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
AT&T INC Com 00206R102 1,008 42,674 SH   SOLE 0 42,674 0 0
AT&T INC Com 00206R102 323 13,663 SH   DFND 0 13,663 0 0
ABBOTT LABORATORIES Com 002824100 2,471 20,878 SH   SOLE 0 20,762 0 116
ABBOTT LABORATORIES Com 002824100 102 866 SH   DFND 0 866 0 0
ABBVIE INC Com 00287Y109 3,056 18,852 SH   SOLE 0 18,852 0 0
ABBVIE INC Com 00287Y109 108 666 SH   DFND 0 666 0 0
ADOBE INC Com 00724F101 7,004 15,373 SH   SOLE 0 15,117 0 256
ADVANCED ENERGY INDUSTRIES INC Com 007973100 463 5,373 SH   SOLE 0 5,300 0 73
AIR PRODUCTS & CHEMICALS INC Com 009158106 355 1,422 SH   SOLE 0 1,422 0 0
ALPHABET INC CL C Com 02079K107 9,736 3,486 SH   SOLE 0 3,451 0 35
ALPHABET INC CL C Com 02079K107 131 47 SH   DFND 0 47 0 0
ALPHABET INC CL A Com 02079K305 17,397 6,255 SH   SOLE 0 6,181 0 74
ALPHABET INC CL A Com 02079K305 131 47 SH   DFND 0 47 0 0
ALTRIA GROUP INC Com 02209S103 481 9,198 SH   SOLE 0 9,198 0 0
AMAZON COM INC Com 023135106 22,735 6,974 SH   SOLE 0 6,917 0 57
AMAZON COM INC Com 023135106 293 90 SH   DFND 0 90 0 0
AMEREN CORP Com 023608102 443 4,720 SH   SOLE 0 4,720 0 0
AMERICAN EXPRESS CO Com 025816109 1,090 5,830 SH   SOLE 0 5,830 0 0
AMERICAN NATIONAL BANKSHARES INC Com 027745108 376 9,984 SH   SOLE 0 9,984 0 0
AMERICAN TOWER CORP Com 03027X100 2,012 8,007 SH   SOLE 0 7,863 0 144
AMERICAN WATER WORKS CO INC Com 030420103 294 1,775 SH   SOLE 0 1,775 0 0
AMERICAN WATER WORKS CO INC Com 030420103 66 400 SH   DFND 0 400 0 0
AMGEN INC Com 031162100 7,359 30,432 SH   SOLE 0 30,432 0 0
AMGEN INC Com 031162100 753 3,113 SH   DFND 0 3,113 0 0
ANALOG DEVICES INC Com 032654105 573 3,467 SH   SOLE 0 3,467 0 0
APPLE INC Com 037833100 58,115 332,826 SH   SOLE 0 329,461 0 3,365
APPLE INC Com 037833100 654 3,748 SH   DFND 0 3,748 0 0
APPLIED MATERIALS INC Com 038222105 1,002 7,600 SH   SOLE 0 7,600 0 0
AUTOMATIC DATA PROCESSING INC Com 053015103 1,646 7,232 SH   SOLE 0 7,184 0 48
AUTOMATIC DATA PROCESSING INC Com 053015103 855 3,758 SH   DFND 0 3,758 0 0
AUTOZONE INC Com 053332102 286 140 SH   SOLE 0 140 0 0
BANK OF AMERICA CORP Com 060505104 476 11,554 SH   SOLE 0 11,554 0 0
BANK OF AMERICA CORP Com 060505104 62 1,500 SH   DFND 0 1,500 0 0
BAXTER INTERNATIONAL INC Com 071813109 268 3,456 SH   SOLE 0 3,456 0 0
BECTON DICKINSON & CO Com 075887109 235 884 SH   SOLE 0 884 0 0
BECTON DICKINSON & CO Com 075887109 27 100 SH   DFND 0 100 0 0
BERKSHIRE HATHAWAY INC B Com 084670702 15,095 42,774 SH   SOLE 0 42,228 0 546
BERKSHIRE HATHAWAY INC B Com 084670702 79 225 SH   DFND 0 225 0 0
BEST BUY Com 086516101 6,393 70,333 SH   SOLE 0 70,333 0 0
BLACKROCK INC Com 09247X101 805 1,054 SH   SOLE 0 1,045 0 9
BOOKING HOLDINGS INC Com 09857L108 228 97 SH   SOLE 0 97 0 0
BRISTOL MYERS SQUIBB CO Com 110122108 2,025 27,734 SH   SOLE 0 27,600 0 134
BRISTOL MYERS SQUIBB CO Com 110122108 461 6,315 SH   DFND 0 6,315 0 0
BRITISH AMERICAN TOBACCO PLC Com 110448107 234 5,555 SH   SOLE 0 5,555 0 0
