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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AT&T INC Com 00206R102   1,044,331 59,337 SH   SOLE 0 59,337 0 0
AT&T INC Com 00206R102   193,213 10,978 SH   DFND 0 10,978 0 0
ABBOTT LABORATORIES Com 002824100   2,243,876 19,742 SH   SOLE 0 19,742 0 0
ABBOTT LABORATORIES Com 002824100   93,883 826 SH   DFND 0 826 0 0
ABBVIE INC Com 00287Y109   3,485,758 19,142 SH   SOLE 0 19,142 0 0
ABBVIE INC Com 00287Y109   116,362 639 SH   DFND 0 639 0 0
ADOBE INC Com 00724F101   7,495,328 14,854 SH   SOLE 0 14,573 0 281
ADVANCED MICRO DEVICES Com 007903107   278,316 1,542 SH   SOLE 0 1,542 0 0
AIR PRODUCTS & CHEMICALS INC Com 009158106   334,575 1,381 SH   SOLE 0 1,381 0 0
ALPHABET INC CL C Com 02079K107   6,966,047 45,751 SH   SOLE 0 45,501 0 250
ALPHABET INC CL C Com 02079K107   143,124 940 SH   DFND 0 940 0 0
ALPHABET INC CL A Com 02079K305   16,410,921 108,732 SH   SOLE 0 107,592 0 1,140
ALPHABET INC CL A Com 02079K305   141,874 940 SH   DFND 0 940 0 0
AMAZON COM INC Com 023135106   17,954,123 99,535 SH   SOLE 0 98,724 0 811
AMAZON COM INC Com 023135106   164,146 910 SH   DFND 0 910 0 0
AMEREN CORP Com 023608102   354,638 4,795 SH   SOLE 0 4,795 0 0
AMERICAN EXPRESS CO Com 025816109   1,312,861 5,766 SH   SOLE 0 5,766 0 0
AMERICAN NATIONAL BANKSHARES INC Com 027745108   476,836 9,984 SH   SOLE 0 9,984 0 0
AMERICAN TOWER CORP Com 03027X100   1,157,482 5,858 SH   SOLE 0 5,858 0 0
CENCORA INC Com 03073E105   431,793 1,777 SH   SOLE 0 1,777 0 0
AMERIPRISE FINANCIAL INC Com 03076C106   318,307 726 SH   SOLE 0 726 0 0
AMGEN INC Com 031162100   8,343,370 29,345 SH   SOLE 0 29,245 0 100
AMGEN INC Com 031162100   885,088 3,113 SH   DFND 0 3,113 0 0
ANALOG DEVICES INC Com 032654105   621,852 3,144 SH   SOLE 0 3,144 0 0
APPLE INC Com 037833100   47,093,895 274,632 SH   SOLE 0 272,289 0 2,343
APPLE INC Com 037833100   591,263 3,448 SH   DFND 0 3,448 0 0
APPLIED MATERIALS INC Com 038222105   1,321,522 6,408 SH   SOLE 0 6,408 0 0
AUTOMATIC DATA PROCESSING INC Com 053015103   1,984,934 7,948 SH   SOLE 0 7,948 0 0
AUTOMATIC DATA PROCESSING INC Com 053015103   802,415 3,213 SH   DFND 0 3,213 0 0
AUTOZONE INC Com 053332102   330,923 105 SH   SOLE 0 105 0 0
BALL CORP Com 058498106   303,659 4,508 SH   SOLE 0 4,508 0 0
BANK OF AMERICA CORP Com 060505104   460,993 12,157 SH   SOLE 0 12,157 0 0
BANK OF AMERICA CORP Com 060505104   56,880 1,500 SH   DFND 0 1,500 0 0
BANK OF NEW YORK MELLON CORP Com 064058100   277,671 4,819 SH   SOLE 0 4,819 0 0
BERKSHIRE HATHAWAY INC A Com 084670108   634,440 1 SH   SOLE 0 1 0 0
BERKSHIRE HATHAWAY INC B Com 084670702   14,496,165 34,472 SH   SOLE 0 34,150 0 322
BERKSHIRE HATHAWAY INC B Com 084670702   85,786 204 SH   DFND 0 204 0 0
BLACKROCK INC Com 09247X101   845,372 1,014 SH   SOLE 0 1,005 0 9
BRISTOL MYERS SQUIBB CO Com 110122108   1,184,004 21,833 SH   SOLE 0 21,715 0 118
BRISTOL MYERS SQUIBB CO Com 110122108   342,462 6,315 SH   DFND 0 6,315 0 0
