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 1,129 39,259 SH   SOLE 0 39,259 0 0
AT&T INC Com 00206R102 465 16,164 SH   DFND 0 15,864 0 300
ABBOTT LABORATORIES Com 002824100 2,760 25,209 SH   SOLE 0 25,209 0 0
ABBOTT LABORATORIES Com 002824100 100 916 SH   DFND 0 800 0 116
ABBVIE INC Com 00287Y109 2,434 22,712 SH   SOLE 0 22,712 0 0
ABBVIE INC Com 00287Y109 64 600 SH   DFND 0 600 0 0
ADOBE INC Com 00724F101 8,495 16,986 SH   SOLE 0 16,658 0 328
ADOBE INC Com 00724F101 13 25 SH   DFND 0 0 0 25
ADVANCED DRAINAGE SYSTEMS INC Com 00790R104 818 9,788 SH   SOLE 0 9,608 0 180
ADVANCED ENERGY INDUSTRIES INC Com 007973100 415 4,282 SH   SOLE 0 4,209 0 73
AIR PRODUCTS & CHEMICALS INC Com 009158106 475 1,737 SH   SOLE 0 1,737 0 0
ALPHABET INC CL C Com 02079K107 7,577 4,325 SH   SOLE 0 4,265 0 60
ALPHABET INC CL C Com 02079K107 72 41 SH   DFND 0 41 0 0
ALPHABET INC CL A Com 02079K305 12,416 7,084 SH   SOLE 0 7,029 0 55
ALPHABET INC CL A Com 02079K305 123 70 SH   DFND 0 41 0 29
ALTRIA GROUP INC Com 02209S103 614 14,971 SH   SOLE 0 14,971 0 0
AMAZON COM INC Com 023135106 23,645 7,260 SH   SOLE 0 7,193 0 67
AMAZON COM INC Com 023135106 306 94 SH   DFND 0 90 0 4
AMEREN CORP Com 023608102 367 4,700 SH   SOLE 0 4,700 0 0
AMERICAN EXPRESS CO Com 025816109 549 4,537 SH   SOLE 0 4,537 0 0
AMERICAN TOWER CORP Com 03027X100 2,016 8,981 SH   SOLE 0 8,981 0 0
AMERICAN TOWER CORP Com 03027X100 60 266 SH   DFND 0 0 0 266
AMERICAN WATER WORKS CO INC Com 030420103 486 3,169 SH   SOLE 0 3,169 0 0
AMERICAN WATER WORKS CO INC Com 030420103 61 400 SH   DFND 0 400 0 0
AMGEN INC Com 031162100 6,766 29,429 SH   SOLE 0 29,429 0 0
AMGEN INC Com 031162100 716 3,113 SH   DFND 0 3,113 0 0
ANALOG DEVICES INC Com 032654105 723 4,893 SH   SOLE 0 4,893 0 0
APPLE INC Com 037833100 56,616 426,678 SH   SOLE 0 423,392 0 3,286
APPLE INC Com 037833100 669 5,040 SH   DFND 0 3,440 0 1,600
APPLIED MATERIALS INC Com 038222105 717 8,308 SH   SOLE 0 8,308 0 0
AUTOMATIC DATA PROCESSING INC Com 053015103 2,110 11,975 SH   SOLE 0 11,975 0 0
AUTOMATIC DATA PROCESSING INC Com 053015103 678 3,848 SH   DFND 0 3,800 0 48
AUTOZONE INC Com 053332102 213 180 SH   SOLE 0 180 0 0
AVANGRID INC Com 05351W103 670 14,745 SH   SOLE 0 14,618 0 127
BANK OF AMERICA CORP Com 060505104 336 11,097 SH   SOLE 0 11,097 0 0
BANK OF AMERICA CORP Com 060505104 45 1,500 SH   DFND 0 1,500 0 0
BAXTER INTERNATIONAL INC Com 071813109 508 6,334 SH   SOLE 0 5,984 0 350
BECTON DICKINSON & CO Com 075887109 402 1,606 SH   SOLE 0 1,606 0 0
BECTON DICKINSON & CO Com 075887109 25 100 SH   DFND 0 100 0 0
BERKSHIRE HATHAWAY INC B Com 084670702 10,447 45,056 SH   SOLE 0 44,581 0 475
BERKSHIRE HATHAWAY INC B Com 084670702 64 277 SH   DFND 0 125 0 152
BLACKROCK INC Com 09247X101 999 1,384 SH   SOLE 0 1,375 0 9
BOEING CO Com 097023105 417 1,946 SH   SOLE 0 1,946 0 0
