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
ACCENTURE PLC FOREIGN EQUITIES G1151C101   4,853,343 14,003 SH   SOLE   14,003 0 0
ACCENTURE PLC FOREIGN EQUITIES G1151C101   32,233 93 SH   DFND   93 0 0
EATON CORP PLC FOREIGN EQUITIES G29183103   1,879,120 6,010 SH   SOLE   6,010 0 0
LINDE PLC NVP FOREIGN EQUITIES G54950103   6,056,006 13,043 SH   SOLE   13,043 0 0
LINDE PLC NVP FOREIGN EQUITIES G54950103   39,930 86 SH   DFND   86 0 0
MEDTRONIC PLC FOREIGN EQUITIES G5960L103   3,796,302 43,562 SH   SOLE   43,562 0 0
CHUBB LTD SWITZERLAND FOREIGN EQUITIES H1467J104   763,627 2,947 SH   SOLE   2,947 0 0
TE CONNECTIVITY LTD FOREIGN EQUITIES H84989104   2,294,971 15,802 SH   SOLE   15,802 0 0
TE CONNECTIVITY LTD FOREIGN EQUITIES H84989104   14,812 102 SH   DFND   102 0 0
ASML HOLDING NV FOREIGN EQUITIES N07059210   5,500,493 5,668 SH   SOLE   5,668 0 0
ASML HOLDING NV FOREIGN EQUITIES N07059210   19,409 20 SH   DFND   20 0 0
NXP SEMICONDUCTORS FOREIGN EQUITIES N6596X109   6,697,602 27,032 SH   SOLE   27,032 0 0
NXP SEMICONDUCTORS FOREIGN EQUITIES N6596X109   53,765 217 SH   DFND   217 0 0
AT&T INC COMMON STOCK 00206R102   684,259 38,902 SH   SOLE   38,902 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100   5,239,835 46,102 SH   SOLE   46,102 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100   37,393 329 SH   DFND   329 0 0
ABBVIE INC COMMON STOCK 00287Y109   10,138,460 55,676 SH   SOLE   55,676 0 0
ABBVIE INC COMMON STOCK 00287Y109   55,904 307 SH   DFND   307 0 0
AIR PRODUCTS AND CHEMICALS INC. COMMON STOCK 009158106   835,318 3,448 SH   SOLE   3,448 0 0
AIR PRODUCTS AND CHEMICALS INC. COMMON STOCK 009158106   2,907 12 SH   DFND   12 0 0
ALPHABET INC. CLASS C COMMON STOCK 02079K107   12,529,206 82,289 SH   SOLE   82,289 0 0
ALPHABET INC. CLASS C COMMON STOCK 02079K107   77,346 508 SH   DFND   508 0 0
ALPHABET INC. CLASS A COMMON STOCK 02079K305   212,050 1,405 SH   SOLE   1,405 0 0
AMAZON.COM INC COMMON STOCK 023135106   11,866,895 65,789 SH   SOLE   65,789 0 0
AMAZON.COM INC COMMON STOCK 023135106   75,758 420 SH   DFND   420 0 0
AMERICAN ELECTRIC POWER CO COMMON STOCK 025537101   715,295 8,308 SH   SOLE   8,308 0 0
AMERICAN NATL BANKSHARES INC COM COMMON STOCK 027745108   5,896,640 123,490 SH   SOLE   123,490 0 0
AMETEK INC NEW COM COMMON STOCK 031100100   6,914,055 37,803 SH   SOLE   37,803 0 0
AMETEK INC NEW COM COMMON STOCK 031100100   63,830 349 SH   DFND   349 0 0
AMGEN INC COMMON STOCK 031162100   828,766 2,915 SH   SOLE   2,915 0 0
ANALOG DEVICES INC COMMON STOCK 032654105   5,731,040 28,976 SH   SOLE   28,976 0 0
ANALOG DEVICES INC COMMON STOCK 032654105   29,667 150 SH   DFND   150 0 0
