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
ADT CORP Com 00090Q103 6,500 1,000 SH SOLE 0 1,000 0 0
AFLAC INC Com 001055102 81,958 699 SH SOLE 0 699 0 0
AT&T INC Com 00206R102 491,853 23,761 SH SOLE 0 23,761 0 0
AT&T INC Com 00206R102 54,358 2,626 SH DFND 0 2,626 0 0
AT&T INC Pfd Stk 00206R300 163,760 8,000 SH SOLE 0 8,000 0 0
ABBOTT LABORATORIES Com 002824100 196,906 2,170 SH SOLE 0 2,170 0 0
ABBOTT LABORATORIES Com 002824100 47,639 525 SH DFND 0 525 0 0
ABBVIE INC Com 00287Y109 300,207 1,193 SH SOLE 0 1,193 0 0
ABERDEEN TOTAL DYNAMIC DIVIDEN Com 00326L100 20,177 1,957 SH SOLE 0 1,957 0 0
ADVANCED MICRO DEVICS Com 007903107 302,073 520 SH SOLE 0 520 0 0
AEYE INC WT EXP Com 008183113 17 1,000 SH SOLE 0 1,000 0 0
AGILENT TECHNOLOGIES INC Com 00846U101 1,427,923 10,750 SH SOLE 0 10,750 0 0
AIRBNB INC-CLASS A Com 009066101 4,150 29 SH SOLE 0 29 0 0
ALBEMARLE CORP Com 012653101 108,024 800 SH SOLE 0 800 0 0
ALLIANCE RESOURCE PARTNERS Com 01877R108 23,980 1,000 SH SOLE 0 1,000 0 0
ALPHABET INC - CL C Com 02079K107 47,346 134 SH SOLE 0 134 0 0
ALPHABET INC - CL A Com 02079K305 6,212,163 17,383 SH SOLE 0 17,283 0 100
ALPHABET INC - CL A Com 02079K305 82,195 230 SH DFND 0 230 0 0
ALTRIA GROUP INC Com 02209S103 927,364 12,889 SH SOLE 0 12,889 0 0
AMAZON.COM INC Com 023135106 7,815,884 32,793 SH SOLE 0 32,793 0 0
AMAZON.COM INC Com 023135106 47,668 200 SH DFND 0 200 0 0
AMERICAN ELECTRIC POWER CO INC Com 025537101 292,637 2,139 SH SOLE 0 2,139 0 0
AMERICAN EXPRESS CO Com 025816109 125,829 372 SH SOLE 0 372 0 0
AMERICAN INTERNATIONAL GROUP Com 026874784 5,888 79 SH SOLE 0 79 0 0
AMERICAN WATER WORKS INC Com 030420103 18,158 138 SH SOLE 0 138 0 0
AMGEN INC Com 031162100 7,115,658 19,650 SH SOLE 0 19,650 0 0
AMPHENOL CORP CL A Com 032095101 43,727 248 SH SOLE 0 248 0 0
ANALOG DEVICES INC Com 032654105 326,871 823 SH SOLE 0 823 0 0
APOLLO GLOBAL MANAGEMENT INC Com 03769M106 17,155 145 SH SOLE 0 145 0 0
APPLE INC Com 037833100 12,797,235 44,226 SH SOLE 0 43,726 0 500
APPLE INC Com 037833100 162,042 560 SH DFND 0 560 0 0
APPLIED MATERIALS INC Com 038222105 126,525 175 SH SOLE 0 175 0 0
Artisan Partners Asset Managem Com 04316A108 26,139 757 SH SOLE 0 757 0 0
ARVINAS, INC Com 04335A105 8,310 1,000 SH SOLE 0 1,000 0 0
ATLANTIC UNION BANKSHARES CORP Com 04911A107 9,181 217 SH SOLE 0 217 0 0
AUTOMATIC DATA PROCESSING INC Com 053015103 1,124,453 5,021 SH SOLE 0 5,021 0 0
BCE INC NEW Com 05534B760 10,755 500 SH SOLE 0 500 0 0
BP PLC SPONSORED ADR Com 055622104 40,054 1,084 SH SOLE 0 1,084 0 0
BAKER HUGHES CO Com 05722G100 2,248,638 40,516 SH SOLE 0 40,516 0 0
BANK OF AMERICA CORP Com 060505104 899,486 15,786 SH SOLE 0 15,786 0 0
BANK OF AMERICA CORP Pfd Stk 060505195 157,696 6,400 SH SOLE 0 6,400 0 0
BANK OF NEW YORK MELLON CORP Com 064058100 9,255 64 SH SOLE 0 64 0 0
BARRICK MINING CORPORATION Com 06849F108 837,444 22,800 SH SOLE 0 22,800 0 0
BECTON DICKINSON & CO Com 075887109 6,053 40 SH SOLE 0 40 0 0