BOOKING HOLDINGS INC Com 09857L108 330 148 SH   SOLE 0 148 0 0
BRISTOL MYERS SQUIBB CO Com 110122108 1,858 29,947 SH   SOLE 0 29,863 0 84
BRISTOL MYERS SQUIBB CO Com 110122108 395 6,375 SH   DFND 0 6,375 0 0
BROADRIDGE FINL SOLUTIONS INC Com 11133T103 6,441 42,040 SH   SOLE 0 41,527 0 513
BROADRIDGE FINL SOLUTIONS INC Com 11133T103 10 63 SH   DFND 0 0 0 63
BROADCOM INC Com 11135F101 16,513 37,714 SH   SOLE 0 37,314 0 400
BROADCOM INC Com 11135F101 150 342 SH   DFND 0 232 0 110
CARRIER GLOBAL CORP Com 14448C104 339 8,992 SH   SOLE 0 8,992 0 0
CARRIER GLOBAL CORP Com 14448C104 15 400 SH   DFND 0 400 0 0
CATERPILLAR INC Com 149123101 254 1,397 SH   SOLE 0 1,397 0 0
CENTENE CORP Com 15135B101 299 4,973 SH   SOLE 0 4,833 0 140
CERNER CORP Com 156782104 501 6,385 SH   SOLE 0 6,265 0 120
CHEVRON CORPORATION Com 166764100 743 8,801 SH   SOLE 0 8,801 0 0
CHEVRON CORPORATION Com 166764100 187 2,215 SH   DFND 0 2,215 0 0
CHURCH & DWIGHT CO INC Com 171340102 227 2,600 SH   SOLE 0 2,600 0 0
CHURCH & DWIGHT CO INC Com 171340102 28 320 SH   DFND 0 320 0 0
CISCO SYSTEMS INC Com 17275R102 12,624 282,107 SH   SOLE 0 280,044 0 2,063
CISCO SYSTEMS INC Com 17275R102 285 6,364 SH   DFND 0 5,364 0 1,000
CITIZENS FINANCIAL GROUP INC Com 174610105 3,583 100,195 SH   SOLE 0 100,195 0 0
CITIZENS FINANCIAL GROUP INC Com 174610105 9 250 SH   DFND 0 250 0 0
CLOROX Com 189054109 265 1,310 SH   SOLE 0 1,310 0 0
COCA COLA CO Com 191216100 1,703 31,054 SH   SOLE 0 30,434 0 620
COCA COLA CO Com 191216100 99 1,800 SH   DFND 0 1,800 0 0
COLGATE PALMOLIVE INC Com 194162103 590 6,896 SH   SOLE 0 6,896 0 0
COLGATE PALMOLIVE INC Com 194162103 5 53 SH   DFND 0 0 0 53
COMCAST CORP Com 20030N101 10,044 191,686 SH   SOLE 0 190,386 0 1,300
COMERICA INC Com 200340107 1,262 22,600 SH   SOLE 0 22,600 0 0
CONSOLIDATED EDISON INC Com 209115104 421 5,825 SH   SOLE 0 5,825 0 0
COSTCO WHOLESALE CORP Com 22160K105 952 2,528 SH   SOLE 0 2,528 0 0
DANAHER CORP Com 235851102 1,455 6,548 SH   SOLE 0 6,548 0 0
DEERE & COMPANY Com 244199105 504 1,873 SH   SOLE 0 1,873 0 0
DEERE & COMPANY Com 244199105 13 50 SH   DFND 0 50 0 0
WALT DISNEY CO Com 254687106 2,587 14,277 SH   SOLE 0 14,277 0 0
WALT DISNEY CO Com 254687106 27 150 SH   DFND 0 150 0 0
DISCOVERY COMMUNICATIONS C Com 25470F302 2,984 113,918 SH   SOLE 0 113,918 0 0
DISCOVERY COMMUNICATIONS C Com 25470F302 4 170 SH   DFND 0 0 0 170
DOLLAR GENERAL CORP Com 256677105 9,155 43,531 SH   SOLE 0 43,531 0 0
DOLLAR GENERAL CORP Com 256677105 9 45 SH   DFND 0 0 0 45
DONALDSON CO INC Com 257651109 347 6,203 SH   SOLE 0 6,103 0 100
DUKE ENERGY CORP Com 26441C204 195 2,135 SH   SOLE 0 2,135 0 0
DUKE ENERGY CORP Com 26441C204 109 1,190 SH   DFND 0 1,190 0 0
EBAY INC Com 278642103 6,942 138,140 SH   SOLE 0 137,621 0 519
EBAY INC Com 278642103 10 200 SH   DFND 0 200 0 0
ECOLAB INC Com 278865100 1,074 4,963 SH   SOLE 0 4,963 0 0
