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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AFLAC INC COM 001055102   293 8,060 SH   SOLE   8,060 0 0
AT&T INC COM 00206R102   40,204 1,410,188 SH   DFND   1,360,437 0 49,750
ABBOTT LABORATORIES COM 002824100   1,338 12,298 SH   DFND   6,854 0 5,444
ABBVIE INC COM 00287Y109   47,498 542,275 SH   DFND   520,111 0 22,164
ADOBE INC. COM 00724F101   1,938 3,951 SH   SOLE   3,951 0 0
AGENT INFORMATION SOFTWARE I COM 00847D108   77 28,000 SH   SOLE   28,000 0 0
AIR PRODUCTS& CHEMICALS INC COM 009158106   1,535 5,154 SH   DFND   5,067 0 87
ALEXION PHARMACEUTICALS INC COM 015351109   2,498 21,833 SH   DFND   20,547 0 1,286
ALLSTATE CORP COM 020002101   314 3,340 SH   SOLE   3,340 0 0
ALPHABET CLASS C COM 02079K107   4,659 3,170 SH   DFND   3,052 0 118
ALPHABET CLASS A COM 02079K305   4,222 2,881 SH   DFND   2,786 0 95
ALTRIA GROUP INC COM 02209S103   29,969 775,599 SH   DFND   753,568 0 22,030
AMAZON.COM INC COM 023135106   7,003 2,224 SH   DFND   2,153 0 71
AMERICAN EXPRESS CO COM 025816109   1,431 14,271 SH   DFND   14,044 0 227
AMGEN INC COM 031162100   37,184 146,300 SH   DFND   139,857 0 6,443
APPLE INC COM 037833100   27,310 235,821 SH   DFND   232,277 0 3,544
APPLIED MATERIALS INC COM 038222105   1,095 18,422 SH   SOLE   18,422 0 0
BANK OF AMERICA CORP COM 060505104   38,233 1,587,110 SH   DFND   1,519,775 0 67,335
BELO SUN MINING CORP COM 080558109   38 48,900 SH   SOLE   48,900 0 0
BERKSHIRE HATHAWAY INC - CL B COM 084670702   273 1,280 SH   SOLE   1,280 0 0
BLACKROCK INC COM 09247X101   43,164 76,593 SH   DFND   73,868 0 2,725
BOEING COMPANY COM 097023105   881 5,331 SH   SOLE   5,331 0 0
BORGWARNER INC COM 099724106   596 15,380 SH   DFND   15,090 0 290
BRISTOL-MYERS SQUIBB CO COM 110122108   44,723 741,802 SH   DFND   712,707 0 29,095
BROADCOM INC COM 11135F101   42,372 116,305 SH   DFND   111,430 0 4,875
CVS HEALTH CORPORATION COM 126650100   42,111 721,078 SH   DFND   692,288 0 28,790
CAPITAL WORLD GROWTH& INC-A FUND 140543109   207 3,987 SH   SOLE   3,987 0 0
CATERPILLAR INC COM 149123101   605 4,053 SH   SOLE   4,053 0 0
CHARTER COMMUNICATIONS INC-A COM 16119P108   369 591 SH   SOLE   591 0 0
CHEVRON CORP COM 166764100   32,633 453,230 SH   DFND   440,428 0 12,802
CISCO SYSTEMS INC COM 17275R102   37,747 958,282 SH   DFND   917,089 0 41,192
CITIGROUP INC COM 172967424   24,114 559,348 SH   DFND   546,358 0 12,990
COMCAST CORP - CL A COM 20030N101   29,600 639,860 SH   DFND   613,625 0 26,235
CORNING INC COM 219350105   35,187 1,085,671 SH   DFND   1,059,671 0 26,000
