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
3M COMPANY COM 88579Y101 7,817 52,504 SH   DFND   41,197 0 11,307
ABBOTT LABS COM 002824100 10,858 91,733 SH   DFND   84,758 0 6,975
ABBVIE INC. COM 00287Y109 16,171 99,753 SH   DFND   81,271 0 18,482
ACCENTURE LTD SHS CLASS A G1151C101 254,594 754,956 SH   DFND   642,615 452 111,889
ADOBE SYSTEMS COM 00724F101 1,148 2,520 SH   DFND   1,775 0 745
AFLAC COM 001055102 1,850 28,738 SH   DFND   25,028 0 3,710
AIR PRODUCTS & CHEMICALS INC COM 009158106 102,972 412,035 SH   DFND   367,160 207 44,668
ALCON AG ORD SHS H01301128 339 4,275 SH   DFND   4,275 0 0
ALPHABET INC - CL A CAP STK CL A 02079K305 7,618 2,739 SH   DFND   2,661 0 78
ALPHABET INC CL C CAP STK CL C 02079K107 10,960 3,924 SH   DFND   3,781 0 143
ALTRIA GROUP INC COM COM 02209S103 3,757 71,896 SH   DFND   71,374 0 522
AMAZON.COM INC COM 023135106 10,363 3,179 SH   DFND   2,360 0 819
AMERICAN ELECTRIC POWER COM 025537101 14,995 150,298 SH   DFND   144,615 0 5,683
AMERICAN EXPRESS CO COM 025816109 3,900 20,856 SH   DFND   18,121 0 2,735
AMERICAN TOWER CORP COM 03027X100 55,630 221,438 SH   DFND   219,886 301 1,251
AMERICAN WTR WK COM 030420103 638 3,856 SH   DFND   1,575 0 2,281
AMERISOURCEBERGEN CORP COM 03073E105 233 1,503 SH   DFND   1,422 0 81
AMETEK INC COM 031100100 395 2,966 SH   DFND   2,966 0 0
AMGEN INC COM 031162100 10,521 43,509 SH   DFND   41,848 0 1,661
ANALOG DEVICES COM 032654105 330 1,995 SH   DFND   1,995 0 0
ANTHEM INC COM 036752103 1,781 3,626 SH   DFND   3,626 0 0
AON PLC SHS CL A G0403H108 902 2,771 SH   DFND   2,771 0 0
APPLE INC COM 037833100 459,573 2,631,996 SH   DFND   2,314,686 1,884 315,426
ARCHER DANIELS MIDLAND COM 039483102 237 2,625 SH   DFND   2,625 0 0
ASTRA ZENECA PLC ADR SPONSORED ADR 046353108 437 6,588 SH   DFND   6,588 0 0
AT&T INC COM 00206R102 2,303 97,482 SH   DFND   94,532 0 2,950
AUTODESK INC COM 052769106 216 1,009 SH   DFND   431 0 578
AUTOMATIC DATA PROCESSING COM 053015103 69,844 306,951 SH   DFND   302,296 240 4,415
BANK NEW YORK MELLON CORP COM 064058100 218 4,401 SH   DFND   4,149 0 252
BANK OF AMERICA COM 060505104 930 22,552 SH   DFND   22,552 0 0
BAXTER INTL INC COM 071813109 141,622 1,826,434 SH   DFND   1,623,389 1,058 201,987
BECTON DICKINSON COM 075887109 138,342 520,085 SH   DFND   447,512 403 72,170
BERKSHIRE HATHAWAY INC DEL CL A 084670108 21,686 41 SH   DFND   41 0 0
BERKSHIRE HATHAWAY INC DEL CL B CL B NEW 084670702 10,728 30,400 SH   DFND   25,975 0 4,425
BLACKROCK INC COM 09247X101 241,713 316,307 SH   DFND   277,485 164 38,658
BOEING CO COM 097023105 1,440 7,521 SH   DFND   6,568 0 953
BOOKING HOLDINGS INC. COM 09857L108 611 260 SH   DFND   260 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 6,603 90,409 SH   DFND   81,287 0 9,122
BROADCOM LTD COM 11135F101 555 881 SH   DFND   881 0 0
BROWN-FORMAN CORP CL B 115637209 264 3,946 SH   DFND   3,946 0 0
CANADIAN NATL RAILWAY CO COM 136375102 568 4,231 SH   DFND   4,231 0 0
CANADIAN PACIFIC RAILWAY LTD COM 13645T100 1,589 19,250 SH   DFND   19,250 0 0
CARRIER GLOBAL CORP COM 14448C104 310 6,751 SH   DFND   6,751 0 0
CATERPILLAR INC COM 149123101 1,484 6,658 SH   DFND   6,243 0 415
CELANESE CORPORATION COM 150870103 482 3,376 SH   DFND   3,376 0 0
CHEMOURS COMPANY COM 163851108 2,008 63,774 SH   DFND   63,774 0 0
CHEVRON CORPORATION COM 166764100 93,314 573,078 SH   DFND   561,548 364 11,166
CHUBB LTD COM H1467J104 2,430 11,361 SH   DFND   11,266 0 95
