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
AFLAC, Inc. Com 001055102 528 10,099 SH   SOLE 0 10,099 0 0
AFLAC, Inc. Com 001055102 42 800 SH   DFND 0 800 0 0
Alerian MLP-ETF Com 00162Q866 405 44,271 SH   SOLE 0 44,271 0 0
Alerian MLP-ETF Com 00162Q866 49 5,325 SH   DFND 0 5,325 0 0
AT&T Inc. Com Com 00206R102 7,019 185,483 SH   SOLE 0 185,418 0 65
AT&T Inc. Com Com 00206R102 991 26,179 SH   DFND 0 26,179 0 0
Abbott Laboratories Com 002824100 1,123 13,416 SH   SOLE 0 13,416 0 0
Abbott Laboratories Com 002824100 111 1,322 SH   DFND 0 1,322 0 0
AbbVie Inc Com 00287Y109 2,311 30,518 SH   SOLE 0 30,468 0 50
AbbVie Inc Com 00287Y109 437 5,765 SH   DFND 0 5,765 0 0
Adobe Systems Inc. Com 00724F101 404 1,464 SH   SOLE 0 1,464 0 0
Air Products & Chemicals Com 009158106 713 3,215 SH   SOLE 0 3,215 0 0
Alibaba Group Holding-SP ADR Com 01609W102 256 1,530 SH   SOLE 0 1,530 0 0
Alliance Data Systems Corp Com 018581108 413 3,220 SH   SOLE 0 3,220 0 0
Alliance Data Systems Corp Com 018581108 6 50 SH   DFND 0 50 0 0
Alphabet Inc Cl C Com 02079K107 803 659 SH   SOLE 0 659 0 0
Alphabet Inc Cl C Com 02079K107 98 80 SH   DFND 0 80 0 0
Alphabet Inc. Cl A Com 02079K305 2,467 2,020 SH   SOLE 0 2,020 0 0
Alphabet Inc. Cl A Com 02079K305 68 56 SH   DFND 0 56 0 0
Altria Group Inc. Com 02209S103 1,581 38,662 SH   SOLE 0 38,587 0 75
Altria Group Inc. Com 02209S103 195 4,776 SH   DFND 0 4,776 0 0
Amazon.Com, Inc. Com 023135106 1,833 1,056 SH   SOLE 0 1,056 0 0
Amazon.Com, Inc. Com 023135106 214 123 SH   DFND 0 123 0 0
American Express Co Com 025816109 1,335 11,283 SH   SOLE 0 11,283 0 0
American Express Co Com 025816109 897 7,585 SH   DFND 0 7,585 0 0
Ameriprise Financial, Inc. Com 03076C106 671 4,560 SH   SOLE 0 4,560 0 0
Ameriprise Financial, Inc. Com 03076C106 24 165 SH   DFND 0 165 0 0
Amgen Inc. Com 031162100 1,678 8,673 SH   SOLE 0 8,673 0 0
Amgen Inc. Com 031162100 83 430 SH   DFND 0 430 0 0
Apple, Inc. Com 037833100 9,777 43,653 SH   SOLE 0 43,623 0 30
Apple, Inc. Com 037833100 716 3,195 SH   DFND 0 3,195 0 0
Applied Materials Inc. Com 038222105 1,923 38,547 SH   SOLE 0 38,507 0 40
Applied Materials Inc. Com 038222105 57 1,150 SH   DFND 0 1,150 0 0
Automatic Data Processing Com 053015103 1,296 8,030 SH   SOLE 0 8,030 0 0
Automatic Data Processing Com 053015103 114 705 SH   DFND 0 705 0 0
BB&T Corp. com Com 054937107 1,371 25,695 SH   SOLE 0 25,695 0 0
BB&T Corp. com Com 054937107 97 1,822 SH   DFND 0 1,822 0 0
BB&T Corporation 5.2 12/31/49 Pfd Pfd Stk 054937800 1,745 68,931 SH   SOLE 0 68,931 0 0
BB&T Corporation 5.2 12/31/49 Pfd Pfd Stk 054937800 54 2,120 SH   DFND 0 2,120 0 0
Bank Of America Corporation Com 060505104 2,077 71,187 SH   SOLE 0 71,187 0 0
Bank Of America Corporation Com 060505104 69 2,380 SH   DFND 0 2,380 0 0
Bank of NY Mellon 5.2 12/31/49 Pfd Pfd Stk 064058209 1,539 59,842 SH   SOLE 0 59,842 0 0
Bank of NY Mellon 5.2 12/31/49 Pfd Pfd Stk 064058209 41 1,600 SH   DFND 0 1,600 0 0
Becton, Dickinson and Co. Com 075887109 516 2,038 SH   SOLE 0 2,038 0 0
