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
ABBOTT LABS COM 002824100   1,851,928 16,825 SH   SOLE   16,825 0 0
ABBOTT LABS COM 002824100   1,692,326 15,375 SH   DFND 7 0 15,375 0
ABBOTT LABS COM 002824100   101,815 925 SH   DFND 01,06 0 925 0
ABBOTT LABS COM 002824100   79,801 725 SH   DFND 5 0 725 0
ABBOTT LABS COM 002824100   8,255 75 SH   DFND 6 0 75 0
ABBOTT LABS COM 002824100   198,126 1,800 SH   DFND 1 0 1,800 0
ADVANCED MICRO DEVICES COM 007903107   2,011,115 13,643 SH   SOLE   13,643 0 0
ADVANCED MICRO DEVICES COM 007903107   1,957,310 13,278 SH   DFND 7 0 13,278 0
ADVANCED MICRO DEVICES COM 007903107   51,593 350 SH   DFND 01,06 0 350 0
ADVANCED MICRO DEVICES COM 007903107   105,398 715 SH   DFND 5 0 715 0
ADVANCED MICRO DEVICES COM 007903107   2,211 15 SH   DFND 6 0 15 0
ADVANCED MICRO DEVICES COM 007903107   221,115 1,500 SH   DFND 1 0 1,500 0
ALPHABET INC CL A COM 02079K305   2,087,946 14,947 SH   SOLE   14,947 0 0
ALPHABET INC CL A COM 02079K305   2,092,277 14,978 SH   DFND 7 0 14,978 0
ALPHABET INC CL A COM 02079K305   111,752 800 SH   DFND 01,06 0 800 0
ALPHABET INC CL A COM 02079K305   109,657 785 SH   DFND 5 0 785 0
ALPHABET INC CL A COM 02079K305   11,175 80 SH   DFND 6 0 80 0
ALPHABET INC CL A COM 02079K305   209,535 1,500 SH   DFND 1 0 1,500 0
ALPHABET INC CL C COM 02079K107   221,965 1,575 SH   SOLE   1,575 0 0
ALPHABET INC CL C COM 02079K107   126,837 900 SH   DFND 1 0 900 0
AMAZON.COM COM 023135106   1,631,836 10,740 SH   SOLE   10,740 0 0
AMAZON.COM COM 023135106   1,534,138 10,097 SH   DFND 7 0 10,097 0
AMAZON.COM COM 023135106   87,365 575 SH   DFND 01,06 0 575 0
AMAZON.COM COM 023135106   49,380 325 SH   DFND 5 0 325 0
AMAZON.COM COM 023135106   9,116 60 SH   DFND 6 0 60 0
AMAZON.COM COM 023135106   212,716 1,400 SH   DFND 1 0 1,400 0
ANALOG DEVICES COM 032654105   2,112,083 10,637 SH   SOLE   10,637 0 0
ANALOG DEVICES COM 032654105   2,026,900 10,208 SH   DFND 7 0 10,208 0
ANALOG DEVICES COM 032654105   105,237 530 SH   DFND 01,06 0 530 0
ANALOG DEVICES COM 032654105   90,345 455 SH   DFND 5 0 455 0
ANALOG DEVICES COM 032654105   6,950 35 SH   DFND 6 0 35 0
ANALOG DEVICES COM 032654105   218,416 1,100 SH   DFND 1 0 1,100 0
APPLE COM 037833100   2,558,724 13,290 SH   SOLE   13,290 0 0
APPLE COM 037833100   2,583,753 13,420 SH   DFND 7 0 13,420 0
APPLE COM 037833100   125,144 650 SH   DFND 01,06 0 650 0
APPLE COM 037833100   116,481 605 SH   DFND 5 0 605 0
APPLE COM 037833100   8,664 45 SH   DFND 6 0 45 0
APPLE COM 037833100   481,325 2,500 SH   DFND 1 0 2,500 0
APTARGROUP COM 038336103   1,413,842 11,437 SH   SOLE   11,437 0 0
APTARGROUP COM 038336103   1,037,419 8,392 SH   DFND 7 0 8,392 0
APTARGROUP COM 038336103   86,534 700 SH   DFND 01,06 0 700 0
APTARGROUP COM 038336103   61,810 500 SH   DFND 5 0 500 0
APTARGROUP COM 038336103   7,417 60 SH   DFND 6 0 60 0
APTARGROUP COM 038336103   148,344 1,200 SH   DFND 1 0 1,200 0
APTIV PLC COM G6095L109   96,359 1,074 SH   SOLE   1,074 0 0
