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 COM 88579Y101 803 4,045 SH   SOLE   4,045 0 0
3M COM 88579Y101 520 2,620 SH   DFND 1 0 2,620 0
3M COM 88579Y101 377 1,900 SH   DFND 6 0 1,900 0
ABBOTT LABS COM 002824100 6,726 58,022 SH   SOLE   58,022 0 0
ABBOTT LABS COM 002824100 151 1,300 SH   DFND 13 0 1,300 0
ABBOTT LABS COM 002824100 1,156 9,975 SH   DFND 1 0 9,975 0
ABBOTT LABS COM 002824100 1,438 12,400 SH   DFND 6 0 12,400 0
ABBVIE COM 00287Y109 2,323 20,625 SH   SOLE   20,625 0 0
ABBVIE COM 00287Y109 605 5,375 SH   DFND 1 0 5,375 0
ABBVIE COM 00287Y109 1,053 9,350 SH   DFND 6 0 9,350 0
ACCENTURE PLC SHS COM G1151C101 2,414 8,189 SH   SOLE   8,189 0 0
ADOBE SYS COM 00724F101 1,611 2,750 SH   SOLE   2,750 0 0
AIR PRODUCTS & CHEM COM 009158106 288 1,000 SH   SOLE   1,000 0 0
ALLEGION PLC COM G0176J109 265 1,900 SH   DFND 6 0 1,900 0
ALPHABET INC CL A COM 02079K305 8,627 3,533 SH   SOLE   3,533 0 0
ALPHABET INC CL A COM 02079K305 147 60 SH   DFND 13 0 60 0
ALPHABET INC CL A COM 02079K305 1,365 559 SH   DFND 1 0 559 0
ALPHABET INC CL A COM 02079K305 1,111 455 SH   DFND 6 0 455 0
ALPHABET INC CL C COM 02079K107 1,103 440 SH   SOLE   440 0 0
AMAZON.COM COM 023135106 3,984 1,158 SH   SOLE   1,158 0 0
AMAZON.COM COM 023135106 93 27 SH   DFND 13 0 27 0
AMAZON.COM COM 023135106 987 287 SH   DFND 1 0 287 0
AMAZON.COM COM 023135106 327 95 SH   DFND 6 0 95 0
AMGEN INC COM 031162100 2,158 8,853 SH   SOLE   8,853 0 0
ANALOG DEVICES COM 032654105 5,643 32,777 SH   SOLE   32,777 0 0
ANALOG DEVICES COM 032654105 164 950 SH   DFND 13 0 950 0
ANALOG DEVICES COM 032654105 877 5,095 SH   DFND 1 0 5,095 0
ANALOG DEVICES COM 032654105 362 2,100 SH   DFND 6 0 2,100 0
APPLE INC COM 037833100 10,947 79,928 SH   SOLE   79,928 0 0
APPLE INC COM 037833100 154 1,125 SH   DFND 13 0 1,125 0
APPLE INC COM 037833100 1,293 9,440 SH   DFND 1 0 9,440 0
APPLE INC COM 037833100 568 4,150 SH   DFND 6 0 4,150 0
APTARGROUP COM 038336103 4,389 31,166 SH   SOLE   31,166 0 0
APTARGROUP COM 038336103 127 900 SH   DFND 13 0 900 0
APTARGROUP COM 038336103 1,199 8,510 SH   DFND 1 0 8,510 0
APTARGROUP COM 038336103 1,109 7,875 SH   DFND 6 0 7,875 0
AUTOMATIC DATA PROCESSING COM 053015103 7,639 38,462 SH   SOLE   38,462 0 0
AUTOMATIC DATA PROCESSING COM 053015103 139 700 SH   DFND 13 0 700 0
AUTOMATIC DATA PROCESSING COM 053015103 1,206 6,070 SH   DFND 1 0 6,070 0
