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
EATON CORP PLC COMMON STOCK G29183103   625,390 3,650 SH   SOLE   3,650 0 0
EATON CORP PLC COMMON STOCK G29183103   13,707 80 SH   DFND   80 0 0
JOHNSON CONTROLS INTERNATIONAL PLC COMMON STOCK G51502105   207,507 3,446 SH   SOLE   3,446 0 0
JOHNSON CONTROLS INTERNATIONAL PLC COMMON STOCK G51502105   34,083 566 SH   DFND   566 0 0
MEDTRONIC PLC FOREIGN EQUITIES G5960L103   688,958 8,546 SH   SOLE   8,546 0 0
MEDTRONIC PLC FOREIGN EQUITIES G5960L103   216,462 2,685 SH   DFND   2,685 0 0
TE CONNECTIVITY LTD COMMON STOCK H84989104   905,703 6,906 SH   SOLE   6,906 0 0
TE CONNECTIVITY LTD COMMON STOCK H84989104   317,380 2,420 SH   DFND   2,420 0 0
A T & T INC COMMON STOCK 00206R102   889,796 46,224 SH   SOLE   46,224 0 0
A T & T INC COMMON STOCK 00206R102   141,526 7,352 SH   DFND   7,352 0 0
ABBOTT LABS COM COMMON STOCK 002824100   1,211,672 11,966 SH   SOLE   11,966 0 0
ABBOTT LABS COM COMMON STOCK 002824100   80,906 799 SH   DFND   799 0 0
ABBVIE INC COMMON STOCK 00287Y109   2,401,852 15,071 SH   SOLE   15,071 0 0
ABBVIE INC COMMON STOCK 00287Y109   127,334 799 SH   DFND   799 0 0
ALPHABET INC - CLASS C COMMON STOCK 02079K107   1,393,600 13,400 SH   SOLE   13,400 0 0
ALPHABET INC - CLASS A COMMON STOCK 02079K305   1,780,002 17,160 SH   SOLE   17,160 0 0
ALPHABET INC - CLASS A COMMON STOCK 02079K305   219,907 2,120 SH   DFND   280 0 1,840
ALTRIA GROUP INC COM COMMON STOCK 02209S103   584,160 13,095 SH   SOLE   13,095 0 0
ALTRIA GROUP INC COM COMMON STOCK 02209S103   182,454 4,090 SH   DFND   2,990 0 1,100
AMAZON COM INC. COMMON STOCK 023135106   476,158 4,610 SH   SOLE   4,610 0 0
AMAZON COM INC. COMMON STOCK 023135106   41,314 400 SH   DFND   180 0 220
AMERICAN ELEC PWR INC COM COMMON STOCK 025537101   195,809 2,152 SH   SOLE   2,152 0 0
AMERICAN ELEC PWR INC COM COMMON STOCK 025537101   27,297 300 SH   DFND   300 0 0
AMETEK INC NEW COM COMMON STOCK 031100100   338,618 2,330 SH   DFND   2,330 0 0
AMGEN INC COM COMMON STOCK 031162100   356,094 1,473 SH   SOLE   1,473 0 0
AMGEN INC COM COMMON STOCK 031162100   86,304 357 SH   DFND   357 0 0
APPLE INC COMMON STOCK 037833100   20,196,275 122,476 SH   SOLE   122,476 0 0
APPLE INC COMMON STOCK 037833100   6,712,252 40,705 SH   DFND   38,503 0 2,202
AUTOMATIC DATA PROCESSING INCOM COMMON STOCK 053015103   556,575 2,500 SH   SOLE   2,500 0 0
AUTOMATIC DATA PROCESSING INCOM COMMON STOCK 053015103   311,682 1,400 SH   DFND   1,400 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104   723,247 25,298 SH   SOLE   25,298 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104   374,755 13,108 SH   DFND   13,108 0 0
