Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
XLK	SECTOR SPDR	155,525	$32.11M	7.1%	$116.18	—	COMMON STOCK	81369Y803
AGG	ISHARES	228,687	$22.62M	5.0%	$98.07	—	MUTUAL FUNDS -	464287226
MSFT	MICROSOFT	51,836	$19.46M	4.3%	$48.76	+730.8%	COMMON STOCK	594918104
CHMG	CHEMUNG FINANCIAL CORP	311,642	$14.82M	3.3%	$26.55	+80.2%	COMMON STOCK	164024101
IVV	ISHARES	24,431	$13.73M	3.0%	$442.81	—	MUTUAL FUNDS -	464287200
JNJ	JOHNSON	78,896	$13.08M	2.9%	$102.50	+48.7%	COMMON STOCK	478160104
BRK/B	BERKSHIRE	24,123	$12.85M	2.8%	$288.21	+68.7%	COMMON STOCK	084670702
AAPL	APPLE	53,815	$11.95M	2.6%	$130.27	+77.1%	COMMON STOCK	037833100
XLV	SECTOR SPDR	81,116	$11.84M	2.6%	$133.19	—	COMMON STOCK	81369Y209
JPM	JPMORGAN	46,530	$11.41M	2.5%	$96.62	+159.7%	COMMON STOCK	46625H100
AMZN	AMAZON.COM	55,493	$10.56M	2.3%	$131.84	+64.6%	COMMON STOCK	023135106
XLE	SECTOR SPDR	111,406	$10.41M	2.3%	$62.20	—	COMMON STOCK	81369Y506
MCD	MCDONALDS CORP	31,613	$9.875M	2.2%	$167.00	+75.4%	COMMON STOCK	580135101
PG	PROCTER	56,520	$9.632M	2.1%	$92.48	+77.3%	COMMON STOCK	742718109
GOOG	ALPHABET	59,771	$9.338M	2.1%	$140.70	+29.7%	COMMON STOCK	02079K107
TRV	THE	32,962	$8.717M	1.9%	$178.52	+37.5%	COMMON STOCK	89417E109
PHYS	SPROTT	358,715	$8.631M	1.9%	$18.87	—	MUTUAL FUNDS-AL	85207H104
EMR	EMERSON	78,130	$8.566M	1.9%	$88.75	+33.8%	COMMON STOCK	291011104
PANW	PALO	46,693	$7.968M	1.8%	$178.73	+3.5%	COMMON STOCK	697435105
KO	COCA-COLA	106,304	$7.614M	1.7%	$55.28	+17.5%	COMMON STOCK	191216100
QQQ	INVESCO	15,867	$7.44M	1.6%	$182.69	—	MUTUAL FUNDS -	46090E103
XLC	SECTOR SPDR	73,780	$7.116M	1.6%	$64.75	—	COMMON STOCK	81369Y852
XLF	SECTOR SPDR	129,630	$6.457M	1.4%	$33.71	—	COMMON STOCK	81369Y605
PEP	PEPSICO	41,163	$6.172M	1.4%	$105.46	+36.0%	COMMON STOCK	713448108
XLY	SECTOR SPDR	29,502	$5.825M	1.3%	$167.18	—	COMMON STOCK	81369Y407
XLI	SECTOR SPDR	41,870	$5.488M	1.2%	$103.62	—	COMMON STOCK	81369Y704
META	META PLATFORMS	9,437	$5.439M	1.2%	$584.74	+10.0%	COMMON STOCK	30303M102
AXP	AMERICAN	19,475	$5.24M	1.2%	$151.22	+93.4%	COMMON STOCK	025816109
XLP	SECTOR SPDR	63,292	$5.169M	1.1%	$75.70	—	COMMON STOCK	81369Y308
RTX	RTX	37,115	$4.916M	1.1%	$104.12	+19.8%	COMMON STOCK	75513E101
V	VISA	13,074	$4.582M	1.0%	$182.03	+84.8%	COMMON STOCK	92826C839
XLU	SECTOR SPDR	55,676	$4.39M	1.0%	$67.71	—	COMMON STOCK	81369Y886
MDT	MEDTRONIC	47,760	$4.292M	0.9%	$82.65	+5.8%	FOREIGN STOCK	G5960L103
MRK	MERCK	47,192	$4.236M	0.9%	$81.92	+10.0%	COMMON STOCK	58933Y105
ECL	ECOLAB	16,035	$4.065M	0.9%	$180.61	+38.2%	COMMON STOCK	278865100
XLRE	SECTOR SPDR	96,126	$4.023M	0.9%	$38.69	—	COMMON STOCK	81369Y860
BAC	BANK	94,002	$3.923M	0.9%	$32.80	+33.0%	COMMON STOCK	060505104
VZ	VERIZON	86,264	$3.913M	0.9%	$38.09	+3.9%	COMMON STOCK	92343V104
GLW	CORNING	84,188	$3.854M	0.8%	$11.25	+331.6%	COMMON STOCK	219350105
