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
ABB LTD SPONSORED ADR COM 000375204 770 22,991 SH   SOLE   22,991 0 0
ACCENTURE PLC - CL A COM G1151C101 3,863 12,082 SH   SOLE   12,082 0 0
ALPHABET INC CAP STK CL A 02079K305 5,044 1,890 SH   SOLE   1,890 0 0
AMGEN INC COM 031162100 978 4,591 SH   SOLE   4,591 0 0
ANALOG DEVICES INC COM 032654105 1,136 6,782 SH   SOLE   6,782 0 0
APPLE INC COM 037833100 4,842 34,227 SH   SOLE   34,227 0 0
ASML HOLDING NV COM N07059210 3,379 4,537 SH   SOLE   4,537 0 0
ASTRAZENECA-ADR SPONSORED ADR 046353108 328 5,437 SH   SOLE   5,437 0 0
AUTOLIV INC COM 052800109 351 4,105 SH   SOLE   4,105 0 0
BANK OF AMERICA CORP COM 060505104 3,149 74,237 SH   SOLE   74,237 0 0
BAXTER INTERNATIONAL INC COM 071813109 1,326 16,543 SH   SOLE   16,543 0 0
BECTON DICKINSON AND CO COM 075887109 1,450 5,927 SH   SOLE   5,927 0 0
BLACKROCK INC COM 09247X101 2,224 2,650 SH   SOLE   2,650 0 0
BRITISH AMERICAN TOBACCO PLC ADR SPONSORED ADR 110448107 648 18,367 SH   SOLE   18,367 0 0
BROADCOM INC COM 11135F101 2,310 4,762 SH   SOLE   4,762 0 0
CHEVRON CORP COM 166764100 1,828 18,025 SH   SOLE   18,025 0 0
CISCO SYSTEMS INC COM 17275R102 1,632 29,981 SH   SOLE   29,981 0 0
COCA COLA CO COM 191216100 1,206 22,945 SH   SOLE   22,945 0 0
COSTCO WHOLESALE CORPORATION COM 22160K105 2,265 5,039 SH   SOLE   5,039 0 0
CSX CORP COM 126408103 2,000 67,266 SH   SOLE   67,266 0 0
DIAGEO PLC-ADR COM 25243Q205 930 4,828 SH   SOLE   4,828 0 0
DISNEY WALT CO COM 254687106 2,712 16,018 SH   SOLE   16,018 0 0
EATON CORP PLC COM G29183103 3,300 22,097 SH   SOLE   22,097 0 0
EQUIFAX INC COM 294429105 1,551 6,108 SH   SOLE   6,108 0 0
EQUINOR ASA NPV - ADR SPONSORED ADR 29446M102 656 25,644 SH   SOLE   25,644 0 0
GLAXOSMITHKL-ADR COM 37733W105 343 8,952 SH   SOLE   8,952 0 0
HOME DEPOT INC COM 437076102 2,047 6,216 SH   SOLE   6,216 0 0
INTEL CORP COM 458140100 1,301 24,426 SH   SOLE   24,426 0 0
JOHNSON AND JOHNSON COM 478160104 1,805 11,174 SH   SOLE   11,174 0 0
JPMORGAN CHASE & CO COM 46625H100 3,200 19,566 SH   SOLE   19,566 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109 2,066 9,406 SH   SOLE   9,406 0 0
LILLY ELI AND CO COM 532457108 1,675 7,241 SH   SOLE   7,241 0 0
LINDE PLC SHS G5494J103 634 2,162 SH   SOLE   2,162 0 0
MASTERCARD INC. COM 57636Q104 3,661 10,532 SH   SOLE   10,532 0 0
MCDONALDS CORP. COM 580135101 2,019 8,365 SH   SOLE   8,365 0 0
MEDTRONIC PLC COM G5960L103 1,886 15,011 SH   SOLE   15,011 0 0
MICROSOFT CORP COM 594918104 5,435 19,271 SH   SOLE   19,271 0 0
NEXTERA ENERGY INC COM 65339F101 1,891 24,126 SH   SOLE   24,126 0 0
NIKE INC COM 654106103 2,050 14,093 SH   SOLE   14,093 0 0
NOVARTIS AG-ADR COM 66987V109 492 6,045 SH   SOLE   6,045 0 0
NOVO NORDISH A/S ADR COM 670100205 1,101 11,437 SH   SOLE   11,437 0 0
NVENT ELECTRIC PLC COM G6700G107 352 10,904 SH   SOLE   10,904 0 0
OTIS WORLDWIDE CORP COM 68902V107 3 36 SH   SOLE   36 0 0
PEPSICO INC COM 713448108 1,443 9,591 SH   SOLE   9,591 0 0
PFIZER INC. COM 717081103 1,745 40,565 SH   SOLE   40,565 0 0
PROCTER AND GAMBLE COM 742718109 1,765 12,653 SH   SOLE   12,653 0 0
PROSHARES SNP 500 DIVIDEND ARISTROC S&P 500 DV ARIST 74348A467 1,397 15,770 SH   SOLE   15,770 0 0
PRUDENTIAL FINANCIAL INC COM 744320102 1,351 12,863 SH   SOLE   12,863 0 0
QUALCOMM INC COM 747525103 2,388 18,506 SH   SOLE   18,506 0 0
RELX PLC SPON ADR COM 759530108 858 29,861 SH   SOLE   29,861 0 0
ROSS STORES INC COM 778296103 1,227 11,218 SH   SOLE   11,218 0 0
