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
EATON CORP PLC COMMON STOCK G29183103 540 3,560 SH   SOLE   1,560 0 2,000
EATON CORP PLC COMMON STOCK G29183103 12 80 SH   DFND   80 0 0
JOHNSON CONTROLS INTERNATIONAL PLC COMMON STOCK G51502105 298 4,545 SH   SOLE   3,471 0 1,074
JOHNSON CONTROLS INTERNATIONAL PLC COMMON STOCK G51502105 37 566 SH   DFND   519 0 47
MEDTRONIC PLC FOREIGN EQUITIES G5960L103 972 8,763 SH   SOLE   6,542 0 2,221
MEDTRONIC PLC FOREIGN EQUITIES G5960L103 306 2,756 SH   DFND   2,638 0 118
TE CONNECTIVITY LTD COMMON STOCK H84989104 926 7,069 SH   SOLE   4,745 0 2,324
TE CONNECTIVITY LTD COMMON STOCK H84989104 327 2,495 SH   DFND   2,370 0 125
A T & T INC COMMON STOCK 00206R102 1,089 46,096 SH   SOLE   46,096 0 0
A T & T INC COMMON STOCK 00206R102 220 9,312 SH   DFND   7,352 0 1,960
ABBOTT LABS COM COMMON STOCK 002824100 1,426 12,051 SH   SOLE   9,051 0 3,000
ABBOTT LABS COM COMMON STOCK 002824100 95 799 SH   DFND   799 0 0
ABBVIE INC COMMON STOCK 00287Y109 2,491 15,366 SH   SOLE   12,366 0 3,000
ABBVIE INC COMMON STOCK 00287Y109 130 799 SH   DFND   799 0 0
AGILENT TECHNOLOGIES INC COMMON STOCK 00846U101 192 1,451 SH   SOLE   1,451 0 0
AGILENT TECHNOLOGIES INC COMMON STOCK 00846U101 10 76 SH   DFND   76 0 0
ALPHABET INC - CLASS C COMMON STOCK 02079K107 1,871 670 SH   SOLE   670 0 0
ALPHABET INC - CLASS A COMMON STOCK 02079K305 2,317 833 SH   SOLE   763 0 70
ALPHABET INC - CLASS A COMMON STOCK 02079K305 295 106 SH   DFND   14 0 92
ALTRIA GROUP INC COM COMMON STOCK 02209S103 677 12,953 SH   SOLE   10,953 0 2,000
ALTRIA GROUP INC COM COMMON STOCK 02209S103 221 4,222 SH   DFND   450 0 3,772
AMAZON COM INC. COMMON STOCK 023135106 743 228 SH   SOLE   228 0 0
AMAZON COM INC. COMMON STOCK 023135106 65 20 SH   DFND   9 0 11
AMERICAN ELEC PWR INC COM COMMON STOCK 025537101 220 2,202 SH   SOLE   2,202 0 0
AMERICAN ELEC PWR INC COM COMMON STOCK 025537101 30 300 SH   DFND   0 0 300
AMETEK INC NEW COM COMMON STOCK 031100100 324 2,430 SH   DFND   2,430 0 0
AMGEN INC COM COMMON STOCK 031162100 347 1,436 SH   SOLE   1,436 0 0
AMGEN INC COM COMMON STOCK 031162100 107 444 SH   DFND   0 0 444
APPLE INC COMMON STOCK 037833100 21,111 120,903 SH   SOLE   105,063 0 15,840
APPLE INC COMMON STOCK 037833100 7,923 45,375 SH   DFND   33,595 0 11,780
AUTOMATIC DATA PROCESSING INCOM COMMON STOCK 053015103 614 2,700 SH   SOLE   2,700 0 0
AUTOMATIC DATA PROCESSING INCOM COMMON STOCK 053015103 319 1,400 SH   DFND   1,400 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104 1,175 28,518 SH   SOLE   22,994 0 5,524
