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 COMMON 002824100   760,361 7,509 SH   SOLE   7,509 0 0
ABBOTT LABS COMMON 002824100   445,341 4,398 SH   DFND   4,398 0 0
ABBVIE INC COMMON 00287Y109   1,192,247 7,481 SH   SOLE   7,481 0 0
ABBVIE INC COMMON 00287Y109   760,832 4,774 SH   DFND   4,774 0 0
ADOBE INC COMMON 00724F101   240,086 623 SH   SOLE   623 0 0
AIR PRODUCTS & CHEMICALS INC COMMON 009158106   234,651 817 SH   SOLE   817 0 0
AIR PRODUCTS & CHEMICALS INC COMMON 009158106   28,721 100 SH   DFND   100 0 0
ALPHABET INC CL A COMMON 02079K305   1,537,279 14,820 SH   SOLE   14,820 0 0
ALPHABET INC CL A COMMON 02079K305   72,611 700 SH   DFND   700 0 0
ALPHABET INC CL C COMMON 02079K107   732,160 7,040 SH   SOLE   7,040 0 0
ALPHABET INC CL C COMMON 02079K107   72,800 700 SH   DFND   700 0 0
ALTRIA GROUP INC COMMON 02209S103   718,382 16,100 SH   SOLE   16,100 0 0
ALTRIA GROUP INC COMMON 02209S103   175,714 3,938 SH   DFND   3,938 0 0
AMAZON.COM INC COMMON 023135106   918,248 8,890 SH   SOLE   8,890 0 0
AMERICAN ELEC PWR INC COMMON 025537101   149,133 1,639 SH   SOLE   1,639 0 0
AMERICAN ELEC PWR INC COMMON 025537101   54,594 600 SH   DFND   600 0 0
AMERICAN EXPRESS CO COMMON 025816109   812,709 4,927 SH   SOLE   4,927 0 0
AMERICAN EXPRESS CO COMMON 025816109   107,218 650 SH   DFND   650 0 0
AMERIPRISE FINANCIAL INC. COMMON 03076C106   230,488 752 SH   SOLE   752 0 0
ANALOG DEVICES INC COMMON 032654105   666,998 3,382 SH   SOLE   3,382 0 0
APPLE INC COMMON 037833100   8,644,718 52,424 SH   SOLE   52,424 0 0
APPLE INC COMMON 037833100   759,365 4,605 SH   DFND   4,605 0 0
APPLIED MATERIALS INC COMMON 038222105   983,254 8,005 SH   SOLE   8,005 0 0
APPLIED MATERIALS INC COMMON 038222105   38,077 310 SH   DFND   310 0 0
AT&T INC COMMON 00206R102   376,915 19,580 SH   SOLE   19,580 0 0
AT&T INC COMMON 00206R102   228,113 11,850 SH   DFND   11,850 0 0
AUTOMATIC DATA PROCESSING INC COMMON 053015103   634,273 2,849 SH   SOLE   2,849 0 0
AUTOMATIC DATA PROCESSING INC COMMON 053015103   249,346 1,120 SH   DFND   1,120 0 0
BANK OF AMERICA CORP COMMON 060505104   900,242 31,477 SH   SOLE   31,477 0 0
BANK OF AMERICA CORP COMMON 060505104   361,046 12,624 SH   DFND   12,624 0 0
BERKSHIRE HATHAWAY INC CLASS A COMMON 084670108   465,600 1 SH   SOLE   1 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON 084670702   471,183 1,526 SH   SOLE   1,526 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON 084670702   103,747 336 SH   DFND   336 0 0
BLACKROCK INC CL A COMMON 09247X101   594,179 888 SH   SOLE   888 0 0
BLACKROCK INC CL A COMMON 09247X101   60,221 90 SH   DFND   90 0 0
BOEING CO COMMON 097023105   1,000,545 4,710 SH   SOLE   4,710 0 0
