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
3M COMPANY Equities 88579Y101 509 2,867 SH   SOLE 0 2,867 0 0
ABBOTT LABS Equities 002824100 3,695 26,252 SH   SOLE 0 26,192 60 0
ABBVIE INC. Equities 00287Y109 986 7,281 SH   SOLE 0 7,231 50 0
ACCENTURE PLC Equities G1151C101 2,497 6,024 SH   SOLE 0 6,024 0 0
ADOBE SYSTEMS, INC. Equities 00724F101 3,950 6,966 SH   SOLE 0 6,951 15 0
ADVANCED MICRO DEVICES INC Equities 007903107 761 5,290 SH   SOLE 0 5,290 0 0
AIR PRODUCTS AND CHEMICALS Equities 009158106 260 855 SH   SOLE 0 835 20 0
ALBEMARLE CORPORATION Equities 012653101 1,171 5,010 SH   SOLE 0 4,975 35 0
ALLSTATE CORP Equities 020002101 686 5,835 SH   SOLE 0 5,835 0 0
ALPHABET INC CL A Equities 02079K305 5,956 2,056 SH   SOLE 0 2,051 5 0
ALPHABET INC CL C Equities 02079K107 683 236 SH   SOLE 0 236 0 0
AMAZON.COM INC Equities 023135106 3,574 1,072 SH   SOLE 0 1,070 2 0
AMERICAN EXPRESS CO Equities 025816109 61 375 SH   DFND 0 375 0 0
AMERICAN EXPRESS CO Equities 025816109 2,461 15,043 SH   SOLE 0 15,013 30 0
AMERICAN TOWER CORPORATION Equities 03027X100 303 1,037 SH   SOLE 0 1,037 0 0
AMERICAN WATER WORKS Equities 030420103 1,547 8,190 SH   SOLE 0 8,150 40 0
AMERISOURCEBERGEN Equities 03073E105 414 3,117 SH   SOLE 0 3,117 0 0
ANALOG DEVICES Equities 032654105 2,608 14,840 SH   SOLE 0 14,800 40 0
APPLE COMPUTER INC Equities 037833100 10,501 59,138 SH   SOLE 0 59,058 80 0
APPLIED INDUSTRIAL Equities 03820C105 205 2,000 SH   SOLE 0 2,000 0 0
AT&T INC Equities 00206R102 13 530 SH   DFND 0 530 0 0
AT&T INC Equities 00206R102 248 10,099 SH   SOLE 0 10,099 0 0
BECTON DICKINSON AND CO Equities 075887109 1,287 5,119 SH   SOLE 0 5,119 0 0
BRISTOL-MYERS SQUIBB Equities 110122108 457 7,325 SH   SOLE 0 7,325 0 0
CATERPILLAR INC. Equities 149123101 217 1,048 SH   SOLE 0 1,048 0 0
CHEVRON CORPORATION Equities 166764100 1,885 16,064 SH   SOLE 0 16,019 45 0
CHEVRON CORPORATION Equities 166764100 30 257 SH   DFND 0 257 0 0
COCA COLA CO Equities 191216100 316 5,336 SH   SOLE 0 5,336 0 0
COLGATE PALMOLIVE CO Equities 194162103 217 2,542 SH   SOLE 0 2,542 0 0
COMCAST CORP CL A Equities 20030N101 2,394 47,564 SH   SOLE 0 47,439 125 0
COMCAST CORP CL A Equities 20030N101 19 378 SH   DFND 0 378 0 0
CONAGRA FOODS INC Equities 205887102 368 10,780 SH   SOLE 0 10,780 0 0
COSTCO WHOLESALE Equities 22160K105 5,759 10,145 SH   SOLE 0 10,127 18 0
CUMMINS Equities 231021106 1,739 7,970 SH   SOLE 0 7,942 28 0
CVS HEALTH CORP Equities 126650100 458 4,442 SH   SOLE 0 4,442 0 0
DANAHER CORP Equities 235851102 2,946 8,953 SH   SOLE 0 8,928 25 0
DEERE & CO Equities 244199105 343 1,000 SH   SOLE 0 1,000 0 0
DOLLAR GENERAL CORP Equities 256677105 1,110 4,705 SH   SOLE 0 4,670 35 0
EBAY INC Equities 278642103 230 3,453 SH   SOLE 0 3,453 0 0
