SEC FORM 13F-HR

The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F COVER PAGE

OMB APPROVAL

OMB Number:		3235-0006
Expires:	July 31, 2015
Estimated average burden
hours per response:		23.8

Report for the Calendar Year or Quarter Ended:

12-31-2023

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
Address:	717 Main St
	PO Box 269
	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.
Title:	Senior Vice President and Senior Trust Officer
Phone:	(570) 253-8506
Signature, Place, and Date of Signing:
/s/ Diane Wylam, Esq.		Honesdale, PA	01-11-2024
[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 reported are 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:	388
	Form 13F Information Table Value Total:	65,976,895
		(thousands)

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

SEC FORM 13-F Information Table

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE

OMB APPROVAL

OMB Number:		3235-0006
Expires:	July 31, 2015
Estimated average burden
hours per response:		23.8

COLUMN 1	COLUMN 2	COLUMN 3	COLUMN 4	COLUMN 5			COLUMN 6	COLUMN 7	COLUMN 8
			VALUE	SHRS OR	SH/	PUT/	INVESTMENT	OTHER	VOTING AUTHORITY
NAME OF ISSUER	TITLE OF CLASS	CUSIP	(x$1000)	PRN AMT	PRN	CALL	DISCRETION	MANAGER	SOLE	SHARED	NONE
AXALTA COATING SYS LTD COM	FOREIGN EQUITIES	G0750C108	3,397	100	SH		SOLE		0	0	0
ACCENTURE PLC IRELAND SHS CLASS A	COMMON STOCK	G1151C101	44,213	126	SH		SOLE		0	0	0
FTAI AVIATION LTD SHS	COMMON STOCK	G3730V105	9,280	200	SH		SOLE		0	0	0
LINDE PLC SHS	FOREIGN EQUITIES	G54950103	82,140	200	SH		DFND		0	0	0
MEDTRONIC PLC SHS	FOREIGN EQUITIES	G5960L103	24,714	300	SH		SOLE		0	0	0
MEDTRONIC PLC SHS	FOREIGN EQUITIES	G5960L103	10,297	125	SH		DFND		0	0	0
NORWEGIAN CRUISE LINE HLDG LSHS	FOREIGN EQUITIES	G66721104	2,003	100	SH		SOLE		0	0	0
SFL CORPORATION LTD SHS	FOREIGN EQUITIES	G7738W106	11,099	984	SH		SOLE		0	0	0
CHUBB LIMITED COM	FOREIGN EQUITIES	H1467J104	113,000	500	SH		SOLE		0	0	0
ITURAN LOCATION & CONTROL LTD	FOREIGN EQUITIES	M6158M104	2,723	100	SH		DFND		0	0	0
LYONDELLBASELL INDUSTRIES N SHS - A -	FOREIGN EQUITIES	N53745100	216,305	2,275	SH		SOLE		0	0	0
LYONDELLBASELL INDUSTRIES N SHS - A -	FOREIGN EQUITIES	N53745100	9,508	100	SH		DFND		0	0	0
ROYAL CARIBBEAN CRUISES LTD COM	FOREIGN EQUITIES	V7780T103	4,532	35	SH		SOLE		0	0	0
AFLAC INC.	COMMON STOCK	001055102	49,500	600	SH		DFND		0	0	0
AT&T INC COM	COMMON STOCK	00206R102	92,008	5,487	SH		SOLE		0	0	0
AT&T INC COM	COMMON STOCK	00206R102	63,742	3,801	SH		DFND		1,704	0	0
ARK ETF TR INNOVATION ETF	ETF/EQUITIES	00214Q104	2,618	50	SH		DFND		0	0	0
ARK ETF TR ARK SPACE EXPL	ETF/EQUITIES	00214Q807	1,541	100	SH		DFND		0	0	0
ABBOTT LABS COM	COMMON STOCK	002824100	725,910	6,595	SH		SOLE		0	0	0
ABBOTT LABS COM	COMMON STOCK	002824100	60,538	550	SH		DFND		0	0	0
ABBVIE INC COM	COMMON STOCK	00287Y109	1,084,783	7,000	SH		SOLE		0	0	0
ABBVIE INC COM	COMMON STOCK	00287Y109	92,982	600	SH		DFND		0	0	0
AIR PRODUCTS & CHEMICALS INC	COMMON STOCK	009158106	54,758	200	SH		DFND		0	0	0
ALCOA CORP COM	COMMON STOCK	013872106	3,400	100	SH		SOLE		0	0	0
ALLETE INC COM NEW	COMMON STOCK	018522300	15,287	250	SH		DFND		0	0	0
ALPHABET INC USD.001	COMMON STOCK	02079K107	78,208	555	SH		SOLE		0	0	0
ALPHABET INC USD.001	COMMON STOCK	02079K305	89,401	640	SH		SOLE		0	0	0
ALTRIA GROUP INC.	COMMON STOCK	02209S103	92,015	2,281	SH		SOLE		0	0	0
AMAZON.COM INC	COMMON STOCK	023135106	12,154	80	SH		SOLE		0	0	0
AMEREN CORP COM	COMMON STOCK	023608102	41,523	574	SH		DFND		0	0	0
AMERICAN ELEC PWR INC COM	COMMON STOCK	025537101	81,220	1,000	SH		SOLE		0	0	0
AMERICAN ELEC PWR INC COM	COMMON STOCK	025537101	15,756	194	SH		DFND		0	0	0
AMGEN INC COM	COMMON STOCK	031162100	36,001	125	SH		SOLE		0	0	0
ANALOG DEVICES INC COM	COMMON STOCK	032654105	632,012	3,183	SH		SOLE		0	0	0
