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
AT&T INC Com 00206R102   4,840,088 220,004 SH   SOLE 0 216,459 0 3,545
AT&T INC Com 00206R102   277,002 12,591 SH   DFND 0 12,591 0 0
ABBOTT LABORATORIES Com 002824100   2,081,025 18,253 SH   SOLE 0 18,253 0 0
ABBOTT LABORATORIES Com 002824100   94,172 826 SH   DFND 0 826 0 0
ABBVIE INC Com 00287Y109   3,947,033 19,987 SH   SOLE 0 19,987 0 0
ABBVIE INC Com 00287Y109   126,190 639 SH   DFND 0 639 0 0
ADOBE INC Com 00724F101   7,662,108 14,798 SH   SOLE 0 14,517 0 281
ADVANCED MICRO DEVICES Com 007903107   274,178 1,671 SH   SOLE 0 1,671 0 0
AIR PRODUCTS & CHEMICALS INC Com 009158106   348,951 1,172 SH   SOLE 0 1,172 0 0
ALPHABET INC CL C Com 02079K107   7,039,702 42,106 SH   SOLE 0 41,906 0 200
ALPHABET INC CL C Com 02079K107   157,159 940 SH   DFND 0 940 0 0
ALPHABET INC CL A Com 02079K305   17,941,819 108,181 SH   SOLE 0 107,041 0 1,140
ALPHABET INC CL A Com 02079K305   155,899 940 SH   DFND 0 940 0 0
AMAZON COM INC Com 023135106   18,155,250 97,436 SH   SOLE 0 96,625 0 811
AMAZON COM INC Com 023135106   104,345 560 SH   DFND 0 560 0 0
AMEREN CORP Com 023608102   420,420 4,807 SH   SOLE 0 4,807 0 0
AMERICAN EXPRESS CO Com 025816109   1,521,432 5,610 SH   SOLE 0 5,610 0 0
AMERICAN TOWER CORP Com 03027X100   1,316,755 5,662 SH   SOLE 0 5,662 0 0
CENCORA INC Com 03073E105   1,072,281 4,764 SH   SOLE 0 4,764 0 0
AMERIPRISE FINANCIAL INC Com 03076C106   344,371 733 SH   SOLE 0 733 0 0
AMGEN INC Com 031162100   8,989,981 27,901 SH   SOLE 0 27,801 0 100
AMGEN INC Com 031162100   946,653 2,938 SH   DFND 0 2,938 0 0
ANALOG DEVICES INC Com 032654105   637,111 2,768 SH   SOLE 0 2,768 0 0
APPLE INC Com 037833100   61,735,214 264,958 SH   SOLE 0 262,615 0 2,343
APPLE INC Com 037833100   803,384 3,448 SH   DFND 0 3,448 0 0
APPLIED MATERIALS INC Com 038222105   1,316,154 6,514 SH   SOLE 0 6,514 0 0
ATLANTIC UNION BANKSHARES CORP Com 04911A107   508,319 13,494 SH   SOLE 0 13,494 0 0
ATMOS ENERGY CORP Com 049560105   250,788 1,808 SH   SOLE 0 1,808 0 0
AUTOMATIC DATA PROCESSING INC Com 053015103   2,483,928 8,976 SH   SOLE 0 8,976 0 0
AUTOMATIC DATA PROCESSING INC Com 053015103   231,900 838 SH   DFND 0 838 0 0
AUTOZONE INC Com 053332102   330,754 105 SH   SOLE 0 105 0 0
BALL CORP Com 058498106   306,682 4,516 SH   SOLE 0 4,516 0 0
BANK OF AMERICA CORP Com 060505104   412,593 10,398 SH   SOLE 0 10,398 0 0
BANK OF AMERICA CORP Com 060505104   59,520 1,500 SH   DFND 0 1,500 0 0
BANK OF NEW YORK MELLON CORP Com 064058100   332,640 4,629 SH   SOLE 0 4,629 0 0
BERKSHIRE HATHAWAY INC A Com 084670108   691,180 1 SH   SOLE 0 1 0 0
BERKSHIRE HATHAWAY INC B Com 084670702   15,238,748 33,109 SH   SOLE 0 32,787 0 322
BERKSHIRE HATHAWAY INC B Com 084670702   93,893 204 SH   DFND 0 204 0 0
BLACKROCK INC Com 09247X101   1,052,057 1,108 SH   SOLE 0 1,099 0 9
BOOKING HOLDINGS INC Com 09857L108   265,364 63 SH   SOLE 0 63 0 0
