Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
MSFT	MICROSOFT	116,713	$18.41M	5.6%	$38.24	+308.9%	COMMON STOCK	594918104
XLK	SECTOR SPDR	215,375	$17.31M	5.3%	$53.33	—	COMMON STOCK	81369Y803
CHMG	CHEMUNG FINANCIAL CORP	416,991	$13.75M	4.2%	$24.35	+25.4%	COMMON STOCK	164024101
PG	PROCTER	123,354	$13.57M	4.1%	$62.76	+65.4%	COMMON STOCK	742718109
JNJ	JOHNSON	94,298	$12.37M	3.8%	$62.33	+92.8%	COMMON STOCK	478160104
IVV	ISHARES	40,633	$10.5M	3.2%	$269.68	—	MUTUAL FUNDS -	464287200
PEP	PEPSICO	83,159	$9.987M	3.1%	$73.45	+53.5%	COMMON STOCK	713448108
ADBE	ADOBE	26,100	$8.306M	2.5%	$111.89	+205.7%	COMMON STOCK	00724F101
AAPL	APPLE	30,852	$7.846M	2.4%	$27.82	+155.5%	COMMON STOCK	037833100
MRK	MERCK	101,918	$7.842M	2.4%	$45.02	+44.6%	COMMON STOCK	58933Y105
KO	COCA-COLA	175,806	$7.779M	2.4%	$31.61	+42.3%	COMMON STOCK	191216100
MCD	MCDONALDS CORP	46,605	$7.707M	2.4%	$94.44	+82.0%	COMMON STOCK	580135101
VZ	VERIZON	125,021	$6.717M	2.1%	$33.62	+22.0%	COMMON STOCK	92343V104
DIS	WALT	67,214	$6.493M	2.0%	$94.74	+30.4%	COMMON STOCK	254687106
—	GLAXOSMITHKLINE	166,341	$6.303M	1.9%	$40.93	—	FOREIGN STOCK	37733W105
MDT	MEDTRONIC	69,240	$6.244M	1.9%	$73.28	+23.1%	FOREIGN STOCK	G5960L103
AMZN	AMAZON.COM INC	3,031	$5.909M	1.8%	$58.40	+65.7%	COMMON STOCK	023135106
XLRE	SECTOR SPDR	188,540	$5.844M	1.8%	$34.52	—	COMMON STOCK	81369Y860
JPM	JPMORGAN	61,340	$5.523M	1.7%	$51.84	+99.9%	COMMON STOCK	46625H100
BCE	BCE	133,944	$5.473M	1.7%	$27.87	+8.0%	FOREIGN STOCK	05534B760
BMY	BRISTOL	97,225	$5.419M	1.7%	$38.36	+26.6%	COMMON STOCK	110122108
XLY	SECTOR SPDR	54,164	$5.313M	1.6%	$96.18	—	COMMON STOCK	81369Y407
—	UNITED	54,425	$5.134M	1.6%	$108.55	—	COMMON STOCK	913017109
V	VISA	30,903	$4.98M	1.5%	$73.93	+144.4%	COMMON STOCK	92826C839
XLI	SECTOR SPDR	82,235	$4.853M	1.5%	$62.07	—	COMMON STOCK	81369Y704
QQQ	INVESCO	24,618	$4.688M	1.4%	$181.73	—	MUTUAL FUNDS -	46090E103
WMT	WAL-MART	40,428	$4.593M	1.4%	$20.77	+70.3%	COMMON STOCK	931142103
CMCSA	COMCAST	125,025	$4.299M	1.3%	$30.51	+18.1%	COMMON STOCK	20030N101
D	DOMINION	59,264	$4.278M	1.3%	$50.79	+24.3%	COMMON STOCK	25746U109
INTC	INTEL	73,634	$3.985M	1.2%	$36.68	+42.7%	COMMON STOCK	458140100
GOOG	ALPHABET	3,426	$3.984M	1.2%	$39.54	+70.3%	COMMON STOCK	02079K107
CL	COLGATE PALMOLIVE	59,652	$3.958M	1.2%	$59.52	+3.4%	COMMON STOCK	194162103
XLU	SECTOR SPDR	67,797	$3.756M	1.1%	$49.62	—	COMMON STOCK	81369Y886
BRK/B	BERKSHIRE	20,273	$3.707M	1.1%	$133.28	+59.5%	COMMON STOCK	084670702
