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 2,384 13,592 SH   SOLE   13,154 0 438
ABBOTT LABS COM 002824100 2,941 24,898 SH   SOLE   23,965 0 933
ABBVIE INC COM 00287y109 2,939 27,243 SH   SOLE   26,382 0 861
ADOBE SYSTEMS INCORPORATED COM 00724f101 509 884 SH   SOLE   884 0 0
ADVANCED MICRO DEVICES INC COM 007903107 249 2,420 SH   SOLE   2,420 0 0
AIR PRODS & CHEMS INC COM 009158106 440 1,719 SH   SOLE   1,713 0 6
ALLSTATE CORP COM 020002101 453 3,560 SH   SOLE   3,560 0 0
ALPHABET INC CAP STK CL A 02079k305 1,765 660 SH   SOLE   651 0 9
ALPHABET INC CAP STK CL C 02079k107 1,700 638 SH   SOLE   638 0 0
ALTRIA GROUP INC COM 02209s103 334 7,336 SH   SOLE   7,336 0 0
AMAZON COM IN COM 023135106 4,018 1,223 SH   SOLE   1,218 0 5
AMERICAN EXPRESS CO COM 025816109 621 3,707 SH   SOLE   3,707 0 0
AMGEN INC COM 031162100 259 1,216 SH   SOLE   1,216 0 0
ANALOG DEVICES INC COM 032654105 1,074 6,415 SH   SOLE   6,415 0 0
ANTHEM INC COM 036752103 245 656 SH   SOLE   656 0 0
APPLE INC COM 037833100 3,882 27,433 SH   SOLE   27,173 0 260
ARCHER DANIELS MIDLAND CO COM 039483102 918 15,299 SH   SOLE   9,257 0 6,042
ARCHER DANIELS MIDLAND CO COM 039483102 2 32 SH   DFND   0 0 32
AUTOMATIC DATA PROCESSING IN COM 053015103 5,707 28,547 SH   SOLE   28,297 0 250
AVERY DENNISON CORP COM 053611109 1,036 5,000 SH   SOLE   5,000 0 0
BK OF AMERICA CORP COM 060505104 882 20,774 SH   SOLE   20,774 0 0
BECTON DICKINSON & CO COM 075887109 387 1,575 SH   SOLE   1,575 0 0
BERKSHIRE HATHAWAY INCDEL CL B NEW 084670702 668 2,447 SH   SOLE   2,437 0 10
BLACKROCK INC COM 09247x101 929 1,108 SH   SOLE   643 0 465
BLACKROCK INC COM 09247x101 2 2 SH   DFND   0 0 2
BOEING CO COM 097023105 422 1,919 SH   SOLE   1,910 0 9
BRISTOL-MYERS SQUIBB CO COM 110122108 1,005 16,979 SH   SOLE   11,532 0 5,447
BRISTOL MYERS SQUIBB CO COM 110122108 2 29 SH   DFND   0 0 29
BROADCOM INC COM COM 11135f101 279 576 SH   SOLE   576 0 0
BROADRIDGE FINL SOLUTIONS IN COM 11133t103 712 4,272 SH   SOLE   4,272 0 0
CATERPILLAR INC COM 149123101 3,005 15,651 SH   SOLE   13,999 0 1,652
CATERPILLAR INC COM 149123101 2 9 SH   DFND   0 0 9
CDK GLOBAL INC COM 12508e101 255 5,998 SH   SOLE   5,998 0 0
CHEVRON CORP NEW COM 166764100 1,602 15,793 SH   SOLE   12,038 0 3,755
CHEVRON CORP NEW COM 166764100 2 18 SH   DFND   0 0 18
CHIPOTLE MEXICAN GRILL INC CL COM 169656105 258 142 SH   SOLE   142 0 0
CISCO SYS INC COM 17275r102 1,491 27,395 SH   SOLE   20,541 0 6,854
CISCO SYS INC COM 17275r102 2 35 SH   DFND   0 0 35
COCA-COLA CO COM 191216100 5,320 101,400 SH   SOLE   94,819 0 6,581
COCA-COLA CO COM 191216100 2 34 SH   DFND   0 0 34
COMCAST CORP NEW CL A 20030n101 841 15,035 SH   SOLE   14,061 0 974