APTIV PLC COM G6095L109   123,724 1,379 SH   DFND 7 0 1,379 0
AUTOMATIC DATA PROCESSING COM 053015103   1,964,869 8,434 SH   SOLE   8,434 0 0
AUTOMATIC DATA PROCESSING COM 053015103   1,749,139 7,508 SH   DFND 7 0 7,508 0
AUTOMATIC DATA PROCESSING COM 053015103   104,836 450 SH   DFND 01,06 0 450 0
AUTOMATIC DATA PROCESSING COM 053015103   74,550 320 SH   DFND 5 0 320 0
AUTOMATIC DATA PROCESSING COM 053015103   9,319 40 SH   DFND 6 0 40 0
AUTOMATIC DATA PROCESSING COM 053015103   232,970 1,000 SH   DFND 1 0 1,000 0
BECTON DICKINSON COM 075887109   1,078,216 4,422 SH   SOLE   4,422 0 0
BECTON DICKINSON COM 075887109   809,272 3,319 SH   DFND 7 0 3,319 0
BECTON DICKINSON COM 075887109   37,794 155 SH   DFND 01,06 0 155 0
BECTON DICKINSON COM 075887109   56,081 230 SH   DFND 5 0 230 0
BECTON DICKINSON COM 075887109   6,096 25 SH   DFND 6 0 25 0
BECTON DICKINSON COM 075887109   97,532 400 SH   DFND 1 0 400 0
BERKSHIRE HATHAWAY CL B COM 084670702   642,345 1,801 SH   SOLE   1,801 0 0
CANADIAN NATL RAILWAY COM 136375102   1,969,753 15,679 SH   SOLE   15,679 0 0
CANADIAN NATL RAILWAY COM 136375102   1,502,158 11,957 SH   DFND 7 0 11,957 0
CANADIAN NATL RAILWAY COM 136375102   104,901 835 SH   DFND 01,06 0 835 0
CANADIAN NATL RAILWAY COM 136375102   87,941 700 SH   DFND 5 0 700 0
CANADIAN NATL RAILWAY COM 136375102   10,050 80 SH   DFND 6 0 80 0
CANADIAN NATL RAILWAY COM 136375102   213,571 1,700 SH   DFND 1 0 1,700 0
CHEVRON COM 166764100   112,168 752 SH   SOLE   752 0 0
CHEVRON COM 166764100   48,477 325 SH   DFND 01,06 0 325 0
CHEVRON COM 166764100   232,690 1,560 SH   DFND 7 0 1,560 0
CHEVRON COM 166764100   77,563 520 SH   DFND 5 0 520 0
CHEVRON COM 166764100   8,204 55 SH   DFND 6 0 55 0
CHEVRON COM 166764100   268,488 1,800 SH   DFND 1 0 1,800 0
CVS HEALTH COM 126650100   308,102 3,902 SH   SOLE   3,902 0 0
CVS HEALTH COM 126650100   17,766 225 SH   DFND 7 0 225 0
CVS HEALTH COM 126650100   19,345 245 SH   DFND 5 0 245 0
DANAHER CORP COM 235851102   1,822,959 7,880 SH   SOLE   7,880 0 0
DANAHER CORP COM 235851102   1,534,941 6,635 SH   DFND 7 0 6,635 0
DANAHER CORP COM 235851102   92,536 400 SH   DFND 01,06 0 400 0
DANAHER CORP COM 235851102   75,185 325 SH   DFND 5 0 325 0
DANAHER CORP COM 235851102   6,940 30 SH   DFND 6 0 30 0
DANAHER CORP COM 235851102   231,340 1,000 SH   DFND 1 0 1,000 0
EXXON MOBIL COM 30231G102   167,466 1,675 SH   SOLE   1,675 0 0
EXXON MOBIL COM 30231G102   74,985 750 SH   DFND 01,06 0 750 0
FISERV COM 337738108   1,823,362 13,726 SH   SOLE   13,726 0 0
FISERV COM 337738108   1,501,225 11,301 SH   DFND 7 0 11,301 0
FISERV COM 337738108   99,630 750 SH   DFND 01,06 0 750 0
FISERV COM 337738108   61,771 465 SH   DFND 5 0 465 0
FISERV COM 337738108   8,635 65 SH   DFND 6 0 65 0
FISERV COM 337738108   172,692 1,300 SH   DFND 1 0 1,300 0
HOME DEPOT COM 437076102   1,578,535 4,555 SH   SOLE   4,555 0 0
HOME DEPOT COM 437076102   1,562,247 4,508 SH   DFND 7 0 4,508 0
