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
Estimated average burden
hours per response:		23.8

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	244,259	1,676	SH		SOLE		1,676	0	0
ALLEGION PUB LTD CO ORD SHS	FOREIGN EQUITIES	G0176J109	6,412	44	SH		DFND		44	0	0
ACCENTURE PLC IRELAND SHS CLASS A	FOREIGN EQUITIES	G1151C101	1,166,801	3,301	SH		SOLE		3,301	0	0
ACCENTURE PLC IRELAND SHS CLASS A	FOREIGN EQUITIES	G1151C101	506,163	1,432	SH		DFND		1,430	2	0
EATON CORP CMN	FOREIGN EQUITIES	G29183103	316,853	956	SH		SOLE		956	0	0
EATON CORP CMN	FOREIGN EQUITIES	G29183103	805,726	2,431	SH		DFND		2,425	6	0
LINDE PLC COM EURO .001	FOREIGN EQUITIES	G54950103	77,723	163	SH		SOLE		163	0	0
LINDE PLC COM EURO .001	FOREIGN EQUITIES	G54950103	215,530	452	SH		DFND		373	79	0
MEDTRONIC PLC	FOREIGN EQUITIES	G5960L103	227,774	2,530	SH		SOLE		2,530	0	0
MEDTRONIC PLC	FOREIGN EQUITIES	G5960L103	62,929	699	SH		DFND		683	16	0
TRANE TECHNOLOGIES PLC	FOREIGN EQUITIES	G8994E103	1,943,600	5,000	SH		SOLE		5,000	0	0
TRANE TECHNOLOGIES PLC	FOREIGN EQUITIES	G8994E103	219,236	564	SH		DFND		562	2	0
WHITE MTNS INS GROUP LTD COM	FOREIGN EQUITIES	G9618E107	481,719	284	SH		DFND		284	0	0
CHUBB LIMITED COM	FOREIGN EQUITIES	H1467J104	186,291	646	SH		SOLE		646	0	0
CHUBB LIMITED COM	FOREIGN EQUITIES	H1467J104	474,090	1,644	SH		DFND		1,638	6	0
AERCAP HOLDINGS NV	FOREIGN EQUITIES	N00985106	9,472	100	SH		SOLE		100	0	0
AERCAP HOLDINGS NV	FOREIGN EQUITIES	N00985106	334,835	3,535	SH		DFND		3,535	0	0
ASML HOLDING NV NY REG SHS	FOREIGN EQUITIES	N07059210	525,778	631	SH		SOLE		631	0	0
ASML HOLDING NV NY REG SHS	FOREIGN EQUITIES	N07059210	210,810	253	SH		DFND		253	0	0
AFLAC INC COM	COMMON STOCK	001055102	951,529	8,511	SH		SOLE		511	0	8,000
AFLAC INC COM	COMMON STOCK	001055102	76,694	686	SH		DFND		686	0	0
AT&T INC COM	COMMON STOCK	00206R102	94,006	4,273	SH		SOLE		4,273	0	0
AT&T INC COM	COMMON STOCK	00206R102	381,986	17,363	SH		DFND		15,863	1,500	0
ABBOTT LABS COM	COMMON STOCK	002824100	257,659	2,260	SH		SOLE		2,260	0	0
ABBOTT LABS COM	COMMON STOCK	002824100	395,722	3,471	SH		DFND		3,214	257	0
ABBVIE INC COM	COMMON STOCK	00287Y109	1,094,034	5,540	SH		SOLE		4,040	0	1,500
ABBVIE INC COM	COMMON STOCK	00287Y109	1,589,509	8,049	SH		DFND		7,702	347	0
ADOBE INC COM	COMMON STOCK	00724F101	1,401,599	2,707	SH		SOLE		2,707	0	0
ADOBE INC COM	COMMON STOCK	00724F101	628,568	1,214	SH		DFND		1,206	8	0
ADVANCED MICRO DEVICES INC COM	COMMON STOCK	007903107	240,704	1,467	SH		SOLE		1,467	0	0
ADVANCED MICRO DEVICES INC COM	COMMON STOCK	007903107	389,195	2,372	SH		DFND		2,372	0	0
AIR PRODS & CHEMS INC COM	COMMON STOCK	009158106	119,091	400	SH		SOLE		400	0	0
AIR PRODS & CHEMS INC COM	COMMON STOCK	009158106	420,092	1,411	SH		DFND		1,402	9	0
ALPHABET INC.	COMMON STOCK	02079K107	2,010,288	12,024	SH		SOLE		9,524	0	2,500
ALPHABET INC.	COMMON STOCK	02079K107	3,505,297	20,966	SH		DFND		20,966	0	0
ALPHABET INC CAP STK CL A	COMMON STOCK	02079K305	1,206,555	7,275	SH		SOLE		4,775	0	2,500
ALPHABET INC CAP STK CL A	COMMON STOCK	02079K305	3,107,690	18,738	SH		DFND		17,765	973	0
ALTRIA GROUP INC	COMMON STOCK	02209S103	169,299	3,317	SH		SOLE		3,317	0	0
ALTRIA GROUP INC	COMMON STOCK	02209S103	369,988	7,249	SH		DFND		5,474	1,775	0
AMAZON COM INC COM	COMMON STOCK	023135106	1,555,473	8,348	SH		SOLE		5,548	0	2,800
AMAZON COM INC COM	COMMON STOCK	023135106	4,531,159	24,318	SH		DFND		22,560	1,758	0
AMBEV SA SPONSORED ADR	FOREIGN EQUITIES	02319V103	1,561	640	SH		SOLE		640	0	0
AMBEV SA SPONSORED ADR	FOREIGN EQUITIES	02319V103	45,890	18,808	SH		DFND		18,297	511	0
TR AVANTIS	EXCHANGE TRADED FDS-EQUITY	025072877	95,950	1,000	SH		SOLE		1,000	0	0
TR AVANTIS	EXCHANGE TRADED FDS-EQUITY	025072877	127,997	1,334	SH		DFND		1,334	0	0
AMERICAN ELECTRIC POWER	COMMON STOCK	025537101	133,687	1,303	SH		SOLE		1,303	0	0
AMERICAN ELECTRIC POWER	COMMON STOCK	025537101	304,823	2,971	SH		DFND		2,971	0	0
AMERICAN EXPRESS	COMMON STOCK	025816109	161,086	594	SH		SOLE		594	0	0
AMERICAN EXPRESS	COMMON STOCK	025816109	625,360	2,306	SH		DFND		2,295	11	0
AMERICAN TOWER CORP NEW COM	COMMON STOCK	03027X100	62,092	267	SH		SOLE		267	0	0
AMERICAN TOWER CORP NEW COM	COMMON STOCK	03027X100	243,020	1,045	SH		DFND		1,045	0	0
AMGEN INC COM	COMMON STOCK	031162100	389,215	1,208	SH		SOLE		1,208	0	0
AMGEN INC COM	COMMON STOCK	031162100	970,140	3,011	SH		DFND		1,365	1,646	0
ANALOG DEVICES INC	COMMON STOCK	032654105	29,922	130	SH		SOLE		130	0	0
ANALOG DEVICES INC	COMMON STOCK	032654105	188,735	820	SH		DFND		808	12	0
ELEVANCE HEALTH INC COM	COMMON STOCK	036752103	236,080	454	SH		DFND		454	0	0
APPLE COMPUTER INC. CMN.	COMMON STOCK	037833100	15,157,116	65,052	SH		SOLE		25,852	0	39,200
APPLE COMPUTER INC. CMN.	COMMON STOCK	037833100	10,896,478	46,766	SH		DFND		44,187	2,579	0
ARISTA NETWORKS INC COM	COMMON STOCK	040413106	204,192	532	SH		SOLE		532	0	0
ARISTA NETWORKS INC COM	COMMON STOCK	040413106	316,267	824	SH		DFND		824	0	0
ASTRAZENECA PLC SPONSORED ADR	FOREIGN EQUITIES	046353108	83,430	1,071	SH		SOLE		1,071	0	0
ASTRAZENECA PLC SPONSORED ADR	FOREIGN EQUITIES	046353108	370,722	4,759	SH		DFND		4,759	0	0
AUTODESK INC COM	COMMON STOCK	052769106	14,048	51	SH		SOLE		51	0	0
AUTODESK INC COM	COMMON STOCK	052769106	195,306	709	SH		DFND		695	14	0
AUTOMATIC DATA PROCESSING INC - TAXABLE	COMMON STOCK	053015103	11,297,922	40,828	SH		SOLE		4,458	0	36,370
AUTOMATIC DATA PROCESSING INC - TAXABLE	COMMON STOCK	053015103	684,878	2,475	SH		DFND		1,175	1,300	0
AVERY DENNISON CORP COM	COMMON STOCK	053611109	148,792	674	SH		SOLE		674	0	0
AVERY DENNISON CORP COM	COMMON STOCK	053611109	279,702	1,267	SH		DFND		1,267	0	0
BP AMOCO PLC ADS (UK)	FOREIGN EQUITIES	055622104	85,447	2,723	SH		SOLE		2,723	0	0
