The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AT&T INC Com 00206R102 286 18,656 SH   SOLE 0 18,656 0 0
AT&T INC Com 00206R102 210 13,663 SH   DFND 0 13,663 0 0
ABBOTT LABORATORIES Com 002824100 1,947 20,125 SH   SOLE 0 20,009 0 116
ABBOTT LABORATORIES Com 002824100 80 826 SH   DFND 0 826 0 0
ABBVIE INC Com 00287Y109 2,324 17,313 SH   SOLE 0 17,313 0 0
ABBVIE INC Com 00287Y109 89 666 SH   DFND 0 666 0 0
ADOBE INC Com 00724F101 4,328 15,728 SH   SOLE 0 15,472 0 256
ADVANCED ENERGY INDUSTRIES INC Com 007973100 377 4,864 SH   SOLE 0 4,791 0 73
AIR PRODUCTS & CHEMICALS INC Com 009158106 401 1,722 SH   SOLE 0 1,722 0 0
ALPHABET INC CL C Com 02079K107 6,438 66,956 SH   SOLE 0 66,356 0 600
ALPHABET INC CL C Com 02079K107 90 940 SH   DFND 0 940 0 0
ALPHABET INC CL A Com 02079K305 11,664 121,949 SH   SOLE 0 120,469 0 1,480
ALPHABET INC CL A Com 02079K305 90 940 SH   DFND 0 940 0 0
AMAZON COM INC Com 023135106 15,585 137,922 SH   SOLE 0 136,715 0 1,207
AMAZON COM INC Com 023135106 197 1,742 SH   DFND 0 1,742 0 0
AMEREN CORP Com 023608102 380 4,720 SH   SOLE 0 4,720 0 0
AMERICAN EXPRESS CO Com 025816109 907 6,722 SH   SOLE 0 6,722 0 0
AMERICAN NATIONAL BANKSHARES INC Com 027745108 319 9,984 SH   SOLE 0 9,984 0 0
AMERICAN TOWER CORP Com 03027X100 1,560 7,266 SH   SOLE 0 7,122 0 144
AMERICAN WATER WORKS CO INC Com 030420103 175 1,345 SH   SOLE 0 1,345 0 0
AMERICAN WATER WORKS CO INC Com 030420103 52 400 SH   DFND 0 400 0 0
AMGEN INC Com 031162100 6,728 29,850 SH   SOLE 0 29,850 0 0
AMGEN INC Com 031162100 702 3,113 SH   DFND 0 3,113 0 0
ANALOG DEVICES INC Com 032654105 422 3,025 SH   SOLE 0 3,025 0 0
APPLE INC Com 037833100 45,884 332,011 SH   SOLE 0 328,746 0 3,265
APPLE INC Com 037833100 518 3,748 SH   DFND 0 3,748 0 0
APPLIED MATERIALS INC Com 038222105 619 7,560 SH   SOLE 0 7,560 0 0
AUTOMATIC DATA PROCESSING INC Com 053015103 1,775 7,849 SH   SOLE 0 7,801 0 48
AUTOMATIC DATA PROCESSING INC Com 053015103 850 3,758 SH   DFND 0 3,758 0 0
AUTOZONE INC Com 053332102 278 130 SH   SOLE 0 130 0 0
BALL CORP Com 058498106 292 6,049 SH   SOLE 0 6,049 0 0
BANK OF AMERICA CORP Com 060505104 374 12,377 SH   SOLE 0 12,377 0 0
BANK OF AMERICA CORP Com 060505104 45 1,500 SH   DFND 0 1,500 0 0
BECTON DICKINSON & CO Com 075887109 187 838 SH   SOLE 0 838 0 0
BECTON DICKINSON & CO Com 075887109 16 72 SH   DFND 0 72 0 0
BERKSHIRE HATHAWAY INC B Com 084670702 10,921 40,898 SH   SOLE 0 40,364 0 534
BERKSHIRE HATHAWAY INC B Com 084670702 54 204 SH   DFND 0 204 0 0
BEST BUY Com 086516101 3,953 62,407 SH   SOLE 0 62,407 0 0
BLACKROCK INC Com 09247X101 614 1,115 SH   SOLE 0 1,106 0 9
