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
ABBOTT LABORATORIES Equities 002824100 4,181 43,212 SH   SOLE   43,212 0 0
ABBOTT LABORATORIES Equities 002824100 780 8,065 SH   DFND   8,065 0 0
ABBVIE INC Equities 00287Y109 1,079 8,040 SH   DFND   8,040 0 0
ABBVIE INC Equities 00287Y109 5,625 41,910 SH   SOLE   41,825 0 85
ACCENTURE PLC A Equities G1151C101 421 1,637 SH   SOLE   1,637 0 0
ADOBE INC Equities 00724F101 6 22 SH   DFND   22 0 0
ADOBE INC Equities 00724F101 247 897 SH   SOLE   889 0 8
ALPHABET INC CAP STK CLASS C Equities 02079K107 8 80 SH   DFND   80 0 0
ALPHABET INC CAP STK CLASS C Equities 02079K107 946 9,842 SH   SOLE   9,822 0 20
ALPHABET INC CLASS A Equities 02079K305 648 6,777 SH   SOLE   6,757 0 20
ALPHABET INC CLASS A Equities 02079K305 8 80 SH   DFND   80 0 0
AMAZON.COM INC Equities 023135106 16 140 SH   DFND   140 0 0
AMAZON.COM INC Equities 023135106 1,147 10,147 SH   SOLE   10,102 0 45
AMERICAN EXPRESS COMMON Equities 025816109 320 2,375 SH   DFND   2,375 0 0
AMERICAN EXPRESS COMMON Equities 025816109 294 2,182 SH   SOLE   2,182 0 0
AMERIPRISE FINL INC COMMON Equities 03076C106 127 506 SH   DFND   506 0 0
AMERIPRISE FINL INC COMMON Equities 03076C106 184 730 SH   SOLE   723 0 7
AMGEN INC Equities 031162100 226 1,004 SH   SOLE   1,004 0 0
AON PLC Equities G0403H108 417 1,555 SH   SOLE   1,555 0 0
APOLLO GLOBAL MGMT INC Equities 03769M106 214 4,593 SH   SOLE   4,593 0 0
APPLE INC COMMON Equities 037833100 3,807 27,544 SH   SOLE   27,533 0 11
APPLE INC COMMON Equities 037833100 22 157 SH   DFND   157 0 0
APPLIED MATERIALS INC Equities 038222105 220 2,687 SH   SOLE   2,651 0 36
APPLIED MATERIALS INC Equities 038222105 4 51 SH   DFND   51 0 0
ARCHER DANIELS MIDLAND CO Equities 039483102 104,648 1,300,780 SH   SOLE   1,300,780 0 0
AT&T INC Equities 00206R102 381 24,807 SH   SOLE   24,507 0 300
AT&T INC Equities 00206R102 8 547 SH   DFND   547 0 0
AUTOMATIC DATA PROCESSING INC Equities 053015103 489 2,161 SH   SOLE   2,161 0 0
AUTOMATIC DATA PROCESSING INC Equities 053015103 90 400 SH   DFND   400 0 0
BANK AMER CORP COMMON Equities 060505104 412 13,632 SH   SOLE   13,632 0 0
BERKSHIRE HATHAWAY INC DEL CLAS Equities 084670702 535 2,005 SH   SOLE   2,005 0 0
BRISTOL MYERS SQUIBB COMMON Equities 110122108 6 78 SH   DFND   78 0 0
BRISTOL MYERS SQUIBB COMMON Equities 110122108 252 3,539 SH   SOLE   3,539 0 0
CAPITAL ONE FINL CORP COMMON Equities 14040H105 400 4,340 SH   SOLE   4,340 0 0
CHEVRON CORP Equities 166764100 562 3,909 SH   SOLE   3,902 0 7
CIGNA CORP Equities 125523100 264 953 SH   SOLE   953 0 0
CISCO SYSTEMS INC Equities 17275R102 635 15,876 SH   SOLE   15,696 0 180
