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
ALLEGION PLC	FOREIGN EQUITIES	G0176J109	20	200	SH		SOLE		200	0	0
ARCO PLATFORM LIMITED -CLASS A	FOREIGN EQUITIES	G04553106	9	625	SH		SOLE		625	0	0
ATLASSIAN CORPORATION PLC - CLASS A	FOREIGN EQUITIES	G06242104	19	100	SH		SOLE		100	0	0
ACCENTURE PLC	INFORMATION TECHNOLOGY	G1151C101	849	3,058	SH		SOLE		3,058	0	0
CAMBIUM NETWORKS CORPORATION	FOREIGN EQUITIES	G17766109	6	380	SH		SOLE		380	0	0
EATON CORP PLC	INDUSTRIALS	G29183103	64	508	SH		SOLE		508	0	0
INVESCO LIMITED	FINANCIALS	G491BT108	1	50	SH		SOLE		50	0	0
KINIKSA PHARMACEUTICALS LTD. -CLASS A	FOREIGN EQUITIES	G5269C101	8	875	SH		SOLE		875	0	0
APTIV PLC	CONSUMER DISCRETIONARY	G6095L109	3	35	SH		SOLE		35	0	0
NORWEGIAN CRUISE LINE HOLDINGS LTD	CONSUMER DISCRETIONARY	G66721104	1	100	SH		SOLE		100	0	0
NOVOCURE LIMITED	HEALTHCARE	G6674U108	7	100	SH		SOLE		100	0	0
SMART GLOBAL HOLDINGS INC.	FOREIGN EQUITIES	G8232Y101	6	340	SH		SOLE		340	0	0
VINCI PARTNERS INVESTMENTS LTD. - CLASS A	FINANCIALS	G9451V109	9	855	SH		SOLE		855	0	0
FIVERR INTERNATIONAL LTD.	FOREIGN EQUITIES	M4R82T106	9	270	SH		SOLE		270	0	0
JFROG LTD	FOREIGN EQUITIES	M6191J100	7	345	SH		SOLE		345	0	0
WIX.COM LTD	INFORMATION TECHNOLOGY	M98068105	8	128	SH		SOLE		128	0	0
ASML HOLDING N V N Y REGISTRY SHS	FOREIGN EQUITIES	N07059210	14	30	SH		SOLE		30	0	0
FLEXTRONICS INTL	INFORMATION TECHNOLOGY	Y2573F102	14	950	SH		SOLE		950	0	0
AFLAC INC.	FINANCIALS	001055102	1	16	SH		SOLE		16	0	0
AFLAC INC.	FINANCIALS	001055102	14	250	SH		DFND		0	250	0
AMC ENTMT HLDGS INC CL A COM	CONSUMER DISCRETIONARY	00165C104	1	100	SH		SOLE		100	0	0
AT&T INC.	COMMUNICATION SERVICES	00206R102	735	35,090	SH		SOLE		34,317	713	60
AT&T INC.	COMMUNICATION SERVICES	00206R102	127	6,070	SH		DFND		4,710	1,360	0
ARK AUTONOMOUS TECHNOLOGY & ROBOTICS ETF	INFORMATION TECHNOLOGY	00214Q203	16	310	SH		SOLE		310	0	0
ABBOTT LABS	HEALTHCARE	002824100	768	7,066	SH		SOLE		6,666	400	0
ABBOTT LABS	HEALTHCARE	002824100	131	1,205	SH		DFND		0	1,205	0
ABBVIE INC.	HEALTHCARE	00287Y109	2,096	13,685	SH		SOLE		13,190	495	0
ABBVIE INC.	HEALTHCARE	00287Y109	362	2,365	SH		DFND		1,250	1,115	0
ABIOMED INC	HEALTHCARE	003654100	2	10	SH		SOLE		10	0	0
ACTIVISION BLIZZARD, INC.	INFORMATION TECHNOLOGY	00507V109	187	2,400	SH		SOLE		2,400	0	0
ADOBE INC	INFORMATION TECHNOLOGY	00724F101	382	1,043	SH		SOLE		1,043	0	0
AECOM TECHNOLOGY CORP	INFORMATION TECHNOLOGY	00766T100	1	16	SH		SOLE		16	0	0
ADVANCED MICRO DEVICES INC	INFORMATION TECHNOLOGY	007903107	442	5,783	SH		SOLE		5,783	0	0
ADVANCED MICRO DEVICES INC	INFORMATION TECHNOLOGY	007903107	8	100	SH		DFND		0	0	100
AEGON N.V.	FINANCIALS	007924103	0	22	SH		SOLE		22	0	0
INVESCO INTERNATIONAL GROWTH FUND	MUTUAL FUND	008882532	2	71	SH		SOLE		71	0	0
AIR PRODUCTS & CHEMICALS INC	MATERIALS	009158106	211	878	SH		SOLE		878	0	0
ALIGN TECHNOLOGY INC.	HEALTHCARE	016255101	2	10	SH		SOLE		10	0	0
ALLSTATE CORP	FINANCIALS	020002101	139	1,100	SH		SOLE		800	300	0
ALTRIA GROUP, INC.	CONSUMER STAPLES	02209S103	161	3,854	SH		SOLE		3,854	0	0
AMAZON. COM, INC	CONSUMER DISCRETIONARY	023135106	4,042	38,055	SH		SOLE		37,855	200	0
AMAZON. COM, INC	CONSUMER DISCRETIONARY	023135106	21	200	SH		DFND		200	0	0
AMERICAN ELEC PWR INC	UTILITIES	025537101	43	452	SH		SOLE		452	0	0
AMERICAN EXPRESS	FINANCIALS	025816109	272	1,963	SH		SOLE		1,926	0	37
AMERICAN EXPRESS	FINANCIALS	025816109	38	275	SH		DFND		0	275	0
AMERICAN TOWER CORPORATION	COMMUNICATION SERVICES	03027X100	932	3,645	SH		SOLE		3,645	0	0
AMERICAN WATER WORKS INC.	CONSUMER DISCRETIONARY	030420103	5	36	SH		SOLE		36	0	0
AMERIPRISE FINANCIAL INC.	FINANCIALS	03076C106	1	4	SH		SOLE		4	0	0
AMGEN INCORPORATED	HEALTHCARE	031162100	524	2,154	SH		SOLE		2,154	0	0
AMGEN INCORPORATED	HEALTHCARE	031162100	118	484	SH		DFND		484	0	0
ANIXA BIOSCIENCES INC.	HEALTHCARE	03528H109	21	7,000	SH		SOLE		7,000	0	0
APPIAN CORPORATION	INFORMATION TECHNOLOGY	03782L101	13	280	SH		SOLE		280	0	0
APPLE INC	INFORMATION TECHNOLOGY	037833100	10,537	77,073	SH		SOLE		75,593	1,400	80
APPLE INC	INFORMATION TECHNOLOGY	037833100	372	2,720	SH		DFND		2,560	160	0
APPLE HOSPITALTIY REIT INC COMMON SHARES	REAL ESTATE	03784Y200	2	161	SH		SOLE		161	0	0
APPLIED MATL INC	INFORMATION TECHNOLOGY	038222105	781	8,585	SH		SOLE		8,585	0	0
ARISTA NETWORKS INC.	INFORMATION TECHNOLOGY	040413106	22	240	SH		SOLE		240	0	0
ARROW FINANCIAL CORPORATION	FINANCIALS	042744102	628	19,758	SH		SOLE		19,758	0	0
ASTRAZENECA PLC - ADR	HEALTHCARE	046353108	28	420	SH		SOLE		420	0	0
AUTODESK INC.	INFORMATION TECHNOLOGY	052769106	9	50	SH		SOLE		50	0	0
AUTOMATIC DATA PROCESSING INC	INFORMATION TECHNOLOGY	053015103	717	3,413	SH		SOLE		3,113	300	0
AUTOMATIC DATA PROCESSING INC	INFORMATION TECHNOLOGY	053015103	191	910	SH		DFND		0	910	0
AXON ENTERPRISE INC COM	INDUSTRIALS	05464C101	23	250	SH		SOLE		250	0	0
BP P.L.C.	ENERGY	055622104	52	1,840	SH		SOLE		1,840	0	0
BP PRUDHOE BAY ROYALTY TRUST	ENERGY	055630107	2	100	SH		SOLE		100	0	0
BM TECHNOLOGIES INC.	INDUSTRIALS	05591L107	5	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	2	130	SH		SOLE		130	0	0
