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
ABB LTD - SP ADR COM 000375204   286 8,350 SH   SOLE   8,350 0 0
AFLAC INC COM 001055102   349 5,408 SH   SOLE   5,408 0 0
AES CORPORATION COM 00130H105   250 10,390 SH   SOLE   10,390 0 0
AT&T INC COM 00206R102   55,533 2,884,826 SH   DFND   2,761,580 0 123,245
ABBOTT LABORATORIES COM 002824100   1,607 15,867 SH   DFND   15,832 0 35
ABBVIE INC COM 00287Y109   65,402 410,375 SH   DFND   393,142 0 17,232
ADOBE INC. COM 00724F101   6,144 15,944 SH   DFND   15,404 0 540
ADVANCED MICRO DEVICES INC COM 007903107   946 9,651 SH   SOLE   9,651 0 0
AGENT INFORMATION SOFTWARE I COM 00847D108   52 28,000 SH   SOLE   28,000 0 0
AIR PRODUCTS& CHEMICALS INC COM 009158106   1,946 6,774 SH   DFND   6,682 0 92
ALLIANZ SE - UNSP ADR COM 018820100   281 12,195 SH   SOLE   12,195 0 0
ALPHABET CLASS C COM 02079K107   7,633 73,390 SH   DFND   70,513 0 2,877
ALPHABET CLASS A COM 02079K305   4,772 46,001 SH   DFND   44,201 0 1,800
ALTRIA GROUP INC COM 02209S103   52,200 1,169,882 SH   DFND   1,118,391 0 51,490
AMAZON.COM INC COM 023135106   4,617 44,698 SH   DFND   43,148 0 1,550
AMERICAN EXPRESS CO COM 025816109   1,632 9,894 SH   DFND   9,677 0 217
AMGEN INC COM 031162100   1,847 7,642 SH   DFND   7,602 0 40
APPLE INC COM 037833100   31,573 191,470 SH   DFND   188,628 0 2,842
APPLIED MATERIALS INC COM 038222105   1,365 11,109 SH   SOLE   11,109 0 0
ARISTA NETWORKS INC. COM 040413106   201 1,200 SH   SOLE   1,200 0 0
ASTRAZENECA PLC - ADR COM 046353108   6,537 94,176 SH   DFND   89,863 0 4,313
AXA - SP ADR COM 054536107   299 9,790 SH   SOLE   9,790 0 0
BAE SYSTEMS PLC - SP ADR COM 05523R107   446 9,030 SH   SOLE   9,030 0 0
BP PLC - ADR COM 055622104   515 13,579 SH   SOLE   13,579 0 0
BNP PARIBAS-ADR COM 05565A202   330 11,079 SH   SOLE   11,079 0 0
BANK OF AMERICA CORP COM 060505104   33,118 1,157,985 SH   DFND   1,105,370 0 52,615
BARCLAYS PLC - ADR COM 06738E204   249 34,660 SH   SOLE   34,660 0 0
BERKSHIRE HATHAWAY INC - CL B COM 084670702   971 3,146 SH   SOLE   3,146 0 0
BHP BILLITON LTD - SP ADR COM 088606108   843 13,290 SH   SOLE   13,290 0 0
BLACKROCK INC COM 09247X101   47,324 70,725 SH   DFND   67,899 0 2,826
BOEING COMPANY COM 097023105   894 4,208 SH   SOLE   4,208 0 0
BORGWARNER INC COM 099724106   2,840 57,833 SH   DFND   56,100 0 1,733
BRISTOL-MYERS SQUIBB CO COM 110122108   66,494 959,374 SH   DFND   919,174 0 40,199
BRITISH AMERN TOBACCO PLC ADR COM 110448107   316 8,995 SH   SOLE   8,995 0 0
BROADCOM INC COM 11135F101   70,001 109,113 SH   DFND   104,709 0 4,404
CK HUTCHISON HOLDIN-UNSP ADR COM 12562Y100   274 44,550 SH   SOLE   44,550 0 0
CRH PLC - SP ADR COM 12626K203   1,267 24,914 SH   DFND   24,129 0 785
CVS HEALTH CORPORATION COM 126650100   45,142 607,482 SH   DFND   580,732 0 26,750
