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	13	625	SH		SOLE		625	0	0
ATLASSIAN CORPORATION PLC - CLASS A	FOREIGN EQUITIES	G06242104	29	100	SH		SOLE		100	0	0
ACCENTURE PLC	INFORMATION TECHNOLOGY	G1151C101	973	2,885	SH		SOLE		2,885	0	0
CAMBIUM NETWORKS CORPORATION	FOREIGN EQUITIES	G17766109	9	380	SH		SOLE		380	0	0
EATON CORP PLC	INDUSTRIALS	G29183103	24	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	9	875	SH		SOLE		875	0	0
APTIV PLC	CONSUMER DISCRETIONARY	G6095L109	4	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	9	340	SH		SOLE		340	0	0
VINCI PARTNERS INVESTMENTS LTD. - CLASS A	FINANCIALS	G9451V109	12	855	SH		SOLE		855	0	0
FIVERR INTERNATIONAL LTD.	FOREIGN EQUITIES	M4R82T106	21	270	SH		SOLE		270	0	0
JFROG LTD	FOREIGN EQUITIES	M6191J100	9	345	SH		SOLE		345	0	0
WIX.COM LTD	INFORMATION TECHNOLOGY	M98068105	13	128	SH		SOLE		128	0	0
ASML HOLDING N V N Y REGISTRY SHS	FOREIGN EQUITIES	N07059210	20	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	16	250	SH		DFND		0	250	0
AMC ENTMT HLDGS INC CL A COM	CONSUMER DISCRETIONARY	00165C104	2	100	SH		SOLE		100	0	0
AT&T INC.	COMMUNICATION SERVICES	00206R102	796	33,696	SH		SOLE		32,923	713	60
AT&T INC.	COMMUNICATION SERVICES	00206R102	153	6,460	SH		DFND		4,710	1,750	0
ARK AUTONOMOUS TECHNOLOGY & ROBOTICS ETF	INFORMATION TECHNOLOGY	00214Q203	21	310	SH		SOLE		310	0	0
ABBOTT LABS	HEALTHCARE	002824100	788	6,658	SH		SOLE		6,258	400	0
ABBOTT LABS	HEALTHCARE	002824100	143	1,205	SH		DFND		0	1,205	0
ABBVIE INC.	HEALTHCARE	00287Y109	2,130	13,137	SH		SOLE		12,642	495	0
ABBVIE INC.	HEALTHCARE	00287Y109	400	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	192	2,400	SH		SOLE		2,400	0	0
ADOBE INC	INFORMATION TECHNOLOGY	00724F101	422	927	SH		SOLE		927	0	0
AECOM TECHNOLOGY CORP	INFORMATION TECHNOLOGY	00766T100	1	16	SH		SOLE		16	0	0
ADVANCED MICRO DEVICES INC	INFORMATION TECHNOLOGY	007903107	545	4,987	SH		SOLE		4,987	0	0
ADVANCED MICRO DEVICES INC	INFORMATION TECHNOLOGY	007903107	11	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	169	678	SH		SOLE		678	0	0
ALIGN TECHNOLOGY INC.	HEALTHCARE	016255101	4	10	SH		SOLE		10	0	0
ALLSTATE CORP	FINANCIALS	020002101	152	1,100	SH		SOLE		800	300	0
ALTRIA GROUP, INC.	CONSUMER STAPLES	02209S103	160	3,066	SH		SOLE		3,066	0	0
AMAZON. COM, INC	CONSUMER DISCRETIONARY	023135106	6,044	1,854	SH		SOLE		1,844	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	354	1,894	SH		SOLE		1,857	0	37
AMERICAN EXPRESS	FINANCIALS	025816109	51	275	SH		DFND		0	275	0
AMERICAN TOWER CORPORATION	COMMUNICATION SERVICES	03027X100	896	3,565	SH		SOLE		3,565	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	495	2,048	SH		SOLE		2,048	0	0
AMGEN INCORPORATED	HEALTHCARE	031162100	117	484	SH		DFND		484	0	0
ANIXA BIOSCIENCES INC.	HEALTHCARE	03528H109	19	7,000	SH		SOLE		7,000	0	0
APPIAN CORPORATION	INFORMATION TECHNOLOGY	03782L101	17	280	SH		SOLE		280	0	0
APPLE INC	INFORMATION TECHNOLOGY	037833100	13,354	76,479	SH		SOLE		74,999	1,400	80
APPLE INC	INFORMATION TECHNOLOGY	037833100	475	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	1,049	7,960	SH		SOLE		7,960	0	0
ARISTA NETWORKS INC.	INFORMATION TECHNOLOGY	040413106	33	240	SH		SOLE		240	0	0
ARROW FINANCIAL CORPORATION	FINANCIALS	042744102	571	17,606	SH		SOLE		17,606	0	0
ASTRAZENECA PLC - ADR	HEALTHCARE	046353108	28	420	SH		SOLE		420	0	0
AUTODESK INC.	INFORMATION TECHNOLOGY	052769106	11	50	SH		SOLE		50	0	0
AUTOMATIC DATA PROCESSING INC	INFORMATION TECHNOLOGY	053015103	777	3,413	SH		SOLE		3,113	300	0
AUTOMATIC DATA PROCESSING INC	INFORMATION TECHNOLOGY	053015103	207	910	SH		DFND		0	910	0
AXON ENTERPRISE INC COM	INDUSTRIALS	05464C101	34	250	SH		SOLE		250	0	0
BP P.L.C.	ENERGY	055622104	56	1,890	SH		SOLE		1,890	0	0
BP PRUDHOE BAY ROYALTY TRUST	ENERGY	055630107	1	100	SH		SOLE		100	0	0
BM TECHNOLOGIES INC.	INDUSTRIALS	05591L107	8	880	SH		SOLE		880	0	0
BAIDU INC - SPON ADR	INFORMATION TECHNOLOGY	056752108	2	12	SH		SOLE		12	0	0
BANDWIDTH INC	INFORMATION TECHNOLOGY	05988J103	4	130	SH		SOLE		130	0	0
BANK OF AMERICA CORP	FINANCIALS	060505104	864	20,964	SH		SOLE		20,964	0	0
BANK OF NEW YORK MELLON CORP	FINANCIALS	064058100	34	691	SH		SOLE		691	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	78	1,000	SH		SOLE		1,000	0	0
BEAM GLOBAL COMMON STOCK	ENERGY	07373B109	6	300	SH		SOLE		300	0	0
BECTON DICKINSON & CO	HEALTHCARE	075887109	435	1,636	SH		SOLE		1,401	235	0
BERKSHIRE HATHAWAY INC. DEL CLASS B	FINANCIALS	084670702	3,314	9,391	SH		SOLE		9,391	0	0
BERKSHIRE HATHAWAY INC. DEL CLASS B	FINANCIALS	084670702	43	122	SH		DFND		0	122	0
BEST BUY	CONSUMER DISCRETIONARY	086516101	30	325	SH		SOLE		325	0	0
BEYOND MEAT INC COM	CONSUMER DISCRETIONARY	08862E109	0	10	SH		SOLE		10	0	0