ANALOG DEVICES INC COM	COMMON STOCK	032654105	69,496	350	SH		DFND		0	0	0
ELEVANCE HEALTH INC	COMMON STOCK	036752103	11,788	25	SH		SOLE		0	0	0
APA CORPORATION COM	COMMON STOCK	03743Q108	7,176	200	SH		DFND		0	0	0
APPLE INCORPORATED	COMMON STOCK	037833100	1,356,361	7,045	SH		SOLE		0	0	0
APPLIED MATERIALS INC	COMMON STOCK	038222105	1,052,636	6,495	SH		SOLE		0	0	0
APPLIED MATERIALS INC	COMMON STOCK	038222105	539,692	3,330	SH		DFND		0	0	0
AUTOMATIC DATA PROCESSING INC	COMMON STOCK	053015103	5,824	25	SH		SOLE		0	0	0
AVERY DENNISON CORP.	COMMON STOCK	053611109	304,249	1,505	SH		SOLE		0	0	0
AVERY DENNISON CORP.	COMMON STOCK	053611109	116,242	575	SH		DFND		0	0	0
BP PLC SPONSORED ADR	FOREIGN EQUITIES	055622104	59,097	1,670	SH		SOLE		0	0	0
BANK OF AMERICA CORPORATION COM	COMMON STOCK	060505104	105,280	3,128	SH		SOLE		0	0	0
BANK OF AMERICA CORPORATION COM	COMMON STOCK	060505104	39,853	1,184	SH		DFND		0	0	0
BANK NEW YORK MELLON CORP COM	COMMON STOCK	064058100	46,367	891	SH		SOLE		0	0	0
BANK NEW YORK MELLON CORP COM	COMMON STOCK	064058100	14,102	271	SH		DFND		0	0	0
BARRICK GOLD CORP	FOREIGN EQUITIES	067901108	9,045	500	SH		DFND		0	0	0
BAXTER INTL INC COM	COMMON STOCK	071813109	1,932	50	SH		SOLE		0	0	0
BERKSHIRE HATHAWAY B	COMMON STOCK	084670702	1,009,299	2,830	SH		SOLE		0	0	0
BERKSHIRE HATHAWAY B	COMMON STOCK	084670702	46,364	130	SH		DFND		0	0	0
BEST BUY INC COM	COMMON STOCK	086516101	15,656	200	SH		SOLE		0	0	0
BHP BILLITON LIMITED	FOREIGN EQUITIES	088606108	13,662	200	SH		DFND		0	0	0
BIOGEN IDEC INC	COMMON STOCK	09062X103	91,856	355	SH		SOLE		0	0	0
BLACKROCK INC COM	COMMON STOCK	09247X101	75,493	93	SH		SOLE		0	0	0
BRISTOL MYERS SQUIBB CO COM	COMMON STOCK	110122108	114,314	2,228	SH		SOLE		0	0	0
BRISTOL MYERS SQUIBB CO COM	COMMON STOCK	110122108	19,241	375	SH		DFND		0	0	0
BROADCOM INC COM	COMMON STOCK	11135F101	83,718	75	SH		SOLE		0	0	0
C H ROBINSON WORLDWIDE INC COM NEW	COMMON STOCK	12541W209	54,421	630	SH		SOLE		0	0	0
CIGNA CORP NEW COM	COMMON STOCK	125523100	16,469	55	SH		SOLE		0	0	0
CVS HEALTH CORP COM	COMMON STOCK	126650100	225,587	2,857	SH		SOLE		0	0	0
CVS HEALTH CORP COM	COMMON STOCK	126650100	119,229	1,510	SH		DFND		0	0	0
CAPITAL ONE FINL CORP COM	COMMON STOCK	14040H105	153,410	1,170	SH		SOLE		0	0	0
CARDINAL HEALTH INC COM	COMMON STOCK	14149Y108	170,856	1,695	SH		SOLE		0	0	0
CARDINAL HEALTH INC COM	COMMON STOCK	14149Y108	10,080	100	SH		DFND		0	0	0
CARNIVAL CORP UNIT 99/99/9999	COMMON STOCK	143658300	5,559	300	SH		SOLE		0	0	0
CARPENTER TECHNOLOGY CORP	COMMON STOCK	144285103	40,137	567	SH		SOLE		0	0	0
CARRIER GLOBAL CORPORATION COM	COMMON STOCK	14448C104	33,895	590	SH		SOLE		0	0	0
CARRIER GLOBAL CORPORATION COM	COMMON STOCK	14448C104	5,745	100	SH		DFND		0	0	0
CATERPILLAR INC	COMMON STOCK	149123101	1,122,010	3,795	SH		SOLE		0	0	0
CATERPILLAR INC	COMMON STOCK	149123101	103,481	350	SH		DFND		0	0	0
CELANESE CORP DEL COM	COMMON STOCK	150870103	163,907	1,055	SH		SOLE		0	0	0
CHEVRON CORPORATION	COMMON STOCK	166764100	184,951	1,240	SH		SOLE		0	0	0
CHEVRON CORPORATION	COMMON STOCK	166764100	7,458	50	SH		DFND		0	0	0
CHURCH & DWIGHT INC	COMMON STOCK	171340102	4,728	50	SH		SOLE		0	0	0
CISCO SYS INC COM	COMMON STOCK	17275R102	511,007	10,115	SH		SOLE		0	0	0
CISCO SYS INC COM	COMMON STOCK	17275R102	73,557	1,456	SH		DFND		0	0	0
CINTAS CORP COM	COMMON STOCK	172908105	532,736	884	SH		SOLE		0	0	0
CINTAS CORP COM	COMMON STOCK	172908105	442,947	735	SH		DFND		0	0	0
CITIGROUP INC COMMON	COMMON STOCK	172967424	70,709	1,375	SH		SOLE		0	0	0
CITIGROUP INC COMMON	COMMON STOCK	172967424	3,805	74	SH		DFND		0	0	0
COCA COLA CO COM	COMMON STOCK	191216100	336,487	5,710	SH		SOLE		0	0	0
COCA COLA CO COM	COMMON STOCK	191216100	78,082	1,325	SH		DFND		0	0	0
COLGATE PALMOLIVE	COMMON STOCK	194162103	82,095	1,030	SH		SOLE		0	0	0
COMCAST CORP. CLASS A	COMMON STOCK	20030N101	15,344	350	SH		SOLE		0	0	0