WMT	WAL-MART	43,628	$3.83M	0.8%	$48.48	+91.7%	COMMON STOCK	931142103
UNP	UNION	15,959	$3.77M	0.8%	$204.32	+15.3%	COMMON STOCK	907818108
DUK	DUKE	30,581	$3.73M	0.8%	$86.97	+27.1%	COMMON STOCK	26441C204
DIS	WALT	37,642	$3.715M	0.8%	$102.14	+4.1%	COMMON STOCK	254687106
HD	HOME	9,555	$3.502M	0.8%	$112.36	+238.8%	COMMON STOCK	437076102
CSCO	CISCO	55,115	$3.401M	0.7%	$53.55	+12.2%	COMMON STOCK	17275R102
SPMD	SPDR	60,994	$3.122M	0.7%	$47.81	—	MUTUAL FUNDS -	78464A847
SO	SOUTHERN COMPANY	33,296	$3.062M	0.7%	$66.00	+27.5%	COMMON STOCK	842587107
SMH	VANECK	14,391	$3.043M	0.7%	$245.45	—	COMMON STOCK	92189F676
HON	HONEYWELL	14,017	$2.968M	0.7%	$175.83	+12.8%	COMMON STOCK	438516106
ICE	INTERCONTINENTAL	15,691	$2.707M	0.6%	$129.80	+24.9%	COMMON STOCK	45866F104
IYK	ISHARES	35,011	$2.506M	0.6%	$71.57	—	COMMON STOCK	464287812
UNH	UNITEDHEALTH	4,692	$2.457M	0.5%	$471.04	+6.0%	COMMON STOCK	91324P102
BMY	BRISTOL	40,152	$2.449M	0.5%	$53.39	+3.9%	COMMON STOCK	110122108
IWM	ISHARES	12,043	$2.402M	0.5%	$190.29	—	MUTUAL FUNDS -	464287655
KRE	SPDR	40,278	$2.29M	0.5%	$56.85	—	COMMON STOCK	78464A698
CVX	CHEVRON	13,572	$2.27M	0.5%	$71.47	+110.6%	COMMON STOCK	166764100
CNI	CANADIAN	22,423	$2.185M	0.5%	$45.73	+117.3%	FOREIGN STOCK	136375102
XLB	SECTOR SPDR	23,953	$2.059M	0.5%	$79.63	—	COMMON STOCK	81369Y100
AMGN	AMGEN	6,414	$1.998M	0.4%	$242.32	+18.5%	COMMON STOCK	031162100
IWO	ISHARES	7,403	$1.892M	0.4%	$126.39	—	MUTUAL FUNDS -	464287648
JCI	JOHNSON	23,401	$1.875M	0.4%	$51.59	+58.2%	FOREIGN STOCK	G51502105
CL	COLGATE PALMOLIVE	19,790	$1.854M	0.4%	$77.50	+13.3%	COMMON STOCK	194162103
XSD	SPDR	9,022	$1.811M	0.4%	$175.84	—	COMMON STOCK	78464A862
ACWX	ISHARES	27,275	$1.512M	0.3%	$52.16	—	MUTUAL FUNDS -	464288240
XOM	EXXON	12,448	$1.48M	0.3%	$52.77	+103.2%	COMMON STOCK	30231G102
EFA	ISHARES	17,756	$1.451M	0.3%	$67.19	—	MUTUAL FUNDS -	464287465
ABT	ABBOTT	10,716	$1.421M	0.3%	$41.31	+203.7%	COMMON STOCK	002824100
PM	PHILIP	8,642	$1.372M	0.3%	$109.82	+24.7%	COMMON STOCK	718172109
MS	MORGAN	11,629	$1.357M	0.3%	$40.40	+211.6%	COMMON STOCK	617446448
IWD	ISHARES	6,914	$1.301M	0.3%	$139.65	—	MUTUAL FUNDS -	464287598
ADBE	ADOBE	3,368	$1.292M	0.3%	$312.14	+37.4%	COMMON STOCK	00724F101
AVGO	BROADCOM	6,553	$1.097M	0.2%	$182.87	+14.7%	COMMON STOCK	11135F101
NVDA	NVIDIA CORP	10,029	$1.087M	0.2%	$137.79	-8.0%	COMMON STOCK	67066G104
GOOGL	ALPHABET	6,699	$1.036M	0.2%	$113.47	+59.2%	COMMON STOCK	02079K305
GD	GENERAL	3,738	$1.019M	0.2%	$203.25	+25.9%	COMMON STOCK	369550108
USB	US BANCORP	23,279	$983K	0.2%	$38.30	+15.4%	COMMON STOCK	902973304
AMAT	APPLIED	6,542	$949K	0.2%	$73.05	+128.1%	COMMON STOCK	038222105
GS	GOLDMAN	1,702	$930K	0.2%	$185.73	+218.1%	COMMON STOCK	38141G104
PFE	PFIZER	35,315	$895K	0.2%	$27.61	-10.5%	COMMON STOCK	717081103
ADI	ANALOG DEVICES INC	4,424	$892K	0.2%	$183.34	+16.1%	COMMON STOCK	032654105