BRISTOL MYERS SQUIBB CO Com 110122108 1,833 25,780 SH   SOLE 0 25,646 0 134
BRISTOL MYERS SQUIBB CO Com 110122108 449 6,315 SH   DFND 0 6,315 0 0
BROADRIDGE FINL SOLUTIONS INC Com 11133T103 208 1,440 SH   SOLE 0 1,440 0 0
BROADRIDGE FINL SOLUTIONS INC Com 11133T103 9 63 SH   DFND 0 63 0 0
BROADCOM INC Com 11135F101 14,086 31,725 SH   SOLE 0 31,331 0 394
BROADCOM INC Com 11135F101 103 232 SH   DFND 0 232 0 0
CVS HEALTH CORPORATION Com 126650100 140 1,473 SH   SOLE 0 1,473 0 0
CVS HEALTH CORPORATION Com 126650100 95 1,000 SH   DFND 0 1,000 0 0
CARRIER GLOBAL CORP Com 14448C104 388 10,898 SH   SOLE 0 10,898 0 0
CARRIER GLOBAL CORP Com 14448C104 11 300 SH   DFND 0 300 0 0
CATERPILLAR INC Com 149123101 251 1,527 SH   SOLE 0 1,527 0 0
CENTENE CORP Com 15135B101 402 5,169 SH   SOLE 0 5,029 0 140
CHEVRON CORPORATION Com 166764100 1,197 8,334 SH   SOLE 0 8,334 0 0
CHEVRON CORPORATION Com 166764100 331 2,307 SH   DFND 0 2,307 0 0
CISCO SYSTEMS INC Com 17275R102 11,465 286,637 SH   SOLE 0 283,716 0 2,921
CISCO SYSTEMS INC Com 17275R102 215 5,364 SH   DFND 0 5,364 0 0
CITIZENS FINANCIAL GROUP INC Com 174610105 3,935 114,528 SH   SOLE 0 114,528 0 0
CITIZENS FINANCIAL GROUP INC Com 174610105 9 250 SH   DFND 0 250 0 0
COCA COLA CO Com 191216100 861 15,378 SH   SOLE 0 15,378 0 0
COCA COLA CO Com 191216100 112 2,000 SH   DFND 0 2,000 0 0
COLGATE PALMOLIVE INC Com 194162103 262 3,725 SH   SOLE 0 3,672 0 53
COMCAST CORP Com 20030N101 6,000 204,566 SH   SOLE 0 203,486 0 1,080
COMCAST CORP Com 20030N101 4 125 SH   DFND 0 125 0 0
COMERICA INC Com 200340107 1,436 20,200 SH   SOLE 0 20,200 0 0
CONSOLIDATED EDISON INC Com 209115104 534 6,225 SH   SOLE 0 6,225 0 0
COSTCO WHOLESALE CORP Com 22160K105 1,091 2,310 SH   SOLE 0 2,310 0 0
COUPANG INC Com 22266T109 2,732 163,876 SH   SOLE 0 163,876 0 0
DXC TECHNOLOGY CO Com 23355L106 643 26,266 SH   SOLE 0 26,032 0 234
DANAHER CORP Com 235851102 1,409 5,457 SH   SOLE 0 5,457 0 0
DANAHER CORP Com 235851102 12 46 SH   DFND 0 46 0 0
DEERE & COMPANY Com 244199105 412 1,234 SH   SOLE 0 1,234 0 0
DEERE & COMPANY Com 244199105 9 26 SH   DFND 0 26 0 0
DIMENSIONAL EMERG CORE EQ MKT ETF Com 25434V302 13,557 674,805 SH   SOLE 0 666,819 0 7,986
WALT DISNEY CO Com 254687106 660 6,997 SH   SOLE 0 6,997 0 0
WALT DISNEY CO Com 254687106 12 125 SH   DFND 0 125 0 0
DOLLAR GENERAL CORP Com 256677105 9,367 39,051 SH   SOLE 0 38,906 0 145
DUKE ENERGY CORP Com 26441C204 105 1,129 SH   SOLE 0 1,129 0 0
DUKE ENERGY CORP Com 26441C204 111 1,190 SH   DFND 0 1,190 0 0
EBAY INC Com 278642103 321 8,729 SH   SOLE 0 8,729 0 0
EBAY INC Com 278642103 7 187 SH   DFND 0 187 0 0