Berkshire Hathaway Inc Cl B Com 084670702 622 2,992 SH   SOLE 0 2,967 0 25
Berkshire Hathaway Inc Cl B Com 084670702 9 45 SH   DFND 0 45 0 0
Berkshire Hills Bancorp Inc Com 084680107 202 6,892 SH   SOLE 0 6,892 0 0
BHP Group Limited Spon ADR Com 088606108 276 5,584 SH   SOLE 0 5,584 0 0
BHP Group Limited Spon ADR Com 088606108 3 60 SH   DFND 0 60 0 0
Biogen Inc. Com 09062X103 909 3,904 SH   SOLE 0 3,894 0 10
Biogen Inc. Com 09062X103 6 25 SH   DFND 0 25 0 0
Blackrock Inc Com 09247X101 1,267 2,843 SH   SOLE 0 2,843 0 0
Blackrock Inc Com 09247X101 58 130 SH   DFND 0 130 0 0
Boeing Co Com 097023105 2,609 6,858 SH   SOLE 0 6,848 0 10
Boeing Co Com 097023105 128 336 SH   DFND 0 336 0 0
Bristol Myers Squibb Co. Com 110122108 2,037 40,168 SH   SOLE 0 40,118 0 50
Bristol Myers Squibb Co. Com 110122108 311 6,125 SH   DFND 0 6,125 0 0
CVS Health Corp Com 126650100 2,155 34,163 SH   SOLE 0 34,118 0 45
CVS Health Corp Com 126650100 113 1,792 SH   DFND 0 1,792 0 0
Capital One Financial Corp. Com 14040H105 1,560 17,145 SH   SOLE 0 17,145 0 0
Capital One Financial Corp. Com 14040H105 63 695 SH   DFND 0 695 0 0
Capital One Preferred 5.2 - Series G Pfd Stk 14040H865 1,043 41,200 SH   SOLE 0 41,200 0 0
Capital One Preferred 5.2 - Series G Pfd Stk 14040H865 3 100 SH   DFND 0 100 0 0
Carnival Corp Com 143658300 748 17,106 SH   SOLE 0 17,106 0 0
Carnival Corp Com 143658300 43 975 SH   DFND 0 975 0 0
Caterpillar Inc. Com 149123101 930 7,361 SH   SOLE 0 7,361 0 0
Caterpillar Inc. Com 149123101 62 490 SH   DFND 0 490 0 0
Chevron Corp com Com 166764100 3,374 28,445 SH   SOLE 0 28,405 0 40
Chevron Corp com Com 166764100 275 2,318 SH   DFND 0 2,318 0 0
Cisco Systems, Inc. Com 17275R102 3,081 62,350 SH   SOLE 0 62,275 0 75
Cisco Systems, Inc. Com 17275R102 211 4,271 SH   DFND 0 4,271 0 0
Citrix Systems Inc Com 177376100 632 6,551 SH   SOLE 0 6,551 0 0
Citrix Systems Inc Com 177376100 15 160 SH   DFND 0 160 0 0
Coca Cola Com 191216100 1,429 26,240 SH   SOLE 0 26,240 0 0
Coca Cola Com 191216100 951 17,470 SH   DFND 0 17,470 0 0
Cognizant Tech Solutions-A Com 192446102 1,453 24,118 SH   SOLE 0 24,118 0 0
Cognizant Tech Solutions-A Com 192446102 34 565 SH   DFND 0 565 0 0
ComCast Corporation Cl A Com 20030N101 1,631 36,184 SH   SOLE 0 36,114 0 70
ComCast Corporation Cl A Com 20030N101 131 2,900 SH   DFND 0 2,900 0 0
ConocoPhillips Com 20825C104 208 3,659 SH   SOLE 0 3,659 0 0
ConocoPhillips Com 20825C104 594 10,417 SH   DFND 0 10,417 0 0
Consolidated Edison Inc. Com 209115104 958 10,146 SH   SOLE 0 10,146 0 0
Consolidated Edison Inc. Com 209115104 451 4,775 SH   DFND 0 4,775 0 0
Corteva Inc Com 22052L104 352 12,558 SH   SOLE 0 12,543 0 15
Corteva Inc Com 22052L104 34 1,229 SH   DFND 0 1,229 0 0
Costco Wholesale Corporation Com 22160K105 349 1,210 SH   SOLE 0 1,210 0 0
Cummins, Inc. Com 231021106 1,206 7,414 SH   SOLE 0 7,414 0 0
Cummins, Inc. Com 231021106 24 150 SH   DFND 0 150 0 0
Danaher Corp. Com Com 235851102 529 3,661 SH   SOLE 0 3,661 0 0
Darden Restaurants Inc. Com 237194105 2,093 17,701 SH   SOLE 0 17,701 0 0
