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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AFLAC, Inc. Com 001055102   262,730 2,350 SH   SOLE 0 2,350 0 0
AFLAC, Inc. Com 001055102   33,540 300 SH   DFND 0 300 0 0
AT&T Inc. Com Com 00206R102   3,051,400 138,700 SH   SOLE 0 138,635 0 65
AT&T Inc. Com Com 00206R102   264,506 12,023 SH   DFND 0 12,023 0 0
Abbott Laboratories Com 002824100   3,262,624 28,617 SH   SOLE 0 28,582 0 35
Abbott Laboratories Com 002824100   191,993 1,684 SH   DFND 0 1,684 0 0
AbbVie Inc Com 00287Y109   3,561,947 18,037 SH   SOLE 0 18,037 0 0
AbbVie Inc Com 00287Y109   498,242 2,523 SH   DFND 0 2,523 0 0
Adobe Systems Inc. Com 00724F101   3,922,701 7,576 SH   SOLE 0 7,576 0 0
Adobe Systems Inc. Com 00724F101   126,856 245 SH   DFND 0 245 0 0
Air Products & Chemicals Com 009158106   512,113 1,720 SH   SOLE 0 1,720 0 0
Air Products & Chemicals Com 009158106   14,589 49 SH   DFND 0 49 0 0
Alphabet Inc Cl C Com 02079K107   2,217,274 13,262 SH   SOLE 0 13,262 0 0
Alphabet Inc Cl C Com 02079K107   130,408 780 SH   DFND 0 780 0 0
Alphabet Inc. Cl A Com 02079K305   10,694,837 64,485 SH   SOLE 0 64,470 0 15
Alphabet Inc. Cl A Com 02079K305   461,063 2,780 SH   DFND 0 2,780 0 0
Altria Group Inc. Com 02209S103   741,101 14,520 SH   SOLE 0 14,520 0 0
Altria Group Inc. Com 02209S103   60,482 1,185 SH   DFND 0 1,185 0 0
Amazon.Com, Inc. Com 023135106   11,150,919 59,845 SH   SOLE 0 59,815 0 30
Amazon.Com, Inc. Com 023135106   591,598 3,175 SH   DFND 0 3,175 0 0
American Express Co Com 025816109   2,084,172 7,685 SH   SOLE 0 7,685 0 0
American Express Co Com 025816109   506,873 1,869 SH   DFND 0 1,869 0 0
American Tower Corporation REIT Com 03027X100   414,887 1,784 SH   SOLE 0 1,784 0 0
American Tower Corporation REIT Com 03027X100   7,209 31 SH   DFND 0 31 0 0
Ameriprise Financial, Inc. Com 03076C106   441,621 940 SH   SOLE 0 940 0 0
Ameriprise Financial, Inc. Com 03076C106   2,349 5 SH   DFND 0 5 0 0
Amgen Inc. Com 031162100   3,316,508 10,293 SH   SOLE 0 10,293 0 0
Amgen Inc. Com 031162100   142,739 443 SH   DFND 0 443 0 0
Analog Devices Inc. Com 032654105   578,417 2,513 SH   SOLE 0 2,513 0 0
Analog Devices Inc. Com 032654105   14,501 63 SH   DFND 0 63 0 0
Apple, Inc. Com 037833100   24,698,466 106,002 SH   SOLE 0 105,957 0 45
Apple, Inc. Com 037833100   1,373,302 5,894 SH   DFND 0 5,894 0 0
Applied Materials Inc. Com 038222105   6,930,315 34,300 SH   SOLE 0 34,265 0 35
Applied Materials Inc. Com 038222105   187,704 929 SH   DFND 0 929 0 0
Automatic Data Processing Com 053015103   950,291 3,434 SH   SOLE 0 3,434 0 0
Automatic Data Processing Com 053015103   188,176 680 SH   DFND 0 680 0 0
Bank Of America Corporation Com 060505104   3,338,755 84,142 SH   SOLE 0 84,142 0 0
Bank Of America Corporation Com 060505104   122,532 3,088 SH   DFND 0 3,088 0 0
