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
Abbott Laboratories Equities 002824100   116,220 1,200 SH   DFND   1,200 0 0
Abbott Laboratories Equities 002824100   484,928 5,007 SH   SOLE   5,007 0 0
Abbvie Inc Equities 00287Y109   149,060 1,000 SH   DFND   1,000 0 0
Abbvie Inc Equities 00287Y109   765,572 5,136 SH   SOLE   5,136 0 0
Accenture Plc Class A Equities G1151C101   11,670 38 SH   DFND   38 0 0
Accenture Plc Class A Equities G1151C101   6,052,524 19,708 SH   SOLE   19,554 74 80
Allstate Corp Equities 020002101   5,459 49 SH   DFND   49 0 0
Allstate Corp Equities 020002101   3,362,354 30,180 SH   SOLE   30,130 50 0
Alphabet Inc Class A Equities 02079K305   642,915 4,913 SH   SOLE   4,913 0 0
Alphabet Inc Class C Equities 02079K107   690,235 5,235 SH   SOLE   5,235 0 0
Amazon.com Inc Equities 023135106   945,646 7,439 SH   SOLE   7,439 0 0
Amgen Inc Equities 031162100   24,457 91 SH   DFND   91 0 0
Amgen Inc Equities 031162100   722,964 2,690 SH   SOLE   2,690 0 0
Apple Inc. Equities 037833100   117,450 686 SH   DFND   686 0 0
Apple Inc. Equities 037833100   16,255,533 94,945 SH   SOLE   94,518 292 135
AT&T Inc Equities 00206R102   39,608 2,637 SH   DFND   2,637 0 0
AT&T Inc Equities 00206R102   2,134,763 142,128 SH   SOLE   141,553 500 75
Automatic Data Processing Equities 053015103   295,673 1,229 SH   SOLE   1,229 0 0
Bank of New York Mellon Corp Equities 064058100   4,265 100 SH   DFND   100 0 0
Bank of New York Mellon Corp Equities 064058100   429,869 10,079 SH   SOLE   10,079 0 0
Berkshire Hathaway Inc Class B Equities 084670702   17,865 51 SH   DFND   51 0 0
Berkshire Hathaway Inc Class B Equities 084670702   1,175,607 3,356 SH   SOLE   3,356 0 0
Blackrock Inc Equities 09247X101   6,465 10 SH   DFND   10 0 0
Blackrock Inc Equities 09247X101   4,744,590 7,339 SH   SOLE   7,309 0 30
Bristol-Myers Squibb Co Equities 110122108   98,668 1,700 SH   DFND   1,700 0 0
Bristol-Myers Squibb Co Equities 110122108   579,704 9,988 SH   SOLE   9,988 0 0
Broadcom Ltd Equities 11135F101   4,172,003 5,023 SH   SOLE   4,998 25 0
Carrier Global Corp Equities 14448C104   4,968 90 SH   DFND   90 0 0
Carrier Global Corp Equities 14448C104   373,373 6,764 SH   SOLE   6,764 0 0
Caterpillar Inc Equities 149123101   4,095 15 SH   DFND   15 0 0
Caterpillar Inc Equities 149123101   869,778 3,186 SH   SOLE   3,186 0 0
Cencora Inc Equities 03073E105   245,839 1,366 SH   SOLE   1,366 0 0
Chevron Corp Equities 166764100   37,771 224 SH   DFND   224 0 0
Chevron Corp Equities 166764100   7,607,797 45,118 SH   SOLE   43,813 110 1,195
Chubb LTD Corp Equities H1467J104   9,368 45 SH   DFND   45 0 0
Chubb LTD Corp Equities H1467J104   362,650 1,742 SH   SOLE   1,742 0 0
Cisco Systems Inc Equities 17275R102   26,557 494 SH   DFND   494 0 0
Cisco Systems Inc Equities 17275R102   3,371,505 62,714 SH   SOLE   62,474 200 40
Clorox Company Equities 189054109   643,898 4,913 SH   SOLE   4,773 0 140
Coca-Cola Company Equities 191216100   123,156 2,200 SH   DFND   2,200 0 0
Coca-Cola Company Equities 191216100   4,828,051 86,246 SH   SOLE   85,978 238 30
Colgate-Palmolive Co Equities 194162103   490,872 6,903 SH   SOLE   6,903 0 0
Comcast Corp Class A Equities 20030N101   15,297 345 SH   DFND   345 0 0
Comcast Corp Class A Equities 20030N101   4,749,612 107,118 SH   SOLE   106,668 450 0
