Grove 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
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 Co	COM	88579Y101	100,090	1,000	SH		DFND		1,000	0	0
3M Co	COM	88579Y101	62,456	624	SH		SOLE		624	0	0
5TH THIRD BANCORP	COM	316773100	9,776	373	SH		SOLE		373	0	0
ACADIA Pharmaceuticals Inc	COM	004225108	4,790	200	SH		SOLE		200	0	0
ADVANCED MICRO DEV	COM	007903107	610,785	5,362	SH		SOLE		5,362	0	0
AES CORP	COM	00130H105	168,162	8,112	SH		SOLE		8,112	0	0
AGILENT TECHS INC	COM	00846U101	343,795	2,859	SH		SOLE		2,859	0	0
AGNC INVESTMENT CORP	COM	00123Q104	5,268	520	SH		SOLE		520	0	0
ALBEMARLE CORP	COM	012653101	6,470	29	SH		SOLE		29	0	0
ALCON AG	ORD SHS	H01301128	1,642	20	SH		SOLE		20	0	0
ALPHABET INC	CAP STK CL A	02079K305	2,934,805	24,518	SH		SOLE		24,518	0	0
ALTRIA GROUP INC	COM	02209S103	634,200	14,000	SH		DFND		14,000	0	0
ALTRIA GROUP INC	COM	02209S103	335,537	7,407	SH		SOLE		7,407	0	0
AMBEV SA	SPONSORED ADR	02319V103	73,636	23,156	SH		SOLE		10,938	0	12,218
AMER EXPRESS CO	COM	025816109	648,198	3,721	SH		SOLE		3,721	0	0
AMER INTL GRP	COM NEW	026874784	236,950	4,118	SH		SOLE		4,118	0	0
AMEREN CORP	COM	023608102	3,430	42	SH		SOLE		42	0	0
AMETEK Inc	COM	031100100	4,695	29	SH		SOLE		29	0	0
ANALOG DEVICES INC	COM	032654105	275,656	1,415	SH		SOLE		1,415	0	0
ANSYS, INC.	COM	03662Q105	10,569	32	SH		SOLE		32	0	0
APA Corp	COM	03743Q108	68,340	2,000	SH		SOLE		2,000	0	0
APPLIED MATERIALS	COM	038222105	778,203	5,384	SH		SOLE		5,384	0	0
ARISTA NETWORKS INC	COM	040413106	8,589	53	SH		SOLE		53	0	0
ASE Technology Holding Co Ltd	SPONSORED ADS	00215W100	137,719	17,679	SH		SOLE		8,442	0	9,237
ASML HOLDING NV	N Y REGISTRY SHS	N07059210	72,475	100	SH		SOLE		100	0	0
AT&T INC	COM	00206R102	111,650	7,000	SH		DFND		7,000	0	0
AT&T INC	COM	00206R102	1,030,115	64,584	SH		SOLE		22,271	0	42,313
AUTOMATIC DATA PROCESSING	COM	053015103	928,173	4,223	SH		SOLE		4,223	0	0
AUTOZONE INC	COM	053332102	42,387	17	SH		SOLE		17	0	0
AVERY DENNISON CORP	COM	053611109	49,478	288	SH		SOLE		288	0	0
AbbVie Inc	COM	00287Y109	943,110	7,000	SH		DFND		7,000	0	0
AbbVie Inc	COM	00287Y109	1,177,675	8,741	SH		SOLE		5,936	0	2,805
Abbott Laboratories	COM	002824100	572,355	5,250	SH		DFND		5,250	0	0
Abbott Laboratories	COM	002824100	2,639,919	24,215	SH		SOLE		12,953	0	11,262
Aberdeen Standard Investments	PHYSICAL PALLADM	003262102	1,593	14	SH		SOLE		14	0	0
Accenture PLC	SHS CLASS A	G1151C101	2,565,226	8,313	SH		SOLE		4,187	0	4,126
Activision Blizzard Inc	COM	00507V109	255,766	3,034	SH		SOLE		3,034	0	0
Adobe Inc	COM	00724F101	2,997,020	6,129	SH		SOLE		2,229	0	3,900
Advance Auto Parts Inc	COM	00751Y106	352	5	SH		SOLE		5	0	0
Aflac Inc	COM	001055102	24,988	358	SH		SOLE		358	0	0
Air Products and Chemicals Inc	COM	009158106	315,106	1,052	SH		SOLE		1,052	0	0
Airbnb Inc	COM CL A	009066101	1,520,875	11,867	SH		SOLE		1,547	0	10,320
Alaska Air Group Inc	COM	011659109	1,595	30	SH		SOLE		30	0	0
Alexandria Real Estate Equitie	COM	015271109	4,540	40	SH		SOLE		40	0	0
Align Technology Inc	COM	016255101	566,531	1,602	SH		SOLE		408	0	1,195
Allstate Corp/The	COM	020002101	236,726	2,171	SH		SOLE		2,171	0	0
Ally Financial Inc	COM	02005N100	8,832	327	SH		SOLE		327	0	0
Alphabet Inc	CAP STK CL C	02079K107	84,679	700	SH		DFND		700	0	0
Alphabet Inc	CAP STK CL C	02079K107	4,317,782	35,693	SH		SOLE		16,901	0	18,792
Amazon.com Inc	COM	023135106	9,180,473	70,424	SH		SOLE		29,270	0	41,154
Amcor PLC	ORD	G0250X107	72,355	7,250	SH		DFND		7,250	0	0
Amcor PLC	ORD	G0250X107	400,168	40,097	SH		SOLE		7,540	0	32,557
American Century ETF Trust	AVANTIS EMGMKT	025072604	932,366	17,327	SH		SOLE		17,327	0	0
American Century ETF Trust	INTL EQT ETF	025072703	782,419	13,631	SH		SOLE		13,631	0	0
American Electric Power Co Inc	COM	025537101	84,200	1,000	SH		DFND		1,000	0	0
American Electric Power Co Inc	COM	025537101	674,863	8,015	SH		SOLE		2,009	0	6,006
American Tower Corp	COM	03027X100	435,007	2,243	SH		SOLE		2,243	0	0
American Water Works Co Inc	COM	030420103	5,139	36	SH		SOLE		36	0	0
Americas Mining Corp/United St	COM	84265V105	71,740	1,000	SH		SOLE		1,000	0	0
Ameriprise Financial Inc	COM	03076C106	544,078	1,638	SH		SOLE		1,638	0	0
