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 CO COM 88579Y101 599 3,394 SH   SOLE   3,224 170 0
ABBOTT LABS COM 002824100 625 7,200 SH   DFND   7,200 0 0
ABBOTT LABS COM 002824100 9,381 108,005 SH   SOLE   104,745 2,460 800
ABBVIE INC COM 00287Y109 422 4,765 SH   DFND   4,765 0 0
ABBVIE INC COM 00287Y109 522 5,882 SH   SOLE   3,232 2,650 0
AGILENT TECHNOLOGIES INC COM 00846U101 213 2,495 SH   SOLE   995 1,500 0
AIR PRODS & CHEMS INC COM 009158106 459 1,955 SH   DFND   1,955 0 0
ALPHABET INC CAP STK CL A 02079K305 338 252 SH   DFND   252 0 0
ALPHABET INC CAP STK CL A 02079K305 11,027 8,233 SH   SOLE   8,058 135 40
ALPHABET INC CAP STK CL C 02079K107 317 237 SH   DFND   237 0 0
ALPHABET INC CAP STK CL C 02079K107 1,810 1,354 SH   SOLE   1,264 90 0
ALTRIA GROUP INC COM 02209S103 6,366 127,530 SH   SOLE   120,990 5,500 1,040
ALTRIA GROUP INC COM 02209S103 125 2,500 SH   DFND   2,500 0 0
AMAZON COM INC COM 023135106 22 12 SH   DFND   12 0 0
AMAZON COM INC COM 023135106 5,308 2,873 SH   SOLE   2,788 85 0
AMERICAN ELEC PWR CO INC COM 025537101 421 4,452 SH   SOLE   4,452 0 0
AMERICAN EXPRESS CO COM 025816109 204 1,641 SH   SOLE   1,641 0 0
AMERICAN TOWER CORP NEW COM 03027X100 1,415 6,155 SH   SOLE   6,125 0 30
AMGEN INC COM 031162100 31 130 SH   DFND   130 0 0
AMGEN INC COM 031162100 955 3,964 SH   SOLE   3,964 0 0
AMPHENOL CORP NEW CL A 032095101 3 30 SH   DFND   30 0 0
AMPHENOL CORP NEW CL A 032095101 364 3,364 SH   SOLE   3,364 0 0
APPLE INC COM 037833100 1,141 3,886 SH   DFND   3,886 0 0
APPLE INC COM 037833100 14,677 49,982 SH   SOLE   49,532 380 70
AT&T INC COM 00206R102 486 12,450 SH   DFND   12,450 0 0
AT&T INC COM 00206R102 7,274 186,126 SH   SOLE   177,318 6,382 2,426
AUTOMATIC DATA PROCESSING IN COM 053015103 1,407 8,250 SH   DFND   8,250 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 2,984 17,502 SH   SOLE   17,352 0 150
BANK AMER CORP COM 060505104 2,440 69,260 SH   SOLE   69,025 0 235
BAXTER INTL INC COM 071813109 3,177 37,985 SH   SOLE   37,420 490 75
BECTON DICKINSON & CO COM 075887109 218 800 SH   SOLE   800 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 548 2,418 SH   DFND   2,418 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 5,554 24,518 SH   SOLE   22,011 2,457 50
BLACKROCK INC COM 09247X101 382 759 SH   DFND   759 0 0
BLACKROCK INC COM 09247X101 356 708 SH   SOLE   708 0 0
BOEING CO COM 097023105 49 150 SH   DFND   150 0 0
BOEING CO COM 097023105 862 2,646 SH   SOLE   1,946 700 0
BOOKING HLDGS INC COM 09857L108 58 28 SH   DFND   28 0 0
BOOKING HLDGS INC COM 09857L108 392 191 SH   SOLE   191 0 0
BP PLC SPONSORED ADR 055622104 227 6,009 SH   SOLE   6,009 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 130 2,030 SH   DFND   2,030 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 6,870 107,017 SH   SOLE   102,010 3,677 1,330
CARRIAGE SVCS INC COM 143905107 213 8,337 SH   SOLE   8,337 0 0