BP AMOCO PLC ADS (UK)	FOREIGN EQUITIES	055622104	187,620	5,979	SH		DFND		5,624	355	0
BANK OF AMERICA CORP COM	COMMON STOCK	060505104	61,424	1,548	SH		SOLE		1,548	0	0
BANK OF AMERICA CORP COM	COMMON STOCK	060505104	339,222	8,549	SH		DFND		8,254	295	0
BANK NEW YORK MELLON CORP COM	COMMON STOCK	064058100	43,977	612	SH		SOLE		612	0	0
BANK NEW YORK MELLON CORP COM	COMMON STOCK	064058100	183,960	2,560	SH		DFND		2,297	263	0
BERKSHIRE HATHAWAY INC DEL	COMMON STOCK	084670108	10,367,700	15	SH		SOLE		0	0	15
BERKSHIRE HATHAWAY INC DEL CL B NEW	COMMON STOCK	084670702	1,143,742	2,485	SH		SOLE		2,485	0	0
BERKSHIRE HATHAWAY INC DEL CL B NEW	COMMON STOCK	084670702	3,635,126	7,898	SH		DFND		7,698	200	0
BHP BILLITON LTD SPONSORED ADR	FOREIGN EQUITIES	088606108	416,944	6,713	SH		SOLE		6,713	0	0
BHP BILLITON LTD SPONSORED ADR	FOREIGN EQUITIES	088606108	34,221	551	SH		DFND		521	30	0
BLACKROCK INC COM	COMMON STOCK	09247X101	1,019,768	1,074	SH		SOLE		823	0	251
BLACKROCK INC COM	COMMON STOCK	09247X101	787,135	829	SH		DFND		802	27	0
BLACKSTONE GROUP INC COM CL A	COMMON STOCK	09260D107	229,695	1,500	SH		SOLE		1,500	0	0
BLACKSTONE GROUP INC COM CL A	COMMON STOCK	09260D107	133,220	870	SH		DFND		859	11	0
BOEING CO COM	COMMON STOCK	097023105	546,279	3,593	SH		SOLE		2,593	0	1,000
BOEING CO COM	COMMON STOCK	097023105	162,223	1,067	SH		DFND		1,067	0	0
BOSTON SCIENTIFIC CORP COM	COMMON STOCK	101137107	107,682	1,285	SH		SOLE		1,285	0	0
BOSTON SCIENTIFIC CORP COM	COMMON STOCK	101137107	197,179	2,353	SH		DFND		2,353	0	0
BRISTOL MYERS SQUIBB	COMMON STOCK	110122108	257,561	4,978	SH		SOLE		4,978	0	0
BRISTOL MYERS SQUIBB	COMMON STOCK	110122108	606,439	11,721	SH		DFND		9,068	2,653	0
BROADCOM INC	COMMON STOCK	11135F101	2,548,342	14,773	SH		SOLE		14,773	0	0
BROADCOM INC	COMMON STOCK	11135F101	1,887,494	10,942	SH		DFND		10,895	47	0
BROOKFIELD ASSET MGMT INC	FOREIGN EQUITIES	11271J107	31,890	600	SH		SOLE		600	0	0
BROOKFIELD ASSET MGMT INC	FOREIGN EQUITIES	11271J107	235,081	4,423	SH		DFND		4,423	0	0
CIGNA CORP NEW	COMMON STOCK	125523100	471,503	1,361	SH		SOLE		1,361	0	0
CIGNA CORP NEW	COMMON STOCK	125523100	718,513	2,074	SH		DFND		2,070	4	0
CMS ENERGY CORP	COMMON STOCK	125896100	23,590	334	SH		SOLE		334	0	0
CMS ENERGY CORP	COMMON STOCK	125896100	226,364	3,205	SH		DFND		3,188	17	0
CVS CORP.	COMMON STOCK	126650100	876,357	13,937	SH		SOLE		5,937	0	8,000
CVS CORP.	COMMON STOCK	126650100	276,289	4,394	SH		DFND		2,532	1,862	0
CANADIAN PAC RY LTD COM	FOREIGN EQUITIES	13646K108	258,758	3,025	SH		DFND		2,650	375	0
CARRIER GLOBAL CORPORATION COM	COMMON STOCK	14448C104	323,407	4,018	SH		SOLE		2,018	0	2,000
CARRIER GLOBAL CORPORATION COM	COMMON STOCK	14448C104	208,466	2,590	SH		DFND		990	1,600	0
CATERPILLAR INC COM	COMMON STOCK	149123101	873,346	2,233	SH		SOLE		2,233	0	0
CATERPILLAR INC COM	COMMON STOCK	149123101	1,568,739	4,011	SH		DFND		3,311	700	0
CHENIERE ENERGY INC COM NEW	COMMON STOCK	16411R208	105,026	584	SH		SOLE		584	0	0
CHENIERE ENERGY INC COM NEW	COMMON STOCK	16411R208	651,378	3,622	SH		DFND		3,616	6	0
CHEVRON COM	COMMON STOCK	166764100	18,717,274	127,095	SH		SOLE		27,095	0	100,000
CHEVRON COM	COMMON STOCK	166764100	1,094,796	7,434	SH		DFND		7,213	221	0
CISCO	COMMON STOCK	17275R102	1,263,598	23,743	SH		SOLE		18,743	0	5,000
CISCO	COMMON STOCK	17275R102	655,503	12,317	SH		DFND		12,047	270	0
CITIGROUP INC COM NEW	COMMON STOCK	172967424	114,181	1,824	SH		SOLE		1,824	0	0
CITIGROUP INC COM NEW	COMMON STOCK	172967424	181,975	2,907	SH		DFND		2,907	0	0
CLEAR SECURE INC COM CL A	COMMON STOCK	18467V109	347,897	10,501	SH		DFND		10,501	0	0
CLOROX CO DEL COM	COMMON STOCK	189054109	325,820	2,000	SH		SOLE		0	0	2,000
CLOROX CO DEL COM	COMMON STOCK	189054109	16,291	100	SH		DFND		100	0	0
COCA COLA CO COM	COMMON STOCK	191216100	716,082	9,965	SH		SOLE		9,965	0	0
COCA COLA CO COM	COMMON STOCK	191216100	619,067	8,615	SH		DFND		8,290	325	0
COLGATE PALMOLIVE CO	COMMON STOCK	194162103	496,935	4,787	SH		SOLE		787	0	4,000
COLGATE PALMOLIVE CO	COMMON STOCK	194162103	1,228,173	11,831	SH		DFND		11,831	0	0
COMCAST CORP NEW CL A	COMMON STOCK	20030N101	61,316	1,468	SH		SOLE		1,468	0	0
COMCAST CORP NEW CL A	COMMON STOCK	20030N101	796,673	19,073	SH		DFND		18,903	170	0
CONOCOPHILLIPS COM	COMMON STOCK	20825C104	541,137	5,140	SH		SOLE		812	0	4,328
CONOCOPHILLIPS COM	COMMON STOCK	20825C104	364,157	3,459	SH		DFND		3,225	234	0
CONSTELLATION ENERGY CORP	COMMON STOCK	21037T109	286,011	1,100	SH		SOLE		1,100	0	0
CONSTELLATION ENERGY CORP	COMMON STOCK	21037T109	199,686	768	SH		DFND		768	0	0
CORNING INC COM	COMMON STOCK	219350105	191,434	4,240	SH		SOLE		4,240	0	0
CORNING INC COM	COMMON STOCK	219350105	193,508	4,286	SH		DFND		4,254	32	0
CORTEVA INC COM	COMMON STOCK	22052L104	13,698	233	SH		SOLE		233	0	0
CORTEVA INC COM	COMMON STOCK	22052L104	202,883	3,451	SH		DFND		3,451	0	0
COSTCO WHSL CORP NEW COM	COMMON STOCK	22160K105	339,533	383	SH		SOLE		383	0	0
COSTCO WHSL CORP NEW COM	COMMON STOCK	22160K105	1,310,272	1,478	SH		DFND		1,476	2	0
CROWN CASTLE INC COM	COMMON STOCK	22822V101	45,672	385	SH		SOLE		385	0	0
CROWN CASTLE INC COM	COMMON STOCK	22822V101	204,871	1,727	SH		DFND		1,727	0	0
CUMMINS INC COM	COMMON STOCK	231021106	561,758	1,735	SH		SOLE		1,735	0	0
CUMMINS INC COM	COMMON STOCK	231021106	502,505	1,552	SH		DFND		1,552	0	0
DNP SELECT INCOME FUND	EXCHANGE TRADED FDS-OTHER	23325P104	64,758	6,450	SH		SOLE		6,450	0	0
DNP SELECT INCOME FUND	EXCHANGE TRADED FDS-OTHER	23325P104	37,650	3,750	SH		DFND		3,750	0	0
DANAHER CORPORATION	COMMON STOCK	235851102	797,051	2,867	SH		SOLE		2,867	0	0
DANAHER CORPORATION	COMMON STOCK	235851102	553,514	1,991	SH		DFND		1,984	7	0
DEERE & CO COM	COMMON STOCK	244199105	2,013,569	4,825	SH		SOLE		1,825	0	3,000
