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
Expires:	Oct 31, 2018
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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	6,649	52	SH		SOLE		52	0	0
ACCENTURE PLC	INFORMATION TECHNOLOGY	G1151C101	1,161,017	3,098	SH		SOLE		3,098	0	0
CAMBIUM NETWORKS CORPORATION	FOREIGN EQUITIES	G17766109	1,615	380	SH		SOLE		380	0	0
EATON CORP PLC	INDUSTRIALS	G29183103	126,293	437	SH		SOLE		437	0	0
KINIKSA PHARMACEUTICALS LTD. -CLASS A	FOREIGN EQUITIES	G5269C101	18,488	875	SH		SOLE		875	0	0
NORWEGIAN CRUISE LINE HOLDINGS LTD	CONSUMER DISCRETIONARY	G66721104	1,938	100	SH		SOLE		100	0	0
NOVOCURE LIMITED	HEALTHCARE	G6674U108	1,531	100	SH		SOLE		100	0	0
PENTAIR PLC	INDUSTRIALS	G7S00T104	23,337	300	SH		SOLE		300	0	0
SMART GLOBAL HOLDINGS INC.	FOREIGN EQUITIES	G8232Y101	7,231	340	SH		SOLE		340	0	0
TEXTAINER GROUP HOLDINGS LIMITED COMMON SHARES	INDUSTRIALS	G8766E109	64,870	1,300	SH		SOLE		1,300	0	0
VINCI PARTNERS INVESTMENTS LTD. - CLASS A	FINANCIALS	G9451V109	9,251	855	SH		SOLE		855	0	0
FIVERR INTERNATIONAL LTD.	FOREIGN EQUITIES	M4R82T106	6,369	270	SH		SOLE		270	0	0
JFROG LTD	FOREIGN EQUITIES	M6191J100	15,452	345	SH		SOLE		345	0	0
WIX.COM LTD	INFORMATION TECHNOLOGY	M98068105	17,943	128	SH		SOLE		128	0	0
ASML HOLDING N V N Y REGISTRY SHS	FOREIGN EQUITIES	N07059210	62,810	66	SH		SOLE		66	0	0
FLEXTRONICS INTL	INFORMATION TECHNOLOGY	Y2573F102	42,210	1,500	SH		SOLE		1,500	0	0
ADMA BIOLOGICS INC COM	HEALTHCARE	000899104	3,135	585	SH		SOLE		585	0	0
ABM INDUSTRIES INCORPORATED COMMON STOCK	INDUSTRIALS	000957100	8,262	200	SH		SOLE		200	0	0
AT&T INC.	COMMUNICATION SERVICES	00206R102	513,749	30,347	SH		SOLE		30,287	0	60
AT&T INC.	COMMUNICATION SERVICES	00206R102	97,684	5,770	SH		DFND		4,710	1,060	0
ARK AUTONOMOUS TECHNOLOGY & ROBOTICS ETF	INFORMATION TECHNOLOGY	00214Q203	1,521	28	SH		SOLE		28	0	0
ABBOTT LABS	HEALTHCARE	002824100	890,730	7,508	SH		SOLE		7,108	400	0
ABBOTT LABS	HEALTHCARE	002824100	142,960	1,205	SH		DFND		0	1,205	0
ABBVIE INC.	HEALTHCARE	00287Y109	2,419,244	13,742	SH		SOLE		13,264	478	0
ABBVIE INC.	HEALTHCARE	00287Y109	416,357	2,365	SH		DFND		1,250	1,115	0
ADOBE INC	INFORMATION TECHNOLOGY	00724F101	603,950	1,078	SH		SOLE		1,078	0	0
AECOM TECHNOLOGY CORP	INFORMATION TECHNOLOGY	00766T100	1,420	16	SH		SOLE		16	0	0
ADVANCED MICRO DEVICES INC	INFORMATION TECHNOLOGY	007903107	1,211,957	6,295	SH		SOLE		6,295	0	0
ADVANCED MICRO DEVICES INC	INFORMATION TECHNOLOGY	007903107	19,253	100	SH		DFND		0	0	100
INVESCO INTERNATIONAL GROWTH FUND	MUTUAL FUND	008882532	1,677	71	SH		SOLE		71	0	0
AIR PRODUCTS & CHEMICALS INC	MATERIALS	009158106	253,930	1,085	SH		SOLE		1,085	0	0
ALBANY INTERNATIONAL CORPORATION COMMON STOCK	INDUSTRIALS	012348108	93,870	1,000	SH		SOLE		1,000	0	0
ALIGN TECHNOLOGY INC.	HEALTHCARE	016255101	3,024	10	SH		SOLE		10	0	0
ALLSTATE CORP	FINANCIALS	020002101	95,712	600	SH		SOLE		300	300	0
ALTRIA GROUP, INC.	CONSUMER STAPLES	02209S103	138,196	3,379	SH		SOLE		3,379	0	0
AMAZON. COM, INC	CONSUMER DISCRETIONARY	023135106	6,519,749	36,885	SH		SOLE		36,685	200	0
AMAZON. COM, INC	CONSUMER DISCRETIONARY	023135106	35,352	200	SH		DFND		200	0	0
AMERICAN ELEC PWR INC	UTILITIES	025537101	53,242	625	SH		SOLE		625	0	0
AMERICAN EXPRESS	FINANCIALS	025816109	445,408	2,030	SH		SOLE		1,993	0	37
AMERICAN EXPRESS	FINANCIALS	025816109	31,157	142	SH		DFND		0	142	0
AMERICAN STATES WATER COMPANY COMMON STOCK	UTILITIES	029899101	142,800	2,000	SH		SOLE		2,000	0	0
AMERICAN TOWER CORPORATION	COMMUNICATION SERVICES	03027X100	547,634	2,754	SH		SOLE		2,754	0	0
AMERIPRISE FINANCIAL INC.	FINANCIALS	03076C106	32,180	79	SH		SOLE		79	0	0
AMGEN INCORPORATED	HEALTHCARE	031162100	647,288	2,364	SH		SOLE		2,364	0	0
AMGEN INCORPORATED	HEALTHCARE	031162100	132,528	484	SH		DFND		484	0	0
AMKOR TECHNOLOGY INC	INFORMATION TECHNOLOGY	031652100	4,653	150	SH		SOLE		150	0	0
APPIAN CORPORATION	INFORMATION TECHNOLOGY	03782L101	9,755	280	SH		SOLE		280	0	0
APPLE INC	INFORMATION TECHNOLOGY	037833100	12,701,259	70,270	SH		SOLE		68,790	1,400	80
APPLE INC	INFORMATION TECHNOLOGY	037833100	491,640	2,720	SH		DFND		2,560	160	0
APPLE HOSPITALTIY REIT INC COMMON SHARES	REAL ESTATE	03784Y200	2,590	161	SH		SOLE		161	0	0
APPLIED MATL INC	INFORMATION TECHNOLOGY	038222105	1,711,334	8,488	SH		SOLE		8,488	0	0
APTARGROUP INC. COMMON STOCK	INDUSTRIALS	038336103	56,184	400	SH		SOLE		400	0	0
ARCHER DANIELS MIDLAND CO	CONSUMER STAPLES	039483102	1,274	24	SH		SOLE		24	0	0
ARISTA NETWORKS INC.	INFORMATION TECHNOLOGY	040413106	66,606	240	SH		SOLE		240	0	0
ARM HOLDINGS PLC SPONSORED ADR	INFORMATION TECHNOLOGY	042068205	14,104	100	SH		SOLE		100	0	0
ARROW FINANCIAL CORPORATION	FINANCIALS	042744102	526,952	21,984	SH		SOLE		21,984	0	0
ASTRAZENECA PLC - ADR	HEALTHCARE	046353108	64,082	999	SH		SOLE		999	0	0
AUTODESK INC.	INFORMATION TECHNOLOGY	052769106	12,908	50	SH		SOLE		50	0	0
AUTOMATIC DATA PROCESSING INC	INFORMATION TECHNOLOGY	053015103	808,123	3,218	SH		SOLE		2,918	300	0
AUTOMATIC DATA PROCESSING INC	INFORMATION TECHNOLOGY	053015103	222,500	886	SH		DFND		0	886	0
AVERY DENNISON CORP	MATERIALS	053611109	64,959	300	SH		SOLE		300	0	0
AXCELIS TECHNOLOGIES INC. COMMON STOCK	INFORMATION TECHNOLOGY	054540208	2,478	22	SH		SOLE		22	0	0
AXON ENTERPRISE INC COM	INDUSTRIALS	05464C101	76,840	250	SH		SOLE		250	0	0
BP P.L.C.	ENERGY	055622104	79,643	2,277	SH		SOLE		2,277	0	0
BP PRUDHOE BAY ROYALTY TRUST	ENERGY	055630107	218	100	SH		SOLE		100	0	0
BM TECHNOLOGIES INC.	INDUSTRIALS	05591L107	1,540	880	SH		SOLE		880	0	0
BAIDU INC - SPON ADR	INFORMATION TECHNOLOGY	056752108	1,215	12	SH		SOLE		12	0	0
BANDWIDTH INC	INFORMATION TECHNOLOGY	05988J103	2,668	130	SH		SOLE		130	0	0
BANK OF AMERICA CORP	FINANCIALS	060505104	721,934	20,914	SH		SOLE		20,914	0	0
BANK OF HAWAII CORPORATION COMMON STOCK	FINANCIALS	062540109	18,081	300	SH		SOLE		300	0	0
BANK OF NEW YORK MELLON CORP	FINANCIALS	064058100	30,455	543	SH		SOLE		543	0	0
BAOUZUN INC-SPN ADR	FOREIGN EQUITIES	06684L103	176	75	SH		SOLE		75	0	0
BARRICK GOLD CORP	MATERIALS	067901108	1,979	135	SH		SOLE		135	0	0