Amgen Inc	COM	031162100	1,238,872	5,580	SH		SOLE		2,990	0	2,590
Amphenol Corp	CL A	032095101	91,151	1,073	SH		SOLE		1,073	0	0
Anheuser-Busch InBev SA/NV	SPONSORED ADR	03524A108	56,720	1,000	SH		SOLE		1,000	0	0
Annaly Capital Management Inc	COM NEW	035710839	2,741	137	SH		SOLE		137	0	0
Aon PLC	SHS CL A	G0403H108	85,610	248	SH		SOLE		248	0	0
Apollo Global Management Inc	COM	03769M106	7,067	92	SH		SOLE		92	0	0
Apple Hospitality REIT Inc	COM NEW	03784Y200	204,333	13,523	SH		SOLE		13,523	0	0
Apple Inc	COM	037833100	13,189,960	68,000	SH		DFND		68,000	0	0
Apple Inc	COM	037833100	20,343,574	104,880	SH		SOLE		104,880	0	0
Archer-Daniels-Midland Co	COM	039483102	74,653	988	SH		SOLE		988	0	0
Ares Capital Corp	COM	04010L103	13,529	720	SH		SOLE		720	0	0
Arthur J Gallagher & Co	COM	363576109	225,938	1,029	SH		SOLE		1,029	0	0
AstraZeneca PLC	SPONSORED ADR	046353108	533,197	7,450	SH		DFND		7,450	0	0
AstraZeneca PLC	SPONSORED ADR	046353108	266,097	3,718	SH		SOLE		3,718	0	0
Atlassian Corp	CL A	049468101	122,837	732	SH		SOLE		732	0	0
Autodesk Inc	COM	052769106	1,176,098	5,748	SH		SOLE		956	0	4,792
AvalonBay Communities Inc	COM	053484101	1,325	7	SH		SOLE		7	0	0
Avantor Inc	COM	05352A100	3,759	183	SH		SOLE		183	0	0
Axcelis Technologies Inc	COM NEW	054540208	54,999	300	SH		SOLE		300	0	0
BAKER HUGHES INC	CL A	05722G100	4,742	150	SH		SOLE		150	0	0
BARRICK GOLD CORP	COM	067901108	41,411	2,446	SH		SOLE		2,446	0	0
BAXTER INTL INC	COM	071813109	121,919	2,676	SH		SOLE		2,676	0	0
BC Partners Holdings Ltd	COM CL A	23284C102	14	500	SH		SOLE		500	0	0
BCE Inc	COM NEW	05534B760	200,596	4,400	SH		DFND		4,400	0	0
BCE Inc	COM NEW	05534B760	931,814	20,439	SH		SOLE		5,442	0	14,997
BECTON DICKINSON	COM	075887109	1,848	7	SH		SOLE		7	0	0
BEST BUY CO INC	COM	086516101	56,382	688	SH		SOLE		688	0	0
BHP BILLITON LTD	SPONSORED ADS	088606108	109,673	1,838	SH		SOLE		1,140	0	698
BJ's Wholesale Club Holdings I	COM	05550J101	87,269	1,385	SH		SOLE		1,385	0	0
BK OF AMERICA CORP	COM	060505104	2,180,210	75,992	SH		SOLE		75,992	0	0
BK OF MONTREAL	COM	063671101	46,058	510	SH		SOLE		510	0	0
BK OF NY MELLON CP	COM	064058100	65,266	1,466	SH		SOLE		1,466	0	0
BLACKROCK FUND ADVISORS	HDG MSCI EAFE	46434V803	1,472,500	47,500	SH		SOLE		47,500	0	0
BOEING CO	COM	097023105	122,895	582	SH		SOLE		582	0	0
BP PLC	SPONSORED ADR	055622104	244,560	6,930	SH		SOLE		6,930	0	0
BRISTOL-MYRS SQUIB	COM	110122108	127,900	2,000	SH		DFND		2,000	0	0
BRISTOL-MYRS SQUIB	COM	110122108	272,107	4,255	SH		SOLE		4,255	0	0
BRITISH AMERICAN TOBACCO PLC	SPONSORED ADR	110448107	91,300	2,750	SH		DFND		2,750	0	0
BRITISH AMERICAN TOBACCO PLC	SPONSORED ADR	110448107	620,276	18,683	SH		SOLE		5,334	0	13,349
BROWN-FORMAN CORP	CL B	115637209	2,271	34	SH		SOLE		34	0	0
BUNGE LIMITED	COM	G16962105	47,175	500	SH		SOLE		500	0	0
Baidu Inc	SPON ADR REP A	056752108	95,016	694	SH		SOLE		331	0	363
Banco Bradesco SA	SP ADR PFD NEW	059460303	52,319	15,121	SH		SOLE		7,239	0	7,882
Bancolombia SA	SPON ADR PREF	05968L102	64,032	2,400	SH		SOLE		1,145	0	1,255
Barclays PLC	ADR	06738E204	68,751	8,747	SH		SOLE		4,187	0	4,560
Berkshire Hathaway Inc	CL B NEW	084670702	1,116,434	3,274	SH		SOLE		3,274	0	0
Biogen Inc	COM	09062X103	30,764	108	SH		SOLE		108	0	0
Black Stone Minerals LP	COM UNIT	09225M101	31,900	2,000	SH		SOLE		2,000	0	0
BlackRock Capital Investment C	COM	092533108	223,040	68,000	SH		SOLE		68,000	0	0
BlackRock Fund Advisors	MSCI SWEDEN ETF	464286756	3,542	100	SH		SOLE		100	0	0
BlackRock Fund Advisors	CORE S&P TTL STK	464287150	5,974,208	61,061	SH		SOLE		61,061	0	0
BlackRock Fund Advisors	RUS MDCP VAL ETF	464287473	214,078	1,949	SH		SOLE		1,949	0	0
BlackRock Fund Advisors	RUS MD CP GR ETF	464287481	115,956	1,200	SH		SOLE		1,200	0	0
BlackRock Fund Advisors	RUS MID CAP ETF	464287499	1,869,568	25,600	SH		SOLE		25,600	0	0
BlackRock Fund Advisors	CORE S&P MCP ETF	464287507	54,126	207	SH		DFND		207	0	0
BlackRock Fund Advisors	CORE S&P MCP ETF	464287507	33,592,336	128,470	SH		SOLE		113,830	0	14,640
BlackRock Fund Advisors	S&P MC 400GR ETF	464287606	47,625	635	SH		SOLE		635	0	0
BlackRock Fund Advisors	RUSSELL 3000 ETF	464287689	131,057	515	SH		SOLE		515	0	0
