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
ABBOTT LABS COM 002824100 7,056 59,618 SH   SOLE   59,618 0 0
ABBOTT LABS COM 002824100 154 1,300 SH   DFND 13 0 1,300 0
ABBOTT LABS COM 002824100 1,163 9,830 SH   DFND 1 0 9,830 0
ABBOTT LABS COM 002824100 1,278 10,800 SH   DFND 6 0 10,800 0
ABBVIE COM 00287Y109 3,206 19,775 SH   SOLE   19,775 0 0
ABBVIE COM 00287Y109 819 5,050 SH   DFND 1 0 5,050 0
ABBVIE COM 00287Y109 1,256 7,750 SH   DFND 6 0 7,750 0
ACCENTURE PLC SHS COM G1151C101 2,574 7,634 SH   SOLE   7,634 0 0
ADOBE SYS COM 00724F101 1,253 2,750 SH   SOLE   2,750 0 0
ADVANCED MICRO DEVICES INC COM 007903107 4,106 37,555 SH   SOLE   37,555 0 0
ADVANCED MICRO DEVICES INC COM 007903107 110 1,003 SH   DFND 13 0 1,003 0
ADVANCED MICRO DEVICES INC COM 007903107 603 5,511 SH   DFND 1 0 5,511 0
ADVANCED MICRO DEVICES INC COM 007903107 339 3,102 SH   DFND 6 0 3,102 0
AIR PRODUCTS & CHEM COM 009158106 250 1,000 SH   SOLE   1,000 0 0
ALPHABET INC CL A COM 02079K305 9,081 3,265 SH   SOLE   3,265 0 0
ALPHABET INC CL A COM 02079K305 147 53 SH   DFND 13 0 53 0
ALPHABET INC CL A COM 02079K305 1,360 489 SH   DFND 1 0 489 0
ALPHABET INC CL A COM 02079K305 1,113 400 SH   DFND 6 0 400 0
ALPHABET INC CL C COM 02079K107 964 345 SH   SOLE   345 0 0
AMAZON.COM COM 023135106 3,987 1,223 SH   SOLE   1,223 0 0
AMAZON.COM COM 023135106 88 27 SH   DFND 13 0 27 0
AMAZON.COM COM 023135106 932 286 SH   DFND 1 0 286 0
AMAZON.COM COM 023135106 391 120 SH   DFND 6 0 120 0
AMGEN INC COM 031162100 1,892 7,823 SH   SOLE   7,823 0 0
ANALOG DEVICES COM 032654105 5,631 34,091 SH   SOLE   34,091 0 0
ANALOG DEVICES COM 032654105 157 950 SH   DFND 13 0 950 0
ANALOG DEVICES COM 032654105 840 5,085 SH   DFND 1 0 5,085 0
ANALOG DEVICES COM 032654105 347 2,100 SH   DFND 6 0 2,100 0
APPLE INC COM 037833100 12,725 72,877 SH   SOLE   72,877 0 0
APPLE INC COM 037833100 181 1,035 SH   DFND 13 0 1,035 0
APPLE INC COM 037833100 1,438 8,235 SH   DFND 1 0 8,235 0
APPLE INC COM 037833100 677 3,875 SH   DFND 6 0 3,875 0
APTARGROUP COM 038336103 3,972 33,804 SH   SOLE   33,804 0 0
APTARGROUP COM 038336103 106 900 SH   DFND 13 0 900 0
APTARGROUP COM 038336103 1,001 8,520 SH   DFND 1 0 8,520 0
APTARGROUP COM 038336103 925 7,875 SH   DFND 6 0 7,875 0
AUTOMATIC DATA PROCESSING COM 053015103 9,037 39,714 SH   SOLE   39,714 0 0
AUTOMATIC DATA PROCESSING COM 053015103 159 700 SH   DFND 13 0 700 0
AUTOMATIC DATA PROCESSING COM 053015103 1,381 6,070 SH   DFND 1 0 6,070 0
