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	54,460,272	498,173	SH		SOLE		498,173	0	0
Abbott Laboratories	Equities	002824100	80,351	730	SH		DFND		730	0	0
Abbott Laboratories	Equities	002824100	4,826,019	43,845	SH		SOLE		43,545	0	300
AbbVie Inc	Equities	00287Y109	2,480,760	16,008	SH		SOLE		16,008	0	0
Aberdeen Standard Bloomberg All	Equities	003261104	260,237	13,442	SH		SOLE		6,645	0	6,797
Accenture PLC	Equities	G1151C101	140,364	400	SH		DFND		400	0	0
Accenture PLC	Equities	G1151C101	2,048,262	5,837	SH		SOLE		5,837	0	0
Adobe Inc	Equities	00724F101	264,294	443	SH		SOLE		383	0	60
AFLAC Inc	Equities	001055102	251,213	3,045	SH		SOLE		3,045	0	0
Agilent Technologies Inc	Equities	00846U101	353,692	2,544	SH		SOLE		0	0	2,544
Agnico Eagle Mines LTD	Equities	008474108	472,807	8,620	SH		SOLE		8,620	0	0
Air Prods & Chems Inc	Equities	009158106	1,014,155	3,704	SH		SOLE		3,704	0	0
Alphabet Inc CL A	Equities	02079K305	6,273,199	44,908	SH		SOLE		44,248	0	660
Alphabet Inc CL C	Equities	02079K107	14,093	100	SH		DFND		100	0	0
Alphabet Inc CL C	Equities	02079K107	15,606,729	110,741	SH		SOLE		100,105	7,820	2,816
Altria Group Inc	Equities	02209S103	506,953	12,567	SH		SOLE		9,963	0	2,604
Altus Power Inc	Equities	02217A102	69,215	10,134	SH		SOLE		10,134	0	0
Amazon Com Inc	Equities	023135106	11,851	78	SH		DFND		78	0	0
Amazon Com Inc	Equities	023135106	9,315,138	61,308	SH		SOLE		55,639	3,677	1,992
American Express Co	Equities	025816109	1,429,779	7,632	SH		SOLE		7,632	0	0
American Tower Reit Com	Equities	03027X100	556,755	2,579	SH		SOLE		2,494	0	85
Ameriprise Finl Inc	Equities	03076C106	640,014	1,685	SH		SOLE		1,685	0	0
Amgen Inc	Equities	031162100	2,414,760	8,384	SH		SOLE		8,294	0	90
Apple Inc	Equities	037833100	108,972	566	SH		DFND		566	0	0
Apple Inc	Equities	037833100	40,804,038	211,936	SH		SOLE		200,622	4,071	7,243
Arthur J. Gallagher & Co.	Equities	363576109	268,732	1,195	SH		SOLE		995	0	200
AT&T Inc	Equities	00206R102	297,342	17,720	SH		DFND		17,720	0	0
AT&T Inc	Equities	00206R102	1,721,292	102,580	SH		SOLE		93,602	0	8,978
Automatic Data Processing Inc	Equities	053015103	5,338,275	22,914	SH		SOLE		22,914	0	0
AutoZone, Inc.	Equities	053332102	387,842	151	SH		SOLE		151	0	0
Bank Of America Corporation	Equities	060505104	505,791	15,022	SH		SOLE		14,653	0	369
Bank of New York Mellon Corp	Equities	064058100	209,241	4,020	SH		SOLE		4,020	0	0
Becton Dickinson and Company	Equities	075887109	1,350,818	5,540	SH		SOLE		5,540	0	0
Berkshire Hathaway Inc	Equities	084670108	7,054,125	13	SH		SOLE		13	0	0
Berkshire Hathaway Inc - CL B	Equities	084670702	841,004	2,358	SH		DFND		2,358	0	0
Berkshire Hathaway Inc - CL B	Equities	084670702	30,741,595	86,193	SH		SOLE		83,386	2,115	692
Biotech Select Sector SPDR ETF	Equities	78464A870	248,137	2,779	SH		SOLE		2,025	0	754
BlackRock, Inc	Equities	09247X101	484,645	597	SH		DFND		597	0	0
BlackRock, Inc	Equities	09247X101	7,675,569	9,455	SH		SOLE		8,296	797	362
Boeing Co	Equities	097023105	359,189	1,378	SH		SOLE		1,378	0	0
Booking Holdings Inc	Equities	09857L108	698,802	197	SH		SOLE		197	0	0
Bristol Myers Squibb Co	Equities	110122108	961,601	18,741	SH		SOLE		18,741	0	0
Broadcom Inc.	Equities	11135F101	1,201,085	1,076	SH		SOLE		1,057	0	19
Caterpillar Inc Del	Equities	149123101	606,124	2,050	SH		DFND		2,050	0	0
