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 6,080 1,000 SH SOLE 0 1,000 0 0
AFLAC INC Com 001055102 78,134 699 SH SOLE 0 699 0 0
AT&T INC Com 00206R102 610,732 25,030 SH SOLE 0 25,030 0 0
AT&T INC Com 00206R102 64,074 2,626 SH DFND 0 2,626 0 0
AT&T INC Pfd Stk 00206R300 170,212 9,025 SH SOLE 0 9,025 0 0
ABBOTT LABORATORIES Com 002824100 214,461 2,170 SH SOLE 0 2,170 0 0
ABBOTT LABORATORIES Com 002824100 51,886 525 SH DFND 0 525 0 0
ABBVIE INC Com 00287Y109 338,236 1,293 SH SOLE 0 1,293 0 0
ADVANCED MICRO DEVICS Com 007903107 305,880 500 SH SOLE 0 500 0 0
AEYE INC WT EXP Com 008183113 3 1,000 SH SOLE 0 1,000 0 0
AGILENT TECHNOLOGIES INC Com 00846U101 1,779,101 10,325 SH SOLE 0 10,325 0 0
AIRBNB INC-CLASS A Com 009066101 4,659 29 SH SOLE 0 29 0 0
ALBEMARLE CORP Com 012653101 63,468 600 SH SOLE 0 600 0 0
ALLIANCE RESOURCE PARTNERS Com 01877R108 24,290 1,000 SH SOLE 0 1,000 0 0
ALPHABET INC - CL C Com 02079K107 146,177 429 SH SOLE 0 429 0 0
ALPHABET INC - CL A Com 02079K305 5,924,369 17,218 SH SOLE 0 17,118 0 100
ALPHABET INC - CL A Com 02079K305 79,138 230 SH DFND 0 230 0 0
ALTRIA GROUP INC Com 02209S103 727,137 10,798 SH SOLE 0 10,798 0 0
AMAZON.COM INC Com 023135106 8,054,521 32,328 SH SOLE 0 32,328 0 0
AMAZON.COM INC Com 023135106 49,830 200 SH DFND 0 200 0 0
AMERICAN ELECTRIC POWER CO INC Com 025537101 253,771 2,139 SH SOLE 0 2,139 0 0
AMERICAN EXPRESS CO Com 025816109 113,125 372 SH SOLE 0 372 0 0
AMERICAN INTERNATIONAL GROUP Com 026874784 5,879 79 SH SOLE 0 79 0 0
AMERICAN WATER WORKS INC Com 030420103 17,867 138 SH SOLE 0 138 0 0
AMGEN INC Com 031162100 8,034,824 19,062 SH SOLE 0 19,062 0 0
AMPHENOL CORP CL A Com 032095101 41,813 496 SH SOLE 0 496 0 0
ANALOG DEVICES INC Com 032654105 347,915 877 SH SOLE 0 877 0 0
APOLLO GLOBAL MANAGEMENT INC Com 03769M106 16,829 145 SH SOLE 0 145 0 0
APPLE INC Com 037833100 14,444,076 43,373 SH SOLE 0 42,873 0 500
APPLE INC Com 037833100 186,491 560 SH DFND 0 560 0 0
APPLIED MATERIALS INC Com 038222105 156,482 306 SH SOLE 0 306 0 0
Artisan Partners Asset Managem Com 04316A108 27,343 757 SH SOLE 0 757 0 0
ARVINAS, INC Com 04335A105 7,735 1,000 SH SOLE 0 1,000 0 0
ATLANTIC UNION BANKSHARES CORP Com 04911A107 8,235 217 SH SOLE 0 217 0 0
AUTOMATIC DATA PROCESSING INC Com 053015103 1,476,361 5,721 SH SOLE 0 5,721 0 0
BCE INC NEW Com 05534B760 10,170 500 SH SOLE 0 500 0 0
BP PLC SPONSORED ADR Com 055622104 47,685 1,084 SH SOLE 0 1,084 0 0
BAKER HUGHES CO Com 05722G100 2,363,225 43,046 SH SOLE 0 43,046 0 0
BANK OF AMERICA CORP Com 060505104 859,232 15,786 SH SOLE 0 15,786 0 0
BANK OF AMERICA CORP Pfd Stk 060505195 158,014 7,265 SH SOLE 0 7,265 0 0
BANK OF NEW YORK MELLON CORP Com 064058100 9,256 64 SH SOLE 0 64 0 0
BARRICK MINING CORPORATION Com 06849F108 927,276 22,800 SH SOLE 0 22,800 0 0
BECTON DICKINSON & CO Com 075887109 7,160 40 SH SOLE 0 40 0 0
WR BERKLEY CORP Com 084423102 1,701,940 25,199 SH SOLE 0 25,199 0 0
