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
Estimated average burden
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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	49,247,814	481,924	SH		SOLE		481,924	0	0
Abbott Laboratories	Equities	002824100	72,737	700	SH		DFND		700	0	0
Abbott Laboratories	Equities	002824100	4,477,690	43,092	SH		SOLE		42,792	0	300
AbbVie Inc	Equities	00287Y109	2,742,776	15,991	SH		SOLE		15,991	0	0
Aberdeen Standard Bloomberg All	Equities	003261104	269,047	13,234	SH		SOLE		6,437	0	6,797
Accenture PLC	Equities	G1151C101	94,057	310	SH		DFND		310	0	0
Accenture PLC	Equities	G1151C101	1,774,645	5,849	SH		SOLE		5,849	0	0
Adobe Inc	Equities	00724F101	231,105	416	SH		SOLE		356	0	60
AFLAC Inc	Equities	001055102	314,818	3,525	SH		SOLE		3,525	0	0
Agilent Technologies Inc	Equities	00846U101	329,779	2,544	SH		SOLE		0	0	2,544
Agnico Eagle Mines LTD	Equities	008474108	225,368	3,446	SH		SOLE		3,446	0	0
Air Prods & Chems Inc	Equities	009158106	955,817	3,704	SH		SOLE		3,704	0	0
Alphabet Inc CL A	Equities	02079K305	8,103,489	44,488	SH		SOLE		43,728	0	760
Alphabet Inc CL C	Equities	02079K107	18,342	100	SH		DFND		100	0	0
Alphabet Inc CL C	Equities	02079K107	21,180,791	115,477	SH		SOLE		104,815	7,831	2,831
Altria Group Inc	Equities	02209S103	561,768	12,333	SH		SOLE		9,729	0	2,604
Altus Power Inc	Equities	02217A102	39,725	10,134	SH		SOLE		10,134	0	0
Amazon Com Inc	Equities	023135106	15,074	78	SH		DFND		78	0	0
Amazon Com Inc	Equities	023135106	14,054,300	72,726	SH		SOLE		63,816	5,703	3,207
American Express Co	Equities	025816109	1,772,284	7,654	SH		SOLE		7,654	0	0
American Tower Reit Com	Equities	03027X100	408,976	2,104	SH		SOLE		2,074	0	30
Ameriprise Finl Inc	Equities	03076C106	719,815	1,685	SH		SOLE		1,685	0	0
Amgen Inc	Equities	031162100	2,557,091	8,184	SH		SOLE		8,094	0	90
Apple Inc	Equities	037833100	119,211	566	SH		DFND		566	0	0
Apple Inc	Equities	037833100	46,249,203	219,586	SH		SOLE		204,495	5,733	9,358
Arthur J. Gallagher & Co.	Equities	363576109	309,875	1,195	SH		SOLE		995	0	200
AT&T Inc	Equities	00206R102	338,629	17,720	SH		DFND		17,720	0	0
AT&T Inc	Equities	00206R102	2,032,501	106,358	SH		SOLE		96,258	0	10,100
Automatic Data Processing Inc	Equities	053015103	5,549,304	23,249	SH		SOLE		23,224	0	25
AutoZone, Inc.	Equities	053332102	444,615	151	SH		SOLE		151	0	0
Bank Of America Corporation	Equities	060505104	597,425	15,022	SH		SOLE		14,653	0	369
Bank of New York Mellon Corp	Equities	064058100	240,758	4,020	SH		SOLE		4,020	0	0
Becton Dickinson and Company	Equities	075887109	1,063,381	4,550	SH		SOLE		4,550	0	0
Berkshire Hathaway Inc	Equities	084670108	7,959,133	13	SH		SOLE		13	0	0
Berkshire Hathaway Inc - CL B	Equities	084670702	959,234	2,358	SH		DFND		2,358	0	0
Berkshire Hathaway Inc - CL B	Equities	084670702	34,356,701	84,456	SH		SOLE		81,584	2,096	776
Biotech Select Sector SPDR ETF	Equities	78464A870	229,457	2,475	SH		SOLE		1,875	0	600
Blackrock Short Duration Bond E	Equities	46431W507	1,750,830	34,787	SH		SOLE		34,787	0	0
BlackRock US Equity Factor Rota	Equities	09290C103	8,011,813	170,682	SH		SOLE		155,773	1,393	13,516
BlackRock, Inc	Equities	09247X101	470,030	597	SH		DFND		597	0	0
BlackRock, Inc	Equities	09247X101	7,386,636	9,382	SH		SOLE		8,198	797	387
Boeing Co	Equities	097023105	250,810	1,378	SH		SOLE		1,378	0	0
