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	6,795	52	SH		SOLE		52	0	0
ACCENTURE PLC	INFORMATION TECHNOLOGY	G1151C101	1,056,732	3,004	SH		SOLE		3,004	0	0
EATON CORP PLC	INDUSTRIALS	G29183103	133,404	402	SH		SOLE		402	0	0
NORWEGIAN CRUISE LINE HOLDINGS LTD	CONSUMER DISCRETIONARY	G66721104	2,572	100	SH		SOLE		100	0	0
NOVOCURE LIMITED	HEALTHCARE	G6674U108	2,979	100	SH		SOLE		100	0	0
PENTAIR PLC	INDUSTRIALS	G7S00T104	30,192	300	SH		SOLE		300	0	0
SMART GLOBAL HOLDINGS INC.	FOREIGN EQUITIES	G8232Y101	6,521	340	SH		SOLE		340	0	0
VINCI PARTNERS INVESTMENTS LTD. - CLASS A	FINANCIALS	G9451V109	8,609	855	SH		SOLE		855	0	0
CHUBB LTD	FINANCIALS	H1467J104	3,039	11	SH		SOLE		11	0	0
FIVERR INTERNATIONAL LTD.	FOREIGN EQUITIES	M4R82T106	8,564	270	SH		SOLE		270	0	0
WIX.COM LTD	INFORMATION TECHNOLOGY	M98068105	27,462	128	SH		SOLE		128	0	0
ASML HOLDING N V N Y REGISTRY SHS	FOREIGN EQUITIES	N07059210	45,742	66	SH		SOLE		66	0	0
FLEXTRONICS INTL	INFORMATION TECHNOLOGY	Y2573F102	57,570	1,500	SH		SOLE		1,500	0	0
ADMA BIOLOGICS INC COM	HEALTHCARE	000899104	10,026	585	SH		SOLE		585	0	0
ABM INDUSTRIES INCORPORATED COMMON STOCK	INDUSTRIALS	000957100	46,062	900	SH		SOLE		900	0	0
AT&T INC.	COMMUNICATION SERVICES	00206R102	459,961	20,201	SH		SOLE		20,201	0	0
AT&T INC.	COMMUNICATION SERVICES	00206R102	109,067	4,790	SH		DFND		4,710	80	0
ARK AUTONOMOUS TECHNOLOGY & ROBOTICS ETF	INFORMATION TECHNOLOGY	00214Q203	2,163	28	SH		SOLE		28	0	0
ABBOTT LABS	HEALTHCARE	002824100	830,319	7,341	SH		SOLE		6,941	400	0
ABBOTT LABS	HEALTHCARE	002824100	136,297	1,205	SH		DFND		0	1,205	0
ABBVIE INC.	HEALTHCARE	00287Y109	2,454,363	13,812	SH		SOLE		13,334	478	0
ABBVIE INC.	HEALTHCARE	00287Y109	420,260	2,365	SH		DFND		1,250	1,115	0
ADOBE INC	INFORMATION TECHNOLOGY	00724F101	482,003	1,084	SH		SOLE		1,076	0	8
AECOM TECHNOLOGY CORP	INFORMATION TECHNOLOGY	00766T100	1,708	16	SH		SOLE		16	0	0
ADVANCED MICRO DEVICES INC	INFORMATION TECHNOLOGY	007903107	740,177	6,128	SH		SOLE		6,128	0	0
ADVANCED MICRO DEVICES INC	INFORMATION TECHNOLOGY	007903107	12,079	100	SH		DFND		0	0	100
INVESCO INTERNATIONAL GROWTH FUND	MUTUAL FUND	008882532	1,520	71	SH		SOLE		71	0	0
AIR PRODUCTS & CHEMICALS INC	MATERIALS	009158106	266,534	919	SH		SOLE		919	0	0
ALBANY INTERNATIONAL CORPORATION COMMON STOCK	INDUSTRIALS	012348108	79,970	1,000	SH		SOLE		1,000	0	0
ALIGN TECHNOLOGY INC.	HEALTHCARE	016255101	2,085	10	SH		SOLE		10	0	0
ALLSTATE CORP	FINANCIALS	020002101	115,674	600	SH		SOLE		300	300	0
ALTRIA GROUP, INC.	CONSUMER STAPLES	02209S103	187,190	3,580	SH		SOLE		3,580	0	0
AMAZON. COM, INC	CONSUMER DISCRETIONARY	023135106	7,994,512	36,440	SH		SOLE		36,240	200	0
AMAZON. COM, INC	CONSUMER DISCRETIONARY	023135106	63,623	290	SH		DFND		290	0	0
AMERICAN FUNDS AMERICAN BALANCED FND CLASS C	MUTUAL FUND	024071300	65,935	1,937	SH		SOLE		1,937	0	0
AMERICAN ELEC PWR INC	UTILITIES	025537101	43,623	473	SH		SOLE		473	0	0
AMERICAN EXPRESS	FINANCIALS	025816109	594,431	2,003	SH		SOLE		1,966	0	37
AMERICAN EXPRESS	FINANCIALS	025816109	34,426	116	SH		DFND		0	116	0
AMERICAN STATES WATER COMPANY COMMON STOCK	UTILITIES	029899101	155,440	2,000	SH		SOLE		2,000	0	0
AMERICAN TOWER CORPORATION	COMMUNICATION SERVICES	03027X100	446,394	2,434	SH		SOLE		2,434	0	0
AMERIPRISE FINANCIAL INC.	FINANCIALS	03076C106	42,060	79	SH		SOLE		79	0	0
AMGEN INCORPORATED	HEALTHCARE	031162100	649,985	2,494	SH		SOLE		2,494	0	0
AMGEN INCORPORATED	HEALTHCARE	031162100	126,143	484	SH		DFND		484	0	0
AMKOR TECHNOLOGY INC	INFORMATION TECHNOLOGY	031652100	3,852	150	SH		SOLE		150	0	0
APPIAN CORPORATION	INFORMATION TECHNOLOGY	03782L101	9,231	280	SH		SOLE		280	0	0
APPLE INC	INFORMATION TECHNOLOGY	037833100	17,124,393	68,383	SH		SOLE		66,903	1,400	80
APPLE INC	INFORMATION TECHNOLOGY	037833100	681,141	2,720	SH		DFND		2,560	160	0
APPLE HOSPITALTIY REIT INC COMMON SHARES	REAL ESTATE	03784Y200	2,471	161	SH		SOLE		161	0	0
APPLIED MATL INC	INFORMATION TECHNOLOGY	038222105	1,364,284	8,389	SH		SOLE		8,389	0	0
APTARGROUP INC. COMMON STOCK	INDUSTRIALS	038336103	78,550	500	SH		SOLE		500	0	0
ARM HOLDINGS PLC SPONSORED ADS	INFORMATION TECHNOLOGY	042068205	12,336	100	SH		SOLE		100	0	0
ARROW FINANCIAL CORPORATION	FINANCIALS	042744102	88,308	3,077	SH		SOLE		3,077	0	0
ASTRAZENECA PLC - ADR	HEALTHCARE	046353108	50,972	778	SH		SOLE		778	0	0
AUTODESK INC.	INFORMATION TECHNOLOGY	052769106	14,778	50	SH		SOLE		50	0	0
AUTOMATIC DATA PROCESSING INC	INFORMATION TECHNOLOGY	053015103	870,834	2,975	SH		SOLE		2,675	300	0
AUTOMATIC DATA PROCESSING INC	INFORMATION TECHNOLOGY	053015103	228,321	780	SH		DFND		0	780	0
AVERY DENNISON CORP	MATERIALS	053611109	56,139	300	SH		SOLE		300	0	0
AXON ENTERPRISE INC COM	INDUSTRIALS	05464C101	148,580	250	SH		SOLE		250	0	0
BP P.L.C.	ENERGY	055622104	48,695	1,648	SH		SOLE		1,648	0	0
BP PRUDHOE BAY ROYALTY TRUST	ENERGY	055630107	54	100	SH		SOLE		100	0	0
BM TECHNOLOGIES INC.	INDUSTRIALS	05591L107	4,303	880	SH		SOLE		880	0	0
BAIDU INC - SPON ADR	INFORMATION TECHNOLOGY	056752108	1,011	12	SH		SOLE		12	0	0
BANDWIDTH INC	INFORMATION TECHNOLOGY	05988J103	2,212	130	SH		SOLE		130	0	0
BANK OF AMERICA CORP	FINANCIALS	060505104	569,003	12,947	SH		SOLE		12,947	0	0
BANK OF HAWAII CORPORATION COMMON STOCK	FINANCIALS	062540109	21,372	300	SH		SOLE		300	0	0
BANK OF NEW YORK MELLON CORP	FINANCIALS	064058100	46,787	609	SH		SOLE		609	0	0
BAOUZUN INC-SPN ADR	FOREIGN EQUITIES	06684L103	204	75	SH		SOLE		75	0	0
BARRICK GOLD CORP	MATERIALS	067901108	2,092	135	SH		SOLE		135	0	0
BAXTER INTERNATIONAL INC.	HEALTHCARE	071813109	29,150	1,000	SH		SOLE		1,000	0	0
BECTON DICKINSON & CO	HEALTHCARE	075887109	255,676	1,127	SH		SOLE		892	235	0
BERKSHIRE HATHAWAY INC. DEL CLASS B	FINANCIALS	084670702	4,116,540	9,082	SH		SOLE		9,082	0	0
BERKSHIRE HATHAWAY INC. DEL CLASS B	FINANCIALS	084670702	16,770	37	SH		DFND		0	37	0
BEST BUY	CONSUMER DISCRETIONARY	086516101	27,885	325	SH		SOLE		325	0	0
BIOGEN INC	HEALTHCARE	09062X103	12,233	80	SH		SOLE		80	0	0
BIOVENTUS INC COM CL A	HEALTHCARE	09075A108	7,161	682	SH		SOLE		682	0	0
