NBT Bank N A 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
2u Inc	COM	90214J101	1,230	1,000	SH		DFND	1	0	0	1,000
3m CO	Com	88579Y101	1,048,812	9,594	SH		SOLE	0	8,549	330	715
3m CO	Com	88579Y101	304,893	2,789	SH		OTR	0	2,539	65	185
3M Company	COM	88579Y101	10,932	100	SH		DFND	1	0	0	100
A P Moeller Maersk Ord	COM	K0514G135	26,616	15	SH		DFND	1	0	0	15
Abbott Laboratories	COM	002824100	73,417	667	SH		DFND	1	0	0	667
Abbott Labs	Com	002824100	4,795,860	43,571	SH		SOLE	0	42,971	0	600
Abbott Labs	Com	002824100	8,014,857	72,816	SH		OTR	0	70,580	576	1,660
Abbvie Inc	Com	00287Y109	4,134,445	26,679	SH		SOLE	0	26,379	0	300
Abbvie Inc	Com	00287Y109	5,859,261	37,809	SH		OTR	0	36,284	295	1,230
AbbVie Inc.	COM	00287Y109	124,751	805	SH		DFND	1	0	0	805
Aberdeen Std Physical Swiss Gold	COM	26922Y105	1,317,487	66,742	SH		DFND	1	0	0	66,742
Accenture plc	COM	G1151C101	13,685	39	SH		DFND	1	0	0	39
Accenture PLC Cl A	Com	G1151C101	385,299	1,098	SH		SOLE	0	1,098	0	0
Accenture PLC Cl A	Com	G1151C101	514,785	1,467	SH		OTR	0	1,437	30	0
Adobe Inc	Com	00724F101	989,759	1,659	SH		SOLE	0	1,659	0	0
Adobe Inc	Com	00724F101	1,345,333	2,255	SH		OTR	0	2,216	7	32
Advanced Micro Devices, Inc.	COM	007903107	9,582	65	SH		DFND	1	30	0	35
Aflac Inc	Com	001055102	109,973	1,333	SH		SOLE	0	1,333	0	0
Aflac Inc	Com	001055102	99,000	1,200	SH		OTR	0	1,200	0	0
Agnico Eagle Mines Ltd	Com	008474108	424,978	7,748	SH		OTR	0	7,748	0	0
Air Products & Chemicals Inc	Com	009158106	1,410,891	5,153	SH		SOLE	0	5,153	0	0
Air Products & Chemicals Inc	Com	009158106	2,559,482	9,348	SH		OTR	0	9,273	0	75
Air Products and Chemicals, Inc.	COM	009158106	12,595	46	SH		DFND	1	0	0	46
Alcon Inc	COM	H01301128	859	11	SH		DFND	1	0	0	11
Alibaba Group Hldg Ltd	COM	01609W102	11,627	150	SH		DFND	1	0	0	150
Allbirds Inc	COM	01675A109	61	50	SH		DFND	1	0	0	50
Allegion PLC	Com	G0176J109	85,136	672	SH		SOLE	0	672	0	0
Allegion PLC	Com	G0176J109	2,811,631	22,193	SH		OTR	0	22,193	0	0
AllianceBernstein Gl High IncFun	COM	01879R106	8,875	877	SH		DFND	1	0	0	877
ALLIANT ENERGY CORP	COM	018802108	141,488	2,758	SH		DFND	1	2,758	0	0
Allstate Corp	Com	020002101	154,398	1,103	SH		SOLE	0	1,103	0	0
Allstate Corp	Com	020002101	139,980	1,000	SH		OTR	0	1,000	0	0
Allstate Corporation	COM	200021014	13,998	100	SH		DFND	1	0	0	100
Alphabet Inc Cl A	Com	02079K305	5,842,115	41,822	SH		SOLE	0	41,162	0	660
Alphabet Inc Cl A	Com	02079K305	29,163,500	208,773	SH		OTR	0	205,539	0	3,234
Alphabet Inc Cl C	Com	02079K107	6,119,003	43,419	SH		SOLE	0	41,356	0	2,063
Alphabet Inc Cl C	Com	02079K107	15,863,926	112,566	SH		OTR	0	109,880	86	2,600
Alphabet Inc. Class A	COM	02079K305	436,252	3,123	SH		DFND	1	0	0	3,123
Alphabet Inc. Class C	COM	02079K107	286,933	2,036	SH		DFND	1	0	0	2,036
Altaba Inc Xxx	COM	021ESC017	28	33	SH		DFND	1	0	0	33
Alterrus Systems Inc Xxx	COM	02153P105	0	22	SH		DFND	1	0	0	22
Altria Group Inc	Com	02209S103	544,106	13,488	SH		SOLE	0	12,713	0	775
Altria Group Inc	Com	02209S103	1,555,591	38,562	SH		OTR	0	37,862	0	700
Altria Group, Inc.	COM	02209S103	46,305	1,148	SH		DFND	1	0	0	1,148
Amazon.Com Inc	Com	023135106	3,306,518	21,762	SH		SOLE	0	21,762	0	0
Amazon.Com Inc	Com	023135106	17,770,143	116,955	SH		OTR	0	115,599	0	1,356
Amazon.com, Inc	COM	023135106	188,406	1,240	SH		DFND	1	0	0	1,240
Amcor Plc	COM	G0250X107	17,342	1,799	SH		DFND	1	0	0	1,799
Amedica Corporation	COM	023435100	0	0	SH		DFND	1	0	0	0
American Express CO	Com	025816109	972,857	5,193	SH		SOLE	0	5,193	0	0
American Express CO	Com	025816109	2,743,220	14,643	SH		OTR	0	14,207	0	436
American Express Company	COM	025816109	1,686	9	SH		DFND	1	0	0	9
American Intl Group Inc	COM	002687484	6,775	100	SH		DFND	1	0	0	100
American Tower Corp REIT	Com	03027X100	238,763	1,106	SH		SOLE	0	1,106	0	0
American Tower Corp REIT	Com	03027X100	109,235	506	SH		OTR	0	506	0	0
American Water Works CO Inc	Com	030420103	1,133,266	8,586	SH		SOLE	0	8,586	0	0
American Water Works CO Inc	Com	030420103	714,858	5,416	SH		OTR	0	3,886	100	1,430
Amgen Inc	Com	031162100	795,223	2,761	SH		SOLE	0	2,761	0	0
Amgen Inc	Com	031162100	476,385	1,654	SH		OTR	0	1,654	0	0
Amgen Inc.	COM	031162100	62,788	218	SH		DFND	1	0	0	218
Amphenol Corp	Com	032095101	374,017	3,773	SH		SOLE	0	3,773	0	0
Amphenol Corp	Com	032095101	978,611	9,872	SH		OTR	0	9,872	0	0
Amplify CWP Enhanced Dividend	Com	032108409	690,649	18,896	SH		SOLE	0	18,896	0	0
Amplify CWP Enhanced Dividend	Com	032108409	182,750	5,000	SH		OTR	0	5,000	0	0
Analog Devices Inc	Com	032654105	213,651	1,076	SH		SOLE	0	1,076	0	0
Analog Devices Inc	Com	032654105	216,033	1,088	SH		OTR	0	1,056	32	0
Analog Devices Inc	COM	032654105	1,787	9	SH		DFND	1	0	0	9
Aon PLC ADR	Com	G0403H108	1,194,637	4,105	SH		OTR	0	4,105	0	0
APA Corporation	Com	03743Q108	326,006	9,086	SH		SOLE	0	9,086	0	0
APA Corporation	Com	03743Q108	28,704	800	SH		OTR	0	800	0	0
Apple Inc	Com	037833100	29,723,136	154,382	SH		SOLE	0	142,712	211	11,459
Apple Inc	Com	037833100	33,429,369	173,632	SH		OTR	0	165,319	2,001	6,312
Apple Inc.	COM	037833100	1,893,760	9,836	SH		DFND	1	0	0	9,836
Applied Materials Inc	Com	038222105	281,191	1,735	SH		SOLE	0	1,735	0	0
Applied Materials Inc	Com	038222105	379,244	2,340	SH		OTR	0	2,340	0	0
Aptiv Plc	COM	G6095L109	2,243	25	SH		DFND	1	0	0	25
Archer-Daniels-Midland Co.	COM	039483102	36,110	500	SH		DFND	1	0	0	500
ARK Autonomous Tech & Robotics E	COM	00214Q203	8,713	151	SH		DFND	1	0	0	151
Arrow Finl Corp	Com	042744102	176,441	6,315	SH		SOLE	0	0	0	6,315
Arrow Finl Corp	Com	042744102	152,636	5,463	SH		OTR	0	5,463	0	0
Arrow Manufacturing Co.	Com	126001999	283,975	463	SH		SOLE	0	463	0	0
Asml Holding N V	Com	N07059210	5,298	7	SH		SOLE	0	7	0	0
Asml Holding N V	Com	N07059210	295,956	391	SH		OTR	0	391	0	0
AT&T Inc	Com	00206R102	979,616	58,380	SH		SOLE	0	56,545	435	1,400
AT&T Inc	Com	00206R102	861,636	51,349	SH		OTR	0	45,890	547	4,912
AT&T, Inc.	COM	00206R102	183,334	10,926	SH		DFND	1	0	0	10,926
Atmos Energy Corp	COM	049560105	14,140	122	SH		DFND	1	0	0	122
Auto Data Processing	COM	053015103	13,512	58	SH		DFND	1	0	0	58
Autodesk Inc	Com	052769106	182,610	750	SH		SOLE	0	750	0	0
Autodesk Inc	Com	052769106	299,967	1,232	SH		OTR	0	1,232	0	0
Autoliv Inc	Com	052800109	1,034,464	9,388	SH		SOLE	0	8,344	0	1,044
Autoliv Inc	Com	052800109	1,184,102	10,746	SH		OTR	0	10,746	0	0
Automatic Data Processing Inc	Com	053015103	4,520,317	19,403	SH		SOLE	0	19,123	0	280
Automatic Data Processing Inc	Com	053015103	6,791,541	29,152	SH		OTR	0	28,124	115	913
Avanos Medical Inc	COM	05350V106	449	20	SH		DFND	1	0	0	20
Axis Capital H Pfd	COM	05461T305	4,182	200	SH		DFND	1	0	0	200
B & G Foods Inc	COM	05508R106	5,880	560	SH		DFND	1	0	0	560
Ball Corp	Com	058498106	205,922	3,580	SH		OTR	0	3,580	0	0
BANK MONTREAL QUE F	COM	063671101	4,495,437	45,436	SH		DFND	1	45,436	0	0
Bank of America Corp	Com	060505104	959,561	28,499	SH		SOLE	0	28,067	0	432
Bank of America Corp	Com	060505104	681,784	20,249	SH		OTR	0	20,249	0	0
Bank of America Corporation	COM	060505104	109,958	3,265	SH		DFND	1	864	0	2,401
Bank of New York Mellon Corp	Com	064058100	513,213	9,860	SH		SOLE	0	9,860	0	0
Bank of New York Mellon Corp	Com	064058100	26,025	500	SH		OTR	0	0	0	500
Baxter Intl Inc	Com	071813109	195,078	5,046	SH		SOLE	0	5,046	0	0
Baxter Intl Inc	Com	071813109	118,802	3,073	SH		OTR	0	1,073	0	2,000
Becton Dickinson	Com	075887109	470,104	1,928	SH		SOLE	0	1,928	0	0
Becton Dickinson	Com	075887109	218,472	896	SH		OTR	0	883	13	0
Berkshire Hathaway Inc Class A	Com	084670108	2,713,125	5	SH		OTR	0	5	0	0
Berkshire Hathaway Inc.	COM	084670702	339,897	953	SH		DFND	1	100	0	853
Berkshire Hathaway Inc-Cl B	Com	084670702	3,192,107	8,950	SH		SOLE	0	8,720	30	200
Berkshire Hathaway Inc-Cl B	Com	084670702	13,265,612	37,194	SH		OTR	0	37,016	38	140
Best Buy Company Inc	Com	086516101	247,521	3,162	SH		SOLE	0	3,162	0	0
Best Buy Company Inc	Com	086516101	26,146	334	SH		OTR	0	334	0	0
Better Choice Co Inc	COM	08771Y303	1,383	5,000	SH		DFND	1	0	0	5,000
Bhp Billiton Ltd Adr	COM	088606108	7,919	116	SH		DFND	1	0	0	116
BHP Group Ltd Spons ADR	Com	088606108	160,050	2,343	SH		SOLE	0	2,143	0	200
BHP Group Ltd Spons ADR	Com	088606108	51,233	750	SH		OTR	0	750	0	0
Blackrock Inc Cl A	Com	09247X101	1,390,613	1,713	SH		SOLE	0	1,713	0	0
Blackrock Inc Cl A	Com	09247X101	446,490	550	SH		OTR	0	520	0	30
Blackrock US Carbon Trns	COM	09290C509	28,211	539	SH		DFND	1	0	0	539
Blackrock Wrld Ex US	COM	09290C608	4,548	104	SH		DFND	1	0	0	104
Blackstone Inc	Com	09260D107	146,892	1,122	SH		SOLE	0	1,122	0	0
Blackstone Inc	Com	09260D107	762,478	5,824	SH		OTR	0	5,824	0	0
Boeing CO	Com	097023105	1,912,202	7,336	SH		SOLE	0	7,136	0	200
Boeing CO	Com	097023105	2,287,031	8,774	SH		OTR	0	8,608	16	150
Boston Scientific Corp	Com	101137107	18,904	327	SH		SOLE	0	327	0	0
Boston Scientific Corp	Com	101137107	276,621	4,785	SH		OTR	0	4,785	0	0
BP PLC Spons ADR	Com	055622104	103,580	2,926	SH		SOLE	0	2,926	0	0
BP PLC Spons ADR	Com	055622104	222,312	6,280	SH		OTR	0	6,280	0	0
BrandywineGLOBAL - Global Inco	Com	10537L104	156,239	18,700	SH		SOLE	0	18,700	0	0
Brc Inc	COM	05601U105	2,087	575	SH		DFND	1	0	0	575
Brighthouse Financial, Inc.	COM	10922N103	582	11	SH		DFND	1	0	0	11
Bristol Myers Squibb CO	Com	110122108	2,516,909	49,053	SH		SOLE	0	46,273	660	2,120