COTERRA ENERGY COM 127097103   2,470 100,665 SH   DFND   92,945 0 7,720
CAPITAL ONE FINANCIAL CORP COM 14040H105   13,781 143,316 SH   DFND   136,656 0 6,660
CAPITAL WORLD GROWTH& INC-A FUND 140543109   217 3,973 SH   SOLE   3,973 0 0
CATERPILLAR INC COM 149123101   641 2,801 SH   SOLE   2,801 0 0
CHEVRON CORP COM 166764100   56,960 349,106 SH   DFND   335,426 0 13,680
CISCO SYSTEMS INC COM 17275R102   74,337 1,422,041 SH   DFND   1,358,265 0 63,775
COMCAST CORP - CL A COM 20030N101   50,686 1,337,002 SH   DFND   1,294,632 0 42,370
CONSTELLATION BRANDS INC-A COM 21036P108   4,336 19,193 SH   DFND   18,233 0 960
CORNING INC COM 219350105   36,807 1,043,285 SH   DFND   1,000,430 0 42,855
COSTCO WHOLESALE CORP COM 22160K105   1,615 3,250 SH   SOLE   3,250 0 0
DFA EMERGING MKTS CORE EQUITY FUND 233203421   4,010 188,790 SH   DFND   185,599 0 3,191
DFA US TARGETED VALUE PORT FUND 233203595   4,114 149,315 SH   DFND   144,259 0 5,056
DFA SMALL CAP VALUE FUND FUND 233203819   4,843 123,838 SH   DFND   123,213 0 624
DFA US LARGE CAP VALUE FUND FUND 233203827   5,962 143,804 SH   DFND   133,641 0 10,162
DFA INTL L/C GROWTH PORT FUND 23320G265   4,702 312,192 SH   DFND   307,195 0 4,997
MERCEDES BENZ GROUP UNSP-ADR COM 233825207   353 18,410 SH   SOLE   18,410 0 0
DFA INTL VALUE FUND FUND 25434D203   11,838 628,658 SH   DFND   613,326 0 15,331
DIMENSIONAL EMERGING CORE EQ FUND 25434V302   633 27,510 SH   SOLE   27,510 0 0
DISNEY WALT CO COM 254687106   4,339 43,335 SH   DFND   41,225 0 2,110
DOMINION ENERGY INC COM 25746U109   1,026 18,354 SH   DFND   17,369 0 985
DOW INC COM 260557103   21,503 392,245 SH   DFND   373,727 0 18,518
DUKE ENERGY CORP COM 26441C204   304 3,151 SH   SOLE   3,151 0 0
DUPONT DE NEMOURS INC COM 26614N102   5,413 75,420 SH   DFND   71,927 0 3,493
EASTMAN CHEMICAL COMPANY COM 277432100   644 7,635 SH   DFND   7,618 0 17
EMERSON ELECTRIC COMPANY COM 291011104   29,794 341,913 SH   DFND   326,833 0 15,080
ENBRIDGE INC COM 29250N105   48,600 1,273,915 SH   DFND   1,220,805 0 53,110
ERICSSON COM 294821608   308 52,645 SH   SOLE   52,645 0 0
EVERGY INC COM 30034W106   33,579 549,392 SH   DFND   529,972 0 19,420
EXELON CORPORATION COM 30161N101   393 9,373 SH   SOLE   9,373 0 0
EXPEDIA GROUP INC. COM 30212P303   2,683 27,648 SH   DFND   26,213 0 1,435
EXXON MOBIL CORP COM 30231G102   10,331 94,209 SH   DFND   89,689 0 4,520
META PLATFORMS INC COM 30303M102   361 1,705 SH   SOLE   1,705 0 0
FEDEX CORP COM 31428X106   1,380 6,038 SH   DFND   5,728 0 310
FIDELITY 500 INDEX-INST PRM FUND 315911750   412 2,880 SH   SOLE   2,880 0 0
FIDELITY ADV INV GRADE BOND FUND 316146869   125 17,222 SH   SOLE   17,222 0 0
GENERAL ELECTRIC CO COM 369604301   360 3,768 SH   DFND   3,768 0 0
