Adirondack Trust 13F-HR Quarterly holdings report by institutional manager

The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE

OMB APPROVAL

OMB Number:		3235-0006
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COLUMN 1	COLUMN 2	COLUMN 3	COLUMN 4	COLUMN 5			COLUMN 6	COLUMN 7	COLUMN 8
			VALUE	SHRS OR	SH/	PUT/	INVESTMENT	OTHER	VOTING AUTHORITY
NAME OF ISSUER	TITLE OF CLASS	CUSIP	(x$1000)	PRN AMT	PRN	CALL	DISCRETION	MANAGER	SOLE	SHARED	NONE
ALLEGION PLC	FOREIGN EQUITIES	G0176J109	6,143	52	SH		SOLE		52	0	0
ACCENTURE PLC	INFORMATION TECHNOLOGY	G1151C101	919,295	3,030	SH		SOLE		3,030	0	0
CAMBIUM NETWORKS CORPORATION	FOREIGN EQUITIES	G17766109	1,056	380	SH		SOLE		380	0	0
EATON CORP PLC	INDUSTRIALS	G29183103	137,015	437	SH		SOLE		437	0	0
KINIKSA PHARMACEUTICALS LTD. -CLASS A	FOREIGN EQUITIES	G5269C101	16,266	875	SH		SOLE		875	0	0
NORWEGIAN CRUISE LINE HOLDINGS LTD	CONSUMER DISCRETIONARY	G66721104	1,878	100	SH		SOLE		100	0	0
NOVOCURE LIMITED	HEALTHCARE	G6674U108	1,712	100	SH		SOLE		100	0	0
PENTAIR PLC	INDUSTRIALS	G7S00T104	23,001	300	SH		SOLE		300	0	0
SMART GLOBAL HOLDINGS INC.	FOREIGN EQUITIES	G8232Y101	7,772	340	SH		SOLE		340	0	0
VINCI PARTNERS INVESTMENTS LTD. - CLASS A	FINANCIALS	G9451V109	9,319	855	SH		SOLE		855	0	0
CHUBB LTD	FINANCIALS	H1467J104	2,805	11	SH		SOLE		11	0	0
FIVERR INTERNATIONAL LTD.	FOREIGN EQUITIES	M4R82T106	6,326	270	SH		SOLE		270	0	0
JFROG LTD	FOREIGN EQUITIES	M6191J100	12,951	345	SH		SOLE		345	0	0
WIX.COM LTD	INFORMATION TECHNOLOGY	M98068105	20,360	128	SH		SOLE		128	0	0
ASML HOLDING N V N Y REGISTRY SHS	FOREIGN EQUITIES	N07059210	67,498	66	SH		SOLE		66	0	0
FLEXTRONICS INTL	INFORMATION TECHNOLOGY	Y2573F102	44,220	1,500	SH		SOLE		1,500	0	0
ADMA BIOLOGICS INC COM	HEALTHCARE	000899104	6,540	585	SH		SOLE		585	0	0
ABM INDUSTRIES INCORPORATED COMMON STOCK	INDUSTRIALS	000957100	35,392	700	SH		SOLE		700	0	0
AT&T INC.	COMMUNICATION SERVICES	00206R102	561,545	29,386	SH		SOLE		29,386	0	0
AT&T INC.	COMMUNICATION SERVICES	00206R102	110,262	5,770	SH		DFND		4,710	1,060	0
ARK AUTONOMOUS TECHNOLOGY & ROBOTICS ETF	INFORMATION TECHNOLOGY	00214Q203	1,542	28	SH		SOLE		28	0	0
ABBOTT LABS	HEALTHCARE	002824100	769,328	7,404	SH		SOLE		7,004	400	0
ABBOTT LABS	HEALTHCARE	002824100	125,211	1,205	SH		DFND		0	1,205	0
ABBVIE INC.	HEALTHCARE	00287Y109	2,328,175	13,574	SH		SOLE		13,096	478	0
ABBVIE INC.	HEALTHCARE	00287Y109	405,644	2,365	SH		DFND		1,250	1,115	0
ADOBE INC	INFORMATION TECHNOLOGY	00724F101	596,066	1,073	SH		SOLE		1,065	0	8
AECOM TECHNOLOGY CORP	INFORMATION TECHNOLOGY	00766T100	1,410	16	SH		SOLE		16	0	0
ADVANCED MICRO DEVICES INC	INFORMATION TECHNOLOGY	007903107	967,564	5,965	SH		SOLE		5,965	0	0
ADVANCED MICRO DEVICES INC	INFORMATION TECHNOLOGY	007903107	16,221	100	SH		DFND		0	0	100
INVESCO INTERNATIONAL GROWTH FUND	MUTUAL FUND	008882532	1,670	71	SH		SOLE		71	0	0
AIR PRODUCTS & CHEMICALS INC	MATERIALS	009158106	260,359	1,009	SH		SOLE		1,009	0	0
ALBANY INTERNATIONAL CORPORATION COMMON STOCK	INDUSTRIALS	012348108	84,450	1,000	SH		SOLE		1,000	0	0
ALIGN TECHNOLOGY INC.	HEALTHCARE	016255101	2,414	10	SH		SOLE		10	0	0
ALLSTATE CORP	FINANCIALS	020002101	95,796	600	SH		SOLE		300	300	0
ALTRIA GROUP, INC.	CONSUMER STAPLES	02209S103	163,025	3,580	SH		SOLE		3,580	0	0
AMAZON. COM, INC	CONSUMER DISCRETIONARY	023135106	7,081,432	36,644	SH		SOLE		36,444	200	0
AMAZON. COM, INC	CONSUMER DISCRETIONARY	023135106	38,650	200	SH		DFND		200	0	0
AMERICAN ELEC PWR INC	UTILITIES	025537101	54,836	625	SH		SOLE		625	0	0
AMERICAN EXPRESS	FINANCIALS	025816109	467,945	2,021	SH		SOLE		1,984	0	37
AMERICAN EXPRESS	FINANCIALS	025816109	32,880	142	SH		DFND		0	142	0
AMERICAN STATES WATER COMPANY COMMON STOCK	UTILITIES	029899101	145,120	2,000	SH		SOLE		2,000	0	0
AMERICAN TOWER CORPORATION	COMMUNICATION SERVICES	03027X100	540,350	2,780	SH		SOLE		2,780	0	0
AMERIPRISE FINANCIAL INC.	FINANCIALS	03076C106	33,747	79	SH		SOLE		79	0	0
AMGEN INCORPORATED	HEALTHCARE	031162100	742,021	2,375	SH		SOLE		2,375	0	0
AMGEN INCORPORATED	HEALTHCARE	031162100	151,220	484	SH		DFND		484	0	0
AMKOR TECHNOLOGY INC	INFORMATION TECHNOLOGY	031652100	6,003	150	SH		SOLE		150	0	0
APPIAN CORPORATION	INFORMATION TECHNOLOGY	03782L101	8,640	280	SH		SOLE		280	0	0
APPLE INC	INFORMATION TECHNOLOGY	037833100	14,754,282	70,052	SH		SOLE		68,572	1,400	80
APPLE INC	INFORMATION TECHNOLOGY	037833100	572,885	2,720	SH		DFND		2,560	160	0
APPLE HOSPITALTIY REIT INC COMMON SHARES	REAL ESTATE	03784Y200	2,340	161	SH		SOLE		161	0	0
APPLIED MATL INC	INFORMATION TECHNOLOGY	038222105	1,953,266	8,277	SH		SOLE		8,277	0	0
APTARGROUP INC. COMMON STOCK	INDUSTRIALS	038336103	70,405	500	SH		SOLE		500	0	0
ARISTA NETWORKS INC.	INFORMATION TECHNOLOGY	040413106	84,112	240	SH		SOLE		240	0	0
ARM HOLDINGS PLC SPONSORED ADS	INFORMATION TECHNOLOGY	042068205	16,362	100	SH		SOLE		100	0	0
ARROW FINANCIAL CORPORATION	FINANCIALS	042744102	548,763	21,074	SH		SOLE		21,074	0	0
ASTRAZENECA PLC - ADR	HEALTHCARE	046353108	60,675	778	SH		SOLE		778	0	0
AUTODESK INC.	INFORMATION TECHNOLOGY	052769106	12,372	50	SH		SOLE		50	0	0
AUTOMATIC DATA PROCESSING INC	INFORMATION TECHNOLOGY	053015103	768,094	3,218	SH		SOLE		2,918	300	0
AUTOMATIC DATA PROCESSING INC	INFORMATION TECHNOLOGY	053015103	191,906	804	SH		DFND		0	804	0
AVERY DENNISON CORP	MATERIALS	053611109	65,595	300	SH		SOLE		300	0	0
AXON ENTERPRISE INC COM	INDUSTRIALS	05464C101	73,557	250	SH		SOLE		250	0	0
BP P.L.C.	ENERGY	055622104	77,949	2,160	SH		SOLE		2,160	0	0
BP PRUDHOE BAY ROYALTY TRUST	ENERGY	055630107	247	100	SH		SOLE		100	0	0
BM TECHNOLOGIES INC.	INDUSTRIALS	05591L107	1,980	880	SH		SOLE		880	0	0
BAIDU INC - SPON ADR	INFORMATION TECHNOLOGY	056752108	1,037	12	SH		SOLE		12	0	0
BANDWIDTH INC	INFORMATION TECHNOLOGY	05988J103	2,193	130	SH		SOLE		130	0	0
BANK OF AMERICA CORP	FINANCIALS	060505104	812,801	20,438	SH		SOLE		20,438	0	0
BANK OF HAWAII CORPORATION COMMON STOCK	FINANCIALS	062540109	17,160	300	SH		SOLE		300	0	0
BANK OF NEW YORK MELLON CORP	FINANCIALS	064058100	37,243	622	SH		SOLE		622	0	0
