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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AT&T INC Com 00206R102   333,700 18,126 SH   SOLE 0 18,126 0 0
AT&T INC Com 00206R102   251,536 13,663 SH   DFND 0 13,663 0 0
ABBOTT LABORATORIES Com 002824100   2,124,217 19,348 SH   SOLE 0 19,232 0 116
ABBOTT LABORATORIES Com 002824100   90,687 826 SH   DFND 0 826 0 0
ABBVIE INC Com 00287Y109   2,784,540 17,230 SH   SOLE 0 17,230 0 0
ABBVIE INC Com 00287Y109   103,269 639 SH   DFND 0 639 0 0
ADOBE INC Com 00724F101   5,202,417 15,459 SH   SOLE 0 15,178 0 281
ADVANCED ENERGY INDUSTRIES INC Com 007973100   413,803 4,824 SH   SOLE 0 4,751 0 73
AIR PRODUCTS & CHEMICALS INC Com 009158106   530,824 1,722 SH   SOLE 0 1,722 0 0
ALPHABET INC CL C Com 02079K107   5,682,624 64,044 SH   SOLE 0 63,744 0 300
ALPHABET INC CL C Com 02079K107   83,406 940 SH   DFND 0 940 0 0
ALPHABET INC CL A Com 02079K305   10,402,405 117,901 SH   SOLE 0 116,501 0 1,400
ALPHABET INC CL A Com 02079K305   82,936 940 SH   DFND 0 940 0 0
AMAZON COM INC Com 023135106   11,520,516 137,149 SH   SOLE 0 135,889 0 1,260
AMAZON COM INC Com 023135106   146,328 1,742 SH   DFND 0 1,742 0 0
AMEREN CORP Com 023608102   419,702 4,720 SH   SOLE 0 4,720 0 0
AMERICAN EXPRESS CO Com 025816109   960,375 6,500 SH   SOLE 0 6,500 0 0
AMERICAN NATIONAL BANKSHARES INC Com 027745108   368,709 9,984 SH   SOLE 0 9,984 0 0
AMERICAN TOWER CORP Com 03027X100   1,431,750 6,758 SH   SOLE 0 6,614 0 144
AMGEN INC Com 031162100   7,627,591 29,042 SH   SOLE 0 28,967 0 75
AMGEN INC Com 031162100   817,598 3,113 SH   DFND 0 3,113 0 0
ANALOG DEVICES INC Com 032654105   446,162 2,720 SH   SOLE 0 2,720 0 0
APPLE INC Com 037833100   42,145,914 324,374 SH   SOLE 0 321,391 0 2,983
APPLE INC Com 037833100   486,978 3,748 SH   DFND 0 3,748 0 0
APPLIED MATERIALS INC Com 038222105   628,588 6,455 SH   SOLE 0 6,455 0 0
AUTOMATIC DATA PROCESSING INC Com 053015103   1,847,104 7,733 SH   SOLE 0 7,685 0 48
AUTOMATIC DATA PROCESSING INC Com 053015103   878,766 3,679 SH   DFND 0 3,679 0 0
AUTOZONE INC Com 053332102   320,603 130 SH   SOLE 0 130 0 0
BALL CORP Com 058498106   307,556 6,014 SH   SOLE 0 6,014 0 0
BANK OF AMERICA CORP Com 060505104   368,758 11,134 SH   SOLE 0 11,134 0 0
BANK OF AMERICA CORP Com 060505104   49,680 1,500 SH   DFND 0 1,500 0 0
BECTON DICKINSON & CO Com 075887109   233,702 919 SH   SOLE 0 919 0 0
BECTON DICKINSON & CO Com 075887109   18,310 72 SH   DFND 0 72 0 0
BERKSHIRE HATHAWAY INC A Com 084670108   468,711 1 SH   SOLE 0 1 0 0
BERKSHIRE HATHAWAY INC B Com 084670702   12,342,408 39,956 SH   SOLE 0 39,509 0 447
BERKSHIRE HATHAWAY INC B Com 084670702   63,016 204 SH   DFND 0 204 0 0
BLACKROCK INC Com 09247X101   755,400 1,066 SH   SOLE 0 1,057 0 9
BRISTOL MYERS SQUIBB CO Com 110122108   1,842,783 25,612 SH   SOLE 0 25,478 0 134
