# EDGAR Filing Document

**Accession Number:** 0001785545
**File Stem:** 0001785545-25-000005
**Filing Date:** 2025-8
**Character Count:** 27169
**Document Hash:** 02f06659448e120aa94ed9e3488b8695
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001785545-25-000005.hdr.sgml**: 20250813

**ACCESSION NUMBER**: 0001785545-25-000005

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250630

**FILED AS OF DATE**: 20250813

**DATE AS OF CHANGE**: 20250813

**EFFECTIVENESS DATE**: 20250813

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** ESL Trust Services, LLC
- **CENTRAL INDEX KEY:** 0001785545

**ORGANIZATION NAME:**
- **EIN:** 815366267
- **STATE OF INCORPORATION:** NY
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-19811
- **FILM NUMBER:** 251210755

**BUSINESS ADDRESS:**
- **STREET 1:** 225 CHESTNUT STREET
- **CITY:** ROCHESTER
- **STATE:** NY
- **ZIP:** 14604
- **BUSINESS PHONE:** 5853361300

**MAIL ADDRESS:**
- **STREET 1:** 225 CHESTNUT STREET
- **CITY:** ROCHESTER
- **STATE:** NY
- **ZIP:** 14604

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 06-30-2025

**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:** ESL Trust Services LLC<br>**Address:** 225 CHESTNUT STREET<br>ROCHESTER, NY 14604

**Form 13F File Number:** 028-19811

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:** Susan M Herendeen<br>**Title:** Managing Director<br>**Phone:** 5853394325

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

Susan Herendeen  Rochester, NY  08-13-2025<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:** 229

