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
Expires: July 31, 2015
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 271,082 2,312 SH SOLE 0 2,312 0 0
AFLAC, Inc. Com 001055102 11,725 100 SH DFND 0 100 0 0
AT&T Inc. Com Com 00206R102 2,936,978 141,883 SH SOLE 0 141,883 0 0
AT&T Inc. Com Com 00206R102 263,076 12,709 SH DFND 0 12,709 0 0
Abbott Laboratories Com 002824100 2,459,326 27,103 SH SOLE 0 27,068 0 35
Abbott Laboratories Com 002824100 99,088 1,092 SH DFND 0 1,092 0 0
AbbVie Inc Com 00287Y109 3,955,781 15,720 SH SOLE 0 15,720 0 0
AbbVie Inc Com 00287Y109 665,588 2,645 SH DFND 0 2,645 0 0
Adobe Systems Inc. Com 00724F101 207,685 1,013 SH SOLE 0 1,013 0 0
Adobe Systems Inc. Com 00724F101 8,201 40 SH DFND 0 40 0 0
Air Products & Chemicals Com 009158106 414,850 1,415 SH SOLE 0 1,415 0 0
Air Products & Chemicals Com 009158106 14,366 49 SH DFND 0 49 0 0
Alphabet Inc Cl C Com 02079K107 4,475,631 12,667 SH SOLE 0 12,667 0 0
Alphabet Inc Cl C Com 02079K107 259,698 735 SH DFND 0 735 0 0
Alphabet Inc. Cl A Com 02079K305 18,662,576 52,222 SH SOLE 0 52,207 0 15
Alphabet Inc. Cl A Com 02079K305 475,659 1,331 SH DFND 0 1,331 0 0
Altria Group Inc. Com 02209S103 931,249 12,943 SH SOLE 0 12,943 0 0
Altria Group Inc. Com 02209S103 127,352 1,770 SH DFND 0 1,770 0 0
Amazon.Com, Inc. Com 023135106 15,256,382 64,011 SH SOLE 0 63,986 0 25
Amazon.Com, Inc. Com 023135106 508,856 2,135 SH DFND 0 2,135 0 0
American Electric Power Com 025537101 34,887 255 SH SOLE 0 255 0 0
American Electric Power Com 025537101 268,695 1,964 SH DFND 0 1,964 0 0
American Express Co Com 025816109 3,601,010 10,646 SH SOLE 0 10,646 0 0
American Express Co Com 025816109 701,192 2,073 SH DFND 0 2,073 0 0
American Tower Corporation REIT Com 03027X100 291,972 1,785 SH SOLE 0 1,785 0 0
American Tower Corporation REIT Com 03027X100 11,613 71 SH DFND 0 71 0 0
Ameriprise Financial, Inc. Com 03076C106 381,230 831 SH SOLE 0 831 0 0
Ameriprise Financial, Inc. Com 03076C106 2,294 5 SH DFND 0 5 0 0
Amgen Inc. Com 031162100 4,088,335 11,290 SH SOLE 0 11,290 0 0
Amgen Inc. Com 031162100 130,363 360 SH DFND 0 360 0 0
Analog Devices Inc. Com 032654105 816,979 2,057 SH SOLE 0 2,057 0 0
Apple, Inc. Com 037833100 30,088,232 103,982 SH SOLE 0 103,952 0 30
Apple, Inc. Com 037833100 1,085,100 3,750 SH DFND 0 3,750 0 0
Applied Materials Inc. Com 038222105 18,740,160 25,920 SH SOLE 0 25,900 0 20
Applied Materials Inc. Com 038222105 110,619 153 SH DFND 0 153 0 0
Aptera Motors Corp Com 03835W104 39,200 16,000 SH DFND 0 16,000 0 0
Automatic Data Processing Com 053015103 620,565 2,771 SH SOLE 0 2,771 0 0
Automatic Data Processing Com 053015103 213,872 955 SH DFND 0 955 0 0
Bank Of America Corporation Com 060505104 4,883,756 85,710 SH SOLE 0 85,710 0 0
Bank Of America Corporation Com 060505104 140,114 2,459 SH DFND 0 2,459 0 0
Bank New York Mellon Corp. Com Com 064058100 305,127 2,110 SH SOLE 0 2,110 0 0
