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 - SP ADR COM 000375204 249 9,695 SH   SOLE   9,695 0 0
AFLAC INC COM 001055102 332 5,908 SH   SOLE   5,908 0 0
AES CORPORATION COM 00130H105 256 11,340 SH   SOLE   11,340 0 0
AT&T INC COM 00206R102 44,769 2,918,467 SH   DFND   2,819,441 0 99,025
ABBOTT LABORATORIES COM 002824100 1,743 18,012 SH   DFND   17,827 0 185
ABBVIE INC COM 00287Y109 57,113 425,548 SH   DFND   407,103 0 18,444
ADOBE INC. COM 00724F101 4,711 17,118 SH   DFND   16,458 0 660
ADVANCED MICRO DEVICES INC COM 007903107 673 10,618 SH   SOLE   10,618 0 0
AGENT INFORMATION SOFTWARE I COM 00847D108 42 28,000 SH   SOLE   28,000 0 0
AIR PRODUCTS& CHEMICALS INC COM 009158106 1,770 7,605 SH   DFND   7,513 0 92
ALPHABET CLASS C COM 02079K107 5,699 59,273 SH   DFND   57,793 0 1,480
ALPHABET CLASS A COM 02079K305 4,466 46,694 SH   DFND   44,894 0 1,800
ALTRIA GROUP INC COM 02209S103 47,614 1,179,157 SH   DFND   1,124,311 0 54,845
AMAZON.COM INC COM 023135106 6,202 54,886 SH   DFND   53,006 0 1,880
AMERICAN EXPRESS CO COM 025816109 2,256 16,724 SH   DFND   16,497 0 227
AMGEN INC COM 031162100 7,753 34,396 SH   DFND   34,356 0 40
APPLE INC COM 037833100 25,343 183,378 SH   DFND   180,791 0 2,587
APPLIED MATERIALS INC COM 038222105 1,221 14,901 SH   SOLE   14,901 0 0
ARES CAPITAL CORP COM 04010L103 580 34,332 SH   SOLE   34,332 0 0
ASTRAZENECA PLC - ADR COM 046353108 5,535 100,936 SH   DFND   95,963 0 4,973
AXA - SP ADR COM 054536107 233 10,720 SH   SOLE   10,720 0 0
BAE SYSTEMS PLC - SP ADR COM 05523R107 371 10,580 SH   SOLE   10,580 0 0
BP PLC - ADR COM 055622104 501 17,550 SH   SOLE   17,550 0 0
BNP PARIBAS-ADR COM 05565A202 256 12,121 SH   SOLE   12,121 0 0
BANK OF AMERICA CORP COM 060505104 39,170 1,297,021 SH   DFND   1,236,491 0 60,530
BARCLAYS PLC - ADR COM 06738E204 259 40,540 SH   SOLE   40,540 0 0
BERKSHIRE HATHAWAY INC - CL B COM 084670702 810 3,032 SH   SOLE   3,032 0 0
BHP BILLITON LTD - SP ADR COM 088606108 1,297 25,920 SH   DFND   25,275 0 645
BLACKROCK INC COM 09247X101 38,621 70,183 SH   DFND   67,232 0 2,951
BOEING COMPANY COM 097023105 451 3,728 SH   SOLE   3,728 0 0
BORGWARNER INC COM 099724106 1,866 59,428 SH   DFND   57,695 0 1,733
BRISTOL-MYERS SQUIBB CO COM 110122108 68,027 956,913 SH   DFND   922,813 0 34,099
BRITISH AMERN TOBACCO PLC ADR COM 110448107 537 15,113 SH   SOLE   15,113 0 0
BROADCOM INC COM 11135F101 50,026 112,668 SH   DFND   107,824 0 4,844
CK HUTCHISON HOLDIN-UNSP ADR COM 12562Y100 286 52,125 SH   SOLE   52,125 0 0
