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
3M COM 88579Y101 334 1,905 SH   SOLE   1,905 0 0
3M COM 88579Y101 307 1,750 SH   DFND 1 0 1,750 0
ABBOTT LABS COM 002824100 7,157 60,582 SH   SOLE   60,582 0 0
ABBOTT LABS COM 002824100 154 1,300 SH   DFND 13 0 1,300 0
ABBOTT LABS COM 002824100 1,161 9,830 SH   DFND 1 0 9,830 0
ABBOTT LABS COM 002824100 1,358 11,500 SH   DFND 6 0 11,500 0
ABBVIE COM 00287Y109 2,212 20,510 SH   SOLE   20,510 0 0
ABBVIE COM 00287Y109 580 5,375 SH   DFND 1 0 5,375 0
ABBVIE COM 00287Y109 1,009 9,350 SH   DFND 6 0 9,350 0
ACCENTURE PLC SHS COM G1151C101 2,506 7,834 SH   SOLE   7,834 0 0
ADOBE SYS COM 00724F101 1,583 2,750 SH   SOLE   2,750 0 0
AIR PRODUCTS & CHEM COM 009158106 256 1,000 SH   SOLE   1,000 0 0
ALLEGION PLC COM G0176J109 251 1,900 SH   DFND 6 0 1,900 0
ALPHABET INC CL A COM 02079K305 9,360 3,501 SH   SOLE   3,501 0 0
ALPHABET INC CL A COM 02079K305 142 53 SH   DFND 13 0 53 0
ALPHABET INC CL A COM 02079K305 1,313 491 SH   DFND 1 0 491 0
ALPHABET INC CL A COM 02079K305 1,182 442 SH   DFND 6 0 442 0
ALPHABET INC CL C COM 02079K107 1,087 408 SH   SOLE   408 0 0
AMAZON.COM COM 023135106 4,001 1,218 SH   SOLE   1,218 0 0
AMAZON.COM COM 023135106 89 27 SH   DFND 13 0 27 0
AMAZON.COM COM 023135106 936 285 SH   DFND 1 0 285 0
AMAZON.COM COM 023135106 312 95 SH   DFND 6 0 95 0
AMGEN INC COM 031162100 1,670 7,853 SH   SOLE   7,853 0 0
ANALOG DEVICES COM 032654105 5,799 34,624 SH   SOLE   34,624 0 0
ANALOG DEVICES COM 032654105 159 950 SH   DFND 13 0 950 0
ANALOG DEVICES COM 032654105 852 5,085 SH   DFND 1 0 5,085 0
ANALOG DEVICES COM 032654105 352 2,100 SH   DFND 6 0 2,100 0
APPLE INC COM 037833100 11,142 78,743 SH   SOLE   78,743 0 0
APPLE INC COM 037833100 156 1,100 SH   DFND 13 0 1,100 0
APPLE INC COM 037833100 1,276 9,015 SH   DFND 1 0 9,015 0
APPLE INC COM 037833100 552 3,900 SH   DFND 6 0 3,900 0
APTARGROUP COM 038336103 3,934 32,961 SH   SOLE   32,961 0 0
APTARGROUP COM 038336103 107 900 SH   DFND 13 0 900 0
APTARGROUP COM 038336103 1,016 8,510 SH   DFND 1 0 8,510 0
APTARGROUP COM 038336103 940 7,875 SH   DFND 6 0 7,875 0
AUTOMATIC DATA PROCESSING COM 053015103 7,963 39,830 SH   SOLE   39,830 0 0
AUTOMATIC DATA PROCESSING COM 053015103 140 700 SH   DFND 13 0 700 0
AUTOMATIC DATA PROCESSING COM 053015103 1,214 6,070 SH   DFND 1 0 6,070 0
AUTOMATIC DATA PROCESSING COM 053015103 1,105 5,525 SH   DFND 6 0 5,525 0
