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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AFLAC, Inc. Com 001055102   210,295 2,740 SH   SOLE 0 2,740 0 0
AFLAC, Inc. Com 001055102   23,025 300 SH   DFND 0 300 0 0
AT&T Inc. Com Com 00206R102   1,881,390 125,259 SH   SOLE 0 125,194 0 65
AT&T Inc. Com Com 00206R102   241,011 16,046 SH   DFND 0 16,046 0 0
Abbott Laboratories Com 002824100   2,722,938 28,115 SH   SOLE 0 28,080 0 35
Abbott Laboratories Com 002824100   155,541 1,606 SH   DFND 0 1,606 0 0
AbbVie Inc Com 00287Y109   3,827,414 25,677 SH   SOLE 0 25,677 0 0
AbbVie Inc Com 00287Y109   467,899 3,139 SH   DFND 0 3,139 0 0
Activision Blizzard Inc Com 00507V109   721,794 7,709 SH   SOLE 0 7,709 0 0
Activision Blizzard Inc Com 00507V109   468 5 SH   DFND 0 5 0 0
Adobe Systems Inc. Com 00724F101   3,541,256 6,945 SH   SOLE 0 6,945 0 0
Adobe Systems Inc. Com 00724F101   116,257 228 SH   DFND 0 228 0 0
Air Products & Chemicals Com 009158106   457,124 1,613 SH   SOLE 0 1,613 0 0
Air Products & Chemicals Com 009158106   4,251 15 SH   DFND 0 15 0 0
Alphabet Inc Cl C Com 02079K107   1,715,369 13,010 SH   SOLE 0 13,010 0 0
Alphabet Inc Cl C Com 02079K107   126,576 960 SH   DFND 0 960 0 0
Alphabet Inc. Cl A Com 02079K305   8,181,498 62,521 SH   SOLE 0 62,521 0 0
Alphabet Inc. Cl A Com 02079K305   349,004 2,667 SH   DFND 0 2,667 0 0
Altria Group Inc. Com 02209S103   651,565 15,495 SH   SOLE 0 15,495 0 0
Altria Group Inc. Com 02209S103   53,404 1,270 SH   DFND 0 1,270 0 0
Amazon.Com, Inc. Com 023135106   7,571,013 59,558 SH   SOLE 0 59,508 0 50
Amazon.Com, Inc. Com 023135106   401,445 3,158 SH   DFND 0 3,158 0 0
American Express Co Com 025816109   1,276,470 8,556 SH   SOLE 0 8,556 0 0
American Express Co Com 025816109   308,077 2,065 SH   DFND 0 2,065 0 0
American Tower Corporation REIT Com 03027X100   470,163 2,859 SH   SOLE 0 2,859 0 0
American Tower Corporation REIT Com 03027X100   7,400 45 SH   DFND 0 45 0 0
Ameriprise Financial, Inc. Com 03076C106   522,543 1,585 SH   SOLE 0 1,585 0 0
Ameriprise Financial, Inc. Com 03076C106   1,648 5 SH   DFND 0 5 0 0
Amgen Inc. Com 031162100   998,712 3,716 SH   SOLE 0 3,716 0 0
Amgen Inc. Com 031162100   63,159 235 SH   DFND 0 235 0 0
Analog Devices Inc. Com 032654105   365,063 2,085 SH   SOLE 0 2,085 0 0
Analog Devices Inc. Com 032654105   24,162 138 SH   DFND 0 138 0 0
Apple, Inc. Com 037833100   18,848,166 110,088 SH   SOLE 0 110,043 0 45
Apple, Inc. Com 037833100   1,240,074 7,243 SH   DFND 0 7,243 0 0
Applied Materials Inc. Com 038222105   5,659,144 40,875 SH   SOLE 0 40,840 0 35
Applied Materials Inc. Com 038222105   187,461 1,354 SH   DFND 0 1,354 0 0
Automatic Data Processing Com 053015103   962,079 3,999 SH   SOLE 0 3,999 0 0
Automatic Data Processing Com 053015103   163,594 680 SH   DFND 0 680 0 0
