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 503 3,635 SH   SOLE   1,635 0 2,000
EATON CORP PLC COMMON STOCK G29183103 17 125 SH   DFND   125 0 0
JOHNSON CONTROLS INTERNATIONAL PLC COMMON STOCK G51502105 271 4,545 SH   SOLE   3,471 0 1,074
JOHNSON CONTROLS INTERNATIONAL PLC COMMON STOCK G51502105 38 637 SH   DFND   519 0 118
MEDTRONIC PLC FOREIGN EQUITIES G5960L103 1,086 9,194 SH   SOLE   6,973 0 2,221
MEDTRONIC PLC FOREIGN EQUITIES G5960L103 425 3,598 SH   DFND   3,480 0 118
TE CONNECTIVITY LTD COMMON STOCK H84989104 928 7,189 SH   SOLE   4,865 0 2,324
TE CONNECTIVITY LTD COMMON STOCK H84989104 236 1,825 SH   DFND   1,700 0 125
A T & T INC COMMON STOCK 00206R102 2,237 73,901 SH   SOLE   73,901 0 0
A T & T INC COMMON STOCK 00206R102 359 11,872 SH   DFND   9,912 0 1,960
ABBOTT LABS COM COMMON STOCK 002824100 1,499 12,506 SH   SOLE   9,506 0 3,000
ABBOTT LABS COM COMMON STOCK 002824100 156 1,299 SH   DFND   1,299 0 0
ABBVIE INC COMMON STOCK 00287Y109 1,667 15,406 SH   SOLE   12,406 0 3,000
ABBVIE INC COMMON STOCK 00287Y109 92 849 SH   DFND   849 0 0
AGILENT TECHNOLOGIES INC COMMON STOCK 00846U101 187 1,473 SH   SOLE   1,473 0 0
AGILENT TECHNOLOGIES INC COMMON STOCK 00846U101 14 114 SH   DFND   76 0 38
ALPHABET INC - CLASS C COMMON STOCK 02079K107 1,516 733 SH   SOLE   733 0 0
ALPHABET INC - CLASS A COMMON STOCK 02079K305 1,693 821 SH   SOLE   751 0 70
ALPHABET INC - CLASS A COMMON STOCK 02079K305 210 102 SH   DFND   0 0 102
ALTRIA GROUP INC COM COMMON STOCK 02209S103 739 14,453 SH   SOLE   12,453 0 2,000
ALTRIA GROUP INC COM COMMON STOCK 02209S103 216 4,222 SH   DFND   450 0 3,772
AMAZON COM INC. COMMON STOCK 023135106 681 220 SH   SOLE   220 0 0
AMAZON COM INC. COMMON STOCK 023135106 28 9 SH   DFND   9 0 0
AMETEK INC NEW COM COMMON STOCK 031100100 441 3,450 SH   DFND   3,450 0 0
AMGEN INC COM COMMON STOCK 031162100 401 1,611 SH   SOLE   1,611 0 0
AMGEN INC COM COMMON STOCK 031162100 110 444 SH   DFND   0 0 444
APPLE INC COMMON STOCK 037833100 15,635 128,000 SH   SOLE   109,160 0 18,840
APPLE INC COMMON STOCK 037833100 5,703 46,690 SH   DFND   33,790 0 12,900
AUTOMATIC DATA PROCESSING INCOM COMMON STOCK 053015103 509 2,700 SH   SOLE   2,700 0 0
AUTOMATIC DATA PROCESSING INCOM COMMON STOCK 053015103 264 1,400 SH   DFND   1,400 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104 1,088 28,131 SH   SOLE   22,275 332 5,524
BANK OF AMERICA CORP COMMON STOCK 060505104 538 13,908 SH   DFND   12,776 0 1,132
BANK NEW YORK MELLON CORP COMMON STOCK 064058100 238 5,028 SH   SOLE   5,028 0 0