CATERPILLAR INC DEL COM 149123101 659 4,462 SH   SOLE   4,462 0 0
CHEVRON CORP NEW COM 166764100 12 100 SH   DFND   100 0 0
CHEVRON CORP NEW COM 166764100 11,700 97,091 SH   SOLE   93,816 2,435 840
CIGNA CORP NEW COM 125523100 560 2,740 SH   SOLE   2,740 0 0
CISCO SYS INC COM 17275R102 515 10,745 SH   DFND   10,745 0 0
CISCO SYS INC COM 17275R102 2,674 55,734 SH   SOLE   55,734 0 0
CITIGROUP INC COM NEW 172967424 337 4,225 SH   DFND   4,225 0 0
CITIGROUP INC COM NEW 172967424 376 4,705 SH   SOLE   4,705 0 0
CLOROX CO DEL COM 189054109 1,929 12,563 SH   SOLE   12,513 50 0
COCA COLA CO COM 191216100 4,012 72,486 SH   SOLE   70,561 1,425 500
COCA COLA CO COM 191216100 539 9,740 SH   DFND   9,740 0 0
COGNIZANT TECHNOLOGY SOLUTIO CL A 192446102 384 6,195 SH   SOLE   6,195 0 0
COGNIZANT TECHNOLOGY SOLUTIO CL A 192446102 86 1,380 SH   DFND   1,380 0 0
COLGATE PALMOLIVE CO COM 194162103 298 4,336 SH   SOLE   4,336 0 0
COMCAST CORP NEW CL A 20030N101 325 7,230 SH   DFND   7,230 0 0
COMCAST CORP NEW CL A 20030N101 1,003 22,286 SH   SOLE   22,286 0 0
CONOCOPHILLIPS COM 20825C104 31 480 SH   DFND   480 0 0
CONOCOPHILLIPS COM 20825C104 953 14,656 SH   SOLE   12,858 738 1,060
COSTCO WHSL CORP NEW COM 22160K105 41 138 SH   DFND   138 0 0
COSTCO WHSL CORP NEW COM 22160K105 8,019 27,283 SH   SOLE   27,233 0 50
CVS HEALTH CORP COM 126650100 3,529 47,502 SH   SOLE   47,127 375 0
DANAHER CORPORATION COM 235851102 42 273 SH   DFND   273 0 0
DANAHER CORPORATION COM 235851102 1,127 7,341 SH   SOLE   7,341 0 0
DISNEY WALT CO COM DISNEY 254687106 33 225 SH   DFND   225 0 0
DISNEY WALT CO COM DISNEY 254687106 2,232 15,429 SH   SOLE   15,179 250 0
DOMINION ENERGY INC COM 25746U109 1,987 23,997 SH   SOLE   22,072 1,925 0
DUKE ENERGY CORP NEW COM NEW 26441C204 2,334 25,589 SH   SOLE   22,794 1,832 963
DUPONT DE NEMOURS INC COM 26614N102 20 307 SH   DFND   307 0 0
DUPONT DE NEMOURS INC COM 26614N102 209 3,249 SH   SOLE   2,771 478 0
EMERSON ELEC CO COM 291011104 2,406 31,545 SH   SOLE   31,545 0 0
ENBRIDGE INC COM 29250N105 4,239 106,593 SH   SOLE   102,565 3,659 369
ENVIVA PARTNERS LP COM UNIT 29414J107 205 5,500 SH   SOLE   5,500 0 0
EXXON MOBIL CORP COM 30231G102 434 6,225 SH   DFND   6,225 0 0
EXXON MOBIL CORP COM 30231G102 9,532 136,608 SH   SOLE   87,938 48,610 60
FIDELITY COVINGTON TR MSCI COMMNTN SVC 316092873 1,102 30,805 SH   SOLE   27,205 3,350 250
FORD MTR CO DEL COM 345370860 140 15,000 SH   SOLE   15,000 0 0
GENERAL DYNAMICS CORP COM 369550108 369 2,093 SH   SOLE   2,093 0 0
GENERAL DYNAMICS CORP COM 369550108 10 59 SH   DFND   59 0 0
GENERAL ELECTRIC CO COM 369604103 358 32,063 SH   SOLE   32,063 0 0
GENERAL ELECTRIC CO COM 369604103 94 8,450 SH   DFND   8,450 0 0
GENERAL MLS INC COM 370334104 270 5,032 SH   SOLE   4,400 0 632
GENUINE PARTS CO COM 372460105 1,054 9,920 SH   SOLE   9,670 250 0
GILEAD SCIENCES INC COM 375558103 649 9,992 SH   SOLE   9,992 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 582 2,532 SH   SOLE   2,532 0 0
