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
AMAZON COM INC COM 023135106 2,608 800 SH   DFND 2 800 0 0
AMAZON COM INC COM 023135106 22,807 6,996 SH   SOLE 1 6,841 0 155
PARAMOUNT GLOBAL CLASS B COM 92556H206 6 170 SH   SOLE 1 170 0 0
TETRA TECHNOLOGIES INC DEL COM 88162F105 9 2,250 SH   SOLE 1 2,250 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 908 2,504 SH   SOLE 1 2,504 0 0
STARBUCKS CORP COM 855244109 11 125 SH   DFND 2 125 0 0
STARBUCKS CORP COM 855244109 980 10,774 SH   SOLE 1 10,774 0 0
SEMPRA COM 816851109 0 2 SH   SOLE 1 2 0 0
OLD REP INTL CORP COM 680223104 9,064 350,367 SH   SOLE 1 348,867 0 1,500
OLD REP INTL CORP COM 680223104 17,150 662,928 SH   DFND 2 662,928 0 0
BLOCK INC CL A 852234103 1 10 SH   SOLE 1 10 0 0
EBAY INC. COM 278642103 789 13,781 SH   DFND 2 13,781 0 0
EBAY INC. COM 278642103 4,506 78,686 SH   SOLE 1 78,686 0 0
JOHNSON & JOHNSON COM 478160104 3,429 19,345 SH   DFND 2 19,345 0 0
JOHNSON & JOHNSON COM 478160104 8,869 50,041 SH   SOLE 1 49,261 0 780
AKAMAI TECHNOLOGIES INC COM 00971T101 72 600 SH   DFND 2 600 0 0
SEAGATE TECHNOLOGY HLDNGS PL ORD SHS G7997R103 27 298 SH   SOLE 1 298 0 0
WASTE MGMT INC DEL COM 94106L109 11,754 74,156 SH   SOLE 1 72,656 0 1,500
WASTE MGMT INC DEL COM 94106L109 63,290 399,305 SH   DFND 2 399,305 0 0
ABB LTD SPONSORED ADR 000375204 13 400 SH   SOLE 1 400 0 0
INVESCO EXCHANGE TRADED FD T WATER RES ETF 46137V142 11 200 SH   SOLE 1 200 0 0
ALLIANCEBERNSTEIN HLDG L P UNIT LTD PARTN 01881G106 200 4,245 SH   SOLE 1 4,245 0 0
BANK OZK COM 06417N103 60 1,400 SH   SOLE 1 1,400 0 0
HELIX ENERGY SOLUTIONS GRP I COM 42330P107 8 1,740 SH   SOLE 1 1,740 0 0
COSTCO WHSL CORP NEW COM 22160K105 454 789 SH   SOLE 1 789 0 0
COSTCO WHSL CORP NEW COM 22160K105 1,319 2,290 SH   DFND 2 2,290 0 0
HCA HEALTHCARE INC COM 40412C101 125 500 SH   SOLE 1 500 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 317 7,025 SH   DFND 2 7,025 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 4,376 96,921 SH   SOLE 1 94,300 0 2,621
FIRST TR EXCHANGE TRADED FD HLTH CARE ALPH 33734X143 52 450 SH   SOLE 1 450 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 30 90 SH   DFND 2 90 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 665 2,015 SH   SOLE 1 2,015 0 0
LAS VEGAS SANDS CORP COM 517834107 5,158 132,700 SH   DFND 2 132,700 0 0
LAS VEGAS SANDS CORP COM 517834107 8,448 217,345 SH   SOLE 1 213,045 0 4,300
RETRACTABLE TECHNOLOGIES INC COM 76129W105 29 6,100 SH   SOLE 1 6,100 0 0
YUM BRANDS INC COM 988498101 6 50 SH   SOLE 1 50 0 0
YUM BRANDS INC COM 988498101 26 220 SH   DFND 2 220 0 0
SABINE RTY TR UNIT BEN INT 785688102 30 512 SH   SOLE 1 512 0 0
PROCTER AND GAMBLE CO COM 742718109 1,618 10,588 SH   DFND 2 10,588 0 0
PROCTER AND GAMBLE CO COM 742718109 9,318 60,980 SH   SOLE 1 60,945 0 35
COCA COLA CO COM 191216100 2,648 42,709 SH   DFND 2 42,709 0 0
COCA COLA CO COM 191216100 5,071 81,794 SH   SOLE 1 81,794 0 0
GENERAL MLS INC COM 370334104 27 400 SH   DFND 2 400 0 0
GENERAL MLS INC COM 370334104 28 416 SH   SOLE 1 416 0 0
ENTERPRISE PRODS PARTNERS L COM 293792107 8 316 SH   SOLE 1 316 0 0
OCCIDENTAL PETE CORP COM 674599105 958 16,884 SH   SOLE 1 16,884 0 0
OCCIDENTAL PETE CORP COM 674599105 16,867 297,261 SH   DFND 2 297,261 0 0
TRUIST FINL CORP COM 89832Q109 22 387 SH   SOLE 1 387 0 0
UNITED PARCEL SERVICE INC CL B 911312106 1,900 8,860 SH   DFND 2 8,860 0 0
UNITED PARCEL SERVICE INC CL B 911312106 13,381 62,396 SH   SOLE 1 60,396 0 2,000
MARRIOTT INTL INC NEW CL A 571903202 11 60 SH   SOLE 1 60 0 0
BIOGEN INC COM 09062X103 295 1,400 SH   SOLE 1 1,400 0 0
INTEL CORP COM 458140100 8,080 163,043 SH   SOLE 1 160,948 0 2,095
INTEL CORP COM 458140100 20,491 413,459 SH   DFND 2 413,459 0 0
CME GROUP INC COM 12572Q105 130 547 SH   SOLE 1 547 0 0
REATA PHARMACEUTICALS INC CL A 75615P103 687 20,982 SH   SOLE 1 20,982 0 0
MEDTRONIC PLC SHS G5960L103 909 8,192 SH   DFND 2 8,192 0 0
MEDTRONIC PLC SHS G5960L103 6,265 56,464 SH   SOLE 1 54,289 0 2,175
CLOROX CO DEL COM 189054109 185 1,332 SH   SOLE 1 1,332 0 0
CLOROX CO DEL COM 189054109 397 2,853 SH   DFND 2 2,853 0 0
COMERICA INC COM 200340107 208 2,300 SH   SOLE 1 1,800 0 500
FORTIVE CORP COM 34959J108 14 225 SH   DFND 2 225 0 0
DUKE REALTY CORP COM NEW 264411505 174 3,000 SH   DFND 2 3,000 0 0
DUKE REALTY CORP COM NEW 264411505 1,605 27,650 SH   SOLE 1 26,250 0 1,400
NETFLIX INC COM 64110L106 75 200 SH   DFND 2 200 0 0
NETFLIX INC COM 64110L106 114 304 SH   SOLE 1 304 0 0
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 83 240 SH   SOLE 1 240 0 0
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 409 1,180 SH   DFND 2 1,180 0 0
PAYCHEX INC COM 704326107 174 1,274 SH   SOLE 1 1,274 0 0
FORTIS INC COM 349553107 25 500 SH   DFND 2 500 0 0
QURATE RETAIL INC COM SER A 74915M100 174 36,450 SH   SOLE 1 36,450 0 0
BANCORP INC DEL COM 05969A105 142 5,000 SH   SOLE 1 5,000 0 0
PROLOGIS INC. COM 74340W103 6 37 SH   SOLE 1 37 0 0
MERCK & CO INC COM 58933Y105 5,656 68,936 SH   SOLE 1 64,111 0 4,825
