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
ABB LTD - SP ADR COM 000375204 387 10,150 SH   SOLE   10,150 0 0
AFLAC INC COM 001055102 353 6,042 SH   SOLE   6,042 0 0
AES CORPORATION COM 00130H105 307 12,615 SH   SOLE   12,615 0 0
AT&T INC COM 00206R102 21,973 893,191 SH   DFND   880,110 0 13,080
ABBOTT LABORATORIES COM 002824100 782 5,556 SH   DFND   2,681 0 2,875
ABBVIE INC COM 00287Y109 79,734 588,873 SH   DFND   566,458 0 22,415
ADOBE INC. COM 00724F101 2,805 4,947 SH   SOLE   4,947 0 0
AGENT INFORMATION SOFTWARE I COM 00847D108 53 28,000 SH   SOLE   28,000 0 0
AIR PRODUCTS& CHEMICALS INC COM 009158106 2,644 8,691 SH   DFND   8,599 0 92
ALPHABET CLASS C COM 02079K107 8,354 2,887 SH   DFND   2,813 0 74
ALPHABET CLASS A COM 02079K305 6,770 2,337 SH   DFND   2,247 0 90
ALTRIA GROUP INC COM 02209S103 41,073 866,702 SH   DFND   838,282 0 28,420
AMAZON.COM INC COM 023135106 8,973 2,691 SH   DFND   2,598 0 93
AMERICAN EXPRESS CO COM 025816109 3,187 19,481 SH   DFND   19,254 0 227
AMGEN INC COM 031162100 2,651 11,785 SH   DFND   11,660 0 125
APPLE INC COM 037833100 35,534 200,110 SH   DFND   197,123 0 2,987
APPLIED MATERIALS INC COM 038222105 2,570 16,335 SH   SOLE   16,335 0 0
ARES CAPITAL CORP COM 04010L103 472 22,257 SH   SOLE   22,257 0 0
ARISTA NETWORKS INC. COM 040413106 230 1,600 SH   SOLE   1,600 0 0
ASTRAZENECA PLC - ADR COM 046353108 3,079 52,856 SH   DFND   50,648 0 2,208
AXA - SP ADR COM 054536107 357 11,995 SH   SOLE   11,995 0 0
BAE SYSTEMS PLC - SP ADR COM 05523R107 315 10,560 SH   SOLE   10,560 0 0
BP PLC - ADR COM 055622104 494 18,544 SH   SOLE   18,544 0 0
BNP PARIBAS-ADR COM 05565A202 300 8,635 SH   SOLE   8,635 0 0
BANK OF AMERICA CORP COM 060505104 74,407 1,672,435 SH   DFND   1,597,660 0 74,775
BANK OF NEW YORK MELLON CORP COM 064058100 2,638 45,415 SH   DFND   43,375 0 2,040
BARCLAYS PLC - ADR COM 06738E204 287 27,700 SH   SOLE   27,700 0 0
BERKSHIRE HATHAWAY INC - CL B COM 084670702 739 2,473 SH   SOLE   2,473 0 0
BHP BILLITON LTD - SP ADR COM 088606108 1,010 16,738 SH   DFND   15,938 0 800
BLACKROCK INC COM 09247X101 38,430 41,974 SH   DFND   39,617 0 2,357
BOEING COMPANY COM 097023105 860 4,273 SH   SOLE   4,273 0 0
BORGWARNER INC COM 099724106 3,787 84,033 SH   DFND   81,530 0 2,503
BRISTOL-MYERS SQUIBB CO COM 110122108 65,203 1,045,751 SH   DFND   1,011,380 0 34,370
BRITISH AMERN TOBACCO PLC ADR COM 110448107 606 16,188 SH   SOLE   16,188 0 0
BROADCOM INC COM 11135F101 74,417 111,836 SH   DFND   107,021 0 4,815
CK HUTCHISON HOLDIN-UNSP ADR COM 12562Y100 332 51,675 SH   SOLE   51,675 0 0
CVS HEALTH CORPORATION COM 126650100 70,875 687,035 SH   DFND   661,150 0 25,885
COTERRA ENERGY COM 127097103 6,407 337,195 SH   DFND   321,895 0 15,300
