Adirondack Trust 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
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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
ATLASSIAN CORPORATION PLC - CLASS A	FOREIGN EQUITIES	G06242104	18	100	SH		SOLE		100	0	0
ACCENTURE PLC	INFORMATION TECHNOLOGY	G1151C101	715	3,179	SH		SOLE		3,179	0	0
EATON CORP PLC	INDUSTRIALS	G29183103	14	150	SH		SOLE		150	0	0
NORWEGIAN CRUISE LINE HOLDINGS LTD	CONSUMER DISCRETIONARY	G66721104	1	100	SH		SOLE		100	0	0
NOVOCURE LIMITED	HEALTHCARE	G6674U108	8	100	SH		SOLE		100	0	0
WIX.COM LTD	INFORMATION TECHNOLOGY	M98068105	15	53	SH		SOLE		53	0	0
ASML HOLDING N V N Y REGISTRY SHS	FOREIGN EQUITIES	N07059210	11	30	SH		SOLE		30	0	0
AFLAC INC.	FINANCIALS	001055102	9	250	SH		DFND		0	250	0
AT&T INC.	COMMUNICATION SERVICES	00206R102	1,324	44,762	SH		SOLE		41,264	3,438	60
AT&T INC.	COMMUNICATION SERVICES	00206R102	206	6,982	SH		DFND		4,910	2,072	0
ABBOTT LABS	HEALTHCARE	002824100	550	5,462	SH		SOLE		5,062	400	0
ABBOTT LABS	HEALTHCARE	002824100	222	2,205	SH		DFND		1,000	1,205	0
ABBVIE INC.	HEALTHCARE	00287Y109	1,045	11,012	SH		SOLE		10,517	495	0
ABBVIE INC.	HEALTHCARE	00287Y109	234	2,465	SH		DFND		1,250	1,215	0
ABIOMED INC	HEALTHCARE	003654100	3	10	SH		SOLE		10	0	0
ACTIVISION BLIZZARD, INC.	INFORMATION TECHNOLOGY	00507V109	118	1,430	SH		SOLE		1,430	0	0
ADOBE INC	INFORMATION TECHNOLOGY	00724F101	191	429	SH		SOLE		429	0	0
ADVANCED MICRO DEVICES INC	INFORMATION TECHNOLOGY	007903107	23	300	SH		SOLE		300	0	0
ADVANCED MICRO DEVICES INC	INFORMATION TECHNOLOGY	007903107	8	100	SH		DFND		0	0	100
INVESCO INTERNATIONAL GROWTH FUND	MUTUAL FUND	008882532	2	71	SH		SOLE		71	0	0
ALCOA CORP	MATERIALS	013872106	0	5	SH		SOLE		5	0	0
ALIGN TECHNOLOGY INC.	HEALTHCARE	016255101	3	10	SH		SOLE		10	0	0
ALLEGHENY TECHNOLOGIES, INC	INDUSTRIALS	01741R102	0	20	SH		SOLE		20	0	0
ALLSTATE CORP	FINANCIALS	020002101	104	1,100	SH		SOLE		800	300	0
ALTRIA GROUP, INC.	CONSUMER STAPLES	02209S103	118	2,863	SH		SOLE		2,863	0	0
AMAZON. COM, INC	CONSUMER DISCRETIONARY	023135106	5,320	1,681	SH		SOLE		1,671	10	0
AMAZON. COM, INC	CONSUMER DISCRETIONARY	023135106	32	10	SH		DFND		10	0	0
AMERICAN ELEC PWR INC	UTILITIES	025537101	5	52	SH		SOLE		52	0	0
AMERICAN EXPRESS	FINANCIALS	025816109	175	1,880	SH		SOLE		1,843	0	37
AMERICAN EXPRESS	FINANCIALS	025816109	28	300	SH		DFND		0	300	0
AMERICAN INTERNATIONAL GROUP INC	FINANCIALS	026874784	5	159	SH		SOLE		159	0	0
AMERICAN TOWER CORPORATION	COMMUNICATION SERVICES	03027X100	653	2,499	SH		SOLE		2,499	0	0
AMERICAN WATER WORKS INC.	CONSUMER DISCRETIONARY	030420103	3	20	SH		SOLE		20	0	0
AMGEN INCORPORATED	HEALTHCARE	031162100	279	1,142	SH		SOLE		1,142	0	0
AMGEN INCORPORATED	HEALTHCARE	031162100	29	120	SH		DFND		120	0	0
APPIAN CORPORATION	INFORMATION TECHNOLOGY	03782L101	10	200	SH		SOLE		200	0	0
APPLE INC	INFORMATION TECHNOLOGY	037833100	8,056	18,953	SH		SOLE		18,583	350	20
APPLE INC	INFORMATION TECHNOLOGY	037833100	289	680	SH		DFND		640	40	0
APPLE HOSPITALTIY REIT INC COMMON SHARES	REAL ESTATE	03784Y200	1	161	SH		SOLE		161	0	0
APPLIED MATL INC	INFORMATION TECHNOLOGY	038222105	181	2,816	SH		SOLE		2,816	0	0
ARISTA NETWORKS INC.	INFORMATION TECHNOLOGY	040413106	16	60	SH		SOLE		60	0	0
ARROW FINANCIAL CORPORATION	FINANCIALS	042744102	72	2,644	SH		SOLE		2,644	0	0
ASTRAZENECA PLC - ADR	HEALTHCARE	046353108	26	475	SH		SOLE		475	0	0
AUTOMATIC DATA PROCESSING INC	INFORMATION TECHNOLOGY	053015103	496	3,733	SH		SOLE		3,433	300	0
AUTOMATIC DATA PROCESSING INC	INFORMATION TECHNOLOGY	053015103	284	2,140	SH		DFND		1,210	930	0
BP P.L.C.	ENERGY	055622104	73	3,328	SH		SOLE		3,328	0	0
BP PRUDHOE BAY ROYALTY TRUST	ENERGY	055630107	0	100	SH		SOLE		100	0	0
BAIDU INC - SPON ADR	INFORMATION TECHNOLOGY	056752108	3	27	SH		SOLE		27	0	0
BANK OF AMERICA CORP	FINANCIALS	060505104	364	14,639	SH		SOLE		14,639	0	0
BANK OF NEW YORK MELLON CORP	FINANCIALS	064058100	35	990	SH		SOLE		990	0	0
BAOUZUN INC-SPN ADR	FOREIGN EQUITIES	06684L103	3	75	SH		SOLE		75	0	0
BARRICK GOLD CORP	MATERIALS	067901108	4	135	SH		SOLE		135	0	0