COSTCO WHOLESALE CORP COM 22160K105   490 1,379 SH   SOLE   1,379 0 0
CREATIVE EDGE NUTRITION INC. COM 22528W205   0 123,000 SH   SOLE   123,000 0 0
DFA EMERGING MKTS CORE EQUITY FUND 233203421   4,809 239,474 SH   DFND   234,833 0 4,641
DFA US TARGETED VALUE PORT FUND 233203595   3,768 210,757 SH   DFND   203,146 0 7,610
DFA SMALL CAP VALUE FUND FUND 233203819   3,517 133,723 SH   DFND   133,180 0 543
DFA US LARGE CAP VALUE FUND FUND 233203827   4,880 153,473 SH   SOLE   153,473 0 0
DELTA AIRLINES INC COM 247361702   2,258 73,836 SH   DFND   69,561 0 4,275
DFA INTL VALUE FUND FUND 25434D203   11,378 816,203 SH   DFND   798,211 0 17,992
DISNEY WALT CO COM 254687106   6,576 53,001 SH   DFND   50,766 0 2,235
DISCOVERY INC -A COM 25470F104   1,484 68,182 SH   DFND   64,407 0 3,775
DOW INC COM 260557103   2,386 50,710 SH   DFND   48,532 0 2,178
DUPONT DE NEMOURS INC COM 26614N102   31,503 567,834 SH   DFND   543,059 0 24,775
EMERSON ELECTRIC COMPANY COM 291011104   325 4,959 SH   SOLE   4,959 0 0
EVERGY INC COM 30034W106   24,784 487,676 SH   DFND   476,041 0 11,635
EXELON CORPORATION COM 30161N101   1,387 38,791 SH   DFND   36,791 0 2,000
FACEBOOK INC-A COM 30303M102   4,408 16,829 SH   DFND   16,209 0 620
FRESH PROMISE FOODS INC COM 35804Q205   0 248,000 SH   SOLE   248,000 0 0
GENERAL ELECTRIC COMPANY COM 369604103   1,256 201,538 SH   DFND   191,163 0 10,375
GENERAL MILLS INCORPORATED COM 370334104   25,353 411,044 SH   DFND   391,384 0 19,660
GENUINE PARTS CO COM 372460105   31,784 333,968 SH   DFND   320,578 0 13,390
GILEAD SCIENCES INC COM 375558103   19,919 315,224 SH   DFND   299,473 0 15,751
GOLDMAN SACHS GROUP INC COM 38141G104   322 1,601 SH   DFND   1,376 0 225
HOME DEPOT INC COM 437076102   29,396 105,851 SH   DFND   100,374 0 5,477
HONEYWELL INTERNATIONAL INC COM 438516106   2,989 18,161 SH   DFND   17,858 0 303
INTEL CORPORATION COM 458140100   5,915 114,241 SH   DFND   100,308 0 13,933
INTERNATIONAL BUSINESS MACHINE COM 459200101   291 2,395 SH   SOLE   2,395 0 0
INVESCO QQQ TR FUND 46090E103   1,133 4,077 SH   SOLE   4,077 0 0
ISHARES MSCI EMERGING MKTS ETF FUND 464287234   235 5,333 SH   DFND   5,295 0 38
ISHARES MSCI EAFE ETF FUND 464287465   1,581 24,840 SH   DFND   24,315 0 525
ISHARES RUSSELL M/C GROWTH ETF FUND 464287481   7,580 43,848 SH   DFND   41,895 0 1,953
ISHARES RUSSELL 1000 VALUE ETF FUND 464287598   316 2,675 SH   SOLE   2,675 0 0
ISHARES RUSSELL 1000 GROWTH ET FUND 464287614   4,719 21,756 SH   DFND   21,231 0 525
ISHARES RUSSELL 2000 VALUE FD FUND 464287630   435 4,378 SH   DFND   3,550 0 828
ISHARES MSCI EAFE SMALL-CAP ET FUND 464288273   597 10,117 SH   DFND   9,017 0 1,100