BECTON DICKINSON COM 075887109 2,457 9,996 SH   SOLE   9,996 0 0
BECTON DICKINSON COM 075887109 74 300 SH   DFND 13 0 300 0
BECTON DICKINSON COM 075887109 467 1,900 SH   DFND 1 0 1,900 0
BECTON DICKINSON COM 075887109 307 1,250 SH   DFND 6 0 1,250 0
BERKSHIRE HATHAWAY CL B COM 084670702 218 800 SH   SOLE   800 0 0
BOSTON PPTYS INC REIT COM 101121101 949 8,762 SH   SOLE   8,762 0 0
BRISTOL-MYERS SQUIBB COM 110122108 710 12,000 SH   SOLE   12,000 0 0
BRISTOL-MYERS SQUIBB COM 110122108 237 4,000 SH   DFND 1 0 4,000 0
BRISTOL-MYERS SQUIBB COM 110122108 379 6,400 SH   DFND 6 0 6,400 0
BROADCOM INC COM 11135F101 800 1,650 SH   SOLE   1,650 0 0
CANADIAN NATL RAILWAY COM 136375102 4,382 37,890 SH   SOLE   37,890 0 0
CANADIAN NATL RAILWAY COM 136375102 145 1,250 SH   DFND 13 0 1,250 0
CANADIAN NATL RAILWAY COM 136375102 1,048 9,065 SH   DFND 1 0 9,065 0
CANADIAN NATL RAILWAY COM 136375102 1,246 10,775 SH   DFND 6 0 10,775 0
CARRIER GLOBAL COM 14448C104 268 5,175 SH   SOLE   5,175 0 0
CHEVRON COM 166764100 734 7,240 SH   SOLE   7,240 0 0
CHEVRON COM 166764100 203 2,005 SH   DFND 1 0 2,005 0
CHEVRON COM 166764100 609 6,000 SH   DFND 6 0 6,000 0
CHUBB LIMITED COM H1467J104 87 500 SH   SOLE   500 0 0
CHUBB LIMITED COM H1467J104 121 700 SH   DFND 1 0 700 0
CHURCH & DWIGHT COM 171340102 1,550 18,775 SH   SOLE   18,775 0 0
CIGNA CORP NEW COM 125523100 290 1,450 SH   SOLE   1,450 0 0
CISCO SYS INC COM 17275R102 1,252 23,000 SH   SOLE   23,000 0 0
CISCO SYS INC COM 17275R102 125 2,300 SH   DFND 1 0 2,300 0
COCA COLA COM 191216100 509 9,700 SH   SOLE   9,700 0 0
COLGATE-PALMOLIVE COM 194162103 770 10,190 SH   SOLE   10,190 0 0
COMCAST CORP NEW CL A COM 20030N101 817 14,600 SH   SOLE   14,600 0 0
CONOCOPHILLIPS COM 20825C104 14 200 SH   SOLE   200 0 0
CONOCOPHILLIPS COM 20825C104 194 2,864 SH   DFND 1 0 2,864 0
COSTCO WHOLESALE COM 22160K105 1,197 2,663 SH   SOLE   2,663 0 0
COSTCO WHOLESALE COM 22160K105 90 200 SH   DFND 13 0 200 0
CVS HEALTH COM 126650100 3,067 36,140 SH   SOLE   36,140 0 0
CVS HEALTH COM 126650100 89 1,050 SH   DFND 13 0 1,050 0
CVS HEALTH COM 126650100 756 8,910 SH   DFND 1 0 8,910 0
CVS HEALTH COM 126650100 721 8,500 SH   DFND 6 0 8,500 0
DANAHER CORP COM 235851102 7,743 25,434 SH   SOLE   25,434 0 0
DANAHER CORP COM 235851102 129 425 SH   DFND 13 0 425 0
DANAHER CORP COM 235851102 921 3,025 SH   DFND 1 0 3,025 0
DANAHER CORP COM 235851102 472 1,550 SH   DFND 6 0 1,550 0