BROADRIDGE FINL SOLUTIONS INC Com 11133T103   206,499 1,008 SH   SOLE 0 1,008 0 0
BROADCOM INC Com 11135F101   32,465,918 24,495 SH   SOLE 0 24,211 0 284
BROADCOM INC Com 11135F101   307,495 232 SH   DFND 0 232 0 0
CSX CORP Com 126408103   670,596 18,090 SH   SOLE 0 18,090 0 0
CVS HEALTH CORPORATION Com 126650100   3,993,105 50,064 SH   SOLE 0 50,064 0 0
CVS HEALTH CORPORATION Com 126650100   79,760 1,000 SH   DFND 0 1,000 0 0
CARRIER GLOBAL CORP Com 14448C104   629,025 10,821 SH   SOLE 0 10,821 0 0
CARRIER GLOBAL CORP Com 14448C104   17,439 300 SH   DFND 0 300 0 0
CATERPILLAR INC Com 149123101   4,756,994 12,982 SH   SOLE 0 12,901 0 81
CENTENE CORP Com 15135B101   455,106 5,799 SH   SOLE 0 5,659 0 140
CHEVRON CORPORATION Com 166764100   1,483,229 9,403 SH   SOLE 0 9,403 0 0
CHEVRON CORPORATION Com 166764100   363,906 2,307 SH   DFND 0 2,307 0 0
CISCO SYSTEMS INC Com 17275R102   13,232,988 265,137 SH   SOLE 0 262,576 0 2,561
CISCO SYSTEMS INC Com 17275R102   267,717 5,364 SH   DFND 0 5,364 0 0
COCA COLA CO Com 191216100   939,970 15,364 SH   SOLE 0 15,364 0 0
COCA COLA CO Com 191216100   91,770 1,500 SH   DFND 0 1,500 0 0
COLGATE PALMOLIVE INC Com 194162103   285,729 3,173 SH   SOLE 0 3,173 0 0
COMCAST CORP Com 20030N101   7,693,801 177,481 SH   SOLE 0 177,481 0 0
COMCAST CORP Com 20030N101   14,782 341 SH   DFND 0 341 0 0
COMERICA INC Com 200340107   879,840 16,000 SH   SOLE 0 16,000 0 0
CONSOLIDATED EDISON INC Com 209115104   542,590 5,975 SH   SOLE 0 5,975 0 0
COSTCO WHOLESALE CORP Com 22160K105   1,508,485 2,059 SH   SOLE 0 2,059 0 0
COUPANG INC Com 22266T109   978,450 55,000 SH   SOLE 0 55,000 0 0
DANAHER CORP Com 235851102   1,501,067 6,011 SH   SOLE 0 6,011 0 0
DANAHER CORP Com 235851102   11,487 46 SH   DFND 0 46 0 0
DEERE & COMPANY Com 244199105   480,977 1,171 SH   SOLE 0 1,171 0 0
DEERE & COMPANY Com 244199105   10,679 26 SH   DFND 0 26 0 0
DIMENSIONAL EMERG CORE EQ MKT ETF Com 25434V302   19,162,623 775,187 SH   SOLE 0 772,130 0 3,057
WALT DISNEY CO Com 254687106   784,817 6,414 SH   SOLE 0 6,414 0 0
WALT DISNEY CO Com 254687106   15,295 125 SH   DFND 0 125 0 0
DOW INC Com 260557103   162,957 2,813 SH   SOLE 0 2,813 0 0
DOW INC Com 260557103   50,167 866 SH   DFND 0 866 0 0
EOG RESOURCES INC Com 26875P101   678,063 5,304 SH   SOLE 0 5,304 0 0
ECOLAB INC Com 278865100   263,919 1,143 SH   SOLE 0 1,143 0 0
EDWARDS LIFESCIENCES CORP Com 28176E108   1,718,933 17,988 SH   SOLE 0 17,988 0 0
EDWARDS LIFESCIENCES CORP Com 28176E108   4,778 50 SH   DFND 0 50 0 0
EMERSON ELECTRIC CO Com 291011104   7,153,513 63,071 SH   SOLE 0 62,471 0 600
EMERSON ELECTRIC CO Com 291011104   173,646 1,531 SH   DFND 0 1,531 0 0
ENTEGRIS INC Com 29362U104   212,637 1,513 SH   SOLE 0 1,513 0 0
EVERGY INC Com 30034W106   3,955,565 74,102 SH   SOLE 0 74,102 0 0
EVERGY INC Com 30034W106   40,035 750 SH   DFND 0 750 0 0
EXELON CORP Com 30161N101   226,923 6,040 SH   SOLE 0 6,040 0 0
