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
AFLAC, Inc. Com 001055102 203 3,902 SH   SOLE 0 3,902 0 0
AFLAC, Inc. Com 001055102 26 500 SH   DFND 0 500 0 0
AT&T Inc. Com Com 00206R102 3,830 141,815 SH   SOLE 0 141,750 0 65
AT&T Inc. Com Com 00206R102 513 19,000 SH   DFND 0 19,000 0 0
Abbott Laboratories Com 002824100 2,642 22,366 SH   SOLE 0 22,331 0 35
Abbott Laboratories Com 002824100 152 1,289 SH   DFND 0 1,289 0 0
AbbVie Inc Com 00287Y109 2,849 26,412 SH   SOLE 0 26,412 0 0
AbbVie Inc Com 00287Y109 437 4,051 SH   DFND 0 4,051 0 0
Activision Blizzard Inc Com 00507V109 502 6,490 SH   SOLE 0 6,490 0 0
Activision Blizzard Inc Com 00507V109 21 265 SH   DFND 0 265 0 0
Adobe Systems Inc. Com 00724F101 2,901 5,039 SH   SOLE 0 5,039 0 0
Adobe Systems Inc. Com 00724F101 108 187 SH   DFND 0 187 0 0
Air Products & Chemicals Com 009158106 480 1,873 SH   SOLE 0 1,873 0 0
Air Products & Chemicals Com 009158106 3 10 SH   DFND 0 10 0 0
Alphabet Inc Cl C Com 02079K107 1,791 672 SH   SOLE 0 672 0 0
Alphabet Inc Cl C Com 02079K107 197 74 SH   DFND 0 74 0 0
Alphabet Inc. Cl A Com 02079K305 8,042 3,008 SH   SOLE 0 3,008 0 0
Alphabet Inc. Cl A Com 02079K305 356 133 SH   DFND 0 133 0 0
Altria Group Inc. Com 02209S103 778 17,085 SH   SOLE 0 17,085 0 0
Altria Group Inc. Com 02209S103 84 1,855 SH   DFND 0 1,855 0 0
Amazon.Com, Inc. Com 023135106 7,878 2,398 SH   SOLE 0 2,398 0 0
Amazon.Com, Inc. Com 023135106 529 161 SH   DFND 0 161 0 0
American Express Co Com 025816109 632 3,775 SH   SOLE 0 3,775 0 0
American Express Co Com 025816109 322 1,925 SH   DFND 0 1,925 0 0
Ameriprise Financial, Inc. Com 03076C106 732 2,770 SH   SOLE 0 2,770 0 0
Ameriprise Financial, Inc. Com 03076C106 3 10 SH   DFND 0 10 0 0
Amgen Inc. Com 031162100 1,179 5,543 SH   SOLE 0 5,543 0 0
Amgen Inc. Com 031162100 118 555 SH   DFND 0 555 0 0
Analog Devices Inc. Com 032654105 404 2,413 SH   SOLE 0 2,413 0 0
Analog Devices Inc. Com 032654105 23 138 SH   DFND 0 138 0 0
Apple, Inc. Com 037833100 18,682 132,029 SH   SOLE 0 131,984 0 45
Apple, Inc. Com 037833100 1,570 11,095 SH   DFND 0 11,095 0 0
Applied Materials Inc. Com 038222105 5,042 39,164 SH   SOLE 0 39,129 0 35
Applied Materials Inc. Com 038222105 203 1,578 SH   DFND 0 1,578 0 0
Automatic Data Processing Com 053015103 1,197 5,989 SH   SOLE 0 5,989 0 0
Automatic Data Processing Com 053015103 141 705 SH   DFND 0 705 0 0
Bank Of America Corporation Com 060505104 2,911 68,575 SH   SOLE 0 68,575 0 0
Bank Of America Corporation Com 060505104 209 4,928 SH   DFND 0 4,928 0 0
Becton, Dickinson and Co. Com 075887109 253 1,030 SH   SOLE 0 1,030 0 0
Berkshire Hathaway, Inc. Cl A Com 084670108 823 2 SH   SOLE 0 2 0 0
