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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AT&T INC Com 00206R102   279,012 18,576 SH   SOLE 0 18,576 0 0
AT&T INC Com 00206R102   164,890 10,978 SH   DFND 0 10,978 0 0
ABBOTT LABORATORIES Com 002824100   1,817,584 18,767 SH   SOLE 0 18,651 0 116
ABBOTT LABORATORIES Com 002824100   79,998 826 SH   DFND 0 826 0 0
ABBVIE INC Com 00287Y109   2,442,795 16,388 SH   SOLE 0 16,388 0 0
ABBVIE INC Com 00287Y109   95,249 639 SH   DFND 0 639 0 0
ADOBE INC Com 00724F101   7,910,589 15,514 SH   SOLE 0 15,233 0 281
AIR PRODUCTS & CHEMICALS INC Com 009158106   535,059 1,888 SH   SOLE 0 1,888 0 0
ALPHABET INC CL C Com 02079K107   6,700,749 50,821 SH   SOLE 0 50,571 0 250
ALPHABET INC CL C Com 02079K107   123,939 940 SH   DFND 0 940 0 0
ALPHABET INC CL A Com 02079K305   14,636,168 111,846 SH   SOLE 0 110,681 0 1,165
ALPHABET INC CL A Com 02079K305   123,008 940 SH   DFND 0 940 0 0
AMAZON COM INC Com 023135106   13,142,047 103,383 SH   SOLE 0 102,562 0 821
AMAZON COM INC Com 023135106   105,510 830 SH   DFND 0 830 0 0
AMEREN CORP Com 023608102   351,327 4,695 SH   SOLE 0 4,695 0 0
AMERICAN EXPRESS CO Com 025816109   887,681 5,950 SH   SOLE 0 5,950 0 0
AMERICAN NATIONAL BANKSHARES INC Com 027745108   378,793 9,984 SH   SOLE 0 9,984 0 0
AMERICAN TOWER CORP Com 03027X100   1,040,146 6,325 SH   SOLE 0 6,325 0 0
AMERIPRISE FINANCIAL INC Com 03076C106   239,348 726 SH   SOLE 0 726 0 0
AMGEN INC Com 031162100   7,716,906 28,713 SH   SOLE 0 28,613 0 100
AMGEN INC Com 031162100   836,650 3,113 SH   DFND 0 3,113 0 0
ANALOG DEVICES INC Com 032654105   429,671 2,454 SH   SOLE 0 2,454 0 0
APPLE INC Com 037833100   48,930,106 285,790 SH   SOLE 0 283,352 0 2,438
APPLE INC Com 037833100   590,332 3,448 SH   DFND 0 3,448 0 0
APPLIED MATERIALS INC Com 038222105   887,188 6,408 SH   SOLE 0 6,408 0 0
AUTOMATIC DATA PROCESSING INC Com 053015103   1,814,695 7,543 SH   SOLE 0 7,495 0 48
AUTOMATIC DATA PROCESSING INC Com 053015103   782,847 3,254 SH   DFND 0 3,254 0 0
AUTOZONE INC Com 053332102   302,259 119 SH   SOLE 0 119 0 0
BALL CORP Com 058498106   224,408 4,508 SH   SOLE 0 4,508 0 0
BANK OF AMERICA CORP Com 060505104   387,509 14,153 SH   SOLE 0 14,153 0 0
BANK OF AMERICA CORP Com 060505104   41,070 1,500 SH   DFND 0 1,500 0 0
BERKSHIRE HATHAWAY INC A Com 084670108   531,477 1 SH   SOLE 0 1 0 0
BERKSHIRE HATHAWAY INC B Com 084670702   12,952,343 36,975 SH   SOLE 0 36,653 0 322
BERKSHIRE HATHAWAY INC B Com 084670702   71,461 204 SH   DFND 0 204 0 0
BLACKROCK INC Com 09247X101   687,865 1,064 SH   SOLE 0 1,055 0 9
BRISTOL MYERS SQUIBB CO Com 110122108   1,420,529 24,475 SH   SOLE 0 24,357 0 118