BANK OF AMERICA CORP COMMON STOCK 060505104 573 13,908 SH   DFND   12,776 0 1,132
BANK NEW YORK MELLON CORP COMMON STOCK 064058100 282 5,683 SH   SOLE   5,683 0 0
BANK NEW YORK MELLON CORP COMMON STOCK 064058100 94 1,900 SH   DFND   1,600 0 300
BAXTER INTL INC COM COMMON STOCK 071813109 2,066 26,649 SH   SOLE   22,421 0 4,228
BAXTER INTL INC COM COMMON STOCK 071813109 167 2,150 SH   DFND   200 0 1,950
BERKSHIRE HATHAWAY INC. DELWARE CL COMMON STOCK 084670108 1,058 2 SH   SOLE   2 0 0
BERKSHIRE HATHAWAY INC DEL COMMON STOCK 084670702 912 2,585 SH   SOLE   2,585 0 0
BLACKROCK SBI MUTUAL FUNDS - FIXED INCOME 09249E101 1,104 84,899 SH   SOLE   83,831 0 1,068
BLACKROCK SBI MUTUAL FUNDS - FIXED INCOME 09249E101 73 5,617 SH   DFND   936 0 4,681
BOEING CO COM COMMON STOCK 097023105 218 1,140 SH   SOLE   1,140 0 0
BOEING CO COM COMMON STOCK 097023105 29 150 SH   DFND   0 0 150
BRISTOL MYERS SQUIBB CO COM COMMON STOCK 110122108 2,076 28,433 SH   SOLE   26,205 0 2,228
BRISTOL MYERS SQUIBB CO COM COMMON STOCK 110122108 248 3,400 SH   DFND   2,800 0 600
CIGNA CORP NEW COMMON STOCK 125523100 418 1,743 SH   SOLE   1,743 0 0
CIGNA CORP NEW COMMON STOCK 125523100 2 9 SH   DFND   9 0 0
CVS HEALTH CORPORATION COMMON STOCK 126650100 492 4,860 SH   SOLE   2,860 0 2,000
CVS HEALTH CORPORATION COMMON STOCK 126650100 479 4,735 SH   DFND   4,735 0 0
CATERPILLAR INC COM COMMON STOCK 149123101 611 2,742 SH   SOLE   2,742 0 0
CATERPILLAR INC COM COMMON STOCK 149123101 1,540 6,910 SH   DFND   4,300 0 2,610
CHEVRON CORPORATION COMMON STOCK 166764100 4,261 26,166 SH   SOLE   25,194 0 972
CHEVRON CORPORATION COMMON STOCK 166764100 853 5,241 SH   DFND   4,256 0 985
CISCO SYS INC COM COMMON STOCK 17275R102 477 8,563 SH   SOLE   8,563 0 0
COCA COLA CO COM COMMON STOCK 191216100 709 11,430 SH   SOLE   11,430 0 0
COCA COLA CO COM COMMON STOCK 191216100 77 1,240 SH   DFND   800 0 440
COLGATE PALMOLIVE CO COM COMMON STOCK 194162103 364 4,794 SH   SOLE   4,794 0 0
COMCAST CORP CLASS A COMMON STOCK 20030N101 814 17,388 SH   SOLE   17,388 0 0
CONOCOPHILLIPS COM COMMON STOCK 20825C104 1,532 15,315 SH   SOLE   14,011 0 1,304
CONOCOPHILLIPS COM COMMON STOCK 20825C104 58 580 SH   DFND   0 0 580
CONSTELLATION BRANDS INC COMMON STOCK 21036P108 210 913 SH   SOLE   913 0 0
CORNING INC COM COMMON STOCK 219350105 1,721 46,628 SH   SOLE   35,095 0 11,533
CORNING INC COM COMMON STOCK 219350105 338 9,150 SH   DFND   8,350 0 800
CORTEVA INC COMMON STOCK 22052L104 659 11,467 SH   SOLE   10,165 0 1,302
CORTEVA INC COMMON STOCK 22052L104 67 1,162 SH   DFND   0 0 1,162
COSTCO WHOLESALE CORP COMMON STOCK 22160K105 234 407 SH   SOLE   407 0 0
