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	53,882,682	417,404	SH		SOLE		417,359	0	45
Abbott Laboratories	Equities	002824100	79,177	700	SH		DFND		700	0	0
Abbott Laboratories	Equities	002824100	4,715,556	41,690	SH		SOLE		41,305	0	385
AbbVie Inc	Equities	00287Y109	2,982,517	16,784	SH		SOLE		16,699	0	85
Accenture PLC	Equities	G1151C101	109,055	310	SH		DFND		310	0	0
Accenture PLC	Equities	G1151C101	2,051,991	5,833	SH		SOLE		5,833	0	0
Adobe Inc	Equities	00724F101	4,654,466	10,467	SH		SOLE		9,198	443	826
AFLAC Inc	Equities	001055102	374,453	3,620	SH		SOLE		3,525	0	95
Agnico Eagle Mines LTD	Equities	008474108	269,512	3,446	SH		SOLE		3,446	0	0
Air Prods & Chems Inc	Equities	009158106	1,074,308	3,704	SH		SOLE		3,704	0	0
Allstate Corp	Equities	020002101	233,276	1,210	SH		SOLE		1,210	0	0
Alphabet Inc CL A	Equities	02079K305	8,701,364	45,966	SH		SOLE		44,823	0	1,143
Alphabet Inc CL C	Equities	02079K107	19,044	100	SH		DFND		100	0	0
Alphabet Inc CL C	Equities	02079K107	21,583,517	113,335	SH		SOLE		101,960	7,831	3,544
Altria Group Inc	Equities	02209S103	608,290	11,633	SH		SOLE		9,729	0	1,904
Altus Power Inc	Equities	02217A102	41,245	10,134	SH		SOLE		10,134	0	0
Amazon Com Inc	Equities	023135106	17,112	78	SH		DFND		78	0	0
Amazon Com Inc	Equities	023135106	15,642,507	71,300	SH		SOLE		61,605	5,703	3,992
American Express Co	Equities	025816109	1,569,722	5,289	SH		SOLE		5,289	0	0
American Tower Reit Com	Equities	03027X100	418,908	2,284	SH		SOLE		2,254	0	30
Ameriprise Finl Inc	Equities	03076C106	897,145	1,685	SH		SOLE		1,685	0	0
Amgen Inc	Equities	031162100	2,160,184	8,288	SH		SOLE		8,198	0	90
Apple Inc	Equities	037833100	141,738	566	SH		DFND		566	0	0
Apple Inc	Equities	037833100	55,568,699	221,902	SH		SOLE		206,188	5,733	9,981
Arthur J. Gallagher & Co.	Equities	363576109	339,201	1,195	SH		SOLE		995	0	200
AT&T Inc	Equities	00206R102	403,484	17,720	SH		DFND		17,720	0	0
AT&T Inc	Equities	00206R102	2,289,886	100,566	SH		SOLE		89,161	0	11,405
Automatic Data Processing Inc	Equities	053015103	6,645,264	22,701	SH		SOLE		22,676	0	25
AutoZone, Inc.	Equities	053332102	480,300	151	SH		SOLE		151	0	0
Bank Of America Corporation	Equities	060505104	661,931	15,061	SH		SOLE		14,653	0	408
Bank of New York Mellon Corp	Equities	064058100	298,100	3,880	SH		SOLE		3,880	0	0
Becton Dickinson and Company	Equities	075887109	933,570	4,115	SH		SOLE		4,115	0	0
Berkshire Hathaway Inc	Equities	084670108	9,532,880	14	SH		SOLE		14	0	0
Berkshire Hathaway Inc - CL B	Equities	084670702	1,068,834	2,358	SH		DFND		2,358	0	0
Berkshire Hathaway Inc - CL B	Equities	084670702	36,650,861	80,857	SH		SOLE		77,745	2,096	1,016
Biotech Select Sector SPDR ETF	Equities	78464A870	225,060	2,499	SH		SOLE		1,899	0	600
Blackrock Short Duration Bond E	Equities	46431W507	2,287,744	45,302	SH		SOLE		45,301	0	1
BlackRock US Equity Factor Rota	Equities	09290C103	11,096,291	216,513	SH		SOLE		200,732	1,443	14,338
BlackRock, Inc	Equities	09290D101	611,991	597	SH		DFND		597	0	0
BlackRock, Inc	Equities	09290D101	9,079,399	8,857	SH		SOLE		7,627	797	433
Boeing Co	Equities	097023105	270,456	1,528	SH		SOLE		1,528	0	0
Booking Holdings Inc	Equities	09857L108	978,779	197	SH		SOLE		197	0	0
Bristol Myers Squibb Co	Equities	110122108	906,826	16,033	SH		SOLE		15,883	0	150
Broadcom Inc.	Equities	11135F101	13,536,674	58,388	SH		SOLE		50,151	5,761	2,476