BRISTOL MYERS SQUIBB CO Com 110122108   366,523 6,315 SH   DFND 0 6,315 0 0
BROADCOM INC Com 11135F101   22,714,702 27,348 SH   SOLE 0 27,044 0 304
BROADCOM INC Com 11135F101   192,695 232 SH   DFND 0 232 0 0
CSX CORP Com 126408103   563,771 18,334 SH   SOLE 0 18,334 0 0
CVS HEALTH CORPORATION Com 126650100   4,026,170 57,665 SH   SOLE 0 57,156 0 509
CVS HEALTH CORPORATION Com 126650100   69,820 1,000 SH   DFND 0 1,000 0 0
CARRIER GLOBAL CORP Com 14448C104   627,238 11,363 SH   SOLE 0 11,363 0 0
CARRIER GLOBAL CORP Com 14448C104   16,560 300 SH   DFND 0 300 0 0
CATERPILLAR INC Com 149123101   395,031 1,447 SH   SOLE 0 1,447 0 0
CENTENE CORP Com 15135B101   389,172 5,650 SH   SOLE 0 5,510 0 140
CHEVRON CORPORATION Com 166764100   1,617,066 9,590 SH   SOLE 0 9,590 0 0
CHEVRON CORPORATION Com 166764100   389,006 2,307 SH   DFND 0 2,307 0 0
CISCO SYSTEMS INC Com 17275R102   14,928,668 277,691 SH   SOLE 0 275,100 0 2,591
CISCO SYSTEMS INC Com 17275R102   288,369 5,364 SH   DFND 0 5,364 0 0
COCA COLA CO Com 191216100   867,858 15,503 SH   SOLE 0 15,503 0 0
COCA COLA CO Com 191216100   83,970 1,500 SH   DFND 0 1,500 0 0
COLGATE PALMOLIVE INC Com 194162103   222,290 3,126 SH   SOLE 0 3,126 0 0
COMCAST CORP Com 20030N101   8,402,430 189,500 SH   SOLE 0 189,220 0 280
COMCAST CORP Com 20030N101   15,120 341 SH   DFND 0 341 0 0
COMERICA INC Com 200340107   664,800 16,000 SH   SOLE 0 16,000 0 0
CONSOLIDATED EDISON INC Com 209115104   511,042 5,975 SH   SOLE 0 5,975 0 0
COSTCO WHOLESALE CORP Com 22160K105   1,090,938 1,931 SH   SOLE 0 1,931 0 0
COUPANG INC Com 22266T109   1,309,000 77,000 SH   SOLE 0 77,000 0 0
DANAHER CORP Com 235851102   1,392,337 5,612 SH   SOLE 0 5,612 0 0
DANAHER CORP Com 235851102   11,413 46 SH   DFND 0 46 0 0
DEERE & COMPANY Com 244199105   452,856 1,200 SH   SOLE 0 1,200 0 0
DEERE & COMPANY Com 244199105   9,812 26 SH   DFND 0 26 0 0
DIMENSIONAL EMERG CORE EQ MKT ETF Com 25434V302   16,910,144 749,231 SH   SOLE 0 743,028 0 6,203
WALT DISNEY CO Com 254687106   582,587 7,188 SH   SOLE 0 7,188 0 0
WALT DISNEY CO Com 254687106   10,131 125 SH   DFND 0 125 0 0
DOLLAR GENERAL CORP Com 256677105   833,492 7,878 SH   SOLE 0 7,878 0 0
ECOLAB INC Com 278865100   237,668 1,403 SH   SOLE 0 1,403 0 0
EDWARDS LIFESCIENCES CORP Com 28176E108   1,366,756 19,728 SH   SOLE 0 19,728 0 0
EDWARDS LIFESCIENCES CORP Com 28176E108   3,464 50 SH   DFND 0 50 0 0
EMERSON ELECTRIC CO Com 291011104   6,527,263 67,591 SH   SOLE 0 66,801 0 790
EMERSON ELECTRIC CO Com 291011104   147,849 1,531 SH   DFND 0 1,531 0 0
EVERGY INC Com 30034W106   4,508,143 88,918 SH   SOLE 0 88,918 0 0
EVERGY INC Com 30034W106   38,025 750 SH   DFND 0 750 0 0
EXELON CORP Com 30161N101   228,252 6,040 SH   SOLE 0 6,040 0 0
