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 STOCK 002824100 911 11,550 SH   SOLE   11,550 0 0
ABBOTT LABS COMMON STOCK 002824100 378 4,785 SH   DFND   4,785 0 0
ABBVIE INC COMMON STOCK 00287Y109 749 9,832 SH   SOLE   9,832 0 0
ABBVIE INC COMMON STOCK 00287Y109 413 5,415 SH   DFND   5,415 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 433 2,167 SH   SOLE   2,167 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 30 150 SH   DFND   150 0 0
ALPHABET INC CL A COMMON STOCK 02079K305 914 787 SH   SOLE   787 0 0
ALPHABET INC CL A COMMON STOCK 02079K305 52 45 SH   DFND   45 0 0
ALPHABET INC CL C COMMON STOCK 02079K107 656 564 SH   SOLE   564 0 0
ALPHABET INC CL C COMMON STOCK 02079K107 52 45 SH   DFND   45 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 677 17,507 SH   SOLE   17,507 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 165 4,275 SH   DFND   4,275 0 0
AMAZON.COM INC COMMON STOCK 023135106 848 435 SH   SOLE   435 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 655 7,649 SH   SOLE   7,649 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 94 1,100 SH   DFND   1,100 0 0
ANALOG DEVICES INC COMMON STOCK 032654105 281 3,130 SH   SOLE   3,130 0 0
ANTHEM INC COMMON STOCK 036752103 232 1,020 SH   SOLE   1,020 0 0
APPLE INC COMMON STOCK 037833100 3,864 15,197 SH   SOLE   15,197 0 0
APPLE INC COMMON STOCK 037833100 586 2,305 SH   DFND   2,305 0 0
APPLIED MATERIALS INC COMMON STOCK 038222105 402 8,768 SH   SOLE   8,768 0 0
APPLIED MATERIALS INC COMMON STOCK 038222105 14 316 SH   DFND   316 0 0
ARES CAPITAL CORP COMMON STOCK 04010L103 176 16,299 SH   SOLE   16,299 0 0
AT&T INC COMMON STOCK 00206R102 618 21,209 SH   SOLE   21,209 0 0
AT&T INC COMMON STOCK 00206R102 349 11,959 SH   DFND   11,959 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 317 2,317 SH   SOLE   2,317 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 284 2,080 SH   DFND   2,080 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104 675 31,775 SH   SOLE   31,775 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104 343 16,155 SH   DFND   16,155 0 0
BAXTER INTL INC COMMON STOCK 071813109 151 1,856 SH   SOLE   1,856 0 0
BAXTER INTL INC COMMON STOCK 071813109 160 1,975 SH   DFND   1,975 0 0
BERKSHIRE HATHAWAY INC CLASS A COMMON STOCK 084670108 816 3 SH   SOLE   3 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 450 2,463 SH   SOLE   2,463 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 81 443 SH   DFND   443 0 0
BLACKROCK INC CL A COMMON STOCK 09247X101 370 842 SH   SOLE   842 0 0
BLACKROCK INC CL A COMMON STOCK 09247X101 106 240 SH   DFND   240 0 0
BOEING CO COMMON STOCK 097023105 858 5,756 SH   SOLE   5,756 0 0
BOEING CO COMMON STOCK 097023105 153 1,026 SH   DFND   1,026 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 568 10,191 SH   SOLE   10,191 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 58 1,035 SH   DFND   1,035 0 0
CATERPILLAR INC COMMON STOCK 149123101 504 4,340 SH   SOLE   4,340 0 0
CENTENE CORP COMMON STOCK 15135B101 297 5,000 SH   SOLE   5,000 0 0
CHARLES SCHWAB CORP COMMON STOCK 808513105 245 7,300 SH   SOLE   7,300 0 0
CHEVRON CORPORATION COMMON STOCK 166764100 781 10,780 SH   SOLE   10,780 0 0