BOEING CO COMMON 097023105   121,298 571 SH   DFND   571 0 0
BRISTOL MYERS SQUIBB CO COMMON 110122108   371,987 5,367 SH   SOLE   5,367 0 0
BRISTOL MYERS SQUIBB CO COMMON 110122108   52,121 752 SH   DFND   752 0 0
CAPITAL ONE FINANCIAL CORP COMMON 14040H105   217,129 2,258 SH   SOLE   2,258 0 0
CATERPILLAR INC COMMON 149123101   970,282 4,240 SH   SOLE   4,240 0 0
CHARLES SCHWAB CORP COMMON 808513105   277,614 5,300 SH   SOLE   5,300 0 0
CHEVRON CORPORATION COMMON 166764100   1,690,338 10,360 SH   SOLE   10,360 0 0
CHEVRON CORPORATION COMMON 166764100   739,604 4,533 SH   DFND   4,533 0 0
CISCO SYSTEMS INC COMMON 17275R102   1,258,677 24,078 SH   SOLE   24,078 0 0
CISCO SYSTEMS INC COMMON 17275R102   57,503 1,100 SH   DFND   1,100 0 0
CITIGROUP INC COMMON 172967424   252,503 5,385 SH   SOLE   5,385 0 0
CITIGROUP INC COMMON 172967424   84,402 1,800 SH   DFND   1,800 0 0
COCA COLA CO COMMON 191216100   2,230,103 35,952 SH   SOLE   35,952 0 0
COCA COLA CO COMMON 191216100   664,341 10,710 SH   DFND   10,710 0 0
COLGATE PALMOLIVE CO COMMON 194162103   422,343 5,620 SH   SOLE   5,620 0 0
COMCAST CORP-CL A COMMON 20030N101   687,915 18,146 SH   SOLE   18,146 0 0
COMCAST CORP-CL A COMMON 20030N101   65,888 1,738 SH   DFND   1,738 0 0
CONOCOPHILLIPS COMMON 20825C104   982,179 9,900 SH   SOLE   9,900 0 0
CORNING INC COMMON 219350105   376,261 10,665 SH   SOLE   10,665 0 0
CORNING INC COMMON 219350105   17,640 500 SH   DFND   500 0 0
CORTEVA INC COMMON 22052L104   184,368 3,057 SH   SOLE   3,057 0 0
CORTEVA INC COMMON 22052L104   55,968 928 SH   DFND   928 0 0
COSTCO WHOLESALE CORP COMMON 22160K105   773,130 1,556 SH   SOLE   1,556 0 0
COSTCO WHOLESALE CORP COMMON 22160K105   86,952 175 SH   DFND   175 0 0
CSX CORP COMMON 126408103   461,016 15,398 SH   SOLE   15,398 0 0
CUMMINS INC COMMON 231021106   754,144 3,157 SH   SOLE   3,157 0 0
CVS HEALTH CORP COMMON 126650100   425,871 5,731 SH   SOLE   5,731 0 0
DEERE & CO COMMON 244199105   2,030,544 4,918 SH   SOLE   4,918 0 0
DEERE & CO COMMON 244199105   20,644 50 SH   DFND   50 0 0
DISNEY WALT CO NEW COMMON 254687106   854,109 8,530 SH   SOLE   8,530 0 0
DISNEY WALT CO NEW COMMON 254687106   80,304 802 SH   DFND   802 0 0
DOMINION ENERGY INC COMMON 25746U109   1,003,752 17,953 SH   SOLE   17,953 0 0
DOMINION ENERGY INC COMMON 25746U109   116,964 2,092 SH   DFND   2,092 0 0
DOW INC COMMON 260557103   345,256 6,298 SH   SOLE   6,298 0 0
DOW INC COMMON 260557103   70,553 1,287 SH   DFND   1,287 0 0
DUKE ENERGY CORP COMMON 26441C204   977,434 10,132 SH   SOLE   10,132 0 0
DUKE ENERGY CORP COMMON 26441C204   20,548 213 SH   DFND   213 0 0
