The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AFLAC INC COM 001055102 378 7,042 SH   SOLE   7,042 0 0
AT&T INC COM 00206R102 46,972 1,632,097 SH   DFND   1,585,121 0 46,975
ABBOTT LABORATORIES COM 002824100 676 5,828 SH   DFND   2,453 0 3,375
ABBVIE INC COM 00287Y109 66,004 585,973 SH   DFND   562,062 0 23,910
ADOBE INC. COM 00724F101 2,846 4,859 SH   SOLE   4,859 0 0
AGENT INFORMATION SOFTWARE I COM 00847D108 60 28,000 SH   SOLE   28,000 0 0
AIR PRODUCTS& CHEMICALS INC COM 009158106 2,346 8,156 SH   DFND   8,064 0 92
ALEXION PHARMACEUTICALS INC COM 015351109 3,602 19,605 SH   DFND   18,465 0 1,140
ALLSTATE CORP COM 020002101 355 2,719 SH   SOLE   2,719 0 0
ALPHABET CLASS C COM 02079K107 6,652 2,654 SH   DFND   2,579 0 75
ALPHABET CLASS A COM 02079K305 5,724 2,344 SH   DFND   2,274 0 70
ALTRIA GROUP INC COM 02209S103 36,964 775,246 SH   DFND   747,732 0 27,513
AMAZON.COM INC COM 023135106 7,923 2,303 SH   DFND   2,233 0 70
AMERICAN EXPRESS CO COM 025816109 3,069 18,576 SH   DFND   18,349 0 227
AMGEN INC COM 031162100 2,953 12,115 SH   DFND   11,990 0 125
APPLE INC COM 037833100 32,191 235,040 SH   DFND   231,576 0 3,464
APPLIED MATERIALS INC COM 038222105 2,491 17,493 SH   SOLE   17,493 0 0
ARES CAPITAL CORP COM 04010L103 273 13,950 SH   SOLE   13,950 0 0
ASTRAZENECA PLC - ADR COM 046353108 1,684 28,120 SH   DFND   27,495 0 625
AXA - SP ADR COM 054536107 249 9,765 SH   SOLE   9,765 0 0
BP PLC - ADR COM 055622104 329 12,444 SH   SOLE   12,444 0 0
BANK OF AMERICA CORP COM 060505104 69,573 1,687,442 SH   DFND   1,609,472 0 77,970
BANK OF NEW YORK MELLON CORP COM 064058100 2,203 43,005 SH   DFND   40,965 0 2,040
BARCLAYS PLC - ADR COM 06738E204 100 10,350 SH   SOLE   10,350 0 0
BERKSHIRE HATHAWAY INC - CL A COM 084670108 419 1 SH   SOLE   1 0 0
BERKSHIRE HATHAWAY INC - CL B COM 084670702 687 2,473 SH   SOLE   2,473 0 0
BHP BILLITON LTD - SP ADR COM 088606108 1,285 17,650 SH   DFND   16,650 0 1,000
BLACKROCK INC COM 09247X101 48,284 55,183 SH   DFND   52,896 0 2,287
WM BLAIR INTL GROWTH FUND-I FUND 093001774 218 5,065 SH   DFND   2,165 0 2,900
BOEING COMPANY COM 097023105 1,079 4,504 SH   SOLE   4,504 0 0
BORGWARNER INC COM 099724106 4,110 84,673 SH   DFND   82,170 0 2,503
BRISTOL-MYERS SQUIBB CO COM 110122108 62,299 932,345 SH   DFND   897,434 0 34,910
BRITISH AMERN TOBACCO PLC ADR COM 110448107 345 8,782 SH   SOLE   8,782 0 0
BROADCOM INC COM 11135F101 53,633 112,474 SH   DFND   107,447 0 5,027
CK HUTCHISON HOLDIN-UNSP ADR COM 12562Y100 229 29,625 SH   SOLE   29,625 0 0
CVS HEALTH CORPORATION COM 126650100 57,874 693,600 SH   DFND   670,210 0 23,390
CABOT OIL& GAS CORP COM 127097103 5,129 293,775 SH   DFND   280,825 0 12,950
CAPITAL WORLD GROWTH& INC-A FUND 140543109 259 3,987 SH   SOLE   3,987 0 0
CATERPILLAR INC COM 149123101 988 4,540 SH   SOLE   4,540 0 0
CHARTER COMMUNICATIONS INC-A COM 16119P108 441 611 SH   SOLE   611 0 0
CHEVRON CORP COM 166764100 48,349 461,607 SH   DFND   443,230 0 18,377
CISCO SYSTEMS INC COM 17275R102 67,587 1,275,231 SH   DFND   1,224,967 0 50,263