Caterpillar Inc Del	Equities	149123101	6,256,377	21,160	SH		SOLE		21,160	0	0
Charter Communications, Inc.	Equities	16119P108	11,272	29	SH		DFND		29	0	0
Charter Communications, Inc.	Equities	16119P108	5,537,135	14,246	SH		SOLE		12,133	1,743	370
Chevron Corporation	Equities	166764100	342,173	2,294	SH		DFND		2,294	0	0
Chevron Corporation	Equities	166764100	7,527,807	50,468	SH		SOLE		46,074	2,985	1,409
Chubb Limited	Equities	H1467J104	760,038	3,363	SH		SOLE		3,273	0	90
Church & Dwight Inc	Equities	171340102	4,525,169	47,855	SH		SOLE		46,855	0	1,000
Cigna Corporation	Equities	125523100	389,584	1,301	SH		SOLE		1,301	0	0
Cisco Systems Inc	Equities	17275R102	501,916	9,935	SH		DFND		9,935	0	0
Cisco Systems Inc	Equities	17275R102	3,457,841	68,445	SH		SOLE		63,531	0	4,914
Coca Cola Co	Equities	191216100	1,075,767	18,255	SH		SOLE		18,165	0	90
Colgate Palmolive Co	Equities	194162103	596,789	7,487	SH		SOLE		7,413	0	74
Comcast Corp New Cl A	Equities	20030N101	1,588,729	36,231	SH		SOLE		24,134	11,347	750
ConocoPhillips	Equities	20825C104	302,246	2,604	SH		SOLE		2,604	0	0
Constellation Brands Inc - Clas	Equities	21036P108	372,537	1,541	SH		SOLE		1,541	0	0
Consumer Discretionary Select S	Equities	81369Y407	22,988,886	128,566	SH		SOLE		126,074	190	2,302
Consumer Staples Select Sector	Equities	81369Y308	7,799,120	108,276	SH		SOLE		106,437	0	1,839
Copart, Inc.	Equities	217204106	246,078	5,022	SH		SOLE		5,022	0	0
Corteva, Inc.	Equities	22052L104	25,062	523	SH		DFND		523	0	0
Corteva, Inc.	Equities	22052L104	397,401	8,293	SH		SOLE		8,293	0	0
Costco Wholesale Corp	Equities	22160K105	43,565	66	SH		DFND		66	0	0
Costco Wholesale Corp	Equities	22160K105	5,742,696	8,700	SH		SOLE		7,907	623	170
CRA International, Inc.	Equities	12618T105	1,953,375	19,761	SH		SOLE		19,761	0	0
Crown Castle International Corp	Equities	22822V101	327,716	2,845	SH		DFND		2,845	0	0
Crown Castle International Corp	Equities	22822V101	1,865,387	16,194	SH		SOLE		14,698	0	1,496
CVS Health Corporation	Equities	126650100	576,408	7,300	SH		DFND		7,300	0	0
CVS Health Corporation	Equities	126650100	2,718,830	34,433	SH		SOLE		31,718	0	2,715
Danaher Corp Del	Equities	235851102	1,039,873	4,495	SH		SOLE		4,315	0	180
Deere & Co	Equities	244199105	9,997	25	SH		DFND		25	0	0
Deere & Co	Equities	244199105	5,129,532	12,828	SH		SOLE		11,409	1,102	317
Diageo plc Sponsored ADR	Equities	25243Q205	296,855	2,038	SH		SOLE		2,000	0	38
Dominion Energy Inc	Equities	25746U109	21,150	450	SH		DFND		450	0	0
Dominion Energy Inc	Equities	25746U109	192,042	4,086	SH		SOLE		4,086	0	0
Domino's Pizza, Inc.	Equities	25754A201	451,392	1,095	SH		SOLE		1,095	0	0
Dow Inc.	Equities	260557103	459,175	8,373	SH		DFND		8,373	0	0
Dow Inc.	Equities	260557103	2,488,255	45,373	SH		SOLE		42,769	0	2,604
Duke Energy Corp New Com	Equities	26441C204	470,644	4,850	SH		SOLE		4,693	0	157
DuPont de Nemours Inc	Equities	26614N102	40,234	523	SH		DFND		523	0	0
DuPont de Nemours Inc	Equities	26614N102	697,832	9,071	SH		SOLE		9,071	0	0
Eaton Corporation plc	Equities	G29183103	48,164	200	SH		DFND		200	0	0
Eaton Corporation plc	Equities	G29183103	393,982	1,636	SH		SOLE		1,436	0	200
Elevance Health, Inc.	Equities	036752103	231,064	490	SH		SOLE		340	0	150
