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 270 10,095 SH   SOLE   10,095 0 0
AFLAC INC COM 001055102 327 5,909 SH   SOLE   5,909 0 0
AES CORPORATION COM 00130H105 264 12,565 SH   SOLE   12,565 0 0
AT&T INC COM 00206R102 63,139 3,012,338 SH   DFND   2,909,062 0 103,275
ABBOTT LABORATORIES COM 002824100 2,023 18,617 SH   DFND   18,432 0 185
ABBVIE INC COM 00287Y109 64,686 422,339 SH   DFND   403,880 0 18,459
ADOBE INC. COM 00724F101 6,242 17,053 SH   DFND   16,393 0 660
ADVANCED MICRO DEVICES INC COM 007903107 812 10,618 SH   SOLE   10,618 0 0
AGENT INFORMATION SOFTWARE I COM 00847D108 46 28,000 SH   SOLE   28,000 0 0
AIR PRODUCTS& CHEMICALS INC COM 009158106 1,956 8,135 SH   DFND   8,043 0 92
ALPHABET CLASS C COM 02079K107 6,652 3,041 SH   DFND   2,967 0 74
ALPHABET CLASS A COM 02079K305 5,097 2,339 SH   DFND   2,249 0 90
ALTRIA GROUP INC COM 02209S103 38,843 929,935 SH   DFND   898,955 0 30,980
AMAZON.COM INC COM 023135106 5,658 53,274 SH   DFND   51,414 0 1,860
AMERICAN EXPRESS CO COM 025816109 2,463 17,770 SH   DFND   17,543 0 227
AMGEN INC COM 031162100 10,208 41,957 SH   DFND   41,917 0 40
ANNALY CAPITAL MANAGEMENT INC COM 035710409 436 73,818 SH   SOLE   73,818 0 0
APPLE INC COM 037833100 25,145 183,919 SH   DFND   181,342 0 2,577
APPLIED MATERIALS INC COM 038222105 1,357 14,917 SH   SOLE   14,917 0 0
ARES CAPITAL CORP COM 04010L103 733 40,857 SH   SOLE   40,857 0 0
ASTRAZENECA PLC - ADR COM 046353108 6,696 101,340 SH   DFND   96,367 0 4,973
AXA - SP ADR COM 054536107 271 11,895 SH   SOLE   11,895 0 0
BAE SYSTEMS PLC - SP ADR COM 05523R107 446 10,980 SH   SOLE   10,980 0 0
BP PLC - ADR COM 055622104 553 19,495 SH   SOLE   19,495 0 0
BNP PARIBAS-ADR COM 05565A202 227 9,460 SH   SOLE   9,460 0 0
BANK OF AMERICA CORP COM 060505104 40,822 1,311,334 SH   DFND   1,250,469 0 60,865
BARCLAYS PLC - ADR COM 06738E204 320 42,090 SH   SOLE   42,090 0 0
BERKSHIRE HATHAWAY INC - CL B COM 084670702 778 2,850 SH   SOLE   2,850 0 0
BHP BILLITON LTD - SP ADR COM 088606108 1,555 27,673 SH   DFND   26,578 0 1,095
BLACKROCK INC COM 09247X101 42,437 69,678 SH   DFND   66,731 0 2,947
BLACKSTONE GROUP INC. COM 09260D107 244 2,673 SH   SOLE   2,673 0 0
BOEING COMPANY COM 097023105 524 3,833 SH   SOLE   3,833 0 0
BORGWARNER INC COM 099724106 1,804 54,063 SH   DFND   52,585 0 1,478
BRISTOL-MYERS SQUIBB CO COM 110122108 74,314 965,120 SH   DFND   930,450 0 34,669
BRITISH AMERN TOBACCO PLC ADR COM 110448107 696 16,208 SH   SOLE   16,208 0 0
BROADCOM INC COM 11135F101 54,749 112,696 SH   DFND   107,857 0 4,839
CK HUTCHISON HOLDIN-UNSP ADR COM 12562Y100 363 54,125 SH   SOLE   54,125 0 0
CVS HEALTH CORPORATION COM 126650100 58,507 631,412 SH   DFND   608,077 0 23,335