Bank Of America Corporation Com 060505104   2,463,543 89,976 SH   SOLE 0 89,976 0 0
Bank Of America Corporation Com 060505104   115,160 4,206 SH   DFND 0 4,206 0 0
Baxter International, Inc. Com 071813109   187,530 4,969 SH   SOLE 0 4,969 0 0
Baxter International, Inc. Com 071813109   12,567 333 SH   DFND 0 333 0 0
Berkshire Hathaway, Inc. Cl A Com 084670108   531,477 1 SH   SOLE 0 1 0 0
Berkshire Hathaway Inc Cl B Com 084670702   1,398,398 3,992 SH   SOLE 0 3,982 0 10
Berkshire Hathaway Inc Cl B Com 084670702   106,491 304 SH   DFND 0 304 0 0
Blackrock Inc Com 09247X101   762,212 1,179 SH   SOLE 0 1,179 0 0
Blackrock Inc Com 09247X101   51,719 80 SH   DFND 0 80 0 0
Bristol Myers Squibb Co. Com 110122108   1,688,500 29,092 SH   SOLE 0 29,042 0 50
Bristol Myers Squibb Co. Com 110122108   235,642 4,060 SH   DFND 0 4,060 0 0
Cigna Group Com 125523100   212,264 742 SH   SOLE 0 742 0 0
CVS Health Corp Com 126650100   3,044,082 43,599 SH   SOLE 0 43,554 0 45
CVS Health Corp Com 126650100   135,590 1,942 SH   DFND 0 1,942 0 0
Campbell Soup Co Com 134429109   216,286 5,265 SH   SOLE 0 5,265 0 0
Campbell Soup Co Com 134429109   25,675 625 SH   DFND 0 625 0 0
Capital One Financial Corp. Com 14040H105   304,252 3,135 SH   SOLE 0 3,135 0 0
Capital One Financial Corp. Com 14040H105   5,338 55 SH   DFND 0 55 0 0
Caterpillar Inc. Com 149123101   3,511,326 12,862 SH   SOLE 0 12,862 0 0
Caterpillar Inc. Com 149123101   146,055 535 SH   DFND 0 535 0 0
Chevron Corp com Com 166764100   6,431,167 38,140 SH   SOLE 0 38,120 0 20
Chevron Corp com Com 166764100   455,274 2,700 SH   DFND 0 2,700 0 0
Cisco Systems, Inc. Com 17275R102   2,087,716 38,834 SH   SOLE 0 38,759 0 75
Cisco Systems, Inc. Com 17275R102   164,398 3,058 SH   DFND 0 3,058 0 0
Coca Cola Com 191216100   2,852,405 50,954 SH   SOLE 0 50,954 0 0
Coca Cola Com 191216100   706,132 12,614 SH   DFND 0 12,614 0 0
Cognizant Tech Solutions-A Com 192446102   371,283 5,481 SH   SOLE 0 5,481 0 0
Cognizant Tech Solutions-A Com 192446102   24,048 355 SH   DFND 0 355 0 0
ComCast Corporation Cl A Com 20030N101   2,263,513 51,049 SH   SOLE 0 50,979 0 70
ComCast Corporation Cl A Com 20030N101   126,236 2,847 SH   DFND 0 2,847 0 0
ConocoPhillips Com 20825C104   149,990 1,252 SH   SOLE 0 1,252 0 0
ConocoPhillips Com 20825C104   268,472 2,241 SH   DFND 0 2,241 0 0
Consolidated Edison Inc. Com 209115104   807,403 9,440 SH   SOLE 0 9,440 0 0
Consolidated Edison Inc. Com 209115104   325,442 3,805 SH   DFND 0 3,805 0 0
Corecare Sys Inc Com 218908101   0 10,000 SH   SOLE 0 10,000 0 0
Costco Wholesale Corporation Com 22160K105   734,448 1,300 SH   SOLE 0 1,295 0 5
Costco Wholesale Corporation Com 22160K105   8,474 15 SH   DFND 0 15 0 0
Cummins, Inc. Com 231021106   350,915 1,536 SH   SOLE 0 1,536 0 0
Cummins, Inc. Com 231021106   10,281 45 SH   DFND 0 45 0 0
