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
ABB LTD - SP ADR COM 000375204   234 7,680 SH   SOLE   7,680 0 0
AFLAC INC COM 001055102   425 5,908 SH   SOLE   5,908 0 0
AES CORPORATION COM 00130H105   295 10,240 SH   SOLE   10,240 0 0
AT&T INC COM 00206R102   46,776 2,540,777 SH   DFND   2,444,166 0 96,610
ABBOTT LABORATORIES COM 002824100   1,773 16,146 SH   DFND   16,111 0 35
ABBVIE INC COM 00287Y109   69,119 427,687 SH   DFND   410,027 0 17,659
ADOBE INC. COM 00724F101   4,245 12,614 SH   DFND   12,019 0 595
ADVANCED MICRO DEVICES INC COM 007903107   677 10,457 SH   SOLE   10,457 0 0
AGENT INFORMATION SOFTWARE I COM 00847D108   45 28,000 SH   SOLE   28,000 0 0
AIR PRODUCTS& CHEMICALS INC COM 009158106   2,282 7,403 SH   DFND   7,311 0 92
ALLIANZ SE - UNSP ADR COM 018820100   244 11,355 SH   SOLE   11,355 0 0
ALPHABET CLASS C COM 02079K107   6,632 74,740 SH   DFND   71,863 0 2,877
ALPHABET CLASS A COM 02079K305   3,974 45,041 SH   DFND   43,241 0 1,800
ALTRIA GROUP INC COM 02209S103   52,172 1,141,373 SH   DFND   1,089,842 0 51,530
AMAZON.COM INC COM 023135106   3,647 43,418 SH   DFND   41,858 0 1,560
AMERICAN EXPRESS CO COM 025816109   1,546 10,464 SH   DFND   10,247 0 217
AMGEN INC COM 031162100   8,968 34,144 SH   DFND   34,104 0 40
APPLE INC COM 037833100   24,355 187,449 SH   DFND   184,607 0 2,842
APPLIED MATERIALS INC COM 038222105   1,123 11,537 SH   SOLE   11,537 0 0
ARES CAPITAL CORP COM 04010L103   237 12,832 SH   SOLE   12,832 0 0
ASTRAZENECA PLC - ADR COM 046353108   6,687 98,625 SH   DFND   93,652 0 4,973
AXA - SP ADR COM 054536107   268 9,620 SH   SOLE   9,620 0 0
BAE SYSTEMS PLC - SP ADR COM 05523R107   374 8,880 SH   SOLE   8,880 0 0
BP PLC - ADR COM 055622104   467 13,379 SH   SOLE   13,379 0 0
BNP PARIBAS-ADR COM 05565A202   280 9,826 SH   SOLE   9,826 0 0
BANK OF AMERICA CORP COM 060505104   42,300 1,277,186 SH   DFND   1,218,766 0 58,420
BARCLAYS PLC - ADR COM 06738E204   247 31,615 SH   SOLE   31,615 0 0
BERKSHIRE HATHAWAY INC - CL B COM 084670702   822 2,660 SH   SOLE   2,660 0 0
BHP BILLITON LTD - SP ADR COM 088606108   1,619 26,096 SH   DFND   25,451 0 645
BLACKROCK INC COM 09247X101   50,274 70,945 SH   DFND   68,116 0 2,829
BOEING COMPANY COM 097023105   691 3,628 SH   SOLE   3,628 0 0
BORGWARNER INC COM 099724106   2,424 60,218 SH   DFND   58,485 0 1,733
BRISTOL-MYERS SQUIBB CO COM 110122108   69,687 968,547 SH   DFND   927,727 0 40,819
BRITISH AMERN TOBACCO PLC ADR COM 110448107   354 8,845 SH   SOLE   8,845 0 0
BROADCOM INC COM 11135F101   62,998 112,671 SH   DFND   108,035 0 4,636
CK HUTCHISON HOLDIN-UNSP ADR COM 12562Y100   225 37,850 SH   SOLE   37,850 0 0
CVS HEALTH CORPORATION COM 126650100   58,280 625,393 SH   DFND   598,803 0 26,590
