Penseco Financial Services (PFNS) 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
ACCENTURE LTD BERMUDA CL A	FOREIGN EQUITIES	G1151C101	173	2,400	SH		SOLE		2,400	0	0
ACCENTURE LTD BERMUDA CL A	FOREIGN EQUITIES	G1151C101	36	500	SH		DFND		300	200	0
EATON CORP PLC	COMMON STOCK	G29183103	7	100	SH		SOLE		0	100	0
WEATHERFORD INT'L LTD NEW	COMMON STOCK	H27013103	1	100	SH		DFND		100	0	0
ACNB CORP	COMMON STOCK	000868109	8	500	SH		SOLE		500	0	0
AOL INC	COMMON STOCK	00184X105	0	3	SH		SOLE		3	0	0
AT&T INC COM	COMMON STOCK	00206R102	1,917	54,161	SH		SOLE		52,161	1,500	500
AT&T INC COM	COMMON STOCK	00206R102	764	21,592	SH		DFND		13,796	7,796	0
ABBOTT LABS COM	COMMON STOCK	002824100	451	12,930	SH		SOLE		11,630	1,000	300
ABBOTT LABS COM	COMMON STOCK	002824100	127	3,650	SH		DFND		3,350	300	0
ABBVIE, INC	COMMON STOCK	00287Y109	559	13,530	SH		SOLE		12,230	1,000	300
ABBVIE, INC	COMMON STOCK	00287Y109	167	4,050	SH		DFND		3,750	300	0
AIR PRODUCT AND CHEMICALS INC	COMMON STOCK	009158106	802	8,760	SH		SOLE		8,160	600	0
AIR PRODUCT AND CHEMICALS INC	COMMON STOCK	009158106	64	700	SH		DFND		500	200	0
ALCOA INC	COMMON STOCK	013817101	13	1,712	SH		SOLE		1,712	0	0
ALCATEL-LUCENT SPONSORED ADR	FOREIGN EQUITIES	013904305	0	54	SH		DFND		54	0	0
ALTRIA GROUP INC	COMMON STOCK	02209S103	244	6,975	SH		SOLE		6,375	0	600
ALTRIA GROUP INC	COMMON STOCK	02209S103	133	3,800	SH		DFND		2,000	1,800	0
AMERICAN ELEC PWR INC COM	COMMON STOCK	025537101	9	200	SH		SOLE		200	0	0
AMERICAN ELEC PWR INC COM	COMMON STOCK	025537101	84	1,885	SH		DFND		1,885	0	0
AMERICAN EXPRESS CO COM	COMMON STOCK	025816109	834	11,150	SH		SOLE		10,650	500	0
AMERICAN EXPRESS CO COM	COMMON STOCK	025816109	650	8,700	SH		DFND		200	8,500	0
AMERICAN INTL GROUP WARRANTSEXP 1/19/2021	WARRANTS & RIGHTS	026874156	0	8	SH		SOLE		8	0	0
AMERICAN INTL GROUP WARRANTSEXP 1/19/2021	WARRANTS & RIGHTS	026874156	0	14	SH		DFND		14	0	0
AMERICAN INTL GROUP INC COM	COMMON STOCK	026874784	2	42	SH		SOLE		42	0	0
AMERICAN WATER WORKS	COMMON STOCK	030420103	498	12,075	SH		SOLE		10,175	1,900	0
AMERICAN WATER WORKS	COMMON STOCK	030420103	64	1,550	SH		DFND		1,550	0	0
AMERIPRISE FINL INC COM	COMMON STOCK	03076C106	154	1,900	SH		SOLE		1,900	0	0
AMERIPRISE FINL INC COM	COMMON STOCK	03076C106	162	2,000	SH		DFND		0	2,000	0
AMGEN INC COM	COMMON STOCK	031162100	261	2,650	SH		SOLE		2,650	0	0
APPLE COMPUTER INC COM	COMMON STOCK	037833100	789	1,990	SH		SOLE		1,915	75	0
APPLE COMPUTER INC COM	COMMON STOCK	037833100	264	665	SH		DFND		640	25	0
APPLIED MATLS INC COM	COMMON STOCK	038222105	15	1,000	SH		SOLE		1,000	0	0
AQUA AMERICA INC COM	COMMON STOCK	03836W103	66	2,100	SH		SOLE		1,100	0	1,000
AQUA AMERICA INC COM	COMMON STOCK	03836W103	48	1,533	SH		DFND		200	1,333	0
ASHLAND INC NEW COM	COMMON STOCK	044209104	1	13	SH		DFND		13	0	0
AUTOMATIC DATA PROCESSING INCOM	COMMON STOCK	053015103	723	10,502	SH		SOLE		10,302	200	0
AUTOMATIC DATA PROCESSING INCOM	COMMON STOCK	053015103	55	800	SH		DFND		250	550	0
BB&T CORP COM	COMMON STOCK	054937107	74	2,184	SH		SOLE		2,184	0	0
BP PLC SPONSORED ADR	FOREIGN EQUITIES	055622104	81	1,930	SH		SOLE		1,450	480	0
BP PLC SPONSORED ADR	FOREIGN EQUITIES	055622104	38	900	SH		DFND		700	200	0
BP PRUDHOE BAY ROYALTY TRUST	ROYALTY TRUST	055630107	29	300	SH		SOLE		300	0	0
BANKAMERICA CORP NEW	COMMON STOCK	060505104	167	13,005	SH		SOLE		13,005	0	0
BANKAMERICA CORP NEW	COMMON STOCK	060505104	8	650	SH		DFND		500	150	0
BANK NEW YORK MELLON CORP COM	COMMON STOCK	064058100	163	5,800	SH		SOLE		5,800	0	0
