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 9,590 333,455 SH   DFND   21,857 0 311,597
ABBOTT LABORATORIES COM 002824100 11,060 101,017 SH   DFND   2,085 0 98,932
ABBVIE INC COM 00287Y109 1,874 17,487 SH   DFND   150 0 17,337
ADOBE INC. COM 00724F101 733 1,465 SH   DFND   0 0 1,465
AGILENT TECHNOLOGIES INC COM 00846U101 213 1,797 SH   DFND   0 0 1,797
AIR PRODUCTS& CHEMICALS INC COM 009158106 256 936 SH   DFND   0 0 936
ALPHABET CLASS C COM 02079K107 1,727 986 SH   DFND   20 0 966
ALPHABET CLASS A COM 02079K305 21,153 12,069 SH   DFND   538 0 11,531
AMAZON.COM COM 023135106 407 125 SH   DFND   20 0 105
AMERICAN EXPRESS CO COM 025816109 416 3,442 SH   DFND   0 0 3,442
AMERICAN WATER WORKS CO COM 030420103 17,769 115,779 SH   DFND   1,750 0 114,029
AMGEN INC COM 031162100 446 1,938 SH   DFND   175 0 1,763
APPLE INC COM 037833100 35,158 264,966 SH   DFND   10,260 0 254,705
AUTOMATIC DATA PROCESSING INC COM 053015103 781 4,431 SH   DFND   2,150 0 2,281
BANK OF AMERICA CORP COM 060505104 627 20,691 SH   DFND   3,155 0 17,536
BARRICK GOLD CORP COM 067901108 373 16,360 SH   DFND   0 0 16,360
BARON SMALL CAP FUND INSTITUTIONAL CLA 068278803 2,307 59,190 SH   DFND   0 0 59,190
BAXTER INTERNATIONAL INC COM 071813109 257 3,205 SH   DFND   0 0 3,205
BECTON DICKINSON& CO COM 075887109 273 1,090 SH   DFND   0 0 1,090
BERKSHIRE HATHAWAY INC CLASS B COM 084670702 2,193 9,460 SH   DFND   475 0 8,985
BIO RAD LABS INC COM 090572207 344 590 SH   DFND   0 0 590
BLACKROCK INC COM 09247X101 314 435 SH   DFND   0 0 435
BRISTOL-MYERS SQUIBB CO COM 110122108 296 4,770 SH   DFND   200 0 4,570
CSX CORPORATION COM 126408103 3,493 38,495 SH   DFND   1,075 0 37,420
CVS HEALTH CORPORATION COM 126650100 5,554 81,324 SH   DFND   2,475 0 78,849
CALIFORNIA WTR SVC GRP CA COM 130788102 227 4,200 SH   DFND   0 0 4,200
CARRIER GLOBAL CORPORATION COM 14448C104 512 13,569 SH   DFND   395 0 13,174
CHEVRON CORP COM 166764100 10,805 127,946 SH   DFND   5,746 0 122,200
CISCO SYSTEMS INC COM 17275R102 714 15,948 SH   DFND   0 0 15,948
CITIGROUP INC COM 172967424 4,803 77,887 SH   DFND   2,513 0 75,374
COCA-COLA COMPANY COM 191216100 1,585 28,904 SH   DFND   350 0 28,554
COGNIZANT TECH SOL CL A COM 192446102 298 3,640 SH   DFND   3,200 0 440
COLGATE-PALMOLIVE CO. COM 194162103 661 7,729 SH   DFND   3,300 0 4,429
COMCAST CORP CL A (NEW) COM 20030N101 897 17,119 SH   DFND   0 0 17,119
CONOCOPHILLIPS COM 20825C104 1,952 48,804 SH   DFND   2,625 0 46,179
CONSTELLATION BRANDS INC CL A COM 21036P108 7,746 35,362 SH   DFND   1,080 0 34,282
COSTCO WHSL CORP (NEW) COM 22160K105 2,524 6,698 SH   DFND   730 0 5,968
CROWN CASTLE INTERNATIONAL COM 22822V101 15,560 97,747 SH   DFND   2,340 0 95,407
DANAHER CORP COM 235851102 1,262 5,681 SH   DFND   0 0 5,681
DEERE& CO COM 244199105 1,109 4,123 SH   DFND   0 0 4,123
DISNEY CO. (WALT) COM 254687106 24,122 133,136 SH   DFND   8,285 0 124,851
DISCOVER FINL SVCS COM 254709108 8,752 96,672 SH   DFND   2,060 0 94,612
DOW INC COM 260557103 311 5,609 SH   DFND   170 0 5,439
