<SEC-DOCUMENT>0001387131-23-001702.txt : 20230210
<SEC-HEADER>0001387131-23-001702.hdr.sgml : 20230210
<ACCEPTANCE-DATETIME>20230210115518
ACCESSION NUMBER:		0001387131-23-001702
CONFORMED SUBMISSION TYPE:	SC 13G/A
PUBLIC DOCUMENT COUNT:		1
FILED AS OF DATE:		20230210
DATE AS OF CHANGE:		20230210
GROUP MEMBERS:		TOMPKINS COMMUNITY BANK

SUBJECT COMPANY:	

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			TOMPKINS FINANCIAL CORP
		CENTRAL INDEX KEY:			0001005817
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				161482357
		STATE OF INCORPORATION:			NY
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		SC 13G/A
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	005-46801
		FILM NUMBER:		23609659

	BUSINESS ADDRESS:	
		STREET 1:		118 E SENECA STREET
		STREET 2:		P.O. BOX 460
		CITY:			ITHACA
		STATE:			NY
		ZIP:			14850
		BUSINESS PHONE:		607-274-2078

	MAIL ADDRESS:	
		STREET 1:		118 E. SENECA STREET
		STREET 2:		PO BOX 460
		CITY:			ITHACA
		STATE:			NY
		ZIP:			14850

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	TOMPKINS TRUSTCO INC
		DATE OF NAME CHANGE:	19990512

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	TOMPKINS COUNTY TRUSTCO INC
		DATE OF NAME CHANGE:	19960117

FILED BY:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			TOMPKINS FINANCIAL CORP
		CENTRAL INDEX KEY:			0001005817
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				161482357
		STATE OF INCORPORATION:			NY
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		SC 13G/A

	BUSINESS ADDRESS:	
		STREET 1:		118 E SENECA STREET
		STREET 2:		P.O. BOX 460
		CITY:			ITHACA
		STATE:			NY
		ZIP:			14850
		BUSINESS PHONE:		607-274-2078

	MAIL ADDRESS:	
		STREET 1:		118 E. SENECA STREET
		STREET 2:		PO BOX 460
		CITY:			ITHACA
		STATE:			NY
		ZIP:			14850

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	TOMPKINS TRUSTCO INC
		DATE OF NAME CHANGE:	19990512

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	TOMPKINS COUNTY TRUSTCO INC
		DATE OF NAME CHANGE:	19960117
</SEC-HEADER>
<DOCUMENT>
<TYPE>SC 13G/A
<SEQUENCE>1
<FILENAME>tmp_sc13ga-021023.htm
<DESCRIPTION>AMENDMENT TO FORM SC 13G
<TEXT>
<HTML>
<HEAD>
<TITLE></TITLE>
</HEAD>
<BODY>
<DIV>

<P STYLE="font: bold 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">UNITED STATES</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>SECURITIES AND EXCHANGE COMMISSION</B></P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Washington, D.C. 20549</B></P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 16pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>SCHEDULE 13G</B></P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Under the Securities Exchange Act of 1934</B></P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>(Amendment No. 21*)</B></P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><U>TOMPKINS FINANCIAL CORPORATION</U></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">(Name of Issuer)</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><U>Common Stock</U></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">(Title of Class of Securities)</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><U>890110 10 9</U></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">(CUSIP Number)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">____________<U>December 31, 2022</U>___________</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">(Date of Event Which Requires Filing of this Statement)</P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Check the appropriate box to designate the rule pursuant
to which this Schedule is filed:</P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 0.5in">&#9746;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Rule
13d-1(b)</P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 0.5in">&#9744;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Rule
13d-1(c)</P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 0.5in">&#9744;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Rule
13d-1(d)</P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 0.5in; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">*&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The remainder
of this cover page shall be filled out for a reporting person's initial filing on this form with respect to the subject class of securities,
and for any subsequent amendment containing information which would alter disclosures provided in a prior cover page.</P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The information required on the remainder of this cover
page shall not be deemed to be &quot;filed&quot; for the purpose of Section 18 of the Securities Exchange Act of 1934 or otherwise subject
to the liabilities of that Section of the Act but shall be subject to all other provisions of the Act (however, see the Notes).</P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>


