AFLAC INC Com 001055102 76687 699 SH SOLE 0 699 0 0 AT&T INC Com 00206R102 656102 22632 SH SOLE 0 22632 0 0 AT&T INC Com 00206R102 76128 2626 SH DFND 0 2626 0 0 AT&T INC Pfd Stk 00206R300 85260 4000 SH SOLE 0 4000 0 0 ABBOTT LABORATORIES Com 002824100 238297 2321 SH SOLE 0 2321 0 0 ABBOTT LABORATORIES Com 002824100 53902 525 SH DFND 0 525 0 0 ABBVIE INC Com 00287Y109 159203 732 SH SOLE 0 732 0 0 ABERDEEN TOTAL DYNAMIC DIVIDEN Com 00326L100 18024 1957 SH SOLE 0 1957 0 0 ADVANCED MICRO DEVICS Com 007903107 101715 500 SH SOLE 0 500 0 0 AEYE INC WT EXP Com 008183113 38 1000 SH SOLE 0 1000 0 0 AGILENT TECHNOLOGIES INC Com 00846U101 1061724 9315 SH SOLE 0 9315 0 0 AIRBNB INC-CLASS A Com 009066101 3662 29 SH SOLE 0 29 0 0 ALBEMARLE CORP Com 012653101 143624 800 SH SOLE 0 800 0 0 ALLIANCE RESOURCE PARTNERS Com 01877R108 27650 1000 SH SOLE 0 1000 0 0 ALPHABET INC - CL C Com 02079K107 38439 134 SH SOLE 0 134 0 0 ALPHABET INC - CL A Com 02079K305 5047253 17552 SH SOLE 0 17452 0 100 ALPHABET INC - CL A Com 02079K305 66139 230 SH DFND 0 230 0 0 ALTRIA GROUP INC Com 02209S103 850545 12889 SH SOLE 0 12889 0 0 AMAZON.COM INC Com 023135106 6804806 32673 SH SOLE 0 32673 0 0 AMAZON.COM INC Com 023135106 41654 200 SH DFND 0 200 0 0 AMERICAN ELECTRIC POWER CO INC Com 025537101 115875 884 SH SOLE 0 884 0 0 AMERICAN EXPRESS CO Com 025816109 91349 302 SH SOLE 0 302 0 0 AMERICAN INTERNATIONAL GROUP Com 026874784 5945 79 SH SOLE 0 79 0 0 AMERICAN WATER WORKS INC Com 030420103 18780 138 SH SOLE 0 138 0 0 AMGEN INC Com 031162100 6931445 19700 SH SOLE 0 19700 0 0 AMPHENOL CORP CL A Com 032095101 31335 248 SH SOLE 0 248 0 0 ANALOG DEVICES INC Com 032654105 229379 721 SH SOLE 0 721 0 0 APOLLO GLOBAL MANAGEMENT INC Com 03769M106 16156 145 SH SOLE 0 145 0 0 APPLE INC Com 037833100 11251780 44335 SH SOLE 0 43835 0 500 APPLE INC Com 037833100 142122 560 SH DFND 0 560 0 0 ARES CAPITAL CORP COM Com 04010L103 11749 652 SH SOLE 0 652 0 0 ARVINAS, INC Com 04335A105 10600 1000 SH SOLE 0 1000 0 0 ATLANTIC UNION BANKSHARES CORP Com 04911A107 7756 217 SH SOLE 0 217 0 0 AUTOMATIC DATA PROCESSING INC Com 053015103 480521 2365 SH SOLE 0 2365 0 0 BCE INC NEW Com 05534B760 12620 500 SH SOLE 0 500 0 0 BP PLC SPONSORED ADR Com 055622104 50948 1084 SH SOLE 0 1084 0 0 BAKER HUGHES CO Com 05722G100 2490291 40791 SH SOLE 0 40791 0 0 BANK OF AMERICA CORP Com 060505104 769568 15786 SH SOLE 0 15786 0 0 BANK OF AMERICA CORP Pfd Stk 060505195 97947 4000 SH SOLE 0 4000 0 0 BARRICK MINING CORPORATION Com 06849F108 738299 18100 SH SOLE 0 18100 0 0 BECTON DICKINSON & CO Com 075887109 12736 81 SH SOLE 0 81 0 0 WR BERKLEY CORP Com 084423102 1517945 22902 SH SOLE 0 22902 0 0 BERKSHIRE HATHAWAY INC CL B NE Com 084670702 198868 415 SH SOLE 0 415 0 0 BERKSHIRE HATHAWAY INC CL B NE Com 084670702 210848 440 SH DFND 0 440 0 0 BHP