COTERRA ENERGY COM 127097103   2,862 116,490 SH   DFND   108,840 0 7,650
CAPITAL ONE FINANCIAL CORP COM 14040H105   906 9,750 SH   DFND   9,385 0 365
CAPITAL WORLD GROWTH& INC-A FUND 140543109   205 3,973 SH   SOLE   3,973 0 0
CATERPILLAR INC COM 149123101   956 3,991 SH   SOLE   3,991 0 0
CHEVRON CORP COM 166764100   64,044 356,810 SH   DFND   341,065 0 15,745
CISCO SYSTEMS INC COM 17275R102   70,701 1,484,065 SH   DFND   1,424,959 0 59,105
COMCAST CORP - CL A COM 20030N101   41,629 1,190,418 SH   DFND   1,149,113 0 41,305
CONSTELLATION BRANDS INC-A COM 21036P108   4,831 20,846 SH   DFND   19,866 0 980
CORNING INC COM 219350105   33,242 1,040,753 SH   DFND   999,293 0 41,460
COSTCO WHOLESALE CORP COM 22160K105   1,326 2,904 SH   SOLE   2,904 0 0
DFA EMERGING MKTS CORE EQUITY FUND 233203421   3,769 187,116 SH   DFND   183,925 0 3,191
DFA US TARGETED VALUE PORT FUND 233203595   4,182 152,667 SH   DFND   147,611 0 5,056
DFA SMALL CAP VALUE FUND FUND 233203819   4,840 123,193 SH   DFND   122,568 0 624
DFA US LARGE CAP VALUE FUND FUND 233203827   5,616 135,314 SH   SOLE   135,314 0 0
DFA INTL L/C GROWTH PORT FUND 23320G265   3,829 278,067 SH   DFND   277,000 0 1,067
MERCEDES BENZ GROUP UNSP-ADR COM 233825207   296 18,110 SH   SOLE   18,110 0 0
DFA INTL VALUE FUND FUND 25434D203   11,472 645,226 SH   DFND   629,895 0 15,331
DIMENSIONAL EMERGING CORE EQ FUND 25434V302   829 37,780 SH   SOLE   37,780 0 0
DISNEY WALT CO COM 254687106   3,657 42,089 SH   DFND   40,109 0 1,980
DOMINION ENERGY INC COM 25746U109   797 12,992 SH   SOLE   12,992 0 0
DOW INC COM 260557103   15,215 301,942 SH   DFND   287,684 0 14,258
DUKE ENERGY CORP COM 26441C204   246 2,389 SH   SOLE   2,389 0 0
DUPONT DE NEMOURS INC COM 26614N102   4,895 71,329 SH   DFND   67,446 0 3,883
EASTMAN CHEMICAL COMPANY COM 277432100   634 7,782 SH   DFND   7,765 0 17
EMERSON ELECTRIC COMPANY COM 291011104   32,457 337,883 SH   DFND   322,428 0 15,455
ENBRIDGE INC COM 29250N105   47,852 1,223,827 SH   DFND   1,170,882 0 52,945
ERICSSON COM 294821608   167 28,630 SH   SOLE   28,630 0 0
EVERGY INC COM 30034W106   21,030 334,187 SH   DFND   320,562 0 13,625
EXELON CORPORATION COM 30161N101   359 8,300 SH   SOLE   8,300 0 0
EXPEDIA GROUP INC. COM 30212P303   1,900 21,693 SH   DFND   20,603 0 1,090
EXXON MOBIL CORP COM 30231G102   11,000 99,725 SH   DFND   94,790 0 4,935
META PLATFORMS INC COM 30303M102   225 1,870 SH   SOLE   1,870 0 0
FIDELITY 500 INDEX-INST PRM FUND 315911750   380 2,854 SH   SOLE   2,854 0 0
GENERAL ELECTRIC CO COM 369604301   327 3,906 SH   DFND   3,906 0 0
GENERAL MILLS INCORPORATED COM 370334104   3,382 40,336 SH   DFND   39,991 0 345
GENUINE PARTS CO COM 372460105   2,838 16,359 SH   DFND   11,359 0 5,000
GILEAD SCIENCES INC COM 375558103   60,519 704,941 SH   DFND   683,381 0 21,560