BANK NEW YORK MELLON CORP COM	COMMON STOCK	064058100	84	3,000	SH		DFND		3,000	0	0
BAXTER INTL INC COM	COMMON STOCK	071813109	381	5,500	SH		SOLE		4,400	1,100	0
BAXTER INTL INC COM	COMMON STOCK	071813109	94	1,350	SH		DFND		1,150	200	0
BERKSHIRE HATHAWAY "B" NEW	COMMON STOCK	084670702	459	4,100	SH		SOLE		3,600	500	0
BERKSHIRE HATHAWAY "B" NEW	COMMON STOCK	084670702	145	1,300	SH		DFND		1,300	0	0
BIOGEN IDEC INC COM	COMMON STOCK	09062X103	11	50	SH		DFND		50	0	0
BLACKROCK CORP HIGH YLD FD	MUTUAL FUNDS-ETF EQUITIES	09255L106	74	10,200	SH		DFND		10,200	0	0
BOEING CO COM	COMMON STOCK	097023105	620	6,055	SH		SOLE		5,955	0	100
BOEING CO COM	COMMON STOCK	097023105	430	4,200	SH		DFND		4,200	0	0
BRISTOL MYERS SQUIBB CO	COMMON STOCK	110122108	1,027	22,987	SH		SOLE		22,587	0	400
BRISTOL MYERS SQUIBB CO	COMMON STOCK	110122108	263	5,896	SH		DFND		3,333	2,563	0
BUCKEYE PARTNERS	COMMON STOCK	118230101	175	2,500	SH		DFND		2,400	100	0
CLECO CORP	COMMON STOCK	12561W105	125	2,700	SH		SOLE		2,700	0	0
CSX CORP COM	COMMON STOCK	126408103	14	600	SH		SOLE		600	0	0
CVS/CAREMARK CORP COM	COMMON STOCK	126650100	137	2,400	SH		SOLE		2,400	0	0
CVS/CAREMARK CORP COM	COMMON STOCK	126650100	11	200	SH		DFND		0	200	0
CABOT OIL & GAS CORPORATION	COMMON STOCK	127097103	71	1,000	SH		SOLE		1,000	0	0
CALAMOS CONV & HIGH INC FD	MUTUAL FUNDS-FIXED INCOME	12811P108	35	2,800	SH		SOLE		0	2,800	0
CAMPBELL SOUP CO COM	COMMON STOCK	134429109	27	600	SH		SOLE		600	0	0
CARRIZO OIL & GAS INC.	COMMON STOCK	144577103	11	400	SH		SOLE		400	0	0
CATERPILLAR INC DEL COM	COMMON STOCK	149123101	185	2,240	SH		SOLE		2,240	0	0
CATERPILLAR INC DEL COM	COMMON STOCK	149123101	107	1,300	SH		DFND		1,300	0	0
CHESAPEAKE ENERGY CORP COM	COMMON STOCK	165167107	10	500	SH		SOLE		500	0	0
CHEVRONTEXACO CORP COM	COMMON STOCK	166764100	843	7,127	SH		SOLE		6,552	575	0
CHEVRONTEXACO CORP COM	COMMON STOCK	166764100	819	6,920	SH		DFND		6,720	200	0
CISCO SYS INC COM	COMMON STOCK	17275R102	705	28,983	SH		SOLE		26,783	2,200	0
CISCO SYS INC COM	COMMON STOCK	17275R102	84	3,450	SH		DFND		1,550	1,900	0
CITIZENS & NORTHERN CORP	COMMON STOCK	172922106	29	1,500	SH		SOLE		1,500	0	0
CITIGROUP INC NEW	COMMON STOCK	172967424	95	1,980	SH		SOLE		1,930	50	0
CITIGROUP INC NEW	COMMON STOCK	172967424	8	161	SH		DFND		161	0	0
CLOROX COMPANY	COMMON STOCK	189054109	208	2,500	SH		SOLE		2,500	0	0
COCA COLA CO COM	COMMON STOCK	191216100	2,105	52,482	SH		SOLE		50,682	1,000	800
COCA COLA CO COM	COMMON STOCK	191216100	248	6,186	SH		DFND		4,786	1,400	0
COLGATE PALMOLIVE CO COM	COMMON STOCK	194162103	483	8,430	SH		SOLE		8,430	0	0
COLGATE PALMOLIVE CO COM	COMMON STOCK	194162103	132	2,300	SH		DFND		1,600	700	0
COMCAST CORP	COMMON STOCK	20030N101	109	2,609	SH		SOLE		2,609	0	0
COMCAST CORP	COMMON STOCK	20030N101	37	877	SH		DFND		877	0	0
COMMUNITY BANK SYSTEM INC	COMMON STOCK	203607106	39	1,258	SH		SOLE		1,258	0	0
CONOCOPHILLIPS COM	COMMON STOCK	20825C104	1,733	28,638	SH		SOLE		28,638	0	0
CONOCOPHILLIPS COM	COMMON STOCK	20825C104	411	6,800	SH		DFND		1,800	5,000	0
CONSOLIDATED EDISON INC	COMMON STOCK	209115104	85	1,456	SH		SOLE		1,456	0	0
CORNING INC COM	COMMON STOCK	219350105	114	8,000	SH		SOLE		8,000	0	0
CORNING INC COM	COMMON STOCK	219350105	3	230	SH		DFND		230	0	0
DNP SELECT INCOME FD INC	MUTUAL FUNDS- BALANCED	23325P104	29	3,000	SH		SOLE		0	3,000	0
DEERE & CO COM	COMMON STOCK	244199105	433	5,335	SH		SOLE		4,835	300	200
DEERE & CO COM	COMMON STOCK	244199105	122	1,500	SH		DFND		1,500	0	0
DISNEY WALT CO COM DISNEY	COMMON STOCK	254687106	261	4,138	SH		SOLE		4,138	0	0
