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
AT&T INC COM 00206R102 8,770 307,615 SH   DFND   13,772 0 293,842
ABBOTT LABORATORIES COM 002824100 11,084 101,849 SH   DFND   2,150 0 99,699
ABBVIE INC COM 00287Y109 1,439 16,429 SH   DFND   150 0 16,279
ADOBE INC. COM 00724F101 772 1,575 SH   DFND   0 0 1,575
AGILENT TECHNOLOGIES INC COM 00846U101 228 2,263 SH   DFND   0 0 2,263
AIR PRODUCTS& CHEMICALS INC COM 009158106 253 850 SH   DFND   0 0 850
ALPHABET CLASS C COM 02079K107 1,417 964 SH   DFND   20 0 944
ALPHABET CLASS A COM 02079K305 18,072 12,331 SH   DFND   537 0 11,794
AMAZON.COM COM 023135106 233 74 SH   DFND   0 0 74
AMERICAN EXPRESS CO COM 025816109 342 3,410 SH   DFND   0 0 3,410
AMERICAN WATER WORKS CO COM 030420103 17,468 120,570 SH   DFND   1,650 0 118,920
AMGEN INC COM 031162100 485 1,907 SH   DFND   325 0 1,582
APPLE INC COM 037833100 33,239 287,011 SH   DFND   10,480 0 276,530
AUTOMATIC DATA PROCESSING INC COM 053015103 733 5,252 SH   DFND   2,390 0 2,862
BANK OF AMERICA CORP COM 060505104 433 17,981 SH   DFND   1,930 0 16,051
BARON SMALL CAP FUND INSTITUTIONAL CLA 068278803 1,962 53,219 SH   DFND   0 0 53,219
BAXTER INTERNATIONAL INC COM 071813109 223 2,775 SH   DFND   0 0 2,775
BECTON DICKINSON& CO COM 075887109 250 1,073 SH   DFND   0 0 1,073
BERKSHIRE HATHAWAY INC CLASS B COM 084670702 1,978 9,289 SH   DFND   475 0 8,814
BIO RAD LABS INC COM 090572207 304 590 SH   DFND   0 0 590
BLACKROCK INC COM 09247X101 213 378 SH   DFND   0 0 378
WILLIAM BLAIR INT'L GROWTH FD CLASS I #1747 093001774 276 8,013 SH   DFND   0 0 8,013
BRISTOL-MYERS SQUIBB CO COM 110122108 257 4,265 SH   DFND   200 0 4,065
CSX CORPORATION COM 126408103 2,867 36,910 SH   DFND   375 0 36,535
CVS HEALTH CORPORATION COM 126650100 4,899 83,879 SH   DFND   2,375 0 81,504
CARRIER GLOBAL CORPORATION COM 14448C104 439 14,383 SH   DFND   470 0 13,913
CHEVRON CORP COM 166764100 9,621 133,631 SH   DFND   5,726 0 127,905
CISCO SYSTEMS INC COM 17275R102 588 14,918 SH   DFND   0 0 14,918
CITIGROUP INC COM 172967424 3,996 92,685 SH   DFND   2,708 0 89,977
COCA-COLA COMPANY COM 191216100 1,417 28,704 SH   DFND   350 0 28,354
COGNIZANT TECH SOL CL A COM 192446102 259 3,725 SH   DFND   3,200 0 525
COLGATE-PALMOLIVE CO. COM 194162103 594 7,699 SH   DFND   3,300 0 4,399
COMCAST CORP CL A (NEW) COM 20030N101 780 16,859 SH   DFND   0 0 16,859
CONOCOPHILLIPS COM 20825C104 231 7,049 SH   DFND   0 0 7,049
CONSTELLATION BRANDS INC CL A COM 21036P108 6,603 34,842 SH   DFND   1,300 0 33,542
COSTCO WHSL CORP (NEW) COM 22160K105 2,289 6,448 SH   DFND   730 0 5,718
CROWN CASTLE INTERNATIONAL COM 22822V101 15,109 90,744 SH   DFND   1,175 0 89,569
DANAHER CORP COM 235851102 1,215 5,643 SH   DFND   0 0 5,643
DEERE& CO COM 244199105 910 4,105 SH   DFND   0 0 4,105
DEVON ENERGY CORP (NEW) COM 25179M103 183 19,389 SH   DFND   100 0 19,289
