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
ACCENTURE PLC IRELAND SHS CLASS A COMMON STOCK G1151C101 276 1,000 SH   SOLE   1,000 0 0
ACCENTURE PLC IRELAND SHS CLASS A COMMON STOCK G1151C101 193 700 SH   DFND   700 0 0
MEDTRONIC PLC ORD COMMON STOCK G5960L103 110 933 SH   SOLE   933 0 0
MEDTRONIC PLC ORD COMMON STOCK G5960L103 1,453 12,300 SH   DFND   12,300 0 0
ALCON AG ORD SHS COMMON STOCK H01301128 6 90 SH   SOLE   90 0 0
AT&T INC COM COMMON STOCK 00206R102 67 2,198 SH   SOLE   2,198 0 0
AT&T INC COM COMMON STOCK 00206R102 24 800 SH   DFND   800 0 0
ABBOTT LABS COM COMMON STOCK 002824100 24 200 SH   SOLE   200 0 0
ADOBE INC COM COMMON STOCK 00724F101 421 886 SH   SOLE   886 0 0
AMAZON COM INC COMMON STOCK 023135106 919 297 SH   SOLE   297 0 0
AMGEN INC COM COMMON STOCK 031162100 87 350 SH   SOLE   350 0 0
APPLE INC COM COMMON STOCK 037833100 24 200 SH   SOLE   200 0 0
APPLIED MATLS INC COM COMMON STOCK 038222105 135 1,007 SH   SOLE   1,007 0 0
BP P L C SPONSORED ADR FOREIGN EQUITIES 055622104 98 4,040 SH   SOLE   4,040 0 0
BANK OF AMERICA CORPORATION COM COMMON STOCK 060505104 541 13,986 SH   SOLE   13,986 0 0
BERKSHIRE HATHAWAY INC DEL CL A COMMON STOCK 084670108 3,471 9 SH   DFND   9 0 0
BRISTOL-MYERS SQUIBB CO COM COMMON STOCK 110122108 17 271 SH   SOLE   271 0 0
BROOKFIELD RENEWABLE CORP CL A SUB VTG COMMON STOCK 11284V105 18 384 SH   DFND   384 0 0
CSX CORP COM COMMON STOCK 126408103 77 800 SH   DFND   800 0 0
CANADIAN PAC RY LTD COM COMMON STOCK 13645T100 76 200 SH   SOLE   200 0 0
CATERPILLAR INC COM COMMON STOCK 149123101 139 600 SH   SOLE   600 0 0
CATERPILLAR INC COM COMMON STOCK 149123101 35 150 SH   DFND   150 0 0
CHEVRON CORP NEW COM COMMON STOCK 166764100 41 394 SH   SOLE   394 0 0
CHEVRON CORP NEW COM COMMON STOCK 166764100 25 240 SH   DFND   240 0 0
COCA COLA CO COM COMMON STOCK 191216100 42 800 SH   SOLE   800 0 0
CUMMINS INC COM COMMON STOCK 231021106 303 1,170 SH   SOLE   1,170 0 0
DEERE & CO COM COMMON STOCK 244199105 1,347 3,600 SH   DFND   3,600 0 0
WALT DISNEY CO COMMON STOCK 254687106 1,103 5,980 SH   SOLE   5,980 0 0
DOMINION ENERGY INC COM COMMON STOCK 25746U109 480 6,315 SH   SOLE   6,315 0 0
ECOLAB INC COM COMMON STOCK 278865100 123 574 SH   SOLE   574 0 0
EMERSON ELEC CO COM COMMON STOCK 291011104 144 1,600 SH   DFND   1,600 0 0
ENBRIDGE INC COM COMMON STOCK 29250N105 9 250 SH   SOLE   250 0 0
EXXON MOBIL CORP COM COMMON STOCK 30231G102 149 2,670 SH   SOLE   2,670 0 0
FISERV INC COM COMMON STOCK 337738108 55 460 SH   SOLE   460 0 0
GENERAL MLS INC COM COMMON STOCK 370334104 1,067 17,406 SH   SOLE   17,406 0 0
GENERAL MLS INC COM COMMON STOCK 370334104 18 300 SH   DFND   300 0 0
HOME DEPOT INC COM COMMON STOCK 437076102 72 237 SH   SOLE   237 0 0
HOME DEPOT INC COM COMMON STOCK 437076102 203 665 SH   DFND   665 0 0
HONEYWELL INTERNATIONAL COMMON STOCK 438516106 1,094 5,038 SH   SOLE   5,038 0 0
HONEYWELL INTERNATIONAL COMMON STOCK 438516106 368 1,696 SH   DFND   1,696 0 0
ILLINOIS TOOL WKS INC COM COMMON STOCK 452308109 5 24 SH   DFND   24 0 0
INTEL CORP COM COMMON STOCK 458140100 9 134 SH   SOLE   134 0 0
INVESCO EXCHANGE TRADED FD TS&P500 QUALITY STOCK ETFS 46137V241 1,140 25,725 SH   SOLE   25,725 0 0
INVESCO EXCHANGE TRADED FD TS&P500 PUR GWT STOCK ETFS 46137V266 211 1,282 SH   DFND   1,282 0 0
