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
AFLAC INCORPORATED Com 001055102 203 5,640 SH   SOLE 0 5,640 0 0
AFLAC INCORPORATED Com 001055102 18 500 SH   DFND 0 500 0 0
AT&T INC Com 00206R102 1,298 42,931 SH   SOLE 0 42,931 0 0
AT&T INC Com 00206R102 489 16,164 SH   DFND 0 16,164 0 0
ABBOTT LABORATORIES Com 002824100 2,430 26,583 SH   SOLE 0 26,583 0 0
ABBOTT LABORATORIES Com 002824100 84 916 SH   DFND 0 916 0 0
ABBVIE INC Com 00287Y109 2,351 23,950 SH   SOLE 0 23,950 0 0
ABBVIE INC Com 00287Y109 59 600 SH   DFND 0 600 0 0
ADOBE INC Com 00724F101 7,689 17,663 SH   SOLE 0 17,320 0 343
ADOBE INC Com 00724F101 11 25 SH   DFND 0 25 0 0
ADVANCED DRAINAGE SYSTEMS INC Com 00790R104 494 10,008 SH   SOLE 0 9,828 0 180
ADVANCED ENERGY INDUSTRIES INC Com 007973100 294 4,330 SH   SOLE 0 4,257 0 73
AIR PRODUCTS & CHEMICALS INC Com 009158106 445 1,841 SH   SOLE 0 1,841 0 0
ALPHABET INC CL C Com 02079K107 6,351 4,493 SH   SOLE 0 4,431 0 62
ALPHABET INC CL C Com 02079K107 58 41 SH   DFND 0 41 0 0
ALPHABET INC CL A Com 02079K305 10,377 7,318 SH   SOLE 0 7,256 0 62
ALPHABET INC CL A Com 02079K305 87 61 SH   DFND 0 61 0 0
ALTRIA GROUP INC Com 02209S103 541 13,790 SH   SOLE 0 13,790 0 0
ALTRIA GROUP INC Com 02209S103 20 500 SH   DFND 0 500 0 0
AMAZON COM INC Com 023135106 20,813 7,544 SH   SOLE 0 7,474 0 70
AMAZON COM INC Com 023135106 259 94 SH   DFND 0 94 0 0
AMEREN CORP Com 023608102 348 4,951 SH   SOLE 0 4,951 0 0
AMERICAN EXPRESS CO Com 025816109 498 5,236 SH   SOLE 0 5,236 0 0
AMERICAN EXPRESS CO Com 025816109 5 49 SH   DFND 0 49 0 0
AMERICAN TOWER CORP Com 03027X100 2,228 8,616 SH   SOLE 0 8,616 0 0
AMERICAN TOWER CORP Com 03027X100 69 266 SH   DFND 0 266 0 0
AMERICAN WATER WORKS CO INC Com 030420103 423 3,289 SH   SOLE 0 3,289 0 0
AMERICAN WATER WORKS CO INC Com 030420103 51 400 SH   DFND 0 400 0 0
AMGEN INC Com 031162100 7,285 30,889 SH   SOLE 0 30,889 0 0
AMGEN INC Com 031162100 734 3,113 SH   DFND 0 3,113 0 0
ANALOG DEVICES INC Com 032654105 674 5,494 SH   SOLE 0 5,494 0 0
APPLE INC Com 037833100 42,365 116,131 SH   SOLE 0 115,220 0 911
APPLE INC Com 037833100 494 1,354 SH   DFND 0 1,354 0 0
APPLIED MATERIALS INC Com 038222105 548 9,065 SH   SOLE 0 9,065 0 0
AUTOMATIC DATA PROCESSING INC Com 053015103 1,896 12,732 SH   SOLE 0 12,732 0 0
AUTOMATIC DATA PROCESSING INC Com 053015103 573 3,848 SH   DFND 0 3,848 0 0
AUTOZONE INC Com 053332102 231 205 SH   SOLE 0 205 0 0
AVANGRID INC Com 05351W103 851 20,282 SH   SOLE 0 20,155 0 127
AVANGRID INC Com 05351W103 8 190 SH   DFND 0 190 0 0
BANK OF AMERICA CORP Com 060505104 320 13,466 SH   SOLE 0 13,466 0 0
BANK OF AMERICA CORP Com 060505104 36 1,500 SH   DFND 0 1,500 0 0
BAXTER INTERNATIONAL INC Com 071813109 634 7,366 SH   SOLE 0 7,016 0 350
BECTON DICKINSON & CO Com 075887109 311 1,298 SH   SOLE 0 1,298 0 0
BECTON DICKINSON & CO Com 075887109 24 100 SH   DFND 0 100 0 0