BAOUZUN INC-SPN ADR	FOREIGN EQUITIES	06684L103	174	75	SH		SOLE		75	0	0
BARRICK GOLD CORP	MATERIALS	067901108	2,251	135	SH		SOLE		135	0	0
BAXTER INTERNATIONAL INC.	HEALTHCARE	071813109	33,450	1,000	SH		SOLE		1,000	0	0
BECTON DICKINSON & CO	HEALTHCARE	075887109	281,144	1,203	SH		SOLE		968	235	0
BERKSHIRE HATHAWAY INC. DEL CLASS B	FINANCIALS	084670702	3,709,060	9,118	SH		SOLE		9,118	0	0
BERKSHIRE HATHAWAY INC. DEL CLASS B	FINANCIALS	084670702	15,051	37	SH		DFND		0	37	0
BEST BUY	CONSUMER DISCRETIONARY	086516101	27,394	325	SH		SOLE		325	0	0
BIOGEN INC	HEALTHCARE	09062X103	18,545	80	SH		SOLE		80	0	0
BIOVENTUS INC COM CL A	HEALTHCARE	09075A108	3,921	682	SH		SOLE		682	0	0
BLACKROCK INC	FINANCIALS	09247X101	1,026,640	1,304	SH		SOLE		1,304	0	0
BLACKROCK INC	FINANCIALS	09247X101	11,809	15	SH		DFND		0	15	0
BLOOM ENERGY CORP COM CL A	ENERGY	093712107	2,448	200	SH		SOLE		200	0	0
BOEING	INDUSTRIALS	097023105	258,817	1,422	SH		SOLE		1,422	0	0
BOEING	INDUSTRIALS	097023105	81,904	450	SH		DFND		50	400	0
BOSTON SCIENTIFIC CORP	HEALTHCARE	101137107	61,376	797	SH		SOLE		797	0	0
BRISTOL MYERS SQUIBB CO	HEALTHCARE	110122108	975,724	23,501	SH		SOLE		21,501	2,000	0
BRISTOL MYERS SQUIBB CO	HEALTHCARE	110122108	168,777	4,065	SH		DFND		3,000	1,065	0
C3.AI INC	INFORMATION TECHNOLOGY	12468P104	1,447	50	SH		SOLE		50	0	0
CBOE GLOBAL MARKETS, INC.	FINANCIALS	12503M108	17,006	100	SH		SOLE		100	0	0
CME GROUP INC.	FINANCIALS	12572Q105	4,521	23	SH		SOLE		23	0	0
CRA INTERNATIONAL INC.	INDUSTRIALS	12618T105	18,083	105	SH		SOLE		105	0	0
CSX CORPORATION	INDUSTRIALS	126408103	793,665	23,727	SH		SOLE		23,727	0	0
CSX CORPORATION	INDUSTRIALS	126408103	120,420	3,600	SH		DFND		3,600	0	0
CNX RESOURCES COPRORATION COMMON STOCK	ENERGY	12653C108	58,296	2,400	SH		SOLE		2,400	0	0
CVS HEALTH CORP	CONSUMER STAPLES	126650100	713,063	12,074	SH		SOLE		12,074	0	0
COTERRA ENERGY INC	ENERGY	127097103	26,660	1,000	SH		SOLE		1,000	0	0
CANADIAN IMPERIAL BANK OF COMMERCE	FINANCIALS	136069101	7,131	150	SH		SOLE		150	0	0
CANADIAN NATIONAL RAILWAY CO	FOREIGN EQUITIES	136375102	4,725	40	SH		SOLE		40	0	0
CANADIAN NATURAL RESOURCES	ENERGY	136385101	14,591	410	SH		SOLE		410	0	0
CANADIAN SOLAR INC COM	ENERGY	136635109	22,125	1,500	SH		SOLE		1,500	0	0
CAPITAL ONE FINANCIAL CORP	FINANCIALS	14040H105	54,962	397	SH		SOLE		397	0	0
CARGURUS INC COM CL A	CONSUMER DISCRETIONARY	141788109	26,200	1,000	SH		SOLE		1,000	0	0
CARRIER GLOBAL CORPORATION	INDUSTRIALS	14448C104	217,179	3,443	SH		SOLE		2,743	700	0
CARRIER GLOBAL CORPORATION	INDUSTRIALS	14448C104	65,286	1,035	SH		DFND		655	380	0
CASEY'S GENERAL STORES INC	CONSUMER DISCRETIONARY	147528103	103,018	270	SH		SOLE		270	0	0
CATERPILLAR INC	INDUSTRIALS	149123101	2,454,157	7,368	SH		SOLE		7,273	70	25
CATERPILLAR INC	INDUSTRIALS	149123101	489,638	1,470	SH		DFND		1,025	445	0
CENTERPOINT ENERGY, INC	UTILITIES	15189T107	34,067	1,100	SH		SOLE		1,100	0	0
CENTERPOINT ENERGY, INC	UTILITIES	15189T107	123,880	4,000	SH		DFND		4,000	0	0
CENTESSA PHARMACEUTICALS PLC	HEALTHCARE	152309100	8,352	925	SH		SOLE		925	0	0
CHARTER COMMUNICATIONS,INC-A	COMMUNICATION SERVICES	16119P108	5,082	17	SH		SOLE		17	0	0
CHEGG INC COM	CONSUMER DISCRETIONARY	163092109	790	250	SH		SOLE		250	0	0
CHESAPEAKE ENERGY CORPORATION	ENERGY	165167735	41,095	500	SH		SOLE		500	0	0
CHEVRON CORPORATION	ENERGY	166764100	2,115,375	13,524	SH		SOLE		13,141	383	0
CHEVRON CORPORATION	ENERGY	166764100	311,430	1,991	SH		DFND		1,486	505	0
CHEWY INC.	CONSUMER DISCRETIONARY	16679L109	680	25	SH		SOLE		25	0	0
CISCO SYSTEMS INC.	INFORMATION TECHNOLOGY	17275R102	1,550,426	32,641	SH		SOLE		32,076	500	65
CISCO SYSTEMS INC.	INFORMATION TECHNOLOGY	17275R102	61,987	1,305	SH		DFND		30	1,275	0
CIRRUS LOGIC INC	INFORMATION TECHNOLOGY	172755100	12,766	100	SH		SOLE		100	0	0
CITIGROUP INC.	FINANCIALS	172967424	475,597	7,496	SH		SOLE		7,496	0	0
CITIGROUP INC.	FINANCIALS	172967424	82,802	1,305	SH		DFND		1,305	0	0
CLEARPOINT NEURO INC.	HEALTHCARE	18507C103	4,743	880	SH		SOLE		880	0	0
CLOROX COMPANY	CONSUMER STAPLES	189054109	57,999	425	SH		SOLE		425	0	0
CLOROX COMPANY	CONSUMER STAPLES	189054109	27,294	200	SH		DFND		0	200	0
COCA COLA CO	CONSUMER STAPLES	191216100	1,744,925	27,415	SH		SOLE		24,945	2,470	0
COCA COLA CO	CONSUMER STAPLES	191216100	262,236	4,120	SH		DFND		3,430	690	0
COGNIZANT TECHNOLOGY SOLUTIONS CORP	INFORMATION TECHNOLOGY	192446102	6,800	100	SH		SOLE		100	0	0
COLGATE PALMOLIVE	CONSUMER STAPLES	194162103	1,173,100	12,089	SH		SOLE		12,054	0	35
COLGATE PALMOLIVE	CONSUMER STAPLES	194162103	154,680	1,594	SH		DFND		1,374	220	0
COMCAST CORP NEW CL A	CONSUMER DISCRETIONARY	20030N101	292,161	7,463	SH		SOLE		7,463	0	0
COMMERCE BANCSHARES INC	FINANCIALS	200525103	58,557	1,050	SH		SOLE		1,050	0	0
COMMERCIAL METALS COMPANY COMMON STOCK	MATERIALS	201723103	175,968	3,200	SH		SOLE		3,200	0	0
COMPASS PATHWAYS PLC	HEALTHCARE	20451W101	3,050	505	SH		SOLE		505	0	0
CONFLUENT INC. CLASS A COMMON STOCK	INFORMATION TECHNOLOGY	20717M103	3,630	123	SH		SOLE		123	0	0
CONOCOPHILLIPS	ENERGY	20825C104	338,669	2,961	SH		SOLE		2,961	0	0
CONOCOPHILLIPS	ENERGY	20825C104	2,287	20	SH		DFND		20	0	0
CONSOLIDATED EDISON INC	UTILITIES	209115104	27,183	304	SH		SOLE		304	0	0
CORNERSTONE STRATEGIC VALUE FUND INC.	FINANCIALS	21924B302	2,926	380	SH		SOLE		380	0	0
CORNING INC	INFORMATION TECHNOLOGY	219350105	454,233	11,695	SH		SOLE		11,695	0	0
COSTCO WHSL CORP NEW	CONSUMER STAPLES	22160K105	1,372,680	1,615	SH		SOLE		1,615	0	0
CUBESMART COM	REAL ESTATE	229663109	5,238	116	SH		SOLE		116	0	0
CUMMINS INC	INDUSTRIALS	231021106	182,764	660	SH		SOLE		660	0	0
CUMMINS INC	INDUSTRIALS	231021106	30,461	110	SH		DFND		110	0	0
DNP SELECT INCOME FUND INC	FIXED INCOME	23325P104	12,330	1,500	SH		SOLE		1,500	0	0
D R HORTON INC	CONSUMER DISCRETIONARY	23331A109	37,346	265	SH		SOLE		265	0	0
DTE ENERGY CO	UTILITIES	233331107	34,965	315	SH		SOLE		315	0	0
DTE ENERGY CO	UTILITIES	233331107	77,151	695	SH		DFND		695	0	0
DANAHER CORP	HEALTHCARE	235851102	906,937	3,630	SH		SOLE		3,630	0	0
DANAHER CORP	HEALTHCARE	235851102	145,161	581	SH		DFND		500	81	0