CITIGROUP INC COM 172967424 343 4,846 SH   SOLE   4,846 0 0
COCA-COLA COMPANY COM 191216100 214 3,959 SH   SOLE   3,959 0 0
COMCAST CORP - CL A COM 20030N101 35,808 627,998 SH   DFND   597,728 0 30,270
CORNING INC COM 219350105 45,003 1,100,319 SH   DFND   1,070,934 0 29,385
COSTCO WHOLESALE CORP COM 22160K105 1,476 3,729 SH   SOLE   3,729 0 0
DFA US CORE EQUITY 1 PORT FUND 233203413 215 6,242 SH   SOLE   6,242 0 0
DFA EMERGING MKTS CORE EQUITY FUND 233203421 6,569 243,485 SH   DFND   238,843 0 4,641
DFA US TARGETED VALUE PORT FUND 233203595 5,661 185,242 SH   DFND   177,631 0 7,610
DFA SMALL CAP VALUE FUND FUND 233203819 5,979 132,562 SH   DFND   132,019 0 543
DFA US LARGE CAP VALUE FUND FUND 233203827 7,332 163,141 SH   SOLE   163,141 0 0
DFA INTL L/C GROWTH PORT FUND 23320G265 9,154 538,179 SH   DFND   527,627 0 10,551
DFA INTL VALUE FUND FUND 25434D203 15,545 802,968 SH   DFND   781,828 0 21,140
DISNEY WALT CO COM 254687106 9,800 55,756 SH   DFND   53,386 0 2,370
DISCOVERY INC -A COM 25470F104 2,184 71,172 SH   DFND   67,922 0 3,250
DISCOVERY INC - C COM 25470F302 611 21,081 SH   DFND   20,056 0 1,025
DOMINION ENERGY INC COM 25746U109 724 9,837 SH   DFND   9,814 0 23
DOW INC COM 260557103 2,480 39,195 SH   DFND   38,067 0 1,128
DUKE ENERGY CORP COM 26441C204 258 2,609 SH   SOLE   2,609 0 0
DUPONT DE NEMOURS INC COM 26614N102 4,767 61,578 SH   DFND   54,706 0 6,872
EMERSON ELECTRIC COMPANY COM 291011104 5,697 59,198 SH   DFND   56,903 0 2,295
ENBRIDGE INC COM 29250N105 26,538 662,775 SH   DFND   636,130 0 26,645
EVERGY INC COM 30034W106 30,227 500,205 SH   DFND   483,855 0 16,350
EXELON CORPORATION COM 30161N101 407 9,175 SH   SOLE   9,175 0 0
EXXON MOBIL CORP COM 30231G102 9,273 147,004 SH   DFND   139,804 0 7,200
FACEBOOK INC-A COM 30303M102 3,117 8,964 SH   DFND   8,639 0 325
GENERAL ELECTRIC COMPANY COM 369604103 8,150 605,463 SH   DFND   577,288 0 28,175
GENERAL MILLS INCORPORATED COM 370334104 2,935 48,165 SH   DFND   47,820 0 345
GENUINE PARTS CO COM 372460105 40,473 320,023 SH   DFND   306,868 0 13,155
GILEAD SCIENCES INC COM 375558103 30,489 442,765 SH   DFND   431,200 0 11,565
GOLDMAN SACHS GROUP INC COM 38141G104 327 862 SH   SOLE   862 0 0
HOME DEPOT INC COM 437076102 34,646 108,644 SH   DFND   103,990 0 4,654
HONDA MOTOR CO LTD - SP ADR COM 438128308 233 7,235 SH   SOLE   7,235 0 0
HONEYWELL INTERNATIONAL INC COM 438516106 3,375 15,386 SH   DFND   15,143 0 243
AMER FDS INCOME FD OF AMER-A FUND 453320103 234 9,068 SH   SOLE   9,068 0 0
INTEL CORPORATION COM 458140100 9,478 168,826 SH   DFND   153,378 0 15,448
INTERNATIONAL BUSINESS MACHINE COM 459200101 531 3,622 SH   SOLE   3,622 0 0
INT'L FLAVORS& FRAGRANCES COM 459506101 38,261 256,099 SH   DFND   244,659 0 11,440
INVESCO QQQ TR FUND 46090E103 1,637 4,620 SH   SOLE   4,620 0 0
ISHARES MSCI EMERGING MKTS ETF FUND 464287234 275 4,988 SH   DFND   4,950 0 38
ISHARES MSCI EAFE ETF FUND 464287465 1,470 18,640 SH   DFND   18,345 0 295
ISHARES RUSSELL M/C GROWTH ETF FUND 464287481 8,773 77,496 SH   DFND   73,615 0 3,881
ISHARES RUSSELL 1000 VALUE ETF FUND 464287598 615 3,875 SH   SOLE   3,875 0 0