WR BERKLEY CORP Com 084423102 1,726,151 24,474 SH SOLE 0 24,474 0 0
BERKSHIRE HATHAWAY INC CL B NE Com 084670702 231,681 463 SH SOLE 0 463 0 0
BERKSHIRE HATHAWAY INC CL B NE Com 084670702 220,172 440 SH DFND 0 440 0 0
BHP BILLITON LTD SPON ADR Com 088606108 11,913 143 SH SOLE 0 143 0 0
BLACKROCK ENHANCED EQUITY DIV Com 09251A104 18,700 1,954 SH SOLE 0 1,954 0 0
BLACKSTONE INC Com 09260D107 3,719,549 31,610 SH SOLE 0 31,160 0 450
BLACKROCK INC NEW COM Com 09290D101 10,577 11 SH SOLE 0 11 0 0
BOEING CO. Com 097023105 5,412 25 SH SOLE 0 25 0 0
BRISTOL-MYERS SQUIBB CO. Com 110122108 936,383 16,251 SH SOLE 0 16,251 0 0
BROADCOM INC COM Com 11135F101 182,831 484 SH SOLE 0 484 0 0
Brown-Forman Corporation Class Com 115637209 24,971 937 SH SOLE 0 937 0 0
C & F FINANCIAL CORPORATION Com 12466Q104 56,000 700 SH SOLE 0 700 0 0
CBRE GROUP INC Com 12504L109 1,439,567 10,688 SH SOLE 0 10,425 0 263
CME GROUP INC Com 12572Q105 3,312 15 SH SOLE 0 15 0 0
CSX CORP Com 126408103 223,391 4,700 SH SOLE 0 3,900 0 800
CANADIAN PACIFIC KANSAS CITY L Com 13646K108 86,650 1,000 SH SOLE 0 1,000 0 0
CAPITAL ONE FINANCIAL CORP Com 14040H105 69,013 344 SH SOLE 0 344 0 0
Carlyle Group Inc. Com 14316J108 126,330 3,000 SH SOLE 0 3,000 0 0
CARRIAGE SERVICES INC Com 143905107 11,502 300 SH SOLE 0 300 0 0
CARRIER GLOBAL CORP Com 14448C104 3,447 47 SH SOLE 0 47 0 0
CASEY'S GENERAL STORES INC Com 147528103 3,179 4 SH SOLE 0 4 0 0
CATERPILLAR INC Com 149123101 1,192,688 1,120 SH SOLE 0 1,120 0 0
CHEVRON CORP Com 166764100 851,178 5,135 SH SOLE 0 5,135 0 0
CHURCH & DWIGHT CO INC Com 171340102 82,348 850 SH SOLE 0 850 0 0
CINCINNATI FINANCIAL CORP Com 172062101 46,285 250 SH SOLE 0 250 0 0
CISCO SYSTEMS Com 17275R102 11,887,304 101,203 SH SOLE 0 100,803 0 400
CISCO SYSTEMS Com 17275R102 59,905 510 SH DFND 0 300 0 210
CITIGROUP INC NEW Com 172967424 25,053 179 SH SOLE 0 179 0 0
CLOROX CO Com 189054109 214,740 2,250 SH SOLE 0 2,250 0 0
COCA COLA BOTTLING CO CONS Com 191098102 53,458 280 SH SOLE 0 280 0 0
COCA-COLA CO Com 191216100 2,196,159 27,023 SH SOLE 0 27,023 0 0
COGNIZANT TECH SOLUTIONS-A Com 192446102 7,746 200 SH SOLE 0 200 0 0
COLGATE PALMOLIVE CO. Com 194162103 201,696 2,200 SH SOLE 0 2,200 0 0
COMCAST CORP CL A Com 20030N101 4,910 200 SH SOLE 0 200 0 0
CONOCOPHILLIPS Com 20825C104 3,229,829 31,068 SH SOLE 0 30,668 0 400
CONOCOPHILLIPS Com 20825C104 10,396 100 SH DFND 0 100 0 0
CONSOLIDATED EDISON INC Com 209115104 27,658 250 SH SOLE 0 250 0 0
CONSTELLATION BRANDS INC-A Com 21036P108 13,909 100 SH SOLE 0 100 0 0
CONSTELLATION ENERGY CORPORATI Com 21037T109 74,759 301 SH SOLE 0 301 0 0
CORNING INC Com 219350105 60,537 237 SH SOLE 0 237 0 0
CORTEVA INC Com 22052L104 113,569 1,341 SH SOLE 0 1,341 0 0
COSTCO WHOLESALE CORP Com 22160K105 129,095 138 SH SOLE 0 138 0 0
CROWDSTRIKE HOLDINGS INC - A Com 22788C105 5,342 7 SH SOLE 0 7 0 0
DAIFUKU CO LTD - UNSP ADR Com 233802107 3,419 156 SH SOLE 0 156 0 0
DANAHER CORP Com 235851102 518,106 2,720 SH SOLE 0 2,720 0 0
