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 344 9,553 SH   SOLE 0 9,553 0 0
AFLAC, Inc. Com 001055102 14 400 SH   DFND 0 400 0 0
Alps - ETF Com 00162Q452 178 7,205 SH   SOLE 0 7,205 0 0
Alps - ETF Com 00162Q452 24 965 SH   DFND 0 965 0 0
AT&T Inc. Com Com 00206R102 5,013 165,843 SH   SOLE 0 165,778 0 65
AT&T Inc. Com Com 00206R102 587 19,418 SH   DFND 0 19,418 0 0
Abbott Laboratories Com 002824100 1,110 12,136 SH   SOLE 0 12,136 0 0
Abbott Laboratories Com 002824100 125 1,372 SH   DFND 0 1,372 0 0
AbbVie Inc Com 00287Y109 2,662 27,115 SH   SOLE 0 27,115 0 0
AbbVie Inc Com 00287Y109 418 4,260 SH   DFND 0 4,260 0 0
Adobe Systems Inc. Com 00724F101 1,420 3,261 SH   SOLE 0 3,261 0 0
Adobe Systems Inc. Com 00724F101 39 90 SH   DFND 0 90 0 0
Air Products & Chemicals Com 009158106 649 2,686 SH   SOLE 0 2,686 0 0
Alibaba Group Holding-SP ADR Com 01609W102 330 1,530 SH   SOLE 0 1,530 0 0
Alphabet Inc Cl C Com 02079K107 1,221 864 SH   SOLE 0 864 0 0
Alphabet Inc Cl C Com 02079K107 113 80 SH   DFND 0 80 0 0
Alphabet Inc. Cl A Com 02079K305 4,604 3,247 SH   SOLE 0 3,247 0 0
Alphabet Inc. Cl A Com 02079K305 150 106 SH   DFND 0 106 0 0
Altria Group Inc. Com 02209S103 749 19,085 SH   SOLE 0 19,085 0 0
Altria Group Inc. Com 02209S103 57 1,450 SH   DFND 0 1,450 0 0
Amazon.Com, Inc. Com 023135106 4,886 1,771 SH   SOLE 0 1,771 0 0
Amazon.Com, Inc. Com 023135106 450 163 SH   DFND 0 163 0 0
American Express Co Com 025816109 598 6,282 SH   SOLE 0 6,282 0 0
American Express Co Com 025816109 170 1,785 SH   DFND 0 1,785 0 0
Ameriprise Financial, Inc. Com 03076C106 532 3,545 SH   SOLE 0 3,545 0 0
Ameriprise Financial, Inc. Com 03076C106 2 15 SH   DFND 0 15 0 0
Amgen Inc. Com 031162100 1,455 6,170 SH   SOLE 0 6,170 0 0
Amgen Inc. Com 031162100 110 465 SH   DFND 0 465 0 0
Apple, Inc. Com 037833100 13,693 37,535 SH   SOLE 0 37,515 0 20
Apple, Inc. Com 037833100 1,106 3,033 SH   DFND 0 3,033 0 0
Applied Materials Inc. Com 038222105 2,693 44,549 SH   SOLE 0 44,509 0 40
Applied Materials Inc. Com 038222105 92 1,525 SH   DFND 0 1,525 0 0
Automatic Data Processing Com 053015103 1,120 7,522 SH   SOLE 0 7,522 0 0
Automatic Data Processing Com 053015103 95 640 SH   DFND 0 640 0 0
Bank Of America Corporation Com 060505104 1,888 79,492 SH   SOLE 0 79,492 0 0
Bank Of America Corporation Com 060505104 70 2,949 SH   DFND 0 2,949 0 0
Becton, Dickinson and Co. Com 075887109 452 1,888 SH   SOLE 0 1,888 0 0
Berkshire Hathaway, Inc. Cl A Com 084670108 802 3 SH   SOLE 0 3 0 0
Berkshire Hathaway Inc Cl B Com 084670702 637 3,567 SH   SOLE 0 3,547 0 20
Berkshire Hathaway Inc Cl B Com 084670702 18 100 SH   DFND 0 100 0 0
