Union 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
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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
AON PLC NPV	COMMON STOCK	G0403H108	24,780	69	SH		SOLE		69	0	0
ACCENTURE PLC	FOREIGN EQUITIES	G1151C101	1,086,980	3,090	SH		SOLE		2,974	0	116
ACCENTURE PLC	FOREIGN EQUITIES	G1151C101	334,191	950	SH		DFND		950	0	0
EATON CORP PLC	FOREIGN EQUITIES	G29183103	122,123	368	SH		SOLE		368	0	0
JOHNSON CTLS INTL PLC	FOREIGN EQUITIES	G51502105	11,444	145	SH		SOLE		145	0	0
LINDE PLC NPV	COMMON STOCK	G54950103	574,384	1,372	SH		SOLE		1,306	0	66
LINDE PLC NPV	COMMON STOCK	G54950103	41,866	100	SH		DFND		100	0	0
MEDTRONIC PLC	FOREIGN EQUITIES	G5960L103	14,777	185	SH		SOLE		185	0	0
ALCON INC CHF	FOREIGN EQUITIES	H01301128	3,395	40	SH		DFND		40	0	0
CHUBB LTD CHF	COMMON STOCK	H1467J104	130,129	471	SH		SOLE		471	0	0
UBS GROUP AG	COMMON STOCK	H42097107	12,427	410	SH		SOLE		410	0	0
NXP SEMICONDUCTORS NV	FOREIGN EQUITIES	N6596X109	134,062	645	SH		SOLE		645	0	0
AFLAC INCORPORATED	COMMON STOCK	001055102	165,399	1,599	SH		SOLE		1,599	0	0
AFLAC INCORPORATED	COMMON STOCK	001055102	31,032	300	SH		DFND		300	0	0
AT&T INC	COMMON STOCK	00206R102	334,441	14,688	SH		SOLE		14,688	0	0
AT&T INC	COMMON STOCK	00206R102	22,770	1,000	SH		DFND		1,000	0	0
ABBOTT LABS COM	COMMON STOCK	002824100	857,023	7,577	SH		SOLE		7,577	0	0
ABBOTT LABS COM	COMMON STOCK	002824100	151,566	1,340	SH		DFND		1,340	0	0
ABBVIE INC	COMMON STOCK	00287Y109	676,851	3,809	SH		SOLE		3,809	0	0
ABBVIE INC	COMMON STOCK	00287Y109	219,459	1,235	SH		DFND		935	0	300
ADOBE SYSTEMS INC	COMMON STOCK	00724F101	412,649	928	SH		SOLE		928	0	0
ADVANCED MICRO DEVICES	COMMON STOCK	007903107	12,079	100	SH		DFND		100	0	0
AIR PRODUCTS AND CHEMICALS INC.	COMMON STOCK	009158106	133,990	462	SH		SOLE		462	0	0
ALPHABET INC	COMMON STOCK	02079K107	407,537	2,140	SH		SOLE		2,140	0	0
ALPHABET INC	COMMON STOCK	02079K107	45,705	240	SH		DFND		240	0	0
ALPHABET INC	COMMON STOCK	02079K305	2,899,113	15,315	SH		SOLE		15,062	0	253
ALPHABET INC	COMMON STOCK	02079K305	45,432	240	SH		DFND		240	0	0
ALTRIA GROUP INC	COMMON STOCK	02209S103	153,572	2,937	SH		SOLE		2,937	0	0
ALTRIA GROUP INC	COMMON STOCK	02209S103	36,603	700	SH		DFND		300	0	400
AMAZON.COM INC	COMMON STOCK	023135106	2,123,021	9,677	SH		SOLE		9,677	0	0
AMAZON.COM INC	COMMON STOCK	023135106	109,695	500	SH		DFND		500	0	0
AMEREN CORP	COMMON STOCK	023608102	17,828	200	SH		SOLE		200	0	0
AMERICA MOVIL S.A.B. DE C.V.	FOREIGN EQUITIES	02390A101	10,017	700	SH		SOLE		700	0	0
AMENTUM HOLDINGS INC	COMMON STOCK	023939101	2,627	125	SH		SOLE		125	0	0
AMERICAN ELEC PWR INC COM	COMMON STOCK	025537101	21,212	230	SH		SOLE		230	0	0
AMERICAN EXPRESS CO COM	COMMON STOCK	025816109	817,322	2,754	SH		SOLE		2,754	0	0
AMERICAN TOWER REIT	COMMON STOCK	03027X100	663,009	3,615	SH		SOLE		3,474	0	141
AMERICAN WTR WKS CO INC NEW COM	COMMON STOCK	030420103	457,604	3,676	SH		SOLE		3,449	0	227
AMERIPRISE FINANCIAL INC	COMMON STOCK	03076C106	3,726	7	SH		SOLE		7	0	0
AMGEN INC.	COMMON STOCK	031162100	342,724	1,315	SH		SOLE		1,315	0	0
ANALOG DEVICES INC	COMMON STOCK	032654105	53,539	252	SH		SOLE		252	0	0
APPLE INCORPORATED	COMMON STOCK	037833100	5,282,066	21,093	SH		SOLE		20,866	0	227
APPLE INCORPORATED	COMMON STOCK	037833100	300,504	1,200	SH		DFND		1,200	0	0
APPLIED MATERIALS COM	COMMON STOCK	038222105	350,790	2,157	SH		SOLE		2,157	0	0
AUTODESK INC COM	COMMON STOCK	052769106	40,788	138	SH		SOLE		138	0	0
AUTOMATIC DATA PROCESSING COM	COMMON STOCK	053015103	1,469,150	5,019	SH		SOLE		5,019	0	0
AUTOMATIC DATA PROCESSING COM	COMMON STOCK	053015103	295,645	1,010	SH		DFND		880	0	130
BAKER HUGHES INC. CL A COMMON	COMMON STOCK	05722G100	3,198	78	SH		SOLE		78	0	0
BANK OF AMERICA CORP NEW	COMMON STOCK	060505104	511,397	11,636	SH		SOLE		11,636	0	0
