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
EATON CORP PLC COMMON STOCK G29183103   572,866 3,650 SH   SOLE   3,650 0 0
EATON CORP PLC COMMON STOCK G29183103   12,556 80 SH   DFND   80 0 0
JOHNSON CONTROLS INTERNATIONAL PLC COMMON STOCK G51502105   220,544 3,446 SH   SOLE   3,446 0 0
JOHNSON CONTROLS INTERNATIONAL PLC COMMON STOCK G51502105   36,224 566 SH   DFND   566 0 0
MEDTRONIC PLC FOREIGN EQUITIES G5960L103   664,176 8,546 SH   SOLE   8,546 0 0
MEDTRONIC PLC FOREIGN EQUITIES G5960L103   214,193 2,756 SH   DFND   2,756 0 0
TE CONNECTIVITY LTD COMMON STOCK H84989104   792,798 6,906 SH   SOLE   6,906 0 0
TE CONNECTIVITY LTD COMMON STOCK H84989104   286,426 2,495 SH   DFND   2,495 0 0
A T & T INC COMMON STOCK 00206R102   848,670 46,124 SH   SOLE   46,124 0 0
A T & T INC COMMON STOCK 00206R102   152,940 8,312 SH   DFND   8,312 0 0
ABBOTT LABS COM COMMON STOCK 002824100   1,323,074 12,051 SH   SOLE   12,051 0 0
ABBOTT LABS COM COMMON STOCK 002824100   87,722 799 SH   DFND   799 0 0
ABBVIE INC COMMON STOCK 00287Y109   2,476,012 15,321 SH   SOLE   15,321 0 0
ABBVIE INC COMMON STOCK 00287Y109   129,124 799 SH   DFND   799 0 0
AGILENT TECHNOLOGIES INC COMMON STOCK 00846U101   197,233 1,318 SH   SOLE   1,318 0 0
AGILENT TECHNOLOGIES INC COMMON STOCK 00846U101   11,373 76 SH   DFND   76 0 0
ALPHABET INC - CLASS C COMMON STOCK 02079K107   1,188,979 13,400 SH   SOLE   13,400 0 0
ALPHABET INC - CLASS A COMMON STOCK 02079K305   1,514,022 17,160 SH   SOLE   17,160 0 0
ALPHABET INC - CLASS A COMMON STOCK 02079K305   187,047 2,120 SH   DFND   280 0 1,840
ALTRIA GROUP INC COM COMMON STOCK 02209S103   620,829 13,585 SH   SOLE   13,585 0 0
ALTRIA GROUP INC COM COMMON STOCK 02209S103   186,913 4,090 SH   DFND   2,990 0 1,100
AMAZON COM INC. COMMON STOCK 023135106   387,240 4,610 SH   SOLE   4,610 0 0
AMAZON COM INC. COMMON STOCK 023135106   33,600 400 SH   DFND   180 0 220
AMERICAN ELEC PWR INC COM COMMON STOCK 025537101   209,078 2,202 SH   SOLE   2,202 0 0
AMERICAN ELEC PWR INC COM COMMON STOCK 025537101   28,485 300 SH   DFND   300 0 0
AMETEK INC NEW COM COMMON STOCK 031100100   325,547 2,330 SH   DFND   2,330 0 0
AMGEN INC COM COMMON STOCK 031162100   386,848 1,473 SH   SOLE   1,473 0 0
AMGEN INC COM COMMON STOCK 031162100   93,758 357 SH   DFND   357 0 0
APPLE INC COMMON STOCK 037833100   15,990,172 123,068 SH   SOLE   123,068 0 0
APPLE INC COMMON STOCK 037833100   5,351,163 41,185 SH   DFND   38,983 0 2,202
AUTOMATIC DATA PROCESSING INCOM COMMON STOCK 053015103   597,150 2,500 SH   SOLE   2,500 0 0