ELEVANCE HEALTH INC (FORMERLY ANTHEM) COMMON STOCK 036752103   4,622,583 8,915 SH   SOLE   8,915 0 0
ELEVANCE HEALTH INC (FORMERLY ANTHEM) COMMON STOCK 036752103   14,000 27 SH   DFND   27 0 0
APPLE INC COMMON STOCK 037833100   19,822,108 115,595 SH   SOLE   115,595 0 0
APPLE INC COMMON STOCK 037833100   128,437 749 SH   DFND   749 0 0
ARISTA NETWORKS INC COMMON STOCK 040413106   641,117 2,211 SH   SOLE   2,211 0 0
ASTRAZENECA PLC NPV ADR FOREIGN EQUITIES 046353108   429,175 6,335 SH   SOLE   6,335 0 0
AUTODESK INC COMMON STOCK 052769106   283,837 1,090 SH   SOLE   1,090 0 0
AUTOZONE INC COMMON STOCK 053332102   226,912 72 SH   SOLE   72 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104   1,321,931 34,871 SH   SOLE   34,871 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW COMMON STOCK 084670702   12,776,659 30,384 SH   SOLE   30,384 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW COMMON STOCK 084670702   123,208 293 SH   DFND   293 0 0
BLACKROCK INC. COMMON STOCK 09247X101   1,077,951 1,293 SH   SOLE   1,293 0 0
BROADCOM INC COMMON STOCK 11135F101   5,015,318 3,784 SH   SOLE   3,784 0 0
BROADCOM INC COMMON STOCK 11135F101   39,762 30 SH   DFND   30 0 0
BROOKFIELD CORP NVP FOREIGN EQUITIES 11271J107   5,676,025 135,598 SH   SOLE   135,598 0 0
BROOKFIELD CORP NVP FOREIGN EQUITIES 11271J107   40,100 958 SH   DFND   958 0 0
BROOKFIELD RENEWABLE CORP FOREIGN EQUITIES 11284V105   345,244 14,058 SH   SOLE   14,058 0 0
BROOKFIELD ASSET MGMT LTD CLASS A VOTING SHA FOREIGN EQUITIES RE1130041   1,434,876 34,150 SH   SOLE   34,150 0 0
BROOKFIELD ASSET MGMT LTD CLASS A VOTING SHA FOREIGN EQUITIES RE1130041   9,370 223 SH   DFND   223 0 0
CME GROUP INC COMMON STOCK 12572Q105   523,989 2,434 SH   SOLE   2,434 0 0
CHEMED CORPORATON COMMON STOCK 16359R103   3,111,256 4,847 SH   SOLE   4,847 0 0
CHEMED CORPORATON COMMON STOCK 16359R103   10,912 17 SH   DFND   17 0 0
CHEVRON CORPORATION COMMON STOCK 166764100   6,952,244 44,075 SH   SOLE   44,075 0 0
CHEVRON CORPORATION COMMON STOCK 166764100   25,711 163 SH   DFND   163 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102   1,940,830 38,895 SH   SOLE   38,895 0 0
COCA COLA CO COM COMMON STOCK 191216100   1,821,790 29,778 SH   SOLE   29,778 0 0
COLGATE PALMOLIVE COMPANY COMMON STOCK 194162103   706,169 7,842 SH   SOLE   7,842 0 0
COLGATE PALMOLIVE COMPANY COMMON STOCK 194162103   10,715 119 SH   DFND   119 0 0
COMCAST CORP CLASS A COMMON STOCK 20030N101   418,512 9,657 SH   SOLE   9,657 0 0
COMCAST CORP CLASS A COMMON STOCK 20030N101   7,194 166 SH   DFND   166 0 0
CONSTELLATION BRANDS CLASS A COMMON STOCK 21036P108   5,113,599 18,817 SH   SOLE   18,817 0 0