BECTON DICKINSON & CO.	COMMON STOCK	075887109	89,386	394	SH		SOLE		394	0	0
BERKSHIRE HATHAWAY INC COM	COMMON STOCK	084670108	21,789,440	32	SH		SOLE		32	0	0
BERKSHIRE HATHAWAY INC. DEL CL B	COMMON STOCK	084670702	563,411	1,243	SH		SOLE		1,243	0	0
BLACKSTONE GROUP INC	COMMON STOCK	09260D107	1,301,749	7,550	SH		SOLE		7,362	0	188
BLACKSTONE GROUP INC	COMMON STOCK	09260D107	5,345	31	SH		DFND		31	0	0
BLACKROCK INTERNATIONAL DIVIDEND ETF	ETF - DEVELOPED INTL	09290C848	361,022	14,640	SH		SOLE		14,640	0	0
BLACKROCK INC NEW NPV	COMMON STOCK	09290D101	492,043	480	SH		SOLE		480	0	0
BOOKING HOLDINGS INC	COMMON STOCK	09857L108	4,968	1	SH		SOLE		1	0	0
BRISTOL MYERS SQUIBB CO COM	COMMON STOCK	110122108	498,686	8,817	SH		SOLE		8,817	0	0
BRISTOL MYERS SQUIBB CO COM	COMMON STOCK	110122108	72,395	1,280	SH		DFND		860	0	420
BROADRIDGE FINL SOLUTIONS	COMMON STOCK	11133T103	140,175	620	SH		SOLE		620	0	0
BROADCOM INC	COMMON STOCK	11135F101	1,398,905	6,034	SH		SOLE		5,731	0	303
BROADCOM INC	COMMON STOCK	11135F101	5,100	22	SH		DFND		22	0	0
CIGNA CORPORATION	COMMON STOCK	125523100	19,052	69	SH		SOLE		69	0	0
CME GROUP INC	COMMON STOCK	12572Q105	353,209	1,521	SH		SOLE		1,382	0	139
CSX CORP COM	COMMON STOCK	126408103	122,626	3,800	SH		SOLE		3,800	0	0
CVS HEALTH CORP COM	COMMON STOCK	126650100	122,787	2,736	SH		SOLE		2,736	0	0
CADENCE DESIGN SYSTEMS INC	COMMON STOCK	127387108	36,054	120	SH		SOLE		120	0	0
CARRIER GLOBAL CORP	COMMON STOCK	14448C104	76,724	1,124	SH		SOLE		1,124	0	0
CASEYS GEN STORES	COMMON STOCK	147528103	413,638	1,044	SH		SOLE		1,004	0	40
CASEYS GEN STORES	COMMON STOCK	147528103	5,150	13	SH		DFND		13	0	0
CATERPILLAR INC COM	COMMON STOCK	149123101	566,625	1,562	SH		SOLE		1,562	0	0
CATERPILLAR INC COM	COMMON STOCK	149123101	34,462	95	SH		DFND		95	0	0
CHEVRON CORPORATION COM	COMMON STOCK	166764100	983,285	6,789	SH		SOLE		6,651	0	138
CHIPOTLE MEXICAN GRILL	COMMON STOCK	169656105	48,229	800	SH		SOLE		800	0	0
CHURCH & DWIGHT CO.INC	COMMON STOCK	171340102	146,594	1,400	SH		SOLE		1,400	0	0
CISCO SYSTEMS INC COM	COMMON STOCK	17275R102	486,563	8,219	SH		SOLE		8,219	0	0
CITIGROUP INC	COMMON STOCK	172967424	103,810	1,475	SH		SOLE		1,475	0	0
CLOROX CO CALIF COM STK	COMMON STOCK	189054109	133,825	824	SH		SOLE		824	0	0
COCA COLA COMPANY COM	COMMON STOCK	191216100	431,956	6,938	SH		SOLE		6,938	0	0
COCA COLA COMPANY COM	COMMON STOCK	191216100	15,565	250	SH		DFND		250	0	0
COLGATE PALMOLIVE CO COM	COMMON STOCK	194162103	28,087	309	SH		SOLE		309	0	0
COMCAST CORP NEW CL A	COMMON STOCK	20030N101	118,336	3,154	SH		SOLE		3,154	0	0
COMCAST CORP NEW CL A	COMMON STOCK	20030N101	19,022	507	SH		DFND		507	0	0
CONOCOPHILLIPS	COMMON STOCK	20825C104	133,179	1,343	SH		SOLE		1,343	0	0
CONOCOPHILLIPS	COMMON STOCK	20825C104	32,230	325	SH		DFND		0	0	325
CONSOLIDATED EDISON INC COM	COMMON STOCK	209115104	80,931	907	SH		SOLE		907	0	0
CORTEVA, INC.	COMMON STOCK	22052L104	22,950	403	SH		SOLE		403	0	0
COSTCO WHOLESALE CORPORATION	COMMON STOCK	22160K105	2,028,593	2,214	SH		SOLE		2,197	0	17
COSTCO WHOLESALE CORPORATION	COMMON STOCK	22160K105	238,230	260	SH		DFND		260	0	0
CROWDSTIKE HOLDINGS INC.	COMMON STOCK	22788C105	34,215	100	SH		SOLE		100	0	0
CROWN CASTLE INTL CORP	COMMON STOCK	22822V101	22,690	250	SH		SOLE		250	0	0
CUMMINS INC	COMMON STOCK	231021106	225,185	646	SH		SOLE		646	0	0
DTE ENERGY CO	COMMON STOCK	233331107	12,075	100	SH		SOLE		100	0	0
DANAHER CORP	COMMON STOCK	235851102	1,016,194	4,427	SH		SOLE		4,342	0	85
DANAHER CORP	COMMON STOCK	235851102	29,841	130	SH		DFND		130	0	0
DARDEN RESTAURANTS, INC COM	COMMON STOCK	237194105	40,324	216	SH		SOLE		216	0	0
DEERE & COMPANY	COMMON STOCK	244199105	168,632	398	SH		SOLE		398	0	0
DEERE & COMPANY	COMMON STOCK	244199105	50,844	120	SH		DFND		120	0	0
WALT DISNEY COMPANY COM	COMMON STOCK	254687106	202,765	1,821	SH		SOLE		1,821	0	0