UNP	UNION	25,850	$3.645M	1.1%	$128.80	+12.6%	COMMON STOCK	907818108
XLV	SECTOR SPDR	40,975	$3.63M	1.1%	$84.41	—	COMMON STOCK	81369Y209
DUK	DUKE	43,643	$3.53M	1.1%	$57.85	+25.7%	COMMON STOCK	26441C204
XLF	SECTOR SPDR	163,814	$3.411M	1.0%	$24.25	—	COMMON STOCK	81369Y605
PFE	PFIZER	103,110	$3.366M	1.0%	$20.09	+28.5%	COMMON STOCK	717081103
HON	HONEYWELL	24,372	$3.26M	1.0%	$131.53	+3.8%	COMMON STOCK	438516106
GLW	CORNING	147,797	$3.036M	0.9%	$10.64	+107.6%	COMMON STOCK	219350105
HD	HOME	13,528	$2.526M	0.8%	$86.43	+120.0%	COMMON STOCK	437076102
ABT	ABBOTT	28,624	$2.259M	0.7%	$40.13	+87.7%	COMMON STOCK	002824100
GS	GOLDMAN	14,419	$2.229M	0.7%	$168.87	+9.2%	COMMON STOCK	38141G104
SPMD	SPDR	87,990	$2.229M	0.7%	$47.81	—	MUTUAL FUNDS -	78464A847
TRV	THE	22,265	$2.212M	0.7%	$110.65	-0.9%	COMMON STOCK	89417E109
AMGN	AMGEN	9,964	$2.02M	0.6%	$145.24	+25.5%	COMMON STOCK	031162100
CNI	CANADIAN	25,932	$2.013M	0.6%	$45.73	+70.4%	FOREIGN STOCK	136375102
SO	SOUTHERN COMPANY	35,006	$1.896M	0.6%	$33.33	+51.4%	COMMON STOCK	842587107
EMR	EMERSON	38,529	$1.836M	0.6%	$48.63	+18.8%	COMMON STOCK	291011104
EFA	ISHARES	30,614	$1.636M	0.5%	$64.47	—	MUTUAL FUNDS -	464287465
SBUX	STARBUCKS CORP	24,330	$1.6M	0.5%	$59.25	+19.8%	COMMON STOCK	855244109
IWD	ISHARES	15,636	$1.551M	0.5%	$113.53	—	MUTUAL FUNDS -	464287598
IWO	ISHARES	9,748	$1.542M	0.5%	$121.39	—	MUTUAL FUNDS -	464287648
—	BLACKROCK	3,321	$1.461M	0.4%	$489.84	—	COMMON STOCK	09247X101
ENB	ENBRIDGE	44,112	$1.283M	0.4%	$23.20	+7.8%	FOREIGN STOCK	29250N105
CVX	CHEVRON	17,230	$1.249M	0.4%	$73.49	+3.4%	COMMON STOCK	166764100
IWM	ISHARES	10,860	$1.243M	0.4%	$164.73	—	MUTUAL FUNDS -	464287655
CRM	SALESFORCE.COM	8,479	$1.221M	0.4%	$128.32	+32.0%	COMMON STOCK	79466L302
NVO	NOVO	20,066	$1.208M	0.4%	$56.61	—	FOREIGN STOCK	670100205
IWN	ISHARES	13,275	$1.089M	0.3%	$89.63	—	MUTUAL FUNDS -	464287630
IWF	ISHARES	7,035	$1.06M	0.3%	$150.68	—	MUTUAL FUNDS -	464287614
MMM	3M	7,475	$1.02M	0.3%	$80.70	+31.3%	COMMON STOCK	88579Y101
XOM	EXXON	26,169	$994K	0.3%	$53.25	-21.0%	COMMON STOCK	30231G102
ZBH	ZIMMER	9,035	$913K	0.3%	$107.07	+16.6%	COMMON STOCK	98956P102
JCI	JOHNSON	32,667	$880K	0.3%	$34.44	-4.3%	FOREIGN STOCK	G51502105
XLE	SECTOR SPDR	29,500	$858K	0.3%	$29.08	—	COMMON STOCK	81369Y506
AXP	AMERICAN	9,300	$797K	0.2%	$90.93	+18.3%	COMMON STOCK	025816109
TXN	TEXAS	7,852	$785K	0.2%	$100.72	+0.9%	COMMON STOCK	882508104
DBEF	XTRACKERS	28,651	$768K	0.2%	$31.46	—	MUTUAL FUNDS -	233051200