COMPASS DIVERSIFIED HOLDINGS SHARES	PARTNERSHIPS	20451Q104	17,960	800	SH		DFND		0	0	0
CONOCOPHILLIPS	COMMON STOCK	20825C104	129,994	1,120	SH		SOLE		0	0	0
CONOCOPHILLIPS	COMMON STOCK	20825C104	38,883	335	SH		DFND		0	0	0
CONSOLIDATED EDISON INC COM	COMMON STOCK	209115104	187,395	2,060	SH		SOLE		0	0	0
CONSOLIDATED EDISON INC COM	COMMON STOCK	209115104	79,598	875	SH		DFND		0	0	0
CONSTELLATION ENERGY CORP COM	COMMON STOCK	21037T109	44,650	382	SH		SOLE		0	0	0
CONSTELLATION ENERGY CORP COM	COMMON STOCK	21037T109	37,404	320	SH		DFND		0	0	0
CORNING INC COM	COMMON STOCK	219350105	6,090	200	SH		DFND		0	0	0
COSTCO WHSL CORP NEW COM	COMMON STOCK	22160K105	9,901	15	SH		SOLE		0	0	0
CUMMINS INC COM	COMMON STOCK	231021106	336,588	1,405	SH		SOLE		0	0	0
CUMMINS INC COM	COMMON STOCK	231021106	5,989	25	SH		DFND		0	0	0
DARDEN RESTAURANTS INC COM	COMMON STOCK	237194105	49,290	300	SH		SOLE		0	0	0
DARDEN RESTAURANTS INC COM	COMMON STOCK	237194105	16,430	100	SH		DFND		0	0	0
DEERE & CO.	COMMON STOCK	244199105	563,794	1,410	SH		SOLE		0	0	0
DEERE & CO.	COMMON STOCK	244199105	21,992	55	SH		DFND		0	0	0
DISCOVER FINL SVCS COM	COMMON STOCK	254709108	65,754	585	SH		SOLE		0	0	0
DOW INC COM	COMMON STOCK	260557103	70,193	1,280	SH		SOLE		0	0	0
DOW INC COM	COMMON STOCK	260557103	9,322	170	SH		DFND		0	0	0
DUKE ENERGY CORP NEW COM NEW	COMMON STOCK	26441C204	29,403	303	SH		SOLE		0	0	0
DUPONT DE NEMOURS INC COM	COMMON STOCK	26614N102	13,078	170	SH		DFND		0	0	0
ETF SER SOLUTIONS US GLB JETS	ETF/EQUITIES	26922A842	5,230	275	SH		SOLE		0	0	0
EMERSON ELEC CO COM	COMMON STOCK	291011104	359,140	3,690	SH		SOLE		0	0	0
EMERSON ELEC CO COM	COMMON STOCK	291011104	12,166	125	SH		DFND		0	0	0
ENBRIDGE INC COM	FOREIGN EQUITIES	29250N105	3,529	98	SH		DFND		0	0	0
ENERGY TRANSFER L P COM UT LTD PTN	COMMON STOCK	29273V100	77,956	5,649	SH		SOLE		0	0	0
ENTERGY CORP NEW COM	COMMON STOCK	29364G103	21,249	210	SH		DFND		0	0	0
ENTERPRISE PRODS PARTNERS L COM	PARTNERSHIPS	293792107	10,377	394	SH		DFND		0	0	0
ESSENTIAL UTILS INC COM	COMMON STOCK	29670G102	6,534	175	SH		SOLE		0	0	0
ESSENTIAL UTILS INC COM	COMMON STOCK	29670G102	7,468	200	SH		DFND		0	0	0
EXELON CORP COM	COMMON STOCK	30161N101	41,273	1,150	SH		SOLE		0	0	0
EXELON CORP COM	COMMON STOCK	30161N101	38,043	1,060	SH		DFND		0	0	0
F&G ANNUITIES & LIFE INC COMMON STOCK	COMMON STOCK	30190A104	1,058	23	SH		DFND		0	0	0
EXXON MOBIL CORP COM	COMMON STOCK	30231G102	308,531	3,086	SH		SOLE		0	0	0
EXXON MOBIL CORP COM	COMMON STOCK	30231G102	39,992	400	SH		DFND		0	0	0
META PLATFORMS, INC.	COMMON STOCK	30303M102	93,795	265	SH		SOLE		0	0	0
FASTENAL CO COM	COMMON STOCK	311900104	110,109	1,700	SH		SOLE		0	0	0
FASTENAL CO COM	COMMON STOCK	311900104	29,146	450	SH		DFND		0	0	0
FEDEX CORP COM	COMMON STOCK	31428X106	150,509	595	SH		SOLE		0	0	0
FIDELITY NATIONAL FINANCIAL FNF GROUP COM	COMMON STOCK	31620R303	86,221	1,690	SH		SOLE		0	0	0
FIDELITY NATIONAL FINANCIAL FNF GROUP COM	COMMON STOCK	31620R303	17,857	350	SH		DFND		0	0	0
FIFTH THIRD BANCORP	COMMON STOCK	316773100	3,448	100	SH		SOLE		0	0	0
FISERV INC.	COMMON STOCK	337738108	162,729	1,225	SH		SOLE		0	0	0
FISERV INC.	COMMON STOCK	337738108	185,976	1,400	SH		DFND		0	0	0
FISKER INC CL A COM STK	COMMON STOCK	33813J106	350	200	SH		DFND		0	0	0
FORD MTR CO DEL COM PAR $0.01	COMMON STOCK	345370860	54,244	4,450	SH		SOLE		0	0	0
FORD MTR CO DEL COM PAR $0.01	COMMON STOCK	345370860	7,923	650	SH		DFND		0	0	0
FORTIS INC COM	FOREIGN EQUITIES	349553107	4,606	112	SH		DFND		0	0	0
FREEPORT-MCMORAN, INC.	COMMON STOCK	35671D857	44,261	1,040	SH		SOLE		0	0	0
FREEPORT-MCMORAN, INC.	COMMON STOCK	35671D857	12,768	300	SH		DFND		0	0	0
FULTON FINANCIAL CORP	COMMON STOCK	360271100	9,870	600	SH		DFND		0	0	0
GENERAL DYNAMICS CORP	COMMON STOCK	369550108	63,613	245	SH		SOLE		0	0	0
