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
Abbott Laboratories Equities 002824100   125,026 1,100 SH   DFND   1,100 0 0
Abbott Laboratories Equities 002824100   520,449 4,579 SH   SOLE   4,579 0 0
Abbvie Inc Equities 00287Y109   182,100 1,000 SH   DFND   1,000 0 0
Abbvie Inc Equities 00287Y109   877,722 4,820 SH   SOLE   4,820 0 0
Accenture Plc Class A Equities G1151C101   6,239 18 SH   DFND   18 0 0
Accenture Plc Class A Equities G1151C101   6,493,392 18,734 SH   SOLE   18,595 59 80
Allstate Corp Equities 020002101   8,477 49 SH   DFND   49 0 0
Allstate Corp Equities 020002101   4,751,201 27,462 SH   SOLE   27,412 50 0
Alphabet Inc Class A Equities 02079K305   693,523 4,595 SH   SOLE   4,595 0 0
Alphabet Inc Class C Equities 02079K107   708,466 4,653 SH   SOLE   4,653 0 0
Amazon.com Inc Equities 023135106   1,400,290 7,763 SH   SOLE   7,763 0 0
Amgen Inc Equities 031162100   10,804 38 SH   DFND   38 0 0
Amgen Inc Equities 031162100   663,603 2,334 SH   SOLE   2,334 0 0
Apple Inc. Equities 037833100   49,043 286 SH   DFND   286 0 0
Apple Inc. Equities 037833100   16,066,990 93,696 SH   SOLE   93,204 257 235
AT&T Inc Equities 00206R102   46,411 2,637 SH   DFND   2,637 0 0
AT&T Inc Equities 00206R102   2,467,678 140,209 SH   SOLE   139,634 500 75
Automatic Data Processing Equities 053015103   281,457 1,127 SH   SOLE   1,127 0 0
Bank of New York Mellon Corp Equities 064058100   5,762 100 SH   DFND   100 0 0
Bank of New York Mellon Corp Equities 064058100   490,461 8,512 SH   SOLE   8,512 0 0
Berkshire Hathaway Inc Class B Equities 084670702   1,375,521 3,271 SH   SOLE   3,271 0 0
Blackrock Inc Equities 09247X101   8,337 10 SH   DFND   10 0 0
Blackrock Inc Equities 09247X101   6,250,249 7,497 SH   SOLE   7,456 11 30
Bristol-Myers Squibb Co Equities 110122108   92,191 1,700 SH   DFND   1,700 0 0
Bristol-Myers Squibb Co Equities 110122108   479,122 8,835 SH   SOLE   8,835 0 0
Broadcom Ltd Equities 11135F101   7,565,440 5,708 SH   SOLE   5,680 28 0
Carrier Global Corp Equities 14448C104   5,232 90 SH   DFND   90 0 0
Carrier Global Corp Equities 14448C104   389,471 6,700 SH   SOLE   6,700 0 0
Caterpillar Inc Equities 149123101   1,092,694 2,982 SH   SOLE   2,982 0 0
Cencora Inc Equities 03073E105   243,476 1,002 SH   SOLE   1,002 0 0
Chevron Corp Equities 166764100   7,230,171 45,836 SH   SOLE   44,531 110 1,195
Chubb LTD Corp Equities H1467J104   415,904 1,605 SH   SOLE   1,605 0 0
Cisco Systems Inc Equities 17275R102   14,923 299 SH   DFND   299 0 0
Cisco Systems Inc Equities 17275R102   3,226,731 64,651 SH   SOLE   64,411 200 40
Clorox Company Equities 189054109   655,770 4,283 SH   SOLE   4,143 0 140
Coca-Cola Company Equities 191216100   134,596 2,200 SH   DFND   2,200 0 0
Coca-Cola Company Equities 191216100   5,257,993 85,943 SH   SOLE   85,629 284 30
