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
AFLAC INCORPORATED Com 001055102 205 5,640 SH   SOLE 0 5,640 0 0
AFLAC INCORPORATED Com 001055102 18 500 SH   DFND 0 500 0 0
AT&T INC Com 00206R102 1,170 41,026 SH   SOLE 0 41,026 0 0
AT&T INC Com 00206R102 461 16,164 SH   DFND 0 16,164 0 0
ABBOTT LABORATORIES Com 002824100 2,812 25,838 SH   SOLE 0 25,838 0 0
ABBOTT LABORATORIES Com 002824100 100 916 SH   DFND 0 916 0 0
ABBVIE INC Com 00287Y109 2,054 23,452 SH   SOLE 0 23,452 0 0
ABBVIE INC Com 00287Y109 53 600 SH   DFND 0 600 0 0
ADOBE INC Com 00724F101 8,492 17,315 SH   SOLE 0 16,972 0 343
ADOBE INC Com 00724F101 12 25 SH   DFND 0 25 0 0
ADVANCED DRAINAGE SYSTEMS INC Com 00790R104 613 9,823 SH   SOLE 0 9,643 0 180
ADVANCED ENERGY INDUSTRIES INC Com 007973100 266 4,230 SH   SOLE 0 4,157 0 73
AIR PRODUCTS & CHEMICALS INC Com 009158106 536 1,799 SH   SOLE 0 1,799 0 0
ALPHABET INC CL C Com 02079K107 6,450 4,389 SH   SOLE 0 4,327 0 62
ALPHABET INC CL C Com 02079K107 60 41 SH   DFND 0 41 0 0
ALPHABET INC CL A Com 02079K305 10,598 7,231 SH   SOLE 0 7,169 0 62
ALPHABET INC CL A Com 02079K305 103 70 SH   DFND 0 70 0 0
ALTRIA GROUP INC Com 02209S103 494 12,790 SH   SOLE 0 12,790 0 0
AMAZON COM INC Com 023135106 23,020 7,311 SH   SOLE 0 7,241 0 70
AMAZON COM INC Com 023135106 296 94 SH   DFND 0 94 0 0
AMEREN CORP Com 023608102 385 4,868 SH   SOLE 0 4,868 0 0
AMERICAN EXPRESS CO Com 025816109 463 4,619 SH   SOLE 0 4,619 0 0
AMERICAN EXPRESS CO Com 025816109 5 49 SH   DFND 0 49 0 0
AMERICAN TOWER CORP Com 03027X100 2,188 9,051 SH   SOLE 0 9,051 0 0
AMERICAN TOWER CORP Com 03027X100 64 266 SH   DFND 0 266 0 0
AMERICAN WATER WORKS CO INC Com 030420103 469 3,239 SH   SOLE 0 3,239 0 0
AMERICAN WATER WORKS CO INC Com 030420103 58 400 SH   DFND 0 400 0 0
AMGEN INC Com 031162100 7,408 29,148 SH   SOLE 0 29,148 0 0
AMGEN INC Com 031162100 791 3,113 SH   DFND 0 3,113 0 0
ANALOG DEVICES INC Com 032654105 595 5,094 SH   SOLE 0 5,094 0 0
APPLE INC Com 037833100 50,980 440,204 SH   SOLE 0 436,640 0 3,564
APPLE INC Com 037833100 627 5,416 SH   DFND 0 5,416 0 0
APPLIED MATERIALS INC Com 038222105 515 8,658 SH   SOLE 0 8,658 0 0
AUTOMATIC DATA PROCESSING INC Com 053015103 1,767 12,665 SH   SOLE 0 12,665 0 0
AUTOMATIC DATA PROCESSING INC Com 053015103 537 3,848 SH   DFND 0 3,848 0 0
AUTOZONE INC Com 053332102 218 185 SH   SOLE 0 185 0 0
AVANGRID INC Com 05351W103 999 19,794 SH   SOLE 0 19,667 0 127
AVANGRID INC Com 05351W103 10 190 SH   DFND 0 190 0 0
BANK OF AMERICA CORP Com 060505104 305 12,641 SH   SOLE 0 12,641 0 0
BANK OF AMERICA CORP Com 060505104 36 1,500 SH   DFND 0 1,500 0 0
BAXTER INTERNATIONAL INC Com 071813109 587 7,301 SH   SOLE 0 6,951 0 350
BECTON DICKINSON & CO Com 075887109 376 1,617 SH   SOLE 0 1,617 0 0
BECTON DICKINSON & CO Com 075887109 23 100 SH   DFND 0 100 0 0
BERKSHIRE HATHAWAY INC B Com 084670702 9,630 45,223 SH   SOLE 0 44,748 0 475