Berkshire Hathaway, Inc. Cl A Com 084670108 748,850 1 SH SOLE 0 1 0 0
Berkshire Hathaway Inc Cl B Com 084670702 3,372,629 6,740 SH SOLE 0 6,732 0 8
Berkshire Hathaway Inc Cl B Com 084670702 54,042 108 SH DFND 0 108 0 0
Beacon Financial Corporation Com 084680107 231,542 7,604 SH SOLE 0 7,604 0 0
Blackrock Funding, Inc. Com 09290D101 982,714 1,022 SH SOLE 0 1,022 0 0
Blackrock Funding, Inc. Com 09290D101 14,423 15 SH DFND 0 15 0 0
Bristol Myers Squibb Co. Com 110122108 1,183,630 20,542 SH SOLE 0 20,492 0 50
Bristol Myers Squibb Co. Com 110122108 230,768 4,005 SH DFND 0 4,005 0 0
Broadcom Inc Com 11135F101 7,852,289 20,787 SH SOLE 0 20,787 0 0
Broadcom Inc Com 11135F101 98,215 260 SH DFND 0 260 0 0
Cigna Group Com 125523100 2,112,536 7,663 SH SOLE 0 7,663 0 0
Cigna Group Com 125523100 14,060 51 SH DFND 0 51 0 0
CVS Health Corp Com 126650100 344,799 3,333 SH SOLE 0 3,333 0 0
CVS Health Corp Com 126650100 68,277 660 SH DFND 0 660 0 0
Capital One Financial Corp. Com 14040H105 304,742 1,519 SH SOLE 0 1,519 0 0
Capital One Financial Corp. Com 14040H105 4,012 20 SH DFND 0 20 0 0
Caterpillar Inc. Com 149123101 10,995,093 10,325 SH SOLE 0 10,325 0 0
Caterpillar Inc. Com 149123101 209,785 197 SH DFND 0 197 0 0
Chevron Corp com Com 166764100 4,635,478 27,965 SH SOLE 0 27,945 0 20
Chevron Corp com Com 166764100 197,917 1,194 SH DFND 0 1,194 0 0
Cisco Systems, Inc. Com 17275R102 3,501,483 29,810 SH SOLE 0 29,810 0 0
Cisco Systems, Inc. Com 17275R102 264,872 2,255 SH DFND 0 2,255 0 0
Citigroup Inc Com 172967424 316,310 2,260 SH SOLE 0 2,260 0 0
Citigroup Inc Com 172967424 20,994 150 SH DFND 0 150 0 0
Coca Cola Com 191216100 3,171,318 39,022 SH SOLE 0 39,022 0 0
Coca Cola Com 191216100 879,179 10,818 SH DFND 0 10,818 0 0
ComCast Corporation Cl A Com 20030N101 169,984 6,924 SH SOLE 0 6,924 0 0
ComCast Corporation Cl A Com 20030N101 30,197 1,230 SH DFND 0 1,230 0 0
ConocoPhillips Com 20825C104 197,212 1,897 SH SOLE 0 1,897 0 0
ConocoPhillips Com 20825C104 232,974 2,241 SH DFND 0 2,241 0 0
Consolidated Edison Inc. Com 209115104 851,298 7,695 SH SOLE 0 7,695 0 0
Consolidated Edison Inc. Com 209115104 456,791 4,129 SH DFND 0 4,129 0 0
Constellation Brands Inc Cl A Com 21036P108 1,196,313 8,601 SH SOLE 0 8,601 0 0
Constellation Brands Inc Cl A Com 21036P108 26,705 192 SH DFND 0 192 0 0
Constellation Energy Corp Com 21037T109 696,429 2,804 SH SOLE 0 2,804 0 0
Constellation Energy Corp Com 21037T109 94,877 382 SH DFND 0 382 0 0
Corning Inc. Com 219350105 210,730 825 SH SOLE 0 825 0 0
Corning Inc. Com 219350105 459,774 1,800 SH DFND 0 1,800 0 0
Corteva Inc Com 22052L104 186,318 2,200 SH SOLE 0 2,200 0 0
Corteva Inc Com 22052L104 26,085 308 SH DFND 0 308 0 0
Costco Wholesale Corporation Com 22160K105 422,832 452 SH SOLE 0 452 0 0
Costco Wholesale Corporation Com 22160K105 4,677 5 SH DFND 0 5 0 0
Cummins, Inc. Com 231021106 722,482 1,013 SH SOLE 0 1,013 0 0
