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 Equities 88579Y101 65 500 SH   DFND   0 0 500
3M CO Equities 88579Y101 214 1,655 SH   SOLE   1,655 0 0
ABBOTT LABORATORIES Equities 002824100 876 8,065 SH   DFND   8,065 0 0
ABBOTT LABORATORIES Equities 002824100 4,774 43,942 SH   SOLE   43,942 0 0
ABBVIE INC Equities 00287Y109 6,513 42,521 SH   SOLE   42,436 0 85
ABBVIE INC Equities 00287Y109 1,231 8,040 SH   DFND   8,040 0 0
ACCENTURE PLC A Equities G1151C101 534 1,922 SH   SOLE   1,922 0 0
ADOBE INC Equities 00724F101 8 22 SH   DFND   22 0 0
ADOBE INC Equities 00724F101 322 880 SH   SOLE   880 0 0
AFLAC INC COM Equities 001055102 205 3,705 SH   SOLE   3,705 0 0
ALLSTATE CORP Equities 020002101 94 742 SH   DFND   0 0 742
ALLSTATE CORP Equities 020002101 146 1,149 SH   SOLE   1,149 0 0
ALLY FINANCIAL INC Equities 02005N100 274 8,171 SH   SOLE   8,171 0 0
ALPHABET INC CAP STK CLASS C Equities 02079K107 9 4 SH   DFND   4 0 0
ALPHABET INC CAP STK CLASS C Equities 02079K107 1,157 529 SH   SOLE   529 0 0
ALPHABET INC CLASS A Equities 02079K305 9 4 SH   DFND   4 0 0
ALPHABET INC CLASS A Equities 02079K305 693 318 SH   SOLE   318 0 0
ALTRIA GROUP INC COMMON Equities 02209S103 298 7,132 SH   DFND   132 0 7,000
ALTRIA GROUP INC COMMON Equities 02209S103 196 4,684 SH   SOLE   4,484 0 200
AMAZON.COM INC Equities 023135106 15 140 SH   DFND   140 0 0
AMAZON.COM INC Equities 023135106 1,037 9,765 SH   SOLE   9,765 0 0
AMERICAN EXPRESS COMMON Equities 025816109 329 2,375 SH   DFND   2,375 0 0
AMERICAN EXPRESS COMMON Equities 025816109 440 3,175 SH   SOLE   3,175 0 0
AMERIPRISE FINL INC COMMON Equities 03076C106 120 506 SH   DFND   506 0 0
AMERIPRISE FINL INC COMMON Equities 03076C106 213 896 SH   SOLE   896 0 0
AMGEN INC Equities 031162100 329 1,351 SH   SOLE   1,351 0 0
ANNALY CAPITAL MANAGEMENT INC Equities 035710409 7 1,190 SH   DFND   1,190 0 0
ANNALY CAPITAL MANAGEMENT INC Equities 035710409 84 14,168 SH   SOLE   14,168 0 0
ANSYS INC COM Equities 03662Q105 209 875 SH   SOLE   875 0 0
AON PLC Equities G0403H108 423 1,567 SH   SOLE   1,567 0 0
APOLLO GLOBAL MGMT INC Equities 03769M106 297 6,133 SH   SOLE   6,133 0 0
APPLE INC COMMON Equities 037833100 4,035 29,513 SH   SOLE   29,513 0 0
APPLE INC COMMON Equities 037833100 21 157 SH   DFND   157 0 0
APPLIED MATERIALS INC Equities 038222105 266 2,925 SH   SOLE   2,925 0 0
APPLIED MATERIALS INC Equities 038222105 5 51 SH   DFND   51 0 0
ARCH CAPITAL GROUP LTD Equities G0450A105 248 5,448 SH   SOLE   5,448 0 0
ARCHER DANIELS MIDLAND CO Equities 039483102 101,057 1,302,278 SH   SOLE   1,302,278 0 0
AT&T INC Equities 00206R102 485 23,143 SH   SOLE   22,843 0 300
AT&T INC Equities 00206R102 11 547 SH   DFND   547 0 0
AUTOMATIC DATA PROCESSING INC Equities 053015103 550 2,619 SH   SOLE   2,619 0 0
AUTOMATIC DATA PROCESSING INC Equities 053015103 84 400 SH   DFND   400 0 0