BANK OF AMERICA CORP	FINANCIALS	060505104	685	22,003	SH		SOLE		22,003	0	0
BANK OF NEW YORK MELLON CORP	FINANCIALS	064058100	28	671	SH		SOLE		671	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	64	1,000	SH		SOLE		1,000	0	0
BEAM GLOBAL COMMON STOCK	ENERGY	07373B109	5	300	SH		SOLE		300	0	0
BECTON DICKINSON & CO	HEALTHCARE	075887109	380	1,541	SH		SOLE		1,306	235	0
BERKSHIRE HATHAWAY INC. DEL CLASS B	FINANCIALS	084670702	2,607	9,550	SH		SOLE		9,550	0	0
BERKSHIRE HATHAWAY INC. DEL CLASS B	FINANCIALS	084670702	33	122	SH		DFND		0	122	0
BEST BUY	CONSUMER DISCRETIONARY	086516101	21	325	SH		SOLE		325	0	0
BEYOND MEAT INC COM	CONSUMER DISCRETIONARY	08862E109	0	10	SH		SOLE		10	0	0
BIOGEN INC	HEALTHCARE	09062X103	17	81	SH		SOLE		81	0	0
BLACK HILLS CORPORATION	UTILITIES	092113109	15	200	SH		SOLE		200	0	0
BLACKROCK INC	FINANCIALS	09247X101	948	1,557	SH		SOLE		1,557	0	0
BLACKROCK INC	FINANCIALS	09247X101	9	15	SH		DFND		0	15	0
BLINK CHARGING CO. - COMMON STOCK	CONSUMER DISCRETIONARY	09354A100	8	509	SH		SOLE		509	0	0
BLOOM ENERGY CORP COM CL A	ENERGY	093712107	3	200	SH		SOLE		200	0	0
BOEING	INDUSTRIALS	097023105	280	2,051	SH		SOLE		2,051	0	0
BOEING	INDUSTRIALS	097023105	62	450	SH		DFND		50	400	0
BOSTON SCIENTIFIC CORP	HEALTHCARE	101137107	19	500	SH		SOLE		500	0	0
BRISTOL MYERS SQUIBB CO	HEALTHCARE	110122108	2,071	26,894	SH		SOLE		24,894	2,000	0
BRISTOL MYERS SQUIBB CO	HEALTHCARE	110122108	339	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
CNB FINANCIAL CORPORATION	FINANCIALS	126128107	9	370	SH		SOLE		370	0	0
CRA INTERNATIONAL INC.	INDUSTRIALS	12618T105	9	105	SH		SOLE		105	0	0
CSX CORPORATION	INDUSTRIALS	126408103	659	22,680	SH		SOLE		22,680	0	0
CSX CORPORATION	INDUSTRIALS	126408103	105	3,600	SH		DFND		3,600	0	0
CVS HEALTH CORP	CONSUMER STAPLES	126650100	987	10,648	SH		SOLE		10,648	0	0
CANADIAN NATIONAL RAILWAY CO	FOREIGN EQUITIES	136375102	4	40	SH		SOLE		40	0	0
CANADIAN PACIFIC RAILWAY LTD	FOREIGN EQUITIES	13645T100	74	1,060	SH		SOLE		1,060	0	0
CANADIAN SOLAR INC COM	ENERGY	136635109	16	500	SH		SOLE		500	0	0
CAPITAL ONE FINANCIAL CORP	FINANCIALS	14040H105	9	90	SH		SOLE		90	0	0
CARGURUS INC COM CL A	CONSUMER DISCRETIONARY	141788109	21	1,000	SH		SOLE		1,000	0	0
CARRIER GLOBAL CORPORATION	INDUSTRIALS	14448C104	147	4,128	SH		SOLE		3,428	700	0
CARRIER GLOBAL CORPORATION	INDUSTRIALS	14448C104	42	1,165	SH		DFND		655	510	0
CASEY'S GENERAL STORES INC	CONSUMER DISCRETIONARY	147528103	13	70	SH		SOLE		70	0	0
CATERPILLAR INC	INDUSTRIALS	149123101	1,368	7,655	SH		SOLE		7,560	70	25
CATERPILLAR INC	INDUSTRIALS	149123101	332	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	1,100	SH		SOLE		1,100	0	0
CENTERPOINT ENERGY, INC	UTILITIES	15189T107	118	4,000	SH		DFND		4,000	0	0
CENTESSA PHARMACEUTICALS PLC	HEALTHCARE	152309100	5	925	SH		SOLE		925	0	0
CHEGG INC COM	CONSUMER DISCRETIONARY	163092109	5	250	SH		SOLE		250	0	0
CHEVRON CORPORATION	ENERGY	166764100	2,086	14,407	SH		SOLE		14,024	383	0
CHEVRON CORPORATION	ENERGY	166764100	304	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	1	30	SH		SOLE		30	0	0
CISCO SYSTEMS INC.	INFORMATION TECHNOLOGY	17275R102	1,424	33,410	SH		SOLE		32,845	500	65
CISCO SYSTEMS INC.	INFORMATION TECHNOLOGY	17275R102	56	1,305	SH		DFND		30	1,275	0
CIRRUS LOGIC INC	INFORMATION TECHNOLOGY	172755100	7	100	SH		SOLE		100	0	0
CITIGROUP INC.	FINANCIALS	172967424	220	4,790	SH		SOLE		4,790	0	0
CITIGROUP INC.	FINANCIALS	172967424	60	1,305	SH		DFND		1,305	0	0
CLEARPOINT NEURO INC.	HEALTHCARE	18507C103	11	880	SH		SOLE		880	0	0
CLOROX COMPANY	CONSUMER STAPLES	189054109	60	425	SH		SOLE		425	0	0
CLOROX COMPANY	CONSUMER STAPLES	189054109	28	200	SH		DFND		0	200	0
CLOUDFLARE INC CL A COM	INFORMATION TECHNOLOGY	18915M107	8	175	SH		SOLE		175	0	0
COCA COLA CO	CONSUMER STAPLES	191216100	1,686	26,811	SH		SOLE		24,256	2,555	0
COCA COLA CO	CONSUMER STAPLES	191216100	284	4,515	SH		DFND		3,430	1,085	0
COGNIZANT TECHNOLOGY SOLUTIONS CORP	INFORMATION TECHNOLOGY	192446102	9	140	SH		SOLE		140	0	0
COLGATE PALMOLIVE	CONSUMER STAPLES	194162103	840	10,485	SH		SOLE		10,450	0	35
COLGATE PALMOLIVE	CONSUMER STAPLES	194162103	128	1,594	SH		DFND		1,374	220	0
COMCAST CORP NEW CL A	CONSUMER DISCRETIONARY	20030N101	229	5,827	SH		SOLE		5,827	0	0
COMPASS PATHWAYS PLC	HEALTHCARE	20451W101	5	505	SH		SOLE		505	0	0
CONOCOPHILLIPS	ENERGY	20825C104	234	2,610	SH		SOLE		2,610	0	0
CONOCOPHILLIPS	ENERGY	20825C104	13	140	SH		DFND		20	120	0
CONSOLIDATED EDISON INC	UTILITIES	209115104	44	460	SH		SOLE		460	0	0
CORNERSTONE STRATEGIC VALUE FUND INC.	FINANCIALS	21924B302	3	355	SH		SOLE		355	0	0
CORNING INC	INFORMATION TECHNOLOGY	219350105	391	12,405	SH		SOLE		12,405	0	0
COSTCO WHSL CORP NEW	CONSUMER STAPLES	22160K105	808	1,686	SH		SOLE		1,686	0	0
COUPA SOFTWARE INC COM	INFORMATION TECHNOLOGY	22266L106	6	100	SH		SOLE		100	0	0
CRONOS GROUP, INC.	CONSUMER DISCRETIONARY	22717L101	0	110	SH		SOLE		110	0	0
CROSSAMERICA PARTNERS LP	ENERGY	22758A105	111	5,500	SH		SOLE		5,500	0	0
CUBESMART COM	REAL ESTATE	229663109	5	110	SH		SOLE		110	0	0
CUMMINS INC	INDUSTRIALS	231021106	134	695	SH		SOLE		695	0	0
