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
AT&T Inc. Com Com 00206R102 2,495 119,058 SH   SOLE 0 118,993 0 65
AT&T Inc. Com Com 00206R102 403 19,237 SH   DFND 0 19,237 0 0
Abbott Laboratories Com 002824100 2,619 24,108 SH   SOLE 0 24,073 0 35
Abbott Laboratories Com 002824100 224 2,063 SH   DFND 0 2,063 0 0
AbbVie Inc Com 00287Y109 3,887 25,380 SH   SOLE 0 25,380 0 0
AbbVie Inc Com 00287Y109 623 4,067 SH   DFND 0 4,067 0 0
Activision Blizzard Inc Com 00507V109 1,089 13,988 SH   SOLE 0 13,988 0 0
Activision Blizzard Inc Com 00507V109 28 361 SH   DFND 0 361 0 0
Adobe Systems Inc. Com 00724F101 2,438 6,661 SH   SOLE 0 6,661 0 0
Adobe Systems Inc. Com 00724F101 115 315 SH   DFND 0 315 0 0
Air Products & Chemicals Com 009158106 429 1,783 SH   SOLE 0 1,783 0 0
Air Products & Chemicals Com 009158106 4 15 SH   DFND 0 15 0 0
Alphabet Inc Cl C Com 02079K107 1,516 693 SH   SOLE 0 693 0 0
Alphabet Inc Cl C Com 02079K107 127 58 SH   DFND 0 58 0 0
Alphabet Inc. Cl A Com 02079K305 6,924 3,177 SH   SOLE 0 3,177 0 0
Alphabet Inc. Cl A Com 02079K305 312 143 SH   DFND 0 143 0 0
Altria Group Inc. Com 02209S103 678 16,230 SH   SOLE 0 16,230 0 0
Altria Group Inc. Com 02209S103 85 2,030 SH   DFND 0 2,030 0 0
Amazon.Com, Inc. Com 023135106 5,734 53,990 SH   SOLE 0 53,990 0 0
Amazon.Com, Inc. Com 023135106 354 3,330 SH   DFND 0 3,330 0 0
American Express Co Com 025816109 894 6,452 SH   SOLE 0 6,452 0 0
American Express Co Com 025816109 281 2,027 SH   DFND 0 2,027 0 0
American Tower Corporation REIT Com 03027X100 226 885 SH   SOLE 0 885 0 0
Ameriprise Financial, Inc. Com 03076C106 619 2,605 SH   SOLE 0 2,605 0 0
Ameriprise Financial, Inc. Com 03076C106 1 5 SH   DFND 0 5 0 0
Amgen Inc. Com 031162100 1,016 4,176 SH   SOLE 0 4,176 0 0
Amgen Inc. Com 031162100 66 270 SH   DFND 0 270 0 0
Analog Devices Inc. Com 032654105 337 2,309 SH   SOLE 0 2,309 0 0
Analog Devices Inc. Com 032654105 20 138 SH   DFND 0 138 0 0
Apple, Inc. Com 037833100 16,563 121,146 SH   SOLE 0 121,101 0 45
Apple, Inc. Com 037833100 1,471 10,756 SH   DFND 0 10,756 0 0
Applied Materials Inc. Com 038222105 4,003 44,004 SH   SOLE 0 43,969 0 35
Applied Materials Inc. Com 038222105 130 1,433 SH   DFND 0 1,433 0 0
Automatic Data Processing Com 053015103 1,075 5,119 SH   SOLE 0 5,119 0 0
Automatic Data Processing Com 053015103 148 705 SH   DFND 0 705 0 0
Bank Of America Corporation Com 060505104 2,243 72,049 SH   SOLE 0 72,049 0 0
Bank Of America Corporation Com 060505104 146 4,690 SH   DFND 0 4,690 0 0
Baxter International, Inc. Com 071813109 234 3,641 SH   SOLE 0 3,641 0 0
Baxter International, Inc. Com 071813109 28 437 SH   DFND 0 437 0 0