CONOCOPHILLIPS COM 20825c104 7,226 106,621 SH   SOLE   105,581 0 1,040
COSTCO WHSL CORP NEW COM 22160k105 1,850 4,116 SH   SOLE   3,198 0 918
COSTCO WHSL CORP NEW COM 22160k105 2 5 SH   DFND   0 0 5
CVS HEALTH CORP COM 126650100 264 3,114 SH   SOLE   3,114 0 0
DANAHER CORP COM 235851102 298 980 SH   SOLE   980 0 0
DEXCOM INC COM 252131107 562 1,028 SH   SOLE   1,028 0 0
DIAMONDBACK ENERGY INC COM 25278x109 320 3,378 SH   SOLE   3,378 0 0
DISNEY WALT CO COM 254687106 945 5,586 SH   SOLE   5,586 0 0
DOW INC COM 260557103 21,774 378,275 SH   SOLE   63,454 0 314,821
DUPONT DE NEMOURS INC COM 26614n102 11,110 163,402 SH   SOLE   36,765 0 126,637
DUPONT DE NEMOURS INC COM 26614n102 19 276 SH   DFND   0 0 276
EATON CORP PLC SHS g29183103 957 6,409 SH   SOLE   3,794 0 2,615
EATON CORP PLC SHS g29183103 2 12 SH   DFND   0 0 12
EBAY INC COM 278642103 215 3,090 SH   SOLE   3,090 0 0
EMERSON ELEC CO COM 291011104 1,117 11,861 SH   SOLE   7,983 0 3,878
EMERSON ELEC CO COM 291011104 2 19 SH   DFND   0 0 19
EXXON MOBIL CORP COM 30231g102 1,910 32,478 SH   SOLE   31,582 0 896
FACEBOOK INC CL A 30303m102 1,058 3,118 SH   SOLE   3,118 0 0
GILEAD SCIENCES INC COM 375558103 1,113 15,937 SH   SOLE   10,876 0 5,061
GILEAD SCIENCES INC COM 375558103 2 28 SH   DFND   0 0 28
HERSHEY CO COM 427866108 3,494 20,645 SH   SOLE   20,645 0 0
HOME DEPOT INC COM 437076102 4,621 14,078 SH   SOLE   12,913 0 1,165
HOME DEPOT INC COM 437076102 2 6 SH   DFND   0 0 6
HONEYWELL INTL INC COM 438516106 2,025 9,540 SH   SOLE   9,530 0 10
INTEL CORP COM 458140100 1,983 37,227 SH   SOLE   37,227 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 388 2,794 SH   SOLE   2,794 0 0
INTUIT COM 461202103 259 480 SH   SOLE   480 0 0
JOHNSON & JOHNSON COM 478160104 10,994 68,075 SH   SOLE   66,027 0 2,048
JOHNSON & JOHNSON COM 478160104 2 11 SH   DFND   0 0 11
JPMORGAN CHASE & CO COM 46625h100 5,515 33,691 SH   SOLE   33,691 0 0
LINCOLN NATL CORP IND COM 534187109 239 3,472 SH   SOLE   3,472 0 0
LOCKHEED MARTIN CORP COM 539830109 254 737 SH   SOLE   737 0 0
LOWES COS INC COM 548661107 782 3,855 SH   SOLE   3,818 0 37
LYONDELLBASELL INDUSTRIES N SHS - A - n53745100 830 8,847 SH   SOLE   5,401 0 3,446
LYONDELLBASELL INDUSTRIES N SHS - A - n53745100 2 18 SH   DFND   0 0 18
MARATHON OIL CORP COM 565849106 372 27,232 SH   SOLE   27,232 0 0
MARATHON PETE CORP COM 56585a102 509 8,230 SH   SOLE   8,230 0 0
MASTERCARD INCORPORATED CL A 57636q104 477 1,373 SH   SOLE   1,348 0 25
MCDONALDS CORP COM 580135101 1,248 5,177 SH   SOLE   3,638 0 1,539
MCDONALDS CORP COM 580135101 2 9 SH   DFND   0 0 9
MEDTRONIC PLC SHS g5960l103 993 7,919 SH   SOLE   5,079 0 2,840
MEDTRONIC PLC SHS g5960l103 2 16 SH   DFND   0 0 16
