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
AFLAC, Inc. Com 001055102   193,695 2,775 SH   SOLE 0 2,775 0 0
AFLAC, Inc. Com 001055102   20,940 300 SH   DFND 0 300 0 0
AT&T Inc. Com Com 00206R102   2,009,525 125,989 SH   SOLE 0 125,924 0 65
AT&T Inc. Com Com 00206R102   261,421 16,390 SH   DFND 0 16,390 0 0
Abbott Laboratories Com 002824100   3,012,986 27,637 SH   SOLE 0 27,602 0 35
Abbott Laboratories Com 002824100   172,688 1,584 SH   DFND 0 1,584 0 0
AbbVie Inc Com 00287Y109   3,533,833 26,229 SH   SOLE 0 26,229 0 0
AbbVie Inc Com 00287Y109   407,019 3,021 SH   DFND 0 3,021 0 0
Activision Blizzard Inc Com 00507V109   1,135,521 13,470 SH   SOLE 0 13,470 0 0
Activision Blizzard Inc Com 00507V109   25,206 299 SH   DFND 0 299 0 0
Adobe Systems Inc. Com 00724F101   3,469,873 7,096 SH   SOLE 0 7,096 0 0
Adobe Systems Inc. Com 00724F101   118,825 243 SH   DFND 0 243 0 0
Air Products & Chemicals Com 009158106   483,142 1,613 SH   SOLE 0 1,613 0 0
Air Products & Chemicals Com 009158106   4,493 15 SH   DFND 0 15 0 0
Alphabet Inc Cl C Com 02079K107   1,614,345 13,345 SH   SOLE 0 13,345 0 0
Alphabet Inc Cl C Com 02079K107   91,937 760 SH   DFND 0 760 0 0
Alphabet Inc. Cl A Com 02079K305   7,549,958 63,074 SH   SOLE 0 63,074 0 0
Alphabet Inc. Cl A Com 02079K305   303,320 2,534 SH   DFND 0 2,534 0 0
Altria Group Inc. Com 02209S103   742,467 16,390 SH   SOLE 0 16,390 0 0
Altria Group Inc. Com 02209S103   34,881 770 SH   DFND 0 770 0 0
Amazon.Com, Inc. Com 023135106   7,744,427 59,408 SH   SOLE 0 59,358 0 50
Amazon.Com, Inc. Com 023135106   421,845 3,236 SH   DFND 0 3,236 0 0
American Express Co Com 025816109   1,524,947 8,754 SH   SOLE 0 8,754 0 0
American Express Co Com 025816109   362,684 2,082 SH   DFND 0 2,082 0 0
American Tower Corporation REIT Com 03027X100   416,001 2,145 SH   SOLE 0 2,145 0 0
American Tower Corporation REIT Com 03027X100   8,727 45 SH   DFND 0 45 0 0
Ameriprise Financial, Inc. Com 03076C106   556,368 1,675 SH   SOLE 0 1,675 0 0
Ameriprise Financial, Inc. Com 03076C106   1,661 5 SH   DFND 0 5 0 0
Amgen Inc. Com 031162100   829,467 3,736 SH   SOLE 0 3,736 0 0
Amgen Inc. Com 031162100   52,175 235 SH   DFND 0 235 0 0
Analog Devices Inc. Com 032654105   406,179 2,085 SH   SOLE 0 2,085 0 0
Analog Devices Inc. Com 032654105   26,884 138 SH   DFND 0 138 0 0
Apple, Inc. Com 037833100   21,698,454 111,865 SH   SOLE 0 111,820 0 45
Apple, Inc. Com 037833100   1,252,076 6,455 SH   DFND 0 6,455 0 0
Applied Materials Inc. Com 038222105   6,191,660 42,837 SH   SOLE 0 42,802 0 35
Applied Materials Inc. Com 038222105   171,714 1,188 SH   DFND 0 1,188 0 0
Automatic Data Processing Com 053015103   945,976 4,304 SH   SOLE 0 4,304 0 0
Automatic Data Processing Com 053015103   152,754 695 SH   DFND 0 695 0 0
