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
EATON CORP PLC COMMON STOCK G29183103   773,778 3,628 SH   SOLE   3,628 0 0
EATON CORP PLC COMMON STOCK G29183103   17,062 80 SH   DFND   80 0 0
MEDTRONIC PLC FOREIGN EQUITIES G5960L103   647,549 8,264 SH   SOLE   8,264 0 0
MEDTRONIC PLC FOREIGN EQUITIES G5960L103   210,394 2,685 SH   DFND   2,685 0 0
TE CONNECTIVITY LTD COMMON STOCK H84989104   850,364 6,884 SH   SOLE   6,884 0 0
TE CONNECTIVITY LTD COMMON STOCK H84989104   298,940 2,420 SH   DFND   2,420 0 0
A T & T INC COMMON STOCK 00206R102   730,495 48,636 SH   SOLE   48,636 0 0
A T & T INC COMMON STOCK 00206R102   110,427 7,352 SH   DFND   7,352 0 0
ABBOTT LABS COM COMMON STOCK 002824100   1,156,579 11,942 SH   SOLE   11,942 0 0
ABBOTT LABS COM COMMON STOCK 002824100   77,383 799 SH   DFND   799 0 0
ABBVIE INC COMMON STOCK 00287Y109   2,139,898 14,356 SH   SOLE   14,356 0 0
ABBVIE INC COMMON STOCK 00287Y109   111,645 749 SH   DFND   749 0 0
ALPHABET INC - CLASS C COMMON STOCK 02079K107   1,766,790 13,400 SH   SOLE   13,400 0 0
ALPHABET INC - CLASS A COMMON STOCK 02079K305   2,229,848 17,040 SH   SOLE   17,040 0 0
ALPHABET INC - CLASS A COMMON STOCK 02079K305   277,422 2,120 SH   DFND   280 0 1,840
ALTRIA GROUP INC COM COMMON STOCK 02209S103   527,806 12,555 SH   SOLE   12,555 0 0
ALTRIA GROUP INC COM COMMON STOCK 02209S103   171,943 4,090 SH   DFND   2,990 0 1,100
AMAZON COM INC. COMMON STOCK 023135106   596,182 4,690 SH   SOLE   4,690 0 0
AMAZON COM INC. COMMON STOCK 023135106   50,847 400 SH   DFND   180 0 220
AMETEK INC NEW COM COMMON STOCK 031100100   280,744 1,900 SH   DFND   1,900 0 0
AMGEN INC COM COMMON STOCK 031162100   398,837 1,484 SH   SOLE   1,484 0 0
AMGEN INC COM COMMON STOCK 031162100   95,947 357 SH   DFND   357 0 0
APPLE INC COMMON STOCK 037833100   20,548,233 120,018 SH   SOLE   120,018 0 0
APPLE INC COMMON STOCK 037833100   6,949,068 40,588 SH   DFND   38,393 0 2,195
AUTOMATIC DATA PROCESSING INCOM COMMON STOCK 053015103   601,450 2,500 SH   SOLE   2,500 0 0
AUTOMATIC DATA PROCESSING INCOM COMMON STOCK 053015103   336,812 1,400 SH   DFND   1,400 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104   673,397 24,604 SH   SOLE   24,604 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104   358,765 13,108 SH   DFND   13,108 0 0
BANK NEW YORK MELLON CORP COMMON STOCK 064058100   238,110 5,583 SH   SOLE   5,583 0 0
BANK NEW YORK MELLON CORP COMMON STOCK 064058100   68,240 1,600 SH   DFND   1,600 0 0
BAXTER INTL INC COM COMMON STOCK 071813109   886,109 23,486 SH   SOLE   23,486 0 0
BAXTER INTL INC COM COMMON STOCK 071813109   73,308 1,943 SH   DFND   1,943 0 0
BERKSHIRE HATHAWAY INC. DELWARE CL COMMON STOCK 084670108   2,657,385 5 SH   SOLE   5 0 0