Becton, Dickinson and Co. Com 075887109 220 892 SH   SOLE 0 892 0 0
Berkshire Hathaway, Inc. Cl A Com 084670108 818 2 SH   SOLE 0 2 0 0
Berkshire Hathaway Inc Cl B Com 084670702 1,091 3,995 SH   SOLE 0 3,985 0 10
Berkshire Hathaway Inc Cl B Com 084670702 74 272 SH   DFND 0 272 0 0
Berkshire Hills Bancorp Inc Com 084680107 218 8,794 SH   SOLE 0 8,794 0 0
Blackrock Inc Com 09247X101 778 1,278 SH   SOLE 0 1,278 0 0
Blackrock Inc Com 09247X101 52 85 SH   DFND 0 85 0 0
Bristol Myers Squibb Co. Com 110122108 2,484 32,254 SH   SOLE 0 32,204 0 50
Bristol Myers Squibb Co. Com 110122108 358 4,645 SH   DFND 0 4,645 0 0
Cigna Corp Com 125523100 283 1,075 SH   SOLE 0 1,075 0 0
CVS Health Corp Com 126650100 3,032 32,717 SH   SOLE 0 32,672 0 45
CVS Health Corp Com 126650100 202 2,175 SH   DFND 0 2,175 0 0
Campbell Soup Co Com 134429109 251 5,215 SH   SOLE 0 5,215 0 0
Campbell Soup Co Com 134429109 40 825 SH   DFND 0 825 0 0
Capital One Financial Corp. Com 14040H105 1,103 10,587 SH   SOLE 0 10,587 0 0
Capital One Financial Corp. Com 14040H105 56 540 SH   DFND 0 540 0 0
Caterpillar Inc. Com 149123101 2,379 13,311 SH   SOLE 0 13,311 0 0
Caterpillar Inc. Com 149123101 89 500 SH   DFND 0 500 0 0
Chevron Corp com Com 166764100 4,772 32,957 SH   SOLE 0 32,937 0 20
Chevron Corp com Com 166764100 381 2,633 SH   DFND 0 2,633 0 0
Chipotle Mexican Grill Inc. Com 169656105 861 659 SH   SOLE 0 659 0 0
Chipotle Mexican Grill Inc. Com 169656105 25 19 SH   DFND 0 19 0 0
Cisco Systems, Inc. Com 17275R102 1,867 43,775 SH   SOLE 0 43,700 0 75
Cisco Systems, Inc. Com 17275R102 204 4,787 SH   DFND 0 4,787 0 0
Citrix Systems Inc Com 177376100 278 2,864 SH   SOLE 0 2,864 0 0
Citrix Systems Inc Com 177376100 32 325 SH   DFND 0 325 0 0
Coca Cola Com 191216100 3,155 50,146 SH   SOLE 0 50,146 0 0
Coca Cola Com 191216100 803 12,759 SH   DFND 0 12,759 0 0
Cognizant Tech Solutions-A Com 192446102 734 10,881 SH   SOLE 0 10,881 0 0
Cognizant Tech Solutions-A Com 192446102 24 355 SH   DFND 0 355 0 0
ComCast Corporation Cl A Com 20030N101 2,046 52,136 SH   SOLE 0 52,066 0 70
ComCast Corporation Cl A Com 20030N101 137 3,499 SH   DFND 0 3,499 0 0
ConocoPhillips Com 20825C104 138 1,533 SH   SOLE 0 1,533 0 0
ConocoPhillips Com 20825C104 201 2,241 SH   DFND 0 2,241 0 0
Consolidated Edison Inc. Com 209115104 932 9,805 SH   SOLE 0 9,805 0 0
Consolidated Edison Inc. Com 209115104 376 3,955 SH   DFND 0 3,955 0 0
Corecare Sys Inc Com 218908101 0 10,000 SH   SOLE 0 10,000 0 0
Costco Wholesale Corporation Com 22160K105 740 1,543 SH   SOLE 0 1,538 0 5
Costco Wholesale Corporation Com 22160K105 8 17 SH   DFND 0 17 0 0
Cummins, Inc. Com 231021106 654 3,379 SH   SOLE 0 3,379 0 0
Cummins, Inc. Com 231021106 9 45 SH   DFND 0 45 0 0
