First United Bank 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
AFLAC Inc	COM	001055102	44,720	400	SH		SOLE		400	0	0
AGCO Corp Com	COM	001084102	7,340	75	SH		SOLE		75	0	0
Alerian Mlp Alps Etf	ALERIAN MLP	00162Q452	39,306	834	SH		SOLE		834	0	0
AT&T Inc Com	COM	00206R102	39,600	1,800	SH		DFND		1,800	0	0
AT&T Inc Com	COM	00206R102	176,110	8,005	SH		SOLE		8,005	0	0
Abbott Labs Com	COM	002824100	194,957	1,710	SH		DFND		1,710	0	0
Abbott Labs Com	COM	002824100	1,649,041	14,464	SH		SOLE		14,464	0	0
Abbvie Inc	COM	00287Y109	333,741	1,690	SH		DFND		1,690	0	0
Abbvie Inc	COM	00287Y109	285,161	1,444	SH		SOLE		1,444	0	0
ORP	COM	005098108	2,231	35	SH		SOLE		35	0	0
Adobe Sys Inc	COM	00724F101	64,205	124	SH		SOLE		124	0	0
Advanced Micro Devices Inc Com	COM	007903107	36,918	225	SH		DFND		225	0	0
Advanced Micro Devices Inc Com	COM	007903107	1,591,084	9,697	SH		SOLE		9,697	0	0
Air Products & Chemicals Inc	COM	009158106	68,182	229	SH		SOLE		229	0	0
Alico Inc	COM	016230104	1,678	60	SH		SOLE		60	0	0
Allstate Corp Com	COM	020002101	90,653	478	SH		DFND		478	0	0
Allstate Corp Com	COM	020002101	11,758	62	SH		SOLE		62	0	0
Alphabet Inc	CAP STK CL C	02079K107	535,844	3,205	SH		SOLE		3,205	0	0
Alphabet Inc	CAP STK CL A	02079K305	173,313	1,045	SH		DFND		1,045	0	0
Alphabet Inc	CAP STK CL A	02079K305	3,867,124	23,317	SH		SOLE		23,317	0	0
Altria Group Inc Com	COM	02209S103	45,936	900	SH		DFND		900	0	0
Altria Group Inc Com	COM	02209S103	211,101	4,136	SH		SOLE		4,136	0	0
Amazon Com Inc Com	COM	023135106	97,823	525	SH		DFND		525	0	0
Amazon Com Inc Com	COM	023135106	2,072,362	11,122	SH		SOLE		11,122	0	0
American Movil NPV ADR	SPON ADS RP CL B	02390A101	47,035	2,875	SH		SOLE		2,875	0	0
American Elec Pwr Inc Com	COM	025537101	78,592	766	SH		SOLE		766	0	0
American Express Co Com	COM	025816109	6,780	25	SH		DFND		25	0	0
American Tower Corp New Com	COM	03027X100	4,651	20	SH		DFND		20	0	0
American Tower Corp New Com	COM	03027X100	426,050	1,832	SH		SOLE		1,832	0	0
Amgen Inc Com	COM	031162100	45,109	140	SH		DFND		140	0	0
Amgen Inc Com	COM	031162100	1,971,281	6,118	SH		SOLE		6,118	0	0
Analog Divices Inc	COM	032654105	40,970	178	SH		SOLE		178	0	0
Annaly Cap Mgmt Inc Com	COM NEW	035710839	28,901	1,440	SH		SOLE		1,440	0	0
Anthem Inc Com	COM	036752103	11,440	22	SH		SOLE		22	0	0
Apple Inc Com	COM	037833100	671,040	2,880	SH		DFND		2,880	0	0
Apple Inc Com	COM	037833100	8,618,670	36,990	SH		SOLE		36,990	0	0
Applied Matls Inc Com	COM	038222105	56,372	279	SH		SOLE		279	0	0
Archer Daniels Midland Co	COM	039483102	6,332	106	SH		SOLE		106	0	0
Arcutis Biotherapeutics Inc Com	COM	03969K108	1,395	150	SH		SOLE		150	0	0
Arista Networks Inc Com	COM	040413106	84,440	220	SH		DFND		220	0	0
Arista Networks Inc Com	COM	040413106	4,590,871	11,961	SH		SOLE		11,961	0	0
Autodesk Inc	COM	052769106	6,612	24	SH		SOLE		24	0	0
Automatic Data Processing	COM	053015103	120,378	435	SH		DFND		435	0	0
Automatic Data Processing	COM	053015103	184,025	665	SH		SOLE		665	0	0
Autonation Inc Com	COM	05329W102	30,416	170	SH		SOLE		170	0	0
Avery Dennison Corp	COM	053611109	23,401	106	SH		SOLE		106	0	0
BP Amoco P L C Sponsored ADR	SPONSORED ADR	055622104	18,834	600	SH		SOLE		600	0	0
Bank of America Corp	COM	060505104	131,460	3,313	SH		DFND		3,313	0	0
Bank of America Corp	COM	060505104	81,542	2,055	SH		SOLE		2,055	0	0
Becton Dickinson and Company	COM	075887109	979,830	4,064	SH		SOLE		4,064	0	0
Berkshire Hathaway B	CL B NEW	084670702	484,194	1,052	SH		DFND		1,052	0	0
Berkshire Hathaway B	CL B NEW	084670702	852,402	1,852	SH		SOLE		1,852	0	0
Biogen Inc Com	COM	09062X103	3,877	20	SH		SOLE		20	0	0
Blackrock Inc Com	COM	09247X101	87,355	92	SH		SOLE		92	0	0
Blackstone Group Inc	COM	09260D107	134,754	880	SH		DFND		880	0	0
Blackstone Group Inc	COM	09260D107	1,806,934	11,800	SH		SOLE		11,800	0	0
Boeing Co Com	COM	097023105	6,082	40	SH		SOLE		40	0	0
Booking Hldgs Inc	COM	09857L108	80,030	19	SH		SOLE		19	0	0
Brinks Co Com	COM	109696104	20,237	175	SH		SOLE		175	0	0
Bristol Myers Squibb Co Com	COM	110122108	57,742	1,116	SH		DFND		1,116	0	0
Bristol Myers Squibb Co Com	COM	110122108	405,124	7,830	SH		SOLE		7,830	0	0
Broadridge Finl Solutions Incom	COM	11133T103	13,762	64	SH		SOLE		64	0	0
Broadcom Inc Nvp	COM	11135F101	198,375	1,150	SH		SOLE		1,150	0	0
Burke Herbert Financial Services Inc	COM	12135Y108	70,260	1,152	SH		SOLE		1,152	0	0
CF Industries Holdings Inc	COM	125269100	17,160	200	SH		SOLE		200	0	0
Cigna Corp	COM	125523100	2,772	8	SH		SOLE		8	0	0
CME Group Inc	COM	12572Q105	6,620	30	SH		DFND		30	0	0
CME Group Inc	COM	12572Q105	743,591	3,370	SH		SOLE		3,370	0	0
CSX Corp Com	COM	126408103	246,372	7,135	SH		DFND		7,135	0	0
CSX Corp Com	COM	126408103	2,180,224	63,140	SH		SOLE		63,140	0	0
CVS/Caremark Corp	COM	126650100	88,032	1,400	SH		DFND		1,400	0	0