DEERE & CO COM COMMON STOCK 244199105 746 1,795 SH   SOLE   1,795 0 0
DEERE & CO COM COMMON STOCK 244199105 33 80 SH   DFND   80 0 0
DISNEY (WALT) COMPANY HOLDING CO COMMON STOCK 254687106 2,284 16,650 SH   SOLE   13,700 0 2,950
DISNEY (WALT) COMPANY HOLDING CO COMMON STOCK 254687106 115 840 SH   DFND   440 0 400
DOMINION ENERGY INC NPV COMMON STOCK 25746U109 558 6,566 SH   SOLE   6,566 0 0
DOMINION ENERGY INC NPV COMMON STOCK 25746U109 17 200 SH   DFND   200 0 0
DOW INC COMMON STOCK 260557103 788 12,373 SH   SOLE   11,071 0 1,302
DOW INC COMMON STOCK 260557103 74 1,162 SH   DFND   0 0 1,162
DUKE ENERGY CORP NEW COMMON STOCK 26441C204 905 8,108 SH   SOLE   8,108 0 0
DUKE ENERGY CORP NEW COMMON STOCK 26441C204 127 1,139 SH   DFND   806 0 333
DUPONT DE NEMOURS INC. COMMON STOCK 26614N102 923 12,550 SH   SOLE   11,248 0 1,302
DUPONT DE NEMOURS INC. COMMON STOCK 26614N102 89 1,215 SH   DFND   53 0 1,162
EMERSON ELEC CO COM COMMON STOCK 291011104 1,569 16,005 SH   SOLE   11,005 0 5,000
EMERSON ELEC CO COM COMMON STOCK 291011104 435 4,435 SH   DFND   3,135 0 1,300
ESSENTIAL UTILITIES INC COMMON STOCK 29670G102 5,597 109,467 SH   SOLE   94,669 0 14,798
ESSENTIAL UTILITIES INC COMMON STOCK 29670G102 967 18,920 SH   DFND   11,428 0 7,492
EXELON CORP COMMON STOCK 30161N101 452 9,485 SH   SOLE   9,485 0 0
EXXON MOBIL CORP COM COMMON STOCK 30231G102 3,769 45,641 SH   SOLE   41,100 0 4,541
EXXON MOBIL CORP COM COMMON STOCK 30231G102 1,031 12,487 SH   DFND   7,970 0 4,517
FIRST TST SHS ETF ETF - EQUITY LARGE CAP 33734H106 229 5,414 SH   SOLE   5,414 0 0
FISERV INC COM COMMON STOCK 337738108 434 4,280 SH   SOLE   4,280 0 0
GENERAL ELECTRIC CO. COMMON STOCK 369604301 1,028 11,237 SH   SOLE   10,161 0 1,076
GENERAL ELECTRIC CO. COMMON STOCK 369604301 317 3,469 SH   DFND   2,141 0 1,328
GENERAL MLS INC COM COMMON STOCK 370334104 138 2,039 SH   SOLE   2,039 0 0
GENERAL MLS INC COM COMMON STOCK 370334104 205 3,020 SH   DFND   2,920 0 100
H P INC COMMON STOCK 40434L105 670 18,475 SH   SOLE   16,475 0 2,000
H P INC COMMON STOCK 40434L105 127 3,500 SH   DFND   3,500 0 0
THE HERSHEY COMPANY COM COMMON STOCK 427866108 337 1,557 SH   SOLE   1,557 0 0
HEWLETT PACKARD ENTERPRISE CO COMMON STOCK 42824C109 309 18,474 SH   SOLE   16,474 0 2,000
HEWLETT PACKARD ENTERPRISE CO COMMON STOCK 42824C109 58 3,500 SH   DFND   3,500 0 0
HOME DEPOT INC COM COMMON STOCK 437076102 8,595 28,715 SH   SOLE   24,424 0 4,291
HOME DEPOT INC COM COMMON STOCK 437076102 828 2,765 SH   DFND   2,215 0 550
HONEYWELL INTL INC COM COMMON STOCK 438516106 4,230 21,739 SH   SOLE   18,511 0 3,228
