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 40 225 SH   SOLE   225 0 0
3M COM 88579Y101 222 1,250 SH   DFND 1 0 1,250 0
ABBOTT LABS COM 002824100 8,439 59,963 SH   SOLE   59,963 0 0
ABBOTT LABS COM 002824100 183 1,300 SH   DFND 13 0 1,300 0
ABBOTT LABS COM 002824100 1,383 9,830 SH   DFND 1 0 9,830 0
ABBOTT LABS COM 002824100 1,611 11,450 SH   DFND 6 0 11,450 0
ABBVIE COM 00287Y109 2,750 20,310 SH   SOLE   20,310 0 0
ABBVIE COM 00287Y109 728 5,375 SH   DFND 1 0 5,375 0
ABBVIE COM 00287Y109 1,259 9,300 SH   DFND 6 0 9,300 0
ACCENTURE PLC SHS COM G1151C101 3,185 7,684 SH   SOLE   7,684 0 0
ADOBE SYS COM 00724F101 1,559 2,750 SH   SOLE   2,750 0 0
AIR PRODUCTS & CHEM COM 009158106 304 1,000 SH   SOLE   1,000 0 0
ALLEGION PLC COM G0176J109 252 1,900 SH   DFND 6 0 1,900 0
ALPHABET INC CL A COM 02079K305 9,609 3,317 SH   SOLE   3,317 0 0
ALPHABET INC CL A COM 02079K305 154 53 SH   DFND 13 0 53 0
ALPHABET INC CL A COM 02079K305 1,417 489 SH   DFND 1 0 489 0
ALPHABET INC CL A COM 02079K305 1,217 420 SH   DFND 6 0 420 0
ALPHABET INC CL C COM 02079K107 1,013 350 SH   SOLE   350 0 0
AMAZON.COM COM 023135106 4,068 1,220 SH   SOLE   1,220 0 0
AMAZON.COM COM 023135106 90 27 SH   DFND 13 0 27 0
AMAZON.COM COM 023135106 950 285 SH   DFND 1 0 285 0
AMAZON.COM COM 023135106 317 95 SH   DFND 6 0 95 0
AMGEN INC COM 031162100 1,767 7,853 SH   SOLE   7,853 0 0
ANALOG DEVICES COM 032654105 6,051 34,428 SH   SOLE   34,428 0 0
ANALOG DEVICES COM 032654105 167 950 SH   DFND 13 0 950 0
ANALOG DEVICES COM 032654105 894 5,085 SH   DFND 1 0 5,085 0
ANALOG DEVICES COM 032654105 369 2,100 SH   DFND 6 0 2,100 0
APPLE INC COM 037833100 13,510 76,084 SH   SOLE   76,084 0 0
APPLE INC COM 037833100 188 1,060 SH   DFND 13 0 1,060 0
APPLE INC COM 037833100 1,542 8,685 SH   DFND 1 0 8,685 0
APPLE INC COM 037833100 693 3,900 SH   DFND 6 0 3,900 0
APTARGROUP COM 038336103 4,102 33,489 SH   SOLE   33,489 0 0
APTARGROUP COM 038336103 110 900 SH   DFND 13 0 900 0
APTARGROUP COM 038336103 1,044 8,520 SH   DFND 1 0 8,520 0
APTARGROUP COM 038336103 965 7,875 SH   DFND 6 0 7,875 0
AUTOMATIC DATA PROCESSING COM 053015103 9,819 39,822 SH   SOLE   39,822 0 0
AUTOMATIC DATA PROCESSING COM 053015103 173 700 SH   DFND 13 0 700 0
AUTOMATIC DATA PROCESSING COM 053015103 1,497 6,070 SH   DFND 1 0 6,070 0
AUTOMATIC DATA PROCESSING COM 053015103 1,362 5,525 SH   DFND 6 0 5,525 0
BECTON DICKINSON COM 075887109 2,588 10,293 SH   SOLE   10,293 0 0