GRAINGER W W INC COM 384802104 280 827 SH   SOLE   827 0 0
HANESBRANDS INC COM 410345102 414 27,830 SH   SOLE   24,975 1,855 1,000
HERSHEY CO COM 427866108 294 2,000 SH   SOLE   2,000 0 0
HOME DEPOT INC COM 437076102 587 2,690 SH   DFND   2,690 0 0
HOME DEPOT INC COM 437076102 4,166 19,074 SH   SOLE   18,734 240 100
HONEYWELL INTL INC COM 438516106 4,469 25,246 SH   SOLE   24,921 125 200
HONEYWELL INTL INC COM 438516106 42 240 SH   DFND   240 0 0
HUNTINGTON BANCSHARES INC COM 446150104 535 35,435 SH   SOLE   31,835 2,100 1,500
ILLINOIS TOOL WKS INC COM 452308109 607 3,380 SH   SOLE   3,380 0 0
ILLINOIS TOOL WKS INC COM 452308109 355 1,975 SH   DFND   1,975 0 0
INTEL CORP COM 458140100 574 9,595 SH   DFND   9,595 0 0
INTEL CORP COM 458140100 5,471 91,414 SH   SOLE   89,624 1,640 150
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 165 1,430 SH   DFND   1,430 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 1,053 9,100 SH   SOLE   9,100 0 0
INVESCO EXCHANGE TRADED FD T WATER RES ETF 46137V142 435 11,250 SH   SOLE   11,250 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 161 755 SH   DFND   755 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 4,445 20,907 SH   SOLE   20,457 350 100
ISHARES TR 1 3 YR TREAS BD 464287457 469 5,540 SH   SOLE   5,540 0 0
ISHARES TR CORE S&P MCP ETF 464287507 771 3,746 SH   SOLE   3,746 0 0
ISHARES TR CORE S&P SCP ETF 464287804 488 5,815 SH   DFND   5,815 0 0
ISHARES TR CORE S&P SCP ETF 464287804 1,679 20,024 SH   SOLE   20,024 0 0
ISHARES TR CORE S&P500 ETF 464287200 362 1,119 SH   SOLE   1,119 0 0
ISHARES TR CORE S&P500 ETF 464287200 221 685 SH   DFND   685 0 0
ISHARES TR CORE US AGGBD ET 464287226 5,018 44,661 SH   SOLE   43,481 880 300
ISHARES TR IBOXX INV CP ETF 464287242 20,429 159,650 SH   SOLE   152,574 5,361 1,715
ISHARES TR INTL SEL DIV ETF 464288448 1,620 48,262 SH   SOLE   47,462 500 300
ISHARES TR MSCI EAFE ETF 464287465 918 13,214 SH   SOLE   12,714 0 500
ISHARES TR MSCI EMG MKT ETF 464287234 71 1,575 SH   DFND   1,575 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 706 15,753 SH   SOLE   12,578 3,175 0
ISHARES TR MSCI MIN VOL ETF 46429B697 5,963 90,905 SH   SOLE   90,905 0 0
ISHARES TR MSCI MIN VOL ETF 46429B697 36 551 SH   DFND   345 206 0
ISHARES TR MSCI USA ESG SLC 464288802 229 1,710 SH   SOLE   1,710 0 0
ISHARES TR MSCI USA ESG SLC 464288802 107 800 SH   DFND   800 0 0
ISHARES TR NASDAQ BIOTECH 464287556 693 5,750 SH   SOLE   5,750 0 0
ISHARES TR PFD AND INCM SEC 464288687 364 9,680 SH   SOLE   8,660 1,020 0
ISHARES TR RUS 1000 GRW ETF 464287614 3,703 21,050 SH   SOLE   19,810 0 1,240
ISHARES TR RUS 2000 GRW ETF 464287648 6,497 30,328 SH   SOLE   29,358 160 810
ISHARES TR RUSSELL 2000 ETF 464287655 1,153 6,961 SH   SOLE   6,961 0 0
ISHARES TR S&P MC 400GR ETF 464287606 6,877 28,882 SH   SOLE   26,847 685 1,350
