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 301 8,799 SH   SOLE 0 8,799 0 0
AFLAC, Inc. Com 001055102 14 400 SH   DFND 0 400 0 0
Alerian MLP-ETF Com 00162Q866 130 37,826 SH   SOLE 0 37,826 0 0
Alerian MLP-ETF Com 00162Q866 17 4,825 SH   DFND 0 4,825 0 0
AT&T Inc. Com Com 00206R102 5,193 178,142 SH   SOLE 0 178,077 0 65
AT&T Inc. Com Com 00206R102 566 19,429 SH   DFND 0 19,429 0 0
Abbott Laboratories Com 002824100 899 11,396 SH   SOLE 0 11,396 0 0
Abbott Laboratories Com 002824100 104 1,322 SH   DFND 0 1,322 0 0
AbbVie Inc Com 00287Y109 2,129 27,940 SH   SOLE 0 27,890 0 50
AbbVie Inc Com 00287Y109 326 4,285 SH   DFND 0 4,285 0 0
Adobe Systems Inc. Com 00724F101 590 1,854 SH   SOLE 0 1,854 0 0
Adobe Systems Inc. Com 00724F101 8 25 SH   DFND 0 25 0 0
Air Products & Chemicals Com 009158106 594 2,975 SH   SOLE 0 2,975 0 0
Alibaba Group Holding-SP ADR Com 01609W102 298 1,530 SH   SOLE 0 1,530 0 0
Alphabet Inc Cl C Com 02079K107 744 640 SH   SOLE 0 640 0 0
Alphabet Inc Cl C Com 02079K107 93 80 SH   DFND 0 80 0 0
Alphabet Inc. Cl A Com 02079K305 2,382 2,050 SH   SOLE 0 2,050 0 0
Alphabet Inc. Cl A Com 02079K305 65 56 SH   DFND 0 56 0 0
Altria Group Inc. Com 02209S103 902 23,315 SH   SOLE 0 23,240 0 75
Altria Group Inc. Com 02209S103 68 1,750 SH   DFND 0 1,750 0 0
Amazon.Com, Inc. Com 023135106 2,609 1,338 SH   SOLE 0 1,338 0 0
Amazon.Com, Inc. Com 023135106 240 123 SH   DFND 0 123 0 0
American Express Co Com 025816109 959 11,205 SH   SOLE 0 11,205 0 0
American Express Co Com 025816109 178 2,085 SH   DFND 0 2,085 0 0
Ameriprise Financial, Inc. Com 03076C106 433 4,225 SH   SOLE 0 4,225 0 0
Ameriprise Financial, Inc. Com 03076C106 2 15 SH   DFND 0 15 0 0
Amgen Inc. Com 031162100 1,630 8,041 SH   SOLE 0 8,041 0 0
Amgen Inc. Com 031162100 87 430 SH   DFND 0 430 0 0
Apple, Inc. Com 037833100 9,329 36,686 SH   SOLE 0 36,666 0 20
Apple, Inc. Com 037833100 797 3,135 SH   DFND 0 3,135 0 0
Applied Materials Inc. Com 038222105 1,653 36,069 SH   SOLE 0 36,029 0 40
Applied Materials Inc. Com 038222105 52 1,125 SH   DFND 0 1,125 0 0
Automatic Data Processing Com 053015103 1,070 7,825 SH   SOLE 0 7,825 0 0
Automatic Data Processing Com 053015103 87 640 SH   DFND 0 640 0 0
Bank Of America Corporation Com 060505104 1,319 62,122 SH   SOLE 0 62,122 0 0
Bank Of America Corporation Com 060505104 47 2,214 SH   DFND 0 2,214 0 0
Becton, Dickinson and Co. Com 075887109 457 1,988 SH   SOLE 0 1,988 0 0
Berkshire Hathaway Inc Cl B Com 084670702 612 3,347 SH   SOLE 0 3,327 0 20
Berkshire Hathaway Inc Cl B Com 084670702 7 40 SH   DFND 0 40 0 0