Berkshire Hathaway Inc Cl B Com 084670702 1,187 4,348 SH   SOLE 0 4,338 0 10
Berkshire Hathaway Inc Cl B Com 084670702 80 293 SH   DFND 0 293 0 0
Berkshire Hills Bancorp Inc Com 084680107 291 10,794 SH   SOLE 0 10,794 0 0
Blackrock Inc Com 09247X101 1,079 1,287 SH   SOLE 0 1,287 0 0
Blackrock Inc Com 09247X101 71 85 SH   DFND 0 85 0 0
Bristol Myers Squibb Co. Com 110122108 3,007 50,828 SH   SOLE 0 50,778 0 50
Bristol Myers Squibb Co. Com 110122108 382 6,461 SH   DFND 0 6,461 0 0
Cigna Corp Com 125523100 215 1,075 SH   SOLE 0 1,075 0 0
CVS Health Corp Com 126650100 3,074 36,224 SH   SOLE 0 36,179 0 45
CVS Health Corp Com 126650100 175 2,063 SH   DFND 0 2,063 0 0
Campbell Soup Co Com 134429109 214 5,115 SH   SOLE 0 5,115 0 0
Campbell Soup Co Com 134429109 25 600 SH   DFND 0 600 0 0
Capital One Financial Corp. Com 14040H105 1,050 6,482 SH   SOLE 0 6,482 0 0
Capital One Financial Corp. Com 14040H105 105 649 SH   DFND 0 649 0 0
Caterpillar Inc. Com 149123101 1,368 7,128 SH   SOLE 0 7,128 0 0
Caterpillar Inc. Com 149123101 77 403 SH   DFND 0 403 0 0
Chevron Corp com Com 166764100 2,916 28,741 SH   SOLE 0 28,721 0 20
Chevron Corp com Com 166764100 260 2,558 SH   DFND 0 2,558 0 0
Cisco Systems, Inc. Com 17275R102 2,593 47,640 SH   SOLE 0 47,565 0 75
Cisco Systems, Inc. Com 17275R102 270 4,953 SH   DFND 0 4,953 0 0
Citrix Systems Inc Com 177376100 687 6,402 SH   SOLE 0 6,402 0 0
Citrix Systems Inc Com 177376100 35 325 SH   DFND 0 325 0 0
Coca Cola Com 191216100 1,927 36,729 SH   SOLE 0 36,729 0 0
Coca Cola Com 191216100 626 11,926 SH   DFND 0 11,926 0 0
Cognizant Tech Solutions-A Com 192446102 2,185 29,438 SH   SOLE 0 29,438 0 0
Cognizant Tech Solutions-A Com 192446102 39 527 SH   DFND 0 527 0 0
ComCast Corporation Cl A Com 20030N101 2,937 52,516 SH   SOLE 0 52,446 0 70
ComCast Corporation Cl A Com 20030N101 190 3,390 SH   DFND 0 3,390 0 0
ConocoPhillips Com 20825C104 90 1,334 SH   SOLE 0 1,334 0 0
ConocoPhillips Com 20825C104 153 2,251 SH   DFND 0 2,251 0 0
Consolidated Edison Inc. Com 209115104 725 9,991 SH   SOLE 0 9,991 0 0
Consolidated Edison Inc. Com 209115104 289 3,980 SH   DFND 0 3,980 0 0
Corecare Sys Inc Com 218908101 0 10,000 SH   SOLE 0 10,000 0 0
Costco Wholesale Corporation Com 22160K105 795 1,769 SH   SOLE 0 1,759 0 10
Costco Wholesale Corporation Com 22160K105 9 19 SH   DFND 0 19 0 0
Cummins, Inc. Com 231021106 860 3,831 SH   SOLE 0 3,831 0 0
Cummins, Inc. Com 231021106 8 35 SH   DFND 0 35 0 0
Danaher Corp. Com Com 235851102 610 2,005 SH   SOLE 0 2,005 0 0
Darden Restaurants Inc. Com 237194105 260 1,715 SH   SOLE 0 1,715 0 0
Darden Restaurants Inc. Com 237194105 15 100 SH   DFND 0 100 0 0