MERCK & CO INC COM 58933y105 2,778 36,981 SH   SOLE   36,981 0 0
MICROSOFT CORP COM 594918104 14,604 51,801 SH   SOLE   50,345 0 1,456
MICROSOFT CORP COM 594918104 2 7 SH   DFND   0 0 7
MORGAN STANLEY COM NEW 617446448 552 5,668 SH   SOLE   5,668 0 0
MOTOROLA SOLUTIONS INC COM NEW 620076307 248 1,066 SH   SOLE   1,066 0 0
NETFLIX INC COM 64110l106 342 560 SH   SOLE   560 0 0
NEXTERA ENERGY INC COM 65339f101 1,343 17,110 SH   SOLE   12,689 0 4,421
NEXTERA ENERGY INC COM 65339f101 2 24 SH   DFND   0 0 24
NIKE INC CL B 654106103 285 1,960 SH   SOLE   1,960 0 0
NVIDIA CORPORATION COM 67066g104 252 1,216 SH   SOLE   1,216 0 0
NVIDIA CORPORATION COM 68389x105 1,033 11,851 SH   SOLE   6,857 0 4,994
ORACLE CORP COM 68389x105 2 22 SH   DFND   0 0 22
PAYPAL HLDGS INC COM 70450y103 804 3,090 SH   SOLE   3,090 0 0
PEPSICO INC COM 713448108 479 3,183 SH   SOLE   3,164 0 19
PFIZER INC COM 717081103 1,497 34,803 SH   SOLE   25,367 0 9,436
PFIZER INC COM 717081103 2 41 SH   DFND   0 0 41
PHILLIPS 66 COM 718546104 4,844 69,171 SH   SOLE   68,651 0 520
PNC FINL SVCS GROUP INC COM 693475105 1,544 7,891 SH   SOLE   7,891 0 0
PROCTER & GAMBLE CO COM 742718109 3,750 26,822 SH   SOLE   14,663 0 12,159
PROCTER & GAMBLE CO COM 742718109 2 14 SH   DFND   0 0 14
PRUDENTIAL FINL INC COM 744320102 1,043 9,916 SH   SOLE   6,529 0 3,387
PRUDENTIAL FINL INC COM 744320102 2 18 SH   DFND   0 0 18
QUALCOMM INC COM 747525103 922 7,152 SH   SOLE   4,782 0 2,370
QUALCOMM INC COM 747525103 2 14 SH   DFND   0 0 14
SALESFORCE COM INC COM 79466l302 260 960 SH   SOLE   960 0 0
SOUTHERN CO COM 842587107 224 3,610 SH   SOLE   3,610 0 0
SYNCHRONY FINANCIAL COM 87165b103 268 5,488 SH   SOLE   5,488 0 0
TEXAS INSTRS INC COM 882508104 1,715 8,922 SH   SOLE   7,061 0 1,861
TEXAS INSTRS INC COM 882508104 2 10 SH   DFND   0 0 10
THERMO FISHER SCIENTIFIC INC COM 883556102 932 1,632 SH   SOLE   1,632 0 0
UNION PAC CORP COM 907818108 6,520 33,263 SH   SOLE   31,671 0 1,592
UNION PAC CORP COM 907818108 2 9 SH   DFND   0 0 9
UNITED PARCEL SERVICE INC CL B 911312106 996 5,468 SH   SOLE   3,472 0 1,996
UNITED PARCEL SERVICE INC CL B 911312106 2 11 SH   DFND   0 0 11
UNITEDHEALTH GROUP INC COM 91324p102 1,975 5,055 SH   SOLE   4,109 0 946
UNITEDHEALTH GROUP INC COM 91324p102 2 5 SH   DFND   0 0 5
US BANCORP DEL COM NEW 902973304 1,049 17,644 SH   SOLE   10,883 0 6,761
US BANCORP DEL COM NEW 902973304 2 34 SH   DFND   0 0 34
VERIZON COMMUNICATIONS INC COM 92343v104 1,178 21,805 SH   SOLE   15,680 0 6,125
VERIZON COMMUNICATIONS INC COM 92343v104 2 34 SH   DFND   0 0 34
VISA INC COM CL A 92826c839 1,340 6,015 SH   SOLE   6,015 0 0
WALMART INC COM 931142103 1,012 7,262 SH   SOLE   4,914 0 2,348