BANK NEW YORK MELLON CORP COMMON STOCK 064058100   258,173 5,683 SH   SOLE   5,683 0 0
BANK NEW YORK MELLON CORP COMMON STOCK 064058100   72,688 1,600 SH   DFND   1,600 0 0
BAXTER INTL INC COM COMMON STOCK 071813109   1,021,732 25,191 SH   SOLE   25,191 0 0
BAXTER INTL INC COM COMMON STOCK 071813109   78,808 1,943 SH   DFND   1,943 0 0
BERKSHIRE HATHAWAY INC. DELWARE CL COMMON STOCK 084670108   931,200 2 SH   SOLE   2 0 0
BERKSHIRE HATHAWAY INC DEL COMMON STOCK 084670702   798,144 2,585 SH   SOLE   2,585 0 0
BLACKROCK SBI MUTUAL FUNDS - FIXED INCOME 09249E101   894,776 82,546 SH   SOLE   82,546 0 0
BLACKROCK SBI MUTUAL FUNDS - FIXED INCOME 09249E101   37,332 3,444 SH   DFND   3,444 0 0
BOEING CO COM COMMON STOCK 097023105   215,610 1,015 SH   SOLE   1,015 0 0
BOEING CO COM COMMON STOCK 097023105   31,864 150 SH   DFND   150 0 0
BRISTOL MYERS SQUIBB CO COM COMMON STOCK 110122108   1,963,875 28,335 SH   SOLE   28,335 0 0
BRISTOL MYERS SQUIBB CO COM COMMON STOCK 110122108   183,671 2,650 SH   DFND   2,650 0 0
THE CIGNA GROUP COMMON STOCK 125523100   445,375 1,743 SH   SOLE   1,743 0 0
THE CIGNA GROUP COMMON STOCK 125523100   2,299 9 SH   DFND   9 0 0
CVS HEALTH CORPORATION COMMON STOCK 126650100   371,547 5,000 SH   SOLE   5,000 0 0
CVS HEALTH CORPORATION COMMON STOCK 126650100   351,857 4,735 SH   DFND   4,735 0 0
CATERPILLAR INC COM COMMON STOCK 149123101   765,464 3,345 SH   SOLE   3,345 0 0
CATERPILLAR INC COM COMMON STOCK 149123101   1,414,688 6,182 SH   DFND   5,122 0 1,060
CHEVRON CORPORATION COMMON STOCK 166764100   4,036,876 24,742 SH   SOLE   24,742 0 0
CHEVRON CORPORATION COMMON STOCK 166764100   785,612 4,815 SH   DFND   4,815 0 0
CISCO SYS INC COM COMMON STOCK 17275R102   426,675 8,163 SH   SOLE   8,163 0 0
COCA COLA CO COM COMMON STOCK 191216100   706,155 11,386 SH   SOLE   11,386 0 0
COCA COLA CO COM COMMON STOCK 191216100   71,571 1,154 SH   DFND   1,154 0 0
COLGATE PALMOLIVE CO COM COMMON STOCK 194162103   353,880 4,709 SH   SOLE   4,709 0 0
COMCAST CORP CLASS A COMMON STOCK 20030N101   633,227 16,708 SH   SOLE   16,708 0 0
CONOCOPHILLIPS COM COMMON STOCK 20825C104   1,524,343 15,365 SH   SOLE   15,365 0 0
CONOCOPHILLIPS COM COMMON STOCK 20825C104   12,897 130 SH   DFND   130 0 0
CONSTELLATION BRANDS INC COMMON STOCK 21036P108   206,232 913 SH   SOLE   913 0 0
CONSTELLATION ENERGY CORP NPV COMMON STOCK 21037T109   234,006 2,981 SH   SOLE   2,981 0 0
CORNING INC COM COMMON STOCK 219350105   1,610,703 45,668 SH   SOLE   45,668 0 0
CORNING INC COM COMMON STOCK 219350105   294,504 8,350 SH   DFND   8,350 0 0
CORTEVA INC COMMON STOCK 22052L104   712,950 11,822 SH   SOLE   11,822 0 0
CORTEVA INC COMMON STOCK 22052L104   48,669 807 SH   DFND   807 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105   237,496 478 SH   SOLE   478 0 0
