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
AT&T INC Com 00206R102 1,001 37,052 SH   SOLE 0 37,052 0 0
AT&T INC Com 00206R102 377 13,963 SH   DFND 0 13,663 0 300
ABBOTT LABORATORIES Com 002824100 2,895 24,511 SH   SOLE 0 24,511 0 0
ABBOTT LABORATORIES Com 002824100 116 982 SH   DFND 0 866 0 116
ABBVIE INC Com 00287Y109 2,362 21,899 SH   SOLE 0 21,899 0 0
ABBVIE INC Com 00287Y109 72 666 SH   DFND 0 666 0 0
ADOBE INC Com 00724F101 8,077 14,030 SH   SOLE 0 13,789 0 241
ADOBE INC Com 00724F101 14 25 SH   DFND 0 0 0 25
ADVANCED ENERGY INDUSTRIES INC Com 007973100 384 4,375 SH   SOLE 0 4,302 0 73
AIR PRODUCTS & CHEMICALS INC Com 009158106 330 1,287 SH   SOLE 0 1,287 0 0
ALPHABET INC CL C Com 02079K107 10,395 3,900 SH   SOLE 0 3,855 0 45
ALPHABET INC CL C Com 02079K107 125 47 SH   DFND 0 47 0 0
ALPHABET INC CL A Com 02079K305 17,731 6,632 SH   SOLE 0 6,582 0 50
ALPHABET INC CL A Com 02079K305 203 76 SH   DFND 0 47 0 29
ALTRIA GROUP INC Com 02209S103 494 10,856 SH   SOLE 0 10,856 0 0
AMAZON COM INC Com 023135106 23,396 7,122 SH   SOLE 0 7,059 0 63
AMAZON COM INC Com 023135106 309 94 SH   DFND 0 90 0 4
AMEREN CORP Com 023608102 370 4,570 SH   SOLE 0 4,570 0 0
AMERICAN EXPRESS CO Com 025816109 1,042 6,221 SH   SOLE 0 6,221 0 0
AMERICAN NATIONAL BANKSHARES INC Com 027745108 528 15,984 SH   SOLE 0 15,984 0 0
AMERICAN TOWER CORP Com 03027X100 2,375 8,948 SH   SOLE 0 8,948 0 0
AMERICAN TOWER CORP Com 03027X100 71 266 SH   DFND 0 0 0 266
AMERICAN WATER WORKS CO INC Com 030420103 367 2,169 SH   SOLE 0 2,169 0 0
AMERICAN WATER WORKS CO INC Com 030420103 68 400 SH   DFND 0 400 0 0
AMGEN INC Com 031162100 6,150 28,920 SH   SOLE 0 28,920 0 0
AMGEN INC Com 031162100 662 3,113 SH   DFND 0 3,113 0 0
ANALOG DEVICES INC Com 032654105 702 4,190 SH   SOLE 0 4,190 0 0
APPLE INC Com 037833100 53,735 379,755 SH   SOLE 0 376,809 0 2,946
APPLE INC Com 037833100 700 4,948 SH   DFND 0 3,748 0 1,200
APPLIED MATERIALS INC Com 038222105 994 7,725 SH   SOLE 0 7,725 0 0
AUTOMATIC DATA PROCESSING INC Com 053015103 2,050 10,253 SH   SOLE 0 10,253 0 0
AUTOMATIC DATA PROCESSING INC Com 053015103 769 3,848 SH   DFND 0 3,800 0 48
AUTOZONE INC Com 053332102 263 155 SH   SOLE 0 155 0 0
AVANGRID INC Com 05351W103 776 15,964 SH   SOLE 0 15,837 0 127
AVANGRID INC Com 05351W103 24 500 SH   DFND 0 500 0 0
BANK OF AMERICA CORP Com 060505104 605 14,263 SH   SOLE 0 14,263 0 0
BANK OF AMERICA CORP Com 060505104 64 1,500 SH   DFND 0 1,500 0 0
BAXTER INTERNATIONAL INC Com 071813109 452 5,619 SH   SOLE 0 5,269 0 350
BECTON DICKINSON & CO Com 075887109 321 1,307 SH   SOLE 0 1,307 0 0
BECTON DICKINSON & CO Com 075887109 25 100 SH   DFND 0 100 0 0
BERKSHIRE HATHAWAY INC B Com 084670702 11,686 42,815 SH   SOLE 0 42,340 0 475
BERKSHIRE HATHAWAY INC B Com 084670702 103 377 SH   DFND 0 225 0 152
BLACKROCK INC Com 09247X101 949 1,131 SH   SOLE 0 1,122 0 9
BOEING CO Com 097023105 315 1,430 SH   SOLE 0 1,430 0 0
BOEING CO Com 097023105 15 70 SH   DFND 0 70 0 0
BOOKING HOLDINGS INC Com 09857L108 363 153 SH   SOLE 0 153 0 0
BRISTOL MYERS SQUIBB CO Com 110122108 1,865 31,525 SH   SOLE 0 31,391 0 134
