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
ALLEGION PLC FOREIGN EQUITIES G0176J109 8 80 SH   SOLE   80 0 0
ACCENTURE LTD BERMUDA CL A FOREIGN EQUITIES G1151C101 229 1,015 SH   SOLE   1,015 0 0
ACCENTURE LTD BERMUDA CL A FOREIGN EQUITIES G1151C101 45 200 SH   DFND   200 0 0
EATON CORP PLC FOREIGN EQUITIES G29183103 18 174 SH   SOLE   174 0 0
HELEN OF TROY LTD FOREIGN EQUITIES G4388N106 15 76 SH   SOLE   76 0 0
JAZZ PHARMACEUTICALS PLC FOREIGN EQUITIES G50871105 5 36 SH   SOLE   36 0 0
LINDE PLC SHS FOREIGN EQUITIES G5494J103 24 100 SH   SOLE   100 0 0
MEDTRONIC PLC ORDINARY FOREIGN EQUITIES G5960L103 447 4,300 SH   SOLE   4,000 0 300
MEDTRONIC PLC ORDINARY FOREIGN EQUITIES G5960L103 73 700 SH   DFND   300 400 0
TRANE TECHNOLOGIES PLC SHS FOREIGN EQUITIES G8994E103 12 100 SH   SOLE   100 0 0
ALCON INC ORD SHS FOREIGN EQUITIES H01301128 24 426 SH   SOLE   368 0 58
ALCON INC ORD SHS FOREIGN EQUITIES H01301128 17 298 SH   DFND   200 98 0
CHUBB LTD FOREIGN EQUITIES H1467J104 12 100 SH   SOLE   100 0 0
SPOTIFY TECHNOLOGY S A SHS COMMON STOCK L8681T102 6 25 SH   SOLE   25 0 0
STRATASYS LTD COMMON STOCK M85548101 6 500 SH   SOLE   500 0 0
LYONDELLBASELL INDUSTRIES N.V. CL A FOREIGN EQUITIES N53745100 4 63 SH   SOLE   63 0 0
MYLAN NV FOREIGN EQUITIES N59465109 6 400 SH   SOLE   400 0 0
MAXEON SOLAR TECHNOLOGIES LTSHS COMMON STOCK Y58473102 0 3 SH   DFND   3 0 0
AT&T INC COM COMMON STOCK 00206R102 1,510 52,996 SH   SOLE   50,396 2,100 500
AT&T INC COM COMMON STOCK 00206R102 735 25,786 SH   DFND   23,886 1,900 0
ABBOTT LABS COM COMMON STOCK 002824100 1,536 14,115 SH   SOLE   12,615 1,200 300
ABBOTT LABS COM COMMON STOCK 002824100 827 7,600 SH   DFND   7,500 100 0
ABBVIE, INC COMMON STOCK 00287Y109 1,632 18,629 SH   SOLE   17,434 895 300
ABBVIE, INC COMMON STOCK 00287Y109 899 10,268 SH   DFND   9,968 300 0
AGILENT TECHNOLOGIES INC COM COMMON STOCK 00846U101 10 100 SH   SOLE   100 0 0
AGILENT TECHNOLOGIES INC COM COMMON STOCK 00846U101 20 200 SH   DFND   0 200 0
AIR PRODUCT AND CHEMICALS INC COMMON STOCK 009158106 1,643 5,517 SH   SOLE   4,947 570 0
AIR PRODUCT AND CHEMICALS INC COMMON STOCK 009158106 831 2,790 SH   DFND   2,590 200 0
ALLIANCEBERNSTEIN HLDG L P UNIT LTD PARTNERSHIP COMMON STOCK 01881G106 11 400 SH   SOLE   400 0 0
ALLSTATE CORP COM COMMON STOCK 020002101 9 100 SH   SOLE   100 0 0
ALNYLAM PHARMACEUTICALS INC COM COMMON STOCK 02043Q107 7 50 SH   SOLE   50 0 0
ALPHABET INC CAP STK CL C COMMON STOCK 02079K107 1,095 745 SH   SOLE   665 80 0
ALPHABET INC CAP STK CL C COMMON STOCK 02079K107 970 660 SH   DFND   640 20 0
ALPHABET INC CAP STK CL A COMMON STOCK 02079K305 827 564 SH   SOLE   564 0 0
ALPHABET INC CAP STK CL A COMMON STOCK 02079K305 103 70 SH   DFND   60 10 0
ALTRIA GROUP INC COMMON STOCK 02209S103 179 4,622 SH   SOLE   4,622 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 141 3,650 SH   DFND   1,700 1,950 0
AMAZON COM INC COM COMMON STOCK 023135106 2,909 924 SH   SOLE   886 38 0
AMAZON COM INC COM COMMON STOCK 023135106 2,437 774 SH   DFND   769 5 0
AMERICAN ELEC PWR INC COM COMMON STOCK 025537101 29 355 SH   SOLE   355 0 0
AMERICAN ELEC PWR INC COM COMMON STOCK 025537101 228 2,785 SH   DFND   2,785 0 0
AMERICAN EQUITY INVT LIFE HLDG COMMON STOCK 025676206 2 111 SH   SOLE   111 0 0
AMERICAN EXPRESS CO COM COMMON STOCK 025816109 1,495 14,914 SH   SOLE   13,714 1,200 0
AMERICAN EXPRESS CO COM COMMON STOCK 025816109 228 2,275 SH   DFND   1,575 700 0
AMERICAN INTL GROUP WARRANTSEXP 1/19/2021 WARRANTS & RIGHTS 026874156 0 8 SH   SOLE   8 0 0
AMERICAN INTL GROUP INC COM COMMON STOCK 026874784 0 8 SH   SOLE   8 0 0
AMERICAN WATER WORKS COMMON STOCK 030420103 1,362 9,400 SH   SOLE   8,200 1,200 0
AMERICAN WATER WORKS COMMON STOCK 030420103 188 1,300 SH   DFND   1,100 200 0
AMERIPRISE FINL INC COM COMMON STOCK 03076C106 153 990 SH   SOLE   990 0 0
AMGEN INC COM COMMON STOCK 031162100 805 3,169 SH   SOLE   2,869 300 0
AMGEN INC COM COMMON STOCK 031162100 457 1,800 SH   DFND   1,800 0 0
ANALOG DEVICES INC COMMON STOCK 032654105 1,074 9,197 SH   SOLE   8,197 1,000 0
ANALOG DEVICES INC COMMON STOCK 032654105 91 777 SH   DFND   638 139 0