DEERE & CO COM	COMMON STOCK	244199105	269,584	646	SH		DFND		640	6	0
DIAGEO P L C SPON ADR NEW	FOREIGN EQUITIES	25243Q205	303,133	2,160	SH		SOLE		160	0	2,000
DIAGEO P L C SPON ADR NEW	FOREIGN EQUITIES	25243Q205	33,120	236	SH		DFND		136	100	0
DISNEY WALT CO COM	COMMON STOCK	254687106	845,503	8,790	SH		SOLE		8,790	0	0
DISNEY WALT CO COM	COMMON STOCK	254687106	314,248	3,267	SH		DFND		3,217	50	0
DOMINION ENERGY INC COM	COMMON STOCK	25746U109	89,458	1,548	SH		SOLE		1,548	0	0
DOMINION ENERGY INC COM	COMMON STOCK	25746U109	182,441	3,157	SH		DFND		2,531	626	0
DOVER CORP	COMMON STOCK	260003108	460,176	2,400	SH		SOLE		2,400	0	0
DOVER CORP	COMMON STOCK	260003108	304,289	1,587	SH		DFND		1,575	12	0
DOW INC COM	COMMON STOCK	260557103	167,657	3,069	SH		SOLE		3,069	0	0
DOW INC COM	COMMON STOCK	260557103	141,817	2,596	SH		DFND		2,596	0	0
DUKE ENERGY CORP NEW COM NEW	COMMON STOCK	26441C204	485,410	4,210	SH		SOLE		3,544	0	666
DUKE ENERGY CORP NEW COM NEW	COMMON STOCK	26441C204	361,348	3,134	SH		DFND		2,899	235	0
DUPONT DE NEMOURS INC (NEW)	COMMON STOCK	26614N102	577,789	6,484	SH		SOLE		6,484	0	0
DUPONT DE NEMOURS INC (NEW)	COMMON STOCK	26614N102	193,635	2,173	SH		DFND		1,973	200	0
ECOLAB INC COM	COMMON STOCK	278865100	676,620	2,650	SH		SOLE		2,150	0	500
ECOLAB INC COM	COMMON STOCK	278865100	153,196	600	SH		DFND		600	0	0
EMERSON ELECTRIC	COMMON STOCK	291011104	612,360	5,599	SH		SOLE		5,599	0	0
EMERSON ELECTRIC	COMMON STOCK	291011104	532,740	4,871	SH		DFND		4,671	200	0
EQUINIX INC COM	COMMON STOCK	29444U700	214,803	242	SH		DFND		242	0	0
EXELON CORP COM	COMMON STOCK	30161N101	256,941	6,338	SH		SOLE		6,338	0	0
EXELON CORP COM	COMMON STOCK	30161N101	55,944	1,380	SH		DFND		1,380	0	0
EXXON MOBIL CORPORATION	COMMON STOCK	30231G102	18,233,914	155,553	SH		SOLE		47,053	0	108,500
EXXON MOBIL CORPORATION	COMMON STOCK	30231G102	2,800,494	23,891	SH		DFND		21,859	2,032	0
FACEBOOK INC CL A	COMMON STOCK	30303M102	394,981	690	SH		SOLE		690	0	0
FACEBOOK INC CL A	COMMON STOCK	30303M102	2,572,538	4,494	SH		DFND		4,439	55	0
FEDEX CORP	COMMON STOCK	31428X106	64,858	237	SH		SOLE		237	0	0
FEDEX CORP	COMMON STOCK	31428X106	335,790	1,227	SH		DFND		1,227	0	0
FERGUSON PLC NEW	FOREIGN EQUITIES	31488V107	216,440	1,090	SH		DFND		1,090	0	0
FIDELITY NATL INFORMATION SVCOM	COMMON STOCK	31620M106	226,040	2,699	SH		DFND		2,699	0	0
FIDELITY NATIONAL FINANCIAL FNF GROUP COM	COMMON STOCK	31620R303	111,770	1,801	SH		SOLE		1,801	0	0
FIDELITY NATIONAL FINANCIAL FNF GROUP COM	COMMON STOCK	31620R303	276,785	4,460	SH		DFND		4,460	0	0
FLEXSHARES TR ESG & CLM US LRG	EXCHANGE TRADED FDS-EQUITY	33939L613	613,985	9,500	SH		SOLE		9,500	0	0
FLEXSHARES TR HIG YLD VL ETF	EXCHANGE TRADED FDS-EQUITY	33939L662	145,810	3,500	SH		SOLE		3,500	0	0
FLEXSHARES TR HIG YLD VL ETF	EXCHANGE TRADED FDS-EQUITY	33939L662	61,531	1,477	SH		DFND		1,477	0	0
FLEXSHARES TRUST INTERNATIONAL QUALITY DIV	EXCHANGE TRADED FDS-EQUITY	33939L837	326,416	12,416	SH		DFND		12,416	0	0
FLUOR CORP. (NEW)	COMMON STOCK	343412102	238,500	5,000	SH		SOLE		5,000	0	0
FLUOR CORP. (NEW)	COMMON STOCK	343412102	36,633	768	SH		DFND		768	0	0
FREEPORT-MCMORAN COPPER & GOLD COM	COMMON STOCK	35671D857	432,769	8,671	SH		SOLE		8,671	0	0
FREEPORT-MCMORAN COPPER & GOLD COM	COMMON STOCK	35671D857	273,405	5,478	SH		DFND		5,478	0	0
GALLAGHER ARTHUR J & CO COM	COMMON STOCK	363576109	62,460	222	SH		SOLE		222	0	0
GALLAGHER ARTHUR J & CO COM	COMMON STOCK	363576109	167,406	595	SH		DFND		588	7	0
GENERAL DYNAMICS CORPORATION	COMMON STOCK	369550108	1,018,984	3,372	SH		SOLE		1,372	0	2,000
GENERAL DYNAMICS CORPORATION	COMMON STOCK	369550108	650,006	2,151	SH		DFND		2,141	10	0
GENERAL ELECTRIC CO COM NEW	COMMON STOCK	369604301	39,412	209	SH		SOLE		209	0	0
GENERAL ELECTRIC CO COM NEW	COMMON STOCK	369604301	571,583	3,031	SH		DFND		3,031	0	0
GILEAD SCIENCES INC	COMMON STOCK	375558103	285,387	3,404	SH		SOLE		3,404	0	0
GILEAD SCIENCES INC	COMMON STOCK	375558103	107,313	1,280	SH		DFND		1,280	0	0
GOLDMAN SACHS	COMMON STOCK	38141G104	376,270	760	SH		SOLE		760	0	0
GOLDMAN SACHS	COMMON STOCK	38141G104	609,464	1,231	SH		DFND		1,231	0	0
GRAINGER W.W. INC	COMMON STOCK	384802104	933,880	899	SH		SOLE		899	0	0
GRAINGER W.W. INC	COMMON STOCK	384802104	97,646	94	SH		DFND		94	0	0
HCA HLDGS INC COM	COMMON STOCK	40412C101	386,099	950	SH		DFND		950	0	0
HALEON PLC SPNSD ADR	FOREIGN EQUITIES	405552100	9,531	901	SH		SOLE		901	0	0
HALEON PLC SPNSD ADR	FOREIGN EQUITIES	405552100	149,366	14,118	SH		DFND		13,817	301	0
HOME DEPOT COM	COMMON STOCK	437076102	3,710,817	9,158	SH		SOLE		8,008	0	1,150
HOME DEPOT COM	COMMON STOCK	437076102	3,050,746	7,529	SH		DFND		6,267	1,262	0
HONEYWELL INTL INC COM	COMMON STOCK	438516106	703,432	3,403	SH		SOLE		3,403	0	0
HONEYWELL INTL INC COM	COMMON STOCK	438516106	549,428	2,658	SH		DFND		2,652	6	0
ILLINOIS TOOL WKS INC COM	COMMON STOCK	452308109	825,780	3,151	SH		SOLE		3,151	0	0
ILLINOIS TOOL WKS INC COM	COMMON STOCK	452308109	248,178	947	SH		DFND		947	0	0
INGERSOLL RAND INC COM	COMMON STOCK	45687V106	433,081	4,412	SH		SOLE		4,412	0	0
INGERSOLL RAND INC COM	COMMON STOCK	45687V106	117,789	1,200	SH		DFND		1,192	8	0
INTEL COM	COMMON STOCK	458140100	137,064	5,845	SH		SOLE		5,845	0	0
INTEL COM	COMMON STOCK	458140100	259,024	11,046	SH		DFND		9,446	1,600	0
INTERCONTINENTALEXCHANGE INCCOM	COMMON STOCK	45866F104	230,194	1,433	SH		DFND		1,433	0	0
INTL BUSINESS MACHINES COM	COMMON STOCK	459200101	1,049,905	4,749	SH		SOLE		2,749	0	2,000
INTL BUSINESS MACHINES COM	COMMON STOCK	459200101	725,581	3,282	SH		DFND		3,164	118	0
INVESCO QQQ TR UNIT SER 1	EXCHANGE TRADED FDS-EQUITY	46090E103	1,470,056	3,012	SH		SOLE		3,012	0	0