DISNEY WALT CO COM DISNEY	COMMON STOCK	254687106	28	440	SH		DFND		440	0	0
DISCOVER FINL SVCS	COMMON STOCK	254709108	24	500	SH		SOLE		500	0	0
DOMINION RES INC VA NEW COM	COMMON STOCK	25746U109	781	13,742	SH		SOLE		12,942	200	600
DOMINION RES INC VA NEW COM	COMMON STOCK	25746U109	403	7,100	SH		DFND		5,400	1,700	0
DOW CHEM CO COM	COMMON STOCK	260543103	1,541	47,926	SH		SOLE		47,826	0	100
DOW CHEM CO COM	COMMON STOCK	260543103	144	4,480	SH		DFND		3,680	800	0
DU PONT E I DE NEMOURS & CO COM	COMMON STOCK	263534109	1,891	36,012	SH		SOLE		34,412	1,000	600
DU PONT E I DE NEMOURS & CO COM	COMMON STOCK	263534109	1,319	25,130	SH		DFND		6,056	19,074	0
DUKE ENERGY HLDG CORP	COMMON STOCK	26441C204	209	3,090	SH		SOLE		3,090	0	0
DUKE ENERGY HLDG CORP	COMMON STOCK	26441C204	222	3,296	SH		DFND		3,031	265	0
E M C CORP MASS COM	COMMON STOCK	268648102	12	500	SH		SOLE		500	0	0
E M C CORP MASS COM	COMMON STOCK	268648102	14	600	SH		DFND		0	600	0
EQT CORP	COMMON STOCK	26884L109	159	2,000	SH		SOLE		2,000	0	0
EMERSON ELEC CO COM	COMMON STOCK	291011104	1,277	23,405	SH		SOLE		21,905	1,100	400
EMERSON ELEC CO COM	COMMON STOCK	291011104	371	6,800	SH		DFND		5,600	1,200	0
ENERGY TRANSFER EQUITY L P COM UNIT LTD PRTNERS	COMMON STOCK	29273V100	682	11,400	SH		SOLE		11,400	0	0
ENERGY TRANSFER EQUITY L P COM UNIT LTD PRTNERS	COMMON STOCK	29273V100	6	102	SH		DFND		102	0	0
ENTERPRISE PROD PRTNRS L.P.	COMMON STOCK	293792107	93	1,500	SH		DFND		1,500	0	0
YORKVILLE HIGH INCOME MLP ETF	MUTUAL FUNDS-ETF EQUITIES	301505103	100	5,400	SH		SOLE		5,400	0	0
EXELON CORP COM	COMMON STOCK	30161N101	797	25,810	SH		SOLE		24,010	1,300	500
EXELON CORP COM	COMMON STOCK	30161N101	171	5,533	SH		DFND		2,933	2,600	0
EXELIS INC	COMMON STOCK	30162A108	13	960	SH		SOLE		660	0	300
EXELIS INC	COMMON STOCK	30162A108	6	463	SH		DFND		463	0	0
EXPEDITORS INTL WASH INC	COMMON STOCK	302130109	1,038	27,295	SH		SOLE		25,345	1,450	500
EXPEDITORS INTL WASH INC	COMMON STOCK	302130109	175	4,600	SH		DFND		2,900	1,700	0
EXPRESS SCRIPTS HLDG CO.	COMMON STOCK	30219G108	36	585	SH		SOLE		585	0	0
EXXON MOBIL CORP COM	COMMON STOCK	30231G102	6,261	69,302	SH		SOLE		68,502	700	100
EXXON MOBIL CORP COM	COMMON STOCK	30231G102	2,781	30,781	SH		DFND		12,520	18,261	0
F N B CORP PA	COMMON STOCK	302520101	736	60,937	SH		SOLE		60,937	0	0
FACEBOOK INC	COMMON STOCK	30303M102	6	250	SH		SOLE		250	0	0
FASTENAL CO COM	COMMON STOCK	311900104	1,963	42,875	SH		SOLE		39,325	2,150	1,400
FASTENAL CO COM	COMMON STOCK	311900104	238	5,200	SH		DFND		2,900	2,300	0
FIFTH THIRD BANCORP	COMMON STOCK	316773100	4	200	SH		SOLE		200	0	0
FIRST COMMONWEALTH FINL CP PA	COMMON STOCK	319829107	7	1,000	SH		SOLE		1,000	0	0
FIRST SOLAR INC	COMMON STOCK	336433107	9	200	SH		DFND		200	0	0
FORD MTR CO DEL COM PAR $0.01	COMMON STOCK	345370860	2	157	SH		DFND		157	0	0
FREEPORTMCMORAN COPP CL B	COMMON STOCK	35671D857	7	268	SH		SOLE		54	214	0
FRONTIER COMMUNICATIONS CORP	COMMON STOCK	35906A108	35	8,639	SH		SOLE		8,639	0	0
FRONTIER COMMUNICATIONS CORP	COMMON STOCK	35906A108	2	459	SH		DFND		459	0	0
GABELLI GLOBAL MULTIMEDIA TR INC	COMMON STOCK	36239Q109	2	200	SH		SOLE		200	0	0
GABELLI EQUITY TR INC	COMMON STOCK	362397101	20	3,000	SH		SOLE		3,000	0	0
GABELLI UTILITY TRUST FD	COMMON STOCK	36240A101	13	2,000	SH		SOLE		2,000	0	0
GENERAL DYNAMICS CORP	COMMON STOCK	369550108	70	900	SH		SOLE		900	0	0
GENERAL ELEC CO COM	COMMON STOCK	369604103	2,787	120,249	SH		SOLE		116,449	3,800	0
GENERAL ELEC CO COM	COMMON STOCK	369604103	900	38,831	SH		DFND		15,460	23,371	0