Berkshire Hills Bancorp Inc Com 084680107 168 15,281 SH   SOLE 0 15,281 0 0
BHP Group Limited Spon ADR Com 088606108 229 4,609 SH   SOLE 0 4,609 0 0
BHP Group Limited Spon ADR Com 088606108 3 60 SH   DFND 0 60 0 0
Biogen Inc. Com 09062X103 382 1,429 SH   SOLE 0 1,419 0 10
Biogen Inc. Com 09062X103 4 15 SH   DFND 0 15 0 0
Blackrock Inc Com 09247X101 1,013 1,861 SH   SOLE 0 1,861 0 0
Blackrock Inc Com 09247X101 44 80 SH   DFND 0 80 0 0
Boeing Co Com 097023105 623 3,398 SH   SOLE 0 3,398 0 0
Boeing Co Com 097023105 35 190 SH   DFND 0 190 0 0
Bristol Myers Squibb Co. Com 110122108 2,712 46,127 SH   SOLE 0 46,077 0 50
Bristol Myers Squibb Co. Com 110122108 355 6,032 SH   DFND 0 6,032 0 0
Cigna Corp Com 125523100 244 1,300 SH   SOLE 0 1,300 0 0
CVS Health Corp Com 126650100 2,244 34,538 SH   SOLE 0 34,493 0 45
CVS Health Corp Com 126650100 123 1,897 SH   DFND 0 1,897 0 0
Capital One Financial Corp. Com 14040H105 537 8,585 SH   SOLE 0 8,585 0 0
Capital One Financial Corp. Com 14040H105 52 825 SH   DFND 0 825 0 0
Caterpillar Inc. Com 149123101 920 7,275 SH   SOLE 0 7,275 0 0
Caterpillar Inc. Com 149123101 67 530 SH   DFND 0 530 0 0
Chevron Corp com Com 166764100 1,905 21,346 SH   SOLE 0 21,326 0 20
Chevron Corp com Com 166764100 181 2,026 SH   DFND 0 2,026 0 0
Cisco Systems, Inc. Com 17275R102 3,095 66,364 SH   SOLE 0 66,289 0 75
Cisco Systems, Inc. Com 17275R102 221 4,733 SH   DFND 0 4,733 0 0
Citrix Systems Inc Com 177376100 990 6,691 SH   SOLE 0 6,691 0 0
Coca Cola Com 191216100 1,144 25,615 SH   SOLE 0 25,615 0 0
Coca Cola Com 191216100 500 11,200 SH   DFND 0 11,200 0 0
Cognizant Tech Solutions-A Com 192446102 1,924 33,870 SH   SOLE 0 33,870 0 0
Cognizant Tech Solutions-A Com 192446102 24 425 SH   DFND 0 425 0 0
ComCast Corporation Cl A Com 20030N101 1,887 48,415 SH   SOLE 0 48,345 0 70
ComCast Corporation Cl A Com 20030N101 76 1,946 SH   DFND 0 1,946 0 0
Consolidated Edison Inc. Com 209115104 739 10,276 SH   SOLE 0 10,276 0 0
Consolidated Edison Inc. Com 209115104 333 4,625 SH   DFND 0 4,625 0 0
Corecare Sys Inc Com 218908101 0 10,000 SH   SOLE 0 10,000 0 0
Costco Wholesale Corporation Com 22160K105 616 2,030 SH   SOLE 0 2,020 0 10
Cummins, Inc. Com 231021106 866 4,996 SH   SOLE 0 4,996 0 0
Cummins, Inc. Com 231021106 25 146 SH   DFND 0 146 0 0
Danaher Corp. Com Com 235851102 534 3,018 SH   SOLE 0 3,018 0 0
Darden Restaurants Inc. Com 237194105 518 6,836 SH   SOLE 0 6,836 0 0
Darden Restaurants Inc. Com 237194105 60 790 SH   DFND 0 790 0 0
Deere & Co. Com 244199105 321 2,044 SH   SOLE 0 2,044 0 0
Deere & Co. Com 244199105 63 400 SH   DFND 0 400 0 0