Booking Holdings Inc	Equities	09857L108	780,416	197	SH		SOLE		197	0	0
Bristol Myers Squibb Co	Equities	110122108	632,502	15,230	SH		SOLE		15,230	0	0
Broadcom Inc.	Equities	11135F101	6,499,185	4,048	SH		SOLE		3,432	472	144
Caterpillar Inc Del	Equities	149123101	682,855	2,050	SH		DFND		2,050	0	0
Caterpillar Inc Del	Equities	149123101	7,048,396	21,160	SH		SOLE		21,160	0	0
Chevron Corporation	Equities	166764100	360,548	2,305	SH		DFND		2,305	0	0
Chevron Corporation	Equities	166764100	8,786,894	56,175	SH		SOLE		49,071	4,922	2,182
Chubb Limited	Equities	H1467J104	867,527	3,401	SH		SOLE		3,273	0	128
Church & Dwight Inc	Equities	171340102	4,961,606	47,855	SH		SOLE		46,855	0	1,000
Cigna Corporation	Equities	125523100	320,983	971	SH		SOLE		971	0	0
Cisco Systems Inc	Equities	17275R102	472,012	9,935	SH		DFND		9,935	0	0
Cisco Systems Inc	Equities	17275R102	3,209,205	67,548	SH		SOLE		63,469	0	4,079
Coca Cola Co	Equities	191216100	1,200,694	18,864	SH		SOLE		18,774	0	90
Colgate Palmolive Co	Equities	194162103	726,538	7,487	SH		SOLE		7,413	0	74
Comcast Corp New Cl A	Equities	20030N101	1,408,429	35,966	SH		SOLE		23,869	11,347	750
Communication Services Select S	Equities	81369Y852	11,713,234	136,741	SH		SOLE		133,630	0	3,111
ConocoPhillips	Equities	20825C104	258,270	2,258	SH		SOLE		2,170	0	88
Constellation Brands Inc - Clas	Equities	21036P108	364,566	1,417	SH		SOLE		1,417	0	0
Consumer Discretionary Select S	Equities	81369Y407	22,677,792	124,330	SH		SOLE		121,940	190	2,200
Consumer Staples Select Sector	Equities	81369Y308	8,113,881	105,953	SH		SOLE		104,300	0	1,653
Copart, Inc.	Equities	217204106	282,824	5,222	SH		SOLE		5,022	0	200
Corning Inc	Equities	219350105	24,281	625	SH		DFND		625	0	0
Corning Inc	Equities	219350105	188,578	4,854	SH		SOLE		4,854	0	0
Corteva, Inc.	Equities	22052L104	26,970	500	SH		DFND		500	0	0
Corteva, Inc.	Equities	22052L104	383,945	7,118	SH		SOLE		7,118	0	0
Costco Wholesale Corp	Equities	22160K105	56,099	66	SH		DFND		66	0	0
Costco Wholesale Corp	Equities	22160K105	6,673,271	7,851	SH		SOLE		7,067	620	164
CRA International, Inc.	Equities	12618T105	7,002,637	40,661	SH		SOLE		40,661	0	0
Crown Castle International Corp	Equities	22822V101	277,957	2,845	SH		DFND		2,845	0	0
Crown Castle International Corp	Equities	22822V101	1,604,039	16,418	SH		SOLE		14,672	0	1,746
CVS Health Corporation	Equities	126650100	431,138	7,300	SH		DFND		7,300	0	0
CVS Health Corporation	Equities	126650100	1,846,747	31,269	SH		SOLE		28,313	0	2,956
Danaher Corp Del	Equities	235851102	1,101,589	4,409	SH		SOLE		4,179	0	230
Deere & Co	Equities	244199105	9,341	25	SH		DFND		25	0	0
Deere & Co	Equities	244199105	5,505,812	14,736	SH		SOLE		13,016	1,109	611
Dell Technologies Inc	Equities	24703L202	209,623	1,520	SH		SOLE		1,392	128	0
Dominion Energy Inc	Equities	25746U109	22,050	450	SH		DFND		450	0	0
Dominion Energy Inc	Equities	25746U109	206,143	4,207	SH		SOLE		4,207	0	0
Domino's Pizza, Inc.	Equities	25754A201	565,381	1,095	SH		SOLE		1,095	0	0
Dow Inc.	Equities	260557103	444,188	8,373	SH		DFND		8,373	0	0
Dow Inc.	Equities	260557103	2,448,788	46,160	SH		SOLE		43,074	0	3,086
Duke Energy Corp New Com	Equities	26441C204	486,116	4,850	SH		SOLE		4,693	0	157
DuPont de Nemours Inc	Equities	26614N102	42,096	523	SH		DFND		523	0	0
DuPont de Nemours Inc	Equities	26614N102	731,332	9,086	SH		SOLE		9,086	0	0