Cummins, Inc. Com 231021106 3,566 5 SH DFND 0 5 0 0
Danaher Corp. Com Com 235851102 344,769 1,810 SH SOLE 0 1,810 0 0
Darden Restaurants Inc. Com 237194105 2,820,277 13,690 SH SOLE 0 13,690 0 0
Darden Restaurants Inc. Com 237194105 34,404 167 SH DFND 0 167 0 0
Deere & Co. Com 244199105 2,040,640 3,217 SH SOLE 0 3,210 0 7
Deere & Co. Com 244199105 133,209 210 SH DFND 0 210 0 0
Dell Technologies Inc Com 24703L202 13,456,806 31,189 SH SOLE 0 31,189 0 0
Dell Technologies Inc Com 24703L202 199,335 462 SH DFND 0 462 0 0
The Walt Disney Company Com 254687106 1,627,203 16,906 SH SOLE 0 16,906 0 0
The Walt Disney Company Com 254687106 23,389 243 SH DFND 0 243 0 0
Dominion Energy Inc. Com 25746U109 585,587 8,575 SH SOLE 0 8,575 0 0
Dominion Energy Inc. Com 25746U109 121,898 1,785 SH DFND 0 1,785 0 0
Donaldson Inc Com 257651109 269,310 3,000 SH SOLE 0 3,000 0 0
Duke Energy Corp Com 26441C204 4,095,876 32,358 SH SOLE 0 32,358 0 0
Duke Energy Corp Com 26441C204 227,085 1,794 SH DFND 0 1,794 0 0
Dupont De Nemours Inc Com 26614N201 290,948 2,145 SH SOLE 0 2,145 0 0
Dupont De Nemours Inc Com 26614N201 14,242 105 SH DFND 0 105 0 0
Ecolab Inc Com Com 278865100 200,321 719 SH DFND 0 719 0 0
Edwards Lifesciences Corp Com 28176E108 206,068 2,278 SH SOLE 0 2,278 0 0
Emerson Electric Co Com 291011104 3,404,107 23,780 SH SOLE 0 23,780 0 0
Emerson Electric Co Com 291011104 30,491 213 SH DFND 0 213 0 0
Entergy Corp. Com 29364G103 1,103,805 9,610 SH SOLE 0 9,610 0 0
Entergy Corp. Com 29364G103 94,185 820 SH DFND 0 820 0 0
Eversource Energy Com 30040W108 149,671 2,071 SH SOLE 0 2,071 0 0
Eversource Energy Com 30040W108 99,949 1,383 SH DFND 0 1,383 0 0
Exelon Corp. Com 30161N101 511,188 10,965 SH SOLE 0 10,935 0 30
Exelon Corp. Com 30161N101 108,158 2,320 SH DFND 0 2,320 0 0
Exxon Mobil Corporation (OLD) Com 30231G102 6,922,270 50,631 SH SOLE 0 50,631 0 0
Exxon Mobil Corporation (OLD) Com 30231G102 398,402 2,914 SH DFND 0 2,914 0 0
Meta Platforms Inc Com 30303M102 5,061,161 8,985 SH SOLE 0 8,977 0 8
Meta Platforms Inc Com 30303M102 92,943 165 SH DFND 0 165 0 0
Fedex Corp. Com 31428X106 321,585 1,027 SH SOLE 0 1,027 0 0
Fedex Corp. Com 31428X106 12,525 40 SH DFND 0 40 0 0
First Trust NASDAQ Cybersecurity-ETF Com 33734X846 228,399 2,542 SH SOLE 0 2,542 0 0
GE Healthcare Technologies Inc Com 36266G107 464,777 7,261 SH SOLE 0 7,261 0 0
GE Healthcare Technologies Inc Com 36266G107 35,334 552 SH DFND 0 552 0 0
GE Vernova Inc Com 36828A101 3,618,569 3,080 SH SOLE 0 3,080 0 0
GE Vernova Inc Com 36828A101 487,567 415 SH DFND 0 415 0 0
GE Aerospace Com 369604301 4,259,027 11,396 SH SOLE 0 11,396 0 0
GE Aerospace Com 369604301 622,260 1,665 SH DFND 0 1,665 0 0
Gilead Sciences, Inc. Com 375558103 792,784 6,275 SH SOLE 0 6,275 0 0
Gilead Sciences, Inc. Com 375558103 37,902 300 SH DFND 0 300 0 0
GSK PLC SPON ADR Com 37733W204 362,746 6,920 SH DFND 0 6,920 0 0