EXXON MOBIL CORP Com 30231G102   3,295,415 28,027 SH   SOLE 0 28,027 0 0
EXXON MOBIL CORP Com 30231G102   91,125 775 SH   DFND 0 775 0 0
META PLATFORMS INC Com 30303M102   334,134 1,113 SH   SOLE 0 1,113 0 0
META PLATFORMS INC Com 30303M102   105,074 350 SH   DFND 0 350 0 0
FEDERATED HERMES INC Com 314211103   9,572,949 282,638 SH   SOLE 0 280,686 0 1,952
FEDERATED HERMES INC Com 314211103   39,628 1,170 SH   DFND 0 1,170 0 0
FIRST TRUST GLOBAL WIND ENERGY ETF Com 33736G106   1,166,344 80,493 SH   SOLE 0 80,100 0 393
FIRST TRUST GLOBAL WIND ENERGY ETF Com 33736G106   17,388 1,200 SH   DFND 0 1,200 0 0
FLEXSHARES STOXX GLOBAL BROAD INFRA ETF Com 33939L795   282,312 5,829 SH   SOLE 0 5,829 0 0
FLEXSHARES QUALITY DIV DEFENSIVE ETF Com 33939L845   377,279 6,975 SH   SOLE 0 6,975 0 0
FLEXSHARES QUALITY DVD ETF Com 33939L860   9,179,380 164,564 SH   SOLE 0 162,814 0 1,750
GENERAL MOTORS CO Com 37045V100   330,162 10,014 SH   SOLE 0 9,806 0 208
GENERAL MOTORS CO Com 37045V100   1,649 50 SH   DFND 0 50 0 0
GSK PLC Com 37733W204   245,376 6,769 SH   SOLE 0 6,769 0 0
GOLDMAN SACHS ACTIVEBETA INTL EQUITY ETF Com 381430107   13,292,479 442,640 SH   SOLE 0 437,044 0 5,596
GOLDMAN SACHS ACTIVEBETA INTL EQUITY ETF Com 381430107   18,048 601 SH   DFND 0 601 0 0
GOLDMAN SACHS ACTIVEBETA US LGE CAP EQ ETF Com 381430503   8,268,438 98,165 SH   SOLE 0 96,215 0 1,950
GOLDMAN SACHS ACTIVEBETA US LGE CAP EQ ETF Com 381430503   10,023 119 SH   DFND 0 119 0 0
JACK HENRY & ASSOCIATES INC Com 426281101   261,472 1,730 SH   SOLE 0 1,730 0 0
HERSHEY COMPANY Com 427866108   435,974 2,179 SH   SOLE 0 2,179 0 0
HOLOGIC INC Com 436440101   641,325 9,241 SH   SOLE 0 9,143 0 98
HOME DEPOT INC Com 437076102   10,949,372 36,237 SH   SOLE 0 35,899 0 338
HOME DEPOT INC Com 437076102   203,958 675 SH   DFND 0 675 0 0
HONEYWELL INTL INC Com 438516106   6,646,391 35,977 SH   SOLE 0 35,863 0 114
HONEYWELL INTL INC Com 438516106   110,844 600 SH   DFND 0 600 0 0
ILLINOIS TOOL WORKS INC Com 452308109   225,473 979 SH   SOLE 0 923 0 56
ILLINOIS TOOL WORKS INC Com 452308109   613,546 2,664 SH   DFND 0 2,664 0 0
INTEL CORP Com 458140100   953,344 26,817 SH   SOLE 0 26,817 0 0
INTEL CORP Com 458140100   271,673 7,642 SH   DFND 0 7,642 0 0
INTERNATIONAL BUSINESS MACHINES CORP Com 459200101   1,291,181 9,203 SH   SOLE 0 9,203 0 0
INTERNATIONAL BUSINESS MACHINES CORP Com 459200101   28,060 200 SH   DFND 0 200 0 0
INVESCO QQQ TRUST SERIES 1 ETF Com 46090E103   448,554 1,252 SH   SOLE 0 1,252 0 0
INVESCO WATER RESOURCES ETF Com 46137V142   899,327 16,911 SH   SOLE 0 16,671 0 240
INVESCO WATER RESOURCES ETF Com 46137V142   26,590 500 SH   DFND 0 500 0 0
INVESCO S&P 500 EQUAL WEIGHT ETF Com 46137V357   207,576 1,465 SH   SOLE 0 1,465 0 0