Eli Lilly & Co	Equities	532457108	1,101,719	1,890	SH		DFND		1,890	0	0
Eli Lilly & Co	Equities	532457108	13,776,731	23,634	SH		SOLE		21,501	1,560	573
Emerson Elec Co	Equities	291011104	2,305,553	23,688	SH		SOLE		23,596	0	92
Energy Select Sector SPDR	Equities	81369Y506	654,204	7,803	SH		SOLE		7,153	0	650
Equifax Inc	Equities	294429105	772,781	3,125	SH		SOLE		3,125	0	0
Essential Utilities, Inc.	Equities	29670G102	515,990	13,815	SH		SOLE		13,815	0	0
Eversource Energy Com	Equities	30040W108	303,354	4,915	SH		SOLE		4,915	0	0
Exxon Mobil Corp	Equities	30231G102	7,633,873	76,354	SH		SOLE		71,682	0	4,672
FactSet Research Systems Inc.	Equities	303075105	1,393,940	2,922	SH		SOLE		2,922	0	0
Fastenal Company	Equities	311900104	556,115	8,586	SH		SOLE		8,586	0	0
Fidelity MSCI Information Techn	Equities	316092808	1,786,020	12,434	SH		SOLE		11,543	0	891
Fidelity Total Bond ETF	Equities	316188309	4,308,377	93,579	SH		SOLE		69,315	0	24,264
Financial Select Sector SPDR	Equities	81369Y605	12,321,332	327,695	SH		SOLE		315,814	0	11,881
First Trust Nasdaq ABA CBIF	Equities	33736Q104	436,801	8,765	SH		SOLE		8,765	0	0
Fiserv Inc	Equities	337738108	1,005,067	7,566	SH		SOLE		7,566	0	0
FT CBOE Vest US Equity Buffer -	Equities	33740F714	2,213,493	58,263	SH		SOLE		54,187	0	4,076
FT CBOE Vest US Equity Buffer -	Equities	33740U406	66,576,390	1,861,886	SH		SOLE		1,803,809	3,985	54,092
GE Healthcare Technologies Inc	Equities	36266G107	10,438	135	SH		DFND		135	0	0
GE Healthcare Technologies Inc	Equities	36266G107	4,854,382	62,783	SH		SOLE		55,314	5,650	1,819
General Electric Company	Equities	369604301	1,005,852	7,881	SH		SOLE		7,459	0	422
General Mills Inc	Equities	370334104	94,453	1,450	SH		DFND		1,450	0	0
General Mills Inc	Equities	370334104	611,534	9,388	SH		SOLE		9,388	0	0
Global X Uranium ETF	Equities	37954Y871	11,811,668	426,568	SH		SOLE		408,629	849	17,090
Goldman Sachs ActiveBeta Emergi	Equities	381430206	33,499,670	1,091,550	SH		SOLE		1,056,010	1,923	33,617
Goldman Sachs Group Inc	Equities	38141G104	486,456	1,261	SH		SOLE		1,233	0	28
GreenGro Technologies, Inc.	Equities	39526G107	1	10,000	SH		SOLE		10,000	0	0
Healthcare Select Sector SPDR	Equities	81369Y209	36,633,032	268,610	SH		SOLE		263,744	0	4,866
Hewlett Packard Enterprise Comp	Equities	42824C109	240,012	14,135	SH		SOLE		5,260	0	8,875
Home Depot Inc	Equities	437076102	649,088	1,873	SH		DFND		1,873	0	0
Home Depot Inc	Equities	437076102	15,248,200	44,000	SH		SOLE		40,594	2,141	1,265
Honeywell International Inc	Equities	438516106	2,424,667	11,562	SH		SOLE		11,495	0	67
HP Inc.	Equities	40434L105	410,072	13,628	SH		SOLE		6,528	0	7,100
Hubbell Incorporated	Equities	443510607	349,982	1,064	SH		SOLE		1,064	0	0
Idexx Laboratories Inc	Equities	45168D104	3,786,551	6,822	SH		SOLE		5,465	175	1,182
Illinois Tool Works Inc	Equities	452308109	1,069,763	4,084	SH		SOLE		3,605	0	479
Industrial Select Sector SPDR	Equities	81369Y704	7,273,588	63,809	SH		SOLE		62,620	89	1,100
Intel Corp	Equities	458140100	2,834,050	56,399	SH		SOLE		53,689	0	2,710
International Business Machines	Equities	459200101	2,916,260	17,831	SH		SOLE		17,831	0	0
Intuit Inc.	Equities	461202103	830,665	1,329	SH		SOLE		1,147	0	182
Invesco CurrencyShares Japanese	Equities	46138W107	8,551,088	129,936	SH		SOLE		121,749	266	7,921
