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   302 8,125 SH   SOLE   8,125 0 0
AFLAC INC COM 001055102   378 5,408 SH   SOLE   5,408 0 0
AES CORPORATION COM 00130H105   209 10,105 SH   SOLE   10,105 0 0
AT&T INC COM 00206R102   53,085 3,328,229 SH   DFND   3,198,604 0 129,625
ABBOTT LABORATORIES COM 002824100   1,775 16,282 SH   DFND   16,247 0 35
ABBVIE INC COM 00287Y109   54,557 404,937 SH   DFND   389,850 0 15,087
ADOBE INC. COM 00724F101   8,018 16,397 SH   DFND   15,857 0 540
ADVANCED MICRO DEVICES INC COM 007903107   1,012 8,883 SH   SOLE   8,883 0 0
AGENT INFORMATION SOFTWARE I COM 00847D108   32 28,000 SH   SOLE   28,000 0 0
AIR PRODUCTS& CHEMICALS INC COM 009158106   1,992 6,651 SH   DFND   6,559 0 92
ALLIANZ SE - UNSP ADR COM 018820100   276 11,870 SH   SOLE   11,870 0 0
ALPHABET CLASS C COM 02079K107   7,966 65,855 SH   DFND   63,058 0 2,797
ALPHABET CLASS A COM 02079K305   3,678 30,730 SH   DFND   30,065 0 665
ALTRIA GROUP INC COM 02209S103   53,165 1,173,620 SH   DFND   1,122,900 0 50,720
AMAZON.COM INC COM 023135106   5,484 42,067 SH   DFND   40,442 0 1,625
AMERICAN EXPRESS CO COM 025816109   1,548 8,884 SH   DFND   8,667 0 217
AMGEN INC COM 031162100   1,630 7,341 SH   DFND   7,301 0 40
APPLE INC COM 037833100   32,023 165,094 SH   DFND   162,272 0 2,822
APPLIED MATERIALS INC COM 038222105   1,606 11,109 SH   SOLE   11,109 0 0
ASTRAZENECA PLC - ADR COM 046353108   2,619 36,592 SH   DFND   35,029 0 1,563
AXA - SP ADR COM 054536107   282 9,525 SH   SOLE   9,525 0 0
BAE SYSTEMS PLC - SP ADR COM 05523R107   421 8,780 SH   SOLE   8,780 0 0
BP PLC - ADR COM 055622104   469 13,279 SH   SOLE   13,279 0 0
BNP PARIBAS-ADR COM 05565A202   341 10,781 SH   SOLE   10,781 0 0
BANK OF AMERICA CORP COM 060505104   32,670 1,138,730 SH   DFND   1,086,485 0 52,245
BARCLAYS PLC - ADR COM 06738E204   265 33,735 SH   SOLE   33,735 0 0
BAXTER INTERNATIONAL INC COM 071813109   3,439 75,478 SH   DFND   71,428 0 4,050
BERKSHIRE HATHAWAY INC - CL B COM 084670702   643 1,887 SH   SOLE   1,887 0 0
BHP BILLITON LTD - SP ADR COM 088606108   812 13,600 SH   SOLE   13,600 0 0
BLACKROCK INC COM 09247X101   48,304 69,889 SH   DFND   67,098 0 2,791
BOEING COMPANY COM 097023105   905 4,287 SH   SOLE   4,287 0 0
BORGWARNER INC COM 099724106   2,748 56,193 SH   DFND   54,460 0 1,733
BRISTOL-MYERS SQUIBB CO COM 110122108   59,692 933,414 SH   DFND   895,074 0 38,339
BRITISH AMERN TOBACCO PLC ADR COM 110448107   291 8,755 SH   SOLE   8,755 0 0
BROADCOM INC COM 11135F101   64,620 74,495 SH   DFND   70,892 0 3,603
CK HUTCHISON HOLDIN-UNSP ADR COM 12562Y100   264 43,350 SH   SOLE   43,350 0 0
CRH PLC - SP ADR COM 12626K203   20,730 371,979 SH   DFND   363,750 0 8,229
CVS HEALTH CORPORATION COM 126650100   41,454 599,653 SH   DFND   575,523 0 24,130
COTERRA ENERGY COM 127097103   2,265 89,518 SH   DFND   81,898 0 7,620
CAPITAL ONE FINANCIAL CORP COM 14040H105   30,417 278,113 SH   DFND   269,153 0 8,960
CAPITAL WORLD GROWTH& INC-A FUND 140543109   228 3,973 SH   SOLE   3,973 0 0
CATERPILLAR INC COM 149123101   586 2,381 SH   SOLE   2,381 0 0
CHEVRON CORP COM 166764100   54,618 347,109 SH   DFND   333,649 0 13,460
CISCO SYSTEMS INC COM 17275R102   71,766 1,387,059 SH   DFND   1,325,354 0 61,704
COMCAST CORP - CL A COM 20030N101   56,580 1,361,729 SH   DFND   1,319,129 0 42,600
CONSTELLATION BRANDS INC-A COM 21036P108   4,899 19,903 SH   DFND   18,838 0 1,065
CORNING INC COM 219350105   36,024 1,028,083 SH   DFND   985,883 0 42,200
COSTCO WHOLESALE CORP COM 22160K105   1,635 3,036 SH   SOLE   3,036 0 0
DFA US CORE EQUITY 1 PORT FUND 233203413   205 6,102 SH   SOLE   6,102 0 0
DFA EMERGING MKTS CORE EQUITY FUND 233203421   4,042 186,801 SH   DFND   183,610 0 3,191
DFA US TARGETED VALUE PORT FUND 233203595   4,185 145,861 SH   DFND   140,804 0 5,056
DFA SMALL CAP VALUE FUND FUND 233203819   4,805 118,078 SH   DFND   117,453 0 624
DFA US LARGE CAP VALUE FUND FUND 233203827   5,782 135,908 SH   DFND   125,746 0 10,162
DFA INTL L/C GROWTH PORT FUND 23320G265   4,685 306,817 SH   DFND   301,820 0 4,997
MERCEDES BENZ GROUP UNSP-ADR COM 233825207   360 17,915 SH   SOLE   17,915 0 0
DFA INTL VALUE FUND FUND 25434D203   11,671 608,205 SH   DFND   593,539 0 14,665
DIMENSIONAL EMERGING CORE EQ FUND 25434V302   645 27,480 SH   SOLE   27,480 0 0
DISNEY WALT CO COM 254687106   3,605 40,384 SH   DFND   38,249 0 2,135
DOMINION ENERGY INC COM 25746U109   912 17,609 SH   DFND   16,624 0 985
DOW INC COM 260557103   20,871 391,879 SH   DFND   373,666 0 18,213
DUKE ENERGY CORP COM 26441C204   274 3,052 SH   SOLE   3,052 0 0
DUPONT DE NEMOURS INC COM 26614N102   5,330 74,613 SH   DFND   71,167 0 3,446
EASTMAN CHEMICAL COMPANY COM 277432100   635 7,583 SH   DFND   7,566 0 17
EMERSON ELECTRIC COMPANY COM 291011104   46,566 515,172 SH   DFND   496,867 0 18,305
ENBRIDGE INC COM 29250N105   48,177 1,296,824 SH   DFND   1,244,194 0 52,630
ERICSSON COM 294821608   279 51,225 SH   SOLE   51,225 0 0
EVERGY INC COM 30034W106   32,920 563,504 SH   DFND   543,799 0 19,705
EXELON CORPORATION COM 30161N101   382 9,365 SH   SOLE   9,365 0 0
EXPEDIA GROUP INC. COM 30212P303   2,967 27,119 SH   DFND   25,684 0 1,435
EXXON MOBIL CORP COM 30231G102   9,602 89,530 SH   DFND   85,075 0 4,455
META PLATFORMS INC COM 30303M102   489 1,705 SH   SOLE   1,705 0 0
FEDEX CORP COM 31428X106   1,432 5,778 SH   DFND   5,468 0 310
FIDELITY 500 INDEX-INST PRM FUND 315911750   444 2,865 SH   SOLE   2,865 0 0
FIDELITY ADV INV GRADE BOND FUND 316146869   124 17,320 SH   SOLE   17,320 0 0