BLACKROCK INC	FINANCIALS	09290D101	1,329,537	1,297	SH		SOLE		1,297	0	0
BLACKROCK INC	FINANCIALS	09290D101	15,376	15	SH		DFND		0	15	0
BLOOM ENERGY CORP COM CL A	ENERGY	093712107	4,440	200	SH		SOLE		200	0	0
BOEING	INDUSTRIALS	097023105	23,010	130	SH		SOLE		130	0	0
BOEING	INDUSTRIALS	097023105	79,650	450	SH		DFND		50	400	0
BOSTON SCIENTIFIC CORP	HEALTHCARE	101137107	51,530	577	SH		SOLE		577	0	0
BRISTOL MYERS SQUIBB CO	HEALTHCARE	110122108	1,248,977	22,083	SH		SOLE		20,083	2,000	0
BRISTOL MYERS SQUIBB CO	HEALTHCARE	110122108	229,915	4,065	SH		DFND		3,000	1,065	0
C3.AI INC	INFORMATION TECHNOLOGY	12468P104	1,721	50	SH		SOLE		50	0	0
CBOE GLOBAL MARKETS, INC.	FINANCIALS	12503M108	19,540	100	SH		SOLE		100	0	0
CME GROUP INC.	FINANCIALS	12572Q105	5,341	23	SH		SOLE		23	0	0
CRA INTERNATIONAL INC.	INDUSTRIALS	12618T105	19,656	105	SH		SOLE		105	0	0
CSX CORPORATION	INDUSTRIALS	126408103	757,920	23,487	SH		SOLE		23,487	0	0
CSX CORPORATION	INDUSTRIALS	126408103	116,172	3,600	SH		DFND		3,600	0	0
CNX RESOURCES COPRORATION COMMON STOCK	ENERGY	12653C108	87,984	2,400	SH		SOLE		2,400	0	0
CVS HEALTH CORP	CONSUMER STAPLES	126650100	438,821	9,778	SH		SOLE		9,778	0	0
COTERRA ENERGY INC	ENERGY	127097103	25,540	1,000	SH		SOLE		1,000	0	0
CANADIAN IMPERIAL BANK OF COMMERCE	FINANCIALS	136069101	9,483	150	SH		SOLE		150	0	0
CANADIAN NATIONAL RAILWAY CO	FOREIGN EQUITIES	136375102	4,060	40	SH		SOLE		40	0	0
CANADIAN NATURAL RESOURCES	ENERGY	136385101	12,652	410	SH		SOLE		410	0	0
CANADIAN SOLAR INC COM	ENERGY	136635109	16,680	1,500	SH		SOLE		1,500	0	0
CAPITAL ONE FINANCIAL CORP	FINANCIALS	14040H105	70,791	397	SH		SOLE		397	0	0
CARGURUS INC COM CL A	CONSUMER DISCRETIONARY	141788109	36,540	1,000	SH		SOLE		1,000	0	0
CARRIER GLOBAL CORPORATION	INDUSTRIALS	14448C104	230,233	3,373	SH		SOLE		2,673	700	0
CARRIER GLOBAL CORPORATION	INDUSTRIALS	14448C104	44,709	655	SH		DFND		655	0	0
CASEY'S GENERAL STORES INC	CONSUMER DISCRETIONARY	147528103	106,979	270	SH		SOLE		270	0	0
CATERPILLAR INC	INDUSTRIALS	149123101	2,423,919	6,682	SH		SOLE		6,587	70	25
CATERPILLAR INC	INDUSTRIALS	149123101	509,675	1,405	SH		DFND		1,025	380	0
CENTERPOINT ENERGY, INC	UTILITIES	15189T107	34,892	1,100	SH		SOLE		1,100	0	0
CENTERPOINT ENERGY, INC	UTILITIES	15189T107	126,880	4,000	SH		DFND		4,000	0	0
CENTESSA PHARMACEUTICALS PLC	HEALTHCARE	152309100	15,493	925	SH		SOLE		925	0	0
CHARTER COMMUNICATIONS,INC-A	COMMUNICATION SERVICES	16119P108	1,028	3	SH		SOLE		3	0	0
CHEGG INC COM	CONSUMER DISCRETIONARY	163092109	400	250	SH		SOLE		250	0	0
CHENIERE ENERGY, INC.	ENERGY	16411R208	42,543	198	SH		SOLE		198	0	0
CHESAPEAKE ENERGY CORPORATION	ENERGY	165167735	49,775	500	SH		SOLE		500	0	0
CHEVRON CORPORATION	ENERGY	166764100	1,934,728	13,358	SH		SOLE		12,975	383	0
CHEVRON CORPORATION	ENERGY	166764100	288,374	1,991	SH		DFND		1,486	505	0
CHEWY INC.	CONSUMER DISCRETIONARY	16679L109	837	25	SH		SOLE		25	0	0
CISCO SYSTEMS INC.	INFORMATION TECHNOLOGY	17275R102	1,960,089	33,110	SH		SOLE		32,545	500	65
CISCO SYSTEMS INC.	INFORMATION TECHNOLOGY	17275R102	77,256	1,305	SH		DFND		30	1,275	0
CIRRUS LOGIC INC	INFORMATION TECHNOLOGY	172755100	9,958	100	SH		SOLE		100	0	0
CITIGROUP INC.	FINANCIALS	172967424	515,366	7,323	SH		SOLE		7,323	0	0
CITIGROUP INC.	FINANCIALS	172967424	91,845	1,305	SH		DFND		1,305	0	0
CLOROX COMPANY	CONSUMER STAPLES	189054109	24,360	150	SH		SOLE		150	0	0
CLOROX COMPANY	CONSUMER STAPLES	189054109	32,482	200	SH		DFND		0	200	0
COCA COLA CO	CONSUMER STAPLES	191216100	1,680,861	26,998	SH		SOLE		24,528	2,470	0
COCA COLA CO	CONSUMER STAPLES	191216100	251,778	4,044	SH		DFND		3,430	614	0
COGNIZANT TECHNOLOGY SOLUTIONS CORP	INFORMATION TECHNOLOGY	192446102	7,690	100	SH		SOLE		100	0	0
COLGATE PALMOLIVE	CONSUMER STAPLES	194162103	1,068,334	11,753	SH		SOLE		11,753	0	0
COLGATE PALMOLIVE	CONSUMER STAPLES	194162103	139,894	1,539	SH		DFND		1,374	165	0
COMCAST CORP NEW CL A	CONSUMER DISCRETIONARY	20030N101	270,283	7,204	SH		SOLE		7,204	0	0
COMMERCE BANCSHARES INC	FINANCIALS	200525103	68,665	1,102	SH		SOLE		1,102	0	0
COMMERCIAL METALS COMPANY COMMON STOCK	MATERIALS	201723103	158,688	3,200	SH		SOLE		3,200	0	0
COMPASS PATHWAYS PLC	HEALTHCARE	20451W101	1,903	505	SH		SOLE		505	0	0
CONFLUENT INC. CLASS A COMMON STOCK	INFORMATION TECHNOLOGY	20717M103	3,437	123	SH		SOLE		123	0	0
CONOCOPHILLIPS	ENERGY	20825C104	295,713	2,982	SH		SOLE		2,982	0	0
CONOCOPHILLIPS	ENERGY	20825C104	1,983	20	SH		DFND		20	0	0
CONSOLIDATED EDISON INC	UTILITIES	209115104	27,125	304	SH		SOLE		304	0	0
CORNERSTONE STRATEGIC VALUE FUND INC.	FINANCIALS	21924B302	3,264	380	SH		SOLE		380	0	0
CORNING INC	INFORMATION TECHNOLOGY	219350105	137,570	2,895	SH		SOLE		2,895	0	0
COSTCO WHSL CORP NEW	CONSUMER STAPLES	22160K105	1,429,355	1,560	SH		SOLE		1,560	0	0
COURSERA INC COM	CONSUMER DISCRETIONARY	22266M104	4,420	520	SH		SOLE		520	0	0
CUBESMART COM	REAL ESTATE	229663109	4,969	116	SH		SOLE		116	0	0
CUMMINS INC	INDUSTRIALS	231021106	188,929	542	SH		SOLE		542	0	0
CUMMINS INC	INDUSTRIALS	231021106	38,344	110	SH		DFND		110	0	0
DNP SELECT INCOME FUND INC	FIXED INCOME	23325P104	13,230	1,500	SH		SOLE		1,500	0	0
D R HORTON INC	CONSUMER DISCRETIONARY	23331A109	37,051	265	SH		SOLE		265	0	0
DTE ENERGY CO	UTILITIES	233331107	36,222	300	SH		SOLE		300	0	0
DTE ENERGY CO	UTILITIES	233331107	83,921	695	SH		DFND		695	0	0
DANAHER CORP	HEALTHCARE	235851102	834,392	3,635	SH		SOLE		3,635	0	0
DANAHER CORP	HEALTHCARE	235851102	129,924	566	SH		DFND		500	66	0
DARLING INGREDIENTS INC. COMMON STOCK	CONSUMER STAPLES	237266101	205,448	6,100	SH		SOLE		6,100	0	0
DATADOG INC CLASS A	INFORMATION TECHNOLOGY	23804L103	64,157	449	SH		SOLE		449	0	0
DAVITA INC.	HEALTHCARE	23918K108	11,216	75	SH		SOLE		75	0	0
DEERE & CO (JOHN DEERE)	INDUSTRIALS	244199105	606,731	1,432	SH		SOLE		1,222	210	0
DELTA AIR LINES INC	CONSUMER DISCRETIONARY	247361702	27,527	455	SH		SOLE		455	0	0
DEVON ENERGY CORPORATION NEW	ENERGY	25179M103	44,035	1,346	SH		SOLE		1,346	0	0
DIAGEO PLC	CONSUMER DISCRETIONARY	25243Q205	14,873	117	SH		SOLE		117	0	0
