Essex Savings Bank 13F-HR Quarterly holdings report by institutional manager

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

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

FORM 13F INFORMATION TABLE

OMB APPROVAL

OMB Number:		3235-0006
Expires:	Oct 31, 2018
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COLUMN 1	COLUMN 2	COLUMN 3	COLUMN 4	COLUMN 5			COLUMN 6	COLUMN 7	COLUMN 8
			VALUE	SHRS OR	SH/	PUT/	INVESTMENT	OTHER	VOTING AUTHORITY
NAME OF ISSUER	TITLE OF CLASS	CUSIP	(x$1000)	PRN AMT	PRN	CALL	DISCRETION	MANAGER	SOLE	SHARED	NONE
ALLEGION PUB LTD CO ORD SHS	FOREIGN EQUITIES	G0176J109	198,018	1,676	SH		SOLE		1,676	0	0
ALLEGION PUB LTD CO ORD SHS	FOREIGN EQUITIES	G0176J109	5,197	44	SH		DFND		44	0	0
ACCENTURE PLC IRELAND SHS CLASS A	FOREIGN EQUITIES	G1151C101	1,001,522	3,301	SH		SOLE		3,301	0	0
ACCENTURE PLC IRELAND SHS CLASS A	FOREIGN EQUITIES	G1151C101	432,948	1,427	SH		DFND		1,425	2	0
EATON CORP CMN	FOREIGN EQUITIES	G29183103	300,053	957	SH		SOLE		957	0	0
EATON CORP CMN	FOREIGN EQUITIES	G29183103	719,884	2,296	SH		DFND		2,290	6	0
FERGUSON PLC NEW	FOREIGN EQUITIES	G3421J106	211,077	1,090	SH		DFND		1,090	0	0
LINDE PLC COM EURO .001	FOREIGN EQUITIES	G54950103	71,961	164	SH		SOLE		164	0	0
LINDE PLC COM EURO .001	FOREIGN EQUITIES	G54950103	198,773	453	SH		DFND		374	79	0
MEDTRONIC PLC	FOREIGN EQUITIES	G5960L103	199,842	2,539	SH		SOLE		2,539	0	0
MEDTRONIC PLC	FOREIGN EQUITIES	G5960L103	64,225	816	SH		DFND		800	16	0
TRANE TECHNOLOGIES PLC	FOREIGN EQUITIES	G8994E103	1,644,600	5,000	SH		SOLE		5,000	0	0
TRANE TECHNOLOGIES PLC	FOREIGN EQUITIES	G8994E103	185,838	565	SH		DFND		562	3	0
WHITE MTNS INS GROUP LTD COM	FOREIGN EQUITIES	G9618E107	516,154	284	SH		DFND		284	0	0
CHUBB LIMITED COM	FOREIGN EQUITIES	H1467J104	166,054	651	SH		SOLE		651	0	0
CHUBB LIMITED COM	FOREIGN EQUITIES	H1467J104	419,857	1,646	SH		DFND		1,640	6	0
AERCAP HOLDINGS NV	FOREIGN EQUITIES	N00985106	9,320	100	SH		SOLE		100	0	0
AERCAP HOLDINGS NV	FOREIGN EQUITIES	N00985106	329,462	3,535	SH		DFND		3,535	0	0
ASML HOLDING NV NY REG SHS	FOREIGN EQUITIES	N07059210	686,241	671	SH		SOLE		671	0	0
ASML HOLDING NV NY REG SHS	FOREIGN EQUITIES	N07059210	235,225	230	SH		DFND		230	0	0
AFLAC INC COM	COMMON STOCK	001055102	760,741	8,518	SH		SOLE		8,518	0	0
AFLAC INC COM	COMMON STOCK	001055102	61,265	686	SH		DFND		686	0	0
AT&T INC COM	COMMON STOCK	00206R102	81,654	4,273	SH		SOLE		4,273	0	0
AT&T INC COM	COMMON STOCK	00206R102	322,631	16,883	SH		DFND		15,383	1,500	0
ABBOTT LABS COM	COMMON STOCK	002824100	235,249	2,264	SH		SOLE		2,264	0	0
ABBOTT LABS COM	COMMON STOCK	002824100	284,292	2,736	SH		DFND		2,480	256	0
ABBVIE INC COM	COMMON STOCK	00287Y109	956,044	5,574	SH		SOLE		5,574	0	0
ABBVIE INC COM	COMMON STOCK	00287Y109	1,222,930	7,130	SH		DFND		6,775	355	0
ADOBE INC COM	COMMON STOCK	00724F101	1,500,483	2,701	SH		SOLE		2,701	0	0
ADOBE INC COM	COMMON STOCK	00724F101	651,630	1,173	SH		DFND		1,168	5	0
ADVANCED MICRO DEVICES INC COM	COMMON STOCK	007903107	243,476	1,501	SH		SOLE		1,501	0	0
ADVANCED MICRO DEVICES INC COM	COMMON STOCK	007903107	390,923	2,410	SH		DFND		2,410	0	0
AIR PRODS & CHEMS INC COM	COMMON STOCK	009158106	103,216	400	SH		SOLE		400	0	0
AIR PRODS & CHEMS INC COM	COMMON STOCK	009158106	350,930	1,360	SH		DFND		1,350	10	0
ALPHABET INC.	COMMON STOCK	02079K107	2,236,620	12,194	SH		SOLE		12,194	0	0
ALPHABET INC.	COMMON STOCK	02079K107	3,846,309	20,970	SH		DFND		20,970	0	0
ALPHABET INC CAP STK CL A	COMMON STOCK	02079K305	1,302,916	7,153	SH		SOLE		7,153	0	0
ALPHABET INC CAP STK CL A	COMMON STOCK	02079K305	3,329,511	18,279	SH		DFND		17,306	973	0
ALTRIA GROUP INC	COMMON STOCK	02209S103	151,054	3,317	SH		SOLE		3,317	0	0
ALTRIA GROUP INC	COMMON STOCK	02209S103	384,766	8,449	SH		DFND		5,474	2,975	0
AMAZON COM INC COM	COMMON STOCK	023135106	1,616,722	8,366	SH		SOLE		8,366	0	0
AMAZON COM INC COM	COMMON STOCK	023135106	4,192,940	21,697	SH		DFND		19,947	1,750	0
TR AVANTIS	EXCHANGE TRADED FDS-EQUITY	025072877	89,720	1,000	SH		SOLE		1,000	0	0
TR AVANTIS	EXCHANGE TRADED FDS-EQUITY	025072877	119,686	1,334	SH		DFND		1,334	0	0
AMERICAN ELECTRIC POWER	COMMON STOCK	025537101	114,324	1,303	SH		SOLE		1,303	0	0
AMERICAN ELECTRIC POWER	COMMON STOCK	025537101	181,970	2,074	SH		DFND		2,074	0	0
AMERICAN EXPRESS	COMMON STOCK	025816109	137,540	594	SH		SOLE		594	0	0
AMERICAN EXPRESS	COMMON STOCK	025816109	559,653	2,417	SH		DFND		2,406	11	0
AMERICAN TOWER CORP NEW COM	COMMON STOCK	03027X100	52,286	269	SH		SOLE		269	0	0
AMERICAN TOWER CORP NEW COM	COMMON STOCK	03027X100	162,108	834	SH		DFND		834	0	0
AMGEN INC COM	COMMON STOCK	031162100	380,860	1,219	SH		SOLE		1,219	0	0
AMGEN INC COM	COMMON STOCK	031162100	887,325	2,840	SH		DFND		1,191	1,649	0
ANALOG DEVICES INC	COMMON STOCK	032654105	32,869	144	SH		SOLE		144	0	0
ANALOG DEVICES INC	COMMON STOCK	032654105	193,104	846	SH		DFND		830	16	0
ELEVANCE HEALTH INC COM	COMMON STOCK	036752103	245,998	454	SH		DFND		454	0	0
APPLE COMPUTER INC. CMN.	COMMON STOCK	037833100	13,773,270	65,394	SH		SOLE		65,394	0	0
APPLE COMPUTER INC. CMN.	COMMON STOCK	037833100	9,139,410	43,393	SH		DFND		40,809	2,584	0
ARISTA NETWORKS INC COM	COMMON STOCK	040413106	186,449	532	SH		SOLE		532	0	0
ARISTA NETWORKS INC COM	COMMON STOCK	040413106	289,487	826	SH		DFND		824	2	0
ASTRAZENECA PLC SPONSORED ADR	FOREIGN EQUITIES	046353108	85,552	1,097	SH		SOLE		1,097	0	0
ASTRAZENECA PLC SPONSORED ADR	FOREIGN EQUITIES	046353108	339,328	4,351	SH		DFND		4,351	0	0