Caterpillar Inc Del	Equities	149123101	743,658	2,050	SH		DFND		2,050	0	0
Caterpillar Inc Del	Equities	149123101	6,986,758	19,260	SH		SOLE		19,260	0	0
Chevron Corporation	Equities	166764100	300,833	2,077	SH		DFND		2,077	0	0
Chevron Corporation	Equities	166764100	7,944,329	54,849	SH		SOLE		46,737	4,922	3,190
Chubb Limited	Equities	H1467J104	934,447	3,382	SH		SOLE		3,249	0	133
Church & Dwight Inc	Equities	171340102	5,022,206	47,963	SH		SOLE		46,963	0	1,000
Cigna Corporation	Equities	125523100	268,132	971	SH		SOLE		971	0	0
Cisco Systems Inc	Equities	17275R102	588,152	9,935	SH		DFND		9,935	0	0
Cisco Systems Inc	Equities	17275R102	4,041,229	68,264	SH		SOLE		60,953	0	7,311
Coca Cola Co	Equities	191216100	1,094,095	17,573	SH		SOLE		17,353	0	220
Colgate Palmolive Co	Equities	194162103	689,734	7,587	SH		SOLE		7,413	0	174
Comcast Corp New Cl A	Equities	20030N101	1,362,564	36,306	SH		SOLE		23,869	11,347	1,090
Communication Services Select S	Equities	81369Y852	13,474,196	139,182	SH		SOLE		135,348	0	3,834
ConocoPhillips	Equities	20825C104	237,016	2,390	SH		SOLE		2,302	0	88
CONSOL Energy, Inc.	Equities	20854L108	347,243	3,255	SH		SOLE		3,255	0	0
Constellation Brands Inc - Clas	Equities	21036P108	243,542	1,102	SH		SOLE		1,102	0	0
Consumer Discretionary Select S	Equities	81369Y407	27,631,340	123,162	SH		SOLE		120,555	0	2,607
Consumer Staples Select Sector	Equities	81369Y308	8,296,211	105,536	SH		SOLE		103,575	0	1,961
Copart, Inc.	Equities	217204106	309,734	5,397	SH		SOLE		5,097	0	300
Corning Inc	Equities	219350105	29,700	625	SH		DFND		625	0	0
Corning Inc	Equities	219350105	230,662	4,854	SH		SOLE		4,854	0	0
Corteva, Inc.	Equities	22052L104	28,480	500	SH		DFND		500	0	0
Corteva, Inc.	Equities	22052L104	329,514	5,785	SH		SOLE		5,785	0	0
Costco Wholesale Corp	Equities	22160K105	60,474	66	SH		DFND		66	0	0
Costco Wholesale Corp	Equities	22160K105	6,840,872	7,466	SH		SOLE		6,597	620	249
CRA International, Inc.	Equities	12618T105	3,309,883	17,681	SH		SOLE		17,681	0	0
Crown Castle International Corp	Equities	22822V101	258,212	2,845	SH		DFND		2,845	0	0
Crown Castle International Corp	Equities	22822V101	1,307,761	14,409	SH		SOLE		12,663	0	1,746
CVS Health Corporation	Equities	126650100	400,284	8,917	SH		SOLE		8,807	0	110
Danaher Corp Del	Equities	235851102	987,983	4,304	SH		SOLE		3,999	0	305
Deere & Co	Equities	244199105	10,593	25	SH		DFND		25	0	0
Deere & Co	Equities	244199105	5,958,917	14,064	SH		SOLE		12,135	1,109	820
Domino's Pizza, Inc.	Equities	25754A201	459,637	1,095	SH		SOLE		1,095	0	0
Dow Inc.	Equities	260557103	336,008	8,373	SH		DFND		8,373	0	0
Dow Inc.	Equities	260557103	1,672,378	41,674	SH		SOLE		37,931	0	3,743
Duke Energy Corp New Com	Equities	26441C204	519,091	4,818	SH		SOLE		4,661	0	157
DuPont de Nemours Inc	Equities	26614N102	30,500	400	SH		DFND		400	0	0
DuPont de Nemours Inc	Equities	26614N102	623,115	8,172	SH		SOLE		8,172	0	0
Eaton Corporation plc	Equities	G29183103	66,374	200	SH		DFND		200	0	0
Eaton Corporation plc	Equities	G29183103	548,581	1,653	SH		SOLE		1,453	0	200
Eli Lilly & Co	Equities	532457108	876,220	1,135	SH		DFND		1,135	0	0
Eli Lilly & Co	Equities	532457108	12,609,848	16,334	SH		SOLE		14,654	1,155	525
Emerson Elec Co	Equities	291011104	2,996,380	24,178	SH		SOLE		24,086	0	92
Energy Select Sector SPDR	Equities	81369Y506	669,690	7,818	SH		SOLE		7,168	0	650