DARLING INGREDIENTS INC. COMMON STOCK	CONSUMER STAPLES	237266101	224,175	6,100	SH		SOLE		6,100	0	0
DATADOG INC CLASS A	INFORMATION TECHNOLOGY	23804L103	58,230	449	SH		SOLE		449	0	0
DAVITA INC.	HEALTHCARE	23918K108	10,392	75	SH		SOLE		75	0	0
DEERE & CO (JOHN DEERE)	INDUSTRIALS	244199105	547,360	1,465	SH		SOLE		1,255	210	0
DELTA AIR LINES INC	CONSUMER DISCRETIONARY	247361702	21,580	455	SH		SOLE		455	0	0
DEVON ENERGY CORPORATION NEW	ENERGY	25179M103	129,296	2,728	SH		SOLE		2,728	0	0
DIAGEO PLC	CONSUMER DISCRETIONARY	25243Q205	14,751	117	SH		SOLE		117	0	0
DIAMONDBACK ENERGY INC.	ENERGY	25278X109	24,022	120	SH		SOLE		120	0	0
DIGITAL REALTY TRUST INC.	REAL ESTATE	253868103	17,940	118	SH		SOLE		118	0	0
TRUMP MEDIA & TECHNOLOGY GROCOM	FINANCIALS	25400Q105	3,275	100	SH		SOLE		100	0	0
DISNEY (WALT) COMPANY HOLDING CO	CONSUMER DISCRETIONARY	254687106	1,091,945	10,998	SH		SOLE		10,973	0	25
DISNEY (WALT) COMPANY HOLDING CO	CONSUMER DISCRETIONARY	254687106	129,869	1,308	SH		DFND		220	1,088	0
DISCOVER FINANCIAL SERVICES	FINANCIALS	254709108	57,556	440	SH		SOLE		440	0	0
DOCEBO INC.	INFORMATION TECHNOLOGY	25609L105	5,215	135	SH		SOLE		135	0	0
DOCUSIGN INC	INFORMATION TECHNOLOGY	256163106	12,572	235	SH		SOLE		235	0	0
DOLLAR TREE, INC.	CONSUMER DISCRETIONARY	256746108	21,354	200	SH		SOLE		200	0	0
DOMINION ENERGY, INC.	UTILITIES	25746U109	205,212	4,188	SH		SOLE		4,188	0	0
DOMINION ENERGY, INC.	UTILITIES	25746U109	51,940	1,060	SH		DFND		1,060	0	0
DOMINO'S PIZZA INC	CONSUMER DISCRETIONARY	25754A201	2,581	5	SH		SOLE		5	0	0
DONALDSON COMPANY INC	CONSUMER DISCRETIONARY	257651109	6,511	91	SH		SOLE		91	0	0
DOW INC.	MATERIALS	260557103	321,559	6,063	SH		SOLE		5,551	512	0
DOW INC.	MATERIALS	260557103	75,316	1,420	SH		DFND		1,420	0	0
DREAM FINDERS HOMES INC. - CLASS A	CONSUMER DISCRETIONARY	26154D100	15,873	615	SH		SOLE		615	0	0
DUKE ENERGY CORPORATION NEW	ENERGY	26441C204	383,351	3,825	SH		SOLE		3,825	0	0
DUKE ENERGY CORPORATION NEW	ENERGY	26441C204	80,384	802	SH		DFND		802	0	0
EOG RESOURCES INC	ENERGY	26875P101	14,474	115	SH		SOLE		115	0	0
EBAY INC	CONSUMER DISCRETIONARY	278642103	11,119	207	SH		SOLE		207	0	0
ECOLAB INC.	MATERIALS	278865100	17,850	75	SH		SOLE		75	0	0
ELECTRONIC ARTS INC	INFORMATION TECHNOLOGY	285512109	2,786	20	SH		SOLE		20	0	0
EMCOR GROUP INC. COMMON STOCK	INDUSTRIALS	29084Q100	146,028	400	SH		SOLE		400	0	0
EMERSON ELECTRIC	INDUSTRIALS	291011104	373,658	3,392	SH		SOLE		2,192	1,200	0
EMERSON ELECTRIC	INDUSTRIALS	291011104	175,154	1,590	SH		DFND		0	1,590	0
ENBRIDGE INC	ENERGY	29250N105	81,674	2,295	SH		SOLE		2,295	0	0
ENERGY TRANSFER LP COM UT LTD PTN	ENERGY	29273V100	47,009	2,900	SH		SOLE		2,900	0	0
ENTERGY CORPORATION	UTILITIES	29364G103	6,313	59	SH		SOLE		59	0	0
ENTERGY CORPORATION	UTILITIES	29364G103	85,600	800	SH		DFND		800	0	0
ENTERPRISE PRODUCTS PARTNERS L.P.	ENERGY	293792107	203,108	7,011	SH		SOLE		7,011	0	0
EQUITY RESIDENTIAL SHARES OF BENEFICIAL INT	FINANCIALS	29476L107	3,467	50	SH		SOLE		50	0	0
ESPEY MFG. & ELECTRONICS CORP	INDUSTRIALS	296650104	48,448	2,280	SH		SOLE		2,280	0	0
ESPEY MFG. & ELECTRONICS CORP	INDUSTRIALS	296650104	4,250	200	SH		DFND		100	0	100
ETSY INC	CONSUMER DISCRETIONARY	29786A106	9,730	165	SH		SOLE		165	0	0
EXACT SCIENCES CORP COM	HEALTHCARE	30063P105	9,506	225	SH		SOLE		225	0	0
EXCHANGE TRADED CONCEPTS TRUROBO GLB ETF	EXCHANGE TRADED FUND - EQUITY	301505707	49,581	900	SH		SOLE		900	0	0
EXELON CORP	UTILITIES	30161N101	68,142	1,969	SH		SOLE		1,694	275	0
EXELON CORP	UTILITIES	30161N101	37,724	1,090	SH		DFND		1,090	0	0
EXXON MOBIL CORP	ENERGY	30231G102	2,295,683	19,942	SH		SOLE		15,137	4,805	0
EXXON MOBIL CORP	ENERGY	30231G102	578,933	5,029	SH		DFND		2,217	2,812	0
F.N.B. CORPORATION	FINANCIALS	302520101	7,524	550	SH		SOLE		550	0	0
META PLATFORMS INC	INFORMATION TECHNOLOGY	30303M102	2,612,789	5,182	SH		SOLE		5,182	0	0
META PLATFORMS INC	INFORMATION TECHNOLOGY	30303M102	35,294	70	SH		DFND		70	0	0
FAIR ISAAC CORPORATION	INFORMATION TECHNOLOGY	303250104	22,329	15	SH		SOLE		15	0	0
FASTLY INC CLASS A	INFORMATION TECHNOLOGY	31188V100	2,284	310	SH		SOLE		310	0	0
FATHOM HOLDINGS INC.	REAL ESTATE	31189V109	395	230	SH		SOLE		230	0	0
FEDEX CORPORATION	INDUSTRIALS	31428X106	224,556	749	SH		SOLE		749	0	0
FEDEX CORPORATION	INDUSTRIALS	31428X106	37,478	125	SH		DFND		125	0	0
FIDELITY MSCI INFORMATION TECHNOLOGY INDEX ETF	INFORMATION TECHNOLOGY	316092808	511,129	2,980	SH		SOLE		2,980	0	0
FIDELITY NATIONAL FINANCIAL INC. COM	FINANCIALS	31620R303	19,764	400	SH		SOLE		400	0	0
FIFTH THIRD BANCORP	FINANCIALS	316773100	24,624	675	SH		SOLE		675	0	0
1STDIBS.COM INC	INFORMATION TECHNOLOGY	320551104	4,287	955	SH		SOLE		955	0	0
FIRST TRUST NASDAQ CLEAN EDGE GREEN ENERGY ETF	ENERGY	33733E500	36,822	1,083	SH		SOLE		1,083	0	0
FIRST TR EXCHANGE-TRADED FD NASDQ ARTFCIAL	EXCHANGE TRADED FUND - EQUITY	33738R720	48,691	1,150	SH		SOLE		1,150	0	0
FT CBOE VEST S&P 500 DIV ARISTOCRATS TARGET I	EXCHANGE TRADED FUND - EQUITY	33739Q705	16,166	320	SH		SOLE		320	0	0
FIRSTENERGY CORP	UTILITIES	337932107	2,104	55	SH		SOLE		55	0	0
FORD MOTOR CO DEL	CONSUMER DISCRETIONARY	345370860	41,382	3,300	SH		SOLE		3,300	0	0
FORTINET INC. COMMON STOCK	INFORMATION TECHNOLOGY	34959E109	3,013	50	SH		SOLE		50	0	0
FORTIVE CORPORATION	INFORMATION TECHNOLOGY	34959J108	7,410	100	SH		DFND		100	0	0
FRANKLIN FTSE INDIA ETF	Exchange Traded Funds - Equity	35473P769	11,081	278	SH		SOLE		278	0	0
FREEPORT-MCMORAN COPPER & GOLD CLASS B	MATERIALS	35671D857	27,696	570	SH		SOLE		570	0	0
FRESHPET INC	CONSUMER STAPLES	358039105	9,704	75	SH		SOLE		75	0	0
FULGENT GENETICS INC.	HEALTHCARE	359664109	16,863	860	SH		SOLE		860	0	0
GATX CORPORATION	INDUSTRIALS	361448103	52,944	400	SH		SOLE		400	0	0
GE HEALTHCARE TECHNOLOGIES, INC.	HEALTHCARE	36266G107	85,395	1,096	SH		SOLE		734	362	0
GE HEALTHCARE TECHNOLOGIES, INC.	HEALTHCARE	36266G107	311	4	SH		DFND		0	0	4
GAMESTOP CORP NEW CL A	CONSUMER DISCRETIONARY	36467W109	296	12	SH		SOLE		12	0	0
GE VERNOVA INC COM	INDUSTRIALS	36828A101	169,786	990	SH		SOLE		719	271	0
GE VERNOVA INC COM	INDUSTRIALS	36828A101	514	3	SH		DFND		0	0	3