AUTOMATIC DATA PROCESSING COM 053015103 1,212 5,325 SH   DFND 6 0 5,325 0
BECTON DICKINSON COM 075887109 2,629 9,883 SH   SOLE   9,883 0 0
BECTON DICKINSON COM 075887109 133 500 SH   DFND 1 0 500 0
BECTON DICKINSON COM 075887109 332 1,250 SH   DFND 6 0 1,250 0
BERKSHIRE HATHAWAY CL B COM 084670702 282 800 SH   SOLE   800 0 0
BOSTON PPTYS INC REIT COM 101121101 1,129 8,762 SH   SOLE   8,762 0 0
BRISTOL-MYERS SQUIBB COM 110122108 876 12,000 SH   SOLE   12,000 0 0
BRISTOL-MYERS SQUIBB COM 110122108 292 4,000 SH   DFND 1 0 4,000 0
BRISTOL-MYERS SQUIBB COM 110122108 467 6,400 SH   DFND 6 0 6,400 0
BROADCOM INC COM 11135F101 1,039 1,650 SH   SOLE   1,650 0 0
CANADIAN NATL RAILWAY COM 136375102 5,262 39,224 SH   SOLE   39,224 0 0
CANADIAN NATL RAILWAY COM 136375102 168 1,250 SH   DFND 13 0 1,250 0
CANADIAN NATL RAILWAY COM 136375102 1,211 9,030 SH   DFND 1 0 9,030 0
CANADIAN NATL RAILWAY COM 136375102 1,419 10,575 SH   DFND 6 0 10,575 0
CARRIER GLOBAL COM 14448C104 203 4,415 SH   SOLE   4,415 0 0
CERNER COM 156782104 211 2,250 SH   SOLE   2,250 0 0
CHEVRON COM 166764100 1,168 7,175 SH   SOLE   7,175 0 0
CHEVRON COM 166764100 290 1,780 SH   DFND 1 0 1,780 0
CHEVRON COM 166764100 896 5,500 SH   DFND 6 0 5,500 0
CHUBB LIMITED COM H1467J104 107 500 SH   SOLE   500 0 0
CHUBB LIMITED COM H1467J104 150 700 SH   DFND 1 0 700 0
CHURCH & DWIGHT COM 171340102 1,846 18,575 SH   SOLE   18,575 0 0
CIGNA CORP NEW COM 125523100 347 1,450 SH   SOLE   1,450 0 0
CISCO SYS INC COM 17275R102 1,173 21,030 SH   SOLE   21,030 0 0
CISCO SYS INC COM 17275R102 128 2,300 SH   DFND 1 0 2,300 0
COCA COLA COM 191216100 583 9,400 SH   SOLE   9,400 0 0
COLGATE-PALMOLIVE COM 194162103 771 10,170 SH   SOLE   10,170 0 0
COMCAST CORP NEW CL A COM 20030N101 608 12,980 SH   SOLE   12,980 0 0
CONOCOPHILLIPS COM 20825C104 17 175 SH   SOLE   175 0 0
CONOCOPHILLIPS COM 20825C104 250 2,500 SH   DFND 1 0 2,500 0
COSTCO WHOLESALE COM 22160K105 1,533 2,663 SH   SOLE   2,663 0 0
COSTCO WHOLESALE COM 22160K105 92 160 SH   DFND 13 0 160 0
CVS HEALTH COM 126650100 3,661 36,170 SH   SOLE   36,170 0 0
CVS HEALTH COM 126650100 106 1,050 SH   DFND 13 0 1,050 0
CVS HEALTH COM 126650100 902 8,910 SH   DFND 1 0 8,910 0
CVS HEALTH COM 126650100 860 8,500 SH   DFND 6 0 8,500 0
DANAHER CORP COM 235851102 7,121 24,275 SH   SOLE   24,275 0 0
DANAHER CORP COM 235851102 125 425 SH   DFND 13 0 425 0
DANAHER CORP COM 235851102 880 3,000 SH   DFND 1 0 3,000 0
