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
ABBOTT LABS COMMON 002824100 741 7,659 SH   SOLE   7,659 0 0
ABBOTT LABS COMMON 002824100 434 4,487 SH   DFND   4,487 0 0
ABBVIE INC COMMON 00287Y109 1,039 7,743 SH   SOLE   7,743 0 0
ABBVIE INC COMMON 00287Y109 660 4,920 SH   DFND   4,920 0 0
AIR PRODUCTS & CHEMICALS INC COMMON 009158106 193 831 SH   SOLE   831 0 0
AIR PRODUCTS & CHEMICALS INC COMMON 009158106 23 100 SH   DFND   100 0 0
ALPHABET INC CL A COMMON 02079K305 1,418 14,820 SH   SOLE   14,820 0 0
ALPHABET INC CL A COMMON 02079K305 67 700 SH   DFND   700 0 0
ALPHABET INC CL C COMMON 02079K107 677 7,040 SH   SOLE   7,040 0 0
ALPHABET INC CL C COMMON 02079K107 67 700 SH   DFND   700 0 0
ALTRIA GROUP INC COMMON 02209S103 644 15,950 SH   SOLE   15,950 0 0
ALTRIA GROUP INC COMMON 02209S103 189 4,688 SH   DFND   4,688 0 0
AMAZON.COM INC COMMON 023135106 1,049 9,280 SH   SOLE   9,280 0 0
AMERICAN EXPRESS CO COMMON 025816109 668 4,952 SH   SOLE   4,952 0 0
AMERICAN EXPRESS CO COMMON 025816109 88 650 SH   DFND   650 0 0
ANALOG DEVICES INC COMMON 032654105 471 3,382 SH   SOLE   3,382 0 0
APPLE INC COMMON 037833100 7,449 53,899 SH   SOLE   53,899 0 0
APPLE INC COMMON 037833100 652 4,720 SH   DFND   4,720 0 0
APPLIED MATERIALS INC COMMON 038222105 656 8,005 SH   SOLE   8,005 0 0
APPLIED MATERIALS INC COMMON 038222105 25 310 SH   DFND   310 0 0
AT&T INC COMMON 00206R102 299 19,521 SH   SOLE   19,521 0 0
AT&T INC COMMON 00206R102 188 12,242 SH   DFND   12,242 0 0
AUTOMATIC DATA PROCESSING INC COMMON 053015103 647 2,859 SH   SOLE   2,859 0 0
AUTOMATIC DATA PROCESSING INC COMMON 053015103 253 1,120 SH   DFND   1,120 0 0
BANK OF AMERICA CORP COMMON 060505104 955 31,620 SH   SOLE   31,620 0 0
BANK OF AMERICA CORP COMMON 060505104 381 12,624 SH   DFND   12,624 0 0
BAXTER INTL INC COMMON 071813109 132 2,456 SH   SOLE   2,456 0 0
BAXTER INTL INC COMMON 071813109 73 1,350 SH   DFND   1,350 0 0
BERKSHIRE HATHAWAY INC CLASS A COMMON 084670108 406 1 SH   SOLE   1 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON 084670702 407 1,526 SH   SOLE   1,526 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON 084670702 92 343 SH   DFND   343 0 0
BLACKROCK INC CL A COMMON 09247X101 489 888 SH   SOLE   888 0 0
BLACKROCK INC CL A COMMON 09247X101 50 90 SH   DFND   90 0 0
BOEING CO COMMON 097023105 563 4,650 SH   SOLE   4,650 0 0
BOEING CO COMMON 097023105 105 871 SH   DFND   871 0 0
BRISTOL MYERS SQUIBB CO COMMON 110122108 352 4,948 SH   SOLE   4,948 0 0
BRISTOL MYERS SQUIBB CO COMMON 110122108 102 1,432 SH   DFND   1,432 0 0
CAPITAL ONE FINANCIAL CORP COMMON 14040H105 208 2,258 SH   SOLE   2,258 0 0
CATERPILLAR INC COMMON 149123101 713 4,348 SH   SOLE   4,348 0 0
CHARLES SCHWAB CORP COMMON 808513105 381 5,300 SH   SOLE   5,300 0 0
CHEVRON CORPORATION COMMON 166764100 1,504 10,465 SH   SOLE   10,465 0 0
