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 251 3,902 SH   SOLE 0 3,902 0 0
AFLAC, Inc. Com 001055102 32 500 SH   DFND 0 500 0 0
AT&T Inc. Com Com 00206R102 2,853 120,717 SH   SOLE 0 120,652 0 65
AT&T Inc. Com Com 00206R102 404 17,100 SH   DFND 0 17,100 0 0
Abbott Laboratories Com 002824100 2,799 23,644 SH   SOLE 0 23,609 0 35
Abbott Laboratories Com 002824100 191 1,616 SH   DFND 0 1,616 0 0
AbbVie Inc Com 00287Y109 4,306 26,564 SH   SOLE 0 26,564 0 0
AbbVie Inc Com 00287Y109 683 4,211 SH   DFND 0 4,211 0 0
Activision Blizzard Inc Com 00507V109 1,258 15,701 SH   SOLE 0 15,701 0 0
Activision Blizzard Inc Com 00507V109 29 356 SH   DFND 0 356 0 0
Adobe Systems Inc. Com 00724F101 2,909 6,384 SH   SOLE 0 6,384 0 0
Adobe Systems Inc. Com 00724F101 116 254 SH   DFND 0 254 0 0
Air Products & Chemicals Com 009158106 456 1,823 SH   SOLE 0 1,823 0 0
Air Products & Chemicals Com 009158106 4 15 SH   DFND 0 15 0 0
Alphabet Inc Cl C Com 02079K107 1,832 656 SH   SOLE 0 656 0 0
Alphabet Inc Cl C Com 02079K107 148 53 SH   DFND 0 53 0 0
Alphabet Inc. Cl A Com 02079K305 8,414 3,025 SH   SOLE 0 3,025 0 0
Alphabet Inc. Cl A Com 02079K305 389 140 SH   DFND 0 140 0 0
Altria Group Inc. Com 02209S103 844 16,150 SH   SOLE 0 16,150 0 0
Altria Group Inc. Com 02209S103 97 1,855 SH   DFND 0 1,855 0 0
Amazon.Com, Inc. Com 023135106 8,489 2,604 SH   SOLE 0 2,604 0 0
Amazon.Com, Inc. Com 023135106 554 170 SH   DFND 0 170 0 0
American Express Co Com 025816109 724 3,870 SH   SOLE 0 3,870 0 0
American Express Co Com 025816109 359 1,920 SH   DFND 0 1,920 0 0
American Tower Corporation REIT Com 03027X100 219 870 SH   SOLE 0 870 0 0
Ameriprise Financial, Inc. Com 03076C106 797 2,655 SH   SOLE 0 2,655 0 0
Ameriprise Financial, Inc. Com 03076C106 2 5 SH   DFND 0 5 0 0
Amgen Inc. Com 031162100 1,117 4,618 SH   SOLE 0 4,618 0 0
Amgen Inc. Com 031162100 94 390 SH   DFND 0 390 0 0
Analog Devices Inc. Com 032654105 395 2,392 SH   SOLE 0 2,392 0 0
Analog Devices Inc. Com 032654105 23 138 SH   DFND 0 138 0 0
Apple, Inc. Com 037833100 21,867 125,235 SH   SOLE 0 125,190 0 45
Apple, Inc. Com 037833100 1,882 10,776 SH   DFND 0 10,776 0 0
Applied Materials Inc. Com 038222105 5,507 41,783 SH   SOLE 0 41,748 0 35
Applied Materials Inc. Com 038222105 221 1,673 SH   DFND 0 1,673 0 0
Automatic Data Processing Com 053015103 1,300 5,714 SH   SOLE 0 5,714 0 0
Automatic Data Processing Com 053015103 160 705 SH   DFND 0 705 0 0
Bank Of America Corporation Com 060505104 2,941 71,357 SH   SOLE 0 71,357 0 0
Bank Of America Corporation Com 060505104 198 4,809 SH   DFND 0 4,809 0 0
Baxter International, Inc. Com 071813109 271 3,500 SH   SOLE 0 3,500 0 0
Baxter International, Inc. Com 071813109 16 200 SH   DFND 0 200 0 0