AUTOMATIC DATA PROCESSING INCOM COMMON STOCK 053015103   334,404 1,400 SH   DFND   1,400 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104   900,509 27,198 SH   SOLE   27,198 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104   460,493 13,908 SH   DFND   13,908 0 0
BANK NEW YORK MELLON CORP COMMON STOCK 064058100   258,687 5,683 SH   SOLE   5,683 0 0
BANK NEW YORK MELLON CORP COMMON STOCK 064058100   86,488 1,900 SH   DFND   1,900 0 0
BAXTER INTL INC COM COMMON STOCK 071813109   1,338,248 26,256 SH   SOLE   26,256 0 0
BAXTER INTL INC COM COMMON STOCK 071813109   114,324 2,243 SH   DFND   2,243 0 0
BERKSHIRE HATHAWAY INC. DELWARE CL COMMON STOCK 084670108   937,420 2 SH   SOLE   2 0 0
BERKSHIRE HATHAWAY INC DEL COMMON STOCK 084670702   798,476 2,585 SH   SOLE   2,585 0 0
BLACKROCK SBI MUTUAL FUNDS - FIXED INCOME 09249E101   887,580 85,511 SH   SOLE   85,511 0 0
BLACKROCK SBI MUTUAL FUNDS - FIXED INCOME 09249E101   51,951 5,005 SH   DFND   5,005 0 0
BOEING CO COM COMMON STOCK 097023105   193,342 1,015 SH   SOLE   1,015 0 0
BOEING CO COM COMMON STOCK 097023105   28,573 150 SH   DFND   150 0 0
BRISTOL MYERS SQUIBB CO COM COMMON STOCK 110122108   2,027,172 28,175 SH   SOLE   28,175 0 0
BRISTOL MYERS SQUIBB CO COM COMMON STOCK 110122108   237,435 3,300 SH   DFND   3,300 0 0
CIGNA CORP NEW COMMON STOCK 125523100   577,488 1,743 SH   SOLE   1,743 0 0
CIGNA CORP NEW COMMON STOCK 125523100   2,981 9 SH   DFND   9 0 0
CVS HEALTH CORPORATION COMMON STOCK 126650100   465,947 5,000 SH   SOLE   5,000 0 0
CVS HEALTH CORPORATION COMMON STOCK 126650100   441,254 4,735 SH   DFND   4,735 0 0
CATERPILLAR INC COM COMMON STOCK 149123101   777,366 3,245 SH   SOLE   3,245 0 0
CATERPILLAR INC COM COMMON STOCK 149123101   1,516,893 6,332 SH   DFND   5,272 0 1,060
CHEVRON CORPORATION COMMON STOCK 166764100   4,404,288 24,538 SH   SOLE   24,538 0 0
CHEVRON CORPORATION COMMON STOCK 166764100   921,676 5,135 SH   DFND   5,135 0 0
CISCO SYS INC COM COMMON STOCK 17275R102   407,850 8,563 SH   SOLE   8,563 0 0
COCA COLA CO COM COMMON STOCK 191216100   729,347 11,466 SH   SOLE   11,466 0 0
COCA COLA CO COM COMMON STOCK 191216100   73,405 1,154 SH   DFND   1,154 0 0
COLGATE PALMOLIVE CO COM COMMON STOCK 194162103   372,596 4,729 SH   SOLE   4,729 0 0
COMCAST CORP CLASS A COMMON STOCK 20030N101   584,268 16,708 SH   SOLE   16,708 0 0
CONOCOPHILLIPS COM COMMON STOCK 20825C104   1,828,410 15,495 SH   SOLE   15,495 0 0
CONOCOPHILLIPS COM COMMON STOCK 20825C104   44,840 380 SH   DFND   380 0 0
CONSTELLATION BRANDS INC COMMON STOCK 21036P108   211,584 913 SH   SOLE   913 0 0
CONSTELLATION ENERGY CORP NPV COMMON STOCK 21037T109   256,984 2,981 SH   SOLE   2,981 0 0
CORNING INC COM COMMON STOCK 219350105   1,468,067 45,978 SH   SOLE   45,978 0 0