Communication Services SPDR Equities 81369Y852   694,845 10,597 SH   SOLE   10,597 0 0
Costco Wholesale Corp Equities 22160K105   227,679 403 SH   SOLE   403 0 0
CSX Corp Equities 126408103   321,153 10,444 SH   SOLE   10,444 0 0
CVS Health Corp Equities 126650100   18,014 258 SH   DFND   258 0 0
CVS Health Corp Equities 126650100   5,782,283 82,817 SH   SOLE   81,961 350 506
Darden Restaurants Inc Equities 237194105   454,437 3,173 SH   SOLE   3,173 0 0
Deere & Co Equities 244199105   579,278 1,535 SH   SOLE   1,535 0 0
Dimensional US Marketwide Value Equities 25434V724   1,656,060 48,679 SH   SOLE   48,679 0 0
Duke Energy Corp Equities 26441C204   2,913 33 SH   DFND   33 0 0
Duke Energy Corp Equities 26441C204   2,788,222 31,591 SH   SOLE   31,224 77 290
Ecolab Inc Equities 278865100   11,689 69 SH   DFND   69 0 0
Ecolab Inc Equities 278865100   2,340,600 13,817 SH   SOLE   13,767 50 0
Eli Lilly & Co. Equities 532457108   1,652,749 3,077 SH   SOLE   3,077 0 0
Emerson Electric Co Equities 291011104   578,841 5,994 SH   SOLE   5,994 0 0
Enbridge Inc Equities 29250N105   276,539 8,332 SH   SOLE   8,332 0 0
Estee Lauder Companies Inc Clas Equities 518439104   209,164 1,447 SH   SOLE   1,447 0 0
Exxon Mobil Corp Equities 30231G102   4,470,392 38,020 SH   SOLE   36,620 0 1,400
Flexshares Glb. Upstream Ntrl. Equities 33939L407   9,139 226 SH   DFND   226 0 0
Flexshares Glb. Upstream Ntrl. Equities 33939L407   11,956,450 295,659 SH   SOLE   294,465 947 247
Flexshares Yr. TIPS ETF Equities 33939L605   6,354 277 SH   DFND   277 0 0
Flexshares Yr. TIPS ETF Equities 33939L605   6,668,016 290,672 SH   SOLE   289,864 591 217
General Dynamics Corp Equities 369550108   11,932 54 SH   DFND   54 0 0
General Dynamics Corp Equities 369550108   2,064,081 9,341 SH   SOLE   9,201 40 100
General Mills Inc Equities 370334104   430,269 6,724 SH   SOLE   6,724 0 0
Genuine Parts Co Equities 372460105   265,948 1,842 SH   SOLE   1,842 0 0
Hershey Co Foods Equities 427866108   225,090 1,125 SH   SOLE   1,125 0 0
Home Depot Inc Equities 437076102   85,511 283 SH   DFND   283 0 0
Home Depot Inc Equities 437076102   7,078,702 23,427 SH   SOLE   23,164 68 195
Honeywell International Inc Equities 438516106   47,663 258 SH   DFND   258 0 0
Honeywell International Inc Equities 438516106   4,700,894 25,446 SH   SOLE   25,277 84 85
Intel Corporation Equities 458140100   24,885 700 SH   DFND   700 0 0
Intel Corporation Equities 458140100   1,762,782 49,586 SH   SOLE   49,436 100 50
International Business Machines Equities 459200101   9,260 66 SH   DFND   66 0 0
International Business Machines Equities 459200101   3,099,227 22,090 SH   SOLE   22,010 80 0
Invesco Bulletshares 2023 Munic Equities 46138J544   9,966 398 SH   DFND   398 0 0
Invesco Bulletshares 2023 Munic Equities 46138J544   863,730 34,494 SH   SOLE   34,494 0 0
Invesco Bulletshares 2024 Munic Equities 46138J536   9,981 405 SH   DFND   405 0 0
Invesco Bulletshares 2024 Munic Equities 46138J536   1,423,995 57,781 SH   SOLE   57,781 0 0
Invesco Bulletshares 2025 Munic Equities 46138J528   9,554 398 SH   DFND   398 0 0
Invesco Bulletshares 2025 Munic Equities 46138J528   1,160,714 48,353 SH   SOLE   48,353 0 0
Invesco Bulletshares 2026 Munic Equities 46138J510   9,334 406 SH   DFND   406 0 0