INVESCO MSCI SUSTAINABLE FUTURE ETF Com 46137V407   564,951 12,758 SH   SOLE 0 12,438 0 320
INVESCO MSCI SUSTAINABLE FUTURE ETF Com 46137V407   18,820 425 SH   DFND 0 425 0 0
INVESCO KBW BANK PORT ETF Com 46138E628   13,706,184 342,056 SH   SOLE 0 339,509 0 2,547
INVESCO KBW BANK PORT ETF Com 46138E628   87,353 2,180 SH   DFND 0 2,180 0 0
INVESCO SOLAR ETF Com 46138G706   1,162,375 22,444 SH   SOLE 0 22,351 0 93
INVESCO SOLAR ETF Com 46138G706   25,895 500 SH   DFND 0 500 0 0
ISHARES SELECT DIVIDEND ETF Com 464287168   899,763 8,359 SH   SOLE 0 8,359 0 0
ISHARES CORE S&P 500 ETF Com 464287200   40,042,200 93,245 SH   SOLE 0 91,570 0 1,675
ISHARES CORE TOT AGGR US BOND ETF Com 464287226   547,219 5,819 SH   SOLE 0 5,819 0 0
ISHARES IBOXX INV GRADE CORP BD ETF Com 464287242   1,052,846 10,320 SH   SOLE 0 10,320 0 0
ISHARES MSCI EAFE INDEX ETF Com 464287465   1,261,856 18,309 SH   SOLE 0 18,309 0 0
ISHARES MSCI EAFE INDEX ETF Com 464287465   69,334 1,006 SH   DFND 0 1,006 0 0
ISHARES RUSSELL MID CAP ETF Com 464287499   217,307 3,138 SH   SOLE 0 3,138 0 0
ISHARES CORE S&P MIDCAP ETF Com 464287507   1,148,007 4,604 SH   SOLE 0 4,604 0 0
ISHARES RUSSELL 1000 VALUE ETF Com 464287598   244,886 1,613 SH   SOLE 0 1,613 0 0
ISHARES RUSSELL 1000 GROWTH ETF Com 464287614   413,880 1,556 SH   SOLE 0 1,556 0 0
ISHARES RUSSELL 2000 ETF Com 464287655   306,290 1,733 SH   SOLE 0 1,733 0 0
ISHARES RUSSELL 3000 ETF Com 464287689   1,583,823 6,463 SH   SOLE 0 6,463 0 0
ISHARES CORE S&P SMALL CAP ETF Com 464287804   657,008 6,965 SH   SOLE 0 6,965 0 0
ISHARES CORE S&P SMALL CAP ETF Com 464287804   17,168 182 SH   DFND 0 182 0 0
ISHARES GLBL TIMBER & FORESTRY ETF Com 464288174   401,410 5,423 SH   SOLE 0 5,354 0 69
ISHARES NATL MUNI BOND ETF Com 464288414   16,900,643 164,820 SH   SOLE 0 162,877 0 1,943
ISHARES NATL MUNI BOND ETF Com 464288414   202,927 1,979 SH   DFND 0 1,979 0 0
ISHARES 5-10 YR INV GRADE CORP BOND ETF Com 464288638   237,607 4,884 SH   SOLE 0 4,884 0 0
ISHARES 1-5 YR INV GRADE CORP BD ETF Com 464288646   306,255 6,146 SH   SOLE 0 6,146 0 0
ISHARES MSCI USA ESG SELECT SOCIAL IDX ETF Com 464288802   1,756,304 19,521 SH   SOLE 0 19,361 0 160
ISHARES MSCI EAFE GROWTH ETF Com 464288885   301,360 3,492 SH   SOLE 0 3,492 0 0
ISHARES MSCI EAFE MIN VOL FACTOR ETF Com 46429B689   7,467,820 114,502 SH   SOLE 0 114,162 0 340
ISHARES MSCI EAFE MIN VOL FACTOR ETF Com 46429B689   10,305 158 SH   DFND 0 158 0 0
ISHARES EDGE MSCI MIN VOL USA ETF Com 46429B697   276,492 3,820 SH   SOLE 0 3,820 0 0
ISHARES EDGE MSCI USA QUAL FACT ETF Com 46432F339   933,073 7,080 SH   SOLE 0 7,080 0 0
ISHARES CORE MSCI EAFE ETF Com 46432F842   36,677,956 569,976 SH   SOLE 0 566,018 0 3,958
