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   114,301 1,100 SH   DFND   1,100 0 0
Abbott Laboratories Equities 002824100   441,929 4,253 SH   SOLE   4,253 0 0
Abbvie Inc Equities 00287Y109   171,520 1,000 SH   DFND   1,000 0 0
Abbvie Inc Equities 00287Y109   810,604 4,726 SH   SOLE   4,726 0 0
Accenture Plc Class A Equities G1151C101   5,461 18 SH   DFND   18 0 0
Accenture Plc Class A Equities G1151C101   5,693,489 18,765 SH   SOLE   18,626 59 80
Allstate Corp Equities 020002101   7,823 49 SH   DFND   49 0 0
Allstate Corp Equities 020002101   4,341,794 27,194 SH   SOLE   27,144 50 0
Alphabet Inc Class A Equities 02079K305   842,990 4,628 SH   SOLE   4,628 0 0
Alphabet Inc Class C Equities 02079K107   1,637,390 8,927 SH   SOLE   8,927 0 0
Amazon.com Inc Equities 023135106   1,481,455 7,666 SH   SOLE   7,666 0 0
Amgen Inc Equities 031162100   11,873 38 SH   DFND   38 0 0
Amgen Inc Equities 031162100   727,071 2,327 SH   SOLE   2,327 0 0
Apple Inc. Equities 037833100   60,237 286 SH   DFND   286 0 0
Apple Inc. Equities 037833100   19,442,543 92,311 SH   SOLE   91,819 257 235
AT&T Inc Equities 00206R102   50,393 2,637 SH   DFND   2,637 0 0
AT&T Inc Equities 00206R102   2,678,343 140,154 SH   SOLE   139,579 500 75
Automatic Data Processing Equities 053015103   261,843 1,097 SH   SOLE   1,097 0 0
Bank of New York Mellon Corp Equities 064058100   5,989 100 SH   DFND   100 0 0
Bank of New York Mellon Corp Equities 064058100   495,530 8,274 SH   SOLE   8,274 0 0
Berkshire Hathaway Inc Class B Equities 084670702   1,315,184 3,233 SH   SOLE   3,233 0 0
Blackrock Inc Equities 09247X101   7,873 10 SH   DFND   10 0 0
Blackrock Inc Equities 09247X101   5,979,695 7,595 SH   SOLE   7,554 11 30
Bristol-Myers Squibb Co Equities 110122108   70,601 1,700 SH   DFND   1,700 0 0
Bristol-Myers Squibb Co Equities 110122108   366,918 8,835 SH   SOLE   8,835 0 0
Broadcom Ltd Equities 11135F101   9,503,132 5,919 SH   SOLE   5,891 28 0
Carrier Global Corp Equities 14448C104   5,677 90 SH   DFND   90 0 0
Carrier Global Corp Equities 14448C104   422,636 6,700 SH   SOLE   6,700 0 0
Caterpillar Inc Equities 149123101   958,662 2,878 SH   SOLE   2,878 0 0
Cencora Inc Equities 03073E105   223,498 992 SH   SOLE   992 0 0
Chevron Corp Equities 166764100   7,202,202 46,044 SH   SOLE   44,739 110 1,195
Chubb LTD Corp Equities H1467J104   375,478 1,472 SH   SOLE   1,472 0 0
Cisco Systems Inc Equities 17275R102   14,205 299 SH   DFND   299 0 0
Cisco Systems Inc Equities 17275R102   3,050,570 64,209 SH   SOLE   63,969 200 40
Clorox Company Equities 189054109   567,715 4,160 SH   SOLE   4,020 0 140
Coca-Cola Company Equities 191216100   140,030 2,200 SH   DFND   2,200 0 0
Coca-Cola Company Equities 191216100   5,202,624 81,738 SH   SOLE   81,424 284 30
Colgate-Palmolive Co Equities 194162103   644,054 6,637 SH   SOLE   6,637 0 0
Comcast Corp Class A Equities 20030N101   13,510 345 SH   DFND   345 0 0
Comcast Corp Class A Equities 20030N101   4,605,059 117,596 SH   SOLE   117,088 508 0
Communication Services SPDR Equities 81369Y852   896,775 10,469 SH   SOLE   10,469 0 0
Costco Wholesale Corp Equities 22160K105   426,695 502 SH   SOLE   502 0 0
CSX Corp Equities 126408103   250,842 7,499 SH   SOLE   7,499 0 0
CVS Health Corp Equities 126650100   5,777,072 97,817 SH   SOLE   96,861 350 606
