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	46	100	SH		SOLE		100	0	0
ACCENTURE PLC	INFORMATION TECHNOLOGY	G1151C101	1,083	3,019	SH		SOLE		3,019	0	0
EATON CORP PLC	INDUSTRIALS	G29183103	33	198	SH		SOLE		198	0	0
INVESCO LIMITED	FINANCIALS	G491BT108	1	50	SH		SOLE		50	0	0
APTIV PLC	CONSUMER DISCRETIONARY	G6095L109	6	35	SH		SOLE		35	0	0
NORWEGIAN CRUISE LINE HOLDINGS LTD	CONSUMER DISCRETIONARY	G66721104	3	100	SH		SOLE		100	0	0
NOVOCURE LIMITED	HEALTHCARE	G6674U108	10	100	SH		SOLE		100	0	0
FIVERR INTERNATIONAL LTD.	FOREIGN EQUITIES	M4R82T106	46	270	SH		SOLE		270	0	0
WIX.COM LTD	INFORMATION TECHNOLOGY	M98068105	24	128	SH		SOLE		128	0	0
ASML HOLDING N V N Y REGISTRY SHS	FOREIGN EQUITIES	N07059210	24	30	SH		SOLE		30	0	0
FLEXTRONICS INTL	INFORMATION TECHNOLOGY	Y2573F102	18	1,050	SH		SOLE		1,050	0	0
AFLAC INC.	FINANCIALS	001055102	12	216	SH		SOLE		216	0	0
AFLAC INC.	FINANCIALS	001055102	13	250	SH		DFND		0	250	0
AMC ENTMT HLDGS INC CL A COM	CONSUMER DISCRETIONARY	00165C104	4	100	SH		SOLE		100	0	0
AT&T INC.	COMMUNICATION SERVICES	00206R102	1,182	46,800	SH		SOLE		43,927	2,813	60
AT&T INC.	COMMUNICATION SERVICES	00206R102	171	6,782	SH		DFND		4,710	2,072	0
ARK AUTONOMOUS TECHNOLOGY & ROBOTICS ETF	Exchange Traded Funds - Equity	00214Q203	3	30	SH		SOLE		30	0	0
ABBOTT LABS	HEALTHCARE	002824100	753	5,839	SH		SOLE		5,439	400	0
ABBOTT LABS	HEALTHCARE	002824100	155	1,205	SH		DFND		0	1,205	0
ABBVIE INC.	HEALTHCARE	00287Y109	1,358	11,843	SH		SOLE		11,348	495	0
ABBVIE INC.	HEALTHCARE	00287Y109	283	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	218	2,784	SH		SOLE		2,784	0	0
ADOBE INC	INFORMATION TECHNOLOGY	00724F101	429	660	SH		SOLE		660	0	0
AECOM TECHNOLOGY CORP	INFORMATION TECHNOLOGY	00766T100	1	16	SH		SOLE		16	0	0
ADVANCED MICRO DEVICES INC	INFORMATION TECHNOLOGY	007903107	377	3,132	SH		SOLE		3,132	0	0
ADVANCED MICRO DEVICES INC	INFORMATION TECHNOLOGY	007903107	12	100	SH		DFND		0	0	100
INVESCO INTERNATIONAL GROWTH FUND	MUTUAL FUND	008882532	2	71	SH		SOLE		71	0	0
AIR PRODUCTS & CHEMICALS INC	MATERIALS	009158106	260	868	SH		SOLE		868	0	0
ALIGN TECHNOLOGY INC.	HEALTHCARE	016255101	6	10	SH		SOLE		10	0	0
ALLSTATE CORP	FINANCIALS	020002101	136	1,100	SH		SOLE		800	300	0
ALTRIA GROUP, INC.	CONSUMER STAPLES	02209S103	137	3,111	SH		SOLE		3,111	0	0
AMAZON. COM, INC	CONSUMER DISCRETIONARY	023135106	5,844	1,733	SH		SOLE		1,723	10	0
AMAZON. COM, INC	CONSUMER DISCRETIONARY	023135106	34	10	SH		DFND		10	0	0
AMERICAN ELEC PWR INC	UTILITIES	025537101	15	177	SH		SOLE		177	0	0
AMERICAN EXPRESS	FINANCIALS	025816109	248	1,430	SH		SOLE		1,393	0	37
AMERICAN EXPRESS	FINANCIALS	025816109	52	300	SH		DFND		0	300	0
AMERICAN TOWER CORPORATION	COMMUNICATION SERVICES	03027X100	997	3,535	SH		SOLE		3,535	0	0
AMERICAN WATER WORKS INC.	CONSUMER DISCRETIONARY	030420103	5	30	SH		SOLE		30	0	0
AMERIPRISE FINANCIAL INC.	FINANCIALS	03076C106	1	4	SH		SOLE		4	0	0
AMGEN INCORPORATED	HEALTHCARE	031162100	334	1,613	SH		SOLE		1,613	0	0
AMGEN INCORPORATED	HEALTHCARE	031162100	25	120	SH		DFND		120	0	0
AMPHENOL CORPORATION-CL A	INFORMATION TECHNOLOGY	032095101	19	250	SH		SOLE		250	0	0
ANIXA BIOSCIENCES INC.	HEALTHCARE	03528H109	33	7,000	SH		SOLE		7,000	0	0
APPIAN CORPORATION	INFORMATION TECHNOLOGY	03782L101	28	280	SH		SOLE		280	0	0
APPLE INC	INFORMATION TECHNOLOGY	037833100	11,091	74,037	SH		SOLE		72,557	1,400	80
APPLE INC	INFORMATION TECHNOLOGY	037833100	407	2,720	SH		DFND		2,560	160	0
APPLE HOSPITALTIY REIT INC COMMON SHARES	REAL ESTATE	03784Y200	3	161	SH		SOLE		161	0	0
APPLIED MATL INC	INFORMATION TECHNOLOGY	038222105	736	5,384	SH		SOLE		5,384	0	0
ARISTA NETWORKS INC.	INFORMATION TECHNOLOGY	040413106	25	60	SH		SOLE		60	0	0
ARROW FINANCIAL CORPORATION	FINANCIALS	042744102	631	17,606	SH		SOLE		17,606	0	0
ASTRAZENECA PLC - ADR	HEALTHCARE	046353108	26	420	SH		SOLE		420	0	0
AUTOMATIC DATA PROCESSING INC	INFORMATION TECHNOLOGY	053015103	811	3,613	SH		SOLE		3,313	300	0
AUTOMATIC DATA PROCESSING INC	INFORMATION TECHNOLOGY	053015103	388	1,730	SH		DFND		800	930	0
AXON ENTERPRISE INC COM	INDUSTRIALS	05464C101	45	250	SH		SOLE		250	0	0
BP P.L.C.	ENERGY	055622104	79	2,750	SH		SOLE		2,750	0	0
BP PRUDHOE BAY ROYALTY TRUST	ENERGY	055630107	0	100	SH		SOLE		100	0	0
BAIDU INC - SPON ADR	INFORMATION TECHNOLOGY	056752108	2	12	SH		SOLE		12	0	0
BALCHEM CORPORATION	MATERIALS	057665200	19	125	SH		SOLE		125	0	0
BALL CORPORATION	MATERIALS	058498106	15	160	SH		SOLE		160	0	0
BANDWIDTH INC	INFORMATION TECHNOLOGY	05988J103	11	130	SH		SOLE		130	0	0
BANK OF AMERICA CORP	FINANCIALS	060505104	818	17,116	SH		SOLE		17,116	0	0
BANK OF NEW YORK MELLON CORP	FINANCIALS	064058100	48	810	SH		SOLE		810	0	0
BAOUZUN INC-SPN ADR	FOREIGN EQUITIES	06684L103	1	75	SH		SOLE		75	0	0