DEERE & CO COM COMMON STOCK 244199105   722,536 1,750 SH   SOLE   1,750 0 0
DEERE & CO COM COMMON STOCK 244199105   33,030 80 SH   DFND   80 0 0
DISNEY (WALT) COMPANY HOLDING CO COMMON STOCK 254687106   1,509,833 15,079 SH   SOLE   15,079 0 0
DISNEY (WALT) COMPANY HOLDING CO COMMON STOCK 254687106   44,056 440 SH   DFND   440 0 0
DOMINION ENERGY INC NPV COMMON STOCK 25746U109   264,740 4,736 SH   SOLE   4,736 0 0
DOW INC COMMON STOCK 260557103   648,911 11,840 SH   SOLE   11,840 0 0
DOW INC COMMON STOCK 260557103   44,230 807 SH   DFND   807 0 0
DUKE ENERGY CORP NEW COMMON STOCK 26441C204   735,761 7,627 SH   SOLE   7,627 0 0
DUKE ENERGY CORP NEW COMMON STOCK 26441C204   109,878 1,139 SH   DFND   1,139 0 0
DUPONT DE NEMOURS INC. COMMON STOCK 26614N102   891,487 12,422 SH   SOLE   12,422 0 0
DUPONT DE NEMOURS INC. COMMON STOCK 26614N102   61,721 860 SH   DFND   860 0 0
EMERSON ELEC CO COM COMMON STOCK 291011104   1,385,955 15,905 SH   SOLE   15,905 0 0
EMERSON ELEC CO COM COMMON STOCK 291011104   360,323 4,135 SH   DFND   3,135 0 1,000
ESSENTIAL UTILITIES INC COMMON STOCK 29670G102   4,760,035 109,051 SH   SOLE   109,051 0 0
ESSENTIAL UTILITIES INC COMMON STOCK 29670G102   784,080 17,963 SH   DFND   17,963 0 0
EXELON CORP COMMON STOCK 30161N101   397,225 9,485 SH   SOLE   9,485 0 0
EXXON MOBIL CORP COM COMMON STOCK 30231G102   5,072,078 46,253 SH   SOLE   46,253 0 0
EXXON MOBIL CORP COM COMMON STOCK 30231G102   1,089,470 9,935 SH   DFND   8,935 0 1,000
FISERV INC COM COMMON STOCK 337738108   483,768 4,280 SH   SOLE   4,280 0 0
GE HEALTHCARE TECHNOLIGIES INC COMMON STOCK 36266G107   293,300 3,576 SH   SOLE   3,576 0 0
GE HEALTHCARE TECHNOLIGIES INC COMMON STOCK 36266G107   36,006 439 SH   DFND   439 0 0
GENERAL ELECTRIC CO. COMMON STOCK 369604301   1,034,652 10,823 SH   SOLE   10,823 0 0
GENERAL ELECTRIC CO. COMMON STOCK 369604301   126,666 1,325 SH   DFND   1,325 0 0
GENERAL MLS INC COM COMMON STOCK 370334104   160,577 1,879 SH   SOLE   1,879 0 0
GENERAL MLS INC COM COMMON STOCK 370334104   258,089 3,020 SH   DFND   3,020 0 0
GENUINE PARTS CO COMMON COMMON STOCK 372460105   250,965 1,500 SH   DFND   1,500 0 0
H P INC COMMON STOCK 40434L105   525,914 17,925 SH   SOLE   17,925 0 0
H P INC COMMON STOCK 40434L105   102,690 3,500 SH   DFND   3,500 0 0
THE HERSHEY COMPANY COM COMMON STOCK 427866108   396,114 1,557 SH   SOLE   1,557 0 0
HEWLETT PACKARD ENTERPRISE CO COMMON STOCK 42824C109   285,525 17,924 SH   SOLE   17,924 0 0
HEWLETT PACKARD ENTERPRISE CO COMMON STOCK 42824C109   55,755 3,500 SH   DFND   3,500 0 0
HOME DEPOT INC COM COMMON STOCK 437076102   8,321,763 28,199 SH   SOLE   28,199 0 0