DUKE ENERGY CORP COM 26441C204 769 8,401 SH   DFND   1,046 0 7,355
EOG RESOURCES INC COM 26875P101 1,161 23,275 SH   DFND   390 0 22,885
ETFMG PRIME CYBER SECURITY ETF COM 26924G201 17,453 303,218 SH   DFND   13,490 0 289,728
EATON VANCE DIV BUILDER I FUND 277905634 1,432 84,136 SH   DFND   0 0 84,136
ECOLAB INC COM 278865100 1,775 8,202 SH   DFND   145 0 8,057
EMERSON ELECTRIC COMPANY COM 291011104 1,059 13,175 SH   DFND   0 0 13,175
ENBRIDGE INC COM 29250N105 331 10,340 SH   DFND   125 0 10,215
ENTERPRISE PRD PRTNRS LP COM 293792107 436 22,242 SH   DFND   0 0 22,242
EVERSOURCE ENERGY COM 30040W108 1,059 12,245 SH   DFND   0 0 12,245
EXXON MOBIL CORP COM 30231G102 1,740 42,206 SH   DFND   7,330 0 34,876
FACEBOOK, INC COM 30303M102 254 931 SH   DFND   500 0 431
FEDERATED KAUFMANN SMALL CAP INSTITUTIONAL SHA 31421N402 212 3,343 SH   DFND   0 0 3,343
FORTIVE CORP COMMON SHARE COM 34959J108 217 3,070 SH   DFND   0 0 3,070
GENUINE PARTS CO COM 372460105 359 3,570 SH   DFND   1,850 0 1,720
GLOBAL PAYMENTS INC COM 37940X102 422 1,957 SH   DFND   710 0 1,247
GLOBE LIFE INC COM 37959E102 285 3,004 SH   DFND   0 0 3,004
AMERICAN GROWTH FUND F-3 FUND 399874775 8,088 119,751 SH   DFND   0 0 119,751
HEALTHPEAK PPTYS INC. COM 42250P103 219 7,251 SH   DFND   0 0 7,251
HOME DEPOT INC COM 437076102 5,619 21,155 SH   DFND   955 0 20,200
HONEYWELL INTERNATIONAL INC COM 438516106 965 4,538 SH   DFND   1,730 0 2,808
INTEL CORPORATION COM 458140100 1,135 22,777 SH   DFND   2,929 0 19,848
INTERNATIONAL BUSINESS MACHINE COM 459200101 451 3,582 SH   DFND   150 0 3,432
INVESCO CLEAN ENERGY ETF COM 46137V134 961 9,295 SH   DFND   0 0 9,295
INVESCO WATER RESOURCES ETF COM 46137V142 1,290 27,765 SH   DFND   0 0 27,765
INVESCO DYNAMIC PHARMACEUTICAL COM 46137V662 650 9,100 SH   DFND   0 0 9,100
ISHARES TR S&P 500 INDEX FUND COM 464287200 973 2,592 SH   DFND   0 0 2,592
ISHARES TR MSCI EAFE FUND ETF COM 464287465 1,375 18,840 SH   DFND   0 0 18,840
ISHARES RUSELL MIDCAPE VALUE COM 464287473 828 8,536 SH   DFND   0 0 8,536
ISHARES RUSSELL MID CAP GROWTH COM 464287481 1,130 11,012 SH   DFND   0 0 11,012
ISHARES RUSSELL MIDCAP INDEX COM 464287499 1,480 21,595 SH   DFND   0 0 21,595
ISHARES TR NASDAQ BIO FD NASDAQ BIOTECH IN 464287556 1,417 9,355 SH   DFND   120 0 9,235
ISHARES TR RUSSELL 2000 COM 464287655 741 3,780 SH   DFND   0 0 3,780
ISHARES DJ US REGIONAL BANKS COM 464288778 1,859 40,994 SH   DFND   3,400 0 37,594
ISHARES US MEDICAL DEVICES ETF COM 464288810 12,667 38,700 SH   DFND   555 0 38,145
ISHARES TR USA MIN VOL ID COM 46429B697 234 3,444 SH   DFND   0 0 3,444
ISHARES MSCI USA QUALITYFACTOR COM 46432F339 234 2,014 SH   DFND   0 0 2,014
JPMORGAN CHASE& CO COM 46625H100 20,967 165,000 SH   DFND   5,535 0 159,465
JACOBS ENGINEERING GROUP INC COM 469814107 11,123 102,080 SH   DFND   3,385 0 98,695
JOHNSON& JOHNSON COM 478160104 5,884 37,389 SH   DFND   710 0 36,679
JPMORGAN INCOME BUILDER FUND CLASS I SHARES 4812A3254 2,220 199,608 SH   DFND   0 0 199,608
KIMBERLY CLARK COM 494368103 735 5,448 SH   DFND   2,295 0 3,153