CONSTELLATION BRANDS CLASS A COMMON STOCK 21036P108   25,273 93 SH   DFND   93 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105   2,479,944 3,385 SH   SOLE   3,385 0 0
D R HORTON INC COMMON STOCK 23331A109   265,739 1,615 SH   SOLE   1,615 0 0
DIAGEO PLC SPON ADR NEW FOREIGN EQUITIES 25243Q205   4,419,234 29,712 SH   SOLE   29,712 0 0
DIAGEO PLC SPON ADR NEW FOREIGN EQUITIES 25243Q205   12,345 83 SH   DFND   83 0 0
DOLLAR GEN CORP NEW COM COMMON STOCK 256677105   3,328,184 21,327 SH   SOLE   21,327 0 0
DOLLAR GEN CORP NEW COM COMMON STOCK 256677105   11,080 71 SH   DFND   71 0 0
DOMINION RES INC VA NEW COMMON STOCK 25746U109   294,339 5,985 SH   SOLE   5,985 0 0
DUKE ENERGY CORP NEW COMMON STOCK 26441C204   1,447,620 14,969 SH   SOLE   14,969 0 0
EOG RESOURCES INC COMMON STOCK 26875P101   355,105 2,778 SH   SOLE   2,778 0 0
EMERSON ELECTRIC CO COMMON STOCK 291011104   1,010,772 8,912 SH   SOLE   8,912 0 0
ENBRIDGE INC NPV FOREIGN EQUITIES 29250N105   1,096,186 30,299 SH   SOLE   30,299 0 0
ENBRIDGE INC NPV FOREIGN EQUITIES 29250N105   6,005 166 SH   DFND   166 0 0
EXXON MOBIL CORP COM COMMON STOCK 30231G102   2,168,193 18,653 SH   SOLE   18,653 0 0
META PLATFORMS (FORMERLY FACEBOOK INC) COMMON STOCK 30303M102   10,329,622 21,273 SH   SOLE   21,273 0 0
META PLATFORMS (FORMERLY FACEBOOK INC) COMMON STOCK 30303M102   51,470 106 SH   DFND   106 0 0
FIDELITY MSCI HEALTH CARE ETF - EQUITY 316092600   221,371 3,173 SH   SOLE   3,173 0 0
FIDELITY MSCI INFO TECH ETF - EQUITY 316092808   501,485 3,218 SH   SOLE   3,218 0 0
FIRST BANCORP COMMON STOCK 318910106   4,071,109 112,742 SH   SOLE   112,742 0 0
GARTNER INC. COMMON STOCK 366651107   248,811 522 SH   SOLE   522 0 0
GENERAL MILLS INC COMMON STOCK 370334104   936,312 13,382 SH   SOLE   13,382 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103   578,377 7,896 SH   SOLE   7,896 0 0
HOME DEPOT INC COMMON STOCK 437076102   1,741,464 4,540 SH   SOLE   4,540 0 0
HOME DEPOT INC COMMON STOCK 437076102   31,070 81 SH   DFND   81 0 0
HONEYWELL INTL INC COM COMMON STOCK 438516106   4,548,228 22,160 SH   SOLE   22,160 0 0
HONEYWELL INTL INC COM COMMON STOCK 438516106   29,350 143 SH   DFND   143 0 0
HOOKER FURNITURE CORP COMMON STOCK 439038100   357,360 14,890 SH   SOLE   14,890 0 0
HUNTINGTON BANKSHARES INC COMMON STOCK 446150104   785,263 56,293 SH   SOLE   56,293 0 0
INTEL CORPORATION COMMON STOCK 458140100   4,343,113 98,352 SH   SOLE   98,352 0 0
INTEL CORPORATION COMMON STOCK 458140100   24,022 544 SH   DFND   544 0 0
INTUITIVE SURGICAL INC. COMMON STOCK 46120E602   937,434 2,349 SH   SOLE   2,349 0 0
INVESCO TAXABLE MUNI BOND ETF - FIXED 46138G805   442,439 16,672 SH   SOLE   16,672 0 0
INVESCO BULLETSHS 2031 ETF - FIXED 46138J429   245,702 15,252 SH   SOLE   15,252 0 0
