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 792 37,785 SH   SOLE 0 37,785 0 0
AT&T INC Com 00206R102 286 13,663 SH   DFND 0 13,663 0 0
ABBOTT LABORATORIES Com 002824100 2,198 20,227 SH   SOLE 0 20,111 0 116
ABBOTT LABORATORIES Com 002824100 90 826 SH   DFND 0 826 0 0
ABBVIE INC Com 00287Y109 2,727 17,807 SH   SOLE 0 17,807 0 0
ABBVIE INC Com 00287Y109 102 666 SH   DFND 0 666 0 0
ADOBE INC Com 00724F101 5,743 15,690 SH   SOLE 0 15,434 0 256
ADVANCED ENERGY INDUSTRIES INC Com 007973100 356 4,873 SH   SOLE 0 4,800 0 73
AIR PRODUCTS & CHEMICALS INC Com 009158106 414 1,722 SH   SOLE 0 1,722 0 0
ALPHABET INC CL C Com 02079K107 7,402 3,384 SH   SOLE 0 3,349 0 35
ALPHABET INC CL C Com 02079K107 103 47 SH   DFND 0 47 0 0
ALPHABET INC CL A Com 02079K305 13,328 6,116 SH   SOLE 0 6,042 0 74
ALPHABET INC CL A Com 02079K305 102 47 SH   DFND 0 47 0 0
AMAZON COM INC Com 023135106 14,707 138,469 SH   SOLE 0 137,262 0 1,207
AMAZON COM INC Com 023135106 185 1,742 SH   DFND 0 1,742 0 0
AMEREN CORP Com 023608102 426 4,720 SH   SOLE 0 4,720 0 0
AMERICAN EXPRESS CO Com 025816109 932 6,722 SH   SOLE 0 6,722 0 0
AMERICAN NATIONAL BANKSHARES INC Com 027745108 346 9,984 SH   SOLE 0 9,984 0 0
AMERICAN TOWER CORP Com 03027X100 1,984 7,763 SH   SOLE 0 7,619 0 144
AMERICAN WATER WORKS CO INC Com 030420103 242 1,627 SH   SOLE 0 1,627 0 0
AMERICAN WATER WORKS CO INC Com 030420103 60 400 SH   DFND 0 400 0 0
AMGEN INC Com 031162100 7,187 29,539 SH   SOLE 0 29,539 0 0
AMGEN INC Com 031162100 757 3,113 SH   DFND 0 3,113 0 0
ANALOG DEVICES INC Com 032654105 501 3,431 SH   SOLE 0 3,431 0 0
APPLE INC Com 037833100 45,391 331,998 SH   SOLE 0 328,733 0 3,265
APPLE INC Com 037833100 512 3,748 SH   DFND 0 3,748 0 0
APPLIED MATERIALS INC Com 038222105 691 7,600 SH   SOLE 0 7,600 0 0
AUTOMATIC DATA PROCESSING INC Com 053015103 1,688 8,038 SH   SOLE 0 7,990 0 48
AUTOMATIC DATA PROCESSING INC Com 053015103 789 3,758 SH   DFND 0 3,758 0 0
AUTOZONE INC Com 053332102 279 130 SH   SOLE 0 130 0 0
BALL CORP Com 058498106 416 6,049 SH   SOLE 0 6,049 0 0
BANK OF AMERICA CORP Com 060505104 321 10,307 SH   SOLE 0 10,307 0 0
BANK OF AMERICA CORP Com 060505104 47 1,500 SH   DFND 0 1,500 0 0
BECTON DICKINSON & CO Com 075887109 207 838 SH   SOLE 0 838 0 0
BECTON DICKINSON & CO Com 075887109 18 72 SH   DFND 0 72 0 0
BERKSHIRE HATHAWAY INC B Com 084670702 11,127 40,756 SH   SOLE 0 40,222 0 534
BERKSHIRE HATHAWAY INC B Com 084670702 56 204 SH   DFND 0 204 0 0
BEST BUY Com 086516101 4,274 65,556 SH   SOLE 0 65,556 0 0
BLACKROCK INC Com 09247X101 645 1,059 SH   SOLE 0 1,050 0 9
BRISTOL MYERS SQUIBB CO Com 110122108 2,040 26,489 SH   SOLE 0 26,355 0 134
BRISTOL MYERS SQUIBB CO Com 110122108 486 6,315 SH   DFND 0 6,315 0 0