BERKSHIRE HATHAWAY INC DEL COMMON STOCK 084670702   905,495 2,585 SH   SOLE   2,585 0 0
BLACKROCK SBI MUTUAL FUNDS - FIXED INCOME 09249E101   773,167 77,786 SH   SOLE   77,786 0 0
BLACKROCK SBI MUTUAL FUNDS - FIXED INCOME 09249E101   34,232 3,444 SH   DFND   3,444 0 0
BOEING CO COM COMMON STOCK 097023105   208,545 1,088 SH   SOLE   1,088 0 0
BOEING CO COM COMMON STOCK 097023105   28,752 150 SH   DFND   150 0 0
BRISTOL MYERS SQUIBB CO COM COMMON STOCK 110122108   1,637,007 28,205 SH   SOLE   28,205 0 0
BRISTOL MYERS SQUIBB CO COM COMMON STOCK 110122108   153,806 2,650 SH   DFND   2,650 0 0
THE CIGNA GROUP COMMON STOCK 125523100   477,152 1,668 SH   SOLE   1,668 0 0
THE CIGNA GROUP COMMON STOCK 125523100   2,574 9 SH   DFND   9 0 0
CVS HEALTH CORPORATION COMMON STOCK 126650100   344,161 4,930 SH   SOLE   4,930 0 0
CVS HEALTH CORPORATION COMMON STOCK 126650100   330,550 4,735 SH   DFND   4,735 0 0
CATERPILLAR INC COM COMMON STOCK 149123101   944,853 3,461 SH   SOLE   3,461 0 0
CATERPILLAR INC COM COMMON STOCK 149123101   1,687,686 6,182 SH   DFND   5,122 0 1,060
CHEVRON CORPORATION COMMON STOCK 166764100   4,078,885 24,190 SH   SOLE   24,190 0 0
CHEVRON CORPORATION COMMON STOCK 166764100   811,902 4,815 SH   DFND   4,815 0 0
CISCO SYS INC COM COMMON STOCK 17275R102   420,696 7,827 SH   SOLE   7,827 0 0
COCA COLA CO COM COMMON STOCK 191216100   651,485 11,640 SH   SOLE   11,640 0 0
COCA COLA CO COM COMMON STOCK 191216100   64,589 1,154 SH   DFND   1,154 0 0
COLGATE PALMOLIVE CO COM COMMON STOCK 194162103   329,166 4,629 SH   SOLE   4,629 0 0
COMCAST CORP CLASS A COMMON STOCK 20030N101   718,121 16,196 SH   SOLE   16,196 0 0
CONOCOPHILLIPS COM COMMON STOCK 20825C104   1,679,590 14,020 SH   SOLE   14,020 0 0
CONOCOPHILLIPS COM COMMON STOCK 20825C104   15,574 130 SH   DFND   130 0 0
CONSTELLATION BRANDS INC COMMON STOCK 21036P108   229,459 913 SH   SOLE   913 0 0
CONSTELLATION ENERGY CORP NPV COMMON STOCK 21037T109   304,871 2,795 SH   SOLE   2,795 0 0
CORNING INC COM COMMON STOCK 219350105   1,236,611 40,598 SH   SOLE   40,598 0 0
CORNING INC COM COMMON STOCK 219350105   254,341 8,350 SH   DFND   8,350 0 0
CORTEVA INC COMMON STOCK 22052L104   587,417 11,485 SH   SOLE   11,485 0 0
CORTEVA INC COMMON STOCK 22052L104   41,276 807 SH   DFND   807 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105   497,717 881 SH   SOLE   881 0 0
DEERE & CO COM COMMON STOCK 244199105   603,804 1,600 SH   SOLE   1,600 0 0
DEERE & CO COM COMMON STOCK 244199105   30,190 80 SH   DFND   80 0 0
DISNEY (WALT) COMPANY HOLDING CO COMMON STOCK 254687106   1,131,760 13,964 SH   SOLE   13,964 0 0