Baxter International, Inc. Com 071813109   196,761 5,182 SH   SOLE 0 5,182 0 0
Baxter International, Inc. Com 071813109   3,797 100 SH   DFND 0 100 0 0
Berkshire Hathaway, Inc. Cl A Com 084670108   691,180 1 SH   SOLE 0 1 0 0
Berkshire Hathaway Inc Cl B Com 084670702   2,114,895 4,595 SH   SOLE 0 4,585 0 10
Berkshire Hathaway Inc Cl B Com 084670702   101,257 220 SH   DFND 0 220 0 0
Blackrock Inc (OLD) Com 09247X101   955,207 1,006 SH   SOLE 0 1,006 0 0
Blackrock Inc (OLD) Com 09247X101   56,971 60 SH   DFND 0 60 0 0
Boston Scientific Corp Com 101137107   232,964 2,780 SH   SOLE 0 2,780 0 0
Boston Scientific Corp Com 101137107   3,352 40 SH   DFND 0 40 0 0
Bristol Myers Squibb Co. Com 110122108   1,363,194 26,347 SH   SOLE 0 26,297 0 50
Bristol Myers Squibb Co. Com 110122108   196,974 3,807 SH   DFND 0 3,807 0 0
Cigna Group Com 125523100   257,058 742 SH   SOLE 0 742 0 0
CVS Health Corp Com 126650100   2,413,209 38,378 SH   SOLE 0 38,333 0 45
CVS Health Corp Com 126650100   77,280 1,229 SH   DFND 0 1,229 0 0
Campbell Soup Co Com 134429109   232,615 4,755 SH   SOLE 0 4,755 0 0
Campbell Soup Co Com 134429109   30,575 625 SH   DFND 0 625 0 0
Capital One Financial Corp. Com 14040H105   291,674 1,948 SH   SOLE 0 1,948 0 0
Capital One Financial Corp. Com 14040H105   3,743 25 SH   DFND 0 25 0 0
Caterpillar Inc. Com 149123101   4,769,708 12,195 SH   SOLE 0 12,195 0 0
Caterpillar Inc. Com 149123101   130,634 334 SH   DFND 0 334 0 0
Chevron Corp com Com 166764100   5,383,160 36,553 SH   SOLE 0 36,533 0 20
Chevron Corp com Com 166764100   291,595 1,980 SH   DFND 0 1,980 0 0
Cisco Systems, Inc. Com 17275R102   1,758,069 33,034 SH   SOLE 0 33,034 0 0
Cisco Systems, Inc. Com 17275R102   115,700 2,174 SH   DFND 0 2,174 0 0
Coca Cola Com 191216100   3,266,468 45,456 SH   SOLE 0 45,456 0 0
Coca Cola Com 191216100   784,783 10,921 SH   DFND 0 10,921 0 0
Cognizant Tech Solutions-A Com 192446102   230,845 2,991 SH   SOLE 0 2,991 0 0
Cognizant Tech Solutions-A Com 192446102   27,399 355 SH   DFND 0 355 0 0
ComCast Corporation Cl A Com 20030N101   2,086,286 49,947 SH   SOLE 0 49,877 0 70
ComCast Corporation Cl A Com 20030N101   78,569 1,881 SH   DFND 0 1,881 0 0
ConocoPhillips Com 20825C104   131,705 1,251 SH   SOLE 0 1,251 0 0
ConocoPhillips Com 20825C104   235,932 2,241 SH   DFND 0 2,241 0 0
Consolidated Edison Inc. Com 209115104   900,204 8,645 SH   SOLE 0 8,645 0 0
Consolidated Edison Inc. Com 209115104   376,013 3,611 SH   DFND 0 3,611 0 0
Constellation Brands Inc Cl A Com 21036P108   1,611,593 6,254 SH   SOLE 0 6,244 0 10
Constellation Brands Inc Cl A Com 21036P108   88,903 345 SH   DFND 0 345 0 0
Corecare Sys Inc Com 218908101   0 10,000 SH   SOLE 0 10,000 0 0
Costco Wholesale Corporation Com 22160K105   515,955 582 SH   SOLE 0 582 0 0
Costco Wholesale Corporation Com 22160K105   6,206 7 SH   DFND 0 7 0 0
