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 449 3,560 SH   SOLE   1,560 0 2,000
EATON CORP PLC COMMON STOCK G29183103 10 80 SH   DFND   80 0 0
JOHNSON CONTROLS INTERNATIONAL PLC COMMON STOCK G51502105 218 4,545 SH   SOLE   3,471 0 1,074
JOHNSON CONTROLS INTERNATIONAL PLC COMMON STOCK G51502105 27 566 SH   DFND   519 0 47
MEDTRONIC PLC FOREIGN EQUITIES G5960L103 786 8,763 SH   SOLE   6,542 0 2,221
MEDTRONIC PLC FOREIGN EQUITIES G5960L103 247 2,756 SH   DFND   2,638 0 118
TE CONNECTIVITY LTD COMMON STOCK H84989104 800 7,069 SH   SOLE   4,745 0 2,324
TE CONNECTIVITY LTD COMMON STOCK H84989104 282 2,495 SH   DFND   2,370 0 125
A T & T INC COMMON STOCK 00206R102 1,037 49,496 SH   SOLE   49,496 0 0
A T & T INC COMMON STOCK 00206R102 174 8,312 SH   DFND   7,352 0 960
ABBOTT LABS COM COMMON STOCK 002824100 1,309 12,051 SH   SOLE   9,051 0 3,000
ABBOTT LABS COM COMMON STOCK 002824100 87 799 SH   DFND   799 0 0
ABBVIE INC COMMON STOCK 00287Y109 2,347 15,321 SH   SOLE   12,321 0 3,000
ABBVIE INC COMMON STOCK 00287Y109 122 799 SH   DFND   799 0 0
ALPHABET INC - CLASS C COMMON STOCK 02079K107 1,466 670 SH   SOLE   670 0 0
ALPHABET INC - CLASS A COMMON STOCK 02079K305 1,800 826 SH   SOLE   756 0 70
ALPHABET INC - CLASS A COMMON STOCK 02079K305 231 106 SH   DFND   14 0 92
ALTRIA GROUP INC COM COMMON STOCK 02209S103 567 13,585 SH   SOLE   11,585 0 2,000
ALTRIA GROUP INC COM COMMON STOCK 02209S103 171 4,090 SH   DFND   450 0 3,640
AMAZON COM INC. COMMON STOCK 023135106 484 4,560 SH   SOLE   4,560 0 0
AMAZON COM INC. COMMON STOCK 023135106 42 400 SH   DFND   180 0 220
AMERICAN ELEC PWR INC COM COMMON STOCK 025537101 211 2,202 SH   SOLE   2,202 0 0
AMERICAN ELEC PWR INC COM COMMON STOCK 025537101 29 300 SH   DFND   0 0 300
AMETEK INC NEW COM COMMON STOCK 031100100 256 2,330 SH   DFND   2,330 0 0
AMGEN INC COM COMMON STOCK 031162100 371 1,523 SH   SOLE   1,523 0 0
AMGEN INC COM COMMON STOCK 031162100 87 357 SH   DFND   0 0 357
APPLE INC COMMON STOCK 037833100 16,982 124,213 SH   SOLE   108,973 0 15,240
APPLE INC COMMON STOCK 037833100 5,631 41,185 SH   DFND   33,595 0 7,590
AUTOMATIC DATA PROCESSING INCOM COMMON STOCK 053015103 525 2,500 SH   SOLE   2,500 0 0
AUTOMATIC DATA PROCESSING INCOM COMMON STOCK 053015103 294 1,400 SH   DFND   1,400 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104 892 28,668 SH   SOLE   23,144 0 5,524
BANK OF AMERICA CORP COMMON STOCK 060505104 433 13,908 SH   DFND   12,776 0 1,132
BANK NEW YORK MELLON CORP COMMON STOCK 064058100 237 5,683 SH   SOLE   5,683 0 0
BANK NEW YORK MELLON CORP COMMON STOCK 064058100 79 1,900 SH   DFND   1,600 0 300
BAXTER INTL INC COM COMMON STOCK 071813109 1,728 26,906 SH   SOLE   22,678 0 4,228
BAXTER INTL INC COM COMMON STOCK 071813109 128 1,993 SH   DFND   200 0 1,793
BERKSHIRE HATHAWAY INC. DELWARE CL COMMON STOCK 084670108 818 2 SH   SOLE   2 0 0