CVS/Caremark Corp	COM	126650100	4,402	70	SH		SOLE		70	0	0
Canopy Growth Corp COMMON	COM NEW	138035704	159	33	SH		SOLE		33	0	0
Cardinal Health Inc Com	COM	14149Y108	55,260	500	SH		SOLE		500	0	0
Carrier Global Corp	COM	14448C104	64,392	800	SH		SOLE		800	0	0
Caterpillar Inc Del Com	COM	149123101	189,693	485	SH		DFND		485	0	0
Caterpillar Inc Del Com	COM	149123101	194,778	498	SH		SOLE		498	0	0
Centene Corp Del Com	COM	15135B101	7,528	100	SH		SOLE		100	0	0
Chesapeake Energy Corp	COM	165167735	4,935	60	SH		SOLE		60	0	0
Chesapeake Utilities Corp	COM	165303108	4,718	38	SH		SOLE		38	0	0
Chevrontexaco	COM	166764100	54,490	370	SH		DFND		370	0	0
Chevrontexaco	COM	166764100	1,957,218	13,290	SH		SOLE		13,290	0	0
Chipotle Mexican Grill Inc	COM	169656105	5,762	100	SH		SOLE		100	0	0
Choice Hotels Intl Inc	COM	169905106	19,545	150	SH		SOLE		150	0	0
Church & Dwight Co Inc Com	COM	171340102	13,614	130	SH		SOLE		130	0	0
Cisco Sys Inc Com	COM	17275R102	35,391	665	SH		DFND		665	0	0
Cisco Sys Inc Com	COM	17275R102	1,329,595	24,983	SH		SOLE		24,983	0	0
Citigroup Inc	COM NEW	172967424	4,632	74	SH		SOLE		74	0	0
Clean Harbors Inc Com	COM	184496107	26,588	110	SH		SOLE		110	0	0
Clorox Company Common	COM	189054109	8,146	50	SH		SOLE		50	0	0
Coca Cola Co Com	COM	191216100	150,475	2,094	SH		DFND		2,094	0	0
Coca Cola Co Com	COM	191216100	295,632	4,114	SH		SOLE		4,114	0	0
Cognex Corp	COM	192422103	8,100	200	SH		DFND		200	0	0
Colgate Palmolive Co Com	COM	194162103	52,424	505	SH		DFND		505	0	0
Colgate Palmolive Co Com	COM	194162103	31,143	300	SH		SOLE		300	0	0
Comcast Corp New CL A	CL A	20030N101	28,195	675	SH		DFND		675	0	0
Comcast Corp New CL A	CL A	20030N101	903,527	21,631	SH		SOLE		21,631	0	0
Conagra Foods Inc	COM	205887102	29,268	900	SH		SOLE		900	0	0
ConocoPhillips	COM	20825C104	63,484	603	SH		SOLE		603	0	0
Constellation Energy Corp Com	COM	21037T109	158,092	608	SH		SOLE		608	0	0
Costco Whsl Corp New	COM	22160K105	179,077	202	SH		DFND		202	0	0
Costco Whsl Corp New	COM	22160K105	2,117,896	2,389	SH		SOLE		2,389	0	0
Costar Group Inc	COM	22160N109	7,544	100	SH		SOLE		100	0	0
Cummins Inc	COM	231021106	23,637	73	SH		SOLE		73	0	0
Xtrackers MSCI Japan Hedged Equity ETF	XTRACK MSCI JAPN	233051507	92,119	1,290	SH		SOLE		1,290	0	0
DBX ETF Tr Xtrack MSCI Eurp	XTRACK MSCI EURP	233051853	337,238	7,965	SH		SOLE		7,965	0	0
Duff & Phelps Utils Income Icom	COM	23325P104	8,243	821	SH		SOLE		821	0	0
D R Horton Inc	COM	23331A109	218,622	1,146	SH		SOLE		1,146	0	0
Danaher Corp Del Com	COM	235851102	72,285	260	SH		DFND		260	0	0
Danaher Corp Del Com	COM	235851102	3,419,646	12,300	SH		SOLE		12,300	0	0
Darden Restaurants Inc Com	COM	237194105	299,537	1,825	SH		DFND		1,825	0	0
Darling International Inc.	COM	237266101	11,148	300	SH		SOLE		300	0	0
Deere & Company	COM	244199105	304,651	730	SH		SOLE		730	0	0
Delta Air Lines Inc Del Com New	COM NEW	247361702	51,552	1,015	SH		DFND		1,015	0	0
Digital Rlty Tr Inc	COM	253868103	18,610	115	SH		DFND		115	0	0
Digital Rlty Tr Inc	COM	253868103	724,513	4,477	SH		SOLE		4,477	0	0
DFA US Small Cap ETF	US SMALL CAP ETF	25434V500	43,781	675	SH		SOLE		675	0	0
Disney Walt Co Com Disney	COM	254687106	99,557	1,035	SH		DFND		1,035	0	0
Disney Walt Co Com Disney	COM	254687106	592,338	6,158	SH		SOLE		6,158	0	0
Discover Financial Services	COM	254709108	21,044	150	SH		DFND		150	0	0
Dominion New RES Inc VA New	COM	25746U109	28,895	500	SH		DFND		500	0	0
Dominion New RES Inc VA New	COM	25746U109	385,864	6,677	SH		SOLE		6,677	0	0
Dow Inc Com	COM	260557103	44,851	821	SH		DFND		821	0	0
Dow Inc Com	COM	260557103	495,330	9,067	SH		SOLE		9,067	0	0
Duke Energy Corp New	COM NEW	26441C204	154,156	1,337	SH		DFND		1,337	0	0
Duke Energy Corp New	COM NEW	26441C204	35,858	311	SH		SOLE		311	0	0
DuPont DE Nemours Inc	COM	26614N102	10,337	116	SH		DFND		116	0	0
DuPont DE Nemours Inc	COM	26614N102	477,095	5,354	SH		SOLE		5,354	0	0
EOG RES Inc	COM	26875P101	6,269	51	SH		DFND		51	0	0
EOG RES Inc	COM	26875P101	604,078	4,914	SH		SOLE		4,914	0	0
EQT Corp	COM	26884L109	63,204	1,725	SH		DFND		1,725	0	0
Eastman Chem Co Com	COM	277432100	8,956	80	SH		SOLE		80	0	0
Ecolab Inc	COM	278865100	47,236	185	SH		DFND		185	0	0
Ecolab Inc	COM	278865100	903,358	3,538	SH		SOLE		3,538	0	0
Edwards Lifesciences Corp	COM	28176E108	11,614	176	SH		SOLE		176	0	0
Emerson Elec Co Com	COM	291011104	43,748	400	SH		DFND		400	0	0
Emerson Elec Co Com	COM	291011104	10,718	98	SH		SOLE		98	0	0
LP Energy Transfer Eq	COM UT LTD PTN	29273V100	180,563	11,250	SH		SOLE		11,250	0	0
Enterprise Partners LP	COM	293792107	2,911	100	SH		SOLE		100	0	0
Erie Indty Co CL A	CL A	29530P102	5,398,200	10,000	SH		DFND		10,000	0	0
Exelon Corp	COM	30161N101	99,429	2,452	SH		SOLE		2,452	0	0
