Sanibel Captiva 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
hours per response:		23.8

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 CORPORATION	Equities	88579Y101	78,686	770	SH		DFND		770	0	0
3M CORPORATION	Equities	88579Y101	516,468	5,054	SH		SOLE		5,054	0	0
ABBOTT LABORATORIES	Equities	002824100	569,635	5,482	SH		DFND		5,482	0	0
ABBOTT LABORATORIES	Equities	002824100	14,610,162	140,604	SH		SOLE		139,579	0	1,025
ABBVIE INC	Equities	00287Y109	1,517,780	8,849	SH		DFND		8,849	0	0
ABBVIE INC	Equities	00287Y109	42,957,184	250,450	SH		SOLE		249,375	0	1,075
ACCENTURE PLC	Equities	G1151C101	1,076,195	3,547	SH		DFND		3,547	0	0
ACCENTURE PLC	Equities	G1151C101	70,875,362	233,596	SH		SOLE		233,596	0	0
ADC THERAPEUTICS SA	Equities	H0036K147	357,080	113,000	SH		SOLE		113,000	0	0
ADOBE SYS INC	Equities	00724F101	574,984	1,035	SH		DFND		1,035	0	0
ADOBE SYS INC	Equities	00724F101	18,908,359	34,036	SH		SOLE		34,036	0	0
ADR TOYOTA MOTOR	Equities	892331307	296,182	1,445	SH		DFND		1,445	0	0
ADR TOYOTA MOTOR	Equities	892331307	2,255	11	SH		SOLE		11	0	0
ADVANCED MICRO DEV	Equities	007903107	835,868	5,153	SH		DFND		5,153	0	0
ADVANCED MICRO DEV	Equities	007903107	21,574,903	133,006	SH		SOLE		133,006	0	0
AFLAC INCORPORATED	Equities	001055102	87,524	980	SH		DFND		980	0	0
AFLAC INCORPORATED	Equities	001055102	1,329,558	14,887	SH		SOLE		14,887	0	0
AIR PRODS & CHEMS	Equities	009158106	545,518	2,114	SH		DFND		2,114	0	0
AIR PRODS & CHEMS	Equities	009158106	443,588	1,719	SH		SOLE		1,719	0	0
AKAMAI TECHNOLOGIES INC	Equities	00971T101	18,917	210	SH		DFND		210	0	0
AKAMAI TECHNOLOGIES INC	Equities	00971T101	1,999,145	22,193	SH		SOLE		22,193	0	0
AKOUSTIS TECHNOLOGIES ORD SHS	Equities	00973N102	1,976	15,000	SH		SOLE		15,000	0	0
ALIBABA GROUP HOLDING LIMITED	Equities	01609W102	806,400	11,200	SH		SOLE		11,200	0	0
ALLSTATE CORP	Equities	020002101	166,046	1,040	SH		DFND		1,040	0	0
ALLSTATE CORP	Equities	020002101	707,613	4,432	SH		SOLE		4,432	0	0
ALPHABET INC	Equities	02079K107	3,378,596	18,420	SH		DFND		18,420	0	0
ALPHABET INC	Equities	02079K107	115,401,077	629,163	SH		SOLE		628,463	0	700
ALPHABET INC CL A	Equities	02079K305	2,382,522	13,080	SH		DFND		13,080	0	0
ALPHABET INC CL A	Equities	02079K305	35,580,635	195,337	SH		SOLE		195,337	0	0
ALTRIA GROUP	Equities	02209S103	95,200	2,090	SH		DFND		2,090	0	0
ALTRIA GROUP	Equities	02209S103	1,887,683	41,442	SH		SOLE		41,442	0	0
AMAZON.COM, INC	Equities	023135106	2,499,302	12,933	SH		DFND		12,933	0	0
AMAZON.COM, INC	Equities	023135106	57,763,005	298,903	SH		SOLE		298,903	0	0
AMERICAN ELEC PWR	Equities	025537101	49,134	560	SH		DFND		560	0	0
AMERICAN ELEC PWR	Equities	025537101	261,202	2,977	SH		SOLE		2,977	0	0
AMERICAN EXPRESS CO	Equities	025816109	373,953	1,615	SH		DFND		1,615	0	0
AMERICAN EXPRESS CO	Equities	025816109	10,024,957	43,295	SH		SOLE		43,295	0	0
AMERICAN TOWER CORP	Equities	03027X100	305,565	1,572	SH		DFND		1,572	0	0
AMERICAN TOWER CORP	Equities	03027X100	296,235	1,524	SH		SOLE		1,524	0	0
AMERICAN WTR WKS CO INC NEW	Equities	030420103	29,707	230	SH		DFND		230	0	0
AMERICAN WTR WKS CO INC NEW	Equities	030420103	632,238	4,895	SH		SOLE		4,895	0	0
AMERIPRISE FINANCIAL, INC.	Equities	03076C106	85,438	200	SH		DFND		200	0	0
AMERIPRISE FINANCIAL, INC.	Equities	03076C106	1,285,415	3,009	SH		SOLE		3,009	0	0
AMGEN INC	Equities	031162100	868,923	2,781	SH		DFND		2,781	0	0
AMGEN INC	Equities	031162100	24,420,155	78,157	SH		SOLE		78,157	0	0
AMPHENOL CORP NEW	Equities	032095101	86,234	1,280	SH		DFND		1,280	0	0
AMPHENOL CORP NEW	Equities	032095101	2,943,328	43,689	SH		SOLE		43,689	0	0
ANALOG DEVICES INC	Equities	032654105	70,761	310	SH		DFND		310	0	0
ANALOG DEVICES INC	Equities	032654105	440,542	1,930	SH		SOLE		1,930	0	0
APPLE COMPUTER INC	Equities	037833100	6,609,887	31,383	SH		DFND		31,383	0	0
APPLE COMPUTER INC	Equities	037833100	138,814,377	659,075	SH		SOLE		659,075	0	0
APPLIED MATERIALS	Equities	038222105	240,710	1,020	SH		DFND		1,020	0	0
APPLIED MATERIALS	Equities	038222105	1,830,102	7,755	SH		SOLE		7,755	0	0
ARES CAP CORP	Equities	04010L103	250,080	12,000	SH		SOLE		12,000	0	0
ASML HOLDING NV	Equities	N07059210	504,206	493	SH		DFND		493	0	0
ASML HOLDING NV	Equities	N07059210	1,514,663	1,481	SH		SOLE		1,481	0	0
ASTRAZENECA ADR	Equities	046353108	211,197	2,708	SH		DFND		2,708	0	0
ASTRAZENECA ADR	Equities	046353108	1,150,119	14,747	SH		SOLE		14,747	0	0
AT&T INC COM	Equities	00206R102	71,815	3,758	SH		DFND		3,758	0	0
AT&T INC COM	Equities	00206R102	1,515,423	79,300	SH		SOLE		79,300	0	0
AUTODESK INC	Equities	052769106	413,736	1,672	SH		DFND		1,672	0	0
AUTODESK INC	Equities	052769106	9,885,628	39,950	SH		SOLE		39,950	0	0
AUTOMATIC DATA PRO	Equities	053015103	675,254	2,829	SH		DFND		2,829	0	0
AUTOMATIC DATA PRO	Equities	053015103	2,510,780	10,519	SH		SOLE		10,519	0	0
AUTOZONE INC	Equities	053332102	506,861	171	SH		DFND		171	0	0
AUTOZONE INC	Equities	053332102	10,069,048	3,397	SH		SOLE		3,397	0	0
BANCO BILBAO VIZCAYA	Equities	05946K101	80,561	8,032	SH		DFND		8,032	0	0
BANCO BILBAO VIZCAYA	Equities	05946K101	42,577	4,245	SH		SOLE		4,245	0	0
BANCO SANTANDER ADR	Equities	05964H105	62,524	13,504	SH		DFND		13,504	0	0
BANCO SANTANDER ADR	Equities	05964H105	153,985	33,258	SH		SOLE		33,258	0	0
BANK NEW YORK MELLON CORPCOM	Equities	064058100	53,901	900	SH		DFND		900	0	0
BANK NEW YORK MELLON CORPCOM	Equities	064058100	866,788	14,473	SH		SOLE		14,473	0	0
BANK OF AMERICA CORP	Equities	060505104	544,929	13,702	SH		DFND		13,702	0	0
BANK OF AMERICA CORP	Equities	060505104	9,337,598	234,790	SH		SOLE		234,790	0	0
BAXTER INTRNL	Equities	071813109	21,743	650	SH		DFND		650	0	0
BAXTER INTRNL	Equities	071813109	519,679	15,536	SH		SOLE		15,536	0	0
BECTON, DICKINSON	Equities	075887109	49,079	210	SH		DFND		210	0	0
BECTON, DICKINSON	Equities	075887109	1,804,709	7,722	SH		SOLE		7,722	0	0
BERKSHIRE HATHAWAY	Equities	084670108	2,448,964	4	SH		SOLE		4	0	0
BERKSHIRE HATHAWAY INC DELCL B	Equities	084670702	1,152,464	2,833	SH		DFND		2,833	0	0