BANK AMER CORP COMMON Equities 060505104 426 13,699 SH   SOLE   13,699 0 0
BERKSHIRE HATHAWAY INC DEL CLAS Equities 084670702 1,098 4,022 SH   SOLE   4,022 0 0
BRISTOL MYERS SQUIBB COMMON Equities 110122108 98 1,278 SH   DFND   78 0 1,200
BRISTOL MYERS SQUIBB COMMON Equities 110122108 316 4,098 SH   SOLE   4,098 0 0
CAPITAL ONE FINL CORP COMMON Equities 14040H105 642 6,159 SH   SOLE   6,159 0 0
CATERPILLAR INC. Equities 149123101 214 1,195 SH   SOLE   1,195 0 0
CATERPILLAR INC. Equities 149123101 358 2,000 SH   DFND   0 0 2,000
CHEVRON CORP Equities 166764100 614 4,244 SH   SOLE   4,154 0 90
CHUBB LIMITED COM NPV Equities H1467J104 224 1,138 SH   SOLE   1,138 0 0
CIGNA CORP Equities 125523100 283 1,074 SH   SOLE   1,074 0 0
CISCO SYSTEMS INC Equities 17275R102 827 19,394 SH   SOLE   19,214 0 180
CISCO SYSTEMS INC Equities 17275R102 186 4,358 SH   DFND   2,858 0 1,500
COCA-COLA CO Equities 191216100 5,102 81,106 SH   SOLE   81,106 0 0
COCA-COLA CO Equities 191216100 818 13,000 SH   DFND   13,000 0 0
COMCAST CORP NEW CL A Equities 20030N101 6 154 SH   DFND   154 0 0
COMCAST CORP NEW CL A Equities 20030N101 440 11,204 SH   SOLE   11,204 0 0
CONOCOPHILLIPS Equities 20825C104 234 2,606 SH   SOLE   2,606 0 0
COSTCO WHOLESALE CORP NEW COMMO Equities 22160K105 397 828 SH   SOLE   828 0 0
DANAHER CORP COMMON Equities 235851102 642 2,532 SH   SOLE   2,532 0 0
DEERE & CO Equities 244199105 299 1,000 SH   DFND   0 0 1,000
DEERE & CO Equities 244199105 55 184 SH   SOLE   184 0 0
DISCOVER FINL SVCS Equities 254709108 30 312 SH   DFND   0 0 312
DISCOVER FINL SVCS Equities 254709108 238 2,515 SH   SOLE   2,515 0 0
DOW INC Equities 260557103 194 3,767 SH   SOLE   3,767 0 0
DOW INC Equities 260557103 6 122 SH   DFND   122 0 0
DUKE ENERGY CORP NEW COMMON NEW Equities 26441C204 286 2,668 SH   SOLE   2,668 0 0
EATON CORP PLC Equities G29183103 313 2,488 SH   SOLE   2,423 0 65
EXXON MOBIL CORP Equities 30231G102 992 11,589 SH   DFND   11,589 0 0
EXXON MOBIL CORP Equities 30231G102 898 10,482 SH   SOLE   10,482 0 0
FIRST TRUST TWC OPPORTUNISTIC F Equities 33740F805 369 7,960 SH   DFND   6,850 0 1,110
FIRST TRUST TWC OPPORTUNISTIC F Equities 33740F805 921 19,859 SH   SOLE   19,859 0 0
GENERAL ELECTRIC CO Equities 369604301 187 2,931 SH   SOLE   2,931 0 0
GENERAL ELECTRIC CO Equities 369604301 167 2,625 SH   DFND   2,250 0 375
HONEYWELL INTL INC COMMON Equities 438516106 185 1,065 SH   SOLE   1,065 0 0
HONEYWELL INTL INC COMMON Equities 438516106 313 1,800 SH   DFND   0 0 1,800
HP INC COMMON Equities 40434L105 224 6,843 SH   SOLE   6,843 0 0
HUBBELL INC NPV Equities 443510607 451 2,525 SH   DFND   2,525 0 0
INTEL CORP Equities 458140100 1,020 27,255 SH   SOLE   27,255 0 0
INTEL CORP Equities 458140100 5 128 SH   DFND   128 0 0
INTERNATIONAL BUSINESS MACHINES Equities 459200101 149 1,053 SH   DFND   53 0 1,000
INTERNATIONAL BUSINESS MACHINES Equities 459200101 272 1,929 SH   SOLE   1,929 0 0