BERKSHIRE HATHAWAY INC B Com 084670702 59 277 SH   DFND 0 277 0 0
BLACKROCK INC Com 09247X101 801 1,422 SH   SOLE 0 1,413 0 9
BOEING CO Com 097023105 322 1,946 SH   SOLE 0 1,946 0 0
BOOKING HOLDINGS INC Com 09857L108 306 179 SH   SOLE 0 179 0 0
BRISTOL MYERS SQUIBB CO Com 110122108 1,741 28,882 SH   SOLE 0 28,798 0 84
BRISTOL MYERS SQUIBB CO Com 110122108 384 6,375 SH   DFND 0 6,375 0 0
BROADRIDGE FINL SOLUTIONS INC Com 11133T103 5,748 43,545 SH   SOLE 0 43,032 0 513
BROADRIDGE FINL SOLUTIONS INC Com 11133T103 8 63 SH   DFND 0 63 0 0
BROADCOM INC Com 11135F101 14,010 38,454 SH   SOLE 0 38,054 0 400
BROADCOM INC Com 11135F101 70 192 SH   DFND 0 192 0 0
CARRIER GLOBAL CORP Com 14448C104 274 8,972 SH   SOLE 0 8,972 0 0
CARRIER GLOBAL CORP Com 14448C104 12 400 SH   DFND 0 400 0 0
CATERPILLAR INC Com 149123101 202 1,357 SH   SOLE 0 1,357 0 0
CENTENE CORP Com 15135B101 282 4,842 SH   SOLE 0 4,702 0 140
CERNER CORP Com 156782104 454 6,280 SH   SOLE 0 6,160 0 120
CHEVRON CORPORATION Com 166764100 577 8,019 SH   SOLE 0 8,019 0 0
CHEVRON CORPORATION Com 166764100 159 2,215 SH   DFND 0 2,215 0 0
CHURCH & DWIGHT CO INC Com 171340102 250 2,670 SH   SOLE 0 2,670 0 0
CHURCH & DWIGHT CO INC Com 171340102 30 320 SH   DFND 0 320 0 0
CISCO SYSTEMS INC Com 17275R102 11,209 284,575 SH   SOLE 0 282,512 0 2,063
CISCO SYSTEMS INC Com 17275R102 233 5,909 SH   DFND 0 5,909 0 0
CITIZENS FINANCIAL GROUP INC Com 174610105 2,542 100,571 SH   SOLE 0 100,571 0 0
CITIZENS FINANCIAL GROUP INC Com 174610105 6 250 SH   DFND 0 250 0 0
CLOROX Com 189054109 410 1,951 SH   SOLE 0 1,951 0 0
COCA COLA CO Com 191216100 1,466 29,691 SH   SOLE 0 29,071 0 620
COCA COLA CO Com 191216100 89 1,800 SH   DFND 0 1,800 0 0
COLGATE PALMOLIVE INC Com 194162103 545 7,059 SH   SOLE 0 7,059 0 0
COLGATE PALMOLIVE INC Com 194162103 4 53 SH   DFND 0 53 0 0
COMCAST CORP Com 20030N101 394 8,511 SH   SOLE 0 8,511 0 0
COMERICA INC Com 200340107 887 23,200 SH   SOLE 0 23,200 0 0
CONSOLIDATED EDISON INC Com 209115104 464 5,958 SH   SOLE 0 5,958 0 0
COSTCO WHOLESALE CORP Com 22160K105 911 2,565 SH   SOLE 0 2,565 0 0
CROWN CASTLE INTL CORP Com 22822V101 206 1,240 SH   SOLE 0 1,240 0 0
DANAHER CORP Com 235851102 1,448 6,725 SH   SOLE 0 6,725 0 0
DEERE & COMPANY Com 244199105 421 1,898 SH   SOLE 0 1,898 0 0
DEERE & COMPANY Com 244199105 11 50 SH   DFND 0 50 0 0
WALT DISNEY CO Com 254687106 1,803 14,533 SH   SOLE 0 14,533 0 0
WALT DISNEY CO Com 254687106 19 150 SH   DFND 0 150 0 0
DISCOVERY COMMUNICATIONS C Com 25470F302 2,456 125,329 SH   SOLE 0 125,329 0 0
DISCOVERY COMMUNICATIONS C Com 25470F302 3 170 SH   DFND 0 170 0 0
DOLLAR GENERAL CORP Com 256677105 9,411 44,895 SH   SOLE 0 44,895 0 0
DOLLAR GENERAL CORP Com 256677105 9 45 SH   DFND 0 45 0 0
DONALDSON CO INC Com 257651109 288 6,203 SH   SOLE 0 6,103 0 100
DUKE ENERGY CORP Com 26441C204 217 2,445 SH   SOLE 0 2,445 0 0