AUTOMATIC DATA PROCESSING COM 053015103 1,097 5,525 SH   DFND 6 0 5,525 0
BECTON DICKINSON COM 075887109 2,122 8,725 SH   SOLE   8,725 0 0
BECTON DICKINSON COM 075887109 73 300 SH   DFND 13 0 300 0
BECTON DICKINSON COM 075887109 438 1,800 SH   DFND 1 0 1,800 0
BECTON DICKINSON COM 075887109 304 1,250 SH   DFND 6 0 1,250 0
BOSTON PPTYS INC REIT COM 101121101 1,004 8,762 SH   SOLE   8,762 0 0
BRISTOL-MYERS SQUIBB COM 110122108 765 11,450 SH   SOLE   11,450 0 0
BRISTOL-MYERS SQUIBB COM 110122108 267 4,000 SH   DFND 1 0 4,000 0
BRISTOL-MYERS SQUIBB COM 110122108 428 6,400 SH   DFND 6 0 6,400 0
BROADCOM INC COM 11135F101 787 1,650 SH   SOLE   1,650 0 0
CANADIAN NATL RAILWAY COM 136375102 3,440 32,600 SH   SOLE   32,600 0 0
CANADIAN NATL RAILWAY COM 136375102 132 1,250 SH   DFND 13 0 1,250 0
CANADIAN NATL RAILWAY COM 136375102 958 9,080 SH   DFND 1 0 9,080 0
CANADIAN NATL RAILWAY COM 136375102 1,137 10,775 SH   DFND 6 0 10,775 0
CARRIER GLOBAL COM 14448C104 252 5,175 SH   SOLE   5,175 0 0
CHEVRON COM 166764100 689 6,582 SH   SOLE   6,582 0 0
CHEVRON COM 166764100 207 1,980 SH   DFND 1 0 1,980 0
CHEVRON COM 166764100 628 6,000 SH   DFND 6 0 6,000 0
CHUBB LIMITED COM H1467J104 113 713 SH   SOLE   713 0 0
CHUBB LIMITED COM H1467J104 159 1,000 SH   DFND 1 0 1,000 0
CHURCH & DWIGHT COM 171340102 1,609 18,875 SH   SOLE   18,875 0 0
CIGNA CORP NEW COM 125523100 391 1,650 SH   SOLE   1,650 0 0
CISCO SYS INC COM 17275R102 1,279 24,125 SH   SOLE   24,125 0 0
CISCO SYS INC COM 17275R102 122 2,300 SH   DFND 1 0 2,300 0
COCA COLA COM 191216100 459 8,480 SH   SOLE   8,480 0 0
COLGATE-PALMOLIVE COM 194162103 795 9,774 SH   SOLE   9,774 0 0
COMCAST CORP NEW CL A COM 20030N101 901 15,800 SH   SOLE   15,800 0 0
COSTCO WHOLESALE COM 22160K105 1,054 2,663 SH   SOLE   2,663 0 0
COSTCO WHOLESALE COM 22160K105 79 200 SH   DFND 13 0 200 0
CVS HEALTH COM 126650100 2,857 34,245 SH   SOLE   34,245 0 0
CVS HEALTH COM 126650100 88 1,050 SH   DFND 13 0 1,050 0
CVS HEALTH COM 126650100 739 8,860 SH   DFND 1 0 8,860 0
CVS HEALTH COM 126650100 709 8,500 SH   DFND 6 0 8,500 0
DANAHER CORP COM 235851102 6,825 25,431 SH   SOLE   25,431 0 0
DANAHER CORP COM 235851102 121 450 SH   DFND 13 0 450 0
DANAHER CORP COM 235851102 890 3,315 SH   DFND 1 0 3,315 0
DANAHER CORP COM 235851102 476 1,775 SH   DFND 6 0 1,775 0
DEERE & CO COM 244199105 71 200 SH   SOLE   200 0 0