COTERRA ENERGY COM 127097103 3,353 129,995 SH   DFND   120,840 0 9,155
CAPITAL WORLD GROWTH& INC-A FUND 140543109 204 4,100 SH   SOLE   4,100 0 0
CAPITAL WRLD GRTH& INC-F2 FUND 140543828 210 4,236 SH   SOLE   4,236 0 0
CATERPILLAR INC COM 149123101 1,125 6,295 SH   SOLE   6,295 0 0
CHARTER COMMUNICATIONS INC-A COM 16119P108 277 591 SH   SOLE   591 0 0
CHEVRON CORP COM 166764100 50,880 351,432 SH   DFND   335,017 0 16,415
CISCO SYSTEMS INC COM 17275R102 63,874 1,497,975 SH   DFND   1,442,319 0 55,655
COCA-COLA COMPANY COM 191216100 257 4,079 SH   SOLE   4,079 0 0
COMCAST CORP - CL A COM 20030N101 29,384 748,815 SH   DFND   722,370 0 26,445
CONSTELLATION BRANDS INC-A COM 21036P108 4,556 19,547 SH   DFND   18,612 0 935
CORNING INC COM 219350105 33,315 1,057,289 SH   DFND   1,017,829 0 39,460
COSTCO WHOLESALE CORP COM 22160K105 1,608 3,354 SH   SOLE   3,354 0 0
DFA EMERGING MKTS CORE EQUITY FUND 233203421 4,728 224,618 SH   DFND   221,635 0 2,983
DFA US TARGETED VALUE PORT FUND 233203595 4,310 164,935 SH   DFND   160,060 0 4,875
DFA SMALL CAP VALUE FUND FUND 233203819 5,130 135,775 SH   DFND   135,182 0 593
DFA US LARGE CAP VALUE FUND FUND 233203827 5,776 144,663 SH   SOLE   144,663 0 0
DFA INTL L/C GROWTH PORT FUND 23320G265 5,038 380,213 SH   DFND   375,321 0 4,892
DFA INTL VALUE FUND FUND 25434D203 12,449 734,891 SH   DFND   719,559 0 15,331
DIMENSIONAL EMERGING CORE EQ FUND 25434V302 267 11,530 SH   SOLE   11,530 0 0
DISNEY WALT CO COM 254687106 4,734 50,151 SH   DFND   47,401 0 2,750
DOMINION ENERGY INC COM 25746U109 2,677 33,537 SH   DFND   31,834 0 1,703
DOW INC COM 260557103 21,119 409,201 SH   DFND   393,336 0 15,865
DUKE ENERGY CORP COM 26441C204 246 2,297 SH   SOLE   2,297 0 0
DUPONT DE NEMOURS INC COM 26614N102 4,609 82,922 SH   DFND   79,366 0 3,556
EASTMAN CHEMICAL COMPANY COM 277432100 1,279 14,250 SH   DFND   14,073 0 177
EMERSON ELECTRIC COMPANY COM 291011104 4,732 59,486 SH   DFND   57,016 0 2,470
ENBRIDGE INC COM 29250N105 32,754 775,049 SH   DFND   741,579 0 33,470
ENTERPRISE PRODUCTS PTRS LP COM 293792107 246 10,112 SH   SOLE   10,112 0 0
ERICSSON COM 294821608 305 41,210 SH   SOLE   41,210 0 0
EVERGY INC COM 30034W106 21,162 324,315 SH   DFND   309,795 0 14,520
EXELON CORPORATION COM 30161N101 392 8,650 SH   SOLE   8,650 0 0
EXPEDIA GROUP INC. COM 30212P303 2,574 27,147 SH   DFND   25,952 0 1,195
EXXON MOBIL CORP COM 30231G102 8,534 99,650 SH   DFND   94,205 0 5,445
META PLATFORMS INC COM 30303M102 5,043 31,275 SH   DFND   29,665 0 1,610
FIDELITY 500 INDEX-INST PRM FUND 315911750 373 2,828 SH   SOLE   2,828 0 0
GENERAL ELECTRIC CO COM 369604301 289 4,543 SH   DFND   4,543 0 0
GENERAL MILLS INCORPORATED COM 370334104 3,204 42,464 SH   DFND   42,119 0 345