BRISTOL MYERS SQUIBB CO Com 110122108 377 6,375 SH   DFND 0 6,375 0 0
BROADRIDGE FINL SOLUTIONS INC Com 11133T103 6,773 40,642 SH   SOLE 0 40,312 0 330
BROADRIDGE FINL SOLUTIONS INC Com 11133T103 21 126 SH   DFND 0 63 0 63
BROADCOM INC Com 11135F101 17,157 35,380 SH   SOLE 0 35,020 0 360
BROADCOM INC Com 11135F101 186 383 SH   DFND 0 273 0 110
CAMBRIDGE BANCORP Com 132152109 202 2,300 SH   SOLE 0 2,300 0 0
CARRIER GLOBAL CORP Com 14448C104 564 10,898 SH   SOLE 0 10,898 0 0
CARRIER GLOBAL CORP Com 14448C104 16 300 SH   DFND 0 300 0 0
CATERPILLAR INC Com 149123101 318 1,655 SH   SOLE 0 1,655 0 0
CENTENE CORP Com 15135B101 409 6,567 SH   SOLE 0 6,427 0 140
CERNER CORP Com 156782104 6,010 85,218 SH   SOLE 0 83,948 0 1,270
CHEVRON CORPORATION Com 166764100 832 8,198 SH   SOLE 0 8,198 0 0
CHEVRON CORPORATION Com 166764100 234 2,307 SH   DFND 0 2,307 0 0
CISCO SYSTEMS INC Com 17275R102 15,018 275,921 SH   SOLE 0 274,338 0 1,583
CISCO SYSTEMS INC Com 17275R102 346 6,364 SH   DFND 0 5,364 0 1,000
CITIZENS FINANCIAL GROUP INC Com 174610105 4,961 105,590 SH   SOLE 0 105,590 0 0
CITIZENS FINANCIAL GROUP INC Com 174610105 12 250 SH   DFND 0 250 0 0
COCA COLA CO Com 191216100 873 16,633 SH   SOLE 0 16,633 0 0
COCA COLA CO Com 191216100 105 2,000 SH   DFND 0 2,000 0 0
COLGATE PALMOLIVE INC Com 194162103 229 3,024 SH   SOLE 0 3,024 0 0
COLGATE PALMOLIVE INC Com 194162103 4 53 SH   DFND 0 0 0 53
COMCAST CORP Com 20030N101 11,744 209,985 SH   SOLE 0 208,685 0 1,300
COMCAST CORP Com 20030N101 7 125 SH   DFND 0 125 0 0
COMERICA INC Com 200340107 1,731 21,500 SH   SOLE 0 21,500 0 0
CONSOLIDATED EDISON INC Com 209115104 423 5,825 SH   SOLE 0 5,825 0 0
COSTCO WHOLESALE CORP Com 22160K105 1,206 2,684 SH   SOLE 0 2,684 0 0
COUPANG INC Com 22266T109 1,790 64,275 SH   SOLE 0 64,275 0 0
DXC TECHNOLOGY CO Com 23355L106 837 24,901 SH   SOLE 0 24,667 0 234
DANAHER CORP Com 235851102 1,752 5,754 SH   SOLE 0 5,754 0 0
DANAHER CORP Com 235851102 14 46 SH   DFND 0 46 0 0
DEERE & COMPANY Com 244199105 526 1,569 SH   SOLE 0 1,569 0 0
DEERE & COMPANY Com 244199105 17 50 SH   DFND 0 50 0 0
WALT DISNEY CO Com 254687106 2,024 11,966 SH   SOLE 0 11,966 0 0
WALT DISNEY CO Com 254687106 21 125 SH   DFND 0 125 0 0
DOLLAR GENERAL CORP Com 256677105 8,459 39,874 SH   SOLE 0 39,874 0 0
DOLLAR GENERAL CORP Com 256677105 10 45 SH   DFND 0 0 0 45
DUKE ENERGY CORP Com 26441C204 172 1,760 SH   SOLE 0 1,760 0 0
DUKE ENERGY CORP Com 26441C204 116 1,190 SH   DFND 0 1,190 0 0
DUPONT DE NEMOURS INC Com 26614N102 133 1,959 SH   SOLE 0 1,959 0 0
DUPONT DE NEMOURS INC Com 26614N102 72 1,066 SH   DFND 0 1,066 0 0
EBAY INC Com 278642103 9,055 129,967 SH   SOLE 0 129,448 0 519
EBAY INC Com 278642103 20 287 SH   DFND 0 287 0 0
ECOLAB INC Com 278865100 773 3,703 SH   SOLE 0 3,703 0 0
ECOLAB INC Com 278865100 209 1,000 SH   DFND 0 0 0 1,000
EDWARDS LIFESCIENCES CORP Com 28176E108 2,835 25,042 SH   SOLE 0 25,042 0 0
EDWARDS LIFESCIENCES CORP Com 28176E108 11 100 SH   DFND 0 100 0 0
EMERSON ELECTRIC CO Com 291011104 6,661 70,715 SH   SOLE 0 70,315 0 400
EMERSON ELECTRIC CO Com 291011104 300 3,181 SH   DFND 0 2,981 0 200