BARRICK GOLD CORP	MATERIALS	067901108	2	135	SH		SOLE		135	0	0
BAXTER INTERNATIONAL INC.	HEALTHCARE	071813109	79	1,000	SH		SOLE		1,000	0	0
BECTON DICKINSON & CO	HEALTHCARE	075887109	590	2,461	SH		SOLE		2,226	235	0
BERKSHIRE HATHAWAY INC. DEL CLASS B	FINANCIALS	084670702	2,518	8,772	SH		SOLE		8,772	0	0
BERKSHIRE HATHAWAY INC. DEL CLASS B	FINANCIALS	084670702	35	122	SH		DFND		0	122	0
BEYOND MEAT INC COM	CONSUMER DISCRETIONARY	08862E109	1	10	SH		SOLE		10	0	0
BIOGEN INC	HEALTHCARE	09062X103	3	13	SH		SOLE		13	0	0
BLACKROCK INC	FINANCIALS	09247X101	1,222	1,295	SH		SOLE		1,295	0	0
BLACKROCK INC	FINANCIALS	09247X101	14	15	SH		DFND		0	15	0
BLOOM ENERGY CORP COM CL A	ENERGY	093712107	6	200	SH		SOLE		200	0	0
BOEING	INDUSTRIALS	097023105	556	2,687	SH		SOLE		2,632	30	25
BOEING	INDUSTRIALS	097023105	96	465	SH		DFND		50	415	0
BRISTOL MYERS SQUIBB CO	HEALTHCARE	110122108	1,429	24,464	SH		SOLE		22,464	2,000	0
BRISTOL MYERS SQUIBB CO	HEALTHCARE	110122108	257	4,405	SH		DFND		3,000	1,405	0
BROADRIDGE FINANCIAL SOLUTIONS LLC	FINANCIALS	11133T103	18	100	SH		SOLE		100	0	0
CBOE GLOBAL MARKETS, INC.	FINANCIALS	12503M108	13	100	SH		SOLE		100	0	0
CME GROUP INC.	FINANCIALS	12572Q105	5	23	SH		SOLE		23	0	0
CSX CORPORATION	INDUSTRIALS	126408103	842	23,280	SH		SOLE		23,280	0	0
CSX CORPORATION	INDUSTRIALS	126408103	130	3,600	SH		DFND		3,600	0	0
CVS HEALTH CORP	CONSUMER STAPLES	126650100	951	10,654	SH		SOLE		10,654	0	0
CANADIAN NATIONAL RAILWAY CO	FOREIGN EQUITIES	136375102	5	40	SH		SOLE		40	0	0
CANADIAN PACIFIC RAILWAY LTD	FOREIGN EQUITIES	13645T100	67	865	SH		SOLE		865	0	0
CANADIAN SOLAR INC COM	ENERGY	136635109	42	1,000	SH		SOLE		1,000	0	0
CAPITAL ONE FINANCIAL CORP	FINANCIALS	14040H105	14	90	SH		SOLE		90	0	0
CARGURUS INC COM CL A	CONSUMER DISCRETIONARY	141788109	34	1,000	SH		SOLE		1,000	0	0
CARLISLE COMPANIES INC	INDUSTRIALS	142339100	2	60	SH		SOLE		60	0	0
CARRIER GLOBAL CORPORATION	INDUSTRIALS	14448C104	292	5,583	SH		SOLE		4,883	700	0
CARRIER GLOBAL CORPORATION	INDUSTRIALS	14448C104	66	1,265	SH		DFND		655	610	0
CASEY'S GENERAL STORES INC	CONSUMER DISCRETIONARY	147528103	13	70	SH		SOLE		70	0	0
CATERPILLAR INC	INDUSTRIALS	149123101	1,467	7,192	SH		SOLE		7,097	70	25
CATERPILLAR INC	INDUSTRIALS	149123101	379	1,860	SH		DFND		1,325	535	0
CENOVUS ENERGY INC.	ENERGY	15135U109	0	25	SH		SOLE		25	0	0
CENTERPOINT ENERGY, INC	UTILITIES	15189T107	31	1,200	SH		SOLE		1,200	0	0
CENTERPOINT ENERGY, INC	UTILITIES	15189T107	104	4,000	SH		DFND		4,000	0	0
CHEGG INC COM	CONSUMER DISCRETIONARY	163092109	15	250	SH		SOLE		250	0	0
CHEVRON CORPORATION	ENERGY	166764100	1,487	12,990	SH		SOLE		12,572	418	0
CHEVRON CORPORATION	ENERGY	166764100	207	1,810	SH		DFND		1,195	615	0
CHURCH & DWIGHT CO., INC.	HEALTHCARE	171340102	11	128	SH		SOLE		128	0	0
CISCO SYSTEMS INC.	INFORMATION TECHNOLOGY	17275R102	1,685	30,104	SH		SOLE		29,539	500	65
CISCO SYSTEMS INC.	INFORMATION TECHNOLOGY	17275R102	73	1,305	SH		DFND		30	1,275	0
CIRRUS LOGIC INC	INFORMATION TECHNOLOGY	172755100	8	100	SH		SOLE		100	0	0
CITIGROUP INC.	FINANCIALS	172967424	182	2,635	SH		SOLE		2,635	0	0
CLOROX COMPANY	CONSUMER STAPLES	189054109	73	445	SH		SOLE		445	0	0
CLOROX COMPANY	CONSUMER STAPLES	189054109	33	200	SH		DFND		0	200	0
CLOUDFLARE INC CL A COM	INFORMATION TECHNOLOGY	18915M107	34	175	SH		SOLE		175	0	0
COCA COLA CO	CONSUMER STAPLES	191216100	1,272	22,566	SH		SOLE		20,011	2,555	0
COCA COLA CO	CONSUMER STAPLES	191216100	257	4,565	SH		DFND		3,430	1,135	0
COGNIZANT TECHNOLOGY SOLUTIONS CORP	INFORMATION TECHNOLOGY	192446102	14	180	SH		SOLE		180	0	0
COLGATE PALMOLIVE	CONSUMER STAPLES	194162103	731	9,599	SH		SOLE		9,564	0	35
COLGATE PALMOLIVE	CONSUMER STAPLES	194162103	121	1,594	SH		DFND		1,374	220	0
COMCAST CORP NEW CL A	CONSUMER DISCRETIONARY	20030N101	247	4,811	SH		SOLE		4,811	0	0
CONOCOPHILLIPS	ENERGY	20825C104	206	2,760	SH		SOLE		2,760	0	0
CONOCOPHILLIPS	ENERGY	20825C104	10	140	SH		DFND		20	120	0
CONSOLIDATED EDISON INC	UTILITIES	209115104	35	460	SH		SOLE		460	0	0
CORNING INC	INFORMATION TECHNOLOGY	219350105	441	12,405	SH		SOLE		12,405	0	0
COSTCO WHSL CORP NEW	CONSUMER STAPLES	22160K105	732	1,490	SH		SOLE		1,490	0	0
COUPA SOFTWARE INC COM	INFORMATION TECHNOLOGY	22266L106	23	100	SH		SOLE		100	0	0
CRONOS GROUP, INC.	CONSUMER DISCRETIONARY	22717L101	1	110	SH		SOLE		110	0	0
CROSSAMERICA PARTNERS LP	ENERGY	22758A105	123	5,500	SH		SOLE		5,500	0	0
CUMMINS INC	INDUSTRIALS	231021106	167	695	SH		SOLE		695	0	0
CUMMINS INC	INDUSTRIALS	231021106	26	110	SH		DFND		110	0	0
DNP SELECT INCOME FUND INC	FIXED INCOME	23325P104	16	1,500	SH		SOLE		1,500	0	0
D R HORTON INC	CONSUMER DISCRETIONARY	23331A109	17	190	SH		SOLE		190	0	0
DTE ENERGY CO	UTILITIES	233331107	36	315	SH		SOLE		315	0	0
DANAHER CORP	HEALTHCARE	235851102	1,057	3,391	SH		SOLE		3,391	0	0