BRISTOL MYERS SQUIBB CO Com 110122108   454,364 6,315 SH   DFND 0 6,315 0 0
BROADCOM INC Com 11135F101   17,369,373 31,065 SH   SOLE 0 30,731 0 334
BROADCOM INC Com 11135F101   129,718 232 SH   DFND 0 232 0 0
CSX CORP Com 126408103   216,736 6,996 SH   SOLE 0 6,996 0 0
CVS HEALTH CORPORATION Com 126650100   5,414,339 58,100 SH   SOLE 0 57,151 0 949
CVS HEALTH CORPORATION Com 126650100   93,190 1,000 SH   DFND 0 1,000 0 0
CARRIER GLOBAL CORP Com 14448C104   449,543 10,898 SH   SOLE 0 10,898 0 0
CARRIER GLOBAL CORP Com 14448C104   12,375 300 SH   DFND 0 300 0 0
CATERPILLAR INC Com 149123101   365,808 1,527 SH   SOLE 0 1,527 0 0
CENTENE CORP Com 15135B101   410,624 5,007 SH   SOLE 0 4,867 0 140
CHEVRON CORPORATION Com 166764100   1,471,100 8,196 SH   SOLE 0 8,196 0 0
CHEVRON CORPORATION Com 166764100   414,083 2,307 SH   DFND 0 2,307 0 0
CISCO SYSTEMS INC Com 17275R102   13,595,217 285,374 SH   SOLE 0 282,753 0 2,621
CISCO SYSTEMS INC Com 17275R102   255,541 5,364 SH   DFND 0 5,364 0 0
CITIZENS FINANCIAL GROUP INC Com 174610105   4,484,046 113,895 SH   SOLE 0 113,395 0 500
CITIZENS FINANCIAL GROUP INC Com 174610105   9,843 250 SH   DFND 0 250 0 0
COCA COLA CO Com 191216100   978,195 15,378 SH   SOLE 0 15,378 0 0
COCA COLA CO Com 191216100   127,220 2,000 SH   DFND 0 2,000 0 0
COLGATE PALMOLIVE INC Com 194162103   249,607 3,168 SH   SOLE 0 3,115 0 53
COMCAST CORP Com 20030N101   6,933,397 198,267 SH   SOLE 0 197,987 0 280
COMCAST CORP Com 20030N101   4,371 125 SH   DFND 0 125 0 0
COMERICA INC Com 200340107   1,316,945 19,700 SH   SOLE 0 19,700 0 0
CONSOLIDATED EDISON INC Com 209115104   593,305 6,225 SH   SOLE 0 6,225 0 0
COSTCO WHOLESALE CORP Com 22160K105   1,017,995 2,230 SH   SOLE 0 2,230 0 0
COUPANG INC Com 22266T109   2,410,616 163,876 SH   SOLE 0 163,876 0 0
DXC TECHNOLOGY CO Com 23355L106   653,119 24,646 SH   SOLE 0 24,412 0 234
DANAHER CORP Com 235851102   1,412,300 5,321 SH   SOLE 0 5,321 0 0
DANAHER CORP Com 235851102   12,209 46 SH   DFND 0 46 0 0
DEERE & COMPANY Com 244199105   486,214 1,134 SH   SOLE 0 1,134 0 0
DEERE & COMPANY Com 244199105   11,148 26 SH   DFND 0 26 0 0
DIMENSIONAL EMERG CORE EQ MKT ETF Com 25434V302   15,217,496 693,280 SH   SOLE 0 687,507 0 5,773
WALT DISNEY CO Com 254687106   554,208 6,379 SH   SOLE 0 6,379 0 0
WALT DISNEY CO Com 254687106   10,860 125 SH   DFND 0 125 0 0
DOLLAR GENERAL CORP Com 256677105   9,278,454 37,679 SH   SOLE 0 37,484 0 195
DUKE ENERGY CORP Com 26441C204   116,276 1,129 SH   SOLE 0 1,129 0 0
DUKE ENERGY CORP Com 26441C204   122,558 1,190 SH   DFND 0 1,190 0 0
ECOLAB INC Com 278865100   217,758 1,496 SH   SOLE 0 1,496 0 0
EDWARDS LIFESCIENCES CORP Com 28176E108   1,535,026 20,574 SH   SOLE 0 20,574 0 0
EDWARDS LIFESCIENCES CORP Com 28176E108   3,731 50 SH   DFND 0 50 0 0