Danaher Corp. Com Com 235851102   467,172 1,883 SH   SOLE 0 1,883 0 0
Danaher Corp. Com Com 235851102   19,848 80 SH   DFND 0 80 0 0
Darden Restaurants Inc. Com 237194105   910,450 6,357 SH   SOLE 0 6,357 0 0
Darden Restaurants Inc. Com 237194105   30,792 215 SH   DFND 0 215 0 0
Deere & Co. Com 244199105   2,032,191 5,385 SH   SOLE 0 5,375 0 10
Deere & Co. Com 244199105   136,234 361 SH   DFND 0 361 0 0
The Walt Disney Company Com 254687106   1,928,180 23,790 SH   SOLE 0 23,790 0 0
The Walt Disney Company Com 254687106   81,698 1,008 SH   DFND 0 1,008 0 0
Dominion Energy Inc. Com 25746U109   502,761 11,255 SH   SOLE 0 11,255 0 0
Dominion Energy Inc. Com 25746U109   42,883 960 SH   DFND 0 960 0 0
Dow Inc Com 260557103   683,943 13,265 SH   SOLE 0 13,265 0 0
Dow Inc Com 260557103   66,770 1,295 SH   DFND 0 1,295 0 0
Duke Energy Corp Com 26441C204   2,280,991 25,844 SH   SOLE 0 25,844 0 0
Duke Energy Corp Com 26441C204   145,541 1,649 SH   DFND 0 1,649 0 0
Dupont De Nemours Inc Com 26614N102   848,685 11,378 SH   SOLE 0 11,348 0 30
Dupont De Nemours Inc Com 26614N102   91,895 1,232 SH   DFND 0 1,232 0 0
Edwards Lifesciences Corp Com 28176E108   267,352 3,859 SH   SOLE 0 3,859 0 0
Emerson Electric Co Com 291011104   1,793,595 18,573 SH   SOLE 0 18,573 0 0
Emerson Electric Co Com 291011104   33,606 348 SH   DFND 0 348 0 0
Entergy Corp. Com 29364G103   516,150 5,580 SH   SOLE 0 5,580 0 0
Entergy Corp. Com 29364G103   77,238 835 SH   DFND 0 835 0 0
Exelon Corp. Com 30161N101   492,593 13,035 SH   SOLE 0 12,995 0 40
Exelon Corp. Com 30161N101   76,336 2,020 SH   DFND 0 2,020 0 0
Exxon Mobil Corporation Com 30231G102   2,861,662 24,338 SH   SOLE 0 24,338 0 0
Exxon Mobil Corporation Com 30231G102   249,740 2,124 SH   DFND 0 2,124 0 0
Meta Platforms Inc Com 30303M102   405,884 1,352 SH   SOLE 0 1,352 0 0
Fedex Corp. Com 31428X106   398,705 1,505 SH   SOLE 0 1,505 0 0
GE Healthcare Technologies Inc Com 36266G107   249,367 3,665 SH   SOLE 0 3,665 0 0
GE Healthcare Technologies Inc Com 36266G107   37,694 554 SH   DFND 0 554 0 0
General Electric Co Com 369604301   1,196,262 10,821 SH   SOLE 0 10,821 0 0
General Electric Co Com 369604301   184,950 1,673 SH   DFND 0 1,673 0 0
Gilead Sciences, Inc. Com 375558103   653,852 8,725 SH   SOLE 0 8,725 0 0
Gilead Sciences, Inc. Com 375558103   39,344 525 SH   DFND 0 525 0 0
GSK PLC SPON ADR Com 37733W204   250,850 6,920 SH   DFND 0 6,920 0 0
Global X US Preferred ETF Pfd Stk 37954Y657   2,011,861 106,957 SH   SOLE 0 106,957 0 0
Global X US Preferred ETF Pfd Stk 37954Y657   47,702 2,536 SH   DFND 0 2,536 0 0
Goldman Sachs Group Inc. Com 38141G104   1,801,961 5,569 SH   SOLE 0 5,569 0 0
Goldman Sachs Group Inc. Com 38141G104   44,006 136 SH   DFND 0 136 0 0
Goldman Sachs Active Beta ETF Com 381430503   796,732 9,459 SH   SOLE 0 9,459 0 0
