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 202 1,263 SH   DFND   0 0 1,263
3M CO COM 88579Y101 1,676 10,465 SH   SOLE   0 0 10,465
ABBOTT LABORATORIES COM 002824100 92 848 SH   DFND   0 0 848
ABBOTT LABORATORIES COM 002824100 3,475 31,926 SH   SOLE   0 0 31,926
ABBVIE INC COM 00287Y109 270 3,082 SH   DFND   0 0 3,082
ABBVIE INC COM 00287Y109 118 1,350 SH   SOLE   0 0 1,350
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 591 2,613 SH   DFND   0 0 2,613
AIR PRODS & CHEMS INC COM 009158106 304 1,020 SH   DFND   0 0 1,020
AMAZON.COM INC COM 023135106 2,270 721 SH   DFND   0 0 721
AMAZON.COM INC COM 023135106 63 20 SH   SOLE   0 0 20
AMERICAN EXPRESS CO COM 025816109 244 2,438 SH   DFND   0 0 2,438
AMERICAN EXPRESS CO COM 025816109 3,405 33,964 SH   SOLE   0 0 33,964
AMGEN INC COM 031162100 447 1,760 SH   DFND   0 0 1,760
AMGEN INC COM 031162100 191 750 SH   SOLE   0 0 750
APPLE INC COM 037833100 3,425 29,571 SH   DFND   0 0 29,571
APPLE INC COM 037833100 5,025 43,392 SH   SOLE   0 0 43,392
AT&T INC COM 00206R102 384 13,471 SH   DFND   0 0 13,471
AT&T INC COM 00206R102 35,647 1,250,320 SH   SOLE   0 0 1,250,320
AUTODESK INC COM 052769106 481 2,083 SH   DFND   0 0 2,083
BAXTER INTL INC COM 071813109 402 4,997 SH   DFND   0 0 4,997
BECTON DICKINSON & CO COM 075887109 411 1,768 SH   DFND   0 0 1,768
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 546 2,564 SH   DFND   0 0 2,564
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 106 500 SH   SOLE   0 0 500
BOYD GAMING CORP COM 103304101 9,207 300,000 SH   SOLE   0 0 300,000
BRISTOL-MYERS SQUIBB CO COM 110122108 356 5,906 SH   DFND   0 0 5,906
BRYN MAWR BK CORP COM 117665109 235 9,453 SH   SOLE   0 0 9,453
CARRIER GLOBAL CORPORATION COM 14448C104 0 3 SH   DFND   0 0 3
CARRIER GLOBAL CORPORATION COM 14448C104 262 8,578 SH   SOLE   0 0 8,578
CATERPILLAR INC DEL COM 149123101 61 411 SH   DFND   0 0 411
CATERPILLAR INC DEL COM 149123101 2,557 17,141 SH   SOLE   0 0 17,141
CHEVRON CORP NEW COM 166764100 230 3,188 SH   DFND   0 0 3,188
CHEVRON CORP NEW COM 166764100 180 2,500 SH   SOLE   0 0 2,500
CLEVELAND CLIFFS INC COM 185899101 5,146 801,500 SH   SOLE   0 0 801,500
CLOROX CO DEL COM 189054109 297 1,415 SH   DFND   0 0 1,415
COCA COLA CO COM 191216100 97 1,973 SH   DFND   0 0 1,973
COCA COLA CO COM 191216100 22,368 453,060 SH   SOLE   0 0 453,060
COLGATE PALMOLIVE CO COM 194162103 57 737 SH   DFND   0 0 737
COLGATE PALMOLIVE CO COM 194162103 2,064 26,758 SH   SOLE   0 0 26,758
COSTCO WHOLESALE CORP COM 22160K105 236 665 SH   DFND   0 0 665
DEERE & CO COM 244199105 107 485 SH   DFND   0 0 485
DEERE & CO COM 244199105 3,504 15,810 SH   SOLE   0 0 15,810
DISNEY WALT CO COM DISNEY 254687106 480 3,872 SH   DFND   0 0 3,872
DISNEY WALT CO COM DISNEY 254687106 1,691 13,630 SH   SOLE   0 0 13,630
DOLLAR GEN CORP NEW COM 256677105 212 1,010 SH   DFND   0 0 1,010
DUPONT DE NEMOURS INC COM 26614N102 70 1,261 SH   DFND   0 0 1,261
DUPONT DE NEMOURS INC COM 26614N102 792 14,271 SH   SOLE   0 0 14,271
EMERSON ELECTRIC CO COM 291011104 214 3,265 SH   DFND   0 0 3,265
EMERSON ELECTRIC CO COM 291011104 1,844 28,121 SH   SOLE   0 0 28,121
EXXON MOBIL CORP COM 30231G102 205 5,961 SH   DFND   0 0 5,961