INVESCO QQQ TR UNIT SER 1	EXCHANGE TRADED FDS-EQUITY	46090E103	1,820,006	3,729	SH		DFND		3,729	0	0
INTUITIVE SURGICAL INC COM NEW	COMMON STOCK	46120E602	56,985	116	SH		SOLE		116	0	0
INTUITIVE SURGICAL INC COM NEW	COMMON STOCK	46120E602	206,818	421	SH		DFND		421	0	0
INTUIT COM	COMMON STOCK	461202103	79,488	128	SH		SOLE		128	0	0
INTUIT COM	COMMON STOCK	461202103	308,016	496	SH		DFND		496	0	0
INVESCO ETF S&P 500 EQUAL WEIGHT	EXCHANGE TRADED FDS-EQUITY	46137V357	369,605	2,063	SH		SOLE		2,063	0	0
INVESCO ETF S&P 500 EQUAL WEIGHT	EXCHANGE TRADED FDS-EQUITY	46137V357	277,697	1,550	SH		DFND		1,550	0	0
INVESCO EXCH TRADED FD TR IIS&P500 LOW VOL	EXCHANGE TRADED FDS-OTHER	46138E354	15,563	217	SH		SOLE		217	0	0
INVESCO EXCH TRADED FD TR IIS&P500 LOW VOL	EXCHANGE TRADED FDS-OTHER	46138E354	249,728	3,482	SH		DFND		1,677	1,805	0
IRON MTN INC NEW COM	COMMON STOCK	46284V101	386,909	3,256	SH		SOLE		3,256	0	0
IRON MTN INC NEW COM	COMMON STOCK	46284V101	309,312	2,603	SH		DFND		2,603	0	0
ISHARES GOLD TRUST	EXCHANGE TRADED FDS-EQUITY	464285204	233,590	4,700	SH		SOLE		4,700	0	0
ISHARES GOLD TRUST	EXCHANGE TRADED FDS-EQUITY	464285204	178,920	3,600	SH		DFND		3,600	0	0
I SHARES TR S&P 100 ETF	EXCHANGE TRADED FDS-EQUITY	464287101	240,781	870	SH		DFND		870	0	0
ISHARES TR CORE S&P TTL STK	EXCHANGE TRADED FDS-EQUITY	464287150	1,758,427	13,998	SH		DFND		13,998	0	0
ISHARES TR INDEX DJ SEL DIV INX	EXCHANGE TRADED FDS-EQUITY	464287168	110,216	816	SH		SOLE		816	0	0
ISHARES TR INDEX DJ SEL DIV INX	EXCHANGE TRADED FDS-EQUITY	464287168	306,608	2,270	SH		DFND		2,270	0	0
ISHARES TR S&P 500 INDEX	EXCHANGE TRADED FDS-EQUITY	464287200	4,434,591	7,688	SH		SOLE		6,728	0	960
ISHARES TR S&P 500 INDEX	EXCHANGE TRADED FDS-EQUITY	464287200	1,429,358	2,478	SH		DFND		2,463	15	0
ISHARES TR S&P 500 GRWT ETF	EXCHANGE TRADED FDS-EQUITY	464287309	867,016	9,055	SH		SOLE		9,055	0	0
ISHARES TR S&P 500 GRWT ETF	EXCHANGE TRADED FDS-EQUITY	464287309	857,537	8,956	SH		DFND		8,956	0	0
ISHARES TR S&P 500 VAL ETF	EXCHANGE TRADED FDS-EQUITY	464287408	679,447	3,446	SH		SOLE		3,446	0	0
ISHARES TR S&P 500 VAL ETF	EXCHANGE TRADED FDS-EQUITY	464287408	186,719	947	SH		DFND		947	0	0
ISHARES TR INDEX MSCI EAFE IDX	EXCHANGE TRADED FDS-EQUITY	464287465	388,959	4,651	SH		SOLE		4,651	0	0
ISHARES TR INDEX MSCI EAFE IDX	EXCHANGE TRADED FDS-EQUITY	464287465	515,158	6,160	SH		DFND		6,160	0	0
ISHARES TR RUSSELL MIDCAP VALUE INDEX FUND	EXCHANGE TRADED FDS-EQUITY	464287473	37,955	287	SH		SOLE		287	0	0
ISHARES TR RUSSELL MIDCAP VALUE INDEX FUND	EXCHANGE TRADED FDS-EQUITY	464287473	221,253	1,673	SH		DFND		1,673	0	0
ISHARES TR INDEX RUSSELL MCP GR	EXCHANGE TRADED FDS-EQUITY	464287481	22,402	191	SH		SOLE		191	0	0
ISHARES TR INDEX RUSSELL MCP GR	EXCHANGE TRADED FDS-EQUITY	464287481	575,658	4,908	SH		DFND		4,908	0	0
ISHARES TR RUSSELL MIDCAP INDEX FD	EXCHANGE TRADED FDS-EQUITY	464287499	277,992	3,154	SH		SOLE		3,154	0	0
ISHARES TR RUSSELL MIDCAP INDEX FD	EXCHANGE TRADED FDS-EQUITY	464287499	466,699	5,295	SH		DFND		5,295	0	0
ISHARES TR S&P MIDCAP 400	EXCHANGE TRADED FDS-EQUITY	464287507	696,374	11,176	SH		SOLE		11,176	0	0
ISHARES TR S&P MIDCAP 400	EXCHANGE TRADED FDS-EQUITY	464287507	377,721	6,062	SH		DFND		6,062	0	0
ISHARES TR EXPANDED TECH	EXCHANGE TRADED FDS-EQUITY	464287515	225,657	2,525	SH		SOLE		2,525	0	0
ISHARES TR PHLX SEMICND ETF	EXCHANGE TRADED FDS-EQUITY	464287523	247,653	1,074	SH		DFND		1,074	0	0
ISHARES TR RUSSELL1000VAL	EXCHANGE TRADED FDS-EQUITY	464287598	216,181	1,139	SH		SOLE		1,139	0	0
ISHARES TR RUSSELL1000VAL	EXCHANGE TRADED FDS-EQUITY	464287598	284,130	1,497	SH		DFND		1,497	0	0
ISHARES TR INDEX RUSSELL1000GRW	EXCHANGE TRADED FDS-EQUITY	464287614	394,899	1,052	SH		SOLE		1,052	0	0
ISHARES TR INDEX RUSSELL1000GRW	EXCHANGE TRADED FDS-EQUITY	464287614	1,014,648	2,703	SH		DFND		2,703	0	0
ISHARES TR RUSSELL 2000	EXCHANGE TRADED FDS-EQUITY	464287655	1,321,802	5,984	SH		SOLE		2,309	0	3,675
ISHARES TR RUSSELL 2000	EXCHANGE TRADED FDS-EQUITY	464287655	812,430	3,678	SH		DFND		3,678	0	0
ISHARES CORE S&P VALUE	EXCHANGE TRADED FDS-EQUITY	464287663	584,780	6,124	SH		DFND		6,124	0	0
ISHARES TR DJ US TECH SEC	EXCHANGE TRADED FDS-EQUITY	464287721	406,341	2,680	SH		DFND		0	2,680	0
ISHARES TR S&P SMALL CAP 600 INDEX	EXCHANGE TRADED FDS-EQUITY	464287804	857,663	7,333	SH		SOLE		7,333	0	0
ISHARES TR S&P SMALL CAP 600 INDEX	EXCHANGE TRADED FDS-EQUITY	464287804	758,014	6,481	SH		DFND		6,481	0	0
ISHARES TR MSCI ACWI INDX	EXCHANGE TRADED FDS-EQUITY	464288257	315,013	2,635	SH		DFND		2,635	0	0
ISHARES TR NATIONAL MUN ETF	ETF - TAX EXEMPT	464288414	714,241	6,575	SH		SOLE		6,575	0	0
ISHARES TR USD INV GRDE ETF	EXCHANGE TRADED FDS-OTHER	464288620	185,816	3,534	SH		SOLE		3,534	0	0
ISHARES TR USD INV GRDE ETF	EXCHANGE TRADED FDS-OTHER	464288620	38,383	730	SH		DFND		730	0	0
ISHARES TR DJ PHARMA INDX	EXCHANGE TRADED FDS-EQUITY	464288836	233,013	3,300	SH		SOLE		3,300	0	0
ISHARES TR MSCI VAL IDX	EXCHANGE TRADED FDS-EQUITY	464288877	457,166	7,948	SH		SOLE		7,948	0	0
ISHARES TR MSCI VAL IDX	EXCHANGE TRADED FDS-EQUITY	464288877	25,884	450	SH		DFND		450	0	0
ISHARES TR MSCI GRW IDX	EXCHANGE TRADED FDS-EQUITY	464288885	224,551	2,086	SH		SOLE		2,086	0	0
ISHARES TR MSCI GRW IDX	EXCHANGE TRADED FDS-EQUITY	464288885	76,429	710	SH		DFND		710	0	0
I SHARES US TREASURY BOND ETF	EXCHANGE TRADED FDS-OTHER	46429B267	149,235	6,364	SH		SOLE		6,364	0	0
I SHARES US TREASURY BOND ETF	EXCHANGE TRADED FDS-OTHER	46429B267	180,095	7,680	SH		DFND		4,338	3,342	0
ISHARES TR CORE HIGH DV ETF	EXCHANGE TRADED FDS-EQUITY	46429B663	58,810	500	SH		SOLE		500	0	0
ISHARES TR CORE HIGH DV ETF	EXCHANGE TRADED FDS-EQUITY	46429B663	226,652	1,927	SH		DFND		1,927	0	0