Invesco QQQ Trust	Equities	46090E103	19,749,512	48,227	SH		SOLE		44,984	239	3,004
Invesco Russell 1000 Dynamic Mu	Equities	46138J619	1,467,087	28,537	SH		SOLE		27,016	0	1,521
Invesco S&P 500 GARP ETF	Equities	46137V431	6,025,636	61,461	SH		SOLE		59,595	0	1,866
Invesco S&P 500 Low Volatility	Equities	46138E354	17,358,449	277,026	SH		SOLE		253,957	1,817	21,252
Invesco S&P SmallCap Informatio	Equities	46138E115	1,396,596	28,945	SH		SOLE		28,945	0	0
iShares 0-3 Month Treasury Bond	Equities	46436E718	21,358	213	SH		DFND		213	0	0
iShares 0-3 Month Treasury Bond	Equities	46436E718	16,287,057	162,432	SH		SOLE		156,200	240	5,992
iShares Core 1-5 Year USD Bond	Equities	46432F859	73,766	1,551	SH		DFND		1,551	0	0
iShares Core 1-5 Year USD Bond	Equities	46432F859	57,492,193	1,208,835	SH		SOLE		1,152,801	1,750	54,284
iShares Core MSCI EAFE	Equities	46432F842	4,683,200	66,570	SH		SOLE		66,570	0	0
iShares Core MSCI Emerging Mark	Equities	46434G103	1,539,858	30,444	SH		SOLE		30,444	0	0
iShares Core S&P Mid-Cap ETF	Equities	464287507	3,462,158	12,492	SH		SOLE		11,697	64	731
iShares Core Total USD Bond Mar	Equities	46434V613	710,998	15,433	SH		SOLE		12,789	0	2,644
iShares Dow Jones US Consumer S	Equities	464287580	1,055,325	13,928	SH		SOLE		13,928	0	0
iShares Dow Jones US Medical De	Equities	464288810	694,162	12,862	SH		SOLE		10,426	0	2,436
iShares Dow Jones US Pharmaceut	Equities	464288836	1,099,619	5,931	SH		SOLE		5,931	0	0
iShares ESG Advanced MSCI USA E	Equities	46436E767	6,726,036	168,911	SH		SOLE		163,324	0	5,587
iShares ESG Aware MSCI EM ETF	Equities	46434G863	272,799	8,509	SH		SOLE		6,705	0	1,804
iShares ESG Aware MSCI USA ETF	Equities	46435G425	12,797,722	121,976	SH		SOLE		111,963	837	9,176
iShares ESG Aware MSCI USA Smal	Equities	46435U663	360,791	9,492	SH		SOLE		7,260	0	2,232
iShares ESG Aware U.S. Aggregat	Equities	46435U549	705,979	14,788	SH		SOLE		13,164	0	1,624
iShares ESG MSCI EAFE ETF	Equities	46435G516	88,671,798	1,173,839	SH		SOLE		1,134,711	2,067	37,061
iShares Global Clean Energy	Equities	464288224	1,999,344	128,410	SH		SOLE		122,378	0	6,032
iShares Gold Trust	Equities	464285204	16,192,415	414,871	SH		SOLE		391,947	490	22,434
iShares iBonds Dec 2024 Term Co	Equities	46434VBG4	2,866,718	115,083	SH		SOLE		108,099	1,917	5,067
iShares iBonds Dec 2024 Term Mu	Equities	46435U697	414,724	15,994	SH		SOLE		11,694	0	4,300
iShares iBonds Dec 2025 Term Co	Equities	46434VBD1	3,138,380	126,752	SH		SOLE		121,891	1,946	2,915
iShares iBonds Dec 2025 Term Mu	Equities	46435U432	391,114	14,734	SH		SOLE		6,716	0	8,018
iShares iBonds Dec 2026 Term Co	Equities	46435GAA0	3,387,251	141,726	SH		SOLE		136,852	2,040	2,834
iShares iBonds Dec 2026 Term Mu	Equities	46435U259	304,754	11,946	SH		SOLE		7,975	0	3,971
iShares iBonds Dec 2027 Term Co	Equities	46435UAA9	2,946,549	123,132	SH		SOLE		120,018	2,064	1,050
iShares iBonds Dec 2027 Term Mu	Equities	46435U283	234,403	9,223	SH		SOLE		7,243	0	1,980
iShares iBonds Dec 2028 Term Co	Equities	46435U515	2,315,456	92,286	SH		SOLE		89,693	1,993	600
iShares MSCI All Country Asia e	Equities	464288182	3,508,239	52,700	SH		SOLE		49,570	0	3,130
iShares MSCI Brazil ETF	Equities	464286400	9,403,471	268,978	SH		SOLE		259,987	546	8,445
iShares MSCI India	Equities	46429B598	11,061,908	226,632	SH		SOLE		217,553	461	8,618