BERKSHIRE HATHAWAY INC CL B NE Com 084670702 230,551 463 SH SOLE 0 463 0 0
BERKSHIRE HATHAWAY INC CL B NE Com 084670702 219,098 440 SH DFND 0 440 0 0
BHP BILLITON LTD SPON ADR Com 088606108 12,132 143 SH SOLE 0 143 0 0
BLACKROCK ENHANCED EQUITY DIV Com 09251A104 18,368 1,954 SH SOLE 0 1,954 0 0
BLACKSTONE INC Com 09260D107 3,390,723 30,250 SH SOLE 0 29,800 0 450
BLACKROCK INC NEW COM Com 09290D101 46,565 44 SH SOLE 0 44 0 0
BOEING CO. Com 097023105 4,651 25 SH SOLE 0 25 0 0
BOOKING HOLDINGS INC Com 09857L108 20,364 125 SH SOLE 0 125 0 0
BRISTOL-MYERS SQUIBB CO. Com 110122108 1,079,582 17,301 SH SOLE 0 17,301 0 0
BRITISH AMERICAN TOB-SP ADR Com 110448107 57,174 1,051 SH SOLE 0 1,051 0 0
BROADCOM INC COM Com 11135F101 256,369 730 SH SOLE 0 730 0 0
Brown-Forman Corporation Class Com 115637209 24,549 937 SH SOLE 0 937 0 0
C & F FINANCIAL CORPORATION Com 12466Q104 68,579 700 SH SOLE 0 700 0 0
CBRE GROUP INC Com 12504L109 1,495,134 11,638 SH SOLE 0 11,375 0 263
CME GROUP INC Com 12572Q105 3,930 15 SH SOLE 0 15 0 0
CMS ENERGY CORP Com 125896100 14,698 233 SH SOLE 0 233 0 0
CSX CORP Com 126408103 168,599 3,625 SH SOLE 0 2,825 0 800
CANADIAN PACIFIC KANSAS CITY L Com 13646K108 85,100 1,000 SH SOLE 0 1,000 0 0
CAPITAL ONE FINANCIAL CORP Com 14040H105 66,416 344 SH SOLE 0 344 0 0
Carlyle Group Inc. Com 14316J108 118,980 3,000 SH SOLE 0 3,000 0 0
CARRIAGE SERVICES INC Com 143905107 9,351 300 SH SOLE 0 300 0 0
CARRIER GLOBAL CORP Com 14448C104 2,578 47 SH SOLE 0 47 0 0
CATERPILLAR INC Com 149123101 908,085 1,120 SH SOLE 0 1,120 0 0
CHEVRON CORP Com 166764100 806,834 3,951 SH SOLE 0 3,951 0 0
CHURCH & DWIGHT CO INC Com 171340102 80,087 850 SH SOLE 0 850 0 0
CINCINNATI FINANCIAL CORP Com 172062101 39,843 250 SH SOLE 0 250 0 0
CISCO SYSTEMS Com 17275R102 9,289,115 86,306 SH SOLE 0 86,091 0 215
CISCO SYSTEMS Com 17275R102 54,891 510 SH DFND 0 300 0 210
CITIGROUP INC NEW Com 172967424 23,177 179 SH SOLE 0 179 0 0
CLOROX CO Com 189054109 182,273 2,250 SH SOLE 0 2,250 0 0
COCA COLA BOTTLING CO CONS Com 191098102 52,996 280 SH SOLE 0 280 0 0
COCA-COLA CO Com 191216100 2,601,596 30,223 SH SOLE 0 30,223 0 0
COGNIZANT TECH SOLUTIONS-A Com 192446102 11,488 200 SH SOLE 0 200 0 0
COLGATE PALMOLIVE CO. Com 194162103 187,704 2,200 SH SOLE 0 2,200 0 0
COMCAST CORP CL A Com 20030N101 4,352 200 SH SOLE 0 200 0 0
CONOCOPHILLIPS Com 20825C104 3,843,482 30,711 SH SOLE 0 30,311 0 400
CONOCOPHILLIPS Com 20825C104 12,515 100 SH DFND 0 100 0 0
CONSOLIDATED EDISON INC Com 209115104 25,553 250 SH SOLE 0 250 0 0
CONSTELLATION BRANDS INC-A Com 21036P108 11,306 100 SH SOLE 0 100 0 0
CONSTELLATION ENERGY CORPORATI Com 21037T109 76,460 301 SH SOLE 0 301 0 0
CORNING INC Com 219350105 36,441 237 SH SOLE 0 237 0 0
CORTEVA INC Com 22052L104 104,129 1,341 SH SOLE 0 1,341 0 0
COSTCO WHOLESALE CORP Com 22160K105 140,192 154 SH SOLE 0 154 0 0
DANAHER CORP Com 235851102 536,151 2,420 SH SOLE 0 2,420 0 0
DARDEN RESTAURANTS INC Com 237194105 251,225 1,300 SH SOLE 0 1,300 0 0
