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 598 10,904 SH   SOLE 0 10,904 0 0
AFLAC, Inc. Com 001055102 66 1,200 SH   DFND 0 1,200 0 0
Alerian MLP-ETF Com 00162Q866 436 44,263 SH   SOLE 0 44,263 0 0
Alerian MLP-ETF Com 00162Q866 52 5,325 SH   DFND 0 5,325 0 0
AT&T Inc. Com Com 00206R102 6,389 190,657 SH   SOLE 0 190,592 0 65
AT&T Inc. Com Com 00206R102 873 26,054 SH   DFND 0 26,054 0 0
Abbott Laboratories Com 002824100 966 11,481 SH   SOLE 0 11,481 0 0
Abbott Laboratories Com 002824100 90 1,067 SH   DFND 0 1,067 0 0
AbbVie Inc Com 00287Y109 2,532 34,822 SH   SOLE 0 34,772 0 50
AbbVie Inc Com 00287Y109 412 5,665 SH   DFND 0 5,665 0 0
Air Products & Chemicals Com 009158106 757 3,344 SH   SOLE 0 3,344 0 0
Alliance Data Systems Corp Com 018581108 579 4,130 SH   SOLE 0 4,130 0 0
Alliance Data Systems Corp Com 018581108 7 50 SH   DFND 0 50 0 0
Alphabet Inc Cl C Com 02079K107 690 638 SH   SOLE 0 638 0 0
Alphabet Inc Cl C Com 02079K107 86 80 SH   DFND 0 80 0 0
Alphabet Inc. Cl A Com 02079K305 2,211 2,042 SH   SOLE 0 2,042 0 0
Alphabet Inc. Cl A Com 02079K305 61 56 SH   DFND 0 56 0 0
Altria Group Inc. Com 02209S103 1,817 38,377 SH   SOLE 0 38,302 0 75
Altria Group Inc. Com 02209S103 230 4,851 SH   DFND 0 4,851 0 0
Amazon.Com, Inc. Com 023135106 595 314 SH   SOLE 0 314 0 0
Amazon.Com, Inc. Com 023135106 138 73 SH   DFND 0 73 0 0
American Express Co Com 025816109 1,192 9,653 SH   SOLE 0 9,653 0 0
American Express Co Com 025816109 929 7,525 SH   DFND 0 7,525 0 0
Ameriprise Financial, Inc. Com 03076C106 676 4,660 SH   SOLE 0 4,660 0 0
Ameriprise Financial, Inc. Com 03076C106 31 215 SH   DFND 0 215 0 0
Amgen Inc. Com 031162100 1,794 9,733 SH   SOLE 0 9,733 0 0
Amgen Inc. Com 031162100 98 530 SH   DFND 0 530 0 0
Apple, Inc. Com 037833100 8,979 45,369 SH   SOLE 0 45,339 0 30
Apple, Inc. Com 037833100 644 3,255 SH   DFND 0 3,255 0 0
Applied Materials Inc. Com 038222105 2,163 48,152 SH   SOLE 0 48,112 0 40
Applied Materials Inc. Com 038222105 50 1,110 SH   DFND 0 1,110 0 0
Automatic Data Processing Com 053015103 1,371 8,295 SH   SOLE 0 8,295 0 0
Automatic Data Processing Com 053015103 118 715 SH   DFND 0 715 0 0
BB&T Corp. com Com 054937107 1,550 31,555 SH   SOLE 0 31,555 0 0
BB&T Corp. com Com 054937107 81 1,647 SH   DFND 0 1,647 0 0
BB&T Corporation 5.2 12/31/49 Pfd Pfd Stk 054937800 1,796 71,836 SH   SOLE 0 71,836 0 0
BB&T Corporation 5.2 12/31/49 Pfd Pfd Stk 054937800 53 2,120 SH   DFND 0 2,120 0 0
Bank Of America Corporation Com 060505104 988 34,077 SH   SOLE 0 34,077 0 0
Bank Of America Corporation Com 060505104 58 2,005 SH   DFND 0 2,005 0 0
Bank of NY Mellon 5.2 12/31/49 Pfd Pfd Stk 064058209 1,576 62,422 SH   SOLE 0 62,422 0 0
Bank of NY Mellon 5.2 12/31/49 Pfd Pfd Stk 064058209 40 1,600 SH   DFND 0 1,600 0 0
Becton, Dickinson and Co. Com 075887109 524 2,078 SH   SOLE 0 2,078 0 0
Berkshire Hathaway Inc Cl B Com 084670702 243 1,140 SH   SOLE 0 1,115 0 25
Berkshire Hills Bancorp Inc Com 084680107 216 6,892 SH   SOLE 0 6,892 0 0
BHP Group Limited Spon ADR Com 088606108 377 6,489 SH   SOLE 0 6,489 0 0