BROADRIDGE FINL SOLUTIONS INC Com 11133T103 211 1,480 SH   SOLE 0 1,480 0 0
BROADRIDGE FINL SOLUTIONS INC Com 11133T103 9 63 SH   DFND 0 63 0 0
BROADCOM INC Com 11135F101 15,418 31,737 SH   SOLE 0 31,327 0 410
BROADCOM INC Com 11135F101 113 232 SH   DFND 0 232 0 0
CVS HEALTH CORPORATION Com 126650100 136 1,473 SH   SOLE 0 1,473 0 0
CVS HEALTH CORPORATION Com 126650100 93 1,000 SH   DFND 0 1,000 0 0
CARRIER GLOBAL CORP Com 14448C104 389 10,898 SH   SOLE 0 10,898 0 0
CARRIER GLOBAL CORP Com 14448C104 11 300 SH   DFND 0 300 0 0
CATERPILLAR INC Com 149123101 280 1,567 SH   SOLE 0 1,567 0 0
CENTENE CORP Com 15135B101 434 5,133 SH   SOLE 0 4,993 0 140
CHEVRON CORPORATION Com 166764100 1,223 8,444 SH   SOLE 0 8,444 0 0
CHEVRON CORPORATION Com 166764100 334 2,307 SH   DFND 0 2,307 0 0
CISCO SYSTEMS INC Com 17275R102 12,023 281,972 SH   SOLE 0 279,051 0 2,921
CISCO SYSTEMS INC Com 17275R102 229 5,364 SH   DFND 0 5,364 0 0
CITIZENS FINANCIAL GROUP INC Com 174610105 3,852 107,936 SH   SOLE 0 107,936 0 0
CITIZENS FINANCIAL GROUP INC Com 174610105 9 250 SH   DFND 0 250 0 0
COCA COLA CO Com 191216100 905 14,387 SH   SOLE 0 14,387 0 0
COCA COLA CO Com 191216100 126 2,000 SH   DFND 0 2,000 0 0
COLGATE PALMOLIVE INC Com 194162103 308 3,845 SH   SOLE 0 3,792 0 53
COMCAST CORP Com 20030N101 8,141 207,457 SH   SOLE 0 206,377 0 1,080
COMCAST CORP Com 20030N101 5 125 SH   DFND 0 125 0 0
COMERICA INC Com 200340107 1,482 20,200 SH   SOLE 0 20,200 0 0
CONSOLIDATED EDISON INC Com 209115104 592 6,225 SH   SOLE 0 6,225 0 0
COSTCO WHOLESALE CORP Com 22160K105 1,162 2,425 SH   SOLE 0 2,425 0 0
COUPANG INC Com 22266T109 9,612 753,876 SH   SOLE 0 753,876 0 0
DXC TECHNOLOGY CO Com 23355L106 857 28,279 SH   SOLE 0 28,045 0 234
DANAHER CORP Com 235851102 1,394 5,497 SH   SOLE 0 5,497 0 0
DANAHER CORP Com 235851102 12 46 SH   DFND 0 46 0 0
DEERE & COMPANY Com 244199105 370 1,234 SH   SOLE 0 1,234 0 0
DEERE & COMPANY Com 244199105 8 26 SH   DFND 0 26 0 0
DIMENSIONAL EMERG CORE EQ MKT ETF Com 25434V302 6,021 259,973 SH   SOLE 0 255,769 0 4,204
WALT DISNEY CO Com 254687106 702 7,436 SH   SOLE 0 7,436 0 0
WALT DISNEY CO Com 254687106 12 125 SH   DFND 0 125 0 0
DOLLAR GENERAL CORP Com 256677105 9,877 40,242 SH   SOLE 0 40,097 0 145
DUKE ENERGY CORP Com 26441C204 137 1,279 SH   SOLE 0 1,279 0 0
DUKE ENERGY CORP Com 26441C204 128 1,190 SH   DFND 0 1,190 0 0
EBAY INC Com 278642103 5,446 130,686 SH   SOLE 0 129,515 0 1,171
EBAY INC Com 278642103 11 262 SH   DFND 0 262 0 0
ECOLAB INC Com 278865100 248 1,613 SH   SOLE 0 1,613 0 0
EDWARDS LIFESCIENCES CORP Com 28176E108 2,173 22,848 SH   SOLE 0 22,848 0 0
EDWARDS LIFESCIENCES CORP Com 28176E108 5 50 SH   DFND 0 50 0 0