GENERAL DYNAMICS CORPORATION	INDUSTRIALS	369550108	857,019	2,954	SH		SOLE		2,954	0	0
GENERAL DYNAMICS CORPORATION	INDUSTRIALS	369550108	18,858	65	SH		DFND		65	0	0
GENERAL MILLS, INC	CONSUMER STAPLES	370334104	73,001	1,154	SH		SOLE		554	600	0
GENERAL MILLS, INC	CONSUMER STAPLES	370334104	88,564	1,400	SH		DFND		1,400	0	0
GILEAD SCIENCES, INC.	HEALTHCARE	375558103	146,131	2,130	SH		SOLE		2,130	0	0
GINGKO BIOWORKS HOLDINGS INC	MATERIALS	37611X100	573	1,739	SH		SOLE		1,739	0	0
GLADSTONE LAND CORPORATION	REAL ESTATE	376549101	4,107	300	SH		SOLE		300	0	0
GLOBAL X AUTONOMOUS & ELECTRIC VEHICLE ETF	EXCHANGE TRADED FUND - EQUITY	37954Y624	29,584	1,260	SH		SOLE		1,260	0	0
GLOBAL X ARTIFICIAL INTEL & TECH EFT	EXCHANGE TRADED FUND - EQUITY	37954Y632	227,918	6,397	SH		SOLE		6,397	0	0
GOLDMAN SACHS GROUP INC	FINANCIALS	38141G104	9,046	20	SH		SOLE		20	0	0
W.W. GRAINGER	INDUSTRIALS	384802104	83,907	93	SH		SOLE		93	0	0
GUARDANT HEALTH INC.	HEALTHCARE	40131M109	3,321	115	SH		SOLE		115	0	0
HARLEY DAVIDSON	CONSUMER DISCRETIONARY	412822108	5,533	165	SH		SOLE		165	0	0
THE HERSHEY COMPANY	CONSUMER STAPLES	427866108	91,363	497	SH		SOLE		497	0	0
HOME DEPOT INC	CONSUMER DISCRETIONARY	437076102	3,069,789	8,918	SH		SOLE		7,913	1,005	0
HOME DEPOT INC	CONSUMER DISCRETIONARY	437076102	357,999	1,040	SH		DFND		400	640	0
HONEYWELL INTERNATIONAL INC	INDUSTRIALS	438516106	765,306	3,584	SH		SOLE		3,584	0	0
HUB GROUP INC	INDUSTRIALS	443320106	43,040	1,000	SH		SOLE		1,000	0	0
HUBSPOT INC.	INFORMATION TECHNOLOGY	443573100	94,364	160	SH		SOLE		160	0	0
ILLINOIS TOOL WORKS INC.	INDUSTRIALS	452308109	238,848	1,008	SH		SOLE		1,008	0	0
IMMUNITYBIO INC.	HEALTHCARE	45256X103	2,844	450	SH		SOLE		450	0	0
INTEL CORP	INFORMATION TECHNOLOGY	458140100	1,371,970	44,316	SH		SOLE		41,850	2,401	65
INTEL CORP	INFORMATION TECHNOLOGY	458140100	243,684	7,871	SH		DFND		5,649	2,222	0
CORECARD CORPORATION	INFORMATION TECHNOLOGY	45816D100	3,866	265	SH		SOLE		265	0	0
INTERACTIVE BROKERS GRO-CL A	FINANCIALS	45841N107	30,650	250	SH		SOLE		250	0	0
INTL BUSINESS MACHINES	INFORMATION TECHNOLOGY	459200101	1,184,690	6,850	SH		SOLE		6,850	0	0
INTL BUSINESS MACHINES	INFORMATION TECHNOLOGY	459200101	289,690	1,675	SH		DFND		753	922	0
INTERNATIONAL PAPER CO	MATERIALS	460146103	13,807	320	SH		SOLE		285	0	35
INTUITIVE SURGICAL INC	HEALTHCARE	46120E602	22,686	51	SH		SOLE		51	0	0
INTUIT INC	INFORMATION TECHNOLOGY	461202103	12,486	19	SH		SOLE		19	0	0
INTUITIVE MACHINES INC CLASS A COM	INDUSTRIALS	46125A100	1,217	370	SH		SOLE		370	0	0
INVESCO AEROSPACE & DEFENSE EFT	EXCHANGE TRADED FUND - EQUITY	46137V100	24,139	235	SH		SOLE		235	0	0
INVESCO PREFERRED ETF	EXCHANGE TRADED FUND-FIXED INC	46138E511	13,282	1,150	SH		SOLE		1,150	0	0
INVESCO GLOBAL WATER ETF	EXCHANGE TRADED FUND - EQUITY	46138E651	60,600	1,500	SH		SOLE		1,500	0	0
INVESCO EXCH TRADED FD TR IISOLAR ETF	ENERGY	46138G706	3,819	95	SH		SOLE		95	0	0
INVITAE CORP COM	HEALTHCARE	46185L103	125	125	SH		SOLE		125	0	0
IQIYI, INC. - ADR	INFORMATION TECHNOLOGY	46267X108	367	100	SH		SOLE		100	0	0
IROBOT CORPORATION	INDUSTRIALS	462726100	273	30	SH		SOLE		30	0	0
ETF ISHARES SILVER TR	MUTUAL FUND	46428Q109	101,193	3,810	SH		SOLE		3,810	0	0
ISHARES MSCI AUSTRALIA ETF	MUTUAL FUND	464286103	7,328	300	SH		DFND		300	0	0
ISHARES MSCI CANADA ETF	MUTUAL FUND	464286509	9,272	250	SH		DFND		250	0	0
ISHARES MSCI SOUTH KOREA CAPPED ETF	EXCHANGE TRADED FUND - EQUITY	464286772	43,416	657	SH		SOLE		657	0	0
ISHARES S & P 100 ETF	MUTUAL FUND	464287101	1,482,663	5,610	SH		SOLE		5,610	0	0
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF	EXCHANGE TRADED FUND - EQUITY	464287150	155,839	1,312	SH		SOLE		1,312	0	0
ISHARES SELECT DIVIDEND ETF	EXCHANGE TRADED FUND - EQUITY	464287168	157,273	1,300	SH		SOLE		1,300	0	0
ISHARES TIPS BOND ETF	EXCHANGE TRADED FUND-FIXED INC	464287176	3,703,637	34,685	SH		SOLE		34,290	0	395
ISHARES TIPS BOND ETF	EXCHANGE TRADED FUND-FIXED INC	464287176	423,595	3,967	SH		DFND		3,660	307	0
ISHARES CORE S&P 500 ETF	EXCHANGE TRADED FUND - EQUITY	464287200	66,213	121	SH		SOLE		121	0	0
ISHARES CORE TOTAL US AGGREGATE BOND ETF-W	EXCHANGE TRADED FUND-FIXED INC	46428722W	121,433	1,251	SH		SOLE		1,251	0	0
ISHARES CORE TOTAL US AGGREGATE BOND ETF	EXCHANGE TRADED FUND-FIXED INC	464287226	3,403,360	35,061	SH		SOLE		35,061	0	0
ISHARES MSCI EMERGING MARKETS ETF	EXCHANGE TRADED FUND - EQUITY	464287234	14,480	340	SH		SOLE		340	0	0
ISHARES IBOXX $INVESTMENT BOND FD	FIXED INCOME	464287242	76,483	714	SH		SOLE		714	0	0
ISHARES S&P 500 GROWTH ETF	Exchange Traded Funds - Equity	464287309	43,401	469	SH		SOLE		469	0	0
ISHARES MSCI EAFE ETF FUND	EXCHANGE TRADED FUND - EQUITY	464287465	885,732	11,308	SH		SOLE		11,308	0	0
ISHARES MSCI EAFE ETF FUND	EXCHANGE TRADED FUND - EQUITY	464287465	15,666	200	SH		DFND		0	200	0
ISHARES RUSSELL MIDCAP GROWTH INDEX FUND	EXCHANGE TRADED FUND - EQUITY	464287481	32,663	296	SH		SOLE		296	0	0
ISHARES RUSSELL MIDCAP ETF	EXCHANGE TRADED FUND - EQUITY	464287499	289,372	3,569	SH		SOLE		3,569	0	0
ISHARES CORE S&P MID CAP ETF	EXCHANGE TRADED FUND - EQUITY	464287507	593,507	10,142	SH		SOLE		10,142	0	0
ISHARES CORE S&P MID CAP ETF	EXCHANGE TRADED FUND - EQUITY	464287507	43,890	750	SH		DFND		0	750	0
ISHARES RUSSELL 1000 VALUE INDEX FUND	EXCHANGE TRADED FUND - EQUITY	464287598	683,396	3,917	SH		SOLE		3,917	0	0
ISHARES S&P M-D-CAP 400 GROWTH ETF	Exchange Traded Funds - Equity	464287606	9,868	112	SH		SOLE		112	0	0
ISHARES RUSSELL 1000 GROWTH ETF	EXCHANGE TRADED FUND - EQUITY	464287614	2,505,263	6,873	SH		SOLE		6,873	0	0
ISHARES RUSSELL 2000 GROWTH ETF	EXCHANGE TRADED FUND - EQUITY	464287648	381,965	1,455	SH		SOLE		1,455	0	0
ISHARES RUSSELL 2000 ETF	EXCHANGE TRADED FUND - EQUITY	464287655	293,783	1,448	SH		SOLE		1,448	0	0
ISHARES U.S. TECHNOLOGY ETF	INFORMATION TECHNOLOGY	464287721	60,501	402	SH		SOLE		402	0	0
ISHARES CORE S&P SMALL-CAP ETF	EXCHANGE TRADED FUND - EQUITY	464287804	3,753,000	35,187	SH		SOLE		35,107	0	80
ISHARES CORE S&P SMALL-CAP ETF	EXCHANGE TRADED FUND - EQUITY	464287804	198,813	1,864	SH		DFND		540	1,324	0
