# EDGAR Filing Document

**Accession Number:** 0001056943
**File Stem:** 0001056943-25-000014
**Filing Date:** 2025-10
**Character Count:** 48603
**Document Hash:** e1cd0515151896f2bead988ea40699cb
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001056943-25-000014.hdr.sgml**: 20251028

**ACCESSION NUMBER**: 0001056943-25-000014

**CONFORMED SUBMISSION TYPE**: 13F-HR

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250930

**FILED AS OF DATE**: 20251028

**DATE AS OF CHANGE**: 20251028

**EFFECTIVENESS DATE**: 20251028

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** PEOPLES FINANCIAL SERVICES CORP.
- **CENTRAL INDEX KEY:** 0001056943
- **STANDARD INDUSTRIAL CLASSIFICATION:** NATIONAL COMMERCIAL BANKS [6021]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 232391852
- **STATE OF INCORPORATION:** PA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-15675
- **FILM NUMBER:** 251423203

**BUSINESS ADDRESS:**
- **STREET 1:** 30 E D PREATE DRIVE
- **CITY:** MOOSIC
- **STATE:** PA
- **ZIP:** 18507
- **BUSINESS PHONE:** 570-346-7741

**MAIL ADDRESS:**
- **STREET 1:** 30 E D PREATE DRIVE
- **CITY:** MOOSIC
- **STATE:** PA
- **ZIP:** 18507

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** PEOPLES FINANCIAL SERVICES CORP/
- **DATE OF NAME CHANGE:** 19980303

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 09-30-2025

**Check here if Amendment** [ ] **Amendment Number:** 

**This Amendment (Check only one.):** [ ] is a restatement.

[ ] adds new holdings entries.

**Institutional Investment Manager Filing this Report:**

**Name:** PEOPLES FINANCIAL SERVICES CORP.<br>**Address:** 30 E D PREATE DRIVE<br>MOOSIC, PA 18507

**Form 13F File Number:** 028-15675

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

**Person Signing this Report on Behalf of Reporting Manager:**

**Name:** Carla Olenchak<br>**Title:** VP Trust Operations Manager<br>**Phone:** 570-346-7741

**Signature, Place, and Date of Signing:**

Carla Olenchak  Quinton, VA  10-28-2025<br>[Signature]  [City, State]  [Date]

**Report Type (Check only one.):**

[x] **13F HOLDINGS REPORT.** (Check here if all holdings of this reporting manager are reported in this report.)

[ ] **13F NOTICE.** (Check here if no holdings are reported in this report, and all holdings are reported by other reporting manager(s).)

[ ] **13F COMBINATION REPORT.** (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)

### Form 13F Summary Page

**Report Summary:**

**Number of Other Included Managers:** 0

**Form 13F Information Table Entry Total:** 396

**Form 13F Information Table Value Total:** $221441895

      (round to nearest dollar)

**List of Other Included Managers:**

Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.

[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]