Bristol Myers Squibb CO	Com	110122108	2,511,317	48,944	SH		OTR	0	44,565	69	4,310
Bristol-Myers Squibb Co.	COM	110122108	31,396	611	SH		DFND	1	241	0	370
Broadcom Inc	Com	11135F101	446,500	400	SH		SOLE	0	400	0	0
Broadcom Inc	Com	11135F101	1,419,870	1,272	SH		OTR	0	1,260	0	12
Brookfield Asset Mgmt Inc Cl A	Com	113004105	1,292,148	32,167	SH		OTR	0	32,167	0	0
Brookfield Renewable Corporation	COM	11284V105	2,476	86	SH		DFND	1	0	0	86
Brown Forman Corp	Com	115637209	544,734	9,540	SH		OTR	0	9,540	0	0
Builders Firstsource	COM	12008R107	333,880	2,000	SH		DFND	1	0	0	2,000
Cadence Design System Inc	Com	127387108	360,890	1,325	SH		SOLE	0	1,325	0	0
Canadian National Railway Comp	Com	136375102	12,689	101	SH		SOLE	0	101	0	0
Canadian National Railway Comp	Com	136375102	2,488,730	19,810	SH		OTR	0	19,810	0	0
Canadian Pacific Kansas City L	Com	13646K108	2,293	29	SH		SOLE	0	29	0	0
Canadian Pacific Kansas City L	Com	13646K108	287,937	3,642	SH		OTR	0	3,642	0	0
Capital Southwest Corp	COM	140501107	607	26	SH		DFND	1	0	0	26
Cardinal Health Inc	Com	14149Y108	178,114	1,767	SH		SOLE	0	1,767	0	0
Cardinal Health Inc	Com	14149Y108	83,160	825	SH		OTR	0	825	0	0
Carrier Global Corp	COM	14448C104	7,124	124	SH		DFND	1	0	0	124
Carrier Global Corporation	Com	14448C104	1,167,212	20,317	SH		SOLE	0	19,523	100	694
Carrier Global Corporation	Com	14448C104	2,192,981	38,172	SH		OTR	0	36,367	1,066	739
Caterpillar Inc	Com	149123101	3,460,817	11,705	SH		SOLE	0	10,817	0	888
Caterpillar Inc	Com	149123101	6,835,003	23,117	SH		OTR	0	22,547	30	540
Caterpillar Inc	COM	149123101	3,721,418	12,586	SH		DFND	1	12,396	0	190
Chargepoint Hldgs Inc	COM	15961R105	456	195	SH		DFND	1	0	0	195
Charles Schwab Corp	Com	808513105	284,006	4,128	SH		SOLE	0	4,128	0	0
Charles Schwab Corp	Com	808513105	252,221	3,666	SH		OTR	0	3,666	0	0
Chevron Corp.	COM	166764100	49,569	332	SH		DFND	1	34	0	298
Chevron Corporation	Com	166764100	6,209,457	41,630	SH		SOLE	0	39,371	299	1,960
Chevron Corporation	Com	166764100	7,528,702	50,474	SH		OTR	0	48,473	360	1,641
Chewy Inc	COM	16679L109	3,545	150	SH		DFND	1	0	0	150
Chimera Investment	COM	16934Q208	998	200	SH		DFND	1	0	0	200
Chipotle Mexican Grill Inc	Com	169656105	363,627	159	SH		SOLE	0	159	0	0
Chipotle Mexican Grill Inc	Com	169656105	41,165	18	SH		OTR	0	18	0	0
Chubb Ltd	Com	H1467J104	74,806	331	SH		SOLE	0	331	0	0
Chubb Ltd	Com	H1467J104	2,041,684	9,034	SH		OTR	0	8,865	30	139
Cigna Group	Com	125523100	281,184	939	SH		SOLE	0	902	0	37
Cigna Group	Com	125523100	90,733	303	SH		OTR	0	303	0	0
Cisco Systems Inc	Com	17275R102	3,844,764	76,104	SH		SOLE	0	71,599	0	4,505
Cisco Systems Inc	Com	17275R102	5,773,122	114,274	SH		OTR	0	111,322	710	2,242
Cisco Systems, Inc.	COM	17275R102	67,987	1,345	SH		DFND	1	25	0	1,320
Citigroup Inc	Com	172967424	259,258	5,040	SH		SOLE	0	5,040	0	0
Citigroup Inc	Com	172967424	308,589	5,999	SH		OTR	0	5,999	0	0
Citigroup, Inc.	COM	172967424	33,436	650	SH		DFND	1	0	0	650
Citizens Financial Group, Inc.	COM	174610105	36,653	1,106	SH		DFND	1	0	0	1,106
Citizens Finl Svcs	COM	174615104	76,887	1,188	SH		DFND	1	0	0	1,188
Clearway Energy Inc	COM	18539C204	63,994	2,333	SH		DFND	1	0	0	2,333
Clorox Co	COM	189054109	14,402	101	SH		DFND	1	0	0	101
Clorox Company	Com	189054109	531,005	3,724	SH		SOLE	0	3,724	0	0
Clorox Company	Com	189054109	265,217	1,860	SH		OTR	0	1,375	0	485
CME Group Inc.	Com	12572Q105	254,194	1,207	SH		SOLE	0	1,207	0	0
CME Group Inc.	Com	12572Q105	42,752	203	SH		OTR	0	163	40	0
Coca Cola CO	Com	191216100	2,744,311	46,569	SH		SOLE	0	40,982	603	4,984
Coca Cola CO	Com	191216100	5,067,155	85,986	SH		OTR	0	81,097	84	4,805
Cohen & Steers Quality Income Re	COM	19247L106	1,224	100	SH		DFND	1	0	0	100
Coinbase Global Inc	COM	19260Q107	26,088	150	SH		DFND	1	0	0	150
Colgate Palmolive CO	Com	194162103	1,039,100	13,036	SH		SOLE	0	11,250	336	1,450
Colgate Palmolive CO	Com	194162103	367,065	4,605	SH		OTR	0	3,155	0	1,450
Colgate-Palmolive Co	COM	194162103	31,007	389	SH		DFND	1	0	0	389
ComCast Corp-Cl A	Com	20030N101	1,057,267	24,111	SH		SOLE	0	22,001	0	2,110
ComCast Corp-Cl A	Com	20030N101	581,451	13,260	SH		OTR	0	11,174	913	1,173
Comcast Corporation	COM	20030N101	38,150	870	SH		DFND	1	0	0	870
Commonwealth 6.5 PFD Series D C	COM	294628201	2,513	100	SH		DFND	1	0	0	100
Communication Services Select	Com	81369Y852	119,017	1,638	SH		SOLE	0	1,638	0	0
Communication Services Select	Com	81369Y852	87,919	1,210	SH		OTR	0	930	280	0
Conmed Corp	COM	207410101	11,170	102	SH		DFND	1	0	0	102
Conocophillips	Com	20825C104	895,828	7,718	SH		SOLE	0	7,687	31	0
Conocophillips	Com	20825C104	472,405	4,070	SH		OTR	0	3,920	150	0
Conocophillips	COM	20825C104	16,482	142	SH		DFND	1	0	0	142
Consolidated Edison Inc.	COM	209115104	173,480	1,907	SH		DFND	1	0	0	1,907
Constellation Brands Inc	Com	21036P108	261,332	1,081	SH		OTR	0	1,081	0	0
Consumer Discretionary Selt	Com	81369Y407	1,614,297	9,028	SH		SOLE	0	7,198	0	1,830
Consumer Discretionary Selt	Com	81369Y407	212,963	1,191	SH		OTR	0	726	355	110
Consumer Staples Select Sector	Com	81369Y308	551,813	7,661	SH		SOLE	0	6,323	0	1,338
Consumer Staples Select Sector	Com	81369Y308	44,298	615	SH		OTR	0	130	305	180
Corning Inc	Com	219350105	277,217	9,104	SH		SOLE	0	9,104	0	0
Corning Inc	Com	219350105	226,853	7,450	SH		OTR	0	4,900	700	1,850
Corning Inc.	COM	219350105	220,263	7,234	SH		DFND	1	0	0	7,234
Corteva Inc	COM	22052L104	9,919	207	SH		DFND	1	0	0	207
Corteva Inc Com	Com	22052L104	188,565	3,935	SH		SOLE	0	3,844	0	91
Corteva Inc Com	Com	22052L104	463,243	9,667	SH		OTR	0	9,667	0	0
Costco Wholesale Corp	Com	22160K105	1,462,077	2,215	SH		SOLE	0	2,215	0	0
Costco Wholesale Corp	Com	22160K105	11,126,308	16,856	SH		OTR	0	16,172	0	684
Costco Wholesale Corporation	COM	22160K105	108,913	165	SH		DFND	1	0	0	165
Crown Castle Inc	Com	22822V101	102,519	890	SH		SOLE	0	890	0	0
Crown Castle Inc	Com	22822V101	1,537,787	13,350	SH		OTR	0	13,230	0	120
Csx Corp	Com	126408103	283,531	8,178	SH		SOLE	0	8,178	0	0
Csx Corp	Com	126408103	250,664	7,230	SH		OTR	0	7,230	0	0
Cummins Inc	Com	231021106	162,428	678	SH		SOLE	0	678	0	0
Cummins Inc	Com	231021106	149,731	625	SH		OTR	0	600	25	0
CVS Health Corp	Com	126650100	2,865,876	36,295	SH		SOLE	0	35,215	0	1,080
CVS Health Corp	Com	126650100	1,189,927	15,070	SH		OTR	0	13,422	267	1,381
Danaher Corp	Com	235851102	3,789,581	16,381	SH		SOLE	0	14,461	0	1,920
Danaher Corp	Com	235851102	9,214,272	39,830	SH		OTR	0	38,540	120	1,170
Deere & CO	Com	244199105	2,925,992	7,317	SH		SOLE	0	6,529	25	763
Deere & CO	Com	244199105	12,161,246	30,413	SH		OTR	0	30,179	70	164
Deere & Company	COM	244199105	4,119	10	SH		DFND	1	0	0	10
Deutsche Bank Ag ADR	Com	D18190898	136,190	10,000	SH		SOLE	0	10,000	0	0
Diageo Plc	COM	25243Q205	6,992	48	SH		DFND	1	0	0	48
Dicks Sporting Goods Inc	Com	253393102	617,384	4,201	SH		SOLE	0	3,461	0	740
Dicks Sporting Goods Inc	Com	253393102	37,178	253	SH		OTR	0	253	0	0
Dick's Sporting Goods Inc.	COM	253393102	15,374	105	SH		DFND	1	0	0	105
Digital Realty Trust Inc REIT	Com	253868103	244,128	1,814	SH		SOLE	0	1,814	0	0
Digital World Acquisitio	COM	25400Q105	9,030	516	SH		DFND	1	0	0	516
Dimensional Intern Core	COM	25434V203	20,649	721	SH		DFND	1	0	0	721
Dimensional U.S. Equity ETF	COM	25434V401	2,012,559	38,830	SH		DFND	1	0	0	38,830
Dimensional World ex U.S. Core E	COM	25434V880	604,419	24,751	SH		DFND	1	0	0	24,751
Disney Walt CO New	Com	254687106	3,220,373	35,667	SH		SOLE	0	34,450	0	1,217
Disney Walt CO New	Com	254687106	3,896,465	43,155	SH		OTR	0	41,077	519	1,559
DNP Select Income Fund Inc	COM	23325P104	22,328	2,633	SH		DFND	1	0	0	2,633
Dominion Resources Inc	Com	25746U109	578,100	12,300	SH		SOLE	0	11,990	0	310
Dominion Resources Inc	Com	25746U109	394,377	8,391	SH		OTR	0	6,091	0	2,300
Dominion Resources, Inc.	COM	25746U109	97,196	2,068	SH		DFND	1	30	0	2,038
Dover Corp	Com	260003108	151,349	984	SH		SOLE	0	584	0	400
Dover Corp	Com	260003108	69,215	450	SH		OTR	0	450	0	0
Dow Inc Com	Com	260557103	1,046,128	19,076	SH		SOLE	0	18,985	0	91
Dow Inc Com	Com	260557103	1,160,085	21,154	SH		OTR	0	19,396	0	1,758
DTE Energy Co	Com	233331107	295,938	2,684	SH		SOLE	0	2,684	0	0
Duke Energy Corp	Com	26441C204	406,695	4,191	SH		SOLE	0	3,906	285	0
Duke Energy Corp	Com	26441C204	145,754	1,502	SH		OTR	0	1,502	0	0
Dupont De Nemours Inc	Com	26614N102	1,140,026	14,819	SH		SOLE	0	14,728	0	91
Dupont De Nemours Inc	Com	26614N102	975,395	12,679	SH		OTR	0	11,800	34	845
Dutch Bros Inc	COM	26701L100	1,584	50	SH		DFND	1	0	0	50
E3 Lithium Ltd	COM	26925V108	830	500	SH		DFND	1	0	0	500
Eaton Corp PLC	Com	G29183103	1,232,035	5,116	SH		SOLE	0	5,116	0	0
Eaton Corp PLC	Com	G29183103	1,484,414	6,164	SH		OTR	0	5,299	0	865
Eaton Corp Plc	COM	G29183103	15,172	63	SH		DFND	1	0	0	63
Eaton Vance Tax Man Gl D	COM	27829F108	6,176	800	SH		DFND	1	0	0	800
Ecolab Inc	Com	278865100	1,152,017	5,808	SH		SOLE	0	5,808	0	0
Ecolab Inc	Com	278865100	1,012,378	5,104	SH		OTR	0	4,654	0	450
EI DuPont de Nemours & Co.	COM	26614N102	15,925	207	SH		DFND	1	0	0	207
Emerson Elec CO	Com	291011104	1,319,600	13,558	SH		SOLE	0	13,558	0	0
Emerson Elec CO	Com	291011104	555,365	5,706	SH		OTR	0	5,706	0	0
Enbridge Incorporated	Com	29250N105	374,356	10,393	SH		SOLE	0	10,393	0	0
Enbridge Incorporated	Com	29250N105	86,160	2,392	SH		OTR	0	2,392	0	0
Energy Select Sector SPDR	Com	81369Y506	970,568	11,576	SH		SOLE	0	10,180	0	1,396