DANAHER CORP	HEALTHCARE	235851102	260	833	SH		DFND		500	333	0
DATADOG INC CLASS A	INFORMATION TECHNOLOGY	23804L103	71	425	SH		SOLE		425	0	0
DEERE & CO (JOHN DEERE)	INDUSTRIALS	244199105	496	1,450	SH		SOLE		1,240	210	0
DELTA AIR LINES INC	CONSUMER DISCRETIONARY	247361702	30	775	SH		SOLE		775	0	0
DENTSPLY SIRONA INC	CONSUMER DISCRETIONARY	24906P109	7	120	SH		SOLE		120	0	0
DIAGEO PLC	CONSUMER DISCRETIONARY	25243Q205	27	134	SH		SOLE		134	0	0
DIAMONDBACK ENERGY INC.	ENERGY	25278X109	1	10	SH		SOLE		10	0	0
DIGITALOCEAN HLDGS INC COM	INFORMATION TECHNOLOGY	25402D102	12	118	SH		SOLE		118	0	0
DISNEY (WALT) COMPANY HOLDING CO	CONSUMER DISCRETIONARY	254687106	2,067	12,223	SH		SOLE		12,198	0	25
DISNEY (WALT) COMPANY HOLDING CO	CONSUMER DISCRETIONARY	254687106	221	1,308	SH		DFND		220	1,088	0
DISCOVER FINANCIAL SERVICES	FINANCIALS	254709108	50	440	SH		SOLE		440	0	0
DOCUSIGN INC	INFORMATION TECHNOLOGY	256163106	65	235	SH		SOLE		235	0	0
DOLLAR GENERAL CORP	CONSUMER DISCRETIONARY	256677105	27	120	SH		SOLE		120	0	0
DOLLAR TREE, INC.	CONSUMER DISCRETIONARY	256746108	22	200	SH		SOLE		200	0	0
DOMINION ENERGY, INC.	UTILITIES	25746U109	261	3,439	SH		SOLE		3,349	90	0
DOMINION ENERGY, INC.	UTILITIES	25746U109	48	635	SH		DFND		635	0	0
DOMINO'S PIZZA INC	CONSUMER DISCRETIONARY	25754A201	32	65	SH		SOLE		65	0	0
DOW INC.	MATERIALS	260557103	141	2,525	SH		SOLE		1,858	667	0
DOW INC.	MATERIALS	260557103	5	85	SH		DFND		0	85	0
DUKE ENERGY CORPORATION NEW	ENERGY	26441C204	172	1,687	SH		SOLE		1,687	0	0
EBAY INC	CONSUMER DISCRETIONARY	278642103	19	242	SH		SOLE		242	0	0
EDISON INTERNATIONAL	UTILITIES	281020107	1	10	SH		SOLE		10	0	0
ELECTRONIC ARTS INC	INFORMATION TECHNOLOGY	285512109	8	55	SH		SOLE		55	0	0
EMERSON ELECTRIC	INDUSTRIALS	291011104	391	4,028	SH		SOLE		2,548	1,480	0
EMERSON ELECTRIC	INDUSTRIALS	291011104	215	2,215	SH		DFND		500	1,715	0
ENBRIDGE INC	ENERGY	29250N105	43	1,023	SH		SOLE		1,023	0	0
ENERGY TRANSFER LP COM UT LTD PTN	ENERGY	29273V100	6	582	SH		SOLE		582	0	0
ENTERGY CORPORATION	UTILITIES	29364G103	82	800	SH		DFND		800	0	0
ENTERPRISE PRODUCTS PARTNERS L.P.	ENERGY	293792107	159	7,011	SH		SOLE		7,011	0	0
ENVIVA PARTNERS LP	ENERGY	29414J107	134	2,000	SH		SOLE		2,000	0	0
EQUITY RESIDENTIAL SHARES OF BENEFICIAL INT	FINANCIALS	29476L107	4	50	SH		SOLE		50	0	0
ESPEY MFG. & ELECTRONICS CORP	INDUSTRIALS	296650104	87	5,747	SH		SOLE		5,747	0	0
ESPEY MFG. & ELECTRONICS CORP	INDUSTRIALS	296650104	3	200	SH		DFND		100	0	100
ETSY INC	CONSUMER DISCRETIONARY	29786A106	49	195	SH		SOLE		195	0	0
EXACT SCIENCES CORP COM	HEALTHCARE	30063P105	21	225	SH		SOLE		225	0	0
EXELON CORP	UTILITIES	30161N101	35	665	SH		SOLE		390	275	0
EXELON CORP	UTILITIES	30161N101	58	1,090	SH		DFND		1,090	0	0
EXXON MOBIL CORP	ENERGY	30231G102	1,022	15,848	SH		SOLE		10,718	5,130	0
EXXON MOBIL CORP	ENERGY	30231G102	325	5,038	SH		DFND		1,984	3,054	0
FACEBOOK INC	INFORMATION TECHNOLOGY	30303M102	1,869	5,775	SH		SOLE		5,670	105	0
FACEBOOK INC	INFORMATION TECHNOLOGY	30303M102	23	70	SH		DFND		70	0	0
FAIR ISAAC CORPORATION	INFORMATION TECHNOLOGY	303250104	6	15	SH		SOLE		15	0	0
FASTLY INC CLASS A	INFORMATION TECHNOLOGY	31188V100	16	310	SH		SOLE		310	0	0
FEDEX CORPORATION	INDUSTRIALS	31428X106	122	520	SH		SOLE		520	0	0
FEDEX CORPORATION	INDUSTRIALS	31428X106	29	125	SH		DFND		125	0	0
FIDELITY MSCI INFORMATION TECHNOLOGY INDEX ETF	INFORMATION TECHNOLOGY	316092808	317	2,475	SH		SOLE		2,475	0	0
FIFTH THIRD BANCORP	FINANCIALS	316773100	29	675	SH		SOLE		675	0	0
FIRST TRUST NASDAQ CLEAN EDGE GREEN ENERGY ETF	Exchange Traded Funds - Equity	33733E500	122	1,571	SH		SOLE		1,571	0	0
FIRST TRUST NEW OPPORTUNITIES MLP	ENERGY	33739M100	7	1,260	SH		SOLE		1,260	0	0
FIRSTENERGY CORP	UTILITIES	337932107	2	55	SH		SOLE		55	0	0
FORD MOTOR CO DEL	CONSUMER DISCRETIONARY	345370860	105	6,150	SH		SOLE		6,150	0	0
FORD MOTOR CO DEL	CONSUMER DISCRETIONARY	345370860	15	900	SH		DFND		0	900	0
FORTIVE CORPORATION	INFORMATION TECHNOLOGY	34959J108	22	287	SH		DFND		100	187	0
FRANKLIN RESOURCES, INC.	FINANCIALS	354613101	5	150	SH		SOLE		150	0	0
FREEPORT-MCMORAN COPPER & GOLD CLASS B	MATERIALS	35671D857	22	575	SH		SOLE		575	0	0
FRESHPET INC	CONSUMER STAPLES	358039105	12	75	SH		SOLE		75	0	0
FULGENT GENETICS INC.	HEALTHCARE	359664109	56	670	SH		SOLE		670	0	0
GATX CORPORATION	INDUSTRIALS	361448103	4	115	SH		SOLE		115	0	0
GAMESTOP CORP NEW CL A	CONSUMER DISCRETIONARY	36467W109	1	3	SH		SOLE		3	0	0
GENERAL DYNAMICS CORPORATION	INDUSTRIALS	369550108	525	2,589	SH		SOLE		2,589	0	0
GENERAL DYNAMICS CORPORATION	INDUSTRIALS	369550108	13	65	SH		DFND		65	0	0
GENERAL MILLS, INC	CONSUMER STAPLES	370334104	101	1,630	SH		SOLE		1,030	600	0
GENERAL MILLS, INC	CONSUMER STAPLES	370334104	87	1,400	SH		DFND		1,400	0	0
