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   873,477 7,685 SH   SOLE   7,685 0 0
ABBOTT LABS COMMON 002824100   354,278 3,117 SH   DFND   3,117 0 0
ABBVIE INC COMMON 00287Y109   1,457,346 8,003 SH   SOLE   8,003 0 0
ABBVIE INC COMMON 00287Y109   633,526 3,479 SH   DFND   3,479 0 0
ALPHABET INC CL A COMMON 02079K305   1,883,606 12,480 SH   SOLE   12,480 0 0
ALPHABET INC CL A COMMON 02079K305   30,186 200 SH   DFND   200 0 0
ALPHABET INC CL C COMMON 02079K107   665,681 4,372 SH   SOLE   4,372 0 0
ALPHABET INC CL C COMMON 02079K107   30,452 200 SH   DFND   200 0 0
ALTRIA GROUP INC COMMON 02209S103   390,748 8,958 SH   SOLE   8,958 0 0
ALTRIA GROUP INC COMMON 02209S103   161,874 3,711 SH   DFND   3,711 0 0
AMAZON.COM INC COMMON 023135106   763,729 4,234 SH   SOLE   4,234 0 0
AMERICAN EXPRESS CO COMMON 025816109   975,424 4,284 SH   SOLE   4,284 0 0
AMERICAN EXPRESS CO COMMON 025816109   147,999 650 SH   DFND   650 0 0
AMERIPRISE FINANCIAL INC. COMMON 03076C106   329,707 752 SH   SOLE   752 0 0
APPLE INC COMMON 037833100   6,707,612 39,116 SH   SOLE   39,116 0 0
APPLE INC COMMON 037833100   684,205 3,990 SH   DFND   3,990 0 0
APPLIED MATERIALS INC COMMON 038222105   309,964 1,503 SH   SOLE   1,503 0 0
APPLIED MATERIALS INC COMMON 038222105   63,931 310 SH   DFND   310 0 0
AT&T INC COMMON 00206R102   249,357 14,168 SH   SOLE   14,168 0 0
AT&T INC COMMON 00206R102   145,834 8,286 SH   DFND   8,286 0 0
AUTOMATIC DATA PROCESSING INC COMMON 053015103   845,120 3,384 SH   SOLE   3,384 0 0
AUTOMATIC DATA PROCESSING INC COMMON 053015103   121,124 485 SH   DFND   485 0 0
BANK OF AMERICA CORP COMMON 060505104   1,231,149 32,467 SH   SOLE   32,467 0 0
BANK OF AMERICA CORP COMMON 060505104   69,166 1,824 SH   DFND   1,824 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON 084670702   1,058,449 2,517 SH   SOLE   2,517 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON 084670702   141,295 336 SH   DFND   336 0 0
BLACKROCK INC CL A COMMON 09247X101   549,408 659 SH   SOLE   659 0 0
BLACKROCK INC CL A COMMON 09247X101   75,033 90 SH   DFND   90 0 0
BOEING CO COMMON 097023105   370,348 1,919 SH   SOLE   1,919 0 0
BOEING CO COMMON 097023105   15,632 81 SH   DFND   81 0 0
BRISTOL MYERS SQUIBB CO COMMON 110122108   228,146 4,207 SH   SOLE   4,207 0 0
BRISTOL MYERS SQUIBB CO COMMON 110122108   35,358 652 SH   DFND   652 0 0
BURKE & HERBERT FINL SVCS CORP COMMON 12135Y108   11,078,476 197,724 SH   SOLE   197,724 0 0
BURKE & HERBERT FINL SVCS CORP COMMON 12135Y108   392,210 7,000 SH   DFND   7,000 0 0
CAPITAL ONE FINANCIAL CORP COMMON 14040H105   469,301 3,152 SH   SOLE   3,152 0 0
CATERPILLAR INC COMMON 149123101   489,917 1,337 SH   SOLE   1,337 0 0
CHARLES SCHWAB CORP COMMON 808513105   383,402 5,300 SH   SOLE   5,300 0 0
CHEVRON CORPORATION COMMON 166764100   1,092,665 6,927 SH   SOLE   6,927 0 0
CHEVRON CORPORATION COMMON 166764100   711,092 4,508 SH   DFND   4,508 0 0
