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<informationTable
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<infoTable><nameOfIssuer>TOTALENERGIES SE            ACT</nameOfIssuer><titleOfClass>FOREIGN EQUITIES</titleOfClass><cusip>F92124100</cusip><value>13680</value><shrsOrPrnAmt><sshPrnamt>160</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>160</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ACCENTURE PLC</nameOfIssuer><titleOfClass>FOREIGN EQUITIES</titleOfClass><cusip>G1151C101</cusip><value>101946</value><shrsOrPrnAmt><sshPrnamt>556</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>556</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>EATON CORP PLC</nameOfIssuer><titleOfClass>FOREIGN EQUITIES</titleOfClass><cusip>G29183103</cusip><value>49415</value><shrsOrPrnAmt><sshPrnamt>115</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>115</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>EATON CORP PLC</nameOfIssuer><titleOfClass>FOREIGN EQUITIES</titleOfClass><cusip>G29183103</cusip><value>69611</value><shrsOrPrnAmt><sshPrnamt>162</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>162</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>EVEREST GROUP LTD            COM</nameOfIssuer><titleOfClass>FOREIGN EQUITIES</titleOfClass><cusip>G3223R108</cusip><value>2190</value><shrsOrPrnAmt><sshPrnamt>6</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>6</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>EVEREST GROUP LTD            COM</nameOfIssuer><titleOfClass>FOREIGN EQUITIES</titleOfClass><cusip>G3223R108</cusip><value>18258</value><shrsOrPrnAmt><sshPrnamt>50</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>50</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>LINDE PLC NPV</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>G54950103</cusip><value>106792</value><shrsOrPrnAmt><sshPrnamt>225</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>225</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>MEDTRONIC PLC</nameOfIssuer><titleOfClass>FOREIGN EQUITIES</titleOfClass><cusip>G5960L103</cusip><value>50392</value><shrsOrPrnAmt><sshPrnamt>584</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>584</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>NU HOLDINGS LIMITED</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>G6683N103</cusip><value>44310</value><shrsOrPrnAmt><sshPrnamt>3500</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>3500</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>PENTAIR PLC</nameOfIssuer><titleOfClass>FOREIGN EQUITIES</titleOfClass><cusip>G7S00T104</cusip><value>739052</value><shrsOrPrnAmt><sshPrnamt>13948</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>13948</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>PENTAIR PLC</nameOfIssuer><titleOfClass>FOREIGN EQUITIES</titleOfClass><cusip>G7S00T104</cusip><value>7153</value><shrsOrPrnAmt><sshPrnamt>135</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>135</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>TE CONNECTIVITY PLC</nameOfIssuer><titleOfClass>FOREIGN EQUITIES</titleOfClass><cusip>G87052109</cusip><value>1976090</value><shrsOrPrnAmt><sshPrnamt>9362</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>9362</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>TE CONNECTIVITY PLC</nameOfIssuer><titleOfClass>FOREIGN EQUITIES</titleOfClass><cusip>G87052109</cusip><value>36939</value><shrsOrPrnAmt><sshPrnamt>175</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>175</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>TRANE TECHNOLOGIES PLC</nameOfIssuer><titleOfClass>FOREIGN EQUITIES</titleOfClass><cusip>G8994E103</cusip><value>45197</value><shrsOrPrnAmt><sshPrnamt>100</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>100</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>GARMIN LTD</nameOfIssuer><titleOfClass>FOREIGN EQUITIES</titleOfClass><cusip>H2906T109</cusip><value>14341</value><shrsOrPrnAmt><sshPrnamt>50</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>50</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ASML HOLDINGS N V</nameOfIssuer><titleOfClass>FOREIGN EQUITIES</titleOfClass><cusip>N07059210</cusip><value>10870</value><shrsOrPrnAmt><sshPrnamt>6</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>6</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>MAGNUM ICE CREAM CO NV      ORD SHS</nameOfIssuer><titleOfClass>FOREIGN EQUITIES</titleOfClass><cusip>N5505D105</cusip><value>461</value><shrsOrPrnAmt><sshPrnamt>26</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>26</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ROYAL CARIBBEAN GROUP</nameOfIssuer><titleOfClass>FOREIGN EQUITIES</titleOfClass><cusip>V7780T103</cusip><value>1694754</value><shrsOrPrnAmt><sshPrnamt>6375</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>6375</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ROYAL CARIBBEAN GROUP</nameOfIssuer><titleOfClass>FOREIGN EQUITIES</titleOfClass><cusip>V7780T103</cusip><value>9570</value><shrsOrPrnAmt><sshPrnamt>36</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>36</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>AFLAC, INC.                  COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>001055102</cusip><value>58125</value><shrsOrPrnAmt><sshPrnamt>520</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>520</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>AT&amp;T INC                     COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>00206R102</cusip><value>174651</value><shrsOrPrnAmt><sshPrnamt>7161</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>7161</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>AT&amp;T INC                     COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>00206R102</cusip><value>18292</value><shrsOrPrnAmt><sshPrnamt>750</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>750</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>AST SPACEMOBILE CLASS A</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>00217D100</cusip><value>32373</value><shrsOrPrnAmt><sshPrnamt>550</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>550</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ABBOTT LABS                  COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>002824100</cusip><value>629912</value><shrsOrPrnAmt><sshPrnamt>6374</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>6374</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ABBVIE, INC</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>00287Y109</cusip><value>2292447</value><shrsOrPrnAmt><sshPrnamt>8764</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>8764</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ABBVIE, INC</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>00287Y109</cusip><value>39237</value><shrsOrPrnAmt><sshPrnamt>150</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>150</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ADOBE SYSTEMS INC</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>00724F101</cusip><value>12955</value><shrsOrPrnAmt><sshPrnamt>54</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>54</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ADVISORSH PURE US CANNABIS   ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>00768Y453</cusip><value>1420</value><shrsOrPrnAmt><sshPrnamt>315</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>315</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ADVANCED MICRO DEVICES INC   COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>007903107</cusip><value>30588</value><shrsOrPrnAmt><sshPrnamt>50</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>50</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>AGILENT TECHNOLOGIES         COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>00846U101</cusip><value>13267</value><shrsOrPrnAmt><sshPrnamt>77</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>77</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>AGILENT TECHNOLOGIES         COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>00846U101</cusip><value>34462</value><shrsOrPrnAmt><sshPrnamt>200</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>200</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>AIR PRODUCTS &amp; CHEMS INC     COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>009158106</cusip><value>25595</value><shrsOrPrnAmt><sshPrnamt>92</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>92</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ALIGN TECHNOLOGY INC</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>016255101</cusip><value>144149</value><shrsOrPrnAmt><sshPrnamt>992</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>992</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ALLSTATE CORP                COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>020002101</cusip><value>33279</value><shrsOrPrnAmt><sshPrnamt>150</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>150</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ALLSTATE CORP                COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>020002101</cusip><value>16639</value><shrsOrPrnAmt><sshPrnamt>75</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>75</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ALNYLAM PHARMA</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>02043Q107</cusip><value>12337</value><shrsOrPrnAmt><sshPrnamt>50</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>50</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ALPHABET INC CL C</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>02079K107</cusip><value>1230707</value><shrsOrPrnAmt><sshPrnamt>3612</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>3612</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ALPHABET INC CL C</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>02079K107</cusip><value>4770</value><shrsOrPrnAmt><sshPrnamt>14</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>14</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ALPHABET INC CL A</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>02079K305</cusip><value>7355476</value><shrsOrPrnAmt><sshPrnamt>21378</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>21378</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ALPHABET INC CL A</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>02079K305</cusip><value>144508</value><shrsOrPrnAmt><sshPrnamt>420</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>420</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ALTRIA GROUP INC             COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>02209S103</cusip><value>147673</value><shrsOrPrnAmt><sshPrnamt>2193</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2193</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ALTRIA GROUP INC             COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>02209S103</cusip><value>16161</value><shrsOrPrnAmt><sshPrnamt>240</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>240</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>AMAZON COM INC</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>023135106</cusip><value>3722789</value><shrsOrPrnAmt><sshPrnamt>14942</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>14942</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>AMAZON COM INC</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>023135106</cusip><value>9966</value><shrsOrPrnAmt><sshPrnamt>40</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>40</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>AMERICA MOVIL NPV ADR</nameOfIssuer><titleOfClass>FOREIGN EQUITIES</titleOfClass><cusip>02390A101</cusip><value>10590</value><shrsOrPrnAmt><sshPrnamt>500</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>500</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>AVANTIS INTL SMALL CAP VALUE ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>025072802</cusip><value>20344</value><shrsOrPrnAmt><sshPrnamt>186</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>186</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>AMERICAN ELEC PWR CO INC     COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>025537101</cusip><value>59320</value><shrsOrPrnAmt><sshPrnamt>500</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>500</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>AMERICAN EXPRESS CO          COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>025816109</cusip><value>1809605</value><shrsOrPrnAmt><sshPrnamt>5951</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>5951</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>AMERICAN EXPRESS CO          COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>025816109</cusip><value>34665</value><shrsOrPrnAmt><sshPrnamt>114</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>114</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>AMERICAN INTL GROUP INC NEW</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>026874784</cusip><value>23963</value><shrsOrPrnAmt><sshPrnamt>322</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>322</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>AMERICAN TOWER CORP REIT</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>03027X100</cusip><value>136511</value><shrsOrPrnAmt><sshPrnamt>834</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>834</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>AMERICAN TOWER CORP REIT</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>03027X100</cusip><value>12276</value><shrsOrPrnAmt><sshPrnamt>75</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>75</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>AMERICAN WATER WORKS</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>030420103</cusip><value>219182</value><shrsOrPrnAmt><sshPrnamt>1693</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1693</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>AMERICAN WATER WORKS</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>030420103</cusip><value>25893</value><shrsOrPrnAmt><sshPrnamt>200</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>200</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>CENCORA INC</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>03073E105</cusip><value>292743</value><shrsOrPrnAmt><sshPrnamt>975</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>975</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>AMERIPRISE FINANCIAL INC     COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>03076C106</cusip><value>27078</value><shrsOrPrnAmt><sshPrnamt>55</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>55</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>AMGEN INC                    COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>031162100</cusip><value>31612</value><shrsOrPrnAmt><sshPrnamt>75</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>75</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>AMPHENOL CORP CL A</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>032095101</cusip><value>7081</value><shrsOrPrnAmt><sshPrnamt>84</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>84</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ANALOG DEVICES INC           COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>032654105</cusip><value>101949</value><shrsOrPrnAmt><sshPrnamt>257</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>257</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ELEVANCE HEALTH INC</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>036752103</cusip><value>21384</value><shrsOrPrnAmt><sshPrnamt>55</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>55</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>APPLE INC.                   COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>037833100</cusip><value>11014908</value><shrsOrPrnAmt><sshPrnamt>33077</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>33077</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>APPLE INC.                   COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>037833100</cusip><value>235770</value><shrsOrPrnAmt><sshPrnamt>708</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>708</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>APPLIED MATERIALS INC        COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>038222105</cusip><value>27103</value><shrsOrPrnAmt><sshPrnamt>53</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>53</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>APTARGROUP INC USD</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>038336103</cusip><value>30652</value><shrsOrPrnAmt><sshPrnamt>253</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>253</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>AUTODESK INC                 COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>052769106</cusip><value>33440</value><shrsOrPrnAmt><sshPrnamt>160</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>160</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>AUTOMATIC DATA PROCESSING    COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>053015103</cusip><value>219594</value><shrsOrPrnAmt><sshPrnamt>851</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>851</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>AUTOMATIC DATA PROCESSING    COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>053015103</cusip><value>38707</value><shrsOrPrnAmt><sshPrnamt>150</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>150</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>AVERY DENNISON CORPORATION   COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>053611109</cusip><value>853</value><shrsOrPrnAmt><sshPrnamt>5</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>5</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>BANK OF AMER CORP           COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>060505104</cusip><value>2645355</value><shrsOrPrnAmt><sshPrnamt>48602</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>48602</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>BANK OF AMER CORP           COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>060505104</cusip><value>76038</value><shrsOrPrnAmt><sshPrnamt>1397</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>1397</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>BANK OF NEW YORK MELLON CORP COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>064058100</cusip><value>12872</value><shrsOrPrnAmt><sshPrnamt>89</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>89</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>BAXTER INTL INC              COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>071813109</cusip><value>18000</value><shrsOrPrnAmt><sshPrnamt>750</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>750</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>BAXTER INTL INC              COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>071813109</cusip><value>768</value><shrsOrPrnAmt><sshPrnamt>32</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>32</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>BECTON-DICKINSON &amp; CO        COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>075887109</cusip><value>34905</value><shrsOrPrnAmt><sshPrnamt>195</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>195</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>BECTON-DICKINSON &amp; CO        COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>075887109</cusip><value>8950</value><shrsOrPrnAmt><sshPrnamt>50</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>50</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>BERKSHIRE HATHAWAY INC CL B</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>084670702</cusip><value>1687022</value><shrsOrPrnAmt><sshPrnamt>3388</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>3388</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>BLACKROCK INC NPV</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>09290D101</cusip><value>1831854</value><shrsOrPrnAmt><sshPrnamt>1731</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1731</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>BLACKROCK INC NPV</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>09290D101</cusip><value>10582</value><shrsOrPrnAmt><sshPrnamt>10</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>10</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>BOEING COMPANY               COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>097023105</cusip><value>26976</value><shrsOrPrnAmt><sshPrnamt>145</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>145</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>BOOKING HOLDINGS INC</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>09857L108</cusip><value>36654</value><shrsOrPrnAmt><sshPrnamt>225</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>225</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>BRISTOL MYERS SQUIBB         COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>110122108</cusip><value>133159</value><shrsOrPrnAmt><sshPrnamt>2134</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2134</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>BROADRIDGE FINL SOLUTIONS    COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>11133T103</cusip><value>14499</value><shrsOrPrnAmt><sshPrnamt>90</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>90</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>BROADCOM INC</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>11135F101</cusip><value>172082</value><shrsOrPrnAmt><sshPrnamt>490</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>490</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>BROWN &amp; BROWN INC           COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>115236101</cusip><value>12423</value><shrsOrPrnAmt><sshPrnamt>204</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>204</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>CIGNA CORP</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>125523100</cusip><value>179393</value><shrsOrPrnAmt><sshPrnamt>660</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>660</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>CME GROUP INC                COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>12572Q105</cusip><value>39557</value><shrsOrPrnAmt><sshPrnamt>151</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>151</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>CSX CORP</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>126408103</cusip><value>610126</value><shrsOrPrnAmt><sshPrnamt>13121</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>13121</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>CVS HEALTH CORP             COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>126650100</cusip><value>48156</value><shrsOrPrnAmt><sshPrnamt>562</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>562</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>CVS HEALTH CORP             COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>126650100</cusip><value>15424</value><shrsOrPrnAmt><sshPrnamt>180</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>180</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>CANOPY GROWTH CORP NPV</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>138035704</cusip><value>28</value><shrsOrPrnAmt><sshPrnamt>32</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>32</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>CAPITAL ONE FINANCIAL</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>14040H105</cusip><value>122212</value><shrsOrPrnAmt><sshPrnamt>633</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>633</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>CARDINAL HEALTH INC          COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>14149Y108</cusip><value>36267</value><shrsOrPrnAmt><sshPrnamt>163</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>163</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>CARDINAL HEALTH INC          COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>14149Y108</cusip><value>5562</value><shrsOrPrnAmt><sshPrnamt>25</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>25</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>CARDIOL THERAPEUTICS I</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>14161Y200</cusip><value>10250</value><shrsOrPrnAmt><sshPrnamt>5000</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>5000</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>CARRIER GLOBAL CORP  COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>14448C104</cusip><value>368298</value><shrsOrPrnAmt><sshPrnamt>6714</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>6714</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>CARRIER GLOBAL CORP  COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>14448C104</cusip><value>20846</value><shrsOrPrnAmt><sshPrnamt>380</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>380</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>CATERPILLAR INC             COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>149123101</cusip><value>296744</value><shrsOrPrnAmt><sshPrnamt>366</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>366</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>CENTENE CORP</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>15135B101</cusip><value>14906</value><shrsOrPrnAmt><sshPrnamt>240</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>240</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>CHARLES RIVER LABS INTL INC</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>159864107</cusip><value>16225</value><shrsOrPrnAmt><sshPrnamt>55</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>55</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>CHEVRON CORPORATION          COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>166764100</cusip><value>1776784</value><shrsOrPrnAmt><sshPrnamt>8701</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>8701</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>CHEVRON CORPORATION          COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>166764100</cusip><value>84132</value><shrsOrPrnAmt><sshPrnamt>412</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>412</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>CISCO SYS INC                COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>17275R102</cusip><value>2389231</value><shrsOrPrnAmt><sshPrnamt>22199</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>22199</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>CISCO SYS INC                COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>17275R102</cusip><value>30136</value><shrsOrPrnAmt><sshPrnamt>280</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>280</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>CITIGROUP INC</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>172967424</cusip><value>54381</value><shrsOrPrnAmt><sshPrnamt>420</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>420</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>CITIZENS FINANCIAL GROUP</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>174610105</cusip><value>4782</value><shrsOrPrnAmt><sshPrnamt>75</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>75</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>CLEARBRIDGE ENERGY MLP  ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>18469P209</cusip><value>11926</value><shrsOrPrnAmt><sshPrnamt>238</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>238</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>CLOROX CO</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>189054109</cusip><value>40504</value><shrsOrPrnAmt><sshPrnamt>500</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>500</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>COCA COLA CO                 COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>191216100</cusip><value>2517062</value><shrsOrPrnAmt><sshPrnamt>29241</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>29241</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>COGNIZANT TECHNOLOGY         SOLUTIONS CORP</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>192446102</cusip><value>27853</value><shrsOrPrnAmt><sshPrnamt>485</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>485</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>COHEN &amp; STEERS INFRASTRCTR   FD  ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>19248A109</cusip><value>20426</value><shrsOrPrnAmt><sshPrnamt>829</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>829</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>COLGATE PALMOLIVE CO         COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>194162103</cusip><value>979134</value><shrsOrPrnAmt><sshPrnamt>11478</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>11478</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>COLGATE PALMOLIVE CO         COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>194162103</cusip><value>8531</value><shrsOrPrnAmt><sshPrnamt>100</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>100</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>COMCAST CORP NEW             COM CL A</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>20030N101</cusip><value>440321</value><shrsOrPrnAmt><sshPrnamt>20246</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>20246</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>COMCAST CORP NEW             COM CL A</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>20030N101</cusip><value>4350</value><shrsOrPrnAmt><sshPrnamt>200</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>200</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>CONOCOPHILLIPS               COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>20825C104</cusip><value>423614</value><shrsOrPrnAmt><sshPrnamt>3385</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>3385</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>CONOCOPHILLIPS               COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>20825C104</cusip><value>29410</value><shrsOrPrnAmt><sshPrnamt>235</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>235</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>CONSTELLATION BRANDS CLASS A</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>21036P108</cusip><value>148651</value><shrsOrPrnAmt><sshPrnamt>1315</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1315</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>CONSTELLATION ENERGY CORP</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>21037T109</cusip><value>16765</value><shrsOrPrnAmt><sshPrnamt>66</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>66</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>COOPER COS INC NPV</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>216648501</cusip><value>6782</value><shrsOrPrnAmt><sshPrnamt>120</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>120</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>COPART INC</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>217204106</cusip><value>5454</value><shrsOrPrnAmt><sshPrnamt>200</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>200</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>COREWEAVE INC               COM CL A</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>21873S108</cusip><value>8712</value><shrsOrPrnAmt><sshPrnamt>100</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>100</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>CORNING INC                  COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>219350105</cusip><value>3697278</value><shrsOrPrnAmt><sshPrnamt>24046</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>24046</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>CORNING INC                  COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>219350105</cusip><value>50740</value><shrsOrPrnAmt><sshPrnamt>330</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>330</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>CORTEVA INC</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>22052L104</cusip><value>43017</value><shrsOrPrnAmt><sshPrnamt>554</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>554</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>CORTEVA INC</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>22052L104</cusip><value>2251</value><shrsOrPrnAmt><sshPrnamt>29</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>29</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>COSTCO WHOLESALE CORP        COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>22160K105</cusip><value>226670</value><shrsOrPrnAmt><sshPrnamt>249</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>249</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>CRONOS