Entergy Corporation	Equities	29364G103	128,894	1,700	SH		DFND		1,700	0	0
Entergy Corporation	Equities	29364G103	835,081	11,014	SH		SOLE		9,318	0	1,696
Enterprise Bancorp INC	Equities	293668109	1,689,465	42,728	SH		SOLE		42,728	0	0
Enterprise Products Partners	Equities	293792107	279,731	8,920	SH		SOLE		8,920	0	0
Equifax Inc	Equities	294429105	728,871	2,860	SH		SOLE		2,860	0	0
Eversource Energy Com	Equities	30040W108	282,268	4,915	SH		SOLE		4,915	0	0
Exxon Mobil Corp	Equities	30231G102	7,549,908	70,186	SH		SOLE		66,343	0	3,843
FactSet Research Systems Inc.	Equities	303075105	1,403,378	2,922	SH		SOLE		2,922	0	0
Fastenal Company	Equities	311900104	617,419	8,586	SH		SOLE		8,586	0	0
Fidelity MSCI Health Care Index	Equities	316092600	4,731,144	72,397	SH		SOLE		66,938	499	4,960
Fidelity MSCI Information Techn	Equities	316092808	2,279,386	12,329	SH		SOLE		11,438	0	891
Fidelity Total Bond ETF	Equities	316188309	5,417,966	120,748	SH		SOLE		94,332	0	26,416
Financial Select Sector SPDR	Equities	81369Y605	14,926,125	308,838	SH		SOLE		300,414	0	8,424
First Trust Nasdaq ABA CBIF	Equities	33736Q104	319,149	5,745	SH		SOLE		5,745	0	0
Fiserv Inc	Equities	337738108	1,498,744	7,296	SH		SOLE		7,296	0	0
FT CBOE Vest US Equity Buffer -	Equities	33740U406	5,447,239	135,706	SH		SOLE		118,033	0	17,673
GE Aerospace	Equities	369604301	1,378,853	8,267	SH		SOLE		8,026	0	241
GE Healthcare Technologies Inc	Equities	36266G107	5,238	67	SH		DFND		67	0	0
GE Healthcare Technologies Inc	Equities	36266G107	3,600,111	46,049	SH		SOLE		37,971	4,826	3,252
GE Vernova Inc	Equities	36828A101	664,110	2,019	SH		SOLE		1,959	0	60
General Mills Inc	Equities	370334104	89,278	1,400	SH		DFND		1,400	0	0
General Mills Inc	Equities	370334104	445,625	6,988	SH		SOLE		6,988	0	0
Global Partners LP	Equities	37946R109	207,148	4,450	SH		SOLE		4,450	0	0
Global X Uranium ETF	Equities	37954Y871	9,396,888	350,892	SH		SOLE		332,773	595	17,524
Goldman Sachs Access Ultra Shor	Equities	381430230	21,339	425	SH		DFND		425	0	0
Goldman Sachs Access Ultra Shor	Equities	381430230	17,321,145	344,974	SH		SOLE		331,581	564	12,829
Goldman Sachs ActiveBeta Emergi	Equities	381430206	7,753,783	242,913	SH		SOLE		234,134	0	8,779
Goldman Sachs Group Inc	Equities	38141G104	661,949	1,156	SH		SOLE		1,128	0	28
GreenGro Technologies, Inc.	Equities	39526G107	0	10,000	SH		SOLE		10,000	0	0
Healthcare Select Sector SPDR	Equities	81369Y209	26,698,573	194,073	SH		SOLE		189,882	0	4,191
Hewlett Packard Enterprise Comp	Equities	42824C109	214,995	10,070	SH		SOLE		5,260	0	4,810
Home Depot Inc	Equities	437076102	728,578	1,873	SH		DFND		1,873	0	0
Home Depot Inc	Equities	437076102	17,105,835	43,975	SH		SOLE		40,142	2,141	1,692
Honeywell International Inc	Equities	438516106	2,557,527	11,322	SH		SOLE		11,180	0	142
HP Inc.	Equities	40434L105	328,845	10,078	SH		SOLE		6,528	0	3,550
Hubbell Incorporated	Equities	443510607	433,132	1,034	SH		SOLE		1,034	0	0
Idexx Laboratories Inc	Equities	45168D104	1,927,044	4,661	SH		SOLE		4,609	0	52
Illinois Tool Works Inc	Equities	452308109	1,070,277	4,221	SH		SOLE		3,763	0	458
Industrial Select Sector SPDR	Equities	81369Y704	7,728,646	58,657	SH		SOLE		58,299	0	358
Ingersoll Rand Inc.	Equities	45687V106	218,009	2,410	SH		SOLE		2,410	0	0
Intel Corp	Equities	458140100	1,033,337	51,538	SH		SOLE		50,738	0	800
Intercontinental Exchange Inc	Equities	45866F104	210,700	1,414	SH		SOLE		1,414	0	0
