# EDGAR Filing Document

**Accession Number:** 0001013272
**File Stem:** 0000950123-23-000181
**Filing Date:** 2023-1
**Character Count:** 43870
**Document Hash:** a2fc77b64160e8a2443c73f3f5812b1f
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000950123-23-000181.hdr.sgml**: 20230113

**ACCESSION NUMBER**: 0000950123-23-000181

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230113

**DATE AS OF CHANGE**: 20230113

**EFFECTIVENESS DATE**: 20230113

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** NORWOOD FINANCIAL CORP
- **CENTRAL INDEX KEY:** 0001013272
- **STANDARD INDUSTRIAL CLASSIFICATION:** STATE COMMERCIAL BANKS [6022]
- **IRS NUMBER:** 232828306
- **STATE OF INCORPORATION:** PA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-21652
- **FILM NUMBER:** 23527627

**BUSINESS ADDRESS:**
- **STREET 1:** 717 MAIN ST
- **STREET 2:** PO BOX 269
- **CITY:** HONESDALE
- **STATE:** PA
- **ZIP:** 18431
- **BUSINESS PHONE:** 7172531455

**MAIL ADDRESS:**
- **STREET 1:** 717 MAIN ST
- **STREET 2:** PO BOX 269
- **CITY:** HONESDALE
- **STATE:** PA
- **ZIP:** 18431

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2022

**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:** Norwood Financial Corp<br>**Address:** 717 Main St<br>PO Box 269<br>Honesdale, PA 18431

**Form 13F File Number:** 028-21652

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:** Diane Wylam Esq.<br>**Title:** Senior Vice President and Senior Trust Officer<br>**Phone:** (570) 253-8506

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

/s/ Diane Wylam Esq.  Honesdale, PA  01-13-2023<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:** 906388