Darden Restaurants Inc Equities 237194105   531,890 3,515 SH   SOLE   3,515 0 0
Deere & Co Equities 244199105   516,730 1,383 SH   SOLE   1,383 0 0
Dimensional US Marketwide Value Equities 25434V724   1,429,703 36,407 SH   SOLE   36,407 0 0
Duke Energy Corp Equities 26441C204   3,030,755 30,238 SH   SOLE   29,871 77 290
Dupont De Nemours Inc Equities 26614N102   214,264 2,662 SH   SOLE   2,662 0 0
Ecolab Inc Equities 278865100   11,662 49 SH   DFND   49 0 0
Ecolab Inc Equities 278865100   2,585,156 10,862 SH   SOLE   10,834 28 0
Eli Lilly & Co. Equities 532457108   2,743,301 3,030 SH   SOLE   3,030 0 0
Emerson Electric Co Equities 291011104   565,561 5,134 SH   SOLE   5,134 0 0
Enbridge Inc Equities 29250N105   214,892 6,038 SH   SOLE   6,038 0 0
Exxon Mobil Corp Equities 30231G102   4,311,704 37,454 SH   SOLE   36,054 0 1,400
Flexshares Glb. Upstream Ntrl. Equities 33939L407   7,145 178 SH   DFND   178 0 0
Flexshares Glb. Upstream Ntrl. Equities 33939L407   10,678,805 266,039 SH   SOLE   265,092 775 172
Flexshares Yr. TIPS ETF Equities 33939L605   4,235 181 SH   DFND   181 0 0
Flexshares Yr. TIPS ETF Equities 33939L605   6,534,450 279,250 SH   SOLE   278,490 591 169
General Dynamics Corp Equities 369550108   15,668 54 SH   DFND   54 0 0
General Dynamics Corp Equities 369550108   2,938,538 10,128 SH   SOLE   9,995 33 100
General Mills Inc Equities 370334104   424,791 6,715 SH   SOLE   6,715 0 0
Genuine Parts Co Equities 372460105   249,944 1,807 SH   SOLE   1,807 0 0
Hershey Co Foods Equities 427866108   205,522 1,118 SH   SOLE   1,118 0 0
Home Depot Inc Equities 437076102   82,618 240 SH   DFND   240 0 0
Home Depot Inc Equities 437076102   8,019,759 23,297 SH   SOLE   23,041 61 195
Honeywell International Inc Equities 438516106   33,526 157 SH   DFND   157 0 0
Honeywell International Inc Equities 438516106   6,034,000 28,257 SH   SOLE   28,027 95 135
Howmet Aerospace Inc Equities 443201108   261,613 3,370 SH   SOLE   3,370 0 0
Intel Corporation Equities 458140100   16,724 540 SH   DFND   540 0 0
Intel Corporation Equities 458140100   1,492,042 48,177 SH   SOLE   47,907 220 50
International Business Machines Equities 459200101   11,415 66 SH   DFND   66 0 0
International Business Machines Equities 459200101   3,917,145 22,649 SH   SOLE   22,600 49 0
Invesco Bulletshares 2024 Munic Equities 46138J536   10,052 405 SH   DFND   405 0 0
Invesco Bulletshares 2024 Munic Equities 46138J536   1,402,131 56,492 SH   SOLE   56,492 0 0
Invesco Bulletshares 2025 Munic Equities 46138J528   9,667 398 SH   DFND   398 0 0
Invesco Bulletshares 2025 Munic Equities 46138J528   1,236,458 50,904 SH   SOLE   50,904 0 0
Invesco Bulletshares 2026 Munic Equities 46138J510   9,539 406 SH   DFND   406 0 0
Invesco Bulletshares 2026 Munic Equities 46138J510   1,499,453 63,819 SH   SOLE   63,819 0 0
Invesco Bulletshares 2027 Munic Equities 46138J494   5,025 214 SH   DFND   214 0 0
Invesco Bulletshares 2027 Munic Equities 46138J494   1,062,540 45,253 SH   SOLE   45,253 0 0
Invesco Bulletshares 2028 Munic Equities 46138J486   5,041 217 SH   DFND   217 0 0
Invesco Bulletshares 2028 Munic Equities 46138J486   1,107,049 47,656 SH   SOLE   47,656 0 0
Invesco Bulletshares 2029 Munic Equities 46138J478   5,041 220 SH   DFND   220 0 0
Invesco Bulletshares 2029 Munic Equities 46138J478   987,614 43,099 SH   SOLE   43,099 0 0
Invesco BulletShares 2030 Munic Equities 46138J445   9,318 428 SH   DFND   428 0 0
