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 313 5,848 SH   DFND   5,848 0 0
MSC INDUSTRIAL DIRECT CO - A CL A 553530106 955 12,854 SH   DFND   12,854 0 0
COMCAST CORP NEW COM CL A CL A 20030N101 15,353 363,135 SH   DFND   362,900 0 235
NEW CORP NEW CLASS A CL A 65249B109 225 16,716 SH   DFND   16,716 0 0
LITHIA MOTORS INC CL A CL A 536797103 1,312 11,049 SH   DFND   11,049 0 0
UNITED PARCEL SVC INC CL B CL B 911312106 505 4,890 SH   DFND   4,819 0 71
MASTERCARD CLA 57636Q104 17,243 65,184 SH   DFND   65,136 0 48
AIR PRODUCTS & CHEMICALS INC COM 009158106 5,997 26,494 SH   DFND   26,419 0 75
AMERCO COM 023586100 871 2,300 SH   DFND   2,300 0 0
AMERICAN EXPRESS CO COM 025816109 930 7,531 SH   DFND   7,531 0 0
APPLE INC COM 037833100 14,528 73,403 SH   DFND   73,299 0 104
AUTOMATIC DATA PROCESSING COM 053015103 272 1,646 SH   DFND   1,601 0 45
BB&T CORP COM 054937107 6,349 129,230 SH   DFND   129,092 0 138
BANK OF AMERICA COM 060505104 841 29,000 SH   DFND   29,000 0 0
BAXTER INTL INC COM 071813109 6,549 79,961 SH   DFND   79,868 0 93
BECTON DICKINSON COM 075887109 6,789 26,940 SH   DFND   26,917 0 23
CVS HEALTH CORPORATION COM 126650100 9,587 175,949 SH   DFND   175,839 0 110
CITIZENS FINANCIAL COM 174610105 460 13,000 SH   DFND   13,000 0 0
COCA-COLA CO COM 191216100 5,374 105,543 SH   DFND   105,348 0 195
DOLLAR GENERAL CORP COM 256677105 3,820 28,265 SH   DFND   28,226 0 39
EMERSON ELECTRIC CO COM 291011104 4,596 68,886 SH   DFND   68,823 0 63
FRANKLIN RES INC COM 354613101 435 12,500 SH   DFND   12,500 0 0
GAP INC COM 364760108 370 20,595 SH   DFND   20,320 0 275
GENUINE PARTS CO COM 372460105 214 2,069 SH   DFND   2,001 0 68
HONEYWELL INTERNATIONAL, INC. COM 438516106 5,679 32,529 SH   DFND   32,499 0 30
JOHNSON & JOHNSON COM 478160104 8,804 63,214 SH   DFND   63,086 0 128
LOWES COS INC COM 548661107 9,682 95,945 SH   DFND   95,874 0 71
MICROSOFT CORP COM 594918104 10,874 81,173 SH   DFND   80,991 0 182
MOODYS CORP COM COM 615369105 1,172 6,000 SH   DFND   6,000 0 0
PEPSICO INC COM 713448108 12,646 96,442 SH   DFND   96,288 0 154
PHILIP MORRIS INTL,INC COM 718172109 371 4,725 SH   DFND   4,608 0 117
SOUTHWEST AIRLS CO COM 844741108 833 16,400 SH   DFND   16,400 0 0
STARBUCKS CORP COM 855244109 5,551 66,216 SH   DFND   66,142 0 74
TJX COS INC NEW COM 872540109 11,679 220,867 SH   DFND   220,667 0 200
UNION PACIFIC CORP COM 907818108 912 5,392 SH   DFND   5,392 0 0
UNITED TECHNOLOGIES CORP COM 913017109 8,526 65,485 SH   DFND   65,415 0 70
BLACKROCK INC COM 09247X101 10,566 22,515 SH   DFND   22,476 0 39
CISCO SYS INC COM 17275R102 279 5,098 SH   DFND   4,863 0 235
EXXON MOBIL CORP COM 30231G102 5,338 69,657 SH   DFND   69,529 0 128
FEDEX CORP COM 31428X106 8,422 51,293 SH   DFND   51,242 0 51
INTERACTIVE BROKERS GROUP COM 45841N107 651 12,005 SH   DFND   12,005 0 0
J.P. MORGAN CHASE & CO COM 46625H100 11,879 106,256 SH   DFND   106,095 0 161
ORACLE SYS CORP COM 68389X105 7,903 138,729 SH   DFND   138,610 0 119
S&P GLOBAL INC COM 78409V104 3,464 15,208 SH   DFND   15,185 0 23
SYNCHRONY FINAN COM 87165B103 1,028 29,650 SH   DFND   29,650 0 0
TD AMERITRADE HOLDINGS COM 87236Y108 631 12,640 SH   DFND   12,640 0 0
UNITEDHEALTH GROUP INC COM COM 91324P102 11,454 46,940 SH   DFND   46,903 0 37
VISA IN - CLASS A COM CL A 92826C839 798 4,600 SH   DFND   4,600 0 0
DISNEY WALT PRODUCTIONS COM DISNEY 254687106 10,777 77,175 SH   DFND   77,115 0 60
U S BANCORP COM NEW 902973304 2,428 46,330 SH   DFND   46,189 0 141
ISHARES CORE MSCI EAFE ETF CORE MSCI EAFE 46432F842 915 14,910 SH   DFND   14,910 0 0
MEDTRONIC PLC SHS G5960L103 4,768 48,962 SH   DFND   48,912 0 50
ACCENTURE LTD SHS CLASS A G1151C101 13,621 73,718 SH   DFND   73,651 0 67
DOW INC COM 260557103 2,281 46,258 SH   DFND   46,204 0 54
ISHARES TR CORE S&P500 ETF 464287200 312 1,060 SH   DFND   1,060 0 0
ISHARES TR CORE S&P MCP ETF 464287507 265 1,365 SH   DFND   1,365 0 0
ISHARES TR CORE S&P SCP ETF 464287804 678 8,655 SH   DFND   8,655 0 0
ISHARES TR INTRM TR CRP ETF 464288638 278 4,873 SH   DFND   4,873 0 0
NORFOLK SOUTHERN CORP COM 655844108 299 1,500 SH   DFND   1,500 0 0
ROSS STORES INC COM 778296103 273 2,750 SH   DFND   2,750 0 0
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 344 5,200 SH   DFND   5,200 0 0
CORTEVA INC COM 22052L104 1,326 44,856 SH   DFND   44,856 0 0
DUPONT DE NEMOURS INC COM 26614N102 4,088 54,451 SH   DFND   54,357 0 94
FOX CORP CL B COM 35137L204 528 14,464 SH   DFND   14,464 0 0
ISHARES TR FLTG RATE NT ETF 46429B655 307 6,028 SH   DFND   6,028 0 0
ISHARES INC CORE MSCI EMKT 46434G103 1,152 22,390 SH   DFND   22,390 0 0
ALLERGAN PLC SHS G0177J108 212 1,265 SH   DFND   1,265 0 0