BILLITON LTD SPON ADR Com 088606108 10402 143 SH SOLE 0 143 0 0 BLACKROCK ENHANCED EQUITY DIV Com 09251A104 16843 1954 SH SOLE 0 1954 0 0 BLACKSTONE INC Com 09260D107 3700378 32180 SH SOLE 0 31730 0 450 BLACKROCK INC NEW COM Com 09290D101 10579 11 SH SOLE 0 11 0 0 BOEING CO. Com 097023105 4976 25 SH SOLE 0 25 0 0 BRISTOL-MYERS SQUIBB CO. Com 110122108 975919 16091 SH SOLE 0 16091 0 0 BROADCOM INC COM Com 11135F101 93782 303 SH SOLE 0 303 0 0 Brown-Forman Corporation Class Com 115637209 24774 937 SH SOLE 0 937 0 0 C & F FINANCIAL CORPORATION Com 12466Q104 51058 700 SH SOLE 0 700 0 0 CBRE GROUP INC Com 12504L109 1195028 8822 SH SOLE 0 8559 0 263 CME GROUP INC Com 12572Q105 4430 15 SH SOLE 0 15 0 0 CSX CORP Com 126408103 233985 5700 SH SOLE 0 4900 0 800 CADENCE DESIGN SYS INC Com 127387108 14171 51 SH SOLE 0 51 0 0 CANADIAN PACIFIC KANSAS CITY L Com 13646K108 78660 1000 SH SOLE 0 1000 0 0 CAPITAL ONE FINANCIAL CORP Com 14040H105 62756 344 SH SOLE 0 344 0 0 Carlyle Group Inc. Com 14316J108 145170 3000 SH SOLE 0 3000 0 0 CARRIAGE SERVICES INC Com 143905107 13698 300 SH SOLE 0 300 0 0 CARRIER GLOBAL CORP Com 14448C104 2647 47 SH SOLE 0 47 0 0 CATERPILLAR INC Com 149123101 793475 1120 SH SOLE 0 1120 0 0 CHEVRON CORP Com 166764100 1200020 5800 SH SOLE 0 5800 0 0 CHURCH & DWIGHT CO INC Com 171340102 79322 850 SH SOLE 0 850 0 0 CINCINNATI FINANCIAL CORP Com 172062101 39338 250 SH SOLE 0 250 0 0 CISCO SYSTEMS Com 17275R102 8166813 105256 SH SOLE 0 104856 0 400 CISCO SYSTEMS Com 17275R102 39571 510 SH DFND 0 300 0 210 CITIGROUP INC NEW Com 172967424 20300 179 SH SOLE 0 179 0 0 CLOROX CO Com 189054109 243531 2350 SH SOLE 0 2350 0 0 COCA COLA BOTTLING CO CONS Com 191098102 53687 280 SH SOLE 0 280 0 0 COCA-COLA CO Com 191216100 2005971 26377 SH SOLE 0 26377 0 0 COGNIZANT TECH SOLUTIONS-A Com 192446102 12270 200 SH SOLE 0 200 0 0 COLGATE PALMOLIVE CO. Com 194162103 221598 2600 SH SOLE 0 2600 0 0 COMCAST CORP CL A Com 20030N101 5742 200 SH SOLE 0 200 0 0 CONOCOPHILLIPS Com 20825C104 6142488 46534 SH SOLE 0 46134 0 400 CONOCOPHILLIPS Com 20825C104 13200 100 SH DFND 0 100 0 0 CONSOLIDATED EDISON INC Com 209115104 48667 430 SH SOLE 0 430 0 0 CONSTELLATION BRANDS INC-A Com 21036P108 15000 100 SH SOLE 0 100 0 0 CONSTELLATION ENERGY CORPORATI Com 21037T109 84054 301 SH SOLE 0 301 0 0 CORNING INC Com 219350105 32225 237 SH SOLE 0 237 0 0 CORTEVA INC Com 22052L104 49473 591 SH SOLE 0 591 0 0 COSTCO WHOLESALE CORP Com 22160K105 137507 138 SH SOLE 0 138 0 0 DXC TECHNOLOGY CO Com 23355L106 101 8 SH SOLE 0 8 0 0 DANAHER CORP Com 235851102 170640 900 SH SOLE 0 900 0 0 DARDEN RESTAURANTS INC Com 237194105 235248 1200 SH SOLE 0 1200 0 0 DEERE & CO Com 244199105 822981 1461 SH SOLE 0 1386 0 75 DEVON ENERGY CORPORATION NEW Com 25179M103 285566 5675 SH SOLE 0 5675 0 0 WALT DISNEY CO/THE Com 