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 CO COM 88579Y101 194 1,246 SH   DFND   0 0 1,246
3M CO COM 88579Y101 1,632 10,465 SH   SOLE   0 0 10,465
ABBOTT LABORATORIES COM 002824100 83 904 SH   DFND   0 0 904
ABBOTT LABORATORIES COM 002824100 2,919 31,926 SH   SOLE   0 0 31,926
ABBVIE INC COM 00287Y109 303 3,082 SH   DFND   0 0 3,082
ABBVIE INC COM 00287Y109 133 1,350 SH   SOLE   0 0 1,350
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 561 2,613 SH   DFND   0 0 2,613
AIR PRODS & CHEMS INC COM 009158106 452 1,870 SH   DFND   0 0 1,870
AMAZON.COM INC COM 023135106 2,017 731 SH   DFND   0 0 731
AMAZON.COM INC COM 023135106 55 20 SH   SOLE   0 0 20
AMERICAN EXPRESS CO COM 025816109 231 2,425 SH   DFND   0 0 2,425
AMERICAN EXPRESS CO COM 025816109 3,233 33,964 SH   SOLE   0 0 33,964
AMGEN INC COM 031162100 415 1,760 SH   DFND   0 0 1,760
AMGEN INC COM 031162100 177 750 SH   SOLE   0 0 750
APPLE INC COM 037833100 2,705 7,415 SH   DFND   0 0 7,415
APPLE INC COM 037833100 3,957 10,848 SH   SOLE   0 0 10,848
AT&T INC COM 00206R102 400 13,219 SH   DFND   0 0 13,219
AT&T INC COM 00206R102 37,797 1,250,320 SH   SOLE   0 0 1,250,320
AUTODESK INC COM 052769106 498 2,083 SH   DFND   0 0 2,083
BAXTER INTL INC COM 071813109 430 4,997 SH   DFND   0 0 4,997
BECTON DICKINSON & CO COM 075887109 423 1,768 SH   DFND   0 0 1,768
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 458 2,564 SH   DFND   0 0 2,564
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 89 500 SH   SOLE   0 0 500
BOYD GAMING CORP COM 103304101 8,360 400,000 SH   SOLE   0 0 400,000
BRISTOL-MYERS SQUIBB CO COM 110122108 502 8,538 SH   DFND   0 0 8,538
BRYN MAWR BK CORP COM 117665109 261 9,453 SH   SOLE   0 0 9,453
CARRIER GLOBAL CORPORATION COM 14448C104 19 843 SH   DFND   0 0 843
CARRIER GLOBAL CORPORATION COM 14448C104 315 14,165 SH   SOLE   0 0 14,165
CATERPILLAR INC DEL COM 149123101 56 446 SH   DFND   0 0 446
CATERPILLAR INC DEL COM 149123101 2,168 17,141 SH   SOLE   0 0 17,141
CHEVRON CORP NEW COM 166764100 255 2,858 SH   DFND   0 0 2,858
CHEVRON CORP NEW COM 166764100 223 2,500 SH   SOLE   0 0 2,500
COCA COLA CO COM 191216100 89 2,003 SH   DFND   0 0 2,003
COCA COLA CO COM 191216100 20,243 453,060 SH   SOLE   0 0 453,060
COLGATE PALMOLIVE CO COM 194162103 284 3,878 SH   DFND   0 0 3,878
COLGATE PALMOLIVE CO COM 194162103 1,960 26,758 SH   SOLE   0 0 26,758
COSTCO WHOLESALE CORP COM 22160K105 202 665 SH   DFND   0 0 665
CVS HEALTH CORP COM 126650100 236 3,631 SH   DFND   0 0 3,631
DEERE & CO COM 244199105 89 565 SH   DFND   0 0 565
DEERE & CO COM 244199105 2,485 15,810 SH   SOLE   0 0 15,810
DISNEY WALT CO COM DISNEY 254687106 434 3,890 SH   DFND   0 0 3,890
DISNEY WALT CO COM DISNEY 254687106 1,520 13,630 SH   SOLE   0 0 13,630
DUPONT DE NEMOURS INC COM 26614N102 65 1,225 SH   DFND   0 0 1,225
DUPONT DE NEMOURS INC COM 26614N102 758 14,271 SH   SOLE   0 0 14,271
EMERSON ELECTRIC CO COM 291011104 202 3,250 SH   DFND   0 0 3,250
EMERSON ELECTRIC CO COM 291011104 1,744 28,121 SH   SOLE   0 0 28,121
EXXON MOBIL CORP COM 30231G102 246 5,490 SH   DFND   0 0 5,490
