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
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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
Abbott Laboratories Equities 002824100   130,824 1,200 SH   DFND   1,200 0 0
Abbott Laboratories Equities 002824100   605,824 5,557 SH   SOLE   5,557 0 0
Abbvie Inc Equities 00287Y109   134,730 1,000 SH   DFND   1,000 0 0
Abbvie Inc Equities 00287Y109   710,162 5,271 SH   SOLE   5,271 0 0
Accenture Plc Class A Equities G1151C101   11,726 38 SH   DFND   38 0 0
Accenture Plc Class A Equities G1151C101   5,732,182 18,576 SH   SOLE   18,406 90 80
Allstate Corp Equities 020002101   5,343 49 SH   DFND   49 0 0
Allstate Corp Equities 020002101   3,135,009 28,751 SH   SOLE   28,701 50 0
Alphabet Inc Class A Equities 02079K305   604,485 5,050 SH   SOLE   5,050 0 0
Alphabet Inc Class C Equities 02079K107   682,876 5,645 SH   SOLE   5,645 0 0
Amazon.com Inc Equities 023135106   966,880 7,417 SH   SOLE   7,417 0 0
Amgen Inc Equities 031162100   20,204 91 SH   DFND   91 0 0
Amgen Inc Equities 031162100   601,008 2,707 SH   SOLE   2,707 0 0
Apple Inc. Equities 037833100   133,063 686 SH   DFND   686 0 0
Apple Inc. Equities 037833100   18,146,087 93,551 SH   SOLE   93,086 330 135
AT&T Inc Equities 00206R102   42,060 2,637 SH   DFND   2,637 0 0
AT&T Inc Equities 00206R102   2,201,882 138,049 SH   SOLE   137,474 500 75
Automatic Data Processing Equities 053015103   272,759 1,241 SH   SOLE   1,241 0 0
Bank of New York Mellon Corp Equities 064058100   4,452 100 SH   DFND   100 0 0
Bank of New York Mellon Corp Equities 064058100   459,090 10,312 SH   SOLE   10,312 0 0
Berkshire Hathaway Inc Class B Equities 084670702   17,391 51 SH   DFND   51 0 0
Berkshire Hathaway Inc Class B Equities 084670702   1,151,216 3,376 SH   SOLE   3,376 0 0
Blackrock Inc Equities 09247X101   6,911 10 SH   DFND   10 0 0
Blackrock Inc Equities 09247X101   4,717,722 6,826 SH   SOLE   6,796 0 30
Bristol-Myers Squibb Co Equities 110122108   108,715 1,700 SH   DFND   1,700 0 0
Bristol-Myers Squibb Co Equities 110122108   640,331 10,013 SH   SOLE   10,013 0 0
Broadcom Ltd Equities 11135F101   3,860,064 4,450 SH   SOLE   4,425 25 0
Carrier Global Corp Equities 14448C104   4,474 90 SH   DFND   90 0 0
Carrier Global Corp Equities 14448C104   335,642 6,752 SH   SOLE   6,752 0 0
Caterpillar Inc Equities 149123101   3,691 15 SH   DFND   15 0 0
Caterpillar Inc Equities 149123101   885,042 3,597 SH   SOLE   3,597 0 0
Cencora Inc Equities 03073E105   259,203 1,347 SH   SOLE   1,347 0 0
Chevron Corp Equities 166764100   35,246 224 SH   DFND   224 0 0
Chevron Corp Equities 166764100   6,964,311 44,260 SH   SOLE   42,955 110 1,195
Chubb LTD Corp Equities H1467J104   8,665 45 SH   DFND   45 0 0
Chubb LTD Corp Equities H1467J104   335,440 1,742 SH   SOLE   1,742 0 0
Cisco Systems Inc Equities 17275R102   25,560 494 SH   DFND   494 0 0
Cisco Systems Inc Equities 17275R102   3,166,074 61,192 SH   SOLE   60,952 200 40
Clorox Company Equities 189054109   783,749 4,928 SH   SOLE   4,788 0 140
Coca-Cola Company Equities 191216100   132,484 2,200 SH   DFND   2,200 0 0
Coca-Cola Company Equities 191216100   5,016,025 83,295 SH   SOLE   82,965 300 30
Colgate-Palmolive Co Equities 194162103   542,208 7,038 SH   SOLE   7,038 0 0
