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
ARCO PLATFORM LIMITED -CLASS A	FOREIGN EQUITIES	G04553106	5	250	SH		SOLE		250	0	0
ATLASSIAN CORPORATION PLC - CLASS A	FOREIGN EQUITIES	G06242104	38	100	SH		SOLE		100	0	0
ACCENTURE PLC	INFORMATION TECHNOLOGY	G1151C101	1,198	2,890	SH		SOLE		2,890	0	0
CAMBIUM NETWORKS CORPORATION	FOREIGN EQUITIES	G17766109	5	190	SH		SOLE		190	0	0
EATON CORP PLC	INDUSTRIALS	G29183103	27	158	SH		SOLE		158	0	0
INVESCO LIMITED	FINANCIALS	G491BT108	1	50	SH		SOLE		50	0	0
KINIKSA PHARMACEUTICALS LTD. -CLASS A	FOREIGN EQUITIES	G5269C101	5	430	SH		SOLE		430	0	0
APTIV PLC	CONSUMER DISCRETIONARY	G6095L109	6	35	SH		SOLE		35	0	0
NORWEGIAN CRUISE LINE HOLDINGS LTD	CONSUMER DISCRETIONARY	G66721104	2	100	SH		SOLE		100	0	0
NOVOCURE LIMITED	HEALTHCARE	G6674U108	8	100	SH		SOLE		100	0	0
SMART GLOBAL HOLDINGS INC.	FOREIGN EQUITIES	G8232Y101	6	85	SH		SOLE		85	0	0
VINCI PARTNERS INVESTMENTS LTD. - CLASS A	FINANCIALS	G9451V109	5	490	SH		SOLE		490	0	0
FIVERR INTERNATIONAL LTD.	FOREIGN EQUITIES	M4R82T106	31	270	SH		SOLE		270	0	0
JFROG LTD	FOREIGN EQUITIES	M6191J100	5	165	SH		SOLE		165	0	0
WIX.COM LTD	INFORMATION TECHNOLOGY	M98068105	20	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	19	1,050	SH		SOLE		1,050	0	0
AFLAC INC.	FINANCIALS	001055102	1	16	SH		SOLE		16	0	0
AFLAC INC.	FINANCIALS	001055102	15	250	SH		DFND		0	250	0
AMC ENTMT HLDGS INC CL A COM	CONSUMER DISCRETIONARY	00165C104	3	100	SH		SOLE		100	0	0
AT&T INC.	COMMUNICATION SERVICES	00206R102	807	32,805	SH		SOLE		32,032	713	60
AT&T INC.	COMMUNICATION SERVICES	00206R102	167	6,782	SH		DFND		4,710	2,072	0
ARK AUTONOMOUS TECHNOLOGY & ROBOTICS ETF	Exchange Traded Funds - Equity	00214Q203	8	100	SH		SOLE		100	0	0
ABBOTT LABS	HEALTHCARE	002824100	822	5,839	SH		SOLE		5,439	400	0
ABBOTT LABS	HEALTHCARE	002824100	170	1,205	SH		DFND		0	1,205	0
ABBVIE INC.	HEALTHCARE	00287Y109	1,612	11,903	SH		SOLE		11,408	495	0
ABBVIE INC.	HEALTHCARE	00287Y109	334	2,465	SH		DFND		1,250	1,215	0
ABIOMED INC	HEALTHCARE	003654100	4	10	SH		SOLE		10	0	0
ACTIVISION BLIZZARD, INC.	INFORMATION TECHNOLOGY	00507V109	165	2,480	SH		SOLE		2,480	0	0
ADOBE INC	INFORMATION TECHNOLOGY	00724F101	378	667	SH		SOLE		667	0	0
AECOM TECHNOLOGY CORP	INFORMATION TECHNOLOGY	00766T100	1	16	SH		SOLE		16	0	0
ADVANCED MICRO DEVICES INC	INFORMATION TECHNOLOGY	007903107	456	3,167	SH		SOLE		3,167	0	0
ADVANCED MICRO DEVICES INC	INFORMATION TECHNOLOGY	007903107	14	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	206	678	SH		SOLE		678	0	0
ALIGN TECHNOLOGY INC.	HEALTHCARE	016255101	7	10	SH		SOLE		10	0	0
ALLSTATE CORP	FINANCIALS	020002101	129	1,100	SH		SOLE		800	300	0
ALTRIA GROUP, INC.	CONSUMER STAPLES	02209S103	145	3,066	SH		SOLE		3,066	0	0
AMAZON. COM, INC	CONSUMER DISCRETIONARY	023135106	5,705	1,711	SH		SOLE		1,701	10	0
AMAZON. COM, INC	CONSUMER DISCRETIONARY	023135106	33	10	SH		DFND		10	0	0
AMERICAN ELEC PWR INC	UTILITIES	025537101	5	52	SH		SOLE		52	0	0
AMERICAN EXPRESS	FINANCIALS	025816109	231	1,410	SH		SOLE		1,373	0	37
AMERICAN EXPRESS	FINANCIALS	025816109	49	300	SH		DFND		0	300	0
AMERICAN TOWER CORPORATION	COMMUNICATION SERVICES	03027X100	943	3,225	SH		SOLE		3,225	0	0
AMERICAN WATER WORKS INC.	CONSUMER DISCRETIONARY	030420103	6	30	SH		SOLE		30	0	0
AMERIPRISE FINANCIAL INC.	FINANCIALS	03076C106	1	4	SH		SOLE		4	0	0
AMGEN INCORPORATED	HEALTHCARE	031162100	368	1,638	SH		SOLE		1,638	0	0
AMGEN INCORPORATED	HEALTHCARE	031162100	27	120	SH		DFND		120	0	0
ANIXA BIOSCIENCES INC.	HEALTHCARE	03528H109	21	7,000	SH		SOLE		7,000	0	0
APPIAN CORPORATION	INFORMATION TECHNOLOGY	03782L101	18	280	SH		SOLE		280	0	0
APPLE INC	INFORMATION TECHNOLOGY	037833100	13,049	73,487	SH		SOLE		72,007	1,400	80
APPLE INC	INFORMATION TECHNOLOGY	037833100	483	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	853	5,419	SH		SOLE		5,419	0	0
ARISTA NETWORKS INC.	INFORMATION TECHNOLOGY	040413106	35	240	SH		SOLE		240	0	0
ARROW FINANCIAL CORPORATION	FINANCIALS	042744102	620	17,606	SH		SOLE		17,606	0	0
ASTRAZENECA PLC - ADR	HEALTHCARE	046353108	24	420	SH		SOLE		420	0	0
AUTOMATIC DATA PROCESSING INC	INFORMATION TECHNOLOGY	053015103	842	3,413	SH		SOLE		3,113	300	0
AUTOMATIC DATA PROCESSING INC	INFORMATION TECHNOLOGY	053015103	427	1,730	SH		DFND		800	930	0
AXON ENTERPRISE INC COM	INDUSTRIALS	05464C101	39	250	SH		SOLE		250	0	0
BP P.L.C.	ENERGY	055622104	63	2,370	SH		SOLE		2,370	0	0