Danaher Corp. Com Com 235851102 492 1,940 SH   SOLE 0 1,940 0 0
Darden Restaurants Inc. Com 237194105 1,087 9,608 SH   SOLE 0 9,608 0 0
Darden Restaurants Inc. Com 237194105 50 439 SH   DFND 0 439 0 0
Deere & Co. Com 244199105 1,425 4,760 SH   SOLE 0 4,760 0 0
Deere & Co. Com 244199105 170 567 SH   DFND 0 567 0 0
The Walt Disney Company Com 254687106 1,923 20,370 SH   SOLE 0 20,370 0 0
The Walt Disney Company Com 254687106 120 1,268 SH   DFND 0 1,268 0 0
Dominion Energy Inc. Com 25746U109 883 11,060 SH   SOLE 0 11,060 0 0
Dominion Energy Inc. Com 25746U109 109 1,360 SH   DFND 0 1,360 0 0
Dow Inc Com 260557103 689 13,342 SH   SOLE 0 13,342 0 0
Dow Inc Com 260557103 67 1,291 SH   DFND 0 1,291 0 0
Duke Energy Corp Com 26441C204 2,499 23,305 SH   SOLE 0 23,305 0 0
Duke Energy Corp Com 26441C204 230 2,148 SH   DFND 0 2,148 0 0
Dupont De Nemours Inc Com 26614N102 1,615 29,058 SH   SOLE 0 29,028 0 30
Dupont De Nemours Inc Com 26614N102 99 1,789 SH   DFND 0 1,789 0 0
Emerson Electric Co Com 291011104 1,376 17,295 SH   SOLE 0 17,295 0 0
Emerson Electric Co Com 291011104 40 499 SH   DFND 0 499 0 0
Entergy Corp. Com 29364G103 649 5,761 SH   SOLE 0 5,761 0 0
Entergy Corp. Com 29364G103 101 900 SH   DFND 0 900 0 0
Exelon Corp. Com 30161N101 645 14,242 SH   SOLE 0 14,202 0 40
Exelon Corp. Com 30161N101 80 1,770 SH   DFND 0 1,770 0 0
Exxon Mobil Corporation Com 30231G102 1,194 13,945 SH   SOLE 0 13,945 0 0
Exxon Mobil Corporation Com 30231G102 192 2,240 SH   DFND 0 2,240 0 0
Meta Platforms Inc Com 30303M102 1,762 10,925 SH   SOLE 0 10,925 0 0
Meta Platforms Inc Com 30303M102 81 500 SH   DFND 0 500 0 0
Fedex Corp. Com 31428X106 353 1,555 SH   SOLE 0 1,555 0 0
General Electric Co Com 369604301 766 12,024 SH   SOLE 0 12,024 0 0
General Electric Co Com 369604301 107 1,688 SH   DFND 0 1,688 0 0
Gilead Sciences, Inc. Com 375558103 588 9,510 SH   SOLE 0 9,510 0 0
Gilead Sciences, Inc. Com 375558103 19 300 SH   DFND 0 300 0 0
GSK PLC Com 37733W105 377 8,650 SH   DFND 0 8,650 0 0
Global X US Preferred ETF Pfd Stk 37954Y657 2,435 114,824 SH   SOLE 0 114,824 0 0
Global X US Preferred ETF Pfd Stk 37954Y657 89 4,213 SH   DFND 0 4,213 0 0
Goldman Sachs Group Inc. Com 38141G104 1,550 5,220 SH   SOLE 0 5,220 0 0
Goldman Sachs Group Inc. Com 38141G104 49 166 SH   DFND 0 166 0 0
Goldman Sachs Active Beta ETF Com 381430503 746 9,954 SH   SOLE 0 9,954 0 0
Goldman Sachs Active Beta ETF Com 381430503 196 2,620 SH   DFND 0 2,620 0 0
HP Inc. Com 40434L105 255 7,790 SH   SOLE 0 7,790 0 0
HP Inc. Com 40434L105 43 1,325 SH   DFND 0 1,325 0 0
Home Depot, Inc. Com 437076102 2,779 10,133 SH   SOLE 0 10,123 0 10