Becton, Dickinson and Co. Com 075887109 251 943 SH   SOLE 0 943 0 0
Berkshire Hathaway, Inc. Cl A Com 084670108 1,058 2 SH   SOLE 0 2 0 0
Berkshire Hathaway Inc Cl B Com 084670702 1,524 4,317 SH   SOLE 0 4,307 0 10
Berkshire Hathaway Inc Cl B Com 084670702 100 283 SH   DFND 0 283 0 0
Berkshire Hills Bancorp Inc Com 084680107 269 9,294 SH   SOLE 0 9,294 0 0
BHP Group Limited Spon ADR Com 088606108 222 2,880 SH   SOLE 0 2,880 0 0
BHP Group Limited Spon ADR Com 088606108 5 60 SH   DFND 0 60 0 0
Blackrock Inc Com 09247X101 980 1,283 SH   SOLE 0 1,283 0 0
Blackrock Inc Com 09247X101 65 85 SH   DFND 0 85 0 0
Bristol Myers Squibb Co. Com 110122108 4,093 56,050 SH   SOLE 0 56,000 0 50
Bristol Myers Squibb Co. Com 110122108 472 6,461 SH   DFND 0 6,461 0 0
Cigna Corp Com 125523100 258 1,075 SH   SOLE 0 1,075 0 0
CVS Health Corp Com 126650100 3,392 33,516 SH   SOLE 0 33,471 0 45
CVS Health Corp Com 126650100 195 1,922 SH   DFND 0 1,922 0 0
Campbell Soup Co Com 134429109 232 5,215 SH   SOLE 0 5,215 0 0
Campbell Soup Co Com 134429109 27 600 SH   DFND 0 600 0 0
Capital One Financial Corp. Com 14040H105 1,349 10,273 SH   SOLE 0 10,273 0 0
Capital One Financial Corp. Com 14040H105 67 508 SH   DFND 0 508 0 0
Caterpillar Inc. Com 149123101 2,375 10,657 SH   SOLE 0 10,657 0 0
Caterpillar Inc. Com 149123101 94 422 SH   DFND 0 422 0 0
Chevron Corp com Com 166764100 5,832 35,817 SH   SOLE 0 35,797 0 20
Chevron Corp com Com 166764100 453 2,779 SH   DFND 0 2,779 0 0
Chipotle Mexican Grill Inc. Com 169656105 565 357 SH   SOLE 0 357 0 0
Chipotle Mexican Grill Inc. Com 169656105 32 20 SH   DFND 0 20 0 0
Cisco Systems, Inc. Com 17275R102 2,543 45,600 SH   SOLE 0 45,525 0 75
Cisco Systems, Inc. Com 17275R102 276 4,948 SH   DFND 0 4,948 0 0
Citrix Systems Inc Com 177376100 371 3,674 SH   SOLE 0 3,674 0 0
Citrix Systems Inc Com 177376100 33 325 SH   DFND 0 325 0 0
Coca Cola Com 191216100 2,686 43,330 SH   SOLE 0 43,330 0 0
Coca Cola Com 191216100 775 12,496 SH   DFND 0 12,496 0 0
Cognizant Tech Solutions-A Com 192446102 2,401 26,776 SH   SOLE 0 26,776 0 0
Cognizant Tech Solutions-A Com 192446102 52 583 SH   DFND 0 583 0 0
ComCast Corporation Cl A Com 20030N101 2,464 52,618 SH   SOLE 0 52,548 0 70
ComCast Corporation Cl A Com 20030N101 157 3,362 SH   DFND 0 3,362 0 0
ConocoPhillips Com 20825C104 153 1,533 SH   SOLE 0 1,533 0 0
ConocoPhillips Com 20825C104 224 2,241 SH   DFND 0 2,241 0 0
Consolidated Edison Inc. Com 209115104 944 9,970 SH   SOLE 0 9,970 0 0
Consolidated Edison Inc. Com 209115104 374 3,955 SH   DFND 0 3,955 0 0
Corecare Sys Inc Com 218908101 0 10,000 SH   SOLE 0 10,000 0 0
Costco Wholesale Corporation Com 22160K105 913 1,585 SH   SOLE 0 1,580 0 5