BROADRIDGE FINL SOLUTIONS INC Com 11133T103 6,410 41,168 SH   SOLE 0 40,428 0 740
BROADRIDGE FINL SOLUTIONS INC Com 11133T103 10 63 SH   DFND 0 63 0 0
BROADCOM INC Com 11135F101 20,713 32,895 SH   SOLE 0 32,475 0 420
BROADCOM INC Com 11135F101 172 273 SH   DFND 0 273 0 0
CVS HEALTH CORPORATION Com 126650100 170 1,682 SH   SOLE 0 1,682 0 0
CVS HEALTH CORPORATION Com 126650100 101 1,000 SH   DFND 0 1,000 0 0
CARRIER GLOBAL CORP Com 14448C104 500 10,898 SH   SOLE 0 10,898 0 0
CARRIER GLOBAL CORP Com 14448C104 14 300 SH   DFND 0 300 0 0
CATERPILLAR INC Com 149123101 322 1,447 SH   SOLE 0 1,447 0 0
CENTENE CORP Com 15135B101 432 5,133 SH   SOLE 0 4,993 0 140
CERNER CORP Com 156782104 7,372 78,790 SH   SOLE 0 77,870 0 920
CHEVRON CORPORATION Com 166764100 1,009 6,196 SH   SOLE 0 6,196 0 0
CHEVRON CORPORATION Com 166764100 376 2,307 SH   DFND 0 2,307 0 0
CISCO SYSTEMS INC Com 17275R102 15,593 279,644 SH   SOLE 0 276,723 0 2,921
CISCO SYSTEMS INC Com 17275R102 299 5,364 SH   DFND 0 5,364 0 0
CITIZENS FINANCIAL GROUP INC Com 174610105 4,868 107,386 SH   SOLE 0 107,386 0 0
CITIZENS FINANCIAL GROUP INC Com 174610105 11 250 SH   DFND 0 250 0 0
COCA COLA CO Com 191216100 888 14,317 SH   SOLE 0 14,317 0 0
COCA COLA CO Com 191216100 124 2,000 SH   DFND 0 2,000 0 0
COMCAST CORP Com 20030N101 10,125 216,264 SH   SOLE 0 214,784 0 1,480
COMCAST CORP Com 20030N101 6 125 SH   DFND 0 125 0 0
COMERICA INC Com 200340107 1,840 20,350 SH   SOLE 0 20,350 0 0
CONSOLIDATED EDISON INC Com 209115104 561 5,925 SH   SOLE 0 5,925 0 0
COSTCO WHOLESALE CORP Com 22160K105 1,391 2,415 SH   SOLE 0 2,415 0 0
COUPANG INC Com 22266T109 11,863 671,008 SH   SOLE 0 671,008 0 0
DXC TECHNOLOGY CO Com 23355L106 925 28,347 SH   SOLE 0 28,113 0 234
DANAHER CORP Com 235851102 1,646 5,610 SH   SOLE 0 5,610 0 0
DANAHER CORP Com 235851102 13 46 SH   DFND 0 46 0 0
DEERE & COMPANY Com 244199105 523 1,259 SH   SOLE 0 1,259 0 0
DEERE & COMPANY Com 244199105 21 50 SH   DFND 0 50 0 0
WALT DISNEY CO Com 254687106 1,092 7,964 SH   SOLE 0 7,964 0 0
WALT DISNEY CO Com 254687106 17 125 SH   DFND 0 125 0 0
DOLLAR GENERAL CORP Com 256677105 9,194 41,297 SH   SOLE 0 41,152 0 145
DUKE ENERGY CORP Com 26441C204 188 1,684 SH   SOLE 0 1,684 0 0
DUKE ENERGY CORP Com 26441C204 133 1,190 SH   DFND 0 1,190 0 0
EBAY INC Com 278642103 7,564 132,102 SH   SOLE 0 131,142 0 960
EBAY INC Com 278642103 15 262 SH   DFND 0 262 0 0
ECOLAB INC Com 278865100 282 1,595 SH   SOLE 0 1,595 0 0
EDWARDS LIFESCIENCES CORP Com 28176E108 2,722 23,119 SH   SOLE 0 23,119 0 0
EDWARDS LIFESCIENCES CORP Com 28176E108 6 50 SH   DFND 0 50 0 0
EMERSON ELECTRIC CO Com 291011104 7,435 75,832 SH   SOLE 0 75,232 0 600
EMERSON ELECTRIC CO Com 291011104 292 2,981 SH   DFND 0 2,981 0 0
ENBRIDGE INC Com 29250N105 311 6,752 SH   SOLE 0 6,752 0 0
ENBRIDGE INC Com 29250N105 11 233 SH   DFND 0 233 0 0
ENERGY TRANSFER LP Com 29273V100 413 36,902 SH   SOLE 0 36,902 0 0
ENTEGRIS INC Com 29362U104 315 2,400 SH   SOLE 0 2,400 0 0