254687106 544933 5654 SH SOLE 0 5654 0 0 DOMINION ENERGY INC Com 25746U109 1455799 23549 SH SOLE 0 23149 0 400 DOMINION ENERGY INC Com 25746U109 12302 199 SH DFND 0 199 0 0 DOW INC Com 260557103 24615 591 SH SOLE 0 591 0 0 DUKE ENERGY CORP NEW COM Com 26441C204 297758 2274 SH SOLE 0 2274 0 0 DUKE ENERGY CORP Pfd Stk 26441C501 97460 4000 SH SOLE 0 4000 0 0 EATON TAX ADVANTAGE DIVIDEND F Com 27828G107 22120 901 SH SOLE 0 901 0 0 EATON VANCE TX ADV GLBL DIV FD Com 27828S101 19335 961 SH SOLE 0 961 0 0 EATON VANCE TAX-MGD GLOBAL DIV Com 27829F108 17303 1998 SH SOLE 0 1998 0 0 ECOLAB INC Com 278865100 4333998 16292 SH SOLE 0 16092 0 200 ENBRIDGE INC Com 29250N105 5125650 94674 SH SOLE 0 93674 0 1000 ENTERGY CORP NEW Com 29364G103 78652 700 SH SOLE 0 700 0 0 EXELON CORPORATION Com 30161N101 53922 1100 SH SOLE 0 1100 0 0 EXXON MOBIL CORPORATION Com 30231G102 13545315 79838 SH SOLE 0 79538 0 300 EXXON MOBIL CORPORATION Com 30231G102 138103 814 SH DFND 0 703 0 111 META PLATFORMS INC Com 30303M102 314672 550 SH SOLE 0 550 0 0 Fair Isaac Corp Com 303250104 6405 6 SH SOLE 0 6 0 0 FASTENAL CO Com 311900104 39069 842 SH SOLE 0 842 0 0 FEDEX CORPORATION Com 31428X106 71236 200 SH SOLE 0 200 0 0 FERGUSON ENTERPRISES INC Com 31488V107 47119 202 SH SOLE 0 202 0 0 FIRSTENERGY CORP Com 337932107 13324 263 SH SOLE 0 263 0 0 FOX CORP - CLASS B Com 35137L204 294652 5549 SH SOLE 0 5549 0 0 GABELLI DIVIDEND & INCOME TR Com 36242H104 20682 768 SH SOLE 0 768 0 0 GE HEALTHCARE TECHNOLOGIES INC Com 36266G107 37654 529 SH SOLE 0 529 0 0 Arthur J. Gallagher & Co Com 363576109 6714 31 SH SOLE 0 31 0 0 GE VERNOVA LLC COM Com 36828A101 616267 706 SH SOLE 0 706 0 0 GENERAL DYNAMICS CORP Com 369550108 33979 99 SH SOLE 0 99 0 0 GE AEROSPACE Com 369604301 1573505 5545 SH SOLE 0 5545 0 0 GENERAL MILLS INC Com 370334104 7444 200 SH SOLE 0 200 0 0 GENERAL MOTORS CO Com 37045V100 37250 500 SH SOLE 0 500 0 0 GSK PLC SPON ADS EACH REP 2 OR Com 37733W204 30906 560 SH SOLE 0 560 0 0 GOLDMAN SACHS GROUP INC Com 38141G104 497442 588 SH SOLE 0 588 0 0 MFC GOLDMAN SACHS LG CAP EQUIT Com 381430503 10761 86 SH SOLE 0 86 0 0 HP INC Com 40434L105 1921 100 SH SOLE 0 100 0 0 HALEON PLC - ADR Com 405552100 1001 100 SH SOLE 0 100 0 0 HALLIBURTON CO. Com 406216101 11697 300 SH SOLE 0 300 0 0 HARTFORD FINANCIAL SERVICES GR Com 416515104 3516 26 SH SOLE 0 26 0 0 HECLA MINING CO Com 422704106 1853685 99500 SH SOLE 0 99500 0 0 HERSHEY COMPANY Com 427866108 159036 765 SH SOLE 0 765 0 0 HEWLETT PACKARD ENTERPRISE CO Com 42824C109 1594818 66981 SH SOLE 0 65281 0 1700 HILTON WORLDWIDE HOLDINGS IN Com 43300A203 30408 100 SH SOLE 0 100 0 0 HOME DEPOT INC. Com 437076102 278899 848 SH SOLE 0 848 0 0 HONEYWELL INTERNATIONAL INC Com 438516106 999053 4420 SH SOLE 0 4420 0 0 HUNTINGTON INGALLS INDS INC Com 446413106 75980 200 SH