**Form 13F Information Table Value Total:** $489449829

      (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 |
| AFLAC INC | COMMON STOCK | 001055102 |  | 421840 | 4000 | SH |  | SOLE |  | 4000 | 0 | 0 |
| AT INC | COMMON STOCK | 00206R102 |  | 108409 | 3746 | SH |  | SOLE |  | 3746 | 0 | 0 |
| ABBOTT LABORATORIES | COMMON STOCK | 002824100 |  | 193134 | 1420 | SH |  | SOLE |  | 1420 | 0 | 0 |
| ABBVIE INC SR NT | COMMON STOCK | 00287Y109 |  | 48262 | 260 | SH |  | SOLE |  | 260 | 0 | 0 |
| ADVANSIX INC COM | COMMON STOCK | 00773T101 |  | 356 | 15 | SH |  | SOLE |  | 15 | 0 | 0 |
| AGILENT TECHNOLOGIES INC | COMMON STOCK | 00846U101 |  | 29739 | 252 | SH |  | SOLE |  | 252 | 0 | 0 |
| ALLEGHENY TECHNOLOGIES INC | COMMON STOCK | 01741R102 |  | 345360 | 4000 | SH |  | SOLE |  | 4000 | 0 | 0 |
| ALLSTATE CORP | COMMON STOCK | 020002101 |  | 86966 | 432 | SH |  | SOLE |  | 432 | 0 | 0 |
| ALPHABET INC | COMMON STOCK | 02079K107 |  | 69183 | 390 | SH |  | SOLE |  | 390 | 0 | 0 |
| ALTRIA GROUP INC | COMMON STOCK | 02209S103 |  | 117260 | 2000 | SH |  | SOLE |  | 2000 | 0 | 0 |
| AMAZON COM INC | COMMON STOCK | 023135106 |  | 21939 | 100 | SH |  | SOLE |  | 100 | 0 | 0 |
| AVANTIS INTL EQ ETF | MUTUAL FUND/STO | 025072703 |  | 54360570 | 734503 | SH |  | SOLE |  | 734503 | 0 | 0 |
| AMERICAN ELECTRIC POWER INC | COMMON STOCK | 025537101 |  | 140387 | 1353 | SH |  | SOLE |  | 1353 | 0 | 0 |
| AMERICAN EXPRESS CO | COMMON STOCK | 025816109 |  | 15949 | 50 | SH |  | SOLE |  | 50 | 0 | 0 |
| CENCORA INC. | COMMON STOCK | 03073E105 |  | 299850 | 1000 | SH |  | SOLE |  | 1000 | 0 | 0 |
| AMETEK INC NEW | COMMON STOCK | 031100100 |  | 203580 | 1125 | SH |  | SOLE |  | 1125 | 0 | 0 |
| AMGEN INC | COMMON STOCK | 031162100 |  | 55842 | 200 | SH |  | SOLE |  | 200 | 0 | 0 |
| APPLE INC | COMMON STOCK | 037833100 |  | 299548 | 1460 | SH |  | SOLE |  | 1460 | 0 | 0 |
| BAKER HUGHES A GE CO | COMMON STOCK | 05722G100 |  | 9202 | 240 | SH |  | SOLE |  | 240 | 0 | 0 |
| BLACKSTONE GROUP INC | COMMON STOCK | 09260D107 |  | 224370 | 1500 | SH |  | SOLE |  | 1500 | 0 | 0 |
| BOEING CO | COMMON STOCK | 097023105 |  | 83812 | 400 | SH |  | SOLE |  | 400 | 0 | 0 |
| BRISTOL-MYERS SQUIBB CO | COMMON STOCK | 110122108 |  | 32403 | 700 | SH |  | SOLE |  | 700 | 0 | 0 |
| BROADCOM INC | COMMON STOCK | 11135F101 |  | 55130 | 200 | SH |  | SOLE |  | 200 | 0 | 0 |
| CNO FINL GROUP INC | COMMON STOCK | 12621E103 |  | 77160 | 2000 | SH |  | SOLE |  | 2000 | 0 | 0 |
| CVS HEALTH CORPORATION | COMMON STOCK | 126650100 |  | 137960 | 2000 | SH |  | SOLE |  | 2000 | 0 | 0 |
| CAPITAL ONE FINL CORP | COMMON STOCK | 14040H105 |  | 103189 | 485 | SH |  | SOLE |  | 485 | 0 | 0 |
| CARRIER GLOBAL CORPORATION | COMMON STOCK | 14448C104 |  | 109785 | 1500 | SH |  | SOLE |  | 1500 | 0 | 0 |
| CARS COM INC | COMMON STOCK | 14575E105 |  | 26674 | 2251 | SH |  | SOLE |  | 2251 | 0 | 0 |
| CHARTER COMMUNICATIONS INC | COMMON STOCK | 16119P108 |  | 20441 | 50 | SH |  | SOLE |  | 50 | 0 | 0 |
| CHEMOURS CO | COMMON STOCK | 163851108 |  | 49693 | 4340 | SH |  | SOLE |  | 4340 | 0 | 0 |
| CHEMUNG FINANCIAL CORP. | COMMON STOCK | 164024101 |  | 9694 | 200 | SH |  | SOLE |  | 200 | 0 | 0 |
| CHEVRON CORP NEW | COMMON STOCK | 166764100 |  | 229104 | 1600 | SH |  | SOLE |  | 1600 | 0 | 0 |
| CISCO SYSTEMS INC | COMMON STOCK | 17275R102 |  | 69380 | 1000 | SH |  | SOLE |  | 1000 | 0 | 0 |