DISNEY (WALT) COMPANY HOLDING CO COMMON STOCK 254687106   32,824 405 SH   DFND   405 0 0
DOMINION ENERGY INC NPV COMMON STOCK 25746U109   187,703 4,203 SH   SOLE   4,203 0 0
DOMINION ENERGY INC NPV COMMON STOCK 25746U109   156,310 3,500 SH   DFND   3,500 0 0
DOW INC COMMON STOCK 260557103   593,053 11,503 SH   SOLE   11,503 0 0
DOW INC COMMON STOCK 260557103   41,607 807 SH   DFND   807 0 0
DUKE ENERGY CORP NEW COMMON STOCK 26441C204   662,554 7,507 SH   SOLE   7,507 0 0
DUKE ENERGY CORP NEW COMMON STOCK 26441C204   100,527 1,139 SH   DFND   1,139 0 0
DUPONT DE NEMOURS INC. COMMON STOCK 26614N102   880,868 11,810 SH   SOLE   11,810 0 0
DUPONT DE NEMOURS INC. COMMON STOCK 26614N102   64,145 860 SH   DFND   860 0 0
EMERSON ELEC CO COM COMMON STOCK 291011104   1,542,697 15,975 SH   SOLE   15,975 0 0
EMERSON ELEC CO COM COMMON STOCK 291011104   399,316 4,135 SH   DFND   3,135 0 1,000
ESSENTIAL UTILITIES INC COMMON STOCK 29670G102   3,651,966 106,410 SH   SOLE   106,410 0 0
ESSENTIAL UTILITIES INC COMMON STOCK 29670G102   616,488 17,963 SH   DFND   17,963 0 0
EXELON CORP COMMON STOCK 30161N101   337,307 8,926 SH   SOLE   8,926 0 0
EXXON MOBIL CORP COM COMMON STOCK 30231G102   5,333,050 45,357 SH   SOLE   45,357 0 0
EXXON MOBIL CORP COM COMMON STOCK 30231G102   1,168,155 9,935 SH   DFND   8,935 0 1,000
META PLATFORMS INC COMMON STOCK 30303M102   203,235 677 SH   SOLE   677 0 0
FISERV INC COM COMMON STOCK 337738108   483,468 4,280 SH   SOLE   4,280 0 0
GE HEALTHCARE TECHNOLIGIES INC COMMON STOCK 36266G107   210,820 3,099 SH   SOLE   3,099 0 0
GE HEALTHCARE TECHNOLIGIES INC COMMON STOCK 36266G107   24,218 356 SH   DFND   356 0 0
GENERAL ELECTRIC CO. COMMON STOCK 369604301   1,028,951 9,308 SH   SOLE   9,308 0 0
GENERAL ELECTRIC CO. COMMON STOCK 369604301   118,835 1,075 SH   DFND   1,075 0 0
GENERAL MLS INC COM COMMON STOCK 370334104   131,496 2,055 SH   SOLE   2,055 0 0
GENERAL MLS INC COM COMMON STOCK 370334104   193,249 3,020 SH   DFND   3,020 0 0
GENUINE PARTS CO COMMON COMMON STOCK 372460105   216,570 1,500 SH   DFND   1,500 0 0
H P INC COMMON STOCK 40434L105   424,689 16,525 SH   SOLE   16,525 0 0
H P INC COMMON STOCK 40434L105   89,950 3,500 SH   DFND   3,500 0 0
THE HERSHEY COMPANY COM COMMON STOCK 427866108   311,524 1,557 SH   SOLE   1,557 0 0
HEWLETT PACKARD ENTERPRISE CO COMMON STOCK 42824C109   286,853 16,524 SH   SOLE   16,524 0 0
HEWLETT PACKARD ENTERPRISE CO COMMON STOCK 42824C109   60,760 3,500 SH   DFND   3,500 0 0
HOME DEPOT INC COM COMMON STOCK 437076102   8,039,869 26,609 SH   SOLE   26,609 0 0
HOME DEPOT INC COM COMMON STOCK 437076102   760,209 2,516 SH   DFND   2,516 0 0
HONEYWELL INTL INC COM COMMON STOCK 438516106   3,791,761 20,525 SH   SOLE   20,525 0 0