EDWARDS LIFESCIENCES CORP Equities 28176E108 202 1,560 SH   SOLE 0 1,560 0 0
ELECTRONIC ARTS INC. Equities 285512109 948 7,185 SH   SOLE 0 7,185 0 0
EMERSON ELEC CO Equities 291011104 251 2,700 SH   SOLE 0 2,700 0 0
ENERGY SELECT SECTOR SPDR Equities 81369Y506 486 8,755 SH   SOLE 0 8,755 0 0
EVEREST RE GROUP LTD Equities G3223R108 626 2,286 SH   SOLE 0 2,286 0 0
EVERSOURCE ENERGY Equities 30040W108 107 1,178 SH   SOLE 0 1,178 0 0
EVERSOURCE ENERGY Equities 30040W108 119 1,312 SH   DFND 0 1,312 0 0
EXXON MOBIL CORP. Equities 30231G102 50 820 SH   DFND 0 820 0 0
EXXON MOBIL CORP. Equities 30231G102 373 6,095 SH   SOLE 0 6,095 0 0
FISERV INC Equities 337738108 716 6,899 SH   SOLE 0 6,899 0 0
GENERAL DYNAMICS Equities 369550108 706 3,385 SH   SOLE 0 3,355 30 0
GENERAL MILLS INC Equities 370334104 266 3,955 SH   SOLE 0 3,955 0 0
HOME DEPOT Equities 437076102 5,264 12,684 SH   SOLE 0 12,664 20 0
HONEYWELL INTERNATIONAL INC. Equities 438516106 427 2,047 SH   SOLE 0 2,047 0 0
INTERCONTINENTAL EXCHANGE Equities 45866F104 1,725 12,615 SH   SOLE 0 12,615 0 0
INTERNATIONAL BUSINESS MACHINES Equities 459200101 221 1,650 SH   SOLE 0 1,650 0 0
INTERNATIONAL BUSINESS MACHINES Equities 459200101 134 1,000 SH   DFND 0 1,000 0 0
INTUIT INC Equities 461202103 215 335 SH   SOLE 0 335 0 0
INTUITIVE SURGICAL INC Equities 46120E602 435 1,210 SH   SOLE 0 1,210 0 0
IQ MERGER ARBITRAGE ETF Equities 45409B800 323 10,000 SH   SOLE 0 10,000 0 0
ISHARES MSCI EM MKTS Equities 464287234 7,573 155,028 SH   SOLE 0 154,665 240 123
ISHARES MSCI EM MKTS Equities 464287234 26 530 SH   DFND 0 430 0 100
ISHARES: COHEN & STEERS REIT Equities 464287564 7,742 101,763 SH   SOLE 0 101,563 200 0
ISHARES: COHEN & STEERS REIT Equities 464287564 18 240 SH   DFND 0 240 0 0
ISHARES: MSCI EAFE INDEX FUND Equities 464287465 37 465 SH   DFND 0 390 0 75
ISHARES: MSCI EAFE INDEX FUND Equities 464287465 6,659 84,628 SH   SOLE 0 84,376 150 102
ISHARES: MSCI EAFE SMALL CAP Equities 464288273 32 440 SH   DFND 0 330 0 110
ISHARES: MSCI EAFE SMALL CAP Equities 464288273 9,417 128,846 SH   SOLE 0 128,576 125 145
ISHARES: RUSSELL 1000 GROWTH Equities 464287614 440 1,440 SH   SOLE 0 1,440 0 0
ISHARES: S&P 500 GROWTH INDEX Equities 464287309 161 1,925 SH   DFND 0 1,525 0 400
ISHARES: S&P 500 GROWTH INDEX Equities 464287309 16,353 195,445 SH   SOLE 0 194,963 0 482
ISHARES: S&P 500 INDEX Equities 464287200 386 810 SH   DFND 0 630 0 180
ISHARES: S&P 500 INDEX Equities 464287200 38,837 81,422 SH   SOLE 0 81,176 0 246
ISHARES: S&P 500 VALUE INDEX Equities 464287408 14,087 89,937 SH   SOLE 0 89,680 0 257
ISHARES: S&P 500 VALUE INDEX Equities 464287408 75 480 SH   DFND 0 300 0 180
ISHARES: S&P MID CAP VALUE INDE Equities 464287705 1,983 17,913 SH   SOLE 0 17,846 30 37