Costco Wholesale Corporation Com 22160K105 10 17 SH   DFND 0 17 0 0
Cummins, Inc. Com 231021106 669 3,263 SH   SOLE 0 3,263 0 0
Cummins, Inc. Com 231021106 9 45 SH   DFND 0 45 0 0
Danaher Corp. Com Com 235851102 582 1,985 SH   SOLE 0 1,985 0 0
Darden Restaurants Inc. Com 237194105 269 2,025 SH   SOLE 0 2,025 0 0
Darden Restaurants Inc. Com 237194105 13 100 SH   DFND 0 100 0 0
Deere & Co. Com 244199105 1,732 4,170 SH   SOLE 0 4,170 0 0
Deere & Co. Com 244199105 224 539 SH   DFND 0 539 0 0
The Walt Disney Company Com 254687106 2,893 21,091 SH   SOLE 0 21,091 0 0
The Walt Disney Company Com 254687106 168 1,225 SH   DFND 0 1,225 0 0
Dominion Energy Inc. Com 25746U109 1,005 11,828 SH   SOLE 0 11,828 0 0
Dominion Energy Inc. Com 25746U109 116 1,365 SH   DFND 0 1,365 0 0
Dow Inc Com 260557103 864 13,563 SH   SOLE 0 13,563 0 0
Dow Inc Com 260557103 107 1,678 SH   DFND 0 1,678 0 0
Duke Energy Corp Com 26441C204 2,640 23,640 SH   SOLE 0 23,640 0 0
Duke Energy Corp Com 26441C204 249 2,229 SH   DFND 0 2,229 0 0
Dupont De Nemours Inc Com 26614N102 2,325 31,595 SH   SOLE 0 31,565 0 30
Dupont De Nemours Inc Com 26614N102 110 1,493 SH   DFND 0 1,493 0 0
Emerson Electric Co Com 291011104 1,508 15,383 SH   SOLE 0 15,383 0 0
Emerson Electric Co Com 291011104 28 283 SH   DFND 0 283 0 0
Entergy Corp. Com 29364G103 692 5,926 SH   SOLE 0 5,926 0 0
Entergy Corp. Com 29364G103 105 900 SH   DFND 0 900 0 0
Exelon Corp. Com 30161N101 682 14,317 SH   SOLE 0 14,277 0 40
Exelon Corp. Com 30161N101 84 1,770 SH   DFND 0 1,770 0 0
Exxon Mobil Corporation Com 30231G102 1,169 14,160 SH   SOLE 0 14,160 0 0
Exxon Mobil Corporation Com 30231G102 185 2,240 SH   DFND 0 2,240 0 0
Meta Platforms Inc Com 30303M102 2,446 11,001 SH   SOLE 0 11,001 0 0
Meta Platforms Inc Com 30303M102 103 464 SH   DFND 0 464 0 0
Fedex Corp. Com 31428X106 386 1,670 SH   SOLE 0 1,670 0 0
General Electric Co Com 369604301 1,100 12,024 SH   SOLE 0 12,024 0 0
General Electric Co Com 369604301 154 1,688 SH   DFND 0 1,688 0 0
Gilead Sciences, Inc. Com 375558103 562 9,445 SH   SOLE 0 9,445 0 0
Gilead Sciences, Inc. Com 375558103 18 300 SH   DFND 0 300 0 0
Glaxosmithkline Plc Sponsored ADR Com 37733W105 377 8,650 SH   DFND 0 8,650 0 0
Global X US Preferred ETF Pfd Stk 37954Y657 2,828 120,339 SH   SOLE 0 120,339 0 0
Global X US Preferred ETF Pfd Stk 37954Y657 84 3,572 SH   DFND 0 3,572 0 0
Goldman Sachs Group Inc. Com 38141G104 1,593 4,825 SH   SOLE 0 4,825 0 0
Goldman Sachs Group Inc. Com 38141G104 24 73 SH   DFND 0 73 0 0
Goldman Sachs Active Beta ETF Com 381430503 884 9,929 SH   SOLE 0 9,929 0 0
Goldman Sachs Active Beta ETF Com 381430503 228 2,565 SH   DFND 0 2,565 0 0
HP Inc. Com 40434L105 283 7,790 SH   SOLE 0 7,790 0 0
HP Inc. Com 40434L105 48 1,325 SH   DFND 0 1,325 0 0