BAXTER INTERNATIONAL INC.	HEALTHCARE	071813109	86	1,000	SH		SOLE		1,000	0	0
BECTON DICKINSON & CO	HEALTHCARE	075887109	731	2,600	SH		SOLE		2,365	235	0
BERKSHIRE HATHAWAY INC. DEL CLASS B	FINANCIALS	084670702	1,440	7,354	SH		SOLE		7,354	0	0
BERKSHIRE HATHAWAY INC. DEL CLASS B	FINANCIALS	084670702	24	122	SH		DFND		0	122	0
BIOGEN INC	HEALTHCARE	09062X103	2	8	SH		SOLE		8	0	0
BIONTECH SE SPONSORED ADS	FOREIGN EQUITIES	09075V102	4	50	SH		SOLE		50	0	0
BLACKROCK INC	FINANCIALS	09247X101	573	997	SH		SOLE		997	0	0
BLACKROCK INC	FINANCIALS	09247X101	9	15	SH		DFND		0	15	0
BOEING	INDUSTRIALS	097023105	285	1,804	SH		SOLE		1,749	30	25
BOEING	INDUSTRIALS	097023105	145	915	SH		DFND		500	415	0
BRISTOL MYERS SQUIBB CO	HEALTHCARE	110122108	1,260	21,491	SH		SOLE		19,491	2,000	0
BRISTOL MYERS SQUIBB CO	HEALTHCARE	110122108	258	4,405	SH		DFND		3,000	1,405	0
CBOE GLOBAL MARKETS, INC.	FINANCIALS	12503M108	9	100	SH		SOLE		100	0	0
CME GROUP INC.	FINANCIALS	12572Q105	4	23	SH		SOLE		23	0	0
CSX CORPORATION	INDUSTRIALS	126408103	595	8,335	SH		SOLE		8,335	0	0
CSX CORPORATION	INDUSTRIALS	126408103	86	1,200	SH		DFND		1,200	0	0
CVS HEALTH CORP	CONSUMER STAPLES	126650100	620	9,860	SH		SOLE		9,860	0	0
CANADIAN NATIONAL RAILWAY CO	FOREIGN EQUITIES	136375102	4	40	SH		SOLE		40	0	0
CANADIAN PACIFIC RAILWAY LTD	FOREIGN EQUITIES	13645T100	54	198	SH		SOLE		198	0	0
CAPITAL ONE FINANCIAL CORP	FINANCIALS	14040H105	6	90	SH		SOLE		90	0	0
CARRIER GLOBAL CORPORATION	INDUSTRIALS	14448C104	276	10,123	SH		SOLE		9,423	700	0
CARRIER GLOBAL CORPORATION	INDUSTRIALS	14448C104	62	2,265	SH		DFND		1,655	610	0
CASEY'S GENERAL STORES INC	CONSUMER DISCRETIONARY	147528103	11	70	SH		SOLE		70	0	0
CATERPILLAR INC	INDUSTRIALS	149123101	872	6,559	SH		SOLE		6,464	70	25
CATERPILLAR INC	INDUSTRIALS	149123101	274	2,060	SH		DFND		1,525	535	0
CENTERPOINT ENERGY, INC	UTILITIES	15189T107	23	1,200	SH		SOLE		1,200	0	0
CENTERPOINT ENERGY, INC	UTILITIES	15189T107	95	5,000	SH		DFND		5,000	0	0
CHARTER COMMUNICATIONS,INC-A	COMMUNICATION SERVICES	16119P108	28	49	SH		SOLE		49	0	0
CHEVRON CORPORATION	ENERGY	166764100	926	11,031	SH		SOLE		10,613	418	0
CHEVRON CORPORATION	ENERGY	166764100	149	1,775	SH		DFND		1,195	580	0
CISCO SYSTEMS INC.	INFORMATION TECHNOLOGY	17275R102	1,268	26,929	SH		SOLE		26,364	500	65
CISCO SYSTEMS INC.	INFORMATION TECHNOLOGY	17275R102	61	1,305	SH		DFND		30	1,275	0
CIRRUS LOGIC INC	INFORMATION TECHNOLOGY	172755100	7	100	SH		SOLE		100	0	0
CITIGROUP INC.	FINANCIALS	172967424	29	588	SH		SOLE		588	0	0
CLOROX COMPANY	CONSUMER STAPLES	189054109	77	325	SH		SOLE		325	0	0
CLOROX COMPANY	CONSUMER STAPLES	189054109	47	200	SH		DFND		0	200	0
CLOUD PEAK ENERGY INC.	ENERGY	18911Q102	0	175	SH		SOLE		175	0	0
COCA COLA CO	CONSUMER STAPLES	191216100	1,024	21,669	SH		SOLE		19,114	2,555	0
COCA COLA CO	CONSUMER STAPLES	191216100	227	4,815	SH		DFND		3,680	1,135	0
COGNIZANT TECHNOLOGY SOLUTIONS CORP	INFORMATION TECHNOLOGY	192446102	7	100	SH		SOLE		100	0	0
COHERENT INC.	INFORMATION TECHNOLOGY	192479103	1	8	SH		SOLE		8	0	0
COLGATE PALMOLIVE	CONSUMER STAPLES	194162103	803	10,401	SH		SOLE		10,366	0	35
COLGATE PALMOLIVE	CONSUMER STAPLES	194162103	142	1,844	SH		DFND		1,624	220	0
COMCAST CORP NEW CL A	CONSUMER DISCRETIONARY	20030N101	124	2,887	SH		SOLE		2,887	0	0
CONOCOPHILLIPS	ENERGY	20825C104	423	11,308	SH		SOLE		11,048	260	0
CONOCOPHILLIPS	ENERGY	20825C104	72	1,930	SH		DFND		1,810	120	0
CONSOLIDATED EDISON INC	UTILITIES	209115104	35	460	SH		SOLE		460	0	0
CORNING INC	INFORMATION TECHNOLOGY	219350105	399	12,875	SH		SOLE		12,875	0	0
COSTCO WHSL CORP NEW	CONSUMER STAPLES	22160K105	455	1,397	SH		SOLE		1,397	0	0
CRACKER BARREL OLD COUNTRY	CONSUMER DISCRETIONARY	22410J106	4	35	SH		SOLE		35	0	0
CRONOS GROUP, INC.	FOREIGN EQUITIES	22717L101	1	160	SH		SOLE		160	0	0
CUMMINS INC	INDUSTRIALS	231021106	161	832	SH		SOLE		832	0	0
CUMMINS INC	INDUSTRIALS	231021106	21	110	SH		DFND		110	0	0
DNP SELECT INCOME FUND INC	FIXED INCOME	23325P104	16	1,500	SH		SOLE		1,500	0	0
DTE ENERGY CO	UTILITIES	233331107	48	415	SH		SOLE		415	0	0
DANAHER CORP	HEALTHCARE	235851102	529	2,595	SH		SOLE		2,595	0	0
