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
3M COMPANY COM 88579Y101 9,080 51,119 SH   DFND   39,812 0 11,307
ABBOTT LABS COM 002824100 12,639 89,806 SH   DFND   82,831 0 6,975
ABBVIE INC. COM 00287Y109 13,489 99,620 SH   DFND   81,138 0 18,482
ACCENTURE LTD SHS CLASS A G1151C101 314,264 758,085 SH   DFND   643,780 452 113,853
ADOBE SYSTEMS COM 00724F101 1,436 2,533 SH   DFND   1,788 0 745
AFLAC COM 001055102 1,678 28,738 SH   DFND   25,028 0 3,710
AGILENT TECHNOLOGIES INC COM COM 00846U101 212 1,331 SH   DFND   36 0 1,295
AIR PRODUCTS & CHEMICALS INC COM 009158106 122,294 401,940 SH   DFND   356,421 207 45,312
ALLSTATE CORP COM 020002101 333 2,834 SH   DFND   2,834 0 0
ALPHABET INC - CL A CAP STK CL A 02079K305 8,370 2,889 SH   DFND   2,745 0 144
ALPHABET INC CL C CAP STK CL C 02079K107 11,210 3,874 SH   DFND   3,731 0 143
ALTRIA GROUP INC COM COM 02209S103 3,628 76,550 SH   DFND   76,028 0 522
AMAZON.COM INC COM 023135106 10,453 3,135 SH   DFND   2,316 0 819
AMERICAN ELECTRIC POWER COM 025537101 12,577 141,365 SH   DFND   139,497 0 1,868
AMERICAN EXPRESS CO COM 025816109 3,412 20,855 SH   DFND   18,120 0 2,735
AMERICAN TOWER CORP COM 03027X100 62,705 214,376 SH   DFND   212,824 301 1,251
AMERICAN WTR WK COM 030420103 728 3,856 SH   DFND   1,575 0 2,281
AMETEK INC COM 031100100 436 2,966 SH   DFND   2,966 0 0
AMGEN INC COM 031162100 10,433 46,375 SH   DFND   44,360 0 2,015
ANALOG DEVICES COM 032654105 383 2,179 SH   DFND   2,179 0 0
ANTHEM INC COM 036752103 1,736 3,746 SH   DFND   3,746 0 0
AON PLC SHS CL A G0403H108 870 2,896 SH   DFND   2,896 0 0
APPLE INC COM 037833100 481,128 2,709,510 SH   DFND   2,379,430 1,904 328,176
APPLIED MATLS INC COM 038222105 215 1,368 SH   DFND   933 0 435
ARK INNOVATION ETF INNOVATION ETF 00214Q104 222 2,352 SH   DFND   2,352 0 0
ASTRA ZENECA PLC ADR SPONSORED ADR 046353108 281 4,816 SH   DFND   4,816 0 0
AT&T INC COM 00206R102 3,178 129,205 SH   DFND   112,054 0 17,151
AUTODESK INC COM 052769106 284 1,009 SH   DFND   431 0 578
AUTOMATIC DATA PROCESSING COM 053015103 75,252 305,184 SH   DFND   299,730 240 5,214
BANK NEW YORK MELLON CORP COM 064058100 557 9,595 SH   DFND   9,091 0 504
BANK OF AMERICA COM 060505104 333 7,494 SH   DFND   4,394 0 3,100
BAXTER INTL INC COM 071813109 152,008 1,770,825 SH   DFND   1,565,190 1,058 204,577
BECTON DICKINSON COM 075887109 130,812 520,169 SH   DFND   446,528 403 73,238
BERKSHIRE HATHAWAY INC DEL CL A 084670108 22,533 50 SH   DFND   50 0 0
BERKSHIRE HATHAWAY INC DEL CL B CL B NEW 084670702 8,493 28,404 SH   DFND   23,444 0 4,960
BLACK KNIGHT INC COM 09215C105 251 3,023 SH   DFND   3,023 0 0
BLACKROCK INC COM 09247X101 286,352 312,761 SH   DFND   273,473 164 39,124
BOEING CO COM 097023105 1,095 5,438 SH   DFND   4,418 0 1,020
BOOKING HOLDINGS INC. COM 09857L108 355 148 SH   DFND   148 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 5,186 83,178 SH   DFND   74,056 0 9,122
BROADCOM LTD COM 11135F101 288 433 SH   DFND   433 0 0
BROWN-FORMAN CORP CL B 115637209 360 4,946 SH   DFND   4,946 0 0
CACI INTERNATIONAL, INC CL A 127190304 291 1,080 SH   DFND   0 0 1,080
CANADIAN NATL RAILWAY CO COM 136375102 530 4,310 SH   DFND   4,310 0 0
CANADIAN PACIFIC RAILWAY LTD COM 13645T100 1,390 19,324 SH   DFND   19,324 0 0
CARMAX COM 143130102 248 1,905 SH   DFND   1,905 0 0
CATERPILLAR INC COM 149123101 1,192 5,765 SH   DFND   5,350 0 415
CELANESE CORPORATION COM 150870103 249 1,480 SH   DFND   1,480 0 0
CHEMOURS COMPANY COM 163851108 2,136 63,661 SH   DFND   63,661 0 0