Home Depot, Inc. Com 437076102 3,077 10,279 SH   SOLE 0 10,269 0 10
Home Depot, Inc. Com 437076102 467 1,560 SH   DFND 0 1,560 0 0
Honeywell International Inc. Com 438516106 1,046 5,374 SH   SOLE 0 5,364 0 10
Honeywell International Inc. Com 438516106 299 1,535 SH   DFND 0 1,535 0 0
Humana Inc Com 444859102 498 1,144 SH   SOLE 0 1,144 0 0
Independent Bank Corp Mass Com 453836108 507 6,210 SH   SOLE 0 6,210 0 0
Independent Bank Corp Mass Com 453836108 223 2,735 SH   DFND 0 2,735 0 0
Intel Corp Com 458140100 2,826 57,028 SH   SOLE 0 57,028 0 0
Intel Corp Com 458140100 245 4,935 SH   DFND 0 4,935 0 0
International Business Machines Com 459200101 1,926 14,810 SH   SOLE 0 14,810 0 0
International Business Machines Com 459200101 405 3,112 SH   DFND 0 3,112 0 0
International Paper Com 460146103 448 9,709 SH   SOLE 0 9,709 0 0
International Paper Com 460146103 91 1,965 SH   DFND 0 1,965 0 0
Intuit Inc Com 461202103 941 1,957 SH   SOLE 0 1,957 0 0
Invesco II Pfd-ETF Pfd Stk 46138E511 9,229 680,089 SH   SOLE 0 679,489 0 600
Invesco II Pfd-ETF Pfd Stk 46138E511 703 51,826 SH   DFND 0 51,826 0 0
Iron Mountain Inc. Com 46284V101 558 10,078 SH   DFND 0 10,078 0 0
IShares MSCI Emerging Mkts Min Vol Factor ETF Com 464286533 1,777 29,115 SH   SOLE 0 29,115 0 0
IShares MSCI Emerging Mkts Min Vol Factor ETF Com 464286533 12 194 SH   DFND 0 194 0 0
iShares S&P 500 Index - ETF Com 464287200 740 1,632 SH   SOLE 0 1,632 0 0
Ishares Core U.S. Aggregate-ETF Com 464287226 6,739 62,923 SH   SOLE 0 62,923 0 0
Ishares Core U.S. Aggregate-ETF Com 464287226 230 2,149 SH   DFND 0 2,149 0 0
iShares MSCI EAFE Index - ETF Com 464287465 218 2,960 SH   SOLE 0 2,960 0 0
iShares MSCI EAFE Index - ETF Com 464287465 52 713 SH   DFND 0 713 0 0
IShares Tr Short-Term Corp Bd-ETF Com 464288646 5,759 111,358 SH   SOLE 0 111,358 0 0
IShares Tr Short-Term Corp Bd-ETF Com 464288646 572 11,065 SH   DFND 0 11,065 0 0
Ishares MSCI International Quality Com 46434V456 3,128 84,838 SH   SOLE 0 84,838 0 0
Ishares MSCI International Quality Com 46434V456 23 611 SH   DFND 0 611 0 0
JPMorgan Chase & Company Com 46625H100 7,983 58,563 SH   SOLE 0 58,538 0 25
JPMorgan Chase & Company Com 46625H100 848 6,217 SH   DFND 0 6,217 0 0
Johnson & Johnson Com 478160104 5,277 29,776 SH   SOLE 0 29,776 0 0
Johnson & Johnson Com 478160104 562 3,172 SH   DFND 0 3,172 0 0
Kimberly-Clark Corp Com 494368103 784 6,363 SH   SOLE 0 6,363 0 0
Kimberly-Clark Corp Com 494368103 174 1,414 SH   DFND 0 1,414 0 0
Lilly, Eli & Co Com 532457108 2,635 9,203 SH   SOLE 0 9,203 0 0
Lilly, Eli & Co Com 532457108 265 925 SH   DFND 0 925 0 0
Lockheed Martin Corporation Com 539830109 2,606 5,904 SH   SOLE 0 5,904 0 0