International Business Machines	Equities	459200101	3,594,660	16,352	SH		SOLE		16,352	0	0
Intuit Inc.	Equities	461202103	761,114	1,211	SH		SOLE		1,004	0	207
Intuitive Surgical Inc	Equities	46120E602	200,955	385	SH		SOLE		250	0	135
Invesco QQQ Trust	Equities	46090E103	23,856,548	46,666	SH		SOLE		43,083	214	3,369
Invesco Russell 1000 Dynamic Mu	Equities	46138J619	271,258	5,002	SH		SOLE		5,002	0	0
Invesco S&P 500 GARP ETF	Equities	46137V431	335,406	3,198	SH		SOLE		1,778	0	1,420
Invesco S&P 500 Low Volatility	Equities	46138E354	215,320	3,076	SH		SOLE		3,076	0	0
Invesco S&P SmallCap Informatio	Equities	46138E115	1,207,569	25,300	SH		SOLE		25,300	0	0
iShares Core 1-5 Year USD Bond	Equities	46432F859	92,435	1,935	SH		DFND		1,935	0	0
iShares Core 1-5 Year USD Bond	Equities	46432F859	71,790,410	1,502,835	SH		SOLE		1,437,470	2,370	62,995
iShares Core MSCI EAFE	Equities	46432F842	5,255,609	74,781	SH		SOLE		74,781	0	0
iShares Core MSCI Emerging Mark	Equities	46434G103	1,725,714	33,047	SH		SOLE		33,047	0	0
iShares Core S&P Mid-Cap ETF	Equities	464287507	1,191,305	19,119	SH		SOLE		18,299	0	820
iShares Core Total USD Bond Mar	Equities	46434V613	564,864	12,497	SH		SOLE		12,497	0	0
iShares Dow Jones US Consumer S	Equities	464287580	1,339,038	13,928	SH		SOLE		13,928	0	0
iShares Dow Jones US Medical De	Equities	464288810	735,443	12,604	SH		SOLE		10,168	0	2,436
iShares Dow Jones US Pharmaceut	Equities	464288836	1,193,081	18,154	SH		SOLE		16,324	0	1,830
iShares ESG Advanced MSCI USA E	Equities	46436E767	16,555,159	332,968	SH		SOLE		310,750	0	22,218
iShares ESG Aware MSCI EM ETF	Equities	46434G863	322,280	9,652	SH		SOLE		7,703	0	1,949
iShares ESG Aware MSCI USA ETF	Equities	46435G425	4,458,847	34,613	SH		SOLE		31,262	0	3,351
iShares ESG Aware MSCI USA Smal	Equities	46435U663	408,894	9,724	SH		SOLE		7,465	0	2,259
iShares ESG Aware U.S. Aggregat	Equities	46435U549	674,634	14,527	SH		SOLE		13,235	0	1,292
iShares ESG MSCI EAFE ETF	Equities	46435G516	91,449,546	1,201,071	SH		SOLE		1,151,361	2,110	47,600
iShares Global Clean Energy	Equities	464288224	1,367,506	120,168	SH		SOLE		112,872	0	7,296
iShares Gold Trust	Equities	464285204	20,678,050	417,654	SH		SOLE		398,533	490	18,631
iShares iBonds Dec 2025 Term Co	Equities	46434VBD1	5,835,322	232,947	SH		SOLE		218,826	1,946	12,175
iShares iBonds Dec 2025 Term Mu	Equities	46435U432	691,857	25,995	SH		SOLE		12,815	0	13,180
iShares iBonds Dec 2026 Term Co	Equities	46435GAA0	8,064,317	335,036	SH		SOLE		313,035	2,040	19,961
iShares iBonds Dec 2026 Term Mu	Equities	46435U259	866,277	34,025	SH		SOLE		21,065	0	12,960
iShares iBonds Dec 2027 Term Co	Equities	46435UAA9	8,958,093	373,877	SH		SOLE		337,053	2,064	34,760
iShares iBonds Dec 2027 Term Mu	Equities	46435U283	1,168,759	46,490	SH		SOLE		30,685	0	15,805
iShares iBonds Dec 2028 Term Co	Equities	46435U515	7,436,510	298,655	SH		SOLE		279,697	1,993	16,965
iShares iBonds Dec 2028 Term Mu	Equities	46435U325	1,088,909	43,245	SH		SOLE		23,200	0	20,045
iShares iBonds Dec 2029 Term Co	Equities	46436E205	3,052,715	133,891	SH		SOLE		122,931	2,150	8,810
iShares iBonds Dec 2030 Term Co	Equities	46436E726	324,373	15,186	SH		SOLE		15,186	0	0
iShares MSCI All Country Asia e	Equities	464288182	3,726,290	51,625	SH		SOLE		47,996	0	3,629
iShares MSCI India	Equities	46429B598	12,378,947	235,162	SH		SOLE		223,188	461	11,513