EXXON MOBIL CORP Com 30231G102   3,381,073 29,087 SH   SOLE 0 29,087 0 0
EXXON MOBIL CORP Com 30231G102   90,086 775 SH   DFND 0 775 0 0
META PLATFORMS INC Com 30303M102   490,921 1,011 SH   SOLE 0 1,011 0 0
META PLATFORMS INC Com 30303M102   169,953 350 SH   DFND 0 350 0 0
FEDERATED HERMES INC Com 314211103   4,718,283 130,628 SH   SOLE 0 130,028 0 600
FEDERATED HERMES INC Com 314211103   42,260 1,170 SH   DFND 0 1,170 0 0
FIRST TRUST GLOBAL WIND ENERGY ETF Com 33736G106   1,083,903 70,292 SH   SOLE 0 69,899 0 393
FIRST TRUST GLOBAL WIND ENERGY ETF Com 33736G106   18,504 1,200 SH   DFND 0 1,200 0 0
FLEXSHARES QUALITY DIV DEFENSIVE ETF Com 33939L845   441,439 6,875 SH   SOLE 0 6,875 0 0
FLEXSHARES QUALITY DVD ETF Com 33939L860   10,669,906 161,886 SH   SOLE 0 160,136 0 1,750
GENERAL DYNAMICS CORP Com 369550108   31,921 113 SH   SOLE 0 113 0 0
GENERAL DYNAMICS CORP Com 369550108   172,884 612 SH   DFND 0 612 0 0
GE AEROSPACE Com 369604301   292,784 1,668 SH   SOLE 0 1,668 0 0
GE AEROSPACE Com 369604301   53,888 307 SH   DFND 0 307 0 0
GENERAL MILLS INC Com 370334104   185,001 2,644 SH   SOLE 0 2,644 0 0
GENERAL MILLS INC Com 370334104   92,710 1,325 SH   DFND 0 1,325 0 0
GSK PLC Com 37733W204   573,000 13,366 SH   SOLE 0 13,366 0 0
GOLDMAN SACHS ACTIVEBETA INTL EQUITY ETF Com 381430107   16,407,216 478,484 SH   SOLE 0 475,368 0 3,116
GOLDMAN SACHS ACTIVEBETA INTL EQUITY ETF Com 381430107   20,608 601 SH   DFND 0 601 0 0
GOLDMAN SACHS ACTIVEBETA US LGE CAP EQ ETF Com 381430503   11,065,882 106,618 SH   SOLE 0 106,618 0 0
GOLDMAN SACHS ACTIVEBETA US LGE CAP EQ ETF Com 381430503   12,351 119 SH   DFND 0 119 0 0
JACK HENRY & ASSOCIATES INC Com 426281101   281,964 1,623 SH   SOLE 0 1,623 0 0
HERSHEY COMPANY Com 427866108   363,521 1,869 SH   SOLE 0 1,869 0 0
HOLOGIC INC Com 436440101   676,537 8,678 SH   SOLE 0 8,580 0 98
HOME DEPOT INC Com 437076102   14,118,014 36,804 SH   SOLE 0 36,516 0 288
HOME DEPOT INC Com 437076102   258,930 675 SH   DFND 0 675 0 0
HONEYWELL INTL INC Com 438516106   7,796,216 37,984 SH   SOLE 0 37,874 0 110
HONEYWELL INTL INC Com 438516106   123,150 600 SH   DFND 0 600 0 0
ILLINOIS TOOL WORKS INC Com 452308109   302,676 1,128 SH   SOLE 0 1,128 0 0
ILLINOIS TOOL WORKS INC Com 452308109   714,831 2,664 SH   DFND 0 2,664 0 0
INGERSOLL RAND INC Com 45687V106   176,322 1,857 SH   SOLE 0 1,857 0 0
INGERSOLL RAND INC Com 45687V106   92,956 979 SH   DFND 0 979 0 0
INTEL CORP Com 458140100   957,826 21,685 SH   SOLE 0 21,685 0 0
INTEL CORP Com 458140100   268,156 6,071 SH   DFND 0 6,071 0 0
INTERCONTINENTAL EXCHANGE INC Com 45866F104   351,409 2,557 SH   SOLE 0 2,557 0 0
INTERNATIONAL BUSINESS MACHINES CORP Com 459200101   1,991,713 10,430 SH   SOLE 0 10,430 0 0
INTERNATIONAL BUSINESS MACHINES CORP Com 459200101   38,192 200 SH   DFND 0 200 0 0
INVESCO QQQ TRUST SERIES 1 ETF Com 46090E103   545,244 1,228 SH   SOLE 0 1,228 0 0
INTUIT Com 461202103   325,000 500 SH   SOLE 0 500 0 0