Home Depot, Inc. Com 437076102 413 1,505 SH   DFND 0 1,505 0 0
Honeywell International Inc. Com 438516106 912 5,249 SH   SOLE 0 5,239 0 10
Honeywell International Inc. Com 438516106 236 1,360 SH   DFND 0 1,360 0 0
Humana Inc Com 444859102 532 1,137 SH   SOLE 0 1,137 0 0
Independent Bank Corp Mass Com 453836108 493 6,210 SH   SOLE 0 6,210 0 0
Independent Bank Corp Mass Com 453836108 217 2,735 SH   DFND 0 2,735 0 0
Intel Corp Com 458140100 2,952 78,898 SH   SOLE 0 78,898 0 0
Intel Corp Com 458140100 279 7,445 SH   DFND 0 7,445 0 0
International Business Machines Com 459200101 2,074 14,690 SH   SOLE 0 14,690 0 0
International Business Machines Com 459200101 397 2,812 SH   DFND 0 2,812 0 0
International Paper Com 460146103 375 8,974 SH   SOLE 0 8,974 0 0
International Paper Com 460146103 80 1,917 SH   DFND 0 1,917 0 0
Intuit Inc Com 461202103 715 1,855 SH   SOLE 0 1,855 0 0
Invesco II Pfd-ETF Pfd Stk 46138E511 8,303 672,876 SH   SOLE 0 672,276 0 600
Invesco II Pfd-ETF Pfd Stk 46138E511 646 52,348 SH   DFND 0 52,348 0 0
Iron Mountain Inc. Com 46284V101 491 10,078 SH   DFND 0 10,078 0 0
IShares MSCI Emerging Mkts Min Vol Factor ETF Com 464286533 1,591 28,704 SH   SOLE 0 28,704 0 0
IShares MSCI Emerging Mkts Min Vol Factor ETF Com 464286533 10 189 SH   DFND 0 189 0 0
iShares S&P 500 Index - ETF Com 464287200 562 1,483 SH   SOLE 0 1,483 0 0
Ishares Core U.S. Aggregate-ETF Com 464287226 6,004 59,047 SH   SOLE 0 59,047 0 0
Ishares Core U.S. Aggregate-ETF Com 464287226 219 2,155 SH   DFND 0 2,155 0 0
iShares MSCI EAFE Index - ETF Com 464287465 185 2,960 SH   SOLE 0 2,960 0 0
iShares MSCI EAFE Index - ETF Com 464287465 45 713 SH   DFND 0 713 0 0
IShares Tr Short-Term Corp Bd-ETF Com 464288646 2,061 40,766 SH   SOLE 0 40,766 0 0
IShares Tr Short-Term Corp Bd-ETF Com 464288646 232 4,590 SH   DFND 0 4,590 0 0
Ishares MSCI International Quality-ETF Com 46434V456 2,912 94,152 SH   SOLE 0 94,152 0 0
Ishares MSCI International Quality-ETF Com 46434V456 74 2,402 SH   DFND 0 2,402 0 0
JPMorgan Chase & Company Com 46625H100 6,508 57,788 SH   SOLE 0 57,763 0 25
JPMorgan Chase & Company Com 46625H100 699 6,203 SH   DFND 0 6,203 0 0
Johnson & Johnson Com 478160104 5,149 29,009 SH   SOLE 0 29,009 0 0
Johnson & Johnson Com 478160104 563 3,174 SH   DFND 0 3,174 0 0
Kimberly-Clark Corp Com 494368103 816 6,038 SH   SOLE 0 6,038 0 0
Kimberly-Clark Corp Com 494368103 162 1,200 SH   DFND 0 1,200 0 0
Lilly, Eli & Co Com 532457108 2,680 8,265 SH   SOLE 0 8,265 0 0
Lilly, Eli & Co Com 532457108 298 920 SH   DFND 0 920 0 0
Lockheed Martin Corporation Com 539830109 1,971 4,585 SH   SOLE 0 4,585 0 0
Lockheed Martin Corporation Com 539830109 168 391 SH   DFND 0 391 0 0