BERKSHIRE HATHAWAY INC DEL COMMON STOCK 084670702 706 2,585 SH   SOLE   2,585 0 0
BLACKROCK SBI MUTUAL FUNDS - FIXED INCOME 09249E101 968 85,511 SH   SOLE   84,443 0 1,068
BLACKROCK SBI MUTUAL FUNDS - FIXED INCOME 09249E101 57 5,005 SH   DFND   936 0 4,069
BRISTOL MYERS SQUIBB CO COM COMMON STOCK 110122108 2,184 28,363 SH   SOLE   26,135 0 2,228
BRISTOL MYERS SQUIBB CO COM COMMON STOCK 110122108 254 3,300 SH   DFND   2,800 0 500
CIGNA CORP NEW COMMON STOCK 125523100 459 1,743 SH   SOLE   1,743 0 0
CIGNA CORP NEW COMMON STOCK 125523100 2 9 SH   DFND   9 0 0
CVS HEALTH CORPORATION COMMON STOCK 126650100 450 4,860 SH   SOLE   2,860 0 2,000
CVS HEALTH CORPORATION COMMON STOCK 126650100 439 4,735 SH   DFND   4,735 0 0
CATERPILLAR INC COM COMMON STOCK 149123101 580 3,245 SH   SOLE   3,245 0 0
CATERPILLAR INC COM COMMON STOCK 149123101 1,132 6,332 SH   DFND   4,300 0 2,032
CHEVRON CORPORATION COMMON STOCK 166764100 3,770 26,037 SH   SOLE   25,065 0 972
CHEVRON CORPORATION COMMON STOCK 166764100 743 5,135 SH   DFND   4,256 0 879
CISCO SYS INC COM COMMON STOCK 17275R102 365 8,563 SH   SOLE   8,563 0 0
COCA COLA CO COM COMMON STOCK 191216100 724 11,516 SH   SOLE   11,516 0 0
COCA COLA CO COM COMMON STOCK 191216100 73 1,154 SH   DFND   800 0 354
COLGATE PALMOLIVE CO COM COMMON STOCK 194162103 384 4,794 SH   SOLE   4,794 0 0
COMCAST CORP CLASS A COMMON STOCK 20030N101 682 17,388 SH   SOLE   17,388 0 0
CONOCOPHILLIPS COM COMMON STOCK 20825C104 1,393 15,515 SH   SOLE   14,211 0 1,304
CONOCOPHILLIPS COM COMMON STOCK 20825C104 34 380 SH   DFND   0 0 380
CONSTELLATION BRANDS INC COMMON STOCK 21036P108 213 913 SH   SOLE   913 0 0
CORNING INC COM COMMON STOCK 219350105 1,469 46,628 SH   SOLE   35,095 0 11,533
CORNING INC COM COMMON STOCK 219350105 288 9,150 SH   DFND   8,350 0 800
CORTEVA INC COMMON STOCK 22052L104 644 11,894 SH   SOLE   10,592 0 1,302
CORTEVA INC COMMON STOCK 22052L104 40 735 SH   DFND   0 0 735
COSTCO WHOLESALE CORP COMMON STOCK 22160K105 229 478 SH   SOLE   478 0 0
DEERE & CO COM COMMON STOCK 244199105 538 1,795 SH   SOLE   1,795 0 0
DEERE & CO COM COMMON STOCK 244199105 24 80 SH   DFND   80 0 0
DISNEY (WALT) COMPANY HOLDING CO COMMON STOCK 254687106 1,510 15,995 SH   SOLE   13,045 0 2,950
DISNEY (WALT) COMPANY HOLDING CO COMMON STOCK 254687106 79 840 SH   DFND   440 0 400
DOMINION ENERGY INC NPV COMMON STOCK 25746U109 524 6,566 SH   SOLE   6,566 0 0
DOMINION ENERGY INC NPV COMMON STOCK 25746U109 16 200 SH   DFND   200 0 0
DOW INC COMMON STOCK 260557103 661 12,800 SH   SOLE   11,498 0 1,302
DOW INC COMMON STOCK 260557103 38 735 SH   DFND   0 0 735
DUKE ENERGY CORP NEW COMMON STOCK 26441C204 845 7,883 SH   SOLE   7,883 0 0
DUKE ENERGY CORP NEW COMMON STOCK 26441C204 122 1,139 SH   DFND   806 0 333
DUPONT DE NEMOURS INC. COMMON STOCK 26614N102 709 12,759 SH   SOLE   11,457 0 1,302
DUPONT DE NEMOURS INC. COMMON STOCK 26614N102 44 788 SH   DFND   53 0 735