DANAHER CORP	HEALTHCARE	235851102	178	875	SH		DFND		500	375	0
DATADOG INC CLASS A	INFORMATION TECHNOLOGY	23804L103	22	235	SH		SOLE		235	0	0
DEERE & CO (JOHN DEERE)	INDUSTRIALS	244199105	263	1,490	SH		SOLE		1,280	210	0
DELTA AIR LINES INC	CONSUMER DISCRETIONARY	247361702	19	775	SH		SOLE		775	0	0
DENTSPLY SIRONA INC	CONSUMER DISCRETIONARY	24906P109	17	380	SH		SOLE		380	0	0
DIAGEO PLC	CONSUMER DISCRETIONARY	25243Q205	20	134	SH		SOLE		134	0	0
DISNEY (WALT) COMPANY HOLDING CO	CONSUMER DISCRETIONARY	254687106	1,425	12,189	SH		SOLE		12,164	0	25
DISNEY (WALT) COMPANY HOLDING CO	CONSUMER DISCRETIONARY	254687106	153	1,308	SH		DFND		220	1,088	0
DISCOVER FINANCIAL SERVICES	FINANCIALS	254709108	22	440	SH		SOLE		440	0	0
DOCUSIGN INC	INFORMATION TECHNOLOGY	256163106	35	160	SH		SOLE		160	0	0
DOLLAR GENERAL CORP	CONSUMER DISCRETIONARY	256677105	29	150	SH		SOLE		150	0	0
DOMINION ENERGY, INC.	UTILITIES	25746U109	276	3,408	SH		SOLE		3,318	90	0
DOMINION ENERGY, INC.	UTILITIES	25746U109	51	635	SH		DFND		635	0	0
DOMINO'S PIZZA INC	CONSUMER DISCRETIONARY	25754A201	25	65	SH		SOLE		65	0	0
DOW INC.	MATERIALS	260557103	123	2,987	SH		SOLE		2,320	667	0
DOW INC.	MATERIALS	260557103	3	85	SH		DFND		0	85	0
DUKE ENERGY CORPORATION NEW	ENERGY	26441C204	132	1,560	SH		SOLE		1,560	0	0
ECA MARCELLUS TRUST I	ENERGY	26827L109	0	773	SH		SOLE		773	0	0
EOG RESOURCES INC	ENERGY	26875P101	5	97	SH		SOLE		97	0	0
EBAY INC	CONSUMER DISCRETIONARY	278642103	17	307	SH		SOLE		307	0	0
ELECTRONIC ARTS INC	INFORMATION TECHNOLOGY	285512109	8	55	SH		SOLE		55	0	0
EMERSON ELECTRIC	INDUSTRIALS	291011104	282	4,543	SH		SOLE		3,063	1,480	0
EMERSON ELECTRIC	INDUSTRIALS	291011104	168	2,715	SH		DFND		1,000	1,715	0
ENBRIDGE INC	ENERGY	29250N105	20	628	SH		SOLE		628	0	0
ENTERGY CORPORATION	UTILITIES	29364G103	84	800	SH		DFND		800	0	0
ENTERPRISE PRODUCTS PARTNERS L.P.	ENERGY	293792107	92	5,227	SH		SOLE		5,227	0	0
EQUITY RESIDENTIAL SHARES OF BENEFICIAL INT	FINANCIALS	29476L107	3	50	SH		SOLE		50	0	0
ESPEY MFG. & ELECTRONICS CORP	INDUSTRIALS	296650104	108	5,797	SH		SOLE		5,797	0	0
ESPEY MFG. & ELECTRONICS CORP	INDUSTRIALS	296650104	4	193	SH		DFND		93	0	100
ETSY INC	CONSUMER DISCRETIONARY	29786A106	12	100	SH		SOLE		100	0	0
EXELON CORP	UTILITIES	30161N101	31	815	SH		SOLE		540	275	0
EXELON CORP	UTILITIES	30161N101	42	1,090	SH		DFND		1,090	0	0
EXXON MOBIL CORP	ENERGY	30231G102	967	22,983	SH		SOLE		17,816	5,130	37
EXXON MOBIL CORP	ENERGY	30231G102	212	5,038	SH		DFND		1,984	3,054	0
FACEBOOK INC	INFORMATION TECHNOLOGY	30303M102	1,337	5,270	SH		SOLE		5,165	105	0
FACEBOOK INC	INFORMATION TECHNOLOGY	30303M102	18	70	SH		DFND		70	0	0
FAIR ISAAC CORPORATION	INFORMATION TECHNOLOGY	303250104	7	15	SH		SOLE		15	0	0
FASTLY INC CLASS A	INFORMATION TECHNOLOGY	31188V100	30	310	SH		SOLE		310	0	0
FEDEX CORPORATION	INDUSTRIALS	31428X106	26	152	SH		SOLE		152	0	0
FEDEX CORPORATION	INDUSTRIALS	31428X106	21	125	SH		DFND		125	0	0
FIDELITY MSCI INFORMATION TECHNOLOGY INDEX ETF	INFORMATION TECHNOLOGY	316092808	184	2,115	SH		SOLE		2,115	0	0
FIFTH THIRD BANCORP	FINANCIALS	316773100	13	675	SH		SOLE		675	0	0
FIRST TRUST NASDAQ CLEAN EDGE GREEN ENERGY ETF	Exchange Traded Funds - Equity	33733E500	52	1,485	SH		SOLE		1,485	0	0
FIRST TRUST NEW OPPORTUNITIES MLP	ENERGY	33739M100	20	4,987	SH		SOLE		4,987	0	0
FIRSTENERGY CORP	UTILITIES	337932107	9	308	SH		SOLE		308	0	0
FORD MOTOR CO DEL	CONSUMER DISCRETIONARY	345370860	83	12,530	SH		SOLE		12,530	0	0
FORTIVE CORPORATION	INFORMATION TECHNOLOGY	34959J108	20	287	SH		DFND		100	187	0
FRANKLIN RESOURCES, INC.	FINANCIALS	354613101	3	150	SH		SOLE		150	0	0
FRESHPET INC	CONSUMER STAPLES	358039105	7	75	SH		SOLE		75	0	0
GENERAL DYNAMICS CORPORATION	INDUSTRIALS	369550108	287	1,954	SH		SOLE		1,954	0	0
GENERAL DYNAMICS CORPORATION	INDUSTRIALS	369550108	10	65	SH		DFND		65	0	0
GENERAL ELECTRIC CO	INDUSTRIALS	369604103	163	26,777	SH		SOLE		18,077	8,700	0
GENERAL ELECTRIC CO	INDUSTRIALS	369604103	1	100	SH		DFND		0	0	100
GENERAL MILLS, INC	CONSUMER STAPLES	370334104	107	1,695	SH		SOLE		1,095	600	0