MERCK & CO INC COM 58933Y105 10,324 125,823 SH   DFND 2 125,823 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 207 458 SH   SOLE 1 433 0 25
SPDR S&P 500 ETF TR TR UNIT 78462F103 356 788 SH   DFND 2 788 0 0
ADVANSIX INC COM 00773T101 1 18 SH   SOLE 1 18 0 0
MCKESSON CORP COM 58155Q103 49 160 SH   SOLE 1 160 0 0
MASTERCARD INCORPORATED CL A 57636Q104 3 9 SH   SOLE 1 9 0 0
ILLINOIS TOOL WKS INC COM 452308109 76 365 SH   SOLE 1 365 0 0
EMERSON ELEC CO COM 291011104 768 7,831 SH   DFND 2 7,831 0 0
EMERSON ELEC CO COM 291011104 9,807 100,022 SH   SOLE 1 96,722 0 3,300
YUM CHINA HLDGS INC COM 98850P109 9 220 SH   DFND 2 220 0 0
INTERNATIONAL BANCSHARES COR COM 459044103 137 3,242 SH   SOLE 1 1,452 0 1,790
DIAGEO PLC SPON ADR NEW 25243Q205 2,123 10,451 SH   DFND 2 10,451 0 0
DIAGEO PLC SPON ADR NEW 25243Q205 5,132 25,263 SH   SOLE 1 24,163 0 1,100
MATTEL INC COM 577081102 13 596 SH   SOLE 1 596 0 0
ISHARES INC MSCI JPN ETF NEW 46434G822 95 1,550 SH   SOLE 1 1,550 0 0
ISHARES TR TIPS BD ETF 464287176 170 1,367 SH   DFND 2 1,367 0 0
ISHARES TR TIPS BD ETF 464287176 585 4,698 SH   SOLE 1 2,976 0 1,722
SMUCKER J M CO COM NEW 832696405 3 22 SH   DFND 2 22 0 0
SMUCKER J M CO COM NEW 832696405 9 65 SH   SOLE 1 65 0 0
CORNING INC COM 219350105 33 900 SH   SOLE 1 900 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 141 1,200 SH   SOLE 1 1,200 0 0
EATON VANCE LTD DURATION INC COM 27828H105 23 2,000 SH   DFND 2 2,000 0 0
BANK NEW YORK MELLON CORP COM 064058100 8 167 SH   SOLE 1 167 0 0
KAYNE ANDERSON ENERGY INFRST COM 486606106 180 19,500 SH   DFND 2 19,500 0 0
KAYNE ANDERSON ENERGY INFRST COM 486606106 664 72,055 SH   SOLE 1 68,555 0 3,500
VERIZON COMMUNICATIONS INC COM 92343V104 3,702 72,673 SH   DFND 2 72,673 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 5,818 114,221 SH   SOLE 1 112,771 0 1,450
CHUBB LIMITED COM H1467J104 10,831 50,638 SH   SOLE 1 50,398 0 240
CHUBB LIMITED COM H1467J104 41,723 195,060 SH   DFND 2 195,060 0 0
SONOCO PRODS CO COM 835495102 360 5,752 SH   SOLE 1 5,752 0 0
MARVELL TECHNOLOGY INC COM 573874104 24 329 SH   SOLE 1 329 0 0
VALE S A SPONSORED ADS 91912E105 80 4,000 SH   SOLE 1 4,000 0 0
FEDEX CORP COM 31428X106 69 300 SH   DFND 2 300 0 0
FEDEX CORP COM 31428X106 1,259 5,439 SH   SOLE 1 5,439 0 0
VAREX IMAGING CORP COM 92214X106 16 734 SH   SOLE 1 734 0 0
SNAP ON INC COM 833034101 21 104 SH   SOLE 1 104 0 0
SHERWIN WILLIAMS CO COM 824348106 4 18 SH   SOLE 1 18 0 0
PEPSICO INC COM 713448108 7,124 42,563 SH   SOLE 1 40,763 0 1,800
PEPSICO INC COM 713448108 27,077 161,772 SH   DFND 2 161,772 0 0
MARATHON OIL CORP COM 565849106 5 183 SH   SOLE 1 183 0 0
SNAP INC CL A 83304A106 4 100 SH   SOLE 1 100 0 0
GUARANTY BANCSHARES INC TEX COM 400764106 13 363 SH   SOLE 1 363 0 0
TAKEDA PHARMACEUTICAL CO LTD SPONSORED ADS 874060205 5 372 SH   SOLE 1 372 0 0
KIMBERLY-CLARK CORP COM 494368103 426 3,461 SH   SOLE 1 3,426 0 35
OKTA INC CL A 679295105 1 6 SH   SOLE 1 6 0 0
HONEYWELL INTL INC COM 438516106 121 623 SH   SOLE 1 623 0 0
FORD MTR CO DEL COM 345370860 5 324 SH   SOLE 1 324 0 0
INGERSOLL RAND INC COM 45687V106 5 93 SH   SOLE 1 93 0 0
US BANCORP DEL COM NEW 902973304 617 11,600 SH   DFND 2 11,600 0 0
US BANCORP DEL COM NEW 902973304 654 12,300 SH   SOLE 1 12,300 0 0
BP PLC SPONSORED ADR 055622104 162 5,500 SH   SOLE 1 5,500 0 0
HOME DEPOT INC COM 437076102 39 130 SH   DFND 2 130 0 0
HOME DEPOT INC COM 437076102 1,326 4,430 SH   SOLE 1 4,430 0 0
BAXTER INTL INC COM 071813109 150 1,930 SH   SOLE 1 1,930 0 0
BAXTER INTL INC COM 071813109 157 2,025 SH   DFND 2 2,025 0 0
SUNCOR ENERGY INC NEW COM 867224107 28 850 SH   SOLE 1 850 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 3,060 13,450 SH   DFND 2 13,450 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 4,336 19,056 SH   SOLE 1 19,056 0 0
BRIGHTHOUSE FINL INC COM 10922N103 2 36 SH   SOLE 1 36 0 0
REDFIN CORP COM 75737F108 0 20 SH   SOLE 1 20 0 0
DUPONT DE NEMOURS INC COM 26614N102 8 108 SH   DFND 2 108 0 0
DUPONT DE NEMOURS INC COM 26614N102 49 668 SH   SOLE 1 668 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 238 1,474 SH   SOLE 1 1,474 0 0
SPDR GOLD TR GOLD SHS 78463V107 181 1,000 SH   DFND 2 1,000 0 0
SPDR GOLD TR GOLD SHS 78463V107 1,666 9,225 SH   SOLE 1 8,025 0 1,200
SOUTHERN CO COM 842587107 1,604 22,125 SH   DFND 2 22,125 0 0
SOUTHERN CO COM 842587107 7,031 96,967 SH   SOLE 1 95,267 0 1,700
BECTON DICKINSON & CO COM 075887109 401 1,507 SH   SOLE 1 7 0 1,500
BROADRIDGE FINL SOLUTIONS IN COM 11133T103 923 5,925 SH   SOLE 1 5,925 0 0
KEYCORP COM 493267108 35 1,584 SH   SOLE 1 1,584 0 0
BRITISH AMERN TOB PLC SPONSORED ADR 110448107 1 21 SH   SOLE 1 21 0 0
AON PLC SHS CL A G0403H108 39,076 120,000 SH   DFND 2 120,000 0 0
LUMEN TECHNOLOGIES INC COM 550241103 4 317 SH   DFND 2 317 0 0
GALLAGHER ARTHUR J & CO COM 363576109 147 844 SH   SOLE 1 844 0 0
ATMOS ENERGY CORP COM 049560105 1,207 10,100 SH   SOLE 1 10,100 0 0
CENOVUS ENERGY INC COM 15135U109 4 233 SH   SOLE 1 233 0 0
BANCO BILBAO VIZCAYA ARGENTA SPONSORED ADR 05946K101 3 477 SH   SOLE 1 477 0 0
CARS COM INC COM 14575E105 0 1 SH   SOLE 1 1 0 0