EMERSON ELEC CO COM COMMON STOCK 291011104 1,273 16,005 SH   SOLE   11,005 0 5,000
EMERSON ELEC CO COM COMMON STOCK 291011104 353 4,435 SH   DFND   3,135 0 1,300
ESSENTIAL UTILITIES INC COMMON STOCK 29670G102 5,027 109,674 SH   SOLE   94,876 0 14,798
ESSENTIAL UTILITIES INC COMMON STOCK 29670G102 858 18,713 SH   DFND   11,428 0 7,285
EXELON CORP COMMON STOCK 30161N101 430 9,485 SH   SOLE   9,485 0 0
EXXON MOBIL CORP COM COMMON STOCK 30231G102 4,096 47,829 SH   SOLE   43,288 0 4,541
EXXON MOBIL CORP COM COMMON STOCK 30231G102 873 10,199 SH   DFND   7,870 0 2,329
FISERV INC COM COMMON STOCK 337738108 381 4,280 SH   SOLE   4,280 0 0
GENERAL ELECTRIC CO. COMMON STOCK 369604301 721 11,326 SH   SOLE   10,250 0 1,076
GENERAL ELECTRIC CO. COMMON STOCK 369604301 208 3,269 SH   DFND   2,066 0 1,203
GENERAL MLS INC COM COMMON STOCK 370334104 154 2,039 SH   SOLE   2,039 0 0
GENERAL MLS INC COM COMMON STOCK 370334104 228 3,020 SH   DFND   2,920 0 100
H P INC COMMON STOCK 40434L105 605 18,475 SH   SOLE   16,475 0 2,000
H P INC COMMON STOCK 40434L105 115 3,500 SH   DFND   3,500 0 0
THE HERSHEY COMPANY COM COMMON STOCK 427866108 335 1,557 SH   SOLE   1,557 0 0
HEWLETT PACKARD ENTERPRISE CO COMMON STOCK 42824C109 245 18,474 SH   SOLE   16,474 0 2,000
HEWLETT PACKARD ENTERPRISE CO COMMON STOCK 42824C109 46 3,500 SH   DFND   3,500 0 0
HOME DEPOT INC COM COMMON STOCK 437076102 7,831 28,554 SH   SOLE   24,578 0 3,976
HOME DEPOT INC COM COMMON STOCK 437076102 690 2,516 SH   DFND   2,215 0 301
HONEYWELL INTL INC COM COMMON STOCK 438516106 3,881 22,330 SH   SOLE   19,102 0 3,228
HONEYWELL INTL INC COM COMMON STOCK 438516106 883 5,082 SH   DFND   2,835 0 2,247
ILLINOIS TOOL WKS INC COM COMMON STOCK 452308109 389 2,134 SH   SOLE   2,134 0 0
INTEL CORP COM COMMON STOCK 458140100 1,451 38,788 SH   SOLE   34,100 0 4,688
INTEL CORP COM COMMON STOCK 458140100 128 3,415 SH   DFND   3,415 0 0
INTERNATIONAL BUSINESS MACHSCOM COMMON STOCK 459200101 975 6,907 SH   SOLE   6,307 0 600
INTERNATIONAL BUSINESS MACHSCOM COMMON STOCK 459200101 190 1,343 SH   DFND   1,030 0 313
INVESCO WATER RESOURCES ETF ETF - EQUITY SMALL CAP 46137V142 6,733 145,677 SH   SOLE   123,216 0 22,461
INVESCO WATER RESOURCES ETF ETF - EQUITY SMALL CAP 46137V142 498 10,771 SH   DFND   3,925 0 6,846
INVESCO PREFERRED ETF ETF - FIXED INCOME 46138E511 8,373 678,514 SH   SOLE   654,361 0 24,153
INVESCO PREFERRED ETF ETF - FIXED INCOME 46138E511 447 36,248 SH   DFND   16,848 0 19,400
I SHARES CORE S & P TOTAL U S STOCK MARKET ETF - EQUITY LARGE CAP 464287150 1,807 21,570 SH   SOLE   21,570 0 0
I SHARES SELECT DIVIDEND ETF ETF - EQUITY LARGE CAP 464287168 21,695 184,376 SH   SOLE   169,446 0 14,930
I SHARES SELECT DIVIDEND ETF ETF - EQUITY LARGE CAP 464287168 1,769 15,032 SH   DFND   12,429 0 2,603
I SHRS TIPS BOND ETF ETF - FIXED INCOME 464287176 10,758 94,440 SH   SOLE   89,644 0 4,796
I SHRS TIPS BOND ETF ETF - FIXED INCOME 464287176 630 5,531 SH   DFND   2,240 0 3,291