WALT DISNEY COMPANY COM	COMMON STOCK	254687106	50,107	450	SH		DFND		450	0	0
DOMINION RES INC VA NEW COM	COMMON STOCK	25746U109	88,598	1,645	SH		SOLE		1,645	0	0
DOMINION RES INC VA NEW COM	COMMON STOCK	25746U109	16,158	300	SH		DFND		0	0	300
DOVER CORP	COMMON STOCK	260003108	1,876	10	SH		SOLE		10	0	0
DOW INC COM	COMMON STOCK	260557103	186,355	4,644	SH		SOLE		4,644	0	0
DOW INC COM	COMMON STOCK	260557103	12,158	303	SH		DFND		20	0	283
DUKE ENERGY CORP NEW	COMMON STOCK	26441C204	234,004	2,172	SH		SOLE		2,172	0	0
DUKE ENERGY CORP NEW	COMMON STOCK	26441C204	97,073	901	SH		DFND		751	0	150
DUPONT DE NEMOURS, INC.	COMMON STOCK	26614N102	87,915	1,153	SH		SOLE		1,153	0	0
DUPONT DE NEMOURS, INC.	COMMON STOCK	26614N102	1,525	20	SH		DFND		20	0	0
EOG RES INC	COMMON STOCK	26875P101	138,147	1,127	SH		SOLE		1,127	0	0
ECOLAB INC	COMMON STOCK	278865100	53,893	230	SH		SOLE		230	0	0
EMERSON ELEC CO COM	COMMON STOCK	291011104	188,618	1,522	SH		SOLE		1,522	0	0
EMERSON ELEC CO COM	COMMON STOCK	291011104	173,502	1,400	SH		DFND		1,400	0	0
ENBRIDGE INC NPV	FOREIGN EQUITIES	29250N105	640,768	15,102	SH		SOLE		15,102	0	0
ENBRIDGE INC NPV	FOREIGN EQUITIES	29250N105	246,983	5,821	SH		DFND		5,135	0	686
ENTERGY CORPORATION	COMMON STOCK	29364G103	18,952	250	SH		SOLE		250	0	0
EQUINIX INC COM PAR $0.001	COMMON STOCK	29444U700	87,688	93	SH		SOLE		93	0	0
ESCO TECHNOLOGIES INC	COMMON STOCK	296315104	28,240	212	SH		SOLE		212	0	0
EVERSOURCE ENERGY	COMMON STOCK	30040W108	810,566	14,114	SH		SOLE		14,114	0	0
EXXON MOBIL CORP COM	COMMON STOCK	30231G102	1,492,610	13,876	SH		SOLE		13,700	0	176
EXXON MOBIL CORP COM	COMMON STOCK	30231G102	207,609	1,930	SH		DFND		1,530	0	400
META PLATFORMS	COMMON STOCK	30303M102	1,179,783	2,015	SH		SOLE		1,942	0	73
META PLATFORMS	COMMON STOCK	30303M102	87,826	150	SH		DFND		150	0	0
FASTENAL	COMMON STOCK	311900104	14,380	200	SH		DFND		200	0	0
FEDEX CORPORATION	COMMON STOCK	31428X106	90,584	322	SH		SOLE		322	0	0
FEDEX CORPORATION	COMMON STOCK	31428X106	28,132	100	SH		DFND		100	0	0
FISERV INC	COMMON STOCK	337738108	349,214	1,700	SH		SOLE		1,700	0	0
FLEXSHARES 3 YEAR DURATION TIPS ETF	ETF - INFLATION PROTECTED	33939L506	1,910	81	SH		SOLE		81	0	0
FREEPORT-MCMORAN COPPER	COMMON STOCK	35671D857	20,938	550	SH		SOLE		550	0	0
GE HEALTHCARE TECHNOLOGIES, INC.	COMMON STOCK	36266G107	19,309	247	SH		SOLE		247	0	0
GE VERNOVA INC.	COMMON STOCK	36828A101	60,849	185	SH		SOLE		185	0	0
GENERAL DYNAMICS CORP	COMMON STOCK	369550108	114,347	434	SH		SOLE		434	0	0
GE DBA GE AEROSPACE	COMMON STOCK	369604301	199,646	1,197	SH		SOLE		1,197	0	0
GENERAL MILLS INC COM	COMMON STOCK	370334104	136,147	2,135	SH		SOLE		2,135	0	0
GENERAL MILLS INC COM	COMMON STOCK	370334104	12,754	200	SH		DFND		200	0	0
GENUINE PARTS CO	COMMON STOCK	372460105	23,352	200	SH		SOLE		200	0	0
GILEAD SCIENCES INC	COMMON STOCK	375558103	18,935	205	SH		SOLE		205	0	0
GLAXO SMITHKLINE PLC ADR NEW	COMMON STOCK	37733W204	85,029	2,515	SH		SOLE		2,515	0	0
GOLDMAN SACHS GROUP	COMMON STOCK	38141G104	62,413	109	SH		SOLE		109	0	0
W W GRAINGER INC	COMMON STOCK	384802104	14,756	14	SH		SOLE		14	0	0
HP INC	COMMON STOCK	40434L105	41,211	1,263	SH		SOLE		1,263	0	0
HEWLETT PACKARD ENT CO	COMMON STOCK	42824C109	26,952	1,263	SH		SOLE		1,263	0	0
THE HOME DEPOT, INC	COMMON STOCK	437076102	1,016,378	2,613	SH		SOLE		2,509	0	104
THE HOME DEPOT, INC	COMMON STOCK	437076102	379,255	975	SH		DFND		975	0	0
HONEYWELL INTL INC COM	COMMON STOCK	438516106	885,484	3,920	SH		SOLE		3,920	0	0
IDACORP INC.	COMMON STOCK	451107106	81,960	750	SH		SOLE		750	0	0
IDEXX LABORATORIES INC	COMMON STOCK	45168D104	1,653,760	4,000	SH		SOLE		0	0	4,000
ILLINOIS TOOL WORKS INC	COMMON STOCK	452308109	38,034	150	SH		DFND		150	0	0
INTEL CORP COM	COMMON STOCK	458140100	2,785	139	SH		SOLE		139	0	0