Eaton Corporation plc	Equities	G29183103	62,710	200	SH		DFND		200	0	0
Eaton Corporation plc	Equities	G29183103	518,298	1,653	SH		SOLE		1,453	0	200
Elevance Health, Inc.	Equities	036752103	236,793	437	SH		SOLE		287	0	150
Eli Lilly & Co	Equities	532457108	1,367,124	1,510	SH		DFND		1,510	0	0
Eli Lilly & Co	Equities	532457108	14,999,430	16,567	SH		SOLE		14,949	1,155	463
Emerson Elec Co	Equities	291011104	2,663,448	24,178	SH		SOLE		24,086	0	92
Energy Select Sector SPDR	Equities	81369Y506	711,243	7,803	SH		SOLE		7,153	0	650
Equifax Inc	Equities	294429105	693,436	2,860	SH		SOLE		2,860	0	0
Eversource Energy Com	Equities	30040W108	278,730	4,915	SH		SOLE		4,915	0	0
Exxon Mobil Corp	Equities	30231G102	8,724,830	75,789	SH		SOLE		72,148	0	3,641
FactSet Research Systems Inc.	Equities	303075105	1,192,965	2,922	SH		SOLE		2,922	0	0
Fastenal Company	Equities	311900104	539,544	8,586	SH		SOLE		8,586	0	0
Fidelity MSCI Health Care Index	Equities	316092600	4,330,718	63,130	SH		SOLE		57,883	464	4,783
Fidelity MSCI Information Techn	Equities	316092808	2,114,670	12,329	SH		SOLE		11,438	0	891
Fidelity Total Bond ETF	Equities	316188309	5,005,337	111,403	SH		SOLE		86,106	0	25,297
Financial Select Sector SPDR	Equities	81369Y605	12,899,455	313,779	SH		SOLE		306,227	0	7,552
First Trust Nasdaq ABA CBIF	Equities	33736Q104	264,217	5,745	SH		SOLE		5,745	0	0
Fiserv Inc	Equities	337738108	1,098,574	7,371	SH		SOLE		7,371	0	0
FT CBOE Vest US Equity Buffer -	Equities	33740F714	2,097,780	51,303	SH		SOLE		50,473	0	830
FT CBOE Vest US Equity Buffer -	Equities	33740U406	72,361,723	1,878,925	SH		SOLE		1,809,155	3,985	65,785
GE Aerospace	Equities	369604301	1,304,349	8,205	SH		SOLE		7,964	0	241
GE Healthcare Technologies Inc	Equities	36266G107	10,519	135	SH		DFND		135	0	0
GE Healthcare Technologies Inc	Equities	36266G107	5,597,617	71,838	SH		SOLE		61,913	6,505	3,420
GE Vernova Inc	Equities	36828A101	350,395	2,043	SH		SOLE		1,983	0	60
General Dynamics Corp	Equities	369550108	217,605	750	SH		SOLE		750	0	0
General Mills Inc	Equities	370334104	88,564	1,400	SH		DFND		1,400	0	0
General Mills Inc	Equities	370334104	593,885	9,388	SH		SOLE		9,388	0	0
Global Partners LP	Equities	37946R109	203,054	4,450	SH		SOLE		4,450	0	0
Global X Uranium ETF	Equities	37954Y871	10,085,862	348,389	SH		SOLE		331,658	570	16,161
Goldman Sachs ActiveBeta Emergi	Equities	381430206	35,883,454	1,098,361	SH		SOLE		1,057,261	1,923	39,177
Goldman Sachs Group Inc	Equities	38141G104	525,144	1,161	SH		SOLE		1,133	0	28
GreenGro Technologies, Inc.	Equities	39526G107	0	10,000	SH		SOLE		10,000	0	0
Healthcare Select Sector SPDR	Equities	81369Y209	38,276,282	262,616	SH		SOLE		257,927	0	4,689
Hewlett Packard Enterprise Comp	Equities	42824C109	299,238	14,135	SH		SOLE		5,260	0	8,875
Home Depot Inc	Equities	437076102	644,762	1,873	SH		DFND		1,873	0	0
Home Depot Inc	Equities	437076102	15,168,591	44,064	SH		SOLE		40,431	2,141	1,492
Honeywell International Inc	Equities	438516106	2,407,023	11,272	SH		SOLE		11,205	0	67
HP Inc.	Equities	40434L105	477,259	13,628	SH		SOLE		6,528	0	7,100
Hubbell Incorporated	Equities	443510607	377,906	1,034	SH		SOLE		1,034	0	0
Idexx Laboratories Inc	Equities	45168D104	2,571,442	5,278	SH		SOLE		5,228	0	50
Illinois Tool Works Inc	Equities	452308109	967,271	4,082	SH		SOLE		3,624	0	458
Industrial Select Sector SPDR	Equities	81369Y704	7,296,966	59,875	SH		SOLE		59,428	89	358