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<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<table cellspacing="0" cellpadding="0" style="width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <td style="padding: 3pt 0.1in; text-align: left; width: 30%; border: Black 1pt solid; vertical-align: middle; text-indent: 0">
    <P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0">CUSIP No.</P>
    <P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0">890110 10 9</P></TD>
    <td style="padding: 3pt 0.1in; text-align: center; width: 40%; border-right: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; vertical-align: middle; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 12pt">&#9;13G</FONT></TD>
    <td style="padding: 3pt 0.1in; vertical-align: middle; width: 30%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 12pt">Page 2 of 5 Pages </FONT></TD></TR>
  </TABLE>
<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<table cellspacing="0" cellpadding="0" style="width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; padding: 3pt 0.1in; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 12pt">1.</FONT></TD>
    <td colspan="23" style="padding: 3pt 0.1in; border-right: Black 1pt solid; border-top: Black 1pt solid; text-indent: 0">
    <p style="text-indent: 0; font: 12pt Arial, Helvetica, Sans-Serif; margin: 2pt 0">NAME OF REPORTING PERSON</P>
    <p style="text-indent: 0; font: 12pt Arial, Helvetica, Sans-Serif; margin: 2pt 0">I.R.S IDENTIFICATION NO. OF ABOVE PERSON (ENTITIES ONLY)</P>
    <p style="text-indent: 0; font: 12pt Arial, Helvetica, Sans-Serif; margin: 2pt 0">&nbsp;</P>
    <p style="text-indent: 0; font: 12pt Arial, Helvetica, Sans-Serif; margin: 2pt 0">Tompkins Community Bank &#9; EIN: 15-0470650</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <td style="border-top: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; padding: 3pt 0.1in; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 12pt">2.</FONT></TD>
    <td colspan="3" style="padding: 3pt 0.1in; border-right: Black 1pt solid; border-left: Black 1pt solid; text-indent: 0">
    <p style="text-indent: 0; font: 12pt Arial, Helvetica, Sans-Serif; margin: 2pt 0">CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP*</P>
    <p style="text-indent: 0; font: 12pt Times New Roman, Times, Serif; margin: 2pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">(a) &#9;</FONT><FONT STYLE="font-family: Tahoma, Helvetica, Sans-Serif">&#141;&#9;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">(b)
    </FONT><FONT STYLE="font-family: Tahoma, Helvetica, Sans-Serif">&#141;</FONT></P></TD></TR>
  <TR STYLE="vertical-align: top">
    <td style="border-top: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; padding: 3pt 0.1in; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 12pt">3.</FONT></TD>
    <td colspan="3" style="padding: 3pt 0.1in; border-right: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 12pt">SEC USE ONLY</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <td style="border-top: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; padding: 3pt 0.1in; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 12pt">4.</FONT></TD>
    <td colspan="3" style="padding: 3pt 0.1in; border-right: Black 1pt solid; border-left: Black 1pt solid; text-indent: 0">
    <p style="text-indent: 0; font: 12pt Arial, Helvetica, Sans-Serif; margin: 2pt 0">CITIZENSHIP OR PLACE OF ORGANIZATION</P>
    <p style="text-indent: 0; font: 12pt Arial, Helvetica, Sans-Serif; margin: 2pt 0">United States</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <td colspan="2" style="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 3pt 0.1in; text-align: center; text-indent: 0; vertical-align: bottom">
    <p style="font: 12pt Arial, Helvetica, Sans-Serif; text-indent: 0; margin: 2pt 0">NUMBER OF</P>
    <p style="font: 12pt Arial, Helvetica, Sans-Serif; text-indent: 0; margin: 2pt 0">SHARES</P>
    <p style="font: 12pt Arial, Helvetica, Sans-Serif; text-indent: 0; margin: 2pt 0">BENEFICIALLY</P></TD>
    <td style="padding: 3pt 0.1in; border-top: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 12pt">5.</FONT></TD>
    <td style="padding: 3pt 0.1in; border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; text-indent: 0">
    <p style="text-indent: 0; font: 12pt Arial, Helvetica, Sans-Serif; margin: 2pt 0">SOLE VOTING POWER</P>
    <p style="text-indent: 0; font: 12pt Arial, Helvetica, Sans-Serif; margin: 2pt 0">0</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <td colspan="2" style="border-left: Black 1pt solid; font: 12pt Times New Roman, Times, Serif; padding: 3pt 0.1in; text-align: center; text-indent: 0; vertical-align: top"><p style="margin-top: 0; margin-bottom: 0">OWNED</p>
