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
Estimated average burden
hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ACTAVIS PLC EUR COMMON STOCK G0083B108 12 40 SH   SOLE   40 0 0
ALLEGION PLC FOREIGN EQUITIES G0176J109 5 80 SH   SOLE   80 0 0
ACCENTURE LTD BERMUDA CL A FOREIGN EQUITIES G1151C101 131 1,400 SH   SOLE   1,400 0 0
ACCENTURE LTD BERMUDA CL A FOREIGN EQUITIES G1151C101 37 400 SH   DFND   200 200 0
HELEN OF TROY LTD FOREIGN EQUITIES G4388N106 6 76 SH   SOLE   76 0 0
INGERSOLL-RAND PUBLIC LTD FOREIGN EQUITIES G47791101 16 240 SH   SOLE   240 0 0
WEATHERFORD INTERNATIONAL COMMON STOCK G48833100 1 100 SH   DFND   100 0 0
INVESCO LTD COMMON STOCK G491BT108 2 41 SH   SOLE   41 0 0
JAZZ PHARMACEUTICALS PLC FOREIGN EQUITIES G50871105 6 36 SH   SOLE   36 0 0
MEDTRONIC PLC ORDINARY FOREIGN EQUITIES G5960L103 421 5,400 SH   SOLE   5,100 0 300
MEDTRONIC PLC ORDINARY FOREIGN EQUITIES G5960L103 55 700 SH   DFND   300 400 0
STRATASYS LTD COMMON STOCK M85548101 26 500 SH   SOLE   500 0 0
CORE LABORATORIES N V COM COMMON STOCK N22717107 4 42 SH   SOLE   42 0 0
LYONDELLBASELL INDUSTRIES N.V. CL A FOREIGN EQUITIES N53745100 8 88 SH   SOLE   88 0 0
MYLAN NV FOREIGN EQUITIES N59465109 24 400 SH   SOLE   400 0 0
COPA HOLDINGS SA FOREIGN EQUITIES P31076105 2 22 SH   SOLE   22 0 0
ACNB CORP COMMON STOCK 000868109 10 500 SH   SOLE   500 0 0
AOL INC COMMON STOCK 00184X105 0 3 SH   SOLE   3 0 0
AT&T INC COM COMMON STOCK 00206R102 1,369 41,933 SH   SOLE   39,833 1,600 500
AT&T INC COM COMMON STOCK 00206R102 882 27,020 SH   DFND   19,724 7,296 0
ABBOTT LABS COM COMMON STOCK 002824100 770 16,630 SH   SOLE   15,230 1,100 300
ABBOTT LABS COM COMMON STOCK 002824100 368 7,950 SH   DFND   7,650 300 0
ABBVIE, INC COMMON STOCK 00287Y109 921 15,730 SH   SOLE   14,430 1,000 300
ABBVIE, INC COMMON STOCK 00287Y109 524 8,950 SH   DFND   8,650 300 0
AECOM TECHNOLOGY CORP COMMON STOCK 00766T100 0 15 SH   SOLE   15 0 0
AETNA INC NEW COM COMMON STOCK 00817Y108 11 104 SH   SOLE   104 0 0
AGILENT TECHNOLOGIES INC COM COMMON STOCK 00846U101 8 200 SH   DFND   0 200 0
AIR PRODUCT AND CHEMICALS INC COMMON STOCK 009158106 1,181 7,810 SH   SOLE   7,210 600 0
AIR PRODUCT AND CHEMICALS INC COMMON STOCK 009158106 408 2,700 SH   DFND   2,500 200 0
ALCOA INC COMMON STOCK 013817101 9 712 SH   SOLE   712 0 0
ALCATEL-LUCENT SPONSORED ADR FOREIGN EQUITIES 013904305 0 54 SH   DFND   54 0 0
ALLSTATE CORP COM COMMON STOCK 020002101 9 126 SH   SOLE   126 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 305 6,091 SH   SOLE   5,491 0 600
ALTRIA GROUP INC COMMON STOCK 02209S103 185 3,700 SH   DFND   1,900 1,800 0
AMERICAN ELEC PWR INC COM COMMON STOCK 025537101 25 450 SH   SOLE   450 0 0
AMERICAN ELEC PWR INC COM COMMON STOCK 025537101 106 1,885 SH   DFND   1,885 0 0
AMERICAN EQUITY INVT LIFE HLDG COMMON STOCK 025676206 3 111 SH   SOLE   111 0 0
AMERICAN EXPRESS CO COM COMMON STOCK 025816109 903 11,561 SH   SOLE   10,861 700 0
AMERICAN EXPRESS CO COM COMMON STOCK 025816109 680 8,700 SH   DFND   200 8,500 0
AMERICAN INTL GROUP WARRANTSEXP 1/19/2021 WARRANTS & RIGHTS 026874156 0 8 SH   SOLE   8 0 0
AMERICAN INTL GROUP WARRANTSEXP 1/19/2021 WARRANTS & RIGHTS 026874156 0 14 SH   DFND   14 0 0
AMERICAN INTL GROUP INC COM COMMON STOCK 026874784 2 35 SH   SOLE   35 0 0
AMERICAN WATER WORKS COMMON STOCK 030420103 635 11,725 SH   SOLE   9,825 1,900 0
AMERICAN WATER WORKS COMMON STOCK 030420103 79 1,450 SH   DFND   1,350 100 0
AMERIPRISE FINL INC COM COMMON STOCK 03076C106 95 725 SH   SOLE   725 0 0
AMERIPRISE FINL INC COM COMMON STOCK 03076C106 262 2,000 SH   DFND   0 2,000 0
AMGEN INC COM COMMON STOCK 031162100 404 2,525 SH   SOLE   2,525 0 0
AMGEN INC COM COMMON STOCK 031162100 160 1,000 SH   DFND   1,000 0 0
APPLE COMPUTER INC COM COMMON STOCK 037833100 1,606 12,906 SH   SOLE   12,281 625 0
APPLE COMPUTER INC COM COMMON STOCK 037833100 651 5,230 SH   DFND   4,815 415 0
APPLIED MATLS INC COM COMMON STOCK 038222105 23 1,000 SH   SOLE   1,000 0 0
AQUA AMERICA INC COM COMMON STOCK 03836W103 66 2,500 SH   SOLE   1,250 0 1,250
AQUA AMERICA INC COM COMMON STOCK 03836W103 50 1,916 SH   DFND   250 1,666 0
ASHLAND INC NEW COM COMMON STOCK 044209104 2 13 SH   DFND   13 0 0
ASTORIA FINL CORP COMMON STOCK 046265104 2 138 SH   SOLE   138 0 0
AUTOMATIC DATA PROCESSING INCOM COMMON STOCK 053015103 655 7,650 SH   SOLE   7,450 200 0
AUTOMATIC DATA PROCESSING INCOM COMMON STOCK 053015103 64 750 SH   DFND   250 500 0