INVESCO BULLETSHS 2030 ETF - FIXED 46138J460   327,723 20,008 SH   SOLE   20,008 0 0
INVESCO BULLETSHS 2032 ETF - FIXED 46139W858   544,738 26,901 SH   SOLE   26,901 0 0
QUINTILES IMS COMMON STOCK 46266C105   206,607 817 SH   SOLE   817 0 0
I SHARES TR S & P 500 INDEX FUND ETF - EQUITY 464287200   720,233 1,370 SH   SOLE   1,370 0 0
I SHARES TR S & P 500 INDEX FUND ETF - EQUITY 464287200   1,032,513 1,964 SH   DFND   1,964 0 0
ISHARES 7-10 YEAR TRES ETF ETF - FIXED 464287440   1,024,266 10,822 SH   SOLE   10,822 0 0
ISHARES 7-10 YEAR TRES ETF ETF - FIXED 464287440   23,662 250 SH   DFND   250 0 0
ISHARES 1-3 YR TREASURY BOND ETF - FIXED 464287457   1,245,717 15,233 SH   SOLE   15,233 0 0
ISHARES MSCI EAFE ETF FOREIGN EQUITIES 464287465   5,588,277 69,976 SH   SOLE   69,976 0 0
I SHARES TR RUSSEL MIDCAP INDEX FD ETF - EQUITY 464287499   1,329,376 15,809 SH   SOLE   15,809 0 0
ISHARES S&P MIDCAP 400 ETF - EQUITY 464287507   374,156 6,160 SH   SOLE   6,160 0 0
ISHARES RUSSELL 2000 ETF COMMON STOCK 464287655   331,011 1,574 SH   SOLE   1,574 0 0
ISHARES CORE S&P SMALLCAP ETF - EQUITY 464287804   595,700 5,390 SH   SOLE   5,390 0 0
ISHARES NATIONAL MUNI BD ETF - FIXED 464288414   606,755 5,639 SH   SOLE   5,639 0 0
ISHARES INTERMED GOVT/CREDITBOND ETF - FIXED 464288612   1,086,583 10,450 SH   SOLE   10,450 0 0
ISHARES 3-7 YEAR TREASURY BOND ETF - FIXED 464288661   669,805 5,784 SH   SOLE   5,784 0 0
ISHARES 3-7 YEAR TREASURY BOND ETF - FIXED 464288661   24,435 211 SH   DFND   211 0 0
ISHARES TR CORE MSCI EAFE FOREIGN EQUITIES 46432F842   467,134 6,294 SH   SOLE   6,294 0 0
ISHARES INC CORE MSCI EM FOREIGN EQUITIES 46434G103   208,055 4,033 SH   SOLE   4,033 0 0
ETF ISHARES TTL CORE US BND ETF - FIXED 46434V613   1,259,160 27,620 SH   SOLE   27,620 0 0
ISHARES IBONDS DEC 2033 ETF - FIXED 46436E148   1,183,463 48,723 SH   SOLE   48,723 0 0
ISHARES IBONDS DEC 2024 ETF - FIXED 46436E874   269,681 11,270 SH   SOLE   11,270 0 0
J P MORGAN CHASE & CO COMMON STOCK 46625H100   9,808,764 48,971 SH   SOLE   48,971 0 0
J P MORGAN CHASE & CO COMMON STOCK 46625H100   72,508 362 SH   DFND   362 0 0
JOHNSON & JOHNSON COM COMMON STOCK 478160104   2,368,858 14,975 SH   SOLE   14,975 0 0
JOHNSON & JOHNSON COM COMMON STOCK 478160104   35,117 222 SH   DFND   222 0 0
LABORATORY CORP OF AMERICA HLDGS COMMON STOCK 50540R409   283,559 1,298 SH   SOLE   1,298 0 0
ELI LILLY & CO COMMON STOCK 532457108   1,447,002 1,860 SH   SOLE   1,860 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109   901,047 1,981 SH   SOLE   1,981 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109   4,093 9 SH   DFND   9 0 0
LOWES COMPANY INC COMMON STOCK 548661107   7,462,190 29,295 SH   SOLE   29,295 0 0