BP PRUDHOE BAY ROYALTY TRUST	ENERGY	055630107	0	100	SH		SOLE		100	0	0
BM TECHNOLOGIES INC.	INDUSTRIALS	05591L107	4	405	SH		SOLE		405	0	0
BAIDU INC - SPON ADR	INFORMATION TECHNOLOGY	056752108	2	12	SH		SOLE		12	0	0
BANDWIDTH INC	INFORMATION TECHNOLOGY	05988J103	9	130	SH		SOLE		130	0	0
BANK OF AMERICA CORP	FINANCIALS	060505104	765	17,206	SH		SOLE		17,206	0	0
BANK OF NEW YORK MELLON CORP	FINANCIALS	064058100	47	805	SH		SOLE		805	0	0
BAOUZUN INC-SPN ADR	FOREIGN EQUITIES	06684L103	1	75	SH		SOLE		75	0	0
BARRICK GOLD CORP	MATERIALS	067901108	3	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	420	1,671	SH		SOLE		1,436	235	0
BERKSHIRE HATHAWAY INC. DEL CLASS B	FINANCIALS	084670702	2,579	8,627	SH		SOLE		8,627	0	0
BERKSHIRE HATHAWAY INC. DEL CLASS B	FINANCIALS	084670702	36	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	1,160	1,267	SH		SOLE		1,267	0	0
BLACKROCK INC	FINANCIALS	09247X101	14	15	SH		DFND		0	15	0
BLOOM ENERGY CORP COM CL A	ENERGY	093712107	4	200	SH		SOLE		200	0	0
BOEING	INDUSTRIALS	097023105	537	2,667	SH		SOLE		2,612	30	25
BOEING	INDUSTRIALS	097023105	94	465	SH		DFND		50	415	0
BRISTOL MYERS SQUIBB CO	HEALTHCARE	110122108	1,484	23,804	SH		SOLE		21,804	2,000	0
BRISTOL MYERS SQUIBB CO	HEALTHCARE	110122108	275	4,405	SH		DFND		3,000	1,405	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
CRA INTERNATIONAL INC.	INDUSTRIALS	12618T105	5	55	SH		SOLE		55	0	0
CSX CORPORATION	INDUSTRIALS	126408103	875	23,280	SH		SOLE		23,280	0	0
CSX CORPORATION	INDUSTRIALS	126408103	135	3,600	SH		DFND		3,600	0	0
CVS HEALTH CORP	CONSUMER STAPLES	126650100	1,043	10,114	SH		SOLE		10,114	0	0
CANADIAN NATIONAL RAILWAY CO	FOREIGN EQUITIES	136375102	5	40	SH		SOLE		40	0	0
CANADIAN PACIFIC RAILWAY LTD	FOREIGN EQUITIES	13645T100	62	865	SH		SOLE		865	0	0
CANADIAN SOLAR INC COM	ENERGY	136635109	31	1,000	SH		SOLE		1,000	0	0
CAPITAL ONE FINANCIAL CORP	FINANCIALS	14040H105	13	90	SH		SOLE		90	0	0
CARGURUS INC COM CL A	CONSUMER DISCRETIONARY	141788109	34	1,000	SH		SOLE		1,000	0	0
CARRIER GLOBAL CORPORATION	INDUSTRIALS	14448C104	279	5,138	SH		SOLE		4,438	700	0
CARRIER GLOBAL CORPORATION	INDUSTRIALS	14448C104	69	1,265	SH		DFND		655	610	0
CASEY'S GENERAL STORES INC	CONSUMER DISCRETIONARY	147528103	14	70	SH		SOLE		70	0	0
CATERPILLAR INC	INDUSTRIALS	149123101	1,471	7,117	SH		SOLE		7,022	70	25
CATERPILLAR INC	INDUSTRIALS	149123101	385	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	33	1,200	SH		SOLE		1,200	0	0
CENTERPOINT ENERGY, INC	UTILITIES	15189T107	112	4,000	SH		DFND		4,000	0	0
CENTESSA PHARMACEUTICALS PLC	HEALTHCARE	152309100	5	400	SH		SOLE		400	0	0
CHEGG INC COM	CONSUMER DISCRETIONARY	163092109	8	250	SH		SOLE		250	0	0
CHEVRON CORPORATION	ENERGY	166764100	1,448	12,343	SH		SOLE		11,960	383	0
CHEVRON CORPORATION	ENERGY	166764100	212	1,810	SH		DFND		1,195	615	0
CHICO'S FASHION INC	CONSUMER DISCRETIONARY	168615102	5	925	SH		SOLE		925	0	0
CISCO SYSTEMS INC.	INFORMATION TECHNOLOGY	17275R102	1,906	30,081	SH		SOLE		29,516	500	65
CISCO SYSTEMS INC.	INFORMATION TECHNOLOGY	17275R102	83	1,305	SH		DFND		30	1,275	0
CIRRUS LOGIC INC	INFORMATION TECHNOLOGY	172755100	9	100	SH		SOLE		100	0	0
CITIGROUP INC.	FINANCIALS	172967424	158	2,625	SH		SOLE		2,625	0	0
CLEARPOINT NEURO INC.	HEALTHCARE	18507C103	4	370	SH		SOLE		370	0	0
CLOROX COMPANY	CONSUMER STAPLES	189054109	78	445	SH		SOLE		445	0	0
CLOROX COMPANY	CONSUMER STAPLES	189054109	35	200	SH		DFND		0	200	0
CLOUDFLARE INC CL A COM	INFORMATION TECHNOLOGY	18915M107	23	175	SH		SOLE		175	0	0
COCA COLA CO	CONSUMER STAPLES	191216100	1,336	22,574	SH		SOLE		20,019	2,555	0
COCA COLA CO	CONSUMER STAPLES	191216100	270	4,565	SH		DFND		3,430	1,135	0
COGNIZANT TECHNOLOGY SOLUTIONS CORP	INFORMATION TECHNOLOGY	192446102	9	100	SH		SOLE		100	0	0
COLGATE PALMOLIVE	CONSUMER STAPLES	194162103	818	9,586	SH		SOLE		9,551	0	35
COLGATE PALMOLIVE	CONSUMER STAPLES	194162103	136	1,594	SH		DFND		1,374	220	0
COMCAST CORP NEW CL A	CONSUMER DISCRETIONARY	20030N101	255	5,072	SH		SOLE		5,072	0	0
COMPASS PATHWAYS PLC	HEALTHCARE	20451W101	3	150	SH		SOLE		150	0	0
CONOCOPHILLIPS	ENERGY	20825C104	199	2,760	SH		SOLE		2,760	0	0
CONOCOPHILLIPS	ENERGY	20825C104	10	140	SH		DFND		20	120	0
CONSOLIDATED EDISON INC	UTILITIES	209115104	39	460	SH		SOLE		460	0	0
CORNING INC	INFORMATION TECHNOLOGY	219350105	462	12,405	SH		SOLE		12,405	0	0
COSTCO WHSL CORP NEW	CONSUMER STAPLES	22160K105	847	1,492	SH		SOLE		1,492	0	0
