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 1,798 117,220 SH   SOLE 0 117,155 0 65
AT&T Inc. Com Com 00206R102 277 18,063 SH   DFND 0 18,063 0 0
Abbott Laboratories Com 002824100 2,417 24,984 SH   SOLE 0 24,949 0 35
Abbott Laboratories Com 002824100 180 1,858 SH   DFND 0 1,858 0 0
AbbVie Inc Com 00287Y109 3,439 25,621 SH   SOLE 0 25,621 0 0
AbbVie Inc Com 00287Y109 521 3,880 SH   DFND 0 3,880 0 0
Activision Blizzard Inc Com 00507V109 1,043 14,028 SH   SOLE 0 14,028 0 0
Activision Blizzard Inc Com 00507V109 22 302 SH   DFND 0 302 0 0
Adobe Systems Inc. Com 00724F101 2,038 7,406 SH   SOLE 0 7,406 0 0
Adobe Systems Inc. Com 00724F101 90 327 SH   DFND 0 327 0 0
Air Products & Chemicals Com 009158106 415 1,783 SH   SOLE 0 1,783 0 0
Air Products & Chemicals Com 009158106 3 15 SH   DFND 0 15 0 0
Alphabet Inc Cl C Com 02079K107 1,338 13,920 SH   SOLE 0 13,920 0 0
Alphabet Inc Cl C Com 02079K107 112 1,160 SH   DFND 0 1,160 0 0
Alphabet Inc. Cl A Com 02079K305 6,205 64,871 SH   SOLE 0 64,871 0 0
Alphabet Inc. Cl A Com 02079K305 259 2,706 SH   DFND 0 2,706 0 0
Altria Group Inc. Com 02209S103 652 16,140 SH   SOLE 0 16,140 0 0
Altria Group Inc. Com 02209S103 90 2,230 SH   DFND 0 2,230 0 0
Amazon.Com, Inc. Com 023135106 6,302 55,770 SH   SOLE 0 55,720 0 50
Amazon.Com, Inc. Com 023135106 368 3,254 SH   DFND 0 3,254 0 0
American Express Co Com 025816109 993 7,360 SH   SOLE 0 7,360 0 0
American Express Co Com 025816109 276 2,045 SH   DFND 0 2,045 0 0
American Tower Corporation REIT Com 03027X100 399 1,860 SH   SOLE 0 1,860 0 0
American Tower Corporation REIT Com 03027X100 10 45 SH   DFND 0 45 0 0
Ameriprise Financial, Inc. Com 03076C106 644 2,555 SH   SOLE 0 2,555 0 0
Ameriprise Financial, Inc. Com 03076C106 1 5 SH   DFND 0 5 0 0
Amgen Inc. Com 031162100 935 4,146 SH   SOLE 0 4,146 0 0
Amgen Inc. Com 031162100 61 270 SH   DFND 0 270 0 0
Analog Devices Inc. Com 032654105 322 2,309 SH   SOLE 0 2,309 0 0
Analog Devices Inc. Com 032654105 19 138 SH   DFND 0 138 0 0
Apple, Inc. Com 037833100 16,175 117,039 SH   SOLE 0 116,994 0 45
Apple, Inc. Com 037833100 1,407 10,178 SH   DFND 0 10,178 0 0
Applied Materials Inc. Com 038222105 3,702 45,191 SH   SOLE 0 45,156 0 35
Applied Materials Inc. Com 038222105 109 1,334 SH   DFND 0 1,334 0 0
Automatic Data Processing Com 053015103 1,114 4,924 SH   SOLE 0 4,924 0 0
Automatic Data Processing Com 053015103 157 695 SH   DFND 0 695 0 0
Bank Of America Corporation Com 060505104 2,221 73,528 SH   SOLE 0 73,528 0 0
Bank Of America Corporation Com 060505104 118 3,896 SH   DFND 0 3,896 0 0
