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
ISHARES SHORT-TERM CORPORATE BOND ETF 1-3 YR CR BD ETF 464288646 304 5,888 SH   DFND   5,888 0 0
COMCAST CORP NEW COM CL A CL A 20030N101 12,288 360,871 SH   DFND   360,611 0 260
MSC INDUSTRIAL DIRECT CO - A CL A 553530106 854 11,104 SH   DFND   11,104 0 0
NEW CORP NEW CLASS A CL A 65249B109 190 16,716 SH   DFND   16,716 0 0
TWENTY-FIRST CENTURY FOX, INC. CL A 90130A200 377 7,900 SH   DFND   7,900 0 0
LITHIA MOTORS INC CL A CL A 536797103 859 11,249 SH   DFND   11,249 0 0
UNITED PARCEL SVC INC CL B CL B 911312106 427 4,381 SH   DFND   4,310 0 71
MASTERCARD CLA 57636Q104 13,488 71,496 SH   DFND   71,451 0 45
AIR PRODUCTS & CHEMICALS INC COM 009158106 4,270 26,680 SH   DFND   26,586 0 94
AMERCO COM 023586100 755 2,300 SH   DFND   2,300 0 0
AMERICAN EXPRESS CO COM 025816109 797 8,366 SH   DFND   8,366 0 0
APPLE INC COM 037833100 11,845 75,095 SH   DFND   74,983 0 112
ARCONIC INC COM 03965L100 312 18,500 SH   DFND   18,500 0 0
AUTOMATIC DATA PROCESSING COM 053015103 217 1,653 SH   DFND   1,608 0 45
BANK OF AMERICA COM 060505104 614 24,900 SH   DFND   24,900 0 0
BAXTER INTL INC COM 071813109 5,263 79,962 SH   DFND   79,872 0 90
BECTON DICKINSON COM 075887109 6,408 28,439 SH   DFND   28,419 0 20
BLACKROCK INC COM 09247X101 8,866 22,571 SH   DFND   22,532 0 39
CVS HEALTH CORPORATION COM 126650100 9,815 149,801 SH   DFND   149,670 0 131
CISCO SYS INC COM 17275R102 242 5,585 SH   DFND   5,350 0 235
CITIZENS FINANC COM 174610105 312 10,500 SH   DFND   10,500 0 0
COCA-COLA CO COM 191216100 4,390 92,720 SH   DFND   92,538 0 182
DOLLAR GENERAL CORP COM 256677105 778 7,200 SH   DFND   7,200 0 0
DOWDUPONT INC COM 26078J100 8,547 159,819 SH   DFND   159,536 0 283
EMERSON ELECTRIC CO COM 291011104 4,008 67,084 SH   DFND   67,039 0 45
EXXON MOBIL CORP COM 30231G102 4,682 68,666 SH   DFND   68,541 0 125
FEDEX CORP COM 31428X106 5,201 32,240 SH   DFND   32,220 0 20
FRANKLIN RES INC COM 354613101 578 19,500 SH   DFND   19,500 0 0
GAP INC COM 364760108 488 18,962 SH   DFND   18,617 0 345
HONEYWELL INTERNATIONAL, INC. COM 438516106 2,582 19,544 SH   DFND   19,514 0 30
INTERACTIVE BROKERS GROUP COM 45841N107 536 9,805 SH   DFND   9,805 0 0
J.P. MORGAN CHASE & CO COM 46625H100 11,021 112,895 SH   DFND   112,737 0 158
JOHNSON & JOHNSON COM 478160104 8,159 63,221 SH   DFND   63,093 0 128
LOWES COS INC COM 548661107 6,436 69,688 SH   DFND   69,618 0 70
MICROSOFT CORP COM 594918104 8,262 81,341 SH   DFND   81,137 0 204
ORACLE SYS CORP COM 68389X105 7,174 158,885 SH   DFND   158,775 0 110
PEPSICO INC COM 713448108 10,990 99,472 SH   DFND   99,290 0 182
PHILIP MORRIS INTL,INC COM 718172109 298 4,457 SH   DFND   4,366 0 91
SCHLUMBERGER COM 806857108 5,831 161,620 SH   DFND   161,470 0 150
SOUTHWEST AIRLS CO COM 844741108 753 16,200 SH   DFND   16,200 0 0
STANLEY BLACK AND DECKER COM 854502101 239 2,000 SH   DFND   2,000 0 0
STARBUCKS CORP COM 855244109 4,445 69,021 SH   DFND   68,951 0 70
SYNCHRONY FINAN COM 87165B103 862 36,750 SH   DFND   36,750 0 0
TD AMERITRADE HOLDINGS COM 87236Y108 607 12,400 SH   DFND   12,400 0 0
TJX COS INC NEW COM 872540109 10,060 224,864 SH   DFND   224,664 0 200
UNION PACIFIC CORP COM 907818108 628 4,542 SH   DFND   4,542 0 0
UNITED TECHNOLOGIES CORP COM 913017109 7,717 72,478 SH   DFND   72,408 0 70
UNITEDHEALTH GROUP INC COM COM 91324P102 13,252 53,197 SH   DFND   53,162 0 35
ZIMMER HLDGS INC COM COM 98956P102 225 2,170 SH   DFND   2,170 0 0
VISA IN - CLASS A COM CL A 92826C839 218 1,650 SH   DFND   1,650 0 0
DISNEY WALT PRODUCTIONS COM DISNEY 254687106 7,752 70,701 SH   DFND   70,641 0 60
U S BANCORP COM NEW 902973304 1,393 30,478 SH   DFND   30,318 0 160
ISHARES CORE MSCI EAFE ETF CORE MSCI EAFE 46432F842 820 14,910 SH   DFND   14,910 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF CORE MSCI EMKT 46434G103 1,012 21,470 SH   DFND   21,470 0 0
ISHARES CORE S&P MID-CAP ETF CORE S&P MCP ETF 464287507 227 1,365 SH   DFND   1,365 0 0
ISHARES CORE S&P SMALL-CAP ETF CORE S&P SCP ETF 464287804 600 8,655 SH   DFND   8,655 0 0
ISHARES FLOATING RATE BOND E FLTG RATE NT ETF 46429B655 304 6,033 SH   DFND   6,033 0 0
VANGUARD FTSE PACIFIC ETF INF TECH ETF 922042866 288 4,750 SH   DFND   4,750 0 0
ISHARES INTERMEDIATE TERM CORP BOND ETF INTERM CR BD ETF 464288638 257 4,903 SH   DFND   4,903 0 0
MEDTRONIC PLC SHS G5960L103 4,453 48,956 SH   DFND   48,911 0 45
ACCENTURE LTD SHS CLASS A G1151C101 10,605 75,205 SH   DFND   75,130 0 75
BB&T CORP COM 054937107 5,626 129,874 SH   DFND   129,687 0 187
MOODYS CORP COM 615369105 672 4,800 SH   DFND   4,800 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 788 3,152 SH   DFND   3,152 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 229 1,796 SH   DFND   1,796 0 0