HONEYWELL INTL INC COM COMMON STOCK 438516106   903,744 4,892 SH   DFND   4,064 0 828
ILLINOIS TOOL WKS INC COM COMMON STOCK 452308109   468,450 2,034 SH   SOLE   2,034 0 0
INTEL CORP COM COMMON STOCK 458140100   1,068,607 30,068 SH   SOLE   30,068 0 0
INTEL CORP COM COMMON STOCK 458140100   121,369 3,415 SH   DFND   3,415 0 0
INTERNATIONAL BUSINESS MACHSCOM COMMON STOCK 459200101   749,337 5,341 SH   SOLE   5,341 0 0
INTERNATIONAL BUSINESS MACHSCOM COMMON STOCK 459200101   188,422 1,343 SH   DFND   1,330 0 13
INVESCO WATER RESOURCES ETF ETF - EQUITY SMALL CAP 46137V142   7,101,729 133,542 SH   SOLE   133,542 0 0
INVESCO WATER RESOURCES ETF ETF - EQUITY SMALL CAP 46137V142   551,529 10,371 SH   DFND   7,871 0 2,500
INVESCO PREFERRED ETF ETF - FIXED INCOME 46138E511   7,041,904 643,104 SH   SOLE   643,104 0 0
INVESCO PREFERRED ETF ETF - FIXED INCOME 46138E511   364,993 33,333 SH   DFND   24,833 0 8,500
I SHARES CORE S & P TOTAL U S STOCK MARKET ETF - EQUITY LARGE CAP 464287150   1,918,645 20,370 SH   SOLE   20,370 0 0
I SHARES SELECT DIVIDEND ETF ETF - EQUITY LARGE CAP 464287168   19,511,012 181,263 SH   SOLE   181,263 0 0
I SHARES SELECT DIVIDEND ETF ETF - EQUITY LARGE CAP 464287168   1,602,970 14,892 SH   DFND   13,892 0 1,000
I SHRS TIPS BOND ETF ETF - FIXED INCOME 464287176   9,344,555 90,095 SH   SOLE   90,095 0 0
I SHRS TIPS BOND ETF ETF - FIXED INCOME 464287176   542,557 5,231 SH   DFND   3,431 0 1,800
I SHARES CORE S & P 500 ETF ETF - EQUITY LARGE CAP 464287200   336,658 784 SH   SOLE   784 0 0
ISHARES S & P GROWTH ETF ETF - EQUITY LARGE CAP 464287309   1,179,286 17,236 SH   SOLE   17,236 0 0
ISHARES S & P GROWTH ETF ETF - EQUITY LARGE CAP 464287309   3,078 45 SH   DFND   45 0 0
I SHARES S & P 500 VALUE ETF ETF - EQUITY LARGE CAP 464287408   334,909 2,177 SH   SOLE   2,177 0 0
I SHARES MSCI EAFE ETF ETF - FOREIGN EQUITY 464287465   387,807 5,627 SH   SOLE   5,627 0 0
I SHARES RUSSELL MID-CAP ETF ETF - EQUITY MID CAP 464287499   423,393 6,114 SH   SOLE   6,114 0 0
I SHARES CORE S & P MID-CAP ETF ETF - EQUITY MID CAP 464287507   255,827 1,026 SH   SOLE   1,026 0 0
I SHARES S & P MIDCAP 400 GROWTH ETF ETF - EQUITY MID CAP 464287606   235,140 3,255 SH   SOLE   3,255 0 0
I SHARES S & P MID CAP 400 VALUE ETF ETF - EQUITY MID CAP 464287705   216,191 2,142 SH   SOLE   2,142 0 0
I SHARES CORE S & P SMALL CAP ETF ETF - EQUITY SMALL CAP 464287804   552,764 5,860 SH   SOLE   5,860 0 0
I SHRS MOMENTUM ETF - EQUITY LARGE CAP 46432F396   692,903 4,960 SH   SOLE   4,960 0 0
I SHARES MSCI EAFE CORE ETF - FOREIGN EQUITY 46432F842   16,820,448 261,393 SH   SOLE   261,393 0 0
I SHARES MSCI EAFE CORE ETF - FOREIGN EQUITY 46432F842   1,219,487 18,951 SH   DFND   16,811 0 2,140
