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
3M Company Equities 88579Y101   271,814 2,586 SH   SOLE   2,586 0 0
Abbott Laboratories Equities 002824100   121,512 1,200 SH   DFND   1,200 0 0
Abbott Laboratories Equities 002824100   578,195 5,710 SH   SOLE   5,710 0 0
Abbvie Inc Equities 00287Y109   191,244 1,200 SH   DFND   1,200 0 0
Abbvie Inc Equities 00287Y109   887,691 5,570 SH   SOLE   5,570 0 0
Accenture Plc Class A Equities G1151C101   10,861 38 SH   DFND   38 0 0
Accenture Plc Class A Equities G1151C101   5,413,527 18,941 SH   SOLE   18,771 90 80
Allstate Corp Equities 020002101   5,430 49 SH   DFND   49 0 0
Allstate Corp Equities 020002101   3,201,744 28,894 SH   SOLE   28,844 50 0
Alphabet Inc Class A Equities 02079K305   530,579 5,115 SH   SOLE   5,115 0 0
Alphabet Inc Class C Equities 02079K107   633,256 6,089 SH   SOLE   6,089 0 0
Amazon.com Inc Equities 023135106   769,717 7,452 SH   SOLE   7,452 0 0
Amgen Inc Equities 031162100   21,999 91 SH   DFND   91 0 0
Amgen Inc Equities 031162100   680,768 2,816 SH   SOLE   2,816 0 0
Apple Inc. Equities 037833100   113,121 686 SH   DFND   686 0 0
Apple Inc. Equities 037833100   15,682,650 95,104 SH   SOLE   94,639 330 135
AT&T Inc Equities 00206R102   50,762 2,637 SH   DFND   2,637 0 0
AT&T Inc Equities 00206R102   2,469,159 128,268 SH   SOLE   127,693 500 75
Automatic Data Processing Equities 053015103   279,846 1,257 SH   SOLE   1,257 0 0
Bank of New York Mellon Corp Equities 064058100   4,544 100 SH   DFND   100 0 0
Bank of New York Mellon Corp Equities 064058100   499,885 11,001 SH   SOLE   11,001 0 0
Berkshire Hathaway Inc Class B Equities 084670702   15,747 51 SH   DFND   51 0 0
Berkshire Hathaway Inc Class B Equities 084670702   1,040,246 3,369 SH   SOLE   3,369 0 0
Blackrock Inc Equities 09247X101   6,691 10 SH   DFND   10 0 0
Blackrock Inc Equities 09247X101   4,426,229 6,615 SH   SOLE   6,595 0 20
Bristol-Myers Squibb Co Equities 110122108   117,827 1,700 SH   DFND   1,700 0 0
Bristol-Myers Squibb Co Equities 110122108   660,386 9,528 SH   SOLE   9,528 0 0
Broadcom Ltd Equities 11135F101   2,671,373 4,164 SH   SOLE   4,139 25 0
Carrier Global Corp Equities 14448C104   4,118 90 SH   DFND   90 0 0
Carrier Global Corp Equities 14448C104   308,904 6,752 SH   SOLE   6,752 0 0
Caterpillar Inc Equities 149123101   3,433 15 SH   DFND   15 0 0
Caterpillar Inc Equities 149123101   865,702 3,783 SH   SOLE   3,783 0 0
Cencora Inc Equities 03073E105   215,668 1,347 SH   SOLE   1,347 0 0
Chevron Corp Equities 166764100   36,548 224 SH   DFND   224 0 0
Chevron Corp Equities 166764100   7,011,475 42,973 SH   SOLE   41,668 110 1,195
Chubb LTD Corp Equities H1467J104   8,738 45 SH   DFND   45 0 0
Chubb LTD Corp Equities H1467J104   340,203 1,752 SH   SOLE   1,752 0 0
Cisco Systems Inc Equities 17275R102   25,824 494 SH   DFND   494 0 0
Cisco Systems Inc Equities 17275R102   3,250,669 62,184 SH   SOLE   61,944 200 40
Clorox Company Equities 189054109   823,481 5,204 SH   SOLE   5,064 0 140
Coca-Cola Company Equities 191216100   136,466 2,200 SH   DFND   2,200 0 0
Coca-Cola Company Equities 191216100   5,191,043 83,686 SH   SOLE   83,356 300 30
Colgate-Palmolive Co Equities 194162103   541,230 7,202 SH   SOLE   7,202 0 0
Comcast Corp Class A Equities 20030N101   13,079 345 SH   DFND   345 0 0