iShares MSCI Taiwan ETF	Equities	46434G772	9,175,344	199,334	SH		SOLE		191,288	303	7,743
iShares MSCI USA ESG Select ETF	Equities	464288802	82,160,492	817,436	SH		SOLE		787,997	883	28,556
iShares National Amtfree Muni	Equities	464288414	1,785,079	16,466	SH		SOLE		16,041	425	0
iShares Russell 1000 Growth Ind	Equities	464287614	824,926	2,721	SH		SOLE		2,591	130	0
iShares Russell 1000 Value Inde	Equities	464287598	409,655	2,479	SH		SOLE		2,349	130	0
iShares Russell 3000 ETF	Equities	464287689	737,729	2,695	SH		SOLE		2,695	0	0
iShares Russell Midcap Index	Equities	464287499	392,537	5,050	SH		SOLE		5,050	0	0
iShares S&P 500 Index	Equities	464287200	518,706	1,086	SH		SOLE		1,086	0	0
iShares S&P 500 Value ETF	Equities	464287408	454,896	2,616	SH		SOLE		150	0	2,466
iShares S&P SmallCap 600 Index	Equities	464287804	3,906,093	36,084	SH		SOLE		36,084	0	0
iShares Semiconductor ETF	Equities	464287523	532,316	924	SH		SOLE		855	0	69
iShares Short Maturity Bond	Equities	46431W507	1,506,911	29,830	SH		SOLE		29,830	0	0
iShares Tr MSCI EAFE Index Fund	Equities	464287465	346,384	4,597	SH		SOLE		3,792	0	805
iShares TR Russell 1000 ETF	Equities	464287622	830,053	3,165	SH		SOLE		0	0	3,165
iShares Tr Russell 2000 Index F	Equities	464287655	2,106,050	10,493	SH		SOLE		10,197	0	296
iShares Trust S & P 100 Index F	Equities	464287101	295,098	1,321	SH		SOLE		1,321	0	0
iShares U.S. Technology ETF	Equities	464287721	650,943	5,303	SH		SOLE		1,055	0	4,248
Johnson & Johnson	Equities	478160104	67,398	430	SH		DFND		430	0	0
Johnson & Johnson	Equities	478160104	6,466,309	41,255	SH		SOLE		40,499	0	756
JPMorgan BetaBuilders Canada ET	Equities	46641Q225	1,357,677	21,175	SH		SOLE		19,941	0	1,234
JPMorgan BetaBuilders Japan ETF	Equities	46641Q217	6,682,330	127,234	SH		SOLE		121,659	216	5,359
JPMorgan Chase & Co	Equities	46625H100	622,736	3,661	SH		DFND		3,661	0	0
JPMorgan Chase & Co	Equities	46625H100	11,977,592	70,415	SH		SOLE		63,833	4,248	2,334
Keysight Technologies, Inc	Equities	49338L103	324,066	2,037	SH		SOLE		0	0	2,037
Kimberly Clark Corp	Equities	494368103	661,986	5,448	SH		SOLE		5,448	0	0
Kinder Morgan Inc	Equities	49456B101	452,378	25,645	SH		DFND		25,645	0	0
Kinder Morgan Inc	Equities	49456B101	2,047,845	116,091	SH		SOLE		106,022	0	10,069
KraneShares Global Carbon ETF	Equities	500767678	9,253,244	253,583	SH		SOLE		240,031	319	13,233
L3Harris Technologies Inc	Equities	502431109	642,391	3,050	SH		SOLE		3,050	0	0
Linde Plc	Equities	G54950103	1,228,844	2,992	SH		SOLE		2,992	0	0
Lockheed Martin Corp	Equities	539830109	281,462	621	SH		SOLE		560	0	61
Lowes Cos Inc	Equities	548661107	217,431	977	SH		SOLE		977	0	0
Manulife Finl Corp	Equities	56501R106	567,749	25,690	SH		DFND		25,690	0	0
Manulife Finl Corp	Equities	56501R106	2,257,405	102,145	SH		SOLE		94,439	0	7,706
Marathon Petroleum Corporation	Equities	56585A102	240,195	1,619	SH		SOLE		1,255	0	364
Mastercard Inc CL A	Equities	57636Q104	3,054,238	7,161	SH		SOLE		7,161	0	0
Materials Select Sector SPDR Tr	Equities	81369Y100	332,751	3,890	SH		SOLE		3,515	0	375
McDonalds Corp	Equities	580135101	524,823	1,770	SH		DFND		1,770	0	0
McDonalds Corp	Equities	580135101	3,731,282	12,584	SH		SOLE		11,710	0	874
Medtronics PLC	Equities	G5960L103	391,305	4,750	SH		DFND		4,750	0	0