Colgate-Palmolive Co Equities 194162103   604,416 6,712 SH   SOLE   6,712 0 0
Comcast Corp Class A Equities 20030N101   14,956 345 SH   DFND   345 0 0
Comcast Corp Class A Equities 20030N101   4,989,195 115,091 SH   SOLE   114,583 508 0
Communication Services SPDR Equities 81369Y852   854,899 10,469 SH   SOLE   10,469 0 0
Costco Wholesale Corp Equities 22160K105   388,294 530 SH   SOLE   530 0 0
CSX Corp Equities 126408103   277,988 7,499 SH   SOLE   7,499 0 0
CVS Health Corp Equities 126650100   7,366,953 92,364 SH   SOLE   91,408 350 606
Darden Restaurants Inc Equities 237194105   542,402 3,245 SH   SOLE   3,245 0 0
Deere & Co Equities 244199105   574,215 1,398 SH   SOLE   1,398 0 0
Dimensional US Marketwide Value Equities 25434V724   1,552,319 37,954 SH   SOLE   37,954 0 0
Duke Energy Corp Equities 26441C204   2,935,342 30,352 SH   SOLE   29,985 77 290
Dupont De Nemours Inc Equities 26614N102   204,096 2,662 SH   SOLE   2,662 0 0
Ecolab Inc Equities 278865100   11,314 49 SH   DFND   49 0 0
Ecolab Inc Equities 278865100   2,612,634 11,315 SH   SOLE   11,287 28 0
Eli Lilly & Co. Equities 532457108   2,392,227 3,075 SH   SOLE   3,075 0 0
Emerson Electric Co Equities 291011104   582,298 5,134 SH   SOLE   5,134 0 0
Enbridge Inc Equities 29250N105   219,757 6,074 SH   SOLE   6,074 0 0
Estee Lauder Companies Inc Clas Equities 518439104   245,715 1,594 SH   SOLE   1,594 0 0
Exxon Mobil Corp Equities 30231G102   4,408,402 37,925 SH   SOLE   36,525 0 1,400
Flexshares Glb. Upstream Ntrl. Equities 33939L407   7,680 187 SH   DFND   187 0 0
Flexshares Glb. Upstream Ntrl. Equities 33939L407   11,371,667 276,885 SH   SOLE   275,929 775 181
Flexshares Yr. TIPS ETF Equities 33939L605   4,990 211 SH   DFND   211 0 0
Flexshares Yr. TIPS ETF Equities 33939L605   6,670,695 282,059 SH   SOLE   281,276 591 192
General Dynamics Corp Equities 369550108   15,254 54 SH   DFND   54 0 0
General Dynamics Corp Equities 369550108   2,835,070 10,036 SH   SOLE   9,903 33 100
General Mills Inc Equities 370334104   471,248 6,735 SH   SOLE   6,735 0 0
Genuine Parts Co Equities 372460105   285,381 1,842 SH   SOLE   1,842 0 0
Hershey Co Foods Equities 427866108   217,451 1,118 SH   SOLE   1,118 0 0
Home Depot Inc Equities 437076102   92,064 240 SH   DFND   240 0 0
Home Depot Inc Equities 437076102   8,884,176 23,160 SH   SOLE   22,904 61 195
Honeywell International Inc Equities 438516106   32,224 157 SH   DFND   157 0 0
Honeywell International Inc Equities 438516106   5,757,673 28,052 SH   SOLE   27,822 95 135
Howmet Aerospace Inc Equities 443201108   230,609 3,370 SH   SOLE   3,370 0 0
Intel Corporation Equities 458140100   23,852 540 SH   DFND   540 0 0
Intel Corporation Equities 458140100   2,080,584 47,104 SH   SOLE   46,834 220 50
International Business Machines Equities 459200101   12,603 66 SH   DFND   66 0 0