Comcast Corp Class A Equities 20030N101   14,335 345 SH   DFND   345 0 0
Comcast Corp Class A Equities 20030N101   4,119,018 99,134 SH   SOLE   98,684 450 0
Communication Services SPDR Equities 81369Y852   685,162 10,528 SH   SOLE   10,528 0 0
Costco Wholesale Corp Equities 22160K105   225,581 419 SH   SOLE   419 0 0
CSX Corp Equities 126408103   343,148 10,063 SH   SOLE   10,063 0 0
CVS Health Corp Equities 126650100   17,836 258 SH   DFND   258 0 0
CVS Health Corp Equities 126650100   5,176,178 74,876 SH   SOLE   74,020 350 506
Darden Restaurants Inc Equities 237194105   526,803 3,153 SH   SOLE   3,153 0 0
Deere & Co Equities 244199105   649,114 1,602 SH   SOLE   1,602 0 0
Dimensional US Marketwide Value Equities 25434V724   1,743,699 50,542 SH   SOLE   50,542 0 0
Duke Energy Corp Equities 26441C204   2,961 33 SH   DFND   33 0 0
Duke Energy Corp Equities 26441C204   2,783,645 31,019 SH   SOLE   30,652 77 290
Ecolab Inc Equities 278865100   12,882 69 SH   DFND   69 0 0
Ecolab Inc Equities 278865100   2,364,242 12,664 SH   SOLE   12,614 50 0
Eli Lilly & Co. Equities 532457108   1,463,687 3,121 SH   SOLE   3,121 0 0
Emerson Electric Co Equities 291011104   551,921 6,106 SH   SOLE   6,106 0 0
Enbridge Inc Equities 29250N105   309,534 8,332 SH   SOLE   8,332 0 0
Estee Lauder Companies Inc Clas Equities 518439104   271,201 1,381 SH   SOLE   1,381 0 0
Exxon Mobil Corp Equities 30231G102   4,102,956 38,256 SH   SOLE   36,856 0 1,400
Flexshares Glb. Upstream Ntrl. Equities 33939L407   8,535 213 SH   DFND   213 0 0
Flexshares Glb. Upstream Ntrl. Equities 33939L407   10,889,423 271,760 SH   SOLE   270,559 947 254
Flexshares Yr. TIPS ETF Equities 33939L605   6,559 277 SH   DFND   277 0 0
Flexshares Yr. TIPS ETF Equities 33939L605   6,438,829 271,910 SH   SOLE   271,061 591 258
General Dynamics Corp Equities 369550108   11,618 54 SH   DFND   54 0 0
General Dynamics Corp Equities 369550108   2,029,725 9,434 SH   SOLE   9,294 40 100
General Mills Inc Equities 370334104   515,041 6,715 SH   SOLE   6,715 0 0
Genuine Parts Co Equities 372460105   311,722 1,842 SH   SOLE   1,842 0 0
Hershey Co Foods Equities 427866108   280,163 1,122 SH   SOLE   1,122 0 0
Home Depot Inc Equities 437076102   87,911 283 SH   DFND   283 0 0
Home Depot Inc Equities 437076102   7,058,051 22,721 SH   SOLE   22,451 75 195
Honeywell International Inc Equities 438516106   53,535 258 SH   DFND   258 0 0
Honeywell International Inc Equities 438516106   5,174,428 24,937 SH   SOLE   24,768 84 85
Intel Corporation Equities 458140100   23,408 700 SH   DFND   700 0 0
Intel Corporation Equities 458140100   1,554,392 46,483 SH   SOLE   46,333 100 50
International Business Machines Equities 459200101   8,831 66 SH   DFND   66 0 0
International Business Machines Equities 459200101   2,879,056 21,516 SH   SOLE   21,436 80 0
Invesco Bulletshares 2023 Munic Equities 46138J544   9,982 398 SH   DFND   398 0 0
Invesco Bulletshares 2023 Munic Equities 46138J544   865,110 34,494 SH   SOLE   34,494 0 0
Invesco Bulletshares 2024 Munic Equities 46138J536   10,032 405 SH   DFND   405 0 0
Invesco Bulletshares 2024 Munic Equities 46138J536   1,338,125 54,022 SH   SOLE   54,022 0 0
Invesco Bulletshares 2025 Munic Equities 46138J528   9,691 398 SH   DFND   398 0 0
Invesco Bulletshares 2025 Munic Equities 46138J528   1,079,776 44,344 SH   SOLE   44,344 0 0