INTUIT Equities 461202103 7 17 SH   DFND   17 0 0
INTUIT Equities 461202103 205 531 SH   SOLE   531 0 0
INVESCO AC VAR ETF Equities 46090A879 16,502 669,450 SH   SOLE   662,625 0 6,825
INVESCO AC VAR ETF Equities 46090A879 258 10,478 SH   DFND   10,478 0 0
INVESCO EX OPTM ETF Equities 46090F100 271 15,000 SH   SOLE   15,000 0 0
INVESCO QQQ TRUST SERIES 1 Equities 46090E103 604 2,155 SH   SOLE   2,155 0 0
ISHARES AAA-A RATED CORP BOND E Equities 46429B291 270 5,600 SH   SOLE   5,600 0 0
ISHARES AGENCY BOND ETF Equities 464288166 1,282 11,660 SH   SOLE   11,660 0 0
ISHARES CORE MSCI EMERG MARKTET Equities 46434G103 2,069 42,165 SH   SOLE   42,165 0 0
ISHARES CORE S&P 500 ETF Equities 464287200 1,485 3,916 SH   SOLE   3,916 0 0
ISHARES CORE S&P 500 ETF Equities 464287200 739 1,950 SH   DFND   0 0 1,950
ISHARES CORE S&P SMALL CAP ETF Equities 464287804 1,598 17,290 SH   SOLE   16,900 0 390
ISHARES CORE S&P SMALL CAP ETF Equities 464287804 248 2,685 SH   DFND   2,685 0 0
ISHARES CORE U.S. AGGREGATE BO Equities 464287226 2,370 23,310 SH   SOLE   21,985 0 1,325
ISHARES CORE U.S. AGGREGATE BO Equities 464287226 271 2,665 SH   DFND   2,300 0 365
ISHARES EDGE MSCI MIN VOL USA Equities 46429B697 349 4,969 SH   SOLE   4,969 0 0
ISHARES GLBL MAT ETF Equities 464288695 1,162 15,724 SH   SOLE   15,724 0 0
ISHARES GLOBAL CONSUMER DISCR E Equities 464288745 855 6,733 SH   SOLE   6,733 0 0
ISHARES GNMA BOND ETF Equities 46429B333 1,280 28,105 SH   SOLE   28,105 0 0
ISHARES MSCI EAFE Equities 464287465 54 870 SH   DFND   870 0 0
ISHARES MSCI EAFE Equities 464287465 1,799 28,793 SH   SOLE   28,343 0 450
ISHARES MSCI EMERG Equities 464287234 1,383 34,495 SH   SOLE   33,870 0 625
ISHARES MSCI EMERG Equities 464287234 36 900 SH   DFND   900 0 0
ISHARES RUSSELL 1000 VALUE Equities 464287598 637 4,395 SH   SOLE   4,395 0 0
ISHARES RUSSELL 2000 Equities 464287655 2,228 13,156 SH   SOLE   13,156 0 0
ISHARES RUSSELL 2000 Equities 464287655 75 440 SH   DFND   440 0 0
ISHARES S&P 500 GROWTH ETF Equities 464287309 48 800 SH   DFND   800 0 0
ISHARES S&P 500 GROWTH ETF Equities 464287309 307 5,085 SH   SOLE   5,085 0 0
ISHARES S&P GLO INDS Equities 464288729 1,080 11,231 SH   SOLE   11,231 0 0
ISHARES S&P GLOB TECH SECTOR ID Equities 464287291 1,045 22,860 SH   SOLE   22,860 0 0
ISHARES S&P GLOBAL FINANCIALS I Equities 464287333 1,055 16,041 SH   SOLE   16,041 0 0
ISHARES SHORT-TERM CORPORATE BD Equities 464288646 225 4,445 SH   DFND   3,830 0 615
ISHARES SHORT-TERM CORPORATE BD Equities 464288646 1,332 26,350 SH   SOLE   24,295 0 2,055
ISHARES TIPS BOND ETF Equities 464287176 237 2,080 SH   SOLE   2,080 0 0
ISHARES TR MSCI Equities 464288257 2,879 34,314 SH   SOLE   34,314 0 0
ISHARES TR S&P MIDCAP 400 INDEX Equities 464287507 462 2,042 SH   SOLE   2,042 0 0
ISHS INTL SEL DV ETF Equities 464288448 5,156 189,842 SH   SOLE   186,874 0 2,968