CHEVRON CORPORATION COMMON 166764100 658 4,578 SH   DFND   4,578 0 0
CIGNA CORP COMMON 125523100 179 645 SH   SOLE   645 0 0
CIGNA CORP COMMON 125523100 1,316 4,742 SH   DFND   4,742 0 0
CISCO SYSTEMS INC COMMON 17275R102 985 24,629 SH   SOLE   24,629 0 0
CISCO SYSTEMS INC COMMON 17275R102 44 1,100 SH   DFND   1,100 0 0
CITIGROUP INC COMMON 172967424 227 5,450 SH   SOLE   5,450 0 0
CITIGROUP INC COMMON 172967424 83 2,000 SH   DFND   2,000 0 0
COCA COLA CO COMMON 191216100 1,921 34,297 SH   SOLE   34,297 0 0
COCA COLA CO COMMON 191216100 782 13,954 SH   DFND   13,954 0 0
COLGATE PALMOLIVE CO COMMON 194162103 395 5,620 SH   SOLE   5,620 0 0
COMCAST CORP-CL A COMMON 20030N101 537 18,317 SH   SOLE   18,317 0 0
COMCAST CORP-CL A COMMON 20030N101 51 1,738 SH   DFND   1,738 0 0
CONOCOPHILLIPS COMMON 20825C104 1,013 9,900 SH   SOLE   9,900 0 0
CORNING INC COMMON 219350105 309 10,665 SH   SOLE   10,665 0 0
CORNING INC COMMON 219350105 15 500 SH   DFND   500 0 0
CORTEVA INC COMMON 22052L104 175 3,057 SH   SOLE   3,057 0 0
CORTEVA INC COMMON 22052L104 53 928 SH   DFND   928 0 0
COSTCO WHOLESALE CORP COMMON 22160K105 775 1,641 SH   SOLE   1,641 0 0
COSTCO WHOLESALE CORP COMMON 22160K105 87 185 SH   DFND   185 0 0
CSX CORP COMMON 126408103 410 15,398 SH   SOLE   15,398 0 0
CUMMINS INC COMMON 231021106 642 3,157 SH   SOLE   3,157 0 0
CVS HEALTH CORP COMMON 126650100 547 5,731 SH   SOLE   5,731 0 0
DEERE & CO COMMON 244199105 1,652 4,948 SH   SOLE   4,948 0 0
DEERE & CO COMMON 244199105 17 50 SH   DFND   50 0 0
DISNEY WALT CO NEW COMMON 254687106 933 9,892 SH   SOLE   9,892 0 0
DISNEY WALT CO NEW COMMON 254687106 109 1,152 SH   DFND   1,152 0 0
DOMINION ENERGY INC COMMON 25746U109 1,334 19,308 SH   SOLE   19,308 0 0
DOMINION ENERGY INC COMMON 25746U109 147 2,126 SH   DFND   2,126 0 0
DOW INC COMMON 260557103 273 6,212 SH   SOLE   6,212 0 0
DOW INC COMMON 260557103 62 1,415 SH   DFND   1,415 0 0
DUKE ENERGY CORP COMMON 26441C204 977 10,501 SH   SOLE   10,501 0 0
DUKE ENERGY CORP COMMON 26441C204 22 239 SH   DFND   239 0 0
DUPONT DE NEMOURS INC COMMON 26614N102 263 5,217 SH   SOLE   5,217 0 0
DUPONT DE NEMOURS INC COMMON 26614N102 44 876 SH   DFND   876 0 0
ELEVANCE HEALTH INC COMMON 036752103 472 1,040 SH   SOLE   1,040 0 0
EMERSON ELEC CO COMMON 291011104 305 4,171 SH   SOLE   4,171 0 0
EMERSON ELEC CO COMMON 291011104 12 160 SH   DFND   160 0 0
EXXON MOBIL CORP COMMON 30231G102 1,957 22,420 SH   SOLE   22,420 0 0
EXXON MOBIL CORP COMMON 30231G102 1,641 18,793 SH   DFND   18,793 0 0
FORD MOTOR CO DEL COMMON 345370860 238 21,240 SH   SOLE   21,240 0 0
GENERAL DYNAMICS CORP COMMON 369550108 159 750 SH   SOLE   750 0 0
GENERAL DYNAMICS CORP COMMON 369550108 60 283 SH   DFND   283 0 0
GENERAL ELECTRIC CO COMMON 369604301 172 2,773 SH   SOLE   2,773 0 0
GENERAL ELECTRIC CO COMMON 369604301 186 3,001 SH   DFND   3,001 0 0
