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   773,154 7,983 SH   SOLE   7,983 0 0
ABBOTT LABS COMMON 002824100   304,884 3,148 SH   DFND   3,148 0 0
ABBVIE INC COMMON 00287Y109   1,193,076 8,004 SH   SOLE   8,004 0 0
ABBVIE INC COMMON 00287Y109   525,287 3,524 SH   DFND   3,524 0 0
ADOBE INC COMMON 00724F101   216,198 424 SH   SOLE   424 0 0
ALLIANT ENERGY CORP COMMON 018802108   239,343 4,940 SH   SOLE   4,940 0 0
ALPHABET INC CL A COMMON 02079K305   1,825,497 13,950 SH   SOLE   13,950 0 0
ALPHABET INC CL A COMMON 02079K305   26,172 200 SH   DFND   200 0 0
ALPHABET INC CL C COMMON 02079K107   820,107 6,220 SH   SOLE   6,220 0 0
ALPHABET INC CL C COMMON 02079K107   26,370 200 SH   DFND   200 0 0
ALTRIA GROUP INC COMMON 02209S103   587,607 13,974 SH   SOLE   13,974 0 0
ALTRIA GROUP INC COMMON 02209S103   156,552 3,723 SH   DFND   3,723 0 0
AMAZON.COM INC COMMON 023135106   856,153 6,735 SH   SOLE   6,735 0 0
AMERICAN EXPRESS CO COMMON 025816109   679,262 4,553 SH   SOLE   4,553 0 0
AMERICAN EXPRESS CO COMMON 025816109   96,974 650 SH   DFND   650 0 0
AMERIPRISE FINANCIAL INC. COMMON 03076C106   247,919 752 SH   SOLE   752 0 0
APPLE INC COMMON 037833100   7,615,763 44,482 SH   SOLE   44,482 0 0
APPLE INC COMMON 037833100   788,422 4,605 SH   DFND   4,605 0 0
APPLIED MATERIALS INC COMMON 038222105   498,835 3,603 SH   SOLE   3,603 0 0
APPLIED MATERIALS INC COMMON 038222105   42,920 310 SH   DFND   310 0 0
AT&T INC COMMON 00206R102   233,561 15,550 SH   SOLE   15,550 0 0
AT&T INC COMMON 00206R102   166,602 11,092 SH   DFND   11,092 0 0
AUTOMATIC DATA PROCESSING INC COMMON 053015103   829,760 3,449 SH   SOLE   3,449 0 0
AUTOMATIC DATA PROCESSING INC COMMON 053015103   116,681 485 SH   DFND   485 0 0
BANK OF AMERICA CORP COMMON 060505104   925,471 33,801 SH   SOLE   33,801 0 0
BANK OF AMERICA CORP COMMON 060505104   49,941 1,824 SH   DFND   1,824 0 0
BERKSHIRE HATHAWAY INC CLASS A COMMON 084670108   531,477 1 SH   SOLE   1 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON 084670702   454,339 1,297 SH   SOLE   1,297 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON 084670702   117,701 336 SH   DFND   336 0 0
BLACKROCK INC CL A COMMON 09247X101   445,432 689 SH   SOLE   689 0 0
BLACKROCK INC CL A COMMON 09247X101   58,184 90 SH   DFND   90 0 0
BOEING CO COMMON 097023105   457,540 2,387 SH   SOLE   2,387 0 0
BOEING CO COMMON 097023105   109,449 571 SH   DFND   571 0 0
BRISTOL MYERS SQUIBB CO COMMON 110122108   285,325 4,916 SH   SOLE   4,916 0 0
BRISTOL MYERS SQUIBB CO COMMON 110122108   37,842 652 SH   DFND   652 0 0
BURKE & HERBERT FINL SVCS CORP COMMON 12135Y108   10,270,624 221,040 SH   SOLE   221,040 0 0
BURKE & HERBERT FINL SVCS CORP COMMON 12135Y108   947,886 20,400 SH   DFND   20,400 0 0
CATERPILLAR INC COMMON 149123101   503,958 1,846 SH   SOLE   1,846 0 0