AUTOMATIC DATA PROCESSING INC - TAXABLE	COMMON STOCK	053015103	9,745,710	40,830	SH		SOLE		40,830	0	0
AUTOMATIC DATA PROCESSING INC - TAXABLE	COMMON STOCK	053015103	590,754	2,475	SH		DFND		1,175	1,300	0
AVERY DENNISON CORP COM	COMMON STOCK	053611109	147,369	674	SH		SOLE		674	0	0
AVERY DENNISON CORP COM	COMMON STOCK	053611109	277,028	1,267	SH		DFND		1,267	0	0
BP AMOCO PLC ADS (UK)	FOREIGN EQUITIES	055622104	99,318	2,752	SH		SOLE		2,752	0	0
BP AMOCO PLC ADS (UK)	FOREIGN EQUITIES	055622104	215,780	5,979	SH		DFND		5,624	355	0
BANK OF AMERICA CORP COM	COMMON STOCK	060505104	62,397	1,569	SH		SOLE		1,569	0	0
BANK OF AMERICA CORP COM	COMMON STOCK	060505104	419,531	10,549	SH		DFND		10,254	295	0
BERKSHIRE HATHAWAY INC DEL	COMMON STOCK	084670108	9,183,615	15	SH		SOLE		15	0	0
BERKSHIRE HATHAWAY INC DEL CL B NEW	COMMON STOCK	084670702	1,013,716	2,492	SH		SOLE		2,492	0	0
BERKSHIRE HATHAWAY INC DEL CL B NEW	COMMON STOCK	084670702	2,982,981	7,333	SH		DFND		7,133	200	0
BHP BILLITON LTD SPONSORED ADR	FOREIGN EQUITIES	088606108	383,244	6,713	SH		SOLE		6,713	0	0
BHP BILLITON LTD SPONSORED ADR	FOREIGN EQUITIES	088606108	106,186	1,860	SH		DFND		1,830	30	0
BLACKROCK INC COM	COMMON STOCK	09247X101	845,577	1,074	SH		SOLE		1,074	0	0
BLACKROCK INC COM	COMMON STOCK	09247X101	616,464	783	SH		DFND		756	27	0
BLACKSTONE GROUP INC COM CL A	COMMON STOCK	09260D107	185,700	1,500	SH		SOLE		1,500	0	0
BLACKSTONE GROUP INC COM CL A	COMMON STOCK	09260D107	69,327	560	SH		DFND		555	5	0
BOEING CO COM	COMMON STOCK	097023105	651,228	3,578	SH		SOLE		3,578	0	0
BOEING CO COM	COMMON STOCK	097023105	201,298	1,106	SH		DFND		1,106	0	0
BOSTON SCIENTIFIC CORP COM	COMMON STOCK	101137107	98,957	1,285	SH		SOLE		1,285	0	0
BOSTON SCIENTIFIC CORP COM	COMMON STOCK	101137107	105,888	1,375	SH		DFND		1,375	0	0
BRISTOL MYERS SQUIBB	COMMON STOCK	110122108	225,369	5,428	SH		SOLE		5,428	0	0
BRISTOL MYERS SQUIBB	COMMON STOCK	110122108	428,603	10,323	SH		DFND		7,670	2,653	0
BROADCOM INC	COMMON STOCK	11135F101	2,350,491	1,464	SH		SOLE		1,464	0	0
BROADCOM INC	COMMON STOCK	11135F101	1,751,626	1,091	SH		DFND		1,088	3	0
BROOKFIELD ASSET MGMT INC	FOREIGN EQUITIES	11271J107	24,924	600	SH		SOLE		600	0	0
BROOKFIELD ASSET MGMT INC	FOREIGN EQUITIES	11271J107	186,265	4,484	SH		DFND		4,484	0	0
CIGNA CORP NEW	COMMON STOCK	125523100	450,564	1,363	SH		SOLE		1,363	0	0
CIGNA CORP NEW	COMMON STOCK	125523100	687,914	2,081	SH		DFND		2,077	4	0
CMS ENERGY CORP	COMMON STOCK	125896100	19,878	334	SH		SOLE		334	0	0
CMS ENERGY CORP	COMMON STOCK	125896100	192,483	3,234	SH		DFND		3,217	17	0
CVS CORP.	COMMON STOCK	126650100	861,800	14,592	SH		SOLE		14,592	0	0
CVS CORP.	COMMON STOCK	126650100	260,982	4,419	SH		DFND		2,557	1,862	0
CANADIAN PAC RY LTD COM	FOREIGN EQUITIES	13646K108	238,128	3,025	SH		DFND		2,650	375	0
CARRIER GLOBAL CORPORATION COM	COMMON STOCK	14448C104	253,453	4,018	SH		SOLE		4,018	0	0
CARRIER GLOBAL CORPORATION COM	COMMON STOCK	14448C104	154,292	2,446	SH		DFND		846	1,600	0
CATERPILLAR INC COM	COMMON STOCK	149123101	785,423	2,358	SH		SOLE		2,358	0	0
CATERPILLAR INC COM	COMMON STOCK	149123101	1,232,432	3,700	SH		DFND		3,000	700	0
CHENIERE ENERGY INC COM NEW	COMMON STOCK	16411R208	102,100	584	SH		SOLE		584	0	0
CHENIERE ENERGY INC COM NEW	COMMON STOCK	16411R208	633,230	3,622	SH		DFND		3,616	6	0
CHEVRON COM	COMMON STOCK	166764100	19,881,445	127,103	SH		SOLE		127,103	0	0
CHEVRON COM	COMMON STOCK	166764100	1,163,754	7,440	SH		DFND		7,219	221	0
CISCO	COMMON STOCK	17275R102	1,127,789	23,743	SH		SOLE		23,743	0	0
CISCO	COMMON STOCK	17275R102	647,089	13,623	SH		DFND		12,053	1,570	0
CITIGROUP INC COM NEW	COMMON STOCK	172967424	109,386	1,724	SH		SOLE		1,724	0	0
CITIGROUP INC COM NEW	COMMON STOCK	172967424	187,745	2,959	SH		DFND		2,959	0	0
CLOROX CO DEL COM	COMMON STOCK	189054109	272,940	2,000	SH		SOLE		2,000	0	0
CLOROX CO DEL COM	COMMON STOCK	189054109	13,647	100	SH		DFND		100	0	0
COCA COLA CO COM	COMMON STOCK	191216100	634,269	9,965	SH		SOLE		9,965	0	0
COCA COLA CO COM	COMMON STOCK	191216100	503,977	7,918	SH		DFND		5,593	2,325	0
COLGATE PALMOLIVE CO	COMMON STOCK	194162103	465,111	4,793	SH		SOLE		4,793	0	0
COLGATE PALMOLIVE CO	COMMON STOCK	194162103	789,030	8,131	SH		DFND		8,131	0	0
COMCAST CORP NEW CL A	COMMON STOCK	20030N101	58,920	1,505	SH		SOLE		1,505	0	0
COMCAST CORP NEW CL A	COMMON STOCK	20030N101	767,411	19,602	SH		DFND		19,432	170	0
CONOCOPHILLIPS COM	COMMON STOCK	20825C104	583,108	5,098	SH		SOLE		5,098	0	0
CONOCOPHILLIPS COM	COMMON STOCK	20825C104	402,039	3,515	SH		DFND		3,281	234	0
CONSTELLATION ENERGY CORP	COMMON STOCK	21037T109	220,297	1,100	SH		SOLE		1,100	0	0
CONSTELLATION ENERGY CORP	COMMON STOCK	21037T109	66,689	333	SH		DFND		333	0	0
CORNING INC COM	COMMON STOCK	219350105	165,573	4,263	SH		SOLE		4,263	0	0
CORNING INC COM	COMMON STOCK	219350105	172,057	4,430	SH		DFND		4,398	32	0
COSTCO WHSL CORP NEW COM	COMMON STOCK	22160K105	325,537	383	SH		SOLE		383	0	0
COSTCO WHSL CORP NEW COM	COMMON STOCK	22160K105	1,304,712	1,535	SH		DFND		1,533	2	0
CROWDSTRIKE HLDGS INC CL A	COMMON STOCK	22788C105	20,308	53	SH		SOLE		53	0	0
CROWDSTRIKE HLDGS INC CL A	COMMON STOCK	22788C105	288,923	754	SH		DFND		753	1	0
CUMMINS INC COM	COMMON STOCK	231021106	480,456	1,735	SH		SOLE		1,735	0	0
CUMMINS INC COM	COMMON STOCK	231021106	208,242	752	SH		DFND		752	0	0
DBX ETF TR XTRACKERS S&P	EXCHANGE TRADED FDS-EQUITY	233051143	200,790	4,011	SH		SOLE		4,011	0	0