Baxter International, Inc. Com 071813109 226 4,190 SH   SOLE 0 4,190 0 0
Baxter International, Inc. Com 071813109 18 333 SH   DFND 0 333 0 0
Berkshire Hathaway, Inc. Cl A Com 084670108 813 2 SH   SOLE 0 2 0 0
Berkshire Hathaway Inc Cl B Com 084670702 1,037 3,885 SH   SOLE 0 3,875 0 10
Berkshire Hathaway Inc Cl B Com 084670702 64 239 SH   DFND 0 239 0 0
Berkshire Hills Bancorp Inc Com 084680107 240 8,794 SH   SOLE 0 8,794 0 0
Blackrock Inc Com 09247X101 695 1,263 SH   SOLE 0 1,263 0 0
Blackrock Inc Com 09247X101 47 85 SH   DFND 0 85 0 0
Bristol Myers Squibb Co. Com 110122108 2,240 31,509 SH   SOLE 0 31,459 0 50
Bristol Myers Squibb Co. Com 110122108 333 4,691 SH   DFND 0 4,691 0 0
Cigna Corp Com 125523100 298 1,075 SH   SOLE 0 1,075 0 0
CVS Health Corp Com 126650100 3,265 34,232 SH   SOLE 0 34,187 0 45
CVS Health Corp Com 126650100 190 1,989 SH   DFND 0 1,989 0 0
Campbell Soup Co Com 134429109 246 5,215 SH   SOLE 0 5,215 0 0
Campbell Soup Co Com 134429109 39 825 SH   DFND 0 825 0 0
Capital One Financial Corp. Com 14040H105 707 7,666 SH   SOLE 0 7,666 0 0
Capital One Financial Corp. Com 14040H105 8 92 SH   DFND 0 92 0 0
Caterpillar Inc. Com 149123101 2,288 13,946 SH   SOLE 0 13,946 0 0
Caterpillar Inc. Com 149123101 75 459 SH   DFND 0 459 0 0
Chevron Corp com Com 166764100 5,186 36,100 SH   SOLE 0 36,080 0 20
Chevron Corp com Com 166764100 386 2,684 SH   DFND 0 2,684 0 0
Chipotle Mexican Grill Inc. Com 169656105 673 448 SH   SOLE 0 448 0 0
Chipotle Mexican Grill Inc. Com 169656105 17 11 SH   DFND 0 11 0 0
Cisco Systems, Inc. Com 17275R102 1,722 43,044 SH   SOLE 0 42,969 0 75
Cisco Systems, Inc. Com 17275R102 179 4,472 SH   DFND 0 4,472 0 0
Citrix Systems Inc Com 177376100 291 2,799 SH   SOLE 0 2,799 0 0
Citrix Systems Inc Com 177376100 10 100 SH   DFND 0 100 0 0
Coca Cola Com 191216100 2,765 49,357 SH   SOLE 0 49,357 0 0
Coca Cola Com 191216100 690 12,318 SH   DFND 0 12,318 0 0
Cognizant Tech Solutions-A Com 192446102 601 10,457 SH   SOLE 0 10,457 0 0
Cognizant Tech Solutions-A Com 192446102 24 412 SH   DFND 0 412 0 0
ComCast Corporation Cl A Com 20030N101 1,530 52,171 SH   SOLE 0 52,101 0 70
ComCast Corporation Cl A Com 20030N101 77 2,612 SH   DFND 0 2,612 0 0
ConocoPhillips Com 20825C104 157 1,533 SH   SOLE 0 1,533 0 0
ConocoPhillips Com 20825C104 229 2,241 SH   DFND 0 2,241 0 0
Consolidated Edison Inc. Com 209115104 831 9,695 SH   SOLE 0 9,695 0 0
Consolidated Edison Inc. Com 209115104 339 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 726 1,538 SH   SOLE 0 1,533 0 5