INVESCO EXCHANGE TRADED FD TFTSE RAFI 1500 STOCK ETFS 46137V597 264 1,496 SH   SOLE   1,496 0 0
INVESCO EXCHANGE TRADED FD TFTSE RAFI 1500 STOCK ETFS 46137V597 326 1,850 SH   DFND   1,850 0 0
INVESCO EXCHANGE TRADED FD TFTSE RAFI 1000 STOCK ETFS 46137V613 152 1,004 SH   SOLE   1,004 0 0
ISHARES TR DJ SEL DIV INX STOCK ETFS 464287168 481 4,215 SH   SOLE   4,215 0 0
ISHARES TR CORE S&P500 ETF STOCK ETFS 464287200 15,503 38,971 SH   SOLE   38,971 0 0
ISHARES TR CORE S&P500 ETF STOCK ETFS 464287200 674 1,694 SH   DFND   1,694 0 0
ISHARES TR CORE S&P MCP ETF STOCK ETFS 464287507 345 1,325 SH   SOLE   1,325 0 0
ISHARES TR CORE S&P MCP ETF STOCK ETFS 464287507 286 1,100 SH   DFND   1,100 0 0
ISHARES TR RUS 1000 VAL ETF STOCK ETFS 464287598 342 2,255 SH   SOLE   2,255 0 0
ISHARES TR RUS 1000 VAL ETF STOCK ETFS 464287598 532 3,509 SH   DFND   3,509 0 0
ISHARES TR S&P MC 400GR ETF STOCK ETFS 464287606 108 1,380 SH   SOLE   1,380 0 0
ISHARES TR RUSSELL1000GRW STOCK ETFS 464287614 1,195 4,915 SH   SOLE   4,915 0 0
ISHARES TR RUSSELL1000GRW STOCK ETFS 464287614 820 3,372 SH   DFND   3,372 0 0
ISHARES TR MSCI USA MIN VOL STOCK ETFS 46429B697 1,857 26,840 SH   SOLE   26,840 0 0
ISHARES TR MSCI USA QLT FCT STOCK ETFS 46432F339 1,785 14,655 SH   SOLE   14,655 0 0
ISHARES TR CORE DIV GRWTH STOCK ETFS 46434V621 2,050 42,475 SH   SOLE   42,475 0 0
JPMORGAN CHASE & CO COM COMMON STOCK 46625H100 31 205 SH   SOLE   205 0 0
JPMORGAN CHASE & CO COM COMMON STOCK 46625H100 210 1,378 SH   DFND   1,378 0 0
JOHNSON & JOHNSON COM COMMON STOCK 478160104 46 279 SH   SOLE   279 0 0
JOHNSON & JOHNSON COM COMMON STOCK 478160104 237 1,440 SH   DFND   1,440 0 0
LILLY ELI & CO COM COMMON STOCK 532457108 45 240 SH   DFND   240 0 0
MANULIFE FINL CORP COM FOREIGN EQUITIES 56501R106 82 3,792 SH   SOLE   3,792 0 0
MCDONALDS CORP COM COMMON STOCK 580135101 94 418 SH   SOLE   418 0 0
MERCK & CO. INC COM COMMON STOCK 58933Y105 7 86 SH   SOLE   86 0 0
MERCK & CO. INC COM COMMON STOCK 58933Y105 77 1,000 SH   DFND   1,000 0 0
MICROSOFT CORP COM COMMON STOCK 594918104 309 1,309 SH   SOLE   1,309 0 0
MICROSOFT CORP COM COMMON STOCK 594918104 205 870 SH   DFND   870 0 0
NIKE INC CL B COMMON STOCK 654106103 106 800 SH   SOLE   800 0 0
NOVARTIS A G SPONSORED ADR FOREIGN EQUITIES 66987V109 38 450 SH   SOLE   450 0 0
NUCOR CORP COM COMMON STOCK 670346105 96 1,200 SH   SOLE   1,200 0 0
NUVEEN S&P 500 BUY-WRITE INCCOM LRG CAP MUTL FDS 6706ER101 47 3,500 SH   SOLE   3,500 0 0
NVIDIA CORP COM COMMON STOCK 67066G104 17 32 SH   SOLE   32 0 0
ORACLE CORP COM COMMON STOCK 68389X105 88 1,250 SH   SOLE   1,250 0 0
PPG INDS INC COM COMMON STOCK 693506107 328 2,184 SH   DFND   2,184 0 0
PEPSICO INC COM COMMON STOCK 713448108 100 705 SH   SOLE   705 0 0
PEPSICO INC COM COMMON STOCK 713448108 184 1,300 SH   DFND   1,300 0 0
PFIZER INC COM COMMON STOCK 717081103 419 11,576 SH   SOLE   11,576 0 0
PRINCIPAL FINANCIAL GROUP INCOM COMMON STOCK 74251V102 6 100 SH   SOLE   100 0 0
PROCTER AND GAMBLE CO COM COMMON STOCK 742718109 715 5,276 SH   SOLE   5,276 0 0
PROCTER AND GAMBLE CO COM COMMON STOCK 742718109 240 1,770 SH   DFND   1,770 0 0
PROTO LABS INC COM COMMON STOCK 743713109 24 200 SH   SOLE   200 0 0
ROCKWELL AUTOMATION INC COM COMMON STOCK 773903109 110 416 SH   SOLE   416 0 0