BERKSHIRE HATHAWAY INC DELCL B	Equities	084670702	46,902,006	115,295	SH		SOLE		114,375	0	920
BHP BILLITON LIMITED	Equities	088606108	170,471	2,986	SH		DFND		2,986	0	0
BHP BILLITON LIMITED	Equities	088606108	60,401	1,058	SH		SOLE		1,058	0	0
BLACKROCK INC	Equities	09247X101	1,168,383	1,484	SH		DFND		1,484	0	0
BLACKROCK INC	Equities	09247X101	27,562,499	35,008	SH		SOLE		35,008	0	0
BLACKSTONE GROUP ORD SHS CLASS	Equities	09260D107	2,598,067	20,986	SH		SOLE		20,986	0	0
BLACKSTONE SECURED LENDING ORD	Equities	09261X102	459,300	15,000	SH		SOLE		15,000	0	0
BOEING COMPANY	Equities	097023105	231,153	1,270	SH		DFND		1,270	0	0
BOEING COMPANY	Equities	097023105	3,129,844	17,196	SH		SOLE		17,196	0	0
BOOKING HOLDINGS INC.	Equities	09857L108	562,533	142	SH		DFND		142	0	0
BOOKING HOLDINGS INC.	Equities	09857L108	11,119,931	2,807	SH		SOLE		2,807	0	0
BP AMOCO PLC ADR	Equities	055622104	102,019	2,826	SH		DFND		2,826	0	0
BP AMOCO PLC ADR	Equities	055622104	1,452,556	40,237	SH		SOLE		40,237	0	0
BRISTOL MYERS SQUIBB	Equities	110122108	66,406	1,599	SH		DFND		1,599	0	0
BRISTOL MYERS SQUIBB	Equities	110122108	930,521	22,406	SH		SOLE		22,406	0	0
BROADCOM INC	Equities	11135F101	2,671,602	1,664	SH		DFND		1,664	0	0
BROADCOM INC	Equities	11135F101	12,813,735	7,981	SH		SOLE		7,981	0	0
BROADSTONE NET LEASE INC	Equities	11135E203	274,551	17,300	SH		SOLE		17,300	0	0
BROOKFIELD ASSET MANAGEMENT VOT	Equities	113004105	39,610	1,041	SH		DFND		1,041	0	0
BROOKFIELD ASSET MANAGEMENT VOT	Equities	113004105	3,843,202	101,004	SH		SOLE		101,004	0	0
BROOKFIELD INFRAST PARTNERS LP	Equities	G16252101	61,740	2,250	SH		DFND		2,250	0	0
BROOKFIELD INFRAST PARTNERS LP	Equities	G16252101	3,110,379	113,352	SH		SOLE		113,352	0	0
BROOKFIELD INFRASTRUCTURE CORP	Equities	11275Q107	8,381	249	SH		DFND		249	0	0
BROOKFIELD INFRASTRUCTURE CORP	Equities	11275Q107	669,329	19,885	SH		SOLE		19,885	0	0
BROOKFIELD ORD SHS CLASS A	Equities	11271J107	634,897	15,284	SH		DFND		15,284	0	0
BROOKFIELD ORD SHS CLASS A	Equities	11271J107	35,519,649	855,071	SH		SOLE		855,071	0	0
CABOT CORP	Equities	127055101	459,450	5,000	SH		SOLE		5,000	0	0
CACI INTL INC CLASS A	Equities	127190304	430,130	1,000	SH		SOLE		1,000	0	0
CANADIAN NATL RR	Equities	136375102	127,817	1,082	SH		DFND		1,082	0	0
CANADIAN NATL RR	Equities	136375102	293,199	2,482	SH		SOLE		2,482	0	0
CAPITAL ONE FINL	Equities	14040H105	107,991	780	SH		DFND		780	0	0
CAPITAL ONE FINL	Equities	14040H105	1,508,413	10,895	SH		SOLE		10,895	0	0
CARRIER GLOBAL CORPORATION COM	Equities	14448C104	85,663	1,358	SH		DFND		1,358	0	0
CARRIER GLOBAL CORPORATION COM	Equities	14448C104	1,544,072	24,478	SH		SOLE		24,478	0	0
CATERPILLAR INC	Equities	149123101	521,635	1,566	SH		DFND		1,566	0	0
CATERPILLAR INC	Equities	149123101	14,969,514	44,940	SH		SOLE		44,940	0	0
CBOE HOLDINGS INC	Equities	12503M108	3,384,874	19,904	SH		SOLE		19,904	0	0
CBRE GROUP, INC.	Equities	12504L109	246,656	2,768	SH		DFND		2,768	0	0
CBRE GROUP, INC.	Equities	12504L109	20,324,743	228,086	SH		SOLE		225,286	0	2,800
CDW CORPORATION	Equities	12514G108	1,545,615	6,905	SH		SOLE		6,905	0	0
CENTERPOINT ENERGY	Equities	15189T107	11,153	360	SH		DFND		360	0	0
CENTERPOINT ENERGY	Equities	15189T107	254,408	8,212	SH		SOLE		8,212	0	0
CHARLES RIVER LABS	Equities	159864107	122,915	595	SH		DFND		595	0	0
CHARLES RIVER LABS	Equities	159864107	5,952,809	28,816	SH		SOLE		28,816	0	0
CHECK POINT SOFTWARE TECH	Equities	M22465104	15,426,015	93,491	SH		SOLE		93,491	0	0
CHEVRON CORP	Equities	166764100	1,186,289	7,584	SH		DFND		7,584	0	0
CHEVRON CORP	Equities	166764100	22,524,011	143,997	SH		SOLE		143,997	0	0
CHIPOTLE MEXICAN GRILL INC	Equities	169656105	1,456,613	23,250	SH		SOLE		23,250	0	0
CHURCH & DWIGHT CO INC	Equities	171340102	445,824	4,300	SH		SOLE		4,300	0	0
CIGNA CORPORATION	Equities	125523100	297,182	899	SH		DFND		899	0	0
CIGNA CORPORATION	Equities	125523100	7,404,768	22,400	SH		SOLE		22,400	0	0
CINTAS CORP	Equities	172908105	84,031	120	SH		DFND		120	0	0
CINTAS CORP	Equities	172908105	227,585	325	SH		SOLE		325	0	0
CISCO SYSTEMS INC	Equities	17275R102	566,937	11,933	SH		DFND		11,933	0	0
CISCO SYSTEMS INC	Equities	17275R102	5,820,165	122,504	SH		SOLE		122,504	0	0
CITIGROUP INC COM NEW	Equities	172967424	181,115	2,854	SH		DFND		2,854	0	0
CITIGROUP INC COM NEW	Equities	172967424	532,429	8,390	SH		SOLE		8,390	0	0
CME GROUP INC	Equities	12572Q105	78,640	400	SH		DFND		400	0	0
CME GROUP INC	Equities	12572Q105	3,234,463	16,452	SH		SOLE		16,452	0	0
COCA COLA CO	Equities	191216100	333,526	5,240	SH		DFND		5,240	0	0
COCA COLA CO	Equities	191216100	3,969,532	62,365	SH		SOLE		62,365	0	0
COLGATE-PALMOLIVE CO	Equities	194162103	310,528	3,200	SH		DFND		3,200	0	0
COLGATE-PALMOLIVE CO	Equities	194162103	5,109,350	52,652	SH		SOLE		52,652	0	0
COMCAST CORP NEW A	Equities	20030N101	641,832	16,390	SH		DFND		16,390	0	0
COMCAST CORP NEW A	Equities	20030N101	15,165,650	387,274	SH		SOLE		387,274	0	0
CONOCOPHILLIPS COM	Equities	20825C104	450,543	3,939	SH		DFND		3,939	0	0
CONOCOPHILLIPS COM	Equities	20825C104	3,775,341	33,007	SH		SOLE		33,007	0	0
CONSTELLATION BRANDS	Equities	21036P108	46,310	180	SH		DFND		180	0	0
CONSTELLATION BRANDS	Equities	21036P108	2,066,216	8,031	SH		SOLE		8,031	0	0
CORNING INC	Equities	219350105	326,146	8,395	SH		DFND		8,395	0	0
CORNING INC	Equities	219350105	13,398,005	344,865	SH		SOLE		344,865	0	0
CORTEVA INC	Equities	22052L104	57,015	1,057	SH		DFND		1,057	0	0
CORTEVA INC	Equities	22052L104	652,296	12,093	SH		SOLE		12,093	0	0
COSTCO WHSL CORP NEW	Equities	22160K105	611,143	719	SH		DFND		719	0	0
COSTCO WHSL CORP NEW	Equities	22160K105	40,359,225	47,482	SH		SOLE		47,482	0	0
CROWN CASTLE INTERNATIONAL CORP	Equities	22822V101	274,635	2,811	SH		DFND		2,811	0	0
CROWN CASTLE INTERNATIONAL CORP	Equities	22822V101	52,074	533	SH		SOLE		533	0	0
CROWN HOLDINGS INC	Equities	228368106	334,755	4,500	SH		SOLE		4,500	0	0
CSX CORP	Equities	126408103	150,525	4,500	SH		DFND		4,500	0	0
