Spinnaker Trust 13F-HR Quarterly holdings report by institutional manager

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:	Oct 31, 2018
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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	Equities	88579Y101	47,095,822	503,053	SH		SOLE		503,053	0	0
Abbott Laboratories	Equities	002824100	70,701	730	SH		DFND		730	0	0
Abbott Laboratories	Equities	002824100	4,241,546	43,795	SH		SOLE		43,495	0	300
AbbVie Inc	Equities	00287Y109	2,430,870	16,308	SH		SOLE		16,308	0	0
Aberdeen Standard Bloomberg All	Equities	003261104	283,761	13,442	SH		SOLE		6,645	0	6,797
Accenture PLC	Equities	G1151C101	122,844	400	SH		DFND		400	0	0
Accenture PLC	Equities	G1151C101	1,839,589	5,990	SH		SOLE		5,860	0	130
Adobe Inc	Equities	00724F101	225,886	443	SH		SOLE		383	0	60
AFLAC Inc	Equities	001055102	233,704	3,045	SH		SOLE		3,045	0	0
Agilent Technologies Inc	Equities	00846U101	306,275	2,739	SH		SOLE		95	0	2,644
Air Prods & Chems Inc	Equities	009158106	1,049,714	3,704	SH		SOLE		3,704	0	0
Alphabet Inc CL A	Equities	02079K305	5,902,833	45,108	SH		SOLE		44,448	0	660
Alphabet Inc CL C	Equities	02079K107	13,185	100	SH		DFND		100	0	0
Alphabet Inc CL C	Equities	02079K107	14,300,847	108,463	SH		SOLE		98,231	7,820	2,412
Altria Group Inc	Equities	02209S103	528,442	12,567	SH		SOLE		9,963	0	2,604
Amazon Com Inc	Equities	023135106	13,983	110	SH		DFND		110	0	0
Amazon Com Inc	Equities	023135106	8,287,716	65,196	SH		SOLE		59,505	3,686	2,005
American Express Co	Equities	025816109	1,138,618	7,632	SH		SOLE		7,632	0	0
American Tower Reit Com	Equities	03027X100	424,117	2,579	SH		SOLE		2,494	0	85
Ameriprise Finl Inc	Equities	03076C106	555,511	1,685	SH		SOLE		1,685	0	0
Amgen Inc	Equities	031162100	2,253,284	8,384	SH		SOLE		8,294	0	90
Apple Inc	Equities	037833100	96,905	566	SH		DFND		566	0	0
Apple Inc	Equities	037833100	36,332,474	212,210	SH		SOLE		199,910	4,071	8,229
Arthur J. Gallagher & Co.	Equities	363576109	272,376	1,195	SH		SOLE		995	0	200
AT&T Inc	Equities	00206R102	266,154	17,720	SH		DFND		17,720	0	0
AT&T Inc	Equities	00206R102	1,557,814	103,716	SH		SOLE		94,937	0	8,779
Automatic Data Processing Inc	Equities	053015103	5,517,221	22,933	SH		SOLE		22,933	0	0
AutoZone, Inc.	Equities	053332102	380,999	151	SH		SOLE		151	0	0
Bank Of America Corporation	Equities	060505104	411,302	15,022	SH		SOLE		14,653	0	369
Becton Dickinson and Company	Equities	075887109	1,432,256	5,540	SH		SOLE		5,540	0	0
Berkshire Hathaway Inc	Equities	084670108	6,909,201	13	SH		SOLE		13	0	0
Berkshire Hathaway Inc - CL B	Equities	084670702	826,007	2,358	SH		DFND		2,358	0	0
Berkshire Hathaway Inc - CL B	Equities	084670702	30,187,453	86,176	SH		SOLE		83,371	2,115	690
Biotech Select Sector SPDR ETF	Equities	78464A870	202,923	2,779	SH		SOLE		2,025	0	754
BlackRock, Inc	Equities	09247X101	385,955	597	SH		DFND		597	0	0
BlackRock, Inc	Equities	09247X101	5,996,841	9,276	SH		SOLE		8,123	797	356
Boeing Co	Equities	097023105	264,135	1,378	SH		SOLE		1,378	0	0
Booking Holdings Inc	Equities	09857L108	607,538	197	SH		SOLE		197	0	0
Bristol Myers Squibb Co	Equities	110122108	440,408	7,588	SH		DFND		7,588	0	0
Bristol Myers Squibb Co	Equities	110122108	1,993,326	34,344	SH		SOLE		31,973	0	2,371
Broadcom Inc.	Equities	11135F101	893,704	1,076	SH		SOLE		1,057	0	19