BERKSHIRE HATHAWAY INC B Com 084670702 8,128 45,535 SH   SOLE 0 45,101 0 434
BERKSHIRE HATHAWAY INC B Com 084670702 22 125 SH   DFND 0 125 0 0
BLACKROCK INC Com 09247X101 785 1,442 SH   SOLE 0 1,433 0 9
BOEING CO Com 097023105 391 2,135 SH   SOLE 0 2,135 0 0
BOOKING HOLDINGS INC Com 09857L108 229 144 SH   SOLE 0 144 0 0
BRISTOL MYERS SQUIBB CO Com 110122108 1,781 30,292 SH   SOLE 0 30,208 0 84
BRISTOL MYERS SQUIBB CO Com 110122108 375 6,375 SH   DFND 0 6,375 0 0
BROADRIDGE FINL SOLUTIONS INC Com 11133T103 5,504 43,617 SH   SOLE 0 43,104 0 513
BROADRIDGE FINL SOLUTIONS INC Com 11133T103 33 263 SH   DFND 0 263 0 0
BROADCOM INC Com 11135F101 12,639 40,047 SH   SOLE 0 39,647 0 400
BROADCOM INC Com 11135F101 61 192 SH   DFND 0 192 0 0
CARRIER GLOBAL CORP Com 14448C104 199 8,972 SH   SOLE 0 8,972 0 0
CARRIER GLOBAL CORP Com 14448C104 9 400 SH   DFND 0 400 0 0
CATERPILLAR INC Com 149123101 217 1,714 SH   SOLE 0 1,714 0 0
CENTENE CORP Com 15135B101 324 5,102 SH   SOLE 0 4,962 0 140
CERNER CORP Com 156782104 459 6,690 SH   SOLE 0 6,570 0 120
CHEVRON CORPORATION Com 166764100 787 8,817 SH   SOLE 0 8,817 0 0
CHEVRON CORPORATION Com 166764100 306 3,429 SH   DFND 0 3,429 0 0
CISCO SYSTEMS INC Com 17275R102 13,452 288,429 SH   SOLE 0 286,366 0 2,063
CISCO SYSTEMS INC Com 17275R102 276 5,909 SH   DFND 0 5,909 0 0
CITIZENS FINANCIAL GROUP INC Com 174610105 2,482 98,322 SH   SOLE 0 98,322 0 0
CITIZENS FINANCIAL GROUP INC Com 174610105 6 250 SH   DFND 0 250 0 0
CLOROX Com 189054109 491 2,236 SH   SOLE 0 2,236 0 0
COCA COLA CO Com 191216100 1,339 29,962 SH   SOLE 0 29,342 0 620
COCA COLA CO Com 191216100 80 1,800 SH   DFND 0 1,800 0 0
COLGATE PALMOLIVE INC Com 194162103 536 7,310 SH   SOLE 0 7,310 0 0
COLGATE PALMOLIVE INC Com 194162103 4 53 SH   DFND 0 53 0 0
COMCAST CORP Com 20030N101 383 9,823 SH   SOLE 0 9,823 0 0
COMERICA INC Com 200340107 884 23,200 SH   SOLE 0 23,200 0 0
CONSOLIDATED EDISON INC Com 209115104 436 6,060 SH   SOLE 0 6,060 0 0
COSTCO WHOLESALE CORP Com 22160K105 891 2,938 SH   SOLE 0 2,938 0 0
CROWN CASTLE INTL CORP Com 22822V101 218 1,300 SH   SOLE 0 1,300 0 0
DANAHER CORP Com 235851102 1,070 6,050 SH   SOLE 0 6,050 0 0
DEERE & COMPANY Com 244199105 306 1,948 SH   SOLE 0 1,948 0 0
DEERE & COMPANY Com 244199105 8 50 SH   DFND 0 50 0 0
WALT DISNEY CO Com 254687106 1,663 14,911 SH   SOLE 0 14,911 0 0
WALT DISNEY CO Com 254687106 17 150 SH   DFND 0 150 0 0
DISCOVERY COMMUNICATIONS C Com 25470F302 3,130 162,502 SH   SOLE 0 160,272 0 2,230
DISCOVERY COMMUNICATIONS C Com 25470F302 3 170 SH   DFND 0 170 0 0
DOLLAR GENERAL CORP Com 256677105 8,937 46,909 SH   SOLE 0 46,909 0 0
DOLLAR GENERAL CORP Com 256677105 9 45 SH   DFND 0 45 0 0
DONALDSON CO INC Com 257651109 263 5,653 SH   SOLE 0 5,553 0 100
DUKE ENERGY CORP Com 26441C204 203 2,545 SH   SOLE 0 2,545 0 0
DUKE ENERGY CORP Com 26441C204 95 1,190 SH   DFND 0 1,190 0 0