GENERAL MILLS INCORPORATED COM 370334104   2,780 36,240 SH   DFND   35,895 0 345
GENUINE PARTS CO COM 372460105   1,214 7,173 SH   SOLE   7,173 0 0
GILEAD SCIENCES INC COM 375558103   54,604 708,494 SH   DFND   687,332 0 21,162
GOLDMAN SACHS GROUP INC COM 38141G104   625 1,938 SH   DFND   1,848 0 90
HOME DEPOT INC COM 437076102   40,222 129,482 SH   DFND   124,448 0 5,034
HONDA MOTOR CO LTD - SP ADR COM 438128308   321 10,575 SH   SOLE   10,575 0 0
HONEYWELL INTERNATIONAL INC COM 438516106   6,583 31,724 SH   DFND   30,527 0 1,197
INTEL CORPORATION COM 458140100   205 6,133 SH   SOLE   6,133 0 0
INTERNATIONAL BUSINESS MACHINE COM 459200101   53,266 398,070 SH   DFND   380,990 0 17,080
INT'L FLAVORS& FRAGRANCES COM 459506101   679 8,532 SH   SOLE   8,532 0 0
INVESCO QQQ TR FUND 46090E103   797 2,158 SH   SOLE   2,158 0 0
ISHARES CORE S&P 500 ETF FUND 464287200   334 748 SH   SOLE   748 0 0
ISHARES MSCI EAFE ETF FUND 464287465   2,509 34,603 SH   DFND   33,888 0 715
ISHARES RUSSELL M/C GROWTH ETF FUND 464287481   5,219 54,012 SH   DFND   51,031 0 2,981
ISHARES RUSSELL 1000 VALUE ETF FUND 464287598   1,610 10,200 SH   SOLE   10,200 0 0
ISHARES RUSSELL 1000 GROWTH ET FUND 464287614   4,524 16,440 SH   DFND   15,276 0 1,164
ISHARES RUSSELL 2000 VALUE FD FUND 464287630   608 4,318 SH   DFND   4,065 0 253
ISHARES RUSSELL 2000 INDEX FD FUND 464287655   2,003 10,694 SH   DFND   10,544 0 150
ISHARES MSCI EAFE VALUE ETF FUND 464288877   347 7,100 SH   SOLE   7,100 0 0
ISHARES MSCI EAFE GROWTH ETF FUND 464288885   399 4,180 SH   SOLE   4,180 0 0
ISHARES CORE MSCI EM MKTS ETF FUND 46434G103   3,262 66,177 SH   DFND   63,822 0 2,355
JPMORGAN CHASE& CO COM 46625H100   61,923 425,760 SH   DFND   408,851 0 16,908
JPM GLOBAL BOND OPPORT FD FUND 46637K687   142 15,045 SH   SOLE   15,045 0 0
JP MORGAN EQUITY INC FD FUND 46645V675   198 14,414 SH   SOLE   14,414 0 0
JOHNSON& JOHNSON COM 478160104   42,873 259,019 SH   DFND   249,141 0 9,878
KELLOGG COMPANY COM 487836108   325 4,829 SH   DFND   4,429 0 400
KOMATSU LTD SPONS ADR COM 500458401   202 7,441 SH   SOLE   7,441 0 0
KONINKLIJKE AHOLD-SP ADR COM 500467501   214 6,290 SH   SOLE   6,290 0 0
LILLY ELI& COMPANY COM 532457108   7,202 15,357 SH   DFND   14,215 0 1,142
LINCOLN NATIONAL CORP COM 534187109   810 31,457 SH   DFND   30,057 0 1,400
LOCKHEED MARTIN CORPORATION COM 539830109   48,536 105,425 SH   DFND   101,395 0 4,030
LOWES COMPANIES INC COM 548661107   2,990 13,245 SH   DFND   12,710 0 535
M& T BANK CORP COM 55261F104   42,270 341,546 SH   DFND   328,926 0 12,620
MANULIFE FINANCIAL CORP COM 56501R106   208 10,979 SH   SOLE   10,979 0 0
MASTERCARD INC -CLASS A COM 57636Q104   206 525 SH   SOLE   525 0 0
MCDONALDS CORP COM 580135101   2,868 9,609 SH   DFND   9,500 0 109