ISHARES TR CORE S&P SCP ETF 464287804 2,389 22,141 SH   SOLE 1 20,987 0 1,154
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 34,834 98,705 SH   SOLE 1 96,105 0 2,600
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 55,400 156,980 SH   DFND 2 156,980 0 0
CARTERS INC COM 146229109 2,093 22,748 SH   SOLE 1 22,748 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 1,595 3,500 SH   DFND 2 3,500 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 1,620 3,555 SH   SOLE 1 3,485 0 70
WEYERHAEUSER CO MTN BE COM NEW 962166104 226 5,966 SH   SOLE 1 5,966 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 51 650 SH   DFND 2 650 0 0
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409 27 466 SH   SOLE 1 466 0 0
ALPHABET INC CAP STK CL A 02079K305 1,313 472 SH   DFND 2 472 0 0
ALPHABET INC CAP STK CL A 02079K305 6,008 2,160 SH   SOLE 1 2,060 0 100
PROGRESSIVE CORP COM 743315103 299 2,625 SH   SOLE 1 2,625 0 0
PROGRESSIVE CORP COM 743315103 673 5,900 SH   DFND 2 5,900 0 0
ISHARES INC MSCI PAC JP ETF 464286665 165 3,359 SH   DFND 2 3,359 0 0
ISHARES INC MSCI PAC JP ETF 464286665 1,409 28,624 SH   SOLE 1 28,024 0 600
PRINCIPAL FINANCIAL GROUP IN COM 74251V102 37 505 SH   SOLE 1 505 0 0
PRINCIPAL FINANCIAL GROUP IN COM 74251V102 64 875 SH   DFND 2 875 0 0
INTUIT COM 461202103 4 9 SH   SOLE 1 9 0 0
INTUIT COM 461202103 289 600 SH   DFND 2 600 0 0
HALLIBURTON CO COM 406216101 125 3,300 SH   SOLE 1 2,500 0 800
UNILEVER PLC SPON ADR NEW 904767704 14 313 SH   SOLE 1 223 0 90
UNILEVER PLC SPON ADR NEW 904767704 38 835 SH   DFND 2 835 0 0
COMCAST CORP NEW CL A 20030N101 11,345 242,316 SH   DFND 2 242,316 0 0
COMCAST CORP NEW CL A 20030N101 14,040 299,880 SH   SOLE 1 294,680 0 5,200
MICROSOFT CORP COM 594918104 31,577 102,421 SH   SOLE 1 101,171 0 1,250
MICROSOFT CORP COM 594918104 88,765 287,908 SH   DFND 2 287,908 0 0
DOCUSIGN INC COM 256163106 2 20 SH   SOLE 1 20 0 0
CHAMPIONX CORPORATION COM 15872M104 43 1,750 SH   SOLE 1 1,750 0 0
GAMESTOP CORP NEW CL A 36467W109 100 600 SH   SOLE 1 600 0 0
INVESCO EXCH TRADED FD TR II CEF INM COMPSI 46138E404 11 500 SH   DFND 2 500 0 0
CANADIAN NAT RES LTD COM 136385101 53 856 SH   SOLE 1 856 0 0
SCHLUMBERGER LTD COM STK 806857108 648 15,680 SH   DFND 2 15,680 0 0
SCHLUMBERGER LTD COM STK 806857108 1,478 35,779 SH   SOLE 1 34,929 0 850
CVS HEALTH CORP COM 126650100 13,354 131,945 SH   SOLE 1 129,145 0 2,800
CVS HEALTH CORP COM 126650100 33,044 326,488 SH   DFND 2 326,488 0 0
DTE ENERGY CO COM 233331107 80 604 SH   SOLE 1 604 0 0
MASCO CORP COM 574599106 270 5,300 SH   SOLE 1 5,300 0 0
ISHARES INC MSCI BRAZIL ETF 464286400 4 100 SH   SOLE 1 100 0 0
V F CORP COM 918204108 14 250 SH   DFND 2 250 0 0
V F CORP COM 918204108 45 800 SH   SOLE 1 800 0 0
AMERIPRISE FINL INC COM 03076C106 1 2 SH   SOLE 1 2 0 0
GARMIN LTD SHS H2906T109 18 154 SH   SOLE 1 154 0 0
ARES CAPITAL CORP COM 04010L103 419 20,000 SH   SOLE 1 20,000 0 0
AMERICA MOVIL SAB DE CV SPON ADR L SHS 02364W105 76 3,600 SH   SOLE 1 3,600 0 0
BOEING CO COM 097023105 2,784 14,540 SH   SOLE 1 14,540 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 664 3,124 SH   SOLE 1 3,124 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 147 620 SH   SOLE 1 620 0 0
NEXTERA ENERGY INC COM 65339F101 2,507 29,600 SH   DFND 2 29,600 0 0
NEXTERA ENERGY INC COM 65339F101 10,269 121,228 SH   SOLE 1 120,028 0 1,200
OVINTIV INC COM 69047Q102 0 5 SH   SOLE 1 5 0 0
NIKE INC CL B 654106103 145 1,080 SH   DFND 2 1,080 0 0
NIKE INC CL B 654106103 578 4,297 SH   SOLE 1 4,297 0 0
SOUTHWESTERN ENERGY CO COM 845467109 6 800 SH   SOLE 1 800 0 0
TESLA INC CP, 88160R101 162 150 SH   SOLE 1 150 0 0
LINDE PLC SHS G5494J103 6,976 21,840 SH   SOLE 1 21,840 0 0
LINDE PLC SHS G5494J103 33,996 106,427 SH   DFND 2 106,427 0 0
ARCOSA INC COM 039653100 3,441 60,100 SH   SOLE 1 60,100 0 0
ARCOSA INC COM 039653100 7,341 128,228 SH   DFND 2 128,228 0 0
HILTON WORLDWIDE HLDGS INC COM 43300A203 106 700 SH   SOLE 1 700 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 18 467 SH   DFND 2 467 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 2,203 57,500 SH   SOLE 1 56,500 0 1,000
NXP SEMICONDUCTORS N V COM N6596X109 5 26 SH   SOLE 1 26 0 0
NORFOLK SOUTHN CORP COM 655844108 97 340 SH   SOLE 1 340 0 0
DELL TECHNOLOGIES INC CL C 24703L202 52 1,039 SH   SOLE 1 1,039 0 0
PUBLIC STORAGE COM 74460D109 31 79 SH   SOLE 1 79 0 0
WALGREENS BOOTS ALLIANCE INC COM 931427108 3,101 69,276 SH   SOLE 1 68,676 0 600
WALGREENS BOOTS ALLIANCE INC COM 931427108 14,098 314,900 SH   DFND 2 314,900 0 0
AMPHENOL CORP NEW CL A 032095101 0 6 SH   SOLE 1 6 0 0
CENTERPOINT ENERGY INC COM 15189T107 48 1,575 SH   DFND 2 1,575 0 0
DOLLAR TREE INC COM 256746108 12 75 SH   SOLE 1 75 0 0
INTERNATIONAL FLAVORS&FRAGRA COM 459506101 135 1,025 SH   SOLE 1 1,025 0 0
ROYAL CARIBBEAN GROUP COM V7780T103 4 50 SH   SOLE 1 50 0 0
EVEREST RE GROUP LTD COM G3223R108 18,324 60,800 SH   DFND 2 60,800 0 0
WELLTOWER INC COM 95040Q104 82 850 SH   SOLE 1 850 0 0
DOW INC COM 260557103 7 108 SH   DFND 2 108 0 0