GENERAL MILLS, INC	CONSUMER STAPLES	370334104	89	1,400	SH		DFND		1,400	0	0
GILEAD SCIENCES, INC.	HEALTHCARE	375558103	185	2,660	SH		SOLE		2,660	0	0
GILEAD SCIENCES, INC.	HEALTHCARE	375558103	10	150	SH		DFND		0	150	0
GLADSTONE COMMERCIAL CORP	CONSUMER DISCRETIONARY	376536108	20	1,100	SH		SOLE		1,100	0	0
GLAXO SMITHKLINE PLC SPON ADR	HEALTHCARE	37733W105	29	730	SH		SOLE		560	170	0
GLAXO SMITHKLINE PLC SPON ADR	HEALTHCARE	37733W105	16	400	SH		DFND		400	0	0
GOLDMAN SACHS GROUP INC	FINANCIALS	38141G104	20	100	SH		SOLE		100	0	0
GUARDANT HEALTH INC.	HEALTHCARE	40131M109	10	115	SH		SOLE		115	0	0
HSBC HOLDINGS PLC SPONS ADRS	FINANCIALS	404280406	14	607	SH		SOLE		607	0	0
HALLIBURTON COMPANY	ENERGY	406216101	5	320	SH		SOLE		320	0	0
HARLEY DAVIDSON	CONSUMER DISCRETIONARY	412822108	8	310	SH		SOLE		310	0	0
HELMERICH & PAYNE, INC.	ENERGY	423452101	11	620	SH		SOLE		620	0	0
THE HERSHEY COMPANY	CONSUMER STAPLES	427866108	29	200	SH		SOLE		200	0	0
HOME DEPOT INC	CONSUMER DISCRETIONARY	437076102	1,943	7,320	SH		SOLE		6,265	1,055	0
HOME DEPOT INC	CONSUMER DISCRETIONARY	437076102	473	1,780	SH		DFND		1,000	780	0
HONEYWELL INTERNATIONAL INC	INDUSTRIALS	438516106	132	886	SH		SOLE		886	0	0
HOWMET AEROSPACE INC.	INDUSTRIALS	443201108	0	16	SH		SOLE		16	0	0
HUBSPOT INC.	INFORMATION TECHNOLOGY	443573100	32	135	SH		SOLE		135	0	0
ILLINOIS TOOL WORKS INC.	INDUSTRIALS	452308109	156	842	SH		SOLE		842	0	0
INTEL CORP	INFORMATION TECHNOLOGY	458140100	2,151	45,080	SH		SOLE		42,165	2,850	65
INTEL CORP	INFORMATION TECHNOLOGY	458140100	394	8,264	SH		DFND		5,949	2,315	0
INTERACTIVE BROKERS GRO-CL A	FINANCIALS	45841N107	12	250	SH		SOLE		250	0	0
INTL BUSINESS MACHINES	INFORMATION TECHNOLOGY	459200101	493	4,013	SH		SOLE		3,933	80	0
INTL BUSINESS MACHINES	INFORMATION TECHNOLOGY	459200101	181	1,472	SH		DFND		500	972	0
INTERNATIONAL PAPER CO	MATERIALS	460146103	36	1,042	SH		SOLE		1,007	0	35
INTUITIVE SURGICAL INC	HEALTHCARE	46120E602	14	20	SH		SOLE		20	0	0
INVESCO GLOBAL WATER ETF	Exchange Traded Funds - Equity	46138E651	46	1,500	SH		SOLE		1,500	0	0
IQIYI, INC. - ADR	INFORMATION TECHNOLOGY	46267X108	2	100	SH		SOLE		100	0	0
IROBOT CORPORATION	INDUSTRIALS	462726100	2	30	SH		SOLE		30	0	0
ETF ISHARES SILVER TR	MUTUAL FUND	46428Q109	86	3,810	SH		SOLE		3,810	0	0
ISHARES GOLD TRUST	Exchange Traded Funds - Equity	464285105	44	2,321	SH		SOLE		2,321	0	0
ISHARES MSCI AUSTRALIA ETF	MUTUAL FUND	464286103	6	300	SH		DFND		300	0	0
ISHARES MSCI CANADA ETF	MUTUAL FUND	464286509	7	250	SH		DFND		250	0	0
ISHARES MSCI HONG KONG ETF	MUTUAL FUND	464286871	2	100	SH		SOLE		100	0	0
ISHARES S & P 100 ETF	MUTUAL FUND	464287101	1,114	7,405	SH		SOLE		7,405	0	0
ISHARES SELECT DIVIDEND ETF	MUTUAL FUND	464287168	117	1,410	SH		SOLE		1,410	0	0
ISHARES TIPS BOND ETF	FIXED INCOME	464287176	6,448	51,234	SH		SOLE		50,749	0	485
ISHARES TIPS BOND ETF	FIXED INCOME	464287176	821	6,527	SH		DFND		5,985	542	0
ISHARES CHINA LARGE CAP ETF	MUTUAL FUND	464287184	5	115	SH		DFND		0	115	0
ISHARES CORE TOTAL US AGGREGATE BOND ETF	FIXED INCOME	464287226	6,286	52,574	SH		SOLE		52,574	0	0
ISHARES MSCI EMERGING MARKETS ETF	Exchange Traded Funds - Equity	464287234	15	340	SH		SOLE		340	0	0
ISHARES S&P 500 GROWTH ETF	Exchange Traded Funds - Equity	464287309	7	31	SH		SOLE		31	0	0
ISHARES MSCI EAFE ETF FUND	MUTUAL FUND	464287465	450	7,257	SH		SOLE		7,170	0	87
ISHARES MSCI EAFE ETF FUND	MUTUAL FUND	464287465	40	650	SH		DFND		0	650	0
ISHARES RUSSELL MIDCAP ETF	Exchange Traded Funds - Equity	464287499	136	2,387	SH		SOLE		2,387	0	0
ISHARES CORE S&P MID CAP ETF	Exchange Traded Funds - Equity	464287507	88	471	SH		SOLE		471	0	0
ISHARES RUSSELL 1000 VALUE INDEX FUND	MUTUAL FUND	464287598	9	76	SH		SOLE		76	0	0
ISHARES RUSSELL 1000 GROWTH ETF	MUTUAL FUND	464287614	476	2,300	SH		SOLE		2,300	0	0
ISHARES RUSSELL 2000 GROWTH ETF	Exchange Traded Funds - Equity	464287648	109	510	SH		SOLE		510	0	0
ISHARES RUSSELL 2000 ETF	Exchange Traded Funds - Equity	464287655	118	803	SH		SOLE		803	0	0
ISHARES CORE S&P SMALL-CAP ETF	MUTUAL FUND	464287804	2,691	37,793	SH		SOLE		37,713	0	80