HONEYWELL INTL INC COM COMMON STOCK 438516106 1,104 5,673 SH   DFND   2,835 0 2,838
ILLINOIS TOOL WKS INC COM COMMON STOCK 452308109 447 2,134 SH   SOLE   2,134 0 0
INTEL CORP COM COMMON STOCK 458140100 1,973 39,803 SH   SOLE   35,115 0 4,688
INTEL CORP COM COMMON STOCK 458140100 407 8,215 SH   DFND   3,415 0 4,800
INTERNATIONAL BUSINESS MACHSCOM COMMON STOCK 459200101 847 6,512 SH   SOLE   5,912 0 600
INTERNATIONAL BUSINESS MACHSCOM COMMON STOCK 459200101 240 1,843 SH   DFND   1,030 0 813
INVESCO WATER RESOURCES ETF ETF - EQUITY SMALL CAP 46137V142 7,693 145,089 SH   SOLE   122,628 0 22,461
INVESCO WATER RESOURCES ETF ETF - EQUITY SMALL CAP 46137V142 595 11,224 SH   DFND   4,025 0 7,199
INVESCO PREFERRED ETF ETF - FIXED INCOME 46138E511 9,203 678,224 SH   SOLE   654,071 0 24,153
INVESCO PREFERRED ETF ETF - FIXED INCOME 46138E511 507 37,345 SH   DFND   16,848 0 20,497
I SHARES CORE S & P TOTAL U S STOCK MARKET ETF - EQUITY LARGE CAP 464287150 2,177 21,570 SH   SOLE   21,570 0 0
I SHARES SELECT DIVIDEND ETF ETF - EQUITY LARGE CAP 464287168 23,359 182,309 SH   SOLE   167,379 0 14,930
I SHARES SELECT DIVIDEND ETF ETF - EQUITY LARGE CAP 464287168 1,955 15,258 SH   DFND   12,459 0 2,799
I SHRS TIPS BOND ETF ETF - FIXED INCOME 464287176 11,775 94,530 SH   SOLE   89,734 0 4,796
I SHRS TIPS BOND ETF ETF - FIXED INCOME 464287176 709 5,691 SH   DFND   2,240 0 3,451
I SHARES CORE S & P 500 ETF ETF - EQUITY LARGE CAP 464287200 504 1,111 SH   SOLE   1,111 0 0
ISHARES S & P GROWTH ETF ETF - EQUITY LARGE CAP 464287309 1,547 20,249 SH   SOLE   14,249 0 6,000
ISHARES S & P GROWTH ETF ETF - EQUITY LARGE CAP 464287309 3 34 SH   DFND   34 0 0
I SHARES S & P 500 VALUE ETF ETF - EQUITY LARGE CAP 464287408 536 3,445 SH   SOLE   3,445 0 0
I SHARES MSCI EAFE ETF ETF - FOREIGN EQUITY 464287465 414 5,627 SH   SOLE   5,627 0 0
I SHARES RUSSELL MID-CAP ETF ETF - EQUITY MID CAP 464287499 477 6,114 SH   SOLE   6,114 0 0
I SHARES S & P MIDCAP 400 GROWTH ETF ETF - EQUITY MID CAP 464287606 301 3,890 SH   SOLE   3,890 0 0
I SHARES RUSSELL 1000 GROWTH ETF ETF - EQUITY SMALL CAP 464287614 206 741 SH   SOLE   741 0 0
I SHARES S & P MID CAP 400 VALUE ETF ETF - EQUITY MID CAP 464287705 290 2,645 SH   SOLE   2,645 0 0
I SHARES CORE S & P SMALL CAP ETF ETF - EQUITY SMALL CAP 464287804 256 2,370 SH   SOLE   2,370 0 0
I SHRS MOMENTUM ETF - EQUITY LARGE CAP 46432F396 804 4,780 SH   SOLE   4,780 0 0
I SHARES MSCI EAFE CORE ETF - FOREIGN EQUITY 46432F842 18,675 268,675 SH   SOLE   221,298 52 47,325
I SHARES MSCI EAFE CORE ETF - FOREIGN EQUITY 46432F842 1,413 20,334 SH   DFND   13,514 0 6,820