Ingersoll Rand Inc.	Equities	45687V106	218,924	2,410	SH		SOLE		2,410	0	0
Intel Corp	Equities	458140100	1,653,055	53,376	SH		SOLE		52,776	0	600
International Business Machines	Equities	459200101	3,045,304	17,608	SH		SOLE		17,608	0	0
Intuit Inc.	Equities	461202103	835,314	1,271	SH		SOLE		1,064	0	207
Invesco QQQ Trust	Equities	46090E103	21,337,643	44,537	SH		SOLE		40,984	207	3,346
Invesco Russell 1000 Dynamic Mu	Equities	46138J619	912,119	17,377	SH		SOLE		14,017	0	3,360
Invesco S&P 500 GARP ETF	Equities	46137V431	6,295,994	61,257	SH		SOLE		58,602	0	2,655
Invesco S&P 500 Low Volatility	Equities	46138E354	1,698,962	26,158	SH		SOLE		24,635	0	1,523
Invesco S&P SmallCap Informatio	Equities	46138E115	1,181,510	25,300	SH		SOLE		25,300	0	0
iShares 0-3 Month Treasury Bond	Equities	46436E718	21,451	213	SH		DFND		213	0	0
iShares 0-3 Month Treasury Bond	Equities	46436E718	16,769,726	166,515	SH		SOLE		159,250	283	6,982
iShares Core 1-5 Year USD Bond	Equities	46432F859	73,471	1,551	SH		DFND		1,551	0	0
iShares Core 1-5 Year USD Bond	Equities	46432F859	58,972,524	1,244,934	SH		SOLE		1,186,420	2,062	56,452
iShares Core MSCI EAFE	Equities	46432F842	5,024,146	69,165	SH		SOLE		69,165	0	0
iShares Core MSCI Emerging Mark	Equities	46434G103	1,670,778	31,212	SH		SOLE		31,212	0	0
iShares Core S&P Mid-Cap ETF	Equities	464287507	1,249,109	21,345	SH		SOLE		20,690	0	655
iShares Core Total USD Bond Mar	Equities	46434V613	563,486	12,461	SH		SOLE		12,286	0	175
iShares Dow Jones US Consumer S	Equities	464287580	1,132,068	13,928	SH		SOLE		13,928	0	0
iShares Dow Jones US Medical De	Equities	464288810	720,786	12,862	SH		SOLE		10,426	0	2,436
iShares Dow Jones US Pharmaceut	Equities	464288836	1,082,608	16,324	SH		SOLE		16,324	0	0
iShares ESG Advanced MSCI USA E	Equities	46436E767	7,642,287	164,068	SH		SOLE		158,531	0	5,537
iShares ESG Aware MSCI EM ETF	Equities	46434G863	313,237	9,342	SH		SOLE		7,448	0	1,894
iShares ESG Aware MSCI USA ETF	Equities	46435G425	3,600,958	30,179	SH		SOLE		28,732	0	1,447
iShares ESG Aware MSCI USA Smal	Equities	46435U663	377,223	9,798	SH		SOLE		7,542	0	2,256
iShares ESG Aware U.S. Aggregat	Equities	46435U549	658,739	14,133	SH		SOLE		12,295	0	1,838
iShares ESG MSCI EAFE ETF	Equities	46435G516	93,694,078	1,189,313	SH		SOLE		1,141,187	2,067	46,059
iShares Global Clean Energy	Equities	464288224	1,886,405	141,622	SH		SOLE		135,590	0	6,032
iShares Gold Trust	Equities	464285204	17,585,926	400,317	SH		SOLE		381,815	490	18,012
iShares iBonds Dec 2024 Term Co	Equities	46434VBG4	3,129,640	124,538	SH		SOLE		118,659	1,917	3,962
iShares iBonds Dec 2024 Term Mu	Equities	46435U697	337,647	12,964	SH		SOLE		12,964	0	0
iShares iBonds Dec 2025 Term Co	Equities	46434VBD1	4,245,889	170,792	SH		SOLE		161,901	1,946	6,945
iShares iBonds Dec 2025 Term Mu	Equities	46435U432	643,188	24,285	SH		SOLE		13,745	0	10,540
iShares iBonds Dec 2026 Term Co	Equities	46435GAA0	5,170,584	217,069	SH		SOLE		201,898	2,040	13,131
iShares iBonds Dec 2026 Term Mu	Equities	46435U259	807,733	31,901	SH		SOLE		21,290	0	10,611
iShares iBonds Dec 2027 Term Co	Equities	46435UAA9	5,324,087	224,361	SH		SOLE		212,257	2,064	10,040
iShares iBonds Dec 2027 Term Mu	Equities	46435U283	705,282	28,200	SH		SOLE		20,130	0	8,070
iShares iBonds Dec 2028 Term Co	Equities	46435U515	3,501,760	141,371	SH		SOLE		137,773	1,993	1,605