COUPA SOFTWARE INC COM	INFORMATION TECHNOLOGY	22266L106	16	100	SH		SOLE		100	0	0
CRONOS GROUP, INC.	CONSUMER DISCRETIONARY	22717L101	0	110	SH		SOLE		110	0	0
CROSSAMERICA PARTNERS LP	ENERGY	22758A105	105	5,500	SH		SOLE		5,500	0	0
CUBESMART COM	REAL ESTATE	229663109	4	75	SH		SOLE		75	0	0
CUMMINS INC	INDUSTRIALS	231021106	152	695	SH		SOLE		695	0	0
CUMMINS INC	INDUSTRIALS	231021106	24	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	21	190	SH		SOLE		190	0	0
DTE ENERGY CO	UTILITIES	233331107	38	315	SH		SOLE		315	0	0
DANAHER CORP	HEALTHCARE	235851102	1,116	3,392	SH		SOLE		3,392	0	0
DANAHER CORP	HEALTHCARE	235851102	274	833	SH		DFND		500	333	0
DATADOG INC CLASS A	INFORMATION TECHNOLOGY	23804L103	76	425	SH		SOLE		425	0	0
DEERE & CO (JOHN DEERE)	INDUSTRIALS	244199105	444	1,295	SH		SOLE		1,085	210	0
DELTA AIR LINES INC	CONSUMER DISCRETIONARY	247361702	18	455	SH		SOLE		455	0	0
DENTSPLY SIRONA INC	CONSUMER DISCRETIONARY	24906P109	7	120	SH		SOLE		120	0	0
DIAGEO PLC	CONSUMER DISCRETIONARY	25243Q205	29	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	9	118	SH		SOLE		118	0	0
DISNEY (WALT) COMPANY HOLDING CO	CONSUMER DISCRETIONARY	254687106	1,834	11,838	SH		SOLE		11,813	0	25
DISNEY (WALT) COMPANY HOLDING CO	CONSUMER DISCRETIONARY	254687106	203	1,308	SH		DFND		220	1,088	0
DISCOVER FINANCIAL SERVICES	FINANCIALS	254709108	51	440	SH		SOLE		440	0	0
DOCEBO INC.	INFORMATION TECHNOLOGY	25609L105	4	55	SH		SOLE		55	0	0
DOCUSIGN INC	INFORMATION TECHNOLOGY	256163106	36	235	SH		SOLE		235	0	0
DOLLAR GENERAL CORP	CONSUMER DISCRETIONARY	256677105	28	120	SH		SOLE		120	0	0
DOLLAR TREE, INC.	CONSUMER DISCRETIONARY	256746108	28	200	SH		SOLE		200	0	0
DOMINION ENERGY, INC.	UTILITIES	25746U109	260	3,304	SH		SOLE		3,304	0	0
DOMINION ENERGY, INC.	UTILITIES	25746U109	50	635	SH		DFND		635	0	0
DOMINO'S PIZZA INC	CONSUMER DISCRETIONARY	25754A201	37	65	SH		SOLE		65	0	0
DOW INC.	MATERIALS	260557103	113	1,995	SH		SOLE		1,483	512	0
DOW INC.	MATERIALS	260557103	5	85	SH		DFND		0	85	0
DREAM FINDERS HOMES INC. - CLASS A	CONSUMER DISCRETIONARY	26154D100	6	290	SH		SOLE		290	0	0
DUKE ENERGY CORPORATION NEW	ENERGY	26441C204	182	1,737	SH		SOLE		1,737	0	0
EBAY INC	CONSUMER DISCRETIONARY	278642103	16	242	SH		SOLE		242	0	0
EDISON INTERNATIONAL	UTILITIES	281020107	1	10	SH		SOLE		10	0	0
ELECTRONIC ARTS INC	INFORMATION TECHNOLOGY	285512109	7	55	SH		SOLE		55	0	0
EMERSON ELECTRIC	INDUSTRIALS	291011104	374	4,028	SH		SOLE		2,548	1,480	0
EMERSON ELECTRIC	INDUSTRIALS	291011104	206	2,215	SH		DFND		500	1,715	0
ENBRIDGE INC	ENERGY	29250N105	40	1,023	SH		SOLE		1,023	0	0
ENERGY TRANSFER LP COM UT LTD PTN	ENERGY	29273V100	5	582	SH		SOLE		582	0	0
ENTERGY CORPORATION	UTILITIES	29364G103	90	800	SH		DFND		800	0	0
ENTERPRISE PRODUCTS PARTNERS L.P.	ENERGY	293792107	154	7,011	SH		SOLE		7,011	0	0
ENVIVA PARTNERS LP	ENERGY	29414J107	141	2,000	SH		SOLE		2,000	0	0
EQUITY RESIDENTIAL SHARES OF BENEFICIAL INT	FINANCIALS	29476L107	5	50	SH		SOLE		50	0	0
ESPEY MFG. & ELECTRONICS CORP	INDUSTRIALS	296650104	82	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	43	195	SH		SOLE		195	0	0
EXACT SCIENCES CORP COM	HEALTHCARE	30063P105	18	225	SH		SOLE		225	0	0
EXELON CORP	UTILITIES	30161N101	38	665	SH		SOLE		390	275	0
EXELON CORP	UTILITIES	30161N101	63	1,090	SH		DFND		1,090	0	0
EXXON MOBIL CORP	ENERGY	30231G102	950	15,533	SH		SOLE		10,403	5,130	0
EXXON MOBIL CORP	ENERGY	30231G102	308	5,038	SH		DFND		1,984	3,054	0
META PLATFORMS INC	INFORMATION TECHNOLOGY	30303M102	1,897	5,640	SH		SOLE		5,535	105	0
META PLATFORMS INC	INFORMATION TECHNOLOGY	30303M102	24	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	11	310	SH		SOLE		310	0	0
FATHOM HOLDINGS INC.	REAL ESTATE	31189V109	5	230	SH		SOLE		230	0	0
FEDEX CORPORATION	INDUSTRIALS	31428X106	136	525	SH		SOLE		525	0	0
FEDEX CORPORATION	INDUSTRIALS	31428X106	32	125	SH		DFND		125	0	0
FIDELITY MSCI INFORMATION TECHNOLOGY INDEX ETF	INFORMATION TECHNOLOGY	316092808	335	2,475	SH		SOLE		2,475	0	0
FIFTH THIRD BANCORP	FINANCIALS	316773100	29	675	SH		SOLE		675	0	0
1STDIBS.COM INC	INFORMATION TECHNOLOGY	320551104	5	405	SH		SOLE		405	0	0
FIRST TRUST NASDAQ CLEAN EDGE GREEN ENERGY ETF	Exchange Traded Funds - Equity	33733E500	112	1,651	SH		SOLE		1,651	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	179	8,615	SH		SOLE		8,615	0	0
FORD MOTOR CO DEL	CONSUMER DISCRETIONARY	345370860	19	900	SH		DFND		0	900	0