ENTERPRISE PRODUCTS PRTN LP Com 293792107 203 7,884 SH   SOLE 0 7,884 0 0
ESSENTIAL UTILITIES INC Com 29670G102 1,854 36,257 SH   SOLE 0 35,957 0 300
ESSENTIAL UTILITIES INC Com 29670G102 125 2,450 SH   DFND 0 2,450 0 0
EVERGY INC Com 30034W106 6,002 87,824 SH   SOLE 0 86,824 0 1,000
EVERGY INC Com 30034W106 51 750 SH   DFND 0 750 0 0
EXELON CORP Com 30161N101 311 6,520 SH   SOLE 0 6,520 0 0
EXXON MOBIL CORP Com 30231G102 2,246 27,196 SH   SOLE 0 27,196 0 0
EXXON MOBIL CORP Com 30231G102 64 775 SH   DFND 0 775 0 0
META PLATFORMS INC Com 30303M102 4,675 21,023 SH   SOLE 0 20,859 0 164
META PLATFORMS INC Com 30303M102 145 650 SH   DFND 0 650 0 0
FEDERATED HERMES INC Com 314211103 10,227 300,258 SH   SOLE 0 297,061 0 3,197
FEDERATED HERMES INC Com 314211103 40 1,170 SH   DFND 0 1,170 0 0
FEDEX CORP Com 31428X106 5,772 24,947 SH   SOLE 0 24,511 0 436
FEDEX CORP Com 31428X106 46 200 SH   DFND 0 200 0 0
FIRST TRUST GLOBAL WIND ENERGY ETF Com 33736G106 2,137 108,219 SH   SOLE 0 107,619 0 600
FIRST TRUST GLOBAL WIND ENERGY ETF Com 33736G106 24 1,200 SH   DFND 0 1,200 0 0
FLEXSHARES IBOXX 3 YR TGT TIPS ETF Com 33939L506 483 18,638 SH   SOLE 0 18,638 0 0
FLEXSHARES GLOBAL QUALITY REAL ESTATE ETF Com 33939L787 315 4,481 SH   SOLE 0 4,481 0 0
FLEXSHARES STOXX GLOBAL BROAD INFRA ETF Com 33939L795 1,097 19,113 SH   SOLE 0 18,788 0 325
FLEXSHARES QUALITY DIV DEFENSIVE ETF Com 33939L845 490 8,675 SH   SOLE 0 8,675 0 0
FLEXSHARES QUALITY DVD ETF Com 33939L860 10,878 183,495 SH   SOLE 0 181,745 0 1,750
FORD MOTOR CO Com 345370860 196 11,602 SH   SOLE 0 11,602 0 0
FORD MOTOR CO Com 345370860 3 150 SH   DFND 0 150 0 0
FULTON FINANCIAL CORP Com 360271100 171 10,300 SH   SOLE 0 10,300 0 0
GENERAL DYNAMICS CORP Com 369550108 27 111 SH   SOLE 0 111 0 0
GENERAL DYNAMICS CORP Com 369550108 226 935 SH   DFND 0 935 0 0
GENERAL ELECTRIC CO Com 369604301 218 2,385 SH   SOLE 0 2,385 0 0
GENERAL ELECTRIC CO Com 369604301 28 307 SH   DFND 0 307 0 0
GENERAL MILLS INC Com 370334104 123 1,812 SH   SOLE 0 1,812 0 0
GENERAL MILLS INC Com 370334104 90 1,325 SH   DFND 0 1,325 0 0
GENERAL MOTORS CO Com 37045V100 603 13,792 SH   SOLE 0 13,792 0 0
GENERAL MOTORS CO Com 37045V100 2 50 SH   DFND 0 50 0 0
GLAXO SMITHKLINE PLC SP ADR Com 37733W105 401 9,201 SH   SOLE 0 9,201 0 0
GOLDMAN SACHS ACTIVEBETA INTL EQUITY ETF Com 381430107 22,857 698,341 SH   SOLE 0 689,519 0 8,822
GOLDMAN SACHS ACTIVEBETA INTL EQUITY ETF Com 381430107 20 601 SH   DFND 0 601 0 0
GOLDMAN SACHS ACTIVEBETA US LGE CAP EQ ETF Com 381430503 6,660 74,800 SH   SOLE 0 72,850 0 1,950
GOLDMAN SACHS ACTIVEBETA US LGE CAP EQ ETF Com 381430503 29 328 SH   DFND 0 328 0 0
JACK HENRY & ASSOCIATES INC Com 426281101 395 2,005 SH   SOLE 0 2,005 0 0
HERSHEY COMPANY Com 427866108 238 1,100 SH   SOLE 0 1,100 0 0
HOLOGIC INC Com 436440101 782 10,176 SH   SOLE 0 10,006 0 170
HOME DEPOT INC Com 437076102 11,978 40,017 SH   SOLE 0 39,444 0 573
HOME DEPOT INC Com 437076102 202 675 SH   DFND 0 675 0 0