**NONE**

### FORM 13F INFORMATION TABLE

---

|  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | VOTING AUTHORITY | VOTING AUTHORITY | VOTING AUTHORITY |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | SOLE | SHARED | NONE |
| ALLEGION PLC | FOREIGN EQUITIES | G0176J109 |  | 11705 | 66 | SH |  | SOLE |  | 66 | 0 | 0 |
| ACCENTURE LTD BERMUDA       CL A | FOREIGN EQUITIES | G1151C101 |  | 124039 | 503 | SH |  | SOLE |  | 303 | 200 | 0 |
| ACCENTURE LTD BERMUDA       CL A | FOREIGN EQUITIES | G1151C101 |  | 94941 | 385 | SH |  | DFND |  | 0 | 385 | 0 |
| EATON CORP PLC | FOREIGN EQUITIES | G29183103 |  | 153440 | 410 | SH |  | SOLE |  | 410 | 0 | 0 |
| LINDE PLC                   SHS | FOREIGN EQUITIES | G54950103 |  | 47500 | 100 | SH |  | SOLE |  | 100 | 0 | 0 |
| MEDTRONIC PLC ORDINARY | COMMON STOCK | G5960L103 |  | 342480 | 3596 | SH |  | SOLE |  | 3596 | 0 | 0 |
| MEDTRONIC PLC ORDINARY | COMMON STOCK | G5960L103 |  | 9524 | 100 | SH |  | DFND |  | 0 | 100 | 0 |
| TRANE TECHNOLOGIES PLC      SHS | FOREIGN EQUITIES | G8994E103 |  | 84390 | 200 | SH |  | SOLE |  | 200 | 0 | 0 |
| ALCON INC                   ORD SHS | COMMON STOCK | H01301128 |  | 8121 | 109 | SH |  | SOLE |  | 109 | 0 | 0 |
| ALCON INC                   ORD SHS | COMMON STOCK | H01301128 |  | 5364 | 72 | SH |  | DFND |  | 0 | 72 | 0 |
| ASML HOLDING N V            N Y REGISTRY SHS | COMMON STOCK | N07059210 |  | 563425 | 582 | SH |  | SOLE |  | 582 | 0 | 0 |
| LYONDELLBASELL INDUSTRIES   N.V. CL A | FOREIGN EQUITIES | N53745100 |  | 7746 | 158 | SH |  | SOLE |  | 158 | 0 | 0 |
| AT INC                    COM | COMMON STOCK | 00206R102 |  | 509205 | 18038 | SH |  | SOLE |  | 16335 | 1203 | 500 |
| AT INC                    COM | COMMON STOCK | 00206R102 |  | 159639 | 5655 | SH |  | DFND |  | 1000 | 4655 | 0 |
| ABBOTT LABS                 COM | COMMON STOCK | 002824100 |  | 1209331 | 9029 | SH |  | SOLE |  | 8779 | 250 | 0 |
| ABBOTT LABS                 COM | COMMON STOCK | 002824100 |  | 447091 | 3338 | SH |  | DFND |  | 863 | 2475 | 0 |
| ABBVIE INC | COMMON STOCK | 00287Y109 |  | 2934750 | 12675 | SH |  | SOLE |  | 12025 | 350 | 300 |
| ABBVIE INC | COMMON STOCK | 00287Y109 |  | 1642309 | 7093 | SH |  | DFND |  | 1989 | 5104 | 0 |
| ADOBE INC                   COM | COMMON STOCK | 00724F101 |  | 922419 | 2615 | SH |  | SOLE |  | 2570 | 20 | 25 |
| ADOBE INC                   COM | COMMON STOCK | 00724F101 |  | 57498 | 163 | SH |  | DFND |  | 63 | 100 | 0 |
| AGILENT TECHNOLOGIES INC    COM | COMMON STOCK | 00846U101 |  | 6802 | 53 | SH |  | SOLE |  | 53 | 0 | 0 |
| AGILENT TECHNOLOGIES INC    COM | COMMON STOCK | 00846U101 |  | 25670 | 200 | SH |  | DFND |  | 200 | 0 | 0 |
| AIR PRODUCT AND CHEMICALS   INC | COMMON STOCK | 009158106 |  | 910295 | 3338 | SH |  | SOLE |  | 3138 | 200 | 0 |
| AIR PRODUCT AND CHEMICALS   INC | COMMON STOCK | 009158106 |  | 704955 | 2585 | SH |  | DFND |  | 285 | 2300 | 0 |
| ALLSTATE CORP               COM | COMMON STOCK | 020002101 |  | 21465 | 100 | SH |  | SOLE |  | 100 | 0 | 0 |
| ALNYLAM PHARMACEUTICALS INC COM | COMMON STOCK | 02043Q107 |  | 22800 | 50 | SH |  | SOLE |  | 50 | 0 | 0 |
| ALPHABET INC                CAP STK CL C | COMMON STOCK | 02079K107 |  | 1683173 | 6911 | SH |  | SOLE |  | 6911 | 0 | 0 |
| ALPHABET INC                CAP STK CL C | COMMON STOCK | 02079K107 |  | 3080663 | 12649 | SH |  | DFND |  | 449 | 12200 | 0 |
| ALPHABET INC                CAP STK CL A | COMMON STOCK | 02079K305 |  | 3096586 | 12738 | SH |  | SOLE |  | 12538 | 0 | 200 |
| ALPHABET INC                CAP STK CL A | COMMON STOCK | 02079K305 |  | 435148 | 1790 | SH |  | DFND |  | 985 | 805 | 0 |
| ALTRIA GROUP INC | COMMON STOCK | 02209S103 |  | 207097 | 3135 | SH |  | SOLE |  | 3135 | 0 | 0 |
| ALTRIA GROUP INC | COMMON STOCK | 02209S103 |  | 221301 | 3350 | SH |  | DFND |  | 200 | 3150 | 0 |
| AMAZON COM INC              COM | COMMON STOCK | 023135106 |  | 4272800 | 19460 | SH |  | SOLE |  | 19274 | 94 | 92 |
| AMAZON COM INC              COM | COMMON STOCK | 023135106 |  | 2994274 | 13637 | SH |  | DFND |  | 1267 | 12370 | 0 |
| AMERICAN ELEC PWR INC       COM | COMMON STOCK | 025537101 |  | 313312 | 2785 | SH |  | DFND |  | 0 | 2785 | 0 |
| AMERICAN EXPRESS CO         COM | COMMON STOCK | 025816109 |  | 3034509 | 9136 | SH |  | SOLE |  | 8836 | 300 | 0 |
| AMERICAN EXPRESS CO         COM | COMMON STOCK | 025816109 |  | 410867 | 1237 | SH |  | DFND |  | 599 | 638 | 0 |
| AMERICAN WATER WORKS | COMMON STOCK | 030420103 |  | 388059 | 2788 | SH |  | SOLE |  | 2588 | 200 | 0 |
| AMERICAN WATER WORKS | COMMON STOCK | 030420103 |  | 113160 | 813 | SH |  | DFND |  | 493 | 320 | 0 |
| AMERIPRISE FINL INC         COM | COMMON STOCK | 03076C106 |  | 307030 | 625 | SH |  | SOLE |  | 625 | 0 | 0 |
| AMGEN INC                   COM | COMMON STOCK | 031162100 |  | 695024 | 2463 | SH |  | SOLE |  | 2463 | 0 | 0 |
| AMGEN INC                   COM | COMMON STOCK | 031162100 |  | 557325 | 1975 | SH |  | DFND |  | 0 | 1975 | 0 |
| AMPLIFY ETF TR              ALTRNTV HARV ETF | MUTUAL FUNDS-ETF EQUITIES | 032108474 |  | 299 | 8 | SH |  | SOLE |  | 8 | 0 | 0 |
| ANALOG DEVICES INC | COMMON STOCK | 032654105 |  | 1823821 | 7423 | SH |  | SOLE |  | 7423 | 0 | 0 |
| ANALOG DEVICES INC | COMMON STOCK | 032654105 |  | 146435 | 596 | SH |  | DFND |  | 261 | 335 | 0 |
| APOLLO GLOBAL MGMT INC      COM | COMMON STOCK | 03769M106 |  | 77962 | 585 | SH |  | SOLE |  | 585 | 0 | 0 |
| APPLE COMPUTER INC          COM | COMMON STOCK | 037833100 |  | 9850583 | 38686 | SH |  | SOLE |  | 38131 | 287 | 268 |
| APPLE COMPUTER INC          COM | COMMON STOCK | 037833100 |  | 1877638 | 7374 | SH |  | DFND |  | 3029 | 4345 | 0 |
| APPLIED MATLS INC           COM | COMMON STOCK | 038222105 |  | 785167 | 3835 | SH |  | SOLE |  | 3835 | 0 | 0 |
| APPLIED MATLS INC           COM | COMMON STOCK | 038222105 |  | 28458 | 139 | SH |  | DFND |  | 139 | 0 | 0 |
| ASTRAZENECA PLC             SPONSORED ADR | FOREIGN EQUITIES | 046353108 |  | 4756 | 62 | SH |  | SOLE |  | 62 | 0 | 0 |
| AUTOMATIC DATA PROCESSING INCOM | COMMON STOCK | 053015103 |  | 580246 | 1977 | SH |  | SOLE |  | 1402 | 575 | 0 |
| AUTOMATIC DATA PROCESSING INCOM | COMMON STOCK | 053015103 |  | 58700 | 200 | SH |  | DFND |  | 0 | 200 | 0 |
| AUTOZONE INC                COM | COMMON STOCK | 053332102 |  | 1342841 | 313 | SH |  | SOLE |  | 313 | 0 | 0 |