Costco Wholesale Corporation Com 22160K105 8 17 SH   DFND 0 17 0 0
Cummins, Inc. Com 231021106 409 2,011 SH   SOLE 0 2,011 0 0
Cummins, Inc. Com 231021106 9 45 SH   DFND 0 45 0 0
Danaher Corp. Com Com 235851102 458 1,775 SH   SOLE 0 1,775 0 0
Darden Restaurants Inc. Com 237194105 1,174 9,292 SH   SOLE 0 9,292 0 0
Darden Restaurants Inc. Com 237194105 37 290 SH   DFND 0 290 0 0
Deere & Co. Com 244199105 1,671 5,006 SH   SOLE 0 4,991 0 15
Deere & Co. Com 244199105 186 556 SH   DFND 0 556 0 0
The Walt Disney Company Com 254687106 2,020 21,414 SH   SOLE 0 21,414 0 0
The Walt Disney Company Com 254687106 118 1,253 SH   DFND 0 1,253 0 0
Dominion Energy Inc. Com 25746U109 749 10,840 SH   SOLE 0 10,840 0 0
Dominion Energy Inc. Com 25746U109 89 1,285 SH   DFND 0 1,285 0 0
Dow Inc Com 260557103 589 13,410 SH   SOLE 0 13,410 0 0
Dow Inc Com 260557103 57 1,291 SH   DFND 0 1,291 0 0
Duke Energy Corp Com 26441C204 2,124 22,831 SH   SOLE 0 22,831 0 0
Duke Energy Corp Com 26441C204 176 1,895 SH   DFND 0 1,895 0 0
Dupont De Nemours Inc Com 26614N102 1,190 23,621 SH   SOLE 0 23,591 0 30
Dupont De Nemours Inc Com 26614N102 74 1,473 SH   DFND 0 1,473 0 0
Emerson Electric Co Com 291011104 1,334 18,216 SH   SOLE 0 18,216 0 0
Emerson Electric Co Com 291011104 30 407 SH   DFND 0 407 0 0
Entergy Corp. Com 29364G103 580 5,761 SH   SOLE 0 5,761 0 0
Entergy Corp. Com 29364G103 91 900 SH   DFND 0 900 0 0
Exelon Corp. Com 30161N101 532 14,203 SH   SOLE 0 14,163 0 40
Exelon Corp. Com 30161N101 64 1,720 SH   DFND 0 1,720 0 0
Exxon Mobil Corporation Com 30231G102 1,238 14,185 SH   SOLE 0 14,185 0 0
Exxon Mobil Corporation Com 30231G102 196 2,240 SH   DFND 0 2,240 0 0
Meta Platforms Inc Com 30303M102 968 7,137 SH   SOLE 0 7,137 0 0
Meta Platforms Inc Com 30303M102 17 128 SH   DFND 0 128 0 0
Fedex Corp. Com 31428X106 236 1,590 SH   SOLE 0 1,590 0 0
General Electric Co Com 369604301 744 12,024 SH   SOLE 0 12,024 0 0
General Electric Co Com 369604301 104 1,673 SH   DFND 0 1,673 0 0
Gilead Sciences, Inc. Com 375558103 581 9,410 SH   SOLE 0 9,410 0 0
Gilead Sciences, Inc. Com 375558103 19 300 SH   DFND 0 300 0 0
GSK PLC SPON ADR Com 37733W204 204 6,920 SH   DFND 0 6,920 0 0
Global X US Preferred ETF Pfd Stk 37954Y657 2,225 108,507 SH   SOLE 0 108,507 0 0
Global X US Preferred ETF Pfd Stk 37954Y657 55 2,669 SH   DFND 0 2,669 0 0
Goldman Sachs Group Inc. Com 38141G104 1,577 5,382 SH   SOLE 0 5,382 0 0
Goldman Sachs Group Inc. Com 38141G104 34 115 SH   DFND 0 115 0 0
Goldman Sachs Active Beta ETF Com 381430503 707 9,959 SH   SOLE 0 9,959 0 0
