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
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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	169	33	SH		DFND	1	0	0	33
3m CO	Com	88579Y101	936,690	9,166	SH		SOLE	0	8,119	330	717
3m CO	Com	88579Y101	225,329	2,205	SH		OTR	0	2,140	65	0
3M Company	COM	88579Y101	10,219	100	SH		DFND	1	0	0	100
A P Moeller Maersk Ord	COM	K0514G135	25,473	15	SH		DFND	1	0	0	15
Abbott Laboratories	COM	002824100	69,308	667	SH		DFND	1	0	0	667
Abbott Labs	Com	002824100	7,871,183	75,750	SH		SOLE	0	74,850	0	900
Abbott Labs	Com	002824100	4,449,426	42,820	SH		OTR	0	40,884	576	1,360
Abbvie Inc	Com	00287Y109	5,010,271	29,211	SH		SOLE	0	28,911	0	300
Abbvie Inc	Com	00287Y109	4,820,741	28,106	SH		OTR	0	26,731	255	1,120
AbbVie Inc.	COM	00287Y109	138,074	805	SH		DFND	1	0	0	805
Aberdeen Std Physical Gold Shs ETF	COM	00326A104	67,199	3,027	SH		DFND	1	0	0	3,027
Aberdeen Std Physical Swiss Gold	COM	26922Y105	1,283,916	57,782	SH		DFND	1	0	0	57,782
Accenture plc	COM	G1151C101	11,833	39	SH		DFND	1	0	0	39
Accenture PLC Cl A	Com	G1151C101	305,837	1,008	SH		SOLE	0	1,008	0	0
Accenture PLC Cl A	Com	G1151C101	550,689	1,815	SH		OTR	0	1,785	30	0
Adobe Inc	Com	00724F101	1,355,518	2,440	SH		SOLE	0	2,440	0	0
Adobe Inc	Com	00724F101	989,972	1,782	SH		OTR	0	1,743	7	32
Advanced Micro Devices Inc	Com	007903107	103,652	639	SH		SOLE	0	639	0	0
Advanced Micro Devices Inc	Com	007903107	108,194	667	SH		OTR	0	667	0	0
Advanced Micro Devices, Inc.	COM	007903107	7,875	50	SH		DFND	1	30	0	20
Aflac Inc	Com	001055102	1,720,825	19,268	SH		SOLE	0	19,268	0	0
Aflac Inc	Com	001055102	367,868	4,119	SH		OTR	0	4,119	0	0
Agnico Eagle Mines Ltd	Com	008474108	41,398	633	SH		SOLE	0	633	0	0
Agnico Eagle Mines Ltd	Com	008474108	377,750	5,776	SH		OTR	0	5,776	0	0
Air Products & Chemicals Inc	Com	009158106	1,636,037	6,340	SH		SOLE	0	6,340	0	0
Air Products & Chemicals Inc	Com	009158106	1,227,286	4,756	SH		OTR	0	4,706	0	50
Air Products and Chemicals, Inc.	COM	009158106	11,870	46	SH		DFND	1	0	0	46
Alcon Inc	COM	H01301128	980	11	SH		DFND	1	0	0	11
Alibaba Group Hldg Ltd	COM	01609W102	14,400	200	SH		DFND	1	0	0	200
Allbirds Inc	COM	01675A109	25	50	SH		DFND	1	0	0	50
Allegion PLC	Com	G0176J109	79,397	672	SH		SOLE	0	672	0	0
Allegion PLC	Com	G0176J109	2,103,543	17,804	SH		OTR	0	17,804	0	0
AllianceBernstein Gl High IncFun	COM	01879R106	9,191	877	SH		DFND	1	0	0	877
ALLIANT ENERGY CORP	COM	018802108	141,072	2,764	SH		DFND	1	2,764	0	0
Allstate Corp	Com	020002101	208,995	1,309	SH		SOLE	0	1,309	0	0
Allstate Corp	Com	020002101	159,660	1,000	SH		OTR	0	1,000	0	0
Allstate Corporation	COM	200021014	15,966	100	SH		DFND	1	0	0	100
Alphabet Inc Cl A	Com	02079K305	16,672,425	91,531	SH		SOLE	0	90,471	0	1,060
Alphabet Inc Cl A	Com	02079K305	16,798,602	92,224	SH		OTR	0	89,585	0	2,639
Alphabet Inc Cl C	Com	02079K107	12,787,682	69,718	SH		SOLE	0	67,655	0	2,063
Alphabet Inc Cl C	Com	02079K107	17,049,990	92,956	SH		OTR	0	90,270	86	2,600
Alphabet Inc. Class A	COM	02079K305	546,970	3,000	SH		DFND	1	0	0	3,000
Alphabet Inc. Class C	COM	02079K107	360,762	1,966	SH		DFND	1	0	0	1,966
Altaba Inc Xxx	COM	021ESC017	0	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	622,122	13,658	SH		SOLE	0	12,883	0	775
Altria Group Inc	Com	02209S103	1,745,339	38,317	SH		OTR	0	37,617	0	700
Altria Group, Inc.	COM	02209S103	52,629	1,155	SH		DFND	1	0	0	1,155
Amazon.Com Inc	Com	023135106	8,636,922	44,693	SH		SOLE	0	44,433	0	260
Amazon.Com Inc	Com	023135106	8,764,661	45,354	SH		OTR	0	44,287	0	1,067
Amazon.com, Inc	COM	023135106	239,990	1,240	SH		DFND	1	0	0	1,240
Ambarella Inc	COM	G037AX101	540	10	SH		DFND	1	0	0	10
Amcor Plc	COM	G0250X107	17,594	1,799	SH		DFND	1	0	0	1,799
American Express CO	Com	025816109	2,442,158	10,547	SH		SOLE	0	10,397	0	150
American Express CO	Com	025816109	2,302,302	9,943	SH		OTR	0	9,657	0	286
American Intl Group Inc	COM	002687484	7,424	100	SH		DFND	1	0	0	100
American Tower Corp REIT	Com	03027X100	243,169	1,251	SH		SOLE	0	1,251	0	0
American Tower Corp REIT	Com	03027X100	85,916	442	SH		OTR	0	442	0	0
American Water Works CO Inc	Com	030420103	1,040,513	8,056	SH		SOLE	0	8,056	0	0
American Water Works CO Inc	Com	030420103	595,815	4,613	SH		OTR	0	3,825	100	688
Amgen Inc	Com	031162100	1,306,666	4,182	SH		SOLE	0	4,182	0	0
Amgen Inc	Com	031162100	501,170	1,604	SH		OTR	0	1,604	0	0
Amgen Inc.	COM	031162100	68,114	218	SH		DFND	1	0	0	218
Amphenol Corp	Com	032095101	902,489	13,396	SH		SOLE	0	12,396	0	1,000
Amphenol Corp	Com	032095101	1,237,452	18,368	SH		OTR	0	18,368	0	0
Amplify CWP Enhanced Dividend	Com	032108409	643,620	16,631	SH		SOLE	0	16,631	0	0
Amplify CWP Enhanced Dividend	Com	032108409	193,500	5,000	SH		OTR	0	5,000	0	0
Analog Devices Inc	Com	032654105	2,040,188	8,938	SH		SOLE	0	8,938	0	0
Analog Devices Inc	Com	032654105	339,194	1,486	SH		OTR	0	1,454	32	0
Aon PLC ADR	Com	G0403H108	134,460	458	SH		SOLE	0	458	0	0
Aon PLC ADR	Com	G0403H108	910,979	3,103	SH		OTR	0	3,103	0	0
APA Corporation	Com	03743Q108	250,476	8,508	SH		SOLE	0	8,508	0	0
APA Corporation	Com	03743Q108	14,720	500	SH		OTR	0	500	0	0
Apple Inc	Com	037833100	39,394,246	187,039	SH		SOLE	0	174,994	186	11,859
Apple Inc	Com	037833100	26,459,348	125,626	SH		OTR	0	120,128	1,745	3,753
Apple Inc.	COM	037833100	2,170,329	10,275	SH		DFND	1	0	0	10,275
Applied Materials Inc	Com	038222105	418,882	1,775	SH		SOLE	0	1,775	0	0
Applied Materials Inc	Com	038222105	521,538	2,210	SH		OTR		2,210	0	0
Aptiv Plc	COM	G6095L109	1,761	25	SH		DFND	1	0	0	25
Archer-Daniels-Midland Co.	COM	039483102	30,225	500	SH		DFND	1	0	0	500
ARK Autonomous Tech & Robotics E	COM	00214Q203	8,319	151	SH		DFND	1	0	0	151
Arrow Finl Corp	Com	042744102	164,506	6,315	SH		SOLE	0	0	0	6,315
Arrow Finl Corp	Com	042744102	142,311	5,463	SH		OTR	0	5,463	0	0
Asml Holding N V	Com	N07059210	75,682	74	SH		SOLE	0	74	0	0
Asml Holding N V	Com	N07059210	279,205	273	SH		OTR	0	273	0	0
AT&T Inc	Com	00206R102	1,664,457	87,099	SH		SOLE	0	82,012	435	4,652
AT&T Inc	Com	00206R102	884,029	46,260	SH		OTR	0	43,123	547	2,590
AT&T, Inc.	COM	00206R102	200,823	10,509	SH		DFND	1	0	0	10,509
Atmos Energy Corp	COM	049560105	14,231	122	SH		DFND	1	0	0	122
Auto Data Processing	COM	053015103	13,844	58	SH		DFND	1	0	0	58
Autodesk Inc	Com	052769106	212,065	857	SH		SOLE	0	857	0	0
Autoliv Inc	Com	052800109	1,062,732	9,933	SH		SOLE	0	8,889	0	1,044
Autoliv Inc	Com	052800109	1,149,715	10,746	SH		OTR	0	10,746	0	0
Automatic Data Processing Inc	Com	053015103	7,061,166	29,583	SH		SOLE	0	29,153	0	430
Automatic Data Processing Inc	Com	053015103	4,350,125	18,225	SH		OTR	0	17,391	115	719
Axis Capital H Pfd	COM	05461T305	4,224	200	SH		DFND	1	0	0	200
B & G Foods Inc	COM	05508R106	6,141	760	SH		DFND	1	0	0	760
Baidu Inc	COM	056752108	4,324	50	SH		DFND	1	0	0	50
BANK MONTREAL QUE F	COM	063671101	3,797,468	45,436	SH		DFND	1	45,436	0	0
Bank of America Corp	Com	060505104	2,490,795	62,630	SH		SOLE	0	62,198	0	432
Bank of America Corp	Com	060505104	490,642	12,337	SH		OTR	0	12,337	0	0
Bank of America Corporation	COM	060505104	130,622	3,283	SH		DFND	1	882	0	2,401
Bank of New York Mellon Corp	Com	064058100	590,515	9,860	SH		SOLE	0	9,860	0	0
Bank of New York Mellon Corp	Com	064058100	29,945	500	SH		OTR	0	0	0	500
Baxter Intl Inc	Com	071813109	220,134	6,581	SH		SOLE	0	6,581	0	0
Baxter Intl Inc	Com	071813109	61,481	1,838	SH		OTR	0	873	0	965
Becton Dickinson	Com	075887109	613,722	2,626	SH		SOLE	0	2,626	0	0
Becton Dickinson	Com	075887109	282,088	1,207	SH		OTR	0	1,194	13	0
Berkshire Hathaway Inc Class A	Com	084670108	3,061,205	5	SH		OTR	0	5	0	0
Berkshire Hathaway Inc.	COM	084670702	387,284	953	SH		DFND	1	100	0	853
Berkshire Hathaway Inc-Cl B	Com	084670702	6,885,497	16,926	SH		SOLE	0	16,671	30	225
Berkshire Hathaway Inc-Cl B	Com	084670702	8,887,360	21,847	SH		OTR	0	21,694	38	115
Best Buy Company Inc	Com	086516101	262,732	3,117	SH		SOLE	0	3,117	0	0
Best Buy Company Inc	Com	086516101	28,153	334	SH		OTR	0	334	0	0
Better Choice Co Inc	COM	08771Y303	445	114	SH		DFND	1	0	0	114
Bhp Billiton Ltd Adr	COM	088606108	12,327	216	SH		DFND	1	0	0	216
Blackrock Flexible	COM	092528603	2,819	54	SH		DFND	1	0	0	54
Blackrock Inc Cl A	Com	09247X101	1,760,448	2,236	SH		SOLE	0	2,226	0	10
Blackrock Inc Cl A	Com	09247X101	334,611	425	SH		OTR	0	375	0	50
Blackrock US Carbon Trns	COM	09290C509	32,021	539	SH		DFND	1	0	0	539
Blackrock US Eqy Fctr	COM	09290C103	11,500	245	SH		DFND	1	0	0	245
Blackrock Wrld Ex US	COM	09290C608	4,657	104	SH		DFND	1	0	0	104
Blackstone Inc	Com	09260D107	150,912	1,219	SH		SOLE	0	1,219	0	0
Blackstone Inc	Com	09260D107	720,021	5,816	SH		OTR	0	5,816	0	0
Boeing CO	Com	097023105	1,116,995	6,137	SH		SOLE	0	5,937	0	200
Boeing CO	Com	097023105	1,579,301	8,677	SH		OTR	0	8,661	16	0
Booking Hldgs Inc	Com	09857L108	221,844	56	SH		OTR	0	56	0	0
Boston Scientific Corp	Com	101137107	770	10	SH		SOLE	0	10	0	0
Boston Scientific Corp	Com	101137107	368,493	4,785	SH		OTR	0	4,785	0	0
BP PLC Spons ADR	Com	055622104	107,000	2,964	SH		SOLE	0	2,964	0	0
BP PLC Spons ADR	Com	055622104	226,708	6,280	SH		OTR	0	6,280	0	0
BrandywineGLOBAL - Global Inco	Com	10537L104	144,137	17,450	SH		SOLE	0	17,450	0	0
Brc Inc	COM	05601U105	3,525	575	SH		DFND	1	0	0	575
Brighthouse Financial, Inc.	COM	10922N103	477	11	SH		DFND	1	0	0	11
Bristol Myers Squibb CO	Com	110122108	1,878,277	45,227	SH		SOLE	0	42,447	660	2,120
Bristol Myers Squibb CO	Com	110122108	1,753,189	42,215	SH		OTR	0	41,586	69	560