Bank Of America Corporation Com 060505104   2,635,492 91,861 SH   SOLE 0 91,861 0 0
Bank Of America Corporation Com 060505104   115,362 4,021 SH   DFND 0 4,021 0 0
Baxter International, Inc. Com 071813109   226,251 4,966 SH   SOLE 0 4,966 0 0
Baxter International, Inc. Com 071813109   15,171 333 SH   DFND 0 333 0 0
Berkshire Hathaway, Inc. Cl A Com 084670108   1,035,620 2 SH   SOLE 0 2 0 0
Berkshire Hathaway Inc Cl B Com 084670702   1,465,959 4,299 SH   SOLE 0 4,289 0 10
Berkshire Hathaway Inc Cl B Com 084670702   80,135 235 SH   DFND 0 235 0 0
Blackrock Inc Com 09247X101   816,236 1,181 SH   SOLE 0 1,181 0 0
Blackrock Inc Com 09247X101   55,291 80 SH   DFND 0 80 0 0
Bristol Myers Squibb Co. Com 110122108   1,906,158 29,807 SH   SOLE 0 29,757 0 50
Bristol Myers Squibb Co. Com 110122108   259,637 4,060 SH   DFND 0 4,060 0 0
Cigna Group Com 125523100   257,871 919 SH   SOLE 0 919 0 0
CVS Health Corp Com 126650100   2,689,641 38,907 SH   SOLE 0 38,862 0 45
CVS Health Corp Com 126650100   131,624 1,904 SH   DFND 0 1,904 0 0
Campbell Soup Co Com 134429109   247,520 5,415 SH   SOLE 0 5,415 0 0
Campbell Soup Co Com 134429109   28,569 625 SH   DFND 0 625 0 0
Capital One Financial Corp. Com 14040H105   401,169 3,668 SH   SOLE 0 3,668 0 0
Capital One Financial Corp. Com 14040H105   6,562 60 SH   DFND 0 60 0 0
Caterpillar Inc. Com 149123101   3,236,542 13,154 SH   SOLE 0 13,154 0 0
Caterpillar Inc. Com 149123101   108,262 440 SH   DFND 0 440 0 0
Chevron Corp com Com 166764100   5,990,472 38,071 SH   SOLE 0 38,051 0 20
Chevron Corp com Com 166764100   400,456 2,545 SH   DFND 0 2,545 0 0
Cisco Systems, Inc. Com 17275R102   2,074,050 40,086 SH   SOLE 0 40,011 0 75
Cisco Systems, Inc. Com 17275R102   127,177 2,458 SH   DFND 0 2,458 0 0
Coca Cola Com 191216100   3,065,138 50,899 SH   SOLE 0 50,899 0 0
Coca Cola Com 191216100   739,201 12,275 SH   DFND 0 12,275 0 0
Cognizant Tech Solutions-A Com 192446102   399,252 6,116 SH   SOLE 0 6,116 0 0
Cognizant Tech Solutions-A Com 192446102   23,174 355 SH   DFND 0 355 0 0
ComCast Corporation Cl A Com 20030N101   2,124,867 51,140 SH   SOLE 0 51,070 0 70
ComCast Corporation Cl A Com 20030N101   105,205 2,532 SH   DFND 0 2,532 0 0
ConocoPhillips Com 20825C104   150,442 1,452 SH   SOLE 0 1,452 0 0
ConocoPhillips Com 20825C104   232,190 2,241 SH   DFND 0 2,241 0 0
Consolidated Edison Inc. Com 209115104   877,784 9,710 SH   SOLE 0 9,710 0 0
Consolidated Edison Inc. Com 209115104   330,412 3,655 SH   DFND 0 3,655 0 0
Corecare Sys Inc Com 218908101   0 10,000 SH   SOLE 0 10,000 0 0
Costco Wholesale Corporation Com 22160K105   668,668 1,242 SH   SOLE 0 1,237 0 5
Costco Wholesale Corporation Com 22160K105   9,152 17 SH   DFND 0 17 0 0
Cummins, Inc. Com 231021106   380,243 1,551 SH   SOLE 0 1,551 0 0