Lowe's Companies, Inc. Com 548661107 3,627 20,763 SH   SOLE 0 20,743 0 20
Lowe's Companies, Inc. Com 548661107 203 1,160 SH   DFND 0 1,160 0 0
McDonald's Corp. Com 580135101 4,115 16,669 SH   SOLE 0 16,669 0 0
McDonald's Corp. Com 580135101 425 1,723 SH   DFND 0 1,723 0 0
Merck & Co. Inc. Com 58933Y105 3,781 41,474 SH   SOLE 0 41,474 0 0
Merck & Co. Inc. Com 58933Y105 401 4,403 SH   DFND 0 4,403 0 0
MetLife Inc. Com Com 59156R108 772 12,302 SH   SOLE 0 12,302 0 0
MetLife Inc. Com Com 59156R108 7 107 SH   DFND 0 107 0 0
Microsoft Corp Com 594918104 13,926 54,222 SH   SOLE 0 54,197 0 25
Microsoft Corp Com 594918104 1,088 4,238 SH   DFND 0 4,238 0 0
Microchip Technology Inc. Com 595017104 799 13,753 SH   SOLE 0 13,753 0 0
Microchip Technology Inc. Com 595017104 118 2,025 SH   DFND 0 2,025 0 0
National Grid Plc-SP ADR Com 636274409 602 9,310 SH   SOLE 0 9,310 0 0
National Grid Plc-SP ADR Com 636274409 84 1,297 SH   DFND 0 1,297 0 0
NextEra Energy Inc. Com 65339F101 3,310 42,726 SH   SOLE 0 42,701 0 25
NextEra Energy Inc. Com 65339F101 293 3,788 SH   DFND 0 3,788 0 0
Nike Inc. Class B Com 654106103 2,221 21,732 SH   SOLE 0 21,707 0 25
Nike Inc. Class B Com 654106103 106 1,040 SH   DFND 0 1,040 0 0
Novartis AG Sponsored ADR Com 66987V109 209 2,468 SH   SOLE 0 2,468 0 0
Novartis AG Sponsored ADR Com 66987V109 30 352 SH   DFND 0 352 0 0
Nucor Corporation Com 670346105 351 3,365 SH   SOLE 0 3,365 0 0
Nucor Corporation Com 670346105 41 395 SH   DFND 0 395 0 0
Nvidia Corporation Com 67066G104 2,340 15,435 SH   SOLE 0 15,415 0 20
Nvidia Corporation Com 67066G104 119 788 SH   DFND 0 788 0 0
Oracle Corp. Com 68389X105 299 4,274 SH   SOLE 0 4,274 0 0
Oracle Corp. Com 68389X105 42 602 SH   DFND 0 602 0 0
PPL Corporation Com 69351T106 366 13,475 SH   SOLE 0 13,475 0 0
PPL Corporation Com 69351T106 23 850 SH   DFND 0 850 0 0
Pepsico Inc Com 713448108 1,956 11,735 SH   SOLE 0 11,735 0 0
Pepsico Inc Com 713448108 311 1,865 SH   DFND 0 1,865 0 0
Pfizer, Inc Com 717081103 3,127 59,635 SH   SOLE 0 59,635 0 0
Pfizer, Inc Com 717081103 568 10,835 SH   DFND 0 10,835 0 0
Philip Morris Intl Inc. Com 718172109 730 7,390 SH   SOLE 0 7,390 0 0
Philip Morris Intl Inc. Com 718172109 37 370 SH   DFND 0 370 0 0
Phillips 66 Com 718546104 47 574 SH   SOLE 0 574 0 0
Phillips 66 Com 718546104 160 1,952 SH   DFND 0 1,952 0 0
T Rowe Price Group Inc Com 74144T108 675 5,937 SH   SOLE 0 5,937 0 0
T Rowe Price Group Inc Com 74144T108 34 298 SH   DFND 0 298 0 0
Principal Financial Group Inc. Com 74251V102 679 10,168 SH   SOLE 0 10,168 0 0
Principal Financial Group Inc. Com 74251V102 61 907 SH   DFND 0 907 0 0
Procter & Gamble Co Com 742718109 4,929 34,276 SH   SOLE 0 34,276 0 0