EXXON MOBIL CORP COM 30231G102 1,087 31,655 SH   SOLE   0 0 31,655
FISERV INC COM 337738108 254 2,460 SH   DFND   0 0 2,460
FORD MTR CO DEL COM 345370860 3,357 504,000 SH   SOLE   0 0 504,000
GILEAD SCIENCES INC COM 375558103 544 8,606 SH   DFND   0 0 8,606
HOME DEPOT INC COM 437076102 61 219 SH   DFND   0 0 219
HOME DEPOT INC COM 437076102 972 3,500 SH   SOLE   0 0 3,500
INTERCONTINENTAL EXCHANGE Inc COM 45866F104 324 3,243 SH   DFND   0 0 3,243
INTERNATIONAL BUSINESS MACHS COM 459200101 57 466 SH   DFND   0 0 466
INTERNATIONAL BUSINESS MACHS COM 459200101 15,879 130,509 SH   SOLE   0 0 130,509
INVESCO QQQ TR UNIT SER 1 46090E103 29 106 SH   DFND   0 0 106
INVESCO QQQ TR UNIT SER 1 46090E103 2,278 8,200 SH   SOLE   0 0 8,200
ISHARES INC CORE MSCI EMKT 46434G103 1,036 19,627 SH   DFND   0 0 19,627
ISHARES TR EAFE GRWTH ETF 464288885 230 2,555 SH   DFND   0 0 2,555
ISHARES TR EAFE VALUE ETF 464288877 206 5,110 SH   DFND   0 0 5,110
ISHARES TR ULTR SH TRM BD 46434V878 3,501 69,234 SH   DFND   0 0 69,234
ISHARES TR CORE MSCI EAFE 46432F842 7,464 123,825 SH   DFND   69,375 0 54,450
ISHARES TR RUS 1000 VAL ETF 464287598 4,598 38,924 SH   DFND   0 0 38,924
ISHARES TR RUS 1000 GRW ETF 464287614 5,874 27,082 SH   DFND   0 0 27,082
ISHARES TR RUS 2000 VAL ETF 464287630 933 9,392 SH   DFND   0 0 9,392
ISHARES TR RUS 2000 GRW ETF 464287648 488 2,205 SH   DFND   0 0 2,205
ISHARES TR MSCI MIN VOL ETF 46429B697 4,054 63,606 SH   DFND   0 0 63,606
J P MORGAN EXCHANGE-TRADED F EQUITY PREMIUM 46641Q332 1,206 22,605 SH   DFND   0 0 22,605
JOHNSON & JOHNSON COM 478160104 756 5,075 SH   DFND   0 0 5,075
JOHNSON & JOHNSON COM 478160104 17,129 115,053 SH   SOLE   0 0 115,053
JPMORGAN CHASE & CO COM 46625H100 10,744 111,606 SH   SOLE   0 0 111,606
KIMBERLY CLARK CORP COM 494368103 922 6,245 SH   DFND   0 0 6,245
LILLY ELI & CO COM 532457108 1 6 SH   DFND   0 0 6
LILLY ELI & CO COM 532457108 296 2,000 SH   SOLE   0 0 2,000
LOCKHEED MARTIN CORP COM 539830109 227 591 SH   DFND   0 0 591
MASTERCARD INC CL A 57636Q104 395 1,169 SH   DFND   0 0 1,169
MCDONALDS CORP COM 580135101 702 3,199 SH   DFND   0 0 3,199
MCDONALDS CORP COM 580135101 2,523 11,495 SH   SOLE   0 0 11,495
MEDTRONIC PLC SHS G5960L103 138 1,326 SH   DFND   0 0 1,326
MEDTRONIC PLC SHS G5960L103 2,045 19,674 SH   SOLE   0 0 19,674
MERCK & CO. INC COM 58933Y105 308 3,710 SH   DFND   0 0 3,710
MERCK & CO. INC COM 58933Y105 1,667 20,094 SH   SOLE   0 0 20,094
MICROSOFT CORP COM 594918104 1,285 6,109 SH   DFND   0 0 6,109
MICROSOFT CORP COM 594918104 6,178 29,373 SH   SOLE   0 0 29,373
NIKE INC CL B 654106103 589 4,688 SH   DFND   0 0 4,688
NORTHERN TR CORP COM 665859104 355 4,550 SH   DFND   0 0 4,550
NOVARTIS AG SPONSORED ADR 66987V109 845 9,720 SH   SOLE   0 0 9,720
ORACLE CORP COM 68389X105 412 6,896 SH   DFND   0 0 6,896
OTIS WORLDWIDE CORP COM 68902V107 0 1 SH   DFND   0 0 1
OTIS WORLDWIDE CORP COM 68902V107 268 4,288 SH   SOLE   0 0 4,288
PARKER HANNIFIN CORP COM 701094104 227 1,122 SH   DFND   0 0 1,122
PAYCHEX INC COM 704326107 255 3,199 SH   DFND   0 0 3,199
PAYPAL HLDGS INC COM 70450Y103 695 3,527 SH   DFND   0 0 3,527
PEPSICO INC COM 713448108 410 2,957 SH   DFND   0 0 2,957