ISHARES CORE MSCI EAFE ETF Com 46432F842   189,253 2,941 SH   DFND 0 2,941 0 0
ISHARES U S EQUITY FACTOR ETF Com 46434V282   261,393 6,034 SH   SOLE 0 6,034 0 0
ISHARES MSCI INTL QUAL FACTOR ETF Com 46434V456   10,701,995 318,417 SH   SOLE 0 317,167 0 1,250
ISHARES MSCI INTL QUAL FACTOR ETF Com 46434V456   10,822 322 SH   DFND 0 322 0 0
ISHARES CORE DIVIDEND GROWTH ETF Com 46434V621   51,652,311 1,042,849 SH   SOLE 0 1,033,186 0 9,663
ISHARES CORE DIVIDEND GROWTH ETF Com 46434V621   7,430 150 SH   DFND 0 150 0 0
JP MORGAN CHASE & CO Com 46625H100   13,714,396 94,569 SH   SOLE 0 94,061 0 508
JP MORGAN CHASE & CO Com 46625H100   70,335 485 SH   DFND 0 485 0 0
JPMORGAN US QUALITY FACTOR ETF Com 46641Q761   5,667,807 130,987 SH   SOLE 0 127,053 0 3,934
JOHNSON & JOHNSON CO Com 478160104   8,439,470 54,186 SH   SOLE 0 53,311 0 875
JOHNSON & JOHNSON CO Com 478160104   397,630 2,553 SH   DFND 0 2,553 0 0
KELLANOVA Com 487836108   250,716 4,213 SH   SOLE 0 4,213 0 0
KEYCORP NEW Com 493267108   275,413 25,596 SH   SOLE 0 25,316 0 280
KIMBERLY-CLARK CORP Com 494368103   1,199,074 9,922 SH   SOLE 0 9,922 0 0
KIMBERLY-CLARK CORP Com 494368103   145,020 1,200 SH   DFND 0 1,200 0 0
KROGER CO Com 501044101   13,967,191 312,116 SH   SOLE 0 309,754 0 2,362
KROGER CO Com 501044101   16,602 371 SH   DFND 0 371 0 0
ELI LILLY & CO Com 532457108   1,778,975 3,312 SH   SOLE 0 3,312 0 0
ELI LILLY & CO Com 532457108   356,654 664 SH   DFND 0 664 0 0
LINCOLN ELECTRIC HOLDINGS Com 533900106   7,969,128 43,837 SH   SOLE 0 43,265 0 572
LOWES COMPANIES INC Com 548661107   8,524,765 41,016 SH   SOLE 0 40,916 0 100
MARSH & MCLENNAN CO INC Com 571748102   311,141 1,635 SH   SOLE 0 1,635 0 0
MASTERCARD INC CL A Com 57636Q104   1,886,115 4,764 SH   SOLE 0 4,425 0 339
MASTERCARD INC CL A Com 57636Q104   39,591 100 SH   DFND 0 100 0 0
MCDONALDS CORP Com 580135101   776,094 2,946 SH   SOLE 0 2,946 0 0
MCDONALDS CORP Com 580135101   217,865 827 SH   DFND 0 827 0 0
MERCK & CO INC Com 58933Y105   14,951,531 145,231 SH   SOLE 0 144,572 0 659
MERCK & CO INC Com 58933Y105   190,458 1,850 SH   DFND 0 1,850 0 0
METLIFE INC Com 59156R108   5,062,556 80,473 SH   SOLE 0 80,273 0 200
METLIFE INC Com 59156R108   52,907 841 SH   DFND 0 841 0 0
MICROSOFT CORP Com 594918104   41,415,349 131,165 SH   SOLE 0 130,074 0 1,091
MICROSOFT CORP Com 594918104   1,128,175 3,573 SH   DFND 0 3,573 0 0
MONDELEZ INTERNATIONAL INC A Com 609207105   13,566,312 195,480 SH   SOLE 0 194,126 0 1,354
MONDELEZ INTERNATIONAL INC A Com 609207105   55,520 800 SH   DFND 0 800 0 0
MORGAN STANLEY Com 617446448   387,197 4,741 SH   SOLE 0 4,741 0 0
NEXTERA ENERGY INC Com 65339F101   2,712,567 47,348 SH   SOLE 0 47,348 0 0