**Form 13F Information Table Value Total:** $63495289

      (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 |
| AXALTA COATING SYS LTD | FOREIGN EQUITIES | G0750C108 |  | 2546 | 100 | SH |  | SOLE |  | 100 | 0 | 0 |
| ACCENTURE PLC IRELAND SHS CLASS A | COMMON STOCK | G1151C101 |  | 33616 | 126 | SH |  | SOLE |  | 126 | 0 | 0 |
| FTAI AVIATION LTD SHS | COMMON STOCK | G3730V105 |  | 5133 | 300 | SH |  | SOLE |  | 300 | 0 | 0 |
| LINDE PLC | FOREIGN EQUITIES | G5494J103 |  | 65234 | 200 | SH |  | DFND |  | 200 | 0 | 0 |
| MEDTRONIC PLC SHS | FOREIGN EQUITIES | G5960L103 |  | 23316 | 300 | SH |  | SOLE |  | 300 | 0 | 0 |
| MEDTRONIC PLC SHS | FOREIGN EQUITIES | G5960L103 |  | 9715 | 125 | SH |  | DFND |  | 125 | 0 | 0 |
| NORWEGIAN CRUISE LINE HLDG LSHS | FOREIGN EQUITIES | G66721104 |  | 1224 | 100 | SH |  | SOLE |  | 100 | 0 | 0 |
| CHUBB LIMITED COM | FOREIGN EQUITIES | H1467J104 |  | 110300 | 500 | SH |  | SOLE |  | 500 | 0 | 0 |
| ITURAN LOCATION  CONTROL   LTD | FOREIGN EQUITIES | M6158M104 |  | 2112 | 100 | SH |  | DFND |  | 100 | 0 | 0 |
| LYONDELLBASELL INDUSTRIES N SHS - A - | FOREIGN EQUITIES | N53745100 |  | 188054 | 2265 | SH |  | SOLE |  | 2265 | 0 | 0 |
| LYONDELLBASELL INDUSTRIES N SHS - A - | FOREIGN EQUITIES | N53745100 |  | 8303 | 100 | SH |  | DFND |  | 100 | 0 | 0 |
| ROYAL CARIBBEAN CRUISES LTD | FOREIGN EQUITIES | V7780T103 |  | 1730 | 35 | SH |  | SOLE |  | 35 | 0 | 0 |
| AFLAC INC. | COMMON STOCK | 001055102 |  | 43164 | 600 | SH |  | DFND |  | 600 | 0 | 0 |
| AT INC | COMMON STOCK | 00206R102 |  | 176160 | 9574 | SH |  | SOLE |  | 9574 | 0 | 0 |
| AT INC | COMMON STOCK | 00206R102 |  | 80977 | 4401 | SH |  | DFND |  | 2697 | 1704 | 0 |
| ARK ETF TR INNOVATION ETF | ETF/EQUITIES | 00214Q104 |  | 1561 | 50 | SH |  | DFND |  | 50 | 0 | 0 |
| ARK ETF TR ARK SPACE EXPL | ETF/EQUITIES | 00214Q807 |  | 1239 | 100 | SH |  | DFND |  | 100 | 0 | 0 |
| ABBOTT LABS | COMMON STOCK | 002824100 |  | 770175 | 7015 | SH |  | SOLE |  | 7015 | 0 | 0 |
| ABBOTT LABS | COMMON STOCK | 002824100 |  | 60384 | 550 | SH |  | DFND |  | 550 | 0 | 0 |
| ABBVIE INC | COMMON STOCK | 00287Y109 |  | 1224995 | 7580 | SH |  | SOLE |  | 7580 | 0 | 0 |
| ABBVIE INC | COMMON STOCK | 00287Y109 |  | 96966 | 600 | SH |  | DFND |  | 600 | 0 | 0 |
| AIR PRODUCTS  CHEMICALS INC | COMMON STOCK | 009158106 |  | 61652 | 200 | SH |  | DFND |  | 200 | 0 | 0 |
| ALCOA CORP | COMMON STOCK | 013872106 |  | 7956 | 175 | SH |  | SOLE |  | 175 | 0 | 0 |
| ALLETE INC | COMMON STOCK | 018522300 |  | 16127 | 250 | SH |  | DFND |  | 250 | 0 | 0 |
| ALPHABET INC USD.001 | COMMON STOCK | 02079K107 |  | 8873 | 100 | SH |  | SOLE |  | 100 | 0 | 0 |
| ALPHABET INC USD.001 | COMMON STOCK | 02079K305 |  | 82936 | 940 | SH |  | SOLE |  | 940 | 0 | 0 |
| ALTRIA GROUP INC. | COMMON STOCK | 02209S103 |  | 59867 | 1310 | SH |  | SOLE |  | 1310 | 0 | 0 |
| AMEREN CORP | COMMON STOCK | 023608102 |  | 51040 | 574 | SH |  | DFND |  | 574 | 0 | 0 |
| AMERICAN ELEC PWR INC | COMMON STOCK | 025537101 |  | 94949 | 1000 | SH |  | SOLE |  | 1000 | 0 | 0 |
| AMERICAN ELEC PWR INC | COMMON STOCK | 025537101 |  | 18420 | 194 | SH |  | DFND |  | 194 | 0 | 0 |
| AMERIPRISE FINL INC | COMMON STOCK | 03076C106 |  | 7784 | 25 | SH |  | SOLE |  | 25 | 0 | 0 |
| AMGEN INC | COMMON STOCK | 031162100 |  | 32828 | 125 | SH |  | SOLE |  | 125 | 0 | 0 |
| ANALOG DEVICES INC | COMMON STOCK | 032654105 |  | 586402 | 3575 | SH |  | SOLE |  | 3575 | 0 | 0 |
| ANALOG DEVICES INC | COMMON STOCK | 032654105 |  | 57410 | 350 | SH |  | DFND |  | 350 | 0 | 0 |
| ELEVANCE HEALTH INC | COMMON STOCK | 036752103 |  | 12824 | 25 | SH |  | SOLE |  | 25 | 0 | 0 |
| APA CORPORATION | COMMON STOCK | 03743Q108 |  | 9336 | 200 | SH |  | DFND |  | 200 | 0 | 0 |
| APPLE INCORPORATED | COMMON STOCK | 037833100 |  | 997201 | 7675 | SH |  | SOLE |  | 7675 | 0 | 0 |
| APPLIED MATERIALS INC | COMMON STOCK | 038222105 |  | 767641 | 7883 | SH |  | SOLE |  | 7883 | 0 | 0 |
| APPLIED MATERIALS INC | COMMON STOCK | 038222105 |  | 333039 | 3420 | SH |  | DFND |  | 3420 | 0 | 0 |
| ARCONIC CORPORATION | COMMON STOCK | 03966V107 |  | 1586 | 75 | SH |  | DFND |  | 75 | 0 | 0 |
| AUTOMATIC DATA PROCESSING   INC | COMMON STOCK | 053015103 |  | 5971 | 25 | SH |  | SOLE |  | 25 | 0 | 0 |
| AVERY DENNISON CORP. | COMMON STOCK | 053611109 |  | 325800 | 1800 | SH |  | SOLE |  | 1800 | 0 | 0 |
| AVERY DENNISON CORP. | COMMON STOCK | 053611109 |  | 104075 | 575 | SH |  | DFND |  | 575 | 0 | 0 |
| BP PLC SPONSORED ADR | FOREIGN EQUITIES | 055622104 |  | 62695 | 1795 | SH |  | SOLE |  | 1795 | 0 | 0 |
| BANK OF AMERICA CORPORATION | COMMON STOCK | 060505104 |  | 48437 | 1463 | SH |  | SOLE |  | 1463 | 0 | 0 |
| BANK OF AMERICA CORPORATION | COMMON STOCK | 060505104 |  | 39201 | 1184 | SH |  | DFND |  | 1184 | 0 | 0 |
| BANK NEW YORK MELLON CORP | COMMON STOCK | 064058100 |  | 53394 | 1173 | SH |  | SOLE |  | 1173 | 0 | 0 |
| BANK NEW YORK MELLON CORP | COMMON STOCK | 064058100 |  | 12335 | 271 | SH |  | DFND |  | 271 | 0 | 0 |
| BARRICK GOLD CORP | FOREIGN EQUITIES | 067901108 |  | 8590 | 500 | SH |  | DFND |  | 500 | 0 | 0 |
| BAXTER INTL INC | COMMON STOCK | 071813109 |  | 12742 | 250 | SH |  | SOLE |  | 250 | 0 | 0 |
| BED BATH  BEYOND | COMMON STOCK | 075896100 |  | 250 | 100 | SH |  | DFND |  | 100 | 0 | 0 |
| BERKSHIRE HATHAWAY B | COMMON STOCK | 084670702 |  | 935300 | 3028 | SH |  | SOLE |  | 3028 | 0 | 0 |
| BERKSHIRE HATHAWAY B | COMMON STOCK | 084670702 |  | 55598 | 180 | SH |  | DFND |  | 180 | 0 | 0 |
| BEST BUY INC | COMMON STOCK | 086516101 |  | 16042 | 200 | SH |  | SOLE |  | 200 | 0 | 0 |
| BHP BILLITON LIMITED | FOREIGN EQUITIES | 088606108 |  | 18612 | 300 | SH |  | DFND |  | 300 | 0 | 0 |
| BIOGEN IDEC INC | COMMON STOCK | 09062X103 |  | 112145 | 405 | SH |  | SOLE |  | 405 | 0 | 0 |