ECOLAB INC Com 278865100 216 1,496 SH   SOLE 0 1,496 0 0
EDWARDS LIFESCIENCES CORP Com 28176E108 1,872 22,650 SH   SOLE 0 22,650 0 0
EDWARDS LIFESCIENCES CORP Com 28176E108 4 50 SH   DFND 0 50 0 0
EMERSON ELECTRIC CO Com 291011104 5,652 77,197 SH   SOLE 0 76,597 0 600
EMERSON ELECTRIC CO Com 291011104 218 2,981 SH   DFND 0 2,981 0 0
EVERGY INC Com 30034W106 5,247 88,336 SH   SOLE 0 87,736 0 600
EVERGY INC Com 30034W106 45 750 SH   DFND 0 750 0 0
EXELON CORP Com 30161N101 234 6,260 SH   SOLE 0 6,260 0 0
EXXON MOBIL CORP Com 30231G102 2,619 29,994 SH   SOLE 0 29,994 0 0
EXXON MOBIL CORP Com 30231G102 68 775 SH   DFND 0 775 0 0
META PLATFORMS INC Com 30303M102 2,899 21,369 SH   SOLE 0 21,122 0 247
META PLATFORMS INC Com 30303M102 88 650 SH   DFND 0 650 0 0
FEDERATED HERMES INC Com 314211103 9,855 297,556 SH   SOLE 0 294,459 0 3,097
FEDERATED HERMES INC Com 314211103 39 1,170 SH   DFND 0 1,170 0 0
FEDEX CORP Com 31428X106 221 1,491 SH   SOLE 0 1,491 0 0
FEDEX CORP Com 31428X106 30 200 SH   DFND 0 200 0 0
FIRST TRUST GLOBAL WIND ENERGY ETF Com 33736G106 1,580 104,446 SH   SOLE 0 103,846 0 600
FIRST TRUST GLOBAL WIND ENERGY ETF Com 33736G106 18 1,200 SH   DFND 0 1,200 0 0
FLEXSHARES IBOXX 3 YR TGT TIPS ETF Com 33939L506 354 15,139 SH   SOLE 0 15,139 0 0
FLEXSHARES GLOBAL QUALITY REAL ESTATE ETF Com 33939L787 211 4,215 SH   SOLE 0 4,215 0 0
FLEXSHARES STOXX GLOBAL BROAD INFRA ETF Com 33939L795 681 14,914 SH   SOLE 0 14,589 0 325
FLEXSHARES QUALITY DIV DEFENSIVE ETF Com 33939L845 380 8,275 SH   SOLE 0 8,275 0 0
FLEXSHARES QUALITY DVD ETF Com 33939L860 8,268 174,976 SH   SOLE 0 173,226 0 1,750
FORD MOTOR CO Com 345370860 133 11,883 SH   SOLE 0 11,883 0 0
FORD MOTOR CO Com 345370860 2 150 SH   DFND 0 150 0 0
GENERAL DYNAMICS CORP Com 369550108 33 157 SH   SOLE 0 157 0 0
GENERAL DYNAMICS CORP Com 369550108 198 935 SH   DFND 0 935 0 0
GENERAL MILLS INC Com 370334104 111 1,449 SH   SOLE 0 1,449 0 0
GENERAL MILLS INC Com 370334104 102 1,325 SH   DFND 0 1,325 0 0
GENERAL MOTORS CO Com 37045V100 423 13,170 SH   SOLE 0 13,170 0 0
GENERAL MOTORS CO Com 37045V100 2 50 SH   DFND 0 50 0 0
GSK PLC Com 37733W204 208 7,059 SH   SOLE 0 7,059 0 0
GOLDMAN SACHS ACTIVEBETA INTL EQUITY ETF Com 381430107 18,207 735,656 SH   SOLE 0 726,834 0 8,822
GOLDMAN SACHS ACTIVEBETA INTL EQUITY ETF Com 381430107 15 601 SH   DFND 0 601 0 0
GOLDMAN SACHS ACTIVEBETA US LGE CAP EQ ETF Com 381430503 5,473 77,068 SH   SOLE 0 75,118 0 1,950
GOLDMAN SACHS ACTIVEBETA US LGE CAP EQ ETF Com 381430503 8 119 SH   DFND 0 119 0 0
JACK HENRY & ASSOCIATES INC Com 426281101 344 1,890 SH   SOLE 0 1,890 0 0