ANNALY CAPITAL MANAGEMENT INCOM COMMON STOCK 035710409 10 1,400 SH   SOLE   1,400 0 0
APPLE COMPUTER INC COM COMMON STOCK 037833100 7,247 62,579 SH   SOLE   60,299 2,280 0
APPLE COMPUTER INC COM COMMON STOCK 037833100 2,027 17,504 SH   DFND   15,684 1,820 0
APPLIED MATLS INC COM COMMON STOCK 038222105 59 1,000 SH   SOLE   1,000 0 0
ARES CAP CORP COM MUTUAL FUNDS-ETF EQUITIES 04010L103 10 682 SH   SOLE   682 0 0
ASTRAZENECA PLC SPONSORED ADR FOREIGN EQUITIES 046353108 8 150 SH   SOLE   150 0 0
AUTOMATIC DATA PROCESSING INCOM COMMON STOCK 053015103 893 6,405 SH   SOLE   6,305 100 0
AUTOMATIC DATA PROCESSING INCOM COMMON STOCK 053015103 80 570 SH   DFND   200 370 0
AUTOZONE INC COM COMMON STOCK 053332102 369 313 SH   SOLE   313 0 0
AUTOZONE INC COM COMMON STOCK 053332102 59 50 SH   DFND   50 0 0
BP PLC SPONSORED ADR FOREIGN EQUITIES 055622104 106 6,065 SH   SOLE   6,065 0 0
BP PLC SPONSORED ADR FOREIGN EQUITIES 055622104 51 2,900 SH   DFND   2,700 200 0
BANKAMERICA CORP NEW COMMON STOCK 060505104 261 10,850 SH   SOLE   10,850 0 0
BANKAMERICA CORP NEW COMMON STOCK 060505104 14 600 SH   DFND   600 0 0
BANK NEW YORK MELLON CORP COM COMMON STOCK 064058100 141 4,100 SH   SOLE   4,100 0 0
BANK NEW YORK MELLON CORP COM COMMON STOCK 064058100 72 2,100 SH   DFND   2,100 0 0
BAXTER INTL INC COM COMMON STOCK 071813109 829 10,305 SH   SOLE   8,750 1,555 0
BAXTER INTL INC COM COMMON STOCK 071813109 197 2,450 SH   DFND   2,150 300 0
BERKSHIRE HATHAWAY B NEW COMMON STOCK 084670702 1,500 7,045 SH   SOLE   6,545 500 0
BERKSHIRE HATHAWAY B NEW COMMON STOCK 084670702 383 1,800 SH   DFND   1,800 0 0
BIOGEN INC COM COMMON STOCK 09062X103 3 10 SH   SOLE   10 0 0
BLACKROCK INC COM COMMON STOCK 09247X101 394 700 SH   DFND   700 0 0
BOEING CO COM COMMON STOCK 097023105 1,271 7,690 SH   SOLE   7,665 25 0
BOEING CO COM COMMON STOCK 097023105 145 875 SH   DFND   875 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 2,056 34,095 SH   SOLE   32,495 1,200 400
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 708 11,748 SH   DFND   10,485 1,263 0
BRISTOL-MYERS SQUIBB CO RIGHT 99/99/9999 WARRANTS & RIGHTS 110122157 0 80 SH   SOLE   80 0 0
BROADCOM INC NPV COMMON STOCK 11135F101 1,071 2,941 SH   SOLE   2,541 400 0
BROADCOM INC NPV COMMON STOCK 11135F101 33 90 SH   DFND   50 40 0
CDK GLOBAL, INC. COMMON STOCK 12508E101 4 91 SH   SOLE   91 0 0
CIGNA CORP NEW COM COMMON STOCK 125523100 17 100 SH   SOLE   100 0 0
CSX CORP COM COMMON STOCK 126408103 132 1,700 SH   SOLE   1,700 0 0
CVS/CAREMARK CORP COM COMMON STOCK 126650100 181 3,100 SH   SOLE   3,100 0 0
CVS/CAREMARK CORP COM COMMON STOCK 126650100 12 200 SH   DFND   0 200 0
CARRIER GLOBAL CORPORATION COM COMMON STOCK 14448C104 35 1,130 SH   SOLE   1,130 0 0
CARRIER GLOBAL CORPORATION COM COMMON STOCK 14448C104 284 9,300 SH   DFND   9,300 0 0
CATERPILLAR INC DEL COM COMMON STOCK 149123101 89 600 SH   SOLE   600 0 0
CATERPILLAR INC DEL COM COMMON STOCK 149123101 11 75 SH   DFND   0 75 0
CHARTER COMMUNICATIONS INC NCL A COMMON STOCK 16119P108 4 6 SH   SOLE   6 0 0
CHEMOURS CO COM COMMON STOCK 163851108 2 75 SH   SOLE   75 0 0
CHEMOURS CO COM COMMON STOCK 163851108 1 60 SH   DFND   60 0 0
CHENIERE ENERGY INC COM NEW COMMON STOCK 16411R208 5 100 SH   SOLE   100 0 0
CHEVRONTEXACO CORP COM COMMON STOCK 166764100 987 13,711 SH   SOLE   12,911 800 0
CHEVRONTEXACO CORP COM COMMON STOCK 166764100 549 7,630 SH   DFND   7,330 300 0
CHIMERA INVT CORP COM NEW COMMON STOCK 16934Q208 4 500 SH   SOLE   500 0 0
CISCO SYS INC COM COMMON STOCK 17275R102 1,402 35,595 SH   SOLE   33,145 2,300 150
CISCO SYS INC COM COMMON STOCK 17275R102 179 4,555 SH   DFND   2,900 1,655 0
CITIGROUP INC NEW COMMON STOCK 172967424 43 986 SH   SOLE   986 0 0
CLOROX COMPANY COMMON STOCK 189054109 26 125 SH   SOLE   125 0 0
COCA COLA CO COM COMMON STOCK 191216100 1,789 36,254 SH   SOLE   33,954 1,500 800
COCA COLA CO COM COMMON STOCK 191216100 196 3,977 SH   DFND   2,732 1,245 0
COLGATE PALMOLIVE CO COM COMMON STOCK 194162103 382 4,945 SH   SOLE   4,945 0 0
COLGATE PALMOLIVE CO COM COMMON STOCK 194162103 309 4,000 SH   DFND   4,000 0 0