SOLE 0 200 0 0 IDEXX LABORATORIES INC Com 45168D104 4495 8 SH SOLE 0 8 0 0 ILLINOIS TOOL WORKS Com 452308109 216041 830 SH SOLE 0 830 0 0 INTEL CORP Com 458140100 196379 4450 SH SOLE 0 4450 0 0 INTEL CORP Com 458140100 4413 100 SH DFND 0 100 0 0 INTERNATIONAL BUSINESS MACHINE Com 459200101 2635264 10872 SH SOLE 0 10872 0 0 INTERNATIONAL BUSINESS MACHINE Com 459200101 24239 100 SH DFND 0 100 0 0 INVESCO QQQ TRUST SERIES 1 Com 46090E103 1520869 2635 SH SOLE 0 2635 0 0 INTUIT INC Com 461202103 13836 32 SH SOLE 0 32 0 0 INVESCO BULLETSHARES 2029 Com 46138J577 945336 50660 SH SOLE 0 50660 0 0 INVESCO BULLETSHARES 2028 Com 46138J643 1297106 63512 SH SOLE 0 63512 0 0 INVESCO BULLETSHARES 2027 Com 46138J783 1286458 65552 SH SOLE 0 65552 0 0 INVESCO BULLETSHARES 2026 Com 46138J791 658805 33733 SH SOLE 0 33733 0 0 IQVIA HOLDINGS INC Com 46266C105 13984 82 SH SOLE 0 82 0 0 ISHARES GOLD TRUST NEW Com 464285204 815480 9250 SH SOLE 0 9250 0 0 ISHARES CORE S&P TOTAL US STOC Com 464287150 26207 184 SH SOLE 0 184 0 0 ISHARES S&P 500 INDEX FUND ETF Com 464287200 271082 415 SH SOLE 0 415 0 0 ISHARES 7-10 YR TREAS BD ETF Com 464287440 3913 41 SH SOLE 0 41 0 0 ISHARES S&P MIDCAP 400 INDEX F Com 464287507 6550 97 SH SOLE 0 97 0 0 ISHARES RUSSELL 1000 VALUE ETF Com 464287598 67733 317 SH SOLE 0 317 0 0 ISHARES RUSSELL 1000 GROWTH ET Com 464287614 816556 1915 SH SOLE 0 1915 0 0 ISHARES RUSSELL 2000 ETF Com 464287655 208072 839 SH SOLE 0 839 0 0 iShares Core S&P US Value ETF Com 464287663 3990409 39026 SH SOLE 0 39026 0 0 ISHARES S&P MID-CAP 400 VALUE Com 464287705 140715 1062 SH SOLE 0 1062 0 0 ISHARES S&P SMALL-CAP 600 VALU Com 464287879 11845 100 SH SOLE 0 100 0 0 iShares Morningstar Mid-Cap Gr Com 464288307 2866204 36387 SH SOLE 0 36229 0 158 iShares Morningstar Mid-Cap Gr Com 464288307 43639 554 SH DFND 0 554 0 0 ISHARES SILVER TRUST Com 46428Q109 131170 1925 SH SOLE 0 1925 0 0 ISHARES US TREASURY BD FD ETF Com 46429B267 25613 1118 SH SOLE 0 1118 0 0 ISHARES TR CORE MSCI EAFE ETF Com 46432F842 321834 3555 SH SOLE 0 3555 0 0 ISHARES CORE MSCI EMERGING MKT Com 46434G103 52243 749 SH SOLE 0 749 0 0 iShares Core MSCI Internationa Com 46435G326 2433558 29120 SH SOLE 0 29120 0 0 MFC ISHARES TR BROAD USD HI YL Com 46435U853 4421 120 SH SOLE 0 120 0 0 iShares iBonds Dec 2029 Term T Com 46436E825 184268 8436 SH SOLE 0 8436 0 0 iShares ibonds Dec 2028 Term T Com 46436E833 276309 12400 SH SOLE 0 12400 0 0 iShares iBonds Dec 2027 Term T Com 46436E841 304375 13570 SH SOLE 0 13570 0 0 iShares iBonds Dec 2026 Term T Com 46436E858 380389 16600 SH SOLE 0 16600 0 0 JP MORGAN CHASE & CO Com 46625H100 2225615 7566 SH SOLE 0 7446 0 120 JPMorgan Core Plus Bond ETF Com 46641Q670 2358849 50103 SH SOLE 0 50103 0 0 Jefferies Financial Group Com 47233w109 106972 2592 SH SOLE 0 2592 0 0 JOHNSON & JOHNSON