BIOGEN INC	HEALTHCARE	09062X103	3	13	SH		SOLE		13	0	0
BLACKROCK INC	FINANCIALS	09247X101	1,147	1,501	SH		SOLE		1,501	0	0
BLACKROCK INC	FINANCIALS	09247X101	11	15	SH		DFND		0	15	0
BLINK CHARGING CO. - COMMON STOCK	CONSUMER DISCRETIONARY	09354A100	5	184	SH		SOLE		184	0	0
BLOOM ENERGY CORP COM CL A	ENERGY	093712107	5	200	SH		SOLE		200	0	0
BOEING	INDUSTRIALS	097023105	463	2,419	SH		SOLE		2,364	30	25
BOEING	INDUSTRIALS	097023105	86	450	SH		DFND		50	400	0
BRISTOL MYERS SQUIBB CO	HEALTHCARE	110122108	1,908	26,131	SH		SOLE		24,131	2,000	0
BRISTOL MYERS SQUIBB CO	HEALTHCARE	110122108	322	4,405	SH		DFND		3,000	1,405	0
CBOE GLOBAL MARKETS, INC.	FINANCIALS	12503M108	11	100	SH		SOLE		100	0	0
CME GROUP INC.	FINANCIALS	12572Q105	5	23	SH		SOLE		23	0	0
CRA INTERNATIONAL INC.	INDUSTRIALS	12618T105	9	105	SH		SOLE		105	0	0
CSX CORPORATION	INDUSTRIALS	126408103	851	22,730	SH		SOLE		22,730	0	0
CSX CORPORATION	INDUSTRIALS	126408103	135	3,600	SH		DFND		3,600	0	0
CVS HEALTH CORP	CONSUMER STAPLES	126650100	1,074	10,611	SH		SOLE		10,611	0	0
CANADIAN NATIONAL RAILWAY CO	FOREIGN EQUITIES	136375102	5	40	SH		SOLE		40	0	0
CANADIAN PACIFIC RAILWAY LTD	FOREIGN EQUITIES	13645T100	59	710	SH		SOLE		710	0	0
CANADIAN SOLAR INC COM	ENERGY	136635109	18	500	SH		SOLE		500	0	0
CAPITAL ONE FINANCIAL CORP	FINANCIALS	14040H105	12	90	SH		SOLE		90	0	0
CARGURUS INC COM CL A	CONSUMER DISCRETIONARY	141788109	42	1,000	SH		SOLE		1,000	0	0
CARRIER GLOBAL CORPORATION	INDUSTRIALS	14448C104	196	4,268	SH		SOLE		3,568	700	0
CARRIER GLOBAL CORPORATION	INDUSTRIALS	14448C104	53	1,165	SH		DFND		655	510	0
CASEY'S GENERAL STORES INC	CONSUMER DISCRETIONARY	147528103	14	70	SH		SOLE		70	0	0
CATERPILLAR INC	INDUSTRIALS	149123101	1,702	7,638	SH		SOLE		7,543	70	25
CATERPILLAR INC	INDUSTRIALS	149123101	414	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	37	1,200	SH		SOLE		1,200	0	0
CENTERPOINT ENERGY, INC	UTILITIES	15189T107	123	4,000	SH		DFND		4,000	0	0
CENTESSA PHARMACEUTICALS PLC	HEALTHCARE	152309100	8	925	SH		SOLE		925	0	0
CHEGG INC COM	CONSUMER DISCRETIONARY	163092109	9	250	SH		SOLE		250	0	0
CHEVRON CORPORATION	ENERGY	166764100	2,271	13,950	SH		SOLE		13,567	383	0
CHEVRON CORPORATION	ENERGY	166764100	342	2,101	SH		DFND		1,486	615	0
CHICO'S FASHION INC	CONSUMER DISCRETIONARY	168615102	10	2,025	SH		SOLE		2,025	0	0
CIENA CORP	INFORMATION TECHNOLOGY	171779309	2	30	SH		SOLE		30	0	0
CISCO SYSTEMS INC.	INFORMATION TECHNOLOGY	17275R102	1,837	32,947	SH		SOLE		32,382	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	224	4,186	SH		SOLE		4,186	0	0
CITIGROUP INC.	FINANCIALS	172967424	70	1,305	SH		DFND		1,305	0	0
CLEARPOINT NEURO INC.	HEALTHCARE	18507C103	9	880	SH		SOLE		880	0	0
CLOROX COMPANY	CONSUMER STAPLES	189054109	62	445	SH		SOLE		445	0	0
CLOROX COMPANY	CONSUMER STAPLES	189054109	28	200	SH		DFND		0	200	0
CLOUDFLARE INC CL A COM	INFORMATION TECHNOLOGY	18915M107	21	175	SH		SOLE		175	0	0
COCA COLA CO	CONSUMER STAPLES	191216100	1,564	25,222	SH		SOLE		22,667	2,555	0
COCA COLA CO	CONSUMER STAPLES	191216100	280	4,515	SH		DFND		3,430	1,085	0
COGNIZANT TECHNOLOGY SOLUTIONS CORP	INFORMATION TECHNOLOGY	192446102	9	100	SH		SOLE		100	0	0
COLGATE PALMOLIVE	CONSUMER STAPLES	194162103	759	10,011	SH		SOLE		9,976	0	35
COLGATE PALMOLIVE	CONSUMER STAPLES	194162103	121	1,594	SH		DFND		1,374	220	0
COMCAST CORP NEW CL A	CONSUMER DISCRETIONARY	20030N101	263	5,622	SH		SOLE		5,622	0	0
COMPASS PATHWAYS PLC	HEALTHCARE	20451W101	7	505	SH		SOLE		505	0	0
CONOCOPHILLIPS	ENERGY	20825C104	266	2,660	SH		SOLE		2,660	0	0
CONOCOPHILLIPS	ENERGY	20825C104	14	140	SH		DFND		20	120	0
CONSOLIDATED EDISON INC	UTILITIES	209115104	44	460	SH		SOLE		460	0	0
CORNING INC	INFORMATION TECHNOLOGY	219350105	458	12,405	SH		SOLE		12,405	0	0
COSTCO WHSL CORP NEW	CONSUMER STAPLES	22160K105	946	1,643	SH		SOLE		1,643	0	0
COUPA SOFTWARE INC COM	INFORMATION TECHNOLOGY	22266L106	10	100	SH		SOLE		100	0	0
CRONOS GROUP, INC.	CONSUMER DISCRETIONARY	22717L101	0	110	SH		SOLE		110	0	0
CROSSAMERICA PARTNERS LP	ENERGY	22758A105	120	5,500	SH		SOLE		5,500	0	0
CUBESMART COM	REAL ESTATE	229663109	4	75	SH		SOLE		75	0	0
CUMMINS INC	INDUSTRIALS	231021106	143	695	SH		SOLE		695	0	0
CUMMINS INC	INDUSTRIALS	231021106	23	110	SH		DFND		110	0	0
DNP SELECT INCOME FUND INC	FIXED INCOME	23325P104	18	1,500	SH		SOLE		1,500	0	0
D R HORTON INC	CONSUMER DISCRETIONARY	23331A109	14	190	SH		SOLE		190	0	0
DTE ENERGY CO	UTILITIES	233331107	61	465	SH		SOLE		465	0	0
DTE ENERGY CO	UTILITIES	233331107	92	695	SH		DFND		695	0	0
DANAHER CORP	HEALTHCARE	235851102	1,213	4,135	SH		SOLE		4,135	0	0
DANAHER CORP	HEALTHCARE	235851102	236	805	SH		DFND		500	305	0
DATADOG INC CLASS A	INFORMATION TECHNOLOGY	23804L103	64	425	SH		SOLE		425	0	0
