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
3M Company Equities 88579Y101   1,285,368 6,671 SH   SOLE   6,646 0 25
Abbott Laboratories Equities 002824100   143,808 1,200 SH   DFND   1,200 0 0
Abbott Laboratories Equities 002824100   416,564 3,476 SH   SOLE   3,476 0 0
Abbvie Inc Equities 00287Y109   129,864 1,200 SH   DFND   1,200 0 0
Abbvie Inc Equities 00287Y109   526,815 4,868 SH   SOLE   4,868 0 0
Accenture Plc Class A Equities G1151C101   5,525 20 SH   DFND   20 0 0
Accenture Plc Class A Equities G1151C101   4,218,338 15,270 SH   SOLE   15,100 90 80
Allstate Corp Equities 020002101   5,630 49 SH   DFND   49 0 0
Allstate Corp Equities 020002101   3,798,939 33,063 SH   SOLE   32,963 100 0
Alphabet Inc Class A Equities 02079K305   534,193 259 SH   SOLE   253 0 6
Alphabet Inc Class C Equities 02079K107   597,834 289 SH   SOLE   289 0 0
Amazon.com Inc Equities 023135106   897,283 290 SH   SOLE   288 0 2
Amgen Inc Equities 031162100   47,523 191 SH   DFND   191 0 0
Amgen Inc Equities 031162100   3,640,837 14,633 SH   SOLE   14,533 85 15
Apple Inc. Equities 037833100   83,795 686 SH   DFND   686 0 0
Apple Inc. Equities 037833100   11,411,742 93,424 SH   SOLE   92,874 480 70
AT&T Inc Equities 00206R102   79,822 2,637 SH   DFND   2,637 0 0
AT&T Inc Equities 00206R102   4,440,185 146,686 SH   SOLE   145,502 540 644
Automatic Data Processing Equities 053015103   271,585 1,441 SH   SOLE   1,441 0 0
Bank of New York Mellon Corp Equities 064058100   4,729 100 SH   DFND   100 0 0
Bank of New York Mellon Corp Equities 064058100   697,669 14,753 SH   SOLE   14,753 0 0
Baxter International Inc Equities 071813109   540,704 6,411 SH   SOLE   6,411 0 0
Berkshire Hathaway Inc Class B Equities 084670702   13,029 51 SH   DFND   51 0 0
Berkshire Hathaway Inc Class B Equities 084670702   839,985 3,288 SH   SOLE   3,263 0 25
Blackrock Inc Equities 09247X101   7,540 10 SH   DFND   10 0 0
Blackrock Inc Equities 09247X101   3,885,156 5,153 SH   SOLE   5,133 0 20
Bristol-Myers Squibb Co Equities 110122108   107,321 1,700 SH   DFND   1,700 0 0
Bristol-Myers Squibb Co Equities 110122108   798,342 12,646 SH   SOLE   12,646 0 0
Carrier Global Corp Equities 14448C104   3,800 90 SH   DFND   90 0 0
Carrier Global Corp Equities 14448C104   312,597 7,404 SH   SOLE   7,404 0 0
Caterpillar Inc Equities 149123101   3,478 15 SH   DFND   15 0 0
Caterpillar Inc Equities 149123101   449,364 1,938 SH   SOLE   1,938 0 0
Chevron Corp Equities 166764100   23,473 224 SH   DFND   224 0 0
Chevron Corp Equities 166764100   4,443,410 42,403 SH   SOLE   41,036 130 1,237
Chubb LTD Corp Equities H1467J104   7,109 45 SH   DFND   45 0 0
Chubb LTD Corp Equities H1467J104   302,513 1,915 SH   SOLE   1,879 0 36
Cisco Systems Inc Equities 17275R102   25,545 494 SH   DFND   494 0 0
Cisco Systems Inc Equities 17275R102   3,110,615 60,155 SH   SOLE   59,815 200 140
Clorox Company Equities 189054109   1,523,366 7,898 SH   SOLE   7,752 0 146
Coca-Cola Company Equities 191216100   115,962 2,200 SH   DFND   2,200 0 0
Coca-Cola Company Equities 191216100   4,429,590 84,037 SH   SOLE   83,474 300 263
Colgate-Palmolive Co Equities 194162103   911,669 11,565 SH   SOLE   11,565 0 0
Comcast Corp Class A Equities 20030N101   12,229 226 SH   DFND   226 0 0