ECOLAB INC Com 278865100 216 1,000 SH   DFND 0 0 0 1,000
EDWARDS LIFESCIENCES CORP Com 28176E108 2,338 25,627 SH   SOLE 0 25,627 0 0
EDWARDS LIFESCIENCES CORP Com 28176E108 21 225 SH   DFND 0 225 0 0
EMERSON ELECTRIC CO Com 291011104 5,865 72,972 SH   SOLE 0 72,572 0 400
EMERSON ELECTRIC CO Com 291011104 256 3,181 SH   DFND 0 2,981 0 200
ENTEGRIS INC Com 29362U104 423 4,400 SH   SOLE 0 4,400 0 0
ESSENTIAL UTILITIES INC Com 29670G102 2,018 42,664 SH   SOLE 0 42,364 0 300
ESSENTIAL UTILITIES INC Com 29670G102 92 1,950 SH   DFND 0 1,950 0 0
EVERGY INC Com 30034W106 4,705 84,764 SH   SOLE 0 83,479 0 1,285
EVERGY INC Com 30034W106 42 750 SH   DFND 0 750 0 0
EXELON CORP Com 30161N101 285 6,740 SH   SOLE 0 6,740 0 0
EXXON MOBIL CORP Com 30231G102 1,235 29,950 SH   SOLE 0 29,950 0 0
EXXON MOBIL CORP Com 30231G102 32 775 SH   DFND 0 775 0 0
FACEBOOK INC Com 30303M102 6,988 25,583 SH   SOLE 0 25,383 0 200
FACEBOOK INC Com 30303M102 200 733 SH   DFND 0 710 0 23
FEDEX CORP Com 31428X106 182 700 SH   SOLE 0 700 0 0
FEDEX CORP Com 31428X106 39 150 SH   DFND 0 150 0 0
FIRST TRUST GLOBAL WIND ENERGY ETF Com 33736G106 2,012 86,361 SH   SOLE 0 85,761 0 600
FIRST TRUST GLOBAL WIND ENERGY ETF Com 33736G106 28 1,200 SH   DFND 0 1,200 0 0
FLEXSHARES IBOXX 3 YR TGT TIPS ETF Com 33939L506 615 23,590 SH   SOLE 0 23,590 0 0
FLEXSHARES GLOBAL QUALITY REAL ESTATE ETF Com 33939L787 367 6,370 SH   SOLE 0 6,370 0 0
FLEXSHARES STOXX GLOBAL BROAD INFRA ETF Com 33939L795 1,197 22,269 SH   SOLE 0 21,944 0 325
FLEXSHARES QUALITY DIV DEFENSIVE ETF Com 33939L845 1,285 26,817 SH   SOLE 0 25,467 0 1,350
FLEXSHARES QUALITY DVD ETF Com 33939L860 14,896 301,292 SH   SOLE 0 297,292 0 4,000
GENERAL ELECTRIC CO Com 369604103 417 38,645 SH   SOLE 0 38,645 0 0
GENERAL ELECTRIC CO Com 369604103 27 2,456 SH   DFND 0 2,456 0 0
GENERAL MILLS INC Com 370334104 285 4,849 SH   SOLE 0 4,849 0 0
GENERAL MILLS INC Com 370334104 78 1,325 SH   DFND 0 1,325 0 0
GENERAL MOTORS CO Com 37045V100 259 6,229 SH   SOLE 0 6,229 0 0
GLAXO SMITHKLINE PLC SP ADR Com 37733W105 349 9,473 SH   SOLE 0 9,473 0 0
GOLDMAN SACHS ACTIVEBETA INTL EQUITY ETF Com 381430107 12,838 402,456 SH   SOLE 0 399,763 0 2,693
GOLDMAN SACHS ACTIVEBETA US LGE CAP EQ ETF Com 381430503 6,710 88,650 SH   SOLE 0 88,650 0 0
JACK HENRY & ASSOCIATES INC Com 426281101 373 2,305 SH   SOLE 0 2,305 0 0
HOLOGIC INC Com 436440101 674 9,250 SH   SOLE 0 9,080 0 170
HOME DEPOT INC Com 437076102 12,239 46,077 SH   SOLE 0 45,527 0 550
HOME DEPOT INC Com 437076102 212 797 SH   DFND 0 675 0 122
HONEYWELL INTL INC Com 438516106 1,459 6,861 SH   SOLE 0 6,861 0 0
HONEYWELL INTL INC Com 438516106 128 600 SH   DFND 0 600 0 0
IDEXX LABORATORIES INC Com 45168D104 477 955 SH   SOLE 0 955 0 0
ILLINOIS TOOL WORKS INC Com 452308109 420 2,060 SH   SOLE 0 2,060 0 0
ILLINOIS TOOL WORKS INC Com 452308109 623 3,056 SH   DFND 0 3,000 0 56