Goldman Sachs Active Beta ETF Com 381430503   116,237 1,380 SH   DFND 0 1,380 0 0
HP Inc. Com 40434L105   191,208 7,440 SH   SOLE 0 7,440 0 0
HP Inc. Com 40434L105   34,053 1,325 SH   DFND 0 1,325 0 0
Home Depot, Inc. Com 437076102   2,767,786 9,160 SH   SOLE 0 9,150 0 10
Home Depot, Inc. Com 437076102   362,592 1,200 SH   DFND 0 1,200 0 0
Honeywell International Inc. Com 438516106   771,659 4,177 SH   SOLE 0 4,167 0 10
Honeywell International Inc. Com 438516106   187,511 1,015 SH   DFND 0 1,015 0 0
Humana Inc Com 444859102   384,351 790 SH   SOLE 0 790 0 0
Independent Bank Corp Mass Com 453836108   278,095 5,665 SH   SOLE 0 5,665 0 0
Independent Bank Corp Mass Com 453836108   134,261 2,735 SH   DFND 0 2,735 0 0
Intel Corp Com 458140100   3,032,984 85,316 SH   SOLE 0 85,316 0 0
Intel Corp Com 458140100   222,614 6,262 SH   DFND 0 6,262 0 0
International Business Machines Com 459200101   2,061,428 14,693 SH   SOLE 0 14,693 0 0
International Business Machines Com 459200101   366,885 2,615 SH   DFND 0 2,615 0 0
International Paper Com 460146103   268,827 7,579 SH   SOLE 0 7,579 0 0
International Paper Com 460146103   51,361 1,448 SH   DFND 0 1,448 0 0
Intuit Inc Com 461202103   666,777 1,305 SH   SOLE 0 1,305 0 0
Invesco II Pfd-ETF Pfd Stk 46138E511   5,843,993 533,698 SH   SOLE 0 533,098 0 600
Invesco II Pfd-ETF Pfd Stk 46138E511   464,992 42,465 SH   DFND 0 42,465 0 0
Iron Mountain Inc. Com 46284V101   54,694 920 SH   SOLE 0 920 0 0
Iron Mountain Inc. Com 46284V101   599,137 10,078 SH   DFND 0 10,078 0 0
IShares MSCI Emerging Mkts Min Vol Factor ETF Com 464286533   1,515,834 28,413 SH   SOLE 0 28,413 0 0
IShares MSCI Emerging Mkts Min Vol Factor ETF Com 464286533   5,602 105 SH   DFND 0 105 0 0
iShares S&P 500 Index - ETF Com 464287200   548,812 1,278 SH   SOLE 0 1,278 0 0
Ishares Core U.S. Aggregate-ETF Com 464287226   5,115,776 54,400 SH   SOLE 0 54,400 0 0
Ishares Core U.S. Aggregate-ETF Com 464287226   157,705 1,677 SH   DFND 0 1,677 0 0
iShares S&P SmallCap 600 Index - ETF Com 464287804   441,087 4,676 SH   SOLE 0 4,676 0 0
IShares Tr Short-Term Corp Bd-ETF Com 464288646   258,717 5,192 SH   SOLE 0 5,192 0 0
IShares Tr Short-Term Corp Bd-ETF Com 464288646   65,526 1,315 SH   DFND 0 1,315 0 0
Ishares MSCI International Quality-ETF Com 46434V456   3,725,870 110,856 SH   SOLE 0 110,856 0 0
Ishares MSCI International Quality-ETF Com 46434V456   41,239 1,227 SH   DFND 0 1,227 0 0
JPMorgan Chase & Company Com 46625H100   7,816,288 53,898 SH   SOLE 0 53,853 0 45
JPMorgan Chase & Company Com 46625H100   784,993 5,413 SH   DFND 0 5,413 0 0
Johnson & Johnson Com 478160104   4,689,788 30,111 SH   SOLE 0 30,111 0 0
Johnson & Johnson Com 478160104   422,394 2,712 SH   DFND 0 2,712 0 0
Kimberly-Clark Corp Com 494368103   680,990 5,635 SH   SOLE 0 5,635 0 0
Kimberly-Clark Corp Com 494368103   123,871 1,025 SH   DFND 0 1,025 0 0