GENERAL MILLS INCORPORATED COM 370334104   3,176 37,168 SH   DFND   36,823 0 345
GENUINE PARTS CO COM 372460105   1,267 7,571 SH   SOLE   7,571 0 0
GILEAD SCIENCES INC COM 375558103   58,658 706,979 SH   DFND   685,287 0 21,692
GOLDMAN SACHS GROUP INC COM 38141G104   681 2,083 SH   DFND   1,993 0 90
HOME DEPOT INC COM 437076102   37,964 128,640 SH   DFND   123,566 0 5,074
HONDA MOTOR CO LTD - SP ADR COM 438128308   288 10,855 SH   SOLE   10,855 0 0
HONEYWELL INTERNATIONAL INC COM 438516106   6,036 31,580 SH   DFND   30,358 0 1,222
IMPERIAL BRANDS PLC-SPON ADR COM 45262P102   208 8,990 SH   SOLE   8,990 0 0
INTEL CORPORATION COM 458140100   484 14,819 SH   SOLE   14,819 0 0
INTERNATIONAL BUSINESS MACHINE COM 459200101   51,640 393,928 SH   DFND   376,643 0 17,285
INT'L FLAVORS& FRAGRANCES COM 459506101   1,038 11,292 SH   SOLE   11,292 0 0
INVESCO QQQ TR FUND 46090E103   735 2,290 SH   SOLE   2,290 0 0
ISHARES MSCI EAFE ETF FUND 464287465   2,433 34,013 SH   DFND   33,258 0 755
ISHARES RUSSELL M/C GROWTH ETF FUND 464287481   4,995 54,863 SH   DFND   51,882 0 2,981
ISHARES RUSSELL 1000 VALUE ETF FUND 464287598   1,416 9,300 SH   SOLE   9,300 0 0
ISHARES RUSSELL 1000 GROWTH ET FUND 464287614   4,351 17,805 SH   DFND   16,641 0 1,164
ISHARES RUSSELL 2000 VALUE FD FUND 464287630   629 4,593 SH   DFND   4,065 0 528
ISHARES RUSSELL 2000 INDEX FD FUND 464287655   1,985 11,125 SH   DFND   10,975 0 150
ISHARES MSCI EAFE VALUE ETF FUND 464288877   349 7,185 SH   SOLE   7,185 0 0
ISHARES MSCI EAFE GROWTH ETF FUND 464288885   398 4,245 SH   SOLE   4,245 0 0
ISHARES CORE MSCI EM MKTS ETF FUND 46434G103   3,240 66,400 SH   DFND   64,045 0 2,355
JPMORGAN CHASE& CO COM 46625H100   56,406 432,857 SH   DFND   415,738 0 17,118
JPM GLOBAL BOND OPPORT FD FUND 46637K687   144 15,045 SH   SOLE   15,045 0 0
JP MORGAN EQUITY INC FD FUND 46645V675   194 14,414 SH   SOLE   14,414 0 0
JOHNSON& JOHNSON COM 478160104   40,022 258,206 SH   DFND   248,238 0 9,968
KELLOGG COMPANY COM 487836108   343 5,129 SH   DFND   4,729 0 400
KONINKLIJKE AHOLD-SP ADR COM 500467501   221 6,465 SH   SOLE   6,465 0 0
LILLY ELI& COMPANY COM 532457108   5,323 15,499 SH   DFND   14,357 0 1,142
LINCOLN NATIONAL CORP COM 534187109   822 36,573 SH   DFND   35,173 0 1,400
LOCKHEED MARTIN CORPORATION COM 539830109   49,963 105,690 SH   DFND   101,620 0 4,070
LOWES COMPANIES INC COM 548661107   2,756 13,779 SH   DFND   13,264 0 515
M& T BANK CORP COM 55261F104   13,725 114,784 SH   DFND   109,344 0 5,440
MANULIFE FINANCIAL CORP COM 56501R106   207 11,279 SH   SOLE   11,279 0 0
MASTERCARD INC -CLASS A COM 57636Q104   246 678 SH   SOLE   678 0 0
MCDONALDS CORP COM 580135101   2,723 9,738 SH   DFND   9,629 0 109
MERCK& COMPANY INC COM 58933Y105   902 8,477 SH   SOLE   8,477 0 0