The Walt Disney Company Com 254687106 2,027 18,176 SH   SOLE 0 18,176 0 0
The Walt Disney Company Com 254687106 127 1,141 SH   DFND 0 1,141 0 0
Dominion Energy Inc. Com 25746U109 1,654 20,376 SH   SOLE 0 20,376 0 0
Dominion Energy Inc. Com 25746U109 144 1,774 SH   DFND 0 1,774 0 0
Dow Inc Com 260557103 413 10,132 SH   SOLE 0 10,117 0 15
Dow Inc Com 260557103 71 1,744 SH   DFND 0 1,744 0 0
Duke Energy Corp Com 26441C204 2,336 29,242 SH   SOLE 0 29,242 0 0
Duke Energy Corp Com 26441C204 168 2,103 SH   DFND 0 2,103 0 0
Dupont De Nemours Inc Com 26614N102 1,125 21,179 SH   SOLE 0 21,164 0 15
Dupont De Nemours Inc Com 26614N102 104 1,958 SH   DFND 0 1,958 0 0
Emerson Electric Co Com 291011104 569 9,172 SH   SOLE 0 9,172 0 0
Emerson Electric Co Com 291011104 72 1,164 SH   DFND 0 1,164 0 0
Entergy Corp. Com 29364G103 714 7,613 SH   SOLE 0 7,613 0 0
Entergy Corp. Com 29364G103 108 1,148 SH   DFND 0 1,148 0 0
Exelon Corp. Com 30161N101 760 20,956 SH   SOLE 0 20,916 0 40
Exelon Corp. Com 30161N101 100 2,754 SH   DFND 0 2,754 0 0
Exxon Mobil Corporation Com 30231G102 1,605 35,880 SH   SOLE 0 35,880 0 0
Exxon Mobil Corporation Com 30231G102 203 4,536 SH   DFND 0 4,536 0 0
Facebook Inc Com 30303M102 2,663 11,728 SH   SOLE 0 11,728 0 0
Facebook Inc Com 30303M102 72 315 SH   DFND 0 315 0 0
General Electric Co Com 369604103 832 121,796 SH   SOLE 0 121,796 0 0
General Electric Co Com 369604103 101 14,755 SH   DFND 0 14,755 0 0
Gilead Sciences, Inc. Com 375558103 2,100 27,294 SH   SOLE 0 27,264 0 30
Gilead Sciences, Inc. Com 375558103 116 1,504 SH   DFND 0 1,504 0 0
Glaxosmithkline Plc Sponsored ADR Com 37733W105 12 300 SH   SOLE 0 300 0 0
Glaxosmithkline Plc Sponsored ADR Com 37733W105 353 8,650 SH   DFND 0 8,650 0 0
Goldman Sachs Group Inc. Com 38141G104 290 1,465 SH   SOLE 0 1,465 0 0
Goldman Sachs Active Beta ETF Com 381430503 572 9,140 SH   SOLE 0 9,140 0 0
Goldman Sachs Active Beta ETF Com 381430503 179 2,860 SH   DFND 0 2,860 0 0
HP Inc. Com 40434L105 203 11,620 SH   SOLE 0 11,620 0 0
HP Inc. Com 40434L105 28 1,600 SH   DFND 0 1,600 0 0
Home Depot, Inc. Com 437076102 3,536 14,117 SH   SOLE 0 14,102 0 15
Home Depot, Inc. Com 437076102 402 1,606 SH   DFND 0 1,606 0 0
Honeywell International Inc. Com 438516106 2,317 16,028 SH   SOLE 0 16,013 0 15
Honeywell International Inc. Com 438516106 226 1,565 SH   DFND 0 1,565 0 0
Independent Bank Corp Mass Com 453836108 427 6,360 SH   SOLE 0 6,360 0 0
Independent Bank Corp Mass Com 453836108 183 2,735 SH   DFND 0 2,735 0 0
Intel Corp Com 458140100 4,923 82,278 SH   SOLE 0 82,278 0 0
Intel Corp Com 458140100 340 5,675 SH   DFND 0 5,675 0 0