CHEVRON CORPORATION COM 166764100 66,649 567,953 SH   DFND   556,214 364 11,375
CHUBB LTD COM H1467J104 2,218 11,476 SH   DFND   11,381 0 95
CHURCH & DWIGHT CO COM 171340102 1,709 16,677 SH   DFND   16,677 0 0
CIGNA CORP COM 125523100 820 3,571 SH   DFND   3,571 0 0
CINCINNATI FINANCIAL CORP COM 172062101 799 7,017 SH   DFND   7,017 0 0
CINTAS CORP COM 172908105 310 699 SH   DFND   544 0 155
CISCO SYS INC COM 17275R102 82,644 1,304,154 SH   DFND   1,295,403 944 7,807
CLOROX CO COM 189054109 712 4,082 SH   DFND   3,592 0 490
CME GROUP INC. COM CL A 12572Q105 240 1,050 SH   DFND   1,050 0 0
COCA-COLA CO COM 191216100 84,932 1,434,418 SH   DFND   1,229,795 385 204,238
COGNIZANT TECH SOLUTIONS - A CL A 192446102 292 3,291 SH   DFND   2,501 160 630
COLGATE-PALMOLIVE CO COM 194162103 4,752 55,689 SH   DFND   44,889 0 10,800
COMCAST CORP NEW COM CL A CL A 20030N101 140,494 2,791,464 SH   DFND   2,372,034 1,387 418,043
COMM SERV SELECT SECTOR SPDR COMMUNICATION 81369Y852 983 12,650 SH   DFND   12,619 0 31
CONOCOPHILLIPS COM 20825C104 1,649 22,839 SH   DFND   21,070 0 1,769
CONSOLIDATED EDISON INC COM 209115104 742 8,702 SH   DFND   8,702 0 0
CONSTELLATION BRANDS INC CL A 21036P108 1,155 4,601 SH   DFND   4,601 0 0
CONSUMER DISCRETIONARY SELECT SBI CONS DISCR 81369Y407 342 1,673 SH   DFND   1,646 0 27
COPART, INC COM 217204106 629 4,148 SH   DFND   4,148 0 0
CORTEVA INC COM 22052L104 6,111 129,250 SH   DFND   128,590 0 660
COSTCO WHSL CORP NEW COM COM 22160K105 145,009 255,432 SH   DFND   226,058 238 29,136
CUMMINS INC COM 231021106 456 2,092 SH   DFND   1,752 0 340
CVS HEALTH CORPORATION COM 126650100 253,495 2,457,302 SH   DFND   2,185,562 1,364 270,376
DANAHER CORP COM 235851102 4,754 14,450 SH   DFND   14,450 0 0
DEERE & CO. COM 244199105 1,197 3,490 SH   DFND   3,199 0 291
DEVON ENERGY CORP NEW COM COM 25179M103 201 4,567 SH   DFND   4,567 0 0
DIAGEO PLC - SPONSORED ADR SPON ADR NEW 25243Q205 7,109 32,295 SH   DFND   32,295 0 0
DIGITAL REALTY TRUST COM 253868103 320 1,812 SH   DFND   1,812 0 0
DIMENSIONSAL U.S. CORE EQUITY 2 ETF US CORE EQUITY 2 25434V708 281 9,708 SH   DFND   9,708 0 0
DISNEY WALT PRODUCTIONS COM DISNEY 254687106 53,751 347,026 SH   DFND   271,120 179 75,727
DOLLAR GENERAL CORP COM 256677105 191,067 810,191 SH   DFND   717,868 537 91,786
DOMINION ENERGY INC COM 25746U109 1,284 16,345 SH   DFND   16,345 0 0
DOVER CORP COM 260003108 545 3,001 SH   DFND   3,001 0 0
DOW INC COM 260557103 28,289 498,757 SH   DFND   497,260 0 1,497
DUKE ENERGY CORP COM NEW 26441C204 1,035 9,871 SH   DFND   9,671 0 200
DUPONT DE NEMOURS INC COM 26614N102 171,742 2,126,042 SH   DFND   1,913,846 1,187 211,009
EATON CORP, PLC SHS G29183103 14,546 84,166 SH   DFND   83,821 0 345
ECOLAB INC COM 278865100 104,907 447,194 SH   DFND   398,763 335 48,096
EMERSON ELECTRIC CO COM 291011104 4,465 48,031 SH   DFND   41,028 0 7,003
ENERGY TRANSFER COM UT LTD PTN 29273V100 830 100,874 SH   DFND   98,544 0 2,330
ENTERPRISE PRODUCTS PARTNERS COM 293792107 1,929 87,854 SH   DFND   79,584 0 8,270
EOG RESOURCES INC COM 26875P101 325 3,662 SH   DFND   73 0 3,589
ESSENTIAL UTILITIES INC COM 29670G102 2,144 39,927 SH   DFND   36,195 0 3,732
ESTEE LAUDER COS INC CL A CL A 518439104 1,008 2,722 SH   DFND   2,722 0 0
EXELON CORP COM 30161N101 815 14,118 SH   DFND   14,118 0 0
EXXON MOBIL CORP COM 30231G102 8,931 145,952 SH   DFND   137,795 0 8,157
FACTSET RESEARCH COM 303075105 355 731 SH   DFND   731 0 0
FASTENAL COMPANY COM 311900104 569 8,888 SH   DFND   8,888 0 0