INTERCONTINENTAL EXCHANGE	COMMON STOCK	45866F104	158,692	1,065	SH		SOLE		1,065	0	0
INTERCONTINENTAL EXCHANGE	COMMON STOCK	45866F104	59,604	400	SH		DFND		400	0	0
INTERNAT'L BUSINESS MACHINES COM	COMMON STOCK	459200101	253,017	1,151	SH		SOLE		1,151	0	0
INTERNAT'L BUSINESS MACHINES COM	COMMON STOCK	459200101	197,846	900	SH		DFND		900	0	0
INVESCO QQ	ETF - LARGE CAP	46090E103	566,431	1,108	SH		SOLE		1,108	0	0
INTUIT COM	COMMON STOCK	461202103	443,092	705	SH		SOLE		705	0	0
INVESCO S&P 500 QUALITY ETF	ETF - LARGE CAP	46137V241	26,002,996	387,991	SH		SOLE		378,186	0	9,805
INVESCO S&P 500 QUALITY ETF	ETF - LARGE CAP	46137V241	8,846	132	SH		DFND		132	0	0
INVESCO EXCHNG TRADED FD TR GLOBAL WATER	ETF - LARGE CAP	46138E651	38,229	979	SH		SOLE		979	0	0
ISHARES SELECT DIVIDEND ETF	ETF - MID CAP	464287168	1,703,206	12,973	SH		SOLE		12,973	0	0
ISHARES SELECT DIVIDEND ETF	ETF - MID CAP	464287168	45,819	349	SH		DFND		349	0	0
ISHARES CORE S&P 500 ETF	ETF - LARGE CAP	464287200	512,728	871	SH		SOLE		871	0	0
ISHARES CORE TOTAL U S BOND MARKET ETF	ETF - INTERM	464287226	809,981	8,359	SH		SOLE		8,359	0	0
ISHARES MSCI EMERGING MKTS INDEX	ETF - EMERGING INTL	464287234	188,436	4,507	SH		SOLE		4,507	0	0
ISHARES MSCI EMERGING MKTS INDEX	ETF - EMERGING INTL	464287234	18,186	435	SH		DFND		435	0	0
ISHARES IBOXX $ INV GRADE CORP BOND ETF	ETF - INTERM	464287242	60,790	569	SH		SOLE		569	0	0
ISHARES GLOBAL COMMUNICATION SERVICES ETF	ETF - LARGE CAP	464287275	3,866	40	SH		SOLE		40	0	0
ISHARES S&P GROWTH INDEX FUND	ETF - LARGE CAP	464287309	1,100,070	10,835	SH		SOLE		10,835	0	0
ISHARES S&P GROWTH INDEX FUND	ETF - LARGE CAP	464287309	136,963	1,349	SH		DFND		1,349	0	0
ISHARES S&P VALUE INDEX FUND	ETF - LARGE CAP	464287408	369,542	1,936	SH		SOLE		1,936	0	0
ISHARES S&P VALUE INDEX FUND	ETF - LARGE CAP	464287408	58,600	307	SH		DFND		307	0	0
ISHS BARCLAYS 1-3 YR TREAS BD FD	ETF - SHORT	464287457	83,526	1,019	SH		SOLE		1,019	0	0
ISHARES MSCI EAFE INDEX	ETF - DEVELOPED INTL	464287465	79,994	1,058	SH		SOLE		1,058	0	0
ISHARES MSCI EAFE INDEX	ETF - DEVELOPED INTL	464287465	26,387	349	SH		DFND		349	0	0
ISHARES RUSSELL MIDCAP VALUE INDEX FUND	ETF - MID CAP	464287473	257,384	1,990	SH		SOLE		1,990	0	0
ISHARES RUSSELL MIDCAP VALUE INDEX FUND	ETF - MID CAP	464287473	9,053	70	SH		DFND		70	0	0
ISHARES RUSSELL MIDCAP GROWTH INDEX FUND	ETF - MID CAP	464287481	102,411	808	SH		SOLE		808	0	0
ISHARES RUSSELL MIDCAP GROWTH INDEX FUND	ETF - MID CAP	464287481	22,308	176	SH		DFND		176	0	0
ISHARES RUSSELL MIDCAP INDEX FUND	ETF - EQUITIES	464287499	294,282	3,329	SH		SOLE		3,329	0	0
ISHARES CORE S&P MID-CAP ETF	ETF - MID CAP	464287507	10,509,399	168,665	SH		SOLE		168,665	0	0
NASDAQ BIOTECHNOLOGY I SHARES	ETF - EQUITIES	464287556	59,493	450	SH		SOLE		450	0	0
NASDAQ BIOTECHNOLOGY I SHARES	ETF - EQUITIES	464287556	99,156	750	SH		DFND		750	0	0
ISHARES RUSSELL 1000 VALUE INDEX	ETF - EQUITIES	464287598	131,071	708	SH		SOLE		708	0	0
I SHS RUSSELL 1000 GROWTH INDEX G	ETF - LARGE CAP	464287614	992,676	2,472	SH		SOLE		2,472	0	0
I SHS RUSSELL 1000	ETF - LARGE CAP	464287622	406,874	1,263	SH		SOLE		1,263	0	0
ISHARES RUSSELL 2000 VALUE INDEX FUND	ETF - SMALL CAP	464287630	236,400	1,440	SH		SOLE		1,440	0	0
ISHARES RUSSELL 2000 VALUE INDEX FUND	ETF - SMALL CAP	464287630	10,014	61	SH		DFND		61	0	0
ISHARES RUSSELL 2000 GROWTH INDEX FUND	ETF - SMALL CAP	464287648	54,683	190	SH		SOLE		190	0	0
ISHARES RUSSELL 2000 GROWTH INDEX FUND	ETF - SMALL CAP	464287648	17,557	61	SH		DFND		61	0	0
ISHARES RUSSELL 2000 INDEX	ETF - SMALL CAP	464287655	4,686,929	21,212	SH		SOLE		21,212	0	0
ISHARES RUSSELL 2000 INDEX	ETF - SMALL CAP	464287655	19,665	89	SH		DFND		89	0	0
ISHS RUSSELL 3000 INDEX	ETF - LARGE CAP	464287689	193,196	578	SH		SOLE		578	0	0
ISHS TR S&P MDCP 400 VALUE ETF	ETF - MID CAP	464287705	21,992	176	SH		SOLE		176	0	0