COMCAST CORP COMMON STOCK 20030N101 425 9,194 SH   SOLE   8,074 1,120 0
COMCAST CORP COMMON STOCK 20030N101 69 1,500 SH   DFND   1,500 0 0
COMMUNITY BANK SYSTEM INC COMMON STOCK 203607106 250 4,600 SH   SOLE   4,600 0 0
CONDUENT INC COM COMMON STOCK 206787103 0 75 SH   SOLE   75 0 0
CONOCOPHILLIPS COM COMMON STOCK 20825C104 106 3,218 SH   SOLE   3,218 0 0
CONOCOPHILLIPS COM COMMON STOCK 20825C104 138 4,200 SH   DFND   4,200 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 243 3,130 SH   SOLE   3,130 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 78 1,000 SH   DFND   0 0 1,000
CORNING INC COM COMMON STOCK 219350105 105 3,233 SH   SOLE   3,233 0 0
CORTEVA INC COM COMMON STOCK 22052L104 124 4,312 SH   SOLE   4,109 0 203
CORTEVA INC COM COMMON STOCK 22052L104 155 5,379 SH   DFND   3,435 1,944 0
COSTCO WHSL CORP NEW COMMON STOCK 22160K105 71 200 SH   SOLE   200 0 0
DANAHER CORP COMMON STOCK 235851102 11 50 SH   SOLE   50 0 0
DEERE & CO COM COMMON STOCK 244199105 230 1,040 SH   SOLE   840 0 200
DEERE & CO COM COMMON STOCK 244199105 344 1,550 SH   DFND   1,400 150 0
DELL TECHNOLOGIES INC CL C COMMON STOCK 24703L202 2 35 SH   SOLE   35 0 0
DISNEY WALT CO COM DISNEY COMMON STOCK 254687106 1,119 9,016 SH   SOLE   8,416 600 0
DISNEY WALT CO COM DISNEY COMMON STOCK 254687106 281 2,265 SH   DFND   1,840 100 325
DISCOVER FINL SVCS COMMON STOCK 254709108 8 136 SH   SOLE   136 0 0
DOLLAR TREE INC COM COMMON STOCK 256746108 3 30 SH   SOLE   30 0 0
DOMINION RES INC VA NEW COM COMMON STOCK 25746U109 1,520 19,256 SH   SOLE   17,556 1,100 600
DOMINION RES INC VA NEW COM COMMON STOCK 25746U109 821 10,400 SH   DFND   9,400 1,000 0
DOW INC COM COMMON STOCK 260557103 202 4,300 SH   SOLE   4,097 0 203
DOW INC COM COMMON STOCK 260557103 253 5,380 SH   DFND   3,436 1,944 0
DUKE ENERGY HLDG CORP COMMON STOCK 26441C204 757 8,552 SH   SOLE   8,552 0 0
DUKE ENERGY HLDG CORP COMMON STOCK 26441C204 401 4,532 SH   DFND   4,466 66 0
DUPONT DE NEMOURS INC COM COMMON STOCK 26614N102 310 5,582 SH   SOLE   5,379 0 203
DUPONT DE NEMOURS INC COM COMMON STOCK 26614N102 287 5,179 SH   DFND   3,235 1,944 0
EATON VANCE CORP- NON VTG COMMON STOCK 278265103 2 64 SH   SOLE   64 0 0
EATON VANCE INSURED MUNI BD FD MUTUAL FUNDS-ETF NON-TAX 27827X101 22 1,666 SH   SOLE   1,666 0 0
EBAY INC COM COMMON STOCK 278642103 23 434 SH   SOLE   434 0 0
ECOLAB INC COMMON STOCK 278865100 810 4,055 SH   SOLE   3,930 125 0
ECOLAB INC COMMON STOCK 278865100 96 480 SH   DFND   480 0 0
ELECTRONIC ARTS INC COMMON STOCK 285512109 4 31 SH   SOLE   31 0 0
EMERSON ELEC CO COM COMMON STOCK 291011104 1,316 20,070 SH   SOLE   18,470 1,200 400
EMERSON ELEC CO COM COMMON STOCK 291011104 341 5,200 SH   DFND   3,700 1,500 0
ENBRIDGE INC FOREIGN EQUITIES 29250N105 1,008 34,526 SH   SOLE   31,838 2,688 0
ENBRIDGE INC FOREIGN EQUITIES 29250N105 367 12,566 SH   DFND   10,487 2,079 0
ENERGY TRANSFER EQUITY L P COM UNIT LTD PRTNERS COMMON STOCK 29273V100 199 36,792 SH   SOLE   36,792 0 0
ENTEGRIS INC COMMON STOCK 29362U104 15 200 SH   SOLE   200 0 0
EQIUTRANS MIDSTREAM CO COMMON STOCK 294600101 1 100 SH   SOLE   100 0 0
ESSA BANCORP INC COM COMMON STOCK 29667D104 18 1,462 SH   SOLE   1,462 0 0
ESSENTIAL UTILS INC COM COMMON STOCK 29670G102 40 1,000 SH   SOLE   0 0 1,000
ESSENTIAL UTILS INC COM COMMON STOCK 29670G102 10 250 SH   DFND   250 0 0
EXELON CORP COM COMMON STOCK 30161N101 343 9,603 SH   SOLE   9,103 0 500
EXELON CORP COM COMMON STOCK 30161N101 29 800 SH   DFND   800 0 0
EXPEDITORS INTL WASH INC COMMON STOCK 302130109 1,065 11,760 SH   SOLE   10,060 1,200 500
EXPEDITORS INTL WASH INC COMMON STOCK 302130109 222 2,450 SH   DFND   950 1,500 0
EXXON MOBIL CORP COM COMMON STOCK 30231G102 1,204 35,075 SH   SOLE   33,875 1,100 100
EXXON MOBIL CORP COM COMMON STOCK 30231G102 746 21,750 SH   DFND   15,950 4,800 1,000
F M C CORP COM NEW COMMON STOCK 302491303 614 5,800 SH   SOLE   5,800 0 0
F N B CORP PA COMMON STOCK 302520101 393 57,937 SH   SOLE   57,937 0 0
FACEBOOK INC COMMON STOCK 30303M102 55 210 SH   SOLE   210 0 0
FASTENAL CO COM COMMON STOCK 311900104 2,589 57,415 SH   SOLE   51,730 3,685 2,000