CISCO SYSTEMS INC Equities 17275R102 114 2,858 SH   DFND   2,858 0 0
COCA-COLA CO Equities 191216100 632 11,275 SH   SOLE   11,275 0 0
COCA-COLA CO Equities 191216100 728 13,000 SH   DFND   13,000 0 0
COMCAST CORP NEW CL A Equities 20030N101 5 154 SH   DFND   154 0 0
COMCAST CORP NEW CL A Equities 20030N101 248 8,453 SH   SOLE   8,453 0 0
COSTCO WHOLESALE CORP NEW COMMO Equities 22160K105 390 825 SH   SOLE   825 0 0
DANAHER CORP COMMON Equities 235851102 445 1,722 SH   SOLE   1,722 0 0
EATON CORP PLC Equities G29183103 288 2,162 SH   SOLE   2,152 0 10
EXXON MOBIL CORP Equities 30231G102 1,012 11,589 SH   DFND   11,589 0 0
EXXON MOBIL CORP Equities 30231G102 769 8,807 SH   SOLE   8,807 0 0
FIRST TRUST TWC OPPORTUNISTIC F Equities 33740F805 298 6,850 SH   DFND   6,850 0 0
FIRST TRUST TWC OPPORTUNISTIC F Equities 33740F805 24 540 SH   SOLE   540 0 0
GENERAL ELECTRIC CO Equities 369604301 167 2,701 SH   SOLE   2,701 0 0
GENERAL ELECTRIC CO Equities 369604301 139 2,250 SH   DFND   2,250 0 0
HUBBELL INC NPV Equities 443510607 563 2,525 SH   DFND   2,525 0 0
INTEL CORP Equities 458140100 3 128 SH   DFND   128 0 0
INTEL CORP Equities 458140100 634 24,621 SH   SOLE   24,621 0 0
INVESCO AC VAR ETF Equities 46090A879 16,215 658,622 SH   SOLE   649,081 0 9,541
INVESCO AC VAR ETF Equities 46090A879 258 10,478 SH   DFND   10,478 0 0
INVESCO QQQ TRUST SERIES 1 Equities 46090E103 540 2,019 SH   SOLE   2,019 0 0
ISHARES AAA-A RATED CORP BOND E Equities 46429B291 721 15,900 SH   SOLE   15,900 0 0
ISHARES AGENCY BOND ETF Equities 464288166 2,453 23,035 SH   SOLE   23,035 0 0
ISHARES CORE MSCI EMERG MARKTET Equities 46434G103 1,267 29,483 SH   SOLE   29,483 0 0
ISHARES CORE S&P 500 ETF Equities 464287200 1,404 3,916 SH   SOLE   3,916 0 0
ISHARES CORE S&P SMALL CAP ETF Equities 464287804 1,478 16,947 SH   SOLE   16,797 0 150
ISHARES CORE S&P SMALL CAP ETF Equities 464287804 234 2,685 SH   DFND   2,685 0 0
ISHARES CORE U.S. AGGREGATE BO Equities 464287226 222 2,300 SH   DFND   2,300 0 0
ISHARES CORE U.S. AGGREGATE BO Equities 464287226 1,741 18,073 SH   SOLE   18,073 0 0
ISHARES GLBL MAT ETF Equities 464288695 723 10,652 SH   SOLE   10,652 0 0
ISHARES GLOBAL CONSUMER DISCR E Equities 464288745 529 4,329 SH   SOLE   4,329 0 0
ISHARES GNMA BOND ETF Equities 46429B333 2,382 55,380 SH   SOLE   55,380 0 0
ISHARES MSCI EAFE Equities 464287465 49 870 SH   DFND   870 0 0
ISHARES MSCI EAFE Equities 464287465 1,474 26,321 SH   SOLE   26,291 0 30
ISHARES MSCI EMERG Equities 464287234 1,074 30,798 SH   SOLE   30,763 0 35
ISHARES MSCI EMERG Equities 464287234 31 900 SH   DFND   900 0 0