I SHRS CONVERTIBLE BOND ETF ETF - FIXED INCOME 46435G102 202 2,420 SH   SOLE   2,420 0 0
I SHRS CONVERTIBLE BOND ETF ETF - FIXED INCOME 46435G102 31 375 SH   DFND   375 0 0
J P MORGAN CHASE & CO COMMON STOCK 46625H100 1,151 8,445 SH   SOLE   8,445 0 0
J P MORGAN CHASE & CO COMMON STOCK 46625H100 9 65 SH   DFND   0 0 65
JOHNSON & JOHNSON COM COMMON STOCK 478160104 6,666 37,612 SH   SOLE   35,884 0 1,728
JOHNSON & JOHNSON COM COMMON STOCK 478160104 1,564 8,825 SH   DFND   5,050 0 3,775
KIMBERLY-CLARK CORP COM COMMON STOCK 494368103 2,902 23,560 SH   SOLE   21,389 0 2,171
KIMBERLY-CLARK CORP COM COMMON STOCK 494368103 356 2,890 SH   DFND   2,570 0 320
L3HARRIS TECHNOLOGIES INC COMMON STOCK 502431109 364 1,464 SH   SOLE   1,464 0 0
ELI LILLY & CO COM COMMON STOCK 532457108 926 3,234 SH   SOLE   3,234 0 0
ELI LILLY & CO COM COMMON STOCK 532457108 229 800 SH   DFND   0 0 800
LOCKHEED MARTIN CORP COM COMMON STOCK 539830109 1,233 2,793 SH   SOLE   2,793 0 0
LOCKHEED MARTIN CORP COM COMMON STOCK 539830109 99 225 SH   DFND   75 0 150
LOWES COS INC COM COMMON STOCK 548661107 307 1,517 SH   SOLE   1,517 0 0
MANULIFE FINANCIAL FOREIGN EQUITIES 56501R106 220 10,306 SH   SOLE   10,306 0 0
MANULIFE FINANCIAL FOREIGN EQUITIES 56501R106 13 586 SH   DFND   586 0 0
MCDONALDS CORP COM COMMON STOCK 580135101 2,902 11,735 SH   SOLE   9,735 0 2,000
MCDONALDS CORP COM COMMON STOCK 580135101 476 1,925 SH   DFND   1,005 0 920
MCKESSON CORP USD COMMON STOCK 58155Q103 234 763 SH   SOLE   763 0 0
MERCK & CO INC NEW COMMON STOCK 58933Y105 2,947 35,919 SH   SOLE   31,805 0 4,114
MERCK & CO INC NEW COMMON STOCK 58933Y105 397 4,837 SH   DFND   2,780 0 2,057
MICROSOFT CORP COM COMMON STOCK 594918104 12,947 41,995 SH   SOLE   38,315 0 3,680
MICROSOFT CORP COM COMMON STOCK 594918104 2,522 8,180 SH   DFND   2,440 0 5,740
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 531 8,457 SH   SOLE   7,073 0 1,384
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 123 1,952 SH   DFND   103 0 1,849
MOODYS CORP COMMON STOCK 615369105 202 600 SH   DFND   600 0 0
NEXTERA ENERGY INC COM COMMON STOCK 65339F101 2,337 27,594 SH   SOLE   27,594 0 0
NEXTERA ENERGY INC COM COMMON STOCK 65339F101 369 4,360 SH   DFND   4,360 0 0
NUVEEN SELECT TAX-FREE INCOME PORTFOLIO MUTUAL FUNDS-NON TAX 67062F100 133 9,200 SH   SOLE   9,200 0 0
NUVEEN SELECT TAX-FREE INCOME PORTFOLIO MUTUAL FUNDS-NON TAX 67062F100 207 14,350 SH   DFND   5,250 0 9,100
NVIDIA CORPORATION COMMON STOCK 67066G104 1,252 4,589 SH   SOLE   4,589 0 0
NUVEEN CREDIT STRATEGIES INCOME FUND PREFERRED STOCK 67073D102 785 126,958 SH   SOLE   114,056 0 12,902