ISHARES TR S&P MC 400GR ETF 464287606 71 300 SH   DFND   300 0 0
ISHARES TR S&P MC 400VL ETF 464287705 279 1,634 SH   SOLE   1,634 0 0
ISHARES TR SELECT DIVID ETF 464287168 4,826 45,670 SH   SOLE   44,105 1,565 0
ISHARES TR TIPS BD ETF 464287176 1,756 15,070 SH   SOLE   14,870 0 200
ISHARES TR U.S. TECH ETF 464287721 5,232 22,493 SH   SOLE   18,713 1,305 2,475
JOHNSON & JOHNSON COM 478160104 525 3,596 SH   DFND   3,596 0 0
JOHNSON & JOHNSON COM 478160104 12,283 84,212 SH   SOLE   81,332 2,730 150
JPMORGAN CHASE & CO COM 46625H100 42 300 SH   DFND   300 0 0
JPMORGAN CHASE & CO COM 46625H100 4,866 34,909 SH   SOLE   34,409 375 125
KIMBERLY CLARK CORP COM 494368103 437 3,175 SH   SOLE   3,175 0 0
KIMBERLY CLARK CORP COM 494368103 544 3,955 SH   DFND   3,955 0 0
LAUDER ESTEE COS INC CL A 518439104 4 20 SH   DFND   20 0 0
LAUDER ESTEE COS INC CL A 518439104 356 1,722 SH   SOLE   1,722 0 0
LILLY ELI & CO COM 532457108 34 255 SH   DFND   255 0 0
LILLY ELI & CO COM 532457108 573 4,357 SH   SOLE   4,357 0 0
LOCKHEED MARTIN CORP COM 539830109 210 539 SH   SOLE   539 0 0
LOWES COS INC COM 548661107 666 5,561 SH   SOLE   5,561 0 0
LOWES COS INC COM 548661107 86 720 SH   DFND   720 0 0
MARSH & MCLENNAN COS INC COM 571748102 101 905 SH   DFND   905 0 0
MARSH & MCLENNAN COS INC COM 571748102 744 6,678 SH   SOLE   6,678 0 0
MASTERCARD INC CL A 57636Q104 16 55 SH   DFND   55 0 0
MASTERCARD INC CL A 57636Q104 840 2,812 SH   SOLE   2,812 0 0
MCDONALDS CORP COM 580135101 8,962 45,348 SH   SOLE   44,823 125 400
MCKESSON CORP COM 58155Q103 470 3,399 SH   SOLE   3,399 0 0
MEDTRONIC PLC SHS G5960L103 1,248 11,000 SH   SOLE   11,000 0 0
MERCK & CO INC COM 58933Y105 2,951 32,444 SH   SOLE   29,070 2,374 1,000
MICROSOFT CORP COM 594918104 84 535 SH   DFND   535 0 0
MICROSOFT CORP COM 594918104 16,759 106,267 SH   SOLE   102,487 3,170 610
NEXTERA ENERGY INC COM 65339F101 220 910 SH   DFND   910 0 0
NEXTERA ENERGY INC COM 65339F101 232 958 SH   SOLE   958 0 0
NIKE INC CL B 654106103 544 5,365 SH   DFND   5,365 0 0
NIKE INC CL B 654106103 425 4,195 SH   SOLE   4,195 0 0
NORTHROP GRUMMAN CORP COM 666807102 1,153 3,353 SH   SOLE   3,353 0 0
NUVEEN CA QUALTY MUN INCOME COM 67066Y105 284 19,056 SH   SOLE   19,056 0 0
OCCIDENTAL PETE CORP COM 674599105 216 5,246 SH   SOLE   5,246 0 0
ORACLE CORP COM 68389X105 4 70 SH   DFND   70 0 0
ORACLE CORP COM 68389X105 6,129 115,673 SH   SOLE   113,908 1,765 0
PAYCHEX INC COM 704326107 2,050 24,100 SH   SOLE   24,100 0 0
PAYPAL HLDGS INC COM 70450Y103 3 30 SH   DFND   30 0 0
PAYPAL HLDGS INC COM 70450Y103 293 2,708 SH   SOLE   2,708 0 0
PEPSICO INC COM 713448108 4,464 32,666 SH   SOLE   31,491 875 300
PEPSICO INC COM 713448108 127 930 SH   DFND   930 0 0
PFIZER INC COM 717081103 143 3,640 SH   DFND   3,640 0 0
PFIZER INC COM 717081103 7,985 203,810 SH   SOLE   201,485 275 2,050
PHILIP MORRIS INTL INC COM 718172109 3,916 46,024 SH   SOLE   43,914 2,110 0