Lockheed Martin Corporation Com 539830109 187 424 SH   DFND 0 424 0 0
Lowe's Companies, Inc. Com 548661107 4,782 23,651 SH   SOLE 0 23,631 0 20
Lowe's Companies, Inc. Com 548661107 229 1,134 SH   DFND 0 1,134 0 0
Masco Corporation Com 574599106 504 9,875 SH   SOLE 0 9,875 0 0
McDonald's Corp. Com 580135101 4,397 17,783 SH   SOLE 0 17,783 0 0
McDonald's Corp. Com 580135101 443 1,791 SH   DFND 0 1,791 0 0
Merck & Co. Inc. Com 58933Y105 2,124 25,891 SH   SOLE 0 25,891 0 0
Merck & Co. Inc. Com 58933Y105 319 3,888 SH   DFND 0 3,888 0 0
MetLife Inc. Com Com 59156R108 909 12,937 SH   SOLE 0 12,937 0 0
MetLife Inc. Com Com 59156R108 8 107 SH   DFND 0 107 0 0
Microsoft Corp Com 594918104 16,488 53,480 SH   SOLE 0 53,455 0 25
Microsoft Corp Com 594918104 1,307 4,238 SH   DFND 0 4,238 0 0
Microchip Technology Inc. Com 595017104 1,075 14,313 SH   SOLE 0 14,313 0 0
Microchip Technology Inc. Com 595017104 152 2,025 SH   DFND 0 2,025 0 0
National Grid Plc-SP ADR Com 636274409 711 9,250 SH   SOLE 0 9,250 0 0
National Grid Plc-SP ADR Com 636274409 100 1,297 SH   DFND 0 1,297 0 0
NextEra Energy Inc. Com 65339F101 3,687 43,521 SH   SOLE 0 43,496 0 25
NextEra Energy Inc. Com 65339F101 323 3,814 SH   DFND 0 3,814 0 0
Nike Inc. Class B Com 654106103 2,846 21,148 SH   SOLE 0 21,123 0 25
Nike Inc. Class B Com 654106103 129 959 SH   DFND 0 959 0 0
Novartis AG Sponsored ADR Com 66987V109 232 2,645 SH   SOLE 0 2,645 0 0
Novartis AG Sponsored ADR Com 66987V109 31 352 SH   DFND 0 352 0 0
Nucor Corporation Com 670346105 507 3,410 SH   SOLE 0 3,410 0 0
Nucor Corporation Com 670346105 59 400 SH   DFND 0 400 0 0
Nvidia Corporation Com 67066G104 3,502 12,835 SH   SOLE 0 12,815 0 20
Nvidia Corporation Com 67066G104 181 663 SH   DFND 0 663 0 0
Oracle Corp. Com 68389X105 845 10,217 SH   SOLE 0 10,217 0 0
Oracle Corp. Com 68389X105 56 680 SH   DFND 0 680 0 0
PPL Corporation Com 69351T106 385 13,475 SH   SOLE 0 13,475 0 0
PPL Corporation Com 69351T106 24 850 SH   DFND 0 850 0 0
Pepsico Inc Com 713448108 2,227 13,307 SH   SOLE 0 13,307 0 0
Pepsico Inc Com 713448108 338 2,017 SH   DFND 0 2,017 0 0
Pfizer, Inc Com 717081103 3,166 61,162 SH   SOLE 0 61,162 0 0
Pfizer, Inc Com 717081103 609 11,764 SH   DFND 0 11,764 0 0
Philip Morris Intl Inc. Com 718172109 711 7,565 SH   SOLE 0 7,565 0 0
Philip Morris Intl Inc. Com 718172109 35 370 SH   DFND 0 370 0 0
Phillips 66 Com 718546104 50 574 SH   SOLE 0 574 0 0
Phillips 66 Com 718546104 169 1,952 SH   DFND 0 1,952 0 0
T Rowe Price Group Inc Com 74144T108 994 6,574 SH   SOLE 0 6,574 0 0
T Rowe Price Group Inc Com 74144T108 45 300 SH   DFND 0 300 0 0
Principal Financial Group Inc. Com 74251V102 781 10,633 SH   SOLE 0 10,633 0 0
Principal Financial Group Inc. Com 74251V102 70 955 SH   DFND 0 955 0 0
