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 CO COM 88579Y101 405 2,531 SH   DFND   2,531 0 0
AT&T INC COM 00206R102 2,484 87,112 SH   DFND   87,112 0 0
ABBOTT LABS COM 002824100 668 6,138 SH   DFND   6,138 0 0
ABBVIE INC COM 00287Y109 529 6,034 SH   DFND   6,034 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 686 3,036 SH   DFND   3,036 0 0
AIR PRODS & CHEMS INC COM 009158106 412 1,384 SH   DFND   1,384 0 0
ALBEMARLE CORP COM 012653101 1,269 14,213 SH   DFND   14,213 0 0
ALPHABET INC CAP STK CL A 02079K305 4,039 2,756 SH   DFND   2,756 0 0
ALPHABET INC CAP STK CL C 02079K107 2,025 1,378 SH   DFND   1,378 0 0
ALTRIA GROUP INC COM 02209S103 903 23,367 SH   DFND   23,367 0 0
AMAZON COM INC COM 023135106 1,921 610 SH   DFND   610 0 0
APPLE INC COM 037833100 10,433 90,088 SH   DFND   90,088 0 0
APPLIED MATLS INC COM 038222105 910 15,300 SH   DFND   15,300 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 388 2,783 SH   DFND   2,783 0 0
AVANGRID INC COM 05351W103 1,259 24,950 SH   DFND   24,950 0 0
BK OF AMERICA CORP COM 060505104 1,605 66,610 SH   DFND   66,610 0 0
BCE INC COM NEW 05534B760 1,708 41,185 SH   DFND   41,185 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 391 1,838 SH   DFND   1,838 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 3,403 56,439 SH   DFND   56,439 0 0
BRISTOL-MYERS SQUIBB CO RIGHT 12/30/2030 110122140 28 12,267 SH   DFND   12,267 0 0
CHEVRON CORP NEW COM 166764100 248 3,449 SH   DFND   3,449 0 0
COCA COLA CO COM 191216100 569 11,535 SH   DFND   11,535 0 0
COLGATE PALMOLIVE CO COM 194162103 512 6,636 SH   DFND   6,636 0 0
CONAGRA BRANDS INC COM 205887102 1,601 44,830 SH   DFND   44,830 0 0
CONSOLIDATED EDISON INC COM 209115104 439 5,645 SH   DFND   5,645 0 0
COSTCO WHSL CORP NEW COM 22160K105 203 573 SH   DFND   573 0 0
CSX CORP COM 126408103 224 2,880 SH   DFND   2,880 0 0
DOMINION ENERGY INC COM 25746U109 362 4,585 SH   DFND   4,585 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 206 2,325 SH   DFND   2,325 0 0
ENTERPRISE PRODS PARTNERS L COM 293792107 361 22,865 SH   DFND   22,865 0 0
ESSENTIAL UTILS INC COM 29670G102 239 5,930 SH   DFND   5,930 0 0
EXPEDIA GROUP INC COM NEW 30212P303 618 6,745 SH   DFND   6,745 0 0
EXXON MOBIL CORP COM 30231G102 1,278 37,223 SH   DFND   37,223 0 0
FACEBOOK INC CL A 30303M102 2,482 9,476 SH   DFND   9,476 0 0
GENERAL ELECTRIC CO COM 369604103 139 22,310 SH   DFND   22,310 0 0
HOME DEPOT INC COM 437076102 2,636 9,493 SH   DFND   9,493 0 0
HONEYWELL INTL INC COM 438516106 228 1,388 SH   DFND   1,388 0 0
INTEL CORP COM 458140100 202 3,895 SH   DFND   3,895 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 518 4,254 SH   DFND   4,254 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 333 1,200 SH   DFND   1,200 0 0
ISHARES TR EXPANDED TECH 464287515 218 700 SH   DFND   700 0 0
JOHNSON & JOHNSON COM 478160104 4,849 32,568 SH   DFND   32,568 0 0
JPMORGAN CHASE & CO COM 46625H100 292 3,031 SH   DFND   3,031 0 0
KINDER MORGAN INC DEL COM 49456B101 394 31,985 SH   DFND   31,985 0 0
MCDONALDS CORP COM 580135101 395 1,800 SH   DFND   1,800 0 0
MCKESSON CORP COM 58155Q103 544 3,650 SH   DFND   3,650 0 0
MERCK & CO. INC COM 58933Y105 3,118 37,590 SH   DFND   37,590 0 0
METLIFE INC COM 59156R108 947 25,473 SH   DFND   25,473 0 0
MICROSOFT CORP COM 594918104 531 2,523 SH   DFND   2,523 0 0
MONDELEZ INTL INC CL A 609207105 3,576 62,247 SH   DFND   62,247 0 0
NEXTERA ENERGY INC COM 65339F101 342 1,231 SH   DFND   1,231 0 0
ORACLE CORP COM 68389X105 482 8,080 SH   DFND   8,080 0 0
PAYCHEX INC COM 704326107 439 5,500 SH   DFND   5,500 0 0
PAYPAL HLDGS INC COM 70450Y103 236 1,200 SH   DFND   1,200 0 0
PEOPLES UNITED FINANCIAL INC COM 712704105 889 86,260 SH   DFND   86,260 0 0
PEPSICO INC COM 713448108 4,197 30,285 SH   DFND   30,285 0 0
PFIZER INC COM 717081103 672 18,299 SH   DFND   18,299 0 0
PHILIP MORRIS INTL INC COM 718172109 1,016 13,553 SH   DFND   13,553 0 0
PPG INDS INC COM 693506107 458 3,750 SH   DFND   3,750 0 0
PPL CORP COM 69351T106 1,113 40,896 SH   DFND   40,896 0 0
PROCTER AND GAMBLE CO COM 742718109 707 5,088 SH   DFND   5,088 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 1,048 18,213 SH   DFND   18,213 0 0
SALESFORCE COM INC COM 79466L302 1,600 6,367 SH   DFND   6,367 0 0
SPDR GOLD TR GOLD SHS 78463V107 2,024 11,429 SH   DFND   11,429 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,491 4,452 SH   DFND   4,452 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 1,980 5,844 SH   DFND   5,844 0 0
STRYKER CORPORATION COM 863667101 239 1,145 SH   DFND   1,145 0 0
US BANCORP DEL COM NEW 902973304 237 6,612 SH   DFND   6,612 0 0
UNITED PARCEL SERVICE INC CL B 911312106 2,473 14,840 SH   DFND   14,840 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702 452 1,450 SH   DFND   1,450 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 1,717 28,860 SH   DFND   28,860 0 0
WALMART INC COM 931142103 393 2,806 SH   DFND   2,806 0 0
DISNEY WALT CO COM DISNEY 254687106 2,236 18,019 SH   DFND   18,019 0 0
WATERS CORP COM 941848103 333 1,700 SH   DFND   1,700 0 0
WESTERN MIDSTREAM PARTNERS L COM UNIT LP INT 958669103 221 27,672 SH   DFND   27,672 0 0
WORKDAY INC CL A 98138H101 608 2,825 SH   DFND   2,825 0 0