EMERSON ELECTRIC CO Com 291011104 6,009 75,552 SH   SOLE 0 74,952 0 600
EMERSON ELECTRIC CO Com 291011104 237 2,981 SH   DFND 0 2,981 0 0
ENTEGRIS INC Com 29362U104 221 2,400 SH   SOLE 0 2,400 0 0
ESSENTIAL UTILITIES INC Com 29670G102 1,656 36,128 SH   SOLE 0 35,828 0 300
ESSENTIAL UTILITIES INC Com 29670G102 89 1,950 SH   DFND 0 1,950 0 0
EVERGY INC Com 30034W106 5,805 88,961 SH   SOLE 0 88,161 0 800
EVERGY INC Com 30034W106 49 750 SH   DFND 0 750 0 0
EXELON CORP Com 30161N101 291 6,420 SH   SOLE 0 6,420 0 0
EXXON MOBIL CORP Com 30231G102 2,522 29,446 SH   SOLE 0 29,446 0 0
EXXON MOBIL CORP Com 30231G102 66 775 SH   DFND 0 775 0 0
META PLATFORMS INC Com 30303M102 3,388 21,012 SH   SOLE 0 20,765 0 247
META PLATFORMS INC Com 30303M102 105 650 SH   DFND 0 650 0 0
FEDERATED HERMES INC Com 314211103 9,330 293,488 SH   SOLE 0 290,291 0 3,197
FEDERATED HERMES INC Com 314211103 37 1,170 SH   DFND 0 1,170 0 0
FEDEX CORP Com 31428X106 5,619 24,787 SH   SOLE 0 24,351 0 436
FEDEX CORP Com 31428X106 45 200 SH   DFND 0 200 0 0
FIRST TRUST GLOBAL WIND ENERGY ETF Com 33736G106 1,872 108,682 SH   SOLE 0 108,082 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 392 15,809 SH   SOLE 0 15,809 0 0
FLEXSHARES GLOBAL QUALITY REAL ESTATE ETF Com 33939L787 246 4,329 SH   SOLE 0 4,329 0 0
FLEXSHARES STOXX GLOBAL BROAD INFRA ETF Com 33939L795 876 16,958 SH   SOLE 0 16,633 0 325
FLEXSHARES QUALITY DIV DEFENSIVE ETF Com 33939L845 414 8,275 SH   SOLE 0 8,275 0 0
FLEXSHARES QUALITY DVD ETF Com 33939L860 9,095 179,285 SH   SOLE 0 177,535 0 1,750
FORD MOTOR CO Com 345370860 131 11,732 SH   SOLE 0 11,732 0 0
FORD MOTOR CO Com 345370860 2 150 SH   DFND 0 150 0 0
GENERAL DYNAMICS CORP Com 369550108 35 157 SH   SOLE 0 157 0 0
GENERAL DYNAMICS CORP Com 369550108 207 935 SH   DFND 0 935 0 0
GENERAL MILLS INC Com 370334104 110 1,464 SH   SOLE 0 1,464 0 0
GENERAL MILLS INC Com 370334104 100 1,325 SH   DFND 0 1,325 0 0
GENERAL MOTORS CO Com 37045V100 436 13,724 SH   SOLE 0 13,724 0 0
GENERAL MOTORS CO Com 37045V100 2 50 SH   DFND 0 50 0 0
GSK PLC ADR Com 37733W105 384 8,827 SH   SOLE 0 8,827 0 0
GOLDMAN SACHS ACTIVEBETA INTL EQUITY ETF Com 381430107 19,351 696,817 SH   SOLE 0 687,995 0 8,822
GOLDMAN SACHS ACTIVEBETA INTL EQUITY ETF Com 381430107 17 601 SH   DFND 0 601 0 0
GOLDMAN SACHS ACTIVEBETA US LGE CAP EQ ETF Com 381430503 5,681 75,809 SH   SOLE 0 73,859 0 1,950
GOLDMAN SACHS ACTIVEBETA US LGE CAP EQ ETF Com 381430503 9 119 SH   DFND 0 119 0 0
JACK HENRY & ASSOCIATES INC Com 426281101 343 1,905 SH   SOLE 0 1,905 0 0
HERSHEY COMPANY Com 427866108 409 1,900 SH   SOLE 0 1,900 0 0
HOLOGIC INC Com 436440101 705 10,176 SH   SOLE 0 10,006 0 170