Cummins, Inc. Com 231021106   11,032 45 SH   DFND 0 45 0 0
Danaher Corp. Com Com 235851102   412,800 1,720 SH   SOLE 0 1,720 0 0
Darden Restaurants Inc. Com 237194105   1,239,901 7,421 SH   SOLE 0 7,421 0 0
Darden Restaurants Inc. Com 237194105   35,922 215 SH   DFND 0 215 0 0
Deere & Co. Com 244199105   2,110,635 5,209 SH   SOLE 0 5,199 0 10
Deere & Co. Com 244199105   143,032 353 SH   DFND 0 353 0 0
The Walt Disney Company Com 254687106   1,952,821 21,873 SH   SOLE 0 21,873 0 0
The Walt Disney Company Com 254687106   84,637 948 SH   DFND 0 948 0 0
Dominion Energy Inc. Com 25746U109   579,530 11,190 SH   SOLE 0 11,190 0 0
Dominion Energy Inc. Com 25746U109   49,718 960 SH   DFND 0 960 0 0
Dow Inc Com 260557103   705,322 13,243 SH   SOLE 0 13,243 0 0
Dow Inc Com 260557103   57,255 1,075 SH   DFND 0 1,075 0 0
Duke Energy Corp Com 26441C204   2,149,991 23,958 SH   SOLE 0 23,958 0 0
Duke Energy Corp Com 26441C204   121,598 1,355 SH   DFND 0 1,355 0 0
Dupont De Nemours Inc Com 26614N102   1,210,622 16,946 SH   SOLE 0 16,916 0 30
Dupont De Nemours Inc Com 26614N102   88,014 1,232 SH   DFND 0 1,232 0 0
Edwards Lifesciences Corp Com 28176E108   381,848 4,048 SH   SOLE 0 4,048 0 0
Emerson Electric Co Com 291011104   1,703,942 18,851 SH   SOLE 0 18,851 0 0
Emerson Electric Co Com 291011104   35,614 394 SH   DFND 0 394 0 0
Entergy Corp. Com 29364G103   559,878 5,750 SH   SOLE 0 5,750 0 0
Entergy Corp. Com 29364G103   64,264 660 SH   DFND 0 660 0 0
Exelon Corp. Com 30161N101   563,190 13,824 SH   SOLE 0 13,784 0 40
Exelon Corp. Com 30161N101   70,073 1,720 SH   DFND 0 1,720 0 0
Exxon Mobil Corporation Com 30231G102   2,549,654 23,773 SH   SOLE 0 23,773 0 0
Exxon Mobil Corporation Com 30231G102   202,166 1,885 SH   DFND 0 1,885 0 0
Meta Platforms Inc Com 30303M102   410,955 1,432 SH   SOLE 0 1,432 0 0
Fedex Corp. Com 31428X106   373,090 1,505 SH   SOLE 0 1,505 0 0
GE Healthcare Technologies Inc Com 36266G107   298,638 3,676 SH   SOLE 0 3,676 0 0
GE Healthcare Technologies Inc Com 36266G107   45,169 556 SH   DFND 0 556 0 0
General Electric Co Com 369604301   1,218,456 11,092 SH   SOLE 0 11,092 0 0
General Electric Co Com 369604301   183,779 1,673 SH   DFND 0 1,673 0 0
Gilead Sciences, Inc. Com 375558103   689,777 8,950 SH   SOLE 0 8,950 0 0
Gilead Sciences, Inc. Com 375558103   23,121 300 SH   DFND 0 300 0 0
GSK PLC SPON ADR Com 37733W204   246,629 6,920 SH   DFND 0 6,920 0 0
Global X US Preferred ETF Pfd Stk 37954Y657   2,063,872 106,440 SH   SOLE 0 106,440 0 0
Global X US Preferred ETF Pfd Stk 37954Y657   49,037 2,529 SH   DFND 0 2,529 0 0
Goldman Sachs Group Inc. Com 38141G104   1,835,898 5,692 SH   SOLE 0 5,692 0 0
Goldman Sachs Group Inc. Com 38141G104   35,157 109 SH   DFND 0 109 0 0
Goldman Sachs Active Beta ETF Com 381430503   829,699 9,504 SH   SOLE 0 9,504 0 0