DIAMONDBACK ENERGY INC.	ENERGY	25278X109	19,659	120	SH		SOLE		120	0	0
DIGITAL REALTY TRUST INC.	REAL ESTATE	253868103	44,329	250	SH		SOLE		250	0	0
TRUMP MEDIA & TECHNOLOGY GROCOM	FINANCIALS	25400Q105	3,409	100	SH		SOLE		100	0	0
DISNEY (WALT) COMPANY HOLDING CO	CONSUMER DISCRETIONARY	254687106	1,109,235	9,962	SH		SOLE		9,937	0	25
DISNEY (WALT) COMPANY HOLDING CO	CONSUMER DISCRETIONARY	254687106	145,645	1,308	SH		DFND		220	1,088	0
DISCOVER FINANCIAL SERVICES	FINANCIALS	254709108	76,221	440	SH		SOLE		440	0	0
DOCEBO INC.	INFORMATION TECHNOLOGY	25609L105	6,043	135	SH		SOLE		135	0	0
DOCUSIGN INC	INFORMATION TECHNOLOGY	256163106	21,135	235	SH		SOLE		235	0	0
DOMINION ENERGY, INC.	UTILITIES	25746U109	287,120	5,331	SH		SOLE		5,331	0	0
DOMINION ENERGY, INC.	UTILITIES	25746U109	57,091	1,060	SH		DFND		1,060	0	0
DOMINO'S PIZZA INC	CONSUMER DISCRETIONARY	25754A201	2,098	5	SH		SOLE		5	0	0
DONALDSON COMPANY INC	CONSUMER DISCRETIONARY	257651109	6,128	91	SH		SOLE		91	0	0
DOW INC.	MATERIALS	260557103	196,540	4,898	SH		SOLE		4,386	512	0
DOW INC.	MATERIALS	260557103	56,984	1,420	SH		DFND		1,420	0	0
DREAM FINDERS HOMES INC. - CLASS A	CONSUMER DISCRETIONARY	26154D100	14,311	615	SH		SOLE		615	0	0
DUKE ENERGY CORPORATION NEW	ENERGY	26441C204	401,088	3,723	SH		SOLE		3,723	0	0
DUKE ENERGY CORPORATION NEW	ENERGY	26441C204	86,407	802	SH		DFND		802	0	0
EOG RESOURCES INC	ENERGY	26875P101	12,748	104	SH		SOLE		104	0	0
EBAY INC	CONSUMER DISCRETIONARY	278642103	12,823	207	SH		SOLE		207	0	0
ECOLAB INC.	MATERIALS	278865100	17,574	75	SH		SOLE		75	0	0
ELECTRONIC ARTS INC	INFORMATION TECHNOLOGY	285512109	2,926	20	SH		SOLE		20	0	0
EMCOR GROUP INC. COMMON STOCK	INDUSTRIALS	29084Q100	190,633	420	SH		SOLE		420	0	0
EMERSON ELECTRIC	INDUSTRIALS	291011104	345,140	2,785	SH		SOLE		1,585	1,200	0
EMERSON ELECTRIC	INDUSTRIALS	291011104	197,048	1,590	SH		DFND		0	1,590	0
ENBRIDGE INC	ENERGY	29250N105	100,598	2,371	SH		SOLE		2,371	0	0
ENERGY TRANSFER LP COM UT LTD PTN	ENERGY	29273V100	137,011	6,994	SH		SOLE		6,994	0	0
ENTERGY CORPORATION	UTILITIES	29364G103	8,945	118	SH		SOLE		118	0	0
ENTERGY CORPORATION	UTILITIES	29364G103	121,296	1,600	SH		DFND		1,600	0	0
ENTERPRISE PRODUCTS PARTNERS L.P.	ENERGY	293792107	221,400	7,060	SH		SOLE		7,060	0	0
EQUITY RESIDENTIAL SHARES OF BENEFICIAL INT	FINANCIALS	29476L107	3,588	50	SH		SOLE		50	0	0
ESPEY MFG. & ELECTRONICS CORP	INDUSTRIALS	296650104	59,345	1,969	SH		SOLE		1,969	0	0
ESPEY MFG. & ELECTRONICS CORP	INDUSTRIALS	296650104	6,028	200	SH		DFND		100	0	100
ETSY INC	CONSUMER DISCRETIONARY	29786A106	8,725	165	SH		SOLE		165	0	0
EVERUS CONSTRUCTION GROUP	INDUSTRIALS	300426103	16,437	250	SH		SOLE		250	0	0
EXACT SCIENCES CORP COM	HEALTHCARE	30063P105	12,640	225	SH		SOLE		225	0	0
RANGE NUCLEAR RENAISSANCE ETF	EXCHANGE TRADED FUND - EQUITY	301505475	9,000	220	SH		SOLE		220	0	0
EXELON CORP	UTILITIES	30161N101	45,113	1,199	SH		SOLE		924	275	0
EXELON CORP	UTILITIES	30161N101	41,016	1,090	SH		DFND		1,090	0	0
EXXON MOBIL CORP	ENERGY	30231G102	2,132,745	19,827	SH		SOLE		15,022	4,805	0
EXXON MOBIL CORP	ENERGY	30231G102	536,446	4,987	SH		DFND		2,217	2,770	0
META PLATFORMS INC	INFORMATION TECHNOLOGY	30303M102	3,017,099	5,153	SH		SOLE		5,153	0	0
META PLATFORMS INC	INFORMATION TECHNOLOGY	30303M102	40,985	70	SH		DFND		70	0	0
FAIR ISAAC CORPORATION	INFORMATION TECHNOLOGY	303250104	29,863	15	SH		SOLE		15	0	0
FASTLY INC CLASS A	INFORMATION TECHNOLOGY	31188V100	2,926	310	SH		SOLE		310	0	0
FEDERAL REALTY INVESTMENT TRUST COMMON STOCK	FINANCIALS	313745101	9,739	87	SH		SOLE		87	0	0
FEDEX CORPORATION	INDUSTRIALS	31428X106	196,907	700	SH		SOLE		700	0	0
FEDEX CORPORATION	INDUSTRIALS	31428X106	35,165	125	SH		DFND		125	0	0
FIDELITY MSCI INFORMATION TECHNOLOGY INDEX ETF	INFORMATION TECHNOLOGY	316092808	550,941	2,980	SH		SOLE		2,980	0	0
FIDELITY NATIONAL FINANCIAL INC. COM	FINANCIALS	31620R303	22,452	400	SH		SOLE		400	0	0
FIFTH THIRD BANCORP	FINANCIALS	316773100	28,532	675	SH		SOLE		675	0	0
1STDIBS.COM INC	INFORMATION TECHNOLOGY	320551104	3,371	955	SH		SOLE		955	0	0
FIRST TRUST NASDAQ CLEAN EDGE GREEN ENERGY ETF	ENERGY	33733E500	36,744	1,083	SH		SOLE		1,083	0	0
FIRST TRUST NATRUAL GAS ETF	EXCHANGE TRADED FUND - EQUITY	33733E807	79,100	3,213	SH		SOLE		3,213	0	0
FIRSTENERGY CORP	UTILITIES	337932107	2,187	55	SH		SOLE		55	0	0
FORD MOTOR CO DEL	CONSUMER DISCRETIONARY	345370860	32,670	3,300	SH		SOLE		3,300	0	0
FORTINET INC. COMMON STOCK	INFORMATION TECHNOLOGY	34959E109	4,724	50	SH		SOLE		50	0	0
FORTIVE CORPORATION	INFORMATION TECHNOLOGY	34959J108	7,500	100	SH		DFND		100	0	0
FRANKLIN FTSE INDIA ETF	Exchange Traded Funds - Equity	35473P769	10,533	278	SH		SOLE		278	0	0
FREEPORT-MCMORAN COPPER & GOLD CLASS B	MATERIALS	35671D857	21,699	570	SH		SOLE		570	0	0
FRESHPET INC	CONSUMER STAPLES	358039105	11,108	75	SH		SOLE		75	0	0
FULGENT GENETICS INC.	HEALTHCARE	359664109	15,875	860	SH		SOLE		860	0	0
GATX CORPORATION	INDUSTRIALS	361448103	61,984	400	SH		SOLE		400	0	0
GE HEALTHCARE TECHNOLOGIES, INC.	HEALTHCARE	36266G107	83,102	1,063	SH		SOLE		701	362	0
GE HEALTHCARE TECHNOLOGIES, INC.	HEALTHCARE	36266G107	312	4	SH		DFND		0	0	4
GAMESTOP CORP NEW CL A	CONSUMER DISCRETIONARY	36467W109	376	12	SH		SOLE		12	0	0
GE VERNOVA INC COM	INDUSTRIALS	36828A101	321,016	976	SH		SOLE		705	271	0
GE VERNOVA INC COM	INDUSTRIALS	36828A101	986	3	SH		DFND		0	0	3
GENERAL DYNAMICS CORPORATION	INDUSTRIALS	369550108	771,189	2,927	SH		SOLE		2,927	0	0
GENERAL DYNAMICS CORPORATION	INDUSTRIALS	369550108	17,126	65	SH		DFND		65	0	0
GENERAL MILLS, INC	CONSUMER STAPLES	370334104	40,175	630	SH		SOLE		30	600	0
GENERAL MILLS, INC	CONSUMER STAPLES	370334104	89,278	1,400	SH		DFND		1,400	0	0
GILEAD SCIENCES, INC.	HEALTHCARE	375558103	168,292	1,822	SH		SOLE		1,822	0	0
GINKGO BIOWORKS HOLDINGS	MATERIALS	37611X209	422	43	SH		SOLE		43	0	0
GLADSTONE LAND CORPORATION	REAL ESTATE	376549101	3,255	300	SH		SOLE		300	0	0
GLOBALXDATA CENTER & DIGITALINFRASTRUCTURE ETF	EXCHANGE TRADED FUND - EQUITY	37954Y236	9,411	569	SH		SOLE		569	0	0