iShares MSCI Taiwan ETF	Equities	46434G772	10,322,395	199,428	SH		SOLE		189,759	303	9,366
iShares MSCI USA ESG Select ETF	Equities	464288802	75,822,065	623,589	SH		SOLE		616,934	0	6,655
iShares National Amtfree Muni	Equities	464288414	1,709,169	16,041	SH		SOLE		16,041	0	0
iShares Russell 1000 Growth Ind	Equities	464287614	1,063,384	2,648	SH		SOLE		2,603	45	0
iShares Russell 1000 Value Inde	Equities	464287598	532,989	2,879	SH		SOLE		2,349	65	465
iShares Russell 2000 Growth Ind	Equities	464287648	277,746	965	SH		SOLE		295	0	670
iShares Russell Midcap Index	Equities	464287499	459,857	5,202	SH		SOLE		5,202	0	0
iShares S&P 500 Index	Equities	464287200	1,213,858	2,062	SH		SOLE		2,011	0	51
iShares S&P 500 Value ETF	Equities	464287408	511,749	2,681	SH		SOLE		215	0	2,466
iShares S&P SmallCap 600 Index	Equities	464287804	4,274,892	37,102	SH		SOLE		37,053	0	49
iShares Semiconductor ETF	Equities	464287523	5,203,653	24,148	SH		SOLE		21,868	143	2,137
iShares Tr MSCI EAFE Index Fund	Equities	464287465	500,085	6,614	SH		SOLE		5,809	0	805
iShares TR Russell 1000 ETF	Equities	464287622	1,019,636	3,165	SH		SOLE		0	0	3,165
iShares Tr Russell 2000 Index F	Equities	464287655	2,310,358	10,456	SH		SOLE		10,149	0	307
iShares Trust S & P 100 Index F	Equities	464287101	381,571	1,321	SH		SOLE		1,321	0	0
iShares U.S. Technology ETF	Equities	464287721	718,319	4,503	SH		SOLE		255	0	4,248
Johnson & Johnson	Equities	478160104	62,187	430	SH		DFND		430	0	0
Johnson & Johnson	Equities	478160104	5,646,543	39,044	SH		SOLE		38,405	0	639
Johnson Controls International	Equities	G51502105	212,164	2,688	SH		SOLE		2,688	0	0
JP Morgan Mkt Expansion Enhance	Equities	46641Q118	214,910	3,554	SH		SOLE		3,554	0	0
JPMorgan BetaBuilders Canada ET	Equities	46641Q225	1,417,107	20,076	SH		SOLE		18,694	0	1,382
JPMorgan BetaBuilders Japan ETF	Equities	46641Q217	696,829	12,695	SH		SOLE		11,163	0	1,532
JPMorgan Chase & Co	Equities	46625H100	877,578	3,661	SH		DFND		3,661	0	0
JPMorgan Chase & Co	Equities	46625H100	15,567,247	64,942	SH		SOLE		57,903	4,244	2,795
Kimberly Clark Corp	Equities	494368103	759,770	5,798	SH		SOLE		5,798	0	0
Kinder Morgan Inc	Equities	49456B101	702,673	25,645	SH		DFND		25,645	0	0
Kinder Morgan Inc	Equities	49456B101	3,039,372	110,926	SH		SOLE		99,616	0	11,310
KraneShares Global Carbon ETF	Equities	500767678	789,497	26,936	SH		SOLE		24,991	0	1,945
L3Harris Technologies Inc	Equities	502431109	641,354	3,050	SH		SOLE		3,050	0	0
Linde Plc	Equities	G54950103	1,228,796	2,935	SH		SOLE		2,900	0	35
Lockheed Martin Corp	Equities	539830109	326,066	671	SH		SOLE		610	0	61
Lowes Cos Inc	Equities	548661107	227,796	923	SH		SOLE		923	0	0
Manulife Finl Corp	Equities	56501R106	788,940	25,690	SH		DFND		25,690	0	0
Manulife Finl Corp	Equities	56501R106	2,839,477	92,461	SH		SOLE		84,706	0	7,755
Marathon Petroleum Corporation	Equities	56585A102	294,903	2,114	SH		SOLE		1,775	0	339
Mastercard Inc CL A	Equities	57636Q104	3,608,584	6,853	SH		SOLE		6,853	0	0
Materials Select Sector SPDR Tr	Equities	81369Y100	349,181	4,150	SH		SOLE		3,515	0	635
McDonalds Corp	Equities	580135101	513,105	1,770	SH		DFND		1,770	0	0
McDonalds Corp	Equities	580135101	3,477,520	11,996	SH		SOLE		10,915	0	1,081
Medtronics PLC	Equities	G5960L103	379,430	4,750	SH		DFND		4,750	0	0
Medtronics PLC	Equities	G5960L103	1,594,964	19,967	SH		SOLE		18,040	0	1,927