NIKE INC CLASS B Com 654106103   1,695,247 17,729 SH   SOLE 0 17,729 0 0
NIKE INC CLASS B Com 654106103   9,562 100 SH   DFND 0 100 0 0
NOVO-NORDISK A/S SPONS ADR Com 670100205   104,399 1,148 SH   SOLE 0 1,148 0 0
NOVO-NORDISK A/S SPONS ADR Com 670100205   254,632 2,800 SH   DFND 0 2,800 0 0
NVIDIA CORP Com 67066G104   799,512 1,838 SH   SOLE 0 1,838 0 0
ORACLE CORPORATION Com 68389X105   12,095,217 114,192 SH   SOLE 0 113,754 0 438
ORACLE CORPORATION Com 68389X105   33,153 313 SH   DFND 0 313 0 0
PNC FINANCIAL SERVICES GROUP Com 693475105   316,378 2,577 SH   SOLE 0 2,577 0 0
PNC FINANCIAL SERVICES GROUP Com 693475105   7,612 62 SH   DFND 0 62 0 0
PPG INDUSTRIES Com 693506107   265,052 2,042 SH   SOLE 0 2,042 0 0
PPG INDUSTRIES Com 693506107   37,512 289 SH   DFND 0 289 0 0
PPL CORP Com 69351T106   283,898 12,050 SH   SOLE 0 12,050 0 0
PAYCHEX INC Com 704326107   235,273 2,040 SH   SOLE 0 2,040 0 0
PEPSICO INC Com 713448108   3,196,486 18,865 SH   SOLE 0 18,865 0 0
PEPSICO INC Com 713448108   568,471 3,355 SH   DFND 0 3,355 0 0
PFIZER INC Com 717081103   11,545,615 348,074 SH   SOLE 0 345,576 0 2,498
PFIZER INC Com 717081103   543,723 16,392 SH   DFND 0 16,392 0 0
PHILIP MORRIS INTERNATIONAL INC Com 718172109   340,787 3,681 SH   SOLE 0 3,681 0 0
PROCTER & GAMBLE CO Com 742718109   11,576,471 79,367 SH   SOLE 0 78,417 0 950
PROCTER & GAMBLE CO Com 742718109   449,249 3,080 SH   DFND 0 3,080 0 0
PUBLIC SERVICE ENTERPRISE GROUP Com 744573106   264,005 4,639 SH   SOLE 0 4,639 0 0
RTX CORPORATION Com 75513E101   1,304,672 18,128 SH   SOLE 0 18,128 0 0
RTX CORPORATION Com 75513E101   21,591 300 SH   DFND 0 300 0 0
REGENERON PHARMACEUTICALS INC Com 75886F107   6,281,654 7,633 SH   SOLE 0 7,512 0 121
REPLIGEN CORP Com 759916109   3,328,556 20,933 SH   SOLE 0 20,933 0 0
ROPER TECHNOLOGIES, INC Com 776696106   503,651 1,040 SH   SOLE 0 1,040 0 0
SHELL PLC ADR Com 780259305   164,040 2,548 SH   SOLE 0 2,548 0 0
SHELL PLC ADR Com 780259305   254,623 3,955 SH   DFND 0 3,955 0 0
S&P GLOBAL INC Com 78409V104   273,692 749 SH   SOLE 0 749 0 0
SPDR S&P500 ETF Com 78462F103   4,028,144 9,423 SH   SOLE 0 9,423 0 0
SPDR GOLD SHARES ETF Com 78463V107   398,793 2,326 SH   SOLE 0 2,326 0 0
SPDR S&P DIVIDEND ETF Com 78464A763   2,128,490 18,507 SH   SOLE 0 18,507 0 0
SPDR S&P MIDCAP 400 ETF Com 78467Y107   452,530 991 SH   SOLE 0 991 0 0
SANOFI ADR Com 80105N105   2,336,988 43,568 SH   SOLE 0 43,568 0 0
SANOFI ADR Com 80105N105   35,992 671 SH   DFND 0 671 0 0
CHARLES SCHWAB CORP Com 808513105   236,070 4,300 SH   SOLE 0 4,300 0 0
SCHWAB US DIVIDEND EQUITY ETF Com 808524797   7,820,678 110,524 SH   SOLE 0 110,224 0 300