GLOBAL X MLP AND ENERGY INFRASTRUCTURE ETF	ENERGY	37954Y293	61,468	1,015	SH		SOLE		1,015	0	0
GLOBAL X AUTONOMOUS & ELECTRIC VEHICLE ETF	EXCHANGE TRADED FUND - EQUITY	37954Y624	28,917	1,260	SH		SOLE		1,260	0	0
GLOBAL X ARTIFICIAL INTEL & TECH EFT	EXCHANGE TRADED FUND - EQUITY	37954Y632	277,704	7,189	SH		SOLE		7,189	0	0
GOLDMAN SACHS GROUP INC	FINANCIALS	38141G104	11,452	20	SH		SOLE		20	0	0
W.W. GRAINGER	INDUSTRIALS	384802104	49,539	47	SH		SOLE		47	0	0
GUARDANT HEALTH INC.	HEALTHCARE	40131M109	3,512	115	SH		SOLE		115	0	0
THE HERSHEY COMPANY	CONSUMER STAPLES	427866108	84,166	497	SH		SOLE		497	0	0
HOME DEPOT INC	CONSUMER DISCRETIONARY	437076102	3,470,812	8,923	SH		SOLE		7,924	999	0
HOME DEPOT INC	CONSUMER DISCRETIONARY	437076102	404,539	1,040	SH		DFND		400	640	0
HONEYWELL INTERNATIONAL INC	INDUSTRIALS	438516106	805,956	3,568	SH		SOLE		3,568	0	0
HUB GROUP INC	INDUSTRIALS	443320106	44,560	1,000	SH		SOLE		1,000	0	0
HUBSPOT INC.	INFORMATION TECHNOLOGY	443573100	111,483	160	SH		SOLE		160	0	0
ILLINOIS TOOL WORKS INC.	INDUSTRIALS	452308109	254,061	1,002	SH		SOLE		1,002	0	0
IMMUNITYBIO INC.	HEALTHCARE	45256X103	382	150	SH		SOLE		150	0	0
INTEL CORP	INFORMATION TECHNOLOGY	458140100	540,926	26,994	SH		SOLE		24,793	2,201	0
INTEL CORP	INFORMATION TECHNOLOGY	458140100	114,848	5,731	SH		DFND		5,248	483	0
CORECARD CORPORATION	INFORMATION TECHNOLOGY	45816D100	6,015	265	SH		SOLE		265	0	0
INTERACTIVE BROKERS GRO-CL A	FINANCIALS	45841N107	44,167	250	SH		SOLE		250	0	0
INTL BUSINESS MACHINES	INFORMATION TECHNOLOGY	459200101	1,481,412	6,739	SH		SOLE		6,739	0	0
INTL BUSINESS MACHINES	INFORMATION TECHNOLOGY	459200101	357,221	1,625	SH		DFND		753	872	0
INTERNATIONAL PAPER CO	MATERIALS	460146103	15,334	285	SH		SOLE		285	0	0
INTUITIVE SURGICAL INC	HEALTHCARE	46120E602	26,618	51	SH		SOLE		51	0	0
INTUIT INC	INFORMATION TECHNOLOGY	461202103	11,941	19	SH		SOLE		19	0	0
INTUITIVE MACHINES INC CLASS A COM	INDUSTRIALS	46125A100	6,715	370	SH		SOLE		370	0	0
INVESCO AEROSPACE & DEFENSE EFT	EXCHANGE TRADED FUND - EQUITY	46137V100	26,961	235	SH		SOLE		235	0	0
INVESCO PREFERRED ETF	EXCHANGE TRADED FUND-FIXED INC	46138E511	9,224	800	SH		SOLE		800	0	0
INVESCO GLOBAL WATER ETF	EXCHANGE TRADED FUND - EQUITY	46138E651	58,575	1,500	SH		SOLE		1,500	0	0
INVESCO EXCH TRADED FD TR IISOLAR ETF	ENERGY	46138G706	3,145	95	SH		SOLE		95	0	0
IQIYI, INC. - ADR	INFORMATION TECHNOLOGY	46267X108	200	100	SH		SOLE		100	0	0
IROBOT CORPORATION	INDUSTRIALS	462726100	232	30	SH		SOLE		30	0	0
ETF ISHARES SILVER TR	EXCHANGE TRADED FUND - EQUITY	46428Q109	109,648	4,166	SH		SOLE		4,166	0	0
ISHARES MSCI AUSTRALIA ETF	MUTUAL FUND	464286103	7,158	300	SH		DFND		300	0	0
ISHARES MSCI CANADA ETF	MUTUAL FUND	464286509	10,072	250	SH		DFND		250	0	0
ISHARES S & P 100 ETF	MUTUAL FUND	464287101	1,555,401	5,385	SH		SOLE		5,385	0	0
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF	EXCHANGE TRADED FUND - EQUITY	464287150	168,749	1,312	SH		SOLE		1,312	0	0
ISHARES SELECT DIVIDEND ETF	EXCHANGE TRADED FUND - EQUITY	464287168	59,080	450	SH		SOLE		450	0	0
ISHARES TIPS BOND ETF	EXCHANGE TRADED FUND-FIXED INC	464287176	3,457,736	32,452	SH		SOLE		32,057	0	395
ISHARES TIPS BOND ETF	EXCHANGE TRADED FUND-FIXED INC	464287176	422,682	3,967	SH		DFND		3,660	307	0
ISHARES CORE S&P 500 ETF	EXCHANGE TRADED FUND - EQUITY	464287200	71,229	121	SH		SOLE		121	0	0
ISHARES CORE TOTAL US AGGREGATE BOND ETF-W	EXCHANGE TRADED FUND-FIXED INC	46428722W	111,530	1,151	SH		SOLE		1,151	0	0
ISHARES CORE TOTAL US AGGREGATE BOND ETF	EXCHANGE TRADED FUND-FIXED INC	464287226	3,069,983	31,682	SH		SOLE		31,682	0	0
ISHARES MSCI EMERGING MARKETS ETF	EXCHANGE TRADED FUND - EQUITY	464287234	14,215	340	SH		SOLE		340	0	0
ISHARES IBOXX $INVESTMENT BOND FD	EXCHANGE TRADED FUND-FIXED INC	464287242	121,583	1,138	SH		SOLE		1,138	0	0
ISHARES S&P 500 GROWTH ETF	Exchange Traded Funds - Equity	464287309	54,521	537	SH		SOLE		537	0	0
ISHARES MSCI EAFE ETF FUND	EXCHANGE TRADED FUND - EQUITY	464287465	984,937	13,027	SH		SOLE		13,027	0	0
ISHARES MSCI EAFE ETF FUND	EXCHANGE TRADED FUND - EQUITY	464287465	15,122	200	SH		DFND		0	200	0
ISHARES RUSSELL MIDCAP GROWTH INDEX FUND	EXCHANGE TRADED FUND - EQUITY	464287481	37,517	296	SH		SOLE		296	0	0
ISHARES RUSSELL MIDCAP ETF	EXCHANGE TRADED FUND - EQUITY	464287499	323,454	3,659	SH		SOLE		3,659	0	0
ISHARES CORE S&P MID CAP ETF	EXCHANGE TRADED FUND - EQUITY	464287507	651,012	10,448	SH		SOLE		10,448	0	0
ISHARES CORE S&P MID CAP ETF	EXCHANGE TRADED FUND - EQUITY	464287507	46,732	750	SH		DFND		0	750	0
ISHARES RUSSELL 1000 VALUE INDEX FUND	EXCHANGE TRADED FUND - EQUITY	464287598	891,768	4,817	SH		SOLE		4,817	0	0
ISHARES S&P M-D-CAP 400 GROWTH ETF	Exchange Traded Funds - Equity	464287606	10,184	112	SH		SOLE		112	0	0
ISHARES RUSSELL 1000 GROWTH ETF	EXCHANGE TRADED FUND - EQUITY	464287614	3,467,117	8,634	SH		SOLE		8,634	0	0
ISHARES RUSSELL 1000 GROWTH ETF	EXCHANGE TRADED FUND - EQUITY	464287614	7,228	18	SH		DFND		18	0	0
ISHARES RUSSELL 2000 GROWTH ETF	EXCHANGE TRADED FUND - EQUITY	464287648	388,268	1,349	SH		SOLE		1,349	0	0
ISHARES RUSSELL 2000 ETF	EXCHANGE TRADED FUND - EQUITY	464287655	317,518	1,437	SH		SOLE		1,437	0	0
ISHARES U.S. TECHNOLOGY ETF	INFORMATION TECHNOLOGY	464287721	64,127	402	SH		SOLE		402	0	0
ISHARES CORE S&P SMALL-CAP ETF	EXCHANGE TRADED FUND - EQUITY	464287804	3,916,753	33,994	SH		SOLE		33,914	0	80
ISHARES CORE S&P SMALL-CAP ETF	EXCHANGE TRADED FUND - EQUITY	464287804	210,735	1,829	SH		DFND		540	1,289	0
ISHARES US CONSUMER STAPLES EFT	EXCHANGE TRADED FUND - EQUITY	464287812	266,938	4,070	SH		SOLE		4,070	0	0
ETF ISHARES GLOBAL CLEAN ENERGY	ENERGY	464288224	32,351	2,843	SH		SOLE		2,843	0	0
ISHARES MSCI KLD 400 SOCIAL	EXCHANGE TRADED FUND - EQUITY	464288570	85,994	780	SH		SOLE		780	0	0
ISHARES DOW JONES US HOME CONSTRUCTION INDEX	EXCHANGE TRADED FUND - EQUITY	464288752	53,347	516	SH		SOLE		516	0	0
ISHARES MSCI USA ESG SELECT	EXCHANGE TRADED FUND - EQUITY	464288802	295,097	2,427	SH		SOLE		2,427	0	0
