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 367 7,042 SH   SOLE   7,042 0 0
AES CORPORATION COM 00130H105 200 8,780 SH   SOLE   8,780 0 0
AT&T INC COM 00206R102 42,306 1,566,292 SH   DFND   1,525,576 0 40,715
ABBOTT LABORATORIES COM 002824100 689 5,828 SH   DFND   2,453 0 3,375
ABBVIE INC COM 00287Y109 63,827 591,699 SH   DFND   568,258 0 23,440
ADOBE INC. COM 00724F101 2,809 4,879 SH   SOLE   4,879 0 0
AGENT INFORMATION SOFTWARE I COM 00847D108 47 28,000 SH   SOLE   28,000 0 0
AIR PRODUCTS& CHEMICALS INC COM 009158106 2,097 8,186 SH   DFND   8,094 0 92
ALPHABET CLASS C COM 02079K107 7,407 2,779 SH   DFND   2,704 0 75
ALPHABET CLASS A COM 02079K305 6,205 2,321 SH   DFND   2,251 0 70
ALTRIA GROUP INC COM 02209S103 41,777 917,768 SH   DFND   880,528 0 37,240
AMAZON.COM INC COM 023135106 7,598 2,313 SH   DFND   2,243 0 70
AMERICAN EXPRESS CO COM 025816109 3,208 19,149 SH   DFND   18,922 0 227
AMGEN INC COM 031162100 2,536 11,927 SH   DFND   11,802 0 125
ANNALY CAPITAL MANAGEMENT INC COM 035710409 224 26,646 SH   SOLE   26,646 0 0
APPLE INC COM 037833100 32,790 231,734 SH   DFND   228,270 0 3,464
APPLIED MATERIALS INC COM 038222105 1,973 15,324 SH   SOLE   15,324 0 0
ARES CAPITAL CORP COM 04010L103 284 13,950 SH   SOLE   13,950 0 0
ASTRAZENECA PLC - ADR COM 046353108 4,358 72,569 SH   DFND   69,568 0 3,001
AXA - SP ADR COM 054536107 393 14,065 SH   SOLE   14,065 0 0
BBH LIMITED DURATION-I FUND 05528X851 5,257 508,380 SH   SOLE   508,380 0 0
BP PLC - ADR COM 055622104 455 16,644 SH   SOLE   16,644 0 0
BANK OF AMERICA CORP COM 060505104 71,664 1,688,192 SH   DFND   1,611,397 0 76,795
BANK OF NEW YORK MELLON CORP COM 064058100 2,264 43,680 SH   DFND   41,640 0 2,040
BARCLAYS PLC - ADR COM 06738E204 137 13,250 SH   SOLE   13,250 0 0
BERKSHIRE HATHAWAY INC - CL B COM 084670702 675 2,473 SH   SOLE   2,473 0 0
BHP BILLITON LTD - SP ADR COM 088606108 1,336 24,955 SH   DFND   23,705 0 1,250
BLACKROCK INC COM 09247X101 35,044 41,785 SH   DFND   39,390 0 2,395
WM BLAIR INTL GROWTH FUND-I FUND 093001774 216 5,065 SH   DFND   2,165 0 2,900
BOEING COMPANY COM 097023105 939 4,268 SH   SOLE   4,268 0 0
BORGWARNER INC COM 099724106 3,605 83,438 SH   DFND   80,935 0 2,503
BRISTOL-MYERS SQUIBB CO COM 110122108 55,354 935,499 SH   DFND   901,653 0 33,845
BRITISH AMERN TOBACCO PLC ADR COM 110448107 391 11,088 SH   SOLE   11,088 0 0
BROADCOM INC COM 11135F101 54,674 112,746 SH   DFND   107,821 0 4,925
CK HUTCHISON HOLDIN-UNSP ADR COM 12562Y100 265 40,225 SH   SOLE   40,225 0 0
CVS HEALTH CORPORATION COM 126650100 59,187 697,464 SH   DFND   670,459 0 27,005
COTERRA ENERCOTERRA ENERGY I COM 127097103 7,039 323,490 SH   DFND   308,890 0 14,600