Global X US Preferred ETF Pfd Stk 37954Y657 1,283,984 68,699 SH SOLE 0 68,699 0 0
Global X US Preferred ETF Pfd Stk 37954Y657 29,530 1,580 SH DFND 0 1,580 0 0
Goldman Sachs Group Inc. Com 38141G104 3,835,115 3,792 SH SOLE 0 3,792 0 0
Goldman Sachs Group Inc. Com 38141G104 52,591 52 SH DFND 0 52 0 0
Goldman Sachs Active Beta ETF Com 381430503 158,775 1,119 SH SOLE 0 1,119 0 0
Goldman Sachs Active Beta ETF Com 381430503 195,808 1,380 SH DFND 0 1,380 0 0
Home Depot, Inc. Com 437076102 2,104,442 5,967 SH SOLE 0 5,962 0 5
Home Depot, Inc. Com 437076102 194,327 551 SH DFND 0 551 0 0
Honeywell International Inc.(OLD) Com 438516106 704,613 3,147 SH SOLE 0 3,142 0 5
Honeywell International Inc.(OLD) Com 438516106 170,164 760 SH DFND 0 760 0 0
Independent Bank Corp Mass Com 453836108 287,160 3,430 SH SOLE 0 3,430 0 0
Independent Bank Corp Mass Com 453836108 223,951 2,675 SH DFND 0 2,675 0 0
Intel Corp Com 458140100 802,174 5,745 SH SOLE 0 5,745 0 0
Intel Corp Com 458140100 20,945 150 SH DFND 0 150 0 0
International Business Machines Com 459200101 2,801,133 9,961 SH SOLE 0 9,961 0 0
International Business Machines Com 459200101 657,469 2,338 SH DFND 0 2,338 0 0
Intuit Inc Com 461202103 250,821 961 SH SOLE 0 961 0 0
Invesco II Pfd-ETF Pfd Stk 46138E511 4,786,142 441,526 SH SOLE 0 440,926 0 600
Invesco II Pfd-ETF Pfd Stk 46138E511 168,324 15,528 SH DFND 0 15,528 0 0
Iron Mountain Inc. Com 46284V101 29,051 230 SH SOLE 0 230 0 0
Iron Mountain Inc. Com 46284V101 1,272,952 10,078 SH DFND 0 10,078 0 0
IShares MSCI Emerging Mkts Min Vol Factor ETF Com 464286533 2,480,852 32,955 SH SOLE 0 32,955 0 0
IShares MSCI Emerging Mkts Min Vol Factor ETF Com 464286533 11,367 151 SH DFND 0 151 0 0
iShares Dow Jones Select Dividend Index - ETF Com 464287168 171,930 1,100 SH SOLE 0 1,100 0 0
iShares Dow Jones Select Dividend Index - ETF Com 464287168 70,335 450 SH DFND 0 450 0 0
iShares S&P 500 Index - ETF Com 464287200 990,033 1,322 SH SOLE 0 1,322 0 0
Ishares Core U.S. Aggregate-ETF Com 464287226 6,924,839 69,962 SH SOLE 0 69,962 0 0
Ishares Core U.S. Aggregate-ETF Com 464287226 159,259 1,609 SH DFND 0 1,609 0 0
iShares Barclays 7-10 Treasury Bond Fund ETF Com 464287440 235,479 2,490 SH SOLE 0 2,490 0 0
iShares MSCI EAFE Index - ETF Com 464287465 835,091 8,039 SH SOLE 0 8,039 0 0
iShares MSCI EAFE Index - ETF Com 464287465 60,250 580 SH DFND 0 580 0 0
IShares Tr Russell 1000 Growth Index Fund ETF Com 464287614 347,676 2,800 SH SOLE 0 2,800 0 0
iShares S&P SmallCap 600 Index - ETF Com 464287804 1,912,309 12,894 SH SOLE 0 12,894 0 0
IShares Tr Short-Term Corp Bd-ETF Com 464288646 211,841 4,042 SH SOLE 0 4,042 0 0
IShares Tr Short-Term Corp Bd-ETF Com 464288646 56,865 1,085 SH DFND 0 1,085 0 0
IShares Core MSCI EAFE - ETF Com 46432F842 4,433,891 45,909 SH SOLE 0 45,909 0 0
IShares Core MSCI EAFE - ETF Com 46432F842 86,922 900 SH DFND 0 900 0 0
Ishares MSCI International Quality-ETF Com 46434V456 6,206,831 125,264 SH SOLE 0 125,264 0 0