CHURCH & DWIGHT CO COM 171340102 1,806 18,177 SH   DFND   18,177 0 0
CIGNA CORP COM 125523100 597 2,492 SH   DFND   2,492 0 0
CINCINNATI FINANCIAL CORP COM 172062101 954 7,017 SH   DFND   7,017 0 0
CINTAS CORP COM 172908105 231 544 SH   DFND   544 0 0
CISCO SYS INC COM 17275R102 74,447 1,335,133 SH   DFND   1,326,382 944 7,807
CLOROX CO COM 189054109 543 3,907 SH   DFND   3,417 0 490
CME GROUP INC. COM CL A 12572Q105 225 944 SH   DFND   944 0 0
COCA-COLA CO COM 191216100 89,024 1,435,869 SH   DFND   1,234,159 385 201,325
COGNIZANT TECH SOLUTIONS - A CL A 192446102 264 2,947 SH   DFND   2,532 160 255
COLGATE-PALMOLIVE CO COM 194162103 4,332 57,127 SH   DFND   46,647 0 10,480
COMCAST CORP NEW COM CL A CL A 20030N101 129,404 2,763,863 SH   DFND   2,355,568 1,387 406,908
COMM SERV SELECT SECTOR SPDR COMMUNICATION 81369Y852 923 13,425 SH   DFND   13,394 0 31
CONOCOPHILLIPS COM 20825C104 2,325 23,251 SH   DFND   21,482 0 1,769
CONSOLIDATED EDISON INC COM 209115104 862 9,102 SH   DFND   9,102 0 0
CONSTELLATION BRANDS INC CL A 21036P108 220 954 SH   DFND   954 0 0
CONSTELLATION ENERGY CORP COM 21037T109 256 4,554 SH   DFND   4,554 0 0
CONSUMER DISCRETIONARY SELECT SBI CONS DISCR 81369Y407 397 2,146 SH   DFND   2,146 0 0
COPART, INC COM 217204106 851 6,783 SH   DFND   6,783 0 0
CORNING INC COM 219350105 433 11,742 SH   DFND   8,242 0 3,500
CORTEVA INC COM 22052L104 7,398 128,702 SH   DFND   128,702 0 0
COSTCO WHSL CORP NEW COM COM 22160K105 147,244 255,699 SH   DFND   226,761 238 28,700
CRANE CO COM 224399105 246 2,270 SH   DFND   2,270 0 0
CUMMINS INC COM 231021106 432 2,104 SH   DFND   1,764 0 340
CVS HEALTH CORPORATION COM 126650100 247,063 2,441,098 SH   DFND   2,174,452 1,364 265,282
DANAHER CORP COM 235851102 4,195 14,300 SH   DFND   14,300 0 0
DEERE & CO. COM 244199105 1,603 3,859 SH   DFND   3,574 0 285
DIAGEO PLC - SPONSORED ADR SPON ADR NEW 25243Q205 5,587 27,502 SH   DFND   27,502 0 0
DIAMONDBACK ENERGY INC COM 25278X109 230 1,676 SH   DFND   1 0 1,675
DIGITAL REALTY TRUST COM 253868103 243 1,712 SH   DFND   1,712 0 0
DIMENSIONSAL U.S. CORE EQUITY 2 ETF US CORE EQUITY 2 25434V708 268 9,708 SH   DFND   9,708 0 0
DISNEY WALT PRODUCTIONS COM DISNEY 254687106 39,301 286,531 SH   DFND   219,302 179 67,050
DOLLAR GENERAL CORP COM 256677105 183,005 822,016 SH   DFND   731,968 537 89,511
DOMINION ENERGY INC COM 25746U109 1,372 16,145 SH   DFND   16,145 0 0
DOVER CORP COM 260003108 456 2,906 SH   DFND   2,906 0 0
DOW INC COM 260557103 33,443 524,842 SH   DFND   524,005 0 837
DTE ENERGY COMPANY COM 233331107 359 2,718 SH   DFND   2,718 0 0
DUKE ENERGY CORP COM NEW 26441C204 1,578 14,135 SH   DFND   13,935 0 200
DUPONT DE NEMOURS INC COM 26614N102 158,087 2,148,501 SH   DFND   1,939,989 1,187 207,325
EASTMAN CHEM CO COM 277432100 444 3,966 SH   DFND   3,966 0 0
EATON CORP, PLC SHS G29183103 12,879 84,865 SH   DFND   84,520 0 345
ECOLAB INC COM 278865100 80,627 456,654 SH   DFND   409,015 335 47,304
EMERSON ELECTRIC CO COM 291011104 4,833 49,290 SH   DFND   42,287 0 7,003
ENBRIDGE INC. COM 29250N105 278 6,040 SH   DFND   5,390 0 650
ENERGY TRANSFER COM UT LTD PTN 29273V100 1,106 98,819 SH   DFND   98,819 0 0
ENTERPRISE PRODUCTS PARTNERS COM 293792107 2,232 86,469 SH   DFND   78,499 0 7,970
EOG RESOURCES INC COM 26875P101 314 2,634 SH   DFND   0 0 2,634
ESSENTIAL UTILITIES INC COM 29670G102 2,050 40,097 SH   DFND   37,188 0 2,909
ESTEE LAUDER COS INC CL A CL A 518439104 243 892 SH   DFND   892 0 0
EXELON CORP COM 30161N101 651 13,673 SH   DFND   13,673 0 0
