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
AT&T INC COM 00206R102 10,624 350,970 SH   DFND   22,194 0 328,775
ABBOTT LABORATORIES COM 002824100 12,055 100,589 SH   DFND   1,835 0 98,754
ABBVIE INC COM 00287Y109 1,833 16,937 SH   DFND   150 0 16,787
ADOBE INC. COM 00724F101 685 1,440 SH   DFND   0 0 1,440
AGILENT TECHNOLOGIES INC COM 00846U101 228 1,797 SH   DFND   0 0 1,797
AIR PRODUCTS& CHEMICALS INC COM 009158106 263 936 SH   DFND   0 0 936
ALPHABET CLASS C COM 02079K107 2,019 976 SH   DFND   20 0 956
ALPHABET CLASS A COM 02079K305 24,851 12,049 SH   DFND   538 0 11,511
AMAZON.COM COM 023135106 492 159 SH   DFND   20 0 139
AMERICAN EXPRESS CO COM 025816109 487 3,442 SH   DFND   0 0 3,442
AMERICAN WATER WORKS CO COM 030420103 17,737 118,310 SH   DFND   2,250 0 116,060
AMGEN INC COM 031162100 465 1,868 SH   DFND   175 0 1,693
APPLE INC COM 037833100 32,517 266,205 SH   DFND   10,260 0 255,944
AUTOMATIC DATA PROCESSING INC COM 053015103 835 4,431 SH   DFND   2,150 0 2,281
BANK OF AMERICA CORP COM 060505104 758 19,591 SH   DFND   3,155 0 16,436
BARRICK GOLD CORP COM 067901108 324 16,360 SH   DFND   0 0 16,360
BARON SMALL CAP FUND INSTITUTIONAL CLA 068278803 2,346 58,627 SH   DFND   0 0 58,627
BECTON DICKINSON& CO COM 075887109 265 1,090 SH   DFND   0 0 1,090
BERKSHIRE HATHAWAY INC CLASS B COM 084670702 2,608 10,210 SH   DFND   475 0 9,735
BIO RAD LABS INC COM 090572207 240 420 SH   DFND   0 0 420
BLACKROCK INC COM 09247X101 347 460 SH   DFND   0 0 460
BRISTOL-MYERS SQUIBB CO COM 110122108 287 4,545 SH   DFND   200 0 4,345
CSX CORPORATION COM 126408103 6,100 63,270 SH   DFND   1,400 0 61,870
CVS HEALTH CORPORATION COM 126650100 6,230 82,809 SH   DFND   2,625 0 80,184
CALIFORNIA WTR SVC GRP CA COM 130788102 237 4,200 SH   DFND   0 0 4,200
CARRIER GLOBAL CORPORATION COM 14448C104 562 13,305 SH   DFND   395 0 12,910
CHEVRON CORP COM 166764100 13,526 129,074 SH   DFND   5,696 0 123,378
CISCO SYSTEMS INC COM 17275R102 918 17,748 SH   DFND   0 0 17,748
CITIGROUP INC COM 172967424 5,564 76,477 SH   DFND   2,363 0 74,114
COCA-COLA COMPANY COM 191216100 1,493 28,324 SH   DFND   350 0 27,974
COGNIZANT TECH SOL CL A COM 192446102 331 4,240 SH   DFND   3,200 0 1,040
COLGATE-PALMOLIVE CO. COM 194162103 594 7,529 SH   DFND   3,300 0 4,229
COMCAST CORP CL A (NEW) COM 20030N101 926 17,119 SH   DFND   0 0 17,119
CONOCOPHILLIPS COM 20825C104 2,553 48,189 SH   DFND   2,625 0 45,564
CONSTELLATION BRANDS INC CL A COM 21036P108 8,425 36,953 SH   DFND   1,332 0 35,621
COSTCO WHSL CORP (NEW) COM 22160K105 3,902 11,070 SH   DFND   984 0 10,086
CROWN CASTLE INTERNATIONAL COM 22822V101 18,234 105,931 SH   DFND   2,642 0 103,289
DANAHER CORP COM 235851102 1,279 5,681 SH   DFND   0 0 5,681
DEERE& CO COM 244199105 1,528 4,083 SH   DFND   0 0 4,083
DISNEY CO. (WALT) COM 254687106 24,350 131,966 SH   DFND   8,160 0 123,806
DISCOVER FINL SVCS COM 254709108 9,207 96,922 SH   DFND   2,060 0 94,862
DOW INC COM 260557103 359 5,609 SH   DFND   170 0 5,439
DUKE ENERGY CORP COM 26441C204 803 8,321 SH   DFND   1,046 0 7,275
EOG RESOURCES INC COM 26875P101 1,677 23,125 SH   DFND   390 0 22,735