| BLACKROCK INC | COMMON STOCK | 09247X101 |  | 83615 | 118 | SH |  | SOLE |  | 118 | 0 | 0 |
| BRISTOL MYERS SQUIBB CO | COMMON STOCK | 110122108 |  | 102525 | 1425 | SH |  | SOLE |  | 1425 | 0 | 0 |
| BRISTOL MYERS SQUIBB CO | COMMON STOCK | 110122108 |  | 26981 | 375 | SH |  | DFND |  | 375 | 0 | 0 |
| BROADCOM INC | COMMON STOCK | 11135F101 |  | 41934 | 75 | SH |  | SOLE |  | 75 | 0 | 0 |
| C H ROBINSON WORLDWIDE INC | COMMON STOCK | 12541W209 |  | 66838 | 730 | SH |  | SOLE |  | 730 | 0 | 0 |
| C H ROBINSON WORLDWIDE INC | COMMON STOCK | 12541W209 |  | 2289 | 25 | SH |  | DFND |  | 25 | 0 | 0 |
| CVS HEALTH CORP | COMMON STOCK | 126650100 |  | 256266 | 2750 | SH |  | SOLE |  | 2750 | 0 | 0 |
| CVS HEALTH CORP | COMMON STOCK | 126650100 |  | 140716 | 1510 | SH |  | DFND |  | 1510 | 0 | 0 |
| CAPITAL ONE FINL CORP | COMMON STOCK | 14040H105 |  | 120382 | 1295 | SH |  | SOLE |  | 1295 | 0 | 0 |
| CARDINAL HEALTH INC | COMMON STOCK | 14149Y108 |  | 149508 | 1945 | SH |  | SOLE |  | 1945 | 0 | 0 |
| CARDINAL HEALTH INC | COMMON STOCK | 14149Y108 |  | 7687 | 100 | SH |  | DFND |  | 100 | 0 | 0 |
| CARNIVAL CORP | COMMON STOCK | 143658300 |  | 2418 | 300 | SH |  | SOLE |  | 300 | 0 | 0 |
| CARRIER GLOBAL CORPORATION | COMMON STOCK | 14448C104 |  | 32999 | 800 | SH |  | SOLE |  | 800 | 0 | 0 |
| CARRIER GLOBAL CORPORATION | COMMON STOCK | 14448C104 |  | 4125 | 100 | SH |  | DFND |  | 100 | 0 | 0 |
| CATERPILLAR INC | COMMON STOCK | 149123101 |  | 855225 | 3570 | SH |  | SOLE |  | 3570 | 0 | 0 |
| CATERPILLAR INC | COMMON STOCK | 149123101 |  | 83846 | 350 | SH |  | DFND |  | 350 | 0 | 0 |
| CELANESE CORP DEL | COMMON STOCK | 150870103 |  | 118083 | 1155 | SH |  | SOLE |  | 1155 | 0 | 0 |
| CHEVRON CORPORATION | COMMON STOCK | 166764100 |  | 144485 | 805 | SH |  | SOLE |  | 805 | 0 | 0 |
| CHEVRON CORPORATION | COMMON STOCK | 166764100 |  | 8974 | 50 | SH |  | DFND |  | 50 | 0 | 0 |
| CHURCH  DWIGHT INC | COMMON STOCK | 171340102 |  | 8061 | 100 | SH |  | SOLE |  | 100 | 0 | 0 |
| CISCO SYS INC | COMMON STOCK | 17275R102 |  | 463620 | 9734 | SH |  | SOLE |  | 9734 | 0 | 0 |
| CISCO SYS INC | COMMON STOCK | 17275R102 |  | 71445 | 1500 | SH |  | DFND |  | 1500 | 0 | 0 |
| CINTAS CORP | COMMON STOCK | 172908105 |  | 450247 | 997 | SH |  | SOLE |  | 997 | 0 | 0 |
| CINTAS CORP | COMMON STOCK | 172908105 |  | 331932 | 735 | SH |  | DFND |  | 735 | 0 | 0 |
| CITIGROUP INC | COMMON STOCK | 172967424 |  | 32557 | 720 | SH |  | SOLE |  | 720 | 0 | 0 |
| CITIGROUP INC | COMMON STOCK | 172967424 |  | 3346 | 74 | SH |  | DFND |  | 74 | 0 | 0 |
| COCA COLA CO | COMMON STOCK | 191216100 |  | 375932 | 5910 | SH |  | SOLE |  | 5910 | 0 | 0 |
| COCA COLA CO | COMMON STOCK | 191216100 |  | 84283 | 1325 | SH |  | DFND |  | 1325 | 0 | 0 |
| COLGATE PALMOLIVE | COMMON STOCK | 194162103 |  | 68939 | 875 | SH |  | SOLE |  | 875 | 0 | 0 |
| COMCAST CORP. CLASS A | COMMON STOCK | 20030N101 |  | 15736 | 450 | SH |  | SOLE |  | 450 | 0 | 0 |
| COMPASS DIVERSIFIED HOLDINGS SHARES | PARTNERSHIPS | 20451Q104 |  | 14576 | 800 | SH |  | DFND |  | 800 | 0 | 0 |
| CONOCOPHILLIPS | COMMON STOCK | 20825C104 |  | 138060 | 1170 | SH |  | SOLE |  | 1170 | 0 | 0 |
| CONOCOPHILLIPS | COMMON STOCK | 20825C104 |  | 98530 | 835 | SH |  | DFND |  | 835 | 0 | 0 |
| CONSOLIDATED EDISON INC | COMMON STOCK | 209115104 |  | 221592 | 2325 | SH |  | SOLE |  | 2325 | 0 | 0 |
| CONSOLIDATED EDISON INC | COMMON STOCK | 209115104 |  | 86064 | 903 | SH |  | DFND |  | 903 | 0 | 0 |
| CONSTELLATION ENERGY CORP | COMMON STOCK | 21037T109 |  | 32930 | 382 | SH |  | SOLE |  | 382 | 0 | 0 |
| CONSTELLATION ENERGY CORP | COMMON STOCK | 21037T109 |  | 27587 | 320 | SH |  | DFND |  | 320 | 0 | 0 |
| CORNING INC | COMMON STOCK | 219350105 |  | 6386 | 200 | SH |  | DFND |  | 200 | 0 | 0 |
| COSTCO WHSL CORP NEW | COMMON STOCK | 22160K105 |  | 6847 | 15 | SH |  | SOLE |  | 15 | 0 | 0 |
| COWEN INC CL A NEW | COMMON STOCK | 223622606 |  | 7722 | 200 | SH |  | SOLE |  | 200 | 0 | 0 |
| CRACKER BARREL OLD CTRY STOR | COMMON STOCK | 22410J106 |  | 4737 | 50 | SH |  | DFND |  | 50 | 0 | 0 |
| CUMMINS INC | COMMON STOCK | 231021106 |  | 324661 | 1340 | SH |  | SOLE |  | 1340 | 0 | 0 |
| CUMMINS INC | COMMON STOCK | 231021106 |  | 6057 | 25 | SH |  | DFND |  | 25 | 0 | 0 |
| DARDEN RESTAURANTS INC | COMMON STOCK | 237194105 |  | 41499 | 300 | SH |  | SOLE |  | 300 | 0 | 0 |
| DARDEN RESTAURANTS INC | COMMON STOCK | 237194105 |  | 13833 | 100 | SH |  | DFND |  | 100 | 0 | 0 |
| DEERE  CO. | COMMON STOCK | 244199105 |  | 557387 | 1300 | SH |  | SOLE |  | 1300 | 0 | 0 |
| DEERE  CO. | COMMON STOCK | 244199105 |  | 23581 | 55 | SH |  | DFND |  | 55 | 0 | 0 |
| DISCOVER FINL SVCS | COMMON STOCK | 254709108 |  | 57228 | 585 | SH |  | SOLE |  | 585 | 0 | 0 |
| DOW INC | COMMON STOCK | 260557103 |  | 49974 | 992 | SH |  | SOLE |  | 992 | 0 | 0 |
| DOW INC | COMMON STOCK | 260557103 |  | 8564 | 170 | SH |  | DFND |  | 170 | 0 | 0 |
| DUPONT DE NEMOURS INC | COMMON STOCK | 26614N102 |  | 11667 | 170 | SH |  | DFND |  | 170 | 0 | 0 |
| ETF SER SOLUTIONS US GLB JETS | ETF/EQUITIES | 26922A842 |  | 4694 | 275 | SH |  | SOLE |  | 275 | 0 | 0 |
| EMERSON ELEC CO | COMMON STOCK | 291011104 |  | 310271 | 3230 | SH |  | SOLE |  | 3230 | 0 | 0 |
| EMERSON ELEC CO | COMMON STOCK | 291011104 |  | 12007 | 125 | SH |  | DFND |  | 125 | 0 | 0 |
| ENBRIDGE INC | FOREIGN EQUITIES | 29250N105 |  | 3830 | 98 | SH |  | DFND |  | 98 | 0 | 0 |
| ENTERGY CORP NEW | COMMON STOCK | 29364G103 |  | 23625 | 210 | SH |  | DFND |  | 210 | 0 | 0 |
| ENTERPRISE PRODS PARTNERS L | PARTNERSHIPS | 293792107 |  | 9499 | 394 | SH |  | DFND |  | 394 | 0 | 0 |
| ESSENTIAL UTILS INC | COMMON STOCK | 29670G102 |  | 8351 | 175 | SH |  | SOLE |  | 175 | 0 | 0 |