ISHARES: S&P MID CAP VALUE INDE Equities 464287705 8 71 SH   DFND 0 45 0 26
ISHARES: S&P MIDCAP 400 INDEX Equities 464287507 43,572 153,921 SH   SOLE 0 153,806 0 115
ISHARES: S&P MIDCAP 400 INDEX Equities 464287507 153 539 SH   DFND 0 459 0 80
ISHARES: S&P MIDCAP GROWTH Equities 464287606 3,717 43,596 SH   SOLE 0 43,096 500 0
ISHARES: S&P SMALL CAP GROWTH Equities 464287887 1,607 11,579 SH   SOLE 0 11,497 50 32
ISHARES: S&P SMALL CAP GROWTH Equities 464287887 8 60 SH   DFND 0 35 0 25
ISHARES: S&P SMALLCAP 600 INDEX Equities 464287804 96 835 SH   DFND 0 735 0 100
ISHARES: S&P SMALLCAP 600 INDEX Equities 464287804 23,858 208,347 SH   SOLE 0 207,980 225 142
JOHNSON & JOHNSON Equities 478160104 9 55 SH   DFND 0 55 0 0
JOHNSON & JOHNSON Equities 478160104 940 5,492 SH   SOLE 0 5,492 0 0
JP MORGAN CHASE & CO. Equities 46625H100 3,617 22,843 SH   SOLE 0 22,793 50 0
JP MORGAN CHASE & CO. Equities 46625H100 193 1,216 SH   DFND 0 1,216 0 0
KINDER MORGAN INC Equities 49456B101 222 13,970 SH   SOLE 0 13,775 195 0
KLA CORP Equities 482480100 2,502 5,816 SH   SOLE 0 5,794 22 0
LAM RESEARCH CORP Equities 512807108 2,116 2,942 SH   SOLE 0 2,932 10 0
LENNAR CORP Equities 526057104 434 3,740 SH   SOLE 0 3,740 0 0
LOWES COMPANIES INC. Equities 548661107 715 2,765 SH   SOLE 0 2,765 0 0
MCDONALDS CORP Equities 580135101 465 1,733 SH   SOLE 0 1,733 0 0
MCKESSON HBOC INC. Equities 58155Q103 652 2,624 SH   SOLE 0 2,624 0 0
MEDTRONIC PLC Equities G5960L103 875 8,454 SH   SOLE 0 8,419 35 0
MERCK Equities 58933Y105 269 3,515 SH   SOLE 0 3,515 0 0
META PLATFORMS INC Equities 30303M102 1,912 5,685 SH   SOLE 0 5,663 22 0
MICRON TECHNOLOGY INC Equities 595112103 1,682 18,059 SH   SOLE 0 17,969 90 0
MICROSOFT CORP. Equities 594918104 7,282 21,652 SH   SOLE 0 21,622 30 0
MONSTER BEVERAGE.COM Equities 61174X109 556 5,785 SH   SOLE 0 5,715 70 0
MORNINGSTAR INC Equities 617700109 2,237 6,541 SH   SOLE 0 6,511 30 0
NETFLIX INC COM Equities 64110L106 493 819 SH   SOLE 0 811 8 0
NEXTERA ENERGY, INC. Equities 65339F101 2,422 25,942 SH   SOLE 0 25,852 90 0
NIKE INC. Equities 654106103 1,123 6,735 SH   SOLE 0 6,735 0 0
NORTHROP GRUMMAN Equities 666807102 570 1,472 SH   SOLE 0 1,472 0 0
ORACLE CORP Equities 68389X105 787 9,023 SH   SOLE 0 9,023 0 0
PACKAGING CORP OF AMERICA Equities 695156109 323 2,370 SH   SOLE 0 2,370 0 0
PARKER HANNIFIN CORP Equities 701094104 2,862 8,998 SH   SOLE 0 8,976 22 0
PAYPAL HOLDINGS Equities 70450Y103 585 3,103 SH   SOLE 0 3,103 0 0
PEPSICO INC Equities 713448108 643 3,699 SH   SOLE 0 3,699 0 0
PFIZER INC Equities 717081103 350 5,929 SH   SOLE 0 5,929 0 0
PIMCO 1-5 YEAR US TIPS INDEX ET Equities 72201R205 276 5,000 SH   SOLE 0 5,000 0 0
PIMCO MUNI INC II Equities 72200W106 146 10,000 SH   SOLE 0 10,000 0 0