INGERSOLL RAND INC Com 45687V106 84 1,843 SH   SOLE 0 1,843 0 0
INGERSOLL RAND INC Com 45687V106 182 4,000 SH   DFND 0 4,000 0 0
INTEL CORP Com 458140100 15,793 317,005 SH   SOLE 0 314,600 0 2,405
INTEL CORP Com 458140100 656 13,162 SH   DFND 0 12,695 0 467
INTERCONTINENTAL EXCHANGE INC Com 45866F104 579 5,022 SH   SOLE 0 5,022 0 0
INTERNATIONAL BUSINESS MACHINES CORP Com 459200101 730 5,802 SH   SOLE 0 5,802 0 0
INTERNATIONAL BUSINESS MACHINES CORP Com 459200101 25 200 SH   DFND 0 200 0 0
INVESCO QQQ TRUST SERIES 1 ETF Com 46090E103 660 2,105 SH   SOLE 0 2,105 0 0
INVESCO WATER RESOURCES ETF Com 46137V142 730 15,723 SH   SOLE 0 15,373 0 350
INVESCO WATER RESOURCES ETF Com 46137V142 23 500 SH   DFND 0 500 0 0
INVESCO CLEANTECH ETF Com 46137V407 662 8,807 SH   SOLE 0 8,487 0 320
INVESCO CLEANTECH ETF Com 46137V407 32 425 SH   DFND 0 425 0 0
INVESCO SOLAR ETF Com 46138G706 3,151 30,668 SH   SOLE 0 30,348 0 320
INVESCO SOLAR ETF Com 46138G706 51 500 SH   DFND 0 500 0 0
ISHARES CORE S&P TOTAL US STK MKT ETF Com 464287150 308 3,573 SH   SOLE 0 3,573 0 0
ISHARES SELECT DIVIDEND ETF Com 464287168 1,703 17,705 SH   SOLE 0 17,705 0 0
ISHARES CORE S&P 500 ETF Com 464287200 16,360 43,581 SH   SOLE 0 43,581 0 0
ISHARES CORE TOTAL AGGR US BOND ETF Com 464287226 387 3,275 SH   SOLE 0 3,275 0 0
ISHARES IBOXX INV GRADE CORP BD ETF Com 464287242 397 2,875 SH   SOLE 0 2,875 0 0
ISHARES MSCI EAFE INDEX ETF Com 464287465 3,219 44,118 SH   SOLE 0 44,118 0 0
ISHARES MSCI EAFE INDEX ETF Com 464287465 80 1,100 SH   DFND 0 1,100 0 0
ISHARES CORE S&P MIDCAP ETF Com 464287507 1,712 7,447 SH   SOLE 0 7,447 0 0
ISHARES RUSSELL 1000 GROWTH ETF Com 464287614 433 1,796 SH   SOLE 0 1,796 0 0
ISHARES RUSSELL 2000 ETF Com 464287655 310 1,583 SH   SOLE 0 1,583 0 0
ISHARES RUSSELL 3000 ETF Com 464287689 1,601 7,160 SH   SOLE 0 7,160 0 0
ISHARES CORE S&P SMALL CAP ETF Com 464287804 814 8,857 SH   SOLE 0 8,857 0 0
ISHARES MSCI KLD 400 SOCIAL ETF Com 464288570 133 1,864 SH   SOLE 0 1,864 0 0
ISHARES MSCI KLD 400 SOCIAL ETF Com 464288570 86 1,200 SH   DFND 0 1,200 0 0
ISHARES MSCI EAFE GROWTH ETF Com 464288885 247 2,444 SH   SOLE 0 2,444 0 0
ISHARES MSCI EAFE MIN VOL FACTOR ETF Com 46429B689 2,626 35,776 SH   SOLE 0 35,776 0 0
ISHARES EDGE MSCI MIN VOL USA ETF Com 46429B697 291 4,286 SH   SOLE 0 4,286 0 0
ISHARES EDGE MSCI USA QUAL FACT ETF Com 46432F339 3,933 33,845 SH   SOLE 0 33,845 0 0
ISHARES EDGE MSCI USA VAL WT IDX ETF Com 46432F388 257 2,952 SH   SOLE 0 2,952 0 0
ISHARES CORE MSCI EAFE ETF Com 46432F842 24,883 360,155 SH   SOLE 0 358,733 0 1,422
ISHARES CORE MSCI EAFE ETF Com 46432F842 78 1,132 SH   DFND 0 350 0 782
ISHARES ESG AWARE MSCI EM ETF Com 46434G863 6,389 152,193 SH   SOLE 0 152,193 0 0
ISHARES EDGE MSCI MULT FACT USA ETF Com 46434V282 242 6,425 SH   SOLE 0 6,425 0 0