DOW INC COM 260557103 33 521 SH   SOLE 1 521 0 0
ALCON AG ORD SHS H01301128 1,037 13,077 SH   SOLE 1 12,717 0 360
ALCON AG ORD SHS H01301128 5,127 64,625 SH   DFND 2 64,625 0 0
PINTEREST INC CL A 72352L106 25 1,000 SH   SOLE 1 1,000 0 0
ADVISORSHARES TR PURE CANNABIS 00768Y495 3 250 SH   SOLE 1 250 0 0
ZOOM VIDEO COMMUNICATIONS IN CL A 98980L101 0 3 SH   SOLE 1 3 0 0
LYONDELLBASELL INDUSTRIES N SHS - A - N53745100 31 300 SH   DFND 2 300 0 0
ASTRAZENECA PLC SPONSORED ADR 046353108 20 300 SH   DFND 2 300 0 0
CAPITAL SOUTHWEST CORP COM 140501107 51 2,136 SH   SOLE 1 2,136 0 0
FIFTH THIRD BANCORP COM 316773100 62 1,435 SH   SOLE 1 1,435 0 0
UBER TECHNOLOGIES INC COM 90353T100 3,521 98,690 SH   SOLE 1 96,390 0 2,300
UBER TECHNOLOGIES INC COM 90353T100 5,070 142,100 SH   DFND 2 142,100 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 362 738 SH   SOLE 1 738 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 638 1,300 SH   DFND 2 1,300 0 0
WESTERN UN CO COM 959802109 597 31,880 SH   SOLE 1 30,880 0 1,000
WESTERN UN CO COM 959802109 5,744 306,500 SH   DFND 2 306,500 0 0
CORTEVA INC COM 22052L104 30 521 SH   SOLE 1 521 0 0
CONSOLIDATED EDISON INC COM 209115104 9 100 SH   DFND 2 100 0 0
CONSOLIDATED EDISON INC COM 209115104 40 424 SH   SOLE 1 424 0 0
GENERAL MTRS CO COM 37045V100 22 504 SH   SOLE 1 504 0 0
CROWDSTRIKE HLDGS INC CL A 22788C105 3 12 SH   SOLE 1 12 0 0
TARGA RES CORP COM 87612G101 478 6,333 SH   SOLE 1 6,333 0 0
PLAINS ALL AMERN PIPELINE L UNIT LTD PARTN 726503105 76 7,050 SH   SOLE 1 4,000 0 3,050
WABTEC COM 929740108 37 384 SH   SOLE 1 357 0 27
WABTEC COM 929740108 203 2,112 SH   DFND 2 2,112 0 0
LILLY ELI & CO COM 532457108 215 750 SH   DFND 2 750 0 0
LILLY ELI & CO COM 532457108 587 2,050 SH   SOLE 1 2,050 0 0
AIR PRODS & CHEMS INC COM 009158106 37 150 SH   SOLE 1 150 0 0
NOV INC COM 62955J103 21 1,092 SH   SOLE 1 1,092 0 0
DRAFTKINGS INC COM CL A 26142R104 16 800 SH   SOLE 1 800 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 6,131 29,869 SH   SOLE 1 29,469 0 400
ISHARES TR RUSSELL 2000 ETF 464287655 9,352 45,558 SH   DFND 2 45,558 0 0
APOLLO GLOBAL MGMT INC COM 03769M106 78 1,259 SH   SOLE 1 1,259 0 0
FIDELITY NATL INFORMATION SV COM 31620M106 262 2,605 SH   SOLE 1 2,605 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 72 645 SH   SOLE 1 645 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 92 828 SH   DFND 2 828 0 0
DIGITAL RLTY TR INC COM 253868103 107 754 SH   SOLE 1 754 0 0
STONE HBR EMERGING MKTS INCO COM 86164T107 4 600 SH   SOLE 1 600 0 0
CARRIER GLOBAL CORPORATION COM 14448C104 331 7,222 SH   SOLE 1 7,222 0 0
BROOKFIELD INFRASTRUCTURE CO COM SB VTG SHS A 11275Q107 10 126 SH   SOLE 1 126 0 0
AFLAC INC COM 001055102 5,501 85,438 SH   SOLE 1 83,438 0 2,000
AFLAC INC COM 001055102 47,513 737,900 SH   DFND 2 737,900 0 0
FREEPORT-MCMORAN INC CL B 35671D857 4,709 94,663 SH   SOLE 1 90,063 0 4,600
FREEPORT-MCMORAN INC CL B 35671D857 25,865 520,000 SH   DFND 2 520,000 0 0
SYSCO CORP COM 871829107 1,978 24,222 SH   SOLE 1 22,922 0 1,300
PUTNAM MANAGED MUN INCOME TR COM 746823103 71 10,020 SH   SOLE 1 10,020 0 0
MFS MULTIMARKET INCOME TR SH BEN INT 552737108 31 5,850 SH   SOLE 1 5,850 0 0
MATCH GROUP INC NEW COM 57667L107 2 20 SH   SOLE 1 20 0 0
LEMONADE INC COM 52567D107 0 16 SH   SOLE 1 16 0 0
ISHARES TR SELECT DIVID ETF 464287168 151 1,175 SH   SOLE 1 1,175 0 0
AMERICAN ELEC PWR CO INC COM 025537101 71 710 SH   DFND 2 710 0 0
AMERICAN ELEC PWR CO INC COM 025537101 100 1,000 SH   SOLE 1 1,000 0 0
ENTERGY CORP NEW COM 29364G103 58 500 SH   DFND 2 500 0 0
ENTERGY CORP NEW COM 29364G103 229 1,961 SH   SOLE 1 1,961 0 0
ISHARES TR RUS MD CP GR ETF 464287481 55 550 SH   SOLE 1 550 0 0
LUMINAR TECHNOLOGIES INC COM CL A 550424105 364 23,310 SH   DFND 2 23,310 0 0
LUMINAR TECHNOLOGIES INC COM CL A 550424105 576 36,825 SH   SOLE 1 36,825 0 0
MARATHON PETE CORP COM 56585A102 761 8,900 SH   DFND 2 8,900 0 0
MARATHON PETE CORP COM 56585A102 10,894 127,410 SH   SOLE 1 125,110 0 2,300
HF SINCLAIR CORPORATION COM 403949100 6,649 166,845 SH   SOLE 1 166,845 0 0
HF SINCLAIR CORPORATION COM 403949100 489,070 12,272,781 SH   DFND 2 12,272,781 0 0
INDEPENDENT BK CORP MASS COM 453836108 433 5,297 SH   SOLE 1 5,297 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 204 1,160 SH   SOLE 1 1,160 0 0
VONTIER CORPORATION COM 928881101 2 90 SH   DFND 2 90 0 0
REGENERON PHARMACEUTICALS COM 75886F107 141 202 SH   SOLE 1 202 0 0
MAGELLAN MIDSTREAM PRTNRS LP COM UNIT RP LP 559080106 140 2,844 SH   SOLE 1 2,844 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730 19 93 SH   SOLE 1 93 0 0
VIATRIS INC COM 92556V106 49 4,527 SH   DFND 2 4,527 0 0
VIATRIS INC COM 92556V106 269 24,711 SH   SOLE 1 24,204 0 507
ENERGY TRANSFER L P COM UT LTD PTN 29273V100 418 37,348 SH   SOLE 1 37,348 0 0
ROBLOX CORP CL A 771049103 5 100 SH   SOLE 1 100 0 0
ZYNGA INC CL A 98986T108 1 106 SH   SOLE 1 106 0 0
OATLY GROUP AB SPONSORED ADS 67421J108 15 2,950 SH   SOLE 1 2,950 0 0
ORGANON & CO COMMON STOCK 68622V106 16 447 SH   DFND 2 447 0 0