ISHARES US CONSUMER STAPLES EFT	EXCHANGE TRADED FUND - EQUITY	464287812	267,853	4,074	SH		SOLE		4,074	0	0
ETF ISHARES GLOBAL CLEAN ENERGY	ENERGY	464288224	37,867	2,843	SH		SOLE		2,843	0	0
ISHARES MSCI KLD 400 SOCIAL	EXCHANGE TRADED FUND - EQUITY	464288570	71,656	690	SH		SOLE		690	0	0
ISHARES DOW JONES US HOME CONSTRUCTION INDEX	EXCHANGE TRADED FUND - EQUITY	464288752	52,146	516	SH		SOLE		516	0	0
ISHARES MSCI USA ESG SELECT	EXCHANGE TRADED FUND - EQUITY	464288802	246,650	2,195	SH		SOLE		2,195	0	0
ISHARES MSCI EAFE GROWTH ETF	EXCHANGE TRADED FUND - EQUITY	464288885	78,565	768	SH		SOLE		768	0	0
ISHARES US TREASURY BOND ETF	ETF's - Fixed Income	46429B267	76,320	3,383	SH		SOLE		3,383	0	0
ISHARES MSCI SINGAPORE ETF	EXCHANGE TRADED FUND - EQUITY	46434G780	5,066	264	SH		DFND		264	0	0
ISHARES IBONDS DEC 2025 CORP-ETF	EXCHANGE TRADED FUND-FIXED INC	46434VBD1	191,129	7,689	SH		SOLE		7,689	0	0
ISHARES IBONDS DEC 2024 CORP EFT	EXCHANGE TRADED FUND-FIXED INC	46434VBG4	181,407	7,222	SH		SOLE		7,222	0	0
ISHARES IBONDS DEC 2026 TERMCORPORATE ETF	EXCHANGE TRADED FUND-FIXED INC	46435GAA0	381,110	16,007	SH		SOLE		16,007	0	0
ISHARE HIGH YIELD BOND FACTOR EFT	EXCHANGE TRADED FUND-FIXED INC	46435G250	25,722	554	SH		SOLE		554	0	0
ISHARES IBONDS DEC 2027 CORPORATE ETF	EXCHANGE TRADED FUND-FIXED INC	46435UAA9	410,307	17,299	SH		SOLE		17,299	0	0
ISHARES IBONDS DEC 2028 TERM CORPORATE ETF	EXCHANGE TRADED FUND-FIXED INC	46435U515	436,517	17,624	SH		SOLE		17,624	0	0
ISHARES TR ROBOTICS ARTIF	EXCHANGE TRADED FUND - EQUITY	46435U556	49,770	1,500	SH		SOLE		1,500	0	0
ISHARES IBONDS DEC 2033 TERMCORPORATE ETF	EXCHANGE TRADED FUND-FIXED INC	46436E130	147,864	5,868	SH		SOLE		5,868	0	0
ISHARES IBONDS DEC 2029 TERM CORPORATE ETF	EXCHANGE TRADED FUND-FIXED INC	46436E205	463,603	20,460	SH		SOLE		20,460	0	0
ISHARES TRUST IBONDS DEC2032TERM CORP ETF	EXCHANGE TRADED FUND-FIXED INC	46436E312	214,727	8,747	SH		SOLE		7,737	0	1,010
ISHARES IBONDS DEC 2031 TERM CORPORATE ETF	EXCHANGE TRADED FUND-FIXED INC	46436E486	788,713	38,893	SH		SOLE		37,663	0	1,230
ISHARES IBONDS DEC 2030 TERM CORP-ETF	EXCHANGE TRADED FUND-FIXED INC	46436E726	457,576	21,534	SH		SOLE		21,534	0	0
ISHARES IBONDS DEC 2024 TERM TREASURY ETF	EXCHANGE TRADED FUND-FIXED INC	46436E874	17,209	718	SH		SOLE		718	0	0
ISSUER DIRECT CORPORATION	INFORMATION TECHNOLOGY	46520M204	2,508	320	SH		SOLE		320	0	0
JPMORGAN CHASE & CO COM	FINANCIALS	46625H100	4,394,442	21,727	SH		SOLE		20,737	965	25
JPMORGAN CHASE & CO COM	FINANCIALS	46625H100	197,201	975	SH		DFND		945	30	0
JD.COM INC.-ADR	CONSUMER DISCRETIONARY	47215P106	1,808	70	SH		SOLE		70	0	0
JOHNSON & JOHNSON	HEALTHCARE	478160104	3,179,058	21,751	SH		SOLE		20,613	1,108	30
JOHNSON & JOHNSON	HEALTHCARE	478160104	484,663	3,316	SH		DFND		1,385	1,931	0
KLA-TENCOR CORPORATION	INFORMATION TECHNOLOGY	482480100	8,245	10	SH		SOLE		10	0	0
KELLOGG COMPANY	CONSUMER STAPLES	487836108	73,080	1,267	SH		DFND		1,267	0	0
KIMBERLY CLARK	CONSUMER STAPLES	494368103	211,722	1,532	SH		SOLE		1,532	0	0
KIMBERLY CLARK	CONSUMER STAPLES	494368103	138,200	1,000	SH		DFND		1,000	0	0
KINDER MORGAN INC.	ENERGY	49456B101	25,043	1,261	SH		SOLE		1,261	0	0
KROGER COMPANY	CONSUMER STAPLES	501044101	1,597	32	SH		SOLE		32	0	0
L3HARRIS TECHNOLOGIES INC. COMMON STOCK	INDUSTRIALS	502431109	4,491	20	SH		SOLE		20	0	0
LAM RESEARCH CORP COMMON	HEALTHCARE	512807108	62,824	59	SH		SOLE		59	0	0
ESTEE LAUDER COMPANIES-CL A	CONSUMER STAPLES	518439104	5,745	54	SH		SOLE		54	0	0
LENNAR COPORATION CLASS A	CONSUMER DISCRETIONARY	526057104	73,436	490	SH		SOLE		490	0	0
LENNAR CORPORATION CLASS B	CONSUMER DISCRETIONARY	526057302	139	1	SH		SOLE		1	0	0
ELI LILLY & CO	HEALTHCARE	532457108	3,401,485	3,757	SH		SOLE		3,757	0	0
ELI LILLY & CO	HEALTHCARE	532457108	751,464	830	SH		DFND		750	80	0
LINCOLN ELECTRIC HOLDING INC	INDUSTRIALS	533900106	9,432	50	SH		SOLE		50	0	0
LINCOLN NATIONAL CORPORATION	FINANCIALS	534187109	31,090	1,000	SH		SOLE		1,000	0	0
LITTELFUSE INC	INFORMATION TECHNOLOGY	537008104	12,779	50	SH		SOLE		50	0	0
LOCKHEED MARTIN CORP	INDUSTRIALS	539830109	2,382,568	5,101	SH		SOLE		4,781	320	0
LOCKHEED MARTIN CORP	INDUSTRIALS	539830109	415,708	890	SH		DFND		890	0	0
LOWES COMPANIES INC	CONSUMER DISCRETIONARY	548661107	618,381	2,805	SH		SOLE		2,730	0	75
LOWES COMPANIES INC	CONSUMER DISCRETIONARY	548661107	52,910	240	SH		DFND		240	0	0
LULULEMON ATHLETICA INC	CONSUMER DISCRETIONARY	550021109	11,947	40	SH		SOLE		40	0	0
MDU RESOURCES GROUP INC	ENERGY	552690109	25,090	1,000	SH		SOLE		1,000	0	0
MGM MIRAGE	CONSUMER DISCRETIONARY	552953101	4,309	97	SH		SOLE		97	0	0
MPLX LP	ENERGY	55336V100	157,583	3,700	SH		SOLE		3,700	0	0
MANULIFE FINANCIAL	FINANCIALS	56501R106	3,565	134	SH		SOLE		134	0	0
MARATHON PETROLEUM CORPORATION	ENERGY	56585A102	220,319	1,270	SH		SOLE		1,270	0	0
MARKEL GROUP INC	FINANCIALS	570535104	18,907	12	SH		SOLE		12	0	0
MARRIOTT INTERNATIONAL INC. CLASS A	CONSUMER DISCRETIONARY	571903202	15,715	65	SH		SOLE		65	0	0
MARVELL TECHNOLOGY INC. COMMON STOCK	INFORMATION TECHNOLOGY	573874104	149,933	2,145	SH		SOLE		2,145	0	0
MASIMO CORPORATION	HEALTHCARE	574795100	1,511	12	SH		SOLE		12	0	0
MASTERCARD INC - CLASS A	INFORMATION TECHNOLOGY	57636Q104	285,859	648	SH		SOLE		583	65	0
MCCORMICK & CO.	CONSUMER STAPLES	579780206	113,504	1,600	SH		SOLE		200	1,400	0
MCDONALDS CORP	CONSUMER DISCRETIONARY	580135101	2,441,580	9,581	SH		SOLE		8,781	785	15
MCDONALDS CORP	CONSUMER DISCRETIONARY	580135101	626,140	2,457	SH		DFND		1,200	1,257	0
MCGRATH RENTCORP	CONSUMER DISCRETIONARY	580589109	53,275	500	SH		SOLE		500	0	0
MCKESSON CORPORATION	HEALTHCARE	58155Q103	207,329	355	SH		SOLE		355	0	0
MERCADOLIBRE INC	INFORMATION TECHNOLOGY	58733R102	24,651	15	SH		SOLE		15	0	0
MERCK & CO., INC	HEALTHCARE	58933Y105	1,139,191	9,202	SH		SOLE		8,902	300	0
MERCK & CO., INC	HEALTHCARE	58933Y105	233,363	1,885	SH		DFND		1,885	0	0
METLIFE INC	FINANCIALS	59156R108	1,080,754	15,398	SH		SOLE		15,368	0	30
METLIFE INC	FINANCIALS	59156R108	89,632	1,277	SH		DFND		1,277	0	0