Comcast Corp Class A Equities 20030N101   5,190,610 95,927 SH   SOLE   95,261 550 116
CSX Corp Equities 126408103   327,057 3,392 SH   SOLE   3,392 0 0
CVS Health Corp Equities 126650100   19,409 258 SH   DFND   258 0 0
CVS Health Corp Equities 126650100   3,993,961 53,090 SH   SOLE   52,505 470 115
Darden Restaurants Inc Equities 237194105   412,226 2,903 SH   SOLE   2,903 0 0
Deere & Co Equities 244199105   647,262 1,730 SH   SOLE   1,730 0 0
Dominion Energy Inc Equities 25746U109   255,605 3,365 SH   SOLE   3,365 0 0
Duke Energy Corp Equities 26441C204   3,185 33 SH   DFND   33 0 0
Duke Energy Corp Equities 26441C204   3,144,947 32,580 SH   SOLE   32,130 142 308
Dupont De Nemours Inc Equities 26614N102   215,920 2,794 SH   SOLE   2,794 0 0
Ecolab Inc Equities 278865100   14,771 69 SH   DFND   69 0 0
Ecolab Inc Equities 278865100   2,226,756 10,402 SH   SOLE   10,352 50 0
Eli Lilly & Co. Equities 532457108   806,128 4,315 SH   SOLE   4,315 0 0
Emerson Electric Co Equities 291011104   679,447 7,531 SH   SOLE   7,531 0 0
Enbridge Inc Equities 29250N105   377,759 10,378 SH   SOLE   10,378 0 0
Estee Lauder Companies Inc Clas Equities 518439104   325,170 1,118 SH   SOLE   1,118 0 0
Exxon Mobil Corp Equities 30231G102   2,326,436 41,670 SH   SOLE   40,237 0 1,433
Flexshares Glb. Upstream Ntrl. Equities 33939L407   4,581,871 126,606 SH   SOLE   125,535 726 345
Flexshares Yr. TIPS ETF Equities 33939L605   8,281,385 299,183 SH   SOLE   297,680 1,503 0
General Dynamics Corp Equities 369550108   9,804 54 SH   DFND   54 0 0
General Dynamics Corp Equities 369550108   1,558,511 8,584 SH   SOLE   8,444 40 100
General Electric Co Equities 369604103   26,260 2,000 SH   DFND   2,000 0 0
General Electric Co Equities 369604103   509,273 38,787 SH   SOLE   38,787 0 0
General Mills Inc Equities 370334104   419,122 6,835 SH   SOLE   6,835 0 0
Genuine Parts Co Equities 372460105   234,185 2,026 SH   SOLE   2,026 0 0
Home Depot Inc Equities 437076102   86,386 283 SH   DFND   283 0 0
Home Depot Inc Equities 437076102   6,468,858 21,192 SH   SOLE   20,887 75 230
Honeywell International Inc Equities 438516106   56,004 258 SH   DFND   258 0 0
Honeywell International Inc Equities 438516106   5,067,499 23,345 SH   SOLE   23,160 95 90
Intel Corporation Equities 458140100   44,800 700 SH   DFND   700 0 0
Intel Corporation Equities 458140100   5,216,000 81,500 SH   SOLE   80,825 500 175
International Business Machines Equities 459200101   8,795 66 SH   DFND   66 0 0
International Business Machines Equities 459200101   2,855,495 21,429 SH   SOLE   21,329 100 0
Invesco Bulletshares 2022 Munic Equities 46138J551   463,898 18,235 SH   SOLE   18,235 0 0
Invesco Bulletshares 2024 Munic Equities 46138J536   374,777 14,569 SH   SOLE   14,569 0 0
Invesco Bulletshares 2025 Munic Equities 46138J528   4,980 193 SH   DFND   193 0 0
Invesco Bulletshares 2025 Munic Equities 46138J528   257,327 9,972 SH   SOLE   9,972 0 0
Invesco Bulletshares 2026 Munic Equities 46138J510   4,961 193 SH   DFND   193 0 0
Invesco Bulletshares 2026 Munic Equities 46138J510   654,732 25,471 SH   SOLE   25,471 0 0
Invesco Bulletshares 2028 Munic Equities 46138J486   273,643 10,594 SH   SOLE   10,594 0 0