Cummins, Inc. Com 231021106   446,183 1,378 SH   SOLE 0 1,378 0 0
Cummins, Inc. Com 231021106   4,857 15 SH   DFND 0 15 0 0
Danaher Corp. Com Com 235851102   549,924 1,978 SH   SOLE 0 1,978 0 0
Darden Restaurants Inc. Com 237194105   1,902,759 11,593 SH   SOLE 0 11,593 0 0
Darden Restaurants Inc. Com 237194105   75,992 463 SH   DFND 0 463 0 0
Deere & Co. Com 244199105   2,729,756 6,541 SH   SOLE 0 6,531 0 10
Deere & Co. Com 244199105   173,192 415 SH   DFND 0 415 0 0
The Walt Disney Company Com 254687106   2,232,474 23,209 SH   SOLE 0 23,209 0 0
The Walt Disney Company Com 254687106   96,382 1,002 SH   DFND 0 1,002 0 0
Dominion Energy Inc. Com 25746U109   575,877 9,965 SH   SOLE 0 9,965 0 0
Dominion Energy Inc. Com 25746U109   77,150 1,335 SH   DFND 0 1,335 0 0
Dow Inc Com 260557103   678,668 12,423 SH   SOLE 0 12,423 0 0
Dow Inc Com 260557103   62,114 1,137 SH   DFND 0 1,137 0 0
Duke Energy Corp Com 26441C204   3,502,583 30,378 SH   SOLE 0 30,378 0 0
Duke Energy Corp Com 26441C204   203,389 1,764 SH   DFND 0 1,764 0 0
Dupont De Nemours Inc Com 26614N102   642,572 7,211 SH   SOLE 0 7,211 0 0
Dupont De Nemours Inc Com 26614N102   47,763 536 SH   DFND 0 536 0 0
Emerson Electric Co Com 291011104   2,407,124 22,009 SH   SOLE 0 22,009 0 0
Emerson Electric Co Com 291011104   61,903 566 SH   DFND 0 566 0 0
Entergy Corp. Com 29364G103   677,792 5,150 SH   SOLE 0 5,150 0 0
Entergy Corp. Com 29364G103   70,411 535 SH   DFND 0 535 0 0
Exelon Corp. Com 30161N101   483,762 11,930 SH   SOLE 0 11,890 0 40
Exelon Corp. Com 30161N101   69,746 1,720 SH   DFND 0 1,720 0 0
Exxon Mobil Corporation Com 30231G102   5,367,387 45,789 SH   SOLE 0 45,789 0 0
Exxon Mobil Corporation Com 30231G102   356,114 3,038 SH   DFND 0 3,038 0 0
Meta Platforms Inc Com 30303M102   829,466 1,449 SH   SOLE 0 1,449 0 0
Meta Platforms Inc Com 30303M102   60,679 106 SH   DFND 0 106 0 0
Fedex Corp. Com 31428X106   408,604 1,493 SH   SOLE 0 1,493 0 0
Fedex Corp. Com 31428X106   14,231 52 SH   DFND 0 52 0 0
GE Healthcare Technologies Inc Com 36266G107   661,549 7,049 SH   SOLE 0 7,049 0 0
GE Healthcare Technologies Inc Com 36266G107   51,805 552 SH   DFND 0 552 0 0
GE Vernova Inc Com 36828A101   730,263 2,864 SH   SOLE 0 2,864 0 0
GE Vernova Inc Com 36828A101   105,817 415 SH   DFND 0 415 0 0
GE Aerospace Com 369604301   2,148,492 11,393 SH   SOLE 0 11,393 0 0
GE Aerospace Com 369604301   313,986 1,665 SH   DFND 0 1,665 0 0
Gilead Sciences, Inc. Com 375558103   592,330 7,065 SH   SOLE 0 7,065 0 0
Gilead Sciences, Inc. Com 375558103   25,152 300 SH   DFND 0 300 0 0
GSK PLC SPON ADR Com 37733W204   282,890 6,920 SH   DFND 0 6,920 0 0
Global X US Preferred ETF Pfd Stk 37954Y657   1,462,683 70,389 SH   SOLE 0 70,389 0 0
Global X US Preferred ETF Pfd Stk 37954Y657   31,648 1,523 SH   DFND 0 1,523 0 0