Biogen Inc. Com 09062X103 606 1,914 SH   SOLE 0 1,904 0 10
Biogen Inc. Com 09062X103 8 25 SH   DFND 0 25 0 0
Blackrock Inc Com 09247X101 1,056 2,401 SH   SOLE 0 2,401 0 0
Blackrock Inc Com 09247X101 57 130 SH   DFND 0 130 0 0
Boeing Co Com 097023105 708 4,748 SH   SOLE 0 4,743 0 5
Boeing Co Com 097023105 40 266 SH   DFND 0 266 0 0
Bristol Myers Squibb Co. Com 110122108 2,274 40,796 SH   SOLE 0 40,746 0 50
Bristol Myers Squibb Co. Com 110122108 337 6,045 SH   DFND 0 6,045 0 0
Cigna Corp Com 125523100 230 1,300 SH   SOLE 0 1,300 0 0
CVS Health Corp Com 126650100 1,968 33,166 SH   SOLE 0 33,121 0 45
CVS Health Corp Com 126650100 105 1,772 SH   DFND 0 1,772 0 0
Capital One Financial Corp. Com 14040H105 858 17,010 SH   SOLE 0 17,010 0 0
Capital One Financial Corp. Com 14040H105 36 705 SH   DFND 0 705 0 0
Caterpillar Inc. Com 149123101 855 7,370 SH   SOLE 0 7,370 0 0
Caterpillar Inc. Com 149123101 56 480 SH   DFND 0 480 0 0
Chevron Corp com Com 166764100 1,977 27,287 SH   SOLE 0 27,267 0 20
Chevron Corp com Com 166764100 169 2,338 SH   DFND 0 2,338 0 0
Cisco Systems, Inc. Com 17275R102 2,485 63,205 SH   SOLE 0 63,130 0 75
Cisco Systems, Inc. Com 17275R102 181 4,616 SH   DFND 0 4,616 0 0
Citrix Systems Inc Com 177376100 849 6,001 SH   SOLE 0 6,001 0 0
Citrix Systems Inc Com 177376100 23 160 SH   DFND 0 160 0 0
Coca Cola Com 191216100 1,112 25,135 SH   SOLE 0 25,135 0 0
Coca Cola Com 191216100 508 11,470 SH   DFND 0 11,470 0 0
Cognizant Tech Solutions-A Com 192446102 1,019 21,935 SH   SOLE 0 21,935 0 0
Cognizant Tech Solutions-A Com 192446102 6 135 SH   DFND 0 135 0 0
ComCast Corporation Cl A Com 20030N101 1,214 35,309 SH   SOLE 0 35,239 0 70
ComCast Corporation Cl A Com 20030N101 100 2,910 SH   DFND 0 2,910 0 0
Consolidated Edison Inc. Com 209115104 808 10,361 SH   SOLE 0 10,361 0 0
Consolidated Edison Inc. Com 209115104 374 4,800 SH   DFND 0 4,800 0 0
Corecare Sys Inc Com 218908101 0 10,000 SH   SOLE 0 10,000 0 0
Corteva Inc Com 22052L104 191 8,134 SH   SOLE 0 8,119 0 15
Corteva Inc Com 22052L104 19 792 SH   DFND 0 792 0 0
Costco Wholesale Corporation Com 22160K105 302 1,060 SH   SOLE 0 1,060 0 0
Cummins, Inc. Com 231021106 953 7,044 SH   SOLE 0 7,044 0 0
Cummins, Inc. Com 231021106 20 150 SH   DFND 0 150 0 0
Danaher Corp. Com Com 235851102 481 3,478 SH   SOLE 0 3,478 0 0
Darden Restaurants Inc. Com 237194105 1,026 18,846 SH   SOLE 0 18,846 0 0
Darden Restaurants Inc. Com 237194105 85 1,564 SH   DFND 0 1,564 0 0
Deere & Co. Com 244199105 318 2,300 SH   SOLE 0 2,300 0 0
Deere & Co. Com 244199105 55 400 SH   DFND 0 400 0 0