ROSS STORES INC COM COMMON STOCK 778296103 167 1,393 SH   SOLE   1,393 0 0
SPDR TR S&P 500 ETF UNIT SER 1 STOCK ETFS 78462F103 10,183 25,693 SH   SOLE   25,693 0 0
SPDR TR S&P 500 ETF UNIT SER 1 STOCK ETFS 78462F103 8 20 SH   DFND   20 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP STOCK ETFS 78467Y107 414 870 SH   SOLE   870 0 0
SANOFI SPONSORED ADR COMMON STOCK 80105N105 20 400 SH   SOLE   400 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF STOCK ETFS 808524300 565 4,357 SH   SOLE   4,357 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF STOCK ETFS 808524300 921 7,094 SH   DFND   7,094 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF STOCK ETFS 808524508 60 800 SH   SOLE   800 0 0
SCHWAB STRATEGIC TR US AGGREGATE B BOND ETFS 808524839 4,856 90,008 SH   SOLE   90,008 0 0
SECTOR SPDR HEALTH CARE COMMON STOCK 81369Y209 108 926 SH   SOLE   926 0 0
SELECT SECTOR SPDR TR TECHNOLOGY STOCK ETFS 81369Y803 187 1,411 SH   SOLE   1,411 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS STOCK ETFS 81369Y886 63 990 SH   SOLE   990 0 0
SHERWIN WILLIAMS CO COM COMMON STOCK 824348106 12 16 SH   SOLE   16 0 0
SYSCO CORP COM COMMON STOCK 871829107 4 48 SH   SOLE   48 0 0
SYSCO CORP COM COMMON STOCK 871829107 157 2,000 SH   DFND   2,000 0 0
TAIWAN SEMICONDUCTOR MFG LTDSPONSORED ADR COMMON STOCK 874039100 39 333 SH   SOLE   333 0 0
TEXAS INSTRS INC COMMON STOCK 882508104 28 147 SH   SOLE   147 0 0
3M COMPANY COM COMMON STOCK 88579Y101 72 376 SH   SOLE   376 0 0
3M COMPANY COM COMMON STOCK 88579Y101 727 3,774 SH   DFND   3,774 0 0
TORO CO COM COMMON STOCK 891092108 20 192 SH   SOLE   192 0 0
TRAVELERS COMPANIES INC COM COMMON STOCK 89417E109 30 200 SH   SOLE   200 0 0
US BANCORP DEL COM NEW COMMON STOCK 902973304 48 876 SH   SOLE   876 0 0
US BANCORP DEL COM NEW COMMON STOCK 902973304 29 520 SH   DFND   520 0 0
UNION PAC CORP COM COMMON STOCK 907818108 215 976 SH   SOLE   976 0 0
UNITED PARCEL SERVICE INC CL B COMMON STOCK 911312106 8 48 SH   SOLE   48 0 0
UNITEDHEALTH GROUP INC COM COMMON STOCK 91324P102 23 63 SH   SOLE   63 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF STOCK ETFS 921908844 2,474 16,820 SH   SOLE   16,820 0 0
VANGUARD INTL EQUITY INDEX FALLWRLD EX US STOCK ETFS 922042775 670 11,040 SH   SOLE   11,040 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS STOCK ETFS 922908363 7,191 19,740 SH   SOLE   19,740 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS STOCK ETFS 922908363 24 65 SH   DFND   65 0 0
VANGUARD REAL ESTATE ETF REIT MUTL FDS 922908553 18 200 SH   SOLE   200 0 0
VANGUARD INDEX FDS MID CAP ETF STOCK ETFS 922908629 155 700 SH   SOLE   700 0 0
VANGUARD INDEX FDS GROWTH ETF STOCK ETFS 922908736 383 1,490 SH   SOLE   1,490 0 0
VANGUARD TOTAL STOCK MARKET ETF STOCK ETFS 922908769 3,181 15,388 SH   SOLE   15,388 0 0
VERIZON COMMUNICATIONS INC COM COMMON STOCK 92343V104 10 164 SH   SOLE   164 0 0
VERIZON COMMUNICATIONS INC COM COMMON STOCK 92343V104 70 1,200 SH   DFND   1,200 0 0
VISA INC COM CL A COMMON STOCK 92826C839 812 3,837 SH   SOLE   3,837 0 0
WELLS FARGO & CO NEW COM COMMON STOCK 949746101 165 4,212 SH   SOLE   4,212 0 0
XCEL ENERGY INC COM COMMON STOCK 98389B100 56 836 SH   SOLE   836 0 0
ZIMMER BIOMET HLDGS INC COM COMMON STOCK 98956P102 13 80 SH   SOLE   80 0 0