HOME DEPOT COM 437076102   103,965 300 SH   DFND 01,06 0 300 0
HOME DEPOT COM 437076102   71,043 205 SH   DFND 5 0 205 0
HOME DEPOT COM 437076102   5,198 15 SH   DFND 6 0 15 0
HOME DEPOT COM 437076102   173,275 500 SH   DFND 1 0 500 0
HONEYWELL INTL COM 438516106   400,546 1,910 SH   SOLE   1,910 0 0
HONEYWELL INTL COM 438516106   65,010 310 SH   DFND 7 0 310 0
ILLINOIS TOOL WORKS COM 452308109   206,933 790 SH   SOLE   790 0 0
ISHARES RUSSELL 3000 COM 464287689   575,401 2,102 SH   SOLE   2,102 0 0
JOHNSON & JOHNSON COM 478160104   1,869,281 11,926 SH   SOLE   11,926 0 0
JOHNSON & JOHNSON COM 478160104   1,432,917 9,142 SH   DFND 7 0 9,142 0
JOHNSON & JOHNSON COM 478160104   97,962 625 SH   DFND 01,06 0 625 0
JOHNSON & JOHNSON COM 478160104   73,668 470 SH   DFND 5 0 470 0
JOHNSON & JOHNSON COM 478160104   6,270 40 SH   DFND 6 0 40 0
JOHNSON & JOHNSON COM 478160104   195,925 1,250 SH   DFND 1 0 1,250 0
JPMORGAN CHASE COM 46625H100   163,806 963 SH   SOLE   963 0 0
JPMORGAN CHASE COM 46625H100   457,569 2,690 SH   DFND 7 0 2,690 0
MARSH & MCLENNAN COM 571748102   236,837 1,250 SH   DFND 7 0 1,250 0
MASTERCARD COM 57636Q104   2,224,250 5,215 SH   SOLE   5,215 0 0
MASTERCARD COM 57636Q104   1,989,669 4,665 SH   DFND 7 0 4,665 0
MASTERCARD COM 57636Q104   119,423 280 SH   DFND 01,06 0 280 0
MASTERCARD COM 57636Q104   93,832 220 SH   DFND 5 0 220 0
MASTERCARD COM 57636Q104   10,663 25 SH   DFND 6 0 25 0
MASTERCARD COM 57636Q104   149,278 350 SH   DFND 1 0 350 0
MEDTRONIC COM G5960L103   801,887 9,734 SH   SOLE   9,734 0 0
MEDTRONIC COM G5960L103   333,227 4,045 SH   DFND 7 0 4,045 0
MEDTRONIC COM G5960L103   43,249 525 SH   DFND 01,06 0 525 0
MEDTRONIC COM G5960L103   47,368 575 SH   DFND 5 0 575 0
MEDTRONIC COM G5960L103   4,531 55 SH   DFND 6 0 55 0
MEDTRONIC COM G5960L103   49,428 600 SH   DFND 1 0 600 0
MERCK COM 58933Y105   182,063 1,670 SH   SOLE   1,670 0 0
MERCK COM 58933Y105   212,589 1,950 SH   DFND 7 0 1,950 0
MICROSOFT COM 594918104   2,550,303 6,782 SH   SOLE   6,782 0 0
MICROSOFT COM 594918104   2,231,797 5,935 SH   DFND 7 0 5,935 0
MICROSOFT COM 594918104   127,854 340 SH   DFND 01,06 0 340 0
MICROSOFT COM 594918104   125,973 335 SH   DFND 5 0 335 0
MICROSOFT COM 594918104   7,521 20 SH   DFND 6 0 20 0
MICROSOFT COM 594918104   368,143 979 SH   DFND 1 0 979 0
NESTLE SA ADR COM 641069406   1,730,889 14,940 SH   SOLE   14,940 0 0
NESTLE SA ADR COM 641069406   1,222,628 10,553 SH   DFND 7 0 10,553 0
NESTLE SA ADR COM 641069406   105,429 910 SH   DFND 01,06 0 910 0
NESTLE SA ADR COM 641069406   73,569 635 SH   DFND 5 0 635 0
NESTLE SA ADR COM 641069406   9,848 85 SH   DFND 6 0 85 0
NESTLE SA ADR COM 641069406   185,370 1,600 SH   DFND 1 0 1,600 0
NIKE INC CLASS B COM 654106103   938,262 8,642 SH   SOLE   8,642 0 0
NIKE INC CLASS B COM 654106103   682,037 6,282 SH   DFND 7 0 6,282 0
NIKE INC CLASS B COM 654106103   46,142 425 SH   DFND 01,06 0 425 0