DANAHER CORP COM 235851102 455 1,550 SH   DFND 6 0 1,550 0
DEERE & CO COM 244199105 83 200 SH   SOLE   200 0 0
DEERE & CO COM 244199105 355 855 SH   DFND 1 0 855 0
DEERE & CO COM 244199105 83 200 SH   DFND 6 0 200 0
DIAGEO PLC SPSD ADR COM 25243Q205 1,300 6,400 SH   SOLE   6,400 0 0
DISNEY COM 254687106 3,298 24,047 SH   SOLE   24,047 0 0
DISNEY COM 254687106 75 550 SH   DFND 13 0 550 0
DISNEY COM 254687106 586 4,275 SH   DFND 1 0 4,275 0
DISNEY COM 254687106 514 3,750 SH   DFND 6 0 3,750 0
ECOLAB INC COM 278865100 1,527 8,650 SH   SOLE   8,650 0 0
EDWARDS LIFESCIENCES COM 28176E108 26 220 SH   SOLE   220 0 0
EDWARDS LIFESCIENCES COM 28176E108 242 2,055 SH   DFND 1 0 2,055 0
ELI LILLY & CO COM 532457108 44 155 SH   SOLE   155 0 0
ELI LILLY & CO COM 532457108 165 575 SH   DFND 1 0 575 0
EMERSON ELECTRIC COM 291011104 1,040 10,605 SH   SOLE   10,605 0 0
EMERSON ELECTRIC COM 291011104 88 900 SH   DFND 1 0 900 0
EMERSON ELECTRIC COM 291011104 441 4,500 SH   DFND 6 0 4,500 0
EOG RESOURCES COM 26875P101 415 3,480 SH   SOLE   3,480 0 0
EOG RESOURCES COM 26875P101 6 50 SH   DFND 1 0 50 0
EXXON MOBIL COM 30231G102 2,380 28,814 SH   SOLE   28,814 0 0
EXXON MOBIL COM 30231G102 636 7,700 SH   DFND 1 0 7,700 0
EXXON MOBIL COM 30231G102 752 9,100 SH   DFND 6 0 9,100 0
FISERV COM 337738108 3,673 36,227 SH   SOLE   36,227 0 0
FISERV COM 337738108 96 950 SH   DFND 13 0 950 0
FISERV COM 337738108 490 4,830 SH   DFND 1 0 4,830 0
FISERV COM 337738108 679 6,700 SH   DFND 6 0 6,700 0
GILEAD SCIENCES COM 375558103 482 8,100 SH   SOLE   8,100 0 0
HOME DEPOT COM 437076102 2,979 9,953 SH   SOLE   9,953 0 0
HOME DEPOT COM 437076102 78 260 SH   DFND 13 0 260 0
HOME DEPOT COM 437076102 617 2,060 SH   DFND 1 0 2,060 0
HOME DEPOT COM 437076102 299 1,000 SH   DFND 6 0 1,000 0
HONEYWELL INTL COM 438516106 2,287 11,755 SH   SOLE   11,755 0 0
HONEYWELL INTL COM 438516106 29 150 SH   DFND 13 0 150 0
HONEYWELL INTL COM 438516106 183 940 SH   DFND 1 0 940 0
ILLINOIS TOOL WORKS COM 452308109 1,531 7,310 SH   SOLE   7,310 0 0
ILLUMINA COM 452327109 2,373 6,793 SH   SOLE   6,793 0 0
ILLUMINA COM 452327109 79 225 SH   DFND 13 0 225 0
ILLUMINA COM 452327109 246 705 SH   DFND 1 0 705 0
ILLUMINA COM 452327109 341 975 SH   DFND 6 0 975 0
INGERSOLL RAND INC COM 45687V106 311 6,176 SH   DFND 6 0 6,176 0
INT'L FLAVORS & FRAGRANCES COM 459506101 62 471 SH   SOLE   471 0 0
INT'L FLAVORS & FRAGRANCES COM 459506101 129 980 SH   DFND 6 0 980 0
INT'L FLAVORS & FRAGRANCES COM 459506101 10 74 SH   DFND 1 0 74 0