DEERE & CO (JOHN DEERE)	INDUSTRIALS	244199105	538	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	6	120	SH		SOLE		120	0	0
DEVON ENERGY CORPORATION NEW	ENERGY	25179M103	22	375	SH		SOLE		375	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
DISNEY (WALT) COMPANY HOLDING CO	CONSUMER DISCRETIONARY	254687106	1,744	12,716	SH		SOLE		12,691	0	25
DISNEY (WALT) COMPANY HOLDING CO	CONSUMER DISCRETIONARY	254687106	179	1,308	SH		DFND		220	1,088	0
DISCOVER FINANCIAL SERVICES	FINANCIALS	254709108	48	440	SH		SOLE		440	0	0
DOCEBO INC.	INFORMATION TECHNOLOGY	25609L105	7	135	SH		SOLE		135	0	0
DOCUSIGN INC	INFORMATION TECHNOLOGY	256163106	25	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	32	200	SH		SOLE		200	0	0
DOMINION ENERGY, INC.	UTILITIES	25746U109	313	3,689	SH		SOLE		3,689	0	0
DOMINION ENERGY, INC.	UTILITIES	25746U109	90	1,060	SH		DFND		1,060	0	0
DOMINO'S PIZZA INC	CONSUMER DISCRETIONARY	25754A201	28	70	SH		SOLE		70	0	0
DOW INC.	MATERIALS	260557103	152	2,382	SH		SOLE		1,870	512	0
DOW INC.	MATERIALS	260557103	96	1,505	SH		DFND		1,420	85	0
DREAM FINDERS HOMES INC. - CLASS A	CONSUMER DISCRETIONARY	26154D100	10	615	SH		SOLE		615	0	0
DUKE ENERGY CORPORATION NEW	ENERGY	26441C204	300	2,683	SH		SOLE		2,683	0	0
DUKE ENERGY CORPORATION NEW	ENERGY	26441C204	90	802	SH		DFND		802	0	0
EBAY INC	CONSUMER DISCRETIONARY	278642103	12	207	SH		SOLE		207	0	0
ECOLAB INC.	MATERIALS	278865100	13	75	SH		SOLE		75	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	385	3,928	SH		SOLE		2,448	1,480	0
EMERSON ELECTRIC	INDUSTRIALS	291011104	168	1,715	SH		DFND		0	1,715	0
ENBRIDGE INC	ENERGY	29250N105	47	1,023	SH		SOLE		1,023	0	0
ENERGY TRANSFER LP COM UT LTD PTN	ENERGY	29273V100	7	582	SH		SOLE		582	0	0
ENTERGY CORPORATION	UTILITIES	29364G103	93	800	SH		DFND		800	0	0
ENTERPRISE PRODUCTS PARTNERS L.P.	ENERGY	293792107	181	7,011	SH		SOLE		7,011	0	0
EQUITY RESIDENTIAL SHARES OF BENEFICIAL INT	FINANCIALS	29476L107	4	50	SH		SOLE		50	0	0
ESPEY MFG. & ELECTRONICS CORP	INDUSTRIALS	296650104	80	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	25	205	SH		SOLE		205	0	0
EXACT SCIENCES CORP COM	HEALTHCARE	30063P105	16	225	SH		SOLE		225	0	0
EXELON CORP	UTILITIES	30161N101	63	1,315	SH		SOLE		1,040	275	0
EXELON CORP	UTILITIES	30161N101	52	1,090	SH		DFND		1,090	0	0
EXXON MOBIL CORP	ENERGY	30231G102	1,396	16,904	SH		SOLE		11,774	5,130	0
EXXON MOBIL CORP	ENERGY	30231G102	435	5,271	SH		DFND		2,217	3,054	0
META PLATFORMS INC	INFORMATION TECHNOLOGY	30303M102	1,470	6,609	SH		SOLE		6,504	105	0
META PLATFORMS INC	INFORMATION TECHNOLOGY	30303M102	16	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	5	310	SH		SOLE		310	0	0
FATHOM HOLDINGS INC.	REAL ESTATE	31189V109	2	230	SH		SOLE		230	0	0
FEDEX CORPORATION	INDUSTRIALS	31428X106	172	745	SH		SOLE		745	0	0
FEDEX CORPORATION	INDUSTRIALS	31428X106	29	125	SH		DFND		125	0	0
FIDELITY MSCI INFORMATION TECHNOLOGY INDEX ETF	INFORMATION TECHNOLOGY	316092808	305	2,475	SH		SOLE		2,475	0	0
FIDELITY TOTAL BOND ETF	EXCHANGE TRADED FUND-FIXED INC	316188309	14	286	SH		SOLE		286	0	0
FIFTH THIRD BANCORP	FINANCIALS	316773100	29	675	SH		SOLE		675	0	0
1STDIBS.COM INC	INFORMATION TECHNOLOGY	320551104	8	955	SH		SOLE		955	0	0
FIRST TRUST NASDAQ CLEAN EDGE GREEN ENERGY ETF	ENERGY	33733E500	120	1,861	SH		SOLE		1,861	0	0
FIRSTENERGY CORP	UTILITIES	337932107	3	55	SH		SOLE		55	0	0
FLEXSHARES GLOBAL UPSTREAM NATURAL RESOURCES IND	EXCHANGE TRADED FUND - EQUITY	33939L407	74	1,580	SH		SOLE		1,580	0	0
FORD MOTOR CO DEL	CONSUMER DISCRETIONARY	345370860	112	6,610	SH		SOLE		6,610	0	0
FORD MOTOR CO DEL	CONSUMER DISCRETIONARY	345370860	15	900	SH		DFND		0	900	0
FORTIVE CORPORATION	INFORMATION TECHNOLOGY	34959J108	17	287	SH		DFND		100	187	0
FREEPORT-MCMORAN COPPER & GOLD CLASS B	MATERIALS	35671D857	29	575	SH		SOLE		575	0	0
FRESHPET INC	CONSUMER STAPLES	358039105	8	75	SH		SOLE		75	0	0
FULGENT GENETICS INC.	HEALTHCARE	359664109	54	860	SH		SOLE		860	0	0
GAMESTOP CORP NEW CL A	CONSUMER DISCRETIONARY	36467W109	0	3	SH		SOLE		3	0	0
GENERAL DYNAMICS CORPORATION	INDUSTRIALS	369550108	660	2,736	SH		SOLE		2,736	0	0
GENERAL DYNAMICS CORPORATION	INDUSTRIALS	369550108	16	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	95	1,400	SH		DFND		1,400	0	0
GILEAD SCIENCES, INC.	HEALTHCARE	375558103	152	2,560	SH		SOLE		2,560	0	0
GILEAD SCIENCES, INC.	HEALTHCARE	375558103	9	150	SH		DFND		0	150	0
GLADSTONE COMMERCIAL CORP	CONSUMER DISCRETIONARY	376536108	26	1,170	SH		SOLE		1,170	0	0
GLADSTONE LAND CORPORATION	REAL ESTATE	376549101	11	300	SH		SOLE		300	0	0
GLAXO SMITHKLINE PLC SPON ADR	HEALTHCARE	37733W105	27	610	SH		SOLE		610	0	0
GLAXO SMITHKLINE PLC SPON ADR	HEALTHCARE	37733W105	83	1,905	SH		DFND		1,905	0	0