Invesco BulletShares 2030 Munic Equities 46138J445   1,135,329 52,147 SH   SOLE   52,147 0 0
Invesco Bulletshares 2031 Munic Equities 46138J411   860,387 41,049 SH   SOLE   41,049 0 0
Invesco QQQ Trust Series I Equities 46090E103   596,971 1,246 SH   SOLE   1,246 0 0
Invesco S&P 500 Equal Weight ET Equities 46137V357   5,421 33 SH   DFND   33 0 0
Invesco S&P 500 Equal Weight ET Equities 46137V357   1,990,909 12,119 SH   SOLE   12,064 0 55
iShares 1-3 Year Treasury Bond Equities 464287457   685,942 8,401 SH   SOLE   8,401 0 0
iShares Core MSCI Emerging Mark Equities 46434G103   292,702 5,468 SH   SOLE   5,468 0 0
iShares Core S&P 500 ETF Equities 464287200   918,252 1,678 SH   SOLE   1,678 0 0
iShares Core S&P Mid-Cap ETF Equities 464287507   574,257 9,813 SH   SOLE   9,813 0 0
iShares Core S&P Small-Cap ETF Equities 464287804   235,719 2,210 SH   SOLE   2,210 0 0
iShares ESG Aware Aggregate Bon Equities 46435U549   209,046 4,485 SH   SOLE   4,485 0 0
iShares ESG Aware MSCI EAFE ETF Equities 46435G516   279,748 3,551 SH   SOLE   3,551 0 0
iShares ESG Aware MSCI USA ETF Equities 46435G425   403,660 3,383 SH   SOLE   3,383 0 0
iShares ESG Aware Small Cap ETF Equities 46435U663   273,812 7,112 SH   SOLE   7,112 0 0
iShares GNMA Bond ETF Equities 46429B333   1,476,956 34,292 SH   SOLE   34,292 0 0
iShares iBonds 2024 Corporate E Equities 46434VBG4   1,404,717 55,898 SH   SOLE   55,898 0 0
iShares iBonds 2025 Corporate E Equities 46434VBD1   1,026,519 41,292 SH   SOLE   41,292 0 0
iShares iBonds 2026 Corporate E Equities 46435GAA0   1,253,123 52,608 SH   SOLE   52,608 0 0
iShares iBonds 2027 Corporate E Equities 46435UAA9   1,060,043 44,671 SH   SOLE   44,671 0 0
iShares iBonds 2028 Corporate E Equities 46435U515   1,070,881 43,233 SH   SOLE   43,233 0 0
iShares iBonds 2029 Corporate E Equities 46436E205   859,034 37,893 SH   SOLE   37,893 0 0
iShares iBonds 2030 Corporate E Equities 46436E726   913,797 42,982 SH   SOLE   42,982 0 0
iShares iBonds 2031 Corporate E Equities 46436E486   679,066 33,468 SH   SOLE   33,468 0 0
iShares iBonds 2032 Corporate E Equities 46436E312   379,747 15,462 SH   SOLE   15,462 0 0
iShares MBS ETF Equities 464288588   1,476,121 16,078 SH   SOLE   16,078 0 0
iShares MSCI EAFE Index - ETF Equities 464287465   218,619 2,791 SH   SOLE   2,791 0 0
iShares Russell 1000 ETF Equities 464287622   505,818 1,700 SH   SOLE   1,700 0 0
iShares Russell 1000 Growth ETF Equities 464287614   1,062,182 2,914 SH   SOLE   2,914 0 0
iShares Russell 1000 Value ETF Equities 464287598   319,804 1,833 SH   SOLE   1,833 0 0
iShares Russell 2000 ETF Equities 464287655   1,135,778 5,598 SH   SOLE   5,598 0 0
iShares Russell Mid-Cap ETF Equities 464287499   1,295,091 15,973 SH   SOLE   15,973 0 0
iShares S&P 500 Growth ETF Equities 464287309   419,391 4,532 SH   SOLE   4,532 0 0
iShares S&P Mid-Cap 400 Growth Equities 464287606   253,845 2,881 SH   SOLE   2,881 0 0
iShares S&P National Municipal Equities 464288414   478,729 4,493 SH   SOLE   4,493 0 0
iShares Select Dividend ETF Equities 464287168   8,348 69 SH   DFND   69 0 0
iShares Select Dividend ETF Equities 464287168   1,397,924 11,555 SH   SOLE   11,555 0 0
iShares Trust Core US Aggregate Equities 464287226   382,456 3,940 SH   SOLE   3,940 0 0
iShares US Treasury Bond ETF Equities 46429B267   403,619 17,883 SH   SOLE   17,883 0 0