I SHRS CONVERTIBLE BOND ETF ETF - FIXED INCOME 46435G102   179,564 2,420 SH   SOLE   2,420 0 0
I SHRS CONVERTIBLE BOND ETF ETF - FIXED INCOME 46435G102   27,825 375 SH   DFND   375 0 0
J P MORGAN CHASE & CO COMMON STOCK 46625H100   1,258,908 8,681 SH   SOLE   8,681 0 0
J P MORGAN CHASE & CO COMMON STOCK 46625H100   9,426 65 SH   DFND   65 0 0
JOHNSON & JOHNSON COM COMMON STOCK 478160104   5,508,840 35,370 SH   SOLE   35,370 0 0
JOHNSON & JOHNSON COM COMMON STOCK 478160104   1,314,215 8,438 SH   DFND   7,588 0 850
KIMBERLY-CLARK CORP COM COMMON STOCK 494368103   2,601,265 21,525 SH   SOLE   21,525 0 0
KIMBERLY-CLARK CORP COM COMMON STOCK 494368103   310,584 2,570 SH   DFND   2,570 0 0
L3HARRIS TECHNOLOGIES INC COMMON STOCK 502431109   254,910 1,464 SH   SOLE   1,464 0 0
ELI LILLY & CO COM COMMON STOCK 532457108   1,575,933 2,934 SH   SOLE   2,934 0 0
ELI LILLY & CO COM COMMON STOCK 532457108   429,704 800 SH   DFND   0 0 800
LOCKHEED MARTIN CORP COM COMMON STOCK 539830109   1,196,577 2,926 SH   SOLE   2,926 0 0
LOCKHEED MARTIN CORP COM COMMON STOCK 539830109   30,671 75 SH   DFND   75 0 0
LOWES COS INC COM COMMON STOCK 548661107   284,115 1,367 SH   SOLE   1,367 0 0
MANULIFE FINANCIAL FOREIGN EQUITIES 56501R106   188,290 10,306 SH   SOLE   10,306 0 0
MANULIFE FINANCIAL FOREIGN EQUITIES 56501R106   10,706 586 SH   DFND   586 0 0
MCDONALDS CORP COM COMMON STOCK 580135101   3,047,190 11,567 SH   SOLE   11,567 0 0
MCDONALDS CORP COM COMMON STOCK 580135101   480,775 1,825 SH   DFND   1,015 0 810
MCKESSON CORP USD COMMON STOCK 58155Q103   331,782 763 SH   SOLE   763 0 0
MERCK & CO INC NEW COMMON STOCK 58933Y105   3,394,243 32,970 SH   SOLE   32,970 0 0
MERCK & CO INC NEW COMMON STOCK 58933Y105   431,359 4,190 SH   DFND   4,190 0 0
MICROSOFT CORP COM COMMON STOCK 594918104   11,754,075 37,226 SH   SOLE   37,226 0 0
MICROSOFT CORP COM COMMON STOCK 594918104   2,388,330 7,564 SH   DFND   6,814 0 750
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105   533,332 7,685 SH   SOLE   7,685 0 0
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105   129,152 1,861 SH   DFND   1,861 0 0
NEXTERA ENERGY INC COM COMMON STOCK 65339F101   1,549,636 27,049 SH   SOLE   27,049 0 0
NEXTERA ENERGY INC COM COMMON STOCK 65339F101   249,784 4,360 SH   DFND   4,360 0 0
NUVEEN SELECT TAX-FREE INCOME PORTFOLIO MUTUAL FUNDS-NON TAX 67062F100   122,360 9,200 SH   SOLE   9,200 0 0
NUVEEN SELECT TAX-FREE INCOME PORTFOLIO MUTUAL FUNDS-NON TAX 67062F100   190,855 14,350 SH   DFND   14,350 0 0
NVIDIA CORPORATION COMMON STOCK 67066G104   2,463,723 5,664 SH   SOLE   5,664 0 0
NUVEEN CREDIT STRATEGIES INCOME FUND PREFERRED STOCK 67073D102   614,042 121,353 SH   SOLE   121,353 0 0