HERSHEY COMPANY Com 427866108 419 1,900 SH   SOLE 0 1,900 0 0
HOLOGIC INC Com 436440101 646 10,015 SH   SOLE 0 9,845 0 170
HOME DEPOT INC Com 437076102 10,976 39,777 SH   SOLE 0 39,264 0 513
HOME DEPOT INC Com 437076102 186 675 SH   DFND 0 675 0 0
HONEYWELL INTL INC Com 438516106 816 4,886 SH   SOLE 0 4,886 0 0
HONEYWELL INTL INC Com 438516106 100 600 SH   DFND 0 600 0 0
ILLINOIS TOOL WORKS INC Com 452308109 243 1,347 SH   SOLE 0 1,291 0 56
ILLINOIS TOOL WORKS INC Com 452308109 542 3,000 SH   DFND 0 3,000 0 0
INGERSOLL RAND INC Com 45687V106 80 1,843 SH   SOLE 0 1,843 0 0
INGERSOLL RAND INC Com 45687V106 173 4,000 SH   DFND 0 4,000 0 0
INTEL CORP Com 458140100 8,390 325,574 SH   SOLE 0 323,262 0 2,312
INTEL CORP Com 458140100 327 12,695 SH   DFND 0 12,695 0 0
INTERNATIONAL BUSINESS MACHINES CORP Com 459200101 970 8,161 SH   SOLE 0 8,161 0 0
INTERNATIONAL BUSINESS MACHINES CORP Com 459200101 24 200 SH   DFND 0 200 0 0
INVESCO QQQ TRUST SERIES 1 ETF Com 46090E103 354 1,323 SH   SOLE 0 1,323 0 0
INVESCO WATER RESOURCES ETF Com 46137V142 1,172 25,610 SH   SOLE 0 25,260 0 350
INVESCO WATER RESOURCES ETF Com 46137V142 23 500 SH   DFND 0 500 0 0
INVESCO MSCI SUSTAINABLE FUTURE ETF Com 46137V407 703 14,427 SH   SOLE 0 14,107 0 320
INVESCO MSCI SUSTAINABLE FUTURE ETF Com 46137V407 21 425 SH   DFND 0 425 0 0
INVESCO SOLAR ETF Com 46138G706 1,976 26,840 SH   SOLE 0 26,671 0 169
INVESCO SOLAR ETF Com 46138G706 37 500 SH   DFND 0 500 0 0
ISHARES SELECT DIVIDEND ETF Com 464287168 1,046 9,760 SH   SOLE 0 9,760 0 0
ISHARES CORE S&P 500 ETF Com 464287200 19,399 54,090 SH   SOLE 0 52,476 0 1,614
ISHARES IBOXX INV GRADE CORP BD ETF Com 464287242 1,013 9,887 SH   SOLE 0 9,887 0 0
ISHARES MSCI EAFE INDEX ETF Com 464287465 1,176 20,988 SH   SOLE 0 20,988 0 0
ISHARES MSCI EAFE INDEX ETF Com 464287465 73 1,306 SH   DFND 0 1,306 0 0
ISHARES CORE S&P MIDCAP ETF Com 464287507 949 4,327 SH   SOLE 0 4,327 0 0
ISHARES RUSSELL 1000 GROWTH ETF Com 464287614 327 1,555 SH   SOLE 0 1,555 0 0
ISHARES RUSSELL 2000 ETF Com 464287655 242 1,470 SH   SOLE 0 1,470 0 0
ISHARES RUSSELL 3000 ETF Com 464287689 1,429 6,901 SH   SOLE 0 6,901 0 0
ISHARES CORE S&P SMALL CAP ETF Com 464287804 370 4,244 SH   SOLE 0 4,244 0 0
ISHARES CORE S&P SMALL CAP ETF Com 464287804 16 182 SH   DFND 0 182 0 0
ISHARES GLBL TIMBER & FORESTRY ETF Com 464288174 344 5,257 SH   SOLE 0 5,188 0 69
ISHARES MSCI USA ESG SELECT SOCIAL IDX ETF Com 464288802 1,630 21,477 SH   SOLE 0 21,317 0 160
ISHARES MSCI EAFE MIN VOL FACTOR ETF Com 46429B689 5,115 89,723 SH   SOLE 0 89,723 0 0
ISHARES EDGE MSCI MIN VOL USA ETF Com 46429B697 261 3,946 SH   SOLE 0 3,946 0 0