Bristol-Myers Squibb Co.	COM	110122108	29,896	718	SH		DFND	1	248	0	470
Broadcom Inc	Com	11135F101	728,911	454	SH		SOLE	0	454	0	0
Broadcom Inc	Com	11135F101	1,425,711	888	SH		OTR	0	876	0	12
Brookfield Asset Mgmt Inc Cl A	Com	113004105	117,575	3,090	SH		SOLE	0	3,090	0	0
Brookfield Asset Mgmt Inc Cl A	Com	113004105	839,231	22,056	SH		OTR	0	22,056	0	0
Brookfield Renewable Corporation	COM	11284V105	2,441	86	SH		DFND	1	0	0	86
Builders Firstsource	COM	12008R107	276,820	2,000	SH		DFND	1	0	0	2,000
Cadence Design System Inc	Com	127387108	312,366	1,015	SH		SOLE	0	865	0	150
Canadian National Railway Comp	Com	136375102	237,914	2,014	SH		SOLE	0	2,014	0	0
Canadian National Railway Comp	Com	136375102	1,733,794	14,677	SH		OTR	0	14,677	0	0
Capital Southwest Corp	COM	140501107	715	27	SH		DFND	1	0	0	27
Cardinal Health Inc	Com	14149Y108	161,540	1,643	SH		SOLE	0	1,643	0	0
Cardinal Health Inc	Com	14149Y108	81,114	825	SH		OTR	0	825	0	0
Carrier Global Corp	COM	14448C104	7,822	124	SH		DFND	1	0	0	124
Carrier Global Corporation	Com	14448C104	2,398,428	38,022	SH		SOLE	0	37,108	100	814
Carrier Global Corporation	Com	14448C104	1,611,126	25,541	SH		OTR	0	23,856	1,066	619
Caterpillar Inc	Com	149123101	5,206,020	15,629	SH		SOLE	0	14,741	0	888
Caterpillar Inc	Com	149123101	5,807,932	17,436	SH		OTR	0	16,897	30	509
Caterpillar Inc	COM	149123101	4,109,723	12,589	SH		DFND	1	12,399	0	190
CDW Corp	Com	12514G108	186,235	832	SH		SOLE	0	832	0	0
CDW Corp	Com	12514G108	13,878	62	SH		OTR	0	45	17	0
Celsius Holdings Inc	COM	15118V207	5,709	100	SH		DFND	1	0	0	100
Chargepoint Hldgs Inc	COM	15961R105	294	195	SH		DFND	1	0	0	195
Charles Schwab Corp	Com	808513105	328,584	4,459	SH		SOLE	0	4,459	0	0
Charles Schwab Corp	Com	808513105	269,926	3,663	SH		OTR	0	3,663	0	0
Chevron Corp.	COM	166769572	50,839	325	SH		DFND	1	35	0	290
Chevron Corporation	Com	166764100	8,463,499	54,108	SH		SOLE	0	51,796	245	2,067
Chevron Corporation	Com	166764100	6,446,694	41,214	SH		OTR	0	39,318	360	1,536
Chimera Investment	COM	16934Q208	845	66	SH		DFND	1	0	0	66
Chipotle Mexican Grill Inc	Com	169656105	883,365	14,100	SH		SOLE	0	14,100	0	0
Chipotle Mexican Grill Inc	Com	169656105	93,975	1,500	SH		OTR	0	900	0	600
Chubb Ltd	Com	H1467J104	1,038,176	4,070	SH		SOLE	0	4,020	0	50
Chubb Ltd	Com	H1467J104	1,306,010	5,120	SH		OTR	0	5,001	30	89
Cigna Group	Com	125523100	337,843	1,022	SH		SOLE	0	985	0	37
Cisco Systems Inc	Com	17275R102	5,537,671	116,558	SH		SOLE	0	111,691	0	4,867
Cisco Systems Inc	Com	17275R102	3,600,118	75,776	SH		OTR	0	73,849	710	1,217
Cisco Systems, Inc.	COM	17275R102	62,483	1,315	SH		DFND	1	26	0	1,289
Citigroup Inc	Com	172967424	278,589	4,390	SH		SOLE	0	4,390	0	0
Citigroup Inc	Com	172967424	316,031	4,980	SH		OTR	0	4,980	0	0
Citigroup, Inc.	COM	172967424	41,249	650	SH		DFND	1	0	0	650
Citizens Financial Group, Inc.	COM	174610105	39,849	1,106	SH		DFND	1	0	0	1,106
Citizens Finl Svcs	COM	174615104	53,883	1,199	SH		DFND	1	0	0	1,199
Clearway Energy Inc	COM	18539C204	57,602	2,333	SH		DFND	1	0	0	2,333
Clorox Co	COM	189054109	13,783	101	SH		DFND	1	0	0	101
Clorox Company	Com	189054109	511,490	3,748	SH		SOLE	0	3,748	0	0
Clorox Company	Com	189054109	253,834	1,860	SH		OTR	0	1,375	0	485
CME Group Inc.	Com	12572Q105	285,856	1,454	SH		SOLE	0	1,454	0	0
CME Group Inc.	Com	12572Q105	39,910	203	SH		OTR	0	163	40	0
Coca Cola CO	Com	191216100	4,617,998	72,553	SH		SOLE	0	66,966	603	4,984
Coca Cola CO	Com	191216100	1,512,133	23,757	SH		OTR	0	18,948	84	4,725
Cohen & Steers Quality Income Re	COM	19247L106	1,168	100	SH		DFND	1	0	0	100
Coinbase Global Inc	COM	19260Q107	33,335	150	SH		DFND	1	0	0	150
Colgate Palmolive CO	Com	194162103	1,847,448	19,038	SH		SOLE	0	17,311	277	1,450
Colgate Palmolive CO	Com	194162103	281,901	2,905	SH		OTR	0	2,255	0	650
Colgate-Palmolive Co	COM	194162103	37,749	389	SH		DFND	1	0	0	389
ComCast Corp-Cl A	Com	20030N101	984,835	25,149	SH		SOLE	0	22,039	0	3,110
ComCast Corp-Cl A	Com	20030N101	555,210	14,178	SH		OTR	0	11,973	913	1,292
Comcast Corporation	COM	20030N101	34,069	870	SH		DFND	1	0	0	870
Commonwealth 6.5 PFD Series D C	COM	294628201	2,491	100	SH		DFND	1	0	0	100
Communication Services Select	Com	81369Y852	156,073	1,822	SH		SOLE	0	1,822	0	0
Communication Services Select	Com	81369Y852	281,050	3,281	SH		OTR	0	3,001	280	0
Conmed Corp	COM	207410101	7,071	102	SH		DFND	1	0	0	102
Conocophillips	Com	20825C104	1,140,826	9,974	SH		SOLE	0	9,943	31	0
Conocophillips	Com	20825C104	501,099	4,381	SH		OTR	0	4,231	150	0
Conocophillips	COM	20825C104	16,242	142	SH		DFND	1	0	0	142
Consolidated Edison Inc.	COM	209115104	171,970	1,923	SH		DFND	1	0	0	1,923
Constellation Brands Inc	Com	21036P108	7,718	30	SH		SOLE	0	30	0	0
Constellation Brands Inc	Com	21036P108	278,120	1,081	SH		OTR	0	1,081	0	0
Consumer Discretionary Selt	Com	81369Y407	1,738,090	9,529	SH		SOLE	0	7,699	0	1,830
Consumer Discretionary Selt	Com	81369Y407	175,651	963	SH		OTR	0	504	355	104
Consumer Staples Select Sector	Com	81369Y308	578,049	7,548	SH		SOLE	0	6,198	0	1,350
Consumer Staples Select Sector	Com	81369Y308	46,407	606	SH		OTR	0	130	305	171
Corning Inc	Com	219350105	312,315	8,039	SH		SOLE	0	8,039	0	0
Corning Inc	Com	219350105	205,905	5,300	SH		OTR	0	4,600	700	0
Corning Inc.	COM	219350105	281,600	7,248	SH		DFND	1	0	0	7,248
Corteva Inc	COM	22052L104	11,166	207	SH		DFND	1	0	0	207
Corteva Inc Com	Com	22052L104	272,936	5,060	SH		SOLE	0	4,969	0	91
Corteva Inc Com	Com	22052L104	453,905	8,415	SH		OTR	0	8,415	0	0
Costco Wholesale Corp	Com	22160K105	6,805,020	8,006	SH		SOLE	0	7,931	0	75
Costco Wholesale Corp	Com	22160K105	8,937,645	10,515	SH		OTR	0	9,924	0	591
Costco Wholesale Corporation	COM	22160K105	140,248	165	SH		DFND	1	0	0	165
Crown Castle Inc	Com	22822V101	149,970	1,535	SH		SOLE	0	1,535	0	0
Crown Castle Inc	Com	22822V101	586,982	6,008	SH		OTR	0	6,008	0	0
Csx Corp	Com	126408103	287,603	8,598	SH		SOLE	0	8,598	0	0
Csx Corp	Com	126408103	211,872	6,334	SH		OTR	0	6,334	0	0
Cummins Inc	Com	231021106	227,913	823	SH		SOLE	0	823	0	0
Cummins Inc	Com	231021106	173,081	625	SH		OTR	0	600	25	0
CVS Health Corp	Com	126650100	2,036,165	34,476	SH		SOLE	0	33,451	0	1,025
CVS Health Corp	Com	126650100	859,382	14,551	SH		OTR	0	13,231	239	1,081
D R Horton Inc	Com	23331A109	327,662	2,325	SH		OTR	0	2,325	0	0
Danaher Corp	Com	235851102	6,146,810	24,602	SH		SOLE	0	22,682	0	1,920
Danaher Corp	Com	235851102	6,075,103	24,315	SH		OTR	0	23,025	120	1,170
Deere & CO	Com	244199105	4,983,889	13,339	SH		SOLE	0	12,562	13	764
Deere & CO	Com	244199105	8,550,523	22,885	SH		OTR	0	22,651	70	164
Deere & Company	COM	244199105	3,877	10	SH		DFND	1	0	0	10
Deutsche Bank Ag ADR	Com	D18190898	159,580	10,000	SH		SOLE	0	10,000	0	0
Devon Energy Corporation	COM	25179M103	4,740	100	SH		DFND	1	0	0	100
Diageo Plc	COM	25243Q205	6,052	48	SH		DFND	1	0	0	48
Dicks Sporting Goods Inc	Com	253393102	889,261	4,139	SH		SOLE	0	3,391	0	748
Dicks Sporting Goods Inc	Com	253393102	54,357	253	SH		OTR	0	253	0	0
Dick's Sporting Goods Inc.	COM	253393102	22,562	105	SH		DFND	1	0	0	105
Digital Realty Trust Inc REIT	Com	253868103	275,819	1,814	SH		SOLE	0	1,814	0	0
Digital World Acquisitio	COM	25400Q105	16,899	516	SH		DFND	1	0	0	516
Dimensional Intern Core	COM	25434V203	21,392	721	SH		DFND	1	0	0	721
Dimensional U.S. Equity ETF	COM	25434V401	2,263,764	38,463	SH		DFND	1	0	0	38,463
Dimensional World ex U.S. Core E	COM	25434V880	564,434	22,194	SH		DFND	1	0	0	22,194
Disney Walt CO New	Com	254687106	4,086,412	41,156	SH		SOLE	0	39,834	0	1,322
Disney Walt CO New	Com	254687106	3,254,627	32,779	SH		OTR	0	31,006	519	1,254
DNP Select Income Fund Inc	COM	23325P104	21,643	2,633	SH		DFND	1	0	0	2,633
Dominion Resources Inc	Com	25746U109	486,423	9,927	SH		SOLE	0	9,617	0	310
Dominion Resources Inc	Com	25746U109	385,679	7,871	SH		OTR	0	5,941	0	1,930
Dominion Resources, Inc.	COM	25746U109	102,675	2,095	SH		DFND	1	30	0	2,065
Dover Corp	Com	260003108	177,563	984	SH		SOLE	0	584	0	400
Dover Corp	Com	260003108	81,203	450	SH		OTR	0	450	0	0
Dow Inc Com	Com	260557103	1,065,191	20,079	SH		SOLE	0	19,988	0	91
Dow Inc Com	Com	260557103	902,911	17,020	SH		OTR	0	15,428	0	1,592
DTE Energy Co	Com	233331107	297,951	2,684	SH		SOLE	0	2,684	0	0
Duke Energy Corp	Com	26441C204	454,443	4,534	SH		SOLE	0	4,249	285	0
Duke Energy Corp	Com	26441C204	125,488	1,252	SH		OTR	0	1,252	0	0
Dupont De Nemours Inc	Com	26614N102	1,145,051	14,226	SH		SOLE	0	14,135	0	91
Dupont De Nemours Inc	Com	26614N102	926,359	11,509	SH		OTR	0	11,297	34	178
Dutch Bros Inc	COM	26701L100	2,070	50	SH		DFND	1	0	0	50
E3 Lithium Ltd	COM	26925V108	530	500	SH		DFND	1	0	0	500
Eaton Corp PLC	Com	G29183103	1,658,052	5,288	SH		SOLE	0	5,288	0	0
Eaton Corp PLC	Com	G29183103	2,082,286	6,641	SH		OTR	0	5,859	0	782
Eaton Corp Plc	COM	G29183103	19,754	63	SH		DFND	1	0	0	63
Eaton Vance Tax Man Gl D	COM	27829F108	6,760	800	SH		DFND	1	0	0	800
Ebay Inc	Com	278642103	268,600	5,000	SH		SOLE	0	5,000	0	0
Ecolab Inc	Com	278865100	1,461,320	6,140	SH		SOLE	0	6,140	0	0
Ecolab Inc	Com	278865100	686,630	2,885	SH		OTR	0	2,435	0	450
EI DuPont de Nemours & Co.	COM	26614N102	16,661	207	SH		DFND	1	0	0	207
Emerson Elec CO	Com	291011104	1,538,605	13,967	SH		SOLE	0	13,967	0	0
Emerson Elec CO	Com	291011104	430,726	3,910	SH		OTR	0	3,910	0	0
Enbridge Incorporated	Com	29250N105	304,401	8,553	SH		SOLE	0	8,553	0	0
Enbridge Incorporated	Com	29250N105	74,454	2,092	SH		OTR	0	2,092	0	0