EXXON MOBIL CORP COM 30231G102 12,050 145,900 SH   DFND   138,143 0 7,757
FACTSET RESEARCH COM 303075105 309 711 SH   DFND   711 0 0
FASTENAL COMPANY COM 311900104 528 8,888 SH   DFND   8,888 0 0
FEDEX CORP COM 31428X106 761 3,287 SH   DFND   3,287 0 0
FIDELITY NATIONAL INFO SVCS COM 31620M106 546 5,439 SH   DFND   5,439 0 0
FISERV INC COM 337738108 381 3,754 SH   DFND   476 219 3,059
FLEETCOR TECHNOLOGIES INC. COM 339041105 498 2,000 SH   DFND   2,000 0 0
FRANKLIN RES INC COM 354613101 209 7,501 SH   DFND   7,501 0 0
GALLAGHER ARTHUR J & CO COM 363576109 481 2,755 SH   DFND   2,755 0 0
GENERAL DYNAMICS CORP COM 369550108 395 1,636 SH   DFND   1,051 0 585
GENERAL ELECTRIC COM NEW 369604301 483 5,284 SH   DFND   5,284 0 0
GENERAL MILLS INC COM 370334104 874 12,907 SH   DFND   12,907 0 0
GENTEX CORP COM 371901109 261 8,936 SH   DFND   8,936 0 0
GENUINE PARTS CO COM 372460105 20,403 161,904 SH   DFND   160,713 476 715
GILEAD SCIENCES INC COM 375558103 1,864 31,355 SH   DFND   21,874 0 9,481
GLATFELTER CORP COM 377320106 1,308 105,650 SH   DFND   105,650 0 0
GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 5,396 123,874 SH   DFND   47,881 0 75,993
GLOBAL PAYMENTS INC COM 37940X102 206 1,502 SH   DFND   1,083 350 69
GOLDMAN SACHS ACCESS INV GRADE CORP BOND ETF ACCESS INVT GR 381430479 3,011 60,424 SH   DFND   60,424 0 0
GOLDMAN SACHS ACTIVEBETA EMERGING MARKETS ACTIVEBETA EME 381430206 71,000 2,095,630 SH   DFND   2,059,312 1,305 35,013
GOLDMAN SACHS ACTIVEBETA INTERNATIONAL EQUITY ETF ACTIVEBETA INT 381430107 3,216 98,253 SH   DFND   98,253 0 0
GOLDMAN SACHS GROUP INC COM COM 38141G104 532 1,611 SH   DFND   1,251 0 360
GOLDMAN SACHS TREAS ACC ETF ACCES TREASURY 381430529 1,156 11,565 SH   DFND   10,791 0 774
HANOVER FOODS CORP - CL A COM 41078W100 403 7,333 SH   DFND   7,333 0 0
HOME DEPOT INC COM 437076102 35,480 118,533 SH   DFND   117,039 0 1,494
HONEYWELL INTERNATIONAL, INC. COM 438516106 157,450 809,179 SH   DFND   723,308 535 85,336
HUMANA INC COM 444859102 227 522 SH   DFND   177 0 345
ILLINOIS TOOL WKS INC COM 452308109 36,810 175,787 SH   DFND   174,643 199 945
INTEL CORP COM 458140100 7,956 160,531 SH   DFND   159,986 0 545
INTERCONTINENTAL EXCHANGE COM 45866F104 87,650 663,415 SH   DFND   613,398 610 49,407
INTERNATIONAL BUSINESS MACHINES COM 459200101 1,596 12,274 SH   DFND   12,274 0 0
INTL FLAVORS & FRAGRANCES COM 459506101 2,278 17,344 SH   DFND   17,344 0 0
INTUIT INC COM 461202103 700 1,455 SH   DFND   1,455 0 0
INVESCO QQQ TRUST SERIES 1 UNIT SER 1 46090E103 13,811 38,094 SH   DFND   37,730 0 364
INVESCO S&P 500 EQUAL WEIGHT S&P500 EQL TEC 46137V282 318 1,100 SH   DFND   1,100 0 0
INVESCO S&P 500 EQUAL WEIGHT ETF S&P500 EQL WGT 46137V357 17,210 109,127 SH   DFND   107,157 0 1,970
INVESCO TAXABLE MUNICIPAL BOND PORTFOLIO TAXABLE MUN BD 46138G805 17,405 586,612 SH   DFND   578,904 1,827 5,881
ISHARES 0-5 YEAR TIPS BOND ETF 0-5 YR TIPS ETF 46429B747 14,239 135,689 SH   DFND   134,979 380 330
ISHARES BARCLAYS 7-10 YEAR TREASURY BOND FUND 7-10 Y TR BD ETF 464287440 787 7,324 SH   DFND   6,544 0 780
ISHARES BARCLAYS INTERMEDIATE GOVERNMENT/CREDIT BO INTRM GOV/CR ETF 464288612 519 4,786 SH   DFND   4,786 0 0
ISHARES BARCLAYS MBS BOND FUND MBS ETF 464288588 67,316 660,807 SH   DFND   650,886 342 9,579
ISHARES CORE DIVIDEND GROWTH ETF CORE DIV GRWTH 46434V621 1,890 35,385 SH   DFND   33,385 0 2,000
ISHARES CORE MSCI ACMI CORE MSCI TOTAL 46432F834 1,539 23,108 SH   DFND   23,108 0 0