HOME DEPOT INC COM 437076102   33,195 105,093 SH   DFND   100,798 0 4,295
HONDA MOTOR CO LTD - SP ADR COM 438128308   215 9,400 SH   SOLE   9,400 0 0
HONEYWELL INTERNATIONAL INC COM 438516106   7,286 33,997 SH   DFND   32,675 0 1,322
IMPERIAL BRANDS PLC-SPON ADR COM 45262P102   222 8,880 SH   SOLE   8,880 0 0
INTEL CORPORATION COM 458140100   1,366 51,672 SH   DFND   51,127 0 545
INTERNATIONAL BUSINESS MACHINE COM 459200101   54,922 389,818 SH   DFND   373,003 0 16,815
INT'L FLAVORS& FRAGRANCES COM 459506101   26,361 251,443 SH   DFND   241,206 0 10,237
INVESCO QQQ TR FUND 46090E103   1,655 6,215 SH   SOLE   6,215 0 0
ISHARES CORE S&P 500 ETF FUND 464287200   2,231 5,805 SH   SOLE   5,805 0 0
ISHARES MSCI EAFE ETF FUND 464287465   2,509 38,230 SH   DFND   37,475 0 755
ISHARES RUSSELL M/C GROWTH ETF FUND 464287481   4,670 55,858 SH   DFND   52,877 0 2,981
ISHARES RUSSELL 1000 VALUE ETF FUND 464287598   36,383 239,915 SH   DFND   232,115 0 7,800
ISHARES RUSSELL 1000 GROWTH ET FUND 464287614   3,723 17,377 SH   DFND   16,852 0 525
ISHARES RUSSELL 2000 VALUE FD FUND 464287630   654 4,718 SH   DFND   4,190 0 528
ISHARES RUSSELL 2000 INDEX FD FUND 464287655   1,871 10,730 SH   DFND   10,580 0 150
ISHARES MSCI EAFE VALUE ETF FUND 464288877   400 8,725 SH   SOLE   8,725 0 0
ISHARES MSCI EAFE GROWTH ETF FUND 464288885   647 7,725 SH   SOLE   7,725 0 0
ISHARES CORE MSCI EM MKTS ETF FUND 46434G103   2,727 58,400 SH   DFND   57,145 0 1,255
JPMORGAN CHASE& CO COM 46625H100   57,737 430,551 SH   DFND   413,502 0 17,048
JOHNSON& JOHNSON COM 478160104   36,538 206,836 SH   DFND   197,788 0 9,048
KELLOGG COMPANY COM 487836108   348 4,881 SH   DFND   4,481 0 400
LILLY ELI& COMPANY COM 532457108   4,829 13,200 SH   DFND   12,050 0 1,150
LINCOLN NATIONAL CORP COM 534187109   1,346 43,824 SH   DFND   43,524 0 300
LOCKHEED MARTIN CORPORATION COM 539830109   51,794 106,465 SH   DFND   102,967 0 3,498
LOWES COMPANIES INC COM 548661107   2,941 14,761 SH   DFND   14,096 0 665
M& T BANK CORP COM 55261F104   1,028 7,088 SH   DFND   6,738 0 350
MANULIFE FINANCIAL CORP COM 56501R106   184 10,334 SH   SOLE   10,334 0 0
MCDONALDS CORP COM 580135101   3,015 11,439 SH   DFND   11,330 0 109
MERCK& COMPANY INC COM 58933Y105   922 8,311 SH   SOLE   8,311 0 0
METLIFE INC COM 59156R108   5,726 79,123 SH   DFND   77,543 0 1,580
MICROSOFT CORP COM 594918104   17,333 72,274 SH   DFND   70,901 0 1,373
MICROCHIP TECHNOLOGY INC COM 595017104   617 8,787 SH   SOLE   8,787 0 0
MITSUBISHI UFJ FINL GRP - ADR COM 606822104   304 45,600 SH   SOLE   45,600 0 0
MOLSON COORS BEVERAGE COMPANY COM 60871R209   1,125 21,845 SH   DFND   20,750 0 1,095
MORGAN STANLEY COM 617446448   5,250 61,755 SH   DFND   61,348 0 407