CISCO SYSTEMS INC COMMON 17275R102   744,208 14,911 SH   SOLE   14,911 0 0
CISCO SYSTEMS INC COMMON 17275R102   54,901 1,100 SH   DFND   1,100 0 0
CITIGROUP INC COMMON 172967424   319,994 5,060 SH   SOLE   5,060 0 0
CITIGROUP INC COMMON 172967424   113,832 1,800 SH   DFND   1,800 0 0
COCA COLA CO COMMON 191216100   2,584,549 42,245 SH   SOLE   42,245 0 0
COCA COLA CO COMMON 191216100   149,524 2,444 SH   DFND   2,444 0 0
COLGATE PALMOLIVE CO COMMON 194162103   495,275 5,500 SH   SOLE   5,500 0 0
COMCAST CORP-CL A COMMON 20030N101   639,152 14,744 SH   SOLE   14,744 0 0
COMCAST CORP-CL A COMMON 20030N101   62,771 1,448 SH   DFND   1,448 0 0
CONOCOPHILLIPS COMMON 20825C104   740,897 5,821 SH   SOLE   5,821 0 0
CORTEVA INC COMMON 22052L104   174,798 3,031 SH   SOLE   3,031 0 0
CORTEVA INC COMMON 22052L104   33,852 587 SH   DFND   587 0 0
COSTCO WHOLESALE CORP COMMON 22160K105   1,082,827 1,478 SH   SOLE   1,478 0 0
COSTCO WHOLESALE CORP COMMON 22160K105   128,210 175 SH   DFND   175 0 0
CUMMINS INC COMMON 231021106   403,671 1,370 SH   SOLE   1,370 0 0
CVS HEALTH CORP COMMON 126650100   373,755 4,686 SH   SOLE   4,686 0 0
DEERE & CO COMMON 244199105   647,326 1,576 SH   SOLE   1,576 0 0
DEERE & CO COMMON 244199105   20,537 50 SH   DFND   50 0 0
DISNEY WALT CO NEW COMMON 254687106   608,986 4,977 SH   SOLE   4,977 0 0
DISNEY WALT CO NEW COMMON 254687106   92,871 759 SH   DFND   759 0 0
DOMINION ENERGY INC COMMON 25746U109   704,745 14,327 SH   SOLE   14,327 0 0
DOMINION ENERGY INC COMMON 25746U109   102,905 2,092 SH   DFND   2,092 0 0
DOW INC COMMON 260557103   257,383 4,443 SH   SOLE   4,443 0 0
DOW INC COMMON 260557103   54,396 939 SH   DFND   939 0 0
DUKE ENERGY CORP COMMON 26441C204   416,337 4,305 SH   SOLE   4,305 0 0
DUKE ENERGY CORP COMMON 26441C204   20,599 213 SH   DFND   213 0 0
DUPONT DE NEMOURS INC COMMON 26614N102   258,071 3,366 SH   SOLE   3,366 0 0
DUPONT DE NEMOURS INC COMMON 26614N102   53,516 698 SH   DFND   698 0 0
ELEVANCE HEALTH INC COMMON 036752103   539,282 1,040 SH   SOLE   1,040 0 0
EXXON MOBIL CORP COMMON 30231G102   2,808,010 24,157 SH   SOLE   24,157 0 0
EXXON MOBIL CORP COMMON 30231G102   960,956 8,267 SH   DFND   8,267 0 0
FREEPORT-MCMORAN INC COMMON 35671D857   230,398 4,900 SH   DFND   4,900 0 0
GENERAL ELECTRIC CO COMMON 369604301   619,094 3,527 SH   SOLE   3,527 0 0
GENERAL ELECTRIC CO COMMON 369604301   353,868 2,016 SH   DFND   2,016 0 0
GOLDMAN SACHS GROUP INC COMMON 38141G104   906,387 2,170 SH   SOLE   2,170 0 0
GRAINGER W W INC COMMON 384802104   219,737 216 SH   SOLE   216 0 0
HEWLETT PACKARD ENTERPRISE COM COMMON 42824C109   107,267 6,050 SH   SOLE   6,050 0 0
HEWLETT PACKARD ENTERPRISE COM COMMON 42824C109   125,156 7,059 SH   DFND   7,059 0 0
HOME DEPOT INC COMMON 437076102   2,124,760 5,539 SH   SOLE   5,539 0 0
HOME DEPOT INC COMMON 437076102   103,572 270 SH   DFND   270 0 0