EMERSON ELECTRIC CO Com 291011104   7,039,661 73,284 SH   SOLE 0 72,484 0 800
EMERSON ELECTRIC CO Com 291011104   286,355 2,981 SH   DFND 0 2,981 0 0
EVERGY INC Com 30034W106   5,702,276 90,613 SH   SOLE 0 90,113 0 500
EVERGY INC Com 30034W106   47,198 750 SH   DFND 0 750 0 0
EXELON CORP Com 30161N101   270,620 6,260 SH   SOLE 0 6,260 0 0
EXXON MOBIL CORP Com 30231G102   3,254,843 29,509 SH   SOLE 0 29,509 0 0
EXXON MOBIL CORP Com 30231G102   85,483 775 SH   DFND 0 775 0 0
FEDERATED HERMES INC Com 314211103   10,688,901 294,379 SH   SOLE 0 292,177 0 2,202
FEDERATED HERMES INC Com 314211103   42,483 1,170 SH   DFND 0 1,170 0 0
FIRST TRUST GLOBAL WIND ENERGY ETF Com 33736G106   1,782,228 102,900 SH   SOLE 0 102,300 0 600
FIRST TRUST GLOBAL WIND ENERGY ETF Com 33736G106   20,784 1,200 SH   DFND 0 1,200 0 0
FLEXSHARES STOXX GLOBAL BROAD INFRA ETF Com 33939L795   579,413 11,494 SH   SOLE 0 11,494 0 0
FLEXSHARES QUALITY DIV DEFENSIVE ETF Com 33939L845   425,749 8,275 SH   SOLE 0 8,275 0 0
FLEXSHARES QUALITY DVD ETF Com 33939L860   8,844,848 168,153 SH   SOLE 0 166,403 0 1,750
FORD MOTOR CO Com 345370860   138,199 11,883 SH   SOLE 0 11,883 0 0
FORD MOTOR CO Com 345370860   1,745 150 SH   DFND 0 150 0 0
GENERAL DYNAMICS CORP Com 369550108   30,766 124 SH   SOLE 0 124 0 0
GENERAL DYNAMICS CORP Com 369550108   213,375 860 SH   DFND 0 860 0 0
GENERAL MILLS INC Com 370334104   119,402 1,424 SH   SOLE 0 1,424 0 0
GENERAL MILLS INC Com 370334104   111,101 1,325 SH   DFND 0 1,325 0 0
GENERAL MOTORS CO Com 37045V100   414,310 12,316 SH   SOLE 0 12,316 0 0
GENERAL MOTORS CO Com 37045V100   1,682 50 SH   DFND 0 50 0 0
GSK PLC Com 37733W204   248,053 7,059 SH   SOLE 0 7,059 0 0
GOLDMAN SACHS ACTIVEBETA INTL EQUITY ETF Com 381430107   11,863,979 412,230 SH   SOLE 0 406,288 0 5,942
GOLDMAN SACHS ACTIVEBETA INTL EQUITY ETF Com 381430107   17,297 601 SH   DFND 0 601 0 0
GOLDMAN SACHS ACTIVEBETA US LGE CAP EQ ETF Com 381430503   6,252,938 82,135 SH   SOLE 0 80,185 0 1,950
GOLDMAN SACHS ACTIVEBETA US LGE CAP EQ ETF Com 381430503   9,059 119 SH   DFND 0 119 0 0
JACK HENRY & ASSOCIATES INC Com 426281101   303,719 1,730 SH   SOLE 0 1,730 0 0
HERSHEY COMPANY Com 427866108   439,983 1,900 SH   SOLE 0 1,900 0 0
HOLOGIC INC Com 436440101   738,300 9,869 SH   SOLE 0 9,699 0 170
HOME DEPOT INC Com 437076102   12,225,677 38,706 SH   SOLE 0 38,293 0 413
HOME DEPOT INC Com 437076102   213,206 675 SH   DFND 0 675 0 0
HONEYWELL INTL INC Com 438516106   996,495 4,650 SH   SOLE 0 4,650 0 0
HONEYWELL INTL INC Com 438516106   128,580 600 SH   DFND 0 600 0 0
ILLINOIS TOOL WORKS INC Com 452308109   225,587 1,024 SH   SOLE 0 968 0 56
ILLINOIS TOOL WORKS INC Com 452308109   620,365 2,816 SH   DFND 0 2,816 0 0
INTEL CORP Com 458140100   8,285,514 313,489 SH   SOLE 0 311,177 0 2,312
INTEL CORP Com 458140100   332,252 12,571 SH   DFND 0 12,571 0 0