HOME DEPOT INC Com 437076102 11,017 40,169 SH   SOLE 0 39,616 0 553
HOME DEPOT INC Com 437076102 185 675 SH   DFND 0 675 0 0
HONEYWELL INTL INC Com 438516106 877 5,043 SH   SOLE 0 5,043 0 0
HONEYWELL INTL INC Com 438516106 104 600 SH   DFND 0 600 0 0
ILLINOIS TOOL WORKS INC Com 452308109 253 1,387 SH   SOLE 0 1,331 0 56
ILLINOIS TOOL WORKS INC Com 452308109 547 3,000 SH   DFND 0 3,000 0 0
INGERSOLL RAND INC Com 45687V106 78 1,843 SH   SOLE 0 1,843 0 0
INGERSOLL RAND INC Com 45687V106 168 4,000 SH   DFND 0 4,000 0 0
INTEL CORP Com 458140100 11,985 320,379 SH   SOLE 0 318,067 0 2,312
INTEL CORP Com 458140100 475 12,695 SH   DFND 0 12,695 0 0
INTERNATIONAL BUSINESS MACHINES CORP Com 459200101 1,145 8,110 SH   SOLE 0 8,110 0 0
INTERNATIONAL BUSINESS MACHINES CORP Com 459200101 28 200 SH   DFND 0 200 0 0
INVESCO QQQ TRUST SERIES 1 ETF Com 46090E103 408 1,457 SH   SOLE 0 1,457 0 0
INVESCO WATER RESOURCES ETF Com 46137V142 1,158 25,059 SH   SOLE 0 24,709 0 350
INVESCO WATER RESOURCES ETF Com 46137V142 23 500 SH   DFND 0 500 0 0
INVESCO MSCI SUSTAINABLE FUTURE ETF Com 46137V407 752 14,001 SH   SOLE 0 13,681 0 320
INVESCO MSCI SUSTAINABLE FUTURE ETF Com 46137V407 23 425 SH   DFND 0 425 0 0
INVESCO SOLAR ETF Com 46138G706 1,926 26,974 SH   SOLE 0 26,805 0 169
INVESCO SOLAR ETF Com 46138G706 36 500 SH   DFND 0 500 0 0
ISHARES SELECT DIVIDEND ETF Com 464287168 1,210 10,279 SH   SOLE 0 10,279 0 0
ISHARES CORE S&P 500 ETF Com 464287200 19,630 51,773 SH   SOLE 0 50,159 0 1,614
ISHARES IBOXX INV GRADE CORP BD ETF Com 464287242 1,097 9,972 SH   SOLE 0 9,972 0 0
ISHARES MSCI EAFE INDEX ETF Com 464287465 1,538 24,609 SH   SOLE 0 24,609 0 0
ISHARES MSCI EAFE INDEX ETF Com 464287465 82 1,306 SH   DFND 0 1,306 0 0
ISHARES CORE S&P MIDCAP ETF Com 464287507 995 4,397 SH   SOLE 0 4,397 0 0
ISHARES RUSSELL 1000 GROWTH ETF Com 464287614 342 1,563 SH   SOLE 0 1,563 0 0
ISHARES RUSSELL 2000 ETF Com 464287655 249 1,470 SH   SOLE 0 1,470 0 0
ISHARES RUSSELL 3000 ETF Com 464287689 1,502 6,911 SH   SOLE 0 6,911 0 0
ISHARES CORE S&P SMALL CAP ETF Com 464287804 416 4,501 SH   SOLE 0 4,501 0 0
ISHARES CORE S&P SMALL CAP ETF Com 464287804 17 182 SH   DFND 0 182 0 0
ISHARES MSCI USA ESG SELECT SOCIAL IDX ETF Com 464288802 1,736 21,517 SH   SOLE 0 21,357 0 160
ISHARES MSCI EAFE GROWTH ETF Com 464288885 207 2,569 SH   SOLE 0 2,569 0 0
ISHARES MSCI EAFE MIN VOL FACTOR ETF Com 46429B689 5,164 81,567 SH   SOLE 0 81,567 0 0
ISHARES EDGE MSCI MIN VOL USA ETF Com 46429B697 263 3,749 SH   SOLE 0 3,749 0 0
ISHARES EDGE MSCI USA QUAL FACT ETF Com 46432F339 3,124 27,957 SH   SOLE 0 27,957 0 0
ISHARES EDGE MSCI USA VAL WT IDX ETF Com 46432F388 259 2,859 SH   SOLE 0 2,859 0 0