ISHARES CORE S&P SMALL-CAP ETF	ETF - SMALL CAP	464287804	3,262,854	28,319	SH		SOLE		27,023	0	1,296
ISHARES S&P NATL MUNI BOND FUND	ETF - INTERM	464288414	545,854	5,123	SH		SOLE		5,123	0	0
ISHARES S&P NATL MUNI BOND FUND	ETF - INTERM	464288414	46,775	439	SH		DFND		439	0	0
ISHARES HI YIELD CORPORATE BOND	ETF - HIGH YIELD	464288513	136,533	1,736	SH		SOLE		1,736	0	0
ETF ISHS INTER GOVT CR BD	ETF - INTERM	464288612	2,907,164	27,892	SH		SOLE		27,892	0	0
ETF ISHS INTER GOVT CR BD	ETF - INTERM	464288612	40,128	385	SH		DFND		385	0	0
ISHS BARCLAYS INTERMEDIATE TERM CREDIT BOND FD	ETF - INTERM	464288638	23,175	450	SH		SOLE		450	0	0
ISHARES SHORT-TERM CORP BOND	ETF - SHORT	464288646	862,765	16,688	SH		SOLE		16,688	0	0
ISHARES SHORT-TERM CORP BOND	ETF - SHORT	464288646	5,376	104	SH		DFND		104	0	0
ISHARES S&P US PREFERRED STOCK INDEX FUND	PREFERRED STOCK	464288687	117,515	3,739	SH		SOLE		3,739	0	0
ISHARES US MEDICAL DEVICES ETF	ETF - EQUITIES	464288810	26,253	450	SH		SOLE		450	0	0
ISHARES TRUST FLOATING RATE BOND ETF	ETF - SHORT	46429B655	1,410,878	27,730	SH		SOLE		27,730	0	0
ISHARES EDGE MSCI MIN VOL USA ETF	ETF - EQUITIES	46429B697	65,704	740	SH		SOLE		740	0	0
ISHARES EDGE MSCI US QULTY FACT ETF	ETF - DEVELOPED INTL	46432F339	103,820	583	SH		SOLE		583	0	0
ISHARES CORE MSCI EAFE ETF	ETF - EMERGING INTL	46432F842	35,209	501	SH		SOLE		501	0	0
ISHARES INC CORE MSCI EMERGING MKTS ETF	ETF - EMERGING INTL	46434G103	47,936	918	SH		SOLE		918	0	0
ISHARES ESG AWARE MSCI EMERGING MKTS FUND	ETF - EMERGING INTL	46434G863	141,260	4,232	SH		SOLE		4,232	0	0
ISHARES BITCOIN TRUST ETF	ETF - EQUITIES	46438F101	25,087	473	SH		SOLE		473	0	0
J P MORGAN CHASE & CO	COMMON STOCK	46625H100	2,640,367	11,015	SH		SOLE		10,921	0	94
J P MORGAN CHASE & CO	COMMON STOCK	46625H100	407,506	1,700	SH		DFND		1,700	0	0
JACOBS SOLUTIONS INC	COMMON STOCK	46982L108	21,378	160	SH		SOLE		160	0	0
JOHNSON & JOHNSON COM	COMMON STOCK	478160104	749,555	5,183	SH		SOLE		5,183	0	0
JOHNSON & JOHNSON COM	COMMON STOCK	478160104	24,584	170	SH		DFND		125	0	45
KIMBERLY CLARK CORP COM	COMMON STOCK	494368103	406,876	3,105	SH		SOLE		3,105	0	0
KIMBERLY CLARK CORP COM	COMMON STOCK	494368103	68,664	524	SH		DFND		524	0	0
KRAFT HEINZ CO	COMMON STOCK	500754106	27,230	887	SH		SOLE		887	0	0
LAM RESH CORP USD	COMMON STOCK	512807306	90,272	1,250	SH		SOLE		1,250	0	0
ELI LILLY & CO COM	COMMON STOCK	532457108	978,896	1,268	SH		SOLE		1,268	0	0
ELI LILLY & CO COM	COMMON STOCK	532457108	540,400	700	SH		DFND		700	0	0
LOCKHEED MARTIN CORP	COMMON STOCK	539830109	912,082	1,877	SH		SOLE		1,803	0	74
LOCKHEED MARTIN CORP	COMMON STOCK	539830109	48,594	100	SH		DFND		100	0	0
LOWES COMPANIES INC COM STK	COMMON STOCK	548661107	646,860	2,621	SH		SOLE		2,621	0	0
LULULEMON ATHLETICA	COMMON STOCK	550021109	24,856	65	SH		SOLE		65	0	0
MARSH & MCLENNAN COMPANIES, INC	COMMON STOCK	571748102	108,753	512	SH		SOLE		512	0	0
MARRIOTT INTERNATIONAL INC NEW CLASS A	COMMON STOCK	571903202	20,920	75	SH		SOLE		75	0	0
MASCO CORPORATION	COMMON STOCK	574599106	70,310	969	SH		SOLE		969	0	0
MASTERCARD INC	COMMON STOCK	57636Q104	1,693,423	3,216	SH		SOLE		3,154	0	62
MASTERCARD INC	COMMON STOCK	57636Q104	105,314	200	SH		DFND		200	0	0
MCCORMICK & CO INC	COMMON STOCK	579780206	40,254	528	SH		SOLE		528	0	0
MCDONALDS CORP COM	COMMON STOCK	580135101	1,140,671	3,935	SH		SOLE		3,935	0	0
MCDONALDS CORP COM	COMMON STOCK	580135101	173,928	600	SH		DFND		600	0	0
MCKESSON CORP	COMMON STOCK	58155Q103	161,281	283	SH		SOLE		283	0	0
MCKESSON CORP	COMMON STOCK	58155Q103	56,990	100	SH		DFND		100	0	0
MERCK & CO INC NEW	COMMON STOCK	58933Y105	544,346	5,472	SH		SOLE		5,472	0	0
MERCK & CO INC NEW	COMMON STOCK	58933Y105	21,189	213	SH		DFND		0	0	213
METLIFE INC	COMMON STOCK	59156R108	193,806	2,367	SH		SOLE		2,367	0	0