HONEYWELL INTERNATIONAL INC COMMON 438516106   465,507 2,268 SH   SOLE   2,268 0 0
HONEYWELL INTERNATIONAL INC COMMON 438516106   110,014 536 SH   DFND   536 0 0
HP INC COMMON 40434L105   211,570 7,001 SH   SOLE   7,001 0 0
HP INC COMMON 40434L105   210,633 6,970 SH   DFND   6,970 0 0
INTEL CORP COMMON 458140100   577,920 13,084 SH   SOLE   13,084 0 0
INTEL CORP COMMON 458140100   139,533 3,159 SH   DFND   3,159 0 0
INTL. BUSINESS MACHINES CORP COMMON 459200101   328,069 1,718 SH   SOLE   1,718 0 0
INTL. BUSINESS MACHINES CORP COMMON 459200101   116,486 610 SH   DFND   610 0 0
INTUIT INC COMMON 461202103   578,500 890 SH   SOLE   890 0 0
JOHNSON & JOHNSON COMMON 478160104   1,962,189 12,404 SH   SOLE   12,404 0 0
JOHNSON & JOHNSON COMMON 478160104   720,239 4,553 SH   DFND   4,553 0 0
JP MORGAN CHASE & CO COMMON 46625H100   721,681 3,603 SH   SOLE   3,603 0 0
JP MORGAN CHASE & CO COMMON 46625H100   393,189 1,963 SH   DFND   1,963 0 0
KIMBERLY CLARK CORP COMMON 494368103   280,301 2,167 SH   SOLE   2,167 0 0
KIMBERLY CLARK CORP COMMON 494368103   99,600 770 SH   DFND   770 0 0
LILLY ELI & CO COMMON 532457108   280,066 360 SH   SOLE   360 0 0
LOCKHEED MARTIN CORP COMMON 539830109   282,929 622 SH   SOLE   622 0 0
LOWES COS INC COMMON 548661107   1,358,475 5,333 SH   SOLE   5,333 0 0
MARRIOTT INTERNATIONAL INC COMMON 571903202   602,516 2,388 SH   SOLE   2,388 0 0
MARRIOTT INTERNATIONAL INC COMMON 571903202   178,383 707 SH   DFND   707 0 0
MCDONALDS CORP COMMON 580135101   653,560 2,318 SH   SOLE   2,318 0 0
MCDONALDS CORP COMMON 580135101   131,107 465 SH   DFND   465 0 0
MCKESSON CORP COMMON 58155Q103   258,762 482 SH   SOLE   482 0 0
MCKESSON CORP COMMON 58155Q103   48,317 90 SH   DFND   90 0 0
MERCK & CO INC COMMON 58933Y105   1,380,329 10,461 SH   SOLE   10,461 0 0
MERCK & CO INC COMMON 58933Y105   799,881 6,062 SH   DFND   6,062 0 0
META PLATFORMS INC CL A COMMON 30303M102   1,482,476 3,053 SH   SOLE   3,053 0 0
MICROCHIP TECHNOLOGY INC COMMON 595017104   174,307 1,943 SH   SOLE   1,943 0 0
MICROCHIP TECHNOLOGY INC COMMON 595017104   35,884 400 SH   DFND   400 0 0
MICROSOFT CORP COMMON 594918104   8,193,522 19,475 SH   SOLE   19,475 0 0
MICROSOFT CORP COMMON 594918104   370,234 880 SH   DFND   880 0 0
MONDELEZ INTERNATIONAL INC COMMON 609207105   436,520 6,236 SH   SOLE   6,236 0 0
MONDELEZ INTERNATIONAL INC COMMON 609207105   113,540 1,622 SH   DFND   1,622 0 0
MOODYS CORP COMMON 615369105   220,097 560 SH   SOLE   560 0 0
MORGAN STANLEY COMMON 617446448   584,263 6,205 SH   SOLE   6,205 0 0
NEXTERA ENERGY INC COMMON 65339F101   677,318 10,598 SH   SOLE   10,598 0 0
NEXTERA ENERGY INC COMMON 65339F101   96,376 1,508 SH   DFND   1,508 0 0
NORFOLK SOUTHERN CORP COMMON 655844108   1,427,782 5,602 SH   SOLE   5,602 0 0
NORFOLK SOUTHERN CORP COMMON 655844108   899,691 3,530 SH   DFND   3,530 0 0