FORTIVE CORPORATION	INFORMATION TECHNOLOGY	34959J108	22	287	SH		DFND		100	187	0
FREEPORT-MCMORAN COPPER & GOLD CLASS B	MATERIALS	35671D857	24	575	SH		SOLE		575	0	0
FRESHPET INC	CONSUMER STAPLES	358039105	7	75	SH		SOLE		75	0	0
FULGENT GENETICS INC.	HEALTHCARE	359664109	73	730	SH		SOLE		730	0	0
GAMESTOP CORP NEW CL A	CONSUMER DISCRETIONARY	36467W109	0	3	SH		SOLE		3	0	0
GENERAL DYNAMICS CORPORATION	INDUSTRIALS	369550108	542	2,599	SH		SOLE		2,599	0	0
GENERAL DYNAMICS CORPORATION	INDUSTRIALS	369550108	14	65	SH		DFND		65	0	0
GENERAL MILLS, INC	CONSUMER STAPLES	370334104	110	1,630	SH		SOLE		1,030	600	0
GENERAL MILLS, INC	CONSUMER STAPLES	370334104	94	1,400	SH		DFND		1,400	0	0
GILEAD SCIENCES, INC.	HEALTHCARE	375558103	173	2,385	SH		SOLE		2,385	0	0
GILEAD SCIENCES, INC.	HEALTHCARE	375558103	11	150	SH		DFND		0	150	0
GLADSTONE COMMERCIAL CORP	CONSUMER DISCRETIONARY	376536108	28	1,100	SH		SOLE		1,100	0	0
GLADSTONE LAND CORPORATION	REAL ESTATE	376549101	6	170	SH		SOLE		170	0	0
GLAXO SMITHKLINE PLC SPON ADR	HEALTHCARE	37733W105	22	510	SH		SOLE		510	0	0
GLAXO SMITHKLINE PLC SPON ADR	HEALTHCARE	37733W105	18	400	SH		DFND		400	0	0
GROWGENERATION CORP COM	CONSUMER STAPLES	39986L109	0	25	SH		SOLE		25	0	0
GUARDANT HEALTH INC.	HEALTHCARE	40131M109	12	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	12	310	SH		SOLE		310	0	0
HELMERICH & PAYNE, INC.	ENERGY	423452101	1	60	SH		SOLE		60	0	0
THE HERSHEY COMPANY	CONSUMER STAPLES	427866108	23	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	3,380	8,144	SH		SOLE		7,139	1,005	0
HOME DEPOT INC	CONSUMER DISCRETIONARY	437076102	656	1,580	SH		DFND		800	780	0
HONEYWELL INTERNATIONAL INC	INDUSTRIALS	438516106	546	2,621	SH		SOLE		2,621	0	0
HUBSPOT INC.	INFORMATION TECHNOLOGY	443573100	105	160	SH		SOLE		160	0	0
ILLINOIS TOOL WORKS INC.	INDUSTRIALS	452308109	223	902	SH		SOLE		902	0	0
INTEL CORP	INFORMATION TECHNOLOGY	458140100	2,378	46,177	SH		SOLE		43,262	2,850	65
INTEL CORP	INFORMATION TECHNOLOGY	458140100	410	7,964	SH		DFND		5,649	2,315	0
INTELLIGENT SYSTEMS CORPORATION	INFORMATION TECHNOLOGY	45816D100	5	125	SH		SOLE		125	0	0
INTERACTIVE BROKERS GRO-CL A	FINANCIALS	45841N107	20	250	SH		SOLE		250	0	0
INTERCONTINENTAL EXCHANGE INCOM	FINANCIALS	45866F104	3	25	SH		SOLE		25	0	0
INTL BUSINESS MACHINES	INFORMATION TECHNOLOGY	459200101	576	4,312	SH		SOLE		4,312	0	0
INTL BUSINESS MACHINES	INFORMATION TECHNOLOGY	459200101	197	1,472	SH		DFND		500	972	0
INTERNATIONAL PAPER CO	MATERIALS	460146103	197	4,200	SH		SOLE		4,165	0	35
INTUITIVE SURGICAL INC	HEALTHCARE	46120E602	34	94	SH		SOLE		94	0	0
INVESCO GLOBAL WATER ETF	Exchange Traded Funds - Equity	46138E651	65	1,500	SH		SOLE		1,500	0	0
INVITAE CORP COM	HEALTHCARE	46185L103	2	125	SH		SOLE		125	0	0
IQIYI, INC. - ADR	INFORMATION TECHNOLOGY	46267X108	0	100	SH		SOLE		100	0	0
IROBOT CORPORATION	INDUSTRIALS	462726100	2	30	SH		SOLE		30	0	0
ETF ISHARES SILVER TR	MUTUAL FUND	46428Q109	82	3,810	SH		SOLE		3,810	0	0
ISHARES MSCI AUSTRALIA ETF	MUTUAL FUND	464286103	7	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	1,546	7,055	SH		SOLE		7,055	0	0
ISHARES SELECT DIVIDEND ETF	MUTUAL FUND	464287168	55	450	SH		SOLE		450	0	0
ISHARES TIPS BOND ETF	FIXED INCOME	464287176	6,818	52,774	SH		SOLE		52,289	0	485
ISHARES TIPS BOND ETF	FIXED INCOME	464287176	889	6,877	SH		DFND		5,985	892	0
ISHARES CHINA LARGE CAP ETF	MUTUAL FUND	464287184	4	115	SH		DFND		0	115	0
ISHARES CORE S&P 500 ETF	Exchange Traded Funds - Equity	464287200	54	114	SH		SOLE		114	0	0
ISHARES CORE TOTAL US AGGREGATE BOND ETF-W	FIXED INCOME	46428722W	1,891	16,575	SH		SOLE		16,575	0	0
ISHARES CORE TOTAL US AGGREGATE BOND ETF	FIXED INCOME	464287226	5,336	46,771	SH		SOLE		46,771	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	760	9,655	SH		SOLE		9,655	0	0
ISHARES MSCI EAFE ETF FUND	MUTUAL FUND	464287465	37	470	SH		DFND		0	470	0
ISHARES RUSSELL MIDCAP ETF	Exchange Traded Funds - Equity	464287499	274	3,301	SH		SOLE		3,301	0	0
ISHARES CORE S&P MID CAP ETF	Exchange Traded Funds - Equity	464287507	560	1,979	SH		SOLE		1,979	0	0
ISHARES COHEN & STEERS REIT ETF	Exchange Traded Funds - Equity	464287564	12	156	SH		SOLE		156	0	0
ISHARES RUSSELL 1000 VALUE INDEX FUND	MUTUAL FUND	464287598	105	626	SH		SOLE		626	0	0
ISHARES RUSSELL 1000 GROWTH ETF	MUTUAL FUND	464287614	1,838	6,014	SH		SOLE		6,014	0	0
ISHARES RUSSELL 2000 GROWTH ETF	Exchange Traded Funds - Equity	464287648	452	1,542	SH		SOLE		1,542	0	0