Invesco Bulletshares 2026 Munic Equities 46138J510   9,545 406 SH   DFND   406 0 0
Invesco Bulletshares 2026 Munic Equities 46138J510   1,548,768 65,877 SH   SOLE   65,877 0 0
Invesco Bulletshares 2027 Munic Equities 46138J494   5,050 214 SH   DFND   214 0 0
Invesco Bulletshares 2027 Munic Equities 46138J494   897,461 38,028 SH   SOLE   38,028 0 0
Invesco Bulletshares 2028 Munic Equities 46138J486   5,071 217 SH   DFND   217 0 0
Invesco Bulletshares 2028 Munic Equities 46138J486   1,075,885 46,037 SH   SOLE   46,037 0 0
Invesco Bulletshares 2029 Munic Equities 46138J478   5,056 220 SH   DFND   220 0 0
Invesco Bulletshares 2029 Munic Equities 46138J478   933,792 40,635 SH   SOLE   40,635 0 0
Invesco BulletShares 2030 Munic Equities 46138J445   9,401 428 SH   DFND   428 0 0
Invesco BulletShares 2030 Munic Equities 46138J445   1,265,986 57,636 SH   SOLE   57,636 0 0
Invesco Bulletshares 2031 Munic Equities 46138J411   472,908 22,365 SH   SOLE   22,365 0 0
Invesco QQQ Trust Series I Equities 46090E103   510,538 1,382 SH   SOLE   1,382 0 0
iShares Core S&P 500 ETF Equities 464287200   904,346 2,029 SH   SOLE   2,029 0 0
iShares Core S&P Mid-Cap ETF Equities 464287507   517,469 1,979 SH   SOLE   1,979 0 0
iShares GNMA Bond ETF Equities 46429B333   1,503,361 34,292 SH   SOLE   34,292 0 0
iShares iBonds 2023 Corporate E Equities 46434VAX8   863,021 34,125 SH   SOLE   34,125 0 0
iShares iBonds 2024 Corporate E Equities 46434VBG4   1,432,022 58,165 SH   SOLE   58,165 0 0
iShares iBonds 2025 Corporate E Equities 46434VBD1   970,007 39,787 SH   SOLE   39,787 0 0
iShares iBonds 2026 Corporate E Equities 46435GAA0   1,179,368 50,250 SH   SOLE   50,250 0 0
iShares iBonds 2027 Corporate E Equities 46435UAA9   984,422 41,926 SH   SOLE   41,926 0 0
iShares iBonds 2028 Corporate E Equities 46435U515   1,044,484 42,632 SH   SOLE   42,632 0 0
iShares iBonds 2029 Corporate E Equities 46436E205   714,449 31,824 SH   SOLE   31,824 0 0
iShares iBonds 2030 Corporate E Equities 46436E726   822,857 38,814 SH   SOLE   38,814 0 0
iShares iBonds 2031 Corporate E Equities 46436E486   470,203 23,197 SH   SOLE   23,197 0 0
iShares MBS ETF Equities 464288588   1,499,515 16,078 SH   SOLE   16,078 0 0
iShares Russell 1000 ETF Equities 464287622   457,744 1,878 SH   SOLE   1,878 0 0
iShares Russell 1000 Growth ETF Equities 464287614   767,202 2,788 SH   SOLE   2,788 0 0
iShares Russell 1000 Value ETF Equities 464287598   275,729 1,747 SH   SOLE   1,747 0 0
iShares Russell 2000 ETF Equities 464287655   1,158,452 6,186 SH   SOLE   6,186 0 0
iShares Russell Mid-Cap ETF Equities 464287499   1,260,571 17,261 SH   SOLE   17,261 0 0
iShares S&P Mid-Cap 400 Growth Equities 464287606   216,000 2,880 SH   SOLE   2,880 0 0
iShares Select Dividend ETF Equities 464287168   1,046,665 9,238 SH   SOLE   9,238 0 0
iShares Trust Core US Aggregate Equities 464287226   266,620 2,722 SH   SOLE   2,722 0 0
iShares US Preferred Stock ETF Equities 464288687   374,439 12,106 SH   SOLE   12,106 0 0
Johnson & Johnson Equities 478160104   34,759 210 SH   DFND   210 0 0
Johnson & Johnson Equities 478160104   9,479,496 57,271 SH   SOLE   56,836 140 295
JP Morgan Chase Equities 46625H100   89,591 616 SH   DFND   616 0 0
JP Morgan Chase Equities 46625H100   9,365,172 64,392 SH   SOLE   64,127 105 160