Medtronics PLC	Equities	G5960L103	1,583,508	19,222	SH		SOLE		17,748	0	1,474
Merck & Co Inc New Com	Equities	58933Y105	4,533,815	41,587	SH		SOLE		41,309	0	278
Meta Platforms, Inc.	Equities	30303M102	592,175	1,673	SH		SOLE		1,552	0	121
Microsoft Corp	Equities	594918104	1,665,105	4,428	SH		DFND		4,428	0	0
Microsoft Corp	Equities	594918104	41,486,989	110,326	SH		SOLE		79,959	25,967	4,400
Mondelez International, Inc.	Equities	609207105	741,973	10,244	SH		SOLE		8,067	0	2,177
Monster Beverage Corporation	Equities	61174X109	221,222	3,840	SH		SOLE		3,840	0	0
Moody's Corp	Equities	615369105	697,150	1,785	SH		SOLE		1,785	0	0
MSA Safety Incorporated	Equities	553498106	305,245	1,808	SH		SOLE		1,808	0	0
Nestle S A Sponsored ADR	Equities	641069406	451,953	3,901	SH		DFND		3,901	0	0
Nestle S A Sponsored ADR	Equities	641069406	7,774,272	67,103	SH		SOLE		59,200	5,372	2,531
NextEra Energy Inc.	Equities	65339F101	310,381	5,110	SH		DFND		5,110	0	0
NextEra Energy Inc.	Equities	65339F101	7,081,312	116,584	SH		SOLE		103,493	8,253	4,838
Nike Inc Cl B	Equities	654106103	5,754	53	SH		DFND		53	0	0
Nike Inc Cl B	Equities	654106103	5,456,945	50,262	SH		SOLE		43,164	6,022	1,076
Novo Nordisk A/S - Spons ADR	Equities	670100205	988,982	9,560	SH		SOLE		9,560	0	0
NVIDIA Corporation	Equities	67066G104	5,406,812	10,918	SH		SOLE		10,474	0	444
Oracle Corp	Equities	68389X105	1,437,011	13,630	SH		SOLE		13,630	0	0
Otis Worldwide Corporation	Equities	68902V107	269,305	3,010	SH		SOLE		3,010	0	0
Pacer US Cash Cows 100 ETF	Equities	69374H881	4,602,519	88,527	SH		SOLE		85,631	0	2,896
Paychex Inc	Equities	704326107	530,754	4,456	SH		SOLE		4,254	0	202
Pepsico Inc	Equities	713448108	95,110	560	SH		DFND		560	0	0
Pepsico Inc	Equities	713448108	5,220,372	30,737	SH		SOLE		29,626	0	1,111
Pfizer Inc	Equities	717081103	353,973	12,295	SH		DFND		12,295	0	0
Pfizer Inc	Equities	717081103	2,126,573	73,865	SH		SOLE		69,834	0	4,031
Philip Morris International Inc	Equities	718172109	188,160	2,000	SH		DFND		2,000	0	0
Philip Morris International Inc	Equities	718172109	1,228,120	13,054	SH		SOLE		10,450	0	2,604
Phillips 66	Equities	718546104	506,997	3,808	SH		SOLE		3,308	0	500
PIMCO Enhanced Short Maturity E	Equities	72201R833	510,426	5,115	SH		SOLE		5,115	0	0
PNC Financial Services Group	Equities	693475105	590,753	3,815	SH		SOLE		3,815	0	0
Processa Pharmeceuticals Inc	Equities	74275C205	25,719	76,865	SH		SOLE		76,865	0	0
Procter & Gamble Co	Equities	742718109	498,236	3,400	SH		DFND		3,400	0	0
Procter & Gamble Co	Equities	742718109	5,863,212	40,011	SH		SOLE		39,966	0	45
Prologis Inc COM	Equities	74340W103	10,531	79	SH		DFND		79	0	0
Prologis Inc COM	Equities	74340W103	2,187,186	16,408	SH		SOLE		15,821	134	453
Public Storage Inc	Equities	74460D109	425,475	1,395	SH		DFND		1,395	0	0
Public Storage Inc	Equities	74460D109	5,370,440	17,608	SH		SOLE		14,486	2,244	878
Raytheon Technologies Corp	Equities	75513E101	447,204	5,315	SH		DFND		5,315	0	0
Raytheon Technologies Corp	Equities	75513E101	7,219,128	85,800	SH		SOLE		76,419	6,692	2,689
Real Estate Select Sector SPDR	Equities	81369Y860	313,550	7,827	SH		SOLE		7,827	0	0
Roper Industries, Inc.	Equities	776696106	387,616	711	SH		SOLE		611	0	100
Ross Stores, Inc.	Equities	778296103	470,526	3,400	SH		SOLE		3,400	0	0