CHARLES SCHWAB CORP COMMON 808513105   290,970 5,300 SH   SOLE   5,300 0 0
CHEVRON CORPORATION COMMON 166764100   1,302,927 7,727 SH   SOLE   7,727 0 0
CHEVRON CORPORATION COMMON 166764100   761,825 4,518 SH   DFND   4,518 0 0
CISCO SYSTEMS INC COMMON 17275R102   885,535 16,472 SH   SOLE   16,472 0 0
CISCO SYSTEMS INC COMMON 17275R102   59,136 1,100 SH   DFND   1,100 0 0
CITIGROUP INC COMMON 172967424   208,118 5,060 SH   SOLE   5,060 0 0
CITIGROUP INC COMMON 172967424   74,034 1,800 SH   DFND   1,800 0 0
COCA COLA CO COMMON 191216100   2,400,143 42,875 SH   SOLE   42,875 0 0
COCA COLA CO COMMON 191216100   137,991 2,465 SH   DFND   2,465 0 0
COLGATE PALMOLIVE CO COMMON 194162103   391,105 5,500 SH   SOLE   5,500 0 0
COMCAST CORP-CL A COMMON 20030N101   717,200 16,175 SH   SOLE   16,175 0 0
COMCAST CORP-CL A COMMON 20030N101   77,063 1,738 SH   DFND   1,738 0 0
CONOCOPHILLIPS COMMON 20825C104   790,081 6,595 SH   SOLE   6,595 0 0
CORTEVA INC COMMON 22052L104   155,066 3,031 SH   SOLE   3,031 0 0
CORTEVA INC COMMON 22052L104   47,476 928 SH   DFND   928 0 0
COSTCO WHOLESALE CORP COMMON 22160K105   873,428 1,546 SH   SOLE   1,546 0 0
COSTCO WHOLESALE CORP COMMON 22160K105   98,868 175 SH   DFND   175 0 0
CUMMINS INC COMMON 231021106   339,035 1,484 SH   SOLE   1,484 0 0
CVS HEALTH CORP COMMON 126650100   334,508 4,791 SH   SOLE   4,791 0 0
DEERE & CO COMMON 244199105   684,190 1,813 SH   SOLE   1,813 0 0
DEERE & CO COMMON 244199105   18,869 50 SH   DFND   50 0 0
DISNEY WALT CO NEW COMMON 254687106   403,629 4,980 SH   SOLE   4,980 0 0
DISNEY WALT CO NEW COMMON 254687106   63,138 779 SH   DFND   779 0 0
DOMINION ENERGY INC COMMON 25746U109   648,742 14,523 SH   SOLE   14,523 0 0
DOMINION ENERGY INC COMMON 25746U109   93,450 2,092 SH   DFND   2,092 0 0
DOW INC COMMON 260557103   246,663 4,784 SH   SOLE   4,784 0 0
DOW INC COMMON 260557103   66,358 1,287 SH   DFND   1,287 0 0
DUKE ENERGY CORP COMMON 26441C204   424,266 4,807 SH   SOLE   4,807 0 0
DUKE ENERGY CORP COMMON 26441C204   18,799 213 SH   DFND   213 0 0
DUPONT DE NEMOURS INC COMMON 26614N102   278,370 3,732 SH   SOLE   3,732 0 0
DUPONT DE NEMOURS INC COMMON 26614N102   65,341 876 SH   DFND   876 0 0
ELEVANCE HEALTH INC COMMON 036752103   452,837 1,040 SH   SOLE   1,040 0 0
EXXON MOBIL CORP COMMON 30231G102   2,995,115 25,473 SH   SOLE   25,473 0 0
EXXON MOBIL CORP COMMON 30231G102   1,274,097 10,836 SH   DFND   10,836 0 0
FEDEX CORPORATION COMMON 31428X106   207,432 783 SH   SOLE   783 0 0
FORD MOTOR CO DEL COMMON 345370860   183,183 14,749 SH   SOLE   14,749 0 0
GENERAL ELECTRIC CO COMMON 369604301   397,980 3,600 SH   SOLE   3,600 0 0
GENERAL ELECTRIC CO COMMON 369604301   230,055 2,081 SH   DFND   2,081 0 0
GENERAL MLS INC COMMON 370334104   111,663 1,745 SH   SOLE   1,745 0 0