HOME DEPOT INC COM COMMON STOCK 437076102   742,495 2,516 SH   DFND   2,516 0 0
HONEYWELL INTL INC COM COMMON STOCK 438516106   4,149,192 21,710 SH   SOLE   21,710 0 0
HONEYWELL INTL INC COM COMMON STOCK 438516106   934,955 4,892 SH   DFND   4,064 0 828
ILLINOIS TOOL WKS INC COM COMMON STOCK 452308109   507,348 2,084 SH   SOLE   2,084 0 0
INTEL CORP COM COMMON STOCK 458140100   1,121,141 34,328 SH   SOLE   34,328 0 0
INTEL CORP COM COMMON STOCK 458140100   111,533 3,415 SH   DFND   3,415 0 0
INTERNATIONAL BUSINESS MACHSCOM COMMON STOCK 459200101   711,938 5,431 SH   SOLE   5,431 0 0
INTERNATIONAL BUSINESS MACHSCOM COMMON STOCK 459200101   176,053 1,343 SH   DFND   1,330 0 13
INVESCO WATER RESOURCES ETF ETF - EQUITY SMALL CAP 46137V142   7,520,745 140,997 SH   SOLE   140,997 0 0
INVESCO WATER RESOURCES ETF ETF - EQUITY SMALL CAP 46137V142   553,188 10,371 SH   DFND   7,871 0 2,500
INVESCO PREFERRED ETF ETF - FIXED INCOME 46138E511   7,630,232 664,662 SH   SOLE   664,662 0 0
INVESCO PREFERRED ETF ETF - FIXED INCOME 46138E511   382,660 33,333 SH   DFND   24,833 0 8,500
I SHARES CORE S & P TOTAL U S STOCK MARKET ETF - EQUITY LARGE CAP 464287150   1,953,160 21,570 SH   SOLE   21,570 0 0
I SHARES SELECT DIVIDEND ETF ETF - EQUITY LARGE CAP 464287168   21,606,554 184,389 SH   SOLE   184,389 0 0
I SHARES SELECT DIVIDEND ETF ETF - EQUITY LARGE CAP 464287168   1,752,071 14,952 SH   DFND   13,952 0 1,000
I SHRS TIPS BOND ETF ETF - FIXED INCOME 464287176   10,312,142 93,535 SH   SOLE   93,535 0 0
I SHRS TIPS BOND ETF ETF - FIXED INCOME 464287176   576,716 5,231 SH   DFND   3,431 0 1,800
I SHARES CORE S & P 500 ETF ETF - EQUITY LARGE CAP 464287200   281,163 684 SH   SOLE   684 0 0
ISHARES S & P GROWTH ETF ETF - EQUITY LARGE CAP 464287309   1,293,505 20,249 SH   SOLE   20,249 0 0
ISHARES S & P GROWTH ETF ETF - EQUITY LARGE CAP 464287309   2,874 45 SH   DFND   45 0 0
I SHARES S & P 500 VALUE ETF ETF - EQUITY LARGE CAP 464287408   522,812 3,445 SH   SOLE   3,445 0 0
I SHARES MSCI EAFE ETF ETF - FOREIGN EQUITY 464287465   402,436 5,627 SH   SOLE   5,627 0 0
I SHARES RUSSELL MID-CAP ETF ETF - EQUITY MID CAP 464287499   427,488 6,114 SH   SOLE   6,114 0 0
I SHARES CORE S & P MID-CAP ETF ETF - EQUITY MID CAP 464287507   229,140 916 SH   SOLE   916 0 0
I SHARES S & P MIDCAP 400 GROWTH ETF ETF - EQUITY MID CAP 464287606   278,173 3,890 SH   SOLE   3,890 0 0
I SHARES S & P MID CAP 400 VALUE ETF ETF - EQUITY MID CAP 464287705   271,825 2,645 SH   SOLE   2,645 0 0
I SHARES CORE S & P SMALL CAP ETF ETF - EQUITY SMALL CAP 464287804   530,395 5,485 SH   SOLE   5,485 0 0
I SHRS MOMENTUM ETF - EQUITY LARGE CAP 46432F396   700,740 5,040 SH   SOLE   5,040 0 0