DEERE & CO Com 244199105 940,842 1,401 SH SOLE 0 1,326 0 75
DEVON ENERGY CORPORATION NEW Com 25179M103 209,482 4,550 SH SOLE 0 4,550 0 0
WALT DISNEY CO/THE Com 254687106 984,382 9,384 SH SOLE 0 9,384 0 0
DOMINION ENERGY INC Com 25746U109 1,056,921 17,464 SH SOLE 0 17,464 0 0
DOMINION ENERGY INC Com 25746U109 12,043 199 SH DFND 0 199 0 0
DOW INC Com 260557103 16,276 591 SH SOLE 0 591 0 0
DUKE ENERGY CORP NEW COM Com 26441C204 493,777 4,331 SH SOLE 0 4,331 0 0
DUKE ENERGY CORP Pfd Stk 26441C501 129,168 6,050 SH SOLE 0 6,050 0 0
EASTMAN CHEM CO Com 277432100 16,210 250 SH SOLE 0 250 0 0
EATON VANCE TAX-MGD GLOBAL DIV Com 27829F108 18,801 1,998 SH SOLE 0 1,998 0 0
ECOLAB INC Com 278865100 4,266,699 15,539 SH SOLE 0 15,339 0 200
ELOXX PHARMACEUTICALS INC COM Com 29014R301 77 5 SH SOLE 0 5 0 0
EMERSON ELECTRIC CO Com 291011104 21,249 137 SH SOLE 0 137 0 0
ENBRIDGE INC Com 29250N105 3,992,375 85,876 SH SOLE 0 84,876 0 1,000
ENTERGY CORP NEW Com 29364G103 95,190 959 SH SOLE 0 959 0 0
EXELON CORPORATION Com 30161N101 125,240 3,100 SH SOLE 0 3,100 0 0
EXXONMOBIL HLDGS CORP COM Com 30233Q108 13,432,246 82,533 SH SOLE 0 82,233 0 300
EXXONMOBIL HLDGS CORP COM Com 30233Q108 132,479 814 SH DFND 0 703 0 111
META PLATFORMS INC Com 30303M102 398,849 550 SH SOLE 0 550 0 0
FASTENAL CO Com 311900104 41,704 842 SH SOLE 0 842 0 0
FEDEX CORPORATION Com 31428X106 57,018 200 SH SOLE 0 200 0 0
FERGUSON ENTERPRISES INC Com 31488V107 44,969 202 SH SOLE 0 202 0 0
FIFTH THIRD BANCORP DEPOSITARY Pfd Stk 316773860 15,835 871 SH SOLE 0 871 0 0
FIRSTENERGY CORP Com 337932107 40,210 928 SH SOLE 0 928 0 0
FOX CORP - CLASS B Com 35137L204 303,063 5,383 SH SOLE 0 5,383 0 0
GE HEALTHCARE TECHNOLOGIES INC Com 36266G107 20,069 307 SH SOLE 0 307 0 0
GE VERNOVA LLC COM Com 36828A101 546,532 575 SH SOLE 0 575 0 0
GENERAL DYNAMICS CORP Com 369550108 32,851 99 SH SOLE 0 99 0 0
GE AEROSPACE Com 369604301 1,577,065 5,050 SH SOLE 0 5,050 0 0
GENERAL MILLS INC Com 370334104 16,080 500 SH SOLE 0 500 0 0
GENERAL MOTORS CO Com 37045V100 38,500 500 SH SOLE 0 500 0 0
GSK PLC SPON ADS EACH REP 2 OR Com 37733W204 26,975 560 SH SOLE 0 560 0 0
GOLDMAN SACHS GROUP INC Com 38141G104 529,412 588 SH SOLE 0 588 0 0
HCA HEALTHCARE INC Com 40412C101 21,764 51 SH SOLE 0 51 0 0
HP INC Com 40434L105 3,128 100 SH SOLE 0 100 0 0
HALEON PLC - ADR Com 405552100 900 100 SH SOLE 0 100 0 0
HALLIBURTON CO. Com 406216101 6,360 200 SH SOLE 0 200 0 0
HARTFORD FINANCIAL SERVICES GR Com 416515104 3,181 26 SH SOLE 0 26 0 0
HECLA MINING CO Com 422704106 1,886,924 110,800 SH SOLE 0 110,800 0 0
HERSHEY COMPANY Com 427866108 102,447 650 SH SOLE 0 650 0 0
HEWLETT PACKARD ENTERPRISE CO Com 42824C109 2,375,494 37,181 SH SOLE 0 36,331 0 850
HILTON WORLDWIDE HOLDINGS IN Com 43300A203 31,812 100 SH SOLE 0 100 0 0
HOME DEPOT INC. Com 437076102 241,248 848 SH SOLE 0 848 0 0
HONEYWELL AEROSPACE INC Com 43849R105 86,783 560 SH SOLE 0 560 0 0