| CLOROX CO | COMMON STOCK | 189054109 |  | 24014 | 200 | SH |  | SOLE |  | 200 | 0 | 0 |
| COCA COLA CO | COMMON STOCK | 191216100 |  | 569538 | 8050 | SH |  | SOLE |  | 8050 | 0 | 0 |
| COLGATE PALMOLIVE CO | COMMON STOCK | 194162103 |  | 218160 | 2400 | SH |  | SOLE |  | 2400 | 0 | 0 |
| COMCAST CORP | COMMON STOCK | 20030N101 |  | 36119 | 1012 | SH |  | SOLE |  | 1012 | 0 | 0 |
| CONSOLIDATED EDISON INC | COMMON STOCK | 209115104 |  | 247262 | 2464 | SH |  | SOLE |  | 2464 | 0 | 0 |
| CONSTELLATION BRANDS INC | COMMON STOCK | 21036P108 |  | 146412 | 900 | SH |  | SOLE |  | 900 | 0 | 0 |
| CORNING INC | COMMON STOCK | 219350105 |  | 52590 | 1000 | SH |  | SOLE |  | 1000 | 0 | 0 |
| CORTEVA INC | COMMON STOCK | 22052L104 |  | 81908 | 1099 | SH |  | SOLE |  | 1099 | 0 | 0 |
| DXC TECHNOLOGY CO COM | COMMON STOCK | 23355L106 |  | 1040 | 68 | SH |  | SOLE |  | 68 | 0 | 0 |
| DARDEN RESTAURANTS INC | COMMON STOCK | 237194105 |  | 26375 | 121 | SH |  | SOLE |  | 121 | 0 | 0 |
| DELL TECHNOLOGIES INC COM | COMMON STOCK | 24703L202 |  | 43768 | 357 | SH |  | SOLE |  | 357 | 0 | 0 |
| DIAGEO PLC | FOREIGN STOCK | 25243Q205 |  | 30252 | 300 | SH |  | SOLE |  | 300 | 0 | 0 |
| DICK'S SPORTING GOODS INC | COMMON STOCK | 253393102 |  | 9891 | 50 | SH |  | SOLE |  | 50 | 0 | 0 |
| DIGITAL REALTY TRUST INC | COMMON STOCK | 253868103 |  | 8717 | 50 | SH |  | SOLE |  | 50 | 0 | 0 |
| DISNEY WALT CO | COMMON STOCK | 254687106 |  | 10417 | 84 | SH |  | SOLE |  | 84 | 0 | 0 |
| DOMINION ENERGY INC | COMMON STOCK | 25746U109 |  | 16956 | 300 | SH |  | SOLE |  | 300 | 0 | 0 |
| DOW INC COM | COMMON STOCK | 260557103 |  | 44646 | 1686 | SH |  | SOLE |  | 1686 | 0 | 0 |
| DUKE ENERGY CORP | COMMON STOCK | 26441C204 |  | 15458 | 131 | SH |  | SOLE |  | 131 | 0 | 0 |
| DUPONT DE NEMOURS INC | COMMON STOCK | 26614N102 |  | 84160 | 1227 | SH |  | SOLE |  | 1227 | 0 | 0 |
| EASTMAN CHEMICAL CO | COMMON STOCK | 277432100 |  | 52561 | 704 | SH |  | SOLE |  | 704 | 0 | 0 |
| EMERSON ELECTRIC CO | COMMON STOCK | 291011104 |  | 346658 | 2600 | SH |  | SOLE |  | 2600 | 0 | 0 |
| ENBRIDGE INC | FOREIGN STOCK | 29250N105 |  | 8701 | 192 | SH |  | SOLE |  | 192 | 0 | 0 |
| ENERGY TRANSFER OPERATING LP | PARTNERSHIPS | 29273V100 |  | 19780 | 1091 | SH |  | SOLE |  | 1091 | 0 | 0 |
| ENTERGY CORP NEW | COMMON STOCK | 29364G103 |  | 9143 | 110 | SH |  | SOLE |  | 110 | 0 | 0 |
| EVERSOURCE ENERGY | COMMON STOCK | 30040W108 |  | 12724 | 200 | SH |  | SOLE |  | 200 | 0 | 0 |
| EXELON CORP | COMMON STOCK | 30161N101 |  | 20581 | 474 | SH |  | SOLE |  | 474 | 0 | 0 |
| EXTRA SPACE STORAGE INC | COMMON STOCK | 30225T102 |  | 98932 | 671 | SH |  | SOLE |  | 671 | 0 | 0 |
| EXXON MOBIL CORP | COMMON STOCK | 30231G102 |  | 308739 | 2864 | SH |  | SOLE |  | 2864 | 0 | 0 |
| FLEXSHARES GLOBAL QUALITY REAL | MUTUAL FUND/STO | 33939L787 |  | 36034959 | 604139 | SH |  | SOLE |  | 604139 | 0 | 0 |
| FORD MOTOR COMPANY | COMMON STOCK | 345370860 |  | 10839 | 999 | SH |  | SOLE |  | 999 | 0 | 0 |
| FREEPORT-MCMORAN INC | COMMON STOCK | 35671D857 |  | 43350 | 1000 | SH |  | SOLE |  | 1000 | 0 | 0 |
| GE HEALTHCARE TECHNOLOGIES INC | COMMON STOCK | 36266G107 |  | 41480 | 560 | SH |  | SOLE |  | 560 | 0 | 0 |
| GARRETT MOTION INC COM | COMMON STOCK | 366505105 |  | 389 | 37 | SH |  | SOLE |  | 37 | 0 | 0 |
| GE VERNOVA INC | COMMON STOCK | 36828A101 |  | 222244 | 420 | SH |  | SOLE |  | 420 | 0 | 0 |
