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:

03-31-2024

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	04-16-2024
[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:	396
	Form 13F Information Table Value Total:	69,257,708
		(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
AMDOCS LIMITED	FOREIGN EQUITIES	G02602103	32,533	360	SH		SOLE		360	0	0
AXALTA COATING SYS LTD COM	FOREIGN EQUITIES	G0750C108	3,438	100	SH		SOLE		100	0	0
ACCENTURE PLC IRELAND SHS CLASS A	COMMON STOCK	G1151C101	43,671	126	SH		SOLE		126	0	0
LINDE PLC SHS	FOREIGN EQUITIES	G54950103	92,864	200	SH		DFND		200	0	0
MEDTRONIC PLC SHS	FOREIGN EQUITIES	G5960L103	26,145	300	SH		SOLE		300	0	0
MEDTRONIC PLC SHS	FOREIGN EQUITIES	G5960L103	10,893	125	SH		DFND		125	0	0
NORWEGIAN CRUISE LINE HLDG LSHS	FOREIGN EQUITIES	G66721104	2,093	100	SH		SOLE		100	0	0
SFL CORPORATION LTD SHS	FOREIGN EQUITIES	G7738W106	12,969	984	SH		SOLE		984	0	0
CHUBB LIMITED COM	FOREIGN EQUITIES	H1467J104	129,564	500	SH		SOLE		500	0	0
ITURAN LOCATION & CONTROL LTD	FOREIGN EQUITIES	M6158M104	2,795	100	SH		DFND		100	0	0
LYONDELLBASELL INDUSTRIES N SHS - A -	FOREIGN EQUITIES	N53745100	263,369	2,575	SH		SOLE		2,575	0	0
LYONDELLBASELL INDUSTRIES N SHS - A -	FOREIGN EQUITIES	N53745100	10,228	100	SH		DFND		100	0	0
ROYAL CARIBBEAN CRUISES LTD COM	FOREIGN EQUITIES	V7780T103	4,865	35	SH		SOLE		35	0	0
AFLAC INC.	COMMON STOCK	001055102	42,930	500	SH		DFND		500	0	0
AT&T INC COM	COMMON STOCK	00206R102	95,188	5,412	SH		SOLE		5,412	0	0
AT&T INC COM	COMMON STOCK	00206R102	66,859	3,801	SH		DFND		2,097	1,704	0
ARK ETF TR INNOVATION ETF	ETF/EQUITIES	00214Q104	2,504	50	SH		DFND		50	0	0
ARK ETF TR ARK SPACE EXPL	ETF/EQUITIES	00214Q807	1,494	100	SH		DFND		100	0	0
ABBOTT LABS COM	COMMON STOCK	002824100	749,587	6,595	SH		SOLE		6,595	0	0
ABBOTT LABS COM	COMMON STOCK	002824100	62,513	550	SH		DFND		550	0	0
ABBVIE INC COM	COMMON STOCK	00287Y109	1,279,248	7,025	SH		SOLE		7,025	0	0
ABBVIE INC COM	COMMON STOCK	00287Y109	109,260	600	SH		DFND		600	0	0
AIR PRODUCTS & CHEMICALS INC	COMMON STOCK	009158106	48,454	200	SH		DFND		200	0	0
ALCOA CORP COM	COMMON STOCK	013872106	3,379	100	SH		SOLE		100	0	0
ALLETE INC COM NEW	COMMON STOCK	018522300	14,907	250	SH		DFND		250	0	0
ALPHABET INC USD.001	COMMON STOCK	02079K107	143,877	945	SH		SOLE		945	0	0
ALPHABET INC USD.001	COMMON STOCK	02079K305	96,595	640	SH		SOLE		640	0	0
ALTRIA GROUP INC.	COMMON STOCK	02209S103	99,473	2,281	SH		SOLE		2,281	0	0
AMAZON.COM INC	COMMON STOCK	023135106	14,430	80	SH		SOLE		80	0	0
AMEREN CORP COM	COMMON STOCK	023608102	42,446	574	SH		DFND		574	0	0
AMERICAN ELEC PWR INC COM	COMMON STOCK	025537101	121,659	1,413	SH		SOLE		1,413	0	0
AMERICAN ELEC PWR INC COM	COMMON STOCK	025537101	16,703	194	SH		DFND		194	0	0
AMGEN INC COM	COMMON STOCK	031162100	42,648	150	SH		SOLE		150	0	0
ANALOG DEVICES INC COM	COMMON STOCK	032654105	582,090	2,943	SH		SOLE		2,943	0	0
ANALOG DEVICES INC COM	COMMON STOCK	032654105	69,226	350	SH		DFND		350	0	0
ELEVANCE HEALTH INC	COMMON STOCK	036752103	12,963	25	SH		SOLE		25	0	0
APA CORPORATION COM	COMMON STOCK	03743Q108	6,876	200	SH		DFND		200	0	0
APPLE INCORPORATED	COMMON STOCK	037833100	1,271,516	7,415	SH		SOLE		7,415	0	0
APPLIED MATERIALS INC	COMMON STOCK	038222105	1,289,960	6,255	SH		SOLE		6,255	0	0
APPLIED MATERIALS INC	COMMON STOCK	038222105	626,937	3,040	SH		DFND		3,040	0	0
AUTOMATIC DATA PROCESSING INC	COMMON STOCK	053015103	6,243	25	SH		SOLE		25	0	0
AVERY DENNISON CORP.	COMMON STOCK	053611109	335,985	1,505	SH		SOLE		1,505	0	0
AVERY DENNISON CORP.	COMMON STOCK	053611109	128,367	575	SH		DFND		575	0	0
BP PLC SPONSORED ADR	FOREIGN EQUITIES	055622104	62,925	1,670	SH		SOLE		1,670	0	0
BANK OF AMERICA CORPORATION COM	COMMON STOCK	060505104	116,670	3,078	SH		SOLE		3,078	0	0
BANK OF AMERICA CORPORATION COM	COMMON STOCK	060505104	44,884	1,184	SH		DFND		1,184	0	0