DNP SELECT INCOME FUND	EXCHANGE TRADED FDS-OTHER	23325P104	53,019	6,450	SH		SOLE		6,450	0	0
DNP SELECT INCOME FUND	EXCHANGE TRADED FDS-OTHER	23325P104	30,825	3,750	SH		DFND		3,750	0	0
DANAHER CORPORATION	COMMON STOCK	235851102	716,314	2,867	SH		SOLE		2,867	0	0
DANAHER CORPORATION	COMMON STOCK	235851102	497,446	1,991	SH		DFND		1,984	7	0
DEERE & CO COM	COMMON STOCK	244199105	1,802,762	4,825	SH		SOLE		4,825	0	0
DEERE & CO COM	COMMON STOCK	244199105	241,361	646	SH		DFND		640	6	0
DIAGEO P L C SPON ADR NEW	FOREIGN EQUITIES	25243Q205	273,592	2,170	SH		SOLE		2,170	0	0
DIAGEO P L C SPON ADR NEW	FOREIGN EQUITIES	25243Q205	60,138	477	SH		DFND		377	100	0
DISNEY WALT CO COM	COMMON STOCK	254687106	875,532	8,818	SH		SOLE		8,818	0	0
DISNEY WALT CO COM	COMMON STOCK	254687106	342,644	3,451	SH		DFND		3,367	84	0
DOMINION ENERGY INC COM	COMMON STOCK	25746U109	75,852	1,548	SH		SOLE		1,548	0	0
DOMINION ENERGY INC COM	COMMON STOCK	25746U109	130,193	2,657	SH		DFND		2,031	626	0
DOVER CORP	COMMON STOCK	260003108	433,080	2,400	SH		SOLE		2,400	0	0
DOVER CORP	COMMON STOCK	260003108	304,416	1,687	SH		DFND		1,675	12	0
DOW INC COM	COMMON STOCK	260557103	162,778	3,069	SH		SOLE		3,069	0	0
DOW INC COM	COMMON STOCK	260557103	137,690	2,596	SH		DFND		2,596	0	0
DUKE ENERGY CORP NEW COM NEW	COMMON STOCK	26441C204	422,065	4,211	SH		SOLE		4,211	0	0
DUKE ENERGY CORP NEW COM NEW	COMMON STOCK	26441C204	314,116	3,134	SH		DFND		2,899	235	0
DUPONT DE NEMOURS INC (NEW)	COMMON STOCK	26614N102	521,897	6,484	SH		SOLE		6,484	0	0
DUPONT DE NEMOURS INC (NEW)	COMMON STOCK	26614N102	174,904	2,173	SH		DFND		1,973	200	0
ECOLAB INC COM	COMMON STOCK	278865100	630,700	2,650	SH		SOLE		2,650	0	0
ECOLAB INC COM	COMMON STOCK	278865100	145,180	610	SH		DFND		610	0	0
EMERSON ELECTRIC	COMMON STOCK	291011104	617,336	5,604	SH		SOLE		5,604	0	0
EMERSON ELECTRIC	COMMON STOCK	291011104	756,909	6,871	SH		DFND		4,671	2,200	0
EXELON CORP COM	COMMON STOCK	30161N101	193,227	5,583	SH		SOLE		5,583	0	0
EXELON CORP COM	COMMON STOCK	30161N101	47,761	1,380	SH		DFND		1,380	0	0
EXXON MOBIL CORPORATION	COMMON STOCK	30231G102	17,911,052	155,586	SH		SOLE		155,586	0	0
EXXON MOBIL CORPORATION	COMMON STOCK	30231G102	2,703,470	23,484	SH		DFND		18,363	5,121	0
FACEBOOK INC CL A	COMMON STOCK	30303M102	346,389	687	SH		SOLE		687	0	0
FACEBOOK INC CL A	COMMON STOCK	30303M102	2,230,115	4,423	SH		DFND		4,373	50	0
FEDEX CORP	COMMON STOCK	31428X106	71,057	237	SH		SOLE		237	0	0
FEDEX CORP	COMMON STOCK	31428X106	348,100	1,161	SH		DFND		1,161	0	0
FIDELITY NATIONAL FINANCIAL FNF GROUP COM	COMMON STOCK	31620R303	88,987	1,801	SH		SOLE		1,801	0	0
FIDELITY NATIONAL FINANCIAL FNF GROUP COM	COMMON STOCK	31620R303	220,367	4,460	SH		DFND		4,460	0	0
FLEXSHARES TR ESG & CLM US LRG	EXCHANGE TRADED FDS-EQUITY	33939L613	581,970	9,500	SH		SOLE		9,500	0	0
FLUOR CORP. (NEW)	COMMON STOCK	343412102	217,700	5,000	SH		SOLE		5,000	0	0
FLUOR CORP. (NEW)	COMMON STOCK	343412102	33,438	768	SH		DFND		768	0	0
FREEPORT-MCMORAN COPPER & GOLD COM	COMMON STOCK	35671D857	461,457	9,497	SH		SOLE		9,497	0	0
FREEPORT-MCMORAN COPPER & GOLD COM	COMMON STOCK	35671D857	277,835	5,718	SH		DFND		5,718	0	0
GENERAL DYNAMICS CORPORATION	COMMON STOCK	369550108	978,897	3,374	SH		SOLE		3,374	0	0
GENERAL DYNAMICS CORPORATION	COMMON STOCK	369550108	624,064	2,151	SH		DFND		2,141	10	0
GENERAL ELECTRIC CO COM NEW	COMMON STOCK	369604301	31,476	198	SH		SOLE		198	0	0
GENERAL ELECTRIC CO COM NEW	COMMON STOCK	369604301	291,071	1,831	SH		DFND		1,831	0	0
GILEAD SCIENCES INC	COMMON STOCK	375558103	233,546	3,404	SH		SOLE		3,404	0	0
GILEAD SCIENCES INC	COMMON STOCK	375558103	82,534	1,203	SH		DFND		1,203	0	0
GOLDMAN SACHS	COMMON STOCK	38141G104	310,287	686	SH		SOLE		686	0	0
GOLDMAN SACHS	COMMON STOCK	38141G104	439,651	972	SH		DFND		972	0	0
GRAINGER W.W. INC	COMMON STOCK	384802104	812,005	900	SH		SOLE		900	0	0
GRAINGER W.W. INC	COMMON STOCK	384802104	86,613	96	SH		DFND		96	0	0
HCA HLDGS INC COM	COMMON STOCK	40412C101	305,206	950	SH		DFND		950	0	0
HALEON PLC SPNSD ADR	FOREIGN EQUITIES	405552100	7,441	901	SH		SOLE		901	0	0
HALEON PLC SPNSD ADR	FOREIGN EQUITIES	405552100	116,613	14,118	SH		DFND		13,817	301	0
HERSHEY CO COM	COMMON STOCK	427866108	70,589	384	SH		SOLE		384	0	0
HERSHEY CO COM	COMMON STOCK	427866108	366,919	1,996	SH		DFND		526	1,470	0
HOME DEPOT COM	COMMON STOCK	437076102	3,202,709	9,304	SH		SOLE		9,304	0	0
HOME DEPOT COM	COMMON STOCK	437076102	3,010,624	8,746	SH		DFND		6,134	2,612	0
HONEYWELL INTL INC COM	COMMON STOCK	438516106	727,529	3,407	SH		SOLE		3,407	0	0
HONEYWELL INTL INC COM	COMMON STOCK	438516106	503,948	2,360	SH		DFND		2,360	0	0
ILLINOIS TOOL WKS INC COM	COMMON STOCK	452308109	747,134	3,153	SH		SOLE		3,153	0	0
ILLINOIS TOOL WKS INC COM	COMMON STOCK	452308109	203,782	860	SH		DFND		860	0	0
INGERSOLL RAND INC COM	COMMON STOCK	45687V106	400,786	4,412	SH		SOLE		4,412	0	0
INGERSOLL RAND INC COM	COMMON STOCK	45687V106	109,187	1,202	SH		DFND		1,192	10	0
INTEL COM	COMMON STOCK	458140100	180,959	5,845	SH		SOLE		5,845	0	0
INTEL COM	COMMON STOCK	458140100	420,430	13,580	SH		DFND		10,355	3,225	0
INTL BUSINESS MACHINES COM	COMMON STOCK	459200101	821,336	4,749	SH		SOLE		4,749	0	0
INTL BUSINESS MACHINES COM	COMMON STOCK	459200101	567,617	3,282	SH		DFND		3,164	118	0
INVESCO QQQ TR UNIT SER 1	EXCHANGE TRADED FDS-EQUITY	46090E103	1,435,857	2,997	SH		SOLE		2,997	0	0
INVESCO QQQ TR UNIT SER 1	EXCHANGE TRADED FDS-EQUITY	46090E103	1,969,574	4,111	SH		DFND		3,911	200	0