| GE AEROSPACE | COMMON STOCK | 369604301 |  | 432416 | 1680 | SH |  | SOLE |  | 1680 | 0 | 0 |
| GSK PLC | FOREIGN STOCK | 37733W204 |  | 96000 | 2500 | SH |  | SOLE |  | 2500 | 0 | 0 |
| GOLDMAN SACHS ACTIVEBETA U.S. | MUTUAL FUND/STO | 381430503 |  | 48432 | 399 | SH |  | SOLE |  | 399 | 0 | 0 |
| HP INC | COMMON STOCK | 40434L105 |  | 29352 | 1200 | SH |  | SOLE |  | 1200 | 0 | 0 |
| THE HARTFORD INSURANCE GROUP | COMMON STOCK | 416515104 |  | 52017 | 410 | SH |  | SOLE |  | 410 | 0 | 0 |
| HERSHEY CO | COMMON STOCK | 427866108 |  | 136577 | 823 | SH |  | SOLE |  | 823 | 0 | 0 |
| HEWLETT PACKARD ENTERPRISE CO | COMMON STOCK | 42824C109 |  | 24540 | 1200 | SH |  | SOLE |  | 1200 | 0 | 0 |
| HOME DEPOT INC | COMMON STOCK | 437076102 |  | 439968 | 1200 | SH |  | SOLE |  | 1200 | 0 | 0 |
| HONEYWELL INTERNATIONAL INC | COMMON STOCK | 438516106 |  | 87330 | 375 | SH |  | SOLE |  | 375 | 0 | 0 |
| HUMANA INC | COMMON STOCK | 444859102 |  | 97792 | 400 | SH |  | SOLE |  | 400 | 0 | 0 |
| HUNTINGTON INGALLS INDS INC | COMMON STOCK | 446413106 |  | 6761 | 28 | SH |  | SOLE |  | 28 | 0 | 0 |
| ITT INC | COMMON STOCK | 45073V108 |  | 250928 | 1600 | SH |  | SOLE |  | 1600 | 0 | 0 |
| NYLI MERGER ARBITRAGE ETF | MUTUAL FUND/STO | 45409B800 |  | 182804 | 5183 | SH |  | SOLE |  | 5183 | 0 | 0 |
| INTEL CORP | COMMON STOCK | 458140100 |  | 353920 | 15800 | SH |  | SOLE |  | 15800 | 0 | 0 |
| INTERNATIONAL BUSINESS MACHS | COMMON STOCK | 459200101 |  | 880213 | 2986 | SH |  | SOLE |  | 2986 | 0 | 0 |
| INTERNATIONAL PAPER CO | COMMON STOCK | 460146103 |  | 22010 | 470 | SH |  | SOLE |  | 470 | 0 | 0 |
| INVESCO QQQ TR | MUTUAL FUND/STO | 46090E103 |  | 220656 | 400 | SH |  | SOLE |  | 400 | 0 | 0 |
| INVESCO WATER RESOURCES ETF | MUTUAL FUND/STO | 46137V142 |  | 27964 | 400 | SH |  | SOLE |  | 400 | 0 | 0 |
| INVESCO S 500 REVENUE ETF | MUTUAL FUND/STO | 46138G698 |  | 56629 | 543 | SH |  | SOLE |  | 543 | 0 | 0 |
| ISHARES TIPS BOND (MKT) | MUTUAL FUND/GOV | 464287176 |  | 85281 | 775 | SH |  | SOLE |  | 775 | 0 | 0 |
| ISHARES CORE S 500 (MKT) | MUTUAL FUND/STO | 464287200 |  | 72989285 | 117554 | SH |  | SOLE |  | 117554 | 0 | 0 |
| ISHARES CORE S 500 (MKT) | MUTUAL FUND/STO | 464287200 |  | 732662 | 1180 | SH |  | OTR |  | 1180 | 0 | 0 |
| ISHARES CORE TOTAL US BOND | MUTUAL FUND/COR | 464287226 |  | 71424 | 720 | SH |  | SOLE |  | 720 | 0 | 0 |
| ISHARES MSCI EMERGING MARKETS | MUTUAL FUND/STO | 464287234 |  | 6030 | 125 | SH |  | SOLE |  | 125 | 0 | 0 |
| ISHARES 1-3 YEAR TREASURY BOND | MUTUAL FUND/GOV | 464287457 |  | 170774 | 2061 | SH |  | SOLE |  | 2061 | 0 | 0 |
| ISHARES MSCI EAFE (MKT) | MUTUAL FUNDS GL | 464287465 |  | 737648 | 8252 | SH |  | SOLE |  | 8252 | 0 | 0 |
| ISHARES MSCI EAFE (MKT) | MUTUAL FUNDS GL | 464287465 |  | 98330 | 1100 | SH |  | OTR |  | 1100 | 0 | 0 |
| ISHARES CORE S MID-CAP (MKT) | MUTUAL FUND/STO | 464287507 |  | 40626893 | 655061 | SH |  | SOLE |  | 655061 | 0 | 0 |
| ISHARES CORE S MID-CAP (MKT) | MUTUAL FUND/STO | 464287507 |  | 20157 | 325 | SH |  | OTR |  | 325 | 0 | 0 |
| ISHARES NASDAQ BIOTECHNOLOGY | MUTUAL FUND/STO | 464287556 |  | 227718 | 1800 | SH |  | SOLE |  | 1800 | 0 | 0 |
| ISHARES RUSSELL 1000 VALUE (MKT) | MUTUAL FUND/STO | 464287598 |  | 93036 | 479 | SH |  | SOLE |  | 479 | 0 | 0 |
| ISHARES RUSSELL 1000 GROWTH | MUTUAL FUND/STO | 464287614 |  | 574457 | 1353 | SH |  | SOLE |  | 1353 | 0 | 0 |