Deere & Co. Com 244199105 867 2,589 SH   SOLE 0 2,589 0 0
Deere & Co. Com 244199105 175 523 SH   DFND 0 523 0 0
The Walt Disney Company Com 254687106 2,620 15,485 SH   SOLE 0 15,485 0 0
The Walt Disney Company Com 254687106 204 1,207 SH   DFND 0 1,207 0 0
Dominion Energy Inc. Com 25746U109 917 12,555 SH   SOLE 0 12,555 0 0
Dominion Energy Inc. Com 25746U109 100 1,372 SH   DFND 0 1,372 0 0
Dow Inc Com 260557103 766 13,303 SH   SOLE 0 13,303 0 0
Dow Inc Com 260557103 97 1,684 SH   DFND 0 1,684 0 0
Duke Energy Corp Com 26441C204 2,453 25,131 SH   SOLE 0 25,131 0 0
Duke Energy Corp Com 26441C204 222 2,273 SH   DFND 0 2,273 0 0
Dupont De Nemours Inc Com 26614N102 2,163 31,809 SH   SOLE 0 31,779 0 30
Dupont De Nemours Inc Com 26614N102 103 1,511 SH   DFND 0 1,511 0 0
Emerson Electric Co Com 291011104 702 7,452 SH   SOLE 0 7,452 0 0
Emerson Electric Co Com 291011104 12 125 SH   DFND 0 125 0 0
Entergy Corp. Com 29364G103 598 6,026 SH   SOLE 0 6,026 0 0
Entergy Corp. Com 29364G103 92 930 SH   DFND 0 930 0 0
Exelon Corp. Com 30161N101 747 15,452 SH   SOLE 0 15,412 0 40
Exelon Corp. Com 30161N101 87 1,790 SH   DFND 0 1,790 0 0
Exxon Mobil Corporation Com 30231G102 850 14,455 SH   SOLE 0 14,455 0 0
Exxon Mobil Corporation Com 30231G102 131 2,225 SH   DFND 0 2,225 0 0
Facebook Inc Com 30303M102 4,059 11,959 SH   SOLE 0 11,959 0 0
Facebook Inc Com 30303M102 167 492 SH   DFND 0 492 0 0
General Electric Co Com 369604301 1,359 13,191 SH   SOLE 0 13,191 0 0
General Electric Co Com 369604301 174 1,688 SH   DFND 0 1,688 0 0
Gilead Sciences, Inc. Com 375558103 711 10,180 SH   SOLE 0 10,180 0 0
Gilead Sciences, Inc. Com 375558103 23 325 SH   DFND 0 325 0 0
Glaxosmithkline Plc Sponsored ADR Com 37733W105 331 8,650 SH   DFND 0 8,650 0 0
Global X US Preferred ETF Pfd Stk 37954Y657 2,952 114,586 SH   SOLE 0 114,586 0 0
Global X US Preferred ETF Pfd Stk 37954Y657 90 3,476 SH   DFND 0 3,476 0 0
Goldman Sachs Group Inc. Com 38141G104 422 1,117 SH   SOLE 0 1,117 0 0
Goldman Sachs Group Inc. Com 38141G104 9 25 SH   DFND 0 25 0 0
Goldman Sachs Active Beta ETF Com 381430503 857 9,963 SH   SOLE 0 9,963 0 0
Goldman Sachs Active Beta ETF Com 381430503 221 2,565 SH   DFND 0 2,565 0 0
HP Inc. Com 40434L105 230 8,395 SH   SOLE 0 8,395 0 0
HP Inc. Com 40434L105 38 1,400 SH   DFND 0 1,400 0 0
Home Depot, Inc. Com 437076102 3,481 10,604 SH   SOLE 0 10,594 0 10
Home Depot, Inc. Com 437076102 507 1,545 SH   DFND 0 1,545 0 0
Honeywell International Inc. Com 438516106 1,159 5,459 SH   SOLE 0 5,449 0 10
Honeywell International Inc. Com 438516106 324 1,525 SH   DFND 0 1,525 0 0
Humana Inc Com 444859102 383 984 SH   SOLE 0 984 0 0
Independent Bank Corp Mass Com 453836108 479 6,285 SH   SOLE 0 6,285 0 0