INTEL CORP COM 458140100 2,183 44,050 SH   SOLE   44,050 0 0
INTEL CORP COM 458140100 654 13,200 SH   DFND 1 0 13,200 0
INTEL CORP COM 458140100 662 13,350 SH   DFND 6 0 13,350 0
INTL PAPER COM 460146103 277 6,000 SH   DFND 6 0 6,000 0
ISHARES RUSSELL 1000 COM 464287622 1,421 5,681 SH   SOLE   5,681 0 0
JACOBS ENGINEERING GROUP INC COM 469814107 551 4,000 SH   SOLE   4,000 0 0
JOHNSON & JOHNSON COM 478160104 6,916 39,021 SH   SOLE   39,021 0 0
JOHNSON & JOHNSON COM 478160104 120 675 SH   DFND 13 0 675 0
JOHNSON & JOHNSON COM 478160104 1,366 7,705 SH   DFND 1 0 7,705 0
JOHNSON & JOHNSON COM 478160104 961 5,425 SH   DFND 6 0 5,425 0
JPMORGAN CHASE COM 46625H100 1,991 14,602 SH   SOLE   14,602 0 0
KONINKLIJKE DSM NV COM 780249108 2,536 56,565 SH   SOLE   56,565 0 0
KONINKLIJKE DSM NV COM 780249108 67 1,500 SH   DFND 13 0 1,500 0
KONINKLIJKE DSM NV COM 780249108 402 8,975 SH   DFND 1 0 8,975 0
KONINKLIJKE DSM NV COM 780249108 260 5,800 SH   DFND 6 0 5,800 0
LOWES COMPANIES COM 548661107 2,598 12,850 SH   SOLE   12,850 0 0
MAGELLAN MIDSTREAM LP COM 559080106 745 15,175 SH   SOLE   15,175 0 0
MASTERCARD COM 57636Q104 8,013 22,421 SH   SOLE   22,421 0 0
MASTERCARD COM 57636Q104 125 350 SH   DFND 13 0 350 0
MASTERCARD COM 57636Q104 373 1,045 SH   DFND 1 0 1,045 0
MASTERCARD COM 57636Q104 1,072 3,000 SH   DFND 6 0 3,000 0
MCDONALDS CORP COM 580135101 710 2,870 SH   SOLE   2,870 0 0
MEDTRONIC COM G5960L103 600 5,410 SH   SOLE   5,410 0 0
MEDTRONIC COM G5960L103 44 400 SH   DFND 13 0 400 0
MEDTRONIC COM G5960L103 225 2,025 SH   DFND 1 0 2,025 0
MEDTRONIC COM G5960L103 122 1,100 SH   DFND 6 0 1,100 0
MERCK COM 58933Y105 286 3,485 SH   SOLE   3,485 0 0
MERCK COM 58933Y105 459 5,600 SH   DFND 1 0 5,600 0
MERCK COM 58933Y105 747 9,100 SH   DFND 6 0 9,100 0
MICROSOFT CORP COM 594918104 8,867 28,760 SH   SOLE   28,760 0 0
MICROSOFT CORP COM 594918104 131 425 SH   DFND 13 0 425 0
MICROSOFT CORP COM 594918104 1,025 3,325 SH   DFND 1 0 3,325 0
NESTLE SA ADR COM 641069406 4,945 38,013 SH   SOLE   38,013 0 0
NESTLE SA ADR COM 641069406 159 1,225 SH   DFND 13 0 1,225 0
NESTLE SA ADR COM 641069406 1,285 9,880 SH   DFND 1 0 9,880 0
NESTLE SA ADR COM 641069406 1,002 7,700 SH   DFND 6 0 7,700 0
NEXTERA ENERGY COM 65339F101 1,596 18,835 SH   SOLE   18,835 0 0
NIKE INC CLASS B COM 654106103 2,225 16,533 SH   SOLE   16,533 0 0
NIKE INC CLASS B COM 654106103 44 325 SH   DFND 13 0 325 0