Ishares MSCI International Quality-ETF Com 46434V456 57,478 1,160 SH DFND 0 1,160 0 0
JPMorgan Chase & Company Com 46625H100 12,886,655 39,369 SH SOLE 0 39,344 0 25
JPMorgan Chase & Company Com 46625H100 1,142,382 3,490 SH DFND 0 3,490 0 0
Johnson & Johnson Com 478160104 7,366,908 29,007 SH SOLE 0 29,007 0 0
Johnson & Johnson Com 478160104 448,257 1,765 SH DFND 0 1,765 0 0
Kimberly-Clark Corp Com 494368103 237,103 2,160 SH SOLE 0 2,160 0 0
Kimberly-Clark Corp Com 494368103 121,296 1,105 SH DFND 0 1,105 0 0
Lilly, Eli & Co Com 532457108 10,050,024 8,379 SH SOLE 0 8,379 0 0
Lilly, Eli & Co Com 532457108 985,931 822 SH DFND 0 822 0 0
Lockheed Martin Corporation Com 539830109 701,526 1,377 SH SOLE 0 1,377 0 0
Lockheed Martin Corporation Com 539830109 173,216 340 SH DFND 0 340 0 0
Lowe's Companies, Inc. Com 548661107 3,489,034 15,824 SH SOLE 0 15,814 0 10
Lowe's Companies, Inc. Com 548661107 141,114 640 SH DFND 0 640 0 0
Mastercard, Inc. Com 57636Q104 1,540,800 3,000 SH DFND 0 3,000 0 0
McDonald's Corp. Com 580135101 4,384,158 16,219 SH SOLE 0 16,219 0 0
McDonald's Corp. Com 580135101 268,418 993 SH DFND 0 993 0 0
Merck & Co. Inc. Com 58933Y105 7,665,411 59,653 SH SOLE 0 59,653 0 0
Merck & Co. Inc. Com 58933Y105 470,824 3,664 SH DFND 0 3,664 0 0
MetLife Inc. Com Com 59156R108 852,530 10,076 SH SOLE 0 10,076 0 0
MetLife Inc. Com Com 59156R108 9,053 107 SH DFND 0 107 0 0
Microsoft Corp Com 594918104 20,065,865 53,793 SH SOLE 0 53,773 0 20
Microsoft Corp Com 594918104 800,501 2,146 SH DFND 0 2,146 0 0
Microchip Technology Inc. Com 595017104 839,405 9,204 SH SOLE 0 9,204 0 0
Microchip Technology Inc. Com 595017104 156,864 1,720 SH DFND 0 1,720 0 0
National Grid Plc-SP ADR Com 636274409 529,291 6,387 SH SOLE 0 6,387 0 0
National Grid Plc-SP ADR Com 636274409 83,699 1,010 SH DFND 0 1,010 0 0
Netflix Inc Com 64110L106 1,501,471 21,029 SH SOLE 0 21,029 0 0
Netflix Inc Com 64110L106 11,281 158 SH DFND 0 158 0 0
NextEra Energy Inc. Com 65339F101 4,384,112 49,950 SH SOLE 0 49,930 0 20
NextEra Energy Inc. Com 65339F101 85,312 972 SH DFND 0 972 0 0
Nike Inc. Class B Com 654106103 1,198,496 29,196 SH SOLE 0 29,176 0 20
Nike Inc. Class B Com 654106103 28,037 683 SH DFND 0 683 0 0
Novartis AG Sponsored ADR Com 66987V109 269,558 1,720 SH SOLE 0 1,720 0 0
Novartis AG Sponsored ADR Com 66987V109 6,582 42 SH DFND 0 42 0 0
Nucor Corporation Com 670346105 612,563 2,750 SH SOLE 0 2,750 0 0
Nucor Corporation Com 670346105 34,526 155 SH DFND 0 155 0 0
Nvidia Corporation Com 67066G104 25,517,478 127,530 SH SOLE 0 127,475 0 55
Nvidia Corporation Com 67066G104 396,778 1,983 SH DFND 0 1,983 0 0
Oracle Corp. Com 68389X105 638,958 4,360 SH SOLE 0 4,360 0 0
Oracle Corp. Com 68389X105 43,965 300 SH DFND 0 300 0 0
PPL Corporation Com 69351T106 282,258 7,765 SH SOLE 0 7,765 0 0
PPL Corporation Com 69351T106 47,255 1,300 SH DFND 0 1,300 0 0
