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

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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	7,004	52	SH		SOLE		52	0	0
ACCENTURE PLC	INFORMATION TECHNOLOGY	G1151C101	1,059,202	3,056	SH		SOLE		3,056	0	0
CAMBIUM NETWORKS CORPORATION	FOREIGN EQUITIES	G17766109	1,634	380	SH		SOLE		380	0	0
EATON CORP PLC	INDUSTRIALS	G29183103	136,632	437	SH		SOLE		437	0	0
KINIKSA PHARMACEUTICALS LTD. -CLASS A	FOREIGN EQUITIES	G5269C101	17,255	875	SH		SOLE		875	0	0
NORWEGIAN CRUISE LINE HOLDINGS LTD	CONSUMER DISCRETIONARY	G66721104	2,093	100	SH		SOLE		100	0	0
NOVOCURE LIMITED	HEALTHCARE	G6674U108	1,563	100	SH		SOLE		100	0	0
PENTAIR PLC	INDUSTRIALS	G7S00T104	25,632	300	SH		SOLE		300	0	0
SMART GLOBAL HOLDINGS INC.	FOREIGN EQUITIES	G8232Y101	8,945	340	SH		SOLE		340	0	0
VINCI PARTNERS INVESTMENTS LTD. - CLASS A	FINANCIALS	G9451V109	9,661	855	SH		SOLE		855	0	0
CHUBB LTD	FINANCIALS	H1467J104	2,850	11	SH		SOLE		11	0	0
SPOTIFY TECHNOLOGY S A SHS	CONSUMER DISCRETIONARY	L8681T102	3,166	12	SH		SOLE		12	0	0
FIVERR INTERNATIONAL LTD.	FOREIGN EQUITIES	M4R82T106	5,686	270	SH		SOLE		270	0	0
JFROG LTD	FOREIGN EQUITIES	M6191J100	15,255	345	SH		SOLE		345	0	0
WIX.COM LTD	INFORMATION TECHNOLOGY	M98068105	17,597	128	SH		SOLE		128	0	0
ASML HOLDING N V N Y REGISTRY SHS	FOREIGN EQUITIES	N07059210	64,050	66	SH		SOLE		66	0	0
FLEXTRONICS INTL	INFORMATION TECHNOLOGY	Y2573F102	42,915	1,500	SH		SOLE		1,500	0	0
ADMA BIOLOGICS INC COM	HEALTHCARE	000899104	3,861	585	SH		SOLE		585	0	0
ABM INDUSTRIES INCORPORATED COMMON STOCK	INDUSTRIALS	000957100	8,922	200	SH		SOLE		200	0	0
AT&T INC.	COMMUNICATION SERVICES	00206R102	536,012	30,474	SH		SOLE		30,414	0	60
AT&T INC.	COMMUNICATION SERVICES	00206R102	101,492	5,770	SH		DFND		4,710	1,060	0
ARK AUTONOMOUS TECHNOLOGY & ROBOTICS ETF	INFORMATION TECHNOLOGY	00214Q203	1,531	28	SH		SOLE		28	0	0
ABBOTT LABS	HEALTHCARE	002824100	842,082	7,409	SH		SOLE		7,009	400	0
ABBOTT LABS	HEALTHCARE	002824100	136,960	1,205	SH		DFND		0	1,205	0
ABBVIE INC.	HEALTHCARE	00287Y109	2,480,716	13,623	SH		SOLE		13,145	478	0
ABBVIE INC.	HEALTHCARE	00287Y109	430,666	2,365	SH		DFND		1,250	1,115	0
ADOBE INC	INFORMATION TECHNOLOGY	00724F101	551,499	1,093	SH		SOLE		1,093	0	0
AECOM TECHNOLOGY CORP	INFORMATION TECHNOLOGY	00766T100	1,568	16	SH		SOLE		16	0	0
ADVANCED MICRO DEVICES INC	INFORMATION TECHNOLOGY	007903107	1,077,143	5,968	SH		SOLE		5,968	0	0
ADVANCED MICRO DEVICES INC	INFORMATION TECHNOLOGY	007903107	18,049	100	SH		DFND		0	0	100
INVESCO INTERNATIONAL GROWTH FUND	MUTUAL FUND	008882532	1,696	71	SH		SOLE		71	0	0
AIR PRODUCTS & CHEMICALS INC	MATERIALS	009158106	244,446	1,009	SH		SOLE		1,009	0	0
ALBANY INTERNATIONAL CORPORATION COMMON STOCK	INDUSTRIALS	012348108	93,510	1,000	SH		SOLE		1,000	0	0
ALIGN TECHNOLOGY INC.	HEALTHCARE	016255101	3,279	10	SH		SOLE		10	0	0
ALLSTATE CORP	FINANCIALS	020002101	103,806	600	SH		SOLE		300	300	0
ALTRIA GROUP, INC.	CONSUMER STAPLES	02209S103	147,352	3,379	SH		SOLE		3,379	0	0
AMAZON. COM, INC	CONSUMER DISCRETIONARY	023135106	6,615,929	36,678	SH		SOLE		36,478	200	0
AMAZON. COM, INC	CONSUMER DISCRETIONARY	023135106	36,076	200	SH		DFND		200	0	0
AMERICAN ELEC PWR INC	UTILITIES	025537101	53,811	625	SH		SOLE		625	0	0
AMERICAN EXPRESS	FINANCIALS	025816109	461,964	2,029	SH		SOLE		1,992	0	37
AMERICAN EXPRESS	FINANCIALS	025816109	32,331	142	SH		DFND		0	142	0
AMERICAN STATES WATER COMPANY COMMON STOCK	UTILITIES	029899101	144,480	2,000	SH		SOLE		2,000	0	0
AMERICAN TOWER CORPORATION	COMMUNICATION SERVICES	03027X100	555,790	2,813	SH		SOLE		2,813	0	0
AMERIPRISE FINANCIAL INC.	FINANCIALS	03076C106	34,636	79	SH		SOLE		79	0	0
AMGEN INCORPORATED	HEALTHCARE	031162100	678,081	2,385	SH		SOLE		2,385	0	0
AMGEN INCORPORATED	HEALTHCARE	031162100	137,610	484	SH		DFND		484	0	0
AMKOR TECHNOLOGY INC	INFORMATION TECHNOLOGY	031652100	4,834	150	SH		SOLE		150	0	0
APPIAN CORPORATION	INFORMATION TECHNOLOGY	03782L101	11,186	280	SH		SOLE		280	0	0
APPLE INC	INFORMATION TECHNOLOGY	037833100	12,004,215	70,004	SH		SOLE		68,524	1,400	80
APPLE INC	INFORMATION TECHNOLOGY	037833100	466,423	2,720	SH		DFND		2,560	160	0
APPLE HOSPITALTIY REIT INC COMMON SHARES	REAL ESTATE	03784Y200	2,635	161	SH		SOLE		161	0	0
APPLIED MATL INC	INFORMATION TECHNOLOGY	038222105	1,708,594	8,285	SH		SOLE		8,285	0	0
APTARGROUP INC. COMMON STOCK	INDUSTRIALS	038336103	57,556	400	SH		SOLE		400	0	0
ARCHER DANIELS MIDLAND CO	CONSUMER STAPLES	039483102	1,507	24	SH		SOLE		24	0	0
ARISTA NETWORKS INC.	INFORMATION TECHNOLOGY	040413106	69,592	240	SH		SOLE		240	0	0
ARM HOLDINGS PLC SPONSORED ADR	INFORMATION TECHNOLOGY	042068205	12,499	100	SH		SOLE		100	0	0
ARROW FINANCIAL CORPORATION	FINANCIALS	042744102	550,036	21,984	SH		SOLE		21,984	0	0
ASTRAZENECA PLC - ADR	HEALTHCARE	046353108	68,355	1,009	SH		SOLE		1,009	0	0
AUTODESK INC.	INFORMATION TECHNOLOGY	052769106	13,020	50	SH		SOLE		50	0	0
AUTOMATIC DATA PROCESSING INC	INFORMATION TECHNOLOGY	053015103	803,653	3,218	SH		SOLE		2,918	300	0
AUTOMATIC DATA PROCESSING INC	INFORMATION TECHNOLOGY	053015103	221,269	886	SH		DFND		0	886	0
AVERY DENNISON CORP	MATERIALS	053611109	66,975	300	SH		SOLE		300	0	0
AXCELIS TECHNOLOGIES INC. COMMON STOCK	INFORMATION TECHNOLOGY	054540208	2,453	22	SH		SOLE		22	0	0
AXON ENTERPRISE INC COM	INDUSTRIALS	05464C101	78,220	250	SH		SOLE		250	0	0
BP P.L.C.	ENERGY	055622104	85,793	2,277	SH		SOLE		2,277	0	0
BP PRUDHOE BAY ROYALTY TRUST	ENERGY	055630107	243	100	SH		SOLE		100	0	0
BM TECHNOLOGIES INC.	INDUSTRIALS	05591L107	1,443	880	SH		SOLE		880	0	0
BAIDU INC - SPON ADR	INFORMATION TECHNOLOGY	056752108	1,263	12	SH		SOLE		12	0	0
BANDWIDTH INC	INFORMATION TECHNOLOGY	05988J103	2,372	130	SH		SOLE		130	0	0
BANK OF AMERICA CORP	FINANCIALS	060505104	779,372	20,559	SH		SOLE		20,559	0	0
BANK OF HAWAII CORPORATION COMMON STOCK	FINANCIALS	062540109	18,714	300	SH		SOLE		300	0	0
BANK OF NEW YORK MELLON CORP	FINANCIALS	064058100	35,830	622	SH		SOLE		622	0	0
BAOUZUN INC-SPN ADR	FOREIGN EQUITIES	06684L103	171	75	SH		SOLE		75	0	0
BARRICK GOLD CORP	MATERIALS	067901108	2,245	135	SH		SOLE		135	0	0