ETFMG PRIME CYBER SECURITY ETF COM 26924G201 16,576 301,933 SH   DFND   13,490 0 288,443
EATON VANCE DIV BUILDER I FUND 277905634 1,499 84,136 SH   DFND   0 0 84,136
ECOLAB INC COM 278865100 1,753 8,190 SH   DFND   145 0 8,045
EMERSON ELECTRIC COMPANY COM 291011104 1,207 13,375 SH   DFND   0 0 13,375
ENBRIDGE INC COM 29250N105 376 10,340 SH   DFND   125 0 10,215
ENTERPRISE PRD PRTNRS LP COM 293792107 534 24,242 SH   DFND   0 0 24,242
EVERSOURCE ENERGY COM 30040W108 1,060 12,245 SH   DFND   0 0 12,245
EXXON MOBIL CORP COM 30231G102 2,351 42,106 SH   DFND   7,330 0 34,776
FACEBOOK, INC COM 30303M102 215 731 SH   DFND   400 0 331
FEDERATED KAUFMANN SMALL CAP INSTITUTIONAL SHA 31421N402 217 3,343 SH   DFND   0 0 3,343
FORTIVE CORP COMMON SHARE COM 34959J108 217 3,070 SH   DFND   0 0 3,070
GENUINE PARTS CO COM 372460105 413 3,570 SH   DFND   1,850 0 1,720
GLOBAL PAYMENTS INC COM 37940X102 413 2,049 SH   DFND   742 0 1,307
GLOBE LIFE INC COM 37959E102 290 3,004 SH   DFND   0 0 3,004
AMERICAN GROWTH FUND F-3 FUND 399874775 7,842 113,221 SH   DFND   0 0 113,221
HEALTHPEAK PPTYS INC. COM 42250P103 230 7,251 SH   DFND   0 0 7,251
HOME DEPOT INC COM 437076102 6,484 21,240 SH   DFND   1,023 0 20,217
HONEYWELL INTERNATIONAL INC COM 438516106 937 4,318 SH   DFND   1,730 0 2,588
INTEL CORPORATION COM 458140100 1,530 23,899 SH   DFND   2,801 0 21,098
INTERNATIONAL BUSINESS MACHINE COM 459200101 557 4,177 SH   DFND   100 0 4,077
INVESCO CLEAN ENERGY ETF COM 46137V134 950 9,657 SH   DFND   246 0 9,411
INVESCO WATER RESOURCES ETF COM 46137V142 1,372 27,765 SH   DFND   0 0 27,765
INVESCO DYNAMIC PHARMACEUTICAL COM 46137V662 718 9,100 SH   DFND   0 0 9,100
ISHARES TR DJ SEL DVI INX COM 464287168 225 1,969 SH   DFND   0 0 1,969
ISHARES TR S&P 500 INDEX FUND COM 464287200 1,031 2,592 SH   DFND   0 0 2,592
ISHARES TR MSCI EAFE FUND ETF COM 464287465 1,399 18,435 SH   DFND   0 0 18,435
ISHARES RUSELL MIDCAPE VALUE COM 464287473 933 8,536 SH   DFND   0 0 8,536
ISHARES RUSSELL MID CAP GROWTH COM 464287481 910 8,912 SH   DFND   0 0 8,912
ISHARES RUSSELL MIDCAP INDEX COM 464287499 1,597 21,595 SH   DFND   0 0 21,595
ISHARES TR NASDAQ BIO FD NASDAQ BIOTECH IN 464287556 1,405 9,335 SH   DFND   120 0 9,215
ISHARES TR RUSSELL 2000 COM 464287655 813 3,680 SH   DFND   0 0 3,680
ISHARES DJ US REGIONAL BANKS COM 464288778 2,308 40,719 SH   DFND   3,400 0 37,319
ISHARES US MEDICAL DEVICES ETF COM 464288810 12,816 38,793 SH   DFND   555 0 38,238
ISHARES TR USA MIN VOL ID COM 46429B697 204 2,944 SH   DFND   0 0 2,944
ISHARES MSCI USA QUALITYFACTOR COM 46432F339 209 1,714 SH   DFND   0 0 1,714
JPMORGAN CHASE& CO COM 46625H100 25,055 164,586 SH   DFND   5,535 0 159,051
JACOBS ENGINEERING GROUP INC COM 469814107 14,105 109,115 SH   DFND   4,180 0 104,935
JOHNSON& JOHNSON COM 478160104 6,079 36,989 SH   DFND   710 0 36,279
JPMORGAN INCOME BUILDER FUND CLASS I SHARES 4812A3254 2,377 210,199 SH   DFND   0 0 210,199
KIMBERLY CLARK COM 494368103 827 5,948 SH   DFND   2,295 0 3,653
KINDER MORGAN INC COM 49456B101 6,150 369,345 SH   DFND   11,300 0 358,045