Lilly, Eli & Co Com 532457108   3,468,248 6,457 SH   SOLE 0 6,457 0 0
Lilly, Eli & Co Com 532457108   432,390 805 SH   DFND 0 805 0 0
Lockheed Martin Corporation Com 539830109   1,752,394 4,285 SH   SOLE 0 4,285 0 0
Lockheed Martin Corporation Com 539830109   143,545 351 SH   DFND 0 351 0 0
Lowe's Companies, Inc. Com 548661107   3,783,727 18,205 SH   SOLE 0 18,190 0 15
Lowe's Companies, Inc. Com 548661107   204,099 982 SH   DFND 0 982 0 0
McDonald's Corp. Com 580135101   4,742,447 18,002 SH   SOLE 0 18,002 0 0
McDonald's Corp. Com 580135101   419,133 1,591 SH   DFND 0 1,591 0 0
Merck & Co. Inc. Com 58933Y105   4,367,963 42,428 SH   SOLE 0 42,428 0 0
Merck & Co. Inc. Com 58933Y105   407,167 3,955 SH   DFND 0 3,955 0 0
MetLife Inc. Com Com 59156R108   703,082 11,176 SH   SOLE 0 11,176 0 0
MetLife Inc. Com Com 59156R108   6,731 107 SH   DFND 0 107 0 0
Microsoft Corp Com 594918104   16,071,044 50,898 SH   SOLE 0 50,873 0 25
Microsoft Corp Com 594918104   1,077,023 3,411 SH   DFND 0 3,411 0 0
Microchip Technology Inc. Com 595017104   921,302 11,804 SH   SOLE 0 11,804 0 0
Microchip Technology Inc. Com 595017104   122,539 1,570 SH   DFND 0 1,570 0 0
National Grid Plc-SP ADR Com 636274409   591,506 9,756 SH   SOLE 0 9,756 0 0
National Grid Plc-SP ADR Com 636274409   63,358 1,045 SH   DFND 0 1,045 0 0
NextEra Energy Inc. Com 65339F101   2,615,174 45,648 SH   SOLE 0 45,623 0 25
NextEra Energy Inc. Com 65339F101   201,031 3,509 SH   DFND 0 3,509 0 0
Nike Inc. Class B Com 654106103   2,059,272 21,536 SH   SOLE 0 21,516 0 20
Nike Inc. Class B Com 654106103   85,389 893 SH   DFND 0 893 0 0
Nucor Corporation Com 670346105   409,637 2,620 SH   SOLE 0 2,620 0 0
Nucor Corporation Com 670346105   46,905 300 SH   DFND 0 300 0 0
Nvidia Corporation Com 67066G104   4,697,022 10,798 SH   SOLE 0 10,788 0 10
Nvidia Corporation Com 67066G104   210,100 483 SH   DFND 0 483 0 0
Oracle Corp. Com 68389X105   404,508 3,819 SH   SOLE 0 3,819 0 0
Oracle Corp. Com 68389X105   14,935 141 SH   DFND 0 141 0 0
PPL Corporation Com 69351T106   293,322 12,450 SH   SOLE 0 12,450 0 0
PPL Corporation Com 69351T106   34,162 1,450 SH   DFND 0 1,450 0 0
Pepsico Inc Com 713448108   2,022,097 11,934 SH   SOLE 0 11,934 0 0
Pepsico Inc Com 713448108   268,224 1,583 SH   DFND 0 1,583 0 0
Pfizer, Inc Com 717081103   1,944,293 58,616 SH   SOLE 0 58,616 0 0
Pfizer, Inc Com 717081103   291,398 8,785 SH   DFND 0 8,785 0 0
Philip Morris Intl Inc. Com 718172109   648,523 7,005 SH   SOLE 0 7,005 0 0
Philip Morris Intl Inc. Com 718172109   20,831 225 SH   DFND 0 225 0 0
Phillips 66 Com 718546104   68,966 574 SH   SOLE 0 574 0 0
Phillips 66 Com 718546104   234,533 1,952 SH   DFND 0 1,952 0 0
T Rowe Price Group Inc Com 74144T108   466,986 4,453 SH   SOLE 0 4,453 0 0
T Rowe Price Group Inc Com 74144T108   8,180 78 SH   DFND 0 78 0 0