ENBRIDGE INC Com 29250N105 269 6,752 SH   SOLE 0 6,752 0 0
ENBRIDGE INC Com 29250N105 9 233 SH   DFND 0 233 0 0
ENERGY TRANSFER LP Com 29273V100 244 25,508 SH   SOLE 0 25,508 0 0
ENTEGRIS INC Com 29362U104 302 2,400 SH   SOLE 0 2,400 0 0
ESSENTIAL UTILITIES INC Com 29670G102 1,738 37,717 SH   SOLE 0 37,417 0 300
ESSENTIAL UTILITIES INC Com 29670G102 113 2,450 SH   DFND 0 2,450 0 0
EVERGY INC Com 30034W106 5,313 85,410 SH   SOLE 0 84,125 0 1,285
EVERGY INC Com 30034W106 47 750 SH   DFND 0 750 0 0
EXELON CORP Com 30161N101 318 6,570 SH   SOLE 0 6,570 0 0
EXXON MOBIL CORP Com 30231G102 1,931 32,826 SH   SOLE 0 32,826 0 0
EXXON MOBIL CORP Com 30231G102 46 775 SH   DFND 0 775 0 0
FACEBOOK INC Com 30303M102 7,243 21,341 SH   SOLE 0 21,241 0 100
FACEBOOK INC Com 30303M102 228 673 SH   DFND 0 650 0 23
FEDERATED HERMES INC Com 314211103 5,210 160,319 SH   SOLE 0 157,554 0 2,765
FEDERATED HERMES INC Com 314211103 38 1,170 SH   DFND 0 1,170 0 0
FIRST TRUST GLOBAL WIND ENERGY ETF Com 33736G106 2,085 99,761 SH   SOLE 0 99,161 0 600
FIRST TRUST GLOBAL WIND ENERGY ETF Com 33736G106 25 1,200 SH   DFND 0 1,200 0 0
FLEXSHARES IBOXX 3 YR TGT TIPS ETF Com 33939L506 595 22,609 SH   SOLE 0 22,609 0 0
FLEXSHARES GLOBAL QUALITY REAL ESTATE ETF Com 33939L787 360 5,455 SH   SOLE 0 5,455 0 0
FLEXSHARES STOXX GLOBAL BROAD INFRA ETF Com 33939L795 1,176 21,081 SH   SOLE 0 20,756 0 325
FLEXSHARES QUALITY DIV DEFENSIVE ETF Com 33939L845 490 9,225 SH   SOLE 0 9,225 0 0
FLEXSHARES QUALITY DVD ETF Com 33939L860 12,465 223,996 SH   SOLE 0 221,796 0 2,200
FULTON FINANCIAL CORP Com 360271100 157 10,300 SH   SOLE 0 10,300 0 0
GENERAL DYNAMICS CORP Com 369550108 20 100 SH   SOLE 0 100 0 0
GENERAL DYNAMICS CORP Com 369550108 183 935 SH   DFND 0 935 0 0
GENERAL ELECTRIC CO Com 369604301 338 3,282 SH   SOLE 0 3,282 0 0
GENERAL ELECTRIC CO Com 369604301 32 307 SH   DFND 0 307 0 0
GENERAL MILLS INC Com 370334104 215 3,599 SH   SOLE 0 3,599 0 0
GENERAL MILLS INC Com 370334104 79 1,325 SH   DFND 0 1,325 0 0
GENERAL MOTORS CO Com 37045V100 483 9,170 SH   SOLE 0 9,170 0 0
GENERAL MOTORS CO Com 37045V100 3 50 SH   DFND 0 50 0 0
GLAXO SMITHKLINE PLC SP ADR Com 37733W105 369 9,651 SH   SOLE 0 9,651 0 0
GOLDMAN SACHS ACTIVEBETA INTL EQUITY ETF Com 381430107 20,562 601,760 SH   SOLE 0 595,264 0 6,496
GOLDMAN SACHS ACTIVEBETA INTL EQUITY ETF Com 381430107 55 1,601 SH   DFND 0 601 0 1,000
GOLDMAN SACHS ACTIVEBETA US LGE CAP EQ ETF Com 381430503 6,808 79,130 SH   SOLE 0 77,530 0 1,600
GOLDMAN SACHS ACTIVEBETA US LGE CAP EQ ETF Com 381430503 10 119 SH   DFND 0 119 0 0
JACK HENRY & ASSOCIATES INC Com 426281101 329 2,005 SH   SOLE 0 2,005 0 0
HOLOGIC INC Com 436440101 706 9,560 SH   SOLE 0 9,390 0 170
HOME DEPOT INC Com 437076102 13,794 42,021 SH   SOLE 0 41,551 0 470
HOME DEPOT INC Com 437076102 255 778 SH   DFND 0 675 0 103
HONEYWELL INTL INC Com 438516106 1,286 6,058 SH   SOLE 0 6,058 0 0
HONEYWELL INTL INC Com 438516106 127 600 SH   DFND 0 600 0 0
IDEXX LABORATORIES INC Com 45168D104 93 150 SH   SOLE 0 150 0 0
IDEXX LABORATORIES INC Com 45168D104 243 390 SH   DFND 0 390 0 0