CUMMINS INC	INDUSTRIALS	231021106	21	110	SH		DFND		110	0	0
DNP SELECT INCOME FUND INC	FIXED INCOME	23325P104	16	1,500	SH		SOLE		1,500	0	0
D R HORTON INC	CONSUMER DISCRETIONARY	23331A109	7	100	SH		SOLE		100	0	0
DTE ENERGY CO	UTILITIES	233331107	63	500	SH		SOLE		500	0	0
DTE ENERGY CO	UTILITIES	233331107	88	695	SH		DFND		695	0	0
DANAHER CORP	HEALTHCARE	235851102	1,075	4,242	SH		SOLE		4,242	0	0
DANAHER CORP	HEALTHCARE	235851102	204	805	SH		DFND		500	305	0
DATADOG INC CLASS A	INFORMATION TECHNOLOGY	23804L103	40	425	SH		SOLE		425	0	0
DEERE & CO (JOHN DEERE)	INDUSTRIALS	244199105	388	1,295	SH		SOLE		1,085	210	0
DELTA AIR LINES INC	CONSUMER DISCRETIONARY	247361702	13	455	SH		SOLE		455	0	0
DENTSPLY SIRONA INC	CONSUMER DISCRETIONARY	24906P109	4	120	SH		SOLE		120	0	0
DEVON ENERGY CORPORATION NEW	ENERGY	25179M103	35	630	SH		SOLE		630	0	0
DIAGEO PLC	CONSUMER DISCRETIONARY	25243Q205	23	134	SH		SOLE		134	0	0
DIAMONDBACK ENERGY INC.	ENERGY	25278X109	7	60	SH		SOLE		60	0	0
DISNEY (WALT) COMPANY HOLDING CO	CONSUMER DISCRETIONARY	254687106	1,209	12,804	SH		SOLE		12,779	0	25
DISNEY (WALT) COMPANY HOLDING CO	CONSUMER DISCRETIONARY	254687106	123	1,308	SH		DFND		220	1,088	0
DISCOVER FINANCIAL SERVICES	FINANCIALS	254709108	42	440	SH		SOLE		440	0	0
DOCEBO INC.	INFORMATION TECHNOLOGY	25609L105	4	135	SH		SOLE		135	0	0
DOCUSIGN INC	INFORMATION TECHNOLOGY	256163106	13	235	SH		SOLE		235	0	0
DOLLAR GENERAL CORP	CONSUMER DISCRETIONARY	256677105	29	120	SH		SOLE		120	0	0
DOLLAR TREE, INC.	CONSUMER DISCRETIONARY	256746108	31	200	SH		SOLE		200	0	0
DOMINION ENERGY, INC.	UTILITIES	25746U109	291	3,649	SH		SOLE		3,649	0	0
DOMINION ENERGY, INC.	UTILITIES	25746U109	85	1,060	SH		DFND		1,060	0	0
DOMINO'S PIZZA INC	CONSUMER DISCRETIONARY	25754A201	29	74	SH		SOLE		74	0	0
DOW INC.	MATERIALS	260557103	152	2,942	SH		SOLE		2,430	512	0
DOW INC.	MATERIALS	260557103	78	1,505	SH		DFND		1,420	85	0
DREAM FINDERS HOMES INC. - CLASS A	CONSUMER DISCRETIONARY	26154D100	7	615	SH		SOLE		615	0	0
DUKE ENERGY CORPORATION NEW	ENERGY	26441C204	328	3,063	SH		SOLE		3,063	0	0
DUKE ENERGY CORPORATION NEW	ENERGY	26441C204	86	802	SH		DFND		802	0	0
EBAY INC	CONSUMER DISCRETIONARY	278642103	9	207	SH		SOLE		207	0	0
ECOLAB INC.	MATERIALS	278865100	12	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	356	4,478	SH		SOLE		2,998	1,480	0
EMERSON ELECTRIC	INDUSTRIALS	291011104	136	1,715	SH		DFND		0	1,715	0
ENBRIDGE INC	ENERGY	29250N105	89	2,106	SH		SOLE		2,106	0	0
ENERGY TRANSFER LP COM UT LTD PTN	ENERGY	29273V100	9	906	SH		SOLE		906	0	0
ENTERGY CORPORATION	UTILITIES	29364G103	90	800	SH		DFND		800	0	0
ENTERPRISE PRODUCTS PARTNERS L.P.	ENERGY	293792107	171	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	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	15	205	SH		SOLE		205	0	0
EXACT SCIENCES CORP COM	HEALTHCARE	30063P105	9	225	SH		SOLE		225	0	0
EXELON CORP	UTILITIES	30161N101	64	1,415	SH		SOLE		1,140	275	0
EXELON CORP	UTILITIES	30161N101	49	1,090	SH		DFND		1,090	0	0
EXXON MOBIL CORP	ENERGY	30231G102	1,650	19,269	SH		SOLE		14,139	5,130	0
EXXON MOBIL CORP	ENERGY	30231G102	451	5,271	SH		DFND		2,217	3,054	0
F.N.B. CORPORATION	FINANCIALS	302520101	6	550	SH		SOLE		550	0	0
META PLATFORMS INC	INFORMATION TECHNOLOGY	30303M102	1,002	6,213	SH		SOLE		6,213	0	0
META PLATFORMS INC	INFORMATION TECHNOLOGY	30303M102	11	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	4	310	SH		SOLE		310	0	0
FATHOM HOLDINGS INC.	REAL ESTATE	31189V109	2	230	SH		SOLE		230	0	0
FEDEX CORPORATION	INDUSTRIALS	31428X106	181	800	SH		SOLE		800	0	0
FEDEX CORPORATION	INDUSTRIALS	31428X106	28	125	SH		DFND		125	0	0
FIDELITY MSCI INFORMATION TECHNOLOGY INDEX ETF	INFORMATION TECHNOLOGY	316092808	239	2,475	SH		SOLE		2,475	0	0
FIFTH THIRD BANCORP	FINANCIALS	316773100	23	675	SH		SOLE		675	0	0
1STDIBS.COM INC	INFORMATION TECHNOLOGY	320551104	5	955	SH		SOLE		955	0	0
FIRST TRUST NASDAQ CLEAN EDGE GREEN ENERGY ETF	ENERGY	33733E500	87	1,676	SH		SOLE		1,676	0	0
FIRST TR EXCHANGE TRAD FD VIFST TR GLB FD	Exchange Traded Funds - Equity	33739H101	14	506	SH		SOLE		506	0	0
FIRSTENERGY CORP	UTILITIES	337932107	2	55	SH		SOLE		55	0	0
FLEXSHARES GLOBAL UPSTREAM NATURAL RESOURCES IND	EXCHANGE TRADED FUND - EQUITY	33939L407	63	1,580	SH		SOLE		1,580	0	0
FORD MOTOR CO DEL	CONSUMER DISCRETIONARY	345370860	39	3,532	SH		SOLE		3,532	0	0
FORD MOTOR CO DEL	CONSUMER DISCRETIONARY	345370860	10	900	SH		DFND		0	900	0
FORTIVE CORPORATION	INFORMATION TECHNOLOGY	34959J108	10	187	SH		DFND		100	87	0
FREEPORT-MCMORAN COPPER & GOLD CLASS B	MATERIALS	35671D857	17	575	SH		SOLE		575	0	0
FRESHPET INC	CONSUMER STAPLES	358039105	4	75	SH		SOLE		75	0	0
FULGENT GENETICS INC.	HEALTHCARE	359664109	47	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	628	2,840	SH		SOLE		2,840	0	0
GENERAL DYNAMICS CORPORATION	INDUSTRIALS	369550108	14	65	SH		DFND		65	0	0
GENERAL MILLS, INC	CONSUMER STAPLES	370334104	131	1,741	SH		SOLE		1,141	600	0
GENERAL MILLS, INC	CONSUMER STAPLES	370334104	106	1,400	SH		DFND		1,400	0	0
GILEAD SCIENCES, INC.	HEALTHCARE	375558103	184	2,985	SH		SOLE		2,985	0	0