ISHARES CORE S&P SMALL-CAP ETF	MUTUAL FUND	464287804	113	1,583	SH		DFND		540	1,043	0
ETF ISHARES GLOBAL CLEAN ENERGY	Exchange Traded Funds - Equity	464288224	57	3,953	SH		SOLE		3,953	0	0
ISHARES MSCI KLD 400 SOCIAL	MUTUAL FUND	464288570	41	330	SH		SOLE		330	0	0
ISHARES DOW JONES US HOME CONSTRUCTION INDEX	Exchange Traded Funds - Equity	464288752	31	605	SH		SOLE		605	0	0
ISHARES MSCI USA ESG SELECT	MUTUAL FUND	464288802	43	300	SH		SOLE		300	0	0
ISHARES MSCI SINGAPORE ETF	Exchange Traded Funds - Equity	46434G780	5	264	SH		DFND		264	0	0
JPMORGAN CHASE & CO COM	FINANCIALS	46625H100	1,701	17,602	SH		SOLE		16,512	1,065	25
JPMORGAN CHASE & CO COM	FINANCIALS	46625H100	94	975	SH		DFND		945	30	0
JD.COM INC.-ADR	CONSUMER DISCRETIONARY	47215P106	4	70	SH		SOLE		70	0	0
JOHNSON & JOHNSON	HEALTHCARE	478160104	3,020	20,718	SH		SOLE		19,538	1,150	30
JOHNSON & JOHNSON	HEALTHCARE	478160104	501	3,440	SH		DFND		1,385	2,055	0
KELLOGG COMPANY	CONSUMER STAPLES	487836108	14	200	SH		DFND		200	0	0
KEYCORP NEW COM	FINANCIALS	493267108	7	542	SH		SOLE		542	0	0
KIMBERLY CLARK	CONSUMER STAPLES	494368103	203	1,332	SH		SOLE		1,262	70	0
KIMBERLY CLARK	CONSUMER STAPLES	494368103	152	1,000	SH		DFND		1,000	0	0
LAM RESEARCH CORP COMMON	HEALTHCARE	512807108	9	25	SH		SOLE		25	0	0
ELI LILLY & CO	HEALTHCARE	532457108	474	3,157	SH		SOLE		3,157	0	0
ELI LILLY & CO	HEALTHCARE	532457108	360	2,395	SH		DFND		2,250	145	0
LITTELFUSE INC	INFORMATION TECHNOLOGY	537008104	9	50	SH		SOLE		50	0	0
LOCKHEED MARTIN CORP	INDUSTRIALS	539830109	1,570	4,144	SH		SOLE		3,824	320	0
LOCKHEED MARTIN CORP	INDUSTRIALS	539830109	356	940	SH		DFND		940	0	0
LOWES COMPANIES INC	CONSUMER DISCRETIONARY	548661107	407	2,733	SH		SOLE		2,658	0	75
LOWES COMPANIES INC	CONSUMER DISCRETIONARY	548661107	73	490	SH		DFND		490	0	0
LULULEMON ATHLETICA INC	CONSUMER DISCRETIONARY	550021109	13	40	SH		SOLE		40	0	0
MANULIFE FINANCIAL	FINANCIALS	56501R106	9	645	SH		SOLE		645	0	0
MARATHON PETROLEUM CORPORATION	ENERGY	56585A102	93	2,442	SH		SOLE		2,442	0	0
MARKEL CORP HOLDING COMPANY	FINANCIALS	570535104	10	10	SH		SOLE		10	0	0
MASIMO CORPORATION	HEALTHCARE	574795100	3	12	SH		SOLE		12	0	0
MASTERCARD INC - CLASS A	FINANCIALS	57636Q104	205	664	SH		SOLE		599	65	0
MCCORMICK & CO.	CONSUMER STAPLES	579780206	156	800	SH		SOLE		100	700	0
MCDONALDS CORP	CONSUMER DISCRETIONARY	580135101	1,734	8,924	SH		SOLE		8,124	785	15
MCDONALDS CORP	CONSUMER DISCRETIONARY	580135101	514	2,647	SH		DFND		1,300	1,347	0
MCKESSON CORPORATION	HEALTHCARE	58155Q103	72	480	SH		SOLE		480	0	0
MERCADOLIBRE INC	INFORMATION TECHNOLOGY	58733R102	3	3	SH		SOLE		3	0	0
MERCK & CO., INC	HEALTHCARE	58933Y105	470	5,853	SH		SOLE		5,433	420	0
MERCK & CO., INC	HEALTHCARE	58933Y105	120	1,500	SH		DFND		1,500	0	0
METLIFE INC	FINANCIALS	59156R108	465	12,292	SH		SOLE		12,262	0	30
MICROSOFT CORP	INFORMATION TECHNOLOGY	594918104	4,810	23,462	SH		SOLE		21,972	1,490	0
MICROSOFT CORP	INFORMATION TECHNOLOGY	594918104	486	2,370	SH		DFND		1,530	840	0
MONDELEZ INTERNATIONAL INC	CONSUMER STAPLES	609207105	119	2,151	SH		SOLE		1,151	1,000	0
MONGODB, INC.	INFORMATION TECHNOLOGY	60937P106	20	88	SH		SOLE		88	0	0
MORGAN STANLEY	FINANCIALS	617446448	122	2,502	SH		SOLE		2,502	0	0
NASDAQ STOCK MARKET INC	FINANCIALS	631103108	7	50	SH		SOLE		50	0	0
NETAPP, INC.	INFORMATION TECHNOLOGY	64110D104	4	100	SH		SOLE		100	0	0
NETFLIX INC	INFORMATION TECHNOLOGY	64110L106	266	545	SH		SOLE		545	0	0
NEW JERSEY RESOURCES CORP	UTILITIES	646025106	28	912	SH		SOLE		912	0	0
NEW RESIDENTIAL INVESTMENT CORP	REAL ESTATE	64828T201	9	1,140	SH		SOLE		1,140	0	0
NEW RELIC INC	INFORMATION TECHNOLOGY	64829B100	5	65	SH		SOLE		65	0	0
NEWELL BRANDS INC	CONSUMER DISCRETIONARY	651229106	0	16	SH		SOLE		16	0	0
NEWMONT GOLDCORP CORPORATION	MATERIALS	651639106	91	1,312	SH		SOLE		1,312	0	0
NEXTERA ENERGY INC	UTILITIES	65339F101	2,003	7,135	SH		SOLE		6,835	300	0
NEXTERA ENERGY INC	UTILITIES	65339F101	250	890	SH		DFND		750	140	0
NICE LTD - AMERICAN DEPOSITORY SHARES	INFORMATION TECHNOLOGY	653656108	6	30	SH		SOLE		30	0	0
NIKE, INC	CONSUMER DISCRETIONARY	654106103	519	5,320	SH		SOLE		5,320	0	0