ROYAL DUTCH SHELL PLC-ADR COM 780259206 602 13,547 SH   SOLE   13,547 0 0
SANOFI-AVENTIS-ADR COM 80105N105 661 13,639 SH   SOLE   13,639 0 0
SAP AG-SPONS ADR COM 803054204 1,568 11,581 SH   SOLE   11,581 0 0
STARBUCKS CORP COM 855244109 2,090 18,963 SH   SOLE   18,963 0 0
STRYKER CORP COM 863667101 2,039 7,729 SH   SOLE   7,729 0 0
TARGET CORPORATION COM 87612E106 2,310 10,088 SH   SOLE   10,088 0 0
TE CONNECTIVITY LTD COM H84989104 852 6,222 SH   SOLE   6,222 0 0
TEXAS INSTRUMENTS COM 882508104 2,036 10,598 SH   SOLE   10,598 0 0
TJX COMPANIES INC COM 872540109 2,016 30,572 SH   SOLE   30,572 0 0
TRUIST FINL CORP COM 89832Q109 2,107 35,981 SH   SOLE   35,981 0 0
UNILEVER PLC-ADR COM 904767704 730 13,502 SH   SOLE   13,502 0 0
UNION PACIFIC CORPORATION COM 907818108 1,864 9,487 SH   SOLE   9,487 0 0
UNITEDHEALTH GROUP COM 91324P102 2,840 7,270 SH   SOLE   7,270 0 0
VALERO ENERGY CORP COM 91913Y100 1,141 16,215 SH   SOLE   16,215 0 0
ALPHABET INC CAP STK CL C 02079K107 487 636 SH   DFND 1 0 636 0
ALPHABET INC CAP STK CL A 02079K305 1,712 181 SH   DFND 1 0 181 0
AMAZON COM INC COM 023135106 56 17 SH   DFND 1 0 17 0
APPLE INC COM 037833100 300 2,115 SH   DFND 1 0 2,115 0
BERKSHIRE HATHAWAY INC CL B NEW 084670702 138 500 SH   DFND 1 0 500 0
BOEING CO COM 097023105 55 250 SH   DFND 1 0 250 0
BOOKING HOLDINGS INC COM 09857L108 2,268 947 SH   DFND 1 0 947 0
BOSTON SCIENTIFI C CORP COM 101137107 105 2,400 SH   DFND 1 0 2,400 0
CENTENE CORP DEL COM COM 15135B101 72 1,050 SH   DFND 1 0 1,050 0
CHEVRON CORP COM 166764100 108 18,533 SH   DFND 1 0 18,533 0
CONOCOPHILLIPS COM 20825C104 1,258 6,083 SH   DFND 1 0 6,083 0
COSTCO WHOLESALE CORPORATION COM 22160K105 2,734 785 SH   DFND 1 0 785 0
CVS HEALTH COPRP COM 126650100 67 1,150 SH   DFND 1 0 1,150 0
DEXCOM INC COM 252131107 144 265 SH   DFND 1 0 265 0
DISNEY WALT CO COM 254687106 69 400 SH   DFND 1 0 400 0
EXXON MOBIL CORP COM 30231G102 1,982 33,290 SH   DFND 1 0 33,290 0
FACEBOOK INC CL A 30303M102 2,015 5,929 SH   DFND 1 0 5,929 0
GENERAL ELECTRIC CO COM NEW 369604301 33 319 SH   DFND 1 0 319 0
GILEAD SCIENCES INC COM 375558103 49 700 SH   DFND 1 0 700 0
GOLDMANSACHS GROUP INC COM 38141G104 2,196 5,717 SH   DFND 1 0 5,717 0
HILTON WORLDWIDE HLDGS INC COM 43300A203 128 950 SH   DFND 1 0 950 0
HUMANA INC COM 444859102 67 170 SH   DFND 1 0 170 0
INTUITIVE SURGICAL INC COM NEW 46120E602 2,340 2,357 SH   DFND 1 0 2,357 0
ISHARES TRU.S. MED DV U.S. MED DVC ETF 464288810 708 799 SH   DFND 1 0 799 0
ISHARES TRUS CONSUM DISCRE U.S. CNSM SV ETF 464287580 62 11,220 SH   DFND 1 0 11,220 0
JOHNSON AND JOHNSON COM 478160104 42 18,144 SH   DFND 1 0 18,144 0
JPMORGAN CHASE & CO COM 46625H100 2,998 255 SH   DFND 1 0 255 0
MERCK & CO INC COM 58933Y105 60 800 SH   DFND 1 0 800 0
MICROSOFT CORP COM 594918104 296 1,045 SH   DFND 1 0 1,045 0
NIKE INC CL B 654106103 2,217 15,238 SH   DFND 1 0 15,238 0
ORACLE CORP COM 68389X105 81 900 SH   DFND 1 0 900 0
ORGANON & CO COM 68622V106 3 80 SH   DFND 1 0 80 0
PAYPAL HLDGS INC COM 70450Y103 2,063 7,922 SH   DFND 1 0 7,922 0
PROLOGIS INC COM 74340W103 2,377 18,892 SH   DFND 1 0 18,892 0
RAYTHEON THECHNOLOGIES CORP COM 75513E101 60 690 SH   DFND 1 0 690 0
SALESFORCE COM INC COM 79466L302 2,366 8,719 SH   DFND 1 0 8,719 0
TELADOC HEALTH INC COM 87918A105 66 520 SH   DFND 1 0 520 0
VERTEX PHARMACEUTICALS INC COM 92532F100 136 750 SH   DFND 1 0 750 0
VIATRIS INC COM 92556V106 2 149 SH   DFND 1 0 149 0