Com 478160104 10672006 43659 SH SOLE 0 43659 0 0 JOHNSON & JOHNSON Com 478160104 245662 1005 SH DFND 0 930 0 75 JPMORGAN CHASE & CO Pfd Stk 48128B655 97200 4000 SH SOLE 0 4000 0 0 KIMBERLY CLARK CORP Com 494368103 450901 4674 SH SOLE 0 4674 0 0 KINDER MORGAN INC Com 49456B101 5425389 161807 SH SOLE 0 161007 0 800 KINDER MORGAN INC Com 49456B101 16765 500 SH DFND 0 500 0 0 KINROSS GOLD CORP Com 496902404 30520 1000 SH SOLE 0 1000 0 0 KRAFT HEINZ CO Com 500754106 14259 634 SH SOLE 0 634 0 0 KROGER CO Com 501044101 10854 150 SH SOLE 0 150 0 0 L3HARRIS TECHNOLOGIES INC Com 502431109 9664 28 SH SOLE 0 28 0 0 LAM RESEARCH CORP NEW Com 512807306 42732 200 SH SOLE 0 200 0 0 LEMONADE INC Com 52567D107 6268 100 SH SOLE 0 100 0 0 LILLY (ELI) & CO. Com 532457108 206028 224 SH SOLE 0 224 0 0 LOCKHEED MARTIN CORP Com 539830109 4251884 7035 SH SOLE 0 7035 0 0 LOCKHEED MARTIN CORP Com 539830109 6044 10 SH DFND 0 10 0 0 LOWES COMPANIES Com 548661107 938977 3974 SH SOLE 0 3974 0 0 LUMINAR TECHNOLOGIES INC Com 550424303 0 1 SH SOLE 0 1 0 0 M & T BANK CORP Com 55261F104 51680 250 SH SOLE 0 250 0 0 MSCI Inc Com 55354G100 5929 11 SH SOLE 0 11 0 0 MARATHON PETROLEUM CORP Com 56585A102 1323456 5420 SH SOLE 0 5420 0 0 MARSH Com 571748102 5550 32 SH SOLE 0 32 0 0 MARRIOTT INTERNATIONAL INC NEW Com 571903202 2456623 7511 SH SOLE 0 7511 0 0 MASTERCARD INC - CLASS A Com 57636Q104 128413 257 SH SOLE 0 257 0 0 MATTHEWS INTL CORP-CLASS A Com 577128101 6197 240 SH SOLE 0 240 0 0 MCDONALDS CORP Com 580135101 275671 887 SH SOLE 0 887 0 0 MERCK & CO INC NEW Com 58933Y105 2821763 23458 SH SOLE 0 23157 0 301 METLIFE INC Com 59156R108 16619 235 SH SOLE 0 235 0 0 MICROSOFT CORP Com 594918104 11740312 31716 SH SOLE 0 31366 0 350 MICROSOFT CORP Com 594918104 198041 535 SH DFND 0 535 0 0 MIDDLEBY CORP Com 596278101 15910 120 SH SOLE 0 120 0 0 MODERNA INC Com 60770K107 10160 200 SH SOLE 0 200 0 0 MONDELEZ INTERNATIONAL, INC Com 609207105 399906 6938 SH SOLE 0 6938 0 0 MORGAN STANLEY Com 617446448 290795 1767 SH SOLE 0 1767 0 0 NETFLIX INC Com 64110L106 48075 500 SH SOLE 0 500 0 0 NEWMONT MINING Com 651639106 725275 6700 SH SOLE 0 6700 0 0 NEWS CORP - CLASS B (NEW) Com 65249B208 2851 100 SH SOLE 0 100 0 0 NEXTERA ENERGY INC Com 65339F101 5771192 62136 SH SOLE 0 61336 0 800 NEXTERA ENERGY INC Com 65339F101 6966 75 SH DFND 0 75 0 0 NEXTERA ENERGY CAPITAL Pfd Stk 65339K860 92280 4000 SH SOLE 0 4000 0 0 NIKE, INC. Com 654106103 140818 2666 SH SOLE 0 2666 0 0 NORFOLK SOUTHERN CORP. Com 655844108 3509149 12227 SH SOLE 0 11927 0 300 NORTHROP GRUMMAN CORP COM Com 666807102 92102 135 SH SOLE 0 135 0 0 NOVARTIS AG-ADR Com 66987V109 22760 149 SH SOLE 0 149 0 0 NUVEEN AMT-FREE MUNICIPAL INCO Com 670657105 16688 1486 SH SOLE 0 1486 0 0 NVIDIA CORP Com 67066G104 852467 4888 SH SOLE 0 4888 0 0 NUVEEN QUALITY MUNICIPAL