GENUINE PARTS CO COM 372460105 30,811 231,662 SH   DFND   220,892 0 10,770
GILEAD SCIENCES INC COM 375558103 33,392 540,242 SH   DFND   527,507 0 12,735
HOME DEPOT INC COM 437076102 29,096 106,085 SH   DFND   101,613 0 4,472
HONDA MOTOR CO LTD - SP ADR COM 438128308 320 13,255 SH   SOLE   13,255 0 0
HONEYWELL INTERNATIONAL INC COM 438516106 6,674 38,398 SH   DFND   37,058 0 1,340
IMPERIAL BRANDS PLC-SPON ADR COM 45262P102 247 10,980 SH   SOLE   10,980 0 0
INTEL CORPORATION COM 458140100 2,856 76,343 SH   DFND   76,248 0 95
INTERNATIONAL BUSINESS MACHINE COM 459200101 45,763 324,122 SH   DFND   310,322 0 13,800
INT'L FLAVORS& FRAGRANCES COM 459506101 31,248 262,320 SH   DFND   251,580 0 10,740
INVESCO QQQ TR FUND 46090E103 1,441 5,140 SH   SOLE   5,140 0 0
ISHARES MSCI EAFE ETF FUND 464287465 2,564 41,025 SH   DFND   40,270 0 755
ISHARES RUSSELL M/C GROWTH ETF FUND 464287481 4,915 62,038 SH   DFND   59,057 0 2,981
ISHARES RUSSELL 1000 VALUE ETF FUND 464287598 823 5,675 SH   DFND   3,875 0 1,800
ISHARES RUSSELL 1000 GROWTH ET FUND 464287614 3,968 18,145 SH   DFND   17,620 0 525
ISHARES RUSSELL 2000 VALUE FD FUND 464287630 607 4,460 SH   DFND   3,932 0 528
ISHARES RUSSELL 2000 INDEX FD FUND 464287655 2,422 14,301 SH   DFND   14,151 0 150
ISHARES MSCI EAFE SMALL-CAP ET FUND 464288273 218 4,000 SH   SOLE   4,000 0 0
ISHARES MSCI EAFE VALUE ETF FUND 464288877 308 7,100 SH   SOLE   7,100 0 0
ISHARES CORE MSCI EM MKTS ETF FUND 46434G103 3,416 69,632 SH   DFND   67,757 0 1,875
JPMORGAN CHASE& CO COM 46625H100 50,010 444,097 SH   DFND   426,003 0 18,093
JOHNSON& JOHNSON COM 478160104 37,649 212,095 SH   DFND   202,487 0 9,608
KKR& CO INC CL A COM 48251W104 208 4,500 SH   SOLE   4,500 0 0
KELLOGG COMPANY COM 487836108 370 5,181 SH   DFND   4,781 0 400
KOMATSU LTD SPONS ADR COM 500458401 205 9,275 SH   SOLE   9,275 0 0
KONINKLIJKE AHOLD-SP ADR COM 500467501 205 7,835 SH   SOLE   7,835 0 0
LILLY ELI& COMPANY COM 532457108 5,076 15,655 SH   DFND   12,305 0 3,350
LINCOLN NATIONAL CORP COM 534187109 37,862 809,527 SH   DFND   776,527 0 33,000
LOCKHEED MARTIN CORPORATION COM 539830109 45,108 104,912 SH   DFND   101,164 0 3,748
LOWES COMPANIES INC COM 548661107 4,771 27,312 SH   DFND   24,468 0 2,844
M& T BANK CORP COM 55261F104 1,737 10,895 SH   DFND   10,335 0 560
MAGELLAN MIDSTREAM PARTNERS LP COM 559080106 303 6,347 SH   SOLE   6,347 0 0
MANULIFE FINANCIAL CORP COM 56501R106 237 13,669 SH   SOLE   13,669 0 0
MCDONALDS CORP COM 580135101 4,104 16,623 SH   DFND   15,109 0 1,514
MERCK& COMPANY INC COM 58933Y105 841 9,225 SH   SOLE   9,225 0 0
METLIFE INC COM 59156R108 5,872 93,522 SH   DFND   91,387 0 2,135