SPDR HEALTH CARE SEL SECT ETF Com 81369Y209   1,071,503 8,323 SH   SOLE 0 8,323 0 0
SPDR CONSUMER STAPLES SELECT SECTOR ETF Com 81369Y308   2,590,421 37,646 SH   SOLE 0 37,356 0 290
SPDR CONSUMER STAPLES SELECT SECTOR ETF Com 81369Y308   13,762 200 SH   DFND 0 200 0 0
SPDR CONSUMER DISC SELECT SECTOR ETF Com 81369Y407   1,615,112 10,033 SH   SOLE 0 10,033 0 0
SPDR CONSUMER DISC SELECT SECTOR ETF Com 81369Y407   32,196 200 SH   DFND 0 200 0 0
SPDR FINANCIAL SELECT SECTOR ETF Com 81369Y605   6,322,766 190,617 SH   SOLE 0 189,967 0 650
SPDR FINANCIAL SELECT SECTOR ETF Com 81369Y605   3,317 100 SH   DFND 0 100 0 0
SPDR INDUSTRIAL SELECT SECTOR ETF Com 81369Y704   547,756 5,403 SH   SOLE 0 5,403 0 0
SPDR TECHNOLOGY SELECT SECTOR ETF Com 81369Y803   3,377,122 20,601 SH   SOLE 0 20,601 0 0
STARBUCKS CORP Com 855244109   6,204,261 67,977 SH   SOLE 0 67,539 0 438
STARBUCKS CORP Com 855244109   36,508 400 SH   DFND 0 400 0 0
STRYKER CORP Com 863667101   472,484 1,729 SH   SOLE 0 1,729 0 0
TJX COMPANIES INC Com 872540109   10,233,465 115,138 SH   SOLE 0 112,722 0 2,416
TJX COMPANIES INC Com 872540109   16,887 190 SH   DFND 0 190 0 0
TARGET CORP Com 87612E106   4,383,769 39,647 SH   SOLE 0 39,461 0 186
TARGET CORP Com 87612E106   18,465 167 SH   DFND 0 167 0 0
TETRA TECH INC Com 88162G103   666,347 4,383 SH   SOLE 0 4,383 0 0
TEXAS INSTRUMENTS INC Com 882508104   1,177,310 7,404 SH   SOLE 0 7,404 0 0
TEXAS INSTRUMENTS INC Com 882508104   138,339 870 SH   DFND 0 870 0 0
THERMO FISHER SCIENTIFIC Com 883556102   1,470,424 2,905 SH   SOLE 0 2,905 0 0
THERMO FISHER SCIENTIFIC Com 883556102   21,765 43 SH   DFND 0 43 0 0
3M CO Com 88579Y101   788,655 8,424 SH   SOLE 0 8,424 0 0
3M CO Com 88579Y101   14,043 150 SH   DFND 0 150 0 0
TOTALENERGIES SE SPON ADR Com 89151E109   13,943,553 212,037 SH   SOLE 0 210,618 0 1,419
TOTALENERGIES SE SPON ADR Com 89151E109   78,583 1,195 SH   DFND 0 1,195 0 0
TRAVELERS COS INC Com 89417E109   351,443 2,152 SH   SOLE 0 2,152 0 0
UNION PACIFIC CORP Com 907818108   882,940 4,336 SH   SOLE 0 4,336 0 0
UNION PACIFIC CORP Com 907818108   183,267 900 SH   DFND 0 900 0 0
UNITED PARCEL SERVICE INC Com 911312106   332,627 2,134 SH   SOLE 0 2,134 0 0
UNITED PARCEL SERVICE INC Com 911312106   109,109 700 SH   DFND 0 700 0 0
UNITEDHEALTH GROUP INC Com 91324P102   8,230,902 16,325 SH   SOLE 0 16,127 0 198
VANGUARD DIVIDEND APPREC ETF Com 921908844   7,352,582 47,320 SH   SOLE 0 47,320 0 0
VANGUARD ESG INTL STOCK ETF Com 921910725   2,816,923 55,847 SH   SOLE 0 55,275 0 572
VANGUARD FTSE DEV MKT ETF Com 921943858   403,492 9,229 SH   SOLE 0 9,229 0 0
VANGUARD HIGH DIVIDEND YIELD ETF Com 921946406   528,482 5,115 SH   SOLE 0 5,115 0 0