INC Com 67066V101 16629 1446 SH SOLE 0 1446 0 0 NUVEEN ENHANCED MUNICIPAL CRED Com 67070X101 16455 1351 SH SOLE 0 1351 0 0 Nuveen Multi-Asset Income Fund Com 670750108 50840 4100 SH SOLE 0 4100 0 0 OCCIDENTAL PETE CORP WT EXP 08 Com 674599162 515 12 SH SOLE 0 12 0 0 ONEOK INC Com 682680103 28563 316 SH SOLE 0 316 0 0 ORACLE CORP Com 68389X105 157408 1070 SH SOLE 0 1070 0 0 OTIS WORLDWIDE CORP Com 68902V107 462 6 SH SOLE 0 6 0 0 OZOP ENERGY SOLUTIONS INC COM Com 692732308 0 1 SH SOLE 0 1 0 0 PNC FINANCIAL SERVICES GROUP Com 693475105 5202 25 SH SOLE 0 25 0 0 PPG INDUSTRIES, INC. Com 693506107 342016 3200 SH SOLE 0 3200 0 0 PPL CORPORATION Com 69351T106 4928 129 SH SOLE 0 129 0 0 PACER TRENDPILOT 100 ETF Com 69374H303 32978 452 SH SOLE 0 452 0 0 PALANTIR TECHNOLOGIES INC - A Com 69608A108 7518938 51401 SH SOLE 0 51401 0 0 PAN AMERN SILVER CORP Com 697900108 1644363 30100 SH SOLE 0 30100 0 0 PAYCHEX INC Com 704326107 2856 31 SH SOLE 0 31 0 0 Paycom Software, Inc Com 70432v102 1945 16 SH SOLE 0 16 0 0 PAYPAL HOLDINGS INC Com 70450Y103 5563 123 SH SOLE 0 123 0 0 PEPSICO INC Com 713448108 7466498 48081 SH SOLE 0 47781 0 300 PEPSICO INC Com 713448108 15529 100 SH DFND 0 100 0 0 PFIZER, INC Com 717081103 880617 31361 SH SOLE 0 31361 0 0 PFIZER, INC Com 717081103 22464 800 SH DFND 0 800 0 0 PHILIP MORRIS INTERNATIONAL IN Com 718172109 2137681 12929 SH SOLE 0 12929 0 0 PHILLIPS 66 Com 718546104 628521 3450 SH SOLE 0 3450 0 0 T ROWE PRICE GROUP INC Com 74144T108 368222 4085 SH SOLE 0 4085 0 0 PRIMIS FINANCIAL CORP Com 74167B109 7742 583 SH SOLE 0 583 0 0 PROCTER & GAMBLE CO. Com 742718109 7784305 53893 SH SOLE 0 53493 0 400 PROCTER & GAMBLE CO. Com 742718109 83775 580 SH DFND 0 500 0 80 PROGRESSIVE CORP Com 743315103 743004 3748 SH SOLE 0 3748 0 0 PROLOGIS INC Com 74340W103 37671 285 SH SOLE 0 285 0 0 PROTO LABS INC Com 743713109 5702 100 SH SOLE 0 100 0 0 PRUDENTIAL FINANCIAL INC Com 744320102 19538 200 SH SOLE 0 200 0 0 PUBLIC STORAGE INC COM Com 74460D109 50113 185 SH SOLE 0 185 0 0 PUTNAM MANAGED MUNI INCOME TRU Com 746823103 16507 2684 SH SOLE 0 2684 0 0 QUALCOMM INC Com 747525103 764696 5938 SH SOLE 0 5938 0 0 RTX CORPORATION Com 75513E101 10080954 52260 SH SOLE 0 52260 0 0 RTX CORPORATION Com 75513E101 44946 233 SH DFND 0 233 0 0 ROCKWELL INTL CORP Com 773903109 55268 154 SH SOLE 0 154 0 0 ROYAL BK CDA MONTREAL QUE COM Com 780087102 566230 3500 SH SOLE 0 3500 0 0 SHELL PLC ADR Com 780259305 46500 500 SH SOLE 0 500 0 0 S & P 500 DEPOSITARY RECEIPT Com 78462F103 13007 20 SH SOLE 0 20 0 0 SPDR GOLD TRUST Com 78463V107 1884670 4380 SH SOLE 0 4380 0 0 SPDR INDEX SHARES EMERG Com 78463X509 1495256 31875 SH SOLE 0 31601 0 274 SPDR S&P 600 SMALL CAP VALUE Com 78464A300 11823 125 SH SOLE 0 125 0 0 SPDR Portfolio S&P 500 Growth Com 78464A409 3944011 40282 SH SOLE 0 40120 