BRISTOL MYERS SQUIBB CO Com 110122108   1,055,651 20,403 SH   SOLE 0 20,220 0 183
BRISTOL MYERS SQUIBB CO Com 110122108   249,128 4,815 SH   DFND 0 4,815 0 0
BROADRIDGE FINL SOLUTIONS INC Com 11133T103   208,149 968 SH   SOLE 0 968 0 0
BROADCOM INC Com 11135F101   32,146,410 186,356 SH   SOLE 0 183,896 0 2,460
BROADCOM INC Com 11135F101   400,200 2,320 SH   DFND 0 2,320 0 0
CSX CORP Com 126408103   627,617 18,176 SH   SOLE 0 18,176 0 0
CVS HEALTH CORPORATION Com 126650100   2,476,780 39,389 SH   SOLE 0 39,389 0 0
CVS HEALTH CORPORATION Com 126650100   62,880 1,000 SH   DFND 0 1,000 0 0
CARRIER GLOBAL CORP Com 14448C104   873,719 10,855 SH   SOLE 0 10,855 0 0
CARRIER GLOBAL CORP Com 14448C104   24,147 300 SH   DFND 0 300 0 0
CATERPILLAR INC Com 149123101   5,161,611 13,197 SH   SOLE 0 13,116 0 81
CATERPILLAR INC Com 149123101   33,636 86 SH   DFND 0 86 0 0
CENTENE CORP Com 15135B101   323,930 4,303 SH   SOLE 0 4,163 0 140
CHEVRON CORPORATION Com 166764100   1,275,947 8,664 SH   SOLE 0 8,664 0 0
CHEVRON CORPORATION Com 166764100   339,752 2,307 SH   DFND 0 2,307 0 0
CISCO SYSTEMS INC Com 17275R102   12,972,162 243,746 SH   SOLE 0 241,803 0 1,943
CISCO SYSTEMS INC Com 17275R102   205,110 3,854 SH   DFND 0 3,854 0 0
COCA COLA CO Com 191216100   1,330,129 18,510 SH   SOLE 0 18,510 0 0
COCA COLA CO Com 191216100   44,625 621 SH   DFND 0 621 0 0
COLGATE PALMOLIVE INC Com 194162103   299,180 2,882 SH   SOLE 0 2,882 0 0
COMCAST CORP Com 20030N101   6,230,747 149,168 SH   SOLE 0 149,168 0 0
COMCAST CORP Com 20030N101   9,022 216 SH   DFND 0 216 0 0
COMERICA INC Com 200340107   868,695 14,500 SH   SOLE 0 14,500 0 0
CONSOLIDATED EDISON INC Com 209115104   687,779 6,605 SH   SOLE 0 6,605 0 0
COSTCO WHOLESALE CORP Com 22160K105   2,055,840 2,319 SH   SOLE 0 2,319 0 0
COUPANG INC Com 22266T109   739,176 30,109 SH   SOLE 0 30,109 0 0
DANAHER CORP Com 235851102   1,749,580 6,293 SH   SOLE 0 6,293 0 0
DANAHER CORP Com 235851102   12,789 46 SH   DFND 0 46 0 0
DEERE & COMPANY Com 244199105   502,883 1,205 SH   SOLE 0 1,205 0 0
DEERE & COMPANY Com 244199105   10,851 26 SH   DFND 0 26 0 0
DIMENSIONAL EMERG CORE EQ MKT ETF Com 25434V302   21,840,096 796,793 SH   SOLE 0 794,236 0 2,557
WALT DISNEY CO Com 254687106   596,378 6,200 SH   SOLE 0 6,200 0 0
WALT DISNEY CO Com 254687106   9,619 100 SH   DFND 0 100 0 0
EOG RESOURCES INC Com 26875P101   1,732,207 14,091 SH   SOLE 0 14,091 0 0
EOG RESOURCES INC Com 26875P101   28,766 234 SH   DFND 0 234 0 0
EASTERN BANKSHARES INC Com 27627N105   186,813 11,398 SH   SOLE 0 11,398 0 0
ECOLAB INC Com 278865100   284,438 1,114 SH   SOLE 0 1,114 0 0
EDWARDS LIFESCIENCES CORP Com 28176E108   1,176,008 17,821 SH   SOLE 0 17,821 0 0
EDWARDS LIFESCIENCES CORP Com 28176E108   3,300 50 SH   DFND 0 50 0 0
EMERSON ELECTRIC CO Com 291011104   5,204,153 47,583 SH   SOLE 0 47,109 0 474
EMERSON ELECTRIC CO Com 291011104   107,292 981 SH   DFND 0 981 0 0
EVERGY INC Com 30034W106   4,126,952 66,553 SH   SOLE 0 66,553 0 0
