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
REDHILL BIOPHARMA LTD-SP ADR SPONSORED ADS 757468103 5 10,000 SH   DFND   10,000 0 0
AKARI THERAPEUTICS PLC-ADR SPONSORED ADR 00972G108 13 20,000 SH   DFND   20,000 0 0
LINEAGE CELL THERAPEUTICS INC COM 53566P109 15 13,612 SH   DFND   13,612 0 0
WARNER BROS DISCOVERY INC COM SER A 934423104 115 10,011 SH   DFND   10,011 0 0
PRIMIS FINANCIAL CORP COM 74167B109 121 10,000 SH   DFND   10,000 0 0
NUVEEN PA INVT QUALITY MUN FD COM 670972108 162 14,765 SH   DFND   14,765 0 0
KINDER MORGAN COM 49456B101 179 10,748 SH   DFND   10,748 0 0
ISHARES HIGH DIVIDEND EQUITY CORE HIGH DV ETF 46429B663 200 2,193 SH   DFND   2,193 0 0
VANGUARD FINANCIALS ETF FINANCIALS ETF 92204A405 203 2,726 SH   DFND   2,726 0 0
MAXIMUS INC COM 577933104 205 3,547 SH   DFND   3,547 0 0
TORONTO-DOMINION BANK COM NEW 891160509 206 3,357 SH   DFND   3,357 0 0
ISHARES US CONSUMER STAPLES ETF US CONSM STAPLES 464287812 208 1,158 SH   DFND   1,158 0 0
CINTAS CORP COM 172908105 211 544 SH   DFND   544 0 0
YUM BRANDS INC COM COM 988498101 215 2,025 SH   DFND   2,025 0 0
VANGUARD TAX-EXEMPT BOND INDEX ETF TAX EXEMPT BD 922907746 216 4,490 SH   DFND   4,490 0 0
ARCHER DANIELS MIDLAND COM 039483102 218 2,710 SH   DFND   2,710 0 0
VANGUARD INTERMEDIATE-TERM CORPORATE BOND ETF INT-TERM CORP 92206C870 221 2,919 SH   DFND   2,919 0 0
CRANE HLDGS CO COM 224441105 221 2,525 SH   DFND   2,525 0 0
SALESFORCE.COM INC COM 79466L302 226 1,570 SH   DFND   1,570 0 0
ENBRIDGE INC. COM 29250N105 229 6,165 SH   DFND   5,515 0 650
BOOKING HOLDINGS INC. COM 09857L108 232 141 SH   DFND   141 0 0
HUBBELL INC COM 443510607 232 1,042 SH   DFND   1,042 0 0
CONSUMER STAPLES SPDR SBI CONS STPLS 81369Y308 237 3,556 SH   DFND   3,556 0 0
GENTEX CORP COM 371901109 238 9,971 SH   DFND   9,971 0 0
VANGUARD EXTENDED MARKET ETF EXTEND MKT ETF 922908652 239 1,880 SH   DFND   1,880 0 0
ISHARES NORTH AMERICAN TECH-SOFTWARE ETF EXPANDED TECH 464287515 244 975 SH   DFND   975 0 0
CORNING INC COM 219350105 246 8,487 SH   DFND   4,987 0 3,500
BROWN-FORMAN CORP CL B 115637209 248 3,725 SH   DFND   3,725 0 0
INVESCO S&P 500 EQUAL WEIGHT S&P500 EQL TEC 46137V282 249 1,100 SH   DFND   1,100 0 0
PARKER-HANNIFIN CORP COM 701094104 253 1,043 SH   DFND   626 0 417
VALERO ENERGY CORP COM 91913Y100 256 2,395 SH   DFND   2,395 0 0
CONSTELLATION ENERGY CORP COM 21037T109 257 3,086 SH   DFND   3,086 0 0
THE TRADE DESK INC COM CL A 88339J105 257 4,300 SH   DFND   4,300 0 0
SCHWAB INTERNATIONAL EQUITY ETF INTL EQTY ETF 808524805 257 9,147 SH   DFND   9,147 0 0
INDUSTRIAL SELECT SECT SPDR SBI INT-INDS 81369Y704 260 3,144 SH   DFND   3,144 0 0
ISHARES S&P MID CAP 400 VALUE INDEX FUND S&P MC 400VL ETF 464287705 266 2,952 SH   DFND   2,952 0 0
NORTHERN TR CORP COM 665859104 270 3,150 SH   DFND   3,150 0 0
ISHARES S&P 500 VALUE ETF S&P 500 VAL ETF 464287408 271 2,108 SH   DFND   2,108 0 0
ANALOG DEVICES COM 032654105 275 1,975 SH   DFND   1,975 0 0
SCHWAB (CHARLES) CORP COM 808513105 280 3,889 SH   DFND   3,889 0 0
WEC ENERGY GROUP INC COM 92939U106 284 3,180 SH   DFND   3,180 0 0
ISHARES RUSSELL MID CAP VALUE INDEX FUND RUS MDCP VAL ETF 464287473 286 2,979 SH   DFND   2,979 0 0
ISHARES RUSSELL 3000 INDEX FUND RUSSELL 3000 ETF 464287689 290 1,400 SH   DFND   1,400 0 0
GLOBAL PAYMENTS INC COM 37940X102 292 2,700 SH   DFND   2,350 350 0