CORNING INC COM COMMON STOCK 219350105   292,159 9,150 SH   DFND   9,150 0 0
CORTEVA INC COMMON STOCK 22052L104   694,740 11,822 SH   SOLE   11,822 0 0
CORTEVA INC COMMON STOCK 22052L104   47,427 807 SH   DFND   807 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105   218,206 478 SH   SOLE   478 0 0
DEERE & CO COM COMMON STOCK 244199105   769,622 1,795 SH   SOLE   1,795 0 0
DEERE & CO COM COMMON STOCK 244199105   34,300 80 SH   DFND   80 0 0
DISNEY (WALT) COMPANY HOLDING CO COMMON STOCK 254687106   1,316,996 15,159 SH   SOLE   15,159 0 0
DISNEY (WALT) COMPANY HOLDING CO COMMON STOCK 254687106   72,977 840 SH   DFND   840 0 0
DOMINION ENERGY INC NPV COMMON STOCK 25746U109   397,347 6,481 SH   SOLE   6,481 0 0
DOMINION ENERGY INC NPV COMMON STOCK 25746U109   12,262 200 SH   DFND   200 0 0
DOW INC COMMON STOCK 260557103   594,946 11,810 SH   SOLE   11,810 0 0
DOW INC COMMON STOCK 260557103   40,655 807 SH   DFND   807 0 0
DUKE ENERGY CORP NEW COMMON STOCK 26441C204   800,525 7,773 SH   SOLE   7,773 0 0
DUKE ENERGY CORP NEW COMMON STOCK 26441C204   117,304 1,139 SH   DFND   1,139 0 0
DUPONT DE NEMOURS INC. COMMON STOCK 26614N102   856,943 12,487 SH   SOLE   12,487 0 0
DUPONT DE NEMOURS INC. COMMON STOCK 26614N102   59,020 860 SH   DFND   860 0 0
EMERSON ELEC CO COM COMMON STOCK 291011104   1,537,436 16,005 SH   SOLE   16,005 0 0
EMERSON ELEC CO COM COMMON STOCK 291011104   426,026 4,435 SH   DFND   3,435 0 1,000
ESSENTIAL UTILITIES INC COMMON STOCK 29670G102   5,247,458 109,964 SH   SOLE   109,964 0 0
ESSENTIAL UTILITIES INC COMMON STOCK 29670G102   892,981 18,713 SH   DFND   18,713 0 0
EXELON CORP COMMON STOCK 30161N101   409,934 9,485 SH   SOLE   9,485 0 0
EXXON MOBIL CORP COM COMMON STOCK 30231G102   5,146,574 46,660 SH   SOLE   46,660 0 0
EXXON MOBIL CORP COM COMMON STOCK 30231G102   1,124,947 10,199 SH   DFND   9,199 0 1,000
FISERV INC COM COMMON STOCK 337738108   432,579 4,280 SH   SOLE   4,280 0 0
GENERAL ELECTRIC CO. COMMON STOCK 369604301   927,338 11,068 SH   SOLE   11,068 0 0
GENERAL ELECTRIC CO. COMMON STOCK 369604301   111,015 1,325 SH   DFND   1,325 0 0
GENERAL MLS INC COM COMMON STOCK 370334104   170,968 2,039 SH   SOLE   2,039 0 0
GENERAL MLS INC COM COMMON STOCK 370334104   253,227 3,020 SH   DFND   3,020 0 0
GENUINE PARTS CO COMMON COMMON STOCK 372460105   260,265 1,500 SH   DFND   1,500 0 0
H P INC COMMON STOCK 40434L105   491,668 18,305 SH   SOLE   18,305 0 0
H P INC COMMON STOCK 40434L105   94,010 3,500 SH   DFND   3,500 0 0
THE HERSHEY COMPANY COM COMMON STOCK 427866108   360,553 1,557 SH   SOLE   1,557 0 0
HEWLETT PACKARD ENTERPRISE CO COMMON STOCK 42824C109   292,128 18,304 SH   SOLE   18,304 0 0