INVESCO WATER RESOURCES ETF Com 46137V142   1,098,938 16,508 SH   SOLE 0 16,268 0 240
INVESCO WATER RESOURCES ETF Com 46137V142   33,285 500 SH   DFND 0 500 0 0
INVESCO S&P 500 EQUAL WEIGHT ETF Com 46137V357   232,376 1,372 SH   SOLE 0 1,372 0 0
INVESCO MSCI SUSTAINABLE FUTURE ETF Com 46137V407   490,832 11,614 SH   SOLE 0 11,294 0 320
INVESCO MSCI SUSTAINABLE FUTURE ETF Com 46137V407   17,961 425 SH   DFND 0 425 0 0
INVESCO KBW BANK PORT ETF Com 46138E628   18,102,738 337,360 SH   SOLE 0 334,813 0 2,547
INVESCO KBW BANK PORT ETF Com 46138E628   116,979 2,180 SH   DFND 0 2,180 0 0
INVESCO SOLAR ETF Com 46138G706   910,077 20,059 SH   SOLE 0 19,966 0 93
INVESCO SOLAR ETF Com 46138G706   22,685 500 SH   DFND 0 500 0 0
ISHARES SELECT DIVIDEND ETF Com 464287168   930,625 7,555 SH   SOLE 0 7,555 0 0
ISHARES CORE S&P 500 ETF Com 464287200   59,958,455 114,048 SH   SOLE 0 113,641 0 407
ISHARES CORE TOT AGGR US BOND ETF Com 464287226   629,460 6,427 SH   SOLE 0 6,427 0 0
ISHARES IBOXX INV GRADE CORP BD ETF Com 464287242   1,100,637 10,105 SH   SOLE 0 10,105 0 0
ISHARES S&P GROWTH INDEX ETF Com 464287309   290,642 3,442 SH   SOLE 0 3,442 0 0
ISHARES MSCI EAFE INDEX ETF Com 464287465   1,422,866 17,817 SH   SOLE 0 17,817 0 0
ISHARES MSCI EAFE INDEX ETF Com 464287465   80,339 1,006 SH   DFND 0 1,006 0 0
ISHARES RUSSELL MID CAP ETF Com 464287499   243,104 2,891 SH   SOLE 0 2,891 0 0
ISHARES CORE S&P MIDCAP ETF Com 464287507   1,303,784 21,465 SH   SOLE 0 21,465 0 0
ISHARES RUSSELL 1000 VALUE ETF Com 464287598   494,164 2,759 SH   SOLE 0 2,759 0 0
ISHARES RUSSELL 1000 GROWTH ETF Com 464287614   671,067 1,991 SH   SOLE 0 1,991 0 0
ISHARES RUSSELL 2000 ETF Com 464287655   343,630 1,634 SH   SOLE 0 1,634 0 0
ISHARES RUSSELL 3000 ETF Com 464287689   1,766,571 5,887 SH   SOLE 0 5,887 0 0
ISHARES CORE S&P SMALL CAP ETF Com 464287804   749,657 6,783 SH   SOLE 0 6,783 0 0
ISHARES CORE S&P SMALL CAP ETF Com 464287804   20,115 182 SH   DFND 0 182 0 0
ISHARES GLBL TIMBER & FORESTRY ETF Com 464288174   381,904 4,526 SH   SOLE 0 4,457 0 69
ISHARES NATL MUNI BOND ETF Com 464288414   21,407,343 198,953 SH   SOLE 0 195,953 0 3,000
ISHARES NATL MUNI BOND ETF Com 464288414   224,561 2,087 SH   DFND 0 2,087 0 0
ISHARES 5-10 YR INV GRADE CORP BOND ETF Com 464288638   252,014 4,884 SH   SOLE 0 4,884 0 0
ISHARES 1-5 YR INV GRADE CORP BD ETF Com 464288646   216,094 4,214 SH   SOLE 0 4,214 0 0
ISHARES MSCI USA ESG SELECT SOCIAL IDX ETF Com 464288802   2,284,601 20,927 SH   SOLE 0 20,767 0 160
ISHARES MSCI EAFE GROWTH ETF Com 464288885   389,939 3,757 SH   SOLE 0 3,757 0 0
ISHARES MSCI EAFE MIN VOL FACTOR ETF Com 46429B689   8,872,333 125,174 SH   SOLE 0 124,854 0 320
ISHARES MSCI EAFE MIN VOL FACTOR ETF Com 46429B689   11,199 158 SH   DFND 0 158 0 0
ISHARES EDGE MSCI MIN VOL USA ETF Com 46429B697   315,013 3,769 SH   SOLE 0 3,769 0 0
ISHARES EDGE MSCI USA QUAL FACT ETF Com 46432F339   759,133 4,619 SH   SOLE 0 4,619 0 0