BKNG	BOOKING	565	$760K	0.2%	$1915.56	-9.9%	COMMON STOCK	09857L108
RY	ROYAL	10,653	$655K	0.2%	$80.55	-7.9%	FOREIGN STOCK	780087102
PAYX	PAYCHEX INC	10,107	$636K	0.2%	$25.36	+165.8%	COMMON STOCK	704326107
XLP	SECTOR SPDR	11,410	$622K	0.2%	$56.22	—	COMMON STOCK	81369Y308
NEE	NEXTERA	2,499	$602K	0.2%	$17.48	+210.6%	COMMON STOCK	65339F101
CB	CHUBB	5,084	$568K	0.2%	$118.86	+9.7%	FOREIGN STOCK	H1467J104
CSCO	CISCO	14,108	$555K	0.2%	$16.76	+118.8%	COMMON STOCK	17275R102
COF	CAPITAL	10,858	$548K	0.2%	$79.78	-0.4%	COMMON STOCK	14040H105
GOOGL	ALPHABET	438	$509K	0.2%	$39.49	+70.3%	COMMON STOCK	02079K305
NOW	SERVICENOW	1,751	$502K	0.2%	$53.55	+16.8%	COMMON STOCK	81762P102
ORLY	O'REILLY	1,577	$475K	0.1%	$16.95	+50.8%	COMMON STOCK	67103H107
DE	DEERE & CO	3,297	$456K	0.1%	$131.21	+11.0%	COMMON STOCK	244199105
TFC	TRUIST	14,599	$450K	0.1%	$40.89	-12.0%	COMMON STOCK	89832Q109
LLY	ELI	3,007	$417K	0.1%	$63.34	+102.3%	COMMON STOCK	532457108
T	AT&T	14,079	$410K	0.1%	$11.60	+56.6%	COMMON STOCK	00206R102
DGX	QUEST	5,000	$402K	0.1%	$75.54	+22.0%	COMMON STOCK	74834L100
ADP	AUTOMATIC DATA PROCESSING	2,830	$386K	0.1%	$45.09	+214.8%	COMMON STOCK	053015103
IBM	INTERNATIONAL	3,444	$382K	0.1%	$116.86	-15.9%	COMMON STOCK	459200101
GD	GENERAL	2,698	$357K	0.1%	$157.58	-8.0%	COMMON STOCK	369550108
COST	COSTCO	1,141	$326K	0.1%	$105.22	+164.0%	COMMON STOCK	22160K105
—	ALLERGAN	1,823	$323K	0.1%	$167.31	—	FOREIGN STOCK	G0177J108
—	LABORATORY CRP OF AMER HLDGS	2,506	$317K	0.1%	$126.08	—	COMMON STOCK	50540R409
ABBV	ABBVIE	4,038	$308K	0.1%	$32.58	+106.2%	COMMON STOCK	00287Y109
GLD	SPDR	2,000	$296K	0.1%	$113.55	—	MUTUAL FUNDS -	78463V107
PSX	PHILLIPS	5,199	$279K	0.1%	$76.26	-16.4%	COMMON STOCK	718546104
SDY	SPDR	3,370	$269K	0.1%	$91.39	—	MUTUAL FUNDS -	78464A763
WFC	WELLS	9,171	$263K	0.1%	$34.24	+7.0%	COMMON STOCK	949746101
VGT	VANGUARD	1,133	$240K	0.1%	$200.35	—	COMMON STOCK	92204A702
XSD	SPDR	2,795	$235K	0.1%	$102.21	—	COMMON STOCK	78464A862
DHR	DANAHER	1,682	$233K	0.1%	$101.11	+29.9%	COMMON STOCK	235851102
COP	CONOCOPHILLIPS	7,186	$222K	0.1%	$52.98	-22.7%	COMMON STOCK	20825C104
VYM	VANGUARD	3,061	$217K	0.1%	$81.09	—	MUTUAL FUNDS -	921946406
TJX	TJX	4,440	$212K	0.1%	$46.32	+15.2%	COMMON STOCK	872540109
USB	US BANCORP	6,000	$207K	0.1%	$43.09	-13.6%	COMMON STOCK	902973304
IBB	ISHARES	1,912	$206K	0.1%	$236.12	—	COMMON STOCK	464287556
—	WALGREENS	4,376	$200K	0.1%	$84.53	—	COMMON STOCK	931427108
—	GENERAL	13,213	$105K	0.0%	$22.31	—	COMMON STOCK	369604103