CSX CORP	Equities	126408103	1,314,986	39,312	SH		SOLE		39,312	0	0
CUMMINS INC	Equities	231021106	105,787	382	SH		DFND		382	0	0
CUMMINS INC	Equities	231021106	18,383,167	66,382	SH		SOLE		66,382	0	0
CVS HEALTH CORPORATION	Equities	126650100	323,117	5,471	SH		DFND		5,471	0	0
CVS HEALTH CORPORATION	Equities	126650100	4,939,719	83,639	SH		SOLE		83,639	0	0
D B A CHUBB LIMITED	Equities	H1467J104	574,950	2,254	SH		DFND		2,254	0	0
D B A CHUBB LIMITED	Equities	H1467J104	17,424,005	68,308	SH		SOLE		68,308	0	0
D R HORTON INC	Equities	23331A109	35,233	250	SH		DFND		250	0	0
D R HORTON INC	Equities	23331A109	723,676	5,135	SH		SOLE		5,135	0	0
DANAHER CORP	Equities	235851102	378,023	1,513	SH		DFND		1,513	0	0
DANAHER CORP	Equities	235851102	4,035,327	16,152	SH		SOLE		16,152	0	0
DEERE & CO	Equities	244199105	145,716	390	SH		DFND		390	0	0
DEERE & CO	Equities	244199105	3,139,987	8,404	SH		SOLE		8,404	0	0
DEXCOM INC	Equities	252131107	103,743	915	SH		DFND		915	0	0
DEXCOM INC	Equities	252131107	1,209,198	10,665	SH		SOLE		10,665	0	0
DEXCOM INC CV 0.250 11/15/25	Fixed Income	252131AK3	20,000	20,000	PRN		SOLE		20,000	0	0
DFA INTERNATIONAL CORE EQUITY M	Mutual Funds	25434V203	2,423,446	81,680	SH		SOLE		81,680	0	0
DFA T.A.WORLD EX U.S. CORE EQUI	Mutual Funds	25434V880	342,738	13,483	SH		SOLE		13,483	0	0
DIAGEO PLC SPON ADR	Equities	25243Q205	107,798	855	SH		DFND		855	0	0
DIAGEO PLC SPON ADR	Equities	25243Q205	5,786,316	45,894	SH		SOLE		45,894	0	0
DIAMONDBACK ENERGY INC	Equities	25278X109	41,239	206	SH		DFND		206	0	0
DIAMONDBACK ENERGY INC	Equities	25278X109	202,993	1,014	SH		SOLE		1,014	0	0
DIGITAL REALTY TRUST	Equities	253868103	9,123	60	SH		DFND		60	0	0
DIGITAL REALTY TRUST	Equities	253868103	1,838,589	12,092	SH		SOLE		12,092	0	0
DIMENSIONAL U S CORE EQUITY 2 E	Mutual Funds	25434V708	1,244,260	38,593	SH		SOLE		38,593	0	0
DIMENSIONAL U S SMALL CAP ETF	Mutual Funds	25434V500	931,841	15,510	SH		SOLE		15,510	0	0
DISCOVER FINANCIAL SERVICES	Equities	254709108	82,410	630	SH		DFND		630	0	0
DISCOVER FINANCIAL SERVICES	Equities	254709108	2,223,901	17,001	SH		SOLE		17,001	0	0
DISNEY WALT CO	Equities	254687106	867,497	8,737	SH		DFND		8,737	0	0
DISNEY WALT CO	Equities	254687106	25,542,452	257,251	SH		SOLE		257,251	0	0
DOLLAR TREE INC	Equities	256746108	11,424	107	SH		DFND		107	0	0
DOLLAR TREE INC	Equities	256746108	1,169,559	10,954	SH		SOLE		10,954	0	0
DOMINION RES INC VA	Equities	25746U109	66,493	1,357	SH		DFND		1,357	0	0
DOMINION RES INC VA	Equities	25746U109	209,034	4,266	SH		SOLE		4,266	0	0
DOW INC	Equities	260557103	147,479	2,780	SH		DFND		2,780	0	0
DOW INC	Equities	260557103	11,028,830	207,895	SH		SOLE		207,895	0	0
DUKE ENERGY CORP NEW	Equities	26441C204	273,027	2,724	SH		DFND		2,724	0	0
DUKE ENERGY CORP NEW	Equities	26441C204	7,937,915	79,197	SH		SOLE		79,197	0	0
DUPONT DE NEMOURS INC	Equities	26614N102	71,717	891	SH		DFND		891	0	0
DUPONT DE NEMOURS INC	Equities	26614N102	1,784,866	22,175	SH		SOLE		22,175	0	0
EATON CORP NEW	Equities	G29183103	555,297	1,771	SH		DFND		1,771	0	0
EATON CORP NEW	Equities	G29183103	923,405	2,945	SH		SOLE		2,945	0	0
ECOLAB INC	Equities	278865100	38,080	160	SH		DFND		160	0	0
ECOLAB INC	Equities	278865100	514,556	2,162	SH		SOLE		2,162	0	0
EDISON INTL	Equities	281020107	28,006	390	SH		DFND		390	0	0
EDISON INTL	Equities	281020107	290,902	4,051	SH		SOLE		4,051	0	0
EDWARDS LIFESCIENCES	Equities	28176E108	70,663	765	SH		DFND		765	0	0
EDWARDS LIFESCIENCES	Equities	28176E108	672,546	7,281	SH		SOLE		7,281	0	0
ELEVANCE HEALTH ORD SHS	Equities	036752103	287,186	530	SH		DFND		530	0	0
ELEVANCE HEALTH ORD SHS	Equities	036752103	520,727	961	SH		SOLE		961	0	0
EMERSON ELECTRIC CO	Equities	291011104	263,062	2,388	SH		DFND		2,388	0	0
EMERSON ELECTRIC CO	Equities	291011104	15,195,140	137,937	SH		SOLE		137,937	0	0
ENBRIDGE INC	Equities	29250N105	584,067	16,411	SH		DFND		16,411	0	0
ENBRIDGE INC	Equities	29250N105	23,867,045	670,611	SH		SOLE		670,611	0	0
ENERGY SELECT SECTOR SPDR	Mutual Funds	81369Y506	1,064,632	11,680	SH		SOLE		11,680	0	0
ENERGY TRANSFER EQ LP	Equities	29273V100	387,253	23,875	SH		SOLE		23,875	0	0
ENTERPRISE PRODUCTS PARTNERS LP	Equities	293792107	501,238	17,296	SH		SOLE		17,296	0	0
EOG RES INC	Equities	26875P101	95,158	756	SH		DFND		756	0	0
EOG RES INC	Equities	26875P101	295,039	2,344	SH		SOLE		2,344	0	0
EPAM SYSTEMS INC	Equities	29414B104	13,168	70	SH		DFND		70	0	0
EPAM SYSTEMS INC	Equities	29414B104	190,932	1,015	SH		SOLE		1,015	0	0
EQUIFAX, INC.	Equities	294429105	37,581	155	SH		DFND		155	0	0
EQUIFAX, INC.	Equities	294429105	1,714,435	7,071	SH		SOLE		7,071	0	0
ESSENTIAL UTILITIES INC	Equities	29670G102	37,330	1,000	SH		DFND		1,000	0	0
ESSENTIAL UTILITIES INC	Equities	29670G102	192,511	5,157	SH		SOLE		5,157	0	0
EXTRA SPACE STORAGE INC	Equities	30225T102	21,913	141	SH		DFND		141	0	0
EXTRA SPACE STORAGE INC	Equities	30225T102	195,817	1,260	SH		SOLE		1,260	0	0
EXXON MOBIL CORP	Equities	30231G102	894,137	7,767	SH		DFND		7,767	0	0
EXXON MOBIL CORP	Equities	30231G102	18,355,769	159,449	SH		SOLE		159,449	0	0
FACTSET RESH SYS	Equities	303075105	161,267	395	SH		DFND		395	0	0
FACTSET RESH SYS	Equities	303075105	2,399,811	5,878	SH		SOLE		5,878	0	0
FASTENAL CO	Equities	311900104	143,904	2,290	SH		DFND		2,290	0	0
FASTENAL CO	Equities	311900104	11,920,497	189,696	SH		SOLE		189,696	0	0
FEDEX CORPORATION	Equities	31428X106	193,397	645	SH		DFND		645	0	0
FEDEX CORPORATION	Equities	31428X106	6,790,476	22,647	SH		SOLE		22,647	0	0
FIDELITY NATL INFORMATION SVCS	Equities	31620M106	52,752	700	SH		DFND		700	0	0
FIDELITY NATL INFORMATION SVCS	Equities	31620M106	620,514	8,234	SH		SOLE		8,234	0	0
FINANCIAL SEL SPDR	Mutual Funds	81369Y605	310,915	7,563	SH		SOLE		7,563	0	0
FIRSTENERGY CORP	Equities	337932107	278,414	7,275	SH		SOLE		7,275	0	0
FISERV INC	Equities	337738108	89,424	600	SH		DFND		600	0	0
FISERV INC	Equities	337738108	816,888	5,481	SH		SOLE		5,481	0	0
FORD MOTOR CO	Equities	345370860	63,327	5,050	SH		DFND		5,050	0	0