Darden Restaurants Inc. Com 237194105 175 1,479 SH   DFND 0 1,479 0 0
Deere & Co. Com 244199105 369 2,185 SH   SOLE 0 2,185 0 0
Deere & Co. Com 244199105 67 400 SH   DFND 0 400 0 0
The Walt Disney Company Com 254687106 2,959 22,707 SH   SOLE 0 22,707 0 0
The Walt Disney Company Com 254687106 166 1,276 SH   DFND 0 1,276 0 0
Dominion Energy Inc. Com 25746U109 1,735 21,405 SH   SOLE 0 21,405 0 0
Dominion Energy Inc. Com 25746U109 270 3,336 SH   DFND 0 3,336 0 0
Dow Inc Com 260557103 620 13,003 SH   SOLE 0 12,988 0 15
Dow Inc Com 260557103 68 1,435 SH   DFND 0 1,435 0 0
Duke Energy Corp Com 26441C204 2,489 25,966 SH   SOLE 0 25,966 0 0
Duke Energy Corp Com 26441C204 316 3,292 SH   DFND 0 3,292 0 0
Duke Energy Corp 5.125 01/15/73 Pfd Pfd Stk 26441C303 357 13,900 SH   SOLE 0 13,900 0 0
Duke Energy Corp 5.125 01/15/73 Pfd Pfd Stk 26441C303 9 350 SH   DFND 0 350 0 0
Dupont De Nemours Inc Com 26614N102 1,377 19,317 SH   SOLE 0 19,302 0 15
Dupont De Nemours Inc Com 26614N102 159 2,230 SH   DFND 0 2,230 0 0
Ecolab Inc Com Com 278865100 17 85 SH   SOLE 0 85 0 0
Ecolab Inc Com Com 278865100 710 3,587 SH   DFND 0 3,587 0 0
Emerson Electric Co Com 291011104 725 10,842 SH   SOLE 0 10,842 0 0
Emerson Electric Co Com 291011104 73 1,098 SH   DFND 0 1,098 0 0
Entergy Corp. Com 29364G103 862 7,343 SH   SOLE 0 7,343 0 0
Entergy Corp. Com 29364G103 284 2,420 SH   DFND 0 2,420 0 0
Exelon Corp. Com 30161N101 1,006 20,826 SH   SOLE 0 20,786 0 40
Exelon Corp. Com 30161N101 124 2,560 SH   DFND 0 2,560 0 0
Exxon Mobil Corporation Com 30231G102 3,386 47,959 SH   SOLE 0 47,959 0 0
Exxon Mobil Corporation Com 30231G102 429 6,074 SH   DFND 0 6,074 0 0
Facebook Inc Com 30303M102 1,543 8,663 SH   SOLE 0 8,663 0 0
Facebook Inc Com 30303M102 40 225 SH   DFND 0 225 0 0
F5 Networks Inc Com 315616102 805 5,734 SH   SOLE 0 5,709 0 25
F5 Networks Inc Com 315616102 23 165 SH   DFND 0 165 0 0
General Electric Co Com 369604103 1,405 157,152 SH   SOLE 0 157,152 0 0
General Electric Co Com 369604103 190 21,225 SH   DFND 0 21,225 0 0
Gilead Sciences, Inc. Com 375558103 1,948 30,737 SH   SOLE 0 30,707 0 30
Gilead Sciences, Inc. Com 375558103 144 2,275 SH   DFND 0 2,275 0 0
Glaxosmithkline Plc Sponsored ADR Com 37733W105 78 1,818 SH   SOLE 0 1,818 0 0
Glaxosmithkline Plc Sponsored ADR Com 37733W105 369 8,650 SH   DFND 0 8,650 0 0
Goldman Sachs Group Inc. Com 38141G104 513 2,477 SH   SOLE 0 2,477 0 0
Goldman Sachs Group Inc. Com 38141G104 5 25 SH   DFND 0 25 0 0
HCP Inc. Com REIT Com 40414L109 1,208 33,903 SH   SOLE 0 33,903 0 0
HCP Inc. Com REIT Com 40414L109 31 875 SH   DFND 0 875 0 0
HP Inc. Com 40434L105 256 13,540 SH   SOLE 0 13,540 0 0
HP Inc. Com 40434L105 50 2,635 SH   DFND 0 2,635 0 0
Home Depot, Inc. Com 437076102 1,822 7,853 SH   SOLE 0 7,838 0 15
Home Depot, Inc. Com 437076102 375 1,615 SH   DFND 0 1,615 0 0
Honeywell International Inc. Com 438516106 886 5,238 SH   SOLE 0 5,238 0 0
Honeywell International Inc. Com 438516106 238 1,405 SH   DFND 0 1,405 0 0
Independent Bank Corp Mass Com 453836108 501 6,710 SH   SOLE 0 6,710 0 0