BAXTER INTERNATIONAL INC.	HEALTHCARE	071813109	40,910	1,000	SH		SOLE		1,000	0	0
BECTON DICKINSON & CO	HEALTHCARE	075887109	285,714	1,213	SH		SOLE		978	235	0
BERKSHIRE HATHAWAY INC. DEL CLASS B	FINANCIALS	084670702	3,851,893	9,409	SH		SOLE		9,409	0	0
BERKSHIRE HATHAWAY INC. DEL CLASS B	FINANCIALS	084670702	15,147	37	SH		DFND		0	37	0
BEST BUY	CONSUMER DISCRETIONARY	086516101	26,286	325	SH		SOLE		325	0	0
BIOGEN INC	HEALTHCARE	09062X103	17,359	80	SH		SOLE		80	0	0
BIOVENTUS INC COM CL A	HEALTHCARE	09075A108	3,157	682	SH		SOLE		682	0	0
BLACKROCK INC	FINANCIALS	09247X101	1,162,628	1,433	SH		SOLE		1,433	0	0
BLACKROCK INC	FINANCIALS	09247X101	12,170	15	SH		DFND		0	15	0
BLINK CHARGING CO. - COMMON STOCK	CONSUMER DISCRETIONARY	09354A100	585	184	SH		SOLE		184	0	0
BLOOM ENERGY CORP COM CL A	ENERGY	093712107	1,754	200	SH		SOLE		200	0	0
BOEING	INDUSTRIALS	097023105	289,687	1,422	SH		SOLE		1,422	0	0
BOEING	INDUSTRIALS	097023105	91,674	450	SH		DFND		50	400	0
BOSTON SCIENTIFIC CORP	HEALTHCARE	101137107	52,761	797	SH		SOLE		797	0	0
BRISTOL MYERS SQUIBB CO	HEALTHCARE	110122108	1,237,758	24,390	SH		SOLE		22,390	2,000	0
BRISTOL MYERS SQUIBB CO	HEALTHCARE	110122108	206,297	4,065	SH		DFND		3,000	1,065	0
C3.AI INC	INFORMATION TECHNOLOGY	12468P104	1,848	50	SH		SOLE		50	0	0
CBOE GLOBAL MARKETS, INC.	FINANCIALS	12503M108	19,200	100	SH		SOLE		100	0	0
CME GROUP INC.	FINANCIALS	12572Q105	5,068	23	SH		SOLE		23	0	0
CRA INTERNATIONAL INC.	INDUSTRIALS	12618T105	13,916	105	SH		SOLE		105	0	0
CSX CORPORATION	INDUSTRIALS	126408103	908,761	23,959	SH		SOLE		23,959	0	0
CSX CORPORATION	INDUSTRIALS	126408103	136,548	3,600	SH		DFND		3,600	0	0
CNX RESOURCES COPRORATION COMMON STOCK	ENERGY	12653C108	50,280	2,400	SH		SOLE		2,400	0	0
CVS HEALTH CORP	CONSUMER STAPLES	126650100	894,492	12,028	SH		SOLE		12,028	0	0
COTERRA ENERGY INC	ENERGY	127097103	25,770	1,000	SH		SOLE		1,000	0	0
CANADIAN IMPERIAL BANK OF COMMERCE	FINANCIALS	136069101	7,096	150	SH		SOLE		150	0	0
CANADIAN NATIONAL RAILWAY CO	FOREIGN EQUITIES	136375102	5,187	40	SH		SOLE		40	0	0
CANADIAN NATURAL RESOURCES	ENERGY	136385101	14,285	205	SH		SOLE		205	0	0
CANADIAN SOLAR INC COM	ENERGY	136635109	31,635	1,500	SH		SOLE		1,500	0	0
CAPITAL ONE FINANCIAL CORP	FINANCIALS	14040H105	45,823	333	SH		SOLE		333	0	0
CARGURUS INC COM CL A	CONSUMER DISCRETIONARY	141788109	22,130	1,000	SH		SOLE		1,000	0	0
CARRIER GLOBAL CORPORATION	INDUSTRIALS	14448C104	191,354	3,443	SH		SOLE		2,743	700	0
CARRIER GLOBAL CORPORATION	INDUSTRIALS	14448C104	57,524	1,035	SH		DFND		655	380	0
CASEY'S GENERAL STORES INC	CONSUMER DISCRETIONARY	147528103	82,209	270	SH		SOLE		270	0	0
CATERPILLAR INC	INDUSTRIALS	149123101	2,489,225	7,454	SH		SOLE		7,359	70	25
CATERPILLAR INC	INDUSTRIALS	149123101	490,904	1,470	SH		DFND		1,025	445	0
CENTERPOINT ENERGY, INC	UTILITIES	15189T107	30,250	1,100	SH		SOLE		1,100	0	0
CENTERPOINT ENERGY, INC	UTILITIES	15189T107	110,000	4,000	SH		DFND		4,000	0	0
CENTESSA PHARMACEUTICALS PLC	HEALTHCARE	152309100	9,721	925	SH		SOLE		925	0	0
CHARTER COMMUNICATIONS,INC-A	COMMUNICATION SERVICES	16119P108	7,053	24	SH		SOLE		24	0	0
CHEGG INC COM	CONSUMER DISCRETIONARY	163092109	2,235	250	SH		SOLE		250	0	0
CHESAPEAKE ENERGY CORPORATION	ENERGY	165167735	41,390	500	SH		SOLE		500	0	0
CHEVRON CORPORATION	ENERGY	166764100	2,087,815	13,735	SH		SOLE		13,352	383	0
CHEVRON CORPORATION	ENERGY	166764100	302,649	1,991	SH		DFND		1,486	505	0
CHEWY INC.	CONSUMER DISCRETIONARY	16679L109	440	25	SH		SOLE		25	0	0
CISCO SYSTEMS INC.	INFORMATION TECHNOLOGY	17275R102	1,602,858	33,145	SH		SOLE		32,580	500	65
CISCO SYSTEMS INC.	INFORMATION TECHNOLOGY	17275R102	63,109	1,305	SH		DFND		30	1,275	0
CIRRUS LOGIC INC	INFORMATION TECHNOLOGY	172755100	9,181	100	SH		SOLE		100	0	0
CITIGROUP INC.	FINANCIALS	172967424	422,529	7,615	SH		SOLE		7,615	0	0
CITIGROUP INC.	FINANCIALS	172967424	72,414	1,305	SH		DFND		1,305	0	0
CLEARPOINT NEURO INC.	HEALTHCARE	18507C103	5,623	880	SH		SOLE		880	0	0
CLOROX COMPANY	CONSUMER STAPLES	189054109	65,156	425	SH		SOLE		425	0	0
CLOROX COMPANY	CONSUMER STAPLES	189054109	30,662	200	SH		DFND		0	200	0
COCA COLA CO	CONSUMER STAPLES	191216100	1,653,393	27,548	SH		SOLE		25,078	2,470	0
COCA COLA CO	CONSUMER STAPLES	191216100	247,281	4,120	SH		DFND		3,430	690	0
COGNIZANT TECHNOLOGY SOLUTIONS CORP	INFORMATION TECHNOLOGY	192446102	7,902	100	SH		SOLE		100	0	0
COLGATE PALMOLIVE	CONSUMER STAPLES	194162103	1,065,911	12,320	SH		SOLE		12,285	0	35
COLGATE PALMOLIVE	CONSUMER STAPLES	194162103	137,912	1,594	SH		DFND		1,374	220	0
COMCAST CORP NEW CL A	CONSUMER DISCRETIONARY	20030N101	329,769	7,698	SH		SOLE		7,698	0	0
COMMERCE BANCSHARES INC	FINANCIALS	200525103	54,641	1,050	SH		SOLE		1,050	0	0
COMMERCIAL METALS COMPANY COMMON STOCK	MATERIALS	201723103	172,800	3,200	SH		SOLE		3,200	0	0
COMPASS PATHWAYS PLC	HEALTHCARE	20451W101	5,186	505	SH		SOLE		505	0	0
CONFLUENT INC. CLASS A COMMON STOCK	INFORMATION TECHNOLOGY	20717M103	4,164	123	SH		SOLE		123	0	0
CONOCOPHILLIPS	ENERGY	20825C104	334,235	2,970	SH		SOLE		2,970	0	0
CONOCOPHILLIPS	ENERGY	20825C104	2,250	20	SH		DFND		20	0	0
CONSOLIDATED EDISON INC	UTILITIES	209115104	28,692	329	SH		SOLE		329	0	0
CORNERSTONE STRATEGIC VALUE FUND INC.	FINANCIALS	21924B302	2,762	380	SH		SOLE		380	0	0
CORNING INC	INFORMATION TECHNOLOGY	219350105	376,928	11,695	SH		SOLE		11,695	0	0
COSTCO WHSL CORP NEW	CONSUMER STAPLES	22160K105	1,215,488	1,634	SH		SOLE		1,634	0	0
CUBESMART COM	REAL ESTATE	229663109	5,058	116	SH		SOLE		116	0	0
CUMMINS INC	INDUSTRIALS	231021106	177,276	660	SH		SOLE		660	0	0
CUMMINS INC	INDUSTRIALS	231021106	29,546	110	SH		DFND		110	0	0
DNP SELECT INCOME FUND INC	FIXED INCOME	23325P104	13,260	1,500	SH		SOLE		1,500	0	0
D R HORTON INC	CONSUMER DISCRETIONARY	23331A109	44,533	298	SH		SOLE		298	0	0
DTE ENERGY CO	UTILITIES	233331107	34,126	315	SH		SOLE		315	0	0
DTE ENERGY CO	UTILITIES	233331107	75,303	695	SH		DFND		695	0	0
DANAHER CORP	HEALTHCARE	235851102	977,608	3,862	SH		SOLE		3,862	0	0
DANAHER CORP	HEALTHCARE	235851102	147,074	581	SH		DFND		500	81	0