Comcast Corp Class A Equities 20030N101   3,594,892 94,827 SH   SOLE   94,377 450 0
Communication Services SPDR Equities 81369Y852   610,308 10,528 SH   SOLE   10,528 0 0
Costco Wholesale Corp Equities 22160K105   208,189 419 SH   SOLE   419 0 0
CSX Corp Equities 126408103   272,993 9,118 SH   SOLE   9,118 0 0
CVS Health Corp Equities 126650100   19,172 258 SH   DFND   258 0 0
CVS Health Corp Equities 126650100   5,025,957 67,635 SH   SOLE   66,829 350 456
Darden Restaurants Inc Equities 237194105   487,668 3,143 SH   SOLE   3,143 0 0
Deere & Co Equities 244199105   694,877 1,683 SH   SOLE   1,683 0 0
Dimensional US Marketwide Value Equities 25434V724   1,772,297 52,936 SH   SOLE   52,936 0 0
Duke Energy Corp Equities 26441C204   3,184 33 SH   DFND   33 0 0
Duke Energy Corp Equities 26441C204   2,911,368 30,179 SH   SOLE   29,792 97 290
Ecolab Inc Equities 278865100   11,422 69 SH   DFND   69 0 0
Ecolab Inc Equities 278865100   2,030,557 12,267 SH   SOLE   12,217 50 0
Eli Lilly & Co. Equities 532457108   1,093,793 3,185 SH   SOLE   3,185 0 0
Emerson Electric Co Equities 291011104   536,434 6,156 SH   SOLE   6,156 0 0
Enbridge Inc Equities 29250N105   312,716 8,197 SH   SOLE   8,197 0 0
Estee Lauder Companies Inc Clas Equities 518439104   319,166 1,295 SH   SOLE   1,295 0 0
Exxon Mobil Corp Equities 30231G102   4,150,192 37,846 SH   SOLE   36,446 0 1,400
Flexshares Glb. Upstream Ntrl. Equities 33939L407   9,008 213 SH   DFND   213 0 0
Flexshares Glb. Upstream Ntrl. Equities 33939L407   10,943,130 258,764 SH   SOLE   257,251 947 566
Flexshares Yr. TIPS ETF Equities 33939L605   6,784 277 SH   DFND   277 0 0
Flexshares Yr. TIPS ETF Equities 33939L605   7,024,785 286,843 SH   SOLE   285,668 875 300
General Dynamics Corp Equities 369550108   12,323 54 SH   DFND   54 0 0
General Dynamics Corp Equities 369550108   2,159,551 9,463 SH   SOLE   9,323 40 100
General Mills Inc Equities 370334104   573,864 6,715 SH   SOLE   6,715 0 0
Genuine Parts Co Equities 372460105   308,185 1,842 SH   SOLE   1,842 0 0
Hershey Co Foods Equities 427866108   285,448 1,122 SH   SOLE   1,122 0 0
Home Depot Inc Equities 437076102   83,519 283 SH   DFND   283 0 0
Home Depot Inc Equities 437076102   6,727,556 22,796 SH   SOLE   22,526 75 195
Honeywell International Inc Equities 438516106   49,309 258 SH   DFND   258 0 0
Honeywell International Inc Equities 438516106   4,971,987 26,015 SH   SOLE   25,835 95 85
Intel Corporation Equities 458140100   22,869 700 SH   DFND   700 0 0
Intel Corporation Equities 458140100   1,474,626 45,137 SH   SOLE   44,987 100 50
International Business Machines Equities 459200101   8,652 66 SH   DFND   66 0 0
International Business Machines Equities 459200101   2,764,557 21,089 SH   SOLE   21,009 80 0
Invesco Bulletshares 2023 Munic Equities 46138J544   9,990 398 SH   DFND   398 0 0
Invesco Bulletshares 2023 Munic Equities 46138J544   863,817 34,415 SH   SOLE   34,415 0 0
Invesco Bulletshares 2024 Munic Equities 46138J536   10,083 405 SH   DFND   405 0 0
Invesco Bulletshares 2024 Munic Equities 46138J536   1,332,699 53,530 SH   SOLE   53,530 0 0
Invesco Bulletshares 2025 Munic Equities 46138J528   9,767 398 SH   DFND   398 0 0
Invesco Bulletshares 2025 Munic Equities 46138J528   1,052,496 42,889 SH   SOLE   42,889 0 0
Invesco Bulletshares 2026 Munic Equities 46138J510   9,659 406 SH   DFND   406 0 0
