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 COM 88579Y101 260 1,350 SH   DFND   350 0 1,000
3M CO COM 88579Y101 383 1,988 SH   SOLE   1,988 0 0
ABBOTT LABS COM 002824100 242 2,026 SH   DFND   2,026 0 0
ABBOTT LABS COM 002824100 417 3,484 SH   SOLE   3,484 0 0
ABBVIE INC COM 00287Y109 108 1,003 SH   SOLE   1,003 0 0
ABBVIE INC COM 00287Y109 95 886 SH   DFND   886 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 35 75 SH   DFND   75 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 1,101 2,317 SH   SOLE   2,317 0 0
ADVANCED MICRO DEVICES INC COM 007903107 328 4,183 SH   SOLE   4,183 0 0
ADVANCED MICRO DEVICES INC COM 007903107 17 225 SH   DFND   225 0 0
AIR PRODS & CHEMS INC COM 009158106 1,455 5,172 SH   SOLE   5,172 0 0
AIR PRODS & CHEMS INC COM 009158106 33 120 SH   DFND   120 0 0
ALLSTATE CORP COM 020002101 705 6,141 SH   SOLE   6,141 0 0
ALLSTATE CORP COM 020002101 14 125 SH   DFND   125 0 0
ALPHABET INC CAP STK CL A 02079K305 2,852 1,383 SH   SOLE   1,383 0 0
ALPHABET INC CAP STK CL A 02079K305 179 87 SH   DFND   87 0 0
AMAZON COM INC COM 023135106 108 35 SH   DFND   35 0 0
AMAZON COM INC COM 023135106 2,280 737 SH   SOLE   737 0 0
AMERICAN EXPRESS CO COM 025816109 5 41 SH   DFND   41 0 0
AMERICAN EXPRESS CO COM 025816109 316 2,237 SH   SOLE   2,237 0 0
AMERICAN TOWER CORP NEW COM 03027X100 7 30 SH   DFND   30 0 0
AMERICAN TOWER CORP NEW COM 03027X100 373 1,561 SH   SOLE   1,561 0 0
AMGEN INC COM 031162100 495 1,992 SH   SOLE   1,992 0 0
APPLE INC COM 037833100 6,442 52,740 SH   SOLE   52,740 0 0
APPLE INC COM 037833100 543 4,452 SH   DFND   4,452 0 0
AT&T INC COM 00206R102 446 14,766 SH   SOLE   13,747 0 1,019
AUTODESK INC COM 052769106 1,241 4,479 SH   SOLE   4,479 0 0
AUTODESK INC COM 052769106 63 229 SH   DFND   229 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 160 850 SH   DFND   850 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 270 1,435 SH   SOLE   1,435 0 0
BADGER METER INC COM 056525108 569 6,116 SH   SOLE   6,116 0 0
BAXTER INTL INC COM 071813109 230 2,730 SH   SOLE   2,730 0 0
BAXTER INTL INC COM 071813109 4 50 SH   DFND   50 0 0
BECTON DICKINSON & CO COM 075887109 24 100 SH   DFND   100 0 0
BECTON DICKINSON & CO COM 075887109 460 1,894 SH   SOLE   1,894 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 35 140 SH   DFND   140 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 521 2,042 SH   SOLE   2,042 0 0
BK OF AMERICA CORP COM 060505104 74 1,931 SH   DFND   1,931 0 0
BK OF AMERICA CORP COM 060505104 2,004 51,815 SH   SOLE   51,815 0 0
BLACKROCK INC COM 09247X101 87 116 SH   DFND   116 0 0
BLACKROCK INC COM 09247X101 1,884 2,500 SH   SOLE   2,500 0 0
BOEING CO COM 097023105 6 26 SH   DFND   26 0 0
BOEING CO COM 097023105 548 2,153 SH   SOLE   2,153 0 0
BOOKING HOLDINGS INC COM 09857L108 23 10 SH   DFND   10 0 0
BOOKING HOLDINGS INC COM 09857L108 736 316 SH   SOLE   316 0 0
CANADIAN PAC RY LTD COM 13645T100 341 900 SH   SOLE   900 0 0
CAPITAL ONE FINL CORP COM 14040H105 400 3,145 SH   SOLE   3,145 0 0
CARMAX INC COM 143130102 225 1,698 SH   SOLE   1,698 0 0
CARMAX INC COM 143130102 6 47 SH   DFND   47 0 0