DARLING INGREDIENTS INC. COMMON STOCK	CONSUMER STAPLES	237266101	152,316	3,600	SH		SOLE		3,600	0	0
DATADOG INC CLASS A	INFORMATION TECHNOLOGY	23804L103	59,025	449	SH		SOLE		449	0	0
DAVITA INC.	HEALTHCARE	23918K108	9,522	75	SH		SOLE		75	0	0
DEERE & CO (JOHN DEERE)	INDUSTRIALS	244199105	534,776	1,465	SH		SOLE		1,255	210	0
DELTA AIR LINES INC	CONSUMER DISCRETIONARY	247361702	19,232	455	SH		SOLE		455	0	0
DEVON ENERGY CORPORATION NEW	ENERGY	25179M103	121,458	2,757	SH		SOLE		2,757	0	0
DIAGEO PLC	CONSUMER DISCRETIONARY	25243Q205	20,206	134	SH		SOLE		134	0	0
DIAMONDBACK ENERGY INC.	ENERGY	25278X109	31,028	170	SH		SOLE		170	0	0
DIGITAL REALTY TRUST INC.	REAL ESTATE	253868103	11,597	79	SH		SOLE		79	0	0
DISNEY (WALT) COMPANY HOLDING CO	CONSUMER DISCRETIONARY	254687106	1,268,064	11,365	SH		SOLE		11,340	0	25
DISNEY (WALT) COMPANY HOLDING CO	CONSUMER DISCRETIONARY	254687106	145,945	1,308	SH		DFND		220	1,088	0
DISCOVER FINANCIAL SERVICES	FINANCIALS	254709108	53,108	440	SH		SOLE		440	0	0
DOCEBO INC.	INFORMATION TECHNOLOGY	25609L105	7,357	135	SH		SOLE		135	0	0
DOCUSIGN INC	INFORMATION TECHNOLOGY	256163106	12,518	235	SH		SOLE		235	0	0
DOLLAR TREE, INC.	CONSUMER DISCRETIONARY	256746108	29,336	200	SH		SOLE		200	0	0
DOMINION ENERGY, INC.	UTILITIES	25746U109	204,328	4,273	SH		SOLE		4,273	0	0
DOMINION ENERGY, INC.	UTILITIES	25746U109	50,689	1,060	SH		DFND		1,060	0	0
DOMINO'S PIZZA INC	CONSUMER DISCRETIONARY	25754A201	2,241	5	SH		SOLE		5	0	0
DONALDSON COMPANY INC	CONSUMER DISCRETIONARY	257651109	6,516	91	SH		SOLE		91	0	0
DOW INC.	MATERIALS	260557103	343,587	6,149	SH		SOLE		5,637	512	0
DOW INC.	MATERIALS	260557103	79,349	1,420	SH		DFND		1,420	0	0
DREAM FINDERS HOMES INC. - CLASS A	CONSUMER DISCRETIONARY	26154D100	24,064	615	SH		SOLE		615	0	0
DUKE ENERGY CORPORATION NEW	ENERGY	26441C204	359,023	3,910	SH		SOLE		3,910	0	0
DUKE ENERGY CORPORATION NEW	ENERGY	26441C204	73,647	802	SH		DFND		802	0	0
EOG RESOURCES INC	ENERGY	26875P101	13,161	115	SH		SOLE		115	0	0
EBAY INC	CONSUMER DISCRETIONARY	278642103	9,783	207	SH		SOLE		207	0	0
ECOLAB INC.	MATERIALS	278865100	16,863	75	SH		SOLE		75	0	0
ELECTRONIC ARTS INC	INFORMATION TECHNOLOGY	285512109	2,789	20	SH		SOLE		20	0	0
EMCOR GROUP INC. COMMON STOCK	INDUSTRIALS	29084Q100	125,404	400	SH		SOLE		400	0	0
EMERSON ELECTRIC	INDUSTRIALS	291011104	368,414	3,448	SH		SOLE		2,248	1,200	0
EMERSON ELECTRIC	INDUSTRIALS	291011104	169,891	1,590	SH		DFND		0	1,590	0
ENBRIDGE INC	ENERGY	29250N105	78,967	2,295	SH		SOLE		2,295	0	0
ENERGY TRANSFER LP COM UT LTD PTN	ENERGY	29273V100	42,456	2,900	SH		SOLE		2,900	0	0
ENTERGY CORPORATION	UTILITIES	29364G103	5,992	59	SH		SOLE		59	0	0
ENTERGY CORPORATION	UTILITIES	29364G103	81,256	800	SH		DFND		800	0	0
ENTERPRISE PRODUCTS PARTNERS L.P.	ENERGY	293792107	192,451	7,011	SH		SOLE		7,011	0	0
EQUITY RESIDENTIAL SHARES OF BENEFICIAL INT	FINANCIALS	29476L107	3,010	50	SH		SOLE		50	0	0
ESPEY MFG. & ELECTRONICS CORP	INDUSTRIALS	296650104	144,824	5,747	SH		SOLE		5,747	0	0
ESPEY MFG. & ELECTRONICS CORP	INDUSTRIALS	296650104	5,040	200	SH		DFND		100	0	100
ETSY INC	CONSUMER DISCRETIONARY	29786A106	11,828	165	SH		SOLE		165	0	0
EXACT SCIENCES CORP COM	HEALTHCARE	30063P105	12,942	225	SH		SOLE		225	0	0
EXELON CORP	UTILITIES	30161N101	70,564	1,969	SH		SOLE		1,694	275	0
EXELON CORP	UTILITIES	30161N101	39,065	1,090	SH		DFND		1,090	0	0
EXXON MOBIL CORP	ENERGY	30231G102	2,058,792	19,698	SH		SOLE		14,893	4,805	0
EXXON MOBIL CORP	ENERGY	30231G102	525,627	5,029	SH		DFND		2,217	2,812	0
F.N.B. CORPORATION	FINANCIALS	302520101	7,337	550	SH		SOLE		550	0	0
META PLATFORMS INC	INFORMATION TECHNOLOGY	30303M102	2,583,932	5,272	SH		SOLE		5,272	0	0
META PLATFORMS INC	INFORMATION TECHNOLOGY	30303M102	34,309	70	SH		DFND		70	0	0
FAIR ISAAC CORPORATION	INFORMATION TECHNOLOGY	303250104	19,048	15	SH		SOLE		15	0	0
FASTLY INC CLASS A	INFORMATION TECHNOLOGY	31188V100	4,408	310	SH		SOLE		310	0	0
FATHOM HOLDINGS INC.	REAL ESTATE	31189V109	634	230	SH		SOLE		230	0	0
FEDEX CORPORATION	INDUSTRIALS	31428X106	193,431	777	SH		SOLE		777	0	0
FEDEX CORPORATION	INDUSTRIALS	31428X106	31,121	125	SH		DFND		125	0	0
FIDELITY MSCI INFORMATION TECHNOLOGY INDEX ETF	INFORMATION TECHNOLOGY	316092808	458,263	2,980	SH		SOLE		2,980	0	0
FIDELITY NATIONAL FINANCIAL INC. COM	FINANCIALS	31620R303	20,232	400	SH		SOLE		400	0	0
FIFTH THIRD BANCORP	FINANCIALS	316773100	23,179	675	SH		SOLE		675	0	0
1STDIBS.COM INC	INFORMATION TECHNOLOGY	320551104	4,918	955	SH		SOLE		955	0	0
FIRST TRUST NASDAQ CLEAN EDGE GREEN ENERGY ETF	ENERGY	33733E500	44,697	1,272	SH		SOLE		1,272	0	0
FT CBOE VEST S&P 500 DIV ARISTOCRATS TARGET I	EXCHANGE TRADED FUND - EQUITY	33739Q705	16,617	320	SH		SOLE		320	0	0
FIRSTENERGY CORP	UTILITIES	337932107	2,013	55	SH		SOLE		55	0	0
FORD MOTOR CO DEL	CONSUMER DISCRETIONARY	345370860	41,052	3,300	SH		SOLE		3,300	0	0
FORTINET INC. COMMON STOCK	INFORMATION TECHNOLOGY	34959E109	3,455	50	SH		SOLE		50	0	0
FORTIVE CORPORATION	INFORMATION TECHNOLOGY	34959J108	8,513	100	SH		DFND		100	0	0
FRANKLIN FTSE INDIA ETF	Exchange Traded Funds - Equity	35473P769	10,138	278	SH		SOLE		278	0	0
FREEPORT-MCMORAN COPPER & GOLD CLASS B	MATERIALS	35671D857	21,551	570	SH		SOLE		570	0	0
FRESHPET INC	CONSUMER STAPLES	358039105	8,477	75	SH		SOLE		75	0	0
FULGENT GENETICS INC.	HEALTHCARE	359664109	19,392	860	SH		SOLE		860	0	0
GATX CORPORATION	INDUSTRIALS	361448103	50,736	400	SH		SOLE		400	0	0
GE HEALTHCARE TECHNOLOGIES, INC.	HEALTHCARE	36266G107	79,410	870	SH		SOLE		508	362	0
GE HEALTHCARE TECHNOLOGIES, INC.	HEALTHCARE	36266G107	365	4	SH		DFND		0	0	4
GAMESTOP CORP NEW CL A	CONSUMER DISCRETIONARY	36467W109	171	12	SH		SOLE		12	0	0
GENERAL DYNAMICS CORPORATION	INDUSTRIALS	369550108	828,751	3,033	SH		SOLE		3,033	0	0
GENERAL DYNAMICS CORPORATION	INDUSTRIALS	369550108	17,761	65	SH		DFND		65	0	0
GENERAL MILLS, INC	CONSUMER STAPLES	370334104	74,063	1,154	SH		SOLE		554	600	0
GENERAL MILLS, INC	CONSUMER STAPLES	370334104	89,852	1,400	SH		DFND		1,400	0	0
GILEAD SCIENCES, INC.	HEALTHCARE	375558103	153,568	2,130	SH		SOLE		2,130	0	0
GINGKO BIOWORKS HOLDINGS INC	MATERIALS	37611X100	2,625	1,739	SH		SOLE		1,739	0	0