Invesco Bulletshares 2026 Munic Equities 46138J510   1,605,369 69,829 SH   SOLE   69,829 0 0
Invesco Bulletshares 2027 Munic Equities 46138J494   4,897 214 SH   DFND   214 0 0
Invesco Bulletshares 2027 Munic Equities 46138J494   971,233 42,439 SH   SOLE   42,439 0 0
Invesco Bulletshares 2028 Munic Equities 46138J486   4,889 217 SH   DFND   217 0 0
Invesco Bulletshares 2028 Munic Equities 46138J486   1,143,232 50,744 SH   SOLE   50,744 0 0
Invesco Bulletshares 2029 Munic Equities 46138J478   4,867 220 SH   DFND   220 0 0
Invesco Bulletshares 2029 Munic Equities 46138J478   988,061 44,667 SH   SOLE   44,667 0 0
Invesco BulletShares 2030 Munic Equities 46138J445   8,941 428 SH   DFND   428 0 0
Invesco BulletShares 2030 Munic Equities 46138J445   1,299,274 62,196 SH   SOLE   62,196 0 0
Invesco Bulletshares 2031 Munic Equities 46138J411   539,405 26,958 SH   SOLE   26,958 0 0
Invesco QQQ Trust Series I Equities 46090E103   498,712 1,392 SH   SOLE   1,392 0 0
iShares Core S&P 500 ETF Equities 464287200   877,325 2,043 SH   SOLE   2,043 0 0
iShares Core S&P Mid-Cap ETF Equities 464287507   493,464 1,979 SH   SOLE   1,979 0 0
iShares GNMA Bond ETF Equities 46429B333   1,432,720 34,292 SH   SOLE   34,292 0 0
iShares iBonds 2023 Corporate E Equities 46434VAX8   860,338 33,925 SH   SOLE   33,925 0 0
iShares iBonds 2024 Corporate E Equities 46434VBG4   1,449,673 58,620 SH   SOLE   58,620 0 0
iShares iBonds 2025 Corporate E Equities 46434VBD1   1,015,985 41,690 SH   SOLE   41,690 0 0
iShares iBonds 2026 Corporate E Equities 46435GAA0   1,216,687 52,140 SH   SOLE   52,140 0 0
iShares iBonds 2027 Corporate E Equities 46435UAA9   1,024,269 44,264 SH   SOLE   44,264 0 0
iShares iBonds 2028 Corporate E Equities 46435U515   1,080,725 44,974 SH   SOLE   44,974 0 0
iShares iBonds 2029 Corporate E Equities 46436E205   742,717 33,914 SH   SOLE   33,914 0 0
iShares iBonds 2030 Corporate E Equities 46436E726   821,762 40,322 SH   SOLE   40,322 0 0
iShares iBonds 2031 Corporate E Equities 46436E486   491,778 25,369 SH   SOLE   25,369 0 0
iShares MBS ETF Equities 464288588   1,427,726 16,078 SH   SOLE   16,078 0 0
iShares Russell 1000 ETF Equities 464287622   441,161 1,878 SH   SOLE   1,878 0 0
iShares Russell 1000 Growth ETF Equities 464287614   732,004 2,752 SH   SOLE   2,752 0 0
iShares Russell 1000 Value ETF Equities 464287598   247,467 1,630 SH   SOLE   1,630 0 0
iShares Russell 2000 ETF Equities 464287655   1,075,640 6,086 SH   SOLE   6,086 0 0
iShares Russell Mid-Cap ETF Equities 464287499   1,176,281 16,986 SH   SOLE   16,986 0 0
iShares S&P Mid-Cap 400 Growth Equities 464287606   200,827 2,780 SH   SOLE   2,780 0 0
iShares Select Dividend ETF Equities 464287168   923,013 8,575 SH   SOLE   8,575 0 0
iShares Trust Core US Aggregate Equities 464287226   246,291 2,619 SH   SOLE   2,619 0 0
iShares US Preferred Stock ETF Equities 464288687   364,996 12,106 SH   SOLE   12,106 0 0
Johnson & Johnson Equities 478160104   7,788 50 SH   DFND   50 0 0
Johnson & Johnson Equities 478160104   9,176,946 58,921 SH   SOLE   58,486 140 295
JP Morgan Chase Equities 46625H100   89,332 616 SH   DFND   616 0 0
JP Morgan Chase Equities 46625H100   9,823,655 67,740 SH   SOLE   67,532 48 160
Kimberly-Clark Corp Equities 494368103   644,010 5,329 SH   SOLE   5,329 0 0