Invesco Bulletshares 2029 Munic Equities 46138J478   254,687 9,918 SH   SOLE   9,918 0 0
Invesco BulletShares 2030 Munic Equities 46138J445   4,912 196 SH   DFND   196 0 0
Invesco BulletShares 2030 Munic Equities 46138J445   232,703 9,286 SH   SOLE   9,286 0 0
iShares 1-3 Year Treasury Bond Equities 464287457   20,010 232 SH   DFND   232 0 0
iShares 1-3 Year Treasury Bond Equities 464287457   486,364 5,639 SH   SOLE   5,639 0 0
iShares Core S&P 500 ETF Equities 464287200   759,041 1,908 SH   SOLE   1,816 0 92
iShares Core S&P Mid-Cap ETF Equities 464287507   364,132 1,399 SH   SOLE   1,399 0 0
iShares GNMA Bond ETF Equities 46429B333   1,724,545 34,292 SH   SOLE   34,292 0 0
iShares iBonds 2022 Corporate E Equities 46434VBA7   369,730 14,522 SH   SOLE   14,522 0 0
iShares iBonds 2023 Corporate E Equities 46434VAX8   316,268 12,099 SH   SOLE   12,099 0 0
iShares iBonds 2024 Corporate E Equities 46434VBG4   697,065 26,414 SH   SOLE   26,414 0 0
iShares iBonds 2025 Corporate E Equities 46434VBD1   439,529 16,382 SH   SOLE   16,382 0 0
iShares iBonds 2026 Corporate E Equities 46435GAA0   522,482 19,821 SH   SOLE   19,821 0 0
iShares iBonds 2027 Corporate E Equities 46435UAA9   648,254 24,261 SH   SOLE   24,261 0 0
iShares iBonds 2028 Corporate E Equities 46435U515   472,123 16,671 SH   SOLE   16,671 0 0
iShares iBonds 2029 Corporate E Equities 46436E205   296,001 11,328 SH   SOLE   11,328 0 0
iShares iBonds 2030 Corporate E Equities 46436E726   260,729 10,526 SH   SOLE   10,526 0 0
iShares MBS ETF Equities 464288588   1,718,023 15,846 SH   SOLE   15,846 0 0
iShares Russell 1000 Growth ETF Equities 464287614   410,738 1,690 SH   SOLE   1,690 0 0
iShares Russell 1000 Value ETF Equities 464287598   242,025 1,597 SH   SOLE   1,597 0 0
iShares Russell 2000 ETF Equities 464287655   1,513,439 6,850 SH   SOLE   6,850 0 0
iShares Russell Mid-Cap ETF Equities 464287499   1,449,546 19,607 SH   SOLE   19,607 0 0
iShares S&P 500 Growth ETF Equities 464287309   213,691 3,282 SH   SOLE   3,282 0 0
iShares Select Dividend ETF Equities 464287168   1,387,114 12,157 SH   SOLE   12,157 0 0
iShares Short Treasury Bond Equities 464288679   50,061 453 SH   DFND   453 0 0
iShares Short Treasury Bond Equities 464288679   345,565 3,127 SH   SOLE   3,127 0 0
iShares US Preferred Stock ETF Equities 464288687   1,534,771 39,968 SH   SOLE   38,993 500 475
Johnson & Johnson Equities 478160104   34,514 210 SH   DFND   210 0 0
Johnson & Johnson Equities 478160104   10,063,151 61,230 SH   SOLE   60,722 140 368
JP Morgan Chase Equities 46625H100   93,774 616 SH   DFND   616 0 0
JP Morgan Chase Equities 46625H100   8,620,024 56,625 SH   SOLE   56,172 233 220
Kentucky First Federal Bancorp Equities 491292108   151,936 22,509 SH   SOLE   22,509 0 0
Kimberly-Clark Corp Equities 494368103   814,972 5,861 SH   SOLE   5,861 0 0
Kintara Therapeutics, Inc. Equities 49720K101   19,575 11,250 SH   SOLE   11,250 0 0
Linde Plc Equities G5494J103   20,730 74 SH   DFND   74 0 0
Linde Plc Equities G5494J103   2,748,173 9,810 SH   SOLE   9,760 50 0
Lockheed Martin Corp Equities 539830109   424,925 1,150 SH   SOLE   1,138 0 12
Lowe's Companies Inc Equities 548661107   1,607,401 8,452 SH   SOLE   8,252 0 200
Mastercard Inc Class A Equities 57636Q104   3,992,033 11,212 SH   SOLE   10,745 0 467