LOWES COMPANY INC COMMON STOCK 548661107   68,266 268 SH   DFND   268 0 0
MARKEL GROUP INC FORMERLY MARKEL CO COMMON STOCK RP5705351   4,021,142 2,643 SH   SOLE   2,643 0 0
MARKEL GROUP INC FORMERLY MARKEL CO COMMON STOCK RP5705351   38,036 25 SH   DFND   25 0 0
MASTERCARD INC COMMON STOCK 57636Q104   7,779,149 16,154 SH   SOLE   16,154 0 0
MASTERCARD INC COMMON STOCK 57636Q104   60,677 126 SH   DFND   126 0 0
MCDONALDS CORP COM COMMON STOCK 580135101   965,326 3,424 SH   SOLE   3,424 0 0
MCDONALDS CORP COM COMMON STOCK 580135101   12,687 45 SH   DFND   45 0 0
MERCK & CO NEW COMMON STOCK 58933Y105   7,146,018 54,158 SH   SOLE   54,158 0 0
MERCK & CO NEW COMMON STOCK 58933Y105   93,551 709 SH   DFND   709 0 0
MICROSOFT CORPORATION COMMON STOCK 594918104   27,618,639 65,648 SH   SOLE   65,648 0 0
MICROSOFT CORPORATION COMMON STOCK 594918104   191,843 456 SH   DFND   456 0 0
MONDELEZ INTERNATIONAL INC. COMMON STOCK 609207105   1,040,270 14,861 SH   SOLE   14,861 0 0
MORGAN STANLEY DEAN WITTER DISCOVER & CO COMMON STOCK 617446448   401,908 4,269 SH   SOLE   4,269 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101   4,802,543 75,159 SH   SOLE   75,159 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101   14,888 233 SH   DFND   233 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108   283,921 1,114 SH   SOLE   1,114 0 0
NORTHROP GRUMMAN CORP COMMON STOCK 666807102   3,450,454 7,209 SH   SOLE   7,209 0 0
NORTHROP GRUMMAN CORP COMMON STOCK 666807102   10,051 21 SH   DFND   21 0 0
NUCOR COMMON STOCK 670346105   325,143 1,643 SH   SOLE   1,643 0 0
NUVEEN VIRGINIA PREMIUM INCOME MUN FUND MUTUAL FUNDS-NON TAX 67064R102   509,242 46,002 SH   SOLE   46,002 0 0
NVIDIA CORPORATION COMMON STOCK 67066G104   15,549,076 17,209 SH   SOLE   17,209 0 0
NVIDIA CORPORATION COMMON STOCK 67066G104   42,466 47 SH   DFND   47 0 0
PNC BANK CORP COMMON STOCK 693475105   2,842,787 17,592 SH   SOLE   17,592 0 0
PNC BANK CORP COMMON STOCK 693475105   19,068 118 SH   DFND   118 0 0
PAYCHEX INC COM COMMON STOCK 704326107   814,875 6,636 SH   SOLE   6,636 0 0
PEPSICO INC COM COMMON STOCK 713448108   5,248,969 29,993 SH   SOLE   29,993 0 0
PEPSICO INC COM COMMON STOCK 713448108   9,800 56 SH   DFND   56 0 0
PFIZER INC COM COMMON STOCK 717081103   285,100 10,274 SH   SOLE   10,274 0 0
PHILLIP MORRIS INTL INC COMMON STOCK 718172109   302,985 3,307 SH   SOLE   3,307 0 0
PROCTER & GAMBLE CO COM COMMON STOCK 742718109   7,618,666 46,957 SH   SOLE   46,957 0 0
PROCTER & GAMBLE CO COM COMMON STOCK 742718109   16,711 103 SH   DFND   103 0 0
PROLOGIS INC COMMON STOCKS REITS DTC 74340W103   417,592 3,207 SH   SOLE   3,207 0 0