I SHARES CORE S & P 500 ETF ETF - EQUITY LARGE CAP 464287200 421 1,111 SH   SOLE   1,111 0 0
ISHARES S & P GROWTH ETF ETF - EQUITY LARGE CAP 464287309 1,222 20,249 SH   SOLE   14,249 0 6,000
ISHARES S & P GROWTH ETF ETF - EQUITY LARGE CAP 464287309 3 45 SH   DFND   45 0 0
I SHARES S & P 500 VALUE ETF ETF - EQUITY LARGE CAP 464287408 474 3,445 SH   SOLE   3,445 0 0
I SHARES MSCI EAFE ETF ETF - FOREIGN EQUITY 464287465 352 5,627 SH   SOLE   5,627 0 0
I SHARES RUSSELL MID-CAP ETF ETF - EQUITY MID CAP 464287499 395 6,114 SH   SOLE   6,114 0 0
I SHARES S & P MIDCAP 400 GROWTH ETF ETF - EQUITY MID CAP 464287606 248 3,890 SH   SOLE   3,890 0 0
I SHARES S & P MID CAP 400 VALUE ETF ETF - EQUITY MID CAP 464287705 250 2,645 SH   SOLE   2,645 0 0
I SHARES CORE S & P SMALL CAP ETF ETF - EQUITY SMALL CAP 464287804 219 2,370 SH   SOLE   2,370 0 0
I SHRS MOMENTUM ETF - EQUITY LARGE CAP 46432F396 689 5,050 SH   SOLE   5,050 0 0
I SHARES MSCI EAFE CORE ETF - FOREIGN EQUITY 46432F842 15,978 271,558 SH   SOLE   224,181 52 47,325
I SHARES MSCI EAFE CORE ETF - FOREIGN EQUITY 46432F842 1,166 19,811 SH   DFND   13,514 0 6,297
J P MORGAN CHASE & CO COMMON STOCK 46625H100 951 8,445 SH   SOLE   8,445 0 0
J P MORGAN CHASE & CO COMMON STOCK 46625H100 7 65 SH   DFND   0 0 65
JOHNSON & JOHNSON COM COMMON STOCK 478160104 6,661 37,524 SH   SOLE   35,796 0 1,728
JOHNSON & JOHNSON COM COMMON STOCK 478160104 1,498 8,438 SH   DFND   5,050 0 3,388
KIMBERLY-CLARK CORP COM COMMON STOCK 494368103 3,178 23,515 SH   SOLE   21,344 0 2,171
KIMBERLY-CLARK CORP COM COMMON STOCK 494368103 391 2,890 SH   DFND   2,570 0 320
L3HARRIS TECHNOLOGIES INC COMMON STOCK 502431109 354 1,464 SH   SOLE   1,464 0 0
ELI LILLY & CO COM COMMON STOCK 532457108 1,049 3,234 SH   SOLE   3,234 0 0
ELI LILLY & CO COM COMMON STOCK 532457108 259 800 SH   DFND   0 0 800
LOCKHEED MARTIN CORP COM COMMON STOCK 539830109 1,201 2,793 SH   SOLE   2,793 0 0
LOCKHEED MARTIN CORP COM COMMON STOCK 539830109 97 225 SH   DFND   75 0 150
LOWES COS INC COM COMMON STOCK 548661107 269 1,542 SH   SOLE   1,542 0 0
MANULIFE FINANCIAL FOREIGN EQUITIES 56501R106 178 10,306 SH   SOLE   10,306 0 0
MANULIFE FINANCIAL FOREIGN EQUITIES 56501R106 10 586 SH   DFND   586 0 0
MCDONALDS CORP COM COMMON STOCK 580135101 2,872 11,633 SH   SOLE   9,633 0 2,000
MCDONALDS CORP COM COMMON STOCK 580135101 459 1,860 SH   DFND   940 0 920
MCKESSON CORP USD COMMON STOCK 58155Q103 249 763 SH   SOLE   763 0 0
MERCK & CO INC NEW COMMON STOCK 58933Y105 3,293 36,116 SH   SOLE   32,002 0 4,114
MERCK & CO INC NEW COMMON STOCK 58933Y105 423 4,640 SH   DFND   2,780 0 1,860
MICROSOFT CORP COM COMMON STOCK 594918104 10,897 42,431 SH   SOLE   38,751 0 3,680
MICROSOFT CORP COM COMMON STOCK 594918104 2,004 7,804 SH   DFND   2,440 0 5,364
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 531 8,548 SH   SOLE   7,164 0 1,384