GENERAL ELECTRIC CO COM NEW	COMMON STOCK	369604301	14,038	110	SH		SOLE		0	0	0
GENERAL MILLS INC	COMMON STOCK	370334104	142,361	2,186	SH		SOLE		0	0	0
GENERAL MILLS INC	COMMON STOCK	370334104	7,489	115	SH		DFND		0	0	0
GENERAL MOTORS	COMMON STOCK	37045V100	10,773	300	SH		SOLE		0	0	0
GENTEX CORP COM	COMMON STOCK	371901109	16,325	500	SH		DFND		0	0	0
GILEAD SCIENCES INC COM	COMMON STOCK	375558103	58,731	725	SH		SOLE		0	0	0
GSK PLC SPONSORED ADR	COMMON STOCK	37733W204	28,051	757	SH		SOLE		0	0	0
GSK PLC SPONSORED ADR	COMMON STOCK	37733W204	2,964	80	SH		DFND		0	0	0
GODADDY INC CL A	COMMON STOCK	380237107	21,232	200	SH		SOLE		0	0	0
GOLDMAN SACHS GROUP	COMMON STOCK	38141G104	38,576	100	SH		SOLE		0	0	0
HP INC COM	COMMON STOCK	40434L105	114,125	3,793	SH		SOLE		0	0	0
HP INC COM	COMMON STOCK	40434L105	24,072	800	SH		DFND		0	0	0
HARLEY-DAVIDSON	COMMON STOCK	412822108	7,368	200	SH		SOLE		0	0	0
HARLEY-DAVIDSON	COMMON STOCK	412822108	25,788	700	SH		DFND		0	0	0
HARTFORD FINL SVCS GROUP INCCOM	COMMON STOCK	416515104	24,114	300	SH		SOLE		0	0	0
HAWAIIAN ELECTRIC INDUSTRIES	COMMON STOCK	419870100	3,547	250	SH		DFND		0	0	0
HERSHEY CO	COMMON STOCK	427866108	4,661	25	SH		SOLE		0	0	0
HEWLETT PACKARD ENTERPRISE CCOM	COMMON STOCK	42824C109	7,636	450	SH		DFND		0	0	0
HOME DEPOT INC COM	COMMON STOCK	437076102	371,141	1,071	SH		SOLE		0	0	0
HOWMET AEROSPACE INC COM	COMMON STOCK	443201108	16,233	300	SH		DFND		0	0	0
HUNTINGTON BANCSHARES INC	COMMON STOCK	446150104	2,544	200	SH		DFND		0	0	0
ILLINOIS TOOL WORKS INC	COMMON STOCK	452308109	749,928	2,863	SH		SOLE		0	0	0
ILLINOIS TOOL WORKS INC	COMMON STOCK	452308109	153,234	585	SH		DFND		0	0	0
INTEL CORP COM	COMMON STOCK	458140100	146,271	2,911	SH		SOLE		0	0	0
INTEL CORP COM	COMMON STOCK	458140100	25,125	500	SH		DFND		0	0	0
INTERNATIONAL BUSINESS MACHSCOM	COMMON STOCK	459200101	535,780	3,276	SH		SOLE		0	0	0
INTERNATIONAL BUSINESS MACHSCOM	COMMON STOCK	459200101	8,177	50	SH		DFND		0	0	0
INTERNATIONAL PAPER CO	COMMON STOCK	460146103	113,115	3,130	SH		SOLE		0	0	0
INTERPUBLIC GROUP COS INC	COMMON STOCK	460690100	101,308	3,105	SH		SOLE		0	0	0
INTERPUBLIC GROUP COS INC	COMMON STOCK	460690100	16,315	500	SH		DFND		0	0	0
ISHARES GOLD TR NPV	ETF/EQUITIES	464285204	11,198	287	SH		SOLE		0	0	0
ISHARES GOLD TR NPV	ETF/EQUITIES	464285204	1,990	51	SH		DFND		0	0	0
ISHARES MORNINGSTAR GROWTH ETF	ETF/EQUITIES	464287119	67,810	1,000	SH		SOLE		0	0	0
ISHARES US TRANSPORTATION ETF	ETF/EQUITIES	464287192	32,802	125	SH		SOLE		0	0	0
ISHARES TRUST MSCI	ETF/EQUITIES	464287234	6,030	150	SH		SOLE		0	0	0
ISHARES TR MSCI EAFE ETF	ETF/EQUITIES	464287465	12,808	170	SH		SOLE		0	0	0
ISHARES TR RUS MDCP VAL ETF	ETF/EQUITIES	464287473	27,908	240	SH		SOLE		0	0	0
ISHARES TR RUS MID CAP ETF	ETF/EQUITIES	464287499	93,261	1,200	SH		SOLE		0	0	0
ISHARES NORTH AMERICAN TECHNOLOGY ETF	ETF/EQUITIES	464287549	255,893	571	SH		SOLE		0	0	0
ISHARES TR RUS 1000 VAL ETF	ETF/EQUITIES	464287598	4,957	30	SH		SOLE		0	0	0
ISHARES S&P MIDCAP 400 GROWTH ETF	ETF/EQUITIES	464287606	653,316	8,247	SH		SOLE		0	0	0
ISHARES S&P MIDCAP 400 GROWTH ETF	ETF/EQUITIES	464287606	2,851	36	SH		DFND		0	0	0
ISHARES RUSSELL 2000 VAL ETF	ETF/EQUITIES	464287630	237,799	1,531	SH		SOLE		0	0	0
ISHARES RUSSELL 2000 VAL ETF	ETF/EQUITIES	464287630	31,065	200	SH		DFND		0	0	0
ISHARES TR RUS 2000 GRW ETF	ETF/EQUITIES	464287648	31,525	125	SH		SOLE		0	0	0
ISHARES TR RUSSELL 2000 ETF	ETF/EQUITIES	464287655	15,654	78	SH		SOLE		0	0	0
ISHARES US UTILS ETF	ETF/EQUITIES	464287697	7,193	90	SH		SOLE		0	0	0
ISHARES S&P MIDCAP 400 VALUE INDEX	ETF/EQUITIES	464287705	402,668	3,531	SH		SOLE		0	0	0
ISHARES S&P MIDCAP 400 VALUE INDEX	ETF/EQUITIES	464287705	11,404	100	SH		DFND		0	0	0
ISHARES DOW JONES TECHNOLOGY	ETF/EQUITIES	464287721	320,619	2,612	SH		SOLE		0	0	0
ISHARES TRUST ETF	ETF/EQUITIES	464287754	153,812	1,345	SH		SOLE		0	0	0