| ISHARES RUSSELL 2000 (MKT) | MUTUAL FUND/STO | 464287655 |  | 173712 | 805 | SH |  | SOLE |  | 805 | 0 | 0 |
| ISHARES CORE S SMALL-CAP (MKT) | MUTUAL FUND/STO | 464287804 |  | 23927740 | 218938 | SH |  | SOLE |  | 218938 | 0 | 0 |
| ISHARES CORE S SMALL-CAP (MKT) | MUTUAL FUND/STO | 464287804 |  | 54645 | 500 | SH |  | OTR |  | 500 | 0 | 0 |
| ISHARES RUSSELL TOP 200 ETF | MUTUAL FUND/STO | 464289446 |  | 24652 | 161 | SH |  | SOLE |  | 161 | 0 | 0 |
| ISHARES AAA - A RATED CORPORATE | MUTUAL FUND/COR | 46429B291 |  | 1679566 | 35108 | SH |  | SOLE |  | 35108 | 0 | 0 |
| ISHARES MSCI USA MINIMUM | MUTUAL FUND/STO | 46429B697 |  | 95090 | 1013 | SH |  | SOLE |  | 1013 | 0 | 0 |
| ISHARES CORE MSCI TOTAL INTL | MUTUAL FUND/STO | 46432F834 |  | 86587 | 1120 | SH |  | SOLE |  | 1120 | 0 | 0 |
| ISHARES CORE MSCI EAFE | MUTUAL FUNDS GL | 46432F842 |  | 319562 | 3828 | SH |  | SOLE |  | 3828 | 0 | 0 |
| ISHARES CORE MSCI EMERGING | MUTUAL FUNDS GL | 46434G103 |  | 27613 | 460 | SH |  | SOLE |  | 460 | 0 | 0 |
| ISHARES FALN ANGLS USD BD ETF | MUTUAL FUND/COR | 46435G474 |  | 30538148 | 1125208 | SH |  | SOLE |  | 1125208 | 0 | 0 |
| ISHARES FALN ANGLS USD BD ETF | MUTUAL FUND/COR | 46435G474 |  | 24426 | 900 | SH |  | OTR |  | 900 | 0 | 0 |
| JP MORGAN CHASE  CO | COMMON STOCK | 46625H100 |  | 745939 | 2573 | SH |  | SOLE |  | 2573 | 0 | 0 |
| JPMORGAN MORTGAGE-BACKED | MUTUAL FUND/GOV | 46654Q575 |  | 2176030 | 43356 | SH |  | SOLE |  | 43356 | 0 | 0 |
| JOHNSON  JOHNSON | COMMON STOCK | 478160104 |  | 481163 | 3150 | SH |  | SOLE |  | 3150 | 0 | 0 |
| KEYCORP DP | COMMON STOCK | 493267108 |  | 278720 | 16000 | SH |  | SOLE |  | 16000 | 0 | 0 |
| KEYSIGHT TECHNOLOGIES INC | COMMON STOCK | 49338L103 |  | 20646 | 126 | SH |  | SOLE |  | 126 | 0 | 0 |
| KIMBERLY CLARK CORP | COMMON STOCK | 494368103 |  | 51568 | 400 | SH |  | SOLE |  | 400 | 0 | 0 |
| KONINLIJKE PHILIPS N.V. | FOREIGN STOCK | 500472303 |  | 28632 | 1194 | SH |  | SOLE |  | 1194 | 0 | 0 |
| KRAFT HEINZ CO | COMMON STOCK | 500754106 |  | 7927 | 307 | SH |  | SOLE |  | 307 | 0 | 0 |
| KYNDRYL HLDGS INC | COMMON STOCK | 50155Q100 |  | 7888 | 188 | SH |  | SOLE |  | 188 | 0 | 0 |
| L3HARRIS TECHNOLOGIES INC COM | COMMON STOCK | 502431109 |  | 311292 | 1241 | SH |  | SOLE |  | 1241 | 0 | 0 |
| LANDS END INC. | COMMON STOCK | 51509F105 |  | 225 | 21 | SH |  | SOLE |  | 21 | 0 | 0 |
| LEGGETT  PLATT INC | COMMON STOCK | 524660107 |  | 40140 | 4500 | SH |  | SOLE |  | 4500 | 0 | 0 |
| LOUISIANA-PACIFIC CORP | COMMON STOCK | 546347105 |  | 207752 | 2416 | SH |  | SOLE |  | 2416 | 0 | 0 |
| LUMEN TECHNOLOGIES INC | COMMON STOCK | 550241103 |  | 254 | 58 | SH |  | SOLE |  | 58 | 0 | 0 |
| MARATHON PETE CORP | COMMON STOCK | 56585A102 |  | 49833 | 300 | SH |  | SOLE |  | 300 | 0 | 0 |
| MARRIOTT INTERNATIONAL INC | COMMON STOCK | 571903202 |  | 136605 | 500 | SH |  | SOLE |  | 500 | 0 | 0 |
| MASCO CORP | COMMON STOCK | 574599106 |  | 386160 | 6000 | SH |  | SOLE |  | 6000 | 0 | 0 |
| MASTERBRAND INC | COMMON STOCK | 57638P104 |  | 98545 | 9016 | SH |  | SOLE |  | 9016 | 0 | 0 |
| MCDONALDS CORP | COMMON STOCK | 580135101 |  | 133521 | 457 | SH |  | SOLE |  | 457 | 0 | 0 |
| MERCK  CO INC | COMMON STOCK | 58933Y105 |  | 94992 | 1200 | SH |  | SOLE |  | 1200 | 0 | 0 |
| MICROSOFT CORP | COMMON STOCK | 594918104 |  | 898322 | 1806 | SH |  | SOLE |  | 1806 | 0 | 0 |