FEDEX CORP COM 31428X106 1,011 3,910 SH   DFND   3,337 0 573
FIDELITY NATIONAL INFO SVCS COM 31620M106 976 8,941 SH   DFND   8,941 0 0
FISERV INC COM 337738108 393 3,782 SH   DFND   504 219 3,059
FLEETCOR TECHNOLOGIES INC. COM 339041105 448 2,003 SH   DFND   2,003 0 0
FNF GROUP FNF GROUP COM 31620R303 469 8,990 SH   DFND   8,990 0 0
FORTUNE BRANDS HOME & SECURITY INC COM 34964C106 225 2,101 SH   DFND   2,101 0 0
GENERAL ELECTRIC COM NEW 369604301 280 2,963 SH   DFND   2,963 0 0
GENERAL MILLS INC COM 370334104 886 13,143 SH   DFND   13,143 0 0
GENTEX CORP COM 371901109 295 8,471 SH   DFND   8,471 0 0
GENUINE PARTS CO COM 372460105 60,142 428,972 SH   DFND   426,130 476 2,366
GILEAD SCIENCES INC COM 375558103 12,490 172,015 SH   DFND   162,014 0 10,001
GLATFELTER CORP COM 377320106 1,826 106,145 SH   DFND   106,145 0 0
GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 5,908 133,974 SH   DFND   57,981 0 75,993
GOLDMAN SACHS ACCESS INV GRADE CORP BOND ETF ACCESS INVT GR 381430479 3,268 60,424 SH   DFND   60,424 0 0
GOLDMAN SACHS ACTIVEBETA EMERGING MARKETS ACTIVEBETA EME 381430206 73,399 1,983,226 SH   DFND   1,946,853 1,305 35,068
GOLDMAN SACHS ACTIVEBETA INTERNATIONAL EQUITY ETF ACTIVEBETA INT 381430107 3,305 93,715 SH   DFND   93,715 0 0
GOLDMAN SACHS GROUP INC COM COM 38141G104 283 740 SH   DFND   380 0 360
GOLDMAN SACHS TREAS ACC ETF ACCES TREASURY 381430529 1,149 11,490 SH   DFND   10,716 0 774
HANOVER FOODS CORP - CL A COM 41078W100 418 7,333 SH   DFND   7,333 0 0
HOME DEPOT INC COM 437076102 47,781 115,131 SH   DFND   113,637 0 1,494
HONEYWELL INTERNATIONAL, INC. COM 438516106 164,252 787,741 SH   DFND   700,851 535 86,355
HUBBELL INC COM 443510607 250 1,200 SH   DFND   1,200 0 0
HUMANA INC COM 444859102 242 522 SH   DFND   177 0 345
IISHARES CORE S&P TOTAL US CORE S&P TTL STK 464287150 200 1,871 SH   DFND   1,871 0 0
ILLINOIS TOOL WKS INC COM 452308109 5,096 20,649 SH   DFND   20,450 199 0
INTEL CORP COM 458140100 7,844 152,317 SH   DFND   151,347 0 970
INTERCONTINENTAL EXCHANGE COM 45866F104 89,283 652,798 SH   DFND   601,253 610 50,935
INTERNATIONAL BUSINESS MACHINES COM 459200101 1,807 13,519 SH   DFND   13,400 0 119
INTERNATIONAL PAPER CO COM 460146103 216 4,601 SH   DFND   4,601 0 0
INTL FLAVORS & FRAGRANCES COM 459506101 2,555 16,963 SH   DFND   16,963 0 0
INTUIT INC COM 461202103 936 1,455 SH   DFND   1,455 0 0
INVESCO QQQ TRUST SERIES 1 UNIT SER 1 46090E103 14,079 35,387 SH   DFND   35,123 0 264
INVESCO S&P 500 EQUAL WEIGHT S&P500 EQL TEC 46137V282 356 1,100 SH   DFND   1,100 0 0
INVESCO S&P 500 EQUAL WEIGHT ETF S&P500 EQL WGT 46137V357 16,795 103,195 SH   DFND   101,225 0 1,970
INVESCO TAXABLE MUNICIPAL BOND PORTFOLIO TAXABLE MUN BD 46138G805 18,999 576,411 SH   DFND   568,703 1,827 5,881
ISHARES 0-5 YEAR TIPS BOND ETF 0-5 YR TIPS ETF 46429B747 11,183 105,616 SH   DFND   105,616 0 0
ISHARES BARCLAYS 7-10 YEAR TREASURY BOND FUND 7-10 Y TR BD ETF 464287440 19,858 172,678 SH   DFND   169,789 443 2,446
ISHARES BARCLAYS INTERMEDIATE GOVERNMENT/CREDIT BO INTRM GOV/CR ETF 464288612 548 4,816 SH   DFND   4,816 0 0
ISHARES BARCLAYS MBS BOND FUND MBS ETF 464288588 101,993 949,394 SH   DFND   935,925 657 12,812
ISHARES CORE DIVIDEND GROWTH ETF CORE DIV GRWTH 46434V621 1,976 35,557 SH   DFND   33,557 0 2,000
ISHARES CORE MSCI ACMI CORE MSCI TOTAL 46432F834 1,486 20,954 SH   DFND   20,954 0 0
ISHARES CORE MSCI EAFE ETF CORE MSCI EAFE 46432F842 163,591 2,191,738 SH   DFND   2,083,232 2,162 106,344