Independent Bank Corp Mass Com 453836108 208 2,735 SH   DFND 0 2,735 0 0
Intel Corp Com 458140100 3,202 60,098 SH   SOLE 0 60,098 0 0
Intel Corp Com 458140100 300 5,635 SH   DFND 0 5,635 0 0
International Business Machines Com 459200101 2,199 15,825 SH   SOLE 0 15,825 0 0
International Business Machines Com 459200101 432 3,112 SH   DFND 0 3,112 0 0
International Paper Com 460146103 551 9,849 SH   SOLE 0 9,849 0 0
International Paper Com 460146103 110 1,965 SH   DFND 0 1,965 0 0
Intuit Inc Com 461202103 1,090 2,020 SH   SOLE 0 2,020 0 0
Invesco II Pfd-ETF Pfd Stk 46138E511 10,169 676,583 SH   SOLE 0 675,983 0 600
Invesco II Pfd-ETF Pfd Stk 46138E511 753 50,102 SH   DFND 0 50,102 0 0
Iron Mountain Inc. Com 46284V101 438 10,078 SH   DFND 0 10,078 0 0
IShares MSCI Emerging Mkts Min Vol Factor ETF Com 464286533 1,832 29,229 SH   SOLE 0 29,229 0 0
IShares MSCI Emerging Mkts Min Vol Factor ETF Com 464286533 12 193 SH   DFND 0 193 0 0
iShares S&P 500 Index - ETF Com 464287200 670 1,556 SH   SOLE 0 1,556 0 0
Ishares Core U.S. Aggregate-ETF Com 464287226 7,544 65,700 SH   SOLE 0 65,700 0 0
Ishares Core U.S. Aggregate-ETF Com 464287226 106 919 SH   DFND 0 919 0 0
iShares MSCI EAFE Index - ETF Com 464287465 277 3,550 SH   SOLE 0 3,550 0 0
iShares MSCI EAFE Index - ETF Com 464287465 56 713 SH   DFND 0 713 0 0
IShares Tr Short-Term Corp Bd-ETF Com 464288646 6,041 110,559 SH   SOLE 0 110,559 0 0
IShares Tr Short-Term Corp Bd-ETF Com 464288646 560 10,255 SH   DFND 0 10,255 0 0
Ishares MSCI International Quality Com 46434V456 1,207 31,876 SH   SOLE 0 31,876 0 0
Ishares MSCI International Quality Com 46434V456 22 571 SH   DFND 0 571 0 0
JPMorgan Chase & Company Com 46625H100 9,280 56,691 SH   SOLE 0 56,666 0 25
JPMorgan Chase & Company Com 46625H100 1,011 6,179 SH   DFND 0 6,179 0 0
Johnson & Johnson Com 478160104 4,774 29,562 SH   SOLE 0 29,562 0 0
Johnson & Johnson Com 478160104 519 3,214 SH   DFND 0 3,214 0 0
Kimberly-Clark Corp Com 494368103 1,006 7,596 SH   SOLE 0 7,596 0 0
Kimberly-Clark Corp Com 494368103 197 1,489 SH   DFND 0 1,489 0 0
Lilly, Eli & Co Com 532457108 2,265 9,801 SH   SOLE 0 9,801 0 0
Lilly, Eli & Co Com 532457108 214 925 SH   DFND 0 925 0 0
Lockheed Martin Corporation Com 539830109 1,577 4,569 SH   SOLE 0 4,569 0 0
Lockheed Martin Corporation Com 539830109 122 354 SH   DFND 0 354 0 0
Lowe's Companies, Inc. Com 548661107 5,102 25,152 SH   SOLE 0 25,132 0 20
Lowe's Companies, Inc. Com 548661107 251 1,239 SH   DFND 0 1,239 0 0
Masco Corporation Com 574599106 805 14,495 SH   SOLE 0 14,495 0 0
Masco Corporation Com 574599106 12 219 SH   DFND 0 219 0 0
McDonald's Corp. Com 580135101 4,311 17,881 SH   SOLE 0 17,881 0 0