I SHARES MSCI EAFE CORE ETF - FOREIGN EQUITY 46432F842   18,045,358 269,941 SH   SOLE   269,941 0 0
I SHARES MSCI EAFE CORE ETF - FOREIGN EQUITY 46432F842   1,266,864 18,951 SH   DFND   16,811 0 2,140
I SHRS CONVERTIBLE BOND ETF ETF - FIXED INCOME 46435G102   175,739 2,420 SH   SOLE   2,420 0 0
I SHRS CONVERTIBLE BOND ETF ETF - FIXED INCOME 46435G102   27,232 375 SH   DFND   375 0 0
J P MORGAN CHASE & CO COMMON STOCK 46625H100   1,109,578 8,515 SH   SOLE   8,515 0 0
J P MORGAN CHASE & CO COMMON STOCK 46625H100   8,470 65 SH   DFND   65 0 0
JOHNSON & JOHNSON COM COMMON STOCK 478160104   5,830,170 37,614 SH   SOLE   37,614 0 0
JOHNSON & JOHNSON COM COMMON STOCK 478160104   1,307,890 8,438 SH   DFND   7,588 0 850
KIMBERLY-CLARK CORP COM COMMON STOCK 494368103   3,063,540 22,825 SH   SOLE   22,825 0 0
KIMBERLY-CLARK CORP COM COMMON STOCK 494368103   344,945 2,570 SH   DFND   2,570 0 0
L3HARRIS TECHNOLOGIES INC COMMON STOCK 502431109   287,293 1,464 SH   SOLE   1,464 0 0
ELI LILLY & CO COM COMMON STOCK 532457108   1,084,829 3,159 SH   SOLE   3,159 0 0
ELI LILLY & CO COM COMMON STOCK 532457108   274,728 800 SH   DFND   0 0 800
LOCKHEED MARTIN CORP COM COMMON STOCK 539830109   1,320,303 2,793 SH   SOLE   2,793 0 0
LOCKHEED MARTIN CORP COM COMMON STOCK 539830109   35,454 75 SH   DFND   75 0 0
LOWES COS INC COM COMMON STOCK 548661107   273,356 1,367 SH   SOLE   1,367 0 0
MANULIFE FINANCIAL FOREIGN EQUITIES 56501R106   189,218 10,306 SH   SOLE   10,306 0 0
MANULIFE FINANCIAL FOREIGN EQUITIES 56501R106   10,758 586 SH   DFND   586 0 0
MCDONALDS CORP COM COMMON STOCK 580135101   3,233,010 11,563 SH   SOLE   11,563 0 0
MCDONALDS CORP COM COMMON STOCK 580135101   520,056 1,860 SH   DFND   1,050 0 810
MCKESSON CORP USD COMMON STOCK 58155Q103   271,658 763 SH   SOLE   763 0 0
MERCK & CO INC NEW COMMON STOCK 58933Y105   3,734,903 35,106 SH   SOLE   35,106 0 0
MERCK & CO INC NEW COMMON STOCK 58933Y105   445,773 4,190 SH   DFND   4,190 0 0
MICROSOFT CORP COM COMMON STOCK 594918104   11,878,365 41,203 SH   SOLE   41,203 0 0
MICROSOFT CORP COM COMMON STOCK 594918104   2,180,623 7,564 SH   DFND   6,814 0 750
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105   558,447 8,010 SH   SOLE   8,010 0 0
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105   129,748 1,861 SH   DFND   1,861 0 0
NEXTERA ENERGY INC COM COMMON STOCK 65339F101   2,157,776 27,994 SH   SOLE   27,994 0 0
NEXTERA ENERGY INC COM COMMON STOCK 65339F101   336,068 4,360 SH   DFND   4,360 0 0
NUVEEN SELECT TAX-FREE INCOME PORTFOLIO MUTUAL FUNDS-NON TAX 67062F100   131,652 9,200 SH   SOLE   9,200 0 0
NUVEEN SELECT TAX-FREE INCOME PORTFOLIO MUTUAL FUNDS-NON TAX 67062F100   205,348 14,350 SH   DFND   14,350 0 0