CAPITAL WORLD GROWTH& INC-A FUND 140543109 252 3,987 SH   SOLE   3,987 0 0
CATERPILLAR INC COM 149123101 931 4,850 SH   SOLE   4,850 0 0
CHARTER COMMUNICATIONS INC-A COM 16119P108 445 611 SH   SOLE   611 0 0
CHEVRON CORP COM 166764100 55,309 545,187 SH   DFND   523,455 0 21,732
CISCO SYSTEMS INC COM 17275R102 68,877 1,265,427 SH   DFND   1,215,209 0 50,218
CITIGROUP INC COM 172967424 305 4,346 SH   SOLE   4,346 0 0
COCA-COLA COMPANY COM 191216100 234 4,460 SH   SOLE   4,460 0 0
COMCAST CORP - CL A COM 20030N101 35,204 629,426 SH   DFND   599,546 0 29,880
CONSTELLATION BRANDS INC-A COM 21036P108 2,937 13,941 SH   DFND   13,376 0 565
CORNING INC COM 219350105 40,512 1,110,217 SH   DFND   1,083,982 0 26,235
COSTCO WHOLESALE CORP COM 22160K105 1,513 3,367 SH   SOLE   3,367 0 0
DFA US CORE EQUITY 1 PORT FUND 233203413 213 6,242 SH   SOLE   6,242 0 0
DFA EMERGING MKTS CORE EQUITY FUND 233203421 6,050 241,613 SH   DFND   236,971 0 4,641
DFA US TARGETED VALUE PORT FUND 233203595 5,592 184,599 SH   DFND   176,988 0 7,610
DFA SMALL CAP VALUE FUND FUND 233203819 5,949 133,335 SH   DFND   132,791 0 543
DFA US LARGE CAP VALUE FUND FUND 233203827 7,216 163,703 SH   SOLE   163,703 0 0
DFA INTL L/C GROWTH PORT FUND 23320G265 9,133 543,614 SH   DFND   533,063 0 10,551
DFA INTL VALUE FUND FUND 25434D203 15,307 800,596 SH   DFND   779,456 0 21,140
DIMENSIONAL EMERGING CORE EQ FUND 25434V302 216 7,930 SH   SOLE   7,930 0 0
DISNEY WALT CO COM 254687106 10,714 63,330 SH   DFND   60,440 0 2,890
DISCOVERY INC -A COM 25470F104 2,710 106,782 SH   DFND   101,297 0 5,485
DISCOVERY INC - C COM 25470F302 522 21,526 SH   DFND   20,501 0 1,025
DOMINION ENERGY INC COM 25746U109 767 10,502 SH   DFND   10,479 0 23
DOW INC COM 260557103 2,263 39,318 SH   DFND   38,190 0 1,128
DUKE ENERGY CORP COM 26441C204 270 2,766 SH   SOLE   2,766 0 0
DUPONT DE NEMOURS INC COM 26614N102 6,104 89,781 SH   DFND   81,383 0 8,398
EASTMAN CHEMICAL COMPANY COM 277432100 1,392 13,815 SH   DFND   13,788 0 27
EMERSON ELECTRIC COMPANY COM 291011104 5,676 60,255 SH   DFND   57,760 0 2,495
ENBRIDGE INC COM 29250N105 27,186 683,074 SH   DFND   650,979 0 32,095
ERICSSON COM 294821608 144 12,850 SH   SOLE   12,850 0 0
EVERGY INC COM 30034W106 19,834 318,874 SH   DFND   303,954 0 14,920
EXELON CORPORATION COM 30161N101 427 8,825 SH   SOLE   8,825 0 0
EXPEDIA GROUP INC. COM 30212P303 2,133 13,015 SH   DFND   12,410 0 605
EXXON MOBIL CORP COM 30231G102 8,895 151,218 SH   DFND   143,818 0 7,400
FACEBOOK INC-A COM 30303M102 1,542 4,544 SH   DFND   4,394 0 150
GENERAL ELECTRIC CO COM 369604301 8,997 87,323 SH   DFND   83,384 0 3,939
