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 552 3,109 SH   DFND   3,109 0 0
A T & T INC Common 00206R102 1,823 74,096 SH   DFND   74,096 0 0
ABBOTT LABS Common 002824100 934 6,638 SH   DFND   6,638 0 0
ABBVIE INC Common 00287Y109 844 6,234 SH   DFND   6,234 0 0
AIR PRODS & CHEMS INC Common 009158106 421 1,384 SH   DFND   1,384 0 0
ALBEMARLE CORP Common 012653101 2,223 9,510 SH   DFND   9,510 0 0
ALPHABET INC CAP STK CL A 02079K305 7,193 2,483 SH   DFND   2,483 0 0
ALPHABET INC CAP STK CL C 02079K107 2,500 864 SH   DFND   864 0 0
ALTRIA GROUP INC Common 02209S103 1,027 21,667 SH   DFND   21,667 0 0
AMAZON COM INC Common 023135106 1,080 324 SH   DFND   324 0 0
APPLE INC Common 037833100 14,873 83,757 SH   DFND   83,757 0 0
APPLIED MATLS INC Common 038222105 2,408 15,300 SH   DFND   15,300 0 0
AUTOMATIC DATA PROCESSING INC Common 053015103 678 2,748 SH   DFND   2,748 0 0
AVANGRID INC Common 05351W103 831 16,670 SH   DFND   16,670 0 0
BK OF AMERICA CORP Common 060505104 2,977 66,915 SH   DFND   66,915 0 0
BCE INC COM NEW 05534B760 2,138 41,075 SH   DFND   41,075 0 0
BERKSHIRE HATHAWAY INC DEL CL B New 084670702 402 1,343 SH   DFND   1,343 0 0
BRISTOL-MYERS SQUIBB CO Common 110122108 2,915 46,759 SH   DFND   46,759 0 0
CAPITAL ONE FINL CORP Common 14040H105 223 1,534 SH   DFND   1,534 0 0
CATERPILLAR INC Common 149123101 703 3,400 SH   DFND   3,400 0 0
CHEVRON CORP NEW Common 166764100 481 4,102 SH   DFND   4,102 0 0
COCA COLA CO Common 191216100 767 12,953 SH   DFND   12,953 0 0
COLGATE PALMOLIVE CO Common 194162103 566 6,636 SH   DFND   6,636 0 0
CONAGRA BRANDS INC Common 205887102 1,166 34,155 SH   DFND   34,155 0 0
CONSOLIDATED EDISON INC Common 209115104 482 5,645 SH   DFND   5,645 0 0
CONSTELLATION BRANDS CL A 21036P108 258 1,030 SH   DFND   1,030 0 0
COSTCO WHSL CORP NEW Common 22160K105 318 561 SH   DFND   561 0 0
CSX CORP Common 126408103 252 6,710 SH   DFND   6,710 0 0
DIAGEO PLC SPON ADR NEW 25243Q205 207 940 SH   DFND   940 0 0
DOMINION ENERGY INC Common 25746U109 367 4,675 SH   DFND   4,675 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 244 2,325 SH   DFND   2,325 0 0
EMERSON ELEC CO Common 291011104 237 2,548 SH   DFND   2,548 0 0
ENTERPRISE PRODS PARTNERS LP Common 293792107 465 21,160 SH   DFND   21,160 0 0
ESSENTIAL UTILS INC Common 29670G102 318 5,930 SH   DFND   5,930 0 0
EXXON MOBIL CORP Common 30231G102 2,080 33,987 SH   DFND   33,987 0 0
GENERAL ELECTRIC CO COM NEW 369604301 319 3,381 SH   DFND   3,381 0 0
HOME DEPOT INC Common 437076102 3,968 9,561 SH   DFND   9,561 0 0
HONEYWELL INTL INC Common 438516106 293 1,403 SH   DFND   1,403 0 0
INTEL CORP Common 458140100 283 5,495 SH   DFND   5,495 0 0
INTERNATIONAL BUSINESS MACHS Common 459200101 2,792 20,886 SH   DFND   20,886 0 0
INVESCO QQQ TR Unit Ser 1 46090E103 477 1,200 SH   DFND   1,200 0 0
INVESCO S&P 500 PURE GROWTH ETF S&P500 PUR GWT 46137V266 216 1,025 SH   DFND   1,025 0 0
INVESCO EXCHANGE TRADED FD T WILDERHIL CLAN 46137V134 510 7,135 SH   DFND   7,135 0 0