| MONDELEZ INTL INC | COMMON STOCK | 609207105 |  | 62180 | 922 | SH |  | SOLE |  | 922 | 0 | 0 |
| MORGAN STANLEY | COMMON STOCK | 617446448 |  | 50710 | 360 | SH |  | SOLE |  | 360 | 0 | 0 |
| MOTOROLA SOLUTIONS INC | COMMON STOCK | 620076307 |  | 203502 | 484 | SH |  | SOLE |  | 484 | 0 | 0 |
| NBT BANCORP INC | COMMON STOCK | 628778102 |  | 85510 | 2058 | SH |  | SOLE |  | 2058 | 0 | 0 |
| NATIONAL GRID PLC | FOREIGN STOCK | 636274409 |  | 20834 | 280 | SH |  | SOLE |  | 280 | 0 | 0 |
| NEWMONT GOLDCORP | COMMON STOCK | 651639106 |  | 14507 | 249 | SH |  | SOLE |  | 249 | 0 | 0 |
| NIKE INC | COMMON STOCK | 654106103 |  | 1101120 | 15500 | SH |  | SOLE |  | 15500 | 0 | 0 |
| NORFOLK SOUTHERN CORP | COMMON STOCK | 655844108 |  | 152046 | 594 | SH |  | SOLE |  | 594 | 0 | 0 |
| NORTHROP GRUMMAN CORP | COMMON STOCK | 666807102 |  | 83997 | 168 | SH |  | SOLE |  | 168 | 0 | 0 |
| NORTHWEST BANCSHARES INC | COMMON STOCK | 667340103 |  | 25560 | 2000 | SH |  | SOLE |  | 2000 | 0 | 0 |
| OCCIDENTAL PETROLEUM CORP | COMMON STOCK | 674599105 |  | 16804 | 400 | SH |  | SOLE |  | 400 | 0 | 0 |
| OCCIDENTAL PETROLEUM CORP | COMMON STOCK | 674599162 |  | 1036 | 50 | SH |  | SOLE |  | 50 | 0 | 0 |
| ORACLE CORP | COMMON STOCK | 68389X105 |  | 131178 | 600 | SH |  | SOLE |  | 600 | 0 | 0 |
| OTIS WORLDWIDE CORP GLBL | COMMON STOCK | 68902V107 |  | 74265 | 750 | SH |  | SOLE |  | 750 | 0 | 0 |
| PJT PARTNERS INC | COMMON STOCK | 69343T107 |  | 61879 | 375 | SH |  | SOLE |  | 375 | 0 | 0 |
| PAYCHEX INC | COMMON STOCK | 704326107 |  | 240009 | 1650 | SH |  | SOLE |  | 1650 | 0 | 0 |
| PEPSICO INC | COMMON STOCK | 713448108 |  | 19806 | 150 | SH |  | SOLE |  | 150 | 0 | 0 |
| PFIZER INC | COMMON STOCK | 717081103 |  | 226644 | 9350 | SH |  | SOLE |  | 9350 | 0 | 0 |
| PHILIP MORRIS INTERNATIONAL INC | COMMON STOCK | 718172109 |  | 163917 | 900 | SH |  | SOLE |  | 900 | 0 | 0 |
| PROCTER  GAMBLE CO | COMMON STOCK | 742718109 |  | 172066 | 1080 | SH |  | SOLE |  | 1080 | 0 | 0 |
| PRUDENTIAL FINANCIAL INC | COMMON STOCK | 744320102 |  | 31050 | 289 | SH |  | SOLE |  | 289 | 0 | 0 |
| PUBLIC SERVICE ENTERPRISE GROUP | COMMON STOCK | 744573106 |  | 196308 | 2332 | SH |  | SOLE |  | 2332 | 0 | 0 |
| QUALCOMM INC | COMMON STOCK | 747525103 |  | 6689 | 42 | SH |  | SOLE |  | 42 | 0 | 0 |
| RAYONIER INC | COMMON STOCK | 754907103 |  | 21825 | 984 | SH |  | SOLE |  | 984 | 0 | 0 |
| RTX CORPORATION | COMMON STOCK | 75513E101 |  | 190848 | 1307 | SH |  | SOLE |  | 1307 | 0 | 0 |
| REALTY INCOME CORP | COMMON STOCK | 756109104 |  | 92176 | 1600 | SH |  | SOLE |  | 1600 | 0 | 0 |
| RESIDEO TECHNOLOGIES INC COM | COMMON STOCK | 76118Y104 |  | 1368 | 62 | SH |  | SOLE |  | 62 | 0 | 0 |
| ROYAL DUTCH SHELL PLC | FOREIGN STOCK | 780259305 |  | 280514 | 3984 | SH |  | SOLE |  | 3984 | 0 | 0 |
| SPDR S 500 (MKT) | MUTUAL FUND/STO | 78462F103 |  | 1380278 | 2234 | SH |  | SOLE |  | 2234 | 0 | 0 |
| SPDR PORTFOLIO S 500 GROWTH | MUTUAL FUND/STO | 78464A409 |  | 60964765 | 639580 | SH |  | SOLE |  | 639580 | 0 | 0 |
| SPDR PORTFOLIO S 500 GROWTH | MUTUAL FUND/STO | 78464A409 |  | 96750 | 1015 | SH |  | OTR |  | 1015 | 0 | 0 |
| SPDR BLOOMBERG BARCLAYS HIGH | MUTUAL FUND/COR | 78468R622 |  | 31905 | 328 | SH |  | SOLE |  | 328 | 0 | 0 |
| SCHWAB U.S. DIVIDEND EQUITY ETF | MUTUAL FUND/STO | 808524797 |  | 47848992 | 1805622 | SH |  | SOLE |  | 1805622 | 0 | 0 |