| ESSENTIAL UTILS INC | COMMON STOCK | 29670G102 |  | 9544 | 200 | SH |  | DFND |  | 200 | 0 | 0 |
| EXELON CORP | COMMON STOCK | 30161N101 |  | 49703 | 1150 | SH |  | SOLE |  | 1150 | 0 | 0 |
| EXELON CORP | COMMON STOCK | 30161N101 |  | 45813 | 1060 | SH |  | DFND |  | 1060 | 0 | 0 |
| F ANNUITIES  LIFE INC | COMMON STOCK | 30190A104 |  | 2360 | 118 | SH |  | SOLE |  | 118 | 0 | 0 |
| F ANNUITIES  LIFE INC | COMMON STOCK | 30190A104 |  | 480 | 24 | SH |  | DFND |  | 24 | 0 | 0 |
| EXXON MOBIL CORP | COMMON STOCK | 30231G102 |  | 273543 | 2480 | SH |  | SOLE |  | 2480 | 0 | 0 |
| EXXON MOBIL CORP | COMMON STOCK | 30231G102 |  | 992700 | 9000 | SH |  | DFND |  | 9000 | 0 | 0 |
| META PLATFORMS INC. | COMMON STOCK | 30303M102 |  | 46930 | 390 | SH |  | SOLE |  | 390 | 0 | 0 |
| FASTENAL CO | COMMON STOCK | 311900104 |  | 90362 | 1910 | SH |  | SOLE |  | 1910 | 0 | 0 |
| FASTENAL CO | COMMON STOCK | 311900104 |  | 21289 | 450 | SH |  | DFND |  | 450 | 0 | 0 |
| FEDEX CORP | COMMON STOCK | 31428X106 |  | 158478 | 915 | SH |  | SOLE |  | 915 | 0 | 0 |
| FIDELITY NATIONAL FINANCIAL FNF GROUP | COMMON STOCK | 31620R303 |  | 71457 | 1900 | SH |  | SOLE |  | 1900 | 0 | 0 |
| FIDELITY NATIONAL FINANCIAL FNF GROUP | COMMON STOCK | 31620R303 |  | 14103 | 375 | SH |  | DFND |  | 375 | 0 | 0 |
| FIFTH THIRD BANCORP | COMMON STOCK | 316773100 |  | 3280 | 100 | SH |  | SOLE |  | 100 | 0 | 0 |
| FISERV INC. | COMMON STOCK | 337738108 |  | 123810 | 1225 | SH |  | SOLE |  | 1225 | 0 | 0 |
| FISERV INC. | COMMON STOCK | 337738108 |  | 141498 | 1400 | SH |  | DFND |  | 1400 | 0 | 0 |
| FISKER INC CL A COM STK | COMMON STOCK | 33813J106 |  | 1454 | 200 | SH |  | DFND |  | 200 | 0 | 0 |
| FORD MTR CO DEL COM PAR $0.01 | COMMON STOCK | 345370860 |  | 51752 | 4450 | SH |  | SOLE |  | 4450 | 0 | 0 |
| FORD MTR CO DEL COM PAR $0.01 | COMMON STOCK | 345370860 |  | 7559 | 650 | SH |  | DFND |  | 650 | 0 | 0 |
| FORTIS INC | FOREIGN EQUITIES | 349553107 |  | 4484 | 112 | SH |  | DFND |  | 112 | 0 | 0 |
| FREEPORT-MCMORAN INC. | COMMON STOCK | 35671D857 |  | 11400 | 300 | SH |  | DFND |  | 300 | 0 | 0 |
| FULTON FINANCIAL CORP | COMMON STOCK | 360271100 |  | 10092 | 600 | SH |  | DFND |  | 600 | 0 | 0 |
| GENERAL DYNAMICS CORP | COMMON STOCK | 369550108 |  | 31013 | 125 | SH |  | SOLE |  | 125 | 0 | 0 |
| GENERAL ELECTRIC CO | COMMON STOCK | 369604301 |  | 12564 | 150 | SH |  | SOLE |  | 150 | 0 | 0 |
| GENERAL MILLS INC | COMMON STOCK | 370334104 |  | 137593 | 1641 | SH |  | SOLE |  | 1641 | 0 | 0 |
| GENERAL MILLS INC | COMMON STOCK | 370334104 |  | 9642 | 115 | SH |  | DFND |  | 115 | 0 | 0 |
| GENERAL MOTORS | COMMON STOCK | 37045V100 |  | 10089 | 300 | SH |  | SOLE |  | 300 | 0 | 0 |
| GENTEX CORP | COMMON STOCK | 371901109 |  | 13635 | 500 | SH |  | DFND |  | 500 | 0 | 0 |
| GILEAD SCIENCES INC | COMMON STOCK | 375558103 |  | 63527 | 740 | SH |  | SOLE |  | 740 | 0 | 0 |
| GSK PLC SPONSORED ADR | COMMON STOCK | 37733W204 |  | 30103 | 857 | SH |  | SOLE |  | 857 | 0 | 0 |
| GSK PLC SPONSORED ADR | COMMON STOCK | 37733W204 |  | 2810 | 80 | SH |  | DFND |  | 80 | 0 | 0 |
| GODADDY INC CL A | COMMON STOCK | 380237107 |  | 22443 | 300 | SH |  | SOLE |  | 300 | 0 | 0 |
| GOLDMAN SACHS GROUP | COMMON STOCK | 38141G104 |  | 51506 | 150 | SH |  | SOLE |  | 150 | 0 | 0 |
| GUESS INC | COMMON STOCK | 401617105 |  | 2068 | 100 | SH |  | DFND |  | 100 | 0 | 0 |
| HP INC | COMMON STOCK | 40434L105 |  | 89120 | 3318 | SH |  | SOLE |  | 3318 | 0 | 0 |
| HP INC | COMMON STOCK | 40434L105 |  | 21488 | 800 | SH |  | DFND |  | 800 | 0 | 0 |
| HALEON PLC  SPON ADS | COMMON STOCK | 405552100 |  | 6120 | 765 | SH |  | SOLE |  | 765 | 0 | 0 |
| HALEON PLC SPON ADS | COMMON STOCK | 405552100 |  | 800 | 100 | SH |  | DFND |  | 100 | 0 | 0 |
| HARLEY-DAVIDSON | COMMON STOCK | 412822108 |  | 8318 | 200 | SH |  | SOLE |  | 200 | 0 | 0 |
| HARLEY-DAVIDSON | COMMON STOCK | 412822108 |  | 41590 | 1000 | SH |  | DFND |  | 1000 | 0 | 0 |
| HARTFORD FINL SVCS GROUP INC | COMMON STOCK | 416515104 |  | 22748 | 300 | SH |  | SOLE |  | 300 | 0 | 0 |
| HERSHEY CO | COMMON STOCK | 427866108 |  | 5789 | 25 | SH |  | SOLE |  | 25 | 0 | 0 |
| HEWLETT PACKARD ENTERPRISE C | COMMON STOCK | 42824C109 |  | 7182 | 450 | SH |  | DFND |  | 450 | 0 | 0 |
| HOME DEPOT INC | COMMON STOCK | 437076102 |  | 341748 | 1082 | SH |  | SOLE |  | 1082 | 0 | 0 |
| HOWMET AEROSPACE INC | COMMON STOCK | 443201108 |  | 11820 | 300 | SH |  | DFND |  | 300 | 0 | 0 |
| HUNTINGTON BANCSHARES INC | COMMON STOCK | 446150104 |  | 2820 | 200 | SH |  | DFND |  | 200 | 0 | 0 |
| ILLINOIS TOOL WORKS INC | COMMON STOCK | 452308109 |  | 663759 | 3013 | SH |  | SOLE |  | 3013 | 0 | 0 |
| ILLINOIS TOOL WORKS INC | COMMON STOCK | 452308109 |  | 131078 | 595 | SH |  | DFND |  | 595 | 0 | 0 |
| INTEL CORP | COMMON STOCK | 458140100 |  | 370404 | 14015 | SH |  | SOLE |  | 14015 | 0 | 0 |
| INTEL CORP | COMMON STOCK | 458140100 |  | 16518 | 625 | SH |  | DFND |  | 625 | 0 | 0 |
| INTERNATIONAL BUSINESS MACHS | COMMON STOCK | 459200101 |  | 544671 | 3866 | SH |  | SOLE |  | 3866 | 0 | 0 |
| INTERNATIONAL BUSINESS MACHS | COMMON STOCK | 459200101 |  | 7044 | 50 | SH |  | DFND |  | 50 | 0 | 0 |
| INTERNATIONAL PAPER CO | COMMON STOCK | 460146103 |  | 88299 | 2550 | SH |  | SOLE |  | 2550 | 0 | 0 |
| INTERPUBLIC GROUP COS INC | COMMON STOCK | 460690100 |  | 71761 | 2155 | SH |  | SOLE |  | 2155 | 0 | 0 |
| INTERPUBLIC GROUP COS INC | COMMON STOCK | 460690100 |  | 16650 | 500 | SH |  | DFND |  | 500 | 0 | 0 |
| ISHARES GOLD TR NPV | ETF/EQUITIES | 464285204 |  | 9926 | 287 | SH |  | SOLE |  | 287 | 0 | 0 |
| ISHARES GOLD TR NPV | ETF/EQUITIES | 464285204 |  | 1764 | 51 | SH |  | DFND |  | 51 | 0 | 0 |
