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
EATON CORP PLC COMMON STOCK G29183103 374 3,670 SH   SOLE   1,670 0 2,000
EATON CORP PLC COMMON STOCK G29183103 13 125 SH   DFND   125 0 0
JOHNSON CONTROLS INTERNATIONAL PLC COMMON STOCK G51502105 186 4,545 SH   SOLE   3,471 0 1,074
JOHNSON CONTROLS INTERNATIONAL PLC COMMON STOCK G51502105 26 637 SH   DFND   519 0 118
MEDTRONIC PLC FOREIGN EQUITIES G5960L103 1,050 10,100 SH   SOLE   7,879 0 2,221
MEDTRONIC PLC FOREIGN EQUITIES G5960L103 374 3,598 SH   DFND   3,480 0 118
TE CONNECTIVITY LTD COMMON STOCK H84989104 749 7,664 SH   SOLE   5,340 0 2,324
TE CONNECTIVITY LTD COMMON STOCK H84989104 178 1,825 SH   DFND   1,700 0 125
A T & T INC COMMON STOCK 00206R102 2,033 71,348 SH   SOLE   71,348 0 0
A T & T INC COMMON STOCK 00206R102 338 11,872 SH   DFND   9,912 0 1,960
ABBOTT LABS COM COMMON STOCK 002824100 1,602 14,721 SH   SOLE   11,721 0 3,000
ABBOTT LABS COM COMMON STOCK 002824100 141 1,299 SH   DFND   1,299 0 0
ABBVIE INC COMMON STOCK 00287Y109 1,449 16,542 SH   SOLE   13,542 0 3,000
ABBVIE INC COMMON STOCK 00287Y109 96 1,099 SH   DFND   1,099 0 0
ALPHABET INC - CLASS C COMMON STOCK 02079K107 1,079 734 SH   SOLE   734 0 0
ALPHABET INC - CLASS A COMMON STOCK 02079K305 1,206 823 SH   SOLE   753 0 70
ALPHABET INC - CLASS A COMMON STOCK 02079K305 193 132 SH   DFND   0 0 132
ALTRIA GROUP INC COM COMMON STOCK 02209S103 562 14,546 SH   SOLE   12,546 0 2,000
ALTRIA GROUP INC COM COMMON STOCK 02209S103 170 4,390 SH   DFND   450 0 3,940
AMAZON COM INC. COMMON STOCK 023135106 655 208 SH   SOLE   208 0 0
AMAZON COM INC. COMMON STOCK 023135106 28 9 SH   DFND   9 0 0
AMETEK INC NEW COM COMMON STOCK 031100100 343 3,450 SH   DFND   3,450 0 0
AMGEN INC COM COMMON STOCK 031162100 572 2,250 SH   SOLE   2,250 0 0
AMGEN INC COM COMMON STOCK 031162100 141 555 SH   DFND   0 0 555
APPLE INC COMMON STOCK 037833100 15,526 134,063 SH   SOLE   115,223 0 18,840
APPLE INC COMMON STOCK 037833100 5,601 48,364 SH   DFND   33,840 0 14,524
AUTOMATIC DATA PROCESSING INCOM COMMON STOCK 053015103 481 3,450 SH   SOLE   3,450 0 0
AUTOMATIC DATA PROCESSING INCOM COMMON STOCK 053015103 195 1,400 SH   DFND   1,400 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104 692 28,739 SH   SOLE   22,883 332 5,524
BANK OF AMERICA CORP COMMON STOCK 060505104 337 14,008 SH   DFND   12,776 0 1,232
BANK NEW YORK MELLON CORP COMMON STOCK 064058100 180 5,228 SH   SOLE   5,228 0 0
BANK NEW YORK MELLON CORP COMMON STOCK 064058100 86 2,500 SH   DFND   2,200 0 300
BAXTER INTL INC COM COMMON STOCK 071813109 2,319 28,835 SH   SOLE   24,607 0 4,228
BAXTER INTL INC COM COMMON STOCK 071813109 197 2,450 SH   DFND   200 0 2,250
BERKSHIRE HATHAWAY INC. DELWARE CL COMMON STOCK 084670108 640 2 SH   SOLE   2 0 0
BERKSHIRE HATHAWAY INC DEL COMMON STOCK 084670702 479 2,249 SH   SOLE   2,249 0 0