McDonald's Corp. Com 580135101 424 1,757 SH   DFND 0 1,757 0 0
Merck & Co. Inc. Com 58933Y105 1,935 25,758 SH   SOLE 0 25,758 0 0
Merck & Co. Inc. Com 58933Y105 269 3,588 SH   DFND 0 3,588 0 0
MetLife Inc. Com Com 59156R108 813 13,167 SH   SOLE 0 13,167 0 0
MetLife Inc. Com Com 59156R108 7 107 SH   DFND 0 107 0 0
Microsoft Corp Com 594918104 15,267 54,153 SH   SOLE 0 54,128 0 25
Microsoft Corp Com 594918104 1,168 4,142 SH   DFND 0 4,142 0 0
Microchip Technology Inc. Com 595017104 1,115 7,266 SH   SOLE 0 7,266 0 0
Microchip Technology Inc. Com 595017104 157 1,025 SH   DFND 0 1,025 0 0
National Grid Plc-SP ADR Com 636274409 569 9,549 SH   SOLE 0 9,549 0 0
National Grid Plc-SP ADR Com 636274409 78 1,307 SH   DFND 0 1,307 0 0
NextEra Energy Inc. Com 65339F101 3,343 42,575 SH   SOLE 0 42,550 0 25
NextEra Energy Inc. Com 65339F101 298 3,801 SH   DFND 0 3,801 0 0
Nike Inc. Class B Com 654106103 3,005 20,690 SH   SOLE 0 20,665 0 25
Nike Inc. Class B Com 654106103 132 912 SH   DFND 0 912 0 0
Novartis AG Sponsored ADR Com 66987V109 225 2,752 SH   SOLE 0 2,752 0 0
Novartis AG Sponsored ADR Com 66987V109 29 352 SH   DFND 0 352 0 0
Nucor Corporation Com 670346105 327 3,320 SH   SOLE 0 3,320 0 0
Nucor Corporation Com 670346105 40 405 SH   DFND 0 405 0 0
Nvidia Corporation Com 67066G104 2,047 9,881 SH   SOLE 0 9,861 0 20
Nvidia Corporation Com 67066G104 107 518 SH   DFND 0 518 0 0
Oracle Corp. Com 68389X105 881 10,112 SH   SOLE 0 10,112 0 0
Oracle Corp. Com 68389X105 59 680 SH   DFND 0 680 0 0
PPL Corporation Com 69351T106 379 13,600 SH   SOLE 0 13,600 0 0
PPL Corporation Com 69351T106 24 850 SH   DFND 0 850 0 0
Pepsico Inc Com 713448108 2,538 16,877 SH   SOLE 0 16,877 0 0
Pepsico Inc Com 713448108 312 2,072 SH   DFND 0 2,072 0 0
Pfizer, Inc Com 717081103 2,713 63,084 SH   SOLE 0 63,084 0 0
Pfizer, Inc Com 717081103 504 11,729 SH   DFND 0 11,729 0 0
Philip Morris Intl Inc. Com 718172109 746 7,865 SH   SOLE 0 7,865 0 0
Philip Morris Intl Inc. Com 718172109 35 370 SH   DFND 0 370 0 0
T Rowe Price Group Inc Com 74144T108 1,894 9,630 SH   SOLE 0 9,630 0 0
T Rowe Price Group Inc Com 74144T108 75 379 SH   DFND 0 379 0 0
Principal Financial Group Inc. Com 74251V102 901 13,988 SH   SOLE 0 13,988 0 0
Principal Financial Group Inc. Com 74251V102 62 955 SH   DFND 0 955 0 0
Procter & Gamble Co Com 742718109 5,036 36,026 SH   SOLE 0 36,026 0 0
Procter & Gamble Co Com 742718109 481 3,438 SH   DFND 0 3,438 0 0
Prudential Financial Inc. Com 744320102 1,065 10,120 SH   SOLE 0 10,095 0 25
Prudential Financial Inc. Com 744320102 25 235 SH   DFND 0 235 0 0
Public Storage Com 74460D109 1,507 5,074 SH   SOLE 0 5,074 0 0
