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		<nameOfIssuer>AFLAC INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>001055102</cusip>
		<value>299</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8741</sshPrnamt>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>8741</Sole>
			<Shared>0</Shared>
			<None>0</None>
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	<infoTable>
		<nameOfIssuer>AT&#38;T INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>00206R102</cusip>
		<value>30403</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1042991</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>998539</Sole>
			<Shared>0</Shared>
			<None>44452</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>ABBOTT LABORATORIES</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>002824100</cusip>
		<value>1037</value>
		<shrsOrPrnAmt>
			<sshPrnamt>13138</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>6652</Sole>
			<Shared>0</Shared>
			<None>6486</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>ABBVIE INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>00287Y109</cusip>
		<value>43556</value>
		<shrsOrPrnAmt>
			<sshPrnamt>571677</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
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			<Sole>546334</Sole>
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			<None>25343</None>
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	<infoTable>
		<nameOfIssuer>ADOBE INC.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>00724F101</cusip>
		<value>1730</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5436</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>5436</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>AGENT INFORMATION SOFTWARE I</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>00847D108</cusip>
		<value>46</value>
		<shrsOrPrnAmt>
			<sshPrnamt>28000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>28000</Sole>
			<Shared>0</Shared>
			<None>0</None>
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	<infoTable>
		<nameOfIssuer>AIR PRODUCTS&#38; CHEMICALS INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>009158106</cusip>
		<value>681</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3413</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>3401</Sole>
			<Shared>0</Shared>
			<None>12</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>ALEXION PHARMACEUTICALS INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>015351109</cusip>
		<value>2005</value>
		<shrsOrPrnAmt>
			<sshPrnamt>22332</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>21236</Sole>
			<Shared>0</Shared>
			<None>1096</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>ALIBABA GROUP HOLDING-SP ADR</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>01609W102</cusip>
		<value>233</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1200</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1200</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>ALLSTATE CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>020002101</cusip>
		<value>268</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2919</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2919</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>ALPHABET CLASS C</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>02079K107</cusip>
		<value>4902</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4216</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>4016</Sole>
			<Shared>0</Shared>
			<None>200</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>ALPHABET CLASS A</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>02079K305</cusip>
		<value>4132</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3556</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>3466</Sole>
			<Shared>0</Shared>
			<None>90</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ALTRIA GROUP INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>02209S103</cusip>
		<value>27945</value>
		<shrsOrPrnAmt>
			<sshPrnamt>722640</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>699170</Sole>
			<Shared>0</Shared>
			<None>23470</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AMAZON.COM INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>023135106</cusip>
		<value>3467</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1778</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>1748</Sole>
			<Shared>0</Shared>
			<None>30</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AMERICAN ELECT POWER INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>025537101</cusip>
		<value>444</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5553</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>5533</Sole>
			<Shared>0</Shared>
			<None>20</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>AMERICAN EXPRESS CO</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>025816109</cusip>
		<value>5115</value>
		<shrsOrPrnAmt>
			<sshPrnamt>59748</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>57546</Sole>
			<Shared>0</Shared>
			<None>2202</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>FOSUN INTL LTD</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>030981260</cusip>
		<value>20</value>
		<shrsOrPrnAmt>
			<sshPrnamt>15000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>15000</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AMGEN INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>031162100</cusip>
		<value>36343</value>
		<shrsOrPrnAmt>
			<sshPrnamt>179265</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>170759</Sole>
			<Shared>0</Shared>
			<None>8506</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>APPLE INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>037833100</cusip>
		<value>14410</value>
		<shrsOrPrnAmt>
			<sshPrnamt>56666</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>56005</Sole>
			<Shared>0</Shared>
			<None>661</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>APPLIED MATERIALS INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>038222105</cusip>
		<value>914</value>
		<shrsOrPrnAmt>
			<sshPrnamt>19942</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>19942</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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		<nameOfIssuer>BANK OF AMERICA CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>060505104</cusip>
		<value>1109</value>
		<shrsOrPrnAmt>
			<sshPrnamt>52220</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>52135</Sole>
			<Shared>0</Shared>
			<None>85</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BANK OF HAWAII CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>062540109</cusip>
		<value>453</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8200</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>8200</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>BANK OF NEW YORK MELLON CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>064058100</cusip>
		<value>205</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6090</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>6090</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BERKSHIRE HATHAWAY INC - CL B</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>084670702</cusip>