DARDEN RESTAURANTS INC Com 237194105 247,212 1,200 SH SOLE 0 1,200 0 0
DEERE & CO Com 244199105 888,696 1,401 SH SOLE 0 1,326 0 75
DEVON ENERGY CORPORATION NEW Com 25179M103 201,435 4,875 SH SOLE 0 4,875 0 0
WALT DISNEY CO/THE Com 254687106 922,364 9,583 SH SOLE 0 9,583 0 0
DOMINION ENERGY INC Com 25746U109 1,441,670 21,111 SH SOLE 0 21,111 0 0
DOMINION ENERGY INC Com 25746U109 13,590 199 SH DFND 0 199 0 0
DOW INC Com 260557103 16,170 591 SH SOLE 0 591 0 0
DUKE ENERGY CORP NEW COM Com 26441C204 244,426 1,931 SH SOLE 0 1,931 0 0
DUKE ENERGY CORP Pfd Stk 26441C501 127,738 5,200 SH SOLE 0 5,200 0 0
EASTMAN CHEM CO Com 277432100 16,745 250 SH SOLE 0 250 0 0
EATON VANCE TX ADV GLBL DIV FD Com 27828S101 22,622 961 SH SOLE 0 961 0 0
EATON VANCE TAX-MGD GLOBAL DIV Com 27829F108 19,600 1,998 SH SOLE 0 1,998 0 0
ECOLAB INC Com 278865100 4,476,427 16,067 SH SOLE 0 15,867 0 200
ELOXX PHARMACEUTICALS INC COM Com 29014R301 69 5 SH SOLE 0 5 0 0
ENBRIDGE INC Com 29250N105 4,898,470 90,361 SH SOLE 0 89,361 0 1,000
ENTERGY CORP NEW Com 29364G103 80,402 700 SH SOLE 0 700 0 0
EXELON CORPORATION Com 30161N101 51,282 1,100 SH SOLE 0 1,100 0 0
EXXON MOBIL CORPORATION Com 30231G102 10,768,888 78,766 SH SOLE 0 78,466 0 300
EXXON MOBIL CORPORATION Com 30231G102 111,290 814 SH DFND 0 703 0 111
META PLATFORMS INC Com 30303M102 309,810 550 SH SOLE 0 550 0 0
FASTENAL CO Com 311900104 40,441 842 SH SOLE 0 842 0 0
FEDEX CORPORATION Com 31428X106 62,626 200 SH SOLE 0 200 0 0
FEDEX FGHT HLDG CO INC Com 314352105 15,100 100 SH SOLE 0 100 0 0
FERGUSON ENTERPRISES INC Com 31488V107 47,941 202 SH SOLE 0 202 0 0
FIFTH THIRD BANCORP DEPOSITARY Pfd Stk 316773860 15,591 871 SH SOLE 0 871 0 0
FIRSTENERGY CORP Com 337932107 56,620 1,191 SH SOLE 0 1,191 0 0
FOX CORP - CLASS B Com 35137L204 255,231 5,449 SH SOLE 0 5,449 0 0
GABELLI DIVIDEND & INCOME TR Com 36242H104 22,579 768 SH SOLE 0 768 0 0
GE HEALTHCARE TECHNOLOGIES INC Com 36266G107 19,651 307 SH SOLE 0 307 0 0
GE VERNOVA LLC COM Com 36828A101 798,905 680 SH SOLE 0 680 0 0
GENERAL DYNAMICS CORP Com 369550108 35,070 99 SH SOLE 0 99 0 0
GE AEROSPACE Com 369604301 2,044,303 5,470 SH SOLE 0 5,470 0 0
GENERAL MOTORS CO Com 37045V100 38,540 500 SH SOLE 0 500 0 0
GSK PLC SPON ADS EACH REP 2 OR Com 37733W204 29,355 560 SH SOLE 0 560 0 0
GOLDMAN SACHS GROUP INC Com 38141G104 594,686 588 SH SOLE 0 588 0 0
HP INC Com 40434L105 2,194 100 SH SOLE 0 100 0 0
HALEON PLC - ADR Com 405552100 933 100 SH SOLE 0 100 0 0
HALLIBURTON CO. Com 406216101 6,790 200 SH SOLE 0 200 0 0
HARTFORD FINANCIAL SERVICES GR Com 416515104 3,446 26 SH SOLE 0 26 0 0
HECLA MINING CO Com 422704106 1,709,644 110,800 SH SOLE 0 110,800 0 0
HERSHEY COMPANY Com 427866108 127,201 725 SH SOLE 0 725 0 0
HEWLETT PACKARD ENTERPRISE CO Com 42824C109 1,796,776 39,831 SH SOLE 0 38,981 0 850
HILTON WORLDWIDE HOLDINGS IN Com 43300A203 33,046 100 SH SOLE 0 100 0 0
HOME DEPOT INC. Com 437076102 302,599 858 SH SOLE 0 858 0 0