Goldman Sachs Group Inc. Com 38141G104   1,905,183 3,848 SH   SOLE 0 3,848 0 0
Goldman Sachs Group Inc. Com 38141G104   53,967 109 SH   DFND 0 109 0 0
Goldman Sachs Active Beta ETF Com 381430503   146,257 1,295 SH   SOLE 0 1,295 0 0
Goldman Sachs Active Beta ETF Com 381430503   155,857 1,380 SH   DFND 0 1,380 0 0
HP Inc. Com 40434L105   227,416 6,340 SH   SOLE 0 6,340 0 0
HP Inc. Com 40434L105   16,142 450 SH   DFND 0 450 0 0
Home Depot, Inc. Com 437076102   3,226,202 7,962 SH   SOLE 0 7,957 0 5
Home Depot, Inc. Com 437076102   359,412 887 SH   DFND 0 887 0 0
Honeywell International Inc. Com 438516106   748,290 3,620 SH   SOLE 0 3,610 0 10
Honeywell International Inc. Com 438516106   169,089 818 SH   DFND 0 818 0 0
Humana Inc Com 444859102   248,958 786 SH   SOLE 0 786 0 0
Independent Bank Corp Mass Com 453836108   337,337 5,705 SH   SOLE 0 5,705 0 0
Independent Bank Corp Mass Com 453836108   161,721 2,735 SH   DFND 0 2,735 0 0
Intel Corp Com 458140100   2,389,448 101,852 SH   SOLE 0 101,852 0 0
Intel Corp Com 458140100   139,798 5,959 SH   DFND 0 5,959 0 0
International Business Machines Com 459200101   3,145,747 14,229 SH   SOLE 0 14,229 0 0
International Business Machines Com 459200101   564,417 2,553 SH   DFND 0 2,553 0 0
International Paper Com 460146103   282,060 5,774 SH   SOLE 0 5,774 0 0
International Paper Com 460146103   72,054 1,475 SH   DFND 0 1,475 0 0
Intuit Inc Com 461202103   738,990 1,190 SH   SOLE 0 1,190 0 0
Invesco II Pfd-ETF Pfd Stk 46138E511   5,368,310 434,681 SH   SOLE 0 434,081 0 600
Invesco II Pfd-ETF Pfd Stk 46138E511   374,316 30,309 SH   DFND 0 30,309 0 0
Iron Mountain Inc. Com 46284V101   29,708 250 SH   SOLE 0 250 0 0
Iron Mountain Inc. Com 46284V101   1,197,569 10,078 SH   DFND 0 10,078 0 0
IShares MSCI Emerging Mkts Min Vol Factor ETF Com 464286533   1,852,033 29,538 SH   SOLE 0 29,538 0 0
IShares MSCI Emerging Mkts Min Vol Factor ETF Com 464286533   7,022 112 SH   DFND 0 112 0 0
iShares S&P 500 Index - ETF Com 464287200   583,742 1,012 SH   SOLE 0 1,012 0 0
Ishares Core U.S. Aggregate-ETF Com 464287226   7,438,889 73,456 SH   SOLE 0 73,456 0 0
Ishares Core U.S. Aggregate-ETF Com 464287226   186,236 1,839 SH   DFND 0 1,839 0 0
iShares S&P SmallCap 600 Index - ETF Com 464287804   1,055,096 9,021 SH   SOLE 0 9,021 0 0
IShares Tr Short-Term Corp Bd-ETF Com 464288646   212,852 4,042 SH   SOLE 0 4,042 0 0
IShares Tr Short-Term Corp Bd-ETF Com 464288646   57,136 1,085 SH   DFND 0 1,085 0 0
Ishares MSCI International Quality-ETF Com 46434V456   4,259,488 102,663 SH   SOLE 0 102,663 0 0
Ishares MSCI International Quality-ETF Com 46434V456   51,157 1,233 SH   DFND 0 1,233 0 0
JPMorgan Chase & Company Com 46625H100   9,193,707 43,601 SH   SOLE 0 43,566 0 35
JPMorgan Chase & Company Com 46625H100   909,650 4,314 SH   DFND 0 4,314 0 0
Johnson & Johnson Com 478160104   5,243,937 32,358 SH   SOLE 0 32,358 0 0