		<value>385</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2104</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2104</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BLACKROCK INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>09247X101</cusip>
		<value>34294</value>
		<shrsOrPrnAmt>
			<sshPrnamt>77946</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>74948</Sole>
			<Shared>0</Shared>
			<None>2998</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BOEING COMPANY</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>097023105</cusip>
		<value>1985</value>
		<shrsOrPrnAmt>
			<sshPrnamt>13309</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>12979</Sole>
			<Shared>0</Shared>
			<None>330</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BRISTOL-MYERS SQUIBB CO</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>110122108</cusip>
		<value>43503</value>
		<shrsOrPrnAmt>
			<sshPrnamt>780466</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>749181</Sole>
			<Shared>0</Shared>
			<None>31285</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>BROADCOM INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>11135F101</cusip>
		<value>38643</value>
		<shrsOrPrnAmt>
			<sshPrnamt>162980</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>156460</Sole>
			<Shared>0</Shared>
			<None>6520</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>CVS HEALTH CORPORATION</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>126650100</cusip>
		<value>42715</value>
		<shrsOrPrnAmt>
			<sshPrnamt>719958</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>684993</Sole>
			<Shared>0</Shared>
			<None>34965</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>CARNIVAL CORPORATION</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>143658300</cusip>
		<value>847</value>
		<shrsOrPrnAmt>
			<sshPrnamt>64345</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>61035</Sole>
			<Shared>0</Shared>
			<None>3310</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>CATERPILLAR INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>149123101</cusip>
		<value>1830</value>
		<shrsOrPrnAmt>
			<sshPrnamt>15774</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>15234</Sole>
			<Shared>0</Shared>
			<None>540</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CENTERPOINT ENERGY INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>15189T107</cusip>
		<value>14264</value>
		<shrsOrPrnAmt>
			<sshPrnamt>923253</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>900028</Sole>
			<Shared>0</Shared>
			<None>23225</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CHARTER COMMUNICATIONS INC-A</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>16119P108</cusip>
		<value>258</value>
		<shrsOrPrnAmt>
			<sshPrnamt>591</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>591</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CHEVRON CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>166764100</cusip>
		<value>31168</value>
		<shrsOrPrnAmt>
			<sshPrnamt>430134</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>412722</Sole>
			<Shared>0</Shared>
			<None>17412</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CISCO SYSTEMS INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>17275R102</cusip>
		<value>35814</value>
		<shrsOrPrnAmt>
			<sshPrnamt>911067</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>871609</Sole>
			<Shared>0</Shared>
			<None>39457</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CITIGROUP INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>172967424</cusip>
		<value>30063</value>
		<shrsOrPrnAmt>
			<sshPrnamt>713735</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>685878</Sole>
			<Shared>0</Shared>
			<None>27857</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>COMCAST CORP - CL A</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>20030N101</cusip>
		<value>3374</value>
		<shrsOrPrnAmt>
			<sshPrnamt>98127</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>95352</Sole>
			<Shared>0</Shared>
			<None>2775</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CORNING INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>219350105</cusip>
		<value>12781</value>
		<shrsOrPrnAmt>
			<sshPrnamt>622240</sshPrnamt>
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		<votingAuthority>
			<Sole>605805</Sole>
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			<None>16435</None>
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		<nameOfIssuer>COSTCO WHOLESALE CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>22160K105</cusip>
		<value>359</value>
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			<sshPrnamt>1257</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1257</Sole>
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			<None>0</None>
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		<nameOfIssuer>CREATIVE EDGE NUTRITION INC.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>22528W205</cusip>
		<value>0</value>
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			<sshPrnamt>123000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>123000</Sole>
			<Shared>0</Shared>
			<None>0</None>
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		<nameOfIssuer>DFA EMERGING MKTS CORE EQUITY</nameOfIssuer>
		<titleOfClass>FUND</titleOfClass>
		<cusip>233203421</cusip>
		<value>4026</value>
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			<sshPrnamt>258582</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>252862</Sole>
			<Shared>0</Shared>
			<None>5719</None>
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		<nameOfIssuer>DFA US TARGETED VALUE PORT</nameOfIssuer>
		<titleOfClass>FUND</titleOfClass>
		<cusip>233203595</cusip>
		<value>2670</value>
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			<sshPrnamt>190460</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>181539</Sole>
			<Shared>0</Shared>
			<None>8921</None>
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		<nameOfIssuer>DFA SMALL CAP VALUE FUND</nameOfIssuer>
		<titleOfClass>FUND</titleOfClass>
		<cusip>233203819</cusip>
		<value>3228</value>
		<shrsOrPrnAmt>
			<sshPrnamt>154169</sshPrnamt>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>153626</Sole>
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			<None>543</None>
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		<nameOfIssuer>DFA US LARGE CAP VALUE FUND</nameOfIssuer>
		<titleOfClass>FUND</titleOfClass>
		<cusip>233203827</cusip>
		<value>4444</value>
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			<sshPrnamt>169054</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>165307</Sole>
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			<None>3747</None>
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		<nameOfIssuer>DFA INTL VALUE FUND</nameOfIssuer>
		<titleOfClass>FUND</titleOfClass>
		<cusip>25434D203</cusip>
		<value>10222</value>
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			<sshPrnamt>847555</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>827873</Sole>