CAPITAL WORLD GROWTH& INC-A FUND 140543109 268 4,201 SH   SOLE   4,201 0 0
CAPITAL WRLD GRTH& INC-F2 FUND 140543828 269 4,236 SH   SOLE   4,236 0 0
CATERPILLAR INC COM 149123101 1,052 5,090 SH   SOLE   5,090 0 0
CHARTER COMMUNICATIONS INC-A COM 16119P108 398 611 SH   SOLE   611 0 0
CHEVRON CORP COM 166764100 64,277 547,737 SH   DFND   526,650 0 21,087
CISCO SYSTEMS INC COM 17275R102 80,279 1,266,832 SH   DFND   1,217,799 0 49,033
CITIGROUP INC COM 172967424 205 3,388 SH   SOLE   3,388 0 0
COCA-COLA COMPANY COM 191216100 251 4,244 SH   SOLE   4,244 0 0
COMCAST CORP - CL A COM 20030N101 31,048 616,896 SH   DFND   587,541 0 29,355
CONSTELLATION BRANDS INC-A COM 21036P108 4,932 19,651 SH   DFND   18,816 0 835
CORNING INC COM 219350105 38,808 1,042,396 SH   DFND   1,007,521 0 34,875
COSTCO WHOLESALE CORP COM 22160K105 2,318 4,083 SH   SOLE   4,083 0 0
DFA US CORE EQUITY 1 PORT FUND 233203413 234 6,406 SH   SOLE   6,406 0 0
DFA EMERGING MKTS CORE EQUITY FUND 233203421 6,019 240,386 SH   DFND   237,403 0 2,983
DFA US TARGETED VALUE PORT FUND 233203595 5,728 189,656 SH   DFND   184,781 0 4,875
DFA SMALL CAP VALUE FUND FUND 233203819 6,229 143,282 SH   DFND   142,689 0 593
DFA US LARGE CAP VALUE FUND FUND 233203827 7,757 168,412 SH   SOLE   168,412 0 0
DFA INTL L/C GROWTH PORT FUND 23320G265 7,536 427,937 SH   DFND   423,045 0 4,892
DFA INTL VALUE FUND FUND 25434D203 15,293 798,155 SH   DFND   782,824 0 15,331
DIMENSIONAL EMERGING CORE EQ FUND 25434V302 671 24,530 SH   SOLE   24,530 0 0
DISNEY WALT CO COM 254687106 11,464 74,011 SH   DFND   70,581 0 3,430
DOMINION ENERGY INC COM 25746U109 1,840 23,427 SH   DFND   22,449 0 978
DOW INC COM 260557103 2,739 48,282 SH   DFND   46,292 0 1,990
DUKE ENERGY CORP COM 26441C204 371 3,539 SH   SOLE   3,539 0 0
DUPONT DE NEMOURS INC COM 26614N102 7,243 89,659 SH   DFND   82,296 0 7,363
EASTMAN CHEMICAL COMPANY COM 277432100 1,715 14,185 SH   DFND   14,008 0 177
EMERSON ELECTRIC COMPANY COM 291011104 5,761 61,965 SH   DFND   59,495 0 2,470
ENBRIDGE INC COM 29250N105 26,856 687,203 SH   DFND   655,833 0 31,370
ERICSSON COM 294821608 268 24,625 SH   SOLE   24,625 0 0
EVERGY INC COM 30034W106 22,004 320,713 SH   DFND   306,138 0 14,575
EXELON CORPORATION COM 30161N101 510 8,825 SH   SOLE   8,825 0 0
EXPEDIA GROUP INC. COM 30212P303 4,583 25,357 SH   DFND   24,187 0 1,170
EXXON MOBIL CORP COM 30231G102 9,614 157,110 SH   DFND   149,560 0 7,550
META PLATFORMS INC COM 30303M102 1,465 4,355 SH   DFND   4,205 0 150
FIDELITY 500 INDEX-INST PRM FUND 315911750 202 1,221 SH   SOLE   1,221 0 0
FRANKLIN CA TX FREDD INC FUND FUND 352518401 83 10,720 SH   SOLE   10,720 0 0
GENERAL ELECTRIC CO COM 369604301 7,700 81,503 SH   DFND   77,464 0 4,039
GENERAL MILLS INCORPORATED COM 370334104 3,005 44,599 SH   DFND   44,254 0 345