BANK NEW YORK MELLON CORP COM	COMMON STOCK	064058100	48,449	841	SH		SOLE		841	0	0
BANK NEW YORK MELLON CORP COM	COMMON STOCK	064058100	15,612	271	SH		DFND		271	0	0
BARRICK GOLD CORP	FOREIGN EQUITIES	067901108	8,315	500	SH		DFND		500	0	0
BAXTER INTL INC COM	COMMON STOCK	071813109	2,136	50	SH		SOLE		50	0	0
BERKSHIRE HATHAWAY B	COMMON STOCK	084670702	1,190,021	2,830	SH		SOLE		2,830	0	0
BERKSHIRE HATHAWAY B	COMMON STOCK	084670702	54,665	130	SH		DFND		130	0	0
BEST BUY INC COM	COMMON STOCK	086516101	16,406	200	SH		SOLE		200	0	0
BHP BILLITON LIMITED	FOREIGN EQUITIES	088606108	11,536	200	SH		DFND		200	0	0
BIOGEN IDEC INC	COMMON STOCK	09062X103	76,543	355	SH		SOLE		355	0	0
BLACKROCK INC COM	COMMON STOCK	09247X101	77,533	93	SH		SOLE		93	0	0
BRISTOL MYERS SQUIBB CO COM	COMMON STOCK	110122108	145,198	2,678	SH		SOLE		2,678	0	0
BRISTOL MYERS SQUIBB CO COM	COMMON STOCK	110122108	20,332	375	SH		DFND		375	0	0
BROADCOM INC COM	COMMON STOCK	11135F101	139,167	105	SH		SOLE		105	0	0
C H ROBINSON WORLDWIDE INC COM NEW	COMMON STOCK	12541W209	47,959	630	SH		SOLE		630	0	0
CIGNA CORP NEW COM	COMMON STOCK	125523100	19,973	55	SH		SOLE		55	0	0
CVS HEALTH CORP COM	COMMON STOCK	126650100	250,603	3,142	SH		SOLE		3,142	0	0
CVS HEALTH CORP COM	COMMON STOCK	126650100	120,437	1,510	SH		DFND		1,510	0	0
CAPITAL ONE FINL CORP COM	COMMON STOCK	14040H105	119,111	800	SH		SOLE		800	0	0
CARDINAL HEALTH INC COM	COMMON STOCK	14149Y108	170,087	1,520	SH		SOLE		1,520	0	0
CARDINAL HEALTH INC COM	COMMON STOCK	14149Y108	11,190	100	SH		DFND		100	0	0
CARNIVAL CORP UNIT 99/99/9999	COMMON STOCK	143658300	4,902	300	SH		SOLE		300	0	0
CARPENTER TECHNOLOGY CORP	COMMON STOCK	144285103	40,495	567	SH		SOLE		567	0	0
CARRIER GLOBAL CORPORATION COM	COMMON STOCK	14448C104	34,296	590	SH		SOLE		590	0	0
CARRIER GLOBAL CORPORATION COM	COMMON STOCK	14448C104	5,813	100	SH		DFND		100	0	0
CATERPILLAR INC	COMMON STOCK	149123101	1,412,169	3,854	SH		SOLE		3,854	0	0
CATERPILLAR INC	COMMON STOCK	149123101	128,247	350	SH		DFND		350	0	0
CELANESE CORP DEL COM	COMMON STOCK	150870103	181,307	1,055	SH		SOLE		1,055	0	0
CHEVRON CORPORATION	COMMON STOCK	166764100	233,446	1,480	SH		SOLE		1,480	0	0
CHEVRON CORPORATION	COMMON STOCK	166764100	7,887	50	SH		DFND		50	0	0
CHURCH & DWIGHT INC	COMMON STOCK	171340102	5,215	50	SH		SOLE		50	0	0
CISCO SYS INC COM	COMMON STOCK	17275R102	541,262	10,847	SH		SOLE		10,847	0	0
CISCO SYS INC COM	COMMON STOCK	17275R102	72,654	1,456	SH		DFND		1,456	0	0
CINTAS CORP COM	COMMON STOCK	172908105	607,320	884	SH		SOLE		884	0	0
CINTAS CORP COM	COMMON STOCK	172908105	470,608	685	SH		DFND		685	0	0
CITIGROUP INC COMMON	COMMON STOCK	172967424	86,954	1,375	SH		SOLE		1,375	0	0
CITIGROUP INC COMMON	COMMON STOCK	172967424	4,679	74	SH		DFND		74	0	0
COCA COLA CO COM	COMMON STOCK	191216100	381,638	6,238	SH		SOLE		6,238	0	0
COCA COLA CO COM	COMMON STOCK	191216100	81,063	1,325	SH		DFND		1,325	0	0
COLGATE PALMOLIVE	COMMON STOCK	194162103	83,741	930	SH		SOLE		930	0	0
COMCAST CORP. CLASS A	COMMON STOCK	20030N101	51,791	1,195	SH		SOLE		1,195	0	0
COMPASS DIVERSIFIED HOLDINGS SHARES	PARTNERSHIPS	20451Q104	19,248	800	SH		DFND		800	0	0
CONOCOPHILLIPS	COMMON STOCK	20825C104	142,551	1,120	SH		SOLE		1,120	0	0
CONOCOPHILLIPS	COMMON STOCK	20825C104	42,638	335	SH		DFND		335	0	0
CONSOLIDATED EDISON INC COM	COMMON STOCK	209115104	182,524	2,010	SH		SOLE		2,010	0	0
CONSOLIDATED EDISON INC COM	COMMON STOCK	209115104	79,458	875	SH		DFND		875	0	0
CONSTELLATION ENERGY CORP COM	COMMON STOCK	21037T109	70,612	382	SH		SOLE		382	0	0
CONSTELLATION ENERGY CORP COM	COMMON STOCK	21037T109	59,152	320	SH		DFND		320	0	0
CORNING INC COM	COMMON STOCK	219350105	6,590	200	SH		DFND		200	0	0
CUMMINS INC COM	COMMON STOCK	231021106	434,883	1,476	SH		SOLE		1,476	0	0
CUMMINS INC COM	COMMON STOCK	231021106	7,366	25	SH		DFND		25	0	0
DARDEN RESTAURANTS INC COM	COMMON STOCK	237194105	50,145	300	SH		SOLE		300	0	0