Energy Select Sector SPDR	Com	81369Y506	1,016,283	11,150	SH		SOLE	0	9,743	0	1,407
Energy Select Sector SPDR	Com	81369Y506	223,956	2,457	SH		OTR	0	2,244	80	133
Energy Select Sector SPDR	COM	81369Y506	13,673	150	SH		DFND	1	0	0	150
Enterprise Prods Partners LP	Com	293792107	47,759	1,648	SH		SOLE	0	1,648	0	0
Enterprise Prods Partners LP	Com	293792107	466,578	16,100	SH		OTR	0	16,100	0	0
Eog Res Inc	Com	26875P101	152,429	1,211	SH		SOLE	0	1,211	0	0
Eog Res Inc	Com	26875P101	134,177	1,066	SH		OTR	0	1,066	0	0
Etsy, Inc.	COM	29786A106	17,694	300	SH		DFND	1	0	0	300
Exxon Mobil Corporation	COM	30231G102	900,064	7,815	SH		DFND	1	149	0	7,666
Exxonmobil Corp	Com	30231G102	12,375,630	107,502	SH		SOLE	0	103,854	527	3,121
Exxonmobil Corp	Com	30231G102	8,285,877	71,976	SH		OTR	0	69,093	660	2,223
Fastenal CO	Com	311900104	87,976	1,400	SH		SOLE	0	1,400	0	0
Fastenal CO	Com	311900104	451,820	7,190	SH		OTR	0	7,190	0	0
Fedex Corporation	Com	31428X106	321,728	1,073	SH		SOLE	0	1,073	0	0
FedEx Corporation	COM	31428X106	14,992	50	SH		DFND	1	0	0	50
Financial Select Sector SPDR	Com	81369Y605	1,181,954	28,751	SH		SOLE	0	26,062	0	2,689
Financial Select Sector SPDR	Com	81369Y605	48,756	1,186	SH		OTR	0	1,010	176	0
First Solar Inc	Com	336433107	22,546	100	SH		SOLE	0	100	0	0
First Solar Inc	Com	336433107	512,922	2,275	SH		OTR	0	2,275	0	0
First Solar Inc	COM	336433107	7,666	34	SH		DFND	1	0	0	34
First Trust DW Dynamic Focus 5	COM	33738R878	544,265	15,445	SH		DFND	1	0	0	15,445
First Trust DW Focus 5	COM	33738R605	1,548,432	28,874	SH		DFND	1	0	0	28,874
First Trust DW Int'l Focus	COM	33738R886	10,700	544	SH		DFND	1	0	0	544
First Trust Enhanced Short Matur	COM	33739Q408	471,680	7,914	SH		DFND	1	0	0	7,914
First Trust ISE Water Index Fd	COM	33733B100	471,406	4,715	SH		DFND	1	0	0	4,715
First Trust Low Duration	COM	33739Q200	395,355	8,228	SH		DFND	1	0	0	8,228
First Trust Morningstar Div	COM	336917109	11,189	295	SH		DFND	1	0	0	295
First Trust NASDAQ Cln EdgeSt	COM	33737A108	84,720	733	SH		DFND	1	0	0	733
First TRUST Preferred	COM	33739E108	83,762	4,825	SH		DFND	1	0	0	4,825
First Trust Rising Dividend	COM	33738R506	834,796	15,249	SH		DFND	1	0	0	15,249
First Trust Senior Loan	COM	33738D309	312,245	6,831	SH		DFND	1	0	0	6,831
First Trust Small Cap AlphaDEX	COM	33734Y109	23,248	257	SH		DFND	1	0	0	257
First Trust Value Line Div Index	COM	33734H106	750,310	18,413	SH		DFND	1	0	0	18,413
First Trust Value Line Dividen	Com	33734H106	1,222,500	30,000	SH		SOLE	0	30,000	0	0
FirstTrust NASDAQ Clean Edge Gre	COM	33733E500	1,190	35	SH		DFND	1	0	0	35
Fiserv Inc	Com	337738108	625,223	4,195	SH		SOLE	0	4,195	0	0
Fiserv Inc	Com	337738108	345,028	2,315	SH		OTR	0	2,315	0	0
FLAHERTY CRUMRINE TOTAL	COM	338479108	8,782	568	SH		DFND	1	568	0	0
Flexshares Disciplined Duratio	Com	33939L779	340,627	16,790	SH		SOLE	0	16,790	0	0
FlexShares Global Quality Real	Com	33939L787	746,983	13,685	SH		SOLE	0	13,685	0	0
FlexShares Global Quality Real	Com	33939L787	18,449	338	SH		OTR	0	338	0	0
FlexShares Global Quality Real E	COM	33939L787	3,603	66	SH		DFND	1	0	0	66
FlexShares International Quali	Com	33939L837	338,481	13,610	SH		SOLE	0	13,610	0	0
FlexShares Mstar Glbl Upstrm N	Com	33939L407	43,162,301	1,075,294	SH		SOLE	0	1,070,333	0	4,961
FlexShares Mstar Glbl Upstrm N	Com	33939L407	3,008,894	74,960	SH		OTR	0	73,330	340	1,290
FlexShares Real Assets Allocat	Com	33939L738	354,317	11,750	SH		SOLE	0	11,750	0	0
FlexShares STOXX Glbl Brd Infr	Com	33939L795	5,386,126	101,262	SH		SOLE	0	101,262	0	0
FlexShares STOXX Glbl Brd Infr	Com	33939L795	965,399	18,150	SH		OTR	0	17,910	0	240
FlexShares STOXX Global Broad In	COM	33939L795	3,298	62	SH		DFND	1	0	0	62
Flexshares Upstream	COM	33939L407	7,386	184	SH		DFND	1	0	0	184
Ford Motor Co.	COM	345370860	38,937	3,105	SH		DFND	1	0	0	3,105
Fortive Corp	Com	34959J108	697,874	9,418	SH		SOLE	0	9,018	0	400
Fortive Corp	Com	34959J108	959,225	12,945	SH		OTR	0	12,101	50	794
Freeport-McMoran Inc	Com	35671D857	398,617	8,202	SH		SOLE	0	8,202	0	0
Freeport-McMoran Inc	Com	35671D857	389,966	8,024	SH		OTR	0	6,240	59	1,725
FT Energy Income Partners Enhanc	COM	33740F276	10,739	578	SH		DFND	1	0	0	578
Gabelli Dividend & Incom	COM	36242H104	8,017	353	SH		DFND	1	0	0	353
GE Aerospace	Com	369604301	1,515,779	9,535	SH		SOLE	0	9,181	0	354
GE Aerospace	Com	369604301	358,954	2,258	SH		OTR	0	2,249	0	9
Ge Healthcare Technologi	COM	36266G107	24,620	317	SH		DFND	1	58	0	259
GE Healthcare Technologies Inc	Com	36266G107	248,721	3,192	SH		SOLE	0	3,192	0	0
GE Healthcare Technologies Inc	Com	36266G107	260,487	3,343	SH		OTR	0	3,343	0	0
GE Vernova Inc	Com	36828A101	304,945	1,778	SH		SOLE	0	1,690	0	88
GE Vernova Inc	Com	36828A101	95,360	556	SH		OTR	0	554	0	2
Ge Vernova Inc	COM	36828A101	36,453	213	SH		DFND	1	19	0	194
General Dynamics Corp	Com	369550108	4,545,623	15,667	SH		SOLE	0	15,517	0	150
General Dynamics Corp	Com	369550108	452,038	1,558	SH		OTR	0	1,539	19	0
General Dynamics Corp.	COM	369550108	16,828	58	SH		DFND	1	0	0	58
General Electric Co.	COM	369604301	69,330	437	SH		DFND	1	78	0	359
General Mls Inc	Com	370334104	2,074,139	32,788	SH		SOLE	0	31,987	0	801
General Mls Inc	Com	370334104	299,536	4,735	SH		OTR	0	4,735	0	0
General Motors Company	COM	37045V100	2,323	50	SH		DFND	1	0	0	50
Genuine Parts CO	Com	372460105	266,404	1,926	SH		SOLE	0	1,926	0	0
Genuine Parts Co	COM	372460105	11,619	84	SH		DFND	1	0	0	84
Gerdau S.A.	COM	373737105	1,036	314	SH		DFND	1	0	0	314
Gilead Sciences Inc	Com	375558103	384,147	5,599	SH		SOLE	0	5,599	0	0
Gilead Sciences Inc	Com	375558103	279,654	4,076	SH		OTR	0	4,076	0	0
Gilead Sciences Inc.	COM	375558103	3,431	50	SH		DFND	1	0	0	50
Gldmn Schs Acs Inv Grd	COM	381430479	2,353	52	SH		DFND	1	0	0	52
Global X Lithium Battery	COM	37954Y855	25,265	651	SH		DFND	1	0	0	651
GLOBAL X ROBOTICS ARTFCLINTLGNC ETF	COM	37954Y715	12,694	413	SH		DFND	1	413	0	0
Global X US Preferred ETF	Com	37954Y657	236,160	12,000	SH		OTR	0	12,000	0	0
Goldman Sachs Group Inc	Com	38141G104	1,587,643	3,510	SH		SOLE	0	3,490	20	0
Goldman Sachs Group Inc	Com	38141G104	1,698,009	3,754	SH		OTR	0	3,754	0	0
Goldman Sachs Group Inc	COM	38141G104	16,284	36	SH		DFND	1	0	0	36
Golub Cap Bdc Inc	Com	38173M102	193,233	12,300	SH		SOLE	0	12,300	0	0
Golub Cap Bdc Inc	Com	38173M102	1,036,656	65,987	SH		OTR	0	65,987	0	0
GOODYEAR TIRE RUBBER	COM	382550101	7,896	705	SH		DFND	1	705	0	0
Grainger W W Inc	Com	384802104	6,248,914	6,926	SH		SOLE	0	6,926	0	0
Grainger W W Inc	Com	384802104	1,224,340	1,357	SH		OTR	0	673	100	584
Graphic Packaging Holding Compan	COM	388689101	7,050	269	SH		DFND	1	0	0	269
Greenpower Motor Co	COM	39540E302	370	356	SH		DFND	1	0	0	356
GSK PLC Sponsored ADR	Com	37733W204	340,417	8,842	SH		SOLE	0	8,842	0	0
GSK PLC Sponsored ADR	Com	37733W204	132,633	3,445	SH		OTR	0	2,845	0	600
Gxo Logistics Inc	COM	36262G101	6,515	129	SH		DFND	1	0	0	129
HARLEY DAVIDSON INC	COM	412822108	922	28	SH		DFND	1	28	0	0
Health Care Select Sector SPDR	Com	81369Y209	1,267,343	8,695	SH		SOLE	0	8,164	0	531
Health Care Select Sector SPDR	Com	81369Y209	21,863	150	SH		OTR	0	150	0	0
Hershey Co.	COM	427866108	154,785	842	SH		DFND	1	0	0	842
Home Depot Inc	Com	437076102	2,767,424	8,039	SH		SOLE	0	7,738	0	301
Home Depot Inc	Com	437076102	3,007,625	8,737	SH		OTR	0	7,737	150	850
Honda Motor Co Ltd	COM	438128308	20,956	650	SH		DFND	1	0	0	650
Honeywell International Inc	Com	438516106	4,920,389	23,042	SH		SOLE	0	22,127	0	915
Honeywell International Inc	Com	438516106	1,736,080	8,130	SH		OTR	0	7,131	220	779
Honeywell Intl Inc	COM	438516106	10,677	50	SH		DFND	1	0	0	50
Hormel Foods Corp	COM	440452100	9,360	307	SH		DFND	1	0	0	307
iCAD, Inc.	COM	44934S206	393	302	SH		DFND	1	0	0	302
IDEXX Laboratories, Inc.	COM	45168D104	5,846	12	SH		DFND	1	0	0	12
Illinois Tool Wks Inc	Com	452308109	460,176	1,942	SH		SOLE	0	1,942	0	0
Illinois Tool Wks Inc	Com	452308109	240,988	1,017	SH		OTR	0	1,017	0	0
Illinois Tool Works Inc.	COM	452308109	14,692	62	SH		DFND	1	0	0	62
Industrial Select Sector SPDR	Com	81369Y704	1,141,053	9,363	SH		SOLE	0	9,102	0	261
Industrial Select Sector SPDR	Com	81369Y704	63,494	521	SH		OTR	0	435	0	86
Ingersoll Rand Inc	Com	45687V106	263,254	2,898	SH		SOLE	0	2,898	0	0
Ingersoll Rand Inc	Com	45687V106	5,051,976	55,614	SH		OTR	0	55,614	0	0
Ingevity Corp	COM	45688C107	306	7	SH		DFND	1	0	0	7
Innovative Industrial Properties	COM	45781V101	2,551	23	SH		DFND	1	0	0	23
Innovator Etfs Tr	Com	45782C813	252,059	6,488	SH		OTR	0	6,488	0	0
Intel Corp	Com	458140100	2,081,184	67,200	SH		SOLE	0	64,797	903	1,500
Intel Corp	Com	458140100	757,247	24,451	SH		OTR	0	22,936	1,015	500
Intercontinental Exchange Inc	Com	45866F104	1,156,721	8,450	SH		SOLE	0	8,450	0	0
Intercontinental Exchange Inc	Com	45866F104	65,297	477	SH		OTR	0	477	0	0
Intl Business Machines Corp.	COM	459200101	553,405	3,199	SH		DFND	1	168	0	3,031
Intl. Business Machines Corp	Com	459200101	4,102,423	23,720	SH		SOLE	0	21,624	395	1,701
Intl. Business Machines Corp	Com	459200101	3,158,413	18,262	SH		OTR	0	16,714	0	1,548
Intuit	Com	461202103	110,411	168	SH		SOLE	0	168	0	0
Intuit	Com	461202103	925,352	1,408	SH		OTR	0	1,408	0	0
Intuitive Surgical	COM	46120E602	41,371	93	SH		DFND	1	0	0	93
Intuitive Surgical Inc	Com	46120E602	60,055	135	SH		SOLE	0	135	0	0
Intuitive Surgical Inc	Com	46120E602	646,367	1,453	SH		OTR	0	1,453	0	0
Invesco QQQ Trust	COM	46090E103	27,309	57	SH		DFND	1	0	0	57