ASTRA ZENECA PLC ADR SPONSORED ADR 046353108 311 5,664 SH   DFND   5,664 0 0
UGI CORP NEW COM 902681105 312 9,658 SH   DFND   9,658 0 0
ISHARES NATIONAL AMT-FREE MUNICIPAL BOND FUND NAT AMT FREE BD 464288414 313 3,052 SH   DFND   3,052 0 0
KROGER CO COM 501044101 314 7,169 SH   DFND   7,055 0 114
MAGELLAN MIDSTREAM PARTNERS COM UNIT RP LP 559080106 316 6,650 SH   DFND   6,650 0 0
SEI INVESTMENTS CO COM 784117103 327 6,670 SH   DFND   6,670 0 0
GLATFELTER CORP COM 377320106 329 105,650 SH   DFND   105,650 0 0
ISHARES MSC EAFE ESG ESG AW MSCI EAFE 46435G516 330 5,877 SH   DFND   5,635 0 242
ISHARES DOW JONES INTERNATIONAL SELECT DIVIDEND IN INTL SEL DIV ETF 464288448 330 14,663 SH   DFND   14,663 0 0
ISHARES DJ US INDUSTRIAL SECTOR INDEX FUND US INDUSTRIALS 464287754 331 3,955 SH   DFND   3,955 0 0
CUMMINS INC COM 231021106 332 1,630 SH   DFND   1,630 0 0
FACTSET RESEARCH COM 303075105 334 836 SH   DFND   836 0 0
AMETEK INC COM 031100100 336 2,965 SH   DFND   2,965 0 0
DOVER CORP COM 260003108 339 2,905 SH   DFND   2,905 0 0
GENERAL DYNAMICS CORP COM 369550108 346 1,629 SH   DFND   1,044 0 585
EXELON CORP COM 30161N101 347 9,264 SH   DFND   9,264 0 0
ISHARES MORNINGSTAR MID-CAP ETF MRGSTR MD CP ETF 464288208 351 6,517 SH   DFND   6,517 0 0
WW GRAINGER INC COM 384802104 359 734 SH   DFND   734 0 0
SPDR FINANCIAL SELECT FINANCIAL 81369Y605 362 11,911 SH   DFND   11,711 0 200
PPL CORP COM COM 69351T106 367 14,486 SH   DFND   14,486 0 0
ZIMMER HLDGS INC COM 98956P102 372 3,558 SH   DFND   3,180 0 378
ISHARES IBOXX HIGH YIELD CORPORATE BOND ETF IBOXX HI YD ETF 464288513 374 5,208 SH   DFND   5,208 0 0
ISHARES IBOXX $ INVESTOP INVESTMENT GRADE BOND FUN IBOXX INV CP ETF 464287242 374 3,638 SH   DFND   3,638 0 0
LITHIA MOTORS INC CL A CL A 536797103 374 1,745 SH   DFND   1,745 0 0
ISHARES US HEALTH CARE PROVIDERS ETF US HLTHCR PR ETF 464288828 376 1,473 SH   DFND   1,473 0 0
SCHWAB US SMALL-CAP ETF US SML CAP ETF 808524607 381 10,001 SH   DFND   10,001 0 0
MATERIALS SELECT SECTOR SPDR SBI MATERIALS 81369Y100 383 5,613 SH   DFND   5,613 0 0
GOLDMAN SACHS GROUP INC COM COM 38141G104 386 1,318 SH   DFND   971 0 347
ISHARES MSCI EM MKTS EX CHINA MSCI EMRG CHN 46434G764 395 8,914 SH   DFND   8,914 0 0
CONSTELLATION BRANDS INC CL A 21036P108 397 1,728 SH   DFND   1,728 0 0
SCHWAB US DVD EQUITY ETF US DIVIDEND EQ 808524797 401 5,961 SH   DFND   5,961 0 0
CANADIAN NATL RAILWAY CO COM 136375102 403 3,735 SH   DFND   3,735 0 0
SCHWAB US MID CAP ETF US MID CAP ETF 808524508 413 6,780 SH   DFND   6,780 0 0
AMERICAN WTR WK COM 030420103 415 3,186 SH   DFND   1,575 0 1,611
FASTENAL COMPANY COM 311900104 418 9,087 SH   DFND   9,087 0 0
SAP SE SPONSORED ADR SPON ADR 803054204 424 5,221 SH   DFND   5,221 0 0
FIDELITY NATIONAL INFO SVCS COM 31620M106 429 5,681 SH   DFND   5,681 0 0
ISHARES RUSSELL 1000 INDEX FUND RUS 1000 ETF 464287622 439 2,227 SH   DFND   2,227 0 0
MICROCHIP TECHNOLOGY COM 595017104 445 7,287 SH   DFND   7,287 0 0
U S BANCORP COM NEW 902973304 475 11,788 SH   DFND   2,584 0 9,204
MASCO CORP COM 574599106 480 10,281 SH   DFND   10,281 0 0
ISHARES US CONSUMER DISCRETIONARY ETF US CONSUM DISCRE 464287580 487 8,370 SH   DFND   8,370 0 0
CLOROX CO COM 189054109 491 3,822 SH   DFND   3,822 0 0
MARATHON PETROLEUM CORP COM 56585A102 496 4,998 SH   DFND   4,998 0 0
TESLA MOTORS IN COM 88160R101 500 1,885 SH   DFND   1,885 0 0