EXELON CORP Com 30161N101   257,411 6,348 SH   SOLE 0 6,348 0 0
EXXON MOBIL CORP Com 30231G102   4,714,002 40,215 SH   SOLE 0 40,215 0 0
EXXON MOBIL CORP Com 30231G102   90,846 775 SH   DFND 0 775 0 0
META PLATFORMS INC Com 30303M102   740,737 1,294 SH   SOLE 0 1,294 0 0
META PLATFORMS INC Com 30303M102   51,520 90 SH   DFND 0 90 0 0
FEDERATED HERMES INC Com 314211103   210,398 5,722 SH   SOLE 0 5,722 0 0
FIRST TRUST GLOBAL WIND ENERGY ETF Com 33736G106   1,150,823 63,778 SH   SOLE 0 63,385 0 393
FIRST TRUST GLOBAL WIND ENERGY ETF Com 33736G106   21,653 1,200 SH   DFND 0 1,200 0 0
FLEXSHARES QUALITY DIV DEFENSIVE ETF Com 33939L845   470,177 6,575 SH   SOLE 0 6,575 0 0
FLEXSHARES QUALITY DVD ETF Com 33939L860   12,128,958 169,139 SH   SOLE 0 167,639 0 1,500
GENERAL DYNAMICS CORP Com 369550108   48,956 162 SH   SOLE 0 162 0 0
GENERAL DYNAMICS CORP Com 369550108   168,628 558 SH   DFND 0 558 0 0
GE AEROSPACE Com 369604301   415,630 2,204 SH   SOLE 0 2,204 0 0
GE AEROSPACE Com 369604301   57,894 307 SH   DFND 0 307 0 0
GENERAL MILLS INC Com 370334104   188,244 2,549 SH   SOLE 0 2,549 0 0
GENERAL MILLS INC Com 370334104   68,311 925 SH   DFND 0 925 0 0
GSK PLC Com 37733W204   971,350 23,761 SH   SOLE 0 23,761 0 0
GSK PLC Com 37733W204   21,258 520 SH   DFND 0 520 0 0
GOLDMAN SACHS GROUP INC Com 38141G104   232,702 470 SH   SOLE 0 470 0 0
GOLDMAN SACHS ACTIVEBETA INTL EQUITY ETF Com 381430107   17,697,981 489,300 SH   SOLE 0 486,184 0 3,116
GOLDMAN SACHS ACTIVEBETA INTL EQUITY ETF Com 381430107   21,738 601 SH   DFND 0 601 0 0
GOLDMAN SACHS ACTIVEBETA US LGE CAP EQ ETF Com 381430503   12,092,486 107,070 SH   SOLE 0 107,070 0 0
GOLDMAN SACHS ACTIVEBETA US LGE CAP EQ ETF Com 381430503   13,440 119 SH   DFND 0 119 0 0
JACK HENRY & ASSOCIATES INC Com 426281101   253,865 1,438 SH   SOLE 0 1,438 0 0
HERSHEY COMPANY Com 427866108   599,696 3,127 SH   SOLE 0 3,127 0 0
HOLOGIC INC Com 436440101   652,902 8,015 SH   SOLE 0 7,917 0 98
HOME DEPOT INC Com 437076102   14,387,842 35,508 SH   SOLE 0 35,220 0 288
HOME DEPOT INC Com 437076102   273,510 675 SH   DFND 0 675 0 0
HONEYWELL INTL INC Com 438516106   7,801,649 37,742 SH   SOLE 0 37,632 0 110
HUNTINGTON BANCSHARES INC Com 446150104   159,039 10,819 SH   SOLE 0 10,819 0 0
ILLINOIS TOOL WORKS INC Com 452308109   334,139 1,275 SH   SOLE 0 1,275 0 0
ILLINOIS TOOL WORKS INC Com 452308109   654,127 2,496 SH   DFND 0 2,496 0 0
INGERSOLL RAND INC Com 45687V106   186,013 1,895 SH   SOLE 0 1,895 0 0
INGERSOLL RAND INC Com 45687V106   96,099 979 SH   DFND 0 979 0 0
INTEL CORP Com 458140100   425,236 18,126 SH   SOLE 0 18,126 0 0
INTEL CORP Com 458140100   131,939 5,624 SH   DFND 0 5,624 0 0
INTERCONTINENTAL EXCHANGE INC Com 45866F104   373,167 2,323 SH   SOLE 0 2,323 0 0
INTERNATIONAL BUSINESS MACHINES CORP Com 459200101   3,118,997 14,108 SH   SOLE 0 14,108 0 0
INTERNATIONAL BUSINESS MACHINES CORP Com 459200101   44,216 200 SH   DFND 0 200 0 0