ISHS INTL SEL DV ETF Equities 464288448 364 13,420 SH   DFND   13,420 0 0
JOHNSON & JOHNSON Equities 478160104 1,622 9,138 SH   DFND   6,038 0 3,100
JOHNSON & JOHNSON Equities 478160104 1,057 5,954 SH   SOLE   5,954 0 0
JP MORGAN INTL BOND OPPORTUNITI Equities 46641Q852 16,618 369,774 SH   SOLE   369,652 0 122
JP MORGAN INTL BOND OPPORTUNITI Equities 46641Q852 451 10,041 SH   DFND   10,041 0 0
JP MORGAN ULTRA SHORT INC ETF Equities 46641Q837 952 19,002 SH   SOLE   19,002 0 0
JP MORGAN ULTRA SHORT INC ETF Equities 46641Q837 240 4,785 SH   DFND   4,115 0 670
JPMORGAN CHASE & CO Equities 46625H100 1,137 10,099 SH   SOLE   10,099 0 0
JPMORGAN CHASE & CO Equities 46625H100 8 70 SH   DFND   70 0 0
JPMORGAN ULTRA-SHORT MUNICIPAL Equities 46641Q654 8,829 174,315 SH   SOLE   174,315 0 0
JPMORGAN ULTRA-SHORT MUNICIPAL Equities 46641Q654 690 13,630 SH   DFND   13,630 0 0
KIMBERLY-CLARK CORP Equities 494368103 202 1,491 SH   SOLE   1,491 0 0
KROGER CO Equities 501044101 504 10,647 SH   SOLE   10,647 0 0
LILLY ELI & COMMON Equities 532457108 627 1,934 SH   SOLE   1,934 0 0
MASTERCARD CL A Equities 57636Q104 393 1,247 SH   SOLE   1,247 0 0
MCDONALDS CORP COMMON Equities 580135101 522 2,114 SH   SOLE   2,114 0 0
MEDTRONIC PLC Equities G5960L103 318 3,547 SH   SOLE   3,547 0 0
MEDTRONIC PLC Equities G5960L103 7 78 SH   DFND   78 0 0
MERCK & CO INC NEW Equities 58933Y105 554 6,075 SH   DFND   6,075 0 0
MERCK & CO INC NEW Equities 58933Y105 1,310 14,372 SH   SOLE   14,372 0 0
META PLATFORMS INC. Equities 30303M102 531 3,296 SH   SOLE   3,296 0 0
META PLATFORMS INC. Equities 30303M102 9 58 SH   DFND   58 0 0
METLIFE INC COMMON Equities 59156R108 249 3,969 SH   SOLE   3,969 0 0
MICROSOFT CORP Equities 594918104 100 389 SH   DFND   189 0 200
MICROSOFT CORP Equities 594918104 3,318 12,919 SH   SOLE   12,919 0 0
MONDELEZ INTL INC CLASS A Equities 609207105 621 10,000 SH   DFND   0 0 10,000
MONDELEZ INTL INC CLASS A Equities 609207105 242 3,895 SH   SOLE   3,895 0 0
MOODYS CORP Equities 615369105 451 1,657 SH   SOLE   1,657 0 0
MORGAN STANLEY Equities 617446448 241 3,172 SH   SOLE   3,172 0 0
MORGAN STANLEY Equities 617446448 47 624 SH   DFND   0 0 624
NEXTERA ENERGY INC Equities 65339F101 201 2,596 SH   DFND   2,596 0 0
NEXTERA ENERGY INC Equities 65339F101 379 4,893 SH   SOLE   4,893 0 0
NORFOLK SOUTHERN CORP Equities 655844108 428 1,881 SH   SOLE   1,881 0 0
NORTHERN TR CORP Equities 665859104 206 2,135 SH   SOLE   2,045 0 90
NVIDIA CORP Equities 67066G104 7 43 SH   DFND   43 0 0
NVIDIA CORP Equities 67066G104 391 2,577 SH   SOLE   2,577 0 0
ORACLE CORP Equities 68389X105 70 1,000 SH   DFND   1,000 0 0
ORACLE CORP Equities 68389X105 666 9,530 SH   SOLE   9,530 0 0
PAYCHEX COMMON Equities 704326107 6 51 SH   DFND   51 0 0
PAYCHEX COMMON Equities 704326107 249 2,191 SH   SOLE   2,191 0 0
PEPSICO INC Equities 713448108 153 920 SH   DFND   0 0 920