NIKE INC CLASS B COM 654106103   42,885 395 SH   DFND 5 0 395 0
NIKE INC CLASS B COM 654106103   5,971 55 SH   DFND 6 0 55 0
NIKE INC CLASS B COM 654106103   59,713 550 SH   DFND 1 0 550 0
NOVARTIS AG ADR COM 66987V109   812,001 8,042 SH   SOLE   8,042 0 0
NOVARTIS AG ADR COM 66987V109   979,813 9,704 SH   DFND 7 0 9,704 0
NOVARTIS AG ADR COM 66987V109   58,058 575 SH   DFND 01,06 0 575 0
NOVARTIS AG ADR COM 66987V109   7,573 75 SH   DFND 6 0 75 0
NOVARTIS AG ADR COM 66987V109   75,727 750 SH   DFND 1 0 750 0
NVIDIA CORP COM 67066G104   1,827,857 3,691 SH   SOLE   3,691 0 0
NVIDIA CORP COM 67066G104   2,158,169 4,358 SH   DFND 7 0 4,358 0
NVIDIA CORP COM 67066G104   74,283 150 SH   DFND 01,06 0 150 0
NVIDIA CORP COM 67066G104   126,281 255 SH   DFND 5 0 255 0
NVIDIA CORP COM 67066G104   9,904 20 SH   DFND 6 0 20 0
NVIDIA CORP COM 67066G104   420,937 850 SH   DFND 1 0 850 0
PEPSICO COM 713448108   356,664 2,100 SH   SOLE   2,100 0 0
PROCTER & GAMBLE COM 742718109   1,937,112 13,219 SH   SOLE   13,219 0 0
PROCTER & GAMBLE COM 742718109   1,393,595 9,510 SH   DFND 7 0 9,510 0
PROCTER & GAMBLE COM 742718109   106,974 730 SH   DFND 01,06 0 730 0
PROCTER & GAMBLE COM 742718109   74,735 510 SH   DFND 5 0 510 0
PROCTER & GAMBLE COM 742718109   9,525 65 SH   DFND 6 0 65 0
PROCTER & GAMBLE COM 742718109   190,502 1,300 SH   DFND 1 0 1,300 0
ROCKWELL AUTOMATION COM 773903109   1,781,845 5,739 SH   SOLE   5,739 0 0
ROCKWELL AUTOMATION COM 773903109   1,370,769 4,415 SH   DFND 7 0 4,415 0
ROCKWELL AUTOMATION COM 773903109   93,144 300 SH   DFND 01,06 0 300 0
ROCKWELL AUTOMATION COM 773903109   85,382 275 SH   DFND 5 0 275 0
ROCKWELL AUTOMATION COM 773903109   7,762 25 SH   DFND 6 0 25 0
ROCKWELL AUTOMATION COM 773903109   248,384 800 SH   DFND 1 0 800 0
RTX CORPORATION COM 75513E101   949,604 11,286 SH   SOLE   11,286 0 0
RTX CORPORATION COM 75513E101   1,142,200 13,575 SH   DFND 7 0 13,575 0
RTX CORPORATION COM 75513E101   71,519 850 SH   DFND 01,06 0 850 0
RTX CORPORATION COM 75513E101   69,415 825 SH   DFND 5 0 825 0
RTX CORPORATION COM 75513E101   6,731 80 SH   DFND 6 0 80 0
RTX CORPORATION COM 75513E101   151,452 1,800 SH   DFND 1 0 1,800 0
SCHNEIDER ELEC SA ADR COM 80687P106   675,950 16,831 SH   SOLE   16,831 0 0
SCHNEIDER ELEC SA ADR COM 80687P106   545,989 13,595 SH   DFND 7 0 13,595 0
SCHNEIDER ELEC SA ADR COM 80687P106   44,177 1,100 SH   DFND 01,06 0 1,100 0
SCHNEIDER ELEC SA ADR COM 80687P106   18,072 450 SH   DFND 5 0 450 0
SCHNEIDER ELEC SA ADR COM 80687P106   2,008 50 SH   DFND 6 0 50 0
SCHNEIDER ELEC SA ADR COM 80687P106   96,386 2,400 SH   DFND 1 0 2,400 0
THERMO FISHER SCIENTIFIC COM 883556102   11,147 21 SH   SOLE   21 0 0
THERMO FISHER SCIENTIFIC COM 883556102   21,232 40 SH   DFND 7 0 40 0
THERMO FISHER SCIENTIFIC COM 883556102   212,316 400 SH   DFND 1 0 400 0
TJX COS COM 872540109   1,586,327 16,910 SH   SOLE   16,910 0 0
TJX COS COM 872540109   1,279,568 13,640 SH   DFND 7 0 13,640 0