Energy Select Sector SPDR	Com	81369Y506	206,582	2,464	SH		OTR	0	2,244	80	140
Energy Select Sector SPDR	COM	81369Y506	12,576	150	SH		DFND	1	0	0	150
Enterprise Prods Partners LP	Com	293792107	55,072	2,090	SH		SOLE	0	2,090	0	0
Enterprise Prods Partners LP	Com	293792107	424,235	16,100	SH		OTR	0	16,100	0	0
Eog Res Inc	Com	26875P101	124,941	1,033	SH		SOLE	0	1,033	0	0
Eog Res Inc	Com	26875P101	294,513	2,435	SH		OTR	0	2,435	0	0
Etsy, Inc.	COM	29786A106	8,105	100	SH		DFND	1	0	0	100
Exelon Corp	Com	30161N101	138,897	3,869	SH		SOLE	0	3,869	0	0
Exelon Corp	Com	30161N101	66,738	1,859	SH		OTR	0	1,509	0	350
Exxon Mobil Corporation	COM	30231G102	750,464	7,506	SH		DFND	1	146	0	7,360
Exxonmobil Corp	Com	30231G102	9,087,282	90,891	SH		SOLE	0	87,201	569	3,121
Exxonmobil Corp	Com	30231G102	9,030,993	90,328	SH		OTR	0	86,685	660	2,983
Fastenal CO	Com	311900104	758,781	11,715	SH		OTR	0	11,715	0	0
Fedex Corporation	Com	31428X106	205,665	813	SH		SOLE	0	813	0	0
Fedex Corporation	Com	31428X106	34,404	136	SH		OTR	0	136	0	0
FedEx Corporation	COM	31428X106	12,649	50	SH		DFND	1	0	0	50
Fidelity MSCI Health Care Index	COM	316092600	1,811	28	SH		DFND	1	0	0	28
Financial Select Sector SPDR	Com	81369Y605	1,163,570	30,946	SH		SOLE	0	28,257	0	2,689
Financial Select Sector SPDR	Com	81369Y605	45,496	1,210	SH		OTR	0	1,010	200	0
First Solar Inc	Com	336433107	391,937	2,275	SH		OTR	0	2,275	0	0
First Solar Inc	COM	336433107	5,858	34	SH		DFND	1	0	0	34
First Trust DW Dynamic Focus 5	COM	33738R878	562,472	17,161	SH		DFND	1	0	0	17,161
First Trust DW Focus 5	COM	33738R605	1,634,599	31,709	SH		DFND	1	0	0	31,709
First Trust DW Int'l Focus	COM	33738R886	10,630	544	SH		DFND	1	0	0	544
First Trust Enhanced Short Matur	COM	33739Q408	548,932	9,201	SH		DFND	1	0	0	9,201
First Trust ISE Water Index Fd	COM	33733B100	477,403	5,036	SH		DFND	1	0	0	5,036
First Trust Low Duration	COM	33739Q200	462,422	9,570	SH		DFND	1	0	0	9,570
First TRUST Mlp And Ener	COM	33739B104	9,153	1,068	SH		DFND	1	0	0	1,068
First Trust Morningstar Div	COM	336917109	14,352	400	SH		DFND	1	0	0	400
First Trust NASDAQ Cln EdgeSt	COM	33737A108	81,150	775	SH		DFND	1	0	0	775
First Trust No Am Energy Infras	COM	33738D101	11,076	400	SH		DFND	1	0	0	400
First TRUST Preferred	COM	33739E108	94,500	5,605	SH		DFND	1	0	0	5,605
First Trust Rising Dividend	COM	33738R506	864,181	16,725	SH		DFND	1	0	0	16,725
First Trust Senior Loan	COM	33738D309	351,929	7,639	SH		DFND	1	0	0	7,639
First Trust Small Cap AlphaDEX	COM	33734Y109	23,531	257	SH		DFND	1	0	0	257
First Trust Value Line Div Index	COM	33734H106	955,796	23,565	SH		DFND	1	0	0	23,565
FirstTrust NASDAQ Clean Edge Gre	COM	33733E500	1,476	35	SH		DFND	1	0	0	35
Fiserv Inc	Com	337738108	645,868	4,862	SH		SOLE	0	4,862	0	0
Fiserv Inc	Com	337738108	307,525	2,315	SH		OTR	0	2,315	0	0
FLAHERTY CRUMRINE TOTAL	COM	338479108	1,410	30	SH		DFND	1	30	0	0
Flexshares Disciplined Duratio	Com	33939L779	345,202	16,790	SH		SOLE	0	16,790	0	0
FlexShares Global Quality Real	Com	33939L787	730,150	13,090	SH		SOLE	0	13,090	0	0
FlexShares Global Quality Real	Com	33939L787	20,081	360	SH		OTR	0	360	0	0
FlexShares Global Quality Real E	COM	33939L787	4,183	75	SH		DFND	1	0	0	75
FlexShares International Quali	Com	33939L837	338,128	14,525	SH		SOLE	0	14,525	0	0
FlexShares Mstar Glbl Upstrm N	Com	33939L407	43,129,359	1,053,220	SH		SOLE	0	1,049,199	0	4,021
FlexShares Mstar Glbl Upstrm N	Com	33939L407	3,420,144	83,520	SH		OTR	0	80,630	340	2,550
FlexShares STOXX Glbl Brd Infr	Com	33939L795	5,762,432	107,709	SH		SOLE	0	107,709	0	0
FlexShares STOXX Glbl Brd Infr	Com	33939L795	972,095	18,170	SH		OTR	0	17,930	0	240
FlexShares STOXX Global Broad In	COM	33939L795	4,066	76	SH		DFND	1	0	0	76
Flexshares Upstream	COM	33939L407	8,927	218	SH		DFND	1	0	0	218
Ford Motor Co.	COM	345370860	34,193	2,805	SH		DFND	1	0	0	2,805
Fortive Corp	Com	34959J108	287,967	3,911	SH		SOLE	0	3,611	0	300
Fortive Corp	Com	34959J108	1,614,411	21,926	SH		OTR	0	20,947	50	929
Freeport-McMoran Inc	Com	35671D857	380,491	8,938	SH		SOLE	0	8,938	0	0
Freeport-McMoran Inc	Com	35671D857	346,903	8,149	SH		OTR	0	6,365	59	1,725
Gabelli Dividend & Incom	COM	36242H104	7,639	353	SH		DFND	1	0	0	353
Ge Healthcare Technologi	COM	36266G107	24,515	317	SH		DFND	1	58	0	259
GE Healthcare Technologies Inc	Com	36266G107	193,687	2,505	SH		SOLE	0	2,505	0	0
GE Healthcare Technologies Inc	Com	36266G107	34,407	445	SH		OTR	0	445	0	0
General Dynamics Corp	Com	369550108	1,509,981	5,815	SH		SOLE	0	5,665	0	150
General Dynamics Corp	Com	369550108	404,826	1,559	SH		OTR	0	1,540	19	0
General Dynamics Corp.	COM	369550108	15,061	58	SH		DFND	1	0	0	58
General Electric Co New	Com	369604301	1,177,004	9,222	SH		SOLE	0	8,868	0	354
General Electric Co New	Com	369604301	360,682	2,826	SH		OTR	0	2,817	0	9
General Electric Co.	COM	369604301	557,898	437	SH		DFND	1	78	0	359
General Mls Inc	Com	370334104	621,696	9,544	SH		SOLE	0	9,046	0	498
General Mls Inc	Com	370334104	348,825	5,355	SH		OTR	0	4,810	0	545
General Motors Company	COM	37045V100	1,796	50	SH		DFND	1	0	0	50
Genuine Parts CO	Com	372460105	311,625	2,250	SH		SOLE	0	2,250	0	0
Genuine Parts Co	COM	372460105	11,634	84	SH		DFND	1	0	0	84
Gerdau S.A.	COM	373737105	1,271	262	SH		DFND	1	0	0	262
Gilead Sciences Inc	Com	375558103	379,775	4,688	SH		SOLE	0	4,688	0	0
Gilead Sciences Inc	Com	375558103	454,304	5,608	SH		OTR	0	5,548	60	0
Global X Lithium Battery	COM	37954Y855	33,162	651	SH		DFND	1	0	0	651
Global X U.S. Infrastructure Dev	COM	37954Y673	69	2	SH		DFND	1	0	0	2
Global X US Preferred ETF	Com	37954Y657	232,800	12,000	SH		OTR	0	12,000	0	0
Goldman Sachs Group Inc	Com	38141G104	1,401,888	3,634	SH		SOLE	0	3,614	20	0
Goldman Sachs Group Inc	Com	38141G104	1,448,181	3,754	SH		OTR	0	3,754	0	0
Goldman Sachs Group Inc	COM	38141G104	13,888	36	SH		DFND	1	0	0	36
Golub Cap Bdc Inc	Com	38173M102	185,730	12,300	SH		SOLE	0	12,300	0	0
GOODYEAR TIRE RUBBER	COM	382550101	10,096	705	SH		DFND	1	705	0	0
Grainger W W Inc	Com	384802104	2,530,819	3,054	SH		SOLE	0	3,054	0	0
Grainger W W Inc	Com	384802104	1,124,532	1,357	SH		OTR	0	673	100	584
Graphic Packaging Holding Compan	COM	388689101	6,631	269	SH		DFND	1	0	0	269
Greenpower Motor Co	COM	39540E302	1,114	356	SH		DFND	1	0	0	356
GSK PLC Sponsored ADR	Com	37733W204	302,373	8,159	SH		SOLE	0	8,159	0	0
GSK PLC Sponsored ADR	Com	37733W204	129,117	3,484	SH		OTR	0	2,884	0	600
Gxo Logistics Inc	COM	36262G101	7,890	129	SH		DFND	1	0	0	129
HARLEY DAVIDSON INC	COM	412822108	1,020	27	SH		DFND	1	27	0	0
Health Care Select Sector SPDR	Com	81369Y209	1,275,065	9,349	SH		SOLE	0	8,822	0	527
Health Care Select Sector SPDR	Com	81369Y209	20,457	150	SH		OTR	0	150	0	0
Hershey Co.	COM	427866108	156,982	842	SH		DFND	1	0	0	842
Home Depot Inc	Com	437076102	2,002,541	5,779	SH		SOLE	0	5,481	0	298
Home Depot Inc	Com	437076102	3,931,956	11,346	SH		OTR	0	10,346	150	850
Honda Motor Co Ltd	COM	438128308	20,092	650	SH		DFND	1	0	0	650
Honeywell International Inc	Com	438516106	4,691,842	22,373	SH		SOLE	0	21,458	0	915
Honeywell International Inc	Com	438516106	2,123,943	10,128	SH		OTR	0	9,129	220	779
Honeywell Intl Inc	COM	438516106	10,486	50	SH		DFND	1	0	0	50
Hormel Foods Corp	COM	440452100	9,858	307	SH		DFND	1	0	0	307
Hubbell Inc	Com	443510607	789,432	2,400	SH		SOLE	0	2,400	0	0
IBERDROLA S A FSPONSORED ADR 1 ADR REPS 4 ORD SHS	COM	450737101	2,625	286	SH		DFND	1	286	0	0
iCAD, Inc.	COM	44934S206	535	302	SH		DFND	1	0	0	302
IDEXX Laboratories, Inc.	COM	45168D104	6,661	12	SH		DFND	1	0	0	12
Illinois Tool Wks Inc	Com	452308109	512,093	1,955	SH		SOLE	0	1,955	0	0
Illinois Tool Wks Inc	Com	452308109	274,251	1,047	SH		OTR	0	1,047	0	0
Illinois Tool Works Inc.	COM	452308109	16,240	62	SH		DFND	1	0	0	62
Industrial Select Sector SPDR	Com	81369Y704	1,091,817	9,578	SH		SOLE	0	9,319	0	259
Industrial Select Sector SPDR	Com	81369Y704	59,845	525	SH		OTR	0	435	0	90
Ingersoll Rand Inc	Com	45687V106	153,984	1,991	SH		SOLE	0	1,991	0	0
Ingersoll Rand Inc	Com	45687V106	5,024,470	64,966	SH		OTR	0	64,966	0	0
Ingevity Corp	COM	45688C107	331	7	SH		DFND	1	0	0	7
Intel Corp	Com	458140100	3,317,706	66,024	SH		SOLE	0	63,621	903	1,500
Intel Corp	Com	458140100	1,381,322	27,489	SH		OTR	0	25,349	1,015	1,125
Intercontinental Exchange Inc	Com	45866F104	887,194	6,908	SH		SOLE	0	6,908	0	0
Intercontinental Exchange Inc	Com	45866F104	55,225	430	SH		OTR	0	430	0	0
Intl Business Machines Corp.	COM	459200101	501,190	3,064	SH		DFND	1	164	0	2,900
Intl. Business Machines Corp	Com	459200101	3,354,407	20,510	SH		SOLE	0	18,420	395	1,695
Intl. Business Machines Corp	Com	459200101	3,454,667	21,123	SH		OTR	0	19,632	0	1,491
Intuit	Com	461202103	28,126	45	SH		SOLE	0	45	0	0
Intuit	Com	461202103	654,406	1,047	SH		OTR	0	1,047	0	0
Intuitive Surgical	COM	46120E602	31,374	93	SH		DFND	1	0	0	93
Intuitive Surgical Inc	Com	46120E602	15,519	46	SH		SOLE	0	46	0	0
Intuitive Surgical Inc	Com	46120E602	490,184	1,453	SH		OTR	0	1,453	0	0
Invesco Exchange Traded Fd Tr	Com	46137V357	517,111	3,277	SH		SOLE	0	3,277	0	0
Invesco QQQ Trust	COM	46090E103	23,343	57	SH		DFND	1	0	0	57
Invesco S&P 500 Low Volatility E	COM	46138E354	67,610	1,079	SH		DFND	1	0	0	1,079
Invesco SP 500 Low Volatility	Com	46138E354	218,871	3,493	SH		SOLE	0	3,493	0	0
Invsc Variable Rate	COM	46138G870	10,848	470	SH		DFND	1	0	0	470