BAXTER INTERNATIONAL INC.	HEALTHCARE	071813109	42,730	1,000	SH		SOLE		1,000	0	0
BECTON DICKINSON & CO	HEALTHCARE	075887109	299,406	1,210	SH		SOLE		975	235	0
BERKSHIRE HATHAWAY INC. DEL CLASS B	FINANCIALS	084670702	3,922,043	9,327	SH		SOLE		9,327	0	0
BERKSHIRE HATHAWAY INC. DEL CLASS B	FINANCIALS	084670702	15,558	37	SH		DFND		0	37	0
BEST BUY	CONSUMER DISCRETIONARY	086516101	26,659	325	SH		SOLE		325	0	0
BIOGEN INC	HEALTHCARE	09062X103	17,465	81	SH		SOLE		81	0	0
BIOVENTUS INC COM CL A	HEALTHCARE	09075A108	3,546	682	SH		SOLE		682	0	0
BLACKROCK INC	FINANCIALS	09247X101	1,086,289	1,303	SH		SOLE		1,303	0	0
BLACKROCK INC	FINANCIALS	09247X101	12,505	15	SH		DFND		0	15	0
BLOOM ENERGY CORP COM CL A	ENERGY	093712107	2,248	200	SH		SOLE		200	0	0
BOEING	INDUSTRIALS	097023105	274,428	1,422	SH		SOLE		1,422	0	0
BOEING	INDUSTRIALS	097023105	86,845	450	SH		DFND		50	400	0
BOSTON SCIENTIFIC CORP	HEALTHCARE	101137107	55,202	806	SH		SOLE		806	0	0
BRISTOL MYERS SQUIBB CO	HEALTHCARE	110122108	1,291,207	23,815	SH		SOLE		21,815	2,000	0
BRISTOL MYERS SQUIBB CO	HEALTHCARE	110122108	220,403	4,065	SH		DFND		3,000	1,065	0
C3.AI INC	INFORMATION TECHNOLOGY	12468P104	1,353	50	SH		SOLE		50	0	0
CBOE GLOBAL MARKETS, INC.	FINANCIALS	12503M108	18,373	100	SH		SOLE		100	0	0
CME GROUP INC.	FINANCIALS	12572Q105	4,951	23	SH		SOLE		23	0	0
CRA INTERNATIONAL INC.	INDUSTRIALS	12618T105	15,705	105	SH		SOLE		105	0	0
CSX CORPORATION	INDUSTRIALS	126408103	887,028	23,935	SH		SOLE		23,935	0	0
CSX CORPORATION	INDUSTRIALS	126408103	133,416	3,600	SH		DFND		3,600	0	0
CNX RESOURCES COPRORATION COMMON STOCK	ENERGY	12653C108	56,904	2,400	SH		SOLE		2,400	0	0
CVS HEALTH CORP	CONSUMER STAPLES	126650100	955,183	11,976	SH		SOLE		11,976	0	0
COTERRA ENERGY INC	ENERGY	127097103	27,870	1,000	SH		SOLE		1,000	0	0
CANADIAN IMPERIAL BANK OF COMMERCE	FINANCIALS	136069101	7,608	150	SH		SOLE		150	0	0
CANADIAN NATIONAL RAILWAY CO	FOREIGN EQUITIES	136375102	5,268	40	SH		SOLE		40	0	0
CANADIAN NATURAL RESOURCES	ENERGY	136385101	15,643	205	SH		SOLE		205	0	0
CANADIAN SOLAR INC COM	ENERGY	136635109	29,625	1,500	SH		SOLE		1,500	0	0
CAPITAL ONE FINANCIAL CORP	FINANCIALS	14040H105	59,106	397	SH		SOLE		397	0	0
CARGURUS INC COM CL A	CONSUMER DISCRETIONARY	141788109	23,070	1,000	SH		SOLE		1,000	0	0
CARRIER GLOBAL CORPORATION	INDUSTRIALS	14448C104	200,133	3,443	SH		SOLE		2,743	700	0
CARRIER GLOBAL CORPORATION	INDUSTRIALS	14448C104	60,162	1,035	SH		DFND		655	380	0
CASEY'S GENERAL STORES INC	CONSUMER DISCRETIONARY	147528103	85,978	270	SH		SOLE		270	0	0
CATERPILLAR INC	INDUSTRIALS	149123101	2,709,265	7,394	SH		SOLE		7,299	70	25
CATERPILLAR INC	INDUSTRIALS	149123101	538,635	1,470	SH		DFND		1,025	445	0
CENTERPOINT ENERGY, INC	UTILITIES	15189T107	31,328	1,100	SH		SOLE		1,100	0	0
CENTERPOINT ENERGY, INC	UTILITIES	15189T107	113,920	4,000	SH		DFND		4,000	0	0
CENTESSA PHARMACEUTICALS PLC	HEALTHCARE	152309100	10,452	925	SH		SOLE		925	0	0
CHARTER COMMUNICATIONS,INC-A	COMMUNICATION SERVICES	16119P108	4,940	17	SH		SOLE		17	0	0
CHEGG INC COM	CONSUMER DISCRETIONARY	163092109	1,892	250	SH		SOLE		250	0	0
CHENIERE ENERGY, INC.	ENERGY	16411R208	645	4	SH		SOLE		4	0	0
CHESAPEAKE ENERGY CORPORATION	ENERGY	165167735	44,415	500	SH		SOLE		500	0	0
CHEVRON CORPORATION	ENERGY	166764100	2,133,867	13,528	SH		SOLE		13,145	383	0
CHEVRON CORPORATION	ENERGY	166764100	314,057	1,991	SH		DFND		1,486	505	0
CHEWY INC.	CONSUMER DISCRETIONARY	16679L109	397	25	SH		SOLE		25	0	0
CISCO SYSTEMS INC.	INFORMATION TECHNOLOGY	17275R102	1,626,860	32,603	SH		SOLE		32,038	500	65
CISCO SYSTEMS INC.	INFORMATION TECHNOLOGY	17275R102	65,119	1,305	SH		DFND		30	1,275	0
CIRRUS LOGIC INC	INFORMATION TECHNOLOGY	172755100	9,256	100	SH		SOLE		100	0	0
CITIGROUP INC.	FINANCIALS	172967424	474,021	7,496	SH		SOLE		7,496	0	0
CITIGROUP INC.	FINANCIALS	172967424	82,528	1,305	SH		DFND		1,305	0	0
CLEARPOINT NEURO INC.	HEALTHCARE	18507C103	5,984	880	SH		SOLE		880	0	0
CLOROX COMPANY	CONSUMER STAPLES	189054109	65,071	425	SH		SOLE		425	0	0
CLOROX COMPANY	CONSUMER STAPLES	189054109	30,622	200	SH		DFND		0	200	0
COCA COLA CO	CONSUMER STAPLES	191216100	1,688,039	27,592	SH		SOLE		25,122	2,470	0
COCA COLA CO	CONSUMER STAPLES	191216100	252,060	4,120	SH		DFND		3,430	690	0
COGNIZANT TECHNOLOGY SOLUTIONS CORP	INFORMATION TECHNOLOGY	192446102	7,329	100	SH		SOLE		100	0	0
COLGATE PALMOLIVE	CONSUMER STAPLES	194162103	1,093,732	12,146	SH		SOLE		12,111	0	35
COLGATE PALMOLIVE	CONSUMER STAPLES	194162103	143,539	1,594	SH		DFND		1,374	220	0
COMCAST CORP NEW CL A	CONSUMER DISCRETIONARY	20030N101	328,674	7,584	SH		SOLE		7,584	0	0
COMMERCE BANCSHARES INC	FINANCIALS	200525103	55,860	1,050	SH		SOLE		1,050	0	0
COMMERCIAL METALS COMPANY COMMON STOCK	MATERIALS	201723103	188,064	3,200	SH		SOLE		3,200	0	0
COMPASS PATHWAYS PLC	HEALTHCARE	20451W101	4,201	505	SH		SOLE		505	0	0
CONFLUENT INC. CLASS A COMMON STOCK	INFORMATION TECHNOLOGY	20717M103	3,753	123	SH		SOLE		123	0	0
CONOCOPHILLIPS	ENERGY	20825C104	378,012	2,970	SH		SOLE		2,970	0	0
CONOCOPHILLIPS	ENERGY	20825C104	2,545	20	SH		DFND		20	0	0
CONSOLIDATED EDISON INC	UTILITIES	209115104	37,776	416	SH		SOLE		416	0	0
CORNERSTONE STRATEGIC VALUE FUND INC.	FINANCIALS	21924B302	2,857	380	SH		SOLE		380	0	0
CORNING INC	INFORMATION TECHNOLOGY	219350105	385,349	11,695	SH		SOLE		11,695	0	0
COSTCO WHSL CORP NEW	CONSUMER STAPLES	22160K105	1,186,102	1,619	SH		SOLE		1,619	0	0
CUBESMART COM	REAL ESTATE	229663109	5,245	116	SH		SOLE		116	0	0
CUMMINS INC	INDUSTRIALS	231021106	194,460	660	SH		SOLE		660	0	0
CUMMINS INC	INDUSTRIALS	231021106	32,410	110	SH		DFND		110	0	0
DNP SELECT INCOME FUND INC	FIXED INCOME	23325P104	13,605	1,500	SH		SOLE		1,500	0	0
D R HORTON INC	CONSUMER DISCRETIONARY	23331A109	49,035	298	SH		SOLE		298	0	0
DTE ENERGY CO	UTILITIES	233331107	35,322	315	SH		SOLE		315	0	0
DTE ENERGY CO	UTILITIES	233331107	77,937	695	SH		DFND		695	0	0
DANAHER CORP	HEALTHCARE	235851102	943,423	3,778	SH		SOLE		3,778	0	0
DANAHER CORP	HEALTHCARE	235851102	145,087	581	SH		DFND		500	81	0
DARLING INGREDIENTS INC. COMMON STOCK	CONSUMER STAPLES	237266101	168,423	3,622	SH		SOLE		3,622	0	0