DUKE ENERGY CORP Com 26441C204 105 1,190 SH   DFND 0 1,190 0 0
EBAY INC Com 278642103 7,729 148,348 SH   SOLE 0 147,829 0 519
EBAY INC Com 278642103 20 381 SH   DFND 0 381 0 0
ECOLAB INC Com 278865100 1,024 5,126 SH   SOLE 0 5,126 0 0
ECOLAB INC Com 278865100 200 1,000 SH   DFND 0 1,000 0 0
EDWARDS LIFESCIENCES CORP Com 28176E108 2,094 26,237 SH   SOLE 0 26,237 0 0
EDWARDS LIFESCIENCES CORP Com 28176E108 18 225 SH   DFND 0 225 0 0
EMERSON ELECTRIC CO Com 291011104 4,607 70,257 SH   SOLE 0 69,857 0 400
EMERSON ELECTRIC CO Com 291011104 209 3,181 SH   DFND 0 3,181 0 0
ENTEGRIS INC Com 29362U104 327 4,400 SH   SOLE 0 4,400 0 0
ESSENTIAL UTILITIES INC Com 29670G102 1,772 44,028 SH   SOLE 0 43,728 0 300
ESSENTIAL UTILITIES INC Com 29670G102 78 1,950 SH   DFND 0 1,950 0 0
EVERGY INC Com 30034W106 4,634 91,187 SH   SOLE 0 89,902 0 1,285
EXELON CORP Com 30161N101 243 6,790 SH   SOLE 0 6,790 0 0
EXXON MOBIL CORP Com 30231G102 1,132 32,983 SH   SOLE 0 32,983 0 0
EXXON MOBIL CORP Com 30231G102 74 2,150 SH   DFND 0 2,150 0 0
FACEBOOK INC Com 30303M102 7,071 26,997 SH   SOLE 0 26,747 0 250
FACEBOOK INC Com 30303M102 202 773 SH   DFND 0 773 0 0
FEDEX CORP Com 31428X106 176 700 SH   SOLE 0 700 0 0
FEDEX CORP Com 31428X106 38 150 SH   DFND 0 150 0 0
FIRST TRUST GLOBAL WIND ENERGY ETF Com 33736G106 1,604 91,514 SH   SOLE 0 90,914 0 600
FIRST TRUST GLOBAL WIND ENERGY ETF Com 33736G106 21 1,200 SH   DFND 0 1,200 0 0
FLEXSHARES IBOXX 3 YR TGT TIPS ETF Com 33939L506 635 24,569 SH   SOLE 0 24,399 0 170
FLEXSHARES GLOBAL QUALITY REAL ESTATE ETF Com 33939L787 331 6,304 SH   SOLE 0 6,232 0 72
FLEXSHARES STOXX GLOBAL BROAD INFRA ETF Com 33939L795 1,235 24,771 SH   SOLE 0 24,446 0 325
FLEXSHARES QUALITY DIV DEFENSIVE ETF Com 33939L845 1,408 31,850 SH   SOLE 0 30,500 0 1,350
FLEXSHARES QUALITY DVD ETF Com 33939L860 17,076 382,451 SH   SOLE 0 377,812 0 4,639
FLEXSHARES QUALITY DVD ETF Com 33939L860 24 533 SH   DFND 0 533 0 0
GENERAL ELECTRIC CO Com 369604103 221 35,419 SH   SOLE 0 35,419 0 0
GENERAL ELECTRIC CO Com 369604103 15 2,456 SH   DFND 0 2,456 0 0
GENERAL MILLS INC Com 370334104 305 4,951 SH   SOLE 0 4,951 0 0
GENERAL MILLS INC Com 370334104 82 1,325 SH   DFND 0 1,325 0 0
GLAXO SMITHKLINE PLC SP ADR Com 37733W105 360 9,573 SH   SOLE 0 9,573 0 0
GOLDMAN SACHS ACTIVEBETA INTL EQUITY ETF Com 381430107 11,050 392,526 SH   SOLE 0 389,833 0 2,693
GOLDMAN SACHS ACTIVEBETA US LGE CAP EQ ETF Com 381430503 5,545 81,490 SH   SOLE 0 81,490 0 0
JACK HENRY & ASSOCIATES INC Com 426281101 375 2,305 SH   SOLE 0 2,305 0 0
HOLOGIC INC Com 436440101 615 9,250 SH   SOLE 0 9,080 0 170
HOME DEPOT INC Com 437076102 13,047 46,980 SH   SOLE 0 46,400 0 580
HOME DEPOT INC Com 437076102 221 797 SH   DFND 0 797 0 0
HONEYWELL INTL INC Com 438516106 1,158 7,032 SH   SOLE 0 7,032 0 0
HONEYWELL INTL INC Com 438516106 99 600 SH   DFND 0 600 0 0