Ionis Pharmaceuticals Inc	Com	462222100	862,560	17,050	SH		OTR	0	17,050	0	0
IQVIA Holdings Inc	Com	46266C105	1,599,993	6,915	SH		OTR	0	6,915	0	0
Ishar Tru Esg Awr Usd	COM	46435G193	11,914	512	SH		DFND	1	0	0	512
Ishares 0 To 3 Mnth	COM	46436E718	1,805	18	SH		DFND	1	0	0	18
iShares 0-5 Year High Yield Corp	COM	46434V407	32,425	768	SH		DFND	1	0	0	768
iShares 0-5 Year TIPS Bond ETF	COM	46429B747	7,098	72	SH		DFND	1	0	0	72
IShares 0-5 Yr TIPs ETF	Com	46429B747	5,244,495	53,195	SH		SOLE	0	53,195	0	0
IShares 0-5 Yr TIPs ETF	Com	46429B747	1,213,249	12,306	SH		OTR	0	11,430	265	611
Ishares 10-20 Year Tsury	COM	464288653	170,834	1,578	SH		DFND	1	0	0	1,578
iShares 1-3 Year Treasury Bond	COM	464287457	8,450	103	SH		DFND	1	0	0	103
Ishares 1-3 Year Treasury ETF	Com	464287457	2,163,395	26,370	SH		SOLE	0	26,370	0	0
iShares 20 Year Treasury Bond	COM	464287432	46,375	469	SH		DFND	1	0	0	469
Ishares 3-7 Year Treasury Bond	Com	464288661	1,081,110	9,230	SH		SOLE	0	9,230	0	0
Ishares 5-10 Yr Inv Gr Corp Bd	Com	464288638	220,064	4,232	SH		SOLE	0	4,232	0	0
Ishares 5-10 Yr Inv Gr Corp Bd	Com	464288638	166,400	3,200	SH		OTR	0	3,200	0	0
Ishares Barclays 7-10 Year Tr	Com	464287440	259,771	2,695	SH		SOLE	0	2,695	0	0
Ishares Barclays Mbs Bond ETF	Com	464288588	752,170	7,995	SH		SOLE	0	7,995	0	0
Ishares Barclays TIPS Bond ETF	Com	464287176	228,094	2,122	SH		SOLE	0	2,122	0	0
Ishares Barclays TIPS Bond ETF	Com	464287176	21,498	200	SH		OTR	0	200	0	0
IShares Broad USD High Yield C	Com	46435U853	185,022	5,090	SH		SOLE	0	5,090	0	0
IShares Broad USD High Yield C	Com	46435U853	39,258	1,080	SH		OTR	0	1,080	0	0
iShares Broad USD High Yield Corporate Bond ETF	COM	46435U853	4,289	118	SH		DFND	1	0	0	118
iShares Convertible Bond ETF	COM	46435G102	85,585	1,089	SH		DFND	1	0	0	1,089
iShares Core Aggressive ETF	COM	464289859	47,161	683	SH		DFND	1	0	0	683
Ishares Core Emerging Markets	Com	46434G103	2,705,625	53,492	SH		SOLE	0	53,492	0	0
Ishares Core Emerging Markets	Com	46434G103	857,179	16,947	SH		OTR	0	16,222	725	0
iShares Core Growth ETF	COM	464289867	3,517,455	66,130	SH		DFND	1	0	0	66,130
Ishares Core High	COM	46429B663	191,129	1,874	SH		DFND	1	0	0	1,874
iShares Core High Dividend ETF	Com	46429B663	887,415	8,701	SH		SOLE	0	8,701	0	0
iShares Core Intl Aggregate Bond	COM	46435G672	1,643	33	SH		DFND	1	0	0	33
IShares Core Intnl Agg Bond ET	Com	46435G672	555,868	11,162	SH		SOLE	0	11,162	0	0
IShares Core Intnl Agg Bond ET	Com	46435G672	61,752	1,240	SH		OTR	0	1,240	0	0
iShares Core Moderate Allocation	COM	464289875	3,113	75	SH		DFND	1	0	0	75
Ishares Core Msci Eafe ETF	Com	46432F842	7,017,835	99,756	SH		SOLE	0	99,706	0	50
Ishares Core Msci Eafe ETF	Com	46432F842	1,643,446	23,361	SH		OTR	0	23,361	0	0
iShares Core MSCI EM ETF	COM	46434G103	164,385	3,250	SH		DFND	1	0	0	3,250
iShares Core MSCI Total Int'l St	COM	46432F834	3,187,673	49,094	SH		DFND	1	0	0	49,094
iShares Core S&P 500	COM	464287200	3,200,599	6,701	SH		DFND	1	0	0	6,701
Ishares Core S&P 500 ETF	Com	464287200	482,884	1,011	SH		SOLE	0	1,011	0	0
Ishares Core S&P 500 ETF	Com	464287200	105,556	221	SH		OTR	0	221	0	0
iShares Core S&P Mid-Cap	COM	464287507	52,936	191	SH		DFND	1	0	0	191
Ishares Core S&P Mid-Cap ETF	Com	464287507	2,232,166	8,054	SH		SOLE	0	8,054	0	0
Ishares Core S&P Mid-Cap ETF	Com	464287507	1,115,252	4,024	SH		OTR	0	3,879	0	145
iShares Core S&P Small-Cap	COM	464287804	106,843	987	SH		DFND	1	0	0	987
Ishares Core S&P Small-Cap ETF	Com	464287804	794,880	7,343	SH		SOLE	0	7,343	0	0
Ishares Core S&P Small-Cap ETF	Com	464287804	70,038	647	SH		OTR	0	647	0	0
Ishares Core S&P US	COM	464287671	9,285,304	89,196	SH		DFND	1	0	0	89,196
Ishares Core Total U.S. Aggreg	Com	464287226	398,588	4,016	SH		SOLE	0	4,016	0	0
Ishares Core Total U.S. Aggreg	Com	464287226	117,711	1,186	SH		OTR	0	1,186	0	0
iShares Core US Aggregate Bond E	COM	464287226	3,965,335	39,953	SH		DFND	1	0	0	39,953
Ishares DJ Select Dividend ETF	Com	464287168	216,740	1,849	SH		SOLE	0	1,849	0	0
Ishares DJ Select Dividend ETF	Com	464287168	17,583	150	SH		OTR	0	150	0	0
iShares DJ US Consumer Goods	COM	464287812	12,461	65	SH		DFND	1	0	0	65
Ishares DJ US Telcom Sector ET	Com	464287713	490,046	21,531	SH		SOLE	0	21,531	0	0
Ishares DJ US Telcom Sector ET	Com	464287713	471,155	20,701	SH		OTR	0	20,501	200	0
iShares DowJones EPAC Select D	COM	464288448	77,980	2,786	SH		DFND	1	0	0	2,786
iShares Edge MSCI Min Vol USA	COM	46429B697	180,483	1,894	SH		DFND	1	0	0	1,894
iShares Edge MSCI USA Value Fact	COM	46432F388	63,225	625	SH		DFND	1	0	0	625
Ishares Esg Advanced	COM	46436E759	10,349	162	SH		DFND	1	0	0	162
Ishares Esg Advanced	COM	46436E767	18,198	457	SH		DFND	1	0	0	457
iShares ESG Aware MSCI USA ETF	Com	46435G425	201,971	1,925	SH		SOLE	0	1,925	0	0
Ishares Esg Aware US	COM	46435U549	4,917	103	SH		DFND	1	0	0	103
iShares ESG MSCI EM	COM	46434G863	64,697	2,018	SH		DFND	1	0	0	2,018
iShares ESG MSCI USA	COM	46435G425	1,392,079	13,268	SH		DFND	1	0	0	13,268
Ishares Fallen Angels	COM	46435G474	253,387	9,598	SH		DFND	1	0	0	9,598
iShares Global Energy	COM	464287341	665	17	SH		DFND	1	0	0	17
iShares Global Financials ETF	COM	464287333	40,861	520	SH		DFND	1	0	0	520
iShares Global Tech	COM	464287291	63,680	934	SH		DFND	1	0	0	934
Ishares Gold Etf	COM	464285204	2,693	69	SH		DFND	1	0	0	69
iShares GSCI Commodity Dynamic R	COM	46431W853	60,870	2,428	SH		DFND	1	0	0	2,428
Ishares Iboxx High Yield	COM	464288513	4,401,401	56,873	SH		DFND	1	0	0	56,873
Ishares IBoxx High Yield Corpo	Com	464288513	2,254,061	29,126	SH		SOLE	0	29,126	0	0
Ishares IBoxx High Yield Corpo	Com	464288513	683,508	8,832	SH		OTR	0	8,832	0	0
iShares iBoxx InvGrade Corp Bd	COM	464287242	413,204	3,734	SH		DFND	1	0	0	3,734
iShares International Treasury B	COM	464288117	41	1	SH		DFND	1	0	0	1
iShares J.P. Morgan USD Emerging	COM	464288281	49,874	560	SH		DFND	1	0	0	560
iShares KLD 400 Social Index	COM	464288570	372,395	4,090	SH		DFND	1	0	0	4,090
Ishares Mbs Etf IV	COM	464288588	405,391	4,309	SH		DFND	1	0	0	4,309
Ishares Morgstar Mid Cap	COM	464288307	106,471	1,652	SH		DFND	1	0	0	1,652
iShares MSCI Brazil ETF	COM	464286400	1,818	52	SH		DFND	1	0	0	52
iShares MSCI China ETF	COM	46429B671	2,648	65	SH		DFND	1	0	0	65
Ishares Msci Eafe ETF	Com	464287465	4,203,584	55,787	SH		SOLE	0	52,881	0	2,906
Ishares Msci Eafe ETF	Com	464287465	1,673,825	22,214	SH		OTR	0	21,939	200	75
iShares MSCI EAFE Growth	COM	464288885	669,330	6,911	SH		DFND	1	0	0	6,911
Ishares MSCI EAFE Growth ETF	Com	464288885	20,039,166	206,909	SH		SOLE	0	205,056	0	1,853
Ishares MSCI EAFE Growth ETF	Com	464288885	3,775,959	38,988	SH		OTR	0	38,908	0	80
Ishares Msci Eafe Small Cap ET	Com	464288273	2,591,320	41,863	SH		SOLE	0	41,853	0	10
Ishares Msci Eafe Small Cap ET	Com	464288273	484,987	7,835	SH		OTR	0	7,835	0	0
iShares MSCI EAFE Small-Cap	COM	464288273	4,271	69	SH		DFND	1	0	0	69
Ishares Msci Eafe Value	COM	464288877	860,432	16,515	SH		DFND	1	0	0	16,515
Ishares Msci Emerging	COM	46434G764	776	14	SH		DFND	1	0	0	14
Ishares Msci Emerging Mkt ETF	Com	464287234	2,946,423	73,276	SH		SOLE	0	71,533	525	1,218
Ishares Msci Emerging Mkt ETF	Com	464287234	889,799	22,129	SH		OTR	0	21,193	561	375
iShares MSCI Germany ETF	COM	464286806	1,188	40	SH		DFND	1	0	0	40
iShares MSCI South Korea ETF	COM	464286772	1,507	23	SH		DFND	1	0	0	23
iShares MSCI United Kingdom ETF	COM	46435G334	4,197	127	SH		DFND	1	0	0	127
iShares MSCI USA ESG Select ET	Com	464288802	540,040	5,373	SH		SOLE	0	5,373	0	0
Ishares Msci Usa Momntum	COM	46432F396	31,221	199	SH		DFND	1	0	0	199
Ishares Msci Usa Qlty	COM	46432F339	303,697	2,064	SH		DFND	1	0	0	2,064
Ishares Nasdaq Biotech ETF	Com	464287556	2,667,652	19,637	SH		SOLE	0	18,844	96	697
Ishares Nasdaq Biotech ETF	Com	464287556	1,501,143	11,050	SH		OTR	0	9,263	240	1,547
iShares Nasdaq Biotechnology	COM	464287556	20,378	150	SH		DFND	1	0	0	150
Ishares National Muni	COM	464288414	64,070	591	SH		DFND	1	0	0	591
Ishares New York Muni Bond ETF	Com	464288323	3,746,814	69,270	SH		SOLE	0	65,530	0	3,740
Ishares New York Muni Bond ETF	Com	464288323	1,320,445	24,412	SH		OTR	0	21,037	0	3,375
iShares Russell 1000	COM	464287622	787	3	SH		DFND	1	0	0	3
IShares Russell 1000 ETF	Com	464287622	245,213	935	SH		SOLE	0	935	0	0
Ishares Russell 1000 Growth ET	Com	464287614	358,347	1,182	SH		SOLE	0	1,182	0	0
iShares Russell 2000	COM	464287655	147,120	733	SH		DFND	1	0	0	733
Ishares Russell 2000 ETF	Com	464287655	5,695,990	28,379	SH		SOLE	0	26,695	0	1,684
Ishares Russell 2000 ETF	Com	464287655	953,674	4,752	SH		OTR	0	4,617	100	35
Ishares Russell 2000 Growth ET	Com	464287648	280,721	1,113	SH		SOLE	0	1,113	0	0
Ishares Russell 2000 Growth ET	Com	464287648	616,426	2,444	SH		OTR	0	2,354	90	0
Ishares Russell 2000 Value ETF	Com	464287630	344,367	2,217	SH		SOLE	0	2,217	0	0
Ishares Russell 2000 Value ETF	Com	464287630	154,553	995	SH		OTR	0	830	165	0
Ishares Russell Mid Cap ETF	Com	464287499	186,319	2,397	SH		SOLE	0	2,397	0	0
Ishares Russell Mid Cap ETF	Com	464287499	24,874	320	SH		OTR	0	320	0	0
Ishares Russell Midcap Growth	Com	464287481	642,116	6,147	SH		OTR	0	6,147	0	0
Ishares Russell MidCap Value	Com	464287473	115,709	995	SH		SOLE	0	995	0	0
Ishares Russell MidCap Value	Com	464287473	135,245	1,163	SH		OTR	0	1,163	0	0
IShares Russell Top 200 Growth	Com	464289438	303,131	1,730	SH		SOLE	0	1,730	0	0
