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
MICROSOFT CORP COM 594918104 7,518 22,374 SH   SOLE   22,374 0 0
NIKE INC COM 654106103 2,741 16,396 SH   SOLE   16,396 0 0
NOVO NORDISH A/S ADR COM 670100205 1,410 12,593 SH   SOLE   12,593 0 0
PEPSICO INC COM 713448108 1,946 11,179 SH   SOLE   11,179 0 0
PFIZER INC COM 717081103 2,797 47,358 SH   SOLE   47,358 0 0
PROCTER AND GAMBLE COM 742718109 2,394 14,676 SH   SOLE   14,676 0 0
PRUDENTIAL FINANCIAL INC COM 744320102 1,621 14,968 SH   SOLE   14,968 0 0
QUALCOMM INC COM 747525103 3,941 21,546 SH   SOLE   21,546 0 0
RELX PLC SPON ADR COM 759530108 1,067 32,803 SH   SOLE   32,803 0 0
ROSS STORES INC COM 778296103 1,483 13,015 SH   SOLE   13,015 0 0
ROYAL DUTCH SHELL PLC COM 780259206 642 14,878 SH   SOLE   14,878 0 0
SAP AG-SPONS ADR COM 803054204 1,786 12,734 SH   SOLE   12,734 0 0
STARBUCKS CORP COM 855244109 2,591 22,135 SH   SOLE   22,135 0 0
STRYKER CORP COM 863667101 2,406 9,027 SH   SOLE   9,027 0 0
TJX COMPANIES INC COM 872540109 2,710 35,716 SH   SOLE   35,716 0 0
TEXAS INSTRUMENTS COM 882508104 2,320 12,307 SH   SOLE   12,307 0 0
UNILEVER PLC-ADR COM 904767704 798 14,885 SH   SOLE   14,885 0 0
ABB LTD SPONSORED ADR COM 000375204 963 25,276 SH   SOLE   25,276 0 0
ALPHABET INC CAP STK CL A 02079K305 6,372 2,200 SH   SOLE   2,200 0 0
AMGEN INC COM 031162100 1,206 5,367 SH   SOLE   5,367 0 0
APPLE INC COM 037833100 7,070 39,823 SH   SOLE   39,823 0 0
ASTRAZENECA SPONSORED ADR 046353108 351 5,989 SH   SOLE   5,989 0 0
AUTOLIV INC COM 052800109 474 4,546 SH   SOLE   4,546 0 0
BANK OF AMERICA CORP COM 060505104 3,820 85,846 SH   SOLE   85,846 0 0
BAXTER INTERNATIONAL INC COM 071813109 1,658 19,302 SH   SOLE   19,302 0 0
BECTON DICKINSON AND CO COM 075887109 1,751 6,942 SH   SOLE   6,942 0 0
BLACKROCK INC COM 09247X101 2,832 3,093 SH   SOLE   3,093 0 0
CISCO SYSTEMS INC COM 17275R102 2,243 35,413 SH   SOLE   35,413 0 0
COSTCO WHOLESALE CORPORATION COM 22160K105 3,334 5,868 SH   SOLE   5,868 0 0
DIAGEO PLC-ADR COM 25243Q205 1,168 5,311 SH   SOLE   5,311 0 0
EQUINOR ASA NPV - ADR SPONSORED ADR 29446M102 743 28,141 SH   SOLE   28,141 0 0
GLAXOSMITHKL-ADR COM 37733W105 433 9,777 SH   SOLE   9,777 0 0
JPMORGAN CHASE & CO COM 46625H100 3,616 22,817 SH   SOLE   22,817 0 0
MASTERCARD INC COM 57636Q104 4,422 12,317 SH   SOLE   12,317 0 0
NEXTERA ENERGY INC COM 65339F101 2,628 28,094 SH   SOLE   28,094 0 0
NOVARTIS AG-ADR COM 66987V109 579 6,686 SH   SOLE   6,686 0 0
SANOFI-AVENTIS-ADR COM 80105N105 754 15,025 SH   SOLE   15,025 0 0
UNITEDHEALTH GROUP COM 91324P102 4,259 8,466 SH   SOLE   8,466 0 0
VALERO ENERGY CORP COM 91913Y100 1,416 18,885 SH   SOLE   18,885 0 0
ACCENTURE PLC - CL A COM G1151C101 5,665 13,668 SH   SOLE   13,668 0 0
EATON CORP PLC COM G29183103 4,358 25,220 SH   SOLE   25,220 0 0
MEDTRONIC PLC COM G5960L103 1,837 17,723 SH   SOLE   17,723 0 0
NVENT ELECTRIC PLC COM G6700G107 459 11,988 SH   SOLE   11,988 0 0
TE CONNECTIVITY LTD COM H84989104 1,105 6,839 SH   SOLE   6,839 0 0
ASML HOLDING NV COM N07059210 3,979 4,997 SH   SOLE   4,997 0 0