0 162 SPDR S&P MIDCAP 400 ETF TRUST Com 78467Y107 844961 1370 SH SOLE 0 1370 0 0 SPDR Portfolio High Yield Bond Com 78468R606 2703581 115934 SH SOLE 0 115934 0 0 SALESFORCE INC Com 79466L302 1002605 5371 SH SOLE 0 5271 0 100 SANOFI-ADR Com 80105N105 9636 200 SH SOLE 0 200 0 0 SCHLUMBERGER LTD Com 806857108 5139 100 SH SOLE 0 100 0 0 CHARLES SCHWAB CORP NEW Com 808513105 34397 366 SH SOLE 0 366 0 0 SCHWAB US LARGE CAP Com 808524300 8040 276 SH SOLE 0 276 0 0 CHARLES SCHWAB US MC Com 808524508 3901 126 SH SOLE 0 126 0 0 SCHWAB FUNDAMENTAL INTL L/C Com 808524755 9281483 189689 SH SOLE 0 188778 0 911 SCHWAB FUNDAMENTAL INTL L/C Com 808524755 39144 800 SH DFND 0 800 0 0 SCHWAB INTERNATIONAL Com 808524805 5990 242 SH SOLE 0 242 0 0 SEMPRA Com 816851109 4859 50 SH SOLE 0 50 0 0 SERVICENOW INC Com 81762P102 3659 35 SH SOLE 0 35 0 0 SHOPIFY INC CL A Com 82509L107 8422 71 SH SOLE 0 71 0 0 SIMON PROPERTY GROUP INC Com 828806109 55959 300 SH SOLE 0 300 0 0 SMUCKER J M CO NEW Com 832696405 49763 516 SH SOLE 0 516 0 0 SOLSTICE ADVANCED MATLS INC CO Com 83443Q103 65726 863 SH SOLE 0 863 0 0 SOLVENTUM CORP COM Com 83444M101 11428 175 SH SOLE 0 175 0 0 SOUTHERN CO Com 842587107 6824736 70708 SH SOLE 0 70308 0 400 STARBUCKS CORP Com 855244109 139850 1561 SH SOLE 0 1561 0 0 STRYKER CORP Com 863667101 59803 182 SH SOLE 0 182 0 0 SYSCO CORP Com 871829107 2261946 31711 SH SOLE 0 31211 0 500 SYSCO CORP Com 871829107 5350 75 SH DFND 0 75 0 0 TJX COMPANIES INC Com 872540109 31461 197 SH SOLE 0 197 0 0 TAIWAN SEMICONDUCTOR - SP ADR Com 874039100 28388 84 SH SOLE 0 84 0 0 Take-Two Interactive Software Com 874054109 1580 8 SH SOLE 0 8 0 0 TARGET CORP Com 87612E106 1144976 9447 SH SOLE 0 9447 0 0 TARGET CORP Com 87612E106 46662 385 SH DFND 0 385 0 0 TARGA RESOURCES CORP Com 87612G101 1755 7 SH SOLE 0 7 0 0 TC ENERGY CORP Com 87807B107 18780 300 SH SOLE 0 300 0 0 TEREX CORP Com 880779103 38651 654 SH SOLE 0 654 0 0 TESLA INC Com 88160R101 232344 625 SH SOLE 0 625 0 0 TEXAS INSTRUMENTS,INC. Com 882508104 2524 13 SH SOLE 0 13 0 0 3M CO Com 88579Y101 400544 2758 SH SOLE 0 2758 0 0 TOWNEBANK Com 89214P109 6797165 201876 SH SOLE 0 201876 0 0 TRAVELERS COMPANIES INC Com 89417E109 21293 73 SH SOLE 0 73 0 0 TRUIST FINANCIAL CORP Com 89832Q109 5424322 117997 SH SOLE 0 117497 0 500 TRUIST FINANCIAL CORP Com 89832Q109 51257 1115 SH DFND 0 1115 0 0 ULTA BEAUTY INC Com 90384S303 1160416 2220 SH SOLE 0 2220 0 0 UNILEVER PLC SPONSORED ADS Com 904767803 21193 372 SH SOLE 0 372 0 0 UNION PACIFIC CORP Com 907818108 1698 7 SH SOLE 0 7 0 0 UNITED CONTINENTAL HOLDINGS IN Com 910047109 18414 200 SH SOLE 0 200 0 0 UNITED PARCEL SERVICE CL B Com 911312106 1267036 12879 SH SOLE 0 12779 0 100 UNITED PARCEL SERVICE CL B Com 911312106 1968 20 SH DFND 0 20 0 0 UNITED HEALTH GROUP INC Com 91324P102 138001 510 SH SOLE 