ISHARES EDGE MSCI USA QUAL FACT ETF Com 46432F339 2,894 27,845 SH   SOLE 0 27,845 0 0
ISHARES EDGE MSCI USA VAL WT IDX ETF Com 46432F388 234 2,859 SH   SOLE 0 2,859 0 0
ISHARES CORE MSCI EAFE ETF Com 46432F842 27,198 516,386 SH   SOLE 0 512,776 0 3,610
ISHARES CORE MSCI EAFE ETF Com 46432F842 18 350 SH   DFND 0 350 0 0
ISHARES U S EQUITY FACTOR ETF Com 46434V282 221 6,108 SH   SOLE 0 6,108 0 0
ISHARES CORE DIVIDEND GROWTH ETF Com 46434V621 32,788 737,307 SH   SOLE 0 729,027 0 8,280
ITRON INC Com 465741106 214 5,079 SH   SOLE 0 4,949 0 130
JP MORGAN CHASE & CO Com 46625H100 10,169 97,310 SH   SOLE 0 96,667 0 643
JP MORGAN CHASE & CO Com 46625H100 73 695 SH   DFND 0 695 0 0
JOHNSON & JOHNSON CO Com 478160104 9,234 56,527 SH   SOLE 0 55,671 0 856
JOHNSON & JOHNSON CO Com 478160104 563 3,448 SH   DFND 0 3,448 0 0
KELLOGG CO Com 487836108 286 4,100 SH   SOLE 0 4,100 0 0
KEYCORP NEW Com 493267108 712 44,430 SH   SOLE 0 44,150 0 280
KIMBERLY-CLARK CORP Com 494368103 1,259 11,185 SH   SOLE 0 11,185 0 0
KIMBERLY-CLARK CORP Com 494368103 248 2,200 SH   DFND 0 2,200 0 0
KROGER CO Com 501044101 14,324 327,399 SH   SOLE 0 324,287 0 3,112
KROGER CO Com 501044101 3 66 SH   DFND 0 66 0 0
L3 HARRIS TECHNOLOGIES INC Com 502431109 4,946 23,796 SH   SOLE 0 23,796 0 0
LABORATORY CORP OF AMERICA HOLDINGS Com 50540R409 3,901 19,047 SH   SOLE 0 18,735 0 312
ELI LILLY & CO Com 532457108 1,171 3,621 SH   SOLE 0 3,621 0 0
ELI LILLY & CO Com 532457108 215 664 SH   DFND 0 664 0 0
LINCOLN ELECTRIC HOLDINGS Com 533900106 6,250 49,713 SH   SOLE 0 49,236 0 477
LOWES COMPANIES INC Com 548661107 8,256 43,960 SH   SOLE 0 43,960 0 0
MARSH & MCLENNAN CO INC Com 571748102 266 1,781 SH   SOLE 0 1,781 0 0
MASTERCARD INC CL A Com 57636Q104 1,321 4,646 SH   SOLE 0 4,276 0 370
MASTERCARD INC CL A Com 57636Q104 28 100 SH   DFND 0 100 0 0
MCDONALDS CORP Com 580135101 678 2,937 SH   SOLE 0 2,937 0 0
MCDONALDS CORP Com 580135101 208 902 SH   DFND 0 902 0 0
MEDICAL PROPERTIES TRUST INC Com 58463J304 235 19,847 SH   SOLE 0 19,583 0 264
MERCK & CO INC Com 58933Y105 13,047 151,501 SH   SOLE 0 150,592 0 909
MERCK & CO INC Com 58933Y105 159 1,850 SH   DFND 0 1,850 0 0
METLIFE INC Com 59156R108 5,502 90,531 SH   SOLE 0 90,531 0 0
METLIFE INC Com 59156R108 46 760 SH   DFND 0 760 0 0
MICROSOFT CORP Com 594918104 33,732 144,835 SH   SOLE 0 143,447 0 1,388
MICROSOFT CORP Com 594918104 1,169 5,019 SH   DFND 0 5,019 0 0
MONDELEZ INTERNATIONAL INC A Com 609207105 352 6,427 SH   SOLE 0 6,427 0 0
MONDELEZ INTERNATIONAL INC A Com 609207105 44 800 SH   DFND 0 800 0 0
MORGAN STANLEY Com 617446448 378 4,784 SH   SOLE 0 4,784 0 0