HONEYWELL INTL INC Com 438516106 1,152 5,920 SH   SOLE 0 5,920 0 0
HONEYWELL INTL INC Com 438516106 117 600 SH   DFND 0 600 0 0
IDEXX LABORATORIES INC Com 45168D104 82 150 SH   SOLE 0 150 0 0
IDEXX LABORATORIES INC Com 45168D104 213 390 SH   DFND 0 390 0 0
ILLINOIS TOOL WORKS INC Com 452308109 330 1,575 SH   SOLE 0 1,519 0 56
ILLINOIS TOOL WORKS INC Com 452308109 628 3,000 SH   DFND 0 3,000 0 0
INGERSOLL RAND INC Com 45687V106 93 1,843 SH   SOLE 0 1,843 0 0
INGERSOLL RAND INC Com 45687V106 201 4,000 SH   DFND 0 4,000 0 0
INTEL CORP Com 458140100 15,765 318,108 SH   SOLE 0 315,966 0 2,142
INTEL CORP Com 458140100 629 12,695 SH   DFND 0 12,695 0 0
INTERNATIONAL BUSINESS MACHINES CORP Com 459200101 1,082 8,325 SH   SOLE 0 8,325 0 0
INTERNATIONAL BUSINESS MACHINES CORP Com 459200101 26 200 SH   DFND 0 200 0 0
INVESCO QQQ TRUST SERIES 1 ETF Com 46090E103 551 1,521 SH   SOLE 0 1,521 0 0
INVESCO WATER RESOURCES ETF Com 46137V142 1,301 24,529 SH   SOLE 0 24,179 0 350
INVESCO WATER RESOURCES ETF Com 46137V142 27 500 SH   DFND 0 500 0 0
INVESCO MSCI SUSTAINABLE FUTURE ETF Com 46137V407 853 13,880 SH   SOLE 0 13,560 0 320
INVESCO MSCI SUSTAINABLE FUTURE ETF Com 46137V407 26 425 SH   DFND 0 425 0 0
INVESCO SOLAR ETF Com 46138G706 2,028 26,877 SH   SOLE 0 26,708 0 169
INVESCO SOLAR ETF Com 46138G706 38 500 SH   DFND 0 500 0 0
ISHARES SELECT DIVIDEND ETF Com 464287168 1,337 10,431 SH   SOLE 0 10,431 0 0
ISHARES CORE S&P 500 ETF Com 464287200 22,153 48,828 SH   SOLE 0 47,414 0 1,414
ISHARES CORE S&P 500 ETF Com 464287200 29 63 SH   DFND 0 63 0 0
ISHARES CORE TOTAL AGGR US BOND ETF Com 464287226 277 2,591 SH   SOLE 0 2,591 0 0
ISHARES IBOXX INV GRADE CORP BD ETF Com 464287242 1,206 9,972 SH   SOLE 0 9,972 0 0
ISHARES MSCI EAFE INDEX ETF Com 464287465 1,904 25,871 SH   SOLE 0 25,871 0 0
ISHARES MSCI EAFE INDEX ETF Com 464287465 97 1,321 SH   DFND 0 1,321 0 0
ISHARES CORE S&P MIDCAP ETF Com 464287507 1,248 4,650 SH   SOLE 0 4,650 0 0
ISHARES RUSSELL 1000 GROWTH ETF Com 464287614 434 1,563 SH   SOLE 0 1,563 0 0
ISHARES RUSSELL 2000 ETF Com 464287655 298 1,450 SH   SOLE 0 1,450 0 0
ISHARES RUSSELL 3000 ETF Com 464287689 1,839 7,008 SH   SOLE 0 7,008 0 0
ISHARES CORE S&P SMALL CAP ETF Com 464287804 541 5,018 SH   SOLE 0 5,018 0 0
ISHARES CORE S&P SMALL CAP ETF Com 464287804 20 182 SH   DFND 0 182 0 0
ISHARES MSCI USA ESG SELECT SOCIAL IDX ETF Com 464288802 1,996 20,610 SH   SOLE 0 20,450 0 160
ISHARES MSCI EAFE GROWTH ETF Com 464288885 252 2,619 SH   SOLE 0 2,619 0 0
ISHARES MSCI EAFE MIN VOL FACTOR ETF Com 46429B689 5,521 76,533 SH   SOLE 0 76,533 0 0
ISHARES EDGE MSCI MIN VOL USA ETF Com 46429B697 296 3,822 SH   SOLE 0 3,822 0 0
ISHARES EDGE MSCI USA QUAL FACT ETF Com 46432F339 3,840 28,525 SH   SOLE 0 28,525 0 0
ISHARES EDGE MSCI USA VAL WT IDX ETF Com 46432F388 310 2,969 SH   SOLE 0 2,969 0 0
ISHARES CORE MSCI EAFE ETF Com 46432F842 36,679 527,681 SH   SOLE 0 524,071 0 3,610
ISHARES CORE MSCI EAFE ETF Com 46432F842 47 673 SH   DFND 0 673 0 0