iShares iBonds Dec 2028 Term Mu	Equities	46435U325	455,364	18,200	SH		SOLE		10,190	0	8,010
iShares iBonds Dec 2029 Term Co	Equities	46436E205	709,503	31,297	SH		SOLE		30,397	900	0
iShares MSCI All Country Asia e	Equities	464288182	3,681,921	51,152	SH		SOLE		48,002	0	3,150
iShares MSCI Brazil ETF	Equities	464286400	7,524,578	275,323	SH		SOLE		263,115	546	11,662
iShares MSCI India	Equities	46429B598	12,980,564	232,710	SH		SOLE		221,692	461	10,557
iShares MSCI Taiwan ETF	Equities	46434G772	10,804,511	199,382	SH		SOLE		190,379	303	8,700
iShares MSCI USA ESG Select ETF	Equities	464288802	78,747,885	700,791	SH		SOLE		681,244	0	19,547
iShares National Amtfree Muni	Equities	464288414	1,709,169	16,041	SH		SOLE		16,041	0	0
iShares Russell 1000 Growth Ind	Equities	464287614	991,832	2,721	SH		SOLE		2,591	130	0
iShares Russell 1000 Value Inde	Equities	464287598	435,128	2,494	SH		SOLE		2,349	130	15
iShares Russell 3000 ETF	Equities	464287689	831,866	2,695	SH		SOLE		2,695	0	0
iShares Russell Midcap Index	Equities	464287499	421,778	5,202	SH		SOLE		5,202	0	0
iShares S&P 500 Index	Equities	464287200	946,161	1,729	SH		SOLE		1,678	0	51
iShares S&P 500 Value ETF	Equities	464287408	476,138	2,616	SH		SOLE		150	0	2,466
iShares S&P SmallCap 600 Index	Equities	464287804	3,957,086	37,100	SH		SOLE		37,051	0	49
iShares Semiconductor ETF	Equities	464287523	5,119,052	20,756	SH		SOLE		18,560	133	2,063
iShares Tr MSCI EAFE Index Fund	Equities	464287465	518,075	6,614	SH		SOLE		5,809	0	805
iShares TR Russell 1000 ETF	Equities	464287622	941,714	3,165	SH		SOLE		0	0	3,165
iShares Tr Russell 2000 Index F	Equities	464287655	2,119,186	10,445	SH		SOLE		10,149	0	296
iShares Trust S & P 100 Index F	Equities	464287101	349,140	1,321	SH		SOLE		1,321	0	0
iShares U.S. Technology ETF	Equities	464287721	798,102	5,303	SH		SOLE		1,055	0	4,248
Johnson & Johnson	Equities	478160104	62,849	430	SH		DFND		430	0	0
Johnson & Johnson	Equities	478160104	5,732,103	39,218	SH		SOLE		38,579	0	639
JP Morgan Mkt Expansion Enhance	Equities	46641Q118	201,299	3,554	SH		SOLE		3,554	0	0
JPMorgan BetaBuilders Canada ET	Equities	46641Q225	1,338,512	20,603	SH		SOLE		19,369	0	1,234
JPMorgan BetaBuilders Japan ETF	Equities	46641Q217	9,532,551	168,927	SH		SOLE		160,416	349	8,162
JPMorgan Chase & Co	Equities	46625H100	740,474	3,661	SH		DFND		3,661	0	0
JPMorgan Chase & Co	Equities	46625H100	13,631,313	67,395	SH		SOLE		60,703	4,244	2,448
Keysight Technologies, Inc	Equities	49338L103	264,885	1,937	SH		SOLE		0	0	1,937
Kimberly Clark Corp	Equities	494368103	815,104	5,898	SH		SOLE		5,898	0	0
Kinder Morgan Inc	Equities	49456B101	509,566	25,645	SH		DFND		25,645	0	0
Kinder Morgan Inc	Equities	49456B101	2,343,408	117,937	SH		SOLE		106,789	0	11,148
KraneShares Global Carbon ETF	Equities	500767678	2,032,611	62,465	SH		SOLE		61,154	0	1,311
L3Harris Technologies Inc	Equities	502431109	684,969	3,050	SH		SOLE		3,050	0	0
Linde Plc	Equities	G54950103	1,285,713	2,930	SH		SOLE		2,900	0	30
Lockheed Martin Corp	Equities	539830109	290,069	621	SH		SOLE		560	0	61
Lowes Cos Inc	Equities	548661107	203,485	923	SH		SOLE		923	0	0
Manulife Finl Corp	Equities	56501R106	683,868	25,690	SH		DFND		25,690	0	0
Manulife Finl Corp	Equities	56501R106	2,728,444	102,496	SH		SOLE		93,985	0	8,511