Caterpillar Inc Del	Equities	149123101	559,650	2,050	SH		DFND		2,050	0	0
Caterpillar Inc Del	Equities	149123101	5,776,680	21,160	SH		SOLE		21,160	0	0
Charter Communications, Inc.	Equities	16119P108	12,755	29	SH		DFND		29	0	0
Charter Communications, Inc.	Equities	16119P108	5,934,931	13,494	SH		SOLE		11,455	1,743	296
Chevron Corporation	Equities	166764100	410,421	2,434	SH		DFND		2,434	0	0
Chevron Corporation	Equities	166764100	7,975,726	47,300	SH		SOLE		43,049	2,985	1,266
Chubb Limited	Equities	H1467J104	720,927	3,463	SH		SOLE		3,373	0	90
Church & Dwight Inc	Equities	171340102	4,479,607	48,888	SH		SOLE		47,888	0	1,000
Cigna Corporation	Equities	125523100	365,311	1,277	SH		SOLE		1,277	0	0
Cisco Systems Inc	Equities	17275R102	534,106	9,935	SH		DFND		9,935	0	0
Cisco Systems Inc	Equities	17275R102	3,622,940	67,391	SH		SOLE		62,677	0	4,714
Coca Cola Co	Equities	191216100	1,021,915	18,255	SH		SOLE		18,165	0	90
Colgate Palmolive Co	Equities	194162103	532,401	7,487	SH		SOLE		7,413	0	74
Comcast Corp New Cl A	Equities	20030N101	1,609,143	36,291	SH		SOLE		24,194	11,347	750
ConocoPhillips	Equities	20825C104	311,959	2,604	SH		SOLE		2,604	0	0
CONSOL Energy, Inc.	Equities	20854L108	781,580	7,450	SH		SOLE		7,450	0	0
Constellation Brands Inc - Clas	Equities	21036P108	406,149	1,616	SH		SOLE		1,616	0	0
Consumer Discretionary Select S	Equities	81369Y407	20,753,220	128,918	SH		SOLE		126,443	190	2,285
Consumer Staples Select Sector	Equities	81369Y308	7,485,909	108,791	SH		SOLE		106,992	0	1,799
Copart, Inc.	Equities	217204106	216,398	5,022	SH		SOLE		5,022	0	0
Corteva, Inc.	Equities	22052L104	26,757	523	SH		DFND		523	0	0
Corteva, Inc.	Equities	22052L104	424,270	8,293	SH		SOLE		8,293	0	0
Costco Wholesale Corp	Equities	22160K105	37,287	66	SH		DFND		66	0	0
Costco Wholesale Corp	Equities	22160K105	4,776,737	8,455	SH		SOLE		7,682	623	150
Crown Castle International Corp	Equities	22822V101	261,825	2,845	SH		DFND		2,845	0	0
Crown Castle International Corp	Equities	22822V101	1,468,799	15,960	SH		SOLE		14,194	0	1,766
CVS Health Corporation	Equities	126650100	509,686	7,300	SH		DFND		7,300	0	0
CVS Health Corporation	Equities	126650100	2,585,644	37,033	SH		SOLE		33,778	0	3,255
Danaher Corp Del	Equities	235851102	1,191,376	4,802	SH		SOLE		4,622	0	180
Deere & Co	Equities	244199105	9,435	25	SH		DFND		25	0	0
Deere & Co	Equities	244199105	4,574,223	12,121	SH		SOLE		10,607	1,102	412
Diageo plc Sponsored ADR	Equities	25243Q205	315,963	2,118	SH		SOLE		2,080	0	38
Dominion Energy Inc	Equities	25746U109	20,102	450	SH		DFND		450	0	0
Dominion Energy Inc	Equities	25746U109	225,852	5,056	SH		SOLE		5,056	0	0
Domino's Pizza, Inc.	Equities	25754A201	414,775	1,095	SH		SOLE		1,095	0	0
Dow Inc.	Equities	260557103	431,712	8,373	SH		DFND		8,373	0	0
Dow Inc.	Equities	260557103	2,292,203	44,457	SH		SOLE		41,911	0	2,546
Duke Energy Corp New Com	Equities	26441C204	428,061	4,850	SH		SOLE		4,693	0	157
DuPont de Nemours Inc	Equities	26614N102	39,011	523	SH		DFND		523	0	0
DuPont de Nemours Inc	Equities	26614N102	676,606	9,071	SH		SOLE		9,071	0	0
Eaton Corporation plc	Equities	G29183103	42,656	200	SH		DFND		200	0	0
Eaton Corporation plc	Equities	G29183103	348,926	1,636	SH		SOLE		1,436	0	200
Elevance Health, Inc.	Equities	036752103	252,544	580	SH		SOLE		340	0	240