ORGANON & CO COMMON STOCK 68622V106 149 4,271 SH   SOLE 1 3,889 0 382
PROSPERITY BANCSHARES INC COM 743606105 1 8 SH   SOLE 1 8 0 0
VISA INC COM CL A 92826C839 449 2,025 SH   DFND 2 2,025 0 0
VISA INC COM CL A 92826C839 4,401 19,846 SH   SOLE 1 19,846 0 0
HERSHEY COMPANY COM 427866108 85 392 SH   SOLE 1 392 0 0
LI-CYCLE HOLDINGS CORP COMMON SHARES 50202P105 801 94,800 SH   SOLE 1 94,800 0 0
LI-CYCLE HOLDINGS CORP COMMON SHARES 50202P105 3,296 390,000 SH   DFND 2 390,000 0 0
AIRSPAN NETWORKS HOLDINGS IN COM 00951K104 0 11 SH   SOLE 1 11 0 0
SYLVAMO CORP COMMON STOCK 871332102 0 12 SH   SOLE 1 12 0 0
SVB FINANCIAL GROUP COM 78486Q101 56 100 SH   SOLE 1 100 0 0
KELLOGG CO COM 487836108 30 460 SH   DFND 2 460 0 0
KYNDRYL HLDGS INC COMMON STOCK 50155Q100 70 5,315 SH   SOLE 1 5,150 0 165
KYNDRYL HLDGS INC COMMON STOCK 50155Q100 941 71,706 SH   DFND 2 71,706 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 74 300 SH   SOLE 1 300 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 486 1,690 SH   SOLE 1 1,690 0 0
RIVIAN AUTOMOTIVE INC COM CL A 76954A103 25 500 SH   SOLE 1 500 0 0
SUMMIT FINL GROUP INC COM 86606G101 320 12,500 SH   SOLE 1 0 0 12,500
PEMBINA PIPELINE CORP COM 706327103 9 244 SH   DFND 2 244 0 0
NUVEEN MUN VALUE FD INC COM 670928100 41 4,265 SH   SOLE 1 4,265 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109 157 630 SH   SOLE 1 630 0 0
PHILLIPS 66 COM 718546104 3,742 43,310 SH   SOLE 1 42,850 0 460
PHILLIPS 66 COM 718546104 9,870 114,250 SH   DFND 2 114,250 0 0
CHENIERE ENERGY INC COM NEW 16411R208 21 150 SH   SOLE 1 150 0 0
AMERICAN TOWER CORP NEW COM 03027X100 1 3 SH   SOLE 1 3 0 0
SHELL PLC SPON ADS 780259305 47 862 SH   DFND 2 862 0 0
SHELL PLC SPON ADS 780259305 185 3,370 SH   SOLE 1 2,870 0 500
META PLATFORMS INC CL A 30303M102 161 725 SH   DFND 2 725 0 0
META PLATFORMS INC CL A 30303M102 248 1,115 SH   SOLE 1 1,115 0 0
VOYA GLBL EQTY DIV & PREM OP COM 92912T100 3 454 SH   SOLE 1 454 0 0
ZIMVIE INC COM 98888T107 2 80 SH   SOLE 1 80 0 0
ISHARES TR US TRSPRTION 464287192 148 550 SH   SOLE 1 550 0 0
AMERICAN AIRLS GROUP INC COM 02376R102 5 253 SH   SOLE 1 253 0 0
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643 68 905 SH   SOLE 1 905 0 0
SERVICENOW INC COM 81762P102 9 16 SH   SOLE 1 16 0 0
BCE INC COM NEW 05534B760 52 932 SH   SOLE 1 932 0 0
TEXAS CAP BANCSHARES INC COM 88224Q107 57 1,000 SH   SOLE 1 1,000 0 0
MONDELEZ INTL INC CL A 609207105 1,077 17,154 SH   SOLE 1 16,435 0 719
MONDELEZ INTL INC CL A 609207105 11,579 184,438 SH   DFND 2 184,438 0 0
BROADCOM INC COM 11135F101 210 333 SH   SOLE 1 333 0 0
PROSHARES TR ULTRASHRT S&P500 74347G416 5 125 SH   SOLE 1 125 0 0
TENET HEALTHCARE CORP COM NEW 88033G407 0 1 SH   SOLE 1 1 0 0
PIONEER FLOATING RATE FUND I COM 72369J102 24 2,250 SH   SOLE 1 2,250 0 0
MPLX LP COM UNIT REP LTD 55336V100 43 1,308 SH   SOLE 1 1,308 0 0
JOHNSON CTLS INTL PLC SHS G51502105 22 343 SH   SOLE 1 343 0 0
METLIFE INC COM 59156R108 28 405 SH   SOLE 1 405 0 0
CANADIAN PAC RY LTD COM 13645T100 21 250 SH   SOLE 1 250 0 0
TECHNIPFMC PLC COM G87110105 4 580 SH   SOLE 1 580 0 0
PIONEER NAT RES CO COM 723787107 53 210 SH   SOLE 1 210 0 0
NUVEEN PFD & INCOME TERM FD COM 67075A106 18 800 SH   SOLE 1 800 0 0
NOVARTIS AG SPONSORED ADR 66987V109 6,740 76,811 SH   SOLE 1 75,011 0 1,800
NOVARTIS AG SPONSORED ADR 66987V109 28,567 325,555 SH   DFND 2 325,555 0 0
KONINKLIJKE PHILIPS N V NY REGIS SHS NEW 500472303 2 75 SH   SOLE 1 75 0 0
ISHARES TR CORE MSCI EAFE 46432F842 17 250 SH   DFND 2 250 0 0
ISHARES TR CORE MSCI EAFE 46432F842 191 2,742 SH   SOLE 1 2,742 0 0
TOTALENERGIES SE SPONSORED ADS 89151E109 81 1,600 SH   SOLE 1 1,600 0 0
KINDER MORGAN INC DEL COM 49456B101 0 8 SH   SOLE 1 8 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 5 14 SH   SOLE 1 14 0 0
NORTHERN TR CORP COM 665859104 0 3 SH   SOLE 1 3 0 0
STMICROELECTRONICS N V NY REGISTRY 861012102 65 1,500 SH   DFND 2 1,500 0 0
ENBRIDGE INC COM 29250N105 8 180 SH   DFND 2 180 0 0
ENBRIDGE INC COM 29250N105 176 3,814 SH   SOLE 1 3,814 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 1,444 27,927 SH   DFND 2 27,927 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 23,447 453,354 SH   SOLE 1 443,130 0 10,223
ARCHER DANIELS MIDLAND CO COM 039483102 87 967 SH   SOLE 1 967 0 0
GENUINE PARTS CO COM 372460105 353 2,800 SH   SOLE 1 2,800 0 0
GRAINGER W W INC COM 384802104 490 950 SH   DFND 2 950 0 0
ABBVIE INC COM 00287Y109 2,560 15,790 SH   DFND 2 15,790 0 0
ABBVIE INC COM 00287Y109 25,224 155,601 SH   SOLE 1 153,629 0 1,972
S&P GLOBAL INC COM 78409V104 17 41 SH   SOLE 1 41 0 0
SPDR SER TR S&P BIOTECH 78464A870 175 1,950 SH   SOLE 1 1,950 0 0
CONTINENTAL RES INC COM 212015101 16 262 SH   SOLE 1 262 0 0
ISHARES INC CORE MSCI EMKT 46434G103 76 1,370 SH   SOLE 1 1,370 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 202 3,500 SH   SOLE 1 3,500 0 0
COTERRA ENERGY INC COM 127097103 4 156 SH   SOLE 1 156 0 0
NATIONAL FUEL GAS CO COM 636180101 3 50 SH   SOLE 1 50 0 0
SUNCOKE ENERGY INC COM 86722A103 0 47 SH   SOLE 1 47 0 0
CELANESE CORP DEL COM 150870103 1 7 SH   SOLE 1 7 0 0