CVS HEALTH CORPORATION COM 126650100 58,842 616,989 SH   DFND   594,034 0 22,955
COTERRA ENERGY COM 127097103 3,250 124,420 SH   DFND   116,770 0 7,650
CATERPILLAR INC COM 149123101 892 5,436 SH   SOLE   5,436 0 0
CHEVRON CORP COM 166764100 50,757 353,288 SH   DFND   336,823 0 16,465
CISCO SYSTEMS INC COM 17275R102 59,836 1,495,890 SH   DFND   1,440,684 0 55,205
COMCAST CORP - CL A COM 20030N101 40,677 1,386,857 SH   DFND   1,340,022 0 46,835
CONSTELLATION BRANDS INC-A COM 21036P108 4,697 20,451 SH   DFND   19,516 0 935
CORNING INC COM 219350105 30,393 1,047,317 SH   DFND   1,007,857 0 39,460
COSTCO WHOLESALE CORP COM 22160K105 1,388 2,938 SH   SOLE   2,938 0 0
DFA EMERGING MKTS CORE EQUITY FUND 233203421 3,981 216,728 SH   DFND   213,745 0 2,983
DFA US TARGETED VALUE PORT FUND 233203595 3,843 151,774 SH   DFND   146,898 0 4,875
DFA SMALL CAP VALUE FUND FUND 233203819 4,739 129,333 SH   DFND   128,740 0 593
DFA US LARGE CAP VALUE FUND FUND 233203827 5,451 145,600 SH   SOLE   145,600 0 0
DFA INTL L/C GROWTH PORT FUND 23320G265 4,168 349,655 SH   DFND   344,763 0 4,892
MERCEDES BENZ GROUP UNSP-ADR COM 233825207 164 13,015 SH   SOLE   13,015 0 0
DFA INTL VALUE FUND FUND 25434D203 10,197 677,090 SH   DFND   661,758 0 15,331
DIMENSIONAL EMERGING CORE EQ FUND 25434V302 244 12,130 SH   SOLE   12,130 0 0
DISNEY WALT CO COM 254687106 4,559 48,333 SH   DFND   45,848 0 2,485
DOMINION ENERGY INC COM 25746U109 2,465 35,672 SH   DFND   34,354 0 1,318
DOW INC COM 260557103 17,398 396,033 SH   DFND   380,233 0 15,800
DUKE ENERGY CORP COM 26441C204 230 2,470 SH   SOLE   2,470 0 0
DUPONT DE NEMOURS INC COM 26614N102 4,244 84,207 SH   DFND   80,629 0 3,578
EASTMAN CHEMICAL COMPANY COM 277432100 671 9,445 SH   DFND   9,278 0 167
EMERSON ELECTRIC COMPANY COM 291011104 4,462 60,946 SH   DFND   58,676 0 2,270
ENBRIDGE INC COM 29250N105 34,740 936,394 SH   DFND   899,594 0 36,800
ERICSSON COM 294821608 214 37,210 SH   SOLE   37,210 0 0
EVERGY INC COM 30034W106 20,385 343,185 SH   DFND   327,865 0 15,320
EXELON CORPORATION COM 30161N101 311 8,300 SH   SOLE   8,300 0 0
EXPEDIA GROUP INC. COM 30212P303 2,790 29,777 SH   DFND   28,452 0 1,325
EXXON MOBIL CORP COM 30231G102 8,864 101,523 SH   DFND   96,578 0 4,945
META PLATFORMS INC COM 30303M102 4,053 29,871 SH   DFND   28,411 0 1,460
FIDELITY 500 INDEX-INST PRM FUND 315911750 354 2,835 SH   SOLE   2,835 0 0
GENERAL ELECTRIC CO COM 369604301 281 4,531 SH   DFND   4,531 0 0
GENERAL MILLS INCORPORATED COM 370334104 3,146 41,071 SH   DFND   40,726 0 345
GENUINE PARTS CO COM 372460105 3,382 22,647 SH   DFND   17,647 0 5,000