DATADOG INC CLASS A	INFORMATION TECHNOLOGY	23804L103	55,496	449	SH		SOLE		449	0	0
DAVITA INC.	HEALTHCARE	23918K108	10,353	75	SH		SOLE		75	0	0
DEERE & CO (JOHN DEERE)	INDUSTRIALS	244199105	601,709	1,465	SH		SOLE		1,255	210	0
DELTA AIR LINES INC	CONSUMER DISCRETIONARY	247361702	21,776	455	SH		SOLE		455	0	0
DEVON ENERGY CORPORATION NEW	ENERGY	25179M103	138,333	2,757	SH		SOLE		2,757	0	0
DIAGEO PLC	CONSUMER DISCRETIONARY	25243Q205	19,930	134	SH		SOLE		134	0	0
DIAMONDBACK ENERGY INC.	ENERGY	25278X109	23,780	120	SH		SOLE		120	0	0
DIGITAL REALTY TRUST INC.	REAL ESTATE	253868103	13,682	95	SH		SOLE		95	0	0
TRUMP MEDIA & TECHNOLOGY GROCOM	FINANCIALS	25400Q105	6,195	100	SH		SOLE		100	0	0
DISNEY (WALT) COMPANY HOLDING CO	CONSUMER DISCRETIONARY	254687106	1,378,468	11,266	SH		SOLE		11,241	0	25
DISNEY (WALT) COMPANY HOLDING CO	CONSUMER DISCRETIONARY	254687106	160,046	1,308	SH		DFND		220	1,088	0
DISCOVER FINANCIAL SERVICES	FINANCIALS	254709108	57,679	440	SH		SOLE		440	0	0
DOCEBO INC.	INFORMATION TECHNOLOGY	25609L105	6,610	135	SH		SOLE		135	0	0
DOCUSIGN INC	INFORMATION TECHNOLOGY	256163106	13,991	235	SH		SOLE		235	0	0
DOLLAR TREE, INC.	CONSUMER DISCRETIONARY	256746108	26,630	200	SH		SOLE		200	0	0
DOMINION ENERGY, INC.	UTILITIES	25746U109	205,958	4,188	SH		SOLE		4,188	0	0
DOMINION ENERGY, INC.	UTILITIES	25746U109	52,130	1,060	SH		DFND		1,060	0	0
DOMINO'S PIZZA INC	CONSUMER DISCRETIONARY	25754A201	2,484	5	SH		SOLE		5	0	0
DONALDSON COMPANY INC	CONSUMER DISCRETIONARY	257651109	6,795	91	SH		SOLE		91	0	0
DOW INC.	MATERIALS	260557103	358,913	6,196	SH		SOLE		5,684	512	0
DOW INC.	MATERIALS	260557103	82,260	1,420	SH		DFND		1,420	0	0
DREAM FINDERS HOMES INC. - CLASS A	CONSUMER DISCRETIONARY	26154D100	26,887	615	SH		SOLE		615	0	0
DUKE ENERGY CORPORATION NEW	ENERGY	26441C204	376,462	3,893	SH		SOLE		3,893	0	0
DUKE ENERGY CORPORATION NEW	ENERGY	26441C204	77,561	802	SH		DFND		802	0	0
EOG RESOURCES INC	ENERGY	26875P101	14,700	115	SH		SOLE		115	0	0
EBAY INC	CONSUMER DISCRETIONARY	278642103	10,922	207	SH		SOLE		207	0	0
ECOLAB INC.	MATERIALS	278865100	17,317	75	SH		SOLE		75	0	0
ELECTRONIC ARTS INC	INFORMATION TECHNOLOGY	285512109	2,653	20	SH		SOLE		20	0	0
EMCOR GROUP INC. COMMON STOCK	INDUSTRIALS	29084Q100	140,080	400	SH		SOLE		400	0	0
EMERSON ELECTRIC	INDUSTRIALS	291011104	384,715	3,392	SH		SOLE		2,192	1,200	0
EMERSON ELECTRIC	INDUSTRIALS	291011104	180,337	1,590	SH		DFND		0	1,590	0
ENBRIDGE INC	ENERGY	29250N105	83,029	2,295	SH		SOLE		2,295	0	0
ENERGY TRANSFER LP COM UT LTD PTN	ENERGY	29273V100	45,617	2,900	SH		SOLE		2,900	0	0
ENTERGY CORPORATION	UTILITIES	29364G103	6,235	59	SH		SOLE		59	0	0
ENTERGY CORPORATION	UTILITIES	29364G103	84,544	800	SH		DFND		800	0	0
ENTERPRISE PRODUCTS PARTNERS L.P.	ENERGY	293792107	204,580	7,011	SH		SOLE		7,011	0	0
EQUIFAX INC.	INDUSTRIALS	294429105	267	1	SH		SOLE		1	0	0
EQUITY RESIDENTIAL SHARES OF BENEFICIAL INT	FINANCIALS	29476L107	3,155	50	SH		SOLE		50	0	0
ESPEY MFG. & ELECTRONICS CORP	INDUSTRIALS	296650104	155,867	6,173	SH		SOLE		6,173	0	0
ESPEY MFG. & ELECTRONICS CORP	INDUSTRIALS	296650104	5,050	200	SH		DFND		100	0	100
ETSY INC	CONSUMER DISCRETIONARY	29786A106	11,338	165	SH		SOLE		165	0	0
EXACT SCIENCES CORP COM	HEALTHCARE	30063P105	15,745	228	SH		SOLE		228	0	0
EXELON CORP	UTILITIES	30161N101	73,952	1,969	SH		SOLE		1,694	275	0
EXELON CORP	UTILITIES	30161N101	40,940	1,090	SH		DFND		1,090	0	0
EXXON MOBIL CORP	ENERGY	30231G102	2,294,418	19,739	SH		SOLE		14,934	4,805	0
EXXON MOBIL CORP	ENERGY	30231G102	584,565	5,029	SH		DFND		2,217	2,812	0
F.N.B. CORPORATION	FINANCIALS	302520101	7,755	550	SH		SOLE		550	0	0
META PLATFORMS INC	INFORMATION TECHNOLOGY	30303M102	2,519,647	5,189	SH		SOLE		5,189	0	0
META PLATFORMS INC	INFORMATION TECHNOLOGY	30303M102	33,990	70	SH		DFND		70	0	0
FAIR ISAAC CORPORATION	INFORMATION TECHNOLOGY	303250104	18,744	15	SH		SOLE		15	0	0
FASTLY INC CLASS A	INFORMATION TECHNOLOGY	31188V100	4,020	310	SH		SOLE		310	0	0
FATHOM HOLDINGS INC.	REAL ESTATE	31189V109	457	230	SH		SOLE		230	0	0
FEDEX CORPORATION	INDUSTRIALS	31428X106	217,281	750	SH		SOLE		750	0	0
FEDEX CORPORATION	INDUSTRIALS	31428X106	36,216	125	SH		DFND		125	0	0
FIDELITY MSCI INFORMATION TECHNOLOGY INDEX ETF	INFORMATION TECHNOLOGY	316092808	464,402	2,980	SH		SOLE		2,980	0	0
FIDELITY NATIONAL FINANCIAL INC. COM	FINANCIALS	31620R303	21,236	400	SH		SOLE		400	0	0
FIFTH THIRD BANCORP	FINANCIALS	316773100	25,110	675	SH		SOLE		675	0	0
1STDIBS.COM INC	INFORMATION TECHNOLOGY	320551104	5,691	955	SH		SOLE		955	0	0
FIRST TRUST NASDAQ CLEAN EDGE GREEN ENERGY ETF	ENERGY	33733E500	43,591	1,257	SH		SOLE		1,257	0	0
FT CBOE VEST S&P 500 DIV ARISTOCRATS TARGET I	EXCHANGE TRADED FUND - EQUITY	33739Q705	17,184	320	SH		SOLE		320	0	0
FIRSTENERGY CORP	UTILITIES	337932107	2,123	55	SH		SOLE		55	0	0
FORD MOTOR CO DEL	CONSUMER DISCRETIONARY	345370860	43,824	3,300	SH		SOLE		3,300	0	0
FORTINET INC. COMMON STOCK	INFORMATION TECHNOLOGY	34959E109	3,415	50	SH		SOLE		50	0	0
FORTIVE CORPORATION	INFORMATION TECHNOLOGY	34959J108	8,602	100	SH		DFND		100	0	0
FRANKLIN FTSE INDIA ETF	Exchange Traded Funds - Equity	35473P769	10,241	278	SH		SOLE		278	0	0
FREEPORT-MCMORAN COPPER & GOLD CLASS B	MATERIALS	35671D857	26,801	570	SH		SOLE		570	0	0
FRESHPET INC	CONSUMER STAPLES	358039105	8,689	75	SH		SOLE		75	0	0
FULGENT GENETICS INC.	HEALTHCARE	359664109	18,662	860	SH		SOLE		860	0	0
GATX CORPORATION	INDUSTRIALS	361448103	53,612	400	SH		SOLE		400	0	0
GE HEALTHCARE TECHNOLOGIES, INC.	HEALTHCARE	36266G107	79,624	876	SH		SOLE		514	362	0
GE HEALTHCARE TECHNOLOGIES, INC.	HEALTHCARE	36266G107	363	4	SH		DFND		0	0	4
GAMESTOP CORP NEW CL A	CONSUMER DISCRETIONARY	36467W109	150	12	SH		SOLE		12	0	0
GENERAL DYNAMICS CORPORATION	INDUSTRIALS	369550108	834,991	2,956	SH		SOLE		2,956	0	0
GENERAL DYNAMICS CORPORATION	INDUSTRIALS	369550108	18,361	65	SH		DFND		65	0	0
GENERAL MILLS, INC	CONSUMER STAPLES	370334104	85,432	1,221	SH		SOLE		621	600	0
GENERAL MILLS, INC	CONSUMER STAPLES	370334104	97,958	1,400	SH		DFND		1,400	0	0
GILEAD SCIENCES, INC.	HEALTHCARE	375558103	156,017	2,130	SH		SOLE		2,130	0	0