ISHARES RUSSELL 1000 GROWTH ET FUND 464287614 5,753 21,192 SH   DFND   20,667 0 525
ISHARES RUSSELL 2000 VALUE FD FUND 464287630 728 4,393 SH   DFND   3,865 0 528
ISHARES MSCI EAFE SMALL-CAP ET FUND 464288273 373 5,027 SH   SOLE   5,027 0 0
ISHARES MSCI EAFE VALUE ETF FUND 464288877 668 12,900 SH   SOLE   12,900 0 0
ISHARES CORE MSCI EM MKTS ETF FUND 46434G103 4,890 72,990 SH   DFND   70,515 0 2,475
ISHARES CURR HED MSCI EAFE ETF FUND 46434V803 1,060 30,601 SH   DFND   29,901 0 700
JPMORGAN CHASE& CO COM 46625H100 76,950 494,728 SH   DFND   474,179 0 20,548
JOHNSON& JOHNSON COM 478160104 35,881 217,802 SH   DFND   207,919 0 9,883
KELLOGG COMPANY COM 487836108 754 11,721 SH   DFND   11,321 0 400
KIMBERLY-CLARK CORPORATION COM 494368103 384 2,870 SH   SOLE   2,870 0 0
LILLY ELI& COMPANY COM 532457108 3,917 17,065 SH   DFND   13,715 0 3,350
LINCOLN NATIONAL CORP COM 534187109 31,606 502,966 SH   DFND   479,976 0 22,990
LOCKHEED MARTIN CORPORATION COM 539830109 40,468 106,959 SH   DFND   102,771 0 4,188
LOWES COMPANIES INC COM 548661107 5,472 28,208 SH   DFND   25,349 0 2,859
MASTERCARD INC -CLASS A COM 57636Q104 200 548 SH   SOLE   548 0 0
MCDONALDS CORP COM 580135101 4,239 18,349 SH   DFND   16,835 0 1,514
MERCK& COMPANY INC COM 58933Y105 746 9,594 SH   SOLE   9,594 0 0
METLIFE INC COM 59156R108 5,695 95,154 SH   DFND   93,019 0 2,135
MICROSOFT CORP COM 594918104 20,792 76,751 SH   DFND   72,844 0 3,907
MICROCHIP TECHNOLOGY INC COM 595017104 990 6,610 SH   SOLE   6,610 0 0
MICRON TECHNOLOGY INC COM 595112103 1,808 21,277 SH   DFND   20,152 0 1,125
MITSUBISHI UFJ FINL GRP - ADR COM 606822104 235 43,400 SH   SOLE   43,400 0 0
MOLSON COORS BEVERAGE COMPANY COM 60871R209 1,149 21,405 SH   DFND   20,005 0 1,400
MORGAN STANLEY COM 617446448 71,288 777,488 SH   DFND   742,041 0 35,447
NATIONAL GRID PLC-SP ADR COM 636274409 366 5,720 SH   SOLE   5,720 0 0
NIKE INC - CL B COM 654106103 3,848 24,908 SH   DFND   23,703 0 1,205
NOVARTIS AG - ADR COM 66987V109 211 2,316 SH   SOLE   2,316 0 0
NVIDIA CORP COM 67066G104 236 295 SH   SOLE   295 0 0
OMNICOM GROUP COM 681919106 49,261 615,843 SH   DFND   594,873 0 20,970
ORACLE CORP COM 68389X105 3,903 50,137 SH   DFND   49,070 0 1,067
PNC FINANCIAL SERVICES GROUP COM 693475105 1,693 8,873 SH   SOLE   8,873 0 0
PARKER-HANNIFIN CORP COM 701094104 222 721 SH   SOLE   721 0 0
PEMBINA PIPELINE CORP COM 706327103 558 17,575 SH   SOLE   17,575 0 0
PEPSICO INCORPORATED COM 713448108 3,928 26,510 SH   DFND   26,255 0 255
PFIZER INC COM 717081103 2,076 53,007 SH   DFND   52,357 0 650
PHILIP MORRIS INTL INC COM 718172109 32,788 330,821 SH   DFND   320,817 0 10,003
PHILLIPS 66 COM 718546104 37,108 432,388 SH   DFND   416,024 0 16,364
PROCTER AND GAMBLE COMPANY COM 742718109 1,685 12,486 SH   DFND   12,136 0 350
PRUDENTIAL FINANCIAL INC COM 744320102 269 2,625 SH   SOLE   2,625 0 0
PUBLIC STORAGE COM 74460D109 388 1,290 SH   SOLE   1,290 0 0
QUALCOMM INC COM 747525103 4,575 32,011 SH   DFND   26,511 0 5,500
RALPH LAUREN CORP COM 751212101 1,929 16,374 SH   DFND   15,634 0 740