Goldman Sachs Active Beta ETF Com 381430503   120,474 1,380 SH   DFND 0 1,380 0 0
HP Inc. Com 40434L105   228,482 7,440 SH   SOLE 0 7,440 0 0
HP Inc. Com 40434L105   40,691 1,325 SH   DFND 0 1,325 0 0
Home Depot, Inc. Com 437076102   2,818,126 9,072 SH   SOLE 0 9,062 0 10
Home Depot, Inc. Com 437076102   383,640 1,235 SH   DFND 0 1,235 0 0
Honeywell International Inc. Com 438516106   836,640 4,032 SH   SOLE 0 4,022 0 10
Honeywell International Inc. Com 438516106   210,613 1,015 SH   DFND 0 1,015 0 0
Humana Inc Com 444859102   294,659 659 SH   SOLE 0 659 0 0
Independent Bank Corp Mass Com 453836108   252,149 5,665 SH   SOLE 0 5,665 0 0
Independent Bank Corp Mass Com 453836108   121,735 2,735 SH   DFND 0 2,735 0 0
Intel Corp Com 458140100   2,853,201 85,323 SH   SOLE 0 85,323 0 0
Intel Corp Com 458140100   198,299 5,930 SH   DFND 0 5,930 0 0
International Business Machines Com 459200101   1,959,380 14,643 SH   SOLE 0 14,643 0 0
International Business Machines Com 459200101   335,863 2,510 SH   DFND 0 2,510 0 0
International Paper Com 460146103   243,633 7,659 SH   SOLE 0 7,659 0 0
International Paper Com 460146103   46,061 1,448 SH   DFND 0 1,448 0 0
Intuit Inc Com 461202103   632,302 1,380 SH   SOLE 0 1,380 0 0
Invesco II Pfd-ETF Pfd Stk 46138E511   6,322,721 556,088 SH   SOLE 0 555,488 0 600
Invesco II Pfd-ETF Pfd Stk 46138E511   445,306 39,165 SH   DFND 0 39,165 0 0
Iron Mountain Inc. Com 46284V101   68,184 1,200 SH   SOLE 0 1,200 0 0
Iron Mountain Inc. Com 46284V101   572,632 10,078 SH   DFND 0 10,078 0 0
IShares MSCI Emerging Mkts Min Vol Factor ETF Com 464286533   1,556,044 28,302 SH   SOLE 0 28,302 0 0
IShares MSCI Emerging Mkts Min Vol Factor ETF Com 464286533   5,608 102 SH   DFND 0 102 0 0
iShares S&P 500 Index - ETF Com 464287200   604,828 1,357 SH   SOLE 0 1,357 0 0
Ishares Core U.S. Aggregate-ETF Com 464287226   5,251,100 53,610 SH   SOLE 0 53,610 0 0
Ishares Core U.S. Aggregate-ETF Com 464287226   163,283 1,667 SH   DFND 0 1,667 0 0
iShares S&P SmallCap 600 Index - ETF Com 464287804   341,102 3,423 SH   SOLE 0 3,423 0 0
IShares Tr Short-Term Corp Bd-ETF Com 464288646   273,025 5,442 SH   SOLE 0 5,442 0 0
IShares Tr Short-Term Corp Bd-ETF Com 464288646   65,974 1,315 SH   DFND 0 1,315 0 0
Ishares MSCI International Quality-ETF Com 46434V456   3,874,811 108,843 SH   SOLE 0 108,843 0 0
Ishares MSCI International Quality-ETF Com 46434V456   43,503 1,222 SH   DFND 0 1,222 0 0
JPMorgan Chase & Company Com 46625H100   7,969,094 54,793 SH   SOLE 0 54,748 0 45
JPMorgan Chase & Company Com 46625H100   763,560 5,250 SH   DFND 0 5,250 0 0
Johnson & Johnson Com 478160104   4,931,999 29,797 SH   SOLE 0 29,797 0 0
Johnson & Johnson Com 478160104   446,738 2,699 SH   DFND 0 2,699 0 0