GENERAL MLS INC COM	COMMON STOCK	370334104	308	6,350	SH		SOLE		6,250	100	0
GENERAL MLS INC COM	COMMON STOCK	370334104	160	3,300	SH		DFND		2,900	400	0
GLATFELTER COM	COMMON STOCK	377316104	5	200	SH		SOLE		200	0	0
GLAXOSMITHKLINE PLC SPONSORED ADR	FOREIGN EQUITIES	37733W105	354	7,085	SH		SOLE		7,085	0	0
GLAXOSMITHKLINE PLC SPONSORED ADR	FOREIGN EQUITIES	37733W105	312	6,250	SH		DFND		5,550	700	0
GOOGLE INC	COMMON STOCK	38259P508	348	395	SH		SOLE		395	0	0
GOOGLE INC	COMMON STOCK	38259P508	13	15	SH		DFND		0	15	0
HAMPTON ROADS BANCSHARES INC, NEW	COMMON STOCK	409321502	3	2,709	SH		SOLE		2,709	0	0
HARTFORD FINL SVCS	COMMON STOCK	416515104	9	280	SH		SOLE		280	0	0
HARTFORD FINL SVCS	COMMON STOCK	416515104	12	373	SH		DFND		373	0	0
HASBRO INC COM	COMMON STOCK	418056107	224	5,000	SH		SOLE		5,000	0	0
HERSHA HOSPITALITY TRUST	COMMON STOCK	427825104	6	1,000	SH		SOLE		1,000	0	0
HERSHEY FOODS CORP COM	COMMON STOCK	427866108	98	1,100	SH		SOLE		1,100	0	0
HEWLETT PACKARD CO COM	COMMON STOCK	428236103	192	7,750	SH		SOLE		5,950	1,800	0
HEWLETT PACKARD CO COM	COMMON STOCK	428236103	16	650	SH		DFND		650	0	0
HOME DEPOT INC COM	COMMON STOCK	437076102	236	3,050	SH		SOLE		3,050	0	0
HOME DEPOT INC COM	COMMON STOCK	437076102	101	1,300	SH		DFND		1,200	100	0
HONEYWELL INTL INC COM	COMMON STOCK	438516106	56	700	SH		SOLE		700	0	0
HONEYWELL INTL INC COM	COMMON STOCK	438516106	111	1,400	SH		DFND		1,300	100	0
HUNTINGTON BANCSHARES INC	COMMON STOCK	446150104	67	8,480	SH		SOLE		8,480	0	0
ITT CORP NEW COM NEW	COMMON STOCK	450911201	14	480	SH		SOLE		330	0	150
ITT CORP NEW COM NEW	COMMON STOCK	450911201	7	231	SH		DFND		231	0	0
INTEL CORP COM	COMMON STOCK	458140100	902	37,250	SH		SOLE		35,450	1,400	400
INTEL CORP COM	COMMON STOCK	458140100	297	12,250	SH		DFND		10,050	2,200	0
INTERNATIONAL BUSINESS MACHSCOM	COMMON STOCK	459200101	3,111	16,279	SH		SOLE		16,079	200	0
INTERNATIONAL BUSINESS MACHSCOM	COMMON STOCK	459200101	3,960	20,721	SH		DFND		9,100	11,621	0
INTL PAPER CO COM	COMMON STOCK	460146103	22	500	SH		DFND		0	500	0
INTUITIVE SURGICAL INC.	COMMON STOCK	46120E602	15	30	SH		DFND		0	30	0
INVESCO VAN KAMPEN SR INCOMETR	MUTUAL FUNDS-ETF EQUITIES	46131H107	8	1,400	SH		SOLE		1,400	0	0
ISHARES GOLD TRUST	MUTUAL FUNDS-ETF EQUITIES	464285105	7	554	SH		SOLE		554	0	0
ISHARES TR S&P NA NATURAL RESOURCES	MUTUAL FUNDS-EQUITIES	464287374	57	1,500	SH		DFND		0	1,500	0
ISHARES TR MSCI EAFE INDEX	MUTUAL FUNDS-ETF EQUITIES	464287465	72	1,250	SH		SOLE		1,250	0	0
ISHARES TR MSCI EAFE INDEX	MUTUAL FUNDS-ETF EQUITIES	464287465	86	1,500	SH		DFND		0	1,500	0
ISHARES S&P 400 INDEX	MUTUAL FUNDS-ETF EQUITIES	464287507	12	100	SH		SOLE		100	0	0
ISHARES S7P 600 INDEX	MUTUAL FUNDS-ETF EQUITIES	464287804	13	140	SH		SOLE		140	0	0
ISHARES U.S. PREFERRED STOCKETF	MUTUAL FUNDS-ETF EQUITIES	464288687	4	100	SH		SOLE		100	0	0
J P MORGAN CHASE & CO COM	COMMON STOCK	46625H100	1,056	20,002	SH		SOLE		18,802	1,200	0
J P MORGAN CHASE & CO COM	COMMON STOCK	46625H100	135	2,560	SH		DFND		1,220	1,340	0
JP MORGAN CHASE & CO ALERIAN MLP INDX	MUTUAL FUNDS-ETF EQUITIES	46625H365	5	100	SH		SOLE		100	0	0
JOHNSON & JOHNSON COM	COMMON STOCK	478160104	2,791	32,504	SH		SOLE		31,604	900	0
JOHNSON & JOHNSON COM	COMMON STOCK	478160104	346	4,033	SH		DFND		2,283	1,750	0
JOHNSON CONTROLS INC	COMMON STOCK	478366107	11	300	SH		SOLE		300	0	0
KANSAS CITY SOUTHERN COM NEW	COMMON STOCK	485170302	42	400	SH		DFND		400	0	0
KELLOGG CO COM	COMMON STOCK	487836108	250	3,900	SH		SOLE		3,300	100	500
KELLOGG CO COM	COMMON STOCK	487836108	106	1,650	SH		DFND		1,650	0	0
