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
3M Common Stock 88579Y101 227 1,360 SH   SOLE   1,360 0 0
3M Common Stock 88579Y101 62 375 SH   DFND 1 0 375 0
3M Common Stock 88579Y101 32 190 SH   DFND 14 0 190 0
3M Common Stock 88579Y101 8 50 SH   DFND 5 0 50 0
ABBOTT LABS Common Stock 002824100 111 2,665 SH   SOLE   2,665 0 0
ABBOTT LABS Common Stock 002824100 42 1,000 SH   DFND 1 0 1,000 0
ABBOTT LABS Common Stock 002824100 43 1,025 SH   DFND 14 0 1,025 0
ABBOTT LABS Common Stock 002824100 12 275 SH   DFND 5 0 275 0
ALPHABET INC CL A Common Stock 02079K305 157 206 SH   SOLE   206 0 0
ALPHABET INC CL A Common Stock 02079K305 47 62 SH   DFND 1 0 62 0
ALPHABET INC CL A Common Stock 02079K305 53 70 SH   DFND 14 0 70 0
ALPHABET INC CL A Common Stock 02079K305 13 17 SH   DFND 5 0 17 0
APPLE INC Common Stock 037833100 238 2,182 SH   SOLE   2,182 0 0
APPLE INC Common Stock 037833100 57 525 SH   DFND 1 0 525 0
APPLE INC Common Stock 037833100 65 595 SH   DFND 14 0 595 0
APPLE INC Common Stock 037833100 13 120 SH   DFND 5 0 120 0
APTARGROUP Common Stock 038336103 237 3,025 SH   SOLE   3,025 0 0
APTARGROUP Common Stock 038336103 47 600 SH   DFND 1 0 600 0
APTARGROUP Common Stock 038336103 29 375 SH   DFND 14 0 375 0
APTARGROUP Common Stock 038336103 11 135 SH   DFND 5 0 135 0
AUTOMATIC DATA PROCESSING Common Stock 053015103 244 2,720 SH   SOLE   2,720 0 0
AUTOMATIC DATA PROCESSING Common Stock 053015103 27 300 SH   DFND 1 0 300 0
AUTOMATIC DATA PROCESSING Common Stock 053015103 56 625 SH   DFND 14 0 625 0
AUTOMATIC DATA PROCESSING Common Stock 053015103 12 135 SH   DFND 5 0 135 0
CHUBB LIMITED Common Stock H1467J104 125 1,053 SH   SOLE   1,053 0 0
CHUBB LIMITED Common Stock H1467J104 60 500 SH   DFND 1 0 500 0
CHUBB LIMITED Common Stock H1467J104 39 325 SH   DFND 14 0 325 0
CHUBB LIMITED Common Stock H1467J104 5 45 SH   DFND 5 0 45 0
CVS HEALTH Common Stock 126650100 392 3,780 SH   SOLE   3,780 0 0
CVS HEALTH Common Stock 126650100 73 700 SH   DFND 1 0 700 0
CVS HEALTH Common Stock 126650100 88 850 SH   DFND 14 0 850 0
CVS HEALTH Common Stock 126650100 19 180 SH   DFND 5 0 180 0
EXXON MOBIL Common Stock 30231G102 149 1,782 SH   SOLE   1,782 0 0
EXXON MOBIL Common Stock 30231G102 46 550 SH   DFND 1 0 550 0
EXXON MOBIL Common Stock 30231G102 32 380 SH   DFND 14 0 380 0
FISERV Common Stock 337738108 375 3,660 SH   SOLE   3,660 0 0
FISERV Common Stock 337738108 41 400 SH   DFND 1 0 400 0
FISERV Common Stock 337738108 103 1,000 SH   DFND 14 0 1,000 0
FISERV Common Stock 337738108 10 100 SH   DFND 5 0 100 0
JOHNSON & JOHNSON Common Stock 478160104 260 2,400 SH   SOLE   2,400 0 0
JOHNSON & JOHNSON Common Stock 478160104 68 630 SH   DFND 1 0 630 0
JOHNSON & JOHNSON Common Stock 478160104 41 375 SH   DFND 14 0 375 0
JOHNSON & JOHNSON Common Stock 478160104 14 130 SH   DFND 5 0 130 0
MASTERCARD Common Stock 57636q104 257 2,715 SH   SOLE   2,715 0 0
MASTERCARD Common Stock 57636q104 28 300 SH   DFND 1 0 300 0
MASTERCARD Common Stock 57636q104 80 850 SH   DFND 14 0 850 0
MASTERCARD Common Stock 57636q104 10 105 SH   DFND 5 0 105 0
NESTLE SA ADR Common Stock 641069406 179 2,400 SH   SOLE   2,400 0 0
NESTLE SA ADR Common Stock 641069406 82 1,100 SH   DFND 1 0 1,100 0
NESTLE SA ADR Common Stock 641069406 43 580 SH   DFND 14 0 580 0
NESTLE SA ADR Common Stock 641069406 11 150 SH   DFND 5 0 150 0
NOVARTIS AG ADR Common Stock 66987V109 180 2,490 SH   SOLE   2,490 0 0
NOVARTIS AG ADR Common Stock 66987V109 29 400 SH   DFND 1 0 400 0
NOVARTIS AG ADR Common Stock 66987V109 43 600 SH   DFND 14 0 600 0
NOVARTIS AG ADR Common Stock 66987V109 7 100 SH   DFND 5 0 100 0
ORACLE Common Stock 68389x105 96 2,340 SH   SOLE   2,340 0 0
ORACLE Common Stock 68389x105 41 1,000 SH   DFND 1 0 1,000 0
ORACLE Common Stock 68389x105 55 1,350 SH   DFND 14 0 1,350 0
ORACLE Common Stock 68389x105 11 265 SH   DFND 5 0 265 0
PEPSICO Common Stock 713448108 186 1,817 SH   SOLE   1,817 0 0
PEPSICO Common Stock 713448108 43 415 SH   DFND 1 0 415 0
PROCTER & GAMBLE Common Stock 742718109 232 2,820 SH   SOLE   2,820 0 0
PROCTER & GAMBLE Common Stock 742718109 66 800 SH   DFND 1 0 800 0
PROCTER & GAMBLE Common Stock 742718109 41 500 SH   DFND 14 0 500 0
PROCTER & GAMBLE Common Stock 742718109 14 175 SH   DFND 5 0 175 0
ROCKWELL AUTOMATION Common Stock 773903109 106 930 SH   SOLE   930 0 0
ROCKWELL AUTOMATION Common Stock 773903109 63 550 SH   DFND 1 0 550 0
ROCKWELL AUTOMATION Common Stock 773903109 56 495 SH   DFND 14 0 495 0
ROCKWELL AUTOMATION Common Stock 773903109 10 90 SH   DFND 5 0 90 0
SCHLUMBERGER Common Stock 806857108 139 1,890 SH   SOLE   1,890 0 0
SCHLUMBERGER Common Stock 806857108 35 475 SH   DFND 1 0 475 0
SCHLUMBERGER Common Stock 806857108 42 565 SH   DFND 14 0 565 0
SCHLUMBERGER Common Stock 806857108 10 140 SH   DFND 5 0 140 0
UNITED TECHNOLOGIES Common Stock 913017109 179 1,785 SH   SOLE   1,785 0 0
UNITED TECHNOLOGIES Common Stock 913017109 55 550 SH   DFND 1 0 550 0
UNITED TECHNOLOGIES Common Stock 913017109 48 475 SH   DFND 14 0 475 0
UNITED TECHNOLOGIES Common Stock 913017109 4 40 SH   DFND 5 0 40 0