DEERE & CO COM 244199105 67 200 SH   SOLE   200 0 0
DEERE & CO COM 244199105 286 855 SH   DFND 1 0 855 0
DEERE & CO COM 244199105 67 200 SH   DFND 6 0 200 0
DIAGEO PLC SPSD ADR COM 25243Q205 1,364 7,065 SH   SOLE   7,065 0 0
DISNEY COM 254687106 3,879 22,929 SH   SOLE   22,929 0 0
DISNEY COM 254687106 93 550 SH   DFND 13 0 550 0
DISNEY COM 254687106 719 4,250 SH   DFND 1 0 4,250 0
DISNEY COM 254687106 601 3,550 SH   DFND 6 0 3,550 0
DOW CHEMICAL COMPANY COM 260557103 52 900 SH   SOLE   900 0 0
DOW CHEMICAL COMPANY COM 260557103 150 2,600 SH   DFND 6 0 2,600 0
DOW CHEMICAL COMPANY COM 260557103 12 200 SH   DFND 1 0 200 0
ECOLAB INC COM 278865100 1,805 8,650 SH   SOLE   8,650 0 0
EMERSON ELECTRIC COM 291011104 1,001 10,625 SH   SOLE   10,625 0 0
EMERSON ELECTRIC COM 291011104 85 900 SH   DFND 1 0 900 0
EMERSON ELECTRIC COM 291011104 424 4,500 SH   DFND 6 0 4,500 0
EOG RESOURCES COM 26875P101 283 3,530 SH   SOLE   3,530 0 0
EOG RESOURCES COM 26875P101 6 75 SH   DFND 1 0 75 0
EXXON MOBIL COM 30231G102 1,732 29,439 SH   SOLE   29,439 0 0
EXXON MOBIL COM 30231G102 457 7,775 SH   DFND 1 0 7,775 0
EXXON MOBIL COM 30231G102 535 9,100 SH   DFND 6 0 9,100 0
FISERV COM 337738108 3,822 35,230 SH   SOLE   35,230 0 0
FISERV COM 337738108 103 950 SH   DFND 13 0 950 0
FISERV COM 337738108 524 4,830 SH   DFND 1 0 4,830 0
FISERV COM 337738108 727 6,700 SH   DFND 6 0 6,700 0
GILEAD SCIENCES COM 375558103 566 8,100 SH   SOLE   8,100 0 0
HOME DEPOT COM 437076102 3,438 10,472 SH   SOLE   10,472 0 0
HOME DEPOT COM 437076102 85 260 SH   DFND 13 0 260 0
HOME DEPOT COM 437076102 775 2,360 SH   DFND 1 0 2,360 0
HOME DEPOT COM 437076102 328 1,000 SH   DFND 6 0 1,000 0
HONEYWELL INTL COM 438516106 2,454 11,560 SH   SOLE   11,560 0 0
HONEYWELL INTL COM 438516106 32 150 SH   DFND 13 0 150 0
HONEYWELL INTL COM 438516106 409 1,925 SH   DFND 1 0 1,925 0
ILLINOIS TOOL WORKS COM 452308109 1,510 7,310 SH   SOLE   7,310 0 0
ILLUMINA COM 452327109 2,585 6,373 SH   SOLE   6,373 0 0
ILLUMINA COM 452327109 91 225 SH   DFND 13 0 225 0
ILLUMINA COM 452327109 256 630 SH   DFND 1 0 630 0
ILLUMINA COM 452327109 304 750 SH   DFND 6 0 750 0
INGERSOLL RAND INC COM 45687V106 311 6,176 SH   DFND 6 0 6,176 0
INT'L FLAVORS & FRAGRANCES COM 459506101 63 471 SH   SOLE   471 0 0
INT'L FLAVORS & FRAGRANCES COM 459506101 131 980 SH   DFND 6 0 980 0
INT'L FLAVORS & FRAGRANCES COM 459506101 10 74 SH   DFND 1 0 74 0