GLADSTONE LAND CORPORATION	REAL ESTATE	376549101	3,903	300	SH		SOLE		300	0	0
GLOBAL X AUTONOMOUS & ELECTRIC VEHICLE ETF	EXCHANGE TRADED FUND - EQUITY	37954Y624	30,416	1,260	SH		SOLE		1,260	0	0
GLOBAL X ARTIFICIAL INTEL & TECH EFT	EXCHANGE TRADED FUND - EQUITY	37954Y632	144,472	4,340	SH		SOLE		4,340	0	0
GOLDMAN SACHS GROUP INC	FINANCIALS	38141G104	7,780	20	SH		SOLE		20	0	0
W.W. GRAINGER	INDUSTRIALS	384802104	90,531	93	SH		SOLE		93	0	0
GUARDANT HEALTH INC.	HEALTHCARE	40131M109	2,185	115	SH		SOLE		115	0	0
HARLEY DAVIDSON	CONSUMER DISCRETIONARY	412822108	5,983	165	SH		SOLE		165	0	0
THE HERSHEY COMPANY	CONSUMER STAPLES	427866108	93,395	497	SH		SOLE		497	0	0
HOME DEPOT INC	CONSUMER DISCRETIONARY	437076102	3,431,094	9,015	SH		SOLE		8,010	1,005	0
HOME DEPOT INC	CONSUMER DISCRETIONARY	437076102	395,824	1,040	SH		DFND		400	640	0
HONEYWELL INTERNATIONAL INC	INDUSTRIALS	438516106	727,330	3,660	SH		SOLE		3,660	0	0
HUB GROUP INC	INDUSTRIALS	443320106	42,520	1,000	SH		SOLE		1,000	0	0
HUBSPOT INC.	INFORMATION TECHNOLOGY	443573100	99,008	160	SH		SOLE		160	0	0
ILLINOIS TOOL WORKS INC.	INDUSTRIALS	452308109	264,230	1,008	SH		SOLE		1,008	0	0
IMMUNITYBIO INC.	HEALTHCARE	45256X103	2,128	450	SH		SOLE		450	0	0
INSULET CORPORATION - COMMON STOCK	HEALTHCARE	45784P101	13,940	85	SH		SOLE		85	0	0
INTEL CORP	INFORMATION TECHNOLOGY	458140100	1,877,961	43,634	SH		SOLE		41,168	2,401	65
INTEL CORP	INFORMATION TECHNOLOGY	458140100	338,766	7,871	SH		DFND		5,649	2,222	0
CORECARD CORPORATION	INFORMATION TECHNOLOGY	45816D100	3,381	265	SH		SOLE		265	0	0
INTERACTIVE BROKERS GRO-CL A	FINANCIALS	45841N107	27,180	250	SH		SOLE		250	0	0
INTERCONTINENTAL EXCHANGE INCOM	FINANCIALS	45866F104	34,605	250	SH		SOLE		250	0	0
INTL BUSINESS MACHINES	INFORMATION TECHNOLOGY	459200101	1,261,698	6,819	SH		SOLE		6,819	0	0
INTL BUSINESS MACHINES	INFORMATION TECHNOLOGY	459200101	309,923	1,675	SH		DFND		753	922	0
INTERNATIONAL PAPER CO	MATERIALS	460146103	11,313	320	SH		SOLE		285	0	35
INTUITIVE SURGICAL INC	HEALTHCARE	46120E602	23,135	60	SH		SOLE		60	0	0
INTUIT INC	INFORMATION TECHNOLOGY	461202103	12,594	19	SH		SOLE		19	0	0
INVESCO AEROSPACE & DEFENSE EFT	EXCHANGE TRADED FUND - EQUITY	46137V100	22,997	235	SH		SOLE		235	0	0
INVESCO DYNAMIC BIOTECH & GENOME ETF	HEALTHCARE	46137V787	3,081	47	SH		SOLE		47	0	0
INVESCO PREFERRED ETF	EXCHANGE TRADED FUND-FIXED INC	46138E511	13,662	1,150	SH		SOLE		1,150	0	0
INVESCO GLOBAL WATER ETF	EXCHANGE TRADED FUND - EQUITY	46138E651	61,635	1,500	SH		SOLE		1,500	0	0
INVESCO EXCH TRADED FD TR IISOLAR ETF	ENERGY	46138G706	4,099	95	SH		SOLE		95	0	0
INVITAE CORP COM	HEALTHCARE	46185L103	1	125	SH		SOLE		125	0	0
IQIYI, INC. - ADR	INFORMATION TECHNOLOGY	46267X108	369	100	SH		SOLE		100	0	0
IROBOT CORPORATION	INDUSTRIALS	462726100	342	30	SH		SOLE		30	0	0
ETF ISHARES SILVER TR	MUTUAL FUND	46428Q109	78,943	3,810	SH		SOLE		3,810	0	0
ISHARES MSCI AUSTRALIA ETF	MUTUAL FUND	464286103	7,172	300	SH		DFND		300	0	0
ISHARES MSCI CANADA ETF	MUTUAL FUND	464286509	9,192	250	SH		DFND		250	0	0
ISHARES MSCI SOUTH KOREA CAPPED ETF	EXCHANGE TRADED FUND - EQUITY	464286772	53,395	833	SH		SOLE		833	0	0
ISHARES S & P 100 ETF	MUTUAL FUND	464287101	1,352,905	5,610	SH		SOLE		5,610	0	0
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF	EXCHANGE TRADED FUND - EQUITY	464287150	146,944	1,312	SH		SOLE		1,312	0	0
ISHARES SELECT DIVIDEND ETF	EXCHANGE TRADED FUND - EQUITY	464287168	151,397	1,300	SH		SOLE		1,300	0	0
ISHARES TIPS BOND ETF	EXCHANGE TRADED FUND-FIXED INC	464287176	3,773,379	35,358	SH		SOLE		34,963	0	395
ISHARES TIPS BOND ETF	EXCHANGE TRADED FUND-FIXED INC	464287176	426,985	4,001	SH		DFND		3,694	307	0
ISHARES CORE S&P 500 ETF	EXCHANGE TRADED FUND - EQUITY	464287200	61,764	121	SH		SOLE		121	0	0
ISHARES CORE TOTAL US AGGREGATE BOND ETF-W	EXCHANGE TRADED FUND-FIXED INC	46428722W	517,607	5,317	SH		SOLE		5,317	0	0
ISHARES CORE TOTAL US AGGREGATE BOND ETF	EXCHANGE TRADED FUND-FIXED INC	464287226	3,441,021	35,347	SH		SOLE		35,347	0	0
ISHARES MSCI EMERGING MARKETS ETF	EXCHANGE TRADED FUND - EQUITY	464287234	45,577	1,140	SH		SOLE		1,140	0	0
ISHARES IBOXX $INVESTMENT BOND FD	FIXED INCOME	464287242	76,869	714	SH		SOLE		714	0	0
ISHARES MSCI EAFE ETF FUND	EXCHANGE TRADED FUND - EQUITY	464287465	905,740	11,725	SH		SOLE		11,725	0	0
ISHARES MSCI EAFE ETF FUND	EXCHANGE TRADED FUND - EQUITY	464287465	15,450	200	SH		DFND		0	200	0
ISHARES RUSSELL MIDCAP GROWTH INDEX FUND	EXCHANGE TRADED FUND - EQUITY	464287481	18,527	166	SH		SOLE		166	0	0
ISHARES RUSSELL MIDCAP ETF	EXCHANGE TRADED FUND - EQUITY	464287499	287,438	3,557	SH		SOLE		3,557	0	0
ISHARES CORE S&P MID CAP ETF	EXCHANGE TRADED FUND - EQUITY	464287507	633,572	10,990	SH		SOLE		10,990	0	0
ISHARES CORE S&P MID CAP ETF	EXCHANGE TRADED FUND - EQUITY	464287507	43,237	750	SH		DFND		0	750	0
ISHARES RUSSELL 1000 VALUE INDEX FUND	EXCHANGE TRADED FUND - EQUITY	464287598	513,263	2,997	SH		SOLE		2,997	0	0
ISHARES RUSSELL 1000 GROWTH ETF	EXCHANGE TRADED FUND - EQUITY	464287614	2,252,661	6,803	SH		SOLE		6,803	0	0
ISHARES RUSSELL 2000 GROWTH ETF	EXCHANGE TRADED FUND - EQUITY	464287648	416,557	1,578	SH		SOLE		1,578	0	0
ISHARES RUSSELL 2000 ETF	EXCHANGE TRADED FUND - EQUITY	464287655	294,999	1,448	SH		SOLE		1,448	0	0
ISHARES U.S. TECHNOLOGY ETF	INFORMATION TECHNOLOGY	464287721	53,582	402	SH		SOLE		402	0	0
ISHARES U.S. HEALTHCARE ETF	HEALTHCARE	464287762	3,032	10	SH		SOLE		10	0	0
ISHARES CORE S&P SMALL-CAP ETF	EXCHANGE TRADED FUND - EQUITY	464287804	3,828,390	35,663	SH		SOLE		35,583	0	80
ISHARES CORE S&P SMALL-CAP ETF	EXCHANGE TRADED FUND - EQUITY	464287804	200,098	1,864	SH		DFND		540	1,324	0
ISHARES US CONSUMER STAPLES EFT	EXCHANGE TRADED FUND - EQUITY	464287812	249,323	1,274	SH		SOLE		1,274	0	0
ISHARES S&P SMALLCAP 600 GROWTH INDEX FD	Exchange Traded Funds - Equity	464287887	4,949	39	SH		SOLE		39	0	0
ETF ISHARES GLOBAL CLEAN ENERGY	ENERGY	464288224	40,031	2,878	SH		SOLE		2,878	0	0
ISHARES MSCI KLD 400 SOCIAL	EXCHANGE TRADED FUND - EQUITY	464288570	67,281	690	SH		SOLE		690	0	0
