	0	1,139
iShares ETFs/USA	MSCI USA MIN VOL	46429B697	46,112	505	SH		DFND		54	0	451
iShares ETFs/USA	MSCI USA MIN VOL	46429B697	4,843,265	53,042	SH		SOLE		52,503	0	539
iShares ETFs/USA	MSCI USA QLT FCT	46432F339	32,274	180	SH		SOLE		180	0	0
iShares ETFs/USA	MSCI USA VALUE	46432F388	13,957	128	SH		SOLE		128	0	0
iShares/USA	MSCI SWITZERLAND	464286749	114,620	2,200	SH		DFND		0	0	2,200