Johnson & Johnson Equities 478160104   7,308 50 SH   DFND   50 0 0
Johnson & Johnson Equities 478160104   8,788,601 60,130 SH   SOLE   59,663 172 295
JP Morgan Chase Equities 46625H100   86,972 430 SH   DFND   430 0 0
JP Morgan Chase Equities 46625H100   14,154,155 69,980 SH   SOLE   69,672 48 260
Kimberly-Clark Corp Equities 494368103   698,048 5,051 SH   SOLE   5,051 0 0
KLA Corporation Equities 482480100   347,943 422 SH   SOLE   422 0 0
Lockheed Martin Corp Equities 539830109   323,233 692 SH   SOLE   692 0 0
Lowe's Companies Inc Equities 548661107   1,648,379 7,477 SH   SOLE   7,277 0 200
Mastercard Inc Class A Equities 57636Q104   4,253,665 9,642 SH   SOLE   9,230 0 412
McDonald's Corp Equities 580135101   12,742 50 SH   DFND   50 0 0
McDonald's Corp Equities 580135101   6,589,398 25,857 SH   SOLE   25,655 67 135
Medtronic Plc Corp Equities G5960L103   3,514,952 44,657 SH   SOLE   44,259 193 205
Merck & Co Inc Equities 58933Y105   3,095 25 SH   DFND   25 0 0
Merck & Co Inc Equities 58933Y105   1,501,818 12,131 SH   SOLE   11,956 0 175
Meta Platforms Inc Equities 30303M102   450,268 893 SH   SOLE   893 0 0
Microsoft Corp Equities 594918104   201,128 450 SH   DFND   450 0 0
Microsoft Corp Equities 594918104   22,210,733 49,694 SH   SOLE   49,300 127 267
Mondelez International Inc A Equities 609207105   11,583 177 SH   DFND   177 0 0
Mondelez International Inc A Equities 609207105   1,909,277 29,176 SH   SOLE   29,039 137 0
Morgan Stanley Corp Equities 617446448   356,687 3,670 SH   SOLE   3,670 0 0
Nextera Energy Inc Equities 65339F101   4,513,571 63,742 SH   SOLE   63,313 179 250
Nike Inc Class B Equities 654106103   3,015 40 SH   DFND   40 0 0
Nike Inc Class B Equities 654106103   605,372 8,032 SH   SOLE   8,032 0 0
Norfolk Southern Corp Equities 655844108   4,508 21 SH   DFND   21 0 0
Norfolk Southern Corp Equities 655844108   5,652,788 26,330 SH   SOLE   26,268 62 0
Novartis Ag ADR Equities 66987V109   302,666 2,843 SH   SOLE   2,843 0 0
NVIDIA Corp Equities 67066G104   2,653,639 21,480 SH   SOLE   21,480 0 0
NXP Semiconductors NV Equities N6596X109   241,912 899 SH   SOLE   899 0 0
Opko Health Inc Equities 68375N103   62,875 50,300 SH   SOLE   50,300 0 0
Oracle Corporation Equities 68389X105   757,256 5,363 SH   SOLE   5,363 0 0
Otis Worldwide Corp Equities 68902V107   4,332 45 SH   DFND   45 0 0
Otis Worldwide Corp Equities 68902V107   322,471 3,350 SH   SOLE   3,350 0 0
Pepsico Inc Equities 713448108   2,655,868 16,103 SH   SOLE   15,778 0 325
Pfizer Inc Equities 717081103   7,443 266 SH   DFND   266 0 0
Pfizer Inc Equities 717081103   2,859,724 102,206 SH   SOLE   101,178 203 825
PNC Financial Services Group Equities 693475105   391,965 2,521 SH   SOLE   2,521 0 0
PPG Industries Inc Equities 693506107   541,327 4,300 SH   SOLE   4,300 0 0
Procter & Gamble Co Equities 742718109   261,563 1,586 SH   DFND   1,586 0 0
Procter & Gamble Co Equities 742718109   8,180,857 49,605 SH   SOLE   49,152 88 365
Raytheon Technologies Corp Equities 75513E101   19,074 190 SH   DFND   190 0 0
Raytheon Technologies Corp Equities 75513E101   775,312 7,723 SH   SOLE   7,723 0 0
Realty Income Corp REIT Equities 756109104   26,410 500 SH   DFND   500 0 0
Realty Income Corp REIT Equities 756109104   222,742 4,217 SH   SOLE   3,842 0 375