IDEXX LABORATORIES INC Com 45168D104 395 1,005 SH   SOLE 0 1,005 0 0
ILLINOIS TOOL WORKS INC Com 452308109 407 2,109 SH   SOLE 0 2,109 0 0
ILLINOIS TOOL WORKS INC Com 452308109 590 3,056 SH   DFND 0 3,056 0 0
INGERSOLL RAND INC Com 45687V106 69 1,928 SH   SOLE 0 1,928 0 0
INGERSOLL RAND INC Com 45687V106 142 4,000 SH   DFND 0 4,000 0 0
INTEL CORP Com 458140100 16,973 327,793 SH   SOLE 0 325,188 0 2,605
INTEL CORP Com 458140100 618 11,938 SH   DFND 0 11,938 0 0
INTERCONTINENTAL EXCHANGE INC Com 45866F104 557 5,570 SH   SOLE 0 5,570 0 0
INTERNATIONAL BUSINESS MACHINES CORP Com 459200101 706 5,806 SH   SOLE 0 5,806 0 0
INTERNATIONAL BUSINESS MACHINES CORP Com 459200101 52 430 SH   DFND 0 430 0 0
INVESCO QQQ TRUST SERIES 1 ETF Com 46090E103 692 2,490 SH   SOLE 0 2,490 0 0
INVESCO WATER RESOURCES ETF Com 46137V142 631 15,890 SH   SOLE 0 15,540 0 350
INVESCO WATER RESOURCES ETF Com 46137V142 20 500 SH   DFND 0 500 0 0
INVESCO CLEANTECH ETF Com 46137V407 507 8,656 SH   SOLE 0 8,336 0 320
INVESCO CLEANTECH ETF Com 46137V407 25 425 SH   DFND 0 425 0 0
INVESCO KBW BANK PORT ETF Com 46138E628 1,556 41,508 SH   SOLE 0 41,508 0 0
INVESCO SOLAR ETF Com 46138G706 2,104 32,475 SH   SOLE 0 32,155 0 320
INVESCO SOLAR ETF Com 46138G706 32 500 SH   DFND 0 500 0 0
ISHARES CORE S&P TOTAL US STK MKT ETF Com 464287150 298 3,944 SH   SOLE 0 3,944 0 0
ISHARES SELECT DIVIDEND ETF Com 464287168 1,685 20,665 SH   SOLE 0 20,665 0 0
ISHARES CORE S&P 500 ETF Com 464287200 13,106 39,000 SH   SOLE 0 39,000 0 0
ISHARES CORE TOTAL AGGR US BOND ETF Com 464287226 390 3,300 SH   SOLE 0 3,300 0 0
ISHARES IBOXX INV GRADE CORP BD ETF Com 464287242 411 3,050 SH   SOLE 0 3,050 0 0
ISHARES MSCI EAFE INDEX ETF Com 464287465 3,056 48,018 SH   SOLE 0 48,018 0 0
ISHARES MSCI EAFE INDEX ETF Com 464287465 70 1,100 SH   DFND 0 1,100 0 0
ISHARES CORE S&P MIDCAP ETF Com 464287507 1,465 7,904 SH   SOLE 0 7,904 0 0
ISHARES RUSSELL 1000 GROWTH ETF Com 464287614 390 1,796 SH   SOLE 0 1,796 0 0
ISHARES RUSSELL 2000 ETF Com 464287655 278 1,858 SH   SOLE 0 1,858 0 0
ISHARES RUSSELL 3000 ETF Com 464287689 1,431 7,310 SH   SOLE 0 7,310 0 0
ISHARES CORE S&P SMALL CAP ETF Com 464287804 732 10,417 SH   SOLE 0 10,417 0 0
ISHARES MSCI EAFE GROWTH ETF Com 464288885 207 2,300 SH   SOLE 0 2,300 0 0
ISHARES MSCI EAFE MIN VOL FACTOR ETF Com 46429B689 1,987 29,160 SH   SOLE 0 28,910 0 250
ISHARES EDGE MSCI MIN VOL USA ETF Com 46429B697 259 4,059 SH   SOLE 0 4,059 0 0
ISHARES EDGE MSCI USA QUAL FACT ETF Com 46432F339 3,664 35,323 SH   SOLE 0 35,116 0 207
ISHARES CORE MSCI EAFE ETF Com 46432F842 19,228 318,974 SH   SOLE 0 317,552 0 1,422
ISHARES CORE MSCI EAFE ETF Com 46432F842 68 1,132 SH   DFND 0 1,132 0 0
ISHARES ESG AWARE MSCI EM ETF Com 46434G863 4,877 136,956 SH   SOLE 0 136,956 0 0
ISHARES CORE DIVIDEND GROWTH ETF Com 46434V621 17,285 434,418 SH   SOLE 0 433,418 0 1,000
ITRON INC Com 465741106 410 6,745 SH   SOLE 0 6,615 0 130