BECTON DICKINSON COM 075887109 75 300 SH   DFND 13 0 300 0
BECTON DICKINSON COM 075887109 478 1,900 SH   DFND 1 0 1,900 0
BECTON DICKINSON COM 075887109 314 1,250 SH   DFND 6 0 1,250 0
BERKSHIRE HATHAWAY CL B COM 084670702 239 800 SH   SOLE   800 0 0
BOSTON PPTYS INC REIT COM 101121101 1,009 8,762 SH   SOLE   8,762 0 0
BRISTOL-MYERS SQUIBB COM 110122108 748 12,000 SH   SOLE   12,000 0 0
BRISTOL-MYERS SQUIBB COM 110122108 249 4,000 SH   DFND 1 0 4,000 0
BRISTOL-MYERS SQUIBB COM 110122108 399 6,400 SH   DFND 6 0 6,400 0
BROADCOM INC COM 11135F101 1,098 1,650 SH   SOLE   1,650 0 0
CANADIAN NATL RAILWAY COM 136375102 4,744 38,609 SH   SOLE   38,609 0 0
CANADIAN NATL RAILWAY COM 136375102 154 1,250 SH   DFND 13 0 1,250 0
CANADIAN NATL RAILWAY COM 136375102 1,114 9,065 SH   DFND 1 0 9,065 0
CANADIAN NATL RAILWAY COM 136375102 1,324 10,775 SH   DFND 6 0 10,775 0
CARRIER GLOBAL COM 14448C104 281 5,175 SH   SOLE   5,175 0 0
CERNER COM 156782104 209 2,250 SH   SOLE   2,250 0 0
CHEVRON COM 166764100 850 7,240 SH   SOLE   7,240 0 0
CHEVRON COM 166764100 235 2,005 SH   DFND 1 0 2,005 0
CHEVRON COM 166764100 704 6,000 SH   DFND 6 0 6,000 0
CHUBB LIMITED COM H1467J104 97 500 SH   SOLE   500 0 0
CHUBB LIMITED COM H1467J104 135 700 SH   DFND 1 0 700 0
CHURCH & DWIGHT COM 171340102 1,924 18,775 SH   SOLE   18,775 0 0
CIGNA CORP NEW COM 125523100 333 1,450 SH   SOLE   1,450 0 0
CISCO SYS INC COM 17275R102 1,432 22,600 SH   SOLE   22,600 0 0
CISCO SYS INC COM 17275R102 146 2,300 SH   DFND 1 0 2,300 0
COCA COLA COM 191216100 568 9,600 SH   SOLE   9,600 0 0
COLGATE-PALMOLIVE COM 194162103 870 10,190 SH   SOLE   10,190 0 0
COMCAST CORP NEW CL A COM 20030N101 725 14,400 SH   SOLE   14,400 0 0
CONOCOPHILLIPS COM 20825C104 14 200 SH   SOLE   200 0 0
CONOCOPHILLIPS COM 20825C104 207 2,864 SH   DFND 1 0 2,864 0
COSTCO WHOLESALE COM 22160K105 1,512 2,663 SH   SOLE   2,663 0 0
COSTCO WHOLESALE COM 22160K105 91 160 SH   DFND 13 0 160 0
CVS HEALTH COM 126650100 3,730 36,155 SH   SOLE   36,155 0 0
CVS HEALTH COM 126650100 108 1,050 SH   DFND 13 0 1,050 0
CVS HEALTH COM 126650100 919 8,910 SH   DFND 1 0 8,910 0
CVS HEALTH COM 126650100 877 8,500 SH   DFND 6 0 8,500 0
DANAHER CORP COM 235851102 8,016 24,365 SH   SOLE   24,365 0 0
DANAHER CORP COM 235851102 140 425 SH   DFND 13 0 425 0
DANAHER CORP COM 235851102 987 3,000 SH   DFND 1 0 3,000 0
DANAHER CORP COM 235851102 510 1,550 SH   DFND 6 0 1,550 0