ILLINOIS TOOL WORKS INC Com 452308109 393 1,901 SH   SOLE 0 1,901 0 0
ILLINOIS TOOL WORKS INC Com 452308109 631 3,056 SH   DFND 0 3,000 0 56
INGERSOLL RAND INC Com 45687V106 93 1,843 SH   SOLE 0 1,843 0 0
INGERSOLL RAND INC Com 45687V106 202 4,000 SH   DFND 0 4,000 0 0
INTEL CORP Com 458140100 16,070 301,616 SH   SOLE 0 299,811 0 1,805
INTEL CORP Com 458140100 701 13,162 SH   DFND 0 12,695 0 467
INTERCONTINENTAL EXCHANGE INC Com 45866F104 344 3,000 SH   SOLE 0 3,000 0 0
INTERNATIONAL BUSINESS MACHINES CORP Com 459200101 1,331 9,580 SH   SOLE 0 9,580 0 0
INTERNATIONAL BUSINESS MACHINES CORP Com 459200101 28 200 SH   DFND 0 200 0 0
INVESCO QQQ TRUST SERIES 1 ETF Com 46090E103 634 1,771 SH   SOLE 0 1,771 0 0
INVESCO WATER RESOURCES ETF Com 46137V142 1,113 20,337 SH   SOLE 0 19,987 0 350
INVESCO WATER RESOURCES ETF Com 46137V142 27 500 SH   DFND 0 500 0 0
INVESCO MSCI SUSTAINABLE FUTURE ETF Com 46137V407 769 12,145 SH   SOLE 0 11,825 0 320
INVESCO MSCI SUSTAINABLE FUTURE ETF Com 46137V407 27 425 SH   DFND 0 425 0 0
INVESCO SOLAR ETF Com 46138G706 1,999 25,007 SH   SOLE 0 24,838 0 169
INVESCO SOLAR ETF Com 46138G706 40 500 SH   DFND 0 500 0 0
ISHARES SELECT DIVIDEND ETF Com 464287168 1,693 14,756 SH   SOLE 0 14,756 0 0
ISHARES CORE S&P 500 ETF Com 464287200 18,362 42,621 SH   SOLE 0 41,521 0 1,100
ISHARES CORE TOTAL AGGR US BOND ETF Com 464287226 311 2,711 SH   SOLE 0 2,711 0 0
ISHARES IBOXX INV GRADE CORP BD ETF Com 464287242 1,536 11,546 SH   SOLE 0 11,546 0 0
ISHARES MSCI EAFE INDEX ETF Com 464287465 2,525 32,367 SH   SOLE 0 32,367 0 0
ISHARES MSCI EAFE INDEX ETF Com 464287465 102 1,306 SH   DFND 0 1,306 0 0
ISHARES CORE S&P MIDCAP ETF Com 464287507 1,611 6,122 SH   SOLE 0 6,122 0 0
ISHARES RUSSELL 1000 GROWTH ETF Com 464287614 469 1,712 SH   SOLE 0 1,712 0 0
ISHARES RUSSELL 2000 ETF Com 464287655 330 1,507 SH   SOLE 0 1,507 0 0
ISHARES RUSSELL 3000 ETF Com 464287689 1,793 7,036 SH   SOLE 0 7,036 0 0
ISHARES CORE S&P SMALL CAP ETF Com 464287804 645 5,908 SH   SOLE 0 5,908 0 0
ISHARES CORE S&P SMALL CAP ETF Com 464287804 20 182 SH   DFND 0 182 0 0
ISHARES MSCI KLD 400 SOCIAL ETF Com 464288570 155 1,864 SH   SOLE 0 1,864 0 0
ISHARES MSCI KLD 400 SOCIAL ETF Com 464288570 100 1,200 SH   DFND 0 1,200 0 0
ISHARES MSCI USA ESG SELECT SOCIAL IDX ETF Com 464288802 1,310 13,656 SH   SOLE 0 13,656 0 0
ISHARES MSCI EAFE GROWTH ETF Com 464288885 265 2,485 SH   SOLE 0 2,485 0 0
ISHARES MSCI EAFE MIN VOL FACTOR ETF Com 46429B689 4,240 56,274 SH   SOLE 0 56,274 0 0
ISHARES EDGE MSCI MIN VOL USA ETF Com 46429B697 265 3,604 SH   SOLE 0 3,604 0 0
ISHARES EDGE MSCI USA QUAL FACT ETF Com 46432F339 3,863 29,325 SH   SOLE 0 29,325 0 0
ISHARES EDGE MSCI USA VAL WT IDX ETF Com 46432F388 288 2,860 SH   SOLE 0 2,860 0 0
ISHARES CORE MSCI EAFE ETF Com 46432F842 36,494 491,495 SH   SOLE 0 488,997 0 2,498
ISHARES CORE MSCI EAFE ETF Com 46432F842 84 1,132 SH   DFND 0 350 0 782
ISHARES ESG AWARE MSCI EM ETF Com 46434G863 14,773 356,497 SH   SOLE 0 352,522 0 3,975
ISHARES EDGE MSCI MULT FACT USA ETF Com 46434V282 242 5,749 SH   SOLE 0 5,749 0 0
ISHARES CORE DIVIDEND GROWTH ETF Com 46434V621 26,108 519,669 SH   SOLE 0 513,569 0 6,100