GENERAL MILLS INCORPORATED COM 370334104 2,660 44,459 SH   DFND   44,114 0 345
GENUINE PARTS CO COM 372460105 27,859 229,804 SH   DFND   218,794 0 11,010
GILEAD SCIENCES INC COM 375558103 31,136 445,749 SH   DFND   434,484 0 11,265
GOLDMAN SACHS GROUP INC COM 38141G104 301 797 SH   SOLE   797 0 0
HOME DEPOT INC COM 437076102 35,428 107,925 SH   DFND   103,348 0 4,577
HONDA MOTOR CO LTD - SP ADR COM 438128308 338 11,035 SH   SOLE   11,035 0 0
HONEYWELL INTERNATIONAL INC COM 438516106 3,396 15,996 SH   DFND   15,753 0 243
INTEL CORPORATION COM 458140100 10,295 193,216 SH   DFND   176,468 0 16,748
INTERNATIONAL BUSINESS MACHINE COM 459200101 553 3,983 SH   SOLE   3,983 0 0
INT'L FLAVORS& FRAGRANCES COM 459506101 34,283 256,382 SH   DFND   245,094 0 11,288
INVESCO QQQ TR FUND 46090E103 1,665 4,650 SH   SOLE   4,650 0 0
ISHARES MSCI EMERGING MKTS ETF FUND 464287234 251 4,988 SH   DFND   4,950 0 38
ISHARES MSCI EAFE ETF FUND 464287465 1,458 18,690 SH   DFND   18,395 0 295
ISHARES RUSSELL M/C GROWTH ETF FUND 464287481 8,774 78,286 SH   DFND   74,405 0 3,881
ISHARES RUSSELL 1000 VALUE ETF FUND 464287598 888 5,675 SH   DFND   3,875 0 1,800
ISHARES RUSSELL 1000 GROWTH ET FUND 464287614 5,762 21,027 SH   DFND   20,502 0 525
ISHARES RUSSELL 2000 VALUE FD FUND 464287630 704 4,393 SH   DFND   3,865 0 528
ISHARES MSCI EAFE SMALL-CAP ET FUND 464288273 372 5,000 SH   SOLE   5,000 0 0
ISHARES MSCI EAFE VALUE ETF FUND 464288877 656 12,900 SH   SOLE   12,900 0 0
ISHARES CORE MSCI EM MKTS ETF FUND 46434G103 4,559 73,810 SH   DFND   71,335 0 2,475
ISHARES CURR HED MSCI EAFE ETF FUND 46434V803 1,035 30,101 SH   DFND   29,401 0 700
JPMORGAN CHASE& CO COM 46625H100 80,935 494,438 SH   DFND   474,169 0 20,268
JOHNSON& JOHNSON COM 478160104 34,906 216,138 SH   DFND   206,240 0 9,898
KELLOGG COMPANY COM 487836108 724 11,331 SH   DFND   10,931 0 400
KIMBERLY-CLARK CORPORATION COM 494368103 424 3,201 SH   SOLE   3,201 0 0
LILLY ELI& COMPANY COM 532457108 3,653 15,810 SH   DFND   12,460 0 3,350
LINCOLN NATIONAL CORP COM 534187109 54,570 793,741 SH   DFND   760,881 0 32,860
LOCKHEED MARTIN CORPORATION COM 539830109 37,034 107,312 SH   DFND   103,399 0 3,913
LORD ABBETT SHRT DUR INC-I FUND 543916688 1,075 257,212 SH   SOLE   257,212 0 0
LOWES COMPANIES INC COM 548661107 5,727 28,232 SH   DFND   25,373 0 2,859
MASTERCARD INC -CLASS A COM 57636Q104 204 588 SH   SOLE   588 0 0
MCDONALDS CORP COM 580135101 4,146 17,195 SH   DFND   15,681 0 1,514
MERCK& COMPANY INC COM 58933Y105 694 9,243 SH   SOLE   9,243 0 0
METLIFE INC COM 59156R108 5,961 96,569 SH   DFND   94,434 0 2,135
MICROSOFT CORP COM 594918104 21,053 74,678 SH   DFND   70,771 0 3,907