INTERNATIONAL BUSINESS MACHINES CORP Com 459200101   1,320,139 9,370 SH   SOLE 0 9,370 0 0
INTERNATIONAL BUSINESS MACHINES CORP Com 459200101   28,178 200 SH   DFND 0 200 0 0
INVESCO QQQ TRUST SERIES 1 ETF Com 46090E103   380,514 1,429 SH   SOLE 0 1,429 0 0
INVESCO WATER RESOURCES ETF Com 46137V142   1,256,081 24,371 SH   SOLE 0 24,021 0 350
INVESCO WATER RESOURCES ETF Com 46137V142   25,770 500 SH   DFND 0 500 0 0
INVESCO MSCI SUSTAINABLE FUTURE ETF Com 46137V407   715,028 14,965 SH   SOLE 0 14,645 0 320
INVESCO MSCI SUSTAINABLE FUTURE ETF Com 46137V407   20,307 425 SH   DFND 0 425 0 0
INVESCO SOLAR ETF Com 46138G706   1,873,391 25,684 SH   SOLE 0 25,515 0 169
INVESCO SOLAR ETF Com 46138G706   36,470 500 SH   DFND 0 500 0 0
ISHARES SELECT DIVIDEND ETF Com 464287168   1,170,785 9,708 SH   SOLE 0 9,708 0 0
ISHARES CORE S&P 500 ETF Com 464287200   22,024,070 57,323 SH   SOLE 0 55,909 0 1,414
ISHARES CORE TOTAL AGGR US BOND ETF Com 464287226   317,545 3,274 SH   SOLE 0 3,274 0 0
ISHARES IBOXX INV GRADE CORP BD ETF Com 464287242   1,040,805 9,872 SH   SOLE 0 9,872 0 0
ISHARES MSCI EAFE INDEX ETF Com 464287465   1,263,898 19,255 SH   SOLE 0 19,255 0 0
ISHARES MSCI EAFE INDEX ETF Com 464287465   85,726 1,306 SH   DFND 0 1,306 0 0
ISHARES CORE S&P MIDCAP ETF Com 464287507   1,027,549 4,248 SH   SOLE 0 4,248 0 0
ISHARES RUSSELL 1000 GROWTH ETF Com 464287614   301,436 1,407 SH   SOLE 0 1,407 0 0
ISHARES RUSSELL 2000 ETF Com 464287655   256,309 1,470 SH   SOLE 0 1,470 0 0
ISHARES RUSSELL 3000 ETF Com 464287689   1,460,240 6,617 SH   SOLE 0 6,617 0 0
ISHARES CORE S&P SMALL CAP ETF Com 464287804   399,759 4,224 SH   SOLE 0 4,224 0 0
ISHARES CORE S&P SMALL CAP ETF Com 464287804   17,224 182 SH   DFND 0 182 0 0
ISHARES GLBL TIMBER & FORESTRY ETF Com 464288174   377,864 5,194 SH   SOLE 0 5,125 0 69
ISHARES NATL MUNI BOND ETF Com 464288414   14,694,821 139,261 SH   SOLE 0 137,392 0 1,869
ISHARES NATL MUNI BOND ETF Com 464288414   207,558 1,967 SH   DFND 0 1,967 0 0
ISHARES MSCI USA ESG SELECT SOCIAL IDX ETF Com 464288802   1,846,355 22,429 SH   SOLE 0 22,269 0 160
ISHARES MSCI EAFE GROWTH ETF Com 464288885   283,779 3,388 SH   SOLE 0 3,388 0 0
ISHARES MSCI EAFE MIN VOL FACTOR ETF Com 46429B689   6,189,047 97,335 SH   SOLE 0 96,995 0 340
ISHARES EDGE MSCI MIN VOL USA ETF Com 46429B697   271,961 3,772 SH   SOLE 0 3,772 0 0
ISHARES EDGE MSCI USA QUAL FACT ETF Com 46432F339   2,571,849 22,568 SH   SOLE 0 22,568 0 0
ISHARES CORE MSCI EAFE ETF Com 46432F842   32,510,539 527,426 SH   SOLE 0 523,816 0 3,610
ISHARES CORE MSCI EAFE ETF Com 46432F842   21,574 350 SH   DFND 0 350 0 0
ISHARES U S EQUITY FACTOR ETF Com 46434V282   234,840 6,020 SH   SOLE 0 6,020 0 0
ISHARES MSCI INTL QUAL FACTOR ETF Com 46434V456   9,260,852 285,917 SH   SOLE 0 284,917 0 1,000
