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 205 1,246 SH   DFND   0 0 1,246
3M CO COM 88579Y101 1,478 8,988 SH   SOLE   0 0 8,988
ABBOTT LABORATORIES COM 002824100 2,175 25,999 SH   SOLE   0 0 25,999
ABBOTT LABORATORIES COM 002824100 83 990 SH   DFND   0 0 990
ABBVIE INC COM 00287Y109 318 4,202 SH   DFND   0 0 4,202
ABBVIE INC COM 00287Y109 102 1,350 SH   SOLE   0 0 1,350
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 503 2,613 SH   DFND   0 0 2,613
AFLAC INC COM 001055102 250 4,775 SH   DFND   0 0 4,775
AIR PRODS & CHEMS INC COM 009158106 438 1,975 SH   DFND   0 0 1,975
AMAZON COM INC COM 023135106 1,269 731 SH   DFND   0 0 731
AMERICAN EXPRESS CO COM 025816109 394 3,327 SH   DFND   0 0 3,327
AMERICAN EXPRESS CO COM 025816109 1,818 15,372 SH   SOLE   0 0 15,372
AMGEN INC COM 031162100 341 1,760 SH   DFND   0 0 1,760
AMGEN INC COM 031162100 145 750 SH   SOLE   0 0 750
APPLE INC COM 037833100 1,699 7,585 SH   DFND   0 0 7,585
APPLE INC COM 037833100 1,864 8,323 SH   SOLE   0 0 8,323
AT&T INC COM 00206R102 436 11,523 SH   DFND   0 0 11,523
AT&T INC COM 00206R102 1,903 50,286 SH   SOLE   0 0 50,286
AUTODESK INC COM 052769106 385 2,608 SH   DFND   0 0 2,608
AUTOMATIC DATA PROCESSING INC COM 053015103 85 528 SH   DFND   0 0 528
AUTOMATIC DATA PROCESSNG INC COM 053015103 113 700 SH   SOLE   0 0 700
BAXTER INTL INC COM 071813109 437 4,997 SH   DFND   0 0 4,997
BECTON DICKINSON AND CO COM 075887109 447 1,768 SH   DFND   0 0 1,768
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 533 2,564 SH   DFND   0 0 2,564
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 104 500 SH   SOLE   0 0 500
BOEING CO COM 097023105 333 875 SH   DFND   0 0 875
BRISTOL MYERS SQUIBB CO COM 110122108 472 9,306 SH   DFND   0 0 9,306
CATERPILLAR INC DEL COM 149123101 59 471 SH   DFND   0 0 471
CATERPILLAR INC DEL COM 149123101 1,628 12,885 SH   SOLE   0 0 12,885
CHEVRON CORP NEW COM 166764100 339 2,858 SH   DFND   0 0 2,858
CHEVRON CORP NEW COM 166764100 237 2,000 SH   SOLE   0 0 2,000
COCA COLA CO COM 191216100 100 1,844 SH   DFND   0 0 1,844
COCA COLA CO COM 191216100 2,264 41,590 SH   SOLE   0 0 41,590
COLGATE PALMOLIVE CO COM 194162103 288 3,913 SH   DFND   0 0 3,913
COLGATE PALMOLIVE CO COM 194162103 1,722 23,431 SH   SOLE   0 0 23,431
CVS HEALTH CORP COM 126650100 229 3,631 SH   DFND   0 0 3,631
DEERE & CO COM 244199105 95 561 SH   DFND   0 0 561
DEERE & CO COM 244199105 2,053 12,170 SH   SOLE   0 0 12,170
DIAMONDBACK ENERGY INC COM 25278X109 264 2,938 SH   DFND   0 0 2,938
DISNEY WALT CO COM DISNEY 254687106 446 3,424 SH   DFND   0 0 3,424
DISNEY WALT CO COM DISNEY 254687106 1,487 11,407 SH   SOLE   0 0 11,407
DUPONT DE NEMOURS INC COM 26614N102 73 1,021 SH   DFND   0 0 1,021
DUPONT DE NEMOURS INC COM 26614N102 949 13,311 SH   SOLE   0 0 13,311
EMERSON ELECTRIC CO COM 291011104 216 3,234 SH   DFND   0 0 3,234