GILEAD SCIENCES, INC.	HEALTHCARE	375558103	173	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	24	1,100	SH		SOLE		1,100	0	0
GLAXO SMITHKLINE PLC SPON ADR	HEALTHCARE	37733W105	24	570	SH		SOLE		570	0	0
GLAXO SMITHKLINE PLC SPON ADR	HEALTHCARE	37733W105	17	400	SH		DFND		400	0	0
GLOBAL PAYMENTS INC.	INDUSTRIALS	37940X102	19	130	SH		SOLE		130	0	0
GORMAN RUPP CO	INDUSTRIALS	383082104	5	125	SH		SOLE		125	0	0
GROWGENERATION CORP COM	CONSUMER STAPLES	39986L109	1	25	SH		SOLE		25	0	0
GUARDANT HEALTH INC.	HEALTHCARE	40131M109	13	115	SH		SOLE		115	0	0
HSBC HOLDINGS PLC SPONS ADRS	FINANCIALS	404280406	18	607	SH		SOLE		607	0	0
HALLIBURTON COMPANY	ENERGY	406216101	2	90	SH		SOLE		90	0	0
HARLEY DAVIDSON	CONSUMER DISCRETIONARY	412822108	11	310	SH		SOLE		310	0	0
HELMERICH & PAYNE, INC.	ENERGY	423452101	2	60	SH		SOLE		60	0	0
THE HERSHEY COMPANY	CONSUMER STAPLES	427866108	21	120	SH		SOLE		120	0	0
HEXO CORP COM NEW	FOREIGN EQUITIES	428304307	0	170	SH		SOLE		170	0	0
HOME DEPOT INC	CONSUMER DISCRETIONARY	437076102	3,065	8,246	SH		SOLE		7,221	1,025	0
HOME DEPOT INC	CONSUMER DISCRETIONARY	437076102	587	1,580	SH		DFND		800	780	0
HONEYWELL INTERNATIONAL INC	INDUSTRIALS	438516106	569	2,601	SH		SOLE		2,601	0	0
HUBSPOT INC.	INFORMATION TECHNOLOGY	443573100	130	160	SH		SOLE		160	0	0
ILLINOIS TOOL WORKS INC.	INDUSTRIALS	452308109	223	977	SH		SOLE		977	0	0
INTEL CORP	INFORMATION TECHNOLOGY	458140100	2,328	47,512	SH		SOLE		44,597	2,850	65
INTEL CORP	INFORMATION TECHNOLOGY	458140100	390	7,964	SH		DFND		5,649	2,315	0
INTERACTIVE BROKERS GRO-CL A	FINANCIALS	45841N107	18	250	SH		SOLE		250	0	0
INTERCONTINENTAL EXCHANGE INCOM	FINANCIALS	45866F104	3	25	SH		SOLE		25	0	0
INTL BUSINESS MACHINES	INFORMATION TECHNOLOGY	459200101	567	4,532	SH		SOLE		4,452	80	0
INTL BUSINESS MACHINES	INFORMATION TECHNOLOGY	459200101	184	1,472	SH		DFND		500	972	0
INTERNATIONAL PAPER CO	MATERIALS	460146103	209	4,200	SH		SOLE		4,165	0	35
INTUITIVE SURGICAL INC	HEALTHCARE	46120E602	30	84	SH		SOLE		84	0	0
INVESCO GLOBAL WATER ETF	Exchange Traded Funds - Equity	46138E651	63	1,500	SH		SOLE		1,500	0	0
INVITAE CORP COM	HEALTHCARE	46185L103	3	125	SH		SOLE		125	0	0
IQIYI, INC. - ADR	INFORMATION TECHNOLOGY	46267X108	1	100	SH		SOLE		100	0	0
IROBOT CORPORATION	INDUSTRIALS	462726100	3	30	SH		SOLE		30	0	0
ETF ISHARES SILVER TR	MUTUAL FUND	46428Q109	84	3,810	SH		SOLE		3,810	0	0
ISHARES MSCI AUSTRALIA ETF	MUTUAL FUND	464286103	8	300	SH		DFND		300	0	0
ISHARES MSCI CANADA ETF	MUTUAL FUND	464286509	10	250	SH		DFND		250	0	0
ISHARES S & P 100 ETF	MUTUAL FUND	464287101	1,561	7,355	SH		SOLE		7,355	0	0
ISHARES SELECT DIVIDEND ETF	MUTUAL FUND	464287168	53	450	SH		SOLE		450	0	0
ISHARES TIPS BOND ETF	FIXED INCOME	464287176	6,645	51,645	SH		SOLE		51,160	0	485
ISHARES TIPS BOND ETF	FIXED INCOME	464287176	885	6,877	SH		DFND		5,985	892	0
ISHARES CHINA LARGE CAP ETF	MUTUAL FUND	464287184	5	115	SH		DFND		0	115	0
ISHARES CORE S&P 500 ETF	Exchange Traded Funds - Equity	464287200	53	114	SH		SOLE		114	0	0
ISHARES CORE TOTAL US AGGREGATE BOND ETF-W	FIXED INCOME	46428722W	1,900	16,575	SH		SOLE		16,575	0	0
ISHARES CORE TOTAL US AGGREGATE BOND ETF	FIXED INCOME	464287226	6,554	57,171	SH		SOLE		57,171	0	0
ISHARES MSCI EMERGING MARKETS ETF	Exchange Traded Funds - Equity	464287234	17	340	SH		SOLE		340	0	0
ISHARES MSCI EAFE ETF FUND	MUTUAL FUND	464287465	800	9,940	SH		SOLE		9,940	0	0
ISHARES MSCI EAFE ETF FUND	MUTUAL FUND	464287465	38	470	SH		DFND		0	470	0
ISHARES RUSSELL MIDCAP ETF	Exchange Traded Funds - Equity	464287499	266	3,211	SH		SOLE		3,211	0	0
ISHARES CORE S&P MID CAP ETF	Exchange Traded Funds - Equity	464287507	551	1,979	SH		SOLE		1,979	0	0
ISHARES COHEN & STEERS REIT ETF	Exchange Traded Funds - Equity	464287564	11	156	SH		SOLE		156	0	0
ISHARES RUSSELL 1000 VALUE INDEX FUND	MUTUAL FUND	464287598	88	536	SH		SOLE		536	0	0
ISHARES RUSSELL 1000 GROWTH ETF	MUTUAL FUND	464287614	1,784	5,988	SH		SOLE		5,988	0	0
ISHARES RUSSELL 2000 GROWTH ETF	Exchange Traded Funds - Equity	464287648	465	1,512	SH		SOLE		1,512	0	0
ISHARES RUSSELL 2000 ETF	Exchange Traded Funds - Equity	464287655	194	852	SH		SOLE		852	0	0
ISHARES CORE S&P SMALL-CAP ETF	MUTUAL FUND	464287804	4,167	36,860	SH		SOLE		36,780	0	80
ISHARES CORE S&P SMALL-CAP ETF	MUTUAL FUND	464287804	173	1,533	SH		DFND		540	993	0
ETF ISHARES GLOBAL CLEAN ENERGY	Exchange Traded Funds - Equity	464288224	124	4,895	SH		SOLE		4,895	0	0
ISHARES MSCI KLD 400 SOCIAL	MUTUAL FUND	464288570	60	660	SH		SOLE		660	0	0
ISHARES DOW JONES US HOME CONSTRUCTION INDEX	Exchange Traded Funds - Equity	464288752	38	525	SH		SOLE		525	0	0
ISHARES MSCI USA ESG SELECT	MUTUAL FUND	464288802	124	1,200	SH		SOLE		1,200	0	0
ISHARES MSCI EAFE GROWTH ETF	Exchange Traded Funds - Equity	464288885	5	43	SH		SOLE		43	0	0