International Business Machines Com 459200101 3,162 26,184 SH   SOLE 0 26,184 0 0
International Business Machines Com 459200101 454 3,757 SH   DFND 0 3,757 0 0
International Paper Com 460146103 976 27,721 SH   SOLE 0 27,721 0 0
International Paper Com 460146103 97 2,755 SH   DFND 0 2,755 0 0
Intuit Inc Com 461202103 799 2,698 SH   SOLE 0 2,698 0 0
Invesco II Pfd-ETF Pfd Stk 46138E511 9,527 674,683 SH   SOLE 0 674,083 0 600
Invesco II Pfd-ETF Pfd Stk 46138E511 642 45,433 SH   DFND 0 45,433 0 0
Iron Mountain Inc. Com 46284V101 263 10,078 SH   DFND 0 10,078 0 0
IShares Edge MSCI Emerging Market ETF Com 464286533 1,445 27,787 SH   SOLE 0 27,787 0 0
IShares Edge MSCI Emerging Market ETF Com 464286533 8 155 SH   DFND 0 155 0 0
iShares Barclays TIPS Bond Fund ETF Com 464287176 541 4,400 SH   SOLE 0 4,400 0 0
iShares Barclays TIPS Bond Fund ETF Com 464287176 108 875 SH   DFND 0 875 0 0
iShares S&P 500 Index - ETF Com 464287200 631 2,036 SH   SOLE 0 2,036 0 0
Ishares Core U.S. Aggregate-ETF Com 464287226 6,615 55,958 SH   SOLE 0 55,958 0 0
Ishares Core U.S. Aggregate-ETF Com 464287226 109 925 SH   DFND 0 925 0 0
iShares MSCI EAFE Index - ETF Com 464287465 278 4,562 SH   SOLE 0 4,562 0 0
iShares MSCI EAFE Index - ETF Com 464287465 45 743 SH   DFND 0 743 0 0
IShares Tr Short-Term Corp Bd-ETF Com 464288646 3,449 63,041 SH   SOLE 0 63,041 0 0
IShares Tr Short-Term Corp Bd-ETF Com 464288646 32 580 SH   DFND 0 580 0 0
JPMorgan Chase & Company Com 46625H100 5,040 53,581 SH   SOLE 0 53,556 0 25
JPMorgan Chase & Company Com 46625H100 532 5,661 SH   DFND 0 5,661 0 0
Johnson & Johnson Com 478160104 3,986 28,344 SH   SOLE 0 28,344 0 0
Johnson & Johnson Com 478160104 450 3,198 SH   DFND 0 3,198 0 0
Kimberly-Clark Corp Com 494368103 2,360 16,694 SH   SOLE 0 16,694 0 0
Kimberly-Clark Corp Com 494368103 207 1,464 SH   DFND 0 1,464 0 0
Lilly, Eli & Co Com 532457108 2,107 12,836 SH   SOLE 0 12,836 0 0
Lilly, Eli & Co Com 532457108 152 925 SH   DFND 0 925 0 0
Lockheed Martin Corporation Com 539830109 1,411 3,867 SH   SOLE 0 3,867 0 0
Lockheed Martin Corporation Com 539830109 86 236 SH   DFND 0 236 0 0
Lowe's Companies, Inc. Com 548661107 3,215 23,794 SH   SOLE 0 23,774 0 20
Lowe's Companies, Inc. Com 548661107 158 1,170 SH   DFND 0 1,170 0 0
Masco Corporation Com 574599106 535 10,664 SH   SOLE 0 10,664 0 0
Masco Corporation Com 574599106 4 80 SH   DFND 0 80 0 0
Mastercard, Inc. Com 57636Q104 214 725 SH   SOLE 0 725 0 0
Maxim Integrated Com Com 57772K101 279 4,605 SH   SOLE 0 4,605 0 0
Maxim Integrated Com Com 57772K101 13 220 SH   DFND 0 220 0 0