DEERE & CO COM 244199105 69 200 SH   SOLE   200 0 0
DEERE & CO COM 244199105 293 855 SH   DFND 1 0 855 0
DEERE & CO COM 244199105 69 200 SH   DFND 6 0 200 0
DIAGEO PLC SPSD ADR COM 25243Q205 1,539 6,990 SH   SOLE   6,990 0 0
DISNEY COM 254687106 3,582 23,125 SH   SOLE   23,125 0 0
DISNEY COM 254687106 85 550 SH   DFND 13 0 550 0
DISNEY COM 254687106 658 4,250 SH   DFND 1 0 4,250 0
DISNEY COM 254687106 565 3,650 SH   DFND 6 0 3,650 0
ECOLAB INC COM 278865100 2,029 8,650 SH   SOLE   8,650 0 0
EDWARDS LIFESCIENCES COM 28176E108 29 220 SH   SOLE   220 0 0
EDWARDS LIFESCIENCES COM 28176E108 266 2,055 SH   DFND 1 0 2,055 0
ELI LILLY & CO COM 532457108 43 155 SH   SOLE   155 0 0
ELI LILLY & CO COM 532457108 159 575 SH   DFND 1 0 575 0
EMERSON ELECTRIC COM 291011104 988 10,625 SH   SOLE   10,625 0 0
EMERSON ELECTRIC COM 291011104 84 900 SH   DFND 1 0 900 0
EMERSON ELECTRIC COM 291011104 418 4,500 SH   DFND 6 0 4,500 0
EOG RESOURCES COM 26875P101 309 3,480 SH   SOLE   3,480 0 0
EOG RESOURCES COM 26875P101 7 75 SH   DFND 1 0 75 0
EXXON MOBIL COM 30231G102 1,801 29,439 SH   SOLE   29,439 0 0
EXXON MOBIL COM 30231G102 476 7,775 SH   DFND 1 0 7,775 0
EXXON MOBIL COM 30231G102 557 9,100 SH   DFND 6 0 9,100 0
FISERV COM 337738108 3,704 35,687 SH   SOLE   35,687 0 0
FISERV COM 337738108 99 950 SH   DFND 13 0 950 0
FISERV COM 337738108 501 4,830 SH   DFND 1 0 4,830 0
FISERV COM 337738108 695 6,700 SH   DFND 6 0 6,700 0
GILEAD SCIENCES COM 375558103 588 8,100 SH   SOLE   8,100 0 0
HOME DEPOT COM 437076102 4,268 10,284 SH   SOLE   10,284 0 0
HOME DEPOT COM 437076102 108 260 SH   DFND 13 0 260 0
HOME DEPOT COM 437076102 855 2,060 SH   DFND 1 0 2,060 0
HOME DEPOT COM 437076102 415 1,000 SH   DFND 6 0 1,000 0
HONEYWELL INTL COM 438516106 2,444 11,720 SH   SOLE   11,720 0 0
HONEYWELL INTL COM 438516106 31 150 SH   DFND 13 0 150 0
HONEYWELL INTL COM 438516106 193 925 SH   DFND 1 0 925 0
ILLINOIS TOOL WORKS COM 452308109 1,804 7,310 SH   SOLE   7,310 0 0
ILLUMINA COM 452327109 2,437 6,407 SH   SOLE   6,407 0 0
ILLUMINA COM 452327109 86 225 SH   DFND 13 0 225 0
ILLUMINA COM 452327109 240 630 SH   DFND 1 0 630 0
ILLUMINA COM 452327109 285 750 SH   DFND 6 0 750 0
INGERSOLL RAND INC COM 45687V106 382 6,176 SH   DFND 6 0 6,176 0
INT'L FLAVORS & FRAGRANCES COM 459506101 71 471 SH   SOLE   471 0 0
INT'L FLAVORS & FRAGRANCES COM 459506101 148 980 SH   DFND 6 0 980 0
INT'L FLAVORS & FRAGRANCES COM 459506101 11 74 SH   DFND 1 0 74 0