GROWGENERATION CORP COM	CONSUMER STAPLES	39986L109	0	25	SH		SOLE		25	0	0
GUARDANT HEALTH INC.	HEALTHCARE	40131M109	8	115	SH		SOLE		115	0	0
HSBC HOLDINGS PLC SPONS ADRS	FINANCIALS	404280406	21	607	SH		SOLE		607	0	0
HARLEY DAVIDSON	CONSUMER DISCRETIONARY	412822108	11	280	SH		SOLE		280	0	0
HELMERICH & PAYNE, INC.	ENERGY	423452101	1	20	SH		SOLE		20	0	0
THE HERSHEY COMPANY	CONSUMER STAPLES	427866108	26	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	2,638	8,815	SH		SOLE		7,810	1,005	0
HOME DEPOT INC	CONSUMER DISCRETIONARY	437076102	353	1,180	SH		DFND		400	780	0
HONEYWELL INTERNATIONAL INC	INDUSTRIALS	438516106	686	3,524	SH		SOLE		3,524	0	0
HUBSPOT INC.	INFORMATION TECHNOLOGY	443573100	76	160	SH		SOLE		160	0	0
ILLINOIS TOOL WORKS INC.	INDUSTRIALS	452308109	189	902	SH		SOLE		902	0	0
INTEL CORP	INFORMATION TECHNOLOGY	458140100	2,477	49,983	SH		SOLE		47,068	2,850	65
INTEL CORP	INFORMATION TECHNOLOGY	458140100	395	7,964	SH		DFND		5,649	2,315	0
CORECARD CORPORATION	INFORMATION TECHNOLOGY	45816D100	7	265	SH		SOLE		265	0	0
INTERACTIVE BROKERS GRO-CL A	FINANCIALS	45841N107	16	250	SH		SOLE		250	0	0
INTERCONTINENTAL EXCHANGE INCOM	FINANCIALS	45866F104	36	275	SH		SOLE		275	0	0
INTL BUSINESS MACHINES	INFORMATION TECHNOLOGY	459200101	597	4,594	SH		SOLE		4,594	0	0
INTL BUSINESS MACHINES	INFORMATION TECHNOLOGY	459200101	224	1,725	SH		DFND		753	972	0
INTERNATIONAL PAPER CO	MATERIALS	460146103	194	4,200	SH		SOLE		4,165	0	35
INTUITIVE SURGICAL INC	HEALTHCARE	46120E602	59	194	SH		SOLE		194	0	0
INVESCO S&P 500 EQUAL WEIGHT REAL ESTATE ETF	REAL ESTATE	46137V290	19	465	SH		SOLE		465	0	0
INVESCO GLOBAL WATER ETF	EXCHANGE TRADED FUND - EQUITY	46138E651	55	1,500	SH		SOLE		1,500	0	0
INVESCO EXCH TRADED FD TR IISOLAR ETF	ENERGY	46138G706	11	140	SH		SOLE		140	0	0
INVITAE CORP COM	HEALTHCARE	46185L103	1	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	87	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 MSCI SOUTH KOREA CAPPED ETF	EXCHANGE TRADED FUND - EQUITY	464286772	103	1,447	SH		SOLE		1,447	0	0
ISHARES S & P 100 ETF	MUTUAL FUND	464287101	1,471	7,055	SH		SOLE		7,055	0	0
ISHARES SELECT DIVIDEND ETF	EXCHANGE TRADED FUND - EQUITY	464287168	58	450	SH		SOLE		450	0	0
ISHARES TIPS BOND ETF	EXCHANGE TRADED FUND-FIXED INC	464287176	6,536	52,471	SH		SOLE		51,986	0	485
ISHARES TIPS BOND ETF	EXCHANGE TRADED FUND-FIXED INC	464287176	857	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 FUND - EQUITY	464287200	52	114	SH		SOLE		114	0	0
ISHARES CORE TOTAL US AGGREGATE BOND ETF-W	FIXED INCOME	46428722W	1,775	16,575	SH		SOLE		16,575	0	0
ISHARES CORE TOTAL US AGGREGATE BOND ETF	FIXED INCOME	464287226	5,229	48,821	SH		SOLE		48,821	0	0
ISHARES MSCI EMERGING MARKETS ETF	EXCHANGE TRADED FUND - EQUITY	464287234	51	1,140	SH		SOLE		1,140	0	0
ISHARES MSCI EAFE ETF FUND	EXCHANGE TRADED FUND - EQUITY	464287465	741	10,067	SH		SOLE		10,067	0	0
ISHARES MSCI EAFE ETF FUND	EXCHANGE TRADED FUND - EQUITY	464287465	35	470	SH		DFND		0	470	0
ISHARES RUSSELL MIDCAP ETF	EXCHANGE TRADED FUND - EQUITY	464287499	265	3,399	SH		SOLE		3,399	0	0
ISHARES CORE S&P MID CAP ETF	EXCHANGE TRADED FUND - EQUITY	464287507	552	2,058	SH		SOLE		2,058	0	0
ISHARES NASDAQ BIOTECHNOLOGYETF	HEALTHCARE	464287556	14	105	SH		SOLE		105	0	0
ISHARES RUSSELL 1000 VALUE INDEX FUND	EXCHANGE TRADED FUND - EQUITY	464287598	227	1,369	SH		SOLE		1,369	0	0
ISHARES RUSSELL 1000 GROWTH ETF	MUTUAL FUND	464287614	1,672	6,022	SH		SOLE		6,022	0	0
ISHARES RUSSELL 2000 GROWTH ETF	EXCHANGE TRADED FUND - EQUITY	464287648	410	1,602	SH		SOLE		1,602	0	0
ISHARES RUSSELL 2000 ETF	EXCHANGE TRADED FUND - EQUITY	464287655	174	848	SH		SOLE		848	0	0
ISHARES CORE S&P SMALL-CAP ETF	EXCHANGE TRADED FUND - EQUITY	464287804	3,603	33,398	SH		SOLE		33,318	0	80
ISHARES CORE S&P SMALL-CAP ETF	EXCHANGE TRADED FUND - EQUITY	464287804	160	1,483	SH		DFND		540	943	0
ETF ISHARES GLOBAL CLEAN ENERGY	ENERGY	464288224	107	4,960	SH		SOLE		4,960	0	0
ISHARES CORE US REIT ETF	REAL ESTATE	464288521	40	620	SH		SOLE		620	0	0
ISHARES MSCI KLD 400 SOCIAL	MUTUAL FUND	464288570	57	660	SH		SOLE		660	0	0
ISHARES DOW JONES US HOME CONSTRUCTION INDEX	EXCHANGE TRADED FUND - EQUITY	464288752	31	525	SH		SOLE		525	0	0
ISHARES MSCI USA ESG SELECT	EXCHANGE TRADED FUND - EQUITY	464288802	164	1,695	SH		SOLE		1,695	0	0
ISHARES MSCI EAFE GROWTH ETF	EXCHANGE TRADED FUND - EQUITY	464288885	74	768	SH		SOLE		768	0	0
ISHARES CORE MSCI EMERGING MARKET ETF	EXCHANGE TRADED FUND - EQUITY	46434G103	6	117	SH		SOLE		117	0	0
ISHARES MSCI SINGAPORE ETF	EXCHANGE TRADED FUND - EQUITY	46434G780	6	264	SH		DFND		264	0	0
ISSUER DIRECT CORPORATION	INFORMATION TECHNOLOGY	46520M204	10	320	SH		SOLE		320	0	0