MICROCHIP TECHNOLOGY INC COM 595017104 1,028 6,699 SH   SOLE   6,699 0 0
MICRON TECHNOLOGY INC COM 595112103 239 3,370 SH   DFND   3,195 0 175
MITSUBISHI UFJ FINL GRP - ADR COM 606822104 308 52,000 SH   SOLE   52,000 0 0
MOLSON COORS BEVERAGE COMPANY COM 60871R209 994 21,440 SH   DFND   20,040 0 1,400
MORGAN STANLEY COM 617446448 75,623 777,139 SH   DFND   742,137 0 35,002
NATIONAL GRID PLC-SP ADR COM 636274409 335 5,615 SH   SOLE   5,615 0 0
NIKE INC - CL B COM 654106103 692 4,761 SH   DFND   4,411 0 350
NOVARTIS AG - ADR COM 66987V109 220 2,691 SH   SOLE   2,691 0 0
NVIDIA CORP COM 67066G104 264 1,272 SH   SOLE   1,272 0 0
OMNICOM GROUP COM 681919106 44,648 616,171 SH   DFND   595,861 0 20,310
ORACLE CORP COM 68389X105 4,392 50,412 SH   DFND   49,345 0 1,067
ORANGE - SPON ADR COM 684060106 114 10,540 SH   SOLE   10,540 0 0
PNC FINANCIAL SERVICES GROUP COM 693475105 1,661 8,490 SH   SOLE   8,490 0 0
PARKER-HANNIFIN CORP COM 701094104 202 721 SH   SOLE   721 0 0
PEMBINA PIPELINE CORP COM 706327103 660 20,825 SH   SOLE   20,825 0 0
PEPSICO INCORPORATED COM 713448108 4,070 27,062 SH   DFND   26,707 0 355
PFIZER INC COM 717081103 2,286 53,141 SH   DFND   52,491 0 650
PHILIP MORRIS INTL INC COM 718172109 31,326 330,481 SH   DFND   318,697 0 11,783
PHILLIPS 66 COM 718546104 49,280 703,703 SH   DFND   674,558 0 29,145
PROCTER AND GAMBLE COMPANY COM 742718109 1,744 12,471 SH   DFND   12,121 0 350
PRUDENTIAL SH/TRM CORP BD-Z FUND 74441R508 170 15,005 SH   SOLE   15,005 0 0
PUBLIC STORAGE COM 74460D109 383 1,290 SH   SOLE   1,290 0 0
QUALCOMM INC COM 747525103 4,051 31,409 SH   DFND   25,909 0 5,500
RALPH LAUREN CORP COM 751212101 1,822 16,404 SH   DFND   15,664 0 740
RAYTHEON TECHNOLOGIES CORP COM 75513E101 1,129 13,132 SH   DFND   5,176 0 7,956
REALTY INCOME CORP - REIT COM 756109104 233 3,592 SH   SOLE   3,592 0 0
RESMED INC COM 761152107 501 1,900 SH   SOLE   1,900 0 0
RIO TINTO PLC - ADR COM 767204100 520 7,785 SH   SOLE   7,785 0 0
SPDR S&P 500 ETF FUND 78462F103 5,050 11,767 SH   SOLE   11,767 0 0
SALESFORCE.COM INC COM 79466L302 6,369 23,481 SH   DFND   22,416 0 1,065
SANOFI-AVENTIS - ADR COM 80105N105 327 6,777 SH   SOLE   6,777 0 0
SCHNEIDER ELECTRIC SE ADR COM 80687P106 324 9,765 SH   SOLE   9,765 0 0
SCHWAB S&P 500 INDEX FUND FUND 808509855 640 9,613 SH   SOLE   9,613 0 0
SPDR S&P CONS STAPLES SEL ETF COM 81369Y308 513 7,450 SH   DFND   6,300 0 1,150
SPDR S&P ENERGY SELECT ETF COM 81369Y506 263 5,050 SH   DFND   450 0 4,600
SEMPRA COM 816851109 39,276 310,481 SH   DFND   299,320 0 11,161
SOUTHERN COMPANY COM 842587107 247 3,988 SH   SOLE   3,988 0 0