CATERPILLAR INC COM 149123101 65 281 SH   DFND   281 0 0
CATERPILLAR INC COM 149123101 1,906 8,224 SH   SOLE   8,224 0 0
CHARTER COMMUNICATIONS INC N CL A 16119P108 1,071 1,736 SH   SOLE   1,736 0 0
CHARTER COMMUNICATIONS INC N CL A 16119P108 58 95 SH   DFND   95 0 0
CHEVRON CORP NEW COM 166764100 1,580 15,086 SH   SOLE   15,086 0 0
CHEVRON CORP NEW COM 166764100 163 1,557 SH   DFND   357 0 1,200
CHIPOTLE MEXICAN GRILL INC COM 169656105 355 250 SH   SOLE   250 0 0
CITIGROUP INC COM NEW 172967424 33 454 SH   DFND   454 0 0
CITIGROUP INC COM NEW 172967424 1,104 15,187 SH   SOLE   15,187 0 0
CME GROUP INC COM 12572Q105 356 1,744 SH   SOLE   1,744 0 0
CME GROUP INC COM 12572Q105 21 103 SH   DFND   103 0 0
COLGATE PALMOLIVE CO COM 194162103 252 3,200 SH   DFND   0 0 3,200
CONOCOPHILLIPS COM 20825C104 777 14,676 SH   SOLE   14,676 0 0
CONOCOPHILLIPS COM 20825C104 8 160 SH   DFND   160 0 0
CONSTELLATION BRANDS INC CL A 21036P108 213 935 SH   SOLE   935 0 0
CONSTELLATION BRANDS INC CL A 21036P108 5 26 SH   DFND   26 0 0
COSTCO WHSL CORP NEW COM 22160K105 47 135 SH   DFND   135 0 0
COSTCO WHSL CORP NEW COM 22160K105 1,406 3,991 SH   SOLE   3,991 0 0
CROWN CASTLE INTL CORP NEW COM 22822V101 21 125 SH   DFND   125 0 0
CROWN CASTLE INTL CORP NEW COM 22822V101 431 2,505 SH   SOLE   2,505 0 0
CUMMINS INC COM 231021106 25 100 SH   DFND   100 0 0
CUMMINS INC COM 231021106 902 3,484 SH   SOLE   3,484 0 0
DANAHER CORPORATION COM 235851102 154 685 SH   DFND   685 0 0
DANAHER CORPORATION COM 235851102 90 400 SH   SOLE   400 0 0
DEERE & CO COM 244199105 2,013 5,382 SH   SOLE   5,382 0 0
DEERE & CO COM 244199105 49 132 SH   DFND   132 0 0
DISNEY WALT CO COM 254687106 913 4,949 SH   SOLE   4,949 0 0
DISNEY WALT CO COM 254687106 81 440 SH   DFND   440 0 0
DOW INC COM 260557103 16 257 SH   DFND   257 0 0
DOW INC COM 260557103 636 9,951 SH   SOLE   9,951 0 0
EATON CORP PLC SHS G29183103 283 2,053 SH   SOLE   2,053 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 1,205 14,417 SH   SOLE   14,417 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 50 600 SH   DFND   600 0 0
EXXON MOBIL CORP COM 30231G102 337 6,050 SH   DFND   450 0 5,600
EXXON MOBIL CORP COM 30231G102 188 3,373 SH   SOLE   3,373 0 0
FACEBOOK INC CL A 30303M102 51 175 SH   DFND   175 0 0
FACEBOOK INC CL A 30303M102 1,048 3,559 SH   SOLE   3,559 0 0
FEDEX CORP COM 31428X106 987 3,478 SH   SOLE   3,478 0 0
FEDEX CORP COM 31428X106 30 107 SH   DFND   107 0 0
FLEXSHARES TR HIG YLD VL ETF 33939L662 205 4,149 SH   SOLE   4,149 0 0
GENERAL MLS INC COM 370334104 2,928 47,757 SH   DFND   0 0 47,757
GENERAL MLS INC COM 370334104 272 4,439 SH   SOLE   4,439 0 0
GOLDMAN SACHS ETF TR ACCESS INVT GR 381430479 339 6,360 SH   SOLE   6,360 0 0
HCA HEALTHCARE INC COM 40412C101 905 4,806 SH   SOLE   4,806 0 0
HCA HEALTHCARE INC COM 40412C101 35 190 SH   DFND   190 0 0
HOME DEPOT INC COM 437076102 1,145 3,751 SH   SOLE   3,751 0 0
HOME DEPOT INC COM 437076102 44 145 SH   DFND   145 0 0
INTEL CORP COM 458140100 158 2,480 SH   DFND   2,480 0 0