0 510 0 0 VALERO ENERGY CORP Com 91913Y100 395328 1600 SH SOLE 0 1600 0 0 VANGUARD DIVIDEND APPRECIATION Com 921908844 321730 1496 SH SOLE 0 1496 0 0 VANGUARD SHORT - TERM BOND ETF Com 921937827 3129970 39918 SH SOLE 0 39918 0 0 VANGUARD TOTAL WORLD STK ETF Com 922042742 81470 589 SH SOLE 0 589 0 0 VANGUARD INTERME Com 92206C706 3223739 54135 SH SOLE 0 54135 0 0 VANGUARD INTERMED TRM CORP BD Com 92206C870 1975905 23878 SH SOLE 0 23878 0 0 VANGUARD S&P 500 ETF Com 922908363 2992530 5008 SH SOLE 0 5008 0 0 VANGUARD SMALL-CAP VALUE ETF Com 922908611 6618304 30464 SH SOLE 0 30382 0 82 VANGUARD SMALL-CAP VALUE ETF Com 922908611 6518 30 SH DFND 0 30 0 0 VANGUARD VALUE ETF Com 922908744 26487 135 SH SOLE 0 135 0 0 VeriSign, Inc. Com 92343E102 18627 75 SH SOLE 0 75 0 0 VERIZON COMMUNICATIONS Com 92343V104 3699740 73700 SH SOLE 0 72900 0 800 VERIZON COMMUNICATIONS Com 92343V104 38604 769 SH DFND 0 769 0 0 VERSANT MEDIA GROUP INC COM US Com 925283103 296 8 SH SOLE 0 8 0 0 Vertiv Holdings Co. Com 92537N108 62645 250 SH SOLE 0 250 0 0 VICI PROPERTIES INC Com 925652109 86058 3150 SH SOLE 0 3150 0 0 VISA INC - CLASS A SHARES Com 92826C839 2547883 8430 SH SOLE 0 8430 0 0 Virtus Total Return Fund Inc Com 92835W107 52960 8000 SH SOLE 0 8000 0 0 VISTRA CORP Com 92840M102 15033 100 SH SOLE 0 100 0 0 VULCAN MATERIALS CO Com 929160109 9531 35 SH SOLE 0 35 0 0 WEC ENERGY GROUP INC Com 92939U106 2894 25 SH SOLE 0 25 0 0 WALMART INC Com 931142103 510915 4111 SH SOLE 0 4111 0 0 WARNER BROS DISCOVERY INC Com 934423104 1785 65 SH SOLE 0 65 0 0 WASTE MANAGEMENT INC Com 94106L109 79737 347 SH SOLE 0 347 0 0 WATERS CORP Com 941848103 2680 9 SH SOLE 0 9 0 0 WELLS FARGO & CO NEW Com 949746101 94179 1183 SH SOLE 0 1183 0 0 WEYERHAEUSER CO Com 962166104 649936 26604 SH SOLE 0 26604 0 0 WEYERHAEUSER CO Com 962166104 2443 100 SH DFND 0 100 0 0 WILLIAMS COS INC Com 969457100 31368 431 SH SOLE 0 431 0 0 XCEL ENERGY INC Com 98389B100 46393 584 SH SOLE 0 584 0 0 YUM! BRANDS INC Com 988498101 2490323 16017 SH SOLE 0 15717 0 300 ZOETIS INC Com 98978V103 35463 300 SH SOLE 0 300 0 0 ASTRAZENECA PLC COM STK Com G0593M107 120699 612 SH SOLE 0 612 0 0 ACCENTURE PLC CL A Com G1151C101 4421669 22299 SH SOLE 0 21949 0 350 ACCENTURE PLC CL A Com G1151C101 3966 20 SH DFND 0 20 0 0 EATON CORP PLC Com G29183103 3136408 8769 SH SOLE 0 8469 0 300 JOHNSON CTLS INTL PLC COM Com G51502105 21869 167 SH SOLE 0 167 0 0 LINDE PLC Com G54950103 22309 45 SH SOLE 0 45 0 0 MEDTRONIC PLC Com G5960L103 14557 168 SH SOLE 0 168 0 0 CHUBB CORP Com H1467J104 1696792 5206 SH SOLE 0 5206 0 0 TRANSOCEAN LTD Com H8817H100 26520 4000 SH SOLE 0 4000 0 0 STRATASYS LTD Com M85548101 781 100 SH SOLE 0 100 0 0 ASML HOLDING NV-NY REG SHS Com N07059210 26417 20 SH SOLE 0 20 0 0 MAGNUM ICE CREAM COMPANY Com N5505D105 1241 83 SH SOLE 0 83 0 0