STARBUCKS CORP COM 855244109 1,559 14,134 SH   SOLE   14,134 0 0
SUMITOMO MITSUI - SP ADR COM 86562M209 249 35,450 SH   SOLE   35,450 0 0
SYNCHRONY FINANCIAL COM 87165B103 205 4,188 SH   SOLE   4,188 0 0
TAIWAN SEMICONDUCTOR - SP ADR COM 874039100 7,735 69,282 SH   DFND   65,327 0 3,955
TARGET CORP COM 87612E106 4,676 20,440 SH   DFND   20,185 0 255
TESLA INC. COM 88160R101 1,168 1,506 SH   SOLE   1,506 0 0
3M COMPANY COM 88579Y101 30,078 171,465 SH   DFND   163,885 0 7,580
TRAVELERS COS INC COM 89417E109 50,247 330,552 SH   DFND   316,692 0 13,860
TRUIST FINANCIAL CORPORATION COM 89832Q109 43,660 744,414 SH   DFND   712,029 0 32,385
TYSON FOODS INC - CL A COM 902494103 36,828 466,531 SH   DFND   445,711 0 20,820
ULTA SALON COSMETICS& FRAGR COM 90384S303 4,305 11,929 SH   DFND   11,354 0 575
UNION PACIFIC CORPORATION COM 907818108 1,344 6,858 SH   DFND   6,743 0 115
UNITED PARCEL SERVICE - CL B COM 911312106 36,016 197,784 SH   DFND   189,522 0 8,262
UNITEDHEALTH GROUP INC COM 91324P102 4,083 10,449 SH   DFND   9,975 0 474
VF CORPORATION COM 918204108 1,061 15,838 SH   DFND   15,808 0 30
VANGUARD HEALTH CARE FUND-INV FUND 921908307 270 1,167 SH   SOLE   1,167 0 0
VANGUARD INTL GROWTH FD-ADMIR FUND 921910501 449 2,742 SH   SOLE   2,742 0 0
VANGUARD WELLINGTON-INVESTOR FUND 921935102 445 9,163 SH   SOLE   9,163 0 0
VANGUARD HIGH DVD YIELD ETF FUND 921946406 227 2,200 SH   DFND   0 0 2,200
VANGUARD GROWTH INDEX FUND FUND 922908660 389 2,605 SH   SOLE   2,605 0 0
VANGUARD 500 INDEX FUND-ADM FUND 922908710 743 1,868 SH   SOLE   1,868 0 0
VANGUARD TOT STK MKT IND-ADM FUND 922908728 253 2,344 SH   SOLE   2,344 0 0
VANGUARD GROWTH ETF FUND 922908736 464 1,599 SH   DFND   561 0 1,038
VANGUARD VALUE ETF FUND 922908744 217 1,606 SH   DFND   0 0 1,606
VERIZON COMMUNICATIONS COM 92343V104 33,876 627,209 SH   DFND   600,656 0 26,553
VISA INC - CL A COM 92826C839 7,219 32,410 SH   DFND   31,185 0 1,225
VODAFONE GROUP PLC COM 92857W308 374 24,208 SH   SOLE   24,208 0 0
WAL-MART INC. COM 931142103 362 2,595 SH   SOLE   2,595 0 0
WELLS FARGO& COMPANY COM 949746101 8,452 182,124 SH   DFND   174,074 0 8,050
WESTERN DIGITAL CORP COM 958102105 266 4,706 SH   DFND   4,206 0 500
WILLIAMS COS INC COM 969457100 268 10,350 SH   SOLE   10,350 0 0
XILINX INC COM 983919101 876 5,802 SH   SOLE   5,802 0 0
ZIMMER BIOMET HOLDINGS INC COM 98956P102 851 5,815 SH   DFND   5,490 0 325
EATON CORP PLC COM G29183103 9,023 60,434 SH   DFND   58,599 0 1,835
MEDTRONIC PLC COM G5960L103 5,012 39,984 SH   DFND   38,665 0 1,319
APTIV PLC COM G6095L109 4,202 28,210 SH   DFND   26,960 0 1,250
NXP SEMICONDUCTORS NV COM N6596X109 2,772 14,152 SH   DFND   13,925 0 227