BlackRock Fund Advisors	S&P MC 400VL ETF	464287705	137,662	1,285	SH		SOLE		1,285	0	0
BlackRock Fund Advisors	CORE S&P SCP ETF	464287804	296,459	2,975	SH		DFND		2,975	0	0
BlackRock Fund Advisors	CORE S&P SCP ETF	464287804	29,153,205	292,556	SH		SOLE		254,755	0	37,801
BlackRock Fund Advisors	SHRT NAT MUN ETF	464288158	10,137,241	97,436	SH		SOLE		94,367	0	3,069
BlackRock Fund Advisors	EAFE SML CP ETF	464288273	59,275	1,005	SH		SOLE		1,005	0	0
BlackRock Fund Advisors	INTL SEL DIV ETF	464288448	65,825	2,500	SH		SOLE		2,500	0	0
BlackRock Fund Advisors	ISHS 1-5YR INVS	464288646	238,006	4,744	SH		SOLE		4,744	0	0
BlackRock Fund Advisors	PFD AND INCM SEC	464288687	361,015	11,672	SH		SOLE		11,672	0	0
BlackRock Fund Advisors	MSCI USA ESG SLC	464288802	217,994	2,328	SH		SOLE		2,328	0	0
BlackRock Fund Advisors	GSCI CMDTY STGY	46431W853	153,672	5,915	SH		SOLE		5,915	0	0
BlackRock Fund Advisors	CORE MSCI EMKT	46434G103	24,349	494	SH		DFND		494	0	0
BlackRock Fund Advisors	CORE MSCI EMKT	46434G103	10,135,848	205,637	SH		SOLE		117,876	0	87,761
BlackRock Fund Advisors	MSCI JPN ETF NEW	46434G822	1,548	25	SH		SOLE		25	0	0
BlackRock Fund Advisors	MSCI ITALY ETF	46434G830	3,183	100	SH		SOLE		100	0	0
BlackRock Fund Advisors	IBONDS DEC23 ETF	46434VAX8	47,267	1,869	SH		SOLE		1,869	0	0
BlackRock Fund Advisors	IBONDS DEC25 ETF	46434VBD1	18,407	755	SH		SOLE		755	0	0
BlackRock Fund Advisors	IBONDS DEC2026	46435GAA0	19,950	850	SH		SOLE		850	0	0
BlackRock Inc	COM	09247X101	279,221	404	SH		SOLE		404	0	0
Blackstone Inc	COM	09260D107	92,970	1,000	SH		DFND		1,000	0	0
Blackstone Inc	COM	09260D107	43,696	470	SH		SOLE		470	0	0
Block Inc	CL A	852234103	12,182	183	SH		SOLE		183	0	0
Booking Holdings Inc	COM	09857L108	8,101	3	SH		SOLE		3	0	0
BorgWarner Inc	COM	099724106	51,160	1,046	SH		SOLE		1,046	0	0
Boston Scientific Corp	COM	101137107	188,666	3,488	SH		SOLE		3,488	0	0
Broadcom Inc	COM	11135F101	1,177,103	1,357	SH		SOLE		1,357	0	0
Burlington Stores Inc	COM	122017106	17,313	110	SH		SOLE		110	0	0
CACI International Inc	CL A	127190304	19,428	57	SH		SOLE		57	0	0
CARNIVAL CORP	COMMON STOCK	143658300	77,354	4,108	SH		SOLE		1,966	0	2,142
CARRIER GLOBAL CORP	COM	14448C104	37,283	750	SH		DFND		750	0	0
CARRIER GLOBAL CORP	COM	14448C104	150,273	3,023	SH		SOLE		3,023	0	0
CBRE Group Inc	CL A	12504L109	58,434	724	SH		SOLE		724	0	0
CDN NATL RAILWAYS	COM	136375102	81,117	670	SH		SOLE		321	0	349
CDW Corp/DE	COM	12514G108	1,285	7	SH		SOLE		7	0	0
CF Industries Holdings Inc	COM	125269100	12,496	180	SH		SOLE		180	0	0
CHARLES SCHWAB INVESTMENT MANAGEMENT INC	US DIVIDEND EQ	808524797	4,793	66	SH		SOLE		66	0	0
CHUBB LIMITED COM	COM	H1467J104	57,768	300	SH		DFND		300	0	0
CHUBB LIMITED COM	COM	H1467J104	118,424	615	SH		SOLE		615	0	0
CIBC	COM	136069101	196,328	4,600	SH		DFND		4,600	0	0
CIBC	COM	136069101	366,664	8,591	SH		SOLE		1,710	0	6,881
CIENA CORP	COM NEW	171779309	850	20	SH		SOLE		20	0	0
CINTAS CORP	COM	172908105	6,462	13	SH		SOLE		13	0	0
CISCO SYSTEMS	COM	17275R102	1,146,817	22,165	SH		SOLE		17,255	0	4,910
CME Group Inc	COM	12572Q105	221,051	1,193	SH		SOLE		1,193	0	0
CMS Energy Corp	COM	125896100	18,271	311	SH		SOLE		311	0	0
CNX Resources Corp	COM	12653C108	4,483	253	SH		SOLE		253	0	0
COGNIZANT TECHNOLO	CL A	192446102	24,219	371	SH		SOLE		371	0	0
COLGATE-PALMOLIVE	COM	194162103	1,541	20	SH		SOLE		20	0	0
CONAGRA FOODS INC	COM	205887102	398,840	11,828	SH		SOLE		3,049	0	8,779
CONOCOPHILLIPS	COM	20825C104	1,358,431	13,111	SH		SOLE		13,111	0	0
CONSOL Energy Inc	COM	20854L108	1,695	25	SH		SOLE		25	0	0
CORNING INC	COM	219350105	52,350	1,494	SH		SOLE		1,494	0	0
CRH PLC	ADR	12626K203	72,226	1,296	SH		SOLE		1,296	0	0
CRONOS GROUP INC	COM	22717L101	3,940	2,000	SH		DFND		2,000	0	0
CSX CORP	COM	126408103	879,610	25,795	SH		SOLE		25,795	0	0
CUMMINS INC	COM	231021106	36,039	147	SH		SOLE		147	0	0
CVS Health Corp	COM	126650100	326,916	4,729	SH		SOLE		4,729	0	0
Cadence Design Systems Inc	COM	127387108	199,577	851	SH		SOLE		851	0	0
Capital One Financial Corp	COM	14040H105	95,917	877	SH		SOLE		877	0	0
CarMax Inc	COM	143130102	10,379	124	SH		SOLE		124	0	0
Cardinal Health Inc	COM	14149Y108	24,210	256	SH		SOLE		256	0	0
Caterpillar Inc	COM	149123101	400,077	1,626	SH		SOLE		1,626	0	0