BANK NEW YORK MELLON CORP COMMON STOCK 064058100 118 2,500 SH   DFND   2,200 0 300
BAXTER INTL INC COM COMMON STOCK 071813109 2,339 27,730 SH   SOLE   23,502 0 4,228
BAXTER INTL INC COM COMMON STOCK 071813109 181 2,150 SH   DFND   200 0 1,950
BERKSHIRE HATHAWAY INC. DELWARE CL COMMON STOCK 084670108 771 2 SH   SOLE   2 0 0
BERKSHIRE HATHAWAY INC DEL COMMON STOCK 084670702 568 2,225 SH   SOLE   2,225 0 0
BLACKROCK SBI MUTUAL FUNDS - FIXED INCOME 09249E101 1,351 86,069 SH   SOLE   85,001 0 1,068
BLACKROCK SBI MUTUAL FUNDS - FIXED INCOME 09249E101 88 5,617 SH   DFND   936 0 4,681
BOEING CO COM COMMON STOCK 097023105 287 1,125 SH   SOLE   1,125 0 0
BRISTOL MYERS SQUIBB CO COM COMMON STOCK 110122108 1,959 31,028 SH   SOLE   26,800 0 4,228
BRISTOL MYERS SQUIBB CO COM COMMON STOCK 110122108 221 3,500 SH   DFND   2,900 0 600
CIGNA CORP NEW COMMON STOCK 125523100 425 1,760 SH   SOLE   1,760 0 0
CIGNA CORP NEW COMMON STOCK 125523100 11 46 SH   DFND   42 0 4
CVS HEALTH CORPORATION COMMON STOCK 126650100 366 4,860 SH   SOLE   2,860 0 2,000
CVS HEALTH CORPORATION COMMON STOCK 126650100 320 4,250 SH   DFND   4,250 0 0
CATERPILLAR INC COM COMMON STOCK 149123101 642 2,767 SH   SOLE   2,767 0 0
CATERPILLAR INC COM COMMON STOCK 149123101 1,655 7,137 SH   DFND   4,300 0 2,837
CHEVRON CORPORATION COMMON STOCK 166764100 2,783 26,563 SH   SOLE   25,591 0 972
CHEVRON CORPORATION COMMON STOCK 166764100 570 5,441 SH   DFND   4,456 0 985
CISCO SYS INC COM COMMON STOCK 17275R102 426 8,238 SH   SOLE   8,238 0 0
COCA COLA CO COM COMMON STOCK 191216100 596 11,305 SH   SOLE   11,305 0 0
COCA COLA CO COM COMMON STOCK 191216100 88 1,679 SH   DFND   800 0 879
COLGATE PALMOLIVE CO COM COMMON STOCK 194162103 378 4,794 SH   SOLE   4,794 0 0
COMCAST CORP CLASS A COMMON STOCK 20030N101 1,064 19,664 SH   SOLE   19,664 0 0
COMCAST CORP CLASS A COMMON STOCK 20030N101 93 1,720 SH   DFND   920 0 800
CONOCOPHILLIPS COM COMMON STOCK 20825C104 882 16,655 SH   SOLE   15,351 0 1,304
CONOCOPHILLIPS COM COMMON STOCK 20825C104 84 1,580 SH   DFND   0 0 1,580
CONSTELLATION BRANDS INC COMMON STOCK 21036P108 207 908 SH   SOLE   908 0 0
CORNING INC COM COMMON STOCK 219350105 2,051 47,156 SH   SOLE   35,623 0 11,533
CORNING INC COM COMMON STOCK 219350105 398 9,150 SH   DFND   8,350 0 800
CORTEVA INC COMMON STOCK 22052L104 605 12,991 SH   SOLE   11,689 0 1,302
CORTEVA INC COMMON STOCK 22052L104 57 1,215 SH   DFND   53 0 1,162
DEERE & CO COM COMMON STOCK 244199105 692 1,850 SH   SOLE   1,850 0 0
DEERE & CO COM COMMON STOCK 244199105 30 80 SH   DFND   80 0 0