Goldman Sachs Active Beta ETF Com 381430503 98 1,380 SH   DFND 0 1,380 0 0
HP Inc. Com 40434L105 194 7,790 SH   SOLE 0 7,790 0 0
HP Inc. Com 40434L105 33 1,325 SH   DFND 0 1,325 0 0
Home Depot, Inc. Com 437076102 2,682 9,719 SH   SOLE 0 9,709 0 10
Home Depot, Inc. Com 437076102 386 1,400 SH   DFND 0 1,400 0 0
Honeywell International Inc. Com 438516106 794 4,757 SH   SOLE 0 4,747 0 10
Honeywell International Inc. Com 438516106 227 1,360 SH   DFND 0 1,360 0 0
Humana Inc Com 444859102 287 591 SH   SOLE 0 591 0 0
Independent Bank Corp Mass Com 453836108 463 6,210 SH   SOLE 0 6,210 0 0
Independent Bank Corp Mass Com 453836108 204 2,735 SH   DFND 0 2,735 0 0
Intel Corp Com 458140100 2,211 85,790 SH   SOLE 0 85,790 0 0
Intel Corp Com 458140100 188 7,305 SH   DFND 0 7,305 0 0
International Business Machines Com 459200101 1,779 14,970 SH   SOLE 0 14,970 0 0
International Business Machines Com 459200101 319 2,685 SH   DFND 0 2,685 0 0
International Paper Com 460146103 274 8,634 SH   SOLE 0 8,634 0 0
International Paper Com 460146103 48 1,523 SH   DFND 0 1,523 0 0
Intuit Inc Com 461202103 606 1,565 SH   SOLE 0 1,565 0 0
Invesco II Pfd-ETF Pfd Stk 46138E511 7,607 640,346 SH   SOLE 0 639,746 0 600
Invesco II Pfd-ETF Pfd Stk 46138E511 595 50,092 SH   DFND 0 50,092 0 0
Iron Mountain Inc. Com 46284V101 443 10,078 SH   DFND 0 10,078 0 0
IShares MSCI Emerging Mkts Min Vol Factor ETF Com 464286533 1,467 28,940 SH   SOLE 0 28,940 0 0
IShares MSCI Emerging Mkts Min Vol Factor ETF Com 464286533 5 97 SH   DFND 0 97 0 0
iShares S&P 500 Index - ETF Com 464287200 516 1,439 SH   SOLE 0 1,439 0 0
Ishares Core U.S. Aggregate-ETF Com 464287226 5,463 56,704 SH   SOLE 0 56,704 0 0
Ishares Core U.S. Aggregate-ETF Com 464287226 167 1,735 SH   DFND 0 1,735 0 0
IShares Tr Short-Term Corp Bd-ETF Com 464288646 342 6,942 SH   SOLE 0 6,942 0 0
IShares Tr Short-Term Corp Bd-ETF Com 464288646 124 2,515 SH   DFND 0 2,515 0 0
Ishares MSCI International Quality-ETF Com 46434V456 2,613 94,068 SH   SOLE 0 94,068 0 0
Ishares MSCI International Quality-ETF Com 46434V456 35 1,260 SH   DFND 0 1,260 0 0
JPMorgan Chase & Company Com 46625H100 5,938 56,820 SH   SOLE 0 56,775 0 45
JPMorgan Chase & Company Com 46625H100 617 5,904 SH   DFND 0 5,904 0 0
Johnson & Johnson Com 478160104 4,648 28,451 SH   SOLE 0 28,451 0 0
Johnson & Johnson Com 478160104 477 2,921 SH   DFND 0 2,921 0 0
Kimberly-Clark Corp Com 494368103 663 5,893 SH   SOLE 0 5,893 0 0
Kimberly-Clark Corp Com 494368103 135 1,200 SH   DFND 0 1,200 0 0