ISHARES ESG AWARE MSCI EM ETF Com 46434G863 14,157 385,443 SH   SOLE 0 380,256 0 5,187
ISHARES EDGE MSCI MULT FACT USA ETF Com 46434V282 282 6,348 SH   SOLE 0 6,348 0 0
ISHARES CORE DIVIDEND GROWTH ETF Com 46434V621 31,162 583,449 SH   SOLE 0 577,349 0 6,100
ISHARES CORE DIVIDEND GROWTH ETF Com 46434V621 18 344 SH   DFND 0 344 0 0
ITRON INC Com 465741106 305 5,783 SH   SOLE 0 5,653 0 130
JP MORGAN CHASE & CO Com 46625H100 12,615 92,540 SH   SOLE 0 91,897 0 643
JP MORGAN CHASE & CO Com 46625H100 95 695 SH   DFND 0 695 0 0
JOHNSON & JOHNSON CO Com 478160104 10,054 56,729 SH   SOLE 0 55,823 0 906
JOHNSON & JOHNSON CO Com 478160104 616 3,473 SH   DFND 0 3,473 0 0
KELLOGG CO Com 487836108 271 4,200 SH   SOLE 0 4,200 0 0
KEYCORP NEW Com 493267108 1,083 48,408 SH   SOLE 0 48,128 0 280
KEYCORP NEW Com 493267108 27 1,200 SH   DFND 0 1,200 0 0
KIMBERLY-CLARK CORP Com 494368103 6,096 49,497 SH   SOLE 0 49,437 0 60
KIMBERLY-CLARK CORP Com 494368103 271 2,200 SH   DFND 0 2,200 0 0
KROGER CO Com 501044101 11,153 194,411 SH   SOLE 0 192,011 0 2,400
L3 HARRIS TECHNOLOGIES INC Com 502431109 6,965 28,032 SH   SOLE 0 28,032 0 0
LABORATORY CORP OF AMERICA HOLDINGS Com 50540R409 5,172 19,618 SH   SOLE 0 19,304 0 314
ELI LILLY & CO Com 532457108 936 3,269 SH   SOLE 0 3,269 0 0
ELI LILLY & CO Com 532457108 190 664 SH   DFND 0 664 0 0
LINCOLN ELECTRIC HOLDINGS Com 533900106 7,117 51,644 SH   SOLE 0 51,167 0 477
LOWES COMPANIES INC Com 548661107 8,872 43,878 SH   SOLE 0 43,878 0 0
MARKEL CORP Com 570535104 215 146 SH   SOLE 0 146 0 0
MASTERCARD INC CL A Com 57636Q104 1,775 4,968 SH   SOLE 0 4,598 0 370
MASTERCARD INC CL A Com 57636Q104 36 100 SH   DFND 0 100 0 0
MCDONALDS CORP Com 580135101 768 3,107 SH   SOLE 0 3,107 0 0
MCDONALDS CORP Com 580135101 223 902 SH   DFND 0 902 0 0
MEDICAL PROPERTIES TRUST INC Com 58463J304 405 19,149 SH   SOLE 0 18,885 0 264
MERCK & CO INC Com 58933Y105 7,886 96,115 SH   SOLE 0 96,006 0 109
MERCK & CO INC Com 58933Y105 152 1,850 SH   DFND 0 1,850 0 0
METLIFE INC Com 59156R108 6,261 89,089 SH   SOLE 0 89,089 0 0
METLIFE INC Com 59156R108 53 760 SH   DFND 0 760 0 0
MICROSOFT CORP Com 594918104 44,702 144,991 SH   SOLE 0 143,603 0 1,388
MICROSOFT CORP Com 594918104 1,547 5,019 SH   DFND 0 5,019 0 0
MONDELEZ INTERNATIONAL INC A Com 609207105 422 6,727 SH   SOLE 0 6,727 0 0
MONDELEZ INTERNATIONAL INC A Com 609207105 50 800 SH   DFND 0 800 0 0
MORGAN STANLEY Com 617446448 435 4,977 SH   SOLE 0 4,977 0 0
NASDAQ INC Com 631103108 215 1,205 SH   SOLE 0 1,205 0 0
NASDAQ INC Com 631103108 107 600 SH   DFND 0 600 0 0
NEXTERA ENERGY INC Com 65339F101 4,252 50,198 SH   SOLE 0 50,198 0 0
NIKE INC CLASS B Com 654106103 2,894 21,506 SH   SOLE 0 21,506 0 0
NIKE INC CLASS B Com 654106103 13 100 SH   DFND 0 100 0 0
NORFOLK SOUTHERN CORP Com 655844108 332 1,164 SH   SOLE 0 1,164 0 0
NORFOLK SOUTHERN CORP Com 655844108 29 100 SH   DFND 0 100 0 0
NORTONLIFELOCK INC Com 668771108 929 35,029 SH   SOLE 0 34,628 0 401