EBAY INC Com 278642103 7,944 151,453 SH   SOLE 0 150,934 0 519
EBAY INC Com 278642103 20 381 SH   DFND 0 381 0 0
ECOLAB INC Com 278865100 917 4,608 SH   SOLE 0 4,608 0 0
ECOLAB INC Com 278865100 199 1,000 SH   DFND 0 1,000 0 0
EDWARDS LIFESCIENCES CORP Com 28176E108 1,814 26,252 SH   SOLE 0 26,252 0 0
EDWARDS LIFESCIENCES CORP Com 28176E108 36 525 SH   DFND 0 525 0 0
EMERSON ELECTRIC CO Com 291011104 4,450 71,742 SH   SOLE 0 71,342 0 400
EMERSON ELECTRIC CO Com 291011104 197 3,181 SH   DFND 0 3,181 0 0
ENTEGRIS INC Com 29362U104 324 5,482 SH   SOLE 0 5,482 0 0
ESSENTIAL UTILITIES INC Com 29670G102 1,944 46,012 SH   SOLE 0 45,712 0 300
ESSENTIAL UTILITIES INC Com 29670G102 82 1,950 SH   DFND 0 1,950 0 0
EVERGY INC Com 30034W106 5,798 97,797 SH   SOLE 0 96,512 0 1,285
EXELON CORP Com 30161N101 249 6,868 SH   SOLE 0 6,868 0 0
EXXON MOBIL CORP Com 30231G102 1,521 34,010 SH   SOLE 0 34,010 0 0
EXXON MOBIL CORP Com 30231G102 165 3,700 SH   DFND 0 3,700 0 0
FACEBOOK INC Com 30303M102 6,005 26,445 SH   SOLE 0 26,195 0 250
FACEBOOK INC Com 30303M102 176 773 SH   DFND 0 773 0 0
FEDEX CORP Com 31428X106 197 1,405 SH   SOLE 0 1,405 0 0
FEDEX CORP Com 31428X106 21 150 SH   DFND 0 150 0 0
FIRST TRUST GLOBAL WIND ENERGY ETF Com 33736G106 1,239 86,121 SH   SOLE 0 85,521 0 600
FIRST TRUST GLOBAL WIND ENERGY ETF Com 33736G106 17 1,200 SH   DFND 0 1,200 0 0
FLEXSHARES IBOXX 3 YR TGT TIPS ETF Com 33939L506 1,682 66,535 SH   SOLE 0 66,043 0 492
FLEXSHARES GLOBAL QUALITY REAL ESTATE ETF Com 33939L787 314 6,122 SH   SOLE 0 6,063 0 59
FLEXSHARES STOXX GLOBAL BROAD INFRA ETF Com 33939L795 1,230 25,736 SH   SOLE 0 25,411 0 325
FLEXSHARES STOXX GLOBAL BROAD INFRA ETF Com 33939L795 11 235 SH   DFND 0 235 0 0
FLEXSHARES QUALITY DIV DEFENSIVE ETF Com 33939L845 1,364 32,600 SH   SOLE 0 31,250 0 1,350
FLEXSHARES QUALITY DVD ETF Com 33939L860 19,124 452,641 SH   SOLE 0 447,127 0 5,514
FLEXSHARES QUALITY DVD ETF Com 33939L860 23 533 SH   DFND 0 533 0 0
GENERAL ELECTRIC CO Com 369604103 293 42,934 SH   SOLE 0 42,934 0 0
GENERAL ELECTRIC CO Com 369604103 36 5,256 SH   DFND 0 5,256 0 0
GENERAL MILLS INC Com 370334104 392 6,351 SH   SOLE 0 6,351 0 0
GENERAL MILLS INC Com 370334104 82 1,325 SH   DFND 0 1,325 0 0
GLAXO SMITHKLINE PLC SP ADR Com 37733W105 393 9,623 SH   SOLE 0 9,623 0 0
GOLDMAN SACHS ACTIVEBETA INTL EQUITY ETF Com 381430107 4,471 168,154 SH   SOLE 0 167,654 0 500
GOLDMAN SACHS ACTIVEBETA US LGE CAP EQ ETF Com 381430503 4,689 74,910 SH   SOLE 0 74,910 0 0
GOLDMAN SACHS TREAS ACCESS 0-1 YR ETF Com 381430529 1,301 12,950 SH   SOLE 0 12,950 0 0
JACK HENRY & ASSOCIATES INC Com 426281101 445 2,420 SH   SOLE 0 2,420 0 0
HOLOGIC INC Com 436440101 556 9,750 SH   SOLE 0 9,580 0 170
HOME DEPOT INC Com 437076102 11,994 47,877 SH   SOLE 0 47,297 0 580
HOME DEPOT INC Com 437076102 200 797 SH   DFND 0 797 0 0