JPMORGAN CHASE & CO COM	FINANCIALS	46625H100	2,848	20,896	SH		SOLE		19,856	1,015	25
JPMORGAN CHASE & CO COM	FINANCIALS	46625H100	133	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	4	70	SH		SOLE		70	0	0
JINKOSOLAR HOLDING COMPANY LTD	ENERGY	47759T100	1	25	SH		SOLE		25	0	0
JOHNSON & JOHNSON	HEALTHCARE	478160104	3,960	22,346	SH		SOLE		21,166	1,150	30
JOHNSON & JOHNSON	HEALTHCARE	478160104	610	3,440	SH		DFND		1,385	2,055	0
KELLOGG COMPANY	CONSUMER STAPLES	487836108	82	1,267	SH		DFND		1,267	0	0
KEYCORP NEW COM	FINANCIALS	493267108	12	542	SH		SOLE		542	0	0
KIMBERLY CLARK	CONSUMER STAPLES	494368103	219	1,780	SH		SOLE		1,710	70	0
KIMBERLY CLARK	CONSUMER STAPLES	494368103	123	1,000	SH		DFND		1,000	0	0
LAM RESEARCH CORP COMMON	HEALTHCARE	512807108	13	25	SH		SOLE		25	0	0
ELI LILLY & CO	HEALTHCARE	532457108	1,116	3,897	SH		SOLE		3,897	0	0
ELI LILLY & CO	HEALTHCARE	532457108	238	830	SH		DFND		750	80	0
LITHIA MOTORS INC CL A	CONSUMER DISCRETIONARY	536797103	15	50	SH		SOLE		50	0	0
LITTELFUSE INC	INFORMATION TECHNOLOGY	537008104	12	50	SH		SOLE		50	0	0
LOCKHEED MARTIN CORP	INDUSTRIALS	539830109	2,288	5,184	SH		SOLE		4,864	320	0
LOCKHEED MARTIN CORP	INDUSTRIALS	539830109	393	890	SH		DFND		890	0	0
LOOMIS SAYLES BOND FUND	FIXED INCOME	543495840	112	8,773	SH		SOLE		8,773	0	0
LOWES COMPANIES INC	CONSUMER DISCRETIONARY	548661107	543	2,688	SH		SOLE		2,613	0	75
LOWES COMPANIES INC	CONSUMER DISCRETIONARY	548661107	49	240	SH		DFND		240	0	0
LULULEMON ATHLETICA INC	CONSUMER DISCRETIONARY	550021109	15	40	SH		SOLE		40	0	0
LUMEN TECHNOLOGIES INC.	COMMUNICATION SERVICES	550241103	0	12	SH		SOLE		12	0	0
MPLX LP	ENERGY	55336V100	123	3,700	SH		SOLE		3,700	0	0
MANULIFE FINANCIAL	FINANCIALS	56501R106	14	645	SH		SOLE		645	0	0
MARATHON PETROLEUM CORPORATION	ENERGY	56585A102	98	1,150	SH		SOLE		1,150	0	0
MARKEL CORP HOLDING COMPANY	FINANCIALS	570535104	15	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	2	12	SH		SOLE		12	0	0
MASTERCARD INC - CLASS A	INFORMATION TECHNOLOGY	57636Q104	268	751	SH		SOLE		686	65	0
MCCORMICK & CO.	CONSUMER STAPLES	579780206	160	1,600	SH		SOLE		200	1,400	0
MCDONALDS CORP	CONSUMER DISCRETIONARY	580135101	2,422	9,793	SH		SOLE		8,993	785	15
MCDONALDS CORP	CONSUMER DISCRETIONARY	580135101	630	2,547	SH		DFND		1,200	1,347	0
MCKESSON CORPORATION	HEALTHCARE	58155Q103	118	385	SH		SOLE		385	0	0
MERCADOLIBRE INC	INFORMATION TECHNOLOGY	58733R102	21	18	SH		SOLE		18	0	0
MERCK & CO., INC	HEALTHCARE	58933Y105	721	8,783	SH		SOLE		8,463	320	0
MERCK & CO., INC	HEALTHCARE	58933Y105	155	1,885	SH		DFND		1,885	0	0
METLIFE INC	FINANCIALS	59156R108	1,035	14,733	SH		SOLE		14,703	0	30
METLIFE INC	FINANCIALS	59156R108	90	1,277	SH		DFND		1,277	0	0
MICROSOFT CORP	INFORMATION TECHNOLOGY	594918104	7,354	23,854	SH		SOLE		22,453	1,401	0
MICROSOFT CORP	INFORMATION TECHNOLOGY	594918104	461	1,495	SH		DFND		755	740	0
MILLERKNOLL INC.	CONSUMER DISCRETIONARY	600544100	3	85	SH		SOLE		85	0	0
MITEK SYSTEMS INC.	INFORMATION TECHNOLOGY	606710200	9	610	SH		SOLE		610	0	0
MONDELEZ INTERNATIONAL INC	CONSUMER STAPLES	609207105	123	1,956	SH		SOLE		956	1,000	0
MONGODB, INC.	INFORMATION TECHNOLOGY	60937P106	39	88	SH		SOLE		88	0	0
MORGAN STANLEY	FINANCIALS	617446448	504	5,772	SH		SOLE		5,772	0	0
NCR CORPORATION	INFORMATION TECHNOLOGY	62886E108	1	17	SH		SOLE		17	0	0
NIO INC SPON ADS	CONSUMER DISCRETIONARY	62914V106	9	440	SH		SOLE		440	0	0
NASDAQ STOCK MARKET INC	FINANCIALS	631103108	9	50	SH		SOLE		50	0	0
NETAPP, INC.	INFORMATION TECHNOLOGY	64110D104	8	100	SH		SOLE		100	0	0
NETFLIX INC	INFORMATION TECHNOLOGY	64110L106	476	1,272	SH		SOLE		1,272	0	0
NEW JERSEY RESOURCES CORP	UTILITIES	646025106	42	912	SH		SOLE		912	0	0
NEW RELIC INC	INFORMATION TECHNOLOGY	64829B100	4	65	SH		SOLE		65	0	0
NEWELL BRANDS INC	CONSUMER DISCRETIONARY	651229106	0	16	SH		SOLE		16	0	0
NEWMONT CORPORATION	MATERIALS	651639106	118	1,482	SH		SOLE		1,482	0	0
NEXTERA ENERGY INC	UTILITIES	65339F101	2,544	30,030	SH		SOLE		28,830	1,200	0
NEXTERA ENERGY INC	UTILITIES	65339F101	47	560	SH		DFND		0	560	0
NICE LTD - AMERICAN DEPOSITORY SHARES	INFORMATION TECHNOLOGY	653656108	7	30	SH		SOLE		30	0	0
NIKE, INC	CONSUMER DISCRETIONARY	654106103	1,030	7,652	SH		SOLE		7,652	0	0
NORTHROP GRUMMAN CORP	INDUSTRIALS	666807102	327	732	SH		SOLE		732	0	0
NOVARTIS AG - ADR	FOREIGN EQUITIES	66987V109	11	130	SH		SOLE		0	130	0
NOVAVAX INC	HEALTHCARE	670002401	17	231	SH		SOLE		231	0	0
NUCOR	MATERIALS	670346105	232	1,560	SH		SOLE		960	600	0
NUCOR	MATERIALS	670346105	119	800	SH		DFND		800	0	0
NVIDIA CORP.	INFORMATION TECHNOLOGY	67066G104	3,774	13,832	SH		SOLE		13,832	0	0
NUSHARES ETF TR NUVEEN ESG SMLCP	EXCHANGE TRADED FUND - EQUITY	67092P607	339	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	9	675	SH		SOLE		675	0	0