ISHARES MSCI INTL QUAL FACTOR ETF Com 46434V456   10,430 322 SH   DFND 0 322 0 0
ISHARES CORE DIVIDEND GROWTH ETF Com 46434V621   39,403,050 788,061 SH   SOLE 0 779,049 0 9,012
JP MORGAN CHASE & CO Com 46625H100   12,876,953 96,025 SH   SOLE 0 95,467 0 558
JP MORGAN CHASE & CO Com 46625H100   93,200 695 SH   DFND 0 695 0 0
JOHNSON & JOHNSON CO Com 478160104   10,110,563 57,235 SH   SOLE 0 56,279 0 956
JOHNSON & JOHNSON CO Com 478160104   609,089 3,448 SH   DFND 0 3,448 0 0
KELLOGG CO Com 487836108   284,960 4,000 SH   SOLE 0 4,000 0 0
KEYCORP NEW Com 493267108   703,524 40,386 SH   SOLE 0 40,106 0 280
KIMBERLY-CLARK CORP Com 494368103   1,296,548 9,551 SH   SOLE 0 9,551 0 0
KIMBERLY-CLARK CORP Com 494368103   298,650 2,200 SH   DFND 0 2,200 0 0
KROGER CO Com 501044101   14,637,486 328,342 SH   SOLE 0 325,730 0 2,612
KROGER CO Com 501044101   2,942 66 SH   DFND 0 66 0 0
L3 HARRIS TECHNOLOGIES INC Com 502431109   4,942,073 23,736 SH   SOLE 0 23,636 0 100
ELI LILLY & CO Com 532457108   1,330,194 3,636 SH   SOLE 0 3,636 0 0
ELI LILLY & CO Com 532457108   242,918 664 SH   DFND 0 664 0 0
LINCOLN ELECTRIC HOLDINGS Com 533900106   6,993,605 48,402 SH   SOLE 0 47,775 0 627
LOWES COMPANIES INC Com 548661107   8,677,699 43,554 SH   SOLE 0 43,554 0 0
MARSH & MCLENNAN CO INC Com 571748102   264,933 1,601 SH   SOLE 0 1,601 0 0
MASTERCARD INC CL A Com 57636Q104   1,615,554 4,646 SH   SOLE 0 4,276 0 370
MASTERCARD INC CL A Com 57636Q104   34,773 100 SH   DFND 0 100 0 0
MCDONALDS CORP Com 580135101   857,000 3,252 SH   SOLE 0 3,252 0 0
MCDONALDS CORP Com 580135101   237,704 902 SH   DFND 0 902 0 0
MERCK & CO INC Com 58933Y105   16,570,161 149,348 SH   SOLE 0 148,689 0 659
MERCK & CO INC Com 58933Y105   205,258 1,850 SH   DFND 0 1,850 0 0
METLIFE INC Com 59156R108   6,275,926 86,720 SH   SOLE 0 86,520 0 200
METLIFE INC Com 59156R108   60,863 841 SH   DFND 0 841 0 0
MICROSOFT CORP Com 594918104   33,790,638 140,900 SH   SOLE 0 139,587 0 1,313
MICROSOFT CORP Com 594918104   1,203,657 5,019 SH   DFND 0 5,019 0 0
MONDELEZ INTERNATIONAL INC A Com 609207105   13,175,839 197,687 SH   SOLE 0 196,333 0 1,354
MONDELEZ INTERNATIONAL INC A Com 609207105   53,320 800 SH   DFND 0 800 0 0
MORGAN STANLEY Com 617446448   406,736 4,784 SH   SOLE 0 4,784 0 0
NASDAQ INC Com 631103108   148,528 2,421 SH   SOLE 0 2,421 0 0
NASDAQ INC Com 631103108   110,430 1,800 SH   DFND 0 1,800 0 0
NEXTERA ENERGY INC Com 65339F101   3,724,631 44,553 SH   SOLE 0 44,553 0 0
NIKE INC CLASS B Com 654106103   2,168,897 18,536 SH   SOLE 0 18,536 0 0
NIKE INC CLASS B Com 654106103   11,701 100 SH   DFND 0 100 0 0
NORFOLK SOUTHERN CORP Com 655844108   205,514 834 SH   SOLE 0 834 0 0
NORFOLK SOUTHERN CORP Com 655844108   24,642 100 SH   DFND 0 100 0 0
NOVARTIS AG ADR Com 66987V109   156,946 1,730 SH   SOLE 0 1,730 0 0
NOVARTIS AG ADR Com 66987V109   61,055 673 SH   DFND 0 673 0 0