KIMBERLY CLARK CORP COM	COMMON STOCK	494368103	437	4,497	SH		SOLE		4,397	100	0
KIMBERLY CLARK CORP COM	COMMON STOCK	494368103	294	3,022	SH		DFND		3,022	0	0
KINDER MORGAN ENERGY PRTNRS	COMMON STOCK	494550106	9	100	SH		DFND		100	0	0
KRAFT FOODS GROUP INC.	COMMON STOCK	50076Q106	187	3,349	SH		SOLE		3,049	0	300
KRAFT FOODS GROUP INC.	COMMON STOCK	50076Q106	199	3,571	SH		DFND		2,927	644	0
LSI CORPORATION COM	COMMON STOCK	502161102	0	15	SH		DFND		15	0	0
LILLY ELI & CO COM	COMMON STOCK	532457108	331	6,750	SH		SOLE		6,350	0	400
LILLY ELI & CO COM	COMMON STOCK	532457108	337	6,870	SH		DFND		4,920	1,950	0
LINEAR TECHNOLOGY CORP	COMMON STOCK	535678106	768	20,850	SH		SOLE		19,050	1,800	0
LINEAR TECHNOLOGY CORP	COMMON STOCK	535678106	217	5,900	SH		DFND		3,800	2,100	0
LINN ENERGY LLC	COMMON STOCK	536020100	18	550	SH		DFND		550	0	0
LOCKHEED MARTIN CORP COM	COMMON STOCK	539830109	65	600	SH		SOLE		600	0	0
LOWES COS INC COM	COMMON STOCK	548661107	229	5,610	SH		SOLE		5,210	0	400
LOWES COS INC COM	COMMON STOCK	548661107	43	1,050	SH		DFND		300	750	0
LULULEMON ATHLETICA	COMMON STOCK	550021109	13	200	SH		SOLE		200	0	0
M&T BANK CORP	COMMON STOCK	55261F104	55	490	SH		SOLE		490	0	0
MFS CHARTER INCOME TRUST	MUTUAL FDS-NON TAX BNY	552727109	3	300	SH		SOLE		300	0	0
MANULIFE FINANCIAL CORP	FOREIGN EQUITIES	56501R106	53	3,294	SH		SOLE		3,294	0	0
MARATHON OIL CO	COMMON STOCK	565849106	43	1,256	SH		SOLE		34	1,222	0
MARATHON PETROLEUM CORP	COMMON STOCK	56585A102	45	628	SH		SOLE		17	611	0
MARKET VECTORS ETF TR LEHMAN BROS HY	MUTUAL FUNDS-ETF EQUITIES	57060U878	4	120	SH		SOLE		120	0	0
MARTHA STEWART LIVING	COMMON STOCK	573083102	0	200	SH		SOLE		200	0	0
MASTERCARD INCORPORATED	COMMON STOCK	57636Q104	873	1,520	SH		SOLE		1,385	135	0
MASTERCARD INCORPORATED	COMMON STOCK	57636Q104	132	230	SH		DFND		230	0	0
MATTEL INC COM	COMMON STOCK	577081102	180	3,983	SH		SOLE		3,983	0	0
MC CORMICK & COMPANY INC. NON VOTING	COMMON STOCK	579780206	281	4,000	SH		SOLE		4,000	0	0
MCDONALDS CORP COM	COMMON STOCK	580135101	653	6,600	SH		SOLE		6,100	500	0
MCDONALDS CORP COM	COMMON STOCK	580135101	114	1,150	SH		DFND		1,050	100	0
MEAD JOHNSON NUTRITION CO CL A	COMMON STOCK	582839106	5	68	SH		DFND		0	68	0
MEDTRONIC INC COM	COMMON STOCK	585055106	1,197	23,250	SH		SOLE		22,950	0	300
MEDTRONIC INC COM	COMMON STOCK	585055106	36	700	SH		DFND		300	400	0
MERCK & CO INC NEW	COMMON STOCK	58933Y105	731	15,728	SH		SOLE		15,228	0	500
MERCK & CO INC NEW	COMMON STOCK	58933Y105	216	4,650	SH		DFND		2,950	1,700	0
MICROSOFT CORP	COMMON STOCK	594918104	1,642	47,545	SH		SOLE		45,445	2,100	0
MICROSOFT CORP	COMMON STOCK	594918104	281	8,140	SH		DFND		3,440	4,700	0
MICROCHIP TECHNOLOGY INC COM	COMMON STOCK	595017104	892	23,950	SH		SOLE		21,850	1,700	400
MICROCHIP TECHNOLOGY INC COM	COMMON STOCK	595017104	196	5,250	SH		DFND		3,750	1,500	0
MONDELEZ INTL INC	COMMON STOCK	609207105	257	8,994	SH		SOLE		8,494	0	500
MONDELEZ INTL INC	COMMON STOCK	609207105	323	11,341	SH		DFND		9,405	1,936	0
MOTOROLA SOLUTIONS, INC.	COMMON STOCK	620076307	26	456	SH		SOLE		456	0	0
MYLAN INC COM	COMMON STOCK	628530107	12	400	SH		SOLE		400	0	0
NBT BANCORP INC COM	COMMON STOCK	628778102	5	230	SH		SOLE		230	0	0
NBT BANCORP INC COM	COMMON STOCK	628778102	2,963	140,025	SH		DFND		90,025	50,000	0
NCR CORP NEW	COMMON STOCK	62886E108	1	27	SH		DFND		27	0	0
NATIONAL OILWELL VARCO INC COM	COMMON STOCK	637071101	490	7,115	SH		SOLE		6,515	600	0
NATIONAL OILWELL VARCO INC COM	COMMON STOCK	637071101	55	800	SH		DFND		800	0	0