NVIDIA CORP COM 67066G104 501 4,128 SH   DFND   4,128 0 0
NUVEEN ESG EMERGING MARKETS NUVEEN ESG EMRGN 67092P888 504 21,500 SH   DFND   21,500 0 0
META PLATFORMS, INC. CLASS A CL A 30303M102 505 3,719 SH   DFND   3,504 0 215
MCKESSON HBOC INC. COM 58155Q103 521 1,534 SH   DFND   1,494 0 40
TRANSDIGM GROUP, INC. COM 893641100 525 1,000 SH   DFND   1,000 0 0
ARTHUR J GALLAGHER & CO COM 363576109 525 3,068 SH   DFND   3,068 0 0
GOLDMAN SACHS TREAS ACC ETF ACCES TREASURY 381430529 529 5,295 SH   DFND   4,921 0 374
ISHARES BARCLAYS 7-10 YEAR TREASURY BOND FUND 7-10 Y TR BD ETF 464287440 532 5,540 SH   DFND   5,060 0 480
FEDEX CORP COM 31428X106 543 3,654 SH   DFND   3,654 0 0
WISDOMTREE FLOATING RATE TREASURY FUND FLOATING RAT TREA 97717Y527 554 11,022 SH   DFND   11,022 0 0
ISHARES RUSSELL 2000 GROWTH INDEX FUND RUS 2000 GRW ETF 464287648 570 2,761 SH   DFND   2,526 0 235
ALERIAN MLP ETF ALERIAN MLP 00162Q452 572 15,645 SH   DFND   15,645 0 0
PAYCHEX INC COM 704326107 578 5,148 SH   DFND   4,317 0 831
MORGAN STANLEY COM NEW 617446448 607 7,685 SH   DFND   7,685 0 0
VANGUARD GROWTH ETF GROWTH ETF 922908736 609 2,847 SH   DFND   2,847 0 0
BOEING CO COM 097023105 615 5,080 SH   DFND   4,127 0 953
SCHWAB FUNDAMENTAL INTL L/C SCHWB FDT INT LG 808524755 626 24,910 SH   DFND   0 0 24,910
CINCINNATI FINANCIAL CORP COM 172062101 629 7,017 SH   DFND   7,017 0 0
THE BLACKSTONE GROUP INC COM CL A 09260D107 648 7,742 SH   DFND   7,742 0 0
TRANE TECHNOLOGIES PLC SHS G8994E103 662 4,570 SH   DFND   4,570 0 0
ADOBE SYSTEMS COM 00724F101 670 2,434 SH   DFND   1,689 0 745
ISHARES S&P MID CAP 400 GROWTH INDEX FUND S&P MC 400GR ETF 464287606 671 10,644 SH   DFND   10,644 0 0
CIGNA CORP COM 125523100 673 2,426 SH   DFND   2,426 0 0
PROGRESSIVE CORP OHIO COM 743315103 674 5,801 SH   DFND   5,801 0 0
HALEON PLC SPON ADS 405552100 677 111,168 SH   DFND   36,795 0 74,373
ISHARES RUSSELL MID CAP GROWTH INDEX FUND RUS MDCP VAL ETF 464287481 692 8,819 SH   DFND   8,819 0 0
BROADCOM LTD COM 11135F101 693 1,561 SH   DFND   1,561 0 0
COPART, INC COM 217204106 706 6,638 SH   DFND   6,638 0 0
ISHARES TIPS BOND ETF TIPS BD ETF 464287176 708 6,746 SH   DFND   6,631 0 115
JACK HENRY & ASSOCIATES INC. COM 426281101 729 4,000 SH   DFND   3,700 300 0
TRAVELERS COMPANIES INC COM 89417E109 735 4,797 SH   DFND   2,319 0 2,478
JP MORGAN EQUITY PREMIUM INCOME ETF EQUITY PREMIUM 46641Q332 735 14,348 SH   DFND   2,402 0 11,946
SCHWAB US LARGE-CAP VALUE ETF US LCAP VA ETF 808524409 747 12,582 SH   DFND   12,582 0 0
MARRIOTT INTL INC NEW CL A CL A 571903202 760 5,420 SH   DFND   5,420 0 0
GENERAL MILLS INC COM 370334104 767 10,006 SH   DFND   10,006 0 0
ISHARES ESG MSCI USA SMALL- CAP ESG AWARE MSCI 46435U663 771 25,137 SH   DFND   25,137 0 0
PAYPAL HOLDINGS, INC. COM 70450Y103 774 8,987 SH   DFND   8,712 175 100
M & T BK CORP COM 55261F104 774 4,390 SH   DFND   4,390 0 0
ISHARES RUSSELL 2000 VALUE INDEX FUND RUS 2000 VAL ETF 464287630 787 6,103 SH   DFND   600 0 5,503
ISHARES MSCI EM ESG OP ESG AWR MSCI EM 46434G863 799 28,885 SH   DFND   28,542 0 343
SOUTHERN CO COM 842587107 801 11,786 SH   DFND   11,786 0 0
ISHARES MSCI EAFE GROWTH INDEX FUND EAFE GRWTH ETF 464288885 812 11,197 SH   DFND   7,348 0 3,849
INTL FLAVORS & FRAGRANCES COM 459506101 831 9,152 SH   DFND   9,152 0 0