GENUINE PARTS CO COM 372460105 32,045 228,564 SH   DFND   217,794 0 10,770
GILEAD SCIENCES INC COM 375558103 38,456 529,619 SH   DFND   516,744 0 12,875
GOLDMAN SACHS GROUP INC COM 38141G104 295 772 SH   SOLE   772 0 0
HOME DEPOT INC COM 437076102 44,378 106,931 SH   DFND   102,454 0 4,477
HONDA MOTOR CO LTD - SP ADR COM 438128308 362 12,735 SH   SOLE   12,735 0 0
HONEYWELL INTERNATIONAL INC COM 438516106 3,952 18,952 SH   DFND   18,702 0 250
IMPERIAL BRANDS PLC-SPON ADR COM 45262P102 243 11,060 SH   SOLE   11,060 0 0
INTEL CORPORATION COM 458140100 9,438 183,256 SH   DFND   165,883 0 17,373
INTERNATIONAL BUSINESS MACHINE COM 459200101 613 4,584 SH   SOLE   4,584 0 0
INT'L FLAVORS& FRAGRANCES COM 459506101 38,682 256,766 SH   DFND   245,831 0 10,935
INVESCO QQQ TR FUND 46090E103 1,883 4,734 SH   SOLE   4,734 0 0
ISHARES MSCI EMERGING MKTS ETF FUND 464287234 244 4,988 SH   DFND   4,950 0 38
ISHARES MSCI EAFE ETF FUND 464287465 1,502 19,090 SH   DFND   18,795 0 295
ISHARES RUSSELL M/C GROWTH ETF FUND 464287481 9,057 78,603 SH   DFND   75,622 0 2,981
ISHARES RUSSELL 1000 VALUE ETF FUND 464287598 31,569 187,990 SH   DFND   182,615 0 5,375
ISHARES RUSSELL 1000 GROWTH ET FUND 464287614 6,182 20,228 SH   DFND   19,703 0 525
ISHARES RUSSELL 2000 VALUE FD FUND 464287630 729 4,393 SH   DFND   3,865 0 528
ISHARES RUSSELL 2000 INDEX FD FUND 464287655 2,275 10,225 SH   DFND   10,075 0 150
ISHARES MSCI EAFE SMALL-CAP ET FUND 464288273 322 4,409 SH   SOLE   4,409 0 0
ISHARES MSCI EAFE VALUE ETF FUND 464288877 1,003 19,900 SH   SOLE   19,900 0 0
ISHARES CORE MSCI EM MKTS ETF FUND 46434G103 3,972 66,355 SH   DFND   64,480 0 1,875
ISHARES CURR HED MSCI EAFE ETF FUND 46434V803 1,164 32,956 SH   DFND   32,256 0 700
JPMORGAN CHASE& CO COM 46625H100 78,327 494,646 SH   DFND   474,887 0 19,758
JOHNSON& JOHNSON COM 478160104 37,929 221,714 SH   DFND   211,939 0 9,775
KELLOGG COMPANY COM 487836108 566 8,781 SH   DFND   8,381 0 400
KIMBERLY-CLARK CORPORATION COM 494368103 331 2,315 SH   SOLE   2,315 0 0
KOMATSU LTD SPONS ADR COM 500458401 208 8,905 SH   SOLE   8,905 0 0
KONINKLIJKE AHOLD-SP ADR COM 500467501 271 7,885 SH   SOLE   7,885 0 0
LILLY ELI& COMPANY COM 532457108 4,367 15,809 SH   DFND   12,459 0 3,350
LINCOLN NATIONAL CORP COM 534187109 54,798 802,789 SH   DFND   770,139 0 32,650
LOCKHEED MARTIN CORPORATION COM 539830109 36,920 103,879 SH   DFND   100,086 0 3,793
LOWES COMPANIES INC COM 548661107 7,559 29,243 SH   DFND   26,399 0 2,844
MANULIFE FINANCIAL CORP COM 56501R106 262 13,744 SH   SOLE   13,744 0 0
MASTERCARD INC -CLASS A COM 57636Q104 235 653 SH   SOLE   653 0 0
MCDONALDS CORP COM 580135101 4,665 17,402 SH   DFND   15,888 0 1,514
MERCK& COMPANY INC COM 58933Y105 800 10,442 SH   SOLE   10,442 0 0