DEERE & CO COM 244199105 302 855 SH   DFND 1 0 855 0
DEERE & CO COM 244199105 79 225 SH   DFND 6 0 225 0
DIAGEO PLC SPSD ADR COM 25243Q205 1,354 7,065 SH   SOLE   7,065 0 0
DISNEY COM 254687106 3,683 20,952 SH   SOLE   20,952 0 0
DISNEY COM 254687106 97 550 SH   DFND 13 0 550 0
DISNEY COM 254687106 747 4,250 SH   DFND 1 0 4,250 0
DISNEY COM 254687106 624 3,550 SH   DFND 6 0 3,550 0
DOW CHEMICAL COMPANY COM 260557103 66 1,050 SH   SOLE   1,050 0 0
DOW CHEMICAL COMPANY COM 260557103 165 2,600 SH   DFND 6 0 2,600 0
DOW CHEMICAL COMPANY COM 260557103 13 200 SH   DFND 1 0 200 0
ECOLAB INC COM 278865100 1,782 8,650 SH   SOLE   8,650 0 0
EMERSON ELECTRIC COM 291011104 1,062 11,035 SH   SOLE   11,035 0 0
EMERSON ELECTRIC COM 291011104 125 1,300 SH   DFND 1 0 1,300 0
EMERSON ELECTRIC COM 291011104 433 4,500 SH   DFND 6 0 4,500 0
EOG RESOURCES COM 26875P101 295 3,530 SH   SOLE   3,530 0 0
EOG RESOURCES COM 26875P101 8 100 SH   DFND 1 0 100 0
EXXON MOBIL COM 30231G102 1,879 29,789 SH   SOLE   29,789 0 0
EXXON MOBIL COM 30231G102 490 7,775 SH   DFND 1 0 7,775 0
EXXON MOBIL COM 30231G102 574 9,100 SH   DFND 6 0 9,100 0
FISERV COM 337738108 3,564 33,340 SH   SOLE   33,340 0 0
FISERV COM 337738108 102 950 SH   DFND 13 0 950 0
FISERV COM 337738108 516 4,830 SH   DFND 1 0 4,830 0
FISERV COM 337738108 716 6,700 SH   DFND 6 0 6,700 0
GILEAD SCIENCES COM 375558103 516 7,500 SH   SOLE   7,500 0 0
HOME DEPOT COM 437076102 3,263 10,232 SH   SOLE   10,232 0 0
HOME DEPOT COM 437076102 83 260 SH   DFND 13 0 260 0
HOME DEPOT COM 437076102 788 2,470 SH   DFND 1 0 2,470 0
HOME DEPOT COM 437076102 319 1,000 SH   DFND 6 0 1,000 0
HONEYWELL INTL COM 438516106 2,438 11,115 SH   SOLE   11,115 0 0
HONEYWELL INTL COM 438516106 347 1,580 SH   DFND 1 0 1,580 0
ILLINOIS TOOL WORKS COM 452308109 1,478 6,610 SH   SOLE   6,610 0 0
ILLUMINA COM 452327109 2,907 6,143 SH   SOLE   6,143 0 0
ILLUMINA COM 452327109 106 225 SH   DFND 13 0 225 0
ILLUMINA COM 452327109 298 630 SH   DFND 1 0 630 0
ILLUMINA COM 452327109 355 750 SH   DFND 6 0 750 0
INGERSOLL RAND INC COM 45687V106 301 6,176 SH   DFND 6 0 6,176 0
INT'L FLAVORS & FRAGRANCES COM 459506101 70 471 SH   SOLE   471 0 0
INT'L FLAVORS & FRAGRANCES COM 459506101 146 980 SH   DFND 6 0 980 0
INT'L FLAVORS & FRAGRANCES COM 459506101 11 74 SH   DFND 1 0 74 0
INTEL CORP COM 458140100 3,380 60,213 SH   SOLE   60,213 0 0