ISHARES RUSSELL 1000 VALUE Equities 464287598 505 3,714 SH   SOLE   3,714 0 0
ISHARES RUSSELL 2000 Equities 464287655 69 418 SH   DFND   418 0 0
ISHARES RUSSELL 2000 Equities 464287655 1,804 10,936 SH   SOLE   10,936 0 0
ISHARES S&P 500 GROWTH ETF Equities 464287309 46 800 SH   DFND   800 0 0
ISHARES S&P 500 GROWTH ETF Equities 464287309 294 5,085 SH   SOLE   5,085 0 0
ISHARES S&P GLO INDS Equities 464288729 700 7,783 SH   SOLE   7,783 0 0
ISHARES S&P GLOB TECH SECTOR ID Equities 464287291 666 15,778 SH   SOLE   15,778 0 0
ISHARES S&P GLOBAL FINANCIALS I Equities 464287333 663 10,808 SH   SOLE   10,808 0 0
ISHARES SHORT-TERM CORPORATE BD Equities 464288646 859 17,436 SH   SOLE   17,436 0 0
ISHARES SHORT-TERM CORPORATE BD Equities 464288646 189 3,830 SH   DFND   3,830 0 0
ISHARES TIPS BOND ETF Equities 464287176 218 2,080 SH   SOLE   2,080 0 0
ISHARES TR MSCI Equities 464288257 2,054 26,385 SH   SOLE   26,385 0 0
ISHARES TR S&P MIDCAP 400 INDEX Equities 464287507 404 1,842 SH   SOLE   1,842 0 0
ISHS INTL SEL DV ETF Equities 464288448 4,638 205,880 SH   SOLE   199,022 0 6,858
ISHS INTL SEL DV ETF Equities 464288448 302 13,420 SH   DFND   13,420 0 0
JOHNSON & JOHNSON Equities 478160104 986 6,038 SH   DFND   6,038 0 0
JOHNSON & JOHNSON Equities 478160104 826 5,057 SH   SOLE   5,057 0 0
JP MORGAN INTL BOND OPPORTUNITI Equities 46641Q852 14,111 317,334 SH   SOLE   315,724 0 1,610
JP MORGAN INTL BOND OPPORTUNITI Equities 46641Q852 474 10,653 SH   DFND   10,653 0 0
JP MORGAN ULTRA SHORT INC ETF Equities 46641Q837 206 4,115 SH   DFND   4,115 0 0
JP MORGAN ULTRA SHORT INC ETF Equities 46641Q837 633 12,621 SH   SOLE   12,621 0 0
JPMORGAN CHASE & CO Equities 46625H100 874 8,364 SH   SOLE   8,350 0 14
JPMORGAN CHASE & CO Equities 46625H100 7 70 SH   DFND   70 0 0
JPMORGAN ULTRA-SHORT MUNICIPAL Equities 46641Q654 686 13,630 SH   DFND   13,630 0 0
JPMORGAN ULTRA-SHORT MUNICIPAL Equities 46641Q654 9,043 179,785 SH   SOLE   179,785 0 0
KROGER CO Equities 501044101 466 10,647 SH   SOLE   10,647 0 0
LILLY ELI & COMMON Equities 532457108 649 2,006 SH   SOLE   2,006 0 0
MASTERCARD CL A Equities 57636Q104 372 1,307 SH   SOLE   1,307 0 0
MCDONALDS CORP COMMON Equities 580135101 474 2,053 SH   SOLE   2,053 0 0
MEDTRONIC PLC Equities G5960L103 206 2,546 SH   SOLE   2,546 0 0
MEDTRONIC PLC Equities G5960L103 6 78 SH   DFND   78 0 0
MERCK & CO INC NEW Equities 58933Y105 523 6,075 SH   DFND   6,075 0 0
MERCK & CO INC NEW Equities 58933Y105 1,132 13,144 SH   SOLE   13,144 0 0
META PLATFORMS INC. Equities 30303M102 8 58 SH   DFND   58 0 0
META PLATFORMS INC. Equities 30303M102 462 3,404 SH   SOLE   3,378 0 26