HEWLETT PACKARD ENTERPRISE CO COMMON STOCK 42824C109   55,860 3,500 SH   DFND   3,500 0 0
HOME DEPOT INC COM COMMON STOCK 437076102   9,018,745 28,554 SH   SOLE   28,554 0 0
HOME DEPOT INC COM COMMON STOCK 437076102   794,677 2,516 SH   DFND   2,516 0 0
HONEYWELL INTL INC COM COMMON STOCK 438516106   4,727,442 22,060 SH   SOLE   22,060 0 0
HONEYWELL INTL INC COM COMMON STOCK 438516106   1,089,071 5,082 SH   DFND   4,254 0 828
ILLINOIS TOOL WKS INC COM COMMON STOCK 452308109   470,120 2,134 SH   SOLE   2,134 0 0
INTEL CORP COM COMMON STOCK 458140100   991,323 37,508 SH   SOLE   37,508 0 0
INTEL CORP COM COMMON STOCK 458140100   90,257 3,415 SH   DFND   3,415 0 0
INTERNATIONAL BUSINESS MACHSCOM COMMON STOCK 459200101   770,094 5,466 SH   SOLE   5,466 0 0
INTERNATIONAL BUSINESS MACHSCOM COMMON STOCK 459200101   189,214 1,343 SH   DFND   1,330 0 13
INVESCO WATER RESOURCES ETF ETF - EQUITY SMALL CAP 46137V142   7,365,906 142,917 SH   SOLE   142,917 0 0
INVESCO WATER RESOURCES ETF ETF - EQUITY SMALL CAP 46137V142   598,945 11,621 SH   DFND   9,121 0 2,500
INVESCO PREFERRED ETF ETF - FIXED INCOME 46138E511   7,574,208 677,487 SH   SOLE   677,487 0 0
INVESCO PREFERRED ETF ETF - FIXED INCOME 46138E511   405,250 36,248 SH   DFND   27,748 0 8,500
I SHARES CORE S & P TOTAL U S STOCK MARKET ETF - EQUITY LARGE CAP 464287150   1,829,136 21,570 SH   SOLE   21,570 0 0
I SHARES SELECT DIVIDEND ETF ETF - EQUITY LARGE CAP 464287168   22,420,007 185,904 SH   SOLE   185,904 0 0
I SHARES SELECT DIVIDEND ETF ETF - EQUITY LARGE CAP 464287168   1,814,064 15,042 SH   DFND   14,042 0 1,000
I SHRS TIPS BOND ETF ETF - FIXED INCOME 464287176   10,014,308 94,085 SH   SOLE   94,085 0 0
I SHRS TIPS BOND ETF ETF - FIXED INCOME 464287176   588,717 5,531 SH   DFND   3,731 0 1,800
I SHARES CORE S & P 500 ETF ETF - EQUITY LARGE CAP 464287200   243,581 634 SH   SOLE   634 0 0
ISHARES S & P GROWTH ETF ETF - EQUITY LARGE CAP 464287309   1,184,566 20,249 SH   SOLE   20,249 0 0
ISHARES S & P GROWTH ETF ETF - EQUITY LARGE CAP 464287309   2,632 45 SH   DFND   45 0 0
I SHARES S & P 500 VALUE ETF ETF - EQUITY LARGE CAP 464287408   499,765 3,445 SH   SOLE   3,445 0 0
I SHARES MSCI EAFE ETF ETF - FOREIGN EQUITY 464287465   369,292 5,627 SH   SOLE   5,627 0 0
I SHARES RUSSELL MID-CAP ETF ETF - EQUITY MID CAP 464287499   412,387 6,114 SH   SOLE   6,114 0 0
I SHARES S & P MIDCAP 400 GROWTH ETF ETF - EQUITY MID CAP 464287606   265,647 3,890 SH   SOLE   3,890 0 0
I SHARES S & P MID CAP 400 VALUE ETF ETF - EQUITY MID CAP 464287705   266,616 2,645 SH   SOLE   2,645 0 0
I SHARES CORE S & P SMALL CAP ETF ETF - EQUITY SMALL CAP 464287804   486,444 5,140 SH   SOLE   5,140 0 0