NOKIA CORPORATION	INFORMATION TECHNOLOGY	654902204	1	200	SH		SOLE		200	0	0
NOBLE ENERGY INC.	ENERGY	655044105	3	300	SH		DFND		0	300	0
NORTHROP GRUMMAN CORP	INDUSTRIALS	666807102	339	1,042	SH		SOLE		1,042	0	0
NOVARTIS AG - ADR	FOREIGN EQUITIES	66987V109	11	130	SH		SOLE		0	130	0
NUCOR	MATERIALS	670346105	50	1,200	SH		SOLE		600	600	0
NUCOR	MATERIALS	670346105	34	800	SH		DFND		800	0	0
NVIDIA CORP.	INFORMATION TECHNOLOGY	67066G104	1,268	2,987	SH		SOLE		2,987	0	0
O'SHARES FTSE US QUALITY DIVIDEND ETF	Exchange Traded Funds - Equity	67110P407	142	4,059	SH		SOLE		4,059	0	0
ORACLE CORPORATION	INFORMATION TECHNOLOGY	68389X105	215	3,878	SH		SOLE		3,878	0	0
ORACLE CORPORATION	INFORMATION TECHNOLOGY	68389X105	9	170	SH		DFND		0	170	0
OTIS WORLDWIDE CORPORATION	INDUSTRIALS	68902V107	316	5,045	SH		SOLE		4,695	350	0
OTIS WORLDWIDE CORPORATION	INDUSTRIALS	68902V107	71	1,132	SH		DFND		827	305	0
PNC FINANCIAL SERVICES GROUP INC	FINANCIALS	693475105	38	353	SH		SOLE		353	0	0
PPG INDUSTRIES	MATERIALS	693506107	15	140	SH		SOLE		140	0	0
PPL CORP	UTILITIES	69351T106	6	220	SH		SOLE		220	0	0
PACIRA BIOSCIENCES, INC	HEALTHCARE	695127100	32	600	SH		SOLE		600	0	0
PALO ALTO NETWORKS INC	INFORMATION TECHNOLOGY	697435105	4	15	SH		SOLE		15	0	0
PELOTON INTERACTIVE INC CLASS A	CONSUMER DISCRETIONARY	70614W100	14	210	SH		SOLE		210	0	0
PEPSICO INC	CONSUMER STAPLES	713448108	2,590	18,818	SH		SOLE		18,523	295	0
PEPSICO INC	CONSUMER STAPLES	713448108	522	3,795	SH		DFND		2,030	1,765	0
PERKIN ELMER, INC	INFORMATION TECHNOLOGY	714046109	15	125	SH		SOLE		125	0	0
PETMED EXPRESS INC.	HEALTHCARE	716382106	3	100	SH		SOLE		100	0	0
PFIZER INC	HEALTHCARE	717081103	1,014	26,369	SH		SOLE		23,813	2,556	0
PFIZER INC	HEALTHCARE	717081103	169	4,400	SH		DFND		4,000	400	0
PHILIP MORRIS INTERNATIONAL W/I	CONSUMER DISCRETIONARY	718172109	117	1,526	SH		SOLE		1,526	0	0
PHILLIPS 66	ENERGY	718546104	415	6,687	SH		SOLE		6,477	210	0
PHILLIPS 66	ENERGY	718546104	74	1,197	SH		DFND		1,095	102	0
PITNEY BOWES	INFORMATION TECHNOLOGY	724479100	4	1,217	SH		SOLE		1,217	0	0
PLAINS ALL AMERICAN PIPELINE	ENERGY	726503105	37	4,800	SH		SOLE		4,800	0	0
PLUG POWER INC.	INFORMATION TECHNOLOGY	72919P202	9	1,110	SH		SOLE		1,110	0	0
POST HOLDINGS INC	CONSUMER STAPLES	737446104	4	50	SH		SOLE		50	0	0
PREFERRED APARTMENT COMMUNITIES	REAL ESTATE	74039L103	11	1,570	SH		SOLE		1,570	0	0
T ROWE PRICE GROUP INC	FINANCIALS	74144T108	28	200	SH		SOLE		200	0	0
PROCTER & GAMBLE CO	CONSUMER STAPLES	742718109	3,209	24,477	SH		SOLE		22,770	1,672	35
PROCTER & GAMBLE CO	CONSUMER STAPLES	742718109	649	4,950	SH		DFND		2,935	2,015	0
PRUDENTIAL FINANCIAL INC	FINANCIALS	744320102	134	2,121	SH		SOLE		2,036	85	0
PUBLIC SERVICE ENTERPRISE GROUP, INC	UTILITIES	744573106	38	672	SH		SOLE		672	0	0
QUALCOMM INC	INFORMATION TECHNOLOGY	747525103	1,025	9,704	SH		SOLE		9,439	235	30
QUALCOMM INC	INFORMATION TECHNOLOGY	747525103	70	665	SH		DFND		665	0	0
QUANTA SERVICES INC	INDUSTRIALS	74762E102	4	100	SH		SOLE		100	0	0
REGENERON PHARMACEUTICALS	HEALTHCARE	75886F107	68	108	SH		SOLE		108	0	0
REPLIGEN CORPORATION	HEALTHCARE	759916109	15	100	SH		SOLE		100	0	0
RIO TINTO PLC	MATERIALS	767204100	31	500	SH		SOLE		500	0	0
ROCHE HOLDING AG	HEALTHCARE	771195104	4	103	SH		SOLE		103	0	0
ROKU INC	CONSUMER DISCRETIONARY	77543R102	7	45	SH		SOLE		45	0	0
ROYAL DUTCH SHELL PLC-ADR	ENERGY	780259107	2	64	SH		SOLE		64	0	0
ROYAL DUTCH SHELL PLC ADR	ENERGY	780259206	29	985	SH		SOLE		985	0	0
SPDR S & P 500 ETF TRUST	MUTUAL FUND	78462F103	14,447	44,246	SH		SOLE		44,246	0	0
SPDR S & P 500 ETF TRUST	MUTUAL FUND	78462F103	527	1,615	SH		DFND		1,020	595	0
SPDR GOLD TRUST	MUTUAL FUND	78463V107	275	1,484	SH		SOLE		1,484	0	0
SPDR LOW CARBON TARGET ETF	Exchange Traded Funds - Equity	78463X194	11	110	SH		SOLE		110	0	0
SPDR S&P DIVIDEND ETF	Exchange Traded Funds - Equity	78464A763	248	2,655	SH		SOLE		2,655	0	0
ETF SPDR S&P BIOTECH	HEALTHCARE	78464A870	635	5,805	SH		SOLE		5,805	0	0
SPDR DOW JONES INDUSTRIAL AVERAGE TRUST ETF	Exchange Traded Funds - Equity	78467X109	7	25	SH		SOLE		25	0	0