BHP Group Limited Spon ADR Com 088606108 3 60 SH   DFND 0 60 0 0
Biogen Inc. Com 09062X103 1,333 5,701 SH   SOLE 0 5,691 0 10
Biogen Inc. Com 09062X103 6 25 SH   DFND 0 25 0 0
Blackrock Inc Com 09247X101 1,402 2,988 SH   SOLE 0 2,988 0 0
Blackrock Inc Com 09247X101 61 130 SH   DFND 0 130 0 0
Boeing Co Com 097023105 3,258 8,951 SH   SOLE 0 8,941 0 10
Boeing Co Com 097023105 210 576 SH   DFND 0 576 0 0
Bristol Myers Squibb Co. Com 110122108 1,790 39,478 SH   SOLE 0 39,428 0 50
Bristol Myers Squibb Co. Com 110122108 286 6,305 SH   DFND 0 6,305 0 0
Cigna Corp Com 125523100 202 1,285 SH   SOLE 0 1,285 0 0
CVS Health Corp Com 126650100 1,851 33,962 SH   SOLE 0 33,917 0 45
CVS Health Corp Com 126650100 91 1,667 SH   DFND 0 1,667 0 0
Capital One Financial Corp. Com 14040H105 1,726 19,025 SH   SOLE 0 19,025 0 0
Capital One Financial Corp. Com 14040H105 60 665 SH   DFND 0 665 0 0
Capital One Preferred 5.2 - Series G Pfd Stk 14040H865 998 39,780 SH   SOLE 0 39,780 0 0
Capital One Preferred 5.2 - Series G Pfd Stk 14040H865 3 100 SH   DFND 0 100 0 0
Carnival Corp Com 143658300 1,059 22,751 SH   SOLE 0 22,751 0 0
Carnival Corp Com 143658300 52 1,115 SH   DFND 0 1,115 0 0
Caterpillar Inc. Com 149123101 1,020 7,484 SH   SOLE 0 7,484 0 0
Caterpillar Inc. Com 149123101 27 200 SH   DFND 0 200 0 0
Chevron Corp com Com 166764100 3,700 29,730 SH   SOLE 0 29,690 0 40
Chevron Corp com Com 166764100 300 2,413 SH   DFND 0 2,413 0 0
Cisco Systems, Inc. Com 17275R102 3,614 66,025 SH   SOLE 0 65,950 0 75
Cisco Systems, Inc. Com 17275R102 248 4,536 SH   DFND 0 4,536 0 0
Citrix Systems Inc Com 177376100 690 7,031 SH   SOLE 0 7,031 0 0
Citrix Systems Inc Com 177376100 16 160 SH   DFND 0 160 0 0
Coca Cola Com 191216100 1,350 26,520 SH   SOLE 0 26,520 0 0
Coca Cola Com 191216100 897 17,620 SH   DFND 0 17,620 0 0
Cognizant Tech Solutions-A Com 192446102 1,524 24,035 SH   SOLE 0 24,035 0 0
Cognizant Tech Solutions-A Com 192446102 21 325 SH   DFND 0 325 0 0
ComCast Corporation Cl A Com 20030N101 1,650 39,017 SH   SOLE 0 38,947 0 70
ComCast Corporation Cl A Com 20030N101 127 3,000 SH   DFND 0 3,000 0 0
ConocoPhillips Com 20825C104 255 4,179 SH   SOLE 0 4,179 0 0
ConocoPhillips Com 20825C104 642 10,517 SH   DFND 0 10,517 0 0
Consolidated Edison Inc. Com 209115104 928 10,586 SH   SOLE 0 10,586 0 0
Consolidated Edison Inc. Com 209115104 419 4,775 SH   DFND 0 4,775 0 0
Corteva Inc Com 22052L104 440 14,895 SH   SOLE 0 14,880 0 15
Corteva Inc Com 22052L104 47 1,591 SH   DFND 0 1,591 0 0
Costco Wholesale Corporation Com 22160K105 328 1,240 SH   SOLE 0 1,240 0 0
Costco Wholesale Corporation Com 22160K105 21 80 SH   DFND 0 80 0 0
Cummins, Inc. Com 231021106 1,287 7,509 SH   SOLE 0 7,509 0 0
Cummins, Inc. Com 231021106 26 150 SH   DFND 0 150 0 0
Danaher Corp. Com Com 235851102 550 3,846 SH   SOLE 0 3,846 0 0
Darden Restaurants Inc. Com 237194105 1,993 16,371 SH   SOLE 0 16,371 0 0
Darden Restaurants Inc. Com 237194105 184 1,514 SH   DFND 0 1,514 0 0
Deere & Co. Com 244199105 379 2,285 SH   SOLE 0 2,285 0 0
Deere & Co. Com 244199105 66 400 SH   DFND 0 400 0 0