PEPSICO INC Equities 713448108 633 3,799 SH   SOLE   3,799 0 0
PFIZER INC Equities 717081103 521 9,940 SH   DFND   3,940 0 6,000
PFIZER INC Equities 717081103 613 11,690 SH   SOLE   11,450 0 240
PHILIP MORRIS INTL INC COMMON Equities 718172109 805 8,155 SH   DFND   155 0 8,000
PHILIP MORRIS INTL INC COMMON Equities 718172109 235 2,379 SH   SOLE   2,379 0 0
PPL CORP Equities 69351T106 6 234 SH   DFND   234 0 0
PPL CORP Equities 69351T106 226 8,336 SH   SOLE   8,011 0 325
PRINCIPAL FIN'L GROUP Equities 74251V102 330 4,934 SH   SOLE   4,934 0 0
PROCTER & GAMBLE CO Equities 742718109 16,533 114,979 SH   SOLE   114,979 0 0
PROCTER & GAMBLE CO Equities 742718109 446 3,100 SH   DFND   0 0 3,100
PRUDENTIAL FINL INC Equities 744320102 369 3,852 SH   SOLE   3,852 0 0
PRUDENTIAL FINL INC Equities 744320102 7 69 SH   DFND   69 0 0
QUALCOMM INC COMMON Equities 747525103 370 2,898 SH   SOLE   2,898 0 0
RAYTHEON TECHNOLOGIES CORP Equities 75513E101 455 4,736 SH   DFND   4,736 0 0
RAYTHEON TECHNOLOGIES CORP Equities 75513E101 331 3,444 SH   SOLE   3,444 0 0
RESMED INC Equities 761152107 207 989 SH   SOLE   989 0 0
S&P GLOBAL INC COM Equities 78409V104 404 1,200 SH   DFND   1,200 0 0
S&P GLOBAL INC COM Equities 78409V104 330 979 SH   SOLE   979 0 0
SALESFORCE INC Equities 79466L302 433 2,625 SH   SOLE   2,625 0 0
SALESFORCE INC Equities 79466L302 5 32 SH   DFND   32 0 0
SCHWAB STRATEGIC TR Equities 808524706 300 11,814 SH   SOLE   11,814 0 0
SCHWAB STRATEGIC TR Equities 808524805 484 15,397 SH   SOLE   15,397 0 0
SCHWAB STRATEGIC US DIVIDEND EQ Equities 808524797 312 4,356 SH   SOLE   4,056 0 300
SPDR BARCLAYS BLOOMBERG ST BD E Equities 78464A474 670 22,536 SH   DFND   22,536 0 0
SPDR BARCLAYS BLOOMBERG ST BD E Equities 78464A474 41,857 1,407,915 SH   SOLE   1,407,713 0 202
SPDR BARCLAYS SHORT TERM HIGHI Equities 78468R408 990 41,063 SH   SOLE   40,833 0 230
SPDR BARCLAYS SHORT TERM HIGHI Equities 78468R408 201 8,336 SH   DFND   8,336 0 0
SPDR GOLD TR GOLD SHS Equities 78463V107 84 500 SH   DFND   500 0 0
SPDR GOLD TR GOLD SHS Equities 78463V107 365 2,165 SH   SOLE   2,165 0 0
SPDR S&P 500 ETF TR TR UNIT Equities 78462F103 539 1,428 SH   DFND   1,428 0 0
SPDR S&P 500 ETF TR TR UNIT Equities 78462F103 28,580 75,758 SH   SOLE   75,308 0 450
SPDR S&P MIDCAP 400 ETF TR Equities 78467Y107 2,199 5,319 SH   SOLE   5,239 0 80
SPDR S&P MIDCAP 400 ETF TR Equities 78467Y107 66 160 SH   DFND   160 0 0
SPDR SER TR NUVEEN BLOOMBERG BA Equities 78468R739 2,394 50,652 SH   DFND   50,652 0 0
SPDR SER TR NUVEEN BLOOMBERG BA Equities 78468R739 27,993 592,313 SH   SOLE   592,313 0 0
SPDR SERIES TRUST S&P DIVID ETF Equities 78464A763 209 1,760 SH   SOLE   1,685 0 75
STANLEY BLACK & DECKER INC Equities 854502101 134 1,275 SH   DFND   0 0 1,275
STANLEY BLACK & DECKER INC Equities 854502101 75 720 SH   SOLE   720 0 0
SYNOPSYS INC Equities 871607107 211 694 SH   SOLE   694 0 0