Principal Financial Group Inc. Com 74251V102   633,712 8,793 SH   SOLE 0 8,793 0 0
Principal Financial Group Inc. Com 74251V102   53,332 740 SH   DFND 0 740 0 0
Procter & Gamble Co Com 742718109   5,255,044 36,028 SH   SOLE 0 36,028 0 0
Procter & Gamble Co Com 742718109   479,004 3,284 SH   DFND 0 3,284 0 0
Prudential Financial Inc. Com 744320102   431,750 4,550 SH   SOLE 0 4,525 0 25
Prudential Financial Inc. Com 744320102   5,693 60 SH   DFND 0 60 0 0
Public Storage Com 74460D109   1,293,356 4,908 SH   SOLE 0 4,908 0 0
Public Storage Com 74460D109   28,987 110 SH   DFND 0 110 0 0
Qualcomm Inc Com 747525103   4,421,299 39,810 SH   SOLE 0 39,810 0 0
Qualcomm Inc Com 747525103   241,556 2,175 SH   DFND 0 2,175 0 0
RTX Corporation Com 75513E101   2,373,067 32,973 SH   SOLE 0 32,963 0 10
RTX Corporation Com 75513E101   132,641 1,843 SH   DFND 0 1,843 0 0
Regeneron Pharmaceuticals Com 75886F107   1,994,855 2,424 SH   SOLE 0 2,424 0 0
Regeneron Pharmaceuticals Com 75886F107   26,335 32 SH   DFND 0 32 0 0
S&P Global Com 78409V104   58,466 160 SH   SOLE 0 160 0 0
S&P Global Com 78409V104   175,397 480 SH   DFND 0 480 0 0
MFC SPDR Series Trust S&P 500 Growth - ETF Com 78464A409   651,784 10,995 SH   SOLE 0 10,995 0 0
MFC SPDR Series Trust S&P 500 Growth - ETF Com 78464A409   109,372 1,845 SH   DFND 0 1,845 0 0
Salesforce Inc Com 79466L302   4,287,986 21,146 SH   SOLE 0 21,146 0 0
Salesforce Inc Com 79466L302   108,285 534 SH   DFND 0 534 0 0
Select Sector SPDR-Materials - ETF Com 81369Y100   208,236 2,651 SH   SOLE 0 2,651 0 0
Select Sector SPDR-Materials - ETF Com 81369Y100   12,961 165 SH   DFND 0 165 0 0
Select Sector SPDR-Health Care - ETF Com 81369Y209   1,458,238 11,327 SH   SOLE 0 11,327 0 0
Select Sector SPDR-Health Care - ETF Com 81369Y209   61,409 477 SH   DFND 0 477 0 0
Select Sector SPDR-Consumer Staples - ETF Com 81369Y308   699,729 10,169 SH   SOLE 0 10,169 0 0
Select Sector SPDR-Consumer Staples - ETF Com 81369Y308   28,006 407 SH   DFND 0 407 0 0
Select Sector SPDR-Cons. Discretionary - ETF Com 81369Y407   1,094,020 6,796 SH   SOLE 0 6,796 0 0
Select Sector SPDR-Cons. Discretionary - ETF Com 81369Y407   49,743 309 SH   DFND 0 309 0 0
Select Sector SPDR-Energy - ETF Com 81369Y506   484,400 5,359 SH   SOLE 0 5,359 0 0
Select Sector SPDR-Energy - ETF Com 81369Y506   18,801 208 SH   DFND 0 208 0 0
Select Sector SPDR-Financial - ETF Com 81369Y605   1,187,519 35,801 SH   SOLE 0 35,801 0 0
Select Sector SPDR-Financial - ETF Com 81369Y605   51,480 1,552 SH   DFND 0 1,552 0 0
Select Sector SPDR-Industrial - ETF Com 81369Y704   863,251 8,515 SH   SOLE 0 8,515 0 0
Select Sector SPDR-Industrial - ETF Com 81369Y704   40,653 401 SH   DFND 0 401 0 0
Select Sector SPDR-Technology - ETF Com 81369Y803   2,875,660 17,542 SH   SOLE 0 17,542 0 0