ISHARES CORE MSCI EAFE ETF Com 46432F842 29,402 499,617 SH   SOLE 0 496,007 0 3,610
ISHARES CORE MSCI EAFE ETF Com 46432F842 21 350 SH   DFND 0 350 0 0
ISHARES ESG AWARE MSCI EM ETF Com 46434G863 7,871 243,618 SH   SOLE 0 240,751 0 2,867
ISHARES U S EQUITY FACTOR ETF Com 46434V282 234 6,182 SH   SOLE 0 6,182 0 0
ISHARES CORE DIVIDEND GROWTH ETF Com 46434V621 28,869 605,985 SH   SOLE 0 599,885 0 6,100
ITRON INC Com 465741106 275 5,566 SH   SOLE 0 5,436 0 130
JP MORGAN CHASE & CO Com 46625H100 10,545 93,638 SH   SOLE 0 92,995 0 643
JP MORGAN CHASE & CO Com 46625H100 78 695 SH   DFND 0 695 0 0
JOHNSON & JOHNSON CO Com 478160104 9,846 55,467 SH   SOLE 0 54,611 0 856
JOHNSON & JOHNSON CO Com 478160104 612 3,448 SH   DFND 0 3,448 0 0
KELLOGG CO Com 487836108 300 4,200 SH   SOLE 0 4,200 0 0
KEYCORP NEW Com 493267108 761 44,187 SH   SOLE 0 43,907 0 280
KIMBERLY-CLARK CORP Com 494368103 1,593 11,785 SH   SOLE 0 11,785 0 0
KIMBERLY-CLARK CORP Com 494368103 297 2,200 SH   DFND 0 2,200 0 0
KROGER CO Com 501044101 8,935 188,772 SH   SOLE 0 186,372 0 2,400
L3 HARRIS TECHNOLOGIES INC Com 502431109 5,504 22,773 SH   SOLE 0 22,773 0 0
LABORATORY CORP OF AMERICA HOLDINGS Com 50540R409 4,477 19,101 SH   SOLE 0 18,787 0 314
ELI LILLY & CO Com 532457108 1,062 3,274 SH   SOLE 0 3,274 0 0
ELI LILLY & CO Com 532457108 215 664 SH   DFND 0 664 0 0
LINCOLN ELECTRIC HOLDINGS Com 533900106 6,187 50,151 SH   SOLE 0 49,674 0 477
LOWES COMPANIES INC Com 548661107 7,612 43,580 SH   SOLE 0 43,580 0 0
MASTERCARD INC CL A Com 57636Q104 1,527 4,841 SH   SOLE 0 4,471 0 370
MASTERCARD INC CL A Com 57636Q104 32 100 SH   DFND 0 100 0 0
MCDONALDS CORP Com 580135101 746 3,021 SH   SOLE 0 3,021 0 0
MCDONALDS CORP Com 580135101 223 902 SH   DFND 0 902 0 0
MEDICAL PROPERTIES TRUST INC Com 58463J304 318 20,848 SH   SOLE 0 20,584 0 264
MERCK & CO INC Com 58933Y105 13,709 150,363 SH   SOLE 0 149,404 0 959
MERCK & CO INC Com 58933Y105 169 1,850 SH   DFND 0 1,850 0 0
METLIFE INC Com 59156R108 5,536 88,167 SH   SOLE 0 88,167 0 0
METLIFE INC Com 59156R108 48 760 SH   DFND 0 760 0 0
MICROSOFT CORP Com 594918104 37,042 144,229 SH   SOLE 0 142,841 0 1,388
MICROSOFT CORP Com 594918104 1,289 5,019 SH   DFND 0 5,019 0 0
MONDELEZ INTERNATIONAL INC A Com 609207105 449 7,227 SH   SOLE 0 7,227 0 0
MONDELEZ INTERNATIONAL INC A Com 609207105 50 800 SH   DFND 0 800 0 0
MORGAN STANLEY Com 617446448 364 4,784 SH   SOLE 0 4,784 0 0
NASDAQ INC Com 631103108 166 1,085 SH   SOLE 0 1,085 0 0
NASDAQ INC Com 631103108 92 600 SH   DFND 0 600 0 0
NEXTERA ENERGY INC Com 65339F101 3,631 46,878 SH   SOLE 0 46,878 0 0
NIKE INC CLASS B Com 654106103 2,115 20,695 SH   SOLE 0 20,695 0 0
NIKE INC CLASS B Com 654106103 10 100 SH   DFND 0 100 0 0