The Walt Disney Company Com 254687106 2,146 22,219 SH   SOLE 0 22,219 0 0
The Walt Disney Company Com 254687106 126 1,301 SH   DFND 0 1,301 0 0
Dominion Energy Inc. Com 25746U109 1,480 20,495 SH   SOLE 0 20,495 0 0
Dominion Energy Inc. Com 25746U109 126 1,746 SH   DFND 0 1,746 0 0
Dow Inc Com 260557103 344 11,755 SH   SOLE 0 11,740 0 15
Dow Inc Com 260557103 37 1,254 SH   DFND 0 1,254 0 0
Duke Energy Corp Com 26441C204 2,248 27,794 SH   SOLE 0 27,794 0 0
Duke Energy Corp Com 26441C204 168 2,072 SH   DFND 0 2,072 0 0
Dupont De Nemours Inc Com 26614N102 801 23,490 SH   SOLE 0 23,475 0 15
Dupont De Nemours Inc Com 26614N102 74 2,183 SH   DFND 0 2,183 0 0
Emerson Electric Co Com 291011104 504 10,577 SH   SOLE 0 10,577 0 0
Emerson Electric Co Com 291011104 52 1,098 SH   DFND 0 1,098 0 0
Entergy Corp. Com 29364G103 695 7,395 SH   SOLE 0 7,395 0 0
Entergy Corp. Com 29364G103 111 1,180 SH   DFND 0 1,180 0 0
Exelon Corp. Com 30161N101 755 20,511 SH   SOLE 0 20,471 0 40
Exelon Corp. Com 30161N101 97 2,625 SH   DFND 0 2,625 0 0
Exxon Mobil Corporation Com 30231G102 1,748 46,033 SH   SOLE 0 46,033 0 0
Exxon Mobil Corporation Com 30231G102 224 5,904 SH   DFND 0 5,904 0 0
Facebook Inc Com 30303M102 1,464 8,778 SH   SOLE 0 8,778 0 0
Facebook Inc Com 30303M102 36 215 SH   DFND 0 215 0 0
F5 Networks Inc Com 315616102 444 4,161 SH   SOLE 0 4,136 0 25
F5 Networks Inc Com 315616102 18 165 SH   DFND 0 165 0 0
General Electric Co Com 369604103 1,255 158,021 SH   SOLE 0 158,021 0 0
General Electric Co Com 369604103 118 14,905 SH   DFND 0 14,905 0 0
Gilead Sciences, Inc. Com 375558103 2,163 28,932 SH   SOLE 0 28,902 0 30
Gilead Sciences, Inc. Com 375558103 154 2,065 SH   DFND 0 2,065 0 0
Glaxosmithkline Plc Sponsored ADR Com 37733W105 60 1,593 SH   SOLE 0 1,593 0 0
Glaxosmithkline Plc Sponsored ADR Com 37733W105 328 8,650 SH   DFND 0 8,650 0 0
Goldman Sachs Group Inc. Com 38141G104 428 2,767 SH   SOLE 0 2,767 0 0
Goldman Sachs Group Inc. Com 38141G104 4 25 SH   DFND 0 25 0 0
HP Inc. Com 40434L105 199 11,460 SH   SOLE 0 11,460 0 0
HP Inc. Com 40434L105 41 2,385 SH   DFND 0 2,385 0 0
Home Depot, Inc. Com 437076102 1,450 7,765 SH   SOLE 0 7,750 0 15
Home Depot, Inc. Com 437076102 276 1,477 SH   DFND 0 1,477 0 0
Honeywell International Inc. Com 438516106 855 6,393 SH   SOLE 0 6,393 0 0
Honeywell International Inc. Com 438516106 192 1,435 SH   DFND 0 1,435 0 0
Independent Bank Corp Mass Com 453836108 416 6,460 SH   SOLE 0 6,460 0 0
Independent Bank Corp Mass Com 453836108 176 2,735 SH   DFND 0 2,735 0 0