Kimberly-Clark Corp Com 494368103   781,420 5,660 SH   SOLE 0 5,660 0 0
Kimberly-Clark Corp Com 494368103   141,512 1,025 SH   DFND 0 1,025 0 0
Lilly, Eli & Co Com 532457108   3,308,185 7,054 SH   SOLE 0 7,054 0 0
Lilly, Eli & Co Com 532457108   332,976 710 SH   DFND 0 710 0 0
Lockheed Martin Corporation Com 539830109   1,899,068 4,125 SH   SOLE 0 4,125 0 0
Lockheed Martin Corporation Com 539830109   161,133 350 SH   DFND 0 350 0 0
Lowe's Companies, Inc. Com 548661107   4,144,303 18,362 SH   SOLE 0 18,347 0 15
Lowe's Companies, Inc. Com 548661107   223,217 989 SH   DFND 0 989 0 0
McDonald's Corp. Com 580135101   5,037,161 16,880 SH   SOLE 0 16,880 0 0
McDonald's Corp. Com 580135101   424,339 1,422 SH   DFND 0 1,422 0 0
Merck & Co. Inc. Com 58933Y105   4,900,729 42,471 SH   SOLE 0 42,471 0 0
Merck & Co. Inc. Com 58933Y105   419,443 3,635 SH   DFND 0 3,635 0 0
MetLife Inc. Com Com 59156R108   648,738 11,476 SH   SOLE 0 11,476 0 0
MetLife Inc. Com Com 59156R108   6,049 107 SH   DFND 0 107 0 0
Microsoft Corp Com 594918104   17,608,642 51,708 SH   SOLE 0 51,683 0 25
Microsoft Corp Com 594918104   1,139,447 3,346 SH   DFND 0 3,346 0 0
Microchip Technology Inc. Com 595017104   1,071,407 11,959 SH   SOLE 0 11,959 0 0
Microchip Technology Inc. Com 595017104   140,656 1,570 SH   DFND 0 1,570 0 0
National Grid Plc-SP ADR Com 636274409   657,881 9,771 SH   SOLE 0 9,771 0 0
National Grid Plc-SP ADR Com 636274409   70,360 1,045 SH   DFND 0 1,045 0 0
NextEra Energy Inc. Com 65339F101   3,039,009 40,957 SH   SOLE 0 40,932 0 25
NextEra Energy Inc. Com 65339F101   238,182 3,210 SH   DFND 0 3,210 0 0
Nike Inc. Class B Com 654106103   2,316,666 20,990 SH   SOLE 0 20,970 0 20
Nike Inc. Class B Com 654106103   94,256 854 SH   DFND 0 854 0 0
Nucor Corporation Com 670346105   501,779 3,060 SH   SOLE 0 3,060 0 0
Nucor Corporation Com 670346105   35,256 215 SH   DFND 0 215 0 0
Nvidia Corporation Com 67066G104   5,077,932 12,004 SH   SOLE 0 11,994 0 10
Nvidia Corporation Com 67066G104   202,627 479 SH   DFND 0 479 0 0
Oracle Corp. Com 68389X105   482,791 4,054 SH   SOLE 0 4,054 0 0
Oracle Corp. Com 68389X105   16,792 141 SH   DFND 0 141 0 0
PPL Corporation Com 69351T106   346,097 13,080 SH   SOLE 0 13,080 0 0
PPL Corporation Com 69351T106   22,491 850 SH   DFND 0 850 0 0
Pepsico Inc Com 713448108   2,114,842 11,418 SH   SOLE 0 11,418 0 0
Pepsico Inc Com 713448108   293,203 1,583 SH   DFND 0 1,583 0 0
Pfizer, Inc Com 717081103   2,222,111 60,581 SH   SOLE 0 60,581 0 0
Pfizer, Inc Com 717081103   296,925 8,095 SH   DFND 0 8,095 0 0
Philip Morris Intl Inc. Com 718172109   714,188 7,316 SH   SOLE 0 7,316 0 0
Phillips 66 Com 718546104   54,748 574 SH   SOLE 0 574 0 0
Phillips 66 Com 718546104   186,182 1,952 SH   DFND 0 1,952 0 0
T Rowe Price Group Inc Com 74144T108   516,188 4,608 SH   SOLE 0 4,608 0 0