EXXON MOBIL CORP COM 30231G102 1,416 31,655 SH   SOLE   0 0 31,655
FORD MTR CO DEL COM 345370860 1,848 304,000 SH   SOLE   0 0 304,000
GILEAD SCIENCES INC COM 375558103 662 8,606 SH   DFND   0 0 8,606
HOME DEPOT INC COM 437076102 55 219 SH   DFND   0 0 219
HOME DEPOT INC COM 437076102 877 3,500 SH   SOLE   0 0 3,500
INTERCONTINENTAL EXCHANGE INC COM 45866F104 297 3,243 SH   DFND   0 0 3,243
INTERNATIONAL BUSINESS MACHS COM 459200101 53 437 SH   DFND   0 0 437
INTERNATIONAL BUSINESS MACHS COM 459200101 15,762 130,509 SH   SOLE   0 0 130,509
INVESCO QQQ TR UNIT SER 1 46090E103 26 106 SH   DFND   0 0 106
INVESCO QQQ TR UNIT SER 1 46090E103 2,030 8,200 SH   SOLE   0 0 8,200
ISHARES INC CORE MSCI EMKT 46434G103 926 19,462 SH   DFND   0 0 19,462
ISHARES TR EAFE GRWTH ETF 464288885 212 2,555 SH   DFND   0 0 2,555
ISHARES TR EAFE VALUE ETF 464288877 204 5,110 SH   DFND   0 0 5,110
ISHARES TR ULTR SH TRM BD 46434V878 3,696 73,104 SH   DFND   0 0 73,104
ISHARES TR CORE MSCI EAFE 46432F842 6,950 121,580 SH   DFND   69,375 0 52,205
ISHARES TR RUS 1000 VAL ETF 464287598 4,392 38,999 SH   DFND   0 0 38,999
ISHARES TR RUS 1000 GRW ETF 464287614 5,207 27,128 SH   DFND   0 0 27,128
ISHARES TR RUS 2000 VAL ETF 464287630 923 9,472 SH   DFND   0 0 9,472
ISHARES TR RUS 2000 GRW ETF 464287648 448 2,165 SH   DFND   0 0 2,165
ISHARES TR MSCI MIN VOL ETF 46429B697 3,870 63,831 SH   DFND   0 0 63,831
J P MORGAN EXCHANGE-TRADED F EQUITY PREMIUM 46641Q332 253 4,975 SH   DFND   0 0 4,975
JOHNSON & JOHNSON COM 478160104 673 4,785 SH   DFND   0 0 4,785
JOHNSON & JOHNSON COM 478160104 16,180 115,053 SH   SOLE   0 0 115,053
JPMORGAN CHASE & CO COM 46625H100 10,498 111,606 SH   SOLE   0 0 111,606
KIMBERLY CLARK CORP COM 494368103 883 6,245 SH   DFND   0 0 6,245
LILLY ELI & CO COM 532457108 1 6 SH   DFND   0 0 6
LILLY ELI & CO COM 532457108 328 2,000 SH   SOLE   0 0 2,000
LOCKHEED MARTIN CORP COM 539830109 216 591 SH   DFND   0 0 591
MASTERCARD INC CL A 57636Q104 346 1,169 SH   DFND   0 0 1,169
MCDONALDS CORP COM 580135101 595 3,228 SH   DFND   0 0 3,228
MCDONALDS CORP COM 580135101 2,120 11,495 SH   SOLE   0 0 11,495
MEDTRONIC PLC COM G5960L103 104 1,135 SH   DFND   0 0 1,135
MEDTRONIC PLC COM G5960L103 1,804 19,674 SH   SOLE   0 0 19,674
MERCK & CO. INC COM 58933Y105 287 3,706 SH   DFND   0 0 3,706
MERCK & CO. INC COM 58933Y105 1,554 20,094 SH   SOLE   0 0 20,094
MICROSOFT CORP COM 594918104 1,241 6,099 SH   DFND   0 0 6,099
MICROSOFT CORP COM 594918104 5,978 29,373 SH   SOLE   0 0 29,373
NIKE INC CL B 654106103 460 4,688 SH   DFND   0 0 4,688
NORTHERN TR CORP COM 665859104 361 4,550 SH   DFND   0 0 4,550
NOVARTIS AG SPONSORED ADR 66987V109 849 9,720 SH   SOLE   0 0 9,720
ORACLE CORP COM 68389X105 381 6,896 SH   DFND   0 0 6,896
OTIS WORLDWIDE CORP COM 68902V107 24 421 SH   DFND   0 0 421
OTIS WORLDWIDE CORP COM 68902V107 403 7,080 SH   SOLE   0 0 7,080
PARKER HANNIFIN CORP COM 701094104 206 1,122 SH   DFND   0 0 1,122
PAYCHEX INC COM 704326107 484 6,385 SH   DFND   0 0 6,385
PAYPAL HLDGS INC COM 70450Y103 615 3,527 SH   DFND   0 0 3,527
PEPSICO INC COM 713448108 391 2,957 SH   DFND   0 0 2,957