INTEL CORP COM 458140100 489 7,652 SH   SOLE   7,652 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 199 1,495 SH   SOLE   1,495 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 6 46 SH   DFND   46 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602 44 60 SH   DFND   60 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602 617 835 SH   SOLE   835 0 0
ISHARES INC CORE MSCI EMKT 46434G103 186 2,900 SH   DFND   2,900 0 0
ISHARES INC CORE MSCI EMKT 46434G103 220 3,429 SH   SOLE   3,429 0 0
ISHARES TR CORE S&P SCP ETF 464287804 987 9,100 SH   SOLE   9,100 0 0
ISHARES TR MSCI EAFE ETF 464287465 546 7,200 SH   DFND   7,200 0 0
ISHARES TR MSCI EAFE ETF 464287465 1,817 23,954 SH   SOLE   23,954 0 0
ISHARES TR CORE S&P500 ETF 464287200 2,909 7,314 SH   SOLE   7,314 0 0
ISHARES TR RUS MID CAP ETF 464287499 953 12,900 SH   SOLE   12,900 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 66 300 SH   DFND   300 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 790 3,578 SH   SOLE   3,578 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 271 1,789 SH   SOLE   1,789 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 455 1,874 SH   SOLE   1,874 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516 178 2,350 SH   DFND   2,350 0 0
ISHARES TR MSCI KLD400 SOC 464288570 2,786 36,486 SH   SOLE   36,486 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 634 11,895 SH   SOLE   11,895 0 0
ISHARES TR NATIONAL MUN ETF 464288414 2,198 18,942 SH   SOLE   18,942 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516 151 1,990 SH   SOLE   1,990 0 0
ISHARES TR CALIF MUN BD ETF 464288356 428 6,900 SH   DFND   6,900 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 220 2,558 SH   SOLE   2,558 0 0
ISHARES TR CORE US AGGBD ET 464287226 345 3,035 SH   SOLE   3,035 0 0
ISHARES TR TIPS BD ETF 464287176 3,439 27,404 SH   SOLE   27,339 0 65
ISHARES TR TIPS BD ETF 464287176 87 701 SH   DFND   701 0 0
ISHARES TR JPMORGAN USD EMG 464288281 118 1,090 SH   DFND   1,090 0 0
ISHARES TR CORE MSCI EAFE 46432F842 1,232 17,109 SH   SOLE   17,109 0 0
ISHARES TR US TREAS BD ETF 46429B267 112 4,293 SH   DFND   4,293 0 0
ISHARES TR US TREAS BD ETF 46429B267 6,010 229,489 SH   SOLE   228,897 0 592
ISHARES TR CORE S&P MCP ETF 464287507 510 1,960 SH   SOLE   1,960 0 0
ISHARES TR JPMORGAN USD EMG 464288281 4,270 39,225 SH   SOLE   39,144 0 81
ISHARES TR U.S. TECH ETF 464287721 280 3,200 SH   SOLE   3,200 0 0
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 12,902 257,073 SH   SOLE   256,576 0 497
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 3 69 SH   OTR   69 0 0
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 342 6,823 SH   DFND   6,823 0 0
JOHNSON & JOHNSON COM 478160104 1,585 9,650 SH   SOLE   9,650 0 0
JOHNSON & JOHNSON COM 478160104 374 2,277 SH   DFND   677 0 1,600
JOHNSON CTLS INTL PLC SHS G51502105 405 6,792 SH   SOLE   6,792 0 0
JPMORGAN CHASE & CO COM 46625H100 183 1,204 SH   DFND   1,204 0 0
JPMORGAN CHASE & CO COM 46625H100 2,927 19,233 SH   SOLE   19,233 0 0
KANSAS CITY SOUTHERN COM NEW 485170302 395 1,500 SH   SOLE   1,500 0 0
LAM RESEARCH CORP COM 512807108 2,658 4,467 SH   SOLE   4,467 0 0
LAM RESEARCH CORP COM 512807108 85 144 SH   DFND   144 0 0