Public Storage Com 74460D109 27 90 SH   DFND 0 90 0 0
Qualcomm Inc Com 747525103 3,515 27,254 SH   SOLE 0 27,254 0 0
Qualcomm Inc Com 747525103 273 2,117 SH   DFND 0 2,117 0 0
Raytheon Technologies Corp Com 75513E101 1,463 17,014 SH   SOLE 0 17,004 0 10
Raytheon Technologies Corp Com 75513E101 153 1,775 SH   DFND 0 1,775 0 0
Regeneron Pharmaceuticals Com 75886F107 995 1,644 SH   SOLE 0 1,644 0 0
Regeneron Pharmaceuticals Com 75886F107 41 67 SH   DFND 0 67 0 0
S&P Global Com 78409V104 119 280 SH   SOLE 0 280 0 0
S&P Global Com 78409V104 266 625 SH   DFND 0 625 0 0
SPDR S & P 500 Trust Unit Ser 1 - ETF Com 78462F103 264 615 SH   SOLE 0 615 0 0
MFC SPDR Series Trust S&P 500 Growth - ETF Com 78464A409 957 14,942 SH   SOLE 0 14,942 0 0
MFC SPDR Series Trust S&P 500 Growth - ETF Com 78464A409 253 3,945 SH   DFND 0 3,945 0 0
Salesforce.Com Inc Com 79466L302 4,311 15,894 SH   SOLE 0 15,894 0 0
Salesforce.Com Inc Com 79466L302 164 604 SH   DFND 0 604 0 0
Select Sector SPDR-Materials - ETF Com 81369Y100 346 4,369 SH   SOLE 0 4,369 0 0
Select Sector SPDR-Materials - ETF Com 81369Y100 11 133 SH   DFND 0 133 0 0
Select Sector SPDR-Health Care - ETF Com 81369Y209 1,866 14,662 SH   SOLE 0 14,662 0 0
Select Sector SPDR-Health Care - ETF Com 81369Y209 57 446 SH   DFND 0 446 0 0
Select Sector SPDR-Consumer Staples - ETF Com 81369Y308 640 9,302 SH   SOLE 0 9,302 0 0
Select Sector SPDR-Consumer Staples - ETF Com 81369Y308 23 328 SH   DFND 0 328 0 0
Select Sector SPDR-Cons. Discretionary - ETF Com 81369Y407 1,704 9,493 SH   SOLE 0 9,493 0 0
Select Sector SPDR-Cons. Discretionary - ETF Com 81369Y407 56 311 SH   DFND 0 311 0 0
Select Sector SPDR-Energy - ETF Com 81369Y506 216 4,151 SH   SOLE 0 4,151 0 0
Select Sector SPDR-Energy - ETF Com 81369Y506 9 164 SH   DFND 0 164 0 0
Select Sector SPDR-Financial - ETF Com 81369Y605 1,528 40,715 SH   SOLE 0 40,715 0 0
Select Sector SPDR-Financial - ETF Com 81369Y605 50 1,335 SH   DFND 0 1,335 0 0
Select Sector SPDR-Industrial - ETF Com 81369Y704 1,009 10,314 SH   SOLE 0 10,314 0 0
Select Sector SPDR-Industrial - ETF Com 81369Y704 34 345 SH   DFND 0 345 0 0
Select Sector SPDR-Technology - ETF Com 81369Y803 3,679 24,638 SH   SOLE 0 24,638 0 0
Select Sector SPDR-Technology - ETF Com 81369Y803 134 900 SH   DFND 0 900 0 0
Select Sector SPDR- Comm Services-ETF Com 81369Y852 1,617 20,185 SH   SOLE 0 20,185 0 0
Select Sector SPDR- Comm Services-ETF Com 81369Y852 29 364 SH   DFND 0 364 0 0
Select Sector SPDR-Real Estate - ETF Com 81369Y860 326 7,336 SH   SOLE 0 7,336 0 0
Select Sector SPDR-Real Estate - ETF Com 81369Y860 10 221 SH   DFND 0 221 0 0
Select Sector SPDR Fund-Utilities - ETF Com 81369Y886 266 4,163 SH   SOLE 0 4,163 0 0