ISHARES CORE MSCI EAFE ETF CORE MSCI EAFE 46432F842 154,490 2,222,563 SH   DFND   2,113,982 2,162 106,419
ISHARES CORE MSCI EMERGING MARKETS ETF CORE MSCI EMKT 46434G103 298,400 5,371,739 SH   DFND   5,222,320 6,448 142,972
ISHARES CORE S&P 500 ETF CORE S&P ETF 464287200 126,301 278,387 SH   DFND   276,140 171 2,076
ISHARES CORE S&P MID-CAP ETF CORE S&P MCP ETF 464287507 129,134 481,233 SH   DFND   471,077 479 9,677
ISHARES CORE S&P SMALL-CAP ETF CORE S&P SCP ETF 464287804 219,924 2,038,602 SH   DFND   1,987,870 2,109 48,623
ISHARES CORE TOTAL U.S. BOND MARKET ETF CORE US AGGBD ET 464287226 10,690 99,815 SH   DFND   99,815 0 0
ISHARES DJ SELECT DIVIDEND INDEX FUND SELECT DIVID ETF 464287168 3,066 23,932 SH   DFND   23,932 0 0
ISHARES DJ US HEALTH CARE SECTOR INDEX FUND US HLTHCARE ETF 464287762 220 763 SH   DFND   763 0 0
ISHARES DJ US TECHNOLOGY SECTOR INDEX FUND U.S. TECH ETF 464287721 1,140 11,065 SH   DFND   11,065 0 0
ISHARES DOW JONES INTERNATIONAL SELECT DIVIDEND IN INTL SEL DIV ETF 464288448 549 17,278 SH   DFND   17,278 0 0
ISHARES EDGE MSCI USA MOMENT MSCI USA MMENTM 46432F396 4,574 27,181 SH   DFND   27,181 0 0
ISHARES ESG MSCI USA SMALL- CAP ESG AWARE MSCI 46435U663 918 24,123 SH   DFND   24,123 0 0
ISHARES FLOATING RATE BOND E FLTG RATE NT ETF 46429B655 38,271 757,546 SH   DFND   748,311 645 8,590
iSHARES GLOBAL TECH ETF GLOBAL TECH ETF 464287291 321 5,527 SH   DFND   5,527 0 0
ISHARES IBOXX $ INVESTOP INVESTMENT GRADE BOND FUN IBOXX INV CP ETF 464287242 542 4,484 SH   DFND   4,484 0 0
ISHARES IBOXX HIGH YIELD CORPORATE BOND ETF IBOXX HI YD ETF 464288513 413 5,023 SH   DFND   5,023 0 0
ISHARES INTERMEDIATE TERM CORP BOND ETF INTERM CR BD ETF 464288638 42,339 771,626 SH   DFND   760,092 768 10,766
ISHARES LONG TERM CORP BOND ETF 10+ YR CR BD ETF 464289511 240 3,910 SH   DFND   3,910 0 0
ISHARES MORNINGSTAR MID-CAP ETF MRGSTR MD CP ETF 464288208 439 6,517 SH   DFND   6,517 0 0
ISHARES MSC EAFE ESG ESG AW MSCI EAFE 46435G516 411 5,575 SH   DFND   5,575 0 0
ISHARES MSCI ACWI ETF MSCI ACWI ETF 464288257 1,453 14,559 SH   DFND   14,559 0 0
ISHARES MSCI EAFE GROWTH INDEX FUND EAFE GRWTH ETF 464288885 1,405 14,593 SH   DFND   8,189 0 6,404
ISHARES MSCI EAFE INDEX FUND MSCI EAFE ETF 464287465 1,027 13,960 SH   DFND   13,960 0 0
ISHARES MSCI EAFE VALUE INDEX FUND EAFE VALUE ETF 464288877 407 8,094 SH   DFND   2,984 0 5,110
ISHARES MSCI EM ESG OP ESG AWR MSCI EM 46434G863 1,084 29,515 SH   DFND   29,515 0 0
ISHARES MSCI EMERGING MARKETS INDEX FUND MSCI EMG MKT ETF 464287234 853 18,886 SH   DFND   17,886 0 1,000
ISHARES MSCI EMERGING MARKETS MINIMUM VOLATILITY I EM MK MINVOL ETF 464286533 1,678 27,500 SH   DFND   27,500 0 0
ISHARES MSCI USA MINIMUM VOL MSCI USA MIN VOL 46429B697 6,926 89,289 SH   DFND   5,909 0 83,380
ISHARES NATIONAL AMT-FREE MUNICIPAL BOND FUND NAT AMT FREE BD 464288414 575 5,240 SH   DFND   5,240 0 0
ISHARES NORTH AMERICAN TECH-SOFTWARE ETF EXPANDED TECH 464287515 336 975 SH   DFND   975 0 0
ISHARES RUSSELL 1000 GROWTH INDEX FUND RUS 1000 GRW ETF 464287614 16,292 58,681 SH   DFND   31,970 0 26,711
ISHARES RUSSELL 1000 INDEX FUND RUS 1000 ETF 464287622 412 1,649 SH   DFND   1,649 0 0
ISHARES RUSSELL 1000 VALUE INDEX FUND RUS 1000 VAL ETF 464287598 14,279 86,029 SH   DFND   36,053 0 49,976
ISHARES RUSSELL 2000 GROWTH INDEX FUND RUS 2000 GRW ETF 464287648 2,056 8,039 SH   DFND   5,604 0 2,435
ISHARES RUSSELL 2000 INDEX FUND RUSSELL 2000 ETF 464287655 2,332 11,361 SH   DFND   11,081 0 280