ISHARES DOW JONES US HOME CONSTRUCTION INDEX	EXCHANGE TRADED FUND - EQUITY	464288752	75,960	704	SH		SOLE		704	0	0
ISHARES MSCI USA ESG SELECT	EXCHANGE TRADED FUND - EQUITY	464288802	217,258	2,050	SH		SOLE		2,050	0	0
ISHARES MSCI EAFE GROWTH ETF	EXCHANGE TRADED FUND - EQUITY	464288885	77,998	768	SH		SOLE		768	0	0
ISHARES US TREASURY BOND ETF	ETF's - Fixed Income	46429B267	76,591	3,383	SH		SOLE		3,383	0	0
ISHARES MSCI SINGAPORE ETF	EXCHANGE TRADED FUND - EQUITY	46434G780	4,692	264	SH		DFND		264	0	0
ISHARES IBONDS DEC 2025 CORP-ETF	EXCHANGE TRADED FUND-FIXED INC	46434VBD1	106,417	4,300	SH		SOLE		4,300	0	0
ISHARES IBONDS DEC 2024 CORP EFT	EXCHANGE TRADED FUND-FIXED INC	46434VBG4	179,334	7,168	SH		SOLE		7,168	0	0
ISHARES IBONDS DEC 2026 TERMCORPORATE ETF	EXCHANGE TRADED FUND-FIXED INC	46435GAA0	120,321	5,058	SH		SOLE		5,058	0	0
ISHARE HIGH YIELD BOND FACTOR EFT	EXCHANGE TRADED FUND-FIXED INC	46435G250	25,633	554	SH		SOLE		554	0	0
ISHARES IBONDS DEC 2027 CORPORATE ETF	EXCHANGE TRADED FUND-FIXED INC	46435UAA9	214,185	9,030	SH		SOLE		9,030	0	0
ISHARES IBONDS DEC 2028 TERM CORPORATE ETF	EXCHANGE TRADED FUND-FIXED INC	46435U515	255,397	10,303	SH		SOLE		10,303	0	0
ISHARES IBONDS DEC 2033 TERMCORPORATE ETF	EXCHANGE TRADED FUND-FIXED INC	46436E130	1,487	59	SH		SOLE		59	0	0
ISHARES IBONDS DEC 2029 TERM CORPORATE ETF	EXCHANGE TRADED FUND-FIXED INC	46436E205	286,191	12,619	SH		SOLE		12,619	0	0
ISHARES TRUST IBONDS DEC2032TERM CORP ETF	EXCHANGE TRADED FUND-FIXED INC	46436E312	112,027	4,556	SH		SOLE		3,546	0	1,010
ISHARES IBONDS DEC 2031 TERM TREASURY ETF	EXCHANGE TRADED FUND-FIXED INC	46436E460	4,819	240	SH		SOLE		240	0	0
ISHARES IBONDS DEC 2031 TERM CORPORATE ETF	EXCHANGE TRADED FUND-FIXED INC	46436E486	1,269,029	62,516	SH		SOLE		61,286	0	1,230
ISHARES IBONDS DEC 2030 TERM CORP-ETF	EXCHANGE TRADED FUND-FIXED INC	46436E726	233,726	10,989	SH		SOLE		10,989	0	0
ISHARES IBONDS DEC 2024 TERM TREASURY ETF	EXCHANGE TRADED FUND-FIXED INC	46436E874	17,195	718	SH		SOLE		718	0	0
ISSUER DIRECT CORPORATION	INFORMATION TECHNOLOGY	46520M204	4,800	320	SH		SOLE		320	0	0
JPMORGAN CHASE & CO COM	FINANCIALS	46625H100	4,106,845	22,073	SH		SOLE		21,083	965	25
JPMORGAN CHASE & CO COM	FINANCIALS	46625H100	181,406	975	SH		DFND		945	30	0
JD.COM INC.-ADR	CONSUMER DISCRETIONARY	47215P106	1,582	70	SH		SOLE		70	0	0
JOHNSON & JOHNSON	HEALTHCARE	478160104	3,573,204	22,142	SH		SOLE		21,004	1,108	30
JOHNSON & JOHNSON	HEALTHCARE	478160104	535,131	3,316	SH		DFND		1,385	1,931	0
KLA-TENCOR CORPORATION	INFORMATION TECHNOLOGY	482480100	6,822	10	SH		SOLE		10	0	0
KELLOGG COMPANY	CONSUMER STAPLES	487836108	69,875	1,267	SH		DFND		1,267	0	0
KIMBERLY CLARK	CONSUMER STAPLES	494368103	185,630	1,532	SH		SOLE		1,532	0	0
KIMBERLY CLARK	CONSUMER STAPLES	494368103	121,170	1,000	SH		DFND		1,000	0	0
KINDER MORGAN INC.	ENERGY	49456B101	21,915	1,261	SH		SOLE		1,261	0	0
KROGER COMPANY	CONSUMER STAPLES	501044101	1,587	32	SH		SOLE		32	0	0
L3HARRIS TECHNOLOGIES INC. COMMON STOCK	INDUSTRIALS	502431109	4,233	20	SH		SOLE		20	0	0
LAM RESEARCH CORP COMMON	HEALTHCARE	512807108	55,355	59	SH		SOLE		59	0	0
ESTEE LAUDER COMPANIES-CL A	CONSUMER STAPLES	518439104	8,023	54	SH		SOLE		54	0	0
LENNAR COPORATION CLASS A	CONSUMER DISCRETIONARY	526057104	77,669	490	SH		SOLE		490	0	0
LENNAR CORPORATION CLASS B	CONSUMER DISCRETIONARY	526057302	147	1	SH		SOLE		1	0	0
ELI LILLY & CO	HEALTHCARE	532457108	2,885,021	3,828	SH		SOLE		3,828	0	0
ELI LILLY & CO	HEALTHCARE	532457108	625,545	830	SH		DFND		750	80	0
LINCOLN ELECTRIC HOLDING INC	INDUSTRIALS	533900106	12,829	50	SH		SOLE		50	0	0
LITTELFUSE INC	INFORMATION TECHNOLOGY	537008104	11,912	50	SH		SOLE		50	0	0
LOCKHEED MARTIN CORP	INDUSTRIALS	539830109	2,204,907	5,149	SH		SOLE		4,829	320	0
LOCKHEED MARTIN CORP	INDUSTRIALS	539830109	381,123	890	SH		DFND		890	0	0
LOOMIS SAYLES BOND FUND	FIXED INCOME	543495840	85,652	7,461	SH		SOLE		7,461	0	0
LOWES COMPANIES INC	CONSUMER DISCRETIONARY	548661107	684,453	2,844	SH		SOLE		2,769	0	75
LOWES COMPANIES INC	CONSUMER DISCRETIONARY	548661107	57,760	240	SH		DFND		240	0	0
LULULEMON ATHLETICA INC	CONSUMER DISCRETIONARY	550021109	18,683	40	SH		SOLE		40	0	0
M.D.C. HOLDINGS INC. COMMON STOCK	CONSUMER DISCRETIONARY	552676108	125,400	2,000	SH		SOLE		2,000	0	0
MDU RESOURCES GROUP INC	ENERGY	552690109	21,680	1,000	SH		SOLE		1,000	0	0
MPLX LP	ENERGY	55336V100	142,191	3,700	SH		SOLE		3,700	0	0
MACROGENICS INC. COMMON STOCK	HEALTHCARE	556099109	5,271	294	SH		SOLE		294	0	0
MANULIFE FINANCIAL	FINANCIALS	56501R106	3,179	134	SH		SOLE		134	0	0
MARATHON PETROLEUM CORPORATION	ENERGY	56585A102	214,922	1,270	SH		SOLE		1,270	0	0
MARKEL GROUP INC	FINANCIALS	570535104	14,924	10	SH		SOLE		10	0	0
MARRIOTT INTERNATIONAL INC. CLASS A	CONSUMER DISCRETIONARY	571903202	16,241	65	SH		SOLE		65	0	0
MARVELL TECHNOLOGY INC. COMMON STOCK	INFORMATION TECHNOLOGY	573874104	152,325	2,126	SH		SOLE		2,126	0	0
MASIMO CORPORATION	HEALTHCARE	574795100	1,542	12	SH		SOLE		12	0	0
MASONITE INTERNATIONAL CORPORATION	INDUSTRIALS	575385109	3,907	30	SH		SOLE		30	0	0
MASTERCARD INC - CLASS A	INFORMATION TECHNOLOGY	57636Q104	366,510	772	SH		SOLE		707	65	0
MCCORMICK & CO.	CONSUMER STAPLES	579780206	110,176	1,600	SH		SOLE		200	1,400	0
MCDONALDS CORP	CONSUMER DISCRETIONARY	580135101	2,837,014	9,707	SH		SOLE		8,907	785	15
MCDONALDS CORP	CONSUMER DISCRETIONARY	580135101	718,103	2,457	SH		DFND		1,200	1,257	0
MCGRATH RENTCORP	CONSUMER DISCRETIONARY	580589109	62,240	500	SH		SOLE		500	0	0
MCKESSON CORPORATION	HEALTHCARE	58155Q103	186,660	358	SH		SOLE		358	0	0
MERCADOLIBRE INC	INFORMATION TECHNOLOGY	58733R102	23,929	15	SH		SOLE		15	0	0
MERCK & CO., INC	HEALTHCARE	58933Y105	1,198,238	9,424	SH		SOLE		9,124	300	0
MERCK & CO., INC	HEALTHCARE	58933Y105	239,677	1,885	SH		DFND		1,885	0	0
METLIFE INC	FINANCIALS	59156R108	1,094,116	15,689	SH		SOLE		15,659	0	30
METLIFE INC	FINANCIALS	59156R108	89,057	1,277	SH		DFND		1,277	0	0
MICROSOFT CORP	INFORMATION TECHNOLOGY	594918104	9,965,354	24,092	SH		SOLE		22,724	1,368	0
MICROSOFT CORP	INFORMATION TECHNOLOGY	594918104	220,882	534	SH		DFND		80	454	0