HONEYWELL INTL INC Com 438516106 1,057 7,310 SH   SOLE 0 7,310 0 0
HONEYWELL INTL INC Com 438516106 87 600 SH   DFND 0 600 0 0
IDEXX LABORATORIES INC Com 45168D104 332 1,005 SH   SOLE 0 1,005 0 0
ILLINOIS TOOL WORKS INC Com 452308109 370 2,114 SH   SOLE 0 2,114 0 0
ILLINOIS TOOL WORKS INC Com 452308109 534 3,056 SH   DFND 0 3,056 0 0
INTEL CORP Com 458140100 19,896 332,542 SH   SOLE 0 329,627 0 2,915
INTEL CORP Com 458140100 695 11,619 SH   DFND 0 11,619 0 0
INTERCONTINENTAL EXCHANGE INC Com 45866F104 6,757 73,770 SH   SOLE 0 72,570 0 1,200
INTERCONTINENTAL EXCHANGE INC Com 45866F104 5 58 SH   DFND 0 58 0 0
INTERNATIONAL BUSINESS MACHINES CORP Com 459200101 708 5,859 SH   SOLE 0 5,859 0 0
INTERNATIONAL BUSINESS MACHINES CORP Com 459200101 52 430 SH   DFND 0 430 0 0
INVESCO QQQ TRUST SERIES 1 ETF Com 46090E103 624 2,521 SH   SOLE 0 2,521 0 0
INVESCO WATER RESOURCES ETF Com 46137V142 553 15,210 SH   SOLE 0 14,860 0 350
INVESCO WATER RESOURCES ETF Com 46137V142 18 500 SH   DFND 0 500 0 0
INVESCO CLEANTECH ETF Com 46137V407 426 8,656 SH   SOLE 0 8,336 0 320
INVESCO CLEANTECH ETF Com 46137V407 21 425 SH   DFND 0 425 0 0
INVESCO KBW BANK PORT ETF Com 46138E628 1,961 51,290 SH   SOLE 0 51,290 0 0
INVESCO KBW BANK PORT ETF Com 46138E628 8 200 SH   DFND 0 200 0 0
INVESCO SOLAR ETF Com 46138G706 1,137 31,509 SH   SOLE 0 31,189 0 320
INVESCO SOLAR ETF Com 46138G706 18 500 SH   DFND 0 500 0 0
ISHARES CORE S&P TOTAL US STK MKT ETF Com 464287150 274 3,944 SH   SOLE 0 3,944 0 0
ISHARES SELECT DIVIDEND ETF Com 464287168 1,805 22,366 SH   SOLE 0 22,366 0 0
ISHARES CORE S&P 500 ETF Com 464287200 10,214 32,980 SH   SOLE 0 32,980 0 0
ISHARES CORE TOTAL AGGR US BOND ETF Com 464287226 424 3,590 SH   SOLE 0 3,590 0 0
ISHARES IBOXX INV GRADE CORP BD ETF Com 464287242 416 3,090 SH   SOLE 0 3,090 0 0
ISHARES MSCI EAFE INDEX ETF Com 464287465 2,985 49,039 SH   SOLE 0 49,039 0 0
ISHARES MSCI EAFE INDEX ETF Com 464287465 67 1,100 SH   DFND 0 1,100 0 0
ISHARES CORE S&P MIDCAP ETF Com 464287507 1,810 10,181 SH   SOLE 0 10,181 0 0
ISHARES RUSSELL 1000 GROWTH ETF Com 464287614 353 1,841 SH   SOLE 0 1,841 0 0
ISHARES RUSSELL 2000 ETF Com 464287655 299 2,086 SH   SOLE 0 2,086 0 0
ISHARES RUSSELL 3000 ETF Com 464287689 1,331 7,390 SH   SOLE 0 7,390 0 0
ISHARES CORE S&P SMALL CAP ETF Com 464287804 756 11,075 SH   SOLE 0 11,075 0 0
ISHARES EDGE MSCI MIN VOL EAFE ETF Com 46429B689 1,429 21,628 SH   SOLE 0 21,378 0 250
ISHARES EDGE MSCI MIN VOL USA ETF Com 46429B697 231 3,815 SH   SOLE 0 3,815 0 0
ISHARES EDGE MSCI USA QUAL FACT ETF Com 46432F339 3,483 36,309 SH   SOLE 0 36,257 0 52
ISHARES CORE MSCI EAFE ETF Com 46432F842 16,233 283,994 SH   SOLE 0 282,572 0 1,422
ISHARES CORE MSCI EAFE ETF Com 46432F842 65 1,132 SH   DFND 0 1,132 0 0
ISHARES CORE DIVIDEND GROWTH ETF Com 46434V621 16,033 426,401 SH   SOLE 0 425,401 0 1,000
ITRON INC Com 465741106 419 6,330 SH   SOLE 0 6,200 0 130