| AUTOZONE INC                COM | COMMON STOCK | 053332102 |  | 214511 | 50 | SH |  | DFND |  | 0 | 50 | 0 |
| AXON ENTERPRISE INC         COM | COMMON STOCK | 05464C101 |  | 7176 | 10 | SH |  | SOLE |  | 10 | 0 | 0 |
| BP  PLC SPONSORED ADR | COMMON STOCK | 055622104 |  | 105966 | 3076 | SH |  | SOLE |  | 3076 | 0 | 0 |
| BP  PLC SPONSORED ADR | COMMON STOCK | 055622104 |  | 68658 | 1993 | SH |  | DFND |  | 1093 | 900 | 0 |
| BANKAMERICA CORP NEW | COMMON STOCK | 060505104 |  | 36523 | 708 | SH |  | SOLE |  | 708 | 0 | 0 |
| BANK NEW YORK MELLON CORP   COM | COMMON STOCK | 064058100 |  | 142733 | 1310 | SH |  | SOLE |  | 1310 | 0 | 0 |
| BAXTER INTL INC             COM | COMMON STOCK | 071813109 |  | 45540 | 2000 | SH |  | DFND |  | 0 | 2000 | 0 |
| BERKSHIRE HATHAWAY B NEW | COMMON STOCK | 084670702 |  | 2272829 | 4521 | SH |  | SOLE |  | 4521 | 0 | 0 |
| BERKSHIRE HATHAWAY B NEW | COMMON STOCK | 084670702 |  | 864694 | 1720 | SH |  | DFND |  | 220 | 1500 | 0 |
| BLACKROCK INC               COM | COMMON STOCK | 09290D101 |  | 598079 | 513 | SH |  | SOLE |  | 513 | 0 | 0 |
| BLACKROCK INC               COM | COMMON STOCK | 09290D101 |  | 816102 | 700 | SH |  | DFND |  | 0 | 700 | 0 |
| BOEING CO                   COM | COMMON STOCK | 097023105 |  | 1220496 | 5655 | SH |  | SOLE |  | 5655 | 0 | 0 |
| BOEING CO                   COM | COMMON STOCK | 097023105 |  | 164030 | 760 | SH |  | DFND |  | 493 | 267 | 0 |
| BRISTOL MYERS SQUIBB CO | COMMON STOCK | 110122108 |  | 602804 | 13369 | SH |  | SOLE |  | 12269 | 900 | 200 |
| BRISTOL MYERS SQUIBB CO | COMMON STOCK | 110122108 |  | 293218 | 6503 | SH |  | DFND |  | 340 | 6163 | 0 |
| BROADCOM INC NPV | COMMON STOCK | 11135F101 |  | 9021110 | 27345 | SH |  | SOLE |  | 27137 | 208 | 0 |
| BROADCOM INC NPV | COMMON STOCK | 11135F101 |  | 517943 | 1570 | SH |  | DFND |  | 400 | 1170 | 0 |
| CNB FINL CORP PA            COM | COMMON STOCK | 126128107 |  | 27539 | 1138 | SH |  | SOLE |  | 1138 | 0 | 0 |
| CSX CORP                    COM | COMMON STOCK | 126408103 |  | 21300 | 600 | SH |  | SOLE |  | 0 | 600 | 0 |
| CVS/CAREMARK CORP           COM | COMMON STOCK | 126650100 |  | 78313 | 1039 | SH |  | SOLE |  | 1039 | 0 | 0 |
| CVS/CAREMARK CORP           COM | COMMON STOCK | 126650100 |  | 21483 | 285 | SH |  | DFND |  | 0 | 285 | 0 |
| CADENCE DESIGN SYSTEM INC   COM | COMMON STOCK | 127387108 |  | 72359 | 206 | SH |  | SOLE |  | 206 | 0 | 0 |
| CAPITAL ONE FINL CORP | COMMON STOCK | 14040H105 |  | 23596 | 111 | SH |  | SOLE |  | 111 | 0 | 0 |
| CARRIER GLOBAL CORPORATION  COM | COMMON STOCK | 14448C104 |  | 5373 | 90 | SH |  | SOLE |  | 90 | 0 | 0 |
| CARRIER GLOBAL CORPORATION  COM | COMMON STOCK | 14448C104 |  | 328350 | 5500 | SH |  | DFND |  | 0 | 5500 | 0 |
| CATERPILLAR INC DEL         COM | COMMON STOCK | 149123101 |  | 987667 | 2070 | SH |  | SOLE |  | 2070 | 0 | 0 |
| CATERPILLAR INC DEL         COM | COMMON STOCK | 149123101 |  | 89224 | 187 | SH |  | DFND |  | 93 | 94 | 0 |
| CHARTER COMMUNICATIONS INC NCL A | COMMON STOCK | 16119P108 |  | 4401 | 16 | SH |  | SOLE |  | 16 | 0 | 0 |
| CHEMOURS CO                 COM | COMMON STOCK | 163851108 |  | 1520 | 96 | SH |  | SOLE |  | 96 | 0 | 0 |
| EXPAND ENERGY CORPORATION   COM | COMMON STOCK | 165167735 |  | 9136 | 86 | SH |  | SOLE |  | 86 | 0 | 0 |
| CHEVRONTEXACO CORP          COM | COMMON STOCK | 166764100 |  | 1703982 | 10973 | SH |  | SOLE |  | 10927 | 46 | 0 |
| CHEVRONTEXACO CORP          COM | COMMON STOCK | 166764100 |  | 924595 | 5954 | SH |  | DFND |  | 356 | 5598 | 0 |
| CISCO SYS INC               COM | COMMON STOCK | 17275R102 |  | 2099044 | 30679 | SH |  | SOLE |  | 30679 | 0 | 0 |
| CISCO SYS INC               COM | COMMON STOCK | 17275R102 |  | 333271 | 4871 | SH |  | DFND |  | 1277 | 3594 | 0 |
| CITIGROUP INC NEW | COMMON STOCK | 172967424 |  | 151539 | 1493 | SH |  | SOLE |  | 1493 | 0 | 0 |
| CITIGROUP INC NEW | COMMON STOCK | 172967424 |  | 5075 | 50 | SH |  | DFND |  | 0 | 50 | 0 |
| CLOROX COMPANY | COMMON STOCK | 189054109 |  | 44510 | 361 | SH |  | SOLE |  | 361 | 0 | 0 |
| COCA COLA CO                COM | COMMON STOCK | 191216100 |  | 1181303 | 17815 | SH |  | SOLE |  | 16260 | 1000 | 555 |
| COCA COLA CO                COM | COMMON STOCK | 191216100 |  | 177842 | 2682 | SH |  | DFND |  | 582 | 2100 | 0 |
| COINBASE GLOBAL INC         COM CL A | COMMON STOCK | 19260Q107 |  | 33748 | 100 | SH |  | SOLE |  | 100 | 0 | 0 |
| COLGATE PALMOLIVE CO        COM | COMMON STOCK | 194162103 |  | 56357 | 705 | SH |  | SOLE |  | 325 | 380 | 0 |
| COLGATE PALMOLIVE CO        COM | COMMON STOCK | 194162103 |  | 319760 | 4000 | SH |  | DFND |  | 0 | 4000 | 0 |
| COMCAST CORP | COMMON STOCK | 20030N101 |  | 498719 | 15878 | SH |  | SOLE |  | 15878 | 0 | 0 |
| COMCAST CORP | COMMON STOCK | 20030N101 |  | 57259 | 1823 | SH |  | DFND |  | 1478 | 345 | 0 |
| COMMUNITY BANK SYSTEM INC | COMMON STOCK | 203607106 |  | 299013 | 5100 | SH |  | SOLE |  | 5100 | 0 | 0 |
| CONOCOPHILLIPS              COM | COMMON STOCK | 20825C104 |  | 193245 | 2043 | SH |  | SOLE |  | 2043 | 0 | 0 |
| CONOCOPHILLIPS              COM | COMMON STOCK | 20825C104 |  | 47295 | 500 | SH |  | DFND |  | 500 | 0 | 0 |
| CONSOLIDATED EDISON INC | COMMON STOCK | 209115104 |  | 201 | 2 | SH |  | SOLE |  | 2 | 0 | 0 |
| CONSOLIDATED EDISON INC | COMMON STOCK | 209115104 |  | 50260 | 500 | SH |  | DFND |  | 0 | 0 | 500 |
| CONSTELLATION ENERGY CORP   COM | COMMON STOCK | 21037T109 |  | 65813 | 200 | SH |  | SOLE |  | 34 | 0 | 166 |
| CONSTELLATION ENERGY CORP   COM | COMMON STOCK | 21037T109 |  | 21718 | 66 | SH |  | DFND |  | 0 | 66 | 0 |
| CORTEVA INC                 COM | COMMON STOCK | 22052L104 |  | 158177 | 2339 | SH |  | SOLE |  | 2070 | 99 | 170 |
| CORTEVA INC                 COM | COMMON STOCK | 22052L104 |  | 239811 | 3546 | SH |  | DFND |  | 608 | 2938 | 0 |
| COSTCO WHSL CORP NEW | COMMON STOCK | 22160K105 |  | 598875 | 647 | SH |  | SOLE |  | 647 | 0 | 0 |
| COSTCO WHSL CORP NEW | COMMON STOCK | 22160K105 |  | 107373 | 116 | SH |  | DFND |  | 116 | 0 | 0 |
| CUMMINS INC                 COM | COMMON STOCK | 231021106 |  | 87428 | 207 | SH |  | SOLE |  | 207 | 0 | 0 |
| DANAHER CORP | COMMON STOCK | 235851102 |  | 352102 | 1776 | SH |  | SOLE |  | 1776 | 0 | 0 |
| DANAHER CORP | COMMON STOCK | 235851102 |  | 15860 | 80 | SH |  | DFND |  | 0 | 80 | 0 |
| DEERE  CO                  COM | COMMON STOCK | 244199105 |  | 530870 | 1161 | SH |  | SOLE |  | 1161 | 0 | 0 |