CELANESE CORP DEL COM 150870103 157 1,099 SH   DFND 2 1,099 0 0
INVESCO EXCHANGE TRADED FD T DYNMC LRG VALU 46137V738 412 8,420 SH   SOLE 1 8,420 0 0
ZOETIS INC CL A 98978V103 1,299 6,887 SH   DFND 2 6,887 0 0
ZOETIS INC CL A 98978V103 4,770 25,295 SH   SOLE 1 23,595 0 1,700
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 51 485 SH   SOLE 1 485 0 0
INVESCO CURRENCYSHARES BRIT BRIT POUN STRL 46138M109 63 495 SH   SOLE 1 495 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 3 12 SH   SOLE 1 12 0 0
BLACKSTONE INC COM 09260D107 295 2,325 SH   SOLE 1 2,325 0 0
ABM INDS INC COM 000957100 313 6,800 SH   SOLE 1 6,800 0 0
ZIMMER BIOMET HOLDINGS INC COM 98956P102 102 800 SH   SOLE 1 800 0 0
NUVEEN QUALITY MUNCP INCOME COM 67066V101 91 6,833 SH   SOLE 1 6,833 0 0
HANNON ARMSTRONG SUST INFR C COM 41068X100 1 12 SH   SOLE 1 12 0 0
STRYKER CORPORATION COM 863667101 1,409 5,270 SH   DFND 2 5,270 0 0
STRYKER CORPORATION COM 863667101 3,740 13,991 SH   SOLE 1 12,591 0 1,400
QUALCOMM INC COM 747525103 15,085 98,710 SH   SOLE 1 97,410 0 1,300
QUALCOMM INC COM 747525103 24,223 158,506 SH   DFND 2 158,506 0 0
GENERAL DYNAMICS CORP COM 369550108 41 170 SH   DFND 2 170 0 0
GENERAL DYNAMICS CORP COM 369550108 941 3,900 SH   SOLE 1 3,900 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602 1 3 SH   SOLE 1 3 0 0
MGM RESORTS INTERNATIONAL COM 552953101 6 150 SH   SOLE 1 150 0 0
CULLEN FROST BANKERS INC COM 229899109 6,458 46,661 SH   SOLE 1 44,801 0 1,860
CULLEN FROST BANKERS INC COM 229899109 22,104 159,700 SH   DFND 2 159,700 0 0
DISCOVER FINL SVCS COM 254709108 61 553 SH   DFND 2 553 0 0
DISCOVER FINL SVCS COM 254709108 2,531 22,969 SH   SOLE 1 22,969 0 0
MCDONALDS CORP COM 580135101 146 590 SH   DFND 2 590 0 0
MCDONALDS CORP COM 580135101 1,202 4,860 SH   SOLE 1 4,860 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104 96 725 SH   DFND 2 725 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104 838 6,345 SH   SOLE 1 6,345 0 0
QUEST DIAGNOSTICS INC COM 74834L100 20 148 SH   SOLE 1 148 0 0
DOVER CORP COM 260003108 643 4,100 SH   SOLE 1 4,100 0 0
CISCO SYS INC COM 17275R102 2,294 41,148 SH   DFND 2 41,148 0 0
CISCO SYS INC COM 17275R102 17,913 321,252 SH   SOLE 1 314,552 0 6,700
TAPESTRY INC COM 876030107 167 4,500 SH   DFND 2 4,500 0 0
TAPESTRY INC COM 876030107 394 10,600 SH   SOLE 1 10,600 0 0
ISHARES TR RUS MID CAP ETF 464287499 219 2,801 SH   SOLE 1 2,801 0 0
APA CORPORATION COM 03743Q108 145 3,520 SH   SOLE 1 3,520 0 0
ADVANCED MICRO DEVICES INC COM 007903107 17 160 SH   SOLE 1 160 0 0
ADVANCED MICRO DEVICES INC COM 007903107 46 420 SH   DFND 2 420 0 0
AUTODESK INC COM 052769106 4 17 SH   SOLE 1 17 0 0
AT&T INC COM 00206R102 95 4,041 SH   DFND 2 4,041 0 0
AT&T INC COM 00206R102 2,292 96,980 SH   SOLE 1 95,453 0 1,527
SELECT SECTOR SPDR TR ENERGY 81369Y506 283 3,700 SH   SOLE 1 3,700 0 0
HENRY SCHEIN INC COM 806407102 52 600 SH   DFND 2 600 0 0
HENRY SCHEIN INC COM 806407102 65 750 SH   SOLE 1 750 0 0
GENERAL ELECTRIC CO COM NEW 369604301 1,036 11,317 SH   SOLE 1 11,167 0 150
GENERAL ELECTRIC CO COM NEW 369604301 4,468 48,834 SH   DFND 2 48,834 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 29 215 SH   SOLE 1 215 0 0
ISHARES TR S&P SML 600 GWT 464287887 438 3,500 SH   SOLE 1 3,500 0 0
NOKIA CORP SPONSORED ADR 654902204 333 61,000 SH   SOLE 1 61,000 0 0
ISHARES TR MSCI USA MMENTM 46432F396 2 10 SH   SOLE 1 10 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 78 421 SH   SOLE 1 421 0 0
EXPEDIA GROUP INC COM NEW 30212P303 78 400 SH   DFND 2 400 0 0
EXPEDIA GROUP INC COM NEW 30212P303 253 1,291 SH   SOLE 1 1,291 0 0
CHARTER COMMUNICATIONS INC N CL A 16119P108 2 3 SH   SOLE 1 0 0 3
ISHARES TR S&P 500 VAL ETF 464287408 31 200 SH   DFND 2 200 0 0
ISHARES TR S&P 500 VAL ETF 464287408 152 975 SH   SOLE 1 975 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 140 1,832 SH   SOLE 1 1,832 0 0
ISHARES TR CORE S&P500 ETF 464287200 3,243 7,147 SH   SOLE 1 6,432 0 715
KONTOOR BRANDS INC COM 50050N103 1 35 SH   DFND 2 35 0 0
KONTOOR BRANDS INC COM 50050N103 5 114 SH   SOLE 1 114 0 0
CIGNA CORP NEW COM 125523100 48 200 SH   SOLE 1 200 0 0
HILLTOP HOLDINGS INC COM 432748101 176 6,000 SH   SOLE 1 6,000 0 0
ONEOK INC NEW COM 682680103 271 3,841 SH   SOLE 1 3,841 0 0
RENAISSANCERE HLDGS LTD COM G7496G103 23,777 150,000 SH   DFND 2 150,000 0 0
WELLS FARGO CO NEW COM 949746101 22 455 SH   DFND 2 455 0 0
WELLS FARGO CO NEW COM 949746101 212 4,373 SH   SOLE 1 4,373 0 0
VMWARE INC CL A COM 928563402 132 1,163 SH   SOLE 1 1,163 0 0
UNION PAC CORP COM 907818108 402 1,472 SH   SOLE 1 1,471 0 0
UNION PAC CORP COM 907818108 1,065 3,898 SH   DFND 2 3,898 0 0
ISHARES TR PFD AND INCM SEC 464288687 105 2,870 SH   DFND 2 2,870 0 0
ISHARES TR PFD AND INCM SEC 464288687 916 25,146 SH   SOLE 1 24,747 0 399
SALESFORCE COM INC COM 79466L302 85 400 SH   DFND 2 400 0 0
SALESFORCE COM INC COM 79466L302 3,267 15,386 SH   SOLE 1 15,186 0 200
DOLBY LABORATORIES INC COM CL A 25659T107 16 200 SH   SOLE 1 200 0 0