MICROSOFT CORP	INFORMATION TECHNOLOGY	594918104	10,684,720	23,906	SH		SOLE		22,538	1,368	0
MICROSOFT CORP	INFORMATION TECHNOLOGY	594918104	238,671	534	SH		DFND		80	454	0
MID-AMERICA APARTMENT COMMUNITIES INC.	REAL ESTATE	59522J103	3,565	25	SH		SOLE		25	0	0
MIMEDX GROUP INC COM	HEALTHCARE	602496101	2,702	390	SH		SOLE		390	0	0
MITEK SYSTEMS INC.	INFORMATION TECHNOLOGY	606710200	10,062	900	SH		SOLE		900	0	0
MONDELEZ INTERNATIONAL INC	CONSUMER STAPLES	609207105	114,780	1,754	SH		SOLE		754	1,000	0
MONGODB, INC.	INFORMATION TECHNOLOGY	60937P106	21,996	88	SH		SOLE		88	0	0
MORGAN STANLEY	FINANCIALS	617446448	526,847	5,421	SH		SOLE		5,421	0	0
MUELLER INDUSTRIES INC. COMMON STOCK	MATERIALS	624756102	68,316	1,200	SH		SOLE		1,200	0	0
NASDAQ STOCK MARKET INC	FINANCIALS	631103108	9,039	150	SH		SOLE		150	0	0
NATIONAL FUEL GAS CO. NJ	UTILITIES	636180101	14,899	275	SH		SOLE		275	0	0
NETAPP, INC.	INFORMATION TECHNOLOGY	64110D104	12,880	100	SH		SOLE		100	0	0
NETFLIX INC	INFORMATION TECHNOLOGY	64110L106	610,083	904	SH		SOLE		904	0	0
NEWMONT CORPORATION	MATERIALS	651639106	54,920	1,312	SH		SOLE		1,312	0	0
NEXTERA ENERGY INC	UTILITIES	65339F101	1,968,896	27,806	SH		SOLE		26,606	1,200	0
NICE LTD - AMERICAN DEPOSITORY SHARES	INFORMATION TECHNOLOGY	653656108	5,159	30	SH		SOLE		30	0	0
NIKE, INC	CONSUMER DISCRETIONARY	654106103	494,562	6,562	SH		SOLE		6,562	0	0
NORFOLK SOUTHERN CORPORATION	INDUSTRIALS	655844108	32,203	150	SH		SOLE		150	0	0
NORTHROP GRUMMAN CORP	INDUSTRIALS	666807102	305,159	700	SH		SOLE		700	0	0
NOVARTIS AG - ADR	FOREIGN EQUITIES	66987V109	30,766	289	SH		SOLE		159	130	0
NUCOR	MATERIALS	670346105	238,700	1,510	SH		SOLE		910	600	0
NUCOR	MATERIALS	670346105	126,464	800	SH		DFND		800	0	0
NVIDIA CORP.	INFORMATION TECHNOLOGY	67066G104	11,520,079	93,250	SH		SOLE		93,250	0	0
NUVEEN QUALITY MUNICIPAL INCOME FUND	MUTUAL FUNDS-NON TAX	67066V101	7,854	669	SH		SOLE		669	0	0
NUVEEN NEW YORK QUALITY MUNICIPAL INCOME FD	MUTUAL FUNDS-NON TAX	67066X107	32,625	2,900	SH		SOLE		2,900	0	0
NUVEEN AMT-FREE MUNI CREDIT INCOME FUND	MUTUAL FUNDS-NON TAX	67071L106	19,313	1,550	SH		SOLE		1,550	0	0
NUSHARES ETF TR NUVEEN ESG SMLCP	EXCHANGE TRADED FUND - EQUITY	67092P607	550	14	SH		SOLE		14	0	0
OCCIDENTAL PETROLEUM CORP	ENERGY	674599105	11,973	190	SH		SOLE		190	0	0
ONEOK INC	ENERGY	682680103	157,387	1,930	SH		SOLE		1,930	0	0
ON24 INC.	INFORMATION TECHNOLOGY	68339B104	4,056	675	SH		SOLE		675	0	0
OPERA LIMITED AMERICAN DEPOSITARY	INFORMATION TECHNOLOGY	68373M107	3,144	224	SH		SOLE		224	0	0
ORACLE CORPORATION	INFORMATION TECHNOLOGY	68389X105	1,185,924	8,399	SH		SOLE		8,399	0	0
ORACLE CORPORATION	INFORMATION TECHNOLOGY	68389X105	24,004	170	SH		DFND		0	170	0
OTIS WORLDWIDE CORPORATION	INDUSTRIALS	68902V107	169,986	1,766	SH		SOLE		1,416	350	0
OTIS WORLDWIDE CORPORATION	INDUSTRIALS	68902V107	49,764	517	SH		DFND		327	190	0
OUTSET MEDICAL INC.	HEALTHCARE	690145107	1,078	280	SH		SOLE		280	0	0
OWENS CORNING INC.	MATERIALS	690742101	3,648	21	SH		SOLE		21	0	0
PNC FINANCIAL SERVICES GROUP INC	FINANCIALS	693475105	50,374	324	SH		SOLE		324	0	0
PPL CORP	UTILITIES	69351T106	2,764	100	SH		SOLE		100	0	0
PACER SMALL CAP ETF	EXCHANGE TRADED FUND - EQUITY	69374H857	562,628	12,917	SH		SOLE		12,917	0	0
PACIRA BIOSCIENCES, INC	HEALTHCARE	695127100	17,166	600	SH		SOLE		600	0	0
PALANTIR TECHNOLOGIES INC. CLASS A COMMON STOCK	INFORMATION TECHNOLOGY	69608A108	6,887	272	SH		SOLE		272	0	0
PALO ALTO NETWORKS INC	INFORMATION TECHNOLOGY	697435105	171,196	505	SH		SOLE		505	0	0
PARKER HANNIFIN CORP	MATERIALS	701094104	40,969	81	SH		SOLE		81	0	0
PAYCHEX INC	INFORMATION TECHNOLOGY	704326107	9,129	77	SH		SOLE		77	0	0
PELOTON INTERACTIVE INC CLASS A	CONSUMER DISCRETIONARY	70614W100	2,331	690	SH		SOLE		690	0	0
PEPSICO INC	CONSUMER STAPLES	713448108	2,999,005	18,184	SH		SOLE		17,889	295	0
PEPSICO INC	CONSUMER STAPLES	713448108	565,708	3,430	SH		DFND		1,815	1,615	0
PETROLEO BRASILEIRO S.A. ADR	FOREIGN EQUITIES	71654V101	13,640	1,000	SH		SOLE		1,000	0	0
PFIZER INC	HEALTHCARE	717081103	1,435,718	51,332	SH		SOLE		48,776	2,556	0
PFIZER INC	HEALTHCARE	717081103	110,061	3,935	SH		DFND		3,610	325	0
PHILIP MORRIS INTERNATIONAL W/I	CONSUMER DISCRETIONARY	718172109	227,785	2,248	SH		SOLE		2,248	0	0
PHILLIPS 66	ENERGY	718546104	1,260,190	8,927	SH		SOLE		8,717	210	0
PHILLIPS 66	ENERGY	718546104	177,168	1,255	SH		DFND		1,255	0	0
PINTEREST INC CL A	COMMUNICATION SERVICES	72352L106	40,314	915	SH		SOLE		915	0	0
PLAINS ALL AMERICAN PIPELINE	ENERGY	726503105	192,888	10,800	SH		SOLE		10,800	0	0
PLUG POWER INC.	INFORMATION TECHNOLOGY	72919P202	3,480	1,500	SH		SOLE		1,500	0	0
POST HOLDINGS INC	CONSUMER STAPLES	737446104	5,208	50	SH		SOLE		50	0	0
T ROWE PRICE GROUP INC	FINANCIALS	74144T108	43,241	375	SH		SOLE		375	0	0
PROCTER & GAMBLE CO	CONSUMER STAPLES	742718109	4,217,601	25,574	SH		SOLE		23,867	1,672	35
PROCTER & GAMBLE CO	CONSUMER STAPLES	742718109	730,757	4,431	SH		DFND		2,620	1,811	0
PROLOGIS, INC.	REAL ESTATE	74340W103	6,513	58	SH		SOLE		58	0	0
PRUDENTIAL FINANCIAL INC	FINANCIALS	744320102	331,748	2,831	SH		SOLE		2,831	0	0
PRUDENTIAL FINANCIAL INC	FINANCIALS	744320102	85,548	730	SH		DFND		730	0	0
PUBLIC SERVICE ENTERPRISE GROUP, INC	UTILITIES	744573106	11,423	155	SH		SOLE		155	0	0
PUBMATIC INC COM CL A	CONSUMER DISCRETIONARY	74467Q103	11,144	549	SH		SOLE		549	0	0
PULTEGROUP, INC	INDUSTRIALS	745867101	89,731	815	SH		SOLE		815	0	0
QUALCOMM INC	INFORMATION TECHNOLOGY	747525103	2,021,446	10,149	SH		SOLE		9,902	217	30
QUANTA SERVICES INC	INDUSTRIALS	74762E102	118,151	465	SH		SOLE		465	0	0
QUEST DIAGNOSTICS	HEALTHCARE	74834L100	2,190	16	SH		SOLE		16	0	0
REGENERON PHARMACEUTICALS	HEALTHCARE	75886F107	442,476	421	SH		SOLE		421	0	0
RELAY THERAPEUTICS INC COM	HEALTHCARE	75943R102	2,242	344	SH		SOLE		344	0	0
REPLIGEN CORPORATION	HEALTHCARE	759916109	31,515	250	SH		SOLE		250	0	0
RIMINI STREET INC.	INFORMATION TECHNOLOGY	76674Q107	4,788	1,565	SH		SOLE		1,565	0	0
RIO TINTO PLC	MATERIALS	767204100	98,894	1,500	SH		SOLE		1,500	0	0
ROBLOX CORP CL A	CONSUMER DISCRETIONARY	771049103	2,827	76	SH		SOLE		76	0	0