DARDEN RESTAURANTS INC COM	COMMON STOCK	237194105	16,715	100	SH		DFND		100	0	0
DEERE & CO.	COMMON STOCK	244199105	579,121	1,410	SH		SOLE		1,410	0	0
DEERE & CO.	COMMON STOCK	244199105	22,590	55	SH		DFND		55	0	0
DISCOVER FINL SVCS COM	COMMON STOCK	254709108	76,685	585	SH		SOLE		585	0	0
DOW INC COM	COMMON STOCK	260557103	74,144	1,280	SH		SOLE		1,280	0	0
DOW INC COM	COMMON STOCK	260557103	9,848	170	SH		DFND		170	0	0
DUKE ENERGY CORP NEW COM NEW	COMMON STOCK	26441C204	29,303	303	SH		SOLE		303	0	0
EOG RES INC COM	COMMON STOCK	26875P101	36,690	287	SH		SOLE		287	0	0
ETF SER SOLUTIONS US GLB JETS	ETF/EQUITIES	26922A842	5,775	275	SH		SOLE		275	0	0
EMERSON ELEC CO COM	COMMON STOCK	291011104	411,707	3,630	SH		SOLE		3,630	0	0
EMERSON ELEC CO COM	COMMON STOCK	291011104	14,177	125	SH		DFND		125	0	0
ENBRIDGE INC COM	FOREIGN EQUITIES	29250N105	3,545	98	SH		DFND		98	0	0
ENERGY TRANSFER L P COM UT LTD PTN	COMMON STOCK	29273V100	88,858	5,649	SH		SOLE		5,649	0	0
ENTERGY CORP NEW COM	COMMON STOCK	29364G103	22,192	210	SH		DFND		210	0	0
ENTERPRISE PRODS PARTNERS L COM	PARTNERSHIPS	293792107	11,496	394	SH		DFND		394	0	0
ESSENTIAL UTILS INC COM	COMMON STOCK	29670G102	6,482	175	SH		SOLE		175	0	0
ESSENTIAL UTILS INC COM	COMMON STOCK	29670G102	7,408	200	SH		DFND		200	0	0
EXELON CORP COM	COMMON STOCK	30161N101	43,194	1,150	SH		SOLE		1,150	0	0
EXELON CORP COM	COMMON STOCK	30161N101	39,813	1,060	SH		DFND		1,060	0	0
F&G ANNUITIES & LIFE INC COMMON STOCK	COMMON STOCK	30190A104	932	23	SH		DFND		23	0	0
EXXON MOBIL CORP COM	COMMON STOCK	30231G102	430,779	3,706	SH		SOLE		3,706	0	0
EXXON MOBIL CORP COM	COMMON STOCK	30231G102	46,496	400	SH		DFND		400	0	0
META PLATFORMS, INC.	COMMON STOCK	30303M102	128,677	265	SH		SOLE		265	0	0
FASTENAL CO COM	COMMON STOCK	311900104	115,695	1,500	SH		SOLE		1,500	0	0
FASTENAL CO COM	COMMON STOCK	311900104	34,708	450	SH		DFND		450	0	0
FEDEX CORP COM	COMMON STOCK	31428X106	166,588	575	SH		SOLE		575	0	0
FIDELITY NATIONAL FINANCIAL FNF GROUP COM	COMMON STOCK	31620R303	89,719	1,690	SH		SOLE		1,690	0	0
FIDELITY NATIONAL FINANCIAL FNF GROUP COM	COMMON STOCK	31620R303	18,581	350	SH		DFND		350	0	0
FIFTH THIRD BANCORP	COMMON STOCK	316773100	3,720	100	SH		SOLE		100	0	0
FISERV INC.	COMMON STOCK	337738108	195,779	1,225	SH		SOLE		1,225	0	0
FISERV INC.	COMMON STOCK	337738108	196,578	1,230	SH		DFND		1,230	0	0
FORD MTR CO DEL COM PAR $0.01	COMMON STOCK	345370860	59,096	4,450	SH		SOLE		4,450	0	0
FORD MTR CO DEL COM PAR $0.01	COMMON STOCK	345370860	8,632	650	SH		DFND		650	0	0
FORTIS INC COM	FOREIGN EQUITIES	349553107	4,424	112	SH		DFND		112	0	0
FREEPORT-MCMORAN, INC.	COMMON STOCK	35671D857	48,898	1,040	SH		SOLE		1,040	0	0
FREEPORT-MCMORAN, INC.	COMMON STOCK	35671D857	14,106	300	SH		DFND		300	0	0
FULTON FINANCIAL CORP	COMMON STOCK	360271100	9,534	600	SH		DFND		600	0	0
GENERAL DYNAMICS CORP	COMMON STOCK	369550108	111,294	394	SH		SOLE		394	0	0
GENERAL ELECTRIC CO COM NEW	COMMON STOCK	369604301	19,305	110	SH		SOLE		110	0	0
GENERAL MILLS INC	COMMON STOCK	370334104	165,185	2,361	SH		SOLE		2,361	0	0
GENERAL MILLS INC	COMMON STOCK	370334104	5,247	75	SH		DFND		75	0	0
GENERAL MOTORS	COMMON STOCK	37045V100	13,602	300	SH		SOLE		300	0	0
GENTEX CORP COM	COMMON STOCK	371901109	18,055	500	SH		DFND		500	0	0
GILEAD SCIENCES INC COM	COMMON STOCK	375558103	176,889	2,415	SH		SOLE		2,415	0	0
GSK PLC SPONSORED ADR	COMMON STOCK	37733W204	32,442	757	SH		SOLE		757	0	0
GODADDY INC CL A	COMMON STOCK	380237107	23,736	200	SH		SOLE		200	0	0
GOLDMAN SACHS GROUP	COMMON STOCK	38141G104	41,768	100	SH		SOLE		100	0	0
HP INC COM	COMMON STOCK	40434L105	147,389	4,879	SH		SOLE		4,879	0	0
HP INC COM	COMMON STOCK	40434L105	24,168	800	SH		DFND		800	0	0
HARLEY-DAVIDSON	COMMON STOCK	412822108	8,746	200	SH		SOLE		200	0	0
HARLEY-DAVIDSON	COMMON STOCK	412822108	30,611	700	SH		DFND		700	0	0
HARTFORD FINL SVCS GROUP INCCOM	COMMON STOCK	416515104	25,762	250	SH		SOLE		250	0	0