| ISHARES MORNINGSTAR GROWTH ETF | ETF/EQUITIES | 464287119 |  | 53061 | 1090 | SH |  | SOLE |  | 1090 | 0 | 0 |
| ISHARES US TRANSPORTATION ETF | ETF/EQUITIES | 464287192 |  | 21355 | 100 | SH |  | SOLE |  | 100 | 0 | 0 |
| ISHARES TRUST MSCI | ETF/EQUITIES | 464287234 |  | 14928 | 394 | SH |  | SOLE |  | 394 | 0 | 0 |
| ISHARES TR MSCI EAFE ETF | ETF/EQUITIES | 464287465 |  | 20670 | 315 | SH |  | SOLE |  | 315 | 0 | 0 |
| ISHARES TR RUS MDCP VAL ETF | ETF/EQUITIES | 464287473 |  | 25280 | 240 | SH |  | SOLE |  | 240 | 0 | 0 |
| ISHARES TR  RUS MID CAP ETF | ETF/EQUITIES | 464287499 |  | 100160 | 1485 | SH |  | SOLE |  | 1485 | 0 | 0 |
| ISHARES NORTH AMERICAN TECHNOLOGY ETF | ETF/EQUITIES | 464287549 |  | 129080 | 461 | SH |  | SOLE |  | 461 | 0 | 0 |
| ISHARES TR  RUS 1000 VAL ETF | ETF/EQUITIES | 464287598 |  | 4549 | 30 | SH |  | SOLE |  | 30 | 0 | 0 |
| ISHARES S MIDCAP 400 GROWTH ETF | ETF/EQUITIES | 464287606 |  | 590968 | 8654 | SH |  | SOLE |  | 8654 | 0 | 0 |
| ISHARES S MIDCAP 400 GROWTH ETF | ETF/EQUITIES | 464287606 |  | 2458 | 36 | SH |  | DFND |  | 36 | 0 | 0 |
| ISHARES RUSSELL 2000 VAL ETF | ETF/EQUITIES | 464287630 |  | 227686 | 1642 | SH |  | SOLE |  | 1642 | 0 | 0 |
| ISHARES RUSSELL 2000 VAL ETF | ETF/EQUITIES | 464287630 |  | 27733 | 200 | SH |  | DFND |  | 200 | 0 | 0 |
| ISHARES TR RUS 2000 GRW ETF | ETF/EQUITIES | 464287648 |  | 26814 | 125 | SH |  | SOLE |  | 125 | 0 | 0 |
| ISHARES TR RUSSELL 2000 ETF | ETF/EQUITIES | 464287655 |  | 30161 | 173 | SH |  | SOLE |  | 173 | 0 | 0 |
| ISHARES US UTILS ETF | ETF/EQUITIES | 464287697 |  | 7787 | 90 | SH |  | SOLE |  | 90 | 0 | 0 |
| ISHARES S MIDCAP 400 VALUE INDEX | ETF/EQUITIES | 464287705 |  | 363078 | 3602 | SH |  | SOLE |  | 3602 | 0 | 0 |
| ISHARES S MIDCAP 400 VALUE INDEX | ETF/EQUITIES | 464287705 |  | 10080 | 100 | SH |  | DFND |  | 100 | 0 | 0 |
| ISHARES DOW JONES TECHNOLOGY | ETF/EQUITIES | 464287721 |  | 205736 | 2762 | SH |  | SOLE |  | 2762 | 0 | 0 |
| ISHARES TRUST ETF | ETF/EQUITIES | 464287754 |  | 144205 | 1495 | SH |  | SOLE |  | 1495 | 0 | 0 |
| DOW JONES US ENERGY SECTOR | ETF/EQUITIES | 464287796 |  | 86001 | 1850 | SH |  | SOLE |  | 1850 | 0 | 0 |
| ISHARES TR CORE S SCP ETF | ETF/EQUITIES | 464287804 |  | 198257 | 2095 | SH |  | SOLE |  | 2095 | 0 | 0 |
| ISHARES S 600 SMALL CAP GROWTH ETF | ETF/EQUITIES | 464287887 |  | 1318111 | 12197 | SH |  | SOLE |  | 12197 | 0 | 0 |
| ISHARES S 600 SMALL CAP GROWTH ETF | ETF/EQUITIES | 464287887 |  | 543590 | 5030 | SH |  | DFND |  | 5030 | 0 | 0 |
| ISHARES MSCI KLD 400 SOCIAL INDEX FUND | ETF/EQUITIES | 464288570 |  | 93327 | 1300 | SH |  | DFND |  | 1300 | 0 | 0 |
| ISHARES TR INTRM GOV CR ETF | ETF/FIXED INCOME | 464288612 |  | 25102 | 245 | SH |  | SOLE |  | 245 | 0 | 0 |
| ISHARES TR CORE HIGH DV ETF | ETF/EQUITIES | 46429B663 |  | 3752 | 36 | SH |  | SOLE |  | 36 | 0 | 0 |
| ISHARES TR CORE MSCI EAFE | ETF/EQUITIES | 46432F842 |  | 12326 | 200 | SH |  | SOLE |  | 200 | 0 | 0 |
| JPMORGAN CHASE  CO | COMMON STOCK | 46625H100 |  | 195515 | 1458 | SH |  | SOLE |  | 1458 | 0 | 0 |
| JPMORGAN CHASE  CO | COMMON STOCK | 46625H100 |  | 80460 | 600 | SH |  | DFND |  | 600 | 0 | 0 |
| JOHNSON  JOHNSON | COMMON STOCK | 478160104 |  | 995943 | 5638 | SH |  | SOLE |  | 5638 | 0 | 0 |
| JOHNSON  JOHNSON | COMMON STOCK | 478160104 |  | 390217 | 2209 | SH |  | DFND |  | 2209 | 0 | 0 |
| KELLOGG CO | COMMON STOCK | 487836108 |  | 19591 | 275 | SH |  | SOLE |  | 275 | 0 | 0 |
| KEYCORP NEW | COMMON STOCK | 493267108 |  | 1741 | 100 | SH |  | SOLE |  | 100 | 0 | 0 |
| KEYCORP NEW | COMMON STOCK | 493267108 |  | 5831 | 335 | SH |  | DFND |  | 335 | 0 | 0 |
| KIMBERLY CLARK CORP | COMMON STOCK | 494368103 |  | 13575 | 100 | SH |  | SOLE |  | 100 | 0 | 0 |
| KOHL'S CORP. | COMMON STOCK | 500255104 |  | 20199 | 800 | SH |  | SOLE |  | 800 | 0 | 0 |
| KOHL'S CORP. | COMMON STOCK | 500255104 |  | 2525 | 100 | SH |  | DFND |  | 100 | 0 | 0 |
| KRAFT HEINZ CO | COMMON STOCK | 500754106 |  | 4070 | 100 | SH |  | DFND |  | 100 | 0 | 0 |
| KROGER CO | COMMON STOCK | 501044101 |  | 14929 | 335 | SH |  | SOLE |  | 335 | 0 | 0 |
| LAM RESEARCH CORP | COMMON STOCK | 512807108 |  | 36141 | 86 | SH |  | SOLE |  | 86 | 0 | 0 |
| LILLY ELI  CO | COMMON STOCK | 532457108 |  | 93285 | 255 | SH |  | SOLE |  | 255 | 0 | 0 |
| LLOYDS BNKING GRP PLC ADR | COMMON STOCK | 539439109 |  | 451 | 205 | SH |  | DFND |  | 205 | 0 | 0 |
| LOCKHEED MARTIN CORP | COMMON STOCK | 539830109 |  | 335668 | 690 | SH |  | SOLE |  | 690 | 0 | 0 |
| LOWES COS INC | COMMON STOCK | 548661107 |  | 821861 | 4125 | SH |  | SOLE |  | 4125 | 0 | 0 |
| LOWES COS INC | COMMON STOCK | 548661107 |  | 199240 | 1000 | SH |  | DFND |  | 1000 | 0 | 0 |
| LUMEN TECHNOLOGIES INC | COMMON STOCK | 550241103 |  | 15660 | 3000 | SH |  | DFND |  | 3000 | 0 | 0 |
| MSC INDL DIRECT INC CL A | COMMON STOCK | 553530106 |  | 144771 | 1772 | SH |  | SOLE |  | 1772 | 0 | 0 |
| MSC INDL DIRECT INC CL A | COMMON STOCK | 553530106 |  | 61275 | 750 | SH |  | DFND |  | 750 | 0 | 0 |
| MARRIOTT INTERNATIONAL INC | COMMON STOCK | 571903202 |  | 13399 | 90 | SH |  | SOLE |  | 90 | 0 | 0 |
| MARRIOTT INTERNATIONAL INC | COMMON STOCK | 571903202 |  | 74445 | 500 | SH |  | DFND |  | 500 | 0 | 0 |
| MCCORMICK  CO INC | COMMON STOCK | 579780206 |  | 8288 | 100 | SH |  | SOLE |  | 100 | 0 | 0 |
| MCCORMICK  CO INC | COMMON STOCK | 579780206 |  | 41440 | 500 | SH |  | DFND |  | 500 | 0 | 0 |
| MCDONALDS CORP | COMMON STOCK | 580135101 |  | 26352 | 100 | SH |  | DFND |  | 100 | 0 | 0 |
| MERCK  CO INC NEW | COMMON STOCK | 58933Y105 |  | 334511 | 3015 | SH |  | SOLE |  | 3015 | 0 | 0 |
| MERCK  CO INC NEW | COMMON STOCK | 58933Y105 |  | 126926 | 1144 | SH |  | DFND |  | 1144 | 0 | 0 |
| METLIFE INC. | COMMON STOCK | 59156R108 |  | 83730 | 1157 | SH |  | SOLE |  | 1157 | 0 | 0 |