Intel Corp Com 458140100 4,919 90,897 SH   SOLE 0 90,897 0 0
Intel Corp Com 458140100 339 6,269 SH   DFND 0 6,269 0 0
International Business Machines Com 459200101 3,161 28,496 SH   SOLE 0 28,476 0 20
International Business Machines Com 459200101 406 3,663 SH   DFND 0 3,663 0 0
International Paper Com 460146103 828 26,613 SH   SOLE 0 26,613 0 0
International Paper Com 460146103 82 2,624 SH   DFND 0 2,624 0 0
Intuit Inc Com 461202103 652 2,834 SH   SOLE 0 2,834 0 0
Invesco II Pfd-ETF Pfd Stk 46138E511 9,305 707,055 SH   SOLE 0 706,455 0 600
Invesco II Pfd-ETF Pfd Stk 46138E511 592 44,997 SH   DFND 0 44,997 0 0
Iron Mountain Inc. Com 46284V101 240 10,078 SH   DFND 0 10,078 0 0
IShares Edge MSCI Emerging Market ETF Com 464286533 1,649 35,138 SH   SOLE 0 35,138 0 0
IShares Edge MSCI Emerging Market ETF Com 464286533 15 311 SH   DFND 0 311 0 0
iShares Barclays TIPS Bond Fund ETF Com 464287176 533 4,521 SH   SOLE 0 4,521 0 0
iShares Barclays TIPS Bond Fund ETF Com 464287176 103 875 SH   DFND 0 875 0 0
iShares S&P 500 Index - ETF Com 464287200 571 2,209 SH   SOLE 0 2,209 0 0
Ishares Core U.S. Aggregate-ETF Com 464287226 8,965 77,703 SH   SOLE 0 77,703 0 0
Ishares Core U.S. Aggregate-ETF Com 464287226 155 1,344 SH   DFND 0 1,344 0 0
iShares MSCI EAFE Index - ETF Com 464287465 283 5,297 SH   SOLE 0 5,297 0 0
iShares MSCI EAFE Index - ETF Com 464287465 73 1,372 SH   DFND 0 1,372 0 0
IShares Tr Short-Term Corp Bd-ETF Com 464288646 2,905 55,481 SH   SOLE 0 55,481 0 0
IShares Tr Short-Term Corp Bd-ETF Com 464288646 30 580 SH   DFND 0 580 0 0
JPMorgan Chase & Company Com 46625H100 4,182 46,452 SH   SOLE 0 46,427 0 25
JPMorgan Chase & Company Com 46625H100 485 5,385 SH   DFND 0 5,385 0 0
Johnson & Johnson Com 478160104 3,226 24,604 SH   SOLE 0 24,604 0 0
Johnson & Johnson Com 478160104 425 3,241 SH   DFND 0 3,241 0 0
Kimberly-Clark Corp Com 494368103 2,282 17,848 SH   SOLE 0 17,848 0 0
Kimberly-Clark Corp Com 494368103 205 1,605 SH   DFND 0 1,605 0 0
Lilly, Eli & Co Com 532457108 1,864 13,436 SH   SOLE 0 13,436 0 0
Lilly, Eli & Co Com 532457108 174 1,255 SH   DFND 0 1,255 0 0
Lockheed Martin Corporation Com 539830109 1,307 3,857 SH   SOLE 0 3,857 0 0
Lockheed Martin Corporation Com 539830109 80 235 SH   DFND 0 235 0 0
Lowe's Companies, Inc. Com 548661107 2,419 28,114 SH   SOLE 0 28,094 0 20
Lowe's Companies, Inc. Com 548661107 98 1,140 SH   DFND 0 1,140 0 0
Maxim Integrated Com Com 57772K101 240 4,945 SH   SOLE 0 4,945 0 0
Maxim Integrated Com Com 57772K101 17 340 SH   DFND 0 340 0 0
McDonald's Corp. Com 580135101 2,136 12,920 SH   SOLE 0 12,920 0 0