ISHARES MSCI EAFE GROWTH ETF	EXCHANGE TRADED FUND - EQUITY	464288885	29,920	309	SH		SOLE		309	0	0
ISHARES US TREASURY BOND ETF	ETF's - Fixed Income	46429B267	123,946	5,396	SH		SOLE		5,396	0	0
ISHARES MSCI SINGAPORE ETF	EXCHANGE TRADED FUND - EQUITY	46434G780	5,764	264	SH		DFND		264	0	0
ISHARES IBONDS DEC 2025 CORP-ETF	EXCHANGE TRADED FUND-FIXED INC	46434VBD1	207,109	8,272	SH		SOLE		8,272	0	0
ISHARES IBONDS DEC 2026 TERMCORPORATE ETF	EXCHANGE TRADED FUND-FIXED INC	46435GAA0	580,243	24,118	SH		SOLE		24,118	0	0
ISHARE HIGH YIELD BOND FACTOR EFT	EXCHANGE TRADED FUND-FIXED INC	46435G250	41,454	882	SH		SOLE		882	0	0
ISHARES IBONDS DEC 2027 CORPORATE ETF	EXCHANGE TRADED FUND-FIXED INC	46435UAA9	814,180	33,997	SH		SOLE		33,997	0	0
ISHARES IBONDS DEC 2028 TERM CORPORATE ETF	EXCHANGE TRADED FUND-FIXED INC	46435U515	1,850,176	74,336	SH		SOLE		74,336	0	0
ISHARES IBONDS DEC 2028 TERM CORPORATE ETF	EXCHANGE TRADED FUND-FIXED INC	46435U515	44,802	1,800	SH		DFND		0	1,800	0
ISHARES IBONDS DEC 2033 TERMCORPORATE ETF	EXCHANGE TRADED FUND-FIXED INC	46436E130	503,715	20,077	SH		SOLE		20,077	0	0
ISHARES IBONDS DEC 2029 TERM CORPORATE ETF	EXCHANGE TRADED FUND-FIXED INC	46436E205	1,884,542	82,694	SH		SOLE		82,694	0	0
ISHARES IBONDS DEC 2029 TERM CORPORATE ETF	EXCHANGE TRADED FUND-FIXED INC	46436E205	44,098	1,935	SH		DFND		0	1,935	0
ISHARES TRUST IBONDS DEC2032TERM CORP ETF	EXCHANGE TRADED FUND-FIXED INC	46436E312	728,553	29,653	SH		SOLE		28,643	0	1,010
ISHARES TRUST IBONDS DEC2032TERM CORP ETF	EXCHANGE TRADED FUND-FIXED INC	46436E312	34,398	1,400	SH		DFND		0	1,400	0
ISHARES IBONDS DEC 2031 TERM CORPORATE ETF	EXCHANGE TRADED FUND-FIXED INC	46436E486	2,008,111	98,730	SH		SOLE		97,500	0	1,230
ISHARES IBONDS DEC 2031 TERM CORPORATE ETF	EXCHANGE TRADED FUND-FIXED INC	46436E486	44,442	2,185	SH		DFND		0	2,185	0
ISHARES IBONDS DEC 2030 TERM CORP-ETF	EXCHANGE TRADED FUND-FIXED INC	46436E726	1,641,962	76,873	SH		SOLE		76,873	0	0
ISHARES IBONDS DEC 2030 TERM CORP-ETF	EXCHANGE TRADED FUND-FIXED INC	46436E726	44,108	2,065	SH		DFND		0	2,065	0
ISSUER DIRECT CORPORATION	INFORMATION TECHNOLOGY	46520M204	2,860	320	SH		SOLE		320	0	0
JPMORGAN CHASE & CO COM	FINANCIALS	46625H100	5,135,245	21,423	SH		SOLE		20,433	965	25
JPMORGAN CHASE & CO COM	FINANCIALS	46625H100	233,716	975	SH		DFND		945	30	0
JPMORGAN BETABUILDER ETF	EXCHANGE TRADED FUND - EQUITY	46641Q399	54,647	516	SH		SOLE		516	0	0
JD.COM INC.-ADR	CONSUMER DISCRETIONARY	47215P106	2,426	70	SH		SOLE		70	0	0
JOHNSON & JOHNSON	HEALTHCARE	478160104	2,975,197	20,573	SH		SOLE		19,435	1,108	30
JOHNSON & JOHNSON	HEALTHCARE	478160104	475,651	3,289	SH		DFND		1,385	1,904	0
KLA-TENCOR CORPORATION	INFORMATION TECHNOLOGY	482480100	6,301	10	SH		SOLE		10	0	0
KELLOGG COMPANY	CONSUMER STAPLES	487836108	102,588	1,267	SH		DFND		1,267	0	0
KIMBERLY CLARK	CONSUMER STAPLES	494368103	185,027	1,412	SH		SOLE		1,412	0	0
KIMBERLY CLARK	CONSUMER STAPLES	494368103	131,040	1,000	SH		DFND		1,000	0	0
KINDER MORGAN INC.	ENERGY	49456B101	69,952	2,554	SH		SOLE		2,554	0	0
KROGER COMPANY	CONSUMER STAPLES	501044101	33,815	553	SH		SOLE		553	0	0
L3HARRIS TECHNOLOGIES INC. COMMON STOCK	INDUSTRIALS	502431109	4,205	20	SH		SOLE		20	0	0
LENNAR COPORATION CLASS A	CONSUMER DISCRETIONARY	526057104	12,273	90	SH		SOLE		90	0	0
LENNAR CORPORATION CLASS B	CONSUMER DISCRETIONARY	526057302	132	1	SH		SOLE		1	0	0
ELI LILLY & CO	HEALTHCARE	532457108	2,854,856	3,698	SH		SOLE		3,698	0	0
ELI LILLY & CO	HEALTHCARE	532457108	714,872	926	SH		DFND		846	80	0
LINCOLN ELECTRIC HOLDING INC	INDUSTRIALS	533900106	9,373	50	SH		SOLE		50	0	0
LINCOLN NATIONAL CORPORATION	FINANCIALS	534187109	31,700	1,000	SH		SOLE		1,000	0	0
LITTELFUSE INC	INFORMATION TECHNOLOGY	537008104	11,782	50	SH		SOLE		50	0	0
LOCKHEED MARTIN CORP	INDUSTRIALS	539830109	2,459,779	5,062	SH		SOLE		4,742	320	0
LOCKHEED MARTIN CORP	INDUSTRIALS	539830109	432,486	890	SH		DFND		890	0	0
LOWES COMPANIES INC	CONSUMER DISCRETIONARY	548661107	667,835	2,706	SH		SOLE		2,664	0	42
LOWES COMPANIES INC	CONSUMER DISCRETIONARY	548661107	59,232	240	SH		DFND		240	0	0
LULULEMON ATHLETICA INC	CONSUMER DISCRETIONARY	550021109	248,929	651	SH		SOLE		651	0	0
MDU RESOURCES GROUP INC	ENERGY	552690109	18,020	1,000	SH		SOLE		1,000	0	0
MGM MIRAGE	CONSUMER DISCRETIONARY	552953101	3,360	97	SH		SOLE		97	0	0
MPLX LP	ENERGY	55336V100	177,082	3,700	SH		SOLE		3,700	0	0
MANULIFE FINANCIAL	FINANCIALS	56501R106	4,113	134	SH		SOLE		134	0	0
MARATHON PETROLEUM CORPORATION	ENERGY	56585A102	149,265	1,070	SH		SOLE		1,070	0	0
MARKEL GROUP INC	FINANCIALS	570535104	20,714	12	SH		SOLE		12	0	0
MARRIOTT INTERNATIONAL INC. CLASS A	CONSUMER DISCRETIONARY	571903202	18,131	65	SH		SOLE		65	0	0
MARVELL TECHNOLOGY INC. COMMON STOCK	INFORMATION TECHNOLOGY	573874104	221,560	2,006	SH		SOLE		2,006	0	0
MASIMO CORPORATION	HEALTHCARE	574795100	1,983	12	SH		SOLE		12	0	0
MASTERCARD INC - CLASS A	INFORMATION TECHNOLOGY	57636Q104	350,165	665	SH		SOLE		600	65	0
MCCORMICK & CO.	CONSUMER STAPLES	579780206	121,984	1,600	SH		SOLE		200	1,400	0
MCDONALDS CORP	CONSUMER DISCRETIONARY	580135101	2,766,570	9,544	SH		SOLE		8,744	785	15
MCDONALDS CORP	CONSUMER DISCRETIONARY	580135101	673,099	2,322	SH		DFND		1,200	1,122	0
MCGRATH RENTCORP	CONSUMER DISCRETIONARY	580589109	55,910	500	SH		SOLE		500	0	0
MCKESSON CORPORATION	HEALTHCARE	58155Q103	202,312	355	SH		SOLE		355	0	0
MERCADOLIBRE INC	INFORMATION TECHNOLOGY	58733R102	25,506	15	SH		SOLE		15	0	0
MERCK & CO., INC	HEALTHCARE	58933Y105	884,356	8,890	SH		SOLE		8,590	300	0
MERCK & CO., INC	HEALTHCARE	58933Y105	187,519	1,885	SH		DFND		1,885	0	0
METLIFE INC	FINANCIALS	59156R108	1,200,083	14,657	SH		SOLE		14,627	0	30
METLIFE INC	FINANCIALS	59156R108	104,560	1,277	SH		DFND		1,277	0	0
MICROSOFT CORP	INFORMATION TECHNOLOGY	594918104	10,032,083	23,801	SH		SOLE		22,433	1,368	0
MICROSOFT CORP	INFORMATION TECHNOLOGY	594918104	225,081	534	SH		DFND		80	454	0
MID-AMERICA APARTMENT COMMUNITIES INC.	REAL ESTATE	59522J103	3,864	25	SH		SOLE		25	0	0