Select Sector SPDR Fund-Utilities - ETF Com 81369Y886 7 113 SH   DFND 0 113 0 0
Service Corp. Intl. Com 817565104 307 5,100 SH   DFND 0 5,100 0 0
Skyworks Solutions, Inc. Com 83088M102 439 2,665 SH   SOLE 0 2,665 0 0
Skyworks Solutions, Inc. Com 83088M102 3 20 SH   DFND 0 20 0 0
Southern Co Com 842587107 772 12,452 SH   SOLE 0 12,452 0 0
Southern Co Com 842587107 29 460 SH   DFND 0 460 0 0
Starbucks Corporation Com 855244109 1,969 17,847 SH   SOLE 0 17,847 0 0
Starbucks Corporation Com 855244109 76 685 SH   DFND 0 685 0 0
State Street Corp. Com 857477103 624 7,365 SH   SOLE 0 7,365 0 0
State Street Corp. Com 857477103 8 100 SH   DFND 0 100 0 0
Stryker Corp Com 863667101 2,735 10,371 SH   SOLE 0 10,371 0 0
Stryker Corp Com 863667101 133 504 SH   DFND 0 504 0 0
TJX Companies Inc. Com 872540109 1,401 21,241 SH   SOLE 0 21,241 0 0
TJX Companies Inc. Com 872540109 85 1,285 SH   DFND 0 1,285 0 0
Target Corp. Com 87612E106 4,213 18,417 SH   SOLE 0 18,417 0 0
Target Corp. Com 87612E106 449 1,961 SH   DFND 0 1,961 0 0
Texas Instruments Inc Com 882508104 211 1,100 SH   SOLE 0 1,100 0 0
Texas Instruments Inc Com 882508104 58 300 SH   DFND 0 300 0 0
Thermo Fisher Scientific Inc Com 883556102 1,393 2,439 SH   SOLE 0 2,439 0 0
Thermo Fisher Scientific Inc Com 883556102 9 15 SH   DFND 0 15 0 0
3M Company Com 88579Y101 2,082 11,867 SH   SOLE 0 11,867 0 0
3M Company Com 88579Y101 208 1,185 SH   DFND 0 1,185 0 0
Toronto Dominion Bank Com 891160509 1,673 25,291 SH   SOLE 0 25,291 0 0
Toronto Dominion Bank Com 891160509 273 4,129 SH   DFND 0 4,129 0 0
The Travelers Companies Inc. Com 89417E109 515 3,389 SH   SOLE 0 3,389 0 0
The Travelers Companies Inc. Com 89417E109 30 200 SH   DFND 0 200 0 0
Truist Financial Corp Com 89832Q109 1,488 25,367 SH   SOLE 0 25,367 0 0
Truist Financial Corp Com 89832Q109 477 8,130 SH   DFND 0 8,130 0 0
US Bancorp Del Com Com 902973304 241 4,062 SH   SOLE 0 4,062 0 0
US Bancorp Del Com Com 902973304 218 3,666 SH   DFND 0 3,666 0 0
Unilever PLC Sponsored ADR New Com 904767704 221 4,075 SH   SOLE 0 4,075 0 0
Unilever PLC Sponsored ADR New Com 904767704 83 1,530 SH   DFND 0 1,530 0 0
Union Pacific Corp Com 907818108 2,009 10,247 SH   SOLE 0 10,247 0 0
Union Pacific Corp Com 907818108 61 311 SH   DFND 0 311 0 0
United Parcel Service Com 911312106 4,270 23,446 SH   SOLE 0 23,436 0 10
United Parcel Service Com 911312106 306 1,679 SH   DFND 0 1,679 0 0
UnitedHealth Group Inc. Com 91324P102 3,391 8,679 SH   SOLE 0 8,674 0 5
UnitedHealth Group Inc. Com 91324P102 120 306 SH   DFND 0 306 0 0
VF Corporation Com 918204108 254 3,788 SH   SOLE 0 3,788 0 0
VF Corporation Com 918204108 20 300 SH   DFND 0 300 0 0