T Rowe Price Group Inc Com 74144T108   19,940 178 SH   DFND 0 178 0 0
Principal Financial Group Inc. Com 74251V102   716,916 9,453 SH   SOLE 0 9,453 0 0
Principal Financial Group Inc. Com 74251V102   44,746 590 SH   DFND 0 590 0 0
Procter & Gamble Co Com 742718109   5,433,809 35,810 SH   SOLE 0 35,810 0 0
Procter & Gamble Co Com 742718109   474,643 3,128 SH   DFND 0 3,128 0 0
Prudential Financial Inc. Com 744320102   407,135 4,615 SH   SOLE 0 4,590 0 25
Prudential Financial Inc. Com 744320102   5,293 60 SH   DFND 0 60 0 0
Public Storage Com 74460D109   1,464,654 5,018 SH   SOLE 0 5,018 0 0
Qualcomm Inc Com 747525103   4,771,480 40,083 SH   SOLE 0 40,083 0 0
Qualcomm Inc Com 747525103   248,913 2,091 SH   DFND 0 2,091 0 0
RTX Corporation Com 75513E101   3,052,923 31,165 SH   SOLE 0 31,155 0 10
RTX Corporation Com 75513E101   164,573 1,680 SH   DFND 0 1,680 0 0
Regeneron Pharmaceuticals Com 75886F107   1,862,456 2,592 SH   SOLE 0 2,592 0 0
Regeneron Pharmaceuticals Com 75886F107   37,364 52 SH   DFND 0 52 0 0
S&P Global Com 78409V104   64,142 160 SH   SOLE 0 160 0 0
S&P Global Com 78409V104   192,427 480 SH   DFND 0 480 0 0
MFC SPDR Series Trust S&P 500 Growth - ETF Com 78464A409   693,989 11,375 SH   SOLE 0 11,375 0 0
MFC SPDR Series Trust S&P 500 Growth - ETF Com 78464A409   112,563 1,845 SH   DFND 0 1,845 0 0
Salesforce Inc Com 79466L302   4,729,689 22,388 SH   SOLE 0 22,388 0 0
Salesforce Inc Com 79466L302   114,503 542 SH   DFND 0 542 0 0
Select Sector SPDR-Materials - ETF Com 81369Y100   199,551 2,408 SH   SOLE 0 2,408 0 0
Select Sector SPDR-Materials - ETF Com 81369Y100   13,425 162 SH   DFND 0 162 0 0
Select Sector SPDR-Health Care - ETF Com 81369Y209   1,664,036 12,537 SH   SOLE 0 12,537 0 0
Select Sector SPDR-Health Care - ETF Com 81369Y209   64,905 489 SH   DFND 0 489 0 0
Select Sector SPDR-Consumer Staples - ETF Com 81369Y308   717,891 9,679 SH   SOLE 0 9,679 0 0
Select Sector SPDR-Consumer Staples - ETF Com 81369Y308   29,742 401 SH   DFND 0 401 0 0
Select Sector SPDR-Cons. Discretionary - ETF Com 81369Y407   1,142,482 6,728 SH   SOLE 0 6,728 0 0
Select Sector SPDR-Cons. Discretionary - ETF Com 81369Y407   52,301 308 SH   DFND 0 308 0 0
Select Sector SPDR-Energy - ETF Com 81369Y506   457,393 5,635 SH   SOLE 0 5,635 0 0
Select Sector SPDR-Energy - ETF Com 81369Y506   17,127 211 SH   DFND 0 211 0 0
Select Sector SPDR-Financial - ETF Com 81369Y605   1,151,062 34,146 SH   SOLE 0 34,146 0 0
Select Sector SPDR-Financial - ETF Com 81369Y605   51,543 1,529 SH   DFND 0 1,529 0 0
Select Sector SPDR-Industrial - ETF Com 81369Y704   1,046,585 9,752 SH   SOLE 0 9,752 0 0
Select Sector SPDR-Industrial - ETF Com 81369Y704   44,323 413 SH   DFND 0 413 0 0