HONEYWELL INTERNATIONAL Com 438516106 105,470 500 SH SOLE 0 500 0 0
HONEYWELL INTERNATIONAL INC Com 438516205 118,126 560 SH SOLE 0 560 0 0
HUNTINGTON INGALLS INDS INC Com 446413106 53,414 200 SH SOLE 0 200 0 0
ILLINOIS TOOL WORKS Com 452308109 153,082 595 SH SOLE 0 595 0 0
INTEL CORP Com 458140100 533,220 4,435 SH SOLE 0 4,435 0 0
INTEL CORP Com 458140100 12,023 100 SH DFND 0 100 0 0
INTERNATIONAL BUSINESS MACHINE Com 459200101 2,371,725 10,784 SH SOLE 0 10,784 0 0
INTERNATIONAL BUSINESS MACHINE Com 459200101 21,993 100 SH DFND 0 100 0 0
INVESCO QQQ TRUST SERIES 1 Com 46090E103 1,930,800 2,610 SH SOLE 0 2,610 0 0
INTUIT INC Com 461202103 8,823 32 SH SOLE 0 32 0 0
INVESCO BULLETSHARES 2029 Com 46138J577 1,164,327 63,974 SH SOLE 0 63,974 0 0
INVESCO BULLETSHARES 2028 Com 46138J643 1,520,283 75,542 SH SOLE 0 75,542 0 0
INVESCO BULLETSHARES 2027 Com 46138J783 1,341,999 68,662 SH SOLE 0 68,662 0 0
INVESCO BULLETSHARES 2026 Com 46138J791 708,713 36,307 SH SOLE 0 36,307 0 0
ISHARES GOLD TRUST NEW Com 464285204 674,081 8,631 SH SOLE 0 8,631 0 0
ISHARES TIPS BOND ETF Com 464287176 5,618 54 SH SOLE 0 54 0 0
ISHARES S&P 500 INDEX FUND ETF Com 464287200 360,715 471 SH SOLE 0 471 0 0
ISHARES MSCI EMERGING MARKET I Com 464287234 6,078 91 SH SOLE 0 91 0 0
ISHARES 20 YR TR Com 464287432 20,923 269 SH SOLE 0 269 0 0
ISHARES 7-10 YR TREAS BD ETF Com 464287440 3,662 41 SH SOLE 0 41 0 0
ISHARES MSCI EAFE INDEX FUND Com 464287465 10,285 99 SH SOLE 0 99 0 0
ISHARES RUSSELL 1000 GROWTH ET Com 464287614 739,034 5,900 SH SOLE 0 5,900 0 0
ISHARES RUSSELL 2000 ETF Com 464287655 246,488 887 SH SOLE 0 887 0 0
iShares Core S&P US Value ETF Com 464287663 4,976,275 45,124 SH SOLE 0 45,124 0 0
ISHARES S&P MID-CAP 400 VALUE Com 464287705 146,248 1,062 SH SOLE 0 1,062 0 0
ISHARES S&P SMALLCAP 600 INDEX Com 464287804 25,984 191 SH SOLE 0 191 0 0
ISHARES S&P SMALL-CAP 600 VALU Com 464287879 12,810 100 SH SOLE 0 100 0 0
ISHARES JP MORGA Com 464288281 1,635 18 SH SOLE 0 18 0 0
iShares Morningstar Mid-Cap Gr Com 464288307 3,683,399 39,231 SH SOLE 0 39,073 0 158
iShares Morningstar Mid-Cap Gr Com 464288307 52,015 554 SH DFND 0 554 0 0
ISHARES TRUST BROAD INVT GRD B Com 464288620 13,347 274 SH SOLE 0 274 0 0
ISHARES U S PREFERRED STOCK ET Com 464288687 502 17 SH SOLE 0 17 0 0
ISHARES SILVER TRUST Com 46428Q109 50,422 925 SH SOLE 0 925 0 0
ISHARES US TREASURY BD FD ETF Com 46429B267 39,344 1,799 SH SOLE 0 1,799 0 0
ISHARES TR CORE MSCI EAFE ETF Com 46432F842 466,283 4,813 SH SOLE 0 4,813 0 0
ISHARES CORE MSCI EMERGING MKT Com 46434G103 130,911 1,613 SH SOLE 0 1,613 0 0
iShares Core MSCI Internationa Com 46435G326 2,928,770 32,731 SH SOLE 0 32,731 0 0
MFC ISHARES TR BROAD USD HI YL Com 46435U853 4,286 120 SH SOLE 0 120 0 0
iShares iBonds Dec 2029 Term T Com 46436E825 398,733 18,786 SH SOLE 0 18,786 0 0
iShares ibonds Dec 2028 Term T Com 46436E833 396,461 18,095 SH SOLE 0 18,095 0 0
iShares iBonds Dec 2027 Term T Com 46436E841 349,754 15,670 SH SOLE 0 15,670 0 0