METLIFE INC COM 59156R108 6,109 97,752 SH   DFND   95,617 0 2,135
MICROSOFT CORP COM 594918104 25,691 76,388 SH   DFND   72,491 0 3,897
MICROCHIP TECHNOLOGY INC COM 595017104 1,169 13,424 SH   SOLE   13,424 0 0
MICRON TECHNOLOGY INC COM 595112103 255 2,735 SH   DFND   2,560 0 175
MITSUBISHI UFJ FINL GRP - ADR COM 606822104 295 54,000 SH   SOLE   54,000 0 0
MOLSON COORS BEVERAGE COMPANY COM 60871R209 884 19,065 SH   DFND   17,740 0 1,325
MORGAN STANLEY COM 617446448 61,191 623,378 SH   DFND   592,446 0 30,932
MULLEN AUTOMATIVE INC COM 62526P109 44 11,831 SH   SOLE   11,831 0 0
NATIONAL GRID PLC-SP ADR COM 636274409 656 9,068 SH   SOLE   9,068 0 0
NIKE INC - CL B COM 654106103 617 3,701 SH   DFND   3,351 0 350
NOVARTIS AG - ADR COM 66987V109 343 3,926 SH   SOLE   3,926 0 0
NVIDIA CORP COM 67066G104 600 2,039 SH   SOLE   2,039 0 0
OMNICOM GROUP COM 681919106 41,947 572,504 SH   DFND   554,284 0 18,220
ORACLE CORP COM 68389X105 4,503 51,637 SH   DFND   50,570 0 1,067
ORANGE - SPON ADR COM 684060106 132 12,540 SH   SOLE   12,540 0 0
ORIX - SP ADR COM 686330101 341 3,350 SH   SOLE   3,350 0 0
PNC FINANCIAL SERVICES GROUP COM 693475105 1,743 8,690 SH   SOLE   8,690 0 0
PARKER-HANNIFIN CORP COM 701094104 230 721 SH   SOLE   721 0 0
PEMBINA PIPELINE CORP COM 706327103 795 26,207 SH   SOLE   26,207 0 0
PEPSICO INCORPORATED COM 713448108 5,014 28,867 SH   DFND   28,512 0 355
PFIZER INC COM 717081103 3,252 55,076 SH   DFND   54,426 0 650
PHILIP MORRIS INTL INC COM 718172109 31,108 327,449 SH   DFND   313,905 0 13,543
PHILLIPS 66 COM 718546104 44,580 615,232 SH   DFND   591,397 0 23,835
PROCTER AND GAMBLE COMPANY COM 742718109 2,230 13,631 SH   DFND   13,281 0 350
PRUDENTIAL FINANCIAL INC COM 744320102 316 2,920 SH   SOLE   2,920 0 0
PUBLIC SVC ENTERPRISE GRP INC COM 744573106 209 3,136 SH   SOLE   3,136 0 0
PUBLIC STORAGE COM 74460D109 483 1,290 SH   SOLE   1,290 0 0
QUALCOMM INC COM 747525103 5,748 31,433 SH   DFND   25,933 0 5,500
RALPH LAUREN CORP COM 751212101 1,882 15,834 SH   DFND   15,094 0 740
RAYTHEON TECHNOLOGIES CORP COM 75513E101 1,160 13,482 SH   DFND   5,526 0 7,956
REALTY INCOME CORP - REIT COM 756109104 208 2,908 SH   SOLE   2,908 0 0
RESMED INC COM 761152107 495 1,900 SH   SOLE   1,900 0 0
RIO TINTO PLC - ADR COM 767204100 390 5,820 SH   SOLE   5,820 0 0
SPDR S&P 500 ETF FUND 78462F103 9,149 19,262 SH   SOLE   19,262 0 0
SALESFORCE.COM INC COM 79466L302 6,161 24,242 SH   DFND   22,992 0 1,250
SANOFI-AVENTIS - ADR COM 80105N105 412 8,231 SH   SOLE   8,231 0 0
SCHNEIDER ELECTRIC SE ADR COM 80687P106 555 14,150 SH   SOLE   14,150 0 0
SCHWAB S&P 500 INDEX FUND FUND 808509855 702 9,617 SH   SOLE   9,617 0 0
CHARLES SCHWAB CORPORATION COM 808513105 632 7,518 SH   SOLE   7,518 0 0