HAWAIIAN ELECTRIC INDUSTRIES	COMMON STOCK	419870100	2,817	250	SH		DFND		250	0	0
HERSHEY CO	COMMON STOCK	427866108	4,862	25	SH		SOLE		25	0	0
HEWLETT PACKARD ENTERPRISE CCOM	COMMON STOCK	42824C109	7,974	450	SH		DFND		450	0	0
HOME DEPOT INC COM	COMMON STOCK	437076102	397,396	1,036	SH		SOLE		1,036	0	0
HOWMET AEROSPACE INC COM	COMMON STOCK	443201108	20,529	300	SH		DFND		300	0	0
HUNTINGTON BANCSHARES INC	COMMON STOCK	446150104	2,790	200	SH		DFND		200	0	0
ILLINOIS TOOL WORKS INC	COMMON STOCK	452308109	758,805	2,828	SH		SOLE		2,828	0	0
ILLINOIS TOOL WORKS INC	COMMON STOCK	452308109	156,967	585	SH		DFND		585	0	0
INTEL CORP COM	COMMON STOCK	458140100	125,193	2,835	SH		SOLE		2,835	0	0
INTEL CORP COM	COMMON STOCK	458140100	22,080	500	SH		DFND		500	0	0
INTERNATIONAL BUSINESS MACHSCOM	COMMON STOCK	459200101	671,413	3,516	SH		SOLE		3,516	0	0
INTERNATIONAL BUSINESS MACHSCOM	COMMON STOCK	459200101	9,548	50	SH		DFND		50	0	0
INTERNATIONAL PAPER CO	COMMON STOCK	460146103	122,129	3,130	SH		SOLE		3,130	0	0
INTERPUBLIC GROUP COS INC	COMMON STOCK	460690100	101,308	3,105	SH		SOLE		3,105	0	0
INTERPUBLIC GROUP COS INC	COMMON STOCK	460690100	16,315	500	SH		DFND		500	0	0
ISHARES GOLD TR NPV	ETF/EQUITIES	464285204	12,054	287	SH		SOLE		287	0	0
ISHARES GOLD TR NPV	ETF/EQUITIES	464285204	2,142	51	SH		DFND		51	0	0
ISHARES MORNINGSTAR GROWTH ETF	ETF/EQUITIES	464287119	75,470	1,000	SH		SOLE		1,000	0	0
ISHARES US TRANSPORTATION ETF	ETF/EQUITIES	464287192	35,200	500	SH		SOLE		500	0	0
ISHARES TRUST MSCI	ETF/EQUITIES	464287234	6,160	150	SH		SOLE		150	0	0
ISHARES TR MSCI EAFE ETF	ETF/EQUITIES	464287465	13,574	170	SH		SOLE		170	0	0
ISHARES TR RUS MDCP VAL ETF	ETF/EQUITIES	464287473	30,077	240	SH		SOLE		240	0	0
ISHARES TR RUS MID CAP ETF	ETF/EQUITIES	464287499	92,496	1,100	SH		SOLE		1,100	0	0
ISHARES NORTH AMERICAN TECHNOLOGY ETF	ETF/EQUITIES	464287549	295,242	3,426	SH		SOLE		3,426	0	0
ISHARES TR RUS 1000 VAL ETF	ETF/EQUITIES	464287598	5,373	30	SH		SOLE		30	0	0
ISHARES S&P MIDCAP 400 GROWTH ETF	ETF/EQUITIES	464287606	748,886	8,207	SH		SOLE		8,207	0	0
ISHARES S&P MIDCAP 400 GROWTH ETF	ETF/EQUITIES	464287606	3,285	36	SH		DFND		36	0	0
ISHARES RUSSELL 2000 VAL ETF	ETF/EQUITIES	464287630	243,130	1,531	SH		SOLE		1,531	0	0
ISHARES RUSSELL 2000 VAL ETF	ETF/EQUITIES	464287630	31,761	200	SH		DFND		200	0	0
ISHARES TR RUS 2000 GRW ETF	ETF/EQUITIES	464287648	33,844	125	SH		SOLE		125	0	0
ISHARES TR RUSSELL 2000 ETF	ETF/EQUITIES	464287655	16,402	78	SH		SOLE		78	0	0
ISHARES US UTILS ETF	ETF/EQUITIES	464287697	7,606	90	SH		SOLE		90	0	0
ISHARES S&P MIDCAP 400 VALUE INDEX	ETF/EQUITIES	464287705	417,672	3,531	SH		SOLE		3,531	0	0
ISHARES S&P MIDCAP 400 VALUE INDEX	ETF/EQUITIES	464287705	11,829	100	SH		DFND		100	0	0
ISHARES DOW JONES TECHNOLOGY	ETF/EQUITIES	464287721	352,772	2,612	SH		SOLE		2,612	0	0
ISHARES TRUST ETF	ETF/EQUITIES	464287754	169,076	1,345	SH		SOLE		1,345	0	0
DOW JONES US ENERGY SECTOR	ETF/EQUITIES	464287796	87,932	1,780	SH		SOLE		1,780	0	0
ISHARES TR CORE S&P SCP ETF	ETF/EQUITIES	464287804	202,796	1,835	SH		SOLE		1,835	0	0
ISHARES S&P 600 SMALL CAP GROWTH ETF	ETF/EQUITIES	464287887	1,427,943	10,923	SH		SOLE		10,923	0	0
ISHARES S&P 600 SMALL CAP GROWTH ETF	ETF/EQUITIES	464287887	657,568	5,030	SH		DFND		5,030	0	0
ISHARES MSCI KLD 400 SOCIAL INDEX FUND	ETF/EQUITIES	464288570	131,053	1,300	SH		DFND		1,300	0	0
ISHARES TR INTRM GOV CR ETF	ETF/FIXED INCOME	464288612	24,955	240	SH		SOLE		240	0	0
ISHARES TR CORE HIGH DV ETF	ETF/EQUITIES	46429B663	3,967	36	SH		SOLE		36	0	0
ISHARES TR CORE MSCI EAFE	ETF/EQUITIES	46432F842	14,844	200	SH		SOLE		200	0	0
JPMORGAN CHASE & CO COM	COMMON STOCK	46625H100	321,881	1,607	SH		SOLE		1,607	0	0
JPMORGAN CHASE & CO COM	COMMON STOCK	46625H100	120,180	600	SH		DFND		600	0	0
JOHNSON & JOHNSON COM	COMMON STOCK	478160104	709,468	4,485	SH		SOLE		4,485	0	0
JOHNSON & JOHNSON COM	COMMON STOCK	478160104	312,264	1,974	SH		DFND		1,974	0	0
