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 CO Common 88579Y101 622 3,131 SH   DFND   3,131 0 0
A T & T INC Common 00206R102 2,545 88,436 SH   DFND   88,436 0 0
ABBOTT LABS Common 002824100 752 6,483 SH   DFND   6,483 0 0
ABBVIE INC Common 00287Y109 680 6,034 SH   DFND   6,034 0 0
AIR PRODS & CHEMS INC Common 009158106 398 1,384 SH   DFND   1,384 0 0
ALBEMARLE CORP Common 012653101 1,616 9,595 SH   DFND   9,595 0 0
ALLETE INC COM NEW 018522300 210 3,003 SH   DFND   3,003 0 0
ALPHABET INC CAP STK CL A 02079K305 6,561 2,687 SH   DFND   2,687 0 0
ALPHABET INC CAP STK CL C 02079K107 3,173 1,266 SH   DFND   1,266 0 0
ALTRIA GROUP INC Common 02209S103 1,114 23,367 SH   DFND   23,367 0 0
AMAZON COM INC Common 023135106 2,061 599 SH   DFND   599 0 0
APPLE INC Common 037833100 11,601 84,707 SH   DFND   84,707 0 0
APPLIED MATLS INC Common 038222105 2,179 15,300 SH   DFND   15,300 0 0
AUTOMATIC DATA PROCESSING INC Common 053015103 553 2,783 SH   DFND   2,783 0 0
AVANGRID INC Common 05351W103 1,284 24,970 SH   DFND   24,970 0 0
BK OF AMERICA CORP Common 060505104 2,754 66,795 SH   DFND   66,795 0 0
BCE INC COMMON NEW 05534B760 2,018 40,925 SH   DFND   40,925 0 0
BERKSHIRE HATHAWAY INC DEL CL B New 084670702 357 1,283 SH   DFND   1,283 0 0
BRISTOL-MYERS SQUIBB CO Common 110122108 3,777 56,529 SH   DFND   56,529 0 0
CAPITAL ONE FINL CORP Common 14040H105 237 1,534 SH   DFND   1,534 0 0
CATERPILLAR INC Common 149123101 740 3,400 SH   DFND   3,400 0 0
CHEVRON CORP NEW Common 166764100 430 4,102 SH   DFND   4,102 0 0
COCA COLA CO Common 191216100 695 12,835 SH   DFND   12,835 0 0
COLGATE PALMOLIVE CO Common 194162103 540 6,636 SH   DFND   6,636 0 0
CONAGRA BRANDS INC Common 205887102 1,754 48,205 SH   DFND   48,205 0 0
CONSOLIDATED EDISON INC Common 209115104 405 5,645 SH   DFND   5,645 0 0
COSTCO WHSL CORP NEW Common 22160K105 230 581 SH   DFND   581 0 0
DISNEY WALT CO Common 254687106 3,202 18,217 SH   DFND   18,217 0 0
DOMINION ENERGY INC Common 25746U109 337 4,585 SH   DFND   4,585 0 0
DUKE ENERGY CORP NEW COMMON NEW 26441C204 230 2,325 SH   DFND   2,325 0 0
EMERSON ELEC CO Common 291011104 245 2,548 SH   DFND   2,548 0 0
ENTERPRISE PRODS PARTNERS LP Common 293792107 511 21,160 SH   DFND   21,160 0 0
ESSENTIAL UTILS INC Common 29670G102 271 5,930 SH   DFND   5,930 0 0
EXXON MOBIL CORP Common 30231G102 2,275 36,073 SH   DFND   36,073 0 0
FACEBOOK INC CL A 30303M102 3,114 8,956 SH   DFND   8,956 0 0
GENERAL ELECTRIC CO Common 369604103 336 24,935 SH   DFND   24,935 0 0
HOME DEPOT INC Common 437076102 3,027 9,493 SH   DFND   9,493 0 0
HONEYWELL INTL INC Common 438516106 309 1,407 SH   DFND   1,407 0 0
INTEL CORP Common 458140100 309 5,495 SH   DFND   5,495 0 0
INTERNATIONAL BUSINESS MACHS Common 459200101 2,887 19,696 SH   DFND   19,696 0 0