Procter & Gamble Co Com 742718109 517 3,597 SH   DFND 0 3,597 0 0
Prudential Financial Inc. Com 744320102 654 6,835 SH   SOLE 0 6,810 0 25
Prudential Financial Inc. Com 744320102 22 235 SH   DFND 0 235 0 0
Public Storage Com 74460D109 1,568 5,014 SH   SOLE 0 5,014 0 0
Public Storage Com 74460D109 25 80 SH   DFND 0 80 0 0
Qualcomm Inc Com 747525103 4,789 37,489 SH   SOLE 0 37,489 0 0
Qualcomm Inc Com 747525103 297 2,322 SH   DFND 0 2,322 0 0
Raytheon Technologies Corp Com 75513E101 2,339 24,335 SH   SOLE 0 24,325 0 10
Raytheon Technologies Corp Com 75513E101 172 1,791 SH   DFND 0 1,791 0 0
Regeneron Pharmaceuticals Com 75886F107 1,440 2,436 SH   SOLE 0 2,436 0 0
Regeneron Pharmaceuticals Com 75886F107 33 56 SH   DFND 0 56 0 0
S&P Global Com 78409V104 79 235 SH   SOLE 0 235 0 0
S&P Global Com 78409V104 182 540 SH   DFND 0 540 0 0
MFC SPDR Series Trust S&P 500 Growth - ETF Com 78464A409 659 12,605 SH   SOLE 0 12,605 0 0
MFC SPDR Series Trust S&P 500 Growth - ETF Com 78464A409 182 3,475 SH   DFND 0 3,475 0 0
Salesforce Inc Com 79466L302 3,624 21,958 SH   SOLE 0 21,958 0 0
Salesforce Inc Com 79466L302 154 933 SH   DFND 0 933 0 0
Select Sector SPDR-Materials - ETF Com 81369Y100 296 4,018 SH   SOLE 0 4,018 0 0
Select Sector SPDR-Materials - ETF Com 81369Y100 16 216 SH   DFND 0 216 0 0
Select Sector SPDR-Health Care - ETF Com 81369Y209 1,816 14,163 SH   SOLE 0 14,163 0 0
Select Sector SPDR-Health Care - ETF Com 81369Y209 81 628 SH   DFND 0 628 0 0
Select Sector SPDR-Consumer Staples - ETF Com 81369Y308 735 10,187 SH   SOLE 0 10,187 0 0
Select Sector SPDR-Consumer Staples - ETF Com 81369Y308 36 494 SH   DFND 0 494 0 0
Select Sector SPDR-Cons. Discretionary - ETF Com 81369Y407 1,076 7,824 SH   SOLE 0 7,824 0 0
Select Sector SPDR-Cons. Discretionary - ETF Com 81369Y407 53 387 SH   DFND 0 387 0 0
Select Sector SPDR-Energy - ETF Com 81369Y506 402 5,625 SH   SOLE 0 5,625 0 0
Select Sector SPDR-Energy - ETF Com 81369Y506 19 260 SH   DFND 0 260 0 0
Select Sector SPDR-Financial - ETF Com 81369Y605 1,183 37,630 SH   SOLE 0 37,630 0 0
Select Sector SPDR-Financial - ETF Com 81369Y605 59 1,883 SH   DFND 0 1,883 0 0
Select Sector SPDR-Industrial - ETF Com 81369Y704 902 10,325 SH   SOLE 0 10,325 0 0
Select Sector SPDR-Industrial - ETF Com 81369Y704 44 506 SH   DFND 0 506 0 0
Select Sector SPDR-Technology - ETF Com 81369Y803 3,000 23,596 SH   SOLE 0 23,596 0 0
Select Sector SPDR-Technology - ETF Com 81369Y803 154 1,210 SH   DFND 0 1,210 0 0
Select Sector SPDR- Comm Services-ETF Com 81369Y852 1,019 18,775 SH   SOLE 0 18,775 0 0
Select Sector SPDR- Comm Services-ETF Com 81369Y852 32 590 SH   DFND 0 590 0 0