ISHARES CORE MSCI EMERGING MARKETS ETF CORE MSCI EMKT 46434G103 335,959 5,612,407 SH   DFND   5,456,228 6,448 149,732
ISHARES CORE S&P 500 ETF CORE S&P ETF 464287200 148,694 311,735 SH   DFND   309,338 171 2,226
ISHARES CORE S&P MID-CAP ETF CORE S&P MCP ETF 464287507 108,317 382,639 SH   DFND   374,425 449 7,765
ISHARES CORE S&P SMALL-CAP ETF CORE S&P SCP ETF 464287804 231,153 2,018,629 SH   DFND   1,967,913 2,109 48,607
ISHARES CORE TOTAL U.S. BOND MARKET ETF CORE US AGGBD ET 464287226 11,397 99,906 SH   DFND   99,906 0 0
ISHARES DJ SELECT DIVIDEND INDEX FUND SELECT DIVID ETF 464287168 2,977 24,288 SH   DFND   24,288 0 0
ISHARES DJ US HEALTH CARE SECTOR INDEX FUND US HLTHCARE ETF 464287762 229 763 SH   DFND   763 0 0
ISHARES DJ US TECHNOLOGY SECTOR INDEX FUND U.S. TECH ETF 464287721 1,270 11,065 SH   DFND   11,065 0 0
ISHARES DOW JONES INTERNATIONAL SELECT DIVIDEND IN INTL SEL DIV ETF 464288448 515 16,528 SH   DFND   16,528 0 0
ISHARES EDGE MSCI USA MOMENT MSCI USA MMENTM 46432F396 3,347 18,411 SH   DFND   18,411 0 0
ISHARES ESG MSCI USA SMALL- CAP ESG AWARE MSCI 46435U663 911 22,598 SH   DFND   22,598 0 0
ISHARES FLOATING RATE BOND E FLTG RATE NT ETF 46429B655 1,921 37,875 SH   DFND   37,875 0 0
iSHARES GLOBAL TECH ETF GLOBAL TECH ETF 464287291 318 4,932 SH   DFND   4,932 0 0
ISHARES IBOXX $ INVESTOP INVESTMENT GRADE BOND FUN IBOXX INV CP ETF 464287242 594 4,484 SH   DFND   4,484 0 0
ISHARES IBOXX HIGH YIELD CORPORATE BOND ETF IBOXX HI YD ETF 464288513 437 5,023 SH   DFND   5,023 0 0
ISHARES INTERMEDIATE TERM CORP BOND ETF INTERM CR BD ETF 464288638 44,311 747,617 SH   DFND   735,920 768 10,929
ISHARES LONG TERM CORP BOND ETF 10+ YR CR BD ETF 464289511 272 3,910 SH   DFND   3,910 0 0
ISHARES MORNINGSTAR MID-CAP ETF MRGSTR MD CP ETF 464288208 463 6,517 SH   DFND   6,517 0 0
ISHARES MSC EAFE ESG ESG AW MSCI EAFE 46435G516 443 5,575 SH   DFND   5,575 0 0
ISHARES MSCI ACWI ETF MSCI ACWI ETF 464288257 1,533 14,494 SH   DFND   14,494 0 0
ISHARES MSCI EAFE GROWTH INDEX FUND EAFE GRWTH ETF 464288885 1,031 9,352 SH   DFND   2,948 0 6,404
ISHARES MSCI EAFE INDEX FUND MSCI EAFE ETF 464287465 1,112 14,133 SH   DFND   13,960 0 173
ISHARES MSCI EAFE VALUE INDEX FUND EAFE VALUE ETF 464288877 257 5,110 SH   DFND   0 0 5,110
ISHARES MSCI EM ESG OP ESG AWR MSCI EM 46434G863 961 24,165 SH   DFND   24,165 0 0
ISHARES MSCI EMERGING MARKETS INDEX FUND MSCI EMG MKT ETF 464287234 923 18,886 SH   DFND   17,886 0 1,000
ISHARES MSCI EMERGING MARKETS MINIMUM VOLATILITY I EM MK MINVOL ETF 464286533 1,728 27,500 SH   DFND   27,500 0 0
ISHARES MSCI USA MINIMUM VOL MSCI USA MIN VOL 46429B697 6,851 84,679 SH   DFND   711 0 83,968
ISHARES NATIONAL AMT-FREE MUNICIPAL BOND FUND NAT AMT FREE BD 464288414 609 5,240 SH   DFND   5,240 0 0
ISHARES NORTH AMERICAN TECH-SOFTWARE ETF EXPANDED TECH 464287515 427 1,075 SH   DFND   1,075 0 0
ISHARES RUSSELL 1000 GROWTH INDEX FUND RUS 1000 GRW ETF 464287614 17,919 58,637 SH   DFND   32,677 0 25,960
ISHARES RUSSELL 1000 INDEX FUND RUS 1000 ETF 464287622 436 1,649 SH   DFND   1,649 0 0
ISHARES RUSSELL 1000 VALUE INDEX FUND RUS 1000 VAL ETF 464287598 13,933 82,969 SH   DFND   34,108 0 48,861
ISHARES RUSSELL 2000 GROWTH INDEX FUND RUS 2000 GRW ETF 464287648 2,403 8,199 SH   DFND   5,764 0 2,435
ISHARES RUSSELL 2000 INDEX FUND RUSSELL 2000 ETF 464287655 2,637 11,853 SH   DFND   11,573 0 280
ISHARES RUSSELL 2000 VALUE INDEX FUND RUS 2000 VAL ETF 464287630 1,253 7,543 SH   DFND   600 0 6,943
ISHARES RUSSELL 3000 INDEX FUND RUSSELL 3000 ETF 464287689 389 1,400 SH   DFND   1,400 0 0