TRUIST FINL CORP COM 89832Q109 2,451 41,900 SH   SOLE   41,900 0 0
OTIS WORLDWIDE CORP COM 68902V107 3 36 SH   SOLE   36 0 0
BROADCOM INC COM 11135F101 3,690 5,542 SH   SOLE   5,542 0 0
TARGET CORPORATION COM 87612E106 2,722 11,759 SH   SOLE   11,759 0 0
LINDE PLC SHS G5494J103 832 2,412 SH   SOLE   2,412 0 0
UNION PACIFIC CORPORATION COM 907818108 2,786 11,048 SH   SOLE   11,048 0 0
CSX CORP COM 126408103 2,947 78,290 SH   SOLE   78,290 0 0
COCA COLA CO COM 191216100 1,615 27,334 SH   SOLE   27,334 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109 2,153 10,088 SH   SOLE   10,088 0 0
LILLY ELI AND CO COM 532457108 2,328 8,439 SH   SOLE   8,439 0 0
CHEVRON CORP COM 166764100 2,462 20,993 SH   SOLE   20,993 0 0
WALT DISNEY CO COM 254687106 2,887 18,651 SH   SOLE   18,651 0 0
HOME DEPOT INC COM 437076102 3,000 7,228 SH   SOLE   7,228 0 0
JOHNSON & JOHNSON COM 478160104 2,227 13,013 SH   SOLE   13,013 0 0
PROSHARES SNP 500 DIVIDEND ARISTROC S&P 500 DV ARIST 74348A467 1,816 18,510 SH   SOLE   18,510 0 0
BRITISH AMERICAN TOBACCO PLC ADR SPONSORED ADR 110448107 748 19,923 SH   SOLE   19,923 0 0
EQUIFAX INC COM 294429105 2,085 7,137 SH   SOLE   7,137 0 0
ANALOG DEVICES INC COM 032654105 1,505 8,581 SH   SOLE   8,581 0 0
MCDONALDS CORP COM 580135101 2,615 9,739 SH   SOLE   9,739 0 0
ALPHABET INC CAP STK CL C 02079K107 528 181 SH   DFND 1 0 181 0
ALPHABET INC CAP STK CL A 02079K305 1,856 636 SH   DFND 1 0 636 0
AMAZON COM INC COM 023135106 1,978 588 SH   DFND 1 0 588 0
APPLE INC COM 037833100 4,794 26,872 SH   DFND 1 0 26,872 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 150 500 SH   DFND 1 0 500 0
BLACKROCK INC COM 09247X101 903 989 SH   DFND 1 0 989 0
BOEING CO COM 097023105 51 250 SH   DFND 1 0 250 0
CHEVRON CORP COM 166764100 123 1,050 SH   DFND 1 0 1,050 0
DEERE & CO COM 244199105 218 636 SH   DFND 1 0 636 0
EXXON MOBIL CORP COM 30231G102 27 440 SH   DFND 1 0 440 0
GENERAL ELECTRIC CO COM NEW 369604301 30 319 SH   DFND 1 0 319 0
GILEAD SCIENCES INC COM 375558103 51 700 SH   DFND 1 0 700 0
HOME DEPOT INC COM 437076102 915 2,221 SH   DFND 1 0 2,221 0
ISHARES TR US MED DVC ETF 464288810 1,237 18,724 SH   DFND 1 0 18,724 0
JPMORGAN CHASE & CO COM 46625H100 1,078 6,804 SH   DFND 1 0 6,804 0
JOHNSON & JOHNSON COM 478160104 965 5,620 SH   DFND 1 0 5,620 0
LAUDER ESTEE COS INC CL A 518439104 994 2,693 SH   DFND 1 0 2,693 0
MICROSOFT CORP COM 594918104 4,565 13,459 SH   DFND 1 0 13,459 0
PROCTER AND GAMBLE CO COM 742718109 930 5,689 SH   DFND 1 0 5,689 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 59 690 SH   DFND 1 0 690 0
SALESFORCE COM INC COM 79466L302 229 900 SH   DFND 1 0 900 0
TESLA INC COM 88160R101 1,357 1,267 SH   DFND 1 0 1,267 0
TWITTER INC COM 90184L102 1,842 42,370 SH   DFND 1 0 42,370 0
UNION PAC CORP COM 907818108 917 3,656 SH   DFND 1 0 3,656 0
UNITEDHEALTH GROUP COM 91324P102 976 1,936 SH   DFND 1 0 1,936 0
VERTEX PHARMACEUTICALS INC COM 92532F100 166 750 SH   DFND 1 0 750 0
VISA INC COM CL A 92826C839 834 3,835 SH   DFND 1 0 3,835 0
NORWEGIAN CRUISE LINE HLDG L SHS G66721 90 4 G66721104 21 1,000 SH   DFND 1 0 1,000 0