DOW JONES US ENERGY SECTOR	ETF/EQUITIES	464287796	78,511	1,780	SH		SOLE		0	0	0
ISHARES TR CORE S&P SCP ETF	ETF/EQUITIES	464287804	198,631	1,835	SH		SOLE		0	0	0
ISHARES S&P 600 SMALL CAP GROWTH ETF	ETF/EQUITIES	464287887	1,366,888	10,923	SH		SOLE		0	0	0
ISHARES S&P 600 SMALL CAP GROWTH ETF	ETF/EQUITIES	464287887	629,452	5,030	SH		DFND		0	0	0
ISHARES MSCI KLD 400 SOCIAL INDEX FUND	ETF/EQUITIES	464288570	118,365	1,300	SH		DFND		0	0	0
ISHARES TR INTRM GOV CR ETF	ETF/FIXED INCOME	464288612	25,142	240	SH		SOLE		0	0	0
ISHARES TR CORE HIGH DV ETF	ETF/EQUITIES	46429B663	3,671	36	SH		SOLE		0	0	0
ISHARES TR CORE MSCI EAFE	ETF/EQUITIES	46432F842	14,070	200	SH		SOLE		0	0	0
JPMORGAN CHASE & CO COM	COMMON STOCK	46625H100	246,303	1,448	SH		SOLE		0	0	0
JPMORGAN CHASE & CO COM	COMMON STOCK	46625H100	102,060	600	SH		DFND		0	0	0
JOHNSON & JOHNSON COM	COMMON STOCK	478160104	675,537	4,310	SH		SOLE		0	0	0
JOHNSON & JOHNSON COM	COMMON STOCK	478160104	310,970	1,984	SH		DFND		0	0	0
KELLOGG CO	COMMON STOCK	487836108	27,781	497	SH		SOLE		0	0	0
KEYCORP NEW COM	COMMON STOCK	493267108	1,440	100	SH		SOLE		0	0	0
KEYCORP NEW COM	COMMON STOCK	493267108	4,823	335	SH		DFND		0	0	0
KOHL'S CORP.	COMMON STOCK	500255104	21,510	750	SH		SOLE		0	0	0
KRAFT HEINZ CO COM	COMMON STOCK	500754106	3,697	100	SH		DFND		0	0	0
KROGER CO COM	COMMON STOCK	501044101	13,024	285	SH		SOLE		0	0	0
LAM RESEARCH CORP COM	COMMON STOCK	512807108	67,356	86	SH		SOLE		0	0	0
ELI LILLY & CO COM	COMMON STOCK	532457108	40,803	70	SH		SOLE		0	0	0
LOCKHEED MARTIN CORP COM	COMMON STOCK	539830109	333,118	735	SH		SOLE		0	0	0
LOWES COS INC COM	COMMON STOCK	548661107	711,042	3,195	SH		SOLE		0	0	0
LOWES COS INC COM	COMMON STOCK	548661107	189,166	850	SH		DFND		0	0	0
LUMEN TECHNOLOGIES INC COM	COMMON STOCK	550241103	5,460	3,000	SH		DFND		0	0	0
MSC INDL DIRECT INC CL A	COMMON STOCK	553530106	161,708	1,597	SH		SOLE		0	0	0
MSC INDL DIRECT INC CL A	COMMON STOCK	553530106	75,945	750	SH		DFND		0	0	0
MARATHON PETROLEUM CORP	COMMON STOCK	56585A102	167,943	1,132	SH		SOLE		0	0	0
MARRIOTT INTERNATIONAL INC	COMMON STOCK	571903202	11,275	50	SH		SOLE		0	0	0
MARRIOTT INTERNATIONAL INC	COMMON STOCK	571903202	112,755	500	SH		DFND		0	0	0
MCCORMICK & CO INC	COMMON STOCK	579780206	6,842	100	SH		SOLE		0	0	0
MCCORMICK & CO INC	COMMON STOCK	579780206	34,210	500	SH		DFND		0	0	0
MCDONALDS CORP COM	COMMON STOCK	580135101	29,651	100	SH		DFND		0	0	0
MERCK & CO INC NEW	COMMON STOCK	58933Y105	328,693	3,015	SH		SOLE		0	0	0
MERCK & CO INC NEW	COMMON STOCK	58933Y105	102,914	944	SH		DFND		0	0	0
METLIFE INC.	COMMON STOCK	59156R108	76,511	1,157	SH		SOLE		0	0	0
MICROSOFT CORP COM	COMMON STOCK	594918104	1,762,442	4,687	SH		SOLE		0	0	0
MICROSOFT CORP COM	COMMON STOCK	594918104	416,264	1,107	SH		DFND		0	0	0
MICRON TECHNOLOGY INC	COMMON STOCK	595112103	78,085	915	SH		SOLE		0	0	0
MICRON TECHNOLOGY INC	COMMON STOCK	595112103	8,534	100	SH		DFND		0	0	0
MID PENN BANCORP INC COM	COMMON STOCK	59540G107	28,492	1,174	SH		SOLE		0	0	0
MOSAIC CO NEW COM	COMMON STOCK	61945C103	3,572	100	SH		DFND		0	0	0
MOTOROLA SOLUTIONS INC.	COMMON STOCK	620076307	13,149	42	SH		DFND		0	0	0
NEXTERA ENERGY INC COM	COMMON STOCK	65339F101	227,167	3,740	SH		DFND		0	0	0
NIKE INC CL B	COMMON STOCK	654106103	62,426	575	SH		SOLE		0	0	0
NOKIA CORP SPONSORED ADR	FOREIGN EQUITIES	654902204	307	90	SH		DFND		90	0	0
NORTHROP GRUMMAN CORP COM	COMMON STOCK	666807102	159,160	340	SH		SOLE		0	0	0
NORWOOD FINANCIAL CORP	COMMON STOCK	669549107	7,833,219	238,092	SH		SOLE		0	0	0
NORWOOD FINANCIAL CORP	COMMON STOCK	669549107	6,155,885	187,109	SH		DFND		184,064	0	0
NUCOR CORP	COMMON STOCK	670346105	248,006	1,425	SH		SOLE		0	0	0
NUCOR CORP	COMMON STOCK	670346105	60,914	350	SH		DFND		0	0	0
OCCIDENTAL PETROLEUM CORP.	COMMON STOCK	674599105	28,357	475	SH		SOLE		0	0	0