DUPONT DE NEMOURS INC COMMON 26614N102   367,893 5,126 SH   SOLE   5,126 0 0
DUPONT DE NEMOURS INC COMMON 26614N102   62,871 876 SH   DFND   876 0 0
ELEVANCE HEALTH INC COMMON 036752103   478,202 1,040 SH   SOLE   1,040 0 0
EMERSON ELEC CO COMMON 291011104   351,348 4,032 SH   SOLE   4,032 0 0
EMERSON ELEC CO COMMON 291011104   13,942 160 SH   DFND   160 0 0
EXXON MOBIL CORP COMMON 30231G102   2,429,517 22,155 SH   SOLE   22,155 0 0
EXXON MOBIL CORP COMMON 30231G102   1,998,334 18,223 SH   DFND   18,223 0 0
FEDEX CORPORATION COMMON 31428X106   257,508 1,127 SH   SOLE   1,127 0 0
FORD MOTOR CO DEL COMMON 345370860   267,624 21,240 SH   SOLE   21,240 0 0
FREEPORT-MCMORAN INC COMMON 35671D857   200,459 4,900 SH   DFND   4,900 0 0
GENERAL DYNAMICS CORP COMMON 369550108   171,158 750 SH   SOLE   750 0 0
GENERAL DYNAMICS CORP COMMON 369550108   64,583 283 SH   DFND   283 0 0
GENERAL ELECTRIC CO COMMON 369604301   265,099 2,773 SH   SOLE   2,773 0 0
GENERAL ELECTRIC CO COMMON 369604301   286,896 3,001 SH   DFND   3,001 0 0
GENERAL MLS INC COMMON 370334104   149,128 1,745 SH   SOLE   1,745 0 0
GENERAL MLS INC COMMON 370334104   136,736 1,600 SH   DFND   1,600 0 0
GOLDMAN SACHS GROUP INC COMMON 38141G104   930,301 2,844 SH   SOLE   2,844 0 0
HEWLETT PACKARD ENTERPRISE COM COMMON 42824C109   278,600 17,489 SH   SOLE   17,489 0 0
HEWLETT PACKARD ENTERPRISE COM COMMON 42824C109   141,522 8,884 SH   DFND   8,884 0 0
HOME DEPOT INC COMMON 437076102   1,577,712 5,346 SH   SOLE   5,346 0 0
HOME DEPOT INC COMMON 437076102   431,170 1,461 SH   DFND   1,461 0 0
HONEYWELL INTERNATIONAL INC COMMON 438516106   503,410 2,634 SH   SOLE   2,634 0 0
HONEYWELL INTERNATIONAL INC COMMON 438516106   105,689 553 SH   DFND   553 0 0
HP INC COMMON 40434L105   521,520 17,769 SH   SOLE   17,769 0 0
HP INC COMMON 40434L105   252,087 8,589 SH   DFND   8,589 0 0
ILLINOIS TOOL WKS INC COMMON 452308109   341,073 1,401 SH   SOLE   1,401 0 0
INTEL CORP COMMON 458140100   706,031 21,611 SH   SOLE   21,611 0 0
INTEL CORP COMMON 458140100   146,623 4,488 SH   DFND   4,488 0 0
INTL. BUSINESS MACHINES CORP COMMON 459200101   884,464 6,747 SH   SOLE   6,747 0 0
INTL. BUSINESS MACHINES CORP COMMON 459200101   146,821 1,120 SH   DFND   1,120 0 0
INTUIT INC COMMON 461202103   406,597 912 SH   SOLE   912 0 0
JOHNSON & JOHNSON COMMON 478160104   4,842,355 31,241 SH   SOLE   31,241 0 0
JOHNSON & JOHNSON COMMON 478160104   715,945 4,619 SH   DFND   4,619 0 0
JP MORGAN CHASE & CO COMMON 46625H100   765,702 5,876 SH   SOLE   5,876 0 0
JP MORGAN CHASE & CO COMMON 46625H100   279,124 2,142 SH   DFND   2,142 0 0
KIMBERLY CLARK CORP COMMON 494368103   311,793 2,323 SH   SOLE   2,323 0 0