ITRON INC Com 465741106 551 7,287 SH   SOLE 0 7,157 0 130
JP MORGAN CHASE & CO Com 46625H100 14,114 86,222 SH   SOLE 0 85,755 0 467
JP MORGAN CHASE & CO Com 46625H100 126 771 SH   DFND 0 695 0 76
JOHNSON & JOHNSON CO Com 478160104 9,578 59,304 SH   SOLE 0 58,929 0 375
JOHNSON & JOHNSON CO Com 478160104 684 4,234 SH   DFND 0 3,534 0 700
KELLOGG CO Com 487836108 482 7,536 SH   SOLE 0 7,536 0 0
KEYCORP NEW Com 493267108 1,091 50,479 SH   SOLE 0 50,199 0 280
KEYCORP NEW Com 493267108 26 1,200 SH   DFND 0 1,200 0 0
KIMBERLY-CLARK CORP Com 494368103 6,549 49,450 SH   SOLE 0 49,450 0 0
KIMBERLY-CLARK CORP Com 494368103 299 2,260 SH   DFND 0 2,200 0 60
KROGER CO Com 501044101 8,549 211,459 SH   SOLE 0 208,859 0 2,600
L3 HARRIS TECHNOLOGIES INC Com 502431109 6,117 27,773 SH   SOLE 0 27,773 0 0
ELI LILLY & CO Com 532457108 773 3,346 SH   SOLE 0 3,346 0 0
ELI LILLY & CO Com 532457108 153 664 SH   DFND 0 664 0 0
LINCOLN ELECTRIC HOLDINGS Com 533900106 6,711 52,110 SH   SOLE 0 51,633 0 477
LOWES COMPANIES INC Com 548661107 10,104 49,806 SH   SOLE 0 49,806 0 0
MSA SAFETY INC Com 553498106 557 3,822 SH   SOLE 0 3,822 0 0
MARKEL CORP Com 570535104 370 310 SH   SOLE 0 310 0 0
MARRIOTT INTERNATIONAL INC Com 571903202 266 1,794 SH   SOLE 0 1,794 0 0
MASTERCARD INC CL A Com 57636Q104 1,877 5,399 SH   SOLE 0 5,029 0 370
MASTERCARD INC CL A Com 57636Q104 35 100 SH   DFND 0 100 0 0
MCDONALDS CORP Com 580135101 823 3,414 SH   SOLE 0 3,414 0 0
MCDONALDS CORP Com 580135101 217 902 SH   DFND 0 902 0 0
MEDICAL PROPERTIES TRUST INC Com 58463J304 391 19,479 SH   SOLE 0 19,215 0 264
MERCK & CO INC Com 58933Y105 6,862 91,365 SH   SOLE 0 91,256 0 109
MERCK & CO INC Com 58933Y105 166 2,207 SH   DFND 0 1,850 0 357
METLIFE INC Com 59156R108 5,272 85,407 SH   SOLE 0 85,407 0 0
METLIFE INC Com 59156R108 47 760 SH   DFND 0 760 0 0
MICROSOFT CORP Com 594918104 41,589 147,520 SH   SOLE 0 146,191 0 1,329
MICROSOFT CORP Com 594918104 1,467 5,204 SH   DFND 0 5,070 0 134
MONDELEZ INTERNATIONAL INC A Com 609207105 439 7,552 SH   SOLE 0 7,552 0 0
MONDELEZ INTERNATIONAL INC A Com 609207105 47 800 SH   DFND 0 800 0 0
MORGAN STANLEY Com 617446448 480 4,934 SH   SOLE 0 4,934 0 0
NASDAQ INC Com 631103108 306 1,587 SH   SOLE 0 1,587 0 0
NASDAQ INC Com 631103108 116 600 SH   DFND 0 600 0 0
NEXTERA ENERGY INC Com 65339F101 4,065 51,771 SH   SOLE 0 51,771 0 0
NIKE INC CLASS B Com 654106103 3,397 23,390 SH   SOLE 0 23,390 0 0
NIKE INC CLASS B Com 654106103 15 100 SH   DFND 0 100 0 0
NORFOLK SOUTHERN CORP Com 655844108 300 1,254 SH   SOLE 0 1,254 0 0
NORFOLK SOUTHERN CORP Com 655844108 24 100 SH   DFND 0 100 0 0
NORTONLIFELOCK INC Com 668771108 722 28,545 SH   SOLE 0 28,144 0 401
NOVARTIS AG ADR Com 66987V109 258 3,154 SH   SOLE 0 3,154 0 0
NOVARTIS AG ADR Com 66987V109 55 673 SH   DFND 0 673 0 0
NOVO-NORDISK A/S SPONS ADR Com 670100205 112 1,170 SH   SOLE 0 1,170 0 0
NOVO-NORDISK A/S SPONS ADR Com 670100205 134 1,400 SH   DFND 0 1,400 0 0
NUANCE COMMUNICATIONS INC Com 67020Y100 533 9,678 SH   SOLE 0 9,198 0 480
NVIDIA CORP Com 67066G104 406 1,960 SH   SOLE 0 1,960 0 0