iShares iBonds Dec 2026 Term T Com 46436E858 331,760 14,500 SH SOLE 0 14,500 0 0
JP MORGAN CHASE & CO Com 46625H100 3,009,891 9,098 SH SOLE 0 8,978 0 120
JPMorgan Core Plus Bond ETF Com 46641Q670 3,029,904 67,662 SH SOLE 0 67,662 0 0
Jefferies Financial Group Com 47233w109 118,532 2,592 SH SOLE 0 2,592 0 0
JOHNSON & JOHNSON Com 478160104 11,283,219 42,620 SH SOLE 0 42,620 0 0
JOHNSON & JOHNSON Com 478160104 266,064 1,005 SH DFND 0 930 0 75
JPMORGAN CHASE & CO Pfd Stk 48128B655 156,631 7,275 SH SOLE 0 7,275 0 0
KLA-TENCOR CORPORATION Com 482480100 120,857 620 SH SOLE 0 620 0 0
KIMBERLY CLARK CORP Com 494368103 468,833 4,812 SH SOLE 0 4,812 0 0
KINDER MORGAN INC Com 49456B101 4,589,644 152,227 SH SOLE 0 151,427 0 800
KINDER MORGAN INC Com 49456B101 15,075 500 SH DFND 0 500 0 0
KINROSS GOLD CORP Com 496902404 24,080 1,000 SH SOLE 0 1,000 0 0
KRAFT HEINZ CO Com 500754106 14,404 634 SH SOLE 0 634 0 0
KROGER CO Com 501044101 8,793 150 SH SOLE 0 150 0 0
L3HARRIS TECHNOLOGIES INC Com 502431109 6,630 28 SH SOLE 0 28 0 0
LAM RESEARCH CORP NEW Com 512807306 65,702 200 SH SOLE 0 200 0 0
LEMONADE INC Com 52567D107 4,514 100 SH SOLE 0 100 0 0
LILLY (ELI) & CO. Com 532457108 232,573 201 SH SOLE 0 201 0 0
LOCKHEED MARTIN CORP Com 539830109 3,433,364 6,742 SH SOLE 0 6,742 0 0
LOCKHEED MARTIN CORP Com 539830109 5,093 10 SH DFND 0 10 0 0
LOWES COMPANIES Com 548661107 1,252,435 6,796 SH SOLE 0 6,796 0 0
M & T BANK CORP Com 55261F104 54,400 250 SH SOLE 0 250 0 0
MSCI Inc Com 55354G100 5,925 11 SH SOLE 0 11 0 0
MARATHON PETROLEUM CORP Com 56585A102 1,898,016 4,800 SH SOLE 0 4,800 0 0
MARRIOTT INTERNATIONAL INC NEW Com 571903202 2,801,257 7,876 SH SOLE 0 7,876 0 0
MASTERCARD INC - CLASS A Com 57636Q104 141,728 257 SH SOLE 0 257 0 0
MATTHEWS INTL CORP-CLASS A Com 577128101 4,606 240 SH SOLE 0 240 0 0
MCDONALDS CORP Com 580135101 204,844 887 SH SOLE 0 887 0 0
MERCK & CO INC NEW Com 58933Y105 3,702,208 25,478 SH SOLE 0 25,478 0 0
METLIFE INC Com 59156R108 36,252 385 SH SOLE 0 385 0 0
MICROSOFT CORP Com 594918104 16,390,745 31,957 SH SOLE 0 31,607 0 350
MICROSOFT CORP Com 594918104 274,402 535 SH DFND 0 535 0 0
MIDDLEBY CORP Com 596278101 12,430 120 SH SOLE 0 120 0 0
MIDERA FOOD PROCESSING INC Com 59739R104 4,898 120 SH SOLE 0 120 0 0
MODERNA INC Com 60770K107 19,257 100 SH SOLE 0 100 0 0
MONDELEZ INTERNATIONAL, INC Com 609207105 430,065 7,438 SH SOLE 0 7,438 0 0
MORGAN STANLEY Com 617446448 362,994 1,930 SH SOLE 0 1,930 0 0
NETFLIX INC Com 64110L106 34,790 500 SH SOLE 0 500 0 0
NEWMONT MINING Com 651639106 772,778 6,700 SH SOLE 0 6,700 0 0
NEXTERA ENERGY INC Com 65339F101 4,881,216 64,447 SH SOLE 0 63,647 0 800
NEXTERA ENERGY INC Com 65339F101 5,681 75 SH DFND 0 75 0 0
NEXTERA ENERGY CAPITAL Pfd Stk 65339K860 141,896 7,480 SH SOLE 0 7,480 0 0
NIKE, INC. Com 654106103 71,862 2,030 SH SOLE 0 2,030 0 0
NORFOLK SOUTHERN CORP. Com 655844108 3,815,223 12,347 SH SOLE 0 12,047 0 300