Invesco Bulletshares 2026 Munic Equities 46138J510   1,559,955 65,573 SH   SOLE   65,573 0 0
Invesco Bulletshares 2027 Munic Equities 46138J494   5,108 214 SH   DFND   214 0 0
Invesco Bulletshares 2027 Munic Equities 46138J494   865,001 36,238 SH   SOLE   36,238 0 0
Invesco Bulletshares 2028 Munic Equities 46138J486   5,134 217 SH   DFND   217 0 0
Invesco Bulletshares 2028 Munic Equities 46138J486   1,084,220 45,825 SH   SOLE   45,825 0 0
Invesco Bulletshares 2029 Munic Equities 46138J478   5,145 220 SH   DFND   220 0 0
Invesco Bulletshares 2029 Munic Equities 46138J478   906,390 38,756 SH   SOLE   38,756 0 0
Invesco BulletShares 2030 Munic Equities 46138J445   9,514 428 SH   DFND   428 0 0
Invesco BulletShares 2030 Munic Equities 46138J445   1,276,247 57,411 SH   SOLE   57,411 0 0
Invesco Bulletshares 2031 Munic Equities 46138J411   414,822 19,367 SH   SOLE   19,367 0 0
iShares 1-3 Year Treasury Bond Equities 464287457   295,940 3,602 SH   SOLE   3,602 0 0
iShares Core S&P 500 ETF Equities 464287200   840,248 2,044 SH   SOLE   2,044 0 0
iShares Core S&P Mid-Cap ETF Equities 464287507   497,568 1,989 SH   SOLE   1,989 0 0
iShares GNMA Bond ETF Equities 46429B333   1,524,622 34,292 SH   SOLE   34,292 0 0
iShares iBonds 2023 Corporate E Equities 46434VAX8   841,548 33,408 SH   SOLE   33,408 0 0
iShares iBonds 2024 Corporate E Equities 46434VBG4   1,402,048 57,017 SH   SOLE   57,017 0 0
iShares iBonds 2025 Corporate E Equities 46434VBD1   905,599 36,918 SH   SOLE   36,918 0 0
iShares iBonds 2026 Corporate E Equities 46435GAA0   1,126,012 47,451 SH   SOLE   47,451 0 0
iShares iBonds 2027 Corporate E Equities 46435UAA9   954,872 40,087 SH   SOLE   40,087 0 0
iShares iBonds 2028 Corporate E Equities 46435U515   1,006,379 40,352 SH   SOLE   40,352 0 0
iShares iBonds 2029 Corporate E Equities 46436E205   659,470 28,823 SH   SOLE   28,823 0 0
iShares iBonds 2030 Corporate E Equities 46436E726   793,876 36,873 SH   SOLE   36,873 0 0
iShares iBonds 2031 Corporate E Equities 46436E486   426,424 20,660 SH   SOLE   20,660 0 0
iShares MBS ETF Equities 464288588   1,523,069 16,078 SH   SOLE   16,078 0 0
iShares Russell 1000 ETF Equities 464287622   422,982 1,878 SH   SOLE   1,878 0 0
iShares Russell 1000 Growth ETF Equities 464287614   702,693 2,876 SH   SOLE   2,876 0 0
iShares Russell 1000 Value ETF Equities 464287598   283,051 1,859 SH   SOLE   1,859 0 0
iShares Russell 2000 ETF Equities 464287655   1,103,582 6,186 SH   SOLE   6,186 0 0
iShares Russell Mid-Cap ETF Equities 464287499   1,241,849 17,761 SH   SOLE   17,761 0 0
iShares S&P Mid-Cap 400 Growth Equities 464287606   209,524 2,930 SH   SOLE   2,930 0 0
iShares Select Dividend ETF Equities 464287168   1,108,054 9,456 SH   SOLE   9,456 0 0
iShares Short Treasury Bond Equities 464288679   250,946 2,271 SH   SOLE   2,271 0 0
iShares Trust Core US Aggregate Equities 464287226   273,412 2,744 SH   SOLE   2,744 0 0
iShares US Preferred Stock ETF Equities 464288687   377,949 12,106 SH   SOLE   12,106 0 0
Johnson & Johnson Equities 478160104   32,550 210 SH   DFND   210 0 0
Johnson & Johnson Equities 478160104   8,709,450 56,190 SH   SOLE   55,755 140 295
JP Morgan Chase Equities 46625H100   80,271 616 SH   DFND   616 0 0
JP Morgan Chase Equities 46625H100   8,508,070 65,291 SH   SOLE   64,998 133 160