KIMBERLY CLARK CORP COMMON 494368103   171,936 1,281 SH   DFND   1,281 0 0
LAS VEGAS SANDS CORP COMMON 517834107   252,033 4,387 SH   SOLE   4,387 0 0
LOCKHEED MARTIN CORP COMMON 539830109   294,038 622 SH   SOLE   622 0 0
LOWES COS INC COMMON 548661107   1,413,388 7,068 SH   SOLE   7,068 0 0
MARATHON PETROLEUM CORP COMMON 56585A102   296,491 2,199 SH   SOLE   2,199 0 0
MARRIOTT INTERNATIONAL INC COMMON 571903202   294,721 1,775 SH   SOLE   1,775 0 0
MARRIOTT INTERNATIONAL INC COMMON 571903202   117,390 707 SH   DFND   707 0 0
MCDONALDS CORP COMMON 580135101   1,051,054 3,759 SH   SOLE   3,759 0 0
MCDONALDS CORP COMMON 580135101   138,966 497 SH   DFND   497 0 0
MCKESSON CORP COMMON 58155Q103   171,616 482 SH   SOLE   482 0 0
MCKESSON CORP COMMON 58155Q103   32,045 90 SH   DFND   90 0 0
MERCK & CO INC COMMON 58933Y105   1,207,420 11,349 SH   SOLE   11,349 0 0
MERCK & CO INC COMMON 58933Y105   754,305 7,090 SH   DFND   7,090 0 0
META PLATFORMS INC CL A COMMON 30303M102   835,256 3,941 SH   SOLE   3,941 0 0
MICROCHIP TECHNOLOGY INC COMMON 595017104   224,866 2,684 SH   SOLE   2,684 0 0
MICROCHIP TECHNOLOGY INC COMMON 595017104   33,512 400 SH   DFND   400 0 0
MICROSOFT CORP COMMON 594918104   7,483,980 25,959 SH   SOLE   25,959 0 0
MICROSOFT CORP COMMON 594918104   513,174 1,780 SH   DFND   1,780 0 0
MONDELEZ INTERNATIONAL INC COMMON 609207105   699,710 10,036 SH   SOLE   10,036 0 0
MONDELEZ INTERNATIONAL INC COMMON 609207105   142,438 2,043 SH   DFND   2,043 0 0
MORGAN STANLEY COMMON 617446448   682,118 7,769 SH   SOLE   7,769 0 0
NEXTERA ENERGY INC COMMON 65339F101   886,497 11,501 SH   SOLE   11,501 0 0
NEXTERA ENERGY INC COMMON 65339F101   147,069 1,908 SH   DFND   1,908 0 0
NIKE INC-CLASS B COMMON 654106103   371,109 3,026 SH   SOLE   3,026 0 0
NIKE INC-CLASS B COMMON 654106103   55,188 450 SH   DFND   450 0 0
NORFOLK SOUTHERN CORP COMMON 655844108   1,532,548 7,229 SH   SOLE   7,229 0 0
NORFOLK SOUTHERN CORP COMMON 655844108   748,360 3,530 SH   DFND   3,530 0 0
NORTHROP GRUMMAN CORPORATION COMMON 666807102   412,778 894 SH   SOLE   894 0 0
NUCOR CORP COMMON 670346105   221,356 1,433 SH   SOLE   1,433 0 0
OMNICOM GROUP COMMON 681919106   47,642 505 SH   SOLE   505 0 0
OMNICOM GROUP COMMON 681919106   357,077 3,785 SH   DFND   3,785 0 0
ORACLE CORPORATION COMMON 68389X105   706,657 7,605 SH   SOLE   7,605 0 0
ORACLE CORPORATION COMMON 68389X105   65,044 700 SH   DFND   700 0 0
PAYCHEX INC COMMON 704326107   533,073 4,652 SH   SOLE   4,652 0 0
PENSKE AUTOMOTIVE GROUP INC COMMON 70959W103   567,240 4,000 SH   DFND   4,000 0 0
PEPSICO INC COMMON 713448108   1,441,811 7,909 SH   SOLE   7,909 0 0
PEPSICO INC COMMON 713448108   990,071 5,431 SH   DFND   5,431 0 0