FORD MOTOR CO	Equities	345370860	627,552	50,044	SH		SOLE		50,044	0	0
FORTINET INC	Equities	34959E109	290,501	4,820	SH		DFND		4,820	0	0
FORTINET INC	Equities	34959E109	9,178,217	152,285	SH		SOLE		152,285	0	0
FORTUNE BRANDS HOME & SECURITY,	Equities	34964C106	395,679	6,093	SH		SOLE		6,093	0	0
FREEPORT MCMORAN COPPER & GOLD	Equities	35671D857	91,854	1,890	SH		DFND		1,890	0	0
FREEPORT MCMORAN COPPER & GOLD	Equities	35671D857	266,231	5,478	SH		SOLE		5,478	0	0
GATX CORP	Equities	361448103	423,552	3,200	SH		SOLE		3,200	0	0
GE HEALTHCARE TECHNOLOGIES INC	Equities	36266G107	22,285	286	SH		DFND		286	0	0
GE HEALTHCARE TECHNOLOGIES INC	Equities	36266G107	220,358	2,828	SH		SOLE		2,828	0	0
GENERAL DYNAMICS	Equities	369550108	614,807	2,119	SH		DFND		2,119	0	0
GENERAL DYNAMICS	Equities	369550108	30,647,778	105,632	SH		SOLE		105,632	0	0
GENERAL ELEC CO	Equities	369604301	136,555	859	SH		DFND		859	0	0
GENERAL ELEC CO	Equities	369604301	2,402,196	15,111	SH		SOLE		15,111	0	0
GENERAL MILLS	Equities	370334104	31,630	500	SH		DFND		500	0	0
GENERAL MILLS	Equities	370334104	1,217,818	19,251	SH		SOLE		19,251	0	0
GENUINE PARTS CO	Equities	372460105	55,328	400	SH		DFND		400	0	0
GENUINE PARTS CO	Equities	372460105	1,043,348	7,543	SH		SOLE		7,543	0	0
GILEAD SCIENCES INC	Equities	375558103	131,731	1,920	SH		DFND		1,920	0	0
GILEAD SCIENCES INC	Equities	375558103	1,196,490	17,439	SH		SOLE		17,439	0	0
GLOBAL X ROBO & AI THEMATIC ETF	Mutual Funds	37954Y715	351,690	11,400	SH		SOLE		11,400	0	0
GLOBALFOUNDRIES INC ORDINARY SH	Equities	G39387108	250,272	4,950	SH		SOLE		4,950	0	0
GOLDMAN SACHS GROUP	Equities	38141G104	158,312	350	SH		DFND		350	0	0
GOLDMAN SACHS GROUP	Equities	38141G104	6,600,253	14,592	SH		SOLE		14,592	0	0
GRAINGER W W INC	Equities	384802104	72,179	80	SH		DFND		80	0	0
GRAINGER W W INC	Equities	384802104	206,613	229	SH		SOLE		229	0	0
GSK PLC SPONSORED ADR	Equities	37733W204	70,609	1,834	SH		DFND		1,834	0	0
GSK PLC SPONSORED ADR	Equities	37733W204	573,535	14,897	SH		SOLE		14,897	0	0
HARTFORD FINL SVCS	Equities	416515104	45,243	450	SH		DFND		450	0	0
HARTFORD FINL SVCS	Equities	416515104	283,020	2,815	SH		SOLE		2,815	0	0
HEICO CORP	Equities	422806109	206,392	923	SH		SOLE		923	0	0
HEXCEL CORP NEW	Equities	428291108	437,150	7,000	SH		SOLE		7,000	0	0
HOME DEPOT, INC.	Equities	437076102	1,644,779	4,778	SH		DFND		4,778	0	0
HOME DEPOT, INC.	Equities	437076102	84,222,447	244,663	SH		SOLE		244,663	0	0
HONEYWELL INTL INC	Equities	438516106	416,403	1,950	SH		DFND		1,950	0	0
HONEYWELL INTL INC	Equities	438516106	26,120,426	122,321	SH		SOLE		122,321	0	0
HORMEL FOODS CORP	Equities	440452100	9,757	320	SH		DFND		320	0	0
HORMEL FOODS CORP	Equities	440452100	367,252	12,045	SH		SOLE		12,045	0	0
HP INC	Equities	40434L105	54,281	1,550	SH		DFND		1,550	0	0
HP INC	Equities	40434L105	611,239	17,454	SH		SOLE		17,454	0	0
HUMANA INC	Equities	444859102	78,467	210	SH		DFND		210	0	0
HUMANA INC	Equities	444859102	1,120,950	3,000	SH		SOLE		3,000	0	0
IAC INTERACTIVECORP NEW	Equities	44891N208	323,265	6,900	SH		SOLE		6,900	0	0
IBM CORP.	Equities	459200101	324,281	1,875	SH		DFND		1,875	0	0
IBM CORP.	Equities	459200101	23,650,567	136,748	SH		SOLE		136,748	0	0
IDEXX LABS INC	Equities	45168D104	30,694	63	SH		DFND		63	0	0
IDEXX LABS INC	Equities	45168D104	499,380	1,025	SH		SOLE		1,025	0	0
ILLINOIS TOOL WORKS	Equities	452308109	535,056	2,258	SH		DFND		2,258	0	0
ILLINOIS TOOL WORKS	Equities	452308109	11,972,878	50,527	SH		SOLE		49,487	0	1,040
INTEL CORP	Equities	458140100	709,399	22,906	SH		DFND		22,906	0	0
INTEL CORP	Equities	458140100	6,439,282	207,920	SH		SOLE		207,920	0	0
INTERCONTINENTAL EXCHANGE INC	Equities	45866F104	118,684	867	SH		DFND		867	0	0
INTERCONTINENTAL EXCHANGE INC	Equities	45866F104	3,753,113	27,417	SH		SOLE		27,417	0	0
INTUIT	Equities	461202103	667,068	1,015	SH		DFND		1,015	0	0
INTUIT	Equities	461202103	21,175,306	32,220	SH		SOLE		32,220	0	0
INTUITIVE SURGICAL, INC.	Equities	46120E602	160,146	360	SH		DFND		360	0	0
INTUITIVE SURGICAL, INC.	Equities	46120E602	117,885	265	SH		SOLE		265	0	0
INVESCO KBW BANK ETF	Mutual Funds	46138E628	439,770	8,220	SH		SOLE		8,220	0	0
INVESCO PREFERRED ETF	Mutual Funds	46138E511	4,620	400	SH		DFND		400	0	0
INVESCO PREFERRED ETF	Mutual Funds	46138E511	2,671,862	231,330	SH		SOLE		231,330	0	0
INVESCO QQQ TRUST SERIES 1	Mutual Funds	46090E103	277,405	579	SH		DFND		579	0	0
INVESCO QQQ TRUST SERIES 1	Mutual Funds	46090E103	2,084,608	4,351	SH		SOLE		4,351	0	0
INVESCO WATER RESOURCES ETF TRU	Mutual Funds	46137V142	233,676	3,600	SH		SOLE		3,600	0	0
IQVIA HOLDINGS INC	Equities	46266C105	48,843	231	SH		DFND		231	0	0
IQVIA HOLDINGS INC	Equities	46266C105	1,784,765	8,441	SH		SOLE		8,441	0	0
ISHARES S&P MIDCAP 400	Mutual Funds	464287507	421,344	7,200	SH		SOLE		7,200	0	0
ISHARES CORE MSCI EAFE	Mutual Funds	46432F842	63,487	874	SH		DFND		874	0	0
ISHARES CORE MSCI EAFE	Mutual Funds	46432F842	1,455,052	20,031	SH		SOLE		20,031	0	0
ISHARES CORE MSCI EMERGING MARK	Mutual Funds	46434G103	864,135	16,143	SH		SOLE		16,143	0	0
ISHARES CORE S&P TOTAL US STOCK	Mutual Funds	464287150	535,817	4,511	SH		SOLE		4,511	0	0
ISHARES CORE US AGGREGATE BOND	Mutual Funds	464287226	12,283,626	126,544	SH		SOLE		126,544	0	0
ISHARES DJ SELECT DIVIDEND	Mutual Funds	464287168	120,980	1,000	SH		DFND		1,000	0	0
ISHARES DJ SELECT DIVIDEND	Mutual Funds	464287168	206,876	1,710	SH		SOLE		1,710	0	0
ISHARES GOLD TRUST ETF	Mutual Funds	464285204	760,121	17,304	SH		SOLE		17,304	0	0
ISHARES HIGH YIELD CORP BND FD	Mutual Funds	464288513	61,712	800	SH		DFND		800	0	0
ISHARES HIGH YIELD CORP BND FD	Mutual Funds	464288513	1,422,153	18,436	SH		SOLE		18,436	0	0
ISHARES MSCI EAFE	Mutual Funds	464287465	1,731,720	22,108	SH		SOLE		22,108	0	0
ISHARES RUSSELL 1000	Mutual Funds	464287622	2,677,860	9,000	SH		DFND		9,000	0	0
ISHARES RUSSELL 1000	Mutual Funds	464287622	1,893,247	6,363	SH		SOLE		6,363	0	0
ISHARES RUSSELL 1000 GROWTH	Mutual Funds	464287614	451,263	1,238	SH		SOLE		1,238	0	0
ISHARES RUSSELL 1000 VALUE	Mutual Funds	464287598	962,202	5,515	SH		SOLE		5,515	0	0