ISHARES CORE MSCI EMERGING MARKET ETF	Exchange Traded Funds - Equity	46434G103	13	205	SH		SOLE		205	0	0
ISHARES MSCI SINGAPORE ETF	Exchange Traded Funds - Equity	46434G780	6	264	SH		DFND		264	0	0
JPMORGAN CHASE & CO COM	FINANCIALS	46625H100	3,420	20,129	SH		SOLE		19,039	1,065	25
JPMORGAN CHASE & CO COM	FINANCIALS	46625H100	166	975	SH		DFND		945	30	0
JACOBS ENGINERRING GROUP	CONSUMER DISCRETIONARY	469814107	12	85	SH		SOLE		85	0	0
JD.COM INC.-ADR	CONSUMER DISCRETIONARY	47215P106	5	70	SH		SOLE		70	0	0
JINKOSOLAR HOLDING COMPANY LTD	ENERGY	47759T100	1	25	SH		SOLE		25	0	0
JOHN HANCOCK MULTIFACTOR SMALL CAP ETF	Exchange Traded Funds - Equity	47804J842	12	343	SH		SOLE		343	0	0
JOHNSON & JOHNSON	HEALTHCARE	478160104	3,510	21,547	SH		SOLE		20,367	1,150	30
JOHNSON & JOHNSON	HEALTHCARE	478160104	560	3,440	SH		DFND		1,385	2,055	0
KELLOGG COMPANY	CONSUMER STAPLES	487836108	12	200	SH		DFND		200	0	0
KEYCORP NEW COM	FINANCIALS	493267108	13	542	SH		SOLE		542	0	0
KIMBERLY CLARK	CONSUMER STAPLES	494368103	274	2,115	SH		SOLE		2,045	70	0
KIMBERLY CLARK	CONSUMER STAPLES	494368103	129	1,000	SH		DFND		1,000	0	0
LAM RESEARCH CORP COMMON	HEALTHCARE	512807108	14	25	SH		SOLE		25	0	0
ELI LILLY & CO	HEALTHCARE	532457108	874	3,430	SH		SOLE		3,430	0	0
ELI LILLY & CO	HEALTHCARE	532457108	534	2,095	SH		DFND		1,950	145	0
LITTELFUSE INC	INFORMATION TECHNOLOGY	537008104	15	50	SH		SOLE		50	0	0
LOCKHEED MARTIN CORP	INDUSTRIALS	539830109	1,664	5,008	SH		SOLE		4,688	320	0
LOCKHEED MARTIN CORP	INDUSTRIALS	539830109	296	890	SH		DFND		890	0	0
LOWES COMPANIES INC	CONSUMER DISCRETIONARY	548661107	633	2,708	SH		SOLE		2,633	0	75
LOWES COMPANIES INC	CONSUMER DISCRETIONARY	548661107	56	240	SH		DFND		240	0	0
LULULEMON ATHLETICA INC	CONSUMER DISCRETIONARY	550021109	19	40	SH		SOLE		40	0	0
MPLX LP	ENERGY	55336V100	111	3,700	SH		SOLE		3,700	0	0
MANULIFE FINANCIAL	FINANCIALS	56501R106	13	645	SH		SOLE		645	0	0
MARATHON PETROLEUM CORPORATION	ENERGY	56585A102	76	1,150	SH		SOLE		1,150	0	0
MARKEL CORP HOLDING COMPANY	FINANCIALS	570535104	13	10	SH		SOLE		10	0	0
MARRIOTT INTERNATIONAL INC. CLASS A	CONSUMER DISCRETIONARY	571903202	10	65	SH		SOLE		65	0	0
MASIMO CORPORATION	HEALTHCARE	574795100	3	12	SH		SOLE		12	0	0
MASTERCARD INC - CLASS A	INFORMATION TECHNOLOGY	57636Q104	241	718	SH		SOLE		653	65	0
MCCORMICK & CO.	CONSUMER STAPLES	579780206	128	1,600	SH		SOLE		200	1,400	0
MCDONALDS CORP	CONSUMER DISCRETIONARY	580135101	2,335	9,508	SH		SOLE		8,708	785	15
MCDONALDS CORP	CONSUMER DISCRETIONARY	580135101	625	2,547	SH		DFND		1,200	1,347	0
MCKESSON CORPORATION	HEALTHCARE	58155Q103	80	385	SH		SOLE		385	0	0
MERCADOLIBRE INC	INFORMATION TECHNOLOGY	58733R102	30	20	SH		SOLE		20	0	0
MERCK & CO., INC	HEALTHCARE	58933Y105	648	7,358	SH		SOLE		6,938	420	0
MERCK & CO., INC	HEALTHCARE	58933Y105	132	1,500	SH		DFND		1,500	0	0
METLIFE INC	FINANCIALS	59156R108	830	13,216	SH		SOLE		13,186	0	30
MICROSOFT CORP	INFORMATION TECHNOLOGY	594918104	7,576	22,847	SH		SOLE		21,397	1,450	0
MICROSOFT CORP	INFORMATION TECHNOLOGY	594918104	711	2,145	SH		DFND		1,355	790	0
HERMAN MILLER INC.	CONSUMER DISCRETIONARY	600544100	3	85	SH		SOLE		85	0	0
MONDELEZ INTERNATIONAL INC	CONSUMER STAPLES	609207105	126	2,076	SH		SOLE		1,076	1,000	0
MONGODB, INC.	INFORMATION TECHNOLOGY	60937P106	46	88	SH		SOLE		88	0	0
MORGAN STANLEY	FINANCIALS	617446448	433	4,215	SH		SOLE		4,215	0	0
NIO INC SPON ADS	CONSUMER DISCRETIONARY	62914V106	22	570	SH		SOLE		570	0	0
NASDAQ STOCK MARKET INC	FINANCIALS	631103108	10	50	SH		SOLE		50	0	0
NETAPP, INC.	INFORMATION TECHNOLOGY	64110D104	9	100	SH		SOLE		100	0	0
NETFLIX INC	INFORMATION TECHNOLOGY	64110L106	707	1,024	SH		SOLE		1,024	0	0
NEW JERSEY RESOURCES CORP	UTILITIES	646025106	34	912	SH		SOLE		912	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 CORPORATION	MATERIALS	651639106	80	1,482	SH		SOLE		1,482	0	0
NEXTERA ENERGY INC	UTILITIES	65339F101	2,591	30,369	SH		SOLE		29,169	1,200	0
NEXTERA ENERGY INC	UTILITIES	65339F101	265	3,110	SH		DFND		2,550	560	0
NICE LTD - AMERICAN DEPOSITORY SHARES	INFORMATION TECHNOLOGY	653656108	8	30	SH		SOLE		30	0	0
NIKE, INC	CONSUMER DISCRETIONARY	654106103	1,018	6,083	SH		SOLE		6,083	0	0
NIKOLA CORPORATION	INDUSTRIALS	654110105	6	550	SH		SOLE		550	0	0
NORTHROP GRUMMAN CORP	INDUSTRIALS	666807102	460	1,287	SH		SOLE		1,287	0	0
NOVARTIS AG - ADR	FOREIGN EQUITIES	66987V109	11	130	SH		SOLE		0	130	0
NOVAVAX INC	HEALTHCARE	670002401	34	231	SH		SOLE		231	0	0
NUCOR	MATERIALS	670346105	174	1,560	SH		SOLE		960	600	0
NUCOR	MATERIALS	670346105	89	800	SH		DFND		800	0	0
NUVEEN N Y SELECT TAX FREE ISH BEN INT	ETF's - Fixed Income	67063V104	5	347	SH		SOLE		347	0	0
NVIDIA CORP.	INFORMATION TECHNOLOGY	67066G104	3,382	13,227	SH		SOLE		13,227	0	0