Invesco S&P 500 Equal Weight E	Com	46137V357	316,403	1,926	SH		SOLE	0	1,926	0	0
Invesco S&P 500 Low Volatility E	COM	46138E354	67,093	1,033	SH		DFND	1	0	0	1,033
Invesco SP 500 Low Volatility	Com	46138E354	226,870	3,493	SH		SOLE	0	3,493	0	0
Invesco Tr II Senior Loan ETF	Com	46138G508	176,526	8,390	SH		SOLE	0	8,390	0	0
Invesco Tr II Senior Loan ETF	Com	46138G508	92,050	4,375	SH		OTR	0	4,375	0	0
Ionis Pharmaceuticals Inc	Com	462222100	812,603	17,050	SH		OTR	0	17,050	0	0
IQVIA Holdings Inc	Com	46266C105	175,495	830	SH		SOLE	0	830	0	0
IQVIA Holdings Inc	Com	46266C105	981,293	4,641	SH		OTR	0	4,641	0	0
Ishar Tru Esg Awr Usd	COM	46435G193	11,633	512	SH		DFND	1	0	0	512
ISHARE ROBOT ARTIF INTELMULTSEC ETF	COM	46435U556	12,771	386	SH		DFND	1	386	0	0
iShares 0-5 Year High Yield Corp	COM	46434V407	26,375	625	SH		DFND	1	0	0	625
iShares 0-5 Year TIPS Bond ETF	COM	46429B747	4,776	48	SH		DFND	1	0	0	48
IShares 0-5 Yr TIPs ETF	Com	46429B747	5,710,229	57,395	SH		SOLE	0	57,395	0	0
IShares 0-5 Yr TIPs ETF	Com	46429B747	1,858,473	18,680	SH		OTR	0	17,804	265	611
Ishares 10-20 Year Tsury	COM	464288653	93,858	919	SH		DFND	1	0	0	919
Ishares 1-3 Year Treasury ETF	Com	464287457	5,467,937	66,968	SH		SOLE	0	66,568	0	400
iShares 20 Year Treasury Bond	COM	464287432	30,104	328	SH		DFND	1	0	0	328
Ishares 3-7 Year Treasury Bond	Com	464288661	1,065,788	9,230	SH		SOLE	0	9,230	0	0
Ishares 5-10 Yr Inv Gr Corp Bd	Com	464288638	196,428	3,832	SH		SOLE	0	3,832	0	0
Ishares 5-10 Yr Inv Gr Corp Bd	Com	464288638	164,032	3,200	SH		OTR	0	3,200	0	0
Ishares Barclays 7-10 Year Tr	Com	464287440	252,387	2,695	SH		SOLE	0	2,695	0	0
Ishares Barclays Mbs Bond ETF	Com	464288588	734,021	7,995	SH		SOLE	0	7,995	0	0
Ishares Barclays TIPS Bond ETF	Com	464287176	226,587	2,122	SH		SOLE	0	2,122	0	0
Ishares Barclays TIPS Bond ETF	Com	464287176	21,356	200	SH		OTR	0	200	0	0
iShares Broad USD High Yield Corporate Bond ETF	COM	46435U853	4,257	118	SH		DFND	1	0	0	118
iShares Convertible Bond ETF	COM	46435G102	58,909	750	SH		DFND	1	0	0	750
iShares Core Aggressive ETF	COM	464289859	51,075	683	SH		DFND	1	0	0	683
Ishares Core Emerging Markets	Com	46434G103	2,277,113	42,539	SH		SOLE	0	42,539	0	0
Ishares Core Emerging Markets	Com	46434G103	942,556	17,608	SH		OTR	0	16,883	725	0
iShares Core Growth ETF	COM	464289867	4,513,935	80,148	SH		DFND	1	0	0	80,148
iShares Core High Dividend ETF	Com	46429B663	935,472	8,606	SH		SOLE	0	8,606	0	0
iShares Core High Dividend ETF	COM	46429B663	160,697	1,478	SH		DFND	1	0	0	1,478
iShares Core Intl Aggregate Bond	COM	46435G672	1,298	26	SH		DFND	1	0	0	26
IShares Core Intnl Agg Bond ET	Com	46435G672	531,498	10,647	SH		SOLE	0	10,647	0	0
IShares Core Intnl Agg Bond ET	Com	46435G672	61,901	1,240	SH		OTR	0	1,240	0	0
iShares Core Moderate Allocation	COM	464289875	3,226	75	SH		DFND	1	0	0	75
Ishares Core Msci Eafe ETF	Com	46432F842	7,836,040	107,875	SH		SOLE	0	107,825	0	50
Ishares Core Msci Eafe ETF	Com	46432F842	1,123,014	15,460	SH		OTR	0	15,460	0	0
iShares Core MSCI EM ETF	COM	46434G103	54,868	1,025	SH		DFND	1	0	0	1,025
iShares Core MSCI Total Int'l St	COM	46432F834	4,193,787	62,075	SH		DFND	1	0	0	62,075
iShares Core S&P 500	COM	464287200	2,320,402	4,240	SH		DFND	1	0	0	4,240
Ishares Core S&P 500 ETF	Com	464287200	2,179,070	3,982	SH		SOLE	0	3,982	0	0
iShares Core S&P Mid-Cap	COM	464287507	49,157	840	SH		DFND	1	0	0	840
Ishares Core S&P Mid-Cap ETF	Com	464287507	2,848,578	48,677	SH		SOLE	0	48,677	0	0
Ishares Core S&P Mid-Cap ETF	Com	464287507	1,129,143	19,295	SH		OTR	0	18,570	0	725
iShares Core S&P Small-Cap	COM	464287804	121,092	1,138	SH		DFND	1	0	0	1,138
Ishares Core S&P Small-Cap ETF	Com	464287804	1,346,263	12,622	SH		SOLE	0	12,622	0	0
Ishares Core S&P Small-Cap ETF	Com	464287804	42,664	400	SH		OTR	0	400	0	0
Ishares Core S&P US	COM	464287671	13,896,467	109,009	SH		DFND	1	0	0	109,009
Ishares Core Total U.S. Aggreg	Com	464287226	445,357	4,588	SH		SOLE	0	4,588	0	0
Ishares Core Total U.S. Aggreg	Com	464287226	168,805	1,739	SH		OTR	0	516	0	1,223
iShares Core US Aggregate Bond E	COM	464287226	5,049,636	52,024	SH		DFND	1	0	0	52,024
Ishares DJ Select Dividend ETF	Com	464287168	223,692	1,849	SH		SOLE	0	1,849	0	0
Ishares DJ Select Dividend ETF	Com	464287168	18,147	150	SH		OTR	0	150	0	0
iShares DJ US Consumer Goods	COM	464287812	12,821	195	SH		DFND	1	0	0	195
Ishares DJ US Telcom Sector ET	Com	464287713	387,159	17,825	SH		SOLE	0	17,825	0	0
Ishares DJ US Telcom Sector ET	Com	464287713	449,626	20,701	SH		OTR	0	20,501	200	0
iShares DowJones EPAC Select D	COM	464288448	69,981	2,527	SH		DFND	1	0	0	2,527
iShares Edge MSCI Min Vol USA	COM	46429B697	125,502	1,495	SH		DFND	1	0	0	1,495
iShares Edge MSCI USA Value Fact	COM	46432F388	35,679	345	SH		DFND	1	0	0	345
Ishares Esg Advanced	COM	46436E759	10,923	162	SH		DFND	1	0	0	162
Ishares Esg Advanced	COM	46436E767	10,923	162	SH		DFND	1	0	0	162
iShares ESG Aware MSCI USA ETF	Com	46435G425	205,230	1,720	SH		SOLE	0	1,720	0	0
iShares ESG MSCI EM	COM	46434G863	28,841	860	SH		DFND	1	0	0	860
iShares ESG MSCI USA	COM	46435G425	1,071,374	8,979	SH		DFND	1	0	0	8,979
iShares ESG U.S. Aggregate Bond	COM	46435U549	6,106	131	SH		DFND	1	0	0	131
Ishares Fallen Angels	COM	46435G474	110,153	4,217	SH		DFND	1	0	0	4,217
iShares Global Energy	COM	464287341	1,909	46	SH		DFND	1	0	0	46
iShares Global Financials ETF	COM	464287333	25,904	304	SH		DFND	1	0	0	304
iShares Global Tech	COM	464287291	72,889	880	SH		DFND	1	0	0	880
iShares GSCI Commodity Dynamic R	COM	46431W853	29,768	1,090	SH		DFND	1	0	0	1,090
Ishares Iboxx High Yield	COM	464288513	1,234,223	16,002	SH		DFND	1	0	0	16,002
Ishares IBoxx High Yield Corpo	Com	464288513	2,828,415	36,666	SH		SOLE	0	36,666	0	0
Ishares IBoxx High Yield Corpo	Com	464288513	206,967	2,683	SH		OTR	0	2,683	0	0
iShares iBoxx InvGrade Corp Bd	COM	464287242	237,378	2,216	SH		DFND	1	0	0	2,216
iShares International Treasury B	COM	464288117	39	1	SH		DFND	1	0	0	1
iShares J.P. Morgan USD Emerging	COM	464288281	21,766	246	SH		DFND	1	0	0	246
iShares KLD 400 Social Index	COM	464288570	417,892	4,024	SH		DFND	1	0	0	4,024
Ishares Mbs Etf IV	COM	464288588	157,271	1,713	SH		DFND	1	0	0	1,713
Ishares Morgstar Mid Cap	COM	464288307	111,923	1,652	SH		DFND	1	0	0	1,652
ISHARES MORNINGSTAR GROWTH ETF	COM	464287119	23,292	286	SH		DFND	1	286	0	0
Ishares Msci Eafe ETF	Com	464287465	4,388,814	56,030	SH		SOLE	0	53,089	0	2,941
Ishares Msci Eafe ETF	Com	464287465	1,688,873	21,561	SH		OTR	0	21,286	200	75
iShares MSCI EAFE Growth	COM	464288885	406,102	3,971	SH		DFND	1	0	0	3,971
Ishares MSCI EAFE Growth ETF	Com	464288885	21,224,314	207,471	SH		SOLE	0	205,513	0	1,958
Ishares MSCI EAFE Growth ETF	Com	464288885	3,914,172	38,262	SH		OTR	0	38,182	0	80
Ishares Msci Eafe Small Cap ET	Com	464288273	2,661,492	43,178	SH		SOLE	0	43,168	0	10
Ishares Msci Eafe Small Cap ET	Com	464288273	438,569	7,115	SH		OTR	0	7,115	0	0
iShares MSCI EAFE Small-Cap	COM	464288273	3,637	59	SH		DFND	1	0	0	59
Ishares Msci Eafe Value	COM	464288877	534,695	10,060	SH		DFND	1	0	0	10,060
iShares MSCI Emerg Mkt Min Vol	Com	464286533	1,005,008	17,567	SH		SOLE	0	17,567	0	0
iShares MSCI Emerg Mkt Min Vol	Com	464286533	163,621	2,860	SH		OTR	0	2,860	0	0
Ishares Msci Emerging	COM	46434G764	2,842	48	SH		DFND	1	0	0	48
Ishares MSCI Emerging Markets	Com	46434G764	901,379	15,226	SH		SOLE	0	15,226	0	0
Ishares MSCI Emerging Markets	Com	46434G764	34,928	590	SH		OTR	0	590	0	0
Ishares Msci Emerging Mkt ETF	Com	464287234	3,003,512	70,522	SH		SOLE	0	68,773	525	1,224
Ishares Msci Emerging Mkt ETF	Com	464287234	942,466	22,129	SH		OTR	0	21,193	561	375
iShares MSCI USA ESG Select ET	Com	464288802	486,337	4,328	SH		SOLE	0	4,328	0	0
Ishares Msci Usa Momntum	COM	46432F396	38,779	199	SH		DFND	1	0	0	199
Ishares Msci Usa Qlty	COM	46432F339	107,067	627	SH		DFND	1	0	0	627
Ishares Nasdaq Biotech ETF	Com	464287556	2,509,104	18,280	SH		SOLE	0	17,487	96	697
Ishares Nasdaq Biotech ETF	Com	464287556	1,515,899	11,044	SH		OTR	0	9,263	240	1,541
iShares Nasdaq Biotechnology	COM	464287556	20,589	150	SH		DFND	1	0	0	150
Ishares New York Muni Bond ETF	Com	464288323	3,866,504	72,420	SH		SOLE	0	68,680	0	3,740
Ishares New York Muni Bond ETF	Com	464288323	1,396,095	26,149	SH		OTR	0	22,774	0	3,375
iShares Russell 1000	COM	464287622	595	2	SH		DFND	1	0	0	2
IShares Russell 1000 ETF	Com	464287622	278,200	935	SH		SOLE	0	935	0	0
iShares Russell 1000 Growth	COM	464287614	49,938	137	SH		DFND	1	0	0	137
Ishares Russell 1000 Growth ET	Com	464287614	353,575	970	SH		SOLE	0	970	0	0
iShares Russell 2000	COM	464287655	148,718	733	SH		DFND	1	0	0	733
Ishares Russell 2000 ETF	Com	464287655	6,059,023	29,864	SH		SOLE	0	28,179	0	1,685
Ishares Russell 2000 ETF	Com	464287655	963,829	4,751	SH		OTR	0	4,617	100	34
Ishares Russell 2000 Growth ET	Com	464287648	612,482	2,333	SH		SOLE	0	2,333	0	0
Ishares Russell 2000 Growth ET	Com	464287648	536,611	2,044	SH		OTR	0	2,004	40	0
Ishares Russell 2000 Value ETF	Com	464287630	464,058	3,047	SH		SOLE	0	3,047	0	0
Ishares Russell 2000 Value ETF	Com	464287630	14,469	95	SH		OTR	0	0	95	0
Ishares Russell Mid Cap ETF	Com	464287499	852,637	10,516	SH		SOLE	0	10,516	0	0
Ishares Russell Mid Cap ETF	Com	464287499	25,946	320	SH		OTR	0	320	0	0
Ishares Russell Midcap Growth	Com	464287481	678,321	6,147	SH		OTR	0	6,147	0	0
Ishares Russell MidCap Value	Com	464287473	260,557	2,158	SH		SOLE	0	2,158	0	0