Palantir Technologies Inc - A Com 69608A108 1,243,236 10,656 SH SOLE 0 10,656 0 0
Palantir Technologies Inc - A Com 69608A108 21,467 184 SH DFND 0 184 0 0
Palo Alto Networks Inc. Com 697435105 7,685,909 22,538 SH SOLE 0 22,538 0 0
Palo Alto Networks Inc. Com 697435105 64,794 190 SH DFND 0 190 0 0
Pepsico Inc Com 713448108 2,389,539 17,648 SH SOLE 0 17,633 0 15
Pepsico Inc Com 713448108 199,173 1,471 SH DFND 0 1,471 0 0
Pfizer, Inc Com 717081103 1,070,404 44,452 SH SOLE 0 44,452 0 0
Pfizer, Inc Com 717081103 114,886 4,771 SH DFND 0 4,771 0 0
Philip Morris Intl Inc. Com 718172109 981,979 5,428 SH SOLE 0 5,428 0 0
Philip Morris Intl Inc. Com 718172109 54,273 300 SH DFND 0 300 0 0
Phillips 66 Com 718546104 174,460 1,032 SH SOLE 0 1,032 0 0
Phillips 66 Com 718546104 329,986 1,952 SH DFND 0 1,952 0 0
T Rowe Price Group Inc Com 74144T108 245,457 2,159 SH SOLE 0 2,159 0 0
T Rowe Price Group Inc Com 74144T108 6,821 60 SH DFND 0 60 0 0
Principal Financial Group Inc. Com 74251V102 702,510 6,518 SH SOLE 0 6,518 0 0
Principal Financial Group Inc. Com 74251V102 22,526 209 SH DFND 0 209 0 0
Procter & Gamble Co Com 742718109 4,506,980 30,735 SH SOLE 0 30,735 0 0
Procter & Gamble Co Com 742718109 206,469 1,408 SH DFND 0 1,408 0 0
Prudential Financial Inc. Com 744320102 377,755 3,500 SH SOLE 0 3,475 0 25
Prudential Financial Inc. Com 744320102 38,855 360 SH DFND 0 360 0 0
Public Storage Com 74460D109 741,662 2,330 SH SOLE 0 2,330 0 0
Qualcomm Inc Com 747525103 4,372,131 23,660 SH SOLE 0 23,660 0 0
Qualcomm Inc Com 747525103 189,225 1,024 SH DFND 0 1,024 0 0
RTX Corporation Com 75513E101 6,421,602 33,846 SH SOLE 0 33,831 0 15
RTX Corporation Com 75513E101 75,323 397 SH DFND 0 397 0 0
Regeneron Pharmaceuticals Com 75886F107 287,452 461 SH SOLE 0 461 0 0
Regeneron Pharmaceuticals Com 75886F107 18,706 30 SH DFND 0 30 0 0
SPDR Gold Trust - ETF Com 78463V107 202,609 550 SH SOLE 0 515 0 35
SPDR Gold Trust - ETF Com 78463V107 667,136 1,811 SH DFND 0 1,811 0 0
State Street SPDR Portfolio S&P500 Growth ETF Com 78464A409 126,843 1,066 SH SOLE 0 1,066 0 0
State Street SPDR Portfolio S&P500 Growth ETF Com 78464A409 219,537 1,845 SH DFND 0 1,845 0 0
Salesforce Inc Com 79466L302 4,167,469 26,602 SH SOLE 0 26,592 0 10
Salesforce Inc Com 79466L302 46,998 300 SH DFND 0 300 0 0
State Street Materials Select Sector SPDR ETF Com 81369Y100 269,399 5,300 SH SOLE 0 5,300 0 0
State Street Materials Select Sector SPDR ETF Com 81369Y100 16,469 324 SH DFND 0 324 0 0
State St Health Care Select Sector SPDR ETF Com 81369Y209 1,394,145 8,787 SH SOLE 0 8,787 0 0
State St Health Care Select Sector SPDR ETF Com 81369Y209 71,397 450 SH DFND 0 450 0 0
State St Cons Staples Select Sector SPDR ETF Com 81369Y308 636,981 7,668 SH SOLE 0 7,668 0 0
State St Cons Staples Select Sector SPDR ETF Com 81369Y308 31,317 377 SH DFND 0 377 0 0
State St Cons Discret Select Sector SPDR ETF Com 81369Y407 1,407,477 12,001 SH SOLE 0 12,001 0 0