INTEL CORP COM 458140100 3,038 57,017 SH   SOLE   57,017 0 0
INTEL CORP COM 458140100 16 300 SH   DFND 13 0 300 0
INTEL CORP COM 458140100 822 15,425 SH   DFND 1 0 15,425 0
INTEL CORP COM 458140100 775 14,550 SH   DFND 6 0 14,550 0
INTL PAPER COM 460146103 336 6,000 SH   DFND 6 0 6,000 0
ISHARES RUSSELL 1000 COM 464287622 1,133 4,686 SH   SOLE   4,686 0 0
JACOBS ENGINEERING GROUP INC COM 469814107 530 4,000 SH   SOLE   4,000 0 0
JOHNSON & JOHNSON COM 478160104 6,258 38,749 SH   SOLE   38,749 0 0
JOHNSON & JOHNSON COM 478160104 109 675 SH   DFND 13 0 675 0
JOHNSON & JOHNSON COM 478160104 1,244 7,705 SH   DFND 1 0 7,705 0
JOHNSON & JOHNSON COM 478160104 876 5,425 SH   DFND 6 0 5,425 0
JPMORGAN CHASE COM 46625H100 2,464 15,054 SH   SOLE   15,054 0 0
KONINKLIJKE DSM NV COM 780249108 2,400 48,025 SH   SOLE   48,025 0 0
KONINKLIJKE DSM NV COM 780249108 75 1,500 SH   DFND 13 0 1,500 0
KONINKLIJKE DSM NV COM 780249108 395 7,900 SH   DFND 1 0 7,900 0
KONINKLIJKE DSM NV COM 780249108 180 3,600 SH   DFND 6 0 3,600 0
LOWES COMPANIES COM 548661107 3,134 15,450 SH   SOLE   15,450 0 0
MAGELLAN MIDSTREAM LP COM 559080106 692 15,175 SH   SOLE   15,175 0 0
MASTERCARD COM 57636Q104 7,909 22,747 SH   SOLE   22,747 0 0
MASTERCARD COM 57636Q104 122 350 SH   DFND 13 0 350 0
MASTERCARD COM 57636Q104 363 1,045 SH   DFND 1 0 1,045 0
MASTERCARD COM 57636Q104 1,026 2,950 SH   DFND 6 0 2,950 0
MCDONALDS CORP COM 580135101 693 2,875 SH   SOLE   2,875 0 0
MERCK COM 58933Y105 262 3,485 SH   SOLE   3,485 0 0
MERCK COM 58933Y105 421 5,600 SH   DFND 1 0 5,600 0
MERCK COM 58933Y105 714 9,500 SH   DFND 6 0 9,500 0
MICROSOFT CORP COM 594918104 8,702 30,868 SH   SOLE   30,868 0 0
MICROSOFT CORP COM 594918104 120 425 SH   DFND 13 0 425 0
MICROSOFT CORP COM 594918104 943 3,345 SH   DFND 1 0 3,345 0
NESTLE SA ADR COM 641069406 4,545 37,808 SH   SOLE   37,808 0 0
NESTLE SA ADR COM 641069406 147 1,225 SH   DFND 13 0 1,225 0
NESTLE SA ADR COM 641069406 1,191 9,905 SH   DFND 1 0 9,905 0
NESTLE SA ADR COM 641069406 926 7,700 SH   DFND 6 0 7,700 0
NEXTERA ENERGY COM 65339F101 1,479 18,835 SH   SOLE   18,835 0 0
NIKE INC CLASS B COM 654106103 2,272 15,641 SH   SOLE   15,641 0 0
NIKE INC CLASS B COM 654106103 29 200 SH   DFND 13 0 200 0
NIKE INC CLASS B COM 654106103 62 430 SH   DFND 1 0 430 0
NOVARTIS AG ADR COM 66987V109 2,613 31,946 SH   SOLE   31,946 0 0
NOVARTIS AG ADR COM 66987V109 90 1,100 SH   DFND 13 0 1,100 0