ISHARES RUSSELL 2000 VALUE INDEX FUND RUS 2000 VAL ETF 464287630 1,217 7,543 SH   DFND   600 0 6,943
ISHARES RUSSELL 3000 INDEX FUND RUSSELL 3000 ETF 464287689 367 1,400 SH   DFND   1,400 0 0
ISHARES RUSSELL MID CAP GROWTH INDEX FUND RUS MDCP VAL ETF 464287481 1,878 18,689 SH   DFND   18,689 0 0
ISHARES RUSSELL MID CAP INDEX FUND RUS MID-CAP ETF 464287499 1,257 16,101 SH   DFND   16,101 0 0
ISHARES RUSSELL MID CAP VALUE INDEX FUND RUS MDCP VAL ETF 464287473 723 6,040 SH   DFND   6,040 0 0
ISHARES S&P 500 GROWTH INDEX FUND S&P 500 GRWT ETF 464287309 3,065 40,132 SH   DFND   40,132 0 0
ISHARES S&P 500 VALUE ETF S&P 500 VAL ETF 464287408 328 2,108 SH   DFND   2,108 0 0
ISHARES S&P MID CAP 400 GROWTH INDEX FUND S&P MC 400GR ETF 464287606 236 3,052 SH   DFND   3,052 0 0
ISHARES S&P MID CAP 400 VALUE INDEX FUND S&P MC 400VL ETF 464287705 266 2,430 SH   DFND   2,430 0 0
ISHARES S&P SHORT TERM NATIONAL AMT-FREE MUNICIPAL SHRT NAT MUN ETF 464288158 1,132 10,819 SH   DFND   10,819 0 0
ISHARES S&P US PREFERRED STOCK INDEX FUND U.S. PFD STK ETF 464288687 1,490 40,915 SH   DFND   40,915 0 0
ISHARES SHORT MATURITY BOND SHT MAT BD ETF 46431W507 285 5,750 SH   DFND   5,750 0 0
ISHARES SHORT-TERM CORPORATE BOND ETF 1-3 YR CR BD ETF 464288646 79,062 1,528,655 SH   DFND   1,508,124 1,773 18,758
ISHARES SILVER TRUST ISHARES 46428Q109 206 9,000 SH   DFND   9,000 0 0
ISHARES TIPS BOND ETF TIPS BD ETF 464287176 51,859 416,307 SH   DFND   411,218 125 4,964
ISHARES TR ESG AWR MSCI USA 46435G425 340 3,350 SH   DFND   3,350 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 316 3,797 SH   DFND   3,297 0 500
ISHARES TR 3 7 YR TREAS BD 464288661 18,769 153,782 SH   DFND   151,937 385 1,460
ISHARES TRUST ISHARES MSCI ACWI EX US INDEX FUND MSCI ACWI US ETF 464288240 7,234 138,399 SH   DFND   137,429 0 970
ISHARES ULTRA SHORT-TERM BOND ULTR SH TRM BD 46434V878 18,135 361,612 SH   DFND   267,237 0 94,375
ISHARES US HEALTH CARE PROVIDERS ETF US HLTHCR PR ETF 464288828 417 1,473 SH   DFND   1,473 0 0
ISHARES US TREASURY BOND ETF US TREAS BD ETF 46429B267 555 22,263 SH   DFND   22,263 0 0
J.P. MORGAN CHASE & CO COM 46625H100 219,825 1,612,562 SH   DFND   1,432,530 961 179,071
JACK HENRY & ASSOCIATES INC. COM 426281101 788 4,000 SH   DFND   3,700 300 0
JOHNSON & JOHNSON COM 478160104 230,822 1,302,388 SH   DFND   1,157,626 886 143,876
JOHNSON CONTROLS INTERNATIONAL PLC SHS G51502105 13,070 199,329 SH   DFND   197,990 0 1,339
JP MORGAN EQUITY PREMIUM INCOME ETF EQUITY PREMIUM 46641Q332 1,280 20,855 SH   DFND   1,865 0 18,990
JPM DIVERSIFIED RET INTL EQ DIV RTN INT EQ 46641Q209 398 7,042 SH   DFND   7,042 0 0
KIMBERLY CLARK CORP COM 494368103 5,141 41,743 SH   DFND   33,203 0 8,540
KINDER MORGAN INC DEL COM 49456B101 485 25,643 SH   DFND   25,643 0 0
KLA CORP COM NEW 482480100 229 626 SH   DFND   621 0 5
KROGER CO COM 501044101 446 7,774 SH   DFND   7,660 0 114
LAM RESEARCH CP COM 512807108 227 423 SH   DFND   423 0 0
LILLY, ELI & COMPANY COM 532457108 1,747 6,101 SH   DFND   5,921 0 180
LINDE PLC COM G5494J103 1,409 4,411 SH   DFND   4,109 0 302
LITHIA MOTORS INC CL A CL A 536797103 429 1,430 SH   DFND   1,430 0 0
LOCKHEED MARTIN CORP COM 539830109 27,727 62,816 SH   DFND   61,920 0 896
LOWES COS INC COM 548661107 219,517 1,085,698 SH   DFND   943,931 505 141,262
M & T BK CORP COM 55261F104 744 4,391 SH   DFND   4,391 0 0
MAGELLAN MIDSTREAM PARTNERS COM UNIT RP LP 559080106 326 6,650 SH   DFND   6,650 0 0