ISHARES CORE DIVIDEND GROWTH ETF Com 46434V621 20,188 450,418 SH   SOLE 0 449,418 0 1,000
ITRON INC Com 465741106 653 6,805 SH   SOLE 0 6,675 0 130
JP MORGAN CHASE & CO Com 46625H100 10,588 83,328 SH   SOLE 0 82,861 0 467
JP MORGAN CHASE & CO Com 46625H100 98 771 SH   DFND 0 695 0 76
JOHNSON & JOHNSON CO Com 478160104 9,826 62,437 SH   SOLE 0 62,062 0 375
JOHNSON & JOHNSON CO Com 478160104 662 4,208 SH   DFND 0 3,508 0 700
KELLOGG CO Com 487836108 333 5,355 SH   SOLE 0 5,355 0 0
KEYCORP NEW Com 493267108 981 59,756 SH   SOLE 0 59,476 0 280
KIMBERLY-CLARK CORP Com 494368103 6,692 49,630 SH   SOLE 0 49,630 0 0
KIMBERLY-CLARK CORP Com 494368103 305 2,260 SH   DFND 0 2,200 0 60
KROGER CO Com 501044101 7,103 223,632 SH   SOLE 0 220,917 0 2,715
ELI LILLY & CO Com 532457108 584 3,459 SH   SOLE 0 3,459 0 0
ELI LILLY & CO Com 532457108 112 664 SH   DFND 0 664 0 0
LINCOLN ELECTRIC HOLDINGS Com 533900106 6,160 52,992 SH   SOLE 0 52,515 0 477
LOWES COMPANIES INC Com 548661107 8,826 54,986 SH   SOLE 0 54,986 0 0
MSA SAFETY INC Com 553498106 645 4,318 SH   SOLE 0 4,318 0 0
MARKEL CORP Com 570535104 320 310 SH   SOLE 0 310 0 0
MARRIOTT INTERNATIONAL INC Com 571903202 740 5,608 SH   SOLE 0 5,608 0 0
MASTERCARD INC CL A Com 57636Q104 1,894 5,305 SH   SOLE 0 4,935 0 370
MASTERCARD INC CL A Com 57636Q104 36 100 SH   DFND 0 100 0 0
MCDONALDS CORP Com 580135101 795 3,706 SH   SOLE 0 3,706 0 0
MCDONALDS CORP Com 580135101 186 865 SH   DFND 0 865 0 0
MEDICAL PROPERTIES TRUST INC Com 58463J304 354 16,233 SH   SOLE 0 15,969 0 264
MERCK & CO INC Com 58933Y105 7,195 87,957 SH   SOLE 0 87,898 0 59
MERCK & CO INC Com 58933Y105 181 2,207 SH   DFND 0 1,850 0 357
METLIFE INC Com 59156R108 4,105 87,433 SH   SOLE 0 87,433 0 0
MICROSOFT CORP Com 594918104 34,582 155,481 SH   SOLE 0 154,052 0 1,429
MICROSOFT CORP Com 594918104 1,137 5,113 SH   DFND 0 4,979 0 134
MONDELEZ INTERNATIONAL INC A Com 609207105 594 10,151 SH   SOLE 0 10,151 0 0
MONDELEZ INTERNATIONAL INC A Com 609207105 47 800 SH   DFND 0 800 0 0
MORGAN STANLEY Com 617446448 236 3,448 SH   SOLE 0 3,448 0 0
NASDAQ INC Com 631103108 235 1,767 SH   SOLE 0 1,767 0 0
NASDAQ INC Com 631103108 80 600 SH   DFND 0 600 0 0
NEXTERA ENERGY INC Com 65339F101 4,155 53,857 SH   SOLE 0 53,857 0 0
NICE LTD SPON ADR Com 653656108 278 980 SH   SOLE 0 980 0 0
NIKE INC CLASS B Com 654106103 3,612 25,535 SH   SOLE 0 25,535 0 0
NORFOLK SOUTHERN CORP Com 655844108 325 1,369 SH   SOLE 0 1,369 0 0
NORFOLK SOUTHERN CORP Com 655844108 24 100 SH   DFND 0 100 0 0
NOVARTIS AG ADR Com 66987V109 4,719 49,977 SH   SOLE 0 48,977 0 1,000
NOVARTIS AG ADR Com 66987V109 136 1,440 SH   DFND 0 1,133 0 307
NUANCE COMMUNICATIONS INC Com 67020Y100 413 9,358 SH   SOLE 0 8,878 0 480
NVIDIA CORP Com 67066G104 265 508 SH   SOLE 0 508 0 0
NUVEEN MUNI VALUE FDS INC Com 670928100 22 2,000 SH   SOLE 0 2,000 0 0
NUVEEN MUNI VALUE FDS INC Com 670928100 431 38,870 SH   DFND 0 38,870 0 0