BLACKROCK SBI MUTUAL FUNDS - FIXED INCOME 09249E101 1,360 86,848 SH   SOLE   85,780 0 1,068
BLACKROCK SBI MUTUAL FUNDS - FIXED INCOME 09249E101 100 6,399 SH   DFND   936 0 5,463
BRISTOL MYERS SQUIBB CO COM COMMON STOCK 110122108 1,900 31,522 SH   SOLE   27,294 0 4,228
BRISTOL MYERS SQUIBB CO COM COMMON STOCK 110122108 259 4,300 SH   DFND   3,700 0 600
CIGNA CORP NEW COMMON STOCK 125523100 301 1,774 SH   SOLE   1,774 0 0
CIGNA CORP NEW COMMON STOCK 125523100 9 51 SH   DFND   42 0 9
CVS HEALTH CORPORATION COMMON STOCK 126650100 274 4,690 SH   SOLE   2,690 0 2,000
CVS HEALTH CORPORATION COMMON STOCK 126650100 248 4,250 SH   DFND   4,250 0 0
CATERPILLAR INC DEL COM COMMON STOCK 149123101 429 2,876 SH   SOLE   2,876 0 0
CATERPILLAR INC DEL COM COMMON STOCK 149123101 1,084 7,270 SH   DFND   4,300 0 2,970
CHEVRON CORPORATION COMMON STOCK 166764100 2,065 28,679 SH   SOLE   27,707 0 972
CHEVRON CORPORATION COMMON STOCK 166764100 401 5,576 SH   DFND   4,456 0 1,120
CISCO SYS INC COM COMMON STOCK 17275R102 324 8,238 SH   SOLE   8,238 0 0
COCA COLA CO COM COMMON STOCK 191216100 575 11,654 SH   SOLE   11,654 0 0
COCA COLA CO COM COMMON STOCK 191216100 94 1,900 SH   DFND   800 0 1,100
COLGATE PALMOLIVE CO COM COMMON STOCK 194162103 588 7,616 SH   SOLE   7,616 0 0
COMCAST CORP CLASS A COMMON STOCK 20030N101 918 19,850 SH   SOLE   19,850 0 0
COMCAST CORP CLASS A COMMON STOCK 20030N101 89 1,920 SH   DFND   920 0 1,000
CONOCOPHILLIPS COM COMMON STOCK 20825C104 597 18,191 SH   SOLE   16,887 0 1,304
CONOCOPHILLIPS COM COMMON STOCK 20825C104 52 1,580 SH   DFND   0 0 1,580
CORNING INC COM COMMON STOCK 219350105 1,652 50,976 SH   SOLE   39,443 0 11,533
CORNING INC COM COMMON STOCK 219350105 296 9,150 SH   DFND   8,350 0 800
CORTEVA INC COMMON STOCK 22052L104 390 13,537 SH   SOLE   12,235 0 1,302
CORTEVA INC COMMON STOCK 22052L104 35 1,215 SH   DFND   53 0 1,162
DEERE & CO COM COMMON STOCK 244199105 410 1,850 SH   SOLE   1,850 0 0
DEERE & CO COM COMMON STOCK 244199105 18 80 SH   DFND   80 0 0
DISNEY (WALT) COMPANY HOLDING CO COMMON STOCK 254687106 2,104 16,953 SH   SOLE   13,453 0 3,500
DISNEY (WALT) COMPANY HOLDING CO COMMON STOCK 254687106 199 1,605 SH   DFND   805 0 800
DOMINION ENERGY INC NPV COMMON STOCK 25746U109 592 7,501 SH   SOLE   7,501 0 0
DOMINION ENERGY INC NPV COMMON STOCK 25746U109 22 275 SH   DFND   275 0 0
DOW INC COMMON STOCK 260557103 651 13,833 SH   SOLE   12,531 0 1,302
DOW INC COMMON STOCK 260557103 57 1,215 SH   DFND   53 0 1,162
DUKE ENERGY CORP NEW COMMON STOCK 26441C204 764 8,622 SH   SOLE   8,622 0 0
DUKE ENERGY CORP NEW COMMON STOCK 26441C204 132 1,485 SH   DFND   806 0 679
DUPONT DE NEMOURS INC. COMMON STOCK 26614N102 780 14,063 SH   SOLE   12,761 0 1,302
DUPONT DE NEMOURS INC. COMMON STOCK 26614N102 67 1,215 SH   DFND   53 0 1,162