KELLOGG CO	COMMON STOCK	487836108	28,471	497	SH		SOLE		497	0	0
KEYCORP NEW COM	COMMON STOCK	493267108	1,581	100	SH		SOLE		100	0	0
KEYCORP NEW COM	COMMON STOCK	493267108	5,296	335	SH		DFND		335	0	0
KINDER MORGAN INC DEL COM	COMMON STOCK	49456B101	35,763	1,950	SH		SOLE		1,950	0	0
KOHL'S CORP.	COMMON STOCK	500255104	21,855	750	SH		SOLE		750	0	0
KRAFT HEINZ CO COM	COMMON STOCK	500754106	3,689	100	SH		DFND		100	0	0
KROGER CO COM	COMMON STOCK	501044101	13,425	235	SH		SOLE		235	0	0
LAM RESEARCH CORP COM	COMMON STOCK	512807108	83,551	86	SH		SOLE		86	0	0
ELI LILLY & CO COM	COMMON STOCK	532457108	38,898	50	SH		SOLE		50	0	0
LOCKHEED MARTIN CORP COM	COMMON STOCK	539830109	345,687	760	SH		SOLE		760	0	0
LOWES COS INC COM	COMMON STOCK	548661107	780,742	3,065	SH		SOLE		3,065	0	0
LOWES COS INC COM	COMMON STOCK	548661107	216,519	850	SH		DFND		850	0	0
LUMEN TECHNOLOGIES INC COM	COMMON STOCK	550241103	4,650	3,000	SH		DFND		3,000	0	0
MSC INDL DIRECT INC CL A	COMMON STOCK	553530106	191,361	1,972	SH		SOLE		1,972	0	0
MSC INDL DIRECT INC CL A	COMMON STOCK	553530106	67,928	700	SH		DFND		700	0	0
MARATHON PETROLEUM CORP	COMMON STOCK	56585A102	228,098	1,132	SH		SOLE		1,132	0	0
MARRIOTT INTERNATIONAL INC	COMMON STOCK	571903202	12,615	50	SH		SOLE		50	0	0
MARRIOTT INTERNATIONAL INC	COMMON STOCK	571903202	126,155	500	SH		DFND		500	0	0
MCCORMICK & CO INC	COMMON STOCK	579780206	7,681	100	SH		SOLE		100	0	0
MCCORMICK & CO INC	COMMON STOCK	579780206	19,202	250	SH		DFND		250	0	0
MCDONALDS CORP COM	COMMON STOCK	580135101	28,194	100	SH		DFND		100	0	0
MERCK & CO INC NEW	COMMON STOCK	58933Y105	424,216	3,215	SH		SOLE		3,215	0	0
MERCK & CO INC NEW	COMMON STOCK	58933Y105	124,560	944	SH		DFND		944	0	0
METLIFE INC.	COMMON STOCK	59156R108	122,799	1,657	SH		SOLE		1,657	0	0
MICROSOFT CORP COM	COMMON STOCK	594918104	1,910,854	4,542	SH		SOLE		4,542	0	0
MICROSOFT CORP COM	COMMON STOCK	594918104	465,725	1,107	SH		DFND		1,107	0	0
MICRON TECHNOLOGY INC	COMMON STOCK	595112103	107,866	915	SH		SOLE		915	0	0
MICRON TECHNOLOGY INC	COMMON STOCK	595112103	11,789	100	SH		DFND		100	0	0
MID PENN BANCORP INC COM	COMMON STOCK	59540G107	23,480	1,174	SH		SOLE		1,174	0	0
MORGAN STANLEY	COMMON STOCK	617446448	39,448	419	SH		SOLE		419	0	0
MOSAIC CO NEW COM	COMMON STOCK	61945C103	3,245	100	SH		DFND		100	0	0
MOTOROLA SOLUTIONS INC.	COMMON STOCK	620076307	14,908	42	SH		DFND		42	0	0
NETAPP INC COM	COMMON STOCK	64110D104	20,994	200	SH		SOLE		200	0	0
NEXTERA ENERGY INC COM	COMMON STOCK	65339F101	238,986	3,740	SH		DFND		3,740	0	0
NIKE INC CL B	COMMON STOCK	654106103	54,038	575	SH		SOLE		575	0	0
NOKIA CORP SPONSORED ADR	FOREIGN EQUITIES	654902204	317	90	SH		DFND		0	90	0
NORTHROP GRUMMAN CORP COM	COMMON STOCK	666807102	162,736	340	SH		SOLE		340	0	0
NORWOOD FINANCIAL CORP	COMMON STOCK	669549107	6,465,217	237,692	SH		SOLE		237,692	0	0
NORWOOD FINANCIAL CORP	COMMON STOCK	669549107	5,089,364	187,109	SH		DFND		3,045	184,064	0
NUCOR CORP	COMMON STOCK	670346105	270,132	1,365	SH		SOLE		1,365	0	0
NUCOR CORP	COMMON STOCK	670346105	69,265	350	SH		DFND		350	0	0
NVIDIA CORPORATION	COMMON STOCK	67066G104	45,174	50	SH		SOLE		50	0	0
OCCIDENTAL PETROLEUM CORP.	COMMON STOCK	674599105	30,869	475	SH		SOLE		475	0	0
OCCIDENTAL PETROLEUM CORP.	COMMON STOCK	674599105	3,249	50	SH		DFND		50	0	0
OCCIDENTAL PETE CORP W EXP 99/99/9999	WARRANTS & RIGHTS	674599162	5,513	128	SH		SOLE		128	0	0
OCCIDENTAL PETE CORP W EXP 99/99/9999	WARRANTS & RIGHTS	674599162	775	18	SH		DFND		18	0	0
OCEANFIRST FINANCIAL CORP	COMMON STOCK	675234108	36,080	2,200	SH		DFND		2,200	0	0
OLD REP INTL CORP COM	COMMON STOCK	680223104	26,103	850	SH		SOLE		850	0	0
OLIN CORP	COMMON STOCK	680665205	70,606	1,201	SH		SOLE		1,201	0	0
OLIN CORP	COMMON STOCK	680665205	5,879	100	SH		DFND		100	0	0
OMNICOM GROUP INC COM	COMMON STOCK	681919106	113,209	1,170	SH		SOLE		1,170	0	0
ORACLE CORP COM	COMMON STOCK	68389X105	552,681	4,400	SH		SOLE		4,400	0	0