Exxon Mobil Corp Com	COM	30231G102	46,888	400	SH		DFND		400	0	0
Exxon Mobil Corp Com	COM	30231G102	1,036,225	8,840	SH		SOLE		8,840	0	0
Facebook	CL A	30303M102	667,465	1,166	SH		SOLE		1,166	0	0
FactSet Research Sys Inc	COM	303075105	22,993	50	SH		SOLE		50	0	0
Fidelity Nasdaq Cmps IDX ET	NASDAQ COMPSIT	315912808	1,184,980	16,550	SH		SOLE		16,550	0	0
Fideltiy Total Bond ETF	TOTAL BD ETF	316188309	27,810	595	SH		DFND		595	0	0
Fideltiy Total Bond ETF	TOTAL BD ETF	316188309	2,588,882	55,389	SH		SOLE		55,389	0	0
First Tr Exch Traded FD III Pfd Secs Inc ETF	PFD SECS INC ETF	33739E108	3,982	220	SH		DFND		220	0	0
First Tr Global Tactical CM	FST TR GLB FD	33739H101	1,777	75	SH		DFND		75	0	0
First Tr Global Tactical CM	FST TR GLB FD	33739H101	92,415	3,901	SH		SOLE		3,901	0	0
Firstenergy Corp Com	COM	337932107	57,212	1,290	SH		SOLE		1,290	0	0
Flexshares Tr Hig Yld Vl ETF	HIG YLD VL ETF	33939L662	65,414	1,570	SH		DFND		1,570	0	0
Flexshares Tr Hig Yld Vl ETF	HIG YLD VL ETF	33939L662	2,544,065	61,060	SH		SOLE		61,060	0	0
Flexshares Stoxx US ESG Impact Index	STOX US ESG SLCT	33939L696	5,178,738	38,121	SH		SOLE		38,121	0	0
Ford Motor Co Del	COM	345370860	21,754	2,060	SH		SOLE		2,060	0	0
Fortinet Inc Com	COM	34959E109	95,387	1,230	SH		DFND		1,230	0	0
Fortinet Inc Com	COM	34959E109	1,427,696	18,410	SH		SOLE		18,410	0	0
Fortive Corp Com	COM	34959J108	7,893	100	SH		SOLE		100	0	0
Fortrea Holdings Inc	COMMON STOCK	34965K107	600	30	SH		SOLE		30	0	0
Four Corners Ppty Tr Inc Com	COM	35086T109	23,448	800	SH		DFND		800	0	0
Frequency Electronics	COM	358010106	60,400	5,000	SH		DFND		5,000	0	0
GE Healthcare Technologies Inc	COMMON STOCK	36266G107	9,291	99	SH		DFND		99	0	0
GE Healthcare Technologies Inc	COMMON STOCK	36266G107	5,725	61	SH		SOLE		61	0	0
Gamestop Corp New CL A	CL A	36467W109	91,720	4,000	SH		SOLE		4,000	0	0
Ge Vernova Inc Corp Com	COM	36828A101	12,749	50	SH		DFND		50	0	0
Ge Vernova Inc Corp Com	COM	36828A101	11,729	46	SH		SOLE		46	0	0
General Electric Co USD 0.06	COM NEW	369604301	37,716	200	SH		DFND		200	0	0
General Electric Co USD 0.06	COM NEW	369604301	44,693	237	SH		SOLE		237	0	0
General Mls Inc Com	COM	370334104	60,926	825	SH		SOLE		825	0	0
General Motors Co	COM	37045V100	4,484	100	SH		SOLE		100	0	0
Genuine Parts Co	COM	372460105	27,238	195	SH		DFND		195	0	0
Genuine Parts Co	COM	372460105	880,543	6,304	SH		SOLE		6,304	0	0
Genworth Finl Inc CL A	COM SHS	37247D106	2,500	365	SH		SOLE		365	0	0
Global X FDS US Infr Dev ETF	US INFR DEV ETF	37954Y673	64,415	1,565	SH		DFND		1,565	0	0
Global X Lith & Btry Tec ET	LITHIUM BTRY ETF	37954Y855	12,641	290	SH		DFND		290	0	0
Goldman Sachs Group Inc	COM	38141G104	24,756	50	SH		SOLE		50	0	0
Goodyear Tire & Rubr Co Com	COM	382550101	929	105	SH		SOLE		105	0	0
HCA Holdings Inc	COM	40412C101	10,161	25	SH		SOLE		25	0	0
Halliburton Co Com	COM	406216101	29,050	1,000	SH		DFND		1,000	0	0
Harley Davidson Inc Com	COM	412822108	7,706	200	SH		DFND		200	0	0
Harley Davidson Inc Com	COM	412822108	13,871	360	SH		SOLE		360	0	0
Hartford Group Inc	COM	416515104	44,927	382	SH		SOLE		382	0	0
Home Depot Inc Com	COM	437076102	101,300	250	SH		DFND		250	0	0
Home Depot Inc Com	COM	437076102	993,956	2,453	SH		SOLE		2,453	0	0
Honeywell Intl Inc Com	COM	438516106	27,906	135	SH		DFND		135	0	0
Honeywell Intl Inc Com	COM	438516106	2,434,837	11,779	SH		SOLE		11,779	0	0
Humana Inc Com	COM	444859102	7,919	25	SH		SOLE		25	0	0
Huntington Bancshares Inc Com	COM	446150104	196,833	13,390	SH		SOLE		13,390	0	0
IDEX Corp	COM	45167R104	9,653	45	SH		SOLE		45	0	0
IDEXX Labs Inc Com	COM	45168D104	40,923	81	SH		SOLE		81	0	0
Illinois Tool WKS Inc	COM	452308109	49,793	190	SH		DFND		190	0	0
Illinois Tool WKS Inc	COM	452308109	1,369,840	5,227	SH		SOLE		5,227	0	0
Ingevity Corp Com	COM	45688C107	3,120	80	SH		SOLE		80	0	0
Intel Corp Com	COM	458140100	18,768	800	SH		DFND		800	0	0
Intel Corp Com	COM	458140100	52,550	2,240	SH		SOLE		2,240	0	0
Intellia Thereutics Inc	COM	45826J105	2,055	100	SH		SOLE		100	0	0
International Business MacHscom	COM	459200101	326,093	1,475	SH		DFND		1,475	0	0
International Business MacHscom	COM	459200101	397,502	1,798	SH		SOLE		1,798	0	0
Invesco QQQ Unit Series 1	UNIT SER 1	46090E103	158,623	325	SH		DFND		325	0	0
Invesco QQQ Unit Series 1	UNIT SER 1	46090E103	18,293,840	37,482	SH		SOLE		37,482	0	0
Intuit Inc	COM	461202103	45,954	74	SH		SOLE		74	0	0
Intuituve Surgical Inc	COM NEW	46120E602	27,020	55	SH		DFND		55	0	0
Intuituve Surgical Inc	COM NEW	46120E602	1,761,694	3,586	SH		SOLE		3,586	0	0
Invesco Water RES ETF Trust	WATER RES ETF	46137V142	35,975	510	SH		DFND		510	0	0
Invesco Water RES ETF Trust	WATER RES ETF	46137V142	170,001	2,410	SH		SOLE		2,410	0	0
Invesco S&P 500 Equal Weight	S&P500 EQL WGT	46137V357	51,061	285	SH		DFND		285	0	0