JP MORGAN CHASE & CO Com 46625H100 8,435 87,621 SH   SOLE 0 87,154 0 467
JP MORGAN CHASE & CO Com 46625H100 28 286 SH   DFND 0 286 0 0
JOHNSON & JOHNSON CO Com 478160104 9,051 60,796 SH   SOLE 0 60,421 0 375
JOHNSON & JOHNSON CO Com 478160104 640 4,300 SH   DFND 0 4,300 0 0
KELLOGG CO Com 487836108 357 5,520 SH   SOLE 0 5,520 0 0
KEYCORP NEW Com 493267108 909 76,197 SH   SOLE 0 75,917 0 280
KEYCORP NEW Com 493267108 21 1,800 SH   DFND 0 1,800 0 0
KIMBERLY-CLARK CORP Com 494368103 7,140 48,352 SH   SOLE 0 48,352 0 0
KIMBERLY-CLARK CORP Com 494368103 334 2,260 SH   DFND 0 2,260 0 0
KROGER CO Com 501044101 7,569 223,205 SH   SOLE 0 220,490 0 2,715
ELI LILLY & CO Com 532457108 512 3,459 SH   SOLE 0 3,459 0 0
ELI LILLY & CO Com 532457108 98 664 SH   DFND 0 664 0 0
LINCOLN ELECTRIC HOLDINGS Com 533900106 4,946 53,740 SH   SOLE 0 53,263 0 477
LOWES COMPANIES INC Com 548661107 9,524 57,421 SH   SOLE 0 57,421 0 0
MSA SAFETY INC Com 553498106 590 4,400 SH   SOLE 0 4,400 0 0
MARKEL CORP Com 570535104 314 322 SH   SOLE 0 322 0 0
MARRIOTT INTERNATIONAL INC Com 571903202 519 5,608 SH   SOLE 0 5,608 0 0
MASTERCARD INC CL A Com 57636Q104 1,862 5,506 SH   SOLE 0 5,136 0 370
MASTERCARD INC CL A Com 57636Q104 34 100 SH   DFND 0 100 0 0
MCDONALDS CORP Com 580135101 836 3,809 SH   SOLE 0 3,809 0 0
MCDONALDS CORP Com 580135101 190 865 SH   DFND 0 865 0 0
MEDICAL PROPERTIES TRUST INC Com 58463J304 311 17,617 SH   SOLE 0 17,353 0 264
MERCK & CO INC Com 58933Y105 7,053 85,022 SH   SOLE 0 84,963 0 59
MERCK & CO INC Com 58933Y105 183 2,207 SH   DFND 0 2,207 0 0
METLIFE INC Com 59156R108 3,206 86,249 SH   SOLE 0 86,249 0 0
MICROSOFT CORP Com 594918104 33,920 161,270 SH   SOLE 0 159,731 0 1,539
MICROSOFT CORP Com 594918104 1,075 5,113 SH   DFND 0 5,113 0 0
MONDELEZ INTERNATIONAL INC A Com 609207105 612 10,650 SH   SOLE 0 10,650 0 0
MONDELEZ INTERNATIONAL INC A Com 609207105 46 800 SH   DFND 0 800 0 0
NASDAQ INC Com 631103108 217 1,767 SH   SOLE 0 1,767 0 0
NASDAQ INC Com 631103108 74 600 SH   DFND 0 600 0 0
NEXTERA ENERGY INC Com 65339F101 3,800 13,692 SH   SOLE 0 13,692 0 0
NICE LTD SPON ADR Com 653656108 222 980 SH   SOLE 0 980 0 0
NIKE INC CLASS B Com 654106103 3,239 25,802 SH   SOLE 0 25,802 0 0
NORFOLK SOUTHERN CORP Com 655844108 336 1,569 SH   SOLE 0 1,569 0 0
NORFOLK SOUTHERN CORP Com 655844108 21 100 SH   DFND 0 100 0 0
NOVARTIS AG ADR Com 66987V109 4,415 50,769 SH   SOLE 0 49,769 0 1,000
NOVARTIS AG ADR Com 66987V109 67 767 SH   DFND 0 767 0 0
NUANCE COMMUNICATIONS INC Com 67020Y100 320 9,647 SH   SOLE 0 9,167 0 480
NUVEEN MUNICIPAL INCOME FUND Com 67062J102 376 31,595 SH   DFND 0 31,595 0 0
NVIDIA CORP Com 67066G104 275 508 SH   SOLE 0 508 0 0
NUVEEN MUNI VALUE FDS INC Com 670928100 21 2,000 SH   SOLE 0 2,000 0 0
NUVEEN MUNI VALUE FDS INC Com 670928100 414 38,870 SH   DFND 0 38,870 0 0
ORACLE CORPORATION Com 68389X105 10,466 175,305 SH   SOLE 0 174,108 0 1,197