International Business Machines Equities 459200101   3,895,966 20,402 SH   SOLE   20,353 49 0
Invesco Bulletshares 2024 Munic Equities 46138J536   10,036 405 SH   DFND   405 0 0
Invesco Bulletshares 2024 Munic Equities 46138J536   1,435,183 57,917 SH   SOLE   57,917 0 0
Invesco Bulletshares 2025 Munic Equities 46138J528   9,687 398 SH   DFND   398 0 0
Invesco Bulletshares 2025 Munic Equities 46138J528   1,266,508 52,034 SH   SOLE   52,034 0 0
Invesco Bulletshares 2026 Munic Equities 46138J510   9,567 406 SH   DFND   406 0 0
Invesco Bulletshares 2026 Munic Equities 46138J510   1,524,356 64,687 SH   SOLE   64,687 0 0
Invesco Bulletshares 2027 Munic Equities 46138J494   5,062 214 SH   DFND   214 0 0
Invesco Bulletshares 2027 Munic Equities 46138J494   1,085,812 45,902 SH   SOLE   45,902 0 0
Invesco Bulletshares 2028 Munic Equities 46138J486   5,095 217 SH   DFND   217 0 0
Invesco Bulletshares 2028 Munic Equities 46138J486   1,120,231 47,710 SH   SOLE   47,710 0 0
Invesco Bulletshares 2029 Munic Equities 46138J478   5,113 220 SH   DFND   220 0 0
Invesco Bulletshares 2029 Munic Equities 46138J478   975,778 41,987 SH   SOLE   41,987 0 0
Invesco BulletShares 2030 Munic Equities 46138J445   9,467 428 SH   DFND   428 0 0
Invesco BulletShares 2030 Munic Equities 46138J445   1,159,287 52,409 SH   SOLE   52,409 0 0
Invesco Bulletshares 2031 Munic Equities 46138J411   819,647 38,463 SH   SOLE   38,463 0 0
Invesco QQQ Trust Series I Equities 46090E103   559,897 1,261 SH   SOLE   1,261 0 0
Invesco S&P 500 Equal Weight ET Equities 46137V357   5,081 30 SH   DFND   30 0 0
Invesco S&P 500 Equal Weight ET Equities 46137V357   1,878,652 11,092 SH   SOLE   11,036 0 56
iShares 1-3 Year Treasury Bond Equities 464287457   694,230 8,489 SH   SOLE   8,489 0 0
iShares Core MSCI Emerging Mark Equities 46434G103   282,149 5,468 SH   SOLE   5,468 0 0
iShares Core S&P 500 ETF Equities 464287200   887,432 1,688 SH   SOLE   1,688 0 0
iShares Core S&P Mid-Cap ETF Equities 464287507   598,168 9,848 SH   SOLE   9,848 0 0
iShares Core S&P Small-Cap ETF Equities 464287804   245,244 2,219 SH   SOLE   2,219 0 0
iShares ESG Aware Aggregate Bon Equities 46435U549   202,970 4,313 SH   SOLE   4,313 0 0
iShares ESG Aware MSCI EAFE ETF Equities 46435G516   282,002 3,529 SH   SOLE   3,529 0 0
iShares ESG Aware MSCI USA ETF Equities 46435G425   380,518 3,310 SH   SOLE   3,310 0 0
iShares ESG Aware Small Cap ETF Equities 46435U663   274,360 6,813 SH   SOLE   6,813 0 0
iShares GNMA Bond ETF Equities 46429B333   1,487,930 34,292 SH   SOLE   34,292 0 0
iShares iBonds 2024 Corporate E Equities 46434VBG4   1,411,041 56,329 SH   SOLE   56,329 0 0
iShares iBonds 2025 Corporate E Equities 46434VBD1   1,066,557 42,989 SH   SOLE   42,989 0 0
iShares iBonds 2026 Corporate E Equities 46435GAA0   1,289,832 54,081 SH   SOLE   54,081 0 0
iShares iBonds 2027 Corporate E Equities 46435UAA9   1,098,156 46,141 SH   SOLE   46,141 0 0