ISHARES RUSSELL 2000	Mutual Funds	464287655	35,303	174	SH		DFND		174	0	0
ISHARES RUSSELL 2000	Mutual Funds	464287655	993,755	4,898	SH		SOLE		4,898	0	0
ISHARES RUSSELL 3000	Mutual Funds	464287689	208,352	675	SH		SOLE		675	0	0
ISHARES RUSSELL MID CAP	Mutual Funds	464287499	70,864	874	SH		DFND		874	0	0
ISHARES RUSSELL MID CAP	Mutual Funds	464287499	495,399	6,110	SH		SOLE		6,110	0	0
ISHARES RUSSELL MIDCAP GROWTH F	Mutual Funds	464287481	392,846	3,560	SH		SOLE		3,560	0	0
ISHARES RUSSELL MIDCAP VALUE FD	Mutual Funds	464287473	310,060	2,568	SH		SOLE		2,568	0	0
ISHARES S P GLOBAL ETF	Mutual Funds	464288372	287,520	6,000	SH		SOLE		6,000	0	0
ISHARES S&P 100	Mutual Funds	464287101	422,087	1,597	SH		SOLE		1,597	0	0
ISHARES S&P 500	Mutual Funds	464287200	2,417,115	4,417	SH		SOLE		4,417	0	0
ISHARES S&P 500 BARRA GROWTH	Mutual Funds	464287309	684,426	7,396	SH		SOLE		7,396	0	0
ISHARES S&P 500 BARRA VALUE	Mutual Funds	464287408	3,298,567	18,123	SH		SOLE		18,123	0	0
ISHARES S&P SMALL CAP 600	Mutual Funds	464287804	2,117,201	19,850	SH		SOLE		19,850	0	0
ISHARES TR SP US PFD	Mutual Funds	464288687	188,511	5,975	SH		DFND		5,975	0	0
ISHARES TR SP US PFD	Mutual Funds	464288687	13,143,446	416,591	SH		SOLE		416,591	0	0
J.P. MORGAN CHASE &	Equities	46625H100	1,398,021	6,912	SH		DFND		6,912	0	0
J.P. MORGAN CHASE &	Equities	46625H100	48,192,692	238,271	SH		SOLE		238,271	0	0
JACOBS SOLUTIONS INC	Equities	46982L108	44,707	320	SH		DFND		320	0	0
JACOBS SOLUTIONS INC	Equities	46982L108	360,172	2,578	SH		SOLE		2,578	0	0
JETBLUE AIRWAYS CORP	Equities	477143101	91,350	15,000	SH		SOLE		15,000	0	0
JOHNSON & JOHNSON	Equities	478160104	997,542	6,825	SH		DFND		6,825	0	0
JOHNSON & JOHNSON	Equities	478160104	59,914,346	409,923	SH		SOLE		409,463	0	460
JONES LANG LASALLE INC	Equities	48020Q107	184,752	900	SH		DFND		900	0	0
JONES LANG LASALLE INC	Equities	48020Q107	85,191	415	SH		SOLE		415	0	0
KEMPER CORP	Equities	488401100	747,558	12,600	SH		SOLE		12,600	0	0
KENVUE INC COM	Equities	49177J102	30,924	1,701	SH		DFND		1,701	0	0
KENVUE INC COM	Equities	49177J102	695,785	38,272	SH		SOLE		36,546	0	1,726
KEURIG DR PEPPER INC.	Equities	49271V100	352,403	10,551	SH		DFND		10,551	0	0
KEURIG DR PEPPER INC.	Equities	49271V100	11,592,940	347,094	SH		SOLE		347,094	0	0
KEYSIGHT TECHNOLOGIES INC	Equities	49338L103	28,034	205	SH		DFND		205	0	0
KEYSIGHT TECHNOLOGIES INC	Equities	49338L103	198,288	1,450	SH		SOLE		1,450	0	0
KIMBERLY-CLARK	Equities	494368103	207,991	1,505	SH		DFND		1,505	0	0
KIMBERLY-CLARK	Equities	494368103	2,522,012	18,249	SH		SOLE		18,249	0	0
KRAFT HEINZ CO	Equities	500754106	15,498	481	SH		DFND		481	0	0
KRAFT HEINZ CO	Equities	500754106	4,622,152	143,456	SH		SOLE		143,456	0	0
L3HARRIS TECHNOLOGIES ORD SHS	Equities	502431109	61,984	276	SH		DFND		276	0	0
L3HARRIS TECHNOLOGIES ORD SHS	Equities	502431109	377,968	1,683	SH		SOLE		1,683	0	0
LAM RESEARCH CORPORATION	Equities	512807108	236,397	222	SH		DFND		222	0	0
LAM RESEARCH CORPORATION	Equities	512807108	201,257	189	SH		SOLE		189	0	0
LILLY ELI & CO.	Equities	532457108	2,028,957	2,241	SH		DFND		2,241	0	0
LILLY ELI & CO.	Equities	532457108	16,319,475	18,025	SH		SOLE		18,025	0	0
LINDE PLC SHS	Equities	G54950103	309,361	705	SH		DFND		705	0	0
LINDE PLC SHS	Equities	G54950103	349,293	796	SH		SOLE		796	0	0
LIVE NATION	Equities	538034109	1,031	11	SH		DFND		11	0	0
LIVE NATION	Equities	538034109	1,106,694	11,806	SH		SOLE		11,806	0	0
LLOYDS TSB GROUP PLC	Equities	539439109	62,118	22,754	SH		DFND		22,754	0	0
LLOYDS TSB GROUP PLC	Equities	539439109	30,516	11,178	SH		SOLE		11,178	0	0
LOCKHEED MARTIN CORP	Equities	539830109	502,600	1,076	SH		DFND		1,076	0	0
LOCKHEED MARTIN CORP	Equities	539830109	5,731,317	12,270	SH		SOLE		12,270	0	0
LOWES COMPANIES	Equities	548661107	484,130	2,196	SH		DFND		2,196	0	0
LOWES COMPANIES	Equities	548661107	8,967,211	40,675	SH		SOLE		40,675	0	0
LUMEN TECHNOLOGIES INC LA	Equities	550241103	16,500	15,000	SH		SOLE		15,000	0	0
LYONDELLBASELL INDUSTRIES	Equities	N53745100	1,200,055	12,545	SH		SOLE		12,545	0	0
M&T BANK CORP	Equities	55261F104	171,794	1,135	SH		DFND		1,135	0	0
M&T BANK CORP	Equities	55261F104	5,779,379	38,183	SH		SOLE		38,183	0	0
MANULIFE FINL CORP	Equities	56501R106	65,299	2,453	SH		DFND		2,453	0	0
MANULIFE FINL CORP	Equities	56501R106	185,302	6,961	SH		SOLE		6,961	0	0
MARATHON OIL CORP	Equities	565849106	29,530	1,030	SH		DFND		1,030	0	0
MARATHON OIL CORP	Equities	565849106	1,988,465	69,357	SH		SOLE		69,357	0	0
MARATHON PETROLEUM CORPORATION	Equities	56585A102	228,820	1,319	SH		DFND		1,319	0	0
MARATHON PETROLEUM CORPORATION	Equities	56585A102	11,431,638	65,896	SH		SOLE		65,896	0	0
MARKEL CORP	Equities	570535104	4,407,121	2,797	SH		SOLE		2,797	0	0
MARRIOTT INTL INC	Equities	571903202	121,852	504	SH		DFND		504	0	0
MARRIOTT INTL INC	Equities	571903202	351,292	1,453	SH		SOLE		1,453	0	0
MARSH & MCLENNAN CO	Equities	571748102	645,225	3,062	SH		DFND		3,062	0	0
MARSH & MCLENNAN CO	Equities	571748102	3,582	17	SH		SOLE		17	0	0
MASCO CORPORATION	Equities	574599106	26,668	400	SH		DFND		400	0	0
MASCO CORPORATION	Equities	574599106	417,154	6,257	SH		SOLE		6,257	0	0
MASTERCARD INC	Equities	57636Q104	337,487	765	SH		DFND		765	0	0
MASTERCARD INC	Equities	57636Q104	40,597,308	92,024	SH		SOLE		92,024	0	0
MATCH GROUP INC NEW	Equities	57667L107	452,419	14,892	SH		SOLE		14,892	0	0
MCCORMICK & CO INC CL V	Equities	579780107	301,392	4,368	SH		SOLE		4,368	0	0
MCCORMICK & CO.	Equities	579780206	18,444	260	SH		DFND		260	0	0
MCCORMICK & CO.	Equities	579780206	4,049,894	57,089	SH		SOLE		57,089	0	0
MCDONALDS CORP	Equities	580135101	998,718	3,919	SH		DFND		3,919	0	0
MCDONALDS CORP	Equities	580135101	6,499,949	25,506	SH		SOLE		25,506	0	0
MCKESSON CORP	Equities	58155Q103	341,663	585	SH		DFND		585	0	0
MCKESSON CORP	Equities	58155Q103	21,313,372	36,493	SH		SOLE		36,493	0	0
MEDTRONIC PLC	Equities	G5960L103	236,838	3,009	SH		DFND		3,009	0	0
MEDTRONIC PLC	Equities	G5960L103	8,715,794	110,733	SH		SOLE		110,733	0	0