ISHARES DJ US HEALTH CARE SECTOR INDEX FUND US HLTHCARE ETF 464287762 847 3,308 SH   DFND   3,308 0 0
CONSOLIDATED EDISON INC COM 209115104 855 9,966 SH   DFND   7,816 0 2,150
ISHARES BARCLAYS LEHMAN 1-3 YEAR TREASURY BOND FUN 1 3 YR TREAS BD 464287457 861 10,593 SH   DFND   9,608 0 985
SNAP-ON INC COM 833034101 905 4,493 SH   DFND   4,493 0 0
VANGUARD VALUE ETF VALUE ETF 922908744 911 7,375 SH   DFND   3,808 0 3,567
VANGUARD ESG US STOCK ETF ESG US STK ETF 921910733 923 14,672 SH   DFND   14,672 0 0
COMM SERV SELECT SECTOR SPDR COMMUNICATION 81369Y852 927 19,361 SH   DFND   19,361 0 0
SCHWAB FUNDAMENTAL EM L/C SCHWB FDT MEK LG 808524730 931 39,700 SH   DFND   0 0 39,700
CONSUMER DISCRETIONARY SELECT SBI CONS DISCR 81369Y407 953 6,688 SH   DFND   6,688 0 0
CATERPILLAR INC COM 149123101 953 5,810 SH   DFND   5,395 0 415
ENERGY SELECT SECTOR SPDR ENERGY 81369Y506 986 13,697 SH   DFND   13,697 0 0
ISHARES BARCLAYS INTERMEDIATE GOVERNMENT/CREDIT BO INTRM GOV/CR ETF 464288612 987 9,706 SH   DFND   4,636 0 5,070
PHILLIPS 66 COM 718546104 988 12,242 SH   DFND   12,126 0 116
BANK OF AMERICA COM 060505104 994 32,905 SH   DFND   32,905 0 0
CHEMOURS COMPANY COM 163851108 1,008 40,895 SH   DFND   40,895 0 0
NORTHROP GRUMMAN CORP COM 666807102 1,028 2,185 SH   DFND   2,185 0 0
PPG INDS INC COM 693506107 1,038 9,377 SH   DFND   8,977 0 400
ISHARES US FINANCIALS ETF U.S. FINLS ETF 464287788 1,063 15,742 SH   DFND   15,742 0 0
THE HERSHEY COMPANY COM 427866108 1,080 4,899 SH   DFND   4,899 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 1,083 7,000 SH   DFND   7,000 0 0
ENERGY TRANSFER COM UT LTD PTN 29273V100 1,087 98,544 SH   DFND   98,544 0 0
VANGUARD MID-CAP ETF MID CAP ETF 922908629 1,090 5,796 SH   DFND   5,796 0 0
LINDE PLC COM G5494J103 1,097 4,070 SH   DFND   3,790 0 280
ISHARES S&P US PREFERRED STOCK INDEX FUND U.S. PFD STK ETF 464288687 1,098 34,663 SH   DFND   34,663 0 0
ISHARES MSCI EMERGING MARKETS INDEX FUND MSCI EMG MKT ETF 464287234 1,107 31,726 SH   DFND   30,726 0 1,000
ECOLAB INC COM 278865100 1,108 7,674 SH   DFND   7,407 0 267
AT&T INC COM 00206R102 1,114 72,632 SH   DFND   69,995 0 2,637
DOMINION ENERGY INC COM 25746U109 1,125 16,280 SH   DFND   16,280 0 0
DUKE ENERGY CORP COM NEW 26441C204 1,128 12,131 SH   DFND   10,993 0 1,138
ISHARES MSCI ACWI ETF MSCI ACWI ETF 464288257 1,133 14,559 SH   DFND   14,559 0 0
PUBLIC STORAGE COM 74460D109 1,136 3,879 SH   DFND   3,879 0 0
DEERE & CO. COM 244199105 1,154 3,455 SH   DFND   3,200 0 255
ISHARES CORE MSCI ACMI CORE MSCI TOTAL 46432F834 1,221 23,988 SH   DFND   23,988 0 0
NOVO-NORDISK A/S SPONS ADR ADR 670100205 1,241 12,460 SH   DFND   12,460 0 0
ISHARES S&P SHORT TERM NATIONAL AMT-FREE MUNICIPAL SHRT NAT MUN ETF 464288158 1,242 12,096 SH   DFND   12,096 0 0
VANGUARD ESG INTL STOCK ETF ESG INTL STK ETF 921910725 1,277 29,407 SH   DFND   29,407 0 0
CANADIAN PACIFIC RAILWAY LTD COM 13645T100 1,284 19,250 SH   DFND   19,250 0 0
PUBLIC SVC ENTERPRISES COM 744573106 1,308 23,259 SH   DFND   23,259 0 0
SPDR HEALTH CARE SEL SEC SBI HEALTHCARE 81369Y209 1,311 10,821 SH   DFND   9,561 0 1,260
SYSCO CORP COM 871829107 1,329 18,800 SH   DFND   18,800 0 0
CHURCH & DWIGHT CO COM 171340102 1,341 18,776 SH   DFND   18,776 0 0
INTERCONTINENTAL EXCHANGE COM 45866F104 1,364 15,095 SH   DFND   14,740 0 355
ISHARES DJ US TECHNOLOGY SECTOR INDEX FUND U.S. TECH ETF 464287721 1,394 18,995 SH   DFND   18,995 0 0