iShares iBonds 2028 Corporate E Equities 46435U515   1,118,907 44,927 SH   SOLE   44,927 0 0
iShares iBonds 2029 Corporate E Equities 46436E205   792,356 34,722 SH   SOLE   34,722 0 0
iShares iBonds 2030 Corporate E Equities 46436E726   888,678 41,527 SH   SOLE   41,527 0 0
iShares iBonds 2031 Corporate E Equities 46436E486   629,863 30,740 SH   SOLE   30,740 0 0
iShares iBonds 2032 Corporate E Equities 46436E312   246,338 9,929 SH   SOLE   9,929 0 0
iShares MBS ETF Equities 464288588   1,485,929 16,078 SH   SOLE   16,078 0 0
iShares MSCI EAFE Index - ETF Equities 464287465   210,751 2,639 SH   SOLE   2,639 0 0
iShares Russell 1000 ETF Equities 464287622   489,651 1,700 SH   SOLE   1,700 0 0
iShares Russell 1000 Growth ETF Equities 464287614   985,197 2,923 SH   SOLE   2,923 0 0
iShares Russell 1000 Value ETF Equities 464287598   372,549 2,080 SH   SOLE   2,080 0 0
iShares Russell 2000 ETF Equities 464287655   1,198,289 5,698 SH   SOLE   5,698 0 0
iShares Russell Mid-Cap ETF Equities 464287499   1,359,988 16,173 SH   SOLE   16,173 0 0
iShares S&P 500 Growth ETF Equities 464287309   289,291 3,426 SH   SOLE   3,426 0 0
iShares S&P Mid-Cap 400 Growth Equities 464287606   264,351 2,897 SH   SOLE   2,897 0 0
iShares S&P National Municipal Equities 464288414   483,447 4,493 SH   SOLE   4,493 0 0
iShares Select Dividend ETF Equities 464287168   8,499 69 SH   DFND   69 0 0
iShares Select Dividend ETF Equities 464287168   1,449,705 11,769 SH   SOLE   11,769 0 0
iShares Trust Core US Aggregate Equities 464287226   385,884 3,940 SH   SOLE   3,940 0 0
iShares US Treasury Bond ETF Equities 46429B267   391,712 17,203 SH   SOLE   17,203 0 0
Johnson & Johnson Equities 478160104   7,910 50 SH   DFND   50 0 0
Johnson & Johnson Equities 478160104   9,587,105 60,605 SH   SOLE   60,138 172 295
JP Morgan Chase Equities 46625H100   86,129 430 SH   DFND   430 0 0
JP Morgan Chase Equities 46625H100   13,886,999 69,331 SH   SOLE   69,023 48 260
Kimberly-Clark Corp Equities 494368103   658,133 5,088 SH   SOLE   5,088 0 0
KLA Corporation Equities 482480100   282,921 405 SH   SOLE   405 0 0
Lockheed Martin Corp Equities 539830109   322,048 708 SH   SOLE   708 0 0
Lowe's Companies Inc Equities 548661107   1,911,749 7,505 SH   SOLE   7,305 0 200
Mastercard Inc Class A Equities 57636Q104   4,694,826 9,749 SH   SOLE   9,337 0 412
McDonald's Corp Equities 580135101   14,098 50 SH   DFND   50 0 0
McDonald's Corp Equities 580135101   7,280,231 25,821 SH   SOLE   25,619 67 135
Medtronic Plc Corp Equities G5960L103   3,733,942 42,845 SH   SOLE   42,447 193 205
Merck & Co Inc Equities 58933Y105   3,299 25 SH   DFND   25 0 0
Merck & Co Inc Equities 58933Y105   1,614,012 12,232 SH   SOLE   12,057 0 175
Meta Platforms Inc Equities 30303M102   436,051 898 SH   SOLE   898 0 0