ORACLE CORPORATION Com 68389X105 23 389 SH   DFND 0 389 0 0
PPG INDUSTRIES Com 693506107 208 1,700 SH   SOLE 0 1,700 0 0
PPG INDUSTRIES Com 693506107 43 350 SH   DFND 0 350 0 0
PPL CORP Com 69351T106 324 11,910 SH   SOLE 0 11,910 0 0
PPL CORP Com 69351T106 30 1,100 SH   DFND 0 1,100 0 0
PEPSICO INC Com 713448108 7,488 54,027 SH   SOLE 0 54,027 0 0
PEPSICO INC Com 713448108 603 4,348 SH   DFND 0 4,348 0 0
PFIZER INC Com 717081103 12,382 337,387 SH   SOLE 0 335,169 0 2,218
PFIZER INC Com 717081103 602 16,392 SH   DFND 0 16,392 0 0
PHILIP MORRIS INTERNATIONAL INC Com 718172109 1,082 14,434 SH   SOLE 0 14,434 0 0
PHILIP MORRIS INTERNATIONAL INC Com 718172109 35 463 SH   DFND 0 463 0 0
PROCTER & GAMBLE CO Com 742718109 10,731 77,209 SH   SOLE 0 77,009 0 200
PROCTER & GAMBLE CO Com 742718109 672 4,832 SH   DFND 0 4,832 0 0
PUBLIC SERVICE ENTERPRISE GROUP Com 744573106 10,819 197,033 SH   SOLE 0 195,377 0 1,656
RAYTHEON TECHNOLOGIES CORP Com 75513E101 1,257 21,843 SH   SOLE 0 21,843 0 0
RAYTHEON TECHNOLOGIES CORP Com 75513E101 23 400 SH   DFND 0 400 0 0
REGENERON PHARMACEUTICALS INC Com 75886F107 1,081 1,931 SH   SOLE 0 1,931 0 0
ROPER TECHNOLOGIES, INC Com 776696106 369 935 SH   SOLE 0 935 0 0
ROYAL DUTCH SHELL PLC ADR A Com 780259206 2,323 92,295 SH   SOLE 0 92,295 0 0
ROYAL DUTCH SHELL PLC ADR A Com 780259206 61 2,428 SH   DFND 0 2,428 0 0
SPDR S&P500 ETF Com 78462F103 5,475 16,348 SH   SOLE 0 16,348 0 0
SPDR GOLD SHARES ETF Com 78463V107 283 1,600 SH   SOLE 0 1,600 0 0
SPDR S&P DIVIDEND ETF Com 78464A763 4,434 47,992 SH   SOLE 0 47,992 0 0
SPDR S&P MIDCAP 400 ETF TRUST Com 78467Y107 201 594 SH   SOLE 0 594 0 0
SALESFORCE.COM INC Com 79466L302 321 1,277 SH   SOLE 0 1,277 0 0
SANOFI ADR Com 80105N105 3,416 68,091 SH   SOLE 0 68,091 0 0
SANOFI ADR Com 80105N105 34 671 SH   DFND 0 671 0 0
CHARLES SCHWAB CORP Com 808513105 5,918 163,335 SH   SOLE 0 162,285 0 1,050
CHARLES SCHWAB CORP Com 808513105 31 845 SH   DFND 0 845 0 0
SCHWAB US MID CAP ETF Com 808524508 362 6,522 SH   SOLE 0 6,522 0 0
SCHWAB US SMALL CAP ETF Com 808524607 242 3,538 SH   SOLE 0 3,538 0 0
SCHWAB EMERGING MKTS EQUITY ETF Com 808524706 268 10,000 SH   SOLE 0 10,000 0 0
MATERIALS SELECT SECTOR SPDR ETF Com 81369Y100 266 4,185 SH   SOLE 0 4,185 0 0
HEALTH CARE SEL SECT SPDR ETF Com 81369Y209 1,831 17,355 SH   SOLE 0 17,355 0 0
CONSUMER STAPLES SELECT SECTOR SPDR ETF Com 81369Y308 12,285 191,660 SH   SOLE 0 189,865 0 1,795
CONSUMER STAPLES SELECT SECTOR SPDR ETF Com 81369Y308 79 1,240 SH   DFND 0 1,240 0 0
CONSUMER DISC SELECT SECTOR SPDR ETF Com 81369Y407 3,845 26,159 SH   SOLE 0 26,159 0 0
CONSUMER DISC SELECT SECTOR SPDR ETF Com 81369Y407 57 391 SH   DFND 0 391 0 0
FINANCIAL SELECT SECTOR SPDR ETF Com 81369Y605 534 22,169 SH   SOLE 0 22,169 0 0
INDUSTRIAL SELECT SECTOR SPDR ETF Com 81369Y704 634 8,236 SH   SOLE 0 8,236 0 0