REPUBLIC SVCS INC COM 760759100 2 12 SH   SOLE 1 12 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 5 9 SH   SOLE 1 9 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 118 200 SH   DFND 2 200 0 0
LOCKHEED MARTIN CORP COM 539830109 15 35 SH   DFND 2 35 0 0
LOCKHEED MARTIN CORP COM 539830109 919 2,081 SH   SOLE 1 2,081 0 0
JPMORGAN CHASE & CO COM 46625H100 7,655 56,157 SH   SOLE 1 54,357 0 1,800
JPMORGAN CHASE & CO COM 46625H100 42,353 310,690 SH   DFND 2 310,690 0 0
INTERNATIONAL PAPER CO COM 460146103 6 133 SH   SOLE 1 133 0 0
CHEVRON CORP NEW COM 166764100 904 5,554 SH   DFND 2 5,554 0 0
CHEVRON CORP NEW COM 166764100 4,311 26,476 SH   SOLE 1 26,176 0 300
CONOCOPHILLIPS COM 20825C104 3,735 37,347 SH   SOLE 1 37,046 0 300
CONOCOPHILLIPS COM 20825C104 15,608 156,080 SH   DFND 2 156,080 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 792 16,500 SH   SOLE 1 16,500 0 0
CAMPBELL SOUP CO COM 134429109 36 800 SH   SOLE 1 800 0 0
DANAHER CORPORATION COM 235851102 194 660 SH   DFND 2 660 0 0
DANAHER CORPORATION COM 235851102 1,011 3,447 SH   SOLE 1 3,447 0 0
KOHLS CORP COM 500255104 3 50 SH   SOLE 1 50 0 0
M & T BK CORP COM 55261F104 7 41 SH   SOLE 1 41 0 0
BK OF AMERICA CORP COM 060505104 12,607 305,841 SH   SOLE 1 299,491 0 6,350
BK OF AMERICA CORP COM 060505104 32,936 799,026 SH   DFND 2 799,026 0 0
ONE GAS INC COM 68235P108 44 500 SH   SOLE 1 500 0 0
EXTRA SPACE STORAGE INC COM 30225T102 196 954 SH   SOLE 1 954 0 0
SPDR SER TR S&P DIVID ETF 78464A763 413 3,222 SH   SOLE 1 3,222 0 0
WALMART INC COM 931142103 3,255 21,860 SH   DFND 2 21,860 0 0
WALMART INC COM 931142103 9,344 62,743 SH   SOLE 1 62,307 0 435
INTERNATIONAL BUSINESS MACHS COM 459200101 2,917 22,433 SH   SOLE 1 21,608 0 825
INTERNATIONAL BUSINESS MACHS COM 459200101 46,640 358,715 SH   DFND 2 358,715 0 0
ORACLE CORP COM 68389X105 123 1,482 SH   SOLE 1 1,372 0 110
RAYTHEON TECHNOLOGIES CORP COM 75513E101 550 5,548 SH   DFND 2 5,548 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 8,655 87,366 SH   SOLE 1 86,858 0 508
KNOWLES CORP COM 49926D109 38 1,750 SH   SOLE 1 1,750 0 0
TEXAS INSTRS INC COM 882508104 5,521 30,092 SH   SOLE 1 29,822 0 270
TEXAS INSTRS INC COM 882508104 6,942 37,836 SH   DFND 2 37,836 0 0
TARGET CORP COM 87612E106 889 4,189 SH   DFND 2 4,189 0 0
TARGET CORP COM 87612E106 10,012 47,176 SH   SOLE 1 46,476 0 700
TEVA PHARMACEUTICAL INDS LTD SPONSORED ADS 881624209 23 2,475 SH   SOLE 1 2,475 0 0
PFIZER INC COM 717081103 12,991 250,942 SH   SOLE 1 246,842 0 4,100
PFIZER INC COM 717081103 42,467 820,293 SH   DFND 2 820,293 0 0
ISHARES TR IBOXX INV CP ETF 464287242 80 663 SH   SOLE 1 663 0 0
MORGAN STANLEY COM NEW 617446448 19 215 SH   DFND 2 215 0 0
MORGAN STANLEY COM NEW 617446448 1,999 22,875 SH   SOLE 1 22,875 0 0
3M CO COM 88579Y101 1,451 9,747 SH   SOLE 1 9,747 0 0
3M CO COM 88579Y101 13,960 93,767 SH   DFND 2 93,767 0 0
GILEAD SCIENCES INC COM 375558103 116 1,950 SH   SOLE 1 1,950 0 0
CATERPILLAR INC COM 149123101 22 100 SH   DFND 2 100 0 0
ALPHABET INC CAP STK CL C 02079K107 2,223 796 SH   DFND 2 796 0 0
ALPHABET INC CAP STK CL C 02079K107 20,995 7,517 SH   SOLE 1 7,472 0 45
AMERICAN EXPRESS CO COM 025816109 9 50 SH   DFND 2 50 0 0
AMERICAN EXPRESS CO COM 025816109 1,445 7,727 SH   SOLE 1 7,727 0 0
RENASANT CORP COM 75970E107 126 3,770 SH   SOLE 1 3,770 0 0
AMGEN INC COM 031162100 946 3,912 SH   DFND 2 3,912 0 0
AMGEN INC COM 031162100 10,211 42,227 SH   SOLE 1 40,527 0 1,700
APPLIED MATLS INC COM 038222105 109 825 SH   SOLE 1 825 0 0
OTIS WORLDWIDE CORP COM 68902V107 270 3,503 SH   SOLE 1 3,503 0 0
ANALOG DEVICES INC COM 032654105 1,124 6,806 SH   DFND 2 6,806 0 0
ANALOG DEVICES INC COM 032654105 7,541 45,653 SH   SOLE 1 45,653 0 0
TYSON FOODS INC CL A 902494103 25 275 SH   SOLE 1 275 0 0
ARES MANAGEMENT CORPORATION CL A COM STK 03990B101 46 561 SH   SOLE 1 561 0 0
WILLIAMS COS INC COM 969457100 10,761 322,089 SH   SOLE 1 317,389 0 4,700
WILLIAMS COS INC COM 969457100 18,766 561,700 SH   DFND 2 561,700 0 0
NOW INC COM 67011P100 5 417 SH   SOLE 1 417 0 0
CANADIAN NATL RY CO COM 136375102 1 10 SH   SOLE 1 10 0 0
ISHARES TR CORE S&P US GWT 464287671 602 5,699 SH   SOLE 1 5,699 0 0
BANK MONTREAL QUE COM 063671101 6 51 SH   SOLE 1 51 0 0
TC ENERGY CORP COM 87807B107 11 200 SH   DFND 2 200 0 0
EATON CORP PLC SHS G29183103 108 713 SH   SOLE 1 713 0 0
BROOKFIELD INFRAST PARTNERS LP INT UNIT G16252101 75 1,139 SH   SOLE 1 1,139 0 0
LIBERTY TRIPADVISOR HLDGS IN COM SER A 531465102 0 134 SH   SOLE 1 134 0 0
LIBERTY TRIPADVISOR HLDGS IN COM SER A 531465102 2 980 SH   DFND 2 980 0 0
CDK GLOBAL INC COM 12508E101 35 716 SH   DFND 2 716 0 0
CDK GLOBAL INC COM 12508E101 52 1,071 SH   SOLE 1 1,071 0 0
VERITEX HLDGS INC COM 923451108 305 7,990 SH   SOLE 1 7,990 0 0
KEYSIGHT TECHNOLOGIES INC COM 49338L103 11 69 SH   SOLE 1 69 0 0
AVANOS MED INC COM 05350V106 6 165 SH   SOLE 1 165 0 0
LIBERTY BROADBAND CORP COM SER C 530307305 24 178 SH   SOLE 1 178 0 0
LIBERTY BROADBAND CORP COM SER C 530307305 139 1,027 SH   DFND 2 1,027 0 0
C H ROBINSON WORLDWIDE INC COM NEW 12541W209 22 204 SH   SOLE 1 204 0 0