JP MORGAN CHASE & CO Com 46625H100 9,004 95,723 SH   SOLE 0 94,966 0 757
JP MORGAN CHASE & CO Com 46625H100 27 286 SH   DFND 0 286 0 0
JOHNSON & JOHNSON CO Com 478160104 8,338 59,292 SH   SOLE 0 58,917 0 375
JOHNSON & JOHNSON CO Com 478160104 605 4,300 SH   DFND 0 4,300 0 0
KELLOGG CO Com 487836108 383 5,795 SH   SOLE 0 5,795 0 0
KEYCORP NEW Com 493267108 1,017 83,477 SH   SOLE 0 81,097 0 2,380
KEYCORP NEW Com 493267108 22 1,800 SH   DFND 0 1,800 0 0
KIMBERLY-CLARK CORP Com 494368103 6,975 49,344 SH   SOLE 0 49,344 0 0
KIMBERLY-CLARK CORP Com 494368103 319 2,260 SH   DFND 0 2,260 0 0
KROGER CO Com 501044101 7,358 217,376 SH   SOLE 0 214,661 0 2,715
ELI LILLY & CO Com 532457108 638 3,884 SH   SOLE 0 3,884 0 0
ELI LILLY & CO Com 532457108 109 664 SH   DFND 0 664 0 0
LINCOLN ELECTRIC HOLDINGS Com 533900106 4,728 56,124 SH   SOLE 0 55,177 0 947
LOWES COMPANIES INC Com 548661107 8,075 59,763 SH   SOLE 0 59,763 0 0
MSA SAFETY INC Com 553498106 513 4,479 SH   SOLE 0 4,479 0 0
MARKEL CORP Com 570535104 307 333 SH   SOLE 0 333 0 0
MARRIOTT INTERNATIONAL INC Com 571903202 481 5,608 SH   SOLE 0 5,608 0 0
MASTERCARD INC CL A Com 57636Q104 1,581 5,348 SH   SOLE 0 4,978 0 370
MASTERCARD INC CL A Com 57636Q104 30 100 SH   DFND 0 100 0 0
MCDONALDS CORP Com 580135101 823 4,462 SH   SOLE 0 4,462 0 0
MCDONALDS CORP Com 580135101 160 865 SH   DFND 0 865 0 0
MEDICAL PROPERTIES TRUST INC Com 58463J304 366 19,467 SH   SOLE 0 19,203 0 264
MERCK & CO INC Com 58933Y105 6,363 82,289 SH   SOLE 0 82,230 0 59
MERCK & CO INC Com 58933Y105 156 2,016 SH   DFND 0 2,016 0 0
METLIFE INC Com 59156R108 2,989 81,852 SH   SOLE 0 81,852 0 0
MICROSOFT CORP Com 594918104 34,941 171,690 SH   SOLE 0 170,071 0 1,619
MICROSOFT CORP Com 594918104 1,070 5,259 SH   DFND 0 5,259 0 0
MONDELEZ INTERNATIONAL INC A Com 609207105 552 10,800 SH   SOLE 0 10,800 0 0
MONDELEZ INTERNATIONAL INC A Com 609207105 41 800 SH   DFND 0 800 0 0
NASDAQ INC Com 631103108 211 1,767 SH   SOLE 0 1,767 0 0
NASDAQ INC Com 631103108 72 600 SH   DFND 0 600 0 0
NEXTERA ENERGY INC Com 65339F101 3,849 16,027 SH   SOLE 0 16,027 0 0
NIKE INC CLASS B Com 654106103 2,474 25,232 SH   SOLE 0 25,232 0 0
NORFOLK SOUTHERN CORP Com 655844108 282 1,606 SH   SOLE 0 1,606 0 0
NORFOLK SOUTHERN CORP Com 655844108 18 100 SH   DFND 0 100 0 0
NOVARTIS AG ADR Com 66987V109 4,475 51,234 SH   SOLE 0 50,234 0 1,000
NOVARTIS AG ADR Com 66987V109 4 41 SH   DFND 0 41 0 0
NUANCE COMMUNICATIONS INC Com 67020Y100 254 10,050 SH   SOLE 0 9,570 0 480
NUVEEN MUNICIPAL INCOME FUND Com 67062J102 338 31,595 SH   DFND 0 31,595 0 0
NUVEEN MUNI VALUE FDS INC Com 670928100 20 2,000 SH   SOLE 0 2,000 0 0
NUVEEN MUNI VALUE FDS INC Com 670928100 396 38,870 SH   DFND 0 38,870 0 0
ORACLE CORPORATION Com 68389X105 9,891 178,956 SH   SOLE 0 177,759 0 1,197
ORACLE CORPORATION Com 68389X105 22 389 SH   DFND 0 389 0 0