KIRKLAND LAKE GOLD LTD COM 49741E100 4,227 125,053 SH   DFND   5,323 0 119,730
ELI LILLY& COMPANY COM 532457108 470 2,518 SH   DFND   0 0 2,518
LOCKHEED MARTIN CORP COM 539830109 4,201 11,370 SH   DFND   324 0 11,046
LOWES CO INC COM 548661107 20,082 105,592 SH   DFND   3,469 0 102,122
MFS VALUE FUND CL I FUND 552983694 5,888 120,590 SH   DFND   0 0 120,590
MASTERCARD INC COM 57636Q104 298 836 SH   DFND   0 0 836
MATTHEWS ASIA DIVIDEND FUND FUND 577125107 2,010 90,986 SH   DFND   0 0 90,986
MATTHEWS PACIFIC TIGER FUND FUND 577130107 380 10,721 SH   DFND   0 0 10,721
MCDONALDS CORP COM 580135101 1,555 6,937 SH   DFND   2,969 0 3,968
MERCK& CO. INC. COM 58933Y105 13,666 177,279 SH   DFND   8,247 0 169,032
METLIFE INC COM 59156R108 11,894 195,654 SH   DFND   6,745 0 188,909
MICROSOFT CORP COM 594918104 34,313 145,537 SH   DFND   3,831 0 141,705
MID AMERICA APARTMENT COM. COM 59522J103 9,051 62,695 SH   DFND   3,410 0 59,285
MONDELEZ INTERNATIONAL INC COM 609207105 2,722 46,503 SH   DFND   2,710 0 43,793
MOODY'S CORP COM 615369105 411 1,376 SH   DFND   0 0 1,376
NATIONAL RETAIL PROPERTIES INC COM 637417106 241 5,475 SH   DFND   50 0 5,425
NESTLE SA SPNSRD ADR REP RG SH COM 641069406 447 4,008 SH   DFND   2,000 0 2,008
AMERICAN NEW PERSPECTIVE FD F3 FUND 648018778 4,399 71,130 SH   DFND   0 0 71,130
NEWMONT CORPORATION COM 651639106 702 11,640 SH   DFND   0 0 11,640
NEXTERA ENERGY INC COM 65339F101 1,734 22,928 SH   DFND   1,200 0 21,728
NIKE INC CL B COM 654106103 208 1,563 SH   DFND   0 0 1,563
NORFOLK SOUTHERN CORP COM 655844108 390 1,453 SH   DFND   0 0 1,453
NOVO-NORDISK A-S ADR F 1 ADR REP 1 ORD 670100205 443 6,570 SH   DFND   6,000 0 570
ORACLE CORP COM 68389X105 1,464 20,860 SH   DFND   500 0 20,360
OTIS WORLDWIDE CORP COM 68902V107 1,727 25,225 SH   DFND   4,014 0 21,211
PAYPAL HLDGS INC COM 70450Y103 227 935 SH   DFND   0 0 935
PEPSICO INCORPORATED COM 713448108 17,230 121,811 SH   DFND   4,815 0 116,996
PFIZER INC COM 717081103 12,400 342,249 SH   DFND   17,086 0 325,163
PRICE T ROWE GROWTH STOCK FD FUND 741479109 505 5,081 SH   SOLE   5,081 0 0
PRICE T ROWE HIGH YIELD FUND FUND 741481105 100 15,105 SH   DFND   0 0 15,105
PROCTER AND GAMBLE COMPANY COM 742718109 16,727 123,510 SH   DFND   5,358 0 118,152
PROSHARES ULTRA S&P500 COM 74347R107 670 6,550 SH   DFND   0 0 6,550
PRUDENTIAL FINANCIAL INC COM 744320102 414 4,540 SH   DFND   0 0 4,540
QUALCOMM INC. COM 747525103 22,378 168,774 SH   DFND   5,238 0 163,536
RAYTHEON TECHNOLOGIES CORP COM 75513E101 14,168 183,361 SH   DFND   8,870 0 174,491
ROPER INDUSTRIES INC NEW COM 776696106 5,019 12,444 SH   DFND   347 0 12,097
T. ROWE PRICE NEW HORIZONS FD FUND 779562107 244 3,019 SH   SOLE   3,019 0 0
S&P 500 DEPOSITARY RECEIPTS COM 78462F103 1,242 3,133 SH   DFND   1,380 0 1,753
SPDR SERIES TRUST S&P BIOTECH COM 78464A870 12,775 94,176 SH   DFND   4,130 0 90,046
SPDR SER TR S&P OILGAS EXP COM 78468R556 387 4,760 SH   DFND   0 0 4,760
SCHLUMBERGER LIMITED COM 806857108 580 21,324 SH   DFND   1,405 0 19,919
SCHWAB S&P 500 INDEX FUN D - SELECT SHARES 808509855 493 8,086 SH   DFND   670 0 7,416