GILEAD SCIENCES, INC.	HEALTHCARE	375558103	9	150	SH		DFND		0	150	0
GLADSTONE COMMERCIAL CORP	CONSUMER DISCRETIONARY	376536108	22	1,170	SH		SOLE		1,170	0	0
GLADSTONE LAND CORPORATION	REAL ESTATE	376549101	7	300	SH		SOLE		300	0	0
GSK PLC ADR	HEALTHCARE	37733W105	33	748	SH		SOLE		748	0	0
GSK PLC ADR	HEALTHCARE	37733W105	83	1,905	SH		DFND		1,905	0	0
GLOBAL X MLP AND ENERGY INFRASTRUCTURE ETF	ENERGY	37954Y293	9	235	SH		SOLE		235	0	0
GROWGENERATION CORP COM	CONSUMER STAPLES	39986L109	0	25	SH		SOLE		25	0	0
GUARDANT HEALTH INC.	HEALTHCARE	40131M109	5	115	SH		SOLE		115	0	0
HSBC HOLDINGS PLC SPONS ADRS	FINANCIALS	404280406	20	607	SH		SOLE		607	0	0
HARLEY DAVIDSON	CONSUMER DISCRETIONARY	412822108	9	280	SH		SOLE		280	0	0
HELMERICH & PAYNE, INC.	ENERGY	423452101	1	20	SH		SOLE		20	0	0
THE HERSHEY COMPANY	CONSUMER STAPLES	427866108	34	156	SH		SOLE		156	0	0
HEXO CORP COM NEW	FOREIGN EQUITIES	428304307	0	170	SH		SOLE		170	0	0
HOME DEPOT INC	CONSUMER DISCRETIONARY	437076102	2,490	9,080	SH		SOLE		8,075	1,005	0
HOME DEPOT INC	CONSUMER DISCRETIONARY	437076102	324	1,180	SH		DFND		400	780	0
HONEYWELL INTERNATIONAL INC	INDUSTRIALS	438516106	633	3,644	SH		SOLE		3,644	0	0
HUBSPOT INC.	INFORMATION TECHNOLOGY	443573100	48	160	SH		SOLE		160	0	0
HUNTINGTON BANCSHARES INC.	FINANCIALS	446150104	10	830	SH		SOLE		830	0	0
ILLINOIS TOOL WORKS INC.	INDUSTRIALS	452308109	214	1,172	SH		SOLE		1,172	0	0
IMMUNITYBIO INC.	HEALTHCARE	45256X103	1	300	SH		SOLE		300	0	0
INTEL CORP	INFORMATION TECHNOLOGY	458140100	1,869	49,963	SH		SOLE		47,208	2,690	65
INTEL CORP	INFORMATION TECHNOLOGY	458140100	298	7,964	SH		DFND		5,649	2,315	0
CORECARD CORPORATION	INFORMATION TECHNOLOGY	45816D100	6	265	SH		SOLE		265	0	0
INTERACTIVE BROKERS GRO-CL A	FINANCIALS	45841N107	14	250	SH		SOLE		250	0	0
INTERCONTINENTAL EXCHANGE INCOM	FINANCIALS	45866F104	26	275	SH		SOLE		275	0	0
INTL BUSINESS MACHINES	INFORMATION TECHNOLOGY	459200101	675	4,781	SH		SOLE		4,781	0	0
INTL BUSINESS MACHINES	INFORMATION TECHNOLOGY	459200101	244	1,725	SH		DFND		753	972	0
INTERNATIONAL PAPER CO	MATERIALS	460146103	176	4,200	SH		SOLE		4,165	0	35
INTUITIVE SURGICAL INC	HEALTHCARE	46120E602	49	242	SH		SOLE		242	0	0
INVESCO S&P 500 EQUAL WEIGHT REAL ESTATE ETF	REAL ESTATE	46137V290	19	565	SH		SOLE		565	0	0
INVESCO PREFERRED ETF	EXCHANGE TRADED FUND-FIXED INC	46138E511	4	350	SH		SOLE		350	0	0
INVESCO GLOBAL WATER ETF	EXCHANGE TRADED FUND - EQUITY	46138E651	47	1,500	SH		SOLE		1,500	0	0
INVESCO EXCH TRADED FD TR IISOLAR ETF	ENERGY	46138G706	10	140	SH		SOLE		140	0	0
INVITAE CORP COM	HEALTHCARE	46185L103	0	125	SH		SOLE		125	0	0
IQIYI, INC. - ADR	INFORMATION TECHNOLOGY	46267X108	0	100	SH		SOLE		100	0	0
IROBOT CORPORATION	INDUSTRIALS	462726100	1	30	SH		SOLE		30	0	0
ETF ISHARES SILVER TR	MUTUAL FUND	46428Q109	71	3,810	SH		SOLE		3,810	0	0
ISHARES MSCI AUSTRALIA ETF	MUTUAL FUND	464286103	6	300	SH		DFND		300	0	0
ISHARES MSCI CANADA ETF	MUTUAL FUND	464286509	8	250	SH		DFND		250	0	0
ISHARES MSCI SWEDEN ETF	MUTUAL FUND	464286756	9	300	SH		SOLE		300	0	0
ISHARES MSCI SOUTH KOREA CAPPED ETF	EXCHANGE TRADED FUND - EQUITY	464286772	85	1,459	SH		SOLE		1,459	0	0
ISHARES S & P 100 ETF	MUTUAL FUND	464287101	968	5,610	SH		SOLE		5,610	0	0
ISHARES SELECT DIVIDEND ETF	EXCHANGE TRADED FUND - EQUITY	464287168	413	3,509	SH		SOLE		3,509	0	0
ISHARES TIPS BOND ETF	EXCHANGE TRADED FUND-FIXED INC	464287176	6,236	54,744	SH		SOLE		54,259	0	485
ISHARES TIPS BOND ETF	EXCHANGE TRADED FUND-FIXED INC	464287176	783	6,877	SH		DFND		5,985	892	0
ISHARES CHINA LARGE CAP ETF	EXCHANGE TRADED FUND - EQUITY	464287184	4	115	SH		DFND		0	115	0
ISHARES CORE S&P 500 ETF	EXCHANGE TRADED FUND - EQUITY	464287200	43	114	SH		SOLE		114	0	0
ISHARES CORE TOTAL US AGGREGATE BOND ETF-W	EXCHANGE TRADED FUND-FIXED INC	46428722W	1,685	16,575	SH		SOLE		16,575	0	0
ISHARES CORE TOTAL US AGGREGATE BOND ETF	EXCHANGE TRADED FUND-FIXED INC	464287226	4,694	46,162	SH		SOLE		46,162	0	0
ISHARES MSCI EMERGING MARKETS ETF	EXCHANGE TRADED FUND - EQUITY	464287234	46	1,140	SH		SOLE		1,140	0	0
ISHARES MSCI EAFE ETF FUND	EXCHANGE TRADED FUND - EQUITY	464287465	646	10,333	SH		SOLE		10,333	0	0
ISHARES MSCI EAFE ETF FUND	EXCHANGE TRADED FUND - EQUITY	464287465	29	470	SH		DFND		0	470	0
ISHARES RUSSELL MIDCAP ETF	EXCHANGE TRADED FUND - EQUITY	464287499	222	3,439	SH		SOLE		3,439	0	0
ISHARES CORE S&P MID CAP ETF	EXCHANGE TRADED FUND - EQUITY	464287507	550	2,430	SH		SOLE		2,430	0	0
ISHARES CORE S&P MID CAP ETF	EXCHANGE TRADED FUND - EQUITY	464287507	45	200	SH		DFND		0	200	0
ISHARES NASDAQ BIOTECHNOLOGYETF	HEALTHCARE	464287556	12	105	SH		SOLE		105	0	0
ISHARES RUSSELL 1000 VALUE INDEX FUND	EXCHANGE TRADED FUND - EQUITY	464287598	413	2,848	SH		SOLE		2,848	0	0
ISHARES RUSSELL 1000 GROWTH ETF	EXCHANGE TRADED FUND - EQUITY	464287614	1,301	5,947	SH		SOLE		5,947	0	0
ISHARES RUSSELL 2000 GROWTH ETF	EXCHANGE TRADED FUND - EQUITY	464287648	334	1,617	SH		SOLE		1,617	0	0
ISHARES RUSSELL 2000 ETF	EXCHANGE TRADED FUND - EQUITY	464287655	169	998	SH		SOLE		998	0	0
ISHARES U.S. FINANCIAL ETF	FINANCIALS	464287788	21	300	SH		SOLE		300	0	0