Invesco S&P 500 Equal Weight	S&P500 EQL WGT	46137V357	5,277,158	29,455	SH		SOLE		29,455	0	0
Invesco S&P 500 Garp ETF	S&P 500 GARP ETF	46137V431	53,905	515	SH		DFND		515	0	0
Invesco S&P 500 Garp ETF	S&P 500 GARP ETF	46137V431	4,708,894	44,988	SH		SOLE		44,988	0	0
Invesco Preferred ETF	PFD ETF	46138E511	14,203	1,150	SH		DFND		1,150	0	0
Invesco Preferred ETF	PFD ETF	46138E511	248,593	20,129	SH		SOLE		20,129	0	0
Invesco Natl AMT-Free Mun Bd ETF	NATL AMT MUNI	46138E537	30,188	1,250	SH		DFND		1,250	0	0
Invesco Natl AMT-Free Mun Bd ETF	NATL AMT MUNI	46138E537	398,258	16,491	SH		SOLE		16,491	0	0
Invesco Sr Loan ETF	SR LN ETF	46138G508	1,051	50	SH		DFND		50	0	0
Invesco Sr Loan ETF	SR LN ETF	46138G508	283,950	13,515	SH		SOLE		13,515	0	0
Invesco Taxable Municipal Bond ETF	TAXABLE MUN BD	46138G805	5,514	200	SH		SOLE		200	0	0
Iovance Biotherapeutics Inc.	COM	462260100	9,390	1,000	SH		SOLE		1,000	0	0
iShares Gold ETF iShares New	ISHARES NEW	464285204	94,529	1,902	SH		DFND		1,902	0	0
iShares Select Dividend ETF	SELECT DIVID ETF	464287168	55,379	410	SH		DFND		410	0	0
iShares Select Dividend ETF	SELECT DIVID ETF	464287168	7,194,098	53,262	SH		SOLE		53,262	0	0
iShares TIPS Bond ETF	TIPS BD ETF	464287176	1,105	10	SH		DFND		10	0	0
iShares TIPS Bond ETF	TIPS BD ETF	464287176	380,901	3,448	SH		SOLE		3,448	0	0
iShares Transportation Avg ETF	US TRSPRTION	464287192	289,284	4,198	SH		SOLE		4,198	0	0
iShares Core S&P 500 ETF	CORE S&P500 ETF	464287200	3,783,362	6,559	SH		SOLE		6,559	0	0
iShares Tr Core US AGG Bond ETF	CORE US AGGBD ET	464287226	2,025	20	SH		SOLE		20	0	0
iShares MSCI Emerging Markets ETF	MSCI EMG MKT ETF	464287234	143,771	3,135	SH		SOLE		3,135	0	0
iShares Iboxx Invest Grade CRP Bond	IBOXX INV CP ETF	464287242	2,260	20	SH		DFND		20	0	0
iShares Tr S&P 500 Grwt ETF	S&P 500 GRWT ETF	464287309	9,575	100	SH		SOLE		100	0	0
iShares Tr S&P 500 Val ETF	S&P 500 VAL ETF	464287408	4,929	25	SH		SOLE		25	0	0
Barclays 1-3 Year Treasury Bond	1 3 YR TREAS BD	464287457	2,079	25	SH		DFND		25	0	0
Barclays 1-3 Year Treasury Bond	1 3 YR TREAS BD	464287457	9,978	120	SH		SOLE		120	0	0
iShares MSCI Eafe ETF	MSCI EAFE ETF	464287465	58,876	704	SH		SOLE		704	0	0
iShares Russell Midcap Value ETF	RUS MDCP VAL ETF	464287473	520,536	3,936	SH		SOLE		3,936	0	0
iShares Russell Midcap Growth ETF	RUS MD CP GR ETF	464287481	769,422	6,560	SH		SOLE		6,560	0	0
iShares Russell Mid-Cap ETF	RUS MID CAP ETF	464287499	2,700,081	30,634	SH		SOLE		30,634	0	0
iShares Tr Core S&P McP ETF	CORE S&P MCP ETF	464287507	160,474	2,575	SH		SOLE		2,575	0	0
iShares Russell 1000 Value ETF	RUS 1000 VAL ETF	464287598	794,693	4,187	SH		SOLE		4,187	0	0
iShares Russell 1000 Growth ETF	RUS 1000 GRW ETF	464287614	2,994,031	7,976	SH		SOLE		7,976	0	0
iShares Russell 2000 Value ETF	RUS 2000 VAL ETF	464287630	108,600	651	SH		SOLE		651	0	0
iShares Russell 2000 Growth ETF	RUS 2000 GRW ETF	464287648	169,832	598	SH		SOLE		598	0	0
iShares Russell 2000 ETF	RUSSELL 2000 ETF	464287655	136,952	620	SH		SOLE		620	0	0
iShares US Telecomunications ETF	US TELECOM ETF	464287713	13,514	535	SH		SOLE		535	0	0
iShares Dow Jones US Technology	U.S. TECH ETF	464287721	2,672,303	17,625	SH		SOLE		17,625	0	0
iShares Dow Jones US Real Estate	U.S. REAL ES ETF	464287739	110,835	1,088	SH		SOLE		1,088	0	0
iShares Dow Jones US Healthcare	US HLTHCARE ETF	464287762	26,000	400	SH		DFND		400	0	0
iShares Dow Jones US Healthcare	US HLTHCARE ETF	464287762	389,350	5,990	SH		SOLE		5,990	0	0
iShares Core S&P Small Cap ETF	CORE S&P SCP ETF	464287804	15,790	135	SH		SOLE		135	0	0
iShares S&P Small Cap 600 Value ETF	SP SMCP600VL ETF	464287879	21,532	200	SH		SOLE		200	0	0
iShares S&P Smallcap 600/Barra Growth Index FD	S&P SML 600 GWT	464287887	93,458	670	SH		SOLE		670	0	0
iShares Global Clean Energy	GL CLEAN ENE ETF	464288224	8,226	560	SH		SOLE		560	0	0
iShares Tr JP Mor Em Mk ETF	JPMORGAN USD EMG	464288281	936	10	SH		DFND		10	0	0
iShares Tr JP Mor Em Mk ETF	JPMORGAN USD EMG	464288281	42,672	456	SH		SOLE		456	0	0
iShares Govt/Credit Bond	GOV/CRED BD ETF	464288596	60,578	567	SH		SOLE		567	0	0
iShares 1-3 Yr Cr Bd ETF	ISHS 1-5YR INVS	464288646	2,106	40	SH		DFND		40	0	0
iShares 1-3 Yr Cr Bd ETF	ISHS 1-5YR INVS	464288646	501,113	9,516	SH		SOLE		9,516	0	0
iShares Tr 3 7 Yr Treas Bd	3 7 YR TREAS BD	464288661	2,990	25	SH		DFND		25	0	0
iShares Tr 3 7 Yr Treas Bd	3 7 YR TREAS BD	464288661	293,032	2,450	SH		SOLE		2,450	0	0
iShares Tr U.S. Med Dvc ETF	U.S. MED DVC ETF	464288810	126,139	2,130	SH		SOLE		2,130	0	0
iShares Silver Trust	ISHARES	46428Q109	17,330	610	SH		DFND		610	0	0
iShares Silver Trust	ISHARES	46428Q109	5,540	195	SH		SOLE		195	0	0
iShares Floating Rate Bond	FLTG RATE NT ETF	46429B655	29,348	575	SH		DFND		575	0	0