Johnson & Johnson Com 478160104   466,085 2,876 SH   DFND 0 2,876 0 0
Kimberly-Clark Corp Com 494368103   587,616 4,130 SH   SOLE 0 4,130 0 0
Kimberly-Clark Corp Com 494368103   118,377 832 SH   DFND 0 832 0 0
Lilly, Eli & Co Com 532457108   4,094,815 4,622 SH   SOLE 0 4,622 0 0
Lilly, Eli & Co Com 532457108   535,994 605 SH   DFND 0 605 0 0
Lockheed Martin Corporation Com 539830109   2,689,561 4,601 SH   SOLE 0 4,601 0 0
Lockheed Martin Corporation Com 539830109   170,107 291 SH   DFND 0 291 0 0
Lowe's Companies, Inc. Com 548661107   4,132,358 15,257 SH   SOLE 0 15,247 0 10
Lowe's Companies, Inc. Com 548661107   252,703 933 SH   DFND 0 933 0 0
McDonald's Corp. Com 580135101   4,984,220 16,368 SH   SOLE 0 16,368 0 0
McDonald's Corp. Com 580135101   384,901 1,264 SH   DFND 0 1,264 0 0
Merck & Co. Inc. Com 58933Y105   4,981,423 43,866 SH   SOLE 0 43,866 0 0
Merck & Co. Inc. Com 58933Y105   428,008 3,769 SH   DFND 0 3,769 0 0
MetLife Inc. Com Com 59156R108   917,260 11,121 SH   SOLE 0 11,121 0 0
MetLife Inc. Com Com 59156R108   8,825 107 SH   DFND 0 107 0 0
Microsoft Corp Com 594918104   21,151,827 49,156 SH   SOLE 0 49,136 0 20
Microsoft Corp Com 594918104   1,213,016 2,819 SH   DFND 0 2,819 0 0
Microchip Technology Inc. Com 595017104   857,096 10,675 SH   SOLE 0 10,675 0 0
Microchip Technology Inc. Com 595017104   97,954 1,220 SH   DFND 0 1,220 0 0
National Grid Plc-SP ADR Com 636274409   626,264 8,989 SH   SOLE 0 8,989 0 0
National Grid Plc-SP ADR Com 636274409   71,063 1,020 SH   DFND 0 1,020 0 0
NextEra Energy Inc. Com 65339F101   4,593,191 54,338 SH   SOLE 0 54,313 0 25
NextEra Energy Inc. Com 65339F101   243,954 2,886 SH   DFND 0 2,886 0 0
Nike Inc. Class B Com 654106103   2,644,221 29,912 SH   SOLE 0 29,892 0 20
Nike Inc. Class B Com 654106103   110,765 1,253 SH   DFND 0 1,253 0 0
Novartis AG Sponsored ADR Com 66987V109   242,232 2,106 SH   SOLE 0 2,106 0 0
Novartis AG Sponsored ADR Com 66987V109   4,831 42 SH   DFND 0 42 0 0
Nucor Corporation Com 670346105   356,306 2,370 SH   SOLE 0 2,370 0 0
Nucor Corporation Com 670346105   23,303 155 SH   DFND 0 155 0 0
Nvidia Corporation Com 67066G104   13,894,558 114,415 SH   SOLE 0 114,315 0 100
Nvidia Corporation Com 67066G104   487,096 4,011 SH   DFND 0 4,011 0 0
Oracle Corp. Com 68389X105   554,822 3,256 SH   SOLE 0 3,256 0 0
Oracle Corp. Com 68389X105   7,327 43 SH   DFND 0 43 0 0
PPL Corporation Com 69351T106   382,570 11,565 SH   SOLE 0 11,565 0 0
PPL Corporation Com 69351T106   28,118 850 SH   DFND 0 850 0 0
Palo Alto Networks Inc. Com 697435105   1,064,023 3,113 SH   SOLE 0 3,113 0 0
Palo Alto Networks Inc. Com 697435105   36,231 106 SH   DFND 0 106 0 0
Pepsico Inc Com 713448108   2,547,349 14,980 SH   SOLE 0 14,980 0 0
Pepsico Inc Com 713448108   287,044 1,688 SH   DFND 0 1,688 0 0