NOVARTIS AG ADR COM 66987V109 512 6,265 SH   DFND 1 0 6,265 0
NOVARTIS AG ADR COM 66987V109 540 6,600 SH   DFND 6 0 6,600 0
NOVO NORDISK A S ADR COM 670100205 240 2,500 SH   SOLE   2,500 0 0
NOVOZYMES A S DKK 2.0 COM B798FW902 887 12,975 SH   SOLE   12,975 0 0
NOVOZYMES A S DKK 2.0 COM B798FW902 31 450 SH   DFND 13 0 450 0
NOVOZYMES A S DKK 2.0 COM B798FW902 120 1,760 SH   DFND 1 0 1,760 0
NOVOZYMES A S DKK 2.0 COM B798FW902 403 5,900 SH   DFND 6 0 5,900 0
NVIDIA CORP COM 67066G104 1,045 5,045 SH   SOLE   5,045 0 0
NVIDIA CORP COM 67066G104 1,212 5,850 SH   DFND 1 0 5,850 0
NVIDIA CORP COM 67066G104 932 4,500 SH   DFND 6 0 4,500 0
ORACLE COM 68389X105 1,218 13,975 SH   SOLE   13,975 0 0
ORACLE COM 68389X105 87 1,000 SH   DFND 1 0 1,000 0
ORACLE COM 68389X105 305 3,500 SH   DFND 6 0 3,500 0
PAYCHEX COM 704326107 281 2,500 SH   SOLE   2,500 0 0
PAYPAL HOLDINGS COM 70450Y103 3,581 13,762 SH   SOLE   13,762 0 0
PAYPAL HOLDINGS COM 70450Y103 90 345 SH   DFND 13 0 345 0
PAYPAL HOLDINGS COM 70450Y103 899 3,455 SH   DFND 1 0 3,455 0
PAYPAL HOLDINGS COM 70450Y103 481 1,850 SH   DFND 6 0 1,850 0
PEMBINA PIPELINE CO COM 706327103 253 7,975 SH   SOLE   7,975 0 0
PEMBINA PIPELINE CO COM 706327103 351 11,075 SH   DFND 1 0 11,075 0
PEMBINA PIPELINE CO COM 706327103 174 5,500 SH   DFND 6 0 5,500 0
PEPSICO COM 713448108 2,610 17,354 SH   SOLE   17,354 0 0
PEPSICO COM 713448108 376 2,500 SH   DFND 1 0 2,500 0
PEPSICO COM 713448108 376 2,500 SH   DFND 6 0 2,500 0
PFIZER COM 717081103 406 9,450 SH   SOLE   9,450 0 0
PFIZER COM 717081103 142 3,305 SH   DFND 1 0 3,305 0
PROCTER & GAMBLE COM 742718109 6,348 45,408 SH   SOLE   45,408 0 0
PROCTER & GAMBLE COM 742718109 126 900 SH   DFND 13 0 900 0
PROCTER & GAMBLE COM 742718109 949 6,791 SH   DFND 1 0 6,791 0
PROCTER & GAMBLE COM 742718109 797 5,700 SH   DFND 6 0 5,700 0
QUALCOMM COM 747525103 845 6,550 SH   SOLE   6,550 0 0
RAYTHEON TECHNOLOGIES COM 75513E101 4,274 49,718 SH   SOLE   49,718 0 0
RAYTHEON TECHNOLOGIES COM 75513E101 597 6,950 SH   DFND 1 0 6,950 0
RAYTHEON TECHNOLOGIES COM 75513E101 241 2,800 SH   DFND 6 0 2,800 0
ROCHE HLDG LTD ADR COM 771195104 1,274 28,029 SH   SOLE   28,029 0 0
ROCHE HLDG LTD ADR COM 771195104 23 500 SH   DFND 13 0 500 0
ROCHE HLDG LTD ADR COM 771195104 296 6,500 SH   DFND 1 0 6,500 0
ROCKWELL AUTOMATION COM 773903109 5,700 19,386 SH   SOLE   19,386 0 0
ROCKWELL AUTOMATION COM 773903109 162 550 SH   DFND 13 0 550 0