S&P MIDCAP 400 DEPOSITORY RECEIPTS ETF -W	MUTUAL FUND	78467Y10W	74	218	SH		SOLE		218	0	0
S & P MIDCAP 400 DEPOSITORY RECEIPTS ETF	MUTUAL FUND	78467Y107	4,834	14,235	SH		SOLE		14,178	0	57
S & P MIDCAP 400 DEPOSITORY RECEIPTS ETF	MUTUAL FUND	78467Y107	205	603	SH		DFND		230	373	0
SPDR GENDER DIVERSITY INDEX ETF	Exchange Traded Funds - Equity	78468R747	15	200	SH		SOLE		200	0	0
SALESFORCE.COM, INC.	INFORMATION TECHNOLOGY	79466L302	80	413	SH		SOLE		413	0	0
SCHLUMBERGER LTD	ENERGY	806857108	232	12,805	SH		SOLE		12,105	700	0
SCHLUMBERGER LTD	ENERGY	806857108	5	300	SH		DFND		0	300	0
CHARLES SCHWAB CORPORATION	FINANCIALS	808513105	2	65	SH		SOLE		65	0	0
SEATTLE GENETICS INC	HEALTHCARE	812578102	17	100	SH		SOLE		100	0	0
MATERIAL SELECT SECTOR SPDR TRUST	MATERIALS	81369Y100	137	2,270	SH		SOLE		2,270	0	0
HEALTH CARE SELECT SECTOR SPDR FUND	HEALTHCARE	81369Y209	19	177	SH		SOLE		177	0	0
CONSUMER STAPLES SELECT SECTOR SPDR FUND	CONSUMER STAPLES	81369Y308	155	2,479	SH		SOLE		2,479	0	0
CONSUMER DISCRETIONARY SELE CT SECTOR SPDR FUND	CONSUMER DISCRETIONARY	81369Y407	101	735	SH		SOLE		735	0	0
ENERGY SELECT SECTOR SPDR FUND	ENERGY	81369Y506	66	1,825	SH		SOLE		1,825	0	0
FINANCIAL SELECT SECTOR SPDR FUND	FINANCIALS	81369Y605	126	5,250	SH		SOLE		5,250	0	0
INDUSTRIAL SELECT SECTOR SPDR FUND	INDUSTRIALS	81369Y704	7	100	SH		SOLE		100	0	0
TECHNOLOGY SELECT SECT SPDR	INFORMATION TECHNOLOGY	81369Y803	658	5,956	SH		SOLE		5,956	0	0
TECHNOLOGY SELECT SECT SPDR	INFORMATION TECHNOLOGY	81369Y803	50	450	SH		DFND		0	450	0
COMMUNICATION SERVICES SELECT SECTOR SPDR FUND	COMMUNICATION SERVICES	81369Y852	97	1,661	SH		SOLE		1,661	0	0
AMEX UTILITIES SELECT INDEX SHS BEN INT	UTILITIES	81369Y886	178	2,930	SH		SOLE		2,930	0	0
SEMPRA ENERGY	UTILITIES	816851109	125	1,001	SH		SOLE		1,001	0	0
SHERWIN WILLIAMS COMPANY	CONSUMER DISCRETIONARY	824348106	19	30	SH		SOLE		30	0	0
SCHOCKWAVE MEDICAL INC	HEALTHCARE	82489T104	6	127	SH		SOLE		127	0	0
SIEMENS AG	FOREIGN EQUITIES	826197501	11	170	SH		SOLE		170	0	0
SIMON PROPERTY GROUP	FINANCIALS	828806109	30	478	SH		SOLE		478	0	0
J.M. SMUCKER COMPANY	CONSUMER STAPLES	832696405	176	1,606	SH		SOLE		655	951	0
SNAP-ON INC	CONSUMER DISCRETIONARY	833034101	89	609	SH		SOLE		609	0	0
SONY CORP ADR	FOREIGN EQUITIES	835699307	12	155	SH		SOLE		155	0	0
SOUTHERN CO	UTILITIES	842587107	541	9,902	SH		SOLE		9,217	685	0
SOUTHERN CO	UTILITIES	842587107	183	3,345	SH		DFND		2,600	745	0
SOUTHWEST AIRLINES	INDUSTRIALS	844741108	14	465	SH		SOLE		465	0	0
SPECTRUM BRANDS HOLDINGS INCCOMMON STOCK	CONSUMER STAPLES	84790A105	1	10	SH		SOLE		10	0	0
SPLUNK INC.	ENERGY	848637104	10	50	SH		SOLE		50	0	0
STARBUCKS CORPORATION	CONSUMER DISCRETIONARY	855244109	382	4,992	SH		SOLE		4,992	0	0
STARBUCKS CORPORATION	CONSUMER DISCRETIONARY	855244109	7	92	SH		DFND		0	92	0
STITCH FIX, INC. - CLASS A	CONSUMER DISCRETIONARY	860897107	4	195	SH		SOLE		195	0	0
STRYKER CORP	HEALTHCARE	863667101	793	4,105	SH		SOLE		4,105	0	0
STRYKER CORP	HEALTHCARE	863667101	48	250	SH		DFND		140	110	0
SYNOPSYS INC	INFORMATION TECHNOLOGY	871607107	4	20	SH		SOLE		20	0	0
SYSCO CORPORATION	CONSUMER STAPLES	871829107	12	220	SH		SOLE		220	0	0
TJX COS INC NEW	CONSUMER DISCRETIONARY	872540109	39	745	SH		SOLE		745	0	0
TAKE-TWO INTERACTIVE SOFTWARE, INC.	INFORMATION TECHNOLOGY	874054109	16	95	SH		SOLE		95	0	0
TARGET CORP	CONSUMER DISCRETIONARY	87612E106	362	2,876	SH		SOLE		2,704	130	42
TARGET CORP	CONSUMER DISCRETIONARY	87612E106	195	1,550	SH		DFND		670	880	0
TERADATA CORPORATION	INFORMATION TECHNOLOGY	88076W103	3	128	SH		SOLE		128	0	0
TESLA MOTORS INC	CONSUMER DISCRETIONARY	88160R101	313	219	SH		SOLE		219	0	0
TEVA PHARMACEUTICAL INDUSTRIES LTD. ADS	HEALTHCARE	881624209	5	468	SH		SOLE		268	0	200
TEXAS INSTRUMENTS	INFORMATION TECHNOLOGY	882508104	67	524	SH		SOLE		524	0	0
TEXAS ROADHOUSE INC	CONSUMER DISCRETIONARY	882681109	2	30	SH		SOLE		30	0	0
TEXTRON INC	INDUSTRIALS	883203101	2	65	SH		SOLE		65	0	0
THE TRADE DESK, INC.	INFORMATION TECHNOLOGY	88339J105	36	80	SH		SOLE		80	0	0
3M CO COM	INDUSTRIALS	88579Y101	338	2,245	SH		SOLE		1,730	515	0