ORACLE CORPORATION	INFORMATION TECHNOLOGY	68389X105	692	8,363	SH		SOLE		8,363	0	0
ORACLE CORPORATION	INFORMATION TECHNOLOGY	68389X105	14	170	SH		DFND		0	170	0
OTIS WORLDWIDE CORPORATION	INDUSTRIALS	68902V107	164	2,130	SH		SOLE		1,780	350	0
OTIS WORLDWIDE CORPORATION	INDUSTRIALS	68902V107	45	582	SH		DFND		327	255	0
OUTSET MEDICAL INC.	HEALTHCARE	690145107	13	280	SH		SOLE		280	0	0
P G & E CORP	UTILITIES	69331C108	0	10	SH		SOLE		10	0	0
PNC FINANCIAL SERVICES GROUP INC	FINANCIALS	693475105	60	323	SH		SOLE		323	0	0
PPL CORP	UTILITIES	69351T106	3	100	SH		SOLE		100	0	0
PACIRA BIOSCIENCES, INC	HEALTHCARE	695127100	46	600	SH		SOLE		600	0	0
PALO ALTO NETWORKS INC	INFORMATION TECHNOLOGY	697435105	9	15	SH		SOLE		15	0	0
PARKER HANNIFIN CORP	MATERIALS	701094104	1	5	SH		SOLE		5	0	0
PELOTON INTERACTIVE INC CLASS A	CONSUMER DISCRETIONARY	70614W100	13	510	SH		SOLE		510	0	0
PEPSICO INC	CONSUMER STAPLES	713448108	3,134	18,727	SH		SOLE		18,432	295	0
PEPSICO INC	CONSUMER STAPLES	713448108	599	3,580	SH		DFND		1,815	1,765	0
PERKIN ELMER, INC	INFORMATION TECHNOLOGY	714046109	5	30	SH		SOLE		30	0	0
PFIZER INC	HEALTHCARE	717081103	2,054	39,676	SH		SOLE		37,120	2,556	0
PFIZER INC	HEALTHCARE	717081103	217	4,200	SH		DFND		3,800	400	0
PHILIP MORRIS INTERNATIONAL W/I	CONSUMER DISCRETIONARY	718172109	136	1,446	SH		SOLE		1,446	0	0
PHILLIPS 66	ENERGY	718546104	728	8,430	SH		SOLE		8,220	210	0
PHILLIPS 66	ENERGY	718546104	117	1,357	SH		DFND		1,255	102	0
PINTEREST INC CL A	COMMUNICATION SERVICES	72352L106	23	915	SH		SOLE		915	0	0
PLAINS ALL AMERICAN PIPELINE	ENERGY	726503105	116	10,800	SH		SOLE		10,800	0	0
PLUG POWER INC.	INFORMATION TECHNOLOGY	72919P202	39	1,370	SH		SOLE		1,370	0	0
POST HOLDINGS INC	CONSUMER STAPLES	737446104	3	50	SH		SOLE		50	0	0
T ROWE PRICE GROUP INC	FINANCIALS	74144T108	57	375	SH		SOLE		375	0	0
T ROW PRICE US BOND INDEX FUND	FIXED INCOME	741495105	144	13,584	SH		SOLE		13,584	0	0
PROCTER & GAMBLE CO	CONSUMER STAPLES	742718109	4,038	26,428	SH		SOLE		24,721	1,672	35
PROCTER & GAMBLE CO	CONSUMER STAPLES	742718109	695	4,550	SH		DFND		2,620	1,930	0
PRUDENTIAL FINANCIAL INC	FINANCIALS	744320102	353	2,988	SH		SOLE		2,988	0	0
PRUDENTIAL FINANCIAL INC	FINANCIALS	744320102	86	730	SH		DFND		730	0	0
PUBLIC SERVICE ENTERPRISE GROUP, INC	UTILITIES	744573106	34	492	SH		SOLE		492	0	0
PUBMATIC INC COM CL A	CONSUMER DISCRETIONARY	74467Q103	17	664	SH		SOLE		664	0	0
QUALCOMM INC	INFORMATION TECHNOLOGY	747525103	1,639	10,726	SH		SOLE		10,461	235	30
QUANTA SERVICES INC	INDUSTRIALS	74762E102	94	712	SH		SOLE		712	0	0
QUIDEL CORP COM	HEALTHCARE	74838J101	11	100	SH		SOLE		100	0	0
REATA PHARMACEUTICALS INC.	HEALTHCARE	75615P103	2	55	SH		SOLE		55	0	0
REGENERON PHARMACEUTICALS	HEALTHCARE	75886F107	274	393	SH		SOLE		393	0	0
REPLIGEN CORPORATION	HEALTHCARE	759916109	47	250	SH		SOLE		250	0	0
RIMINI STREET INC.	INFORMATION TECHNOLOGY	76674Q107	9	1,565	SH		SOLE		1,565	0	0
RIO TINTO PLC	MATERIALS	767204100	121	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	12	95	SH		SOLE		95	0	0
SPDR S & P 500 ETF TRUST	EXCHANGE TRADED FUND - EQUITY	78462F103	19,839	43,926	SH		SOLE		43,926	0	0
SPDR S & P 500 ETF TRUST	EXCHANGE TRADED FUND - EQUITY	78462F103	702	1,555	SH		DFND		1,020	535	0
SPDR GOLD TRUST	MUTUAL FUND	78463V107	209	1,159	SH		SOLE		1,159	0	0
SPDR LOW CARBON TARGET ETF	EXCHANGE TRADED FUND - EQUITY	78463X194	16	125	SH		SOLE		125	0	0
SPDR PORTFOLIO TIP ETF	EXCHANGE TRADED FUND-FIXED INC	78464A656	34	1,131	SH		SOLE		1,131	0	0
SPDR S&P DIVIDEND ETF	EXCHANGE TRADED FUND - EQUITY	78464A763	353	2,755	SH		SOLE		2,755	0	0
ETF SPDR S&P BIOTECH	HEALTHCARE	78464A870	599	6,665	SH		SOLE		6,665	0	0
S&P MIDCAP 400 DEPOSITORY RECEIPTS ETF -W	MUTUAL FUND	78467Y10W	97	198	SH		SOLE		198	0	0
S & P MIDCAP 400 DEPOSITORY RECEIPTS ETF	MUTUAL FUND	78467Y107	5,489	11,192	SH		SOLE		11,140	0	52
S & P MIDCAP 400 DEPOSITORY RECEIPTS ETF	MUTUAL FUND	78467Y107	277	565	SH		DFND		230	335	0
SPDR SER TR S&P KENSHO SMART	INFORMATION TECHNOLOGY	78468R689	13	275	SH		SOLE		275	0	0
SPDR SER TR S&P KENSHO SMART	INFORMATION TECHNOLOGY	78468R689	11	225	SH		DFND		0	225	0
SPDR NUVEEN BLOOMBERG BARCLAY MUNICIPAL BOND ETF	EXCHANGE TRADED FUND-FIXED INC	78468R721	72	1,500	SH		SOLE		1,500	0	0
SPDR GENDER DIVERSITY INDEX ETF	EXCHANGE TRADED FUND - EQUITY	78468R747	22	235	SH		SOLE		235	0	0
SALESFORCE.COM, INC.	INFORMATION TECHNOLOGY	79466L302	241	1,133	SH		SOLE		1,133	0	0
SANOFI ADR	FOREIGN EQUITIES	80105N105	6	120	SH		SOLE		120	0	0
SCHLUMBERGER LTD	ENERGY	806857108	12	300	SH		SOLE		300	0	0
SCHLUMBERGER LTD	ENERGY	806857108	12	300	SH		DFND		0	300	0
SCHWAB U.S. SMALL-CAP ETF	EXCHANGE TRADED FUND - EQUITY	808524607	12	262	SH		SOLE		262	0	0