ISHARES MSCI EAFE VALUE ETF FUND 464288877   1,430 35,450 SH   SOLE   35,450 0 0
ISHARES CORE MSCI EM MKTS ETF FUND 46434G103   326 6,180 SH   DFND   5,130 0 1,050
JPMORGAN CHASE& CO COM 46625H100   46,184 479,729 SH   DFND   459,316 0 20,412
JOHNSON& JOHNSON COM 478160104   31,008 208,271 SH   DFND   198,887 0 9,384
KELLOGG COMPANY COM 487836108   2,954 45,733 SH   DFND   44,441 0 1,292
KIMBERLY-CLARK CORPORATION COM 494368103   541 3,662 SH   SOLE   3,662 0 0
LILLY ELI& COMPANY COM 532457108   3,880 26,209 SH   DFND   21,118 0 5,091
LINCOLN NATIONAL CORP COM 534187109   2,332 74,449 SH   DFND   70,749 0 3,700
LOCKHEED MARTIN CORPORATION COM 539830109   28,868 75,318 SH   DFND   71,823 0 3,495
LOWES COMPANIES INC COM 548661107   6,020 36,294 SH   DFND   30,585 0 5,709
MARSH& MCLENNAN COS INC COM 571748102   951 8,294 SH   DFND   8,074 0 220
MASTERCARD INC -CLASS A COM 57636Q104   297 878 SH   SOLE   878 0 0
MCDONALDS CORP COM 580135101   29,274 133,374 SH   DFND   126,955 0 6,419
MEDICAL MARIJUANA INC COM 58463A105   0 31,000 SH   SOLE   31,000 0 0
MERCK& COMPANY INC COM 58933Y105   1,262 15,214 SH   SOLE   15,214 0 0
METLIFE INC COM 59156R108   3,188 85,766 SH   DFND   84,121 0 1,645
MICROSOFT CORP COM 594918104   17,019 80,913 SH   DFND   74,295 0 6,618
MICROCHIP TECHNOLOGY INC COM 595017104   806 7,847 SH   SOLE   7,847 0 0
MICRON TECHNOLOGY INC COM 595112103   2,345 49,938 SH   DFND   47,238 0 2,700
MITSUBISHI UFJ FINL GRP - ADR COM 606822104   47 11,700 SH   SOLE   11,700 0 0
MONDELEZ INTERNATIONAL INC COM 609207105   205 3,573 SH   SOLE   3,573 0 0
MORGAN STANLEY COM 617446448   48,252 997,964 SH   DFND   956,944 0 41,020
NIKE INC - CL B COM 654106103   4,451 35,453 SH   DFND   34,375 0 1,078
NVIDIA CORP COM 67066G104   263 486 SH   SOLE   486 0 0
OMNICOM GROUP COM 681919106   24,935 503,744 SH   DFND   491,667 0 12,077
ORACLE CORP COM 68389X105   5,422 90,816 SH   DFND   87,574 0 3,242
PNC FINANCIAL SERVICES GROUP COM 693475105   1,011 9,198 SH   SOLE   9,198 0 0
PEPSICO INCORPORATED COM 713448108   3,623 26,137 SH   DFND   25,882 0 255
PFIZER INC COM 717081103   2,293 62,470 SH   DFND   61,508 0 962
PHILIP MORRIS INTL INC COM 718172109   24,900 332,049 SH   DFND   321,192 0 10,857
PHILLIPS 66 COM 718546104   20,366 392,860 SH   DFND   382,251 0 10,609
PROCTER AND GAMBLE COMPANY COM 742718109   1,760 12,666 SH   DFND   12,266 0 400
PROVISION HOLDING INC COM 744121104   0 303,565 SH   SOLE   303,565 0 0
PUBLIC STORAGE COM 74460D109   287 1,290 SH   SOLE   1,290 0 0
QUALCOMM INC COM 747525103   4,056 34,466 SH   DFND   27,316 0 7,150