RAYTHEON TECHNOLOGIES CORP COM 75513E101 1,079 12,652 SH   DFND   4,696 0 7,956
RESMED INC COM 761152107 468 1,900 SH   SOLE   1,900 0 0
RIO TINTO PLC - ADR COM 767204100 507 6,045 SH   SOLE   6,045 0 0
SPDR S&P 500 ETF FUND 78462F103 5,059 11,817 SH   SOLE   11,817 0 0
SALESFORCE.COM INC COM 79466L302 5,448 22,303 SH   DFND   21,238 0 1,065
SANDRIDGE PERMIAN TRUST COM 80007A102 9 20,000 SH   SOLE   20,000 0 0
SANOFI-AVENTIS - ADR COM 80105N105 250 4,743 SH   SOLE   4,743 0 0
SCHNEIDER ELECTRIC SE ADR COM 80687P106 242 7,665 SH   SOLE   7,665 0 0
SCHWAB S&P 500 INDEX FUND FUND 808509855 673 10,174 SH   SOLE   10,174 0 0
SPDR S&P CONS STAPLES SEL ETF COM 81369Y308 483 6,903 SH   DFND   5,353 0 1,550
SEMPRA COM 816851109 40,560 306,159 SH   DFND   296,838 0 9,321
SOUTHERN COMPANY COM 842587107 273 4,511 SH   SOLE   4,511 0 0
STARBUCKS CORP COM 855244109 1,626 14,538 SH   SOLE   14,538 0 0
SUMITOMO MITSUI - SP ADR COM 86562M209 219 31,850 SH   SOLE   31,850 0 0
SYNCHRONY FINANCIAL COM 87165B103 203 4,188 SH   SOLE   4,188 0 0
TAIWAN SEMICONDUCTOR - SP ADR COM 874039100 8,788 73,139 SH   DFND   69,084 0 4,055
TARGET CORP COM 87612E106 4,949 20,470 SH   DFND   20,215 0 255
TESLA INC. COM 88160R101 1,030 1,516 SH   SOLE   1,516 0 0
3M COMPANY COM 88579Y101 35,373 178,083 SH   DFND   170,410 0 7,673
TRAVELERS COS INC COM 89417E109 49,392 329,916 SH   DFND   317,711 0 12,205
TRUIST FINANCIAL CORPORATION COM 89832Q109 41,252 743,284 SH   DFND   714,344 0 28,940
TYSON FOODS INC - CL A COM 902494103 39,330 533,221 SH   DFND   513,301 0 19,920
ULTA SALON COSMETICS& FRAGR COM 90384S303 3,977 11,501 SH   DFND   10,966 0 535
UNITED PARCEL SERVICE - CL B COM 911312106 41,453 199,323 SH   DFND   190,941 0 8,382
UNITEDHEALTH GROUP INC COM 91324P102 8,655 21,612 SH   DFND   20,778 0 834
VF CORPORATION COM 918204108 1,303 15,878 SH   DFND   15,848 0 30
VANGUARD HEALTH CARE FUND-INV FUND 921908307 274 1,167 SH   SOLE   1,167 0 0
VANGUARD INTL GROWTH FD-ADMIR FUND 921910501 572 3,356 SH   SOLE   3,356 0 0
VANGUARD 500 INDEX FUND-ADM FUND 922908710 683 1,722 SH   SOLE   1,722 0 0
VANGUARD GROWTH ETF FUND 922908736 459 1,599 SH   DFND   561 0 1,038
VANGUARD VALUE ETF FUND 922908744 221 1,606 SH   DFND   0 0 1,606
VERIZON COMMUNICATIONS COM 92343V104 35,271 629,496 SH   DFND   604,327 0 25,168
VISA INC - CL A COM 92826C839 7,342 31,401 SH   DFND   30,176 0 1,225
VODAFONE GROUP PLC COM 92857W308 356 20,758 SH   SOLE   20,758 0 0
WAL-MART INC. COM 931142103 737 5,225 SH   SOLE   5,225 0 0
WELLS FARGO& COMPANY COM 949746101 8,245 182,049 SH   DFND   174,324 0 7,725
WESTERN DIGITAL CORP COM 958102105 335 4,706 SH   DFND   4,206 0 500
WILLIAMS COS INC COM 969457100 275 10,350 SH   SOLE   10,350 0 0
XILINX INC COM 983919101 883 6,103 SH   SOLE   6,103 0 0
EATON CORP PLC COM G29183103 9,875 66,641 SH   DFND   64,381 0 2,260
MEDTRONIC PLC COM G5960L103 3,705 29,851 SH   DFND   28,827 0 1,024
APTIV PLC COM G6095L109 4,290 27,265 SH   DFND   26,015 0 1,250
NXP SEMICONDUCTORS NV COM N6596X109 2,868 13,942 SH   DFND   13,715 0 227