BB&T CORP COM COMMON STOCK 054937107 22 560 SH   SOLE   560 0 0
BP PLC SPONSORED ADR FOREIGN EQUITIES 055622104 227 5,814 SH   SOLE   5,034 780 0
BP PLC SPONSORED ADR FOREIGN EQUITIES 055622104 70 1,800 SH   DFND   1,600 200 0
BP PRUDHOE BAY ROYALTY TRUST ROYALTY TRUST 055630107 17 300 SH   SOLE   300 0 0
BANKAMERICA CORP NEW COMMON STOCK 060505104 59 3,830 SH   SOLE   3,830 0 0
BANKAMERICA CORP NEW COMMON STOCK 060505104 10 650 SH   DFND   500 150 0
BANK NEW YORK MELLON CORP COM COMMON STOCK 064058100 133 3,300 SH   SOLE   3,300 0 0
BANK NEW YORK MELLON CORP COM COMMON STOCK 064058100 113 2,800 SH   DFND   2,800 0 0
BAXTER INTL INC COM COMMON STOCK 071813109 862 12,587 SH   SOLE   11,187 1,400 0
BAXTER INTL INC COM COMMON STOCK 071813109 99 1,450 SH   DFND   1,150 300 0
BECTON DICKINSON & CO COM COMMON STOCK 075887109 2 14 SH   SOLE   14 0 0
BERKSHIRE HATHAWAY "B" NEW COMMON STOCK 084670702 498 3,450 SH   SOLE   2,950 500 0
BERKSHIRE HATHAWAY "B" NEW COMMON STOCK 084670702 202 1,400 SH   DFND   1,400 0 0
BIOGEN IDEC INC COM COMMON STOCK 09062X103 4 10 SH   SOLE   10 0 0
BOEING CO COM COMMON STOCK 097023105 595 3,964 SH   SOLE   3,864 0 100
BOEING CO COM COMMON STOCK 097023105 465 3,100 SH   DFND   3,100 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 1,267 19,637 SH   SOLE   19,237 0 400
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 474 7,348 SH   DFND   5,085 2,263 0
BRISTOW GROUP INC COMMON STOCK 110394103 4 76 SH   SOLE   76 0 0
BUCKEYE PARTNERS COMMON STOCK 118230101 264 3,500 SH   DFND   3,400 100 0
CBS CORP CL B COMMON STOCK 124857202 6 103 SH   SOLE   103 0 0
CDK GLOBAL, INC. COMMON STOCK 12508E101 8 174 SH   SOLE   174 0 0
CLECO CORP COMMON STOCK 12561W105 109 2,000 SH   SOLE   2,000 0 0
CSX CORP COM COMMON STOCK 126408103 19 575 SH   SOLE   575 0 0
CVS/CAREMARK CORP COM COMMON STOCK 126650100 110 1,065 SH   SOLE   1,065 0 0
CABOT OIL & GAS CORPORATION COMMON STOCK 127097103 59 2,000 SH   SOLE   2,000 0 0
CALAMOS CONV & HIGH INC FD MUTUAL FUNDS-FIXED INCOME 12811P108 40 2,800 SH   SOLE   0 2,800 0
CALIFORNIA RESOURCES CORP COMMON STOCK 13057Q107 4 480 SH   SOLE   480 0 0
CAMPBELL SOUP CO COM COMMON STOCK 134429109 28 600 SH   SOLE   600 0 0
CANTEL MEDICAL CORP COMMON STOCK 138098108 5 105 SH   SOLE   105 0 0
CAPITAL ONE FINL CORP COMMON STOCK 14040H105 16 200 SH   SOLE   200 0 0
CARDINAL HEALTH INC COMMON STOCK 14149Y108 34 374 SH   SOLE   374 0 0
CARRIZO OIL & GAS INC. COMMON STOCK 144577103 20 400 SH   SOLE   400 0 0
CATERPILLAR INC DEL COM COMMON STOCK 149123101 204 2,550 SH   SOLE   2,550 0 0
CATERPILLAR INC DEL COM COMMON STOCK 149123101 36 450 SH   DFND   200 250 0
CELGENE CORP COM COMMON STOCK 151020104 9 80 SH   SOLE   80 0 0
CHECKPOINT SYSTEMS INC COMMON STOCK 162825103 1 81 SH   SOLE   81 0 0
CHESAPEAKE ENERGY CORP COM COMMON STOCK 165167107 7 500 SH   SOLE   500 0 0
CHEVRONTEXACO CORP COM COMMON STOCK 166764100 667 6,356 SH   SOLE   5,266 1,090 0
CHEVRONTEXACO CORP COM COMMON STOCK 166764100 886 8,440 SH   DFND   8,140 300 0
CHUBB CORP COM COMMON STOCK 171232101 22 213 SH   SOLE   213 0 0
CISCO SYS INC COM COMMON STOCK 17275R102 865 31,440 SH   SOLE   29,240 2,200 0
CISCO SYS INC COM COMMON STOCK 17275R102 111 4,050 SH   DFND   1,650 2,400 0
CITIZENS & NORTHERN CORP COMMON STOCK 172922106 32 1,600 SH   SOLE   1,600 0 0
CITIGROUP INC NEW COMMON STOCK 172967424 70 1,354 SH   SOLE   1,304 50 0
CITIGROUP INC NEW COMMON STOCK 172967424 8 161 SH   DFND   161 0 0
CLOROX COMPANY COMMON STOCK 189054109 11 100 SH   SOLE   100 0 0
COCA COLA CO COM COMMON STOCK 191216100 2,310 56,978 SH   SOLE   54,678 1,500 800
COCA COLA CO COM COMMON STOCK 191216100 275 6,786 SH   DFND   4,986 1,800 0
COCA-COLA ENTERPRISES INC NEW COMMON STOCK 19122T109 9 193 SH   SOLE   193 0 0
COLGATE PALMOLIVE CO COM COMMON STOCK 194162103 539 7,780 SH   SOLE   7,780 0 0
COLGATE PALMOLIVE CO COM COMMON STOCK 194162103 291 4,200 SH   DFND   3,500 700 0
COMCAST CORP COMMON STOCK 20030N101 112 1,977 SH   SOLE   1,977 0 0
COMCAST CORP COMMON STOCK 20030N101 44 777 SH   DFND   777 0 0
COMMUNITY BANK SYSTEM INC COMMON STOCK 203607106 43 1,208 SH   SOLE   1,208 0 0
CONAGRA FOODS INC COM COMMON STOCK 205887102 4 100 SH   SOLE   100 0 0
CONOCOPHILLIPS COM COMMON STOCK 20825C104 300 4,813 SH   SOLE   4,813 0 0