NASDAQ INC Com 631103108 184 3,255 SH   SOLE 0 3,255 0 0
NASDAQ INC Com 631103108 102 1,800 SH   DFND 0 1,800 0 0
NEXTERA ENERGY INC Com 65339F101 3,630 46,298 SH   SOLE 0 46,298 0 0
NIKE INC CLASS B Com 654106103 1,603 19,289 SH   SOLE 0 19,289 0 0
NIKE INC CLASS B Com 654106103 8 100 SH   DFND 0 100 0 0
NORTONLIFELOCK INC Com 668771108 688 34,181 SH   SOLE 0 33,780 0 401
NUVEEN MUNI VALUE FUND Com 670928100 329 38,870 SH   DFND 0 38,870 0 0
ORACLE CORPORATION Com 68389X105 10,577 173,202 SH   SOLE 0 172,344 0 858
ORACLE CORPORATION Com 68389X105 27 438 SH   DFND 0 438 0 0
PNC FINANCIAL SERVICES GROUP Com 693475105 4,648 31,105 SH   SOLE 0 30,412 0 693
PNC FINANCIAL SERVICES GROUP Com 693475105 9 62 SH   DFND 0 62 0 0
PPG INDUSTRIES Com 693506107 205 1,854 SH   SOLE 0 1,854 0 0
PPG INDUSTRIES Com 693506107 32 289 SH   DFND 0 289 0 0
PPL CORP Com 69351T106 297 11,700 SH   SOLE 0 11,700 0 0
PPL CORP Com 69351T106 10 400 SH   DFND 0 400 0 0
PAYCHEX INC Com 704326107 306 2,731 SH   SOLE 0 2,731 0 0
PEPSICO INC Com 713448108 3,155 19,327 SH   SOLE 0 19,327 0 0
PEPSICO INC Com 713448108 705 4,320 SH   DFND 0 4,320 0 0
PFIZER INC Com 717081103 15,221 347,831 SH   SOLE 0 344,898 0 2,933
PFIZER INC Com 717081103 717 16,392 SH   DFND 0 16,392 0 0
PHILIP MORRIS INTERNATIONAL INC Com 718172109 371 4,475 SH   SOLE 0 4,475 0 0
PROCTER & GAMBLE CO Com 742718109 9,736 77,118 SH   SOLE 0 76,277 0 841
PROCTER & GAMBLE CO Com 742718109 497 3,940 SH   DFND 0 3,940 0 0
PUBLIC SERVICE ENTERPRISE GROUP Com 744573106 11,008 195,774 SH   SOLE 0 194,106 0 1,668
RAYTHEON TECHNOLOGIES CORP Com 75513E101 1,472 17,986 SH   SOLE 0 17,986 0 0
RAYTHEON TECHNOLOGIES CORP Com 75513E101 25 300 SH   DFND 0 300 0 0
REGENERON PHARMACEUTICALS INC Com 75886F107 6,127 8,895 SH   SOLE 0 8,728 0 167
REPLIGEN CORP Com 759916109 4,093 21,877 SH   SOLE 0 21,877 0 0
ROPER TECHNOLOGIES, INC Com 776696106 315 875 SH   SOLE 0 875 0 0
SHELL PLC ADR Com 780259305 135 2,723 SH   SOLE 0 2,723 0 0
SHELL PLC ADR Com 780259305 197 3,955 SH   DFND 0 3,955 0 0
S&P GLOBAL INC Com 78409V104 246 807 SH   SOLE 0 807 0 0
SPDR S&P500 ETF Com 78462F103 3,517 9,846 SH   SOLE 0 9,846 0 0
SPDR GOLD SHARES ETF Com 78463V107 246 1,591 SH   SOLE 0 1,591 0 0
SPDR S&P DIVIDEND ETF Com 78464A763 2,341 20,996 SH   SOLE 0 20,996 0 0
SANOFI ADR Com 80105N105 1,868 49,143 SH   SOLE 0 49,143 0 0
SANOFI ADR Com 80105N105 26 671 SH   DFND 0 671 0 0
CHARLES SCHWAB CORP Com 808513105 770 10,709 SH   SOLE 0 10,709 0 0
SCHWAB US DIVIDEND EQUITY ETF Com 808524797 3,093 46,564 SH   SOLE 0 46,564 0 0