TECHNOLOGY SELECT SECT SPDR ETF Com 81369Y803 4,306 36,901 SH   SOLE 0 36,901 0 0
SEMPRA ENERGY Com 816851109 336 2,840 SH   SOLE 0 2,840 0 0
SEMPRA ENERGY Com 816851109 24 200 SH   DFND 0 200 0 0
SKYWORKS SOLUTIONS INC Com 83088M102 4,999 34,359 SH   SOLE 0 33,939 0 420
SKYWORKS SOLUTIONS INC Com 83088M102 4 28 SH   DFND 0 28 0 0
SPROTT PHYSICAL GOLD TRUST ETF Com 85207H104 183 12,131 SH   SOLE 0 12,131 0 0
STARBUCKS CORP Com 855244109 6,535 76,063 SH   SOLE 0 75,666 0 397
STARBUCKS CORP Com 855244109 40 471 SH   DFND 0 471 0 0
STRYKER CORP Com 863667101 4,905 23,539 SH   SOLE 0 23,339 0 200
SYSCO CORPORATION Com 871829107 64 1,034 SH   SOLE 0 1,034 0 0
SYSCO CORPORATION Com 871829107 249 4,000 SH   DFND 0 4,000 0 0
TJX COMPANIES INC Com 872540109 7,383 132,661 SH   SOLE 0 129,895 0 2,766
TJX COMPANIES INC Com 872540109 34 610 SH   DFND 0 610 0 0
TAIWAN SEMICONDUCTOR MANUFACTURING ADR Com 874039100 385 4,750 SH   SOLE 0 4,750 0 0
TAIWAN SEMICONDUCTOR MANUFACTURING ADR Com 874039100 81 1,000 SH   DFND 0 1,000 0 0
TARGET CORP Com 87612E106 7,695 48,881 SH   SOLE 0 48,881 0 0
TARGET CORP Com 87612E106 279 1,775 SH   DFND 0 1,775 0 0
TETRA TECH INC Com 88162G103 364 3,808 SH   SOLE 0 3,808 0 0
TEXAS INSTRUMENTS INC Com 882508104 6,621 46,372 SH   SOLE 0 46,372 0 0
TEXAS INSTRUMENTS INC Com 882508104 139 970 SH   DFND 0 970 0 0
THERMO FISHER SCIENTIFIC Com 883556102 1,601 3,626 SH   SOLE 0 3,626 0 0
3M CO Com 88579Y101 1,844 11,511 SH   SOLE 0 11,511 0 0
3M CO Com 88579Y101 24 150 SH   DFND 0 150 0 0
TRAVELERS COS INC Com 89417E109 333 3,081 SH   SOLE 0 3,081 0 0
TRUIST FINANCIAL CORP Com 89832Q109 8,642 227,115 SH   SOLE 0 226,468 0 647
TRUIST FINANCIAL CORP Com 89832Q109 139 3,664 SH   DFND 0 3,664 0 0
UNILEVER PLC SPON ADR Com 904767704 439 7,120 SH   SOLE 0 7,120 0 0
UNION PACIFIC CORP Com 907818108 1,898 9,639 SH   SOLE 0 9,639 0 0
UNION PACIFIC CORP Com 907818108 177 900 SH   DFND 0 900 0 0
UNITED PARCEL SERVICE INC Com 911312106 325 1,951 SH   SOLE 0 1,951 0 0
UNITED PARCEL SERVICE INC Com 911312106 117 700 SH   DFND 0 700 0 0
UNITEDHEALTH GROUP INC Com 91324P102 8,165 26,190 SH   SOLE 0 25,803 0 387
UNITEDHEALTH GROUP INC Com 91324P102 40 129 SH   DFND 0 129 0 0
VANECK VECTORS LOW CARBON ENERGY ETF Com 92189F502 395 3,595 SH   SOLE 0 3,595 0 0
VANGUARD DIVIDEND APPREC ETF Com 921908844 10,373 80,620 SH   SOLE 0 80,620 0 0
VANGUARD ESG INTL STOCK ETF Com 921910725 807 15,646 SH   SOLE 0 15,489 0 157
VANGUARD HIGH DIVIDEND YIELD ETF Com 921946406 2,018 24,937 SH   SOLE 0 24,937 0 0
VANGUARD SHORT TERM TIPS ETF Com 922020805 3,277 64,234 SH   SOLE 0 64,234 0 0
VANGUARD FTSE EMERGING MARKETS ETF Com 922042858 457 10,576 SH   SOLE 0 10,576 0 0
VANGUARD FTSE EMERGING MARKETS ETF Com 922042858 9 200 SH   DFND 0 200 0 0
VANGUARD FTSE PACIFIC ETF Com 922042866 4,134 60,754 SH   SOLE 0 60,754 0 0
VANGUARD FTSE PACIFIC ETF Com 922042866 6 83 SH   DFND 0 83 0 0