MERCADOLIBRE INC	Equities	58733R102	384,556	234	SH		SOLE		234	0	0
MERCK & CO INC NEWCOM	Equities	58933Y105	2,431,556	19,641	SH		DFND		19,641	0	0
MERCK & CO INC NEWCOM	Equities	58933Y105	68,796,279	555,705	SH		SOLE		555,705	0	0
META PLATFORMS INC. CL A	Equities	30303M102	1,370,974	2,719	SH		DFND		2,719	0	0
META PLATFORMS INC. CL A	Equities	30303M102	11,823,455	23,449	SH		SOLE		23,449	0	0
METLIFE INC.	Equities	59156R108	84,930	1,210	SH		DFND		1,210	0	0
METLIFE INC.	Equities	59156R108	159,472	2,272	SH		SOLE		2,272	0	0
MICROCHIP TECH INC	Equities	595017104	71,370	780	SH		DFND		780	0	0
MICROCHIP TECH INC	Equities	595017104	344,955	3,770	SH		SOLE		3,770	0	0
MICRON TECHNOLOGY	Equities	595112103	148,629	1,130	SH		DFND		1,130	0	0
MICRON TECHNOLOGY	Equities	595112103	418,265	3,180	SH		SOLE		3,180	0	0
MICROSOFT CORPORATION	Equities	594918104	6,499,547	14,542	SH		DFND		14,542	0	0
MICROSOFT CORPORATION	Equities	594918104	167,432,833	374,612	SH		SOLE		372,357	0	2,255
MITSUBISHI UFJ FINL - ADR	Equities	606822104	120,604	11,167	SH		DFND		11,167	0	0
MITSUBISHI UFJ FINL - ADR	Equities	606822104	5,551	514	SH		SOLE		514	0	0
MIZUHO FINANCIAL GROUP ADR	Equities	60687Y109	44,855	10,604	SH		DFND		10,604	0	0
MONDELEZ INTERNATIONAL INC	Equities	609207105	824,479	12,599	SH		DFND		12,599	0	0
MONDELEZ INTERNATIONAL INC	Equities	609207105	9,796,499	149,702	SH		SOLE		149,702	0	0
MONOLITHIC POWER SYSTEMS INC	Equities	609839105	313,060	381	SH		SOLE		381	0	0
MORGAN STANLEY	Equities	617446448	151,811	1,562	SH		DFND		1,562	0	0
MORGAN STANLEY	Equities	617446448	391,676	4,030	SH		SOLE		4,030	0	0
NETFLIX INC	Equities	64110L106	340,140	504	SH		DFND		504	0	0
NETFLIX INC	Equities	64110L106	881,393	1,306	SH		SOLE		1,306	0	0
NEXTERA ENERGY INCCOM	Equities	65339F101	1,080,915	15,265	SH		DFND		15,265	0	0
NEXTERA ENERGY INCCOM	Equities	65339F101	17,700,942	249,978	SH		SOLE		249,978	0	0
NIKE, INC.	Equities	654106103	400,139	5,309	SH		DFND		5,309	0	0
NIKE, INC.	Equities	654106103	10,804,516	143,354	SH		SOLE		143,354	0	0
NORFOLK SOUTHERN	Equities	655844108	282,747	1,317	SH		DFND		1,317	0	0
NORFOLK SOUTHERN	Equities	655844108	1,630,571	7,595	SH		SOLE		7,595	0	0
NORTHERN TRUST CORP	Equities	665859104	16,124	192	SH		DFND		192	0	0
NORTHERN TRUST CORP	Equities	665859104	235,648	2,806	SH		SOLE		2,806	0	0
NORTHROP GRUMMAN	Equities	666807102	309,525	710	SH		DFND		710	0	0
NORTHROP GRUMMAN	Equities	666807102	3,539,478	8,119	SH		SOLE		8,119	0	0
NOVARTIS AG	Equities	66987V109	279,458	2,625	SH		DFND		2,625	0	0
NOVARTIS AG	Equities	66987V109	1,024,145	9,620	SH		SOLE		9,620	0	0
NOVO-NORDISK A/S ADR	Equities	670100205	630,911	4,420	SH		DFND		4,420	0	0
NOVO-NORDISK A/S ADR	Equities	670100205	574,671	4,026	SH		SOLE		4,026	0	0
NUVEEN MUN VALUE FD	Mutual Funds	670928100	172,600	20,000	SH		SOLE		20,000	0	0
NVIDIA CORP	Equities	67066G104	3,212,040	26,000	SH		DFND		26,000	0	0
NVIDIA CORP	Equities	67066G104	26,029,507	210,697	SH		SOLE		210,697	0	0
NY CMTY BANCORP	Equities	649445103	32,200	10,000	SH		SOLE		10,000	0	0
O REILLY AUTOMOTIVE INC NEW COM	Equities	67103H107	514,301	487	SH		DFND		487	0	0
O REILLY AUTOMOTIVE INC NEW COM	Equities	67103H107	12,068,654	11,428	SH		SOLE		11,428	0	0
OMNICOM GROUP INC	Equities	681919106	29,601	330	SH		DFND		330	0	0
OMNICOM GROUP INC	Equities	681919106	2,512,587	28,011	SH		SOLE		28,011	0	0
ONEOK INC	Equities	682680103	146,627	1,798	SH		DFND		1,798	0	0
ONEOK INC	Equities	682680103	437,679	5,368	SH		SOLE		5,368	0	0
ORACLE CORP	Equities	68389X105	1,205,848	8,540	SH		DFND		8,540	0	0
ORACLE CORP	Equities	68389X105	36,578,142	259,052	SH		SOLE		259,052	0	0
OTIS WORLDWIDE CORP	Equities	68902V107	65,361	679	SH		DFND		679	0	0
OTIS WORLDWIDE CORP	Equities	68902V107	1,001,682	10,406	SH		SOLE		10,406	0	0
PALO ALTO NETWORKS INC	Equities	697435105	3,713,177	10,953	SH		SOLE		10,953	0	0
PARKER HANNIFIN CORP	Equities	701094104	209,911	415	SH		DFND		415	0	0
PARKER HANNIFIN CORP	Equities	701094104	6,356,008	12,566	SH		SOLE		12,566	0	0
PAYCHEX INC	Equities	704326107	653,147	5,509	SH		DFND		5,509	0	0
PAYCHEX INC	Equities	704326107	21,148,259	178,376	SH		SOLE		176,881	0	1,495
PAYPAL HOLDINGS, INC.	Equities	70450Y103	111,418	1,920	SH		DFND		1,920	0	0
PAYPAL HOLDINGS, INC.	Equities	70450Y103	7,191,484	123,927	SH		SOLE		123,927	0	0
PEPSICO, INC.	Equities	713448108	1,401,905	8,500	SH		DFND		8,500	0	0
PEPSICO, INC.	Equities	713448108	31,498,496	190,981	SH		SOLE		190,281	0	700
PFIZER INC	Equities	717081103	344,014	12,295	SH		DFND		12,295	0	0
PFIZER INC	Equities	717081103	1,984,062	70,910	SH		SOLE		70,910	0	0
PHILIP MORRIS INTL INC	Equities	718172109	267,613	2,641	SH		DFND		2,641	0	0
PHILIP MORRIS INTL INC	Equities	718172109	2,277,392	22,475	SH		SOLE		22,475	0	0
PHILLIPS 66	Equities	718546104	411,228	2,913	SH		DFND		2,913	0	0
PHILLIPS 66	Equities	718546104	529,811	3,753	SH		SOLE		3,753	0	0
PINDUODUO INC ADR	Equities	722304102	210,061	1,580	SH		SOLE		1,580	0	0
PNC FINANCIAL SERVICES GROUP IN	Equities	693475105	201,036	1,293	SH		DFND		1,293	0	0
PNC FINANCIAL SERVICES GROUP IN	Equities	693475105	2,505,405	16,114	SH		SOLE		16,114	0	0
PPG INDUSTRIES	Equities	693506107	42,803	340	SH		DFND		340	0	0
PPG INDUSTRIES	Equities	693506107	249,640	1,983	SH		SOLE		1,983	0	0
PROCTER & GAMBLE CO	Equities	742718109	1,670,475	10,129	SH		DFND		10,129	0	0
PROCTER & GAMBLE CO	Equities	742718109	29,601,821	179,492	SH		SOLE		179,492	0	0
PROGRESSIVE CORP OH	Equities	743315103	151,628	730	SH		DFND		730	0	0
PROGRESSIVE CORP OH	Equities	743315103	3,081,378	14,835	SH		SOLE		14,835	0	0
PROLOGIS	Equities	74340W103	374,891	3,338	SH		DFND		3,338	0	0
PROLOGIS	Equities	74340W103	223,385	1,989	SH		SOLE		1,989	0	0
PRUDENTIAL FINANCIAL	Equities	744320102	101,955	870	SH		DFND		870	0	0
PRUDENTIAL FINANCIAL	Equities	744320102	264,381	2,256	SH		SOLE		2,256	0	0
PTC THERAPEUTICS INC	Equities	69366J200	204,886	6,700	SH		SOLE		6,700	0	0
PUBLIC STORAGE INC	Equities	74460D109	56,092	195	SH		DFND		195	0	0