Procter & Gamble Co Com 742718109 5,377 35,189 SH   SOLE 0 35,189 0 0
Procter & Gamble Co Com 742718109 522 3,413 SH   DFND 0 3,413 0 0
Prudential Financial Inc. Com 744320102 1,145 9,690 SH   SOLE 0 9,665 0 25
Prudential Financial Inc. Com 744320102 28 235 SH   DFND 0 235 0 0
Public Storage Com 74460D109 1,974 5,059 SH   SOLE 0 5,059 0 0
Public Storage Com 74460D109 31 80 SH   DFND 0 80 0 0
Qualcomm Inc Com 747525103 5,169 33,823 SH   SOLE 0 33,823 0 0
Qualcomm Inc Com 747525103 331 2,164 SH   DFND 0 2,164 0 0
Raytheon Technologies Corp Com 75513E101 2,246 22,669 SH   SOLE 0 22,659 0 10
Raytheon Technologies Corp Com 75513E101 189 1,906 SH   DFND 0 1,906 0 0
Regeneron Pharmaceuticals Com 75886F107 1,381 1,977 SH   SOLE 0 1,977 0 0
Regeneron Pharmaceuticals Com 75886F107 51 73 SH   DFND 0 73 0 0
S&P Global Com 78409V104 115 280 SH   SOLE 0 280 0 0
S&P Global Com 78409V104 230 560 SH   DFND 0 560 0 0
MFC SPDR Series Trust S&P 500 Growth - ETF Com 78464A409 985 14,875 SH   SOLE 0 14,875 0 0
MFC SPDR Series Trust S&P 500 Growth - ETF Com 78464A409 261 3,945 SH   DFND 0 3,945 0 0
Salesforce Inc Com 79466L302 4,263 20,077 SH   SOLE 0 20,077 0 0
Salesforce Inc Com 79466L302 151 712 SH   DFND 0 712 0 0
Select Sector SPDR-Materials - ETF Com 81369Y100 355 4,032 SH   SOLE 0 4,032 0 0
Select Sector SPDR-Materials - ETF Com 81369Y100 19 214 SH   DFND 0 214 0 0
Select Sector SPDR-Health Care - ETF Com 81369Y209 1,791 13,071 SH   SOLE 0 13,071 0 0
Select Sector SPDR-Health Care - ETF Com 81369Y209 82 600 SH   DFND 0 600 0 0
Select Sector SPDR-Consumer Staples - ETF Com 81369Y308 727 9,575 SH   SOLE 0 9,575 0 0
Select Sector SPDR-Consumer Staples - ETF Com 81369Y308 36 478 SH   DFND 0 478 0 0
Select Sector SPDR-Cons. Discretionary - ETF Com 81369Y407 1,573 8,503 SH   SOLE 0 8,503 0 0
Select Sector SPDR-Cons. Discretionary - ETF Com 81369Y407 73 397 SH   DFND 0 397 0 0
Select Sector SPDR-Energy - ETF Com 81369Y506 449 5,878 SH   SOLE 0 5,878 0 0
Select Sector SPDR-Energy - ETF Com 81369Y506 20 263 SH   DFND 0 263 0 0
Select Sector SPDR-Financial - ETF Com 81369Y605 1,453 37,907 SH   SOLE 0 37,907 0 0
Select Sector SPDR-Financial - ETF Com 81369Y605 72 1,867 SH   DFND 0 1,867 0 0
Select Sector SPDR-Industrial - ETF Com 81369Y704 1,141 11,084 SH   SOLE 0 11,084 0 0
Select Sector SPDR-Industrial - ETF Com 81369Y704 53 518 SH   DFND 0 518 0 0
Select Sector SPDR-Technology - ETF Com 81369Y803 3,753 23,614 SH   SOLE 0 23,614 0 0
Select Sector SPDR-Technology - ETF Com 81369Y803 190 1,198 SH   DFND 0 1,198 0 0
Select Sector SPDR- Comm Services-ETF Com 81369Y852 1,355 19,705 SH   SOLE 0 19,705 0 0
Select Sector SPDR- Comm Services-ETF Com 81369Y852 41 603 SH   DFND 0 603 0 0