ISHARES RUSSELL 2000 ETF	Exchange Traded Funds - Equity	464287655	190	852	SH		SOLE		852	0	0
ISHARES CORE S&P SMALL-CAP ETF	MUTUAL FUND	464287804	4,082	35,645	SH		SOLE		35,565	0	80
ISHARES CORE S&P SMALL-CAP ETF	MUTUAL FUND	464287804	176	1,533	SH		DFND		540	993	0
ETF ISHARES GLOBAL CLEAN ENERGY	Exchange Traded Funds - Equity	464288224	104	4,895	SH		SOLE		4,895	0	0
ISHARES MSCI KLD 400 SOCIAL	MUTUAL FUND	464288570	61	660	SH		SOLE		660	0	0
ISHARES DOW JONES US HOME CONSTRUCTION INDEX	Exchange Traded Funds - Equity	464288752	44	525	SH		SOLE		525	0	0
ISHARES MSCI USA ESG SELECT	MUTUAL FUND	464288802	143	1,350	SH		SOLE		1,350	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	12	205	SH		SOLE		205	0	0
ISHARES MSCI SINGAPORE ETF	Exchange Traded Funds - Equity	46434G780	6	264	SH		DFND		264	0	0
ISSUER DIRECT CORPORATION	INFORMATION TECHNOLOGY	46520M204	5	160	SH		SOLE		160	0	0
JPMORGAN CHASE & CO COM	FINANCIALS	46625H100	3,140	19,828	SH		SOLE		18,738	1,065	25
JPMORGAN CHASE & CO COM	FINANCIALS	46625H100	154	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	3,638	21,266	SH		SOLE		20,086	1,150	30
JOHNSON & JOHNSON	HEALTHCARE	478160104	588	3,440	SH		DFND		1,385	2,055	0
KELLOGG COMPANY	CONSUMER STAPLES	487836108	13	200	SH		DFND		200	0	0
KEYCORP NEW COM	FINANCIALS	493267108	13	542	SH		SOLE		542	0	0
KIMBERLY CLARK	CONSUMER STAPLES	494368103	254	1,780	SH		SOLE		1,710	70	0
KIMBERLY CLARK	CONSUMER STAPLES	494368103	143	1,000	SH		DFND		1,000	0	0
LAM RESEARCH CORP COMMON	HEALTHCARE	512807108	18	25	SH		SOLE		25	0	0
ELI LILLY & CO	HEALTHCARE	532457108	950	3,438	SH		SOLE		3,438	0	0
ELI LILLY & CO	HEALTHCARE	532457108	247	895	SH		DFND		750	145	0
LITTELFUSE INC	INFORMATION TECHNOLOGY	537008104	16	50	SH		SOLE		50	0	0
LOCKHEED MARTIN CORP	INDUSTRIALS	539830109	1,731	4,870	SH		SOLE		4,550	320	0
LOCKHEED MARTIN CORP	INDUSTRIALS	539830109	316	890	SH		DFND		890	0	0
LOWES COMPANIES INC	CONSUMER DISCRETIONARY	548661107	687	2,658	SH		SOLE		2,583	0	75
LOWES COMPANIES INC	CONSUMER DISCRETIONARY	548661107	62	240	SH		DFND		240	0	0
LULULEMON ATHLETICA INC	CONSUMER DISCRETIONARY	550021109	16	40	SH		SOLE		40	0	0
LUMEN TECHNOLOGIES INC.	COMMUNICATION SERVICES	550241103	0	12	SH		SOLE		12	0	0
MPLX LP	ENERGY	55336V100	109	3,700	SH		SOLE		3,700	0	0
MANULIFE FINANCIAL	FINANCIALS	56501R106	12	645	SH		SOLE		645	0	0
MARATHON PETROLEUM CORPORATION	ENERGY	56585A102	74	1,150	SH		SOLE		1,150	0	0
MARKEL CORP HOLDING COMPANY	FINANCIALS	570535104	12	10	SH		SOLE		10	0	0
MARRIOTT INTERNATIONAL INC. CLASS A	CONSUMER DISCRETIONARY	571903202	11	65	SH		SOLE		65	0	0
MASIMO CORPORATION	HEALTHCARE	574795100	4	12	SH		SOLE		12	0	0
MASTERCARD INC - CLASS A	INFORMATION TECHNOLOGY	57636Q104	268	746	SH		SOLE		681	65	0
MCCORMICK & CO.	CONSUMER STAPLES	579780206	155	1,600	SH		SOLE		200	1,400	0
MCDONALDS CORP	CONSUMER DISCRETIONARY	580135101	2,501	9,329	SH		SOLE		8,529	785	15
MCDONALDS CORP	CONSUMER DISCRETIONARY	580135101	683	2,547	SH		DFND		1,200	1,347	0
MCKESSON CORPORATION	HEALTHCARE	58155Q103	96	385	SH		SOLE		385	0	0
MERCADOLIBRE INC	INFORMATION TECHNOLOGY	58733R102	24	18	SH		SOLE		18	0	0
MERCK & CO., INC	HEALTHCARE	58933Y105	566	7,388	SH		SOLE		6,968	420	0
MERCK & CO., INC	HEALTHCARE	58933Y105	115	1,500	SH		DFND		1,500	0	0
METLIFE INC	FINANCIALS	59156R108	814	13,026	SH		SOLE		12,996	0	30
MICROSOFT CORP	INFORMATION TECHNOLOGY	594918104	7,648	22,740	SH		SOLE		21,295	1,445	0
MICROSOFT CORP	INFORMATION TECHNOLOGY	594918104	721	2,145	SH		DFND		1,355	790	0
HERMAN MILLER INC.	CONSUMER DISCRETIONARY	600544100	3	85	SH		SOLE		85	0	0
MITEK SYSTEMS INC.	INFORMATION TECHNOLOGY	606710200	5	300	SH		SOLE	��	300	0	0
MONDELEZ INTERNATIONAL INC	CONSUMER STAPLES	609207105	138	2,076	SH		SOLE		1,076	1,000	0
MONGODB, INC.	INFORMATION TECHNOLOGY	60937P106	47	88	SH		SOLE		88	0	0
MORGAN STANLEY	FINANCIALS	617446448	420	4,280	SH		SOLE		4,280	0	0
NCR CORPORATION	INFORMATION TECHNOLOGY	62886E108	1	17	SH		SOLE		17	0	0
NIO INC SPON ADS	CONSUMER DISCRETIONARY	62914V106	14	440	SH		SOLE		440	0	0
NASDAQ STOCK MARKET INC	FINANCIALS	631103108	11	50	SH		SOLE		50	0	0
NETAPP, INC.	INFORMATION TECHNOLOGY	64110D104	9	100	SH		SOLE		100	0	0
NETFLIX INC	INFORMATION TECHNOLOGY	64110L106	617	1,024	SH		SOLE		1,024	0	0
NEW JERSEY RESOURCES CORP	UTILITIES	646025106	37	912	SH		SOLE		912	0	0
NEW RELIC INC	INFORMATION TECHNOLOGY	64829B100	7	65	SH		SOLE		65	0	0