Select Sector SPDR-Technology - ETF Com 81369Y803   144,094 879 SH   DFND 0 879 0 0
Select Sector SPDR- Comm Services-ETF Com 81369Y852   962,240 14,675 SH   SOLE 0 14,675 0 0
Select Sector SPDR- Comm Services-ETF Com 81369Y852   25,310 386 SH   DFND 0 386 0 0
Select Sector SPDR-Real Estate - ETF Com 81369Y860   294,365 8,640 SH   SOLE 0 8,640 0 0
Select Sector SPDR-Real Estate - ETF Com 81369Y860   5,758 169 SH   DFND 0 169 0 0
Select Sector SPDR Fund-Utilities - ETF Com 81369Y886   290,643 4,932 SH   SOLE 0 4,932 0 0
Select Sector SPDR Fund-Utilities - ETF Com 81369Y886   10,195 173 SH   DFND 0 173 0 0
Service Corp. Intl. Com 817565104   254,844 4,460 SH   DFND 0 4,460 0 0
Southern Co Com 842587107   696,193 10,757 SH   SOLE 0 10,757 0 0
Southern Co Com 842587107   24,917 385 SH   DFND 0 385 0 0
Southern Copper Corporation Com 84265V105   474,327 6,300 SH   SOLE 0 6,300 0 0
Southern Copper Corporation Com 84265V105   1,506 20 SH   DFND 0 20 0 0
Starbucks Corporation Com 855244109   687,537 7,533 SH   SOLE 0 7,533 0 0
Starbucks Corporation Com 855244109   21,175 232 SH   DFND 0 232 0 0
State Street Corp. Com 857477103   216,281 3,230 SH   SOLE 0 3,230 0 0
State Street Corp. Com 857477103   6,696 100 SH   DFND 0 100 0 0
Stryker Corp Com 863667101   2,544,417 9,311 SH   SOLE 0 9,311 0 0
Stryker Corp Com 863667101   131,716 482 SH   DFND 0 482 0 0
Sysco Corp Com 871829107   1,314,725 19,905 SH   SOLE 0 19,905 0 0
Sysco Corp Com 871829107   83,223 1,260 SH   DFND 0 1,260 0 0
TJX Companies Inc. Com 872540109   2,040,685 22,960 SH   SOLE 0 22,960 0 0
TJX Companies Inc. Com 872540109   80,881 910 SH   DFND 0 910 0 0
Target Corp. Com 87612E106   1,704,437 15,415 SH   SOLE 0 15,415 0 0
Target Corp. Com 87612E106   185,426 1,677 SH   DFND 0 1,677 0 0
Thermo Fisher Scientific Inc Com 883556102   412,022 814 SH   SOLE 0 814 0 0
Thermo Fisher Scientific Inc Com 883556102   7,593 15 SH   DFND 0 15 0 0
3M Company Com 88579Y101   192,108 2,052 SH   SOLE 0 2,052 0 0
3M Company Com 88579Y101   44,282 473 SH   DFND 0 473 0 0
Toronto Dominion Bank Com 891160509   1,396,405 23,173 SH   SOLE 0 23,173 0 0
Toronto Dominion Bank Com 891160509   245,801 4,079 SH   DFND 0 4,079 0 0
The Travelers Companies Inc. Com 89417E109   405,989 2,486 SH   SOLE 0 2,486 0 0
The Travelers Companies Inc. Com 89417E109   32,662 200 SH   DFND 0 200 0 0
Truist Financial Corp Com 89832Q109   541,273 18,919 SH   SOLE 0 18,919 0 0
Truist Financial Corp Com 89832Q109   248,735 8,694 SH   DFND 0 8,694 0 0
Union Pacific Corp Com 907818108   2,257,849 11,088 SH   SOLE 0 11,088 0 0
Union Pacific Corp Com 907818108   64,143 315 SH   DFND 0 315 0 0
United Parcel Service Com 911312106   2,566,400 16,465 SH   SOLE 0 16,460 0 5
United Parcel Service Com 911312106   260,303 1,670 SH   DFND 0 1,670 0 0