MIMEDX GROUP INC COM	HEALTHCARE	602496101	3,751	390	SH		SOLE		390	0	0
MITEK SYSTEMS INC.	INFORMATION TECHNOLOGY	606710200	10,017	900	SH		SOLE		900	0	0
MONDELEZ INTERNATIONAL INC	CONSUMER STAPLES	609207105	104,746	1,754	SH		SOLE		754	1,000	0
MONGODB, INC.	INFORMATION TECHNOLOGY	60937P106	20,487	88	SH		SOLE		88	0	0
MORGAN STANLEY	FINANCIALS	617446448	681,511	5,421	SH		SOLE		5,421	0	0
MUELLER INDUSTRIES INC. COMMON STOCK	MATERIALS	624756102	95,232	1,200	SH		SOLE		1,200	0	0
NASDAQ STOCK MARKET INC	FINANCIALS	631103108	11,596	150	SH		SOLE		150	0	0
NATIONAL FUEL GAS CO. NJ	UTILITIES	636180101	16,687	275	SH		SOLE		275	0	0
NETAPP, INC.	INFORMATION TECHNOLOGY	64110D104	11,608	100	SH		SOLE		100	0	0
NETFLIX INC	INFORMATION TECHNOLOGY	64110L106	810,199	909	SH		SOLE		909	0	0
NEWMONT CORPORATION	MATERIALS	651639106	48,832	1,312	SH		SOLE		1,312	0	0
NEXTERA ENERGY INC	UTILITIES	65339F101	1,945,991	27,145	SH		SOLE		25,945	1,200	0
NICE LTD - AMERICAN DEPOSITORY SHARES	INFORMATION TECHNOLOGY	653656108	5,095	30	SH		SOLE		30	0	0
NIKE, INC	CONSUMER DISCRETIONARY	654106103	295,944	3,911	SH		SOLE		3,911	0	0
NORFOLK SOUTHERN CORPORATION	INDUSTRIALS	655844108	35,205	150	SH		SOLE		150	0	0
NORTHROP GRUMMAN CORP	INDUSTRIALS	666807102	305,028	650	SH		SOLE		650	0	0
NOVARTIS AG - ADR	FOREIGN EQUITIES	66987V109	22,186	228	SH		SOLE		98	130	0
NUCOR	MATERIALS	670346105	176,231	1,510	SH		SOLE		910	600	0
NUCOR	MATERIALS	670346105	93,368	800	SH		DFND		800	0	0
NVIDIA CORP.	INFORMATION TECHNOLOGY	67066G104	11,519,088	85,778	SH		SOLE		85,778	0	0
NUVEEN QUALITY MUNICIPAL INCOME FUND	MUTUAL FUNDS-NON TAX	67066V101	7,800	669	SH		SOLE		669	0	0
NUVEEN NEW YORK QUALITY MUNICIPAL INCOME FD	MUTUAL FUNDS-NON TAX	67066X107	33,060	2,900	SH		SOLE		2,900	0	0
NUVEEN AMT-FREE MUNI CREDIT INCOME FUND	MUTUAL FUNDS-NON TAX	67071L106	19,003	1,550	SH		SOLE		1,550	0	0
NUSHARES ETF TR NUVEEN ESG SMLCP	EXCHANGE TRADED FUND - EQUITY	67092P607	586	14	SH		SOLE		14	0	0
OCCIDENTAL PETROLEUM CORP	ENERGY	674599105	15,165	307	SH		SOLE		307	0	0
ONEOK INC	ENERGY	682680103	193,769	1,930	SH		SOLE		1,930	0	0
OPERA LIMITED AMERICAN DEPOSITARY	INFORMATION TECHNOLOGY	68373M107	10,184	538	SH		SOLE		538	0	0
ORACLE CORPORATION	INFORMATION TECHNOLOGY	68389X105	1,415,085	8,492	SH		SOLE		8,492	0	0
ORACLE CORPORATION	INFORMATION TECHNOLOGY	68389X105	28,328	170	SH		DFND		0	170	0
OTIS WORLDWIDE CORPORATION	INDUSTRIALS	68902V107	152,429	1,646	SH		SOLE		1,296	350	0
OTIS WORLDWIDE CORPORATION	INDUSTRIALS	68902V107	30,280	327	SH		DFND		327	0	0
OUTSET MEDICAL INC.	HEALTHCARE	690145107	308	280	SH		SOLE		280	0	0
OWENS CORNING INC.	MATERIALS	690742101	3,576	21	SH		SOLE		21	0	0
PNC FINANCIAL SERVICES GROUP INC	FINANCIALS	693475105	62,481	324	SH		SOLE		324	0	0
PPL CORP	UTILITIES	69351T106	3,245	100	SH		SOLE		100	0	0
PACER SMALL CAP ETF	EXCHANGE TRADED FUND - EQUITY	69374H857	443,168	10,072	SH		SOLE		10,072	0	0
PACIRA BIOSCIENCES, INC	HEALTHCARE	695127100	11,304	600	SH		SOLE		600	0	0
PALANTIR TECHNOLOGIES INC. CLASS A COMMON STOCK	INFORMATION TECHNOLOGY	69608A108	20,571	272	SH		SOLE		272	0	0
PALO ALTO NETWORKS INC	INFORMATION TECHNOLOGY	697435105	91,886	505	SH		SOLE		505	0	0
PARKER HANNIFIN CORP	MATERIALS	701094104	36,888	58	SH		SOLE		58	0	0
PAYCHEX INC	INFORMATION TECHNOLOGY	704326107	10,796	77	SH		SOLE		77	0	0
PELOTON INTERACTIVE INC CLASS A	CONSUMER DISCRETIONARY	70614W100	6,003	690	SH		SOLE		690	0	0
PEPSICO INC	CONSUMER STAPLES	713448108	2,627,677	17,281	SH		SOLE		16,986	295	0
PEPSICO INC	CONSUMER STAPLES	713448108	521,564	3,430	SH		DFND		1,815	1,615	0
PETROLEO BRASILEIRO S.A. ADR	FOREIGN EQUITIES	71654V101	11,840	1,000	SH		SOLE		1,000	0	0
PFIZER INC	HEALTHCARE	717081103	1,005,848	37,929	SH		SOLE		35,373	2,556	0
PFIZER INC	HEALTHCARE	717081103	102,791	3,876	SH		DFND		3,610	266	0
PHILIP MORRIS INTERNATIONAL W/I	CONSUMER DISCRETIONARY	718172109	266,570	2,215	SH		SOLE		2,215	0	0
PHILLIPS 66	ENERGY	718546104	987,509	8,668	SH		SOLE		8,588	80	0
PHILLIPS 66	ENERGY	718546104	142,982	1,255	SH		DFND		1,255	0	0
PHOTRONICS INC.	INFORMATION TECHNOLOGY	719405102	9,113	387	SH		SOLE		387	0	0
PINTEREST INC CL A	COMMUNICATION SERVICES	72352L106	26,535	915	SH		SOLE		915	0	0
PLAINS ALL AMERICAN PIPELINE	ENERGY	726503105	184,356	10,800	SH		SOLE		10,800	0	0
PLUG POWER INC.	INFORMATION TECHNOLOGY	72919P202	3,180	1,500	SH		SOLE		1,500	0	0
POST HOLDINGS INC	CONSUMER STAPLES	737446104	5,723	50	SH		SOLE		50	0	0
T ROWE PRICE GROUP INC	FINANCIALS	74144T108	32,230	285	SH		SOLE		285	0	0
PROCTER & GAMBLE CO	CONSUMER STAPLES	742718109	4,205,268	25,084	SH		SOLE		23,377	1,672	35
PROCTER & GAMBLE CO	CONSUMER STAPLES	742718109	740,338	4,416	SH		DFND		2,620	1,796	0
PROLOGIS, INC.	REAL ESTATE	74340W103	2,008	19	SH		SOLE		19	0	0
PRUDENTIAL FINANCIAL INC	FINANCIALS	744320102	345,974	2,919	SH		SOLE		2,919	0	0
PRUDENTIAL FINANCIAL INC	FINANCIALS	744320102	86,526	730	SH		DFND		730	0	0
PUBLIC SERVICE ENTERPRISE GROUP, INC	UTILITIES	744573106	11,068	131	SH		SOLE		131	0	0
PUBMATIC INC COM CL A	CONSUMER DISCRETIONARY	74467Q103	8,064	549	SH		SOLE		549	0	0
PULTEGROUP, INC	INDUSTRIALS	745867101	88,753	815	SH		SOLE		815	0	0
QUALCOMM INC	INFORMATION TECHNOLOGY	747525103	1,562,591	10,172	SH		SOLE		9,934	217	21
QUANTA SERVICES INC	INDUSTRIALS	74762E102	137,476	435	SH		SOLE		435	0	0
QUEST DIAGNOSTICS	HEALTHCARE	74834L100	2,413	16	SH		SOLE		16	0	0
REGENERON PHARMACEUTICALS	HEALTHCARE	75886F107	308,420	433	SH		SOLE		433	0	0
RELAY THERAPEUTICS INC COM	HEALTHCARE	75943R102	1,417	344	SH		SOLE		344	0	0
REPLIGEN CORPORATION	HEALTHCARE	759916109	35,985	250	SH		SOLE		250	0	0
RIMINI STREET INC.	INFORMATION TECHNOLOGY	76674Q107	4,178	1,565	SH		SOLE		1,565	0	0
RIO TINTO PLC	MATERIALS	767204100	88,214	1,500	SH		SOLE		1,500	0	0
ROBLOX CORP CL A	CONSUMER DISCRETIONARY	771049103	4,397	76	SH		SOLE		76	0	0
ROCHE HOLDING AG	HEALTHCARE	771195104	3,592	103	SH		SOLE		103	0	0
ROKU INC	CONSUMER DISCRETIONARY	77543R102	7,062	95	SH		SOLE		95	0	0
RYMAN HOSPITALITY PROPERTIES(REIT)	FINANCIALS	78377T107	4,695	45	SH		SOLE		45	0	0