SPDR S&P CONS STAPLES SEL ETF COM 81369Y308 579 7,504 SH   DFND   7,329 0 175
SPDR S&P ENERGY SELECT ETF COM 81369Y506 392 7,060 SH   DFND   2,460 0 4,600
SEMPRA COM 816851109 40,726 307,879 SH   DFND   297,073 0 10,806
SOUTHERN COMPANY COM 842587107 274 3,988 SH   SOLE   3,988 0 0
STARBUCKS CORP COM 855244109 1,673 14,306 SH   SOLE   14,306 0 0
SUMITOMO MITSUI - SP ADR COM 86562M209 329 48,500 SH   SOLE   48,500 0 0
TAIWAN SEMICONDUCTOR - SP ADR COM 874039100 8,239 68,479 SH   DFND   64,524 0 3,955
TARGET CORP COM 87612E106 4,925 21,278 SH   DFND   21,022 0 255
TESLA INC. COM 88160R101 1,620 1,533 SH   SOLE   1,533 0 0
3M COMPANY COM 88579Y101 29,733 167,386 SH   DFND   161,006 0 6,380
TRAVELERS COS INC COM 89417E109 51,808 331,191 SH   DFND   316,436 0 14,755
TRUIST FINANCIAL CORPORATION COM 89832Q109 43,592 744,529 SH   DFND   708,974 0 35,555
TYSON FOODS INC - CL A COM 902494103 40,866 468,856 SH   DFND   448,536 0 20,320
ULTA SALON COSMETICS& FRAGR COM 90384S303 5,200 12,612 SH   DFND   12,037 0 575
UNION PACIFIC CORPORATION COM 907818108 1,865 7,402 SH   DFND   7,287 0 115
UNITED PARCEL SERVICE - CL B COM 911312106 42,399 197,811 SH   DFND   189,739 0 8,072
UNITEDHEALTH GROUP INC COM 91324P102 5,366 10,685 SH   DFND   10,211 0 474
VF CORPORATION COM 918204108 1,038 14,173 SH   DFND   14,043 0 130
VANGUARD HEALTH CARE FUND-INV FUND 921908307 220 969 SH   SOLE   969 0 0
VANGUARD INTL GROWTH FD-ADMIR FUND 921910501 499 3,578 SH   SOLE   3,578 0 0
VANGUARD HIGH DVD YIELD ETF FUND 921946406 247 2,200 SH   DFND   0 0 2,200
VANGUARD GROWTH INDEX FUND FUND 922908660 430 2,605 SH   SOLE   2,605 0 0
VANGUARD 500 INDEX FUND-ADM FUND 922908710 758 1,722 SH   SOLE   1,722 0 0
VANGUARD GROWTH ETF FUND 922908736 513 1,599 SH   DFND   561 0 1,038
VANGUARD VALUE ETF FUND 922908744 236 1,606 SH   DFND   0 0 1,606
VERIZON COMMUNICATIONS COM 92343V104 30,916 595,000 SH   DFND   570,696 0 24,303
VISA INC - CL A COM 92826C839 8,934 41,225 SH   DFND   39,485 0 1,740
VODAFONE GROUP PLC COM 92857W308 316 21,187 SH   SOLE   21,187 0 0
WAL-MART INC. COM 931142103 366 2,530 SH   SOLE   2,530 0 0
WELLS FARGO& COMPANY COM 949746101 8,839 184,220 SH   DFND   176,120 0 8,100
WESTERN DIGITAL CORP COM 958102105 270 4,141 SH   SOLE   4,141 0 0
XILINX INC COM 983919101 1,230 5,801 SH   SOLE   5,801 0 0
YUM CHINA HLDGS INC COM 98850P109 261 5,234 SH   SOLE   5,234 0 0
ZIMMER BIOMET HOLDINGS INC COM 98956P102 444 3,495 SH   DFND   3,220 0 275
EATON CORP PLC COM G29183103 10,802 62,506 SH   DFND   60,586 0 1,920
MEDTRONIC PLC COM G5960L103 3,244 31,354 SH   DFND   29,860 0 1,494
APTIV PLC COM G6095L109 4,771 28,925 SH   DFND   27,690 0 1,235
NXP SEMICONDUCTORS NV COM N6596X109 3,345 14,686 SH   DFND   14,459 0 227