INTUITIVE SURGICAL INC COM NEW	COMMON STOCK	46120E602	53,380	120	SH		SOLE		120	0	0
INTUITIVE SURGICAL INC COM NEW	COMMON STOCK	46120E602	190,835	429	SH		DFND		429	0	0
INTUIT COM	COMMON STOCK	461202103	84,121	128	SH		SOLE		128	0	0
INTUIT COM	COMMON STOCK	461202103	345,688	526	SH		DFND		526	0	0
INVESCO ETF S&P 500 EQUAL WEIGHT	EXCHANGE TRADED FDS-EQUITY	46137V357	277,303	1,688	SH		SOLE		1,688	0	0
INVESCO ETF S&P 500 EQUAL WEIGHT	EXCHANGE TRADED FDS-EQUITY	46137V357	234,920	1,430	SH		DFND		1,430	0	0
INVESCO EXCHANGE TRADED FD TS&P 500 GARP ETF	EXCHANGE TRADED FDS-EQUITY	46137V431	227,657	2,215	SH		SOLE		2,215	0	0
INVESCO EXCH TRADED FD TR IIS&P500 LOW VOL	EXCHANGE TRADED FDS-OTHER	46138E354	14,094	217	SH		SOLE		217	0	0
INVESCO EXCH TRADED FD TR IIS&P500 LOW VOL	EXCHANGE TRADED FDS-OTHER	46138E354	226,154	3,482	SH		DFND		1,677	1,805	0
IRON MTN INC NEW COM	COMMON STOCK	46284V101	291,801	3,256	SH		SOLE		3,256	0	0
IRON MTN INC NEW COM	COMMON STOCK	46284V101	238,207	2,658	SH		DFND		2,658	0	0
ISHARES GOLD TRUST	EXCHANGE TRADED FDS-EQUITY	464285204	206,471	4,700	SH		SOLE		4,700	0	0
ISHARES GOLD TRUST	EXCHANGE TRADED FDS-EQUITY	464285204	158,148	3,600	SH		DFND		3,600	0	0
I SHARES TR S&P 100 ETF	EXCHANGE TRADED FDS-EQUITY	464287101	229,932	870	SH		DFND		870	0	0
ISHARES TR CORE S&P TTL STK	EXCHANGE TRADED FDS-EQUITY	464287150	368,218	3,100	SH		SOLE		3,100	0	0
ISHARES TR CORE S&P TTL STK	EXCHANGE TRADED FDS-EQUITY	464287150	1,567,656	13,198	SH		DFND		13,198	0	0
ISHARES TR INDEX DJ SEL DIV INX	EXCHANGE TRADED FDS-EQUITY	464287168	107,308	887	SH		SOLE		887	0	0
ISHARES TR INDEX DJ SEL DIV INX	EXCHANGE TRADED FDS-EQUITY	464287168	275,834	2,280	SH		DFND		2,280	0	0
ISHARES TR S&P 500 INDEX	EXCHANGE TRADED FDS-EQUITY	464287200	868,984	1,588	SH		SOLE		1,588	0	0
ISHARES TR S&P 500 INDEX	EXCHANGE TRADED FDS-EQUITY	464287200	1,195,674	2,185	SH		DFND		2,170	15	0
ISHARES TR S&P 500 GRWT ETF	EXCHANGE TRADED FDS-EQUITY	464287309	837,949	9,055	SH		SOLE		9,055	0	0
ISHARES TR S&P 500 GRWT ETF	EXCHANGE TRADED FDS-EQUITY	464287309	828,786	8,956	SH		DFND		8,956	0	0
ISHARES TR S&P 500 VAL ETF	EXCHANGE TRADED FDS-EQUITY	464287408	72,804	400	SH		SOLE		400	0	0
ISHARES TR S&P 500 VAL ETF	EXCHANGE TRADED FDS-EQUITY	464287408	172,362	947	SH		DFND		947	0	0
ISHARES TR INDEX MSCI EAFE IDX	EXCHANGE TRADED FDS-EQUITY	464287465	343,160	4,381	SH		SOLE		4,381	0	0
ISHARES TR INDEX MSCI EAFE IDX	EXCHANGE TRADED FDS-EQUITY	464287465	482,511	6,160	SH		DFND		6,160	0	0
ISHARES TR RUSSELL MIDCAP VALUE INDEX FUND	EXCHANGE TRADED FDS-EQUITY	464287473	34,652	287	SH		SOLE		287	0	0
ISHARES TR RUSSELL MIDCAP VALUE INDEX FUND	EXCHANGE TRADED FDS-EQUITY	464287473	201,994	1,673	SH		DFND		1,673	0	0
ISHARES TR INDEX RUSSELL MCP GR	EXCHANGE TRADED FDS-EQUITY	464287481	21,076	191	SH		SOLE		191	0	0
ISHARES TR INDEX RUSSELL MCP GR	EXCHANGE TRADED FDS-EQUITY	464287481	541,597	4,908	SH		DFND		4,908	0	0
ISHARES TR RUSSELL MIDCAP INDEX FD	EXCHANGE TRADED FDS-EQUITY	464287499	255,724	3,154	SH		SOLE		3,154	0	0
ISHARES TR RUSSELL MIDCAP INDEX FD	EXCHANGE TRADED FDS-EQUITY	464287499	434,100	5,354	SH		DFND		5,354	0	0
ISHARES TR S&P MIDCAP 400	EXCHANGE TRADED FDS-EQUITY	464287507	1,284,162	21,944	SH		SOLE		21,944	0	0
ISHARES TR S&P MIDCAP 400	EXCHANGE TRADED FDS-EQUITY	464287507	278,262	4,755	SH		DFND		4,755	0	0
ISHARES TR EXPANDED TECH	EXCHANGE TRADED FDS-EQUITY	464287515	219,421	2,525	SH		SOLE		2,525	0	0
ISHARES TR PHLX SEMICND ETF	EXCHANGE TRADED FDS-EQUITY	464287523	264,880	1,074	SH		DFND		1,074	0	0
IBB/ ISHARES NASDAQ BIOTECH INDEX FUND	EXCHANGE TRADED FDS-EQUITY	464287556	27,177	198	SH		SOLE		198	0	0
IBB/ ISHARES NASDAQ BIOTECH INDEX FUND	EXCHANGE TRADED FDS-EQUITY	464287556	195,182	1,422	SH		DFND		0	1,422	0
ISHARES TR RUSSELL1000VAL	EXCHANGE TRADED FDS-EQUITY	464287598	203,082	1,164	SH		SOLE		1,164	0	0
ISHARES TR RUSSELL1000VAL	EXCHANGE TRADED FDS-EQUITY	464287598	261,177	1,497	SH		DFND		1,497	0	0
ISHARES TR INDEX RUSSELL1000GRW	EXCHANGE TRADED FDS-EQUITY	464287614	399,866	1,097	SH		SOLE		1,097	0	0
ISHARES TR INDEX RUSSELL1000GRW	EXCHANGE TRADED FDS-EQUITY	464287614	942,982	2,587	SH		DFND		2,587	0	0
ISHARES TR RUSSELL 2000	EXCHANGE TRADED FDS-EQUITY	464287655	1,218,351	6,005	SH		SOLE		6,005	0	0
ISHARES TR RUSSELL 2000	EXCHANGE TRADED FDS-EQUITY	464287655	723,503	3,566	SH		DFND		3,566	0	0
ISHARES CORE S&P VALUE	EXCHANGE TRADED FDS-EQUITY	464287663	539,706	6,124	SH		DFND		6,124	0	0
ISHARES TR DJ US TECH SEC	EXCHANGE TRADED FDS-EQUITY	464287721	403,340	2,680	SH		DFND		0	2,680	0
ISHARES TR S&P SMALL CAP 600 INDEX	EXCHANGE TRADED FDS-EQUITY	464287804	1,277,142	11,974	SH		SOLE		11,974	0	0
ISHARES TR S&P SMALL CAP 600 INDEX	EXCHANGE TRADED FDS-EQUITY	464287804	703,314	6,594	SH		DFND		6,594	0	0
ISHARES TR MSCI ACWI INDX	EXCHANGE TRADED FDS-EQUITY	464288257	296,173	2,635	SH		DFND		2,635	0	0
ISHARES TR NATIONAL MUN ETF	ETF - TAX EXEMPT	464288414	700,565	6,575	SH		SOLE		6,575	0	0
ISHARES TR USD INV GRDE ETF	EXCHANGE TRADED FDS-OTHER	464288620	179,263	3,571	SH		SOLE		3,571	0	0
ISHARES TR USD INV GRDE ETF	EXCHANGE TRADED FDS-OTHER	464288620	36,646	730	SH		DFND		730	0	0
ISHARES TR DJ PHARMA INDX	EXCHANGE TRADED FDS-EQUITY	464288836	218,823	3,300	SH		SOLE		3,300	0	0
ISHARES TR MSCI VAL IDX	EXCHANGE TRADED FDS-EQUITY	464288877	424,475	8,003	SH		SOLE		8,003	0	0
ISHARES TR MSCI VAL IDX	EXCHANGE TRADED FDS-EQUITY	464288877	23,868	450	SH		DFND		450	0	0