NOVARTIS AG ADR Com 66987V109 174 1,978 SH   SOLE 0 1,978 0 0
NOVARTIS AG ADR Com 66987V109 59 673 SH   DFND 0 673 0 0
NVIDIA CORP Com 67066G104 509 1,864 SH   SOLE 0 1,864 0 0
NUVEEN MUNI VALUE FUND Com 670928100 19 2,000 SH   SOLE 0 2,000 0 0
NUVEEN MUNI VALUE FUND Com 670928100 372 38,870 SH   DFND 0 38,870 0 0
ORACLE CORPORATION Com 68389X105 14,104 170,485 SH   SOLE 0 169,230 0 1,255
ORACLE CORPORATION Com 68389X105 36 438 SH   DFND 0 438 0 0
ORGANON & CO Com 68622V106 207 5,939 SH   SOLE 0 5,899 0 40
ORGANON & CO Com 68622V106 5 140 SH   DFND 0 140 0 0
PNC FINANCIAL SERVICES GROUP Com 693475105 5,627 30,508 SH   SOLE 0 29,815 0 693
PNC FINANCIAL SERVICES GROUP Com 693475105 11 62 SH   DFND 0 62 0 0
PPL CORP Com 69351T106 334 11,700 SH   SOLE 0 11,700 0 0
PPL CORP Com 69351T106 31 1,100 SH   DFND 0 1,100 0 0
PEPSICO INC Com 713448108 3,185 19,026 SH   SOLE 0 19,026 0 0
PEPSICO INC Com 713448108 723 4,320 SH   DFND 0 4,320 0 0
PFIZER INC Com 717081103 17,775 343,353 SH   SOLE 0 340,570 0 2,783
PFIZER INC Com 717081103 849 16,392 SH   DFND 0 16,392 0 0
PHILIP MORRIS INTERNATIONAL INC Com 718172109 829 8,829 SH   SOLE 0 8,829 0 0
PROCTER & GAMBLE CO Com 742718109 11,114 72,738 SH   SOLE 0 71,897 0 841
PROCTER & GAMBLE CO Com 742718109 607 3,970 SH   DFND 0 3,970 0 0
PUBLIC SERVICE ENTERPRISE GROUP Com 744573106 13,934 199,063 SH   SOLE 0 197,350 0 1,713
QUALCOMM Com 747525103 260 1,703 SH   SOLE 0 1,703 0 0
QUALCOMM Com 747525103 23 150 SH   DFND 0 150 0 0
RAYTHEON TECHNOLOGIES CORP Com 75513E101 1,796 18,130 SH   SOLE 0 18,130 0 0
RAYTHEON TECHNOLOGIES CORP Com 75513E101 40 400 SH   DFND 0 400 0 0
REGENERON PHARMACEUTICALS INC Com 75886F107 6,675 9,558 SH   SOLE 0 9,376 0 182
REPLIGEN CORP Com 759916109 4,717 25,077 SH   SOLE 0 25,077 0 0
ROPER TECHNOLOGIES, INC Com 776696106 413 875 SH   SOLE 0 875 0 0
SHELL PLC ADR Com 780259305 188 3,426 SH   SOLE 0 3,426 0 0
SHELL PLC ADR Com 780259305 217 3,955 SH   DFND 0 3,955 0 0
S&P GLOBAL INC Com 78409V104 331 808 SH   SOLE 0 808 0 0
SPDR S&P500 ETF Com 78462F103 4,870 10,782 SH   SOLE 0 10,782 0 0
SPDR GOLD SHARES ETF Com 78463V107 365 2,023 SH   SOLE 0 2,023 0 0
SPDR S&P DIVIDEND ETF Com 78464A763 3,006 23,465 SH   SOLE 0 23,465 0 0
SPDR S&P DIVIDEND ETF Com 78464A763 7 56 SH   DFND 0 56 0 0
SPDR S&P MIDCAP 400 ETF TRUST Com 78467Y107 225 459 SH   SOLE 0 459 0 0
SALESFORCE INC Com 79466L302 273 1,284 SH   SOLE 0 1,284 0 0
SANOFI ADR Com 80105N105 2,743 53,419 SH   SOLE 0 53,419 0 0
SANOFI ADR Com 80105N105 34 671 SH   DFND 0 671 0 0
CHARLES SCHWAB CORP Com 808513105 1,042 12,360 SH   SOLE 0 12,360 0 0
SCHWAB EMERGING MKTS EQUITY ETF Com 808524706 278 10,000 SH   SOLE 0 10,000 0 0
SCHWAB US DIVIDEND EQUITY ETF Com 808524797 3,269 41,443 SH   SOLE 0 41,443 0 0
MATERIALS SELECT SECTOR SPDR ETF Com 81369Y100 258 2,932 SH   SOLE 0 2,932 0 0
HEALTH CARE SEL SECT SPDR ETF Com 81369Y209 1,286 9,385 SH   SOLE 0 9,385 0 0