NVIDIA CORPORATION COMMON STOCK 67066G104   1,526,010 5,494 SH   SOLE   5,494 0 0
NUVEEN CREDIT STRATEGIES INCOME FUND PREFERRED STOCK 67073D102   626,240 122,553 SH   SOLE   122,553 0 0
NUVEEN CREDIT STRATEGIES INCOME FUND PREFERRED STOCK 67073D102   49,158 9,620 SH   DFND   9,620 0 0
ORACLE CORP COM COMMON STOCK 68389X105   170,972 1,840 SH   SOLE   1,840 0 0
ORACLE CORP COM COMMON STOCK 68389X105   464,600 5,000 SH   DFND   5,000 0 0
PNC FINL SVCS GROUP INC COM COMMON STOCK 693475105   1,213,928 9,551 SH   SOLE   9,551 0 0
PNC FINL SVCS GROUP INC COM COMMON STOCK 693475105   197,005 1,550 SH   DFND   1,550 0 0
PPG INDS INC COM COMMON STOCK 693506107   333,281 2,495 SH   SOLE   2,495 0 0
PPL CORP COMMON COMMON STOCK 69351T106   446,110 16,053 SH   SOLE   16,053 0 0
PPL CORP COMMON COMMON STOCK 69351T106   64,750 2,330 SH   DFND   2,330 0 0
PEPSICO INC COM COMMON STOCK 713448108   7,977,601 43,761 SH   SOLE   43,761 0 0
PEPSICO INC COM COMMON STOCK 713448108   729,017 3,999 SH   DFND   3,199 0 800
PFIZER INC COM COMMON STOCK 717081103   2,368,596 58,069 SH   SOLE   58,069 0 0
PFIZER INC COM COMMON STOCK 717081103   343,285 8,416 SH   DFND   8,416 0 0
PHILLIP MORRIS INTERNATIONALINC COMMON STOCK 718172109   1,003,127 10,315 SH   SOLE   10,315 0 0
PHILLIP MORRIS INTERNATIONALINC COMMON STOCK 718172109   348,057 3,579 SH   DFND   2,929 0 650
PHILLIPS 66 COMMON STOCK 718546104   852,690 8,411 SH   SOLE   8,411 0 0
PHILLIPS 66 COMMON STOCK 718546104   11,658 115 SH   DFND   115 0 0
PROCTER AND GAMBLE CO COM COMMON STOCK 742718109   4,930,529 33,160 SH   SOLE   33,160 0 0
PROCTER AND GAMBLE CO COM COMMON STOCK 742718109   1,182,828 7,955 SH   DFND   6,955 0 1,000
PROSHARES ULTRA S & P 500 EFT ETF - EQUITY LARGE CAP 74347R107   404,612 8,060 SH   SOLE   8,060 0 0
PUBLIC SVC ENTERPRISE GRP INCOM COMMON STOCK 744573106   233,311 3,736 SH   SOLE   3,736 0 0
PUBLIC SVC ENTERPRISE GRP INCOM COMMON STOCK 744573106   58,453 936 SH   DFND   936 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101   345,001 3,523 SH   SOLE   3,523 0 0
SCHLUMBERGER LTD COM STK COMMON STOCK 806857108   362,622 7,387 SH   SOLE   7,387 0 0
SCHLUMBERGER LTD COM STK COMMON STOCK 806857108   8,590 175 SH   DFND   175 0 0
SOUTHERN CO COM COMMON STOCK 842587107   243,389 3,498 SH   SOLE   3,498 0 0
SOUTHERN CO COM COMMON STOCK 842587107   133,941 1,925 SH   DFND   1,925 0 0
TARGET CORP COMMON STOCK 87612E106   4,541,708 27,421 SH   SOLE   27,421 0 0
TARGET CORP COMMON STOCK 87612E106   221,280 1,336 SH   DFND   1,336 0 0
3M CO COMMON COMMON STOCK 88579Y101   1,740,593 16,560 SH   SOLE   16,560 0 0
3M CO COMMON COMMON STOCK 88579Y101   229,663 2,185 SH   DFND   2,185 0 0