PEPSICO INC COM 713448108 331 2,500 SH   SOLE   0 0 2,500
PROCTER & GAMBLE CO COM 742718109 698 5,838 SH   DFND   0 0 5,838
PROCTER & GAMBLE CO COM 742718109 3,410 28,523 SH   SOLE   0 0 28,523
RAYTHEON TECHNOLOGIES CORP COM 75513E101 173 2,802 SH   DFND   0 0 2,802
RAYTHEON TECHNOLOGIES CORP COM 75513E101 873 14,165 SH   SOLE   0 0 14,165
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 115 3,509 SH   DFND   0 0 3,509
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 960 29,354 SH   SOLE   0 0 29,354
SCHLUMBERGER LTD COM 806857108 54 2,926 SH   DFND   0 0 2,926
SCHLUMBERGER LTD COM 806857108 6,093 331,295 SH   SOLE   0 0 331,295
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 5 200 SH   DFND   0 0 200
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 231 10,000 SH   SOLE   0 0 10,000
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 245 2,345 SH   DFND   0 0 2,345
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 516 2,000 SH   SOLE   0 0 2,000
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,409 7,813 SH   DFND   0 0 7,813
SPDR S&P 500 ETF TR TR UNIT 78462F103 3,269 10,601 SH   SOLE   0 0 10,601
SPDR SER TR S&P DIVID ETF 78464A763 1,645 18,032 SH   DFND   0 0 18,032
STRYKER CORP COM 863667101 129 715 SH   DFND   0 0 715
STRYKER CORP COM 863667101 90 500 SH   SOLE   0 0 500
TARGET CORP COM 87612E106 101 840 SH   DFND   0 0 840
TARGET CORP COM 87612E106 120 1,000 SH   SOLE   0 0 1,000
TEGNA INC COM 87901J105 5,570 500,000 SH   SOLE   0 0 500,000
TELEFLEX INC COM 879369106 3,640 10,000 SH   DFND   0 0 10,000
TRAVELERS COMPANIES INC COM 89417E109 463 4,056 SH   DFND   0 0 4,056
UNILEVER PLC SPON ADR NEW 904767704 53 961 SH   DFND   0 0 961
UNILEVER PLC SPON ADR NEW 904767704 1,553 28,289 SH   SOLE   0 0 28,289
UNION PAC CORP COM 907818108 366 2,167 SH   DFND   0 0 2,167
UNION PAC CORP COM 907818108 2,902 17,167 SH   SOLE   0 0 17,167
UNITED STATES STL CORP NEW COM 912909108 2,166 300,000 SH   SOLE   0 0 300,000
UNITEDHEALTH GROUP INC COM 91324P102 424 1,439 SH   DFND   0 0 1,439
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 8,463 95,795 SH   DFND   0 0 95,795
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 332 1,170 SH   DFND   0 0 1,170
VANGUARD INDEX FDS TOTAL STK MKT 922908769 4,231 27,031 SH   DFND   0 0 27,031
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 253 5,035 SH   DFND   0 0 5,035
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 264 2,730 SH   DFND   0 0 2,730
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 227 4,190 SH   DFND   0 0 4,190
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 8,149 69,541 SH   DFND   0 0 69,541
VANGUARD TAX-MANAGED FDS FTSE DEV MKT ETF 921943858 570 14,700 SH   DFND   0 0 14,700
VERIZON COMMUNICATIONS INC COM 92343V104 66 1,201 SH   DFND   0 0 1,201
VERIZON COMMUNICATIONS INC COM 92343V104 165 3,000 SH   SOLE   0 0 3,000
VISA INC COM CL A 92826C839 356 1,844 SH   DFND   0 0 1,844
WASHINGTON TR BANCORP COM 940610108 3,803 116,123 SH   SOLE   0 0 116,123
WESTERN ASSET INVT GRADE DEF COM 95790A101 208 9,615 SH   DFND   0 0 9,615