Kentucky First Federal Bancorp Equities 491292108   76,363 12,218 SH   SOLE   12,218 0 0
Kimberly-Clark Corp Equities 494368103   714,722 5,325 SH   SOLE   5,325 0 0
Lockheed Martin Corp Equities 539830109   315,784 668 SH   SOLE   668 0 0
Lowe's Companies Inc Equities 548661107   1,664,750 8,325 SH   SOLE   8,125 0 200
Mastercard Inc Class A Equities 57636Q104   3,870,317 10,650 SH   SOLE   10,238 0 412
McDonald's Corp Equities 580135101   20,971 75 SH   DFND   75 0 0
McDonald's Corp Equities 580135101   7,358,217 26,316 SH   SOLE   26,111 70 135
Medtronic Plc Corp Equities G5960L103   2,652,237 32,898 SH   SOLE   32,573 120 205
Merck & Co Inc Equities 58933Y105   9,043 85 SH   DFND   85 0 0
Merck & Co Inc Equities 58933Y105   1,459,245 13,716 SH   SOLE   13,541 0 175
Microsoft Corp Equities 594918104   165,773 575 SH   DFND   575 0 0
Microsoft Corp Equities 594918104   15,037,151 52,158 SH   SOLE   51,706 185 267
Mondelez International Inc A Equities 609207105   15,129 217 SH   DFND   217 0 0
Mondelez International Inc A Equities 609207105   2,480,847 35,583 SH   SOLE   35,343 240 0
Morgan Stanley Corp Equities 617446448   357,609 4,073 SH   SOLE   4,073 0 0
Nextera Energy Inc Equities 65339F101   6,552 85 SH   DFND   85 0 0
Nextera Energy Inc Equities 65339F101   3,928,613 50,968 SH   SOLE   50,593 125 250
Nike Inc Class B Equities 654106103   4,906 40 SH   DFND   40 0 0
Nike Inc Class B Equities 654106103   995,224 8,115 SH   SOLE   8,115 0 0
Norfolk Southern Corp Equities 655844108   17,172 81 SH   DFND   81 0 0
Norfolk Southern Corp Equities 655844108   5,054,716 23,843 SH   SOLE   23,793 50 0
Novartis Ag ADR Equities 66987V109   389,344 4,232 SH   SOLE   4,232 0 0
NVIDIA Corp Equities 67066G104   654,148 2,355 SH   SOLE   2,355 0 0
Opko Health Inc Equities 68375N103   73,438 50,300 SH   SOLE   50,300 0 0
Oracle Corporation Equities 68389X105   517,193 5,566 SH   SOLE   5,566 0 0
Otis Worldwide Corp Equities 68902V107   3,798 45 SH   DFND   45 0 0
Otis Worldwide Corp Equities 68902V107   284,934 3,376 SH   SOLE   3,376 0 0
Pepsico Inc Equities 713448108   3,380,983 18,546 SH   SOLE   18,221 0 325
Pfizer Inc Equities 717081103   27,173 666 SH   DFND   666 0 0
Pfizer Inc Equities 717081103   5,104,325 125,106 SH   SOLE   124,011 270 825
PNC Financial Services Group Equities 693475105   536,743 4,223 SH   SOLE   4,223 0 0
PPG Industries Inc Equities 693506107   566,646 4,242 SH   SOLE   4,242 0 0
Procter & Gamble Co Equities 742718109   275,969 1,856 SH   DFND   1,856 0 0
Procter & Gamble Co Equities 742718109   8,890,175 59,790 SH   SOLE   59,325 100 365
Raytheon Technologies Corp Equities 75513E101   17,334 177 SH   DFND   177 0 0
Raytheon Technologies Corp Equities 75513E101   849,053 8,670 SH   SOLE   8,670 0 0
Realty Income Corp REIT Equities 756109104   31,660 500 SH   DFND   500 0 0
Realty Income Corp REIT Equities 756109104   1,204,410 19,021 SH   SOLE   18,646 0 375
Shoshone Silver Mining Company Equities 825356108   1 10,000 SH   SOLE   10,000 0 0
Southern Company Equities 842587107   6,262 90 SH   DFND   90 0 0
Southern Company Equities 842587107   1,444,411 20,759 SH   SOLE   20,484 0 275
SPDR Dow Jones Industrial Avera Equities 78467X109   239,819 721 SH   SOLE   721 0 0
SPDR S&P 500 ETF Equities 78462F103   98,254 240 SH   DFND   240 0 0