IShares Russell Top 200 Growth	Com	464289438	328,216	1,530	SH		SOLE	0	1,530	0	0
Ishares S&P 100 Etf	COM	464287101	30,467	115	SH		DFND	1	0	0	115
Ishares S&P 500 Growth	COM	464287309	17,768	192	SH		DFND	1	0	0	192
Ishares S&P 500 Growth ETF	Com	464287309	802,229	8,669	SH		SOLE	0	8,669	0	0
Ishares S&P 500 Value	COM	464287408	11,467	63	SH		DFND	1	0	0	63
Ishares S&P 500 Value ETF	Com	464287408	901,132	4,951	SH		SOLE	0	4,951	0	0
Ishares S&P Midcap 400/Grwth E	Com	464287606	335,347	3,806	SH		SOLE	0	3,806	0	0
Ishares S&P Pref Stk ETF	Com	464288687	2,004,971	63,549	SH		SOLE	0	63,549	0	0
Ishares S&P Pref Stk ETF	Com	464288687	284,549	9,019	SH		OTR	0	5,839	0	3,180
Ishares S&P Small Cap 600 Value	COM	464287879	68,089	700	SH		DFND	1	0	0	700
Ishares S&P Smallcap/600 Growt	Com	464287887	300,398	2,339	SH		SOLE	0	2,339	0	0
Ishares S&P Smallcap/600 Growt	Com	464287887	115,972	903	SH		OTR	0	903	0	0
Ishares S&P Smll Cap 600	COM	464287887	4,053,379	31,561	SH		DFND	1	0	0	31,561
iShares Short-Term Corporate Bon	COM	464288646	27,796	543	SH		DFND	1	0	0	543
iShares Silver Trust	COM	46428Q109	4,118	155	SH		DFND	1	0	0	155
iShares TIPS Bond ETF	COM	464287176	4,417,072	41,371	SH		DFND	1	0	0	41,371
Ishares Total Usd Bond	COM	46434V613	1,310,967	29,038	SH		DFND	1	0	0	29,038
Ishares Tr 10 Yr Invst Grd	Com	464289511	472,127	9,435	SH		SOLE	0	9,435	0	0
iShares TR 1-5 Yr Inv Gr Corp	Com	464288646	10,049,957	196,135	SH		SOLE	0	196,135	0	0
iShares TR 1-5 Yr Inv Gr Corp	Com	464288646	4,083,777	79,699	SH		OTR	0	71,633	0	8,066
iShares Tr Intrm Gov Cr ETF	Com	464288612	1,166,444	11,245	SH		SOLE	0	11,245	0	0
Ishares Tr Rus 1000 Val ETF	Com	464287598	239,896	1,375	SH		SOLE	0	1,375	0	0
Ishares Treasury	COM	46434V860	42,149	832	SH		DFND	1	0	0	832
iShares U.S. Infrastructure ETF	COM	46435U713	65,664	1,563	SH		DFND	1	0	0	1,563
iShares U.S. Medical Devices	COM	464288810	17,821	318	SH		DFND	1	0	0	318
iShares U.S. Treasury Bond	COM	46429B267	434,653	19,324	SH		DFND	1	0	0	19,324
iShares US Energy ETF	COM	464287796	57,010	1,188	SH		DFND	1	0	0	1,188
Ishares US Technology	COM	464287721	102,942	684	SH		DFND	1	0	0	684
Ishrs 0-5 Year Inv Grd	COM	46434V100	56,391	1,145	SH		DFND	1	0	0	1,145
Ishs Msci Emerg Mrkt Min	COM	464286533	167,063	2,918	SH		DFND	1	0	0	2,918
Jack Henry & Assoc Inc	Com	426281101	332,040	2,000	SH		SOLE	0	2,000	0	0
Jacobs Solutions Inc	Com	46982L108	184,697	1,322	SH		SOLE	0	1,322	0	0
Jacobs Solutions Inc	Com	46982L108	421,226	3,015	SH		OTR	0	1,115	0	1,900
JetBlue Airways Corporation	COM	477143101	1,218	200	SH		DFND	1	0	0	200
Johnson & Johnson	Com	478160104	11,759,157	80,454	SH		SOLE	0	75,347	0	5,107
Johnson & Johnson	Com	478160104	6,245,124	42,728	SH		OTR	0	39,185	250	3,293
Johnson & Johnson	COM	478160104	427,496	2,924	SH		DFND	1	156	0	2,768
JP Morgan Chase & CO	Com	46625H100	16,900,144	83,557	SH		SOLE	0	81,625	112	1,820
JP Morgan Chase & CO	Com	46625H100	12,287,902	60,753	SH		OTR	0	55,900	544	4,309
JPMorgan Chase & Co.	COM	46625H100	411,592	2,019	SH		DFND	1	1,110	0	909
JPMorgan Equity Premium Income E	COM	46641Q332	39,223	692	SH		DFND	1	0	0	692
JPMorgan Municipal ETF	Com	46641Q647	1,399,166	27,775	SH		SOLE	0	27,775	0	0
JPMorgan Municipal ETF	Com	46641Q647	380,079	7,545	SH		OTR	0	7,545	0	0
JPMorgan Ultra-Short Income ET	Com	46641Q837	136,572	2,706	SH		SOLE	0	2,706	0	0
JPMorgan Ultra-Short Income ET	Com	46641Q837	263,151	5,214	SH		OTR	0	5,214	0	0
Kellogg Co	COM	487836108	10,613	184	SH		DFND	1	0	0	184
KeyCorp	COM	493267108	28,315	1,993	SH		DFND	1	0	0	1,993
Kimberly Clark Corp	Com	494368103	718,364	5,198	SH		SOLE	0	5,198	0	0
Kimberly Clark Corp	Com	494368103	96,740	700	SH		OTR	0	700	0	0
Kimberly-Clark Corporation	COM	494368103	14,511	105	SH		DFND	1	0	0	105
Kkr & Co Inc	COM	48251W104	90,506	860	SH		DFND	1	0	0	860
Kraft Heinz CO	Com	500754106	182,720	5,671	SH		SOLE	0	5,671	0	0
Kraft Heinz CO	Com	500754106	228,150	7,081	SH		OTR	0	7,081	0	0
Kraft Heinz Company	COM	500754106	1,063	33	SH		DFND	1	0	0	33
KraneShares CSI China Internet E	COM	500767306	2,702	100	SH		DFND	1	0	0	100
Kyndryl Hldgs Inc	COM	50155Q100	14,418	548	SH		DFND	1	0	0	548
L3 Harris Technologies Inc	Com	502431109	1,583,289	7,050	SH		SOLE	0	7,050	0	0
L3 Harris Technologies Inc	Com	502431109	39,302	175	SH		OTR	0	175	0	0
Ladrx Corp	COM	232828707	3	1	SH		DFND	1	0	0	1
Lam Research Corporation	COM	512807108	166,117	156	SH		DFND	1	0	0	156
Lexington Realty C PFD Series C	COM	529043309	4,537	100	SH		DFND	1	0	0	100
Lilly Eli & CO	Com	532457108	3,266,611	3,608	SH		SOLE	0	3,065	0	543
Lilly Eli & CO	Com	532457108	6,405,564	7,075	SH		OTR	0	5,890	25	1,160
LILLY ELI & CO	COM	532457108	117,290	129	SH		DFND	1	129	0	0
Lincoln National Corp.	COM	534187208	29,856	960	SH		DFND	1	0	0	960
Linde PLC	Com	G54950103	2,573,182	5,864	SH		SOLE	0	5,864	0	0
Linde PLC	Com	G54950103	1,548,560	3,529	SH		OTR	0	2,604	0	925
Lithium Amers Argentin	COM	53681K100	320	100	SH		DFND	1	0	0	100
Lithium Amers Corp	COM	53680Q207	268	100	SH		DFND	1	0	0	100
Lockheed Martin Corp	Com	539830109	3,542,531	7,584	SH		SOLE	0	7,032	0	552
Lockheed Martin Corp	Com	539830109	1,093,481	2,341	SH		OTR	0	2,341	0	0
LOCKHEED MARTIN CORP	COM	539830109	178,103	381	SH		DFND	1	300	0	81
Lowes Companies Inc	COM	548661107	158,678	732	SH		DFND	1	508	0	224
Lowes Cos Inc	Com	548661107	15,285,374	69,334	SH		SOLE	0	68,784	25	525
Lowes Cos Inc	Com	548661107	7,315,524	33,183	SH		OTR	0	32,244	215	724
Lumen Technologies, Inc.	COM	550241103	43	39	SH		DFND	1	0	0	39
Lvmh Moet Hennessy Lou	COM	502441306	3,834	25	SH		DFND	1	0	0	25
Lyft Inc	COM	55087P104	3,525	250	SH		DFND	1	0	0	250
M&T Bank Corp.	COM	55261F104	25,277	167	SH		DFND	1	0	0	167
Markel Group INC COM	Com	570535104	141,809	90	SH		SOLE	0	90	0	0
Markel Group INC COM	Com	570535104	337,191	214	SH		OTR	0	214	0	0
Marriott International Inc	Com	571903202	611,195	2,528	SH		SOLE	0	2,528	0	0
Marriott International Inc	Com	571903202	18,133	75	SH		OTR	0	75	0	0
Marsh & Mc Lennan Co	COM	571748102	10,536	50	SH		DFND	1	0	0	50
Marsh & McLennan Companies Inc	Com	571748102	3,002,128	14,247	SH		SOLE	0	14,192	0	55
Marsh & McLennan Companies Inc	Com	571748102	3,530,403	16,754	SH		OTR	0	16,362	0	392
Martin Marietta Matls Inc	Com	573284106	92,106	170	SH		SOLE	0	170	0	0
Martin Marietta Matls Inc	Com	573284106	138,159	255	SH		OTR	0	255	0	0
Masco Corp	Com	574599106	372,685	5,590	SH		SOLE	0	5,590	0	0
Masco Corp	Com	574599106	9,200	138	SH		OTR	0	138	0	0
Mastercard Inc Cl A	Com	57636Q104	1,219,807	2,765	SH		SOLE	0	2,765	0	0
Mastercard Inc Cl A	Com	57636Q104	1,857,284	4,210	SH		OTR	0	4,168	0	42
Mastercard Incorporated	COM	57636Q104	2,206	5	SH		DFND	1	0	0	5
Materials Select SPDR Fund	Com	81369Y100	2,933,513	33,218	SH		SOLE	0	31,186	0	2,032
Materials Select SPDR Fund	Com	81369Y100	714,251	8,088	SH		OTR	0	7,483	290	315
Mc Donalds Corp	COM	580135101	21,916	86	SH		DFND	1	0	0	86
McCormick & CO Inc	Com	579780206	194,801	2,746	SH		SOLE	0	2,746	0	0
McCormick & CO Inc	Com	579780206	229,065	3,229	SH		OTR	0	3,229	0	0
McDonalds Corp	Com	580135101	12,475,437	48,954	SH		SOLE	0	48,641	58	255
McDonalds Corp	Com	580135101	5,668,406	22,243	SH		OTR	0	21,221	238	784
McKesson Corp	Com	58155Q103	393,059	673	SH		SOLE	0	673	0	0
Medclean Tech Inc Xxx	COM	58405Y302	0	1	SH		DFND	1	0	0	1
Medtronic Inc.	COM	G5960L103	29,595	376	SH		DFND	1	0	0	376
Medtronic PLC	Com	G5960L103	1,610,407	20,460	SH		SOLE	0	20,460	0	0
Medtronic PLC	Com	G5960L103	714,372	9,076	SH		OTR	0	8,505	71	500
Mercadolibre, Inc.	COM	58733R102	32,904	20	SH		DFND	1	0	0	20
Merck & CO Inc	Com	58933Y105	7,057,095	57,004	SH		SOLE	0	55,461	543	1,000
Merck & CO Inc	Com	58933Y105	5,687,001	45,937	SH		OTR	0	44,606	281	1,050
Merck & Co. Inc.	COM	58933Y105	115,258	926	SH		DFND	1	136	0	790
Meta Platforms Inc	Com	30303M102	2,322,437	4,606	SH		SOLE	0	4,606	0	0
Meta Platforms Inc	Com	30303M102	1,714,852	3,401	SH		OTR	0	3,376	25	0
Meta Platforms, Inc.	COM	30303M102	48,405	96	SH		DFND	1	0	0	96
Metlife Inc	Com	59156R108	463,465	6,603	SH		SOLE	0	6,603	0	0
Metlife Inc	Com	59156R108	113,076	1,611	SH		OTR	0	1,300	111	200
MetLife, Inc.	COM	59156R108	23,233	331	SH		DFND	1	0	0	331
MGE ENERGY INC	COM	55277P104	136,858	1,856	SH		DFND	1	1,856	0	0
Microchip Technology Inc	Com	595017104	2,946,849	32,206	SH		SOLE	0	32,206	0	0
Microchip Technology Inc	Com	595017104	694,760	7,593	SH		OTR	0	6,563	280	750
Microsoft Corp	Com	594918104	44,982,836	100,644	SH		SOLE	0	97,301	90	3,253
Microsoft Corp	Com	594918104	53,001,566	118,585	SH		OTR	0	116,310	672	1,603
Microsoft Corporation	COM	594918104	528,424	1,177	SH		DFND	1	406	0	771
Midcap SPDR Trust Series 1	Com	78467Y107	8,656,834	16,179	SH		SOLE	0	15,187	0	992
Midcap SPDR Trust Series 1	Com	78467Y107	1,073,210	2,006	SH		OTR	0	1,924	50	32
Moelis & Company	COM	60786M105	3,250	57	SH		DFND	1	0	0	57
Mondelez International Inc	Com	609207105	2,389,224	36,510	SH		SOLE	0	35,293	0	1,217
Mondelez International Inc	Com	609207105	2,824,390	43,160	SH		OTR	0	42,400	0	760
Mondelez International, Inc.	COM	609207105	6,544	100	SH		DFND	1	0	0	100
Monster Beverage Corp New	Com	61174X109	94,156	1,885	SH		SOLE	0	1,885	0	0
Monster Beverage Corp New	Com	61174X109	178,072	3,565	SH		OTR	0	3,565	0	0
Moodys Corp	Com	615369105	121,649	289	SH		SOLE	0	289	0	0
Moodys Corp	Com	615369105	212,570	505	SH		OTR	0	505	0	0
Moody's Corporation	COM	615369105	3,367	8	SH		DFND	1	0	0	8
Morgan Stanley	Com	617446448	1,482,828	15,257	SH		SOLE	0	15,257	0	0