NUVEEN CREDIT STRATEGIES INCOME FUND PREFERRED STOCK 67073D102 74 12,015 SH   DFND   7,700 0 4,315
ONEOK INC NEW COMMON COMMON STOCK 682680103 205 2,904 SH   SOLE   2,904 0 0
ORACLE CORP COM COMMON STOCK 68389X105 145 1,750 SH   SOLE   1,750 0 0
ORACLE CORP COM COMMON STOCK 68389X105 414 5,000 SH   DFND   5,000 0 0
PNC FINL SVCS GROUP INC COM COMMON STOCK 693475105 1,743 9,451 SH   SOLE   8,480 0 971
PNC FINL SVCS GROUP INC COM COMMON STOCK 693475105 304 1,650 SH   DFND   550 0 1,100
PPG INDS INC COM COMMON STOCK 693506107 327 2,495 SH   SOLE   2,495 0 0
PPL CORP COMMON COMMON STOCK 69351T106 478 16,753 SH   SOLE   16,753 0 0
PPL CORP COMMON COMMON STOCK 69351T106 84 2,930 SH   DFND   830 0 2,100
PEPSICO INC COM COMMON STOCK 713448108 7,590 45,347 SH   SOLE   41,373 0 3,974
PEPSICO INC COM COMMON STOCK 713448108 738 4,408 SH   DFND   1,780 0 2,628
PFIZER INC COM COMMON STOCK 717081103 3,052 58,957 SH   SOLE   54,229 0 4,728
PFIZER INC COM COMMON STOCK 717081103 483 9,338 SH   DFND   7,320 0 2,018
PHILLIP MORRIS INTERNATIONALINC COMMON STOCK 718172109 1,034 11,008 SH   SOLE   9,008 0 2,000
PHILLIP MORRIS INTERNATIONALINC COMMON STOCK 718172109 349 3,711 SH   DFND   389 0 3,322
PHILLIPS 66 COMMON STOCK 718546104 730 8,448 SH   SOLE   7,796 0 652
PHILLIPS 66 COMMON STOCK 718546104 29 340 SH   DFND   50 0 290
PROCTER AND GAMBLE CO COM COMMON STOCK 742718109 5,117 33,490 SH   SOLE   29,702 0 3,788
PROCTER AND GAMBLE CO COM COMMON STOCK 742718109 1,274 8,337 SH   DFND   5,615 0 2,722
PROSHARES ULTRA S & P 500 EFT ETF - EQUITY LARGE CAP 74347R107 529 8,060 SH   SOLE   8,060 0 0
PUBLIC SVC ENTERPRISE GRP INCOM COMMON STOCK 744573106 287 4,094 SH   SOLE   4,094 0 0
PUBLIC SVC ENTERPRISE GRP INCOM COMMON STOCK 744573106 66 936 SH   DFND   936 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 349 3,523 SH   SOLE   3,523 0 0
SCHLUMBERGER LTD COM STK COMMON STOCK 806857108 305 7,387 SH   SOLE   5,539 0 1,848
SCHLUMBERGER LTD COM STK COMMON STOCK 806857108 7 175 SH   DFND   0 0 175
SOUTHERN CO COM COMMON STOCK 842587107 254 3,498 SH   SOLE   3,498 0 0
SOUTHERN CO COM COMMON STOCK 842587107 140 1,925 SH   DFND   1,075 0 850
TARGET CORP COMMON STOCK 87612E106 6,003 28,287 SH   SOLE   23,659 0 4,628
TARGET CORP COMMON STOCK 87612E106 299 1,410 SH   DFND   1,030 0 380
3M CO COMMON COMMON STOCK 88579Y101 2,687 18,047 SH   SOLE   15,305 0 2,742
3M CO COMMON COMMON STOCK 88579Y101 345 2,319 SH   DFND   1,865 0 454
UNION PAC CORP COM COMMON STOCK 907818108 259 949 SH   SOLE   949 0 0