Independent Bank Corp Mass Com 453836108 204 2,735 SH   DFND 0 2,735 0 0
Intel Corp Com 458140100 5,059 98,177 SH   SOLE 0 98,177 0 0
Intel Corp Com 458140100 336 6,514 SH   DFND 0 6,514 0 0
International Business Machines Com 459200101 3,970 27,301 SH   SOLE 0 27,281 0 20
International Business Machines Com 459200101 741 5,093 SH   DFND 0 5,093 0 0
International Paper Com 460146103 1,095 26,181 SH   SOLE 0 26,181 0 0
International Paper Com 460146103 203 4,849 SH   DFND 0 4,849 0 0
Intuit Inc Com 461202103 760 2,859 SH   SOLE 0 2,859 0 0
Invesco II Pfd-ETF Pfd Stk 46138E511 10,560 703,071 SH   SOLE 0 702,471 0 600
Invesco II Pfd-ETF Pfd Stk 46138E511 673 44,796 SH   DFND 0 44,796 0 0
Iron Mountain Inc. Com 46284V101 326 10,078 SH   DFND 0 10,078 0 0
IShares Edge MSCI Emerging Market ETF Com 464286533 1,711 29,970 SH   SOLE 0 29,970 0 0
IShares Edge MSCI Emerging Market ETF Com 464286533 14 243 SH   DFND 0 243 0 0
iShares Barclays TIPS Bond Fund ETF Com 464287176 545 4,686 SH   SOLE 0 4,686 0 0
iShares Barclays TIPS Bond Fund ETF Com 464287176 102 875 SH   DFND 0 875 0 0
iShares S&P 500 Index - ETF Com 464287200 661 2,215 SH   SOLE 0 2,215 0 0
Ishares Core U.S. Aggregate-ETF Com 464287226 8,697 76,848 SH   SOLE 0 76,848 0 0
Ishares Core U.S. Aggregate-ETF Com 464287226 126 1,115 SH   DFND 0 1,115 0 0
iShares MSCI EAFE Index - ETF Com 464287465 373 5,715 SH   SOLE 0 5,715 0 0
iShares MSCI EAFE Index - ETF Com 464287465 89 1,372 SH   DFND 0 1,372 0 0
IShares Tr Short-Term Corp Bd-ETF Com 464288646 1,824 33,988 SH   SOLE 0 33,988 0 0
IShares Tr Short-Term Corp Bd-ETF Com 464288646 12 230 SH   DFND 0 230 0 0
JPMorgan Chase & Company Com 46625H100 5,734 48,724 SH   SOLE 0 48,699 0 25
JPMorgan Chase & Company Com 46625H100 998 8,480 SH   DFND 0 8,480 0 0
JPMorgan Chase Prf Stock 5.45 Series P Pfd Stk 46637G124 328 12,905 SH   SOLE 0 12,905 0 0
JPMorgan Chase Prf Stock 5.45 Series P Pfd Stk 46637G124 3 100 SH   DFND 0 100 0 0
Johnson & Johnson Com 478160104 3,403 26,302 SH   SOLE 0 26,302 0 0
Johnson & Johnson Com 478160104 442 3,416 SH   DFND 0 3,416 0 0
Kimberly-Clark Corp Com 494368103 2,493 17,553 SH   SOLE 0 17,553 0 0
Kimberly-Clark Corp Com 494368103 353 2,485 SH   DFND 0 2,485 0 0
Lilly, Eli & Co Com 532457108 1,556 13,916 SH   SOLE 0 13,916 0 0
Lilly, Eli & Co Com 532457108 138 1,235 SH   DFND 0 1,235 0 0
Lockheed Martin Corporation Com 539830109 1,498 3,840 SH   SOLE 0 3,840 0 0
Lockheed Martin Corporation Com 539830109 88 225 SH   DFND 0 225 0 0
Lowe's Companies, Inc. Com 548661107 3,291 29,926 SH   SOLE 0 29,886 0 40
Lowe's Companies, Inc. Com 548661107 123 1,115 SH   DFND 0 1,115 0 0
M&T Bank Corporation Com 55261F104 712 4,505 SH   DFND 0 4,505 0 0
Maxim Integrated Com Com 57772K101 352 6,075 SH   SOLE 0 6,075 0 0
Maxim Integrated Com Com 57772K101 20 340 SH   DFND 0 340 0 0
McDonald's Corp. Com 580135101 2,854 13,294 SH   SOLE 0 13,294 0 0
McDonald's Corp. Com 580135101 267 1,243 SH   DFND 0 1,243 0 0
Merck & Co. Inc. Com 58933Y105 2,949 35,030 SH   SOLE 0 35,030 0 0