ISHARES TR USA MIN VOL ETF	EXCHANGE TRADED FDS-EQUITY	46429B697	280,958	3,077	SH		SOLE		3,077	0	0
ISHARES TR USA QUALITY FCTR	EXCHANGE TRADED FDS-EQUITY	46432F339	266,618	1,487	SH		SOLE		1,487	0	0
ISHARES TR CORE MSCI EAFE	EXCHANGE TRADED FDS-EQUITY	46432F842	248,477	3,184	SH		SOLE		3,184	0	0
ISHARES TR CORE MSCI EAFE	EXCHANGE TRADED FDS-EQUITY	46432F842	521,772	6,686	SH		DFND		6,686	0	0
ISHARES INC CORE MSCI EMKT	EXCHANGE TRADED FDS-EQUITY	46434G103	734,544	12,797	SH		SOLE		6,152	0	6,645
ISHARES INC CORE MSCI EMKT	EXCHANGE TRADED FDS-EQUITY	46434G103	213,757	3,724	SH		DFND		3,724	0	0
ISHARES DIVIDEND GROWTH ETF	EXCHANGE TRADED FDS-EQUITY	46434V621	1,105,108	17,631	SH		DFND		17,631	0	0
JP MORGAN CHASE & CO COM	COMMON STOCK	46625H100	2,606,222	12,360	SH		SOLE		10,390	0	1,970
JP MORGAN CHASE & CO COM	COMMON STOCK	46625H100	3,484,236	16,524	SH		DFND		14,849	1,675	0
J P MORGAN EXCHANGE-TRADED FULTRA SHT MUNCPL	MUTUAL FUNDS-TAX EXEMPT	46641Q654	96,919	1,903	SH		SOLE		1,903	0	0
J P MORGAN EXCHANGE-TRADED FULTRA SHT MUNCPL	MUTUAL FUNDS-TAX EXEMPT	46641Q654	224,905	4,416	SH		DFND		2,976	1,440	0
JP MORGAN ETF ULTRA SHORT INCOME	EXCHANGE TRADED FDS-OTHER	46641Q837	222,392	4,383	SH		SOLE		4,383	0	0
JP MORGAN ETF ULTRA SHORT INCOME	EXCHANGE TRADED FDS-OTHER	46641Q837	1,226,029	24,163	SH		DFND		24,163	0	0
J P MORGAN EXCHANGE TRADED FHEDGED EQUITY LA	EXCHANGE TRADED FDS-EQUITY	46654Q724	213,342	3,490	SH		SOLE		3,490	0	0
J P MORGAN EXCHANGE TRADED FHEDGED EQUITY LA	EXCHANGE TRADED FDS-EQUITY	46654Q724	44,624	730	SH		DFND		730	0	0
JOHNSON & JOHNSON COM	COMMON STOCK	478160104	8,488,365	52,378	SH		SOLE		23,436	0	28,942
JOHNSON & JOHNSON COM	COMMON STOCK	478160104	3,088,201	19,056	SH		DFND		17,360	1,696	0
KKR & CO INC COM	COMMON STOCK	48251W104	169,754	1,300	SH		SOLE		1,300	0	0
KKR & CO INC COM	COMMON STOCK	48251W104	272,258	2,085	SH		DFND		2,078	7	0
KENVUE INC COM	COMMON STOCK	49177J102	357,550	15,465	SH		SOLE		15,465	0	0
KENVUE INC COM	COMMON STOCK	49177J102	29,568	1,279	SH		DFND		1,279	0	0
KIMBERLY - CLARK CORP	COMMON STOCK	494368103	1,533,351	10,777	SH		SOLE		1,277	0	9,500
KIMBERLY - CLARK CORP	COMMON STOCK	494368103	99,594	700	SH		DFND		350	350	0
L3HARRIS TECHNOLOGIES INC COM	COMMON STOCK	502431109	1,147,481	4,824	SH		SOLE		1,999	0	2,825
L3HARRIS TECHNOLOGIES INC COM	COMMON STOCK	502431109	263,320	1,107	SH		DFND		1,107	0	0
LABORATORY CORP AMER HLDGS COM NEW	COMMON STOCK	504922105	277,559	1,242	SH		DFND		1,242	0	0
LAM RESEARCH CORP COM	COMMON STOCK	512807108	244,006	299	SH		DFND		299	0	0
LENNAR CORP	COMMON STOCK	526057104	339,712	1,812	SH		DFND		1,812	0	0
LILLY ELI & COMPANY	COMMON STOCK	532457108	6,368,132	7,188	SH		SOLE		3,188	0	4,000
LILLY ELI & COMPANY	COMMON STOCK	532457108	3,667,784	4,140	SH		DFND		4,134	6	0
LOCKHEED MARTIN CORP COM	COMMON STOCK	539830109	901,372	1,542	SH		SOLE		772	0	770
LOCKHEED MARTIN CORP COM	COMMON STOCK	539830109	1,048,675	1,794	SH		DFND		1,594	200	0
LOWES COMPANIES	COMMON STOCK	548661107	88,563	327	SH		SOLE		327	0	0
LOWES COMPANIES	COMMON STOCK	548661107	392,172	1,448	SH		DFND		1,339	109	0
MARSH & MCLENNAN COS INC COM	COMMON STOCK	571748102	43,055	193	SH		SOLE		193	0	0
MARSH & MCLENNAN COS INC COM	COMMON STOCK	571748102	277,520	1,244	SH		DFND		1,228	16	0
MARRIOTT INTL INC NEW CL A	COMMON STOCK	571903202	4,226	17	SH		SOLE		17	0	0
MARRIOTT INTL INC NEW CL A	COMMON STOCK	571903202	342,819	1,379	SH		DFND		1,379	0	0
MASTERCARD INCORPORATED CL A	COMMON STOCK	57636Q104	541,683	1,097	SH		SOLE		1,097	0	0
MASTERCARD INCORPORATED CL A	COMMON STOCK	57636Q104	1,542,596	3,124	SH		DFND		3,115	9	0
MCDONALDS CORP COM	COMMON STOCK	580135101	544,156	1,787	SH		SOLE		1,787	0	0
MCDONALDS CORP COM	COMMON STOCK	580135101	1,672,967	5,494	SH		DFND		4,830	664	0
MERCK & CO INC	COMMON STOCK	58933Y105	2,055,661	18,102	SH		SOLE		18,102	0	0
MERCK & CO INC	COMMON STOCK	58933Y105	1,764,032	15,534	SH		DFND		12,076	3,458	0
METLIFE INC COM	COMMON STOCK	59156R108	84,201	1,021	SH		SOLE		1,021	0	0
METLIFE INC COM	COMMON STOCK	59156R108	317,835	3,854	SH		DFND		3,083	771	0
MICROSOFT COM	COMMON STOCK	594918104	3,090,326	7,182	SH		SOLE		5,772	0	1,410
MICROSOFT COM	COMMON STOCK	594918104	9,180,220	21,335	SH		DFND		19,416	1,919	0
MONDELEZ INTL INC CL A	COMMON STOCK	609207105	696,181	9,450	SH		SOLE		2,450	0	7,000
MONDELEZ INTL INC CL A	COMMON STOCK	609207105	275,374	3,738	SH		DFND		3,720	18	0
MOODYS CORP COM	COMMON STOCK	615369105	1,941,030	4,090	SH		SOLE		90	0	4,000
MOODYS CORP COM	COMMON STOCK	615369105	13,761	29	SH		DFND		27	2	0
MORGAN STANLEY DEAN WITTER	COMMON STOCK	617446448	17,928	172	SH		SOLE		172	0	0
MORGAN STANLEY DEAN WITTER	COMMON STOCK	617446448	308,337	2,958	SH		DFND		2,929	29	0
NETFLIX INC COM	COMMON STOCK	64110L106	103,550	146	SH		SOLE		146	0	0
NETFLIX INC COM	COMMON STOCK	64110L106	1,148,304	1,619	SH		DFND		1,619	0	0
NEXTERA ENERGY INC	COMMON STOCK	65339F101	460,516	5,448	SH		SOLE		5,448	0	0
NEXTERA ENERGY INC	COMMON STOCK	65339F101	686,375	8,120	SH		DFND		7,555	565	0
NIKE INC CL B	COMMON STOCK	654106103	297,553	3,366	SH		SOLE		1,366	0	2,000
NIKE INC CL B	COMMON STOCK	654106103	317,265	3,589	SH		DFND		3,566	23	0
NORFOLK SOUTHERN CORP COM	COMMON STOCK	655844108	1,539,457	6,195	SH		SOLE		6,195	0	0
NORFOLK SOUTHERN CORP COM	COMMON STOCK	655844108	53,427	215	SH		DFND		98	117	0
NORTHROP GRUMMAN CORP COM	COMMON STOCK	666807102	189,048	358	SH		SOLE		358	0	0
NORTHROP GRUMMAN CORP COM	COMMON STOCK	666807102	220,731	418	SH		DFND		382	36	0
NOVARTIS A G SPONSORED ADR	FOREIGN EQUITIES	66987V109	216,812	1,885	SH		SOLE		1,885	0	0
NOVARTIS A G SPONSORED ADR	FOREIGN EQUITIES	66987V109	227,509	1,978	SH		DFND		1,978	0	0
NOVO-NORDISK A S ADR	FOREIGN EQUITIES	670100205	853,255	7,166	SH		SOLE		166	0	7,000