Eli Lilly & Co	Equities	532457108	1,015,176	1,890	SH		DFND		1,890	0	0
Eli Lilly & Co	Equities	532457108	12,685,936	23,618	SH		SOLE		21,514	1,560	544
Emerson Elec Co	Equities	291011104	2,287,550	23,688	SH		SOLE		23,596	0	92
Energy Select Sector SPDR	Equities	81369Y506	705,313	7,803	SH		SOLE		7,153	0	650
Equifax Inc	Equities	294429105	572,438	3,125	SH		SOLE		3,125	0	0
Essential Utilities, Inc.	Equities	29670G102	474,269	13,815	SH		SOLE		13,815	0	0
Eversource Energy Com	Equities	30040W108	285,807	4,915	SH		SOLE		4,915	0	0
Exxon Mobil Corp	Equities	30231G102	9,165,126	77,948	SH		SOLE		73,276	0	4,672
FactSet Research Systems Inc.	Equities	303075105	1,277,674	2,922	SH		SOLE		2,922	0	0
Fastenal Company	Equities	311900104	469,139	8,586	SH		SOLE		8,586	0	0
Fidelity MSCI Information Techn	Equities	316092808	1,530,110	12,447	SH		SOLE		11,556	0	891
Fidelity Total Bond ETF	Equities	316188309	3,904,501	89,635	SH		SOLE		67,724	0	21,911
Financial Select Sector SPDR	Equities	81369Y605	10,878,665	327,967	SH		SOLE		316,086	0	11,881
First Trust CBOE US Equity Deep	Equities	33740U406	61,974,853	1,846,138	SH		SOLE		1,791,751	3,985	50,402
First Trust Nasdaq ABA CBIF	Equities	33736Q104	348,321	8,765	SH		SOLE		8,765	0	0
First Trust Preferred Securitie	Equities	33739E108	183,064	11,463	SH		SOLE		0	0	11,463
Fiserv Inc	Equities	337738108	854,655	7,566	SH		SOLE		7,566	0	0
FT Cboe Vest US Equity Deep Buf	Equities	33740F714	1,276,853	36,151	SH		SOLE		33,820	0	2,331
GE Healthcare Technologies Inc	Equities	36266G107	9,185	135	SH		DFND		135	0	0
GE Healthcare Technologies Inc	Equities	36266G107	4,034,364	59,294	SH		SOLE		52,009	5,650	1,635
General Electric Company	Equities	369604301	898,882	8,131	SH		SOLE		7,709	0	422
General Mills Inc	Equities	370334104	92,786	1,450	SH		DFND		1,450	0	0
General Mills Inc	Equities	370334104	600,738	9,388	SH		SOLE		9,388	0	0
Global Partners LP	Equities	37946R109	219,867	6,225	SH		SOLE		6,225	0	0
Global X Uranium ETF	Equities	37954Y871	11,433,215	422,826	SH		SOLE		405,828	849	16,149
Goldman Sachs ActiveBeta Emergi	Equities	381430206	31,133,259	1,086,107	SH		SOLE		1,051,054	1,923	33,130
Goldman Sachs Group Inc	Equities	38141G104	408,022	1,261	SH		SOLE		1,233	0	28
GreenGro Technologies, Inc.	Equities	39526G107	30	10,000	SH		SOLE		10,000	0	0
Healthcare Select Sector SPDR	Equities	81369Y209	34,647,281	269,126	SH		SOLE		264,240	0	4,886
Hewlett Packard Enterprise Comp	Equities	42824C109	245,525	14,135	SH		SOLE		5,260	0	8,875
Home Depot Inc	Equities	437076102	565,946	1,873	SH		DFND		1,873	0	0
Home Depot Inc	Equities	437076102	12,994,089	43,004	SH		SOLE		39,681	2,141	1,182
Honeywell International Inc	Equities	438516106	2,135,964	11,562	SH		SOLE		11,495	0	67
HP Inc.	Equities	40434L105	350,244	13,628	SH		SOLE		6,528	0	7,100
Hubbell Incorporated	Equities	443510607	333,468	1,064	SH		SOLE		1,064	0	0
Idexx Laboratories Inc	Equities	45168D104	3,995,336	9,137	SH		SOLE		5,520	175	3,442
Illinois Tool Works Inc	Equities	452308109	985,496	4,279	SH		SOLE		3,605	0	674
Industrial Select Sector SPDR	Equities	81369Y704	6,482,440	63,942	SH		SOLE		62,753	89	1,100
Intel Corp	Equities	458140100	2,004,984	56,399	SH		SOLE		53,689	0	2,710
International Business Machines	Equities	459200101	2,501,689	17,831	SH		SOLE		17,831	0	0