McDonald's Corp. Com 580135101 2,402 13,020 SH   SOLE 0 13,020 0 0
McDonald's Corp. Com 580135101 257 1,395 SH   DFND 0 1,395 0 0
Merck & Co. Inc. Com 58933Y105 2,662 34,422 SH   SOLE 0 34,422 0 0
Merck & Co. Inc. Com 58933Y105 315 4,078 SH   DFND 0 4,078 0 0
MetLife Inc. Com Com 59156R108 479 13,119 SH   SOLE 0 13,119 0 0
MetLife Inc. Com Com 59156R108 24 665 SH   DFND 0 665 0 0
Microsoft Corp Com 594918104 11,437 56,201 SH   SOLE 0 56,176 0 25
Microsoft Corp Com 594918104 893 4,387 SH   DFND 0 4,387 0 0
Microchip Technology Inc. Com 595017104 1,013 9,616 SH   SOLE 0 9,616 0 0
Microchip Technology Inc. Com 595017104 113 1,075 SH   DFND 0 1,075 0 0
National Grid Plc-SP ADR Com 636274409 818 13,464 SH   SOLE 0 13,464 0 0
National Grid Plc-SP ADR Com 636274409 76 1,249 SH   DFND 0 1,249 0 0
NextEra Energy Inc. Com 65339F101 2,786 11,602 SH   SOLE 0 11,594 0 8
NextEra Energy Inc. Com 65339F101 260 1,081 SH   DFND 0 1,081 0 0
Nike Inc. Class B Com 654106103 2,223 22,668 SH   SOLE 0 22,638 0 30
Nike Inc. Class B Com 654106103 60 610 SH   DFND 0 610 0 0
Novartis AG Sponsored ADR Com 66987V109 474 5,432 SH   SOLE 0 5,432 0 0
Novartis AG Sponsored ADR Com 66987V109 31 360 SH   DFND 0 360 0 0
Nucor Corporation Com 670346105 306 7,384 SH   SOLE 0 7,384 0 0
Nucor Corporation Com 670346105 20 475 SH   DFND 0 475 0 0
Oracle Corp. Com 68389X105 720 13,030 SH   SOLE 0 13,030 0 0
Oracle Corp. Com 68389X105 21 375 SH   DFND 0 375 0 0
PPL Corporation Com 69351T106 320 12,380 SH   SOLE 0 12,380 0 0
PPL Corporation Com 69351T106 16 625 SH   DFND 0 625 0 0
Paypal Holdings Inc Com 70450Y103 235 1,350 SH   SOLE 0 1,350 0 0
Pepsico Inc Com 713448108 2,561 19,365 SH   SOLE 0 19,365 0 0
Pepsico Inc Com 713448108 306 2,317 SH   DFND 0 2,317 0 0
Pfizer, Inc Com 717081103 2,997 91,645 SH   SOLE 0 91,645 0 0
Pfizer, Inc Com 717081103 421 12,889 SH   DFND 0 12,889 0 0
Philip Morris Intl Inc. Com 718172109 631 9,011 SH   SOLE 0 9,011 0 0
Philip Morris Intl Inc. Com 718172109 19 275 SH   DFND 0 275 0 0
T Rowe Price Group Inc Com 74144T108 1,377 11,151 SH   SOLE 0 11,151 0 0
T Rowe Price Group Inc Com 74144T108 51 410 SH   DFND 0 410 0 0
Principal Financial Group Inc. Com 74251V102 697 16,775 SH   SOLE 0 16,775 0 0
Principal Financial Group Inc. Com 74251V102 64 1,530 SH   DFND 0 1,530 0 0
Procter & Gamble Co Com 742718109 4,676 39,108 SH   SOLE 0 39,108 0 0
Procter & Gamble Co Com 742718109 442 3,700 SH   DFND 0 3,700 0 0
Prudential Financial Inc. Com 744320102 584 9,585 SH   SOLE 0 9,560 0 25
Prudential Financial Inc. Com 744320102 9 150 SH   DFND 0 150 0 0
Public Storage Com 74460D109 991 5,164 SH   SOLE 0 5,164 0 0