ROCKWELL AUTOMATION COM 773903109 1,288 4,380 SH   DFND 1 0 4,380 0
ROCKWELL AUTOMATION COM 773903109 59 200 SH   DFND 6 0 200 0
SALESFORCE.COM COM 79466L302 407 1,500 SH   SOLE   1,500 0 0
STARBUCKS COM 855244109 1,395 12,650 SH   SOLE   12,650 0 0
STRYKER CORP COM 863667101 2,360 8,950 SH   SOLE   8,950 0 0
SYSCO COM 871829107 497 6,325 SH   SOLE   6,325 0 0
TELEFLEX COM 879369106 697 1,850 SH   SOLE   1,850 0 0
TEXAS INSTRUMENTS COM 882508104 538 2,800 SH   SOLE   2,800 0 0
TJX COS COM 872540109 2,314 35,074 SH   SOLE   35,074 0 0
TJX COS COM 872540109 46 700 SH   DFND 13 0 700 0
TJX COS COM 872540109 323 4,900 SH   DFND 1 0 4,900 0
TJX COS COM 872540109 356 5,400 SH   DFND 6 0 5,400 0
TRANE TECHNOLOGIES PLC COM G8994E103 1,036 6,000 SH   DFND 6 0 6,000 0
UNILEVER PLC NEW ADR COM 904767704 2,859 52,726 SH   SOLE   52,726 0 0
UNILEVER PLC NEW ADR COM 904767704 89 1,650 SH   DFND 13 0 1,650 0
UNILEVER PLC NEW ADR COM 904767704 290 5,350 SH   DFND 1 0 5,350 0
UNILEVER PLC NEW ADR COM 904767704 163 3,000 SH   DFND 6 0 3,000 0
UNION PACIFIC COM 907818108 253 1,290 SH   SOLE   1,290 0 0
UNION PACIFIC COM 907818108 637 3,250 SH   DFND 1 0 3,250 0
UNION PACIFIC COM 907818108 960 4,900 SH   DFND 6 0 4,900 0
UNITED HEALTH GROUP COM 91324P102 2,055 5,259 SH   SOLE   5,259 0 0
UNITED HEALTH GROUP COM 91324P102 49 125 SH   DFND 13 0 125 0
UNITED HEALTH GROUP COM 91324P102 163 417 SH   DFND 1 0 417 0
UNITED HEALTH GROUP COM 91324P102 86 220 SH   DFND 6 0 220 0
VERIZON COMMUNICATIONS COM 92343V104 649 12,012 SH   SOLE   12,012 0 0
WALGREEN BOOTS ALLIANCE INC COM 931427108 369 7,850 SH   SOLE   7,850 0 0
WASTE MANAGEMENT INC COM 94106L109 583 3,900 SH   SOLE   3,900 0 0
XILINX COM 983919101 3,529 23,375 SH   SOLE   23,375 0 0
XILINX COM 983919101 94 625 SH   DFND 13 0 625 0
XILINX COM 983919101 483 3,200 SH   DFND 1 0 3,200 0
XILINX COM 983919101 272 1,800 SH   DFND 6 0 1,800 0
XYLEM INC COM 98419M100 3,130 25,310 SH   SOLE   25,310 0 0
XYLEM INC COM 98419M100 110 890 SH   DFND 13 0 890 0
XYLEM INC COM 98419M100 106 860 SH   DFND 1 0 860 0
YUM BRANDS COM 988498101 550 4,500 SH   SOLE   4,500 0 0
BNY MELLON INTERNATIONAL STOCK Equity Mutual Fu 05587K741 684 26,374 SH   SOLE   26,374 0 0
EATON VANCE ATLANTA CAPITAL SM Equity Mutual Fu 277902698 335 8,000 SH   SOLE   8,000 0 0
WCM FOCUSED INTERNATIONAL GROW Equity Mutual Fu 461418444 833 30,389 SH   SOLE   30,389 0 0