The Walt Disney Company Com 254687106 2,916 20,881 SH   SOLE 0 20,881 0 0
The Walt Disney Company Com 254687106 154 1,101 SH   DFND 0 1,101 0 0
Dominion Energy Inc. Com 25746U109 1,639 21,203 SH   SOLE 0 21,203 0 0
Dominion Energy Inc. Com 25746U109 258 3,336 SH   DFND 0 3,336 0 0
Dow Inc Com 260557103 755 15,316 SH   SOLE 0 15,301 0 15
Dow Inc Com 260557103 88 1,786 SH   DFND 0 1,786 0 0
Duke Energy Corp Com 26441C204 2,248 25,481 SH   SOLE 0 25,481 0 0
Duke Energy Corp Com 26441C204 290 3,292 SH   DFND 0 3,292 0 0
Duke Energy Corp 5.125 01/15/73 Pfd Pfd Stk 26441C303 356 14,100 SH   SOLE 0 14,100 0 0
Duke Energy Corp 5.125 01/15/73 Pfd Pfd Stk 26441C303 9 350 SH   DFND 0 350 0 0
Dupont De Nemours Inc Com 26614N102 1,119 14,901 SH   SOLE 0 14,886 0 15
Dupont De Nemours Inc Com 26614N102 138 1,841 SH   DFND 0 1,841 0 0
Ecolab Inc Com Com 278865100 17 85 SH   SOLE 0 85 0 0
Ecolab Inc Com Com 278865100 708 3,587 SH   DFND 0 3,587 0 0
Emerson Electric Co Com 291011104 350 5,252 SH   SOLE 0 5,252 0 0
Emerson Electric Co Com 291011104 73 1,098 SH   DFND 0 1,098 0 0
Entergy Corp. Com 29364G103 791 7,683 SH   SOLE 0 7,683 0 0
Entergy Corp. Com 29364G103 249 2,420 SH   DFND 0 2,420 0 0
Exelon Corp. Com 30161N101 1,023 21,331 SH   SOLE 0 21,291 0 40
Exelon Corp. Com 30161N101 117 2,435 SH   DFND 0 2,435 0 0
Exxon Mobil Corporation Com 30231G102 3,775 49,266 SH   SOLE 0 49,266 0 0
Exxon Mobil Corporation Com 30231G102 455 5,939 SH   DFND 0 5,939 0 0
Facebook Inc Com 30303M102 1,059 5,488 SH   SOLE 0 5,488 0 0
Facebook Inc Com 30303M102 15 80 SH   DFND 0 80 0 0
F5 Networks Inc Com 315616102 877 6,019 SH   SOLE 0 5,994 0 25
F5 Networks Inc Com 315616102 33 225 SH   DFND 0 225 0 0
General Electric Co Com 369604103 1,709 162,722 SH   SOLE 0 162,722 0 0
General Electric Co Com 369604103 224 21,350 SH   DFND 0 21,350 0 0
Gilead Sciences, Inc. Com 375558103 2,679 39,651 SH   SOLE 0 39,621 0 30
Gilead Sciences, Inc. Com 375558103 183 2,710 SH   DFND 0 2,710 0 0
Glaxosmithkline Plc Sponsored ADR Com 37733W105 73 1,818 SH   SOLE 0 1,818 0 0
Glaxosmithkline Plc Sponsored ADR Com 37733W105 346 8,650 SH   DFND 0 8,650 0 0
Goldman Sachs Group Inc. Com 38141G104 530 2,592 SH   SOLE 0 2,592 0 0
Goldman Sachs Group Inc. Com 38141G104 9 45 SH   DFND 0 45 0 0
HCP Inc. Com REIT Com 40414L109 1,116 34,903 SH   SOLE 0 34,903 0 0
HCP Inc. Com REIT Com 40414L109 28 875 SH   DFND 0 875 0 0
HP Inc. Com 40434L105 288 13,840 SH   SOLE 0 13,840 0 0
HP Inc. Com 40434L105 56 2,685 SH   DFND 0 2,685 0 0
Home Depot, Inc. Com 437076102 1,764 8,483 SH   SOLE 0 8,468 0 15
Home Depot, Inc. Com 437076102 369 1,775 SH   DFND 0 1,775 0 0
Honeywell International Inc. Com 438516106 533 3,055 SH   SOLE 0 3,055 0 0
Honeywell International Inc. Com 438516106 255 1,460 SH   DFND 0 1,460 0 0
Independent Bank Corp Mass Com 453836108 511 6,710 SH   SOLE 0 6,710 0 0
Independent Bank Corp Mass Com 453836108 239 3,144 SH   DFND 0 3,144 0 0
Intel Corp Com 458140100 4,896 102,270 SH   SOLE 0 102,270 0 0
Intel Corp Com 458140100 341 7,114 SH   DFND 0 7,114 0 0
International Business Machines Com 459200101 3,587 26,011 SH   SOLE 0 25,991 0 20