EMERSON ELEC CO COM COMMON STOCK 291011104 1,117 17,031 SH   SOLE   12,031 0 5,000
EMERSON ELEC CO COM COMMON STOCK 291011104 297 4,525 SH   DFND   3,135 0 1,390
ESSENTIAL UTILITIES INC COMMON STOCK 29670G102 4,369 108,538 SH   SOLE   93,115 625 14,798
ESSENTIAL UTILITIES INC COMMON STOCK 29670G102 809 20,109 SH   DFND   12,353 0 7,756
EXELON CORP COMMON STOCK 30161N101 420 11,756 SH   SOLE   11,756 0 0
EXXON MOBIL CORP COM COMMON STOCK 30231G102 1,904 55,479 SH   SOLE   50,938 0 4,541
EXXON MOBIL CORP COM COMMON STOCK 30231G102 513 14,941 SH   DFND   9,640 0 5,301
FIRST BK WILLIAMSTOWN NEW USD 0.01 COMMON STOCK 31931U102 79 12,700 SH   SOLE   12,700 0 0
FISERV INC COM COMMON STOCK 337738108 441 4,280 SH   SOLE   4,280 0 0
GENERAL ELECTRIC CO COM COMMON STOCK 369604103 678 108,810 SH   SOLE   100,201 0 8,609
GENERAL ELECTRIC CO COM COMMON STOCK 369604103 200 32,170 SH   DFND   17,255 0 14,915
GENERAL MLS INC COM COMMON STOCK 370334104 126 2,050 SH   SOLE   2,050 0 0
GENERAL MLS INC COM COMMON STOCK 370334104 186 3,020 SH   DFND   2,920 0 100
H P INC COMMON STOCK 40434L105 467 24,610 SH   SOLE   20,610 0 4,000
H P INC COMMON STOCK 40434L105 84 4,450 SH   DFND   3,975 0 475
THE HERSHEY COMPANY COM COMMON STOCK 427866108 228 1,592 SH   SOLE   1,592 0 0
HEWLETT PACKARD ENTERPRISE CO COMMON STOCK 42824C109 212 22,642 SH   SOLE   18,642 0 4,000
HEWLETT PACKARD ENTERPRISE CO COMMON STOCK 42824C109 42 4,450 SH   DFND   3,975 0 475
HOME DEPOT INC COM COMMON STOCK 437076102 9,044 32,566 SH   SOLE   27,800 0 4,766
HOME DEPOT INC COM COMMON STOCK 437076102 930 3,350 SH   DFND   2,410 0 940
HONEYWELL INTL INC COM COMMON STOCK 438516106 3,850 23,387 SH   SOLE   20,159 0 3,228
HONEYWELL INTL INC COM COMMON STOCK 438516106 1,028 6,243 SH   DFND   2,835 0 3,408
ILLINOIS TOOL WKS INC COM COMMON STOCK 452308109 474 2,454 SH   SOLE   2,454 0 0
INTEL CORP COM COMMON STOCK 458140100 2,410 46,545 SH   SOLE   41,857 0 4,688
INTEL CORP COM COMMON STOCK 458140100 634 12,245 SH   DFND   3,705 0 8,540
INTERNATIONAL BUSINESS MACHSCOM COMMON STOCK 459200101 874 7,184 SH   SOLE   6,584 0 600
INTERNATIONAL BUSINESS MACHSCOM COMMON STOCK 459200101 426 3,498 SH   DFND   2,660 0 838
INVESCO WATER RESOURCES ETF ETF - EQUITY SMALL CAP 46137V142 6,231 157,029 SH   SOLE   134,568 0 22,461
INVESCO WATER RESOURCES ETF ETF - EQUITY SMALL CAP 46137V142 493 12,425 SH   DFND   4,025 0 8,400
INVESCO PREFERRED ETF ETF - FIXED INCOME 46138E511 9,000 610,978 SH   SOLE   586,825 0 24,153
INVESCO PREFERRED ETF ETF - FIXED INCOME 46138E511 547 37,103 SH   DFND   19,203 0 17,900
I SHARES CORE S & P TOTAL U S STOCK MARKET ETF - EQUITY LARGE CAP 464287150 1,636 21,670 SH   SOLE   21,670 0 0
I SHARES SELECT DIVIDEND ETF ETF - EQUITY LARGE CAP 464287168 15,026 184,274 SH   SOLE   169,344 0 14,930
I SHARES SELECT DIVIDEND ETF ETF - EQUITY LARGE CAP 464287168 929 11,397 SH   DFND   8,347 0 3,050