NORTHROP GRUMMAN CORPORATION COMMON 666807102   423,135 884 SH   SOLE   884 0 0
NVIDIA CORP COMMON 67066G104   32,528 36 SH   SOLE   36 0 0
NVIDIA CORP COMMON 67066G104   180,712 200 SH   DFND   200 0 0
OMNICOM GROUP COMMON 681919106   8,515 88 SH   SOLE   88 0 0
OMNICOM GROUP COMMON 681919106   366,237 3,785 SH   DFND   3,785 0 0
ORACLE CORPORATION COMMON 68389X105   532,210 4,237 SH   SOLE   4,237 0 0
ORACLE CORPORATION COMMON 68389X105   25,122 200 SH   DFND   200 0 0
PAYCHEX INC COMMON 704326107   505,936 4,120 SH   SOLE   4,120 0 0
PENSKE AUTOMOTIVE GROUP INC COMMON 70959W103   647,960 4,000 SH   DFND   4,000 0 0
PEPSICO INC COMMON 713448108   1,420,906 8,119 SH   SOLE   8,119 0 0
PEPSICO INC COMMON 713448108   640,537 3,660 SH   DFND   3,660 0 0
PFIZER INC COMMON 717081103   851,148 30,672 SH   SOLE   30,672 0 0
PFIZER INC COMMON 717081103   418,026 15,064 SH   DFND   15,064 0 0
PHILIP MORRIS INTERNATIONAL COMMON 718172109   815,326 8,899 SH   SOLE   8,899 0 0
PHILIP MORRIS INTERNATIONAL COMMON 718172109   324,518 3,542 SH   DFND   3,542 0 0
PHILLIPS 66 COMMON 718546104   222,632 1,363 SH   SOLE   1,363 0 0
PROCTER & GAMBLE CO COMMON 742718109   758,357 4,674 SH   SOLE   4,674 0 0
PROCTER & GAMBLE CO COMMON 742718109   424,284 2,615 SH   DFND   2,615 0 0
QUALCOMM INC COMMON 747525103   438,656 2,591 SH   SOLE   2,591 0 0
RTX CORPORATION COMMON 75513E101   139,078 1,426 SH   SOLE   1,426 0 0
RTX CORPORATION COMMON 75513E101   121,620 1,247 SH   DFND   1,247 0 0
SALESFORCE INC COMMON 79466L302   205,706 683 SH   SOLE   683 0 0
SALESFORCE INC COMMON 79466L302   60,236 200 SH   DFND   200 0 0
SHERWIN WILLIAMS CO COMMON 824348106   1,243,441 3,580 SH   DFND   3,580 0 0
SOUTHERN COMPANY COMMON 842587107   428,575 5,974 SH   SOLE   5,974 0 0
SOUTHERN COMPANY COMMON 842587107   38,022 530 SH   DFND   530 0 0
TARGET CORP COMMON 87612E106   187,134 1,056 SH   SOLE   1,056 0 0
TARGET CORP COMMON 87612E106   90,023 508 SH   DFND   508 0 0
THE CIGNA GROUP COMMON 125523100   1,810,502 4,985 SH   SOLE   4,985 0 0
THE CIGNA GROUP COMMON 125523100   40,677 112 SH   DFND   112 0 0
TRAVELERS COMPANIES INC COMMON 89417E109   75,716 329 SH   SOLE   329 0 0
TRAVELERS COMPANIES INC COMMON 89417E109   283,763 1,233 SH   DFND   1,233 0 0
TRUIST FINANCIAL CORP COMMON 89832Q109   196,810 5,049 SH   SOLE   5,049 0 0
TRUIST FINANCIAL CORP COMMON 89832Q109   20,192 518 SH   DFND   518 0 0
UBER TECHNOLOGIES INC COMMON 90353T100   1,362,723 17,700 SH   SOLE   17,700 0 0
UNION PAC CORP COMMON 907818108   322,906 1,313 SH   SOLE   1,313 0 0
UNITEDHEALTH GROUP INC COMMON 91324P102   51,449 104 SH   SOLE   104 0 0
UNITEDHEALTH GROUP INC COMMON 91324P102   286,926 580 SH   DFND   580 0 0
VALERO ENERGY CORP COMMON 91913Y100   489,710 2,869 SH   SOLE   2,869 0 0
VERIZON COMMUNICATIONS COMMON 92343V104   602,294 14,354 SH   SOLE   14,354 0 0
VERIZON COMMUNICATIONS COMMON 92343V104   303,832 7,241 SH   DFND   7,241 0 0