Cboe Global Markets Inc	COM	12503M108	2,760	20	SH		SOLE		20	0	0
Celanese Corp	COM	150870103	395,573	3,416	SH		SOLE		3,416	0	0
Centene Corp	COM	15135B101	6,947	103	SH		SOLE		103	0	0
Charles Schwab Corp/The	COM	808513105	382,987	6,757	SH		SOLE		6,757	0	0
Charles Schwab Investment Management Inc	US LRG CAP ETF	808524201	191,569	3,658	SH		SOLE		3,658	0	0
Charles Schwab Investment Management Inc	US MID-CAP ETF	808524508	71,740	1,010	SH		SOLE		1,010	0	0
Charles Schwab Investment Management Inc	US SML CAP ETF	808524607	45,552	1,040	SH		SOLE		1,040	0	0
Charter Communications Inc	CL A	16119P108	34,533	94	SH		SOLE		94	0	0
Check Point Software Technolog	ORD	M22465104	97,230	774	SH		SOLE		370	0	404
Chevron Corp	COM	166764100	1,258,800	8,000	SH		DFND		8,000	0	0
Chevron Corp	COM	166764100	971,794	6,176	SH		SOLE		5,816	0	360
Chipotle Mexican Grill Inc	COM	169656105	21,390	10	SH		SOLE		10	0	0
Church & Dwight Co Inc	COM	171340102	1,002	10	SH		SOLE		10	0	0
Cigna Group/The	COM	125523100	460,465	1,641	SH		SOLE		1,641	0	0
Cincinnati Financial Corp	COM	172062101	25,011	257	SH		SOLE		257	0	0
Citigroup Inc	COM NEW	172967424	155,569	3,379	SH		SOLE		3,379	0	0
Citizens Financial Group Inc	COM	174610105	65,800	2,523	SH		SOLE		2,523	0	0
Clorox Co/The	COM	189054109	112,600	708	SH		SOLE		667	0	41
Coca-Cola Co/The	COM	191216100	183,671	3,050	SH		DFND		3,050	0	0
Coca-Cola Co/The	COM	191216100	1,087,633	18,061	SH		SOLE		14,704	0	3,357
Comcast Corp	CL A	20030N101	747,401	17,988	SH		SOLE		17,988	0	0
Comerica Inc	COM	200340107	12,284	290	SH		SOLE		290	0	0
Consolidated Edison Inc	COM	209115104	7,232	80	SH		SOLE		80	0	0
Constellation Brands Inc	CL A	21036P108	159,000	646	SH		SOLE		646	0	0
Constellation Energy Corp	COM	21037T109	218,713	2,389	SH		SOLE		2,389	0	0
Copart Inc	COM	217204106	7,844	86	SH		SOLE		86	0	0
Corteva Inc	COM	22052L104	13,867	242	SH		SOLE		242	0	0
Costco Wholesale Corp	COM	22160K105	1,567,224	2,911	SH		SOLE		2,911	0	0
Crowdstrike Holdings Inc	CL A	22788C105	14,246	97	SH		SOLE		97	0	0
Crown Castle Inc	COM	22822V101	193,698	1,700	SH		DFND		1,700	0	0
Crown Castle Inc	COM	22822V101	819,912	7,196	SH		SOLE		2,167	0	5,029
DEERE & CO	COM	244199105	664,106	1,639	SH		SOLE		1,639	0	0
DIAGEO	SPON ADR NEW	25243Q205	208,176	1,200	SH		DFND		1,200	0	0
DIAGEO	SPON ADR NEW	25243Q205	150,407	867	SH		SOLE		571	0	296
DISCOVER FINL SVCS	COM	254709108	3,973	34	SH		SOLE		34	0	0
DOMINION RES(VIR)	COM	25746U109	51,790	1,000	SH		DFND		1,000	0	0
DOMINION RES(VIR)	COM	25746U109	771,205	14,891	SH		SOLE		5,302	0	9,589
DR HORTON INC	COM	23331A109	17,280	142	SH		SOLE		142	0	0
DUKE ENERGY CORP	COM NEW	26441C204	98,714	1,100	SH		DFND		1,100	0	0
DUKE ENERGY CORP	COM NEW	26441C204	1,533,926	17,093	SH		SOLE		9,053	0	8,040
Danaher Corp	COM	235851102	542,400	2,260	SH		SOLE		2,260	0	0
Darden Restaurants Inc	COM	237194105	227,396	1,361	SH		SOLE		1,361	0	0
Darling Ingredients Inc	COM	237266101	12,886	202	SH		SOLE		202	0	0
Datadog Inc	CL A COM	23804L103	5,017	51	SH		SOLE		51	0	0
Dell Technologies Inc	CL C	24703L202	4,329	80	SH		SOLE		80	0	0
Delta Air Lines Inc	COM NEW	247361702	59,473	1,251	SH		SOLE		1,251	0	0
Devon Energy Corp	COM	25179M103	42,201	873	SH		SOLE		873	0	0
Dexcom Inc	COM	252131107	7,197	56	SH		SOLE		56	0	0
Diamondback Energy Inc	COM	25278X109	5,780	44	SH		SOLE		44	0	0
Digital Realty Trust Inc	COM	253868103	35,983	316	SH		SOLE		256	0	60
DocuSign Inc	COM	256163106	428,594	8,389	SH		SOLE		888	0	7,501
Dolby Laboratories Inc	COM CL A	25659T107	33,472	400	SH		SOLE		400	0	0
Dollar General Corp	COM	256677105	60,102	354	SH		SOLE		354	0	0
Dollar Tree Inc	COM	256746108	116,522	812	SH		SOLE		812	0	0
Dover Corp	COM	260003108	31,007	210	SH		SOLE		210	0	0
Dow Inc	COM	260557103	49,479	929	SH		SOLE		929	0	0
DuPont de Nemours Inc	COM	26614N102	52,437	734	SH		SOLE		734	0	0
EBAY INC	COM	278642103	219,830	4,919	SH		SOLE		4,919	0	0
ECOLAB INC	COM	278865100	8,774	47	SH		SOLE		47	0	0
EDISON INTERNATIONAL	COM	281020107	12,848	185	SH		SOLE		185	0	0
ELECTRONIC ARTS	COM	285512109	68,611	529	SH		SOLE		529	0	0
EMERSON ELECTRIC	COM	291011104	170,385	1,885	SH		SOLE		1,885	0	0