iShares Floating Rate Bond	FLTG RATE NT ETF	46429B655	1,386,451	27,164	SH		SOLE		27,164	0	0
iShares 0-5 Year TIPS Bond ETF	0-5 YR TIPS ETF	46429B747	1,520	15	SH		DFND		15	0	0
iShares 0-5 Year TIPS Bond ETF	0-5 YR TIPS ETF	46429B747	161,200	1,591	SH		SOLE		1,591	0	0
iShares Tr Core MSCI Eafe ETF	CORE MSCI EAFE	46432F842	30,440	390	SH		DFND		390	0	0
iShares Tr Core MSCI Eafe ETF	CORE MSCI EAFE	46432F842	3,817,504	48,911	SH		SOLE		48,911	0	0
iShares in Core MSCI Emerging Mkts	CORE MSCI EMKT	46434G103	64,586	1,125	SH		DFND		1,125	0	0
iShares in Core MSCI Emerging Mkts	CORE MSCI EMKT	46434G103	2,615,887	45,565	SH		SOLE		45,565	0	0
iShares ESG S&P Mid-Cap ETF	ESG SCRD S&P MID	46436E551	19,030	450	SH		DFND		450	0	0
iShares ESG S&P Mid-Cap ETF	ESG SCRD S&P MID	46436E551	789,103	18,660	SH		SOLE		18,660	0	0
IShares Bitcoin Trust	SHS	46438F101	93,396	2,585	SH		DFND		2,585	0	0
IShares Bitcoin Trust	SHS	46438F101	756,020	20,925	SH		SOLE		20,925	0	0
J P Morgan Chase & Co	COM	46625H100	156,036	740	SH		DFND		740	0	0
J P Morgan Chase & Co	COM	46625H100	3,707,341	17,582	SH		SOLE		17,582	0	0
Johnson & Johnson Com	COM	478160104	183,938	1,135	SH		DFND		1,135	0	0
Johnson & Johnson Com	COM	478160104	2,249,393	13,880	SH		SOLE		13,880	0	0
KLA-Tencor Corp	COM NEW	482480100	269,495	348	SH		SOLE		348	0	0
KKR & Co Inc Com	COM	48251W104	65,290	500	SH		DFND		500	0	0
Key Corp	COM	493267108	34,170	2,040	SH		SOLE		2,040	0	0
Kimberly Clark Corp Com	COM	494368103	63,599	447	SH		SOLE		447	0	0
Knight Swift Transportation Holdings Inc	CL A	499049104	5,017	93	SH		SOLE		93	0	0
Kohls Corp	COM	500255104	781	37	SH		SOLE		37	0	0
Kraft Heinzcompany	COM	500754106	4,775	136	SH		SOLE		136	0	0
Kyndryl Hldgs Inc Common Stock	COMMON STOCK	50155Q100	4,136	180	SH		SOLE		180	0	0
Labcorp Holdings Inc. Ordinary Shares	COM SHS	504922105	6,704	30	SH		SOLE		30	0	0
Lam Research Corp Com	COM	512807108	63,654	78	SH		SOLE		78	0	0
Leggett & Platt Inc Com	COM	524660107	33,233	2,440	SH		SOLE		2,440	0	0
Liberty All Star Eqty Shs Ben Int	SH BEN INT	530158104	4,452	627	SH		SOLE		627	0	0
Lilly Eli & Co Com	COM	532457108	212,626	240	SH		DFND		240	0	0
Lilly Eli & Co Com	COM	532457108	660,025	745	SH		SOLE		745	0	0
Live Nation Entertainment Incom	COM	538034109	6,898	63	SH		SOLE		63	0	0
Lockheed Martin Corp	COM	539830109	58,456	100	SH		DFND		100	0	0
Lockheed Martin Corp	COM	539830109	219,210	375	SH		SOLE		375	0	0
Lowes Cos Inc Com	COM	548661107	211,263	780	SH		DFND		780	0	0
Lowes Cos Inc Com	COM	548661107	3,768,065	13,912	SH		SOLE		13,912	0	0
Lucid Group Inc	COM	549498103	1,765	500	SH		SOLE		500	0	0
M & T Bank Corp	COM	55261F104	204,838	1,150	SH		DFND		1,150	0	0
M & T Bank Corp	COM	55261F104	1,354,959	7,607	SH		SOLE		7,607	0	0
MSCI Inc	COM	55354G100	49,549	85	SH		SOLE		85	0	0
Macy Inc	COM	55616P104	1,098	70	SH		SOLE		70	0	0
Mainstreet Bancshares Inc Com	COM	56064Y100	14,576	790	SH		SOLE		790	0	0
Manulife Financial Corp	COM	56501R106	9,663	327	SH		SOLE		327	0	0
Marathon Oil Corp	COM	565849106	14,300	537	SH		SOLE		537	0	0
Marathon Pete Corp	COM	56585A102	108,824	668	SH		SOLE		668	0	0
Marsh & McLennan Companies, Inc.	COM	571748102	45,733	205	SH		SOLE		205	0	0
Marriott Int CL A	CL A	571903202	82,038	330	SH		DFND		330	0	0
Marriott Int CL A	CL A	571903202	58,918	237	SH		SOLE		237	0	0
Mastercard Inc	CL A	57636Q104	22,221	45	SH		DFND		45	0	0
Mastercard Inc	CL A	57636Q104	2,126,797	4,307	SH		SOLE		4,307	0	0
McDonalds Corp Com	COM	580135101	426,314	1,400	SH		DFND		1,400	0	0
McDonalds Corp Com	COM	580135101	2,731,455	8,970	SH		SOLE		8,970	0	0
McKesson Corp Com	COM	58155Q103	111,245	225	SH		SOLE		225	0	0
Merck & Co Inc Com	COM	58933Y105	327,280	2,882	SH		DFND		2,882	0	0
Merck & Co Inc Com	COM	58933Y105	258,917	2,280	SH		SOLE		2,280	0	0
Metlife, Inc.	COM	59156R108	123,308	1,495	SH		SOLE		1,495	0	0
Microsoft Corp Com	COM	594918104	912,236	2,120	SH		DFND		2,120	0	0
Microsoft Corp Com	COM	594918104	6,591,335	15,318	SH		SOLE		15,318	0	0
Microchip Technology Inc. Com	COM	595017104	107,589	1,340	SH		DFND		1,340	0	0
Microchip Technology Inc. Com	COM	595017104	2,209,260	27,516	SH		SOLE		27,516	0	0
Micron Technology Inc Com	COM	595112103	10,371	100	SH		SOLE		100	0	0
Mid-America Apartment Communities Inc.	COM	59522J103	31,780	200	SH		SOLE		200	0	0
Molson Coors Beverage CO Compa CLASS B CORP COMMON	CL B	60871R209	40,264	700	SH		SOLE		700	0	0
Mondelez International Inc	CL A	609207105	20,259	275	SH		DFND		275	0	0
Mondelez International Inc	CL A	609207105	103,801	1,409	SH		SOLE		1,409	0	0
Morgan Stanley Dean Witter	COM NEW	617446448	33,878	325	SH		DFND		325	0	0
Morgan Stanley Dean Witter	COM NEW	617446448	25,330	243	SH		SOLE		243	0	0
Motorola Solutions Inc Com New	COM NEW	620076307	58,452	130	SH		SOLE		130	0	0
Murphy USA Inc Com	COM	626755102	20,701	42	SH		SOLE		42	0	0