PIMCO CA MUNICIPAL INCOME FD COM 72200N106 1,131 56,950 SH   SOLE   54,950 0 2,000
PIMCO ETF TR ACTIVE BD ETF 72201R775 3,721 34,518 SH   SOLE   31,283 2,735 500
PIMCO HIGH INCOME FD COM SHS 722014107 81 10,800 SH   SOLE   10,800 0 0
PROCTER & GAMBLE CO COM 742718109 709 5,675 SH   DFND   5,675 0 0
PROCTER & GAMBLE CO COM 742718109 6,056 48,494 SH   SOLE   46,894 1,050 550
PUBLIC STORAGE COM 74460D109 315 1,478 SH   SOLE   1,478 0 0
RAYTHEON CO COM NEW 755111507 552 2,511 SH   SOLE   2,511 0 0
READY CAP CORP COM 75574U101 209 13,547 SH   SOLE   13,547 0 0
REPUBLIC SVCS INC COM 760759100 2,946 32,860 SH   SOLE   32,510 0 350
ROSS STORES INC COM 778296103 5,116 43,945 SH   SOLE   43,340 300 305
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 225 3,808 SH   SOLE   3,808 0 0
SCHLUMBERGER LTD COM 806857108 507 12,605 SH   SOLE   12,105 500 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 17 275 SH   DFND   275 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 998 16,628 SH   SOLE   14,450 878 1,300
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 655 16,937 SH   SOLE   15,149 912 876
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 2,047 16,319 SH   SOLE   13,786 928 1,605
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 1,716 27,248 SH   SOLE   23,468 1,530 2,250
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 3,562 34,966 SH   SOLE   30,393 1,923 2,650
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 41 1,325 SH   DFND   1,325 0 0
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 5,647 183,468 SH   SOLE   170,054 5,214 8,200
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 5,348 65,634 SH   SOLE   62,085 1,549 2,000
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 2,490 38,534 SH   SOLE   35,070 2,814 650
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 1,693 27,555 SH   SOLE   25,986 569 1,000
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 3,501 38,180 SH   SOLE   37,955 0 225
SEMPRA ENERGY COM 816851109 1,587 10,485 SH   SOLE   10,485 0 0
SHERWIN WILLIAMS CO COM 824348106 210 360 SH   SOLE   360 0 0
SNAP ON INC COM 833034101 217 1,280 SH   SOLE   1,280 0 0
SOUTHERN CO COM 842587107 2,292 35,987 SH   SOLE   32,187 2,400 1,400
SPDR DOW JONES INDL AVRG ETF UT SER 1 78467X109 8,954 31,404 SH   SOLE   30,744 555 105
SPDR GOLD TRUST GOLD SHS 78463V107 1,457 10,200 SH   SOLE   10,155 30 15
SPDR S&P 500 ETF TR TR UNIT 78462F103 35,199 109,361 SH   SOLE   106,911 1,950 500
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 10,614 28,276 SH   SOLE   27,429 482 365
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 542 1,445 SH   DFND   1,445 0 0
SPDR SERIES TRUST PORTFOLIO SH TSR 78468R101 1,146 38,247 SH   SOLE   34,977 3,270 0
SPDR SERIES TRUST S&P DIVID ETF 78464A763 3,899 36,247 SH   SOLE   35,897 350 0
SPDR SERIES TRUST S&P DIVID ETF 78464A763 78 725 SH   DFND   725 0 0