HONEYWELL INTERNATIONAL INC Com 438516205 989,638 4,420 SH SOLE 0 4,420 0 0
HUNTINGTON INGALLS INDS INC Com 446413106 55,978 200 SH SOLE 0 200 0 0
IDEXX LABORATORIES INC Com 45168D104 5,264 10 SH SOLE 0 10 0 0
ILLINOIS TOOL WORKS Com 452308109 160,930 595 SH SOLE 0 595 0 0
INFINEON TECHNOLOGIES-ADR Com 45662N103 4,295 46 SH SOLE 0 46 0 0
INTEL CORP Com 458140100 661,148 4,735 SH SOLE 0 4,735 0 0
INTEL CORP Com 458140100 13,963 100 SH DFND 0 100 0 0
INTERNATIONAL BUSINESS MACHINE Com 459200101 3,017,946 10,732 SH SOLE 0 10,732 0 0
INTERNATIONAL BUSINESS MACHINE Com 459200101 28,121 100 SH DFND 0 100 0 0
INVESCO QQQ TRUST SERIES 1 Com 46090E103 1,922,004 2,610 SH SOLE 0 2,610 0 0
INTUIT INC Com 461202103 8,352 32 SH SOLE 0 32 0 0
INVESCO BULLETSHARES 2029 Com 46138J577 1,098,098 59,117 SH SOLE 0 59,117 0 0
INVESCO BULLETSHARES 2028 Com 46138J643 1,354,171 66,495 SH SOLE 0 66,495 0 0
INVESCO BULLETSHARES 2027 Com 46138J783 1,342,804 68,458 SH SOLE 0 68,458 0 0
INVESCO BULLETSHARES 2026 Com 46138J791 708,894 36,307 SH SOLE 0 36,307 0 0
ISHARES GOLD TRUST NEW Com 464285204 701,563 9,291 SH SOLE 0 9,291 0 0
ISHARES S&P 500 INDEX FUND ETF Com 464287200 375,194 501 SH SOLE 0 501 0 0
ISHARES 7-10 YR TREAS BD ETF Com 464287440 3,877 41 SH SOLE 0 41 0 0
ISHARES RUSSELL 1000 GROWTH ET Com 464287614 971,630 7,825 SH SOLE 0 7,825 0 0
ISHARES RUSSELL 2000 ETF Com 464287655 266,499 887 SH SOLE 0 887 0 0
iShares Core S&P US Value ETF Com 464287663 4,768,504 43,291 SH SOLE 0 43,291 0 0
ISHARES S&P MID-CAP 400 VALUE Com 464287705 156,889 1,062 SH SOLE 0 1,062 0 0
ISHARES S&P SMALLCAP 600 INDEX Com 464287804 5,636 38 SH SOLE 0 38 0 0
ISHARES S&P SMALL-CAP 600 VALU Com 464287879 13,668 100 SH SOLE 0 100 0 0
ISHARES JP MORGA Com 464288281 8,969 93 SH SOLE 0 93 0 0
iShares Morningstar Mid-Cap Gr Com 464288307 3,592,472 36,546 SH SOLE 0 36,388 0 158
iShares Morningstar Mid-Cap Gr Com 464288307 54,458 554 SH DFND 0 554 0 0
ISHARES TRUST BROAD INVT GRD B Com 464288620 45,392 885 SH SOLE 0 885 0 0
ISHARES SILVER TRUST Com 46428Q109 49,460 925 SH SOLE 0 925 0 0
ISHARES US TREASURY BD FD ETF Com 46429B267 77,839 3,417 SH SOLE 0 3,417 0 0
ISHARES TR CORE MSCI EAFE ETF Com 46432F842 435,672 4,511 SH SOLE 0 4,511 0 0
ISHARES CORE MSCI EMERGING MKT Com 46434G103 138,508 1,672 SH SOLE 0 1,672 0 0
iShares Core MSCI Internationa Com 46435G326 2,870,483 32,249 SH SOLE 0 32,249 0 0
MFC ISHARES TR BROAD USD HI YL Com 46435U853 13,401 362 SH SOLE 0 362 0 0
iShares iBonds Dec 2029 Term T Com 46436E825 356,922 16,486 SH SOLE 0 16,486 0 0
iShares ibonds Dec 2028 Term T Com 46436E833 325,347 14,695 SH SOLE 0 14,695 0 0
iShares iBonds Dec 2027 Term T Com 46436E841 325,931 14,570 SH SOLE 0 14,570 0 0
iShares iBonds Dec 2026 Term T Com 46436E858 331,905 14,500 SH SOLE 0 14,500 0 0
JP MORGAN CHASE & CO Com 46625H100 2,704,073 8,261 SH SOLE 0 8,141 0 120
JPMorgan Core Plus Bond ETF Com 46641Q670 2,914,223 62,084 SH SOLE 0 62,084 0 0
Jefferies Financial Group Com 47233w109 129,548 2,592 SH SOLE 0 2,592 0 0