Microsoft Corp Equities 594918104   189,324 450 SH   DFND   450 0 0
Microsoft Corp Equities 594918104   21,325,035 50,687 SH   SOLE   50,293 127 267
Mondelez International Inc A Equities 609207105   12,390 177 SH   DFND   177 0 0
Mondelez International Inc A Equities 609207105   2,078,370 29,691 SH   SOLE   29,554 137 0
Morgan Stanley Corp Equities 617446448   345,944 3,674 SH   SOLE   3,674 0 0
Nextera Energy Inc Equities 65339F101   3,993,800 62,491 SH   SOLE   62,062 179 250
Nike Inc Class B Equities 654106103   3,759 40 SH   DFND   40 0 0
Nike Inc Class B Equities 654106103   726,935 7,735 SH   SOLE   7,735 0 0
Norfolk Southern Corp Equities 655844108   5,352 21 SH   DFND   21 0 0
Norfolk Southern Corp Equities 655844108   6,721,177 26,371 SH   SOLE   26,309 62 0
Novartis Ag ADR Equities 66987V109   277,422 2,868 SH   SOLE   2,868 0 0
NVIDIA Corp Equities 67066G104   1,967,954 2,178 SH   SOLE   2,178 0 0
NXP Semiconductors NV Equities N6596X109   209,861 847 SH   SOLE   847 0 0
Opko Health Inc Equities 68375N103   60,360 50,300 SH   SOLE   50,300 0 0
Oracle Corporation Equities 68389X105   676,912 5,389 SH   SOLE   5,389 0 0
Otis Worldwide Corp Equities 68902V107   4,467 45 SH   DFND   45 0 0
Otis Worldwide Corp Equities 68902V107   332,555 3,350 SH   SOLE   3,350 0 0
Pepsico Inc Equities 713448108   2,863,164 16,360 SH   SOLE   16,035 0 325
Pfizer Inc Equities 717081103   7,382 266 SH   DFND   266 0 0
Pfizer Inc Equities 717081103   2,906,591 104,742 SH   SOLE   103,714 203 825
PNC Financial Services Group Equities 693475105   406,262 2,514 SH   SOLE   2,514 0 0
PPG Industries Inc Equities 693506107   623,070 4,300 SH   SOLE   4,300 0 0
Procter & Gamble Co Equities 742718109   257,329 1,586 SH   DFND   1,586 0 0
Procter & Gamble Co Equities 742718109   8,495,410 52,360 SH   SOLE   51,907 88 365
Raytheon Technologies Corp Equities 75513E101   18,531 190 SH   DFND   190 0 0
Raytheon Technologies Corp Equities 75513E101   789,603 8,096 SH   SOLE   8,096 0 0
Realty Income Corp REIT Equities 756109104   27,050 500 SH   DFND   500 0 0
Realty Income Corp REIT Equities 756109104   300,958 5,563 SH   SOLE   5,188 0 375
Shoshone Silver Mining Company Equities 825356108   1 10,000 SH   SOLE   10,000 0 0
Southern Company Equities 842587107   1,253,226 17,469 SH   SOLE   17,194 0 275
SPDR Dow Jones Industrial Avera Equities 78467X109   595,447 1,497 SH   SOLE   1,497 0 0
SPDR S&P 500 ETF Equities 78462F103   3,428,201 6,554 SH   SOLE   6,554 0 0
Starbucks Corp Equities 855244109   33,357 365 SH   DFND   365 0 0
Starbucks Corp Equities 855244109   5,307,840 58,079 SH   SOLE   57,819 200 60
T Rowe Price Group Inc. Equities 74144T108   417,088 3,421 SH   SOLE   3,396 0 25
Target Co Equities 87612E106   5,671 32 SH   DFND   32 0 0
Target Co Equities 87612E106   3,719,283 20,988 SH   SOLE   20,858 105 25