EMERSON ELECTRIC CO COM 291011104 1,523 22,783 SH   SOLE   0 0 22,783
EXXON MOBIL CORP COM 30231G102 481 6,816 SH   DFND   0 0 6,816
EXXON MOBIL CORP COM 30231G102 2,007 28,427 SH   SOLE   0 0 28,427
GILEAD SCIENCES INC COM 375558103 545 8,606 SH   DFND   0 0 8,606
HOME DEPOT INC COM 437076102 51 219 SH   DFND   0 0 219
HOME DEPOT INC COM 437076102 812 3,500 SH   SOLE   0 0 3,500
INTERCONTINENTAL EXCHANGE INC COM 45866F104 299 3,243 SH   DFND   0 0 3,243
INTERNATIONAL BUSINESS MACHS COM 459200101 56 382 SH   DFND   0 0 382
INTERNATIONAL BUSINESS MACHS COM 459200101 1,740 11,962 SH   SOLE   0 0 11,962
INVESCO QQQ TR UNIT SER 1 46090E103 1,548 8,200 SH   SOLE   0 0 8,200
INVESCO QQQ TR UNIT SER 1 46090E103 20 106 SH   DFND   0 0 106
ISHARES INC CORE MSCI EMKT 46434G103 1,181 24,094 SH   DFND   0 0 24,094
ISHARES TR CORE MSCI EAFE 46432F842 5,778 94,612 SH   DFND   0 0 45,462
ISHARES TR USA MOMENTUM FCT 46432F396 679 5,695 SH   DFND   0 0 5,695
ISHARES TR EAFE GRWTH ETF 464288885 206 2,555 SH   DFND   0 0 2,555
ISHARES TR EAFE VALUE ETF 464288877 242 5,110 SH   DFND   0 0 5,110
ISHARES TR MSCI MIN VOL ETF 46429B697 4,154 64,802 SH   DFND   0 0 64,802
ISHARES TR RUS 1000 GRW ETF 464287614 3,932 24,633 SH   DFND   0 0 24,633
ISHARES TR RUS 1000 VAL ETF 464287598 4,651 36,265 SH   DFND   0 0 36,265
ISHARES TR RUS 2000 GRW ETF 464287648 417 2,165 SH   DFND   0 0 2,165
ISHARES TR RUS 2000 VAL ETF 464287630 1,113 9,322 SH   DFND   0 0 9,322
ISHARES TR CORE S&P SCP ETF 464287804 210 2,700 SH   DFND   0 0 2,700
ISHARES TR TRS FLT RT BD 46434V860 3,726 74,113 SH   DFND   0 0 74,113
JOHNSON & JOHNSON COM 478160104 648 5,009 SH   DFND   0 0 5,009
JOHNSON & JOHNSON COM 478160104 1,893 14,633 SH   SOLE   0 0 14,633
JPMORGAN CHASE & CO COM 46625H100 865 7,350 SH   SOLE   0 0 7,350
KIMBERLY CLARK CORP COM 494368103 857 6,030 SH   DFND   0 0 6,030
LILLY ELI & CO COM 532457108 224 2,000 SH   SOLE   0 0 2,000
MASTERCARD INC CL A 57636Q104 410 1,509 SH   DFND   0 0 1,509
MCDONALDS CORP COM 580135101 687 3,201 SH   DFND   0 0 3,201
MCDONALDS CORP COM 580135101 1,859 8,660 SH   SOLE   0 0 8,660
MEDTRONIC PLC SHS G5960L103 116 1,072 SH   DFND   0 0 1,072
MEDTRONIC PLC SHS G5960L103 1,863 17,151 SH   SOLE   0 0 17,151
MERCK & CO INC COM 58933Y105 329 3,908 SH   DFND   0 0 3,908
MERCK & CO. INC. COM 58933Y105 1,762 20,928 SH   SOLE   0 0 20,928
MICROSOFT CORP COM 594918104 868 6,241 SH   DFND   0 0 6,241
MICROSOFT CORP COM 594918104 2,573 18,510 SH   SOLE   0 0 18,510
NIKE INC CL B 654106103 440 4,688 SH   DFND   0 0 4,688
NORTHERN TR CORP COM 665859104 468 5,017 SH   DFND   0 0 5,017
ORACLE CORP COM 68389X105 379 6,896 SH   DFND   0 0 6,896
PARKER HANNIFIN CORP COM 701094104 203 1,122 SH   DFND   0 0 1,122
PAYCHEX INC COM 704326107 570 6,890 SH   DFND   0 0 6,890