NATIONAL PENN BANCORP INC	COMMON STOCK	637138108	51	5,000	SH		SOLE		5,000	0	0
NATURES SUNSHINE PRODUCTS	COMMON STOCK	639027101	16	1,000	SH		SOLE		1,000	0	0
NEW YORK TIMES CO CL A	COMMON STOCK	650111107	7	600	SH		SOLE		600	0	0
NEXTERA ENERGY INC	COMMON STOCK	65339F101	755	9,270	SH		SOLE		9,270	0	0
NEXTERA ENERGY INC	COMMON STOCK	65339F101	406	4,983	SH		DFND		3,333	1,650	0
NOKIA CORP SPONSORED ADR	FOREIGN EQUITIES	654902204	1	200	SH		SOLE		200	0	0
NORFOLK SOUTHERN CORP	COMMON STOCK	655844108	578	7,950	SH		SOLE		7,950	0	0
NORFOLK SOUTHERN CORP	COMMON STOCK	655844108	24	325	SH		DFND		225	100	0
NORTHEAST UTILS COM	COMMON STOCK	664397106	13	300	SH		SOLE		300	0	0
NORWOOD FINANCIAL CORPORATION	COMMON STOCK	669549107	375	12,947	SH		SOLE		12,947	0	0
NOVARTIS AG	FOREIGN EQUITIES	66987V109	213	3,014	SH		SOLE		2,722	0	292
NOVARTIS AG	FOREIGN EQUITIES	66987V109	35	492	SH		DFND		0	492	0
NUCOR CORP	COMMON STOCK	670346105	48	1,100	SH		SOLE		1,100	0	0
NUCOR CORP	COMMON STOCK	670346105	91	2,100	SH		DFND		2,100	0	0
NUVEEN PERFORMANCE PLUS MUNICIPAL FUND INC	MUTUAL FUNDS-ETF EQUITIES	67062P108	16	1,096	SH		SOLE		1,096	0	0
OCCIDENTAL PETE CORP DEL COM	COMMON STOCK	674599105	990	11,100	SH		SOLE		11,100	0	0
OCCIDENTAL PETE CORP DEL COM	COMMON STOCK	674599105	54	600	SH		DFND		0	600	0
ORACLE CORP COM	COMMON STOCK	68389X105	276	9,000	SH		SOLE		8,800	200	0
ORACLE CORP COM	COMMON STOCK	68389X105	37	1,200	SH		DFND		400	800	0
PNC FINL SVCS GROUP INC COM	COMMON STOCK	693475105	703	9,640	SH		SOLE		8,340	900	400
PNC FINL SVCS GROUP INC COM	COMMON STOCK	693475105	424	5,815	SH		DFND		115	5,700	0
PPG INDS INC COM	COMMON STOCK	693506107	168	1,150	SH		SOLE		1,150	0	0
PPG INDS INC COM	COMMON STOCK	693506107	59	400	SH		DFND		100	300	0
PPL CORP, COM	COMMON STOCK	69351T106	2,046	67,645	SH		SOLE		67,445	0	200
PPL CORP, COM	COMMON STOCK	69351T106	587	19,395	SH		DFND		18,395	1,000	0
PENNEY J C INC COM	COMMON STOCK	708160106	5	300	SH		DFND		300	0	0
PENNS WOODS BANCORP INC	COMMON STOCK	708430103	58	1,374	SH		SOLE		0	1,374	0
PEPCO HOLDINGS INC	COMMON STOCK	713291102	9	448	SH		DFND		0	448	0
PEPSICO INC COM	COMMON STOCK	713448108	3,590	43,890	SH		SOLE		42,590	1,000	300
PEPSICO INC COM	COMMON STOCK	713448108	217	2,650	SH		DFND		750	1,900	0
PFIZER INC COM	COMMON STOCK	717081103	2,404	85,852	SH		SOLE		83,302	1,850	700
PFIZER INC COM	COMMON STOCK	717081103	1,316	47,012	SH		DFND		19,367	27,645	0
PHILIP MORRIS INTL INC	COMMON STOCK	718172109	397	4,580	SH		SOLE		4,580	0	0
PHILIP MORRIS INTL INC	COMMON STOCK	718172109	255	2,940	SH		DFND		1,240	1,700	0
PHILLIPS 66	COMMON STOCK	718546104	762	12,937	SH		SOLE		12,937	0	0
PHILLIPS 66	COMMON STOCK	718546104	165	2,800	SH		DFND		300	2,500	0
PITNEY BOWES INC COM	COMMON STOCK	724479100	7	500	SH		SOLE		0	500	0
PLUM CREEK TIMBER CO INC COM	COMMON STOCK	729251108	5	100	SH		DFND		100	0	0
PROCTER & GAMBLE CO COM	COMMON STOCK	742718109	2,920	37,922	SH		SOLE		36,322	1,000	600
PROCTER & GAMBLE CO COM	COMMON STOCK	742718109	2,281	29,628	SH		DFND		22,478	7,150	0
PUBLIC SVC ENTERPRISE GROUP COM	COMMON STOCK	744573106	16	500	SH		SOLE		500	0	0
PUBLIC SVC ENTERPRISE GROUP COM	COMMON STOCK	744573106	56	1,700	SH		DFND		1,400	300	0
PUTNAM MUNICIPAL OPP TRUST	MUTUAL FUNDS-ETF EQUITIES	746922103	20	1,715	SH		SOLE		1,715	0	0
QUALCOMM INC COM	COMMON STOCK	747525103	6	100	SH		DFND		100	0	0
RANDGOLD RES LTD ADR	COMMON STOCK	752344309	2	25	SH		SOLE		25	0	0
RAYONIER INC COM	COMMON STOCK	754907103	166	3,000	SH		SOLE		3,000	0	0
RAYTHEON CO COM NEW	COMMON STOCK	755111507	59	900	SH		SOLE		900	0	0