Kimberly-Clark Corp Equities 494368103   735,170 5,325 SH   SOLE   5,325 0 0
Lockheed Martin Corp Equities 539830109   289,579 629 SH   SOLE   629 0 0
Lowe's Companies Inc Equities 548661107   1,862,928 8,254 SH   SOLE   8,054 0 200
Mastercard Inc Class A Equities 57636Q104   4,082,454 10,380 SH   SOLE   9,968 0 412
McDonald's Corp Equities 580135101   22,381 75 SH   DFND   75 0 0
McDonald's Corp Equities 580135101   7,705,543 25,822 SH   SOLE   25,617 70 135
Medtronic Plc Corp Equities G5960L103   3,130,898 35,538 SH   SOLE   35,213 120 205
Merck & Co Inc Equities 58933Y105   9,808 85 SH   DFND   85 0 0
Merck & Co Inc Equities 58933Y105   1,501,916 13,016 SH   SOLE   12,841 0 175
Meta Platforms Inc Equities 30303M102   241,063 840 SH   SOLE   840 0 0
Microsoft Corp Equities 594918104   195,811 575 SH   DFND   575 0 0
Microsoft Corp Equities 594918104   17,876,307 52,494 SH   SOLE   52,042 185 267
Mondelez International Inc A Equities 609207105   15,828 217 SH   DFND   217 0 0
Mondelez International Inc A Equities 609207105   2,258,514 30,964 SH   SOLE   30,827 137 0
Morgan Stanley Corp Equities 617446448   345,443 4,045 SH   SOLE   4,045 0 0
Nextera Energy Inc Equities 65339F101   6,307 85 SH   DFND   85 0 0
Nextera Energy Inc Equities 65339F101   3,960,722 53,379 SH   SOLE   53,004 125 250
Nike Inc Class B Equities 654106103   4,415 40 SH   DFND   40 0 0
Nike Inc Class B Equities 654106103   899,295 8,148 SH   SOLE   8,148 0 0
Norfolk Southern Corp Equities 655844108   18,368 81 SH   DFND   81 0 0
Norfolk Southern Corp Equities 655844108   5,495,302 24,234 SH   SOLE   24,184 50 0
Novartis Ag ADR Equities 66987V109   415,446 4,117 SH   SOLE   4,117 0 0
NVIDIA Corp Equities 67066G104   943,335 2,230 SH   SOLE   2,230 0 0
Opko Health Inc Equities 68375N103   109,151 50,300 SH   SOLE   50,300 0 0
Oracle Corporation Equities 68389X105   658,568 5,530 SH   SOLE   5,530 0 0
Otis Worldwide Corp Equities 68902V107   4,005 45 SH   DFND   45 0 0
Otis Worldwide Corp Equities 68902V107   298,184 3,350 SH   SOLE   3,350 0 0
Pepsico Inc Equities 713448108   3,375,127 18,222 SH   SOLE   17,897 0 325
Pfizer Inc Equities 717081103   24,429 666 SH   DFND   666 0 0
Pfizer Inc Equities 717081103   4,540,214 123,779 SH   SOLE   122,684 270 825
PNC Financial Services Group Equities 693475105   494,480 3,926 SH   SOLE   3,926 0 0
PPG Industries Inc Equities 693506107   629,089 4,242 SH   SOLE   4,242 0 0
Procter & Gamble Co Equities 742718109   281,629 1,856 SH   DFND   1,856 0 0
Procter & Gamble Co Equities 742718109   8,956,302 59,024 SH   SOLE   58,559 100 365
Raytheon Technologies Corp Equities 75513E101   17,339 177 SH   DFND   177 0 0
Raytheon Technologies Corp Equities 75513E101   844,513 8,621 SH   SOLE   8,621 0 0
Realty Income Corp REIT Equities 756109104   29,895 500 SH   DFND   500 0 0
Realty Income Corp REIT Equities 756109104   1,019,718 17,055 SH   SOLE   16,680 0 375
Shoshone Silver Mining Company Equities 825356108   1 10,000 SH   SOLE   10,000 0 0
Southern Company Equities 842587107   6,323 90 SH   DFND   90 0 0
Southern Company Equities 842587107   1,476,655 21,020 SH   SOLE   20,745 0 275
SPDR Dow Jones Industrial Avera Equities 78467X109   230,723 671 SH   SOLE   671 0 0
SPDR S&P 500 ETF Equities 78462F103   106,387 240 SH   DFND   240 0 0