| DEERE  CO                  COM | COMMON STOCK | 244199105 |  | 630104 | 1378 | SH |  | DFND |  | 293 | 1085 | 0 |
| DIGITAL RLTY TR INC         COM | COMMON STOCK | 253868103 |  | 60680 | 351 | SH |  | SOLE |  | 351 | 0 | 0 |
| DISNEY WALT CO              COM DISNEY | COMMON STOCK | 254687106 |  | 261170 | 2281 | SH |  | SOLE |  | 2281 | 0 | 0 |
| DISNEY WALT CO              COM DISNEY | COMMON STOCK | 254687106 |  | 22900 | 200 | SH |  | DFND |  | 100 | 100 | 0 |
| DOLLAR GEN CORP NEW         COM | COMMON STOCK | 256677105 |  | 34518 | 334 | SH |  | SOLE |  | 334 | 0 | 0 |
| DOMINION RES INC VA NEW     COM | COMMON STOCK | 25746U109 |  | 608264 | 9944 | SH |  | SOLE |  | 8369 | 1175 | 400 |
| DOMINION RES INC VA NEW     COM | COMMON STOCK | 25746U109 |  | 488503 | 7986 | SH |  | DFND |  | 0 | 7986 | 0 |
| DOW INC                     COM | COMMON STOCK | 260557103 |  | 58759 | 2563 | SH |  | SOLE |  | 2393 | 0 | 170 |
| DOW INC                     COM | COMMON STOCK | 260557103 |  | 81307 | 3546 | SH |  | DFND |  | 608 | 2938 | 0 |
| DUKE ENERGY HLDG CORP | COMMON STOCK | 26441C204 |  | 601544 | 4861 | SH |  | SOLE |  | 4811 | 50 | 0 |
| DUKE ENERGY HLDG CORP | COMMON STOCK | 26441C204 |  | 550686 | 4450 | SH |  | DFND |  | 985 | 3465 | 0 |
| DUPONT DE NEMOURS INC       COM | COMMON STOCK | 26614N102 |  | 283461 | 3639 | SH |  | SOLE |  | 3370 | 99 | 170 |
| DUPONT DE NEMOURS INC       COM | COMMON STOCK | 26614N102 |  | 260650 | 3346 | SH |  | DFND |  | 608 | 2738 | 0 |
| EASTMAN CHEMICAL CO | COMMON STOCK | 277432100 |  | 7816 | 124 | SH |  | SOLE |  | 124 | 0 | 0 |
| EATON VANCE INSURED MUNI BD FD | MUTUAL FUNDS-ETF NON-TAX | 27827X101 |  | 16560 | 1666 | SH |  | SOLE |  | 1666 | 0 | 0 |
| EBAY INC                    COM | COMMON STOCK | 278642103 |  | 37107 | 408 | SH |  | SOLE |  | 408 | 0 | 0 |
| ECOLAB INC | COMMON STOCK | 278865100 |  | 346691 | 1266 | SH |  | SOLE |  | 1266 | 0 | 0 |
| ECOLAB INC | COMMON STOCK | 278865100 |  | 60245 | 220 | SH |  | DFND |  | 23 | 197 | 0 |
| EMERSON ELEC CO             COM | COMMON STOCK | 291011104 |  | 1809487 | 13794 | SH |  | SOLE |  | 13319 | 75 | 400 |
| EMERSON ELEC CO             COM | COMMON STOCK | 291011104 |  | 633071 | 4826 | SH |  | DFND |  | 372 | 4454 | 0 |
| ENBRIDGE INC | COMMON STOCK | 29250N105 |  | 986630 | 19557 | SH |  | SOLE |  | 19257 | 300 | 0 |
| ENBRIDGE INC | COMMON STOCK | 29250N105 |  | 497534 | 9862 | SH |  | DFND |  | 2094 | 7768 | 0 |
| ENERGY TRANSFER EQUITY L P  COM UNIT LTD PRTNERS | PARTNERSHIPS | 29273V100 |  | 30732 | 1792 | SH |  | SOLE |  | 1792 | 0 | 0 |
| ESSENTIAL UTILS INC         COM | COMMON STOCK | 29670G102 |  | 9972 | 250 | SH |  | DFND |  | 0 | 250 | 0 |
| EXELON CORP                 COM | COMMON STOCK | 30161N101 |  | 160830 | 3574 | SH |  | SOLE |  | 2874 | 200 | 500 |
| EXELON CORP                 COM | COMMON STOCK | 30161N101 |  | 27000 | 600 | SH |  | DFND |  | 0 | 600 | 0 |
| EXPEDITORS INTL WASH INC | COMMON STOCK | 302130109 |  | 287962 | 2349 | SH |  | SOLE |  | 2349 | 0 | 0 |
| EXPEDITORS INTL WASH INC | COMMON STOCK | 302130109 |  | 68772 | 561 | SH |  | DFND |  | 261 | 300 | 0 |
| EXXON MOBIL CORP            COM | COMMON STOCK | 30231G102 |  | 2477998 | 21978 | SH |  | SOLE |  | 20353 | 1625 | 0 |
| EXXON MOBIL CORP            COM | COMMON STOCK | 30231G102 |  | 1669035 | 14803 | SH |  | DFND |  | 1182 | 13021 | 600 |
| F N B CORP PA | COMMON STOCK | 302520101 |  | 933365 | 57937 | SH |  | SOLE |  | 0 | 57937 | 0 |
| META PLATFORMS INC | COMMON STOCK | 30303M102 |  | 1653808 | 2252 | SH |  | SOLE |  | 2252 | 0 | 0 |
| META PLATFORMS INC | COMMON STOCK | 30303M102 |  | 143203 | 195 | SH |  | DFND |  | 100 | 95 | 0 |
| FASTENAL CO                 COM | COMMON STOCK | 311900104 |  | 2552570 | 52051 | SH |  | SOLE |  | 49251 | 1200 | 1600 |
| FASTENAL CO                 COM | COMMON STOCK | 311900104 |  | 806606 | 16448 | SH |  | DFND |  | 7198 | 9250 | 0 |
| FEDEX CORPORATION | COMMON STOCK | 31428X106 |  | 23581 | 100 | SH |  | SOLE |  | 100 | 0 | 0 |
| FIDELITY D  D BANCORP INC  COM | COMMON STOCK | 31609R100 |  | 6397 | 146 | SH |  | SOLE |  | 146 | 0 | 0 |
| FLEXSHARES TR               US QT LW VLTY | MUTUAL FUNDS-ETF EQUITIES | 33939L654 |  | 2427310 | 33741 | SH |  | SOLE |  | 33741 | 0 | 0 |
| FLEXSHARES TR               US QT LW VLTY | MUTUAL FUNDS-ETF EQUITIES | 33939L654 |  | 29349 | 408 | SH |  | DFND |  | 0 | 408 | 0 |
| FORD MTR CO DEL             COM PAR $0.01 | COMMON STOCK | 345370860 |  | 5980 | 500 | SH |  | SOLE |  | 500 | 0 | 0 |
| FREEPORTMCMORAN COPP CL B | COMMON STOCK | 35671D857 |  | 8393 | 214 | SH |  | SOLE |  | 214 | 0 | 0 |
| FREEPORTMCMORAN COPP CL B | COMMON STOCK | 35671D857 |  | 2117 | 54 | SH |  | DFND |  | 0 | 54 | 0 |
| GE HEALTHCARE TECHNOLOGIES ICOMMON STOCK | COMMON STOCK | 36266G107 |  | 21551 | 287 | SH |  | SOLE |  | 238 | 49 | 0 |
| GE HEALTHCARE TECHNOLOGIES ICOMMON STOCK | COMMON STOCK | 36266G107 |  | 1126 | 15 | SH |  | DFND |  | 0 | 15 | 0 |
| GARRETT MOTION INC          COM | COMMON STOCK | 366505105 |  | 136 | 10 | SH |  | DFND |  | 0 | 10 | 0 |
| GE VERNOVA INC              COM | COMMON STOCK | 36828A101 |  | 132814 | 216 | SH |  | SOLE |  | 179 | 37 | 0 |
| GE VERNOVA INC              COM | COMMON STOCK | 36828A101 |  | 93461 | 152 | SH |  | DFND |  | 12 | 140 | 0 |
| GENERAL DYNAMICS CORP | COMMON STOCK | 369550108 |  | 157542 | 462 | SH |  | SOLE |  | 462 | 0 | 0 |
| GENERAL ELEC CO             COM | COMMON STOCK | 369604301 |  | 400689 | 1332 | SH |  | SOLE |  | 1182 | 150 | 0 |
| GENERAL ELEC CO             COM | COMMON STOCK | 369604301 |  | 200946 | 668 | SH |  | DFND |  | 50 | 618 | 0 |
| GENERAL MLS INC             COM | COMMON STOCK | 370334104 |  | 414863 | 8230 | SH |  | SOLE |  | 8230 | 0 | 0 |
| GENERAL MLS INC             COM | COMMON STOCK | 370334104 |  | 207686 | 4120 | SH |  | DFND |  | 264 | 3856 | 0 |
| GENERAL MOTORS CO           COM | COMMON STOCK | 37045V100 |  | 12194 | 200 | SH |  | SOLE |  | 200 | 0 | 0 |
| GENUINE PARTS CO            COM | COMMON STOCK | 372460105 |  | 29244 | 211 | SH |  | SOLE |  | 211 | 0 | 0 |
| GLAXOSMITHKLINE PLC         SPONSORED ADR | COMMON STOCK | 37733W204 |  | 112707 | 2612 | SH |  | SOLE |  | 2292 | 320 | 0 |
| GLAXOSMITHKLINE PLC         SPONSORED ADR | COMMON STOCK | 37733W204 |  | 3452 | 80 | SH |  | DFND |  | 0 | 80 | 0 |
| GOLDMAN SACHS GROUP INC | COMMON STOCK | 38141G104 |  | 2029056 | 2548 | SH |  | SOLE |  | 2548 | 0 | 0 |