OCCIDENTAL PETROLEUM CORP.	COMMON STOCK	674599105	2,985	50	SH		DFND		0	0	0
OCCIDENTAL PETE CORP W EXP 99/99/9999	WARRANTS & RIGHTS	674599162	4,980	128	SH		SOLE		0	0	0
OCCIDENTAL PETE CORP W EXP 99/99/9999	WARRANTS & RIGHTS	674599162	700	18	SH		DFND		0	0	0
OCEANFIRST FINANCIAL CORP	COMMON STOCK	675234108	38,192	2,200	SH		DFND		0	0	0
OLD REP INTL CORP COM	COMMON STOCK	680223104	24,981	850	SH		SOLE		0	0	0
OLIN CORP	COMMON STOCK	680665205	64,793	1,201	SH		SOLE		0	0	0
OLIN CORP	COMMON STOCK	680665205	5,395	100	SH		DFND		0	0	0
OMNICOM GROUP INC COM	COMMON STOCK	681919106	101,215	1,170	SH		SOLE		0	0	0
ORACLE CORP COM	COMMON STOCK	68389X105	463,888	4,400	SH		SOLE		0	0	0
ORACLE CORP COM	COMMON STOCK	68389X105	250,394	2,375	SH		DFND		0	0	0
ORGANON & CO COMMON STOCK	COMMON STOCK	68622V106	4,106	285	SH		SOLE		0	0	0
ORGANON & CO COMMON STOCK	COMMON STOCK	68622V106	1,210	84	SH		DFND		0	0	0
OTIS WORLDWIDE CORP COM	COMMON STOCK	68902V107	25,496	285	SH		SOLE		0	0	0
OTIS WORLDWIDE CORP COM	COMMON STOCK	68902V107	4,473	50	SH		DFND		0	0	0
PNC FINL SVCS GROUP INC COM	COMMON STOCK	693475105	114,893	742	SH		SOLE		0	0	0
PPL CORP COM	COMMON STOCK	69351T106	176,862	6,529	SH		SOLE		0	0	0
PPL CORP COM	COMMON STOCK	69351T106	2,709	100	SH		DFND		0	0	0
PACCAR INC COM	COMMON STOCK	693718108	21,970	225	SH		SOLE		0	0	0
PAYCHEX INC COM	COMMON STOCK	704326107	11,911	100	SH		SOLE		0	0	0
PEPSICO INC COM	COMMON STOCK	713448108	231,149	1,361	SH		SOLE		0	0	0
PEPSICO INC COM	COMMON STOCK	713448108	112,773	664	SH		DFND		0	0	0
PERKIN ELMER	COMMON STOCK	714046109	49,187	450	SH		SOLE		0	0	0
PERKIN ELMER	COMMON STOCK	714046109	51,375	470	SH		DFND		0	0	0
PFIZER INC COM	COMMON STOCK	717081103	486,676	16,905	SH		SOLE		0	0	0
PFIZER INC COM	COMMON STOCK	717081103	43,500	1,511	SH		DFND		0	0	0
PHILIP MORRIS INTL INC	COMMON STOCK	718172109	88,717	943	SH		SOLE		0	0	0
PHILLIPS 66 COM	COMMON STOCK	718546104	47,264	355	SH		SOLE		0	0	0
PROCTER & GAMBLE CO COM	COMMON STOCK	742718109	384,664	2,625	SH		SOLE		0	0	0
PROCTER & GAMBLE CO COM	COMMON STOCK	742718109	43,962	300	SH		DFND		0	0	0
PRUDENTIAL FINL INC COM	COMMON STOCK	744320102	5,185	50	SH		SOLE		0	0	0
PUBLIC SVC ENTERPRISE GROUP COM	COMMON STOCK	744573106	31,186	510	SH		SOLE		0	0	0
PUBLIC SVC ENTERPRISE GROUP COM	COMMON STOCK	744573106	17,611	288	SH		DFND		0	0	0
QUALCOMM INC COM	COMMON STOCK	747525103	39,772	275	SH		SOLE		0	0	0
QUEST DIAGNOSTICS INC.	COMMON STOCK	74834L100	53,083	385	SH		SOLE		0	0	0
RMR GROUP INC CL A	COMMON STOCK	74967R106	3,104	110	SH		DFND		0	0	0
RPM INTL INC COM	COMMON STOCK	749685103	32,929	295	SH		SOLE		0	0	0
RTX CORPORATION	COMMON STOCK	75513E101	71,515	850	SH		SOLE		0	0	0
RTX CORPORATION	COMMON STOCK	75513E101	4,207	50	SH		DFND		0	0	0
REGIONS FINANCIAL CORP NEW COM	COMMON STOCK	7591EP100	1,937	100	SH		SOLE		0	0	0
RIO TINTO PLC SPONSORED ADR	COMMON STOCK	767204100	14,890	200	SH		DFND		0	0	0
SPDR S&P 500 ETF TRUST	ETF/EQUITIES	78462F103	223,387	470	SH		SOLE		0	0	0
SPDR S&P 500 ETF TRUST	ETF/EQUITIES	78462F103	47,530	100	SH		DFND		0	0	0
SPDR GOLD TRUST	ETF/EQUITIES	78463V107	117,561	615	SH		SOLE		0	0	0
SPDR SER TR S&P TRANSN ETF	ETF/EQUITIES	78464A532	16,697	200	SH		SOLE		0	0	0
SPDR S&P BIOTECH ETF	ETF/EQUITIES	78464A870	17,854	200	SH		SOLE		0	0	0
SPDR S&P MID CAP 400 ETF	ETF/EQUITIES	78467Y107	23,845	47	SH		SOLE		0	0	0
SPDR SER TR S&P OILGAS EXP	ETF/EQUITIES	78468R556	11,224	82	SH		SOLE		0	0	0
SAN JUAN BASIN RTY TR UNIT BEN INT	COMMON STOCK	798241105	1,534	302	SH		DFND		0	0	0
SANOFI SPONSORED ADR	FOREIGN EQUITIES	80105N105	28,439	572	SH		SOLE		0	0	0
SCHLUMBERGER LTD COM	FOREIGN EQUITIES	806857108	11,709	225	SH		SOLE		0	0	0
SELECT SECTOR SPDR FUND MATERIALS	ETF/EQUITIES	81369Y100	103,670	1,212	SH		SOLE		0	0	0
SELECT SECTOR SPDR FUND MATERIALS	ETF/EQUITIES	81369Y100	10,692	125	SH		DFND		0	0	0