TARGET CORP Equities 87612E106 768 5,437 SH   SOLE   5,437 0 0
TARGET CORP Equities 87612E106 424 3,000 SH   DFND   0 0 3,000
TECH SELECT SEC SPDR Equities 81369Y803 719 5,654 SH   SOLE   5,654 0 0
TECH SELECT SEC SPDR Equities 81369Y803 32 250 SH   DFND   250 0 0
TESLA MTRS INC Equities 88160R101 6 9 SH   DFND   9 0 0
TESLA MTRS INC Equities 88160R101 659 978 SH   SOLE   978 0 0
TEXAS INSTRS INC COMMON Equities 882508104 230 1,500 SH   DFND   0 0 1,500
TEXAS INSTRS INC COMMON Equities 882508104 231 1,505 SH   SOLE   1,505 0 0
THE HOME DEPOT INC Equities 437076102 579 2,110 SH   SOLE   2,110 0 0
THE HOME DEPOT INC Equities 437076102 8 29 SH   DFND   29 0 0
THERMO FISHER SCIENTIFIC INC CO Equities 883556102 500 920 SH   SOLE   920 0 0
UNION PACIFIC CORP Equities 907818108 1,024 4,800 SH   DFND   4,800 0 0
UNION PACIFIC CORP Equities 907818108 292 1,371 SH   SOLE   1,371 0 0
UNITED PARCEL SVC INC CLASS B Equities 911312106 5 27 SH   DFND   27 0 0
UNITED PARCEL SVC INC CLASS B Equities 911312106 221 1,212 SH   SOLE   1,212 0 0
UNITEDHEALTH GROUP INC Equities 91324P102 9 17 SH   DFND   17 0 0
UNITEDHEALTH GROUP INC Equities 91324P102 1,012 1,971 SH   SOLE   1,971 0 0
VANGUARD FTSE EMERGING MARKETS Equities 922042858 299 7,179 SH   DFND   7,179 0 0
VANGUARD FTSE EMERGING MARKETS Equities 922042858 13,466 323,306 SH   SOLE   323,306 0 0
VANGUARD IND FD MID-CAP ETF Equities 922908629 298 1,515 SH   SOLE   1,515 0 0
VANGUARD INDEX FUNDS VANGUARD E Equities 922908652 463 3,528 SH   DFND   3,528 0 0
VANGUARD INDEX FUNDS VANGUARD E Equities 922908652 14,615 111,481 SH   SOLE   111,481 0 0
VANGUARD INDEX FUNDS VANGUARD R Equities 922908553 337 3,700 SH   SOLE   3,700 0 0
VANGUARD INTERMEDIATE-TERM BOND Equities 921937819 4,263 54,903 SH   SOLE   54,903 0 0
VANGUARD LARGE-CAP ETF Equities 922908637 23,005 133,480 SH   SOLE   133,480 0 0
VANGUARD LARGE-CAP ETF Equities 922908637 1,526 8,852 SH   DFND   8,852 0 0
VANGUARD MUN BD FD INC TAX EXEM Equities 922907746 1,843 36,919 SH   SOLE   36,919 0 0
VANGUARD STAR FUNDS VANGUARD TO Equities 921909768 1,465 28,380 SH   DFND   28,380 0 0
VANGUARD STAR FUNDS VANGUARD TO Equities 921909768 58,569 1,134,848 SH   SOLE   1,134,848 0 0
VERIZON COMMUNICATIONS INC COMM Equities 92343V104 362 7,133 SH   SOLE   7,133 0 0
VERIZON COMMUNICATIONS INC COMM Equities 92343V104 51 1,000 SH   DFND   0 0 1,000
VISA COMMON CL A Equities 92826C839 9 48 SH   DFND   48 0 0
VISA COMMON CL A Equities 92826C839 741 3,761 SH   SOLE   3,761 0 0
WAL-MART STORES COMMON Equities 931142103 281 2,314 SH   SOLE   2,314 0 0
WALT DISNEY COMMON Equities 254687106 6 65 SH   DFND   65 0 0
WALT DISNEY COMMON Equities 254687106 616 6,529 SH   SOLE   6,529 0 0
WELLS FARGO & CO Equities 949746101 519 13,246 SH   SOLE   13,246 0 0
WESTERN DIGITAL CORP Equities 958102105 18 392 SH   SOLE   392 0 0
WESTERN DIGITAL CORP Equities 958102105 269 6,000 SH   DFND   0 0 6,000