| GOLDMAN SACHS GROUP INC | COMMON STOCK | 38141G104 |  | 175193 | 220 | SH |  | DFND |  | 155 | 65 | 0 |
| HALEON PLC                  SPON ADS | FOREIGN EQUITIES | 405552100 |  | 897 | 100 | SH |  | DFND |  | 0 | 100 | 0 |
| HASBRO INC                  COM | COMMON STOCK | 418056107 |  | 16535 | 218 | SH |  | SOLE |  | 218 | 0 | 0 |
| HERSHEY FOODS CORP          COM | COMMON STOCK | 427866108 |  | 80243 | 429 | SH |  | SOLE |  | 279 | 150 | 0 |
| HOME DEPOT INC              COM | COMMON STOCK | 437076102 |  | 1964340 | 4848 | SH |  | SOLE |  | 4848 | 0 | 0 |
| HOME DEPOT INC              COM | COMMON STOCK | 437076102 |  | 114262 | 282 | SH |  | DFND |  | 232 | 50 | 0 |
| HONEYWELL INTL INC          COM | COMMON STOCK | 438516106 |  | 662020 | 3145 | SH |  | SOLE |  | 3145 | 0 | 0 |
| HONEYWELL INTL INC          COM | COMMON STOCK | 438516106 |  | 20629 | 98 | SH |  | DFND |  | 0 | 98 | 0 |
| INDEXIQ ETF TR              HEDGE MLTI ETF | MUTUAL FUNDS-ETF ALTERNATIVE | 45409B107 |  | 107010 | 3182 | SH |  | SOLE |  | 3182 | 0 | 0 |
| INGERSOLL RAND INC          COM | COMMON STOCK | 45687V106 |  | 14541 | 176 | SH |  | SOLE |  | 176 | 0 | 0 |
| INTEL CORP                  COM | COMMON STOCK | 458140100 |  | 45279 | 1350 | SH |  | SOLE |  | 1350 | 0 | 0 |
| INTEL CORP                  COM | COMMON STOCK | 458140100 |  | 127384 | 3798 | SH |  | DFND |  | 1298 | 2500 | 0 |
| INTERNATIONAL BUSINESS MACHSCOM | COMMON STOCK | 459200101 |  | 571631 | 2026 | SH |  | SOLE |  | 2001 | 25 | 0 |
| INTERNATIONAL BUSINESS MACHSCOM | COMMON STOCK | 459200101 |  | 573609 | 2033 | SH |  | DFND |  | 0 | 2033 | 0 |
| INTUITIVE SURGICAL INC. | COMMON STOCK | 46120E602 |  | 11180 | 25 | SH |  | SOLE |  | 25 | 0 | 0 |
| INVESCO EXCHANGE TRADED FD TS EQL WGT | MUTUAL FUNDS-ETF EQUITIES | 46137V357 |  | 323433 | 1705 | SH |  | SOLE |  | 1705 | 0 | 0 |
| INVESCO EX PFD ETF | MUTUAL FUNDS-ETF EQUITIES | 46138E511 |  | 46400 | 4000 | SH |  | SOLE |  | 4000 | 0 | 0 |
| ISHARES                     MSCI PAC JP ETF | MUTUAL FUNDS | 464286665 |  | 2578 | 50 | SH |  | SOLE |  | 50 | 0 | 0 |
| ISHARES S 100 | MUTUAL FUNDS | 464287101 |  | 16641 | 50 | SH |  | SOLE |  | 50 | 0 | 0 |
| I SHARES TR DJ SLECT        DIV INDEX | MUTUAL FUNDS-ETF EQUITIES | 464287168 |  | 135133 | 951 | SH |  | SOLE |  | 951 | 0 | 0 |
| ISHARES S 500 INDEX | MUTUAL FUNDS-ETF EQUITIES | 464287200 |  | 940350 | 1405 | SH |  | SOLE |  | 1405 | 0 | 0 |
| ISHARES S 500 INDEX | MUTUAL FUNDS-ETF EQUITIES | 464287200 |  | 6023 | 9 | SH |  | DFND |  | 9 | 0 | 0 |
| ISHARES TR                  MSCI EAFE INDEX | MUTUAL FUNDS-ETF EQUITIES | 464287465 |  | 2369621 | 25379 | SH |  | SOLE |  | 25379 | 0 | 0 |
| ISHARES TR                  MSCI EAFE INDEX | MUTUAL FUNDS-ETF EQUITIES | 464287465 |  | 690376 | 7394 | SH |  | DFND |  | 5004 | 2390 | 0 |
| ISHARES TR                  RUS MD CP GR ETF | MUTUAL FUNDS-ETF EQUITIES | 464287481 |  | 14098 | 99 | SH |  | SOLE |  | 99 | 0 | 0 |
| ISHARES RUSSELL MID-CAP ETF | MUTUAL FUNDS | 464287499 |  | 28965 | 300 | SH |  | SOLE |  | 300 | 0 | 0 |
| ISHARES RUSSELL 1000 VALUE | MUTUAL FUNDS-ETF EQUITIES | 464287598 |  | 37664 | 185 | SH |  | SOLE |  | 185 | 0 | 0 |
| ISHARES RUSSELL 1000 GROWTH | MUTUAL FUNDS-ETF EQUITIES | 464287614 |  | 152230 | 325 | SH |  | SOLE |  | 325 | 0 | 0 |
| ISHARES S 600 INDEX | MUTUAL FUNDS-ETF EQUITIES | 464287804 |  | 29707 | 250 | SH |  | SOLE |  | 250 | 0 | 0 |
| ISHARES TR                  US TREAS BD ETF | MUTUAL FUNDS-ETF FIXED INCOME | 46429B267 |  | 14305 | 619 | SH |  | SOLE |  | 619 | 0 | 0 |
| J P MORGAN CHASE  CO       COM | COMMON STOCK | 46625H100 |  | 4069844 | 12903 | SH |  | SOLE |  | 12728 | 175 | 0 |
| J P MORGAN CHASE  CO       COM | COMMON STOCK | 46625H100 |  | 534320 | 1694 | SH |  | DFND |  | 594 | 1100 | 0 |
| JOHNSON  JOHNSON           COM | COMMON STOCK | 478160104 |  | 2985984 | 16104 | SH |  | SOLE |  | 15154 | 950 | 0 |
| JOHNSON  JOHNSON           COM | COMMON STOCK | 478160104 |  | 754473 | 4069 | SH |  | DFND |  | 273 | 3796 | 0 |
| KELLOGG CO                  COM | COMMON STOCK | 487836108 |  | 41010 | 500 | SH |  | SOLE |  | 0 | 0 | 500 |
| KELLOGG CO                  COM | COMMON STOCK | 487836108 |  | 123030 | 1500 | SH |  | DFND |  | 0 | 1500 | 0 |
| KIMBERLY CLARK CORP         COM | COMMON STOCK | 494368103 |  | 201304 | 1619 | SH |  | SOLE |  | 1619 | 0 | 0 |
| KIMBERLY CLARK CORP         COM | COMMON STOCK | 494368103 |  | 419274 | 3372 | SH |  | DFND |  | 0 | 3372 | 0 |
| KINDER MORGAN INC (DE)      CLASS P | COMMON STOCK | 49456B101 |  | 28 | 1 | SH |  | SOLE |  | 1 | 0 | 0 |
| KRAFT HEINZ CO              COM | COMMON STOCK | 500754106 |  | 196627 | 7551 | SH |  | SOLE |  | 7551 | 0 | 0 |
| KRAFT HEINZ CO              COM | COMMON STOCK | 500754106 |  | 27237 | 1046 | SH |  | DFND |  | 0 | 1046 | 0 |
| KYNDRYL HLDGS INC           COMMON STOCK | COMMON STOCK | 50155Q100 |  | 690 | 23 | SH |  | SOLE |  | 23 | 0 | 0 |
| KYNDRYL HLDGS INC           COMMON STOCK | COMMON STOCK | 50155Q100 |  | 300 | 10 | SH |  | DFND |  | 0 | 10 | 0 |
| LILLY ELI  CO              COM | COMMON STOCK | 532457108 |  | 4327736 | 5672 | SH |  | SOLE |  | 5287 | 235 | 150 |
| LILLY ELI  CO              COM | COMMON STOCK | 532457108 |  | 5192978 | 6806 | SH |  | DFND |  | 400 | 6406 | 0 |
| LOCKHEED MARTIN CORP        COM | COMMON STOCK | 539830109 |  | 851129 | 1705 | SH |  | SOLE |  | 1705 | 0 | 0 |
| LOCKHEED MARTIN CORP        COM | COMMON STOCK | 539830109 |  | 79871 | 160 | SH |  | DFND |  | 93 | 67 | 0 |
| LOWES COS INC               COM | COMMON STOCK | 548661107 |  | 370680 | 1475 | SH |  | SOLE |  | 650 | 425 | 400 |
| LOWES COS INC               COM | COMMON STOCK | 548661107 |  | 242765 | 966 | SH |  | DFND |  | 500 | 466 | 0 |
| LULULEMON ATHLETICA | COMMON STOCK | 550021109 |  | 35586 | 200 | SH |  | SOLE |  | 200 | 0 | 0 |
| MANNKIND CORPORATION | COMMON STOCK | 56400P706 |  | 1165 | 217 | SH |  | DFND |  | 0 | 217 | 0 |
| MARATHON PETROLEUM CORP | COMMON STOCK | 56585A102 |  | 353099 | 1832 | SH |  | SOLE |  | 1832 | 0 | 0 |
| MASTERCARD INCORPORATED | COMMON STOCK | 57636Q104 |  | 2473704 | 4349 | SH |  | SOLE |  | 4349 | 0 | 0 |
| MASTERCARD INCORPORATED | COMMON STOCK | 57636Q104 |  | 1084699 | 1907 | SH |  | DFND |  | 567 | 1340 | 0 |
| MCDONALDS CORP              COM | COMMON STOCK | 580135101 |  | 4759654 | 15663 | SH |  | SOLE |  | 15663 | 0 | 0 |