ISHARES TR MSCI GRW IDX	EXCHANGE TRADED FDS-EQUITY	464288885	215,233	2,104	SH		SOLE		2,104	0	0
ISHARES TR MSCI GRW IDX	EXCHANGE TRADED FDS-EQUITY	464288885	81,122	793	SH		DFND		793	0	0
I SHARES US TREASURY BOND ETF	EXCHANGE TRADED FDS-OTHER	46429B267	144,450	6,403	SH		SOLE		6,403	0	0
I SHARES US TREASURY BOND ETF	EXCHANGE TRADED FDS-OTHER	46429B267	75,395	3,342	SH		DFND		0	3,342	0
ISHARES TR USA MIN VOL ETF	EXCHANGE TRADED FDS-EQUITY	46429B697	260,863	3,107	SH		SOLE		3,107	0	0
ISHARES TR USA QUALITY FCTR	EXCHANGE TRADED FDS-EQUITY	46432F339	253,918	1,487	SH		SOLE		1,487	0	0
ISHARES TR CORE MSCI EAFE	EXCHANGE TRADED FDS-EQUITY	46432F842	231,614	3,189	SH		SOLE		3,189	0	0
ISHARES TR CORE MSCI EAFE	EXCHANGE TRADED FDS-EQUITY	46432F842	485,602	6,686	SH		DFND		6,686	0	0
ISHARES INC CORE MSCI EMKT	EXCHANGE TRADED FDS-EQUITY	46434G103	690,029	12,893	SH		SOLE		12,893	0	0
ISHARES INC CORE MSCI EMKT	EXCHANGE TRADED FDS-EQUITY	46434G103	199,308	3,724	SH		DFND		3,724	0	0
ISHARES DIVIDEND GROWTH ETF	EXCHANGE TRADED FDS-EQUITY	46434V621	1,015,718	17,631	SH		DFND		17,631	0	0
JP MORGAN CHASE & CO COM	COMMON STOCK	46625H100	2,504,172	12,381	SH		SOLE		12,381	0	0
JP MORGAN CHASE & CO COM	COMMON STOCK	46625H100	2,757,803	13,635	SH		DFND		11,960	1,675	0
J P MORGAN EXCHANGE-TRADED FULTRA SHT MUNCPL	MUTUAL FUNDS-TAX EXEMPT	46641Q654	96,558	1,903	SH		SOLE		1,903	0	0
J P MORGAN EXCHANGE-TRADED FULTRA SHT MUNCPL	MUTUAL FUNDS-TAX EXEMPT	46641Q654	210,063	4,140	SH		DFND		2,700	1,440	0
JP MORGAN ETF ULTRA SHORT INCOME	EXCHANGE TRADED FDS-OTHER	46641Q837	261,080	5,173	SH		SOLE		5,173	0	0
JP MORGAN ETF ULTRA SHORT INCOME	EXCHANGE TRADED FDS-OTHER	46641Q837	1,541,302	30,539	SH		DFND		30,539	0	0
JACOBS SOLUTIONS INC COM	COMMON STOCK	46982L108	209,565	1,500	SH		SOLE		1,500	0	0
JOHNSON & JOHNSON COM	COMMON STOCK	478160104	7,656,872	52,387	SH		SOLE		52,387	0	0
JOHNSON & JOHNSON COM	COMMON STOCK	478160104	2,650,013	18,131	SH		DFND		16,435	1,696	0
KKR & CO INC COM	COMMON STOCK	48251W104	136,812	1,300	SH		SOLE		1,300	0	0
KKR & CO INC COM	COMMON STOCK	48251W104	222,896	2,118	SH		DFND		2,110	8	0
KENVUE INC COM	COMMON STOCK	49177J102	281,153	15,465	SH		SOLE		15,465	0	0
KENVUE INC COM	COMMON STOCK	49177J102	63,353	3,485	SH		DFND		3,447	38	0
KIMBERLY - CLARK CORP	COMMON STOCK	494368103	1,489,381	10,777	SH		SOLE		10,777	0	0
KIMBERLY - CLARK CORP	COMMON STOCK	494368103	208,820	1,511	SH		DFND		361	1,150	0
L3HARRIS TECHNOLOGIES INC COM	COMMON STOCK	502431109	1,083,372	4,824	SH		SOLE		4,824	0	0
L3HARRIS TECHNOLOGIES INC COM	COMMON STOCK	502431109	226,150	1,007	SH		DFND		1,007	0	0
LABORATORY CORP AMER HLDGS COM NEW	COMMON STOCK	504922105	252,756	1,242	SH		DFND		1,242	0	0
LAM RESEARCH CORP COM	COMMON STOCK	512807108	318,388	299	SH		DFND		299	0	0
LENNAR CORP	COMMON STOCK	526057104	271,563	1,812	SH		DFND		1,812	0	0
LILLY ELI & COMPANY	COMMON STOCK	532457108	6,989,529	7,720	SH		SOLE		7,720	0	0
LILLY ELI & COMPANY	COMMON STOCK	532457108	4,015,354	4,435	SH		DFND		3,035	1,400	0
LOCKHEED MARTIN CORP COM	COMMON STOCK	539830109	721,184	1,544	SH		SOLE		1,544	0	0
LOCKHEED MARTIN CORP COM	COMMON STOCK	539830109	631,497	1,352	SH		DFND		1,152	200	0
LOWES COMPANIES	COMMON STOCK	548661107	71,428	324	SH		SOLE		324	0	0
LOWES COMPANIES	COMMON STOCK	548661107	315,694	1,432	SH		DFND		1,324	108	0
MARSH & MCLENNAN COS INC COM	COMMON STOCK	571748102	40,668	193	SH		SOLE		193	0	0
MARSH & MCLENNAN COS INC COM	COMMON STOCK	571748102	265,503	1,260	SH		DFND		1,244	16	0
MARRIOTT INTL INC NEW CL A	COMMON STOCK	571903202	4,110	17	SH		SOLE		17	0	0
MARRIOTT INTL INC NEW CL A	COMMON STOCK	571903202	333,400	1,379	SH		DFND		1,379	0	0
MASTERCARD INCORPORATED CL A	COMMON STOCK	57636Q104	488,789	1,108	SH		SOLE		1,108	0	0
MASTERCARD INCORPORATED CL A	COMMON STOCK	57636Q104	1,245,802	2,824	SH		DFND		2,815	9	0
MCDONALDS CORP COM	COMMON STOCK	580135101	452,592	1,776	SH		SOLE		1,776	0	0
MCDONALDS CORP COM	COMMON STOCK	580135101	1,221,439	4,793	SH		DFND		4,129	664	0
MERCK & CO INC	COMMON STOCK	58933Y105	2,271,110	18,345	SH		SOLE		18,345	0	0
MERCK & CO INC	COMMON STOCK	58933Y105	1,559,997	12,601	SH		DFND		9,143	3,458	0
METLIFE INC COM	COMMON STOCK	59156R108	71,662	1,021	SH		SOLE		1,021	0	0
METLIFE INC COM	COMMON STOCK	59156R108	273,667	3,899	SH		DFND		3,128	771	0
MICROSOFT COM	COMMON STOCK	594918104	3,299,818	7,383	SH		SOLE		7,383	0	0
MICROSOFT COM	COMMON STOCK	594918104	8,297,165	18,564	SH		DFND		16,642	1,922	0
MONDELEZ INTL INC CL A	COMMON STOCK	609207105	618,408	9,450	SH		SOLE		9,450	0	0
MONDELEZ INTL INC CL A	COMMON STOCK	609207105	197,821	3,023	SH		DFND		3,005	18	0
MOODYS CORP COM	COMMON STOCK	615369105	1,721,562	4,090	SH		SOLE		4,090	0	0
MOODYS CORP COM	COMMON STOCK	615369105	12,626	30	SH		DFND		28	2	0
MORGAN STANLEY DEAN WITTER	COMMON STOCK	617446448	16,716	172	SH		SOLE		172	0	0
MORGAN STANLEY DEAN WITTER	COMMON STOCK	617446448	293,508	3,020	SH		DFND		2,989	31	0
NETFLIX INC COM	COMMON STOCK	64110L106	126,874	188	SH		SOLE		188	0	0
NETFLIX INC COM	COMMON STOCK	64110L106	1,104,098	1,636	SH		DFND		1,636	0	0
NEXTERA ENERGY INC	COMMON STOCK	65339F101	387,540	5,473	SH		SOLE		5,473	0	0
NEXTERA ENERGY INC	COMMON STOCK	65339F101	368,278	5,201	SH		DFND		4,636	565	0
NIKE INC CL B	COMMON STOCK	654106103	333,735	4,428	SH		SOLE		4,428	0	0
NIKE INC CL B	COMMON STOCK	654106103	398,926	5,293	SH		DFND		5,270	23	0
NORFOLK SOUTHERN CORP COM	COMMON STOCK	655844108	1,342,025	6,251	SH		SOLE		6,251	0	0