Merck & Co Inc New Com	Equities	58933Y105	4,171,395	41,932	SH		SOLE		41,644	0	288
Meta Platforms, Inc.	Equities	30303M102	1,052,747	1,798	SH		SOLE		1,642	0	156
Microsoft Corp	Equities	594918104	1,824,252	4,328	SH		DFND		4,328	0	0
Microsoft Corp	Equities	594918104	47,595,780	112,920	SH		SOLE		83,101	25,407	4,412
Mondelez International, Inc.	Equities	609207105	569,944	9,542	SH		SOLE		9,242	0	300
Monster Beverage Corporation	Equities	61174X109	201,830	3,840	SH		SOLE		3,840	0	0
Moody's Corp	Equities	615369105	871,001	1,840	SH		SOLE		1,840	0	0
MSA Safety Incorporated	Equities	553498106	299,712	1,808	SH		SOLE		1,808	0	0
Nestle S A Sponsored ADR	Equities	641069406	322,325	3,901	SH		DFND		3,901	0	0
Nestle S A Sponsored ADR	Equities	641069406	5,380,040	65,113	SH		SOLE		55,869	5,402	3,842
Netflix, Inc.	Equities	64110L106	222,830	250	SH		SOLE		158	0	92
NextEra Energy Inc.	Equities	65339F101	360,601	5,030	SH		DFND		5,030	0	0
NextEra Energy Inc.	Equities	65339F101	5,994,288	83,614	SH		SOLE		72,746	5,457	5,411
Nike Inc Cl B	Equities	654106103	453,036	5,987	SH		SOLE		5,947	0	40
Norfolk Southern Corp	Equities	655844108	408,378	1,740	SH		SOLE		1,685	0	55
Novo Nordisk A/S - Spons ADR	Equities	670100205	827,082	9,615	SH		SOLE		9,515	0	100
NVIDIA Corporation	Equities	67066G104	10,095,922	75,180	SH		SOLE		71,110	0	4,070
Oracle Corp	Equities	68389X105	2,109,996	12,662	SH		SOLE		12,662	0	0
Otis Worldwide Corporation	Equities	68902V107	230,599	2,490	SH		SOLE		2,490	0	0
Pacer US Cash Cows 100 ETF	Equities	69374H881	332,837	5,893	SH		SOLE		1,699	0	4,194
Paychex Inc	Equities	704326107	624,820	4,456	SH		SOLE		4,254	0	202
Pepsico Inc	Equities	713448108	85,154	560	SH		DFND		560	0	0
Pepsico Inc	Equities	713448108	4,613,805	30,342	SH		SOLE		28,807	0	1,535
Pfizer Inc	Equities	717081103	326,186	12,295	SH		DFND		12,295	0	0
Pfizer Inc	Equities	717081103	2,564,788	96,675	SH		SOLE		90,464	0	6,211
Philip Morris International Inc	Equities	718172109	240,700	2,000	SH		DFND		2,000	0	0
Philip Morris International Inc	Equities	718172109	1,507,263	12,524	SH		SOLE		11,209	0	1,315
Phillips 66	Equities	718546104	437,263	3,838	SH		SOLE		3,311	0	527
PNC Financial Services Group	Equities	693475105	792,806	4,111	SH		SOLE		4,111	0	0
Procter & Gamble Co	Equities	742718109	559,951	3,340	SH		DFND		3,340	0	0
Procter & Gamble Co	Equities	742718109	6,687,391	39,889	SH		SOLE		39,774	0	115
Progressive Corp Ohio	Equities	743315103	510,369	2,130	SH		SOLE		2,069	0	61
Prologis Inc COM	Equities	74340W103	104,009	984	SH		DFND		984	0	0
Prologis Inc COM	Equities	74340W103	5,143,256	48,659	SH		SOLE		42,165	3,583	2,911
Public Storage Inc	Equities	74460D109	598,880	2,000	SH		DFND		2,000	0	0
Public Storage Inc	Equities	74460D109	434,787	1,452	SH		SOLE		848	0	604
Qualcomm Inc	Equities	747525103	583,756	3,800	SH		SOLE		3,443	0	357
Raytheon Technologies Corp	Equities	75513E101	615,052	5,315	SH		DFND		5,315	0	0
Raytheon Technologies Corp	Equities	75513E101	10,317,827	89,163	SH		SOLE		77,327	7,429	4,407
Real Estate Select Sector SPDR	Equities	81369Y860	321,984	7,917	SH		SOLE		7,827	0	90
Roper Industries, Inc.	Equities	776696106	367,014	706	SH		SOLE		606	0	100
Ross Stores, Inc.	Equities	778296103	514,318	3,400	SH		SOLE		3,400	0	0
S&P Global Inc.	Equities	78409V104	765,472	1,537	SH		SOLE		1,427	0	110
Salesforce.com, Inc.	Equities	79466L302	23,403	70	SH		DFND		70	0	0