Public Storage Com 74460D109 17 90 SH   DFND 0 90 0 0
Qualcomm Inc Com 747525103 2,480 27,189 SH   SOLE 0 27,189 0 0
Qualcomm Inc Com 747525103 215 2,357 SH   DFND 0 2,357 0 0
Raytheon Technologies Corp Com 75513E101 1,057 17,147 SH   SOLE 0 17,137 0 10
Raytheon Technologies Corp Com 75513E101 100 1,616 SH   DFND 0 1,616 0 0
S&P Global Com 78409V104 107 325 SH   SOLE 0 325 0 0
S&P Global Com 78409V104 297 900 SH   DFND 0 900 0 0
SPDR S & P 500 Trust Unit Ser 1 - ETF Com 78462F103 86 279 SH   SOLE 0 279 0 0
SPDR S & P 500 Trust Unit Ser 1 - ETF Com 78462F103 116 375 SH   DFND 0 375 0 0
MFC SPDR Series Trust S&P 500 Growth - ETF Com 78464A409 752 16,738 SH   SOLE 0 16,738 0 0
MFC SPDR Series Trust S&P 500 Growth - ETF Com 78464A409 225 5,005 SH   DFND 0 5,005 0 0
Salesforce.Com Inc Com 79466L302 1,599 8,535 SH   SOLE 0 8,535 0 0
Salesforce.Com Inc Com 79466L302 46 245 SH   DFND 0 245 0 0
Select Sector SPDR-Health Care - ETF Com 81369Y209 1,668 16,673 SH   SOLE 0 16,673 0 0
Select Sector SPDR-Health Care - ETF Com 81369Y209 53 525 SH   DFND 0 525 0 0
Select Sector SPDR-Consumer Staples - ETF Com 81369Y308 793 13,518 SH   SOLE 0 13,518 0 0
Select Sector SPDR-Consumer Staples - ETF Com 81369Y308 26 436 SH   DFND 0 436 0 0
Select Sector SPDR-Cons. Discretionary - ETF Com 81369Y407 1,263 9,888 SH   SOLE 0 9,888 0 0
Select Sector SPDR-Cons. Discretionary - ETF Com 81369Y407 43 339 SH   DFND 0 339 0 0
Select Sector SPDR-Financial - ETF Com 81369Y605 1,171 50,596 SH   SOLE 0 50,596 0 0
Select Sector SPDR-Financial - ETF Com 81369Y605 38 1,621 SH   DFND 0 1,621 0 0
Select Sector SPDR-Industrial - ETF Com 81369Y704 857 12,477 SH   SOLE 0 12,477 0 0
Select Sector SPDR-Industrial - ETF Com 81369Y704 28 409 SH   DFND 0 409 0 0
Select Sector SPDR-Technology - ETF Com 81369Y803 3,216 30,777 SH   SOLE 0 30,777 0 0
Select Sector SPDR-Technology - ETF Com 81369Y803 113 1,082 SH   DFND 0 1,082 0 0
Select Sector SPDR- Comm Services-ETF Com 81369Y852 1,374 25,432 SH   SOLE 0 25,432 0 0
Select Sector SPDR- Comm Services-ETF Com 81369Y852 28 517 SH   DFND 0 517 0 0
Select Sector SPDR-Real Estate - ETF Com 81369Y860 311 8,925 SH   SOLE 0 8,925 0 0
Select Sector SPDR-Real Estate - ETF Com 81369Y860 9 269 SH   DFND 0 269 0 0
Select Sector SPDR Fund-Utilities - ETF Com 81369Y886 291 5,159 SH   SOLE 0 5,159 0 0
Select Sector SPDR Fund-Utilities - ETF Com 81369Y886 8 144 SH   DFND 0 144 0 0
Service Corp. Intl. Com 817565104 321 8,250 SH   DFND 0 8,250 0 0
Skyworks Solutions, Inc. Com 83088M102 469 3,665 SH   SOLE 0 3,665 0 0
Skyworks Solutions, Inc. Com 83088M102 22 170 SH   DFND 0 170 0 0