ISHARES MSCI EMERGING MARKETS MINIMUM VOLATILITY I EM MK MINVOL ETF 464286533 1,394 27,500 SH   DFND   27,500 0 0
AFLAC COM 001055102 1,405 25,000 SH   DFND   25,000 0 0
ESSENTIAL UTILITIES INC COM 29670G102 1,419 34,294 SH   DFND   30,955 0 3,339
VANGUARD LARGE - CAP ETF LARGE CAP ETF 922908637 1,437 8,785 SH   DFND   8,785 0 0
MIDCAP SPDR TRUST SERIES 1 UTSER1 S&PDCRP 78467Y107 1,491 3,712 SH   DFND   3,362 0 350
INTERNATIONAL BUSINESS MACHINES COM 459200101 1,515 12,754 SH   DFND   12,754 0 0
VANGUARD REIT ETF REIT ETF 922908553 1,587 19,790 SH   DFND   19,790 0 0
GILEAD SCIENCES INC COM 375558103 1,602 25,971 SH   DFND   18,530 0 7,441
MONDELEZ INTERNATIONAL INC CL A CL A 609207105 1,610 29,363 SH   DFND   29,363 0 0
ISHARES CORE DIVIDEND GROWTH ETF CORE DIV GRWTH 46434V621 1,655 37,222 SH   DFND   35,222 0 2,000
ELEVATION HEALTH INC COM 036752103 1,671 3,678 SH   DFND   3,678 0 0
ZOETIS INC. CL A 98978V103 1,772 11,952 SH   DFND   11,952 0 0
GOLDMAN SACHS ACCESS INV GRADE CORP BOND ETF ACCESS INVT GR 381430479 1,788 41,375 SH   DFND   41,375 0 0
SHELL PLC - ADR SPON ADS 780259305 1,896 38,101 SH   DFND   35,635 0 2,466
POWERSHARES FTSE RAFI US 1K FTSE RAFI 1000 46137V613 1,949 14,046 SH   DFND   2,470 0 11,576
CHUBB LTD COM H1467J104 2,001 11,004 SH   DFND   11,004 0 0
VANGUARD SMALL-CAP ETF SMALL CAP ETF 922908751 2,036 11,912 SH   DFND   11,912 0 0
AMERICAN EXPRESS CO COM 025816109 2,068 15,326 SH   DFND   14,556 0 770
WELLS FARGO CO COM 949746101 2,139 53,183 SH   DFND   53,183 0 0
ENTERPRISE PRODUCTS PARTNERS COM 293792107 2,155 90,613 SH   DFND   83,453 0 7,160
LILLY, ELI & COMPANY COM 532457108 2,228 6,890 SH   DFND   6,710 0 180
STRYKER CORP COM 863667101 2,314 11,425 SH   DFND   10,570 0 855
ISHARES S&P 500 GROWTH INDEX FUND S&P 500 GRWT ETF 464287309 2,330 40,272 SH   DFND   40,272 0 0
ISHARES DJ SELECT DIVIDEND INDEX FUND SELECT DIVID ETF 464287168 2,340 21,827 SH   DFND   21,827 0 0
SPDR S&P DIVIDEND ETF S&P DIVID ETF 78464A763 2,429 21,784 SH   DFND   5,769 0 16,015
NOVARTIS AG - ADR SPONSORED ADR 66987V109 2,470 32,499 SH   DFND   32,499 0 0
CONOCOPHILLIPS COM 20825C104 2,544 24,863 SH   DFND   23,669 0 1,194
VANGUARD S/T CORP BOND ETF SHRT TRM CORP BD 92206C409 2,548 34,301 SH   DFND   34,301 0 0
GOLDMAN SACHS ACTIVEBETA INTERNATIONAL EQUITY ETF ACTIVEBETA INT 381430107 2,610 105,465 SH   DFND   105,465 0 0
ALTRIA GROUP INC COM COM 02209S103 2,640 65,373 SH   DFND   64,851 0 522
ISHARES MSCI EAFE INDEX FUND MSCI EAFE ETF 464287465 2,647 47,265 SH   DFND   47,265 0 0
WALMART INC COM 931142103 2,876 22,172 SH   DFND   22,064 0 108
GLAXOSMITHKLINE PLC SPONSORED ADR 37733W204 2,891 98,238 SH   DFND   37,448 0 60,790
PNC FINANCIAL CORP COM 693475105 3,013 20,162 SH   DFND   19,562 0 600
SHERWIN WILLIAMS CO COM 824348106 3,215 15,704 SH   DFND   15,446 258 0
TECHNOLOGY SELECT SECT SPDR TECHNOLOGY 81369Y803 3,238 27,259 SH   DFND   25,054 0 2,205
ISHARES TRUST ISHARES MSCI ACWI EX US INDEX FUND MSCI ACWI US ETF 464288240 3,242 81,019 SH   DFND   81,019 0 0
EMERSON ELECTRIC CO COM 291011104 3,300 45,066 SH   DFND   40,596 0 4,470
INTEL CORP COM 458140100 3,322 128,917 SH   DFND   128,467 0 450
NORFOLK SOUTHERN CORP COM 655844108 3,406 16,248 SH   DFND   15,603 0 645
VANGUARD INFO TECH ETF INF TECH ETF 92204A702 3,491 11,357 SH   DFND   11,357 0 0