| SCHWAB U.S. DIVIDEND EQUITY ETF | MUTUAL FUND/STO | 808524797 |  | 71550 | 2700 | SH |  | OTR |  | 2700 | 0 | 0 |
| SMUCKER J M CO | COMMON STOCK | 832696405 |  | 49100 | 500 | SH |  | SOLE |  | 500 | 0 | 0 |
| SOLVENTUM CORP | COMMON STOCK | 83444M101 |  | 15168 | 200 | SH |  | SOLE |  | 200 | 0 | 0 |
| SONY CORP | FOREIGN STOCK | 835699307 |  | 1119290 | 43000 | SH |  | SOLE |  | 43000 | 0 | 0 |
| SOUTH BOW CORP | FOREIGN STOCK | 83671M105 |  | 1555 | 60 | SH |  | SOLE |  | 60 | 0 | 0 |
| SOUTHERN CO | COMMON STOCK | 842587107 |  | 367320 | 4000 | SH |  | SOLE |  | 4000 | 0 | 0 |
| STANLEY BLACK  DECKER INC | COMMON STOCK | 854502101 |  | 88075 | 1300 | SH |  | SOLE |  | 1300 | 0 | 0 |
| STARBUCKS CORP | COMMON STOCK | 855244109 |  | 229075 | 2500 | SH |  | SOLE |  | 2500 | 0 | 0 |
| STEEL DYNAMICS INC | COMMON STOCK | 858119100 |  | 384030 | 3000 | SH |  | SOLE |  | 3000 | 0 | 0 |
| STRYKER CORP | COMMON STOCK | 863667101 |  | 474756 | 1200 | SH |  | SOLE |  | 1200 | 0 | 0 |
| SYSCO CORP | COMMON STOCK | 871829107 |  | 45444 | 600 | SH |  | SOLE |  | 600 | 0 | 0 |
| TJX COS INC NEW | COMMON STOCK | 872540109 |  | 74094 | 600 | SH |  | SOLE |  | 600 | 0 | 0 |
| TAKE-TWO INTERACTIVE SOFTWARE | COMMON STOCK | 874054109 |  | 19428 | 80 | SH |  | SOLE |  | 80 | 0 | 0 |
| TC ENERGY CORP COM | FOREIGN STOCK | 87807B107 |  | 14637 | 300 | SH |  | SOLE |  | 300 | 0 | 0 |
| TEGNA INC | COMMON STOCK | 87901J105 |  | 113180 | 6753 | SH |  | SOLE |  | 6753 | 0 | 0 |
| TESLA INC | COMMON STOCK | 88160R101 |  | 31766 | 100 | SH |  | SOLE |  | 100 | 0 | 0 |
| TEXAS INSTRUMENTS INC | COMMON STOCK | 882508104 |  | 103810 | 500 | SH |  | SOLE |  | 500 | 0 | 0 |
| THE ODP CORP | COMMON STOCK | 88337F105 |  | 1650 | 91 | SH |  | SOLE |  | 91 | 0 | 0 |
| THERMO FISHER SCIENTIFIC INC | COMMON STOCK | 883556102 |  | 6082 | 15 | SH |  | SOLE |  | 15 | 0 | 0 |
| 3M CO | COMMON STOCK | 88579Y101 |  | 121792 | 800 | SH |  | SOLE |  | 800 | 0 | 0 |
| TITAN INTERNATIONAL INC IL | COMMON STOCK | 88830M102 |  | 102700 | 10000 | SH |  | SOLE |  | 10000 | 0 | 0 |
| TOMPKINS FINANCIAL CORPORATION | COMMON STOCK | 890110109 |  | 154379 | 2461 | SH |  | SOLE |  | 2461 | 0 | 0 |
| TOPBUILD CORP | COMMON STOCK | 89055F103 |  | 301725 | 932 | SH |  | SOLE |  | 932 | 0 | 0 |
| THE TRAVELERS COMPANIES INC | COMMON STOCK | 89417E109 |  | 26754 | 100 | SH |  | SOLE |  | 100 | 0 | 0 |
| UNITED PARCEL SERVICE | COMMON STOCK | 911312106 |  | 30282 | 300 | SH |  | SOLE |  | 300 | 0 | 0 |
| V F CORP | COMMON STOCK | 918204108 |  | 23500 | 2000 | SH |  | SOLE |  | 2000 | 0 | 0 |
| VALERO ENERGY CORP SR GLBL | COMMON STOCK | 91913Y100 |  | 268840 | 2000 | SH |  | SOLE |  | 2000 | 0 | 0 |
| VANGUARD INTERMEDIATE-TERM BOND | MUTUAL FUND/GOV | 921937819 |  | 4552316 | 58861 | SH |  | SOLE |  | 58861 | 0 | 0 |
| VANGUARD INTERMEDIATE-TERM BOND | MUTUAL FUND/GOV | 921937819 |  | 141610 | 1831 | SH |  | OTR |  | 1831 | 0 | 0 |
| VANGUARD SHORT-TERM BOND ETF | MUTUAL FUND/COR | 921937827 |  | 175894 | 2235 | SH |  | SOLE |  | 2235 | 0 | 0 |
| VANGUARD FTSE DEVELOPED MARKETS | MUTUAL FUND/STO | 921943858 |  | 73200 | 1284 | SH |  | SOLE |  | 1284 | 0 | 0 |
| VANGUARD HIGH DIVIDEND YIELD | MUTUAL FUND/STO | 921946406 |  | 133311 | 1000 | SH |  | SOLE |  | 1000 | 0 | 0 |
| VANGUARD INTERNATIONAL DIVIDEND | MUTUAL FUND/STO | 921946810 |  | 47536768 | 527483 | SH |  | SOLE |  | 527483 | 0 | 0 |