GINGKO BIOWORKS HOLDINGS INC	MATERIALS	37611X100	1,999	1,739	SH		SOLE		1,739	0	0
GLADSTONE LAND CORPORATION	REAL ESTATE	376549101	4,002	300	SH		SOLE		300	0	0
GLOBAL X AUTONOMOUS & ELECTRIC VEHICLE ETF	EXCHANGE TRADED FUND - EQUITY	37954Y624	31,122	1,260	SH		SOLE		1,260	0	0
GLOBAL X ARTIFICIAL INTEL & TECH EFT	EXCHANGE TRADED FUND - EQUITY	37954Y632	155,924	4,593	SH		SOLE		4,593	0	0
GOLDMAN SACHS GROUP INC	FINANCIALS	38141G104	8,353	20	SH		SOLE		20	0	0
W.W. GRAINGER	INDUSTRIALS	384802104	94,607	93	SH		SOLE		93	0	0
GUARDANT HEALTH INC.	HEALTHCARE	40131M109	2,371	115	SH		SOLE		115	0	0
HARLEY DAVIDSON	CONSUMER DISCRETIONARY	412822108	7,215	165	SH		SOLE		165	0	0
THE HERSHEY COMPANY	CONSUMER STAPLES	427866108	96,666	497	SH		SOLE		497	0	0
HOME DEPOT INC	CONSUMER DISCRETIONARY	437076102	3,421,568	8,920	SH		SOLE		7,915	1,005	0
HOME DEPOT INC	CONSUMER DISCRETIONARY	437076102	398,933	1,040	SH		DFND		400	640	0
HONEYWELL INTERNATIONAL INC	INDUSTRIALS	438516106	737,040	3,591	SH		SOLE		3,591	0	0
HUB GROUP INC	INDUSTRIALS	443320106	43,220	1,000	SH		SOLE		1,000	0	0
HUBSPOT INC.	INFORMATION TECHNOLOGY	443573100	100,248	160	SH		SOLE		160	0	0
ILLINOIS TOOL WORKS INC.	INDUSTRIALS	452308109	270,458	1,008	SH		SOLE		1,008	0	0
IMMUNITYBIO INC.	HEALTHCARE	45256X103	2,416	450	SH		SOLE		450	0	0
INSULET CORPORATION - COMMON STOCK	HEALTHCARE	45784P101	14,911	87	SH		SOLE		87	0	0
INTEL CORP	INFORMATION TECHNOLOGY	458140100	1,939,103	43,912	SH		SOLE		41,446	2,401	65
INTEL CORP	INFORMATION TECHNOLOGY	458140100	347,582	7,871	SH		DFND		5,649	2,222	0
CORECARD CORPORATION	INFORMATION TECHNOLOGY	45816D100	2,928	265	SH		SOLE		265	0	0
INTERACTIVE BROKERS GRO-CL A	FINANCIALS	45841N107	27,927	250	SH		SOLE		250	0	0
INTERCONTINENTAL EXCHANGE INCOM	FINANCIALS	45866F104	34,357	250	SH		SOLE		250	0	0
INTL BUSINESS MACHINES	INFORMATION TECHNOLOGY	459200101	1,309,205	6,856	SH		SOLE		6,856	0	0
INTL BUSINESS MACHINES	INFORMATION TECHNOLOGY	459200101	319,856	1,675	SH		DFND		753	922	0
INTERNATIONAL PAPER CO	MATERIALS	460146103	12,484	320	SH		SOLE		285	0	35
INTUITIVE SURGICAL INC	HEALTHCARE	46120E602	24,741	62	SH		SOLE		62	0	0
INTUIT INC	INFORMATION TECHNOLOGY	461202103	13,000	20	SH		SOLE		20	0	0
INTUITIVE MACHINES INC CLASS A COM	INDUSTRIALS	46125A100	2,312	370	SH		SOLE		370	0	0
INVESCO AEROSPACE & DEFENSE EFT	EXCHANGE TRADED FUND - EQUITY	46137V100	23,868	235	SH		SOLE		235	0	0
INVESCO DYNAMIC BIOTECH & GENOME ETF	HEALTHCARE	46137V787	3,041	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	64,665	1,500	SH		SOLE		1,500	0	0
INVESCO EXCH TRADED FD TR IISOLAR ETF	ENERGY	46138G706	4,309	95	SH		SOLE		95	0	0
INVITAE CORP COM	HEALTHCARE	46185L103	1	125	SH		SOLE		125	0	0
IQIYI, INC. - ADR	INFORMATION TECHNOLOGY	46267X108	423	100	SH		SOLE		100	0	0
IROBOT CORPORATION	INDUSTRIALS	462726100	262	30	SH		SOLE		30	0	0
ETF ISHARES SILVER TR	MUTUAL FUND	46428Q109	86,677	3,810	SH		SOLE		3,810	0	0
ISHARES MSCI AUSTRALIA ETF	MUTUAL FUND	464286103	7,394	300	SH		DFND		300	0	0
ISHARES MSCI CANADA ETF	MUTUAL FUND	464286509	9,566	250	SH		DFND		250	0	0
ISHARES MSCI SOUTH KOREA CAPPED ETF	EXCHANGE TRADED FUND - EQUITY	464286772	55,894	833	SH		SOLE		833	0	0
ISHARES S & P 100 ETF	MUTUAL FUND	464287101	1,387,965	5,610	SH		SOLE		5,610	0	0
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF	EXCHANGE TRADED FUND - EQUITY	464287150	151,273	1,312	SH		SOLE		1,312	0	0
ISHARES SELECT DIVIDEND ETF	EXCHANGE TRADED FUND - EQUITY	464287168	160,133	1,300	SH		SOLE		1,300	0	0
ISHARES TIPS BOND ETF	EXCHANGE TRADED FUND-FIXED INC	464287176	3,778,214	35,176	SH		SOLE		34,781	0	395
ISHARES TIPS BOND ETF	EXCHANGE TRADED FUND-FIXED INC	464287176	429,745	4,001	SH		DFND		3,694	307	0
ISHARES CORE S&P 500 ETF	EXCHANGE TRADED FUND - EQUITY	464287200	63,612	121	SH		SOLE		121	0	0
ISHARES CORE TOTAL US AGGREGATE BOND ETF-W	EXCHANGE TRADED FUND-FIXED INC	46428722W	430,640	4,397	SH		SOLE		4,397	0	0
ISHARES CORE TOTAL US AGGREGATE BOND ETF	EXCHANGE TRADED FUND-FIXED INC	464287226	3,456,979	35,297	SH		SOLE		35,297	0	0
ISHARES MSCI EMERGING MARKETS ETF	EXCHANGE TRADED FUND - EQUITY	464287234	46,819	1,140	SH		SOLE		1,140	0	0
ISHARES IBOXX $INVESTMENT BOND FD	FIXED INCOME	464287242	77,768	714	SH		SOLE		714	0	0
ISHARES MSCI EAFE ETF FUND	EXCHANGE TRADED FUND - EQUITY	464287465	898,172	11,247	SH		SOLE		11,247	0	0
ISHARES MSCI EAFE ETF FUND	EXCHANGE TRADED FUND - EQUITY	464287465	15,972	200	SH		DFND		0	200	0
ISHARES RUSSELL MIDCAP GROWTH INDEX FUND	EXCHANGE TRADED FUND - EQUITY	464287481	18,947	166	SH		SOLE		166	0	0
ISHARES RUSSELL MIDCAP ETF	EXCHANGE TRADED FUND - EQUITY	464287499	299,106	3,557	SH		SOLE		3,557	0	0
ISHARES CORE S&P MID CAP ETF	EXCHANGE TRADED FUND - EQUITY	464287507	616,022	10,142	SH		SOLE		10,142	0	0
ISHARES CORE S&P MID CAP ETF	EXCHANGE TRADED FUND - EQUITY	464287507	45,555	750	SH		DFND		0	750	0
ISHARES RUSSELL 1000 VALUE INDEX FUND	EXCHANGE TRADED FUND - EQUITY	464287598	536,790	2,997	SH		SOLE		2,997	0	0
ISHARES RUSSELL 1000 GROWTH ETF	EXCHANGE TRADED FUND - EQUITY	464287614	2,151,649	6,384	SH		SOLE		6,384	0	0
ISHARES RUSSELL 2000 GROWTH ETF	EXCHANGE TRADED FUND - EQUITY	464287648	392,101	1,448	SH		SOLE		1,448	0	0
ISHARES RUSSELL 2000 ETF	EXCHANGE TRADED FUND - EQUITY	464287655	304,513	1,448	SH		SOLE		1,448	0	0
ISHARES U.S. TECHNOLOGY ETF	INFORMATION TECHNOLOGY	464287721	54,294	402	SH		SOLE		402	0	0
ISHARES U.S. HEALTHCARE ETF	HEALTHCARE	464287762	3,095	50	SH		SOLE		50	0	0
ISHARES CORE S&P SMALL-CAP ETF	EXCHANGE TRADED FUND - EQUITY	464287804	3,920,770	35,476	SH		SOLE		35,396	0	80
ISHARES CORE S&P SMALL-CAP ETF	EXCHANGE TRADED FUND - EQUITY	464287804	206,007	1,864	SH		DFND		540	1,324	0
ISHARES US CONSUMER STAPLES EFT	EXCHANGE TRADED FUND - EQUITY	464287812	268,477	3,970	SH		SOLE		3,970	0	0
ISHARES S&P SMALLCAP 600 GROWTH INDEX FD	Exchange Traded Funds - Equity	464287887	5,098	39	SH		SOLE		39	0	0
ETF ISHARES GLOBAL CLEAN ENERGY	ENERGY	464288224	39,743	2,843	SH		SOLE		2,843	0	0
ISHARES MSCI KLD 400 SOCIAL	EXCHANGE TRADED FUND - EQUITY	464288570	69,558	690	SH		SOLE		690	0	0
ISHARES DOW JONES US HOME CONSTRUCTION INDEX	EXCHANGE TRADED FUND - EQUITY	464288752	64,135	554	SH		SOLE		554	0	0