JOHNSON & JOHNSON Com 478160104 11,010,869 43,355 SH SOLE 0 43,355 0 0
JOHNSON & JOHNSON Com 478160104 255,240 1,005 SH DFND 0 930 0 75
JPMORGAN CHASE & CO Pfd Stk 48128B655 153,344 6,400 SH SOLE 0 6,400 0 0
KIMBERLY CLARK CORP Com 494368103 539,190 4,912 SH SOLE 0 4,912 0 0
KINDER MORGAN INC Com 49456B101 5,016,477 156,912 SH SOLE 0 156,112 0 800
KINDER MORGAN INC Com 49456B101 15,985 500 SH DFND 0 500 0 0
KINROSS GOLD CORP Com 496902404 23,620 1,000 SH SOLE 0 1,000 0 0
KRAFT HEINZ CO Com 500754106 14,975 634 SH SOLE 0 634 0 0
KROGER CO Com 501044101 8,330 150 SH SOLE 0 150 0 0
L3HARRIS TECHNOLOGIES INC Com 502431109 8,137 28 SH SOLE 0 28 0 0
LAM RESEARCH CORP NEW Com 512807306 86,666 200 SH SOLE 0 200 0 0
LASERTEC CORP - ADR UNSP Com 51809L109 6,238 102 SH SOLE 0 102 0 0
LEMONADE INC Com 52567D107 6,505 100 SH SOLE 0 100 0 0
LILLY (ELI) & CO. Com 532457108 268,672 224 SH SOLE 0 224 0 0
LOCKHEED MARTIN CORP Com 539830109 3,533,105 6,935 SH SOLE 0 6,935 0 0
LOCKHEED MARTIN CORP Com 539830109 5,095 10 SH DFND 0 10 0 0
LOEWS CORP Com 540424108 2,604 23 SH SOLE 0 23 0 0
LOWES COMPANIES Com 548661107 1,291,189 5,856 SH SOLE 0 5,856 0 0
M & T BANK CORP Com 55261F104 59,503 250 SH SOLE 0 250 0 0
MSCI Inc Com 55354G100 6,160 11 SH SOLE 0 11 0 0
MARATHON PETROLEUM CORP Com 56585A102 1,227,216 4,800 SH SOLE 0 4,800 0 0
MARSH Com 571748102 5,333 32 SH SOLE 0 32 0 0
MARRIOTT INTERNATIONAL INC NEW Com 571903202 2,785,354 7,516 SH SOLE 0 7,516 0 0
MARVELL TECHNOLOGY INC Com 573874104 18,171 61 SH SOLE 0 61 0 0
MASTERCARD INC - CLASS A Com 57636Q104 131,995 257 SH SOLE 0 257 0 0
MATTHEWS INTL CORP-CLASS A Com 577128101 6,461 240 SH SOLE 0 240 0 0
MCDONALDS CORP Com 580135101 274,635 1,016 SH SOLE 0 1,016 0 0
MERCK & CO INC NEW Com 58933Y105 3,183,074 24,771 SH SOLE 0 24,470 0 301
METLIFE INC Com 59156R108 32,575 385 SH SOLE 0 385 0 0
MICROSOFT CORP Com 594918104 12,094,054 32,422 SH SOLE 0 32,072 0 350
MICROSOFT CORP Com 594918104 199,566 535 SH DFND 0 535 0 0
MIDDLEBY CORP Com 596278101 20,641 120 SH SOLE 0 120 0 0
MODERNA INC Com 60770K107 7,003 100 SH SOLE 0 100 0 0
MONDELEZ INTERNATIONAL, INC Com 609207105 401,294 6,938 SH SOLE 0 6,938 0 0
MORGAN STANLEY Com 617446448 403,447 1,930 SH SOLE 0 1,930 0 0
NETFLIX INC Com 64110L106 35,700 500 SH SOLE 0 500 0 0
NEWMONT MINING Com 651639106 625,780 6,700 SH SOLE 0 6,700 0 0
NEWS CORP - CLASS B (NEW) Com 65249B208 2,806 100 SH SOLE 0 100 0 0
NEXTERA ENERGY INC Com 65339F101 5,626,233 64,102 SH SOLE 0 63,302 0 800
NEXTERA ENERGY INC Com 65339F101 6,583 75 SH DFND 0 75 0 0
NEXTERA ENERGY CAPITAL Pfd Stk 65339K860 142,708 6,500 SH SOLE 0 6,500 0 0
NIKE, INC. Com 654106103 89,079 2,170 SH SOLE 0 2,170 0 0
NORFOLK SOUTHERN CORP. Com 655844108 3,793,012 12,057 SH SOLE 0 11,757 0 300
NORTHROP GRUMMAN CORP COM Com 666807102 68,757 135 SH SOLE 0 135 0 0
NOVARTIS AG-ADR Com 66987V109 26,016 166 SH SOLE 0 166 0 0
NUVEEN AMT-FREE MUNICIPAL INCO Com 670657105 17,446 1,486 SH SOLE 0 1,486 0 0