Pfizer, Inc Com 717081103   1,597,256 55,192 SH   SOLE 0 55,192 0 0
Pfizer, Inc Com 717081103   182,843 6,318 SH   DFND 0 6,318 0 0
Philip Morris Intl Inc. Com 718172109   773,318 6,370 SH   SOLE 0 6,370 0 0
Phillips 66 Com 718546104   75,452 574 SH   SOLE 0 574 0 0
Phillips 66 Com 718546104   256,590 1,952 SH   DFND 0 1,952 0 0
PIMCO Muni Income Fund III-CEF Com 72201A103   83,624 10,124 SH   SOLE 0 10,124 0 0
T Rowe Price Group Inc Com 74144T108   409,904 3,763 SH   SOLE 0 3,763 0 0
T Rowe Price Group Inc Com 74144T108   9,041 83 SH   DFND 0 83 0 0
Principal Financial Group Inc. Com 74251V102   668,989 7,788 SH   SOLE 0 7,788 0 0
Principal Financial Group Inc. Com 74251V102   18,469 215 SH   DFND 0 215 0 0
Procter & Gamble Co Com 742718109   5,440,039 31,409 SH   SOLE 0 31,409 0 0
Procter & Gamble Co Com 742718109   472,490 2,728 SH   DFND 0 2,728 0 0
Prudential Financial Inc. Com 744320102   485,611 4,010 SH   SOLE 0 3,985 0 25
Prudential Financial Inc. Com 744320102   7,266 60 SH   DFND 0 60 0 0
Public Storage Com 74460D109   1,780,416 4,893 SH   SOLE 0 4,893 0 0
Qualcomm Inc Com 747525103   5,892,743 34,653 SH   SOLE 0 34,643 0 10
Qualcomm Inc Com 747525103   268,849 1,581 SH   DFND 0 1,581 0 0
RTX Corporation Com 75513E101   4,169,721 34,415 SH   SOLE 0 34,400 0 15
RTX Corporation Com 75513E101   186,344 1,538 SH   DFND 0 1,538 0 0
Regeneron Pharmaceuticals Com 75886F107   846,248 805 SH   SOLE 0 805 0 0
Regeneron Pharmaceuticals Com 75886F107   33,640 32 SH   DFND 0 32 0 0
Salesforce Inc Com 79466L302   6,107,018 22,312 SH   SOLE 0 22,312 0 0
Salesforce Inc Com 79466L302   192,144 702 SH   DFND 0 702 0 0
Select Sector SPDR-Materials - ETF Com 81369Y100   213,096 2,211 SH   SOLE 0 2,211 0 0
Select Sector SPDR-Materials - ETF Com 81369Y100   15,517 161 SH   DFND 0 161 0 0
Select Sector SPDR-Health Care - ETF Com 81369Y209   1,480,748 9,614 SH   SOLE 0 9,614 0 0
Select Sector SPDR-Health Care - ETF Com 81369Y209   71,003 461 SH   DFND 0 461 0 0
Select Sector SPDR-Consumer Staples - ETF Com 81369Y308   804,934 9,698 SH   SOLE 0 9,698 0 0
Select Sector SPDR-Consumer Staples - ETF Com 81369Y308   33,698 406 SH   DFND 0 406 0 0
Select Sector SPDR-Cons. Discretionary - ETF Com 81369Y407   1,227,467 6,126 SH   SOLE 0 6,126 0 0
Select Sector SPDR-Cons. Discretionary - ETF Com 81369Y407   60,712 303 SH   DFND 0 303 0 0
Select Sector SPDR-Energy - ETF Com 81369Y506   515,913 5,876 SH   SOLE 0 5,876 0 0
Select Sector SPDR-Energy - ETF Com 81369Y506   19,053 217 SH   DFND 0 217 0 0
Select Sector SPDR-Financial - ETF Com 81369Y605   1,412,443 31,166 SH   SOLE 0 31,166 0 0
Select Sector SPDR-Financial - ETF Com 81369Y605   68,343 1,508 SH   DFND 0 1,508 0 0
Select Sector SPDR-Industrial - ETF Com 81369Y704   1,026,500 7,579 SH   SOLE 0 7,579 0 0
Select Sector SPDR-Industrial - ETF Com 81369Y704   53,228 393 SH   DFND 0 393 0 0