ISHARES RUSSELL MID CAP GROWTH INDEX FUND RUS MDCP VAL ETF 464287481 2,188 18,989 SH   DFND   18,989 0 0
ISHARES RUSSELL MID CAP INDEX FUND RUS MID-CAP ETF 464287499 1,337 16,101 SH   DFND   16,101 0 0
ISHARES RUSSELL MID CAP VALUE INDEX FUND RUS MDCP VAL ETF 464287473 739 6,040 SH   DFND   6,040 0 0
ISHARES S&P 500 GROWTH INDEX FUND S&P 500 GRWT ETF 464287309 3,358 40,132 SH   DFND   40,132 0 0
ISHARES S&P 500 VALUE ETF S&P 500 VAL ETF 464287408 330 2,108 SH   DFND   2,108 0 0
ISHARES S&P MID CAP 400 GROWTH INDEX FUND S&P MC 400GR ETF 464287606 266 3,117 SH   DFND   3,117 0 0
ISHARES S&P MID CAP 400 VALUE INDEX FUND S&P MC 400VL ETF 464287705 285 2,574 SH   DFND   2,574 0 0
ISHARES S&P SHORT TERM NATIONAL AMT-FREE MUNICIPAL SHRT NAT MUN ETF 464288158 1,095 10,198 SH   DFND   10,198 0 0
ISHARES S&P US PREFERRED STOCK INDEX FUND U.S. PFD STK ETF 464288687 1,580 40,070 SH   DFND   40,070 0 0
ISHARES SHORT MATURITY BOND SHT MAT BD ETF 46431W507 2,277 45,583 SH   DFND   45,583 0 0
ISHARES SHORT-TERM CORPORATE BOND ETF 1-3 YR CR BD ETF 464288646 78,367 1,454,472 SH   DFND   1,433,267 1,773 19,432
ISHARES TIPS BOND ETF TIPS BD ETF 464287176 50,474 390,664 SH   DFND   385,545 125 4,994
ISHARES TRUST ISHARES MSCI ACWI EX US INDEX FUND MSCI ACWI US ETF 464288240 9,640 173,375 SH   DFND   172,280 125 970
ISHARES ULTRA SHORT-TERM BOND ULTR SH TRM BD 46434V878 24,757 491,298 SH   DFND   396,113 0 95,185
ISHARES US HEALTH CARE PROVIDERS ETF US HLTHCR PR ETF 464288828 428 1,473 SH   DFND   1,473 0 0
ISHARES US TREASURY BOND ETF US TREAS BD ETF 46429B267 468 17,552 SH   DFND   17,552 0 0
J.P. MORGAN CHASE & CO COM 46625H100 241,739 1,526,614 SH   DFND   1,350,131 961 175,522
JACK HENRY & ASSOCIATES INC. COM 426281101 668 4,000 SH   DFND   3,700 300 0
JOHNSON & JOHNSON COM 478160104 219,067 1,280,571 SH   DFND   1,132,671 886 147,014
JOHNSON CONTROLS INTERNATIONAL PLC SHS G51502105 15,415 189,579 SH   DFND   188,165 0 1,414
JP MORGAN EQUITY PREMIUM INCOME ETF EQUITY PREMIUM 46641Q332 1,200 18,990 SH   DFND   0 0 18,990
JPM DIVERSIFIED RET INTL EQ DIV RTN INT EQ 46641Q209 416 7,036 SH   DFND   7,036 0 0
KIMBERLY CLARK CORP COM 494368103 6,301 44,087 SH   DFND   35,447 0 8,640
KROGER CO COM 501044101 347 7,660 SH   DFND   7,660 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109 220 1,030 SH   DFND   1,030 0 0
LAM RESEARCH CP COM 512807108 308 428 SH   DFND   428 0 0
LILLY, ELI & COMPANY COM 532457108 1,295 4,688 SH   DFND   4,008 0 680
LINDE PLC COM G5494J103 1,025 2,960 SH   DFND   2,658 0 302
LITHIA MOTORS INC CL A CL A 536797103 410 1,380 SH   DFND   1,380 0 0
LOCKHEED MARTIN CORP COM 539830109 20,472 57,602 SH   DFND   56,706 0 896
LOWES COS INC COM 548661107 283,584 1,097,123 SH   DFND   952,610 505 144,008
M & T BK CORP COM 55261F104 668 4,350 SH   DFND   4,350 0 0
MAGELLAN MIDSTREAM PARTNERS COM UNIT RP LP 559080106 316 6,800 SH   DFND   6,650 0 150
MARATHON PETROLEUM CORP COM 56585A102 449 7,019 SH   DFND   4,999 0 2,020
MARRIOTT INTL INC NEW CL A CL A 571903202 807 4,883 SH   DFND   4,883 0 0
MASCO CORP COM 574599106 653 9,301 SH   DFND   9,301 0 0
MASTERCARD CLA 57636Q104 227,810 634,003 SH   DFND   544,710 410 88,883
MAXIMUS INC COM 577933104 256 3,210 SH   DFND   3,210 0 0
MCCORMICK & CO COM NON VTG 579780206 23,547 243,731 SH   DFND   242,371 350 1,010
MCDONALDS CORP COM 580135101 71,974 268,491 SH   DFND   248,414 311 19,766
MCKESSON HBOC INC. COM 58155Q103 348 1,401 SH   DFND   1,390 0 11