INVESCO QQQ TRUST SERIES 1 ETF Com 46090E103   757,973 1,553 SH   SOLE 0 1,553 0 0
INTUIT Com 461202103   353,349 569 SH   SOLE 0 569 0 0
INTUITIVE SURGICAL INC Com 46120E602   213,702 435 SH   SOLE 0 435 0 0
INVESCO WATER RESOURCES ETF Com 46137V142   1,055,137 14,958 SH   SOLE 0 14,844 0 114
INVESCO WATER RESOURCES ETF Com 46137V142   35,270 500 SH   DFND 0 500 0 0
INVESCO KBW BANK PORT ETF Com 46138E628   19,166,701 327,021 SH   SOLE 0 324,654 0 2,367
INVESCO SOLAR ETF Com 46138G706   447,697 10,385 SH   SOLE 0 10,385 0 0
INVESCO SOLAR ETF Com 46138G706   21,555 500 SH   DFND 0 500 0 0
ISHARES CORE S&P TOT US STK MKT ETF Com 464287150   257,772 2,052 SH   SOLE 0 2,052 0 0
ISHARES SELECT DIVIDEND ETF Com 464287168   910,372 6,740 SH   SOLE 0 6,740 0 0
ISHARES CORE S&P 500 ETF Com 464287200   71,408,586 123,797 SH   SOLE 0 123,364 0 433
ISHARES CORE TOT AGGR US BOND ETF Com 464287226   626,760 6,189 SH   SOLE 0 6,189 0 0
ISHARES IBOXX INV GRADE CORP BD ETF Com 464287242   1,099,521 9,732 SH   SOLE 0 9,732 0 0
ISHARES S&P GROWTH INDEX ETF Com 464287309   246,365 2,573 SH   SOLE 0 2,573 0 0
ISHARES MSCI EAFE INDEX ETF Com 464287465   1,340,923 16,034 SH   SOLE 0 16,034 0 0
ISHARES MSCI EAFE INDEX ETF Com 464287465   84,132 1,006 SH   DFND 0 1,006 0 0
ISHARES RUSSELL MID CAP ETF Com 464287499   466,172 5,289 SH   SOLE 0 5,289 0 0
ISHARES CORE S&P MIDCAP ETF Com 464287507   1,345,426 21,589 SH   SOLE 0 21,589 0 0
ISHARES RUSSELL 1000 VALUE ETF Com 464287598   264,202 1,392 SH   SOLE 0 1,392 0 0
ISHARES RUSSELL 1000 GROWTH ETF Com 464287614   846,857 2,256 SH   SOLE 0 2,256 0 0
ISHARES RUSSELL 2000 VALUE ETF Com 464287630   209,025 1,253 SH   SOLE 0 1,253 0 0
ISHARES RUSSELL 2000 ETF Com 464287655   340,171 1,540 SH   SOLE 0 1,540 0 0
ISHARES RUSSELL 3000 ETF Com 464287689   1,783,292 5,458 SH   SOLE 0 5,458 0 0
ISHARES CORE S&P SMALL CAP ETF Com 464287804   722,345 6,176 SH   SOLE 0 6,176 0 0
ISHARES CORE S&P SMALL CAP ETF Com 464287804   21,287 182 SH   DFND 0 182 0 0
ISHARES GLBL TIMBER & FORESTRY ETF Com 464288174   364,154 4,226 SH   SOLE 0 4,157 0 69
ISHARES NATL MUNI BOND ETF Com 464288414   24,771,333 228,034 SH   SOLE 0 225,010 0 3,024
ISHARES NATL MUNI BOND ETF Com 464288414   330,235 3,040 SH   DFND 0 3,040 0 0
ISHARES 5-10 YR INV GRADE CORP BOND ETF Com 464288638   262,368 4,884 SH   SOLE 0 4,884 0 0
ISHARES 3-7 YEAR TREAS BOND ETF Com 464288661   228,804 1,913 SH   SOLE 0 1,913 0 0
ISHARES MSCI USA ESG SELECT SOCIAL IDX ETF Com 464288802   2,760,806 22,936 SH   SOLE 0 22,776 0 160
ISHARES MSCI EAFE GROWTH ETF Com 464288885   423,065 3,930 SH   SOLE 0 3,930 0 0
ISHARES MSCI EAFE MIN VOL FACTOR ETF Com 46429B689   10,710,618 139,643 SH   SOLE 0 139,323 0 320
ISHARES MSCI EAFE MIN VOL FACTOR ETF Com 46429B689   22,013 287 SH   DFND 0 287 0 0
ISHARES EDGE MSCI MIN VOL USA ETF Com 46429B697   325,611 3,566 SH   SOLE 0 3,566 0 0