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 116 1,861 SH   DFND   103 0 1,758
NEXTERA ENERGY INC COM COMMON STOCK 65339F101 2,168 27,994 SH   SOLE   27,994 0 0
NEXTERA ENERGY INC COM COMMON STOCK 65339F101 338 4,360 SH   DFND   4,360 0 0
NUVEEN SELECT TAX-FREE INCOME PORTFOLIO MUTUAL FUNDS-NON TAX 67062F100 126 9,200 SH   SOLE   9,200 0 0
NUVEEN SELECT TAX-FREE INCOME PORTFOLIO MUTUAL FUNDS-NON TAX 67062F100 196 14,350 SH   DFND   5,250 0 9,100
NVIDIA CORPORATION COMMON STOCK 67066G104 731 4,824 SH   SOLE   4,824 0 0
NUVEEN CREDIT STRATEGIES INCOME FUND PREFERRED STOCK 67073D102 662 127,353 SH   SOLE   114,451 0 12,902
NUVEEN CREDIT STRATEGIES INCOME FUND PREFERRED STOCK 67073D102 60 11,620 SH   DFND   7,700 0 3,920
ORACLE CORP COM COMMON STOCK 68389X105 122 1,750 SH   SOLE   1,750 0 0
ORACLE CORP COM COMMON STOCK 68389X105 349 5,000 SH   DFND   5,000 0 0
PNC FINL SVCS GROUP INC COM COMMON STOCK 693475105 1,507 9,551 SH   SOLE   8,580 0 971
PNC FINL SVCS GROUP INC COM COMMON STOCK 693475105 245 1,550 SH   DFND   550 0 1,000
PPG INDS INC COM COMMON STOCK 693506107 285 2,495 SH   SOLE   2,495 0 0
PPL CORP COMMON COMMON STOCK 69351T106 454 16,753 SH   SOLE   16,753 0 0
PPL CORP COMMON COMMON STOCK 69351T106 79 2,930 SH   DFND   830 0 2,100
PEPSICO INC COM COMMON STOCK 713448108 7,506 45,041 SH   SOLE   41,067 0 3,974
PEPSICO INC COM COMMON STOCK 713448108 716 4,299 SH   DFND   1,755 0 2,544
PFIZER INC COM COMMON STOCK 717081103 3,101 59,139 SH   SOLE   54,411 0 4,728
PFIZER INC COM COMMON STOCK 717081103 478 9,116 SH   DFND   7,230 0 1,886
PHILLIP MORRIS INTERNATIONALINC COMMON STOCK 718172109 1,100 11,140 SH   SOLE   9,140 0 2,000
PHILLIP MORRIS INTERNATIONALINC COMMON STOCK 718172109 353 3,579 SH   DFND   389 0 3,190
PHILLIPS 66 COMMON STOCK 718546104 701 8,548 SH   SOLE   7,896 0 652
PHILLIPS 66 COMMON STOCK 718546104 20 240 SH   DFND   50 0 190
PROCTER AND GAMBLE CO COM COMMON STOCK 742718109 4,812 33,467 SH   SOLE   29,679 0 3,788
PROCTER AND GAMBLE CO COM COMMON STOCK 742718109 1,180 8,205 SH   DFND   5,615 0 2,590
PROSHARES ULTRA S & P 500 EFT ETF - EQUITY LARGE CAP 74347R107 362 8,060 SH   SOLE   8,060 0 0
PUBLIC SVC ENTERPRISE GRP INCOM COMMON STOCK 744573106 259 4,094 SH   SOLE   4,094 0 0
PUBLIC SVC ENTERPRISE GRP INCOM COMMON STOCK 744573106 59 936 SH   DFND   936 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 339 3,523 SH   SOLE   3,523 0 0
SCHLUMBERGER LTD COM STK COMMON STOCK 806857108 264 7,387 SH   SOLE   5,539 0 1,848
SCHLUMBERGER LTD COM STK COMMON STOCK 806857108 6 175 SH   DFND   0 0 175
SOUTHERN CO COM COMMON STOCK 842587107 249 3,498 SH   SOLE   3,498 0 0
SOUTHERN CO COM COMMON STOCK 842587107 137 1,925 SH   DFND   1,075 0 850
TARGET CORP COMMON STOCK 87612E106 4,006 28,366 SH   SOLE   24,138 0 4,228
TARGET CORP COMMON STOCK 87612E106 189 1,336 SH   DFND   1,030 0 306
3M CO COMMON COMMON STOCK 88579Y101 2,347 18,136 SH   SOLE   15,394 0 2,742