Ishares S&P 100 Etf	COM	464287101	1,564	7	SH		DFND	1	0	0	7
Ishares S&P 500 Growth	COM	464287309	22,455	299	SH		DFND	1	0	0	299
Ishares S&P 500 Growth ETF	Com	464287309	495,285	6,595	SH		SOLE	0	6,595	0	0
Ishares S&P 500 Growth ETF	Com	464287309	21,704	289	SH		OTR	0	289	0	0
Ishares S&P 500 Value ETF	Com	464287408	696,777	4,007	SH		SOLE	0	4,007	0	0
Ishares S&P Midcap 400/Grwth E	Com	464287606	301,511	3,806	SH		SOLE	0	3,806	0	0
Ishares S&P Pref Stk ETF	Com	464288687	1,995,193	63,969	SH		SOLE	0	63,969	0	0
Ishares S&P Pref Stk ETF	Com	464288687	281,303	9,019	SH		OTR	0	5,839	0	3,180
Ishares S&P Small Cap	COM	464287879	106,471	1,033	SH		DFND	1	0	0	1,033
Ishares S&P Smallcap/600 Growt	Com	464287887	231,509	1,850	SH		SOLE	0	1,850	0	0
Ishares S&P Smallcap/600 Growt	Com	464287887	113,001	903	SH		OTR	0	903	0	0
Ishares S&P Smll Cap 600	COM	464287887	2,932,906	23,437	SH		DFND	1	0	0	23,437
iShares Short-Term Corporate Bon	COM	464288646	126,085	2,459	SH		DFND	1	0	0	2,459
iShares Silver Trust	COM	46428Q109	3,376	155	SH		DFND	1	0	0	155
iShares TIPS Bond ETF	COM	464287176	3,519,223	32,740	SH		DFND	1	0	0	32,740
Ishares Total Usd Bond	COM	46434V613	2,199,059	47,733	SH		DFND	1	0	0	47,733
Ishares Tr 10 Yr Invst Grd	Com	464289511	497,130	9,435	SH		SOLE	0	9,435	0	0
iShares TR 1-5 Yr Inv Gr Corp	Com	464288646	679,804	13,258	SH		SOLE	0	13,258	0	0
iShares TR 1-5 Yr Inv Gr Corp	Com	464288646	13,619,871	265,624	SH		OTR	0	256,954	0	8,670
iShares Tr Intrm Gov Cr ETF	Com	464288612	1,190,597	11,365	SH		SOLE	0	11,365	0	0
Ishares Tr Rus 1000 Val ETF	Com	464287598	227,219	1,375	SH		SOLE	0	1,375	0	0
Ishares Treasury	COM	46434V860	72,929	1,445	SH		DFND	1	0	0	1,445
iShares U.S. Infrastructure ETF	COM	46435U713	105,467	2,619	SH		DFND	1	0	0	2,619
iShares U.S. Medical Devices	COM	464288810	22,667	420	SH		DFND	1	0	0	420
iShares U.S. Treasury Bond	COM	46429B267	867,525	37,653	SH		DFND	1	0	0	37,653
iShares US Energy ETF	COM	464287796	65,077	1,475	SH		DFND	1	0	0	1,475
Ishares US Technology	COM	464287721	171,727	1,399	SH		DFND	1	0	0	1,399
Ishrs 0-5 Year Inv Grd	COM	46434V100	57,958	1,178	SH		DFND	1	0	0	1,178
Ishs Msci Emerg Mrkt Min	COM	464286533	254,491	4,578	SH		DFND	1	0	0	4,578
Jacobs Solutions Inc	Com	46982L108	231,953	1,787	SH		SOLE	0	1,787	0	0
Jacobs Solutions Inc	Com	46982L108	395,890	3,050	SH		OTR	0	1,150	0	1,900
Johnson & Johnson	Com	478160104	9,102,781	58,076	SH		SOLE	0	52,954	0	5,122
Johnson & Johnson	Com	478160104	8,692,330	55,457	SH		OTR	0	51,487	260	3,710
Johnson & Johnson	COM	478160104	458,308	3,054	SH		DFND	1	286	0	2,768
JP Morgan Chase & CO	Com	46625H100	11,733,753	68,981	SH		SOLE	0	67,203	112	1,666
JP Morgan Chase & CO	Com	46625H100	13,812,120	81,200	SH		OTR	0	75,485	544	5,171
JPMorgan BetaBuilders Japan ETF	COM	46641Q217	4,464	85	SH		DFND	1	0	0	85
JPMorgan Chase & Co.	COM	46625H100	343,468	2,019	SH		DFND	1	1,100	0	919
JPMorgan Equity Premium Income E	COM	46641Q332	38,046	692	SH		DFND	1	0	0	692
JPMorgan Municipal ETF	Com	46641Q647	1,385,602	27,190	SH		SOLE	0	27,190	0	0
JPMorgan Municipal ETF	Com	46641Q647	404,877	7,945	SH		OTR	0	7,945	0	0
JPMorgan Ultra-Short Income ET	Com	46641Q837	280,786	5,590	SH		SOLE	0	5,590	0	0
JPMorgan Ultra-Short Income ET	Com	46641Q837	261,899	5,214	SH		OTR	0	5,214	0	0
Kellogg Co	COM	487836108	10,287	184	SH		DFND	1	0	0	184
Kenvue Inc	Com	49177J102	50,402	2,341	SH		SOLE	0	2,341	0	0
Kenvue Inc	Com	49177J102	149,913	6,963	SH		OTR	0	6,963	0	0
KeyCorp	COM	493267108	27,864	1,935	SH		DFND	1	0	0	1,935
Kimberly Clark Corp	Com	494368103	652,873	5,373	SH		SOLE	0	5,373	0	0
Kimberly Clark Corp	Com	494368103	133,661	1,100	SH		OTR	0	1,100	0	0
Kimberly-Clark Corporation	COM	494368103	32,200	265	SH		DFND	1	0	0	265
Kkr & Co Inc	COM	48251W104	71,251	860	SH		DFND	1	0	0	860
Kraft Heinz CO	Com	500754106	193,923	5,244	SH		SOLE	0	5,244	0	0
Kraft Heinz CO	Com	500754106	267,661	7,238	SH		OTR	0	7,238	0	0
Kraft Heinz Company	COM	500754106	1,220	33	SH		DFND	1	0	0	33
Kyndryl Hldgs Inc	COM	50155Q100	11,658	561	SH		DFND	1	0	0	561
Ladrx Corp	COM	232828707	1	1	SH		DFND	1	0	0	1
Lam Research Corporation	COM	512807108	122,189	156	SH		DFND	1	0	0	156
LAS VEGAS SANDS CORP	COM	517834AF4	46,450	943	SH		DFND	1	943	0	0
Lexington Realty C PFD Series C	COM	529043309	4,837	100	SH		DFND	1	0	0	100
Lilly Eli & CO	Com	532457108	1,109,297	1,903	SH		SOLE	0	1,375	0	528
Lilly Eli & CO	Com	532457108	4,573,007	7,845	SH		OTR	0	6,710	25	1,110
LILLY ELI & CO	COM	532457108	74,781	128	SH		DFND	1	128	0	0
Lincoln National Corp.	COM	534187208	25,891	960	SH		DFND	1	0	0	960
Linde PLC	Com	G54950103	2,192,781	5,339	SH		SOLE	0	5,339	0	0
Linde PLC	Com	G54950103	1,696,232	4,130	SH		OTR	0	3,205	0	925
Lithium Amers Argentin	COM	53681K100	632	100	SH		DFND	1	0	0	100
Lithium Amers Corp	COM	53680Q207	640	100	SH		DFND	1	0	0	100
Lockheed Martin Corp	Com	539830109	3,166,603	6,987	SH		SOLE	0	6,435	0	552
Lockheed Martin Corp	Com	539830109	1,555,066	3,431	SH		OTR	0	3,431	0	0
LOCKHEED MARTIN CORP	COM	539830109	135,972	300	SH		DFND	1	300	0	0
Lowes Companies Inc	COM	548661107	161,810	727	SH		DFND	1	503	0	224
Lowes Cos Inc	Com	548661107	7,796,817	35,034	SH		SOLE	0	34,504	25	505
Lowes Cos Inc	Com	548661107	9,510,007	42,732	SH		OTR	0	41,754	215	763
Lumen Technologies, Inc.	COM	550241103	71	39	SH		DFND	1	0	0	39
Lvmh Moet Hennessy Lou	COM	502441306	4,061	25	SH		DFND	1	0	0	25
Lyft Inc	COM	55087P104	3,748	250	SH		DFND	1	0	0	250
M&T Bank Corp.	COM	55261F104	22,892	167	SH		DFND	1	0	0	167
Markel Group INC COM	Com	570535104	531,043	374	SH		OTR	0	374	0	0
Marriott International Inc	Com	571903202	658,489	2,920	SH		SOLE	0	2,920	0	0
Marriott International Inc	Com	571903202	30,444	135	SH		OTR	0	135	0	0
Marsh & Mc Lennan Co	COM	571748102	9,474	50	SH		DFND	1	0	0	50
Marsh & McLennan Companies Inc	Com	571748102	298,415	1,575	SH		SOLE	0	1,575	0	0
Marsh & McLennan Companies Inc	Com	571748102	5,785,656	30,536	SH		OTR	0	30,089	0	447
Martin Marietta Matls Inc	Com	573284106	416,590	835	SH		OTR	0	835	0	0
Masco Corp	Com	574599106	343,674	5,131	SH		SOLE	0	5,131	0	0
Masco Corp	Com	574599106	21,635	323	SH		OTR	0	323	0	0
Mastercard Inc Cl A	Com	57636Q104	835,533	1,959	SH		SOLE	0	1,959	0	0
Mastercard Inc Cl A	Com	57636Q104	2,397,839	5,622	SH		OTR	0	5,600	0	22
Materials Select SPDR Fund	Com	81369Y100	1,693,698	19,800	SH		SOLE	0	17,768	0	2,032
Materials Select SPDR Fund	Com	81369Y100	694,841	8,123	SH		OTR	0	7,483	315	325
Mc Donalds Corp	COM	580135101	25,500	86	SH		DFND	1	0	0	86
McCormick & CO Inc	Com	579780206	20,526	300	SH		SOLE	0	300	0	0
McCormick & CO Inc	Com	579780206	415,857	6,078	SH		OTR	0	6,078	0	0
McCormick & Co. Inc.	COM	579780206	479	7	SH		DFND	1	0	0	7
McDonalds Corp	Com	580135101	8,491,453	28,638	SH		SOLE	0	28,408	75	155
McDonalds Corp	Com	580135101	8,943,928	30,164	SH		OTR	0	29,042	238	884
McKesson Corp	Com	58155Q103	323,160	698	SH		SOLE	0	698	0	0
Medclean Tech Inc Xxx	COM	58405Y302	0	1	SH		DFND	1	0	0	1
Medtronic Inc.	COM	G5960L103	30,975	376	SH		DFND	1	0	0	376
Medtronic PLC	Com	G5960L103	925,704	11,237	SH		SOLE	0	11,237	0	0
Medtronic PLC	Com	G5960L103	747,681	9,076	SH		OTR	0	8,505	71	500
Mercadolibre, Inc.	COM	58733R102	31,465	20	SH		DFND	1	0	0	20
Merck & CO Inc	Com	58933Y105	5,155,229	47,287	SH		SOLE	0	45,867	620	800
Merck & CO Inc	Com	58933Y105	6,378,324	58,506	SH		OTR	0	56,965	291	1,250
Merck & Co. Inc.	COM	58933Y105	79,015	724	SH		DFND	1	134	0	590
Meta Platforms Inc	Com	30303M102	1,642,728	4,641	SH		SOLE	0	4,641	0	0
Meta Platforms Inc	Com	30303M102	1,203,818	3,401	SH		OTR	0	3,376	25	0
Meta Platforms, Inc.	COM	30303M102	33,980	96	SH		DFND	1	0	0	96
Metlife Inc	Com	59156R108	436,656	6,603	SH		SOLE	0	6,603	0	0
Metlife Inc	Com	59156R108	106,535	1,611	SH		OTR	0	1,300	111	200
MetLife, Inc.	COM	59156R108	21,889	331	SH		DFND	1	0	0	331
Mettler Toledo International	Com	592688105	419,684	346	SH		OTR	0	346	0	0
MGE ENERGY INC	COM	55277P104	133,739	1,849	SH		DFND	1	1,849	0	0
MGM RESORTS INTL	COM	552953101	15,978	357	SH		DFND	1	357	0	0
Microchip Technology Inc	Com	595017104	2,977,924	33,022	SH		SOLE	0	33,022	0	0
Microchip Technology Inc	Com	595017104	761,570	8,445	SH		OTR	0	7,415	280	750
Microsoft Corp	Com	594918104	25,333,815	67,370	SH		SOLE	0	64,217	125	3,028
Microsoft Corp	Com	594918104	51,385,490	136,649	SH		OTR	0	134,253	672	1,724
Microsoft Corporation	COM	594918104	458,569	1,219	SH		DFND	1	416	0	803
Midcap SPDR Trust Series 1	Com	78467Y107	8,499,448	16,752	SH		SOLE	0	15,761	0	991
Midcap SPDR Trust Series 1	Com	78467Y107	1,031,859	2,034	SH		OTR	0	1,952	50	32
Moelis & Company	COM	60786M105	3,140	56	SH		DFND	1	0	0	56
Mondelez International Inc	Com	609207105	937,751	12,947	SH		SOLE	0	12,533	0	414
Mondelez International Inc	Com	609207105	4,971,885	68,644	SH		OTR	0	67,545	0	1,099
Mondelez International, Inc.	COM	609207105	7,243	100	SH		DFND	1	0	0	100
Monster Beverage Corp New	Com	61174X109	34,566	600	SH		SOLE	0	600	0	0
Monster Beverage Corp New	Com	61174X109	255,500	4,435	SH		OTR	0	4,435	0	0
Moodys Corp	Com	615369105	70,301	180	SH		SOLE	0	180	0	0
Moodys Corp	Com	615369105	309,714	793	SH		OTR	0	793	0	0
Moody's Corporation	COM	615369105	3,124	8	SH		DFND	1	0	0	8
Morgan Stanley	Com	617446448	562,857	6,036	SH		SOLE	0	6,036	0	0
Morgan Stanley	Com	617446448	89,240	957	SH		OTR	0	957	0	0