Technology Select Sector SPDR - Equities 81369Y803   401,753 1,929 SH   SOLE   1,929 0 0
TJX Companies Inc Equities 872540109   431,136 4,251 SH   SOLE   4,251 0 0
Truist Financial Corp Equities 89832Q109   1,801,227 46,209 SH   SOLE   46,209 0 0
U.S. Bancorp Equities 902973304   205,352 4,594 SH   SOLE   4,244 0 350
Union Pacific Corp Equities 907818108   968,964 3,940 SH   SOLE   3,940 0 0
United Parcel Service Inc Class Equities 911312106   29,726 200 SH   DFND   200 0 0
United Parcel Service Inc Class Equities 911312106   4,307,446 28,981 SH   SOLE   28,561 70 350
UnitedHealth Group Inc Equities 91324P102   2,720,850 5,500 SH   SOLE   5,474 26 0
Vanguard Developed Markets Inde Equities 921943858   715,625 14,264 SH   SOLE   14,264 0 0
Vanguard Dividend Appreciation Equities 921908844   596,039 3,264 SH   SOLE   3,264 0 0
Vanguard Extended Markets ETF Equities 922908652   204,540 1,167 SH   SOLE   1,167 0 0
Vanguard Growth Index ETF Equities 922908736   899,739 2,614 SH   SOLE   2,614 0 0
Vanguard Idx Total Stock Market Equities 922908769   295,766 1,138 SH   SOLE   1,138 0 0
Vanguard Information Technology Equities 92204A702   26,217 50 SH   DFND   50 0 0
Vanguard Information Technology Equities 92204A702   4,119,739 7,857 SH   SOLE   7,592 0 265
Vanguard Large Cap Index ETF Equities 922908637   740,139 3,087 SH   SOLE   3,087 0 0
Vanguard Mid-Cap Index ETF Equities 922908629   1,036,419 4,148 SH   SOLE   4,148 0 0
Vanguard REIT Index ETF Equities 922908553   543,527 6,285 SH   SOLE   6,285 0 0
Vanguard S&P 500 ETF Equities 922908363   815,267 1,696 SH   SOLE   1,696 0 0
Vanguard Small-Cap Grwth ETF Equities 922908595   228,912 878 SH   SOLE   878 0 0
Vanguard Small-Cap Index ETF Equities 922908751   627,480 2,745 SH   SOLE   2,745 0 0
Vanguard Value Index ETF Equities 922908744   355,035 2,180 SH   SOLE   2,180 0 0
Verizon Communications Inc Equities 92343V104   44,687 1,065 SH   DFND   1,065 0 0
Verizon Communications Inc Equities 92343V104   358,464 8,543 SH   SOLE   8,543 0 0
Visa Inc Class A Equities 92826C839   11,163 40 SH   DFND   40 0 0
Visa Inc Class A Equities 92826C839   6,765,178 24,241 SH   SOLE   23,679 17 545
Walgreens Boots Alliance Inc Equities 931427108   32,535 1,500 SH   DFND   1,500 0 0
Walgreens Boots Alliance Inc Equities 931427108   243,731 11,237 SH   SOLE   11,237 0 0
Walmart Stores Inc Equities 931142103   1,224,580 20,352 SH   SOLE   20,352 0 0
Walt Disney Co Equities 254687106   5,803,168 47,427 SH   SOLE   46,916 251 260
Wisdomtree Global Ex-US Quality Equities 97717W802   908,676 22,929 SH   SOLE   22,929 0 0
Wisdomtree US Midcap Dividend F Equities 97717W505   5,511 113 SH   DFND   113 0 0
Wisdomtree US Midcap Dividend F Equities 97717W505   2,131,639 43,708 SH   SOLE   43,708 0 0
Wisdomtree US Smallcap Dividend Equities 97717W604   1,678,281 51,355 SH   SOLE   51,355 0 0