UnitedHealth Group Inc. Com 91324P102   4,345,614 8,619 SH   SOLE 0 8,614 0 5
UnitedHealth Group Inc. Com 91324P102   149,744 297 SH   DFND 0 297 0 0
MFC Vaneck ETF TR Com 92189F429   1,338,177 79,606 SH   SOLE 0 79,606 0 0
MFC Vaneck ETF TR Com 92189F429   219,892 13,081 SH   DFND 0 13,081 0 0
Vanguard Mega Cap Value ETF Com 921910840   685,971 6,765 SH   SOLE 0 6,765 0 0
Vanguard Mega Cap Value ETF Com 921910840   91,260 900 SH   DFND 0 900 0 0
Vanguard Russell 2000 ETF Com 92206C664   296,547 4,151 SH   SOLE 0 4,151 0 0
Vanguard Russell 2000 ETF Com 92206C664   2,643 37 SH   DFND 0 37 0 0
Vanguard Real Estate-ETF Com 922908553   5,481,113 72,444 SH   SOLE 0 72,444 0 0
Vanguard Real Estate-ETF Com 922908553   193,311 2,555 SH   DFND 0 2,555 0 0
Vanguard Index Mid-Cap ETF Com 922908629   696,979 3,347 SH   SOLE 0 3,347 0 0
Vanguard Index Mid-Cap ETF Com 922908629   3,748 18 SH   DFND 0 18 0 0
Verizon Communications Inc. Com 92343V104   3,101,994 95,711 SH   SOLE 0 95,661 0 50
Verizon Communications Inc. Com 92343V104   298,010 9,195 SH   DFND 0 9,195 0 0
Visa, Inc. Com 92826C839   3,771,474 16,397 SH   SOLE 0 16,397 0 0
Visa, Inc. Com 92826C839   155,717 677 SH   DFND 0 677 0 0
Wal-Mart Stores Inc Com 931142103   4,992,215 31,215 SH   SOLE 0 31,215 0 0
Wal-Mart Stores Inc Com 931142103   536,565 3,355 SH   DFND 0 3,355 0 0
Williams-Sonoma, Inc. Com 969904101   200,466 1,290 SH   SOLE 0 1,290 0 0
Williams-Sonoma, Inc. Com 969904101   3,108 20 SH   DFND 0 20 0 0
WisdomTree U.S. Midcap Dividend Fund-ETF Com 97717W505   570,286 13,923 SH   SOLE 0 13,923 0 0
WisdomTree U.S. Midcap Dividend Fund-ETF Com 97717W505   17,818 435 SH   DFND 0 435 0 0
WisdomTree U.S. Small Cap Dividend Fund ETF Com 97717W604   402,217 14,263 SH   SOLE 0 14,263 0 0
WisdomTree U.S. Small Cap Dividend Fund ETF Com 97717W604   8,742 310 SH   DFND 0 310 0 0
Wisdomtree International Equity Fund ETF Com 97717W703   1,217,985 25,191 SH   SOLE 0 25,191 0 0
Wisdomtree International Equity Fund ETF Com 97717W703   15,714 325 SH   DFND 0 325 0 0
Accenture PLC Cl A Com G1151C101   1,208,785 3,936 SH   SOLE 0 3,936 0 0
Accenture PLC Cl A Com G1151C101   36,546 119 SH   DFND 0 119 0 0
Eaton Corp PLC Com G29183103   2,429,259 11,390 SH   SOLE 0 11,380 0 10
Eaton Corp PLC Com G29183103   813,663 3,815 SH   DFND 0 3,815 0 0
Linde Plc Com G54950103   2,757,252 7,405 SH   SOLE 0 7,405 0 0
Linde Plc Com G54950103   74,098 199 SH   DFND 0 199 0 0
Medtronic Hldg Ltd Com G5960L103   2,456,194 31,345 SH   SOLE 0 31,345 0 0
Medtronic Hldg Ltd Com G5960L103   84,864 1,083 SH   DFND 0 1,083 0 0
Chubb Ltd Com H1467J104   3,342,330 16,055 SH   SOLE 0 16,055 0 0
Chubb Ltd Com H1467J104   143,852 691 SH   DFND 0 691 0 0
Check Point Software Com M22465104   226,576 1,700 SH   SOLE 0 1,700 0 0
Check Point Software Com M22465104   26,656 200 SH   DFND 0 200 0 0