WALMART INC COM 931142103 2 12 SH   DFND   0 0 12
SANOFI SPONSORED ADR 80105n105 841 17,452 SH   SOLE   10,537 0 6,915
SANOFI SPONSORED ADR 80105n105 2 37 SH   DFND   0 0 37
SELECT SECTOR SPDR TR ENERGY 81369y506 431 8,269 SH   SOLE   344 0 7,925
INVESCO EXCHANGE TRADED FD T FINL PFD ETF 46137v621 1,579 83,304 SH   SOLE   53,450 0 29,854
INVESCO EXCHANGE TRADED FD T FINL PFD ETF 46137v621 3 164 SH   DFND   0 0 164
INVESCO QQQ TR UNIT SER 1 46090e103 9,795 27,363 SH   SOLE   24,830 0 2,533
ISHARES TR CORE MSCI EAFE 46432f842 27,595 371,656 SH   SOLE   172,945 0 198,711
ISHARES TR CORE MSCI EAFE 46432f842 449 6,053 SH   DFND   0 0 6,053
ISHARES TR CORE MSCI TOTAL 46432f834 636 8,956 SH   SOLE   7,356 0 1,600
ISHARES INC MSCI AUSTRALIA MSCI AUST ETF 464286103 11,230 452,471 SH   SOLE   208,026 0 244,445
ISHARES INC MSCI AUSTRALIA MSCI AUST ETF 464286103 187 7,528 SH   DFND   0 0 7,528
ISHARES TR MSCI ACWI ETF 464288257 3,224 32,270 SH   SOLE   24,771 0 7,499
ISHARES TR RUSEL 2500 ETF 46435g268 204 3,184 SH   SOLE   2,041 0 1,143
ISHARES TR RUSEL 2500 ETF 46435g268 16 253 SH   DFND   124 0 129
ISHARES TR COHEN STEER REIT 464287564 532 8,137 SH   SOLE   8,137 0 0
ISHARES TR SELECT DIVID ETF 464287168 732 6,380 SH   SOLE   6,000 0 380
ISHARES TR U.S. TECH ETF 464287721 2,613 25,800 SH   SOLE   25,800 0 0
ISHARES TR MSCI EAFE ETF 464287465 13,744 176,180 SH   SOLE   157,055 0 19,125
ISHARES TR MSCI EMG MKT ETF 464287234 2,249 44,644 SH   SOLE   35,334 0 9,310
ISHARES TR RUS 1000 ETF 464287622 25,755 106,553 SH   SOLE   47,517 0 59,036
ISHARES TR RUS 1000 ETF 464287622 517 2,137 SH   DFND   0 0 2,137
ISHARES TR RUS 1000 GRW ETF 464287614 2,278 8,311 SH   SOLE   8,250 0 61
ISHARES TR RUSSELL 2000 ETF 464287655 3,117 14,250 SH   SOLE   14,150 0 100
ISHARES TR RUS 2000 GRW ETF 464287648 3,199 10,897 SH   SOLE   10,897 0 0
ISHARES TR RUS MID CAP ETF 464287499 20,083 256,744 SH   SOLE   139,783 0 116,961
ISHARES TR RUS MID CAP ETF 464287499 285 3,649 SH   DFND   0 0 3,649
ISHARES TR RUS MD CP GR ETF 464287481 238 2,124 SH   SOLE   2,124 0 0
ISHARES TR S&p 500 GRWT ETF 464287309 10,800 146,120 SH   SOLE   145,320 0 800
ISHARES TR CORE S&P MCP ETF 464287507 18,289 69,523 SH   SOLE   39,635 0 29,888
ISHARES TR CORE S&P SCP ETF 464287804 629 5,765 SH   SOLE   5,765 0 0
ISHARES TR SP SMCP600VL ETF 464287879 3,819 37,940 SH   SOLE   37,940 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 17,931 241,530 SH   SOLE   116,747 0 124,783
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 273 3,677 SH   DFND   0 0 3,677
SELECT SECTOR SPDR TR FINANCIAL 81369y605 1,204 32,088 SH   SOLE   32,088 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369y803 972 6,510 SH   SOLE   6,510 0 0