MICROSOFT CORP	COMMON STOCK	594918104	6,407,202	15,201	SH		SOLE		15,054	0	147
MICROSOFT CORP	COMMON STOCK	594918104	535,304	1,270	SH		DFND		1,115	0	155
MICROCHIP TECHNOLOGY INC	COMMON STOCK	595017104	121,272	2,115	SH		SOLE		2,115	0	0
MICRON TECHNOLOGY INC COM	COMMON STOCK	595112103	36,184	430	SH		SOLE		430	0	0
MONDELEZ INTL INC	COMMON STOCK	609207105	452,421	7,576	SH		SOLE		7,349	0	227
MONDELEZ INTL INC	COMMON STOCK	609207105	94,714	1,586	SH		DFND		1,310	0	276
MORGAN STANLEY	COMMON STOCK	617446448	81,592	649	SH		SOLE		649	0	0
NBT BANCORP INC	COMMON STOCK	628778102	278,191	5,826	SH		SOLE		5,826	0	0
NETFLIX INC	COMMON STOCK	64110L106	82,891	93	SH		SOLE		93	0	0
NETFLIX INC	COMMON STOCK	64110L106	178,264	200	SH		DFND		200	0	0
NEXTERA ENERGY INC	COMMON STOCK	65339F101	93,553	1,305	SH		SOLE		1,305	0	0
NEXTERA ENERGY INC	COMMON STOCK	65339F101	304,681	4,250	SH		DFND		4,250	0	0
NIKE INC CL B	COMMON STOCK	654106103	74,078	979	SH		SOLE		979	0	0
NIKE INC CL B	COMMON STOCK	654106103	22,701	300	SH		DFND		300	0	0
NORFOLK SOUTHN CORP COM	COMMON STOCK	655844108	957,101	4,078	SH		SOLE		4,078	0	0
NORFOLK SOUTHN CORP COM	COMMON STOCK	655844108	117,350	500	SH		DFND		500	0	0
NORTH EUROPEAN OIL ROYALTY TRUST	COMMON STOCK	659310106	104,227	25,863	SH		SOLE		25,863	0	0
NOVARTIS A G ADR	COMMON STOCK	66987V109	102,755	1,056	SH		SOLE		1,056	0	0
NOVARTIS A G ADR	COMMON STOCK	66987V109	82,712	850	SH		DFND		850	0	0
NOVO NORDISK AS ADR	COMMON STOCK	670100205	567,450	6,597	SH		SOLE		6,320	0	277
NOVO NORDISK AS ADR	COMMON STOCK	670100205	5,333	62	SH		DFND		62	0	0
NUCOR CORP	COMMON STOCK	670346105	20,190	173	SH		SOLE		173	0	0
NUCOR CORP	COMMON STOCK	670346105	116,125	995	SH		DFND		995	0	0
NVIDIA CORP	COMMON STOCK	67066G104	2,077,979	15,474	SH		SOLE		15,178	0	296
NVIDIA CORP	COMMON STOCK	67066G104	13,429	100	SH		DFND		100	0	0
O'REILLY AUTOMOTIVE INC.	COMMON STOCK	67103H107	228,857	193	SH		SOLE		193	0	0
OMNICOM GROUP INC	COMMON STOCK	681919106	58,163	676	SH		SOLE		676	0	0
ORACLE CORPORATION COM	COMMON STOCK	68389X105	1,130,635	6,785	SH		SOLE		6,543	0	242
ORACLE CORPORATION COM	COMMON STOCK	68389X105	58,324	350	SH		DFND		350	0	0
OTIS WORLDWIDE CORP	COMMON STOCK	68902V107	38,062	411	SH		SOLE		411	0	0
PACER DATA AND DIGITAL REVOLUTION	ETF - LARGE CAP	69374H386	4,192	83	SH		SOLE		83	0	0
PARKER HANNIFIN CORP	COMMON STOCK	701094104	178,085	280	SH		SOLE		280	0	0
PAYCOM SOFTWARE INC	COMMON STOCK	70432V102	103,509	505	SH		SOLE		505	0	0
PAYCHEX INC COM STK	COMMON STOCK	704326107	168,403	1,201	SH		SOLE		1,201	0	0
PAYPAL HOLDINGS INC	COMMON STOCK	70450Y103	22,617	265	SH		SOLE		265	0	0
PAYPAL HOLDINGS INC	COMMON STOCK	70450Y103	13,656	160	SH		DFND		160	0	0
PEPSICO, INC COM	COMMON STOCK	713448108	1,087,203	7,150	SH		SOLE		7,058	0	92
PEPSICO, INC COM	COMMON STOCK	713448108	152,060	1,000	SH		DFND		1,000	0	0
PFIZER INC COM	COMMON STOCK	717081103	303,493	11,444	SH		SOLE		11,444	0	0
PHILIP MORRIS INTL INC	COMMON STOCK	718172109	99,406	826	SH		SOLE		826	0	0
PHILIP MORRIS INTL INC	COMMON STOCK	718172109	34,540	287	SH		DFND		0	0	287
PHOTRONICS INC	COMMON STOCK	719405102	235,500	10,000	SH		SOLE		10,000	0	0
T ROWE PRICE GROUP	COMMON STOCK	74144T108	22,618	200	SH		DFND		200	0	0
PRINCIPAL FINANCIAL GROUP	COMMON STOCK	74251V102	15,093	195	SH		SOLE		195	0	0
PROCTER & GAMBLE CO COM	COMMON STOCK	742718109	1,916,724	11,433	SH		SOLE		11,433	0	0
PROCTER & GAMBLE CO COM	COMMON STOCK	742718109	184,414	1,100	SH		DFND		1,100	0	0
PROGRESSIVE CORP	COMMON STOCK	743315103	5,031	21	SH		SOLE		21	0	0
PRUDENTIAL FINL INC COM	COMMON STOCK	744320102	49,782	420	SH		SOLE		420	0	0
PUBLIC SVC ENTERPRISE GROUP COM	COMMON STOCK	744573106	103,922	1,230	SH		SOLE		1,230	0	0
RAYTHEON TECHNOLOGIES CORP.	COMMON STOCK	75513E101	617,704	5,338	SH		SOLE		5,338	0	0