| MICROSOFT CORP | COMMON STOCK | 594918104 |  | 1302215 | 5430 | SH |  | SOLE |  | 5430 | 0 | 0 |
| MICROSOFT CORP | COMMON STOCK | 594918104 |  | 280589 | 1170 | SH |  | DFND |  | 1170 | 0 | 0 |
| MICRON TECHNOLOGY INC | COMMON STOCK | 595112103 |  | 56963 | 1140 | SH |  | SOLE |  | 1140 | 0 | 0 |
| MICRON TECHNOLOGY INC | COMMON STOCK | 595112103 |  | 4997 | 100 | SH |  | DFND |  | 100 | 0 | 0 |
| MOSAIC CO NEW | COMMON STOCK | 61945C103 |  | 4386 | 100 | SH |  | DFND |  | 100 | 0 | 0 |
| MOTOROLA SOLUTIONS INC. | COMMON STOCK | 620076307 |  | 10823 | 42 | SH |  | DFND |  | 42 | 0 | 0 |
| NEXTERA ENERGY INC | COMMON STOCK | 65339F101 |  | 312664 | 3740 | SH |  | DFND |  | 3740 | 0 | 0 |
| NIKE INC CL B | COMMON STOCK | 654106103 |  | 67279 | 575 | SH |  | SOLE |  | 575 | 0 | 0 |
| NOKIA CORP SPONSORED ADR | FOREIGN EQUITIES | 654902204 |  | 913 | 197 | SH |  | DFND |  | 107 | 90 | 0 |
| NORFOLK SOUTHERN CORP. | COMMON STOCK | 655844108 |  | 12321 | 50 | SH |  | SOLE |  | 50 | 0 | 0 |
| NORTHROP GRUMMAN CORP | COMMON STOCK | 666807102 |  | 141856 | 260 | SH |  | SOLE |  | 260 | 0 | 0 |
| NORWOOD FINANCIAL CORP | COMMON STOCK | 669549107 |  | 7053990 | 211008 | SH |  | SOLE |  | 211008 | 0 | 0 |
| NORWOOD FINANCIAL CORP | COMMON STOCK | 669549107 |  | 6255052 | 187109 | SH |  | DFND |  | 3045 | 184064 | 0 |
| NUCOR CORP | COMMON STOCK | 670346105 |  | 220778 | 1675 | SH |  | SOLE |  | 1675 | 0 | 0 |
| NUCOR CORP | COMMON STOCK | 670346105 |  | 46133 | 350 | SH |  | DFND |  | 350 | 0 | 0 |
| OCCIDENTAL PETROLEUM CORP. | COMMON STOCK | 674599105 |  | 29919 | 475 | SH |  | SOLE |  | 475 | 0 | 0 |
| OCCIDENTAL PETROLEUM CORP. | COMMON STOCK | 674599105 |  | 3149 | 50 | SH |  | DFND |  | 50 | 0 | 0 |
| OCCIDENTAL PETE CORP W EXP 99/99/9999 | WARRANTS  RIGHTS | 674599162 |  | 5273 | 128 | SH |  | SOLE |  | 128 | 0 | 0 |
| OCCIDENTAL PETE CORP W EXP 99/99/9999 | WARRANTS  RIGHTS | 674599162 |  | 741 | 18 | SH |  | DFND |  | 18 | 0 | 0 |
| OCEANFIRST FINANCIAL CORP | COMMON STOCK | 675234108 |  | 46750 | 2200 | SH |  | DFND |  | 2200 | 0 | 0 |
| OLD REP INTL CORP | COMMON STOCK | 680223104 |  | 20519 | 850 | SH |  | SOLE |  | 850 | 0 | 0 |
| OLIN CORP | COMMON STOCK | 680665205 |  | 5293 | 100 | SH |  | DFND |  | 100 | 0 | 0 |
| OMNICOM GROUP INC | COMMON STOCK | 681919106 |  | 107659 | 1320 | SH |  | SOLE |  | 1320 | 0 | 0 |
| ORACLE CORP | COMMON STOCK | 68389X105 |  | 417282 | 5105 | SH |  | SOLE |  | 5105 | 0 | 0 |
| ORACLE CORP | COMMON STOCK | 68389X105 |  | 196176 | 2400 | SH |  | DFND |  | 2400 | 0 | 0 |
| ORGANON  CO | COMMON STOCK | 68622V106 |  | 8373 | 300 | SH |  | SOLE |  | 300 | 0 | 0 |
| ORGANON  CO | COMMON STOCK | 68622V106 |  | 2903 | 104 | SH |  | DFND |  | 104 | 0 | 0 |
| OTIS WORLDWIDE CORP | COMMON STOCK | 68902V107 |  | 29754 | 380 | SH |  | SOLE |  | 380 | 0 | 0 |
| OTIS WORLDWIDE CORP | COMMON STOCK | 68902V107 |  | 3915 | 50 | SH |  | DFND |  | 50 | 0 | 0 |
| PNC FINL SVCS GROUP INC | COMMON STOCK | 693475105 |  | 46117 | 292 | SH |  | SOLE |  | 292 | 0 | 0 |
| PPL CORP | COMMON STOCK | 69351T106 |  | 182699 | 6255 | SH |  | SOLE |  | 6255 | 0 | 0 |
| PPL CORP | COMMON STOCK | 69351T106 |  | 96393 | 3300 | SH |  | DFND |  | 3300 | 0 | 0 |
| PACCAR INC | COMMON STOCK | 693718108 |  | 14845 | 150 | SH |  | SOLE |  | 150 | 0 | 0 |
| PAYCHEX INC | COMMON STOCK | 704326107 |  | 11556 | 100 | SH |  | SOLE |  | 100 | 0 | 0 |
| PEPSICO INC | COMMON STOCK | 713448108 |  | 357704 | 1980 | SH |  | SOLE |  | 1980 | 0 | 0 |
| PEPSICO INC | COMMON STOCK | 713448108 |  | 119957 | 664 | SH |  | DFND |  | 664 | 0 | 0 |
| PERKIN ELMER | COMMON STOCK | 714046109 |  | 239775 | 1710 | SH |  | SOLE |  | 1710 | 0 | 0 |
| PERKIN ELMER | COMMON STOCK | 714046109 |  | 65903 | 470 | SH |  | DFND |  | 470 | 0 | 0 |
| PFIZER INC | COMMON STOCK | 717081103 |  | 654688 | 12777 | SH |  | SOLE |  | 12777 | 0 | 0 |
| PFIZER INC | COMMON STOCK | 717081103 |  | 77423 | 1511 | SH |  | DFND |  | 1511 | 0 | 0 |
| PHILIP MORRIS INTL INC | COMMON STOCK | 718172109 |  | 73478 | 726 | SH |  | SOLE |  | 726 | 0 | 0 |
| PHILLIPS 66 | COMMON STOCK | 718546104 |  | 36948 | 355 | SH |  | SOLE |  | 355 | 0 | 0 |
| PROCTER  GAMBLE CO | COMMON STOCK | 742718109 |  | 405421 | 2675 | SH |  | SOLE |  | 2675 | 0 | 0 |
| PROCTER  GAMBLE CO | COMMON STOCK | 742718109 |  | 45468 | 300 | SH |  | DFND |  | 300 | 0 | 0 |
| PRUDENTIAL FINL INC | COMMON STOCK | 744320102 |  | 7459 | 75 | SH |  | SOLE |  | 75 | 0 | 0 |
| PUBLIC SVC ENTERPRISE GROUP | COMMON STOCK | 744573106 |  | 37374 | 610 | SH |  | SOLE |  | 610 | 0 | 0 |
| PUBLIC SVC ENTERPRISE GROUP | COMMON STOCK | 744573106 |  | 17645 | 288 | SH |  | DFND |  | 288 | 0 | 0 |
| QUALCOMM INC | COMMON STOCK | 747525103 |  | 28034 | 255 | SH |  | SOLE |  | 255 | 0 | 0 |
| QUEST DIAGNOSTICS INC. | COMMON STOCK | 74834L100 |  | 68051 | 435 | SH |  | SOLE |  | 435 | 0 | 0 |
| RMR GROUP INC CL A | COMMON STOCK | 74967R106 |  | 3107 | 110 | SH |  | DFND |  | 110 | 0 | 0 |
| RPM INTL INC | COMMON STOCK | 749685103 |  | 36543 | 375 | SH |  | SOLE |  | 375 | 0 | 0 |
| RAYTHEON TECHNOLOGIES CORP | COMMON STOCK | 75513E101 |  | 41377 | 410 | SH |  | SOLE |  | 410 | 0 | 0 |
| RAYTHEON TECHNOLOGIES CORP | COMMON STOCK | 75513E101 |  | 5046 | 50 | SH |  | DFND |  | 50 | 0 | 0 |
| REGIONS FINANCIAL CORP NEW | COMMON STOCK | 7591EP100 |  | 2155 | 100 | SH |  | SOLE |  | 100 | 0 | 0 |
| RIO TINTO PLC SPONSORED ADR | COMMON STOCK | 767204100 |  | 14240 | 200 | SH |  | DFND |  | 200 | 0 | 0 |
| SPDR S 500 ETF TRUST | ETF/EQUITIES | 78462F103 |  | 306695 | 802 | SH |  | SOLE |  | 802 | 0 | 0 |
| SPDR S 500 ETF TRUST | ETF/EQUITIES | 78462F103 |  | 56215 | 147 | SH |  | DFND |  | 147 | 0 | 0 |
| SPDR GOLD TRUST | ETF/EQUITIES | 78463V107 |  | 28836 | 170 | SH |  | SOLE |  | 170 | 0 | 0 |