Intuit Inc.	Equities	461202103	679,039	1,329	SH		SOLE		1,147	0	182
Invesco CurrencyShares Japanese	Equities	46138W107	7,882,396	126,747	SH		SOLE		119,018	266	7,463
Invesco QQQ Trust	Equities	46090E103	17,177,255	47,946	SH		SOLE		44,901	239	2,806
Invesco Russell 1000 Dynamic Mu	Equities	46138J619	1,229,200	26,815	SH		SOLE		26,229	0	586
Invesco S&P 500 GARP ETF	Equities	46137V431	4,764,370	52,218	SH		SOLE		50,856	0	1,362
Invesco S&P 500 Low Volatility	Equities	46138E354	16,248,027	276,374	SH		SOLE		255,035	1,817	19,522
Invesco S&P SmallCap Informatio	Equities	46138E115	1,266,923	28,945	SH		SOLE		28,945	0	0
iShares 20 Year Treasury Bond E	Equities	464287432	52,593	593	SH		DFND		593	0	0
iShares 20 Year Treasury Bond E	Equities	464287432	32,948,690	371,504	SH		SOLE		362,366	1,289	7,849
iShares Core 1-5 Year USD Bond	Equities	46432F859	1,581,465	34,098	SH		SOLE		22,669	0	11,429
iShares Core MSCI EAFE	Equities	46432F842	3,961,450	61,561	SH		SOLE		61,561	0	0
iShares Core MSCI Emerging Mark	Equities	46434G103	1,357,076	28,516	SH		SOLE		28,516	0	0
iShares Core S&P Mid-Cap ETF	Equities	464287507	3,141,810	12,600	SH		SOLE		11,768	64	768
iShares Core Total USD Bond Mar	Equities	46434V613	728,423	16,663	SH		SOLE		14,019	0	2,644
iShares Dow Jones US Consumer S	Equities	464287580	932,480	13,928	SH		SOLE		13,928	0	0
iShares Dow Jones US Medical De	Equities	464288810	623,807	12,862	SH		SOLE		10,426	0	2,436
iShares Dow Jones US Pharmaceut	Equities	464288836	1,079,583	6,100	SH		SOLE		6,100	0	0
iShares ESG Advanced MSCI USA E	Equities	46436E767	5,897,676	170,158	SH		SOLE		164,571	0	5,587
iShares ESG Aware MSCI EM ETF	Equities	46434G863	252,656	8,344	SH		SOLE		6,540	0	1,804
iShares ESG Aware MSCI USA ETF	Equities	46435G425	11,491,297	122,365	SH		SOLE		112,971	837	8,557
iShares ESG Aware MSCI USA Smal	Equities	46435U663	311,734	9,264	SH		SOLE		7,087	0	2,177
iShares ESG Aware U.S. Aggregat	Equities	46435U549	648,651	14,319	SH		SOLE		12,695	0	1,624
iShares ESG MSCI EAFE ETF	Equities	46435G516	80,619,683	1,166,204	SH		SOLE		1,128,389	2,067	35,748
iShares Global Clean Energy	Equities	464288224	7,369,138	504,045	SH		SOLE		484,046	889	19,110
iShares Gold Trust	Equities	464285204	14,003,768	400,222	SH		SOLE		377,893	490	21,839
iShares iBonds Dec 2023 Term Co	Equities	46434VAX8	363,079	14,317	SH		SOLE		7,116	0	7,201
iShares iBonds Dec 2023 Term Mu	Equities	46435G318	313,115	12,267	SH		SOLE		3,645	0	8,622
iShares iBonds Dec 2024 Term Co	Equities	46434VBG4	1,490,700	60,279	SH		SOLE		48,498	0	11,781
iShares iBonds Dec 2024 Term Mu	Equities	46435U697	311,466	12,124	SH		SOLE		7,824	0	4,300
iShares iBonds Dec 2025 Term Co	Equities	46434VBD1	1,238,654	50,827	SH		SOLE		47,912	0	2,915
iShares iBonds Dec 2025 Term Mu	Equities	46435U432	236,128	9,054	SH		SOLE		2,926	0	6,128
iShares iBonds Dec 2026 Term Co	Equities	46435GAA0	1,271,314	54,481	SH		SOLE		54,051	0	430
iShares iBonds Dec 2027 Term Co	Equities	46435UAA9	626,886	27,091	SH		SOLE		27,091	0	0
iShares iBonds Dec 2028 Term Co	Equities	46435U515	609,593	25,368	SH		SOLE		25,368	0	0
iShares MSCI All Country Asia e	Equities	464288182	3,333,877	52,502	SH		SOLE		49,377	0	3,125
iShares MSCI Brazil ETF	Equities	464286400	8,130,218	265,087	SH		SOLE		256,599	546	7,942