ISHARES RUSSELL 2000 INDEX FUND RUSSELL 2000 ETF 464287655 3,565 21,615 SH   DFND   21,615 0 0
ISHARES RUSSELL MID CAP INDEX FUND RUS MID-CAP ETF 464287499 3,576 57,533 SH   DFND   57,533 0 0
DANAHER CORP COM 235851102 3,604 13,955 SH   DFND   13,955 0 0
DIAGEO PLC - SPONSORED ADR SPON ADR NEW 25243Q205 3,634 21,398 SH   DFND   21,223 0 175
NESTLE S A SPON ADR REG COM 641069406 3,681 34,208 SH   DFND   29,121 0 5,087
ISHARES EDGE MSCI USA VALUE FACTO MSCI USA VALUE 46432F388 3,777 46,137 SH   DFND   33,510 0 12,627
VANGUARD SHORT TERM BOND ETF SHORT TRM BOND 921937827 3,978 53,077 SH   DFND   53,077 0 0
COLGATE-PALMOLIVE CO COM 194162103 4,013 57,123 SH   DFND   47,043 0 10,080
TARGET CORP COM 87612E106 4,127 27,815 SH   DFND   27,690 0 125
VANGUARD HIGH DIVIDEND YIELD ETF HIGH DIV YLD 921946406 4,250 44,789 SH   DFND   44,389 0 400
VISA IN - CLASS A COM CL A 92826C839 4,275 24,065 SH   DFND   22,765 0 1,300
VANGUARD FTSE DEVELOPED MARKETS ETF FTSE DEV MKT ETF 921943858 4,456 122,543 SH   DFND   122,543 0 0
KIMBERLY CLARK CORP COM 494368103 4,489 39,889 SH   DFND   36,999 0 2,890
CORTEVA INC COM 22052L104 4,534 79,341 SH   DFND   79,341 0 0
WASTE MGMT INC DEL COM 94106L109 4,825 30,114 SH   DFND   30,114 0 0
ISHARES EDGE MSCI USA MOMENT MSCI USA MMENTM 46432F396 4,844 36,929 SH   DFND   30,783 0 6,146
VANGUARD FTSE EMERGING MARKET ETF FTSE EMR MKT ETF 922042858 5,045 138,257 SH   DFND   138,257 0 0
ALPHABET INC - CL A CAP STK CL A 02079K305 5,105 53,374 SH   DFND   51,874 0 1,500
ISHARES MSCI USA MINIMUM VOL MSCI USA MIN VOL 46429B697 5,293 80,083 SH   DFND   7,318 0 72,765
3M COMPANY COM 88579Y101 5,331 48,246 SH   DFND   38,224 0 10,022
AMAZON.COM INC COM 023135106 5,687 50,324 SH   DFND   41,414 0 8,910
ISHARES EDGE MSCI USA QUALIT MSCI USA QLT FCT 46432F339 5,852 56,305 SH   DFND   56,305 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 6,230 87,632 SH   DFND   82,849 0 4,783
ALPHABET INC CL C CAP STK CL C 02079K107 6,721 69,900 SH   DFND   68,400 0 1,500
VANGUARD TOTAL INTL STOCK INDEX FUND ETF VG TL INTL STK F 921909768 6,809 148,760 SH   DFND   127,239 110 21,411
VANGUARD TOTAL BOND MARKET TOTAL BND MRKT 921937835 7,050 98,602 SH   DFND   12,865 0 85,737
SCHWAB FUNDAMENTAL LARGE CAP SCHWAB FDT US LG 808524771 7,177 150,278 SH   DFND   21,656 0 128,622
VERIZON COMMUNICATIONS COM 92343V104 7,297 192,173 SH   DFND   188,672 0 3,501
VANGUARD S&P 500 ETF S&P 500 ETF SHS 922908363 7,380 22,480 SH   DFND   16,688 0 5,792
BERKSHIRE HATHAWAY INC DEL CL B CL B NEW 084670702 7,425 27,806 SH   DFND   25,581 0 2,225
ISHARES CORE TOTAL U.S. BOND MARKET ETF CORE US AGGBD ET 464287226 7,810 80,875 SH   DFND   80,875 0 0
NEXTERA ENERGY INC COM 65339F101 8,605 109,738 SH   DFND   105,738 0 4,000
ABBOTT LABS COM 002824100 8,707 89,988 SH   DFND   83,013 0 6,975
AMGEN INC COM 031162100 9,508 42,182 SH   DFND   41,521 0 661
UNION PACIFIC CORP COM 907818108 10,318 52,962 SH   DFND   51,972 0 990
INVESCO QQQ TRUST SERIES 1 UNIT SER 1 46090E103 10,871 40,674 SH   DFND   40,310 0 364
EATON CORP, PLC SHS G29183103 11,253 84,381 SH   DFND   83,506 0 875
ISHARES RUSSELL 1000 VALUE INDEX FUND RUS 1000 VAL ETF 464287598 11,819 86,914 SH   DFND   38,957 0 47,957
ABBVIE INC. COM 00287Y109 12,217 91,028 SH   DFND   76,026 0 15,002
UNILEVER PLC SPONSORED ADR SPON ADR NEW 904767704 12,403 282,907 SH   DFND   274,453 0 8,454