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			<None>19681</None>
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		<nameOfIssuer>DISNEY WALT CO</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>254687106</cusip>
		<value>3374</value>
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			<sshPrnamt>34925</sshPrnamt>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>33815</Sole>
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			<None>1110</None>
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		<nameOfIssuer>DISCOVERY INC - C</nameOfIssuer>
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		<cusip>25470F302</cusip>
		<value>1630</value>
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			<sshPrnamt>92937</sshPrnamt>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>89537</Sole>
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			<None>3400</None>
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		<nameOfIssuer>DOW INC</nameOfIssuer>
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		<cusip>260557103</cusip>
		<value>1306</value>
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			<sshPrnamt>44649</sshPrnamt>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>42963</Sole>
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			<None>1686</None>
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		<nameOfIssuer>DUPONT DE NEMOURS INC</nameOfIssuer>
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		<cusip>26614N102</cusip>
		<value>17156</value>
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			<sshPrnamt>503100</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>481934</Sole>
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			<None>21166</None>
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		<nameOfIssuer>EMERSON ELECTRIC COMPANY</nameOfIssuer>
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		<cusip>291011104</cusip>
		<value>236</value>
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			<sshPrnamt>4959</sshPrnamt>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4959</Sole>
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			<None>0</None>
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		<nameOfIssuer>EXELON CORPORATION</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>30161N101</cusip>
		<value>847</value>
		<shrsOrPrnAmt>
			<sshPrnamt>23022</sshPrnamt>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>21772</Sole>
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			<None>1250</None>
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		<nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>30231G102</cusip>
		<value>214</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5635</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>5635</Sole>
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			<None>0</None>
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		<nameOfIssuer>FACEBOOK INC-A</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>30303M102</cusip>
		<value>3345</value>
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			<sshPrnamt>20056</sshPrnamt>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>19366</Sole>
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			<None>690</None>
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		<nameOfIssuer>FRESH PROMISE FOODS INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>35804Q205</cusip>
		<value>0</value>
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			<sshPrnamt>248000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>248000</Sole>
			<Shared>0</Shared>
			<None>0</None>
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		<nameOfIssuer>GENERAL ELECTRIC COMPANY</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>369604103</cusip>
		<value>87</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10898</sshPrnamt>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>10898</Sole>
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			<None>0</None>
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		<nameOfIssuer>GENERAL MILLS INCORPORATED</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>370334104</cusip>
		<value>21563</value>
		<shrsOrPrnAmt>
			<sshPrnamt>408616</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>392131</Sole>
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			<None>16485</None>
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		<nameOfIssuer>GENUINE PARTS CO</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>372460105</cusip>
		<value>22314</value>
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			<sshPrnamt>331408</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>317668</Sole>
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			<None>13740</None>
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		<nameOfIssuer>GILEAD SCIENCES INC</nameOfIssuer>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>302985</Sole>
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			<None>18446</None>
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		<nameOfIssuer>GOLDMAN SACHS GROUP INC</nameOfIssuer>
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		<cusip>38141G104</cusip>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>17181</Sole>
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			<None>1040</None>
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		<nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>165821</Sole>
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			<None>7222</None>
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		<nameOfIssuer>HONEYWELL INTERNATIONAL INC</nameOfIssuer>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>10005</Sole>
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			<None>28</None>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>74432</Sole>
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			<None>12488</None>
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		<nameOfIssuer>INTERNATIONAL BUSINESS MACHINE</nameOfIssuer>
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		<cusip>459200101</cusip>
		<value>292</value>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2630</Sole>
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			<None>0</None>
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		<nameOfIssuer>INVESCO QQQ TR</nameOfIssuer>
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		<cusip>46090E103</cusip>
		<value>824</value>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4327</Sole>
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			<None>0</None>
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		<nameOfIssuer>ISHARES MSCI EAFE ETF</nameOfIssuer>
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		<cusip>464287465</cusip>
		<value>348</value>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>6500</Sole>
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			<None>0</None>
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		<cusip>464287481</cusip>
		<value>5822</value>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>45955</Sole>