GENERAL MLS INC COMMON 370334104 134 1,745 SH   SOLE   1,745 0 0
GENERAL MLS INC COMMON 370334104 123 1,600 SH   DFND   1,600 0 0
GOLDMAN SACHS GROUP INC COMMON 38141G104 833 2,844 SH   SOLE   2,844 0 0
HEWLETT PACKARD ENTERPRISE COM COMMON 42824C109 210 17,489 SH   SOLE   17,489 0 0
HEWLETT PACKARD ENTERPRISE COM COMMON 42824C109 109 9,103 SH   DFND   9,103 0 0
HOME DEPOT INC COMMON 437076102 1,512 5,481 SH   SOLE   5,481 0 0
HOME DEPOT INC COMMON 437076102 469 1,701 SH   DFND   1,701 0 0
HONEYWELL INTERNATIONAL INC COMMON 438516106 446 2,670 SH   SOLE   2,670 0 0
HONEYWELL INTERNATIONAL INC COMMON 438516106 98 589 SH   DFND   589 0 0
HP INC COMMON 40434L105 443 17,769 SH   SOLE   17,769 0 0
HP INC COMMON 40434L105 219 8,802 SH   DFND   8,802 0 0
ILLINOIS TOOL WKS INC COMMON 452308109 257 1,425 SH   SOLE   1,425 0 0
INTEL CORP COMMON 458140100 538 20,882 SH   SOLE   20,882 0 0
INTEL CORP COMMON 458140100 208 8,056 SH   DFND   8,056 0 0
INTL. BUSINESS MACHINES CORP COMMON 459200101 852 7,172 SH   SOLE   7,172 0 0
INTL. BUSINESS MACHINES CORP COMMON 459200101 136 1,141 SH   DFND   1,141 0 0
INTUIT INC COMMON 461202103 353 912 SH   SOLE   912 0 0
JOHNSON & JOHNSON COMMON 478160104 4,808 29,432 SH   SOLE   29,432 0 0
JOHNSON & JOHNSON COMMON 478160104 1,142 6,988 SH   DFND   6,988 0 0
JP MORGAN CHASE & CO COMMON 46625H100 786 7,526 SH   SOLE   7,526 0 0
JP MORGAN CHASE & CO COMMON 46625H100 232 2,216 SH   DFND   2,216 0 0
KIMBERLY CLARK CORP COMMON 494368103 280 2,484 SH   SOLE   2,484 0 0
KIMBERLY CLARK CORP COMMON 494368103 147 1,307 SH   DFND   1,307 0 0
KRAFT HEINZ CO COMMON 500754106 177 5,312 SH   SOLE   5,312 0 0
KRAFT HEINZ CO COMMON 500754106 35 1,054 SH   DFND   1,054 0 0
LOCKHEED MARTIN CORP COMMON 539830109 240 622 SH   SOLE   622 0 0
LOWES COS INC COMMON 548661107 1,327 7,068 SH   SOLE   7,068 0 0
MARATHON PETROLEUM CORP COMMON 56585A102 218 2,199 SH   SOLE   2,199 0 0
MARRIOTT INTERNATIONAL INC COMMON 571903202 249 1,775 SH   SOLE   1,775 0 0
MARRIOTT INTERNATIONAL INC COMMON 571903202 99 707 SH   DFND   707 0 0
MCDONALDS CORP COMMON 580135101 887 3,843 SH   SOLE   3,843 0 0
MCDONALDS CORP COMMON 580135101 115 497 SH   DFND   497 0 0
MERCK & CO INC COMMON 58933Y105 896 10,399 SH   SOLE   10,399 0 0
MERCK & CO INC COMMON 58933Y105 719 8,352 SH   DFND   8,352 0 0
META PLATFORMS INC CL A COMMON 30303M102 548 4,038 SH   SOLE   4,038 0 0
MICROSOFT CORP COMMON 594918104 6,421 27,570 SH   SOLE   27,570 0 0
MICROSOFT CORP COMMON 594918104 419 1,797 SH   DFND   1,797 0 0
MONDELEZ INTERNATIONAL INC COMMON 609207105 545 9,932 SH   SOLE   9,932 0 0
MONDELEZ INTERNATIONAL INC COMMON 609207105 140 2,562 SH   DFND   2,562 0 0
MORGAN STANLEY COMMON 617446448 614 7,769 SH   SOLE   7,769 0 0
NEXTERA ENERGY INC COMMON 65339F101 925 11,795 SH   SOLE   11,795 0 0
NEXTERA ENERGY INC COMMON 65339F101 150 1,908 SH   DFND   1,908 0 0