GROUP INC</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>22717L101</cusip><value>4375</value><shrsOrPrnAmt><sshPrnamt>1330</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1330</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>CUMMINS INC</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>231021106</cusip><value>136372</value><shrsOrPrnAmt><sshPrnamt>264</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>264</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>D R HORTON INC</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>23331A109</cusip><value>13665</value><shrsOrPrnAmt><sshPrnamt>100</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>100</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>DANAHER CORPORATION          COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>235851102</cusip><value>796013</value><shrsOrPrnAmt><sshPrnamt>3593</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>3593</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>DANAHER CORPORATION          COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>235851102</cusip><value>22155</value><shrsOrPrnAmt><sshPrnamt>100</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>100</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>DEERE &amp; CO</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>244199105</cusip><value>25517</value><shrsOrPrnAmt><sshPrnamt>38</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>38</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>DELL TECHNOLOGIES INC CL C</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>24703L202</cusip><value>106514</value><shrsOrPrnAmt><sshPrnamt>198</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>198</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>DELTA AIRLINES INC</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>247361702</cusip><value>15022</value><shrsOrPrnAmt><sshPrnamt>180</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>180</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>DIAGEO PLC SPON ADR NEW</nameOfIssuer><titleOfClass>FOREIGN EQUITIES</titleOfClass><cusip>25243Q205</cusip><value>26364</value><shrsOrPrnAmt><sshPrnamt>308</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>308</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>DISNEY WALT CO               COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>254687106</cusip><value>845981</value><shrsOrPrnAmt><sshPrnamt>8065</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>8065</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>DISNEY WALT CO               COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>254687106</cusip><value>9965</value><shrsOrPrnAmt><sshPrnamt>95</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>95</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>DOMINION ENERGY INC NPV</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>25746U109</cusip><value>73651</value><shrsOrPrnAmt><sshPrnamt>1217</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1217</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>DOW INC</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>260557103</cusip><value>18201</value><shrsOrPrnAmt><sshPrnamt>661</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>661</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>DOW INC</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>260557103</cusip><value>3083</value><shrsOrPrnAmt><sshPrnamt>112</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>112</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>DUKE ENERGY CORP NEW</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>26441C204</cusip><value>117314</value><shrsOrPrnAmt><sshPrnamt>1029</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1029</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>DUPONT DE NEMOURS INC</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>26614N201</cusip><value>31690</value><shrsOrPrnAmt><sshPrnamt>244</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>244</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>DUPONT DE NEMOURS INC</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>26614N201</cusip><value>4676</value><shrsOrPrnAmt><sshPrnamt>36</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>36</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>EATON VANCE ENHANCED EQUITY INCOME FD II</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>278277108</cusip><value>8728</value><shrsOrPrnAmt><sshPrnamt>410</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>410</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ECOLAB INC                   COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>278865100</cusip><value>42830</value><shrsOrPrnAmt><sshPrnamt>156</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>156</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>EMERSON ELECTRIC CO          COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>291011104</cusip><value>101745</value><shrsOrPrnAmt><sshPrnamt>656</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>656</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>EMERSON ELECTRIC CO          COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>291011104</cusip><value>62040</value><shrsOrPrnAmt><sshPrnamt>400</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>400</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ENBRIDGE INC</nameOfIssuer><titleOfClass>FOREIGN EQUITIES</titleOfClass><cusip>29250N105</cusip><value>2463</value><shrsOrPrnAmt><sshPrnamt>53</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>53</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ENTERPRISE PRODS PARTNERS LPCOM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>293792107</cusip><value>106830</value><shrsOrPrnAmt><sshPrnamt>3000</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>3000</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>EQUIFAX INC                  COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>294429105</cusip><value>46249</value><shrsOrPrnAmt><sshPrnamt>337</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>337</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ESQUIRE FINL HLDGS INC</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>29667J101</cusip><value>40729</value><shrsOrPrnAmt><sshPrnamt>350</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>350</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ESSENTIAL UTILITIES INC</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>29670G102</cusip><value>29385</value><shrsOrPrnAmt><sshPrnamt>750</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>750</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>EVERCORE INC</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>29977A105</cusip><value>46350</value><shrsOrPrnAmt><sshPrnamt>180</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>180</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>EVERSOURCE ENERGY</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>30040W108</cusip><value>12830</value><shrsOrPrnAmt><sshPrnamt>200</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>200</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>FMQQ THE NEXT FRONTIER       INTERNET  ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>301505590</cusip><value>3552</value><shrsOrPrnAmt><sshPrnamt>300</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>300</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>EXELON CORP                  COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>30161N101</cusip><value>8080</value><shrsOrPrnAmt><sshPrnamt>200</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>200</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>F&amp;G ANNUITIES &amp; LIFE INC</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>30190A104</cusip><value>65</value><shrsOrPrnAmt><sshPrnamt>3</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>3</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>EXXONMOBIL HOLDINGS CORP</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>30233Q108</cusip><value>1599167</value><shrsOrPrnAmt><sshPrnamt>9826</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>9826</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>EXXONMOBIL HOLDINGS CORP</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>30233Q108</cusip><value>82351</value><shrsOrPrnAmt><sshPrnamt>506</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>506</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>META PLATFORMS INC</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>30303M102</cusip><value>134156</value><shrsOrPrnAmt><sshPrnamt>185</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>185</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>FACTSET RESEARCH SYSTEMS</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>303075105</cusip><value>7828</value><shrsOrPrnAmt><sshPrnamt>29</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>29</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>FASTENAL CO</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>311900104</cusip><value>59424</value><shrsOrPrnAmt><sshPrnamt>1200</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1200</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>FEDERAL AGRIC MTG CORP</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>313148306</cusip><value>4138</value><shrsOrPrnAmt><sshPrnamt>20</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>20</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>FEDEX CORPORATION            COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>31428X106</cusip><value>16249</value><shrsOrPrnAmt><sshPrnamt>57</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>57</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>FEDEX FGHT HLDG CO INC      COMMON STOCK</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>314352105</cusip><value>3061</value><shrsOrPrnAmt><sshPrnamt>28</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>28</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>FIDELITY ENHANCED SMALL CAP ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>31609A206</cusip><value>188790</value><shrsOrPrnAmt><sshPrnamt>4200</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>4200</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>FIDELITY ENHANCED LARGE CAP GROWTH ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>31609A305</cusip><value>4958</value><shrsOrPrnAmt><sshPrnamt>110</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>110</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>FIDELITY ENHANCED INTER ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>31609A404</cusip><value>813082</value><shrsOrPrnAmt><sshPrnamt>20378</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>20378</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>FIDELITY ENHANCED MID CAP   ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>31609A503</cusip><value>323040</value><shrsOrPrnAmt><sshPrnamt>8000</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>8000</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>FID MSCI CONSUMER           DISCRETIONARY INDEX</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>316092204</cusip><value>118670</value><shrsOrPrnAmt><sshPrnamt>1253</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1253</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>FID MSCI CONSUMER STAPLES   INDEX</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>316092303</cusip><value>111847</value><shrsOrPrnAmt><sshPrnamt>2200</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2200</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>FID MSCI FINANCIALS         INDEX</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>316092501</cusip><value>56259</value><shrsOrPrnAmt><sshPrnamt>743</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>743</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>FID MSCI HEALTH CARE INDEX</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>316092600</cusip><value>191096</value><shrsOrPrnAmt><sshPrnamt>2339</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2339</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>FID MSCI INFORMATION        TECHNOLOGY INDEX</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>316092808</cusip><value>441973</value><shrsOrPrnAmt><sshPrnamt>1473</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1473</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>FID MSCI COMMUNICATIONS     SERVICES INDEX</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>316092873</cusip><value>280622</value><shrsOrPrnAmt><sshPrnamt>3897</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>3897</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>FIDELITY NATL FINL INC</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>31620R303</cusip><value>1932</value><shrsOrPrnAmt><sshPrnamt>50</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>50</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>FIFTH THIRD BANCORP          COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>316773100</cusip><value>7587</value><shrsOrPrnAmt><sshPrnamt>150</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>150</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>FT WATER ETF</nameOfIssuer><titleOfClass>ETF - ALTERNATIVES</titleOfClass><cusip>33733B100</cusip><value>27501</value><shrsOrPrnAmt><sshPrnamt>265</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>265</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>FT DOW JONES INTERNET       INDEX FUND</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>33733E302</cusip><value>32593</value><shrsOrPrnAmt><sshPrnamt>113</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>113</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>FIRST TRUST CONSUMER DISCRET EFT</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>33734X101</cusip><value>29820</value><shrsOrPrnAmt><sshPrnamt>465</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>465</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>FIRST TRUST MTRLS ALPHADEX   ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>33734X168</cusip><value>30139</value><shrsOrPrnAmt><sshPrnamt>390</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>390</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>FIRST TRUST TR FD II IND ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>33734X838</cusip><value>3859</value><shrsOrPrnAmt><sshPrnamt>230</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>230</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>FIRST TRUST PFD  ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>33739E108</cusip><value>20448</value><shrsOrPrnAmt><sshPrnamt>1200</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1200</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>FISERV INC                   COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>337738108</cusip><value>16038</value><shrsOrPrnAmt><sshPrnamt>355</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>355</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>FORD MOTOR CO DEL COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>345370860</cusip><value>12060</value><shrsOrPrnAmt><sshPrnamt>1000</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1000</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>FORTIVE CORP USD 0.01</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>34959J108</cusip><value>15179</value><shrsOrPrnAmt><sshPrnamt>277</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>277</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>FORTIVE CORP USD 0.01</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>34959J108</cusip><value>2740</value><shrsOrPrnAmt><sshPrnamt>50</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>50</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>GE HEALTHCARE TECHNOLOGIES  INC</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>36266G107</cusip><value>9934</value><shrsOrPrnAmt><sshPrnamt>152</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>152</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>GE HEALTHCARE TECHNOLOGIES  INC</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>36266G107</cusip><value>326</value><shrsOrPrnAmt><sshPrnamt>5</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>5</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>GALLAGHER ARTHUR J &amp; CO     COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>363576109</cusip><value>17108</value><shrsOrPrnAmt><sshPrnamt>75</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>75</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>GE VERNOVA INC</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>36828A101</cusip><value>166333</value><shrsOrPrnAmt><sshPrnamt>175</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>175</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>GE VERNOVA INC</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>36828A101</cusip><value>3801</value><shrsOrPrnAmt><sshPrnamt>4</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>4</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>GENERAL DYNAMICS             COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>369550108</cusip><value>300282</value><shrsOrPrnAmt><sshPrnamt>905</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>905</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>GENERAL DYNAMICS             COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>369550108</cusip><value>16591</value><shrsOrPrnAmt><sshPrnamt>50</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>50</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>GE AEROSPACE</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>369604301</cusip><value>565214</value><shrsOrPrnAmt><sshPrnamt>1810</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1810</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>GE AEROSPACE</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>369604301</cusip><value>5621</value><shrsOrPrnAmt><sshPrnamt>18</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>18</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>GENERAL MILLS INC            COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>370334104</cusip><value>16426</value><shrsOrPrnAmt><sshPrnamt>511</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>511</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>GENERAL MILLS INC            COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>370334104</cusip><value>5626</value><shrsOrPrnAmt><sshPrnamt>175</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>175</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>GENERAL MOTORS CO</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>37045V100</cusip><value>21175</value><shrsOrPrnAmt><sshPrnamt>275</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>275</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>GERON CORP</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>374163103</cusip><value>15375</value><shrsOrPrnAmt><sshPrnamt>12500</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>12500</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>GILEAD SCIENCES              COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>375558103</cusip><value>897400</value><shrsOrPrnAmt><sshPrnamt>6021</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>6021</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>GILEAD SCIENCES              COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>375558103</cusip><value>13414</value><shrsOrPrnAmt><sshPrnamt>90</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>90</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>GSK PLC 25P ADR</nameOfIssuer><titleOfClass>FOREIGN EQUITIES</titleOfClass><cusip>37733W204</cusip><value>26247</value><shrsOrPrnAmt><sshPrnamt>545</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>545</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>GLOBAL X MLP &amp; ENERGY        INFRASTRUCTURE  ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>37954Y293</cusip><value>58640</value><shrsOrPrnAmt><sshPrnamt>840</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>840</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>GOLDMAN SACHS GROUP INC      COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>38141G104</cusip><value>21608</value><shrsOrPrnAmt><sshPrnamt>24</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>24</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>W.W. GRAINGER INC            COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>384802104</cusip><value>82219</value><shrsOrPrnAmt><sshPrnamt>66</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>66</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>HALEON PLC</nameOfIssuer><titleOfClass>FOREIGN EQUITIES</titleOfClass><cusip>405552100</cusip><value>6138</value><shrsOrPrnAmt><sshPrnamt>682</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>682</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>HANCOCK JOHN PFD INCOME FD</nameOfIssuer><titleOfClass>ETF - FIXED INCOME</titleOfClass><cusip>41013W108</cusip><value>5600</value><shrsOrPrnAmt><sshPrnamt>400</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>400</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>HERSHEY COMPANY</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>427866108</cusip><value>7880</value><shrsOrPrnAmt><sshPrnamt>50</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>50</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>HOME DEPOT INC               COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>437076102</cusip><value>729680</value><shrsOrPrnAmt><sshPrnamt>2565</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2565</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>HOME DEPOT INC               COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>437076102</cusip><value>81645</value><shrsOrPrnAmt><sshPrnamt>287</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>287</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>HONEYWELL AEROSPACE INC     INC</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>43849R105</cusip><value>65387</value><shrsOrPrnAmt><sshPrnamt>422</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>422</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>HONEYWELL AEROSPACE INC     INC</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>43849R105</cusip><value>10228</value><shrsOrPrnAmt><sshPrnamt>66</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>66</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>HONEYWELL TECHNOLOGIES</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>438516205</cusip><value>91751</value><shrsOrPrnAmt><sshPrnamt>435</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>435</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>HONEYWELL TECHNOLOGIES</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>438516205</cusip><value>13922</value><shrsOrPrnAmt><sshPrnamt>66</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>66</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ILLINOIS TOOL WORKS INC      COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>452308109</cusip><value>144067</value><shrsOrPrnAmt><sshPrnamt>560</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>560</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ILLINOIS TOOL WORKS INC      COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>452308109</cusip><value>36017</value><shrsOrPrnAmt><sshPrnamt>140</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>140</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>INDEPENDENT BANK CORP</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>453836108</cusip><value>26556</value><shrsOrPrnAmt><sshPrnamt>342</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>342</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>INTEL CORP                   COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>458140100</cusip><value>193809</value><shrsOrPrnAmt><sshPrnamt>1612</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1612</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>INTERCONTINENTAL EXCHANGE    INC</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>45866F104</cusip><value>82246</value><shrsOrPrnAmt><sshPrnamt>541</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>541</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>INTERNATIONAL BUSINESS MACHS COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>459200101</cusip><value>517928</value><shrsOrPrnAmt><sshPrnamt>2355</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2355</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>INTERNATIONAL BUSINESS MACHS COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>459200101</cusip><value>27491</value><shrsOrPrnAmt><sshPrnamt>125</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>125</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>INVESCO QQQ TRUST SERIES 1   ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>46090E103</cusip><value>318838</value><shrsOrPrnAmt><sshPrnamt>431</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>431</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>INTUITIVE SURGICAL</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>46120E602</cusip><value>11385</value><shrsOrPrnAmt><sshPrnamt>28</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>28</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>INTUIT INC</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>461202103</cusip><value>17920</value><shrsOrPrnAmt><sshPrnamt>65</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>65</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>INVESCO WILDERHILL CLN ENRGY ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>46137V134</cusip><value>2063</value><shrsOrPrnAmt><sshPrnamt>71</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>71</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>INVESCO WATER RESOURCES  ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>46137V142</cusip><value>23740</value><shrsOrPrnAmt><sshPrnamt>350</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>350</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>INVESCO S&amp;P 500 EQUAL WEIGHT ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>46137V357</cusip><value>63861</value><shrsOrPrnAmt><sshPrnamt>307</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>307</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>INVESCO MSCI SUSTAINABLE     FUTURE  ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>46137V407</cusip><value>8470</value><shrsOrPrnAmt><sshPrnamt>200</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>200</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>INVESCO EXCH TRADED FD TR    II PFD ETF</nameOfIssuer><titleOfClass>ETF - FIXED INCOME</titleOfClass><cusip>46138E511</cusip><value>2014</value><shrsOrPrnAmt><sshPrnamt>200</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>200</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>INVESCO KBW ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>46138E628</cusip><value>15699</value><shrsOrPrnAmt><sshPrnamt>180</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>180</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>INVESCO SENIOR LOAN ETF</nameOfIssuer><titleOfClass>ETF - FIXED INCOME</titleOfClass><cusip>46138G508</cusip><value>60164</value><shrsOrPrnAmt><sshPrnamt>2945</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2945</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>INVESCO NASDAQ 100  ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>46138G649</cusip><value>1523</value><shrsOrPrnAmt><sshPrnamt>5</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>5</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>IRON MTN I COM NPV</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>46284V101</cusip><value>39165</value><shrsOrPrnAmt><sshPrnamt>353</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>353</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ISHARES MSCI USA EQUAL      WEIGHTED ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>464286681</cusip><value>25274</value><shrsOrPrnAmt><sshPrnamt>227</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>227</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ISHARES SELECT DIVIDEND ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>464287168</cusip><value>236467</value><shrsOrPrnAmt><sshPrnamt>1555</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1555</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ISHARES TIPS BD ETF</nameOfIssuer><titleOfClass>ETF - FIXED INCOME</titleOfClass><cusip>464287176</cusip><value>19143</value><shrsOrPrnAmt><sshPrnamt>184</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>184</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ISHARES CORE U S AGGREGATE  BOND ETF</nameOfIssuer><titleOfClass>ETF - FIXED INCOME</titleOfClass><cusip>464287226</cusip><value>52091</value><shrsOrPrnAmt><sshPrnamt>551</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>551</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ISHARES MSCI EMG MKT ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>464287234</cusip><value>494244</value><shrsOrPrnAmt><sshPrnamt>7400</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>7400</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ISHARES IBOXX INV CP ETF</nameOfIssuer><titleOfClass>ETF - FIXED INCOME</titleOfClass><cusip>464287242</cusip><value>11239</value><shrsOrPrnAmt><sshPrnamt>110</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>110</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ISHARES 7-10 YEAR TREASURY  BOND</nameOfIssuer><titleOfClass>ETF - FIXED INCOME</titleOfClass><cusip>464287440</cusip><value>237206</value><shrsOrPrnAmt><sshPrnamt>2656</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2656</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ISHARES MSCI EAFE ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>464287465</cusip><value>788628</value><shrsOrPrnAmt><sshPrnamt>7591</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>7591</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ISHARES RUSSELL MID-CAP      GROWTH  ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>464287481</cusip><value>4130</value><shrsOrPrnAmt><sshPrnamt>30</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>30</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ISHARES RUSSELL MID-CAP  ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>464287499</cusip><value>106710</value><shrsOrPrnAmt><sshPrnamt>1000</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1000</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ISHARES TR CORE S&amp;P MID-CAP ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>464287507</cusip><value>120514</value><shrsOrPrnAmt><sshPrnamt>1675</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1675</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ISHARES SELECT U.S. REIT ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>464287564</cusip><value>18870</value><shrsOrPrnAmt><sshPrnamt>300</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>300</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ISHARES U.S. CNSMR DISC  ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>464287580</cusip><value>3791</value><shrsOrPrnAmt><sshPrnamt>40</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>40</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ISHARES RUS 1000 VALUE ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>464287598</cusip><value>71898</value><shrsOrPrnAmt><sshPrnamt>290</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>290</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ISHARES S&amp;P MIDCAP 400 GR    ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>464287606</cusip><value>17537</value><shrsOrPrnAmt><sshPrnamt>160</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>160</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ISHARES RUS 1000 GROWTH     ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>464287614</cusip><value>181623</value><shrsOrPrnAmt><sshPrnamt>1450</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1450</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ISHARES RUSSELL 1000 ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>464287622</cusip><value>10403</value><shrsOrPrnAmt><sshPrnamt>25</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>25</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ISHARES RUSSELL 2000 ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>464287655</cusip><value>381528</value><shrsOrPrnAmt><sshPrnamt>1373</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1373</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ISHARES S&amp;P MIDCAP 400 VL   ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>464287705</cusip><value>58801</value><shrsOrPrnAmt><sshPrnamt>427</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>427</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ISHARES S&amp;P SMALL CAP 600    INDEX FD ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>464287804</cusip><value>244597</value><shrsOrPrnAmt><sshPrnamt>1798</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1798</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ISHARES U.S. CONSUMR STAPLES ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>464287812</cusip><value>21216</value><shrsOrPrnAmt><sshPrnamt>300</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>300</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ISHARES U.S. BASIC MTLS ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>464287838</cusip><value>163874</value><shrsOrPrnAmt><sshPrnamt>920</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>920</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ISHARES EAFE SMALL-CAP ETF</nameOfIssuer><titleOfClass>TXBL MUTUAL FUNDS-EQUITIES</titleOfClass><cusip>464288273</cusip><value>6331</value><shrsOrPrnAmt><sshPrnamt>75</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>75</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ISHARES INVT GRD BD</nameOfIssuer><titleOfClass>ETF - FIXED INCOME</titleOfClass><cusip>464288620</cusip><value>19285</value><shrsOrPrnAmt><sshPrnamt>396</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>396</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ISHARES INTERM CREDIT BD ETF</nameOfIssuer><titleOfClass>TXBL MUTUAL FUNDS-BONDS</titleOfClass><cusip>464288638</cusip><value>288195</value><shrsOrPrnAmt><sshPrnamt>5725</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>5725</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ISHARES TR 1-3 YEAR CR BD    ETF</nameOfIssuer><titleOfClass>ETF - FIXED INCOME</titleOfClass><cusip>464288646</cusip><value>224496</value><shrsOrPrnAmt><sshPrnamt>4383</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>4383</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ISHARES 10-20 YR TREAS</nameOfIssuer><titleOfClass>ETF - FIXED INCOME</titleOfClass><cusip>464288653</cusip><value>8663</value><shrsOrPrnAmt><sshPrnamt>94</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>94</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ISHARES TR PFD &amp; INCOME SECS ETF</nameOfIssuer><titleOfClass>ETF - FIXED INCOME</titleOfClass><cusip>464288687</cusip><value>178622</value><shrsOrPrnAmt><sshPrnamt>6055</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>6055</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ISHARES TR US HLTHCR PR     ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>464288828</cusip><value>21952</value><shrsOrPrnAmt><sshPrnamt>400</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>400</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ISHARES TR US PHARMACEUTICAL ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>464288836</cusip><value>50058</value><shrsOrPrnAmt><sshPrnamt>498</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>498</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ISHARES US TREASURY BOND ETF</nameOfIssuer><titleOfClass>ETF - FIXED INCOME</titleOfClass><cusip>46429B267</cusip><value>56989</value><shrsOrPrnAmt><sshPrnamt>2607</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2607</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ISHARES CORE MSCI EAFE ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>46432F842</cusip><value>237545</value><shrsOrPrnAmt><sshPrnamt>2452</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2452</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ISHARES CORE MSCI EMERGING   MARKETS ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>46434G103</cusip><value>348373</value><shrsOrPrnAmt><sshPrnamt>4293</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>4293</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ISHARES TR MSCI JAPAN ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>46434G822</cusip><value>96290</value><shrsOrPrnAmt><sshPrnamt>988</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>988</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ISHARES INTL EQUITY         FACTOR ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>46434V274</cusip><value>4772</value><shrsOrPrnAmt><sshPrnamt>115</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>115</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ISHARES US EQUITY FACTOR    ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>46434V282</cusip><value>18294</value><shrsOrPrnAmt><sshPrnamt>235</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>235</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ISHARES EXPONENTIAL          TECHNOLOGIES  ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>46434V381</cusip><value>4170</value><shrsOrPrnAmt><sshPrnamt>50</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>50</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ISHARES CURRENCY HEDGE MSCI EUROZONE ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>46434V639</cusip><value>108192</value><shrsOrPrnAmt><sshPrnamt>2234</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2234</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ISHARES RUSSELL 2500  ETF</nameOfIssuer><titleOfClass>TXBL MUTUAL FUNDS-EQUITIES</titleOfClass><cusip>46435G268</cusip><value>18814</value><shrsOrPrnAmt><sshPrnamt>220</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>220</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ISHARES CURRENCY HEDGED MSCIACWI EX US ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>46435G847</cusip><value>12031</value><shrsOrPrnAmt><sshPrnamt>265</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>265</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ISHARES TR BROAD USD HIGH    YIELD COR  ETF</nameOfIssuer><titleOfClass>ETF - FIXED INCOME</titleOfClass><cusip>46435U853</cusip><value>15001</value><shrsOrPrnAmt><sshPrnamt>420</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>420</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>JPMORGAN CHASE &amp; CO          COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>46625H100</cusip><value>4942058</value><shrsOrPrnAmt><sshPrnamt>14939</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>14939</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>JPMORGAN CHASE &amp; CO          COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>46625H100</cusip><value>182611</value><shrsOrPrnAmt><sshPrnamt>552</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>552</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>JPMORGAN EQUITY PREMIUM      INCOME  ETF</nameOfIssuer><titleOfClass>TXBL MUTUAL FUNDS-EQUITIES</titleOfClass><cusip>46641Q332</cusip><value>44976</value><shrsOrPrnAmt><sshPrnamt>800</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>800</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>JP MORGAN NASDAQ EQUITY PREM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>46654Q203</cusip><value>20522</value><shrsOrPrnAmt><sshPrnamt>335</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>335</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>JOHNSON &amp; JOHNSON            COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>478160104</cusip><value>598806</value><shrsOrPrnAmt><sshPrnamt>2262</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2262</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>JOHNSON &amp; JOHNSON            COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>478160104</cusip><value>105892</value><shrsOrPrnAmt><sshPrnamt>400</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>400</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>KLA CORPORATION</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>482480100</cusip><value>157892</value><shrsOrPrnAmt><sshPrnamt>810</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>810</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>KIMBERLY- CLARK CORP         COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>494368103</cusip><value>57188</value><shrsOrPrnAmt><sshPrnamt>587</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>587</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>KRAFT HEINZ CO</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>500754106</cusip><value>5336</value><shrsOrPrnAmt><sshPrnamt>235</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>235</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>LAM NPV</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>512807306</cusip><value>16425</value><shrsOrPrnAmt><sshPrnamt>50</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>50</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ESTEE LAUDER                 COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>518439104</cusip><value>18554</value><shrsOrPrnAmt><sshPrnamt>200</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>200</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>LILLY ELI &amp; CO               COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>532457108</cusip><value>1860551</value><shrsOrPrnAmt><sshPrnamt>1608</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1608</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>LILLY ELI &amp; CO               COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>532457108</cusip><value>17356</value><shrsOrPrnAmt><sshPrnamt>15</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>15</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>LINEAGE CELL THERAPUTICS INC</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>53566P109</cusip><value>11874</value><shrsOrPrnAmt><sshPrnamt>12499</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>12499</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>LOCKHEED MARTIN CORP        COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>539830109</cusip><value>239347</value><shrsOrPrnAmt><sshPrnamt>470</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>470</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>LOWES COS INC                COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>548661107</cusip><value>91772</value><shrsOrPrnAmt><sshPrnamt>498</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>498</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>LOWES COS INC                COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>548661107</cusip><value>14006</value><shrsOrPrnAmt><sshPrnamt>76</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>76</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>M&amp;T BANK CORP</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>55261F104</cusip><value>19801</value><shrsOrPrnAmt><sshPrnamt>91</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>91</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>MANULIFE FINL CORP</nameOfIssuer><titleOfClass>FOREIGN EQUITIES</titleOfClass><cusip>56501R106</cusip><value>23211</value><shrsOrPrnAmt><sshPrnamt>545</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>545</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>MARATHON PETROLEUM CORP</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>56585A102</cusip><value>1709738</value><shrsOrPrnAmt><sshPrnamt>4324</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>4324</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>MARSH &amp; MCLENNAN COS INC     COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>571748102</cusip><value>22022</value><shrsOrPrnAmt><sshPrnamt>129</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>129</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>MARRIOTT INTERNATIONAL - A  COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>571903202</cusip><value>17783</value><shrsOrPrnAmt><sshPrnamt>50</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>50</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>MASTERCARD INC CL A</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>57636Q104</cusip><value>2553761</value><shrsOrPrnAmt><sshPrnamt>4631</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>4631</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>MASTERCARD INC CL A</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>57636Q104</cusip><value>131798</value><shrsOrPrnAmt><sshPrnamt>239</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>239</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>MATCH GROUP INC</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>57667L107</cusip><value>1927</value><shrsOrPrnAmt><sshPrnamt>48</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>48</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>MCCORMICK &amp; CO               COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>579780206</cusip><value>22364</value><shrsOrPrnAmt><sshPrnamt>482</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>482</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>MCDONALDS CORP               COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>580135101</cusip><value>854462</value><shrsOrPrnAmt><sshPrnamt>3700</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>3700</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>MCDONALDS CORP               COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>580135101</cusip><value>11547</value><shrsOrPrnAmt><sshPrnamt>50</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>50</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>MCKESSON CORPORATION         COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>58155Q103</cusip><value>6830</value><shrsOrPrnAmt><sshPrnamt>8</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>8</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>MERCK &amp; CO INC NEW</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>58933Y105</cusip><value>315898</value><shrsOrPrnAmt><sshPrnamt>2174</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2174</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>MERCK &amp; CO INC NEW</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>58933Y105</cusip><value>56670</value><shrsOrPrnAmt><sshPrnamt>390</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>390</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>METLIFE INC                  COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>59156R108</cusip><value>2353</value><shrsOrPrnAmt><sshPrnamt>25</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>25</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>MICROSOFT CORP               COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>594918104</cusip><value>11676388</value><shrsOrPrnAmt><sshPrnamt>22766</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>22766</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>MICROSOFT CORP               COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>594918104</cusip><value>176432</value><shrsOrPrnAmt><sshPrnamt>344</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>344</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>MICROCHIP TECHNOLOGY INC     COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>595017104</cusip><value>272267</value><shrsOrPrnAmt><sshPrnamt>3501</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>3501</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>MICROCHIP TECHNOLOGY INC     COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>595017104</cusip><value>39817</value><shrsOrPrnAmt><sshPrnamt>512</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>512</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>MODERNA INC</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>60770K107</cusip><value>67399</value><shrsOrPrnAmt><sshPrnamt>350</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>350</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>MONDELEZ INTL INC</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>609207105</cusip><value>74632</value><shrsOrPrnAmt><sshPrnamt>1291</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1291</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>MONDELEZ INTL INC</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>609207105</cusip><value>7226</value><shrsOrPrnAmt><sshPrnamt>125</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>125</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>MORGAN STANLEY               COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>617446448</cusip><value>245442</value><shrsOrPrnAmt><sshPrnamt>1305</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1305</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>NASDAQ INC</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>631103108</cusip><value>13801</value><shrsOrPrnAmt><sshPrnamt>150</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>150</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>NETFLIX INC</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>64110L106</cusip><value>5566</value><shrsOrPrnAmt><sshPrnamt>80</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>80</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>NEXTERA ENERGY INC</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>65339F101</cusip><value>531909</value><shrsOrPrnAmt><sshPrnamt>7023</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>7023</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>NEXTERA ENERGY INC</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>65339F101</cusip><value>77253</value><shrsOrPrnAmt><sshPrnamt>1020</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>1020</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>NIKE CORP                    COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>654106103</cusip><value>138029</value><shrsOrPrnAmt><sshPrnamt>3901</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>3901</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>NIKE CORP                    COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>654106103</cusip><value>2123</value><shrsOrPrnAmt><sshPrnamt>60</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>60</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>NORDSON CORP NPV</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>655663102</cusip><value>5410015</value><shrsOrPrnAmt><sshPrnamt>16502</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>16502</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>NORFOLK SOUTHN CORP          COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>655844108</cusip><value>72615</value><shrsOrPrnAmt><sshPrnamt>235</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>235</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>NORFOLK SOUTHN CORP          COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>655844108</cusip><value>30900</value><shrsOrPrnAmt><sshPrnamt>100</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>100</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>NOVARTIS AG SPNSRD ADR</nameOfIssuer><titleOfClass>FOREIGN EQUITIES</titleOfClass><cusip>66987V109</cusip><value>153829</value><shrsOrPrnAmt><sshPrnamt>1079</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1079</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>NOVO-NORDISK A S DKK ADR</nameOfIssuer><titleOfClass>FOREIGN EQUITIES</titleOfClass><cusip>670100205</cusip><value>9475</value><shrsOrPrnAmt><sshPrnamt>250</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>250</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>NUVEEN ENHANCED AMT-FREE     QUALITY MUN FD ETF</nameOfIssuer><titleOfClass>ETF - TAX EXEMPT</titleOfClass><cusip>670657105</cusip><value>6417</value><shrsOrPrnAmt><sshPrnamt>645</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>645</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>NVIDIA CORPORATION</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>67066G104</cusip><value>739949</value><shrsOrPrnAmt><sshPrnamt>3240</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>3240</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>NVIDIA CORPORATION</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>67066G104</cusip><value>38824</value><shrsOrPrnAmt><sshPrnamt>170</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>170</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>NUVEEN MUNICIPAL CREDIT      INCOME FUND</nameOfIssuer><titleOfClass>ETF - TAX EXEMPT</titleOfClass><cusip>67070X101</cusip><value>51550</value><shrsOrPrnAmt><sshPrnamt>4760</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>4760</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>OGE ENERGY CORP USD</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>670837103</cusip><value>9082</value><shrsOrPrnAmt><sshPrnamt>200</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>200</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>O&apos;REILLY AUTOMOTIVE INC</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>67103H107</cusip><value>38430</value><shrsOrPrnAmt><sshPrnamt>450</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>450</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>INSIGHT MOLECULAR DIAGNOSTIC</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>68235C206</cusip><value>89</value><shrsOrPrnAmt><sshPrnamt>25</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>25</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ONDAS INC                   COM NEW</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>68236H204</cusip><value>14660</value><shrsOrPrnAmt><sshPrnamt>2000</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2000</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ORACLE CORP                  COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>68389X105</cusip><value>17437</value><shrsOrPrnAmt><sshPrnamt>127</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>127</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ORACLE CORP                  COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>68389X105</cusip><value>69336</value><shrsOrPrnAmt><sshPrnamt>505</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>505</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ORGANON &amp; CO</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>68622V106</cusip><value>137</value><shrsOrPrnAmt><sshPrnamt>10</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>10</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>OTIS WORLDWIDE CORP</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>68902V107</cusip><value>24241</value><shrsOrPrnAmt><sshPrnamt>377</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>377</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>OTIS WORLDWIDE CORP</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>68902V107</cusip><value>12218</value><shrsOrPrnAmt><sshPrnamt>190</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>190</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>PGIM AAA CLO ETF</nameOfIssuer><titleOfClass>ETF - FIXED INCOME</titleOfClass><cusip>69344A834</cusip><value>372466</value><shrsOrPrnAmt><sshPrnamt>7262</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>7262</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>PNC FINANCIAL SERVICES GROUPCOM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>693475105</cusip><value>16669</value><shrsOrPrnAmt><sshPrnamt>75</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>75</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>PPG INDS INC                 COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>693506107</cusip><value>23995</value><shrsOrPrnAmt><sshPrnamt>230</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>230</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>PPG INDS INC                 COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>693506107</cusip><value>20866</value><shrsOrPrnAmt><sshPrnamt>200</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>200</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>PALO ALTO NETWORKS          INC</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>697435105</cusip><value>139055</value><shrsOrPrnAmt><sshPrnamt>350</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>350</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>PARKER HANNIFIN CORP</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>701094104</cusip><value>47770</value><shrsOrPrnAmt><sshPrnamt>50</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>50</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>PAYCHEX INC                 COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>704326107</cusip><value>11130</value><shrsOrPrnAmt><sshPrnamt>113</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>113</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>PEPSICO INC                  COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>713448108</cusip><value>866979</value><shrsOrPrnAmt><sshPrnamt>6842</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>6842</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>PEPSICO INC                  COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>713448108</cusip><value>49547</value><shrsOrPrnAmt><sshPrnamt>391</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>391</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>PFIZER INC                   COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>717081103</cusip><value>12518</value><shrsOrPrnAmt><sshPrnamt>439</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>439</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>PHILIP MORRIS INTL INC</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>718172109</cusip><value>121170</value><shrsOrPrnAmt><sshPrnamt>635</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>635</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>PHILLIPS 66</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>718546104</cusip><value>158032</value><shrsOrPrnAmt><sshPrnamt>619</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>619</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>PHILLIPS 66</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>718546104</cusip><value>19148</value><shrsOrPrnAmt><sshPrnamt>75</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>75</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>PINNACLE WEST CAP CORP       COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>723484101</cusip><value>6512</value><shrsOrPrnAmt><sshPrnamt>70</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>70</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>T ROWE PRICE GROUP INC       COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>74144T108</cusip><value>3433</value><shrsOrPrnAmt><sshPrnamt>33</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>33</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>PROCTER AND GAMBLE CO        COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>742718109</cusip><value>546245</value><shrsOrPrnAmt><sshPrnamt>3760</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>3760</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>PROCTER AND GAMBLE CO        COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>742718109</cusip><value>46924</value><shrsOrPrnAmt><sshPrnamt>323</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>323</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>PROLOGIS INC</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>74340W103</cusip><value>12984</value><shrsOrPrnAmt><sshPrnamt>100</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>100</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>PRUDENTIAL FINANCIAL, INC    COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>744320102</cusip><value>1231279</value><shrsOrPrnAmt><sshPrnamt>10841</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>10841</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>PRUDENTIAL FINANCIAL, INC    COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>744320102</cusip><value>40319</value><shrsOrPrnAmt><sshPrnamt>355</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>355</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>QNITY ELECTRONICS INC       COMMON STOCK</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>74743L100</cusip><value>46897</value><shrsOrPrnAmt><sshPrnamt>373</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>373</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>QNITY ELECTRONICS INC       COMMON STOCK</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>74743L100</cusip><value>1760</value><shrsOrPrnAmt><sshPrnamt>14</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>14</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>QUALCOMM INC                 COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>747525103</cusip><value>18403</value><shrsOrPrnAmt><sshPrnamt>100</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>100</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>QUANTA SERVICES INC</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>74762E102</cusip><value>9637</value><shrsOrPrnAmt><sshPrnamt>15</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>15</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>RALLIANT CORP               COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>750940108</cusip><value>1383</value><shrsOrPrnAmt><sshPrnamt>20</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>20</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>RALLIANT CORP               COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>750940108</cusip><value>1106</value><shrsOrPrnAmt><sshPrnamt>16</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>16</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>RTX CORPORATION              COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>75513E101</cusip><value>2206766</value><shrsOrPrnAmt><sshPrnamt>11887</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>11887</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>RTX CORPORATION              COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>75513E101</cusip><value>98394</value><shrsOrPrnAmt><sshPrnamt>530</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>530</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>REALTY INCOME CORP  REIT    COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>756109104</cusip><value>21716</value><shrsOrPrnAmt><sshPrnamt>400</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>400</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ROCKET LAB CORP</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>773121108</cusip><value>38324</value><shrsOrPrnAmt><sshPrnamt>550</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>550</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ROSS STORES INC</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>778296103</cusip><value>35010</value><shrsOrPrnAmt><sshPrnamt>150</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>150</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>SHELL PLC NPV ADR</nameOfIssuer><titleOfClass>FOREIGN EQUITIES</titleOfClass><cusip>780259305</cusip><value>6273</value><shrsOrPrnAmt><sshPrnamt>66</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>66</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>S &amp; P 500 INDEX DEP RECEIPTS ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>78462F103</cusip><value>1718201</value><shrsOrPrnAmt><sshPrnamt>2253</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2253</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>SPDR GOLD TRUST ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>78463V107</cusip><value>65501</value><shrsOrPrnAmt><sshPrnamt>172</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>172</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>SPDR SERIES TRUST           ST STR DOW REIT</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>78464A607</cusip><value>105864</value><shrsOrPrnAmt><sshPrnamt>1009</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1009</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>SPDR S&amp;P DIVIDEND  ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>78464A763</cusip><value>75437</value><shrsOrPrnAmt><sshPrnamt>515</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>515</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>STATE STREET SPDR S&amp;P 400   ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>78467Y107</cusip><value>36775</value><shrsOrPrnAmt><sshPrnamt>56</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>56</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>SPDR BLOOMBERG               1-3 T-BILL  ETF</nameOfIssuer><titleOfClass>ETF - FIXED INCOME</titleOfClass><cusip>78468R663</cusip><value>24099</value><shrsOrPrnAmt><sshPrnamt>263</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>263</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>SPDR SERIES TRUST           ST STR SP600 