KINDER MORGAN INC COM 49456B101 4,784 349,944 SH   DFND   10,162 0 339,782
KIRKLAND LAKE GOLD LTD COM 49741E100 4,660 112,910 SH   DFND   5,235 0 107,675
ELI LILLY& COMPANY COM 532457108 425 2,518 SH   DFND   0 0 2,518
LOCKHEED MARTIN CORP COM 539830109 3,190 8,987 SH   DFND   160 0 8,827
LOWES CO INC COM 548661107 16,809 104,723 SH   DFND   3,439 0 101,283
MFS VALUE FUND CL I FUND 552983694 5,419 120,136 SH   DFND   0 0 120,136
MASTERCARD INC COM 57636Q104 298 836 SH   DFND   0 0 836
MATTHEWS ASIA DIVIDEND FUND FUND 577125107 2,059 90,986 SH   DFND   0 0 90,986
MATTHEWS PACIFIC TIGER FUND FUND 577130107 375 10,721 SH   DFND   0 0 10,721
MCDONALDS CORP COM 580135101 1,433 6,676 SH   DFND   2,969 0 3,707
MERCK& CO. INC. COM 58933Y105 13,625 166,563 SH   DFND   6,314 0 160,249
METLIFE INC COM 59156R108 9,146 194,804 SH   DFND   6,745 0 188,059
MICROSOFT CORP COM 594918104 32,180 144,679 SH   DFND   3,831 0 140,847
MID AMERICA APARTMENT COM. COM 59522J103 7,950 62,750 SH   DFND   3,535 0 59,215
MONDELEZ INTERNATIONAL INC COM 609207105 2,433 41,614 SH   DFND   2,360 0 39,254
MOODY'S CORP COM 615369105 399 1,376 SH   DFND   0 0 1,376
NATIONAL RETAIL PROPERTIES INC COM 637417106 224 5,475 SH   DFND   50 0 5,425
NESTLE SA SPNSRD ADR REP RG SH COM 641069406 472 4,008 SH   DFND   2,000 0 2,008
AMERICAN NEW PERSPECTIVE FD F3 FUND 648018778 4,136 68,392 SH   DFND   0 0 68,392
NEWMONT CORPORATION COM 651639106 344 5,750 SH   DFND   0 0 5,750
NEXTERA ENERGY INC COM 65339F101 1,769 22,928 SH   DFND   1,200 0 21,728
NIKE INC CL B COM 654106103 228 1,613 SH   DFND   0 0 1,613
NORFOLK SOUTHERN CORP COM 655844108 345 1,453 SH   DFND   0 0 1,453
NOVO-NORDISK A-S ADR F 1 ADR REP 1 ORD 670100205 459 6,570 SH   DFND   6,000 0 570
ORACLE CORP COM 68389X105 1,349 20,860 SH   DFND   500 0 20,360
OTIS WORLDWIDE CORP COM 68902V107 1,343 19,888 SH   DFND   2,954 0 16,934
PAYPAL HLDGS INC COM 70450Y103 219 935 SH   DFND   0 0 935
PEPSICO INCORPORATED COM 713448108 18,122 122,195 SH   DFND   5,040 0 117,155
PFIZER INC COM 717081103 10,707 290,877 SH   DFND   16,811 0 274,066
PRICE T ROWE GROWTH STOCK FD FUND 741479109 493 5,081 SH   SOLE   5,081 0 0
PROCTER AND GAMBLE COMPANY COM 742718109 13,680 98,318 SH   DFND   5,010 0 93,308
PROSHARES ULTRA S&P500 COM 74347R107 598 6,550 SH   DFND   0 0 6,550
PRUDENTIAL FINANCIAL INC COM 744320102 354 4,540 SH   DFND   0 0 4,540
QUALCOMM INC. COM 747525103 24,864 163,210 SH   DFND   4,960 0 158,250
RAYTHEON TECHNOLOGIES CORP COM 75513E101 12,895 180,322 SH   DFND   8,870 0 171,452
T. ROWE PRICE NEW HORIZONS FD FUND 779562107 248 3,019 SH   SOLE   3,019 0 0
S&P 500 DEPOSITARY RECEIPTS COM 78462F103 1,191 3,185 SH   DFND   1,432 0 1,753
SPDR SERIES TRUST S&P BIOTECH COM 78464A870 12,718 90,337 SH   DFND   4,130 0 86,207
SPDR SER TR S&P OILGAS EXP COM 78468R556 278 4,760 SH   DFND   0 0 4,760
SCHLUMBERGER LIMITED COM 806857108 463 21,229 SH   DFND   1,405 0 19,824
SCHWAB S&P 500 INDEX FUN D - SELECT SHARES 808509855 570 9,919 SH   DFND   2,503 0 7,416
SCHWAB CHARLES CORP COM 808513105 315 5,947 SH   DFND   4,548 0 1,399
