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 175 907 SH   DFND   0 0 907
3M CO COM 88579Y101 2,085 10,821 SH   SOLE   0 0 10,821
ABBOTT LABORATORIES COM 002824100 39 325 SH   DFND   0 0 325
ABBOTT LABORATORIES COM 002824100 3,889 32,449 SH   SOLE   0 0 32,449
ABBVIE INC COM 00287Y109 334 3,082 SH   DFND   0 0 3,082
ABBVIE INC COM 00287Y109 146 1,350 SH   SOLE   0 0 1,350
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 721 2,610 SH   DFND   0 0 2,610
AIR PRODS & CHEMS INC COM 009158106 287 1,020 SH   DFND   0 0 1,020
AMAZON.COM INC COM 023135106 2,042 660 SH   DFND   0 0 660
AMAZON.COM INC COM 023135106 62 20 SH   SOLE   0 0 20
AMERICAN EXPRESS CO COM 025816109 264 1,870 SH   DFND   0 0 1,870
AMERICAN EXPRESS CO COM 025816109 4,884 34,530 SH   SOLE   0 0 34,530
AMGEN INC COM 031162100 438 1,760 SH   DFND   0 0 1,760
AMGEN INC COM 031162100 187 750 SH   SOLE   0 0 750
APPLE INC COM 037833100 3,548 29,048 SH   DFND   0 0 29,048
APPLE INC COM 037833100 5,360 43,879 SH   SOLE   0 0 43,879
AT&T INC COM 00206R102 347 11,474 SH   DFND   0 0 11,474
AT&T INC COM 00206R102 78,494 2,593,138 SH   SOLE   0 0 2,593,138
AUTODESK INC COM 052769106 577 2,083 SH   DFND   0 0 2,083
AUTOMATIC DATA PROCESSING INC COM 053015103 99 525 SH   DFND   0 0 525
AUTOMATIC DATA PROCESSNG INC COM 053015103 132 700 SH   SOLE   0 0 700
BAXTER INTERNATIONAL INC COM 071813109 421 4,997 SH   DFND   0 0 4,997
BECTON DICKINSON AND CO COM 075887109 430 1,768 SH   DFND   0 0 1,768
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 654 2,560 SH   DFND   0 0 2,560
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 128 500 SH   SOLE   0 0 500
BOEING CO COM 097023105 223 875 SH   DFND   0 0 875
BOYD GAMING CORP COM 103304101 5,896 100,000 SH   SOLE   0 0 100,000
BRISTOL-MYERS SQUIBB CO COM 110122108 372 5,896 SH   DFND   0 0 5,896
CACI INTL INC CL A 127190304 266 1,080 SH   DFND   0 0 1,080
CARRIER GLOBAL CORPORATION COM 14448C104 362 8,578 SH   SOLE   0 0 8,578
CATERPILLAR INC COM 149123101 4,063 17,522 SH   SOLE   0 0 17,522
CHEVRON CORP NEW COM 166764100 334 3,188 SH   DFND   0 0 3,188
CHEVRON CORP NEW COM 166764100 262 2,500 SH   SOLE   0 0 2,500
CITRIX SYS INC COM 177376100 326 2,323 SH   DFND   0 0 2,323
CLOROX CO DEL COM 189054109 273 1,415 SH   DFND   0 0 1,415
COCA COLA CO COM 191216100 43 810 SH   DFND   0 0 810
COCA COLA CO COM 191216100 23,942 454,215 SH   SOLE   0 0 454,215
COLGATE PALMOLIVE CO COM 194162103 2,167 27,495 SH   SOLE   0 0 27,495
COSTCO WHSL CORP NEW COM 22160K105 234 665 SH   DFND   0 0 665
CVS HEALTH CORP COM 126650100 8 108 SH   DFND   0 0 108
CVS HEALTH CORP COM 126650100 7,523 100,000 SH   SOLE   0 0 100,000
DEERE & CO COM 244199105 86 230 SH   DFND   0 0 230
DEERE & CO COM 244199105 6,011 16,065 SH   SOLE   0 0 16,065
DISNEY WALT CO COM 254687106 629 3,408 SH   DFND   0 0 3,408
DISNEY WALT CO COM 254687106 2,599 14,086 SH   SOLE   0 0 14,086
DOLLAR GEN CORP NEW COM 256677105 205 1,010 SH   DFND   0 0 1,010
DUPONT DE NEMOURS INC COM 26614N102 18 233 SH   DFND   0 0 233
DUPONT DE NEMOURS INC COM 26614N102 1,182 15,294 SH   SOLE   0 0 15,294
EMERSON ELEC CO COM 291011104 217 2,403 SH   DFND   0 0 2,403
EMERSON ELEC CO COM 291011104 2,615 28,983 SH   SOLE   0 0 28,983
EXXON MOBIL CORP COM 30231G102 241 4,310 SH   DFND   0 0 4,310