CHEVRON CORPORATION COMMON STOCK 166764100 532 7,343 SH   DFND   7,343 0 0
CIGNA CORP COMMON STOCK 125523100 410 2,312 SH   SOLE   2,312 0 0
CIGNA CORP COMMON STOCK 125523100 840 4,742 SH   DFND   4,742 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 1,025 26,081 SH   SOLE   26,081 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 116 2,950 SH   DFND   2,950 0 0
CITIGROUP INC COMMON STOCK 172967424 217 5,145 SH   SOLE   5,145 0 0
CITIGROUP INC COMMON STOCK 172967424 84 2,000 SH   DFND   2,000 0 0
COCA COLA CO COMMON STOCK 191216100 1,950 44,058 SH   SOLE   44,058 0 0
COCA COLA CO COMMON STOCK 191216100 462 10,445 SH   DFND   10,445 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 241 3,638 SH   SOLE   3,638 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 141 2,125 SH   DFND   2,125 0 0
COMCAST CORP-CL A COMMON STOCK 20030N101 567 16,501 SH   SOLE   16,501 0 0
COMCAST CORP-CL A COMMON STOCK 20030N101 170 4,938 SH   DFND   4,938 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 398 12,932 SH   SOLE   12,932 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 3 100 SH   DFND   100 0 0
CORNING INC COMMON STOCK 219350105 275 13,402 SH   SOLE   13,402 0 0
CORNING INC COMMON STOCK 219350105 10 500 SH   DFND   500 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105 470 1,649 SH   SOLE   1,649 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105 53 185 SH   DFND   185 0 0
CSX CORP COMMON STOCK 126408103 417 7,272 SH   SOLE   7,272 0 0
CUMMINS INC COMMON STOCK 231021106 475 3,512 SH   SOLE   3,512 0 0
CVS HEALTH CORP COMMON STOCK 126650100 384 6,472 SH   SOLE   6,472 0 0
CVS HEALTH CORP COMMON STOCK 126650100 53 900 SH   DFND   900 0 0
DEERE & CO COMMON STOCK 244199105 779 5,642 SH   SOLE   5,642 0 0
DEERE & CO COMMON STOCK 244199105 66 475 SH   DFND   475 0 0
DISNEY WALT CO NEW COMMON STOCK 254687106 1,047 10,841 SH   SOLE   10,841 0 0
DISNEY WALT CO NEW COMMON STOCK 254687106 120 1,240 SH   DFND   1,240 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109 1,037 14,360 SH   SOLE   14,360 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109 177 2,448 SH   DFND   2,448 0 0
DOW INC COMMON STOCK 260557103 170 5,809 SH   SOLE   5,809 0 0
DOW INC COMMON STOCK 260557103 57 1,946 SH   DFND   1,946 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204 375 4,631 SH   SOLE   4,631 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204 11 132 SH   DFND   132 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102 183 5,357 SH   SOLE   5,357 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102 69 2,013 SH   DFND   2,013 0 0
EMERSON ELEC CO COMMON STOCK 291011104 264 5,531 SH   SOLE   5,531 0 0
EMERSON ELEC CO COMMON STOCK 291011104 8 160 SH   DFND   160 0 0
EXELON CORP COMMON STOCK 30161N101 189 5,128 SH   SOLE   5,128 0 0
EXELON CORP COMMON STOCK 30161N101 26 700 SH   DFND   700 0 0
EXXONMOBIL CORP COMMON STOCK 30231G102 1,085 28,579 SH   SOLE   28,579 0 0
EXXONMOBIL CORP COMMON STOCK 30231G102 900 23,713 SH   DFND   23,713 0 0
FACEBOOK INC CL A COMMON STOCK 30303M102 699 4,190 SH   SOLE   4,190 0 0
FISERV INC COMMON STOCK 337738108 201 2,121 SH   SOLE   2,121 0 0