PEPSICO INC COM 713448108 347 2,500 SH   SOLE   0 0 2,500
PROCTER & GAMBLE CO COM 742718109 807 5,804 SH   DFND   0 0 5,804
PROCTER & GAMBLE CO COM 742718109 3,964 28,523 SH   SOLE   0 0 28,523
RAYTHEON TECHNOLOGIES CORP COM 75513E101 86 1,500 SH   DFND   0 0 1,500
RAYTHEON TECHNOLOGIES CORP COM 75513E101 815 14,165 SH   SOLE   0 0 14,165
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 739 29,354 SH   SOLE   0 0 29,354
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 81 3,217 SH   DFND   0 0 3,217
SCHLUMBERGER LTD COM 806857108 58 3,699 SH   DFND   0 0 3,699
SCHLUMBERGER LTD COM 806857108 5,155 331,295 SH   SOLE   0 0 331,295
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 5 200 SH   DFND   0 0 200
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 241 10,000 SH   SOLE   0 0 10,000
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 274 2,345 SH   DFND   0 0 2,345
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 555 2,000 SH   SOLE   0 0 2,000
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,326 3,961 SH   DFND   0 0 3,961
SPDR S&P 500 ETF TR TR UNIT 78462F103 3,550 10,601 SH   SOLE   0 0 10,601
SPDR SER TR S&P DIVID ETF 78464A763 1,654 17,897 SH   DFND   0 0 17,897
STRYKER CORP COM 863667101 149 715 SH   DFND   0 0 715
STRYKER CORP COM 863667101 104 500 SH   SOLE   0 0 500
TARGET CORP COM 87612E106 132 840 SH   DFND   0 0 840
TARGET CORP COM 87612E106 157 1,000 SH   SOLE   0 0 1,000
TEGNA INC COM 87901J105 5,875 500,000 SH   SOLE   0 0 500,000
TELEFLEX INC COM 879369106 3,404 10,000 SH   DFND   0 0 10,000
TEXAS INSTRUMENTS INC COM 882508104 204 1,427 SH   DFND   0 0 1,427
TRAVELERS COMPANIES INC COM 89417E109 439 4,056 SH   DFND   0 0 4,056
UNILEVER PLC SPON ADR NEW 904767704 57 922 SH   DFND   0 0 922
UNILEVER PLC SPON ADR NEW 904767704 1,745 28,289 SH   SOLE   0 0 28,289
UNION PAC CORP COM 907818108 421 2,141 SH   DFND   0 0 2,141
UNION PAC CORP COM 907818108 3,380 17,167 SH   SOLE   0 0 17,167
UNITED STATES STL CORP NEW COM 912909108 3,670 500,000 SH   SOLE   0 0 500,000
UNITEDHEALTH GROUP INC COM 91324P102 368 1,179 SH   DFND   0 0 1,179
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 8,486 96,195 SH   DFND   0 0 96,195
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 360 1,170 SH   DFND   0 0 1,170
VANGUARD INDEX FDS TOTAL STK MKT 922908769 4,632 27,196 SH   DFND   0 0 27,196
VANGUARD INDEX FDS VALUE ETF 922908744 444 4,245 SH   DFND   0 0 4,245
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 264 5,035 SH   DFND   0 0 5,035
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 287 2,730 SH   DFND   0 0 2,730
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 228 4,190 SH   DFND   0 0 4,190
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 8,921 69,338 SH   DFND   0 0 69,338
VANGUARD TAX-MANAGED FDS FTSE DEV MKT ETF 921943858 601 14,700 SH   DFND   0 0 14,700
VERIZON COMMUNICATIONS INC COM 92343V104 71 1,201 SH   DFND   0 0 1,201
VERIZON COMMUNICATIONS INC COM 92343V104 178 3,000 SH   SOLE   0 0 3,000
VISA INC COM CL A 92826C839 369 1,844 SH   DFND   0 0 1,844
WASHINGTON TR BANCORP COM 940610108 3,560 116,123 SH   SOLE   0 0 116,123
WESTERN ASSET INVT GRADE DEF COM 95790A101 199 9,615 SH   DFND   0 0 9,615