NEWELL BRANDS INC	CONSUMER DISCRETIONARY	651229106	0	16	SH		SOLE		16	0	0
NEWMONT CORPORATION	MATERIALS	651639106	92	1,482	SH		SOLE		1,482	0	0
NEXTERA ENERGY INC	UTILITIES	65339F101	2,761	29,578	SH		SOLE		28,378	1,200	0
NEXTERA ENERGY INC	UTILITIES	65339F101	290	3,110	SH		DFND		2,550	560	0
NICE LTD - AMERICAN DEPOSITORY SHARES	INFORMATION TECHNOLOGY	653656108	9	30	SH		SOLE		30	0	0
NIKE, INC	CONSUMER DISCRETIONARY	654106103	1,018	6,108	SH		SOLE		6,108	0	0
NIKOLA CORPORATION	INDUSTRIALS	654110105	0	50	SH		SOLE		50	0	0
NORTHROP GRUMMAN CORP	INDUSTRIALS	666807102	293	757	SH		SOLE		757	0	0
NOVARTIS AG - ADR	FOREIGN EQUITIES	66987V109	11	130	SH		SOLE		0	130	0
NOVAVAX INC	HEALTHCARE	670002401	33	231	SH		SOLE		231	0	0
NUCOR	MATERIALS	670346105	178	1,560	SH		SOLE		960	600	0
NUCOR	MATERIALS	670346105	91	800	SH		DFND		800	0	0
NVIDIA CORP.	INFORMATION TECHNOLOGY	67066G104	3,863	13,135	SH		SOLE		13,135	0	0
NUSHARES ETF TR NUVEEN ESG SMLCP	Exchange Traded Funds - Equity	67092P607	357	8,500	SH		SOLE		8,500	0	0
OAKTREE SPECIALTY LENDING COCOM	FINANCIALS	67401P108	14	1,909	SH		SOLE		1,909	0	0
ON24 INC.	INFORMATION TECHNOLOGY	68339B104	6	330	SH		SOLE		330	0	0
ORACLE CORPORATION	INFORMATION TECHNOLOGY	68389X105	497	5,703	SH		SOLE		5,703	0	0
ORACLE CORPORATION	INFORMATION TECHNOLOGY	68389X105	15	170	SH		DFND		0	170	0
OTIS WORLDWIDE CORPORATION	INDUSTRIALS	68902V107	219	2,515	SH		SOLE		2,165	350	0
OTIS WORLDWIDE CORPORATION	INDUSTRIALS	68902V107	55	632	SH		DFND		327	305	0
OUTSET MEDICAL INC.	HEALTHCARE	690145107	5	110	SH		SOLE		110	0	0
P G & E CORP	UTILITIES	69331C108	0	10	SH		SOLE		10	0	0
PNC FINANCIAL SERVICES GROUP INC	FINANCIALS	693475105	70	348	SH		SOLE		348	0	0
PPL CORP	UTILITIES	69351T106	3	100	SH		SOLE		100	0	0
PACIRA BIOSCIENCES, INC	HEALTHCARE	695127100	36	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	2	5	SH		SOLE		5	0	0
PELOTON INTERACTIVE INC CLASS A	CONSUMER DISCRETIONARY	70614W100	15	410	SH		SOLE		410	0	0
PEPSICO INC	CONSUMER STAPLES	713448108	3,198	18,408	SH		SOLE		18,113	295	0
PEPSICO INC	CONSUMER STAPLES	713448108	622	3,580	SH		DFND		1,815	1,765	0
PERKIN ELMER, INC	INFORMATION TECHNOLOGY	714046109	13	65	SH		SOLE		65	0	0
PETMED EXPRESS INC.	HEALTHCARE	716382106	3	100	SH		SOLE		100	0	0
PFIZER INC	HEALTHCARE	717081103	2,158	36,557	SH		SOLE		34,001	2,556	0
PFIZER INC	HEALTHCARE	717081103	248	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	544	7,510	SH		SOLE		7,300	210	0
PHILLIPS 66	ENERGY	718546104	72	997	SH		DFND		895	102	0
PINTEREST INC CL A	COMMUNICATION SERVICES	72352L106	33	915	SH		SOLE		915	0	0
PLAINS ALL AMERICAN PIPELINE	ENERGY	726503105	101	10,800	SH		SOLE		10,800	0	0
PLUG POWER INC.	INFORMATION TECHNOLOGY	72919P202	31	1,110	SH		SOLE		1,110	0	0
POST HOLDINGS INC	CONSUMER STAPLES	737446104	6	50	SH		SOLE		50	0	0
T ROWE PRICE GROUP INC	FINANCIALS	74144T108	39	200	SH		SOLE		200	0	0
T ROW PRICE US BOND INDEX FUND	FIXED INCOME	741495105	154	13,584	SH		SOLE		13,584	0	0
PROCTER & GAMBLE CO	CONSUMER STAPLES	742718109	4,174	25,514	SH		SOLE		23,807	1,672	35
PROCTER & GAMBLE CO	CONSUMER STAPLES	742718109	758	4,635	SH		DFND		2,620	2,015	0
PRUDENTIAL FINANCIAL INC	FINANCIALS	744320102	257	2,374	SH		SOLE		2,374	0	0
PUBLIC SERVICE ENTERPRISE GROUP, INC	UTILITIES	744573106	45	672	SH		SOLE		672	0	0
PUBMATIC INC COM CL A	CONSUMER DISCRETIONARY	74467Q103	9	250	SH		SOLE		250	0	0
QUALCOMM INC	INFORMATION TECHNOLOGY	747525103	1,729	9,455	SH		SOLE		9,190	235	30
QUALCOMM INC	INFORMATION TECHNOLOGY	747525103	122	665	SH		DFND		665	0	0
QUANTA SERVICES INC	INDUSTRIALS	74762E102	82	712	SH		SOLE		712	0	0
QUIDEL CORP COM	HEALTHCARE	74838J101	13	100	SH		SOLE		100	0	0
REATA PHARMACEUTICALS INC.	HEALTHCARE	75615P103	1	55	SH		SOLE		55	0	0
REGENERON PHARMACEUTICALS	HEALTHCARE	75886F107	168	266	SH		SOLE		266	0	0
REPLIGEN CORPORATION	HEALTHCARE	759916109	66	250	SH		SOLE		250	0	0
RIMINI STREET INC.	INFORMATION TECHNOLOGY	76674Q107	5	780	SH		SOLE		780	0	0
RIO TINTO PLC	MATERIALS	767204100	100	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	22	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	19	445	SH		SOLE		445	0	0
SPDR S & P 500 ETF TRUST	MUTUAL FUND	78462F103	20,490	43,142	SH		SOLE		43,142	0	0
SPDR S & P 500 ETF TRUST	MUTUAL FUND	78462F103	767	1,615	SH		DFND		1,020	595	0
SPDR GOLD TRUST	MUTUAL FUND	78463V107	202	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	36	1,131	SH		SOLE		1,131	0	0