Lilly, Eli & Co Com 532457108 2,700 8,351 SH   SOLE 0 8,351 0 0
Lilly, Eli & Co Com 532457108 278 860 SH   DFND 0 860 0 0
Lockheed Martin Corporation Com 539830109 1,761 4,559 SH   SOLE 0 4,559 0 0
Lockheed Martin Corporation Com 539830109 137 354 SH   DFND 0 354 0 0
Lowe's Companies, Inc. Com 548661107 3,744 19,935 SH   SOLE 0 19,915 0 20
Lowe's Companies, Inc. Com 548661107 208 1,106 SH   DFND 0 1,106 0 0
McDonald's Corp. Com 580135101 3,882 16,823 SH   SOLE 0 16,823 0 0
McDonald's Corp. Com 580135101 378 1,638 SH   DFND 0 1,638 0 0
Merck & Co. Inc. Com 58933Y105 3,594 41,734 SH   SOLE 0 41,734 0 0
Merck & Co. Inc. Com 58933Y105 346 4,019 SH   DFND 0 4,019 0 0
MetLife Inc. Com Com 59156R108 734 12,077 SH   SOLE 0 12,077 0 0
MetLife Inc. Com Com 59156R108 7 107 SH   DFND 0 107 0 0
Microsoft Corp Com 594918104 12,552 53,894 SH   SOLE 0 53,869 0 25
Microsoft Corp Com 594918104 927 3,979 SH   DFND 0 3,979 0 0
Microchip Technology Inc. Com 595017104 833 13,654 SH   SOLE 0 13,654 0 0
Microchip Technology Inc. Com 595017104 113 1,850 SH   DFND 0 1,850 0 0
National Grid Plc-SP ADR Com 636274409 479 9,300 SH   SOLE 0 9,300 0 0
National Grid Plc-SP ADR Com 636274409 67 1,297 SH   DFND 0 1,297 0 0
NextEra Energy Inc. Com 65339F101 3,139 40,035 SH   SOLE 0 40,010 0 25
NextEra Energy Inc. Com 65339F101 243 3,102 SH   DFND 0 3,102 0 0
Nike Inc. Class B Com 654106103 1,813 21,808 SH   SOLE 0 21,783 0 25
Nike Inc. Class B Com 654106103 85 1,020 SH   DFND 0 1,020 0 0
Nucor Corporation Com 670346105 346 3,230 SH   SOLE 0 3,230 0 0
Nucor Corporation Com 670346105 42 395 SH   DFND 0 395 0 0
Nvidia Corporation Com 67066G104 2,294 18,897 SH   SOLE 0 18,877 0 20
Nvidia Corporation Com 67066G104 101 828 SH   DFND 0 828 0 0
Oracle Corp. Com 68389X105 257 4,204 SH   SOLE 0 4,204 0 0
Oracle Corp. Com 68389X105 32 516 SH   DFND 0 516 0 0
PPL Corporation Com 69351T106 340 13,405 SH   SOLE 0 13,405 0 0
PPL Corporation Com 69351T106 22 850 SH   DFND 0 850 0 0
Pepsico Inc Com 713448108 1,889 11,572 SH   SOLE 0 11,572 0 0
Pepsico Inc Com 713448108 295 1,808 SH   DFND 0 1,808 0 0
Pfizer, Inc Com 717081103 2,581 58,985 SH   SOLE 0 58,985 0 0
Pfizer, Inc Com 717081103 474 10,835 SH   DFND 0 10,835 0 0
Philip Morris Intl Inc. Com 718172109 603 7,266 SH   SOLE 0 7,266 0 0
Philip Morris Intl Inc. Com 718172109 47 570 SH   DFND 0 570 0 0
Phillips 66 Com 718546104 46 574 SH   SOLE 0 574 0 0
Phillips 66 Com 718546104 158 1,952 SH   DFND 0 1,952 0 0
T Rowe Price Group Inc Com 74144T108 602 5,730 SH   SOLE 0 5,730 0 0