METLIFE INC COM 59156R108   4,315 74,481 SH   DFND   72,901 0 1,580
MICROSOFT CORP COM 594918104   19,316 66,999 SH   DFND   65,766 0 1,233
MICROCHIP TECHNOLOGY INC COM 595017104   728 8,687 SH   SOLE   8,687 0 0
MITSUBISHI UFJ FINL GRP - ADR COM 606822104   296 46,365 SH   SOLE   46,365 0 0
MOLSON COORS BEVERAGE COMPANY COM 60871R209   1,103 21,350 SH   DFND   20,255 0 1,095
MORGAN STANLEY COM 617446448   4,339 49,421 SH   DFND   49,032 0 389
MULLEN AUTOMATIVE INC COM 62526P109   2 11,831 SH   SOLE   11,831 0 0
NATIONAL GRID PLC-SP ADR COM 636274409   273 4,020 SH   SOLE   4,020 0 0
NIKE INC - CL B COM 654106103   1,214 9,897 SH   DFND   9,679 0 218
NOVARTIS AG - ADR COM 66987V109   341 3,707 SH   SOLE   3,707 0 0
NVIDIA CORP COM 67066G104   6,364 22,912 SH   DFND   21,902 0 1,010
OAKTREE SPECIALTIY LENDING CO COM 67401P405   204 10,894 SH   SOLE   10,894 0 0
OMNICOM GROUP COM 681919106   29,419 311,841 SH   DFND   299,626 0 12,215
ORACLE CORP COM 68389X105   3,766 40,532 SH   DFND   39,465 0 1,067
ORANGE - SPON ADR COM 684060106   298 24,955 SH   SOLE   24,955 0 0
ORIX - SP ADR COM 686330101   224 2,735 SH   SOLE   2,735 0 0
PNC FINANCIAL SERVICES GROUP COM 693475105   800 6,290 SH   SOLE   6,290 0 0
PARKER-HANNIFIN CORP COM 701094104   2,331 6,933 SH   DFND   6,608 0 325
PEMBINA PIPELINE CORP COM 706327103   725 22,377 SH   SOLE   22,377 0 0
PEPSICO INCORPORATED COM 713448108   4,337 23,789 SH   DFND   23,534 0 255
PFIZER INC COM 717081103   3,280 80,402 SH   DFND   77,862 0 2,540
PHILIP MORRIS INTL INC COM 718172109   29,413 302,448 SH   DFND   289,954 0 12,493
PHILLIPS 66 COM 718546104   50,275 495,903 SH   DFND   474,348 0 21,555
T ROWE PRICE GROUP INC COM 74144T108   1,417 12,550 SH   DFND   11,895 0 655
PROCTER AND GAMBLE COMPANY COM 742718109   1,790 12,041 SH   DFND   11,741 0 300
PUBLIC STORAGE COM 74460D109   390 1,290 SH   SOLE   1,290 0 0
QUALCOMM INC COM 747525103   5,282 41,398 SH   DFND   40,638 0 760
RAYTHEON TECHNOLOGIES CORP COM 75513E101   1,249 12,754 SH   DFND   4,798 0 7,956
RESMED INC COM 761152107   416 1,900 SH   SOLE   1,900 0 0
RIO TINTO PLC - ADR COM 767204100   340 4,960 SH   SOLE   4,960 0 0
SPDR S&P 500 ETF FUND 78462F103   4,900 11,970 SH   SOLE   11,970 0 0
SALESFORCE.COM INC COM 79466L302   285 1,429 SH   SOLE   1,429 0 0
SANOFI-AVENTIS - ADR COM 80105N105   374 6,869 SH   SOLE   6,869 0 0
SCHNEIDER ELECTRIC SE ADR COM 80687P106   388 11,636 SH   SOLE   11,636 0 0
SCHWAB S&P 500 INDEX FUND FUND 808509855   561 8,889 SH   SOLE   8,889 0 0
CHARLES SCHWAB CORPORATION COM 808513105   296 5,646 SH   SOLE   5,646 0 0
SCHWAB US TREASURY MONEY-INV FUND 808515548   600 600,000 SH   DFND   0 0 600,000
SPDR S&P CONS STAPLES SEL ETF COM 81369Y308   539 7,219 SH   DFND   7,044 0 175
SPDR S&P ENERGY SELECT ETF COM 81369Y506   358 4,325 SH   DFND   725 0 3,600