GILEAD SCIENCES INC COM 375558103 42,326 686,100 SH   DFND   670,495 0 15,605
HOME DEPOT INC COM 437076102 29,089 105,416 SH   DFND   100,941 0 4,475
HONDA MOTOR CO LTD - SP ADR COM 438128308 257 11,920 SH   SOLE   11,920 0 0
HONEYWELL INTERNATIONAL INC COM 438516106 6,299 37,723 SH   DFND   36,383 0 1,340
IMPERIAL BRANDS PLC-SPON ADR COM 45262P102 220 10,580 SH   SOLE   10,580 0 0
INTEL CORPORATION COM 458140100 1,724 66,904 SH   DFND   66,809 0 95
INTERNATIONAL BUSINESS MACHINE COM 459200101 45,565 383,507 SH   DFND   365,782 0 17,725
INT'L FLAVORS& FRAGRANCES COM 459506101 23,945 263,626 SH   DFND   252,886 0 10,740
INVESCO QQQ TR FUND 46090E103 2,333 8,731 SH   SOLE   8,731 0 0
ISHARES MSCI EAFE ETF FUND 464287465 2,014 35,965 SH   DFND   35,210 0 755
ISHARES RUSSELL M/C GROWTH ETF FUND 464287481 4,641 59,168 SH   DFND   56,187 0 2,981
ISHARES RUSSELL 1000 VALUE ETF FUND 464287598 938 6,900 SH   DFND   5,100 0 1,800
ISHARES RUSSELL 1000 GROWTH ET FUND 464287614 3,941 18,732 SH   DFND   18,207 0 525
ISHARES RUSSELL 2000 VALUE FD FUND 464287630 608 4,718 SH   DFND   4,190 0 528
ISHARES RUSSELL 2000 INDEX FD FUND 464287655 2,205 13,370 SH   DFND   13,220 0 150
ISHARES MSCI EAFE VALUE ETF FUND 464288877 347 9,000 SH   SOLE   9,000 0 0
ISHARES MSCI EAFE GROWTH ETF FUND 464288885 207 2,850 SH   SOLE   2,850 0 0
ISHARES CORE MSCI EM MKTS ETF FUND 46434G103 2,819 65,578 SH   DFND   63,703 0 1,875
JPMORGAN CHASE& CO COM 46625H100 46,112 441,259 SH   DFND   423,355 0 17,903
JOHNSON& JOHNSON COM 478160104 33,944 207,785 SH   DFND   198,332 0 9,453
KELLOGG COMPANY COM 487836108 340 4,881 SH   DFND   4,481 0 400
LILLY ELI& COMPANY COM 532457108 4,644 14,361 SH   DFND   12,211 0 2,150
LINCOLN NATIONAL CORP COM 534187109 35,369 805,492 SH   DFND   772,742 0 32,750
LOCKHEED MARTIN CORPORATION COM 539830109 40,706 105,377 SH   DFND   101,629 0 3,748
LOWES COMPANIES INC COM 548661107 5,093 27,118 SH   DFND   24,274 0 2,844
M& T BANK CORP COM 55261F104 1,552 8,800 SH   DFND   8,385 0 415
MANULIFE FINANCIAL CORP COM 56501R106 220 14,067 SH   SOLE   14,067 0 0
MCDONALDS CORP COM 580135101 3,560 15,428 SH   DFND   13,914 0 1,514
MERCK& COMPANY INC COM 58933Y105 762 8,842 SH   SOLE   8,842 0 0
METLIFE INC COM 59156R108 5,486 90,267 SH   DFND   88,532 0 1,735
MICROSOFT CORP COM 594918104 18,038 77,447 SH   DFND   73,210 0 4,237
MICROCHIP TECHNOLOGY INC COM 595017104 642 10,517 SH   SOLE   10,517 0 0
MITSUBISHI UFJ FINL GRP - ADR COM 606822104 228 50,600 SH   SOLE   50,600 0 0