NVIDIA CORP Com 67066G104 962,233 4,809 SH SOLE 0 4,809 0 0
NUVEEN QUALITY MUNICIPAL INC Com 67066V101 17,526 1,446 SH SOLE 0 1,446 0 0
NUVEEN ENHANCED MUNICIPAL CRED Com 67070X101 17,131 1,351 SH SOLE 0 1,351 0 0
Nuveen Multi-Asset Income Fund Com 670750108 58,097 4,100 SH SOLE 0 4,100 0 0
OCCIDENTAL PETE CORP WT EXP 08 Com 674599162 320 12 SH SOLE 0 12 0 0
ORACLE CORP Com 68389X105 178,498 1,218 SH SOLE 0 1,218 0 0
OZOP ENERGY SOLUTIONS INC COM Com 692732308 0 1 SH SOLE 0 1 0 0
PNC FINANCIAL SERVICES GROUP Com 693475105 6,156 25 SH SOLE 0 25 0 0
PPG INDUSTRIES, INC. Com 693506107 388,128 3,200 SH SOLE 0 3,200 0 0
PPL CORPORATION Com 69351T106 4,689 129 SH SOLE 0 129 0 0
PACER TRENDPILOT 100 ETF Com 69374H303 40,070 452 SH SOLE 0 452 0 0
PALANTIR TECHNOLOGIES INC - A Com 69608A108 5,844,117 50,091 SH SOLE 0 50,091 0 0
PAN AMERN SILVER CORP Com 697900108 1,509,423 33,700 SH SOLE 0 33,700 0 0
PEPSICO INC Com 713448108 6,655,316 49,153 SH SOLE 0 48,853 0 300
PEPSICO INC Com 713448108 13,540 100 SH DFND 0 100 0 0
PFIZER, INC Com 717081103 757,942 31,476 SH SOLE 0 31,476 0 0
PFIZER, INC Com 717081103 19,264 800 SH DFND 0 800 0 0
PHILIP MORRIS INTERNATIONAL IN Com 718172109 2,385,479 13,186 SH SOLE 0 13,186 0 0
PHILLIPS 66 Com 718546104 570,544 3,375 SH SOLE 0 3,375 0 0
T ROWE PRICE GROUP INC Com 74144T108 400,757 3,525 SH SOLE 0 3,525 0 0
PRIMIS FINANCIAL CORP Com 74167B109 9,544 583 SH SOLE 0 583 0 0
PROCTER & GAMBLE CO. Com 742718109 7,982,935 54,439 SH SOLE 0 54,039 0 400
PROCTER & GAMBLE CO. Com 742718109 85,051 580 SH DFND 0 500 0 80
PROGRESSIVE CORP Com 743315103 1,015,574 4,649 SH SOLE 0 4,649 0 0
PROLOGIS INC Com 74340W103 38,609 285 SH SOLE 0 285 0 0
PROTO LABS INC Com 743713109 8,151 100 SH SOLE 0 100 0 0
PRUDENTIAL FINANCIAL INC Com 744320102 26,227 243 SH SOLE 0 243 0 0
PUTNAM MANAGED MUNI INCOME TRU Com 746823103 17,553 2,684 SH SOLE 0 2,684 0 0
QUALCOMM INC Com 747525103 1,326,792 7,180 SH SOLE 0 7,180 0 0
QUANTA SERVICES INC Com 74762E102 7,200 10 SH SOLE 0 10 0 0
RTX CORPORATION Com 75513E101 9,745,671 51,366 SH SOLE 0 51,366 0 0
RTX CORPORATION Com 75513E101 44,207 233 SH DFND 0 233 0 0
RECRUIT HOLDINGS CO LTD-ADR Com 75629J101 3,918 281 SH SOLE 0 281 0 0
RIO TINTO PLC-SPON ADR Com 767204100 5,506 58 SH SOLE 0 58 0 0
ROCKWELL INTL CORP Com 773903109 76,242 154 SH SOLE 0 154 0 0
ROYAL BK CDA MONTREAL QUE COM Com 780087102 620,910 3,000 SH SOLE 0 3,000 0 0
SHELL PLC ADR Com 780259305 38,770 500 SH SOLE 0 500 0 0
SPDR GOLD TRUST Com 78463V107 1,828,638 4,964 SH SOLE 0 4,964 0 0
SPDR INDEX SHARES EMERG Com 78463X509 1,773,517 34,251 SH SOLE 0 33,977 0 274
SPDR Portfolio S&P 500 Growth Com 78464A409 5,056,480 42,495 SH SOLE 0 42,333 0 162
SPDR S&P MIDCAP 400 ETF TRUST Com 78467Y107 1,042,350 1,482 SH SOLE 0 1,482 0 0
SPDR Portfolio High Yield Bond Com 78468R606 3,144,593 134,155 SH SOLE 0 134,155 0 0
SALESFORCE INC Com 79466L302 879,019 5,611 SH SOLE 0 5,511 0 100
