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 221 1,263 SH   DFND   0 0 1,263
3M CO COM 88579Y101 1,829 10,465 SH   SOLE   0 0 10,465
ABBOTT LABORATORIES COM 002824100 93 848 SH   DFND   0 0 848
ABBOTT LABORATORIES COM 002824100 3,496 31,926 SH   SOLE   0 0 31,926
ABBVIE INC COM 00287Y109 330 3,082 SH   DFND   0 0 3,082
ABBVIE INC COM 00287Y109 145 1,350 SH   SOLE   0 0 1,350
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 683 2,613 SH   DFND   0 0 2,613
AFLAC INC COM 001055102 200 4,500 SH   DFND   0 0 4,500
AIR PRODS & CHEMS INC COM 009158106 279 1,020 SH   DFND   0 0 1,020
AMAZON.COM INC COM 023135106 2,179 669 SH   DFND   0 0 669
AMAZON.COM INC COM 023135106 65 20 SH   SOLE   0 0 20
AMERICAN EXPRESS CO COM 025816109 295 2,438 SH   DFND   0 0 2,438
AMERICAN EXPRESS CO COM 025816109 4,107 33,964 SH   SOLE   0 0 33,964
AMGEN INC COM 031162100 405 1,760 SH   DFND   0 0 1,760
AMGEN INC COM 031162100 172 750 SH   SOLE   0 0 750
APPLE INC COM 037833100 3,924 29,571 SH   DFND   0 0 29,571
APPLE INC COM 037833100 5,758 43,392 SH   SOLE   0 0 43,392
AT&T INC COM 00206R102 330 11,474 SH   DFND   0 0 11,474
AT&T INC COM 00206R102 74,567 2,592,738 SH   SOLE   0 0 2,592,738
AUTODESK INC COM 052769106 636 2,083 SH   DFND   0 0 2,083
AUTOMATIC DATA PROCESSING INC COM 053015103 93 528 SH   DFND   0 0 528
AUTOMATIC DATA PROCESSING INC COM 053015103 123 700 SH   SOLE   0 0 700
BAXTER INTERNATIONAL INC COM 071813109 401 4,997 SH   DFND   0 0 4,997
BECTON DICKINSON AND CO COM 075887109 442 1,768 SH   DFND   0 0 1,768
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 595 2,564 SH   DFND   0 0 2,564
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 116 500 SH   SOLE   0 0 500
BOYD GAMING CORP COM 103304101 12,876 300,000 SH   SOLE   0 0 300,000
BRISTOL MYERS SQUIBB CO COM 110122108 366 5,906 SH   DFND   0 0 5,906
BRYN MAWR BK CORP COM 117665109 289 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 324 8,578 SH   SOLE   0 0 8,578
CATERPILLAR INC DEL COM 149123101 69 381 SH   DFND   0 0 381
CATERPILLAR INC DEL COM 149123101 3,120 17,141 SH   SOLE   0 0 17,141
CHEVRON CORP NEW COM 166764100 269 3,188 SH   DFND   0 0 3,188
CHEVRON CORP NEW COM 166764100 211 2,500 SH   SOLE   0 0 2,500
CITRIX SYS INC COM 177376100 302 2,323 SH   DFND   0 0 2,323
CLEVELAND CLIFFS INC COM 185899101 1,478 101,500 SH   SOLE   0 0 101,500
CLOROX CO DEL COM 189054109 286 1,415 SH   DFND   0 0 1,415
COCA COLA CO COM 191216100 108 1,973 SH   DFND   0 0 1,973
COCA COLA CO COM 191216100 24,846 453,060 SH   SOLE   0 0 453,060
COLGATE PALMOLIVE CO COM 194162103 63 737 SH   DFND   0 0 737
COLGATE PALMOLIVE CO COM 194162103 2,288 26,758 SH   SOLE   0 0 26,758
COSTCO WHOLESALE CORP COM 22160K105 251 665 SH   DFND   0 0 665
DEERE & CO COM 244199105 130 485 SH   DFND   0 0 485
DEERE & CO COM 244199105 4,254 15,810 SH   SOLE   0 0 15,810
DISNEY WALT CO COM DISNEY 254687106 702 3,872 SH   DFND   0 0 3,872
DISNEY WALT CO COM DISNEY 254687106 2,469 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 90 1,261 SH   DFND   0 0 1,261
DUPONT DE NEMOURS INC COM 26614N102 1,015 14,271 SH   SOLE   0 0 14,271
EMERSON ELECTRIC CO COM 291011104 262 3,265 SH   DFND   0 0 3,265