| MCDONALDS CORP              COM | COMMON STOCK | 580135101 |  | 419655 | 1381 | SH |  | DFND |  | 496 | 885 | 0 |
| MCKESSON CORP | COMMON STOCK | 58155Q103 |  | 171501 | 222 | SH |  | SOLE |  | 222 | 0 | 0 |
| MERCK  CO INC NEW | COMMON STOCK | 58933Y105 |  | 1390798 | 16571 | SH |  | SOLE |  | 16171 | 50 | 350 |
| MERCK  CO INC NEW | COMMON STOCK | 58933Y105 |  | 520951 | 6207 | SH |  | DFND |  | 792 | 5415 | 0 |
| MICROSOFT CORP | COMMON STOCK | 594918104 |  | 8130753 | 15698 | SH |  | SOLE |  | 14284 | 1295 | 119 |
| MICROSOFT CORP | COMMON STOCK | 594918104 |  | 2292960 | 4427 | SH |  | DFND |  | 965 | 3462 | 0 |
| MICROCHIP TECHNOLOGY INC    COM | COMMON STOCK | 595017104 |  | 242042 | 3769 | SH |  | SOLE |  | 3069 | 0 | 700 |
| MICROCHIP TECHNOLOGY INC    COM | COMMON STOCK | 595017104 |  | 252897 | 3938 | SH |  | DFND |  | 558 | 3380 | 0 |
| MONDELEZ INTL INC | COMMON STOCK | 609207105 |  | 402736 | 6447 | SH |  | SOLE |  | 6023 | 0 | 424 |
| MONDELEZ INTL INC | COMMON STOCK | 609207105 |  | 552044 | 8837 | SH |  | DFND |  | 1578 | 7259 | 0 |
| MORGAN STANLEY DEAN WITTER  DISCOVER  CO | COMMON STOCK | 617446448 |  | 1312359 | 8256 | SH |  | SOLE |  | 8256 | 0 | 0 |
| MORGAN STANLEY DEAN WITTER  DISCOVER  CO | COMMON STOCK | 617446448 |  | 33221 | 209 | SH |  | DFND |  | 209 | 0 | 0 |
| NBT BANCORP INC             COM | COMMON STOCK | 628778102 |  | 626250 | 15000 | SH |  | SOLE |  | 15000 | 0 | 0 |
| NASDAQ INC                  COM | COMMON STOCK | 631103108 |  | 130817 | 1479 | SH |  | SOLE |  | 1479 | 0 | 0 |
| NETFLIX INC                 COM | COMMON STOCK | 64110L106 |  | 110300 | 92 | SH |  | SOLE |  | 92 | 0 | 0 |
| NEW YORK TIMES CO CL A | COMMON STOCK | 650111107 |  | 34440 | 600 | SH |  | SOLE |  | 600 | 0 | 0 |
| NEXTERA ENERGY INC | COMMON STOCK | 65339F101 |  | 667330 | 8840 | SH |  | SOLE |  | 7805 | 1035 | 0 |
| NEXTERA ENERGY INC | COMMON STOCK | 65339F101 |  | 1185191 | 15700 | SH |  | DFND |  | 1117 | 14583 | 0 |
| NIKE INC CL B | COMMON STOCK | 654106103 |  | 680386 | 9759 | SH |  | SOLE |  | 9759 | 0 | 0 |
| NIKE INC CL B | COMMON STOCK | 654106103 |  | 110366 | 1583 | SH |  | DFND |  | 1103 | 480 | 0 |
| NORFOLK SOUTHERN CORP | COMMON STOCK | 655844108 |  | 713445 | 2375 | SH |  | SOLE |  | 2375 | 0 | 0 |
| NORFOLK SOUTHERN CORP | COMMON STOCK | 655844108 |  | 97029 | 323 | SH |  | DFND |  | 0 | 323 | 0 |
| NORWOOD FINANCIAL           CORPORATION | COMMON STOCK | 669549107 |  | 90331 | 3555 | SH |  | SOLE |  | 3555 | 0 | 0 |
| NOVARTIS AG | COMMON STOCK | 66987V109 |  | 94256 | 735 | SH |  | SOLE |  | 535 | 0 | 200 |
| NOVARTIS AG | COMMON STOCK | 66987V109 |  | 130804 | 1020 | SH |  | DFND |  | 840 | 180 | 0 |
| NOVO-NORDISK A S            ADR | COMMON STOCK | 670100205 |  | 299621 | 5400 | SH |  | SOLE |  | 5400 | 0 | 0 |
| NOVO-NORDISK A S            ADR | COMMON STOCK | 670100205 |  | 71636 | 1291 | SH |  | DFND |  | 0 | 1291 | 0 |
| NUCOR CORP | COMMON STOCK | 670346105 |  | 44014 | 325 | SH |  | SOLE |  | 325 | 0 | 0 |
| NVIDIA CORP                 COM | COMMON STOCK | 67066G104 |  | 878229 | 4707 | SH |  | SOLE |  | 4707 | 0 | 0 |
| NVIDIA CORP                 COM | COMMON STOCK | 67066G104 |  | 9329 | 50 | SH |  | DFND |  | 0 | 50 | 0 |
| NUVEEN REAL ESTATE INCOME FD | MUTUAL FUNDS-ETF FIXED INCOME | 67071B108 |  | 1635 | 200 | SH |  | SOLE |  | 200 | 0 | 0 |
| OREILLY AUTOMOTIVE INC      COM | COMMON STOCK | 67103H107 |  | 161715 | 1500 | SH |  | DFND |  | 0 | 1500 | 0 |
| OCCIDENTAL PETE CORP DEL    COM | COMMON STOCK | 674599105 |  | 122658 | 2596 | SH |  | SOLE |  | 2596 | 0 | 0 |
| ONTO INNOVATION INC         COM | COMMON STOCK | 683344105 |  | 239056 | 1850 | SH |  | SOLE |  | 1850 | 0 | 0 |
| ORACLE CORP                 COM | COMMON STOCK | 68389X105 |  | 3298822 | 11730 | SH |  | SOLE |  | 11730 | 0 | 0 |
| ORACLE CORP                 COM | COMMON STOCK | 68389X105 |  | 214296 | 762 | SH |  | DFND |  | 332 | 430 | 0 |
| OTIS WORLDWIDE CORP         COM | COMMON STOCK | 68902V107 |  | 3657 | 40 | SH |  | SOLE |  | 40 | 0 | 0 |
| PNC FINL SVCS GROUP INC     COM | COMMON STOCK | 693475105 |  | 948588 | 4721 | SH |  | SOLE |  | 4121 | 300 | 300 |
| PNC FINL SVCS GROUP INC     COM | COMMON STOCK | 693475105 |  | 602789 | 3000 | SH |  | DFND |  | 200 | 2800 | 0 |
| PPG INDS INC                COM | COMMON STOCK | 693506107 |  | 36788 | 350 | SH |  | SOLE |  | 350 | 0 | 0 |
| PPG INDS INC                COM | COMMON STOCK | 693506107 |  | 41098 | 391 | SH |  | DFND |  | 0 | 391 | 0 |
| PPL CORP COM | COMMON STOCK | 69351T106 |  | 792330 | 21328 | SH |  | SOLE |  | 18780 | 2048 | 500 |
| PPL CORP COM | COMMON STOCK | 69351T106 |  | 7430 | 200 | SH |  | DFND |  | 0 | 200 | 0 |
| PALO ALTO NETWORKS INC      COM | COMMON STOCK | 697435105 |  | 190993 | 938 | SH |  | SOLE |  | 938 | 0 | 0 |
| PAYCHEX INC                 COM | COMMON STOCK | 704326107 |  | 40055 | 316 | SH |  | SOLE |  | 316 | 0 | 0 |
| PAYPAL HLDGS INC            COM | COMMON STOCK | 70450Y103 |  | 165965 | 2475 | SH |  | SOLE |  | 2425 | 50 | 0 |
| PAYPAL HLDGS INC            COM | COMMON STOCK | 70450Y103 |  | 53648 | 800 | SH |  | DFND |  | 500 | 300 | 0 |
| PEOPLES FINL SVCS CORP | COMMON STOCK | 711040105 |  | 8381810 | 172430 | SH |  | SOLE |  | 45869 | 27544 | 99017 |
| PEOPLES FINL SVCS CORP | COMMON STOCK | 711040105 |  | 771829 | 15878 | SH |  | DFND |  | 1500 | 14378 | 0 |
| PEPSICO INC                 COM | COMMON STOCK | 713448108 |  | 1069718 | 7617 | SH |  | SOLE |  | 7317 | 300 | 0 |
| PEPSICO INC                 COM | COMMON STOCK | 713448108 |  | 189452 | 1349 | SH |  | DFND |  | 699 | 650 | 0 |
| PFIZER INC                  COM | COMMON STOCK | 717081103 |  | 636870 | 25005 | SH |  | SOLE |  | 24505 | 500 | 0 |
| PFIZER INC                  COM | COMMON STOCK | 717081103 |  | 386885 | 15190 | SH |  | DFND |  | 1170 | 14020 | 0 |
| PHILIP MORRIS INTL INC | COMMON STOCK | 718172109 |  | 283687 | 1749 | SH |  | SOLE |  | 1749 | 0 | 0 |
| PHILIP MORRIS INTL INC | COMMON STOCK | 718172109 |  | 460648 | 2840 | SH |  | DFND |  | 240 | 2600 | 0 |
| PHILLIPS 66 | COMMON STOCK | 718546104 |  | 418261 | 3075 | SH |  | SOLE |  | 3075 | 0 | 0 |
| PHILLIPS 66 | COMMON STOCK | 718546104 |  | 136020 | 1000 | SH |  | DFND |  | 0 | 1000 | 0 |
| PROCTER  GAMBLE CO         COM | COMMON STOCK | 742718109 |  | 2886600 | 18787 | SH |  | SOLE |  | 17595 | 992 | 200 |
| PROCTER  GAMBLE CO         COM | COMMON STOCK | 742718109 |  | 1703975 | 11090 | SH |  | DFND |  | 878 | 9912 | 300 |