MARATHON PETROLEUM CORP COM 56585A102 427 4,999 SH   DFND   4,999 0 0
MARRIOTT INTL INC NEW CL A CL A 571903202 786 4,471 SH   DFND   4,471 0 0
MASCO CORP COM 574599106 505 9,896 SH   DFND   9,896 0 0
MASTERCARD CLA 57636Q104 229,295 641,600 SH   DFND   553,644 410 87,546
MAXIMUS INC COM 577933104 241 3,212 SH   DFND   3,212 0 0
MCCORMICK & CO COM NON VTG 579780206 30,513 305,746 SH   DFND   303,686 350 1,710
MCDONALDS CORP COM 580135101 66,869 270,417 SH   DFND   250,835 311 19,271
MCKESSON HBOC INC. COM 58155Q103 682 2,227 SH   DFND   2,187 0 40
MEDTRONIC PLC SHS G5960L103 112,783 1,016,525 SH   DFND   933,306 738 82,481
MERCK & CO COM 58933Y105 79,051 963,452 SH   DFND   949,876 888 12,688
META PLATFORMS, INC. CLASS A CL A 30303M102 1,484 6,676 SH   DFND   6,461 0 215
MICROCHIP TECHNOLOGY COM 595017104 695 9,246 SH   DFND   9,107 0 139
MICROSOFT CORP COM 594918104 408,595 1,325,272 SH   DFND   1,200,600 830 123,842
MIDCAP SPDR TRUST SERIES 1 UTSER1 S&PDCRP 78467Y107 1,827 3,726 SH   DFND   3,376 0 350
MONDELEZ INTERNATIONAL INC CL A CL A 609207105 1,106 17,622 SH   DFND   17,517 0 105
NESTLE S A SPON ADR REG COM 641069406 4,563 35,074 SH   DFND   29,987 0 5,087
NEXTERA ENERGY INC COM 65339F101 8,850 104,475 SH   DFND   104,475 0 0
NIKE INC CL B CL B 654106103 50,027 371,783 SH   DFND   335,331 155 36,297
NORFOLK SOUTHERN CORP COM 655844108 5,041 17,674 SH   DFND   17,229 0 445
NORTHERN TR CORP COM 665859104 1,038 8,911 SH   DFND   4,361 0 4,550
NORTHROP GRUMMAN CORP COM 666807102 977 2,185 SH   DFND   2,185 0 0
NOVARTIS AG - ADR SPONSORED ADR 66987V109 2,858 32,565 SH   DFND   32,565 0 0
NOVO-NORDISK A/S SPONS ADR ADR 670100205 1,331 11,989 SH   DFND   11,989 0 0
NUVEEN ESG EMERGING MARKETS NUVEEN ESG EMRGN 67092P888 655 21,500 SH   DFND   21,500 0 0
NUVEEN MA QUALITY MUNI INC FD COM 67061E104 350 27,500 SH   DFND   27,500 0 0
NUVEEN PA INVT QUALITY MUN FD COM 670972108 199 14,765 SH   DFND   14,765 0 0
NVIDIA CORP COM 67066G104 708 2,594 SH   DFND   2,594 0 0
ORACLE SYS CORP COM 68389X105 130,048 1,571,954 SH   DFND   1,369,852 786 201,316
OTIS WORLDWIDE CORP COM 68902V107 228 2,963 SH   DFND   2,963 0 0
PARKER-HANNIFIN CORP COM 701094104 513 1,808 SH   DFND   1,391 0 417
PAYCHEX INC COM 704326107 1,037 7,598 SH   DFND   4,318 0 3,280
PAYPAL HOLDINGS, INC. COM 70450Y103 1,302 11,255 SH   DFND   8,980 175 2,100
PEPSICO INC COM 713448108 214,874 1,283,751 SH   DFND   1,133,929 512 149,310
PFIZER INC COM 717081103 29,093 561,973 SH   DFND   549,856 0 12,117
PHILIP MORRIS INTL,INC COM 718172109 24,395 259,687 SH   DFND   258,407 0 1,280
PHILLIPS 66 COM 718546104 781 9,045 SH   DFND   8,823 0 222
PIMCO ENHANCED SHORT MATURITY ETF ENHAN SHRT MA AC 72201R833 209 2,090 SH   DFND   0 0 2,090
PIONEER NATURAL RESOUCES CO COM 723787107 247 986 SH   DFND   986 0 0
PNC FINANCIAL CORP COM 693475105 2,018 10,938 SH   DFND   10,338 0 600
POWERSHARES FTSE RAFI US 1K FTSE RAFI 1000 46137V613 3,089 18,079 SH   DFND   2,470 0 15,609
PPG INDS INC COM 693506107 798 6,090 SH   DFND   6,090 0 0
PPL CORP COM COM 69351T106 527 18,453 SH   DFND   18,453 0 0
PRIMIS FINANCIAL CORP COM 74167B109 140 10,000 SH   DFND   10,000 0 0
PROCTER & GAMBLE COM 742718109 39,107 255,933 SH   DFND   205,103 0 50,830
PROGRESSIVE CORP OHIO COM 743315103 629 5,522 SH   DFND   5,522 0 0
PRUDENTIAL FINL INC COM 744320102 478 4,048 SH   DFND   2,508 0 1,540
PUBLIC STORAGE COM 74460D109 1,620 4,151 SH   DFND   4,151 0 0
PUBLIC SVC ENTERPRISES COM 744573106 620 8,860 SH   DFND   8,860 0 0