SPDR HEALTH CARE SEL SECT ETF Com 81369Y209 1,085 8,958 SH   SOLE 0 8,958 0 0
SPDR CONSUMER STAPLES SELECT SECTOR ETF Com 81369Y308 7,013 105,094 SH   SOLE 0 103,582 0 1,512
SPDR CONSUMER STAPLES SELECT SECTOR ETF Com 81369Y308 13 200 SH   DFND 0 200 0 0
SPDR CONSUMER DISC SELECT SECTOR ETF Com 81369Y407 1,884 13,229 SH   SOLE 0 13,229 0 0
SPDR CONSUMER DISC SELECT SECTOR ETF Com 81369Y407 28 200 SH   DFND 0 200 0 0
SPDR FINANCIAL SELECT SECTOR ETF Com 81369Y605 5,905 194,497 SH   SOLE 0 194,497 0 0
SPDR FINANCIAL SELECT SECTOR ETF Com 81369Y605 3 100 SH   DFND 0 100 0 0
SPDR INDUSTRIAL SELECT SECTOR ETF Com 81369Y704 486 5,863 SH   SOLE 0 5,863 0 0
SPDR TECHNOLOGY SELECT SECTOR ETF Com 81369Y803 2,626 22,107 SH   SOLE 0 22,107 0 0
SPROTT PHYSICAL GOLD TRUST Com 85207H104 129 10,058 SH   SOLE 0 10,058 0 0
STARBUCKS CORP Com 855244109 6,272 74,438 SH   SOLE 0 73,700 0 738
STARBUCKS CORP Com 855244109 34 400 SH   DFND 0 400 0 0
SYSCO CORPORATION Com 871829107 228 3,222 SH   SOLE 0 3,222 0 0
SYSCO CORPORATION Com 871829107 283 4,000 SH   DFND 0 4,000 0 0
TJX COMPANIES INC Com 872540109 8,097 130,339 SH   SOLE 0 126,963 0 3,376
TJX COMPANIES INC Com 872540109 12 190 SH   DFND 0 190 0 0
TARGET CORP Com 87612E106 6,240 42,054 SH   SOLE 0 42,018 0 36
TARGET CORP Com 87612E106 249 1,678 SH   DFND 0 1,678 0 0
TETRA TECH INC Com 88162G103 562 4,376 SH   SOLE 0 4,376 0 0
TEXAS INSTRUMENTS INC Com 882508104 5,736 37,060 SH   SOLE 0 37,060 0 0
TEXAS INSTRUMENTS INC Com 882508104 143 926 SH   DFND 0 926 0 0
THERMO FISHER SCIENTIFIC Com 883556102 1,158 2,284 SH   SOLE 0 2,284 0 0
THERMO FISHER SCIENTIFIC Com 883556102 22 43 SH   DFND 0 43 0 0
3M CO Com 88579Y101 1,145 10,365 SH   SOLE 0 10,365 0 0
3M CO Com 88579Y101 17 150 SH   DFND 0 150 0 0
TRAVELERS COS INC Com 89417E109 438 2,857 SH   SOLE 0 2,857 0 0
TRUIST FINANCIAL CORP Com 89832Q109 11,585 266,082 SH   SOLE 0 264,312 0 1,770
TRUIST FINANCIAL CORP Com 89832Q109 175 4,022 SH   DFND 0 4,022 0 0
UNION PACIFIC CORP Com 907818108 1,154 5,922 SH   SOLE 0 5,922 0 0
UNION PACIFIC CORP Com 907818108 175 900 SH   DFND 0 900 0 0
UNITED PARCEL SERVICE INC Com 911312106 347 2,151 SH   SOLE 0 2,151 0 0
UNITED PARCEL SERVICE INC Com 911312106 113 700 SH   DFND 0 700 0 0
UNITEDHEALTH GROUP INC Com 91324P102 8,682 17,191 SH   SOLE 0 16,891 0 300
VANGUARD DIVIDEND APPREC ETF Com 921908844 6,932 51,284 SH   SOLE 0 51,284 0 0
VANGUARD ESG INTL STOCK ETF Com 921910725 1,617 37,219 SH   SOLE 0 36,850 0 369
VANGUARD HIGH DIVIDEND YIELD ETF Com 921946406 1,218 12,836 SH   SOLE 0 12,836 0 0
VANGUARD SHORT TERM TIPS ETF Com 922020805 1,911 39,721 SH   SOLE 0 39,721 0 0