NUVEEN MUNI VALUE FUND Com 670928100 23 2,000 SH   SOLE 0 2,000 0 0
NUVEEN MUNI VALUE FUND Com 670928100 440 38,870 SH   DFND 0 38,870 0 0
ORACLE CORPORATION Com 68389X105 14,427 165,579 SH   SOLE 0 164,482 0 1,097
ORACLE CORPORATION Com 68389X105 50 577 SH   DFND 0 438 0 139
ORGANON & CO Com 68622V106 246 7,489 SH   SOLE 0 7,484 0 5
ORGANON & CO Com 68622V106 7 220 SH   DFND 0 185 0 35
PNC FINANCIAL SERVICES GROUP Com 693475105 5,857 29,936 SH   SOLE 0 29,306 0 630
PNC FINANCIAL SERVICES GROUP Com 693475105 12 62 SH   DFND 0 62 0 0
PPL CORP Com 69351T106 326 11,700 SH   SOLE 0 11,700 0 0
PPL CORP Com 69351T106 31 1,100 SH   DFND 0 1,100 0 0
PEPSICO INC Com 713448108 2,909 19,338 SH   SOLE 0 19,338 0 0
PEPSICO INC Com 713448108 655 4,354 SH   DFND 0 4,354 0 0
PFIZER INC Com 717081103 14,781 343,673 SH   SOLE 0 341,455 0 2,218
PFIZER INC Com 717081103 705 16,392 SH   DFND 0 16,392 0 0
PHILIP MORRIS INTERNATIONAL INC Com 718172109 1,160 12,234 SH   SOLE 0 12,234 0 0
PROCTER & GAMBLE CO Com 742718109 10,176 72,791 SH   SOLE 0 72,591 0 200
PROCTER & GAMBLE CO Com 742718109 705 5,042 SH   DFND 0 3,970 0 1,072
PUBLIC SERVICE ENTERPRISE GROUP Com 744573106 12,122 199,046 SH   SOLE 0 197,390 0 1,656
RAYTHEON TECHNOLOGIES CORP Com 75513E101 1,665 19,364 SH   SOLE 0 19,364 0 0
RAYTHEON TECHNOLOGIES CORP Com 75513E101 34 400 SH   DFND 0 400 0 0
REGENERON PHARMACEUTICALS INC Com 75886F107 4,797 7,926 SH   SOLE 0 7,855 0 71
ROPER TECHNOLOGIES, INC Com 776696106 446 1,000 SH   SOLE 0 1,000 0 0
ROYAL DUTCH SHELL PLC ADR A Com 780259206 80 1,786 SH   SOLE 0 1,786 0 0
ROYAL DUTCH SHELL PLC ADR A Com 780259206 200 4,483 SH   DFND 0 4,483 0 0
S&P GLOBAL INC Com 78409V104 340 800 SH   SOLE 0 800 0 0
SPDR S&P500 ETF Com 78462F103 5,137 11,970 SH   SOLE 0 11,970 0 0
SPDR GOLD SHARES ETF Com 78463V107 348 2,118 SH   SOLE 0 2,118 0 0
SPDR S&P DIVIDEND ETF Com 78464A763 3,768 32,058 SH   SOLE 0 32,058 0 0
SPDR S&P MIDCAP 400 ETF TRUST Com 78467Y107 221 459 SH   SOLE 0 459 0 0
SALESFORCE.COM INC Com 79466L302 356 1,314 SH   SOLE 0 1,314 0 0
SANOFI ADR Com 80105N105 3,043 63,130 SH   SOLE 0 63,130 0 0
SANOFI ADR Com 80105N105 32 671 SH   DFND 0 671 0 0
CHARLES SCHWAB CORP Com 808513105 10,420 143,047 SH   SOLE 0 142,297 0 750
CHARLES SCHWAB CORP Com 808513105 62 845 SH   DFND 0 0 0 845
SCHWAB US MID CAP ETF Com 808524508 455 5,936 SH   SOLE 0 5,936 0 0
SCHWAB US SMALL CAP ETF Com 808524607 320 3,201 SH   SOLE 0 3,201 0 0
SCHWAB EMERGING MKTS EQUITY ETF Com 808524706 305 10,000 SH   SOLE 0 10,000 0 0
SCHWAB US DIVIDEND EQUITY ETF Com 808524797 2,138 28,797 SH   SOLE 0 28,797 0 0
MATERIALS SELECT SECTOR SPDR ETF Com 81369Y100 240 3,028 SH   SOLE 0 3,028 0 0
HEALTH CARE SEL SECT SPDR ETF Com 81369Y209 1,624 12,761 SH   SOLE 0 12,761 0 0
CONSUMER STAPLES SELECT SECTOR SPDR ETF Com 81369Y308 6,615 96,096 SH   SOLE 0 94,801 0 1,295
CONSUMER STAPLES SELECT SECTOR SPDR ETF Com 81369Y308 17 240 SH   DFND 0 200 0 40
CONSUMER DISC SELECT SECTOR SPDR ETF Com 81369Y407 3,331 18,563 SH   SOLE 0 18,563 0 0
CONSUMER DISC SELECT SECTOR SPDR ETF Com 81369Y407 36 200 SH   DFND 0 200 0 0