SPDR SERIES TRUST WELLS FG PFD ETF 78464A292 4,754 108,025 SH   SOLE   106,670 630 725
STARBUCKS CORP COM 855244109 526 5,980 SH   DFND   5,980 0 0
STARBUCKS CORP COM 855244109 796 9,054 SH   SOLE   9,054 0 0
STRYKER CORP COM 863667101 96 455 SH   DFND   455 0 0
STRYKER CORP COM 863667101 245 1,165 SH   SOLE   1,165 0 0
SYSCO CORP COM 871829107 204 2,380 SH   SOLE   2,380 0 0
TARGET CORP COM 87612E106 378 2,945 SH   DFND   2,945 0 0
TEXAS INSTRS INC COM 882508104 610 4,756 SH   SOLE   4,756 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 2 5 SH   DFND   5 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 364 1,120 SH   SOLE   1,120 0 0
TJX COS INC NEW COM 872540109 4 70 SH   DFND   70 0 0
TJX COS INC NEW COM 872540109 394 6,455 SH   SOLE   6,455 0 0
TORONTO DOMINION BK ONT COM NEW 891160509 252 4,490 SH   DFND   4,490 0 0
TRAVELERS COMPANIES INC COM 89417E109 305 2,230 SH   SOLE   230 2,000 0
TRAVELERS COMPANIES INC COM 89417E109 128 935 SH   DFND   935 0 0
UBS AG LONDON BRH ETRACS MTH2XRE 90269A302 428 30,000 SH   SOLE   30,000 0 0
ULTA BEAUTY INC COM 90384S303 320 1,263 SH   SOLE   1,263 0 0
ULTA BEAUTY INC COM 90384S303 3 12 SH   DFND   12 0 0
UNION PACIFIC CORP COM 907818108 1,678 9,284 SH   SOLE   9,284 0 0
UNITED PARCEL SERVICE INC CL B 911312106 1,341 11,456 SH   SOLE   11,456 0 0
UNITED STATES STL CORP NEW COM 912909108 172 15,070 SH   SOLE   15,070 0 0
UNITED TECHNOLOGIES CORP COM 913017109 24 160 SH   DFND   160 0 0
UNITED TECHNOLOGIES CORP COM 913017109 6,220 41,533 SH   SOLE   39,568 1,830 135
UNITEDHEALTH GROUP INC COM 91324P102 41 140 SH   DFND   140 0 0
UNITEDHEALTH GROUP INC COM 91324P102 1,872 6,371 SH   SOLE   6,346 0 25
US BANCORP DEL COM NEW 902973304 335 5,641 SH   SOLE   5,641 0 0
VANECK VECTORS ETF TRUST AGRIBUSINESS ETF 92189F700 513 7,463 SH   SOLE   5,163 2,300 0
VANGUARD INDEX FDS GROWTH ETF 922908736 11,587 63,610 SH   SOLE   61,740 590 1,280
VANGUARD INDEX FDS TOTAL STK MKT 922908769 692 4,230 SH   SOLE   4,230 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,410 54,195 SH   SOLE   52,152 1,118 925
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 1,588 27,102 SH   SOLE   26,597 505 0
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 3,197 34,117 SH   SOLE   33,817 300 0
VERIZON COMMUNICATIONS INC COM 92343V104 3,973 64,694 SH   SOLE   60,321 4,373 0
VISA INC COM CL A 92826C839 98 520 SH   DFND   520 0 0
VISA INC COM CL A 92826C839 7,225 38,451 SH   SOLE   36,461 1,990 0
WALMART INC COM 931142103 677 5,700 SH   DFND   5,700 0 0
WALMART INC COM 931142103 2,830 23,806 SH   SOLE   23,696 110 0
WASTE MGMT INC DEL COM 94106L109 1,799 15,784 SH   SOLE   15,084 500 200
WELLS FARGO CO NEW COM 949746101 155 2,875 SH   DFND   2,875 0 0
WELLS FARGO CO NEW COM 949746101 775 14,415 SH   SOLE   14,415 0 0
YUM BRANDS INC COM 988498101 2,189 21,740 SH   SOLE   21,740 0 0
ZIMMER BIOMET HLDGS INC COM 98956P102 206 1,375 SH   SOLE   1,075 300 0