FASTENAL CO COM COMMON STOCK 311900104 739 16,400 SH   DFND   12,400 4,000 0
FEDEX CORPORATION COMMON STOCK 31428X106 943 3,750 SH   SOLE   3,750 0 0
FEDEX CORPORATION COMMON STOCK 31428X106 201 800 SH   DFND   800 0 0
FIDELITY D & D BANCORP INC COM COMMON STOCK 31609R100 7 146 SH   SOLE   146 0 0
FIDELITY D & D BANCORP INC COM COMMON STOCK 31609R100 202 4,156 SH   DFND   4,156 0 0
FIFTH THIRD BANCORP COMMON STOCK 316773100 4 200 SH   SOLE   200 0 0
FIRST SOLAR INC COMMON STOCK 336433107 13 200 SH   DFND   200 0 0
FORD MTR CO DEL COM PAR $0.01 COMMON STOCK 345370860 3 500 SH   SOLE   500 0 0
FORD MTR CO DEL COM PAR $0.01 COMMON STOCK 345370860 1 107 SH   DFND   107 0 0
FORTIVE CORP COM COMMON STOCK 34959J108 3 37 SH   SOLE   37 0 0
FREEPORTMCMORAN COPP CL B COMMON STOCK 35671D857 4 268 SH   SOLE   268 0 0
GATX CORP COMMON STOCK 361448103 5 72 SH   SOLE   72 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 149 1,075 SH   SOLE   1,075 0 0
GENERAL ELEC CO COM COMMON STOCK 369604103 333 53,380 SH   SOLE   53,380 0 0
GENERAL ELEC CO COM COMMON STOCK 369604103 103 16,471 SH   DFND   10,400 6,071 0
GENERAL MLS INC COM COMMON STOCK 370334104 1,184 19,202 SH   SOLE   17,802 1,400 0
GENERAL MLS INC COM COMMON STOCK 370334104 429 6,955 SH   DFND   6,255 700 0
GILEAD SCIENCES INC COMMON STOCK 375558103 89 1,403 SH   SOLE   1,403 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 3 50 SH   DFND   50 0 0
GLAXOSMITHKLINE PLC SPONSORED ADR FOREIGN EQUITIES 37733W105 355 9,421 SH   SOLE   9,421 0 0
GLAXOSMITHKLINE PLC SPONSORED ADR FOREIGN EQUITIES 37733W105 98 2,600 SH   DFND   2,300 300 0
GLOBAL PAMENTS INC COMMON STOCK 37940X102 18 100 SH   SOLE   100 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 15 75 SH   SOLE   75 0 0
HARLEY DAVIDSON INC COM COMMON STOCK 412822108 5 200 SH   SOLE   200 0 0
HASBRO INC COM COMMON STOCK 418056107 7 85 SH   SOLE   85 0 0
HEALTHPEAK PROPERTIES INC COM COMMON STOCK 42250P103 84 3,100 SH   SOLE   3,100 0 0
HEALTHPEAK PROPERTIES INC COM COMMON STOCK 42250P103 81 3,000 SH   DFND   3,000 0 0
HERSHEY FOODS CORP COM COMMON STOCK 427866108 90 629 SH   SOLE   629 0 0
HEXCEL CORP- NEW COMMON STOCK 428291108 3 100 SH   SOLE   100 0 0
HOME DEPOT INC COM COMMON STOCK 437076102 905 3,260 SH   SOLE   3,005 255 0
HOME DEPOT INC COM COMMON STOCK 437076102 36 130 SH   DFND   130 0 0
HONEYWELL INTL INC COM COMMON STOCK 438516106 552 3,356 SH   SOLE   3,356 0 0
HONEYWELL INTL INC COM COMMON STOCK 438516106 33 200 SH   DFND   100 100 0
ITT INC COM COMMON STOCK 45073V108 6 100 SH   DFND   100 0 0
INGERSOLL RAND INC COM COMMON STOCK 45687V106 3 88 SH   SOLE   88 0 0
INTEL CORP COM COMMON STOCK 458140100 1,182 22,841 SH   SOLE   22,241 200 400
INTEL CORP COM COMMON STOCK 458140100 406 7,850 SH   DFND   7,150 700 0
INTERNATIONAL BUSINESS MACHSCOM COMMON STOCK 459200101 898 7,381 SH   SOLE   7,381 0 0
INTERNATIONAL BUSINESS MACHSCOM COMMON STOCK 459200101 563 4,630 SH   DFND   3,700 930 0
INTL PAPER CO COM COMMON STOCK 460146103 8 200 SH   DFND   0 200 0
INVESCO EX PFD ETF MUTUAL FUNDS-ETF EQUITIES 46138E511 59 4,000 SH   SOLE   4,000 0 0
IQIYI INC SPONSORED ADS FOREIGN EQUITIES 46267X108 1 50 SH   SOLE   50 0 0
ISHARES MSCI PAC JP ETF MUTUAL FUNDS-EQUITIES 464286665 2 50 SH   SOLE   50 0 0
ISHARES S&P 100 MUTUAL FUNDS-EQUITIES 464287101 8 50 SH   SOLE   50 0 0
I SHARES TR DJ SLECT DIV INDEX MUTUAL FUNDS-EQUITIES 464287168 4 50 SH   SOLE   50 0 0
ISHARES BARCLAYS TIPS BND FD MUTUAL FUNDS-FIXED INCOME 464287176 17 134 SH   SOLE   134 0 0
ISHARES S&P 500 INDEX MUTUAL FUNDS-ETF EQUITIES 464287200 370 1,100 SH   SOLE   1,100 0 0
ISHARES TR S&P NA NATURAL RESOURCES MUTUAL FUNDS-EQUITIES 464287374 10 500 SH   DFND   500 0 0
ISHARES TR MSCI EAFE INDEX MUTUAL FUNDS-ETF EQUITIES 464287465 210 3,300 SH   SOLE   3,300 0 0
ISHARES TR MSCI EAFE INDEX MUTUAL FUNDS-ETF EQUITIES 464287465 95 1,500 SH   DFND   1,500 0 0
ISHARES RUSSELL MID-CAP ETF MUTUAL FUNDS-EQUITIES 464287499 17 300 SH   SOLE   300 0 0
ISHARES S&P 600 INDEX MUTUAL FUNDS-ETF EQUITIES 464287804 18 250 SH   SOLE   250 0 0
ISHARES TR US TREAS BD ETF MUTUAL FUNDS-FIXED INCOME 46429B267 17 619 SH   SOLE   619 0 0