SPDR S&P DIVIDEND ETF	Exchange Traded Funds - Equity	78464A763	356	2,755	SH		SOLE		2,755	0	0
ETF SPDR S&P BIOTECH	HEALTHCARE	78464A870	746	6,665	SH		SOLE		6,665	0	0
S&P MIDCAP 400 DEPOSITORY RECEIPTS ETF -W	MUTUAL FUND	78467Y10W	102	198	SH		SOLE		198	0	0
S & P MIDCAP 400 DEPOSITORY RECEIPTS ETF	MUTUAL FUND	78467Y107	6,269	12,111	SH		SOLE		12,059	0	52
S & P MIDCAP 400 DEPOSITORY RECEIPTS ETF	MUTUAL FUND	78467Y107	302	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	12	225	SH		DFND		0	225	0
SPDR NUVEEN BLOOMBERG BARCLAY MUNICIPAL BOND ETF	ETF's - Fixed Income	78468R721	78	1,500	SH		SOLE		1,500	0	0
SPDR GENDER DIVERSITY INDEX ETF	Exchange Traded Funds - Equity	78468R747	24	235	SH		SOLE		235	0	0
SALESFORCE.COM, INC.	INFORMATION TECHNOLOGY	79466L302	243	958	SH		SOLE		958	0	0
SANOFI ADR	FOREIGN EQUITIES	80105N105	6	120	SH		SOLE		120	0	0
SCHLUMBERGER LTD	ENERGY	806857108	11	363	SH		SOLE		363	0	0
SCHLUMBERGER LTD	ENERGY	806857108	9	300	SH		DFND		0	300	0
SCHWAB U.S. SMALL-CAP ETF	Exchange Traded Funds - Equity	808524607	13	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	23	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
MATERIAL SELECT SECTOR SPDR TRUST	MATERIALS	81369Y100	224	2,475	SH		SOLE		2,475	0	0
CONSUMER STAPLES SELECT SECTOR SPDR FUND	CONSUMER STAPLES	81369Y308	63	816	SH		SOLE		816	0	0
CONSUMER DISCRETIONARY SELE CT SECTOR SPDR FUND	CONSUMER DISCRETIONARY	81369Y407	124	605	SH		SOLE		605	0	0
ENERGY SELECT SECTOR SPDR FUND	ENERGY	81369Y506	27	480	SH		SOLE		480	0	0
FINANCIAL SELECT SECTOR SPDR FUND	FINANCIALS	81369Y605	452	11,580	SH		SOLE		11,580	0	0
INDUSTRIAL SELECT SECTOR SPDR FUND	INDUSTRIALS	81369Y704	30	280	SH		SOLE		280	0	0
TECHNOLOGY SELECT SECT SPDR	INFORMATION TECHNOLOGY	81369Y803	1,018	5,856	SH		SOLE		5,856	0	0
TECHNOLOGY SELECT SECT SPDR	INFORMATION TECHNOLOGY	81369Y803	78	450	SH		DFND		0	450	0
COMMUNICATION SERVICES SELECT SECTOR SPDR FUND	COMMUNICATION SERVICES	81369Y852	129	1,661	SH		SOLE		1,661	0	0
AMEX UTILITIES SELECT INDEX SHS BEN INT	UTILITIES	81369Y886	210	2,930	SH		SOLE		2,930	0	0
SEMPRA	UTILITIES	816851109	118	895	SH		SOLE		895	0	0
SHERWIN WILLIAMS COMPANY	CONSUMER DISCRETIONARY	824348106	32	90	SH		SOLE		90	0	0
SCHOCKWAVE MEDICAL INC	HEALTHCARE	82489T104	23	127	SH		SOLE		127	0	0
SIEMENS AG	FOREIGN EQUITIES	826197501	27	315	SH		SOLE		315	0	0
SIMON PROPERTY GROUP	REAL ESTATE	828806109	25	156	SH		SOLE		156	0	0
SIX FLAGS ENTERTAINMENT CORPORATION	CONSUMER DISCRETIONARY	83001A102	6	135	SH		SOLE		135	0	0
SMITH-MIDLAND CORPORATION	INDUSTRIALS	832156103	7	140	SH		SOLE		140	0	0
J.M. SMUCKER COMPANY	CONSUMER STAPLES	832696405	218	1,606	SH		SOLE		655	951	0
SNAP-ON INC	CONSUMER DISCRETIONARY	833034101	41	189	SH		SOLE		189	0	0
SONY GROUP CORP	FOREIGN EQUITIES	835699307	23	180	SH		SOLE		180	0	0
SOUTHERN CO	UTILITIES	842587107	691	10,077	SH		SOLE		9,462	615	0
SOUTHERN CO	UTILITIES	842587107	229	3,345	SH		DFND		2,600	745	0
SOUTHWEST AIRLINES	INDUSTRIALS	844741108	20	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	6	50	SH		SOLE		50	0	0
STARBUCKS CORPORATION	CONSUMER DISCRETIONARY	855244109	441	3,770	SH		SOLE		3,770	0	0
STARBUCKS CORPORATION	CONSUMER DISCRETIONARY	855244109	11	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	4	195	SH		SOLE		195	0	0
STRYKER CORP	HEALTHCARE	863667101	993	3,715	SH		SOLE		3,715	0	0
STRYKER CORP	HEALTHCARE	863667101	67	250	SH		DFND		140	110	0
SUMMIT THERAPEUTICS INC.	HEALTHCARE	86627T108	3	1,000	SH		SOLE		1,000	0	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	45	591	SH		SOLE		591	0	0
TAKE-TWO INTERACTIVE SOFTWARE, INC.	INFORMATION TECHNOLOGY	874054109	17	95	SH		SOLE		95	0	0
TARGET CORP	CONSUMER DISCRETIONARY	87612E106	797	3,443	SH		SOLE		3,271	130	42
TARGET CORP	CONSUMER DISCRETIONARY	87612E106	324	1,400	SH		DFND		520	880	0
TELADOC HEALTH INC.	HEALTHCARE	87918A105	30	327	SH		SOLE		327	0	0
TERADATA CORPORATION	INFORMATION TECHNOLOGY	88076W103	1	17	SH		SOLE		17	0	0
TESLA MOTORS INC	CONSUMER DISCRETIONARY	88160R101	1,135	1,074	SH		SOLE		1,074	0	0
TEXAS INSTRUMENTS	INFORMATION TECHNOLOGY	882508104	80	424	SH		SOLE		424	0	0
TEXTRON INC	INDUSTRIALS	883203101	5	65	SH		SOLE		65	0	0
THE TRADE DESK, INC.	INFORMATION TECHNOLOGY	88339J105	73	800	SH		SOLE		800	0	0
3M CO COM	INDUSTRIALS	88579Y101	402	2,263	SH		SOLE		1,748	515	0
3M CO COM	INDUSTRIALS	88579Y101	139	785	SH		DFND		785	0	0
TILRAY INC COM CL 2	HEALTHCARE	88688T100	0	55	SH		SOLE		55	0	0