MID-AMERICA APARTMENT COMMUNITIES INC.	REAL ESTATE	59522J103	3,142	25	SH		SOLE		25	0	0
MIMEDX GROUP INC COM	HEALTHCARE	602496101	3,182	390	SH		SOLE		390	0	0
MITEK SYSTEMS INC.	INFORMATION TECHNOLOGY	606710200	10,449	900	SH		SOLE		900	0	0
MONDELEZ INTERNATIONAL INC	CONSUMER STAPLES	609207105	128,144	1,754	SH		SOLE		754	1,000	0
MONGODB, INC.	INFORMATION TECHNOLOGY	60937P106	39,386	88	SH		SOLE		88	0	0
MORGAN STANLEY	FINANCIALS	617446448	475,954	5,532	SH		SOLE		5,532	0	0
MUELLER INDUSTRIES INC. COMMON STOCK	MATERIALS	624756102	61,656	1,200	SH		SOLE		1,200	0	0
NASDAQ STOCK MARKET INC	FINANCIALS	631103108	8,430	150	SH		SOLE		150	0	0
NATIONAL FUEL GAS CO. NJ	UTILITIES	636180101	13,403	275	SH		SOLE		275	0	0
NETAPP, INC.	INFORMATION TECHNOLOGY	64110D104	8,912	100	SH		SOLE		100	0	0
NETFLIX INC	INFORMATION TECHNOLOGY	64110L106	567,326	941	SH		SOLE		941	0	0
NEWMONT CORPORATION	MATERIALS	651639106	41,000	1,312	SH		SOLE		1,312	0	0
NEXTERA ENERGY INC	UTILITIES	65339F101	1,541,742	27,941	SH		SOLE		26,741	1,200	0
NICE LTD - AMERICAN DEPOSITORY SHARES	INFORMATION TECHNOLOGY	653656108	7,354	30	SH		SOLE		30	0	0
NIKE, INC	CONSUMER DISCRETIONARY	654106103	700,159	6,737	SH		SOLE		6,737	0	0
NORFOLK SOUTHERN CORPORATION	INDUSTRIALS	655844108	38,007	150	SH		SOLE		150	0	0
NORTHROP GRUMMAN CORP	INDUSTRIALS	666807102	339,760	737	SH		SOLE		737	0	0
NOVARTIS AG - ADR	FOREIGN EQUITIES	66987V109	29,180	289	SH		SOLE		159	130	0
NUCOR	MATERIALS	670346105	290,373	1,510	SH		SOLE		910	600	0
NUCOR	MATERIALS	670346105	153,840	800	SH		DFND		800	0	0
NVIDIA CORP.	INFORMATION TECHNOLOGY	67066G104	8,057,403	10,185	SH		SOLE		10,185	0	0
NUVEEN QUALITY MUNICIPAL INCOME FUND	MUTUAL FUNDS-NON TAX	67066V101	7,546	669	SH		SOLE		669	0	0
NUVEEN NEW YORK QUALITY MUNICIPAL INCOME FD	MUTUAL FUNDS-NON TAX	67066X107	31,668	2,900	SH		SOLE		2,900	0	0
NUVEEN AMT-FREE MUNI CREDIT INCOME FUND	MUTUAL FUNDS-NON TAX	67071L106	18,321	1,550	SH		SOLE		1,550	0	0
NUSHARES ETF TR NUVEEN ESG SMLCP	EXCHANGE TRADED FUND - EQUITY	67092P607	560	14	SH		SOLE		14	0	0
OCCIDENTAL PETROLEUM CORP	ENERGY	674599105	10,606	175	SH		SOLE		175	0	0
ONEOK INC	ENERGY	682680103	144,979	1,930	SH		SOLE		1,930	0	0
ON24 INC.	INFORMATION TECHNOLOGY	68339B104	4,738	675	SH		SOLE		675	0	0
OPERA LIMITED AMERICAN DEPOSITARY	INFORMATION TECHNOLOGY	68373M107	2,728	224	SH		SOLE		224	0	0
ORACLE CORPORATION	INFORMATION TECHNOLOGY	68389X105	967,907	8,667	SH		SOLE		8,667	0	0
ORACLE CORPORATION	INFORMATION TECHNOLOGY	68389X105	18,985	170	SH		DFND		0	170	0
OTIS WORLDWIDE CORPORATION	INDUSTRIALS	68902V107	168,295	1,766	SH		SOLE		1,416	350	0
OTIS WORLDWIDE CORPORATION	INDUSTRIALS	68902V107	49,269	517	SH		DFND		327	190	0
OUTSET MEDICAL INC.	HEALTHCARE	690145107	882	280	SH		SOLE		280	0	0
PNC FINANCIAL SERVICES GROUP INC	FINANCIALS	693475105	47,692	324	SH		SOLE		324	0	0
PPL CORP	UTILITIES	69351T106	2,636	100	SH		SOLE		100	0	0
PACER SMALL CAP ETF	Exchange Traded Funds - Equity	69374H857	159,525	3,294	SH		SOLE		3,294	0	0
PACIRA BIOSCIENCES, INC	HEALTHCARE	695127100	17,826	600	SH		SOLE		600	0	0
PALANTIR TECHNOLOGIES INC. CLASS A COMMON STOCK	INFORMATION TECHNOLOGY	69608A108	6,819	272	SH		SOLE		272	0	0
PALO ALTO NETWORKS INC	INFORMATION TECHNOLOGY	697435105	156,819	505	SH		SOLE		505	0	0
PARKER HANNIFIN CORP	MATERIALS	701094104	43,371	81	SH		SOLE		81	0	0
PAYCHEX INC	INFORMATION TECHNOLOGY	704326107	11,281	92	SH		SOLE		92	0	0
PELOTON INTERACTIVE INC CLASS A	CONSUMER DISCRETIONARY	70614W100	3,111	690	SH		SOLE		690	0	0
PEPSICO INC	CONSUMER STAPLES	713448108	3,049,300	18,443	SH		SOLE		18,148	295	0
PEPSICO INC	CONSUMER STAPLES	713448108	567,111	3,430	SH		DFND		1,815	1,615	0
PETROLEO BRASILEIRO S.A. ADR	FOREIGN EQUITIES	71654V101	16,160	1,000	SH		SOLE		1,000	0	0
PFIZER INC	HEALTHCARE	717081103	1,372,227	51,686	SH		SOLE		49,130	2,556	0
PFIZER INC	HEALTHCARE	717081103	104,473	3,935	SH		DFND		3,610	325	0
PHILIP MORRIS INTERNATIONAL W/I	CONSUMER DISCRETIONARY	718172109	191,972	2,134	SH		SOLE		2,134	0	0
PHILLIPS 66	ENERGY	718546104	1,303,505	9,147	SH		SOLE		8,937	210	0
PHILLIPS 66	ENERGY	718546104	178,850	1,255	SH		DFND		1,255	0	0
PINTEREST INC CL A	COMMUNICATION SERVICES	72352L106	33,580	915	SH		SOLE		915	0	0
PIONEER NATURAL RESOURCES COMPANY	ENERGY	723787107	22,811	97	SH		SOLE		97	0	0
PLAINS ALL AMERICAN PIPELINE	ENERGY	726503105	177,228	10,800	SH		SOLE		10,800	0	0
PLUG POWER INC.	INFORMATION TECHNOLOGY	72919P202	5,315	1,510	SH		SOLE		1,510	0	0
POST HOLDINGS INC	CONSUMER STAPLES	737446104	5,208	50	SH		SOLE		50	0	0
T ROWE PRICE GROUP INC	FINANCIALS	74144T108	42,506	375	SH		SOLE		375	0	0
PROCTER & GAMBLE CO	CONSUMER STAPLES	742718109	4,127,129	25,967	SH		SOLE		24,260	1,672	35
PROCTER & GAMBLE CO	CONSUMER STAPLES	742718109	704,259	4,431	SH		DFND		2,620	1,811	0
PROLOGIS, INC.	REAL ESTATE	74340W103	7,728	58	SH		SOLE		58	0	0
PRUDENTIAL FINANCIAL INC	FINANCIALS	744320102	323,025	2,964	SH		SOLE		2,964	0	0
PRUDENTIAL FINANCIAL INC	FINANCIALS	744320102	79,562	730	SH		DFND		730	0	0
PUBLIC SERVICE ENTERPRISE GROUP, INC	UTILITIES	744573106	9,672	155	SH		SOLE		155	0	0
PUBMATIC INC COM CL A	CONSUMER DISCRETIONARY	74467Q103	11,490	549	SH		SOLE		549	0	0
PULTEGROUP, INC	INDUSTRIALS	745867101	97,758	902	SH		SOLE		902	0	0
QUALCOMM INC	INFORMATION TECHNOLOGY	747525103	1,619,996	10,267	SH		SOLE		10,020	217	30
QUANTA SERVICES INC	INDUSTRIALS	74762E102	112,301	465	SH		SOLE		465	0	0
REGENERON PHARMACEUTICALS	HEALTHCARE	75886F107	423,133	438	SH		SOLE		438	0	0
RELAY THERAPEUTICS INC COM	HEALTHCARE	75943R102	3,446	344	SH		SOLE		344	0	0
REPLIGEN CORPORATION	HEALTHCARE	759916109	48,497	250	SH		SOLE		250	0	0
RIMINI STREET INC.	INFORMATION TECHNOLOGY	76674Q107	5,054	1,565	SH		SOLE		1,565	0	0
RIO TINTO PLC	MATERIALS	767204100	96,780	1,500	SH		SOLE		1,500	0	0
ROBLOX CORP CL A	CONSUMER DISCRETIONARY	771049103	3,031	76	SH		SOLE		76	0	0
ROCHE HOLDING AG	HEALTHCARE	771195104	3,370	103	SH		SOLE		103	0	0
ROKU INC	CONSUMER DISCRETIONARY	77543R102	6,002	95	SH		SOLE		95	0	0
RYMAN HOSPITALITY PROPERTIES(REIT)	FINANCIALS	78377T107	5,331	45	SH		SOLE		45	0	0