PPG IND INC Equities 693506107 1,451 8,417 SH   SOLE 0 8,417 0 0
PROCTER & GAMBLE COMPANY Equities 742718109 283 1,731 SH   SOLE 0 1,731 0 0
PROGRESSIVE CORP Equities 743315103 1,132 11,031 SH   SOLE 0 10,981 50 0
QUALCOMM INC. Equities 747525103 2,616 14,305 SH   SOLE 0 14,245 60 0
S&P GLOBAL Equities 78409V104 519 1,100 SH   SOLE 0 1,100 0 0
SKYWORKS SOLUTIONS INC Equities 83088M102 2,102 13,550 SH   SOLE 0 13,505 45 0
SOUTHERN CO Equities 842587107 416 6,067 SH   SOLE 0 6,067 0 0
SPDR BARCLAY'S CONVERTIBLE Equities 78464A359 899 10,840 SH   SOLE 0 10,840 0 0
STANDARD & POORS DEP. RECEIPTS Equities 78462F103 408 860 SH   SOLE 0 860 0 0
STRYKER CORP Equities 863667101 2,008 7,508 SH   SOLE 0 7,483 25 0
T.ROWE PRICE GROUP INC Equities 74144T108 222 1,130 SH   SOLE 0 1,130 0 0
TAIWAN SEMICONDUCTOR ADR Equities 874039100 369 3,070 SH   SOLE 0 3,070 0 0
TECHNOLOGY SELECT SECTOR SPDR Equities 81369Y803 324 1,865 SH   SOLE 0 1,740 125 0
THERMO FISHER SCIENTIFIC CORP Equities 883556102 623 933 SH   SOLE 0 933 0 0
TRAVELERS COMPANIES INC Equities 89417E109 669 4,275 SH   SOLE 0 4,275 0 0
TRAVELERS COMPANIES INC Equities 89417E109 0 2 SH   DFND 0 2 0 0
UNION PAC CORP Equities 907818108 101 400 SH   DFND 0 400 0 0
UNION PAC CORP Equities 907818108 323 1,283 SH   SOLE 0 1,283 0 0
UNITED HEALTH GROUP Equities 91324P102 1,458 2,903 SH   SOLE 0 2,886 17 0
VANGUARD INDEX FDS GROWTH ETF Equities 922908736 497 1,550 SH   SOLE 0 1,550 0 0
VANGUARD INTERM-TERM BOND ETF Equities 921937819 3,534 40,333 SH   SOLE 0 40,333 0 0
VANGUARD REIT FUND Equities 922908553 499 4,298 SH   SOLE 0 4,298 0 0
VANGUARD SHT-TRM INFL-PROT ETF Equities 922020805 12,890 250,777 SH   SOLE 0 250,752 0 25
VANGUARD SHT-TRM INFL-PROT ETF Equities 922020805 9 170 SH   DFND 0 120 0 50
VANGUARD TOTAL STOCK MARKET FUN Equities 922908769 427 1,770 SH   SOLE 0 1,770 0 0
VERIZON COMMUNICATIONS Equities 92343V104 812 15,633 SH   SOLE 0 15,633 0 0
VERIZON COMMUNICATIONS Equities 92343V104 22 425 SH   DFND 0 425 0 0
VISA INC Equities 92826C839 3,665 16,912 SH   SOLE 0 16,877 35 0
WAL MART STORES, INC Equities 931142103 2,223 15,367 SH   SOLE 0 15,322 45 0
WALT DISNEY COMPANY Equities 254687106 2,043 13,188 SH   SOLE 0 13,138 50 0
WASTE MANAGEMENT INC. Equities 94106L109 462 2,771 SH   SOLE 0 2,771 0 0
WATERS CORP. Equities 941848103 1,905 5,113 SH   SOLE 0 5,103 10 0
WEC ENERGY GROUP INC Equities 92939U106 325 3,350 SH   SOLE 0 3,350 0 0
WEC ENERGY GROUP INC Equities 92939U106 27 282 SH   DFND 0 282 0 0
WELLS FARGO & CO. Equities 949746101 2,259 47,076 SH   SOLE 0 47,076 0 0
WILLIAMS-SONOMA INC Equities 969904101 1,824 10,786 SH   SOLE 0 10,736 50 0
YUM! BRANDS, INC. Equities 988498101 204 1,470 SH   SOLE 0 1,470 0 0