MOLSON COORS BEVERAGE COMPANY COM 60871R209 1,184 24,670 SH   DFND   23,575 0 1,095
MORGAN STANLEY COM 617446448 6,383 80,784 SH   DFND   64,507 0 16,277
MULLEN AUTOMATIVE INC COM 62526P109 4 11,831 SH   SOLE   11,831 0 0
NATIONAL GRID PLC-SP ADR COM 636274409 226 4,385 SH   SOLE   4,385 0 0
NIKE INC - CL B COM 654106103 278 3,347 SH   DFND   2,997 0 350
NOVARTIS AG - ADR COM 66987V109 310 4,074 SH   SOLE   4,074 0 0
NVIDIA CORP COM 67066G104 3,223 26,551 SH   DFND   25,266 0 1,285
OAKTREE SPECIALTY LENDING CO COM 67401P108 399 66,500 SH   SOLE   66,500 0 0
OMNICOM GROUP COM 681919106 37,362 592,198 SH   DFND   573,343 0 18,855
ORACLE CORP COM 68389X105 2,907 47,605 SH   DFND   46,538 0 1,067
ORANGE - SPON ADR COM 684060106 262 29,130 SH   SOLE   29,130 0 0
ORIX - SP ADR COM 686330101 226 3,205 SH   SOLE   3,205 0 0
PNC FINANCIAL SERVICES GROUP COM 693475105 1,187 7,940 SH   SOLE   7,940 0 0
PARKER-HANNIFIN CORP COM 701094104 1,765 7,282 SH   DFND   6,957 0 325
PEMBINA PIPELINE CORP COM 706327103 694 22,862 SH   SOLE   22,862 0 0
PEPSICO INCORPORATED COM 713448108 4,401 26,956 SH   DFND   26,601 0 355
PFIZER INC COM 717081103 3,906 89,268 SH   DFND   87,113 0 2,155
PHILIP MORRIS INTL INC COM 718172109 26,107 314,499 SH   DFND   301,191 0 13,308
PHILLIPS 66 COM 718546104 39,817 493,272 SH   DFND   470,592 0 22,680
PROCTER AND GAMBLE COMPANY COM 742718109 1,619 12,820 SH   DFND   12,520 0 300
PUBLIC STORAGE COM 74460D109 378 1,290 SH   SOLE   1,290 0 0
QUALCOMM INC COM 747525103 3,056 27,048 SH   DFND   24,548 0 2,500
RAYTHEON TECHNOLOGIES CORP COM 75513E101 1,066 13,019 SH   DFND   5,063 0 7,956
RESEARCH FRONTIERS INC COM 760911107 27 12,500 SH   SOLE   12,500 0 0
RESMED INC COM 761152107 415 1,900 SH   SOLE   1,900 0 0
RIO TINTO PLC - ADR COM 767204100 300 5,445 SH   SOLE   5,445 0 0
SPDR S&P 500 ETF FUND 78462F103 4,475 12,528 SH   SOLE   12,528 0 0
SALESFORCE.COM INC COM 79466L302 292 2,033 SH   SOLE   2,033 0 0
SANOFI-AVENTIS - ADR COM 80105N105 300 7,891 SH   SOLE   7,891 0 0
SCHNEIDER ELECTRIC SE ADR COM 80687P106 304 13,525 SH   SOLE   13,525 0 0
SCHWAB S&P 500 INDEX FUND FUND 808509855 479 8,619 SH   SOLE   8,619 0 0
CHARLES SCHWAB CORPORATION COM 808513105 401 5,576 SH   SOLE   5,576 0 0
SPDR S&P CONS STAPLES SEL ETF COM 81369Y308 465 6,973 SH   DFND   6,798 0 175
SPDR S&P ENERGY SELECT ETF COM 81369Y506 378 5,250 SH   DFND   650 0 4,600
SEMPRA COM 816851109 45,933 306,344 SH   DFND   295,748 0 10,596
SMARTCOOL SYSTEMS INC COM 83171N108 0 10,000 SH   SOLE   10,000 0 0