Shoshone Silver Mining Company Equities 825356108   1 10,000 SH   SOLE   10,000 0 0
Southern Company Equities 842587107   1,319,698 17,013 SH   SOLE   16,738 0 275
SPDR Dow Jones Industrial Avera Equities 78467X109   731,022 1,869 SH   SOLE   1,869 0 0
SPDR S&P 500 ETF Equities 78462F103   3,616,342 6,645 SH   SOLE   6,645 0 0
Starbucks Corp Equities 855244109   28,415 365 SH   DFND   365 0 0
Starbucks Corp Equities 855244109   4,734,526 60,816 SH   SOLE   60,556 200 60
T Rowe Price Group Inc. Equities 74144T108   354,117 3,071 SH   SOLE   3,046 0 25
Target Co Equities 87612E106   4,737 32 SH   DFND   32 0 0
Target Co Equities 87612E106   3,232,157 21,833 SH   SOLE   21,703 105 25
Technology Select Sector SPDR - Equities 81369Y803   413,775 1,829 SH   SOLE   1,829 0 0
TJX Companies Inc Equities 872540109   462,860 4,204 SH   SOLE   4,204 0 0
Truist Financial Corp Equities 89832Q109   2,134,225 54,935 SH   SOLE   54,935 0 0
Union Pacific Corp Equities 907818108   879,699 3,888 SH   SOLE   3,888 0 0
United Parcel Service Inc Class Equities 911312106   27,370 200 SH   DFND   200 0 0
United Parcel Service Inc Class Equities 911312106   3,991,367 29,166 SH   SOLE   28,746 70 350
UnitedHealth Group Inc Equities 91324P102   3,234,310 6,351 SH   SOLE   6,325 26 0
Vanguard Developed Markets Inde Equities 921943858   643,251 13,016 SH   SOLE   13,016 0 0
Vanguard Dividend Appreciation Equities 921908844   559,333 3,064 SH   SOLE   3,064 0 0
Vanguard Growth Index ETF Equities 922908736   874,435 2,338 SH   SOLE   2,338 0 0
Vanguard Idx Total Stock Market Equities 922908769   260,822 975 SH   SOLE   975 0 0
Vanguard Information Technology Equities 92204A702   28,830 50 SH   DFND   50 0 0
Vanguard Information Technology Equities 92204A702   4,459,347 7,734 SH   SOLE   7,469 0 265
Vanguard Large Cap Index ETF Equities 922908637   799,782 3,204 SH   SOLE   3,204 0 0
Vanguard Mid-Cap Index ETF Equities 922908629   1,046,840 4,324 SH   SOLE   4,324 0 0
Vanguard REIT Index ETF Equities 922908553   520,317 6,212 SH   SOLE   6,212 0 0
Vanguard S&P 500 ETF Equities 922908363   847,220 1,694 SH   SOLE   1,694 0 0
Vanguard Small-Cap Grwth ETF Equities 922908595   249,129 996 SH   SOLE   996 0 0
Vanguard Small-Cap Index ETF Equities 922908751   643,436 2,951 SH   SOLE   2,951 0 0
Vanguard Value Index ETF Equities 922908744   348,250 2,171 SH   SOLE   2,171 0 0
Verizon Communications Inc Equities 92343V104   43,921 1,065 SH   DFND   1,065 0 0
Verizon Communications Inc Equities 92343V104   348,973 8,462 SH   SOLE   8,462 0 0
Visa Inc Class A Equities 92826C839   10,499 40 SH   DFND   40 0 0
Visa Inc Class A Equities 92826C839   6,338,388 24,149 SH   SOLE   23,587 17 545
Walgreens Boots Alliance Inc Equities 931427108   18,143 1,500 SH   DFND   1,500 0 0
Walgreens Boots Alliance Inc Equities 931427108   135,912 11,237 SH   SOLE   11,237 0 0
Walmart Stores Inc Equities 931142103   1,347,564 19,902 SH   SOLE   19,902 0 0
Walt Disney Co Equities 254687106   4,927,465 49,627 SH   SOLE   49,116 251 260
Wisdomtree Global Ex-US Quality Equities 97717W802   863,539 22,503 SH   SOLE   22,503 0 0
Wisdomtree US Midcap Dividend F Equities 97717W505   5,285 113 SH   DFND   113 0 0
Wisdomtree US Midcap Dividend F Equities 97717W505   2,033,232 43,473 SH   SOLE   43,473 0 0
Wisdomtree US Smallcap Dividend Equities 97717W604   1,625,999 52,199 SH   SOLE   52,199 0 0