EMERSON ELECTRIC CO COM 291011104 2,260 28,121 SH   SOLE   0 0 28,121
EXXON MOBIL CORP COM 30231G102 178 4,310 SH   DFND   0 0 4,310
EXXON MOBIL CORP COM 30231G102 1,487 36,080 SH   SOLE   0 0 36,080
FISERV INC COM 337738108 262 2,300 SH   DFND   0 0 2,300
FORD MTR CO DEL COM 345370860 4,430 504,000 SH   SOLE   0 0 504,000
GILEAD SCIENCES INC COM 375558103 501 8,606 SH   DFND   0 0 8,606
HOME DEPOT INC COM 437076102 58 219 SH   DFND   0 0 219
HOME DEPOT INC COM 437076102 903 3,400 SH   SOLE   0 0 3,400
INTERCONTINENTAL EXCHANGE INC COM 45866F104 374 3,243 SH   DFND   0 0 3,243
INTERNATIONAL BUSINESS MACHS COM 459200101 17,430 138,465 SH   SOLE   0 0 138,465
INVESCO QQQ TR UNIT SER 1 46090E103 33 106 SH   DFND   0 0 106
INVESCO QQQ TR UNIT SER 1 46090E103 2,573 8,200 SH   SOLE   0 0 8,200
ISHARES INC CORE MSCI EMKT 46434G103 1,218 19,627 SH   DFND   0 0 19,627
ISHARES TR EAFE GRWTH ETF 464288885 258 2,555 SH   DFND   0 0 2,555
ISHARES TR EAFE VALUE ETF 464288877 241 5,110 SH   DFND   0 0 5,110
ISHARES TR ULTR SH TRM BD 46434V878 2,918 57,764 SH   DFND   0 0 57,764
ISHARES TR CORE MSCI EAFE 46432F842 8,553 123,797 SH   DFND   69,375 0 54,422
ISHARES TR CORE S&P SCP ETF 464287804 248 2,700 SH   DFND   0 0 2,700
ISHARES TR RUS 1000 VAL ETF 464287598 4,423 32,345 SH   DFND   0 0 32,345
ISHARES TR RUS 1000 GRW ETF 464287614 5,968 24,747 SH   DFND   0 0 24,747
ISHARES TR RUSSELL 2000 ETF 464287655 55 280 SH   DFND   0 0 280
ISHARES TR RUSSELL 2000 ETF 464287655 146 746 SH   SOLE   0 0 746
ISHARES TR RUS 2000 VAL ETF 464287630 1,164 8,832 SH   DFND   0 0 8,832
ISHARES TR RUS 2000 GRW ETF 464287648 632 2,205 SH   DFND   0 0 2,205
ISHARES TR MSCI USA MIN VOL 46429B697 3,983 58,683 SH   DFND   0 0 58,683
J P MORGAN EXCHANGE-TRADED F EQUITY PREMIUM 46641Q332 1,107 19,865 SH   DFND   0 0 19,865
JOHNSON & JOHNSON COM 478160104 799 5,075 SH   DFND   0 0 5,075
JOHNSON & JOHNSON COM 478160104 33,845 215,053 SH   SOLE   0 0 215,053
JPMORGAN CHASE & CO COM 46625H100 14,182 111,606 SH   SOLE   0 0 111,606
KIMBERLY CLARK CORP COM 494368103 842 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 338 2,000 SH   SOLE   0 0 2,000
LOCKHEED MARTIN CORP COM 539830109 210 591 SH   DFND   0 0 591
MASTERCARD INC CL A 57636Q104 598 1,674 SH   DFND   0 0 1,674
MCDONALDS CORP COM 580135101 686 3,199 SH   DFND   0 0 3,199
MCDONALDS CORP COM 580135101 2,467 11,495 SH   SOLE   0 0 11,495
MEDTRONIC PLC SHS G5960L103 145 1,236 SH   DFND   0 0 1,236
MEDTRONIC PLC SHS G5960L103 2,305 19,674 SH   SOLE   0 0 19,674
MERCK & CO. INC COM 58933Y105 303 3,710 SH   DFND   0 0 3,710
MERCK & CO. INC COM 58933Y105 1,644 20,094 SH   SOLE   0 0 20,094
MICROSOFT CORP COM 594918104 1,359 6,109 SH   DFND   0 0 6,109
MICROSOFT CORP COM 594918104 6,533 29,373 SH   SOLE   0 0 29,373
NIKE INC CL B 654106103 663 4,688 SH   DFND   0 0 4,688
NORTHERN TR CORP COM 665859104 424 4,550 SH   DFND   0 0 4,550
NOVARTIS AG SPONSORED ADR 66987V109 918 9,720 SH   SOLE   0 0 9,720
ORACLE CORP COM 68389X105 446 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 290 4,288 SH   SOLE   0 0 4,288
PARKER HANNIFIN CORP COM 701094104 306 1,122 SH   DFND   0 0 1,122
PAYCHEX INC COM 704326107 298 3,199 SH   DFND   0 0 3,199