                                                                                <p style="margin-top: 0; margin-bottom: 0">BY EACH</p></TD>
    <td style="padding: 3pt 0.1in; border-top: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 12pt">6.</FONT></TD>
    <td style="padding: 3pt 0.1in; border-right: Black 1pt solid; border-left: Black 1pt solid; text-indent: 0">
    <p style="text-indent: 0; font: 12pt Arial, Helvetica, Sans-Serif; margin: 2pt 0">SHARED VOTING POWER</P>
    <p style="text-indent: 0; font: 12pt Arial, Helvetica, Sans-Serif; margin: 2pt 0">1,184,570</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <td colspan="2" style="border-left: Black 1pt solid; font: 12pt Times New Roman, Times, Serif; padding: 3pt 0.1in; text-align: center; text-indent: 0; vertical-align: top"><p style="margin-top: 0; margin-bottom: 0">REPORTING</p>
                                                                                <p style="margin-top: 0; margin-bottom: 0">PERSON</p></TD>
    <td style="padding: 3pt 0.1in; border-top: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 12pt">7.</FONT></TD>
    <td style="padding: 3pt 0.1in; border-right: Black 1pt solid; border-left: Black 1pt solid; text-indent: 0">
    <p style="text-indent: 0; font: 12pt Arial, Helvetica, Sans-Serif; margin: 2pt 0">SOLE DISPOSITIVE POWER</P>
    <p style="text-indent: 0; font: 12pt Arial, Helvetica, Sans-Serif; margin: 2pt 0">0</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <td colspan="2" style="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 12pt Times New Roman, Times, Serif; padding: 3pt 0.1in; text-align: center; text-indent: 0; vertical-align: top">WITH</TD>
    <td style="padding: 3pt 0.1in; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 12pt">8.</FONT></TD>
    <td style="padding: 3pt 0.1in; border-bottom: Black 1pt solid; border-left: Black 1pt solid; border-right: Black 1pt solid; text-indent: 0">
    <p style="text-indent: 0; font: 12pt Arial, Helvetica, Sans-Serif; margin: 2pt 0">SHARED DISPOSITIVE POWER</P>
    <p style="text-indent: 0; font: 12pt Arial, Helvetica, Sans-Serif; margin: 2pt 0">1,184,570</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <td style="border-left: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; padding: 3pt 0.1in; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 12pt">9.</FONT></TD>
    <td colspan="3" style="padding: 3pt 0.1in; border-right: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 12pt">AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON&#9;1,184,570</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <td style="border-top: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; padding: 3pt 0.1in; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 12pt">10.</FONT></TD>
    <td colspan="3" style="padding: 3pt 0.1in; border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; text-indent: 0">
    <p style="text-indent: 0; font: 12pt Times New Roman, Times, Serif; margin: 2pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">CHECK BOX IF THE
    AGGREGATE AMOUNT IN ROW (9)&#9;</FONT><FONT STYLE="font-family: Tahoma, Helvetica, Sans-Serif">&#141;&#9;</FONT></P>
    <p style="text-indent: 0; font: 12pt Arial, Helvetica, Sans-Serif; margin: 2pt 0">EXCLUDES CERTAIN SHARES*</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <td style="border-top: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; padding: 3pt 0.1in; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 12pt">11.</FONT></TD>
    <td colspan="3" style="padding: 3pt 0.1in; border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; text-indent: 0">
    <p style="text-indent: 0; font: 12pt Arial, Helvetica, Sans-Serif; margin: 2pt 0">PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (9)</P>
    <p style="text-indent: 0; font: 12pt Arial, Helvetica, Sans-Serif; margin: 2pt 0">8.16%</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <td style="border-top: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; padding: 3pt 0.1in; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 12pt">12.</FONT></TD>
    <td colspan="3" style="padding: 3pt 0.1in; border: Black 1pt solid; text-indent: 0">
    <p style="text-indent: 0; font: 12pt Arial, Helvetica, Sans-Serif; margin: 2pt 0">TYPE OF REPORTING PERSON*</P>
    <p style="text-indent: 0; font: 12pt Arial, Helvetica, Sans-Serif; margin: 2pt 0">BK</P></TD></TR>
  </TABLE>
<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 115.8pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 1in">* SEE INSTRUCTIONS&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>