QUALCOMM INC COMMON STOCK 747525103   1,866,505 11,025 SH   SOLE   11,025 0 0
RTX CORPORATION (FORMERLY RAYTHEON TECH) COMMON STOCK 75513E101   5,748,966 58,947 SH   SOLE   58,947 0 0
RTX CORPORATION (FORMERLY RAYTHEON TECH) COMMON STOCK 75513E101   34,915 358 SH   DFND   358 0 0
ROPER INDS INC NEW COMMON STOCK 776696106   6,280,614 11,199 SH   SOLE   11,199 0 0
ROPER INDS INC NEW COMMON STOCK 776696106   33,649 60 SH   DFND   60 0 0
S&P GLOBAL INC COMMON STOCK 78409V104   5,198,887 12,220 SH   SOLE   12,220 0 0
S&P GLOBAL INC COMMON STOCK 78409V104   44,246 104 SH   DFND   104 0 0
SPDR S&P 500 ETF TR TR UNIT ETF - EQUITY 78462F103   13,028,099 24,907 SH   SOLE   24,907 0 0
STARBUCKS CORPORATION COMMON STOCK 855244109   841,028 9,203 SH   SOLE   9,203 0 0
SYSCO CORPORATION COMMON STOCK 871829107   255,875 3,152 SH   SOLE   3,152 0 0
SYSCO CORPORATION COMMON STOCK 871829107   10,147 125 SH   DFND   125 0 0
TJX COMPANIES INC COMMON STOCK 872540109   8,257,180 81,417 SH   SOLE   81,417 0 0
TJX COMPANIES INC COMMON STOCK 872540109   71,398 704 SH   DFND   704 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104   1,374,660 7,891 SH   SOLE   7,891 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104   5,748 33 SH   DFND   33 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102   7,261,521 12,494 SH   SOLE   12,494 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102   44,170 76 SH   DFND   76 0 0
TRACTOR SUPPLY CO COMMON STOCK 892356106   625,220 2,389 SH   SOLE   2,389 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109   726,986 3,159 SH   SOLE   3,159 0 0
TRUIST FINANCIAL CORPORATION COMMON STOCK 89832Q109   434,006 11,137 SH   SOLE   11,137 0 0
US BANCORP COMMON STOCK 902973304   490,877 10,982 SH   SOLE   10,982 0 0
UNION PACIFIC CORP COMMON STOCK 907818108   4,777,556 19,427 SH   SOLE   19,427 0 0
UNION PACIFIC CORP COMMON STOCK 907818108   28,281 115 SH   DFND   115 0 0
UNITED PARCEL SERVICE CLASS B COMMON STOCK 911312106   810,888 5,456 SH   SOLE   5,456 0 0
UNITED PARCEL SERVICE CLASS B COMMON STOCK 911312106   4,310 29 SH   DFND   29 0 0
VANGUARD MID CAP ETF COMMON STOCK 922908629   443,001 1,773 SH   SOLE   1,773 0 0
VERIZON COMMUNICATIONS INC COMMON STOCK 92343V104   447,416 10,666 SH   SOLE   10,666 0 0
VISA INC COM CL A COMMON STOCK 92826C839   9,218,107 33,032 SH   SOLE   33,032 0 0
VISA INC COM CL A COMMON STOCK 92826C839   70,324 252 SH   DFND   252 0 0
WAL-MART STORES COMMON STOCK 931142103   1,207,948 20,076 SH   SOLE   20,076 0 0
WELLS FARGO & CO NEW COMMON STOCK 949746101   788,962 13,615 SH   SOLE   13,615 0 0
XYLEM INC COMMON STOCK 98419M100   3,414,798 26,423 SH   SOLE   26,423 0 0
XYLEM INC COMMON STOCK 98419M100   32,180 249 SH   DFND   249 0 0