Lockheed Martin Corp Equities 539830109   252,737 618 SH   SOLE   618 0 0
Lowe's Companies Inc Equities 548661107   1,697,845 8,169 SH   SOLE   7,969 0 200
Mastercard Inc Class A Equities 57636Q104   4,070,747 10,282 SH   SOLE   9,870 0 412
McDonald's Corp Equities 580135101   19,758 75 SH   DFND   75 0 0
McDonald's Corp Equities 580135101   7,049,391 26,759 SH   SOLE   26,554 70 135
Medtronic Plc Corp Equities G5960L103   3,153,755 40,247 SH   SOLE   39,922 120 205
Merck & Co Inc Equities 58933Y105   8,751 85 SH   DFND   85 0 0
Merck & Co Inc Equities 58933Y105   1,332,894 12,947 SH   SOLE   12,772 0 175
Meta Platforms Inc Equities 30303M102   247,373 824 SH   SOLE   824 0 0
Microsoft Corp Equities 594918104   181,556 575 SH   DFND   575 0 0
Microsoft Corp Equities 594918104   16,602,767 52,582 SH   SOLE   52,169 146 267
Mondelez International Inc A Equities 609207105   15,060 217 SH   DFND   217 0 0
Mondelez International Inc A Equities 609207105   2,037,931 29,365 SH   SOLE   29,228 137 0
Morgan Stanley Corp Equities 617446448   319,575 3,913 SH   SOLE   3,913 0 0
Nextera Energy Inc Equities 65339F101   4,870 85 SH   DFND   85 0 0
Nextera Energy Inc Equities 65339F101   3,160,460 55,166 SH   SOLE   54,791 125 250
Nike Inc Class B Equities 654106103   3,825 40 SH   DFND   40 0 0
Nike Inc Class B Equities 654106103   787,431 8,235 SH   SOLE   8,235 0 0
Norfolk Southern Corp Equities 655844108   15,951 81 SH   DFND   81 0 0
Norfolk Southern Corp Equities 655844108   5,124,119 26,020 SH   SOLE   25,970 50 0
Novartis Ag ADR Equities 66987V109   339,805 3,336 SH   SOLE   3,336 0 0
NVIDIA Corp Equities 67066G104   926,529 2,130 SH   SOLE   2,130 0 0
Opko Health Inc Equities 68375N103   80,480 50,300 SH   SOLE   50,300 0 0
Oracle Corporation Equities 68389X105   563,812 5,323 SH   SOLE   5,323 0 0
Otis Worldwide Corp Equities 68902V107   3,614 45 SH   DFND   45 0 0
Otis Worldwide Corp Equities 68902V107   269,520 3,356 SH   SOLE   3,356 0 0
Pepsico Inc Equities 713448108   2,999,132 17,700 SH   SOLE   17,375 0 325
Pfizer Inc Equities 717081103   22,091 666 SH   DFND   666 0 0
Pfizer Inc Equities 717081103   4,151,259 125,151 SH   SOLE   124,123 203 825
PNC Financial Services Group Equities 693475105   456,950 3,722 SH   SOLE   3,722 0 0
PPG Industries Inc Equities 693506107   551,131 4,246 SH   SOLE   4,246 0 0
Procter & Gamble Co Equities 742718109   270,716 1,856 SH   DFND   1,856 0 0
Procter & Gamble Co Equities 742718109   8,726,950 59,831 SH   SOLE   59,366 100 365
Raytheon Technologies Corp Equities 75513E101   16,337 227 SH   DFND   227 0 0
Raytheon Technologies Corp Equities 75513E101   592,817 8,237 SH   SOLE   8,237 0 0
Realty Income Corp REIT Equities 756109104   24,970 500 SH   DFND   500 0 0
Realty Income Corp REIT Equities 756109104   823,161 16,483 SH   SOLE   16,108 0 375
Shoshone Silver Mining Company Equities 825356108   1 10,000 SH   SOLE   10,000 0 0
Southern Company Equities 842587107   5,825 90 SH   DFND   90 0 0
Southern Company Equities 842587107   1,340,934 20,719 SH   SOLE   20,444 0 275
SPDR Dow Jones Industrial Avera Equities 78467X109   221,402 661 SH   SOLE   661 0 0
SPDR S&P 500 ETF Equities 78462F103   102,595 240 SH   DFND   240 0 0