CONOCOPHILLIPS COM COMMON STOCK 20825C104 718 11,530 SH   DFND   6,530 5,000 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 28 456 SH   SOLE   456 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 61 1,000 SH   DFND   1,000 0 0
CORNING INC COM COMMON STOCK 219350105 5 233 SH   SOLE   233 0 0
CURRENCY SH AUSTRALIAN DOLLAR SHS MUTUAL FUNDS-ETF EQUITIES 23129U101 15 200 SH   SOLE   200 0 0
DNP SELECT INCOME FD INC MUTUAL FUNDS- BALANCED 23325P104 32 3,000 SH   SOLE   0 3,000 0
DEERE & CO COM COMMON STOCK 244199105 490 5,585 SH   SOLE   5,085 300 200
DEERE & CO COM COMMON STOCK 244199105 208 2,375 SH   DFND   2,125 250 0
DISNEY WALT CO COM DISNEY COMMON STOCK 254687106 355 3,384 SH   SOLE   3,384 0 0
DISNEY WALT CO COM DISNEY COMMON STOCK 254687106 41 390 SH   DFND   390 0 0
DISCOVER FINL SVCS COMMON STOCK 254709108 8 136 SH   SOLE   136 0 0
DOMINION RES INC VA NEW COM COMMON STOCK 25746U109 899 12,692 SH   SOLE   11,892 200 600
DOMINION RES INC VA NEW COM COMMON STOCK 25746U109 517 7,300 SH   DFND   5,500 1,800 0
DOW CHEM CO COM COMMON STOCK 260543103 257 5,351 SH   SOLE   5,251 0 100
DOW CHEM CO COM COMMON STOCK 260543103 165 3,430 SH   DFND   3,130 300 0
DU PONT E I DE NEMOURS & CO COM COMMON STOCK 263534109 1,753 24,532 SH   SOLE   22,932 1,000 600
DU PONT E I DE NEMOURS & CO COM COMMON STOCK 263534109 1,935 27,074 SH   DFND   8,100 18,974 0
DUKE ENERGY HLDG CORP COMMON STOCK 26441C204 253 3,292 SH   SOLE   3,292 0 0
DUKE ENERGY HLDG CORP COMMON STOCK 26441C204 253 3,298 SH   DFND   3,232 66 0
E M C CORP MASS COM COMMON STOCK 268648102 25 962 SH   SOLE   962 0 0
E M C CORP MASS COM COMMON STOCK 268648102 15 600 SH   DFND   0 600 0
EATON VANCE CORP- NON VTG COMMON STOCK 278265103 3 64 SH   SOLE   64 0 0
EBAY INC COM COMMON STOCK 278642103 25 434 SH   SOLE   434 0 0
EDWARDS LIFESCIENCES CORP COM COMMON STOCK 28176E108 57 400 SH   SOLE   400 0 0
EMERSON ELEC CO COM COMMON STOCK 291011104 1,391 24,570 SH   SOLE   22,770 1,400 400
EMERSON ELEC CO COM COMMON STOCK 291011104 399 7,050 SH   DFND   5,850 1,200 0
ENERGY TRANSFER PARTNERS LP COMMON STOCK 29273R109 8 150 SH   SOLE   150 0 0
ENERGY TRANSFER EQUITY L P COM UNIT LTD PRTNERS COMMON STOCK 29273V100 1,521 24,000 SH   SOLE   24,000 0 0
ENERGY TRANSFER EQUITY L P COM UNIT LTD PRTNERS COMMON STOCK 29273V100 13 204 SH   DFND   204 0 0
ENERSYS COMMON STOCK 29275Y102 5 78 SH   SOLE   78 0 0
ENTEGRIS INC COMMON STOCK 29362U104 3 251 SH   SOLE   251 0 0
ENTERPRISE PROD PRTNRS L.P. COMMON STOCK 293792107 132 4,000 SH   DFND   4,000 0 0
EQUIFAX INC COMMON STOCK 294429105 4 41 SH   SOLE   41 0 0
EVERSOURCE ENERGY NPV COMMON STOCK 30040W108 3 50 SH   SOLE   50 0 0
YORKVILLE HIGH INCOME MLP ETF MUTUAL FUNDS-ETF EQUITIES 301505103 62 5,400 SH   SOLE   5,400 0 0
EXELON CORP COM COMMON STOCK 30161N101 451 13,410 SH   SOLE   12,910 0 500
EXELON CORP COM COMMON STOCK 30161N101 95 2,833 SH   DFND   2,633 200 0
EXELIS INC COMMON STOCK 30162A108 16 660 SH   SOLE   660 0 0
EXELIS INC COMMON STOCK 30162A108 11 463 SH   DFND   463 0 0
EXPEDITORS INTL WASH INC COMMON STOCK 302130109 1,301 26,995 SH   SOLE   25,045 1,450 500
EXPEDITORS INTL WASH INC COMMON STOCK 302130109 238 4,950 SH   DFND   3,050 1,900 0
EXXON MOBIL CORP COM COMMON STOCK 30231G102 3,019 35,514 SH   SOLE   34,714 700 100
EXXON MOBIL CORP COM COMMON STOCK 30231G102 3,206 37,712 SH   DFND   20,301 17,411 0
FLIR SYSTEM INC COMMON STOCK 302445101 3 109 SH   SOLE   109 0 0
F N B CORP PA COMMON STOCK 302520101 761 57,937 SH   SOLE   57,937 0 0
FACEBOOK INC COMMON STOCK 30303M102 16 200 SH   SOLE   200 0 0
FACEBOOK INC COMMON STOCK 30303M102 8 100 SH   DFND   0 100 0
FASTENAL CO COM COMMON STOCK 311900104 1,806 43,600 SH   SOLE   40,350 1,850 1,400
FASTENAL CO COM COMMON STOCK 311900104 321 7,750 SH   DFND   5,450 2,300 0
FIFTH THIRD BANCORP COMMON STOCK 316773100 9 493 SH   SOLE   493 0 0
FIRST COMMONWEALTH FINL CP PA COMMON STOCK 319829107 9 1,000 SH   SOLE   1,000 0 0
FIRST SOLAR INC COMMON STOCK 336433107 12 200 SH   DFND   200 0 0
FORD MTR CO DEL COM PAR $0.01 COMMON STOCK 345370860 8 500 SH   SOLE   500 0 0
FORD MTR CO DEL COM PAR $0.01 COMMON STOCK 345370860 3 157 SH   DFND   157 0 0
FOX CHASE BANCORP INC. COMMON STOCK 35137T108 2 100 SH   SOLE   100 0 0
FRANKLIN ELECTRIC INC COMMON STOCK 353514102 4 104 SH   SOLE   104 0 0
FRANKLIN RESOURCES INC COMMON STOCK 354613101 7 141 SH   SOLE   141 0 0
FREEPORTMCMORAN COPP CL B COMMON STOCK 35671D857 5 268 SH   SOLE   54 214 0
FRONTIER COMMUNICATIONS CORP COMMON STOCK 35906A108 2 295 SH   SOLE   295 0 0