ORACLE CORPORATION Com 68389X105 11,207 173,244 SH   SOLE 0 172,047 0 1,197
ORACLE CORPORATION Com 68389X105 25 389 SH   DFND 0 250 0 139
PPG INDUSTRIES Com 693506107 182 1,265 SH   SOLE 0 1,265 0 0
PPG INDUSTRIES Com 693506107 50 350 SH   DFND 0 350 0 0
PPL CORP Com 69351T106 336 11,910 SH   SOLE 0 11,910 0 0
PPL CORP Com 69351T106 31 1,100 SH   DFND 0 1,100 0 0
PEPSICO INC Com 713448108 7,971 53,752 SH   SOLE 0 53,752 0 0
PEPSICO INC Com 713448108 645 4,348 SH   DFND 0 4,299 0 49
PFIZER INC Com 717081103 12,494 339,413 SH   SOLE 0 337,195 0 2,218
PFIZER INC Com 717081103 603 16,392 SH   DFND 0 16,392 0 0
PHILIP MORRIS INTERNATIONAL INC Com 718172109 1,131 13,661 SH   SOLE 0 13,661 0 0
PROCTER & GAMBLE CO Com 742718109 10,682 76,769 SH   SOLE 0 76,569 0 200
PROCTER & GAMBLE CO Com 742718109 672 4,832 SH   DFND 0 3,760 0 1,072
PUBLIC SERVICE ENTERPRISE GROUP Com 744573106 11,643 199,716 SH   SOLE 0 198,060 0 1,656
QUALCOMM Com 747525103 195 1,278 SH   SOLE 0 1,278 0 0
QUALCOMM Com 747525103 23 150 SH   DFND 0 150 0 0
RAYTHEON TECHNOLOGIES CORP Com 75513E101 1,472 20,589 SH   SOLE 0 20,589 0 0
RAYTHEON TECHNOLOGIES CORP Com 75513E101 29 400 SH   DFND 0 400 0 0
REGENERON PHARMACEUTICALS INC Com 75886F107 3,658 7,572 SH   SOLE 0 7,501 0 71
ROPER TECHNOLOGIES, INC Com 776696106 403 935 SH   SOLE 0 935 0 0
ROYAL DUTCH SHELL PLC ADR A Com 780259206 143 4,065 SH   SOLE 0 4,065 0 0
ROYAL DUTCH SHELL PLC ADR A Com 780259206 158 4,483 SH   DFND 0 4,483 0 0
SPDR S&P500 ETF Com 78462F103 5,753 15,388 SH   SOLE 0 15,388 0 0
SPDR GOLD SHARES ETF Com 78463V107 285 1,600 SH   SOLE 0 1,600 0 0
SPDR S&P DIVIDEND ETF Com 78464A763 4,455 42,055 SH   SOLE 0 42,055 0 0
SPDR S&P MIDCAP 400 ETF TRUST Com 78467Y107 239 569 SH   SOLE 0 569 0 0
SALESFORCE.COM INC Com 79466L302 297 1,334 SH   SOLE 0 1,334 0 0
SANOFI ADR Com 80105N105 3,299 67,887 SH   SOLE 0 67,887 0 0
SANOFI ADR Com 80105N105 33 671 SH   DFND 0 671 0 0
CHARLES SCHWAB CORP Com 808513105 8,669 163,441 SH   SOLE 0 162,391 0 1,050
CHARLES SCHWAB CORP Com 808513105 45 845 SH   DFND 0 0 0 845
SCHWAB US MID CAP ETF Com 808524508 445 6,522 SH   SOLE 0 6,522 0 0
SCHWAB US SMALL CAP ETF Com 808524607 315 3,538 SH   SOLE 0 3,538 0 0
SCHWAB EMERGING MKTS EQUITY ETF Com 808524706 307 10,000 SH   SOLE 0 10,000 0 0
MATERIALS SELECT SECTOR SPDR ETF Com 81369Y100 267 3,690 SH   SOLE 0 3,690 0 0
HEALTH CARE SEL SECT SPDR ETF Com 81369Y209 1,912 16,855 SH   SOLE 0 16,855 0 0
CONSUMER STAPLES SELECT SECTOR SPDR ETF Com 81369Y308 12,498 185,295 SH   SOLE 0 183,500 0 1,795
CONSUMER STAPLES SELECT SECTOR SPDR ETF Com 81369Y308 84 1,240 SH   DFND 0 1,200 0 40
CONSUMER DISC SELECT SECTOR SPDR ETF Com 81369Y407 3,643 22,659 SH   SOLE 0 22,659 0 0
CONSUMER DISC SELECT SECTOR SPDR ETF Com 81369Y407 32 200 SH   DFND 0 200 0 0