J P MORGAN CHASE & CO COM COMMON STOCK 46625H100 1,597 16,585 SH   SOLE   15,585 1,000 0
J P MORGAN CHASE & CO COM COMMON STOCK 46625H100 168 1,740 SH   DFND   1,500 240 0
JOHNSON & JOHNSON COM COMMON STOCK 478160104 2,858 19,198 SH   SOLE   18,498 700 0
JOHNSON & JOHNSON COM COMMON STOCK 478160104 1,139 7,650 SH   DFND   6,550 1,100 0
KELLOGG CO COM COMMON STOCK 487836108 694 10,740 SH   SOLE   9,140 1,100 500
KELLOGG CO COM COMMON STOCK 487836108 239 3,700 SH   DFND   3,600 100 0
KEYSIGHT TECHNOLOGIES INC. COMMON STOCK 49338L103 10 100 SH   DFND   0 100 0
KIMBERLY CLARK CORP COM COMMON STOCK 494368103 266 1,800 SH   SOLE   1,800 0 0
KIMBERLY CLARK CORP COM COMMON STOCK 494368103 522 3,532 SH   DFND   3,532 0 0
KINDER MORGAN INC (DE) CLASS P COMMON STOCK 49456B101 4 293 SH   SOLE   293 0 0
KRAFT HEINZ CO COM COMMON STOCK 500754106 247 8,233 SH   SOLE   7,933 0 300
KRAFT HEINZ CO COM COMMON STOCK 500754106 58 1,945 SH   DFND   1,412 533 0
L3HARRIS TECHNOLOGIES INC COM COMMON STOCK 502431109 3 20 SH   DFND   20 0 0
LEGGETT & PLATT INC COMMON STOCK 524660107 4 100 SH   SOLE   100 0 0
LILLY ELI & CO COM COMMON STOCK 532457108 1,124 7,596 SH   SOLE   7,196 0 400
LILLY ELI & CO COM COMMON STOCK 532457108 1,365 9,225 SH   DFND   7,425 1,800 0
LINCOLN NATIONAL CORP COMMON STOCK 534187109 4 117 SH   SOLE   117 0 0
LITTLEFUSE INC COMMON STOCK 537008104 7 38 SH   SOLE   38 0 0
LOCKHEED MARTIN CORP COM COMMON STOCK 539830109 940 2,453 SH   SOLE   2,453 0 0
LOCKHEED MARTIN CORP COM COMMON STOCK 539830109 57 150 SH   DFND   150 0 0
LOWES COS INC COM COMMON STOCK 548661107 303 1,825 SH   SOLE   1,425 0 400
LOWES COS INC COM COMMON STOCK 548661107 149 900 SH   DFND   500 400 0
LULULEMON ATHLETICA COMMON STOCK 550021109 66 200 SH   SOLE   200 0 0
M&T BANK CORP COMMON STOCK 55261F104 5 50 SH   SOLE   50 0 0
MANNKIND CORPORATION COMMON STOCK 56400P706 0 240 SH   DFND   240 0 0
MANULIFE FINANCIAL CORP FOREIGN EQUITIES 56501R106 26 1,893 SH   SOLE   1,893 0 0
MARATHON OIL CO COMMON STOCK 565849106 13 3,111 SH   SOLE   3,111 0 0
MARATHON PETROLEUM CORP COMMON STOCK 56585A102 59 2,000 SH   SOLE   2,000 0 0
MARRIOTT INTL INC NEW CL A COMMON STOCK 571903202 5 50 SH   DFND   50 0 0
MASTERCARD INCORPORATED COMMON STOCK 57636Q104 4,171 12,333 SH   SOLE   11,433 900 0
MASTERCARD INCORPORATED COMMON STOCK 57636Q104 1,023 3,025 SH   DFND   2,925 100 0
MATTEL INC COM COMMON STOCK 577081102 47 3,983 SH   SOLE   3,983 0 0
MCDONALDS CORP COM COMMON STOCK 580135101 4,178 19,033 SH   SOLE   18,433 600 0
MCDONALDS CORP COM COMMON STOCK 580135101 702 3,200 SH   DFND   3,100 100 0
MCKESSON CORP COMMON STOCK 58155Q103 15 100 SH   SOLE   100 0 0
MEDICAL PROPERTIES TR INC COMMON STOCK 58463J304 3 188 SH   SOLE   188 0 0
MERCK & CO INC NEW COMMON STOCK 58933Y105 1,570 18,925 SH   SOLE   18,160 265 500
MERCK & CO INC NEW COMMON STOCK 58933Y105 557 6,715 SH   DFND   5,735 980 0
METLIFE INC COMMON STOCK 59156R108 7 200 SH   DFND   0 200 0
MICROSOFT CORP COMMON STOCK 594918104 6,402 30,440 SH   SOLE   29,040 1,400 0
MICROSOFT CORP COMMON STOCK 594918104 1,552 7,380 SH   DFND   4,750 2,630 0
MICROCHIP TECHNOLOGY INC COM COMMON STOCK 595017104 2,171 21,125 SH   SOLE   19,225 1,500 400
MICROCHIP TECHNOLOGY INC COM COMMON STOCK 595017104 510 4,960 SH   DFND   3,750 1,210 0
MONDELEZ INTL INC COMMON STOCK 609207105 619 10,773 SH   SOLE   10,273 0 500
MONDELEZ INTL INC COMMON STOCK 609207105 585 10,178 SH   DFND   8,742 1,436 0
MR COOPER GROUP INC COM COMMON STOCK 62482R107 0 4 SH   SOLE   4 0 0
NBT BANCORP INC COM COMMON STOCK 628778102 3,218 120,025 SH   DFND   0 120,025 0
NATIONAL OILWELL VARCO INC COM COMMON STOCK 637071101 18 2,000 SH   SOLE   2,000 0 0
NATIONAL OILWELL VARCO INC COM COMMON STOCK 637071101 4 400 SH   DFND   400 0 0
NETFLIX INC COM COMMON STOCK 64110L106 150 300 SH   DFND   300 0 0
NEW YORK TIMES CO CL A COMMON STOCK 650111107 26 600 SH   SOLE   600 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 1,214 4,375 SH   SOLE   4,375 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 1,272 4,583 SH   DFND   4,033 550 0
NIKE INC CL B COMMON STOCK 654106103 903 7,189 SH   SOLE   6,744 445 0