NIKE INC CLASS B COM 654106103 198 1,475 SH   DFND 1 0 1,475 0
NOVARTIS AG ADR COM 66987V109 2,797 31,879 SH   SOLE   31,879 0 0
NOVARTIS AG ADR COM 66987V109 97 1,100 SH   DFND 13 0 1,100 0
NOVARTIS AG ADR COM 66987V109 387 4,415 SH   DFND 1 0 4,415 0
NOVARTIS AG ADR COM 66987V109 579 6,600 SH   DFND 6 0 6,600 0
NOVO NORDISK A S ADR COM 670100205 267 2,400 SH   SOLE   2,400 0 0
NOVOZYMES A S DKK 2.0 COM B798FW902 409 5,950 SH   SOLE   5,950 0 0
NOVOZYMES A S DKK 2.0 COM B798FW902 22 325 SH   DFND 13 0 325 0
NOVOZYMES A S DKK 2.0 COM B798FW902 52 750 SH   DFND 1 0 750 0
NOVOZYMES A S DKK 2.0 COM B798FW902 275 4,000 SH   DFND 6 0 4,000 0
NVIDIA CORP COM 67066G104 1,852 6,789 SH   SOLE   6,789 0 0
NVIDIA CORP COM 67066G104 1,426 5,225 SH   DFND 1 0 5,225 0
NVIDIA CORP COM 67066G104 1,112 4,075 SH   DFND 6 0 4,075 0
ORACLE COM 68389X105 1,017 12,290 SH   SOLE   12,290 0 0
ORACLE COM 68389X105 58 700 SH   DFND 1 0 700 0
ORACLE COM 68389X105 248 3,000 SH   DFND 6 0 3,000 0
PAYCHEX COM 704326107 341 2,500 SH   SOLE   2,500 0 0
PAYPAL HOLDINGS COM 70450Y103 1,748 15,112 SH   SOLE   15,112 0 0
PAYPAL HOLDINGS COM 70450Y103 40 345 SH   DFND 13 0 345 0
PAYPAL HOLDINGS COM 70450Y103 452 3,910 SH   DFND 1 0 3,910 0
PAYPAL HOLDINGS COM 70450Y103 324 2,800 SH   DFND 6 0 2,800 0
PEMBINA PIPELINE CO COM 706327103 232 6,175 SH   SOLE   6,175 0 0
PEMBINA PIPELINE CO COM 706327103 412 10,950 SH   DFND 1 0 10,950 0
PEMBINA PIPELINE CO COM 706327103 203 5,400 SH   DFND 6 0 5,400 0
PEPSICO COM 713448108 2,905 17,354 SH   SOLE   17,354 0 0
PEPSICO COM 713448108 418 2,500 SH   DFND 1 0 2,500 0
PEPSICO COM 713448108 418 2,500 SH   DFND 6 0 2,500 0
PFIZER COM 717081103 487 9,400 SH   SOLE   9,400 0 0
PFIZER COM 717081103 171 3,305 SH   DFND 1 0 3,305 0
PROCTER & GAMBLE COM 742718109 6,876 44,997 SH   SOLE   44,997 0 0
PROCTER & GAMBLE COM 742718109 130 850 SH   DFND 13 0 850 0
PROCTER & GAMBLE COM 742718109 1,010 6,607 SH   DFND 1 0 6,607 0
PROCTER & GAMBLE COM 742718109 840 5,500 SH   DFND 6 0 5,500 0
QUALCOMM COM 747525103 1,001 6,550 SH   SOLE   6,550 0 0
RAYTHEON TECHNOLOGIES COM 75513E101 4,994 50,408 SH   SOLE   50,408 0 0
RAYTHEON TECHNOLOGIES COM 75513E101 689 6,950 SH   DFND 1 0 6,950 0
RAYTHEON TECHNOLOGIES COM 75513E101 277 2,800 SH   DFND 6 0 2,800 0
ROCHE HLDG LTD ADR COM 771195104 1,385 28,029 SH   SOLE   28,029 0 0
ROCHE HLDG LTD ADR COM 771195104 25 500 SH   DFND 13 0 500 0
ROCHE HLDG LTD ADR COM 771195104 321 6,500 SH   DFND 1 0 6,500 0