Marathon Petroleum Corporation	Equities	56585A102	366,737	2,114	SH		SOLE		1,775	0	339
Mastercard Inc CL A	Equities	57636Q104	3,023,269	6,853	SH		SOLE		6,853	0	0
Materials Select Sector SPDR Tr	Equities	81369Y100	343,526	3,890	SH		SOLE		3,515	0	375
McDonalds Corp	Equities	580135101	451,067	1,770	SH		DFND		1,770	0	0
McDonalds Corp	Equities	580135101	3,257,110	12,781	SH		SOLE		11,815	0	966
Medtronics PLC	Equities	G5960L103	373,873	4,750	SH		DFND		4,750	0	0
Medtronics PLC	Equities	G5960L103	1,566,014	19,896	SH		SOLE		18,147	0	1,749
Merck & Co Inc New Com	Equities	58933Y105	5,209,380	42,079	SH		SOLE		41,701	0	378
Meta Platforms, Inc.	Equities	30303M102	841,543	1,669	SH		SOLE		1,518	0	151
Microchip Technology Inc	Equities	595017104	9,516	104	SH		DFND		104	0	0
Microchip Technology Inc	Equities	595017104	193,980	2,120	SH		SOLE		1,600	0	520
Microsoft Corp	Equities	594918104	1,934,400	4,328	SH		DFND		4,328	0	0
Microsoft Corp	Equities	594918104	50,775,308	113,604	SH		SOLE		84,181	25,407	4,016
Mondelez International, Inc.	Equities	609207105	665,459	10,169	SH		SOLE		8,067	0	2,102
Moody's Corp	Equities	615369105	774,511	1,840	SH		SOLE		1,840	0	0
MSA Safety Incorporated	Equities	553498106	339,344	1,808	SH		SOLE		1,808	0	0
Nestle S A Sponsored ADR	Equities	641069406	398,175	3,901	SH		DFND		3,901	0	0
Nestle S A Sponsored ADR	Equities	641069406	7,133,155	69,885	SH		SOLE		61,287	5,402	3,196
NextEra Energy Inc.	Equities	65339F101	356,174	5,030	SH		DFND		5,030	0	0
NextEra Energy Inc.	Equities	65339F101	8,742,344	123,462	SH		SOLE		109,269	8,253	5,940
Nike Inc Cl B	Equities	654106103	555,628	7,372	SH		SOLE		7,279	0	93
Novo Nordisk A/S - Spons ADR	Equities	670100205	1,358,171	9,515	SH		SOLE		9,515	0	0
NVIDIA Corporation	Equities	67066G104	9,440,927	76,420	SH		SOLE		71,980	0	4,440
Oracle Corp	Equities	68389X105	1,822,892	12,910	SH		SOLE		12,910	0	0
Otis Worldwide Corporation	Equities	68902V107	266,640	2,770	SH		SOLE		2,770	0	0
Pacer US Cash Cows 100 ETF	Equities	69374H881	5,088,712	93,388	SH		SOLE		87,488	0	5,900
Paychex Inc	Equities	704326107	528,303	4,456	SH		SOLE		4,254	0	202
Pepsico Inc	Equities	713448108	92,361	560	SH		DFND		560	0	0
Pepsico Inc	Equities	713448108	5,187,049	31,450	SH		SOLE		30,136	0	1,314
Pfizer Inc	Equities	717081103	344,014	12,295	SH		DFND		12,295	0	0
Pfizer Inc	Equities	717081103	2,661,821	95,133	SH		SOLE		89,369	0	5,764
Philip Morris International Inc	Equities	718172109	202,660	2,000	SH		DFND		2,000	0	0
Philip Morris International Inc	Equities	718172109	1,294,592	12,776	SH		SOLE		10,109	0	2,667
Phillips 66	Equities	718546104	537,999	3,811	SH		SOLE		3,311	0	500
PNC Financial Services Group	Equities	693475105	597,199	3,841	SH		SOLE		3,841	0	0
Procter & Gamble Co	Equities	742718109	560,728	3,400	SH		DFND		3,400	0	0
Procter & Gamble Co	Equities	742718109	6,684,373	40,531	SH		SOLE		40,486	0	45
Prologis Inc COM	Equities	74340W103	110,513	984	SH		DFND		984	0	0
Prologis Inc COM	Equities	74340W103	5,562,040	49,524	SH		SOLE		43,872	3,583	2,069
Provident Bancorp, Inc.	Equities	74383L105	109,879	10,783	SH		SOLE		500	0	10,283
Public Storage Inc	Equities	74460D109	575,300	2,000	SH		DFND		2,000	0	0
Public Storage Inc	Equities	74460D109	436,653	1,518	SH		SOLE		896	0	622
Qualcomm Inc	Equities	747525103	773,814	3,885	SH		SOLE		3,528	0	357
Raytheon Technologies Corp	Equities	75513E101	533,573	5,315	SH		DFND		5,315	0	0