VISA INC CL A COMMON 92826C839   247,265 886 SH   SOLE   886 0 0
VULCAN MATERIALS CO COMMON 929160109   211,240 774 SH   SOLE   774 0 0
WALMART INC COMMON 931142103   1,751,669 29,112 SH   SOLE   29,112 0 0
WALMART INC COMMON 931142103   321,669 5,346 SH   DFND   5,346 0 0
WASTE MANAGEMENT INC COMMON 94106L109   521,152 2,445 SH   SOLE   2,445 0 0
WELLS FARGO & CO COMMON 949746101   251,546 4,340 SH   SOLE   4,340 0 0
WELLS FARGO & CO COMMON 949746101   78,652 1,357 SH   DFND   1,357 0 0
YUM! BRANDS INC COMMON 988498101   365,343 2,635 SH   SOLE   2,635 0 0
YUM! BRANDS INC COMMON 988498101   55,460 400 SH   DFND   400 0 0
3M CO COMMON 88579Y101   197,927 1,866 SH   SOLE   1,866 0 0
3M CO COMMON 88579Y101   117,101 1,104 SH   DFND   1,104 0 0
FEDERAL REALTY INVESTMENT TRUS COMMON 313745101   749,050 7,335 SH   SOLE   0 0 0
ACCENTURE PLC CL A COMMON G1151C101   371,219 1,071 SH   SOLE   1,071 0 0
LYONDELLBASELL INDUSTRIES NV COMMON N53745100   525,208 5,135 SH   SOLE   5,135 0 0
MANULIFE FINANCIAL CORP COMMON 56501R106   85,566 3,424 SH   SOLE   3,424 0 0
MANULIFE FINANCIAL CORP COMMON 56501R106   401,989 16,086 SH   DFND   16,086 0 0
METHANEX CORP COMMON 59151K108   312,410 7,000 SH   SOLE   7,000 0 0
ISHARES CORE MSCI EAFE ETF OTHER 46432F842   416,597 5,613 SH   SOLE   0 0 0
ISHARES DJ US TOTAL MARKET ETF OTHER 464287846   406,686 3,175 SH   SOLE   0 0 0
ISHARES MSCI EAFE ETF OTHER 464287465   1,302,117 16,305 SH   SOLE   0 0 0
ISHARES MSCI EAFE ETF OTHER 464287465   20,764 260 SH   DFND   0 0 0
ISHARES MSCI EMERGING MKT ETF OTHER 464287234   493,124 12,004 SH   SOLE   0 0 0
ISHARES S&P MIDCAP 400/VALUE E OTHER 464287705   397,573 3,361 SH   SOLE   0 0 0
ISHARES S&P MIDCAP 400/VALUE E OTHER 464287705   14,786 125 SH   DFND   0 0 0
ISHARES S&P SMALLCAP 600 OTHER 464287804   1,942,168 17,573 SH   SOLE   0 0 0
ISHARES S&P SMALLCAP 600 OTHER 464287804   142,129 1,286 SH   DFND   0 0 0
ISHARES S&P 400 MIDCAP INDEX F OTHER 464287507   2,398,866 39,494 SH   SOLE   0 0 0
ISHARES S&P 400 MIDCAP INDEX F OTHER 464287507   161,872 2,665 SH   DFND   0 0 0
ISHARES S&P 500 INDEX FUND OTHER 464287200   2,054,027 3,907 SH   SOLE   0 0 0
SPDR PORTFOLIO S&P 500 GROWTH OTHER 78464A409   2,722,131 37,213 SH   SOLE   0 0 0
SPDR PORTFOLIO S&P 500 GROWTH OTHER 78464A409   17,190 235 SH   DFND   0 0 0
SPDR S&P 500 ETF TRUST OTHER 78462F103   9,170,986 17,533 SH   SOLE   0 0 0
SPDR S&P 500 ETF TRUST OTHER 78462F103   124,491 238 SH   DFND   0 0 0
VANGUARD HIGH DVD YIELD ETF OTHER 921946406   2,160,881 17,860 SH   SOLE   0 0 0
VANGUARD HIGH DVD YIELD ETF OTHER 921946406   32,667 270 SH   DFND   0 0 0
VANGUARD S&P 500 ETF OTHER 922908363   420,613 875 SH   SOLE   0 0 0
SPDR BLOOMBERG HIGH YIELD BOND OTHER 78468R622   74,446 782 SH   SOLE   0 0 0
SPDR BLOOMBERG HIGH YIELD BOND OTHER 78468R622   154,129 1,619 SH   DFND   0 0 0