State St Cons Discret Select Sector SPDR ETF Com 81369Y407 70,603 602 SH DFND 0 602 0 0
State Street Energy Select Sector SPDR ETF Com 81369Y506 411,071 7,740 SH SOLE 0 7,740 0 0
State Street Energy Select Sector SPDR ETF Com 81369Y506 20,872 393 SH DFND 0 393 0 0
State Street Financial Select Sector SPDR ETF Com 81369Y605 1,850,939 34,526 SH SOLE 0 34,526 0 0
State Street Financial Select Sector SPDR ETF Com 81369Y605 81,970 1,529 SH DFND 0 1,529 0 0
State St Industrial Select Sector SPDR ETF Com 81369Y704 1,357,365 7,328 SH SOLE 0 7,328 0 0
State St Industrial Select Sector SPDR ETF Com 81369Y704 70,573 381 SH DFND 0 381 0 0
State Street Tech Select Sector SPDR ETF Com 81369Y803 6,291,542 33,023 SH SOLE 0 33,023 0 0
State Street Tech Select Sector SPDR ETF Com 81369Y803 330,552 1,735 SH DFND 0 1,735 0 0
State St Comm Svc Select Sector SPDR ETF Com 81369Y852 1,504,212 14,041 SH SOLE 0 14,041 0 0
State St Comm Svc Select Sector SPDR ETF Com 81369Y852 39,852 372 SH DFND 0 372 0 0
State St Real Estate Select Sector SPDR ETF Com 81369Y860 302,046 6,860 SH SOLE 0 6,860 0 0
State St Real Estate Select Sector SPDR ETF Com 81369Y860 2,774 63 SH DFND 0 63 0 0
State Street Utilities Select Sector SPDR ETF Com 81369Y886 392,146 8,649 SH SOLE 0 8,649 0 0
State Street Utilities Select Sector SPDR ETF Com 81369Y886 25,526 563 SH DFND 0 563 0 0
Service Corp. Intl. Com 817565104 217,246 2,860 SH DFND 0 2,860 0 0
Southern Co Com 842587107 867,803 9,067 SH SOLE 0 9,067 0 0
Southern Co Com 842587107 59,340 620 SH DFND 0 620 0 0
Southern Copper Corporation Com 84265V105 1,083,549 6,218 SH SOLE 0 6,218 0 0
Starbucks Corporation Com 855244109 489,899 4,794 SH SOLE 0 4,794 0 0
State Street Corp. Com 857477103 550,352 3,245 SH SOLE 0 3,245 0 0
State Street Corp. Com 857477103 16,960 100 SH DFND 0 100 0 0
Stryker Corp Com 863667101 3,298,264 10,476 SH SOLE 0 10,466 0 10
Stryker Corp Com 863667101 22,354 71 SH DFND 0 71 0 0
Sysco Corp Com 871829107 253,916 3,038 SH SOLE 0 3,038 0 0
Sysco Corp Com 871829107 54,996 658 SH DFND 0 658 0 0
TJX Companies Inc. Com 872540109 3,992,025 26,350 SH SOLE 0 26,350 0 0
TJX Companies Inc. Com 872540109 96,657 638 SH DFND 0 638 0 0
T-Mobile US Inc Com 872590104 2,644,599 15,767 SH SOLE 0 15,767 0 0
T-Mobile US Inc Com 872590104 26,501 158 SH DFND 0 158 0 0
Target Corp. Com 87612E106 602,112 4,610 SH SOLE 0 4,610 0 0
Target Corp. Com 87612E106 135,965 1,041 SH DFND 0 1,041 0 0
3M Company Com 88579Y101 270,390 1,670 SH SOLE 0 1,670 0 0
3M Company Com 88579Y101 114,956 710 SH DFND 0 710 0 0
Toronto Dominion Bank Com 891160509 1,782,228 14,677 SH SOLE 0 14,677 0 0
Toronto Dominion Bank Com 891160509 222,824 1,835 SH DFND 0 1,835 0 0
The Travelers Companies Inc. Com 89417E109 1,464,082 4,435 SH SOLE 0 4,435 0 0
The Travelers Companies Inc. Com 89417E109 175,624 532 SH DFND 0 532 0 0
Truist Financial Corp Com 89832Q109 457,447 9,182 SH SOLE 0 9,182 0 0