VANGUARD SHORT TERM TIPS ETF Com 922020805   1,208,430 25,559 SH   SOLE 0 25,559 0 0
VANGUARD FTSE PACIFIC ETF Com 922042866   5,959,811 89,112 SH   SOLE 0 88,525 0 587
VANGUARD FTSE EUROPE ETF Com 922042874   7,379,239 127,382 SH   SOLE 0 126,276 0 1,106
VANGUARD HEALTH CARE ETF Com 92204A504   305,160 1,298 SH   SOLE 0 1,298 0 0
VANGUARD INDUSTRIALS ETF Com 92204A603   7,585,697 38,905 SH   SOLE 0 38,502 0 403
VANGUARD INDUSTRIALS ETF Com 92204A603   12,479 64 SH   DFND 0 64 0 0
VANGUARD INFO TECH ETF Com 92204A702   418,634 1,009 SH   SOLE 0 1,009 0 0
VANGUARD S&P 500 ETF Com 922908363   391,129 996 SH   SOLE 0 996 0 0
VANGUARD MID CAP VALUE ETF Com 922908512   14,074,271 107,470 SH   SOLE 0 106,720 0 750
VANGUARD MID CAP VALUE ETF Com 922908512   96,648 738 SH   DFND 0 738 0 0
VANGUARD MID CAP GROWTH ETF Com 922908538   416,418 2,138 SH   SOLE 0 2,138 0 0
VANGUARD MID CAP GROWTH ETF Com 922908538   74,986 385 SH   DFND 0 385 0 0
VANGUARD REIT INDEX ETF Com 922908553   270,409 3,574 SH   SOLE 0 3,574 0 0
VANGUARD REIT INDEX ETF Com 922908553   26,481 350 SH   DFND 0 350 0 0
VANGUARD LARGE CAP ETF Com 922908637   9,029,528 46,142 SH   SOLE 0 46,142 0 0
VANGUARD GROWTH ETF Com 922908736   320,509 1,177 SH   SOLE 0 1,177 0 0
VANGUARD TOTAL STOCK MKT ETF Com 922908769   3,752,010 17,664 SH   SOLE 0 17,664 0 0
VERIZON COMMUNICATIONS Com 92343V104   372,196 11,484 SH   SOLE 0 11,484 0 0
VERIZON COMMUNICATIONS Com 92343V104   210,924 6,508 SH   DFND 0 6,508 0 0
VISA INC Com 92826C839   10,673,844 46,406 SH   SOLE 0 46,246 0 160
VISA INC Com 92826C839   177,568 772 SH   DFND 0 772 0 0
WALMART STORES INC Com 931142103   2,311,308 14,452 SH   SOLE 0 14,252 0 200
WALMART STORES INC Com 931142103   242,774 1,518 SH   DFND 0 1,518 0 0
WASTE MANAGEMENT Com 94106L109   339,027 2,224 SH   SOLE 0 2,224 0 0
WATTS WATER TECHNOLOGIES Com 942749102   835,066 4,832 SH   SOLE 0 4,742 0 90
YUM BRANDS INC Com 988498101   145,555 1,165 SH   SOLE 0 1,165 0 0
YUM BRANDS INC Com 988498101   87,458 700 SH   DFND 0 700 0 0
ACCENTURE PLC Com G1151C101   8,466,408 27,568 SH   SOLE 0 27,259 0 309
ACCENTURE PLC Com G1151C101   12,284 40 SH   DFND 0 40 0 0
EATON CORP PLC Com G29183103   10,526,221 49,354 SH   SOLE 0 49,109 0 245
EATON CORP PLC Com G29183103   178,515 837 SH   DFND 0 837 0 0
JOHNSON CONTROLS INTERNATIONAL PLC Com G51502105   3,403,418 63,962 SH   SOLE 0 63,564 0 398
LINDE PLC Com G54950103   584,962 1,571 SH   SOLE 0 1,571 0 0
LINDE PLC Com G54950103   83,779 225 SH   DFND 0 225 0 0
MEDTRONIC PLC Com G5960L103   5,236,172 66,822 SH   SOLE 0 66,429 0 393
TRANE TECHNOLOGIES PLC Com G8994E103   390,602 1,925 SH   SOLE 0 1,925 0 0
TRANE TECHNOLOGIES PLC Com G8994E103   831,119 4,096 SH   DFND 0 4,096 0 0