MEDTRONIC PLC SHS G5960L103 100,220 968,779 SH   DFND   887,845 738 80,196
MERCK & CO COM 58933Y105 69,253 903,611 SH   DFND   887,850 888 14,873
META PLATFORMS, INC. CLASS A CL A 30303M102 2,814 8,366 SH   DFND   8,151 0 215
MICROCHIP TECHNOLOGY COM 595017104 815 9,356 SH   DFND   9,356 0 0
MICROSOFT CORP COM 594918104 448,575 1,333,775 SH   DFND   1,204,583 830 128,362
MIDCAP SPDR TRUST SERIES 1 UTSER1 S&PDCRP 78467Y107 1,986 3,836 SH   DFND   3,486 0 350
MONDELEZ INTERNATIONAL INC CL A CL A 609207105 1,207 18,198 SH   DFND   16,643 0 1,555
MORGAN STANLEY COM NEW 617446448 432 4,399 SH   DFND   4,399 0 0
NESTLE S A SPON ADR REG COM 641069406 4,734 33,722 SH   DFND   28,635 0 5,087
NETFLIX INC COM 64110L106 981 1,629 SH   DFND   1,629 0 0
NEXTERA ENERGY INC COM 65339F101 9,994 107,043 SH   DFND   107,043 0 0
NIKE INC CL B CL B 654106103 7,338 44,027 SH   DFND   35,739 0 8,288
NORFOLK SOUTHERN CORP COM 655844108 5,256 17,654 SH   DFND   17,209 0 445
NORTHERN TR CORP COM 665859104 1,039 8,686 SH   DFND   4,136 0 4,550
NORTHROP GRUMMAN CORP COM 666807102 2,166 5,596 SH   DFND   5,341 0 255
NOVARTIS AG - ADR SPONSORED ADR 66987V109 3,727 42,610 SH   DFND   42,610 0 0
NOVO-NORDISK A/S SPONS ADR ADR 670100205 1,347 12,027 SH   DFND   12,027 0 0
NUVEEN ESG EMERGING MARKETS NUVEEN ESG EMRGN 67092P888 694 21,500 SH   DFND   21,500 0 0
NUVEEN MA QUALITY MUNI INC FD COM 67061E104 435 27,500 SH   DFND   27,500 0 0
NUVEEN PA INVT QUALITY MUN FD COM 670972108 220 14,765 SH   DFND   14,765 0 0
NUVEEN PREFERRED & INCOME COM 67075T105 209 8,500 SH   DFND   8,500 0 0
NVIDIA CORP COM 67066G104 544 1,851 SH   DFND   1,851 0 0
ORACLE SYS CORP COM 68389X105 136,166 1,561,355 SH   DFND   1,357,018 786 203,551
PARKER-HANNIFIN CORP COM 701094104 487 1,532 SH   DFND   411 0 1,121
PAYCHEX INC COM 704326107 1,037 7,598 SH   DFND   4,318 0 3,280
PAYPAL HOLDINGS, INC. COM 70450Y103 2,368 12,555 SH   DFND   9,625 175 2,755
PEPSICO INC COM 713448108 228,100 1,313,106 SH   DFND   1,158,158 537 154,411
PFIZER INC COM 717081103 32,126 544,051 SH   DFND   530,934 0 13,117
PHILIP MORRIS INTL,INC COM 718172109 23,773 250,244 SH   DFND   249,041 0 1,203
PHILLIPS 66 COM 718546104 723 9,982 SH   DFND   9,760 0 222
PIMCO ENHANCED SHORT MATURITY ETF ENHAN SHRT MA AC 72201R833 212 2,090 SH   DFND   0 0 2,090
PNC FINANCIAL CORP COM 693475105 2,194 10,940 SH   DFND   10,340 0 600
POWERSHARES FTSE RAFI US 1K FTSE RAFI 1000 46137V613 2,045 11,913 SH   DFND   0 0 11,913
PPG INDS INC COM 693506107 1,612 9,347 SH   DFND   6,190 0 3,157
PPL CORP COM COM 69351T106 546 18,175 SH   DFND   18,175 0 0
PRIMIS FINANCIAL CORP COM 74167B109 150 10,000 SH   DFND   10,000 0 0
PROCTER & GAMBLE COM 742718109 42,160 257,734 SH   DFND   205,557 0 52,177
PROGRESSIVE CORP OHIO COM 743315103 264 2,571 SH   DFND   2,571 0 0
PRUDENTIAL FINL INC COM 744320102 437 4,034 SH   DFND   2,494 0 1,540
PUBLIC STORAGE COM 74460D109 1,555 4,151 SH   DFND   4,151 0 0
PUBLIC SVC ENTERPRISES COM 744573106 591 8,860 SH   DFND   8,860 0 0
QUALCOMM INC COM 747525103 17,973 98,283 SH   DFND   98,083 0 200
RAYTHEON TECHNOLOGIES CORP COM 75513E101 168,081 1,953,070 SH   DFND   1,751,668 1,403 199,999
REGENERON PHARMACEUTICALS COM 75886F107 215 341 SH   DFND   241 0 100
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 1,192 27,476 SH   DFND   24,500 0 2,976
ROYAL DUTCH SHELL PLC - ADR SPON ADR B 780259107 439 10,135 SH   DFND   10,135 0 0
S&P GLOBAL INC COM 78409V104 148,494 314,653 SH   DFND   272,193 360 42,100