International Business Machines Com 459200101 711 5,158 SH   DFND 0 5,158 0 0
International Paper Com 460146103 1,101 25,419 SH   SOLE 0 25,419 0 0
International Paper Com 460146103 213 4,924 SH   DFND 0 4,924 0 0
Intuit Inc Com 461202103 782 2,991 SH   SOLE 0 2,991 0 0
Invesco S&P SmallCap 600 Pure Growth-ETF Com 46137V175 254 2,288 SH   SOLE 0 2,288 0 0
Invesco II Pfd-ETF Pfd Stk 46138E511 10,289 703,273 SH   SOLE 0 702,673 0 600
Invesco II Pfd-ETF Pfd Stk 46138E511 632 43,212 SH   DFND 0 43,212 0 0
Iron Mountain Inc. Com 46284V101 334 10,678 SH   DFND 0 10,678 0 0
IShares Edge MSCI Emerging Market ETF Com 464286533 1,700 28,888 SH   SOLE 0 28,888 0 0
IShares Edge MSCI Emerging Market ETF Com 464286533 14 240 SH   DFND 0 240 0 0
iShares Barclays TIPS Bond Fund ETF Com 464287176 541 4,686 SH   SOLE 0 4,686 0 0
iShares Barclays TIPS Bond Fund ETF Com 464287176 101 875 SH   DFND 0 875 0 0
iShares S&P 500 Index - ETF Com 464287200 2,028 6,880 SH   SOLE 0 6,880 0 0
Ishares Core U.S. Aggregate-ETF Com 464287226 8,429 75,696 SH   SOLE 0 75,696 0 0
Ishares Core U.S. Aggregate-ETF Com 464287226 129 1,156 SH   DFND 0 1,156 0 0
iShares MSCI EAFE Index - ETF Com 464287465 376 5,715 SH   SOLE 0 5,715 0 0
iShares MSCI EAFE Index - ETF Com 464287465 90 1,372 SH   DFND 0 1,372 0 0
JPMorgan Chase & Company Com 46625H100 5,833 52,177 SH   SOLE 0 52,152 0 25
JPMorgan Chase & Company Com 46625H100 940 8,410 SH   DFND 0 8,410 0 0
JPMorgan Chase Prf Stock 5.45 Series P Pfd Stk 46637G124 325 12,655 SH   SOLE 0 12,655 0 0
JPMorgan Chase Prf Stock 5.45 Series P Pfd Stk 46637G124 3 100 SH   DFND 0 100 0 0
Johnson & Johnson Com 478160104 3,674 26,377 SH   SOLE 0 26,377 0 0
Johnson & Johnson Com 478160104 520 3,736 SH   DFND 0 3,736 0 0
JPMorgan Chase Preferred 6.3- Series E Pfd Stk 481246700 346 13,365 SH   SOLE 0 13,365 0 0
JPMorgan Chase Preferred 6.3- Series E Pfd Stk 481246700 14 550 SH   DFND 0 550 0 0
Kimberly-Clark Corp Com 494368103 2,557 19,183 SH   SOLE 0 19,183 0 0
Kimberly-Clark Corp Com 494368103 362 2,715 SH   DFND 0 2,715 0 0
Lilly, Eli & Co Com 532457108 1,649 14,881 SH   SOLE 0 14,881 0 0
Lilly, Eli & Co Com 532457108 137 1,235 SH   DFND 0 1,235 0 0
Lockheed Martin Corporation Com 539830109 1,332 3,664 SH   SOLE 0 3,664 0 0
Lockheed Martin Corporation Com 539830109 84 230 SH   DFND 0 230 0 0
Lowe's Companies, Inc. Com 548661107 3,178 31,496 SH   SOLE 0 31,456 0 40
Lowe's Companies, Inc. Com 548661107 121 1,195 SH   DFND 0 1,195 0 0
M&T Bank Corporation Com 55261F104 791 4,650 SH   DFND 0 4,650 0 0
Maxim Integrated Com Com 57772K101 380 6,350 SH   SOLE 0 6,350 0 0
Maxim Integrated Com Com 57772K101 20 340 SH   DFND 0 340 0 0
McDonald's Corp. Com 580135101 2,922 14,070 SH   SOLE 0 14,070 0 0
McDonald's Corp. Com 580135101 278 1,338 SH   DFND 0 1,338 0 0
Merck & Co. Inc. Com 58933Y105 3,022 36,035 SH   SOLE 0 36,035 0 0
Merck & Co. Inc. Com 58933Y105 308 3,676 SH   DFND 0 3,676 0 0
MetLife Inc. Com Com 59156R108 606 12,191 SH   SOLE 0 12,191 0 0
MetLife Inc. Com Com 59156R108 27 535 SH   DFND 0 535 0 0