SPDR S & P 500 ETF TRUST	EXCHANGE TRADED FUND - EQUITY	78462F103	30,606,798	52,223	SH		SOLE		52,223	0	0
SPDR S & P 500 ETF TRUST	EXCHANGE TRADED FUND - EQUITY	78462F103	2,130,398	3,635	SH		DFND		1,020	2,615	0
SPDR GOLD TRUST	EXCHANGE TRADED FUND - EQUITY	78463V107	326,628	1,349	SH		SOLE		1,349	0	0
SPDR NYSE TECHNOLOGY ETF	INFORMATION TECHNOLOGY	78464A102	51,460	255	SH		SOLE		255	0	0
SPDR S&P 600 SMALL CAP GROWTH EFT	EXCHANGE TRADED FUND - EQUITY	78464A201	6,776	75	SH		SOLE		75	0	0
SPDR PORTFOLIO TIP ETF	EXCHANGE TRADED FUND-FIXED INC	78464A656	28,614	1,131	SH		SOLE		1,131	0	0
SPDR S&P REGIONAL BANKING ETF	FINANCIALS	78464A698	22,631	375	SH		SOLE		375	0	0
SPDR S&P DIVIDEND ETF	EXCHANGE TRADED FUND - EQUITY	78464A763	192,866	1,460	SH		SOLE		1,460	0	0
ETF SPDR S&P BIOTECH	HEALTHCARE	78464A870	111,674	1,240	SH		SOLE		1,240	0	0
S&P MIDCAP 400 DEPOSITORY RECEIPTS ETF -W	EXCHANGE TRADED FUND - EQUITY	78467Y10W	10,821	19	SH		SOLE		19	0	0
S & P MIDCAP 400 DEPOSITORY RECEIPTS ETF	EXCHANGE TRADED FUND - EQUITY	78467Y107	5,909,319	10,375	SH		SOLE		10,358	0	17
S & P MIDCAP 400 DEPOSITORY RECEIPTS ETF	EXCHANGE TRADED FUND - EQUITY	78467Y107	251,752	442	SH		DFND		230	212	0
SPDR NUVEEN BLOOMBERG BARCLAY MUNICIPAL BOND ETF	EXCHANGE TRADED FUND-FIXED INC	78468R721	68,415	1,500	SH		SOLE		1,500	0	0
SALESFORCE, INC.	INFORMATION TECHNOLOGY	79466L302	478,735	1,432	SH		SOLE		1,432	0	0
SAP AKTIENGESELLSCHAFT ADR	FOREIGN EQUITIES	803054204	29,790	121	SH		SOLE		121	0	0
SCHLUMBERGER LTD	ENERGY	806857108	20,166	526	SH		SOLE		526	0	0
SCHLUMBERGER LTD	ENERGY	806857108	7,629	199	SH		DFND		0	199	0
CHARLES SCHWAB CORPORATION	FINANCIALS	808513105	12,210	165	SH		SOLE		165	0	0
SCHWAB U.S. SMALL-CAP ETF	EXCHANGE TRADED FUND - EQUITY	808524607	13,550	524	SH		SOLE		524	0	0
SCHWAB FUNDAMENTAL INTERNATIONAL SMALL COMPANY	EXCHANGE TRADED FUND - EQUITY	808524748	7,337	215	SH		SOLE		215	0	0
SCWAB FUNDAMENTAL INTERNATIONAL LARGE COMPANY	EXCHANGE TRADED FUND - EQUITY	808524755	11,985	361	SH		SOLE		361	0	0
SCHWAB FUNDAMENTAL U.S. SMALL COMPANY INDEX ETF	EXCHANGE TRADED FUND - EQUITY	808524763	12,177	410	SH		SOLE		410	0	0
SCHWAB FUNDAMENTAL U.S. LARGE COMPANY INDEX ETF	EXCHANGE TRADED FUND - EQUITY	808524771	27,350	1,155	SH		SOLE		1,155	0	0
MATERIAL SELECT SECTOR SPDR TRUST	MATERIALS	81369Y100	62,346	741	SH		SOLE		741	0	0
HEALTH CARE SELECT SECTOR SPDR FUND	HEALTHCARE	81369Y209	655,623	4,766	SH		SOLE		4,766	0	0
CONSUMER STAPLES SELECT SECTOR SPDR FUND	CONSUMER STAPLES	81369Y308	54,551	694	SH		SOLE		694	0	0
CONSUMER DISCRETIONARY SELE CT SECTOR SPDR FUND	CONSUMER DISCRETIONARY	81369Y407	143,582	640	SH		SOLE		640	0	0
ENERGY SELECT SECTOR SPDR FUND	ENERGY	81369Y506	669,837	7,821	SH		SOLE		7,821	0	0
FINANCIAL SELECT SECTOR SPDR FUND	FINANCIALS	81369Y605	746,921	15,455	SH		SOLE		15,455	0	0
INDUSTRIAL SELECT SECTOR SPDR FUND	INDUSTRIALS	81369Y704	302,244	2,294	SH		SOLE		2,294	0	0
TECHNOLOGY SELECT SECT SPDR	INFORMATION TECHNOLOGY	81369Y803	2,330,291	10,022	SH		SOLE		10,022	0	0
COMMUNICATION SERVICES SELECT SECTOR SPDR FUND	COMMUNICATION SERVICES	81369Y852	693,428	7,163	SH		SOLE		7,163	0	0
AMEX UTILITIES SELECT INDEX SHS BEN INT	UTILITIES	81369Y886	61,305	810	SH		SOLE		810	0	0
SEMPRA	UTILITIES	816851109	102,632	1,170	SH		SOLE		1,170	0	0
SENTINELONE INC CL A	INFORMATION TECHNOLOGY	81730H109	2,242	101	SH		SOLE		101	0	0
SHERWIN WILLIAMS COMPANY	CONSUMER DISCRETIONARY	824348106	68,323	201	SH		SOLE		201	0	0
SIEMENS AG	FOREIGN EQUITIES	826197501	19,528	202	SH		SOLE		202	0	0
SIMON PROPERTY GROUP	REAL ESTATE	828806109	6,888	40	SH		SOLE		40	0	0
SMITH-MIDLAND CORPORATION	INDUSTRIALS	832156103	14,668	330	SH		SOLE		330	0	0
J.M. SMUCKER COMPANY	CONSUMER STAPLES	832696405	174,759	1,587	SH		SOLE		636	951	0
SOUTHERN CO	UTILITIES	842587107	1,039,141	12,625	SH		SOLE		12,010	615	0
SOUTHERN CO	UTILITIES	842587107	275,324	3,345	SH		DFND		2,600	745	0
SPECTRUM BRANDS HOLDINGS INCCOMMON STOCK	CONSUMER STAPLES	84790A105	844	10	SH		SOLE		10	0	0
STARBUCKS CORPORATION	CONSUMER DISCRETIONARY	855244109	306,596	3,360	SH		SOLE		3,360	0	0
STARBUCKS CORPORATION	CONSUMER DISCRETIONARY	855244109	8,395	92	SH		DFND		0	92	0
STEPAN CO	MATERIALS	858586100	51,760	800	SH		SOLE		800	0	0
STITCH FIX, INC. - CLASS A	CONSUMER DISCRETIONARY	860897107	838	195	SH		SOLE		195	0	0
STRYKER CORP	HEALTHCARE	863667101	1,416,012	3,933	SH		SOLE		3,933	0	0
STRYKER CORP	HEALTHCARE	863667101	50,404	140	SH		DFND		140	0	0
SUMMIT THERAPEUTICS INC.	HEALTHCARE	86627T108	44,600	2,500	SH		SOLE		2,500	0	0
SUNCOR ENERGY INC NEW	FOREIGN EQUITIES	867224107	31,968	896	SH		SOLE		896	0	0
SYNOPSYS INC	INFORMATION TECHNOLOGY	871607107	14,075	29	SH		SOLE		29	0	0
SYSCO CORPORATION	CONSUMER STAPLES	871829107	60,707	794	SH		SOLE		794	0	0
TJX COS INC NEW	CONSUMER DISCRETIONARY	872540109	131,318	1,087	SH		SOLE		1,087	0	0
T-MOBILE US INC	COMMUNICATION SERVICES	872590104	6,621	30	SH		SOLE		30	0	0
T. ROWE PRICE DIVIDEND GROWTH ETF	EXCHANGE TRADED FUND - EQUITY	87283Q404	265,712	6,712	SH		SOLE		6,712	0	0
TAIWAN SEMICONDUCTOR MFG CO LTD ADR	FOREIGN EQUITIES	874039100	84,326	427	SH		SOLE		427	0	0
TAKE-TWO INTERACTIVE SOFTWARE, INC.	INFORMATION TECHNOLOGY	874054109	11,044	60	SH		SOLE		60	0	0
TARGET CORP	CONSUMER DISCRETIONARY	87612E106	496,896	3,676	SH		SOLE		3,504	130	42
TARGET CORP	CONSUMER DISCRETIONARY	87612E106	97,599	722	SH		DFND		0	722	0
TECK RESOURCES LTD	MATERIALS	878742204	3,930	97	SH		SOLE		97	0	0
TELADOC HEALTH INC.	HEALTHCARE	87918A105	2,972	327	SH		SOLE		327	0	0
TESLA MOTORS INC	CONSUMER DISCRETIONARY	88160R101	1,905,232	4,718	SH		SOLE		4,678	0	40
TEXAS INSTRUMENTS	INFORMATION TECHNOLOGY	882508104	62,813	335	SH		SOLE		335	0	0
THE TRADE DESK, INC.	INFORMATION TECHNOLOGY	88339J105	94,024	800	SH		SOLE		800	0	0
THERMO FISHER SCIENTIFIC, INC	HEALTHCARE	883556102	44,217	85	SH		SOLE		85	0	0
3M CO COM	INDUSTRIALS	88579Y101	318,704	2,469	SH		SOLE		2,469	0	0
3M CO COM	INDUSTRIALS	88579Y101	101,335	785	SH		DFND		785	0	0