NORFOLK SOUTHERN CORP Com 655844108 196 864 SH   SOLE 0 864 0 0
NORFOLK SOUTHERN CORP Com 655844108 23 100 SH   DFND 0 100 0 0
NORTONLIFELOCK INC Com 668771108 798 36,329 SH   SOLE 0 35,928 0 401
NOVARTIS AG ADR Com 66987V109 166 1,965 SH   SOLE 0 1,965 0 0
NOVARTIS AG ADR Com 66987V109 57 673 SH   DFND 0 673 0 0
NVIDIA CORP Com 67066G104 261 1,722 SH   SOLE 0 1,722 0 0
NUVEEN MUNI VALUE FUND Com 670928100 347 38,870 SH   DFND 0 38,870 0 0
ORACLE CORPORATION Com 68389X105 11,965 171,251 SH   SOLE 0 170,393 0 858
ORACLE CORPORATION Com 68389X105 31 438 SH   DFND 0 438 0 0
PNC FINANCIAL SERVICES GROUP Com 693475105 4,887 30,974 SH   SOLE 0 30,281 0 693
PNC FINANCIAL SERVICES GROUP Com 693475105 10 62 SH   DFND 0 62 0 0
PPG INDUSTRIES Com 693506107 212 1,854 SH   SOLE 0 1,854 0 0
PPG INDUSTRIES Com 693506107 33 289 SH   DFND 0 289 0 0
PPL CORP Com 69351T106 317 11,700 SH   SOLE 0 11,700 0 0
PPL CORP Com 69351T106 11 400 SH   DFND 0 400 0 0
PEPSICO INC Com 713448108 3,191 19,146 SH   SOLE 0 19,146 0 0
PEPSICO INC Com 713448108 720 4,320 SH   DFND 0 4,320 0 0
PFIZER INC Com 717081103 18,150 346,177 SH   SOLE 0 343,244 0 2,933
PFIZER INC Com 717081103 859 16,392 SH   DFND 0 16,392 0 0
PHILIP MORRIS INTERNATIONAL INC Com 718172109 671 6,799 SH   SOLE 0 6,799 0 0
PROCTER & GAMBLE CO Com 742718109 10,951 76,157 SH   SOLE 0 75,316 0 841
PROCTER & GAMBLE CO Com 742718109 567 3,940 SH   DFND 0 3,940 0 0
PUBLIC SERVICE ENTERPRISE GROUP Com 744573106 12,463 196,952 SH   SOLE 0 195,239 0 1,713
RAYTHEON TECHNOLOGIES CORP Com 75513E101 1,739 18,092 SH   SOLE 0 18,092 0 0
RAYTHEON TECHNOLOGIES CORP Com 75513E101 38 400 SH   DFND 0 400 0 0
REGENERON PHARMACEUTICALS INC Com 75886F107 5,441 9,205 SH   SOLE 0 9,023 0 182
REPLIGEN CORP Com 759916109 4,073 25,077 SH   SOLE 0 25,077 0 0
ROPER TECHNOLOGIES, INC Com 776696106 345 875 SH   SOLE 0 875 0 0
SHELL PLC ADR Com 780259305 169 3,226 SH   SOLE 0 3,226 0 0
SHELL PLC ADR Com 780259305 207 3,955 SH   DFND 0 3,955 0 0
S&P GLOBAL INC Com 78409V104 272 807 SH   SOLE 0 807 0 0
SPDR S&P500 ETF Com 78462F103 3,846 10,196 SH   SOLE 0 10,196 0 0
SPDR GOLD SHARES ETF Com 78463V107 295 1,749 SH   SOLE 0 1,749 0 0
SPDR S&P DIVIDEND ETF Com 78464A763 2,668 22,475 SH   SOLE 0 22,475 0 0
SALESFORCE INC Com 79466L302 214 1,299 SH   SOLE 0 1,299 0 0
SANOFI ADR Com 80105N105 2,515 50,275 SH   SOLE 0 50,275 0 0
SANOFI ADR Com 80105N105 34 671 SH   DFND 0 671 0 0
CHARLES SCHWAB CORP Com 808513105 699 11,059 SH   SOLE 0 11,059 0 0
SCHWAB EMERGING MKTS EQUITY ETF Com 808524706 254 10,000 SH   SOLE 0 10,000 0 0
SCHWAB US DIVIDEND EQUITY ETF Com 808524797 3,247 45,329 SH   SOLE 0 45,329 0 0