PFIZER INC COMMON 717081103   1,444,320 35,400 SH   SOLE   35,400 0 0
PFIZER INC COMMON 717081103   703,270 17,237 SH   DFND   17,237 0 0
PHILIP MORRIS INTERNATIONAL COMMON 718172109   1,528,381 15,716 SH   SOLE   15,716 0 0
PHILIP MORRIS INTERNATIONAL COMMON 718172109   349,808 3,597 SH   DFND   3,597 0 0
PHILLIPS 66 COMMON 718546104   242,704 2,394 SH   SOLE   2,394 0 0
PROCTER & GAMBLE CO COMMON 742718109   1,043,952 7,021 SH   SOLE   7,021 0 0
PROCTER & GAMBLE CO COMMON 742718109   451,423 3,036 SH   DFND   3,036 0 0
QUALCOMM INC COMMON 747525103   1,226,809 9,616 SH   SOLE   9,616 0 0
QUALCOMM INC COMMON 747525103   33,043 259 SH   DFND   259 0 0
RAYTHEON TECHNOLOGIES CORP COMMON 75513E105   139,648 1,426 SH   SOLE   1,426 0 0
RAYTHEON TECHNOLOGIES CORP COMMON 75513E105   155,121 1,584 SH   DFND   1,584 0 0
SHERWIN WILLIAMS CO COMMON 824348106   804,677 3,580 SH   DFND   3,580 0 0
SOUTHERN COMPANY COMMON 842587107   607,573 8,732 SH   SOLE   8,732 0 0
SOUTHERN COMPANY COMMON 842587107   36,877 530 SH   DFND   530 0 0
TARGET CORP COMMON 87612E110   340,370 2,055 SH   SOLE   2,055 0 0
TARGET CORP COMMON 87612E110   166,955 1,008 SH   DFND   1,008 0 0
TEXAS INSTRUMENTS INC COMMON 882508104   486,788 2,617 SH   SOLE   2,617 0 0
TEXAS INSTRUMENTS INC COMMON 882508104   38,504 207 SH   DFND   207 0 0
THE CIGNA GROUP COMMON 125523100   156,129 611 SH   SOLE   611 0 0
THE CIGNA GROUP COMMON 125523100   1,160,617 4,542 SH   DFND   4,542 0 0
TRAVELERS COMPANIES INC COMMON 89417E113   7,542 44 SH   SOLE   44 0 0
TRAVELERS COMPANIES INC COMMON 89417E113   260,200 1,518 SH   DFND   1,518 0 0
TRUIST FINANCIAL CORP COMMON 89832Q109   201,599 5,912 SH   SOLE   5,912 0 0
TRUIST FINANCIAL CORP COMMON 89832Q109   128,046 3,755 SH   DFND   3,755 0 0
UBER TECHNOLOGIES INC COMMON 90353T100   561,090 17,700 SH   SOLE   17,700 0 0
UNION PAC CORP COMMON 907818108   318,595 1,583 SH   SOLE   1,583 0 0
UNITEDHEALTH GROUP INC COMMON 91324P102   162,098 343 SH   SOLE   343 0 0
UNITEDHEALTH GROUP INC COMMON 91324P102   283,554 600 SH   DFND   600 0 0
VALERO ENERGY CORP COMMON 91913Y100   655,701 4,697 SH   SOLE   4,697 0 0
VERIZON COMMUNICATIONS COMMON 92343V104   758,861 19,513 SH   SOLE   19,513 0 0
VERIZON COMMUNICATIONS COMMON 92343V104   317,498 8,164 SH   DFND   8,164 0 0
WALMART INC COMMON 931142103   1,759,963 11,936 SH   SOLE   11,936 0 0
WALMART INC COMMON 931142103   373,491 2,533 SH   DFND   2,533 0 0
WASTE MANAGEMENT INC COMMON 94106L109   781,747 4,791 SH   SOLE   4,791 0 0
WELLS FARGO & CO COMMON 949746101   281,845 7,540 SH   SOLE   7,540 0 0
WELLS FARGO & CO COMMON 949746101   146,791 3,927 SH   DFND   3,927 0 0