NORFOLK SOUTHERN CORP COM	COMMON STOCK	655844108	47,659	222	SH		DFND		105	117	0
NORTHROP GRUMMAN CORP COM	COMMON STOCK	666807102	156,069	358	SH		SOLE		358	0	0
NORTHROP GRUMMAN CORP COM	COMMON STOCK	666807102	187,019	429	SH		DFND		392	37	0
NOVARTIS A G SPONSORED ADR	FOREIGN EQUITIES	66987V109	200,676	1,885	SH		SOLE		1,885	0	0
NOVARTIS A G SPONSORED ADR	FOREIGN EQUITIES	66987V109	82,825	778	SH		DFND		778	0	0
NOVO-NORDISK A S ADR	FOREIGN EQUITIES	670100205	1,022,161	7,161	SH		SOLE		7,161	0	0
NOVO-NORDISK A S ADR	FOREIGN EQUITIES	670100205	250,508	1,755	SH		DFND		1,455	300	0
NVIDIA CORP	COMMON STOCK	67066G104	398,044	3,222	SH		SOLE		3,222	0	0
NVIDIA CORP	COMMON STOCK	67066G104	6,659,418	53,905	SH		DFND		53,905	0	0
ORACLE CORPORATION	COMMON STOCK	68389X105	478,526	3,389	SH		SOLE		3,389	0	0
ORACLE CORPORATION	COMMON STOCK	68389X105	656,010	4,646	SH		DFND		4,617	29	0
OTIS WORLDWIDE CORP COM	COMMON STOCK	68902V107	227,268	2,361	SH		SOLE		2,361	0	0
OTIS WORLDWIDE CORP COM	COMMON STOCK	68902V107	105,017	1,091	SH		DFND		273	818	0
PNC FINL SVCS GROUP INC COM	COMMON STOCK	693475105	89,867	578	SH		SOLE		578	0	0
PNC FINL SVCS GROUP INC COM	COMMON STOCK	693475105	405,797	2,610	SH		DFND		1,747	863	0
PPG INDS INC COM	COMMON STOCK	693506107	4,909	39	SH		SOLE		39	0	0
PPG INDS INC COM	COMMON STOCK	693506107	285,264	2,266	SH		DFND		2,249	17	0
PACER FDS TR US CASH COWS 100	EXCHANGE TRADED FDS-EQUITY	69374H881	165,866	3,044	SH		SOLE		3,044	0	0
PACER FDS TR US CASH COWS 100	EXCHANGE TRADED FDS-EQUITY	69374H881	86,421	1,586	SH		DFND		0	1,586	0
PACKAGING CORP AMER COM	COMMON STOCK	695156109	273,840	1,500	SH		SOLE		1,500	0	0
PACKAGING CORP AMER COM	COMMON STOCK	695156109	11,501	63	SH		DFND		63	0	0
PALO ALTO NETWORKS INC COM	COMMON STOCK	697435105	895,662	2,642	SH		SOLE		2,642	0	0
PALO ALTO NETWORKS INC COM	COMMON STOCK	697435105	536,311	1,582	SH		DFND		1,580	2	0
PARKER HANNIFIN CORP COM	COMMON STOCK	701094104	27,818	55	SH		SOLE		55	0	0
PARKER HANNIFIN CORP COM	COMMON STOCK	701094104	196,753	389	SH		DFND		386	3	0
PAYCHEX INC COM	COMMON STOCK	704326107	332,916	2,808	SH		SOLE		2,808	0	0
PAYCHEX INC COM	COMMON STOCK	704326107	101,959	860	SH		DFND		860	0	0
PEPSICO INC	COMMON STOCK	713448108	1,849,847	11,216	SH		SOLE		11,216	0	0
PEPSICO INC	COMMON STOCK	713448108	1,588,759	9,633	SH		DFND		8,850	783	0
PFIZER INC COM	COMMON STOCK	717081103	930,502	33,268	SH		SOLE		33,268	0	0
PFIZER INC COM	COMMON STOCK	717081103	479,177	17,132	SH		DFND		13,314	3,818	0
PHILIP MORRIS INTL INC COM	COMMON STOCK	718172109	74,981	740	SH		SOLE		740	0	0
PHILIP MORRIS INTL INC COM	COMMON STOCK	718172109	360,324	3,556	SH		DFND		2,684	872	0
PHILLIPS 66 COM	COMMON STOCK	718546104	365,345	2,588	SH		SOLE		2,588	0	0
PHILLIPS 66 COM	COMMON STOCK	718546104	417,152	2,955	SH		DFND		2,655	300	0
T. ROWE PRICE GROUP INC	COMMON STOCK	74144T108	236,385	2,050	SH		SOLE		2,050	0	0
T. ROWE PRICE GROUP INC	COMMON STOCK	74144T108	22,715	197	SH		DFND		197	0	0
PROCTER & GAMBLE CO.	COMMON STOCK	742718109	2,964,593	17,976	SH		SOLE		17,976	0	0
PROCTER & GAMBLE CO.	COMMON STOCK	742718109	1,982,496	12,021	SH		DFND		10,042	1,979	0
PROLOGIS INC COM	COMMON STOCK	74340W103	221,922	1,976	SH		DFND		1,967	9	0
PROSHARES TR S&P MDCP 400 DIV	EXCHANGE TRADED FDS-EQUITY	74347B680	17,960	244	SH		SOLE		244	0	0
PROSHARES TR S&P MDCP 400 DIV	EXCHANGE TRADED FDS-EQUITY	74347B680	295,912	4,020	SH		DFND		4,020	0	0
PROSHARES TR S&P 500 DV ARIST	EXCHANGE TRADED FDS-EQUITY	74348A467	230,712	2,400	SH		SOLE		2,400	0	0
PROSHARES TR S&P 500 DV ARIST	EXCHANGE TRADED FDS-EQUITY	74348A467	237,056	2,466	SH		DFND		1,000	1,466	0
QUALCOMM INC COM	COMMON STOCK	747525103	308,527	1,549	SH		SOLE		1,549	0	0
QUALCOMM INC COM	COMMON STOCK	747525103	641,156	3,219	SH		DFND		2,519	700	0
RTX CORPORATION COM	COMMON STOCK	75513E101	1,682,128	16,756	SH		SOLE		16,756	0	0
RTX CORPORATION COM	COMMON STOCK	75513E101	1,103,677	10,994	SH		DFND		6,365	4,629	0
REALTY INCOME CORP COM	COMMON STOCK	756109104	152,089	2,880	SH		SOLE		2,880	0	0
REALTY INCOME CORP COM	COMMON STOCK	756109104	216,515	4,100	SH		DFND		4,100	0	0
SHELL PLC SPONSORED ADR REPRESENTING B SHRS	FOREIGN EQUITIES	780259305	200,514	2,778	SH		SOLE		2,778	0	0
SHELL PLC SPONSORED ADR REPRESENTING B SHRS	FOREIGN EQUITIES	780259305	154,030	2,134	SH		DFND		2,102	32	0
SPDR TR UNIT SER 1	EXCHANGE TRADED FDS-EQUITY	78462F103	1,124,333	2,066	SH		SOLE		2,066	0	0
SPDR TR UNIT SER 1	EXCHANGE TRADED FDS-EQUITY	78462F103	1,770,856	3,254	SH		DFND		1,855	1,399	0
SPDR GOLD TRUST GOLD SHS	EXCHANGE TRADED FDS-OTHER	78463V107	116,103	540	SH		SOLE		540	0	0
SPDR GOLD TRUST GOLD SHS	EXCHANGE TRADED FDS-OTHER	78463V107	235,218	1,094	SH		DFND		939	155	0
SPDR SER TR PRTFLO S&P500 VL	EXCHANGE TRADED FDS-EQUITY	78464A508	223,423	4,584	SH		SOLE		4,584	0	0
SPDR SER TR PRTFLO S&P500 VL	EXCHANGE TRADED FDS-EQUITY	78464A508	49,227	1,010	SH		DFND		1,010	0	0
SPDR SERIES TRUST S&P DIVID ETF	EXCHANGE TRADED FDS-EQUITY	78464A763	82,667	650	SH		SOLE		650	0	0
SPDR SERIES TRUST S&P DIVID ETF	EXCHANGE TRADED FDS-EQUITY	78464A763	165,079	1,298	SH		DFND		1,298	0	0
SPDR S & P MIDCAP ETF	EXCHANGE TRADED FDS-EQUITY	78467Y107	141,260	264	SH		SOLE		264	0	0
SPDR S & P MIDCAP ETF	EXCHANGE TRADED FDS-EQUITY	78467Y107	107,016	200	SH		DFND		200	0	0
SPDR SER TR PORTFOLIO SM ETF	EXCHANGE TRADED FDS-EQUITY	78468R853	193,437	4,659	SH		SOLE		4,659	0	0