PAYPAL HLDGS INC COM 70450Y103 826 3,527 SH   DFND   0 0 3,527
PEPSICO INC COM 713448108 547 3,687 SH   DFND   0 0 3,687
PEPSICO INC COM 713448108 371 2,500 SH   SOLE   0 0 2,500
PROCTER & GAMBLE CO COM 742718109 808 5,804 SH   DFND   0 0 5,804
PROCTER & GAMBLE CO COM 742718109 3,969 28,523 SH   SOLE   0 0 28,523
RAYTHEON TECHNOLOGIES CORP COM 75513E101 107 1,500 SH   DFND   0 0 1,500
RAYTHEON TECHNOLOGIES CORP COM 75513E101 1,013 14,165 SH   SOLE   0 0 14,165
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 1,295 36,854 SH   SOLE   0 0 36,854
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 21 585 SH   DFND   0 0 585
SCHLUMBERGER LTD COM 806857108 1 68 SH   DFND   0 0 68
SCHLUMBERGER LTD COM 806857108 7,380 338,058 SH   SOLE   0 0 338,058
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 6 200 SH   DFND   0 0 200
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 295 10,000 SH   SOLE   0 0 10,000
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 304 2,335 SH   DFND   0 0 2,335
SPDR DOW JONES INDL AVERAGE US SER 1 78467X109 612 2,000 SH   SOLE   0 0 2,000
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,920 7,811 SH   DFND   0 0 7,811
SPDR S&P 500 ETF TR TR UNIT 78462F103 3,964 10,601 SH   SOLE   0 0 10,601
SPDR SER TR S&P DIVID ETF 78464A763 1,846 17,427 SH   DFND   0 0 17,427
STRYKER CORP COM 863667101 175 715 SH   DFND   0 0 715
STRYKER CORP COM 863667101 123 500 SH   SOLE   0 0 500
TARGET CORP COM 87612E106 148 840 SH   DFND   0 0 840
TARGET CORP COM 87612E106 177 1,000 SH   SOLE   0 0 1,000
TEGNA INC COM 87901J105 6,975 500,000 SH   SOLE   0 0 500,000
TELEFLEX INC COM 879369106 4,116 10,000 SH   DFND   0 0 10,000
TEXAS INSTRUMENTS INC COM 882508104 234 1,427 SH   DFND   0 0 1,427
THERMO FISHER SCIENTIFIC INC COM 883556102 205 440 SH   DFND   0 0 440
TRAVELERS COMPANIES INC COM 89417E109 569 4,056 SH   DFND   0 0 4,056
UNILEVER PLC SPON ADR NEW 904767704 56 922 SH   DFND   0 0 922
UNILEVER PLC SPON ADR NEW 904767704 1,708 28,289 SH   SOLE   0 0 28,289
UNION PAC CORP COM 907818108 446 2,141 SH   DFND   0 0 2,141
UNION PAC CORP COM 907818108 3,575 17,167 SH   SOLE   0 0 17,167
UNITEDHEALTH GROUP INC COM 91324P102 413 1,179 SH   DFND   0 0 1,179
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 8,939 101,363 SH   DFND   0 0 101,363
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 433 1,260 SH   DFND   0 0 1,260
VANGUARD INDEX FDS TOTAL STK MKT 922908769 5,291 27,186 SH   DFND   0 0 27,186
VANGUARD INDEX FDS VALUE ETF 922908744 472 3,965 SH   DFND   0 0 3,965
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 303 5,035 SH   DFND   0 0 5,035
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 333 2,730 SH   DFND   0 0 2,730
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 231 4,190 SH   DFND   0 0 4,190
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 8,939 63,320 SH   DFND   0 0 63,320
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 694 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 176 3,000 SH   SOLE   0 0 3,000
VISA INC COM CL A 92826C839 403 1,844 SH   DFND   0 0 1,844
WASHINGTON TR BANCORP COM 940610108 5,202 116,123 SH   SOLE   0 0 116,123
WESTERN ASSET INVT GRADE DEF COM 95790A101 215 9,615 SH   DFND   0 0 9,615