FRONTIER COMMUNICATIONS CORP COMMON STOCK 35906A108 3 411 SH   DFND   411 0 0
GATX CORP COMMON STOCK 361448103 4 72 SH   SOLE   72 0 0
GABELLI GLOBAL MULTIMEDIA TR INC COMMON STOCK 36239Q109 2 200 SH   SOLE   200 0 0
GABELLI EQUITY TR INC COMMON STOCK 362397101 20 3,000 SH   SOLE   3,000 0 0
GABELLI UTILITY TRUST FD COMMON STOCK 36240A101 14 2,000 SH   SOLE   2,000 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 122 900 SH   SOLE   900 0 0
GENERAL ELEC CO COM COMMON STOCK 369604103 2,727 109,954 SH   SOLE   106,154 3,800 0
GENERAL ELEC CO COM COMMON STOCK 369604103 1,088 43,871 SH   DFND   21,600 22,271 0
GENERAL MLS INC COM COMMON STOCK 370334104 929 16,409 SH   SOLE   15,309 1,100 0
GENERAL MLS INC COM COMMON STOCK 370334104 235 4,150 SH   DFND   2,850 1,300 0
GILEAD SCIENCES INC COMMON STOCK 375558103 17 175 SH   SOLE   175 0 0
GLATFELTER COM COMMON STOCK 377316104 6 200 SH   SOLE   200 0 0
GLAXOSMITHKLINE PLC SPONSORED ADR FOREIGN EQUITIES 37733W105 460 9,975 SH   SOLE   9,975 0 0
GLAXOSMITHKLINE PLC SPONSORED ADR FOREIGN EQUITIES 37733W105 288 6,250 SH   DFND   5,650 600 0
GLOBAL PAMENTS INC COMMON STOCK 37940X102 5 57 SH   SOLE   57 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 10 55 SH   SOLE   55 0 0
GOOGLE INC CL A COMMON STOCK 38259P508 92 166 SH   SOLE   166 0 0
GOOGLE INC CL A COMMON STOCK 38259P508 6 10 SH   DFND   0 10 0
GOOGLE INC. CL C COMMON STOCK 38259P706 151 276 SH   SOLE   276 0 0
GOOGLE INC. CL C COMMON STOCK 38259P706 19 35 SH   DFND   0 35 0
HALLIBURTON CO COMMON STOCK 406216101 5 118 SH   SOLE   118 0 0
HALYARD HEALTH, INC. COMMON STOCK 40650V100 1 18 SH   SOLE   18 0 0
HALYARD HEALTH, INC. COMMON STOCK 40650V100 17 346 SH   DFND   346 0 0
HARSCO CORP COMMON STOCK 415864107 1 78 SH   SOLE   78 0 0
HARTFORD FINL SVCS COMMON STOCK 416515104 12 280 SH   SOLE   280 0 0
HARTFORD FINL SVCS COMMON STOCK 416515104 16 373 SH   DFND   373 0 0
HERSHA HOSPITALITY TRUST COMMON STOCK 427825104 6 1,000 SH   SOLE   1,000 0 0
HERSHEY FOODS CORP COM COMMON STOCK 427866108 51 504 SH   SOLE   504 0 0
HEWLETT PACKARD CO COM COMMON STOCK 428236103 16 500 SH   SOLE   500 0 0
HEWLETT PACKARD CO COM COMMON STOCK 428236103 2 50 SH   DFND   50 0 0
HEXCEL CORP- NEW COMMON STOCK 428291108 8 146 SH   SOLE   146 0 0
HOME DEPOT INC COM COMMON STOCK 437076102 91 800 SH   SOLE   800 0 0
HONEYWELL INTL INC COM COMMON STOCK 438516106 42 400 SH   SOLE   400 0 0
HONEYWELL INTL INC COM COMMON STOCK 438516106 73 700 SH   DFND   600 100 0
HOPFED BANCORP INC COMMON STOCK 439734104 10 750 SH   SOLE   750 0 0
HOSPIRA INC COMMON STOCK 441060100 31 350 SH   SOLE   350 0 0
HUNTINGTON BANCSHARES INC COMMON STOCK 446150104 11 1,000 SH   SOLE   1,000 0 0
ITT CORP NEW COM NEW COMMON STOCK 450911201 13 330 SH   SOLE   330 0 0
ITT CORP NEW COM NEW COMMON STOCK 450911201 9 231 SH   DFND   231 0 0
INTEL CORP COM COMMON STOCK 458140100 790 25,256 SH   SOLE   23,706 1,150 400
INTEL CORP COM COMMON STOCK 458140100 358 11,450 SH   DFND   8,950 2,500 0
INTERNATIONAL BUSINESS MACHSCOM COMMON STOCK 459200101 1,301 8,109 SH   SOLE   7,909 200 0
INTERNATIONAL BUSINESS MACHSCOM COMMON STOCK 459200101 3,178 19,800 SH   DFND   8,600 11,200 0
INTL PAPER CO COM COMMON STOCK 460146103 7 130 SH   SOLE   130 0 0
INTL PAPER CO COM COMMON STOCK 460146103 39 700 SH   DFND   0 700 0
INTUITIVE SURGICAL INC. COMMON STOCK 46120E602 8 15 SH   DFND   0 15 0
INVESCO VAN KAMPEN SR INCOMETR MUTUAL FUNDS-ETF EQUITIES 46131H107 7 1,400 SH   SOLE   1,400 0 0
ISHARES SILVER TRUST ETF MUTUAL FUNDS-ETF EQUITIES 46428Q109 16 1,000 SH   SOLE   500 500 0
ISHARES GOLD TRUST MUTUAL FUNDS-ETF EQUITIES 464285105 8 674 SH   SOLE   674 0 0
ISHARES BARCLAYS TIPS BND FD MUTUAL FUNDS-ETF FIXED INCOME 464287176 15 134 SH   SOLE   134 0 0
ISHARES TR S&P NA NATURAL RESOURCES MUTUAL FUNDS-EQUITIES 464287374 56 1,500 SH   DFND   0 1,500 0
ISHARES TR MSCI EAFE INDEX MUTUAL FUNDS-ETF EQUITIES 464287465 80 1,250 SH   SOLE   1,250 0 0
ISHARES TR MSCI EAFE INDEX MUTUAL FUNDS-ETF EQUITIES 464287465 96 1,500 SH   DFND   0 1,500 0
J P MORGAN CHASE & CO COM COMMON STOCK 46625H100 1,057 17,449 SH   SOLE   16,249 1,200 0
J P MORGAN CHASE & CO COM COMMON STOCK 46625H100 139 2,300 SH   DFND   1,100 1,200 0
JOHNSON & JOHNSON COM COMMON STOCK 478160104 2,593 25,776 SH   SOLE   24,876 900 0
JOHNSON & JOHNSON COM COMMON STOCK 478160104 874 8,683 SH   DFND   6,333 2,350 0
JOHNSON CONTROLS INC COMMON STOCK 478366107 33 650 SH   SOLE   650 0 0