Microsoft Corp Com 594918104 6,004 44,816 SH   SOLE 0 44,816 0 0
Microsoft Corp Com 594918104 628 4,688 SH   DFND 0 4,688 0 0
Microchip Technology Inc. Com 595017104 1,925 22,206 SH   SOLE 0 22,156 0 50
Microchip Technology Inc. Com 595017104 159 1,839 SH   DFND 0 1,839 0 0
National Grid Plc-SP ADR Com 636274409 755 14,201 SH   SOLE 0 14,201 0 0
National Grid Plc-SP ADR Com 636274409 78 1,471 SH   DFND 0 1,471 0 0
NextEra Energy Inc. Com 65339F101 2,734 13,347 SH   SOLE 0 13,339 0 8
NextEra Energy Inc. Com 65339F101 295 1,441 SH   DFND 0 1,441 0 0
Nextera Energy Capital 5 01/15/73 Pfd Pfd Stk 65339K886 320 12,934 SH   SOLE 0 12,934 0 0
Nextera Energy Capital 5 01/15/73 Pfd Pfd Stk 65339K886 12 500 SH   DFND 0 500 0 0
Nike Inc. Class B Com 654106103 1,520 18,105 SH   SOLE 0 18,105 0 0
Nike Inc. Class B Com 654106103 84 1,005 SH   DFND 0 1,005 0 0
Norfolk Southern Corp Com 655844108 244 1,225 SH   SOLE 0 1,225 0 0
Novartis AG Sponsored ADR Com 66987V109 844 9,246 SH   SOLE 0 9,246 0 0
Novartis AG Sponsored ADR Com 66987V109 55 600 SH   DFND 0 600 0 0
Nucor Corporation Com 670346105 1,187 21,551 SH   SOLE 0 21,551 0 0
Nucor Corporation Com 670346105 86 1,555 SH   DFND 0 1,555 0 0
Occidental Petroleum Corp Com 674599105 415 8,245 SH   SOLE 0 8,245 0 0
Occidental Petroleum Corp Com 674599105 24 478 SH   DFND 0 478 0 0
Oracle Corp. Com 68389X105 371 6,517 SH   SOLE 0 6,517 0 0
Oracle Corp. Com 68389X105 38 675 SH   DFND 0 675 0 0
PPL Corporation Com 69351T106 331 10,685 SH   SOLE 0 10,685 0 0
Paccar Inc Com 693718108 201 2,809 SH   SOLE 0 2,809 0 0
Pepsico Inc Com 713448108 1,891 14,418 SH   SOLE 0 14,418 0 0
Pepsico Inc Com 713448108 241 1,840 SH   DFND 0 1,840 0 0
Pfizer, Inc Com 717081103 4,459 102,941 SH   SOLE 0 102,941 0 0
Pfizer, Inc Com 717081103 691 15,961 SH   DFND 0 15,961 0 0
Philip Morris Intl Inc. Com 718172109 1,158 14,750 SH   SOLE 0 14,750 0 0
Philip Morris Intl Inc. Com 718172109 26 325 SH   DFND 0 325 0 0
Phillips 66 Com 718546104 54 574 SH   SOLE 0 574 0 0
Phillips 66 Com 718546104 471 5,036 SH   DFND 0 5,036 0 0
Pitney Bowes Com 724479100 52 12,140 SH   SOLE 0 12,140 0 0
Pitney Bowes Com 724479100 2 450 SH   DFND 0 450 0 0
T Rowe Price Group Inc Com 74144T108 1,483 13,513 SH   SOLE 0 13,513 0 0
T Rowe Price Group Inc Com 74144T108 77 700 SH   DFND 0 700 0 0
Principal Financial Group Inc. Com 74251V102 1,058 18,270 SH   SOLE 0 18,270 0 0
Principal Financial Group Inc. Com 74251V102 59 1,020 SH   DFND 0 1,020 0 0
Procter & Gamble Co Com 742718109 3,816 34,799 SH   SOLE 0 34,799 0 0
Procter & Gamble Co Com 742718109 464 4,234 SH   DFND 0 4,234 0 0
Public Storage Com 74460D109 874 3,668 SH   SOLE 0 3,668 0 0
Public Storage Com 74460D109 21 90 SH   DFND 0 90 0 0
Public Storage- Preferred 4.9- Series E Pfd Stk 74460W719 1,022 41,412 SH   SOLE 0 41,412 0 0
Public Storage- Preferred 4.9- Series E Pfd Stk 74460W719 19 780 SH   DFND 0 780 0 0
Qualcomm Inc Com 747525103 2,281 29,987 SH   SOLE 0 29,987 0 0
Qualcomm Inc Com 747525103 176 2,320 SH   DFND 0 2,320 0 0
Raytheon Company Com 755111507 425 2,445 SH   SOLE 0 2,445 0 0