EXXON MOBIL CORP COM 30231G102 12,645 144,825 SH   DFND   138,165 0 6,660
TRUIST FINANCIAL CORP COM 89832Q109 13,008 298,752 SH   DFND   296,401 0 2,351
JOHNSON CONTROLS INTERNATIONAL PLC SHS G51502105 13,056 265,263 SH   DFND   263,924 0 1,339
AMERICAN ELECTRIC POWER COM 025537101 13,095 151,473 SH   DFND   146,550 0 4,923
ISHARES RUSSELL 1000 GROWTH INDEX FUND RUS 1000 GRW ETF 464287614 13,341 63,406 SH   DFND   37,243 0 26,163
QUALCOMM INC COM 747525103 13,607 120,440 SH   DFND   120,190 0 250
COMCAST CORP NEW COM CL A CL A 20030N101 14,710 501,542 SH   DFND   294,362 0 207,180
INVESCO TAXABLE MUNICIPAL BOND PORTFOLIO TAXABLE MUN BD 46138G805 15,080 587,932 SH   DFND   582,801 0 5,131
ISHARES ULTRA SHORT-TERM BOND ULTR SH TRM BD 46434V878 16,466 329,261 SH   DFND   242,192 0 87,069
BERKSHIRE HATHAWAY INC DEL CL A 084670108 16,665 41 SH   DFND   41 0 0
INVESCO S&P 500 EQUAL WEIGHT ETF S&P500 EQL WGT 46137V357 18,187 142,887 SH   DFND   139,760 0 3,127
ISHARES BARCLAYS 3-7 YEAR TREASURY BOND FUND 3 7 YR TREAS BD 464288661 19,278 168,295 SH   DFND   166,686 0 1,609
V F CORPORATION COM 918204108 19,927 666,229 SH   DFND   661,469 300 4,460
GENUINE PARTS CO COM 372460105 21,108 141,360 SH   DFND   140,480 0 880
DISNEY WALT PRODUCTIONS COM DISNEY 254687106 21,758 230,658 SH   DFND   169,074 0 61,584
DOW INC COM 260557103 21,764 495,427 SH   DFND   494,590 0 837
PHILIP MORRIS INTL,INC COM 718172109 22,100 266,235 SH   DFND   264,955 0 1,280
INTUIT INC COM 461202103 22,179 57,264 SH   DFND   56,839 90 335
PFIZER INC COM 717081103 23,292 532,265 SH   DFND   519,648 0 12,617
LOCKHEED MARTIN CORP COM 539830109 24,638 63,781 SH   DFND   62,901 0 880
MCCORMICK & CO COM NON VTG 579780206 24,782 347,721 SH   DFND   345,496 350 1,875
SKYWORKS SOLUTIONS INC COM 83088M102 30,701 360,049 SH   DFND   358,834 0 1,215
PROCTER & GAMBLE COM 742718109 31,613 250,400 SH   DFND   207,165 0 43,235
HOME DEPOT INC COM 437076102 33,882 122,788 SH   DFND   121,259 0 1,529
VANGUARD DIVIDEND DIV APP ETF 921908844 34,988 258,863 SH   DFND   170,493 0 88,370
ISHARES INTERMEDIATE TERM CORP BOND ETF INTERM CR BD ETF 464288638 38,201 791,231 SH   DFND   781,822 0 9,409
VANGUARD FTSE EUROPE ETF FTSE EUROPE ETF 922042874 39,059 846,359 SH   DFND   830,858 0 15,501
VANGUARD TOTAL STOCK MARKET TOTAL STK MKT 922908769 39,877 222,195 SH   DFND   214,959 0 7,236
ILLINOIS TOOL WKS INC COM 452308109 41,172 227,908 SH   DFND   226,239 199 1,470
VANGUARD FTSE ALL WORLD SC ETF FTSE SMCAP ETF 922042718 41,327 445,286 SH   DFND   433,941 587 10,758
ISHARES FLOATING RATE BOND E FLTG RATE NT ETF 46429B655 49,422 983,124 SH   DFND   970,282 645 12,197
AMERICAN TOWER CORP COM 03027X100 49,717 231,566 SH   DFND   229,845 301 1,420
SPDR TR UNIT SER 1 TR UNIT 78462F103 50,583 141,617 SH   DFND   99,986 0 41,631
NIKE INC CL B CL B 654106103 52,778 634,963 SH   DFND   565,423 285 69,255
CISCO SYS INC COM 17275R102 55,598 1,389,944 SH   DFND   1,381,288 944 7,712
GOLDMAN SACHS ACTIVEBETA EMERGING MARKETS ACTIVEBETA EME 381430206 56,165 2,174,408 SH   DFND   2,111,553 0 62,855
ISHARES BARCLAYS MBS BOND FUND MBS ETF 464288588 57,113 623,643 SH   DFND   615,455 0 8,188
VANGUARD FTSE PACIFIC ETF INF TECH ETF 922042866 60,490 1,053,107 SH   DFND   1,036,572 0 16,535
AUTOMATIC DATA PROCESSING COM 053015103 60,560 267,741 SH   DFND   264,156 190 3,395