MULLEN AUTOMATIVE INC COM 62526P109   3 11,831 SH   SOLE   11,831 0 0
NATIONAL GRID PLC-SP ADR COM 636274409   236 3,910 SH   SOLE   3,910 0 0
NIKE INC - CL B COM 654106103   1,111 9,496 SH   DFND   9,278 0 218
NOVARTIS AG - ADR COM 66987V109   325 3,579 SH   SOLE   3,579 0 0
NVIDIA CORP COM 67066G104   2,519 17,239 SH   DFND   16,104 0 1,135
OAKTREE SPECIALTY LENDING CO COM 67401P108   457 66,500 SH   SOLE   66,500 0 0
OMNICOM GROUP COM 681919106   48,050 589,068 SH   DFND   571,503 0 17,565
ORACLE CORP COM 68389X105   3,627 44,376 SH   DFND   43,309 0 1,067
ORANGE - SPON ADR COM 684060106   218 22,105 SH   SOLE   22,105 0 0
ORIX - SP ADR COM 686330101   201 2,495 SH   SOLE   2,495 0 0
PNC FINANCIAL SERVICES GROUP COM 693475105   1,230 7,790 SH   SOLE   7,790 0 0
PARKER-HANNIFIN CORP COM 701094104   2,044 7,023 SH   DFND   6,698 0 325
PEMBINA PIPELINE CORP COM 706327103   752 22,142 SH   SOLE   22,142 0 0
PEPSICO INCORPORATED COM 713448108   4,622 25,581 SH   DFND   25,226 0 355
PFIZER INC COM 717081103   4,177 81,527 SH   DFND   79,372 0 2,155
PHILIP MORRIS INTL INC COM 718172109   31,811 314,307 SH   DFND   301,799 0 12,508
PHILLIPS 66 COM 718546104   51,919 498,834 SH   DFND   477,169 0 21,665
T ROWE PRICE GROUP INC COM 74144T108   1,517 13,907 SH   DFND   13,252 0 655
PROCTER AND GAMBLE COMPANY COM 742718109   1,866 12,315 SH   DFND   12,015 0 300
PRUDENTIAL FINANCIAL INC COM 744320102   231 2,320 SH   SOLE   2,320 0 0
PUBLIC STORAGE COM 74460D109   361 1,290 SH   SOLE   1,290 0 0
QUALCOMM INC COM 747525103   2,633 23,949 SH   SOLE   23,949 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101   1,148 11,377 SH   DFND   3,421 0 7,956
RESEARCH FRONTIERS INC COM 760911107   24 12,500 SH   SOLE   12,500 0 0
RESMED INC COM 761152107   395 1,900 SH   SOLE   1,900 0 0
RIO TINTO PLC - ADR COM 767204100   322 4,520 SH   SOLE   4,520 0 0
T ROWE PR ULT SH-TRM BND - INV COM 77957P303   247 50,502 SH   SOLE   50,502 0 0
SPDR S&P 500 ETF FUND 78462F103   10,781 28,190 SH   DFND   27,490 0 700
SPDR BBG BARC INT CORP BD ETF COM 78464A375   7,149 224,615 SH   SOLE   224,615 0 0
SALESFORCE.COM INC COM 79466L302   205 1,549 SH   SOLE   1,549 0 0
SANOFI-AVENTIS - ADR COM 80105N105   319 6,581 SH   SOLE   6,581 0 0
SCHNEIDER ELECTRIC SE ADR COM 80687P106   294 10,520 SH   SOLE   10,520 0 0
SCHWAB S&P 500 INDEX FUND FUND 808509855   506 8,619 SH   SOLE   8,619 0 0
CHARLES SCHWAB CORPORATION COM 808513105   459 5,518 SH   SOLE   5,518 0 0
SPDR S&P CONS STAPLES SEL ETF COM 81369Y308   531 7,119 SH   DFND   6,944 0 175
SPDR S&P ENERGY SELECT ETF COM 81369Y506   459 5,250 SH   DFND   650 0 4,600
SEMPRA COM 816851109   47,596 307,982 SH   DFND   298,056 0 9,926
SMARTCOOL SYSTEMS INC COM 83171N108   0 10,000 SH   SOLE   10,000 0 0