DISNEY (WALT) COMPANY HOLDING CO COMMON STOCK 254687106 3,114 16,875 SH   SOLE   13,375 0 3,500
DISNEY (WALT) COMPANY HOLDING CO COMMON STOCK 254687106 296 1,605 SH   DFND   805 0 800
DOMINION ENERGY INC NPV COMMON STOCK 25746U109 560 7,376 SH   SOLE   7,376 0 0
DOMINION ENERGY INC NPV COMMON STOCK 25746U109 15 200 SH   DFND   200 0 0
DOW INC COMMON STOCK 260557103 850 13,298 SH   SOLE   11,996 0 1,302
DOW INC COMMON STOCK 260557103 78 1,215 SH   DFND   53 0 1,162
DUKE ENERGY CORP NEW COMMON STOCK 26441C204 836 8,659 SH   SOLE   8,659 0 0
DUKE ENERGY CORP NEW COMMON STOCK 26441C204 132 1,363 SH   DFND   806 0 557
DUPONT DE NEMOURS INC. COMMON STOCK 26614N102 1,070 13,847 SH   SOLE   12,545 0 1,302
DUPONT DE NEMOURS INC. COMMON STOCK 26614N102 94 1,215 SH   DFND   53 0 1,162
EMERSON ELEC CO COM COMMON STOCK 291011104 1,505 16,686 SH   SOLE   11,686 0 5,000
EMERSON ELEC CO COM COMMON STOCK 291011104 408 4,525 SH   DFND   3,135 0 1,390
ESSENTIAL UTILITIES INC COMMON STOCK 29670G102 4,676 104,496 SH   SOLE   89,073 625 14,798
ESSENTIAL UTILITIES INC COMMON STOCK 29670G102 888 19,845 SH   DFND   12,353 0 7,492
EXELON CORP COMMON STOCK 30161N101 500 11,426 SH   SOLE   11,426 0 0
EXXON MOBIL CORP COM COMMON STOCK 30231G102 2,729 48,878 SH   SOLE   44,337 0 4,541
EXXON MOBIL CORP COM COMMON STOCK 30231G102 759 13,591 SH   DFND   8,724 0 4,867
FIRST BK WILLIAMSTOWN NEW USD 0.01 COMMON STOCK 31931U102 139 11,430 SH   SOLE   11,430 0 0
FIRST TST SHS ETF COMMON STOCK 33734H106 206 5,414 SH   SOLE   5,414 0 0
FISERV INC COM COMMON STOCK 337738108 509 4,280 SH   SOLE   4,280 0 0
GENERAL ELECTRIC CO COM COMMON STOCK 369604103 1,386 105,546 SH   SOLE   96,937 0 8,609
GENERAL ELECTRIC CO COM COMMON STOCK 369604103 411 31,293 SH   DFND   17,255 0 14,038
GENERAL MLS INC COM COMMON STOCK 370334104 126 2,050 SH   SOLE   2,050 0 0
GENERAL MLS INC COM COMMON STOCK 370334104 185 3,020 SH   DFND   2,920 0 100
H P INC COMMON STOCK 40434L105 730 22,985 SH   SOLE   18,985 0 4,000
H P INC COMMON STOCK 40434L105 141 4,449 SH   DFND   3,974 0 475
THE HERSHEY COMPANY COM COMMON STOCK 427866108 246 1,557 SH   SOLE   1,557 0 0
HEWLETT PACKARD ENTERPRISE CO COMMON STOCK 42824C109 344 21,837 SH   SOLE   17,837 0 4,000
HEWLETT PACKARD ENTERPRISE CO COMMON STOCK 42824C109 70 4,449 SH   DFND   3,974 0 475
HOME DEPOT INC COM COMMON STOCK 437076102 9,302 30,473 SH   SOLE   25,707 0 4,766
HOME DEPOT INC COM COMMON STOCK 437076102 925 3,030 SH   DFND   2,350 0 680
HONEYWELL INTL INC COM COMMON STOCK 438516106 4,972 22,907 SH   SOLE   19,679 0 3,228