T Rowe Price Group Inc Com 74144T108 19 178 SH   DFND 0 178 0 0
Principal Financial Group Inc. Com 74251V102 736 10,203 SH   SOLE 0 10,203 0 0
Principal Financial Group Inc. Com 74251V102 54 750 SH   DFND 0 750 0 0
Procter & Gamble Co Com 742718109 4,454 35,280 SH   SOLE 0 35,280 0 0
Procter & Gamble Co Com 742718109 443 3,505 SH   DFND 0 3,505 0 0
Prudential Financial Inc. Com 744320102 568 6,620 SH   SOLE 0 6,595 0 25
Prudential Financial Inc. Com 744320102 20 235 SH   DFND 0 235 0 0
Public Storage Com 74460D109 1,458 4,979 SH   SOLE 0 4,979 0 0
Public Storage Com 74460D109 23 80 SH   DFND 0 80 0 0
Qualcomm Inc Com 747525103 4,318 38,222 SH   SOLE 0 38,222 0 0
Qualcomm Inc Com 747525103 240 2,123 SH   DFND 0 2,123 0 0
Raytheon Technologies Corp Com 75513E101 2,123 25,938 SH   SOLE 0 25,928 0 10
Raytheon Technologies Corp Com 75513E101 143 1,742 SH   DFND 0 1,742 0 0
Regeneron Pharmaceuticals Com 75886F107 1,816 2,636 SH   SOLE 0 2,636 0 0
Regeneron Pharmaceuticals Com 75886F107 43 62 SH   DFND 0 62 0 0
S&P Global Com 78409V104 72 235 SH   SOLE 0 235 0 0
S&P Global Com 78409V104 159 520 SH   DFND 0 520 0 0
MFC SPDR Series Trust S&P 500 Growth - ETF Com 78464A409 632 12,615 SH   SOLE 0 12,615 0 0
MFC SPDR Series Trust S&P 500 Growth - ETF Com 78464A409 92 1,845 SH   DFND 0 1,845 0 0
Salesforce Inc Com 79466L302 3,273 22,752 SH   SOLE 0 22,752 0 0
Salesforce Inc Com 79466L302 131 914 SH   DFND 0 914 0 0
Select Sector SPDR-Health Care - ETF Com 81369Y209 1,676 13,841 SH   SOLE 0 13,841 0 0
Select Sector SPDR-Health Care - ETF Com 81369Y209 60 494 SH   DFND 0 494 0 0
Select Sector SPDR-Consumer Staples - ETF Com 81369Y308 669 10,032 SH   SOLE 0 10,032 0 0
Select Sector SPDR-Consumer Staples - ETF Com 81369Y308 26 396 SH   DFND 0 396 0 0
Select Sector SPDR-Cons. Discretionary - ETF Com 81369Y407 1,111 7,799 SH   SOLE 0 7,799 0 0
Select Sector SPDR-Cons. Discretionary - ETF Com 81369Y407 45 317 SH   DFND 0 317 0 0
Select Sector SPDR-Energy - ETF Com 81369Y506 441 6,122 SH   SOLE 0 6,122 0 0
Select Sector SPDR-Energy - ETF Com 81369Y506 16 217 SH   DFND 0 217 0 0
Select Sector SPDR-Financial - ETF Com 81369Y605 957 31,512 SH   SOLE 0 31,512 0 0
Select Sector SPDR-Financial - ETF Com 81369Y605 45 1,479 SH   DFND 0 1,479 0 0
Select Sector SPDR-Industrial - ETF Com 81369Y704 858 10,354 SH   SOLE 0 10,354 0 0
Select Sector SPDR-Industrial - ETF Com 81369Y704 34 416 SH   DFND 0 416 0 0
Select Sector SPDR-Technology - ETF Com 81369Y803 2,638 22,210 SH   SOLE 0 22,210 0 0
Select Sector SPDR-Technology - ETF Com 81369Y803 117 984 SH   DFND 0 984 0 0