NUSHARES ETF TR NUVEEN ESG SMLCP	Exchange Traded Funds - Equity	67092P607	385	8,500	SH		SOLE		8,500	0	0
OAKTREE SPECIALTY LENDING COCOM	FINANCIALS	67401P108	14	1,909	SH		SOLE		1,909	0	0
ORACLE CORPORATION	INFORMATION TECHNOLOGY	68389X105	557	5,803	SH		SOLE		5,803	0	0
ORACLE CORPORATION	INFORMATION TECHNOLOGY	68389X105	16	170	SH		DFND		0	170	0
OTIS WORLDWIDE CORPORATION	INDUSTRIALS	68902V107	220	2,737	SH		SOLE		2,387	350	0
OTIS WORLDWIDE CORPORATION	INDUSTRIALS	68902V107	51	632	SH		DFND		327	305	0
P G & E CORP	UTILITIES	69331C108	0	10	SH		SOLE		10	0	0
PNC FINANCIAL SERVICES GROUP INC	FINANCIALS	693475105	72	343	SH		SOLE		343	0	0
PPL CORP	UTILITIES	69351T106	3	100	SH		SOLE		100	0	0
PACIFIC BIOSCIENCES CALIF INCOM	HEALTHCARE	69404D108	3	130	SH		SOLE		130	0	0
PACIRA BIOSCIENCES, INC	HEALTHCARE	695127100	31	600	SH		SOLE		600	0	0
PALO ALTO NETWORKS INC	INFORMATION TECHNOLOGY	697435105	8	15	SH		SOLE		15	0	0
PARKER HANNIFIN CORP	MATERIALS	701094104	12	40	SH		SOLE		40	0	0
PELOTON INTERACTIVE INC CLASS A	CONSUMER DISCRETIONARY	70614W100	37	410	SH		SOLE		410	0	0
PEPSICO INC	CONSUMER STAPLES	713448108	3,052	18,888	SH		SOLE		18,593	295	0
PEPSICO INC	CONSUMER STAPLES	713448108	579	3,580	SH		DFND		1,815	1,765	0
PERKIN ELMER, INC	INFORMATION TECHNOLOGY	714046109	11	65	SH		SOLE		65	0	0
PETMED EXPRESS INC.	HEALTHCARE	716382106	3	100	SH		SOLE		100	0	0
PFIZER INC	HEALTHCARE	717081103	1,572	35,937	SH		SOLE		33,381	2,556	0
PFIZER INC	HEALTHCARE	717081103	184	4,200	SH		DFND		3,800	400	0
PHILIP MORRIS INTERNATIONAL W/I	CONSUMER DISCRETIONARY	718172109	137	1,446	SH		SOLE		1,446	0	0
PHILLIPS 66	ENERGY	718546104	578	7,728	SH		SOLE		7,518	210	0
PHILLIPS 66	ENERGY	718546104	75	997	SH		DFND		895	102	0
PINTEREST INC CL A	COMMUNICATION SERVICES	72352L106	41	915	SH		SOLE		915	0	0
PLAINS ALL AMERICAN PIPELINE	ENERGY	726503105	109	10,800	SH		SOLE		10,800	0	0
PLUG POWER INC.	INFORMATION TECHNOLOGY	72919P202	57	1,490	SH		SOLE		1,490	0	0
POST HOLDINGS INC	CONSUMER STAPLES	737446104	5	50	SH		SOLE		50	0	0
T ROWE PRICE GROUP INC	FINANCIALS	74144T108	43	200	SH		SOLE		200	0	0
PROCTER & GAMBLE CO	CONSUMER STAPLES	742718109	3,705	25,911	SH		SOLE		24,204	1,672	35
PROCTER & GAMBLE CO	CONSUMER STAPLES	742718109	663	4,635	SH		DFND		2,620	2,015	0
PRUDENTIAL FINANCIAL INC	FINANCIALS	744320102	256	2,324	SH		SOLE		2,324	0	0
PUBLIC SERVICE ENTERPRISE GROUP, INC	UTILITIES	744573106	43	672	SH		SOLE		672	0	0
PUBMATIC INC COM CL A	CONSUMER DISCRETIONARY	74467Q103	3	115	SH		SOLE		115	0	0
QUALCOMM INC	INFORMATION TECHNOLOGY	747525103	1,256	9,440	SH		SOLE		9,175	235	30
QUALCOMM INC	INFORMATION TECHNOLOGY	747525103	88	665	SH		DFND		665	0	0
QUANTA SERVICES INC	INDUSTRIALS	74762E102	86	712	SH		SOLE		712	0	0
QUEST DIAGNOSTICS	HEALTHCARE	74834L100	7	50	SH		SOLE		50	0	0
QUIDEL CORP COM	HEALTHCARE	74838J101	13	100	SH		SOLE		100	0	0
REGENERON PHARMACEUTICALS	HEALTHCARE	75886F107	168	262	SH		SOLE		262	0	0
REPLIGEN CORPORATION	HEALTHCARE	759916109	73	250	SH		SOLE		250	0	0
RIO TINTO PLC	MATERIALS	767204100	95	1,500	SH		SOLE		1,500	0	0
ROCHE HOLDING AG	HEALTHCARE	771195104	5	103	SH		SOLE		103	0	0
ROKU INC	CONSUMER DISCRETIONARY	77543R102	29	95	SH		SOLE		95	0	0
ROYAL DUTCH SHELL PLC-ADR	ENERGY	780259107	3	64	SH		SOLE		64	0	0
ROYAL DUTCH SHELL PLC ADR	ENERGY	780259206	22	490	SH		SOLE		490	0	0
SPDR S & P 500 ETF TRUST	MUTUAL FUND	78462F103	20,810	45,313	SH		SOLE		45,313	0	0
SPDR S & P 500 ETF TRUST	MUTUAL FUND	78462F103	742	1,615	SH		DFND		1,020	595	0
SPDR GOLD TRUST	MUTUAL FUND	78463V107	197	1,184	SH		SOLE		1,184	0	0
SPDR LOW CARBON TARGET ETF	Exchange Traded Funds - Equity	78463X194	17	125	SH		SOLE		125	0	0
SPDR PORTFOLIO TIP ETF	ETF's - Fixed Income	78464A656	35	1,131	SH		SOLE		1,131	0	0
SPDR S&P DIVIDEND ETF	Exchange Traded Funds - Equity	78464A763	339	2,755	SH		SOLE		2,755	0	0
ETF SPDR S&P BIOTECH	HEALTHCARE	78464A870	832	6,665	SH		SOLE		6,665	0	0
S&P MIDCAP 400 DEPOSITORY RECEIPTS ETF -W	MUTUAL FUND	78467Y10W	101	198	SH		SOLE		198	0	0
S & P MIDCAP 400 DEPOSITORY RECEIPTS ETF	MUTUAL FUND	78467Y107	6,452	12,673	SH		SOLE		12,621	0	52
S & P MIDCAP 400 DEPOSITORY RECEIPTS ETF	MUTUAL FUND	78467Y107	297	583	SH		DFND		230	353	0
SPDR SER TR S&P KENSHO SMART	Exchange Traded Funds - Equity	78468R689	2	35	SH		SOLE		35	0	0
SPDR SER TR S&P KENSHO SMART	Exchange Traded Funds - Equity	78468R689	13	225	SH		DFND		0	225	0
SPDR NUVEEN BLOOMBERG BARCLAY MUNICIPAL BOND ETF	ETF's - Fixed Income	78468R721	77	1,500	SH		SOLE		1,500	0	0
SPDR GENDER DIVERSITY INDEX ETF	Exchange Traded Funds - Equity	78468R747	25	235	SH		SOLE		235	0	0
SALESFORCE.COM, INC.	INFORMATION TECHNOLOGY	79466L302	281	938	SH		SOLE		938	0	0
SANOFI ADR	FOREIGN EQUITIES	80105N105	6	120	SH		SOLE		120	0	0
SCHLUMBERGER LTD	ENERGY	806857108	12	363	SH		SOLE		363	0	0