Nnn REIT Inc Com	COM	637417106	43,641	900	SH		DFND		900	0	0
Neogenomics Inc Com New	COM NEW	64049M209	383,500	26,000	SH		SOLE		26,000	0	0
Net Lease Office Properties	COM	64110Y108	827	27	SH		DFND		27	0	0
Nexstar Media Grop	COMMON STOCK	65336K103	34,724	210	SH		DFND		210	0	0
Nextera Energy Inc	COM	65339F101	30,431	360	SH		DFND		360	0	0
Nextera Energy Inc	COM	65339F101	844,117	9,986	SH		SOLE		9,986	0	0
Nike Inc CL B	CL B	654106103	23,603	267	SH		SOLE		267	0	0
Norfolk Southern Corp Com	COM	655844108	88,218	355	SH		DFND		355	0	0
Norfolk Southern Corp Com	COM	655844108	32,305	130	SH		SOLE		130	0	0
Novartis AG ADR	SPONSORED ADR	66987V109	23,004	200	SH		SOLE		200	0	0
Novo Nordisk A/S	ADR	670100205	12,502	105	SH		SOLE		105	0	0
Nucor Corp	COM	670346105	7,517	50	SH		DFND		50	0	0
Nucor Corp	COM	670346105	452,523	3,010	SH		SOLE		3,010	0	0
Nvidia Corp	COM	67066G104	116,582	960	SH		DFND		960	0	0
Nvidia Corp	COM	67066G104	4,022,093	33,120	SH		SOLE		33,120	0	0
Nuveen Quality Municipal Inc	COM	67066V101	6,190	500	SH		SOLE		500	0	0
Nuveen ESG Small-Cap ETF	NUVEEN ESG SMLCP	67092P607	336,722	7,860	SH		SOLE		7,860	0	0
Occidental Pete Corp Del Com	COM	674599105	85,041	1,650	SH		SOLE		1,650	0	0
Omega Healthcare Invs Inc	COM	681936100	175,498	4,312	SH		DFND		4,312	0	0
Oracle Corp Com	COM	68389X105	34,080	200	SH		DFND		200	0	0
Oracle Corp Com	COM	68389X105	261,223	1,533	SH		SOLE		1,533	0	0
Otis Worldwide Corp Com	COM	68902V107	33,781	325	SH		SOLE		325	0	0
PGIM Ultra-Short Bond ETF	PGIM ULTRA SH BD	69344A107	53,514	1,075	SH		DFND		1,075	0	0
PGIM Ultra-Short Bond ETF	PGIM ULTRA SH BD	69344A107	1,495,989	30,052	SH		SOLE		30,052	0	0
PNC Finl Svcs Group Inc Com	COM	693475105	1,881,034	10,176	SH		DFND		10,176	0	0
PNC Finl Svcs Group Inc Com	COM	693475105	406,855	2,201	SH		SOLE		2,201	0	0
PPG Inds Inc Com	COM	693506107	432,879	3,268	SH		SOLE		3,268	0	0
Palantir Technologies Inc CL A	CL A	69608A108	56,953	1,531	SH		SOLE		1,531	0	0
Palo Alto Networks Inc Com	COM	697435105	8,545	25	SH		DFND		25	0	0
Palo Alto Networks Inc Com	COM	697435105	338,724	991	SH		SOLE		991	0	0
Parker Hannifin Corp	COM	701094104	37,277	59	SH		SOLE		59	0	0
PayPal Hldgs Inc Com	COM	70450Y103	186,882	2,395	SH		SOLE		2,395	0	0
PepsiCo Inc Com	COM	713448108	127,538	750	SH		DFND		750	0	0
PepsiCo Inc Com	COM	713448108	1,986,864	11,684	SH		SOLE		11,684	0	0
Pfizer Inc Com	COM	717081103	188,602	6,517	SH		DFND		6,517	0	0
Pfizer Inc Com	COM	717081103	129,651	4,480	SH		SOLE		4,480	0	0
Phillip Morris Intl, Inc.	COM	718172109	54,509	449	SH		DFND		449	0	0
Phillip Morris Intl, Inc.	COM	718172109	202,495	1,668	SH		SOLE		1,668	0	0
Phillips 66	COM	718546104	26,290	200	SH		SOLE		200	0	0
Pinnacle West Cap Corp Com	COM	723484101	35,436	400	SH		DFND		400	0	0
Polaris Inds Inc Com	COM	731068102	35,377	425	SH		SOLE		425	0	0
Price T Rowe Group Inc	COM	74144T108	20,370	187	SH		SOLE		187	0	0
Procter & Gamble Co Com	COM	742718109	172,680	997	SH		DFND		997	0	0
Procter & Gamble Co Com	COM	742718109	2,400,552	13,860	SH		SOLE		13,860	0	0
Prudential Financial Inc	COM	744320102	22,404	185	SH		DFND		185	0	0
Prudential Financial Inc	COM	744320102	521,093	4,303	SH		SOLE		4,303	0	0
Qualcomm Inc Com	COM	747525103	69,721	410	SH		DFND		410	0	0
Qualcomm Inc Com	COM	747525103	129,238	760	SH		SOLE		760	0	0
Quanta Services Inc	COM	74762E102	8,945	30	SH		DFND		30	0	0
Quanta Services Inc	COM	74762E102	344,363	1,155	SH		SOLE		1,155	0	0
RGC Resources Inc	COM	74955L103	21,013	931	SH		DFND		931	0	0
Raytheon Technologies Corp	COM	75513E101	220,511	1,820	SH		SOLE		1,820	0	0
Republic Svcs Inc Com	COM	760759100	499,087	2,485	SH		SOLE		2,485	0	0
Rockwell Intl Corp New Automation	COM	773903109	25,772	96	SH		SOLE		96	0	0
Roper Technologies Inc	COM	776696106	16,693	30	SH		DFND		30	0	0
Roper Technologies Inc	COM	776696106	1,317,650	2,368	SH		SOLE		2,368	0	0
Ross Stores Inc	COM	778296103	69,987	465	SH		SOLE		465	0	0
Shell PLC Spon ADS	SPON ADS	780259305	17,477	265	SH		SOLE		265	0	0
SPDR S&P 500 Index	TR UNIT	78462F103	14,344	25	SH		DFND		25	0	0
SPDR S&P 500 Index	TR UNIT	78462F103	3,923,371	6,838	SH		SOLE		6,838	0	0
SPDR Gold Trust ETF	GOLD SHS	78463V107	52,987	218	SH		SOLE		218	0	0
SPDR Ser Tr S&P Divid ETF	S&P DIVID ETF	78464A763	24,147	170	SH		SOLE		170	0	0
SPDR Ser Tr S&P Semicndctr	S&P SEMICNDCTR	78464A862	11,292	47	SH		SOLE		47	0	0
SPDR Series Trust S&P Biotech	S&P BIOTECH	78464A870	11,066	112	SH		SOLE		112	0	0
SPDR Dow Jones Industrial Average	UT SER 1	78467X109	4,231	10	SH		DFND		10	0	0
SPDR Dow Jones Industrial Average	UT SER 1	78467X109	292,376	691	SH		SOLE		691	0	0
SPDR Serie Bloomberg Barclays High	BLOOMBERG HIGH Y	78468R622	1,956	20	SH		SOLE		20	0	0
SPDR Nuveen Barclays Sht Trm	NUVEEN BLMBRG SH	78468R739	44,530	925	SH		SOLE		925	0	0