Merck & Co. Inc. Com 58933Y105 306 3,631 SH   DFND 0 3,631 0 0
MetLife Inc. Com Com 59156R108 550 11,656 SH   SOLE 0 11,656 0 0
MetLife Inc. Com Com 59156R108 25 535 SH   DFND 0 535 0 0
Microsoft Corp Com 594918104 6,823 49,079 SH   SOLE 0 49,079 0 0
Microsoft Corp Com 594918104 655 4,713 SH   DFND 0 4,713 0 0
Microchip Technology Inc. Com 595017104 1,727 18,591 SH   SOLE 0 18,541 0 50
Microchip Technology Inc. Com 595017104 161 1,734 SH   DFND 0 1,734 0 0
National Grid Plc-SP ADR Com 636274409 662 12,239 SH   SOLE 0 12,239 0 0
National Grid Plc-SP ADR Com 636274409 92 1,696 SH   DFND 0 1,696 0 0
NextEra Energy Inc. Com 65339F101 2,916 12,517 SH   SOLE 0 12,509 0 8
NextEra Energy Inc. Com 65339F101 311 1,336 SH   DFND 0 1,336 0 0
Nextera Energy Capital 5 01/15/73 Pfd Pfd Stk 65339K886 328 12,934 SH   SOLE 0 12,934 0 0
Nextera Energy Capital 5 01/15/73 Pfd Pfd Stk 65339K886 13 500 SH   DFND 0 500 0 0
Nike Inc. Class B Com 654106103 1,594 16,970 SH   SOLE 0 16,970 0 0
Nike Inc. Class B Com 654106103 50 535 SH   DFND 0 535 0 0
Novartis AG Sponsored ADR Com 66987V109 724 8,331 SH   SOLE 0 8,331 0 0
Novartis AG Sponsored ADR Com 66987V109 52 600 SH   DFND 0 600 0 0
Nucor Corporation Com 670346105 989 19,426 SH   SOLE 0 19,426 0 0
Nucor Corporation Com 670346105 66 1,300 SH   DFND 0 1,300 0 0
Occidental Petroleum Corp Com 674599105 368 8,280 SH   SOLE 0 8,280 0 0
Occidental Petroleum Corp Com 674599105 18 408 SH   DFND 0 408 0 0
Oracle Corp. Com 68389X105 929 16,885 SH   SOLE 0 16,885 0 0
Oracle Corp. Com 68389X105 70 1,265 SH   DFND 0 1,265 0 0
PPL Corporation Com 69351T106 352 11,180 SH   SOLE 0 11,180 0 0
PPL Corporation Com 69351T106 20 625 SH   DFND 0 625 0 0
Pepsico Inc Com 713448108 2,102 15,334 SH   SOLE 0 15,334 0 0
Pepsico Inc Com 713448108 251 1,830 SH   DFND 0 1,830 0 0
Pfizer, Inc Com 717081103 3,611 100,511 SH   SOLE 0 100,511 0 0
Pfizer, Inc Com 717081103 548 15,241 SH   DFND 0 15,241 0 0
Philip Morris Intl Inc. Com 718172109 1,019 13,420 SH   SOLE 0 13,420 0 0
Philip Morris Intl Inc. Com 718172109 25 325 SH   DFND 0 325 0 0
Phillips 66 Com 718546104 59 574 SH   SOLE 0 574 0 0
Phillips 66 Com 718546104 516 5,036 SH   DFND 0 5,036 0 0
Pitney Bowes Com 724479100 47 10,200 SH   SOLE 0 10,200 0 0
T Rowe Price Group Inc Com 74144T108 1,361 11,910 SH   SOLE 0 11,910 0 0
T Rowe Price Group Inc Com 74144T108 71 620 SH   DFND 0 620 0 0
Principal Financial Group Inc. Com 74251V102 995 17,410 SH   SOLE 0 17,410 0 0
Principal Financial Group Inc. Com 74251V102 82 1,435 SH   DFND 0 1,435 0 0
Procter & Gamble Co Com 742718109 4,340 34,892 SH   SOLE 0 34,892 0 0
Procter & Gamble Co Com 742718109 476 3,829 SH   DFND 0 3,829 0 0
Public Storage Com 74460D109 890 3,628 SH   SOLE 0 3,628 0 0
Public Storage Com 74460D109 22 90 SH   DFND 0 90 0 0
Public Storage- Preferred 4.9- Series E Pfd Stk 74460W719 1,128 43,734 SH   SOLE 0 43,734 0 0
Public Storage- Preferred 4.9- Series E Pfd Stk 74460W719 20 780 SH   DFND 0 780 0 0
Qualcomm Inc Com 747525103 2,182 28,600 SH   SOLE 0 28,600 0 0