Select Sector SPDR-Real Estate - ETF Com 81369Y860 343 8,393 SH   SOLE 0 8,393 0 0
Select Sector SPDR-Real Estate - ETF Com 81369Y860 9 232 SH   DFND 0 232 0 0
Service Corp. Intl. Com 817565104 308 4,460 SH   DFND 0 4,460 0 0
Skyworks Solutions, Inc. Com 83088M102 244 2,634 SH   SOLE 0 2,634 0 0
Skyworks Solutions, Inc. Com 83088M102 2 20 SH   DFND 0 20 0 0
Southern Co Com 842587107 826 11,577 SH   SOLE 0 11,577 0 0
Southern Co Com 842587107 31 435 SH   DFND 0 435 0 0
Southern Copper Corporation Com 84265V105 235 4,710 SH   SOLE 0 4,710 0 0
Southern Copper Corporation Com 84265V105 1 20 SH   DFND 0 20 0 0
Starbucks Corporation Com 855244109 768 10,051 SH   SOLE 0 10,051 0 0
Starbucks Corporation Com 855244109 53 688 SH   DFND 0 688 0 0
State Street Corp. Com 857477103 315 5,115 SH   SOLE 0 5,115 0 0
State Street Corp. Com 857477103 6 100 SH   DFND 0 100 0 0
Stryker Corp Com 863667101 1,842 9,259 SH   SOLE 0 9,259 0 0
Stryker Corp Com 863667101 123 619 SH   DFND 0 619 0 0
Sysco Corp Com 871829107 1,416 16,720 SH   SOLE 0 16,720 0 0
Sysco Corp Com 871829107 102 1,200 SH   DFND 0 1,200 0 0
TJX Companies Inc. Com 872540109 1,204 21,551 SH   SOLE 0 21,551 0 0
TJX Companies Inc. Com 872540109 72 1,285 SH   DFND 0 1,285 0 0
Target Corp. Com 87612E106 2,717 19,236 SH   SOLE 0 19,236 0 0
Target Corp. Com 87612E106 269 1,904 SH   DFND 0 1,904 0 0
Thermo Fisher Scientific Inc Com 883556102 372 684 SH   SOLE 0 684 0 0
Thermo Fisher Scientific Inc Com 883556102 8 15 SH   DFND 0 15 0 0
3M Company Com 88579Y101 1,523 11,769 SH   SOLE 0 11,769 0 0
3M Company Com 88579Y101 158 1,222 SH   DFND 0 1,222 0 0
Toronto Dominion Bank Com 891160509 1,623 24,741 SH   SOLE 0 24,741 0 0
Toronto Dominion Bank Com 891160509 264 4,029 SH   DFND 0 4,029 0 0
The Travelers Companies Inc. Com 89417E109 517 3,057 SH   SOLE 0 3,057 0 0
The Travelers Companies Inc. Com 89417E109 34 200 SH   DFND 0 200 0 0
Truist Financial Corp Com 89832Q109 1,045 22,036 SH   SOLE 0 22,036 0 0
Truist Financial Corp Com 89832Q109 415 8,756 SH   DFND 0 8,756 0 0
US Bancorp Del Com Com 902973304 171 3,719 SH   SOLE 0 3,719 0 0
US Bancorp Del Com Com 902973304 153 3,335 SH   DFND 0 3,335 0 0
Unilever PLC Sponsored ADR New Com 904767704 138 3,005 SH   SOLE 0 3,005 0 0
Unilever PLC Sponsored ADR New Com 904767704 84 1,830 SH   DFND 0 1,830 0 0
Union Pacific Corp Com 907818108 2,036 9,548 SH   SOLE 0 9,548 0 0
Union Pacific Corp Com 907818108 72 338 SH   DFND 0 338 0 0
United Parcel Service Com 911312106 3,319 18,181 SH   SOLE 0 18,176 0 5
United Parcel Service Com 911312106 308 1,689 SH   DFND 0 1,689 0 0
UnitedHealth Group Inc. Com 91324P102 4,413 8,591 SH   SOLE 0 8,586 0 5
UnitedHealth Group Inc. Com 91324P102 184 358 SH   DFND 0 358 0 0