NORTHROP GRUMMAN CORP COM Com 666807102 65,270 135 SH SOLE 0 135 0 0
NOVARTIS AG-ADR Com 66987V109 45,765 321 SH SOLE 0 321 0 0
NVIDIA CORP Com 67066G104 1,098,279 4,809 SH SOLE 0 4,809 0 0
NUVEEN QUALITY MUNICIPAL INC Com 67066V101 14,634 1,446 SH SOLE 0 1,446 0 0
NUVEEN ENHANCED MUNICIPAL CRED Com 67070X101 14,631 1,351 SH SOLE 0 1,351 0 0
Nuveen Multi-Asset Income Fund Com 670750108 59,245 4,100 SH SOLE 0 4,100 0 0
OCCIDENTAL PETE CORP WT EXP 08 Com 674599162 399 12 SH SOLE 0 12 0 0
OMEGA HEALTHCARE INVESTORS Com 681936100 23,155 500 SH SOLE 0 500 0 0
ORACLE CORP Com 68389X105 200,458 1,460 SH SOLE 0 1,460 0 0
OZOP ENERGY SOLUTIONS INC COM Com 692732308 0 1 SH SOLE 0 1 0 0
PNC FINANCIAL SERVICES GROUP Com 693475105 44,007 198 SH SOLE 0 198 0 0
PACER TRENDPILOT 100 ETF Com 69374H303 40,314 452 SH SOLE 0 452 0 0
PALANTIR TECHNOLOGIES INC - A Com 69608A108 8,633,480 46,156 SH SOLE 0 46,156 0 0
PAN AMERN SILVER CORP Com 697900108 1,533,687 33,700 SH SOLE 0 33,700 0 0
PEPSICO INC Com 713448108 6,151,876 48,547 SH SOLE 0 48,247 0 300
PEPSICO INC Com 713448108 12,672 100 SH DFND 0 100 0 0
PFIZER, INC Com 717081103 674,641 23,655 SH SOLE 0 23,655 0 0
PFIZER, INC Com 717081103 22,816 800 SH DFND 0 800 0 0
PHILIP MORRIS INTERNATIONAL IN Com 718172109 2,410,247 12,631 SH SOLE 0 12,631 0 0
PHILLIPS 66 Com 718546104 905,585 3,547 SH SOLE 0 3,547 0 0
T ROWE PRICE GROUP INC Com 74144T108 361,574 3,475 SH SOLE 0 3,475 0 0
PRIMIS FINANCIAL CORP Com 74167B109 8,908 583 SH SOLE 0 583 0 0
PROCTER & GAMBLE CO. Com 742718109 7,467,392 51,400 SH SOLE 0 51,000 0 400
PROCTER & GAMBLE CO. Com 742718109 84,262 580 SH DFND 0 500 0 80
PROGRESSIVE CORP Com 743315103 943,053 4,549 SH SOLE 0 4,549 0 0
PROLOGIS INC Com 74340W103 37,004 285 SH SOLE 0 285 0 0
PROTO LABS INC Com 743713109 9,485 100 SH SOLE 0 100 0 0
PRUDENTIAL FINANCIAL INC Com 744320102 22,716 200 SH SOLE 0 200 0 0
QUALCOMM INC Com 747525103 1,640,349 8,913 SH SOLE 0 8,913 0 0
RTX CORPORATION Com 75513E101 9,344,136 50,332 SH SOLE 0 50,332 0 0
RTX CORPORATION Com 75513E101 43,256 233 SH DFND 0 233 0 0
REGENERON PHARMACEUTICAL Com 75886F107 15,924 21 SH SOLE 0 21 0 0
ROCKWELL INTL CORP Com 773903109 67,041 154 SH SOLE 0 154 0 0
ROYAL BK CDA MONTREAL QUE COM Com 780087102 589,770 3,000 SH SOLE 0 3,000 0 0
SHELL PLC ADR Com 780259305 47,525 500 SH SOLE 0 500 0 0
SPDR GOLD TRUST Com 78463V107 2,204,683 5,789 SH SOLE 0 5,789 0 0
SPDR INDEX SHARES EMERG Com 78463X509 1,964,137 37,947 SH SOLE 0 37,673 0 274
SPDR Portfolio S&P 500 Growth Com 78464A409 6,125,076 49,765 SH SOLE 0 49,603 0 162
SPDR S&P MIDCAP 400 ETF TRUST Com 78467Y107 860,290 1,310 SH SOLE 0 1,310 0 0
SPDR Portfolio High Yield Bond Com 78468R606 3,133,007 138,690 SH SOLE 0 138,690 0 0
SALESFORCE INC Com 79466L302 1,255,289 5,468 SH SOLE 0 5,368 0 100
SANOFI-ADR Com 80105N105 4,123 100 SH SOLE 0 100 0 0
CHARLES SCHWAB CORP NEW Com 808513105 35,773 366 SH SOLE 0 366 0 0
SCHWAB US LARGE CAP Com 808524300 9,917 276 SH SOLE 0 276 0 0
