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
3M COMPANY Equities 88579Y101 326 2,187 SH   SOLE 0 2,187 0 0
ABBOTT LABS Equities 002824100 3,057 25,832 SH   SOLE 0 25,772 60 0
ABBVIE INC. Equities 00287Y109 1,459 8,998 SH   SOLE 0 8,948 50 0
ACCENTURE PLC Equities G1151C101 1,855 5,501 SH   SOLE 0 5,501 0 0
ADOBE SYSTEMS, INC. Equities 00724F101 3,213 7,052 SH   SOLE 0 7,037 15 0
ADVANCED MICRO DEVICES INC Equities 007903107 524 4,790 SH   SOLE 0 4,790 0 0
AIR PRODUCTS AND CHEMICALS Equities 009158106 390 1,560 SH   SOLE 0 1,540 20 0
ALBEMARLE CORPORATION Equities 012653101 1,232 5,572 SH   SOLE 0 5,537 35 0
ALLSTATE CORP Equities 020002101 721 5,203 SH   SOLE 0 5,203 0 0
ALPHABET INC CL A Equities 02079K305 5,368 1,930 SH   SOLE 0 1,925 5 0
ALPHABET INC CL C Equities 02079K107 816 292 SH   SOLE 0 292 0 0
AMAZON.COM INC Equities 023135106 3,446 1,057 SH   SOLE 0 1,055 2 0
AMERICAN EXPRESS CO Equities 025816109 70 375 SH   DFND 0 375 0 0
AMERICAN EXPRESS CO Equities 025816109 3,092 16,537 SH   SOLE 0 16,477 60 0
AMERICAN TOWER CORPORATION Equities 03027X100 227 903 SH   SOLE 0 903 0 0
AMERICAN WATER WORKS Equities 030420103 1,365 8,244 SH   SOLE 0 8,224 20 0
AMERISOURCEBERGEN Equities 03073E105 467 3,017 SH   SOLE 0 3,017 0 0
ANALOG DEVICES Equities 032654105 2,569 15,552 SH   SOLE 0 15,512 40 0
APPLE COMPUTER INC Equities 037833100 9,287 53,187 SH   SOLE 0 53,107 80 0
APPLIED INDUSTRIAL Equities 03820C105 205 2,000 SH   SOLE 0 2,000 0 0
AT&T INC Equities 00206R102 213 8,999 SH   SOLE 0 8,999 0 0
AT&T INC Equities 00206R102 13 530 SH   DFND 0 530 0 0
BECTON DICKINSON AND CO Equities 075887109 1,295 4,869 SH   SOLE 0 4,869 0 0
BRISTOL-MYERS SQUIBB Equities 110122108 536 7,336 SH   SOLE 0 7,336 0 0
CATERPILLAR INC. Equities 149123101 221 990 SH   SOLE 0 990 0 0
CENTERPOINT ENERGY INC Equities 15189T107 214 7,000 SH   SOLE 0 7,000 0 0
CHEVRON CORPORATION Equities 166764100 42 257 SH   DFND 0 257 0 0
CHEVRON CORPORATION Equities 166764100 2,962 18,189 SH   SOLE 0 18,144 45 0
COCA COLA CO Equities 191216100 322 5,186 SH   SOLE 0 5,186 0 0
COMCAST CORP CL A Equities 20030N101 18 378 SH   DFND 0 378 0 0
COMCAST CORP CL A Equities 20030N101 2,310 49,340 SH   SOLE 0 49,215 125 0
CONAGRA FOODS INC Equities 205887102 315 9,380 SH   SOLE 0 9,380 0 0
COSTCO WHOLESALE Equities 22160K105 5,779 10,035 SH   SOLE 0 10,017 18 0
CUMMINS Equities 231021106 1,710 8,339 SH   SOLE 0 8,311 28 0
CVS HEALTH CORP Equities 126650100 407 4,017 SH   SOLE 0 4,017 0 0
DANAHER CORP Equities 235851102 2,557 8,717 SH   SOLE 0 8,692 25 0
DEERE & CO Equities 244199105 260 625 SH   SOLE 0 625 0 0
DOLLAR GENERAL CORP Equities 256677105 1,200 5,389 SH   SOLE 0 5,354 35 0