PAYPAL HLDGS INC COM 70450Y103 365 3,527 SH   DFND   0 0 3,527
PEPSICO INC COM 713448108 405 2,957 SH   DFND   0 0 2,957
PEPSICO INC COM 713448108 343 2,500 SH   SOLE   0 0 2,500
PROCTER & GAMBLE CO COM 742718109 727 5,843 SH   DFND   0 0 5,843
PROCTER & GAMBLE CO COM 742718109 2,533 20,366 SH   SOLE   0 0 20,366
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 167 2,844 SH   DFND   0 0 2,844
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 1,457 24,761 SH   SOLE   0 0 24,761
SCHLUMBERGER LTD COM 806857108 1,034 30,254 SH   SOLE   0 0 30,254
SCHLUMBERGER LTD COM 806857108 58 1,693 SH   DFND   0 0 1,693
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 6 200 SH   DFND   0 0 200
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 280 10,000 SH   SOLE   0 0 10,000
SPDR DOW JONES INDL AVRG ETF UT SER 1 78467X109 538 2,000 SH   SOLE   0 0 2,000
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,517 8,483 SH   SOLE   0 0 8,483
SPDR S&P 500 ETF TR TR UNIT 78462F103 37 126 SH   DFND   0 0 126
SPDR SERIES TRUST S&P DIVID ETF 78464A763 1,853 18,061 SH   DFND   0 0 18,061
STRYKER CORP COM 863667101 155 715 SH   DFND   0 0 715
STRYKER CORP COM 863667101 108 500 SH   SOLE   0 0 500
TELEFLEX INC COM 879369106 3,398 10,000 SH   DFND   0 0 10,000
TRAVELERS COMPANIES INC COM 89417E109 640 4,306 SH   DFND   0 0 4,306
UNILEVER PLC SPON ADR NEW 904767704 1,360 22,631 SH   SOLE   0 0 22,631
UNION PAC CORP COM 907818108 356 2,198 SH   DFND   0 0 2,198
UNION PAC CORP COM 907818108 2,117 13,070 SH   SOLE   0 0 13,070
UNITED TECHNOLOGIES CORP COM 913017109 171 1,251 SH   DFND   0 0 1,251
UNITED TECHNOLOGIES CORP COM 913017109 1,565 11,460 SH   SOLE   0 0 11,460
UNITEDHEALTH GROUP INC COM 91324P102 313 1,439 SH   DFND   0 0 1,439
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 8,366 99,088 SH   DFND   0 0 99,088
VANGUARD GROUP DIV APP ETF 921908844 8,408 70,313 SH   DFND   0 0 70,313
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 319 1,170 SH   DFND   0 0 1,170
VANGUARD INDEX FDS TOTAL STK MKT 922908769 4,429 29,331 SH   DFND   0 0 29,331
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 278 2,730 SH   DFND   0 0 2,730
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 270 5,035 SH   DFND   0 0 5,035
VANGUARD MUN BD FD INC TAX EXEMPT BD 922907746 225 4,190 SH   DFND   0 0 4,190
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 604 14,700 SH   DFND   0 0 14,700
VERIZON COMMUNICATIONS INC COM 92343V104 35 581 SH   DFND   0 0 581
VERIZON COMMUNICATIONS INC COM 92343V104 181 3,000 SH   SOLE   0 0 3,000
VISA INC COM CL A 92826C839 224 1,304 SH   DFND   0 0 1,304
WELLS FARGO & CO NEW COM 949746101 97 1,926 SH   DFND   0 0 1,926
WELLS FARGO & CO NEW COM 949746101 202 4,000 SH   SOLE   0 0 4,000
WESTERN ASSET INVT GRADE DEF COM 95790A101 206 9,615 SH   DFND   0 0 9,615