TORONTO-DOMINION BANK NEW	FOREIGN EQUITIES	891160509	27	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	19	100	SH		SOLE		100	0	0
TRANSMEDICS GROUP INC.	HEALTHCARE	89377M109	4	220	SH		SOLE		220	0	0
TRAVELERS COS INC	FINANCIALS	89417E109	106	680	SH		SOLE		680	0	0
TWILIO INC. - A	INFORMATION TECHNOLOGY	90138F102	30	113	SH		SOLE		113	0	0
US BANCORP DEL COM NEW	FINANCIALS	902973304	104	1,858	SH		SOLE		1,858	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	189	749	SH		SOLE		749	0	0
UNITED PARCEL SERVICE	INDUSTRIALS	911312106	439	2,050	SH		SOLE		2,050	0	0
UNITEDHEALTH GROUP INC	HEALTHCARE	91324P102	1,280	2,550	SH		SOLE		2,550	0	0
UNIVERSAL DISPLAY CORP	INFORMATION TECHNOLOGY	91347P105	3	17	SH		SOLE		17	0	0
UPSTART HLDGS INC COM	FINANCIALS	91680M107	23	150	SH		SOLE		150	0	0
VAIL RESORTS INC.	CONSUMER DISCRETIONARY	91879Q109	5	15	SH		SOLE		15	0	0
VALERO ENERGY NEW	ENERGY	91913Y100	220	2,925	SH		SOLE		2,810	115	0
VANECK GREEN BOND -E TF	ETF's - Fixed Income	92189F171	10	385	SH		SOLE		385	0	0
VANECK SEMICONDUCTOR ETF	Exchange Traded Funds - Equity	92189F676	22	70	SH		SOLE		70	0	0
VANGUARD DIVIDEND APPRECIATION INDEX FUND	Exchange Traded Funds - Equity	921908844	108	627	SH		SOLE		627	0	0
ETF VANGUARD TOTAL INTL STOCK	MUTUAL FUND	921909768	940	14,785	SH		SOLE		14,785	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	571	6,741	SH		SOLE		6,741	0	0
VANGUARD FTSE DEVELOPED MARKET ETF	MUTUAL FUND	921943858	674	13,191	SH		SOLE		13,191	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	287	5,810	SH		SOLE		5,810	0	0
VANGUARD MSCI EMERGING MARKETS ETF	MUTUAL FUND	922042858	64	1,285	SH		DFND		910	375	0
ETF VANGUARD RUSSELL 3000	MUTUAL FUND	92206C599	5,161	23,925	SH		SOLE		23,925	0	0
ETF VANGUARD RUSSELL 3000	MUTUAL FUND	92206C599	276	1,280	SH		DFND		1,280	0	0
ETF VANGUARD RUSSELL 2000	MUTUAL FUND	92206C664	857	9,537	SH		SOLE		9,537	0	0
VANGUARD REAL ESTATE ETF	Exchange Traded Funds - Equity	922908553	41	356	SH		SOLE		256	100	0
VANGUARD REAL ESTATE ETF	Exchange Traded Funds - Equity	922908553	23	195	SH		DFND		0	195	0
VANGUARD MID-CAP ETF	Exchange Traded Funds - Equity	922908629	1,529	6,000	SH		SOLE		6,000	0	0
VANGUARD GROWTH ETF	Exchange Traded Funds - Equity	922908736	1,423	4,435	SH		SOLE		4,435	0	0
VANGUARD SMALL CAP ETF	Exchange Traded Funds - Equity	922908751	5	24	SH		SOLE		24	0	0
VANGUARD TOTAL STOCK MARKET ETF	MUTUAL FUND	922908769	1,458	6,037	SH		SOLE		6,037	0	0
VERIZON COMMUNICATIONS INC	COMMUNICATION SERVICES	92343V104	1,715	33,015	SH		SOLE		31,279	1,736	0
VERIZON COMMUNICATIONS INC	COMMUNICATION SERVICES	92343V104	297	5,709	SH		DFND		3,587	2,122	0
VERISK ANALYTICS INC	INDUSTRIALS	92345Y106	24	105	SH		SOLE		105	0	0
VERTEX PHARMACEUTICALS INC	HEALTHCARE	92532F100	14	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	887	4,091	SH		SOLE		3,991	100	0
VMWARE INC	INFORMATION TECHNOLOGY	928563402	9	75	SH		SOLE		75	0	0
VONTIER CORPORATION	INDUSTRIALS	928881101	2	74	SH		DFND		40	34	0
WALMART INC	CONSUMER STAPLES	931142103	962	6,649	SH		SOLE		6,369	280	0
WALMART INC	CONSUMER STAPLES	931142103	76	525	SH		DFND		525	0	0
WASTE MANAGEMENT INC NEW	INDUSTRIALS	94106L109	1,560	9,345	SH		SOLE		8,390	955	0
WASTE MANAGEMENT INC NEW	INDUSTRIALS	94106L109	219	1,310	SH		DFND		880	430	0
WAYFAIR INC CL A	CONSUMER DISCRETIONARY	94419L101	19	100	SH		SOLE		100	0	0
WELLS FARGO & CO NEW	FINANCIALS	949746101	46	969	SH		SOLE		749	220	0
WELLS FARGO & CO NEW	FINANCIALS	949746101	34	700	SH		DFND		700	0	0
WESTERN DIGITAL CORP	INFORMATION TECHNOLOGY	958102105	23	360	SH		SOLE		360	0	0
WHERE FOOD COMES FROM INC.	INDUSTRIALS	96327X200	5	320	SH		SOLE		320	0	0
WHIRLPOOL CORP	CONSUMER DISCRETIONARY	963320106	26	110	SH		SOLE		110	0	0
THE WILLIAMS CO. INC.	ENERGY	969457100	46	1,784	SH		SOLE		1,784	0	0
WISDOMTREE INVESTMENTS INC	FINANCIALS	97717P104	4	600	SH		SOLE		600	0	0
XCEL ENERGY INC	UTILITIES	98389B100	5	80	SH		SOLE		80	0	0
YUM BRANDS INC.	CONSUMER DISCRETIONARY	988498101	11	80	SH		SOLE		80	0	0
YUM BRANDS INC.	CONSUMER DISCRETIONARY	988498101	83	600	SH		DFND		0	600	0
ZEBRA TECHNOLOGIES CORP CLASS A	INFORMATION TECHNOLOGY	989207105	48	80	SH		SOLE		80	0	0
ZIMMER HOLDINGS INC.	HEALTHCARE	98956P102	66	521	SH		SOLE		21	500	0
ZOETIS INC	HEALTHCARE	98978V103	6	25	SH		SOLE		25	0	0
ZUORA INC	INFORMATION TECHNOLOGY	98983V106	9	494	SH		SOLE		494	0	0
ZYMERGEN INC.	MATERIALS	98985X100	4	550	SH		SOLE		550	0	0