SANOFI-ADR Com 80105N105 4,266 100 SH SOLE 0 100 0 0
CHARLES SCHWAB CORP NEW Com 808513105 33,771 366 SH SOLE 0 366 0 0
SCHWAB US LARGE CAP Com 808524300 9,340 276 SH SOLE 0 276 0 0
CHARLES SCHWAB US MC Com 808524508 4,646 126 SH SOLE 0 126 0 0
SCHWAB FUNDAMENTAL INTL L/C Com 808524755 10,652,033 201,896 SH SOLE 0 200,985 0 911
SCHWAB FUNDAMENTAL INTL L/C Com 808524755 42,208 800 SH DFND 0 800 0 0
SCHWAB INTERNATIONAL Com 808524805 6,703 242 SH SOLE 0 242 0 0
SPDR AMEX ENERGY SELECT Com 81369Y506 38,239 720 SH SOLE 0 720 0 0
UTILITIES SELECT SECTOR SPDR F Com 81369Y886 49,874 1,100 SH SOLE 0 1,100 0 0
SEMPRA Com 816851109 4,636 50 SH SOLE 0 50 0 0
SHOPIFY INC CL A Com 82509L107 8,107 71 SH SOLE 0 71 0 0
SIMON PROPERTY GROUP INC Com 828806109 67,095 300 SH SOLE 0 300 0 0
A.O. SMITH CORPORATION Com 831865209 4,265 68 SH SOLE 0 68 0 0
SMUCKER J M CO NEW Com 832696405 58,050 516 SH SOLE 0 516 0 0
SOLSTICE ADVANCED MATLS INC CO Com 83443Q103 76,462 863 SH SOLE 0 863 0 0
SOLVENTUM CORP COM Com 83444M101 13,501 175 SH SOLE 0 175 0 0
SOUTHERN CO Com 842587107 6,873,605 71,817 SH SOLE 0 71,417 0 400
SOUTHERN COMPANY NOTES GLOBAL Pfd Stk 842587800 37,499 1,950 SH SOLE 0 1,950 0 0
STARBUCKS CORP Com 855244109 159,519 1,561 SH SOLE 0 1,561 0 0
STRYKER CORP Com 863667101 57,301 182 SH SOLE 0 182 0 0
SUN LIFE FINANCIAL INC - ADR Com 866796105 19,134 244 SH SOLE 0 244 0 0
SYSCO CORP Com 871829107 2,583,541 30,911 SH SOLE 0 30,411 0 500
SYSCO CORP Com 871829107 6,269 75 SH DFND 0 75 0 0
TJX COMPANIES INC Com 872540109 45,450 300 SH SOLE 0 300 0 0
TAIWAN SEMICONDUCTOR - SP ADR Com 874039100 107,931 226 SH SOLE 0 226 0 0
Take-Two Interactive Software Com 874054109 2,000 8 SH SOLE 0 8 0 0
TARGET CORP Com 87612E106 1,101,565 8,434 SH SOLE 0 8,434 0 0
TARGET CORP Com 87612E106 50,285 385 SH DFND 0 385 0 0
TARGA RESOURCES CORP Com 87612G101 1,877 7 SH SOLE 0 7 0 0
TC ENERGY CORP Com 87807B107 19,887 300 SH SOLE 0 300 0 0
TECK RESOURCES LIMITED CLASS B Com 878742204 1,605 27 SH SOLE 0 27 0 0
TELOS CORPORATION Com 87969B101 460 100 SH SOLE 0 100 0 0
TEREX CORP Com 880779103 47,343 654 SH SOLE 0 654 0 0
TESLA INC Com 88160R101 262,875 625 SH SOLE 0 625 0 0
TEXAS INSTRUMENTS,INC. Com 882508104 68,556 230 SH SOLE 0 230 0 0
THOMSON REUTERS CORP Com 884903881 5,799 71 SH SOLE 0 71 0 0
3M CO Com 88579Y101 446,548 2,758 SH SOLE 0 2,758 0 0
TOWNEBANK Com 89214P109 7,315,914 201,874 SH SOLE 0 201,874 0 0
TRACTOR SUPPLY COMPANY Com 892356106 139,084 4,400 SH SOLE 0 4,400 0 0
TRAVELERS COMPANIES INC Com 89417E109 24,099 73 SH SOLE 0 73 0 0
TRUIST FINANCIAL CORP Com 89832Q109 5,526,134 110,922 SH SOLE 0 110,422 0 500
TRUIST FINANCIAL CORP Com 89832Q109 55,549 1,115 SH DFND 0 1,115 0 0
ULTA BEAUTY INC Com 90384S303 913,235 2,025 SH SOLE 0 2,025 0 0
UNILEVER PLC SPONSORED ADS Com 904767803 22,365 372 SH SOLE 0 372 0 0
UNION PACIFIC CORP Com 907818108 18,224 67 SH SOLE 0 67 0 0
UNITED PARCEL SERVICE CL B Com 911312106 1,266,028 11,777 SH SOLE 0 11,677 0 100