MFC Vaneck ETF TR Com 92189F429 1,603 88,576 SH   SOLE 0 88,576 0 0
MFC Vaneck ETF TR Com 92189F429 223 12,326 SH   DFND 0 12,326 0 0
Vanguard Mega Cap Value ETF Com 921910840 629 6,535 SH   SOLE 0 6,535 0 0
Vanguard Mega Cap Value ETF Com 921910840 169 1,760 SH   DFND 0 1,760 0 0
Vanguard Russell 2000 ETF Com 92206C664 303 4,431 SH   SOLE 0 4,431 0 0
Vanguard Russell 2000 ETF Com 92206C664 5 71 SH   DFND 0 71 0 0
Vanguard Real Estate-ETF Com 922908553 6,963 76,419 SH   SOLE 0 76,419 0 0
Vanguard Real Estate-ETF Com 922908553 378 4,147 SH   DFND 0 4,147 0 0
Vanguard Index Mid-Cap ETF Com 922908629 404 2,049 SH   SOLE 0 2,049 0 0
Vanguard Index Mid-Cap ETF Com 922908629 7 37 SH   DFND 0 37 0 0
Verizon Communications Inc. Com 92343V104 4,639 91,402 SH   SOLE 0 91,352 0 50
Verizon Communications Inc. Com 92343V104 564 11,110 SH   DFND 0 11,110 0 0
Visa, Inc. Com 92826C839 2,924 14,853 SH   SOLE 0 14,853 0 0
Visa, Inc. Com 92826C839 141 717 SH   DFND 0 717 0 0
Wal-Mart Stores Inc Com 931142103 3,942 32,422 SH   SOLE 0 32,422 0 0
Wal-Mart Stores Inc Com 931142103 429 3,527 SH   DFND 0 3,527 0 0
Walgreens Boots Alliance Inc. Com 931427108 222 5,860 SH   SOLE 0 5,860 0 0
Walgreens Boots Alliance Inc. Com 931427108 1 25 SH   DFND 0 25 0 0
Williams-Sonoma, Inc. Com 969904101 244 2,200 SH   SOLE 0 2,200 0 0
Williams-Sonoma, Inc. Com 969904101 7 60 SH   DFND 0 60 0 0
WisdomTree U.S. Midcap Dividend Fund-ETF Com 97717W505 707 18,128 SH   SOLE 0 18,128 0 0
WisdomTree U.S. Midcap Dividend Fund-ETF Com 97717W505 19 488 SH   DFND 0 488 0 0
WisdomTree U.S. Small Cap Dividend Fund ETF Com 97717W604 502 17,783 SH   SOLE 0 17,783 0 0
WisdomTree U.S. Small Cap Dividend Fund ETF Com 97717W604 15 517 SH   DFND 0 517 0 0
Wisdomtree International Equity Fund ETF Com 97717W703 1,354 29,796 SH   SOLE 0 29,796 0 0
Wisdomtree International Equity Fund ETF Com 97717W703 26 582 SH   DFND 0 582 0 0
Accenture PLC Cl A Com G1151C101 769 2,771 SH   SOLE 0 2,771 0 0
Accenture PLC Cl A Com G1151C101 31 113 SH   DFND 0 113 0 0
Eaton Corp PLC Com G29183103 1,372 10,893 SH   SOLE 0 10,883 0 10
Eaton Corp PLC Com G29183103 480 3,810 SH   DFND 0 3,810 0 0
Linde PLC Com G5494J103 1,498 5,209 SH   SOLE 0 5,209 0 0
Linde PLC Com G5494J103 47 165 SH   DFND 0 165 0 0
Medtronic Hldg Ltd Com G5960L103 2,883 32,128 SH   SOLE 0 32,128 0 0
Medtronic Hldg Ltd Com G5960L103 120 1,333 SH   DFND 0 1,333 0 0
Chubb Ltd Com H1467J104 3,071 15,624 SH   SOLE 0 15,624 0 0
Chubb Ltd Com H1467J104 191 971 SH   DFND 0 971 0 0
Check Point Software Com M22465104 288 2,365 SH   SOLE 0 2,365 0 0
Check Point Software Com M22465104 19 160 SH   DFND 0 160 0 0