SOUTHERN COMPANY COM 842587107   244 3,412 SH   SOLE   3,412 0 0
STARBUCKS CORP COM 855244109   1,272 12,820 SH   SOLE   12,820 0 0
SUMITOMO MITSUI - SP ADR COM 86562M209   313 39,000 SH   SOLE   39,000 0 0
TAIWAN SEMICONDUCTOR - SP ADR COM 874039100   4,345 58,324 SH   DFND   57,669 0 655
TARGET CORP COM 87612E106   3,947 26,484 SH   DFND   25,801 0 683
TESLA INC. COM 88160R101   473 3,843 SH   SOLE   3,843 0 0
3M COMPANY COM 88579Y101   206 1,719 SH   SOLE   1,719 0 0
TRAVELERS COS INC COM 89417E109   32,833 175,118 SH   DFND   168,453 0 6,665
TRUIST FINANCIAL CORPORATION COM 89832Q109   365 8,481 SH   SOLE   8,481 0 0
TYSON FOODS INC - CL A COM 902494103   27,094 435,241 SH   DFND   416,196 0 19,045
ULTA SALON COSMETICS& FRAGR COM 90384S303   5,716 12,186 SH   DFND   11,596 0 590
UNION PACIFIC CORPORATION COM 907818108   1,453 7,017 SH   DFND   6,902 0 115
UNITED PARCEL SERVICE - CL B COM 911312106   43,116 248,019 SH   DFND   238,447 0 9,572
UNITEDHEALTH GROUP INC COM 91324P102   8,478 15,990 SH   DFND   15,271 0 719
VANGUARD HEALTH CARE FUND-INV FUND 921908307   214 1,004 SH   SOLE   1,004 0 0
VANGUARD HIGH DVD YIELD ETF FUND 921946406   238 2,200 SH   DFND   0 0 2,200
VANGUARD S/T CORP BOND ETF FUND 92206C409   1,871 24,890 SH   SOLE   24,890 0 0
VANGUARD 500 INDEX FUND-ADM FUND 922908710   376 1,062 SH   SOLE   1,062 0 0
VANGUARD GROWTH ETF FUND 922908736   235 1,103 SH   DFND   65 0 1,038
VANGUARD VALUE ETF FUND 922908744   252 1,793 SH   DFND   187 0 1,606
VERIZON COMMUNICATIONS COM 92343V104   2,182 55,392 SH   DFND   54,929 0 463
VISA INC - CL A COM 92826C839   6,569 31,619 SH   DFND   30,374 0 1,245
VODAFONE GROUP PLC COM 92857W308   300 29,649 SH   SOLE   29,649 0 0
VONTIER CORPORATION COM 928881101   534 27,616 SH   SOLE   27,616 0 0
VOYA INTERMEDIATE BOND - I COM 92913L684   217 25,095 SH   SOLE   25,095 0 0
WARNER BROS DISCOVERY INC COM 934423104   1,474 155,433 SH   DFND   146,811 0 8,622
WELLS FARGO& COMPANY COM 949746101   1,246 30,175 SH   DFND   29,060 0 1,115
ALLSPRING S/T MUNI BND - A COM 94984B751   160 16,871 SH   SOLE   16,871 0 0
WESTERN DIGITAL CORP COM 958102105   1,462 46,337 SH   DFND   44,337 0 2,000
WILLIAMS COS INC COM 969457100   601 18,270 SH   SOLE   18,270 0 0
CAPRI HOLDINGS LTD COM G1890L107   1,137 19,844 SH   DFND   19,384 0 460
EATON CORP PLC COM G29183103   7,964 50,743 SH   DFND   49,313 0 1,430
FERGUSON PLC COM G3421J106   3,450 27,170 SH   DFND   26,100 0 1,070
MEDTRONIC PLC COM G5960L103   25,571 329,020 SH   DFND   317,366 0 11,654
APTIV PLC COM G6095L109   2,989 32,099 SH   DFND   30,399 0 1,700
RENAISSANCERE HOLDINGS LTD COM G7496G103   1,639 8,895 SH   DFND   8,435 0 460
NXP SEMICONDUCTORS NV COM N6596X109   1,579 9,991 SH   DFND   9,770 0 221