INTEL CORP COM 458140100 45 800 SH   DFND 13 0 800 0
INTEL CORP COM 458140100 999 17,800 SH   DFND 1 0 17,800 0
INTEL CORP COM 458140100 817 14,550 SH   DFND 6 0 14,550 0
INTL PAPER COM 460146103 368 6,000 SH   DFND 6 0 6,000 0
ISHARES RUSSELL 1000 COM 464287622 1,219 5,036 SH   SOLE   5,036 0 0
JACOBS ENGINEERING GROUP INC COM 469814107 534 4,000 SH   SOLE   4,000 0 0
JOHNSON & JOHNSON COM 478160104 6,160 37,393 SH   SOLE   37,393 0 0
JOHNSON & JOHNSON COM 478160104 111 675 SH   DFND 13 0 675 0
JOHNSON & JOHNSON COM 478160104 1,269 7,705 SH   DFND 1 0 7,705 0
JOHNSON & JOHNSON COM 478160104 894 5,425 SH   DFND 6 0 5,425 0
JPMORGAN CHASE COM 46625H100 2,420 15,558 SH   SOLE   15,558 0 0
KONINKLIJKE DSM NV COM 780249108 1,749 37,380 SH   SOLE   37,380 0 0
KONINKLIJKE DSM NV COM 780249108 61 1,300 SH   DFND 13 0 1,300 0
KONINKLIJKE DSM NV COM 780249108 295 6,300 SH   DFND 1 0 6,300 0
KONINKLIJKE DSM NV COM 780249108 168 3,600 SH   DFND 6 0 3,600 0
LOWES COMPANIES COM 548661107 3,171 16,350 SH   SOLE   16,350 0 0
MAGELLAN MIDSTREAM LP COM 559080106 742 15,175 SH   SOLE   15,175 0 0
MASTERCARD COM 57636Q104 8,137 22,287 SH   SOLE   22,287 0 0
MASTERCARD COM 57636Q104 128 350 SH   DFND 13 0 350 0
MASTERCARD COM 57636Q104 396 1,085 SH   DFND 1 0 1,085 0
MASTERCARD COM 57636Q104 1,077 2,950 SH   DFND 6 0 2,950 0
MCDONALDS CORP COM 580135101 670 2,900 SH   SOLE   2,900 0 0
MERCK COM 58933Y105 271 3,485 SH   SOLE   3,485 0 0
MERCK COM 58933Y105 443 5,700 SH   DFND 1 0 5,700 0
MERCK COM 58933Y105 739 9,500 SH   DFND 6 0 9,500 0
MICROSOFT CORP COM 594918104 8,660 31,967 SH   SOLE   31,967 0 0
MICROSOFT CORP COM 594918104 129 475 SH   DFND 13 0 475 0
MICROSOFT CORP COM 594918104 966 3,565 SH   DFND 1 0 3,565 0
NESTLE SA ADR COM 641069406 4,427 35,493 SH   SOLE   35,493 0 0
NESTLE SA ADR COM 641069406 153 1,225 SH   DFND 13 0 1,225 0
NESTLE SA ADR COM 641069406 1,236 9,905 SH   DFND 1 0 9,905 0
NESTLE SA ADR COM 641069406 960 7,700 SH   DFND 6 0 7,700 0
NEXTERA ENERGY COM 65339F101 1,375 18,760 SH   SOLE   18,760 0 0
NIKE INC CLASS B COM 654106103 2,346 15,185 SH   SOLE   15,185 0 0
NIKE INC CLASS B COM 654106103 31 200 SH   DFND 13 0 200 0
NIKE INC CLASS B COM 654106103 44 285 SH   DFND 1 0 285 0
NOVARTIS AG ADR COM 66987V109 2,680 29,376 SH   SOLE   29,376 0 0
NOVARTIS AG ADR COM 66987V109 100 1,100 SH   DFND 13 0 1,100 0