SCHWAB FUNDAMENTAL INTL L/C Com 808524755 11,336,789 210,917 SH SOLE 0 210,006 0 911
SCHWAB FUNDAMENTAL INTL L/C Com 808524755 43,000 800 SH DFND 0 800 0 0
SCHWAB INTERNATIONAL Com 808524805 6,648 242 SH SOLE 0 242 0 0
SCHWAB SHORT-TERM US TREAS ETF Com 808524862 17,370 728 SH SOLE 0 728 0 0
SCHWAB US TIPS ETF Com 808524870 101 4 SH SOLE 0 4 0 0
SPDR AMEX ENERGY SELECT Com 81369Y506 44,280 720 SH SOLE 0 720 0 0
UTILITIES SELECT SECTOR SPDR F Com 81369Y886 43,384 1,100 SH SOLE 0 1,100 0 0
SIMON PROPERTY GROUP INC Com 828806109 60,228 300 SH SOLE 0 300 0 0
A.O. SMITH CORPORATION Com 831865209 3,833 68 SH SOLE 0 68 0 0
SMUCKER J M CO NEW Com 832696405 61,358 516 SH SOLE 0 516 0 0
SOLSTICE ADVANCED MATLS INC CO Com 83443Q103 2,140 38 SH SOLE 0 38 0 0
SOLVENTUM CORP COM Com 83444M101 15,426 175 SH SOLE 0 175 0 0
SOUTHERN CO Com 842587107 6,010,934 72,517 SH SOLE 0 72,117 0 400
SOUTHERN COMPANY NOTES GLOBAL Pfd Stk 842587800 33,696 1,950 SH SOLE 0 1,950 0 0
STARBUCKS CORP Com 855244109 146,672 1,561 SH SOLE 0 1,561 0 0
STRYKER CORP Com 863667101 50,121 182 SH SOLE 0 182 0 0
SUN LIFE FINANCIAL INC - ADR Com 866796105 19,025 244 SH SOLE 0 244 0 0
SYSCO CORP Com 871829107 2,353,301 30,186 SH SOLE 0 29,686 0 500
SYSCO CORP Com 871829107 5,847 75 SH DFND 0 75 0 0
TJX COMPANIES INC Com 872540109 39,693 300 SH SOLE 0 300 0 0
T-mobile Us Inc Com 872590104 30,333 186 SH SOLE 0 186 0 0
TAIWAN SEMICONDUCTOR - SP ADR Com 874039100 73,447 161 SH SOLE 0 161 0 0
Take-Two Interactive Software Com 874054109 1,660 8 SH SOLE 0 8 0 0
TARGET CORP Com 87612E106 1,258,847 8,034 SH SOLE 0 8,034 0 0
TARGET CORP Com 87612E106 60,326 385 SH DFND 0 385 0 0
TARGA RESOURCES CORP Com 87612G101 1,892 7 SH SOLE 0 7 0 0
TC ENERGY CORP Com 87807B107 17,334 300 SH SOLE 0 300 0 0
TELOS CORPORATION Com 87969B101 407 100 SH SOLE 0 100 0 0
TEREX CORP Com 880779103 34,400 654 SH SOLE 0 654 0 0
TESLA INC Com 88160R101 254,399 717 SH SOLE 0 717 0 0
TEXAS INSTRUMENTS,INC. Com 882508104 61,060 218 SH SOLE 0 218 0 0
THOMSON REUTERS CORP Com 884903881 6,910 71 SH SOLE 0 71 0 0
3M CO Com 88579Y101 452,726 2,758 SH SOLE 0 2,758 0 0
TOWNEBANK Com 89214P109 6,981,803 195,843 SH SOLE 0 195,843 0 0
TRACTOR SUPPLY COMPANY Com 892356106 137,676 4,400 SH SOLE 0 4,400 0 0
TRAVELERS COMPANIES INC Com 89417E109 26,025 73 SH SOLE 0 73 0 0
TRUIST FINANCIAL CORP Com 89832Q109 4,931,969 106,522 SH SOLE 0 106,022 0 500
TRUIST FINANCIAL CORP Com 89832Q109 51,625 1,115 SH DFND 0 1,115 0 0
ULTA BEAUTY INC Com 90384S303 1,086,878 1,990 SH SOLE 0 1,990 0 0
UNILEVER PLC SPONSORED ADS Com 904767803 22,592 372 SH SOLE 0 372 0 0
UNION PACIFIC CORP Com 907818108 32,928 121 SH SOLE 0 121 0 0
UNITED PARCEL SERVICE CL B Com 911312106 967,291 10,352 SH SOLE 0 10,252 0 100
UNITED PARCEL SERVICE CL B Com 911312106 1,869 20 SH DFND 0 20 0 0
UNITED HEALTH GROUP INC Com 91324P102 199,324 543 SH SOLE 0 543 0 0
UNIVERSAL CORP-VA Com 913456109 317,604 7,600 SH SOLE 0 7,600 0 0