TJX COS COM 872540109   65,667 700 SH   DFND 01,06 0 700 0
TJX COS COM 872540109   56,286 600 SH   DFND 5 0 600 0
TJX COS COM 872540109   7,974 85 SH   DFND 6 0 85 0
TJX COS COM 872540109   159,477 1,700 SH   DFND 1 0 1,700 0
UNION PACIFIC COM 907818108   310,709 1,265 SH   SOLE   1,265 0 0
UNION PACIFIC COM 907818108   85,967 350 SH   DFND 01,06 0 350 0
UNITED HEALTH GROUP COM 91324P102   1,534,660 2,915 SH   SOLE   2,915 0 0
UNITED HEALTH GROUP COM 91324P102   1,596,257 3,032 SH   DFND 7 0 3,032 0
UNITED HEALTH GROUP COM 91324P102   76,338 145 SH   DFND 01,06 0 145 0
UNITED HEALTH GROUP COM 91324P102   65,809 125 SH   DFND 5 0 125 0
UNITED HEALTH GROUP COM 91324P102   8,950 17 SH   DFND 6 0 17 0
UNITED HEALTH GROUP COM 91324P102   236,911 450 SH   DFND 1 0 450 0
VANGUARD DIVIDEND APPRECIATION COM 921908844   1,061,762 6,231 SH   SOLE   6,231 0 0
VISA COM 92826C839   71,336 274 SH   SOLE   274 0 0
VISA COM 92826C839   36,449 140 SH   DFND 7 0 140 0
VISA COM 92826C839   130,175 500 SH   DFND 1 0 500 0
WASTE MANAGEMENT INC COM 94106L109   199,696 1,115 SH   SOLE   1,115 0 0
WASTE MANAGEMENT INC COM 94106L109   608,940 3,400 SH   DFND 7 0 3,400 0
XYLEM INC COM 98419M100   1,275,800 11,156 SH   SOLE   11,156 0 0
XYLEM INC COM 98419M100   1,017,461 8,897 SH   DFND 7 0 8,897 0
XYLEM INC COM 98419M100   30,877 270 SH   DFND 01,06 0 270 0
XYLEM INC COM 98419M100   54,321 475 SH   DFND 5 0 475 0
XYLEM INC COM 98419M100   5,718 50 SH   DFND 6 0 50 0
XYLEM INC COM 98419M100   171,540 1,500 SH   DFND 1 0 1,500 0
AB TRUST AB DISCOVERY VALUE FU Equity Mutual Fu 018914408   547,759 24,674 SH   SOLE   24,674 0 0
AMG RIVER ROAD SMALL-MID CAP V Equity Mutual Fu 00171A878   215,236 22,144 SH   SOLE   22,144 0 0
AMG RIVER ROAD SMALL-MID CAP V Equity Mutual Fu 00171A878   1,751,529 180,198 SH   DFND 7 0 180,198 0
ARTISAN INTERNATIONAL SMALLMID Equity Mutual Fu 04314H576   695,297 39,483 SH   SOLE   39,483 0 0
GQG PARTNERS EMERGING MARKETS Equity Mutual Fu 00771X419   208,697 13,150 SH   SOLE   13,150 0 0
GQG PARTNERS EMERGING MARKETS Equity Mutual Fu 00771X419   1,294,301 81,556 SH   DFND 7 0 81,556 0
OAKMARK INTL FD Equity Mutual Fu 413838202   1,176,209 43,790 SH   DFND 7 0 43,790 0
T ROWE PRICE INST LARGE-CAP GR Equity Mutual Fu 45775L408   1,740,433 26,458 SH   SOLE   26,458 0 0
VANGUARD DIVIDEND GROWTH Equity Mutual Fu 921908604   2,690,572 72,308 SH   SOLE   72,308 0 0
VANGUARD DIVIDEND GROWTH Equity Mutual Fu 921908604   185,688 4,990 SH   DFND 1 0 4,990 0
VANGUARD PACIFIC STOCK INDEX F Equity Mutual Fu 922042700   241,265 2,701 SH   SOLE   2,701 0 0
VANGUARD SMALL CAP INDEX FD AD Equity Mutual Fu 922908686   353,253 3,418 SH   SOLE   3,418 0 0
VANGUARD STAR FD Equity Mutual Fu 921909107   1,515,308 56,436 SH   SOLE   56,436 0 0
VANGUARD TOTAL STOCK MARKET IN Equity Mutual Fu 922908728   403,477 3,479 SH   SOLE   3,479 0 0
WCM FOCUSED INTERNATIONAL GROW Equity Mutual Fu 461418444   816,682 35,882 SH   SOLE   35,882 0 0