Morgan Stanley	Com	617446448	7,775	80	SH		OTR	0	80	0	0
Morgan Stanley	COM	617446448	9,719	100	SH		DFND	1	0	0	100
Motley Fool 100 Index ETF	COM	74933W601	26,910	500	SH		DFND	1	0	0	500
NBT Bancorp Inc	Com	628778102	8,338,477	216,023	SH		SOLE	0	3,215	0	212,808
NBT Bancorp Inc	Com	628778102	2,119,761	54,916	SH		OTR	0	9,394	0	45,522
NBT Bancorp Inc.	COM	628778102	613,197	15,890	SH		DFND	1	0	0	15,890
Netflix Inc	Com	64110L106	819,979	1,215	SH		SOLE	0	1,215	0	0
Netflix Inc	Com	64110L106	920,536	1,364	SH		OTR	0	1,364	0	0
Netflix, Inc.	COM	64110L106	89,759	133	SH		DFND	1	0	0	133
New York Cmnty Banco	COM	649445103	4,508	1,400	SH		DFND	1	0	0	1,400
Newmont Mining Corp.	COM	651639106	4,396	105	SH		DFND	1	0	0	105
NEXE Innovations Inc.	COM	65344W107	597	3,000	SH		DFND	1	0	0	3,000
Nextdoor Hldgs Inc	COM	65345M108	1,390	500	SH		DFND	1	0	0	500
Nextera Energy Inc	Com	65339F101	4,098,129	57,875	SH		SOLE	0	56,075	0	1,800
Nextera Energy Inc	Com	65339F101	2,725,689	38,493	SH		OTR	0	28,798	84	9,611
Nextera Energy Inc	COM	65339F101	76,970	1,087	SH		DFND	1	0	0	1,087
Nike Inc-Class B	Com	654106103	2,196,734	29,146	SH		SOLE	0	28,901	0	245
Nike Inc-Class B	Com	654106103	1,396,455	18,528	SH		OTR	0	18,528	0	0
Norfolk Southern Corp	Com	655844108	838,150	3,904	SH		SOLE	0	3,904	0	0
Norfolk Southern Corp	Com	655844108	648,149	3,019	SH		OTR	0	2,719	0	300
Northrop Grumman Corporation	Com	666807102	320,423	735	SH		OTR	0	735	0	0
Northrop Grumman Corporation	COM	666807102	44,199	101	SH		DFND	1	0	0	101
Novartis AG	COM	66987V109	6,068	57	SH		DFND	1	0	0	57
Novartis Ag Spons ADR	Com	66987V109	2,193,289	20,602	SH		SOLE	0	20,302	0	300
Novartis Ag Spons ADR	Com	66987V109	1,329,792	12,491	SH		OTR	0	12,391	100	0
Novo Nordisk As Spons ADR	Com	670100205	2,869,074	20,100	SH		SOLE	0	20,100	0	0
Novo Nordisk As Spons ADR	Com	670100205	185,562	1,300	SH		OTR	0	1,200	0	100
Nucor Corp	Com	670346105	869,440	5,500	SH		SOLE	0	5,500	0	0
Nucor Corp	Com	670346105	114,608	725	SH		OTR	0	725	0	0
Nucor Corporation	COM	670346105	15,808	100	SH		DFND	1	0	0	100
Nvidia Corp	Com	67066G104	6,920,160	56,016	SH		SOLE	0	52,150	0	3,866
Nvidia Corp	Com	67066G104	2,048,293	16,580	SH		OTR	0	15,550	280	750
NVIDIA Corporation	COM	67066G104	143,430	1,161	SH		DFND	1	0	0	1,161
Oracle Corp.	COM	68389X105	226,626	1,605	SH		DFND	1	0	0	1,605
Oracle Corporation	Com	68389X105	4,925,762	34,885	SH		SOLE	0	33,385	0	1,500
Oracle Corporation	Com	68389X105	2,567,298	18,182	SH		OTR	0	15,573	109	2,500
O'Reilly Automotive Inc	Com	67103H107	573,441	543	SH		SOLE	0	543	0	0
Organon & Co. Common Stock	COM	68622V106	1,192	58	SH		DFND	1	0	0	58
O'Shares FTSE U.S. Quality Divid	COM	67110P407	61,628	1,242	SH		DFND	1	0	0	1,242
O'Shares Global Internet	COM	67110P704	18,000	457	SH		DFND	1	0	0	457
Otis Worldwide Corp	Com	68902V107	1,226,497	12,742	SH		SOLE	0	12,285	50	407
Otis Worldwide Corp	Com	68902V107	764,834	7,946	SH		OTR	0	7,313	533	100
Ouster Inc	COM	68989M103	492	50	SH		DFND	1	0	0	50
Paccar Inc	Com	693718108	1,010,047	9,812	SH		SOLE	0	9,812	0	0
Pacer US Small Cap Cash Cows 1	Com	69374H857	222,648	5,111	SH		OTR	0	5,111	0	0
Palatin Technologies Inc.	COM	696077403	156	80	SH		DFND	1	0	0	80
Palo Alto Networks	Com	697435105	2,212,379	6,526	SH		SOLE	0	6,506	0	20
Palo Alto Networks	Com	697435105	833,626	2,459	SH		OTR	0	2,076	20	363
Paychex Inc	Com	704326107	1,930,631	16,284	SH		SOLE	0	16,284	0	0
Paychex Inc	Com	704326107	81,806	690	SH		OTR	0	490	200	0
Paypal Holdings Inc	Com	70450Y103	530,394	9,140	SH		SOLE	0	9,140	0	0
Paypal Holdings Inc	Com	70450Y103	112,346	1,936	SH		OTR	0	86	0	1,850
PayPal Holdings, Inc.	COM	70450Y103	3,772	65	SH		DFND	1	0	0	65
Pepsico Inc	Com	713448108	9,101,497	55,184	SH		SOLE	0	54,491	0	693
Pepsico Inc	Com	713448108	5,383,975	32,644	SH		OTR	0	31,192	294	1,158
Pepsico, Inc.	COM	713448108	201,380	1,221	SH		DFND	1	0	0	1,221
Petrochina Co 'H'CNY1	Com	011014674	17,197	17,000	SH		SOLE	0	17,000	0	0
Petroleo Brasileiro	COM	71654V408	3,767	260	SH		DFND	1	0	0	260
Pfizer Inc	Com	717081103	4,154,948	148,497	SH		SOLE	0	142,507	0	5,990
Pfizer Inc	Com	717081103	1,946,541	69,569	SH		OTR	0	67,075	994	1,500
Pfizer Inc.	COM	717081103	345,064	12,315	SH		DFND	1	1,118	0	11,197
Philip Morris International	Com	718172109	947,030	9,346	SH		SOLE	0	8,671	0	675
Philip Morris International	Com	718172109	2,395,036	23,636	SH		OTR	0	23,636	0	0
Philip Morris Intl, Inc.	COM	718172109	12,160	120	SH		DFND	1	0	0	120
Phillips 66	Com	718546104	319,185	2,261	SH		SOLE	0	2,231	0	30
Phillips 66	Com	718546104	7,059	50	SH		OTR	0	50	0	0
Phillips 66	COM	718546104	131,393	937	SH		DFND	1	796	0	141
Piedmont Office Realty Tr Inc.	COM	720190206	9,019	1,244	SH		DFND	1	0	0	1,244
Pimco Dynamic Income Cf	COM	72201Y101	9,160	487	SH		DFND	1	0	0	487
PIMCO MUNICIPAL INCOME C	COM	72200R107	20,196	2,200	SH		DFND	1	2,200	0	0
PLUG POWER INC	COM	72919P103	118	50	SH		DFND	1	50	0	0
PORTILLOS INC	COM	73642K106	9,585	1,000	SH		DFND	1	1,000	0	0
PPL Corporation	COM	709051106	32,516	1,176	SH		DFND	1	0	0	1,176
Predictive Technology Group, Inc	COM	74039H102	0	5	SH		DFND	1	0	0	5
Principal Financial Group	Com	74251V102	627,600	8,000	SH		SOLE	0	8,000	0	0
Procter & Gamble CO	Com	742718109	14,466,782	87,720	SH		SOLE	0	82,978	215	4,527
Procter & Gamble CO	Com	742718109	8,130,886	49,302	SH		OTR	0	44,847	380	4,075
ProShares S&P 500 Div Aristocrat	COM	74348A467	195,803	2,037	SH		DFND	1	0	0	2,037
Prudential Financial, Inc.	COM	744320102	68,425	584	SH		DFND	1	0	0	584
Prudential Finl Inc	Com	744320102	1,587,807	13,549	SH		SOLE	0	13,549	0	0
Prudential Finl Inc	Com	744320102	1,458,664	12,447	SH		OTR	0	12,097	150	200
Public Service Enterprise Grou	Com	744573106	74,584	1,012	SH		SOLE	0	1,012	0	0
Public Service Enterprise Grou	Com	744573106	187,935	2,550	SH		OTR	0	2,550	0	0
Public Srvc Enterprise Grp Inc	COM	744573106	70,310	954	SH		DFND	1	0	0	954
Qualcomm Inc	Com	747525103	4,659,816	23,395	SH		SOLE	0	22,970	0	425
Qualcomm Inc	Com	747525103	2,381,994	11,959	SH		OTR	0	11,234	225	500
Quanta Services Inc	COM	74762E102	25,409	100	SH		DFND	1	0	0	100
Quanta Services Incorporated	Com	74762E102	1,567,227	6,168	SH		OTR	0	3,068	0	3,100
Raytheon Technologies Co	COM	75513E101	175,390	1,751	SH		DFND	1	688	0	1,063
Rbc Bearings Inc	Com	75524B104	192,893	715	SH		SOLE	0	715	0	0
Rbc Bearings Inc	Com	75524B104	811,768	3,009	SH		OTR	0	2,826	0	183
Real Estate Select Sect SPDR	Com	81369Y860	1,086,811	28,295	SH		SOLE	0	26,177	105	2,013
Real Estate Select Sect SPDR	Com	81369Y860	1,338,781	34,855	SH		OTR	0	34,704	26	125
Restaurant Brands	COM	76131D103	5,348	76	SH		DFND	1	0	0	76
Rivian Automotive, Inc.	COM	76954A103	5,368	400	SH		DFND	1	0	0	400
ROCKWELL AUTOMATION	COM	773903109	4,832	18	SH		DFND	1	18	0	0
Roper Technologies Inc	Com	776696106	93,004	165	SH		SOLE	0	165	0	0
Roper Technologies Inc	Com	776696106	927,221	1,645	SH		OTR	0	1,645	0	0
RTX Corporation	Com	75513E101	5,120,894	51,010	SH		SOLE	0	49,920	100	990
RTX Corporation	Com	75513E101	3,976,046	39,606	SH		OTR	0	37,042	1,186	1,378
Rxo Inc	COM	74982T103	3,373	129	SH		DFND	1	0	0	129
S E I Investments Co	COM	784117103	195,773	3,026	SH		DFND	1	0	0	3,026
S&P Global Inc	Com	78409V104	7,359,000	16,500	SH		SOLE	0	16,500	0	0
S&P Global Inc	Com	78409V104	1,477,598	3,313	SH		OTR	0	1,813	0	1,500
Salesforce Inc	Com	79466L302	2,188,200	8,511	SH		SOLE	0	8,448	0	63
Salesforce Inc	Com	79466L302	1,551,599	6,035	SH		OTR	0	5,926	34	75
salesforce.com, inc.	COM	79466L302	6,428	25	SH		DFND	1	0	0	25
Sandoz Group Ag	COM	799926100	398	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	5,473	275	SH		DFND	1	0	0	275
Schlumberger Ltd	Com	806857108	1,209,884	25,644	SH		SOLE	0	24,829	0	815
Schlumberger Ltd	Com	806857108	709,304	15,034	SH		OTR	0	14,748	286	0
Schwab Emerging Markets	COM	808524706	53	2	SH		DFND	1	0	0	2
Schwab Fundamental Intl	COM	808524748	35	1	SH		DFND	1	0	0	1
Schwab Fundamental Intl Lg Co	Com	808524755	280,765	8,015	SH		SOLE	0	8,015	0	0
Schwab Inter Term US Treasury	COM	808524854	105,441	2,162	SH		DFND	1	0	0	2,162
Schwab International	COM	808524805	364,804	9,492	SH		DFND	1	0	0	9,492
Schwab International Equity ET	Com	808524805	3,058,424	79,605	SH		SOLE	0	79,605	0	0
Schwab International Equity ET	Com	808524805	868,446	22,604	SH		OTR	0	21,939	0	665
Schwab Short-Term US Treasury	COM	808524862	82,687	1,718	SH		DFND	1	0	0	1,718
Schwab U.S. Large-Cap	COM	808524201	547,153	8,516	SH		DFND	1	0	0	8,516
Schwab U.S. Large-Cap Growth	COM	808524300	789,025	7,821	SH		DFND	1	0	0	7,821
Schwab U.S. Mid-Cap	COM	808524508	355,777	4,574	SH		DFND	1	0	0	4,574
Schwab U.S. Small-Cap	COM	808524607	590,032	12,445	SH		DFND	1	0	0	12,445
Schwab US Aggregate Bd ETF	Com	808524839	1,153,675	25,311	SH		SOLE	0	25,311	0	0
Schwab US Aggregate Bd ETF	Com	808524839	643,407	14,116	SH		OTR	0	14,116	0	0
Schwab US Aggregate Bond	COM	808524839	63,311	1,389	SH		DFND	1	0	0	1,389
Schwab US Broad Market	COM	808524102	2,671	42	SH		DFND	1	0	0	42
Schwab US Dividend	COM	808524797	5,254	68	SH		DFND	1	0	0	68
Schwab US Dividend Equity ETF	Com	808524797	6,802,989	87,487	SH		SOLE	0	86,879	0	608
Schwab US Dividend Equity ETF	Com	808524797	1,033,508	13,291	SH		OTR	0	13,291	0	0
Schwab US Mid-Cap ETF	Com	808524508	301,513	3,874	SH		SOLE	0	3,874	0	0
Schwab US Small Cap ETF	Com	808524607	2,359,831	49,733	SH		SOLE	0	49,733	0	0