NIKE INC CL B COMMON STOCK 654106103 160 1,275 SH   DFND   1,275 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 982 4,590 SH   SOLE   4,590 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 70 325 SH   DFND   225 100 0
NORTHROP GRUMMAN CORP COM COMMON STOCK 666807102 63 200 SH   SOLE   200 0 0
NORWOOD FINANCIAL CORPORATION COMMON STOCK 669549107 292 12,006 SH   SOLE   12,006 0 0
NOVARTIS AG FOREIGN EQUITIES 66987V109 151 1,734 SH   SOLE   1,442 0 292
NOVARTIS AG FOREIGN EQUITIES 66987V109 147 1,692 SH   DFND   1,200 492 0
NOVO-NORDISK A S ADR FOREIGN EQUITIES 670100205 7 100 SH   DFND   100 0 0
NOW INC COMMON STOCK 67011P100 0 100 SH   DFND   100 0 0
NUCOR CORP COMMON STOCK 670346105 38 850 SH   SOLE   850 0 0
NUVEEN AMT-FREE MUNI INC FNDCOM MUTUAL FUNDS-FIXED INCOME 670657105 49 3,389 SH   SOLE   3,389 0 0
NUVEEN REAL ESTATE INCOME FD MUTUAL FUNDS-ETF EQUITIES 67071B108 13 1,700 SH   SOLE   1,700 0 0
NUVEEN PA INVT QUALITY MUN FCOM MUTUAL FUNDS-FIXED INCOME 670972108 45 3,352 SH   SOLE   3,352 0 0
OREILLY AUTOMOTIVE INC COM COMMON STOCK 67103H107 46 100 SH   DFND   100 0 0
OCCIDENTAL PETE CORP DEL COM COMMON STOCK 674599105 33 3,293 SH   SOLE   3,293 0 0
OCCIDENTAL PETE CORP DEL COM COMMON STOCK 674599105 4 400 SH   DFND   0 400 0
OCCIDENTAL PETE CORP W EXP 08/03/2027 WARRANTS & RIGHTS 674599162 1 407 SH   SOLE   407 0 0
OCCIDENTAL PETE CORP W EXP 08/03/2027 WARRANTS & RIGHTS 674599162 0 50 SH   DFND   0 50 0
ORACLE CORP COM COMMON STOCK 68389X105 1,244 20,833 SH   SOLE   18,833 2,000 0
ORACLE CORP COM COMMON STOCK 68389X105 42 700 SH   DFND   400 300 0
ORASURE TECHNOLOGIES INC COM COMMON STOCK 68554V108 24 2,000 SH   SOLE   2,000 0 0
OTIS WORLDWIDE CORP COM COMMON STOCK 68902V107 35 564 SH   SOLE   564 0 0
OTIS WORLDWIDE CORP COM COMMON STOCK 68902V107 290 4,650 SH   DFND   4,650 0 0
PNC FINL SVCS GROUP INC COM COMMON STOCK 693475105 764 6,947 SH   SOLE   6,647 0 300
PNC FINL SVCS GROUP INC COM COMMON STOCK 693475105 357 3,250 SH   DFND   0 3,250 0
PPG INDS INC COM COMMON STOCK 693506107 168 1,380 SH   SOLE   1,380 0 0
PPG INDS INC COM COMMON STOCK 693506107 64 525 SH   DFND   125 400 0
PPL CORP, COM COMMON STOCK 69351T106 1,285 47,237 SH   SOLE   46,537 0 700
PPL CORP, COM COMMON STOCK 69351T106 553 20,327 SH   DFND   19,127 200 1,000
PAYCHEX INC COM COMMON STOCK 704326107 18 229 SH   SOLE   229 0 0
PAYPAL HLDGS INC COM COMMON STOCK 70450Y103 1,305 6,624 SH   SOLE   6,624 0 0
PAYPAL HLDGS INC COM COMMON STOCK 70450Y103 246 1,250 SH   DFND   1,250 0 0
PELOTON INTERACTIVE INC CL A COM COMMON STOCK 70614W100 10 100 SH   SOLE   100 0 0
PEOPLES FINL SVCS CORP COMMON STOCK 711040105 11,152 320,935 SH   SOLE   209,355 100 111,480
PEOPLES FINL SVCS CORP COMMON STOCK 711040105 109 3,136 SH   DFND   0 3,136 0
PEPSICO INC COM COMMON STOCK 713448108 4,541 32,765 SH   SOLE   31,565 900 300
PEPSICO INC COM COMMON STOCK 713448108 241 1,740 SH   DFND   850 890 0
PETMED EXPRESS INC COM COMMON STOCK 716382106 32 1,000 SH   SOLE   1,000 0 0
PFIZER INC COM COMMON STOCK 717081103 2,801 76,319 SH   SOLE   74,119 1,500 700
PFIZER INC COM COMMON STOCK 717081103 922 25,124 SH   DFND   18,800 5,824 500
PHILIP MORRIS INTL INC COMMON STOCK 718172109 496 6,617 SH   SOLE   6,617 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109 220 2,940 SH   DFND   1,240 1,700 0
PHILLIPS 66 COMMON STOCK 718546104 246 4,745 SH   SOLE   4,745 0 0
PHILLIPS 66 COMMON STOCK 718546104 123 2,365 SH   DFND   2,365 0 0
PROCTER & GAMBLE CO COM COMMON STOCK 742718109 4,254 30,608 SH   SOLE   28,808 1,300 500
PROCTER & GAMBLE CO COM COMMON STOCK 742718109 2,417 17,393 SH   DFND   11,133 5,860 400
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102 7 112 SH   SOLE   112 0 0
PUBLIC SVC ENTERPRISE GROUP COM COMMON STOCK 744573106 14 264 SH   SOLE   264 0 0
PUBLIC SVC ENTERPRISE GROUP COM COMMON STOCK 744573106 22 400 SH   DFND   400 0 0
QUALCOMM INC COM COMMON STOCK 747525103 887 7,535 SH   SOLE   7,535 0 0
QUALCOMM INC COM COMMON STOCK 747525103 288 2,450 SH   DFND   2,450 0 0
RAYMOND JAMES FINANCIAL INC COMMON STOCK 754730109 6 80 SH   SOLE   80 0 0