EXXON MOBIL CORP COM 30231G102 2,070 37,080 SH   SOLE   0 0 37,080
FISERV INC COM 337738108 273 2,296 SH   DFND   0 0 2,296
FORD MTR CO DEL COM 345370860 6,174 504,000 SH   SOLE   0 0 504,000
GILEAD SCIENCES INC COM 375558103 556 8,606 SH   DFND   0 0 8,606
HOME DEPOT INC COM 437076102 66 215 SH   DFND   0 0 215
HOME DEPOT INC COM 437076102 1,038 3,400 SH   SOLE   0 0 3,400
INTEL CORP COM 458140100 19 300 SH   DFND   0 0 300
INTEL CORP COM 458140100 192 3,000 SH   SOLE   0 0 3,000
INTERCONTINENTAL EXCHANGE IN COM 45866F104 362 3,240 SH   DFND   0 0 3,240
INTERNATIONAL BUSINESS MACHS COM 459200101 18,481 138,685 SH   SOLE   0 0 138,685
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 211 1,490 SH   DFND   0 0 1,490
INVESCO QQQ TR UNIT SER 1 46090E103 34 106 SH   DFND   0 0 106
INVESCO QQQ TR UNIT SER 1 46090E103 2,617 8,200 SH   SOLE   0 0 8,200
ISHARES INC CORE MSCI EMKT 46434G103 1,419 22,049 SH   DFND   0 0 22,049
ISHARES TR EAFE GRWTH ETF 464288885 257 2,555 SH   DFND   0 0 2,555
ISHARES TR EAFE VALUE ETF 464288877 1,229 24,110 SH   DFND   0 0 24,110
ISHARES TR BLACKROCK ULTRA 46434V878 3,176 62,864 SH   DFND   0 0 62,864
ISHARES TR CORE MSCI EAFE 46432F842 6,225 86,395 SH   DFND   40,575 0 45,820
ISHARES TR CORE S&P MCP ETF 464287507 211 810 SH   DFND   0 0 810
ISHARES TR CORE S&P SCP ETF 464287804 293 2,700 SH   DFND   0 0 2,700
ISHARES TR RUS 1000 VAL ETF 464287598 5,895 38,895 SH   DFND   0 0 38,895
ISHARES TR RUS 1000 GRW ETF 464287614 6,649 27,357 SH   DFND   0 0 27,357
ISHARES TR RUSSELL 2000 ETF 464287655 62 280 SH   DFND   0 0 280
ISHARES TR RUSSELL 2000 ETF 464287655 165 746 SH   SOLE   0 0 746
ISHARES TR RUS 2000 VAL ETF 464287630 1,408 8,832 SH   DFND   0 0 8,832
ISHARES TR RUS 2000 GRW ETF 464287648 663 2,205 SH   DFND   0 0 2,205
ISHARES TR MSCI USA MIN VOL 46429B697 4,727 68,318 SH   DFND   0 0 68,318
J P MORGAN EXCHANGE-TRADED F EQUITY PREMIUM 46641Q332 1,155 19,865 SH   DFND   0 0 19,865
JOHNSON & JOHNSON COM 478160104 771 4,694 SH   DFND   0 0 4,694
JOHNSON & JOHNSON COM 478160104 35,407 215,434 SH   SOLE   0 0 215,434
JPMORGAN CHASE & CO COM 46625H100 16,990 111,606 SH   SOLE   0 0 111,606
KIMBERLY-CLARK CORP COM 494368103 868 6,245 SH   DFND   0 0 6,245
LILLY ELI & CO COM 532457108 374 2,000 SH   SOLE   0 0 2,000
MASTERCARD INC CL A 57636Q104 881 2,474 SH   DFND   0 0 2,474
MCDONALDS CORP COM 580135101 659 2,941 SH   DFND   0 0 2,941
MCDONALDS CORP COM 580135101 2,634 11,753 SH   SOLE   0 0 11,753
MEDTRONIC PLC SHS G5960L103 81 683 SH   DFND   0 0 683
MEDTRONIC PLC SHS G5960L103 2,389 20,221 SH   SOLE   0 0 20,221
MERCK & CO. INC COM 58933Y105 233 3,016 SH   DFND   0 0 3,016
MERCK & CO. INC COM 58933Y105 1,602 20,781 SH   SOLE   0 0 20,781
MICROSOFT CORP COM 594918104 1,475 6,257 SH   DFND   0 0 6,257
MICROSOFT CORP COM 594918104 6,989 29,643 SH   SOLE   0 0 29,643
NIKE INC CL B 654106103 623 4,688 SH   DFND   0 0 4,688
NORTHERN TR CORP COM 665859104 478 4,550 SH   DFND   0 0 4,550
NOVARTIS AG SPONSORED ADR 66987V109 831 9,720 SH   SOLE   0 0 9,720
ORACLE CORP COM 68389X105 484 6,896 SH   DFND   0 0 6,896
OTIS WORLDWIDE CORP COM 68902V107 294 4,288 SH   SOLE   0 0 4,288
PARKER-HANNIFIN CORP COM 701094104 354 1,121 SH   DFND   0 0 1,121
PAYCHEX INC COM 704326107 314 3,199 SH   DFND   0 0 3,199