ROCKWELL AUTOMATION INC	COMMON STOCK	773903109	4	50	SH		SOLE		50	0	0
ROCKWELL COLLINS INC COM	COMMON STOCK	774341101	288	4,550	SH		SOLE		4,550	0	0
ROYAL BANK OF CANADA	FOREIGN EQUITIES	780087102	17	300	SH		DFND		300	0	0
ROYAL DUTCH SHELL PLC RDS-B	FOREIGN EQUITIES	780259107	20	300	SH		SOLE		300	0	0
ROYAL DUTCH SHELL PLC SPONS ADR A	FOREIGN EQUITIES	780259206	249	3,900	SH		SOLE		3,900	0	0
ROYAL DUTCH SHELL PLC SPONS ADR A	FOREIGN EQUITIES	780259206	384	6,020	SH		DFND		3,120	2,900	0
S&T BANCORP INC	COMMON STOCK	783859101	20	1,000	SH		SOLE		1,000	0	0
GOLD TRUST	MUTUAL FUNDS-ETF EQUITIES	78463V107	24	200	SH		DFND		200	0	0
SPDR BARCLAYS HIGHYIELD BND	MUTUAL FUNDS-ETF EQUITIES	78464A417	10	255	SH		SOLE		255	0	0
SANOFI AVENTIS SPONSORED ADR	FOREIGN EQUITIES	80105N105	18	350	SH		SOLE		350	0	0
SANOFI-AVENTIS SA CVR	FOREIGN EQUITIES	80105N113	0	150	SH		SOLE		150	0	0
SCHLUMBERGER LTD COM	COMMON STOCK	806857108	575	8,020	SH		SOLE		7,220	400	400
SCHLUMBERGER LTD COM	COMMON STOCK	806857108	276	3,850	SH		DFND		3,450	400	0
SECTOR SPDR TR-SHS BEN	MUTUAL FUNDS-ETF EQUITIES	81369Y308	12	295	SH		SOLE		295	0	0
JM SMUCKER CO	COMMON STOCK	832696405	10	94	SH		SOLE		94	0	0
JM SMUCKER CO	COMMON STOCK	832696405	31	300	SH		DFND		0	300	0
SOUTH JERSEY INDUSTRIES INC	COMMON STOCK	838518108	57	1,000	SH		SOLE		1,000	0	0
SOUTHERN CO COM	COMMON STOCK	842587107	819	18,560	SH		SOLE		17,560	300	700
SOUTHERN CO COM	COMMON STOCK	842587107	271	6,150	SH		DFND		4,900	1,250	0
SPECTRA ENERGY CORP COM	COMMON STOCK	847560109	946	27,450	SH		SOLE		25,250	2,200	0
SPECTRA ENERGY CORP COM	COMMON STOCK	847560109	443	12,850	SH		DFND		11,300	1,550	0
STARBUCKS CORP COM	COMMON STOCK	855244109	457	6,980	SH		SOLE		6,280	700	0
STARBUCKS CORP COM	COMMON STOCK	855244109	59	900	SH		DFND		900	0	0
STARWOOD HOTELS&RESORTS WRLDCOM	COMMON STOCK	85590A401	15	245	SH		DFND		245	0	0
STATE STR CORP COM	COMMON STOCK	857477103	121	1,850	SH		SOLE		1,850	0	0
SUBURBAN PROPANE PARTNERS L UNIT LTD PARTN	COMMON STOCK	864482104	14	300	SH		SOLE		300	0	0
SUNOCO LOGISTICS PARTNERS LP	COMMON STOCK	86764L108	58	900	SH		SOLE		900	0	0
SUNPOWER CORP	COMMON STOCK	867652406	1	30	SH		DFND		30	0	0
SUNTRUST BKS INC COM	COMMON STOCK	867914103	53	1,679	SH		SOLE		1,679	0	0
SYSCO CORP COM	COMMON STOCK	871829107	837	24,516	SH		SOLE		22,416	2,100	0
SYSCO CORP COM	COMMON STOCK	871829107	68	2,000	SH		DFND		1,500	500	0
TECO ENERGY INC COM	COMMON STOCK	872375100	3	200	SH		SOLE		200	0	0
TARGET CORP	COMMON STOCK	87612E106	208	3,025	SH		SOLE		2,725	0	300
TARGET CORP	COMMON STOCK	87612E106	24	350	SH		DFND		0	350	0
TELEFONICA S A SPONSORED ADR	COMMON STOCK	879382208	11	821	SH		SOLE		821	0	0
TERADATE CORP	COMMON STOCK	88076W103	20	407	SH		SOLE		407	0	0
TEVA PHARMACEUTICAL INDS LTDADR	FOREIGN EQUITIES	881624209	157	4,000	SH		SOLE		4,000	0	0
TEXAS INSTRS INC COM	COMMON STOCK	882508104	3	100	SH		SOLE		100	0	0
3M CO	COMMON STOCK	88579Y101	5,756	52,641	SH		SOLE		52,541	0	100
3M CO	COMMON STOCK	88579Y101	237	2,166	SH		DFND		1,766	400	0
TIME WARNER INC	COMMON STOCK	887317303	22	383	SH		SOLE		383	0	0
TIME WARNER INC	COMMON STOCK	887317303	28	489	SH		DFND		339	150	0
TIME WARNER CABLE INC	COMMON STOCK	88732J207	1	8	SH		SOLE		8	0	0
TOTAL S.A. ADR	COMMON STOCK	89151E109	5	100	SH		SOLE		100	0	0
TRAVELERS COMPANIES INC COM	COMMON STOCK	89417E109	226	2,830	SH		SOLE		2,780	50	0
TRAVELERS COMPANIES INC COM	COMMON STOCK	89417E109	12	150	SH		DFND		150	0	0
US BANCORP DEL	COMMON STOCK	902973304	763	21,119	SH		SOLE		19,319	1,800	0