ELECTRONIC ARTS INC. Equities 285512109 856 6,764 SH   SOLE 0 6,764 0 0
ELI LILLY & CO. Equities 532457108 200 700 SH   SOLE 0 700 0 0
EMERSON ELEC CO Equities 291011104 265 2,700 SH   SOLE 0 2,700 0 0
ENERGY SELECT SECTOR SPDR Equities 81369Y506 772 10,095 SH   SOLE 0 10,095 0 0
EOG RESOURCES INC Equities 26875P101 645 5,410 SH   SOLE 0 5,350 60 0
EVEREST RE GROUP LTD Equities G3223R108 647 2,146 SH   SOLE 0 2,146 0 0
EVERSOURCE ENERGY Equities 30040W108 99 1,128 SH   SOLE 0 1,128 0 0
EVERSOURCE ENERGY Equities 30040W108 116 1,312 SH   DFND 0 1,312 0 0
EXXON MOBIL CORP. Equities 30231G102 68 820 SH   DFND 0 820 0 0
EXXON MOBIL CORP. Equities 30231G102 491 5,945 SH   SOLE 0 5,945 0 0
FISERV INC Equities 337738108 611 6,024 SH   SOLE 0 6,024 0 0
GENERAL DYNAMICS Equities 369550108 1,027 4,257 SH   SOLE 0 4,227 30 0
GENERAL MILLS INC Equities 370334104 254 3,755 SH   SOLE 0 3,755 0 0
HOME DEPOT Equities 437076102 3,801 12,697 SH   SOLE 0 12,677 20 0
HONEYWELL INTERNATIONAL INC. Equities 438516106 307 1,577 SH   SOLE 0 1,577 0 0
INTERCONTINENTAL EXCHANGE Equities 45866F104 1,877 14,206 SH   SOLE 0 14,206 0 0
INTERNATIONAL BUSINESS MACHINES Equities 459200101 173 1,330 SH   SOLE 0 1,330 0 0
INTERNATIONAL BUSINESS MACHINES Equities 459200101 130 1,000 SH   DFND 0 1,000 0 0
INTUITIVE SURGICAL INC Equities 46120E602 265 880 SH   SOLE 0 880 0 0
IQ MERGER ARBITRAGE ETF Equities 45409B800 319 10,000 SH   SOLE 0 10,000 0 0
ISHARES MSCI EM MKTS Equities 464287234 6,673 147,792 SH   SOLE 0 147,415 240 137
ISHARES MSCI EM MKTS Equities 464287234 22 480 SH   DFND 0 380 0 100
ISHARES: COHEN & STEERS REIT Equities 464287564 7,522 105,929 SH   SOLE 0 105,729 200 0
ISHARES: COHEN & STEERS REIT Equities 464287564 37 520 SH   DFND 0 520 0 0
ISHARES: MSCI EAFE INDEX FUND Equities 464287465 7,804 106,031 SH   SOLE 0 105,729 150 152
ISHARES: MSCI EAFE INDEX FUND Equities 464287465 43 590 SH   DFND 0 480 0 110
ISHARES: MSCI EAFE SMALL CAP Equities 464288273 9,240 139,278 SH   SOLE 0 138,999 125 154
ISHARES: MSCI EAFE SMALL CAP Equities 464288273 35 535 SH   DFND 0 415 0 120
ISHARES: RUSSELL 1000 GROWTH Equities 464287614 400 1,440 SH   SOLE 0 1,440 0 0
ISHARES: S&P 500 GROWTH INDEX Equities 464287309 65 850 SH   DFND 0 650 0 200
ISHARES: S&P 500 GROWTH INDEX Equities 464287309 10,345 135,446 SH   SOLE 0 135,191 0 255
ISHARES: S&P 500 INDEX Equities 464287200 426 940 SH   DFND 0 725 0 215
ISHARES: S&P 500 INDEX Equities 464287200 40,441 89,137 SH   SOLE 0 88,846 0 291
ISHARES: S&P 500 VALUE INDEX Equities 464287408 13,737 88,214 SH   SOLE 0 87,960 0 254
ISHARES: S&P 500 VALUE INDEX Equities 464287408 121 775 SH   DFND 0 595 0 180