MICROSOFT CORP COM 594918104 17,144 66,751 SH   DFND   63,169 0 3,582
MICROCHIP TECHNOLOGY INC COM 595017104 635 10,932 SH   SOLE   10,932 0 0
MITSUBISHI UFJ FINL GRP - ADR COM 606822104 300 56,200 SH   SOLE   56,200 0 0
MOLSON COORS BEVERAGE COMPANY COM 60871R209 1,452 26,640 SH   DFND   25,045 0 1,595
MORGAN STANLEY COM 617446448 6,732 88,510 SH   DFND   72,033 0 16,477
MULLEN AUTOMATIVE INC COM 62526P109 12 11,831 SH   SOLE   11,831 0 0
NATIONAL GRID PLC-SP ADR COM 636274409 316 4,885 SH   SOLE   4,885 0 0
NIKE INC - CL B COM 654106103 346 3,384 SH   DFND   3,034 0 350
NOVARTIS AG - ADR COM 66987V109 351 4,155 SH   SOLE   4,155 0 0
NVIDIA CORP COM 67066G104 3,992 26,331 SH   DFND   24,986 0 1,345
OMNICOM GROUP COM 681919106 37,645 591,805 SH   DFND   572,965 0 18,840
ORACLE CORP COM 68389X105 3,481 49,814 SH   DFND   48,747 0 1,067
ORANGE - SPON ADR COM 684060106 167 14,215 SH   SOLE   14,215 0 0
ORIX - SP ADR COM 686330101 280 3,330 SH   SOLE   3,330 0 0
PNC FINANCIAL SERVICES GROUP COM 693475105 1,269 8,040 SH   SOLE   8,040 0 0
PARKER-HANNIFIN CORP COM 701094104 1,540 6,257 SH   DFND   5,892 0 365
PEMBINA PIPELINE CORP COM 706327103 800 22,637 SH   SOLE   22,637 0 0
PEPSICO INCORPORATED COM 713448108 4,592 27,551 SH   DFND   27,196 0 355
PFIZER INC COM 717081103 4,797 91,487 SH   DFND   88,632 0 2,855
PHILIP MORRIS INTL INC COM 718172109 31,762 321,673 SH   DFND   308,370 0 13,303
PHILLIPS 66 COM 718546104 40,126 489,403 SH   DFND   466,743 0 22,660
PROCTER AND GAMBLE COMPANY COM 742718109 1,875 13,042 SH   DFND   12,742 0 300
PRUDENTIAL FINANCIAL INC COM 744320102 208 2,170 SH   SOLE   2,170 0 0
PUBLIC STORAGE COM 74460D109 403 1,290 SH   SOLE   1,290 0 0
QS ENERGY INC COM 74736R106 0 16,600 SH   SOLE   16,600 0 0
QUALCOMM INC COM 747525103 3,489 27,315 SH   DFND   24,815 0 2,500
RAYTHEON TECHNOLOGIES CORP COM 75513E101 1,205 12,537 SH   DFND   4,581 0 7,956
RESMED INC COM 761152107 398 1,900 SH   SOLE   1,900 0 0
RIO TINTO PLC - ADR COM 767204100 369 6,055 SH   SOLE   6,055 0 0
SPDR S&P 500 ETF FUND 78462F103 4,425 11,728 SH   SOLE   11,728 0 0
SALESFORCE.COM INC COM 79466L302 4,206 25,482 SH   DFND   24,202 0 1,280
SANOFI-AVENTIS - ADR COM 80105N105 410 8,191 SH   SOLE   8,191 0 0
SCHNEIDER ELECTRIC SE ADR COM 80687P106 331 14,025 SH   SOLE   14,025 0 0
SCHWAB S&P 500 INDEX FUND FUND 808509855 550 9,415 SH   SOLE   9,415 0 0
CHARLES SCHWAB CORPORATION COM 808513105 475 7,518 SH   SOLE   7,518 0 0
SPDR S&P CONS STAPLES SEL ETF COM 81369Y308 515 7,134 SH   DFND   6,959 0 175
SPDR S&P ENERGY SELECT ETF COM 81369Y506 386 5,400 SH   DFND   800 0 4,600
SEMPRA COM 816851109 46,492 309,388 SH   DFND   298,792 0 10,596
SMARTCOOL SYSTEMS INC COM 83171N108 0 10,000 SH   SOLE   10,000 0 0