Raytheon Company Com 755111507 40 230 SH   DFND 0 230 0 0
Royal Dutch Shell PLC Cl B Com 780259107 346 5,265 SH   SOLE 0 5,265 0 0
Royal Dutch Shell PLC Cl B Com 780259107 12 175 SH   DFND 0 175 0 0
S&P Global Com 78409V104 243 1,065 SH   SOLE 0 1,065 0 0
S&P Global Com 78409V104 379 1,665 SH   DFND 0 1,665 0 0
SPDR S & P 500 Trust Unit Ser 1 - ETF Com 78462F103 177 604 SH   SOLE 0 604 0 0
SPDR S & P 500 Trust Unit Ser 1 - ETF Com 78462F103 130 444 SH   DFND 0 444 0 0
MFC SPDR Series Trust S&P 500 Growth - ETF Com 78464A409 697 17,994 SH   SOLE 0 17,994 0 0
MFC SPDR Series Trust S&P 500 Growth - ETF Com 78464A409 189 4,875 SH   DFND 0 4,875 0 0
SPDR S&P Midcap 400 Tr Unit Ser 1-ETF Com 78467Y107 1,048 2,955 SH   SOLE 0 2,955 0 0
Salesforce.Com Inc Com 79466L302 466 3,070 SH   SOLE 0 3,070 0 0
Select Sector SPDR-Materials - ETF Com 81369Y100 309 5,278 SH   SOLE 0 5,278 0 0
Select Sector SPDR-Materials - ETF Com 81369Y100 9 154 SH   DFND 0 154 0 0
Select Sector SPDR-Health Care - ETF Com 81369Y209 1,397 15,085 SH   SOLE 0 15,085 0 0
Select Sector SPDR-Health Care - ETF Com 81369Y209 42 455 SH   DFND 0 455 0 0
Select Sector SPDR-Consumer Staples - ETF Com 81369Y308 753 12,964 SH   SOLE 0 12,964 0 0
Select Sector SPDR-Consumer Staples - ETF Com 81369Y308 23 398 SH   DFND 0 398 0 0
Select Sector SPDR-Cons. Discretionary - ETF Com 81369Y407 997 8,360 SH   SOLE 0 8,360 0 0
Select Sector SPDR-Cons. Discretionary - ETF Com 81369Y407 35 290 SH   DFND 0 290 0 0
Select Sector SPDR-Energy - ETF Com 81369Y506 398 6,241 SH   SOLE 0 6,241 0 0
Select Sector SPDR-Energy - ETF Com 81369Y506 13 206 SH   DFND 0 206 0 0
Select Sector SPDR-Financial - ETF Com 81369Y605 1,277 46,257 SH   SOLE 0 46,257 0 0
Select Sector SPDR-Financial - ETF Com 81369Y605 40 1,448 SH   DFND 0 1,448 0 0
Select Sector SPDR-Industrial - ETF Com 81369Y704 923 11,926 SH   SOLE 0 11,926 0 0
Select Sector SPDR-Industrial - ETF Com 81369Y704 29 378 SH   DFND 0 378 0 0
Select Sector SPDR-Technology - ETF Com 81369Y803 2,076 26,598 SH   SOLE 0 26,598 0 0
Select Sector SPDR-Technology - ETF Com 81369Y803 73 932 SH   DFND 0 932 0 0
Select Sector SPDR- Comm Services-ETF Com 81369Y852 999 20,303 SH   SOLE 0 20,303 0 0
Select Sector SPDR- Comm Services-ETF Com 81369Y852 19 379 SH   DFND 0 379 0 0
Select Sector SPDR-Real Estate - ETF Com 81369Y860 271 7,360 SH   SOLE 0 7,360 0 0
Select Sector SPDR-Real Estate - ETF Com 81369Y860 8 225 SH   DFND 0 225 0 0
Select Sector SPDR Fund-Utilities - ETF Com 81369Y886 316 5,306 SH   SOLE 0 5,306 0 0
Select Sector SPDR Fund-Utilities - ETF Com 81369Y886 8 136 SH   DFND 0 136 0 0
Service Corp. Intl. Com 817565104 421 9,000 SH   DFND 0 9,000 0 0
Signature Bank Com 82669G104 317 2,621 SH   SOLE 0 2,621 0 0
Signature Bank Com 82669G104 9 75 SH   DFND 0 75 0 0
Skyworks Solutions, Inc. Com 83088M102 444 5,745 SH   SOLE 0 5,745 0 0
Skyworks Solutions, Inc. Com 83088M102 12 160 SH   DFND 0 160 0 0
J.M. Smucker Company Com 832696405 540 4,687 SH   SOLE 0 4,687 0 0
J.M. Smucker Company Com 832696405 33 285 SH   DFND 0 285 0 0