SML</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>78468R853</cusip><value>105720</value><shrsOrPrnAmt><sshPrnamt>2000</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2000</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>SALESFORCE INC</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>79466L302</cusip><value>11478</value><shrsOrPrnAmt><sshPrnamt>50</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>50</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>SCHLUMBERGER LTD             COM STK</nameOfIssuer><titleOfClass>FOREIGN EQUITIES</titleOfClass><cusip>806857108</cusip><value>12082</value><shrsOrPrnAmt><sshPrnamt>248</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>248</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>SCHLUMBERGER LTD             COM STK</nameOfIssuer><titleOfClass>FOREIGN EQUITIES</titleOfClass><cusip>806857108</cusip><value>7308</value><shrsOrPrnAmt><sshPrnamt>150</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>150</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>SCHWAB CHARLES CORP          COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>808513105</cusip><value>20232</value><shrsOrPrnAmt><sshPrnamt>207</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>207</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>SCHWAB U.S. BROAD MARKET     ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>808524102</cusip><value>176854</value><shrsOrPrnAmt><sshPrnamt>6036</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>6036</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>SCHWAB US LARGE CAP</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>808524201</cusip><value>1079490</value><shrsOrPrnAmt><sshPrnamt>35983</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>35983</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>SCHWAB US LARGE-CAP GROWTH  ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>808524300</cusip><value>227580</value><shrsOrPrnAmt><sshPrnamt>6334</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>6334</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>SCHWAB US SMALL-CAP  ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>808524607</cusip><value>561984</value><shrsOrPrnAmt><sshPrnamt>17223</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>17223</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>SCHWAB MBS ETF</nameOfIssuer><titleOfClass>ETF - FIXED INCOME</titleOfClass><cusip>808524615</cusip><value>125616</value><shrsOrPrnAmt><sshPrnamt>5234</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>5234</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>SCHWAB 5-10 YEAR CORPORATE  BOND</nameOfIssuer><titleOfClass>ETF - FIXED INCOME</titleOfClass><cusip>808524698</cusip><value>134215</value><shrsOrPrnAmt><sshPrnamt>6263</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>6263</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>SCHWAB EMERGING MARKETS     EQUITY</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>808524706</cusip><value>70166</value><shrsOrPrnAmt><sshPrnamt>1925</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1925</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>SCHWAB 1-5 YEAR CORPORATE   BOND</nameOfIssuer><titleOfClass>ETF - FIXED INCOME</titleOfClass><cusip>808524714</cusip><value>17127</value><shrsOrPrnAmt><sshPrnamt>711</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>711</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>SCHWAB FUNDAMENTAL US BROAD MARKET ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>808524789</cusip><value>35354</value><shrsOrPrnAmt><sshPrnamt>1155</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1155</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>SCHWAB U.S. DIVIDEND EQUITY  ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>808524797</cusip><value>296515</value><shrsOrPrnAmt><sshPrnamt>9118</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>9118</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>SCHWAB INTERNATIONAL EQUITY  ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>808524805</cusip><value>604174</value><shrsOrPrnAmt><sshPrnamt>22002</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>22002</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>SCHWAB US REIT ETF</nameOfIssuer><titleOfClass>ETF - ALTERNATIVES</titleOfClass><cusip>808524847</cusip><value>290707</value><shrsOrPrnAmt><sshPrnamt>13196</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>13196</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>SPDR MATERIALS SELECT       SECTOR  ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>81369Y100</cusip><value>562662</value><shrsOrPrnAmt><sshPrnamt>11554</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>11554</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>SPDR MATERIALS SELECT       SECTOR  ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>81369Y100</cusip><value>7402</value><shrsOrPrnAmt><sshPrnamt>152</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>152</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>SPDR HEALTH CARE SELECT     SECTOR ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>81369Y209</cusip><value>22568</value><shrsOrPrnAmt><sshPrnamt>134</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>134</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>SPDR CONSUMER STAPLES       SELECT SECTOR ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>81369Y308</cusip><value>32643</value><shrsOrPrnAmt><sshPrnamt>405</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>405</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>SPDR CONSUMER FUND</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>81369Y407</cusip><value>14149</value><shrsOrPrnAmt><sshPrnamt>130</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>130</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>CEF SELECT SECTOR SPDR       UNIT INVT TR</nameOfIssuer><titleOfClass>TXBL MUTUAL FUNDS-EQUITIES</titleOfClass><cusip>81369Y506</cusip><value>7995</value><shrsOrPrnAmt><sshPrnamt>130</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>130</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>SPDR FINANCIAL SELECT SECTOR ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>81369Y605</cusip><value>56283</value><shrsOrPrnAmt><sshPrnamt>1054</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1054</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>SPDR INDUSTRIAL SELECT      SECTOR  ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>81369Y704</cusip><value>51095</value><shrsOrPrnAmt><sshPrnamt>306</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>306</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>SPDR TECHNOLOGY SELECT      SECTOR  ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>81369Y803</cusip><value>57942</value><shrsOrPrnAmt><sshPrnamt>296</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>296</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>REAL ESTATE SELECT SECT SPDR</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>81369Y860</cusip><value>1676</value><shrsOrPrnAmt><sshPrnamt>41</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>41</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>SERINA THERAPEUTICS INC</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>81751A108</cusip><value>56</value><shrsOrPrnAmt><sshPrnamt>28</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>28</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>SILVERCREST ASSET MGMT</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>828359109</cusip><value>1320</value><shrsOrPrnAmt><sshPrnamt>125</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>125</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>SMUCKER J M CO               COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>832696405</cusip><value>14863</value><shrsOrPrnAmt><sshPrnamt>125</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>125</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>SOLSTICE ADVANCED MATLS INC COM SHS</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>83443Q103</cusip><value>7544</value><shrsOrPrnAmt><sshPrnamt>134</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>134</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>SOUTHERN CO                  COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>842587107</cusip><value>28179</value><shrsOrPrnAmt><sshPrnamt>340</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>340</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>SOUTHWEST AIRLINES CO        COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>844741108</cusip><value>20815</value><shrsOrPrnAmt><sshPrnamt>500</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>500</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>SPACE EXPLORATION           TECHNOLOGIES</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>84615Q103</cusip><value>94287</value><shrsOrPrnAmt><sshPrnamt>625</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>625</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>STARBUCKS CORP               COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>855244109</cusip><value>32415</value><shrsOrPrnAmt><sshPrnamt>345</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>345</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>STATE STR CORP               COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>857477103</cusip><value>614177</value><shrsOrPrnAmt><sshPrnamt>3518</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>3518</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>STRYKER CORP                 COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>863667101</cusip><value>950010</value><shrsOrPrnAmt><sshPrnamt>3450</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>3450</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>SYNCHRONY FINANCIAL</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>87165B103</cusip><value>4187</value><shrsOrPrnAmt><sshPrnamt>59</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>59</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>SYSCO CORP                   COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>871829107</cusip><value>24010</value><shrsOrPrnAmt><sshPrnamt>308</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>308</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>TJX COMPANIES, INC</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>872540109</cusip><value>2992402</value><shrsOrPrnAmt><sshPrnamt>22617</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>22617</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>TJX COMPANIES, INC</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>872540109</cusip><value>72770</value><shrsOrPrnAmt><sshPrnamt>550</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>550</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>TAIWAN SEMICONDUCTOR MFG    COM</nameOfIssuer><titleOfClass>FOREIGN EQUITIES</titleOfClass><cusip>874039100</cusip><value>13229</value><shrsOrPrnAmt><sshPrnamt>29</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>29</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>TAKEDA PHARMACEUTICAL CO LTD</nameOfIssuer><titleOfClass>FOREIGN EQUITIES</titleOfClass><cusip>874060205</cusip><value>9417</value><shrsOrPrnAmt><sshPrnamt>518</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>518</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>TARGET CORP                  COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>87612E106</cusip><value>164362</value><shrsOrPrnAmt><sshPrnamt>1049</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1049</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>TELEDYNE TECHNOLOGIES INC</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>879360105</cusip><value>360404</value><shrsOrPrnAmt><sshPrnamt>594</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>594</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>TESLA INC</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>88160R101</cusip><value>1419</value><shrsOrPrnAmt><sshPrnamt>4</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>4</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>TEXAS INSTRS INC             COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>882508104</cusip><value>1265395</value><shrsOrPrnAmt><sshPrnamt>4518</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>4518</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>TEXAS INSTRS INC             COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>882508104</cusip><value>98028</value><shrsOrPrnAmt><sshPrnamt>350</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>350</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>THERMO FISHER SCIENTIFIC     COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>883556102</cusip><value>30375</value><shrsOrPrnAmt><sshPrnamt>45</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>45</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>3M CO                        COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>88579Y101</cusip><value>28560</value><shrsOrPrnAmt><sshPrnamt>174</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>174</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>TILRAY BRANDS INC           COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>88688T209</cusip><value>78</value><shrsOrPrnAmt><sshPrnamt>21</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>21</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>TOAST INC</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>888787108</cusip><value>34776</value><shrsOrPrnAmt><sshPrnamt>1200</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1200</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>TORONTO-DOMINION BANK NEW    COM</nameOfIssuer><titleOfClass>FOREIGN EQUITIES</titleOfClass><cusip>891160509</cusip><value>30910</value><shrsOrPrnAmt><sshPrnamt>263</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>263</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>TRAVELERS COS INC            COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>89417E109</cusip><value>56326</value><shrsOrPrnAmt><sshPrnamt>158</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>158</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>TRUIST FINANCIAL CORP</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>89832Q109</cusip><value>16664</value><shrsOrPrnAmt><sshPrnamt>360</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>360</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>U.S. BANCORP                 COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>902973304</cusip><value>3985</value><shrsOrPrnAmt><sshPrnamt>69</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>69</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>UNILEVER PLC                SPON ADR NEW</nameOfIssuer><titleOfClass>FOREIGN EQUITIES</titleOfClass><cusip>904767803</cusip><value>6982</value><shrsOrPrnAmt><sshPrnamt>115</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>115</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>UNION PAC CORP               COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>907818108</cusip><value>2035749</value><shrsOrPrnAmt><sshPrnamt>7481</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>7481</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>UNION PAC CORP               COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>907818108</cusip><value>53609</value><shrsOrPrnAmt><sshPrnamt>197</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>197</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>UNITED PARCEL SERVICE INC    CL B</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>911312106</cusip><value>23360</value><shrsOrPrnAmt><sshPrnamt>250</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>250</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>UNITEDHEALTH GROUP INC       COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>91324P102</cusip><value>1803361</value><shrsOrPrnAmt><sshPrnamt>4913</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>4913</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>UNITEDHEALTH GROUP INC       COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>91324P102</cusip><value>80020</value><shrsOrPrnAmt><sshPrnamt>218</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>218</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>UNITIL CORP                  COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>913259107</cusip><value>15224</value><shrsOrPrnAmt><sshPrnamt>300</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>300</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>VANECK