Qualcomm Inc Com 747525103 169 2,220 SH   DFND 0 2,220 0 0
Raytheon Company Com 755111507 548 2,795 SH   SOLE 0 2,795 0 0
Raytheon Company Com 755111507 50 255 SH   DFND 0 255 0 0
Royal Dutch Shell PLC Cl B Com 780259107 267 4,450 SH   SOLE 0 4,450 0 0
Royal Dutch Shell PLC Cl B Com 780259107 33 550 SH   DFND 0 550 0 0
S&P Global Com 78409V104 209 855 SH   SOLE 0 855 0 0
S&P Global Com 78409V104 322 1,315 SH   DFND 0 1,315 0 0
SPDR S & P 500 Trust Unit Ser 1 - ETF Com 78462F103 119 402 SH   SOLE 0 402 0 0
SPDR S & P 500 Trust Unit Ser 1 - ETF Com 78462F103 132 444 SH   DFND 0 444 0 0
MFC SPDR Series Trust S&P 500 Growth - ETF Com 78464A409 711 18,285 SH   SOLE 0 18,285 0 0
MFC SPDR Series Trust S&P 500 Growth - ETF Com 78464A409 187 4,820 SH   DFND 0 4,820 0 0
SPDR S&P Midcap 400 Tr Unit Ser 1-ETF Com 78467Y107 934 2,650 SH   SOLE 0 2,650 0 0
Salesforce.Com Inc Com 79466L302 577 3,885 SH   SOLE 0 3,885 0 0
Salesforce.Com Inc Com 79466L302 7 45 SH   DFND 0 45 0 0
Select Sector SPDR-Materials - ETF Com 81369Y100 289 4,971 SH   SOLE 0 4,971 0 0
Select Sector SPDR-Materials - ETF Com 81369Y100 9 150 SH   DFND 0 150 0 0
Select Sector SPDR-Health Care - ETF Com 81369Y209 1,298 14,398 SH   SOLE 0 14,398 0 0
Select Sector SPDR-Health Care - ETF Com 81369Y209 41 452 SH   DFND 0 452 0 0
Select Sector SPDR-Consumer Staples - ETF Com 81369Y308 713 11,604 SH   SOLE 0 11,604 0 0
Select Sector SPDR-Consumer Staples - ETF Com 81369Y308 23 377 SH   DFND 0 377 0 0
Select Sector SPDR-Cons. Discretionary - ETF Com 81369Y407 931 7,712 SH   SOLE 0 7,712 0 0
Select Sector SPDR-Cons. Discretionary - ETF Com 81369Y407 34 281 SH   DFND 0 281 0 0
Select Sector SPDR-Energy - ETF Com 81369Y506 374 6,317 SH   SOLE 0 6,317 0 0
Select Sector SPDR-Energy - ETF Com 81369Y506 12 211 SH   DFND 0 211 0 0
Select Sector SPDR-Financial - ETF Com 81369Y605 1,173 41,899 SH   SOLE 0 41,899 0 0
Select Sector SPDR-Financial - ETF Com 81369Y605 39 1,378 SH   DFND 0 1,378 0 0
Select Sector SPDR-Industrial - ETF Com 81369Y704 854 11,002 SH   SOLE 0 11,002 0 0
Select Sector SPDR-Industrial - ETF Com 81369Y704 28 364 SH   DFND 0 364 0 0
Select Sector SPDR-Technology - ETF Com 81369Y803 1,943 24,129 SH   SOLE 0 24,129 0 0
Select Sector SPDR-Technology - ETF Com 81369Y803 72 898 SH   DFND 0 898 0 0
Select Sector SPDR- Comm Services-ETF Com 81369Y852 921 18,607 SH   SOLE 0 18,607 0 0
Select Sector SPDR- Comm Services-ETF Com 81369Y852 17 352 SH   DFND 0 352 0 0
Select Sector SPDR-Real Estate - ETF Com 81369Y860 263 6,695 SH   SOLE 0 6,695 0 0
Select Sector SPDR-Real Estate - ETF Com 81369Y860 8 212 SH   DFND 0 212 0 0
Select Sector SPDR Fund-Utilities - ETF Com 81369Y886 307 4,736 SH   SOLE 0 4,736 0 0
Select Sector SPDR Fund-Utilities - ETF Com 81369Y886 8 126 SH   DFND 0 126 0 0
Service Corp. Intl. Com 817565104 394 8,250 SH   DFND 0 8,250 0 0
Signature Bank Com 82669G104 301 2,526 SH   SOLE 0 2,526 0 0
Signature Bank Com 82669G104 2 15 SH   DFND 0 15 0 0
Skyworks Solutions, Inc. Com 83088M102 437 5,515 SH   SOLE 0 5,515 0 0