HONEYWELL INTL INC COM COMMON STOCK 438516106 1,231 5,673 SH   DFND   2,835 0 2,838
ILLINOIS TOOL WKS INC COM COMMON STOCK 452308109 488 2,204 SH   SOLE   2,204 0 0
INTEL CORP COM COMMON STOCK 458140100 2,794 43,658 SH   SOLE   38,970 0 4,688
INTEL CORP COM COMMON STOCK 458140100 647 10,105 SH   DFND   3,605 0 6,500
INTERNATIONAL BUSINESS MACHSCOM COMMON STOCK 459200101 875 6,564 SH   SOLE   5,964 0 600
INTERNATIONAL BUSINESS MACHSCOM COMMON STOCK 459200101 463 3,473 SH   DFND   2,660 0 813
INVESCO WATER RESOURCES ETF ETF - EQUITY SMALL CAP 46137V142 7,370 149,190 SH   SOLE   126,729 0 22,461
INVESCO WATER RESOURCES ETF ETF - EQUITY SMALL CAP 46137V142 584 11,824 SH   DFND   4,025 0 7,799
INVESCO PREFERRED ETF ETF - FIXED INCOME 46138E511 8,969 597,951 SH   SOLE   573,798 0 24,153
INVESCO PREFERRED ETF ETF - FIXED INCOME 46138E511 549 36,589 SH   DFND   16,092 0 20,497
I SHARES CORE S & P TOTAL U S STOCK MARKET ETF - EQUITY LARGE CAP 464287150 1,916 20,920 SH   SOLE   20,920 0 0
I SHARES SELECT DIVIDEND ETF ETF - EQUITY LARGE CAP 464287168 20,345 178,308 SH   SOLE   163,378 0 14,930
I SHARES SELECT DIVIDEND ETF ETF - EQUITY LARGE CAP 464287168 1,272 11,146 SH   DFND   8,347 0 2,799
I SHRS TIPS BOND ETF ETF - FIXED INCOME 464287176 10,313 82,176 SH   SOLE   77,570 200 4,406
I SHRS TIPS BOND ETF ETF - FIXED INCOME 464287176 735 5,856 SH   DFND   2,405 0 3,451
I SHARES CORE S & P 500 ETF ETF - EQUITY LARGE CAP 464287200 252 634 SH   SOLE   634 0 0
ISHARES S & P GROWTH ETF ETF - EQUITY LARGE CAP 464287309 1,318 20,249 SH   SOLE   14,249 0 6,000
ISHARES S & P GROWTH ETF ETF - EQUITY LARGE CAP 464287309 1 13 SH   DFND   13 0 0
I SHARES S & P 500 VALUE ETF ETF - EQUITY LARGE CAP 464287408 487 3,445 SH   SOLE   3,445 0 0
I SHARES MSCI EAFE ETF ETF - FOREIGN EQUITY 464287465 417 5,500 SH   SOLE   5,500 0 0
I SHARES RUSSELL MID-CAP ETF ETF - EQUITY MID CAP 464287499 434 5,870 SH   SOLE   5,870 0 0
I SHARES CORE S & P MID-CAP ETF ETF - EQUITY MID CAP 464287507 207 795 SH   SOLE   795 0 0
I SHARES S & P MIDCAP 400 GROWTH ETF ETF - EQUITY MID CAP 464287606 305 3,890 SH   SOLE   3,890 0 0
I SHARES S & P MID CAP 400 VALUE ETF ETF - EQUITY MID CAP 464287705 270 2,645 SH   SOLE   2,645 0 0
I SHARES CORE S & P SMALL CAP ETF ETF - EQUITY SMALL CAP 464287804 257 2,370 SH   SOLE   2,370 0 0
I SHRS MOMENTUM ETF - EQUITY LARGE CAP 46432F396 470 2,920 SH   SOLE   2,920 0 0
I SHARES MSCI EAFE CORE ETF - FOREIGN EQUITY 46432F842 18,983 263,507 SH   SOLE   216,182 0 47,325