McDonald's Corp. Com 580135101 220 1,328 SH   DFND 0 1,328 0 0
Merck & Co. Inc. Com 58933Y105 2,617 34,016 SH   SOLE 0 34,016 0 0
Merck & Co. Inc. Com 58933Y105 307 3,986 SH   DFND 0 3,986 0 0
MetLife Inc. Com Com 59156R108 349 11,412 SH   SOLE 0 11,412 0 0
MetLife Inc. Com Com 59156R108 16 535 SH   DFND 0 535 0 0
Microsoft Corp Com 594918104 7,797 49,442 SH   SOLE 0 49,442 0 0
Microsoft Corp Com 594918104 750 4,753 SH   DFND 0 4,753 0 0
Microchip Technology Inc. Com 595017104 1,104 16,276 SH   SOLE 0 16,251 0 25
Microchip Technology Inc. Com 595017104 93 1,379 SH   DFND 0 1,379 0 0
National Grid Plc-SP ADR Com 636274409 802 13,771 SH   SOLE 0 13,771 0 0
National Grid Plc-SP ADR Com 636274409 94 1,605 SH   DFND 0 1,605 0 0
NextEra Energy Inc. Com 65339F101 2,879 11,964 SH   SOLE 0 11,956 0 8
NextEra Energy Inc. Com 65339F101 282 1,171 SH   DFND 0 1,171 0 0
Nike Inc. Class B Com 654106103 1,422 17,182 SH   SOLE 0 17,182 0 0
Nike Inc. Class B Com 654106103 42 505 SH   DFND 0 505 0 0
Novartis AG Sponsored ADR Com 66987V109 528 6,398 SH   SOLE 0 6,398 0 0
Novartis AG Sponsored ADR Com 66987V109 30 360 SH   DFND 0 360 0 0
Nucor Corporation Com 670346105 540 14,990 SH   SOLE 0 14,990 0 0
Nucor Corporation Com 670346105 41 1,130 SH   DFND 0 1,130 0 0
Oracle Corp. Com 68389X105 885 18,320 SH   SOLE 0 18,320 0 0
Oracle Corp. Com 68389X105 28 575 SH   DFND 0 575 0 0
PPL Corporation Com 69351T106 290 11,755 SH   SOLE 0 11,755 0 0
PPL Corporation Com 69351T106 15 625 SH   DFND 0 625 0 0
Pepsico Inc Com 713448108 2,189 18,227 SH   SOLE 0 18,227 0 0
Pepsico Inc Com 713448108 249 2,075 SH   DFND 0 2,075 0 0
Pfizer, Inc Com 717081103 3,174 97,251 SH   SOLE 0 97,251 0 0
Pfizer, Inc Com 717081103 419 12,851 SH   DFND 0 12,851 0 0
Philip Morris Intl Inc. Com 718172109 687 9,416 SH   SOLE 0 9,416 0 0
Philip Morris Intl Inc. Com 718172109 9 125 SH   DFND 0 125 0 0
T Rowe Price Group Inc Com 74144T108 1,115 11,420 SH   SOLE 0 11,420 0 0
T Rowe Price Group Inc Com 74144T108 60 615 SH   DFND 0 615 0 0
Principal Financial Group Inc. Com 74251V102 511 16,310 SH   SOLE 0 16,310 0 0
Principal Financial Group Inc. Com 74251V102 42 1,355 SH   DFND 0 1,355 0 0
Procter & Gamble Co Com 742718109 3,831 34,828 SH   SOLE 0 34,828 0 0
Procter & Gamble Co Com 742718109 419 3,809 SH   DFND 0 3,809 0 0
Public Storage Com 74460D109 971 4,888 SH   SOLE 0 4,888 0 0
Public Storage Com 74460D109 18 90 SH   DFND 0 90 0 0
Qualcomm Inc Com 747525103 1,836 27,145 SH   SOLE 0 27,145 0 0
Qualcomm Inc Com 747525103 149 2,200 SH   DFND 0 2,200 0 0