NIKE INC-CLASS B COMMON 654106103 252 3,026 SH   SOLE   3,026 0 0
NIKE INC-CLASS B COMMON 654106103 37 450 SH   DFND   450 0 0
NORFOLK SOUTHERN CORP COMMON 655844108 1,518 7,240 SH   SOLE   7,240 0 0
NORFOLK SOUTHERN CORP COMMON 655844108 751 3,580 SH   DFND   3,580 0 0
NORTHROP GRUMMAN CORPORATION COMMON 666807102 420 894 SH   SOLE   894 0 0
OMNICOM GROUP COMMON 681919106 32 505 SH   SOLE   505 0 0
OMNICOM GROUP COMMON 681919106 239 3,785 SH   DFND   3,785 0 0
ORACLE CORPORATION COMMON 68389X105 479 7,840 SH   SOLE   7,840 0 0
ORACLE CORPORATION COMMON 68389X105 43 700 SH   DFND   700 0 0
PAYCHEX INC COMMON 704326107 562 5,012 SH   SOLE   5,012 0 0
PAYPAL HOLDINGS INC COMMON 70450Y103 309 3,594 SH   SOLE   3,594 0 0
PENSKE AUTOMOTIVE GROUP INC COMMON 70959W103 394 4,000 SH   DFND   4,000 0 0
PEPSICO INC COMMON 713448108 1,312 8,037 SH   SOLE   8,037 0 0
PEPSICO INC COMMON 713448108 887 5,431 SH   DFND   5,431 0 0
PFIZER INC COMMON 717081103 1,563 35,715 SH   SOLE   35,715 0 0
PFIZER INC COMMON 717081103 754 17,237 SH   DFND   17,237 0 0
PHILIP MORRIS INTERNATIONAL COMMON 718172109 1,292 15,566 SH   SOLE   15,566 0 0
PHILIP MORRIS INTERNATIONAL COMMON 718172109 361 4,347 SH   DFND   4,347 0 0
PROCTER & GAMBLE CO COMMON 742718109 907 7,186 SH   SOLE   7,186 0 0
PROCTER & GAMBLE CO COMMON 742718109 383 3,036 SH   DFND   3,036 0 0
QUALCOMM INC COMMON 747525103 1,064 9,416 SH   SOLE   9,416 0 0
QUALCOMM INC COMMON 747525103 52 459 SH   DFND   459 0 0
RAYTHEON TECHNOLOGIES CORP COMMON 75513E105 117 1,426 SH   SOLE   1,426 0 0
RAYTHEON TECHNOLOGIES CORP COMMON 75513E105 130 1,584 SH   DFND   1,584 0 0
SHERWIN WILLIAMS CO COMMON 824348106 733 3,580 SH   DFND   3,580 0 0
SOUTHERN COMPANY COMMON 842587107 607 8,932 SH   SOLE   8,932 0 0
SOUTHERN COMPANY COMMON 842587107 41 600 SH   DFND   600 0 0
TARGET CORP COMMON 87612E110 277 1,867 SH   SOLE   1,867 0 0
TARGET CORP COMMON 87612E110 177 1,196 SH   DFND   1,196 0 0
TEXAS INSTRUMENTS INC COMMON 882508104 412 2,661 SH   SOLE   2,661 0 0
TEXAS INSTRUMENTS INC COMMON 882508104 32 2,077 SH   DFND   207 0 0
TRAVELERS COMPANIES INC COMMON 89417E113 7 44 SH   SOLE   44 0 0
TRAVELERS COMPANIES INC COMMON 89417E113 233 1,518 SH   DFND   1,518 0 0
TRUIST FINANCIAL CORP COMMON 89832Q109 257 5,912 SH   SOLE   5,912 0 0
TRUIST FINANCIAL CORP COMMON 89832Q109 163 3,755 SH   DFND   3,755 0 0
UBER TECHNOLOGIES INC COMMON 90353T100 469 17,700 SH   SOLE   17,700 0 0
UNION PAC CORP COMMON 907818108 312 1,603 SH   SOLE   1,603 0 0
UNITEDHEALTH GROUP INC COMMON 91324P102 179 355 SH   SOLE   355 0 0
UNITEDHEALTH GROUP INC COMMON 91324P102 303 600 SH   DFND   600 0 0
VALERO ENERGY CORP COMMON 91913Y100 502 4,697 SH   SOLE   4,697 0 0
VERIZON COMMUNICATIONS COMMON 92343V104 749 19,719 SH   SOLE   19,719 0 0
VERIZON COMMUNICATIONS COMMON 92343V104 331 8,720 SH   DFND   8,720 0 0