Select Sector SPDR-Real Estate - ETF Com 81369Y860 415 8,582 SH   SOLE 0 8,582 0 0
Select Sector SPDR-Real Estate - ETF Com 81369Y860 11 222 SH   DFND 0 222 0 0
Select Sector SPDR Fund-Utilities - ETF Com 81369Y886 234 3,143 SH   SOLE 0 3,143 0 0
Select Sector SPDR Fund-Utilities - ETF Com 81369Y886 13 177 SH   DFND 0 177 0 0
Service Corp. Intl. Com 817565104 294 4,460 SH   DFND 0 4,460 0 0
Skyworks Solutions, Inc. Com 83088M102 403 3,024 SH   SOLE 0 3,024 0 0
Skyworks Solutions, Inc. Com 83088M102 3 20 SH   DFND 0 20 0 0
Southern Co Com 842587107 884 12,197 SH   SOLE 0 12,197 0 0
Southern Co Com 842587107 32 435 SH   DFND 0 435 0 0
Southern Copper Corporation Com 84265V105 315 4,150 SH   SOLE 0 4,150 0 0
Southern Copper Corporation Com 84265V105 2 20 SH   DFND 0 20 0 0
Starbucks Corporation Com 855244109 1,305 14,341 SH   SOLE 0 14,341 0 0
Starbucks Corporation Com 855244109 58 635 SH   DFND 0 635 0 0
State Street Corp. Com 857477103 533 6,115 SH   SOLE 0 6,115 0 0
State Street Corp. Com 857477103 9 100 SH   DFND 0 100 0 0
Stryker Corp Com 863667101 2,450 9,163 SH   SOLE 0 9,163 0 0
Stryker Corp Com 863667101 134 503 SH   DFND 0 503 0 0
TJX Companies Inc. Com 872540109 1,331 21,976 SH   SOLE 0 21,976 0 0
TJX Companies Inc. Com 872540109 78 1,285 SH   DFND 0 1,285 0 0
Target Corp. Com 87612E106 4,081 19,232 SH   SOLE 0 19,232 0 0
Target Corp. Com 87612E106 414 1,953 SH   DFND 0 1,953 0 0
Texas Instruments Inc Com 882508104 202 1,100 SH   SOLE 0 1,100 0 0
Texas Instruments Inc Com 882508104 55 300 SH   DFND 0 300 0 0
Thermo Fisher Scientific Inc Com 883556102 1,210 2,049 SH   SOLE 0 2,049 0 0
Thermo Fisher Scientific Inc Com 883556102 9 15 SH   DFND 0 15 0 0
3M Company Com 88579Y101 1,970 13,233 SH   SOLE 0 13,233 0 0
3M Company Com 88579Y101 184 1,239 SH   DFND 0 1,239 0 0
Toronto Dominion Bank Com 891160509 1,992 25,081 SH   SOLE 0 25,081 0 0
Toronto Dominion Bank Com 891160509 314 3,954 SH   DFND 0 3,954 0 0
The Travelers Companies Inc. Com 89417E109 571 3,127 SH   SOLE 0 3,127 0 0
The Travelers Companies Inc. Com 89417E109 37 200 SH   DFND 0 200 0 0
Truist Financial Corp Com 89832Q109 1,454 25,637 SH   SOLE 0 25,637 0 0
Truist Financial Corp Com 89832Q109 458 8,080 SH   DFND 0 8,080 0 0
US Bancorp Del Com Com 902973304 219 4,122 SH   SOLE 0 4,122 0 0
US Bancorp Del Com Com 902973304 195 3,666 SH   DFND 0 3,666 0 0
Unilever PLC Sponsored ADR New Com 904767704 170 3,735 SH   SOLE 0 3,735 0 0
Unilever PLC Sponsored ADR New Com 904767704 70 1,530 SH   DFND 0 1,530 0 0
Union Pacific Corp Com 907818108 2,610 9,552 SH   SOLE 0 9,552 0 0
Union Pacific Corp Com 907818108 78 286 SH   DFND 0 286 0 0
United Parcel Service Com 911312106 4,082 19,034 SH   SOLE 0 19,029 0 5