US BANCORP DEL	COMMON STOCK	902973304	61	1,700	SH		DFND		1,700	0	0
UNION PAC CORP COM	COMMON STOCK	907818108	617	4,000	SH		SOLE		4,000	0	0
UNION PAC CORP COM	COMMON STOCK	907818108	25	164	SH		DFND		164	0	0
UNITED PARCEL SERVICE INC CL B	COMMON STOCK	911312106	58	666	SH		SOLE		366	0	300
UNITED PARCEL SERVICE INC CL B	COMMON STOCK	911312106	56	650	SH		DFND		150	500	0
UNITED STATES STL CORP NEW COM	COMMON STOCK	912909108	1	62	SH		SOLE		0	62	0
UNITED TECHNOLOGIES CORP	COMMON STOCK	913017109	70	755	SH		SOLE		755	0	0
UNITED TECHNOLOGIES CORP	COMMON STOCK	913017109	232	2,500	SH		DFND		2,500	0	0
UNITEDHEALTH GROUP INC COM	COMMON STOCK	91324P102	46	700	SH		SOLE		0	700	0
VF CORP	COMMON STOCK	918204108	140	725	SH		SOLE		525	200	0
VANGUARD DIVIDEND APPRECIATION ETF	MUTUAL FUNDS-ETF EQUITIES	921908844	12	175	SH		SOLE		175	0	0
VANGUARD FTSE ALL WORLD	MUTUAL FUNDS-ETF EQUITIES	922042775	11	255	SH		SOLE		255	0	0
VANGUARD EMERGING MARKETS ETF	MUTUAL FUNDS-ETF EQUITIES	922042858	106	2,721	SH		SOLE		2,150	571	0
VANGUARD EMERGING MARKETS ETF	MUTUAL FUNDS-ETF EQUITIES	922042858	19	500	SH		DFND		500	0	0
VANGUARD MID CAP ETF	MUTUAL FUNDS-ETF EQUITIES	922908629	74	775	SH		SOLE		675	100	0
VANGUARD MID CAP ETF	MUTUAL FUNDS-ETF EQUITIES	922908629	38	400	SH		DFND		300	100	0
VANGUARD SMALL CAP ETF	MUTUAL FUNDS-ETF EQUITIES	922908751	73	775	SH		SOLE		675	100	0
VANGUARD SMALL CAP ETF	MUTUAL FUNDS-ETF EQUITIES	922908751	37	400	SH		DFND		300	100	0
VANGUARD TOTAL STK MRKT ETF	MUTUAL FUNDS-ETF EQUITIES	922908769	24	295	SH		SOLE		295	0	0
VERISIGN INC COM	COMMON STOCK	92343E102	4	100	SH		SOLE		100	0	0
VERIZON COMMUNICATIONS COM	COMMON STOCK	92343V104	2,452	48,711	SH		SOLE		46,511	1,200	1,000
VERIZON COMMUNICATIONS COM	COMMON STOCK	92343V104	641	12,737	SH		DFND		7,421	5,316	0
VIACOM INC CL B	COMMON STOCK	92553P201	17	254	SH		DFND		254	0	0
VISA CLASS A	COMMON STOCK	92826C839	3,457	18,918	SH		SOLE		18,918	0	0
VODAFONE GROUP PLC NEW SPONS ADR NEW	FOREIGN EQUITIES	92857W209	778	27,055	SH		SOLE		24,555	2,000	500
VODAFONE GROUP PLC NEW SPONS ADR NEW	FOREIGN EQUITIES	92857W209	137	4,750	SH		DFND		4,750	0	0
WAL MART STORES INC COM	COMMON STOCK	931142103	525	7,050	SH		SOLE		7,050	0	0
WALGREEN CO COM	COMMON STOCK	931422109	128	2,900	SH		SOLE		2,500	0	400
WALGREEN CO COM	COMMON STOCK	931422109	9	200	SH		DFND		0	200	0
WEBSTER FINANCIAL CORP	COMMON STOCK	947890109	4	143	SH		SOLE		143	0	0
WELLS FARGO & CO NEW COM	COMMON STOCK	949746101	1,059	25,656	SH		SOLE		23,757	1,800	99
WELLS FARGO & CO NEW COM	COMMON STOCK	949746101	23	557	SH		DFND		557	0	0
WELLS FARGO ADVANTAGE INCOME OPPORTUNITIES FD	MUTUAL FUNDS-FIXED INCOME	94987B105	17	1,800	SH		SOLE		1,800	0	0
WESTERN UNION CO (WU)	COMMON STOCK	959802109	253	14,800	SH		SOLE		11,300	3,500	0
WESTERN UNION CO (WU)	COMMON STOCK	959802109	84	4,900	SH		DFND		4,900	0	0
WEYERHAEUSER CO COM	COMMON STOCK	962166104	1,123	39,448	SH		SOLE		35,871	2,600	977
WEYERHAEUSER CO COM	COMMON STOCK	962166104	172	6,044	SH		DFND		4,444	1,600	0
WINDSTREAM CORP COM	COMMON STOCK	97381W104	1	103	SH		SOLE		103	0	0
XEROX CORP COM	COMMON STOCK	984121103	22	2,375	SH		SOLE		2,375	0	0
XYLEM INC	COMMON STOCK	98419M100	344	12,760	SH		SOLE		10,660	1,800	300
XYLEM INC	COMMON STOCK	98419M100	31	1,163	SH		DFND		563	600	0
YAHOO INC COM	COMMON STOCK	984332106	8	300	SH		SOLE		300	0	0
YAHOO INC COM	COMMON STOCK	984332106	25	1,000	SH		DFND		1,000	0	0
ZIMMER HLDGS INC COM	COMMON STOCK	98956P102	32	433	SH		SOLE		433	0	0
ZIMMER HLDGS INC COM	COMMON STOCK	98956P102	70	940	SH		DFND		940	0	0