ISHARES EDGE MSCI USA QUAL FACT ETF Com 46432F339   765,790 4,271 SH   SOLE 0 4,271 0 0
ISHARES CORE MSCI EAFE ETF Com 46432F842   49,841,871 638,589 SH   SOLE 0 635,682 0 2,907
ISHARES CORE MSCI EAFE ETF Com 46432F842   72,430 928 SH   DFND 0 928 0 0
ISHARES U S EQUITY FACTOR ETF Com 46434V282   336,282 5,722 SH   SOLE 0 5,722 0 0
ISHARES MSCI INTL QUAL FACTOR ETF Com 46434V456   14,002,585 337,493 SH   SOLE 0 336,293 0 1,200
ISHARES MSCI INTL QUAL FACTOR ETF Com 46434V456   28,587 689 SH   DFND 0 689 0 0
ISHARES CORE DIVIDEND GROWTH ETF Com 46434V621   84,771,738 1,352,237 SH   SOLE 0 1,348,268 0 3,969
ISHARES CORE DIVIDEND GROWTH ETF Com 46434V621   18,932 302 SH   DFND 0 302 0 0
ISHARES IBONDS DEC 2025 TERM CORP ETF Com 46434VBD1   279,489 11,135 SH   SOLE 0 11,135 0 0
ISHARES IBONDS DEC 2026 TERM CORP ETF Com 46435GAA0   286,230 11,779 SH   SOLE 0 11,779 0 0
JPMORGAN CHASE & CO Com 46625H100   18,802,597 89,171 SH   SOLE 0 88,663 0 508
JPMORGAN CHASE & CO Com 46625H100   102,267 485 SH   DFND 0 485 0 0
JPMORGAN US QUALITY FACTOR ETF Com 46641Q761   9,074,959 160,420 SH   SOLE 0 160,420 0 0
JOHNSON & JOHNSON CO Com 478160104   8,594,852 53,035 SH   SOLE 0 52,125 0 910
JOHNSON & JOHNSON CO Com 478160104   186,045 1,148 SH   DFND 0 1,148 0 0
KLA CORP Com 482480100   205,993 266 SH   SOLE 0 266 0 0
KELLANOVA Com 487836108   323,889 4,013 SH   SOLE 0 4,013 0 0
KEYCORP NEW Com 493267108   307,162 18,338 SH   SOLE 0 17,783 0 555
KIMBERLY-CLARK CORP Com 494368103   1,179,359 8,289 SH   SOLE 0 8,289 0 0
KIMBERLY-CLARK CORP Com 494368103   71,140 500 SH   DFND 0 500 0 0
KROGER CO Com 501044101   13,075,058 228,186 SH   SOLE 0 226,605 0 1,581
KROGER CO Com 501044101   17,477 305 SH   DFND 0 305 0 0
ELI LILLY & CO Com 532457108   3,430,360 3,872 SH   SOLE 0 3,872 0 0
ELI LILLY & CO Com 532457108   588,264 664 SH   DFND 0 664 0 0
LINCOLN ELECTRIC HOLDINGS Com 533900106   5,822,430 30,322 SH   SOLE 0 29,878 0 444
LOCKHEED MARTIN CORP Com 539830109   3,082,969 5,274 SH   SOLE 0 5,241 0 33
LOWES COMPANIES INC Com 548661107   10,057,202 37,132 SH   SOLE 0 37,032 0 100
MARSH & MCLENNAN CO INC Com 571748102   865,812 3,881 SH   SOLE 0 3,881 0 0
MASCO CORP Com 574599106   2,160,280 25,736 SH   SOLE 0 25,736 0 0
MASCO CORP Com 574599106   34,499 411 SH   DFND 0 411 0 0
MASTERCARD INC CL A Com 57636Q104   2,287,775 4,633 SH   SOLE 0 4,330 0 303
MASTERCARD INC CL A Com 57636Q104   39,504 80 SH   DFND 0 80 0 0
MCDONALDS CORP Com 580135101   1,344,107 4,414 SH   SOLE 0 4,414 0 0
MCDONALDS CORP Com 580135101   61,511 202 SH   DFND 0 202 0 0
MERCK & CO INC Com 58933Y105   13,687,500 120,531 SH   SOLE 0 120,247 0 284
MERCK & CO INC Com 58933Y105   158,984 1,400 SH   DFND 0 1,400 0 0
METLIFE INC Com 59156R108   6,014,524 72,921 SH   SOLE 0 72,721 0 200
METLIFE INC Com 59156R108   6,681 81 SH   DFND 0 81 0 0
MICROSOFT CORP Com 594918104   54,145,940 125,833 SH   SOLE 0 124,842 0 991
MICROSOFT CORP Com 594918104   802,510 1,865 SH   DFND 0 1,865 0 0