SPDR S&P 500 ETF Equities 78462F103   2,217,666 5,417 SH   SOLE   5,417 0 0
Starbucks Corp Equities 855244109   56,438 542 SH   DFND   542 0 0
Starbucks Corp Equities 855244109   5,074,776 48,735 SH   SOLE   48,475 200 60
T Rowe Price Group Inc. Equities 74144T108   684,739 6,065 SH   SOLE   5,790 0 275
Target Co Equities 87612E106   14,907 90 SH   DFND   90 0 0
Target Co Equities 87612E106   3,377,361 20,391 SH   SOLE   20,216 100 75
TJX Companies Inc Equities 872540109   327,702 4,182 SH   SOLE   4,182 0 0
Truist Financial Corp Equities 89832Q109   1,535 45 SH   DFND   45 0 0
Truist Financial Corp Equities 89832Q109   1,159,741 34,010 SH   SOLE   34,010 0 0
U.S. Bancorp Equities 902973304   250,891 6,960 SH   SOLE   6,610 0 350
Unilever Plc ADR Equities 904767704   21,551 415 SH   DFND   415 0 0
Unilever Plc ADR Equities 904767704   370,988 7,144 SH   SOLE   6,779 0 365
Union Pacific Corp Equities 907818108   1,071,508 5,324 SH   SOLE   5,324 0 0
United Parcel Service Inc Class Equities 911312106   62,077 320 SH   DFND   320 0 0
United Parcel Service Inc Class Equities 911312106   5,117,650 26,381 SH   SOLE   25,981 50 350
UnitedHealth Group Inc Equities 91324P102   648,393 1,372 SH   SOLE   1,372 0 0
Vanguard Developed Markets Inde Equities 921943858   526,682 11,660 SH   SOLE   11,660 0 0
Vanguard Dividend Appreciation Equities 921908844   632,057 4,104 SH   SOLE   4,104 0 0
Vanguard Growth Index ETF Equities 922908736   718,138 2,879 SH   SOLE   2,879 0 0
Vanguard Idx Total Stock Market Equities 922908769   332,071 1,627 SH   SOLE   1,627 0 0
Vanguard Information Technology Equities 92204A702   19,274 50 SH   DFND   50 0 0
Vanguard Information Technology Equities 92204A702   2,906,829 7,541 SH   SOLE   7,276 0 265
Vanguard Large Cap Index ETF Equities 922908637   495,607 2,653 SH   SOLE   2,653 0 0
Vanguard Mid-Cap Index ETF Equities 922908629   901,050 4,272 SH   SOLE   4,272 0 0
Vanguard REIT Index ETF Equities 922908553   773,518 9,315 SH   SOLE   9,315 0 0
Vanguard S&P 500 ETF Equities 922908363   716,413 1,905 SH   SOLE   1,905 0 0
Vanguard Small-Cap Index ETF Equities 922908751   575,125 3,034 SH   SOLE   3,034 0 0
Vanguard Value Index ETF Equities 922908744   434,218 3,144 SH   SOLE   3,144 0 0
Verizon Communications Inc Equities 92343V104   41,418 1,065 SH   DFND   1,065 0 0
Verizon Communications Inc Equities 92343V104   231,045 5,941 SH   SOLE   5,941 0 0
Visa Inc Class A Equities 92826C839   31,564 140 SH   DFND   140 0 0
Visa Inc Class A Equities 92826C839   4,960,571 22,002 SH   SOLE   21,457 0 545
Walgreens Boots Alliance Inc Equities 931427108   51,870 1,500 SH   DFND   1,500 0 0
Walgreens Boots Alliance Inc Equities 931427108   440,549 12,740 SH   SOLE   12,740 0 0
Walmart Stores Inc Equities 931142103   17,694 120 SH   DFND   120 0 0
Walmart Stores Inc Equities 931142103   1,045,863 7,093 SH   SOLE   7,093 0 0
Walt Disney Co Equities 254687106   30,540 305 SH   DFND   305 0 0
Walt Disney Co Equities 254687106   4,356,356 43,507 SH   SOLE   43,017 230 260
Wisdomtree Global Ex-US Quality Equities 97717W802   895,844 23,794 SH   SOLE   23,794 0 0
Wisdomtree US Midcap Dividend F Equities 97717W505   1,543,635 37,668 SH   SOLE   37,668 0 0
Wisdomtree US Smallcap Dividend Equities 97717W604   1,230,222 43,075 SH   SOLE   43,075 0 0