CONSUMER STAPLES SELECT SECTOR SPDR ETF Com 81369Y308 7,814 102,961 SH   SOLE 0 101,449 0 1,512
CONSUMER STAPLES SELECT SECTOR SPDR ETF Com 81369Y308 15 200 SH   DFND 0 200 0 0
CONSUMER DISC SELECT SECTOR SPDR ETF Com 81369Y407 2,730 14,757 SH   SOLE 0 14,757 0 0
CONSUMER DISC SELECT SECTOR SPDR ETF Com 81369Y407 37 200 SH   DFND 0 200 0 0
FINANCIAL SELECT SECTOR SPDR ETF Com 81369Y605 7,534 196,610 SH   SOLE 0 196,610 0 0
FINANCIAL SELECT SECTOR SPDR ETF Com 81369Y605 4 100 SH   DFND 0 100 0 0
INDUSTRIAL SELECT SECTOR SPDR ETF Com 81369Y704 674 6,543 SH   SOLE 0 6,543 0 0
TECHNOLOGY SELECT SECT SPDR ETF Com 81369Y803 3,791 23,852 SH   SOLE 0 23,852 0 0
SEMPRA ENERGY Com 816851109 178 1,060 SH   SOLE 0 1,060 0 0
SEMPRA ENERGY Com 816851109 34 200 SH   DFND 0 200 0 0
SPROTT PHYSICAL GOLD TRUST Com 85207H104 160 10,423 SH   SOLE 0 10,423 0 0
STARBUCKS CORP Com 855244109 6,842 75,211 SH   SOLE 0 74,473 0 738
STARBUCKS CORP Com 855244109 36 400 SH   DFND 0 400 0 0
STRYKER CORP Com 863667101 233 872 SH   SOLE 0 872 0 0
SYSCO CORPORATION Com 871829107 275 3,372 SH   SOLE 0 3,372 0 0
SYSCO CORPORATION Com 871829107 327 4,000 SH   DFND 0 4,000 0 0
TJX COMPANIES INC Com 872540109 8,065 133,134 SH   SOLE 0 129,758 0 3,376
TJX COMPANIES INC Com 872540109 12 190 SH   DFND 0 190 0 0
TARGET CORP Com 87612E106 8,870 41,796 SH   SOLE 0 41,760 0 36
TARGET CORP Com 87612E106 356 1,678 SH   DFND 0 1,678 0 0
TETRA TECH INC Com 88162G103 679 4,119 SH   SOLE 0 4,119 0 0
TEXAS INSTRUMENTS INC Com 882508104 6,918 37,707 SH   SOLE 0 37,707 0 0
TEXAS INSTRUMENTS INC Com 882508104 178 970 SH   DFND 0 970 0 0
THERMO FISHER SCIENTIFIC Com 883556102 1,302 2,204 SH   SOLE 0 2,204 0 0
THERMO FISHER SCIENTIFIC Com 883556102 25 43 SH   DFND 0 43 0 0
3M CO Com 88579Y101 1,675 11,250 SH   SOLE 0 11,250 0 0
3M CO Com 88579Y101 22 150 SH   DFND 0 150 0 0
TRAVELERS COS INC Com 89417E109 526 2,880 SH   SOLE 0 2,880 0 0
TRUIST FINANCIAL CORP Com 89832Q109 14,840 261,731 SH   SOLE 0 260,076 0 1,655
TRUIST FINANCIAL CORP Com 89832Q109 228 4,022 SH   DFND 0 4,022 0 0
UNILEVER PLC SPON ADR Com 904767704 205 4,504 SH   SOLE 0 4,504 0 0
UNION PACIFIC CORP Com 907818108 1,871 6,850 SH   SOLE 0 6,850 0 0
UNION PACIFIC CORP Com 907818108 246 900 SH   DFND 0 900 0 0
UNITED PARCEL SERVICE INC Com 911312106 406 1,893 SH   SOLE 0 1,893 0 0
UNITED PARCEL SERVICE INC Com 911312106 150 700 SH   DFND 0 700 0 0
UNITEDHEALTH GROUP INC Com 91324P102 12,117 23,760 SH   SOLE 0 23,329 0 431
VANECK VECTORS LOW CARBON ENERGY ETF Com 92189F502 468 3,227 SH   SOLE 0 3,147 0 80
VANGUARD DIVIDEND APPREC ETF Com 921908844 8,852 54,590 SH   SOLE 0 54,590 0 0
VANGUARD DIVIDEND APPREC ETF Com 921908844 16 99 SH   DFND 0 99 0 0
VANGUARD TOTAL INTL STOCK ETF Com 921909768 239 4,000 SH   SOLE 0 4,000 0 0
VANGUARD ESG INTL STOCK ETF Com 921910725 1,479 25,863 SH   SOLE 0 25,706 0 157
VANGUARD FTSE DEV MKT ETF Com 921943858 202 4,211 SH   SOLE 0 4,211 0 0
VANGUARD HIGH DIVIDEND YIELD ETF Com 921946406 1,458 12,990 SH   SOLE 0 12,990 0 0