I SHRS MOMENTUM ETF - EQUITY LARGE CAP 46432F396   735,457 5,040 SH   SOLE   5,040 0 0
I SHARES MSCI EAFE CORE ETF - FOREIGN EQUITY 46432F842   16,655,148 270,248 SH   SOLE   270,248 0 0
I SHARES MSCI EAFE CORE ETF - FOREIGN EQUITY 46432F842   1,223,097 19,846 SH   DFND   17,706 0 2,140
J P MORGAN CHASE & CO COMMON STOCK 46625H100   1,141,858 8,515 SH   SOLE   8,515 0 0
J P MORGAN CHASE & CO COMMON STOCK 46625H100   8,716 65 SH   DFND   65 0 0
JOHNSON & JOHNSON COM COMMON STOCK 478160104   6,702,760 37,944 SH   SOLE   37,944 0 0
JOHNSON & JOHNSON COM COMMON STOCK 478160104   1,490,570 8,438 SH   DFND   7,588 0 850
KIMBERLY-CLARK CORP COM COMMON STOCK 494368103   3,137,835 23,115 SH   SOLE   23,115 0 0
KIMBERLY-CLARK CORP COM COMMON STOCK 494368103   392,317 2,890 SH   DFND   2,890 0 0
L3HARRIS TECHNOLOGIES INC COMMON STOCK 502431109   304,817 1,464 SH   SOLE   1,464 0 0
ELI LILLY & CO COM COMMON STOCK 532457108   1,155,653 3,159 SH   SOLE   3,159 0 0
ELI LILLY & CO COM COMMON STOCK 532457108   292,664 800 SH   DFND   0 0 800
LOCKHEED MARTIN CORP COM COMMON STOCK 539830109   1,358,732 2,793 SH   SOLE   2,793 0 0
LOCKHEED MARTIN CORP COM COMMON STOCK 539830109   109,458 225 SH   DFND   225 0 0
LOWES COS INC COM COMMON STOCK 548661107   307,227 1,542 SH   SOLE   1,542 0 0
MANULIFE FINANCIAL FOREIGN EQUITIES 56501R106   183,859 10,306 SH   SOLE   10,306 0 0
MANULIFE FINANCIAL FOREIGN EQUITIES 56501R106   10,454 586 SH   DFND   586 0 0
MCDONALDS CORP COM COMMON STOCK 580135101   3,062,867 11,623 SH   SOLE   11,623 0 0
MCDONALDS CORP COM COMMON STOCK 580135101   490,145 1,860 SH   DFND   1,050 0 810
MCKESSON CORP USD COMMON STOCK 58155Q103   286,207 763 SH   SOLE   763 0 0
MERCK & CO INC NEW COMMON STOCK 58933Y105   3,922,175 35,351 SH   SOLE   35,351 0 0
MERCK & CO INC NEW COMMON STOCK 58933Y105   514,806 4,640 SH   DFND   4,640 0 0
MICROSOFT CORP COM COMMON STOCK 594918104   10,017,956 41,773 SH   SOLE   41,773 0 0
MICROSOFT CORP COM COMMON STOCK 594918104   1,871,552 7,804 SH   DFND   7,054 0 750
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105   569,715 8,548 SH   SOLE   8,548 0 0
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105   124,034 1,861 SH   DFND   1,861 0 0
NEXTERA ENERGY INC COM COMMON STOCK 65339F101   2,340,298 27,994 SH   SOLE   27,994 0 0
NEXTERA ENERGY INC COM COMMON STOCK 65339F101   364,496 4,360 SH   DFND   4,360 0 0
NUVEEN SELECT TAX-FREE INCOME PORTFOLIO MUTUAL FUNDS-NON TAX 67062F100   127,972 9,200 SH   SOLE   9,200 0 0
NUVEEN SELECT TAX-FREE INCOME PORTFOLIO MUTUAL FUNDS-NON TAX 67062F100   199,608 14,350 SH   DFND   14,350 0 0
NVIDIA CORPORATION COMMON STOCK 67066G104   799,967 5,474 SH   SOLE   5,474 0 0