ISHARES TR EXPANDED TECH 464287515 278 700 SH   DFND   700 0 0
JOHNSON & JOHNSON Common 478160104 5,640 32,967 SH   DFND   32,967 0 0
JPMORGAN CHASE & CO Common 46625H100 480 3,031 SH   DFND   3,031 0 0
KINDER MORGAN INC DEL Common 49456B101 654 41,238 SH   DFND   41,238 0 0
LIFE STORAGE INC Common 53223X107 276 1,800 SH   DFND   1,800 0 0
MCDONALDS CORP Common 580135101 488 1,822 SH   DFND   1,822 0 0
MCKESSON CORP Common 58155Q103 916 3,684 SH   DFND   3,684 0 0
MERCK & CO. INC Common 58933Y105 2,894 37,767 SH   DFND   37,767 0 0
META PLATFORMS INC CL A 30303M102 2,932 8,718 SH   DFND   8,718 0 0
METLIFE INC Common 59156R108 1,614 25,833 SH   DFND   25,833 0 0
MICROSOFT CORP Common 594918104 908 2,700 SH   DFND   2,700 0 0
MONDELEZ INTL INC CL A 609207105 4,124 62,197 SH   DFND   62,197 0 0
NEXTERA ENERGY INC Common 65339F101 446 4,774 SH   DFND   4,774 0 0
NIKE INC CL B 654106103 231 1,384 SH   DFND   1,384 0 0
ORACLE CORP Common 68389X105 631 7,230 SH   DFND   7,230 0 0
PAYCHEX INC Common 704326107 743 5,440 SH   DFND   5,440 0 0
PEOPLES UNITED FINANCIAL INC Common 712704105 1,627 91,327 SH   DFND   91,327 0 0
PEPSICO INC Common 713448108 5,470 31,490 SH   DFND   31,490 0 0
PFIZER INC Common 717081103 1,108 18,759 SH   DFND   18,759 0 0
PHILIP MORRIS INTL INC Common 718172109 1,245 13,103 SH   DFND   13,103 0 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 3,536 34,820 SH   DFND   34,820 0 0
PPG INDS INC Common 693506107 612 3,550 SH   DFND   3,550 0 0
PPL CORP Common 69351T106 1,389 46,208 SH   DFND   46,208 0 0
PROCTER AND GAMBLE CO Common 742718109 954 5,834 SH   DFND   5,834 0 0
RAYTHEON TECHNOLOGIES CORP Common 75513E101 3,394 39,438 SH   DFND   39,438 0 0
SALESFORCE COM INC Common 79466L302 1,849 7,277 SH   DFND   7,277 0 0
SPDR GOLD TR GOLD SHS 78463V107 1,991 11,648 SH   DFND   11,648 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,059 4,336 SH   DFND   4,336 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&P DCRP 78467Y107 3,192 6,166 SH   DFND   6,166 0 0
STRYKER CORPORATION Common 863667101 296 1,107 SH   DFND   1,107 0 0
SUN COMMUNITIES INC Common 866674104 210 1,000 SH   DFND   1,000 0 0
US BANCORP DEL Com New 902973304 371 6,612 SH   DFND   6,612 0 0
UNITED PARCEL SERVICE INC CL B 911312106 3,198 14,920 SH   DFND   14,920 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 205 3,350 SH   DFND   3,350 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702 621 1,355 SH   DFND   1,355 0 0
VERIZON COMMUNICATIONS INC Common 92343V104 1,545 29,739 SH   DFND   29,739 0 0
VISA INC COM CL A 92826C839 220 1,015 SH   DFND   1,015 0 0
WALMART INC Common 931142103 427 2,954 SH   DFND   2,954 0 0
DISNEY WALT CO Common 254687106 2,799 18,072 SH   DFND   18,072 0 0
WASTE MGMT INC DEL Common 94106L109 238 1,425 SH   DFND   1,425 0 0
WATERS CORP Common 941848103 633 1,700 SH   DFND   1,700 0 0
WORKDAY INC CL A 98138H101 772 2,825 SH   DFND   2,825 0 0