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			<None>1928</None>
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		<nameOfIssuer>ISHARES RUSSELL 1000 GROWTH ET</nameOfIssuer>
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		<cusip>464287614</cusip>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>23392</Sole>
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			<None>525</None>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>3550</Sole>
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			<None>728</None>
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		<nameOfIssuer>ISHARES MSCI EAFE SMALL-CAP ET</nameOfIssuer>
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		<cusip>464288273</cusip>
		<value>408</value>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
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			<None>1100</None>
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		<nameOfIssuer>ISHARES MSCI EAFE VALUE ETF</nameOfIssuer>
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		<cusip>464288877</cusip>
		<value>578</value>
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			<sshPrnamt>16200</sshPrnamt>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>16200</Sole>
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		<cusip>46431W507</cusip>
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		<shrsOrPrnAmt>
			<sshPrnamt>4987</sshPrnamt>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4987</Sole>
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			<sshPrnamt>5950</sshPrnamt>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>4900</Sole>
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			<None>1050</None>
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	<infoTable>
		<nameOfIssuer>ISHARES CURR HED MSCI EAFE ETF</nameOfIssuer>
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		<cusip>46434V803</cusip>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>73682</Sole>
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			<None>4125</None>
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	<infoTable>
		<nameOfIssuer>JPMORGAN CHASE&#38; CO</nameOfIssuer>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>439096</Sole>
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			<None>19570</None>
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	<infoTable>
		<nameOfIssuer>JOHNSON&#38; JOHNSON</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
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		<nameOfIssuer>KIMBERLY-CLARK CORPORATION</nameOfIssuer>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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		<nameOfIssuer>LILLY ELI&#38; COMPANY</nameOfIssuer>
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		<cusip>532457108</cusip>
		<value>30756</value>
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			<Sole>210940</Sole>
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		<nameOfIssuer>LINCOLN NATIONAL CORP</nameOfIssuer>
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		<nameOfIssuer>LOCKHEED MARTIN CORPORATION</nameOfIssuer>
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		<nameOfIssuer>LOWES COMPANIES INC</nameOfIssuer>
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		<investmentDiscretion>DFND</investmentDiscretion>
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		<nameOfIssuer>MARSH&#38; MCLENNAN COS INC</nameOfIssuer>
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		<nameOfIssuer>MASTERCARD INC -CLASS A</nameOfIssuer>
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		<nameOfIssuer>MCDONALDS CORP</nameOfIssuer>
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		<investmentDiscretion>DFND</investmentDiscretion>
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		<nameOfIssuer>MEDICAL MARIJUANA INC</nameOfIssuer>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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		<nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
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		<investmentDiscretion>DFND</investmentDiscretion>
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			<Sole>76306</Sole>
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		<nameOfIssuer>MICROCHIP TECHNOLOGY INC</nameOfIssuer>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
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		<nameOfIssuer>MORGAN STANLEY</nameOfIssuer>
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		<investmentDiscretion>DFND</investmentDiscretion>
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		<nameOfIssuer>NIKE INC - CL B</nameOfIssuer>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>3433</Sole>
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		<nameOfIssuer>OI SA-ADR</nameOfIssuer>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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		<nameOfIssuer>OMNICOM GROUP</nameOfIssuer>
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		<nameOfIssuer>ORACLE CORP</nameOfIssuer>
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		<nameOfIssuer>PNC FINANCIAL SERVICES GROUP</nameOfIssuer>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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		<nameOfIssuer>PEPSICO INCORPORATED</nameOfIssuer>
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		<nameOfIssuer>PFIZER INC</nameOfIssuer>
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		<investmentDiscretion>DFND</investmentDiscretion>
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		<nameOfIssuer>PHILIP MORRIS INTL INC</nameOfIssuer>
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		<investmentDiscretion>DFND</investmentDiscretion>
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		<nameOfIssuer>PHILLIPS 66</nameOfIssuer>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
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		<nameOfIssuer>PROCTER AND GAMBLE COMPANY</nameOfIssuer>
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		<investmentDiscretion>DFND</investmentDiscretion>
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		<nameOfIssuer>PUBLIC STORAGE</nameOfIssuer>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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		<nameOfIssuer>RAYTHEON COMPANY</nameOfIssuer>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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		<nameOfIssuer>ROYAL DUTCH SHELL PLC A - ADR</nameOfIssuer>
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		<nameOfIssuer>SPDR S&#38;P 500 ETF</nameOfIssuer>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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		<nameOfIssuer>SCHWAB S&#38;P 500 INDEX FUND</nameOfIssuer>
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		<nameOfIssuer>SPDR S&#38;P CONS STAPLES SEL ETF</nameOfIssuer>
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		<nameOfIssuer>SEMPRA ENERGY</nameOfIssuer>
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		<nameOfIssuer>TAIWAN SEMICONDUCTOR - SP ADR</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