KELLOGG CO COM COMMON STOCK 487836108 534 8,100 SH   SOLE   6,700 900 500
KELLOGG CO COM COMMON STOCK 487836108 115 1,750 SH   DFND   1,650 100 0
KEYSIGHT TECHNOLOGIES INC. COMMON STOCK 49338L103 4 100 SH   DFND   0 100 0
KIMBERLY CLARK CORP COM COMMON STOCK 494368103 268 2,500 SH   SOLE   2,400 100 0
KIMBERLY CLARK CORP COM COMMON STOCK 494368103 321 2,997 SH   DFND   2,997 0 0
KINDER MORGAN INC (DE) CLASS P COMMON STOCK 49456B101 60 1,425 SH   SOLE   1,425 0 0
KINDER MORGAN INC (DE) CLASS P COMMON STOCK 49456B101 9 219 SH   DFND   219 0 0
KRAFT FOODS GROUP INC. COMMON STOCK 50076Q106 258 2,966 SH   SOLE   2,666 0 300
KRAFT FOODS GROUP INC. COMMON STOCK 50076Q106 373 4,277 SH   DFND   3,578 699 0
LABORATORY CORP AMER HLDGS COM NEW COMMON STOCK 50540R409 1 10 SH   SOLE   10 0 0
ESTEE LAUDER COMPANIES INC CL A COMMON STOCK 518439104 23 275 SH   SOLE   275 0 0
LIFE TIME FITNESS INC COMMON STOCK 53217R207 5 71 SH   SOLE   71 0 0
LILLY ELI & CO COM COMMON STOCK 532457108 543 7,475 SH   SOLE   7,075 0 400
LILLY ELI & CO COM COMMON STOCK 532457108 594 8,170 SH   DFND   6,220 1,950 0
LINCOLN NATIONAL CORP COMMON STOCK 534187109 7 117 SH   SOLE   117 0 0
LINEAR TECHNOLOGY CORP COMMON STOCK 535678106 1,036 22,150 SH   SOLE   20,250 1,900 0
LINEAR TECHNOLOGY CORP COMMON STOCK 535678106 285 6,100 SH   DFND   4,000 2,100 0
LINKEDIN CORP COMMON STOCK 53578A108 12 50 SH   SOLE   50 0 0
LINN ENERGY LLC COMMON STOCK 536020100 6 500 SH   SOLE   500 0 0
LINN ENERGY LLC COMMON STOCK 536020100 6 550 SH   DFND   550 0 0
LITTLEFUSE INC COMMON STOCK 537008104 4 38 SH   SOLE   38 0 0
LOCKHEED MARTIN CORP COM COMMON STOCK 539830109 51 250 SH   SOLE   250 0 0
LOWES COS INC COM COMMON STOCK 548661107 192 2,575 SH   SOLE   2,175 0 400
LOWES COS INC COM COMMON STOCK 548661107 56 750 SH   DFND   0 750 0
LULULEMON ATHLETICA COMMON STOCK 550021109 13 200 SH   SOLE   200 0 0
M&T BANK CORP COMMON STOCK 55261F104 39 310 SH   SOLE   310 0 0
MFS CHARTER INCOME TRUST MUTUAL FDS-NON TAX BNY 552727109 3 300 SH   SOLE   300 0 0
MAGNA INTERNATIONAL INC CL A FOREIGN EQUITIES 559222401 4 73 SH   SOLE   73 0 0
MANNKIND CORPORATION COMMON STOCK 56400P201 1 200 SH   DFND   200 0 0
MANULIFE FINANCIAL CORP FOREIGN EQUITIES 56501R106 56 3,294 SH   SOLE   3,294 0 0
MARATHON OIL CO COMMON STOCK 565849106 33 1,256 SH   SOLE   34 1,222 0
MARATHON PETROLEUM CORP COMMON STOCK 56585A102 64 628 SH   SOLE   17 611 0
MARKET VECTORS ETF TR LEHMAN BROS HY MUTUAL FUNDS-ETF EQUITIES 57060U878 6 180 SH   SOLE   180 0 0
MARTHA STEWART LIVING COMMON STOCK 573083102 1 200 SH   SOLE   200 0 0
MASTERCARD INCORPORATED COMMON STOCK 57636Q104 1,559 18,050 SH   SOLE   16,700 1,350 0
MASTERCARD INCORPORATED COMMON STOCK 57636Q104 272 3,150 SH   DFND   3,050 100 0
MATTEL INC COM COMMON STOCK 577081102 91 3,983 SH   SOLE   3,983 0 0
MCDONALDS CORP COM COMMON STOCK 580135101 794 8,150 SH   SOLE   7,450 700 0
MCDONALDS CORP COM COMMON STOCK 580135101 229 2,350 SH   DFND   2,250 100 0
MCKESSON CORP COMMON STOCK 58155Q103 23 100 SH   SOLE   100 0 0
MEAD JOHNSON NUTRITION CO CL A COMMON STOCK 582839106 7 68 SH   DFND   0 68 0
MEDICAL PROPERTIES TR INC COMMON STOCK 58463J304 3 188 SH   SOLE   188 0 0
MERCK & CO INC NEW COMMON STOCK 58933Y105 637 11,090 SH   SOLE   10,590 0 500
MERCK & CO INC NEW COMMON STOCK 58933Y105 250 4,350 SH   DFND   2,950 1,400 0
METLIFE INC COMMON STOCK 59156R108 24 482 SH   SOLE   482 0 0
METLIFE INC COMMON STOCK 59156R108 10 200 SH   DFND   0 200 0
MICROSOFT CORP COMMON STOCK 594918104 1,804 44,375 SH   SOLE   41,975 2,400 0
MICROSOFT CORP COMMON STOCK 594918104 396 9,750 SH   DFND   4,950 4,800 0
MICROCHIP TECHNOLOGY INC COM COMMON STOCK 595017104 1,194 24,415 SH   SOLE   22,315 1,700 400
MICROCHIP TECHNOLOGY INC COM COMMON STOCK 595017104 235 4,800 SH   DFND   3,300 1,500 0
MONDELEZ INTL INC COMMON STOCK 609207105 271 7,512 SH   SOLE   7,012 0 500
MONDELEZ INTL INC COMMON STOCK 609207105 400 11,091 SH   DFND   9,155 1,936 0
MOOG INC CLASS A COMMON STOCK 615394202 4 51 SH   SOLE   51 0 0
MOTOROLA SOLUTIONS, INC. COMMON STOCK 620076307 20 299 SH   SOLE   299 0 0
NBT BANCORP INC COM COMMON STOCK 628778102 3,508 140,025 SH   DFND   90,025 50,000 0
NCR CORP NEW COMMON STOCK 62886E108 1 27 SH   DFND   27 0 0
NATIONAL FUEL GAS COMPANY COMMON STOCK 636180101 3 48 SH   SOLE   48 0 0
NATIONAL OILWELL VARCO INC COM COMMON STOCK 637071101 672 13,440 SH   SOLE   12,640 800 0