SPDR SER TR PORTFOLIO SM ETF	EXCHANGE TRADED FDS-EQUITY	78468R853	77,724	1,872	SH		DFND		1,872	0	0
SALESFORCE COM INC COM	COMMON STOCK	79466L302	529,346	2,059	SH		SOLE		2,059	0	0
SALESFORCE COM INC COM	COMMON STOCK	79466L302	582,818	2,267	SH		DFND		2,267	0	0
SCHLUMBERGER LTD	FOREIGN EQUITIES	806857108	58,975	1,250	SH		SOLE		1,250	0	0
SCHLUMBERGER LTD	FOREIGN EQUITIES	806857108	169,517	3,593	SH		DFND		3,593	0	0
SCHWAB CHARLES CORP NEW COM	COMMON STOCK	808513105	1,257,148	17,060	SH		SOLE		17,060	0	0
SCHWAB CHARLES CORP NEW COM	COMMON STOCK	808513105	467,780	6,348	SH		DFND		6,232	116	0
SCHWAB STRATEGIC TR US BRD MKT ETF	EXCHANGE TRADED FDS-OTHER	808524102	31,240	497	SH		SOLE		497	0	0
SCHWAB STRATEGIC TR US BRD MKT ETF	EXCHANGE TRADED FDS-OTHER	808524102	440,020	7,000	SH		DFND		0	0	7,000
SCHWAB STRATEGIC TR US LRG CAP ETF	EXCHANGE TRADED FDS-EQUITY	808524201	343,800	5,351	SH		SOLE		5,351	0	0
SCHWAB STRATEGIC TR US LRG CAP ETF	EXCHANGE TRADED FDS-EQUITY	808524201	96,375	1,500	SH		DFND		1,500	0	0
SCHWAB STRATEGIC TR US DIVIDEND EQ	EXCHANGE TRADED FDS-EQUITY	808524797	375,424	4,828	SH		SOLE		4,828	0	0
SCHWAB STRATEGIC TR US DIVIDEND EQ	EXCHANGE TRADED FDS-EQUITY	808524797	27,138	349	SH		DFND		349	0	0
SCHWAB STRATEGIC INTL EQUITYETF	EXCHANGE TRADED FDS-OTHER	808524805	272,326	7,090	SH		DFND		3,490	0	3,600
SERVICENOW INC COM	COMMON STOCK	81762P102	88,102	112	SH		SOLE		112	0	0
SERVICENOW INC COM	COMMON STOCK	81762P102	372,086	473	SH		DFND		469	4	0
SHERWIN WILLIAMS CO COM	COMMON STOCK	824348106	83,555	280	SH		SOLE		280	0	0
SHERWIN WILLIAMS CO COM	COMMON STOCK	824348106	170,396	571	SH		DFND		571	0	0
SONOCO PRODS CO COM	COMMON STOCK	835495102	13,035	257	SH		SOLE		257	0	0
SONOCO PRODS CO COM	COMMON STOCK	835495102	838,451	16,531	SH		DFND		16,531	0	0
SOUTHERN COMPANY	COMMON STOCK	842587107	326,060	4,204	SH		SOLE		4,204	0	0
SOUTHERN COMPANY	COMMON STOCK	842587107	402,068	5,184	SH		DFND		3,524	1,660	0
STARBUCKS CORP COM	COMMON STOCK	855244109	161,690	2,077	SH		SOLE		2,077	0	0
STARBUCKS CORP COM	COMMON STOCK	855244109	393,990	5,061	SH		DFND		4,961	100	0
STATE STREET CORP	COMMON STOCK	857477103	273,800	3,700	SH		SOLE		3,700	0	0
STRYKER CORP	COMMON STOCK	863667101	1,642,384	4,827	SH		SOLE		4,827	0	0
STRYKER CORP	COMMON STOCK	863667101	337,186	991	SH		DFND		446	545	0
SUPER MICRO COMPUTER INC COM	COMMON STOCK	86800U104	204,015	249	SH		DFND		248	1	0
SYSCO CORP COM	COMMON STOCK	871829107	23,197	325	SH		SOLE		325	0	0
SYSCO CORP COM	COMMON STOCK	871829107	281,375	3,942	SH		DFND		2,895	1,047	0
TJX COS INC NEW COM	COMMON STOCK	872540109	228,676	2,077	SH		SOLE		2,077	0	0
TJX COS INC NEW COM	COMMON STOCK	872540109	242,217	2,200	SH		DFND		2,153	47	0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADR	FOREIGN EQUITIES	874039100	57,878	333	SH		SOLE		333	0	0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADR	FOREIGN EQUITIES	874039100	584,172	3,361	SH		DFND		3,337	24	0
TARGET CORPORATION	COMMON STOCK	87612E106	4,634,835	31,308	SH		SOLE		31,308	0	0
TARGET CORPORATION	COMMON STOCK	87612E106	186,377	1,259	SH		DFND		1,259	0	0
TESLA MTRS INC COM	COMMON STOCK	88160R101	21,963	111	SH		SOLE		111	0	0
TESLA MTRS INC COM	COMMON STOCK	88160R101	588,295	2,973	SH		DFND		2,973	0	0
TEVA PHARMACEUTICAL INDUS. LTD ADR	FOREIGN EQUITIES	881624209	240,012	14,770	SH		DFND		14,770	0	0
TEXAS INSTRUMENTS	COMMON STOCK	882508104	206,197	1,060	SH		SOLE		1,060	0	0
TEXAS INSTRUMENTS	COMMON STOCK	882508104	285,564	1,468	SH		DFND		1,446	22	0
THERMO FISHER SCIENTIFIC INC	COMMON STOCK	883556102	546,364	988	SH		SOLE		988	0	0
THERMO FISHER SCIENTIFIC INC	COMMON STOCK	883556102	305,809	553	SH		DFND		553	0	0
3M COMPANY COM	COMMON STOCK	88579Y101	221,646	2,169	SH		SOLE		2,169	0	0
3M COMPANY COM	COMMON STOCK	88579Y101	379,633	3,715	SH		DFND		1,985	1,730	0
ST PAUL TRAVELERS COS	COMMON STOCK	89417E109	235,466	1,158	SH		SOLE		1,158	0	0
ST PAUL TRAVELERS COS	COMMON STOCK	89417E109	88,248	434	SH		DFND		430	4	0
US BANCORP DEL COM NEW	COMMON STOCK	902973304	229,664	5,785	SH		SOLE		5,785	0	0
US BANCORP DEL COM NEW	COMMON STOCK	902973304	238,397	6,005	SH		DFND		5,977	28	0
UBER TECHNOLOGIES INC COM	COMMON STOCK	90353T100	139,108	1,914	SH		SOLE		1,914	0	0
UBER TECHNOLOGIES INC COM	COMMON STOCK	90353T100	318,918	4,388	SH		DFND		4,388	0	0
UNILEVER PLC SPON ADR NEW	FOREIGN EQUITIES	904767704	9,293	169	SH		SOLE		169	0	0
UNILEVER PLC SPON ADR NEW	FOREIGN EQUITIES	904767704	232,220	4,223	SH		DFND		2,573	1,650	0
UNION PAC CORP COM	COMMON STOCK	907818108	1,122,248	4,960	SH		SOLE		4,960	0	0
UNION PAC CORP COM	COMMON STOCK	907818108	440,748	1,948	SH		DFND		1,928	20	0
UNITED PARCEL SERVICE CL B COM	COMMON STOCK	911312106	546,987	3,997	SH		SOLE		3,997	0	0
UNITED PARCEL SERVICE CL B COM	COMMON STOCK	911312106	345,267	2,523	SH		DFND		1,536	987	0
UNITED RENTALS INC COM	COMMON STOCK	911363109	203,715	315	SH		DFND		315	0	0
UNITEDHEALTH GROUP INC	COMMON STOCK	91324P102	319,812	628	SH		SOLE		628	0	0
UNITEDHEALTH GROUP INC	COMMON STOCK	91324P102	997,125	1,958	SH		DFND		1,866	92	0
VALERO ENERGY CORP NEW COM	COMMON STOCK	91913Y100	517,463	3,301	SH		DFND		3,001	300	0
VANECK ETF TRUST MRNGSTR WDE MOAT	EXCHANGE TRADED FDS-OTHER	92189F643	270,309	3,121	SH		SOLE		3,121	0	0
VANGUARD SPECIALIZED PORT DIVD APPREC INDX ETF	EXCHANGE TRADED FDS-EQUITY	921908844	789,160	4,323	SH		SOLE		4,323	0	0
VANGUARD SPECIALIZED PORT DIVD APPREC INDX ETF	EXCHANGE TRADED FDS-EQUITY	921908844	524,647	2,874	SH		DFND		2,874	0	0