SPDR S&P 500 ETF Equities 78462F103   2,687,994 6,288 SH   SOLE   6,288 0 0
Starbucks Corp Equities 855244109   49,468 542 SH   DFND   542 0 0
Starbucks Corp Equities 855244109   4,766,302 52,222 SH   SOLE   51,962 200 60
T Rowe Price Group Inc. Equities 74144T108   540,919 5,158 SH   SOLE   4,883 0 275
Target Co Equities 87612E106   14,153 128 SH   DFND   128 0 0
Target Co Equities 87612E106   2,669,160 24,140 SH   SOLE   23,965 100 75
Technology Select Sector SPDR - Equities 81369Y803   201,962 1,232 SH   SOLE   1,232 0 0
TJX Companies Inc Equities 872540109   374,629 4,215 SH   SOLE   4,215 0 0
Truist Financial Corp Equities 89832Q109   1,287 45 SH   DFND   45 0 0
Truist Financial Corp Equities 89832Q109   876,897 30,650 SH   SOLE   30,650 0 0
Unilever Plc ADR Equities 904767704   20,501 415 SH   DFND   415 0 0
Unilever Plc ADR Equities 904767704   292,152 5,914 SH   SOLE   5,549 0 365
Union Pacific Corp Equities 907818108   996,362 4,893 SH   SOLE   4,893 0 0
United Parcel Service Inc Class Equities 911312106   49,878 320 SH   DFND   320 0 0
United Parcel Service Inc Class Equities 911312106   4,402,392 28,244 SH   SOLE   27,844 50 350
UnitedHealth Group Inc Equities 91324P102   677,127 1,343 SH   SOLE   1,343 0 0
Vanguard Developed Markets Inde Equities 921943858   488,046 11,163 SH   SOLE   11,163 0 0
Vanguard Dividend Appreciation Equities 921908844   516,328 3,323 SH   SOLE   3,323 0 0
Vanguard Growth Index ETF Equities 922908736   753,209 2,766 SH   SOLE   2,766 0 0
Vanguard Idx Total Stock Market Equities 922908769   295,250 1,390 SH   SOLE   1,390 0 0
Vanguard Information Technology Equities 92204A702   20,745 50 SH   DFND   50 0 0
Vanguard Information Technology Equities 92204A702   3,533,288 8,516 SH   SOLE   8,251 0 265
Vanguard Large Cap Index ETF Equities 922908637   492,747 2,518 SH   SOLE   2,518 0 0
Vanguard Mid-Cap Index ETF Equities 922908629   861,072 4,135 SH   SOLE   4,135 0 0
Vanguard REIT Index ETF Equities 922908553   565,785 7,478 SH   SOLE   7,478 0 0
Vanguard S&P 500 ETF Equities 922908363   701,362 1,786 SH   SOLE   1,786 0 0
Vanguard Small-Cap Index ETF Equities 922908751   551,328 2,916 SH   SOLE   2,916 0 0
Vanguard Value Index ETF Equities 922908744   434,480 3,150 SH   SOLE   3,150 0 0
Verizon Communications Inc Equities 92343V104   34,517 1,065 SH   DFND   1,065 0 0
Verizon Communications Inc Equities 92343V104   306,955 9,471 SH   SOLE   9,471 0 0
Visa Inc Class A Equities 92826C839   32,201 140 SH   DFND   140 0 0
Visa Inc Class A Equities 92826C839   5,231,807 22,746 SH   SOLE   22,201 0 545
Walgreens Boots Alliance Inc Equities 931427108   33,360 1,500 SH   DFND   1,500 0 0
Walgreens Boots Alliance Inc Equities 931427108   283,338 12,740 SH   SOLE   12,740 0 0
Walmart Stores Inc Equities 931142103   19,192 120 SH   DFND   120 0 0
Walmart Stores Inc Equities 931142103   1,107,035 6,922 SH   SOLE   6,922 0 0
Walt Disney Co Equities 254687106   32,420 400 SH   DFND   400 0 0
Walt Disney Co Equities 254687106   3,878,972 47,859 SH   SOLE   47,369 230 260
Wisdomtree Global Ex-US Quality Equities 97717W802   805,307 22,249 SH   SOLE   22,249 0 0
Wisdomtree US Midcap Dividend F Equities 97717W505   1,490,002 36,377 SH   SOLE   36,377 0 0
Wisdomtree US Smallcap Dividend Equities 97717W604   1,248,978 44,290 SH   SOLE   44,290 0 0