ISHARES CORE S&P SMALL-CAP ETF	EXCHANGE TRADED FUND - EQUITY	464287804	3,176	34,372	SH		SOLE		34,292	0	80
ISHARES CORE S&P SMALL-CAP ETF	EXCHANGE TRADED FUND - EQUITY	464287804	209	2,258	SH		DFND		540	1,718	0
ETF ISHARES GLOBAL CLEAN ENERGY	ENERGY	464288224	94	4,925	SH		SOLE		4,925	0	0
ISHARES CORE US REIT ETF	REAL ESTATE	464288521	19	355	SH		SOLE		355	0	0
ISHARES MSCI KLD 400 SOCIAL	MUTUAL FUND	464288570	47	660	SH		SOLE		660	0	0
ISHARES 1-3 YEAR CREDIT BOND ETF	ETF's - Fixed Income	464288646	21	410	SH		SOLE		410	0	0
ISHARES DOW JONES US HOME CONSTRUCTION INDEX	EXCHANGE TRADED FUND - EQUITY	464288752	28	525	SH		SOLE		525	0	0
ISHARES MSCI USA ESG SELECT	EXCHANGE TRADED FUND - EQUITY	464288802	142	1,760	SH		SOLE		1,760	0	0
ISHARES U.S. MEDICAL DEVICES ETF	Exchange Traded Funds - Equity	464288810	4	75	SH		SOLE		75	0	0
ISHARES MSCI EAFE GROWTH ETF	EXCHANGE TRADED FUND - EQUITY	464288885	62	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	5	264	SH		DFND		264	0	0
ISSUER DIRECT CORPORATION	INFORMATION TECHNOLOGY	46520M204	8	320	SH		SOLE		320	0	0
JPMORGAN CHASE & CO COM	FINANCIALS	46625H100	2,377	21,105	SH		SOLE		20,065	1,015	25
JPMORGAN CHASE & CO COM	FINANCIALS	46625H100	110	975	SH		DFND		945	30	0
JACOBS ENGINERRING GROUP	CONSUMER DISCRETIONARY	469814107	10	75	SH		SOLE		75	0	0
JD.COM INC.-ADR	CONSUMER DISCRETIONARY	47215P106	4	70	SH		SOLE		70	0	0
JINKOSOLAR HOLDING COMPANY LTD	ENERGY	47759T100	2	25	SH		SOLE		25	0	0
JOHNSON & JOHNSON	HEALTHCARE	478160104	4,012	22,602	SH		SOLE		21,438	1,134	30
JOHNSON & JOHNSON	HEALTHCARE	478160104	611	3,440	SH		DFND		1,385	2,055	0
KELLOGG COMPANY	CONSUMER STAPLES	487836108	90	1,267	SH		DFND		1,267	0	0
KEYCORP NEW COM	FINANCIALS	493267108	9	542	SH		SOLE		542	0	0
KIMBERLY CLARK	CONSUMER STAPLES	494368103	209	1,550	SH		SOLE		1,550	0	0
KIMBERLY CLARK	CONSUMER STAPLES	494368103	135	1,000	SH		DFND		1,000	0	0
LAM RESEARCH CORP COMMON	HEALTHCARE	512807108	19	45	SH		SOLE		45	0	0
LENNAR COPORATION CLASS A	CONSUMER DISCRETIONARY	526057104	28	400	SH		SOLE		400	0	0
ELI LILLY & CO	HEALTHCARE	532457108	1,306	4,028	SH		SOLE		4,028	0	0
ELI LILLY & CO	HEALTHCARE	532457108	269	830	SH		DFND		750	80	0
LITHIA MOTORS INC CL A	CONSUMER DISCRETIONARY	536797103	27	100	SH		SOLE		100	0	0
LITTELFUSE INC	INFORMATION TECHNOLOGY	537008104	13	50	SH		SOLE		50	0	0
LOCKHEED MARTIN CORP	INDUSTRIALS	539830109	2,242	5,215	SH		SOLE		4,895	320	0
LOCKHEED MARTIN CORP	INDUSTRIALS	539830109	383	890	SH		DFND		890	0	0
LOOMIS SAYLES BOND FUND	FIXED INCOME	543495840	95	8,084	SH		SOLE		8,084	0	0
LOWES COMPANIES INC	CONSUMER DISCRETIONARY	548661107	508	2,910	SH		SOLE		2,835	0	75
LOWES COMPANIES INC	CONSUMER DISCRETIONARY	548661107	42	240	SH		DFND		240	0	0
LULULEMON ATHLETICA INC	CONSUMER DISCRETIONARY	550021109	11	40	SH		SOLE		40	0	0
LUMEN TECHNOLOGIES INC.	COMMUNICATION SERVICES	550241103	0	12	SH		SOLE		12	0	0
MPLX LP	ENERGY	55336V100	108	3,700	SH		SOLE		3,700	0	0
MANULIFE FINANCIAL	FINANCIALS	56501R106	16	903	SH		SOLE		903	0	0
MARATHON PETROLEUM CORPORATION	ENERGY	56585A102	95	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	9	65	SH		SOLE		65	0	0
MASIMO CORPORATION	HEALTHCARE	574795100	2	12	SH		SOLE		12	0	0
MASTERCARD INC - CLASS A	INFORMATION TECHNOLOGY	57636Q104	238	754	SH		SOLE		689	65	0
MCCORMICK & CO.	CONSUMER STAPLES	579780206	133	1,600	SH		SOLE		200	1,400	0
MCDONALDS CORP	CONSUMER DISCRETIONARY	580135101	2,427	9,831	SH		SOLE		9,031	785	15
MCDONALDS CORP	CONSUMER DISCRETIONARY	580135101	629	2,547	SH		DFND		1,200	1,347	0
MCKESSON CORPORATION	HEALTHCARE	58155Q103	126	385	SH		SOLE		385	0	0
MERCADOLIBRE INC	INFORMATION TECHNOLOGY	58733R102	11	18	SH		SOLE		18	0	0
MERCK & CO., INC	HEALTHCARE	58933Y105	874	9,585	SH		SOLE		9,265	320	0
MERCK & CO., INC	HEALTHCARE	58933Y105	172	1,885	SH		DFND		1,885	0	0
METLIFE INC	FINANCIALS	59156R108	950	15,124	SH		SOLE		15,094	0	30
METLIFE INC	FINANCIALS	59156R108	80	1,277	SH		DFND		1,277	0	0
MICROSOFT CORP	INFORMATION TECHNOLOGY	594918104	6,190	24,103	SH		SOLE		22,702	1,401	0
MICROSOFT CORP	INFORMATION TECHNOLOGY	594918104	381	1,485	SH		DFND		755	730	0
MILLERKNOLL INC.	CONSUMER DISCRETIONARY	600544100	2	85	SH		SOLE		85	0	0
MITEK SYSTEMS INC.	INFORMATION TECHNOLOGY	606710200	6	610	SH		SOLE		610	0	0
MONDELEZ INTERNATIONAL INC	CONSUMER STAPLES	609207105	121	1,956	SH		SOLE		956	1,000	0
MONGODB, INC.	INFORMATION TECHNOLOGY	60937P106	23	88	SH		SOLE		88	0	0
MORGAN STANLEY	FINANCIALS	617446448	452	5,937	SH		SOLE		5,937	0	0
NCR CORPORATION	INFORMATION TECHNOLOGY	62886E108	1	17	SH		SOLE		17	0	0
NIO INC SPON ADS	CONSUMER DISCRETIONARY	62914V106	10	440	SH		SOLE		440	0	0
NASDAQ STOCK MARKET INC	FINANCIALS	631103108	8	50	SH		SOLE		50	0	0
NETAPP, INC.	INFORMATION TECHNOLOGY	64110D104	7	100	SH		SOLE		100	0	0
NETFLIX INC	INFORMATION TECHNOLOGY	64110L106	214	1,225	SH		SOLE		1,225	0	0
NEW JERSEY RESOURCES CORP	UTILITIES	646025106	41	912	SH		SOLE		912	0	0
NEW RELIC INC	INFORMATION TECHNOLOGY	64829B100	3	65	SH		SOLE		65	0	0
NEWELL BRANDS INC	CONSUMER DISCRETIONARY	651229106	0	16	SH		SOLE		16	0	0
NEWMONT CORPORATION	MATERIALS	651639106	87	1,457	SH		SOLE		1,457	0	0