McDonald's Corp Equities 580135101   16,811 75 SH   DFND   75 0 0
McDonald's Corp Equities 580135101   6,127,091 27,336 SH   SOLE   27,031 105 200
Merck & Co Inc Equities 58933Y105   6,553 85 SH   DFND   85 0 0
Merck & Co Inc Equities 58933Y105   1,582,658 20,530 SH   SOLE   20,355 0 175
Meta Platforms Inc Equities 30303M102   332,524 1,129 SH   SOLE   1,129 0 0
Microsoft Corp Equities 594918104   147,356 625 SH   DFND   625 0 0
Microsoft Corp Equities 594918104   11,951,181 50,690 SH   SOLE   50,156 225 309
Mondelez International Inc A Equities 609207105   12,701 217 SH   DFND   217 0 0
Mondelez International Inc A Equities 609207105   1,899,474 32,453 SH   SOLE   32,178 275 0
Morgan Stanley Corp Equities 617446448   320,115 4,122 SH   SOLE   4,122 0 0
Nextera Energy Inc Equities 65339F101   3,063,868 40,522 SH   SOLE   40,317 75 130
Nike Inc Class B Equities 654106103   5,316 40 SH   DFND   40 0 0
Nike Inc Class B Equities 654106103   1,035,213 7,790 SH   SOLE   7,735 0 55
Norfolk Southern Corp Equities 655844108   16,111 60 SH   DFND   60 0 0
Norfolk Southern Corp Equities 655844108   6,006,524 22,369 SH   SOLE   22,319 50 0
Novartis Ag ADR Equities 66987V109   715,980 8,376 SH   SOLE   8,126 0 250
NVIDIA Corp Equities 67066G104   299,001 560 SH   SOLE   560 0 0
Opko Health Inc Equities 68375N103   251,823 58,700 SH   SOLE   58,700 0 0
Oracle Corporation Equities 68389X105   417,582 5,951 SH   SOLE   5,846 0 105
Otis Worldwide Corp Equities 68902V107   3,080 45 SH   DFND   45 0 0
Otis Worldwide Corp Equities 68902V107   242,998 3,550 SH   SOLE   3,550 0 0
Paypal Holdings Equities 70450Y103   246,725 1,016 SH   SOLE   1,016 0 0
Pepsico Inc Equities 713448108   2,974,552 21,029 SH   SOLE   20,693 0 336
Pfizer Inc Equities 717081103   21,955 606 SH   DFND   606 0 0
Pfizer Inc Equities 717081103   5,138,972 141,843 SH   SOLE   140,203 560 1,080
PNC Financial Services Group Equities 693475105   916,868 5,227 SH   SOLE   5,227 0 0
PPG Industries Inc Equities 693506107   727,709 4,843 SH   SOLE   4,843 0 0
Procter & Gamble Co Equities 742718109   251,358 1,856 SH   DFND   1,856 0 0
Procter & Gamble Co Equities 742718109   8,607,931 63,560 SH   SOLE   63,007 100 453
Raytheon Technologies Corp Equities 75513E101   13,677 177 SH   DFND   177 0 0
Raytheon Technologies Corp Equities 75513E101   709,725 9,185 SH   SOLE   9,185 0 0
Realty Income Corp REIT Equities 756109104   31,750 500 SH   DFND   500 0 0
Realty Income Corp REIT Equities 756109104   1,391,158 21,908 SH   SOLE   21,533 0 375
Shoshone Silver Mining Company Equities 825356108   0 10,000 SH   SOLE   10,000 0 0
Southern Company Equities 842587107   5,594 90 SH   DFND   90 0 0
Southern Company Equities 842587107   1,903,712 30,626 SH   SOLE   30,251 0 375
SPDR Dow Jones Industrial Avera Equities 78467X109   333,812 1,011 SH   SOLE   1,011 0 0
SPDR S&P 500 ETF Equities 78462F103   95,119 240 SH   DFND   240 0 0
SPDR S&P 500 ETF Equities 78462F103   875,493 2,209 SH   SOLE   2,209 0 0
Starbucks Corp Equities 855244109   59,224 542 SH   DFND   542 0 0
Starbucks Corp Equities 855244109   4,715,547 43,155 SH   SOLE   42,825 200 130
Sysco Corp Equities 871829107   19,134 243 SH   DFND   243 0 0