YUM CHINA HOLDINGS INC COMMON 98850P109   146,051 2,304 SH   SOLE   2,304 0 0
YUM CHINA HOLDINGS INC COMMON 98850P109   156,763 2,473 SH   DFND   2,473 0 0
YUM! BRANDS INC COMMON 988498101   484,337 3,667 SH   SOLE   3,667 0 0
YUM! BRANDS INC COMMON 988498101   326,634 2,473 SH   DFND   2,473 0 0
3M CO COMMON 88579Y101   283,271 2,695 SH   SOLE   2,695 0 0
3M CO COMMON 88579Y101   164,182 1,562 SH   DFND   1,562 0 0
FEDERAL REALTY INVESTMENT TRUS COMMON 313745101   724,918 7,335 SH   SOLE   0 0 0
PUBLIC STORAGE INC REIT COMMON 74460D109   421,183 1,394 SH   SOLE   0 0 0
ACCENTURE PLC CL A COMMON G1151C101   492,165 1,722 SH   SOLE   1,722 0 0
LYONDELLBASELL INDUSTRIES NV COMMON N53745100   482,125 5,135 SH   SOLE   5,135 0 0
MANULIFE FINANCIAL CORP COMMON 56501R106   62,865 3,424 SH   SOLE   3,424 0 0
MANULIFE FINANCIAL CORP COMMON 56501R106   295,339 16,086 SH   DFND   16,086 0 0
METHANEX CORP COMMON 59151K108   325,710 7,000 SH   SOLE   7,000 0 0
ISHARES CORE MSCI EAFE ETF OTHER 46432F842   368,811 5,517 SH   SOLE   0 0 0
ISHARES DJ US TOTAL MARKET ETF OTHER 464287846   351,246 3,510 SH   SOLE   0 0 0
ISHARES MSCI EAFE ETF OTHER 464287465   1,152,116 16,109 SH   SOLE   0 0 0
ISHARES MSCI EAFE ETF OTHER 464287465   23,459 328 SH   DFND   0 0 0
ISHARES MSCI EMERGING MKT ETF OTHER 464287234   421,433 10,680 SH   SOLE   0 0 0
ISHARES S&P MIDCAP 400/VALUE E OTHER 464287705   425,365 4,139 SH   SOLE   0 0 0
ISHARES S&P MIDCAP 400/VALUE E OTHER 464287705   16,443 160 SH   DFND   0 0 0
ISHARES S&P SMALLCAP 600 OTHER 464287804   1,691,573 17,493 SH   SOLE   0 0 0
ISHARES S&P SMALLCAP 600 OTHER 464287804   128,031 1,324 SH   DFND   0 0 0
ISHARES S&P 400 MIDCAP INDEX F OTHER 464287507   1,905,219 7,616 SH   SOLE   0 0 0
ISHARES S&P 400 MIDCAP INDEX F OTHER 464287507   133,335 533 SH   DFND   0 0 0
ISHARES S&P 500 INDEX FUND OTHER 464287200   1,600,334 3,893 SH   SOLE   0 0 0
SPDR PORTFOLIO S&P 500 GROWTH OTHER 78464A409   1,715,274 30,984 SH   SOLE   0 0 0
SPDR PORTFOLIO S&P 500 GROWTH OTHER 78464A409   4,706 85 SH   DFND   0 0 0
SPDR S&P 500 ETF TRUST OTHER 78462F103   7,196,667 17,579 SH   SOLE   0 0 0
SPDR S&P 500 ETF TRUST OTHER 78462F103   70,824 173 SH   DFND   0 0 0
VANGUARD HIGH DVD YIELD ETF OTHER 921946406   2,137,430 20,260 SH   SOLE   0 0 0
VANGUARD HIGH DVD YIELD ETF OTHER 921946406   65,938 625 SH   DFND   0 0 0
VANGUARD S&P 500 ETF OTHER 922908363   458,805 1,220 SH   SOLE   0 0 0
ISHARES CORE U.S. AGGREGATE OTHER 464287226   229,969 2,308 SH   SOLE   0 0 0
SPDR BLOOMBERG HIGH YIELD BOND OTHER 78468R622   72,585 782 SH   SOLE   0 0 0
SPDR BLOOMBERG HIGH YIELD BOND OTHER 78468R622   150,276 1,619 SH   DFND   0 0 0