DISNEY CO. (WALT) COM 254687106 17,068 137,559 SH   DFND   8,240 0 129,319
DISCOVER FINL SVCS COM 254709108 5,728 99,137 SH   DFND   2,260 0 96,877
DOW INC COM 260557103 259 5,507 SH   DFND   186 0 5,321
DUKE ENERGY CORP COM 26441C204 779 8,793 SH   DFND   1,488 0 7,305
EOG RESOURCES INC COM 26875P101 905 25,170 SH   DFND   390 0 24,780
ETFMG PRIME CYBER SECURITY ETF COM 26924G201 14,111 303,208 SH   DFND   13,415 0 289,793
EATON VANCE DIV BUILDER I FUND 277905634 1,291 84,136 SH   DFND   0 0 84,136
ECOLAB INC COM 278865100 1,637 8,190 SH   DFND   145 0 8,045
EMERSON ELECTRIC COMPANY COM 291011104 862 13,145 SH   DFND   0 0 13,145
ENTERPRISE PRD PRTNRS LP COM 293792107 316 20,042 SH   DFND   0 0 20,042
EVERSOURCE ENERGY COM 30040W108 1,151 13,775 SH   DFND   0 0 13,775
EXXON MOBIL CORP COM 30231G102 1,806 52,601 SH   DFND   7,880 0 44,721
FORTIVE CORP COMMON SHARE COM 34959J108 232 3,050 SH   DFND   0 0 3,050
GENUINE PARTS CO COM 372460105 340 3,570 SH   DFND   1,850 0 1,720
GLOBE LIFE INC COM 37959E102 240 3,004 SH   DFND   0 0 3,004
AMERICAN GROWTH FUND F-3 FUND 399874775 7,021 115,393 SH   DFND   0 0 115,393
HEALTHPEAK PPTYS INC. COM 42250P103 244 8,991 SH   DFND   1,800 0 7,191
HOME DEPOT INC COM 437076102 5,283 19,024 SH   DFND   790 0 18,234
HONEYWELL INTERNATIONAL INC COM 438516106 806 4,899 SH   DFND   1,930 0 2,969
INTEL CORPORATION COM 458140100 1,321 25,517 SH   DFND   2,929 0 22,588
INTERNATIONAL BUSINESS MACHINE COM 459200101 472 3,881 SH   DFND   305 0 3,576
INVESCO CLEAN ENERGY ETF COM 46137V134 565 9,295 SH   DFND   0 0 9,295
INVESCO WATER RESOURCES ETF COM 46137V142 1,153 29,065 SH   DFND   0 0 29,065
INVESCO DYNAMIC PHARMACEUTICAL COM 46137V662 604 9,450 SH   DFND   0 0 9,450
ISHARES TR S&P 500 INDEX FUND COM 464287200 817 2,431 SH   DFND   0 0 2,431
ISHARES TR MSCI EAFE FUND ETF COM 464287465 1,199 18,840 SH   DFND   0 0 18,840
ISHARES RUSELL MIDCAPE VALUE COM 464287473 690 8,536 SH   DFND   0 0 8,536
ISHARES RUSSELL MID CAP GROWTH COM 464287481 952 5,506 SH   DFND   0 0 5,506
ISHARES RUSSELL MIDCAP INDEX COM 464287499 945 16,475 SH   DFND   0 0 16,475
ISHARES TR NASDAQ BIO FD NASDAQ BIOTECH IN 464287556 1,257 9,280 SH   DFND   0 0 9,280
ISHARES TR RUSSELL 2000 COM 464287655 494 3,300 SH   DFND   0 0 3,300
ISHARES DJ US REGIONAL BANKS COM 464288778 1,480 45,204 SH   DFND   3,375 0 41,829
ISHARES US MEDICAL DEVICES ETF COM 464288810 11,765 39,265 SH   DFND   555 0 38,710
ISHARES TR USA MIN VOL ID COM 46429B697 202 3,166 SH   DFND   0 0 3,166
ISHARES MSCI USA QUALITYFACTOR COM 46432F339 209 2,014 SH   DFND   0 0 2,014
JPMORGAN CHASE& CO COM 46625H100 15,949 165,667 SH   DFND   6,445 0 159,222
JACOBS ENGINEERING GROUP INC COM 469814107 9,642 103,930 SH   DFND   2,860 0 101,070
JOHNSON& JOHNSON COM 478160104 5,522 37,090 SH   DFND   710 0 36,380