ISHARES MSCI USA ESG SELECT	EXCHANGE TRADED FUND - EQUITY	464288802	223,798	2,050	SH		SOLE		2,050	0	0
ISHARES MSCI EAFE GROWTH ETF	EXCHANGE TRADED FUND - EQUITY	464288885	79,709	768	SH		SOLE		768	0	0
ISHARES US TREASURY BOND ETF	ETF's - Fixed Income	46429B267	77,030	3,383	SH		SOLE		3,383	0	0
ISHARES MSCI SINGAPORE ETF	EXCHANGE TRADED FUND - EQUITY	46434G780	4,846	264	SH		DFND		264	0	0
ISHARES IBONDS DEC 2025 CORP-ETF	EXCHANGE TRADED FUND-FIXED INC	46434VBD1	153,327	6,183	SH		SOLE		6,183	0	0
ISHARES IBONDS DEC 2024 CORP EFT	EXCHANGE TRADED FUND-FIXED INC	46434VBG4	180,729	7,218	SH		SOLE		7,218	0	0
ISHARES IBONDS DEC 2026 TERMCORPORATE ETF	EXCHANGE TRADED FUND-FIXED INC	46435GAA0	283,494	11,892	SH		SOLE		11,892	0	0
ISHARE HIGH YIELD BOND FACTOR EFT	EXCHANGE TRADED FUND-FIXED INC	46435G250	25,882	554	SH		SOLE		554	0	0
ISHARES IBONDS DEC 2027 CORPORATE ETF	EXCHANGE TRADED FUND-FIXED INC	46435UAA9	276,828	11,637	SH		SOLE		11,637	0	0
ISHARES IBONDS DEC 2028 TERM CORPORATE ETF	EXCHANGE TRADED FUND-FIXED INC	46435U515	319,578	12,835	SH		SOLE		12,835	0	0
ISHARES IBONDS DEC 2033 TERMCORPORATE ETF	EXCHANGE TRADED FUND-FIXED INC	46436E130	83,590	3,282	SH		SOLE		3,282	0	0
ISHARES IBONDS DEC 2029 TERM CORPORATE ETF	EXCHANGE TRADED FUND-FIXED INC	46436E205	398,981	17,492	SH		SOLE		17,492	0	0
ISHARES TRUST IBONDS DEC2032TERM CORP ETF	EXCHANGE TRADED FUND-FIXED INC	46436E312	129,404	5,218	SH		SOLE		4,208	0	1,010
ISHARES IBONDS DEC 2031 TERM CORPORATE ETF	EXCHANGE TRADED FUND-FIXED INC	46436E486	1,386,263	67,691	SH		SOLE		66,461	0	1,230
ISHARES IBONDS DEC 2030 TERM CORP-ETF	EXCHANGE TRADED FUND-FIXED INC	46436E726	312,646	14,617	SH		SOLE		14,617	0	0
ISHARES IBONDS DEC 2024 TERM TREASURY ETF	EXCHANGE TRADED FUND-FIXED INC	46436E874	17,180	718	SH		SOLE		718	0	0
ISSUER DIRECT CORPORATION	INFORMATION TECHNOLOGY	46520M204	4,134	320	SH		SOLE		320	0	0
JPMORGAN CHASE & CO COM	FINANCIALS	46625H100	4,365,498	21,795	SH		SOLE		20,805	965	25
JPMORGAN CHASE & CO COM	FINANCIALS	46625H100	195,292	975	SH		DFND		945	30	0
JD.COM INC.-ADR	CONSUMER DISCRETIONARY	47215P106	1,916	70	SH		SOLE		70	0	0
JOHNSON & JOHNSON	HEALTHCARE	478160104	3,469,972	21,936	SH		SOLE		20,798	1,108	30
JOHNSON & JOHNSON	HEALTHCARE	478160104	524,552	3,316	SH		DFND		1,385	1,931	0
KLA-TENCOR CORPORATION	INFORMATION TECHNOLOGY	482480100	6,985	10	SH		SOLE		10	0	0
KELLOGG COMPANY	CONSUMER STAPLES	487836108	72,586	1,267	SH		DFND		1,267	0	0
KIMBERLY CLARK	CONSUMER STAPLES	494368103	198,162	1,532	SH		SOLE		1,532	0	0
KIMBERLY CLARK	CONSUMER STAPLES	494368103	129,350	1,000	SH		DFND		1,000	0	0
KINDER MORGAN INC.	ENERGY	49456B101	23,126	1,261	SH		SOLE		1,261	0	0
KROGER COMPANY	CONSUMER STAPLES	501044101	1,828	32	SH		SOLE		32	0	0
L3HARRIS TECHNOLOGIES INC. COMMON STOCK	INDUSTRIALS	502431109	4,262	20	SH		SOLE		20	0	0
LAM RESEARCH CORP COMMON	HEALTHCARE	512807108	57,320	59	SH		SOLE		59	0	0
ESTEE LAUDER COMPANIES-CL A	CONSUMER STAPLES	518439104	8,324	54	SH		SOLE		54	0	0
LENNAR COPORATION CLASS A	CONSUMER DISCRETIONARY	526057104	84,270	490	SH		SOLE		490	0	0
LENNAR CORPORATION CLASS B	CONSUMER DISCRETIONARY	526057302	154	1	SH		SOLE		1	0	0
ELI LILLY & CO	HEALTHCARE	532457108	2,957,773	3,802	SH		SOLE		3,802	0	0
ELI LILLY & CO	HEALTHCARE	532457108	645,706	830	SH		DFND		750	80	0
LINCOLN ELECTRIC HOLDING INC	INDUSTRIALS	533900106	12,772	50	SH		SOLE		50	0	0
LITTELFUSE INC	INFORMATION TECHNOLOGY	537008104	12,117	50	SH		SOLE		50	0	0
LOCKHEED MARTIN CORP	INDUSTRIALS	539830109	2,332,021	5,127	SH		SOLE		4,807	320	0
LOCKHEED MARTIN CORP	INDUSTRIALS	539830109	404,825	890	SH		DFND		890	0	0
LOOMIS SAYLES BOND FUND	FIXED INCOME	543495840	86,472	7,461	SH		SOLE		7,461	0	0
LOWES COMPANIES INC	CONSUMER DISCRETIONARY	548661107	716,290	2,812	SH		SOLE		2,737	0	75
LOWES COMPANIES INC	CONSUMER DISCRETIONARY	548661107	61,134	240	SH		DFND		240	0	0
LULULEMON ATHLETICA INC	CONSUMER DISCRETIONARY	550021109	16,015	41	SH		SOLE		41	0	0
M.D.C. HOLDINGS INC. COMMON STOCK	CONSUMER DISCRETIONARY	552676108	125,800	2,000	SH		SOLE		2,000	0	0
MDU RESOURCES GROUP INC	ENERGY	552690109	25,200	1,000	SH		SOLE		1,000	0	0
MGM MIRAGE	CONSUMER DISCRETIONARY	552953101	4,578	97	SH		SOLE		97	0	0
MPLX LP	ENERGY	55336V100	153,772	3,700	SH		SOLE		3,700	0	0
MACROGENICS INC. COMMON STOCK	HEALTHCARE	556099109	4,327	294	SH		SOLE		294	0	0
MANULIFE FINANCIAL	FINANCIALS	56501R106	3,347	134	SH		SOLE		134	0	0
MARATHON PETROLEUM CORPORATION	ENERGY	56585A102	255,905	1,270	SH		SOLE		1,270	0	0
MARKEL GROUP INC	FINANCIALS	570535104	18,256	12	SH		SOLE		12	0	0
MARRIOTT INTERNATIONAL INC. CLASS A	CONSUMER DISCRETIONARY	571903202	16,400	65	SH		SOLE		65	0	0
MARVELL TECHNOLOGY INC. COMMON STOCK	INFORMATION TECHNOLOGY	573874104	152,035	2,145	SH		SOLE		2,145	0	0
MASIMO CORPORATION	HEALTHCARE	574795100	1,762	12	SH		SOLE		12	0	0
MASONITE INTERNATIONAL CORPORATION	INDUSTRIALS	575385109	3,943	30	SH		SOLE		30	0	0
MASTERCARD INC - CLASS A	INFORMATION TECHNOLOGY	57636Q104	373,213	775	SH		SOLE		710	65	0
MCCORMICK & CO.	CONSUMER STAPLES	579780206	123,203	1,604	SH		SOLE		204	1,400	0
MCDONALDS CORP	CONSUMER DISCRETIONARY	580135101	2,712,496	9,621	SH		SOLE		8,821	785	15
MCDONALDS CORP	CONSUMER DISCRETIONARY	580135101	692,724	2,457	SH		DFND		1,200	1,257	0
MCGRATH RENTCORP	CONSUMER DISCRETIONARY	580589109	61,685	500	SH		SOLE		500	0	0
MCKESSON CORPORATION	HEALTHCARE	58155Q103	190,577	355	SH		SOLE		355	0	0
MERCADOLIBRE INC	INFORMATION TECHNOLOGY	58733R102	22,679	15	SH		SOLE		15	0	0
MERCK & CO., INC	HEALTHCARE	58933Y105	1,224,738	9,282	SH		SOLE		8,982	300	0
MERCK & CO., INC	HEALTHCARE	58933Y105	248,725	1,885	SH		DFND		1,885	0	0
METLIFE INC	FINANCIALS	59156R108	1,148,593	15,499	SH		SOLE		15,469	0	30
METLIFE INC	FINANCIALS	59156R108	94,638	1,277	SH		DFND		1,277	0	0
MICROSOFT CORP	INFORMATION TECHNOLOGY	594918104	10,083,087	23,967	SH		SOLE		22,599	1,368	0
MICROSOFT CORP	INFORMATION TECHNOLOGY	594918104	224,658	534	SH		DFND		80	454	0
MID-AMERICA APARTMENT COMMUNITIES INC.	REAL ESTATE	59522J103	3,289	25	SH		SOLE		25	0	0