LAUDER ESTEE COS INC CL A 518439104 1,239 4,261 SH   SOLE   4,261 0 0
LAUDER ESTEE COS INC CL A 518439104 63 219 SH   DFND   219 0 0
LENNAR CORP CL A 526057104 5 50 SH   DFND   50 0 0
LENNAR CORP CL A 526057104 458 4,527 SH   SOLE   4,527 0 0
LOCKHEED MARTIN CORP COM 539830109 798 2,160 SH   SOLE   2,160 0 0
LOCKHEED MARTIN CORP COM 539830109 12 33 SH   DFND   33 0 0
LULULEMON ATHLETICA INC COM 550021109 9 30 SH   DFND   30 0 0
LULULEMON ATHLETICA INC COM 550021109 513 1,675 SH   SOLE   1,675 0 0
MASTERCARD INCORPORATED CL A 57636Q104 466 1,311 SH   SOLE   1,311 0 0
MASTERCARD INCORPORATED CL A 57636Q104 42 120 SH   DFND   120 0 0
MCDONALDS CORP COM 580135101 1,201 5,361 SH   SOLE   5,361 0 0
MCDONALDS CORP COM 580135101 36 165 SH   DFND   165 0 0
MEDTRONIC PLC SHS G5960L103 398 3,373 SH   SOLE   3,373 0 0
MEDTRONIC PLC SHS G5960L103 5 48 SH   DFND   48 0 0
MERCK & CO. INC COM 58933Y105 35 464 SH   DFND   464 0 0
MERCK & CO. INC COM 58933Y105 1,279 16,592 SH   SOLE   16,592 0 0
MICROSOFT CORP COM 594918104 6,527 27,685 SH   SOLE   27,685 0 0
MICROSOFT CORP COM 594918104 522 2,217 SH   DFND   2,217 0 0
MONDELEZ INTL INC CL A 609207105 232 3,965 SH   SOLE   3,965 0 0
MONDELEZ INTL INC CL A 609207105 73 1,250 SH   DFND   1,250 0 0
MORGAN STANLEY COM NEW 617446448 25 322 SH   DFND   322 0 0
MORGAN STANLEY COM NEW 617446448 658 8,475 SH   SOLE   8,475 0 0
NETFLIX INC COM 64110L106 636 1,220 SH   SOLE   1,220 0 0
NETFLIX INC COM 64110L106 41 80 SH   DFND   80 0 0
NEXTERA ENERGY INC COM 65339F101 677 8,958 SH   SOLE   8,958 0 0
NEXTERA ENERGY INC COM 65339F101 15 200 SH   DFND   200 0 0
NIKE INC CL B 654106103 1,405 10,577 SH   SOLE   10,577 0 0
NIKE INC CL B 654106103 39 300 SH   DFND   300 0 0
NORFOLK SOUTHN CORP COM 655844108 32 122 SH   DFND   122 0 0
NORFOLK SOUTHN CORP COM 655844108 910 3,390 SH   SOLE   3,390 0 0
NUCOR CORP COM 670346105 631 7,872 SH   SOLE   7,872 0 0
NUCOR CORP COM 670346105 27 342 SH   DFND   342 0 0
NVIDIA CORPORATION COM 67066G104 66 125 SH   DFND   125 0 0
NVIDIA CORPORATION COM 67066G104 1,895 3,550 SH   SOLE   3,550 0 0
ONE GAS INC COM 68235P108 6 82 SH   DFND   82 0 0
ONE GAS INC COM 68235P108 300 3,905 SH   SOLE   3,905 0 0
OUTSET MED INC COM 690145107 4,160 76,500 SH   SOLE   76,500 0 0
PALO ALTO NETWORKS INC COM 697435105 419 1,303 SH   SOLE   1,303 0 0
PALO ALTO NETWORKS INC COM 697435105 17 55 SH   DFND   55 0 0
PARKER-HANNIFIN CORP COM 701094104 63 201 SH   DFND   201 0 0
PARKER-HANNIFIN CORP COM 701094104 2,220 7,039 SH   SOLE   7,039 0 0
PAYPAL HLDGS INC COM 70450Y103 345 1,422 SH   SOLE   1,422 0 0
PEPSICO INC COM 713448108 497 3,515 SH   SOLE   3,515 0 0
PEPSICO INC COM 713448108 318 2,250 SH   DFND   1,250 0 1,000
PFIZER INC COM 717081103 85 2,364 SH   DFND   0 0 2,364
PFIZER INC COM 717081103 235 6,488 SH   SOLE   6,488 0 0
PHILLIPS 66 COM 718546104 16 200 SH   DFND   200 0 0
PHILLIPS 66 COM 718546104 392 4,819 SH   SOLE   4,819 0 0
PNC FINL SVCS GROUP INC COM 693475105 1,168 6,660 SH   SOLE   6,660 0 0
PNC FINL SVCS GROUP INC COM 693475105 32 184 SH   DFND   184 0 0
PPG INDS INC COM 693506107 1,132 7,538 SH   SOLE   7,538 0 0
PPG INDS INC COM 693506107 34 227 SH   DFND   227 0 0