I SHRS TIPS BOND ETF ETF - FIXED INCOME 464287176 10,751 84,987 SH   SOLE   80,381 200 4,406
I SHRS TIPS BOND ETF ETF - FIXED INCOME 464287176 716 5,660 SH   DFND   2,405 0 3,255
I SHARES CORE S & P 500 ETF ETF - EQUITY LARGE CAP 464287200 213 634 SH   SOLE   634 0 0
ISHARES S & P GROWTH ETF ETF - EQUITY LARGE CAP 464287309 1,587 6,866 SH   SOLE   5,366 0 1,500
I SHARES S & P 500 VALUE ETF ETF - EQUITY LARGE CAP 464287408 624 5,545 SH   SOLE   5,545 0 0
I SHARES MSCI EAFE ETF ETF - FOREIGN EQUITY 464287465 325 5,100 SH   SOLE   5,100 0 0
I SHARES RUSSELL MID-CAP ETF ETF - EQUITY MID CAP 464287499 267 4,660 SH   SOLE   4,660 0 0
I SHARES S & P MIDCAP 400 GROWTH ETF ETF - EQUITY MID CAP 464287606 267 1,115 SH   SOLE   1,115 0 0
I SHRS MOMENTUM ETF - EQUITY LARGE CAP 46432F396 331 2,245 SH   SOLE   2,245 0 0
I SHARES MSCI EAFE CORE ETF - FOREIGN EQUITY 46432F842 16,353 271,326 SH   SOLE   224,001 0 47,325
I SHARES MSCI EAFE CORE ETF - FOREIGN EQUITY 46432F842 1,372 22,759 SH   DFND   14,594 0 8,165
I SHARES CORE MSCI EMERGING MICB ETF - FOREIGN EQUITY 46434G103 245 4,645 SH   SOLE   4,645 0 0
J P MORGAN CHASE & CO COMMON STOCK 46625H100 883 9,168 SH   SOLE   9,168 0 0
J P MORGAN CHASE & CO COMMON STOCK 46625H100 6 65 SH   DFND   0 0 65
JOHNSON & JOHNSON COM COMMON STOCK 478160104 6,117 41,090 SH   SOLE   38,762 0 2,328
JOHNSON & JOHNSON COM COMMON STOCK 478160104 1,468 9,863 SH   DFND   5,695 0 4,168
KIMBERLY CLARK CORP COM COMMON STOCK 494368103 3,748 25,386 SH   SOLE   23,215 0 2,171
KIMBERLY CLARK CORP COM COMMON STOCK 494368103 512 3,465 SH   DFND   2,980 0 485
L3HARRIS TECHNOLOGIES INC COMMON STOCK 502431109 256 1,509 SH   SOLE   1,509 0 0
LILLY ELI & CO COM COMMON STOCK 532457108 495 3,347 SH   SOLE   3,347 0 0
LILLY ELI & CO COM COMMON STOCK 532457108 148 1,000 SH   DFND   0 0 1,000
LOCKHEED MARTIN CORP COM COMMON STOCK 539830109 1,168 3,048 SH   SOLE   3,048 0 0
LOCKHEED MARTIN CORP COM COMMON STOCK 539830109 98 255 SH   DFND   75 0 180
LOWES COS INC COM COMMON STOCK 548661107 355 2,143 SH   SOLE   2,143 0 0
MANULIFE FINANCIAL FOREIGN EQUITIES 56501R106 143 10,306 SH   SOLE   10,306 0 0
MANULIFE FINANCIAL FOREIGN EQUITIES 56501R106 8 586 SH   DFND   586 0 0
MCDONALDS CORP COM COMMON STOCK 580135101 2,852 12,996 SH   SOLE   10,996 0 2,000
MCDONALDS CORP COM COMMON STOCK 580135101 427 1,945 SH   DFND   1,025 0 920
MERCK & CO INC NEW COMMON STOCK 58933Y105 3,168 38,195 SH   SOLE   34,081 0 4,114
MERCK & CO INC NEW COMMON STOCK 58933Y105 509 6,140 SH   DFND   3,630 0 2,510
MICROSOFT CORP COM COMMON STOCK 594918104 10,379 49,348 SH   SOLE   44,968 0 4,380
MICROSOFT CORP COM COMMON STOCK 594918104 1,994 9,480 SH   DFND   2,640 0 6,840
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 520 9,053 SH   SOLE   7,669 0 1,384