INTEL CORP COM 458140100 2,666 51,764 SH   SOLE   51,764 0 0
INTEL CORP COM 458140100 10 200 SH   DFND 13 0 200 0
INTEL CORP COM 458140100 769 14,925 SH   DFND 1 0 14,925 0
INTEL CORP COM 458140100 749 14,550 SH   DFND 6 0 14,550 0
INTL PAPER COM 460146103 282 6,000 SH   DFND 6 0 6,000 0
ISHARES RUSSELL 1000 COM 464287622 1,239 4,686 SH   SOLE   4,686 0 0
JACOBS ENGINEERING GROUP INC COM 469814107 557 4,000 SH   SOLE   4,000 0 0
JOHNSON & JOHNSON COM 478160104 6,665 38,961 SH   SOLE   38,961 0 0
JOHNSON & JOHNSON COM 478160104 115 675 SH   DFND 13 0 675 0
JOHNSON & JOHNSON COM 478160104 1,318 7,705 SH   DFND 1 0 7,705 0
JOHNSON & JOHNSON COM 478160104 928 5,425 SH   DFND 6 0 5,425 0
JPMORGAN CHASE COM 46625H100 2,381 15,034 SH   SOLE   15,034 0 0
KONINKLIJKE DSM NV COM 780249108 2,956 52,225 SH   SOLE   52,225 0 0
KONINKLIJKE DSM NV COM 780249108 85 1,500 SH   DFND 13 0 1,500 0
KONINKLIJKE DSM NV COM 780249108 460 8,125 SH   DFND 1 0 8,125 0
KONINKLIJKE DSM NV COM 780249108 224 3,950 SH   DFND 6 0 3,950 0
LOWES COMPANIES COM 548661107 3,502 13,550 SH   SOLE   13,550 0 0
MAGELLAN MIDSTREAM LP COM 559080106 705 15,175 SH   SOLE   15,175 0 0
MASTERCARD COM 57636Q104 8,069 22,455 SH   SOLE   22,455 0 0
MASTERCARD COM 57636Q104 126 350 SH   DFND 13 0 350 0
MASTERCARD COM 57636Q104 375 1,045 SH   DFND 1 0 1,045 0
MASTERCARD COM 57636Q104 1,060 2,950 SH   DFND 6 0 2,950 0
MCDONALDS CORP COM 580135101 771 2,875 SH   SOLE   2,875 0 0
MERCK COM 58933Y105 267 3,485 SH   SOLE   3,485 0 0
MERCK COM 58933Y105 429 5,600 SH   DFND 1 0 5,600 0
MERCK COM 58933Y105 713 9,300 SH   DFND 6 0 9,300 0
MICROSOFT CORP COM 594918104 9,861 29,319 SH   SOLE   29,319 0 0
MICROSOFT CORP COM 594918104 143 425 SH   DFND 13 0 425 0
MICROSOFT CORP COM 594918104 1,118 3,325 SH   DFND 1 0 3,325 0
NESTLE SA ADR COM 641069406 5,326 37,941 SH   SOLE   37,941 0 0
NESTLE SA ADR COM 641069406 172 1,225 SH   DFND 13 0 1,225 0
NESTLE SA ADR COM 641069406 1,390 9,905 SH   DFND 1 0 9,905 0
NESTLE SA ADR COM 641069406 1,081 7,700 SH   DFND 6 0 7,700 0
NEXTERA ENERGY COM 65339F101 1,758 18,835 SH   SOLE   18,835 0 0
NIKE INC CLASS B COM 654106103 2,722 16,331 SH   SOLE   16,331 0 0
NIKE INC CLASS B COM 654106103 38 225 SH   DFND 13 0 225 0
NIKE INC CLASS B COM 654106103 223 1,340 SH   DFND 1 0 1,340 0
NOVARTIS AG ADR COM 66987V109 2,781 31,799 SH   SOLE   31,799 0 0
NOVARTIS AG ADR COM 66987V109 96 1,100 SH   DFND 13 0 1,100 0