ORACLE CORP COM	COMMON STOCK	68389X105	298,322	2,375	SH		DFND		2,375	0	0
ORGANON & CO COMMON STOCK	COMMON STOCK	68622V106	3,321	177	SH		SOLE		177	0	0
ORGANON & CO COMMON STOCK	COMMON STOCK	68622V106	1,577	84	SH		DFND		84	0	0
OTIS WORLDWIDE CORP COM	COMMON STOCK	68902V107	28,289	285	SH		SOLE		285	0	0
OTIS WORLDWIDE CORP COM	COMMON STOCK	68902V107	4,963	50	SH		DFND		50	0	0
PNC FINL SVCS GROUP INC COM	COMMON STOCK	693475105	119,907	742	SH		SOLE		742	0	0
PPL CORP COM	COMMON STOCK	69351T106	134,131	4,874	SH		SOLE		4,874	0	0
PPL CORP COM	COMMON STOCK	69351T106	2,752	100	SH		DFND		100	0	0
PACCAR INC COM	COMMON STOCK	693718108	18,583	150	SH		SOLE		150	0	0
PAYCHEX INC COM	COMMON STOCK	704326107	12,280	100	SH		SOLE		100	0	0
PEPSICO INC COM	COMMON STOCK	713448108	273,187	1,561	SH		SOLE		1,561	0	0
PEPSICO INC COM	COMMON STOCK	713448108	116,206	664	SH		DFND		664	0	0
PERKIN ELMER	COMMON STOCK	714046109	36,750	350	SH		SOLE		350	0	0
PERKIN ELMER	COMMON STOCK	714046109	39,375	375	SH		DFND		375	0	0
PFIZER INC COM	COMMON STOCK	717081103	178,781	6,443	SH		SOLE		6,443	0	0
PFIZER INC COM	COMMON STOCK	717081103	38,848	1,400	SH		DFND		1,400	0	0
PHILIP MORRIS INTL INC	COMMON STOCK	718172109	86,397	943	SH		SOLE		943	0	0
PHILLIPS 66 COM	COMMON STOCK	718546104	57,985	355	SH		SOLE		355	0	0
T ROWE PRICE GROUP INC	COMMON STOCK	74144T108	18,288	150	SH		SOLE		150	0	0
PROCTER & GAMBLE CO COM	COMMON STOCK	742718109	451,046	2,780	SH		SOLE		2,780	0	0
PROCTER & GAMBLE CO COM	COMMON STOCK	742718109	48,675	300	SH		DFND		300	0	0
PRUDENTIAL FINL INC COM	COMMON STOCK	744320102	39,916	340	SH		SOLE		340	0	0
PUBLIC SVC ENTERPRISE GROUP COM	COMMON STOCK	744573106	65,100	975	SH		SOLE		975	0	0
PUBLIC SVC ENTERPRISE GROUP COM	COMMON STOCK	744573106	19,229	288	SH		DFND		288	0	0
QUALCOMM INC COM	COMMON STOCK	747525103	80,417	475	SH		SOLE		475	0	0
QUEST DIAGNOSTICS INC.	COMMON STOCK	74834L100	51,246	385	SH		SOLE		385	0	0
RMR GROUP INC CL A	COMMON STOCK	74967R106	2,640	110	SH		DFND		110	0	0
RPM INTL INC COM	COMMON STOCK	749685103	35,089	295	SH		SOLE		295	0	0
RTX CORPORATION	COMMON STOCK	75513E101	78,014	800	SH		SOLE		800	0	0
RTX CORPORATION	COMMON STOCK	75513E101	4,876	50	SH		DFND		50	0	0
REALTY INCOME CORP COM	COMMON STOCK	756109104	60,851	1,125	SH		SOLE		1,125	0	0
REGIONS FINANCIAL CORP NEW COM	COMMON STOCK	7591EP100	2,103	100	SH		SOLE		100	0	0
RIO TINTO PLC SPONSORED ADR	COMMON STOCK	767204100	12,748	200	SH		DFND		200	0	0
SPDR S&P 500 ETF TRUST	ETF/EQUITIES	78462F103	180,455	345	SH		SOLE		345	0	0
SPDR S&P 500 ETF TRUST	ETF/EQUITIES	78462F103	52,307	100	SH		DFND		100	0	0
SPDR GOLD TRUST	ETF/EQUITIES	78463V107	126,511	615	SH		SOLE		615	0	0
SPDR SER TR S&P TRANSN ETF	ETF/EQUITIES	78464A532	16,953	200	SH		SOLE		200	0	0
SPDR S&P BIOTECH ETF	ETF/EQUITIES	78464A870	18,974	200	SH		SOLE		200	0	0
SPDR S&P MID CAP 400 ETF	ETF/EQUITIES	78467Y107	26,148	47	SH		SOLE		47	0	0
SPDR SER TR S&P OILGAS EXP	ETF/EQUITIES	78468R556	12,702	82	SH		SOLE		82	0	0
SAN JUAN BASIN RTY TR UNIT BEN INT	COMMON STOCK	798241105	1,597	302	SH		DFND		302	0	0
SANOFI SPONSORED ADR	FOREIGN EQUITIES	80105N105	27,793	572	SH		SOLE		572	0	0
SCHLUMBERGER LTD COM	FOREIGN EQUITIES	806857108	12,332	225	SH		SOLE		225	0	0
SELECT SECTOR SPDR FUND MATERIALS	ETF/EQUITIES	81369Y100	112,578	1,212	SH		SOLE		1,212	0	0
SELECT SECTOR SPDR FUND MATERIALS	ETF/EQUITIES	81369Y100	11,611	125	SH		DFND		125	0	0
SELECT SECTOR SPDR TR SBI HEALTHCARE	ETF/EQUITIES	81369Y209	836,866	5,665	SH		SOLE		5,665	0	0
SELECT SECTOR SPDR TR SBI HEALTHCARE	ETF/EQUITIES	81369Y209	45,057	305	SH		DFND		305	0	0
SELECT SECTOR SPDR TR SBI CONS STPLS	ETF/EQUITIES	81369Y308	309,633	4,055	SH		SOLE		4,055	0	0
SELECT SECTOR SPDR TR SBI CONS STPLS	ETF/EQUITIES	81369Y308	14,126	185	SH		DFND		185	0	0
CONSUMER DISCRETIONARY SELECT SECTOR SPDR	ETF/EQUITIES	81369Y407	319,215	1,736	SH		SOLE		1,736	0	0