OTIS WORLDWIDE CORP Com 68902V107 275 4,843 SH   SOLE 0 4,843 0 0
OTIS WORLDWIDE CORP Com 68902V107 11 200 SH   DFND 0 200 0 0
PPG INDUSTRIES Com 693506107 180 1,700 SH   SOLE 0 1,700 0 0
PPG INDUSTRIES Com 693506107 37 350 SH   DFND 0 350 0 0
PPL CORP Com 69351T106 316 12,210 SH   SOLE 0 12,210 0 0
PPL CORP Com 69351T106 28 1,100 SH   DFND 0 1,100 0 0
PEPSICO INC Com 713448108 7,416 56,071 SH   SOLE 0 56,071 0 0
PEPSICO INC Com 713448108 575 4,348 SH   DFND 0 4,348 0 0
PFIZER INC Com 717081103 11,133 340,466 SH   SOLE 0 338,248 0 2,218
PFIZER INC Com 717081103 617 18,875 SH   DFND 0 18,875 0 0
PHILIP MORRIS INTERNATIONAL INC Com 718172109 1,060 15,124 SH   SOLE 0 15,124 0 0
PHILIP MORRIS INTERNATIONAL INC Com 718172109 32 463 SH   DFND 0 463 0 0
PROCTER & GAMBLE CO Com 742718109 9,325 77,990 SH   SOLE 0 77,790 0 200
PROCTER & GAMBLE CO Com 742718109 578 4,832 SH   DFND 0 4,832 0 0
PUBLIC SERVICE ENTERPRISE GROUP Com 744573106 9,647 196,235 SH   SOLE 0 194,579 0 1,656
RAYTHEON TECHNOLOGIES CORP Com 75513E101 1,418 23,011 SH   SOLE 0 23,011 0 0
RAYTHEON TECHNOLOGIES CORP Com 75513E101 45 736 SH   DFND 0 736 0 0
REGENERON PHARMACEUTICALS INC Com 75886F107 1,238 1,985 SH   SOLE 0 1,985 0 0
ROBERT HALF INTL INC Com 770323103 225 4,263 SH   SOLE 0 4,263 0 0
ROCKWELL AUTOMATION INC Com 773903109 2,385 11,197 SH   SOLE 0 11,037 0 160
ROCKWELL AUTOMATION INC Com 773903109 21 100 SH   DFND 0 100 0 0
ROPER TECHNOLOGIES, INC Com 776696106 363 935 SH   SOLE 0 935 0 0
ROYAL DUTCH SHELL PLC ADR A Com 780259206 4,063 124,284 SH   SOLE 0 124,284 0 0
ROYAL DUTCH SHELL PLC ADR A Com 780259206 79 2,428 SH   DFND 0 2,428 0 0
SPDR S&P500 ETF Com 78462F103 5,920 19,198 SH   SOLE 0 19,198 0 0
SPDR GOLD SHARES ETF Com 78463V107 269 1,610 SH   SOLE 0 1,610 0 0
SPDR S&P DIVIDEND ETF Com 78464A763 5,338 58,530 SH   SOLE 0 58,530 0 0
SALESFORCE.COM INC Com 79466L302 224 1,196 SH   SOLE 0 1,196 0 0
SANOFI ADR Com 80105N105 3,541 69,354 SH   SOLE 0 69,354 0 0
SANOFI ADR Com 80105N105 34 671 SH   DFND 0 671 0 0
CHARLES SCHWAB CORP Com 808513105 5,393 159,827 SH   SOLE 0 158,777 0 1,050
SCHWAB US MID CAP ETF Com 808524508 387 7,357 SH   SOLE 0 7,357 0 0
SCHWAB US SMALL CAP ETF Com 808524607 266 4,070 SH   SOLE 0 4,070 0 0
SCHWAB EMERGING MKTS EQUITY ETF Com 808524706 244 10,000 SH   SOLE 0 10,000 0 0
MATERIALS SELECT SECTOR SPDR ETF Com 81369Y100 259 4,588 SH   SOLE 0 4,588 0 0
HEALTH CARE SEL SECT SPDR ETF Com 81369Y209 1,826 18,245 SH   SOLE 0 18,245 0 0
CONSUMER STAPLES SELECT SECTOR SPDR ETF Com 81369Y308 11,225 191,419 SH   SOLE 0 190,064 0 1,355
CONSUMER STAPLES SELECT SECTOR SPDR ETF Com 81369Y308 73 1,240 SH   DFND 0 1,240 0 0
CONSUMER DISC SELECT SECTOR SPDR ETF Com 81369Y407 3,442 26,955 SH   SOLE 0 26,955 0 0
CONSUMER DISC SELECT SECTOR SPDR ETF Com 81369Y407 50 391 SH   DFND 0 391 0 0