SCHWAB CHARLES CORP COM 808513105 394 6,047 SH   DFND   4,548 0 1,499
SCHWAB 1000 FUND FUND 808517106 371 4,207 SH   DFND   860 0 3,346
SCHWAB US LARGE CAP COM 808524201 481 5,013 SH   DFND   20 0 4,993
SECT SPDR HEALTH CARE SELECT COM 81369Y209 653 5,597 SH   DFND   500 0 5,097
SECT SPDR ENERGY SELECT COM 81369Y506 745 15,175 SH   DFND   125 0 15,050
SPDR AMEX TECH SELECT INDEX COM 81369Y803 372 2,800 SH   DFND   300 0 2,500
SECT SPDR THE UTILITES SEL FD COM 81369Y886 762 11,893 SH   DFND   4,468 0 7,425
SEMPRA ENERGY COM 816851109 317 2,388 SH   DFND   0 0 2,388
SIRIUS XM HOLDINGS INC. COM 82968B103 70 11,500 SH   DFND   4,000 0 7,500
STARBUCKS CORP COM 855244109 761 6,967 SH   DFND   0 0 6,967
STARWOOD PROPERTY TRUST, INC. COM 85571B105 339 13,688 SH   DFND   1,110 0 12,578
STRYKER CORP COM 863667101 441 1,809 SH   DFND   1,500 0 309
SYSCO CORP COM 871829107 215 2,730 SH   DFND   2,700 0 30
TJX COMPANIES, INC COM 872540109 229 3,460 SH   DFND   0 0 3,460
TARGET CORP COM 87612E106 288 1,455 SH   DFND   276 0 1,179
TEXAS INSTRUMENTS INCORPORATED COM 882508104 273 1,444 SH   DFND   0 0 1,444
THERMO FISHER SCIENTIFIC INC COM 883556102 20,574 45,081 SH   DFND   479 0 44,602
3M CO COM 88579Y101 1,165 6,046 SH   DFND   1,515 0 4,531
TRAVELERS COS INC/THE COM 89417E109 1,670 11,102 SH   DFND   0 0 11,102
U.S. BANCORP COM 902973304 13,424 242,708 SH   DFND   11,224 0 231,484
UNION PACIFIC CORPORATION COM 907818108 1,029 4,668 SH   DFND   280 0 4,388
UNITED PARCEL SERVICE -CL B COM 911312106 5,572 32,779 SH   DFND   1,195 0 31,584
UNITED HEALTH GROUP INC. COM 91324P102 15,938 42,837 SH   DFND   2,277 0 40,560
UNIVERSAL DISPLAY CORP COM 91347P105 430 1,815 SH   DFND   400 0 1,415
VANECK CM COMMODITY INDEX A FUND 921075313 99 19,381 SH   DFND   0 0 19,381
VANGUARD DIVIDEND APPRECIATION ETF 921908844 234 1,593 SH   DFND   0 0 1,593
VANGUARD INTERNATIONAL GROWTH FUND 921910204 339 6,806 SH   DFND   4,410 0 2,396
VANGUARD FTSE ALL WORLD ex US ETF 922042775 1,321 21,770 SH   DFND   0 0 21,770
VANGUARD INFORMATION TECH ETF COM 92204A702 3,774 10,527 SH   DFND   0 0 10,527
VANGUARD INDEX FUNDS 500 INDEX ADMI 922908710 978 2,667 SH   DFND   1,782 0 885
VANGUARD TOTAL STOCK MKT COM 922908769 1,011 4,889 SH   DFND   210 0 4,679
VERIZON COMMUNICATIONS COM 92343V104 2,082 35,801 SH   DFND   2,353 0 33,448
VISA INC-CLASS A SHRS COM 92826C839 21,014 99,251 SH   DFND   2,715 0 96,536
WEC ENERGY GROUP INC COM 92939U106 273 2,912 SH   DFND   2,600 0 312
WAL MART INC. COM 931142103 588 4,330 SH   DFND   0 0 4,330
WALGREEN BOOTS ALLIANCE INC COM 931427108 540 9,840 SH   DFND   0 0 9,840
WASTE MANAGEMENT INC. COM 94106L109 1,750 13,566 SH   DFND   0 0 13,566
WELLS FARGO& CO (NEW) COM 949746101 448 11,456 SH   DFND   1,475 0 9,981
WEYERHAEUSER COMPANY COM 962166104 2,039 57,285 SH   DFND   3,295 0 53,990
WHEATON PRECIOUS METALS CORP COM 962879102 3,885 101,688 SH   DFND   1,177 0 100,511
WISDOMTREE TRUST EUROPE HEDGED EQUITY FUND 97717X701 4,186 57,526 SH   DFND   1,770 0 55,756
CHUBB LIMITED COM H1467J104 265 1,676 SH   DFND   0 0 1,676