THRYV HLDGS INC COM NEW	CONSUMER DISCRETIONARY	886029206	2,175	147	SH		SOLE		147	0	0
TORO CO	INDUSTRIALS	891092108	8,010	100	SH		SOLE		100	0	0
TORONTO-DOMINION BANK NEW	FOREIGN EQUITIES	891160509	189,640	3,562	SH		SOLE		3,562	0	0
TOTALENERGIES SE	FOREIGN EQUITIES	89151E109	6,649	122	SH		SOLE		122	0	0
TOYOTA MOTOR CORP ADR	CONSUMER DISCRETIONARY	892331307	9,730	50	SH		SOLE		50	0	0
TRANSMEDICS GROUP INC.	HEALTHCARE	89377M109	28,681	460	SH		SOLE		460	0	0
TRAVELERS COS INC	FINANCIALS	89417E109	151,759	630	SH		SOLE		630	0	0
TREX COMPANY INC.	INDUSTRIALS	89531P105	4,486	65	SH		SOLE		65	0	0
TWILIO INC. - A	INFORMATION TECHNOLOGY	90138F102	12,212	113	SH		SOLE		113	0	0
US BANCORP DEL COM NEW	FINANCIALS	902973304	90,951	1,902	SH		SOLE		1,902	0	0
US BANCORP DEL COM NEW	FINANCIALS	902973304	956	20	SH		DFND		20	0	0
UNILEVER PLC	FOREIGN EQUITIES	904767704	9,639	170	SH		SOLE		0	170	0
UNION PACIFIC CORP	INDUSTRIALS	907818108	191,775	841	SH		SOLE		841	0	0
UNITED PARCEL SERVICE	INDUSTRIALS	911312106	332,003	2,633	SH		SOLE		2,633	0	0
UNITEDHEALTH GROUP INC	HEALTHCARE	91324P102	1,293,437	2,557	SH		SOLE		2,557	0	0
UPSTART HLDGS INC COM	FINANCIALS	91680M107	9,234	150	SH		SOLE		150	0	0
VAIL RESORTS INC.	CONSUMER DISCRETIONARY	91879Q109	2,811	15	SH		SOLE		15	0	0
VALERO ENERGY NEW	ENERGY	91913Y100	541,213	4,415	SH		SOLE		4,300	115	0
VALERO ENERGY NEW	ENERGY	91913Y100	97,091	792	SH		DFND		792	0	0
VANECK URANIUM AND NUCLEAR ETF	EXCHANGE TRADED FUND - EQUITY	92189F601	45,629	561	SH		SOLE		561	0	0
VANECK SEMICONDUCTOR ETF	INFORMATION TECHNOLOGY	92189F676	937,901	3,873	SH		SOLE		3,873	0	0
VANECK INDONESIA INDEX ETF	Exchange Traded Funds - Equity	92189F833	9,279	627	SH		SOLE		627	0	0
VANGUARD DIVIDEND APPRECIATION INDEX FUND	EXCHANGE TRADED FUND - EQUITY	921908844	293,741	1,500	SH		SOLE		1,500	0	0
ETF VANGUARD TOTAL INTL STOCK	MUTUAL FUND	921909768	2,062	35	SH		SOLE		35	0	0
VANGUARD MEGA CAP VALUE ETF	EXCHANGE TRADED FUND - EQUITY	921910840	19,985	160	SH		SOLE		160	0	0
VANGUARD SHORT-TERM BOND ETF	EXCHANGE TRADED FUND-FIXED INC	921937827	15,994	207	SH		SOLE		207	0	0
VANGUARD TOTAL BOND MARKET FUND ETF	EXCHANGE TRADED FUND-FIXED INC	921937835	278,612	3,875	SH		SOLE		3,875	0	0
VANGUARD FTSE DEVELOPED MARKET ETF	Exchange Traded Funds - Equity	921943858	418,957	8,763	SH		SOLE		8,763	0	0
VANGUARD INTERNATIONAL HIGH DIVIDEND YIELD ETF	EXCHANGE TRADED FUND - EQUITY	921946794	60,612	893	SH		SOLE		893	0	0
VANGUARD UTILITIES ETF	UTILITIES	92204A876	4,902	30	SH		SOLE		30	0	0
VANGUARD FTSE ALL-WLD EX-US SMCP IDX ETF	EXCHANGE TRADED FUND - EQUITY	922042718	3,090	27	SH		SOLE		27	0	0
VANGUARD MSCI EMERGING MARKETS ETF	EXCHANGE TRADED FUND - EQUITY	922042858	197,251	4,479	SH		SOLE		4,479	0	0
VANGUARD MSCI EMERGING MARKETS ETF	EXCHANGE TRADED FUND - EQUITY	922042858	51,086	1,160	SH		DFND		910	250	0
ETF VANGUARD RUSSELL 3000	EXCHANGE TRADED FUND - EQUITY	92206C599	4,235,661	16,308	SH		SOLE		16,308	0	0
ETF VANGUARD RUSSELL 3000	EXCHANGE TRADED FUND - EQUITY	92206C599	513,744	1,978	SH		DFND		1,278	700	0
ETF VANGUARD RUSSELL 2000	EXCHANGE TRADED FUND - EQUITY	92206C664	118,272	1,324	SH		SOLE		1,324	0	0
VANGUARD RUSSELL 1000 GROWTHETF	EXCHANGE TRADED FUND - EQUITY	92206C680	55,988	542	SH		SOLE		542	0	0
VAREX IMAGING CORP	HEALTHCARE	92214X106	583	40	SH		SOLE		40	0	0
VANGUARD REAL ESTATE ETF	REAL ESTATE	922908553	26,724	300	SH		SOLE		200	100	0
VANGUARD MID-CAP ETF	EXCHANGE TRADED FUND - EQUITY	922908629	1,594,816	6,038	SH		SOLE		6,038	0	0
VANGUARD GROWTH ETF	EXCHANGE TRADED FUND - EQUITY	922908736	1,961,490	4,779	SH		SOLE		4,779	0	0
VANGUARD VALUE ETF	EXCHANGE TRADED FUND - EQUITY	922908744	107,499	635	SH		SOLE		635	0	0
VANGUARD SMALL CAP ETF	EXCHANGE TRADED FUND - EQUITY	922908751	221,514	922	SH		SOLE		922	0	0
VANGUARD TOTAL STOCK MARKET ETF	EXCHANGE TRADED FUND - EQUITY	922908769	1,712,717	5,910	SH		SOLE		5,910	0	0
VERIZON COMMUNICATIONS INC	COMMUNICATION SERVICES	92343V104	928,301	23,220	SH		SOLE		23,110	110	0
VERIZON COMMUNICATIONS INC	COMMUNICATION SERVICES	92343V104	40,936	1,024	SH		DFND		166	858	0
VERISK ANALYTICS INC	INDUSTRIALS	92345Y106	28,919	105	SH		SOLE		105	0	0
VERTEX PHARMACEUTICALS INC	HEALTHCARE	92532F100	180,803	449	SH		SOLE		449	0	0
VISA INC - CLASS A SHARES	INFORMATION TECHNOLOGY	92826C839	1,563,064	4,946	SH		SOLE		4,846	100	0
VISHAY INTERTECHNOLOGY, INC.	INFORMATION TECHNOLOGY	928298108	81,264	4,800	SH		SOLE		4,800	0	0
VONTIER CORPORATION	INDUSTRIALS	928881101	1,458	40	SH		DFND		40	0	0
WALMART INC	CONSUMER STAPLES	931142103	2,192,762	24,270	SH		SOLE		23,430	840	0
WALMART INC	CONSUMER STAPLES	931142103	33,881	375	SH		DFND		375	0	0
WASTE MANAGEMENT INC NEW	INDUSTRIALS	94106L109	1,900,015	9,416	SH		SOLE		8,461	955	0
WASTE MANAGEMENT INC NEW	INDUSTRIALS	94106L109	264,343	1,310	SH		DFND		880	430	0
WAYFAIR INC CL A	CONSUMER DISCRETIONARY	94419L101	4,431	100	SH		SOLE		100	0	0
WELLS FARGO & CO NEW	FINANCIALS	949746101	71,221	1,014	SH		SOLE		794	220	0
WELLS FARGO & CO NEW	FINANCIALS	949746101	49,168	700	SH		DFND		700	0	0
WHERE FOOD COMES FROM INC.	INDUSTRIALS	96327X200	9,268	700	SH		SOLE		700	0	0
WHIRLPOOL CORP	CONSUMER DISCRETIONARY	963320106	2,289	20	SH		SOLE		20	0	0
JOHN WILEY & SONS INC	CONSUMER DISCRETIONARY	968223206	91,770	2,100	SH		SOLE		2,100	0	0
THE WILLIAMS CO. INC.	ENERGY	969457100	421,447	7,789	SH		SOLE		7,789	0	0
THE WILLIAMS CO. INC.	ENERGY	969457100	167,741	3,100	SH		DFND		3,100	0	0
WISDOMTREE INC	FINANCIALS	97717P104	6,300	600	SH		SOLE		600	0	0
XCEL ENERGY INC	UTILITIES	98389B100	31,392	465	SH		SOLE		465	0	0
YUM BRANDS INC.	CONSUMER DISCRETIONARY	988498101	24,148	180	SH		SOLE		180	0	0
YUM BRANDS INC.	CONSUMER DISCRETIONARY	988498101	80,496	600	SH		DFND		0	600	0
ZEBRA TECHNOLOGIES CORP CLASS A	INFORMATION TECHNOLOGY	989207105	30,896	80	SH		SOLE		80	0	0
ZIMMER HOLDINGS INC.	HEALTHCARE	98956P102	52,815	500	SH		SOLE		0	500	0
ZOETIS INC	HEALTHCARE	98978V103	13,360	82	SH		SOLE		82	0	0
ZUORA INC	INFORMATION TECHNOLOGY	98983V106	4,900	494	SH		SOLE		494	0	0