| PROLOGIS INC.               COM | COMMON STOCK | 74340W103 |  | 69055 | 603 | SH |  | SOLE |  | 603 | 0 | 0 |
| PRUDENTIAL FINANCIAL INC | COMMON STOCK | 744320102 |  | 32366 | 312 | SH |  | SOLE |  | 312 | 0 | 0 |
| PUBLIC SVC ENTERPRISE GROUP COM | COMMON STOCK | 744573106 |  | 22032 | 264 | SH |  | SOLE |  | 264 | 0 | 0 |
| PUBLIC SVC ENTERPRISE GROUP COM | COMMON STOCK | 744573106 |  | 33384 | 400 | SH |  | DFND |  | 0 | 400 | 0 |
| PULTE GROUP INC. | COMMON STOCK | 745867101 |  | 84298 | 638 | SH |  | SOLE |  | 638 | 0 | 0 |
| QUALCOMM INC                COM | COMMON STOCK | 747525103 |  | 1316392 | 7913 | SH |  | SOLE |  | 7913 | 0 | 0 |
| QUALCOMM INC                COM | COMMON STOCK | 747525103 |  | 212108 | 1275 | SH |  | DFND |  | 985 | 290 | 0 |
| RAYTHEON TECHNOLOGIES CORP  COM | COMMON STOCK | 75513E101 |  | 213176 | 1274 | SH |  | SOLE |  | 1274 | 0 | 0 |
| RAYTHEON TECHNOLOGIES CORP  COM | COMMON STOCK | 75513E101 |  | 920315 | 5500 | SH |  | DFND |  | 0 | 5500 | 0 |
| REGIONS FINANCIAL CORP NEW | COMMON STOCK | 7591EP100 |  | 15025 | 570 | SH |  | SOLE |  | 570 | 0 | 0 |
| SHELL PLC                   SPON ADS | COMMON STOCK | 780259305 |  | 225319 | 3150 | SH |  | DFND |  | 0 | 3150 | 0 |
| GOLD TRUST | MUTUAL FUNDS-ETF EQUITIES | 78463V107 |  | 177730 | 500 | SH |  | SOLE |  | 500 | 0 | 0 |
| SPDR INDEX SHS FDS          S INTL ETF | MUTUAL FUNDS-ETF EQUITIES | 78463X772 |  | 34159 | 800 | SH |  | SOLE |  | 800 | 0 | 0 |
| SANOFI AVENTIS              SPONSORED ADR | FOREIGN EQUITIES | 80105N105 |  | 9440 | 200 | SH |  | SOLE |  | 200 | 0 | 0 |
| SCHLUMBERGER LTD            COM | COMMON STOCK | 806857108 |  | 106996 | 3114 | SH |  | SOLE |  | 2414 | 300 | 400 |
| SCHLUMBERGER LTD            COM | COMMON STOCK | 806857108 |  | 7353 | 214 | SH |  | DFND |  | 0 | 214 | 0 |
| SCHWAB STRATEGIC TR         US BRD MKT ETF | MUTUAL FUNDS-ETF EQUITIES | 808524102 |  | 154200 | 6000 | SH |  | SOLE |  | 6000 | 0 | 0 |
| SPDR MATERIALS | MUTUAL FUNDS-ETF EQUITIES | 81369Y100 |  | 832380 | 9288 | SH |  | SOLE |  | 9288 | 0 | 0 |
| SPDR HEALTH CARE | MUTUAL FUNDS-ETF EQUITIES | 81369Y209 |  | 197619 | 1420 | SH |  | SOLE |  | 1420 | 0 | 0 |
| SPDR HEALTH CARE | MUTUAL FUNDS-ETF EQUITIES | 81369Y209 |  | 12942 | 93 | SH |  | DFND |  | 93 | 0 | 0 |
| SPDR STAPLES | MUTUAL FUNDS-ETF EQUITIES | 81369Y308 |  | 16927 | 216 | SH |  | SOLE |  | 216 | 0 | 0 |
| SPDR DISCRETIONARY | MUTUAL FUNDS-ETF EQUITIES | 81369Y407 |  | 219030 | 914 | SH |  | SOLE |  | 914 | 0 | 0 |
| SPDR DISCRETIONARY | MUTUAL FUNDS-ETF EQUITIES | 81369Y407 |  | 17973 | 75 | SH |  | DFND |  | 0 | 75 | 0 |
| SPDR ENERGY | MUTUAL FUNDS-ETF EQUITIES | 81369Y506 |  | 586512 | 6565 | SH |  | SOLE |  | 6565 | 0 | 0 |
| SPDR ENERGY | MUTUAL FUNDS-ETF EQUITIES | 81369Y506 |  | 49136 | 550 | SH |  | DFND |  | 225 | 325 | 0 |
| SPDR FINANCIALS | MUTUAL FUNDS-ETF EQUITIES | 81369Y605 |  | 232835 | 4323 | SH |  | SOLE |  | 4323 | 0 | 0 |
| SPDR FINANCIALS | MUTUAL FUNDS-ETF EQUITIES | 81369Y605 |  | 26930 | 500 | SH |  | DFND |  | 0 | 500 | 0 |
| SPDR INDUSTRIALS | MUTUAL FUNDS-ETF EQUITIES | 81369Y704 |  | 52898 | 343 | SH |  | SOLE |  | 343 | 0 | 0 |
| SPDR TECHNOLOGY | MUTUAL FUNDS-ETF EQUITIES | 81369Y803 |  | 288330 | 1023 | SH |  | SOLE |  | 1023 | 0 | 0 |
| SPDR TECHNOLOGY | MUTUAL FUNDS-ETF EQUITIES | 81369Y803 |  | 90192 | 320 | SH |  | DFND |  | 0 | 320 | 0 |
| SPDR COMMUNICATION | MUTUAL FUNDS-ETF EQUITIES | 81369Y852 |  | 908954 | 7679 | SH |  | SOLE |  | 7679 | 0 | 0 |
| SPDR COMMUNICATION | MUTUAL FUNDS-ETF EQUITIES | 81369Y852 |  | 11837 | 100 | SH |  | DFND |  | 0 | 100 | 0 |
| SPDR REAL ESTATE | MUTUAL FUNDS-ETF EQUITIES | 81369Y860 |  | 84554 | 2007 | SH |  | SOLE |  | 2007 | 0 | 0 |
| SPDR UTILITIES | MUTUAL FUNDS-ETF EQUITIES | 81369Y886 |  | 1524683 | 17483 | SH |  | SOLE |  | 17483 | 0 | 0 |
| SOLVENTUM CORP              COM SHS | COMMON STOCK | 83444M101 |  | 6351 | 87 | SH |  | SOLE |  | 37 | 50 | 0 |
| SOUTHERN CO                 COM | COMMON STOCK | 842587107 |  | 864482 | 9122 | SH |  | SOLE |  | 8572 | 200 | 350 |
| SOUTHERN CO                 COM | COMMON STOCK | 842587107 |  | 851034 | 8980 | SH |  | DFND |  | 200 | 8780 | 0 |
| SPROTT ASSET MANAGEMENT LP  PHYSICAL SILVER | COMMON STOCK | 85207K107 |  | 78500 | 5000 | SH |  | DFND |  | 0 | 5000 | 0 |
| STARBUCKS CORP              COM | COMMON STOCK | 855244109 |  | 176644 | 2088 | SH |  | SOLE |  | 2088 | 0 | 0 |
| STARBUCKS CORP              COM | COMMON STOCK | 855244109 |  | 225459 | 2665 | SH |  | DFND |  | 0 | 2665 | 0 |
| STATE STR CORP              COM | COMMON STOCK | 857477103 |  | 231899 | 1999 | SH |  | SOLE |  | 1999 | 0 | 0 |
| STATE STR CORP              COM | COMMON STOCK | 857477103 |  | 22041 | 190 | SH |  | DFND |  | 0 | 190 | 0 |
| SUNCOR ENERGY INC NEW       COM | FOREIGN EQUITIES | 867224107 |  | 38171 | 913 | SH |  | SOLE |  | 913 | 0 | 0 |
| SYNCHRONY FINANCIAL         COM | COMMON STOCK | 87165B103 |  | 17760 | 250 | SH |  | SOLE |  | 250 | 0 | 0 |
| SYSCO CORP                  COM | COMMON STOCK | 871829107 |  | 107288 | 1303 | SH |  | SOLE |  | 453 | 850 | 0 |
| SYSCO CORP                  COM | COMMON STOCK | 871829107 |  | 26266 | 319 | SH |  | DFND |  | 0 | 319 | 0 |
| TJX COMPANIES | COMMON STOCK | 872540109 |  | 28908 | 200 | SH |  | SOLE |  | 0 | 0 | 200 |
| TARGET CORP | COMMON STOCK | 87612E106 |  | 292234 | 3258 | SH |  | SOLE |  | 3158 | 100 | 0 |
| TARGA RES CORP              COM | COMMON STOCK | 87612G101 |  | 33508 | 200 | SH |  | SOLE |  | 200 | 0 | 0 |
| TESLA MOTORS INC | COMMON STOCK | 88160R101 |  | 20011 | 45 | SH |  | SOLE |  | 45 | 0 | 0 |
| TEXAS INSTRS INC            COM | COMMON STOCK | 882508104 |  | 37113 | 202 | SH |  | SOLE |  | 202 | 0 | 0 |
| THERMO FISCHER SCIENTIFIC | COMMON STOCK | 883556102 |  | 272087 | 561 | SH |  | SOLE |  | 561 | 0 | 0 |
| 3M CO | COMMON STOCK | 88579Y101 |  | 448775 | 2892 | SH |  | SOLE |  | 2492 | 400 | 0 |
| TRACTOR SUPPLY CO           COM | COMMON STOCK | 892356106 |  | 20184 | 355 | SH |  | SOLE |  | 355 | 0 | 0 |
| TRAVELERS COMPANIES INC     COM | COMMON STOCK | 89417E109 |  | 86275 | 309 | SH |  | SOLE |  | 309 | 0 | 0 |
| TRUIST FINL CORP            COM | COMMON STOCK | 89832Q109 |  | 25968 | 568 | SH |  | SOLE |  | 568 | 0 | 0 |
| US BANCORP DEL | COMMON STOCK | 902973304 |  | 258847 | 5356 | SH |  | SOLE |  | 5256 | 100 | 0 |