| SPDR SER TR S TRANSN ETF | ETF/EQUITIES | 78464A532 |  | 13440 | 200 | SH |  | SOLE |  | 200 | 0 | 0 |
| SPDR S BIOTECH ETF | ETF/EQUITIES | 78464A870 |  | 20750 | 250 | SH |  | SOLE |  | 250 | 0 | 0 |
| SPDR S MID CAP 400 ETF | ETF/EQUITIES | 78467Y107 |  | 25237 | 57 | SH |  | SOLE |  | 57 | 0 | 0 |
| SPDR SER TR S OILGAS EXP | ETF/EQUITIES | 78468R556 |  | 11956 | 88 | SH |  | SOLE |  | 88 | 0 | 0 |
| SAN JUAN BASIN RTY TR UNIT BEN INT | COMMON STOCK | 798241105 |  | 3448 | 302 | SH |  | DFND |  | 302 | 0 | 0 |
| SCHLUMBERGER LTD COM | FOREIGN EQUITIES | 806857108 |  | 17371 | 325 | SH |  | SOLE |  | 325 | 0 | 0 |
| SELECT SECTOR SPDR FUND MATERIALS | ETF/EQUITIES | 81369Y100 |  | 95697 | 1232 | SH |  | SOLE |  | 1232 | 0 | 0 |
| SELECT SECTOR SPDR FUND MATERIALS | ETF/EQUITIES | 81369Y100 |  | 9710 | 125 | SH |  | DFND |  | 125 | 0 | 0 |
| SELECT SECTOR SPDR TR SBI HEALTHCARE | ETF/EQUITIES | 81369Y209 |  | 832743 | 6130 | SH |  | SOLE |  | 6130 | 0 | 0 |
| SELECT SECTOR SPDR TR SBI HEALTHCARE | ETF/EQUITIES | 81369Y209 |  | 41433 | 305 | SH |  | DFND |  | 305 | 0 | 0 |
| SELECT SECTOR SPDR TR SBI CONS STPLS | ETF/EQUITIES | 81369Y308 |  | 302624 | 4060 | SH |  | SOLE |  | 4060 | 0 | 0 |
| SELECT SECTOR SPDR TR SBI CONS STPLS | ETF/EQUITIES | 81369Y308 |  | 13789 | 185 | SH |  | DFND |  | 185 | 0 | 0 |
| CONSUMER DISCRETIONARY SELECT SECTOR SPDR | ETF/EQUITIES | 81369Y407 |  | 337225 | 2611 | SH |  | SOLE |  | 2611 | 0 | 0 |
| CONSUMER DISCRETIONARY SELECT SECTOR SPDR | ETF/EQUITIES | 81369Y407 |  | 2583 | 20 | SH |  | DFND |  | 20 | 0 | 0 |
| SELECT SECTOR SPDRFUND ENERGY | ETF/EQUITIES | 81369Y506 |  | 157878 | 1805 | SH |  | SOLE |  | 1805 | 0 | 0 |
| SELECT SECTOR SPDRFUND ENERGY | ETF/EQUITIES | 81369Y506 |  | 9184 | 105 | SH |  | DFND |  | 105 | 0 | 0 |
| FINANCIAL SELECT SPDR | ETF/EQUITIES | 81369Y605 |  | 141246 | 4130 | SH |  | SOLE |  | 4130 | 0 | 0 |
| SELECT SECTOR SPDR TR TECHNOLOGY | ETF/EQUITIES | 81369Y803 |  | 610732 | 4908 | SH |  | SOLE |  | 4908 | 0 | 0 |
| SELECT SECTOR SPDR TR TECHNOLOGY | ETF/EQUITIES | 81369Y803 |  | 12444 | 100 | SH |  | DFND |  | 100 | 0 | 0 |
| SELECT SECTOR SPDR TR COMMUNICATION | ETF/EQUITIES | 81369Y852 |  | 43902 | 915 | SH |  | SOLE |  | 915 | 0 | 0 |
| SELECT SECTOR SPDR FUND | ETF/EQUITIES | 81369Y886 |  | 18330 | 260 | SH |  | SOLE |  | 260 | 0 | 0 |
| SERVICE PPTYS TR COM SH BEN INT | COMMON STOCK | 81761L102 |  | 4133 | 567 | SH |  | DFND |  | 567 | 0 | 0 |
| SONOCO PRODS CO | COMMON STOCK | 835495102 |  | 81945 | 1350 | SH |  | SOLE |  | 1350 | 0 | 0 |
| SOUTHERN CO. | COMMON STOCK | 842587107 |  | 168147 | 2355 | SH |  | SOLE |  | 2355 | 0 | 0 |
| SOUTHERN CO. | COMMON STOCK | 842587107 |  | 128733 | 1803 | SH |  | DFND |  | 1803 | 0 | 0 |
| STARBUCKS CORP | COMMON STOCK | 855244109 |  | 115072 | 1160 | SH |  | SOLE |  | 1160 | 0 | 0 |
| STONEX GROUP INC | COMMON STOCK | 861896108 |  | 4765 | 50 | SH |  | SOLE |  | 50 | 0 | 0 |
| STRYKER CORP | COMMON STOCK | 863667101 |  | 61122 | 250 | SH |  | DFND |  | 250 | 0 | 0 |
| SUNCOR ENERGY INC NEW | FOREIGN EQUITIES | 867224107 |  | 9516 | 300 | SH |  | DFND |  | 300 | 0 | 0 |
| SYLVAMO CORP | COMMON STOCK | 871332102 |  | 4372 | 90 | SH |  | SOLE |  | 90 | 0 | 0 |
| SYNOVUS FINL CORP | COMMON STOCK | 87161C501 |  | 3754 | 100 | SH |  | SOLE |  | 100 | 0 | 0 |
| SYSCO CORP. | COMMON STOCK | 871829107 |  | 495771 | 6485 | SH |  | SOLE |  | 6485 | 0 | 0 |
| SYSCO CORP. | COMMON STOCK | 871829107 |  | 64982 | 850 | SH |  | DFND |  | 850 | 0 | 0 |
| TARGET CORP | COMMON STOCK | 87612E106 |  | 134881 | 905 | SH |  | SOLE |  | 905 | 0 | 0 |
| TARGET CORP | COMMON STOCK | 87612E106 |  | 60808 | 408 | SH |  | DFND |  | 408 | 0 | 0 |
| TESLA INC | COMMON STOCK | 88160R101 |  | 3695 | 30 | SH |  | DFND |  | 30 | 0 | 0 |
| TEVA PHARMACEUTICAL | FOREIGN EQUITIES | 881624209 |  | 456 | 50 | SH |  | DFND |  | 50 | 0 | 0 |
| THERMO FISHER SCIENTIFIC | COMMON STOCK | 883556102 |  | 89211 | 162 | SH |  | SOLE |  | 162 | 0 | 0 |
| THERMO FISHER SCIENTIFIC | COMMON STOCK | 883556102 |  | 79849 | 145 | SH |  | DFND |  | 145 | 0 | 0 |
| 3M CO | COMMON STOCK | 88579Y101 |  | 429309 | 3580 | SH |  | SOLE |  | 3580 | 0 | 0 |
| 3M CO | COMMON STOCK | 88579Y101 |  | 49766 | 415 | SH |  | DFND |  | 415 | 0 | 0 |
| TRAVELERS COMPANIES INC | COMMON STOCK | 89417E109 |  | 58121 | 310 | SH |  | SOLE |  | 310 | 0 | 0 |
| TRUIST FINL CORP | COMMON STOCK | 89832Q109 |  | 27919 | 649 | SH |  | SOLE |  | 649 | 0 | 0 |
| TRUIST FINL CORP | COMMON STOCK | 89832Q109 |  | 2151 | 50 | SH |  | DFND |  | 50 | 0 | 0 |
| UGI CORP NEW | COMMON STOCK | 902681105 |  | 10191 | 275 | SH |  | SOLE |  | 275 | 0 | 0 |
| US BANCORP | COMMON STOCK | 902973304 |  | 4361 | 100 | SH |  | SOLE |  | 100 | 0 | 0 |
| UNION PAC CORP | COMMON STOCK | 907818108 |  | 32302 | 156 | SH |  | SOLE |  | 156 | 0 | 0 |
| UNITED PARCEL SERVICE INC   CL B | COMMON STOCK | 911312106 |  | 78228 | 450 | SH |  | SOLE |  | 450 | 0 | 0 |
| UNITED PARCEL SERVICE INC   CL B | COMMON STOCK | 911312106 |  | 8692 | 50 | SH |  | DFND |  | 50 | 0 | 0 |
| US STEEL CORPORATION | COMMON STOCK | 912909108 |  | 40690 | 1625 | SH |  | SOLE |  | 1625 | 0 | 0 |
| UNITEDHEALTH GROUP INC | COMMON STOCK | 91324P102 |  | 7422 | 14 | SH |  | SOLE |  | 14 | 0 | 0 |
| V F CORP | COMMON STOCK | 918204108 |  | 2761 | 100 | SH |  | SOLE |  | 100 | 0 | 0 |
| VALERO ENERGY | COMMON STOCK | 91913Y100 |  | 2537 | 20 | SH |  | SOLE |  | 20 | 0 | 0 |
| VALERO ENERGY | COMMON STOCK | 91913Y100 |  | 12686 | 100 | SH |  | DFND |  | 100 | 0 | 0 |
| VALLEY NATIONAL BANCORP | COMMON STOCK | 919794107 |  | 35649 | 3152 | SH |  | SOLE |  | 3152 | 0 | 0 |
| VANGUARD DIVIDEND APPRECIATION ETF | ETF/EQUITIES | 921908844 |  | 990487 | 6523 | SH |  | SOLE |  | 6523 | 0 | 0 |