VANECK VEC AGRIBUSINESS ETF ETF - EQUITY LARGE CAP 92189F700 2,459 23,519 SH   SOLE   19,291 0 4,228
VANECK VEC AGRIBUSINESS ETF ETF - EQUITY LARGE CAP 92189F700 116 1,105 SH   DFND   805 0 300
VANGUARD INTERMEDIATE TERM BOND INDEX ETF ETF - FIXED INCOME 921937819 29,688 362,494 SH   SOLE   327,911 38 34,545
VANGUARD INTERMEDIATE TERM BOND INDEX ETF ETF - FIXED INCOME 921937819 1,581 19,306 SH   DFND   9,168 0 10,138
VANGUARD FTSE DEVELOPED MARKET ETF ETF - FOREIGN EQUITY 921943858 1,432 29,820 SH   SOLE   15,550 0 14,270
VANGUARD FTSE DEVELOPED MARKET ETF ETF - FOREIGN EQUITY 921943858 16 325 SH   DFND   325 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF - FOREIGN EQUITY 922042858 779 16,894 SH   SOLE   16,818 76 0
VANGUARD FTSE EMERGING MARKETS ETF ETF - FOREIGN EQUITY 922042858 18 399 SH   DFND   399 0 0
VANGUARD SHORT TERM CORP BD ETF #3145 ETF - FIXED INCOME 92206C409 50,309 644,252 SH   SOLE   616,320 125 27,807
VANGUARD SHORT TERM CORP BD ETF #3145 ETF - FIXED INCOME 92206C409 4,869 62,356 SH   DFND   26,676 0 35,680
VANGUARD REIT INDEX #0986 ETF - EQUITY LARGE CAP 922908553 2,535 23,392 SH   SOLE   21,292 0 2,100
VANGUARD REIT INDEX #0986 ETF - EQUITY LARGE CAP 922908553 200 1,843 SH   DFND   248 0 1,595
VANGUARD TOTAL STOCK MARKET ETF ETF - EQUITY LARGE CAP 922908769 108,838 478,053 SH   SOLE   373,637 192 104,224
VANGUARD TOTAL STOCK MARKET ETF ETF - EQUITY LARGE CAP 922908769 3,784 16,621 SH   DFND   11,854 0 4,767
VERIZON COMMUNICATIONS INC COMMON STOCK 92343V104 4,081 80,131 SH   SOLE   75,981 0 4,150
VERIZON COMMUNICATIONS INC COMMON STOCK 92343V104 281 5,524 SH   DFND   3,561 0 1,963
VISA INC. COMMON STOCK 92826C839 232 1,046 SH   SOLE   1,046 0 0
WALMART INC COM COMMON STOCK 931142103 1,447 9,714 SH   SOLE   7,986 0 1,728
WALMART INC COM COMMON STOCK 931142103 74 500 SH   DFND   400 0 100
WELLS FARGO & CO NEW COMMON STOCK 949746101 273 5,625 SH   SOLE   4,515 0 1,110
WELLS FARGO & CO NEW COMMON STOCK 949746101 85 1,754 SH   DFND   975 0 779
XCEL ENERGY INC COM COMMON STOCK 98389B100 708 9,809 SH   SOLE   8,337 0 1,472
XCEL ENERGY INC COM COMMON STOCK 98389B100 36 493 SH   DFND   0 0 493
YUM BRANDS INC COMMON STOCK 988498101 1,039 8,765 SH   SOLE   7,335 0 1,430
YUM BRANDS INC COMMON STOCK 988498101 191 1,614 SH   DFND   400 0 1,214
YUM CHINA HOLDINGS INC COMMON STOCK 98850P109 397 9,557 SH   SOLE   8,127 0 1,430
YUM CHINA HOLDINGS INC COMMON STOCK 98850P109 67 1,614 SH   DFND   400 0 1,214
ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102 355 2,774 SH   SOLE   2,551 0 223
ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102 71 558 SH   DFND   210 0 348