MERCK& COMPANY INC COM 58933Y105   3,248 28,146 SH   DFND   27,111 0 1,035
METLIFE INC COM 59156R108   4,106 72,641 SH   DFND   71,061 0 1,580
MICROSOFT CORP COM 594918104   22,018 64,656 SH   DFND   63,423 0 1,233
MICROCHIP TECHNOLOGY INC COM 595017104   778 8,687 SH   SOLE   8,687 0 0
MITSUBISHI UFJ FINL GRP - ADR COM 606822104   333 45,165 SH   SOLE   45,165 0 0
MORGAN STANLEY COM 617446448   3,872 45,334 SH   DFND   44,945 0 389
NATIONAL GRID PLC-SP ADR COM 636274409   263 3,910 SH   SOLE   3,910 0 0
NIKE INC - CL B COM 654106103   1,068 9,675 SH   DFND   9,457 0 218
NOVARTIS AG - ADR COM 66987V109   356 3,526 SH   SOLE   3,526 0 0
NVIDIA CORP COM 67066G104   9,855 23,296 SH   DFND   22,296 0 1,000
OAKTREE SPECIALTIY LENDING CO COM 67401P405   222 11,411 SH   SOLE   11,411 0 0
OMNICOM GROUP COM 681919106   3,191 33,540 SH   DFND   27,260 0 6,280
ORACLE CORP COM 68389X105   4,093 34,368 SH   DFND   33,316 0 1,052
ORANGE - SPON ADR COM 684060106   283 24,280 SH   SOLE   24,280 0 0
ORIX - SP ADR COM 686330101   243 2,660 SH   SOLE   2,660 0 0
PNC FINANCIAL SERVICES GROUP COM 693475105   608 4,824 SH   SOLE   4,824 0 0
PARKER-HANNIFIN CORP COM 701094104   2,043 5,237 SH   DFND   4,994 0 243
PEMBINA PIPELINE CORP COM 706327103   697 22,172 SH   SOLE   22,172 0 0
PEPSICO INCORPORATED COM 713448108   4,275 23,079 SH   DFND   22,824 0 255
PFIZER INC COM 717081103   3,439 93,761 SH   DFND   90,600 0 3,161
PHILIP MORRIS INTL INC COM 718172109   29,202 299,135 SH   DFND   286,752 0 12,383
PHILLIPS 66 COM 718546104   47,520 498,217 SH   DFND   477,077 0 21,140
T ROWE PRICE GROUP INC COM 74144T108   1,446 12,910 SH   DFND   12,270 0 640
PROCTER AND GAMBLE COMPANY COM 742718109   1,783 11,751 SH   DFND   11,451 0 300
PRUDENTIAL FINANCIAL INC COM 744320102   251 2,840 SH   SOLE   2,840 0 0
PUBLIC STORAGE COM 74460D109   377 1,290 SH   SOLE   1,290 0 0
QUALCOMM INC COM 747525103   6,065 50,946 SH   DFND   49,706 0 1,240
RAYTHEON TECHNOLOGIES CORP COM 75513E101   1,245 12,713 SH   DFND   4,757 0 7,956
RESMED INC COM 761152107   415 1,900 SH   SOLE   1,900 0 0
RIO TINTO PLC - ADR COM 767204100   308 4,825 SH   SOLE   4,825 0 0
SPDR S&P 500 ETF FUND 78462F103   5,294 11,942 SH   SOLE   11,942 0 0
SANOFI-AVENTIS - ADR COM 80105N105   345 6,410 SH   SOLE   6,410 0 0
SCHNEIDER ELECTRIC SE ADR COM 80687P106   410 11,265 SH   SOLE   11,265 0 0
SCHWAB S&P 500 INDEX FUND FUND 808509855   660 9,612 SH   SOLE   9,612 0 0
CHARLES SCHWAB CORPORATION COM 808513105   313 5,518 SH   SOLE   5,518 0 0
SCHWAB US TREASURY MONEY-INV FUND 808515548   605 605,342 SH   DFND   0 0 605,342
SCHWAB US DVD EQUITY ETF FUND 808524797   265 3,642 SH   SOLE   3,642 0 0
SPDR S&P CONS STAPLES SEL ETF COM 81369Y308   580 7,814 SH   DFND   7,639 0 175
SPDR S&P ENERGY SELECT ETF COM 81369Y506   349 4,302 SH   DFND   702 0 3,600