SPDR S & P 500 ETF TRUST	EXCHANGE TRADED FUND - EQUITY	78462F103	25,412,582	50,017	SH		SOLE		50,017	0	0
SPDR S & P 500 ETF TRUST	EXCHANGE TRADED FUND - EQUITY	78462F103	1,846,868	3,635	SH		DFND		1,020	2,615	0
SPDR GOLD TRUST	Exchange Traded Funds - Equity	78463V107	246,856	1,304	SH		SOLE		1,304	0	0
SPDR NYSE TECHNOLOGY ETF	INFORMATION TECHNOLOGY	78464A102	68,202	380	SH		SOLE		380	0	0
SPDR S&P 600 SMALL CAP GROWTH EFT	EXCHANGE TRADED FUND - EQUITY	78464A201	6,370	75	SH		SOLE		75	0	0
SPDR PORTFOLIO TIP ETF	EXCHANGE TRADED FUND-FIXED INC	78464A656	28,863	1,131	SH		SOLE		1,131	0	0
SPDR S&P REGIONAL BANKING ETF	FINANCIALS	78464A698	3,609	75	SH		SOLE		75	0	0
SPDR S&P DIVIDEND ETF	EXCHANGE TRADED FUND - EQUITY	78464A763	183,492	1,460	SH		SOLE		1,460	0	0
ETF SPDR S&P BIOTECH	HEALTHCARE	78464A870	136,803	1,390	SH		SOLE		1,390	0	0
S&P MIDCAP 400 DEPOSITORY RECEIPTS ETF -W	EXCHANGE TRADED FUND - EQUITY	78467Y10W	65,472	124	SH		SOLE		124	0	0
S & P MIDCAP 400 DEPOSITORY RECEIPTS ETF	EXCHANGE TRADED FUND - EQUITY	78467Y107	5,646,432	10,694	SH		SOLE		10,642	0	52
S & P MIDCAP 400 DEPOSITORY RECEIPTS ETF	EXCHANGE TRADED FUND - EQUITY	78467Y107	236,544	448	SH		DFND		230	218	0
SPDR NUVEEN BLOOMBERG BARCLAY MUNICIPAL BOND ETF	EXCHANGE TRADED FUND-FIXED INC	78468R721	70,155	1,500	SH		SOLE		1,500	0	0
SPDR MSCI USA GENDER DIVERSITY ETF	EXCHANGE TRADED FUND - EQUITY	78468R747	824	8	SH		SOLE		8	0	0
SALESFORCE, INC.	INFORMATION TECHNOLOGY	79466L302	433,576	1,404	SH		SOLE		1,404	0	0
SAP AKTIENGESELLSCHAFT ADR	FOREIGN EQUITIES	803054204	37,384	199	SH		SOLE		199	0	0
SCHLUMBERGER LTD	ENERGY	806857108	25,421	526	SH		SOLE		526	0	0
SCHLUMBERGER LTD	ENERGY	806857108	11,792	244	SH		DFND		0	244	0
CHARLES SCHWAB CORPORATION	FINANCIALS	808513105	11,015	165	SH		SOLE		165	0	0
SCHWAB U.S. SMALL-CAP ETF	EXCHANGE TRADED FUND - EQUITY	808524607	12,486	262	SH		SOLE		262	0	0
SCHWAB FUNDAMENTAL INTERNATIONAL SMALL COMPANY	EXCHANGE TRADED FUND - EQUITY	808524748	7,391	215	SH		SOLE		215	0	0
SCWAB FUNDAMENTAL INTERNATIONAL LARGE COMPANY	EXCHANGE TRADED FUND - EQUITY	808524755	12,320	361	SH		SOLE		361	0	0
SCHWAB FUNDAMENTAL U.S. SMALL COMPANY INDEX ETF	EXCHANGE TRADED FUND - EQUITY	808524763	11,320	205	SH		SOLE		205	0	0
SCHWAB FUNDAMENTAL U.S. LARGE COMPANY INDEX ETF	EXCHANGE TRADED FUND - EQUITY	808524771	24,847	385	SH		SOLE		385	0	0
MATERIAL SELECT SECTOR SPDR TRUST	MATERIALS	81369Y100	64,879	741	SH		SOLE		741	0	0
HEALTH CARE SELECT SECTOR SPDR FUND	HEALTHCARE	81369Y209	466,016	3,218	SH		SOLE		3,218	0	0
CONSUMER STAPLES SELECT SECTOR SPDR FUND	CONSUMER STAPLES	81369Y308	52,112	700	SH		SOLE		700	0	0
CONSUMER DISCRETIONARY SELE CT SECTOR SPDR FUND	CONSUMER DISCRETIONARY	81369Y407	118,022	640	SH		SOLE		640	0	0
ENERGY SELECT SECTOR SPDR FUND	ENERGY	81369Y506	414,748	4,815	SH		SOLE		4,815	0	0
FINANCIAL SELECT SECTOR SPDR FUND	FINANCIALS	81369Y605	570,233	14,136	SH		SOLE		14,136	0	0
INDUSTRIAL SELECT SECTOR SPDR FUND	INDUSTRIALS	81369Y704	198,077	1,637	SH		SOLE		1,637	0	0
TECHNOLOGY SELECT SECT SPDR	INFORMATION TECHNOLOGY	81369Y803	1,919,724	9,275	SH		SOLE		9,275	0	0
COMMUNICATION SERVICES SELECT SECTOR SPDR FUND	COMMUNICATION SERVICES	81369Y852	471,309	5,939	SH		SOLE		5,939	0	0
AMEX UTILITIES SELECT INDEX SHS BEN INT	UTILITIES	81369Y886	55,079	887	SH		SOLE		887	0	0
SEMPRA	UTILITIES	816851109	82,602	1,170	SH		SOLE		1,170	0	0
SENTINELONE INC CL A	INFORMATION TECHNOLOGY	81730H109	2,844	101	SH		SOLE		101	0	0
SHERWIN WILLIAMS COMPANY	CONSUMER DISCRETIONARY	824348106	66,735	201	SH		SOLE		201	0	0
SCHOCKWAVE MEDICAL INC	HEALTHCARE	82489T104	33,129	127	SH		SOLE		127	0	0
SIEMENS AG	FOREIGN EQUITIES	826197501	19,969	202	SH		SOLE		202	0	0
SIMON PROPERTY GROUP	REAL ESTATE	828806109	9,776	66	SH		SOLE		66	0	0
SIX FLAGS ENTERTAINMENT CORPORATION	CONSUMER DISCRETIONARY	83001A102	7,982	315	SH		SOLE		315	0	0
SMITH-MIDLAND CORPORATION	INDUSTRIALS	832156103	15,120	330	SH		SOLE		330	0	0
J.M. SMUCKER COMPANY	CONSUMER STAPLES	832696405	190,708	1,587	SH		SOLE		636	951	0
SOUTHERN CO	UTILITIES	842587107	888,353	13,210	SH		SOLE		12,595	615	0
SOUTHERN CO	UTILITIES	842587107	224,950	3,345	SH		DFND		2,600	745	0
SPECTRUM BRANDS HOLDINGS INCCOMMON STOCK	CONSUMER STAPLES	84790A105	804	10	SH		SOLE		10	0	0
SPLUNK INC.	ENERGY	848637104	7,811	50	SH		SOLE		50	0	0
STARBUCKS CORPORATION	CONSUMER DISCRETIONARY	855244109	319,429	3,366	SH		SOLE		3,366	0	0
STARBUCKS CORPORATION	CONSUMER DISCRETIONARY	855244109	8,730	92	SH		DFND		0	92	0
STEPAN CO	MATERIALS	858586100	44,600	500	SH		SOLE		500	0	0
STITCH FIX, INC. - CLASS A	CONSUMER DISCRETIONARY	860897107	629	195	SH		SOLE		195	0	0
STRYKER CORP	HEALTHCARE	863667101	1,419,289	4,066	SH		SOLE		4,066	0	0
STRYKER CORP	HEALTHCARE	863667101	48,868	140	SH		DFND		140	0	0
SUMMIT THERAPEUTICS INC.	HEALTHCARE	86627T108	11,325	2,500	SH		SOLE		2,500	0	0
SUNCOR ENERGY INC NEW	FOREIGN EQUITIES	867224107	34,358	1,000	SH		SOLE		1,000	0	0
SUPER MICRO COMPUTER INC COM	INFORMATION TECHNOLOGY	86800U104	43,305	50	SH		SOLE		50	0	0
SYNOPSYS INC	INFORMATION TECHNOLOGY	871607107	16,637	29	SH		SOLE		29	0	0
SYSCO CORPORATION	CONSUMER STAPLES	871829107	73,519	908	SH		SOLE		908	0	0
TJX COS INC NEW	CONSUMER DISCRETIONARY	872540109	107,764	1,087	SH		SOLE		1,087	0	0
T. ROWE PRICE DIVIDEND GROWTH ETF	EXCHANGE TRADED FUND - EQUITY	87283Q404	149,603	4,037	SH		SOLE		4,037	0	0
TAIWAN SEMICONDUCTOR MFG CO LTD ADR	FOREIGN EQUITIES	874039100	45,290	352	SH		SOLE		352	0	0
TAKE-TWO INTERACTIVE SOFTWARE, INC.	INFORMATION TECHNOLOGY	874054109	8,815	60	SH		SOLE		60	0	0
TARGET CORP	CONSUMER DISCRETIONARY	87612E106	667,162	4,363	SH		SOLE		4,191	130	42
TARGET CORP	CONSUMER DISCRETIONARY	87612E106	110,408	722	SH		DFND		0	722	0
TELADOC HEALTH INC.	HEALTHCARE	87918A105	4,931	327	SH		SOLE		327	0	0
TERADATA CORPORATION	INFORMATION TECHNOLOGY	88076W103	3,949	105	SH		SOLE		105	0	0
TESLA MOTORS INC	CONSUMER DISCRETIONARY	88160R101	1,036,428	5,134	SH		SOLE		5,134	0	0
TEXAS INSTRUMENTS	INFORMATION TECHNOLOGY	882508104	50,866	304	SH		SOLE		304	0	0