NUVEEN CREDIT STRATEGIES INCOME FUND PREFERRED STOCK 67073D102   48,677 9,620 SH   DFND   9,620 0 0
ORACLE CORP COM COMMON STOCK 68389X105   194,892 1,840 SH   SOLE   1,840 0 0
ORACLE CORP COM COMMON STOCK 68389X105   529,600 5,000 SH   DFND   5,000 0 0
PNC FINL SVCS GROUP INC COM COMMON STOCK 693475105   1,172,570 9,551 SH   SOLE   9,551 0 0
PNC FINL SVCS GROUP INC COM COMMON STOCK 693475105   190,293 1,550 SH   DFND   1,550 0 0
PPG INDS INC COM COMMON STOCK 693506107   323,851 2,495 SH   SOLE   2,495 0 0
PPL CORP COMMON COMMON STOCK 69351T106   378,045 16,053 SH   SOLE   16,053 0 0
PPL CORP COMMON COMMON STOCK 69351T106   54,871 2,330 SH   DFND   2,330 0 0
PEPSICO INC COM COMMON STOCK 713448108   7,047,635 41,594 SH   SOLE   41,594 0 0
PEPSICO INC COM COMMON STOCK 713448108   677,587 3,999 SH   DFND   3,199 0 800
PFIZER INC COM COMMON STOCK 717081103   1,784,145 53,805 SH   SOLE   53,805 0 0
PFIZER INC COM COMMON STOCK 717081103   279,073 8,416 SH   DFND   8,416 0 0
PHILLIP MORRIS INTERNATIONALINC COMMON STOCK 718172109   920,052 9,938 SH   SOLE   9,938 0 0
PHILLIP MORRIS INTERNATIONALINC COMMON STOCK 718172109   331,343 3,579 SH   DFND   2,929 0 650
PHILLIPS 66 COMMON STOCK 718546104   813,518 6,771 SH   SOLE   6,771 0 0
PHILLIPS 66 COMMON STOCK 718546104   13,816 115 SH   DFND   115 0 0
PROCTER AND GAMBLE CO COM COMMON STOCK 742718109   4,567,579 31,315 SH   SOLE   31,315 0 0
PROCTER AND GAMBLE CO COM COMMON STOCK 742718109   1,160,315 7,955 SH   DFND   6,955 0 1,000
PROSHARES ULTRA S & P 500 EFT ETF - EQUITY LARGE CAP 74347R107   430,242 8,060 SH   SOLE   8,060 0 0
PUBLIC SVC ENTERPRISE GRP INCOM COMMON STOCK 744573106   201,197 3,536 SH   SOLE   3,536 0 0
PUBLIC SVC ENTERPRISE GRP INCOM COMMON STOCK 744573106   53,258 936 SH   DFND   936 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101   254,482 3,536 SH   SOLE   3,536 0 0
SCHLUMBERGER LTD COM STK COMMON STOCK 806857108   311,672 5,347 SH   SOLE   5,347 0 0
SCHLUMBERGER LTD COM STK COMMON STOCK 806857108   10,200 175 SH   DFND   175 0 0
HEALTH CARE SELECT SECTOR SPDR FUND COMMON STOCK 81369Y209   213,450 1,658 SH   SOLE   1,658 0 0
SOUTHERN CO COM COMMON STOCK 842587107   226,194 3,495 SH   SOLE   3,495 0 0
SOUTHERN CO COM COMMON STOCK 842587107   124,586 1,925 SH   DFND   1,925 0 0
TARGET CORP COMMON STOCK 87612E106   2,859,972 25,866 SH   SOLE   25,866 0 0
TARGET CORP COMMON STOCK 87612E106   147,721 1,336 SH   DFND   1,336 0 0
3M CO COMMON COMMON STOCK 88579Y101   1,352,318 14,445 SH   SOLE   14,445 0 0
3M CO COMMON COMMON STOCK 88579Y101   204,558 2,185 SH   DFND   2,185 0 0
VANECK VEC AGRIBUSINESS ETF ETF - EQUITY LARGE CAP 92189F700   1,720,605 21,863 SH   SOLE   21,863 0 0