WALMART INC COMMON 931142103 1,589 12,254 SH   SOLE   12,254 0 0
WALMART INC COMMON 931142103 332 2,557 SH   DFND   2,557 0 0
WASTE MANAGEMENT INC COMMON 94106L109 768 4,791 SH   SOLE   4,791 0 0
WELLS FARGO & CO COMMON 949746101 306 7,612 SH   SOLE   7,612 0 0
WELLS FARGO & CO COMMON 949746101 166 4,127 SH   DFND   4,127 0 0
YUM CHINA HOLDINGS INC COMMON 98850P109 115 2,424 SH   SOLE   2,424 0 0
YUM CHINA HOLDINGS INC COMMON 98850P109 117 2,473 SH   DFND   2,473 0 0
YUM! BRANDS INC COMMON 988498101 396 3,724 SH   SOLE   3,724 0 0
YUM! BRANDS INC COMMON 988498101 263 2,473 SH   DFND   2,473 0 0
3M CO COMMON 88579Y101 290 2,628 SH   SOLE   2,628 0 0
3M CO COMMON 88579Y101 197 1,784 SH   DFND   1,784 0 0
FEDERAL REALTY INVESTMENT TRUS COMMON 313745101 699 7,752 SH   SOLE   0 0 0
PUBLIC STORAGE INC REIT COMMON 74460D109 412 1,407 SH   SOLE   0 0 0
ACCENTURE PLC CL A COMMON G1151C101 443 1,722 SH   SOLE   1,722 0 0
LYONDELLBASELL INDUSTRIES NV COMMON N53745100 387 5,135 SH   SOLE   5,135 0 0
MANULIFE FINANCIAL CORP COMMON 56501R106 52 3,338 SH   SOLE   3,338 0 0
MANULIFE FINANCIAL CORP COMMON 56501R106 253 16,172 SH   DFND   16,172 0 0
MEDTRONIC PLC COMMON G5960L103 187 2,320 SH   SOLE   2,320 0 0
MEDTRONIC PLC COMMON G5960L103 16 200 SH   DFND   200 0 0
METHANEX CORP COMMON 59151K108 223 7,000 SH   SOLE   7,000 0 0
ISHARES CORE MSCI EAFE ETF OTHER 46432F842 280 5,313 SH   SOLE   0 0 0
ISHARES DJ US TOTAL MARKET ETF OTHER 464287846 308 3,510 SH   SOLE   0 0 0
ISHARES MSCI EAFE ETF OTHER 464287465 847 15,126 SH   SOLE   0 0 0
ISHARES MSCI EAFE ETF OTHER 464287465 18 328 SH   DFND   0 0 0
ISHARES MSCI EMERGING MKT ETF OTHER 464287234 316 9,072 SH   SOLE   0 0 0
ISHARES S&P MIDCAP 400/VALUE E OTHER 464287705 375 4,168 SH   SOLE   0 0 0
ISHARES S&P MIDCAP 400/VALUE E OTHER 464287705 14 160 SH   DFND   0 0 0
ISHARES S&P SMALLCAP 600 OTHER 464287804 1,468 16,833 SH   SOLE   0 0 0
ISHARES S&P SMALLCAP 600 OTHER 464287804 115 1,324 SH   DFND   0 0 0
ISHARES S&P 400 MIDCAP INDEX F OTHER 464287507 1,582 7,213 SH   SOLE   0 0 0
ISHARES S&P 400 MIDCAP INDEX F OTHER 464287507 117 533 SH   DFND   0 0 0
ISHARES S&P 500 INDEX FUND OTHER 464287200 1,354 3,774 SH   SOLE   0 0 0
SPDR PORTFOLIO S&P 500 GROWTH OTHER 78464A409 1,005 20,055 SH   SOLE   0 0 0
SPDR PORTFOLIO S&P 500 GROWTH OTHER 78464A409 4 85 SH   DFND   0 0 0
SPDR S&P 500 ETF TRUST OTHER 78462F103 6,162 17,252 SH   SOLE   0 0 0
SPDR S&P 500 ETF TRUST OTHER 78462F103 62 173 SH   DFND   0 0 0
VANGUARD HIGH DVD YIELD ETF OTHER 921946406 2,016 21,252 SH   SOLE   0 0 0
VANGUARD HIGH DVD YIELD ETF OTHER 921946406 59 625 SH   DFND   0 0 0
VANGUARD S&P 500 ETF OTHER 922908363 466 1,420 SH   SOLE   0 0 0
ISHARES CORE U.S. AGGREGATE OTHER 464287226 222 2,308 SH   SOLE   0 0 0
SPDR BLOOMBERG HIGH YIELD BOND OTHER 78468R622 211 2,401 SH   DFND   0 0 0