Sysco Corp Equities 871829107   189,133 2,402 SH   SOLE   2,402 0 0
T Rowe Price Group Inc. Equities 74144T108   1,581,980 9,219 SH   SOLE   8,919 0 300
Target Co Equities 87612E106   11,488 58 SH   DFND   58 0 0
Target Co Equities 87612E106   1,696,668 8,566 SH   SOLE   8,481 60 25
TJX Companies Inc Equities 872540109   721,366 10,905 SH   SOLE   10,905 0 0
Truist Financial Corp Equities 89832Q109   2,624 45 SH   DFND   45 0 0
Truist Financial Corp Equities 89832Q109   2,362,077 40,502 SH   SOLE   40,502 0 0
U.S. Bancorp Equities 902973304   470,799 8,512 SH   SOLE   7,612 0 900
Unilever Plc ADR Equities 904767704   23,169 415 SH   DFND   415 0 0
Unilever Plc ADR Equities 904767704   874,409 15,662 SH   SOLE   15,297 0 365
Union Pacific Corp Equities 907818108   1,338,991 6,075 SH   SOLE   6,075 0 0
United Parcel Service Inc Class Equities 911312106   54,397 320 SH   DFND   320 0 0
United Parcel Service Inc Class Equities 911312106   3,910,450 23,004 SH   SOLE   22,629 25 350
UnitedHealth Group Inc Equities 91324P102   494,853 1,330 SH   SOLE   1,300 0 30
Vanguard Developed Markets Inde Equities 921943858   457,853 9,323 SH   SOLE   9,323 0 0
Vanguard Dividend Appreciation Equities 921908844   724,369 4,925 SH   SOLE   4,853 0 72
Vanguard Extended Markets ETF Equities 922908652   211,231 1,194 SH   SOLE   1,194 0 0
Vanguard Growth Index ETF Equities 922908736   352,659 1,372 SH   SOLE   1,372 0 0
Vanguard Idx Total Stock Market Equities 922908769   521,065 2,521 SH   SOLE   2,521 0 0
Vanguard Information Technology Equities 92204A702   39,434 110 SH   DFND   110 0 0
Vanguard Information Technology Equities 92204A702   2,820,599 7,868 SH   SOLE   7,648 0 220
Vanguard Large Cap Index ETF Equities 922908637   574,430 3,100 SH   SOLE   3,100 0 0
Vanguard Mid-Cap Index ETF Equities 922908629   538,299 2,432 SH   SOLE   2,260 0 172
Vanguard REIT Index ETF Equities 922908553   970,593 10,566 SH   SOLE   10,097 0 469
Vanguard S&P 500 ETF Equities 922908363   228,780 628 SH   SOLE   549 0 79
Vanguard Small-Cap Index ETF Equities 922908751   623,615 2,913 SH   SOLE   2,792 0 121
Vanguard Value Index ETF Equities 922908744   255,164 1,941 SH   SOLE   1,941 0 0
Verizon Communications Inc Equities 92343V104   61,930 1,065 SH   DFND   1,065 0 0
Verizon Communications Inc Equities 92343V104   1,296,745 22,300 SH   SOLE   22,300 0 0
Visa Inc Class A Equities 92826C839   29,642 140 SH   DFND   140 0 0
Visa Inc Class A Equities 92826C839   4,819,822 22,764 SH   SOLE   22,203 0 561
Walgreens Boots Alliance Inc Equities 931427108   82,350 1,500 SH   DFND   1,500 0 0
Walgreens Boots Alliance Inc Equities 931427108   1,067,805 19,450 SH   SOLE   19,450 0 0
Walmart Stores Inc Equities 931142103   16,300 120 SH   DFND   120 0 0
Walmart Stores Inc Equities 931142103   1,059,610 7,801 SH   SOLE   7,745 0 56
Walt Disney Co Equities 254687106   28,601 155 SH   DFND   155 0 0
Walt Disney Co Equities 254687106   7,786,375 42,198 SH   SOLE   41,675 230 293
Wisdomtree Global Ex-US Quality Equities 97717W802   646,197 16,440 SH   SOLE   16,440 0 0
Wisdomtree US Midcap Dividend F Equities 97717W505   890,574 22,033 SH   SOLE   22,033 0 0
Wisdomtree US Smallcap Dividend Equities 97717W604   706,918 22,694 SH   SOLE   22,694 0 0