Raytheon Company Com 755111507 309 2,355 SH   SOLE 0 2,355 0 0
Raytheon Company Com 755111507 33 250 SH   DFND 0 250 0 0
S&P Global Com 78409V104 105 430 SH   SOLE 0 430 0 0
S&P Global Com 78409V104 274 1,120 SH   DFND 0 1,120 0 0
MFC SPDR Series Trust S&P 500 Growth - ETF Com 78464A409 636 17,799 SH   SOLE 0 17,799 0 0
MFC SPDR Series Trust S&P 500 Growth - ETF Com 78464A409 172 4,820 SH   DFND 0 4,820 0 0
Salesforce.Com Inc Com 79466L302 698 4,845 SH   SOLE 0 4,845 0 0
Salesforce.Com Inc Com 79466L302 13 90 SH   DFND 0 90 0 0
Select Sector SPDR-Materials - ETF Com 81369Y100 198 4,388 SH   SOLE 0 4,388 0 0
Select Sector SPDR-Materials - ETF Com 81369Y100 7 147 SH   DFND 0 147 0 0
Select Sector SPDR-Health Care - ETF Com 81369Y209 1,177 13,292 SH   SOLE 0 13,292 0 0
Select Sector SPDR-Health Care - ETF Com 81369Y209 41 464 SH   DFND 0 464 0 0
Select Sector SPDR-Consumer Staples - ETF Com 81369Y308 648 11,891 SH   SOLE 0 11,891 0 0
Select Sector SPDR-Consumer Staples - ETF Com 81369Y308 23 414 SH   DFND 0 414 0 0
Select Sector SPDR-Cons. Discretionary - ETF Com 81369Y407 764 7,793 SH   SOLE 0 7,793 0 0
Select Sector SPDR-Cons. Discretionary - ETF Com 81369Y407 30 303 SH   DFND 0 303 0 0
Select Sector SPDR-Financial - ETF Com 81369Y605 919 44,133 SH   SOLE 0 44,133 0 0
Select Sector SPDR-Financial - ETF Com 81369Y605 32 1,532 SH   DFND 0 1,532 0 0
Select Sector SPDR-Industrial - ETF Com 81369Y704 636 10,785 SH   SOLE 0 10,785 0 0
Select Sector SPDR-Industrial - ETF Com 81369Y704 23 385 SH   DFND 0 385 0 0
Select Sector SPDR-Technology - ETF Com 81369Y803 1,888 23,492 SH   SOLE 0 23,492 0 0
Select Sector SPDR-Technology - ETF Com 81369Y803 77 954 SH   DFND 0 954 0 0
Select Sector SPDR- Comm Services-ETF Com 81369Y852 896 20,253 SH   SOLE 0 20,253 0 0
Select Sector SPDR- Comm Services-ETF Com 81369Y852 19 434 SH   DFND 0 434 0 0
Select Sector SPDR-Real Estate - ETF Com 81369Y860 216 6,959 SH   SOLE 0 6,959 0 0
Select Sector SPDR-Real Estate - ETF Com 81369Y860 7 237 SH   DFND 0 237 0 0
Select Sector SPDR Fund-Utilities - ETF Com 81369Y886 234 4,216 SH   SOLE 0 4,216 0 0
Select Sector SPDR Fund-Utilities - ETF Com 81369Y886 7 126 SH   DFND 0 126 0 0
Service Corp. Intl. Com 817565104 323 8,250 SH   DFND 0 8,250 0 0
Skyworks Solutions, Inc. Com 83088M102 397 4,445 SH   SOLE 0 4,445 0 0
Skyworks Solutions, Inc. Com 83088M102 15 170 SH   DFND 0 170 0 0
J.M. Smucker Company Com 832696405 790 7,120 SH   SOLE 0 7,105 0 15
J.M. Smucker Company Com 832696405 65 590 SH   DFND 0 590 0 0