FINANCIAL SELECT SECTOR SPDR ETF Com 81369Y605 7,247 193,090 SH   SOLE 0 193,090 0 0
INDUSTRIAL SELECT SECTOR SPDR ETF Com 81369Y704 672 6,866 SH   SOLE 0 6,866 0 0
TECHNOLOGY SELECT SECT SPDR ETF Com 81369Y803 4,307 28,841 SH   SOLE 0 28,841 0 0
SEMPRA ENERGY Com 816851109 210 1,660 SH   SOLE 0 1,660 0 0
SEMPRA ENERGY Com 816851109 25 200 SH   DFND 0 200 0 0
SKYWORKS SOLUTIONS INC Com 83088M102 5,206 31,596 SH   SOLE 0 31,296 0 300
SKYWORKS SOLUTIONS INC Com 83088M102 5 28 SH   DFND 0 0 0 28
SPROTT PHYSICAL GOLD TRUST Com 85207H104 167 12,131 SH   SOLE 0 12,131 0 0
STARBUCKS CORP Com 855244109 7,734 70,107 SH   SOLE 0 69,710 0 397
STARBUCKS CORP Com 855244109 52 471 SH   DFND 0 400 0 71
STRYKER CORP Com 863667101 5,988 22,706 SH   SOLE 0 22,506 0 200
SYSCO CORPORATION Com 871829107 339 4,322 SH   SOLE 0 4,322 0 0
SYSCO CORPORATION Com 871829107 314 4,000 SH   DFND 0 4,000 0 0
TJX COMPANIES INC Com 872540109 8,654 131,162 SH   SOLE 0 128,396 0 2,766
TJX COMPANIES INC Com 872540109 53 800 SH   DFND 0 190 0 610
TAIWAN SEMICONDUCTOR MANUFACTURING ADR Com 874039100 260 2,325 SH   SOLE 0 2,325 0 0
TAIWAN SEMICONDUCTOR MANUFACTURING ADR Com 874039100 112 1,000 SH   DFND 0 1,000 0 0
TARGET CORP Com 87612E106 9,952 43,504 SH   SOLE 0 43,504 0 0
TARGET CORP Com 87612E106 392 1,715 SH   DFND 0 1,715 0 0
TETRA TECH INC Com 88162G103 604 4,047 SH   SOLE 0 4,047 0 0
TEXAS INSTRUMENTS INC Com 882508104 7,389 38,444 SH   SOLE 0 38,444 0 0
TEXAS INSTRUMENTS INC Com 882508104 186 970 SH   DFND 0 970 0 0
THERMO FISHER SCIENTIFIC Com 883556102 1,435 2,511 SH   SOLE 0 2,511 0 0
THERMO FISHER SCIENTIFIC Com 883556102 25 43 SH   DFND 0 43 0 0
3M CO Com 88579Y101 2,132 12,155 SH   SOLE 0 12,155 0 0
3M CO Com 88579Y101 26 150 SH   DFND 0 150 0 0
TRAVELERS COS INC Com 89417E109 461 3,031 SH   SOLE 0 3,031 0 0
TRUIST FINANCIAL CORP Com 89832Q109 15,640 266,667 SH   SOLE 0 266,020 0 647
TRUIST FINANCIAL CORP Com 89832Q109 254 4,331 SH   DFND 0 4,172 0 159
UNILEVER PLC SPON ADR Com 904767704 278 5,128 SH   SOLE 0 5,128 0 0
UNION PACIFIC CORP Com 907818108 1,359 6,935 SH   SOLE 0 6,935 0 0
UNION PACIFIC CORP Com 907818108 176 900 SH   DFND 0 900 0 0
UNITED PARCEL SERVICE INC Com 911312106 292 1,601 SH   SOLE 0 1,601 0 0
UNITED PARCEL SERVICE INC Com 911312106 127 700 SH   DFND 0 700 0 0
UNITEDHEALTH GROUP INC Com 91324P102 9,910 25,363 SH   SOLE 0 25,001 0 362
UNITEDHEALTH GROUP INC Com 91324P102 50 129 SH   DFND 0 0 0 129
VANECK VECTORS LOW CARBON ENERGY ETF Com 92189F502 450 3,018 SH   SOLE 0 2,938 0 80
VANGUARD DIVIDEND APPREC ETF Com 921908844 9,686 63,058 SH   SOLE 0 63,058 0 0
VANGUARD TOTAL INTL STOCK ETF Com 921909768 253 4,000 SH   SOLE 0 4,000 0 0
VANGUARD ESG INTL STOCK ETF Com 921910725 1,335 21,627 SH   SOLE 0 21,470 0 157
VANGUARD FTSE DEV MKT ETF Com 921943858 228 4,516 SH   SOLE 0 4,516 0 0
VANGUARD HIGH DIVIDEND YIELD ETF Com 921946406 1,360 13,164 SH   SOLE 0 13,164 0 0
VANGUARD SHORT TERM TIPS ETF Com 922020805 2,331 44,326 SH   SOLE 0 44,326 0 0
VANGUARD FTSE EMERGING MARKETS ETF Com 922042858 266 5,328 SH   SOLE 0 5,328 0 0