UNITED PARCEL SERVICE CL B Com 911312106 2,150 20 SH DFND 0 20 0 0
UNITED HEALTH GROUP INC Com 91324P102 211,971 510 SH SOLE 0 510 0 0
VALERO ENERGY CORP Com 91913Y100 390,660 1,500 SH SOLE 0 1,500 0 0
VANGUARD SHORT - TERM BOND ETF Com 921937827 3,704,153 47,544 SH SOLE 0 47,544 0 0
VANGUARD INFORMATION TECH ETF Com 92204A702 73,624 616 SH SOLE 0 616 0 0
VANGUARD-S/T COR Com 92206C409 13,751 174 SH SOLE 0 174 0 0
VANGUARD INTERME Com 92206C706 3,978,201 67,450 SH SOLE 0 67,450 0 0
VANGUARD INTERMED TRM CORP BD Com 92206C870 2,397,346 29,006 SH SOLE 0 29,006 0 0
VANGUARD S&P 500 ETF Com 922908363 3,521,275 5,127 SH SOLE 0 5,127 0 0
VANGUARD SMALL-CAP VALUE ETF Com 922908611 7,909,810 32,552 SH SOLE 0 32,470 0 82
VANGUARD SMALL-CAP VALUE ETF Com 922908611 7,290 30 SH DFND 0 30 0 0
Vanguard Morningstar Value ETF Com 922908744 29,421 135 SH SOLE 0 135 0 0
VANGUARD SMALL-CAP ETF Com 922908751 63,655 210 SH SOLE 0 210 0 0
VERISIGN INC COM Com 92343E102 18,867 75 SH SOLE 0 75 0 0
VERIZON COMMUNICATIONS Com 92343V104 3,100,347 73,225 SH SOLE 0 72,425 0 800
VERIZON COMMUNICATIONS Com 92343V104 32,559 769 SH DFND 0 769 0 0
Vertiv Holdings Co. Com 92537N108 56,919 170 SH SOLE 0 170 0 0
VICI PROPERTIES INC Com 925652109 83,633 3,150 SH SOLE 0 3,150 0 0
VISA INC - CLASS A SHARES Com 92826C839 3,524,564 10,273 SH SOLE 0 10,273 0 0
Virtus Total Return Fund Inc Com 92835W107 54,640 8,000 SH SOLE 0 8,000 0 0
VISTRA CORP Com 92840M102 15,863 100 SH SOLE 0 100 0 0
VULCAN MATERIALS CO Com 929160109 10,325 35 SH SOLE 0 35 0 0
WEC ENERGY GROUP INC Com 92939U106 2,919 25 SH SOLE 0 25 0 0
WALMART INC Com 931142103 574,455 5,072 SH SOLE 0 5,072 0 0
WARNER BROS DISCOVERY INC Com 934423104 1,733 65 SH SOLE 0 65 0 0
WASTE MANAGEMENT INC Com 94106L109 77,339 347 SH SOLE 0 347 0 0
WATERS CORP Com 941848103 1,875 5 SH SOLE 0 5 0 0
WELLS FARGO & CO NEW Com 949746101 97,763 1,183 SH SOLE 0 1,183 0 0
WELLTOWER INC COM Com 95040Q104 22,697 100 SH SOLE 0 100 0 0
WEYERHAEUSER CO Com 962166104 615,737 25,720 SH SOLE 0 25,720 0 0
WEYERHAEUSER CO Com 962166104 2,394 100 SH DFND 0 100 0 0
WILLIAMS COS INC Com 969457100 32,041 431 SH SOLE 0 431 0 0
XCEL ENERGY INC Com 98389B100 46,895 584 SH SOLE 0 584 0 0
YUM! BRANDS INC Com 988498101 2,791,635 17,463 SH SOLE 0 17,163 0 300
ZOETIS INC Com 98978V103 21,558 300 SH SOLE 0 300 0 0
ASTRAZENECA PLC COM STK Com G0593M107 116,047 612 SH SOLE 0 612 0 0
ACCENTURE PLC CL A Com G1151C101 2,625,560 21,099 SH SOLE 0 20,749 0 350
ACCENTURE PLC CL A Com G1151C101 2,489 20 SH DFND 0 20 0 0
EATON CORP PLC Com G29183103 3,875,561 9,095 SH SOLE 0 8,795 0 300
JOHNSON CTLS INTL PLC COM Com G51502105 24,400 167 SH SOLE 0 167 0 0
LINDE PLC Com G54950103 23,352 45 SH SOLE 0 45 0 0
CHUBB CORP Com H1467J104 2,019,225 5,926 SH SOLE 0 5,926 0 0
TRANSOCEAN LTD Com H8817H100 9,780 2,000 SH SOLE 0 2,000 0 0
STRATASYS LTD Com M85548101 856 100 SH SOLE 0 100 0 0
ASML HOLDING NV-NY REG SHS Com N07059210 49,736 25 SH SOLE 0 25 0 0