NATIONAL OILWELL VARCO INC COM COMMON STOCK 637071101 60 1,200 SH   DFND   1,000 200 0
NATURES SUNSHINE PRODUCTS COMMON STOCK 639027101 13 1,000 SH   SOLE   1,000 0 0
NEW YORK TIMES CO CL A COMMON STOCK 650111107 8 600 SH   SOLE   600 0 0
NEWPARK RESOURCES INC COMMON STOCK 651718504 2 232 SH   SOLE   232 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 663 6,370 SH   SOLE   6,370 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 503 4,833 SH   DFND   3,183 1,650 0
NIKE INC CL B COMMON STOCK 654106103 27 271 SH   SOLE   271 0 0
NOKIA CORP SPONSORED ADR FOREIGN EQUITIES 654902204 2 200 SH   SOLE   200 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 841 8,175 SH   SOLE   8,175 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 250 2,425 SH   DFND   2,225 200 0
NORTHROP GRUMMAN CORP COM COMMON STOCK 666807102 32 200 SH   SOLE   200 0 0
NORWOOD FINANCIAL CORPORATION COMMON STOCK 669549107 163 5,881 SH   SOLE   5,881 0 0
NOVARTIS AG FOREIGN EQUITIES 66987V109 141 1,430 SH   SOLE   1,138 0 292
NOVARTIS AG FOREIGN EQUITIES 66987V109 68 692 SH   DFND   200 492 0
NOW INC COMMON STOCK 67011P100 28 1,273 SH   SOLE   1,273 0 0
NOW INC COMMON STOCK 67011P100 4 200 SH   DFND   175 25 0
NU SKIN ENTERPRISES INC A COMMON STOCK 67018T105 6 100 SH   DFND   100 0 0
NUCOR CORP COMMON STOCK 670346105 266 5,600 SH   SOLE   5,600 0 0
NUCOR CORP COMMON STOCK 670346105 169 3,550 SH   DFND   3,550 0 0
NUVEEN PERFORMANCE PLUS MUNICIPAL FUND INC MUTUAL FUNDS-ETF EQUITIES 67062P108 16 1,096 SH   SOLE   1,096 0 0
OCCIDENTAL PETE CORP DEL COM COMMON STOCK 674599105 665 9,111 SH   SOLE   9,111 0 0
OCCIDENTAL PETE CORP DEL COM COMMON STOCK 674599105 44 600 SH   DFND   0 600 0
OMNICARE INC COM COMMON STOCK 681904108 10 124 SH   SOLE   124 0 0
ONE GAS INC. COMMON STOCK 68235P108 1 19 SH   SOLE   19 0 0
ONEOK INC COMMON STOCK 682680103 4 76 SH   SOLE   76 0 0
ORACLE CORP COM COMMON STOCK 68389X105 651 15,079 SH   SOLE   14,879 200 0
ORACLE CORP COM COMMON STOCK 68389X105 147 3,400 SH   DFND   2,600 800 0
PNC FINL SVCS GROUP INC COM COMMON STOCK 693475105 567 6,086 SH   SOLE   4,786 900 400
PNC FINL SVCS GROUP INC COM COMMON STOCK 693475105 500 5,365 SH   DFND   115 5,250 0
PPG INDS INC COM COMMON STOCK 693506107 168 744 SH   SOLE   744 0 0
PPG INDS INC COM COMMON STOCK 693506107 73 325 SH   DFND   75 250 0
PPL CORP, COM COMMON STOCK 69351T106 1,581 46,996 SH   SOLE   46,796 0 200
PPL CORP, COM COMMON STOCK 69351T106 834 24,795 SH   DFND   24,795 0 0
PENNS WOODS BANCORP INC COMMON STOCK 708430103 49 1,000 SH   SOLE   0 1,000 0
PEOPLES FINL SVCS CORP COMMON STOCK 711040105 15,621 348,209 SH   SOLE   227,975 4,545 115,689
PEOPLES FINL SVCS CORP COMMON STOCK 711040105 291 6,490 SH   DFND   2,854 3,636 0
PEPSICO INC COM COMMON STOCK 713448108 3,372 35,260 SH   SOLE   33,960 1,000 300
PEPSICO INC COM COMMON STOCK 713448108 196 2,050 SH   DFND   450 1,600 0
PFIZER INC COM COMMON STOCK 717081103 2,539 72,990 SH   SOLE   70,440 1,850 700
PFIZER INC COM COMMON STOCK 717081103 1,746 50,176 SH   DFND   24,067 26,109 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109 358 4,755 SH   SOLE   4,755 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109 221 2,940 SH   DFND   1,240 1,700 0
PHILLIPS 66 COMMON STOCK 718546104 4 50 SH   SOLE   50 0 0
PHILLIPS 66 COMMON STOCK 718546104 316 4,015 SH   DFND   1,515 2,500 0
PITNEY BOWES INC COM COMMON STOCK 724479100 12 500 SH   SOLE   0 500 0
PLUM CREEK TIMBER CO INC COM COMMON STOCK 729251108 4 100 SH   DFND   100 0 0
POLARIS INDS INC COMMON STOCK 731068102 5 37 SH   SOLE   37 0 0
PRAXAIR INC COMMON STOCK 74005P104 12 100 SH   SOLE   100 0 0
PROCTER & GAMBLE CO COM COMMON STOCK 742718109 2,694 32,880 SH   SOLE   31,280 1,000 600
PROCTER & GAMBLE CO COM COMMON STOCK 742718109 3,006 36,688 SH   DFND   29,388 7,300 0
PUBLIC SVC ENTERPRISE GROUP COM COMMON STOCK 744573106 13 300 SH   SOLE   300 0 0
PUBLIC SVC ENTERPRISE GROUP COM COMMON STOCK 744573106 59 1,400 SH   DFND   1,400 0 0
PUTNAM MUNICIPAL OPP TRUST MUTUAL FUNDS-ETF EQUITIES 746922103 21 1,715 SH   SOLE   1,715 0 0
QUALCOMM INC COM COMMON STOCK 747525103 8 115 SH   SOLE   115 0 0
QUALCOMM INC COM COMMON STOCK 747525103 7 100 SH   DFND   100 0 0
RAYMOND JAMES FINANCIAL INC COMMON STOCK 754730109 5 80 SH   SOLE   80 0 0
RAYTHEON CO COM NEW COMMON STOCK 755111507 98 900 SH   SOLE   900 0 0
REGIONS FINANCIAL CORP NEW COMMON STOCK 7591EP100 6 684 SH   SOLE   684 0 0