JPMORGAN INCOME BUILDER FUND CLASS I SHARES 4812A3254 2,050 198,656 SH   DFND   0 0 198,656
KIMBERLY CLARK COM 494368103 827 5,602 SH   DFND   2,745 0 2,857
KINDER MORGAN INC COM 49456B101 6,104 495,061 SH   DFND   10,412 0 484,649
KIRKLAND LAKE GOLD LTD COM 49741E100 3,883 79,690 SH   DFND   3,335 0 76,355
ELI LILLY& COMPANY COM 532457108 367 2,477 SH   DFND   0 0 2,477
LOCKHEED MARTIN CORP COM 539830109 1,737 4,532 SH   DFND   30 0 4,502
LOWES CO INC COM 548661107 17,210 103,762 SH   DFND   2,834 0 100,928
MFS VALUE FUND CL I FUND 552983694 4,820 118,660 SH   DFND   0 0 118,660
MASTERCARD INC COM 57636Q104 231 683 SH   DFND   0 0 683
MATTHEWS ASIA DIVIDEND FUND FUND 577125107 1,798 90,986 SH   DFND   0 0 90,986
MATTHEWS PACIFIC TIGER FUND FUND 577130107 333 10,721 SH   DFND   0 0 10,721
MCDONALDS CORP COM 580135101 1,456 6,634 SH   DFND   2,969 0 3,665
MERCK& CO. INC. COM 58933Y105 13,539 163,215 SH   DFND   4,589 0 158,626
METLIFE INC COM 59156R108 7,163 192,714 SH   DFND   6,580 0 186,134
MICROSOFT CORP COM 594918104 31,301 148,816 SH   DFND   4,426 0 144,389
MID AMERICA APARTMENT COM. COM 59522J103 6,746 58,179 SH   DFND   3,215 0 54,964
MONDELEZ INTERNATIONAL INC COM 609207105 2,481 43,184 SH   DFND   2,660 0 40,524
MOODY'S CORP COM 615369105 396 1,367 SH   DFND   0 0 1,367
NESTLE SA SPNSRD ADR REP RG SH COM 641069406 478 4,008 SH   DFND   2,000 0 2,008
AMERICAN NEW PERSPECTIVE FD F3 FUND 648018778 3,542 65,722 SH   DFND   0 0 65,722
NEWMONT CORPORATION COM 651639106 362 5,700 SH   DFND   0 0 5,700
NEXTERA ENERGY INC COM 65339F101 1,653 5,954 SH   DFND   550 0 5,404
NORFOLK SOUTHERN CORP COM 655844108 308 1,437 SH   DFND   0 0 1,437
NOVO-NORDISK A-S ADR F 1 ADR REP 1 ORD 670100205 543 7,820 SH   DFND   6,000 0 1,820
ORACLE CORP COM 68389X105 1,287 21,550 SH   DFND   500 0 21,050
OTIS WORLDWIDE CORP COM 68902V107 1,264 20,243 SH   DFND   2,991 0 17,252
PEPSICO INCORPORATED COM 713448108 17,307 124,867 SH   DFND   5,190 0 119,677
PFIZER INC COM 717081103 10,058 274,053 SH   DFND   12,836 0 261,217
PIMCO INCOME FD CL I-2 FUND 72201M719 122 10,414 SH   DFND   0 0 10,414
PRICE T ROWE GROWTH STOCK FD FUND 741479109 428 4,771 SH   SOLE   4,771 0 0
PROCTER AND GAMBLE COMPANY COM 742718109 14,093 101,397 SH   DFND   5,835 0 95,562
PROSHARES ULTRA S&P500 COM 74347R107 481 6,550 SH   DFND   0 0 6,550
QUALCOMM INC. COM 747525103 19,783 168,108 SH   DFND   4,360 0 163,748
RAYTHEON TECHNOLOGIES CORP COM 75513E101 10,470 181,955 SH   DFND   9,436 0 172,519
T. ROWE PRICE NEW HORIZONS FD FUND 779562107 243 3,019 SH   SOLE   3,019 0 0
S&P 500 DEPOSITARY RECEIPTS COM 78462F103 1,102 3,292 SH   DFND   1,492 0 1,800
SPDR SERIES TRUST S&P BIOTECH COM 78464A870 10,231 91,814 SH   DFND   4,280 0 87,534
SCHLUMBERGER LIMITED COM 806857108 841 54,017 SH   DFND   1,935 0 52,082