VANECK VEC AGRIBUSINESS ETF ETF - EQUITY LARGE CAP 92189F700   71,223 905 SH   DFND   905 0 0
VANGUARD INTERMEDIATE TERM BOND INDEX ETF ETF - FIXED INCOME 921937819   24,559,594 339,646 SH   SOLE   339,646 0 0
VANGUARD INTERMEDIATE TERM BOND INDEX ETF ETF - FIXED INCOME 921937819   1,273,734 17,615 SH   DFND   14,115 0 3,500
VANGUARD FTSE DEVELOPED MARKET ETF ETF - FOREIGN EQUITY 921943858   1,256,729 28,745 SH   SOLE   28,745 0 0
VANGUARD FTSE DEVELOPED MARKET ETF ETF - FOREIGN EQUITY 921943858   15,302 350 SH   DFND   350 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF - FOREIGN EQUITY 922042858   890,112 22,707 SH   SOLE   22,707 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF - FOREIGN EQUITY 922042858   17,796 454 SH   DFND   454 0 0
VANGUARD SHORT TERM CORP BD ETF #3145 ETF - FIXED INCOME 92206C409   46,180,828 614,518 SH   SOLE   614,518 0 0
VANGUARD SHORT TERM CORP BD ETF #3145 ETF - FIXED INCOME 92206C409   4,201,328 55,906 SH   DFND   41,424 0 14,482
VANGUARD REIT INDEX #0986 ETF - EQUITY LARGE CAP 922908553   1,572,665 20,789 SH   SOLE   20,789 0 0
VANGUARD REIT INDEX #0986 ETF - EQUITY LARGE CAP 922908553   124,292 1,643 SH   DFND   1,643 0 0
VANGUARD TOTAL STOCK MARKET ETF ETF - EQUITY LARGE CAP 922908769   101,448,888 477,610 SH   SOLE   477,610 0 0
VANGUARD TOTAL STOCK MARKET ETF ETF - EQUITY LARGE CAP 922908769   3,162,777 14,890 SH   DFND   14,432 0 458
VERIZON COMMUNICATIONS INC COMMON STOCK 92343V104   2,282,072 70,435 SH   SOLE   70,435 0 0
VERIZON COMMUNICATIONS INC COMMON STOCK 92343V104   151,113 4,664 SH   DFND   4,664 0 0
VISA INC. COMMON STOCK 92826C839   240,587 1,046 SH   SOLE   1,046 0 0
WALMART INC COM COMMON STOCK 931142103   1,454,392 9,094 SH   SOLE   9,094 0 0
WALMART INC COM COMMON STOCK 931142103   79,964 500 SH   DFND   500 0 0
WELLS FARGO & CO NEW COMMON STOCK 949746101   263,992 6,461 SH   SOLE   6,461 0 0
WELLS FARGO & CO NEW COMMON STOCK 949746101   39,838 975 SH   DFND   975 0 0
XCEL ENERGY INC COM COMMON STOCK 98389B100   554,801 9,696 SH   SOLE   9,696 0 0
XCEL ENERGY INC COM COMMON STOCK 98389B100   22,659 396 SH   DFND   396 0 0
YUM BRANDS INC COMMON STOCK 988498101   1,015,373 8,127 SH   SOLE   8,127 0 0
YUM BRANDS INC COMMON STOCK 988498101   196,405 1,572 SH   DFND   572 0 1,000
YUM CHINA HOLDINGS INC COMMON STOCK 98850P109   511,439 9,179 SH   SOLE   9,179 0 0
YUM CHINA HOLDINGS INC COMMON STOCK 98850P109   87,591 1,572 SH   DFND   572 0 1,000
ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102   319,582 2,848 SH   SOLE   2,848 0 0
ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102   33,552 299 SH   DFND   299 0 0