ISHARES CORE MSCI EAFE ETF Com 46432F842   45,791,217 616,966 SH   SOLE 0 613,926 0 3,040
ISHARES CORE MSCI EAFE ETF Com 46432F842   232,012 3,126 SH   DFND 0 3,126 0 0
ISHARES U S EQUITY FACTOR ETF Com 46434V282   322,268 5,989 SH   SOLE 0 5,989 0 0
ISHARES MSCI INTL QUAL FACTOR ETF Com 46434V456   13,561,618 341,947 SH   SOLE 0 340,747 0 1,200
ISHARES MSCI INTL QUAL FACTOR ETF Com 46434V456   12,771 322 SH   DFND 0 322 0 0
ISHARES CORE DIVIDEND GROWTH ETF Com 46434V621   66,854,871 1,151,479 SH   SOLE 0 1,147,067 0 4,412
ISHARES CORE DIVIDEND GROWTH ETF Com 46434V621   8,709 150 SH   DFND 0 150 0 0
ISHARES MSCI JAPAN VALUE ETF Com 46435U374   200,909 6,046 SH   SOLE 0 6,046 0 0
JPMORGAN CHASE & CO Com 46625H100   18,761,700 93,668 SH   SOLE 0 93,160 0 508
JPMORGAN CHASE & CO Com 46625H100   97,146 485 SH   DFND 0 485 0 0
JPMORGAN US QUALITY FACTOR ETF Com 46641Q761   8,112,108 153,435 SH   SOLE 0 153,435 0 0
JOHNSON & JOHNSON CO Com 478160104   8,599,683 54,363 SH   SOLE 0 53,453 0 910
JOHNSON & JOHNSON CO Com 478160104   403,859 2,553 SH   DFND 0 2,553 0 0
KELLANOVA Com 487836108   229,905 4,013 SH   SOLE 0 4,013 0 0
KEYCORP NEW Com 493267108   325,496 20,588 SH   SOLE 0 20,308 0 280
KIMBERLY-CLARK CORP Com 494368103   1,094,301 8,460 SH   SOLE 0 8,460 0 0
KIMBERLY-CLARK CORP Com 494368103   155,220 1,200 SH   DFND 0 1,200 0 0
KROGER CO Com 501044101   17,050,391 298,449 SH   SOLE 0 296,087 0 2,362
KROGER CO Com 501044101   17,425 305 SH   DFND 0 305 0 0
ELI LILLY & CO Com 532457108   2,515,923 3,234 SH   SOLE 0 3,234 0 0
ELI LILLY & CO Com 532457108   516,565 664 SH   DFND 0 664 0 0
LINCOLN ELECTRIC HOLDINGS Com 533900106   10,154,506 39,753 SH   SOLE 0 39,236 0 517
LOWES COMPANIES INC Com 548661107   9,955,358 39,082 SH   SOLE 0 38,982 0 100
MARSH & MCLENNAN CO INC Com 571748102   480,757 2,334 SH   SOLE 0 2,334 0 0
MASCO CORP Com 574599106   558,470 7,080 SH   SOLE 0 7,080 0 0
MASTERCARD INC CL A Com 57636Q104   2,210,406 4,590 SH   SOLE 0 4,287 0 303
MASTERCARD INC CL A Com 57636Q104   38,526 80 SH   DFND 0 80 0 0
MCDONALDS CORP Com 580135101   1,078,459 3,825 SH   SOLE 0 3,825 0 0
MCDONALDS CORP Com 580135101   233,173 827 SH   DFND 0 827 0 0
MERCK & CO INC Com 58933Y105   18,179,015 137,772 SH   SOLE 0 137,113 0 659
MERCK & CO INC Com 58933Y105   244,108 1,850 SH   DFND 0 1,850 0 0
METLIFE INC Com 59156R108   5,856,543 79,025 SH   SOLE 0 78,825 0 200
METLIFE INC Com 59156R108   62,327 841 SH   DFND 0 841 0 0
MICROSOFT CORP Com 594918104   52,984,215 125,937 SH   SOLE 0 124,946 0 991
MICROSOFT CORP Com 594918104   1,503,233 3,573 SH   DFND 0 3,573 0 0
MONDELEZ INTERNATIONAL INC A Com 609207105   13,399,890 191,427 SH   SOLE 0 190,073 0 1,354
MONDELEZ INTERNATIONAL INC A Com 609207105   56,000 800 SH   DFND 0 800 0 0
MORGAN STANLEY Com 617446448   422,873 4,491 SH   SOLE 0 4,491 0 0
NASDAQ INC Com 631103108   94,650 1,500 SH   SOLE 0 1,500 0 0
NASDAQ INC Com 631103108   113,580 1,800 SH   DFND 0 1,800 0 0