| VANGUARD DIVIDEND APPRECIATION ETF | ETF/EQUITIES | 921908844 |  | 126034 | 830 | SH |  | DFND |  | 830 | 0 | 0 |
| VANGUARD US MOMENTUM ETF | ETF/EQUITIES | 921935508 |  | 257535 | 2258 | SH |  | SOLE |  | 2258 | 0 | 0 |
| VANGUARD US MOMENTUM ETF | ETF/EQUITIES | 921935508 |  | 3421 | 30 | SH |  | DFND |  | 30 | 0 | 0 |
| VANGUARD TAX MANAGED INTL FDFTSE DEV MKT ETF | ETF/EQUITIES | 921943858 |  | 372513 | 8876 | SH |  | SOLE |  | 8876 | 0 | 0 |
| VANGUARD HIGH DIVIDEND YIELD ETF | ETF/EQUITIES | 921946406 |  | 579985 | 5360 | SH |  | SOLE |  | 5360 | 0 | 0 |
| VANGUARD HIGH DIVIDEND YIELD ETF | ETF/EQUITIES | 921946406 |  | 34734 | 321 | SH |  | DFND |  | 321 | 0 | 0 |
| VANGUARD ENERGY ETF | ETF/EQUITIES | 92204A306 |  | 83682 | 690 | SH |  | SOLE |  | 690 | 0 | 0 |
| VANGUARD WORLD FDS FINANCIALS ETF | ETF/EQUITIES | 92204A405 |  | 426825 | 5160 | SH |  | SOLE |  | 5160 | 0 | 0 |
| VANGUARD WORLD FDS FINANCIALS ETF | ETF/EQUITIES | 92204A405 |  | 8272 | 100 | SH |  | DFND |  | 100 | 0 | 0 |
| VANGUARD HEALTHCARE ETF | ETF/EQUITIES | 92204A504 |  | 235147 | 948 | SH |  | SOLE |  | 948 | 0 | 0 |
| VANGUARD INDUSTRIALS ETF | ETF/EQUITIES | 92204A603 |  | 264095 | 1446 | SH |  | SOLE |  | 1446 | 0 | 0 |
| VANGUARD INDUSTRIALS ETF | ETF/EQUITIES | 92204A603 |  | 20638 | 113 | SH |  | DFND |  | 113 | 0 | 0 |
| VANGUARD MATERIALS ETF | ETF/EQUITIES | 92204A801 |  | 203899 | 1198 | SH |  | SOLE |  | 1198 | 0 | 0 |
| VANGUARD MATERIALS ETF | ETF/EQUITIES | 92204A801 |  | 5276 | 31 | SH |  | DFND |  | 31 | 0 | 0 |
| VANGUARD UTILITIES ETF | ETF/EQUITIES | 92204A876 |  | 101367 | 661 | SH |  | SOLE |  | 661 | 0 | 0 |
| VANGUARD UTILITIES ETF | ETF/EQUITIES | 92204A876 |  | 9201 | 60 | SH |  | DFND |  | 60 | 0 | 0 |
| VANGUARD MSCI EMERGING MARKETS ETF | ETF/EQUITIES | 922042858 |  | 251963 | 6466 | SH |  | SOLE |  | 6466 | 0 | 0 |
| VANGUARD MSCI EMERGING MARKETS ETF | ETF/EQUITIES | 922042858 |  | 75288 | 1932 | SH |  | DFND |  | 1932 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD | ETF/FIXED INCOME | 92206C409 |  | 687946 | 9150 | SH |  | SOLE |  | 9150 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD | ETF/FIXED INCOME | 92206C409 |  | 248127 | 3300 | SH |  | DFND |  | 3300 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS INT-TERM CORP | ETF/FIXED INCOME | 92206C870 |  | 187551 | 2420 | SH |  | SOLE |  | 2420 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS INT-TERM CORP | ETF/FIXED INCOME | 92206C870 |  | 34491 | 445 | SH |  | DFND |  | 445 | 0 | 0 |
| VANGUARD INDEX FDS REIT ETF | ETF/EQUITIES | 922908553 |  | 15584 | 189 | SH |  | SOLE |  | 189 | 0 | 0 |
| VANGUARD SMALL CAP GROWTH ETF | ETF/EQUITIES | 922908595 |  | 169851 | 847 | SH |  | SOLE |  | 847 | 0 | 0 |
| VANGUARD SMALL CAP GROWTH ETF | ETF/EQUITIES | 922908595 |  | 2205 | 11 | SH |  | DFND |  | 11 | 0 | 0 |
| VANGUARD EXTENDED MID BLEND ETF | ETF/EQUITIES | 922908652 |  | 27900 | 210 | SH |  | SOLE |  | 210 | 0 | 0 |
| VANGUARD LARGE CAP GROWTH ETF | ETF/EQUITIES | 922908736 |  | 2178793 | 10224 | SH |  | SOLE |  | 10224 | 0 | 0 |
| VANGUARD LARGE CAP GROWTH ETF | ETF/EQUITIES | 922908736 |  | 49014 | 230 | SH |  | DFND |  | 230 | 0 | 0 |
| VANGUARD LARGE CAP VALUE ETF | ETF/EQUITIES | 922908744 |  | 1450826 | 10336 | SH |  | SOLE |  | 10336 | 0 | 0 |
| VANGUARD LARGE CAP VALUE ETF | ETF/EQUITIES | 922908744 |  | 35372 | 252 | SH |  | DFND |  | 252 | 0 | 0 |
| VANGUARD TOTAL STOCK MARKET ETF | ETF/EQUITIES | 922908769 |  | 465531 | 2435 | SH |  | SOLE |  | 2435 | 0 | 0 |
| VANGUARD TOTAL STOCK MARKET ETF | ETF/EQUITIES | 922908769 |  | 57355 | 300 | SH |  | DFND |  | 300 | 0 | 0 |
| VERIZON COMMUNICATIONS | COMMON STOCK | 92343V104 |  | 208363 | 5290 | SH |  | SOLE |  | 5290 | 0 | 0 |
| VERIZON COMMUNICATIONS | COMMON STOCK | 92343V104 |  | 83858 | 2129 | SH |  | DFND |  | 1649 | 480 | 0 |
| VIATRIS INC | COMMON STOCK | 92556V106 |  | 15263 | 1373 | SH |  | SOLE |  | 1373 | 0 | 0 |
| VIATRIS INC | COMMON STOCK | 92556V106 |  | 1434 | 129 | SH |  | DFND |  | 129 | 0 | 0 |
| VISA INC | COMMON STOCK | 92826C839 |  | 15582 | 75 | SH |  | SOLE |  | 75 | 0 | 0 |
| WABTEC | COMMON STOCK | 929740108 |  | 598 | 6 | SH |  | DFND |  | 6 | 0 | 0 |
| WAL MART STORES INC | COMMON STOCK | 931142103 |  | 672074 | 4740 | SH |  | SOLE |  | 4740 | 0 | 0 |
| WAL MART STORES INC | COMMON STOCK | 931142103 |  | 28358 | 200 | SH |  | DFND |  | 200 | 0 | 0 |
| WALGREENS BOOTS ALLIANCE INC | COMMON STOCK | 931427108 |  | 126462 | 3385 | SH |  | SOLE |  | 3385 | 0 | 0 |
| WARNER BROS DISCOVERY INC COM SER A | COMMON STOCK | 934423104 |  | 8045 | 849 | SH |  | SOLE |  | 849 | 0 | 0 |
| WARNER BROS DISCOVERY INC COM SER A | COMMON STOCK | 934423104 |  | 8027 | 847 | SH |  | DFND |  | 435 | 412 | 0 |
| WASTE MANAGEMENT INC | COMMON STOCK | 94106L109 |  | 141192 | 900 | SH |  | SOLE |  | 900 | 0 | 0 |
| WATTS WATER TECHNOLOGIES INC | COMMON STOCK | 942749102 |  | 51180 | 350 | SH |  | SOLE |  | 350 | 0 | 0 |
| WELLS FARGO | COMMON STOCK | 949746101 |  | 6192 | 150 | SH |  | SOLE |  | 150 | 0 | 0 |
| WELLS FARGO | COMMON STOCK | 949746101 |  | 4129 | 100 | SH |  | DFND |  | 100 | 0 | 0 |
| WESTERN DIGITAL CORP | COMMON STOCK | 958102105 |  | 3154 | 100 | SH |  | SOLE |  | 100 | 0 | 0 |
| WESTERN UNION COMMON | COMMON STOCK | 959802109 |  | 32495 | 2360 | SH |  | SOLE |  | 2360 | 0 | 0 |
| WESTERN UNION COMMON | COMMON STOCK | 959802109 |  | 5508 | 400 | SH |  | DFND |  | 400 | 0 | 0 |
| WOODSIDE ENERGY GROUP LTD   SPONSORED ADR | FOREIGN EQUITIES | 980228308 |  | 2613 | 108 | SH |  | DFND |  | 108 | 0 | 0 |
| YUM BRANDS INC | COMMON STOCK | 988498101 |  | 12808 | 100 | SH |  | DFND |  | 100 | 0 | 0 |

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