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			<sshPrnamt>739354</sshPrnamt>
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		<nameOfIssuer>TARGET CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
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		<nameOfIssuer>3M COMPANY</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>88579Y101</cusip>
		<value>262</value>
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			<sshPrnamt>1919</sshPrnamt>
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			<Sole>1919</Sole>
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		<nameOfIssuer>TOTAL SA - SPON ADR</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>89151E109</cusip>
		<value>821</value>
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			<sshPrnamt>22050</sshPrnamt>
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			<Sole>22050</Sole>
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		<nameOfIssuer>TRAVELERS COS INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
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		<value>28105</value>
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			<sshPrnamt>282886</sshPrnamt>
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		<nameOfIssuer>TRUIST FINANCIAL CORPORATION</nameOfIssuer>
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		<investmentDiscretion>DFND</investmentDiscretion>
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		<nameOfIssuer>TYSON FOODS INC - CL A</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>902494103</cusip>
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		<investmentDiscretion>DFND</investmentDiscretion>
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			<Sole>370327</Sole>
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		<nameOfIssuer>ULTA SALON COSMETICS&#38; FRAGR</nameOfIssuer>
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		<cusip>90384S303</cusip>
		<value>1457</value>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>7951</Sole>
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			<None>341</None>
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		<nameOfIssuer>UNION PACIFIC CORPORATION</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>907818108</cusip>
		<value>548</value>
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			<sshPrnamt>3888</sshPrnamt>
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		<investmentDiscretion>DFND</investmentDiscretion>
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			<Sole>3872</Sole>
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		<nameOfIssuer>UNITED PARCEL SERVICE - CL B</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>911312106</cusip>
		<value>38413</value>
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		<investmentDiscretion>DFND</investmentDiscretion>
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			<Sole>396303</Sole>
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		<nameOfIssuer>UNITED TECHNOLOGIES CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>913017109</cusip>
		<value>1474</value>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
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		<nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
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		<nameOfIssuer>VANGUARD DVD APPREC INDX</nameOfIssuer>
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		<cusip>921908828</cusip>
		<value>260</value>
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			<None>0</None>
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		<nameOfIssuer>VANGUARD INTL GROWTH FD-ADMIR</nameOfIssuer>
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		<cusip>921910501</cusip>
		<value>10636</value>
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		<nameOfIssuer>VANGUARD INTERM GOVT BD</nameOfIssuer>
		<titleOfClass>FUND</titleOfClass>
		<cusip>92206C706</cusip>
		<value>210</value>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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		<nameOfIssuer>VANGUARD 500 INDEX FUND-ADM</nameOfIssuer>
		<titleOfClass>FUND</titleOfClass>
		<cusip>922908710</cusip>
		<value>357</value>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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		<nameOfIssuer>VANGUARD GROWTH ETF</nameOfIssuer>
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		<cusip>922908736</cusip>
		<value>263</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1679</sshPrnamt>
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		<investmentDiscretion>DFND</investmentDiscretion>
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		<nameOfIssuer>VERIZON COMMUNICATIONS</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>92343V104</cusip>
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		<investmentDiscretion>DFND</investmentDiscretion>
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		<nameOfIssuer>VISA INC - CL A</nameOfIssuer>
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		<cusip>92826C839</cusip>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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		<nameOfIssuer>WAL-MART INC.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>931142103</cusip>
		<value>399</value>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3515</Sole>
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		<nameOfIssuer>WELLS FARGO&#38; COMPANY</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>949746101</cusip>
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		<investmentDiscretion>DFND</investmentDiscretion>
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		<nameOfIssuer>WESTERN DIGITAL CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>958102105</cusip>
		<value>3571</value>
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			<sshPrnamt>85804</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>82154</Sole>
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		<nameOfIssuer>XILINX INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>983919101</cusip>
		<value>546</value>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>7003</Sole>
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		<nameOfIssuer>ALLERGAN PLC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>G0177J108</cusip>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>27441</Sole>
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		<nameOfIssuer>EATON CORP PLC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>30059</Sole>
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		<nameOfIssuer>APTIV PLC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>27017</Sole>
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			<None>1150</None>
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		<nameOfIssuer>NXP SEMICONDUCTORS NV</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>N6596X109</cusip>
		<value>507</value>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>6081</Sole>
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			<None>27</None>
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</informationTable>