CONSUMER DISCRETIONARY SELECT SECTOR SPDR	ETF/EQUITIES	81369Y407	3,677	20	SH		DFND		20	0	0
SELECT SECTOR SPDRFUND ENERGY	ETF/EQUITIES	81369Y506	162,840	1,725	SH		SOLE		1,725	0	0
SELECT SECTOR SPDRFUND ENERGY	ETF/EQUITIES	81369Y506	9,912	105	SH		DFND		105	0	0
FINANCIAL SELECT SPDR	ETF/EQUITIES	81369Y605	174,749	4,150	SH		SOLE		4,150	0	0
SELECT SECTOR SPDR TR TECHNOLOGY	ETF/EQUITIES	81369Y803	886,792	4,258	SH		SOLE		4,258	0	0
SELECT SECTOR SPDR TR TECHNOLOGY	ETF/EQUITIES	81369Y803	20,827	100	SH		DFND		100	0	0
SELECT SECTOR SPDR TR COMMUNICATION	ETF/EQUITIES	81369Y852	66,538	815	SH		SOLE		815	0	0
SELECT SECTOR SPDR FUND	ETF/EQUITIES	81369Y886	18,382	280	SH		SOLE		280	0	0
SERVICE PPTYS TR COM SH BEN INT	COMMON STOCK	81761L102	3,844	567	SH		DFND		567	0	0
SONOCO PRODS CO COM	COMMON STOCK	835495102	102,666	1,775	SH		SOLE		1,775	0	0
SOUTHERN CO.	COMMON STOCK	842587107	168,947	2,355	SH		SOLE		2,355	0	0
SOUTHERN CO.	COMMON STOCK	842587107	129,347	1,803	SH		DFND		1,803	0	0
STARBUCKS CORP	COMMON STOCK	855244109	88,639	970	SH		SOLE		970	0	0
STATE STR CORP COM	COMMON STOCK	857477103	35,407	458	SH		SOLE		458	0	0
STONEX GROUP INC COM	COMMON STOCK	861896108	5,269	75	SH		SOLE		75	0	0
STRYKER CORP COM	COMMON STOCK	863667101	53,679	150	SH		DFND		150	0	0
SUNCOR ENERGY INC NEW	FOREIGN EQUITIES	867224107	11,070	300	SH		DFND		300	0	0
SYLVAMO CORP COMMON STOCK	COMMON STOCK	871332102	5,555	90	SH		SOLE		90	0	0
SYNOVUS FINL CORP COM NEW	COMMON STOCK	87161C501	4,006	100	SH		SOLE		100	0	0
SYSCO CORP.	COMMON STOCK	871829107	514,269	6,335	SH		SOLE		6,335	0	0
SYSCO CORP.	COMMON STOCK	871829107	69,003	850	SH		DFND		850	0	0
TARGET CORP COM	COMMON STOCK	87612E106	100,122	565	SH		SOLE		565	0	0
TARGET CORP COM	COMMON STOCK	87612E106	35,442	200	SH		DFND		200	0	0
TESLA INC COM	COMMON STOCK	88160R101	5,273	30	SH		DFND		30	0	0
TEXAS INSTRS INC COM	COMMON STOCK	882508104	32,403	186	SH		SOLE		186	0	0
THERMO FISHER SCIENTIFIC	COMMON STOCK	883556102	90,087	155	SH		SOLE		155	0	0
THERMO FISHER SCIENTIFIC	COMMON STOCK	883556102	84,275	145	SH		DFND		145	0	0
3M CO COM	COMMON STOCK	88579Y101	92,268	870	SH		SOLE		870	0	0
3M CO COM	COMMON STOCK	88579Y101	28,107	265	SH		DFND		265	0	0
TRAVELERS COMPANIES INC COM	COMMON STOCK	89417E109	82,850	360	SH		SOLE		360	0	0
TRUIST FINL CORP	COMMON STOCK	89832Q109	25,290	649	SH		SOLE		649	0	0
TRUIST FINL CORP	COMMON STOCK	89832Q109	1,948	50	SH		DFND		50	0	0
UGI CORP NEW COM	COMMON STOCK	902681105	47,606	1,940	SH		SOLE		1,940	0	0
US BANCORP	COMMON STOCK	902973304	52,075	1,165	SH		SOLE		1,165	0	0
UNION PAC CORP COM	COMMON STOCK	907818108	38,364	156	SH		SOLE		156	0	0
UNITED PARCEL SERVICE INC CL B	COMMON STOCK	911312106	208,518	1,403	SH		SOLE		1,403	0	0
UNITED PARCEL SERVICE INC CL B	COMMON STOCK	911312106	7,431	50	SH		DFND		50	0	0
US STEEL CORPORATION	COMMON STOCK	912909108	81,538	2,000	SH		SOLE		2,000	0	0
UNITEDHEALTH GROUP INC	COMMON STOCK	91324P102	63,318	128	SH		SOLE		128	0	0
VALERO ENERGY	COMMON STOCK	91913Y100	3,413	20	SH		SOLE		20	0	0
VALERO ENERGY	COMMON STOCK	91913Y100	17,069	100	SH		DFND		100	0	0
VALLEY NATIONAL BANCORP	COMMON STOCK	919794107	25,089	3,152	SH		SOLE		3,152	0	0
VANECK ETF TRUST ROBOTICS ETF	ETF/EQUITIES	92189Y402	256,300	5,825	SH		SOLE		5,825	0	0
VANGUARD DIVIDEND APPRECIATION ETF	ETF/EQUITIES	921908844	982,417	5,380	SH		SOLE		5,380	0	0
VANGUARD DIVIDEND APPRECIATION ETF	ETF/EQUITIES	921908844	151,563	830	SH		DFND		830	0	0
VANGUARD US MOMENTUM ETF	ETF/EQUITIES	921935508	274,262	1,813	SH		SOLE		1,813	0	0
VANGUARD TAX MANAGED INTL FDFTSE DEV MKT ETF	ETF/EQUITIES	921943858	454,745	9,066	SH		SOLE		9,066	0	0
VANGUARD HIGH DIVIDEND YIELD ETF	ETF/EQUITIES	921946406	604,689	4,998	SH		SOLE		4,998	0	0
VANGUARD HIGH DIVIDEND YIELD ETF	ETF/EQUITIES	921946406	33,997	281	SH		DFND		281	0	0
VANGUARD ENERGY ETF	ETF/EQUITIES	92204A306	90,872	690	SH		SOLE		690	0	0
VANGUARD WORLD FDS FINANCIALS ETF	ETF/EQUITIES	92204A405	494,117	4,826	SH		SOLE		4,826	0	0