NOVO-NORDISK A/S SPONS ADR Com 670100205   33,294 246 SH   SOLE 0 246 0 0
NOVO-NORDISK A/S SPONS ADR Com 670100205   189,476 1,400 SH   DFND 0 1,400 0 0
NVIDIA CORP Com 67066G104   205,034 1,403 SH   SOLE 0 1,403 0 0
NUVEEN MUNI VALUE FUND Com 670928100   334,282 38,870 SH   DFND 0 38,870 0 0
ORACLE CORPORATION Com 68389X105   13,400,864 163,945 SH   SOLE 0 163,387 0 558
ORACLE CORPORATION Com 68389X105   35,802 438 SH   DFND 0 438 0 0
PNC FINANCIAL SERVICES GROUP Com 693475105   4,908,617 31,079 SH   SOLE 0 30,480 0 599
PNC FINANCIAL SERVICES GROUP Com 693475105   9,792 62 SH   DFND 0 62 0 0
PPG INDUSTRIES Com 693506107   233,122 1,854 SH   SOLE 0 1,854 0 0
PPG INDUSTRIES Com 693506107   36,339 289 SH   DFND 0 289 0 0
PPL CORP Com 69351T106   340,413 11,650 SH   SOLE 0 11,650 0 0
PPL CORP Com 69351T106   11,688 400 SH   DFND 0 400 0 0
PAYCHEX INC Com 704326107   260,010 2,250 SH   SOLE 0 2,250 0 0
PEPSICO INC Com 713448108   3,360,637 18,602 SH   SOLE 0 18,602 0 0
PEPSICO INC Com 713448108   780,451 4,320 SH   DFND 0 4,320 0 0
PFIZER INC Com 717081103   17,725,146 345,924 SH   SOLE 0 343,376 0 2,548
PFIZER INC Com 717081103   839,926 16,392 SH   DFND 0 16,392 0 0
PHILIP MORRIS INTERNATIONAL INC Com 718172109   423,969 4,189 SH   SOLE 0 4,189 0 0
PROCTER & GAMBLE CO Com 742718109   11,923,225 78,670 SH   SOLE 0 77,679 0 991
PROCTER & GAMBLE CO Com 742718109   597,146 3,940 SH   DFND 0 3,940 0 0
PUBLIC SERVICE ENTERPRISE GROUP Com 744573106   11,782,956 192,312 SH   SOLE 0 190,694 0 1,618
RAYTHEON TECHNOLOGIES CORP Com 75513E101   1,823,927 18,073 SH   SOLE 0 18,073 0 0
RAYTHEON TECHNOLOGIES CORP Com 75513E101   30,276 300 SH   DFND 0 300 0 0
REGENERON PHARMACEUTICALS INC Com 75886F107   6,036,707 8,367 SH   SOLE 0 8,246 0 121
REPLIGEN CORP Com 759916109   3,703,995 21,877 SH   SOLE 0 21,877 0 0
ROPER TECHNOLOGIES, INC Com 776696106   464,497 1,075 SH   SOLE 0 1,075 0 0
SHELL PLC ADR Com 780259305   155,075 2,723 SH   SOLE 0 2,723 0 0
SHELL PLC ADR Com 780259305   225,237 3,955 SH   DFND 0 3,955 0 0
S&P GLOBAL INC Com 78409V104   261,923 782 SH   SOLE 0 782 0 0
SPDR S&P500 ETF Com 78462F103   3,644,940 9,531 SH   SOLE 0 9,531 0 0
SPDR GOLD SHARES ETF Com 78463V107   388,645 2,291 SH   SOLE 0 2,291 0 0
SPDR S&P DIVIDEND ETF Com 78464A763   2,582,521 20,642 SH   SOLE 0 20,642 0 0
SPDR S&P MIDCAP 400 ETF TRUST Com 78467Y107   203,241 459 SH   SOLE 0 459 0 0
SANOFI ADR Com 80105N105   2,258,824 46,641 SH   SOLE 0 46,641 0 0
SANOFI ADR Com 80105N105   32,497 671 SH   DFND 0 671 0 0
CHARLES SCHWAB CORP Com 808513105   577,908 6,941 SH   SOLE 0 6,941 0 0
SCHWAB US DIVIDEND EQUITY ETF Com 808524797   4,643,142 61,466 SH   SOLE 0 61,266 0 200
SPDR MATERIALS SELECT SECTOR ETF Com 81369Y100   211,911 2,728 SH   SOLE 0 2,728 0 0