NEXTERA ENERGY INC	UTILITIES	65339F101	2,334	30,130	SH		SOLE		28,930	1,200	0
NEXTERA ENERGY INC	UTILITIES	65339F101	43	560	SH		DFND		0	560	0
NICE LTD - AMERICAN DEPOSITORY SHARES	INFORMATION TECHNOLOGY	653656108	6	30	SH		SOLE		30	0	0
NIKE, INC	CONSUMER DISCRETIONARY	654106103	807	7,901	SH		SOLE		7,901	0	0
NIKOLA CORPORATION	INDUSTRIALS	654110105	4	865	SH		SOLE		865	0	0
NORTHROP GRUMMAN CORP	INDUSTRIALS	666807102	350	732	SH		SOLE		732	0	0
NOVARTIS AG - ADR	FOREIGN EQUITIES	66987V109	11	130	SH		SOLE		0	130	0
NOVAVAX INC	HEALTHCARE	670002401	12	231	SH		SOLE		231	0	0
NUCOR	MATERIALS	670346105	163	1,560	SH		SOLE		960	600	0
NUCOR	MATERIALS	670346105	84	800	SH		DFND		800	0	0
NVIDIA CORP.	INFORMATION TECHNOLOGY	67066G104	2,139	14,113	SH		SOLE		14,113	0	0
NUSHARES ETF TR NUVEEN ESG SMLCP	EXCHANGE TRADED FUND - EQUITY	67092P607	279	8,500	SH		SOLE		8,500	0	0
OAKTREE SPECIALTY LENDING COCOM	FINANCIALS	67401P108	57	8,634	SH		SOLE		8,634	0	0
ONEOK INC	ENERGY	682680103	15	263	SH		SOLE		263	0	0
ON24 INC.	INFORMATION TECHNOLOGY	68339B104	6	675	SH		SOLE		675	0	0
ORACLE CORPORATION	INFORMATION TECHNOLOGY	68389X105	610	8,736	SH		SOLE		8,736	0	0
ORACLE CORPORATION	INFORMATION TECHNOLOGY	68389X105	12	170	SH		DFND		0	170	0
OTIS WORLDWIDE CORPORATION	INDUSTRIALS	68902V107	146	2,060	SH		SOLE		1,710	350	0
OTIS WORLDWIDE CORPORATION	INDUSTRIALS	68902V107	41	582	SH		DFND		327	255	0
OUTSET MEDICAL INC.	HEALTHCARE	690145107	4	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	57	359	SH		SOLE		359	0	0
PPL CORP	UTILITIES	69351T106	3	100	SH		SOLE		100	0	0
PACER AMERICAN ENERGY INDEPENDENCE ETF	ENERGY	69374H634	9	335	SH		SOLE		335	0	0
PACIRA BIOSCIENCES, INC	HEALTHCARE	695127100	35	600	SH		SOLE		600	0	0
PALO ALTO NETWORKS INC	INFORMATION TECHNOLOGY	697435105	26	52	SH		SOLE		52	0	0
PARKER HANNIFIN CORP	MATERIALS	701094104	57	230	SH		SOLE		230	0	0
PELOTON INTERACTIVE INC CLASS A	CONSUMER DISCRETIONARY	70614W100	5	510	SH		SOLE		510	0	0
PEPSICO INC	CONSUMER STAPLES	713448108	3,141	18,845	SH		SOLE		18,550	295	0
PEPSICO INC	CONSUMER STAPLES	713448108	597	3,580	SH		DFND		1,815	1,765	0
PFIZER INC	HEALTHCARE	717081103	2,993	57,089	SH		SOLE		54,533	2,556	0
PFIZER INC	HEALTHCARE	717081103	220	4,200	SH		DFND		3,800	400	0
PHILIP MORRIS INTERNATIONAL W/I	CONSUMER DISCRETIONARY	718172109	209	2,119	SH		SOLE		2,119	0	0
PHILLIPS 66	ENERGY	718546104	712	8,682	SH		SOLE		8,472	210	0
PHILLIPS 66	ENERGY	718546104	111	1,357	SH		DFND		1,255	102	0
PIMCO HIGH INCOME FUND	EXCHANGE TRADED FUND-FIXED INC	722014107	18	3,472	SH		SOLE		3,472	0	0
PINTEREST INC CL A	COMMUNICATION SERVICES	72352L106	17	915	SH		SOLE		915	0	0
PLAINS ALL AMERICAN PIPELINE	ENERGY	726503105	106	10,800	SH		SOLE		10,800	0	0
PLUG POWER INC.	INFORMATION TECHNOLOGY	72919P202	28	1,715	SH		SOLE		1,715	0	0
POST HOLDINGS INC	CONSUMER STAPLES	737446104	4	50	SH		SOLE		50	0	0
T ROWE PRICE GROUP INC	FINANCIALS	74144T108	43	375	SH		SOLE		375	0	0
PROCTER & GAMBLE CO	CONSUMER STAPLES	742718109	3,865	26,879	SH		SOLE		25,172	1,672	35
PROCTER & GAMBLE CO	CONSUMER STAPLES	742718109	654	4,550	SH		DFND		2,620	1,930	0
PRUDENTIAL FINANCIAL INC	FINANCIALS	744320102	303	3,170	SH		SOLE		3,170	0	0
PRUDENTIAL FINANCIAL INC	FINANCIALS	744320102	70	730	SH		DFND		730	0	0
PUBLIC SERVICE ENTERPRISE GROUP, INC	UTILITIES	744573106	31	492	SH		SOLE		492	0	0
PUBMATIC INC COM CL A	CONSUMER DISCRETIONARY	74467Q103	11	664	SH		SOLE		664	0	0
PULTEGROUP, INC	INDUSTRIALS	745867101	37	925	SH		SOLE		925	0	0
QUALCOMM INC	INFORMATION TECHNOLOGY	747525103	1,394	10,910	SH		SOLE		10,645	235	30
QUANTA SERVICES INC	INDUSTRIALS	74762E102	89	712	SH		SOLE		712	0	0
REATA PHARMACEUTICALS INC.	HEALTHCARE	75615P103	2	55	SH		SOLE		55	0	0
REGENERON PHARMACEUTICALS	HEALTHCARE	75886F107	266	450	SH		SOLE		450	0	0
REPLIGEN CORPORATION	HEALTHCARE	759916109	41	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	92	1,500	SH		SOLE		1,500	0	0
ROCHE HOLDING AG	HEALTHCARE	771195104	4	103	SH		SOLE		103	0	0
ROKU INC	CONSUMER DISCRETIONARY	77543R102	8	95	SH		SOLE		95	0	0
SPDR S & P 500 ETF TRUST	EXCHANGE TRADED FUND - EQUITY	78462F103	16,093	42,659	SH		SOLE		42,659	0	0
SPDR S & P 500 ETF TRUST	EXCHANGE TRADED FUND - EQUITY	78462F103	1,360	3,605	SH		DFND		1,020	2,585	0
SPDR GOLD TRUST	MUTUAL FUND	78463V107	195	1,159	SH		SOLE		1,159	0	0
SPDR MSCI ACWI CLIMATE PARIS ALIGNED ETF	EXCHANGE TRADED FUND - EQUITY	78463X194	13	500	SH		SOLE		500	0	0
SPDR NYSE TECHNOLOGY ETF	INFORMATION TECHNOLOGY	78464A102	31	300	SH		SOLE		300	0	0
SPDR PORTFOLIO TIP ETF	EXCHANGE TRADED FUND-FIXED INC	78464A656	31	1,131	SH		SOLE		1,131	0	0
SPDR S&P REGIONAL BANKING ETF	FINANCIALS	78464A698	12	200	SH		SOLE		200	0	0
SPDR S&P DIVIDEND ETF	EXCHANGE TRADED FUND - EQUITY	78464A763	327	2,755	SH		SOLE		2,755	0	0
SPDR S&P 400 MID CAP VALUE ETF	EXCHANGE TRADED FUND - EQUITY	78464A839	12	200	SH		SOLE		200	0	0
ETF SPDR S&P BIOTECH	HEALTHCARE	78464A870	487	6,555	SH		SOLE		6,555	0	0
S&P MIDCAP 400 DEPOSITORY RECEIPTS ETF -W	EXCHANGE TRADED FUND - EQUITY	78467Y10W	82	198	SH		SOLE		198	0	0