PAYPAL HLDGS INC COM 70450Y103 812 3,345 SH   DFND   0 0 3,345
PEPSICO INC COM 713448108 521 3,680 SH   DFND   0 0 3,680
PEPSICO INC COM 713448108 354 2,500 SH   SOLE   0 0 2,500
PROCTER AND GAMBLE CO COM 742718109 731 5,395 SH   DFND   0 0 5,395
PROCTER AND GAMBLE CO COM 742718109 3,918 28,932 SH   SOLE   0 0 28,932
RAYTHEON TECHNOLOGIES CORP COM 75513E101 40 513 SH   DFND   0 0 513
RAYTHEON TECHNOLOGIES CORP COM 75513E101 1,171 15,149 SH   SOLE   0 0 15,149
ROYAL DUTCH SHELL PLC SPON ADR A 780259206 23 585 SH   DFND   0 0 585
ROYAL DUTCH SHELL PLC SPON ADR A 780259206 1,445 36,854 SH   SOLE   0 0 36,854
SALESFORCE COM INC COM 79466L302 440 2,075 SH   DFND   0 0 2,075
SCHLUMBERGER LTD COM 806857108 2 68 SH   DFND   0 0 68
SCHLUMBERGER LTD COM 806857108 9,192 338,058 SH   SOLE   0 0 338,058
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 341 10,000 SH   SOLE   0 0 10,000
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 7 200 SH   DFND   0 0 200
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 310 2,335 SH   DFND   0 0 2,335
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 660 2,000 SH   SOLE   0 0 2,000
SPDR S&P 500 ETF TR TR UNIT 78462F103 3,096 7,811 SH   DFND   0 0 7,811
SPDR S&P 500 ETF TR TR UNIT 78462F103 4,297 10,841 SH   SOLE   0 0 10,841
SPDR SER TR S&P DIVID ETF 78464A763 2,057 17,427 SH   DFND   0 0 17,427
STRYKER CORP COM 863667101 174 715 SH   DFND   0 0 715
STRYKER CORP COM 863667101 122 500 SH   SOLE   0 0 500
TARGET CORP COM 87612E106 166 840 SH   DFND   0 0 840
TARGET CORP COM 87612E106 198 1,000 SH   SOLE   0 0 1,000
TEGNA INC COM 87901J105 9,415 500,000 SH   SOLE   0 0 500,000
TELEFLEX INC COM 879369106 4,155 10,000 SH   DFND   0 0 10,000
TEXAS INSTRUMENTS INC COM 882508104 268 1,420 SH   DFND   0 0 1,420
THERMO FISHER SCIENTIFIC INC COM 883556102 201 440 SH   DFND   0 0 440
TRAVELERS COMPANIES INC COM 89417E109 610 4,056 SH   DFND   0 0 4,056
UNILEVER PLC SPON ADR NEW 904767704 1,631 29,211 SH   SOLE   0 0 29,211
UNION PAC CORP COM 907818108 408 1,850 SH   DFND   0 0 1,850
UNION PAC CORP COM 907818108 3,847 17,453 SH   SOLE   0 0 17,453
UNITEDHEALTH GROUP INC COM 91324P102 428 1,151 SH   DFND   0 0 1,151
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 11,336 133,891 SH   DFND   0 0 133,891
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 459 1,260 SH   DFND   0 0 1,260
VANGUARD INDEX FDS TOTAL STK MKT 922907746 229 4,190 SH   DFND   0 0 4,190
VANGUARD INDEX FDS TOTAL STK MKT 922908769 5,529 26,749 SH   DFND   0 0 26,749
VANGUARD INDEX FDS VALUE ETF 922908744 576 4,385 SH   DFND   0 0 4,385
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 317 5,035 SH   DFND   0 0 5,035
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 350 2,730 SH   DFND   0 0 2,730
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 10,983 74,675 SH   DFND   0 0 74,675
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 722 14,700 SH   DFND   0 0 14,700
VERIZON COMMUNICATIONS INC COM 92343V104 70 1,201 SH   DFND   0 0 1,201
VERIZON COMMUNICATIONS INC COM 92343V104 174 3,000 SH   SOLE   0 0 3,000
VISA INC COM CL A 92826C839 390 1,840 SH   DFND   0 0 1,840
WASHINGTON TR BANCORP COM 940610108 5,995 116,123 SH   SOLE   0 0 116,123
WESTERN ASSET INVT GRADE DEF COM 95790A101 206 9,615 SH   DFND   0 0 9,615