VANGUARD FTSE EMERGING MARKETS ETF Com 922042858 10 200 SH   DFND 0 200 0 0
VANGUARD FTSE PACIFIC ETF Com 922042866 6,332 78,130 SH   SOLE 0 77,549 0 581
VANGUARD FTSE PACIFIC ETF Com 922042866 7 83 SH   DFND 0 0 0 83
VANGUARD FTSE EUROPE ETF Com 922042874 6,619 100,884 SH   SOLE 0 100,584 0 300
VANGUARD FTSE EUROPE ETF Com 922042874 3 45 SH   DFND 0 0 0 45
VANGUARD FINANCIALS ETF Com 92204A405 262 2,830 SH   SOLE 0 2,830 0 0
VANGUARD HEALTH CARE ETF Com 92204A504 273 1,106 SH   SOLE 0 1,106 0 0
VANGUARD INDUSTRIALS ETF Com 92204A603 7,541 40,134 SH   SOLE 0 39,516 0 618
VANGUARD INDUSTRIALS ETF Com 92204A603 21 110 SH   DFND 0 64 0 46
VANGUARD INFO TECH ETF Com 92204A702 1,101 2,744 SH   SOLE 0 2,744 0 0
VANGUARD S&P 500 ETF Com 922908363 363 921 SH   SOLE 0 921 0 0
VANGUARD MID CAP VALUE ETF Com 922908512 14,211 101,793 SH   SOLE 0 101,052 0 741
VANGUARD MID CAP VALUE ETF Com 922908512 126 902 SH   DFND 0 652 0 250
VANGUARD MID CAP GROWTH ETF Com 922908538 1,113 4,710 SH   SOLE 0 4,630 0 80
VANGUARD MID CAP GROWTH ETF Com 922908538 91 385 SH   DFND 0 385 0 0
VANGUARD REIT INDEX ETF Com 922908553 551 5,411 SH   SOLE 0 5,411 0 0
VANGUARD REIT INDEX ETF Com 922908553 179 1,755 SH   DFND 0 1,755 0 0
VANGUARD MID CAP ETF Com 922908629 317 1,338 SH   SOLE 0 1,338 0 0
VANGUARD LARGE CAP ETF Com 922908637 13,421 66,799 SH   SOLE 0 66,799 0 0
VANGUARD GROWTH ETF Com 922908736 261 900 SH   SOLE 0 900 0 0
VANGUARD TOTAL STOCK MKT ETF Com 922908769 9,407 42,361 SH   SOLE 0 42,361 0 0
VERIZON COMMUNICATIONS Com 92343V104 6,108 113,086 SH   SOLE 0 113,086 0 0
VERIZON COMMUNICATIONS Com 92343V104 407 7,533 SH   DFND 0 7,533 0 0
VISA INC Com 92826C839 11,407 51,211 SH   SOLE 0 50,961 0 250
VISA INC Com 92826C839 190 851 SH   DFND 0 772 0 79
WEC ENERGY GROUP INC Com 92939U106 663 7,519 SH   SOLE 0 7,437 0 82
WEC ENERGY GROUP INC Com 92939U106 26 300 SH   DFND 0 300 0 0
WALMART STORES INC Com 931142103 1,969 14,124 SH   SOLE 0 14,124 0 0
WALMART STORES INC Com 931142103 248 1,782 SH   DFND 0 1,743 0 39
WASTE MANAGEMENT Com 94106L109 335 2,246 SH   SOLE 0 2,246 0 0
WATTS WATER TECHNOLOGIES-A Com 942749102 984 5,853 SH   SOLE 0 5,743 0 110
XYLEM INC Com 98419M100 748 6,045 SH   SOLE 0 5,960 0 85
YUM BRANDS INC Com 988498101 149 1,215 SH   SOLE 0 1,215 0 0
YUM BRANDS INC Com 988498101 86 700 SH   DFND 0 700 0 0
ACCENTURE PLC Com G1151C101 11,476 35,873 SH   SOLE 0 35,371 0 502
ACCENTURE PLC Com G1151C101 13 40 SH   DFND 0 40 0 0
EATON CORP PLC Com G29183103 8,795 58,907 SH   SOLE 0 58,222 0 685
EATON CORP PLC Com G29183103 125 837 SH   DFND 0 837 0 0
JOHNSON CONTROLS INTERNATIONAL PLC Com G51502105 3,807 55,919 SH   SOLE 0 55,769 0 150
LINDE PLC Com G5494J103 682 2,323 SH   SOLE 0 2,323 0 0
LINDE PLC Com G5494J103 66 225 SH   DFND 0 225 0 0
MEDTRONIC PLC Com G5960L103 8,774 69,996 SH   SOLE 0 69,401 0 595
MEDTRONIC PLC Com G5960L103 18 143 SH   DFND 0 0 0 143
SENSATA TECHNOLOGIES HOLDING PLC Com G8060N102 421 7,702 SH   SOLE 0 7,552 0 150
TRANE TECHNOLOGIES PUBLIC LTD CO Com G8994E103 354 2,050 SH   SOLE 0 2,050 0 0
TRANE TECHNOLOGIES PUBLIC LTD CO Com G8994E103 863 5,000 SH   DFND 0 5,000 0 0