GENERAL MLS INC COMMON 370334104   102,384 1,600 SH   DFND   1,600 0 0
GOLDMAN SACHS GROUP INC COMMON 38141G104   707,971 2,188 SH   SOLE   2,188 0 0
HEWLETT PACKARD ENTERPRISE COM COMMON 42824C109   220,408 12,689 SH   SOLE   12,689 0 0
HEWLETT PACKARD ENTERPRISE COM COMMON 42824C109   152,648 8,788 SH   DFND   8,788 0 0
HOME DEPOT INC COMMON 437076102   1,673,664 5,539 SH   SOLE   5,539 0 0
HOME DEPOT INC COMMON 437076102   139,296 461 SH   DFND   461 0 0
HONEYWELL INTERNATIONAL INC COMMON 438516106   483,834 2,619 SH   SOLE   2,619 0 0
HONEYWELL INTERNATIONAL INC COMMON 438516106   102,161 553 SH   DFND   553 0 0
HP INC COMMON 40434L105   360,160 14,014 SH   SOLE   14,014 0 0
HP INC COMMON 40434L105   218,810 8,514 SH   DFND   8,514 0 0
ILLINOIS TOOL WKS INC COMMON 452308109   243,207 1,056 SH   SOLE   1,056 0 0
INTEL CORP COMMON 458140100   531,330 14,946 SH   SOLE   14,946 0 0
INTEL CORP COMMON 458140100   159,548 4,488 SH   DFND   4,488 0 0
INTL. BUSINESS MACHINES CORP COMMON 459200101   281,582 2,007 SH   SOLE   2,007 0 0
INTL. BUSINESS MACHINES CORP COMMON 459200101   106,207 757 SH   DFND   757 0 0
INTUIT INC COMMON 461202103   460,868 902 SH   SOLE   902 0 0
JOHNSON & JOHNSON COMMON 478160104   2,853,496 18,321 SH   SOLE   18,321 0 0
JOHNSON & JOHNSON COMMON 478160104   714,581 4,588 SH   DFND   4,588 0 0
JP MORGAN CHASE & CO COMMON 46625H100   618,365 4,264 SH   SOLE   4,264 0 0
JP MORGAN CHASE & CO COMMON 46625H100   310,633 2,142 SH   DFND   2,142 0 0
KIMBERLY CLARK CORP COMMON 494368103   286,535 2,371 SH   SOLE   2,371 0 0
KIMBERLY CLARK CORP COMMON 494368103   94,626 783 SH   DFND   783 0 0
LOCKHEED MARTIN CORP COMMON 539830109   254,373 622 SH   SOLE   622 0 0
LOWES COS INC COMMON 548661107   1,333,086 6,414 SH   SOLE   6,414 0 0
MARRIOTT INTERNATIONAL INC COMMON 571903202   312,530 1,590 SH   SOLE   1,590 0 0
MARRIOTT INTERNATIONAL INC COMMON 571903202   138,968 707 SH   DFND   707 0 0
MCDONALDS CORP COMMON 580135101   856,180 3,250 SH   SOLE   3,250 0 0
MCDONALDS CORP COMMON 580135101   130,930 497 SH   DFND   497 0 0
MCKESSON CORP COMMON 58155Q103   209,598 482 SH   SOLE   482 0 0
MCKESSON CORP COMMON 58155Q103   39,137 90 SH   DFND   90 0 0
MERCK & CO INC COMMON 58933Y105   1,079,019 10,481 SH   SOLE   10,481 0 0
MERCK & CO INC COMMON 58933Y105   729,916 7,090 SH   DFND   7,090 0 0
META PLATFORMS INC CL A COMMON 30303M102   1,059,741 3,530 SH   SOLE   3,530 0 0
MICROSOFT CORP COMMON 594918104   7,036,805 22,286 SH   SOLE   22,286 0 0
MICROSOFT CORP COMMON 594918104   372,585 1,180 SH   DFND   1,180 0 0
MONDELEZ INTERNATIONAL INC COMMON 609207105   643,893 9,278 SH   SOLE   9,278 0 0
MONDELEZ INTERNATIONAL INC COMMON 609207105   141,784 2,043 SH   DFND   2,043 0 0
MORGAN STANLEY COMMON 617446448   523,423 6,409 SH   SOLE   6,409 0 0