MIMEDX GROUP INC COM	HEALTHCARE	602496101	3,003	390	SH		SOLE		390	0	0
MITEK SYSTEMS INC.	INFORMATION TECHNOLOGY	606710200	12,690	900	SH		SOLE		900	0	0
MONDELEZ INTERNATIONAL INC	CONSUMER STAPLES	609207105	122,780	1,754	SH		SOLE		754	1,000	0
MONGODB, INC.	INFORMATION TECHNOLOGY	60937P106	31,559	88	SH		SOLE		88	0	0
MORGAN STANLEY	FINANCIALS	617446448	513,381	5,453	SH		SOLE		5,453	0	0
MUELLER INDUSTRIES INC. COMMON STOCK	MATERIALS	624756102	64,716	1,200	SH		SOLE		1,200	0	0
NASDAQ STOCK MARKET INC	FINANCIALS	631103108	9,465	150	SH		SOLE		150	0	0
NATIONAL FUEL GAS CO. NJ	UTILITIES	636180101	14,773	275	SH		SOLE		275	0	0
NETAPP, INC.	INFORMATION TECHNOLOGY	64110D104	10,497	100	SH		SOLE		100	0	0
NETFLIX INC	INFORMATION TECHNOLOGY	64110L106	549,013	904	SH		SOLE		904	0	0
NEWMONT CORPORATION	MATERIALS	651639106	47,022	1,312	SH		SOLE		1,312	0	0
NEXTERA ENERGY INC	UTILITIES	65339F101	1,763,106	27,592	SH		SOLE		26,392	1,200	0
NICE LTD - AMERICAN DEPOSITORY SHARES	INFORMATION TECHNOLOGY	653656108	7,818	30	SH		SOLE		30	0	0
NIKE, INC	CONSUMER DISCRETIONARY	654106103	619,500	6,592	SH		SOLE		6,592	0	0
NORFOLK SOUTHERN CORPORATION	INDUSTRIALS	655844108	38,230	150	SH		SOLE		150	0	0
NORTHROP GRUMMAN CORP	INDUSTRIALS	666807102	335,048	700	SH		SOLE		700	0	0
NOVARTIS AG - ADR	FOREIGN EQUITIES	66987V109	27,953	289	SH		SOLE		159	130	0
NUCOR	MATERIALS	670346105	298,829	1,510	SH		SOLE		910	600	0
NUCOR	MATERIALS	670346105	158,320	800	SH		DFND		800	0	0
NVIDIA CORP.	INFORMATION TECHNOLOGY	67066G104	8,927,036	9,880	SH		SOLE		9,880	0	0
NUVEEN QUALITY MUNICIPAL INCOME FUND	MUTUAL FUNDS-NON TAX	67066V101	7,666	669	SH		SOLE		669	0	0
NUVEEN NEW YORK QUALITY MUNICIPAL INCOME FD	MUTUAL FUNDS-NON TAX	67066X107	31,755	2,900	SH		SOLE		2,900	0	0
NUVEEN AMT-FREE MUNI CREDIT INCOME FUND	MUTUAL FUNDS-NON TAX	67071L106	18,832	1,550	SH		SOLE		1,550	0	0
NUSHARES ETF TR NUVEEN ESG SMLCP	EXCHANGE TRADED FUND - EQUITY	67092P607	582	14	SH		SOLE		14	0	0
OCCIDENTAL PETROLEUM CORP	ENERGY	674599105	11,372	175	SH		SOLE		175	0	0
OLD DOMINION FREIGHT LINE	CONSUMER DISCRETIONARY	679580100	219	1	SH		SOLE		1	0	0
ONEOK INC	ENERGY	682680103	154,727	1,930	SH		SOLE		1,930	0	0
ON24 INC.	INFORMATION TECHNOLOGY	68339B104	4,819	675	SH		SOLE		675	0	0
OPERA LIMITED AMERICAN DEPOSITARY	INFORMATION TECHNOLOGY	68373M107	3,541	224	SH		SOLE		224	0	0
ORACLE CORPORATION	INFORMATION TECHNOLOGY	68389X105	1,063,763	8,469	SH		SOLE		8,469	0	0
ORACLE CORPORATION	INFORMATION TECHNOLOGY	68389X105	21,353	170	SH		DFND		0	170	0
OTIS WORLDWIDE CORPORATION	INDUSTRIALS	68902V107	175,299	1,766	SH		SOLE		1,416	350	0
OTIS WORLDWIDE CORPORATION	INDUSTRIALS	68902V107	51,318	517	SH		DFND		327	190	0
OUTSET MEDICAL INC.	HEALTHCARE	690145107	621	280	SH		SOLE		280	0	0
OWENS CORNING INC.	MATERIALS	690742101	3,502	21	SH		SOLE		21	0	0
PNC FINANCIAL SERVICES GROUP INC	FINANCIALS	693475105	52,357	324	SH		SOLE		324	0	0
PPL CORP	UTILITIES	69351T106	2,752	100	SH		SOLE		100	0	0
PACER SMALL CAP ETF	Exchange Traded Funds - Equity	69374H857	448,127	9,118	SH		SOLE		9,118	0	0
PACIRA BIOSCIENCES, INC	HEALTHCARE	695127100	17,526	600	SH		SOLE		600	0	0
PALANTIR TECHNOLOGIES INC. CLASS A COMMON STOCK	INFORMATION TECHNOLOGY	69608A108	6,256	272	SH		SOLE		272	0	0
PALO ALTO NETWORKS INC	INFORMATION TECHNOLOGY	697435105	143,481	505	SH		SOLE		505	0	0
PARKER HANNIFIN CORP	MATERIALS	701094104	45,017	81	SH		SOLE		81	0	0
PAYCHEX INC	INFORMATION TECHNOLOGY	704326107	11,297	92	SH		SOLE		92	0	0
PELOTON INTERACTIVE INC CLASS A	CONSUMER DISCRETIONARY	70614W100	2,952	690	SH		SOLE		690	0	0
PEPSICO INC	CONSUMER STAPLES	713448108	3,210,148	18,343	SH		SOLE		18,048	295	0
PEPSICO INC	CONSUMER STAPLES	713448108	600,281	3,430	SH		DFND		1,815	1,615	0
PETROLEO BRASILEIRO S.A. ADR	FOREIGN EQUITIES	71654V101	14,900	1,000	SH		SOLE		1,000	0	0
PFIZER INC	HEALTHCARE	717081103	1,429,678	51,521	SH		SOLE		48,965	2,556	0
PFIZER INC	HEALTHCARE	717081103	109,195	3,935	SH		DFND		3,610	325	0
PHILIP MORRIS INTERNATIONAL W/I	CONSUMER DISCRETIONARY	718172109	195,515	2,134	SH		SOLE		2,134	0	0
PHILLIPS 66	ENERGY	718546104	1,461,367	8,947	SH		SOLE		8,737	210	0
PHILLIPS 66	ENERGY	718546104	204,991	1,255	SH		DFND		1,255	0	0
PINTEREST INC CL A	COMMUNICATION SERVICES	72352L106	31,713	915	SH		SOLE		915	0	0
PIONEER NATURAL RESOURCES COMPANY	ENERGY	723787107	25,461	97	SH		SOLE		97	0	0
PLAINS ALL AMERICAN PIPELINE	ENERGY	726503105	189,540	10,800	SH		SOLE		10,800	0	0
PLUG POWER INC.	INFORMATION TECHNOLOGY	72919P202	5,160	1,500	SH		SOLE		1,500	0	0
POST HOLDINGS INC	CONSUMER STAPLES	737446104	5,314	50	SH		SOLE		50	0	0
T ROWE PRICE GROUP INC	FINANCIALS	74144T108	45,720	375	SH		SOLE		375	0	0
PROCTER & GAMBLE CO	CONSUMER STAPLES	742718109	4,189,402	25,821	SH		SOLE		24,114	1,672	35
PROCTER & GAMBLE CO	CONSUMER STAPLES	742718109	718,926	4,431	SH		DFND		2,620	1,811	0
PROLOGIS, INC.	REAL ESTATE	74340W103	7,551	58	SH		SOLE		58	0	0
PRUDENTIAL FINANCIAL INC	FINANCIALS	744320102	337,163	2,872	SH		SOLE		2,872	0	0
PRUDENTIAL FINANCIAL INC	FINANCIALS	744320102	85,702	730	SH		DFND		730	0	0
PUBLIC SERVICE ENTERPRISE GROUP, INC	UTILITIES	744573106	10,349	155	SH		SOLE		155	0	0
PUBMATIC INC COM CL A	CONSUMER DISCRETIONARY	74467Q103	13,016	549	SH		SOLE		549	0	0
PULTEGROUP, INC	INDUSTRIALS	745867101	108,799	902	SH		SOLE		902	0	0
QUALCOMM INC	INFORMATION TECHNOLOGY	747525103	1,724,296	10,185	SH		SOLE		9,938	217	30
QUANTA SERVICES INC	INDUSTRIALS	74762E102	120,802	465	SH		SOLE		465	0	0
QUEST DIAGNOSTICS	HEALTHCARE	74834L100	2,129	16	SH		SOLE		16	0	0
REGENERON PHARMACEUTICALS	HEALTHCARE	75886F107	406,148	422	SH		SOLE		422	0	0
RELAY THERAPEUTICS INC COM	HEALTHCARE	75943R102	2,855	344	SH		SOLE		344	0	0
REPLIGEN CORPORATION	HEALTHCARE	759916109	45,980	250	SH		SOLE		250	0	0
RIMINI STREET INC.	INFORMATION TECHNOLOGY	76674Q107	5,086	1,565	SH		SOLE		1,565	0	0
RIO TINTO PLC	MATERIALS	767204100	95,610	1,500	SH		SOLE		1,500	0	0
ROBLOX CORP CL A	CONSUMER DISCRETIONARY	771049103	2,901	76	SH		SOLE		76	0	0
ROCHE HOLDING AG	HEALTHCARE	771195104	3,286	103	SH		SOLE		103	0	0
ROCKWELL AUTOMATION, INC.	INDUSTRIALS	773903109	291	1	SH		SOLE		1	0	0