SEMPRA COM 816851109   43,913 301,618 SH   DFND   290,082 0 11,536
SMARTCOOL SYSTEMS INC COM 83171N108   0 10,000 SH   SOLE   10,000 0 0
SOUTHERN COMPANY COM 842587107   331 4,707 SH   SOLE   4,707 0 0
STARBUCKS CORP COM 855244109   1,243 12,550 SH   SOLE   12,550 0 0
STEWARD SM-MID CAP ENH IND FD FUND 860324839   334 28,809 SH   SOLE   28,809 0 0
SUMITOMO MITSUI - SP ADR COM 86562M209   332 38,550 SH   SOLE   38,550 0 0
TAIWAN SEMICONDUCTOR - SP ADR COM 874039100   5,338 52,893 SH   DFND   52,238 0 655
TARGET CORP COM 87612E106   1,652 12,521 SH   DFND   12,106 0 415
TESLA INC. COM 88160R101   1,006 3,843 SH   SOLE   3,843 0 0
TRAVELERS COS INC COM 89417E109   30,015 172,838 SH   DFND   166,243 0 6,595
TYSON FOODS INC - CL A COM 902494103   35,381 693,203 SH   DFND   662,718 0 30,485
ULTA SALON COSMETICS& FRAGR COM 90384S303   5,392 11,457 SH   DFND   10,877 0 580
UNION PACIFIC CORPORATION COM 907818108   1,261 6,161 SH   DFND   6,046 0 115
UNITED PARCEL SERVICE - CL B COM 911312106   54,155 302,119 SH   DFND   289,875 0 12,244
UNITEDHEALTH GROUP INC COM 91324P102   7,418 15,432 SH   DFND   14,873 0 559
VANGUARD HEALTH CARE FUND-INV FUND 921908307   226 1,057 SH   SOLE   1,057 0 0
VANGUARD MSCI EAFE ETF FUND 921943858   246 5,324 SH   DFND   2,267 0 3,057
VANGUARD 500 INDEX FUND-ADM FUND 922908710   436 1,062 SH   SOLE   1,062 0 0
VANGUARD GROWTH ETF FUND 922908736   312 1,103 SH   DFND   65 0 1,038
VANGUARD VALUE ETF FUND 922908744   255 1,793 SH   DFND   187 0 1,606
VERIZON COMMUNICATIONS COM 92343V104   1,975 53,113 SH   DFND   52,505 0 608
VISA INC - CL A COM 92826C839   8,222 34,621 SH   DFND   33,453 0 1,168
VODAFONE GROUP PLC COM 92857W308   322 34,065 SH   SOLE   34,065 0 0
VONTIER CORPORATION COM 928881101   1,259 39,090 SH   DFND   36,790 0 2,300
WARNER BROS DISCOVERY INC COM 934423104   3,586 285,943 SH   DFND   270,856 0 15,087
WELLS FARGO& COMPANY COM 949746101   983 23,034 SH   DFND   21,919 0 1,115
ALLSPRING SHORT TERM INC FD FUND 94987W752   82 10,506 SH   SOLE   10,506 0 0
WESTERN DIGITAL CORP COM 958102105   3,881 102,307 SH   DFND   96,902 0 5,405
WILLIAMS COS INC COM 969457100   608 18,645 SH   SOLE   18,645 0 0
XCEL ENERGY INC COM 98389B100   238 3,828 SH   SOLE   3,828 0 0
CAPRI HOLDINGS LTD COM G1890L107   804 22,410 SH   DFND   21,150 0 1,260
EATON CORP PLC COM G29183103   9,400 46,743 SH   DFND   45,338 0 1,405
FERGUSON PLC COM G3421J106   5,372 34,147 SH   DFND   32,692 0 1,455
MEDTRONIC PLC COM G5960L103   40,463 459,286 SH   DFND   439,964 0 19,322
APTIV PLC COM G6095L109   3,081 30,184 SH   DFND   28,659 0 1,525
RENAISSANCERE HOLDINGS LTD COM G7496G103   1,656 8,879 SH   DFND   8,419 0 460
NXP SEMICONDUCTORS NV COM N6596X109   1,843 9,006 SH   DFND   8,785 0 221