NEXTERA ENERGY INC COMMON 65339F101   655,111 11,435 SH   SOLE   11,435 0 0
NEXTERA ENERGY INC COMMON 65339F101   86,393 1,508 SH   DFND   1,508 0 0
NORFOLK SOUTHERN CORP COMMON 655844108   1,162,281 5,902 SH   SOLE   5,902 0 0
NORFOLK SOUTHERN CORP COMMON 655844108   695,163 3,530 SH   DFND   3,530 0 0
NORTHROP GRUMMAN CORPORATION COMMON 666807102   389,128 884 SH   SOLE   884 0 0
OMNICOM GROUP COMMON 681919106   19,514 262 SH   SOLE   262 0 0
OMNICOM GROUP COMMON 681919106   281,907 3,785 SH   DFND   3,785 0 0
ORACLE CORPORATION COMMON 68389X105   573,451 5,414 SH   SOLE   5,414 0 0
ORACLE CORPORATION COMMON 68389X105   21,184 200 SH   DFND   200 0 0
PAYCHEX INC COMMON 704326107   475,160 4,120 SH   SOLE   4,120 0 0
PENSKE AUTOMOTIVE GROUP INC COMMON 70959W103   668,240 4,000 SH   DFND   4,000 0 0
PEPSICO INC COMMON 713448108   1,376,022 8,121 SH   SOLE   8,121 0 0
PEPSICO INC COMMON 713448108   721,814 4,260 SH   DFND   4,260 0 0
PFIZER INC COMMON 717081103   1,186,391 35,767 SH   SOLE   35,767 0 0
PFIZER INC COMMON 717081103   500,668 15,094 SH   DFND   15,094 0 0
PHILIP MORRIS INTERNATIONAL COMMON 718172109   1,080,223 11,668 SH   SOLE   11,668 0 0
PHILIP MORRIS INTERNATIONAL COMMON 718172109   331,251 3,578 SH   DFND   3,578 0 0
PROCTER & GAMBLE CO COMMON 742718109   797,125 5,465 SH   SOLE   5,465 0 0
PROCTER & GAMBLE CO COMMON 742718109   381,424 2,615 SH   DFND   2,615 0 0
QUALCOMM INC COMMON 747525103   287,756 2,591 SH   SOLE   2,591 0 0
QUALCOMM INC COMMON 747525103   28,765 259 SH   DFND   259 0 0
RTX CORPORATION COMMON 75513E105   102,629 1,426 SH   SOLE   1,426 0 0
RTX CORPORATION COMMON 75513E105   114,000 1,584 SH   DFND   1,584 0 0
SHERWIN WILLIAMS CO COMMON 824348106   913,079 3,580 SH   DFND   3,580 0 0
SOUTHERN COMPANY COMMON 842587107   467,796 7,228 SH   SOLE   7,228 0 0
SOUTHERN COMPANY COMMON 842587107   34,302 530 SH   DFND   530 0 0
TEXAS INSTRUMENTS INC COMMON 882508104   173,798 1,093 SH   SOLE   1,093 0 0
TEXAS INSTRUMENTS INC COMMON 882508104   32,915 207 SH   DFND   207 0 0
THE CIGNA GROUP COMMON 125523100   1,426,059 4,985 SH   SOLE   4,985 0 0
THE CIGNA GROUP COMMON 125523100   32,040 112 SH   DFND   112 0 0
TRAVELERS COMPANIES INC COMMON 89417E113   53,729 329 SH   SOLE   329 0 0
TRAVELERS COMPANIES INC COMMON 89417E113   201,361 1,233 SH   DFND   1,233 0 0
UBER TECHNOLOGIES INC COMMON 90353T100   814,023 17,700 SH   SOLE   17,700 0 0
UNION PAC CORP COMMON 907818108   267,366 1,313 SH   SOLE   1,313 0 0
UNITEDHEALTH GROUP INC COMMON 91324P102   167,391 332 SH   SOLE   332 0 0
UNITEDHEALTH GROUP INC COMMON 91324P102   302,514 600 SH   DFND   600 0 0
VALERO ENERGY CORP COMMON 91913Y100   466,934 3,295 SH   SOLE   3,295 0 0
VERIZON COMMUNICATIONS COMMON 92343V104   489,229 15,095 SH   SOLE   15,095 0 0
VERIZON COMMUNICATIONS COMMON 92343V104   254,969 7,867 SH   DFND   7,867 0 0