MATERIALS SELECT SECTOR SPDR ETF Com 81369Y100 208 2,828 SH   SOLE 0 2,828 0 0
HEALTH CARE SEL SECT SPDR ETF Com 81369Y209 1,170 9,127 SH   SOLE 0 9,127 0 0
CONSUMER STAPLES SELECT SECTOR SPDR ETF Com 81369Y308 7,388 102,360 SH   SOLE 0 100,848 0 1,512
CONSUMER STAPLES SELECT SECTOR SPDR ETF Com 81369Y308 14 200 SH   DFND 0 200 0 0
CONSUMER DISC SELECT SECTOR SPDR ETF Com 81369Y407 1,920 13,969 SH   SOLE 0 13,969 0 0
CONSUMER DISC SELECT SECTOR SPDR ETF Com 81369Y407 27 200 SH   DFND 0 200 0 0
FINANCIAL SELECT SECTOR SPDR ETF Com 81369Y605 6,029 191,703 SH   SOLE 0 191,703 0 0
FINANCIAL SELECT SECTOR SPDR ETF Com 81369Y605 3 100 SH   DFND 0 100 0 0
INDUSTRIAL SELECT SECTOR SPDR ETF Com 81369Y704 512 5,863 SH   SOLE 0 5,863 0 0
TECHNOLOGY SELECT SECT SPDR ETF Com 81369Y803 2,927 23,022 SH   SOLE 0 23,022 0 0
SPROTT PHYSICAL GOLD TRUST Com 85207H104 145 10,232 SH   SOLE 0 10,232 0 0
STARBUCKS CORP Com 855244109 5,770 75,538 SH   SOLE 0 74,800 0 738
STARBUCKS CORP Com 855244109 31 400 SH   DFND 0 400 0 0
SYSCO CORPORATION Com 871829107 273 3,222 SH   SOLE 0 3,222 0 0
SYSCO CORPORATION Com 871829107 339 4,000 SH   DFND 0 4,000 0 0
TJX COMPANIES INC Com 872540109 7,377 132,089 SH   SOLE 0 128,713 0 3,376
TJX COMPANIES INC Com 872540109 11 190 SH   DFND 0 190 0 0
TARGET CORP Com 87612E106 5,864 41,524 SH   SOLE 0 41,488 0 36
TARGET CORP Com 87612E106 237 1,678 SH   DFND 0 1,678 0 0
TETRA TECH INC Com 88162G103 562 4,119 SH   SOLE 0 4,119 0 0
TEXAS INSTRUMENTS INC Com 882508104 5,670 36,903 SH   SOLE 0 36,903 0 0
TEXAS INSTRUMENTS INC Com 882508104 142 926 SH   DFND 0 926 0 0
THERMO FISHER SCIENTIFIC Com 883556102 1,189 2,189 SH   SOLE 0 2,189 0 0
THERMO FISHER SCIENTIFIC Com 883556102 23 43 SH   DFND 0 43 0 0
3M CO Com 88579Y101 1,415 10,931 SH   SOLE 0 10,931 0 0
3M CO Com 88579Y101 19 150 SH   DFND 0 150 0 0
TRAVELERS COS INC Com 89417E109 483 2,857 SH   SOLE 0 2,857 0 0
TRUIST FINANCIAL CORP Com 89832Q109 12,359 260,580 SH   SOLE 0 258,810 0 1,770
TRUIST FINANCIAL CORP Com 89832Q109 191 4,022 SH   DFND 0 4,022 0 0
UNION PACIFIC CORP Com 907818108 1,274 5,975 SH   SOLE 0 5,975 0 0
UNION PACIFIC CORP Com 907818108 192 900 SH   DFND 0 900 0 0
UNITED PARCEL SERVICE INC Com 911312106 393 2,151 SH   SOLE 0 2,151 0 0
UNITED PARCEL SERVICE INC Com 911312106 128 700 SH   DFND 0 700 0 0
UNITEDHEALTH GROUP INC Com 91324P102 8,998 17,518 SH   SOLE 0 17,218 0 300
VANECK VECTORS LOW CARBON ENERGY ETF Com 92189F502 402 3,219 SH   SOLE 0 3,139 0 80
VANGUARD DIVIDEND APPREC ETF Com 921908844 7,655 53,356 SH   SOLE 0 53,356 0 0
VANGUARD ESG INTL STOCK ETF Com 921910725 1,283 26,159 SH   SOLE 0 26,002 0 157
VANGUARD HIGH DIVIDEND YIELD ETF Com 921946406 1,305 12,836 SH   SOLE 0 12,836 0 0