VANGUARD SHORT TERM TIPS ETF Com 922020805 2,099 40,993 SH   SOLE 0 40,993 0 0
VANGUARD FTSE PACIFIC ETF Com 922042866 6,045 81,638 SH   SOLE 0 80,745 0 893
VANGUARD FTSE EUROPE ETF Com 922042874 7,449 119,610 SH   SOLE 0 118,716 0 894
VANGUARD HEALTH CARE ETF Com 92204A504 233 916 SH   SOLE 0 916 0 0
VANGUARD INDUSTRIALS ETF Com 92204A603 7,918 40,714 SH   SOLE 0 39,864 0 850
VANGUARD INDUSTRIALS ETF Com 92204A603 12 64 SH   DFND 0 64 0 0
VANGUARD INFO TECH ETF Com 92204A702 851 2,044 SH   SOLE 0 2,044 0 0
VANGUARD S&P 500 ETF Com 922908363 382 921 SH   SOLE 0 921 0 0
VANGUARD MID CAP VALUE ETF Com 922908512 15,754 105,259 SH   SOLE 0 104,319 0 940
VANGUARD MID CAP VALUE ETF Com 922908512 98 652 SH   DFND 0 652 0 0
VANGUARD MID CAP GROWTH ETF Com 922908538 877 3,935 SH   SOLE 0 3,935 0 0
VANGUARD MID CAP GROWTH ETF Com 922908538 86 385 SH   DFND 0 385 0 0
VANGUARD REIT INDEX ETF Com 922908553 559 5,161 SH   SOLE 0 5,161 0 0
VANGUARD REIT INDEX ETF Com 922908553 190 1,755 SH   DFND 0 1,755 0 0
VANGUARD LARGE CAP ETF Com 922908637 11,314 54,264 SH   SOLE 0 54,264 0 0
VANGUARD LARGE CAP ETF Com 922908637 26 123 SH   DFND 0 123 0 0
VANGUARD GROWTH ETF Com 922908736 250 870 SH   SOLE 0 870 0 0
VANGUARD TOTAL STOCK MKT ETF Com 922908769 6,676 29,322 SH   SOLE 0 29,322 0 0
VANGUARD TOTAL STOCK MKT ETF Com 922908769 16 70 SH   DFND 0 70 0 0
VERIZON COMMUNICATIONS Com 92343V104 7,297 143,251 SH   SOLE 0 143,101 0 150
VERIZON COMMUNICATIONS Com 92343V104 384 7,533 SH   DFND 0 7,533 0 0
VISA INC Com 92826C839 11,474 51,737 SH   SOLE 0 51,408 0 329
VISA INC Com 92826C839 171 772 SH   DFND 0 772 0 0
WEC ENERGY GROUP INC Com 92939U106 830 8,319 SH   SOLE 0 8,237 0 82
WEC ENERGY GROUP INC Com 92939U106 30 300 SH   DFND 0 300 0 0
WALMART STORES INC Com 931142103 2,088 14,022 SH   SOLE 0 13,983 0 39
WALMART STORES INC Com 931142103 237 1,593 SH   DFND 0 1,593 0 0
WASTE MANAGEMENT Com 94106L109 308 1,946 SH   SOLE 0 1,946 0 0
WATTS WATER TECHNOLOGIES-A Com 942749102 737 5,281 SH   SOLE 0 5,191 0 90
WELLTOWER INC Com 95040Q104 209 2,179 SH   SOLE 0 2,179 0 0
YUM BRANDS INC Com 988498101 148 1,246 SH   SOLE 0 1,246 0 0
YUM BRANDS INC Com 988498101 83 700 SH   DFND 0 700 0 0
ACCENTURE PLC Com G1151C101 11,197 33,204 SH   SOLE 0 32,695 0 509
ACCENTURE PLC Com G1151C101 13 40 SH   DFND 0 40 0 0
EATON CORP PLC Com G29183103 9,112 60,044 SH   SOLE 0 59,379 0 665
EATON CORP PLC Com G29183103 127 837 SH   DFND 0 837 0 0
JOHNSON CONTROLS INTERNATIONAL PLC Com G51502105 4,247 64,776 SH   SOLE 0 64,626 0 150
LINDE PLC Com G5494J103 622 1,947 SH   SOLE 0 1,947 0 0
LINDE PLC Com G5494J103 72 225 SH   DFND 0 225 0 0
MEDTRONIC PLC Com G5960L103 8,086 72,884 SH   SOLE 0 72,146 0 738
SENSATA TECHNOLOGIES HOLDING PLC Com G8060N102 437 8,599 SH   SOLE 0 8,449 0 150
TRANE TECHNOLOGIES PUBLIC LTD CO Com G8994E103 313 2,050 SH   SOLE 0 2,050 0 0
TRANE TECHNOLOGIES PUBLIC LTD CO Com G8994E103 764 5,000 SH   DFND 0 5,000 0 0