ROCHE HOLDING AG	HEALTHCARE	771195104	3,569	103	SH		SOLE		103	0	0
ROKU INC	CONSUMER DISCRETIONARY	77543R102	5,693	95	SH		SOLE		95	0	0
RYMAN HOSPITALITY PROPERTIES(REIT)	FINANCIALS	78377T107	4,493	45	SH		SOLE		45	0	0
SPDR S & P 500 ETF TRUST	EXCHANGE TRADED FUND - EQUITY	78462F103	27,706,760	50,912	SH		SOLE		50,912	0	0
SPDR S & P 500 ETF TRUST	EXCHANGE TRADED FUND - EQUITY	78462F103	1,978,202	3,635	SH		DFND		1,020	2,615	0
SPDR GOLD TRUST	EXCHANGE TRADED FUND - EQUITY	78463V107	281,230	1,308	SH		SOLE		1,308	0	0
SPDR NYSE TECHNOLOGY ETF	INFORMATION TECHNOLOGY	78464A102	74,195	380	SH		SOLE		380	0	0
SPDR S&P 600 SMALL CAP GROWTH EFT	EXCHANGE TRADED FUND - EQUITY	78464A201	6,439	75	SH		SOLE		75	0	0
SPDR PORTFOLIO TIP ETF	EXCHANGE TRADED FUND-FIXED INC	78464A656	28,738	1,131	SH		SOLE		1,131	0	0
SPDR S&P REGIONAL BANKING ETF	FINANCIALS	78464A698	3,681	75	SH		SOLE		75	0	0
SPDR S&P DIVIDEND ETF	EXCHANGE TRADED FUND - EQUITY	78464A763	185,682	1,460	SH		SOLE		1,460	0	0
ETF SPDR S&P BIOTECH	HEALTHCARE	78464A870	128,865	1,390	SH		SOLE		1,390	0	0
S&P MIDCAP 400 DEPOSITORY RECEIPTS ETF -W	EXCHANGE TRADED FUND - EQUITY	78467Y10W	13,376	25	SH		SOLE		25	0	0
S & P MIDCAP 400 DEPOSITORY RECEIPTS ETF	EXCHANGE TRADED FUND - EQUITY	78467Y107	5,600,624	10,467	SH		SOLE		10,448	0	19
S & P MIDCAP 400 DEPOSITORY RECEIPTS ETF	EXCHANGE TRADED FUND - EQUITY	78467Y107	239,714	448	SH		DFND		230	218	0
SPDR NUVEEN BLOOMBERG BARCLAY MUNICIPAL BOND ETF	EXCHANGE TRADED FUND-FIXED INC	78468R721	68,625	1,500	SH		SOLE		1,500	0	0
SALESFORCE, INC.	INFORMATION TECHNOLOGY	79466L302	344,748	1,341	SH		SOLE		1,341	0	0
SAP AKTIENGESELLSCHAFT ADR	FOREIGN EQUITIES	803054204	40,138	199	SH		SOLE		199	0	0
SCHLUMBERGER LTD	ENERGY	806857108	24,816	526	SH		SOLE		526	0	0
SCHLUMBERGER LTD	ENERGY	806857108	11,511	244	SH		DFND		0	244	0
CHARLES SCHWAB CORPORATION	FINANCIALS	808513105	12,158	165	SH		SOLE		165	0	0
SCHWAB U.S. SMALL-CAP ETF	EXCHANGE TRADED FUND - EQUITY	808524607	12,431	262	SH		SOLE		262	0	0
SCHWAB FUNDAMENTAL INTERNATIONAL SMALL COMPANY	EXCHANGE TRADED FUND - EQUITY	808524748	7,471	215	SH		SOLE		215	0	0
SCWAB FUNDAMENTAL INTERNATIONAL LARGE COMPANY	EXCHANGE TRADED FUND - EQUITY	808524755	12,642	361	SH		SOLE		361	0	0
SCHWAB FUNDAMENTAL U.S. SMALL COMPANY INDEX ETF	EXCHANGE TRADED FUND - EQUITY	808524763	11,258	205	SH		SOLE		205	0	0
SCHWAB FUNDAMENTAL U.S. LARGE COMPANY INDEX ETF	EXCHANGE TRADED FUND - EQUITY	808524771	25,783	385	SH		SOLE		385	0	0
MATERIAL SELECT SECTOR SPDR TRUST	MATERIALS	81369Y100	65,435	741	SH		SOLE		741	0	0
HEALTH CARE SELECT SECTOR SPDR FUND	HEALTHCARE	81369Y209	658,041	4,515	SH		SOLE		4,515	0	0
CONSUMER STAPLES SELECT SECTOR SPDR FUND	CONSUMER STAPLES	81369Y308	53,144	694	SH		SOLE		694	0	0
CONSUMER DISCRETIONARY SELE CT SECTOR SPDR FUND	CONSUMER DISCRETIONARY	81369Y407	116,736	640	SH		SOLE		640	0	0
ENERGY SELECT SECTOR SPDR FUND	ENERGY	81369Y506	625,077	6,858	SH		SOLE		6,858	0	0
FINANCIAL SELECT SECTOR SPDR FUND	FINANCIALS	81369Y605	612,359	14,896	SH		SOLE		14,896	0	0
INDUSTRIAL SELECT SECTOR SPDR FUND	INDUSTRIALS	81369Y704	293,329	2,407	SH		SOLE		2,407	0	0
TECHNOLOGY SELECT SECT SPDR	INFORMATION TECHNOLOGY	81369Y803	2,221,328	9,819	SH		SOLE		9,819	0	0
COMMUNICATION SERVICES SELECT SECTOR SPDR FUND	COMMUNICATION SERVICES	81369Y852	608,779	7,108	SH		SOLE		7,108	0	0
AMEX UTILITIES SELECT INDEX SHS BEN INT	UTILITIES	81369Y886	60,428	887	SH		SOLE		887	0	0
SEMPRA	UTILITIES	816851109	88,989	1,170	SH		SOLE		1,170	0	0
SENTINELONE INC CL A	INFORMATION TECHNOLOGY	81730H109	2,125	101	SH		SOLE		101	0	0
SHERWIN WILLIAMS COMPANY	CONSUMER DISCRETIONARY	824348106	59,981	201	SH		SOLE		201	0	0
SIEMENS AG	FOREIGN EQUITIES	826197501	18,836	202	SH		SOLE		202	0	0
SIMON PROPERTY GROUP	REAL ESTATE	828806109	10,018	66	SH		SOLE		66	0	0
SIX FLAGS ENTERTAINMENT CORPORATION	CONSUMER DISCRETIONARY	83001A102	10,435	315	SH		SOLE		315	0	0
SMITH-MIDLAND CORPORATION	INDUSTRIALS	832156103	9,134	330	SH		SOLE		330	0	0
J.M. SMUCKER COMPANY	CONSUMER STAPLES	832696405	173,045	1,587	SH		SOLE		636	951	0
SOUTHERN CO	UTILITIES	842587107	999,420	12,886	SH		SOLE		12,271	615	0
SOUTHERN CO	UTILITIES	842587107	259,438	3,345	SH		DFND		2,600	745	0
SPECTRUM BRANDS HOLDINGS INCCOMMON STOCK	CONSUMER STAPLES	84790A105	859	10	SH		SOLE		10	0	0
STARBUCKS CORPORATION	CONSUMER DISCRETIONARY	855244109	261,571	3,360	SH		SOLE		3,360	0	0
STARBUCKS CORPORATION	CONSUMER DISCRETIONARY	855244109	7,162	92	SH		DFND		0	92	0
STEPAN CO	MATERIALS	858586100	67,168	800	SH		SOLE		800	0	0
STITCH FIX, INC. - CLASS A	CONSUMER DISCRETIONARY	860897107	809	195	SH		SOLE		195	0	0
STRYKER CORP	HEALTHCARE	863667101	1,364,384	4,010	SH		SOLE		4,010	0	0
STRYKER CORP	HEALTHCARE	863667101	47,634	140	SH		DFND		140	0	0
SUMMIT THERAPEUTICS INC.	HEALTHCARE	86627T108	19,500	2,500	SH		SOLE		2,500	0	0
SUNCOR ENERGY INC NEW	FOREIGN EQUITIES	867224107	29,327	770	SH		SOLE		770	0	0
SUPER MICRO COMPUTER INC COM	INFORMATION TECHNOLOGY	86800U104	40,967	50	SH		SOLE		50	0	0
SYNOPSYS INC	INFORMATION TECHNOLOGY	871607107	17,256	29	SH		SOLE		29	0	0
SYSCO CORPORATION	CONSUMER STAPLES	871829107	64,811	908	SH		SOLE		908	0	0
TJX COS INC NEW	CONSUMER DISCRETIONARY	872540109	119,677	1,087	SH		SOLE		1,087	0	0
T. ROWE PRICE DIVIDEND GROWTH ETF	EXCHANGE TRADED FUND - EQUITY	87283Q404	161,696	4,200	SH		SOLE		4,200	0	0
TAIWAN SEMICONDUCTOR MFG CO LTD ADR	FOREIGN EQUITIES	874039100	61,179	352	SH		SOLE		352	0	0
TAKE-TWO INTERACTIVE SOFTWARE, INC.	INFORMATION TECHNOLOGY	874054109	9,329	60	SH		SOLE		60	0	0
TARGET CORP	CONSUMER DISCRETIONARY	87612E106	636,838	4,302	SH		SOLE		4,130	130	42
TARGET CORP	CONSUMER DISCRETIONARY	87612E106	106,884	722	SH		DFND		0	722	0
TECK RESOURCES LTD	MATERIALS	878742204	4,646	97	SH		SOLE		97	0	0
TELADOC HEALTH INC.	HEALTHCARE	87918A105	3,198	327	SH		SOLE		327	0	0
TESLA MOTORS INC	CONSUMER DISCRETIONARY	88160R101	1,123,733	5,679	SH		SOLE		5,639	0	40
TEXAS INSTRUMENTS	INFORMATION TECHNOLOGY	882508104	65,165	335	SH		SOLE		335	0	0