Select Sector SPDR-Technology - ETF Com 81369Y803   4,138,181 18,330 SH   SOLE 0 18,330 0 0
Select Sector SPDR-Technology - ETF Com 81369Y803   202,281 896 SH   DFND 0 896 0 0
Select Sector SPDR- Comm Services-ETF Com 81369Y852   1,168,601 12,927 SH   SOLE 0 12,927 0 0
Select Sector SPDR- Comm Services-ETF Com 81369Y852   33,358 369 SH   DFND 0 369 0 0
Select Sector SPDR-Real Estate - ETF Com 81369Y860   289,417 6,479 SH   SOLE 0 6,479 0 0
Select Sector SPDR-Real Estate - ETF Com 81369Y860   2,814 63 SH   DFND 0 63 0 0
Select Sector SPDR Fund-Utilities - ETF Com 81369Y886   347,192 4,298 SH   SOLE 0 4,298 0 0
Select Sector SPDR Fund-Utilities - ETF Com 81369Y886   13,490 167 SH   DFND 0 167 0 0
Service Corp. Intl. Com 817565104   225,740 2,860 SH   DFND 0 2,860 0 0
Southern Co Com 842587107   933,092 10,347 SH   SOLE 0 10,347 0 0
Southern Co Com 842587107   3,156 35 SH   DFND 0 35 0 0
Southern Copper Corporation Com 84265V105   717,501 6,203 SH   SOLE 0 6,203 0 0
Southern Copper Corporation Com 84265V105   2,313 20 SH   DFND 0 20 0 0
Starbucks Corporation Com 855244109   648,503 6,652 SH   SOLE 0 6,652 0 0
Starbucks Corporation Com 855244109   8,189 84 SH   DFND 0 84 0 0
State Street Corp. Com 857477103   335,744 3,795 SH   SOLE 0 3,795 0 0
State Street Corp. Com 857477103   8,847 100 SH   DFND 0 100 0 0
Stryker Corp Com 863667101   3,672,930 10,167 SH   SOLE 0 10,167 0 0
Stryker Corp Com 863667101   81,284 225 SH   DFND 0 225 0 0
Sysco Corp Com 871829107   1,708,890 21,892 SH   SOLE 0 21,892 0 0
Sysco Corp Com 871829107   97,887 1,254 SH   DFND 0 1,254 0 0
TJX Companies Inc. Com 872540109   2,715,409 23,102 SH   SOLE 0 23,102 0 0
TJX Companies Inc. Com 872540109   117,540 1,000 SH   DFND 0 1,000 0 0
T-Mobile US Inc Com 872590104   1,963,103 9,513 SH   SOLE 0 9,513 0 0
T-Mobile US Inc Com 872590104   81,925 397 SH   DFND 0 397 0 0
Target Corp. Com 87612E106   1,372,036 8,803 SH   SOLE 0 8,803 0 0
Target Corp. Com 87612E106   182,356 1,170 SH   DFND 0 1,170 0 0
Thermo Fisher Scientific Inc Com 883556102   507,227 820 SH   SOLE 0 820 0 0
Thermo Fisher Scientific Inc Com 883556102   9,279 15 SH   DFND 0 15 0 0
3M Company Com 88579Y101   210,518 1,540 SH   SOLE 0 1,540 0 0
3M Company Com 88579Y101   61,242 448 SH   DFND 0 448 0 0
Toronto Dominion Bank Com 891160509   1,210,986 19,143 SH   SOLE 0 19,143 0 0
Toronto Dominion Bank Com 891160509   151,128 2,389 SH   DFND 0 2,389 0 0
The Travelers Companies Inc. Com 89417E109   917,282 3,918 SH   SOLE 0 3,918 0 0
The Travelers Companies Inc. Com 89417E109   86,156 368 SH   DFND 0 368 0 0
Truist Financial Corp Com 89832Q109   612,124 14,312 SH   SOLE 0 14,312 0 0
Truist Financial Corp Com 89832Q109   294,258 6,880 SH   DFND 0 6,880 0 0
Union Pacific Corp Com 907818108   2,834,274 11,499 SH   SOLE 0 11,499 0 0