| VANGUARD INTERNATIONAL DIVIDEND | MUTUAL FUND/STO | 921946810 |  | 18024 | 200 | SH |  | OTR |  | 200 | 0 | 0 |
| VANGUARD FTSE ALL-WORLD EX-US | MUTUAL FUNDS GL | 922042775 |  | 295364 | 4394 | SH |  | SOLE |  | 4394 | 0 | 0 |
| VANGUARD EMERGING MARKETS STOCK | MUTUAL FUND/STO | 922042858 |  | 1141488 | 23079 | SH |  | SOLE |  | 23079 | 0 | 0 |
| VANGUARD EMERGING MARKETS STOCK | MUTUAL FUND/STO | 922042858 |  | 32149 | 650 | SH |  | OTR |  | 650 | 0 | 0 |
| VECTRUS INC | COMMON STOCK | 92242T101 |  | 1068 | 22 | SH |  | SOLE |  | 22 | 0 | 0 |
| VANGUARD S 500 ETF | MUTUAL FUND/STO | 922908363 |  | 276061 | 486 | SH |  | SOLE |  | 486 | 0 | 0 |
| VANGUARD REAL ESTATE ETF | MUTUAL FUND/STO | 922908553 |  | 45065 | 506 | SH |  | SOLE |  | 506 | 0 | 0 |
| VANGUARD MID-CAP ETF (MKT) | MUTUAL FUND/STO | 922908629 |  | 34979 | 125 | SH |  | SOLE |  | 125 | 0 | 0 |
| VANGUARD SMALL CAP ETF (MKT) | MUTUAL FUND/STO | 922908751 |  | 54745 | 231 | SH |  | SOLE |  | 231 | 0 | 0 |
| VANGUARD TOTAL STOCK MARKET ETF | MUTUAL FUND/STO | 922908769 |  | 899634 | 2960 | SH |  | SOLE |  | 2960 | 0 | 0 |
| VERIZON COMMUNICATIONS INC | COMMON STOCK | 92343V104 |  | 31371 | 725 | SH |  | SOLE |  | 725 | 0 | 0 |
| VIATRIS INC | COMMON STOCK | 92556V106 |  | 56884 | 6370 | SH |  | SOLE |  | 6370 | 0 | 0 |
| VISA INC COM CL A | COMMON STOCK | 92826C839 |  | 85212 | 240 | SH |  | SOLE |  | 240 | 0 | 0 |
| VODAFONE GROUP PLC | FOREIGN STOCK | 92857W308 |  | 245 | 23 | SH |  | SOLE |  | 23 | 0 | 0 |
| VUZIX CORP COM | COMMON STOCK | 92921W300 |  | 4380 | 1500 | SH |  | SOLE |  | 1500 | 0 | 0 |
| W P CAREY INC | COMMON STOCK | 92936U109 |  | 24952 | 400 | SH |  | SOLE |  | 400 | 0 | 0 |
| WABTEC | COMMON STOCK | 929740108 |  | 18213 | 87 | SH |  | SOLE |  | 87 | 0 | 0 |
| WALGREENS BOOTS ALLIANCE INC | COMMON STOCK | 931427108 |  | 90692 | 7900 | SH |  | SOLE |  | 7900 | 0 | 0 |
| WARNER BROS DISCOVERY INC | COMMON STOCK | 934423104 |  | 10383 | 906 | SH |  | SOLE |  | 906 | 0 | 0 |
| WASTE MANAGEMENT INC | COMMON STOCK | 94106L109 |  | 66358 | 290 | SH |  | SOLE |  | 290 | 0 | 0 |
| WELLS FARGO  CO | COMMON STOCK | 949746101 |  | 253339 | 3162 | SH |  | SOLE |  | 3162 | 0 | 0 |
| WENDYS CO | COMMON STOCK | 95058W100 |  | 169770 | 14866 | SH |  | SOLE |  | 14866 | 0 | 0 |
| WEYERHAEUSER CO | COMMON STOCK | 962166104 |  | 194833 | 7584 | SH |  | SOLE |  | 7584 | 0 | 0 |
| WHIRLPOOL CORP | COMMON STOCK | 963320106 |  | 496958 | 4900 | SH |  | SOLE |  | 4900 | 0 | 0 |
| WISDOMTREE EM MKTS EX-STT OWND | MUTUAL FUND/STO | 97717X578 |  | 33822949 | 980944 | SH |  | SOLE |  | 980944 | 0 | 0 |
| XEROX HOLDINGS CORP | COMMON STOCK | 98421M106 |  | 1581 | 300 | SH |  | SOLE |  | 300 | 0 | 0 |
| ZIMMER BIOMET HLDGS INC | COMMON STOCK | 98956P102 |  | 9121 | 100 | SH |  | SOLE |  | 100 | 0 | 0 |
| ACCENTURE PLC | FOREIGN STOCK | G1151C101 |  | 89667 | 300 | SH |  | SOLE |  | 300 | 0 | 0 |
| LINDE PLC | FOREIGN STOCK | G54950103 |  | 281508 | 600 | SH |  | SOLE |  | 600 | 0 | 0 |
| MEDTRONIC PLC | FOREIGN STOCK | G5960L103 |  | 17434 | 200 | SH |  | SOLE |  | 200 | 0 | 0 |
| NORDIC AMERICAN TANKERS LIMITED | FOREIGN STOCK | G65773106 |  | 26300 | 10000 | SH |  | SOLE |  | 10000 | 0 | 0 |
| CHUBB LIMITED | FOREIGN STOCK | H1467J104 |  | 52150 | 180 | SH |  | SOLE |  | 180 | 0 | 0 |

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