Morgan Stanley	COM	617446448	9,325	100	SH		DFND	1	0	0	100
Motley Fool 100 Index ETF	COM	74933W601	22,326	500	SH		DFND	1	0	0	500
NBT Bancorp Inc	Com	628778102	8,135,653	194,122	SH		SOLE	0	31,281	0	162,841
NBT Bancorp Inc	Com	628778102	3,521,374	84,022	SH		OTR	0	76,412	0	7,610
NBT Bancorp Inc.	COM	628778102	651,265	15,540	SH		DFND	1	0	0	15,540
Netflix Inc	Com	64110L106	357,370	734	SH		SOLE	0	734	0	0
Netflix Inc	Com	64110L106	1,037,054	2,130	SH		OTR	0	2,130	0	0
Netflix, Inc.	COM	64110L106	64,755	133	SH		DFND	1	0	0	133
New York Cmnty Banco	COM	649445103	10,230	1,000	SH		DFND	1	0	0	1,000
Newmont Mining Corp.	COM	651639106	4,346	105	SH		DFND	1	0	0	105
NEXE Innovations Inc.	COM	65344W107	476	3,000	SH		DFND	1	0	0	3,000
Nextdoor Hldgs Inc	COM	65345M108	945	500	SH		DFND	1	0	0	500
Nextera Energy Inc	Com	65339F101	1,625,828	26,767	SH		SOLE	0	24,967	0	1,800
Nextera Energy Inc	Com	65339F101	2,897,602	47,705	SH		OTR	0	37,998	84	9,623
Nextera Energy Inc	COM	65339F101	66,024	1,087	SH		DFND	1	0	0	1,087
Nike Inc-Class B	Com	654106103	2,060,767	18,981	SH		SOLE	0	18,981	0	0
Nike Inc-Class B	Com	654106103	3,685,192	33,943	SH		OTR	0	33,587	0	356
Norfolk Southern Corp	Com	655844108	629,244	2,662	SH		SOLE	0	2,662	0	0
Norfolk Southern Corp	Com	655844108	1,021,162	4,320	SH		OTR	0	4,020	0	300
Northrop Grumman Corporation	Com	666807102	391,365	836	SH		OTR	0	836	0	0
Northrop Grumman Corporation	COM	666807102	47,463	101	SH		DFND	1	0	0	101
Novartis AG	COM	66987V109	5,755	57	SH		DFND	1	0	0	57
Novartis Ag Spons ADR	Com	66987V109	1,172,565	11,613	SH		SOLE	0	11,463	0	150
Novartis Ag Spons ADR	Com	66987V109	1,479,917	14,657	SH		OTR	0	14,407	100	150
Nucor Corp	Com	670346105	1,050,505	6,036	SH		SOLE	0	6,036	0	0
Nucor Corp	Com	670346105	134,881	775	SH		OTR	0	775	0	0
Nucor Corporation	COM	670346105	17,404	100	SH		DFND	1	0	0	100
Nvidia Corp	Com	67066G104	2,706,629	5,466	SH		SOLE	0	5,089	0	377
Nvidia Corp	Com	67066G104	776,010	1,567	SH		OTR	0	1,539	28	0
NVIDIA Corporation	COM	67066G104	45,065	91	SH		DFND	1	0	0	91
Oneok Inc	Com	682680103	737,310	10,500	SH		OTR	0	10,500	0	0
Oracle Corp.	COM	68389X105	169,215	1,605	SH		DFND	1	0	0	1,605
Oracle Corporation	Com	68389X105	3,514,087	33,331	SH		SOLE	0	31,831	0	1,500
Oracle Corporation	Com	68389X105	2,305,227	21,865	SH		OTR	0	19,056	109	2,700
O'Reilly Automotive Inc	Com	67103H107	532,995	561	SH		SOLE	0	561	0	0
Organon & Co. Common Stock	COM	68622V106	1,016	70	SH		DFND	1	13	0	57
O'Shares FTSE U.S. Quality Divid	COM	67110P407	57,244	1,242	SH		DFND	1	0	0	1,242
O'Shares Global Internet	COM	67110P704	16,685	457	SH		DFND	1	0	0	457
Otis Worldwide Corp	Com	68902V107	645,347	7,213	SH		SOLE	0	6,816	50	347
Otis Worldwide Corp	Com	68902V107	905,436	10,120	SH		OTR	0	9,427	533	160
Ouster Inc	COM	68989M103	384	50	SH		DFND	1	0	0	50
Pacer US Small Cap Cash Cows 1	Com	69374H857	245,496	5,111	SH		OTR	0	5,111	0	0
Palantir Technologies, Inc.	Com	69608A108	238,028	13,863	SH		OTR	0	13,863	0	0
Palatin Technologies Inc.	COM	696077403	318	80	SH		DFND	1	0	0	80
Palo Alto Networks	Com	697435105	1,493,272	5,064	SH		SOLE	0	5,064	0	0
Palo Alto Networks	Com	697435105	843,947	2,862	SH		OTR	0	2,543	20	299
Paychex Inc	Com	704326107	381,152	3,200	SH		SOLE	0	3,200	0	0
Paychex Inc	Com	704326107	82,186	690	SH		OTR	0	490	200	0
Paypal Holdings Inc	Com	70450Y103	266,335	4,337	SH		SOLE	0	3,677	0	660
Paypal Holdings Inc	Com	70450Y103	154,139	2,510	SH		OTR	0	660	0	1,850
PayPal Holdings, Inc.	COM	70450Y103	3,992	65	SH		DFND	1	0	0	65
Pepsico Inc	Com	713448108	7,900,277	46,516	SH		SOLE	0	45,887	56	573
Pepsico Inc	Com	713448108	7,268,982	42,799	SH		OTR	0	41,227	294	1,278
Pepsico, Inc.	COM	713448108	207,375	1,221	SH		DFND	1	0	0	1,221
Petrochina Co 'H'CNY1	Com	011014674	11,227	17,000	SH		OTR	0	17,000	0	0
Petroleo Brasileiro	COM	71654V408	4,152	260	SH		DFND	1	0	0	260
Pfizer Inc	Com	717081103	3,071,663	106,692	SH		SOLE	0	102,171	0	4,521
Pfizer Inc	Com	717081103	2,282,241	79,272	SH		OTR	0	75,339	994	2,939
Pfizer Inc.	COM	717081103	341,125	11,848	SH		DFND	1	1,083	0	10,765
Philip Morris International	Com	718172109	823,012	8,748	SH		SOLE	0	8,073	0	675
Philip Morris International	Com	718172109	2,223,675	23,636	SH		OTR	0	23,636	0	0
Philip Morris Intl, Inc.	COM	718172109	11,290	120	SH		DFND	1	0	0	120
Phillips 66	COM	718546104	123,186	925	SH		DFND	1	784	0	141
Piedmont Office Realty Tr Inc.	COM	720190206	8,845	1,244	SH		DFND	1	0	0	1,244
PIMCO 0-5 Year High Yield Corp	Com	72201R783	153,861	1,653	SH		SOLE	0	1,653	0	0
PIMCO 0-5 Year High Yield Corp	Com	72201R783	156,840	1,685	SH		OTR	0	1,685	0	0
Pimco Dynamic Income Cf	COM	72201Y101	8,742	487	SH		DFND	1	0	0	487
PIMCO MUNICIPAL INCOME C	COM	72200R107	20,526	2,200	SH		DFND	1	2,200	0	0
Pioneer Natural Res Co	COM	723787107	15,742	70	SH		DFND	1	0	0	70
PLUG POWER INC	COM	72919P103	225	50	SH		DFND	1	50	0	0
PORTILLOS INC	COM	73642K106	15,930	1,000	SH		DFND	1	1,000	0	0
PPL Corporation	COM	709051106	31,870	1,176	SH		DFND	1	0	0	1,176
Predictive Technology Group, Inc	COM	74039H102	0	5	SH		DFND	1	0	0	5
Procter & Gamble CO	Com	742718109	9,279,352	63,323	SH		SOLE	0	58,658	278	4,387
Procter & Gamble CO	Com	742718109	14,298,201	97,572	SH		OTR	0	92,947	380	4,245
ProShares S&P 500 Div Aristocrat	COM	74348A467	193,922	2,037	SH		DFND	1	0	0	2,037
Prudential Financial, Inc.	COM	744320102	55,417	534	SH		DFND	1	0	0	534
Prudential Finl Inc	Com	744320102	1,502,343	14,486	SH		SOLE	0	14,486	0	0
Prudential Finl Inc	Com	744320102	1,296,064	12,497	SH		OTR	0	12,147	150	200
Public Service Enterprise Grou	Com	744573106	93,070	1,522	SH		SOLE	0	1,522	0	0
Public Service Enterprise Grou	Com	744573106	155,933	2,550	SH		OTR	0	2,550	0	0
Public Srvc Enterprise Grp Inc	COM	744573106	58,337	954	SH		DFND	1	0	0	954
Qualcomm Inc	Com	747525103	3,541,844	24,489	SH		SOLE	0	24,064	0	425
Qualcomm Inc	Com	747525103	1,689,278	11,680	SH		OTR	0	10,955	225	500
QUALCOMM Inc.	COM	747525103	11,570	80	SH		DFND	1	0	0	80
Quanta Services Inc	COM	74762E102	21,580	100	SH		DFND	1	0	0	100
Quanta Services Incorporated	Com	74762E102	1,212,364	5,618	SH		OTR	0	2,118	0	3,500
Raytheon Technologies Co	COM	75513E101	147,329	1,751	SH		DFND	1	688	0	1,063
Rbc Bearings Inc	Com	75524B104	1,192,834	4,187	SH		OTR	0	3,976	0	211
Real Estate Select Sect SPDR	Com	81369Y860	1,063,593	26,550	SH		SOLE	0	24,432	105	2,013
Real Estate Select Sect SPDR	Com	81369Y860	1,396,291	34,855	SH		OTR	0	34,704	26	125
Restaurant Brands	COM	76131D103	5,938	76	SH		DFND	1	0	0	76
Rivian Automotive, Inc.	COM	76954A103	2,346	100	SH		DFND	1	0	0	100
ROCKWELL AUTOMATION	COM	773903109	5,588	18	SH		DFND	1	18	0	0
Rockwell Automation Inc	Com	773903109	198,707	640	SH		SOLE	0	640	0	0
Rockwell Automation Inc	Com	773903109	15,524	50	SH		OTR	0	50	0	0
Roper Technologies Inc	Com	776696106	1,206,461	2,213	SH		OTR	0	2,213	0	0
RTX Corporation	Com	75513E101	2,997,319	35,623	SH		SOLE	0	34,653	100	870
RTX Corporation	Com	75513E101	4,397,998	52,270	SH		OTR	0	49,469	1,186	1,615
Rxo Inc	COM	74982T103	3,001	129	SH		DFND	1	0	0	129
S E I Investments Co	COM	784117103	190,968	3,005	SH		DFND	1	0	0	3,005
S&P Global Inc	Com	78409V104	76,210	173	SH		SOLE	0	173	0	0
S&P Global Inc	Com	78409V104	2,017,582	4,580	SH		OTR	0	3,080	0	1,500
Salesforce Inc	Com	79466L302	2,166,958	8,235	SH		SOLE	0	8,142	0	93
Salesforce Inc	Com	79466L302	1,544,106	5,868	SH		OTR	0	5,834	34	0
salesforce.com, inc.	COM	79466L302	6,579	25	SH		DFND	1	0	0	25
Sandoz Group Ag	COM	799926100	352	11	SH		DFND	1	0	0	11
Savient Pharmaceuticaxxx	COM	80517Q100	0	500	SH		DFND	1	0	0	500
SCE Trust II Trust Preferred	COM	78407R204	5,668	275	SH		DFND	1	0	0	275
Schlumberger Ltd	Com	806857108	1,322,232	25,408	SH		SOLE	0	24,593	0	815
Schlumberger Ltd	Com	806857108	788,250	15,147	SH		OTR	0	14,861	286	0
Schwab Emerging Markets	COM	808524706	198	8	SH		DFND	1	0	0	8
Schwab Fundamental International	COM	808524755	34	1	SH		DFND	1	0	0	1
Schwab Fundamental Intl	COM	808524748	35	1	SH		DFND	1	0	0	1
Schwab Fundamental Intl Lg Co	Com	808524755	288,054	8,540	SH		SOLE	0	8,540	0	0
Schwab Inter Term US Treasury	COM	808524854	132,951	2,674	SH		DFND	1	0	0	2,674
Schwab International	COM	808524805	400,425	10,834	SH		DFND	1	0	0	10,834
Schwab International Equity ET	Com	808524805	2,981,009	80,655	SH		SOLE	0	80,655	0	0
Schwab International Equity ET	Com	808524805	835,444	22,604	SH		OTR	0	21,939	0	665
Schwab Short-Term US Treasury	COM	808524862	90,844	1,875	SH		DFND	1	0	0	1,875
Schwab U.S. Large-Cap	COM	808524201	595,415	10,557	SH		DFND	1	0	0	10,557
Schwab U.S. Large-Cap Growth	COM	808524300	744,981	8,980	SH		DFND	1	0	0	8,980
Schwab U.S. Mid-Cap	COM	808524508	345,568	4,588	SH		DFND	1	0	0	4,588
Schwab U.S. Small-Cap	COM	808524607	693,247	14,675	SH		DFND	1	0	0	14,675
Schwab US Aggregate Bd ETF	Com	808524839	1,159,253	24,866	SH		SOLE	0	24,866	0	0
Schwab US Aggregate Bd ETF	Com	808524839	668,251	14,334	SH		OTR	0	14,334	0	0
Schwab US Aggregate Bond	COM	808524839	101,492	2,177	SH		DFND	1	0	0	2,177
Schwab US Broad Market	COM	808524102	2,365	42	SH		DFND	1	0	0	42
Schwab US Dividend	COM	808524797	3,820	50	SH		DFND	1	0	0	50
Schwab US Dividend Equity ETF	Com	808524797	6,815,310	89,522	SH		SOLE	0	88,549	0	973
Schwab US Dividend Equity ETF	Com	808524797	1,041,535	13,681	SH		OTR	0	13,681	0	0