SEMICONDUCTOR ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>92189F676</cusip><value>3348891</value><shrsOrPrnAmt><sshPrnamt>5499</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>5499</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>VANECK SEMICONDUCTOR ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>92189F676</cusip><value>205842</value><shrsOrPrnAmt><sshPrnamt>338</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>338</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>VANGUARD DIV APPRECIATION   ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>921908844</cusip><value>34529</value><shrsOrPrnAmt><sshPrnamt>148</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>148</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>VANGUARD TOTAL INTL STOCK     INDEX FD  ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>921909768</cusip><value>1019</value><shrsOrPrnAmt><sshPrnamt>12</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>12</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>VANGUARD WORLD FUND  ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>921910725</cusip><value>31613</value><shrsOrPrnAmt><sshPrnamt>390</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>390</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>VANGUARD ESQ US STOCK FD ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>921910733</cusip><value>96361</value><shrsOrPrnAmt><sshPrnamt>711</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>711</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>VANGUARD WELLINGTON FD ST EX BOND ETF</nameOfIssuer><titleOfClass>ETF - FIXED INCOME</titleOfClass><cusip>921935870</cusip><value>493000</value><shrsOrPrnAmt><sshPrnamt>5000</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>5000</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>VANGUARD DEV MKTS INDEX FD   ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>921943858</cusip><value>280956</value><shrsOrPrnAmt><sshPrnamt>3979</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>3979</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>VANGUARD DEV MKTS INDEX FD   ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>921943858</cusip><value>19700</value><shrsOrPrnAmt><sshPrnamt>279</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>279</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>VANGUARD INTERNATIONAL DIV   APPRECIATION  ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>921946810</cusip><value>107072</value><shrsOrPrnAmt><sshPrnamt>1134</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1134</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>VANGUARD HEALTH CARE ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>92204A504</cusip><value>8849</value><shrsOrPrnAmt><sshPrnamt>28</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>28</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>VANGUARD INFORMATION TECH    ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>92204A702</cusip><value>125670</value><shrsOrPrnAmt><sshPrnamt>1000</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1000</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>VANGUARD UTILITIES  ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>92204A876</cusip><value>958968</value><shrsOrPrnAmt><sshPrnamt>5608</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>5608</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>VANGUARD UTILITIES  ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>92204A876</cusip><value>6327</value><shrsOrPrnAmt><sshPrnamt>37</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>37</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>VANGUARD FTSE ALL-WORLD  EX-US SHS   ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>922042775</cusip><value>16594</value><shrsOrPrnAmt><sshPrnamt>200</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>200</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>VANGUARD EMERGING MARKETS   ETF #964</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>922042858</cusip><value>217904</value><shrsOrPrnAmt><sshPrnamt>3674</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>3674</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>VANGUARD PACIFIC STOCK INDEXFUND ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>922042866</cusip><value>167692</value><shrsOrPrnAmt><sshPrnamt>1448</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1448</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>VANGUARD FTSE EUROPE ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>922042874</cusip><value>468806</value><shrsOrPrnAmt><sshPrnamt>5401</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>5401</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>VANGUARD SHORT-TERM CORP BD  ETF</nameOfIssuer><titleOfClass>ETF - FIXED INCOME</titleOfClass><cusip>92206C409</cusip><value>11587</value><shrsOrPrnAmt><sshPrnamt>150</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>150</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>VANGUARD RUSSELL 1000 VALUE</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>92206C714</cusip><value>23479</value><shrsOrPrnAmt><sshPrnamt>216</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>216</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>VANGUARD MTG-BACKED SECS ETF</nameOfIssuer><titleOfClass>ETF - FIXED INCOME</titleOfClass><cusip>92206C771</cusip><value>99855</value><shrsOrPrnAmt><sshPrnamt>2249</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2249</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>VANGUARD FD LT CORP BD ETF</nameOfIssuer><titleOfClass>ETF - FIXED INCOME</titleOfClass><cusip>92206C813</cusip><value>58910</value><shrsOrPrnAmt><sshPrnamt>860</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>860</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>VANGUARD INTERM-TERM CORP    BOND INDEX #75 ETF</nameOfIssuer><titleOfClass>ETF - FIXED INCOME</titleOfClass><cusip>92206C870</cusip><value>21063</value><shrsOrPrnAmt><sshPrnamt>269</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>269</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>VANGUARD INDEX FDS           S&amp;P 500 ETF SHS</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>922908363</cusip><value>438029</value><shrsOrPrnAmt><sshPrnamt>625</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>625</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>VANGUARD REAL ESTATE ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>922908553</cusip><value>534601</value><shrsOrPrnAmt><sshPrnamt>5965</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>5965</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>VANGUARD REAL ESTATE ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>922908553</cusip><value>26440</value><shrsOrPrnAmt><sshPrnamt>295</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>295</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>VANGUARD SMALL CAP GROWTH   ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>922908595</cusip><value>135128</value><shrsOrPrnAmt><sshPrnamt>400</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>400</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>VANGUARD INDEX FDS          MRNGSTR MID CAP ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>922908629</cusip><value>69321</value><shrsOrPrnAmt><sshPrnamt>884</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>884</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>VANGUARD INDEX FDS          MRNGSTR LRG CAP</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>922908637</cusip><value>375412</value><shrsOrPrnAmt><sshPrnamt>1067</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1067</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>VANGUARD EXTENDED MARKET ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>922908652</cusip><value>61381</value><shrsOrPrnAmt><sshPrnamt>265</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>265</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>VANGUARD MORNINGSTAR GROWTH   FD ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>922908736</cusip><value>78935</value><shrsOrPrnAmt><sshPrnamt>876</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>876</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>VANGUARD VALUE MORNINGSTAR   VALUE ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>922908744</cusip><value>94425</value><shrsOrPrnAmt><sshPrnamt>437</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>437</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>VERALTO CORP</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>92338C103</cusip><value>123167</value><shrsOrPrnAmt><sshPrnamt>1306</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1306</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>VERALTO CORP</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>92338C103</cusip><value>3112</value><shrsOrPrnAmt><sshPrnamt>33</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>33</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>VERIZON COMMUNICATIONS       COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>92343V104</cusip><value>268551</value><shrsOrPrnAmt><sshPrnamt>5856</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>5856</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>VERIZON COMMUNICATIONS       COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>92343V104</cusip><value>6466</value><shrsOrPrnAmt><sshPrnamt>141</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>141</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>VIATRIS INC NPV</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>92556V106</cusip><value>301</value><shrsOrPrnAmt><sshPrnamt>17</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>17</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>VISA INC</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>92826C839</cusip><value>1814538</value><shrsOrPrnAmt><sshPrnamt>5050</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>5050</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>VONTIER CORP</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>928881101</cusip><value>2510</value><shrsOrPrnAmt><sshPrnamt>80</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>80</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>W P CAREY INC</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>92936U109</cusip><value>12926</value><shrsOrPrnAmt><sshPrnamt>200</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>200</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>WEC ENERGY GROUP INC</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>92939U106</cusip><value>38092</value><shrsOrPrnAmt><sshPrnamt>378</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>378</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>WABTEC</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>929740108</cusip><value>36757</value><shrsOrPrnAmt><sshPrnamt>128</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>128</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>WALMART INC                  COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>931142103</cusip><value>118675</value><shrsOrPrnAmt><sshPrnamt>1142</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1142</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>WASTE MANAGEMENT INC        COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>94106L109</cusip><value>1048095</value><shrsOrPrnAmt><sshPrnamt>5140</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>5140</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>WASTE MANAGEMENT INC        COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>94106L109</cusip><value>6117</value><shrsOrPrnAmt><sshPrnamt>30</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>30</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>WATERS CORPORATION</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>941848103</cusip><value>10983</value><shrsOrPrnAmt><sshPrnamt>25</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>25</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>WATERS CORPORATION</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>941848103</cusip><value>2636</value><shrsOrPrnAmt><sshPrnamt>6</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>6</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>WELLS FARGO &amp; CO NEW         COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>949746101</cusip><value>479872</value><shrsOrPrnAmt><sshPrnamt>5995</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>5995</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>WELLS FARGO &amp; CO NEW         COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>949746101</cusip><value>16010</value><shrsOrPrnAmt><sshPrnamt>200</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>200</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>WELLTOWER INC</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>95040Q104</cusip><value>77821</value><shrsOrPrnAmt><sshPrnamt>338</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>338</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>WEYERHAEUSER CO</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>962166104</cusip><value>1218</value><shrsOrPrnAmt><sshPrnamt>64</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>64</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>WEYERHAEUSER CO</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>962166104</cusip><value>5254</value><shrsOrPrnAmt><sshPrnamt>276</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>276</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>WILLIAMS CO INC             COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>969457100</cusip><value>9515</value><shrsOrPrnAmt><sshPrnamt>140</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>140</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>WISDOMTREE EMERGING MARKETS  SMALLCP DIV FD  ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>97717W281</cusip><value>20723</value><shrsOrPrnAmt><sshPrnamt>328</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>328</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>WISDOMTREE US SMALLCAP      DIVIDEND FD  ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>97717W604</cusip><value>9775</value><shrsOrPrnAmt><sshPrnamt>258</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>258</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>WISDOMTREE JAPAN HEDGED     EQUITY FD  ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>97717W851</cusip><value>60303</value><shrsOrPrnAmt><sshPrnamt>334</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>334</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>WISDOMTREE US QUALITY DIV    GROWTH FD  ETF</nameOfIssuer><titleOfClass>ETF - EQUITIES</titleOfClass><cusip>97717X669</cusip><value>126412</value><shrsOrPrnAmt><sshPrnamt>1300</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1300</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>SPDR GOLD MINISHARES TRUST</nameOfIssuer><titleOfClass>ETF - REAL ASSETS ALTERNATIVES</titleOfClass><cusip>98149E303</cusip><value>147182</value><shrsOrPrnAmt><sshPrnamt>1791</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1791</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>XCEL ENERGY INC              COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>98389B100</cusip><value>19379</value><shrsOrPrnAmt><sshPrnamt>275</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>275</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>XCEL ENERGY INC              COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>98389B100</cusip><value>7047</value><shrsOrPrnAmt><sshPrnamt>100</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>100</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ZIMMER BIOMET HLDGS INC      COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>98956P102</cusip><value>13945</value><shrsOrPrnAmt><sshPrnamt>157</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>157</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ZIMMER BIOMET HLDGS INC      COM</nameOfIssuer><titleOfClass>EQUITIES</titleOfClass><cusip>98956P102</cusip><value>8883</value><shrsOrPrnAmt><sshPrnamt>100</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><votingAuthority><Sole>100</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
</informationTable>