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 119 2,068 SH   DFND   103 0 1,965
NEXTERA ENERGY INC COM COMMON STOCK 65339F101 1,465 5,280 SH   SOLE   5,280 0 0
NEXTERA ENERGY INC COM COMMON STOCK 65339F101 303 1,090 SH   DFND   1,090 0 0
NUVEEN SELECT TAX-FREE INCOME PORTFOLIO MUTUAL FUNDS-NON TAX 67062F100 260 15,560 SH   SOLE   15,560 0 0
NUVEEN SELECT TAX-FREE INCOME PORTFOLIO MUTUAL FUNDS-NON TAX 67062F100 239 14,350 SH   DFND   5,250 0 9,100
NVIDIA CORPORATION COMMON STOCK 67066G104 606 1,120 SH   SOLE   1,120 0 0
NUVEEN CREDIT STRATEGIES INCOME FUND PREFERRED STOCK 67073D102 765 129,503 SH   SOLE   116,601 0 12,902
NUVEEN CREDIT STRATEGIES INCOME FUND PREFERRED STOCK 67073D102 79 13,320 SH   DFND   8,500 0 4,820
NUVEEN MUNICIPAL VALUE FUND MUTUAL FUNDS-NON TAX 670928100 134 12,591 SH   SOLE   12,591 0 0
ORACLE CORP COM COMMON STOCK 68389X105 104 1,750 SH   SOLE   1,750 0 0
ORACLE CORP COM COMMON STOCK 68389X105 299 5,000 SH   DFND   5,000 0 0
PNC FINL SVCS GROUP INC COM COMMON STOCK 693475105 743 6,764 SH   SOLE   5,793 0 971
PNC FINL SVCS GROUP INC COM COMMON STOCK 693475105 181 1,650 SH   DFND   550 0 1,100
PPG INDS INC COM COMMON STOCK 693506107 329 2,695 SH   SOLE   2,695 0 0
PPL CORP COMMON COMMON STOCK 69351T106 509 18,717 SH   SOLE   18,717 0 0
PPL CORP COMMON COMMON STOCK 69351T106 80 2,930 SH   DFND   830 0 2,100
PEPSICO INC COM COMMON STOCK 713448108 6,863 49,520 SH   SOLE   45,546 0 3,974
PEPSICO INC COM COMMON STOCK 713448108 757 5,465 SH   DFND   2,330 0 3,135
PFIZER INC COM COMMON STOCK 717081103 2,289 62,361 SH   SOLE   57,633 0 4,728
PFIZER INC COM COMMON STOCK 717081103 353 9,606 SH   DFND   7,320 0 2,286
PHILLIP MORRIS INTERNATIONALINC COMMON STOCK 718172109 864 11,528 SH   SOLE   9,528 0 2,000
PHILLIP MORRIS INTERNATIONALINC COMMON STOCK 718172109 291 3,879 SH   DFND   389 0 3,490
PHILLIPS 66 COMMON STOCK 718546104 535 10,324 SH   SOLE   9,672 0 652
PHILLIPS 66 COMMON STOCK 718546104 18 340 SH   DFND   50 0 290
PROCTER AND GAMBLE CO COM COMMON STOCK 742718109 5,343 38,444 SH   SOLE   34,656 0 3,788
PROCTER AND GAMBLE CO COM COMMON STOCK 742718109 1,269 9,130 SH   DFND   6,015 0 3,115
PROSHARES ULTRA S & P 500 EFT ETF - EQUITY LARGE CAP 74347R107 598 8,140 SH   SOLE   8,140 0 0
PUBLIC SVC ENTERPRISE GRP INCOM COMMON STOCK 744573106 272 4,948 SH   SOLE   4,948 0 0
PUBLIC SVC ENTERPRISE GRP INCOM COMMON STOCK 744573106 51 936 SH   DFND   936 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 229 3,988 SH   SOLE   3,988 0 0
SCHLUMBERGER LTD COM COMMON STOCK 806857108 164 10,524 SH   SOLE   6,676 0 3,848
SCHLUMBERGER LTD COM COMMON STOCK 806857108 16 1,045 SH   DFND   870 0 175
SOUTHERN CO COM COMMON STOCK 842587107 252 4,648 SH   SOLE   4,648 0 0
SOUTHERN CO COM COMMON STOCK 842587107 104 1,925 SH   DFND   1,075 0 850
TARGET CORP COMMON STOCK 87612E106 5,336 33,894 SH   SOLE   28,666 0 5,228