SCHWAB S&P 500 INDEX FUN D - SELECT SHARES 808509855 521 9,994 SH   DFND   2,578 0 7,416
SCHWAB CHARLES CORP COM 808513105 213 5,887 SH   DFND   4,548 0 1,339
SCHWAB 1000 FUND FUND 808517106 275 3,646 SH   DFND   860 0 2,785
SCHWAB US LARGE CAP COM 808524201 575 7,130 SH   DFND   270 0 6,860
SECT SPDR MATERIALS FUND COM 81369Y100 207 3,250 SH   DFND   2,500 0 750
SECT SPDR HEALTH CARE SELECT COM 81369Y209 632 5,987 SH   DFND   500 0 5,487
AMEX FINANCIAL SELECT SPDR COM 81369Y605 491 20,395 SH   DFND   400 0 19,995
SPDR AMEX TECH SELECT INDEX COM 81369Y803 327 2,800 SH   DFND   300 0 2,500
SECT SPDR THE UTILITES SEL FD COM 81369Y886 760 12,793 SH   DFND   4,568 0 8,225
SEMPRA ENERGY COM 816851109 254 2,149 SH   DFND   0 0 2,149
SIRIUS XM HOLDINGS INC. COM 82968B103 62 11,500 SH   DFND   4,000 0 7,500
STARBUCKS CORP COM 855244109 569 6,619 SH   DFND   0 0 6,619
STARWOOD PROPERTY TRUST, INC. COM 85571B105 302 20,006 SH   DFND   1,110 0 18,896
STRYKER CORP COM 863667101 477 2,290 SH   DFND   1,500 0 790
TARGET CORP COM 87612E106 224 1,426 SH   DFND   276 0 1,150
THERMO FISHER SCIENTIFIC INC COM 883556102 20,365 46,125 SH   DFND   175 0 45,950
3M CO COM 88579Y101 884 5,518 SH   DFND   1,665 0 3,853
TRAVELERS COS INC/THE COM 89417E109 1,223 11,302 SH   DFND   0 0 11,302
U.S. BANCORP COM 902973304 6,144 171,392 SH   DFND   8,888 0 162,504
UNION PACIFIC CORPORATION COM 907818108 1,251 6,352 SH   DFND   280 0 6,072
UNITED PARCEL SERVICE -CL B COM 911312106 9,130 54,795 SH   DFND   1,745 0 53,050
UNITED HEALTH GROUP INC. COM 91324P102 12,276 39,376 SH   DFND   1,965 0 37,411
UNIVERSAL DISPLAY CORP COM 91347P105 483 2,675 SH   DFND   400 0 2,275
VANGUARD DIVIDEND APPRECIATION ETF 921908844 205 1,593 SH   DFND   0 0 1,593
VANGUARD INTERNATIONAL GROWTH FUND 921910204 287 6,806 SH   DFND   4,410 0 2,396
VANGUARD FTSE ALL WORLD ex US ETF 922042775 1,098 21,770 SH   DFND   0 0 21,770
VANGUARD INFORMATION TECH ETF COM 92204A702 3,279 10,529 SH   DFND   0 0 10,529
VANGUARD INDEX FUNDS 500 INDEX ADMI 922908710 796 2,564 SH   DFND   1,782 0 782
VANGUARD TOTAL STOCK MKT COM 922908769 797 4,679 SH   DFND   0 0 4,679
VERIZON COMMUNICATIONS COM 92343V104 2,090 35,132 SH   DFND   3,017 0 32,114
VISA INC-CLASS A SHRS COM 92826C839 18,134 90,686 SH   DFND   1,950 0 88,736
WEC ENERGY GROUP INC COM 92939U106 280 2,892 SH   DFND   2,600 0 292
WAL MART INC. COM 931142103 574 4,100 SH   DFND   0 0 4,100
WASTE MANAGEMENT INC. COM 94106L109 1,616 14,283 SH   DFND   0 0 14,283
WELLS FARGO& CO (NEW) COM 949746101 247 10,516 SH   DFND   750 0 9,766
WEYERHAEUSER COMPANY COM 962166104 5,319 186,513 SH   DFND   6,070 0 180,443
WHEATON PRECIOUS METALS CORP COM 962879102 378 7,700 SH   DFND   0 0 7,700
WISDOMTREE TRUST EUROPE HEDGED EQUITY FUND 97717X701 3,166 51,276 SH   DFND   1,685 0 49,591
PENTAIR PLC COM G7S00T104 4,410 96,359 SH   DFND   4,275 0 92,084