SOUTHERN COMPANY COM 842587107 284 3,988 SH   SOLE   3,988 0 0
STARBUCKS CORP COM 855244109 1,102 14,421 SH   SOLE   14,421 0 0
SUMITOMO MITSUI - SP ADR COM 86562M209 284 48,100 SH   SOLE   48,100 0 0
TAIWAN SEMICONDUCTOR - SP ADR COM 874039100 4,971 60,812 SH   DFND   60,157 0 655
TARGET CORP COM 87612E106 3,086 21,851 SH   DFND   21,592 0 258
TESLA INC. COM 88160R101 1,032 1,533 SH   SOLE   1,533 0 0
3M COMPANY COM 88579Y101 1,578 12,195 SH   DFND   11,680 0 515
TRAVELERS COS INC COM 89417E109 55,131 325,969 SH   DFND   311,224 0 14,745
TRUIST FINANCIAL CORPORATION COM 89832Q109 33,088 697,628 SH   DFND   664,513 0 33,115
TYSON FOODS INC - CL A COM 902494103 39,809 462,572 SH   DFND   442,422 0 20,150
ULTA SALON COSMETICS& FRAGR COM 90384S303 4,881 12,661 SH   DFND   12,086 0 575
UNION PACIFIC CORPORATION COM 907818108 1,614 7,567 SH   DFND   7,452 0 115
UNITED PARCEL SERVICE - CL B COM 911312106 45,926 251,593 SH   DFND   241,566 0 10,027
UNITEDHEALTH GROUP INC COM 91324P102 9,116 17,747 SH   DFND   17,023 0 724
VANGUARD HEALTH CARE FUND-INV FUND 921908307 202 1,004 SH   SOLE   1,004 0 0
VANGUARD HIGH DVD YIELD ETF FUND 921946406 305 3,000 SH   DFND   800 0 2,200
VANGUARD GROWTH INDEX FUND FUND 922908660 266 2,320 SH   SOLE   2,320 0 0
VANGUARD 500 INDEX FUND-ADM FUND 922908710 548 1,567 SH   SOLE   1,567 0 0
VANGUARD GROWTH ETF FUND 922908736 388 1,743 SH   DFND   705 0 1,038
VANGUARD VALUE ETF FUND 922908744 274 2,074 SH   DFND   468 0 1,606
VERIZON COMMUNICATIONS COM 92343V104 3,517 69,300 SH   DFND   69,012 0 288
VISA INC - CL A COM 92826C839 5,640 28,645 SH   DFND   27,550 0 1,095
VODAFONE GROUP PLC COM 92857W308 801 51,427 SH   SOLE   51,427 0 0
VONTIER CORPORATION COM 928881101 843 36,650 SH   DFND   34,360 0 2,290
WARNER BROS DISCOVERY INC COM 934423104 694 51,731 SH   DFND   49,035 0 2,696
WASATCH MICRO-CAP FUND FUND 936772508 91 15,251 SH   SOLE   15,251 0 0
WELLS FARGO& COMPANY COM 949746101 1,909 48,745 SH   DFND   47,220 0 1,525
WESTERN DIGITAL CORP COM 958102105 1,149 25,641 SH   DFND   23,991 0 1,650
WILLIAMS COS INC COM 969457100 534 17,095 SH   SOLE   17,095 0 0
WOODSIDE PETROLEUM-SP ADR COM 980228308 215 9,977 SH   DFND   9,583 0 394
YUM CHINA HLDGS INC COM 98850P109 475 9,795 SH   SOLE   9,795 0 0
CAPRI HOLDINGS LTD COM G1890L107 860 20,960 SH   DFND   19,775 0 1,185
EATON CORP PLC COM G29183103 6,554 52,017 SH   DFND   50,572 0 1,445
MEDTRONIC PLC COM G5960L103 42,135 469,475 SH   DFND   451,921 0 17,554
APTIV PLC COM G6095L109 2,421 27,185 SH   DFND   25,950 0 1,235
RENAISSANCERE HOLDINGS LTD COM G7496G103 1,936 12,379 SH   DFND   11,769 0 610
NXP SEMICONDUCTORS NV COM N6596X109 1,657 11,196 SH   DFND   10,975 0 221