Select Sector SPDR-Technology - ETF Com 81369Y803   3,128,263 17,993 SH   SOLE 0 17,993 0 0
Select Sector SPDR-Technology - ETF Com 81369Y803   153,345 882 SH   DFND 0 882 0 0
Select Sector SPDR- Comm Services-ETF Com 81369Y852   1,033,015 15,873 SH   SOLE 0 15,873 0 0
Select Sector SPDR- Comm Services-ETF Com 81369Y852   25,902 398 SH   DFND 0 398 0 0
Select Sector SPDR-Real Estate - ETF Com 81369Y860   340,755 9,041 SH   SOLE 0 9,041 0 0
Select Sector SPDR-Real Estate - ETF Com 81369Y860   6,483 172 SH   DFND 0 172 0 0
Select Sector SPDR Fund-Utilities - ETF Com 81369Y886   227,535 3,477 SH   SOLE 0 3,477 0 0
Select Sector SPDR Fund-Utilities - ETF Com 81369Y886   10,274 157 SH   DFND 0 157 0 0
Service Corp. Intl. Com 817565104   288,071 4,460 SH   DFND 0 4,460 0 0
Southern Co Com 842587107   778,511 11,082 SH   SOLE 0 11,082 0 0
Southern Co Com 842587107   4,215 60 SH   DFND 0 60 0 0
Southern Copper Corporation Com 84265V105   450,169 6,275 SH   SOLE 0 6,275 0 0
Southern Copper Corporation Com 84265V105   1,435 20 SH   DFND 0 20 0 0
Starbucks Corporation Com 855244109   753,748 7,609 SH   SOLE 0 7,609 0 0
Starbucks Corporation Com 855244109   11,095 112 SH   DFND 0 112 0 0
State Street Corp. Com 857477103   247,348 3,380 SH   SOLE 0 3,380 0 0
State Street Corp. Com 857477103   7,318 100 SH   DFND 0 100 0 0
Stryker Corp Com 863667101   2,902,931 9,515 SH   SOLE 0 9,515 0 0
Stryker Corp Com 863667101   124,782 409 SH   DFND 0 409 0 0
Sysco Corp Com 871829107   1,425,159 19,207 SH   SOLE 0 19,207 0 0
Sysco Corp Com 871829107   72,419 976 SH   DFND 0 976 0 0
TJX Companies Inc. Com 872540109   1,989,682 23,466 SH   SOLE 0 23,466 0 0
TJX Companies Inc. Com 872540109   59,947 707 SH   DFND 0 707 0 0
Target Corp. Com 87612E106   2,428,675 18,413 SH   SOLE 0 18,413 0 0
Target Corp. Com 87612E106   226,472 1,717 SH   DFND 0 1,717 0 0
Thermo Fisher Scientific Inc Com 883556102   347,486 666 SH   SOLE 0 666 0 0
Thermo Fisher Scientific Inc Com 883556102   7,826 15 SH   DFND 0 15 0 0
3M Company Com 88579Y101   209,388 2,092 SH   SOLE 0 2,092 0 0
3M Company Com 88579Y101   47,343 473 SH   DFND 0 473 0 0
Toronto Dominion Bank Com 891160509   1,452,460 23,423 SH   SOLE 0 23,423 0 0
Toronto Dominion Bank Com 891160509   242,087 3,904 SH   DFND 0 3,904 0 0
The Travelers Companies Inc. Com 89417E109   431,719 2,486 SH   SOLE 0 2,486 0 0
The Travelers Companies Inc. Com 89417E109   34,732 200 SH   DFND 0 200 0 0
Truist Financial Corp Com 89832Q109   606,514 19,984 SH   SOLE 0 19,984 0 0
Truist Financial Corp Com 89832Q109   257,793 8,494 SH   DFND 0 8,494 0 0
Union Pacific Corp Com 907818108   2,239,566 10,945 SH   SOLE 0 10,945 0 0
Union Pacific Corp Com 907818108   68,752 336 SH   DFND 0 336 0 0
United Parcel Service Com 911312106   3,014,089 16,815 SH   SOLE 0 16,810 0 5