3M CO COMMON COMMON STOCK 88579Y101 289 2,230 SH   DFND   1,865 0 365
VANECK VEC AGRIBUSINESS ETF ETF - EQUITY LARGE CAP 92189F700 2,025 23,414 SH   SOLE   19,186 0 4,228
VANECK VEC AGRIBUSINESS ETF ETF - EQUITY LARGE CAP 92189F700 96 1,105 SH   DFND   805 0 300
VANGUARD INTERMEDIATE TERM BOND INDEX ETF ETF - FIXED INCOME 921937819 27,949 359,940 SH   SOLE   325,357 38 34,545
VANGUARD INTERMEDIATE TERM BOND INDEX ETF ETF - FIXED INCOME 921937819 1,453 18,710 SH   DFND   9,168 0 9,542
VANGUARD FTSE DEVELOPED MARKET ETF ETF - FOREIGN EQUITY 921943858 1,216 29,820 SH   SOLE   15,550 0 14,270
VANGUARD FTSE DEVELOPED MARKET ETF ETF - FOREIGN EQUITY 921943858 14 350 SH   DFND   350 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF - FOREIGN EQUITY 922042858 786 18,879 SH   SOLE   18,803 76 0
VANGUARD FTSE EMERGING MARKETS ETF ETF - FOREIGN EQUITY 922042858 17 399 SH   DFND   399 0 0
VANGUARD SHORT TERM CORP BD ETF #3145 ETF - FIXED INCOME 92206C409 49,321 646,751 SH   SOLE   618,819 125 27,807
VANGUARD SHORT TERM CORP BD ETF #3145 ETF - FIXED INCOME 92206C409 4,450 58,351 SH   DFND   26,676 0 31,675
VANGUARD REIT INDEX #0986 ETF - EQUITY LARGE CAP 922908553 2,131 23,392 SH   SOLE   21,292 0 2,100
VANGUARD REIT INDEX #0986 ETF - EQUITY LARGE CAP 922908553 168 1,843 SH   DFND   248 0 1,595
VANGUARD TOTAL STOCK MARKET ETF ETF - EQUITY LARGE CAP 922908769 91,880 487,117 SH   SOLE   382,701 192 104,224
VANGUARD TOTAL STOCK MARKET ETF ETF - EQUITY LARGE CAP 922908769 3,014 15,980 SH   DFND   11,840 0 4,140
VERIZON COMMUNICATIONS INC COMMON STOCK 92343V104 4,075 80,306 SH   SOLE   76,156 0 4,150
VERIZON COMMUNICATIONS INC COMMON STOCK 92343V104 259 5,104 SH   DFND   3,561 0 1,543
VISA INC. COMMON STOCK 92826C839 206 1,046 SH   SOLE   1,046 0 0
WALMART INC COM COMMON STOCK 931142103 1,181 9,714 SH   SOLE   7,986 0 1,728
WALMART INC COM COMMON STOCK 931142103 61 500 SH   DFND   400 0 100
WARNER BROS DISCOVERY INC. COMMON STOCK 934423104 152 11,361 SH   SOLE   11,361 0 0
WARNER BROS DISCOVERY INC. COMMON STOCK 934423104 27 2,010 SH   DFND   1,778 0 232
WELLS FARGO & CO NEW COMMON STOCK 949746101 221 5,644 SH   SOLE   4,534 0 1,110
WELLS FARGO & CO NEW COMMON STOCK 949746101 68 1,735 SH   DFND   975 0 760
XCEL ENERGY INC COM COMMON STOCK 98389B100 686 9,696 SH   SOLE   8,224 0 1,472
XCEL ENERGY INC COM COMMON STOCK 98389B100 28 396 SH   DFND   0 0 396
YUM BRANDS INC COMMON STOCK 988498101 1,000 8,807 SH   SOLE   7,377 0 1,430
YUM BRANDS INC COMMON STOCK 988498101 178 1,572 SH   DFND   400 0 1,172
YUM CHINA HOLDINGS INC COMMON STOCK 98850P109 466 9,599 SH   SOLE   8,169 0 1,430
YUM CHINA HOLDINGS INC COMMON STOCK 98850P109 76 1,572 SH   DFND   400 0 1,172
ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102 293 2,793 SH   SOLE   2,570 0 223
ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102 57 539 SH   DFND   210 0 329