SEMPRA COM 816851109   45,813 303,076 SH   DFND   291,360 0 11,716
SMARTCOOL SYSTEMS INC COM 83171N108   0 10,000 SH   SOLE   10,000 0 0
SOUTHERN COMPANY COM 842587107   328 4,707 SH   SOLE   4,707 0 0
STARBUCKS CORP COM 855244109   1,321 12,690 SH   SOLE   12,690 0 0
STEWARD SM-MID CAP ENH IND FD FUND 860324839   662 60,375 SH   SOLE   60,375 0 0
SUMITOMO MITSUI - SP ADR COM 86562M209   317 39,650 SH   SOLE   39,650 0 0
TAIWAN SEMICONDUCTOR - SP ADR COM 874039100   4,993 53,680 SH   DFND   53,025 0 655
TARGET CORP COM 87612E106   4,388 26,491 SH   DFND   25,808 0 683
TESLA INC. COM 88160R101   797 3,843 SH   SOLE   3,843 0 0
TRAVELERS COS INC COM 89417E109   29,707 173,308 SH   DFND   166,653 0 6,655
TYSON FOODS INC - CL A COM 902494103   39,905 672,708 SH   DFND   642,843 0 29,865
ULTA SALON COSMETICS& FRAGR COM 90384S303   6,400 11,729 SH   DFND   11,149 0 580
UNION PACIFIC CORPORATION COM 907818108   1,266 6,292 SH   DFND   6,177 0 115
UNITED PARCEL SERVICE - CL B COM 911312106   58,149 299,755 SH   DFND   287,393 0 12,362
UNITEDHEALTH GROUP INC COM 91324P102   7,238 15,315 SH   DFND   14,756 0 559
VANGUARD HEALTH CARE FUND-INV FUND 921908307   217 1,057 SH   SOLE   1,057 0 0
VANGUARD MSCI EAFE ETF FUND 921943858   206 4,568 SH   DFND   1,511 0 3,057
VANGUARD 500 INDEX FUND-ADM FUND 922908710   435 1,148 SH   SOLE   1,148 0 0
VANGUARD GROWTH ETF FUND 922908736   275 1,103 SH   DFND   65 0 1,038
VANGUARD VALUE ETF FUND 922908744   248 1,793 SH   DFND   187 0 1,606
VERIZON COMMUNICATIONS COM 92343V104   2,208 56,767 SH   DFND   56,304 0 463
VISA INC - CL A COM 92826C839   6,736 29,877 SH   DFND   28,797 0 1,080
VODAFONE GROUP PLC COM 92857W308   376 34,032 SH   SOLE   34,032 0 0
VONTIER CORPORATION COM 928881101   1,112 40,666 SH   DFND   38,416 0 2,250
WARNER BROS DISCOVERY INC COM 934423104   3,434 227,448 SH   DFND   215,316 0 12,132
WELLS FARGO& COMPANY COM 949746101   1,086 29,048 SH   DFND   27,933 0 1,115
ALLSPRING SHORT TERM INC FD FUND 94987W752   81 10,406 SH   SOLE   10,406 0 0
WESTERN DIGITAL CORP COM 958102105   3,244 86,127 SH   DFND   81,477 0 4,650
WILLIAMS COS INC COM 969457100   557 18,645 SH   SOLE   18,645 0 0
XCEL ENERGY INC COM 98389B100   206 3,061 SH   SOLE   3,061 0 0
CAPRI HOLDINGS LTD COM G1890L107   1,093 23,254 SH   DFND   22,094 0 1,160
EATON CORP PLC COM G29183103   8,232 48,042 SH   DFND   46,637 0 1,405
FERGUSON PLC COM G3421J106   4,000 29,905 SH   DFND   28,665 0 1,240
MEDTRONIC PLC COM G5960L103   36,181 448,778 SH   DFND   433,306 0 15,472
APTIV PLC COM G6095L109   3,362 29,964 SH   DFND   28,439 0 1,525
RENAISSANCERE HOLDINGS LTD COM G7496G103   1,855 9,260 SH   DFND   8,800 0 460
NXP SEMICONDUCTORS NV COM N6596X109   1,715 9,196 SH   DFND   8,975 0 221