I SHARES MSCI EAFE CORE ETF - FOREIGN EQUITY 46432F842 1,543 21,414 SH   DFND   14,594 0 6,820
I SHARES CORE MSCI EMERGING MICB ETF - FOREIGN EQUITY 46434G103 228 3,545 SH   SOLE   3,545 0 0
J P MORGAN CHASE & CO COMMON STOCK 46625H100 1,279 8,400 SH   SOLE   8,400 0 0
J P MORGAN CHASE & CO COMMON STOCK 46625H100 10 65 SH   DFND   0 0 65
JOHNSON & JOHNSON COM COMMON STOCK 478160104 6,383 38,841 SH   SOLE   36,513 0 2,328
JOHNSON & JOHNSON COM COMMON STOCK 478160104 1,581 9,620 SH   DFND   5,695 0 3,925
KIMBERLY-CLARK CORP COM COMMON STOCK 494368103 3,390 24,381 SH   SOLE   22,210 0 2,171
KIMBERLY-CLARK CORP COM COMMON STOCK 494368103 468 3,365 SH   DFND   2,980 0 385
L3HARRIS TECHNOLOGIES INC COMMON STOCK 502431109 297 1,464 SH   SOLE   1,464 0 0
ELI LILLY & CO COM COMMON STOCK 532457108 711 3,807 SH   SOLE   3,807 0 0
ELI LILLY & CO COM COMMON STOCK 532457108 187 1,000 SH   DFND   0 0 1,000
LOCKHEED MARTIN CORP COM COMMON STOCK 539830109 1,106 2,993 SH   SOLE   2,993 0 0
LOCKHEED MARTIN CORP COM COMMON STOCK 539830109 94 255 SH   DFND   75 0 180
LOWES COS INC COM COMMON STOCK 548661107 402 2,112 SH   SOLE   2,112 0 0
MANULIFE FINANCIAL FOREIGN EQUITIES 56501R106 222 10,306 SH   SOLE   10,306 0 0
MANULIFE FINANCIAL FOREIGN EQUITIES 56501R106 13 586 SH   DFND   586 0 0
MCDONALDS CORP COM COMMON STOCK 580135101 2,681 11,961 SH   SOLE   9,961 0 2,000
MCDONALDS CORP COM COMMON STOCK 580135101 436 1,945 SH   DFND   1,025 0 920
MERCK & CO INC NEW COMMON STOCK 58933Y105 2,925 37,938 SH   SOLE   33,824 0 4,114
MERCK & CO INC NEW COMMON STOCK 58933Y105 445 5,767 SH   DFND   3,630 0 2,137
MICROSOFT CORP COM COMMON STOCK 594918104 10,819 45,889 SH   SOLE   41,509 0 4,380
MICROSOFT CORP COM COMMON STOCK 594918104 2,091 8,870 SH   DFND   2,540 0 6,330
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 531 9,069 SH   SOLE   7,685 0 1,384
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 114 1,952 SH   DFND   103 0 1,849
NEXTERA ENERGY INC COM COMMON STOCK 65339F101 1,601 21,170 SH   SOLE   21,170 0 0
NEXTERA ENERGY INC COM COMMON STOCK 65339F101 330 4,360 SH   DFND   4,360 0 0
NUVEEN SELECT TAX-FREE INCOME PORTFOLIO MUTUAL FUNDS-NON TAX 67062F100 229 13,150 SH   SOLE   13,150 0 0
NUVEEN SELECT TAX-FREE INCOME PORTFOLIO MUTUAL FUNDS-NON TAX 67062F100 249 14,350 SH   DFND   5,250 0 9,100
NVIDIA CORPORATION COMMON STOCK 67066G104 621 1,164 SH   SOLE   1,164 0 0
NUVEEN CREDIT STRATEGIES INCOME FUND PREFERRED STOCK 67073D102 842 129,508 SH   SOLE   116,606 0 12,902