Raytheon Technologies Corp	Equities	75513E101	9,434,953	93,984	SH		SOLE		82,708	7,429	3,847
Real Estate Select Sector SPDR	Equities	81369Y860	300,635	7,827	SH		SOLE		7,827	0	0
Roper Industries, Inc.	Equities	776696106	400,762	711	SH		SOLE		611	0	100
Ross Stores, Inc.	Equities	778296103	494,088	3,400	SH		SOLE		3,400	0	0
S&P Global Inc.	Equities	78409V104	670,338	1,503	SH		SOLE		1,433	0	70
Salesforce.com, Inc.	Equities	79466L302	17,997	70	SH		DFND		70	0	0
Salesforce.com, Inc.	Equities	79466L302	6,552,194	25,485	SH		SOLE		22,301	2,379	805
Schlumberger Ltd	Equities	806857108	5,520	117	SH		DFND		117	0	0
Schlumberger Ltd	Equities	806857108	1,071,269	22,706	SH		SOLE		21,855	0	851
SPDR Gold Trust Gold Shs (MFC)	Equities	78463v107	836,174	3,889	SH		SOLE		3,889	0	0
SPDR Health Care Services	Equities	78464A573	601,574	6,693	SH		SOLE		6,600	0	93
SPDR Kensho Clean Power ETF	Equities	78468R655	2,013,848	33,375	SH		SOLE		33,027	0	348
SPDR Portfolio Long Term Treasu	Equities	78464A664	54,141	1,989	SH		DFND		1,989	0	0
SPDR Portfolio Long Term Treasu	Equities	78464A664	38,972,262	1,431,751	SH		SOLE		1,372,880	2,180	56,691
SPDR Portfolio S&P 500 ETF	Equities	78464A854	29,659,136	463,424	SH		SOLE		423,598	3,681	36,145
SPDR Portfolio S&P 600 Small Ca	Equities	78468R853	29,368,396	707,161	SH		SOLE		669,168	1,429	36,564
SPDR S&P 500 ETF Trust	Equities	78462F103	16,544,832	30,401	SH		SOLE		29,390	75	936
SPDR S&P 500 Fossil Fuel Reserv	Equities	78468R796	11,896,515	266,738	SH		SOLE		246,013	0	20,725
SPDR S&P Midcap 400 ETF Tr Ser	Equities	78467Y107	2,675,690	5,001	SH		SOLE		4,149	0	852
Sprott Inc	Equities	852066208	248,340	6,000	SH		SOLE		6,000	0	0
Starbucks Corp	Equities	855244109	424,516	5,453	SH		SOLE		5,353	0	100
Steel Dynamics, Inc.	Equities	858119100	11,137	86	SH		DFND		86	0	0
Steel Dynamics, Inc.	Equities	858119100	6,736,202	52,017	SH		SOLE		44,228	6,021	1,768
Stryker Corp	Equities	863667101	867,978	2,551	SH		SOLE		2,451	0	100
Sysco Corp	Equities	871829107	255,790	3,583	SH		SOLE		3,583	0	0
Technology Select Sector SPDR	Equities	81369Y803	95,971,969	424,223	SH		SOLE		415,153	995	8,075
Tesla, Inc	Equities	88160R101	14,841	75	SH		DFND		75	0	0
Tesla, Inc	Equities	88160R101	529,725	2,677	SH		SOLE		1,762	600	315
Texas Instruments Inc	Equities	882508104	462,398	2,377	SH		DFND		2,377	0	0
Texas Instruments Inc	Equities	882508104	9,991,450	51,362	SH		SOLE		44,763	4,167	2,432
Textron Inc	Equities	883203101	257,580	3,000	SH		SOLE		3,000	0	0
The Walt Disney Company	Equities	254687106	597,924	6,022	SH		SOLE		6,022	0	0
Thermo Fisher Scientific Inc	Equities	883556102	4,424	8	SH		DFND		8	0	0
Thermo Fisher Scientific Inc	Equities	883556102	5,978,483	10,811	SH		SOLE		9,707	599	505
TJX Companies Inc (The)	Equities	872540109	619,863	5,630	SH		SOLE		5,517	0	113
Trane Technologies plc	Equities	G8994E103	789,432	2,400	SH		SOLE		2,400	0	0
Travelers Companies Inc (The)	Equities	89417E109	387,363	1,905	SH		SOLE		1,905	0	0
Tyler Technologies, Inc.	Equities	902252105	293,121	583	SH		SOLE		572	0	11
Uber Technologies, Inc.	Equities	90353T100	5,814	80	SH		DFND		80	0	0
Uber Technologies, Inc.	Equities	90353T100	5,453,980	75,041	SH		SOLE		65,596	6,457	2,988
Unilever PLC Sponsored ADR	Equities	904767704	480,338	8,735	SH		SOLE		8,275	0	460
Union Pacific Corp	Equities	907818108	1,562,325	6,905	SH		SOLE		6,875	0	30