Skyworks Solutions, Inc. Com 83088M102 4 50 SH   DFND 0 50 0 0
J.M. Smucker Company Com 832696405 621 5,642 SH   SOLE 0 5,642 0 0
J.M. Smucker Company Com 832696405 66 600 SH   DFND 0 600 0 0
Southern Co Com 842587107 1,098 17,768 SH   SOLE 0 17,768 0 0
Southern Co Com 842587107 32 525 SH   DFND 0 525 0 0
Stanley Black & Decker 5.75 07/25/52 Pfd Pfd Stk 854502705 385 15,090 SH   SOLE 0 15,090 0 0
Stanley Black & Decker 5.75 07/25/52 Pfd Pfd Stk 854502705 18 700 SH   DFND 0 700 0 0
Starbucks Corporation Com 855244109 2,197 24,849 SH   SOLE 0 24,814 0 35
Starbucks Corporation Com 855244109 20 225 SH   DFND 0 225 0 0
State Street Corp. Com 857477103 837 14,147 SH   SOLE 0 14,147 0 0
State Street Corp. Com 857477103 6 100 SH   DFND 0 100 0 0
State Str Corp-Preferred 5.25 Series C Pfd Stk 857477509 902 35,735 SH   SOLE 0 35,735 0 0
State Str Corp-Preferred 5.25 Series C Pfd Stk 857477509 4 150 SH   DFND 0 150 0 0
State Street Corp-Preferred 6 Series E Pfd Stk 857477889 264 10,439 SH   SOLE 0 10,439 0 0
State Street Corp-Preferred 6 Series E Pfd Stk 857477889 19 750 SH   DFND 0 750 0 0
Stryker Corp Com 863667101 306 1,415 SH   SOLE 0 1,415 0 0
Stryker Corp Com 863667101 8 35 SH   DFND 0 35 0 0
Suntrust Banks, Inc. Com 867914103 371 5,390 SH   DFND 0 5,390 0 0
Sysco Corp Com 871829107 430 5,420 SH   SOLE 0 5,420 0 0
Sysco Corp Com 871829107 49 620 SH   DFND 0 620 0 0
TJX Companies Inc. Com 872540109 1,263 22,656 SH   SOLE 0 22,656 0 0
TJX Companies Inc. Com 872540109 34 615 SH   DFND 0 615 0 0
Tapestry Inc Com 876030107 241 9,270 SH   SOLE 0 9,270 0 0
Tapestry Inc Com 876030107 22 850 SH   DFND 0 850 0 0
Target Corp. Com 87612E106 2,557 23,920 SH   SOLE 0 23,920 0 0
Target Corp. Com 87612E106 416 3,890 SH   DFND 0 3,890 0 0
Texas Instruments Inc Com 882508104 187 1,445 SH   SOLE 0 1,445 0 0
Texas Instruments Inc Com 882508104 39 300 SH   DFND 0 300 0 0
3M Company Com 88579Y101 309 1,877 SH   SOLE 0 1,877 0 0
3M Company Com 88579Y101 99 600 SH   DFND 0 600 0 0
Toronto Dominion Bank Com 891160509 1,764 30,275 SH   SOLE 0 30,275 0 0
Toronto Dominion Bank Com 891160509 256 4,390 SH   DFND 0 4,390 0 0
The Travelers Companies Inc. Com 89417E109 736 4,948 SH   SOLE 0 4,948 0 0
The Travelers Companies Inc. Com 89417E109 59 400 SH   DFND 0 400 0 0
US Bancorp Del Com Com 902973304 393 7,102 SH   SOLE 0 7,102 0 0
US Bancorp Del Com Com 902973304 817 14,755 SH   DFND 0 14,755 0 0
Unilever PLC Sponsored ADR New Com 904767704 286 4,765 SH   SOLE 0 4,765 0 0
Unilever PLC Sponsored ADR New Com 904767704 26 430 SH   DFND 0 430 0 0
Union Pacific Corp Com 907818108 1,457 8,993 SH   SOLE 0 8,993 0 0
Union Pacific Corp Com 907818108 43 265 SH   DFND 0 265 0 0
United Parcel Service Com 911312106 3,550 29,624 SH   SOLE 0 29,599 0 25
United Parcel Service Com 911312106 346 2,890 SH   DFND 0 2,890 0 0
UPS Class A (Directed) Com 911312205 306 2,552 SH   SOLE 0 2,552 0 0
United Technologies Corp. Com 913017109 1,837 13,458 SH   SOLE 0 13,448 0 10
United Technologies Corp. Com 913017109 83 610 SH   DFND 0 610 0 0