NUVEEN CREDIT STRATEGIES INCOME FUND PREFERRED STOCK 67073D102 83 12,815 SH   DFND   8,500 0 4,315
NUVEEN MUNICIPAL VALUE FUND MUTUAL FUNDS-NON TAX 670928100 140 12,591 SH   SOLE   12,591 0 0
ORACLE CORP COM COMMON STOCK 68389X105 123 1,750 SH   SOLE   1,750 0 0
ORACLE CORP COM COMMON STOCK 68389X105 351 5,000 SH   DFND   5,000 0 0
PNC FINL SVCS GROUP INC COM COMMON STOCK 693475105 1,186 6,764 SH   SOLE   5,793 0 971
PNC FINL SVCS GROUP INC COM COMMON STOCK 693475105 289 1,650 SH   DFND   550 0 1,100
PPG INDS INC COM COMMON STOCK 693506107 375 2,495 SH   SOLE   2,495 0 0
PPL CORP COMMON COMMON STOCK 69351T106 531 18,417 SH   SOLE   18,417 0 0
PPL CORP COMMON COMMON STOCK 69351T106 85 2,930 SH   DFND   830 0 2,100
PEPSICO INC COM COMMON STOCK 713448108 6,686 47,271 SH   SOLE   43,297 0 3,974
PEPSICO INC COM COMMON STOCK 713448108 758 5,358 SH   DFND   2,330 0 3,028
PFIZER INC COM COMMON STOCK 717081103 2,155 59,501 SH   SOLE   54,773 0 4,728
PFIZER INC COM COMMON STOCK 717081103 338 9,338 SH   DFND   7,320 0 2,018
PHILLIP MORRIS INTERNATIONALINC COMMON STOCK 718172109 1,020 11,498 SH   SOLE   9,498 0 2,000
PHILLIP MORRIS INTERNATIONALINC COMMON STOCK 718172109 329 3,711 SH   DFND   389 0 3,322
PHILLIPS 66 COMMON STOCK 718546104 753 9,234 SH   SOLE   8,582 0 652
PHILLIPS 66 COMMON STOCK 718546104 28 340 SH   DFND   50 0 290
PROCTER AND GAMBLE CO COM COMMON STOCK 742718109 4,803 35,467 SH   SOLE   31,679 0 3,788
PROCTER AND GAMBLE CO COM COMMON STOCK 742718109 1,193 8,812 SH   DFND   6,015 0 2,797
PROSHARES ULTRA S & P 500 EFT ETF - EQUITY LARGE CAP 74347R107 833 8,140 SH   SOLE   8,140 0 0
PUBLIC SVC ENTERPRISE GRP INCOM COMMON STOCK 744573106 254 4,225 SH   SOLE   4,225 0 0
PUBLIC SVC ENTERPRISE GRP INCOM COMMON STOCK 744573106 56 936 SH   DFND   936 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 297 3,841 SH   SOLE   3,841 0 0
SCHLUMBERGER LTD COM COMMON STOCK 806857108 261 9,615 SH   SOLE   5,767 0 3,848
SCHLUMBERGER LTD COM COMMON STOCK 806857108 16 575 SH   DFND   400 0 175
SOUTHERN CO COM COMMON STOCK 842587107 242 3,898 SH   SOLE   3,898 0 0
SOUTHERN CO COM COMMON STOCK 842587107 120 1,925 SH   DFND   1,075 0 850
TARGET CORP COMMON STOCK 87612E106 6,117 30,881 SH   SOLE   25,653 0 5,228
TARGET CORP COMMON STOCK 87612E106 305 1,540 SH   DFND   1,030 0 510
3M CO COMMON COMMON STOCK 88579Y101 3,514 18,236 SH   SOLE   15,494 0 2,742
3M CO COMMON COMMON STOCK 88579Y101 472 2,449 SH   DFND   1,995 0 454
VANECK VEC AGRIBUSINESS ETF ETF - EQUITY LARGE CAP 92189F700 2,031 23,159 SH   SOLE   18,931 0 4,228