SPDR HEALTH CARE SEL SECT ETF Com 81369Y209   1,193,442 8,785 SH   SOLE 0 8,785 0 0
SPDR CONSUMER STAPLES SELECT SECTOR ETF Com 81369Y308   7,974,986 106,975 SH   SOLE 0 105,163 0 1,812
SPDR CONSUMER STAPLES SELECT SECTOR ETF Com 81369Y308   14,910 200 SH   DFND 0 200 0 0
SPDR CONSUMER DISC SELECT SECTOR ETF Com 81369Y407   1,620,829 12,549 SH   SOLE 0 12,549 0 0
SPDR CONSUMER DISC SELECT SECTOR ETF Com 81369Y407   25,832 200 SH   DFND 0 200 0 0
SPDR FINANCIAL SELECT SECTOR ETF Com 81369Y605   6,742,291 197,143 SH   SOLE 0 196,643 0 500
SPDR FINANCIAL SELECT SECTOR ETF Com 81369Y605   3,420 100 SH   DFND 0 100 0 0
SPDR INDUSTRIAL SELECT SECTOR ETF Com 81369Y704   565,493 5,758 SH   SOLE 0 5,758 0 0
SPDR TECHNOLOGY SELECT SECTOR ETF Com 81369Y803   2,644,972 21,255 SH   SOLE 0 21,255 0 0
SHERWIN WILLIAMS CO Com 824348106   203,629 858 SH   SOLE 0 858 0 0
SPROTT PHYSICAL GOLD TRUST Com 85207H104   141,818 10,058 SH   SOLE 0 10,058 0 0
STARBUCKS CORP Com 855244109   7,102,125 71,594 SH   SOLE 0 71,106 0 488
STARBUCKS CORP Com 855244109   39,680 400 SH   DFND 0 400 0 0
SYSCO CORPORATION Com 871829107   246,322 3,222 SH   SOLE 0 3,222 0 0
SYSCO CORPORATION Com 871829107   305,800 4,000 SH   DFND 0 4,000 0 0
TJX COMPANIES INC Com 872540109   9,780,372 122,869 SH   SOLE 0 120,153 0 2,716
TJX COMPANIES INC Com 872540109   15,124 190 SH   DFND 0 190 0 0
TARGET CORP Com 87612E106   6,220,482 41,737 SH   SOLE 0 41,551 0 186
TARGET CORP Com 87612E106   250,089 1,678 SH   DFND 0 1,678 0 0
TETRA TECH INC Com 88162G103   634,045 4,367 SH   SOLE 0 4,367 0 0
TEXAS INSTRUMENTS INC Com 882508104   5,810,622 35,169 SH   SOLE 0 35,069 0 100
TEXAS INSTRUMENTS INC Com 882508104   143,741 870 SH   DFND 0 870 0 0
THERMO FISHER SCIENTIFIC Com 883556102   1,438,953 2,613 SH   SOLE 0 2,613 0 0
THERMO FISHER SCIENTIFIC Com 883556102   23,680 43 SH   DFND 0 43 0 0
3M CO Com 88579Y101   1,096,189 9,141 SH   SOLE 0 9,141 0 0
3M CO Com 88579Y101   17,988 150 SH   DFND 0 150 0 0
TRAVELERS COS INC Com 89417E109   533,409 2,845 SH   SOLE 0 2,845 0 0
TRUIST FINANCIAL CORP Com 89832Q109   11,323,560 263,155 SH   SOLE 0 261,785 0 1,370
TRUIST FINANCIAL CORP Com 89832Q109   173,067 4,022 SH   DFND 0 4,022 0 0
UNION PACIFIC CORP Com 907818108   841,740 4,065 SH   SOLE 0 4,065 0 0
UNION PACIFIC CORP Com 907818108   186,363 900 SH   DFND 0 900 0 0
UNITED PARCEL SERVICE INC Com 911312106   373,930 2,151 SH   SOLE 0 2,151 0 0
UNITED PARCEL SERVICE INC Com 911312106   121,688 700 SH   DFND 0 700 0 0
UNITEDHEALTH GROUP INC Com 91324P102   8,904,373 16,795 SH   SOLE 0 16,585 0 210
VANGUARD DIVIDEND APPREC ETF Com 921908844   7,650,659 50,383 SH   SOLE 0 50,383 0 0
VANGUARD ESG INTL STOCK ETF Com 921910725   1,843,789 37,483 SH   SOLE 0 37,114 0 369
VANGUARD HIGH DIVIDEND YIELD ETF Com 921946406   1,353,924 12,512 SH   SOLE 0 12,512 0 0