ENBRIDGE INC	COM	29250N105	1,071,109	28,832	SH		SOLE		10,115	0	18,717
ENI	SPONSORED ADR	26874R108	28,790	1,000	SH		SOLE		1,000	0	0
EOG Resources Inc	COM	26875P101	59,623	521	SH		SOLE		521	0	0
EQUINIX INC	COM	29444U700	209,312	267	SH		SOLE		267	0	0
ERICSSON(LM)TEL	ADR B SEK 10	294821608	42,276	7,757	SH		SOLE		3,713	0	4,044
ESTEE LAUDER COS	CL A	518439104	163,192	831	SH		SOLE		831	0	0
EXELON CORP	COM	30161N101	298,828	7,335	SH		SOLE		7,335	0	0
Eastman Chemical Co	COM	277432100	837	10	SH		SOLE		10	0	0
Eaton Corp PLC	SHS	G29183103	1,001,076	4,978	SH		SOLE		4,978	0	0
Edwards Lifesciences Corp	COM	28176E108	87,821	931	SH		SOLE		931	0	0
Elanco Animal Health Inc	COM	28414H103	2,575	256	SH		SOLE		256	0	0
Elevance Health Inc	COM	036752103	229,698	517	SH		SOLE		517	0	0
Eli Lilly & Co	COM	532457108	703,470	1,500	SH		DFND		1,500	0	0
Eli Lilly & Co	COM	532457108	1,700,053	3,625	SH		SOLE		3,625	0	0
Enphase Energy Inc	COM	29355A107	2,345	14	SH		SOLE		14	0	0
Entergy Corp	COM	29364G103	331,740	3,407	SH		SOLE		406	0	3,001
Enviva Inc	COM	29415B103	10,850	1,000	SH		SOLE		1,000	0	0
Equifax Inc	COM	294429105	8,706	37	SH		SOLE		37	0	0
Equity Residential	SH BEN INT	29476L107	11,677	177	SH		SOLE		177	0	0
Essex Property Trust Inc	COM	297178105	937	4	SH		SOLE		4	0	0
Everest Re Group Ltd	COM	G3223R108	154,179	451	SH		SOLE		217	0	234
Eversource Energy	COM	30040W108	5,603	79	SH		SOLE		79	0	0
Exact Sciences Corp	COM	30063P105	12,019	128	SH		SOLE		128	0	0
Exxon Mobil Corp	COM	30231G102	4,504,500	42,000	SH		DFND		42,000	0	0
Exxon Mobil Corp	COM	30231G102	2,104,889	19,626	SH		SOLE		19,626	0	0
FACEBOOK INC	CL A	30303M102	1,018,779	3,550	SH		SOLE		3,550	0	0
FEDEX CORP	COM	31428X106	92,219	372	SH		SOLE		372	0	0
FERRARI NV	COM	N3167Y103	32,521	100	SH		SOLE		100	0	0
FIRST SOLAR INC	COM	336433107	25,092	132	SH		SOLE		132	0	0
FISERV INC	COM	337738108	16,904	134	SH		SOLE		134	0	0
FMC Corp	COM NEW	302491303	63,752	611	SH		SOLE		611	0	0
FORD MOTOR CO	COM	345370860	11,211	741	SH		SOLE		741	0	0
FREEPORT-MCMOR C&G	CL B	35671D857	192,160	4,804	SH		SOLE		4,804	0	0
Fair Isaac Corp	COM	303250104	129,474	160	SH		SOLE		160	0	0
Fastenal Co	COM	311900104	45,540	772	SH		SOLE		772	0	0
Fidelity National Financial In	FNF GROUP COM	31620R303	36,000	1,000	SH		SOLE		1,000	0	0
Fidelity National Information	COM	31620M106	42,283	773	SH		SOLE		773	0	0
First Citizens BancShares Inc/	CL A	31946M103	25,669	20	SH		SOLE		20	0	0
First Trust Advisors LP	FST LOW OPPT EFT	33739Q200	64,545	1,354	SH		DFND		1,354	0	0
First Trust Advisors LP	FST LOW OPPT EFT	33739Q200	5,991,928	125,696	SH		SOLE		124,198	0	1,498
FirstEnergy Corp	COM	337932107	4,432	114	SH		SOLE		114	0	0
Fortinet Inc	COM	34959E109	34,847	461	SH		SOLE		461	0	0
Fortive Corp	COM	34959J108	3,739	50	SH		SOLE		50	0	0
Fortune Brands Innovations Inc	COM	34964C106	720	10	SH		SOLE		10	0	0
Franklin Resources Inc	COM	354613101	31,384	1,175	SH		SOLE		1,175	0	0
GARTNER INC	COM	366651107	883,132	2,521	SH		SOLE		619	0	1,902
GE HealthCare Technologies Inc	COMMON STOCK	36266G107	71,897	885	SH		SOLE		885	0	0
GEN DYNAMICS CORP	COM	369550108	74,657	347	SH		SOLE		347	0	0
GENERAL MILLS INC	COM	370334104	268,450	3,500	SH		DFND		3,500	0	0
GENERAL MILLS INC	COM	370334104	111,138	1,449	SH		SOLE		1,449	0	0
GOLDMAN SACHS GRP	COM	38141G104	162,560	504	SH		SOLE		504	0	0
GSK PLC	SPONSORED ADR	37733W204	136,858	3,840	SH		DFND		3,840	0	0
GSK PLC	SPONSORED ADR	37733W204	116,329	3,264	SH		SOLE		3,264	0	0
Garmin Ltd	SHS	H2906T109	1,043	10	SH		SOLE		10	0	0
General Electric Co	COM NEW	369604301	360,198	3,279	SH		SOLE		3,279	0	0
General Motors Co	COM	37045V100	22,442	582	SH		SOLE		582	0	0
Genesco Inc	COM	371532102	25,040	1,000	SH		SOLE		1,000	0	0
Genuine Parts Co	COM	372460105	103,230	610	SH		SOLE		610	0	0
Gilead Sciences Inc	COM	375558103	663,650	8,611	SH		SOLE		4,255	0	4,356
Global Payments Inc	COM	37940X102	2,069	21	SH		SOLE		21	0	0
Goldman Sachs Asset Management LP	UNIT	38150K103	2,798	147	SH		SOLE		147	0	0
GraniteShares ETF Trust	SHS BEN INT	38748T103	2,095	237	SH		SOLE		237	0	0
HALLIBURTON	COM	406216101	14,318	434	SH		SOLE		434	0	0
HARMONY GOLD MNG	SPONSORED ADR	413216300	1,050	250	SH		SOLE		250	0	0