S&P Global Inc.	Equities	78409V104	659,458	1,497	SH		SOLE		1,427	0	70
Salesforce.com, Inc.	Equities	79466L302	18,420	70	SH		DFND		70	0	0
Salesforce.com, Inc.	Equities	79466L302	7,798,680	29,637	SH		SOLE		26,492	2,399	746
Schlumberger Ltd	Equities	806857108	775,708	14,906	SH		SOLE		14,906	0	0
Shopify, Inc	Equities	82509L107	221,002	2,837	SH		SOLE		2,837	0	0
SPDR Bloomberg 1-3 month T Bill	Equities	78468R663	22,215,355	243,083	SH		SOLE		225,098	9,122	8,863
SPDR Gold Trust Gold Shs (MFC)	Equities	78463v107	730,078	3,819	SH		SOLE		3,819	0	0
SPDR Health Care Services	Equities	78464A573	725,654	8,158	SH		SOLE		8,065	0	93
SPDR Kensho Clean Power ETF	Equities	78468R655	3,888,523	54,203	SH		SOLE		52,228	108	1,867
SPDR Portfolio Long Term Treasu	Equities	78464A664	57,721	1,989	SH		DFND		1,989	0	0
SPDR Portfolio Long Term Treasu	Equities	78464A664	43,196,473	1,488,507	SH		SOLE		1,434,639	2,245	51,623
SPDR Portfolio S&P 600 Small Ca	Equities	78468R853	25,863,004	613,158	SH		SOLE		586,036	747	26,375
SPDR S&P 500 ETF Trust	Equities	78462F103	13,780,188	28,992	SH		SOLE		28,139	75	778
SPDR S&P 500 Fossil Fuel Reserv	Equities	78468R796	10,454,909	269,387	SH		SOLE		247,928	0	21,459
SPDR S&P Midcap 400 ETF Tr Ser	Equities	78467Y107	2,416,926	4,764	SH		SOLE		3,912	0	852
Starbucks Corp	Equities	855244109	542,745	5,653	SH		SOLE		5,553	0	100
Steel Dynamics, Inc.	Equities	858119100	10,157	86	SH		DFND		86	0	0
Steel Dynamics, Inc.	Equities	858119100	6,592,933	55,825	SH		SOLE		47,379	6,746	1,700
Stryker Corp	Equities	863667101	778,895	2,601	SH		SOLE		2,501	0	100
Sysco Corp	Equities	871829107	269,338	3,683	SH		SOLE		3,683	0	0
Technology Select Sector SPDR	Equities	81369Y803	84,253,308	437,725	SH		SOLE		428,331	995	8,399
Tesla, Inc	Equities	88160R101	18,636	75	SH		DFND		75	0	0
Tesla, Inc	Equities	88160R101	697,483	2,807	SH		SOLE		1,837	600	370
Texas Instruments Inc	Equities	882508104	405,183	2,377	SH		DFND		2,377	0	0
Texas Instruments Inc	Equities	882508104	8,202,365	48,119	SH		SOLE		42,052	4,167	1,900
Textron Inc	Equities	883203101	241,260	3,000	SH		SOLE		3,000	0	0
The Walt Disney Company	Equities	254687106	627,154	6,946	SH		SOLE		6,946	0	0
Thermo Fisher Scientific Inc	Equities	883556102	464,441	875	SH		SOLE		794	0	81
TJX Companies Inc (The)	Equities	872540109	517,550	5,517	SH		SOLE		5,517	0	0
Trane Technologies plc	Equities	G8994E103	585,360	2,400	SH		SOLE		2,400	0	0
Travelers Companies Inc (The)	Equities	89417E109	362,883	1,905	SH		SOLE		1,905	0	0
Tyler Technologies, Inc.	Equities	902252105	254,635	609	SH		SOLE		598	0	11
Unilever PLC Sponsored ADR	Equities	904767704	428,321	8,835	SH		SOLE		8,375	0	460
Union Pacific Corp	Equities	907818108	1,731,621	7,050	SH		SOLE		7,050	0	0
United Parcel Service Inc Cl B	Equities	911312106	469,174	2,984	SH		DFND		2,984	0	0
United Parcel Service Inc Cl B	Equities	911312106	7,153,179	45,495	SH		SOLE		39,380	4,165	1,950
Unitedhealth Group Inc	Equities	91324P102	53,173	101	SH		DFND		101	0	0
Unitedhealth Group Inc	Equities	91324P102	6,999,945	13,296	SH		SOLE		11,134	1,867	295
US Bancorp	Equities	902973304	220,122	5,086	SH		SOLE		5,086	0	0
Utilities Select Sector SPDR	Equities	81369Y886	326,466	5,155	SH		SOLE		5,155	0	0
Vanguard 500 Index Fund	Equities	922908363	1,212,120	2,775	SH		SOLE		2,079	0	696