VANGUARD SHORT TERM TIPS ETF Com 922020805   1,804,127 38,624 SH   SOLE 0 38,624 0 0
VANGUARD FTSE PACIFIC ETF Com 922042866   5,534,615 86,008 SH   SOLE 0 85,696 0 312
VANGUARD FTSE EUROPE ETF Com 922042874   6,969,750 125,717 SH   SOLE 0 124,823 0 894
VANGUARD HEALTH CARE ETF Com 92204A504   333,875 1,346 SH   SOLE 0 1,346 0 0
VANGUARD INDUSTRIALS ETF Com 92204A603   7,439,840 40,735 SH   SOLE 0 40,285 0 450
VANGUARD INDUSTRIALS ETF Com 92204A603   11,689 64 SH   DFND 0 64 0 0
VANGUARD INFO TECH ETF Com 92204A702   370,835 1,161 SH   SOLE 0 1,161 0 0
VANGUARD S&P 500 ETF Com 922908363   300,396 855 SH   SOLE 0 855 0 0
VANGUARD MID CAP VALUE ETF Com 922908512   14,468,787 106,986 SH   SOLE 0 106,236 0 750
VANGUARD MID CAP VALUE ETF Com 922908512   88,176 652 SH   DFND 0 652 0 0
VANGUARD MID CAP GROWTH ETF Com 922908538   524,360 2,917 SH   SOLE 0 2,917 0 0
VANGUARD MID CAP GROWTH ETF Com 922908538   69,208 385 SH   DFND 0 385 0 0
VANGUARD REIT INDEX ETF Com 922908553   380,645 4,615 SH   SOLE 0 4,615 0 0
VANGUARD REIT INDEX ETF Com 922908553   144,752 1,755 SH   DFND 0 1,755 0 0
VANGUARD LARGE CAP ETF Com 922908637   8,782,119 50,414 SH   SOLE 0 50,414 0 0
VANGUARD TOTAL STOCK MKT ETF Com 922908769   4,035,065 21,105 SH   SOLE 0 21,105 0 0
VERIZON COMMUNICATIONS Com 92343V104   514,328 13,054 SH   SOLE 0 13,054 0 0
VERIZON COMMUNICATIONS Com 92343V104   296,800 7,533 SH   DFND 0 7,533 0 0
VISA INC Com 92826C839   10,236,127 49,269 SH   SOLE 0 49,009 0 260
VISA INC Com 92826C839   160,391 772 SH   DFND 0 772 0 0
WEC ENERGY GROUP INC Com 92939U106   766,676 8,177 SH   SOLE 0 8,095 0 82
WEC ENERGY GROUP INC Com 92939U106   28,128 300 SH   DFND 0 300 0 0
WALMART STORES INC Com 931142103   1,998,814 14,097 SH   SOLE 0 13,897 0 200
WALMART STORES INC Com 931142103   215,237 1,518 SH   DFND 0 1,518 0 0
WASTE MANAGEMENT Com 94106L109   305,288 1,946 SH   SOLE 0 1,946 0 0
WATTS WATER TECHNOLOGIES-A Com 942749102   701,758 4,799 SH   SOLE 0 4,709 0 90
YUM BRANDS INC Com 988498101   151,647 1,184 SH   SOLE 0 1,184 0 0
YUM BRANDS INC Com 988498101   89,656 700 SH   DFND 0 700 0 0
ACCENTURE PLC Com G1151C101   7,594,000 28,459 SH   SOLE 0 28,140 0 319
ACCENTURE PLC Com G1151C101   10,674 40 SH   DFND 0 40 0 0
EATON CORP PLC Com G29183103   8,577,318 54,650 SH   SOLE 0 54,405 0 245
EATON CORP PLC Com G29183103   131,367 837 SH   DFND 0 837 0 0
JOHNSON CONTROLS INTERNATIONAL PLC Com G51502105   4,404,544 68,821 SH   SOLE 0 68,471 0 350
LINDE PLC Com G5494J103   536,240 1,644 SH   SOLE 0 1,644 0 0
LINDE PLC Com G5494J103   73,391 225 SH   DFND 0 225 0 0
MEDTRONIC PLC Com G5960L103   5,607,887 72,155 SH   SOLE 0 71,567 0 588
TRANE TECHNOLOGIES PUBLIC LTD CO Com G8994E103   323,573 1,925 SH   SOLE 0 1,925 0 0
TRANE TECHNOLOGIES PUBLIC LTD CO Com G8994E103   840,450 5,000 SH   DFND 0 5,000 0 0