RAYTHEON TECHNOLOGIES CORP COM COMMON STOCK 75513E101 186 3,238 SH   SOLE   3,238 0 0
RAYTHEON TECHNOLOGIES CORP COM COMMON STOCK 75513E101 535 9,300 SH   DFND   9,300 0 0
REGIONS FINANCIAL CORP NEW COMMON STOCK 7591EP100 8 684 SH   SOLE   684 0 0
RESIDEO TECHNOLOGIES INC COM COMMON STOCK 76118Y104 0 16 SH   DFND   0 16 0
RESTAURANT BRANDS INTL INC COM FOREIGN EQUITIES 76131D103 6 106 SH   SOLE   106 0 0
ROCKWELL AUTOMATION INC COMMON STOCK 773903109 11 50 SH   SOLE   50 0 0
ROYAL DUTCH SHELL PLC RDS-B FOREIGN EQUITIES 780259107 7 300 SH   SOLE   300 0 0
ROYAL DUTCH SHELL PLC SPONS ADR A FOREIGN EQUITIES 780259206 82 3,250 SH   DFND   400 2,850 0
SBA COMMUNICATIONS CORP NEW NPV COMMON STOCK 78410G104 12 39 SH   SOLE   39 0 0
GOLD TRUST MUTUAL FUNDS-ETF EQUITIES 78463V107 89 500 SH   SOLE   500 0 0
SPDR INDEX SHS FDS S&P INTL ETF MUTUAL FUNDS-ETF EQUITIES 78463X772 27 800 SH   SOLE   800 0 0
SCHLUMBERGER LTD COM COMMON STOCK 806857108 144 9,262 SH   SOLE   8,862 0 400
SCHLUMBERGER LTD COM COMMON STOCK 806857108 28 1,800 SH   DFND   1,600 200 0
SCHWAB STRATEGIC TR US BRD MKT ETF MUTUAL FUNDS-ETF EQUITIES 808524102 92 1,150 SH   SOLE   1,150 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE MUTUAL FUNDS-ETF EQUITIES 81369Y209 5 50 SH   SOLE   50 0 0
THE FINANCIAL SEL SECT SPDR FD MUTUAL FUNDS-ETF EQUITIES 81369Y605 1 50 SH   SOLE   50 0 0
TECHNOLOGY SELECT SECT SPDR EFT MUTUAL FUNDS-EQUITIES 81369Y803 64 550 SH   SOLE   550 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS ETF EQUITIES 81369Y886 31 515 SH   SOLE   205 310 0
SNAP ON INC COMMON STOCK 833034101 7 47 SH   SOLE   47 0 0
SNAP INC CL A COMMON STOCK 83304A106 5 200 SH   SOLE   200 0 0
SOUTH JERSEY INDUSTRIES INC COMMON STOCK 838518108 39 2,000 SH   SOLE   2,000 0 0
SOUTHERN CO COM COMMON STOCK 842587107 982 18,113 SH   SOLE   17,113 300 700
SOUTHERN CO COM COMMON STOCK 842587107 504 9,300 SH   DFND   9,100 200 0
SOUTHWESTERN ENERGY COMMON STOCK 845467109 5 2,000 SH   SOLE   2,000 0 0
STARBUCKS CORP COM COMMON STOCK 855244109 1,508 17,555 SH   SOLE   16,155 1,400 0
STARBUCKS CORP COM COMMON STOCK 855244109 301 3,500 SH   DFND   3,500 0 0
STATE STR CORP COM COMMON STOCK 857477103 191 3,218 SH   SOLE   3,218 0 0
STATE STR CORP COM COMMON STOCK 857477103 24 400 SH   DFND   400 0 0
SUNCOR ENERGY INC NEW COM FOREIGN EQUITIES 867224107 3 238 SH   SOLE   238 0 0
SUNCOR ENERGY INC NEW COM FOREIGN EQUITIES 867224107 4 300 SH   DFND   300 0 0
SUNPOWER CORP COMMON STOCK 867652406 0 30 SH   DFND   30 0 0
SYSCO CORP COM COMMON STOCK 871829107 473 7,600 SH   SOLE   5,800 1,800 0
SYSCO CORP COM COMMON STOCK 871829107 56 900 SH   DFND   200 700 0
TJX COMPANIES COMMON STOCK 872540109 11 200 SH   SOLE   0 0 200
TAIWAN SEMICONDUCTOR ADR FOREIGN EQUITIES 874039100 6 75 SH   SOLE   75 0 0
TARGET CORP COMMON STOCK 87612E106 255 1,620 SH   SOLE   1,620 0 0
TELEDYNE TECHNOLOGIES INC COMMON STOCK 879360105 11 37 SH   SOLE   37 0 0
TESLA MOTORS, INC COMMON STOCK 88160R101 68 158 SH   SOLE   158 0 0
TESLA MOTORS, INC COMMON STOCK 88160R101 4 10 SH   DFND   10 0 0
TEVA PHARMACEUTICAL INDS LTDADR FOREIGN EQUITIES 881624209 2 200 SH   DFND   200 0 0
3 D SYSTEMS CORP (NEW) COMMON STOCK 88554D205 10 2,000 SH   SOLE   2,000 0 0
3M CO COMMON STOCK 88579Y101 1,912 11,936 SH   SOLE   11,836 0 100
3M CO COMMON STOCK 88579Y101 611 3,816 SH   DFND   3,466 350 0
TIMKEN CO COMMON STOCK 887389104 3 60 SH   SOLE   60 0 0
TITAN MEDICAL INC. FOREIGN EQUITIES 88830X819 0 33 SH   SOLE   33 0 0
TOOTSIE ROLL IND INC COMMON STOCK 890516107 33 1,060 SH   SOLE   1,060 0 0
TRAVELERS COMPANIES INC COM COMMON STOCK 89417E109 86 794 SH   SOLE   794 0 0
TRAVELERS COMPANIES INC COM COMMON STOCK 89417E109 11 100 SH   DFND   100 0 0
TRUIST FINL CORP COM COMMON STOCK 89832Q109 8 199 SH   SOLE   199 0 0
TWITTER INC. COMMON STOCK 90184L102 22 500 SH   SOLE   500 0 0
TWITTER INC. COMMON STOCK 90184L102 58 1,300 SH   DFND   1,300 0 0
US BANCORP DEL COMMON STOCK 902973304 835 23,288 SH   SOLE   21,488 1,800 0
US BANCORP DEL COMMON STOCK 902973304 50 1,400 SH   DFND   1,000 400 0
UNION PAC CORP COM COMMON STOCK 907818108 1,699 8,628 SH   SOLE   8,628 0 0