VALERO ENERGY CORP Com 91913Y100 554,282 1,430 SH SOLE 0 1,430 0 0
VANGUARD SHORT - TERM BOND ETF Com 921937827 3,893,497 50,962 SH SOLE 0 50,962 0 0
VANGUARD CHARLOTTE FDS INTL BD Com 92203J407 8,624 184 SH SOLE 0 184 0 0
VANGUARD INFORMATION TECH ETF Com 92204A702 77,413 616 SH SOLE 0 616 0 0
VANGUARD-S/T COR Com 92206C409 42,024 544 SH SOLE 0 544 0 0
VANGUARD INTERME Com 92206C706 4,093,175 72,241 SH SOLE 0 72,241 0 0
VANGUARD INTERMED TRM CORP BD Com 92206C870 2,535,599 32,379 SH SOLE 0 32,379 0 0
VANGUARD S&P 500 ETF Com 922908363 3,687,224 5,261 SH SOLE 0 5,261 0 0
VANGUARD SMALL-CAP VALUE ETF Com 922908611 7,543,361 32,651 SH SOLE 0 32,569 0 82
VANGUARD SMALL-CAP VALUE ETF Com 922908611 6,931 30 SH DFND 0 30 0 0
Vanguard Morningstar Value ETF Com 922908744 146,502 678 SH SOLE 0 678 0 0
VANGUARD SMALL-CAP ETF Com 922908751 59,743 210 SH SOLE 0 210 0 0
VERISIGN INC COM Com 92343E102 21,151 75 SH SOLE 0 75 0 0
VERIZON COMMUNICATIONS Com 92343V104 3,632,904 79,200 SH SOLE 0 78,400 0 800
VERIZON COMMUNICATIONS Com 92343V104 35,274 769 SH DFND 0 769 0 0
Vertiv Holdings Co. Com 92537N108 41,023 170 SH SOLE 0 170 0 0
VICI PROPERTIES INC Com 925652109 81,544 3,550 SH SOLE 0 3,550 0 0
VISA INC - CLASS A SHARES Com 92826C839 3,724,815 10,366 SH SOLE 0 10,366 0 0
Virtus Total Return Fund Inc Com 92835W107 48,240 8,000 SH SOLE 0 8,000 0 0
VISTRA CORP Com 92840M102 13,835 100 SH SOLE 0 100 0 0
VULCAN MATERIALS CO Com 929160109 8,562 35 SH SOLE 0 35 0 0
WEC ENERGY GROUP INC Com 92939U106 2,520 25 SH SOLE 0 25 0 0
WALMART INC Com 931142103 547,866 5,272 SH SOLE 0 5,272 0 0
WARNER BROS DISCOVERY INC Com 934423104 2,012 65 SH SOLE 0 65 0 0
WASTE MANAGEMENT INC Com 94106L109 70,760 347 SH SOLE 0 347 0 0
WATERS CORP Com 941848103 2,197 5 SH SOLE 0 5 0 0
WELLS FARGO & CO NEW Com 949746101 94,699 1,183 SH SOLE 0 1,183 0 0
WELLTOWER INC COM Com 95040Q104 23,024 100 SH SOLE 0 100 0 0
WEYERHAEUSER CO Com 962166104 360,426 18,920 SH SOLE 0 18,920 0 0
WEYERHAEUSER CO Com 962166104 1,905 100 SH DFND 0 100 0 0
WILLIAMS COS INC Com 969457100 29,295 431 SH SOLE 0 431 0 0
WILLIAMS SONOMA INC Com 969904101 31,456 138 SH SOLE 0 138 0 0
XCEL ENERGY INC Com 98389B100 41,160 584 SH SOLE 0 584 0 0
YUM! BRANDS INC Com 988498101 2,541,787 18,643 SH SOLE 0 18,343 0 300
ASTRAZENECA PLC COM STK Com G0593M107 98,820 612 SH SOLE 0 612 0 0
ACCENTURE PLC CL A Com G1151C101 3,704,441 20,202 SH SOLE 0 19,852 0 350
ACCENTURE PLC CL A Com G1151C101 3,667 20 SH DFND 0 20 0 0
EATON CORP PLC Com G29183103 3,881,570 9,033 SH SOLE 0 8,733 0 300
JOHNSON CTLS INTL PLC COM Com G51502105 24,825 167 SH SOLE 0 167 0 0
LINDE PLC Com G54950103 21,359 45 SH SOLE 0 45 0 0
CHUBB CORP Com H1467J104 1,914,422 5,886 SH SOLE 0 5,886 0 0
TRANSOCEAN LTD Com H8817H100 10,480 2,000 SH SOLE 0 2,000 0 0
STRATASYS LTD Com M85548101 831 100 SH SOLE 0 100 0 0
ASML HOLDING NV-NY REG SHS Com N07059210 36,233 20 SH SOLE 0 20 0 0