HCA Healthcare Inc	COM	40412C101	220,933	728	SH		SOLE		728	0	0
HDFC BANK	SPONSORED ADS	40415F101	156,407	2,244	SH		SOLE		1,547	0	697
HERSHEY CO (THE)	COM	427866108	4,245	17	SH		SOLE		17	0	0
HONDA MOTOR CO	AMERN SHS	438128308	67,682	2,233	SH		SOLE		1,067	0	1,166
HORIZON THERAPEUTICS PLC	SHS	G46188101	15,428	150	SH		SOLE		150	0	0
HP Inc	COM	40434L105	6,664	217	SH		SOLE		217	0	0
HSBC HLDGS	SPON ADR NEW	404280406	88,392	2,231	SH		SOLE		1,062	0	1,169
HUBSPOT INC	COM	443573100	9,046	17	SH		SOLE		17	0	0
HUMANA INC	COM	444859102	12,967	29	SH		SOLE		29	0	0
Haleon PLC	SPON ADS	405552100	26,690	3,185	SH		SOLE		3,185	0	0
Hartford Financial Services Gr	COM	416515104	106,085	1,473	SH		SOLE		1,473	0	0
Henry Schein Inc	COM	806407102	4,379	54	SH		SOLE		54	0	0
Hess Corp	COM	42809H107	138,669	1,020	SH		SOLE		1,020	0	0
Hewlett Packard Enterprise Co	COM	42824C109	8,971	534	SH		SOLE		534	0	0
Hilton Worldwide Holdings Inc	COM	43300A203	1,019	7	SH		SOLE		7	0	0
Home Depot Inc/The	COM	437076102	12,426	40	SH		DFND		40	0	0
Home Depot Inc/The	COM	437076102	2,636,402	8,487	SH		SOLE		8,487	0	0
Honeywell International Inc	COM	438516106	228,250	1,100	SH		DFND		1,100	0	0
Honeywell International Inc	COM	438516106	966,328	4,657	SH		SOLE		4,657	0	0
Hubbell Inc	COM	443510607	116,046	350	SH		SOLE		350	0	0
Huntington Bancshares Inc/OH	COM	446150104	21,560	2,000	SH		DFND		2,000	0	0
Huntington Bancshares Inc/OH	COM	446150104	476,702	44,221	SH		SOLE		7,963	0	36,258
ICICI BANK	ADR	45104G104	145,612	6,309	SH		SOLE		3,025	0	3,284
ICON PLC	SHS	G4705A100	171,387	685	SH		SOLE		329	0	356
IDEXX Laboratories Inc	COM	45168D104	12,556	25	SH		SOLE		25	0	0
ILLINOIS TOOL WKS	COM	452308109	2,084,583	8,333	SH		SOLE		8,333	0	0
IMPERIAL OIL	COM NEW	453038408	2,558	50	SH		SOLE		50	0	0
INTERCONTINENTAL EXCHANGE	COM	45866F104	394,197	3,486	SH		SOLE		3,486	0	0
INTL BUSINESS MCHN	COM	459200101	672,395	5,025	SH		SOLE		5,025	0	0
INTL FLAVORS&FRAG	COM	459506101	3,900	49	SH		SOLE		49	0	0
INVESCO	SHS	G491BT108	29,451	1,752	SH		SOLE		1,752	0	0
IQVIA Holdings Inc	COM	46266C105	6,743	30	SH		SOLE		30	0	0
ISHARES	CORE S&P500 ETF	464287200	10,362,312	23,249	SH		SOLE		22,566	0	683
ISHARES	IBOXX INV CP ETF	464287242	37,849	350	SH		SOLE		350	0	0
ISHARES	GLOB HLTHCRE ETF	464287325	18,018	212	SH		SOLE		212	0	0
ISHARES	RUS 2000 VAL ETF	464287630	50,829	361	SH		SOLE		361	0	0
ISHARES	RUSSELL 2000 ETF	464287655	1,532,430	8,183	SH		SOLE		8,183	0	0
ISHARES	U.S. ENERGY ETF	464287796	478,009	11,158	SH		SOLE		11,158	0	0
ISHARES	SP SMCP600VL ETF	464287879	57,054	600	SH		SOLE		600	0	0
ISHARES	ISHARES	46428Q109	3,823	183	SH		SOLE		183	0	0
ISHARES	CORE MSCI EAFE	46432F842	11,987,730	177,596	SH		SOLE		141,816	0	35,780
ISHARES GOLD TRUST	ISHARES NEW	464285204	392,575	10,788	SH		SOLE		10,788	0	0
ISHARES TR	MSCI EMG MKT ETF	464287234	2,055,933	51,970	SH		SOLE		51,970	0	0
ISHARES TRUST	TIPS BD ETF	464287176	53,810	500	SH		SOLE		500	0	0
ISHARES TRUST	1 3 YR TREAS BD	464287457	97,296	1,200	SH		SOLE		1,200	0	0
ISHARES TRUST	RUS 1000 VAL ETF	464287598	1,951,094	12,362	SH		SOLE		11,989	0	373
ISHARES/USA	RUS 1000 GRW ETF	464287614	5,554,783	20,186	SH		SOLE		20,186	0	0
ISHARES/USA	S&P SML 600 GWT	464287887	513,622	4,469	SH		SOLE		4,469	0	0
ISHARES/USA	NATIONAL MUN ETF	464288414	6,175,718	57,863	SH		SOLE		57,357	0	506
Illumina Inc	COM	452327109	946,262	5,047	SH		SOLE		602	0	4,445
Ingersoll Rand Inc	COM	45687V106	225,100	3,444	SH		SOLE		3,444	0	0
Intel Corp	COM	458140100	276,214	8,260	SH		SOLE		8,260	0	0
International Paper Co	COM	460146103	27,293	858	SH		SOLE		858	0	0
Intuit Inc	COM	461202103	364,719	796	SH		SOLE		796	0	0
Intuitive Surgical Inc	COM NEW	46120E602	566,937	1,658	SH		SOLE		1,658	0	0
Invesco Capital Management LLC	UNIT SER 1	46090E103	194,684	527	SH		SOLE		527	0	0
Invesco Capital Management LLC	S&P500 EQL WGT	46137V357	407,769	2,725	SH		SOLE		2,725	0	0
Invesco Capital Management LLC	S&P SMCP VLU MNT	46137V480	7,477	161	SH		SOLE		161	0	0
Invesco Capital Management LLC	SR LN ETF	46138G508	97,352	4,627	SH		SOLE		4,627	0	0
Itau Unibanco Holding SA	SPON ADR REP PFD	465562106	84,099	14,254	SH		SOLE		6,811	0	7,443
JPMorgan Chase & Co	COM	46625H100	945,360	6,500	SH		DFND		6,500	0	0