SCHWAB FUNDAMENTAL EMERGING MARKETS LARGE COMPNY	EXCHANGE TRADED FUND - EQUITY	808524730	6	214	SH		SOLE		214	0	0
SCHWAB FUNDAMENTAL INTERNATIONAL SMALL COMPANY	EXCHANGE TRADED FUND - EQUITY	808524748	8	215	SH		SOLE		215	0	0
SCWAB FUNDAMENTAL INTERNATIONAL LARGE COMPANY	EXCHANGE TRADED FUND - EQUITY	808524755	12	361	SH		SOLE		361	0	0
SCHWAB FUNDAMENTAL U.S. SMALL COMPANY INDEX ETF	EXCHANGE TRADED FUND - EQUITY	808524763	11	205	SH		SOLE		205	0	0
SCHWAB FUNDAMENTAL U.S. LARGE COMPANY INDEX ETF	EXCHANGE TRADED FUND - EQUITY	808524771	23	385	SH		SOLE		385	0	0
SCHWAB INTERNATIONAL EQUITY ETF	EXCHANGE TRADED FUND - EQUITY	808524805	7	178	SH		SOLE		178	0	0
SCHWAB U.S. TIPS ETF	EXCHANGE TRADED FUND-FIXED INC	808524870	28	459	SH		SOLE		459	0	0
MATERIAL SELECT SECTOR SPDR TRUST	MATERIALS	81369Y100	218	2,475	SH		SOLE		2,475	0	0
CONSUMER STAPLES SELECT SECTOR SPDR FUND	CONSUMER STAPLES	81369Y308	62	816	SH		SOLE		816	0	0
CONSUMER DISCRETIONARY SELE CT SECTOR SPDR FUND	CONSUMER DISCRETIONARY	81369Y407	112	605	SH		SOLE		605	0	0
ENERGY SELECT SECTOR SPDR FUND	ENERGY	81369Y506	37	480	SH		SOLE		480	0	0
FINANCIAL SELECT SECTOR SPDR FUND	FINANCIALS	81369Y605	724	18,905	SH		SOLE		18,905	0	0
INDUSTRIAL SELECT SECTOR SPDR FUND	INDUSTRIALS	81369Y704	29	280	SH		SOLE		280	0	0
TECHNOLOGY SELECT SECT SPDR	INFORMATION TECHNOLOGY	81369Y803	931	5,856	SH		SOLE		5,856	0	0
TECHNOLOGY SELECT SECT SPDR	INFORMATION TECHNOLOGY	81369Y803	72	450	SH		DFND		0	450	0
COMMUNICATION SERVICES SELECT SECTOR SPDR FUND	COMMUNICATION SERVICES	81369Y852	114	1,661	SH		SOLE		1,661	0	0
AMEX UTILITIES SELECT INDEX SHS BEN INT	UTILITIES	81369Y886	218	2,930	SH		SOLE		2,930	0	0
SEMPRA	UTILITIES	816851109	145	860	SH		SOLE		860	0	0
SHERWIN WILLIAMS COMPANY	CONSUMER DISCRETIONARY	824348106	22	90	SH		SOLE		90	0	0
SCHOCKWAVE MEDICAL INC	HEALTHCARE	82489T104	26	127	SH		SOLE		127	0	0
SIEMENS AG	FOREIGN EQUITIES	826197501	22	315	SH		SOLE		315	0	0
SIMON PROPERTY GROUP	REAL ESTATE	828806109	21	156	SH		SOLE		156	0	0
SIX FLAGS ENTERTAINMENT CORPORATION	CONSUMER DISCRETIONARY	83001A102	14	315	SH		SOLE		315	0	0
SMITH-MIDLAND CORPORATION	INDUSTRIALS	832156103	6	330	SH		SOLE		330	0	0
J.M. SMUCKER COMPANY	CONSUMER STAPLES	832696405	217	1,606	SH		SOLE		655	951	0
SNAP-ON INC	CONSUMER DISCRETIONARY	833034101	39	189	SH		SOLE		189	0	0
SONY GROUP CORP	FOREIGN EQUITIES	835699307	18	180	SH		SOLE		180	0	0
SOUTHERN CO	UTILITIES	842587107	816	11,256	SH		SOLE		10,641	615	0
SOUTHERN CO	UTILITIES	842587107	243	3,345	SH		DFND		2,600	745	0
SOUTHWEST AIRLINES	INDUSTRIALS	844741108	21	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	7	50	SH		SOLE		50	0	0
STARBUCKS CORPORATION	CONSUMER DISCRETIONARY	855244109	343	3,775	SH		SOLE		3,775	0	0
STARBUCKS CORPORATION	CONSUMER DISCRETIONARY	855244109	8	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	2	195	SH		SOLE		195	0	0
STRYKER CORP	HEALTHCARE	863667101	1,068	3,994	SH		SOLE		3,994	0	0
STRYKER CORP	HEALTHCARE	863667101	67	250	SH		DFND		140	110	0
SUMMIT THERAPEUTICS INC.	HEALTHCARE	86627T108	6	2,500	SH		SOLE		2,500	0	0
SUNCOR ENERGY INC NEW	FOREIGN EQUITIES	867224107	18	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	18	220	SH		SOLE		220	0	0
TJX COS INC NEW	CONSUMER DISCRETIONARY	872540109	66	1,091	SH		SOLE		1,091	0	0
TAKE-TWO INTERACTIVE SOFTWARE, INC.	INFORMATION TECHNOLOGY	874054109	15	95	SH		SOLE		95	0	0
TARGET CORP	CONSUMER DISCRETIONARY	87612E106	851	4,009	SH		SOLE		3,837	130	42
TARGET CORP	CONSUMER DISCRETIONARY	87612E106	187	880	SH		DFND		0	880	0
TELADOC HEALTH INC.	HEALTHCARE	87918A105	24	327	SH		SOLE		327	0	0
TERADATA CORPORATION	INFORMATION TECHNOLOGY	88076W103	1	17	SH		SOLE		17	0	0
TESLA MOTORS INC	CONSUMER DISCRETIONARY	88160R101	1,536	1,425	SH		SOLE		1,425	0	0
TEXAS INSTRUMENTS	INFORMATION TECHNOLOGY	882508104	78	424	SH		SOLE		424	0	0
TEXTRON INC	INDUSTRIALS	883203101	5	65	SH		SOLE		65	0	0
THE TRADE DESK, INC.	INFORMATION TECHNOLOGY	88339J105	55	800	SH		SOLE		800	0	0
3M CO COM	INDUSTRIALS	88579Y101	447	3,004	SH		SOLE		2,489	515	0
3M CO COM	INDUSTRIALS	88579Y101	117	785	SH		DFND		785	0	0
TILRAY BRANDS CL 2	HEALTHCARE	88688T100	0	55	SH		SOLE		55	0	0
TORONTO-DOMINION BANK NEW	FOREIGN EQUITIES	891160509	28	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
TRANSMEDICS GROUP INC.	HEALTHCARE	89377M109	12	460	SH		SOLE		460	0	0
TRAVELERS COS INC	FINANCIALS	89417E109	124	680	SH		SOLE		680	0	0
TWILIO INC. - A	INFORMATION TECHNOLOGY	90138F102	19	113	SH		SOLE		113	0	0
US BANCORP DEL COM NEW	FINANCIALS	902973304	128	2,408	SH		SOLE		2,408	0	0
US BANCORP DEL COM NEW	FINANCIALS	902973304	1	20	SH		DFND		20	0	0
UNILEVER PLC	FOREIGN EQUITIES	904767704	9	205	SH		SOLE		35	170	0