NOVO-NORDISK A S ADR	FOREIGN EQUITIES	670100205	208,966	1,755	SH		DFND		1,455	300	0
NVIDIA CORP	COMMON STOCK	67066G104	399,654	3,291	SH		SOLE		3,291	0	0
NVIDIA CORP	COMMON STOCK	67066G104	5,384,885	44,342	SH		DFND		44,273	69	0
OGE ENERGY CORP COM	COMMON STOCK	670837103	216,585	5,280	SH		DFND		5,280	0	0
ORACLE CORPORATION	COMMON STOCK	68389X105	568,965	3,339	SH		SOLE		3,339	0	0
ORACLE CORPORATION	COMMON STOCK	68389X105	790,311	4,638	SH		DFND		4,609	29	0
OTIS WORLDWIDE CORP COM	COMMON STOCK	68902V107	238,956	2,299	SH		SOLE		1,299	0	1,000
OTIS WORLDWIDE CORP COM	COMMON STOCK	68902V107	121,504	1,169	SH		DFND		345	824	0
PNC FINL SVCS GROUP INC COM	COMMON STOCK	693475105	106,842	578	SH		SOLE		578	0	0
PNC FINL SVCS GROUP INC COM	COMMON STOCK	693475105	482,453	2,610	SH		DFND		1,747	863	0
PPG INDS INC COM	COMMON STOCK	693506107	5,165	39	SH		SOLE		39	0	0
PPG INDS INC COM	COMMON STOCK	693506107	292,600	2,209	SH		DFND		2,196	13	0
PACER FDS TR US CASH COWS 100	EXCHANGE TRADED FDS-EQUITY	69374H881	176,032	3,044	SH		SOLE		3,044	0	0
PACER FDS TR US CASH COWS 100	EXCHANGE TRADED FDS-EQUITY	69374H881	91,718	1,586	SH		DFND		0	1,586	0
PACKAGING CORP AMER COM	COMMON STOCK	695156109	323,100	1,500	SH		SOLE		0	0	1,500
PACKAGING CORP AMER COM	COMMON STOCK	695156109	13,570	63	SH		DFND		63	0	0
PALO ALTO NETWORKS INC COM	COMMON STOCK	697435105	933,084	2,730	SH		SOLE		2,730	0	0
PALO ALTO NETWORKS INC COM	COMMON STOCK	697435105	593,342	1,736	SH		DFND		1,735	1	0
PARKER HANNIFIN CORP COM	COMMON STOCK	701094104	34,749	55	SH		SOLE		55	0	0
PARKER HANNIFIN CORP COM	COMMON STOCK	701094104	243,248	385	SH		DFND		382	3	0
PAYCHEX INC COM	COMMON STOCK	704326107	376,268	2,804	SH		SOLE		2,804	0	0
PAYCHEX INC COM	COMMON STOCK	704326107	115,400	860	SH		DFND		860	0	0
PEPSICO INC	COMMON STOCK	713448108	1,922,748	11,307	SH		SOLE		8,307	0	3,000
PEPSICO INC	COMMON STOCK	713448108	1,749,633	10,289	SH		DFND		9,513	776	0
PFIZER INC COM	COMMON STOCK	717081103	919,042	31,768	SH		SOLE		30,268	0	1,500
PFIZER INC COM	COMMON STOCK	717081103	501,409	17,332	SH		DFND		13,514	3,818	0
PHILIP MORRIS INTL INC COM	COMMON STOCK	718172109	88,014	725	SH		SOLE		725	0	0
PHILIP MORRIS INTL INC COM	COMMON STOCK	718172109	353,757	2,914	SH		DFND		2,742	172	0
PHILLIPS 66 COM	COMMON STOCK	718546104	339,271	2,581	SH		SOLE		417	0	2,164
PHILLIPS 66 COM	COMMON STOCK	718546104	387,903	2,951	SH		DFND		2,651	300	0
T. ROWE PRICE GROUP INC	COMMON STOCK	74144T108	293,673	2,696	SH		SOLE		2,696	0	0
T. ROWE PRICE GROUP INC	COMMON STOCK	74144T108	32,678	300	SH		DFND		300	0	0
PROCTER & GAMBLE CO.	COMMON STOCK	742718109	3,069,964	17,725	SH		SOLE		16,725	0	1,000
PROCTER & GAMBLE CO.	COMMON STOCK	742718109	2,816,569	16,262	SH		DFND		14,283	1,979	0
PROLOGIS INC COM	COMMON STOCK	74340W103	249,400	1,975	SH		DFND		1,965	10	0
PROSHARES TR S&P MDCP 400 DIV	EXCHANGE TRADED FDS-EQUITY	74347B680	16,683	204	SH		SOLE		204	0	0
PROSHARES TR S&P MDCP 400 DIV	EXCHANGE TRADED FDS-EQUITY	74347B680	328,754	4,020	SH		DFND		4,020	0	0
PROSHARES TR S&P 500 DV ARIST	EXCHANGE TRADED FDS-EQUITY	74348A467	256,224	2,400	SH		SOLE		2,400	0	0
PROSHARES TR S&P 500 DV ARIST	EXCHANGE TRADED FDS-EQUITY	74348A467	263,270	2,466	SH		DFND		1,000	1,466	0
QUALCOMM INC COM	COMMON STOCK	747525103	263,405	1,549	SH		SOLE		1,549	0	0
QUALCOMM INC COM	COMMON STOCK	747525103	543,306	3,195	SH		DFND		2,495	700	0
RTX CORPORATION COM	COMMON STOCK	75513E101	2,023,488	16,701	SH		SOLE		8,505	0	8,196
RTX CORPORATION COM	COMMON STOCK	75513E101	1,046,454	8,637	SH		DFND		6,347	2,290	0
REALTY INCOME CORP COM	COMMON STOCK	756109104	168,313	2,654	SH		SOLE		2,654	0	0
REALTY INCOME CORP COM	COMMON STOCK	756109104	327,496	5,164	SH		DFND		5,164	0	0
SHELL PLC SPONSORED ADR REPRESENTING B SHRS	FOREIGN EQUITIES	780259305	183,933	2,789	SH		SOLE		2,789	0	0
SHELL PLC SPONSORED ADR REPRESENTING B SHRS	FOREIGN EQUITIES	780259305	206,686	3,134	SH		DFND		3,102	32	0
RUSH ENTERPRISES INC CL A	COMMON STOCK	781846209	213,961	4,050	SH		DFND		4,050	0	0
SPDR TR UNIT SER 1	EXCHANGE TRADED FDS-EQUITY	78462F103	1,166,450	2,033	SH		SOLE		2,033	0	0
SPDR TR UNIT SER 1	EXCHANGE TRADED FDS-EQUITY	78462F103	1,867,013	3,254	SH		DFND		1,855	1,399	0
SPDR GOLD TRUST GOLD SHS	EXCHANGE TRADED FDS-OTHER	78463V107	128,820	530	SH		SOLE		530	0	0
SPDR GOLD TRUST GOLD SHS	EXCHANGE TRADED FDS-OTHER	78463V107	253,024	1,041	SH		DFND		886	155	0
SPDR INDEX SHS FDS GLB NAT RESRCE	EXCHANGE TRADED FDS-EQUITY	78463X541	266,607	4,623	SH		DFND		4,623	0	0
SPDR SER TR PRTFLO S&P500 VL	EXCHANGE TRADED FDS-EQUITY	78464A508	238,556	4,513	SH		SOLE		4,513	0	0
SPDR SERIES TRUST S&P DIVID ETF	EXCHANGE TRADED FDS-EQUITY	78464A763	92,326	650	SH		SOLE		650	0	0
SPDR SERIES TRUST S&P DIVID ETF	EXCHANGE TRADED FDS-EQUITY	78464A763	184,367	1,298	SH		DFND		1,298	0	0
SPDR SERIES TRUST S&P BIOTECH	EXCHANGE TRADED FDS-EQUITY	78464A870	155,708	1,576	SH		SOLE		1,576	0	0
SPDR SERIES TRUST S&P BIOTECH	EXCHANGE TRADED FDS-EQUITY	78464A870	80,225	812	SH		DFND		812	0	0
SPDR S & P MIDCAP ETF	EXCHANGE TRADED FDS-EQUITY	78467Y107	150,386	264	SH		SOLE		264	0	0
SPDR S & P MIDCAP ETF	EXCHANGE TRADED FDS-EQUITY	78467Y107	113,930	200	SH		DFND		200	0	0
SPDR SER TR PORTFOLIO SM ETF	EXCHANGE TRADED FDS-EQUITY	78468R853	210,161	4,619	SH		SOLE		4,619	0	0
SPDR SER TR PORTFOLIO SM ETF	EXCHANGE TRADED FDS-EQUITY	78468R853	85,175	1,872	SH		DFND		1,872	0	0
SALESFORCE COM INC COM	COMMON STOCK	79466L302	570,388	2,084	SH		SOLE		2,084	0	0
SALESFORCE COM INC COM	COMMON STOCK	79466L302	675,213	2,467	SH		DFND		2,467	0	0
SCHLUMBERGER LTD	FOREIGN EQUITIES	806857108	44,047	1,050	SH		SOLE		1,050	0	0
SCHLUMBERGER LTD	FOREIGN EQUITIES	806857108	197,288	4,703	SH		DFND		4,703	0	0