ROKU INC	CONSUMER DISCRETIONARY	77543R102	6,191	95	SH		SOLE		95	0	0
ROSS STORES INC	CONSUMER DISCRETIONARY	778296103	733	5	SH		SOLE		5	0	0
RYMAN HOSPITALITY PROPERTIES(REIT)	FINANCIALS	78377T107	5,202	45	SH		SOLE		45	0	0
SPDR S & P 500 ETF TRUST	EXCHANGE TRADED FUND - EQUITY	78462F103	26,084,394	49,868	SH		SOLE		49,868	0	0
SPDR S & P 500 ETF TRUST	EXCHANGE TRADED FUND - EQUITY	78462F103	1,901,357	3,635	SH		DFND		1,020	2,615	0
SPDR GOLD TRUST	Exchange Traded Funds - Equity	78463V107	268,461	1,305	SH		SOLE		1,305	0	0
SPDR NYSE TECHNOLOGY ETF	INFORMATION TECHNOLOGY	78464A102	69,304	380	SH		SOLE		380	0	0
SPDR S&P 600 SMALL CAP GROWTH EFT	EXCHANGE TRADED FUND - EQUITY	78464A201	6,541	75	SH		SOLE		75	0	0
SPDR PORTFOLIO TIP ETF	EXCHANGE TRADED FUND-FIXED INC	78464A656	28,964	1,131	SH		SOLE		1,131	0	0
SPDR S&P REGIONAL BANKING ETF	FINANCIALS	78464A698	3,770	75	SH		SOLE		75	0	0
SPDR S&P DIVIDEND ETF	EXCHANGE TRADED FUND - EQUITY	78464A763	191,610	1,460	SH		SOLE		1,460	0	0
ETF SPDR S&P BIOTECH	HEALTHCARE	78464A870	131,895	1,390	SH		SOLE		1,390	0	0
S&P MIDCAP 400 DEPOSITORY RECEIPTS ETF -W	EXCHANGE TRADED FUND - EQUITY	78467Y10W	63,427	114	SH		SOLE		114	0	0
S & P MIDCAP 400 DEPOSITORY RECEIPTS ETF	EXCHANGE TRADED FUND - EQUITY	78467Y107	5,926,048	10,651	SH		SOLE		10,599	0	52
S & P MIDCAP 400 DEPOSITORY RECEIPTS ETF	EXCHANGE TRADED FUND - EQUITY	78467Y107	249,259	448	SH		DFND		230	218	0
SPDR NUVEEN BLOOMBERG BARCLAY MUNICIPAL BOND ETF	EXCHANGE TRADED FUND-FIXED INC	78468R721	69,705	1,500	SH		SOLE		1,500	0	0
SALESFORCE, INC.	INFORMATION TECHNOLOGY	79466L302	406,567	1,350	SH		SOLE		1,350	0	0
SAP AKTIENGESELLSCHAFT ADR	FOREIGN EQUITIES	803054204	38,809	199	SH		SOLE		199	0	0
SCHLUMBERGER LTD	ENERGY	806857108	28,830	526	SH		SOLE		526	0	0
SCHLUMBERGER LTD	ENERGY	806857108	13,373	244	SH		DFND		0	244	0
CHARLES SCHWAB CORPORATION	FINANCIALS	808513105	12,513	173	SH		SOLE		173	0	0
SCHWAB U.S. SMALL-CAP ETF	EXCHANGE TRADED FUND - EQUITY	808524607	12,900	262	SH		SOLE		262	0	0
SCHWAB FUNDAMENTAL INTERNATIONAL SMALL COMPANY	EXCHANGE TRADED FUND - EQUITY	808524748	7,626	215	SH		SOLE		215	0	0
SCWAB FUNDAMENTAL INTERNATIONAL LARGE COMPANY	EXCHANGE TRADED FUND - EQUITY	808524755	12,855	361	SH		SOLE		361	0	0
SCHWAB FUNDAMENTAL U.S. SMALL COMPANY INDEX ETF	EXCHANGE TRADED FUND - EQUITY	808524763	11,689	205	SH		SOLE		205	0	0
SCHWAB FUNDAMENTAL U.S. LARGE COMPANY INDEX ETF	EXCHANGE TRADED FUND - EQUITY	808524771	25,941	385	SH		SOLE		385	0	0
MATERIAL SELECT SECTOR SPDR TRUST	MATERIALS	81369Y100	68,830	741	SH		SOLE		741	0	0
HEALTH CARE SELECT SECTOR SPDR FUND	HEALTHCARE	81369Y209	604,044	4,089	SH		SOLE		4,089	0	0
CONSUMER STAPLES SELECT SECTOR SPDR FUND	CONSUMER STAPLES	81369Y308	53,450	700	SH		SOLE		700	0	0
CONSUMER DISCRETIONARY SELE CT SECTOR SPDR FUND	CONSUMER DISCRETIONARY	81369Y407	117,688	640	SH		SOLE		640	0	0
ENERGY SELECT SECTOR SPDR FUND	ENERGY	81369Y506	574,402	6,085	SH		SOLE		6,085	0	0
FINANCIAL SELECT SECTOR SPDR FUND	FINANCIALS	81369Y605	605,782	14,386	SH		SOLE		14,386	0	0
INDUSTRIAL SELECT SECTOR SPDR FUND	INDUSTRIALS	81369Y704	227,101	1,803	SH		SOLE		1,803	0	0
TECHNOLOGY SELECT SECT SPDR	INFORMATION TECHNOLOGY	81369Y803	1,985,835	9,535	SH		SOLE		9,535	0	0
COMMUNICATION SERVICES SELECT SECTOR SPDR FUND	COMMUNICATION SERVICES	81369Y852	520,422	6,374	SH		SOLE		6,374	0	0
AMEX UTILITIES SELECT INDEX SHS BEN INT	UTILITIES	81369Y886	58,227	887	SH		SOLE		887	0	0
SEMPRA	UTILITIES	816851109	84,039	1,170	SH		SOLE		1,170	0	0
SENTINELONE INC CL A	INFORMATION TECHNOLOGY	81730H109	2,353	101	SH		SOLE		101	0	0
SHERWIN WILLIAMS COMPANY	CONSUMER DISCRETIONARY	824348106	70,504	203	SH		SOLE		203	0	0
SCHOCKWAVE MEDICAL INC	HEALTHCARE	82489T104	41,355	127	SH		SOLE		127	0	0
SIEMENS AG	FOREIGN EQUITIES	826197501	19,276	202	SH		SOLE		202	0	0
SIMON PROPERTY GROUP	REAL ESTATE	828806109	10,326	66	SH		SOLE		66	0	0
SIX FLAGS ENTERTAINMENT CORPORATION	CONSUMER DISCRETIONARY	83001A102	8,287	315	SH		SOLE		315	0	0
SMITH-MIDLAND CORPORATION	INDUSTRIALS	832156103	15,500	330	SH		SOLE		330	0	0
J.M. SMUCKER COMPANY	CONSUMER STAPLES	832696405	199,754	1,587	SH		SOLE		636	951	0
SOUTHERN CO	UTILITIES	842587107	932,886	13,004	SH		SOLE		12,389	615	0
SOUTHERN CO	UTILITIES	842587107	239,969	3,345	SH		DFND		2,600	745	0
SPECTRUM BRANDS HOLDINGS INCCOMMON STOCK	CONSUMER STAPLES	84790A105	890	10	SH		SOLE		10	0	0
STARBUCKS CORPORATION	CONSUMER DISCRETIONARY	855244109	307,520	3,365	SH		SOLE		3,365	0	0
STARBUCKS CORPORATION	CONSUMER DISCRETIONARY	855244109	8,407	92	SH		DFND		0	92	0
STEPAN CO	MATERIALS	858586100	45,020	500	SH		SOLE		500	0	0
STITCH FIX, INC. - CLASS A	CONSUMER DISCRETIONARY	860897107	512	195	SH		SOLE		195	0	0
STRYKER CORP	HEALTHCARE	863667101	1,455,036	4,066	SH		SOLE		4,066	0	0
STRYKER CORP	HEALTHCARE	863667101	50,100	140	SH		DFND		140	0	0
SUMMIT THERAPEUTICS INC.	HEALTHCARE	86627T108	10,350	2,500	SH		SOLE		2,500	0	0
SUNCOR ENERGY INC NEW	FOREIGN EQUITIES	867224107	36,898	1,000	SH		SOLE		1,000	0	0
SUPER MICRO COMPUTER INC COM	INFORMATION TECHNOLOGY	86800U104	50,501	50	SH		SOLE		50	0	0
SYNOPSYS INC	INFORMATION TECHNOLOGY	871607107	16,573	29	SH		SOLE		29	0	0
SYSCO CORPORATION	CONSUMER STAPLES	871829107	73,710	908	SH		SOLE		908	0	0
TJX COS INC NEW	CONSUMER DISCRETIONARY	872540109	110,242	1,087	SH		SOLE		1,087	0	0
T. ROWE PRICE DIVIDEND GROWTH ETF	EXCHANGE TRADED FUND - EQUITY	87283Q404	153,406	4,037	SH		SOLE		4,037	0	0
TAIWAN SEMICONDUCTOR MFG CO LTD ADR	FOREIGN EQUITIES	874039100	47,888	352	SH		SOLE		352	0	0
TAKE-TWO INTERACTIVE SOFTWARE, INC.	INFORMATION TECHNOLOGY	874054109	8,909	60	SH		SOLE		60	0	0
TARGET CORP	CONSUMER DISCRETIONARY	87612E106	764,096	4,312	SH		SOLE		4,140	130	42
TARGET CORP	CONSUMER DISCRETIONARY	87612E106	127,945	722	SH		DFND		0	722	0
TECK RESOURCES LTD	MATERIALS	878742204	4,439	97	SH		SOLE		97	0	0
TELADOC HEALTH INC.	HEALTHCARE	87918A105	4,937	327	SH		SOLE		327	0	0
TERADATA CORPORATION	INFORMATION TECHNOLOGY	88076W103	4,059	105	SH		SOLE		105	0	0
TESLA MOTORS INC	CONSUMER DISCRETIONARY	88160R101	891,047	5,069	SH		SOLE		5,069	0	0
TEXAS INSTRUMENTS	INFORMATION TECHNOLOGY	882508104	58,358	335	SH		SOLE		335	0	0