iShares MSCI India	Equities	46429B598	9,772,310	220,993	SH		SOLE		212,756	461	7,776
iShares MSCI Taiwan ETF	Equities	46434G772	8,848,877	198,628	SH		SOLE		190,621	303	7,704
iShares MSCI USA ESG Select ETF	Equities	464288802	72,939,129	810,705	SH		SOLE		783,255	883	26,567
iShares National Amtfree Muni	Equities	464288414	1,693,551	16,516	SH		SOLE		16,091	425	0
iShares Russell 1000 Growth Ind	Equities	464287614	723,759	2,721	SH		SOLE		2,591	130	0
iShares Russell 1000 Value Inde	Equities	464287598	376,362	2,479	SH		SOLE		2,349	130	0
iShares Russell 3000 ETF	Equities	464287689	660,437	2,695	SH		SOLE		2,695	0	0
iShares Russell Midcap Index	Equities	464287499	349,713	5,050	SH		SOLE		5,050	0	0
iShares S&P 500 Index	Equities	464287200	466,361	1,086	SH		SOLE		1,086	0	0
iShares S&P 500 Value ETF	Equities	464287408	402,445	2,616	SH		SOLE		150	0	2,466
iShares S&P Global Technology	Equities	464287291	227,890	3,940	SH		SOLE		780	0	3,160
iShares S&P SmallCap 600 Index	Equities	464287804	3,429,650	36,358	SH		SOLE		36,358	0	0
iShares Semiconductor ETF	Equities	464287523	326,819	690	SH		SOLE		664	0	26
iShares Short Maturity Bond	Equities	46431W507	1,845,830	37,000	SH		SOLE		37,000	0	0
iShares Tr MSCI EAFE Index Fund	Equities	464287465	316,825	4,597	SH		SOLE		3,792	0	805
iShares TR Russell 1000 ETF	Equities	464287622	752,652	3,204	SH		SOLE		0	0	3,204
iShares Tr Russell 2000 Index F	Equities	464287655	1,854,533	10,493	SH		SOLE		10,197	0	296
iShares Trust S & P 100 Index F	Equities	464287101	265,045	1,321	SH		SOLE		1,321	0	0
iShares U.S. Technology ETF	Equities	464287721	529,636	5,048	SH		SOLE		800	0	4,248
Johnson & Johnson	Equities	478160104	66,973	430	SH		DFND		430	0	0
Johnson & Johnson	Equities	478160104	6,773,723	43,491	SH		SOLE		42,735	0	756
JPMorgan BetaBuilders Canada ET	Equities	46641Q225	1,253,947	21,565	SH		SOLE		20,331	0	1,234
JPMorgan Chase & Co	Equities	46625H100	530,918	3,661	SH		DFND		3,661	0	0
JPMorgan Chase & Co	Equities	46625H100	9,975,636	68,788	SH		SOLE		62,336	4,248	2,204
Keysight Technologies, Inc	Equities	49338L103	269,515	2,037	SH		SOLE		0	0	2,037
Kimberly Clark Corp	Equities	494368103	658,391	5,448	SH		SOLE		5,448	0	0
Kinder Morgan Inc	Equities	49456B101	425,194	25,645	SH		DFND		25,645	0	0
Kinder Morgan Inc	Equities	49456B101	1,881,863	113,502	SH		SOLE		103,569	0	9,933
KraneShares Global Carbon ETF	Equities	500767678	8,972,560	248,341	SH		SOLE		234,957	319	13,065
L3Harris Technologies Inc	Equities	502431109	531,066	3,050	SH		SOLE		3,050	0	0
Linde Plc	Equities	G54950103	1,203,808	3,233	SH		SOLE		2,992	0	241
Lockheed Martin Corp	Equities	539830109	296,905	726	SH		SOLE		665	0	61
Lowes Cos Inc	Equities	548661107	203,060	977	SH		SOLE		977	0	0
Manulife Finl Corp	Equities	56501R106	469,613	25,690	SH		DFND		25,690	0	0
Manulife Finl Corp	Equities	56501R106	1,830,029	100,111	SH		SOLE		92,585	0	7,526
Marathon Petroleum Corporation	Equities	56585A102	245,019	1,619	SH		SOLE		1,255	0	364
Mastercard Inc CL A	Equities	57636Q104	2,835,112	7,161	SH		SOLE		7,161	0	0
Materials Select Sector SPDR Tr	Equities	81369Y100	305,560	3,890	SH		SOLE		3,515	0	375
McDonalds Corp	Equities	580135101	466,289	1,770	SH		DFND		1,770	0	0
McDonalds Corp	Equities	580135101	3,298,269	12,520	SH		SOLE		11,561	0	959