UNITED PARCEL SVC INC CL B CL B 911312106 60,760 376,130 SH   DFND   373,915 199 2,016
ISHARES 0-5 YEAR TIPS BOND ETF 0-5 YR TIPS ETF 46429B747 64,895 675,214 SH   DFND   667,402 520 7,292
MCDONALDS CORP COM 580135101 65,674 284,624 SH   DFND   266,177 311 18,136
ISHARES SHORT-TERM CORPORATE BOND ETF 1-3 YR CR BD ETF 464288646 77,443 1,571,493 SH   DFND   1,554,890 0 16,603
CHEVRON CORPORATION COM 166764100 78,343 545,296 SH   DFND   535,279 364 9,653
AON PLC SHS CL A G0403H108 79,513 296,836 SH   DFND   276,367 210 20,259
COCA-COLA CO COM 191216100 81,818 1,460,518 SH   DFND   1,259,059 385 201,074
MEDTRONIC PLC SHS G5960L103 82,200 1,017,952 SH   DFND   935,483 738 81,731
MERCK & CO COM 58933Y105 84,778 984,422 SH   DFND   971,817 888 11,717
TEXAS INSTRUMENTS INC COM 882508104 88,587 572,341 SH   DFND   521,901 195 50,245
STARBUCKS CORP COM 855244109 89,738 1,065,018 SH   DFND   944,509 525 119,984
THERMO FISHER SCIENTIFIC INC COM 883556102 97,452 192,141 SH   DFND   177,762 150 14,229
AIR PRODUCTS & CHEMICALS INC COM 009158106 98,040 421,262 SH   DFND   377,887 207 43,168
BAXTER INTL INC COM 071813109 100,349 1,863,139 SH   DFND   1,663,275 1,058 198,806
S&P GLOBAL INC COM 78409V104 100,425 328,886 SH   DFND   288,822 360 39,704
ORACLE SYS CORP COM 68389X105 100,601 1,647,311 SH   DFND   1,450,839 786 195,686
ISHARES CORE S&P 500 ETF CORE S&P ETF 464287200 108,904 303,649 SH   DFND   300,927 100 2,622
DUPONT DE NEMOURS INC COM 26614N102 109,580 2,174,197 SH   DFND   1,968,179 1,187 204,831
ISHARES CORE S&P MID-CAP ETF CORE S&P MCP ETF 464287507 110,936 505,955 SH   DFND   495,999 479 9,477
ISHARES CORE MSCI EAFE ETF CORE MSCI EAFE 46432F842 114,885 2,181,215 SH   DFND   2,112,203 2,162 66,850
BECTON DICKINSON COM 075887109 116,008 520,611 SH   DFND   449,442 403 70,766
TJX COS INC NEW COM 872540109 122,518 1,972,287 SH   DFND   1,667,519 1,014 303,754
HONEYWELL INTERNATIONAL, INC. COM 438516106 151,733 908,747 SH   DFND   822,696 705 85,346
COSTCO WHSL CORP NEW COM COM 22160K105 160,191 339,194 SH   DFND   301,316 263 37,615
RAYTHEON TECHNOLOGIES CORP COM 75513E101 165,577 2,022,681 SH   DFND   1,824,654 1,403 196,624
BLACKROCK INC COM 09247X101 180,652 328,291 SH   DFND   289,532 164 38,595
ISHARES CORE S&P SMALL-CAP ETF CORE S&P SCP ETF 464287804 181,668 2,083,588 SH   DFND   2,033,641 2,109 47,838
MASTERCARD CLA 57636Q104 184,598 649,217 SH   DFND   563,455 410 85,352
J.P. MORGAN CHASE & CO COM 46625H100 186,172 1,781,552 SH   DFND   1,598,523 961 182,068
ACCENTURE LTD SHS CLASS A G1151C101 197,065 765,895 SH   DFND   654,423 452 111,020
DOLLAR GENERAL CORP COM 256677105 199,185 830,420 SH   DFND   741,147 537 88,736
LOWES COS INC COM 548661107 205,025 1,091,661 SH   DFND   950,404 420 140,837
PEPSICO INC COM 713448108 213,083 1,305,178 SH   DFND   1,157,681 512 146,985
JOHNSON & JOHNSON COM 478160104 218,424 1,337,074 SH   DFND   1,194,748 886 141,440
CVS HEALTH CORPORATION COM 126650100 219,607 2,302,689 SH   DFND   2,039,926 1,099 261,664
ISHARES CORE MSCI EMERGING MARKETS ETF CORE MSCI EMKT 46434G103 230,991 5,374,375 SH   DFND   5,242,203 6,448 125,724
UNITEDHEALTH GROUP INC COM 91324P102 243,389 481,920 SH   DFND   410,441 262 71,217
MICROSOFT CORP COM 594918104 308,317 1,323,818 SH   DFND   1,200,421 830 122,567
APPLE INC COM 037833100 363,307 2,628,849 SH   DFND   2,325,583 1,884 301,382