TARGET CORP COMMON STOCK 87612E106 324 2,060 SH   DFND   1,120 0 940
3M CO COMMON COMMON STOCK 88579Y101 3,211 20,049 SH   SOLE   17,307 0 2,742
3M CO COMMON COMMON STOCK 88579Y101 418 2,608 SH   DFND   2,040 0 568
VANECK VEC AGRIBUSINESS ETF ETF - EQUITY LARGE CAP 92189F700 1,636 24,244 SH   SOLE   20,016 0 4,228
VANECK VEC AGRIBUSINESS ETF ETF - EQUITY LARGE CAP 92189F700 81 1,205 SH   DFND   805 0 400
VANGUARD INTERMEDIATE TERM BOND INDEX ETF ETF - FIXED INCOME 921937819 33,572 359,139 SH   SOLE   329,724 490 28,925
VANGUARD INTERMEDIATE TERM BOND INDEX ETF ETF - FIXED INCOME 921937819 2,155 23,058 SH   DFND   11,328 0 11,730
VANGUARD FTSE DEVELOPED MARKET ETF ETF - FOREIGN EQUITY 921943858 1,250 30,565 SH   SOLE   16,295 0 14,270
VANGUARD FTSE DEVELOPED MARKET ETF ETF - FOREIGN EQUITY 921943858 6 145 SH   DFND   145 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF - FOREIGN EQUITY 922042858 495 11,441 SH   SOLE   11,441 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF - FOREIGN EQUITY 922042858 11 246 SH   DFND   246 0 0
VANGUARD SHORT TERM CORP BD ETF #3145 ETF - FIXED INCOME 92206C409 47,629 574,882 SH   SOLE   547,585 700 26,597
VANGUARD SHORT TERM CORP BD ETF #3145 ETF - FIXED INCOME 92206C409 4,748 57,308 SH   DFND   24,463 0 32,845
VANGUARD REIT INDEX #0986 ETF - EQUITY LARGE CAP 922908553 1,808 22,897 SH   SOLE   20,797 0 2,100
VANGUARD REIT INDEX #0986 ETF - EQUITY LARGE CAP 922908553 144 1,828 SH   DFND   233 0 1,595
VANGUARD TOTAL STOCK MARKET ETF ETF - EQUITY LARGE CAP 922908769 77,836 457,028 SH   SOLE   349,194 200 107,634
VANGUARD TOTAL STOCK MARKET ETF ETF - EQUITY LARGE CAP 922908769 2,715 15,944 SH   DFND   10,221 0 5,723
VERIZON COMMUNICATIONS INC COMMON STOCK 92343V104 4,940 83,048 SH   SOLE   78,898 0 4,150
VERIZON COMMUNICATIONS INC COMMON STOCK 92343V104 509 8,556 SH   DFND   6,186 0 2,370
WALMART INC COM COMMON STOCK 931142103 1,460 10,433 SH   SOLE   8,705 0 1,728
WALMART INC COM COMMON STOCK 931142103 136 970 SH   DFND   870 0 100
WELLS FARGO & CO NEW COMMON STOCK 949746101 227 9,660 SH   SOLE   8,550 0 1,110
WELLS FARGO & CO NEW COMMON STOCK 949746101 50 2,108 SH   DFND   1,194 0 914
XCEL ENERGY INC COM COMMON STOCK 98389B100 584 8,459 SH   SOLE   6,987 0 1,472
XCEL ENERGY INC COM COMMON STOCK 98389B100 128 1,849 SH   DFND   1,232 0 617
YUM BRANDS INC COMMON STOCK 988498101 836 9,156 SH   SOLE   7,726 0 1,430
YUM BRANDS INC COMMON STOCK 988498101 166 1,818 SH   DFND   550 0 1,268
YUM CHINA HOLDINGS INC COMMON STOCK 98850P109 540 10,201 SH   SOLE   8,771 0 1,430
YUM CHINA HOLDINGS INC COMMON STOCK 98850P109 99 1,868 SH   DFND   600 0 1,268
ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102 383 2,811 SH   SOLE   2,588 0 223
ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102 81 597 SH   DFND   210 0 387