FORD MOTOR CO DEL COMMON STOCK 345370860 96 19,794 SH   SOLE   19,794 0 0
FORD MOTOR CO DEL COMMON STOCK 345370860 11 2,250 SH   DFND   2,250 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 157 1,190 SH   SOLE   1,190 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 57 430 SH   DFND   430 0 0
GENERAL ELECTRIC CORP COMMON STOCK 369604103 148 18,643 SH   SOLE   18,643 0 0
GENERAL ELECTRIC CORP COMMON STOCK 369604103 342 43,043 SH   DFND   43,043 0 0
GENERAL MLS INC COMMON STOCK 370334104 188 3,555 SH   SOLE   3,555 0 0
GENERAL MLS INC COMMON STOCK 370334104 84 1,600 SH   DFND   1,600 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 494 3,196 SH   SOLE   3,196 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 4 25 SH   DFND   25 0 0
HEWLETT PACKARD ENTERPRISE COM COMMON STOCK 42824C109 205 21,155 SH   SOLE   21,155 0 0
HEWLETT PACKARD ENTERPRISE COM COMMON STOCK 42824C109 85 8,753 SH   DFND   8,753 0 0
HOME DEPOT INC COMMON STOCK 437076102 1,165 6,238 SH   SOLE   6,238 0 0
HOME DEPOT INC COMMON STOCK 437076102 280 1,500 SH   DFND   1,500 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 591 4,419 SH   SOLE   4,419 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 86 645 SH   DFND   645 0 0
HP INC COMMON STOCK 40434L105 375 21,624 SH   SOLE   21,624 0 0
HP INC COMMON STOCK 40434L105 150 8,648 SH   DFND   8,648 0 0
ILLINOIS TOOL WKS INC COMMON STOCK 452308109 228 1,605 SH   SOLE   1,605 0 0
INTEL CORP COMMON STOCK 458140100 1,400 25,866 SH   SOLE   25,866 0 0
INTEL CORP COMMON STOCK 458140100 378 6,978 SH   DFND   6,978 0 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 1,493 13,457 SH   SOLE   13,457 0 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 136 1,225 SH   DFND   1,225 0 0
INTUIT INC COMMON STOCK 461202103 243 1,055 SH   SOLE   1,055 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 4,682 35,704 SH   SOLE   35,704 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 546 4,160 SH   DFND   4,160 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100 689 7,652 SH   SOLE   7,652 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100 271 3,010 SH   DFND   3,010 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 327 2,561 SH   SOLE   2,561 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 194 1,518 SH   DFND   1,518 0 0
LAS VEGAS SANDS CORP COMMON STOCK 517834107 320 7,526 SH   SOLE   7,526 0 0
LAS VEGAS SANDS CORP COMMON STOCK 517834107 33 769 SH   DFND   769 0 0
LILLY ELI & CO COMMON STOCK 532457108 328 2,365 SH   SOLE   2,365 0 0
LILLY ELI & CO COMMON STOCK 532457108 17 125 SH   DFND   125 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 348 1,028 SH   SOLE   1,028 0 0
LOWES COS INC COMMON STOCK 548661107 220 2,551 SH   SOLE   2,551 0 0
LOWES COS INC COMMON STOCK 548661107 439 5,100 SH   DFND   5,100 0 0
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202 196 2,621 SH   SOLE   2,621 0 0
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202 53 707 SH   DFND   707 0 0
MCDONALDS CORP COMMON STOCK 580135101 765 4,624 SH   SOLE   4,624 0 0
MCDONALDS CORP COMMON STOCK 580135101 123 745 SH   DFND   745 0 0
MERCK & CO INC COMMON STOCK 58933Y105 1,476 19,186 SH   SOLE   19,186 0 0