NOVARTIS AG ADR COM 66987V109 386 4,415 SH   DFND 1 0 4,415 0
NOVARTIS AG ADR COM 66987V109 577 6,600 SH   DFND 6 0 6,600 0
NOVO NORDISK A S ADR COM 670100205 269 2,400 SH   SOLE   2,400 0 0
NOVOZYMES A S DKK 2.0 COM B798FW902 702 8,565 SH   SOLE   8,565 0 0
NOVOZYMES A S DKK 2.0 COM B798FW902 27 325 SH   DFND 13 0 325 0
NOVOZYMES A S DKK 2.0 COM B798FW902 132 1,610 SH   DFND 1 0 1,610 0
NOVOZYMES A S DKK 2.0 COM B798FW902 451 5,500 SH   DFND 6 0 5,500 0
NVIDIA CORP COM 67066G104 1,376 4,677 SH   SOLE   4,677 0 0
NVIDIA CORP COM 67066G104 1,569 5,335 SH   DFND 1 0 5,335 0
NVIDIA CORP COM 67066G104 1,257 4,275 SH   DFND 6 0 4,275 0
ORACLE COM 68389X105 1,184 13,575 SH   SOLE   13,575 0 0
ORACLE COM 68389X105 87 1,000 SH   DFND 1 0 1,000 0
ORACLE COM 68389X105 305 3,500 SH   DFND 6 0 3,500 0
PAYCHEX COM 704326107 341 2,500 SH   SOLE   2,500 0 0
PAYPAL HOLDINGS COM 70450Y103 2,574 13,651 SH   SOLE   13,651 0 0
PAYPAL HOLDINGS COM 70450Y103 65 345 SH   DFND 13 0 345 0
PAYPAL HOLDINGS COM 70450Y103 652 3,455 SH   DFND 1 0 3,455 0
PAYPAL HOLDINGS COM 70450Y103 349 1,850 SH   DFND 6 0 1,850 0
PEMBINA PIPELINE CO COM 706327103 202 6,675 SH   SOLE   6,675 0 0
PEMBINA PIPELINE CO COM 706327103 336 11,075 SH   DFND 1 0 11,075 0
PEMBINA PIPELINE CO COM 706327103 167 5,500 SH   DFND 6 0 5,500 0
PEPSICO COM 713448108 3,015 17,354 SH   SOLE   17,354 0 0
PEPSICO COM 713448108 434 2,500 SH   DFND 1 0 2,500 0
PEPSICO COM 713448108 434 2,500 SH   DFND 6 0 2,500 0
PFIZER COM 717081103 558 9,450 SH   SOLE   9,450 0 0
PFIZER COM 717081103 195 3,305 SH   DFND 1 0 3,305 0
PROCTER & GAMBLE COM 742718109 7,436 45,458 SH   SOLE   45,458 0 0
PROCTER & GAMBLE COM 742718109 147 900 SH   DFND 13 0 900 0
PROCTER & GAMBLE COM 742718109 1,111 6,791 SH   DFND 1 0 6,791 0
PROCTER & GAMBLE COM 742718109 932 5,700 SH   DFND 6 0 5,700 0
QUALCOMM COM 747525103 1,198 6,550 SH   SOLE   6,550 0 0
RAYTHEON TECHNOLOGIES COM 75513E101 4,317 50,161 SH   SOLE   50,161 0 0
RAYTHEON TECHNOLOGIES COM 75513E101 598 6,950 SH   DFND 1 0 6,950 0
RAYTHEON TECHNOLOGIES COM 75513E101 241 2,800 SH   DFND 6 0 2,800 0
ROCHE HLDG LTD ADR COM 771195104 1,449 28,029 SH   SOLE   28,029 0 0
ROCHE HLDG LTD ADR COM 771195104 26 500 SH   DFND 13 0 500 0
ROCHE HLDG LTD ADR COM 771195104 336 6,500 SH   DFND 1 0 6,500 0
ROCKWELL AUTOMATION COM 773903109 6,773 19,414 SH   SOLE   19,414 0 0
ROCKWELL AUTOMATION COM 773903109 187 535 SH   DFND 13 0 535 0