MONDELEZ INTERNATIONAL INC A Com 609207105   12,834,493 174,216 SH   SOLE 0 173,062 0 1,154
MORGAN STANLEY Com 617446448   471,999 4,528 SH   SOLE 0 4,528 0 0
NASDAQ INC Com 631103108   111,267 1,524 SH   SOLE 0 1,524 0 0
NASDAQ INC Com 631103108   131,418 1,800 SH   DFND 0 1,800 0 0
NETFLIX INC Com 64110L106   213,490 301 SH   SOLE 0 301 0 0
NEXTERA ENERGY INC Com 65339F101   4,032,673 47,707 SH   SOLE 0 47,707 0 0
NIKE INC CLASS B Com 654106103   1,332,630 15,075 SH   SOLE 0 15,075 0 0
NIKE INC CLASS B Com 654106103   8,840 100 SH   DFND 0 100 0 0
NOVO-NORDISK A/S SPONS ADR Com 670100205   176,819 1,485 SH   SOLE 0 1,485 0 0
NOVO-NORDISK A/S SPONS ADR Com 670100205   333,396 2,800 SH   DFND 0 2,800 0 0
NVIDIA CORP Com 67066G104   3,233,583 26,627 SH   SOLE 0 26,627 0 0
NUVEEN ESG INTL DEV MKTS EQ ETF Com 67092P805   954,794 28,372 SH   SOLE 0 27,823 0 549
ORACLE CORPORATION Com 68389X105   16,813,879 98,673 SH   SOLE 0 98,235 0 438
ORACLE CORPORATION Com 68389X105   49,075 288 SH   DFND 0 288 0 0
PNC FINANCIAL SERVICES GROUP Com 693475105   422,937 2,288 SH   SOLE 0 2,288 0 0
PNC FINANCIAL SERVICES GROUP Com 693475105   11,461 62 SH   DFND 0 62 0 0
PPG INDUSTRIES Com 693506107   248,363 1,875 SH   SOLE 0 1,875 0 0
PPG INDUSTRIES Com 693506107   38,281 289 SH   DFND 0 289 0 0
PPL CORP Com 69351T106   383,728 11,600 SH   SOLE 0 11,600 0 0
PARKER HANNIFIN CORP Com 701094104   320,965 508 SH   SOLE 0 508 0 0
PARKER HANNIFIN CORP Com 701094104   34,750 55 SH   DFND 0 55 0 0
PAYCHEX INC Com 704326107   292,400 2,179 SH   SOLE 0 2,179 0 0
PEPSICO INC Com 713448108   3,100,352 18,232 SH   SOLE 0 18,232 0 0
PEPSICO INC Com 713448108   442,640 2,603 SH   DFND 0 2,603 0 0
PFIZER INC Com 717081103   6,764,609 233,746 SH   SOLE 0 231,813 0 1,933
PFIZER INC Com 717081103   410,716 14,192 SH   DFND 0 14,192 0 0
PHILIP MORRIS INTERNATIONAL INC Com 718172109   449,544 3,703 SH   SOLE 0 3,703 0 0
PROCTER & GAMBLE CO Com 742718109   15,479,230 89,372 SH   SOLE 0 88,376 0 996
PROCTER & GAMBLE CO Com 742718109   224,294 1,295 SH   DFND 0 1,295 0 0
PUBLIC SERVICE ENTERPRISE GROUP Com 744573106   317,231 3,556 SH   SOLE 0 3,556 0 0
QUALCOMM Com 747525103   196,238 1,154 SH   SOLE 0 1,154 0 0
QUALCOMM Com 747525103   18,025 106 SH   DFND 0 106 0 0
RTX CORPORATION Com 75513E101   1,926,081 15,897 SH   SOLE 0 15,897 0 0
RTX CORPORATION Com 75513E101   36,348 300 SH   DFND 0 300 0 0
REGENERON PHARMACEUTICALS INC Com 75886F107   6,718,475 6,391 SH   SOLE 0 6,270 0 121
ROPER TECHNOLOGIES, INC Com 776696106   498,570 896 SH   SOLE 0 896 0 0
SHELL PLC ADR Com 780259305   143,969 2,183 SH   SOLE 0 2,183 0 0
SHELL PLC ADR Com 780259305   260,832 3,955 SH   DFND 0 3,955 0 0
S&P GLOBAL INC Com 78409V104   415,879 805 SH   SOLE 0 805 0 0
SPDR S&P500 ETF Com 78462F103   4,816,141 8,394 SH   SOLE 0 8,394 0 0
SPDR GOLD SHARES ETF Com 78463V107   556,850 2,291 SH   SOLE 0 2,291 0 0