SCHWAB CHARLES CORP NEW COM	COMMON STOCK	808513105	1,069,170	16,497	SH		SOLE		16,497	0	0
SCHWAB CHARLES CORP NEW COM	COMMON STOCK	808513105	355,608	5,487	SH		DFND		5,367	120	0
SCHWAB STRATEGIC TR US BRD MKT ETF	EXCHANGE TRADED FDS-OTHER	808524102	18,956	285	SH		SOLE		285	0	0
SCHWAB STRATEGIC TR US BRD MKT ETF	EXCHANGE TRADED FDS-OTHER	808524102	329,806	4,958	SH		DFND		0	0	4,958
SCHWAB STRATEGIC TR US LRG CAP ETF	EXCHANGE TRADED FDS-EQUITY	808524201	329,749	4,860	SH		SOLE		4,860	0	0
SCHWAB STRATEGIC TR US LRG CAP ETF	EXCHANGE TRADED FDS-EQUITY	808524201	101,775	1,500	SH		DFND		1,500	0	0
SCHWAB STRATEGIC TR US DIVIDEND EQ	EXCHANGE TRADED FDS-EQUITY	808524797	408,110	4,828	SH		SOLE		4,828	0	0
SCHWAB STRATEGIC TR US DIVIDEND EQ	EXCHANGE TRADED FDS-EQUITY	808524797	29,500	349	SH		DFND		349	0	0
SCHWAB STRATEGIC INTL EQUITYETF	EXCHANGE TRADED FDS-OTHER	808524805	328,139	7,982	SH		DFND		3,490	0	4,492
TECHNOLOGY SELECT SECTOR	EXCHANGE TRADED FDS-EQUITY	81369Y803	6,772	30	SH		SOLE		30	0	0
TECHNOLOGY SELECT SECTOR	EXCHANGE TRADED FDS-EQUITY	81369Y803	202,505	897	SH		DFND		897	0	0
SERVICENOW INC COM	COMMON STOCK	81762P102	98,380	110	SH		SOLE		110	0	0
SERVICENOW INC COM	COMMON STOCK	81762P102	423,042	473	SH		DFND		469	4	0
SHERWIN WILLIAMS CO COM	COMMON STOCK	824348106	106,099	278	SH		SOLE		278	0	0
SHERWIN WILLIAMS CO COM	COMMON STOCK	824348106	229,756	602	SH		DFND		602	0	0
SONOCO PRODS CO COM	COMMON STOCK	835495102	14,039	257	SH		SOLE		257	0	0
SONOCO PRODS CO COM	COMMON STOCK	835495102	903,086	16,531	SH		DFND		16,531	0	0
SOUTHERN COMPANY	COMMON STOCK	842587107	379,114	4,204	SH		SOLE		4,204	0	0
SOUTHERN COMPANY	COMMON STOCK	842587107	576,608	6,394	SH		DFND		5,524	870	0
STARBUCKS CORP COM	COMMON STOCK	855244109	192,441	1,974	SH		SOLE		1,974	0	0
STARBUCKS CORP COM	COMMON STOCK	855244109	514,347	5,276	SH		DFND		5,176	100	0
STATE STREET CORP	COMMON STOCK	857477103	327,339	3,700	SH		SOLE		3,700	0	0
STRYKER CORP	COMMON STOCK	863667101	1,743,801	4,827	SH		SOLE		1,827	0	3,000
STRYKER CORP	COMMON STOCK	863667101	356,921	988	SH		DFND		443	545	0
SYSCO CORP COM	COMMON STOCK	871829107	25,368	325	SH		SOLE		325	0	0
SYSCO CORP COM	COMMON STOCK	871829107	268,054	3,434	SH		DFND		2,404	1,030	0
TJX COS INC NEW COM	COMMON STOCK	872540109	241,189	2,052	SH		SOLE		2,052	0	0
TJX COS INC NEW COM	COMMON STOCK	872540109	256,352	2,181	SH		DFND		2,134	47	0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADR	FOREIGN EQUITIES	874039100	57,310	330	SH		SOLE		330	0	0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADR	FOREIGN EQUITIES	874039100	580,403	3,342	SH		DFND		3,320	22	0
TARGET CORPORATION	COMMON STOCK	87612E106	4,879,351	31,306	SH		SOLE		1,306	0	30,000
TARGET CORPORATION	COMMON STOCK	87612E106	196,224	1,259	SH		DFND		1,259	0	0
TESLA MTRS INC COM	COMMON STOCK	88160R101	31,133	119	SH		SOLE		119	0	0
TESLA MTRS INC COM	COMMON STOCK	88160R101	787,241	3,009	SH		DFND		3,009	0	0
TEVA PHARMACEUTICAL INDUS. LTD ADR	FOREIGN EQUITIES	881624209	266,154	14,770	SH		DFND		14,770	0	0
TEXAS INSTRUMENTS	COMMON STOCK	882508104	215,240	1,042	SH		SOLE		1,042	0	0
TEXAS INSTRUMENTS	COMMON STOCK	882508104	300,556	1,455	SH		DFND		1,444	11	0
THERMO FISHER SCIENTIFIC INC	COMMON STOCK	883556102	640,833	1,036	SH		SOLE		1,036	0	0
THERMO FISHER SCIENTIFIC INC	COMMON STOCK	883556102	412,582	667	SH		DFND		667	0	0
3M COMPANY COM	COMMON STOCK	88579Y101	279,412	2,044	SH		SOLE		2,044	0	0
3M COMPANY COM	COMMON STOCK	88579Y101	596,695	4,365	SH		DFND		3,435	930	0
ST PAUL TRAVELERS COS	COMMON STOCK	89417E109	271,110	1,158	SH		SOLE		123	0	1,035
ST PAUL TRAVELERS COS	COMMON STOCK	89417E109	312,313	1,334	SH		DFND		1,330	4	0
US BANCORP DEL COM NEW	COMMON STOCK	902973304	264,490	5,785	SH		SOLE		1,285	0	4,500
US BANCORP DEL COM NEW	COMMON STOCK	902973304	290,273	6,349	SH		DFND		6,338	11	0
UBER TECHNOLOGIES INC COM	COMMON STOCK	90353T100	143,535	1,910	SH		SOLE		1,910	0	0
UBER TECHNOLOGIES INC COM	COMMON STOCK	90353T100	325,095	4,326	SH		DFND		4,326	0	0
UNILEVER PLC SPON ADR NEW	FOREIGN EQUITIES	904767704	11,496	177	SH		SOLE		177	0	0
UNILEVER PLC SPON ADR NEW	FOREIGN EQUITIES	904767704	274,281	4,223	SH		DFND		2,573	1,650	0
UNION PAC CORP COM	COMMON STOCK	907818108	1,222,539	4,960	SH		SOLE		1,960	0	3,000
UNION PAC CORP COM	COMMON STOCK	907818108	541,511	2,197	SH		DFND		2,177	20	0
UNITED PARCEL SERVICE CL B COM	COMMON STOCK	911312106	531,315	3,897	SH		SOLE		3,897	0	0
UNITED PARCEL SERVICE CL B COM	COMMON STOCK	911312106	334,845	2,456	SH		DFND		1,469	987	0
UNITED RENTALS INC COM	COMMON STOCK	911363109	255,060	315	SH		DFND		315	0	0
UNITEDHEALTH GROUP INC	COMMON STOCK	91324P102	363,076	621	SH		SOLE		621	0	0
UNITEDHEALTH GROUP INC	COMMON STOCK	91324P102	1,144,190	1,957	SH		DFND		1,867	90	0
VALERO ENERGY CORP NEW COM	COMMON STOCK	91913Y100	445,733	3,301	SH		DFND		3,001	300	0
VANECK ETF TRUST MRNGSTR WDE MOAT	EXCHANGE TRADED FDS-OTHER	92189F643	291,528	3,007	SH		SOLE		3,007	0	0
VANGUARD SPECIALIZED PORT DIVD APPREC INDX ETF	EXCHANGE TRADED FDS-EQUITY	921908844	856,211	4,323	SH		SOLE		4,323	0	0
VANGUARD SPECIALIZED PORT DIVD APPREC INDX ETF	EXCHANGE TRADED FDS-EQUITY	921908844	549,417	2,774	SH		DFND		2,774	0	0
VANGUARD STAR FD VG TL INTL STK F	EXCHANGE TRADED FDS-EQUITY	921909768	47,906	740	SH		SOLE		740	0	0
VANGUARD STAR FD VG TL INTL STK F	EXCHANGE TRADED FDS-EQUITY	921909768	171,494	2,649	SH		DFND		2,649	0	0
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F	EXCHANGE TRADED FDS-EQUITY	921932505	1,068,983	3,096	SH		SOLE		3,096	0	0
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F	EXCHANGE TRADED FDS-EQUITY	921932505	478,902	1,387	SH		DFND		1,387	0	0
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX	EXCHANGE TRADED FDS-EQUITY	921932828	421,361	3,895	SH		SOLE		3,895	0	0