PAYX	PAYCHEX INC	5,568	$859K	0.2%	$99.95	+43.2%	COMMON STOCK	704326107
MO	ALTRIA	13,992	$840K	0.2%	$45.53	+12.1%	COMMON STOCK	02209S103
KVUE	KENVUE	32,642	$783K	0.2%	$21.04	+1.6%	COMMON STOCK	49177J102
GE	GE	3,831	$767K	0.2%	$167.93	+16.6%	COMMON STOCK	369604301
TXN	TEXAS	4,242	$762K	0.2%	$172.16	+5.8%	COMMON STOCK	882508104
CRM	SALESFORCE	2,577	$692K	0.2%	$199.59	+54.8%	COMMON STOCK	79466L302
ADP	AUTOMATIC	2,122	$648K	0.1%	$187.80	+57.3%	COMMON STOCK	053015103
TJX	TJX	5,159	$628K	0.1%	$62.28	+92.8%	COMMON STOCK	872540109
D	DOMINION	10,835	$608K	0.1%	$52.62	+0.2%	COMMON STOCK	25746U109
GLD	SPDR	2,000	$576K	0.1%	$113.55	—	MUTUAL FUNDS-AL	78463V107
TFC	TRUIST	12,712	$523K	0.1%	$32.49	+31.4%	COMMON STOCK	89832Q109
ORLY	O'REILLY	364	$521K	0.1%	$44.38	+96.0%	COMMON STOCK	67103H107
BLK	BLACKROCK	547	$518K	0.1%	$991.05	-2.9%	COMMON STOCK	09290D101
VGT	VANGUARD	954	$517K	0.1%	$200.35	—	COMMON STOCK	92204A702
SPY	STANDARD & POORS	858	$480K	0.1%	$383.08	—	MUTUAL FUNDS -	78462F103
IDV	ISHARES	14,455	$448K	0.1%	$27.09	—	MUTUAL FUNDS -	464288448
CARR	CARRIER	6,946	$440K	0.1%	$18.18	+261.7%	COMMON STOCK	14448C104
LMT	LOCKHEED	980	$438K	0.1%	$410.40	+9.2%	COMMON STOCK	539830109
MA	MASTERCARD	789	$432K	0.1%	$329.57	+64.5%	COMMON STOCK	57636Q104
NVO	NOVO	6,224	$432K	0.1%	$79.03	—	FOREIGN STOCK	670100205
BKNG	BOOKING	93	$428K	0.1%	$2422.87	+96.0%	COMMON STOCK	09857L108
IWN	ISHARES	2,824	$426K	0.1%	$113.56	—	MUTUAL FUNDS -	464287630
RY	ROYAL	3,427	$386K	0.1%	$88.02	+33.8%	FOREIGN STOCK	780087102
SYK	STRYKER	952	$354K	0.1%	$253.91	+48.5%	COMMON STOCK	863667101
SBUX	STARBUCKS CORP	3,549	$348K	0.1%	$82.83	+21.9%	COMMON STOCK	855244109
NEE	NEXTERA	4,905	$348K	0.1%	$54.68	+25.6%	COMMON STOCK	65339F101
NOW	SERVICENOW	411	$327K	0.1%	$123.67	+55.9%	COMMON STOCK	81762P102
OTIS	OTIS	3,026	$312K	0.1%	$48.71	+97.4%	COMMON STOCK	68902V107
DHR	DANAHER	1,507	$309K	0.1%	$108.39	+100.2%	COMMON STOCK	235851102
SDY	SPDR	2,184	$296K	0.1%	$91.39	—	MUTUAL FUNDS -	78464A763
IBM	INTL	1,185	$295K	0.1%	$141.50	+69.2%	COMMON STOCK	459200101
GEV	GE	956	$292K	0.1%	$191.56	+81.7%	COMMON STOCK	36828A101
VYM	VANGUARD	2,244	$289K	0.1%	$81.09	—	MUTUAL FUNDS -	921946406
TMO	THERMO	564	$281K	0.1%	$560.84	-3.8%	COMMON STOCK	883556102
IWY	ISHARES	1,267	$267K	0.1%	$121.26	—	MUTUAL FUNDS -	464289438
MAR	MARRIOTT INTERNATIONAL INC CL A	1,092	$260K	0.1%	$162.62	+65.6%	COMMON STOCK	571903202
LLY	ELI	291	$240K	0.1%	$131.39	+529.2%	COMMON STOCK	532457108
BK	BANK	2,829	$237K	0.1%	$63.85	+29.3%	COMMON STOCK	064058100
IJK	ISHARES	2,809	$234K	0.1%	$71.51	—	MUTUAL FUNDS -	464287606
IJT	ISHARES	1,664	$207K	0.0%	$138.83	—	MUTUAL FUNDS -	464287887
COST	COSTCO	214	$202K	0.0%	$105.22	+822.4%	COMMON STOCK	22160K105
HHDS	HIGHLANDS	10,497	$945	0.0%	$0.02	—	COMMON STOCK	43110A104