SELECT SECTOR SPDR TR SBI HEALTHCARE	ETF/EQUITIES	81369Y209	808,711	5,930	SH		SOLE		0	0	0
SELECT SECTOR SPDR TR SBI HEALTHCARE	ETF/EQUITIES	81369Y209	41,595	305	SH		DFND		0	0	0
SELECT SECTOR SPDR TR SBI CONS STPLS	ETF/EQUITIES	81369Y308	292,070	4,055	SH		SOLE		0	0	0
SELECT SECTOR SPDR TR SBI CONS STPLS	ETF/EQUITIES	81369Y308	13,325	185	SH		DFND		0	0	0
CONSUMER DISCRETIONARY SELECT SECTOR SPDR	ETF/EQUITIES	81369Y407	310,403	1,736	SH		SOLE		0	0	0
CONSUMER DISCRETIONARY SELECT SECTOR SPDR	ETF/EQUITIES	81369Y407	3,576	20	SH		DFND		0	0	0
SELECT SECTOR SPDRFUND ENERGY	ETF/EQUITIES	81369Y506	144,620	1,725	SH		SOLE		0	0	0
SELECT SECTOR SPDRFUND ENERGY	ETF/EQUITIES	81369Y506	8,803	105	SH		DFND		0	0	0
FINANCIAL SELECT SPDR	ETF/EQUITIES	81369Y605	155,993	4,150	SH		SOLE		0	0	0
SELECT SECTOR SPDR TR TECHNOLOGY	ETF/EQUITIES	81369Y803	819,562	4,258	SH		SOLE		0	0	0
SELECT SECTOR SPDR TR TECHNOLOGY	ETF/EQUITIES	81369Y803	19,248	100	SH		DFND		0	0	0
SELECT SECTOR SPDR TR COMMUNICATION	ETF/EQUITIES	81369Y852	59,203	815	SH		SOLE		0	0	0
SELECT SECTOR SPDR FUND	ETF/EQUITIES	81369Y886	17,731	280	SH		SOLE		0	0	0
SERVICE PPTYS TR COM SH BEN INT	COMMON STOCK	81761L102	4,842	567	SH		DFND		0	0	0
SONOCO PRODS CO COM	COMMON STOCK	835495102	75,411	1,350	SH		SOLE		0	0	0
SOUTHERN CO.	COMMON STOCK	842587107	165,108	2,355	SH		SOLE		0	0	0
SOUTHERN CO.	COMMON STOCK	842587107	126,407	1,803	SH		DFND		0	0	0
STARBUCKS CORP	COMMON STOCK	855244109	97,924	1,020	SH		SOLE		0	0	0
STONEX GROUP INC COM	COMMON STOCK	861896108	5,537	75	SH		SOLE		0	0	0
STRYKER CORP COM	COMMON STOCK	863667101	44,917	150	SH		DFND		0	0	0
SUNCOR ENERGY INC NEW	FOREIGN EQUITIES	867224107	9,612	300	SH		DFND		0	0	0
SYLVAMO CORP COMMON STOCK	COMMON STOCK	871332102	4,418	90	SH		SOLE		0	0	0
SYNOVUS FINL CORP COM NEW	COMMON STOCK	87161C501	3,764	100	SH		SOLE		0	0	0
SYSCO CORP.	COMMON STOCK	871829107	463,266	6,335	SH		SOLE		0	0	0
SYSCO CORP.	COMMON STOCK	871829107	62,160	850	SH		DFND		0	0	0
TARGET CORP COM	COMMON STOCK	87612E106	66,224	465	SH		SOLE		0	0	0
TARGET CORP COM	COMMON STOCK	87612E106	28,484	200	SH		DFND		0	0	0
TESLA INC COM	COMMON STOCK	88160R101	7,454	30	SH		DFND		0	0	0
THERMO FISHER SCIENTIFIC	COMMON STOCK	883556102	82,270	155	SH		SOLE		0	0	0
THERMO FISHER SCIENTIFIC	COMMON STOCK	883556102	76,962	145	SH		DFND		0	0	0
3M CO COM	COMMON STOCK	88579Y101	100,570	920	SH		SOLE		0	0	0
3M CO COM	COMMON STOCK	88579Y101	28,969	265	SH		DFND		0	0	0
TRAVELERS COMPANIES INC COM	COMMON STOCK	89417E109	59,051	310	SH		SOLE		0	0	0
TRUIST FINL CORP	COMMON STOCK	89832Q109	23,952	649	SH		SOLE		0	0	0
TRUIST FINL CORP	COMMON STOCK	89832Q109	1,845	50	SH		DFND		0	0	0
UGI CORP NEW COM	COMMON STOCK	902681105	50,155	2,040	SH		SOLE		0	0	0
US BANCORP	COMMON STOCK	902973304	4,327	100	SH		SOLE		0	0	0
UNION PAC CORP COM	COMMON STOCK	907818108	38,316	156	SH		SOLE		0	0	0
UNITED PARCEL SERVICE INC CL B	COMMON STOCK	911312106	73,896	470	SH		SOLE		0	0	0
UNITED PARCEL SERVICE INC CL B	COMMON STOCK	911312106	7,861	50	SH		DFND		0	0	0
US STEEL CORPORATION	COMMON STOCK	912909108	97,298	2,000	SH		SOLE		0	0	0
UNITEDHEALTH GROUP INC	COMMON STOCK	91324P102	69,485	132	SH		SOLE		0	0	0
VALERO ENERGY	COMMON STOCK	91913Y100	2,600	20	SH		SOLE		0	0	0
VALERO ENERGY	COMMON STOCK	91913Y100	13,000	100	SH		DFND		0	0	0
VALLEY NATIONAL BANCORP	COMMON STOCK	919794107	34,230	3,152	SH		SOLE		0	0	0
VANECK ETF TRUST ROBOTICS ETF	ETF/EQUITIES	92189Y402	101,846	2,565	SH		SOLE		0	0	0
VANGUARD DIVIDEND APPRECIATION ETF	ETF/EQUITIES	921908844	947,421	5,560	SH		SOLE		0	0	0
VANGUARD DIVIDEND APPRECIATION ETF	ETF/EQUITIES	921908844	141,432	830	SH		DFND		0	0	0
VANGUARD US MOMENTUM ETF	ETF/EQUITIES	921935508	238,015	1,813	SH		SOLE		0	0	0
VANGUARD TAX MANAGED INTL FDFTSE DEV MKT ETF	ETF/EQUITIES	921943858	388,752	8,116	SH		SOLE		0	0	0