S & P MIDCAP 400 DEPOSITORY RECEIPTS ETF	EXCHANGE TRADED FUND - EQUITY	78467Y107	4,317	10,440	SH		SOLE		10,388	0	52
S & P MIDCAP 400 DEPOSITORY RECEIPTS ETF	EXCHANGE TRADED FUND - EQUITY	78467Y107	234	565	SH		DFND		230	335	0
SPDR SER TR S&P KENSHO SMART	INFORMATION TECHNOLOGY	78468R689	9	275	SH		SOLE		275	0	0
SPDR SER TR S&P KENSHO SMART	INFORMATION TECHNOLOGY	78468R689	8	225	SH		DFND		0	225	0
SPDR NUVEEN BLOOMBERG BARCLAY MUNICIPAL BOND ETF	EXCHANGE TRADED FUND-FIXED INC	78468R721	69	1,500	SH		SOLE		1,500	0	0
SPDR GENDER DIVERSITY INDEX ETF	EXCHANGE TRADED FUND - EQUITY	78468R747	17	228	SH		SOLE		228	0	0
SPDR SSGA US LARGE CAP LOW VOLATILITY INDEX ETF	EXCHANGE TRADED FUND - EQUITY	78468R804	7	50	SH		SOLE		50	0	0
SALESFORCE.COM, INC.	INFORMATION TECHNOLOGY	79466L302	218	1,320	SH		SOLE		1,320	0	0
SANOFI ADR	FOREIGN EQUITIES	80105N105	6	120	SH		SOLE		120	0	0
SCHLUMBERGER LTD	ENERGY	806857108	11	300	SH		SOLE		300	0	0
SCHLUMBERGER LTD	ENERGY	806857108	11	300	SH		DFND		0	300	0
SCHWAB U.S. SMALL-CAP ETF	EXCHANGE TRADED FUND - EQUITY	808524607	10	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	7	215	SH		SOLE		215	0	0
SCWAB FUNDAMENTAL INTERNATIONAL LARGE COMPANY	EXCHANGE TRADED FUND - EQUITY	808524755	10	361	SH		SOLE		361	0	0
SCHWAB FUNDAMENTAL U.S. SMALL COMPANY INDEX ETF	EXCHANGE TRADED FUND - EQUITY	808524763	9	205	SH		SOLE		205	0	0
SCHWAB FUNDAMENTAL U.S. LARGE COMPANY INDEX ETF	EXCHANGE TRADED FUND - EQUITY	808524771	20	385	SH		SOLE		385	0	0
SCHWAB INTERNATIONAL EQUITY ETF	EXCHANGE TRADED FUND - EQUITY	808524805	6	178	SH		SOLE		178	0	0
SCHWAB U.S. TIPS ETF	EXCHANGE TRADED FUND-FIXED INC	808524870	26	459	SH		SOLE		459	0	0
MATERIAL SELECT SECTOR SPDR TRUST	MATERIALS	81369Y100	216	2,930	SH		SOLE		2,930	0	0
CONSUMER STAPLES SELECT SECTOR SPDR FUND	CONSUMER STAPLES	81369Y308	59	816	SH		SOLE		816	0	0
CONSUMER DISCRETIONARY SELE CT SECTOR SPDR FUND	CONSUMER DISCRETIONARY	81369Y407	83	605	SH		SOLE		605	0	0
ENERGY SELECT SECTOR SPDR FUND	ENERGY	81369Y506	34	480	SH		SOLE		480	0	0
FINANCIAL SELECT SECTOR SPDR FUND	FINANCIALS	81369Y605	584	18,560	SH		SOLE		18,560	0	0
INDUSTRIAL SELECT SECTOR SPDR FUND	INDUSTRIALS	81369Y704	75	855	SH		SOLE		855	0	0
TECHNOLOGY SELECT SECT SPDR	INFORMATION TECHNOLOGY	81369Y803	744	5,856	SH		SOLE		5,856	0	0
TECHNOLOGY SELECT SECT SPDR	INFORMATION TECHNOLOGY	81369Y803	57	450	SH		DFND		0	450	0
COMMUNICATION SERVICES SELECT SECTOR SPDR FUND	COMMUNICATION SERVICES	81369Y852	90	1,661	SH		SOLE		1,661	0	0
AMEX UTILITIES SELECT INDEX SHS BEN INT	UTILITIES	81369Y886	205	2,930	SH		SOLE		2,930	0	0
SEMPRA	UTILITIES	816851109	129	860	SH		SOLE		860	0	0
SHERWIN WILLIAMS COMPANY	CONSUMER DISCRETIONARY	824348106	45	201	SH		SOLE		201	0	0
SCHOCKWAVE MEDICAL INC	HEALTHCARE	82489T104	24	127	SH		SOLE		127	0	0
SIEMENS AG	FOREIGN EQUITIES	826197501	16	315	SH		SOLE		315	0	0
SIMON PROPERTY GROUP	REAL ESTATE	828806109	15	156	SH		SOLE		156	0	0
SIX FLAGS ENTERTAINMENT CORPORATION	CONSUMER DISCRETIONARY	83001A102	7	315	SH		SOLE		315	0	0
SMITH-MIDLAND CORPORATION	INDUSTRIALS	832156103	5	330	SH		SOLE		330	0	0
J.M. SMUCKER COMPANY	CONSUMER STAPLES	832696405	206	1,606	SH		SOLE		655	951	0
SNAP-ON INC	CONSUMER DISCRETIONARY	833034101	37	189	SH		SOLE		189	0	0
SONY GROUP CORP	FOREIGN EQUITIES	835699307	15	180	SH		SOLE		180	0	0
SOUTHERN CO	UTILITIES	842587107	849	11,904	SH		SOLE		11,289	615	0
SOUTHERN CO	UTILITIES	842587107	239	3,345	SH		DFND		2,600	745	0
SOUTHWEST AIRLINES	INDUSTRIALS	844741108	17	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	4	50	SH		SOLE		50	0	0
STARBUCKS CORPORATION	CONSUMER DISCRETIONARY	855244109	290	3,794	SH		SOLE		3,794	0	0
STARBUCKS CORPORATION	CONSUMER DISCRETIONARY	855244109	7	92	SH		DFND		0	92	0
STATE STREET CORP. COM	FINANCIALS	857477103	2	31	SH		SOLE		31	0	0
STITCH FIX, INC. - CLASS A	CONSUMER DISCRETIONARY	860897107	1	195	SH		SOLE		195	0	0
STRYKER CORP	HEALTHCARE	863667101	833	4,186	SH		SOLE		4,186	0	0
STRYKER CORP	HEALTHCARE	863667101	50	250	SH		DFND		140	110	0
SUMMIT THERAPEUTICS INC.	HEALTHCARE	86627T108	3	2,500	SH		SOLE		2,500	0	0
SUNCOR ENERGY INC NEW	FOREIGN EQUITIES	867224107	19	540	SH		SOLE		540	0	0
SUNDIAL GROWERS INC COM	FOREIGN EQUITIES	86730L109	0	1,000	SH		SOLE		1,000	0	0
SYNOPSYS INC	INFORMATION TECHNOLOGY	871607107	6	20	SH		SOLE		20	0	0
SYSCO CORPORATION	CONSUMER STAPLES	871829107	44	520	SH		SOLE		520	0	0
TJX COS INC NEW	CONSUMER DISCRETIONARY	872540109	61	1,091	SH		SOLE		1,091	0	0
TAKE-TWO INTERACTIVE SOFTWARE, INC.	INFORMATION TECHNOLOGY	874054109	14	115	SH		SOLE		115	0	0
TARGET CORP	CONSUMER DISCRETIONARY	87612E106	606	4,288	SH		SOLE		4,116	130	42
TARGET CORP	CONSUMER DISCRETIONARY	87612E106	124	880	SH		DFND		0	880	0
TELADOC HEALTH INC.	HEALTHCARE	87918A105	11	327	SH		SOLE		327	0	0
TERADATA CORPORATION	INFORMATION TECHNOLOGY	88076W103	1	17	SH		SOLE		17	0	0
TESLA MOTORS INC	CONSUMER DISCRETIONARY	88160R101	1,010	1,500	SH		SOLE		1,500	0	0
TEXAS INSTRUMENTS	INFORMATION TECHNOLOGY	882508104	65	424	SH		SOLE		424	0	0
TEXTRON INC	INDUSTRIALS	883203101	4	65	SH		SOLE		65	0	0
THE TRADE DESK, INC.	INFORMATION TECHNOLOGY	88339J105	34	800	SH		SOLE		800	0	0