INVESCO QQQ TR Unit Ser 1 46090E103 425 1,200 SH   DFND   1,200 0 0
INVESCO EXCHANGE TRADED FD T WILDERHIL CLAN 46137V134 665 7,135 SH   DFND   7,135 0 0
ISHARES TR EXPANDED TECH 464287515 273 700 SH   DFND   700 0 0
JOHNSON & JOHNSON Common 478160104 5,441 33,029 SH   DFND   33,029 0 0
JPMORGAN CHASE & CO Common 46625H100 471 3,031 SH   DFND   3,031 0 0
KINDER MORGAN INC DEL Common 49456B101 612 33,554 SH   DFND   33,554 0 0
MCDONALDS CORP Common 580135101 416 1,800 SH   DFND   1,800 0 0
MCKESSON CORP Common 58155Q103 705 3,684 SH   DFND   3,684 0 0
MERCK & CO. INC Common 58933Y105 2,918 37,517 SH   DFND   37,517 0 0
METLIFE INC Common 59156R108 1,487 24,848 SH   DFND   24,848 0 0
MICROSOFT CORP Common 594918104 711 2,624 SH   DFND   2,624 0 0
MONDELEZ INTL INC CL A 609207105 3,888 62,262 SH   DFND   62,262 0 0
NEXTERA ENERGY INC Common 65339F101 350 4,774 SH   DFND   4,774 0 0
NIKE INC CL B 654106103 214 1,384 SH   DFND   1,384 0 0
ORACLE CORP Common 68389X105 629 8,080 SH   DFND   8,080 0 0
PAYCHEX INC Common 704326107 590 5,500 SH   DFND   5,500 0 0
PAYPAL HLDGS INC Common 70450Y103 283 972 SH   DFND   972 0 0
PEOPLES UNITED FINANCIAL INC Common 712704105 1,586 92,510 SH   DFND   92,510 0 0
PEPSICO INC Common 713448108 4,640 31,314 SH   DFND   31,314 0 0
PFIZER INC Common 717081103 717 18,299 SH   DFND   18,299 0 0
PHILIP MORRIS INTL INC Common 718172109 1,343 13,553 SH   DFND   13,553 0 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 3,590 35,205 SH   DFND   35,205 0 0
PPG INDS INC Common 693506107 603 3,550 SH   DFND   3,550 0 0
PPL CORP Common 69351T106 1,274 45,558 SH   DFND   45,558 0 0
PROCTER AND GAMBLE CO Common 742718109 761 5,638 SH   DFND   5,638 0 0
RAYTHEON TECHNOLOGIES CORP Common 75513E101 3,295 38,628 SH   DFND   38,628 0 0
SALESFORCE COM INC Common 79466L302 1,702 6,967 SH   DFND   6,967 0 0
SPDR GOLD TR GOLD SHS 78463V107 1,872 11,305 SH   DFND   11,305 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,899 4,436 SH   DFND   4,436 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&P DCRP 78467Y107 2,976 6,061 SH   DFND   6,061 0 0
STRYKER CORPORATION Common 863667101 294 1,132 SH   DFND   1,132 0 0
UNITED PARCEL SERVICE INC CL B 911312106 3,062 14,725 SH   DFND   14,725 0 0
US BANCORP DEL Com New 902973304 377 6,612 SH   DFND   6,612 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 212 3,350 SH   DFND   3,350 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702 540 1,355 SH   DFND   1,355 0 0
VERIZON COMMUNICATIONS INC Common 92343V104 1,623 28,973 SH   DFND   28,973 0 0
VISA INC COM CL A 92826C839 231 990 SH   DFND   990 0 0
WALMART INC Common 931142103 396 2,806 SH   DFND   2,806 0 0
WATERS CORP Common 941848103 588 1,700 SH   DFND   1,700 0 0
WORKDAY INC CL A 98138H101 674 2,825 SH   DFND   2,825 0 0