METLIFE INC COMMON Equities 59156R108 211 3,469 SH   SOLE   3,469 0 0
MICROSOFT CORP Equities 594918104 44 189 SH   DFND   189 0 0
MICROSOFT CORP Equities 594918104 2,381 10,223 SH   SOLE   10,217 0 6
MOODYS CORP Equities 615369105 278 1,143 SH   SOLE   1,143 0 0
MORGAN STANLEY Equities 617446448 213 2,697 SH   SOLE   2,697 0 0
NEXTERA ENERGY INC Equities 65339F101 340 4,337 SH   SOLE   4,337 0 0
NORFOLK SOUTHERN CORP Equities 655844108 394 1,881 SH   SOLE   1,881 0 0
NVIDIA CORP Equities 67066G104 296 2,438 SH   SOLE   2,413 0 25
NVIDIA CORP Equities 67066G104 5 43 SH   DFND   43 0 0
ORACLE CORP Equities 68389X105 61 1,000 SH   DFND   1,000 0 0
ORACLE CORP Equities 68389X105 246 4,032 SH   SOLE   4,032 0 0
PAYCHEX COMMON Equities 704326107 6 51 SH   DFND   51 0 0
PAYCHEX COMMON Equities 704326107 246 2,192 SH   SOLE   2,192 0 0
PEPSICO INC Equities 713448108 448 2,743 SH   SOLE   2,743 0 0
PFIZER INC Equities 717081103 172 3,940 SH   DFND   3,940 0 0
PFIZER INC Equities 717081103 387 8,847 SH   SOLE   8,847 0 0
PRINCIPAL FIN'L GROUP Equities 74251V102 263 3,645 SH   SOLE   3,645 0 0
PROCTER & GAMBLE CO Equities 742718109 14,438 114,361 SH   SOLE   114,361 0 0
PRUDENTIAL FINL INC Equities 744320102 319 3,714 SH   SOLE   3,714 0 0
PRUDENTIAL FINL INC Equities 744320102 6 69 SH   DFND   69 0 0
QUALCOMM INC COMMON Equities 747525103 269 2,377 SH   SOLE   2,377 0 0
RAYTHEON TECHNOLOGIES CORP Equities 75513E101 116 1,415 SH   SOLE   1,415 0 0
RAYTHEON TECHNOLOGIES CORP Equities 75513E101 388 4,736 SH   DFND   4,736 0 0
S&P GLOBAL INC COM Equities 78409V104 366 1,200 SH   DFND   1,200 0 0
S&P GLOBAL INC COM Equities 78409V104 193 632 SH   SOLE   632 0 0
SALESFORCE INC Equities 79466L302 368 2,561 SH   SOLE   2,544 0 17
SALESFORCE INC Equities 79466L302 5 32 SH   DFND   32 0 0
SCHWAB STRATEGIC TR Equities 808524805 406 14,419 SH   SOLE   14,419 0 0
SCHWAB STRATEGIC TR Equities 808524706 265 11,816 SH   SOLE   11,816 0 0
SCHWAB STRATEGIC US DIVIDEND EQ Equities 808524797 269 4,056 SH   SOLE   4,056 0 0
SPDR BARCLAYS BLOOMBERG ST BD E Equities 78464A474 40,556 1,387,967 SH   SOLE   1,385,517 0 2,450
SPDR BARCLAYS BLOOMBERG ST BD E Equities 78464A474 659 22,536 SH   DFND   22,536 0 0
SPDR BARCLAYS SHORT TERM HIGHI Equities 78468R408 1,398 58,787 SH   SOLE   55,781 0 3,006
SPDR BARCLAYS SHORT TERM HIGHI Equities 78468R408 198 8,336 SH   DFND   8,336 0 0
SPDR GOLD TR GOLD SHS Equities 78463V107 77 500 SH   DFND   500 0 0
SPDR GOLD TR GOLD SHS Equities 78463V107 295 1,909 SH   SOLE   1,909 0 0
SPDR S&P 500 ETF TR TR UNIT Equities 78462F103 509 1,426 SH   DFND   1,426 0 0