VANGUARD HIGH DIVIDEND YIELD ETF	ETF/EQUITIES	921946406	560,696	5,023	SH		SOLE		0	0	0
VANGUARD HIGH DIVIDEND YIELD ETF	ETF/EQUITIES	921946406	31,367	281	SH		DFND		0	0	0
VANGUARD ENERGY ETF	ETF/EQUITIES	92204A306	80,922	690	SH		SOLE		0	0	0
VANGUARD WORLD FDS FINANCIALS ETF	ETF/EQUITIES	92204A405	470,144	5,096	SH		SOLE		0	0	0
VANGUARD WORLD FDS FINANCIALS ETF	ETF/EQUITIES	92204A405	9,226	100	SH		DFND		0	0	0
VANGUARD HEALTHCARE ETF	ETF/EQUITIES	92204A504	236,907	945	SH		SOLE		0	0	0
VANGUARD INDUSTRIALS ETF	ETF/EQUITIES	92204A603	313,227	1,421	SH		SOLE		0	0	0
VANGUARD INDUSTRIALS ETF	ETF/EQUITIES	92204A603	24,908	113	SH		DFND		0	0	0
VANGUARD MATERIALS ETF	ETF/EQUITIES	92204A801	218,995	1,153	SH		SOLE		0	0	0
VANGUARD MATERIALS ETF	ETF/EQUITIES	92204A801	5,888	31	SH		DFND		0	0	0
VANGUARD UTILITIES ETF	ETF/EQUITIES	92204A876	158,443	1,156	SH		SOLE		0	0	0
VANGUARD UTILITIES ETF	ETF/EQUITIES	92204A876	8,224	60	SH		DFND		0	0	0
VANGUARD MSCI EMERGING MARKETS ETF	ETF/EQUITIES	922042858	196,232	4,776	SH		SOLE		0	0	0
VANGUARD MSCI EMERGING MARKETS ETF	ETF/EQUITIES	922042858	79,383	1,932	SH		DFND		0	0	0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD	ETF/FIXED INCOME	92206C409	554,563	7,168	SH		SOLE		0	0	0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD	ETF/FIXED INCOME	92206C409	122,631	1,585	SH		DFND		0	0	0
VANGUARD SCOTTSDALE FDS INT-TERM CORP	ETF/FIXED INCOME	92206C870	176,764	2,175	SH		SOLE		0	0	0
VANGUARD SCOTTSDALE FDS INT-TERM CORP	ETF/FIXED INCOME	92206C870	32,512	400	SH		DFND		0	0	0
VANGUARD INDEX FDS REIT ETF	ETF/EQUITIES	922908553	76,783	869	SH		SOLE		0	0	0
VANGUARD SMALL CAP GROWTH ETF	ETF/EQUITIES	922908595	145,542	602	SH		SOLE		0	0	0
VANGUARD SMALL CAP GROWTH ETF	ETF/EQUITIES	922908595	2,659	11	SH		DFND		0	0	0
VANGUARD EXTENDED MID BLEND ETF	ETF/EQUITIES	922908652	23,840	145	SH		SOLE		0	0	0
VANGUARD LARGE CAP GROWTH ETF	ETF/EQUITIES	922908736	2,939,028	9,454	SH		SOLE		0	0	0
VANGUARD LARGE CAP GROWTH ETF	ETF/EQUITIES	922908736	65,284	210	SH		DFND		0	0	0
VANGUARD LARGE CAP VALUE ETF	ETF/EQUITIES	922908744	1,504,405	10,063	SH		SOLE		0	0	0
VANGUARD LARGE CAP VALUE ETF	ETF/EQUITIES	922908744	37,673	252	SH		DFND		0	0	0
VANGUARD TOTAL STOCK MARKET ETF	ETF/EQUITIES	922908769	462,568	1,950	SH		SOLE		0	0	0
VANGUARD TOTAL STOCK MARKET ETF	ETF/EQUITIES	922908769	65,235	275	SH		DFND		0	0	0
VERIZON COMMUNICATIONS COM	COMMON STOCK	92343V104	185,670	4,925	SH		SOLE		0	0	0
VERIZON COMMUNICATIONS COM	COMMON STOCK	92343V104	68,952	1,829	SH		DFND		480	0	0
VIATRIS INC COM	COMMON STOCK	92556V106	14,761	1,365	SH		SOLE		0	0	0
VIATRIS INC COM	COMMON STOCK	92556V106	929	86	SH		DFND		0	0	0
VISA INC COM CL A	COMMON STOCK	92826C839	19,525	75	SH		SOLE		0	0	0
WK KELLOGG CO COM SHS	COMMON STOCK	92942W107	1,600	122	SH		SOLE		0	0	0
WAL MART STORES INC COM	COMMON STOCK	931142103	647,933	4,110	SH		SOLE		0	0	0
WAL MART STORES INC COM	COMMON STOCK	931142103	25,224	160	SH		DFND		0	0	0
WALGREENS BOOTS ALLIANCE INCCOM	COMMON STOCK	931427108	19,445	745	SH		SOLE		0	0	0
WARNER BROS DISCOVERY INC COM SER A	COMMON STOCK	934423104	7,644	672	SH		SOLE		0	0	0
WARNER BROS DISCOVERY INC COM SER A	COMMON STOCK	934423104	9,638	847	SH		DFND		412	0	0
WASTE MANAGEMENT INC	COMMON STOCK	94106L109	161,190	900	SH		SOLE		0	0	0
WATTS WATER TECHNOLOGIES INC	COMMON STOCK	942749102	52,085	250	SH		SOLE		0	0	0
WELLS FARGO	COMMON STOCK	949746101	7,382	150	SH		SOLE		0	0	0
WELLS FARGO	COMMON STOCK	949746101	4,922	100	SH		DFND		0	0	0
WESTERN DIGITAL CORP COM	COMMON STOCK	958102105	5,236	100	SH		SOLE		0	0	0
WESTERN UNION, COMMON	COMMON STOCK	959802109	32,243	2,705	SH		SOLE		0	0	0
WESTERN UNION, COMMON	COMMON STOCK	959802109	4,768	400	SH		DFND		0	0	0
WOODSIDE ENERGY GROUP LTD SPONSORED ADR	FOREIGN EQUITIES	980228308	1,518	72	SH		DFND		0	0	0
YUM BRANDS INC	COMMON STOCK	988498101	13,066	100	SH		DFND		0	0	0