Truist Financial Corp Com 89832Q109 343,011 6,885 SH DFND 0 6,885 0 0
US Bancorp Del Com Com 902973304 129,860 2,150 SH SOLE 0 2,150 0 0
US Bancorp Del Com Com 902973304 181,562 3,006 SH DFND 0 3,006 0 0
Union Pacific Corp Com 907818108 3,785,152 13,916 SH SOLE 0 13,916 0 0
Union Pacific Corp Com 907818108 65,280 240 SH DFND 0 240 0 0
United Parcel Service Com 911312106 834,200 7,760 SH SOLE 0 7,760 0 0
United Parcel Service Com 911312106 81,378 757 SH DFND 0 757 0 0
UnitedHealth Group Inc. Com 91324P102 1,364,098 3,282 SH SOLE 0 3,277 0 5
UnitedHealth Group Inc. Com 91324P102 14,963 36 SH DFND 0 36 0 0
MFC Vaneck ETF TR Com 92189F429 499,984 28,026 SH SOLE 0 28,026 0 0
Vanguard Russell 2000 ETF Com 92206C664 451,318 3,717 SH SOLE 0 3,717 0 0
Vanguard Russell 2000 ETF Com 92206C664 4,493 37 SH DFND 0 37 0 0
Vanguard Real Estate-ETF Com 922908553 1,268,055 13,150 SH SOLE 0 13,150 0 0
Vanguard Real Estate-ETF Com 922908553 69,430 720 SH DFND 0 720 0 0
Vanguard Index Mid-Cap ETF Com 922908629 2,471,565 30,676 SH SOLE 0 30,676 0 0
Vanguard Index Mid-Cap ETF Com 922908629 6,365 79 SH DFND 0 79 0 0
Verizon Communications Inc. Com 92343V104 2,195,202 51,847 SH SOLE 0 51,847 0 0
Verizon Communications Inc. Com 92343V104 277,835 6,562 SH DFND 0 6,562 0 0
Vertiv Holdings CO-A Com 92537N108 272,878 815 SH SOLE 0 815 0 0
Visa, Inc. Com 92826C839 6,664,866 19,426 SH SOLE 0 19,421 0 5
Visa, Inc. Com 92826C839 40,485 118 SH DFND 0 118 0 0
Wal-Mart Stores Inc Com 931142103 7,513,895 66,342 SH SOLE 0 66,317 0 25
Wal-Mart Stores Inc Com 931142103 741,173 6,544 SH DFND 0 6,544 0 0
Waste Management Inc Com 94106L109 2,449,228 10,989 SH SOLE 0 10,979 0 10
Waste Management Inc Com 94106L109 27,637 124 SH DFND 0 124 0 0
Williams-Sonoma, Inc. Com 969904101 431,235 1,850 SH SOLE 0 1,850 0 0
Williams-Sonoma, Inc. Com 969904101 8,159 35 SH DFND 0 35 0 0
WisdomTree U.S. Midcap Dividend Fund-ETF Com 97717W505 468,155 8,283 SH SOLE 0 8,283 0 0
WisdomTree U.S. Midcap Dividend Fund-ETF Com 97717W505 20,912 370 SH DFND 0 370 0 0
WisdomTree U.S. Small Cap Dividend Fund ETF Com 97717W604 315,067 7,745 SH SOLE 0 7,745 0 0
WisdomTree U.S. Small Cap Dividend Fund ETF Com 97717W604 9,560 235 SH DFND 0 235 0 0
Wisdomtree International Equity Fund ETF Com 97717W703 1,690,591 23,091 SH SOLE 0 23,091 0 0
Wisdomtree International Equity Fund ETF Com 97717W703 108,357 1,480 SH DFND 0 1,480 0 0
Eaton Corp PLC Com G29183103 4,116,319 9,660 SH SOLE 0 9,655 0 5
Eaton Corp PLC Com G29183103 985,189 2,312 SH DFND 0 2,312 0 0
Linde Plc Com G54950103 3,789,819 7,303 SH SOLE 0 7,298 0 5
Linde Plc Com G54950103 104,826 202 SH DFND 0 202 0 0
Medtronic Hldg Ltd Com G5960L103 288,512 3,688 SH SOLE 0 3,688 0 0
Medtronic Hldg Ltd Com G5960L103 48,033 614 SH DFND 0 614 0 0
Chubb Ltd Com H1467J104 5,034,093 14,774 SH SOLE 0 14,774 0 0
Chubb Ltd Com H1467J104 116,874 343 SH DFND 0 343 0 0