SPDR S&P 500 ETF TR TR UNIT Equities 78462F103 22,979 64,334 SH   SOLE   64,093 0 241
SPDR S&P MIDCAP 400 ETF TR Equities 78467Y107 2,049 5,101 SH   SOLE   5,066 0 35
SPDR S&P MIDCAP 400 ETF TR Equities 78467Y107 64 160 SH   DFND   160 0 0
SPDR SER TR NUVEEN BLOOMBERG BA Equities 78468R739 2,335 50,652 SH   DFND   50,652 0 0
SPDR SER TR NUVEEN BLOOMBERG BA Equities 78468R739 25,547 554,286 SH   SOLE   554,286 0 0
TARGET CORP Equities 87612E106 802 5,403 SH   SOLE   5,403 0 0
TECH SELECT SEC SPDR Equities 81369Y803 672 5,654 SH   SOLE   5,654 0 0
TECH SELECT SEC SPDR Equities 81369Y803 30 250 SH   DFND   250 0 0
TESLA MTRS INC Equities 88160R101 7 27 SH   DFND   27 0 0
TESLA MTRS INC Equities 88160R101 671 2,530 SH   SOLE   2,524 0 6
THE HOME DEPOT INC Equities 437076102 8 29 SH   DFND   29 0 0
THE HOME DEPOT INC Equities 437076102 581 2,104 SH   SOLE   2,104 0 0
THERMO FISHER SCIENTIFIC INC CO Equities 883556102 399 787 SH   SOLE   787 0 0
UNION PACIFIC CORP Equities 907818108 238 1,223 SH   SOLE   1,223 0 0
UNION PACIFIC CORP Equities 907818108 935 4,800 SH   DFND   4,800 0 0
UNITEDHEALTH GROUP INC Equities 91324P102 906 1,793 SH   SOLE   1,793 0 0
UNITEDHEALTH GROUP INC Equities 91324P102 9 17 SH   DFND   17 0 0
VANGUARD FTSE EMERGING MARKETS Equities 922042858 263 7,199 SH   DFND   7,199 0 0
VANGUARD FTSE EMERGING MARKETS Equities 922042858 10,885 298,291 SH   SOLE   297,497 0 794
VANGUARD IND FD MID-CAP ETF Equities 922908629 285 1,515 SH   SOLE   1,515 0 0
VANGUARD INDEX FUNDS VANGUARD E Equities 922908652 12,910 101,562 SH   SOLE   101,562 0 0
VANGUARD INDEX FUNDS VANGUARD E Equities 922908652 458 3,600 SH   DFND   3,600 0 0
VANGUARD INDEX FUNDS VANGUARD R Equities 922908553 297 3,700 SH   SOLE   3,700 0 0
VANGUARD INTERMEDIATE-TERM BOND Equities 921937819 346 4,702 SH   SOLE   4,702 0 0
VANGUARD LARGE-CAP ETF Equities 922908637 20,825 127,326 SH   SOLE   127,326 0 0
VANGUARD LARGE-CAP ETF Equities 922908637 1,448 8,852 SH   DFND   8,852 0 0
VANGUARD MUN BD FD INC TAX EXEM Equities 922907746 1,337 27,777 SH   SOLE   27,777 0 0
VANGUARD STAR FUNDS VANGUARD TO Equities 921909768 1,308 28,583 SH   DFND   28,583 0 0
VANGUARD STAR FUNDS VANGUARD TO Equities 921909768 48,907 1,068,536 SH   SOLE   1,068,536 0 0
VERIZON COMMUNICATIONS INC COMM Equities 92343V104 241 6,354 SH   SOLE   6,354 0 0
VISA COMMON CL A Equities 92826C839 578 3,254 SH   SOLE   3,245 0 9
VISA COMMON CL A Equities 92826C839 9 48 SH   DFND   48 0 0
WALT DISNEY COMMON Equities 254687106 6 65 SH   DFND   65 0 0
WALT DISNEY COMMON Equities 254687106 596 6,319 SH   SOLE   6,288 0 31
WELLS FARGO & CO Equities 949746101 456 11,339 SH   SOLE   11,339 0 0