| US BANCORP DEL | COMMON STOCK | 902973304 |  | 38664 | 800 | SH |  | DFND |  | 800 | 0 | 0 |
| UNION PAC CORP              COM | COMMON STOCK | 907818108 |  | 202332 | 856 | SH |  | SOLE |  | 856 | 0 | 0 |
| UNION PAC CORP              COM | COMMON STOCK | 907818108 |  | 520014 | 2200 | SH |  | DFND |  | 0 | 2200 | 0 |
| UNITED PARCEL SERVICE INC   CL B | COMMON STOCK | 911312106 |  | 274388 | 3285 | SH |  | SOLE |  | 3093 | 0 | 192 |
| UNITED PARCEL SERVICE INC   CL B | COMMON STOCK | 911312106 |  | 53876 | 645 | SH |  | DFND |  | 100 | 545 | 0 |
| VANECK VECTORS ETF TR       GOLD MINERS ETF | COMMON STOCK | 92189F106 |  | 106960 | 1400 | SH |  | DFND |  | 0 | 1400 | 0 |
| VANGUARD TOTAL INTL STOCK   VG TL INTL STK F | MUTUAL FUNDS-ETF EQUITIES | 921909768 |  | 931484 | 12682 | SH |  | SOLE |  | 12682 | 0 | 0 |
| VANGUARD TOTAL INTL STOCK   VG TL INTL STK F | MUTUAL FUNDS-ETF EQUITIES | 921909768 |  | 39735 | 541 | SH |  | DFND |  | 290 | 251 | 0 |
| VANGUARD B SHORT TERM BOND | MUTUAL FUNDS-ETF FIXED INCOME | 921937827 |  | 49312 | 625 | SH |  | DFND |  | 0 | 625 | 0 |
| VANGUARD BD INDEX FD INC    TOTAL BD MARKET | MUTUAL FUNDS-ETF FIXED INCOME | 921937835 |  | 46035 | 619 | SH |  | DFND |  | 0 | 619 | 0 |
| VANGUARD FTSE DEVELOPED     MARKET ETF | MUTUAL FUNDS-ETF EQUITIES | 921943858 |  | 1840142 | 30710 | SH |  | SOLE |  | 30710 | 0 | 0 |
| VANGUARD INFORMATION TECH   ETF | MUTUAL FUNDS-ETF EQUITIES | 92204A702 |  | 147832 | 198 | SH |  | SOLE |  | 198 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX FALLWRLD EX US | MUTUAL FUNDS-ETF EQUITIES | 922042775 |  | 8563 | 120 | SH |  | SOLE |  | 120 | 0 | 0 |
| VANGUARD EMERGING MARKETS   ETF | MUTUAL FUNDS-ETF EQUITIES | 922042858 |  | 940668 | 17362 | SH |  | SOLE |  | 17362 | 0 | 0 |
| VANGUARD EMERGING MARKETS   ETF | MUTUAL FUNDS-ETF EQUITIES | 922042858 |  | 16091 | 297 | SH |  | DFND |  | 297 | 0 | 0 |
| VANGUARD 500 INDEX FUND | MUTUAL FUNDS-ETF EQUITIES | 922908363 |  | 1014097 | 1656 | SH |  | SOLE |  | 1656 | 0 | 0 |
| VANGUARD 500 INDEX FUND | MUTUAL FUNDS-ETF EQUITIES | 922908363 |  | 86344 | 141 | SH |  | DFND |  | 0 | 141 | 0 |
| VANGUARD INDEX FDS          MCAP VL IDXVIP | MUTUAL FUNDS-ETF EQUITIES | 922908512 |  | 12046 | 69 | SH |  | SOLE |  | 69 | 0 | 0 |
| VANGUARD REAL ESTATE | COMMON STOCK | 922908553 |  | 1004052 | 10983 | SH |  | SOLE |  | 10716 | 0 | 267 |
| VANGUARD REAL ESTATE | COMMON STOCK | 922908553 |  | 128444 | 1405 | SH |  | DFND |  | 718 | 687 | 0 |
| VANGUARD MID CAP ETF | MUTUAL FUNDS-ETF EQUITIES | 922908629 |  | 2573940 | 8763 | SH |  | SOLE |  | 8763 | 0 | 0 |
| VANGUARD MID CAP ETF | MUTUAL FUNDS-ETF EQUITIES | 922908629 |  | 147156 | 501 | SH |  | DFND |  | 102 | 399 | 0 |
| VANGUARD INDEX FDS          EXTEND MKT ETF | MUTUAL FUNDS-ETF EQUITIES | 922908652 |  | 182960 | 874 | SH |  | SOLE |  | 874 | 0 | 0 |
| VANGUARD GROWTH ETF | MUTUAL FUNDS-ETF EQUITIES | 922908736 |  | 667122 | 1391 | SH |  | SOLE |  | 1391 | 0 | 0 |
| VANGUARD VALUE ETF | MUTUAL FUNDS-ETF EQUITIES | 922908744 |  | 586323 | 3144 | SH |  | SOLE |  | 3144 | 0 | 0 |
| VANGUARD SMALL CAP ETF | MUTUAL FUNDS-ETF EQUITIES | 922908751 |  | 2220358 | 8732 | SH |  | SOLE |  | 8732 | 0 | 0 |
| VANGUARD SMALL CAP ETF | MUTUAL FUNDS-ETF EQUITIES | 922908751 |  | 137055 | 539 | SH |  | DFND |  | 294 | 245 | 0 |
| VERALTO CORP                COM SHS | COMMON STOCK | 92338C103 |  | 2771 | 26 | SH |  | DFND |  | 0 | 26 | 0 |
| VERIZON COMMUNICATIONS      COM | COMMON STOCK | 92343V104 |  | 1393451 | 31706 | SH |  | SOLE |  | 29641 | 1665 | 400 |
| VERIZON COMMUNICATIONS      COM | COMMON STOCK | 92343V104 |  | 332830 | 7573 | SH |  | DFND |  | 1538 | 4535 | 1500 |
| VIATRIS INC                 COM | COMMON STOCK | 92556V106 |  | 1087 | 110 | SH |  | SOLE |  | 86 | 24 | 0 |
| VIATRIS INC                 COM | COMMON STOCK | 92556V106 |  | 5026 | 508 | SH |  | DFND |  | 0 | 446 | 62 |
| VISA CLASS A | COMMON STOCK | 92826C839 |  | 395996 | 1160 | SH |  | SOLE |  | 1110 | 50 | 0 |
| VISA CLASS A | COMMON STOCK | 92826C839 |  | 245110 | 718 | SH |  | DFND |  | 193 | 525 | 0 |
| VIRTUS CONVERTABLE  INCOME COM | MUTUAL FUNDS-ETF FIXED INCOME | 92838X805 |  | 10605 | 707 | SH |  | SOLE |  | 707 | 0 | 0 |
| VODAFONE GROUP PLC | FOREIGN EQUITIES | 92857W308 |  | 130589 | 11258 | SH |  | SOLE |  | 11258 | 0 | 0 |
| VODAFONE GROUP PLC | FOREIGN EQUITIES | 92857W308 |  | 161750 | 13944 | SH |  | DFND |  | 12854 | 1090 | 0 |
| WEC ENERGY GROUP INC        COM | COMMON STOCK | 92939U106 |  | 37356 | 326 | SH |  | SOLE |  | 326 | 0 | 0 |
| WABTEC CORP                 COM | COMMON STOCK | 929740108 |  | 400 | 2 | SH |  | SOLE |  | 2 | 0 | 0 |
| WABTEC CORP                 COM | COMMON STOCK | 929740108 |  | 1803 | 9 | SH |  | DFND |  | 0 | 9 | 0 |
| WAL MART STORES INC         COM | COMMON STOCK | 931142103 |  | 851578 | 8263 | SH |  | SOLE |  | 7363 | 900 | 0 |
| WAL MART STORES INC         COM | COMMON STOCK | 931142103 |  | 206120 | 2000 | SH |  | DFND |  | 2000 | 0 | 0 |
| WARNER BROS DISCOVERY INC   COM SER A | COMMON STOCK | 934423104 |  | 15145 | 776 | SH |  | SOLE |  | 740 | 36 | 0 |
| WARNER BROS DISCOVERY INC   COM SER A | COMMON STOCK | 934423104 |  | 1405 | 72 | SH |  | DFND |  | 0 | 72 | 0 |
| WASTE MANAGEMENT INC NEW | COMMON STOCK | 94106L109 |  | 464615 | 2104 | SH |  | SOLE |  | 2104 | 0 | 0 |
| WELLS FARGO  CO NEW        COM | COMMON STOCK | 949746101 |  | 842448 | 10052 | SH |  | SOLE |  | 9952 | 100 | 0 |
| WELLS FARGO  CO NEW        COM | COMMON STOCK | 949746101 |  | 101996 | 1217 | SH |  | DFND |  | 617 | 600 | 0 |
| WEYERHAEUSER CO             COM | COMMON STOCK | 962166104 |  | 52801 | 2130 | SH |  | SOLE |  | 1430 | 700 | 0 |
| XCEL ENERGY INC | COMMON STOCK | 98389B100 |  | 274210 | 3400 | SH |  | SOLE |  | 3400 | 0 | 0 |
| XYLEM INC | COMMON STOCK | 98419M100 |  | 469638 | 3184 | SH |  | SOLE |  | 3184 | 0 | 0 |
| XYLEM INC | COMMON STOCK | 98419M100 |  | 146467 | 993 | SH |  | DFND |  | 993 | 0 | 0 |
| YUM BRANDS INC | COMMON STOCK | 988498101 |  | 24320 | 160 | SH |  | SOLE |  | 160 | 0 | 0 |
| YUM CHINA HLDGS INC         COM | COMMON STOCK | 98850P109 |  | 6865 | 160 | SH |  | SOLE |  | 160 | 0 | 0 |
| ZIMMER HLDGS INC            COM | COMMON STOCK | 98956P102 |  | 7880 | 80 | SH |  | SOLE |  | 80 | 0 | 0 |
| ZOETIS INC                  CL A | COMMON STOCK | 98978V103 |  | 50332 | 344 | SH |  | SOLE |  | 344 | 0 | 0 |

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