Select Sector SPDR- Comm Services-ETF Com 81369Y852 847 17,688 SH   SOLE 0 17,688 0 0
Select Sector SPDR- Comm Services-ETF Com 81369Y852 20 415 SH   DFND 0 415 0 0
Select Sector SPDR-Real Estate - ETF Com 81369Y860 289 8,032 SH   SOLE 0 8,032 0 0
Select Sector SPDR-Real Estate - ETF Com 81369Y860 6 162 SH   DFND 0 162 0 0
Service Corp. Intl. Com 817565104 258 4,460 SH   DFND 0 4,460 0 0
Southern Co Com 842587107 783 11,522 SH   SOLE 0 11,522 0 0
Southern Co Com 842587107 30 435 SH   DFND 0 435 0 0
Southern Copper Corporation Com 84265V105 276 6,150 SH   SOLE 0 6,150 0 0
Southern Copper Corporation Com 84265V105 1 20 SH   DFND 0 20 0 0
Starbucks Corporation Com 855244109 809 9,604 SH   SOLE 0 9,604 0 0
Starbucks Corporation Com 855244109 38 452 SH   DFND 0 452 0 0
State Street Corp. Com 857477103 311 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 2,068 10,212 SH   SOLE 0 10,212 0 0
Stryker Corp Com 863667101 112 553 SH   DFND 0 553 0 0
Sysco Corp Com 871829107 1,149 16,252 SH   SOLE 0 16,252 0 0
Sysco Corp Com 871829107 66 934 SH   DFND 0 934 0 0
TJX Companies Inc. Com 872540109 1,662 26,761 SH   SOLE 0 26,761 0 0
TJX Companies Inc. Com 872540109 76 1,225 SH   DFND 0 1,225 0 0
Target Corp. Com 87612E106 2,931 19,749 SH   SOLE 0 19,749 0 0
Target Corp. Com 87612E106 259 1,748 SH   DFND 0 1,748 0 0
Thermo Fisher Scientific Inc Com 883556102 349 689 SH   SOLE 0 689 0 0
Thermo Fisher Scientific Inc Com 883556102 8 15 SH   DFND 0 15 0 0
3M Company Com 88579Y101 958 8,666 SH   SOLE 0 8,666 0 0
3M Company Com 88579Y101 91 825 SH   DFND 0 825 0 0
Toronto Dominion Bank Com 891160509 1,507 24,573 SH   SOLE 0 24,573 0 0
Toronto Dominion Bank Com 891160509 246 4,004 SH   DFND 0 4,004 0 0
The Travelers Companies Inc. Com 89417E109 461 3,010 SH   SOLE 0 3,010 0 0
The Travelers Companies Inc. Com 89417E109 31 200 SH   DFND 0 200 0 0
Truist Financial Corp Com 89832Q109 957 21,979 SH   SOLE 0 21,979 0 0
Truist Financial Corp Com 89832Q109 374 8,594 SH   DFND 0 8,594 0 0
US Bancorp Del Com Com 902973304 123 3,050 SH   SOLE 0 3,050 0 0
US Bancorp Del Com Com 902973304 134 3,335 SH   DFND 0 3,335 0 0
Unilever PLC Sponsored ADR New Com 904767704 132 3,005 SH   SOLE 0 3,005 0 0
Unilever PLC Sponsored ADR New Com 904767704 80 1,830 SH   DFND 0 1,830 0 0
Union Pacific Corp Com 907818108 1,864 9,567 SH   SOLE 0 9,567 0 0
Union Pacific Corp Com 907818108 59 305 SH   DFND 0 305 0 0
United Parcel Service Com 911312106 2,934 18,160 SH   SOLE 0 18,155 0 5