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<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0">Page 3 of 5 Pages</p>

<p style="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</p>

<p style="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in">Item 1(a).</TD><TD STYLE="text-align: justify"><U>Name of Issuer</U>:</TD></TR></TABLE>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 1.5in">Tompkins Financial Corporation</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in">Item 1(b).</TD><TD STYLE="text-align: justify"><U>Address of Issuer's Principal Executive Offices</U>:</TD></TR></TABLE>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 1.5in">118 E. Seneca Street, P.O. Box
460</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 1.5in">Ithaca, NY 14850</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in">Item 2(a).</TD><TD STYLE="text-align: justify"><U>Name of Person Filing</U>:</TD></TR></TABLE>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 1.5in">Tompkins Community Bank</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in">Item 2(b).</TD><TD STYLE="text-align: justify"><U>Address of Principal Business Office, or, if None, Residence</U>:</TD></TR></TABLE>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 1.5in">Tompkins Community Bank</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 1.5in">P.O. Box 460</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 1.5in">Ithaca, NY 14851</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in">Item 2(c).</TD><TD STYLE="text-align: justify"><U>Citizenship</U>:</TD></TR></TABLE>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 1.5in">United States</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in">Item 2(d).</TD><TD STYLE="text-align: justify"><U>Title of Class of Securities</U>:</TD></TR></TABLE>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 1.5in">Common Stock, par value $0.10 par
value</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in">Item 2(e).</TD><TD STYLE="text-align: justify"><U>CUSIP Number</U>:</TD></TR></TABLE>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 1.5in">890110 10 9</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in">Item 3.</TD><TD STYLE="text-align: justify"><U>If this statement is filed pursuant to Rules 13d-1(b) or 13d-2(b), check whether the person filing
is a</U>:</TD></TR></TABLE>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-family: Wingdings">x</FONT>
<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Bank as defined in Section 3(a)(6) of the Act.</FONT></P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in">Item 4(a).</TD><TD STYLE="text-align: justify"><U>Amount Beneficially Owned</U>:</TD></TR></TABLE>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 1.5in">1,184,570</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in">Item 4(b).</TD><TD STYLE="text-align: justify"><U>Percent of Class</U>:</TD></TR></TABLE>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 1.5in">8.16%</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>


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<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0">Page 4 of 5 Pages</p>

<p style="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right">&nbsp;</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in">Item 4(c).</TD><TD STYLE="text-align: justify"><U>Number of shares as to which such person has</U>:</TD></TR></TABLE>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 1.5in">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Sole
power to vote or to direct the vote</U>:</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 2in">0</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 1.5in">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Shared
power to vote or to direct the vote</U>:</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 2in">1,184,570</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 1.5in">(iii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Sole
power to dispose or to direct the disposition of</U>:</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 2in">0</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 1.5in; text-align: justify">(iv)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Shared
power to dispose or to direct the disposition of</U>:</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 2in">1,184,570</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in">Item 5.</TD><TD STYLE="text-align: justify"><U>Ownership of Five Percent or Less of a Class</U>:</TD></TR></TABLE>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 1.5in">Not applicable.</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in">Item 6.</TD><TD STYLE="text-align: justify"><U>Ownership of More than Five Percent on Behalf of Another Person</U>:</TD></TR></TABLE>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 1.5in">Not applicable.</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in">Item 7.</TD><TD STYLE="text-align: justify"><U>Identification and Classification of the Subsidiary Which Acquired the Security Being Reported on by
the Parent Holding Company</U>:</TD></TR></TABLE>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 1.5in">Not applicable.</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in">Item 8.</TD><TD STYLE="text-align: justify"><U>Identification and Classification of Members of the Group</U>:</TD></TR></TABLE>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 1.5in">Not applicable.</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in">Item 9.</TD><TD STYLE="text-align: justify"><U>Notice of Dissolution of Group</U>:</TD></TR></TABLE>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 1.5in">Not applicable.</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>


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<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0">Page 5 of 5 Pages</p>

<p style="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</p>

<p style="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in">Item 10.</TD><TD STYLE="text-align: justify"><U>Certification</U>:</TD></TR></TABLE>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 1.5in; text-align: justify">By signing below I certify that, to the best
of my knowledge and belief, the securities referred to above were acquired and are held in the ordinary course of business and were not
acquired and are not held for the purpose of or with the effect of changing or influencing the control of the issuer of such securities
and were not acquired and are not held in connection with or as a participant in any transaction having such purpose or effect, other
than activities solely in connection with a nomination under Section 240.14a-11.</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">SIGNATURE</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 0.5in">After reasonable inquiry and to
the best of my knowledge and belief, I certify that the information set forth in this statement is true, complete and correct.</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Date February 10, 2023</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><U>/s/ Francis M. Fetsko&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Signature</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><U>Francis M. Fetsko, EVP, CFO &amp; COO</U></P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Name/Title</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

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