THERMO FISHER SCIENTIFIC, INC	INFORMATION TECHNOLOGY	883556102	34	62	SH		SOLE		62	0	0
3M CO COM	INDUSTRIALS	88579Y101	426	3,294	SH		SOLE		2,779	515	0
3M CO COM	INDUSTRIALS	88579Y101	102	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	23	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	27	175	SH		SOLE		175	0	0
TRANSMEDICS GROUP INC.	HEALTHCARE	89377M109	14	460	SH		SOLE		460	0	0
TRAVELERS COS INC	FINANCIALS	89417E109	115	680	SH		SOLE		680	0	0
TWILIO INC. - A	INFORMATION TECHNOLOGY	90138F102	9	113	SH		SOLE		113	0	0
US BANCORP DEL COM NEW	FINANCIALS	902973304	113	2,445	SH		SOLE		2,445	0	0
US BANCORP DEL COM NEW	FINANCIALS	902973304	1	20	SH		DFND		20	0	0
UNILEVER PLC	FOREIGN EQUITIES	904767704	8	170	SH		SOLE		0	170	0
UNION PACIFIC CORP	INDUSTRIALS	907818108	221	1,035	SH		SOLE		1,035	0	0
UNITED PARCEL SERVICE	INDUSTRIALS	911312106	452	2,477	SH		SOLE		2,477	0	0
UNITEDHEALTH GROUP INC	HEALTHCARE	91324P102	1,496	2,912	SH		SOLE		2,912	0	0
UNIVERSAL DISPLAY CORP	INFORMATION TECHNOLOGY	91347P105	2	17	SH		SOLE		17	0	0
UPSTART HLDGS INC COM	FINANCIALS	91680M107	5	150	SH		SOLE		150	0	0
VAIL RESORTS INC.	CONSUMER DISCRETIONARY	91879Q109	3	15	SH		SOLE		15	0	0
VALERO ENERGY NEW	ENERGY	91913Y100	463	4,357	SH		SOLE		4,242	115	0
VALERO ENERGY NEW	ENERGY	91913Y100	84	792	SH		DFND		792	0	0
VANECK GREEN BOND -E TF	EXCHANGE TRADED FUND-FIXED INC	92189F171	10	435	SH		SOLE		435	0	0
VANECK SEMICONDUCTOR ETF	INFORMATION TECHNOLOGY	92189F676	47	232	SH		SOLE		232	0	0
VANGUARD DIVIDEND APPRECIATION INDEX FUND	EXCHANGE TRADED FUND - EQUITY	921908844	90	627	SH		SOLE		627	0	0
ETF VANGUARD TOTAL INTL STOCK	MUTUAL FUND	921909768	763	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	507	6,741	SH		SOLE		6,741	0	0
VANGUARD FTSE DEVELOPED MARKET ETF	MUTUAL FUND	921943858	538	13,191	SH		SOLE		13,191	0	0
VANGUARD FTSE DEVELOPED MARKET ETF	MUTUAL FUND	921943858	37	900	SH		DFND		0	900	0
ETF VANUARD FINANCIALS ETF	FINANCIALS	92204A405	154	2,000	SH		SOLE		2,000	0	0
VANGUARD UTILITIES ETF	UTILITIES	92204A876	8	50	SH		SOLE		50	0	0
VANGUARD COMMUNICATION SERVICES ETF	COMMUNICATION SERVICES	92204A884	7	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	178	4,275	SH		SOLE		4,275	0	0
VANGUARD MSCI EMERGING MARKETS ETF	EXCHANGE TRADED FUND - EQUITY	922042858	54	1,285	SH		DFND		910	375	0
ETF VANGUARD RUSSELL 3000	EXCHANGE TRADED FUND - EQUITY	92206C599	3,983	23,566	SH		SOLE		23,566	0	0
ETF VANGUARD RUSSELL 3000	EXCHANGE TRADED FUND - EQUITY	92206C599	216	1,280	SH		DFND		1,280	0	0
ETF VANGUARD RUSSELL 2000	MUTUAL FUND	92206C664	74	1,088	SH		SOLE		1,088	0	0
VANGUARD REAL ESTATE ETF	REAL ESTATE	922908553	36	390	SH		SOLE		290	100	0
VANGUARD REAL ESTATE ETF	REAL ESTATE	922908553	18	195	SH		DFND		0	195	0
VANGUARD MID-CAP ETF	EXCHANGE TRADED FUND - EQUITY	922908629	1,182	6,000	SH		SOLE		6,000	0	0
VANGUARD GROWTH ETF	EXCHANGE TRADED FUND - EQUITY	922908736	992	4,450	SH		SOLE		4,450	0	0
VANGUARD VALUE ETF	EXCHANGE TRADED FUND - EQUITY	922908744	48	365	SH		SOLE		365	0	0
VANGUARD SMALL CAP ETF	EXCHANGE TRADED FUND - EQUITY	922908751	4	24	SH		SOLE		24	0	0
VANGUARD TOTAL STOCK MARKET ETF	EXCHANGE TRADED FUND - EQUITY	922908769	862	4,569	SH		SOLE		4,569	0	0
VERIZON COMMUNICATIONS INC	COMMUNICATION SERVICES	92343V104	1,921	37,855	SH		SOLE		36,399	1,456	0
VERIZON COMMUNICATIONS INC	COMMUNICATION SERVICES	92343V104	290	5,709	SH		DFND		3,587	2,122	0
VERISK ANALYTICS INC	INDUSTRIALS	92345Y106	18	105	SH		SOLE		105	0	0
VERTEX PHARMACEUTICALS INC	HEALTHCARE	92532F100	117	417	SH		SOLE		417	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	1,039	5,279	SH		SOLE		5,179	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	868	7,142	SH		SOLE		6,862	280	0
WALMART INC	CONSUMER STAPLES	931142103	15	125	SH		DFND		125	0	0
WASTE MANAGEMENT INC NEW	INDUSTRIALS	94106L109	1,525	9,970	SH		SOLE		9,015	955	0
WASTE MANAGEMENT INC NEW	INDUSTRIALS	94106L109	200	1,310	SH		DFND		880	430	0
WAYFAIR INC CL A	CONSUMER DISCRETIONARY	94419L101	4	100	SH		SOLE		100	0	0
WELLS FARGO & CO NEW	FINANCIALS	949746101	77	1,969	SH		SOLE		1,749	220	0
WELLS FARGO & CO NEW	FINANCIALS	949746101	27	700	SH		DFND		700	0	0
WESTERN DIGITAL CORP	INFORMATION TECHNOLOGY	958102105	16	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	17	110	SH		SOLE		110	0	0
THE WILLIAMS CO. INC.	ENERGY	969457100	118	3,793	SH		SOLE		3,793	0	0
THE WILLIAMS CO. INC.	ENERGY	969457100	97	3,100	SH		DFND		3,100	0	0
WISDOMTREE INVESTMENTS INC	FINANCIALS	97717P104	3	600	SH		SOLE		600	0	0
XCEL ENERGY INC	UTILITIES	98389B100	46	653	SH		SOLE		653	0	0
YUM BRANDS INC.	CONSUMER DISCRETIONARY	988498101	20	180	SH		SOLE		180	0	0
YUM BRANDS INC.	CONSUMER DISCRETIONARY	988498101	68	600	SH		DFND		0	600	0
ZEBRA TECHNOLOGIES CORP CLASS A	INFORMATION TECHNOLOGY	989207105	24	80	SH		SOLE		80	0	0
ZIMMER HOLDINGS INC.	HEALTHCARE	98956P102	55	521	SH		SOLE		21	500	0
ZOETIS INC	HEALTHCARE	98978V103	4	25	SH		SOLE		25	0	0
ZUORA INC	INFORMATION TECHNOLOGY	98983V106	4	494	SH		SOLE		494	0	0
ZYMERGEN INC.	MATERIALS	98985X100	2	1,895	SH		SOLE		1,895	0	0