SCHLUMBERGER LTD	ENERGY	806857108	10	300	SH		DFND		0	300	0
SCHWAB U.S. SMALL-CAP ETF	Exchange Traded Funds - Equity	808524607	14	131	SH		SOLE		131	0	0
SCHWAB FUNDAMENTAL EMERGING MARKETS LARGE COMPNY	Exchange Traded Funds - Equity	808524730	7	214	SH		SOLE		214	0	0
SCHWAB FUNDAMENTAL INTERNATIONAL SMALL COMPANY	Exchange Traded Funds - Equity	808524748	8	215	SH		SOLE		215	0	0
SCWAB FUNDAMENTAL INTERNATIONAL LARGE COMPANY	Exchange Traded Funds - Equity	808524755	12	361	SH		SOLE		361	0	0
SCHWAB FUNDAMENTAL U.S. SMALL COMPANY INDEX ETF	Exchange Traded Funds - Equity	808524763	11	205	SH		SOLE		205	0	0
SCHWAB FUNDAMENTAL U.S. LARGE COMPANY INDEX ETF	Exchange Traded Funds - Equity	808524771	22	385	SH		SOLE		385	0	0
SCHWAB INTERNATIONAL EQUITY ETF	Exchange Traded Funds - Equity	808524805	7	178	SH		SOLE		178	0	0
SCHWAB U.S. TIPS ETF	ETF's - Fixed Income	808524870	29	459	SH		SOLE		459	0	0
SEA LTD SPONSORD ADS	COMMUNICATION SERVICES	81141R100	4	12	SH		SOLE		12	0	0
MATERIAL SELECT SECTOR SPDR TRUST	MATERIALS	81369Y100	211	2,475	SH		SOLE		2,475	0	0
CONSUMER STAPLES SELECT SECTOR SPDR FUND	CONSUMER STAPLES	81369Y308	58	816	SH		SOLE		816	0	0
CONSUMER DISCRETIONARY SELE CT SECTOR SPDR FUND	CONSUMER DISCRETIONARY	81369Y407	122	605	SH		SOLE		605	0	0
ENERGY SELECT SECTOR SPDR FUND	ENERGY	81369Y506	28	480	SH		SOLE		480	0	0
FINANCIAL SELECT SECTOR SPDR FUND	FINANCIALS	81369Y605	466	11,580	SH		SOLE		11,580	0	0
INDUSTRIAL SELECT SECTOR SPDR FUND	INDUSTRIALS	81369Y704	29	280	SH		SOLE		280	0	0
TECHNOLOGY SELECT SECT SPDR	INFORMATION TECHNOLOGY	81369Y803	946	5,856	SH		SOLE		5,856	0	0
TECHNOLOGY SELECT SECT SPDR	INFORMATION TECHNOLOGY	81369Y803	73	450	SH		DFND		0	450	0
COMMUNICATION SERVICES SELECT SECTOR SPDR FUND	COMMUNICATION SERVICES	81369Y852	133	1,661	SH		SOLE		1,661	0	0
AMEX UTILITIES SELECT INDEX SHS BEN INT	UTILITIES	81369Y886	196	2,930	SH		SOLE		2,930	0	0
SEMPRA	UTILITIES	816851109	114	895	SH		SOLE		895	0	0
SHERWIN WILLIAMS COMPANY	CONSUMER DISCRETIONARY	824348106	28	90	SH		SOLE		90	0	0
SCHOCKWAVE MEDICAL INC	HEALTHCARE	82489T104	27	127	SH		SOLE		127	0	0
SIEMENS AG	FOREIGN EQUITIES	826197501	26	315	SH		SOLE		315	0	0
SIMON PROPERTY GROUP	REAL ESTATE	828806109	23	156	SH		SOLE		156	0	0
J.M. SMUCKER COMPANY	CONSUMER STAPLES	832696405	203	1,656	SH		SOLE		705	951	0
SNAP-ON INC	CONSUMER DISCRETIONARY	833034101	49	239	SH		SOLE		239	0	0
SONY GROUP CORP	FOREIGN EQUITIES	835699307	21	180	SH		SOLE		180	0	0
SOUTHERN CO	UTILITIES	842587107	628	10,072	SH		SOLE		9,387	685	0
SOUTHERN CO	UTILITIES	842587107	208	3,345	SH		DFND		2,600	745	0
SOUTHWEST AIRLINES	INDUSTRIALS	844741108	22	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	8	50	SH		SOLE		50	0	0
STARBUCKS CORPORATION	CONSUMER DISCRETIONARY	855244109	410	3,870	SH		SOLE		3,870	0	0
STARBUCKS CORPORATION	CONSUMER DISCRETIONARY	855244109	10	92	SH		DFND		0	92	0
STATE STREET CORP. COM	FINANCIALS	857477103	3	31	SH		SOLE		31	0	0
STITCH FIX, INC. - CLASS A	CONSUMER DISCRETIONARY	860897107	7	195	SH		SOLE		195	0	0
STRYKER CORP	HEALTHCARE	863667101	1,002	3,765	SH		SOLE		3,765	0	0
STRYKER CORP	HEALTHCARE	863667101	67	250	SH		DFND		140	110	0
SUNCOR ENERGY INC NEW	FOREIGN EQUITIES	867224107	14	540	SH		SOLE		540	0	0
SUNDIAL GROWERS INC COM	FOREIGN EQUITIES	86730L109	1	1,000	SH		SOLE		1,000	0	0
SYNOPSYS INC	INFORMATION TECHNOLOGY	871607107	7	20	SH		SOLE		20	0	0
SYSCO CORPORATION	CONSUMER STAPLES	871829107	17	220	SH		SOLE		220	0	0
TJX COS INC NEW	CONSUMER DISCRETIONARY	872540109	58	891	SH		SOLE		891	0	0
T-MOBILE US INC	COMMUNICATION SERVICES	872590104	7	60	SH		SOLE		60	0	0
TAKE-TWO INTERACTIVE SOFTWARE, INC.	INFORMATION TECHNOLOGY	874054109	17	95	SH		SOLE		95	0	0
TARGET CORP	CONSUMER DISCRETIONARY	87612E106	891	3,432	SH		SOLE		3,260	130	42
TARGET CORP	CONSUMER DISCRETIONARY	87612E106	363	1,400	SH		DFND		520	880	0
TELADOC HEALTH INC.	HEALTHCARE	87918A105	49	327	SH		SOLE		327	0	0
TESLA MOTORS INC	CONSUMER DISCRETIONARY	88160R101	1,231	1,105	SH		SOLE		1,105	0	0
TEVA PHARMACEUTICAL INDUSTRIES LTD. ADS	HEALTHCARE	881624209	2	200	SH		SOLE		0	0	200
TEXAS INSTRUMENTS	INFORMATION TECHNOLOGY	882508104	79	424	SH		SOLE		424	0	0
TEXTRON INC	INDUSTRIALS	883203101	5	65	SH		SOLE		65	0	0
THE TRADE DESK, INC.	INFORMATION TECHNOLOGY	88339J105	60	800	SH		SOLE		800	0	0
3M CO COM	INDUSTRIALS	88579Y101	431	2,413	SH		SOLE		1,898	515	0
3M CO COM	INDUSTRIALS	88579Y101	140	785	SH		DFND		785	0	0
TILRAY INC COM CL 2	HEALTHCARE	88688T100	1	55	SH		SOLE		55	0	0
TORONTO-DOMINION BANK NEW	FOREIGN EQUITIES	891160509	25	351	SH		SOLE		351	0	0
TOTALENERGIES SE	FOREIGN EQUITIES	89151E109	1	20	SH		SOLE		20	0	0
TOYOTA MOTOR CORP ADR	CONSUMER DISCRETIONARY	892331307	18	100	SH		SOLE		100	0	0