SOUTHERN COMPANY COM 842587107 271 3,988 SH   SOLE   3,988 0 0
STARBUCKS CORP COM 855244109 1,103 13,096 SH   SOLE   13,096 0 0
SUMITOMO MITSUI - SP ADR COM 86562M209 255 46,300 SH   SOLE   46,300 0 0
TAIWAN SEMICONDUCTOR - SP ADR COM 874039100 4,110 59,947 SH   DFND   59,292 0 655
TARGET CORP COM 87612E106 3,028 20,402 SH   DFND   20,143 0 258
TESLA INC. COM 88160R101 1,101 4,149 SH   SOLE   4,149 0 0
3M COMPANY COM 88579Y101 239 2,160 SH   SOLE   2,160 0 0
TRAVELERS COS INC COM 89417E109 26,671 174,094 SH   DFND   167,079 0 7,015
TRUIST FINANCIAL CORPORATION COM 89832Q109 29,944 687,740 SH   DFND   654,125 0 33,615
TYSON FOODS INC - CL A COM 902494103 30,455 461,930 SH   DFND   441,980 0 19,950
ULTA SALON COSMETICS& FRAGR COM 90384S303 5,078 12,658 SH   DFND   12,083 0 575
UNION PACIFIC CORPORATION COM 907818108 1,463 7,507 SH   DFND   7,392 0 115
UNITED PARCEL SERVICE - CL B COM 911312106 40,633 251,535 SH   DFND   241,448 0 10,087
UNITEDHEALTH GROUP INC COM 91324P102 8,221 16,278 SH   DFND   15,557 0 721
VANGUARD MSCI EAFE ETF FUND 921943858 202 5,551 SH   DFND   2,494 0 3,057
VANGUARD HIGH DVD YIELD ETF FUND 921946406 209 2,200 SH   DFND   0 0 2,200
VANGUARD UTILITIES ETF FUND 92204A876 211 1,481 SH   SOLE   1,481 0 0
VANGUARD GROWTH INDEX FUND FUND 922908660 256 2,320 SH   SOLE   2,320 0 0
VANGUARD 500 INDEX FUND-ADM FUND 922908710 368 1,112 SH   SOLE   1,112 0 0
VANGUARD GROWTH ETF FUND 922908736 346 1,618 SH   DFND   580 0 1,038
VERIZON COMMUNICATIONS COM 92343V104 2,332 61,429 SH   DFND   61,140 0 288
VISA INC - CL A COM 92826C839 5,764 32,447 SH   DFND   31,192 0 1,255
VODAFONE GROUP PLC COM 92857W308 719 63,427 SH   SOLE   63,427 0 0
VONTIER CORPORATION COM 928881101 788 47,130 SH   DFND   44,715 0 2,415
WARNER BROS DISCOVERY INC COM 934423104 2,327 202,386 SH   DFND   191,354 0 11,032
WASATCH MICRO-CAP FUND FUND 936772508 87 15,251 SH   SOLE   15,251 0 0
WELLS FARGO& COMPANY COM 949746101 1,884 46,843 SH   DFND   45,728 0 1,115
WESTERN DIGITAL CORP COM 958102105 806 24,756 SH   DFND   23,706 0 1,050
WILLIAMS COS INC COM 969457100 523 18,270 SH   SOLE   18,270 0 0
CAPRI HOLDINGS LTD COM G1890L107 1,084 28,200 SH   DFND   26,905 0 1,295
EATON CORP PLC COM G29183103 6,846 51,337 SH   DFND   49,892 0 1,445
MEDTRONIC PLC COM G5960L103 37,415 463,344 SH   DFND   445,945 0 17,399
APTIV PLC COM G6095L109 2,639 33,745 SH   DFND   31,960 0 1,785
RENAISSANCERE HOLDINGS LTD COM G7496G103 1,275 9,084 SH   DFND   8,624 0 460
NXP SEMICONDUCTORS NV COM N6596X109 1,605 10,881 SH   DFND   10,660 0 221