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
ABB LTD SPONSORED ADR COM 000375204 879 27,216 SH   SOLE 0 27,216 0 0
ALPHABET INC-CL A COM 02079K305 6,424 2,308 SH   SOLE 0 2,308 0 0
AMAZONCOM INC COM 023135106 1,495 458 SH   SOLE 0 458 0 0
AMGEN INC COM 031162100 1,367 5,647 SH   SOLE 0 5,647 0 0
ANALOG DEVICES INC COM 032654105 1,493 9,053 SH   SOLE 0 9,053 0 0
APPLE INC COM 037833100 7,287 41,736 SH   SOLE 0 41,736 0 0
ASTRAZENECA-ADR SPONSORED ADR 046353108 425 6,447 SH   SOLE 0 6,447 0 0
AUTOLIV INC COM 052800109 376 4,914 SH   SOLE 0 4,914 0 0
BANK OF AMERICA CORP COM 060505104 3,704 90,027 SH   SOLE 0 90,027 0 0
BAXTER INTERNATIONAL INC COM 071813109 1,567 20,247 SH   SOLE 0 20,247 0 0
BECTON DICKINSON AND CO COM 075887109 1,943 7,284 SH   SOLE 0 7,284 0 0
BLACKROCK INC COM 09247X101 2,927 3,833 SH   SOLE 0 3,833 0 0
BRITISH AMERICAN TOBACCO PLC ADR SPONSORED ADR 110448107 903 21,351 SH   SOLE 0 21,351 0 0
BROADCOM INC COM 11135F101 3,657 5,808 SH   SOLE 0 5,808 0 0
CSX CORP COM 126408103 3,076 82,103 SH   SOLE 0 82,103 0 0
CHEVRON CORP COM 166764100 3,582 21,998 SH   SOLE 0 21,998 0 0
CISCO SYSTEMS INC COM 17275R102 2,089 37,452 SH   SOLE 0 37,452 0 0
COCA COLA CO COM 191216100 1,785 28,798 SH   SOLE 0 28,798 0 0
COSTCO WHOLESALE CORPORATION COM 22160K105 3,541 6,152 SH   SOLE 0 6,152 0 0
DIAGEO PLC-ADR COM 25243Q205 1,159 5,717 SH   SOLE 0 5,717 0 0
WALT DISNEY CO COM 254687106 2,684 19,544 SH   SOLE 0 19,544 0 0
EQUIFAX INC COM 294429105 1,776 7,485 SH   SOLE 0 7,485 0 0
EQUINOR ASA NPV - ADR SPONSORED ADR 29446M102 1,131 30,239 SH   SOLE 0 30,239 0 0
GLAXOSMITHKL-ADR COM 37733W105 456 10,488 SH   SOLE 0 10,488 0 0
HOME DEPOT INC COM 437076102 2,564 8,572 SH   SOLE 0 8,572 0 0
JP MORGAN CHASE -N- CO COM 46625H100 3,687 27,038 SH   SOLE 0 27,038 0 0
JOHNSON AND JOHNSON COM 478160104 2,417 13,629 SH   SOLE 0 13,629 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109 2,624 10,571 SH   SOLE 0 10,571 0 0
LILLY ELI AND CO COM 532457108 2,528 8,845 SH   SOLE 0 8,845 0 0
MASTERCARD INC COM 57636Q104 4,624 12,937 SH   SOLE 0 12,937 0 0
MCDONALDS CORP COM 580135101 2,529 10,226 SH   SOLE 0 10,226 0 0
MICROSOFT CORP COM 594918104 7,221 23,442 SH   SOLE 0 23,442 0 0
NEXTERA ENERGY INC COM 65339F101 2,488 29,437 SH   SOLE 0 29,437 0 0
NIKE INC COM 654106103 2,322 17,244 SH   SOLE 0 17,244 0 0
NOVARTIS AG-ADR COM 66987V109 631 7,222 SH   SOLE 0 7,222 0 0
NOVO NORDISH A/S ADR COM 670100205 1,504 13,569 SH   SOLE 0 13,569 0 0
PEPSICO INC COM 713448108 1,966 11,731 SH   SOLE 0 11,731 0 0
PFIZER INC COM 717081103 2,568 49,644 SH   SOLE 0 49,644 0 0
PROCTER AND GAMBLE COM 742718109 2,346 15,365 SH   SOLE 0 15,365 0 0
PROSHARES SNP 500 DIVIDEND ARISTROC S&P 500 DV ARIST 74348A467 1,849 19,474 SH   SOLE 0 19,474 0 0
PRUDENTIAL FINANCIAL INC COM 744320102 1,841 15,628 SH   SOLE 0 15,628 0 0
QUALCOMM INC COM 747525103 3,451 22,587 SH   SOLE 0 22,587 0 0
RELX PLC SPON ADR COM 759530108 1,097 35,323 SH   SOLE 0 35,323 0 0
SANOFI-AVENTIS-ADR COM 80105N105 833 16,209 SH   SOLE 0 16,209 0 0
SAP AG-SPONS ADR COM 803054204 1,490 13,448 SH   SOLE 0 13,448 0 0
STARBUCKS CORP COM 855244109 2,121 23,340 SH   SOLE 0 23,340 0 0