ROCKWELL AUTOMATION COM 773903109 1,524 4,370 SH   DFND 1 0 4,370 0
ROCKWELL AUTOMATION COM 773903109 70 200 SH   DFND 6 0 200 0
SALESFORCE.COM COM 79466L302 381 1,500 SH   SOLE   1,500 0 0
STARBUCKS COM 855244109 1,480 12,650 SH   SOLE   12,650 0 0
STRYKER CORP COM 863667101 2,393 8,950 SH   SOLE   8,950 0 0
SYSCO COM 871829107 497 6,325 SH   SOLE   6,325 0 0
TELEFLEX COM 879369106 608 1,850 SH   SOLE   1,850 0 0
TEXAS INSTRUMENTS COM 882508104 518 2,750 SH   SOLE   2,750 0 0
TJX COS COM 872540109 2,796 36,829 SH   SOLE   36,829 0 0
TJX COS COM 872540109 57 750 SH   DFND 13 0 750 0
TJX COS COM 872540109 443 5,830 SH   DFND 1 0 5,830 0
TJX COS COM 872540109 410 5,400 SH   DFND 6 0 5,400 0
TRANE TECHNOLOGIES PLC COM G8994E103 1,202 5,950 SH   DFND 6 0 5,950 0
UNILEVER PLC NEW ADR COM 904767704 2,922 54,316 SH   SOLE   54,316 0 0
UNILEVER PLC NEW ADR COM 904767704 89 1,650 SH   DFND 13 0 1,650 0
UNILEVER PLC NEW ADR COM 904767704 299 5,550 SH   DFND 1 0 5,550 0
UNILEVER PLC NEW ADR COM 904767704 161 3,000 SH   DFND 6 0 3,000 0
UNION PACIFIC COM 907818108 325 1,290 SH   SOLE   1,290 0 0
UNION PACIFIC COM 907818108 819 3,250 SH   DFND 1 0 3,250 0
UNION PACIFIC COM 907818108 1,234 4,900 SH   DFND 6 0 4,900 0
UNITED HEALTH GROUP COM 91324P102 2,643 5,264 SH   SOLE   5,264 0 0
UNITED HEALTH GROUP COM 91324P102 63 125 SH   DFND 13 0 125 0
UNITED HEALTH GROUP COM 91324P102 209 417 SH   DFND 1 0 417 0
UNITED HEALTH GROUP COM 91324P102 110 220 SH   DFND 6 0 220 0
VERIZON COMMUNICATIONS COM 92343V104 605 11,650 SH   SOLE   11,650 0 0
WALGREEN BOOTS ALLIANCE INC COM 931427108 409 7,850 SH   SOLE   7,850 0 0
WASTE MANAGEMENT INC COM 94106L109 651 3,900 SH   SOLE   3,900 0 0
XILINX COM 983919101 4,953 23,360 SH   SOLE   23,360 0 0
XILINX COM 983919101 133 625 SH   DFND 13 0 625 0
XILINX COM 983919101 678 3,200 SH   DFND 1 0 3,200 0
XILINX COM 983919101 382 1,800 SH   DFND 6 0 1,800 0
XYLEM INC COM 98419M100 3,030 25,263 SH   SOLE   25,263 0 0
XYLEM INC COM 98419M100 107 890 SH   DFND 13 0 890 0
XYLEM INC COM 98419M100 103 860 SH   DFND 1 0 860 0
YUM BRANDS COM 988498101 625 4,500 SH   SOLE   4,500 0 0
BNY MELLON INTERNATIONAL STOCK Equity Mutual Fu 05587K741 710 26,374 SH   SOLE   26,374 0 0
EATON VANCE ATLANTA CAPITAL SM Equity Mutual Fu 277902698 330 8,000 SH   SOLE   8,000 0 0
WCM FOCUSED INTERNATIONAL GROW Equity Mutual Fu 461418444 841 30,389 SH   SOLE   30,389 0 0