SALESFORCE.COM INC COM 79466L302 1,033 4,064 SH   DFND   1,139 0 2,925
SAP SE SPONSORED ADR SPON ADR 803054204 778 5,554 SH   DFND   5,524 0 30
SCHWAB FUNDAMENTAL EM L/C SCHWB FDT MEK LG 808524730 1,230 39,700 SH   DFND   0 0 39,700
SCHWAB FUNDAMENTAL INTL L/C SCHWB FDT INT LG 808524755 4,412 135,720 SH   DFND   0 0 135,720
SCHWAB INTERNATIONAL EQUITY ETF INTL EQTY ETF 808524805 425 10,927 SH   DFND   10,927 0 0
SCHWAB US DVD EQUITY ETF US DIVIDEND EQ 808524797 482 5,961 SH   DFND   5,961 0 0
SCHWAB US LARGE-CAP VALUE ETF US LCAP VA ETF 808524409 921 12,581 SH   DFND   12,581 0 0
SCHWAB US MID CAP ETF US MID CAP ETF 808524508 577 7,177 SH   DFND   7,177 0 0
SCHWAB US SMALL-CAP ETF US SML CAP ETF 808524607 538 5,251 SH   DFND   5,251 0 0
SEI INVESTMENTS CO COM 784117103 480 7,870 SH   DFND   7,870 0 0
SHERWIN WILLIAMS CO COM 824348106 5,518 15,668 SH   DFND   15,410 258 0
SKYWORKS SOLUTIONS INC COM 83088M102 47,924 308,906 SH   DFND   307,041 340 1,525
SONY CORP - SPONSORED ADR SPONSORED ADR 835699307 531 4,200 SH   DFND   4,200 0 0
SOUTHERN CO COM 842587107 718 10,468 SH   DFND   10,468 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 1,752 10,250 SH   DFND   10,250 0 0
SPDR HEALTH CARE SEL SEC SBI HEALTHCARE 81369Y209 382 2,713 SH   DFND   1,076 0 1,637
SPDR S&P DIVIDEND ETF S&P DIVID ETF 78464A763 3,035 23,504 SH   DFND   2,999 0 20,505
SPDR TR UNIT SER 1 TR UNIT 78462F103 63,676 134,067 SH   DFND   92,445 0 41,622
STARBUCKS CORP COM 855244109 120,287 1,028,359 SH   DFND   903,238 717 124,404
STRYKER CORP COM 863667101 4,005 14,978 SH   DFND   14,123 0 855
SYSCO CORP COM 871829107 1,534 19,523 SH   DFND   19,523 0 0
T ROWE PRICE GROUP INC COM 74144T108 395 2,008 SH   DFND   1,358 0 650
TARGET CORP COM 87612E106 6,959 30,070 SH   DFND   29,105 0 965
TECHNOLOGY SELECT SECT SPDR TECHNOLOGY 81369Y803 1,716 9,869 SH   DFND   7,664 0 2,205
TELEFLEX INC COM 879369106 3,288 10,009 SH   DFND   9 0 10,000
TESLA MOTORS IN COM 88160R101 515 487 SH   DFND   487 0 0
TEXAS INSTRUMENTS INC COM 882508104 74,943 397,640 SH   DFND   353,361 195 44,084
THE BLACKSTONE GROUP INC COM CL A 09260D107 1,028 7,942 SH   DFND   7,942 0 0
THE HERSHEY COMPANY COM 427866108 1,155 5,972 SH   DFND   5,397 0 575
THE TRADE DESK INC COM CL A 88339J105 394 4,300 SH   DFND   4,300 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 86,793 130,077 SH   DFND   122,963 135 6,979
TIMOTHY PLAN US SMALL CAP CO US SM CP CORE 887432342 249 7,000 SH   DFND   7,000 0 0
TJX COS INC NEW COM 872540109 183,292 2,414,273 SH   DFND   2,067,125 1,229 345,919
TORONTO-DOMINION BANK COM NEW 891160509 310 4,043 SH   DFND   4,043 0 0
TRANE TECHNOLOGIES PLC SHS G8994E103 834 4,129 SH   DFND   4,129 0 0
TRANSDIGM GROUP, INC. COM 893641100 764 1,200 SH   DFND   1,200 0 0
TRAVELERS COMPANIES INC COM 89417E109 750 4,797 SH   DFND   2,319 0 2,478
TRINET GROUP IN COM 896288107 953 10,000 SH   DFND   10,000 0 0
TRUIST FINANCIAL CORP COM 89832Q109 16,019 273,592 SH   DFND   271,241 0 2,351
TWILIO INC - A CL A 90138F102 474 1,800 SH   DFND   1,800 0 0
U S BANCORP COM NEW 902973304 1,193 21,236 SH   DFND   12,000 0 9,236
UGI CORP NEW COM 902681105 367 8,002 SH   DFND   8,002 0 0
UNILEVER PLC SPONSORED ADR SPON ADR NEW 904767704 11,563 214,971 SH   DFND   206,138 0 8,833
UNION PACIFIC CORP COM 907818108 14,856 58,968 SH   DFND   56,363 0 2,605
UNITED PARCEL SVC INC CL B CL B 911312106 78,993 368,538 SH   DFND   366,669 199 1,670
UNITEDHEALTH GROUP INC COM 91324P102 255,099 508,024 SH   DFND   431,822 277 75,925