Southern Co Com 842587107 1,016 18,373 SH   SOLE 0 18,373 0 0
Southern Co Com 842587107 29 525 SH   DFND 0 525 0 0
Stanley Black & Decker 5.75 07/25/52 Pfd Pfd Stk 854502705 402 15,760 SH   SOLE 0 15,760 0 0
Stanley Black & Decker 5.75 07/25/52 Pfd Pfd Stk 854502705 18 700 SH   DFND 0 700 0 0
Starbucks Corporation Com 855244109 2,441 29,114 SH   SOLE 0 29,079 0 35
Starbucks Corporation Com 855244109 23 280 SH   DFND 0 280 0 0
State Street Corp. Com 857477103 769 13,717 SH   SOLE 0 13,717 0 0
State Street Corp. Com 857477103 17 300 SH   DFND 0 300 0 0
State Str Corp-Preferred 5.25 Series C Pfd Stk 857477509 885 35,085 SH   SOLE 0 35,085 0 0
State Str Corp-Preferred 5.25 Series C Pfd Stk 857477509 4 150 SH   DFND 0 150 0 0
State Street Corp-Preferred 6 Series E Pfd Stk 857477889 268 10,589 SH   SOLE 0 10,589 0 0
State Street Corp-Preferred 6 Series E Pfd Stk 857477889 19 750 SH   DFND 0 750 0 0
Stryker Corp Com 863667101 289 1,405 SH   SOLE 0 1,405 0 0
Suntrust Banks, Inc. Com 867914103 358 5,690 SH   DFND 0 5,690 0 0
Sysco Corp Com 871829107 407 5,755 SH   SOLE 0 5,755 0 0
Sysco Corp Com 871829107 44 620 SH   DFND 0 620 0 0
TJX Companies Inc. Com 872540109 1,362 25,756 SH   SOLE 0 25,756 0 0
TJX Companies Inc. Com 872540109 26 500 SH   DFND 0 500 0 0
Tapestry Inc Com 876030107 239 7,545 SH   SOLE 0 7,545 0 0
Tapestry Inc Com 876030107 6 200 SH   DFND 0 200 0 0
Target Corp. Com 87612E106 2,127 24,555 SH   SOLE 0 24,555 0 0
Target Corp. Com 87612E106 387 4,465 SH   DFND 0 4,465 0 0
Texas Instruments Inc Com 882508104 166 1,445 SH   SOLE 0 1,445 0 0
Texas Instruments Inc Com 882508104 34 300 SH   DFND 0 300 0 0
3M Company Com 88579Y101 325 1,877 SH   SOLE 0 1,877 0 0
3M Company Com 88579Y101 104 600 SH   DFND 0 600 0 0
Toronto Dominion Bank Com 891160509 1,959 33,570 SH   SOLE 0 33,570 0 0
Toronto Dominion Bank Com 891160509 279 4,775 SH   DFND 0 4,775 0 0
Total S.A. Com 89151E109 204 3,665 SH   SOLE 0 3,665 0 0
Total S.A. Com 89151E109 7 125 SH   DFND 0 125 0 0
The Travelers Companies Inc. Com 89417E109 753 5,033 SH   SOLE 0 5,033 0 0
The Travelers Companies Inc. Com 89417E109 60 400 SH   DFND 0 400 0 0
US Bancorp Del Com Com 902973304 433 8,262 SH   SOLE 0 8,262 0 0
US Bancorp Del Com Com 902973304 764 14,585 SH   DFND 0 14,585 0 0
Unilever PLC Sponsored ADR New Com 904767704 284 4,575 SH   SOLE 0 4,575 0 0
Unilever PLC Sponsored ADR New Com 904767704 27 430 SH   DFND 0 430 0 0
Union Pacific Corp Com 907818108 1,738 10,278 SH   SOLE 0 10,278 0 0
Union Pacific Corp Com 907818108 6 35 SH   DFND 0 35 0 0
United Parcel Service Com 911312106 3,334 32,284 SH   SOLE 0 32,259 0 25
United Parcel Service Com 911312106 302 2,920 SH   DFND 0 2,920 0 0
UPS Class A (Directed) Com 911312205 264 2,552 SH   SOLE 0 2,552 0 0
United Technologies Corp. Com 913017109 1,682 12,919 SH   SOLE 0 12,909 0 10
United Technologies Corp. Com 913017109 93 715 SH   DFND 0 715 0 0
UnitedHealth Group Inc. Com 91324P102 1,536 6,293 SH   SOLE 0 6,293 0 0
UnitedHealth Group Inc. Com 91324P102 10 40 SH   DFND 0 40 0 0
VF Corporation Com 918204108 857 9,809 SH   SOLE 0 9,809 0 0