JPMorgan Chase & Co	COM	46625H100	2,548,254	17,521	SH		SOLE		17,492	0	29
JPMorgan Chase Bank NA	COM	33616C100	13	24	SH		SOLE		24	0	0
JUNIPER NETWORKS	COM	48203R104	29,482	941	SH		SOLE		941	0	0
Jacobs Solutions Inc	COM	46982L108	38,164	321	SH		SOLE		321	0	0
Johnson & Johnson	COM	478160104	413,800	2,500	SH		DFND		2,500	0	0
Johnson & Johnson	COM	478160104	2,611,906	15,780	SH		SOLE		15,780	0	0
Johnson Controls International	SHS	G51502105	159,175	2,336	SH		SOLE		2,336	0	0
KELLOGG CO	COM	487836108	13,480	200	SH		SOLE		200	0	0
KIMBERLY-CLARK CP	COM	494368103	276,120	2,000	SH		DFND		2,000	0	0
KIMBERLY-CLARK CP	COM	494368103	915,476	6,631	SH		SOLE		2,731	0	3,900
KLA Corp	COM NEW	482480100	272,581	562	SH		SOLE		562	0	0
KRAFT FOODS INC	CL A	609207105	662,295	9,080	SH		SOLE		9,080	0	0
KROGER	COM	501044101	646,391	13,753	SH		SOLE		13,753	0	0
Kartoon Studios Inc	None	37229T509	191	100	SH		SOLE		100	0	0
KeyCorp	COM	493267108	192,072	20,787	SH		SOLE		4,134	0	16,653
Keysight Technologies Inc	COM	49338L103	6,531	39	SH		SOLE		39	0	0
Kinder Morgan Inc	COM	49456B101	41,655	2,419	SH		SOLE		2,419	0	0
Kingdom of Norway Ministry of	SPONSORED ADR	29446M102	109,625	3,753	SH		SOLE		1,790	0	1,963
Kraft Heinz Co/The	COM	500754106	3,621	102	SH		SOLE		102	0	0
Kyndryl Holdings Inc	COMMON STOCK	50155Q100	11,049	832	SH		SOLE		832	0	0
L3Harris Technologies Inc	COM	502431109	82,615	422	SH		SOLE		422	0	0
LAS VEGAS SANDS CO	COM	517834107	2,900	50	SH		SOLE		50	0	0
LENNAR CORP	CL A	526057104	524,422	4,185	SH		SOLE		4,185	0	0
LOWE'S COS INC	COM	548661107	589,980	2,614	SH		SOLE		2,614	0	0
LULULEMON ATHLETIC	COM	550021109	37,850	100	SH		DFND		100	0	0
Laboratory Corp of America Hol	COM NEW	50540R409	41,750	173	SH		SOLE		173	0	0
Lam Research Corp	COM	512807108	382,502	595	SH		SOLE		595	0	0
Lamb Weston Holdings Inc	COM	513272104	5,173	45	SH		SOLE		45	0	0
Lattice Semiconductor Corp	COM	518415104	72,053	750	SH		SOLE		750	0	0
Leggett & Platt Inc	COM	524660107	112,971	3,814	SH		SOLE		3,814	0	0
Lennar Corp	CL B	526057302	8,925	79	SH		SOLE		79	0	0
Lincoln Electric Holdings Inc	COM	533900106	95,541	481	SH		SOLE		481	0	0
Linde PLC	None	G54950103	134,521	353	SH		SOLE		353	0	0
Littelfuse Inc	COM	537008104	58,262	200	SH		SOLE		200	0	0
Lockheed Martin Corp	COM	539830109	18,415	40	SH		DFND		40	0	0
Lockheed Martin Corp	COM	539830109	313,519	681	SH		SOLE		681	0	0
Lumentum Holdings Inc	COM	55024U109	2,553	45	SH		SOLE		45	0	0
LyondellBasell Industries NV	SHS - A -	N53745100	715,999	7,797	SH		SOLE		1,234	0	6,563
M&T Bank Corp	COM	55261F104	8,292	67	SH		SOLE		67	0	0
MARATHON OIL CORP	COM	565849106	13,835	601	SH		SOLE		601	0	0
MARSH & MCLENNAN	COM	571748102	175,479	933	SH		SOLE		933	0	0
MASTERCARD INC	CL A	57636Q104	2,359,013	5,998	SH		SOLE		1,830	0	4,168
MCCORMICK & CO INC	COM NON VTG	579780206	27,303	313	SH		SOLE		313	0	0
MCDONALD'S CORP	COM	580135101	305,870	1,025	SH		DFND		1,025	0	0
MCDONALD'S CORP	COM	580135101	742,742	2,489	SH		SOLE		2,489	0	0
MCKESSON CORP	COM	58155Q103	171,779	402	SH		SOLE		402	0	0
MGM MIRAGE INC	COM	552953101	193,160	4,398	SH		SOLE		4,398	0	0
MICROSOFT CORP	COM	594918104	204,324	600	SH		DFND		600	0	0
MICROSOFT CORP	COM	594918104	9,154,056	26,881	SH		SOLE		20,792	0	6,089
MOODYS CORP	COM	615369105	119,268	343	SH		SOLE		343	0	0
MORGAN STANLEY	COM NEW	617446448	150,646	1,764	SH		SOLE		1,764	0	0
MOTOROLA INC	COM NEW	620076307	379,211	1,293	SH		SOLE		1,293	0	0
MSCI Inc	COM	55354G100	52,091	111	SH		SOLE		111	0	0
Magna International Inc	COM	559222401	56,609	1,003	SH		SOLE		480	0	523
Marathon Digital Holdings Inc	COM	565788106	1,968	142	SH		SOLE		142	0	0
Marathon Petroleum Corp	COM UNIT REP LTD	55336V100	1,697	50	SH		SOLE		50	0	0
Marathon Petroleum Corp	COM	56585A102	237,281	2,035	SH		SOLE		2,035	0	0
Marriott International Inc/MD	CL A	571903202	224,285	1,221	SH		SOLE		1,221	0	0
Marvell Technology Inc	COM	573874104	97,740	1,635	SH		SOLE		1,635	0	0
Masterbrand Inc	COMMON STOCK	57638P104	116	10	SH		SOLE		10	0	0
Match Group Inc	COM	57667L107	13,811	330	SH		SOLE		330	0	0
Medical Properties Trust Inc	COM	58463J304	4,158	449	SH		SOLE		449	0	0
Medtronic PLC	SHS	G5960L103	595,116	6,755	SH		SOLE		3,146	0	3,609