VISA INC CL A COMMON 92826C839   203,789 886 SH   SOLE   886 0 0
WALMART INC COMMON 931142103   1,779,861 11,129 SH   SOLE   11,129 0 0
WALMART INC COMMON 931142103   398,705 2,493 SH   DFND   2,493 0 0
WASTE MANAGEMENT INC COMMON 94106L109   479,729 3,147 SH   SOLE   3,147 0 0
WELLS FARGO & CO COMMON 949746101   242,668 5,939 SH   SOLE   5,939 0 0
WELLS FARGO & CO COMMON 949746101   88,135 2,157 SH   DFND   2,157 0 0
YUM! BRANDS INC COMMON 988498101   370,197 2,963 SH   SOLE   2,963 0 0
YUM! BRANDS INC COMMON 988498101   84,085 673 SH   DFND   673 0 0
3M CO COMMON 88579Y101   223,471 2,387 SH   SOLE   2,387 0 0
3M CO COMMON 88579Y101   144,549 1,544 SH   DFND   1,544 0 0
FEDERAL REALTY INVESTMENT TRUS COMMON 313745101   664,771 7,335 SH   SOLE   0 0 0
ACCENTURE PLC CL A COMMON G1151C101   459,744 1,497 SH   SOLE   1,497 0 0
LYONDELLBASELL INDUSTRIES NV COMMON N53745100   486,285 5,135 SH   SOLE   5,135 0 0
MANULIFE FINANCIAL CORP COMMON 56501R106   62,591 3,424 SH   SOLE   3,424 0 0
MANULIFE FINANCIAL CORP COMMON 56501R106   294,052 16,086 SH   DFND   16,086 0 0
METHANEX CORP COMMON 59151K108   315,350 7,000 SH   SOLE   7,000 0 0
ISHARES CORE MSCI EAFE ETF OTHER 46432F842   361,197 5,613 SH   SOLE   0 0 0
ISHARES DJ US TOTAL MARKET ETF OTHER 464287846   357,008 3,417 SH   SOLE   0 0 0
ISHARES MSCI EAFE ETF OTHER 464287465   1,040,692 15,100 SH   SOLE   0 0 0
ISHARES MSCI EAFE ETF OTHER 464287465   22,606 328 SH   DFND   0 0 0
ISHARES MSCI EMERGING MKT ETF OTHER 464287234   404,016 10,646 SH   SOLE   0 0 0
ISHARES S&P MIDCAP 400/VALUE E OTHER 464287705   340,336 3,372 SH   SOLE   0 0 0
ISHARES S&P MIDCAP 400/VALUE E OTHER 464287705   16,149 160 SH   DFND   0 0 0
ISHARES S&P SMALLCAP 600 OTHER 464287804   1,642,002 17,407 SH   SOLE   0 0 0
ISHARES S&P SMALLCAP 600 OTHER 464287804   124,893 1,324 SH   DFND   0 0 0
ISHARES S&P 400 MIDCAP INDEX F OTHER 464287507   1,889,824 7,579 SH   SOLE   0 0 0
ISHARES S&P 400 MIDCAP INDEX F OTHER 464287507   132,904 533 SH   DFND   0 0 0
ISHARES S&P 500 INDEX FUND OTHER 464287200   1,677,783 3,907 SH   SOLE   0 0 0
SPDR PORTFOLIO S&P 500 GROWTH OTHER 78464A409   2,046,168 34,517 SH   SOLE   0 0 0
SPDR PORTFOLIO S&P 500 GROWTH OTHER 78464A409   5,039 85 SH   DFND   0 0 0
SPDR S&P 500 ETF TRUST OTHER 78462F103   7,365,053 17,229 SH   SOLE   0 0 0
SPDR S&P 500 ETF TRUST OTHER 78462F103   73,954 173 SH   DFND   0 0 0
VANGUARD HIGH DVD YIELD ETF OTHER 921946406   2,541,775 24,601 SH   SOLE   0 0 0
VANGUARD HIGH DVD YIELD ETF OTHER 921946406   17,564 170 SH   DFND   0 0 0
VANGUARD S&P 500 ETF OTHER 922908363   455,532 1,160 SH   SOLE   0 0 0
SPDR BLOOMBERG HIGH YIELD BOND OTHER 78468R622   70,693 782 SH   SOLE   0 0 0
SPDR BLOOMBERG HIGH YIELD BOND OTHER 78468R622   146,358 1,619 SH   DFND   0 0 0