SCHWAB 1000 FUND FUND 808517106 305 3,646 SH   DFND   860 0 2,785
SCHWAB US LARGE CAP COM 808524201 648 7,130 SH   DFND   20 0 7,110
SECT SPDR HEALTH CARE SELECT COM 81369Y209 651 5,737 SH   DFND   500 0 5,237
SECT SPDR ENERGY SELECT COM 81369Y506 541 14,275 SH   DFND   125 0 14,150
SPDR AMEX TECH SELECT INDEX COM 81369Y803 364 2,800 SH   DFND   300 0 2,500
SECT SPDR THE UTILITES SEL FD COM 81369Y886 746 11,893 SH   DFND   4,468 0 7,425
SEMPRA ENERGY COM 816851109 274 2,149 SH   DFND   0 0 2,149
SIRIUS XM HOLDINGS INC. COM 82968B103 73 11,500 SH   DFND   4,000 0 7,500
STARBUCKS CORP COM 855244109 716 6,689 SH   DFND   0 0 6,689
STARWOOD PROPERTY TRUST, INC. COM 85571B105 276 14,313 SH   DFND   1,110 0 13,203
STRYKER CORP COM 863667101 443 1,809 SH   DFND   1,500 0 309
SYSCO CORP COM 871829107 203 2,730 SH   DFND   2,700 0 30
TJX COMPANIES, INC COM 872540109 236 3,460 SH   DFND   0 0 3,460
TARGET CORP COM 87612E106 257 1,455 SH   DFND   276 0 1,179
TEXAS INSTRUMENTS INCORPORATED COM 882508104 237 1,444 SH   DFND   0 0 1,444
THERMO FISHER SCIENTIFIC INC COM 883556102 21,233 45,586 SH   DFND   310 0 45,276
3M CO COM 88579Y101 953 5,454 SH   DFND   1,515 0 3,939
TRAVELERS COS INC/THE COM 89417E109 1,586 11,302 SH   DFND   0 0 11,302
U.S. BANCORP COM 902973304 10,182 218,539 SH   DFND   10,095 0 208,444
UNION PACIFIC CORPORATION COM 907818108 972 4,668 SH   DFND   280 0 4,388
UNITED PARCEL SERVICE -CL B COM 911312106 9,098 54,028 SH   DFND   1,625 0 52,403
UNITED HEALTH GROUP INC. COM 91324P102 13,856 39,513 SH   DFND   2,010 0 37,503
UNIVERSAL DISPLAY CORP COM 91347P105 615 2,675 SH   DFND   400 0 2,275
VANECK CM COMMODITY INDEX A FUND 921075313 90 19,381 SH   DFND   0 0 19,381
VANGUARD DIVIDEND APPRECIATION ETF 921908844 225 1,593 SH   DFND   0 0 1,593
VANGUARD INTERNATIONAL GROWTH FUND 921910204 343 6,806 SH   DFND   4,410 0 2,396
VANGUARD FTSE ALL WORLD ex US ETF 922042775 1,270 21,770 SH   DFND   0 0 21,770
VANGUARD INFORMATION TECH ETF COM 92204A702 3,782 10,689 SH   DFND   0 0 10,689
VANGUARD INDEX FUNDS 500 INDEX ADMI 922908710 910 2,625 SH   DFND   1,782 0 843
VANGUARD TOTAL STOCK MKT COM 922908769 952 4,889 SH   DFND   210 0 4,679
VERIZON COMMUNICATIONS COM 92343V104 2,143 36,484 SH   DFND   2,497 0 33,986
VISA INC-CLASS A SHRS COM 92826C839 21,407 97,871 SH   DFND   2,715 0 95,156
WEC ENERGY GROUP INC COM 92939U106 268 2,912 SH   DFND   2,600 0 312
WAL MART INC. COM 931142103 646 4,480 SH   DFND   0 0 4,480
WALGREEN BOOTS ALLIANCE INC COM 931427108 392 9,840 SH   DFND   0 0 9,840
WASTE MANAGEMENT INC. COM 94106L109 1,569 13,306 SH   DFND   0 0 13,306
WELLS FARGO& CO (NEW) COM 949746101 373 12,371 SH   DFND   1,475 0 10,896
WEYERHAEUSER COMPANY COM 962166104 1,946 58,035 SH   DFND   3,295 0 54,740
WHEATON PRECIOUS METALS CORP COM 962879102 3,833 91,835 SH   DFND   1,095 0 90,740
WISDOMTREE TRUST EUROPE HEDGED EQUITY FUND 97717X701 3,406 51,376 SH   DFND   1,645 0 49,731
PENTAIR PLC COM G7S00T104 4,429 83,433 SH   DFND   2,725 0 80,708
CHUBB LIMITED COM H1467J104 258 1,676 SH   DFND   0 0 1,676