ISHARES: S&P MID CAP VALUE INDE Equities 464287705 2,038 18,590 SH   SOLE 0 18,523 30 37
ISHARES: S&P MID CAP VALUE INDE Equities 464287705 13 121 SH   DFND 0 95 0 26
ISHARES: S&P MIDCAP 400 INDEX Equities 464287507 41,535 154,784 SH   SOLE 0 154,669 0 115
ISHARES: S&P MIDCAP 400 INDEX Equities 464287507 153 570 SH   DFND 0 485 0 85
ISHARES: S&P MIDCAP GROWTH Equities 464287606 2,589 33,511 SH   SOLE 0 33,011 500 0
ISHARES: S&P SMALLCAP 600 INDEX Equities 464287804 22,245 206,198 SH   SOLE 0 205,831 225 142
ISHARES: S&P SMALLCAP 600 INDEX Equities 464287804 77 715 SH   DFND 0 615 0 100
JOHNSON & JOHNSON Equities 478160104 836 4,717 SH   SOLE 0 4,717 0 0
JOHNSON & JOHNSON Equities 478160104 10 55 SH   DFND 0 55 0 0
JP MORGAN CHASE & CO. Equities 46625H100 3,210 23,548 SH   SOLE 0 23,498 50 0
JP MORGAN CHASE & CO. Equities 46625H100 166 1,216 SH   DFND 0 1,216 0 0
KINDER MORGAN INC Equities 49456B101 461 24,355 SH   SOLE 0 24,160 195 0
KLA CORP Equities 482480100 2,127 5,811 SH   SOLE 0 5,789 22 0
LAM RESEARCH CORP Equities 512807108 1,740 3,236 SH   SOLE 0 3,226 10 0
LENNAR CORP Equities 526057104 265 3,260 SH   SOLE 0 3,260 0 0
LOWES COMPANIES INC. Equities 548661107 512 2,530 SH   SOLE 0 2,530 0 0
M&T BANK CORPORATION Equities 55261F104 834 4,921 SH   SOLE 0 4,901 20 0
MCDONALDS CORP Equities 580135101 370 1,498 SH   SOLE 0 1,498 0 0
MCKESSON HBOC INC. Equities 58155Q103 744 2,430 SH   SOLE 0 2,430 0 0
MEDTRONIC PLC Equities G5960L103 1,103 9,943 SH   SOLE 0 9,908 35 0
MERCK Equities 58933Y105 270 3,295 SH   SOLE 0 3,295 0 0
META PLATFORMS INC Equities 30303M102 1,397 6,282 SH   SOLE 0 6,260 22 0
MICRON TECHNOLOGY INC Equities 595112103 1,510 19,381 SH   SOLE 0 19,291 90 0
MICROSOFT CORP. Equities 594918104 6,454 20,932 SH   SOLE 0 20,902 30 0
MONSTER BEVERAGE.COM Equities 61174X109 239 2,990 SH   SOLE 0 2,955 35 0
MORNINGSTAR INC Equities 617700109 1,858 6,802 SH   SOLE 0 6,772 30 0
NETFLIX INC COM Equities 64110L106 305 814 SH   SOLE 0 814 0 0
NEXTERA ENERGY, INC. Equities 65339F101 1,998 23,590 SH   SOLE 0 23,545 45 0
NIKE INC. Equities 654106103 857 6,372 SH   SOLE 0 6,372 0 0
NORTHROP GRUMMAN Equities 666807102 658 1,472 SH   SOLE 0 1,472 0 0
ORACLE CORP Equities 68389X105 707 8,550 SH   SOLE 0 8,550 0 0
PACKAGING CORP OF AMERICA Equities 695156109 373 2,392 SH   SOLE 0 2,392 0 0
PARKER HANNIFIN CORP Equities 701094104 2,641 9,306 SH   SOLE 0 9,284 22 0
PAYPAL HOLDINGS Equities 70450Y103 309 2,668 SH   SOLE 0 2,668 0 0
PEPSICO INC Equities 713448108 482 2,880 SH   SOLE 0 2,880 0 0
PFIZER INC Equities 717081103 307 5,929 SH   SOLE 0 5,929 0 0
PIMCO 1-5 YEAR US TIPS INDEX ET Equities 72201R205 272 5,000 SH   SOLE 0 5,000 0 0