J.M. Smucker Company Com 832696405 203 1,915 SH   SOLE 0 1,900 0 15
J.M. Smucker Company Com 832696405 52 493 SH   DFND 0 493 0 0
Southern Co Com 842587107 976 18,818 SH   SOLE 0 18,818 0 0
Southern Co Com 842587107 25 485 SH   DFND 0 485 0 0
Starbucks Corporation Com 855244109 1,356 18,425 SH   SOLE 0 18,425 0 0
Starbucks Corporation Com 855244109 24 330 SH   DFND 0 330 0 0
State Street Corp. Com 857477103 575 9,044 SH   SOLE 0 9,044 0 0
State Street Corp. Com 857477103 6 100 SH   DFND 0 100 0 0
Stryker Corp Com 863667101 1,233 6,844 SH   SOLE 0 6,844 0 0
Stryker Corp Com 863667101 55 308 SH   DFND 0 308 0 0
Sysco Corp Com 871829107 190 3,480 SH   SOLE 0 3,480 0 0
Sysco Corp Com 871829107 23 420 SH   DFND 0 420 0 0
TJX Companies Inc. Com 872540109 1,224 24,209 SH   SOLE 0 24,209 0 0
TJX Companies Inc. Com 872540109 55 1,080 SH   DFND 0 1,080 0 0
Target Corp. Com 87612E106 2,423 20,205 SH   SOLE 0 20,205 0 0
Target Corp. Com 87612E106 254 2,121 SH   DFND 0 2,121 0 0
Texas Instruments Inc Com 882508104 170 1,340 SH   SOLE 0 1,340 0 0
Texas Instruments Inc Com 882508104 38 300 SH   DFND 0 300 0 0
3M Company Com 88579Y101 242 1,549 SH   SOLE 0 1,549 0 0
3M Company Com 88579Y101 94 600 SH   DFND 0 600 0 0
Toronto Dominion Bank Com 891160509 1,264 28,342 SH   SOLE 0 28,342 0 0
Toronto Dominion Bank Com 891160509 184 4,124 SH   DFND 0 4,124 0 0
The Travelers Companies Inc. Com 89417E109 520 4,558 SH   SOLE 0 4,558 0 0
The Travelers Companies Inc. Com 89417E109 46 400 SH   DFND 0 400 0 0
Truist Financial Corp Com 89832Q109 923 24,585 SH   SOLE 0 24,585 0 0
Truist Financial Corp Com 89832Q109 341 9,077 SH   DFND 0 9,077 0 0
US Bancorp Del Com Com 902973304 710 19,277 SH   SOLE 0 19,277 0 0
US Bancorp Del Com Com 902973304 158 4,301 SH   DFND 0 4,301 0 0
Unilever PLC Sponsored ADR New Com 904767704 224 4,075 SH   SOLE 0 4,075 0 0
Unilever PLC Sponsored ADR New Com 904767704 24 430 SH   DFND 0 430 0 0
Union Pacific Corp Com 907818108 1,320 7,809 SH   SOLE 0 7,809 0 0
Union Pacific Corp Com 907818108 45 265 SH   DFND 0 265 0 0
United Parcel Service Com 911312106 2,799 25,179 SH   SOLE 0 25,154 0 25
United Parcel Service Com 911312106 202 1,818 SH   DFND 0 1,818 0 0
UPS Class A Directed Com 911312205 284 2,552 SH   SOLE 0 2,552 0 0
UnitedHealth Group Inc. Com 91324P102 2,075 7,035 SH   SOLE 0 7,035 0 0
UnitedHealth Group Inc. Com 91324P102 43 145 SH   DFND 0 145 0 0
VF Corporation Com 918204108 383 6,279 SH   SOLE 0 6,279 0 0
VF Corporation Com 918204108 24 400 SH   DFND 0 400 0 0
MFC Vaneck Vectors ETF Trust Com 92189F429 4,064 223,201 SH   SOLE 0 223,201 0 0