Medtronics PLC	Equities	G5960L103	372,210	4,750	SH		DFND		4,750	0	0
Medtronics PLC	Equities	G5960L103	1,507,176	19,234	SH		SOLE		17,637	0	1,597
Merck & Co Inc New Com	Equities	58933Y105	4,281,382	41,587	SH		SOLE		41,309	0	278
Meta Platforms, Inc.	Equities	30303M102	502,251	1,673	SH		SOLE		1,552	0	121
Microsoft Corp	Equities	594918104	1,398,141	4,428	SH		DFND		4,428	0	0
Microsoft Corp	Equities	594918104	34,640,617	109,709	SH		SOLE		79,232	25,967	4,510
Mondelez International, Inc.	Equities	609207105	710,934	10,244	SH		SOLE		8,067	0	2,177
Monster Beverage Corporation	Equities	61174X109	203,328	3,840	SH		SOLE		3,840	0	0
Moody's Corp	Equities	615369105	564,363	1,785	SH		SOLE		1,785	0	0
MSA Safety Incorporated	Equities	553498106	285,031	1,808	SH		SOLE		1,808	0	0
Nestle S A Sponsored ADR	Equities	641069406	442,380	3,901	SH		DFND		3,901	0	0
Nestle S A Sponsored ADR	Equities	641069406	7,309,993	64,461	SH		SOLE		56,501	5,372	2,588
NextEra Energy Inc.	Equities	65339F101	309,366	5,400	SH		DFND		5,400	0	0
NextEra Energy Inc.	Equities	65339F101	5,585,030	97,488	SH		SOLE		84,641	8,729	4,118
Nike Inc Cl B	Equities	654106103	5,068	53	SH		DFND		53	0	0
Nike Inc Cl B	Equities	654106103	4,706,895	49,225	SH		SOLE		42,253	6,022	950
Norfolk Southern Corp	Equities	655844108	254,040	1,290	SH		SOLE		1,235	0	55
Novartis AG ADR	Equities	66987V109	209,730	2,059	SH		SOLE		1,934	0	125
Novo Nordisk A/S - Spons ADR	Equities	670100205	878,844	9,664	SH		SOLE		9,664	0	0
NVIDIA Corporation	Equities	67066G104	4,787,065	11,005	SH		SOLE		10,561	0	444
Oracle Corp	Equities	68389X105	1,448,562	13,676	SH		SOLE		13,676	0	0
Otis Worldwide Corporation	Equities	68902V107	271,046	3,375	SH		SOLE		3,375	0	0
Pacer US Cash Cows 100 ETF	Equities	69374H881	3,791,281	76,700	SH		SOLE		74,779	0	1,921
Paychex Inc	Equities	704326107	513,910	4,456	SH		SOLE		4,254	0	202
Pepsico Inc	Equities	713448108	94,886	560	SH		DFND		560	0	0
Pepsico Inc	Equities	713448108	5,278,056	31,150	SH		SOLE		29,924	0	1,226
Pfizer Inc	Equities	717081103	1,603,139	48,331	SH		SOLE		47,581	0	750
Philip Morris International Inc	Equities	718172109	185,160	2,000	SH		DFND		2,000	0	0
Philip Morris International Inc	Equities	718172109	1,208,539	13,054	SH		SOLE		10,450	0	2,604
Phillips 66	Equities	718546104	457,531	3,808	SH		SOLE		3,308	0	500
PIMCO Enhanced Short Maturity E	Equities	72201R833	762,566	7,615	SH		SOLE		7,615	0	0
PNC Financial Services Group	Equities	693475105	468,368	3,815	SH		SOLE		3,815	0	0
Procter & Gamble Co	Equities	742718109	495,924	3,400	SH		DFND		3,400	0	0
Procter & Gamble Co	Equities	742718109	5,850,590	40,111	SH		SOLE		40,066	0	45
Prologis Inc COM	Equities	74340W103	449,850	4,009	SH		DFND		4,009	0	0
Prologis Inc COM	Equities	74340W103	6,298,235	56,129	SH		SOLE		48,451	5,254	2,424
Provident Bancorp, Inc.	Equities	74383L105	128,325	13,243	SH		SOLE		500	0	12,743
Public Storage Inc	Equities	74460D109	263,520	1,000	SH		DFND		1,000	0	0
Public Storage Inc	Equities	74460D109	2,108	8	SH		SOLE		8	0	0
Raytheon Technologies Corp	Equities	75513E101	382,521	5,315	SH		DFND		5,315	0	0
Raytheon Technologies Corp	Equities	75513E101	5,800,782	80,601	SH		SOLE		71,738	6,692	2,171
Real Estate Select Sector SPDR	Equities	81369Y860	266,666	7,827	SH		SOLE		7,827	0	0