SPDR S&P 500 ETF TR TR UNIT 78462f103 132,404 308,533 SH   SOLE   134,415 0 174,118
SPDR S&P 500 ETF TR TR UNIT 78462f103 2,413 5,623 SH   DFND   46 0 5,577
VANGUARD INDEX FDS GROWTH ETF 922908736 1,342 4,626 SH   SOLE   4,626 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 632 3,143 SH   SOLE   0 0 3,143
VANGUARD INDEX FDS SMALL CP ETF 922908751 17,939 82,035 SH   SOLE   39,772 0 42,263
VANGUARD INDEX FDS SMALL CP ETF 922908751 293 1,339 SH   DFND   0 0 1,339
VANGUARD INDEX FDS VALUE ETF 922908744 1,371 10,127 SH   SOLE   9,627 0 500
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 41,587 823,676 SH   SOLE   417,798 0 405,878
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 497 9,839 SH   DFND   0 0 9,839
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 12,609 252,131 SH   SOLE   118,024 0 134,107
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 178 3,552 SH   DFND   0 0 3,552
VANGUARD START FDS VG TL INTL STK F 921909768 218 3,446 SH   SOLE   2,211 0 1,235
VANGUARD START FDS VG TL INTL STK F 921909768 16 258 SH   DFND   124 0 134
ISHARES TR ISHS 5-10YR INVT 464288638 10,740 178,818 SH   SOLE   95,624 0 83,194
ISHARES TR ISHS 5-10YR INVT 464288638 188 3,138 SH   DFND   0 0 3,138
ISHARES TR SHRT NAT MUN ETF 464288158 5,609 52,143 SH   SOLE   33,583 0 18,560
ISHARES TR PFD AND INCM SEC 464288687 2,230 57,468 SH   SOLE   24,905 0 32,563
ISHARES TR PFD AND INCM SEC 464288687 3 79 SH   DFND   0 0 79
ISHARES TR ISHS 1-5YR INVS 464288646 16,363 299,467 SH   SOLE   159,681 0 139,786
ISHARES TR ISHS 1-5YR INVS 464288646 339 6,201 SH   DFND   42 0 6,159
ISHARES TR 3 7 TREAS BD 464288661 209 1,602 SH   SOLE   904 0 698
ISHARES TR INTRM GOV CR ETF 464288612 52,903 459,509 SH   SOLE   231,538 0 227,971
ISHARES TR INTRM GOV CR ETF 464288612 1,236 10,739 SH   DFND   36 0 10,703
ISHARES TR MBS ETF 464288588 31,835 294,383 SH   SOLE   159,776 0 134,607
ISHARES TR MBS ETF 464288588 719 6,649 SH   DFND   24 0 6,625
ISHARES TR NATIONAL MUN ETF 464288414 16,981 146,177 SH   SOLE   89,735 0 56,442
SPDR SER TR BLOOMBERG BRCLYS 78468r622 18,181 166,250 SH   SOLE   101,207 0 65,043
SPDR SER TR BLOOMBERG BRCLYS 78468r622 175 1,603 SH   DFND   0 0 1,603
VANGUARD BD INDEX FDS INTERMED TERM 921937819 341 3,815 SH   SOLE   0 0 3,815
AMERICAN TOWER CORP NEW COM 03027x100 382 1,440 SH   SOLE   1,440 0 0
ANNALY CAPITAL MANAGEMENT IN COM 035710409 848 100,760 SH   SOLE   61,512 0 39,248
ANNALY CAPITAL MANAGEMENT IN COM 035710409 2 223 SH   DFND   0 0 223
PROLOGIS INC COM 74340w103 206 1,640 SH   SOLE   1,640 0 0
SBA COMMUNICATIONS CORP NEW CL A 78410g104 298 902 SH   SOLE   902 0 0