NEXTERA ENERGY INC Com 65339F101   3,014,187 47,163 SH   SOLE 0 47,163 0 0
NIKE INC CLASS B Com 654106103   1,523,886 16,215 SH   SOLE 0 16,215 0 0
NIKE INC CLASS B Com 654106103   9,398 100 SH   DFND 0 100 0 0
NOVO-NORDISK A/S SPONS ADR Com 670100205   174,496 1,359 SH   SOLE 0 1,359 0 0
NOVO-NORDISK A/S SPONS ADR Com 670100205   359,520 2,800 SH   DFND 0 2,800 0 0
NVIDIA CORP Com 67066G104   2,098,970 2,323 SH   SOLE 0 2,323 0 0
ORACLE CORPORATION Com 68389X105   13,693,625 109,017 SH   SOLE 0 108,579 0 438
ORACLE CORPORATION Com 68389X105   39,316 313 SH   DFND 0 313 0 0
PNC FINANCIAL SERVICES GROUP Com 693475105   364,893 2,258 SH   SOLE 0 2,258 0 0
PNC FINANCIAL SERVICES GROUP Com 693475105   10,019 62 SH   DFND 0 62 0 0
PPG INDUSTRIES Com 693506107   411,806 2,842 SH   SOLE 0 2,842 0 0
PPG INDUSTRIES Com 693506107   41,876 289 SH   DFND 0 289 0 0
PPL CORP Com 69351T106   319,348 11,600 SH   SOLE 0 11,600 0 0
PARKER HANNIFIN CORP Com 701094104   277,895 500 SH   SOLE 0 500 0 0
PARKER HANNIFIN CORP Com 701094104   30,568 55 SH   DFND 0 55 0 0
PAYCHEX INC Com 704326107   205,690 1,675 SH   SOLE 0 1,675 0 0
PEPSICO INC Com 713448108   3,036,248 17,349 SH   SOLE 0 17,349 0 0
PEPSICO INC Com 713448108   568,607 3,249 SH   DFND 0 3,249 0 0
PFIZER INC Com 717081103   9,382,331 338,102 SH   SOLE 0 336,016 0 2,086
PFIZER INC Com 717081103   454,878 16,392 SH   DFND 0 16,392 0 0
PHILIP MORRIS INTERNATIONAL INC Com 718172109   318,013 3,471 SH   SOLE 0 3,471 0 0
PROCTER & GAMBLE CO Com 742718109   13,670,049 84,253 SH   SOLE 0 83,303 0 950
PROCTER & GAMBLE CO Com 742718109   499,730 3,080 SH   DFND 0 3,080 0 0
PUBLIC SERVICE ENTERPRISE GROUP Com 744573106   248,221 3,717 SH   SOLE 0 3,717 0 0
QUALCOMM Com 747525103   214,503 1,267 SH   SOLE 0 1,267 0 0
QUALCOMM Com 747525103   17,946 106 SH   DFND 0 106 0 0
QUEST DIAGNOSTICS INC Com 74834L100   249,448 1,874 SH   SOLE 0 1,874 0 0
RTX CORPORATION Com 75513E101   1,528,685 15,674 SH   SOLE 0 15,674 0 0
RTX CORPORATION Com 75513E101   29,259 300 SH   DFND 0 300 0 0
REGENERON PHARMACEUTICALS INC Com 75886F107   6,719,143 6,981 SH   SOLE 0 6,860 0 121
ROPER TECHNOLOGIES, INC Com 776696106   490,735 875 SH   SOLE 0 875 0 0
SHELL PLC ADR Com 780259305   129,856 1,937 SH   SOLE 0 1,937 0 0
SHELL PLC ADR Com 780259305   265,143 3,955 SH   DFND 0 3,955 0 0
S&P GLOBAL INC Com 78409V104   315,684 742 SH   SOLE 0 742 0 0
SPDR S&P500 ETF Com 78462F103   4,943,012 9,450 SH   SOLE 0 9,450 0 0
SPDR GOLD SHARES ETF Com 78463V107   470,893 2,289 SH   SOLE 0 2,289 0 0
SPDR S&P DIVIDEND ETF Com 78464A763   2,145,643 16,349 SH   SOLE 0 16,349 0 0
SPDR S&P MIDCAP 400 ETF Com 78467Y107   472,940 850 SH   SOLE 0 850 0 0
SANOFI ADR Com 80105N105   1,935,398 39,823 SH   SOLE 0 39,823 0 0
SANOFI ADR Com 80105N105   32,611 671 SH   DFND 0 671 0 0
SCHLUMBERGER LTD Com 806857108   256,401 4,678 SH   SOLE 0 4,678 0 0
CHARLES SCHWAB CORP Com 808513105   311,062 4,300 SH   SOLE 0 4,300 0 0