TEXTRON INC	INDUSTRIALS	883203101	5,788	65	SH		SOLE		65	0	0
THE TRADE DESK, INC.	INFORMATION TECHNOLOGY	88339J105	68,344	800	SH		SOLE		800	0	0
THERMO FISHER SCIENTIFIC, INC	HEALTHCARE	883556102	54,163	95	SH		SOLE		95	0	0
3M CO COM	INDUSTRIALS	88579Y101	250,085	2,715	SH		SOLE		2,715	0	0
3M CO COM	INDUSTRIALS	88579Y101	72,314	785	SH		DFND		785	0	0
THRYV HLDGS INC COM NEW	CONSUMER DISCRETIONARY	886029206	3,076	147	SH		SOLE		147	0	0
TORO CO	INDUSTRIALS	891092108	9,231	100	SH		SOLE		100	0	0
TORONTO-DOMINION BANK NEW	FOREIGN EQUITIES	891160509	230,580	3,843	SH		SOLE		3,843	0	0
TOTALENERGIES SE	FOREIGN EQUITIES	89151E109	22,484	351	SH		SOLE		351	0	0
TOYOTA MOTOR CORP ADR	CONSUMER DISCRETIONARY	892331307	30,068	125	SH		SOLE		125	0	0
TRANSMEDICS GROUP INC.	HEALTHCARE	89377M109	37,536	460	SH		SOLE		460	0	0
TRAVELERS COS INC	FINANCIALS	89417E109	139,204	630	SH		SOLE		630	0	0
TREX COMPANY INC.	INDUSTRIALS	89531P105	5,964	65	SH		SOLE		65	0	0
TWILIO INC. - A	INFORMATION TECHNOLOGY	90138F102	6,732	113	SH		SOLE		113	0	0
US BANCORP DEL COM NEW	FINANCIALS	902973304	91,616	2,184	SH		SOLE		2,184	0	0
US BANCORP DEL COM NEW	FINANCIALS	902973304	839	20	SH		DFND		20	0	0
UNILEVER PLC	FOREIGN EQUITIES	904767704	8,324	170	SH		SOLE		0	170	0
UNION PACIFIC CORP	INDUSTRIALS	907818108	229,584	905	SH		SOLE		905	0	0
UNITED PARCEL SERVICE	INDUSTRIALS	911312106	420,143	2,834	SH		SOLE		2,834	0	0
UNITEDHEALTH GROUP INC	HEALTHCARE	91324P102	1,296,139	2,626	SH		SOLE		2,626	0	0
UPSTART HLDGS INC COM	FINANCIALS	91680M107	3,862	150	SH		SOLE		150	0	0
VAIL RESORTS INC.	CONSUMER DISCRETIONARY	91879Q109	3,454	15	SH		SOLE		15	0	0
VALERO ENERGY NEW	ENERGY	91913Y100	664,562	4,698	SH		SOLE		4,583	115	0
VALERO ENERGY NEW	ENERGY	91913Y100	112,036	792	SH		DFND		792	0	0
VANECK SEMICONDUCTOR ETF	INFORMATION TECHNOLOGY	92189F676	465,011	2,194	SH		SOLE		2,194	0	0
VANECK INDONESIA INDEX ETF	Exchange Traded Funds - Equity	92189F833	10,176	627	SH		SOLE		627	0	0
VANGUARD DIVIDEND APPRECIATION INDEX FUND	EXCHANGE TRADED FUND - EQUITY	921908844	255,610	1,433	SH		SOLE		1,433	0	0
ETF VANGUARD TOTAL INTL STOCK	MUTUAL FUND	921909768	2,052	35	SH		SOLE		35	0	0
VANGUARD SHORT-TERM BOND ETF	EXCHANGE TRADED FUND-FIXED INC	921937827	15,843	207	SH		SOLE		207	0	0
VANGUARD TOTAL BOND MARKET FUND ETF	EXCHANGE TRADED FUND-FIXED INC	921937835	424,725	5,881	SH		SOLE		5,881	0	0
VANGUARD FTSE DEVELOPED MARKET ETF	Exchange Traded Funds - Equity	921943858	426,582	8,763	SH		SOLE		8,763	0	0
VANGUARD INTERNATIONAL HIGH DIVIDEND YIELD ETF	Exchange Traded Funds - Equity	921946794	7,240	108	SH		SOLE		108	0	0
VANGUARD UTILITIES ETF	UTILITIES	92204A876	10,749	80	SH		SOLE		80	0	0
VANGUARD FTSE ALL-WLD EX-US SMCP IDX ETF	EXCHANGE TRADED FUND - EQUITY	922042718	3,055	27	SH		SOLE		27	0	0
VANGUARD MSCI EMERGING MARKETS ETF	EXCHANGE TRADED FUND - EQUITY	922042858	165,307	4,030	SH		SOLE		4,030	0	0
VANGUARD MSCI EMERGING MARKETS ETF	EXCHANGE TRADED FUND - EQUITY	922042858	47,583	1,160	SH		DFND		910	250	0
ETF VANGUARD RUSSELL 3000	EXCHANGE TRADED FUND - EQUITY	92206C599	2,076,674	9,171	SH		SOLE		9,171	0	0
ETF VANGUARD RUSSELL 3000	EXCHANGE TRADED FUND - EQUITY	92206C599	289,389	1,278	SH		DFND		1,278	0	0
ETF VANGUARD RUSSELL 2000	EXCHANGE TRADED FUND - EQUITY	92206C664	100,426	1,221	SH		SOLE		1,221	0	0
VAREX IMAGING CORP	HEALTHCARE	92214X106	687	40	SH		SOLE		40	0	0
VANGUARD REAL ESTATE ETF	REAL ESTATE	922908553	29,941	350	SH		SOLE		250	100	0
VANGUARD MID-CAP ETF	EXCHANGE TRADED FUND - EQUITY	922908629	1,443,360	6,000	SH		SOLE		6,000	0	0
VANGUARD GROWTH ETF	EXCHANGE TRADED FUND - EQUITY	922908736	1,495,067	4,397	SH		SOLE		4,397	0	0
VANGUARD VALUE ETF	EXCHANGE TRADED FUND - EQUITY	922908744	19,010	122	SH		SOLE		122	0	0
VANGUARD SMALL CAP ETF	EXCHANGE TRADED FUND - EQUITY	922908751	11,197	51	SH		SOLE		51	0	0
VANGUARD TOTAL STOCK MARKET ETF	EXCHANGE TRADED FUND - EQUITY	922908769	1,409,394	5,580	SH		SOLE		5,580	0	0
VERIZON COMMUNICATIONS INC	COMMUNICATION SERVICES	92343V104	1,421,747	35,527	SH		SOLE		34,071	1,456	0
VERIZON COMMUNICATIONS INC	COMMUNICATION SERVICES	92343V104	79,996	1,999	SH		DFND		212	1,787	0
VERISK ANALYTICS INC	INDUSTRIALS	92345Y106	25,399	105	SH		SOLE		105	0	0
VERTEX PHARMACEUTICALS INC	HEALTHCARE	92532F100	213,722	508	SH		SOLE		508	0	0
VISA INC - CLASS A SHARES	INFORMATION TECHNOLOGY	92826C839	1,459,198	5,163	SH		SOLE		5,063	100	0
VISHAY INTERTECHNOLOGY, INC.	INFORMATION TECHNOLOGY	928298108	60,900	2,800	SH		SOLE		2,800	0	0
VONTIER CORPORATION	INDUSTRIALS	928881101	1,720	40	SH		DFND		40	0	0
WALMART INC	CONSUMER STAPLES	931142103	475,003	8,105	SH		SOLE		7,825	280	0
WALMART INC	CONSUMER STAPLES	931142103	7,326	125	SH		DFND		125	0	0
WASTE MANAGEMENT INC NEW	INDUSTRIALS	94106L109	1,971,745	9,588	SH		SOLE		8,633	955	0
WASTE MANAGEMENT INC NEW	INDUSTRIALS	94106L109	269,401	1,310	SH		DFND		880	430	0
WAYFAIR INC CL A	CONSUMER DISCRETIONARY	94419L101	5,959	100	SH		SOLE		100	0	0
WELLS FARGO & CO NEW	FINANCIALS	949746101	46,972	845	SH		SOLE		625	220	0
WELLS FARGO & CO NEW	FINANCIALS	949746101	38,912	700	SH		DFND		700	0	0
WHERE FOOD COMES FROM INC.	INDUSTRIALS	96327X200	9,240	700	SH		SOLE		700	0	0
WHIRLPOOL CORP	CONSUMER DISCRETIONARY	963320106	2,147	20	SH		SOLE		20	0	0
JOHN WILEY & SONS INC	CONSUMER DISCRETIONARY	968223206	70,014	2,100	SH		SOLE		2,100	0	0
THE WILLIAMS CO. INC.	ENERGY	969457100	284,553	7,920	SH		SOLE		7,920	0	0
THE WILLIAMS CO. INC.	ENERGY	969457100	111,383	3,100	SH		DFND		3,100	0	0
WISDOMTREE INC	FINANCIALS	97717P104	4,836	600	SH		SOLE		600	0	0
XCEL ENERGY INC	UTILITIES	98389B100	29,600	562	SH		SOLE		562	0	0
YUM BRANDS INC.	CONSUMER DISCRETIONARY	988498101	24,914	180	SH		SOLE		180	0	0
YUM BRANDS INC.	CONSUMER DISCRETIONARY	988498101	83,052	600	SH		DFND		0	600	0
ZEBRA TECHNOLOGIES CORP CLASS A	INFORMATION TECHNOLOGY	989207105	22,357	80	SH		SOLE		80	0	0
ZIMMER HOLDINGS INC.	HEALTHCARE	98956P102	62,180	500	SH		SOLE		0	500	0
ZOETIS INC	HEALTHCARE	98978V103	16,263	82	SH		SOLE		82	0	0
ZUORA INC	INFORMATION TECHNOLOGY	98983V106	3,991	494	SH		SOLE		494	0	0