VANGUARD WORLD FDS FINANCIALS ETF	ETF/EQUITIES	92204A405	10,239	100	SH		DFND		100	0	0
VANGUARD HEALTHCARE ETF	ETF/EQUITIES	92204A504	242,100	895	SH		SOLE		895	0	0
VANGUARD INDUSTRIALS ETF	ETF/EQUITIES	92204A603	346,933	1,421	SH		SOLE		1,421	0	0
VANGUARD INDUSTRIALS ETF	ETF/EQUITIES	92204A603	27,588	113	SH		DFND		113	0	0
VANGUARD WORLD FD INF TECH ETF	ETF/EQUITIES	92204A702	222,288	424	SH		SOLE		424	0	0
VANGUARD WORLD FD INF TECH ETF	ETF/EQUITIES	92204A702	5,243	10	SH		DFND		10	0	0
VANGUARD MATERIALS ETF	ETF/EQUITIES	92204A801	235,700	1,153	SH		SOLE		1,153	0	0
VANGUARD MATERIALS ETF	ETF/EQUITIES	92204A801	6,337	31	SH		DFND		31	0	0
VANGUARD UTILITIES ETF	ETF/EQUITIES	92204A876	164,810	1,156	SH		SOLE		1,156	0	0
VANGUARD UTILITIES ETF	ETF/EQUITIES	92204A876	8,554	60	SH		DFND		60	0	0
VANGUARD MSCI EMERGING MARKETS ETF	ETF/EQUITIES	922042858	205,746	4,926	SH		SOLE		4,926	0	0
VANGUARD MSCI EMERGING MARKETS ETF	ETF/EQUITIES	922042858	80,697	1,932	SH		DFND		1,932	0	0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD	ETF/FIXED INCOME	92206C409	554,134	7,168	SH		SOLE		7,168	0	0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD	ETF/FIXED INCOME	92206C409	122,536	1,585	SH		DFND		1,585	0	0
VANGUARD SCOTTSDALE FDS INT-TERM CORP	ETF/FIXED INCOME	92206C870	175,090	2,175	SH		SOLE		2,175	0	0
VANGUARD SCOTTSDALE FDS INT-TERM CORP	ETF/FIXED INCOME	92206C870	32,204	400	SH		DFND		400	0	0
VANGUARD INDEX FDS REIT ETF	ETF/EQUITIES	922908553	75,137	869	SH		SOLE		869	0	0
VANGUARD SMALL CAP GROWTH ETF	ETF/EQUITIES	922908595	156,944	602	SH		SOLE		602	0	0
VANGUARD SMALL CAP GROWTH ETF	ETF/EQUITIES	922908595	2,867	11	SH		DFND		11	0	0
VANGUARD EXTENDED MID BLEND ETF	ETF/EQUITIES	922908652	25,413	145	SH		SOLE		145	0	0
VANGUARD LARGE CAP GROWTH ETF	ETF/EQUITIES	922908736	3,232,033	9,390	SH		SOLE		9,390	0	0
VANGUARD LARGE CAP GROWTH ETF	ETF/EQUITIES	922908736	72,282	210	SH		DFND		210	0	0
VANGUARD LARGE CAP VALUE ETF	ETF/EQUITIES	922908744	1,633,948	10,033	SH		SOLE		10,033	0	0
VANGUARD LARGE CAP VALUE ETF	ETF/EQUITIES	922908744	41,039	252	SH		DFND		252	0	0
VANGUARD TOTAL STOCK MARKET ETF	ETF/EQUITIES	922908769	502,875	1,935	SH		SOLE		1,935	0	0
VANGUARD TOTAL STOCK MARKET ETF	ETF/EQUITIES	922908769	71,469	275	SH		DFND		275	0	0
VERIZON COMMUNICATIONS COM	COMMON STOCK	92343V104	192,965	4,600	SH		SOLE		4,600	0	0
VERIZON COMMUNICATIONS COM	COMMON STOCK	92343V104	76,725	1,829	SH		DFND		1,349	480	0
VIATRIS INC COM	COMMON STOCK	92556V106	13,525	1,134	SH		SOLE		1,134	0	0
VIATRIS INC COM	COMMON STOCK	92556V106	1,025	86	SH		DFND		86	0	0
VICI PPTYS INC COM	COMMON STOCK	925652109	17,874	600	SH		SOLE		600	0	0
VISA INC COM CL A	COMMON STOCK	92826C839	20,930	75	SH		SOLE		75	0	0
WK KELLOGG CO COM SHS	COMMON STOCK	92942W107	1,820	97	SH		SOLE		97	0	0
WAL MART STORES INC COM	COMMON STOCK	931142103	702,778	11,680	SH		SOLE		11,680	0	0
WAL MART STORES INC COM	COMMON STOCK	931142103	28,881	480	SH		DFND		480	0	0
WALGREENS BOOTS ALLIANCE INCCOM	COMMON STOCK	931427108	15,067	695	SH		SOLE		695	0	0
WARNER BROS DISCOVERY INC COM SER A	COMMON STOCK	934423104	5,864	672	SH		SOLE		672	0	0
WARNER BROS DISCOVERY INC COM SER A	COMMON STOCK	934423104	7,392	847	SH		DFND		435	412	0
WASTE MANAGEMENT INC	COMMON STOCK	94106L109	191,835	900	SH		SOLE		900	0	0
WATTS WATER TECHNOLOGIES INC	COMMON STOCK	942749102	53,137	250	SH		SOLE		250	0	0
WELLS FARGO	COMMON STOCK	949746101	7,243	125	SH		SOLE		125	0	0
WELLS FARGO	COMMON STOCK	949746101	5,795	100	SH		DFND		100	0	0
WESTERN DIGITAL CORP COM	COMMON STOCK	958102105	6,824	100	SH		SOLE		100	0	0
WESTERN UNION, COMMON	COMMON STOCK	959802109	37,813	2,705	SH		SOLE		2,705	0	0
WESTERN UNION, COMMON	COMMON STOCK	959802109	5,592	400	SH		DFND		400	0	0
WOODSIDE ENERGY GROUP LTD SPONSORED ADR	FOREIGN EQUITIES	980228308	1,436	72	SH		DFND		72	0	0
YUM BRANDS INC	COMMON STOCK	988498101	13,865	100	SH		DFND		100	0	0