PUBLIC STORAGE INC	Equities	74460D109	238,462	829	SH		SOLE		829	0	0
PUBLIC SVC ENTERPRISE GROUP	Equities	744573106	141,873	1,925	SH		DFND		1,925	0	0
PUBLIC SVC ENTERPRISE GROUP	Equities	744573106	12,823,874	174,001	SH		SOLE		174,001	0	0
QUALCOMM INC	Equities	747525103	920,809	4,623	SH		DFND		4,623	0	0
QUALCOMM INC	Equities	747525103	4,275,399	21,465	SH		SOLE		21,465	0	0
QUANTA SERVICES	Equities	74762E102	740,672	2,915	SH		SOLE		2,915	0	0
RAYMOND JAMES FINL	Equities	754730109	1,209,524	9,786	SH		SOLE		9,786	0	0
REALTY INCOME CORP	Equities	756109104	371,377	7,031	SH		DFND		7,031	0	0
REALTY INCOME CORP	Equities	756109104	2,695,141	51,025	SH		SOLE		51,025	0	0
REGENERON PHARMACEUTICALS INC	Equities	75886F107	15,765	15	SH		DFND		15	0	0
REGENERON PHARMACEUTICALS INC	Equities	75886F107	5,268,813	5,013	SH		SOLE		5,013	0	0
ROSS STORES, INC	Equities	778296103	350,948	2,415	SH		SOLE		2,415	0	0
ROYAL BANK OF CANADA	Equities	780087102	160,102	1,505	SH		DFND		1,505	0	0
ROYAL BANK OF CANADA	Equities	780087102	78,296	736	SH		SOLE		736	0	0
RPM INTERNATIONAL	Equities	749685103	75,376	700	SH		DFND		700	0	0
RPM INTERNATIONAL	Equities	749685103	129,216	1,200	SH		SOLE		1,200	0	0
RTX CORPORATION	Equities	75513E101	332,090	3,308	SH		DFND		3,308	0	0
RTX CORPORATION	Equities	75513E101	11,990,682	119,441	SH		SOLE		119,441	0	0
S P GLOBAL INC	Equities	78409V104	210,066	471	SH		DFND		471	0	0
S P GLOBAL INC	Equities	78409V104	2,209,038	4,953	SH		SOLE		4,953	0	0
SALESFORCE.COM INC	Equities	79466L302	980,579	3,814	SH		DFND		3,814	0	0
SALESFORCE.COM INC	Equities	79466L302	31,415,306	122,191	SH		SOLE		122,191	0	0
SANOFI ADR	Equities	80105N105	127,365	2,625	SH		DFND		2,625	0	0
SANOFI ADR	Equities	80105N105	85,250	1,757	SH		SOLE		1,757	0	0
SAP AKTIENGESELL	Equities	803054204	224,907	1,115	SH		DFND		1,115	0	0
SAP AKTIENGESELL	Equities	803054204	161,973	803	SH		SOLE		803	0	0
SCHLUMBERGER LTD	Equities	806857108	373,194	7,910	SH		DFND		7,910	0	0
SCHLUMBERGER LTD	Equities	806857108	9,340,083	197,967	SH		SOLE		197,967	0	0
SCHWAB US DIVIDEND EQUITY	Mutual Funds	808524797	441,910	5,683	SH		SOLE		5,683	0	0
SCHWAB US LARGE CAP GROWTH	Mutual Funds	808524300	950,619	9,427	SH		SOLE		9,427	0	0
SELECT SECTOR SPDR-HEALTH CARE	Equities	81369Y209	241,799	1,659	SH		SOLE		1,659	0	0
SEMPRA ENERGY	Equities	816851109	390,492	5,134	SH		DFND		5,134	0	0
SEMPRA ENERGY	Equities	816851109	49,819	655	SH		SOLE		655	0	0
SERVICENOW INC	Equities	81762P102	318,601	405	SH		DFND		405	0	0
SERVICENOW INC	Equities	81762P102	9,156,052	11,639	SH		SOLE		11,639	0	0
SHELL PLC SPON ADR	Equities	780259305	265,262	3,675	SH		DFND		3,675	0	0
SHELL PLC SPON ADR	Equities	780259305	1,317,646	18,255	SH		SOLE		18,255	0	0
SIRIUS XM HOLDINGS INC	Equities	82968B103	113,200	40,000	SH		SOLE		40,000	0	0
SNOWFLAKE INC CL A	Equities	833445109	33,773	250	SH		DFND		250	0	0
SNOWFLAKE INC CL A	Equities	833445109	2,321,251	17,183	SH		SOLE		17,183	0	0
SOUTHERN CO.	Equities	842587107	459,370	5,922	SH		DFND		5,922	0	0
SOUTHERN CO.	Equities	842587107	17,327,587	223,380	SH		SOLE		223,380	0	0
SOUTHWEST CV 1.250 05/01/25	Fixed Income	844741BG2	10,010	10,000	PRN		SOLE		10,000	0	0
SPDR DJ INDUSTRIAL AVERAGE ETF	Mutual Funds	78467X109	64,145	164	SH		DFND		164	0	0
SPDR DJ INDUSTRIAL AVERAGE ETF	Mutual Funds	78467X109	748,232	1,913	SH		SOLE		1,913	0	0
SPDR GOLD TRGOLD SHS	Mutual Funds	78463V107	984,961	4,581	SH		SOLE		4,581	0	0
SPDR PORT S&P 500 GROWTH	Mutual Funds	78464A409	26,042	325	SH		DFND		325	0	0
SPDR PORT S&P 500 GROWTH	Mutual Funds	78464A409	16,915,924	211,106	SH		SOLE		211,106	0	0
SPDR PORTFOLIO S&P 500 VALUE ET	Mutual Funds	78464A508	221,572	4,546	SH		SOLE		4,546	0	0
SPDR S&P 500 ETF	Mutual Funds	78462F103	12,972,028	23,836	SH		SOLE		23,836	0	0
SPDR S&P DIVIDEND	Mutual Funds	78464A763	1,039,188	8,171	SH		SOLE		8,171	0	0
SPDR S&P MIDCAP 400 ETF TR	Mutual Funds	78467Y107	588,588	1,100	SH		SOLE		1,100	0	0
SPLASH BEVERAGE GROUP INC	Equities	84862C203	13,800	60,000	SH		SOLE		60,000	0	0
STANLEY BLACK & DECKER INC	Equities	854502101	186,863	2,339	SH		DFND		2,339	0	0
STANLEY BLACK & DECKER INC	Equities	854502101	4,468,567	55,934	SH		SOLE		55,934	0	0
STARBUCKS CORP	Equities	855244109	1,122,908	14,424	SH		DFND		14,424	0	0
STARBUCKS CORP	Equities	855244109	23,722,296	304,718	SH		SOLE		304,718	0	0
STREETTRACKS DJ WILSHIRE REIT E	Mutual Funds	78464A607	472,948	5,080	SH		SOLE		5,080	0	0
STRYKER CORP	Equities	863667101	108,880	320	SH		DFND		320	0	0
STRYKER CORP	Equities	863667101	17,600,452	51,728	SH		SOLE		51,728	0	0
SYSCO CORP	Equities	871829107	101,802	1,426	SH		DFND		1,426	0	0
SYSCO CORP	Equities	871829107	1,515,752	21,232	SH		SOLE		21,232	0	0
T MOBILE US INC	Equities	872590104	68,710	390	SH		DFND		390	0	0
T MOBILE US INC	Equities	872590104	5,233,251	29,704	SH		SOLE		29,704	0	0
TAIWAN SEMICONDUCTOR ADR	Equities	874039100	715,054	4,114	SH		DFND		4,114	0	0
TAIWAN SEMICONDUCTOR ADR	Equities	874039100	3,333,676	19,180	SH		SOLE		19,180	0	0
TARGET CORP.	Equities	87612E106	385,348	2,603	SH		DFND		2,603	0	0
TARGET CORP.	Equities	87612E106	8,255,747	55,767	SH		SOLE		55,767	0	0
TELEFONICA ADR	Equities	879382208	58,414	13,875	SH		SOLE		13,875	0	0
TESLA MOTORS INC	Equities	88160R101	84,099	425	SH		DFND		425	0	0
TESLA MOTORS INC	Equities	88160R101	4,580,328	23,147	SH		SOLE		23,147	0	0
TEXAS INSTRUMENTS	Equities	882508104	789,597	4,059	SH		DFND		4,059	0	0
TEXAS INSTRUMENTS	Equities	882508104	1,572,775	8,085	SH		SOLE		8,085	0	0
THE TRAVELERS COMPANIES	Equities	89417E109	105,737	520	SH		DFND		520	0	0
THE TRAVELERS COMPANIES	Equities	89417E109	276,136	1,358	SH		SOLE		1,358	0	0
THERMO FISHER SCIENTIFIC, INC	Equities	883556102	188,020	340	SH		DFND		340	0	0
THERMO FISHER SCIENTIFIC, INC	Equities	883556102	788,578	1,426	SH		SOLE		1,426	0	0
TJX COS INC	Equities	872540109	468,696	4,257	SH		DFND		4,257	0	0
TJX COS INC	Equities	872540109	16,558,159	150,392	SH		SOLE		150,392	0	0
TORONTO DOMINION	Equities	891160509	125,089	2,276	SH		DFND		2,276	0	0