UNITED PARCEL SERVICE INC CL B COMMON STOCK 911312106 243 1,457 SH   SOLE   827 330 300
UNITED PARCEL SERVICE INC CL B COMMON STOCK 911312106 108 650 SH   DFND   650 0 0
UNITED STATES STL CORP NEW COM COMMON STOCK 912909108 0 62 SH   SOLE   62 0 0
VANECK VECTORS ETF TR GOLD MINERS ETF MUTUAL FUNDS-ETF EQUITIES 92189F106 78 2,000 SH   DFND   2,000 0 0
VANGUARD B SHORT TERM BOND MUTUAL FUNDS-FIXED INCOME 921937827 52 625 SH   DFND   0 625 0
VANGUARD BD INDEX FD INC TOTAL BD MARKET MUTUAL FUNDS-FIXED INCOME 921937835 55 619 SH   DFND   0 619 0
VANGUARD FTSE DEVELOPED MARKET ETF MUTUAL FUNDS-EQUITIES 921943858 10 234 SH   SOLE   234 0 0
VANGUARD INFORMATION TECH ETF MUTUAL FUNDS-ETF EQUITIES 92204A702 62 198 SH   SOLE   198 0 0
VANGUARD INTL EQUITY INDEX FALLWRLD EX US MUTUAL FUNDS-ETF EQUITIES 922042775 6 120 SH   SOLE   120 0 0
VANGUARD EMERGING MARKETS ETF MUTUAL FUNDS-ETF EQUITIES 922042858 95 2,200 SH   SOLE   2,200 0 0
VANGUARD EMERGING MARKETS ETF MUTUAL FUNDS-ETF EQUITIES 922042858 13 300 SH   DFND   300 0 0
VANGUARD RUSSELL ETF MUTUAL FUNDS-EQUITIES 92206C599 26 170 SH   SOLE   170 0 0
VECTRUS INC. COMMON STOCK 92242T101 0 11 SH   DFND   11 0 0
VANGUARD REIT ETF ETF EQUITIES 922908553 493 6,240 SH   SOLE   5,530 710 0
VANGUARD REIT ETF ETF EQUITIES 922908553 47 600 SH   DFND   500 100 0
VANGUARD MID CAP ETF MUTUAL FUNDS-ETF EQUITIES 922908629 182 1,030 SH   SOLE   900 130 0
VANGUARD MID CAP ETF MUTUAL FUNDS-ETF EQUITIES 922908629 18 100 SH   DFND   0 100 0
VANGUARD INDEX FDS EXTEND MKT ETF MUTUAL FUNDS-ETF EQUITIES 922908652 506 3,900 SH   SOLE   3,900 0 0
VANGUARD GROWTH ETF MUTUAL FUNDS-EQUITIES 922908736 23 100 SH   SOLE   100 0 0
VANGUARD VALUE ETF MUTUAL FUNDS-ETF EQUITIES 922908744 10 100 SH   SOLE   100 0 0
VANGUARD SMALL CAP ETF MUTUAL FUNDS-ETF EQUITIES 922908751 140 909 SH   SOLE   775 134 0
VANGUARD SMALL CAP ETF MUTUAL FUNDS-ETF EQUITIES 922908751 46 300 SH   DFND   200 100 0
VERIZON COMMUNICATIONS COM COMMON STOCK 92343V104 2,330 39,169 SH   SOLE   36,669 1,400 1,100
VERIZON COMMUNICATIONS COM COMMON STOCK 92343V104 1,106 18,587 SH   DFND   11,510 4,577 2,500
VISA CLASS A COMMON STOCK 92826C839 15,168 75,853 SH   SOLE   75,853 0 0
VISA CLASS A COMMON STOCK 92826C839 420 2,100 SH   DFND   2,000 100 0
VODAFONE GROUP PLC FOREIGN EQUITIES 92857W308 380 28,312 SH   SOLE   28,040 0 272
VODAFONE GROUP PLC FOREIGN EQUITIES 92857W308 208 15,500 SH   DFND   15,500 0 0
WEC ENERGY GROUP INC COM COMMON STOCK 92939U106 32 326 SH   SOLE   326 0 0
WABTEC CORP COM COMMON STOCK 929740108 1 15 SH   SOLE   15 0 0
WABTEC CORP COM COMMON STOCK 929740108 3 47 SH   DFND   23 24 0
WAL MART STORES INC COM COMMON STOCK 931142103 635 4,540 SH   SOLE   4,540 0 0
WAL MART STORES INC COM COMMON STOCK 931142103 112 800 SH   DFND   800 0 0
WALGREENS BOOTS ALLIANCE COMMON STOCK 931427108 211 5,875 SH   SOLE   5,475 0 400
WALGREENS BOOTS ALLIANCE COMMON STOCK 931427108 29 800 SH   DFND   700 100 0
WASTE MANAGEMENT INC NEW COMMON STOCK 94106L109 5 46 SH   SOLE   46 0 0
WELLS FARGO & CO NEW COM COMMON STOCK 949746101 547 23,266 SH   SOLE   22,166 1,100 0
WELLS FARGO & CO NEW COM COMMON STOCK 949746101 89 3,800 SH   DFND   3,500 300 0
WENDYS CO COM COMMON STOCK 95058W100 5 212 SH   SOLE   212 0 0
WEYERHAEUSER CO COM COMMON STOCK 962166104 115 4,015 SH   SOLE   3,282 0 733
WEYERHAEUSER CO COM COMMON STOCK 962166104 48 1,700 SH   DFND   0 1,700 0
WILLIAMS CO INC COMMON STOCK 969457100 5 258 SH   DFND   0 258 0
XCEL ENERGY INC COMMON STOCK 98389B100 235 3,400 SH   SOLE   3,400 0 0
XYLEM INC COMMON STOCK 98419M100 576 6,845 SH   SOLE   5,495 1,350 0
XYLEM INC COMMON STOCK 98419M100 126 1,500 SH   DFND   1,400 100 0
XEROX CORP USD 1.0 COM COMMON STOCK 98421M106 2 93 SH   SOLE   93 0 0
YUM BRANDS INC COMMON STOCK 988498101 7 80 SH   SOLE   80 0 0
YUM CHINA HLDGS INC COM COMMON STOCK 98850P109 4 80 SH   SOLE   80 0 0
ZIMMER HLDGS INC COM COMMON STOCK 98956P102 11 80 SH   SOLE   80 0 0
ZIMMER HLDGS INC COM COMMON STOCK 98956P102 264 1,940 SH   DFND   1,940 0 0
ZOOM VIDEO COMMUNICATIONS INCL A COMMON STOCK 98980L101 12 25 SH   SOLE   25 0 0