Vanguard Communication Services	Equities	92204A884	1,198,669	10,182	SH		SOLE		10,182	0	0
Vanguard Consumer Discretionary	Equities	92204A108	244,554	803	SH		SOLE		0	0	803
Vanguard Emerging Markets ETF	Equities	922042858	392,341	9,546	SH		SOLE		8,903	0	643
Vanguard ESG International Stoc	Equities	921910725	13,320,269	240,960	SH		SOLE		225,225	0	15,735
Vanguard Extended Market Index	Equities	922908652	356,006	2,165	SH		SOLE		352	0	1,813
Vanguard FTSE All-World Ex-US I	Equities	922042775	6,030,952	107,427	SH		SOLE		86,141	0	21,286
Vanguard FTSE All-World ex-US S	Equities	922042718	13,810,387	120,059	SH		SOLE		115,435	187	4,437
Vanguard FTSE Developed Markets	Equities	921943858	252,433	5,270	SH		SOLE		5,270	0	0
Vanguard Growth ETF	Equities	922908736	207,979	669	SH		SOLE		669	0	0
Vanguard Health Care Index Fund	Equities	92204A504	225,379	899	SH		SOLE		0	0	899
Vanguard Mega Cap 300 Value Ind	Equities	921910840	328,547	3,004	SH		SOLE		3,004	0	0
Vanguard Mid-Cap ETF	Equities	922908629	4,404,559	18,933	SH		SOLE		17,516	0	1,417
Vanguard Short Term Treasury ET	Equities	92206C102	362,813	6,220	SH		SOLE		5,248	0	972
Vanguard Short-Term Corporate B	Equities	92206C409	262,903	3,398	SH		SOLE		3,010	0	388
Vanguard Small-Cap Value ETF	Equities	922908611	6,607,059	36,712	SH		SOLE		36,712	0	0
Vanguard Small-Cap Vipers	Equities	922908751	417,273	1,956	SH		SOLE		1,065	45	846
Vanguard ST Bond ETF	Equities	921937827	244,924	3,180	SH		SOLE		2,630	550	0
Vanguard Total Stock Market ETF	Equities	922908769	1,314,436	5,541	SH		SOLE		4,664	0	877
Vanguard Value ETF	Equities	922908744	227,988	1,525	SH		SOLE		1,525	0	0
VeriSign Inc	Equities	92343e102	491,009	2,384	SH		SOLE		2,384	0	0
Verizon Communications Inc	Equities	92343V104	865,253	22,951	SH		SOLE		20,709	0	2,242
Vertex Pharmaceuticals Inc	Equities	92532F100	492,337	1,210	SH		SOLE		1,210	0	0
Visa Inc - Class A Shares	Equities	92826C839	103,619	398	SH		DFND		398	0	0
Visa Inc - Class A Shares	Equities	92826C839	7,479,074	28,727	SH		SOLE		24,804	2,292	1,631
Wal Mart Stores Inc	Equities	931142103	572,427	3,631	SH		DFND		3,631	0	0
Wal Mart Stores Inc	Equities	931142103	4,151,397	26,333	SH		SOLE		25,193	0	1,140
Waste Management Inc	Equities	94106L109	582,791	3,254	SH		SOLE		2,589	0	665
WEC Energy Group Inc	Equities	92939U106	412,433	4,900	SH		DFND		4,900	0	0
WEC Energy Group Inc	Equities	92939U106	62,959	748	SH		SOLE		748	0	0
Wells Fargo & Co	Equities	949746101	412,956	8,390	SH		SOLE		8,390	0	0
Welltower Inc.	Equities	95040Q104	540,118	5,990	SH		DFND		5,990	0	0
Welltower Inc.	Equities	95040Q104	2,431,885	26,970	SH		SOLE		24,319	0	2,651
WEX Inc	Equities	96208T104	12,768,900	65,633	SH		SOLE		65,633	0	0
Whirlpool Corp	Equities	963320106	315,993	2,595	SH		SOLE		2,595	0	0
WisdomTree LargeCap Dividend Fu	Equities	97717W307	356,114	5,365	SH		SOLE		2,324	0	3,041
WisdomTree SmallCap Dividend Fu	Equities	97717W604	849,631	26,411	SH		SOLE		25,934	0	477
WisdomTree U.S. ESG Fund	Equities	97717W596	364,244	7,405	SH		SOLE		550	0	6,855
WisdomTree US Quality Dividend	Equities	97717X669	349,994	4,980	SH		SOLE		4,980	0	0
Yum Brands Inc	Equities	988498101	419,157	3,208	SH		SOLE		3,208	0	0
Zoetis Inc.	Equities	98978V103	207,239	1,050	SH		SOLE		1,050	0	0