PIMCO MUNI INC II Equities 72200W106 115 10,000 SH   SOLE 0 10,000 0 0
PPG IND INC Equities 693506107 1,055 8,047 SH   SOLE 0 8,047 0 0
PROCTER & GAMBLE COMPANY Equities 742718109 217 1,420 SH   SOLE 0 1,420 0 0
PROGRESSIVE CORP Equities 743315103 1,215 10,657 SH   SOLE 0 10,582 75 0
QUALCOMM INC. Equities 747525103 2,057 13,458 SH   SOLE 0 13,398 60 0
S&P GLOBAL Equities 78409V104 443 1,080 SH   SOLE 0 1,080 0 0
SKYWORKS SOLUTIONS INC Equities 83088M102 1,874 14,061 SH   SOLE 0 14,061 0 0
SOUTHERN CO Equities 842587107 352 4,850 SH   SOLE 0 4,850 0 0
SPDR BARCLAY'S CONVERTIBLE Equities 78464A359 810 10,522 SH   SOLE 0 10,522 0 0
SPDR S&P MIDCAP 400 ETF Equities 78467Y107 723 1,475 SH   SOLE 0 1,475 0 0
STANDARD & POORS DEP. RECEIPTS Equities 78462F103 388 860 SH   SOLE 0 860 0 0
STRYKER CORP Equities 863667101 2,096 7,840 SH   SOLE 0 7,815 25 0
TAIWAN SEMICONDUCTOR ADR Equities 874039100 321 3,080 SH   SOLE 0 3,080 0 0
TECHNOLOGY SELECT SECTOR SPDR Equities 81369Y803 253 1,590 SH   SOLE 0 1,465 125 0
THERMO FISHER SCIENTIFIC CORP Equities 883556102 423 717 SH   SOLE 0 717 0 0
TRAVELERS COMPANIES INC Equities 89417E109 748 4,095 SH   SOLE 0 4,095 0 0
TRAVELERS COMPANIES INC Equities 89417E109 0 2 SH   DFND 0 2 0 0
UNION PAC CORP Equities 907818108 109 400 SH   DFND 0 400 0 0
UNION PAC CORP Equities 907818108 336 1,228 SH   SOLE 0 1,228 0 0
UNITED HEALTH GROUP Equities 91324P102 1,673 3,280 SH   SOLE 0 3,263 17 0
VANGUARD INDEX FDS GROWTH ETF Equities 922908736 417 1,450 SH   SOLE 0 1,450 0 0
VANGUARD REIT FUND Equities 922908553 434 4,003 SH   SOLE 0 4,003 0 0
VANGUARD SHT-TRM INFL-PROT ETF Equities 922020805 16,863 329,299 SH   SOLE 0 329,270 0 29
VANGUARD SHT-TRM INFL-PROT ETF Equities 922020805 9 170 SH   DFND 0 120 0 50
VANGUARD TOTAL STOCK MARKET FUN Equities 922908769 401 1,763 SH   SOLE 0 1,763 0 0
VERIZON COMMUNICATIONS Equities 92343V104 638 12,523 SH   SOLE 0 12,523 0 0
VERIZON COMMUNICATIONS Equities 92343V104 22 425 SH   DFND 0 425 0 0
VISA INC Equities 92826C839 3,686 16,620 SH   SOLE 0 16,585 35 0
WAL MART STORES, INC Equities 931142103 2,440 16,385 SH   SOLE 0 16,340 45 0
WALT DISNEY COMPANY Equities 254687106 1,888 13,768 SH   SOLE 0 13,723 45 0
WASTE MANAGEMENT INC. Equities 94106L109 301 1,901 SH   SOLE 0 1,901 0 0
WATERS CORP. Equities 941848103 1,649 5,312 SH   SOLE 0 5,302 10 0
WEC ENERGY GROUP INC Equities 92939U106 334 3,350 SH   SOLE 0 3,350 0 0
WEC ENERGY GROUP INC Equities 92939U106 28 282 SH   DFND 0 282 0 0
WELLS FARGO & CO. Equities 949746101 2,282 47,090 SH   SOLE 0 47,090 0 0
WILLIAMS-SONOMA INC Equities 969904101 1,604 11,062 SH   SOLE 0 11,012 50 0
ZIONS BANCORP Equities 989701107 918 14,002 SH   SOLE 0 13,952 50 0