TEXTRON INC	INDUSTRIALS	883203101	6,235	65	SH		SOLE		65	0	0
THE TRADE DESK, INC.	INFORMATION TECHNOLOGY	88339J105	69,936	800	SH		SOLE		800	0	0
THERMO FISHER SCIENTIFIC, INC	HEALTHCARE	883556102	55,213	95	SH		SOLE		95	0	0
3M CO COM	INDUSTRIALS	88579Y101	284,984	2,687	SH		SOLE		2,687	0	0
3M CO COM	INDUSTRIALS	88579Y101	83,264	785	SH		DFND		785	0	0
THRYV HLDGS INC COM NEW	CONSUMER DISCRETIONARY	886029206	3,266	147	SH		SOLE		147	0	0
TORO CO	INDUSTRIALS	891092108	9,163	100	SH		SOLE		100	0	0
TORONTO-DOMINION BANK NEW	FOREIGN EQUITIES	891160509	232,037	3,843	SH		SOLE		3,843	0	0
TOTALENERGIES SE	FOREIGN EQUITIES	89151E109	24,159	351	SH		SOLE		351	0	0
TOYOTA MOTOR CORP ADR	CONSUMER DISCRETIONARY	892331307	31,460	125	SH		SOLE		125	0	0
TRANSMEDICS GROUP INC.	HEALTHCARE	89377M109	34,012	460	SH		SOLE		460	0	0
TRAVELERS COS INC	FINANCIALS	89417E109	144,987	630	SH		SOLE		630	0	0
TREX COMPANY INC.	INDUSTRIALS	89531P105	6,483	65	SH		SOLE		65	0	0
TWILIO INC. - A	INFORMATION TECHNOLOGY	90138F102	6,909	113	SH		SOLE		113	0	0
US BANCORP DEL COM NEW	FINANCIALS	902973304	93,465	2,091	SH		SOLE		2,091	0	0
US BANCORP DEL COM NEW	FINANCIALS	902973304	894	20	SH		DFND		20	0	0
UNILEVER PLC	FOREIGN EQUITIES	904767704	8,530	170	SH		SOLE		0	170	0
UNION PACIFIC CORP	INDUSTRIALS	907818108	215,917	878	SH		SOLE		878	0	0
UNITED PARCEL SERVICE	INDUSTRIALS	911312106	421,043	2,833	SH		SOLE		2,833	0	0
UNITEDHEALTH GROUP INC	HEALTHCARE	91324P102	1,275,317	2,578	SH		SOLE		2,578	0	0
UPSTART HLDGS INC COM	FINANCIALS	91680M107	4,032	150	SH		SOLE		150	0	0
VAIL RESORTS INC.	CONSUMER DISCRETIONARY	91879Q109	3,342	15	SH		SOLE		15	0	0
VALERO ENERGY NEW	ENERGY	91913Y100	761,600	4,462	SH		SOLE		4,347	115	0
VALERO ENERGY NEW	ENERGY	91913Y100	135,186	792	SH		DFND		792	0	0
VANECK SEMICONDUCTOR ETF	INFORMATION TECHNOLOGY	92189F676	526,689	2,341	SH		SOLE		2,341	0	0
VANECK INDONESIA INDEX ETF	Exchange Traded Funds - Equity	92189F833	10,157	627	SH		SOLE		627	0	0
VANGUARD DIVIDEND APPRECIATION INDEX FUND	EXCHANGE TRADED FUND - EQUITY	921908844	264,228	1,447	SH		SOLE		1,447	0	0
ETF VANGUARD TOTAL INTL STOCK	MUTUAL FUND	921909768	2,110	35	SH		SOLE		35	0	0
VANGUARD SHORT-TERM BOND ETF	EXCHANGE TRADED FUND-FIXED INC	921937827	15,870	207	SH		SOLE		207	0	0
VANGUARD TOTAL BOND MARKET FUND ETF	EXCHANGE TRADED FUND-FIXED INC	921937835	427,136	5,881	SH		SOLE		5,881	0	0
VANGUARD FTSE DEVELOPED MARKET ETF	Exchange Traded Funds - Equity	921943858	439,551	8,763	SH		SOLE		8,763	0	0
VANGUARD INTERNATIONAL HIGH DIVIDEND YIELD ETF	Exchange Traded Funds - Equity	921946794	47,185	686	SH		SOLE		686	0	0
VANGUARD UTILITIES ETF	UTILITIES	92204A876	4,277	30	SH		SOLE		30	0	0
VANGUARD FTSE ALL-WLD EX-US SMCP IDX ETF	EXCHANGE TRADED FUND - EQUITY	922042718	3,154	27	SH		SOLE		27	0	0
VANGUARD MSCI EMERGING MARKETS ETF	EXCHANGE TRADED FUND - EQUITY	922042858	168,328	4,030	SH		SOLE		4,030	0	0
VANGUARD MSCI EMERGING MARKETS ETF	EXCHANGE TRADED FUND - EQUITY	922042858	48,452	1,160	SH		DFND		910	250	0
ETF VANGUARD RUSSELL 3000	EXCHANGE TRADED FUND - EQUITY	92206C599	2,136,468	9,171	SH		SOLE		9,171	0	0
ETF VANGUARD RUSSELL 3000	EXCHANGE TRADED FUND - EQUITY	92206C599	297,722	1,278	SH		DFND		1,278	0	0
ETF VANGUARD RUSSELL 2000	EXCHANGE TRADED FUND - EQUITY	92206C664	103,856	1,221	SH		SOLE		1,221	0	0
VAREX IMAGING CORP	HEALTHCARE	92214X106	723	40	SH		SOLE		40	0	0
VANGUARD REAL ESTATE ETF	REAL ESTATE	922908553	25,940	300	SH		SOLE		200	100	0
VANGUARD MID-CAP ETF	EXCHANGE TRADED FUND - EQUITY	922908629	1,499,160	6,000	SH		SOLE		6,000	0	0
VANGUARD GROWTH ETF	EXCHANGE TRADED FUND - EQUITY	922908736	1,513,447	4,397	SH		SOLE		4,397	0	0
VANGUARD VALUE ETF	EXCHANGE TRADED FUND - EQUITY	922908744	72,305	444	SH		SOLE		444	0	0
VANGUARD SMALL CAP ETF	EXCHANGE TRADED FUND - EQUITY	922908751	11,657	51	SH		SOLE		51	0	0
VANGUARD TOTAL STOCK MARKET ETF	EXCHANGE TRADED FUND - EQUITY	922908769	1,450,183	5,580	SH		SOLE		5,580	0	0
VERIZON COMMUNICATIONS INC	COMMUNICATION SERVICES	92343V104	1,458,102	34,759	SH		SOLE		33,303	1,456	0
VERIZON COMMUNICATIONS INC	COMMUNICATION SERVICES	92343V104	83,855	1,999	SH		DFND		212	1,787	0
VERISK ANALYTICS INC	INDUSTRIALS	92345Y106	24,751	105	SH		SOLE		105	0	0
VERTEX PHARMACEUTICALS INC	HEALTHCARE	92532F100	212,345	508	SH		SOLE		508	0	0
VISA INC - CLASS A SHARES	INFORMATION TECHNOLOGY	92826C839	1,426,305	5,111	SH		SOLE		5,011	100	0
VISHAY INTERTECHNOLOGY, INC.	INFORMATION TECHNOLOGY	928298108	63,504	2,800	SH		SOLE		2,800	0	0
VONTIER CORPORATION	INDUSTRIALS	928881101	1,814	40	SH		DFND		40	0	0
WALMART INC	CONSUMER STAPLES	931142103	1,457,948	24,231	SH		SOLE		23,391	840	0
WALMART INC	CONSUMER STAPLES	931142103	22,563	375	SH		DFND		375	0	0
WASTE MANAGEMENT INC NEW	INDUSTRIALS	94106L109	2,043,651	9,588	SH		SOLE		8,633	955	0
WASTE MANAGEMENT INC NEW	INDUSTRIALS	94106L109	279,226	1,310	SH		DFND		880	430	0
WAYFAIR INC CL A	CONSUMER DISCRETIONARY	94419L101	6,788	100	SH		SOLE		100	0	0
WELLS FARGO & CO NEW	FINANCIALS	949746101	58,760	1,014	SH		SOLE		794	220	0
WELLS FARGO & CO NEW	FINANCIALS	949746101	40,564	700	SH		DFND		700	0	0
WHERE FOOD COMES FROM INC.	INDUSTRIALS	96327X200	7,364	700	SH		SOLE		700	0	0
WHIRLPOOL CORP	CONSUMER DISCRETIONARY	963320106	2,392	20	SH		SOLE		20	0	0
JOHN WILEY & SONS INC	CONSUMER DISCRETIONARY	968223206	80,073	2,100	SH		SOLE		2,100	0	0
THE WILLIAMS CO. INC.	ENERGY	969457100	299,123	7,676	SH		SOLE		7,676	0	0
THE WILLIAMS CO. INC.	ENERGY	969457100	120,807	3,100	SH		DFND		3,100	0	0
WISDOMTREE INC	FINANCIALS	97717P104	5,514	600	SH		SOLE		600	0	0
XCEL ENERGY INC	UTILITIES	98389B100	30,203	562	SH		SOLE		562	0	0
YUM BRANDS INC.	CONSUMER DISCRETIONARY	988498101	24,957	180	SH		SOLE		180	0	0
YUM BRANDS INC.	CONSUMER DISCRETIONARY	988498101	83,190	600	SH		DFND		0	600	0
ZEBRA TECHNOLOGIES CORP CLASS A	INFORMATION TECHNOLOGY	989207105	24,115	80	SH		SOLE		80	0	0
ZIMMER HOLDINGS INC.	HEALTHCARE	98956P102	65,990	500	SH		SOLE		0	500	0
ZOETIS INC	HEALTHCARE	98978V103	13,875	82	SH		SOLE		82	0	0
ZUORA INC	INFORMATION TECHNOLOGY	98983V106	4,505	494	SH		SOLE		494	0	0