CORE LABORATORIES N V COM N22717107 19 600 SH   SOLE 1 600 0 0
DELTA AIR LINES INC DEL COM NEW 247361702 20 500 SH   SOLE 1 500 0 0
MARKETAXESS HLDGS INC COM 57060D108 0 1 SH   SOLE 1 1 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 187 2,400 SH   DFND 2 2,400 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 6,571 84,352 SH   SOLE 1 84,352 0 0
FLUOR CORP NEW COM 343412102 1,116 38,900 SH   SOLE 1 38,800 0 100
FLUOR CORP NEW COM 343412102 6,518 227,200 SH   DFND 2 227,200 0 0
CYTOSORBENTS CORP COM NEW 23283X206 29 9,000 SH   SOLE 1 9,000 0 0
NETGEAR INC COM 64111Q104 49 2,000 SH   SOLE 1 2,000 0 0
PHILIP MORRIS INTL INC COM 718172109 2,638 28,077 SH   SOLE 1 27,677 0 400
PHILIP MORRIS INTL INC COM 718172109 14,547 154,858 SH   DFND 2 154,858 0 0
QUAKER HOUGHTON COM 747316107 44 257 SH   SOLE 1 257 0 0
ROBERT HALF INTL INC COM 770323103 32 284 SH   SOLE 1 284 0 0
ROPER TECHNOLOGIES INC COM 776696106 1 2 SH   SOLE 1 2 0 0
TRINITY INDS INC COM 896522109 5,354 155,819 SH   SOLE 1 154,419 0 1,400
TRINITY INDS INC COM 896522109 13,383 389,500 SH   DFND 2 389,500 0 0
PNC FINL SVCS GROUP INC COM 693475105 1 3 SH   SOLE 1 3 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 8,009 109,664 SH   SOLE 1 106,360 0 3,304
BRISTOL-MYERS SQUIBB CO COM 110122108 23,344 319,655 SH   DFND 2 319,655 0 0
BARRICK GOLD CORP COM 067901108 13 520 SH   SOLE 1 0 0 520
ALTRIA GROUP INC COM 02209S103 1,609 30,788 SH   SOLE 1 30,788 0 0
ALTRIA GROUP INC COM 02209S103 17,582 336,500 SH   DFND 2 336,500 0 0
DOMINION ENERGY INC COM 25746U109 562 6,610 SH   DFND 2 6,610 0 0
DOMINION ENERGY INC COM 25746U109 1,260 14,829 SH   SOLE 1 13,829 0 1,000
CITIGROUP INC COM NEW 172967424 14 265 SH   DFND 2 265 0 0
CITIGROUP INC COM NEW 172967424 287 5,373 SH   SOLE 1 5,373 0 0
AGILENT TECHNOLOGIES INC COM 00846U101 18 138 SH   SOLE 1 138 0 0
EXXON MOBIL CORP COM 30231G102 1,202 14,550 SH   DFND 2 14,549 0 0
EXXON MOBIL CORP COM 30231G102 4,964 60,110 SH   SOLE 1 55,073 0 5,037
UNITEDHEALTH GROUP INC COM 91324P102 1,025 2,009 SH   DFND 2 2,009 0 0
UNITEDHEALTH GROUP INC COM 91324P102 6,553 12,849 SH   SOLE 1 12,599 0 250
PRICE T ROWE GROUP INC COM 74144T108 1,253 8,287 SH   DFND 2 8,287 0 0
PRICE T ROWE GROUP INC COM 74144T108 8,787 58,121 SH   SOLE 1 55,021 0 3,100
TRAVELERS COMPANIES INC COM 89417E109 54 298 SH   SOLE 1 298 0 0
LOWES COS INC COM 548661107 8,360 41,347 SH   DFND 2 41,347 0 0
LOWES COS INC COM 548661107 15,010 74,235 SH   SOLE 1 70,935 0 3,300
DEERE & CO COM 244199105 129 310 SH   SOLE 1 310 0 0
SOUTHWEST AIRLS CO COM 844741108 346 7,558 SH   SOLE 1 7,558 0 0
COLGATE PALMOLIVE CO COM 194162103 30 400 SH   DFND 2 400 0 0
COLGATE PALMOLIVE CO COM 194162103 1,619 21,353 SH   SOLE 1 21,353 0 0
INVITAE CORP COM 46185L103 0 20 SH   SOLE 1 20 0 0
AMERICAN INTL GROUP INC COM NEW 026874784 26 410 SH   SOLE 1 410 0 0
SHOPIFY INC CL A 82509L107 3 4 SH   SOLE 1 4 0 0
DEVON ENERGY CORP NEW COM 25179M103 363 6,136 SH   SOLE 1 6,085 0 51
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W308 0 1 SH   SOLE 1 1 0 0
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W308 3 207 SH   DFND 2 207 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 3 41 SH   SOLE 1 41 0 0
TELLURIAN INC NEW COM 87968A104 1 200 SH   SOLE 1 200 0 0
KRAFT HEINZ CO COM 500754106 7 166 SH   SOLE 1 166 0 0
PAYPAL HLDGS INC COM 70450Y103 2,324 20,091 SH   DFND 2 20,091 0 0
PAYPAL HLDGS INC COM 70450Y103 9,045 78,214 SH   SOLE 1 76,114 0 2,100
SCHWAB CHARLES CORP COM 808513105 35 420 SH   SOLE 1 420 0 0
SCHWAB CHARLES CORP COM 808513105 894 10,600 SH   DFND 2 10,600 0 0
DENTSPLY SIRONA INC COM 24906P109 10 195 SH   DFND 2 195 0 0
CROWN CASTLE INTL CORP NEW COM 22822V101 49 266 SH   SOLE 1 266 0 0
CARDINAL HEALTH INC COM 14149Y108 9 152 SH   SOLE 1 152 0 0
BLACKROCK INC COM 09247X101 38 50 SH   DFND 2 50 0 0
BLACKROCK INC COM 09247X101 468 612 SH   SOLE 1 612 0 0
ISHARES TR CORE S&P MCP ETF 464287507 1,938 7,221 SH   SOLE 1 6,687 0 534
ISHARES TR MSCI EAFE ETF 464287465 426 5,790 SH   DFND 2 5,790 0 0
ISHARES TR MSCI EAFE ETF 464287465 6,866 93,284 SH   SOLE 1 90,900 0 2,384
APPLE INC COM 037833100 8,185 46,875 SH   DFND 2 46,875 0 0
APPLE INC COM 037833100 51,633 295,702 SH   SOLE 1 288,772 0 6,930
GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 44 1,017 SH   DFND 2 1,017 0 0
WEC ENERGY GROUP INC COM 92939U106 171 1,713 SH   SOLE 1 1,713 0 0
ABBOTT LABS COM 002824100 1,123 9,485 SH   DFND 2 9,485 0 0
ABBOTT LABS COM 002824100 12,169 102,813 SH   SOLE 1 101,113 0 1,700
DISNEY WALT CO COM 254687106 12,380 90,261 SH   SOLE 1 87,960 0 2,300
DISNEY WALT CO COM 254687106 14,249 103,886 SH   DFND 2 103,885 0 0
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 38 2,775 SH   SOLE 1 2,775 0 0
CSW INDUSTRIALS INC COM 126402106 251 2,136 SH   SOLE 1 2,136 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 5 47 SH   SOLE 1 47 0 0
MARSH & MCLENNAN COS INC COM 571748102 1,277 7,496 SH   SOLE 1 7,496 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 300 1,805 SH   SOLE 1 1,805 0 0