UnitedHealth Group Inc. Com 91324P102 1,342 6,173 SH   SOLE 0 6,173 0 0
UnitedHealth Group Inc. Com 91324P102 16 75 SH   DFND 0 75 0 0
VF Corporation Com 918204108 699 7,860 SH   SOLE 0 7,860 0 0
VF Corporation Com 918204108 36 400 SH   DFND 0 400 0 0
MFC Vaneck Vectors ETF Trust Com 92189F429 4,740 233,517 SH   SOLE 0 233,517 0 0
MFC Vaneck Vectors ETF Trust Com 92189F429 307 15,118 SH   DFND 0 15,118 0 0
Vanguard Mega Cap Value ETF Com 921910840 507 6,224 SH   SOLE 0 6,224 0 0
Vanguard Mega Cap Value ETF Com 921910840 154 1,890 SH   DFND 0 1,890 0 0
Vanguard Real Estate-ETF Com 922908553 8,857 94,977 SH   SOLE 0 94,977 0 0
Vanguard Real Estate-ETF Com 922908553 323 3,463 SH   DFND 0 3,463 0 0
Verizon Communications Inc. Com 92343V104 5,288 87,603 SH   SOLE 0 87,553 0 50
Verizon Communications Inc. Com 92343V104 780 12,915 SH   DFND 0 12,915 0 0
Visa, Inc. Com 92826C839 633 3,678 SH   SOLE 0 3,678 0 0
Visa, Inc. Com 92826C839 48 280 SH   DFND 0 280 0 0
Vodafone Group PLC-SP ADR Com 92857W308 583 29,288 SH   SOLE 0 29,288 0 0
Vodafone Group PLC-SP ADR Com 92857W308 28 1,400 SH   DFND 0 1,400 0 0
Wal-Mart Stores Inc Com 931142103 2,334 19,668 SH   SOLE 0 19,668 0 0
Wal-Mart Stores Inc Com 931142103 956 8,055 SH   DFND 0 8,055 0 0
Walgreens Boots Alliance Inc. Com 931427108 700 12,649 SH   SOLE 0 12,649 0 0
Walgreens Boots Alliance Inc. Com 931427108 4 75 SH   DFND 0 75 0 0
Wells Fargo Company Com 949746101 241 4,781 SH   SOLE 0 4,781 0 0
Wells Fargo Company Com 949746101 68 1,350 SH   DFND 0 1,350 0 0
Williams-Sonoma, Inc. Com 969904101 524 7,709 SH   SOLE 0 7,709 0 0
Williams-Sonoma, Inc. Com 969904101 6 90 SH   DFND 0 90 0 0
Wisdomtree U.S. Large Cap Dividend Fund-ETF Com 97717W307 521 5,255 SH   SOLE 0 5,255 0 0
Wisdomtree U.S. Large Cap Dividend Fund-ETF Com 97717W307 154 1,550 SH   DFND 0 1,550 0 0
WisdomTree U.S. Midcap Dividend Fund-ETF Com 97717W505 1,883 51,866 SH   SOLE 0 51,866 0 0
WisdomTree U.S. Midcap Dividend Fund-ETF Com 97717W505 49 1,353 SH   DFND 0 1,353 0 0
WisdomTree U.S. Small Cap Dividend Fund ETF Com 97717W604 1,854 67,738 SH   SOLE 0 67,738 0 0
WisdomTree U.S. Small Cap Dividend Fund ETF Com 97717W604 28 1,019 SH   DFND 0 1,019 0 0
Wisdomtree International Equity Fund ETF Com 97717W703 5,297 106,528 SH   SOLE 0 106,528 0 0
Wisdomtree International Equity Fund ETF Com 97717W703 96 1,925 SH   DFND 0 1,925 0 0
Eaton Corp PLC Com G29183103 1,864 22,414 SH   SOLE 0 22,414 0 0
Eaton Corp PLC Com G29183103 904 10,866 SH   DFND 0 10,866 0 0
Ingersoll-Rand PLC Shs Com G47791101 246 2,000 SH   DFND 0 2,000 0 0
Invesco Ltd Com G491BT108 952 56,174 SH   SOLE 0 56,074 0 100
Invesco Ltd Com G491BT108 81 4,785 SH   DFND 0 4,785 0 0
Medtronic Hldg Ltd Com G5960L103 890 8,190 SH   SOLE 0 8,190 0 0
Medtronic Hldg Ltd Com G5960L103 45 415 SH   DFND 0 415 0 0
Chubb Ltd Com H1467J104 753 4,666 SH   SOLE 0 4,666 0 0
Chubb Ltd Com H1467J104 61 380 SH   DFND 0 380 0 0
Check Point Software Com M22465104 865 7,897 SH   SOLE 0 7,897 0 0
Check Point Software Com M22465104 9 80 SH   DFND 0 80 0 0