Schwab US Small Cap ETF	Com	808524607	408,592	8,611	SH		OTR	0	8,611	0	0
Sempra	COM	816851109	7,606	100	SH		DFND	1	0	0	100
Servicenow Inc	Com	81762P102	298,148	379	SH		SOLE	0	369	0	10
Servicenow Inc	Com	81762P102	130,587	166	SH		OTR	0	140	0	26
Shell Plc	COM	780259305	7,218	100	SH		DFND	1	0	0	100
Shell PLC Spon ADS	Com	780259305	122,706	1,700	SH		SOLE	0	1,700	0	0
Shell PLC Spon ADS	Com	780259305	559,395	7,750	SH		OTR	0	3,150	0	4,600
Sherwin Williams CO	Com	824348106	681,017	2,282	SH		SOLE	0	2,267	0	15
Sherwin Williams CO	Com	824348106	2,044,544	6,851	SH		OTR	0	6,731	0	120
Shopify Inc.	COM	82509L107	2,642	40	SH		DFND	1	0	0	40
Snap Inc.	COM	83304A106	1,661	100	SH		DFND	1	0	0	100
Solventum Corp	COM	83444M101	1,322	25	SH		DFND	1	0	0	25
Soundhound Ai Inc	COM	836100107	790	200	SH		DFND	1	0	0	200
Southern Company	Com	842587107	1,366,085	17,611	SH		SOLE	0	17,611	0	0
Southern Company	Com	842587107	539,810	6,959	SH		OTR	0	6,959	0	0
Southern Company	COM	842587107	100,841	1,300	SH		DFND	1	0	0	1,300
Southwest Airlines Co.	COM	844741108	1,431	50	SH		DFND	1	0	0	50
SPDR Bloomberg Barclays High Yie	COM	78464A417	6,787	72	SH		DFND	1	0	0	72
SPDR Dow Jones Global Real Estat	COM	78463X749	83	2	SH		DFND	1	0	0	2
SPDR Dow Jones Industrial Aver	Com	78467X109	1,258,265	3,217	SH		SOLE	0	3,217	0	0
SPDR Dow Jones Industrial Aver	Com	78467X109	320,727	820	SH		OTR	0	740	0	80
SPDR Dow Jones Industrial Averag	COM	78467X109	39,173	100	SH		DFND	1	0	0	100
SPDR Gold Shares	COM	78463V107	1,162,694	5,408	SH		DFND	1	220	0	5,188
SPDR Gold Trust	Com	78463V107	308,109	1,433	SH		SOLE	0	1,366	0	67
SPDR Gold Trust	Com	78463V107	516,239	2,401	SH		OTR	0	2,401	0	0
SPDR Portfolio Developed Wld e	Com	78463X889	2,289,496	65,265	SH		SOLE	0	65,265	0	0
SPDR Portfolio Developed Wld e	Com	78463X889	670,975	19,127	SH		OTR	0	19,127	0	0
SPDR Portfolio Developed World e	COM	78463X889	26,836	765	SH		DFND	1	0	0	765
SPDR Portfolio Emerging Market	Com	78463X509	407,778	10,825	SH		SOLE	0	10,825	0	0
SPDR Portfolio Emerging Market	Com	78463X509	33,150	880	SH		OTR	0	880	0	0
SPDR Portfolio Emerging Markets	COM	78463X509	12,544	333	SH		DFND	1	0	0	333
SPDR Portfolio Intermediate Te	Com	78464A375	646,674	19,861	SH		SOLE	0	19,861	0	0
Spdr Portfolio S&P 500	COM	78464A854	43,392	678	SH		DFND	1	0	0	678
SPDR Portfolio S&P 500 Growth ET	COM	78464A409	14,103	176	SH		DFND	1	0	0	176
SPDR Portfolio S&P 500 Value ETF	COM	78464A508	51,859	1,064	SH		DFND	1	0	0	1,064
SPDR Portfolio Short Term Corp	Com	78464A474	1,185,624	39,920	SH		SOLE	0	39,920	0	0
SPDR Preferred Stock ETF	Com	78464A292	496,735	14,640	SH		SOLE	0	14,640	0	0
SPDR S&P 500 ETF Trust	Com	78462F103	7,398,787	13,595	SH		SOLE	0	13,017	0	578
SPDR S&P 500 ETF Trust	Com	78462F103	1,371,979	2,521	SH		OTR	0	2,406	0	115
SPDR S&P Dividend ETF	Com	78464A763	10,643,313	83,687	SH		SOLE	0	83,687	0	0
SPDR S&P Dividend ETF	Com	78464A763	923,963	7,265	SH		OTR	0	7,265	0	0
SPDR S&P Global Infrastructure E	COM	78463X855	55	1	SH		DFND	1	0	0	1
SPDR S&P Regional Banking ETF	Com	78464A698	1,369,680	27,896	SH		SOLE	0	26,926	0	970
SPDR S&P Regional Banking ETF	Com	78464A698	1,056,337	21,514	SH		OTR	0	21,319	100	95
Starbucks Corp	Com	855244109	538,956	6,923	SH		SOLE	0	6,923	0	0
Starbucks Corp	Com	855244109	475,274	6,105	SH		OTR	0	6,105	0	0
Starbucks Corporation	COM	855244109	2,050	26	SH		DFND	1	0	0	26
State Street Corp	COM	857477103	4,070	55	SH		DFND	1	0	0	55
Stitch Fix Inc	COM	860897107	830	200	SH		DFND	1	0	0	200
Stryker Corp.	COM	863667101	97,652	287	SH		DFND	1	0	0	287
Stryker Corporation	Com	863667101	772,368	2,270	SH		SOLE	0	2,250	0	20
Stryker Corporation	Com	863667101	205,851	605	SH		OTR	0	505	0	100
Sunpower Corp	COM	867652406	18	6	SH		DFND	1	0	0	6
Synchrony Financial	COM	87165B103	9,438	200	SH		DFND	1	0	0	200
Synovus Financial Corp.	COM	87161C600	1,464	36	SH		DFND	1	0	0	36
Sysco Corp	Com	871829107	449,043	6,290	SH		SOLE	0	6,290	0	0
Sysco Corp	Com	871829107	674,992	9,455	SH		OTR	0	9,455	0	0
Sysco Corporation	COM	871829107	632,730	8,863	SH		DFND	1	0	0	8,863
T Rowe Price Group	COM	74144T108	13,722	119	SH		DFND	1	0	0	119
T Rowe Price Group Inc	Com	74144T108	3,035,420	26,324	SH		SOLE	0	26,274	50	0
T Rowe Price Group Inc	Com	74144T108	1,440,683	12,494	SH		OTR	0	12,014	295	185
Taiwan Semiconductor Spons ADR	Com	874039100	84,124	484	SH		SOLE	0	484	0	0
Taiwan Semiconductor Spons ADR	Com	874039100	494,142	2,843	SH		OTR	0	2,843	0	0
Take Two Interactv	COM	874054109	4,976	32	SH		DFND	1	0	0	32
Target Corp	Com	87612E106	2,337,706	15,791	SH		SOLE	0	15,202	0	589
Target Corp	Com	87612E106	1,945,986	13,145	SH		OTR	0	10,380	165	2,600
Te Connectivity Limited	Com	H84989104	474,306	3,153	SH		SOLE	0	3,153	0	0
Te Connectivity Limited	Com	H84989104	667,157	4,435	SH		OTR	0	4,294	0	141
Technology Select Sect SPDR	Com	81369Y803	3,703,159	16,369	SH		SOLE	0	16,149	121	99
Technology Select Sect SPDR	Com	81369Y803	430,516	1,903	SH		OTR	0	1,753	150	0
Telefonaktiebolaget LM Ericsson	COM	294821608	2,696	437	SH		DFND	1	0	0	437
Tesla Inc	Com	88160R101	112,792	570	SH		SOLE	0	570	0	0
Tesla Inc	Com	88160R101	409,612	2,070	SH		OTR	0	2,070	0	0
Tesla, Inc.	COM	88160R101	411,126	1,977	SH		DFND	1	90	0	1,887
Texas Instruments Inc	Com	882508104	1,281,175	6,586	SH		SOLE	0	6,586	0	0
Texas Instruments Inc	Com	882508104	1,046,377	5,379	SH		OTR	0	5,247	0	132
Texas Instruments Inc.	COM	882508104	3,022	16	SH		DFND	1	0	0	16
Texas Pacific Land Corporation	Com	88262P102	39,651	54	SH		SOLE	0	54	0	0
Texas Pacific Land Corporation	Com	88262P102	185,036	252	SH		OTR	0	252	0	0
The Boeing Company	COM	097023105	27,301	150	SH		DFND	1	0	0	150
The Carlyle Group Inc.	COM	14316J108	10,680	266	SH		DFND	1	0	0	266
The Charles Schwab Corp	COM	808513105	61,310	832	SH		DFND	1	0	0	832
The Chemours Company	COM	163851108	11,285	500	SH		DFND	1	0	0	500
The Coca-Cola Company	COM	191216100	17,886	281	SH		DFND	1	0	0	281
The Dow Chemical Company	COM	260557103	26,896	507	SH		DFND	1	0	0	507
The Hershey Company	Com	427866108	63,421	345	SH		SOLE	0	345	0	0
The Hershey Company	Com	427866108	849,111	4,619	SH		OTR	0	4,619	0	0
The Procter & Gamble Company	COM	742718109	596,553	3,619	SH		DFND	1	444	0	3,175
Thermo Fisher Scientific Inc	Com	883556102	2,512,279	4,543	SH		SOLE	0	4,468	0	75
Thermo Fisher Scientific Inc	Com	883556102	4,104,366	7,422	SH		OTR	0	6,414	0	1,008
Thermo Fisher Scientific, Inc.	COM	883556102	11,060	20	SH		DFND	1	0	0	20
TJX Cos Inc	Com	872540109	3,762,007	34,169	SH		SOLE	0	32,623	246	1,300
TJX Cos Inc	Com	872540109	3,767,512	34,219	SH		OTR	0	33,410	455	354
T-Mobile US Inc	Com	872590104	54,968	312	SH		SOLE	0	312	0	0
T-Mobile US Inc	Com	872590104	510,922	2,900	SH		OTR	0	1,600	0	1,300
Toyota Motor Corp Spons ADR	Com	892331307	18,447	90	SH		SOLE	0	90	0	0
Toyota Motor Corp Spons ADR	Com	892331307	240,840	1,175	SH		OTR	0	1,175	0	0
Tractor Supply Co	Com	892356106	140,400	520	SH		SOLE	0	520	0	0
Tractor Supply Co	Com	892356106	174,150	645	SH		OTR	0	645	0	0
Trane Technologies Plc ADR	Com	G8994E103	1,178,885	3,584	SH		SOLE	0	3,584	0	0
Trane Technologies Plc ADR	Com	G8994E103	19,121,688	58,133	SH		OTR	0	58,133	0	0
TransCoastal Corporation	Com	89355M105	0	243,486	SH		OTR	0	243,486	0	0
Transdigm Group Inc	Com	893641100	127,761	100	SH		SOLE	0	100	0	0
Transdigm Group Inc	Com	893641100	1,226,506	960	SH		OTR	0	960	0	0
Travelers Companies Inc	Com	89417E109	269,629	1,326	SH		SOLE	0	1,326	0	0
Travelers Companies Inc	Com	89417E109	27,654	136	SH		OTR	0	136	0	0
Truist Financial Corporation	Com	89832Q109	394,133	10,145	SH		SOLE	0	10,145	0	0
Truist Financial Corporation	Com	89832Q109	127,001	3,269	SH		OTR	0	3,269	0	0
U S BANCORP	COM	902973304	442,242	11,169	SH		DFND	1	11,169	0	0
Uber Technologies Inc	Com	90353T100	160,914	2,214	SH		SOLE	0	2,214	0	0
Uber Technologies Inc	Com	90353T100	2,802,759	38,563	SH		OTR	0	38,563	0	0
Uber Technologies Inc	COM	90353T100	3,634	50	SH		DFND	1	0	0	50
Under Armour Inc	COM	904311206	327	50	SH		DFND	1	0	0	50
Under Armour, Inc.	COM	904311107	334	50	SH		DFND	1	0	0	50
Union Pac Corp	Com	907818108	4,331,748	19,145	SH		SOLE	0	18,237	0	908
Union Pac Corp	Com	907818108	4,274,730	18,893	SH		OTR	0	17,263	50	1,580
United Parcel Service Cl B	Com	911312106	692,872	5,063	SH		SOLE	0	5,063	0	0
United Parcel Service Cl B	Com	911312106	1,856,097	13,563	SH		OTR	0	13,528	35	0
United Rentals Inc	Com	911363109	37,510	58	SH		SOLE	0	58	0	0
United Rentals Inc	Com	911363109	216,008	334	SH		OTR	0	334	0	0
Unitedhealth Group Inc	Com	91324P102	5,944,083	11,672	SH		SOLE	0	11,432	0	240
Unitedhealth Group Inc	Com	91324P102	4,735,099	9,298	SH		OTR	0	9,110	69	119
Unitedhealth Group Inc	COM	91324P102	30,044	59	SH		DFND	1	0	0	59
Universal Display Co	COM	91347P105	21,025	100	SH		DFND	1	0	0	100
US Bancorp New	Com	902973304	1,028,627	25,910	SH		SOLE	0	25,910	0	0
US Bancorp New	Com	902973304	542,064	13,654	SH		OTR	0	12,630	555	469
Utilities Select Sector SPDR	Com	81369Y886	1,793,581	26,322	SH		SOLE	0	22,159	0	4,163
Utilities Select Sector SPDR	Com	81369Y886	961,115	14,105	SH		OTR	0	13,162	564	379
Utilities Select Sector SPDR Fun	COM	81369Y886	56,284	826	SH		DFND	1	0	0	826
Vail Resorts Inc	COM	91879Q109	959	5	SH		DFND	1	0	0	5
Vale Sa	COM	91912E204	559	50	SH		DFND	1	0	0	50
Valero Energy Corp New	COM	91913Y100	44,833	286	SH		DFND	1	0	0	286
VanEck BDC Income ETF	COM	92189F411	931	54	SH		DFND	1	0	0	54
Vaneck ETF Trust Agribusiness	Com	92189F700	760,407	10,844	SH		SOLE	0	10,063	0	781