NOVARTIS AG ADR COM 66987V109 652 7,150 SH   DFND 1 0 7,150 0
NOVARTIS AG ADR COM 66987V109 602 6,600 SH   DFND 6 0 6,600 0
NOVOZYMES A S DKK 2.0 COM B798FW902 1,061 14,102 SH   SOLE   14,102 0 0
NOVOZYMES A S DKK 2.0 COM B798FW902 68 900 SH   DFND 13 0 900 0
NOVOZYMES A S DKK 2.0 COM B798FW902 207 2,750 SH   DFND 1 0 2,750 0
NOVOZYMES A S DKK 2.0 COM B798FW902 504 6,700 SH   DFND 6 0 6,700 0
NVIDIA CORP COM 67066G104 1,052 1,315 SH   SOLE   1,315 0 0
NVIDIA CORP COM 67066G104 1,280 1,600 SH   DFND 1 0 1,600 0
NVIDIA CORP COM 67066G104 1,020 1,275 SH   DFND 6 0 1,275 0
ORACLE COM 68389X105 1,090 14,000 SH   SOLE   14,000 0 0
ORACLE COM 68389X105 78 1,000 SH   DFND 1 0 1,000 0
ORACLE COM 68389X105 272 3,500 SH   DFND 6 0 3,500 0
PAYCHEX COM 704326107 268 2,500 SH   SOLE   2,500 0 0
PAYPAL HOLDINGS COM 70450Y103 3,813 13,081 SH   SOLE   13,081 0 0
PAYPAL HOLDINGS COM 70450Y103 101 345 SH   DFND 13 0 345 0
PAYPAL HOLDINGS COM 70450Y103 1,032 3,540 SH   DFND 1 0 3,540 0
PAYPAL HOLDINGS COM 70450Y103 539 1,850 SH   DFND 6 0 1,850 0
PEMBINA PIPELINE CO COM 706327103 253 7,975 SH   SOLE   7,975 0 0
PEMBINA PIPELINE CO COM 706327103 352 11,075 SH   DFND 1 0 11,075 0
PEMBINA PIPELINE CO COM 706327103 175 5,500 SH   DFND 6 0 5,500 0
PEPSICO COM 713448108 2,571 17,354 SH   SOLE   17,354 0 0
PEPSICO COM 713448108 370 2,500 SH   DFND 1 0 2,500 0
PEPSICO COM 713448108 370 2,500 SH   DFND 6 0 2,500 0
PFIZER COM 717081103 370 9,450 SH   SOLE   9,450 0 0
PFIZER COM 717081103 129 3,305 SH   DFND 1 0 3,305 0
PROCTER & GAMBLE COM 742718109 5,877 43,553 SH   SOLE   43,553 0 0
PROCTER & GAMBLE COM 742718109 121 900 SH   DFND 13 0 900 0
PROCTER & GAMBLE COM 742718109 918 6,805 SH   DFND 1 0 6,805 0
PROCTER & GAMBLE COM 742718109 769 5,700 SH   DFND 6 0 5,700 0
QUALCOMM COM 747525103 936 6,550 SH   SOLE   6,550 0 0
RAYTHEON TECHNOLOGIES COM 75513E101 4,022 47,143 SH   SOLE   47,143 0 0
RAYTHEON TECHNOLOGIES COM 75513E101 591 6,925 SH   DFND 1 0 6,925 0
RAYTHEON TECHNOLOGIES COM 75513E101 239 2,800 SH   DFND 6 0 2,800 0
ROCHE HLDG LTD ADR COM 771195104 1,317 28,029 SH   SOLE   28,029 0 0
ROCHE HLDG LTD ADR COM 771195104 23 500 SH   DFND 13 0 500 0
ROCHE HLDG LTD ADR COM 771195104 305 6,500 SH   DFND 1 0 6,500 0
ROCKWELL AUTOMATION COM 773903109 5,236 18,306 SH   SOLE   18,306 0 0
ROCKWELL AUTOMATION COM 773903109 157 550 SH   DFND 13 0 550 0