MFC Vaneck Vectors ETF Trust Com 92189F429 288 15,798 SH   DFND 0 15,798 0 0
Vanguard Mega Cap Value ETF Com 921910840 402 5,491 SH   SOLE 0 5,491 0 0
Vanguard Mega Cap Value ETF Com 921910840 123 1,680 SH   DFND 0 1,680 0 0
Vanguard Russell 2000 ETF Com 92206C664 261 2,258 SH   SOLE 0 2,258 0 0
Vanguard Russell 2000 ETF Com 92206C664 6 48 SH   DFND 0 48 0 0
Vanguard Real Estate-ETF Com 922908553 8,023 102,159 SH   SOLE 0 102,159 0 0
Vanguard Real Estate-ETF Com 922908553 388 4,937 SH   DFND 0 4,937 0 0
Vanguard Index Mid-Cap ETF Com 922908629 387 2,363 SH   SOLE 0 2,363 0 0
Vanguard Index Mid-Cap ETF Com 922908629 8 51 SH   DFND 0 51 0 0
Verizon Communications Inc. Com 92343V104 5,143 93,289 SH   SOLE 0 93,239 0 50
Verizon Communications Inc. Com 92343V104 556 10,079 SH   DFND 0 10,079 0 0
Visa, Inc. Com 92826C839 1,616 8,368 SH   SOLE 0 8,368 0 0
Visa, Inc. Com 92826C839 154 795 SH   DFND 0 795 0 0
Vodafone Group PLC-SP ADR Com 92857W308 398 24,991 SH   SOLE 0 24,991 0 0
Vodafone Group PLC-SP ADR Com 92857W308 17 1,050 SH   DFND 0 1,050 0 0
Wal-Mart Stores Inc Com 931142103 2,964 24,746 SH   SOLE 0 24,746 0 0
Wal-Mart Stores Inc Com 931142103 373 3,114 SH   DFND 0 3,114 0 0
Walgreens Boots Alliance Inc. Com 931427108 469 11,061 SH   SOLE 0 11,061 0 0
Walgreens Boots Alliance Inc. Com 931427108 3 75 SH   DFND 0 75 0 0
Williams-Sonoma, Inc. Com 969904101 554 6,754 SH   SOLE 0 6,754 0 0
Williams-Sonoma, Inc. Com 969904101 7 90 SH   DFND 0 90 0 0
WisdomTree U.S. Midcap Dividend Fund-ETF Com 97717W505 547 19,313 SH   SOLE 0 19,313 0 0
WisdomTree U.S. Midcap Dividend Fund-ETF Com 97717W505 10 358 SH   DFND 0 358 0 0
WisdomTree U.S. Small Cap Dividend Fund ETF Com 97717W604 369 17,430 SH   SOLE 0 17,430 0 0
WisdomTree U.S. Small Cap Dividend Fund ETF Com 97717W604 6 292 SH   DFND 0 292 0 0
Wisdomtree International Equity Fund ETF Com 97717W703 4,164 94,065 SH   SOLE 0 94,065 0 0
Wisdomtree International Equity Fund ETF Com 97717W703 54 1,214 SH   DFND 0 1,214 0 0
Eaton Corp PLC Com G29183103 1,534 17,533 SH   SOLE 0 17,518 0 15
Eaton Corp PLC Com G29183103 365 4,171 SH   DFND 0 4,171 0 0
Invesco Ltd Com G491BT108 106 9,875 SH   SOLE 0 9,875 0 0
Invesco Ltd Com G491BT108 33 3,080 SH   DFND 0 3,080 0 0
Medtronic Hldg Ltd Com G5960L103 2,672 29,140 SH   SOLE 0 29,140 0 0
Medtronic Hldg Ltd Com G5960L103 65 711 SH   DFND 0 711 0 0
Chubb Ltd Com H1467J104 2,006 15,845 SH   SOLE 0 15,845 0 0
Chubb Ltd Com H1467J104 58 455 SH   DFND 0 455 0 0
Check Point Software Com M22465104 667 6,211 SH   SOLE 0 6,211 0 0
Check Point Software Com M22465104 9 80 SH   DFND 0 80 0 0