Southern Co Com 842587107 980 18,108 SH   SOLE 0 18,108 0 0
Southern Co Com 842587107 26 485 SH   DFND 0 485 0 0
Starbucks Corporation Com 855244109 1,571 23,904 SH   SOLE 0 23,869 0 35
Starbucks Corporation Com 855244109 29 445 SH   DFND 0 445 0 0
State Street Corp. Com 857477103 693 13,000 SH   SOLE 0 13,000 0 0
State Street Corp. Com 857477103 5 100 SH   DFND 0 100 0 0
Stryker Corp Com 863667101 689 4,138 SH   SOLE 0 4,138 0 0
Stryker Corp Com 863667101 28 170 SH   DFND 0 170 0 0
Sysco Corp Com 871829107 193 4,240 SH   SOLE 0 4,240 0 0
Sysco Corp Com 871829107 28 620 SH   DFND 0 620 0 0
TJX Companies Inc. Com 872540109 1,105 23,106 SH   SOLE 0 23,106 0 0
TJX Companies Inc. Com 872540109 40 835 SH   DFND 0 835 0 0
Target Corp. Com 87612E106 1,992 21,425 SH   SOLE 0 21,425 0 0
Target Corp. Com 87612E106 207 2,225 SH   DFND 0 2,225 0 0
3M Company Com 88579Y101 239 1,751 SH   SOLE 0 1,751 0 0
3M Company Com 88579Y101 82 600 SH   DFND 0 600 0 0
Toronto Dominion Bank Com 891160509 1,195 28,182 SH   SOLE 0 28,182 0 0
Toronto Dominion Bank Com 891160509 173 4,074 SH   DFND 0 4,074 0 0
The Travelers Companies Inc. Com 89417E109 478 4,808 SH   SOLE 0 4,808 0 0
The Travelers Companies Inc. Com 89417E109 40 400 SH   DFND 0 400 0 0
Truist Financial Corp Com 89832Q109 794 25,735 SH   SOLE 0 25,735 0 0
Truist Financial Corp Com 89832Q109 271 8,802 SH   DFND 0 8,802 0 0
US Bancorp Del Com Com 902973304 288 8,372 SH   SOLE 0 8,372 0 0
US Bancorp Del Com Com 902973304 123 3,580 SH   DFND 0 3,580 0 0
Unilever PLC Sponsored ADR New Com 904767704 239 4,720 SH   SOLE 0 4,720 0 0
Unilever PLC Sponsored ADR New Com 904767704 22 430 SH   DFND 0 430 0 0
Union Pacific Corp Com 907818108 1,065 7,553 SH   SOLE 0 7,553 0 0
Union Pacific Corp Com 907818108 37 265 SH   DFND 0 265 0 0
United Parcel Service Com 911312106 2,708 28,986 SH   SOLE 0 28,961 0 25
United Parcel Service Com 911312106 177 1,900 SH   DFND 0 1,900 0 0
UPS Class A Directed Com 911312205 238 2,552 SH   SOLE 0 2,552 0 0
United Technologies Corp. OLD Com 913017109 1,241 13,153 SH   SOLE 0 13,143 0 10
United Technologies Corp. OLD Com 913017109 66 695 SH   DFND 0 695 0 0
UnitedHealth Group Inc. Com 91324P102 1,475 5,913 SH   SOLE 0 5,913 0 0
UnitedHealth Group Inc. Com 91324P102 17 70 SH   DFND 0 70 0 0
VF Corporation Com 918204108 387 7,149 SH   SOLE 0 7,149 0 0
VF Corporation Com 918204108 22 400 SH   DFND 0 400 0 0
MFC Vaneck Vectors ETF Trust Com 92189F429 3,951 239,457 SH   SOLE 0 239,457 0 0
MFC Vaneck Vectors ETF Trust Com 92189F429 265 16,054 SH   DFND 0 16,054 0 0