United Parcel Service Com 911312106 358 1,669 SH   DFND 0 1,669 0 0
UnitedHealth Group Inc. Com 91324P102 4,460 8,745 SH   SOLE 0 8,740 0 5
UnitedHealth Group Inc. Com 91324P102 162 318 SH   DFND 0 318 0 0
MFC Vaneck ETF TR Com 92189F429 1,864 90,755 SH   SOLE 0 90,755 0 0
MFC Vaneck ETF TR Com 92189F429 240 11,676 SH   DFND 0 11,676 0 0
Vanguard Mega Cap Value ETF Com 921910840 627 5,845 SH   SOLE 0 5,845 0 0
Vanguard Mega Cap Value ETF Com 921910840 214 1,995 SH   DFND 0 1,995 0 0
Vanguard Russell 2000 ETF Com 92206C664 364 4,390 SH   SOLE 0 4,390 0 0
Vanguard Russell 2000 ETF Com 92206C664 6 70 SH   DFND 0 70 0 0
Vanguard Real Estate-ETF Com 922908553 8,762 80,854 SH   SOLE 0 80,854 0 0
Vanguard Real Estate-ETF Com 922908553 492 4,543 SH   DFND 0 4,543 0 0
Vanguard Index Mid-Cap ETF Com 922908629 472 1,984 SH   SOLE 0 1,984 0 0
Vanguard Index Mid-Cap ETF Com 922908629 9 37 SH   DFND 0 37 0 0
Verizon Communications Inc. Com 92343V104 4,732 92,884 SH   SOLE 0 92,834 0 50
Verizon Communications Inc. Com 92343V104 540 10,597 SH   DFND 0 10,597 0 0
Visa, Inc. Com 92826C839 3,578 16,134 SH   SOLE 0 16,134 0 0
Visa, Inc. Com 92826C839 168 758 SH   DFND 0 758 0 0
Wal-Mart Stores Inc Com 931142103 4,862 32,647 SH   SOLE 0 32,647 0 0
Wal-Mart Stores Inc Com 931142103 548 3,677 SH   DFND 0 3,677 0 0
Walgreens Boots Alliance Inc. Com 931427108 274 6,110 SH   SOLE 0 6,110 0 0
Walgreens Boots Alliance Inc. Com 931427108 1 25 SH   DFND 0 25 0 0
Williams-Sonoma, Inc. Com 969904101 337 2,325 SH   SOLE 0 2,325 0 0
Williams-Sonoma, Inc. Com 969904101 9 60 SH   DFND 0 60 0 0
WisdomTree U.S. Midcap Dividend Fund-ETF Com 97717W505 805 18,113 SH   SOLE 0 18,113 0 0
WisdomTree U.S. Midcap Dividend Fund-ETF Com 97717W505 22 488 SH   DFND 0 488 0 0
WisdomTree U.S. Small Cap Dividend Fund ETF Com 97717W604 572 17,938 SH   SOLE 0 17,938 0 0
WisdomTree U.S. Small Cap Dividend Fund ETF Com 97717W604 16 517 SH   DFND 0 517 0 0
Wisdomtree International Equity Fund ETF Com 97717W703 1,572 29,796 SH   SOLE 0 29,796 0 0
Wisdomtree International Equity Fund ETF Com 97717W703 31 582 SH   DFND 0 582 0 0
Eaton Corp PLC Com G29183103 1,718 11,318 SH   SOLE 0 11,308 0 10
Eaton Corp PLC Com G29183103 579 3,815 SH   DFND 0 3,815 0 0
Linde PLC Com G5494J103 1,068 3,342 SH   SOLE 0 3,342 0 0
Linde PLC Com G5494J103 46 145 SH   DFND 0 145 0 0
Medtronic Hldg Ltd Com G5960L103 3,744 33,742 SH   SOLE 0 33,742 0 0
Medtronic Hldg Ltd Com G5960L103 147 1,325 SH   DFND 0 1,325 0 0
Chubb Ltd Com H1467J104 3,311 15,481 SH   SOLE 0 15,481 0 0
Chubb Ltd Com H1467J104 218 1,020 SH   DFND 0 1,020 0 0
Check Point Software Com M22465104 372 2,690 SH   SOLE 0 2,690 0 0
Check Point Software Com M22465104 22 160 SH   DFND 0 160 0 0