Salesforce Com Inc	COM	79466L302	9,580	35	SH		DFND		35	0	0
Salesforce Com Inc	COM	79466L302	1,212,262	4,429	SH		SOLE		4,429	0	0
Sandy Spring Bancorp	COM	800363103	9,411	300	SH		SOLE		300	0	0
Schwab Charles Corp New	COM	808513105	4,213	65	SH		SOLE		65	0	0
Materials Sector SPDR	SBI MATERIALS	81369Y100	1,446	15	SH		DFND		15	0	0
Materials Sector SPDR	SBI MATERIALS	81369Y100	121,728	1,263	SH		SOLE		1,263	0	0
Select Sector SPDR Tr SBI Healthcare	SBI HEALTHCARE	81369Y209	30,804	200	SH		DFND		200	0	0
Select Sector SPDR Tr SBI Healthcare	SBI HEALTHCARE	81369Y209	143,547	932	SH		SOLE		932	0	0
Consumer Staples Sector SPDR	SBI CONS STPLS	81369Y308	1,245	15	SH		DFND		15	0	0
Consumer Staples Sector SPDR	SBI CONS STPLS	81369Y308	302,286	3,642	SH		SOLE		3,642	0	0
Consumer Discretionary Sector SPDR	SBI CONS DISCR	81369Y407	21,039	105	SH		DFND		105	0	0
Consumer Discretionary Sector SPDR	SBI CONS DISCR	81369Y407	553,021	2,760	SH		SOLE		2,760	0	0
Energy Sector SPDR	ENERGY	81369Y506	1,317	15	SH		DFND		15	0	0
Energy Sector SPDR	ENERGY	81369Y506	68,484	780	SH		SOLE		780	0	0
Financial Sector SPDR	FINANCIAL	81369Y605	340,263	7,508	SH		SOLE		7,508	0	0
Industrial Sector SPDR	INDL	81369Y704	13,544	100	SH		DFND		100	0	0
Industrial Sector SPDR	INDL	81369Y704	312,054	2,304	SH		SOLE		2,304	0	0
Select Sector SPDR Tr Technology	TECHNOLOGY	81369Y803	5,644	25	SH		DFND		25	0	0
Select Sector SPDR Tr Technology	TECHNOLOGY	81369Y803	1,271,706	5,633	SH		SOLE		5,633	0	0
Communication Services Select SPDR	COMMUNICATION	81369Y852	638,224	7,060	SH		SOLE		7,060	0	0
Select SEC Real Estate	RL EST SEL SEC	81369Y860	6,030	135	SH		DFND		135	0	0
Select SEC Real Estate	RL EST SEL SEC	81369Y860	365,043	8,172	SH		SOLE		8,172	0	0
Utilities Sector SPDR	SBI INT-UTILS	81369Y886	68,663	850	SH		DFND		850	0	0
Utilities Sector SPDR	SBI INT-UTILS	81369Y886	250,660	3,103	SH		SOLE		3,103	0	0
Servicenow Inc	COM	81762P102	8,944	10	SH		DFND		10	0	0
Servicenow Inc	COM	81762P102	411,419	460	SH		SOLE		460	0	0
Sherwin Williams Co.	COM	824348106	6,107	16	SH		SOLE		16	0	0
Shopify Inc	CL A	82509L107	359,829	4,490	SH		SOLE		4,490	0	0
Simon Property Group Inc	COM	828806109	19,099	113	SH		SOLE		113	0	0
Snowflake Inc Ordinary Shares - Class A	CL A	833445109	13,209	115	SH		DFND		115	0	0
Solventum Corp Com	COM SHS	83444M101	1,394	20	SH		SOLE		20	0	0
Southern Co Com	COM	842587107	156,913	1,740	SH		DFND		1,740	0	0
Southern Co Com	COM	842587107	1,683,661	18,670	SH		SOLE		18,670	0	0
Southwestern Energy Co Com	COM	845467109	1,067	150	SH		SOLE		150	0	0
Square Inc.	CL A	852234103	30,209	450	SH		SOLE		450	0	0
Sysco Corp	COM	871829107	27,321	350	SH		SOLE		350	0	0
TJX Cos Inc New	COM	872540109	123,417	1,050	SH		SOLE		1,050	0	0
Take-Two Interactive Softwarcom	COM	874054109	19,982	130	SH		SOLE		130	0	0
Target Corp	COM	87612E106	97,568	626	SH		SOLE		626	0	0
Tesla Inc Com	COM	88160R101	464,655	1,776	SH		SOLE		1,776	0	0
Texas Instrs Inc Com	COM	882508104	109,482	530	SH		SOLE		530	0	0
The ODP Corp USD 0.01	COM	88337F105	298	10	SH		SOLE		10	0	0
Thermo Fisher Scientific Inc	COM	883556102	73,610	119	SH		SOLE		119	0	0
3M Co Com	COM	88579Y101	17,088	125	SH		DFND		125	0	0
3M Co Com	COM	88579Y101	24,606	180	SH		SOLE		180	0	0
Timken Co	COM	887389104	8,429	100	SH		SOLE		100	0	0
Tractor Supply	COM	892356106	20,365	70	SH		SOLE		70	0	0
Travelers Cos Inc	COM	89417E109	78,196	334	SH		DFND		334	0	0
Travelers Cos Inc	COM	89417E109	7,024	30	SH		SOLE		30	0	0
Truist Finl Corp Com	COM	89832Q109	21,385	500	SH		DFND		500	0	0
Truist Finl Corp Com	COM	89832Q109	99,996	2,338	SH		SOLE		2,338	0	0
US Bancorp	COM NEW	902973304	26,066	570	SH		SOLE		570	0	0
Ulta Salon Cosmetics & Fragrance	COM	90384S303	38,912	100	SH		SOLE		100	0	0
Unilever PLC Amer Shs ADR	SPON ADR NEW	904767704	53,592	825	SH		DFND		825	0	0
Union Pac Corp Com	COM	907818108	49,296	200	SH		DFND		200	0	0
Union Pac Corp Com	COM	907818108	191,022	775	SH		SOLE		775	0	0
United Bankshares Inc West Vcom	COM	909907107	9,349	252	SH		SOLE		252	0	0
United Parcel Services B	CL B	911312106	42,265	310	SH		DFND		310	0	0
United Parcel Services B	CL B	911312106	700,788	5,140	SH		SOLE		5,140	0	0
UnitedHealth Group Inc Com	COM	91324P102	62,561	107	SH		DFND		107	0	0
UnitedHealth Group Inc Com	COM	91324P102	364,256	623	SH		SOLE		623	0	0
Vale S A ADR	SPONSORED ADS	91912E105	5,840	500	SH		SOLE		500	0	0
Valero Energy New	COM	91913Y100	125,578	930	SH		DFND		930	0	0
Valero Energy New	COM	91913Y100	977,347	7,238	SH		SOLE		7,238	0	0
Vaneck Vec High Yld Mun ETF	HIGH YLD MUNIETF	92189H409	50,417	950	SH		DFND		950	0	0
Vaneck Vec High Yld Mun ETF	HIGH YLD MUNIETF	92189H409	1,138,192	21,447	SH		SOLE		21,447	0	0
Vanguard Specialized Portfoldiv App ETF	DIV APP ETF	921908844	15,845	80	SH		SOLE		80	0	0