SPDR S&P DIVIDEND ETF Com 78464A763   1,989,554 14,007 SH   SOLE 0 14,007 0 0
SPDR S&P MIDCAP 400 ETF Com 78467Y107   385,090 676 SH   SOLE 0 676 0 0
SANOFI ADR Com 80105N105   1,292,929 22,435 SH   SOLE 0 22,435 0 0
SANOFI ADR Com 80105N105   38,670 671 SH   DFND 0 671 0 0
CHARLES SCHWAB CORP Com 808513105   278,683 4,300 SH   SOLE 0 4,300 0 0
SCHWAB US DIVIDEND EQUITY ETF Com 808524797   14,329,103 169,515 SH   SOLE 0 169,215 0 300
SPDR MATERIALS SELECT SECTOR ETF Com 81369Y100   217,626 2,258 SH   SOLE 0 2,258 0 0
SPDR HEALTH CARE SEL SECT ETF Com 81369Y209   1,131,893 7,349 SH   SOLE 0 7,349 0 0
SPDR CONSUMER STAPLES SELECT SECTOR ETF Com 81369Y308   2,388,325 28,775 SH   SOLE 0 28,485 0 290
SPDR CONSUMER DISC SELECT SECTOR ETF Com 81369Y407   1,504,178 7,507 SH   SOLE 0 7,507 0 0
SPDR CONSUMER DISC SELECT SECTOR ETF Com 81369Y407   35,065 175 SH   DFND 0 175 0 0
SPDR FINANCIAL SELECT SECTOR ETF Com 81369Y605   6,272,696 138,409 SH   SOLE 0 137,809 0 600
SPDR INDUSTRIAL SELECT SECTOR ETF Com 81369Y704   507,358 3,746 SH   SOLE 0 3,746 0 0
SPDR TECHNOLOGY SELECT SECTOR ETF Com 81369Y803   4,272,960 18,927 SH   SOLE 0 18,927 0 0
STARBUCKS CORP Com 855244109   1,301,784 13,353 SH   SOLE 0 13,353 0 0
STARBUCKS CORP Com 855244109   38,996 400 SH   DFND 0 400 0 0
STRYKER CORP Com 863667101   676,279 1,872 SH   SOLE 0 1,872 0 0
SYSCO CORPORATION Com 871829107   223,252 2,860 SH   SOLE 0 2,860 0 0
TJX COMPANIES INC Com 872540109   11,401,733 97,003 SH   SOLE 0 94,587 0 2,416
TJX COMPANIES INC Com 872540109   22,333 190 SH   DFND 0 190 0 0
TARGET CORP Com 87612E106   5,722,556 36,716 SH   SOLE 0 36,541 0 175
TARGET CORP Com 87612E106   26,029 167 SH   DFND 0 167 0 0
TETRA TECH INC Com 88162G103   887,363 18,816 SH   SOLE 0 18,816 0 0
TEXAS INSTRUMENTS INC Com 882508104   275,358 1,333 SH   SOLE 0 1,333 0 0
TEXAS INSTRUMENTS INC Com 882508104   61,971 300 SH   DFND 0 300 0 0
THERMO FISHER SCIENTIFIC Com 883556102   1,931,176 3,122 SH   SOLE 0 3,122 0 0
THERMO FISHER SCIENTIFIC Com 883556102   26,599 43 SH   DFND 0 43 0 0
3M CO Com 88579Y101   1,101,255 8,056 SH   SOLE 0 8,056 0 0
3M CO Com 88579Y101   20,505 150 SH   DFND 0 150 0 0
TOTALENERGIES SE SPON ADR Com 89151E109   13,001,867 201,205 SH   SOLE 0 199,786 0 1,419
TRAVELERS COS INC Com 89417E109   483,926 2,067 SH   SOLE 0 2,067 0 0
UNION PACIFIC CORP Com 907818108   2,292,510 9,301 SH   SOLE 0 9,301 0 0
UNION PACIFIC CORP Com 907818108   221,832 900 SH   DFND 0 900 0 0
UNITED PARCEL SERVICE INC Com 911312106   294,903 2,163 SH   SOLE 0 2,163 0 0
UNITED PARCEL SERVICE INC Com 911312106   40,902 300 SH   DFND 0 300 0 0
UNITEDHEALTH GROUP INC Com 91324P102   9,744,862 16,667 SH   SOLE 0 16,469 0 198
VALERO ENERGY CORP Com 91913Y100   262,498 1,944 SH   SOLE 0 1,944 0 0
VANGUARD DIVIDEND APPREC ETF Com 921908844   7,954,684 40,163 SH   SOLE 0 40,163 0 0
VANGUARD ESG INTL STOCK ETF Com 921910725   3,186,895 51,811 SH   SOLE 0 51,313 0 498