QUALCOMM INC COM 747525103 16,310 106,729 SH   DFND   106,479 0 250
RAYTHEON TECHNOLOGIES CORP COM 75513E101 197,604 1,994,592 SH   DFND   1,793,643 1,403 199,546
S&P GLOBAL INC COM 78409V104 125,833 306,775 SH   DFND   265,988 360 40,427
SALESFORCE.COM INC COM 79466L302 897 4,226 SH   DFND   1,751 0 2,475
SAP SE SPONSORED ADR SPON ADR 803054204 646 5,826 SH   DFND   5,796 0 30
SCHLUMBERGER LTD COM STK 806857108 264 6,380 SH   DFND   6,312 0 68
SCHWAB FUNDAMENTAL EM L/C SCHWB FDT MEK LG 808524730 1,149 39,700 SH   DFND   0 0 39,700
SCHWAB FUNDAMENTAL INTL L/C SCHWB FDT INT LG 808524755 910 28,220 SH   DFND   0 0 28,220
SCHWAB INTERNATIONAL EQUITY ETF INTL EQTY ETF 808524805 361 9,827 SH   DFND   9,827 0 0
SCHWAB US DVD EQUITY ETF US DIVIDEND EQ 808524797 470 5,961 SH   DFND   5,961 0 0
SCHWAB US LARGE-CAP VALUE ETF US LCAP VA ETF 808524409 898 12,582 SH   DFND   12,582 0 0
SCHWAB US MID CAP ETF US MID CAP ETF 808524508 514 6,780 SH   DFND   6,780 0 0
SCHWAB US SMALL-CAP ETF US SML CAP ETF 808524607 474 10,001 SH   DFND   10,001 0 0
SEI INVESTMENTS CO COM 784117103 402 6,670 SH   DFND   6,670 0 0
SHELL PLC SPON ADS 780259305 2,067 37,626 SH   DFND   35,160 0 2,466
SHERWIN WILLIAMS CO COM 824348106 3,920 15,704 SH   DFND   15,446 258 0
SKYWORKS SOLUTIONS INC COM 83088M102 43,213 324,224 SH   DFND   322,359 340 1,525
SOUTHERN CO COM 842587107 952 13,129 SH   DFND   13,129 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 1,376 7,615 SH   DFND   7,615 0 0
SPDR HEALTH CARE SEL SEC SBI HEALTHCARE 81369Y209 479 3,498 SH   DFND   1,861 0 1,637
SPDR S&P DIVIDEND ETF S&P DIVID ETF 78464A763 3,185 24,859 SH   DFND   5,081 0 19,778
SPDR TR UNIT SER 1 TR UNIT 78462F103 59,045 130,735 SH   DFND   89,076 0 41,659
STARBUCKS CORP COM 855244109 95,133 1,045,763 SH   DFND   923,457 717 121,589
STRYKER CORP COM 863667101 4,090 15,297 SH   DFND   14,442 0 855
SYSCO CORP COM 871829107 1,586 19,430 SH   DFND   19,273 0 157
T ROWE PRICE GROUP INC COM 74144T108 251 1,658 SH   DFND   1,158 0 500
TARGET CORP COM 87612E106 6,099 28,738 SH   DFND   28,613 0 125
TECHNOLOGY SELECT SECT SPDR TECHNOLOGY 81369Y803 1,850 11,640 SH   DFND   9,435 0 2,205
TESLA MOTORS IN COM 88160R101 352 327 SH   DFND   327 0 0
TEXAS INSTRUMENTS INC COM 882508104 85,975 468,581 SH   DFND   424,362 195 44,024
THE BLACKSTONE GROUP INC COM CL A 09260D107 992 7,815 SH   DFND   7,815 0 0
THE HERSHEY COMPANY COM 427866108 1,093 5,047 SH   DFND   5,047 0 0
THE TRADE DESK INC COM CL A 88339J105 298 4,300 SH   DFND   4,300 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 92,066 155,872 SH   DFND   147,223 150 8,499
TIMOTHY PLAN US SMALL CAP CO US SM CP CORE 887432342 231 7,000 SH   DFND   7,000 0 0
TJX COS INC NEW COM 872540109 117,848 1,945,331 SH   DFND   1,638,491 1,014 305,826
TORONTO-DOMINION BANK COM NEW 891160509 321 4,043 SH   DFND   4,043 0 0
TRANE TECHNOLOGIES PLC SHS G8994E103 703 4,604 SH   DFND   4,604 0 0
TRANSDIGM GROUP, INC. COM 893641100 652 1,000 SH   DFND   1,000 0 0
TRAVELERS COMPANIES INC COM 89417E109 877 4,797 SH   DFND   2,319 0 2,478
TRUIST FINANCIAL CORP COM 89832Q109 15,899 280,403 SH   DFND   278,052 0 2,351
TWILIO INC - A CL A 90138F102 202 1,225 SH   DFND   1,225 0 0
U S BANCORP COM NEW 902973304 1,199 22,560 SH   DFND   13,356 0 9,204
UGI CORP NEW COM 902681105 314 8,683 SH   DFND   8,683 0 0
UNILEVER PLC SPONSORED ADR SPON ADR NEW 904767704 12,557 275,552 SH   DFND   266,719 0 8,833
UNION PACIFIC CORP COM 907818108 16,171 59,190 SH   DFND   56,585 0 2,605