VANGUARD FTSE PACIFIC ETF Com 922042866 4,812 83,774 SH   SOLE 0 82,881 0 893
VANGUARD FTSE EUROPE ETF Com 922042874 5,883 127,467 SH   SOLE 0 126,573 0 894
VANGUARD HEALTH CARE ETF Com 92204A504 234 1,045 SH   SOLE 0 1,045 0 0
VANGUARD INDUSTRIALS ETF Com 92204A603 6,492 41,206 SH   SOLE 0 40,356 0 850
VANGUARD INDUSTRIALS ETF Com 92204A603 10 64 SH   DFND 0 64 0 0
VANGUARD INFO TECH ETF Com 92204A702 451 1,467 SH   SOLE 0 1,467 0 0
VANGUARD S&P 500 ETF Com 922908363 291 887 SH   SOLE 0 887 0 0
VANGUARD MID CAP VALUE ETF Com 922908512 13,113 107,690 SH   SOLE 0 106,779 0 911
VANGUARD MID CAP VALUE ETF Com 922908512 79 652 SH   DFND 0 652 0 0
VANGUARD MID CAP GROWTH ETF Com 922908538 527 3,093 SH   SOLE 0 3,093 0 0
VANGUARD MID CAP GROWTH ETF Com 922908538 66 385 SH   DFND 0 385 0 0
VANGUARD REIT INDEX ETF Com 922908553 334 4,165 SH   SOLE 0 4,165 0 0
VANGUARD REIT INDEX ETF Com 922908553 141 1,755 SH   DFND 0 1,755 0 0
VANGUARD LARGE CAP ETF Com 922908637 8,383 51,256 SH   SOLE 0 51,256 0 0
VANGUARD TOTAL STOCK MKT ETF Com 922908769 4,155 23,149 SH   SOLE 0 23,149 0 0
VERIZON COMMUNICATIONS Com 92343V104 5,104 134,431 SH   SOLE 0 134,281 0 150
VERIZON COMMUNICATIONS Com 92343V104 286 7,533 SH   DFND 0 7,533 0 0
VISA INC Com 92826C839 8,962 50,445 SH   SOLE 0 50,116 0 329
VISA INC Com 92826C839 137 772 SH   DFND 0 772 0 0
WEC ENERGY GROUP INC Com 92939U106 740 8,278 SH   SOLE 0 8,196 0 82
WEC ENERGY GROUP INC Com 92939U106 27 300 SH   DFND 0 300 0 0
WALMART STORES INC Com 931142103 1,818 14,014 SH   SOLE 0 13,975 0 39
WALMART STORES INC Com 931142103 207 1,593 SH   DFND 0 1,593 0 0
WASTE MANAGEMENT Com 94106L109 312 1,946 SH   SOLE 0 1,946 0 0
WATTS WATER TECHNOLOGIES-A Com 942749102 634 5,044 SH   SOLE 0 4,954 0 90
YUM BRANDS INC Com 988498101 132 1,246 SH   SOLE 0 1,246 0 0
YUM BRANDS INC Com 988498101 74 700 SH   DFND 0 700 0 0
ACCENTURE PLC Com G1151C101 7,551 29,346 SH   SOLE 0 28,852 0 494
ACCENTURE PLC Com G1151C101 10 40 SH   DFND 0 40 0 0
EATON CORP PLC Com G29183103 7,906 59,286 SH   SOLE 0 58,621 0 665
EATON CORP PLC Com G29183103 112 837 SH   DFND 0 837 0 0
JOHNSON CONTROLS INTERNATIONAL PLC Com G51502105 3,613 73,399 SH   SOLE 0 73,249 0 150
LINDE PLC Com G5494J103 453 1,682 SH   SOLE 0 1,682 0 0
LINDE PLC Com G5494J103 61 225 SH   DFND 0 225 0 0
MEDTRONIC PLC Com G5960L103 5,957 73,765 SH   SOLE 0 73,077 0 688
SENSATA TECHNOLOGIES HOLDING PLC Com G8060N102 363 9,737 SH   SOLE 0 9,587 0 150
TRANE TECHNOLOGIES PUBLIC LTD CO Com G8994E103 282 1,950 SH   SOLE 0 1,950 0 0
TRANE TECHNOLOGIES PUBLIC LTD CO Com G8994E103 724 5,000 SH   DFND 0 5,000 0 0