FINANCIAL SELECT SECTOR SPDR ETF Com 81369Y605 566 24,459 SH   SOLE 0 24,459 0 0
INDUSTRIAL SELECT SECTOR SPDR ETF Com 81369Y704 607 8,842 SH   SOLE 0 8,842 0 0
TECHNOLOGY SELECT SECT SPDR ETF Com 81369Y803 4,041 38,669 SH   SOLE 0 38,669 0 0
SEMPRA ENERGY Com 816851109 435 3,707 SH   SOLE 0 3,707 0 0
SEMPRA ENERGY Com 816851109 23 200 SH   DFND 0 200 0 0
SKYWORKS SOLUTIONS INC Com 83088M102 4,733 37,020 SH   SOLE 0 36,600 0 420
SKYWORKS SOLUTIONS INC Com 83088M102 4 28 SH   DFND 0 28 0 0
SPROTT PHYSICAL GOLD TRUST ETF Com 85207H104 174 12,131 SH   SOLE 0 12,131 0 0
STARBUCKS CORP Com 855244109 5,721 77,748 SH   SOLE 0 77,351 0 397
STARBUCKS CORP Com 855244109 35 471 SH   DFND 0 471 0 0
STRYKER CORP Com 863667101 4,157 23,069 SH   SOLE 0 22,869 0 200
STRYKER CORP Com 863667101 63 350 SH   DFND 0 350 0 0
SYSCO CORPORATION Com 871829107 57 1,034 SH   SOLE 0 1,034 0 0
SYSCO CORPORATION Com 871829107 219 4,000 SH   DFND 0 4,000 0 0
TJX COMPANIES INC Com 872540109 6,763 133,756 SH   SOLE 0 130,990 0 2,766
TJX COMPANIES INC Com 872540109 31 610 SH   DFND 0 610 0 0
TAIWAN SEMICONDUCTOR MANUFACTURING ADR Com 874039100 270 4,750 SH   SOLE 0 4,750 0 0
TAIWAN SEMICONDUCTOR MANUFACTURING ADR Com 874039100 57 1,000 SH   DFND 0 1,000 0 0
TARGET CORP Com 87612E106 5,889 49,107 SH   SOLE 0 49,107 0 0
TARGET CORP Com 87612E106 213 1,775 SH   DFND 0 1,775 0 0
TETRA TECH INC Com 88162G103 301 3,808 SH   SOLE 0 3,808 0 0
TEXAS INSTRUMENTS INC Com 882508104 6,169 48,588 SH   SOLE 0 48,588 0 0
TEXAS INSTRUMENTS INC Com 882508104 123 970 SH   DFND 0 970 0 0
THERMO FISHER SCIENTIFIC Com 883556102 1,388 3,832 SH   SOLE 0 3,832 0 0
3M CO Com 88579Y101 1,858 11,911 SH   SOLE 0 11,911 0 0
3M CO Com 88579Y101 23 150 SH   DFND 0 150 0 0
TRAVELERS COS INC Com 89417E109 351 3,081 SH   SOLE 0 3,081 0 0
TRUIST FINANCIAL CORP Com 89832Q109 8,608 229,230 SH   SOLE 0 228,583 0 647
TRUIST FINANCIAL CORP Com 89832Q109 138 3,664 SH   DFND 0 3,664 0 0
UNILEVER PLC SPON ADR Com 904767704 400 7,280 SH   SOLE 0 7,280 0 0
UNION PACIFIC CORP Com 907818108 1,650 9,757 SH   SOLE 0 9,757 0 0
UNION PACIFIC CORP Com 907818108 152 900 SH   DFND 0 900 0 0
UNITED PARCEL SERVICE INC Com 911312106 222 2,001 SH   SOLE 0 2,001 0 0
UNITED PARCEL SERVICE INC Com 911312106 78 700 SH   DFND 0 700 0 0
UNITEDHEALTH GROUP INC Com 91324P102 8,004 27,138 SH   SOLE 0 26,751 0 387
UNITEDHEALTH GROUP INC Com 91324P102 38 129 SH   DFND 0 129 0 0
VANECK VECTORS LOW CARBON ENERGY ETF Com 92189F502 281 3,445 SH   SOLE 0 3,445 0 0
VANGUARD DIVIDEND APPREC ETF Com 921908844 10,304 87,929 SH   SOLE 0 87,929 0 0
VANGUARD HIGH DIVIDEND YIELD ETF Com 921946406 2,418 30,693 SH   SOLE 0 30,693 0 0
VANGUARD SHORT TERM TIPS ETF Com 922020805 3,939 78,509 SH   SOLE 0 78,509 0 0
VANGUARD FTSE EMERGING MARKETS ETF Com 922042858 201 5,076 SH   SOLE 0 5,076 0 0
VANGUARD FTSE EMERGING MARKETS ETF Com 922042858 8 200 SH   DFND 0 200 0 0