SCHWAB US DIVIDEND EQUITY ETF Com 808524797   10,367,567 128,582 SH   SOLE 0 128,282 0 300
SPDR MATERIALS SELECT SECTOR ETF Com 81369Y100   216,712 2,333 SH   SOLE 0 2,333 0 0
SPDR HEALTH CARE SEL SECT ETF Com 81369Y209   1,163,521 7,876 SH   SOLE 0 7,876 0 0
SPDR CONSUMER STAPLES SELECT SECTOR ETF Com 81369Y308   2,320,199 30,385 SH   SOLE 0 30,095 0 290
SPDR CONSUMER STAPLES SELECT SECTOR ETF Com 81369Y308   15,272 200 SH   DFND 0 200 0 0
SPDR CONSUMER DISC SELECT SECTOR ETF Com 81369Y407   1,497,600 8,144 SH   SOLE 0 8,144 0 0
SPDR CONSUMER DISC SELECT SECTOR ETF Com 81369Y407   36,778 200 SH   DFND 0 200 0 0
SPDR FINANCIAL SELECT SECTOR ETF Com 81369Y605   7,532,994 178,846 SH   SOLE 0 178,246 0 600
SPDR INDUSTRIAL SELECT SECTOR ETF Com 81369Y704   508,375 4,036 SH   SOLE 0 4,036 0 0
SPDR TECHNOLOGY SELECT SECTOR ETF Com 81369Y803   4,075,427 19,568 SH   SOLE 0 19,568 0 0
STARBUCKS CORP Com 855244109   4,918,610 53,820 SH   SOLE 0 53,508 0 312
STARBUCKS CORP Com 855244109   36,556 400 SH   DFND 0 400 0 0
STRYKER CORP Com 863667101   661,702 1,849 SH   SOLE 0 1,849 0 0
SYSCO CORPORATION Com 871829107   209,769 2,584 SH   SOLE 0 2,584 0 0
TJX COMPANIES INC Com 872540109   10,918,167 107,653 SH   SOLE 0 105,237 0 2,416
TJX COMPANIES INC Com 872540109   19,270 190 SH   DFND 0 190 0 0
TARGET CORP Com 87612E106   7,051,363 39,791 SH   SOLE 0 39,605 0 186
TARGET CORP Com 87612E106   29,594 167 SH   DFND 0 167 0 0
TETRA TECH INC Com 88162G103   752,139 4,072 SH   SOLE 0 4,072 0 0
TEXAS INSTRUMENTS INC Com 882508104   259,747 1,491 SH   SOLE 0 1,491 0 0
TEXAS INSTRUMENTS INC Com 882508104   143,026 821 SH   DFND 0 821 0 0
THERMO FISHER SCIENTIFIC Com 883556102   1,786,058 3,073 SH   SOLE 0 3,073 0 0
THERMO FISHER SCIENTIFIC Com 883556102   24,992 43 SH   DFND 0 43 0 0
3M CO Com 88579Y101   877,623 8,274 SH   SOLE 0 8,274 0 0
3M CO Com 88579Y101   15,911 150 SH   DFND 0 150 0 0
TOTALENERGIES SE SPON ADR Com 89151E109   14,606,414 212,210 SH   SOLE 0 210,791 0 1,419
TOTALENERGIES SE SPON ADR Com 89151E109   82,252 1,195 SH   DFND 0 1,195 0 0
TRAVELERS COS INC Com 89417E109   465,803 2,024 SH   SOLE 0 2,024 0 0
UNION PACIFIC CORP Com 907818108   1,380,651 5,614 SH   SOLE 0 5,614 0 0
UNION PACIFIC CORP Com 907818108   221,337 900 SH   DFND 0 900 0 0
UNITED PARCEL SERVICE INC Com 911312106   317,176 2,134 SH   SOLE 0 2,134 0 0
UNITED PARCEL SERVICE INC Com 911312106   104,041 700 SH   DFND 0 700 0 0
UNITEDHEALTH GROUP INC Com 91324P102   7,964,175 16,099 SH   SOLE 0 15,901 0 198
VALERO ENERGY CORP Com 91913Y100   295,635 1,732 SH   SOLE 0 1,732 0 0
VANGUARD DIVIDEND APPREC ETF Com 921908844   7,994,301 43,778 SH   SOLE 0 43,778 0 0
VANGUARD ESG INTL STOCK ETF Com 921910725   3,260,733 56,738 SH   SOLE 0 56,066 0 672
VANGUARD FTSE DEV MKT ETF Com 921943858   495,328 9,873 SH   SOLE 0 9,873 0 0
VANGUARD HIGH DIVIDEND YIELD ETF Com 921946406   477,064 3,943 SH   SOLE 0 3,943 0 0