Schwab US Small Cap ETF	Com	808524607	2,455,016	51,969	SH		SOLE	0	51,969	0	0
Schwab US Small Cap ETF	Com	808524607	352,930	7,471	SH		OTR	0	7,471	0	0
Schwab US Tips Etf	COM	808524870	104	2	SH		DFND	1	0	0	2
Select Sector Health	COM	81369Y209	1,500	11	SH		DFND	1	0	0	11
Sempra	COM	816851109	7,473	100	SH		DFND	1	0	0	100
Shell Plc	COM	780259305	6,580	100	SH		DFND	1	0	0	100
Shell PLC Spon ADS	Com	780259305	11,976	182	SH		SOLE	0	182	0	0
Shell PLC Spon ADS	Com	780259305	615,230	9,350	SH		OTR	0	4,750	0	4,600
Sherwin Williams CO	Com	824348106	3,431	11	SH		SOLE	0	11	0	0
Sherwin Williams CO	Com	824348106	3,908,731	12,532	SH		OTR	0	12,397	0	135
Shopify Inc.	COM	82509L107	3,116	40	SH		DFND	1	0	0	40
Snap Inc.	COM	83304A106	1,693	100	SH		DFND	1	0	0	100
Southern Company	Com	842587107	1,273,660	18,164	SH		SOLE	0	18,164	0	0
Southern Company	Com	842587107	587,535	8,379	SH		OTR	0	8,379	0	0
Southern Company	COM	842587107	91,156	1,300	SH		DFND	1	0	0	1,300
Spdr Bloomberg 1 10 Yr	COM	78468R861	3,290	177	SH		DFND	1	0	0	177
SPDR Bloomberg Barclays High Yie	COM	78464A417	8,052	85	SH		DFND	1	0	0	85
SPDR Dow Jones Global Real Estat	COM	78463X749	87	2	SH		DFND	1	0	0	2
SPDR Dow Jones Industrial Aver	Com	78467X109	1,169,051	3,102	SH		SOLE	0	3,102	0	0
SPDR Dow Jones Industrial Aver	Com	78467X109	309,033	820	SH		OTR	0	740	0	80
SPDR Dow Jones Industrial Averag	COM	78467X109	37,687	100	SH		DFND	1	0	0	100
SPDR Gold Shares	COM	78463V107	1,121,976	5,869	SH		DFND	1	220	0	5,649
SPDR Gold Trust	Com	78463V107	273,947	1,433	SH		SOLE	0	1,366	0	67
SPDR Gold Trust	Com	78463V107	473,337	2,476	SH		OTR	0	2,476	0	0
SPDR Portfolio Developed Wld e	Com	78463X889	2,048,082	60,220	SH		SOLE	0	60,220	0	0
SPDR Portfolio Developed Wld e	Com	78463X889	637,347	18,740	SH		OTR	0	18,740	0	0
SPDR Portfolio Developed World e	COM	78463X889	64,347	1,892	SH		DFND	1	0	0	1,892
SPDR Portfolio Emerging Market	Com	78463X509	276,729	7,815	SH		SOLE	0	7,815	0	0
SPDR Portfolio Emerging Market	Com	78463X509	37,535	1,060	SH		OTR	0	1,060	0	0
SPDR Portfolio Emerging Markets	COM	78463X509	44,440	1,255	SH		DFND	1	0	0	1,255
SPDR Portfolio Intermediate Te	Com	78464A375	652,037	19,861	SH		SOLE	0	19,861	0	0
SPDR Portfolio S&P 500 Growth ET	COM	78464A409	14,769	227	SH		DFND	1	0	0	227
SPDR Portfolio S&P 500 Value ETF	COM	78464A508	21,543	462	SH		DFND	1	0	0	462
SPDR Portfolio S&P 600 Small Cap	COM	78468R853	2,700	64	SH		DFND	1	0	0	64
SPDR Portfolio Short Term Corp	Com	78464A474	1,202,219	40,370	SH		SOLE	0	40,370	0	0
SPDR Preferred Stock ETF	Com	78464A292	494,588	14,755	SH		SOLE	0	14,755	0	0
SPDR S&P 500 ETF Trust	Com	78462F103	6,591,154	13,867	SH		SOLE	0	13,290	0	577
SPDR S&P 500 ETF Trust	Com	78462F103	1,198,257	2,521	SH		OTR	0	2,406	0	115
SPDR S&P 600 Small Cap Value ETF	COM	78464A300	4,415	53	SH		DFND	1	0	0	53
SPDR S&P Aerospace & Defense ETF	COM	78464A631	813	6	SH		DFND	1	0	0	6
SPDR S&P Dividend ETF	Com	78464A763	11,169,694	89,379	SH		SOLE	0	89,379	0	0
SPDR S&P Dividend ETF	Com	78464A763	956,021	7,650	SH		OTR	0	7,650	0	0
SPDR S&P Global Infrastructure E	COM	78463X855	53	1	SH		DFND	1	0	0	1
SPDR S&P Regional Banking ETF	Com	78464A698	1,579,410	30,124	SH		SOLE	0	29,162	0	962
SPDR S&P Regional Banking ETF	Com	78464A698	1,128,241	21,519	SH		OTR	0	21,319	100	100
SPDR Tr Bloomberg 1-3 MO ETF	Com	78468R663	240,447	2,631	SH		OTR	0	2,631	0	0
Starbucks Corp	Com	855244109	667,558	6,953	SH		SOLE	0	6,953	0	0
Starbucks Corp	Com	855244109	1,060,911	11,050	SH		OTR	0	11,050	0	0
Starbucks Corporation	COM	855244109	2,496	26	SH		DFND	1	0	0	26
State Street Corp	COM	857477103	4,260	55	SH		DFND	1	0	0	55
Stitch Fix Inc	COM	860897107	714	200	SH		DFND	1	0	0	200
Stryker Corp.	COM	863667101	85,945	287	SH		DFND	1	0	0	287
Stryker Corporation	Com	863667101	365,641	1,221	SH		SOLE	0	1,221	0	0
Stryker Corporation	Com	863667101	216,210	722	SH		OTR	0	722	0	0
Sunpower Corp	COM	867652406	29	6	SH		DFND	1	0	0	6
Synchrony Financial	COM	87165B103	7,638	200	SH		DFND	1	0	0	200
Synovus Financial Corp.	COM	87161C600	1,344	36	SH		DFND	1	0	0	36
Sysco Corp	Com	871829107	463,644	6,340	SH		SOLE	0	6,340	0	0
Sysco Corp	Com	871829107	692,907	9,475	SH		OTR	0	9,475	0	0
Sysco Corporation	COM	871829107	666,068	9,108	SH		DFND	1	0	0	9,108
T Rowe Price Group	COM	74144T108	12,815	119	SH		DFND	1	0	0	119
T Rowe Price Group Inc	Com	74144T108	2,149,815	19,963	SH		SOLE	0	19,913	50	0
T Rowe Price Group Inc	Com	74144T108	1,345,694	12,496	SH		OTR	0	12,016	295	185
Taiwan Semiconductor Spons ADR	Com	874039100	395,408	3,802	SH		OTR	0	3,802	0	0
Take Two Interactv	COM	874054109	5,150	32	SH		DFND	1	0	0	32
Target Corp	Com	87612E106	2,303,738	16,176	SH		SOLE	0	15,591	0	585
Target Corp	Com	87612E106	1,882,792	13,220	SH		OTR	0	10,455	165	2,600
Te Connectivity Limited	Com	H84989104	1,314,799	9,358	SH		OTR	0	9,217	0	141
Technology Select Sect SPDR	Com	81369Y803	2,699,917	14,027	SH		SOLE	0	13,766	162	99
Technology Select Sect SPDR	Com	81369Y803	191,518	995	SH		OTR	0	845	150	0
Telefonaktiebolaget LM Ericsson	COM	294821608	2,753	437	SH		DFND	1	0	0	437
Tesla Inc	Com	88160R101	100,634	405	SH		SOLE	0	405	0	0
Tesla Inc	Com	88160R101	619,958	2,495	SH		OTR	0	2,495	0	0
Tesla, Inc.	COM	88160R101	502,178	2,021	SH		DFND	1	90	0	1,931
Texas Instruments Inc	Com	882508104	542,745	3,184	SH		SOLE	0	3,184	0	0
Texas Instruments Inc	Com	882508104	1,274,018	7,474	SH		OTR	0	7,342	0	132
Texas Instruments Inc.	COM	882508104	2,610	15	SH		DFND	1	0	0	15
The Carlyle Group Inc.	COM	14316J108	10,824	266	SH		DFND	1	0	0	266
The Charles Schwab Corp	COM	808513105	59,306	862	SH		DFND	1	0	0	862
The Chemours Company	COM	163851108	15,770	500	SH		DFND	1	0	0	500
The Coca-Cola Company	COM	191216100	16,559	281	SH		DFND	1	0	0	281
The Dow Chemical Company	COM	260557103	29,449	537	SH		DFND	1	0	0	537
The Hershey Company	Com	427866108	64,322	345	SH		SOLE	0	345	0	0
The Hershey Company	Com	427866108	861,166	4,619	SH		OTR	0	4,619	0	0
The Procter & Gamble Company	COM	742718109	529,605	3,614	SH		DFND	1	439	0	3,175
The Travelers Companies, Inc.	COM	89417E109	1,524	8	SH		DFND	1	0	0	8
Thermo Fisher Scientific Inc	Com	883556102	207,539	391	SH		SOLE	0	391	0	0
Thermo Fisher Scientific Inc	Com	883556102	6,122,663	11,535	SH		OTR	0	10,441	0	1,094
Thermo Fisher Scientific, Inc.	COM	883556102	10,616	20	SH		DFND	1	0	0	20
TJX Cos Inc	Com	872540109	3,257,834	34,728	SH		SOLE	0	33,128	300	1,300
TJX Cos Inc	Com	872540109	3,280,911	34,974	SH		OTR	0	34,165	455	354
T-Mobile US Inc	Com	872590104	91,709	572	SH		SOLE	0	572	0	0
T-Mobile US Inc	Com	872590104	464,957	2,900	SH		OTR	0	1,600	0	1,300
Toyota Motor Corp Spons ADR	Com	892331307	16,504	90	SH		SOLE	0	90	0	0
Toyota Motor Corp Spons ADR	Com	892331307	215,472	1,175	SH		OTR	0	1,175	0	0
Tractor Supply Co	Com	892356106	53,758	250	SH		SOLE	0	250	0	0
Tractor Supply Co	Com	892356106	296,741	1,380	SH		OTR	0	1,380	0	0
Trane Technologies Plc ADR	Com	G8994E103	560,970	2,300	SH		SOLE	0	2,300	0	0
Trane Technologies Plc ADR	Com	G8994E103	17,400,070	71,341	SH		OTR	0	71,341	0	0
Transcoastal Corp.	Com	89355M105	0	243,486	SH		OTR	0	243,486	0	0
Transdigm Group Inc	Com	893641100	1,396,008	1,380	SH		OTR	0	1,380	0	0
Travelers Companies Inc	Com	89417E109	269,162	1,413	SH		SOLE	0	1,413	0	0
Travelers Companies Inc	Com	89417E109	25,907	136	SH		OTR	0	136	0	0
Truist Financial Corporation	Com	89832Q109	323,459	8,761	SH		SOLE	0	8,457	0	304
Truist Financial Corporation	Com	89832Q109	124,937	3,384	SH		OTR	0	3,384	0	0
U S BANCORP	COM	902973304	482,725	11,153	SH		DFND	1	11,153	0	0
Uber Technologies Inc	Com	90353T100	3,332,168	54,120	SH		OTR	0	54,120	0	0
Uber Technologies Inc	COM	90353T100	3,079	50	SH		DFND	1	0	0	50
Under Armour Inc	COM	904311206	418	50	SH		DFND	1	0	0	50
Under Armour, Inc.	COM	904311107	440	50	SH		DFND	1	0	0	50
Union Pac Corp	Com	907818108	4,406,914	17,942	SH		SOLE	0	17,034	0	908
Union Pac Corp	Com	907818108	5,111,107	20,809	SH		OTR	0	19,179	50	1,580
United Parcel Service Cl B	Com	911312106	858,790	5,462	SH		SOLE	0	5,462	0	0
United Parcel Service Cl B	Com	911312106	2,165,529	13,773	SH		OTR	0	13,738	35	0
United Rentals Inc	Com	911363109	418,597	730	SH		OTR	0	730	0	0
Unitedhealth Group Inc	Com	91324P102	4,316,528	8,199	SH		SOLE	0	7,999	0	200
Unitedhealth Group Inc	Com	91324P102	6,716,178	12,757	SH		OTR	0	12,524	74	159
Unitedhealth Group Inc	COM	91324P102	1,053	2	SH		DFND	1	0	0	2
Universal Display Co	COM	91347P105	19,126	100	SH		DFND	1	0	0	100
US Bancorp New	Com	902973304	769,389	17,777	SH		SOLE	0	17,777	0	0
US Bancorp New	Com	902973304	1,274,077	29,438	SH		OTR	0	28,414	555	469
Utilities Select Sector SPDR	Com	81369Y886	1,726,249	27,258	SH		SOLE	0	23,095	0	4,163
Utilities Select Sector SPDR	Com	81369Y886	897,069	14,165	SH		OTR	0	13,162	609	394
Utilities Select Sector SPDR Fun	COM	81369Y886	52,311	826	SH		DFND	1	0	0	826
Vail Resorts Inc	COM	91879Q109	1,114	5	SH		DFND	1	0	0	5
Vale Sa	COM	91912E204	793	50	SH		DFND	1	0	0	50
Valero Energy Corp New	COM	91913Y100	37,180	286	SH		DFND	1	0	0	286
VanEck BDC Income ETF	COM	92189F411	825	51	SH		DFND	1	0	0	51
Vaneck ETF Trust Agribusiness	Com	92189F700	834,504	10,954	SH		SOLE	0	10,173	0	781
Vaneck ETF Trust Agribusiness	Com	92189F700	827,010	10,856	SH		OTR	0	10,631	125	100
VanEck Morningstar Wide Moat ETF	COM	92189F643	5,262	62	SH		DFND	1	0	0	62