NUVEEN CREDIT STRATEGIES INCOME FUND PREFERRED STOCK 67073D102   648,220 127,353 SH   SOLE   127,353 0 0
NUVEEN CREDIT STRATEGIES INCOME FUND PREFERRED STOCK 67073D102   54,055 10,620 SH   DFND   10,620 0 0
ORACLE CORP COM COMMON STOCK 68389X105   143,045 1,750 SH   SOLE   1,750 0 0
ORACLE CORP COM COMMON STOCK 68389X105   408,700 5,000 SH   DFND   5,000 0 0
PNC FINL SVCS GROUP INC COM COMMON STOCK 693475105   1,508,479 9,551 SH   SOLE   9,551 0 0
PNC FINL SVCS GROUP INC COM COMMON STOCK 693475105   244,807 1,550 SH   DFND   1,550 0 0
PPG INDS INC COM COMMON STOCK 693506107   313,719 2,495 SH   SOLE   2,495 0 0
PPL CORP COMMON COMMON STOCK 69351T106   489,351 16,753 SH   SOLE   16,753 0 0
PPL CORP COMMON COMMON STOCK 69351T106   85,585 2,930 SH   DFND   2,930 0 0
PEPSICO INC COM COMMON STOCK 713448108   8,041,302 44,511 SH   SOLE   44,511 0 0
PEPSICO INC COM COMMON STOCK 713448108   776,655 4,299 SH   DFND   3,499 0 800
PFIZER INC COM COMMON STOCK 717081103   3,039,478 59,319 SH   SOLE   59,319 0 0
PFIZER INC COM COMMON STOCK 717081103   467,102 9,116 SH   DFND   9,116 0 0
PHILLIP MORRIS INTERNATIONALINC COMMON STOCK 718172109   1,127,471 11,140 SH   SOLE   11,140 0 0
PHILLIP MORRIS INTERNATIONALINC COMMON STOCK 718172109   362,229 3,579 SH   DFND   2,929 0 650
PHILLIPS 66 COMMON STOCK 718546104   889,661 8,548 SH   SOLE   8,548 0 0
PHILLIPS 66 COMMON STOCK 718546104   24,979 240 SH   DFND   240 0 0
PROCTER AND GAMBLE CO COM COMMON STOCK 742718109   5,050,713 33,325 SH   SOLE   33,325 0 0
PROCTER AND GAMBLE CO COM COMMON STOCK 742718109   1,243,549 8,205 SH   DFND   7,205 0 1,000
PROSHARES ULTRA S & P 500 EFT ETF - EQUITY LARGE CAP 74347R107   358,267 8,060 SH   SOLE   8,060 0 0
PUBLIC SVC ENTERPRISE GRP INCOM COMMON STOCK 744573106   235,519 3,844 SH   SOLE   3,844 0 0
PUBLIC SVC ENTERPRISE GRP INCOM COMMON STOCK 744573106   57,348 936 SH   DFND   936 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101   355,537 3,523 SH   SOLE   3,523 0 0
SCHLUMBERGER LTD COM STK COMMON STOCK 806857108   394,831 7,387 SH   SOLE   7,387 0 0
SCHLUMBERGER LTD COM STK COMMON STOCK 806857108   9,353 175 SH   DFND   175 0 0
SOUTHERN CO COM COMMON STOCK 842587107   249,755 3,498 SH   SOLE   3,498 0 0
SOUTHERN CO COM COMMON STOCK 842587107   137,445 1,925 SH   DFND   1,925 0 0
TARGET CORP COMMON STOCK 87612E106   4,177,713 28,031 SH   SOLE   28,031 0 0
TARGET CORP COMMON STOCK 87612E106   199,117 1,336 SH   DFND   1,336 0 0
3M CO COMMON COMMON STOCK 88579Y101   2,027,944 16,911 SH   SOLE   16,911 0 0
3M CO COMMON COMMON STOCK 88579Y101   262,023 2,185 SH   DFND   2,185 0 0
VANECK VEC AGRIBUSINESS ETF ETF - EQUITY LARGE CAP 92189F700   1,993,531 23,224 SH   SOLE   23,224 0 0