United Parcel Service Com 911312106   282,319 1,575 SH   DFND 0 1,575 0 0
UnitedHealth Group Inc. Com 91324P102   4,159,939 8,655 SH   SOLE 0 8,650 0 5
UnitedHealth Group Inc. Com 91324P102   139,866 291 SH   DFND 0 291 0 0
MFC Vaneck ETF TR Com 92189F429   1,510,449 85,481 SH   SOLE 0 85,481 0 0
MFC Vaneck ETF TR Com 92189F429   192,179 10,876 SH   DFND 0 10,876 0 0
Vanguard Mega Cap Value ETF Com 921910840   720,094 6,940 SH   SOLE 0 6,940 0 0
Vanguard Mega Cap Value ETF Com 921910840   93,384 900 SH   DFND 0 900 0 0
Vanguard Russell 2000 ETF Com 92206C664   311,933 4,125 SH   SOLE 0 4,125 0 0
Vanguard Russell 2000 ETF Com 92206C664   2,722 36 SH   DFND 0 36 0 0
Vanguard Real Estate-ETF Com 922908553   6,084,254 72,813 SH   SOLE 0 72,813 0 0
Vanguard Real Estate-ETF Com 922908553   179,069 2,143 SH   DFND 0 2,143 0 0
Vanguard Index Mid-Cap ETF Com 922908629   719,703 3,269 SH   SOLE 0 3,269 0 0
Vanguard Index Mid-Cap ETF Com 922908629   3,963 18 SH   DFND 0 18 0 0
Verizon Communications Inc. Com 92343V104   3,463,691 93,135 SH   SOLE 0 93,085 0 50
Verizon Communications Inc. Com 92343V104   325,598 8,755 SH   DFND 0 8,755 0 0
Visa, Inc. Com 92826C839   3,766,433 15,860 SH   SOLE 0 15,860 0 0
Visa, Inc. Com 92826C839   157,687 664 SH   DFND 0 664 0 0
Wal-Mart Stores Inc Com 931142103   4,908,417 31,228 SH   SOLE 0 31,228 0 0
Wal-Mart Stores Inc Com 931142103   488,830 3,110 SH   DFND 0 3,110 0 0
WisdomTree U.S. Midcap Dividend Fund-ETF Com 97717W505   601,441 14,303 SH   SOLE 0 14,303 0 0
WisdomTree U.S. Midcap Dividend Fund-ETF Com 97717W505   18,292 435 SH   DFND 0 435 0 0
WisdomTree U.S. Small Cap Dividend Fund ETF Com 97717W604   425,315 14,773 SH   SOLE 0 14,773 0 0
WisdomTree U.S. Small Cap Dividend Fund ETF Com 97717W604   8,925 310 SH   DFND 0 310 0 0
Wisdomtree International Equity Fund ETF Com 97717W703   1,272,063 25,426 SH   SOLE 0 25,426 0 0
Wisdomtree International Equity Fund ETF Com 97717W703   16,260 325 SH   DFND 0 325 0 0
Accenture PLC Cl A Com G1151C101   1,198,216 3,883 SH   SOLE 0 3,883 0 0
Accenture PLC Cl A Com G1151C101   34,870 113 SH   DFND 0 113 0 0
Eaton Corp PLC Com G29183103   2,406,765 11,968 SH   SOLE 0 11,958 0 10
Eaton Corp PLC Com G29183103   774,235 3,850 SH   DFND 0 3,850 0 0
Linde Plc Com G54950103   2,762,449 7,249 SH   SOLE 0 7,249 0 0
Linde Plc Com G54950103   73,548 193 SH   DFND 0 193 0 0
Medtronic Hldg Ltd Com G5960L103   2,825,808 32,075 SH   SOLE 0 32,075 0 0
Medtronic Hldg Ltd Com G5960L103   86,602 983 SH   DFND 0 983 0 0
Chubb Ltd Com H1467J104   3,051,113 15,845 SH   SOLE 0 15,845 0 0
Chubb Ltd Com H1467J104   134,792 700 SH   DFND 0 700 0 0
Check Point Software Com M22465104   235,538 1,875 SH   SOLE 0 1,875 0 0
Check Point Software Com M22465104   12,562 100 SH   DFND 0 100 0 0