VanEck Vectors Agribusiness	COM	92189F700	3,809	50	SH		DFND	1	0	0	50
Vaneck Vectors Gold Miners ETF	Com	92189F106	2,944,368	94,949	SH		OTR	0	93,380	0	1,569
VanEck Vectors Social Sentiment	COM	92189H839	168	9	SH		DFND	1	0	0	9
Vanguard Communication Services	COM	92204A884	2,590	22	SH		DFND	1	0	0	22
Vanguard Consumer	COM	92204A207	32,081	168	SH		DFND	1	0	0	168
Vanguard Dividend Appreciation	Com	921908844	140,580	825	SH		SOLE	0	825	0	0
Vanguard Dividend Appreciation	Com	921908844	119,280	700	SH		OTR	0	700	0	0
Vanguard Dividend Appreciation ETF	COM	921908844	25,901	152	SH		DFND	1	0	0	152
Vanguard Emerging Markt	COM	921946885	64	1	SH		DFND	1	0	0	1
Vanguard Extended Market Index	Com	922908652	201,517	1,226	SH		OTR	0	1,226	0	0
Vanguard Financials Index	COM	92204A405	4,244	46	SH		DFND	1	0	0	46
Vanguard FTSE All-World ex-US	COM	922042775	235,158	4,188	SH		DFND	1	1,614	0	2,574
Vanguard Ftse All-World Ex-USI	Com	922042775	546,467	9,734	SH		SOLE	0	9,734	0	0
Vanguard Ftse All-World Ex-USI	Com	922042775	13,474	240	SH		OTR	0	240	0	0
Vanguard FTSE Developed Market	Com	921943858	433,495	9,050	SH		SOLE	0	9,050	0	0
Vanguard FTSE Developed Market	Com	921943858	216,987	4,530	SH		OTR	0	4,530	0	0
Vanguard FTSE Developed Markets	COM	921943858	18,537	387	SH		DFND	1	0	0	387
Vanguard Ftse Emerging	COM	922042858	6,371	155	SH		DFND	1	0	0	155
Vanguard Ftse Emerging Markets	Com	922042858	1,454,406	35,387	SH		SOLE	0	35,387	0	0
Vanguard Ftse Emerging Markets	Com	922042858	168,880	4,109	SH		OTR	0	3,609	0	500
Vanguard Health Care	COM	92204A504	81,478	325	SH		DFND	1	0	0	325
Vanguard High Dividend Yield E	Com	921946406	214,553	1,922	SH		SOLE	0	1,922	0	0
Vanguard High Dividend Yield E	Com	921946406	69,211	620	SH		OTR	0	620	0	0
Vanguard Index Fund Mid-Cap	Com	922908629	309,179	1,329	SH		SOLE	0	1,329	0	0
Vanguard Index Fund Mid-Cap	Com	922908629	352,682	1,516	SH		OTR	0	1,516	0	0
Vanguard InfoTechnology	COM	92204A702	2,425,161	5,011	SH		DFND	1	0	0	5,011
Vanguard Inter Term Corp Bond	Com	92206C870	984,382	12,111	SH		SOLE	0	12,111	0	0
Vanguard Inter Term Corp Bond	Com	92206C870	909,361	11,188	SH		OTR	0	11,188	0	0
Vanguard Intermediate-Term Bon	Com	921937819	2,293,310	30,025	SH		SOLE	0	30,025	0	0
Vanguard Intermediate-Term Bon	Com	921937819	278,787	3,650	SH		OTR	0	2,150	1,500	0
Vanguard Interm-Term Treasury In	COM	92206C706	1,186	20	SH		DFND	1	0	0	20
Vanguard Large-Cap ETF	Com	922908637	205,497	942	SH		OTR	0	942	0	0
Vanguard Materials	COM	92204A801	24,882	131	SH		DFND	1	0	0	131
Vanguard Mega Cap Etf IV	COM	921910873	63,311	374	SH		DFND	1	0	0	374
Vanguard Mega Cap Growth	COM	921910816	19,463	75	SH		DFND	1	0	0	75
Vanguard Mega Cap Value	COM	921910840	11,484	105	SH		DFND	1	0	0	105
Vanguard Mid Cap Growth	COM	922908538	5,709	26	SH		DFND	1	0	0	26
Vanguard Mid Cap Value	COM	922908512	4,350	30	SH		DFND	1	0	0	30
Vanguard Mid-Cap Index Fd ETF Sh	COM	922908629	898,921	3,864	SH		DFND	1	0	0	3,864
Vanguard Mid-Cap Value Index F	Com	922908512	490,279	3,381	SH		SOLE	0	3,381	0	0
Vanguard Mid-Cap Value Index F	Com	922908512	121,659	839	SH		OTR	0	839	0	0
Vanguard Real Estate ETF	Com	922908553	1,060,232	11,999	SH		SOLE	0	11,999	0	0
Vanguard Real Estate ETF	Com	922908553	495,788	5,611	SH		OTR	0	5,316	295	0
Vanguard REIT	COM	922908553	71,502	809	SH		DFND	1	0	0	809
VANGUARD RUSSELL 2000 ETF IV	COM	92206C664	35,480	437	SH		DFND	1	437	0	0
Vanguard S&P 500 ETF	Com	922908363	2,265,245	5,186	SH		SOLE	0	4,999	0	187
Vanguard S&P 500 ETF	Com	922908363	58,968	135	SH		OTR	0	135	0	0
Vanguard S&P 500 Etf	COM	922908363	343,521	786	SH		DFND	1	187	0	599
Vanguard Short Term	COM	92206C102	3,150	54	SH		DFND	1	0	0	54
Vanguard Short Term Bond ETF	Com	921937827	926,166	12,025	SH		SOLE	0	12,025	0	0
Vanguard Short Term Bond ETF	Com	921937827	77,020	1,000	SH		OTR	0	1,000	0	0
Vanguard Short Term Corp Bond	Com	92206C409	993,276	12,838	SH		SOLE	0	12,838	0	0
Vanguard Short Term Corp Bond	Com	92206C409	49,672	642	SH		OTR	0	642	0	0
Vanguard Short-Term Bond	COM	921937827	191,164	2,482	SH		DFND	1	0	0	2,482
Vanguard Short-Term Corp Bond	COM	92206C409	7,310,150	94,483	SH		DFND	1	0	0	94,483
Vanguard Short-Term Treasury E	Com	92206C102	250,236	4,290	SH		SOLE	0	4,290	0	0
Vanguard Short-Term Treasury E	Com	92206C102	20,416	350	SH		OTR	0	350	0	0
VANGUARD SHRT INF PROT SEC INDEX ETF	COM	922020805	20,958	441	SH		DFND	1	441	0	0
Vanguard Small Cap	COM	922908595	3,385	14	SH		DFND	1	0	0	14
Vanguard Small Cap Etf	COM	922908751	707,829	3,318	SH		DFND	1	0	0	3,318
Vanguard Small-Cap ETF	Com	922908751	200,957	942	SH		SOLE	0	942	0	0
Vanguard Small-Cap ETF	Com	922908751	129,065	605	SH		OTR	0	605	0	0
Vanguard Small-Cap Value	COM	922908611	3,044,193	16,915	SH		DFND	1	0	0	16,915
Vanguard Total Bond Market ETF	Com	921937835	1,205,705	16,393	SH		SOLE	0	16,393	0	0
Vanguard Total Bond Market ETF	Com	921937835	215,502	2,930	SH		OTR	0	2,930	0	0
Vanguard Total Bond Market Index	COM	921937835	182,992	2,488	SH		DFND	1	0	0	2,488
Vanguard Total Intl Stock Et	Com	921909768	16,229	280	SH		SOLE	0	280	0	0
Vanguard Total Intl Stock Et	Com	921909768	292,408	5,045	SH		OTR	0	5,045	0	0
Vanguard Total Stock Market	COM	922908769	7,937,381	33,460	SH		DFND	1	703	0	32,757
Vanguard Total Stock Market ET	Com	922908769	172,222	726	SH		SOLE	0	726	0	0
Vanguard Total Stock Market ET	Com	922908769	503,453	2,122	SH		OTR	0	2,122	0	0
Vanguard Value Etf	COM	922908744	8,309,958	55,585	SH		DFND	1	0	0	55,585
Vanguard Whitehall Funds	COM	921946406	26,233	235	SH		DFND	1	0	0	235
Vanguard World Fund - Utilities	COM	92204A876	30,599	223	SH		DFND	1	0	0	223
Veralto Corp	Com	92338C103	60,790	739	SH		SOLE	0	619	0	120
Veralto Corp	Com	92338C103	812,811	9,881	SH		OTR	0	9,789	39	53
Verizon Communications	Com	92343V104	2,038,288	54,066	SH		SOLE	0	51,274	830	1,962
Verizon Communications	Com	92343V104	1,811,862	48,060	SH		OTR	0	45,039	150	2,871
Verizon Communications Inc.	COM	92343V104	202,620	5,373	SH		DFND	1	178	0	5,195
Vestas Wind Sys As Utd	COM	925458101	14,162	1,350	SH		DFND	1	0	0	1,350
Viacomcbs Inc	COM	92556H206	5,480	371	SH		DFND	1	0	0	371
Viatris Inc	COM	92556V106	11,648	1,075	SH		DFND	1	4	0	1,071
Virtus Investment Partners, Inc.	COM	92828Q109	2,901	12	SH		DFND	1	0	0	12
Visa Inc Cl A	Com	92826C839	2,630,576	10,104	SH		SOLE	0	10,104	0	0
Visa Inc Cl A	Com	92826C839	1,907,845	7,328	SH		OTR	0	7,228	100	0
Visa Inc.	COM	92826C839	38,011	146	SH		DFND	1	0	0	146
Vision Technology Co	COM	92834D100	0	100	SH		DFND	1	0	0	100
Vodafone Group plc	COM	92857W209	5,072	583	SH		DFND	1	0	0	583
W E C ENERGY GROUP INC	COM	976657106	76,090	904	SH		DFND	1	904	0	0
Wabtec	COM	929740108	3,808	30	SH		DFND	1	0	0	30
Wal Mart Inc	Com	931142103	2,517,513	15,969	SH		SOLE	0	15,569	0	400
Wal Mart Inc	Com	931142103	2,506,004	15,896	SH		OTR	0	14,280	350	1,266
Walgreens Boots Alli	COM	931427108	4,178	160	SH		DFND	1	0	0	160
Wal-Mart Stores Inc.	COM	931142103	741,901	4,706	SH		DFND	1	0	0	4,706
Walt Disney Co.	COM	254687106	133,358	1,477	SH		DFND	1	0	0	1,477
Warner Bros Discovery Inc.	COM	934423104	29,167	2,563	SH		DFND	1	0	0	2,563
Waste Management Inc	Com	94106L109	226,741	1,266	SH		SOLE	0	1,266	0	0
Waste Management Inc	Com	94106L109	561,479	3,135	SH		OTR	0	2,905	0	230
Webster Finl Co	COM	947890109	2,586	51	SH		DFND	1	0	0	51
Wells Fargo & CO	Com	949746101	1,314,582	26,708	SH		SOLE	0	25,920	0	788
Wells Fargo & CO	Com	949746101	774,477	15,735	SH		OTR	0	12,950	600	2,185
Wells Fargo & Company	COM	949746101	42,351	860	SH		DFND	1	492	0	368
WELLTOWER INC REIT	COM	95040Q104	12,623	140	SH		DFND	1	140	0	0
Wendy's International Inc.	COM	95058W100	6,327	325	SH		DFND	1	0	0	325
Western Alliance Bancorporation	COM	957638109	6,672	101	SH		DFND	1	0	0	101
Westrock Co	COM	96145D105	14,781	356	SH		DFND	1	0	0	356
Weyerhaeuser CO REIT	Com	962166104	1,008,052	28,992	SH		OTR	0	28,722	0	270
WisdomTree MidCap Dividend	COM	97717W505	1,135,976	24,863	SH		DFND	1	0	0	24,863
WisdomTree MidCap Dividend ETF	Com	97717W505	2,126,595	46,544	SH		SOLE	0	45,878	0	666
WisdomTree MidCap Dividend ETF	Com	97717W505	280,719	6,144	SH		OTR	0	3,134	0	3,010
WisdomTree SmallCap Dividend	COM	97717W604	1,007,275	31,311	SH		DFND	1	0	0	31,311
WisdomTree SmallCap Dividend E	Com	97717W604	719,836	22,376	SH		SOLE	0	22,283	0	93
WisdomTree SmallCap Dividend E	Com	97717W604	30,722	955	SH		OTR	0	955	0	0
Wk Kellogg Co	COM	92942W107	604	46	SH		DFND	1	0	0	46
WYNN RESORTS	COM	983134107	15,895	174	SH		DFND	1	174	0	0
Xcel Energy Inc	COM	98389B100	78,192	1,263	SH		DFND	1	404	0	859
Xpo Logistics Inc	COM	983793100	11,299	129	SH		DFND	1	0	0	129
Xylem Inc	Com	98419M100	439,257	3,841	SH		SOLE	0	3,841	0	0
Xylem Inc	Com	98419M100	85,770	750	SH		OTR	0	750	0	0
Yum China Holdings, Inc.	COM	98850P109	7,765	183	SH		DFND	1	0	0	183
Yum! Brands Inc	Com	988498101	247,601	1,895	SH		SOLE	0	1,895	0	0
Yum! Brands Inc	Com	988498101	188,020	1,439	SH		OTR	0	1,439	0	0
Yum! Brands, Inc.	COM	988498101	29,921	229	SH		DFND	1	0	0	229
Zimmer Biomet Holdings Inc	Com	98956P102	438,485	3,603	SH		SOLE	0	3,413	0	190
Zimmer Biomet Holdings Inc	Com	98956P102	392,239	3,223	SH		OTR	0	2,849	49	325
Zoetis Inc	Com	98978V103	203,291	1,030	SH		SOLE	0	1,030	0	0
Zoetis Inc	Com	98978V103	1,838,699	9,316	SH		OTR	0	9,316	0	0
Zoetis Inc	COM	98978V103	86,251	437	SH		DFND	1	0	0	437