TEXTRON INC	INDUSTRIALS	883203101	5,580	65	SH		SOLE		65	0	0
THE TRADE DESK, INC.	INFORMATION TECHNOLOGY	88339J105	78,136	800	SH		SOLE		800	0	0
THERMO FISHER SCIENTIFIC, INC	HEALTHCARE	883556102	47,005	85	SH		SOLE		85	0	0
3M CO COM	INDUSTRIALS	88579Y101	285,084	2,790	SH		SOLE		2,790	0	0
3M CO COM	INDUSTRIALS	88579Y101	80,219	785	SH		DFND		785	0	0
THRYV HLDGS INC COM NEW	CONSUMER DISCRETIONARY	886029206	2,618	147	SH		SOLE		147	0	0
TORO CO	INDUSTRIALS	891092108	9,351	100	SH		SOLE		100	0	0
TORONTO-DOMINION BANK NEW	FOREIGN EQUITIES	891160509	211,170	3,843	SH		SOLE		3,843	0	0
TOTALENERGIES SE	FOREIGN EQUITIES	89151E109	23,403	351	SH		SOLE		351	0	0
TOYOTA MOTOR CORP ADR	CONSUMER DISCRETIONARY	892331307	25,620	125	SH		SOLE		125	0	0
TRANSMEDICS GROUP INC.	HEALTHCARE	89377M109	69,285	460	SH		SOLE		460	0	0
TRAVELERS COS INC	FINANCIALS	89417E109	128,102	630	SH		SOLE		630	0	0
TREX COMPANY INC.	INDUSTRIALS	89531P105	4,817	65	SH		SOLE		65	0	0
TWILIO INC. - A	INFORMATION TECHNOLOGY	90138F102	6,419	113	SH		SOLE		113	0	0
US BANCORP DEL COM NEW	FINANCIALS	902973304	78,604	1,980	SH		SOLE		1,980	0	0
US BANCORP DEL COM NEW	FINANCIALS	902973304	794	20	SH		DFND		20	0	0
UNILEVER PLC	FOREIGN EQUITIES	904767704	9,348	170	SH		SOLE		0	170	0
UNION PACIFIC CORP	INDUSTRIALS	907818108	198,197	876	SH		SOLE		876	0	0
UNITED PARCEL SERVICE	INDUSTRIALS	911312106	386,442	2,824	SH		SOLE		2,824	0	0
UNITEDHEALTH GROUP INC	HEALTHCARE	91324P102	1,310,816	2,574	SH		SOLE		2,574	0	0
UPSTART HLDGS INC COM	FINANCIALS	91680M107	3,538	150	SH		SOLE		150	0	0
VAIL RESORTS INC.	CONSUMER DISCRETIONARY	91879Q109	2,701	15	SH		SOLE		15	0	0
VALERO ENERGY NEW	ENERGY	91913Y100	698,659	4,457	SH		SOLE		4,342	115	0
VALERO ENERGY NEW	ENERGY	91913Y100	124,153	792	SH		DFND		792	0	0
VANECK SEMICONDUCTOR ETF	INFORMATION TECHNOLOGY	92189F676	702,808	2,696	SH		SOLE		2,696	0	0
VANECK INDONESIA INDEX ETF	Exchange Traded Funds - Equity	92189F833	9,919	627	SH		SOLE		627	0	0
VANGUARD DIVIDEND APPRECIATION INDEX FUND	EXCHANGE TRADED FUND - EQUITY	921908844	271,804	1,489	SH		SOLE		1,489	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	15,876	207	SH		SOLE		207	0	0
VANGUARD TOTAL BOND MARKET FUND ETF	EXCHANGE TRADED FUND-FIXED INC	921937835	423,667	5,881	SH		SOLE		5,881	0	0
VANGUARD FTSE DEVELOPED MARKET ETF	Exchange Traded Funds - Equity	921943858	432,978	8,763	SH		SOLE		8,763	0	0
VANGUARD INTERNATIONAL HIGH DIVIDEND YIELD ETF	EXCHANGE TRADED FUND - EQUITY	921946794	62,562	913	SH		SOLE		913	0	0
VANGUARD UTILITIES ETF	UTILITIES	92204A876	4,437	30	SH		SOLE		30	0	0
VANGUARD FTSE ALL-WLD EX-US SMCP IDX ETF	EXCHANGE TRADED FUND - EQUITY	922042718	3,172	27	SH		SOLE		27	0	0
VANGUARD MSCI EMERGING MARKETS ETF	EXCHANGE TRADED FUND - EQUITY	922042858	176,309	4,030	SH		SOLE		4,030	0	0
VANGUARD MSCI EMERGING MARKETS ETF	EXCHANGE TRADED FUND - EQUITY	922042858	50,749	1,160	SH		DFND		910	250	0
ETF VANGUARD RUSSELL 3000	EXCHANGE TRADED FUND - EQUITY	92206C599	2,402,226	10,026	SH		SOLE		10,026	0	0
ETF VANGUARD RUSSELL 3000	EXCHANGE TRADED FUND - EQUITY	92206C599	306,208	1,278	SH		DFND		1,278	0	0
ETF VANGUARD RUSSELL 2000	EXCHANGE TRADED FUND - EQUITY	92206C664	105,822	1,291	SH		SOLE		1,291	0	0
VANGUARD RUSSELL 1000 GROWTHETF	EXCHANGE TRADED FUND - EQUITY	92206C680	42,682	455	SH		SOLE		455	0	0
VAREX IMAGING CORP	HEALTHCARE	92214X106	589	40	SH		SOLE		40	0	0
VANGUARD REAL ESTATE ETF	REAL ESTATE	922908553	25,128	300	SH		SOLE		200	100	0
VANGUARD MID-CAP ETF	EXCHANGE TRADED FUND - EQUITY	922908629	1,452,600	6,000	SH		SOLE		6,000	0	0
VANGUARD GROWTH ETF	EXCHANGE TRADED FUND - EQUITY	922908736	1,644,521	4,397	SH		SOLE		4,397	0	0
VANGUARD VALUE ETF	EXCHANGE TRADED FUND - EQUITY	922908744	102,975	642	SH		SOLE		642	0	0
VANGUARD SMALL CAP ETF	EXCHANGE TRADED FUND - EQUITY	922908751	11,119	51	SH		SOLE		51	0	0
VANGUARD TOTAL STOCK MARKET ETF	EXCHANGE TRADED FUND - EQUITY	922908769	1,492,703	5,580	SH		SOLE		5,580	0	0
VERIZON COMMUNICATIONS INC	COMMUNICATION SERVICES	92343V104	1,416,536	34,358	SH		SOLE		32,902	1,456	0
VERIZON COMMUNICATIONS INC	COMMUNICATION SERVICES	92343V104	82,415	1,999	SH		DFND		212	1,787	0
VERISK ANALYTICS INC	INDUSTRIALS	92345Y106	28,301	105	SH		SOLE		105	0	0
VERTEX PHARMACEUTICALS INC	HEALTHCARE	92532F100	233,875	499	SH		SOLE		499	0	0
VISA INC - CLASS A SHARES	INFORMATION TECHNOLOGY	92826C839	1,298,892	4,949	SH		SOLE		4,849	100	0
VISHAY INTERTECHNOLOGY, INC.	INFORMATION TECHNOLOGY	928298108	62,412	2,800	SH		SOLE		2,800	0	0
VONTIER CORPORATION	INDUSTRIALS	928881101	1,528	40	SH		DFND		40	0	0
WALMART INC	CONSUMER STAPLES	931142103	1,638,516	24,203	SH		SOLE		23,363	840	0
WALMART INC	CONSUMER STAPLES	931142103	25,387	375	SH		DFND		375	0	0
WASTE MANAGEMENT INC NEW	INDUSTRIALS	94106L109	2,035,660	9,542	SH		SOLE		8,587	955	0
WASTE MANAGEMENT INC NEW	INDUSTRIALS	94106L109	279,473	1,310	SH		DFND		880	430	0
WAYFAIR INC CL A	CONSUMER DISCRETIONARY	94419L101	5,272	100	SH		SOLE		100	0	0
WELLS FARGO & CO NEW	FINANCIALS	949746101	60,210	1,014	SH		SOLE		794	220	0
WELLS FARGO & CO NEW	FINANCIALS	949746101	41,566	700	SH		DFND		700	0	0
WHERE FOOD COMES FROM INC.	INDUSTRIALS	96327X200	8,477	700	SH		SOLE		700	0	0
WHIRLPOOL CORP	CONSUMER DISCRETIONARY	963320106	2,044	20	SH		SOLE		20	0	0
JOHN WILEY & SONS INC	CONSUMER DISCRETIONARY	968223206	85,470	2,100	SH		SOLE		2,100	0	0
THE WILLIAMS CO. INC.	ENERGY	969457100	332,727	7,829	SH		SOLE		7,829	0	0
THE WILLIAMS CO. INC.	ENERGY	969457100	131,750	3,100	SH		DFND		3,100	0	0
WISDOMTREE INC	FINANCIALS	97717P104	5,946	600	SH		SOLE		600	0	0
XCEL ENERGY INC	UTILITIES	98389B100	30,005	562	SH		SOLE		562	0	0
YUM BRANDS INC.	CONSUMER DISCRETIONARY	988498101	23,842	180	SH		SOLE		180	0	0
YUM BRANDS INC.	CONSUMER DISCRETIONARY	988498101	79,476	600	SH		DFND		0	600	0
ZEBRA TECHNOLOGIES CORP CLASS A	INFORMATION TECHNOLOGY	989207105	24,713	80	SH		SOLE		80	0	0
ZIMMER HOLDINGS INC.	HEALTHCARE	98956P102	54,265	500	SH		SOLE		0	500	0
ZOETIS INC	HEALTHCARE	98978V103	14,215	82	SH		SOLE		82	0	0
ZUORA INC	INFORMATION TECHNOLOGY	98983V106	4,905	494	SH		SOLE		494	0	0