United Parcel Service Com 911312106 263 1,630 SH   DFND 0 1,630 0 0
UnitedHealth Group Inc. Com 91324P102 4,286 8,487 SH   SOLE 0 8,482 0 5
UnitedHealth Group Inc. Com 91324P102 158 313 SH   DFND 0 313 0 0
MFC Vaneck ETF TR Com 92189F429 1,546 89,906 SH   SOLE 0 89,906 0 0
MFC Vaneck ETF TR Com 92189F429 210 12,226 SH   DFND 0 12,226 0 0
Vanguard Mega Cap Value ETF Com 921910840 617 6,865 SH   SOLE 0 6,865 0 0
Vanguard Mega Cap Value ETF Com 921910840 81 900 SH   DFND 0 900 0 0
Vanguard Russell 2000 ETF Com 92206C664 279 4,186 SH   SOLE 0 4,186 0 0
Vanguard Russell 2000 ETF Com 92206C664 2 36 SH   DFND 0 36 0 0
Vanguard Real Estate-ETF Com 922908553 5,914 73,773 SH   SOLE 0 73,773 0 0
Vanguard Real Estate-ETF Com 922908553 283 3,527 SH   DFND 0 3,527 0 0
Vanguard Index Mid-Cap ETF Com 922908629 388 2,062 SH   SOLE 0 2,062 0 0
Vanguard Index Mid-Cap ETF Com 922908629 4 19 SH   DFND 0 19 0 0
Verizon Communications Inc. Com 92343V104 3,565 93,892 SH   SOLE 0 93,842 0 50
Verizon Communications Inc. Com 92343V104 395 10,395 SH   DFND 0 10,395 0 0
Visa, Inc. Com 92826C839 2,717 15,293 SH   SOLE 0 15,293 0 0
Visa, Inc. Com 92826C839 120 673 SH   DFND 0 673 0 0
Wal-Mart Stores Inc Com 931142103 4,203 32,403 SH   SOLE 0 32,403 0 0
Wal-Mart Stores Inc Com 931142103 432 3,329 SH   DFND 0 3,329 0 0
WisdomTree U.S. Midcap Dividend Fund-ETF Com 97717W505 678 17,993 SH   SOLE 0 17,993 0 0
WisdomTree U.S. Midcap Dividend Fund-ETF Com 97717W505 18 488 SH   DFND 0 488 0 0
WisdomTree U.S. Small Cap Dividend Fund ETF Com 97717W604 455 17,663 SH   SOLE 0 17,663 0 0
WisdomTree U.S. Small Cap Dividend Fund ETF Com 97717W604 13 517 SH   DFND 0 517 0 0
Wisdomtree International Equity Fund ETF Com 97717W703 1,162 28,946 SH   SOLE 0 28,946 0 0
Wisdomtree International Equity Fund ETF Com 97717W703 23 582 SH   DFND 0 582 0 0
Accenture PLC Cl A Com G1151C101 864 3,358 SH   SOLE 0 3,358 0 0
Accenture PLC Cl A Com G1151C101 24 93 SH   DFND 0 93 0 0
Eaton Corp PLC Com G29183103 1,470 11,020 SH   SOLE 0 11,010 0 10
Eaton Corp PLC Com G29183103 515 3,865 SH   DFND 0 3,865 0 0
Linde PLC Com G5494J103 1,762 6,537 SH   SOLE 0 6,537 0 0
Linde PLC Com G5494J103 46 170 SH   DFND 0 170 0 0
Medtronic Hldg Ltd Com G5960L103 2,579 31,934 SH   SOLE 0 31,934 0 0
Medtronic Hldg Ltd Com G5960L103 82 1,014 SH   DFND 0 1,014 0 0
Chubb Ltd Com H1467J104 2,941 16,171 SH   SOLE 0 16,171 0 0
Chubb Ltd Com H1467J104 154 846 SH   DFND 0 846 0 0
Check Point Software Com M22465104 249 2,225 SH   SOLE 0 2,225 0 0
Check Point Software Com M22465104 18 160 SH   DFND 0 160 0 0