FINANCIAL SELECT SECTOR SPDR ETF Com 81369Y605 5,232 177,486 SH   SOLE 0 177,486 0 0
INDUSTRIAL SELECT SECTOR SPDR ETF Com 81369Y704 708 7,996 SH   SOLE 0 7,996 0 0
TECHNOLOGY SELECT SECT SPDR ETF Com 81369Y803 4,264 32,798 SH   SOLE 0 32,798 0 0
SEMPRA ENERGY Com 816851109 357 2,800 SH   SOLE 0 2,800 0 0
SEMPRA ENERGY Com 816851109 25 200 SH   DFND 0 200 0 0
SKYWORKS SOLUTIONS INC Com 83088M102 5,075 33,197 SH   SOLE 0 32,777 0 420
SKYWORKS SOLUTIONS INC Com 83088M102 4 28 SH   DFND 0 0 0 28
SPROTT PHYSICAL GOLD TRUST ETF Com 85207H104 183 12,131 SH   SOLE 0 12,131 0 0
STARBUCKS CORP Com 855244109 8,030 75,057 SH   SOLE 0 74,660 0 397
STARBUCKS CORP Com 855244109 50 471 SH   DFND 0 400 0 71
STRYKER CORP Com 863667101 5,744 23,440 SH   SOLE 0 23,240 0 200
SYSCO CORPORATION Com 871829107 77 1,034 SH   SOLE 0 1,034 0 0
SYSCO CORPORATION Com 871829107 297 4,000 SH   DFND 0 4,000 0 0
TJX COMPANIES INC Com 872540109 8,973 131,399 SH   SOLE 0 128,633 0 2,766
TJX COMPANIES INC Com 872540109 42 610 SH   DFND 0 0 0 610
TAIWAN SEMICONDUCTOR MANUFACTURING ADR Com 874039100 507 4,650 SH   SOLE 0 4,650 0 0
TAIWAN SEMICONDUCTOR MANUFACTURING ADR Com 874039100 109 1,000 SH   DFND 0 1,000 0 0
TARGET CORP Com 87612E106 8,482 48,046 SH   SOLE 0 48,046 0 0
TARGET CORP Com 87612E106 313 1,775 SH   DFND 0 1,775 0 0
TETRA TECH INC Com 88162G103 441 3,808 SH   SOLE 0 3,808 0 0
TEXAS INSTRUMENTS INC Com 882508104 7,274 44,318 SH   SOLE 0 44,318 0 0
TEXAS INSTRUMENTS INC Com 882508104 159 970 SH   DFND 0 970 0 0
THERMO FISHER SCIENTIFIC Com 883556102 1,642 3,525 SH   SOLE 0 3,525 0 0
3M CO Com 88579Y101 1,981 11,335 SH   SOLE 0 11,335 0 0
3M CO Com 88579Y101 26 150 SH   DFND 0 150 0 0
TRAVELERS COS INC Com 89417E109 425 3,031 SH   SOLE 0 3,031 0 0
TRUIST FINANCIAL CORP Com 89832Q109 12,186 254,237 SH   SOLE 0 253,590 0 647
TRUIST FINANCIAL CORP Com 89832Q109 208 4,331 SH   DFND 0 4,172 0 159
UNILEVER PLC SPON ADR Com 904767704 526 8,710 SH   SOLE 0 8,710 0 0
UNION PACIFIC CORP Com 907818108 2,007 9,637 SH   SOLE 0 9,637 0 0
UNION PACIFIC CORP Com 907818108 187 900 SH   DFND 0 900 0 0
UNITED PARCEL SERVICE INC Com 911312106 301 1,786 SH   SOLE 0 1,786 0 0
UNITED PARCEL SERVICE INC Com 911312106 118 700 SH   DFND 0 700 0 0
UNITEDHEALTH GROUP INC Com 91324P102 9,153 26,100 SH   SOLE 0 25,713 0 387
UNITEDHEALTH GROUP INC Com 91324P102 45 129 SH   DFND 0 0 0 129
VANECK VECTORS LOW CARBON ENERGY ETF Com 92189F502 544 3,289 SH   SOLE 0 3,289 0 0
VANGUARD DIVIDEND APPREC ETF Com 921908844 10,110 71,615 SH   SOLE 0 71,615 0 0
VANGUARD ESG INTL STOCK ETF Com 921910725 970 16,363 SH   SOLE 0 16,206 0 157
VANGUARD FTSE DEV MKT ETF Com 921943858 229 4,841 SH   SOLE 0 4,841 0 0
VANGUARD HIGH DIVIDEND YIELD ETF Com 921946406 1,919 20,970 SH   SOLE 0 20,970 0 0
VANGUARD SHORT TERM TIPS ETF Com 922020805 2,913 57,002 SH   SOLE 0 57,002 0 0