UNION PACIFIC CORP	INDUSTRIALS	907818108	254	929	SH		SOLE		929	0	0
UNITED PARCEL SERVICE	INDUSTRIALS	911312106	496	2,311	SH		SOLE		2,311	0	0
UNITEDHEALTH GROUP INC	HEALTHCARE	91324P102	1,432	2,809	SH		SOLE		2,809	0	0
UNIVERSAL DISPLAY CORP	INFORMATION TECHNOLOGY	91347P105	3	17	SH		SOLE		17	0	0
UPSTART HLDGS INC COM	FINANCIALS	91680M107	16	150	SH		SOLE		150	0	0
VAIL RESORTS INC.	CONSUMER DISCRETIONARY	91879Q109	4	15	SH		SOLE		15	0	0
VALERO ENERGY NEW	ENERGY	91913Y100	412	4,061	SH		SOLE		3,946	115	0
VALERO ENERGY NEW	ENERGY	91913Y100	80	792	SH		DFND		792	0	0
VANECK GREEN BOND -E TF	EXCHANGE TRADED FUND-FIXED INC	92189F171	11	435	SH		SOLE		435	0	0
VANECK SEMICONDUCTOR ETF	INFORMATION TECHNOLOGY	92189F676	31	115	SH		SOLE		115	0	0
VANGUARD DIVIDEND APPRECIATION INDEX FUND	EXCHANGE TRADED FUND - EQUITY	921908844	102	627	SH		SOLE		627	0	0
ETF VANGUARD TOTAL INTL STOCK	MUTUAL FUND	921909768	883	14,785	SH		SOLE		14,785	0	0
VANGUARD SHORT-TERM BOND ETF	EXCHANGE TRADED FUND-FIXED INC	921937827	16	207	SH		SOLE		207	0	0
VANGUARD TOTAL BOND MARKET FUND ETF	FIXED INCOME	921937835	536	6,741	SH		SOLE		6,741	0	0
VANGUARD FTSE DEVELOPED MARKET ETF	MUTUAL FUND	921943858	633	13,191	SH		SOLE		13,191	0	0
ETF VANUARD FINANCIALS ETF	FINANCIALS	92204A405	187	2,000	SH		SOLE		2,000	0	0
VANGUARD COMMUNICATION SERVICES ETF	COMMUNICATION SERVICES	92204A884	9	74	SH		SOLE		74	0	0
VANGUARD FTSE ALL-WLD EX-US SMCP IDX ETF	EXCHANGE TRADED FUND - EQUITY	922042718	3	27	SH		SOLE		27	0	0
VANGUARD MSCI EMERGING MARKETS ETF	EXCHANGE TRADED FUND - EQUITY	922042858	214	4,640	SH		SOLE		4,640	0	0
VANGUARD MSCI EMERGING MARKETS ETF	EXCHANGE TRADED FUND - EQUITY	922042858	59	1,285	SH		DFND		910	375	0
ETF VANGUARD RUSSELL 3000	MUTUAL FUND	92206C599	4,964	24,340	SH		SOLE		24,340	0	0
ETF VANGUARD RUSSELL 3000	MUTUAL FUND	92206C599	261	1,280	SH		DFND		1,280	0	0
ETF VANGUARD RUSSELL 2000	MUTUAL FUND	92206C664	87	1,053	SH		SOLE		1,053	0	0
VANGUARD REAL ESTATE ETF	REAL ESTATE	922908553	37	340	SH		SOLE		240	100	0
VANGUARD REAL ESTATE ETF	REAL ESTATE	922908553	21	195	SH		DFND		0	195	0
VANGUARD MID-CAP ETF	EXCHANGE TRADED FUND - EQUITY	922908629	1,427	6,000	SH		SOLE		6,000	0	0
VANGUARD GROWTH ETF	EXCHANGE TRADED FUND - EQUITY	922908736	1,275	4,435	SH		SOLE		4,435	0	0
VANGUARD VALUE ETF	EXCHANGE TRADED FUND - EQUITY	922908744	54	365	SH		SOLE		365	0	0
VANGUARD SMALL CAP ETF	EXCHANGE TRADED FUND - EQUITY	922908751	5	24	SH		SOLE		24	0	0
VANGUARD TOTAL STOCK MARKET ETF	MUTUAL FUND	922908769	1,014	4,452	SH		SOLE		4,452	0	0
VERIZON COMMUNICATIONS INC	COMMUNICATION SERVICES	92343V104	1,858	36,475	SH		SOLE		34,893	1,582	0
VERIZON COMMUNICATIONS INC	COMMUNICATION SERVICES	92343V104	291	5,709	SH		DFND		3,587	2,122	0
VERISK ANALYTICS INC	INDUSTRIALS	92345Y106	23	105	SH		SOLE		105	0	0
VERTEX PHARMACEUTICALS INC	HEALTHCARE	92532F100	75	288	SH		SOLE		288	0	0
VILLAGE FARMS INTL INC COM	FOREIGN EQUITIES	92707Y108	0	90	SH		SOLE		90	0	0
VISA INC - CLASS A SHARES	INFORMATION TECHNOLOGY	92826C839	1,143	5,155	SH		SOLE		5,055	100	0
VMWARE INC	INFORMATION TECHNOLOGY	928563402	9	79	SH		SOLE		79	0	0
VONTIER CORPORATION	INDUSTRIALS	928881101	2	74	SH		DFND		40	34	0
WALMART INC	CONSUMER STAPLES	931142103	1,024	6,878	SH		SOLE		6,598	280	0
WALMART INC	CONSUMER STAPLES	931142103	19	125	SH		DFND		125	0	0
WASTE MANAGEMENT INC NEW	INDUSTRIALS	94106L109	1,563	9,862	SH		SOLE		8,907	955	0
WASTE MANAGEMENT INC NEW	INDUSTRIALS	94106L109	208	1,310	SH		DFND		880	430	0
WAYFAIR INC CL A	CONSUMER DISCRETIONARY	94419L101	11	100	SH		SOLE		100	0	0
WELLS FARGO & CO NEW	FINANCIALS	949746101	52	1,079	SH		SOLE		859	220	0
WELLS FARGO & CO NEW	FINANCIALS	949746101	34	700	SH		DFND		700	0	0
WESTERN DIGITAL CORP	INFORMATION TECHNOLOGY	958102105	18	360	SH		SOLE		360	0	0
WHERE FOOD COMES FROM INC.	INDUSTRIALS	96327X200	8	700	SH		SOLE		700	0	0
WHIRLPOOL CORP	CONSUMER DISCRETIONARY	963320106	19	110	SH		SOLE		110	0	0
THE WILLIAMS CO. INC.	ENERGY	969457100	105	3,140	SH		SOLE		3,140	0	0
THE WILLIAMS CO. INC.	ENERGY	969457100	104	3,100	SH		DFND		3,100	0	0
WISDOMTREE INVESTMENTS INC	FINANCIALS	97717P104	4	600	SH		SOLE		600	0	0
XCEL ENERGY INC	UTILITIES	98389B100	47	657	SH		SOLE		657	0	0
YUM BRANDS INC.	CONSUMER DISCRETIONARY	988498101	21	180	SH		SOLE		180	0	0
YUM BRANDS INC.	CONSUMER DISCRETIONARY	988498101	71	600	SH		DFND		0	600	0
ZEBRA TECHNOLOGIES CORP CLASS A	INFORMATION TECHNOLOGY	989207105	33	80	SH		SOLE		80	0	0
ZIMMER HOLDINGS INC.	HEALTHCARE	98956P102	67	521	SH		SOLE		21	500	0
ZOETIS INC	HEALTHCARE	98978V103	5	25	SH		SOLE		25	0	0
ZUORA INC	INFORMATION TECHNOLOGY	98983V106	7	494	SH		SOLE		494	0	0
ZYMERGEN INC.	MATERIALS	98985X100	5	1,895	SH		SOLE		1,895	0	0