VANGUARD STAR FD VG TL INTL STK F	EXCHANGE TRADED FDS-EQUITY	921909768	44,613	740	SH		SOLE		740	0	0
VANGUARD STAR FD VG TL INTL STK F	EXCHANGE TRADED FDS-EQUITY	921909768	159,706	2,649	SH		DFND		2,649	0	0
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F	EXCHANGE TRADED FDS-EQUITY	921932505	958,667	2,875	SH		SOLE		2,875	0	0
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F	EXCHANGE TRADED FDS-EQUITY	921932505	487,502	1,462	SH		DFND		1,462	0	0
VANGUARD BD INDEX FD INC INTERMED TERM	EXCHANGE TRADED FDS-EQUITY	921937819	61,399	820	SH		SOLE		820	0	0
VANGUARD BD INDEX FD INC INTERMED TERM	EXCHANGE TRADED FDS-EQUITY	921937819	145,339	1,941	SH		DFND		1,605	0	336
VANGUARD BD INDEX FD INC SHORT TRM BOND	EXCHANGE TRADED FDS-OTHER	921937827	9,817	128	SH		SOLE		128	0	0
VANGUARD BD INDEX FD INC SHORT TRM BOND	EXCHANGE TRADED FDS-OTHER	921937827	204,558	2,667	SH		DFND		1,025	0	1,642
VANGUARD TOTAL BOND MARKET ETF	EXCHANGE TRADED FDS-OTHER	921937835	69,589	966	SH		SOLE		966	0	0
VANGUARD TOTAL BOND MARKET ETF	EXCHANGE TRADED FDS-OTHER	921937835	206,247	2,863	SH		DFND		2,863	0	0
VANGUARD TAX-MANAGED FD EUROPE PAC ETF	EXCHANGE TRADED FDS-EQUITY	921943858	1,660,765	33,612	SH		SOLE		33,612	0	0
VANGUARD TAX-MANAGED FD EUROPE PAC ETF	EXCHANGE TRADED FDS-EQUITY	921943858	904,792	18,312	SH		DFND		18,028	0	284
VANGUARD WHITEHALL FDS HIGH DIVIDEND YIELD ETF	EXCHANGE TRADED FDS-EQUITY	921946406	904,322	7,625	SH		SOLE		7,625	0	0
VANGUARD WHITEHALL FDS HIGH DIVIDEND YIELD ETF	EXCHANGE TRADED FDS-EQUITY	921946406	892,463	7,525	SH		DFND		6,740	785	0
VANGUARD CHARLOTTE FDS TOTALINTL BD INDEX FD ETF	EXCHANGE TRADED FDS-OTHER	92203J407	9,342	192	SH		SOLE		192	0	0
VANGUARD CHARLOTTE FDS TOTALINTL BD INDEX FD ETF	EXCHANGE TRADED FDS-OTHER	92203J407	203,251	4,177	SH		DFND		2,486	0	1,691
VANGUARD INTL EQUITY INDEX FEMR MKT ETF	EXCHANGE TRADED FDS-EQUITY	922042858	221,680	5,067	SH		SOLE		5,067	0	0
VANGUARD INTL EQUITY INDEX FEMR MKT ETF	EXCHANGE TRADED FDS-EQUITY	922042858	365,049	8,344	SH		DFND		8,210	0	134
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS	EXCHANGE TRADED FDS-OTHER	92206C102	20,006	345	SH		SOLE		345	0	0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS	EXCHANGE TRADED FDS-OTHER	92206C102	816,788	14,085	SH		DFND		14,085	0	0
VANGUARD SCOTTSDALE FDS S/T CORP BD INDEX ETF	EXCHANGE TRADED FDS-OTHER	92206C409	116,984	1,514	SH		SOLE		1,514	0	0
VANGUARD SCOTTSDALE FDS S/T CORP BD INDEX ETF	EXCHANGE TRADED FDS-OTHER	92206C409	273,458	3,539	SH		DFND		3,539	0	0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS	EXCHANGE TRADED FDS-OTHER	92206C706	60,083	1,032	SH		SOLE		1,032	0	0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS	EXCHANGE TRADED FDS-OTHER	92206C706	1,356,758	23,304	SH		DFND		23,304	0	0
VANGUARD RUSSELL 1000 VALUE ETF	EXCHANGE TRADED FDS-EQUITY	92206C714	13,244	173	SH		SOLE		173	0	0
VANGUARD RUSSELL 1000 VALUE ETF	EXCHANGE TRADED FDS-EQUITY	92206C714	475,360	6,209	SH		DFND		6,209	0	0
VANGUARD SCOTTSDALE FDS LONG TERM TREAS	EXCHANGE TRADED FDS-OTHER	92206C847	214,050	3,711	SH		SOLE		3,711	0	0
VANGUARD SCOTTSDALE FDS LONG TERM TREAS	EXCHANGE TRADED FDS-OTHER	92206C847	428,504	7,429	SH		DFND		7,429	0	0
VANGUARD INDEX FDS S&P 500 ETF SHS	EXCHANGE TRADED FDS-EQUITY	922908363	6,117,084	12,231	SH		SOLE		12,231	0	0
VANGUARD INDEX FDS S&P 500 ETF SHS	EXCHANGE TRADED FDS-EQUITY	922908363	1,843,977	3,687	SH		DFND		2,983	654	50
VANGUARD MID CAP ETF	EXCHANGE TRADED FDS-EQUITY	922908629	1,514,818	6,257	SH		SOLE		6,257	0	0
VANGUARD MID CAP ETF	EXCHANGE TRADED FDS-EQUITY	922908629	479,598	1,981	SH		DFND		1,981	0	0
VANGUARD INDEX FDS VALUE ETF	EXCHANGE TRADED FDS-EQUITY	922908744	819,694	5,110	SH		SOLE		5,110	0	0
VANGUARD INDEX FDS VALUE ETF	EXCHANGE TRADED FDS-EQUITY	922908744	576,511	3,594	SH		DFND		3,594	0	0
VANGUARD INDEX FDS SMALL CP ETF	EXCHANGE TRADED FDS-EQUITY	922908751	966,351	4,432	SH		SOLE		4,432	0	0
VANGUARD INDEX FDS SMALL CP ETF	EXCHANGE TRADED FDS-EQUITY	922908751	639,510	2,933	SH		DFND		2,933	0	0
VANGUARD TOTAL STK MKT ETF	EXCHANGE TRADED FDS-EQUITY	922908769	222,567	832	SH		SOLE		832	0	0
VANGUARD TOTAL STK MKT ETF	EXCHANGE TRADED FDS-EQUITY	922908769	894,285	3,343	SH		DFND		3,238	105	0
VERIZON COMMUNICATIONS	COMMON STOCK	92343V104	140,839	3,416	SH		SOLE		3,416	0	0
VERIZON COMMUNICATIONS	COMMON STOCK	92343V104	475,499	11,533	SH		DFND		11,212	321	0
VERISK ANALYTICS INC CL A	COMMON STOCK	92345Y106	4,179,487	15,506	SH		SOLE		15,506	0	0
VERISK ANALYTICS INC CL A	COMMON STOCK	92345Y106	37,462	139	SH		DFND		135	4	0
VERTEX PHARMACEUTICALS INC COM	COMMON STOCK	92532F100	51,089	109	SH		SOLE		109	0	0
VERTEX PHARMACEUTICALS INC COM	COMMON STOCK	92532F100	231,071	493	SH		DFND		493	0	0
VISA INC COM CL A	COMMON STOCK	92826C839	2,041,932	7,780	SH		SOLE		7,780	0	0
VISA INC COM CL A	COMMON STOCK	92826C839	1,965,554	7,489	SH		DFND		6,805	684	0
WAL-MART	COMMON STOCK	931142103	1,941,227	28,674	SH		SOLE		28,674	0	0
WAL-MART	COMMON STOCK	931142103	1,172,695	17,322	SH		DFND		13,576	3,746	0
WASTE MANAGEMENT INC DEL	COMMON STOCK	94106L109	51,200	240	SH		SOLE		240	0	0
WASTE MANAGEMENT INC DEL	COMMON STOCK	94106L109	225,069	1,055	SH		DFND		1,055	0	0
WELLS FARGO & CO NEW COM	COMMON STOCK	949746101	776,155	13,071	SH		SOLE		13,071	0	0
WELLS FARGO & CO NEW COM	COMMON STOCK	949746101	333,889	5,623	SH		DFND		5,547	76	0
WIPRO LTD SPONS ADR	FOREIGN EQUITIES	97651M109	83,295	13,655	SH		DFND		13,655	0	0