REINSURANCE GROUP AMER INC COMMON STOCK 759351604 4 43 SH   SOLE   43 0 0
ROCKWELL AUTOMATION INC COMMON STOCK 773903109 6 50 SH   SOLE   50 0 0
ROCKWELL COLLINS INC COM COMMON STOCK 774341101 420 4,350 SH   SOLE   4,350 0 0
ROYAL BANCSHARES OF PA CL A COMMON STOCK 780081105 7 4,000 SH   SOLE   4,000 0 0
ROYAL BANK OF CANADA FOREIGN EQUITIES 780087102 18 300 SH   DFND   300 0 0
ROYAL DUTCH SHELL PLC RDS-B FOREIGN EQUITIES 780259107 19 300 SH   SOLE   300 0 0
ROYAL DUTCH SHELL PLC SPONS ADR A FOREIGN EQUITIES 780259206 143 2,400 SH   SOLE   2,400 0 0
ROYAL DUTCH SHELL PLC SPONS ADR A FOREIGN EQUITIES 780259206 359 6,020 SH   DFND   3,120 2,900 0
S&T BANCORP INC COMMON STOCK 783859101 18 650 SH   SOLE   650 0 0
SBA COMMUNICATIONS CORP CL A COMMON STOCK 78388J106 5 39 SH   SOLE   39 0 0
S&P REGIONAL BANKING ETF MUTUAL FUNDS-ETF EQUITIES 78464A698 4 100 SH   SOLE   100 0 0
ST JUDE MEDICAL INC COMMON STOCK 790849103 8 127 SH   SOLE   127 0 0
SANOFI AVENTIS SPONSORED ADR FOREIGN EQUITIES 80105N105 17 350 SH   SOLE   350 0 0
SCHLUMBERGER LTD COM COMMON STOCK 806857108 732 8,770 SH   SOLE   7,770 600 400
SCHLUMBERGER LTD COM COMMON STOCK 806857108 405 4,850 SH   DFND   4,450 400 0
SEVENTY SEVEN ENERGY INC COMMON STOCK 818097107 0 35 SH   SOLE   35 0 0
JM SMUCKER CO COMMON STOCK 832696405 11 94 SH   SOLE   94 0 0
JM SMUCKER CO COMMON STOCK 832696405 23 200 SH   DFND   0 200 0
SNAP ON INC COMMON STOCK 833034101 7 47 SH   SOLE   47 0 0
SOUTH JERSEY INDUSTRIES INC COMMON STOCK 838518108 57 1,051 SH   SOLE   1,051 0 0
SOUTHERN CO COM COMMON STOCK 842587107 780 17,620 SH   SOLE   16,620 300 700
SOUTHERN CO COM COMMON STOCK 842587107 248 5,600 SH   DFND   4,900 700 0
SPECTRA ENERGY CORP COM COMMON STOCK 847560109 1,131 31,275 SH   SOLE   29,075 2,200 0
SPECTRA ENERGY CORP COM COMMON STOCK 847560109 463 12,800 SH   DFND   10,900 1,900 0
STARBUCKS CORP COM COMMON STOCK 855244109 737 7,780 SH   SOLE   7,080 700 0
STARBUCKS CORP COM COMMON STOCK 855244109 125 1,325 SH   DFND   1,325 0 0
STARWOOD HOTELS&RESORTS WRLDCOM COMMON STOCK 85590A401 20 245 SH   DFND   245 0 0
STATE STR CORP COM COMMON STOCK 857477103 130 1,768 SH   SOLE   1,768 0 0
SUBURBAN PROPANE PARTNERS L UNIT LTD PARTN COMMON STOCK 864482104 13 300 SH   SOLE   300 0 0
SUNCOR ENERGY INC NEW COM FOREIGN EQUITIES 867224107 281 9,600 SH   SOLE   9,100 500 0
SUNCOR ENERGY INC NEW COM FOREIGN EQUITIES 867224107 146 5,000 SH   DFND   4,100 900 0
SUNOCO LOGISTICS PARTNERS LP COMMON STOCK 86764L108 66 1,600 SH   SOLE   1,600 0 0
SUNPOWER CORP COMMON STOCK 867652406 1 30 SH   DFND   30 0 0
SYSCO CORP COM COMMON STOCK 871829107 1,021 27,066 SH   SOLE   24,966 2,100 0
SYSCO CORP COM COMMON STOCK 871829107 79 2,100 SH   DFND   1,400 700 0
TECO ENERGY INC COM COMMON STOCK 872375100 4 200 SH   SOLE   200 0 0
TARGET CORP COMMON STOCK 87612E106 90 1,100 SH   SOLE   1,100 0 0
TELEDYNE TECHNOLOGIES INC COMMON STOCK 879360105 4 37 SH   SOLE   37 0 0
3 D SYSTEMS CORP (NEW) COMMON STOCK 88554D205 55 2,000 SH   SOLE   2,000 0 0
3M CO COMMON STOCK 88579Y101 1,690 10,246 SH   SOLE   10,146 0 100
3M CO COMMON STOCK 88579Y101 353 2,141 SH   DFND   1,766 375 0
TIME INC NEW COMMON STOCK 887228104 1 34 SH   SOLE   34 0 0
TIME INC NEW COMMON STOCK 887228104 1 24 SH   DFND   24 0 0
TIME WARNER INC COMMON STOCK 887317303 24 283 SH   SOLE   283 0 0
TIME WARNER INC COMMON STOCK 887317303 17 199 SH   DFND   199 0 0
TIME WARNER CABLE INC COMMON STOCK 88732J207 1 8 SH   SOLE   8 0 0
TIMKEN CO COMMON STOCK 887389104 3 60 SH   SOLE   60 0 0
TIMKENSTEEL CORP COMMON STOCK 887399103 1 30 SH   SOLE   30 0 0
TOOTSIE ROLL IND INC COMMON STOCK 890516107 137 4,031 SH   SOLE   4,031 0 0
TRAVELERS COMPANIES INC COM COMMON STOCK 89417E109 68 630 SH   SOLE   580 50 0
TRAVELERS COMPANIES INC COM COMMON STOCK 89417E109 16 150 SH   DFND   150 0 0
TRUSTMARK CORP COMMON STOCK 898402102 2 103 SH   SOLE   103 0 0
TWITTER INC. COMMON STOCK 90184L102 15 300 SH   SOLE   300 0 0
TWITTER INC. COMMON STOCK 90184L102 8 150 SH   DFND   50 100 0
US BANCORP DEL COMMON STOCK 902973304 1,025 23,485 SH   SOLE   21,685 1,800 0
US BANCORP DEL COMMON STOCK 902973304 114 2,600 SH   DFND   2,200 400 0
UNDER ARMOUR INC COMMON STOCK 904311107 12 150 SH   SOLE   150 0 0
UNILEVER NV NY SHR NEW FOREIGN EQUITIES 904784709 4 100 SH   SOLE   100 0 0
UNION PAC CORP COM COMMON STOCK 907818108 946 8,738 SH   SOLE   8,738 0 0
UNION PAC CORP COM COMMON STOCK 907818108 36 328 SH   DFND   328 0 0