TRAVELERS COS INC	FINANCIALS	89417E109	109	680	SH		SOLE		680	0	0
TWILIO INC. - A	INFORMATION TECHNOLOGY	90138F102	27	93	SH		SOLE		93	0	0
US BANCORP DEL COM NEW	FINANCIALS	902973304	113	1,874	SH		SOLE		1,874	0	0
US BANCORP DEL COM NEW	FINANCIALS	902973304	7	120	SH		DFND		120	0	0
UNILEVER PLC	FOREIGN EQUITIES	904767704	11	205	SH		SOLE		35	170	0
UNION PACIFIC CORP	INDUSTRIALS	907818108	187	774	SH		SOLE		774	0	0
UNITED PARCEL SERVICE	INDUSTRIALS	911312106	438	2,050	SH		SOLE		2,050	0	0
UNITEDHEALTH GROUP INC	HEALTHCARE	91324P102	1,166	2,532	SH		SOLE		2,532	0	0
UNIVERSAL DISPLAY CORP	INFORMATION TECHNOLOGY	91347P105	3	17	SH		SOLE		17	0	0
UNIVERSAL HEALTH SERVICES INC.	HEALTHCARE	913903100	9	75	SH		SOLE		75	0	0
UPSTART HLDGS INC COM	FINANCIALS	91680M107	48	150	SH		SOLE		150	0	0
VAIL RESORTS INC.	CONSUMER DISCRETIONARY	91879Q109	5	15	SH		SOLE		15	0	0
VALERO ENERGY NEW	ENERGY	91913Y100	219	2,836	SH		SOLE		2,721	115	0
VANECK VECTORS GREEN BOND -ETF	ETF's - Fixed Income	92189F171	10	385	SH		SOLE		385	0	0
VANECK VECTORS SEMICONDUCTOR ETF	Exchange Traded Funds - Equity	92189F676	14	50	SH		SOLE		50	0	0
VANGUARD DIVIDEND APPRECIATION INDEX FUND	Exchange Traded Funds - Equity	921908844	103	627	SH		SOLE		627	0	0
ETF VANGUARD TOTAL INTL STOCK	MUTUAL FUND	921909768	1,709	26,260	SH		SOLE		26,260	0	0
VANGUARD SHORT-TERM BOND ETF	ETF's - Fixed Income	921937827	17	207	SH		SOLE		207	0	0
VANGUARD TOTAL BOND MARKET FUND ETF	FIXED INCOME	921937835	576	6,741	SH		SOLE		6,741	0	0
VANGUARD FTSE DEVELOPED MARKET ETF	MUTUAL FUND	921943858	877	16,836	SH		SOLE		16,836	0	0
VANGUARD COMMUNICATION SERVICES ETF	Exchange Traded Funds - Equity	92204A884	10	74	SH		SOLE		74	0	0
VANGUARD FTSE ALL-WLD EX-US SMCP IDX ETF	Exchange Traded Funds - Equity	922042718	4	27	SH		SOLE		27	0	0
VANGUARD MSCI EMERGING MARKETS ETF	MUTUAL FUND	922042858	323	6,381	SH		SOLE		6,381	0	0
VANGUARD MSCI EMERGING MARKETS ETF	MUTUAL FUND	922042858	65	1,285	SH		DFND		910	375	0
ETF VANGUARD RUSSELL 3000	MUTUAL FUND	92206C599	8,261	39,050	SH		SOLE		39,050	0	0
ETF VANGUARD RUSSELL 3000	MUTUAL FUND	92206C599	271	1,280	SH		DFND		1,280	0	0
ETF VANGUARD RUSSELL 2000	MUTUAL FUND	92206C664	644	6,985	SH		SOLE		6,985	0	0
VANGUARD REAL ESTATE ETF	Exchange Traded Funds - Equity	922908553	39	356	SH		SOLE		256	100	0
VANGUARD REAL ESTATE ETF	Exchange Traded Funds - Equity	922908553	21	195	SH		DFND		0	195	0
VANGUARD MID-CAP ETF	Exchange Traded Funds - Equity	922908629	1,514	6,000	SH		SOLE		6,000	0	0
VANGUARD GROWTH ETF	Exchange Traded Funds - Equity	922908736	1,393	4,435	SH		SOLE		4,435	0	0
VANGUARD SMALL CAP ETF	Exchange Traded Funds - Equity	922908751	6	24	SH		SOLE		24	0	0
VANGUARD TOTAL STOCK MARKET ETF	MUTUAL FUND	922908769	1,452	6,127	SH		SOLE		6,127	0	0
VERIZON COMMUNICATIONS INC	COMMUNICATION SERVICES	92343V104	1,765	33,314	SH		SOLE		31,578	1,736	0
VERIZON COMMUNICATIONS INC	COMMUNICATION SERVICES	92343V104	303	5,709	SH		DFND		3,587	2,122	0
VERISK ANALYTICS INC	INDUSTRIALS	92345Y106	22	105	SH		SOLE		105	0	0
VERTEX PHARMACEUTICALS INC	HEALTHCARE	92532F100	11	62	SH		SOLE		62	0	0
VILLAGE FARMS INTL INC COM	FOREIGN EQUITIES	92707Y108	1	90	SH		SOLE		90	0	0
VISA INC - CLASS A SHARES	INFORMATION TECHNOLOGY	92826C839	856	4,043	SH		SOLE		3,943	100	0
VMWARE INC	INFORMATION TECHNOLOGY	928563402	11	75	SH		SOLE		75	0	0
VONTIER CORPORATION	INDUSTRIALS	928881101	3	74	SH		DFND		40	34	0
WALMART INC	CONSUMER STAPLES	931142103	992	6,636	SH		SOLE		6,356	280	0
WALMART INC	CONSUMER STAPLES	931142103	78	525	SH		DFND		525	0	0
WASTE MANAGEMENT INC NEW	INDUSTRIALS	94106L109	1,537	9,595	SH		SOLE		8,640	955	0
WASTE MANAGEMENT INC NEW	INDUSTRIALS	94106L109	210	1,310	SH		DFND		880	430	0
WAYFAIR INC CL A	CONSUMER DISCRETIONARY	94419L101	25	100	SH		SOLE		100	0	0
WELLS FARGO & CO NEW	FINANCIALS	949746101	50	969	SH		SOLE		749	220	0
WELLS FARGO & CO NEW	FINANCIALS	949746101	36	700	SH		DFND		700	0	0
WESTERN DIGITAL CORP	INFORMATION TECHNOLOGY	958102105	19	360	SH		SOLE		360	0	0
WHIRLPOOL CORP	CONSUMER DISCRETIONARY	963320106	23	110	SH		SOLE		110	0	0
THE WILLIAMS CO. INC.	ENERGY	969457100	50	1,784	SH		SOLE		1,784	0	0
WISDOMTREE INVESTMENTS INC	FINANCIALS	97717P104	4	600	SH		SOLE		600	0	0
WORLD FUEL SERVICES CORPORATION	INDUSTRIALS	981475106	10	320	SH		SOLE		320	0	0
XCEL ENERGY INC	UTILITIES	98389B100	5	80	SH		SOLE		80	0	0
YUM BRANDS INC.	CONSUMER DISCRETIONARY	988498101	10	80	SH		SOLE		80	0	0
YUM BRANDS INC.	CONSUMER DISCRETIONARY	988498101	75	600	SH		DFND		0	600	0
ZEBRA TECHNOLOGIES CORP CLASS A	INFORMATION TECHNOLOGY	989207105	43	80	SH		SOLE		80	0	0
ZIMMER HOLDINGS INC.	HEALTHCARE	98956P102	75	521	SH		SOLE		21	500	0
ZOETIS INC	HEALTHCARE	98978V103	5	25	SH		SOLE		25	0	0
ZUORA INC	INFORMATION TECHNOLOGY	98983V106	11	494	SH		SOLE		494	0	0