VANGUARD FTSE EUROPE ETF Com 922042874 4,830 92,120 SH   SOLE 0 92,120 0 0
VANGUARD FTSE EUROPE ETF Com 922042874 2 45 SH   DFND 0 45 0 0
VANGUARD FINANCIALS ETF Com 92204A405 235 4,015 SH   SOLE 0 4,015 0 0
VANGUARD HEALTH CARE ETF Com 92204A504 287 1,408 SH   SOLE 0 1,408 0 0
VANGUARD INDUSTRIALS ETF Com 92204A603 5,930 40,962 SH   SOLE 0 40,344 0 618
VANGUARD INDUSTRIALS ETF Com 92204A603 7 46 SH   DFND 0 46 0 0
VANGUARD INFO TECH ETF Com 92204A702 1,131 3,631 SH   SOLE 0 3,631 0 0
VANGUARD INFO TECH ETF Com 92204A702 17 55 SH   DFND 0 55 0 0
VANGUARD MID CAP VALUE ETF Com 922908512 6,413 63,259 SH   SOLE 0 62,549 0 710
VANGUARD MID CAP VALUE ETF Com 922908512 49 485 SH   DFND 0 485 0 0
VANGUARD MID CAP GROWTH ETF Com 922908538 6,975 38,718 SH   SOLE 0 38,141 0 577
VANGUARD MID CAP GROWTH ETF Com 922908538 111 617 SH   DFND 0 617 0 0
VANGUARD REIT INDEX ETF Com 922908553 2,217 28,077 SH   SOLE 0 27,822 0 255
VANGUARD REIT INDEX ETF Com 922908553 162 2,055 SH   DFND 0 2,055 0 0
VANGUARD MID CAP ETF Com 922908629 287 1,627 SH   SOLE 0 1,627 0 0
VANGUARD LARGE CAP ETF Com 922908637 12,651 80,867 SH   SOLE 0 80,867 0 0
VANGUARD GROWTH ETF Com 922908736 205 900 SH   SOLE 0 900 0 0
VANGUARD TOTAL STOCK MKT ETF Com 922908769 11,643 68,361 SH   SOLE 0 68,361 0 0
VERIZON COMMUNICATIONS Com 92343V104 6,061 101,877 SH   SOLE 0 101,877 0 0
VERIZON COMMUNICATIONS Com 92343V104 448 7,533 SH   DFND 0 7,533 0 0
VISA INC Com 92826C839 11,734 58,681 SH   SOLE 0 58,331 0 350
VISA INC Com 92826C839 156 779 SH   DFND 0 779 0 0
WALMART STORES INC Com 931142103 2,113 15,099 SH   SOLE 0 15,099 0 0
WALMART STORES INC Com 931142103 243 1,739 SH   DFND 0 1,739 0 0
WASTE MANAGEMENT Com 94106L109 265 2,346 SH   SOLE 0 2,346 0 0
WATERS CORP Com 941848103 281 1,437 SH   SOLE 0 1,407 0 30
WATTS WATER TECHNOLOGIES-A Com 942749102 705 7,041 SH   SOLE 0 6,931 0 110
XYLEM INC Com 98419M100 542 6,444 SH   SOLE 0 6,359 0 85
ZOOM VIDEO COMMUNICATIONS Com 98980L101 212 450 SH   SOLE 0 450 0 0
ACCENTURE PLC Com G1151C101 8,649 38,273 SH   SOLE 0 37,734 0 539
EATON CORP PLC Com G29183103 6,032 59,123 SH   SOLE 0 58,390 0 733
EATON CORP PLC Com G29183103 35 340 SH   DFND 0 340 0 0
JOHNSON CONTROLS INTERNATIONAL PLC Com G51502105 2,207 54,015 SH   SOLE 0 53,865 0 150
LINDE PLC Com G5494J103 684 2,871 SH   SOLE 0 2,871 0 0
LINDE PLC Com G5494J103 54 225 SH   DFND 0 225 0 0
MEDTRONIC PLC Com G5960L103 8,035 77,319 SH   SOLE 0 76,724 0 595
MEDTRONIC PLC Com G5960L103 15 143 SH   DFND 0 143 0 0
SENSATA TECHNOLOGIES HOLDING PLC Com G8060N102 251 5,816 SH   SOLE 0 5,666 0 150
TRANE TECHNOLOGIES PUBLIC LTD CO Com G8994E103 265 2,187 SH   SOLE 0 2,187 0 0
TRANE TECHNOLOGIES PUBLIC LTD CO Com G8994E103 606 5,000 SH   DFND 0 5,000 0 0
CHUBB LTD Com H1467J104 17 148 SH   SOLE 0 148 0 0
CHUBB LTD Com H1467J104 465 4,007 SH   DFND 0 4,007 0 0