ROCKWELL AUTOMATION COM 773903109 1,251 4,375 SH   DFND 1 0 4,375 0
ROCKWELL AUTOMATION COM 773903109 57 200 SH   DFND 6 0 200 0
SALESFORCE.COM COM 79466L302 366 1,500 SH   SOLE   1,500 0 0
STARBUCKS COM 855244109 1,414 12,650 SH   SOLE   12,650 0 0
STRYKER CORP COM 863667101 2,403 9,250 SH   SOLE   9,250 0 0
SYSCO COM 871829107 492 6,325 SH   SOLE   6,325 0 0
TELEFLEX COM 879369106 804 2,000 SH   SOLE   2,000 0 0
TEXAS INSTRUMENTS COM 882508104 577 3,000 SH   SOLE   3,000 0 0
TJX COS COM 872540109 2,041 30,269 SH   SOLE   30,269 0 0
TJX COS COM 872540109 47 700 SH   DFND 13 0 700 0
TJX COS COM 872540109 292 4,335 SH   DFND 1 0 4,335 0
TJX COS COM 872540109 364 5,400 SH   DFND 6 0 5,400 0
TRANE TECHNOLOGIES PLC COM G8994E103 1,178 6,400 SH   DFND 6 0 6,400 0
UNILEVER PLC NEW ADR COM 904767704 2,818 48,171 SH   SOLE   48,171 0 0
UNILEVER PLC NEW ADR COM 904767704 97 1,650 SH   DFND 13 0 1,650 0
UNILEVER PLC NEW ADR COM 904767704 303 5,175 SH   DFND 1 0 5,175 0
UNILEVER PLC NEW ADR COM 904767704 152 2,600 SH   DFND 6 0 2,600 0
UNION PACIFIC COM 907818108 284 1,290 SH   SOLE   1,290 0 0
UNION PACIFIC COM 907818108 715 3,250 SH   DFND 1 0 3,250 0
UNION PACIFIC COM 907818108 1,078 4,900 SH   DFND 6 0 4,900 0
UNITED HEALTH GROUP COM 91324P102 1,972 4,924 SH   SOLE   4,924 0 0
UNITED HEALTH GROUP COM 91324P102 50 125 SH   DFND 13 0 125 0
UNITED HEALTH GROUP COM 91324P102 167 417 SH   DFND 1 0 417 0
UNITED HEALTH GROUP COM 91324P102 88 220 SH   DFND 6 0 220 0
VERIZON COMMUNICATIONS COM 92343V104 671 11,976 SH   SOLE   11,976 0 0
WALGREEN BOOTS ALLIANCE INC COM 931427108 413 7,850 SH   SOLE   7,850 0 0
WASTE MANAGEMENT INC COM 94106L109 546 3,900 SH   SOLE   3,900 0 0
XILINX COM 983919101 3,181 21,995 SH   SOLE   21,995 0 0
XILINX COM 983919101 90 625 SH   DFND 13 0 625 0
XILINX COM 983919101 463 3,200 SH   DFND 1 0 3,200 0
XILINX COM 983919101 260 1,800 SH   DFND 6 0 1,800 0
XYLEM INC COM 98419M100 2,807 23,400 SH   SOLE   23,400 0 0
XYLEM INC COM 98419M100 107 890 SH   DFND 13 0 890 0
XYLEM INC COM 98419M100 104 870 SH   DFND 1 0 870 0
YUM BRANDS COM 988498101 518 4,500 SH   SOLE   4,500 0 0
BNY MELLON INTERNATIONAL STOCK Equity Mutual Fu 05587K741 685 26,374 SH   SOLE   26,374 0 0
EATON VANCE ATLANTA CAPITAL SM Equity Mutual Fu 277902698 343 8,000 SH   SOLE   8,000 0 0
WCM FOCUSED INTERNATIONAL GROW Equity Mutual Fu 461418444 832 30,389 SH   SOLE   30,389 0 0