Salesforce.com, Inc.	Equities	79466L302	8,241,903	24,652	SH		SOLE		21,317	2,379	956
Schlumberger Ltd	Equities	806857108	916,173	23,896	SH		SOLE		23,706	0	190
Schwab 1000 Index ETF	Equities	808524722	205,078	7,244	SH		SOLE		7,244	0	0
ServiceNow, Inc.	Equities	81762P102	212,024	200	SH		SOLE		152	0	48
Shopify, Inc	Equities	82509L107	227,227	2,137	SH		SOLE		2,137	0	0
SPDR Dow Jones Industrial Avera	Equities	78467X109	424,649	998	SH		SOLE		53	0	945
SPDR Gold Trust Gold Shs (MFC)	Equities	78463v107	954,961	3,944	SH		SOLE		3,932	0	12
SPDR Health Care Services	Equities	78464A573	603,587	6,693	SH		SOLE		6,600	0	93
SPDR Portfolio Long Term Treasu	Equities	78464A664	31,899	1,218	SH		DFND		1,218	0	0
SPDR Portfolio Long Term Treasu	Equities	78464A664	21,308,296	813,604	SH		SOLE		780,480	1,027	32,097
SPDR Portfolio S&P 500 ETF	Equities	78464A854	124,534,181	1,806,414	SH		SOLE		1,709,926	5,767	90,721
SPDR Portfolio S&P 600 Small Ca	Equities	78468R853	37,492,717	834,656	SH		SOLE		792,090	1,587	40,979
SPDR S&P 500 ETF Trust	Equities	78462F103	22,656,095	38,657	SH		SOLE		37,541	75	1,041
SPDR S&P 500 Fossil Fuel Reserv	Equities	78468R796	14,331,173	297,636	SH		SOLE		291,236	0	6,400
SPDR S&P Midcap 400 ETF Tr Ser	Equities	78467Y107	2,885,801	5,067	SH		SOLE		4,147	0	920
Sprott Inc	Equities	852066208	253,020	6,000	SH		SOLE		6,000	0	0
Starbucks Corp	Equities	855244109	479,154	5,251	SH		SOLE		5,151	0	100
Steel Dynamics, Inc.	Equities	858119100	9,810	86	SH		DFND		86	0	0
Steel Dynamics, Inc.	Equities	858119100	5,714,679	50,098	SH		SOLE		41,313	6,021	2,764
Stryker Corp	Equities	863667101	796,071	2,211	SH		SOLE		2,111	0	100
Sysco Corp	Equities	871829107	273,956	3,583	SH		SOLE		3,583	0	0
Taiwan Semiconductor Manufactur	Equities	874039100	448,500	2,271	SH		SOLE		1,921	0	350
Technology Select Sector SPDR	Equities	81369Y803	96,434,753	414,737	SH		SOLE		404,732	995	9,010
Tesla, Inc	Equities	88160R101	30,288	75	SH		DFND		75	0	0
Tesla, Inc	Equities	88160R101	1,476,843	3,657	SH		SOLE		1,752	600	1,305
Texas Instruments Inc	Equities	882508104	445,711	2,377	SH		DFND		2,377	0	0
Texas Instruments Inc	Equities	882508104	9,252,118	49,342	SH		SOLE		42,467	4,167	2,708
Textron Inc	Equities	883203101	229,470	3,000	SH		SOLE		3,000	0	0
The Walt Disney Company	Equities	254687106	352,868	3,169	SH		SOLE		3,169	0	0
Thermo Fisher Scientific Inc	Equities	883556102	4,162	8	SH		DFND		8	0	0
Thermo Fisher Scientific Inc	Equities	883556102	5,514,958	10,601	SH		SOLE		9,330	599	672
TJX Companies Inc (The)	Equities	872540109	673,153	5,572	SH		SOLE		5,444	0	128
Trane Technologies plc	Equities	G8994E103	872,035	2,361	SH		SOLE		2,361	0	0
Travelers Companies Inc (The)	Equities	89417E109	458,895	1,905	SH		SOLE		1,905	0	0
Tyler Technologies, Inc.	Equities	902252105	336,181	583	SH		SOLE		572	0	11
Uber Technologies, Inc.	Equities	90353T100	4,826	80	SH		DFND		80	0	0
Uber Technologies, Inc.	Equities	90353T100	4,979,657	82,554	SH		SOLE		70,428	6,457	5,669
Unilever PLC Sponsored ADR	Equities	904767704	468,059	8,255	SH		SOLE		7,795	0	460
Union Pacific Corp	Equities	907818108	1,651,466	7,242	SH		SOLE		7,103	0	139
United Parcel Service Inc Cl B	Equities	911312106	350,558	2,780	SH		DFND		2,780	0	0
United Parcel Service Inc Cl B	Equities	911312106	1,811,174	14,363	SH		SOLE		13,220	0	1,143
Unitedhealth Group Inc	Equities	91324P102	46,033	91	SH		DFND		91	0	0