Roper Industries, Inc.	Equities	776696106	386,455	798	SH		SOLE		698	0	100
Ross Stores, Inc.	Equities	778296103	417,915	3,700	SH		SOLE		3,700	0	0
S&P Global Inc.	Equities	78409V104	547,019	1,497	SH		SOLE		1,427	0	70
Salesforce.com, Inc.	Equities	79466L302	14,195	70	SH		DFND		70	0	0
Salesforce.com, Inc.	Equities	79466L302	5,796,061	28,583	SH		SOLE		25,555	2,399	629
Schlumberger Ltd	Equities	806857108	869,020	14,906	SH		SOLE		14,906	0	0
SPDR Bloomberg 1-3 month T Bill	Equities	78468R663	21,826,532	237,710	SH		SOLE		220,734	9,122	7,854
SPDR Gold Trust Gold Shs (MFC)	Equities	78463v107	654,768	3,819	SH		SOLE		3,819	0	0
SPDR Health Care Services	Equities	78464A573	678,894	8,158	SH		SOLE		8,065	0	93
SPDR Kensho Clean Power ETF	Equities	78468R655	310,973	4,610	SH		SOLE		4,440	0	170
SPDR Portfolio S&P 600 Small Ca	Equities	78468R853	22,088,377	598,601	SH		SOLE		574,681	747	23,173
SPDR S&P 500 ETF Trust	Equities	78462F103	11,784,341	27,567	SH		SOLE		26,712	75	780
SPDR S&P 500 Fossil Fuel Reserv	Equities	78468R796	9,326,012	268,529	SH		SOLE		247,070	0	21,459
SPDR S&P Midcap 400 ETF Tr Ser	Equities	78467Y107	2,176,137	4,766	SH		SOLE		3,912	0	854
Starbucks Corp	Equities	855244109	515,949	5,653	SH		SOLE		5,553	0	100
Steel Dynamics, Inc.	Equities	858119100	9,221	86	SH		DFND		86	0	0
Steel Dynamics, Inc.	Equities	858119100	5,645,991	52,658	SH		SOLE		44,732	6,746	1,180
Stryker Corp	Equities	863667101	712,961	2,609	SH		SOLE		2,509	0	100
Sysco Corp	Equities	871829107	243,262	3,683	SH		SOLE		3,683	0	0
Technology Select Sector SPDR	Equities	81369Y803	72,443,126	441,915	SH		SOLE		432,459	995	8,461
Tesla, Inc	Equities	88160R101	18,767	75	SH		DFND		75	0	0
Tesla, Inc	Equities	88160R101	704,620	2,816	SH		SOLE		1,946	600	270
Texas Instruments Inc	Equities	882508104	377,967	2,377	SH		DFND		2,377	0	0
Texas Instruments Inc	Equities	882508104	7,356,121	46,262	SH		SOLE		40,326	4,167	1,769
Textron Inc	Equities	883203101	234,420	3,000	SH		SOLE		3,000	0	0
The Walt Disney Company	Equities	254687106	499,754	6,166	SH		SOLE		6,166	0	0
Thermo Fisher Scientific Inc	Equities	883556102	468,207	925	SH		SOLE		844	0	81
TJX Companies Inc (The)	Equities	872540109	508,127	5,717	SH		SOLE		5,717	0	0
Trane Technologies plc	Equities	G8994E103	486,984	2,400	SH		SOLE		2,400	0	0
Travelers Companies Inc (The)	Equities	89417E109	311,106	1,905	SH		SOLE		1,905	0	0
Tyler Technologies, Inc.	Equities	902252105	235,159	609	SH		SOLE		598	0	11
Unilever PLC Sponsored ADR	Equities	904767704	436,449	8,835	SH		SOLE		8,375	0	460
Union Pacific Corp	Equities	907818108	1,435,592	7,050	SH		SOLE		7,050	0	0
United Parcel Service Inc Cl B	Equities	911312106	465,116	2,984	SH		DFND		2,984	0	0
United Parcel Service Inc Cl B	Equities	911312106	6,678,250	42,845	SH		SOLE		36,934	4,165	1,746
Unitedhealth Group Inc	Equities	91324P102	50,923	101	SH		DFND		101	0	0
Unitedhealth Group Inc	Equities	91324P102	6,454,136	12,801	SH		SOLE		10,701	1,867	233
Utilities Select Sector SPDR	Equities	81369Y886	303,784	5,155	SH		SOLE		5,155	0	0
Vanguard 500 Index Fund	Equities	922908363	1,103,487	2,810	SH		SOLE		2,114	0	696
Vanguard Communication Services	Equities	92204A884	1,071,045	10,182	SH		SOLE		10,182	0	0
Vanguard Consumer Discretionary	Equities	92204A108	216,304	803	SH		SOLE		0	0	803