UNITED PARCEL SVC INC CL B CL B 911312106 79,537 370,869 SH   DFND   368,954 199 1,716
UNITEDHEALTH GROUP INC COM 91324P102 244,666 479,766 SH   DFND   407,084 262 72,420
V F CORPORATION COM 918204108 28,578 502,611 SH   DFND   497,751 710 4,150
VALERO ENERGY CORP COM 91913Y100 311 3,060 SH   DFND   2,795 0 265
VANGUARD DIVIDEND DIV APP ETF 921908844 40,645 250,646 SH   DFND   151,873 0 98,773
VANGUARD ESG INTL STOCK ETF ESG INTL STK ETF 921910725 1,617 28,275 SH   DFND   28,275 0 0
VANGUARD ESG US STOCK ETF ESG US STK ETF 921910733 1,024 12,628 SH   DFND   12,628 0 0
VANGUARD FINANCIALS ETF FINANCIALS ETF 92204A405 252 2,701 SH   DFND   2,701 0 0
VANGUARD FTSE ALL WORLD SC ETF FTSE SMCAP ETF 922042718 54,178 437,309 SH   DFND   425,238 587 11,483
VANGUARD FTSE EMERGING MARKET ETF FTSE EMR MKT ETF 922042858 5,231 113,403 SH   DFND   113,403 0 0
VANGUARD FTSE EUROPE ETF FTSE EUROPE ETF 922042874 54,412 873,670 SH   DFND   854,484 1,475 17,711
VANGUARD FTSE EUROPE PACIFIC ETF FTSE DEV MKT ETF 921943858 4,751 98,925 SH   DFND   98,925 0 0
VANGUARD FTSE PACIFIC ETF INF TECH ETF 922042866 76,017 1,026,561 SH   DFND   1,006,913 1,028 18,620
VANGUARD GROWTH ETF GROWTH ETF 922908736 773 2,687 SH   DFND   2,687 0 0
VANGUARD HIGH DIVIDEND YIELD ETF HIGH DIV YLD 921946406 4,354 38,787 SH   DFND   38,387 0 400
VANGUARD INFO TECH ETF INF TECH ETF 92204A702 4,684 11,247 SH   DFND   11,227 0 20
VANGUARD LARGE - CAP ETF LARGE CAP ETF 922908637 384 1,840 SH   DFND   1,840 0 0
VANGUARD MID-CAP ETF MID CAP ETF 922908629 1,379 5,796 SH   DFND   5,796 0 0
VANGUARD MID-CAP GROWTH ETF MCAP GR IDXVIP 922908538 427 1,917 SH   DFND   1,831 0 86
VANGUARD REIT ETF REIT ETF 922908553 2,977 27,475 SH   DFND   27,475 0 0
VANGUARD S&P 500 ETF S&P 500 ETF SHS 922908363 7,870 18,957 SH   DFND   15,931 0 3,026
VANGUARD SHORT TERM BOND ETF SHORT TRM BOND 921937827 4,172 53,550 SH   DFND   53,550 0 0
VANGUARD SMALL-CAP ETF SMALL CAP ETF 922908751 2,600 12,236 SH   DFND   12,091 0 145
VANGUARD TOTAL BOND MARKET TOTAL BND MRKT 921937835 11,705 147,160 SH   DFND   11,108 0 136,052
VANGUARD TOTAL INTL STOCK INDEX FUND ETF VG TL INTL STK F 921909768 5,231 87,569 SH   DFND   87,459 110 0
VANGUARD TOTAL STOCK MARKET TOTAL STK MKT 922908769 55,056 241,825 SH   DFND   214,396 0 27,429
VANGUARD VALUE ETF VALUE ETF 922908744 1,473 9,966 SH   DFND   3,414 0 6,552
VENTAS INC COM 92276F100 243 3,934 SH   DFND   3,934 0 0
VERIZON COMMUNICATIONS COM 92343V104 10,493 205,985 SH   DFND   202,317 0 3,668
VISA IN - CLASS A COM CL A 92826C839 3,594 16,204 SH   DFND   14,904 0 1,300
WALGREENS BOOTS ALLIANCE, INC COM 931427108 323 7,211 SH   DFND   7,211 0 0
WALMART INC COM 931142103 2,993 20,095 SH   DFND   19,987 0 108
WASTE MGMT INC DEL COM 94106L109 4,196 26,473 SH   DFND   26,473 0 0
WD-40 COMPANY COM 929236107 247 1,350 SH   DFND   1,350 0 0
WEC ENERGY GROUP INC COM 92939U106 317 3,180 SH   DFND   3,180 0 0
WELLS FARGO CO COM 949746101 2,756 56,873 SH   DFND   56,770 0 103
WEST PHARMACEUTICAL SERVICES COM 955306105 968 2,357 SH   DFND   2,357 0 0
WEYERHAEUSER CO COM NEW 962166104 302 7,956 SH   DFND   7,956 0 0
WSFS FINANCIAL CORP COM 929328102 303 6,504 SH   DFND   6,504 0 0
WW GRAINGER INC COM 384802104 515 998 SH   DFND   975 0 23
YUM BRANDS INC COM COM 988498101 240 2,025 SH   DFND   2,025 0 0
ZIMMER HLDGS INC COM 98956P102 467 3,654 SH   DFND   3,160 0 494
ZOETIS INC. CL A 98978V103 2,314 12,272 SH   DFND   12,272 0 0