VANGUARD FTSE PACIFIC ETF Com 922042866 3,984 62,591 SH   SOLE 0 62,591 0 0
VANGUARD FTSE PACIFIC ETF Com 922042866 5 83 SH   DFND 0 83 0 0
VANGUARD FTSE EUROPE ETF Com 922042874 4,573 90,863 SH   SOLE 0 90,863 0 0
VANGUARD FTSE EUROPE ETF Com 922042874 2 45 SH   DFND 0 45 0 0
VANGUARD FINANCIALS ETF Com 92204A405 241 4,222 SH   SOLE 0 4,222 0 0
VANGUARD HEALTH CARE ETF Com 92204A504 271 1,408 SH   SOLE 0 1,408 0 0
VANGUARD INDUSTRIALS ETF Com 92204A603 5,475 42,140 SH   SOLE 0 41,391 0 749
VANGUARD INDUSTRIALS ETF Com 92204A603 6 46 SH   DFND 0 46 0 0
VANGUARD INFO TECH ETF Com 92204A702 984 3,531 SH   SOLE 0 3,531 0 0
VANGUARD INFO TECH ETF Com 92204A702 15 55 SH   DFND 0 55 0 0
VANGUARD MID CAP VALUE ETF Com 922908512 6,615 69,123 SH   SOLE 0 68,413 0 710
VANGUARD MID CAP VALUE ETF Com 922908512 46 485 SH   DFND 0 485 0 0
VANGUARD MID CAP GROWTH ETF Com 922908538 6,502 39,385 SH   SOLE 0 38,785 0 600
VANGUARD MID CAP GROWTH ETF Com 922908538 102 617 SH   DFND 0 617 0 0
VANGUARD REIT INDEX ETF Com 922908553 2,350 29,926 SH   SOLE 0 29,671 0 255
VANGUARD REIT INDEX ETF Com 922908553 161 2,055 SH   DFND 0 2,055 0 0
VANGUARD MID CAP ETF Com 922908629 437 2,667 SH   SOLE 0 2,667 0 0
VANGUARD LARGE CAP ETF Com 922908637 11,839 82,791 SH   SOLE 0 82,791 0 0
VANGUARD TOTAL STOCK MKT ETF Com 922908769 9,664 61,741 SH   SOLE 0 61,741 0 0
VERIZON COMMUNICATIONS Com 92343V104 5,744 104,187 SH   SOLE 0 104,187 0 0
VERIZON COMMUNICATIONS Com 92343V104 421 7,633 SH   DFND 0 7,633 0 0
VISA INC Com 92826C839 11,470 59,376 SH   SOLE 0 59,026 0 350
VISA INC Com 92826C839 150 779 SH   DFND 0 779 0 0
WALMART STORES INC Com 931142103 1,909 15,939 SH   SOLE 0 15,939 0 0
WALMART STORES INC Com 931142103 244 2,039 SH   DFND 0 2,039 0 0
WASTE MANAGEMENT Com 94106L109 248 2,346 SH   SOLE 0 2,346 0 0
WATERS CORP Com 941848103 259 1,437 SH   SOLE 0 1,407 0 30
WATTS WATER TECHNOLOGIES-A Com 942749102 573 7,076 SH   SOLE 0 6,966 0 110
XYLEM INC Com 98419M100 422 6,495 SH   SOLE 0 6,410 0 85
ACCENTURE PLC Com G1151C101 8,421 39,217 SH   SOLE 0 38,678 0 539
EATON CORP PLC Com G29183103 5,295 60,527 SH   SOLE 0 60,242 0 285
EATON CORP PLC Com G29183103 17 200 SH   DFND 0 200 0 0
JOHNSON CONTROLS INTERNATIONAL PLC Com G51502105 1,876 54,946 SH   SOLE 0 54,796 0 150
LINDE PLC Com G5494J103 618 2,912 SH   SOLE 0 2,912 0 0
LINDE PLC Com G5494J103 48 225 SH   DFND 0 225 0 0
MEDTRONIC PLC Com G5960L103 7,212 78,646 SH   SOLE 0 78,051 0 595
MEDTRONIC PLC Com G5960L103 13 143 SH   DFND 0 143 0 0
SENSATA TECHNOLOGIES HOLDING PLC Com G8060N102 239 6,416 SH   SOLE 0 6,266 0 150
TRANE TECHNOLOGIES PUBLIC LTD CO Com G8994E103 200 2,251 SH   SOLE 0 2,251 0 0
TRANE TECHNOLOGIES PUBLIC LTD CO Com G8994E103 445 5,000 SH   DFND 0 5,000 0 0
CHUBB LTD Com H1467J104 36 284 SH   SOLE 0 284 0 0
CHUBB LTD Com H1467J104 507 4,007 SH   DFND 0 4,007 0 0