Vanguard ESG Intl ETF	ESG INTL STK ETF	921910725	630,970	10,258	SH		SOLE		10,258	0	0
Vanguard Bond Index Fund Inctotal Bd Market	TOTAL BND MRKT	921937835	7,511	100	SH		DFND		100	0	0
Vanguard Bond Index Fund Inctotal Bd Market	TOTAL BND MRKT	921937835	1,480,118	19,706	SH		SOLE		19,706	0	0
Vanguard Europe Pacific ETF	VAN FTSE DEV MKT	921943858	440,435	8,340	SH		SOLE		8,340	0	0
Vanguard High Dividend Yield ETF	HIGH DIV YLD	921946406	31,281	244	SH		SOLE		244	0	0
Vanguard Intl Equity Index Fftse Europe ETF	FTSE EUROPE ETF	922042874	13,509	190	SH		SOLE		190	0	0
Vanguard Utilities Index Fund ETF	UTILITIES ETF	92204A876	15,665	90	SH		DFND		90	0	0
Vanguard Scttsdl Lng-CP Bd	LG-TERM COR BD	92206C813	2,437	30	SH		SOLE		30	0	0
Vanguard Scottsdale FDS Int-Term Corp	INT-TERM CORP	92206C870	6,281	75	SH		DFND		75	0	0
Vanguard Scottsdale FDS Int-Term Corp	INT-TERM CORP	92206C870	426,706	5,095	SH		SOLE		5,095	0	0
Vanguard Index FDS S&P 500 ETF Shs	S&P 500 ETF SHS	922908363	42,214	80	SH		DFND		80	0	0
Vanguard Index FDS S&P 500 ETF Shs	S&P 500 ETF SHS	922908363	9,336,065	17,693	SH		SOLE		17,693	0	0
Vanguard Index FDS McAp Vl Idxvip	MCAP VL IDXVIP	922908512	56,169	335	SH		DFND		335	0	0
Vanguard Index FDS McAp Vl Idxvip	MCAP VL IDXVIP	922908512	4,248,422	25,338	SH		SOLE		25,338	0	0
Vanguard Index FDS McAp GR Idxvip	MCAP GR IDXVIP	922908538	58,433	240	SH		DFND		240	0	0
Vanguard Index FDS McAp GR Idxvip	MCAP GR IDXVIP	922908538	4,440,406	18,238	SH		SOLE		18,238	0	0
Vanguard Index FDS Sml CP Grw ETF	SML CP GRW ETF	922908595	17,379	65	SH		DFND		65	0	0
Vanguard Index FDS Sml CP Grw ETF	SML CP GRW ETF	922908595	1,049,695	3,926	SH		SOLE		3,926	0	0
Vanguard Small-Cap Value ETF	SM CP VAL ETF	922908611	26,101	130	SH		DFND		130	0	0
Vanguard Small-Cap Value ETF	SM CP VAL ETF	922908611	2,346,917	11,689	SH		SOLE		11,689	0	0
Vanguard Mid-Cap ETF	MID CAP ETF	922908629	105,532	400	SH		DFND		400	0	0
Vanguard Mid-Cap ETF	MID CAP ETF	922908629	4,176,429	15,830	SH		SOLE		15,830	0	0
Vanguard Growth ETF	GROWTH ETF	922908736	111,340	290	SH		DFND		290	0	0
Vanguard Growth ETF	GROWTH ETF	922908736	8,977,819	23,384	SH		SOLE		23,384	0	0
Vanguard Value ETF	VALUE ETF	922908744	89,904	515	SH		DFND		515	0	0
Vanguard Value ETF	VALUE ETF	922908744	13,678,432	78,355	SH		SOLE		78,355	0	0
Vanguard Index FDS Small CP ETF	SMALL CP ETF	922908751	71,163	300	SH		DFND		300	0	0
Vanguard Index FDS Small CP ETF	SMALL CP ETF	922908751	3,597,052	15,164	SH		SOLE		15,164	0	0
Veralto Corp	COM SHS	92338C103	7,047	63	SH		DFND		63	0	0
Veralto Corp	COM SHS	92338C103	115,216	1,030	SH		SOLE		1,030	0	0
Verizon Communications	COM	92343V104	80,164	1,785	SH		DFND		1,785	0	0
Verizon Communications	COM	92343V104	1,198,199	26,680	SH		SOLE		26,680	0	0
VISA Inc	COM CL A	92826C839	67,088	244	SH		SOLE		244	0	0
Vontier Corp	COM	928881101	5,061	150	SH		DFND		150	0	0
Vontier Corp	COM	928881101	332,339	9,850	SH		SOLE		9,850	0	0
W P Carey Inc	COM	92936U109	25,855	415	SH		DFND		415	0	0
WEC Energy Group Inc	COM	92939U106	769	8	SH		SOLE		8	0	0
Wal Mart Stores Inc Com	COM	931142103	53,295	660	SH		DFND		660	0	0
Wal Mart Stores Inc Com	COM	931142103	637,521	7,895	SH		SOLE		7,895	0	0
Walgreen Company	COM	931427108	108	12	SH		SOLE		12	0	0
Warner Bros Discovery Inc Com Ser A	COM SER A	934423104	2,978	361	SH		DFND		361	0	0
Warner Bros Discovery Inc Com Ser A	COM SER A	934423104	2,508	304	SH		SOLE		304	0	0
Waste Management Inc	COM	94106L109	166,080	800	SH		DFND		800	0	0
Waste Management Inc	COM	94106L109	172,308	830	SH		SOLE		830	0	0
Wells Fargo & Company	COM	949746101	74,849	1,325	SH		DFND		1,325	0	0
Wells Fargo & Company	COM	949746101	50,559	895	SH		SOLE		895	0	0
Welltower Inc	COM	95040Q104	70,417	550	SH		DFND		550	0	0
Welltower Inc	COM	95040Q104	32,008	250	SH		SOLE		250	0	0
Wendy's Company	COM	95058W100	21,602	1,233	SH		SOLE		1,233	0	0
Williams Sonoma Inc	COM	969904101	8,676	56	SH		SOLE		56	0	0
Xylem Inc	COM	98419M100	27,006	200	SH		SOLE		200	0	0
YUM Brands Inc	COM	988498101	130,210	932	SH		DFND		932	0	0
YUM Brands Inc	COM	988498101	17,464	125	SH		SOLE		125	0	0
Zoetis Inc CL A	CL A	98978V103	10,746	55	SH		DFND		55	0	0
Zoetis Inc CL A	CL A	98978V103	877,256	4,490	SH		SOLE		4,490	0	0
AON PLC Shs CL A	SHS CL A	G0403H108	51,899	150	SH		SOLE		150	0	0
Coca-Cola European Partners PLC	SHS	G25839104	7,875	100	SH		SOLE		100	0	0
Eaton Corporation PLC	SHS	G29183103	237,974	718	SH		SOLE		718	0	0
New Linde PLC NPV	SHS	G54950103	3,815	8	SH		SOLE		8	0	0
Norwegian Cruise Line Hldg Lshs	SHS	G66721104	2,051	100	SH		SOLE		100	0	0
Trane Technologies PLC	SHS	G8994E103	116,230	299	SH		SOLE		299	0	0
Chubb Limited Com	COM	H1467J104	47,008	163	SH		SOLE		163	0	0
Crispr Therapeutics AG	NAMEN AKT	H17182108	4,698	100	SH		SOLE		100	0	0