RALPH LAUREN CORP COM 751212101   1,269 18,675 SH   DFND   17,580 0 1,095
RAYTHEON TECHNOLOGIES CORP COM 75513E101   1,070 18,601 SH   DFND   10,645 0 7,956
RESMED INC COM 761152107   326 1,900 SH   SOLE   1,900 0 0
SPDR S&P 500 ETF FUND 78462F103   3,902 11,651 SH   SOLE   11,651 0 0
SABINA GOLD& SILVER CORP COM 785246109   136 70,092 SH   SOLE   70,092 0 0
SCHWAB S&P 500 INDEX FUND FUND 808509855   434 8,317 SH   SOLE   8,317 0 0
SPDR S&P CONS STAPLES SEL ETF COM 81369Y308   561 8,750 SH   DFND   7,200 0 1,550
SEMPRA ENERGY COM 816851109   27,693 233,973 SH   DFND   228,705 0 5,268
SOUTHERN COMPANY COM 842587107   239 4,411 SH   SOLE   4,411 0 0
STARBUCKS CORP COM 855244109   1,110 12,915 SH   SOLE   12,915 0 0
TAIWAN SEMICONDUCTOR - SP ADR COM 874039100   7,472 92,168 SH   DFND   80,243 0 11,925
TARGET CORP COM 87612E106   7,295 46,342 SH   DFND   44,832 0 1,510
TESLA INC. COM 88160R101   644 1,500 SH   SOLE   1,500 0 0
3M COMPANY COM 88579Y101   3,555 22,192 SH   DFND   21,394 0 798
TRAVELERS COS INC COM 89417E109   36,587 338,170 SH   DFND   328,430 0 9,740
TRUIST FINANCIAL CORPORATION COM 89832Q109   22,854 600,618 SH   DFND   583,843 0 16,775
TYSON FOODS INC - CL A COM 902494103   33,792 568,121 SH   DFND   547,406 0 20,715
ULTA SALON COSMETICS& FRAGR COM 90384S303   3,228 14,413 SH   DFND   13,797 0 616
UNITED PARCEL SERVICE - CL B COM 911312106   35,678 214,114 SH   DFND   203,362 0 10,752
UNITEDHEALTH GROUP INC COM 91324P102   5,631 18,059 SH   DFND   17,214 0 845
VANGUARD INTL GROWTH FD-ADMIR FUND 921910501   15,261 113,631 SH   DFND   111,494 0 2,136
VANGUARD MSCI EAFE ETF FUND 921943858   461 11,268 SH   DFND   8,211 0 3,057
VANGUARD SHORT-TERM GOV BND FUND 92206C102   235 3,792 SH   SOLE   3,792 0 0
VANGUARD S&P 500 ETF FUND 922908363   572 1,934 SH   SOLE   1,934 0 0
VANGUARD 500 INDEX FUND-ADM FUND 922908710   448 1,444 SH   SOLE   1,444 0 0
VANGUARD GROWTH ETF FUND 922908736   382 1,679 SH   DFND   641 0 1,038
VERIZON COMMUNICATIONS COM 92343V104   36,650 616,064 SH   DFND   590,500 0 25,563
VISA INC - CL A COM 92826C839   5,633 28,170 SH   DFND   27,155 0 1,015
WAL-MART INC. COM 931142103   569 4,069 SH   SOLE   4,069 0 0
WELLS FARGO& COMPANY COM 949746101   3,328 141,536 SH   DFND   134,986 0 6,550
WESTERN DIGITAL CORP COM 958102105   2,399 65,643 SH   DFND   61,993 0 3,650
XILINX INC COM 983919101   647 6,203 SH   SOLE   6,203 0 0
EATON CORP PLC COM G29183103   6,114 59,924 SH   DFND   57,639 0 2,285
APTIV PLC COM G6095L109   2,627 28,652 SH   DFND   27,402 0 1,250
NXP SEMICONDUCTORS NV COM N6596X109   1,496 11,983 SH   DFND   11,756 0 227