Union Pacific Corp Com 907818108   101,303 411 SH   DFND 0 411 0 0
United Parcel Service Com 911312106   2,027,376 14,870 SH   SOLE 0 14,870 0 0
United Parcel Service Com 911312106   182,559 1,339 SH   DFND 0 1,339 0 0
UnitedHealth Group Inc. Com 91324P102   5,722,848 9,788 SH   SOLE 0 9,783 0 5
UnitedHealth Group Inc. Com 91324P102   128,630 220 SH   DFND 0 220 0 0
MFC Vaneck ETF TR Com 92189F429   582,019 31,874 SH   SOLE 0 31,874 0 0
MFC Vaneck ETF TR Com 92189F429   152,015 8,325 SH   DFND 0 8,325 0 0
Vanguard Russell 2000 ETF Com 92206C664   315,441 3,530 SH   SOLE 0 3,530 0 0
Vanguard Russell 2000 ETF Com 92206C664   3,128 35 SH   DFND 0 35 0 0
Vanguard Real Estate-ETF Com 922908553   6,554,710 67,283 SH   SOLE 0 67,283 0 0
Vanguard Real Estate-ETF Com 922908553   153,047 1,571 SH   DFND 0 1,571 0 0
Vanguard Index Mid-Cap ETF Com 922908629   1,428,903 5,416 SH   SOLE 0 5,416 0 0
Vanguard Index Mid-Cap ETF Com 922908629   5,013 19 SH   DFND 0 19 0 0
Verizon Communications Inc. Com 92343V104   3,384,867 75,370 SH   SOLE 0 75,320 0 50
Verizon Communications Inc. Com 92343V104   332,289 7,399 SH   DFND 0 7,399 0 0
Visa, Inc. Com 92826C839   5,630,151 20,477 SH   SOLE 0 20,477 0 0
Visa, Inc. Com 92826C839   209,512 762 SH   DFND 0 762 0 0
Wal-Mart Stores Inc Com 931142103   6,673,745 82,647 SH   SOLE 0 82,617 0 30
Wal-Mart Stores Inc Com 931142103   658,920 8,160 SH   DFND 0 8,160 0 0
Williams-Sonoma, Inc. Com 969904101   347,795 2,245 SH   SOLE 0 2,245 0 0
Williams-Sonoma, Inc. Com 969904101   6,197 40 SH   DFND 0 40 0 0
WisdomTree U.S. Midcap Dividend Fund-ETF Com 97717W505   481,542 9,418 SH   SOLE 0 9,418 0 0
WisdomTree U.S. Midcap Dividend Fund-ETF Com 97717W505   22,242 435 SH   DFND 0 435 0 0
WisdomTree U.S. Small Cap Dividend Fund ETF Com 97717W604   312,514 9,061 SH   SOLE 0 9,061 0 0
WisdomTree U.S. Small Cap Dividend Fund ETF Com 97717W604   10,692 310 SH   DFND 0 310 0 0
Wisdomtree International Equity Fund ETF Com 97717W703   1,390,109 24,152 SH   SOLE 0 24,152 0 0
Wisdomtree International Equity Fund ETF Com 97717W703   7,195 125 SH   DFND 0 125 0 0
Accenture PLC Cl A Com G1151C101   1,863,900 5,273 SH   SOLE 0 5,273 0 0
Accenture PLC Cl A Com G1151C101   100,388 284 SH   DFND 0 284 0 0
Eaton Corp PLC Com G29183103   2,985,612 9,008 SH   SOLE 0 9,003 0 5
Eaton Corp PLC Com G29183103   966,810 2,917 SH   DFND 0 2,917 0 0
Linde Plc Com G54950103   3,547,838 7,440 SH   SOLE 0 7,435 0 5
Linde Plc Com G54950103   145,919 306 SH   DFND 0 306 0 0
Medtronic Hldg Ltd Com G5960L103   897,959 9,974 SH   SOLE 0 9,974 0 0
Medtronic Hldg Ltd Com G5960L103   56,179 624 SH   DFND 0 624 0 0
Chubb Ltd Com H1467J104   4,454,760 15,447 SH   SOLE 0 15,447 0 0
Chubb Ltd Com H1467J104   169,285 587 SH   DFND 0 587 0 0
Check Point Software Com M22465104   308,689 1,601 SH   SOLE 0 1,601 0 0