RAYTHEON TECHNOLOGIES CORP.	COMMON STOCK	75513E101	115,141	995	SH		DFND		795	0	200
SHELL PLC NPV ADR	COMMON STOCK	780259305	78,248	1,249	SH		SOLE		1,249	0	0
SPDR S&P 500 ETF TRUST	ETF - LARGE CAP	78462F103	10,930,947	18,651	SH		SOLE		18,651	0	0
SPDR S&P 500 ETF TRUST	ETF - LARGE CAP	78462F103	432,526	738	SH		DFND		0	738	0
SPDR GOLD TR GOLD SHS	ETF - ALTERNATIVE	78463V107	346,244	1,430	SH		SOLE		1,430	0	0
SPDR BARCLAYS CAP CONV SEC	ETF - INTERM	78464A359	86,758	1,114	SH		SOLE		1,114	0	0
SPDR S&P DIVIDEND ETF	ETF - LARGE CAP	78464A763	1,990,339	15,067	SH		SOLE		15,067	0	0
SPDR DOW JONES INDL AVERAGE ETR TR	ETF - LARGE CAP	78467X109	114,885	270	SH		SOLE		270	0	0
SPDR S&P MIDCAP 400 ETF TR	ETF - MID CAP	78467Y107	3,856,037	6,770	SH		SOLE		6,770	0	0
SPDR S&P MIDCAP 400 ETF TR	ETF - MID CAP	78467Y107	23,352	41	SH		DFND		41	0	0
SALESFORCE INC	COMMON STOCK	79466L302	11,701	35	SH		SOLE		35	0	0
SALESFORCE INC	COMMON STOCK	79466L302	40,118	120	SH		DFND		120	0	0
SCHLUMBERGER LTD COM STK	COMMON STOCK	806857108	1,801	47	SH		SOLE		47	0	0
SELECT SECTOR SPDR TR SBI MATERIALS	ETF - EQUITIES	81369Y100	84,139	1,000	SH		SOLE		1,000	0	0
SELECT SECTOR SPDR TR SBI HEALTHCARE	ETF - EQUITIES	81369Y209	82,542	600	SH		SOLE		600	0	0
SPDR CONSUMER DISCRETIONARY	ETF - EQUITIES	81369Y407	94,001	419	SH		SOLE		419	0	0
FINANCIAL SELECT SECTOR SPDRETF	ETF - EQUITIES	81369Y605	941,368	19,478	SH		SOLE		19,478	0	0
FINANCIAL SELECT SECTOR SPDRETF	ETF - EQUITIES	81369Y605	26,581	550	SH		DFND		0	0	550
SELECT SECTOR SPDR TR SBI INT-INDS	ETF - EQUITIES	81369Y704	55,207	419	SH		SOLE		419	0	0
TECHNOLOGY SELECT SECTOR SPDR ETF	ETF - EQUITIES	81369Y803	302,973	1,303	SH		SOLE		1,303	0	0
COMMUNICATION SERVICES SELECT SECTOR SPDR FUND	ETF - LARGE CAP	81369Y852	4,065	42	SH		SOLE		42	0	0
SELECT SECTOR SPDR - UTILITIES	ETF - EQUITIES	81369Y886	272,630	3,602	SH		SOLE		3,602	0	0
SERVICENOW, INC	COMMON STOCK	81762P102	238,524	225	SH		SOLE		225	0	0
SHERWIN-WILLIAMS COMPANY	COMMON STOCK	824348106	40,109	118	SH		SOLE		118	0	0
SOLVENTUM CORP.	COMMON STOCK	83444M101	8,455	128	SH		DFND		128	0	0
SOUTHERN CO COM	COMMON STOCK	842587107	539,614	6,556	SH		SOLE		6,556	0	0
SOUTHERN CO COM	COMMON STOCK	842587107	19,754	240	SH		DFND		0	0	240
STARBUCKS CORPORATION	COMMON STOCK	855244109	154,210	1,690	SH		SOLE		1,690	0	0
STATE STREET CORP COM	COMMON STOCK	857477103	7,361	75	SH		SOLE		75	0	0
STRYKER CORP	COMMON STOCK	863667101	1,138,428	3,162	SH		SOLE		3,102	0	60
SUNCOR ENERGY, INC.	FOREIGN EQUITIES	867224107	88,308	2,475	SH		DFND		2,475	0	0
TJX COS INC	COMMON STOCK	872540109	1,479,658	12,248	SH		SOLE		11,880	0	368
TARGET CORP COM	COMMON STOCK	87612E106	310,771	2,299	SH		SOLE		2,299	0	0
TARGET CORP COM	COMMON STOCK	87612E106	89,894	665	SH		DFND		665	0	0
TESLA MOTORS INC. COMMON	COMMON STOCK	88160R101	199,895	495	SH		SOLE		495	0	0
TEXAS INSTRUMENTS, INC	COMMON STOCK	882508104	147,381	786	SH		SOLE		786	0	0
THERMO FISHER SCIENTIFIC INC	COMMON STOCK	883556102	715,283	1,375	SH		SOLE		1,319	0	56
3M COMPANY	COMMON STOCK	88579Y101	214,929	1,665	SH		SOLE		1,665	0	0
3M COMPANY	COMMON STOCK	88579Y101	119,666	927	SH		DFND		927	0	0
TRACTOR SUPPLY CO.	COMMON STOCK	892356106	414,119	7,805	SH		SOLE		7,230	0	575
TRANSDIGM GROUP INC	COMMON STOCK	893641100	95,046	75	SH		DFND		75	0	0
TRAVELERS COMPANIES INC	COMMON STOCK	89417E109	937,760	3,893	SH		SOLE		3,809	0	84
TRAVELERS COMPANIES INC	COMMON STOCK	89417E109	156,578	650	SH		DFND		650	0	0
TRUIST FINL CORP COM	COMMON STOCK	89832Q109	61,988	1,429	SH		SOLE		1,429	0	0
U S BANCORP DEL	COMMON STOCK	902973304	19,128	400	SH		SOLE		400	0	0
ULTA BEAUTY, INC	COMMON STOCK	90384S303	7,390	17	SH		SOLE		17	0	0
UNION PAC CORP COM	COMMON STOCK	907818108	593,571	2,603	SH		SOLE		2,422	0	181
UNION PAC CORP COM	COMMON STOCK	907818108	45,608	200	SH		DFND		200	0	0