VANECK VEC AGRIBUSINESS ETF ETF - EQUITY LARGE CAP 92189F700 97 1,105 SH   DFND   805 0 300
VANGUARD INTERMEDIATE TERM BOND INDEX ETF ETF - FIXED INCOME 921937819 31,302 352,779 SH   SOLE   323,364 490 28,925
VANGUARD INTERMEDIATE TERM BOND INDEX ETF ETF - FIXED INCOME 921937819 1,856 20,920 SH   DFND   10,782 0 10,138
VANGUARD FTSE DEVELOPED MARKET ETF ETF - FOREIGN EQUITY 921943858 1,500 30,540 SH   SOLE   16,270 0 14,270
VANGUARD FTSE DEVELOPED MARKET ETF ETF - FOREIGN EQUITY 921943858 7 145 SH   DFND   145 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF - FOREIGN EQUITY 922042858 640 12,291 SH   SOLE   12,291 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF - FOREIGN EQUITY 922042858 15 290 SH   DFND   290 0 0
VANGUARD SHORT TERM CORP BD ETF #3145 ETF - FIXED INCOME 92206C409 50,148 607,860 SH   SOLE   580,278 700 26,882
VANGUARD SHORT TERM CORP BD ETF #3145 ETF - FIXED INCOME 92206C409 5,025 60,912 SH   DFND   27,732 0 33,180
VANGUARD REIT INDEX #0986 ETF - EQUITY LARGE CAP 922908553 2,062 22,452 SH   SOLE   20,352 0 2,100
VANGUARD REIT INDEX #0986 ETF - EQUITY LARGE CAP 922908553 168 1,828 SH   DFND   233 0 1,595
VANGUARD TOTAL STOCK MARKET ETF ETF - EQUITY LARGE CAP 922908769 93,745 453,556 SH   SOLE   345,722 200 107,634
VANGUARD TOTAL STOCK MARKET ETF ETF - EQUITY LARGE CAP 922908769 3,139 15,189 SH   DFND   10,422 0 4,767
VERIZON COMMUNICATIONS INC COMMON STOCK 92343V104 4,648 79,934 SH   SOLE   75,784 0 4,150
VERIZON COMMUNICATIONS INC COMMON STOCK 92343V104 418 7,196 SH   DFND   5,233 0 1,963
VISA INC. COMMON STOCK 92826C839 219 1,034 SH   SOLE   1,034 0 0
WALMART INC COM COMMON STOCK 931142103 1,356 9,984 SH   SOLE   8,256 0 1,728
WALMART INC COM COMMON STOCK 931142103 132 970 SH   DFND   870 0 100
WELLS FARGO & CO NEW COMMON STOCK 949746101 209 5,357 SH   SOLE   4,247 0 1,110
WELLS FARGO & CO NEW COMMON STOCK 949746101 82 2,107 SH   DFND   1,193 0 914
XCEL ENERGY INC COM COMMON STOCK 98389B100 546 8,205 SH   SOLE   6,733 0 1,472
XCEL ENERGY INC COM COMMON STOCK 98389B100 115 1,725 SH   DFND   1,232 0 493
YUM BRANDS INC COMMON STOCK 988498101 961 8,885 SH   SOLE   7,455 0 1,430
YUM BRANDS INC COMMON STOCK 988498101 191 1,764 SH   DFND   550 0 1,214
YUM CHINA HOLDINGS INC COMMON STOCK 98850P109 599 10,115 SH   SOLE   8,685 0 1,430
YUM CHINA HOLDINGS INC COMMON STOCK 98850P109 107 1,814 SH   DFND   600 0 1,214
ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102 453 2,827 SH   SOLE   2,604 0 223
ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102 89 558 SH   DFND   210 0 348