Vaneck ETF Trust Agribusiness	Com	92189F700	760,872	10,851	SH		OTR	0	10,631	125	95
Vaneck Faln Angl Hy Bnd	COM	92189F437	3,962,065	140,002	SH		DFND	1	0	0	140,002
VanEck Vectors Agribusiness	COM	92189F700	3,506	50	SH		DFND	1	0	0	50
Vaneck Vectors Gold Miners ETF	Com	92189F106	1,037,444	30,576	SH		SOLE	0	30,576	0	0
Vaneck Vectors Gold Miners ETF	Com	92189F106	1,655,988	48,806	SH		OTR	0	47,544	0	1,262
VanEck Vectors Social Sentiment	COM	92189H839	191	9	SH		DFND	1	0	0	9
Vanguard Consumer	COM	92204A207	30,861	152	SH		DFND	1	0	0	152
Vanguard Dividend Appreciation	Com	921908844	150,604	825	SH		SOLE	0	825	0	0
Vanguard Dividend Appreciation	Com	921908844	127,785	700	SH		OTR	0	700	0	0
Vanguard Dividend Appreciation ETF	COM	921908844	27,766	152	SH		DFND	1	0	0	152
Vanguard Emerging Markt	COM	921946885	63	1	SH		DFND	1	0	0	1
Vanguard Extended Market Index	Com	922908652	206,873	1,226	SH		OTR	0	1,226	0	0
Vanguard FTSE All-World ex-US	COM	922042775	190,743	3,249	SH		DFND	1	1,652	0	1,597
Vanguard Ftse All-World Ex-USI	Com	922042775	584,875	9,974	SH		SOLE	0	9,974	0	0
Vanguard FTSE Developed Market	Com	921943858	501,860	10,155	SH		SOLE	0	10,155	0	0
Vanguard FTSE Developed Market	Com	921943858	165,013	3,339	SH		OTR	0	3,339	0	0
Vanguard Ftse Emerging	COM	922042858	24,681	44	SH		DFND	1	0	0	44
Vanguard Ftse Emerging Markets	Com	922042858	1,406,665	32,145	SH		SOLE	0	32,145	0	0
Vanguard Ftse Emerging Markets	Com	922042858	197,314	4,509	SH		OTR	0	4,009	0	500
Vanguard Growth Index Fund ETF	COM	922908736	32,913	88	SH		DFND	1	0	0	88
Vanguard Health Care	COM	92204A504	86,450	325	SH		DFND	1	0	0	325
Vanguard High Dividend Yield E	Com	921946406	203,043	1,712	SH		SOLE	0	1,712	0	0
Vanguard High Dividend Yield E	Com	921946406	64,518	544	SH		OTR	0	544	0	0
Vanguard Index Fund Mid-Cap	Com	922908629	940,074	3,883	SH		SOLE	0	3,883	0	0
Vanguard Index Fund Mid-Cap	Com	922908629	87,882	363	SH		OTR	0	363	0	0
Vanguard InfoTechnology	COM	92204A702	2,668,944	4,629	SH		DFND	1	0	0	4,629
Vanguard Inter Term Corp Bond	Com	92206C870	982,819	12,296	SH		SOLE	0	12,296	0	0
Vanguard Inter Term Corp Bond	Com	92206C870	894,257	11,188	SH		OTR	0	11,188	0	0
Vanguard Intermediate-Term Bon	Com	921937819	2,259,057	30,165	SH		SOLE	0	30,165	0	0
Vanguard Intermediate-Term Bon	Com	921937819	263,238	3,515	SH		OTR	0	2,015	1,500	0
Vanguard Large-Cap ETF	Com	922908637	220,914	885	SH		OTR	0	885	0	0
Vanguard Materials	COM	92204A801	25,235	131	SH		DFND	1	0	0	131
Vanguard Mega Cap Etf IV	COM	921910873	73,786	374	SH		DFND	1	0	0	374
Vanguard Mega Cap Growth	COM	921910816	23,566	75	SH		DFND	1	0	0	75
Vanguard Mega Cap Value	COM	921910840	12,443	105	SH		DFND	1	0	0	105
Vanguard Mid Cap Growth	COM	922908538	5,969	26	SH		DFND	1	0	0	26
Vanguard Mid Cap Value	COM	922908512	4,513	30	SH		DFND	1	0	0	30
Vanguard Mid-Cap Growth Index	Com	922908538	1,193,712	5,200	SH		SOLE	0	5,200	0	0
Vanguard Mid-Cap Growth Index	Com	922908538	341,585	1,488	SH		OTR	0	1,488	0	0
Vanguard Mid-Cap Index Fd ETF Sh	COM	922908629	511,799	2,114	SH		DFND	1	0	0	2,114
Vanguard Mid-Cap Value Index F	Com	922908512	487,544	3,241	SH		SOLE	0	3,241	0	0
Vanguard Mid-Cap Value Index F	Com	922908512	126,206	839	SH		OTR	0	839	0	0
Vanguard Real Estate ETF	Com	922908553	1,208,824	14,432	SH		SOLE	0	14,432	0	0
Vanguard Real Estate ETF	Com	922908553	443,090	5,290	SH		OTR	0	4,995	295	0
Vanguard REIT	COM	922908553	135,164	1,614	SH		DFND	1	0	0	1,614
VANGUARD RUSSELL 2000 ETF IV	COM	92206C664	43,468	535	SH		DFND	1	535	0	0
Vanguard S&P 500 ETF	Com	922908363	2,445,136	4,889	SH		SOLE	0	4,707	0	182
Vanguard S&P 500 ETF	Com	922908363	67,518	135	SH		OTR	0	135	0	0
Vanguard S&P 500 Etf	COM	922908363	401,965	804	SH		DFND	1	205	0	599
Vanguard Short Term	COM	92206C102	3,131	54	SH		DFND	1	0	0	54
Vanguard Short Term Bond ETF	Com	921937827	649,879	8,473	SH		SOLE	0	8,473	0	0
Vanguard Short Term Bond ETF	Com	921937827	76,700	1,000	SH		OTR	0	1,000	0	0
Vanguard Short Term Corp Bond	Com	92206C409	963,387	12,467	SH		SOLE	0	12,467	0	0
Vanguard Short Term Corp Bond	Com	92206C409	21,792	282	SH		OTR	0	282	0	0
Vanguard Short-Term Bond	COM	921937827	190,369	2,482	SH		DFND	1	0	0	2,482
Vanguard Short-Term Corp Bond	COM	92206C409	7,958,403	102,996	SH		DFND	1	0	0	102,996
VANGUARD SHRT INF PROT SEC INDEX ETF	COM	922020805	21,217	442	SH		DFND	1	442	0	0
Vanguard Small Cap Etf	COM	922908751	338,398	1,552	SH		DFND	1	0	0	1,552
Vanguard Small-Cap ETF	Com	922908751	204,522	938	SH		SOLE	0	938	0	0
Vanguard Small-Cap ETF	Com	922908751	150,666	691	SH		OTR	0	691	0	0
Vanguard Small-Cap Value	COM	922908611	4,114,913	22,545	SH		DFND	1	0	0	22,545
Vanguard Small-Cap Value	COM	922908595	58,280	233	SH		DFND	1	0	0	233
Vanguard Total Bond Market ETF	Com	921937835	734,910	10,200	SH		SOLE	0	10,200	0	0
Vanguard Total Bond Market ETF	Com	921937835	299,512	4,157	SH		OTR	0	4,157	0	0
Vanguard Total Bond Market Index	COM	921937835	143,668	1,994	SH		DFND	1	0	0	1,994
Vanguard Total International S	Com	921909768	1,026,909	17,030	SH		SOLE	0	17,030	0	0
Vanguard Total International S	Com	921909768	304,214	5,045	SH		OTR	0	5,045	0	0
Vanguard Total Stock Market	COM	922908769	12,498,417	43,907	SH		DFND	1	705	0	43,202
Vanguard Total Stock Market ET	Com	922908769	550,001	2,056	SH		SOLE	0	2,056	0	0
Vanguard Total Stock Market ET	Com	922908769	567,737	2,122	SH		OTR	0	2,122	0	0
Vanguard Value Etf	COM	922908744	11,691,804	72,887	SH		DFND	1	0	0	72,887
Vanguard Whitehall Funds	COM	921946406	27,871	235	SH		DFND	1	0	0	235
Vanguard World Fund - Utilities	COM	92204A876	33,230	225	SH		DFND	1	0	0	225
Veralto Corp	Com	92338C103	51,745	542	SH		SOLE	0	542	0	0
Veralto Corp	Com	92338C103	392,764	4,114	SH		OTR	0	4,092	6	16
Verizon Communications	Com	92343V104	2,342,803	56,809	SH		SOLE	0	54,017	830	1,962
Verizon Communications	Com	92343V104	1,711,955	41,512	SH		OTR	0	38,641	150	2,721
Verizon Communications Inc.	COM	92343V104	326,013	7,904	SH		DFND	1	185	0	7,719
Vestas Wind Sys As Utd	COM	925458101	10,355	1,350	SH		DFND	1	0	0	1,350
Viacomcbs Inc	COM	92556H206	3,850	371	SH		DFND	1	0	0	371
Viatris Inc	COM	92556V106	11,006	1,036	SH		DFND	1	5	0	1,031
Virtus Investment Partners, Inc.	COM	92828Q109	2,710	12	SH		DFND	1	0	0	12
Visa Inc Cl A	Com	92826C839	2,871,684	10,941	SH		SOLE	0	10,941	0	0
Visa Inc Cl A	Com	92826C839	1,751,987	6,675	SH		OTR	0	6,575	100	0
Visa Inc.	COM	92826C839	46,413	177	SH		DFND	1	0	0	177
Vision Technology Co	COM	92834D100	0	100	SH		DFND	1	0	0	100
Vodafone Group plc	COM	92857W209	5,171	583	SH		DFND	1	0	0	583
W E C ENERGY GROUP INC	COM	976657106	70,746	904	SH		DFND	1	904	0	0
Wabtec	COM	929740108	4,743	30	SH		DFND	1	0	0	30
Wal Mart Inc	Com	931142103	5,106,214	75,413	SH		SOLE	0	74,213	0	1,200
Wal Mart Inc	Com	931142103	3,277,029	48,398	SH		OTR	0	43,550	1,050	3,798
Walgreens Boots Alli	COM	931427108	1,935	160	SH		DFND	1	0	0	160
Wal-Mart Stores Inc.	COM	931142103	929,455	13,727	SH		DFND	1	0	0	13,727
Walt Disney Co.	COM	254687106	116,666	1,175	SH		DFND	1	0	0	1,175
Warner Bros Discovery Inc.	COM	934423104	17,990	2,418	SH		DFND	1	0	0	2,418
Waste Management Inc	Com	94106L109	176,859	829	SH		SOLE	0	829	0	0
Waste Management Inc	Com	94106L109	554,257	2,598	SH		OTR	0	2,368	0	230
Webster Finl Co	COM	947890109	2,259	52	SH		DFND	1	0	0	52
Wells Fargo & CO	Com	949746101	1,809,380	30,466	SH		SOLE	0	29,673	0	793
Wells Fargo & CO	Com	949746101	899,462	15,145	SH		OTR	0	13,560	600	985
Wells Fargo & Company	COM	949746101	51,683	866	SH		DFND	1	498	0	368
WELLTOWER INC REIT	COM	95040Q104	14,591	141	SH		DFND	1	141	0	0
Wendy's International Inc.	COM	95058W100	5,668	334	SH		DFND	1	0	0	334
Western Alliance Bancorporation	COM	957638109	6,450	103	SH		DFND	1	0	0	103
Westinghouse Air Brake Technol	Com	929740108	213,368	1,350	SH		OTR	0	1,350	0	0
Westrock Co	COM	96145D105	17,893	356	SH		DFND	1	0	0	356
Weyerhaeuser CO REIT	Com	962166104	312,631	11,012	SH		SOLE	0	10,742	0	270
Weyerhaeuser CO REIT	Com	962166104	382,300	13,466	SH		OTR	0	13,466	0	0
WisdomTree MidCap Dividend	COM	97717W505	1,104,431	23,621	SH		DFND	1	0	0	23,621
WisdomTree MidCap Dividend ETF	Com	97717W505	2,140,756	45,772	SH		SOLE	0	45,376	0	396
WisdomTree MidCap Dividend ETF	Com	97717W505	281,041	6,009	SH		OTR	0	2,999	0	3,010
WisdomTree SmallCap Dividend	COM	97717W604	931,732	29,924	SH		DFND	1	0	0	29,924
WisdomTree SmallCap Dividend E	Com	97717W604	712,774	22,882	SH		SOLE	0	22,812	0	70
WisdomTree SmallCap Dividend E	Com	97717W604	25,605	822	SH		OTR	0	822	0	0
Wk Kellogg Co	COM	92942W107	757	46	SH		DFND	1	0	0	46
Xcel Energy Inc	COM	98389B100	67,096	1,263	SH		DFND	1	404	0	859
Xpo Logistics Inc	COM	983793100	13,693	129	SH		DFND	1	0	0	129
Xylem Inc	Com	98419M100	495,050	3,650	SH		SOLE	0	3,650	0	0
Xylem Inc	Com	98419M100	101,723	750	SH		OTR	0	750	0	0
Yum China Holdings, Inc.	COM	98850P109	5,644	183	SH		DFND	1	0	0	183
Yum! Brands Inc	Com	988498101	238,031	1,797	SH		SOLE	0	1,797	0	0
Yum! Brands Inc	Com	988498101	187,431	1,415	SH		OTR	0	1,415	0	0
Yum! Brands, Inc.	COM	988498101	30,333	229	SH		DFND	1	0	0	229
Zimmer Biomet Holdings Inc	Com	98956P102	374,754	3,453	SH		SOLE	0	3,263	0	190
Zimmer Biomet Holdings Inc	Com	98956P102	317,016	2,921	SH		OTR	0	2,872	49	0
Zoetis Inc	Com	98978V103	238,717	1,377	SH		SOLE	0	1,377	0	0
Zoetis Inc	Com	98978V103	748,915	4,320	SH		OTR	0	4,320	0	0
Zoetis Inc	COM	98978V103	75,758	437	SH		DFND	1	0	0	437