MERCK & CO INC COMMON STOCK 58933Y105 607 7,893 SH   DFND   7,893 0 0
MICROSOFT CORP COMMON STOCK 594918104 3,510 22,257 SH   SOLE   22,257 0 0
MICROSOFT CORP COMMON STOCK 594918104 1,324 8,392 SH   DFND   8,392 0 0
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 510 10,179 SH   SOLE   10,179 0 0
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 102 2,029 SH   DFND   2,029 0 0
MORGAN STANLEY COMMON STOCK 617446448 293 8,616 SH   SOLE   8,616 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 1,090 4,530 SH   SOLE   4,530 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 151 627 SH   DFND   627 0 0
NIKE INC-CLASS B COMMON STOCK 654106103 328 3,961 SH   SOLE   3,961 0 0
NIKE INC-CLASS B COMMON STOCK 654106103 58 700 SH   DFND   700 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 1,212 8,301 SH   SOLE   8,301 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 526 3,600 SH   DFND   3,600 0 0
NORTHROP GRUMMAN CORPORATION COMMON STOCK 666807102 272 899 SH   SOLE   899 0 0
OMNICOM GROUP COMMON STOCK 681919106 28 505 SH   SOLE   505 0 0
OMNICOM GROUP COMMON STOCK 681919106 208 3,785 SH   DFND   3,785 0 0
ORACLE CORPORATION COMMON STOCK 68389X105 405 8,385 SH   SOLE   8,385 0 0
ORACLE CORPORATION COMMON STOCK 68389X105 75 1,550 SH   DFND   1,550 0 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103 272 2,837 SH   SOLE   2,837 0 0
PEPSICO INC COMMON STOCK 713448108 868 7,231 SH   SOLE   7,231 0 0
PEPSICO INC COMMON STOCK 713448108 817 6,801 SH   DFND   6,801 0 0
PFIZER INC COMMON STOCK 717081103 1,657 50,753 SH   SOLE   50,753 0 0
PFIZER INC COMMON STOCK 717081103 617 18,907 SH   DFND   18,907 0 0
PHILIP MORRIS INTERNATIONAL COMMON STOCK 718172109 1,210 16,584 SH   SOLE   16,584 0 0
PHILIP MORRIS INTERNATIONAL COMMON STOCK 718172109 246 3,370 SH   DFND   3,370 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 1,936 17,597 SH   SOLE   17,597 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 470 4,273 SH   DFND   4,273 0 0
QUALCOMM INC COMMON STOCK 747525103 799 11,815 SH   SOLE   11,815 0 0
QUALCOMM INC COMMON STOCK 747525103 26 380 SH   DFND   380 0 0
SHERWIN WILLIAMS CO COMMON STOCK 824348106 29 64 SH   SOLE   64 0 0
SHERWIN WILLIAMS CO COMMON STOCK 824348106 551 1,200 SH   DFND   1,200 0 0
SOUTHERN COMPANY COMMON STOCK 842587107 364 6,719 SH   SOLE   6,719 0 0
SOUTHERN COMPANY COMMON STOCK 842587107 24 450 SH   DFND   450 0 0
TARGET CORP COMMON STOCK 87612E110 197 2,118 SH   SOLE   2,118 0 0
TARGET CORP COMMON STOCK 87612E110 110 1,185 SH   DFND   1,185 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 352 3,520 SH   SOLE   3,520 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 21 207 SH   DFND   207 0 0
TRUIST FINANCIAL CORP COMMON STOCK 89832Q109 260 8,423 SH   SOLE   8,423 0 0
TRUIST FINANCIAL CORP COMMON STOCK 89832Q109 133 4,315 SH   DFND   4,315 0 0
UNION PAC CORP COMMON STOCK 907818108 1,029 7,294 SH   SOLE   7,294 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 121 1,300 SH   SOLE   1,300 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 90 960 SH   DFND   960 0 0
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 336 3,562 SH   SOLE   3,562 0 0