MFC Vaneck ETF TR Com 92189F429 2,301 108,456 SH   SOLE 0 108,456 0 0
MFC Vaneck ETF TR Com 92189F429 271 12,770 SH   DFND 0 12,770 0 0
Vanguard Mega Cap Value ETF Com 921910840 568 5,801 SH   SOLE 0 5,801 0 0
Vanguard Mega Cap Value ETF Com 921910840 195 1,995 SH   DFND 0 1,995 0 0
Vanguard Russell 2000 ETF Com 92206C664 370 4,185 SH   SOLE 0 4,185 0 0
Vanguard Russell 2000 ETF Com 92206C664 6 65 SH   DFND 0 65 0 0
Vanguard Real Estate-ETF Com 922908553 8,956 87,990 SH   SOLE 0 87,990 0 0
Vanguard Real Estate-ETF Com 922908553 435 4,278 SH   DFND 0 4,278 0 0
Vanguard Index Mid-Cap ETF Com 922908629 460 1,942 SH   SOLE 0 1,942 0 0
Vanguard Index Mid-Cap ETF Com 922908629 9 37 SH   DFND 0 37 0 0
Verizon Communications Inc. Com 92343V104 5,084 94,138 SH   SOLE 0 94,088 0 50
Verizon Communications Inc. Com 92343V104 567 10,505 SH   DFND 0 10,505 0 0
Visa, Inc. Com 92826C839 3,838 17,231 SH   SOLE 0 17,231 0 0
Visa, Inc. Com 92826C839 193 867 SH   DFND 0 867 0 0
Vodafone Group PLC-SP ADR Com 92857W308 160 10,356 SH   SOLE 0 10,356 0 0
Vodafone Group PLC-SP ADR Com 92857W308 5 350 SH   DFND 0 350 0 0
Wal-Mart Stores Inc Com 931142103 4,485 32,175 SH   SOLE 0 32,175 0 0
Wal-Mart Stores Inc Com 931142103 520 3,731 SH   DFND 0 3,731 0 0
Walgreens Boots Alliance Inc. Com 931427108 350 7,435 SH   SOLE 0 7,435 0 0
Walgreens Boots Alliance Inc. Com 931427108 4 75 SH   DFND 0 75 0 0
Williams-Sonoma, Inc. Com 969904101 431 2,430 SH   SOLE 0 2,430 0 0
Williams-Sonoma, Inc. Com 969904101 11 60 SH   DFND 0 60 0 0
WisdomTree U.S. Midcap Dividend Fund-ETF Com 97717W505 734 17,718 SH   SOLE 0 17,718 0 0
WisdomTree U.S. Midcap Dividend Fund-ETF Com 97717W505 20 488 SH   DFND 0 488 0 0
WisdomTree U.S. Small Cap Dividend Fund ETF Com 97717W604 541 17,549 SH   SOLE 0 17,549 0 0
WisdomTree U.S. Small Cap Dividend Fund ETF Com 97717W604 16 517 SH   DFND 0 517 0 0
Wisdomtree International Equity Fund ETF Com 97717W703 1,640 31,026 SH   SOLE 0 31,026 0 0
Wisdomtree International Equity Fund ETF Com 97717W703 33 632 SH   DFND 0 632 0 0
Eaton Corp PLC Com G29183103 1,885 12,628 SH   SOLE 0 12,618 0 10
Eaton Corp PLC Com G29183103 594 3,980 SH   DFND 0 3,980 0 0
Linde PLC Com G5494J103 916 3,122 SH   SOLE 0 3,122 0 0
Linde PLC Com G5494J103 43 145 SH   DFND 0 145 0 0
Medtronic Hldg Ltd Com G5960L103 4,004 31,940 SH   SOLE 0 31,940 0 0
Medtronic Hldg Ltd Com G5960L103 137 1,096 SH   DFND 0 1,096 0 0
Chubb Ltd Com H1467J104 2,751 15,858 SH   SOLE 0 15,858 0 0
Chubb Ltd Com H1467J104 178 1,025 SH   DFND 0 1,025 0 0
Check Point Software Com M22465104 348 3,075 SH   SOLE 0 3,075 0 0
Check Point Software Com M22465104 20 180 SH   DFND 0 180 0 0