VF Corporation Com 918204108 41 475 SH   DFND 0 475 0 0
MFC Vaneck Vectors ETF Trust Com 92189F429 4,684 236,791 SH   SOLE 0 236,791 0 0
MFC Vaneck Vectors ETF Trust Com 92189F429 277 13,980 SH   DFND 0 13,980 0 0
Vanguard Mega Cap Value ETF Com 921910840 480 5,957 SH   SOLE 0 5,957 0 0
Vanguard Mega Cap Value ETF Com 921910840 148 1,840 SH   DFND 0 1,840 0 0
Vanguard Real Estate-ETF Com 922908553 8,412 96,243 SH   SOLE 0 96,243 0 0
Vanguard Real Estate-ETF Com 922908553 292 3,341 SH   DFND 0 3,341 0 0
Verizon Communications Inc. Com 92343V104 5,050 88,390 SH   SOLE 0 88,340 0 50
Verizon Communications Inc. Com 92343V104 750 13,130 SH   DFND 0 13,130 0 0
Visa, Inc. Com 92826C839 188 1,083 SH   SOLE 0 1,083 0 0
Visa, Inc. Com 92826C839 36 210 SH   DFND 0 210 0 0
Vodafone Group PLC-SP ADR Com 92857W308 510 31,213 SH   SOLE 0 31,213 0 0
Vodafone Group PLC-SP ADR Com 92857W308 26 1,600 SH   DFND 0 1,600 0 0
Wal-Mart Stores Inc Com 931142103 2,217 20,064 SH   SOLE 0 20,064 0 0
Wal-Mart Stores Inc Com 931142103 862 7,805 SH   DFND 0 7,805 0 0
Walgreens Boots Alliance Inc. Com 931427108 658 12,039 SH   SOLE 0 12,039 0 0
Walgreens Boots Alliance Inc. Com 931427108 4 75 SH   DFND 0 75 0 0
Wells Fargo Company Com 949746101 227 4,791 SH   SOLE 0 4,791 0 0
Wells Fargo Company Com 949746101 69 1,450 SH   DFND 0 1,450 0 0
Williams-Sonoma, Inc. Com 969904101 529 8,144 SH   SOLE 0 8,144 0 0
Williams-Sonoma, Inc. Com 969904101 13 195 SH   DFND 0 195 0 0
Wisdomtree U.S. Large Cap Dividend Fund-ETF Com 97717W307 485 5,006 SH   SOLE 0 5,006 0 0
Wisdomtree U.S. Large Cap Dividend Fund-ETF Com 97717W307 147 1,520 SH   DFND 0 1,520 0 0
WisdomTree U.S. Midcap Dividend Fund-ETF Com 97717W505 2,114 58,407 SH   SOLE 0 58,407 0 0
WisdomTree U.S. Midcap Dividend Fund-ETF Com 97717W505 61 1,685 SH   DFND 0 1,685 0 0
WisdomTree U.S. Small Cap Dividend Fund ETF Com 97717W604 2,251 83,028 SH   SOLE 0 83,028 0 0
WisdomTree U.S. Small Cap Dividend Fund ETF Com 97717W604 36 1,326 SH   DFND 0 1,326 0 0
Wisdomtree International Equity Fund ETF Com 97717W703 5,368 105,243 SH   SOLE 0 105,243 0 0
Wisdomtree International Equity Fund ETF Com 97717W703 98 1,924 SH   DFND 0 1,924 0 0
Accenture PLC Cl A Com G1151C101 361 1,955 SH   SOLE 0 1,955 0 0
Eaton Corp PLC Com G29183103 2,201 26,424 SH   SOLE 0 26,424 0 0
Eaton Corp PLC Com G29183103 905 10,866 SH   DFND 0 10,866 0 0
Ingersoll-Rand PLC Shs Com G47791101 253 2,000 SH   DFND 0 2,000 0 0
Invesco Ltd Com G491BT108 1,475 72,079 SH   SOLE 0 71,979 0 100
Invesco Ltd Com G491BT108 104 5,065 SH   DFND 0 5,065 0 0
Johnson Controls International PLC Com G51502105 253 6,132 SH   SOLE 0 6,132 0 0
Johnson Controls International PLC Com G51502105 11 260 SH   DFND 0 260 0 0
Medtronic Hldg Ltd Com G5960L103 899 9,227 SH   SOLE 0 9,227 0 0
Medtronic Hldg Ltd Com G5960L103 32 330 SH   DFND 0 330 0 0
Chubb Ltd Ord Com H1467J104 446 3,026 SH   SOLE 0 3,026 0 0
Chubb Ltd Ord Com H1467J104 56 380 SH   DFND 0 380 0 0
Check Point Software Com M22465104 1,168 10,107 SH   SOLE 0 10,107 0 0
Check Point Software Com M22465104 18 152 SH   DFND 0 152 0 0