STRYKER CORP COM 863667101 2,526 9,461 SH   SOLE 0 9,461 0 0
TJX COMPANIES INC COM 872540109 2,272 37,442 SH   SOLE 0 37,442 0 0
TARGET CORPORATION COM 87612E106 2,653 12,494 SH   SOLE 0 12,494 0 0
TEXAS INSTRUMENTS COM 882508104 2,365 12,905 SH   SOLE 0 12,905 0 0
TRUIST FINL CORP COM 89832Q109 2,492 44,069 SH   SOLE 0 44,069 0 0
UNILEVER PLC-ADR COM 904767704 732 16,054 SH   SOLE 0 16,054 0 0
UNION PACIFIC CORPORATION COM 907818108 3,164 11,578 SH   SOLE 0 11,578 0 0
UNITEDHEALTH GROUP COM 91324P102 4,525 8,871 SH   SOLE 0 8,871 0 0
VALERO ENERGY CORP COM 91913Y100 2,435 24,018 SH   SOLE 0 24,018 0 0
ACCENTURE PLC - CL A COM G1151C101 4,892 14,516 SH   SOLE 0 14,516 0 0
EATON CORP PLC COM G29183103 4,055 26,694 SH   SOLE 0 26,694 0 0
LINDE PLC SHS G5494J103 834 2,616 SH   SOLE 0 2,616 0 0
MEDTRONIC PLC COM G5960L103 2,079 18,688 SH   SOLE 0 18,688 0 0
NVENT ELECTRIC PLC COM G6700G107 444 12,827 SH   SOLE 0 12,827 0 0
TE CONNECTIVITY LTD COM H84989104 968 7,363 SH   SOLE 0 7,363 0 0
ALPHABET INC CAP STK CL C 02079K107 2,309 814 SH   DFND 1 0 814 0
ALPHABET INC CAP STK CL A 02079K305 113 40 SH   DFND 1 0 40 0
AMAZON COM INC COM 023135106 2,078 625 SH   DFND 1 0 625 0
AMERICAN TOWER CORP NEW COM 03027X100 78 312 SH   DFND 1 0 312 0
APPLE INC COM 037833100 4,969 28,058 SH   DFND 1 0 28,058 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,962 5,524 SH   DFND 1 0 5,524 0
BLACKROCK INC COM 09247X101 834 1,081 SH   DFND 1 0 1,081 0
BOEING CO COM 097023105 30 155 SH   DFND 1 0 155 0
BOOKING HOLDINGS INC COM 09857L108 47 20 SH   DFND 1 0 20 0
CHEVRON CORP NEW COM 166764100 172 1,050 SH   DFND 1 0 1,050 0
CITIGROUP INC COM NEW 172967424 20 365 SH   DFND 1 0 365 0
DEERE & CO COM 244199105 157 378 SH   DFND 1 0 378 0
DISNEY WALT CO COM 254687106 587 4,187 SH   DFND 1 0 4,187 0
EXXON MOBIL CORP COM 30231G102 1,080 13,024 SH   DFND 1 0 13,024 0
HOME DEPOT INC COM 437076102 749 2,429 SH   DFND 1 0 2,429 0
ISHARES TR US CONSUM DISCRE 464287580 20 260 SH   DFND 1 0 260 0
ISHARES TR RUSSELL 2000 ETF 464287655 34 164 SH   DFND 1 0 164 0
ISHARES TR US MED DVC ETF 464288810 347 5,666 SH   DFND 1 0 5,666 0
JPMORGAN CHASE & CO COM 46625H100 976 7,003 SH   DFND 1 0 7,003 0
JOHNSON & JOHNSON COM 478160104 1,004 5,637 SH   DFND 1 0 5,637 0
LAUDER ESTEE COS INC CL A 518439104 98 350 SH   DFND 1 0 350 0
MICROSOFT CORP COM 594918104 2,469 7,899 SH   DFND 1 0 7,899 0
NVIDIA CORPORATION COM 67066G104 1,223 4,386 SH   DFND 1 0 4,386 0
PROCTER AND GAMBLE CO COM 742718109 961 6,233 SH   DFND 1 0 6,233 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 40 400 SH   DFND 1 0 400 0
SALESFORCE COM INC COM 79466L302 195 900 SH   DFND 1 0 900 0
SCHLUMBERGER LTD COM STK 806857108 742 17,648 SH   DFND 1 0 17,648 0
TESLA INC COM 88160R101 111 102 SH   DFND 1 0 102 0
THERMO FISHER SCIENTIFIC INC COM 883556102 19 32 SH   DFND 1 0 32 0
UNION PAC CORP COM 907818108 1,205 4,388 SH   DFND 1 0 4,388 0
UNITEDHEALTH GROUP INC COM 91324P102 995 1,936 SH   DFND 1 0 1,936 0
VERTEX PHARMACEUTICALS INC COM 92532F100 150 579 SH   DFND 1 0 579 0
VIATRIS INC COM 92556V106 2 149 SH   DFND 1 0 149 0
VISA INC COM CL A 92826C839 81 359 SH   DFND 1 0 359 0
NORWEGIAN CRUISE LINE HLDG L SHS G66721104 21 1,000 SH   DFND 1 0 1,000 0