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 238 1,360 SH   SOLE   1,360 0 0
3M Common Stock 88579Y101 66 375 SH   DFND 1 0 375 0
3M Common Stock 88579Y101 33 190 SH   DFND 14 0 190 0
3M Common Stock 88579Y101 11 60 SH   DFND 5 0 60 0
ABBOTT LABS Common Stock 002824100 109 2,785 SH   SOLE   2,785 0 0
ABBOTT LABS Common Stock 002824100 47 1,200 SH   DFND 1 0 1,200 0
ABBOTT LABS Common Stock 002824100 40 1,025 SH   DFND 14 0 1,025 0
ABBOTT LABS Common Stock 002824100 11 275 SH   DFND 5 0 275 0
ALPHABET INC CL A Common Stock 02079K305 152 216 SH   SOLE   216 0 0
ALPHABET INC CL A Common Stock 02079K305 44 62 SH   DFND 1 0 62 0
ALPHABET INC CL A Common Stock 02079K305 49 70 SH   DFND 14 0 70 0
ALPHABET INC CL A Common Stock 02079K305 12 17 SH   DFND 5 0 17 0
APPLE INC Common Stock 037833100 213 2,232 SH   SOLE   2,232 0 0
APPLE INC Common Stock 037833100 50 525 SH   DFND 1 0 525 0
APPLE INC Common Stock 037833100 57 595 SH   DFND 14 0 595 0
APPLE INC Common Stock 037833100 11 120 SH   DFND 5 0 120 0
APTARGROUP Common Stock 038336103 239 3,025 SH   SOLE   3,025 0 0
APTARGROUP Common Stock 038336103 47 600 SH   DFND 1 0 600 0
APTARGROUP Common Stock 038336103 30 375 SH   DFND 14 0 375 0
APTARGROUP Common Stock 038336103 11 135 SH   DFND 5 0 135 0
AUTOMATIC DATA PROCESSING Common Stock 053015103 250 2,720 SH   SOLE   2,720 0 0
AUTOMATIC DATA PROCESSING Common Stock 053015103 28 300 SH   DFND 1 0 300 0
AUTOMATIC DATA PROCESSING Common Stock 053015103 57 625 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 145 1,113 SH   SOLE   1,113 0 0
CHUBB LIMITED Common Stock H1467J104 65 500 SH   DFND 1 0 500 0
CHUBB LIMITED Common Stock H1467J104 52 400 SH   DFND 14 0 400 0
CHUBB LIMITED Common Stock H1467J104 12 90 SH   DFND 5 0 90 0
CVS HEALTH Common Stock 126650100 362 3,780 SH   SOLE   3,780 0 0
CVS HEALTH Common Stock 126650100 67 700 SH   DFND 1 0 700 0
CVS HEALTH Common Stock 126650100 81 850 SH   DFND 14 0 850 0
CVS HEALTH Common Stock 126650100 17 180 SH   DFND 5 0 180 0
EXXON MOBIL Common Stock 30231G102 165 1,757 SH   SOLE   1,757 0 0
EXXON MOBIL Common Stock 30231G102 52 550 SH   DFND 1 0 550 0
EXXON MOBIL Common Stock 30231G102 36 380 SH   DFND 14 0 380 0
EXXON MOBIL Common Stock 30231G102 4 40 SH   DFND 5 0 40 0
FISERV Common Stock 337738108 398 3,660 SH   SOLE   3,660 0 0
FISERV Common Stock 337738108 43 400 SH   DFND 1 0 400 0
FISERV Common Stock 337738108 92 850 SH   DFND 14 0 850 0
FISERV Common Stock 337738108 11 100 SH   DFND 5 0 100 0
JOHNSON & JOHNSON Common Stock 478160104 297 2,450 SH   SOLE   2,450 0 0
JOHNSON & JOHNSON Common Stock 478160104 76 630 SH   DFND 1 0 630 0
JOHNSON & JOHNSON Common Stock 478160104 45 375 SH   DFND 14 0 375 0
JOHNSON & JOHNSON Common Stock 478160104 16 130 SH   DFND 5 0 130 0
MASTERCARD Common Stock 57636q104 239 2,715 SH   SOLE   2,715 0 0
MASTERCARD Common Stock 57636q104 26 300 SH   DFND 1 0 300 0
MASTERCARD Common Stock 57636q104 75 850 SH   DFND 14 0 850 0
MASTERCARD Common Stock 57636q104 9 105 SH   DFND 5 0 105 0
NESTLE SA ADR Common Stock 641069406 186 2,400 SH   SOLE   2,400 0 0
NESTLE SA ADR Common Stock 641069406 85 1,100 SH   DFND 1 0 1,100 0
NESTLE SA ADR Common Stock 641069406 45 580 SH   DFND 14 0 580 0
NESTLE SA ADR Common Stock 641069406 12 150 SH   DFND 5 0 150 0
NOVARTIS AG ADR Common Stock 66987V109 207 2,510 SH   SOLE   2,510 0 0
NOVARTIS AG ADR Common Stock 66987V109 41 500 SH   DFND 1 0 500 0
NOVARTIS AG ADR Common Stock 66987V109 54 650 SH   DFND 14 0 650 0
NOVARTIS AG ADR Common Stock 66987V109 12 150 SH   DFND 5 0 150 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 192 1,817 SH   SOLE   1,817 0 0
PEPSICO Common Stock 713448108 44 415 SH   DFND 1 0 415 0
PROCTER & GAMBLE Common Stock 742718109 239 2,820 SH   SOLE   2,820 0 0
PROCTER & GAMBLE Common Stock 742718109 68 800 SH   DFND 1 0 800 0
PROCTER & GAMBLE Common Stock 742718109 42 500 SH   DFND 14 0 500 0
PROCTER & GAMBLE Common Stock 742718109 15 175 SH   DFND 5 0 175 0
ROCKWELL AUTOMATION Common Stock 773903109 107 930 SH   SOLE   930 0 0
ROCKWELL AUTOMATION Common Stock 773903109 63 550 SH   DFND 1 0 550 0
ROCKWELL AUTOMATION Common Stock 773903109 57 495 SH   DFND 14 0 495 0
ROCKWELL AUTOMATION Common Stock 773903109 10 90 SH   DFND 5 0 90 0
SCHLUMBERGER Common Stock 806857108 149 1,890 SH   SOLE   1,890 0 0
SCHLUMBERGER Common Stock 806857108 38 475 SH   DFND 1 0 475 0
SCHLUMBERGER Common Stock 806857108 45 565 SH   DFND 14 0 565 0
SCHLUMBERGER Common Stock 806857108 11 140 SH   DFND 5 0 140 0
UNILEVER PLC NEW ADR Common Stock 904767704 98 2,040 SH   SOLE   2,040 0 0
UNILEVER PLC NEW ADR Common Stock 904767704 59 1,225 SH   DFND 1 0 1,225 0
UNILEVER PLC NEW ADR Common Stock 904767704 46 950 SH   DFND 14 0 950 0
UNILEVER PLC NEW ADR Common Stock 904767704 12 250 SH   DFND 5 0 250 0
UNITED TECHNOLOGIES Common Stock 913017109 188 1,835 SH   SOLE   1,835 0 0
UNITED TECHNOLOGIES Common Stock 913017109 56 550 SH   DFND 1 0 550 0
UNITED TECHNOLOGIES Common Stock 913017109 49 475 SH   DFND 14 0 475 0
UNITED TECHNOLOGIES Common Stock 913017109 8 80 SH   DFND 5 0 80 0