UNITED BANKSHARES INC COMMON STOCK 909907107 3 74 SH   SOLE   74 0 0
UNITED FIRE GROUP INC COMMON STOCK 910340108 3 80 SH   SOLE   80 0 0
UNITED PARCEL SERVICE INC CL B COMMON STOCK 911312106 60 616 SH   SOLE   316 0 300
UNITED PARCEL SERVICE INC CL B COMMON STOCK 911312106 53 550 SH   DFND   150 400 0
UNITED STATES STL CORP NEW COM COMMON STOCK 912909108 2 62 SH   SOLE   0 62 0
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 118 1,010 SH   SOLE   1,010 0 0
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 870 7,424 SH   DFND   7,424 0 0
UNITEDHEALTH GROUP INC COM COMMON STOCK 91324P102 59 500 SH   SOLE   0 500 0
VF CORP COMMON STOCK 918204108 414 5,495 SH   SOLE   4,695 800 0
VF CORP COMMON STOCK 918204108 166 2,200 SH   DFND   2,000 200 0
VALERO ENERGY CORP NEW COM COMMON STOCK 91913Y100 10 152 SH   SOLE   152 0 0
VALSPAR CORP COMMON STOCK 920355104 6 68 SH   SOLE   68 0 0
VANGUARD B SHORT TERM BOND MUTUAL FUNDS-ETF FIXED INCOME 921937827 101 1,250 SH   DFND   0 1,250 0
VANGUARD BD INDEX FD INC TOTAL BD MARKET MUTUAL FUNDS-ETF EQUITIES 921937835 103 1,237 SH   DFND   0 1,237 0
VANGUARD FTSE DEVELOPED MARKET ETF MUTUAL FUNDS-ETF EQUITIES 921943858 9 234 SH   SOLE   234 0 0
VANGUARD INFORMATION TECH ETF MUTUAL FUNDS-ETF EQUITIES 92204A702 21 198 SH   SOLE   198 0 0
VANGUARD EMERGING MARKETS ETF MUTUAL FUNDS-ETF EQUITIES 922042858 142 3,471 SH   SOLE   2,900 571 0
VANGUARD EMERGING MARKETS ETF MUTUAL FUNDS-ETF EQUITIES 922042858 27 650 SH   DFND   650 0 0
VECTRUS INC. COMMON STOCK 92242T101 1 20 SH   SOLE   20 0 0
VECTRUS INC. COMMON STOCK 92242T101 1 25 SH   DFND   25 0 0
VANGUARD REIT ETF MUTUAL FUNDS-ETF EQUITIES 922908553 8 100 SH   DFND   0 100 0
VANGUARD MID CAP ETF MUTUAL FUNDS-ETF EQUITIES 922908629 78 586 SH   SOLE   486 100 0
VANGUARD MID CAP ETF MUTUAL FUNDS-ETF EQUITIES 922908629 53 400 SH   DFND   300 100 0
VANGUARD GROWTH ETF MUTUAL FUNDS-ETF EQUITIES 922908736 19 182 SH   SOLE   182 0 0
VANGUARD VALUE ETF MUTUAL FUNDS-ETF EQUITIES 922908744 20 235 SH   SOLE   235 0 0
VANGUARD SMALL CAP ETF MUTUAL FUNDS-ETF EQUITIES 922908751 85 691 SH   SOLE   591 100 0
VANGUARD SMALL CAP ETF MUTUAL FUNDS-ETF EQUITIES 922908751 49 400 SH   DFND   300 100 0
VERISIGN INC COM COMMON STOCK 92343E102 7 100 SH   SOLE   100 0 0
VERIZON COMMUNICATIONS COM COMMON STOCK 92343V104 2,269 46,651 SH   SOLE   43,926 1,594 1,131
VERIZON COMMUNICATIONS COM COMMON STOCK 92343V104 834 17,148 SH   DFND   11,538 5,610 0
VIACOM INC CL B COMMON STOCK 92553P201 17 254 SH   DFND   254 0 0
VISA CLASS A COMMON STOCK 92826C839 4,862 74,340 SH   SOLE   74,340 0 0
VISA CLASS A COMMON STOCK 92826C839 78 1,200 SH   DFND   1,200 0 0
VODAFONE GROUP PLC FOREIGN EQUITIES 92857W308 416 12,735 SH   SOLE   12,191 272 272
VODAFONE GROUP PLC FOREIGN EQUITIES 92857W308 143 4,381 SH   DFND   3,836 545 0
WGL HLDGS INC COMMON STOCK 92924F106 3 58 SH   SOLE   58 0 0
WAL MART STORES INC COM COMMON STOCK 931142103 520 6,320 SH   SOLE   6,320 0 0
WALGREENS BOOTS ALLIANCE COMMON STOCK 931427108 203 2,400 SH   SOLE   2,000 0 400
WALGREENS BOOTS ALLIANCE COMMON STOCK 931427108 17 200 SH   DFND   0 200 0
WEBSTER FINANCIAL CORP COMMON STOCK 947890109 5 143 SH   SOLE   143 0 0
WELLS FARGO & CO NEW COM COMMON STOCK 949746101 1,241 22,812 SH   SOLE   21,012 1,800 0
WELLS FARGO & CO NEW COM COMMON STOCK 949746101 47 857 SH   DFND   557 300 0
WELLS FARGO ADVANTAGE INCOME OPPORTUNITIES FD MUTUAL FUNDS-FIXED INCOME 94987B105 16 1,800 SH   SOLE   1,800 0 0
WESTERN UNION CO (WU) COMMON STOCK 959802109 102 4,900 SH   SOLE   4,900 0 0
WEYERHAEUSER CO COM COMMON STOCK 962166104 1,337 40,331 SH   SOLE   36,754 2,600 977
WEYERHAEUSER CO COM COMMON STOCK 962166104 223 6,744 SH   DFND   4,544 2,200 0
WHITING PETROLEUM CORP NEW COMMON STOCK 966387102 2 50 SH   SOLE   50 0 0
WILLIAMS PARTNERS L P NEW COMMON STOCK 96949L105 9 173 SH   DFND   0 173 0
WISCONSIN ENERGY CORP COM COMMON STOCK 976657106 19 375 SH   SOLE   375 0 0
XEROX CORP COM COMMON STOCK 984121103 11 875 SH   SOLE   875 0 0
XYLEM INC COMMON STOCK 98419M100 226 6,460 SH   SOLE   4,960 1,500 0
XYLEM INC COMMON STOCK 98419M100 20 563 SH   DFND   563 0 0
YAHOO INC COM COMMON STOCK 984332106 22 501 SH   SOLE   501 0 0
YAHOO INC COM COMMON STOCK 984332106 22 500 SH   DFND   500 0 0
ZIMMER HLDGS INC COM COMMON STOCK 98956P102 68 580 SH   SOLE   580 0 0
ZIMMER HLDGS INC COM COMMON STOCK 98956P102 228 1,940 SH   DFND   1,940 0 0