UNITED PARCEL SERVICE	COMMON STOCK	911312106	72,758	577	SH		SOLE		577	0	0
UNITED PARCEL SERVICE	COMMON STOCK	911312106	18,915	150	SH		DFND		150	0	0
UNITED HEALTH GROUP INC	COMMON STOCK	91324P102	327,281	647	SH		SOLE		647	0	0
V F CORP	COMMON STOCK	918204108	3,753	175	SH		DFND		175	0	0
VAIL RESORTS INC COM	COMMON STOCK	91879Q109	65,606	350	SH		SOLE		350	0	0
VANECK VEC RETAIL ETF	ETF - LARGE CAP	92189F684	44,842	200	SH		DFND		200	0	0
ETF VANGUARD DIVIDEND APPRECIATION	ETF - LARGE CAP	921908844	1,106,825	5,652	SH		SOLE		5,652	0	0
VANGUARD ESG US STK ETF	ETF - EQUITIES	921910733	202,542	1,931	SH		SOLE		1,931	0	0
VANGUARD W MEGA CAP 300 INDEX ETF	ETF - LARGE CAP	921910873	494,859	2,327	SH		SOLE		2,327	0	0
VANGUARD S&P 500 GROWTH	ETF - LARGE CAP	921932505	93,708	256	SH		SOLE		256	0	0
ETF VANGUARD BOND INDEX	ETF - INTERM	921937835	135,602	1,886	SH		SOLE		1,886	0	0
VANGUARD DEVELOPED MARKETS ETF	ETF - DEVELOPED INTL	921943858	150,792	3,154	SH		SOLE		3,154	0	0
VANGUARD HIGH DIVIDEND YIELD ETF	ETF - LARGE CAP	921946406	5,537,126	43,398	SH		SOLE		43,398	0	0
VANGUARD HIGH DIVIDEND YIELD ETF	ETF - LARGE CAP	921946406	48,866	383	SH		DFND		383	0	0
VANGUARD ENERGY ETF	ETF - EQUITIES	92204A306	513,015	4,229	SH		SOLE		4,229	0	0
VANGUARD INFORMATION TECHNOLOGY VIPERS	ETF - EQUITIES	92204A702	1,604,209	2,580	SH		SOLE		2,580	0	0
VANGUARD COMMUNICATION SERVICES ETF	ETF - EQUITIES	92204A884	96,073	620	SH		SOLE		620	0	0
VANGUARD FTSE ALL WORLD EX US ETF	ETF - DEVELOPED INTL	922042775	326,028	5,680	SH		SOLE		5,680	0	0
VANGUARD FTSE ALL WORLD EX US ETF	ETF - DEVELOPED INTL	922042775	93,044	1,621	SH		DFND		936	685	0
VANGUART SHORT-TERM TREASUREINDEX FUND	ETF - SHORT	92206C102	86,048	1,479	SH		SOLE		1,479	0	0
VANGUARD INDEX FUNDS S&P 500 ETF	ETF - LARGE CAP	922908363	232,221	431	SH		SOLE		431	0	0
VANGUARD REIT	ETF - EQUITIES	922908553	83,289	935	SH		SOLE		935	0	0
VANGUARD REIT	ETF - EQUITIES	922908553	14,698	165	SH		DFND		0	0	165
VANGUARD SMALL CAP	ETF - SMALL CAP	922908611	14,863	75	SH		SOLE		75	0	0
ETF VANGUARD MID-CAP	ETF - MID CAP	922908629	51,769	196	SH		SOLE		196	0	0
VANGUARD LARGE CAP	ETF - LARGE CAP	922908637	79,019	293	SH		SOLE		293	0	0
VANGUARD EXTENDED MARKET ETF	ETF - MID CAP	922908652	197,388	1,039	SH		SOLE		1,039	0	0
VANGUARD GROWTH ETF	ETF - LARGE CAP	922908736	129,698	316	SH		SOLE		316	0	0
VANGUARD INDEX FUNDS SMALL CAP	ETF - SMALL CAP	922908751	37,963	158	SH		SOLE		158	0	0
VANGUARD TOTAL STOCK MARKET INDEX	ETF - LARGE CAP	922908769	941,844	3,250	SH		SOLE		3,250	0	0
VERALTO CORP	COMMON STOCK	92338C103	4,379	43	SH		DFND		43	0	0
VERIZON COMMUNICATIONS INC COM	COMMON STOCK	92343V104	118,456	2,963	SH		SOLE		2,963	0	0
VISA INC	COMMON STOCK	92826C839	275,892	873	SH		SOLE		873	0	0
WAL-MART STORES, INC	COMMON STOCK	931142103	36,411	403	SH		SOLE		403	0	0
WAL-MART STORES, INC	COMMON STOCK	931142103	51,499	570	SH		DFND		570	0	0
WASTE MGMT INC DEL COM	COMMON STOCK	94106L109	20,179	100	SH		SOLE		100	0	0
WEBSTER FINL CORP CONN COM	COMMON STOCK	947890109	69,466	1,258	SH		SOLE		1,258	0	0
WELLS FARGO & CO NEW	COMMON STOCK	949746101	68,342	973	SH		SOLE		973	0	0
WELLS FARGO & CO NEW	COMMON STOCK	949746101	22,476	320	SH		DFND		320	0	0
WELLS FARGO PFD L	PREFERRED STOCK	949746804	14,331	12	SH		SOLE		12	0	0
WELLS FARGO PFD L	PREFERRED STOCK	949746804	23,886	20	SH		DFND		20	0	0
WEYERHAEUSER CO	COMMON STOCK	962166104	40,099	1,425	SH		SOLE		1,425	0	0
WEYERHAEUSER CO	COMMON STOCK	962166104	46,290	1,645	SH		DFND		1,645	0	0
WHIRLPOOL CORPORATION COM	COMMON STOCK	963320106	9,158	80	SH		DFND		80	0	0
WORKDAY, INC.	COMMON STOCK	98138H101	18,061	70	SH		SOLE		70	0	0
XYLEM INC	COMMON STOCK	98419M100	32,020	276	SH		SOLE		276	0	0
ZIMMER BIOMET HLDGS INC	COMMON STOCK	98956P102	10,563	100	SH		SOLE		100	0	0
ZOETIS INC	COMMON STOCK	98978V103	631,331	3,875	SH		SOLE		3,701	0	174