Vanguard Emerging Markets ETF	Equities	922042858	419,743	10,705	SH		SOLE		10,062	0	643
Vanguard ESG International Stoc	Equities	921910725	12,131,930	240,522	SH		SOLE		224,825	0	15,697
Vanguard European Stock ETF	Equities	922042874	6,255,745	107,988	SH		SOLE		103,423	185	4,380
Vanguard Extended Market Index	Equities	922908652	415,832	2,901	SH		SOLE		352	0	2,549
Vanguard FTSE All-World Ex-US I	Equities	922042775	5,148,305	99,254	SH		SOLE		79,457	0	19,797
Vanguard FTSE All-World ex-US S	Equities	922042718	12,656,916	119,180	SH		SOLE		114,553	187	4,440
Vanguard FTSE Developed Markets	Equities	921943858	235,126	5,378	SH		SOLE		5,378	0	0
Vanguard Growth ETF	Equities	922908736	227,651	836	SH		SOLE		836	0	0
Vanguard Health Care Index Fund	Equities	92204A504	211,355	899	SH		SOLE		0	0	899
Vanguard Mega Cap 300 Value Ind	Equities	921910840	304,606	3,004	SH		SOLE		3,004	0	0
Vanguard Mid-Cap ETF	Equities	922908629	3,778,711	18,146	SH		SOLE		16,843	0	1,303
Vanguard Short Term Treasury ET	Equities	92206C102	42,106	731	SH		DFND		731	0	0
Vanguard Short Term Treasury ET	Equities	92206C102	53,384,774	926,819	SH		SOLE		881,036	3,285	42,498
Vanguard Short-Term Corporate B	Equities	92206C409	50,877	677	SH		DFND		677	0	0
Vanguard Short-Term Corporate B	Equities	92206C409	32,666,728	434,687	SH		SOLE		413,429	1,344	19,914
Vanguard Small-Cap Value ETF	Equities	922908611	5,892,358	36,945	SH		SOLE		36,945	0	0
Vanguard Small-Cap Vipers	Equities	922908751	424,840	2,247	SH		SOLE		1,356	45	846
Vanguard ST Bond ETF	Equities	921937827	239,041	3,180	SH		SOLE		2,630	550	0
Vanguard Total Stock Market ETF	Equities	922908769	1,208,400	5,689	SH		SOLE		4,787	0	902
Vanguard Value ETF	Equities	922908744	220,136	1,596	SH		SOLE		1,596	0	0
VeriSign Inc	Equities	92343e102	503,085	2,484	SH		SOLE		2,484	0	0
Verizon Communications Inc	Equities	92343V104	746,305	23,027	SH		SOLE		20,785	0	2,242
Vertex Pharmaceuticals Inc	Equities	92532F100	420,765	1,210	SH		SOLE		1,210	0	0
Visa Inc - Class A Shares	Equities	92826C839	91,544	398	SH		DFND		398	0	0
Visa Inc - Class A Shares	Equities	92826C839	6,578,286	28,600	SH		SOLE		24,333	2,292	1,975
Wal Mart Stores Inc	Equities	931142103	580,706	3,631	SH		DFND		3,631	0	0
Wal Mart Stores Inc	Equities	931142103	4,150,184	25,950	SH		SOLE		24,810	0	1,140
Waste Management Inc	Equities	94106L109	496,040	3,254	SH		SOLE		2,589	0	665
WEC Energy Group Inc	Equities	92939U106	394,695	4,900	SH		DFND		4,900	0	0
WEC Energy Group Inc	Equities	92939U106	60,251	748	SH		SOLE		748	0	0
Wells Fargo & Co	Equities	949746101	342,815	8,390	SH		SOLE		8,390	0	0
Welltower Inc.	Equities	95040Q104	490,701	5,990	SH		DFND		5,990	0	0
Welltower Inc.	Equities	95040Q104	2,289,336	27,946	SH		SOLE		25,198	0	2,748
WEX Inc	Equities	96208T104	2,533,572	13,470	SH		SOLE		13,470	0	0
Whirlpool Corp	Equities	963320106	346,952	2,595	SH		SOLE		2,595	0	0
WisdomTree LargeCap Dividend Fu	Equities	97717W307	329,880	5,365	SH		SOLE		2,324	0	3,041
WisdomTree SmallCap Dividend Fu	Equities	97717W604	744,781	26,411	SH		SOLE		25,934	0	477
WisdomTree U.S. ESG Fund	Equities	97717W596	363,102	8,220	SH		SOLE		625	0	7,595
WisdomTree US Quality Dividend	Equities	97717X669	316,180	4,980	SH		SOLE		4,980	0	0
Yum Brands Inc	Equities	988498101	400,808	3,208	SH		SOLE		3,208	0	0