V F CORPORATION COM 918204108 33,321 455,080 SH   DFND   450,003 710 4,367
VALERO ENERGY CORP COM 91913Y100 241 3,210 SH   DFND   2,945 0 265
VANGUARD CONSUMER DISCRETIONARY ETF CONSUM DIS ETF 92204A108 219 644 SH   DFND   512 0 132
VANGUARD DIVIDEND DIV APP ETF 921908844 40,858 237,893 SH   DFND   138,522 0 99,372
VANGUARD ESG INTL STOCK ETF ESG INTL STK ETF 921910725 1,972 31,800 SH   DFND   31,800 0 0
VANGUARD ESG US STOCK ETF ESG US STK ETF 921910733 1,106 12,586 SH   DFND   12,586 0 0
VANGUARD FINANCIALS ETF FINANCIALS ETF 92204A405 261 2,701 SH   DFND   2,701 0 0
VANGUARD FTSE ALL WORLD SC ETF FTSE SMCAP ETF 922042718 58,105 433,751 SH   DFND   421,672 587 11,491
VANGUARD FTSE EMERGING MARKET ETF FTSE EMR MKT ETF 922042858 6,344 128,271 SH   DFND   128,271 0 0
VANGUARD FTSE EUROPE ETF FTSE EUROPE ETF 922042874 68,069 997,489 SH   DFND   976,518 1,600 19,371
VANGUARD FTSE EUROPE PACIFIC ETF FTSE DEV MKT ETF 921943858 5,645 110,551 SH   DFND   110,551 0 0
VANGUARD FTSE PACIFIC ETF INF TECH ETF 922042866 79,457 1,018,550 SH   DFND   998,902 1,028 18,620
VANGUARD GROWTH ETF GROWTH ETF 922908736 398 1,239 SH   DFND   1,239 0 0
VANGUARD HEALTHCARE ETF HEALTH CAR ETF 92204A504 222 835 SH   DFND   835 0 0
VANGUARD HIGH DIVIDEND YIELD ETF HIGH DIV YLD 921946406 4,165 37,155 SH   DFND   36,755 0 400
VANGUARD INFO TECH ETF INF TECH ETF 92204A702 4,952 10,808 SH   DFND   10,788 0 20
VANGUARD INTERMEDIATE-TERM CORPORATE BOND ETF INT-TERM CORP 92206C870 207 2,230 SH   DFND   2,230 0 0
VANGUARD LARGE - CAP ETF LARGE CAP ETF 922908637 329 1,490 SH   DFND   1,490 0 0
VANGUARD MID-CAP ETF MID CAP ETF 922908629 1,556 6,106 SH   DFND   6,106 0 0
VANGUARD MID-CAP GROWTH ETF MCAP GR IDXVIP 922908538 488 1,917 SH   DFND   1,831 0 86
VANGUARD REIT ETF REIT ETF 922908553 3,166 27,295 SH   DFND   27,295 0 0
VANGUARD S&P 500 ETF S&P 500 ETF SHS 922908363 8,722 19,978 SH   DFND   16,952 0 3,026
VANGUARD SHORT TERM BOND ETF SHORT TRM BOND 921937827 4,328 53,550 SH   DFND   53,550 0 0
VANGUARD SMALL-CAP ETF SMALL CAP ETF 922908751 2,766 12,237 SH   DFND   12,090 0 147
VANGUARD TOTAL BOND MARKET TOTAL BND MRKT 921937835 12,614 148,834 SH   DFND   513 0 148,321
VANGUARD TOTAL INTL STOCK INDEX FUND ETF VG TL INTL STK F 921909768 10,266 161,498 SH   DFND   161,498 0 0
VANGUARD TOTAL STOCK MARKET TOTAL STK MKT 922908769 56,588 234,377 SH   DFND   206,738 0 27,639
VANGUARD VALUE ETF VALUE ETF 922908744 1,466 9,966 SH   DFND   3,414 0 6,552
VENTAS INC COM 92276F100 201 3,934 SH   DFND   3,934 0 0
VERIZON COMMUNICATIONS COM 92343V104 10,963 210,985 SH   DFND   206,775 0 4,210
VISA IN - CLASS A COM CL A 92826C839 3,312 15,281 SH   DFND   13,441 0 1,840
WALGREENS BOOTS ALLIANCE, INC COM 931427108 509 9,761 SH   DFND   9,761 0 0
WALMART INC COM 931142103 2,899 20,039 SH   DFND   19,231 0 808
WASTE MGMT INC DEL COM 94106L109 4,311 25,830 SH   DFND   25,830 0 0
WEC ENERGY GROUP INC COM 92939U106 398 4,102 SH   DFND   4,102 0 0
WELLS FARGO CO COM 949746101 2,259 47,076 SH   DFND   46,973 0 103
WEST PHARMACEUTICAL SERVICES COM 955306105 1,105 2,357 SH   DFND   2,357 0 0
WEYERHAEUSER CO COM NEW 962166104 214 5,206 SH   DFND   5,206 0 0
WW GRAINGER INC COM 384802104 573 1,105 SH   DFND   1,105 0 0
XYLEM INC COM 98419M100 350 2,920 SH   DFND   2,520 0 400
YUM BRANDS INC COM COM 988498101 325 2,337 SH   DFND   2,337 0 0
ZIMMER HLDGS INC COM 98956P102 665 5,237 SH   DFND   4,743 0 494
ZOETIS INC. CL A 98978V103 2,527 10,356 SH   DFND   10,356 0 0