VANGUARD SHORT TERM TIPS ETF Com 922020805 2,052 40,946 SH   SOLE 0 40,946 0 0
VANGUARD FTSE PACIFIC ETF Com 922042866 5,209 82,058 SH   SOLE 0 81,165 0 893
VANGUARD FTSE EUROPE ETF Com 922042874 6,471 122,519 SH   SOLE 0 121,625 0 894
VANGUARD INDUSTRIALS ETF Com 92204A603 6,620 40,531 SH   SOLE 0 39,681 0 850
VANGUARD INDUSTRIALS ETF Com 92204A603 10 64 SH   DFND 0 64 0 0
VANGUARD INFO TECH ETF Com 92204A702 590 1,807 SH   SOLE 0 1,807 0 0
VANGUARD S&P 500 ETF Com 922908363 319 921 SH   SOLE 0 921 0 0
VANGUARD MID CAP VALUE ETF Com 922908512 13,594 104,954 SH   SOLE 0 104,014 0 940
VANGUARD MID CAP VALUE ETF Com 922908512 84 652 SH   DFND 0 652 0 0
VANGUARD MID CAP GROWTH ETF Com 922908538 569 3,244 SH   SOLE 0 3,244 0 0
VANGUARD MID CAP GROWTH ETF Com 922908538 68 385 SH   DFND 0 385 0 0
VANGUARD REIT INDEX ETF Com 922908553 476 5,225 SH   SOLE 0 5,225 0 0
VANGUARD REIT INDEX ETF Com 922908553 160 1,755 SH   DFND 0 1,755 0 0
VANGUARD LARGE CAP ETF Com 922908637 9,216 53,472 SH   SOLE 0 53,472 0 0
VANGUARD TOTAL STOCK MKT ETF Com 922908769 4,912 26,041 SH   SOLE 0 26,041 0 0
VERIZON COMMUNICATIONS Com 92343V104 6,922 136,389 SH   SOLE 0 136,239 0 150
VERIZON COMMUNICATIONS Com 92343V104 382 7,533 SH   DFND 0 7,533 0 0
VISA INC Com 92826C839 10,044 51,015 SH   SOLE 0 50,686 0 329
VISA INC Com 92826C839 152 772 SH   DFND 0 772 0 0
WEC ENERGY GROUP INC Com 92939U106 837 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 1,658 13,634 SH   SOLE 0 13,595 0 39
WALMART STORES INC Com 931142103 194 1,593 SH   DFND 0 1,593 0 0
WARNER BROS DISCOVERY INC Com 934423104 93 6,920 SH   SOLE 0 6,920 0 0
WARNER BROS DISCOVERY INC Com 934423104 44 3,303 SH   DFND 0 3,303 0 0
WASTE MANAGEMENT Com 94106L109 298 1,946 SH   SOLE 0 1,946 0 0
WATTS WATER TECHNOLOGIES-A Com 942749102 614 4,995 SH   SOLE 0 4,905 0 90
YUM BRANDS INC Com 988498101 146 1,286 SH   SOLE 0 1,286 0 0
YUM BRANDS INC Com 988498101 79 700 SH   DFND 0 700 0 0
ACCENTURE PLC Com G1151C101 8,195 29,516 SH   SOLE 0 29,022 0 494
ACCENTURE PLC Com G1151C101 11 40 SH   DFND 0 40 0 0
EATON CORP PLC Com G29183103 7,464 59,245 SH   SOLE 0 58,580 0 665
EATON CORP PLC Com G29183103 105 837 SH   DFND 0 837 0 0
JOHNSON CONTROLS INTERNATIONAL PLC Com G51502105 3,265 68,190 SH   SOLE 0 68,040 0 150
LINDE PLC Com G5494J103 499 1,736 SH   SOLE 0 1,736 0 0
LINDE PLC Com G5494J103 65 225 SH   DFND 0 225 0 0
MEDTRONIC PLC Com G5960L103 6,487 72,282 SH   SOLE 0 71,594 0 688
SENSATA TECHNOLOGIES HOLDING PLC Com G8060N102 388 9,394 SH   SOLE 0 9,244 0 150
TRANE TECHNOLOGIES PUBLIC LTD CO Com G8994E103 266 2,050 SH   SOLE 0 2,050 0 0
TRANE TECHNOLOGIES PUBLIC LTD CO Com G8994E103 649 5,000 SH   DFND 0 5,000 0 0