VANGUARD SHORT TERM TIPS ETF Com 922020805   1,139,303 23,790 SH   SOLE 0 23,790 0 0
VANGUARD FTSE PACIFIC ETF Com 922042866   6,908,694 90,868 SH   SOLE 0 90,281 0 587
VANGUARD FTSE EUROPE ETF Com 922042874   8,985,378 133,433 SH   SOLE 0 132,327 0 1,106
VANGUARD HEALTH CARE ETF Com 92204A504   340,314 1,258 SH   SOLE 0 1,258 0 0
VANGUARD INDUSTRIALS ETF Com 92204A603   5,586,396 22,881 SH   SOLE 0 22,578 0 303
VANGUARD INDUSTRIALS ETF Com 92204A603   15,626 64 SH   DFND 0 64 0 0
VANGUARD INFO TECH ETF Com 92204A702   505,988 965 SH   SOLE 0 965 0 0
VANGUARD S&P 500 ETF Com 922908363   471,567 981 SH   SOLE 0 981 0 0
VANGUARD MID CAP VALUE ETF Com 922908512   16,654,774 106,823 SH   SOLE 0 106,073 0 750
VANGUARD MID CAP VALUE ETF Com 922908512   115,062 738 SH   DFND 0 738 0 0
VANGUARD MID CAP GROWTH ETF Com 922908538   489,972 2,078 SH   SOLE 0 2,078 0 0
VANGUARD MID CAP GROWTH ETF Com 922908538   90,779 385 SH   DFND 0 385 0 0
VANGUARD REIT INDEX ETF Com 922908553   302,594 3,499 SH   SOLE 0 3,499 0 0
VANGUARD REIT INDEX ETF Com 922908553   30,268 350 SH   DFND 0 350 0 0
VANGUARD LARGE CAP ETF Com 922908637   10,805,264 45,067 SH   SOLE 0 45,067 0 0
VANGUARD GROWTH ETF Com 922908736   368,294 1,070 SH   SOLE 0 1,070 0 0
VANGUARD VALUE ETF Com 922908744   206,344 1,267 SH   SOLE 0 1,267 0 0
VANGUARD TOTAL STOCK MKT ETF Com 922908769   4,047,163 15,572 SH   SOLE 0 15,572 0 0
VERIZON COMMUNICATIONS Com 92343V104   387,039 9,224 SH   SOLE 0 9,224 0 0
VERIZON COMMUNICATIONS Com 92343V104   273,076 6,508 SH   DFND 0 6,508 0 0
VISA INC Com 92826C839   12,822,331 45,945 SH   SOLE 0 45,785 0 160
VISA INC Com 92826C839   215,450 772 SH   DFND 0 772 0 0
WALMART STORES INC Com 931142103   2,625,999 43,643 SH   SOLE 0 43,043 0 600
WALMART STORES INC Com 931142103   274,014 4,554 SH   DFND 0 4,554 0 0
WASTE MANAGEMENT Com 94106L109   442,073 2,074 SH   SOLE 0 2,074 0 0
WATTS WATER TECHNOLOGIES Com 942749102   937,133 4,409 SH   SOLE 0 4,344 0 65
WISDOMTREE LARGE CAP DIVIDEND ETF Com 97717W307   203,431 2,818 SH   SOLE 0 2,818 0 0
YUM BRANDS INC Com 988498101   161,527 1,165 SH   SOLE 0 1,165 0 0
YUM BRANDS INC Com 988498101   97,055 700 SH   DFND 0 700 0 0
ACCENTURE PLC Com G1151C101   9,252,061 26,693 SH   SOLE 0 26,436 0 257
ACCENTURE PLC Com G1151C101   13,864 40 SH   DFND 0 40 0 0
EATON CORP PLC Com G29183103   12,867,095 41,151 SH   SOLE 0 40,969 0 182
EATON CORP PLC Com G29183103   261,713 837 SH   DFND 0 837 0 0
JOHNSON CONTROLS INTERNATIONAL PLC Com G51502105   3,686,008 56,430 SH   SOLE 0 56,032 0 398
LINDE PLC Com G54950103   865,492 1,864 SH   SOLE 0 1,864 0 0
LINDE PLC Com G54950103   104,472 225 SH   DFND 0 225 0 0
MEDTRONIC PLC Com G5960L103   6,079,758 69,762 SH   SOLE 0 69,369 0 393
TRANE TECHNOLOGIES PLC Com G8994E103   577,885 1,925 SH   SOLE 0 1,925 0 0
TRANE TECHNOLOGIES PLC Com G8994E103   1,216,110 4,051 SH   DFND 0 4,051 0 0
ASML HOLDING NV Com N07059210   242,618 250 SH   SOLE 0 250 0 0