VANECK VEC AGRIBUSINESS ETF ETF - EQUITY LARGE CAP 92189F700   94,853 1,105 SH   DFND   1,105 0 0
VANGUARD INTERMEDIATE TERM BOND INDEX ETF ETF - FIXED INCOME 921937819   26,413,503 355,453 SH   SOLE   355,453 0 0
VANGUARD INTERMEDIATE TERM BOND INDEX ETF ETF - FIXED INCOME 921937819   1,405,566 18,915 SH   DFND   15,415 0 3,500
VANGUARD FTSE DEVELOPED MARKET ETF ETF - FOREIGN EQUITY 921943858   1,251,542 29,820 SH   SOLE   29,820 0 0
VANGUARD FTSE DEVELOPED MARKET ETF ETF - FOREIGN EQUITY 921943858   14,689 350 SH   DFND   350 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF - FOREIGN EQUITY 922042858   832,127 21,354 SH   SOLE   21,354 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF - FOREIGN EQUITY 922042858   16,522 424 SH   DFND   424 0 0
VANGUARD SHORT TERM CORP BD ETF #3145 ETF - FIXED INCOME 92206C409   47,959,922 637,853 SH   SOLE   637,853 0 0
VANGUARD SHORT TERM CORP BD ETF #3145 ETF - FIXED INCOME 92206C409   4,406,951 58,611 SH   DFND   44,129 0 14,482
VANGUARD REIT INDEX #0986 ETF - EQUITY LARGE CAP 922908553   1,922,923 23,317 SH   SOLE   23,317 0 0
VANGUARD REIT INDEX #0986 ETF - EQUITY LARGE CAP 922908553   151,991 1,843 SH   DFND   1,843 0 0
VANGUARD TOTAL STOCK MARKET ETF ETF - EQUITY LARGE CAP 922908769   93,195,131 487,449 SH   SOLE   487,449 0 0
VANGUARD TOTAL STOCK MARKET ETF ETF - EQUITY LARGE CAP 922908769   3,043,542 15,919 SH   DFND   15,461 0 458
VERIZON COMMUNICATIONS INC COMMON STOCK 92343V104   3,037,498 77,115 SH   SOLE   77,115 0 0
VERIZON COMMUNICATIONS INC COMMON STOCK 92343V104   201,043 5,104 SH   DFND   5,104 0 0
VISA INC. COMMON STOCK 92826C839   217,314 1,046 SH   SOLE   1,046 0 0
WALMART INC COM COMMON STOCK 931142103   1,377,333 9,714 SH   SOLE   9,714 0 0
WALMART INC COM COMMON STOCK 931142103   70,894 500 SH   DFND   500 0 0
WELLS FARGO & CO NEW COMMON STOCK 949746101   266,768 6,461 SH   SOLE   6,461 0 0
WELLS FARGO & CO NEW COMMON STOCK 949746101   71,637 1,735 SH   DFND   1,735 0 0
XCEL ENERGY INC COM COMMON STOCK 98389B100   679,782 9,696 SH   SOLE   9,696 0 0
XCEL ENERGY INC COM COMMON STOCK 98389B100   27,763 396 SH   DFND   396 0 0
YUM BRANDS INC COMMON STOCK 988498101   1,088,921 8,502 SH   SOLE   8,502 0 0
YUM BRANDS INC COMMON STOCK 988498101   201,341 1,572 SH   DFND   572 0 1,000
YUM CHINA HOLDINGS INC COMMON STOCK 98850P109   509,279 9,319 SH   SOLE   9,319 0 0
YUM CHINA HOLDINGS INC COMMON STOCK 98850P109   85,909 1,572 SH   DFND   572 0 1,000
ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102   356,101 2,793 SH   SOLE   2,793 0 0
ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102   68,722 539 SH   DFND   539 0 0