United Parcel Service Inc Cl B	Equities	911312106	394,128	2,880	SH		DFND		2,880	0	0
United Parcel Service Inc Cl B	Equities	911312106	1,908,100	13,943	SH		SOLE		12,723	0	1,220
Unitedhealth Group Inc	Equities	91324P102	51,435	101	SH		DFND		101	0	0
Unitedhealth Group Inc	Equities	91324P102	7,416,353	14,563	SH		SOLE		12,180	1,871	512
US Bancorp	Equities	902973304	201,914	5,086	SH		SOLE		5,086	0	0
Utilities Select Sector SPDR	Equities	81369Y886	351,262	5,155	SH		SOLE		5,155	0	0
Vanguard 500 Index Fund	Equities	922908363	1,511,893	3,023	SH		SOLE		2,327	0	696
Vanguard Communication Services	Equities	92204A884	1,407,152	10,182	SH		SOLE		10,182	0	0
Vanguard Emerging Markets ETF	Equities	922042858	439,044	10,033	SH		SOLE		10,033	0	0
Vanguard ESG International Stoc	Equities	921910725	13,497,565	235,683	SH		SOLE		219,834	0	15,849
Vanguard Extended Market Index	Equities	922908652	346,901	2,055	SH		SOLE		352	0	1,703
Vanguard FTSE All-World Ex-US I	Equities	922042775	6,638,224	113,203	SH		SOLE		91,230	0	21,973
Vanguard FTSE All-World ex-US S	Equities	922042718	14,222,869	121,056	SH		SOLE		115,821	187	5,048
Vanguard FTSE Developed Markets	Equities	921943858	289,799	5,864	SH		SOLE		5,753	0	111
Vanguard Growth ETF	Equities	922908736	418,891	1,120	SH		SOLE		1,120	0	0
Vanguard Mega Cap 300 Value Ind	Equities	921910840	355,974	3,004	SH		SOLE		3,004	0	0
Vanguard Mid-Cap ETF	Equities	922908629	4,958,436	20,481	SH		SOLE		18,992	0	1,489
Vanguard Small-Cap Value ETF	Equities	922908611	6,673,661	36,564	SH		SOLE		36,564	0	0
Vanguard Small-Cap Vipers	Equities	922908751	395,525	1,814	SH		SOLE		903	45	866
Vanguard ST Bond ETF	Equities	921937827	201,721	2,630	SH		SOLE		2,630	0	0
Vanguard Total Stock Market ETF	Equities	922908769	1,483,343	5,545	SH		SOLE		4,668	0	877
Vanguard Value ETF	Equities	922908744	407,121	2,538	SH		SOLE		2,538	0	0
VeriSign Inc	Equities	92343e102	423,875	2,384	SH		SOLE		2,384	0	0
Verizon Communications Inc	Equities	92343V104	1,121,357	27,191	SH		SOLE		24,949	0	2,242
Vertex Pharmaceuticals Inc	Equities	92532F100	567,151	1,210	SH		SOLE		1,210	0	0
Visa Inc - Class A Shares	Equities	92826C839	104,463	398	SH		DFND		398	0	0
Visa Inc - Class A Shares	Equities	92826C839	7,690,371	29,300	SH		SOLE		25,262	2,292	1,746
Wal Mart Stores Inc	Equities	931142103	736,549	10,878	SH		DFND		10,878	0	0
Wal Mart Stores Inc	Equities	931142103	5,496,292	81,174	SH		SOLE		77,372	0	3,802
Waste Management Inc	Equities	94106L109	694,208	3,254	SH		SOLE		2,589	0	665
WEC Energy Group Inc	Equities	92939U106	384,454	4,900	SH		DFND		4,900	0	0
WEC Energy Group Inc	Equities	92939U106	58,688	748	SH		SOLE		748	0	0
Wells Fargo & Co	Equities	949746101	550,961	9,277	SH		SOLE		9,277	0	0
Welltower Inc.	Equities	95040Q104	624,458	5,990	SH		DFND		5,990	0	0
Welltower Inc.	Equities	95040Q104	2,820,171	27,052	SH		SOLE		24,401	0	2,651
WEX Inc	Equities	96208T104	11,626,230	65,633	SH		SOLE		65,633	0	0
Whirlpool Corp	Equities	963320106	265,209	2,595	SH		SOLE		2,595	0	0
WisdomTree LargeCap Dividend Fu	Equities	97717W307	390,288	5,365	SH		SOLE		2,324	0	3,041
WisdomTree SmallCap Dividend Fu	Equities	97717W604	822,692	26,411	SH		SOLE		25,934	0	477
WisdomTree US Quality Dividend	Equities	97717X669	388,689	4,980	SH		SOLE		4,980	0	0
Yum Brands Inc	Equities	988498101	464,670	3,508	SH		SOLE		3,508	0	0