TORONTO DOMINION	Equities	891160509	96,125	1,749	SH		SOLE		1,749	0	0
TOTAL FINA ELF S.A.	Equities	89151E109	119,357	1,790	SH		DFND		1,790	0	0
TOTAL FINA ELF S.A.	Equities	89151E109	181,436	2,721	SH		SOLE		2,721	0	0
TRACTOR SUPPLY COMPANY	Equities	892356106	4,150,170	15,371	SH		SOLE		15,371	0	0
TYSON FOODS INC CL A	Equities	902494103	14,856	260	SH		DFND		260	0	0
TYSON FOODS INC CL A	Equities	902494103	228,560	4,000	SH		SOLE		4,000	0	0
UBER TECHNOLOGIES INC	Equities	90353T100	2,474,754	34,050	SH		SOLE		34,050	0	0
ULTA BEAUTY INC	Equities	90384S303	202,582	525	SH		DFND		525	0	0
ULTA BEAUTY INC	Equities	90384S303	2,860,840	7,414	SH		SOLE		7,414	0	0
UMB FINANCIAL CORPORATION	Equities	902788108	381,563	4,574	SH		SOLE		4,574	0	0
UNILEVER PLC AMER SH	Equities	904767704	148,473	2,700	SH		DFND		2,700	0	0
UNILEVER PLC AMER SH	Equities	904767704	2,240,788	40,749	SH		SOLE		40,749	0	0
UNION PACIFIC CORP	Equities	907818108	235,310	1,040	SH		DFND		1,040	0	0
UNION PACIFIC CORP	Equities	907818108	1,009,572	4,462	SH		SOLE		4,462	0	0
UNITED PARCEL SVC	Equities	911312106	177,905	1,300	SH		DFND		1,300	0	0
UNITED PARCEL SVC	Equities	911312106	2,241,603	16,380	SH		SOLE		16,380	0	0
UNITED RENTALS	Equities	911363109	1,985,461	3,070	SH		SOLE		3,070	0	0
UNITEDHEALTH GRP INC	Equities	91324P102	1,273,150	2,500	SH		DFND		2,500	0	0
UNITEDHEALTH GRP INC	Equities	91324P102	32,757,640	64,324	SH		SOLE		64,324	0	0
US BANCORP COM	Equities	902973304	71,857	1,810	SH		DFND		1,810	0	0
US BANCORP COM	Equities	902973304	663,268	16,707	SH		SOLE		16,707	0	0
VALERO ENERGY	Equities	91913Y100	101,894	650	SH		DFND		650	0	0
VALERO ENERGY	Equities	91913Y100	752,762	4,802	SH		SOLE		4,802	0	0
VANGUARD DIVIDEND APPRECIATION	Mutual Funds	921908844	449,986	2,465	SH		DFND		2,465	0	0
VANGUARD DIVIDEND APPRECIATION	Mutual Funds	921908844	31,390,020	171,953	SH		SOLE		171,953	0	0
VANGUARD ESG US STOCK ETF	Mutual Funds	921910733	472,472	4,890	SH		SOLE		4,890	0	0
VANGUARD FTSE ALL WORLD ETF	Mutual Funds	922042775	397,579	6,780	SH		DFND		6,780	0	0
VANGUARD FTSE ALL WORLD ETF	Mutual Funds	922042775	47,322	807	SH		SOLE		807	0	0
VANGUARD GROWTH	Mutual Funds	922908736	237,496	635	SH		DFND		635	0	0
VANGUARD GROWTH	Mutual Funds	922908736	56,009,494	149,754	SH		SOLE		149,754	0	0
VANGUARD HIGH DIVDEND YIELD	Mutual Funds	921946406	1,551,288	13,080	SH		DFND		13,080	0	0
VANGUARD HIGH DIVDEND YIELD	Mutual Funds	921946406	92,425,573	779,305	SH		SOLE		779,305	0	0
VANGUARD INTERMEDIATE TERM CORP	Mutual Funds	92206C870	4,579,429	57,293	SH		SOLE		57,293	0	0
VANGUARD INTERNATIONAL HIGH ETF	Mutual Funds	921946794	205,590	3,000	SH		SOLE		3,000	0	0
VANGUARD MID-CAP ETF	Mutual Funds	922908629	656,091	2,710	SH		SOLE		2,710	0	0
VANGUARD MSCI EAFE ETF	Mutual Funds	921943858	32,123	650	SH		DFND		650	0	0
VANGUARD MSCI EAFE ETF	Mutual Funds	921943858	2,807,254	56,804	SH		SOLE		56,804	0	0
VANGUARD S P 500 INDEX FUND ETF	Mutual Funds	922908363	7,342,409	14,681	SH		SOLE		14,681	0	0
VANGUARD S&P 500 GROWTH	Mutual Funds	921932505	250,088	750	SH		SOLE		750	0	0
VANGUARD SF REIT ETF	Mutual Funds	922908553	23,872	285	SH		DFND		285	0	0
VANGUARD SF REIT ETF	Mutual Funds	922908553	2,943,075	35,137	SH		SOLE		35,137	0	0
VANGUARD SHORT TERM CORPORATE B	Mutual Funds	92206C409	2,598,217	33,623	SH		SOLE		33,623	0	0
VANGUARD SMALL-CAP ETF	Mutual Funds	922908751	29,435	135	SH		DFND		135	0	0
VANGUARD SMALL-CAP ETF	Mutual Funds	922908751	8,193,943	37,580	SH		SOLE		37,580	0	0
VANGUARD TAX-EXEMPT BOND INDEX	Mutual Funds	922907746	9,521	190	SH		DFND		190	0	0
VANGUARD TAX-EXEMPT BOND INDEX	Mutual Funds	922907746	2,095,600	41,820	SH		SOLE		41,820	0	0
VANGUARD TOTAL STOCK MKT ETF	Mutual Funds	922908769	5,368,658	20,069	SH		SOLE		20,069	0	0
VANGUARD VALUE ETF	Mutual Funds	922908744	1,253,283	7,813	SH		SOLE		7,813	0	0
VENTAS INC	Equities	92276F100	23,323	455	SH		DFND		455	0	0
VENTAS INC	Equities	92276F100	852,146	16,624	SH		SOLE		16,624	0	0
VERALTO ORD SHS	Equities	92338C103	40,288	422	SH		DFND		422	0	0
VERALTO ORD SHS	Equities	92338C103	382,262	4,004	SH		SOLE		4,004	0	0
VERIZON COMM INC	Equities	92343V104	380,109	9,217	SH		DFND		9,217	0	0
VERIZON COMM INC	Equities	92343V104	12,004,345	291,085	SH		SOLE		291,085	0	0
VISA INC	Equities	92826C839	1,453,034	5,536	SH		DFND		5,536	0	0
VISA INC	Equities	92826C839	74,824,160	285,078	SH		SOLE		285,078	0	0
WAL-MART STORES INC	Equities	931142103	253,303	3,741	SH		DFND		3,741	0	0
WAL-MART STORES INC	Equities	931142103	9,411,148	138,992	SH		SOLE		138,992	0	0
WALGREEN BOOTS ALLIANCE INC	Equities	931427108	10,644	880	SH		DFND		880	0	0
WALGREEN BOOTS ALLIANCE INC	Equities	931427108	298,843	24,708	SH		SOLE		24,708	0	0
WASTE MANAGEMENT INC	Equities	94106L109	231,474	1,085	SH		DFND		1,085	0	0
WASTE MANAGEMENT INC	Equities	94106L109	609,939	2,859	SH		SOLE		2,859	0	0
WEC ENERGY GROUP INC	Equities	92939U106	212,548	2,709	SH		DFND		2,709	0	0
WEC ENERGY GROUP INC	Equities	92939U106	18,987	242	SH		SOLE		242	0	0
WELLS FARGO & CO NEW	Equities	949746101	83,146	1,400	SH		DFND		1,400	0	0
WELLS FARGO & CO NEW	Equities	949746101	719,985	12,123	SH		SOLE		12,123	0	0
WELLTOWER INC	Equities	95040Q104	54,836	526	SH		DFND		526	0	0
WELLTOWER INC	Equities	95040Q104	1,006,325	9,653	SH		SOLE		9,653	0	0
WILLIAMS CO.	Equities	969457100	207,273	4,877	SH		DFND		4,877	0	0
WILLIAMS CO.	Equities	969457100	1,170,408	27,539	SH		SOLE		27,539	0	0
WILLIS TOWERS WATSON PUBLIC LTD	Equities	G96629103	41,942	160	SH		DFND		160	0	0
WILLIS TOWERS WATSON PUBLIC LTD	Equities	G96629103	304,082	1,160	SH		SOLE		1,160	0	0
WISDOMTREE US TTL DIV FD ETF	Mutual Funds	97717W109	485,192	6,850	SH		SOLE		6,850	0	0
WORKDAY INC	Equities	98138H101	259,777	1,162	SH		SOLE		1,162	0	0
XCEL ENERGY INC	Equities	98389B100	25,637	480	SH		DFND		480	0	0
XCEL ENERGY INC	Equities	98389B100	635,793	11,904	SH		SOLE		11,904	0	0
YUM BRANDS INC	Equities	988498101	64,905	490	SH		DFND		490	0	0
YUM BRANDS INC	Equities	988498101	362,411	2,736	SH		SOLE		2,736	0	0