VANGUARD FTSE DEV MKT ETF Com 921943858   784,017 14,846 SH   SOLE 0 14,846 0 0
VANGUARD HIGH DIVIDEND YIELD ETF Com 921946406   492,032 3,838 SH   SOLE 0 3,838 0 0
VANGUARD SHORT TERM TIPS ETF Com 922020805   1,075,648 21,814 SH   SOLE 0 21,814 0 0
VANGUARD FTSE PACIFIC ETF Com 922042866   6,812,405 86,904 SH   SOLE 0 86,317 0 587
VANGUARD FTSE EUROPE ETF Com 922042874   9,110,612 128,138 SH   SOLE 0 127,232 0 906
VANGUARD HEALTH CARE ETF Com 92204A504   258,777 917 SH   SOLE 0 917 0 0
VANGUARD INDUSTRIALS ETF Com 92204A603   4,539,262 17,454 SH   SOLE 0 17,201 0 253
VANGUARD INDUSTRIALS ETF Com 92204A603   16,644 64 SH   DFND 0 64 0 0
VANGUARD INFO TECH ETF Com 92204A702   1,019,372 1,738 SH   SOLE 0 1,738 0 0
VANGUARD S&P 500 ETF Com 922908363   491,261 931 SH   SOLE 0 931 0 0
VANGUARD MID CAP VALUE ETF Com 922908512   18,083,880 107,854 SH   SOLE 0 107,104 0 750
VANGUARD MID CAP VALUE ETF Com 922908512   39,570 236 SH   DFND 0 236 0 0
VANGUARD MID CAP GROWTH ETF Com 922908538   505,444 2,076 SH   SOLE 0 2,076 0 0
VANGUARD MID CAP GROWTH ETF Com 922908538   93,736 385 SH   DFND 0 385 0 0
VANGUARD REIT INDEX ETF Com 922908553   240,530 2,469 SH   SOLE 0 2,469 0 0
VANGUARD REIT INDEX ETF Com 922908553   34,097 350 SH   DFND 0 350 0 0
VANGUARD LARGE CAP ETF Com 922908637   10,988,145 41,734 SH   SOLE 0 41,734 0 0
VANGUARD GROWTH ETF Com 922908736   337,858 880 SH   SOLE 0 880 0 0
VANGUARD VALUE ETF Com 922908744   221,180 1,267 SH   SOLE 0 1,267 0 0
VANGUARD TOTAL STOCK MKT ETF Com 922908769   3,865,700 13,652 SH   SOLE 0 13,652 0 0
VERIZON COMMUNICATIONS Com 92343V104   436,166 9,712 SH   SOLE 0 9,712 0 0
VERIZON COMMUNICATIONS Com 92343V104   211,706 4,714 SH   DFND 0 4,714 0 0
VISA INC Com 92826C839   13,500,320 49,101 SH   SOLE 0 48,941 0 160
VISA INC Com 92826C839   212,261 772 SH   DFND 0 772 0 0
WALMART STORES INC Com 931142103   3,666,535 45,406 SH   SOLE 0 44,806 0 600
WALMART STORES INC Com 931142103   331,398 4,104 SH   DFND 0 4,104 0 0
WASTE MANAGEMENT Com 94106L109   479,141 2,308 SH   SOLE 0 2,308 0 0
WATTS WATER TECHNOLOGIES Com 942749102   240,755 1,162 SH   SOLE 0 1,162 0 0
YUM BRANDS INC Com 988498101   231,639 1,658 SH   SOLE 0 1,658 0 0
YUM BRANDS INC Com 988498101   97,797 700 SH   DFND 0 700 0 0
ACCENTURE PLC Com G1151C101   7,652,489 21,649 SH   SOLE 0 21,445 0 204
ACCENTURE PLC Com G1151C101   8,837 25 SH   DFND 0 25 0 0
EATON CORP PLC Com G29183103   11,095,285 33,476 SH   SOLE 0 33,307 0 169
EATON CORP PLC Com G29183103   164,726 497 SH   DFND 0 497 0 0
LINDE PLC Com G54950103   1,467,298 3,077 SH   SOLE 0 3,077 0 0
LINDE PLC Com G54950103   107,294 225 SH   DFND 0 225 0 0
MEDTRONIC PLC Com G5960L103   5,900,836 65,543 SH   SOLE 0 65,150 0 393
TRANE TECHNOLOGIES PLC Com G8994E103   751,415 1,933 SH   SOLE 0 1,933 0 0
TRANE TECHNOLOGIES PLC Com G8994E103   1,386,600 3,567 SH   DFND 0 3,567 0 0
ASML HOLDING NV Com N07059210   211,646 254 SH   SOLE 0 254 0 0