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX	EXCHANGE TRADED FDS-EQUITY	921932885	649,201	6,146	SH		SOLE		6,146	0	0
VANGUARD WELLINGTON FD SHORT TRM TAX EX	ETF - TAX EXEMPT	921935870	252,535	2,490	SH		DFND		2,490	0	0
VANGUARD BD INDEX FD INC INTERMED TERM	EXCHANGE TRADED FDS-EQUITY	921937819	64,262	820	SH		SOLE		820	0	0
VANGUARD BD INDEX FD INC INTERMED TERM	EXCHANGE TRADED FDS-EQUITY	921937819	180,327	2,301	SH		DFND		1,583	0	718
VANGUARD BD INDEX FD INC SHORT TRM BOND	EXCHANGE TRADED FDS-OTHER	921937827	9,757	124	SH		SOLE		124	0	0
VANGUARD BD INDEX FD INC SHORT TRM BOND	EXCHANGE TRADED FDS-OTHER	921937827	200,265	2,545	SH		DFND		1,057	0	1,488
VANGUARD TOTAL BOND MARKET ETF	EXCHANGE TRADED FDS-OTHER	921937835	72,555	966	SH		SOLE		966	0	0
VANGUARD TOTAL BOND MARKET ETF	EXCHANGE TRADED FDS-OTHER	921937835	213,308	2,840	SH		DFND		2,840	0	0
VANGUARD TAX-MANAGED FD EUROPE PAC ETF	EXCHANGE TRADED FDS-EQUITY	921943858	1,812,593	34,323	SH		SOLE		34,323	0	0
VANGUARD TAX-MANAGED FD EUROPE PAC ETF	EXCHANGE TRADED FDS-EQUITY	921943858	952,053	18,028	SH		DFND		18,028	0	0
VANGUARD WHITEHALL FDS HIGH DIVIDEND YIELD ETF	EXCHANGE TRADED FDS-EQUITY	921946406	1,121,361	8,747	SH		SOLE		8,747	0	0
VANGUARD WHITEHALL FDS HIGH DIVIDEND YIELD ETF	EXCHANGE TRADED FDS-EQUITY	921946406	900,987	7,028	SH		DFND		6,243	785	0
VANGUARD CHARLOTTE FDS TOTALINTL BD INDEX FD ETF	EXCHANGE TRADED FDS-OTHER	92203J407	9,249	184	SH		SOLE		184	0	0
VANGUARD CHARLOTTE FDS TOTALINTL BD INDEX FD ETF	EXCHANGE TRADED FDS-OTHER	92203J407	253,560	5,044	SH		DFND		2,536	0	2,508
VANGUARD INTL EQUITY INDEX FEMR MKT ETF	EXCHANGE TRADED FDS-EQUITY	922042858	242,404	5,067	SH		SOLE		5,067	0	0
VANGUARD INTL EQUITY INDEX FEMR MKT ETF	EXCHANGE TRADED FDS-EQUITY	922042858	504,806	10,552	SH		DFND		9,208	0	1,344
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS	EXCHANGE TRADED FDS-OTHER	92206C102	34,172	579	SH		SOLE		579	0	0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS	EXCHANGE TRADED FDS-OTHER	92206C102	881,285	14,932	SH		DFND		14,932	0	0
VANGUARD SCOTTSDALE FDS S/T CORP BD INDEX ETF	EXCHANGE TRADED FDS-OTHER	92206C409	119,366	1,503	SH		SOLE		1,503	0	0
VANGUARD SCOTTSDALE FDS S/T CORP BD INDEX ETF	EXCHANGE TRADED FDS-OTHER	92206C409	281,067	3,539	SH		DFND		3,539	0	0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS	EXCHANGE TRADED FDS-OTHER	92206C706	47,792	791	SH		SOLE		791	0	0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS	EXCHANGE TRADED FDS-OTHER	92206C706	1,503,068	24,877	SH		DFND		24,877	0	0
VANGUARD RUSSELL 1000 VALUE ETF	EXCHANGE TRADED FDS-EQUITY	92206C714	17,249	207	SH		SOLE		207	0	0
VANGUARD RUSSELL 1000 VALUE ETF	EXCHANGE TRADED FDS-EQUITY	92206C714	489,730	5,877	SH		DFND		5,877	0	0
VANGUARD SCOTTSDALE FDS LONG TERM TREAS	EXCHANGE TRADED FDS-OTHER	92206C847	228,374	3,711	SH		SOLE		3,711	0	0
VANGUARD SCOTTSDALE FDS LONG TERM TREAS	EXCHANGE TRADED FDS-OTHER	92206C847	459,703	7,470	SH		DFND		7,470	0	0
VANGUARD INDEX FDS S&P 500 ETF SHS	EXCHANGE TRADED FDS-EQUITY	922908363	2,873,632	5,446	SH		SOLE		5,446	0	0
VANGUARD INDEX FDS S&P 500 ETF SHS	EXCHANGE TRADED FDS-EQUITY	922908363	1,919,095	3,637	SH		DFND		2,983	654	0
VANGUARD INDEX FDS MCAP VL IDXVIP	EXCHANGE TRADED FDS-EQUITY	922908512	136,315	813	SH		SOLE		813	0	0
VANGUARD INDEX FDS MCAP VL IDXVIP	EXCHANGE TRADED FDS-EQUITY	922908512	315,212	1,880	SH		DFND		1,880	0	0
VANGUARD MID CAP ETF	EXCHANGE TRADED FDS-EQUITY	922908629	1,643,331	6,229	SH		SOLE		4,959	0	1,270
VANGUARD MID CAP ETF	EXCHANGE TRADED FDS-EQUITY	922908629	522,627	1,981	SH		DFND		1,981	0	0
VANGUARD INDEX FDS VALUE ETF	EXCHANGE TRADED FDS-EQUITY	922908744	234,621	1,344	SH		SOLE		1,344	0	0
VANGUARD INDEX FDS VALUE ETF	EXCHANGE TRADED FDS-EQUITY	922908744	653,763	3,745	SH		DFND		3,745	0	0
VANGUARD INDEX FDS SMALL CP ETF	EXCHANGE TRADED FDS-EQUITY	922908751	1,053,921	4,443	SH		SOLE		4,443	0	0
VANGUARD INDEX FDS SMALL CP ETF	EXCHANGE TRADED FDS-EQUITY	922908751	689,330	2,906	SH		DFND		2,906	0	0
VANGUARD TOTAL STK MKT ETF	EXCHANGE TRADED FDS-EQUITY	922908769	292,209	1,032	SH		SOLE		1,032	0	0
VANGUARD TOTAL STK MKT ETF	EXCHANGE TRADED FDS-EQUITY	922908769	946,569	3,343	SH		DFND		3,238	105	0
VERIZON COMMUNICATIONS	COMMON STOCK	92343V104	152,703	3,401	SH		SOLE		3,401	0	0
VERIZON COMMUNICATIONS	COMMON STOCK	92343V104	585,537	13,041	SH		DFND		12,720	321	0
VERISK ANALYTICS INC CL A	COMMON STOCK	92345Y106	4,153,225	15,500	SH		SOLE		15,500	0	0
VERISK ANALYTICS INC CL A	COMMON STOCK	92345Y106	35,903	134	SH		DFND		134	0	0
VERTEX PHARMACEUTICALS INC COM	COMMON STOCK	92532F100	53,017	114	SH		SOLE		114	0	0
VERTEX PHARMACEUTICALS INC COM	COMMON STOCK	92532F100	261,837	563	SH		DFND		563	0	0
VISA INC COM CL A	COMMON STOCK	92826C839	2,138,477	7,778	SH		SOLE		2,798	0	4,980
VISA INC COM CL A	COMMON STOCK	92826C839	2,103,553	7,651	SH		DFND		6,967	684	0
WAL-MART	COMMON STOCK	931142103	2,321,559	28,750	SH		SOLE		28,750	0	0
WAL-MART	COMMON STOCK	931142103	1,349,567	16,713	SH		DFND		12,976	3,737	0
WASTE MANAGEMENT INC DEL	COMMON STOCK	94106L109	49,822	240	SH		SOLE		240	0	0
WASTE MANAGEMENT INC DEL	COMMON STOCK	94106L109	219,016	1,055	SH		DFND		1,055	0	0
WELLS FARGO & CO NEW COM	COMMON STOCK	949746101	738,380	13,071	SH		SOLE		5,071	0	8,000
WELLS FARGO & CO NEW COM	COMMON STOCK	949746101	316,507	5,603	SH		DFND		5,527	76	0
WIPRO LTD SPONS ADR	FOREIGN EQUITIES	97651M109	88,484	13,655	SH		DFND		13,655	0	0
WISDOMTREE TRUST MIDCAP DIVI FD	EXCHANGE TRADED FDS-EQUITY	97717W505	214,746	4,200	SH		SOLE		4,200	0	0
WISDOMTREE TRUST SMLCAP EARN FD	EXCHANGE TRADED FDS-EQUITY	97717W562	221,550	4,200	SH		SOLE		4,200	0	0