VANECK VEC AGRIBUSINESS ETF ETF - EQUITY LARGE CAP 92189F700   1,991,159 22,924 SH   SOLE   22,924 0 0
VANECK VEC AGRIBUSINESS ETF ETF - EQUITY LARGE CAP 92189F700   78,608 905 SH   DFND   905 0 0
VANGUARD INTERMEDIATE TERM BOND INDEX ETF ETF - FIXED INCOME 921937819   26,926,812 350,886 SH   SOLE   350,886 0 0
VANGUARD INTERMEDIATE TERM BOND INDEX ETF ETF - FIXED INCOME 921937819   1,347,934 17,565 SH   DFND   14,065 0 3,500
VANGUARD FTSE DEVELOPED MARKET ETF ETF - FOREIGN EQUITY 921943858   1,307,154 28,945 SH   SOLE   28,945 0 0
VANGUARD FTSE DEVELOPED MARKET ETF ETF - FOREIGN EQUITY 921943858   15,806 350 SH   DFND   350 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF - FOREIGN EQUITY 922042858   893,202 22,109 SH   SOLE   22,109 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF - FOREIGN EQUITY 922042858   18,340 454 SH   DFND   454 0 0
VANGUARD SHORT TERM CORP BD ETF #3145 ETF - FIXED INCOME 92206C409   48,074,640 630,738 SH   SOLE   630,738 0 0
VANGUARD SHORT TERM CORP BD ETF #3145 ETF - FIXED INCOME 92206C409   4,263,051 55,931 SH   DFND   41,449 0 14,482
VANGUARD REIT INDEX #0986 ETF - EQUITY LARGE CAP 922908553   1,921,274 23,137 SH   SOLE   23,137 0 0
VANGUARD REIT INDEX #0986 ETF - EQUITY LARGE CAP 922908553   153,041 1,843 SH   DFND   1,843 0 0
VANGUARD TOTAL STOCK MARKET ETF ETF - EQUITY LARGE CAP 922908769   98,860,192 484,372 SH   SOLE   484,372 0 0
VANGUARD TOTAL STOCK MARKET ETF ETF - EQUITY LARGE CAP 922908769   3,060,679 14,996 SH   DFND   14,538 0 458
VERIZON COMMUNICATIONS INC COMMON STOCK 92343V104   2,931,973 75,412 SH   SOLE   75,412 0 0
VERIZON COMMUNICATIONS INC COMMON STOCK 92343V104   190,665 4,904 SH   DFND   4,904 0 0
VISA INC. COMMON STOCK 92826C839   235,828 1,046 SH   SOLE   1,046 0 0
WALMART INC COM COMMON STOCK 931142103   1,432,320 9,714 SH   SOLE   9,714 0 0
WALMART INC COM COMMON STOCK 931142103   73,724 500 SH   DFND   500 0 0
WELLS FARGO & CO NEW COMMON STOCK 949746101   241,508 6,461 SH   SOLE   6,461 0 0
WELLS FARGO & CO NEW COMMON STOCK 949746101   36,445 975 SH   DFND   975 0 0
XCEL ENERGY INC COM COMMON STOCK 98389B100   653,893 9,696 SH   SOLE   9,696 0 0
XCEL ENERGY INC COM COMMON STOCK 98389B100   26,706 396 SH   DFND   396 0 0
YUM BRANDS INC COMMON STOCK 988498101   1,107,740 8,387 SH   SOLE   8,387 0 0
YUM BRANDS INC COMMON STOCK 988498101   207,629 1,572 SH   DFND   572 0 1,000
YUM CHINA HOLDINGS INC COMMON STOCK 98850P109   590,623 9,319 SH   SOLE   9,319 0 0
YUM CHINA HOLDINGS INC COMMON STOCK 98850P109   99,633 1,572 SH   DFND   572 0 1,000
ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102   367,955 2,848 SH   SOLE   2,848 0 0
ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102   38,630 299 SH   DFND   299 0 0