3M CO COM	INDUSTRIALS	88579Y101	126	835	SH		DFND		835	0	0
TORONTO-DOMINION BANK NEW	FOREIGN EQUITIES	891160509	21	469	SH		SOLE		469	0	0
TOYOTA MOTOR CORP ADR	CONSUMER DISCRETIONARY	892331307	9	75	SH		SOLE		75	0	0
TRAVELERS COS INC	FINANCIALS	89417E109	84	735	SH		SOLE		735	0	0
TWILIO INC. - A	INFORMATION TECHNOLOGY	90138F102	26	93	SH		SOLE		93	0	0
US BANCORP DEL COM NEW	FINANCIALS	902973304	132	3,577	SH		SOLE		3,577	0	0
US BANCORP DEL COM NEW	FINANCIALS	902973304	4	120	SH		DFND		120	0	0
UNDER ARMOUR INC	CONSUMER DISCRETIONARY	904311107	3	300	SH		SOLE		300	0	0
UNILEVER PLC	FOREIGN EQUITIES	904767704	10	170	SH		SOLE		0	170	0
UNION PACIFIC CORP	INDUSTRIALS	907818108	81	468	SH		SOLE		468	0	0
UNITED PARCEL SERVICE	INDUSTRIALS	911312106	297	2,081	SH		SOLE		2,081	0	0
UNITEDHEALTH GROUP INC	HEALTHCARE	91324P102	371	1,225	SH		SOLE		1,225	0	0
UNIVERSAL DISPLAY CORP	INFORMATION TECHNOLOGY	91347P105	3	17	SH		SOLE		17	0	0
VAIL RESORTS INC.	CONSUMER DISCRETIONARY	91879Q109	3	15	SH		SOLE		15	0	0
VALERO ENERGY NEW	ENERGY	91913Y100	48	855	SH		SOLE		740	115	0
VANECK VECTORS GREEN BOND -ETF	ETF's - Fixed Income	92189F171	11	385	SH		SOLE		385	0	0
VANGUARD DIVIDEND APPRECIATION INDEX FUND	Exchange Traded Funds - Equity	921908844	77	627	SH		SOLE		627	0	0
ETF VANGUARD TOTAL INTL STOCK	MUTUAL FUND	921909768	1,371	26,775	SH		SOLE		26,775	0	0
VANGUARD SHORT-TERM BOND ETF	ETF's - Fixed Income	921937827	7	81	SH		SOLE		81	0	0
VANGUARD TOTAL BOND MARKET FUND ETF	FIXED INCOME	921937835	334	3,731	SH		SOLE		3,731	0	0
VANGUARD FTSE DEVELOPED MARKET ETF	MUTUAL FUND	921943858	654	16,434	SH		SOLE		16,434	0	0
VANGUARD MSCI EMERGING MARKETS ETF	MUTUAL FUND	922042858	978	22,747	SH		SOLE		22,637	0	110
VANGUARD MSCI EMERGING MARKETS ETF	MUTUAL FUND	922042858	66	1,535	SH		DFND		1,160	375	0
ETF VANGUARD RUSSELL 3000	MUTUAL FUND	92206C599	6,568	44,405	SH		SOLE		44,405	0	0
ETF VANGUARD RUSSELL 3000	MUTUAL FUND	92206C599	189	1,280	SH		DFND		1,280	0	0
ETF VANGUARD RUSSELL 2000	MUTUAL FUND	92206C664	18	154	SH		SOLE		154	0	0
VANGUARD REAL ESTATE ETF	Exchange Traded Funds - Equity	922908553	26	315	SH		SOLE		215	100	0
VANGUARD REAL ESTATE ETF	Exchange Traded Funds - Equity	922908553	20	250	SH		DFND		0	250	0
VANGUARD MID-CAP ETF	Exchange Traded Funds - Equity	922908629	1,961	11,250	SH		SOLE		11,250	0	0
VANGUARD GROWTH ETF	Exchange Traded Funds - Equity	922908736	964	4,435	SH		SOLE		4,435	0	0
VANGUARD TOTAL STOCK MARKET ETF	MUTUAL FUND	922908769	969	5,852	SH		SOLE		5,852	0	0
VERIZON COMMUNICATIONS INC	COMMUNICATION SERVICES	92343V104	1,440	25,055	SH		SOLE		23,319	1,736	0
VERIZON COMMUNICATIONS INC	COMMUNICATION SERVICES	92343V104	340	5,909	SH		DFND		3,787	2,122	0
VERTEX PHARMACEUTICALS INC	HEALTHCARE	92532F100	7	25	SH		SOLE		25	0	0
VISA INC - CLASS A SHARES	INFORMATION TECHNOLOGY	92826C839	631	3,313	SH		SOLE		3,213	100	0
VMWARE INC	INFORMATION TECHNOLOGY	928563402	11	75	SH		SOLE		75	0	0
WALMART INC	CONSUMER STAPLES	931142103	668	5,166	SH		SOLE		4,886	280	0
WALMART INC	CONSUMER STAPLES	931142103	146	1,125	SH		DFND		1,125	0	0
WASTE MANAGEMENT INC NEW	INDUSTRIALS	94106L109	1,129	10,298	SH		SOLE		9,343	955	0
WASTE MANAGEMENT INC NEW	INDUSTRIALS	94106L109	144	1,310	SH		DFND		880	430	0
WELLS FARGO & CO NEW	FINANCIALS	949746101	81	3,348	SH		SOLE		3,128	220	0
WELLS FARGO & CO NEW	FINANCIALS	949746101	17	700	SH		DFND		700	0	0
WESTERN DIGITAL CORP	INFORMATION TECHNOLOGY	958102105	16	360	SH		SOLE		360	0	0
THE WILLIAMS CO. INC.	ENERGY	969457100	46	2,394	SH		SOLE		2,394	0	0
WISDOMTREE INVESTMENTS INC	FINANCIALS	97717P104	2	600	SH		SOLE		600	0	0
WORLD FUEL SERVICES CORPORATION	INDUSTRIALS	981475106	13	555	SH		SOLE		555	0	0
YRC WORLDWIDE INC	INDUSTRIALS	984249607	0	2	SH		SOLE		2	0	0
YUM BRANDS INC.	CONSUMER DISCRETIONARY	988498101	7	80	SH		SOLE		80	0	0
YUM BRANDS INC.	CONSUMER DISCRETIONARY	988498101	55	600	SH		DFND		0	600	0
ZEBRA TECHNOLOGIES CORP CLASS A	INFORMATION TECHNOLOGY	989207105	8	30	SH		SOLE		30	0	0
ZIMMER HOLDINGS INC.	HEALTHCARE	98956P102	67	500	SH		SOLE		0	500	0
ZUORA INC	INFORMATION TECHNOLOGY	98983V106	6	494	SH		SOLE		494	0	0