ROCKWELL AUTOMATION COM 773903109 5,430 19,389 SH   SOLE   19,389 0 0
ROCKWELL AUTOMATION COM 773903109 150 535 SH   DFND 13 0 535 0
ROCKWELL AUTOMATION COM 773903109 1,224 4,370 SH   DFND 1 0 4,370 0
ROCKWELL AUTOMATION COM 773903109 56 200 SH   DFND 6 0 200 0
SALESFORCE.COM COM 79466L302 318 1,500 SH   SOLE   1,500 0 0
SPDR S&P 500 ETF COM 78462F103 291 645 SH   SOLE   645 0 0
STARBUCKS COM 855244109 1,146 12,597 SH   SOLE   12,597 0 0
STRYKER CORP COM 863667101 2,393 8,950 SH   SOLE   8,950 0 0
SYSCO COM 871829107 516 6,325 SH   SOLE   6,325 0 0
TELEFLEX COM 879369106 656 1,850 SH   SOLE   1,850 0 0
TEXAS INSTRUMENTS COM 882508104 505 2,750 SH   SOLE   2,750 0 0
TJX COS COM 872540109 2,272 37,504 SH   SOLE   37,504 0 0
TJX COS COM 872540109 45 750 SH   DFND 13 0 750 0
TJX COS COM 872540109 353 5,830 SH   DFND 1 0 5,830 0
TJX COS COM 872540109 339 5,600 SH   DFND 6 0 5,600 0
TRANE TECHNOLOGIES PLC COM G8994E103 840 5,500 SH   DFND 6 0 5,500 0
UNILEVER PLC NEW ADR COM 904767704 2,479 54,396 SH   SOLE   54,396 0 0
UNILEVER PLC NEW ADR COM 904767704 75 1,650 SH   DFND 13 0 1,650 0
UNILEVER PLC NEW ADR COM 904767704 238 5,225 SH   DFND 1 0 5,225 0
UNILEVER PLC NEW ADR COM 904767704 91 2,000 SH   DFND 6 0 2,000 0
UNION PACIFIC COM 907818108 352 1,290 SH   SOLE   1,290 0 0
UNION PACIFIC COM 907818108 833 3,050 SH   DFND 1 0 3,050 0
UNION PACIFIC COM 907818108 1,120 4,100 SH   DFND 6 0 4,100 0
UNITED HEALTH GROUP COM 91324P102 2,689 5,272 SH   SOLE   5,272 0 0
UNITED HEALTH GROUP COM 91324P102 64 125 SH   DFND 13 0 125 0
UNITED HEALTH GROUP COM 91324P102 315 617 SH   DFND 1 0 617 0
UNITED HEALTH GROUP COM 91324P102 112 220 SH   DFND 6 0 220 0
VERIZON COMMUNICATIONS COM 92343V104 551 10,825 SH   SOLE   10,825 0 0
WALGREEN BOOTS ALLIANCE INC COM 931427108 351 7,850 SH   SOLE   7,850 0 0
WASTE MANAGEMENT INC COM 94106L109 618 3,900 SH   SOLE   3,900 0 0
XYLEM INC COM 98419M100 2,140 25,098 SH   SOLE   25,098 0 0
XYLEM INC COM 98419M100 76 890 SH   DFND 13 0 890 0
XYLEM INC COM 98419M100 73 860 SH   DFND 1 0 860 0
YUM BRANDS COM 988498101 533 4,500 SH   SOLE   4,500 0 0
BNY MELLON INTERNATIONAL STOCK Equity Mutual Fu 05587K741 753 32,008 SH   SOLE   32,008 0 0
EATON VANCE ATLANTA CAPITAL SM Equity Mutual Fu 277902698 275 7,000 SH   SOLE   7,000 0 0
TOUCHSTONE SANDS CAPITAL EMERG Equity Mutual Fu 89154Q562 190 12,016 SH   SOLE   12,016 0 0
WCM FOCUSED INTERNATIONAL GROW Equity Mutual Fu 461418444 839 36,656 SH   SOLE   36,656 0 0