VANGUARD FTSE EMERGING MARKETS ETF Com 922042858 254 5,076 SH   SOLE 0 5,076 0 0
VANGUARD FTSE EMERGING MARKETS ETF Com 922042858 10 200 SH   DFND 0 200 0 0
VANGUARD FTSE PACIFIC ETF Com 922042866 4,909 61,684 SH   SOLE 0 61,684 0 0
VANGUARD FTSE PACIFIC ETF Com 922042866 7 83 SH   DFND 0 0 0 83
VANGUARD FTSE EUROPE ETF Com 922042874 5,521 91,644 SH   SOLE 0 91,644 0 0
VANGUARD FTSE EUROPE ETF Com 922042874 3 45 SH   DFND 0 0 0 45
VANGUARD FINANCIALS ETF Com 92204A405 280 3,840 SH   SOLE 0 3,840 0 0
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VANGUARD INDUSTRIALS ETF Com 92204A603 6,904 40,612 SH   SOLE 0 39,994 0 618
VANGUARD INDUSTRIALS ETF Com 92204A603 8 46 SH   DFND 0 0 0 46
VANGUARD INFO TECH ETF Com 92204A702 1,091 3,084 SH   SOLE 0 3,084 0 0
VANGUARD MID CAP VALUE ETF Com 922908512 8,550 71,872 SH   SOLE 0 71,131 0 741
VANGUARD MID CAP VALUE ETF Com 922908512 107 902 SH   DFND 0 652 0 250
VANGUARD MID CAP GROWTH ETF Com 922908538 6,022 28,395 SH   SOLE 0 27,981 0 414
VANGUARD MID CAP GROWTH ETF Com 922908538 131 617 SH   DFND 0 485 0 132
VANGUARD REIT INDEX ETF Com 922908553 2,210 26,016 SH   SOLE 0 25,761 0 255
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VANGUARD MID CAP ETF Com 922908629 296 1,433 SH   SOLE 0 1,433 0 0
VANGUARD LARGE CAP ETF Com 922908637 13,857 78,848 SH   SOLE 0 78,848 0 0
VANGUARD GROWTH ETF Com 922908736 228 900 SH   SOLE 0 900 0 0
VANGUARD TOTAL STOCK MKT ETF Com 922908769 13,817 70,987 SH   SOLE 0 70,987 0 0
VERIZON COMMUNICATIONS Com 92343V104 6,116 104,097 SH   SOLE 0 104,097 0 0
VERIZON COMMUNICATIONS Com 92343V104 443 7,533 SH   DFND 0 7,533 0 0
VISA INC Com 92826C839 13,072 59,763 SH   SOLE 0 59,413 0 350
VISA INC Com 92826C839 170 779 SH   DFND 0 700 0 79
WALMART STORES INC Com 931142103 2,153 14,934 SH   SOLE 0 14,934 0 0
WALMART STORES INC Com 931142103 251 1,739 SH   DFND 0 1,700 0 39
WASTE MANAGEMENT Com 94106L109 277 2,346 SH   SOLE 0 2,346 0 0
WATERS CORP Com 941848103 356 1,437 SH   SOLE 0 1,407 0 30
WATTS WATER TECHNOLOGIES-A Com 942749102 761 6,250 SH   SOLE 0 6,140 0 110
XYLEM INC Com 98419M100 643 6,319 SH   SOLE 0 6,234 0 85
ACCENTURE PLC Com G1151C101 9,821 37,597 SH   SOLE 0 37,058 0 539
EATON CORP PLC Com G29183103 7,041 58,605 SH   SOLE 0 57,872 0 733
EATON CORP PLC Com G29183103 101 837 SH   DFND 0 837 0 0
JOHNSON CONTROLS INTERNATIONAL PLC Com G51502105 2,675 57,407 SH   SOLE 0 57,257 0 150
LINDE PLC Com G5494J103 727 2,759 SH   SOLE 0 2,759 0 0
LINDE PLC Com G5494J103 59 225 SH   DFND 0 225 0 0
MEDTRONIC PLC Com G5960L103 8,969 76,569 SH   SOLE 0 75,974 0 595
MEDTRONIC PLC Com G5960L103 17 143 SH   DFND 0 0 0 143
SENSATA TECHNOLOGIES HOLDING PLC Com G8060N102 315 5,973 SH   SOLE 0 5,823 0 150
TRANE TECHNOLOGIES PUBLIC LTD CO Com G8994E103 317 2,187 SH   SOLE 0 2,187 0 0
TRANE TECHNOLOGIES PUBLIC LTD CO Com G8994E103 726 5,000 SH   DFND 0 5,000 0 0