PROCTER AND GAMBLE CO COM 742718109 448 3,310 SH   DFND   245 0 3,065
PROCTER AND GAMBLE CO COM 742718109 1,542 11,391 SH   SOLE   11,391 0 0
PROLOGIS INC. COM 74340W103 517 4,880 SH   SOLE   4,880 0 0
PROLOGIS INC. COM 74340W103 32 311 SH   DFND   311 0 0
PUBLIC STORAGE COM 74460D109 227 922 SH   SOLE   922 0 0
PUBLIC STORAGE COM 74460D109 8 34 SH   DFND   34 0 0
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 389 6,469 SH   SOLE   6,469 0 0
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 12 203 SH   DFND   203 0 0
QUALCOMM INC COM 747525103 1,041 7,853 SH   SOLE   7,853 0 0
QUALCOMM INC COM 747525103 17 135 SH   DFND   135 0 0
SALESFORCE COM INC COM 79466L302 42 200 SH   DFND   200 0 0
SALESFORCE COM INC COM 79466L302 1,096 5,177 SH   SOLE   5,177 0 0
SERVICENOW INC COM 81762P102 507 1,014 SH   SOLE   1,014 0 0
SERVICENOW INC COM 81762P102 27 55 SH   DFND   55 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 455 1,150 SH   SOLE   1,150 0 0
SPLUNK INC COM 848637104 356 2,628 SH   SOLE   2,628 0 0
SPLUNK INC COM 848637104 20 150 SH   DFND   150 0 0
STARBUCKS CORP COM 855244109 30 275 SH   DFND   275 0 0
STARBUCKS CORP COM 855244109 911 8,346 SH   SOLE   8,346 0 0
STRYKER CORPORATION COM 863667101 109 450 SH   DFND   450 0 0
STRYKER CORPORATION COM 863667101 841 3,456 SH   SOLE   3,456 0 0
TARGET CORP COM 87612E106 26 135 SH   DFND   135 0 0
TARGET CORP COM 87612E106 527 2,664 SH   SOLE   2,664 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 1,070 2,345 SH   SOLE   2,345 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 52 115 SH   DFND   115 0 0
TORONTO DOMINION BK ONT COM NEW 891160509 237 3,644 SH   SOLE   3,644 0 0
TRUIST FINL CORP COM 89832Q109 222 3,812 SH   SOLE   3,812 0 0
TRUIST FINL CORP COM 89832Q109 5 102 SH   DFND   102 0 0
UNION PAC CORP COM 907818108 742 3,367 SH   SOLE   3,367 0 0
UNION PAC CORP COM 907818108 358 1,627 SH   DFND   27 0 1,600
UNITED RENTALS INC COM 911363109 42 128 SH   DFND   128 0 0
UNITED RENTALS INC COM 911363109 1,671 5,075 SH   SOLE   5,075 0 0
UNITEDHEALTH GROUP INC COM 91324P102 59 160 SH   DFND   160 0 0
UNITEDHEALTH GROUP INC COM 91324P102 1,509 4,058 SH   SOLE   4,058 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 160 750 SH   DFND   750 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 33 150 SH   SOLE   150 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 90 425 SH   SOLE   425 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 422 4,599 SH   SOLE   4,599 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 298 1,350 SH   DFND   1,350 0 0
VEEVA SYS INC CL A COM 922475108 351 1,347 SH   SOLE   1,347 0 0
VEEVA SYS INC CL A COM 922475108 14 55 SH   DFND   55 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 856 14,734 SH   SOLE   14,411 0 323
VERIZON COMMUNICATIONS INC COM 92343V104 37 641 SH   DFND   641 0 0
VISA INC COM CL A 92826C839 42 200 SH   DFND   200 0 0
VISA INC COM CL A 92826C839 1,250 5,907 SH   SOLE   5,907 0 0
ZIONS BANCORPORATION N A COM 989701107 21 400 SH   DFND   400 0 0
ZIONS BANCORPORATION N A COM 989701107 601 10,944 SH   SOLE   10,944 0 0