Unitedhealth Group Inc	Equities	91324P102	7,121,497	14,078	SH		SOLE		11,556	1,871	651
Unum Group	Equities	91529Y106	266,925	3,655	SH		SOLE		3,655	0	0
US Bancorp	Equities	902973304	247,042	5,165	SH		SOLE		5,010	0	155
Utilities Select Sector SPDR	Equities	81369Y886	390,182	5,155	SH		SOLE		5,155	0	0
Vanguard 500 Index Fund	Equities	922908363	1,969,889	3,656	SH		SOLE		3,111	0	545
Vanguard Communication Services	Equities	92204A884	1,582,452	10,212	SH		SOLE		10,182	0	30
Vanguard Dividend Appreciation	Equities	921908844	239,500	1,223	SH		SOLE		1,034	0	189
Vanguard Emerging Markets ETF	Equities	922042858	462,068	10,492	SH		SOLE		10,004	0	488
Vanguard ESG International Stoc	Equities	921910725	13,500,998	238,113	SH		SOLE		220,009	0	18,104
Vanguard Extended Market Index	Equities	922908652	381,902	2,010	SH		SOLE		352	0	1,658
Vanguard FTSE All-World Ex-US I	Equities	922042775	6,428,714	111,979	SH		SOLE		90,303	0	21,676
Vanguard FTSE All-World ex-US S	Equities	922042718	1,862,475	16,269	SH		SOLE		15,081	0	1,188
Vanguard FTSE Developed Markets	Equities	921943858	288,307	6,029	SH		SOLE		5,677	0	352
Vanguard Growth ETF	Equities	922908736	712,524	1,736	SH		SOLE		1,213	0	523
Vanguard Mega Cap 300 Value Ind	Equities	921910840	359,991	2,882	SH		SOLE		2,882	0	0
Vanguard Mid-Cap ETF	Equities	922908629	5,450,835	20,637	SH		SOLE		19,136	0	1,501
Vanguard Small-Cap Growth ETF	Equities	922908595	284,261	1,015	SH		SOLE		495	0	520
Vanguard Small-Cap Value ETF	Equities	922908611	7,377,845	37,228	SH		SOLE		36,622	0	606
Vanguard Small-Cap Vipers	Equities	922908751	431,062	1,794	SH		SOLE		903	0	891
Vanguard Total Stock Market ETF	Equities	922908769	1,102,727	3,805	SH		SOLE		2,935	0	870
Vanguard Value ETF	Equities	922908744	490,462	2,897	SH		SOLE		2,897	0	0
VeriSign Inc	Equities	92343e102	493,393	2,384	SH		SOLE		2,384	0	0
Verizon Communications Inc	Equities	92343V104	1,129,638	28,248	SH		SOLE		26,706	0	1,542
Vertex Pharmaceuticals Inc	Equities	92532F100	497,335	1,235	SH		SOLE		1,210	0	25
Visa Inc - Class A Shares	Equities	92826C839	125,784	398	SH		DFND		398	0	0
Visa Inc - Class A Shares	Equities	92826C839	9,638,272	30,497	SH		SOLE		26,094	2,299	2,104
Vistra Corporation	Equities	92840M102	230,657	1,673	SH		SOLE		1,673	0	0
Wal Mart Stores Inc	Equities	931142103	982,827	10,878	SH		DFND		10,878	0	0
Wal Mart Stores Inc	Equities	931142103	7,025,435	77,758	SH		SOLE		73,624	0	4,134
Waste Management Inc	Equities	94106L109	729,269	3,614	SH		SOLE		2,949	0	665
WEC Energy Group Inc	Equities	92939U106	460,796	4,900	SH		DFND		4,900	0	0
WEC Energy Group Inc	Equities	92939U106	70,342	748	SH		SOLE		748	0	0
Wells Fargo & Co	Equities	949746101	520,268	7,407	SH		SOLE		7,277	0	130
Welltower Inc.	Equities	95040Q104	754,920	5,990	SH		DFND		5,990	0	0
Welltower Inc.	Equities	95040Q104	3,174,066	25,185	SH		SOLE		22,821	0	2,364
WEX Inc	Equities	96208T104	11,506,778	65,633	SH		SOLE		65,633	0	0
Whirlpool Corp	Equities	963320106	297,076	2,595	SH		SOLE		2,595	0	0
WisdomTree LargeCap Dividend Fu	Equities	97717W307	417,326	5,365	SH		SOLE		2,324	0	3,041
WisdomTree SmallCap Dividend Fu	Equities	97717W604	907,206	26,411	SH		SOLE		25,934	0	477
WisdomTree US Quality Dividend	Equities	97717X669	403,031	4,980	SH		SOLE		4,980	0	0
Yum Brands Inc	Equities	988498101	535,030	3,988	SH		SOLE		3,908	0	80
Zoetis Inc.	Equities	98978V103	216,697	1,330	SH		SOLE		1,237	0	93