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 266 2,821 SH   DFND   2,821 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 162 648 SH   SOLE   648 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 183 735 SH   DFND   735 0 0
VALERO ENERGY CORP COMMON STOCK 91913Y100 250 5,512 SH   SOLE   5,512 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 1,142 21,253 SH   SOLE   21,253 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 524 9,749 SH   DFND   9,749 0 0
VISA INC CL A COMMON STOCK 92826C839 269 1,672 SH   SOLE   1,672 0 0
WALMART INC COMMON STOCK 931142103 1,512 13,307 SH   SOLE   13,307 0 0
WALMART INC COMMON STOCK 931142103 503 4,425 SH   DFND   4,425 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109 450 4,865 SH   SOLE   4,865 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109 46 500 SH   DFND   500 0 0
WELLS FARGO & CO COMMON STOCK 949746101 390 13,581 SH   SOLE   13,581 0 0
WELLS FARGO & CO COMMON STOCK 949746101 156 5,437 SH   DFND   5,437 0 0
YUM CHINA HOLDINGS INC COMMON STOCK 98850P109 206 4,836 SH   SOLE   4,836 0 0
YUM CHINA HOLDINGS INC COMMON STOCK 98850P109 105 2,473 SH   DFND   2,473 0 0
YUM! BRANDS INC COMMON STOCK 988498101 305 4,453 SH   SOLE   4,453 0 0
YUM! BRANDS INC COMMON STOCK 988498101 169 2,473 SH   DFND   2,473 0 0
3M CO COMMON STOCK 88579Y101 650 4,759 SH   SOLE   4,759 0 0
3M CO COMMON STOCK 88579Y101 349 2,558 SH   DFND   2,558 0 0
FEDERAL REALTY INVESTMENT TR R COMMON STOCK 313747206 642 8,610 SH   DFND   0 0 0
PUBLIC STORAGE INC REIT COMMON STOCK 74460D109 276 1,388 SH   SOLE   0 0 0
ACCENTURE PLC CL A COMMON STOCK G1151C101 281 1,722 SH   SOLE   1,722 0 0
MANULIFE FINANCIAL CORP COMMON STOCK 56501R106 54 4,338 SH   SOLE   4,338 0 0
MANULIFE FINANCIAL CORP COMMON STOCK 56501R106 194 15,458 SH   DFND   15,458 0 0
MEDTRONIC PLC COMMON STOCK G5960L103 111 1,230 SH   SOLE   1,230 0 0
MEDTRONIC PLC COMMON STOCK G5960L103 174 1,930 SH   DFND   1,930 0 0
ISHARES DJ US TOTAL MARKET ETF OTHER 464287846 289 2,287 SH   SOLE   0 0 0
ISHARES MSCI EAFE ETF OTHER 464287465 425 7,948 SH   SOLE   0 0 0
ISHARES MSCI EAFE ETF OTHER 464287465 130 2,438 SH   DFND   0 0 0
ISHARES MSCI EMERGING MKT ETF OTHER 464287234 139 4,082 SH   SOLE   0 0 0
ISHARES MSCI EMERGING MKT ETF OTHER 464287234 63 1,850 SH   DFND   0 0 0
ISHARES S&P MIDCAP 400/VALUE E OTHER 464287705 276 2,513 SH   SOLE   0 0 0
ISHARES S&P MIDCAP 400/VALUE E OTHER 464287705 9 80 SH   DFND   0 0 0
ISHARES S&P SMALLCAP 600 OTHER 464287804 751 13,383 SH   SOLE   0 0 0
ISHARES S&P SMALLCAP 600 OTHER 464287804 166 2,958 SH   DFND   0 0 0
ISHARES S&P 400 MIDCAP INDEX F OTHER 464287507 644 4,479 SH   SOLE   0 0 0
ISHARES S&P 400 MIDCAP INDEX F OTHER 464287507 268 1,863 SH   DFND   0 0 0
SPDR S&P 500 ETF TRUST OTHER 78462F103 3,821 14,823 SH   SOLE   0 0 0
SPDR S&P 500 ETF TRUST OTHER 78462F103 1,031 4,000 SH   DFND   0 0 0
VANGUARD HIGH DVD YIELD ETF OTHER 921946406 677 9,574 SH   SOLE   0 0 0
VANGUARD HIGH DVD YIELD ETF OTHER 921946406 40 571 SH   DFND   0 0 0
ISHARES CORE U.S. AGGREGATE BO OTHER 464287226 240 2,084 SH   SOLE   0 0 0
WESTERN ASSET MGD MUNI FD INC OTHER 95766M105 138 11,500 SH   SOLE   0 0 0