Vanguard Mega Cap Value ETF Com 921910840 404 6,121 SH   SOLE 0 6,121 0 0
Vanguard Mega Cap Value ETF Com 921910840 125 1,890 SH   DFND 0 1,890 0 0
Vanguard Real Estate-ETF Com 922908553 6,606 94,574 SH   SOLE 0 94,574 0 0
Vanguard Real Estate-ETF Com 922908553 258 3,700 SH   DFND 0 3,700 0 0
Verizon Communications Inc. Com 92343V104 4,944 92,007 SH   SOLE 0 91,957 0 50
Verizon Communications Inc. Com 92343V104 548 10,195 SH   DFND 0 10,195 0 0
Visa, Inc. Com 92826C839 730 4,533 SH   SOLE 0 4,533 0 0
Visa, Inc. Com 92826C839 81 500 SH   DFND 0 500 0 0
Vodafone Group PLC-SP ADR Com 92857W308 354 25,744 SH   SOLE 0 25,744 0 0
Vodafone Group PLC-SP ADR Com 92857W308 14 1,050 SH   DFND 0 1,050 0 0
Wal-Mart Stores Inc Com 931142103 2,340 20,598 SH   SOLE 0 20,598 0 0
Wal-Mart Stores Inc Com 931142103 332 2,922 SH   DFND 0 2,922 0 0
Walgreens Boots Alliance Inc. Com 931427108 504 11,019 SH   SOLE 0 11,019 0 0
Walgreens Boots Alliance Inc. Com 931427108 3 75 SH   DFND 0 75 0 0
Wells Fargo Company Com 949746101 225 7,845 SH   SOLE 0 7,845 0 0
Wells Fargo Company Com 949746101 34 1,175 SH   DFND 0 1,175 0 0
Williams-Sonoma, Inc. Com 969904101 306 7,189 SH   SOLE 0 7,189 0 0
Williams-Sonoma, Inc. Com 969904101 4 90 SH   DFND 0 90 0 0
Wisdomtree U.S. Large Cap Dividend Fund-ETF Com 97717W307 439 5,421 SH   SOLE 0 5,421 0 0
Wisdomtree U.S. Large Cap Dividend Fund-ETF Com 97717W307 125 1,550 SH   DFND 0 1,550 0 0
WisdomTree U.S. Midcap Dividend Fund-ETF Com 97717W505 1,120 46,363 SH   SOLE 0 46,363 0 0
WisdomTree U.S. Midcap Dividend Fund-ETF Com 97717W505 35 1,439 SH   DFND 0 1,439 0 0
WisdomTree U.S. Small Cap Dividend Fund ETF Com 97717W604 820 45,480 SH   SOLE 0 45,480 0 0
WisdomTree U.S. Small Cap Dividend Fund ETF Com 97717W604 20 1,108 SH   DFND 0 1,108 0 0
Wisdomtree International Equity Fund ETF Com 97717W703 4,142 104,878 SH   SOLE 0 104,878 0 0
Wisdomtree International Equity Fund ETF Com 97717W703 92 2,326 SH   DFND 0 2,326 0 0
Eaton Corp PLC Com G29183103 1,558 20,054 SH   SOLE 0 20,054 0 0
Eaton Corp PLC Com G29183103 328 4,221 SH   DFND 0 4,221 0 0
Invesco Ltd Com G491BT108 331 36,479 SH   SOLE 0 36,379 0 100
Invesco Ltd Com G491BT108 37 4,110 SH   DFND 0 4,110 0 0
Medtronic Hldg Ltd Com G5960L103 1,320 14,633 SH   SOLE 0 14,633 0 0
Medtronic Hldg Ltd Com G5960L103 39 431 SH   DFND 0 431 0 0
Chubb Ltd Com H1467J104 589 5,275 SH   SOLE 0 5,275 0 0
Chubb Ltd Com H1467J104 39 345 SH   DFND 0 345 0 0
Check Point Software Com M22465104 733 7,287 SH   SOLE 0 7,287 0 0
Check Point Software Com M22465104 8 80 SH   DFND 0 80 0 0