SPDR S&P 500 ETF Equities 78462F103   2,469,513 5,571 SH   SOLE   5,571 0 0
Starbucks Corp Equities 855244109   53,691 542 SH   DFND   542 0 0
Starbucks Corp Equities 855244109   4,888,809 49,352 SH   SOLE   49,092 200 60
T Rowe Price Group Inc. Equities 74144T108   588,665 5,255 SH   SOLE   4,980 0 275
Target Co Equities 87612E106   11,871 90 SH   DFND   90 0 0
Target Co Equities 87612E106   2,841,126 21,540 SH   SOLE   21,365 100 75
Technology Select Sector SPDR - Equities 81369Y803   223,932 1,288 SH   SOLE   1,288 0 0
TJX Companies Inc Equities 872540109   354,592 4,182 SH   SOLE   4,182 0 0
Truist Financial Corp Equities 89832Q109   1,366 45 SH   DFND   45 0 0
Truist Financial Corp Equities 89832Q109   962,186 31,703 SH   SOLE   31,703 0 0
Unilever Plc ADR Equities 904767704   21,634 415 SH   DFND   415 0 0
Unilever Plc ADR Equities 904767704   367,204 7,044 SH   SOLE   6,679 0 365
Union Pacific Corp Equities 907818108   996,704 4,871 SH   SOLE   4,871 0 0
United Parcel Service Inc Class Equities 911312106   57,360 320 SH   DFND   320 0 0
United Parcel Service Inc Class Equities 911312106   4,766,975 26,594 SH   SOLE   26,194 50 350
UnitedHealth Group Inc Equities 91324P102   652,228 1,357 SH   SOLE   1,357 0 0
Vanguard Developed Markets Inde Equities 921943858   552,728 11,969 SH   SOLE   11,969 0 0
Vanguard Dividend Appreciation Equities 921908844   582,312 3,585 SH   SOLE   3,585 0 0
Vanguard Growth Index ETF Equities 922908736   800,777 2,830 SH   SOLE   2,830 0 0
Vanguard Idx Total Stock Market Equities 922908769   326,014 1,480 SH   SOLE   1,480 0 0
Vanguard Information Technology Equities 92204A702   22,108 50 SH   DFND   50 0 0
Vanguard Information Technology Equities 92204A702   3,764,992 8,515 SH   SOLE   8,250 0 265
Vanguard Large Cap Index ETF Equities 922908637   522,612 2,578 SH   SOLE   2,578 0 0
Vanguard Mid-Cap Index ETF Equities 922908629   923,351 4,194 SH   SOLE   4,194 0 0
Vanguard REIT Index ETF Equities 922908553   650,097 7,780 SH   SOLE   7,780 0 0
Vanguard S&P 500 ETF Equities 922908363   746,137 1,832 SH   SOLE   1,832 0 0
Vanguard Small-Cap Index ETF Equities 922908751   576,383 2,898 SH   SOLE   2,898 0 0
Vanguard Value Index ETF Equities 922908744   446,762 3,144 SH   SOLE   3,144 0 0
Verizon Communications Inc Equities 92343V104   39,607 1,065 SH   DFND   1,065 0 0
Verizon Communications Inc Equities 92343V104   432,185 11,621 SH   SOLE   11,621 0 0
Visa Inc Class A Equities 92826C839   33,247 140 SH   DFND   140 0 0
Visa Inc Class A Equities 92826C839   5,054,524 21,284 SH   SOLE   20,739 0 545
Walgreens Boots Alliance Inc Equities 931427108   42,735 1,500 SH   DFND   1,500 0 0
Walgreens Boots Alliance Inc Equities 931427108   362,963 12,740 SH   SOLE   12,740 0 0
Walmart Stores Inc Equities 931142103   18,862 120 SH   DFND   120 0 0
Walmart Stores Inc Equities 931142103   1,114,878 7,093 SH   SOLE   7,093 0 0
Walt Disney Co Equities 254687106   32,587 365 SH   DFND   365 0 0
Walt Disney Co Equities 254687106   3,973,585 44,507 SH   SOLE   44,017 230 260
Wisdomtree Global Ex-US Quality Equities 97717W802   865,984 23,443 SH   SOLE   23,443 0 0
Wisdomtree US Midcap Dividend F Equities 97717W505   1,571,030 37,361 SH   SOLE   37,361 0 0
Wisdomtree US Smallcap Dividend Equities 97717W604   1,268,747 44,069 SH   SOLE   44,069 0 0