Merck & Co Inc	COM	58933Y105	346,170	3,000	SH		DFND		3,000	0	0
Merck & Co Inc	COM	58933Y105	1,407,296	12,196	SH		SOLE		12,196	0	0
MetLife Inc	COM	59156R108	93,048	1,646	SH		SOLE		1,646	0	0
Microchip Technology Inc	COM	595017104	65,849	735	SH		SOLE		735	0	0
Micron Technology Inc	COM	595112103	686,826	10,883	SH		SOLE		10,883	0	0
Mid-America Apartment Communit	COM	59522J103	4,100	27	SH		SOLE		27	0	0
Moderna Inc	COM	60770K107	2,430	20	SH		SOLE		20	0	0
MongoDB Inc	CL A	60937P106	7,398	18	SH		SOLE		18	0	0
Monster Beverage Corp	COM	61174X109	374,279	6,516	SH		SOLE		6,516	0	0
Morningstar Inc	COM	617700109	19,607	100	SH		SOLE		100	0	0
Murphy Oil Corp	COM	626717102	8,541	223	SH		SOLE		223	0	0
NETFLIX INC	COM	64110L106	3,058,322	6,943	SH		SOLE		846	0	6,097
NEWMONT MINING CP	COM	651639106	85,064	1,994	SH		SOLE		1,994	0	0
NEXTERA ENERGY	COM	65339F101	296,800	4,000	SH		DFND		4,000	0	0
NEXTERA ENERGY	COM	65339F101	1,546,105	20,837	SH		SOLE		20,837	0	0
NIKE INC	CL B	654106103	1,376,204	12,469	SH		SOLE		6,759	0	5,710
NORTHERN TRUST CORP	COM	665859104	26,616	359	SH		SOLE		359	0	0
NORTHROP GRUMMAN	COM	666807102	72,472	159	SH		SOLE		159	0	0
NRG Energy Inc	COM NEW	629377508	13,909	372	SH		SOLE		372	0	0
NVIDIA Corp	COM	67066G104	423,020	1,000	SH		DFND		1,000	0	0
NVIDIA Corp	COM	67066G104	3,599,477	8,509	SH		SOLE		8,509	0	0
NXP Semiconductors NV	COM	N6596X109	1,228	6	SH		SOLE		6	0	0
National Amusements Inc	CLASS B COM	92556H206	14,924	938	SH		SOLE		938	0	0
National Grid PLC	SPONSORED ADR NE	636274409	235,655	3,500	SH		DFND		3,500	0	0
National Grid PLC	SPONSORED ADR NE	636274409	839,066	12,462	SH		SOLE		3,618	0	8,844
New Gold Inc	COM	644535106	1,080	1,000	SH		SOLE		1,000	0	0
Newell Brands Inc	COM	651229106	9,631	1,107	SH		SOLE		1,107	0	0
NiSource Inc	COM	65473P105	1,094	40	SH		SOLE		40	0	0
Nice Ltd	SPONSORED ADR	653656108	121,422	588	SH		SOLE		281	0	307
Nordson Corp	COM	655663102	50,381	203	SH		SOLE		203	0	0
Norfolk Southern Corp	COM	655844108	128,573	567	SH		SOLE		567	0	0
Northern Trust Investments Inc	MORNSTAR UPSTR	33939L407	12,422	310	SH		SOLE		310	0	0
Novartis AG	SPONSORED ADR	66987V109	95,259	944	SH		SOLE		503	0	441
Nucor Corp	COM	670346105	281,718	1,718	SH		SOLE		1,718	0	0
O'Reilly Automotive Inc	COM	67103H107	91,709	96	SH		SOLE		96	0	0
OCCIDENTAL PETROLEUM CORP	*W EXP 08/03/202	674599162	405	11	SH		SOLE		11	0	0
OMNICOM GROUP INC	COM	681919106	5,138	54	SH		SOLE		54	0	0
ON Semiconductor Corp	COM	682189105	4,445	47	SH		SOLE		47	0	0
ONEOK Inc	COM	682680103	36,353	589	SH		SOLE		589	0	0
OPKO Health Inc	COM	68375N103	4,340	2,000	SH		SOLE		2,000	0	0
ORACLE CORP	COM	68389X105	503,513	4,228	SH		SOLE		4,228	0	0
Occidental Petroleum Corp	COM	674599105	25,166	428	SH		SOLE		428	0	0
Old Dominion Freight Line Inc	COM	679580100	11,832	32	SH		SOLE		32	0	0
Omega Healthcare Investors Inc	COM	681936100	14,516	473	SH		SOLE		473	0	0
Organon & Co	COMMON STOCK	68622V106	6,243	300	SH		DFND		300	0	0
Organon & Co	COMMON STOCK	68622V106	11,758	565	SH		SOLE		565	0	0
Otis Worldwide Corp	COM	68902V107	33,379	375	SH		DFND		375	0	0
Otis Worldwide Corp	COM	68902V107	151,139	1,698	SH		SOLE		1,698	0	0
Owens Corning	COM	690742101	152,685	1,170	SH		SOLE		1,170	0	0
PACCAR INC	COM	693718108	32,874	393	SH		SOLE		393	0	0
PARKER-HANNIFIN	COM	701094104	16,382	42	SH		SOLE		42	0	0
PEPSICO INC	COM	713448108	185,220	1,000	SH		DFND		1,000	0	0
PEPSICO INC	COM	713448108	1,382,112	7,462	SH		SOLE		7,462	0	0
PHILIP MORRIS INTL	COM	718172109	283,098	2,900	SH		DFND		2,900	0	0
PHILIP MORRIS INTL	COM	718172109	1,740,467	17,829	SH		SOLE		8,624	0	9,205
PIONEER NATURAL RESOURCE	COM	723787107	110,841	535	SH		SOLE		535	0	0
PNC Financial Services Group I	COM	693475105	634,788	5,040	SH		SOLE		1,373	0	3,667
PPG Industries Inc	COM	693506107	12,309	83	SH		SOLE		83	0	0
PPL CORP	COM	69351T106	33,075	1,250	SH		DFND		1,250	0	0
PPL CORP	COM	69351T106	441,723	16,694	SH		SOLE		6,581	0	10,113
PROGRESSIVE CP(OH)	COM	743315103	98,086	741	SH		SOLE		741	0	0
PRUDENTIAL FINL	COM	744320102	14,203	161	SH		SOLE		161	0	0
PULTE HOMES INC	COM	745867101	31,849	410	SH		SOLE		410	0	0
Palo Alto Networks Inc	COM	697435105	84,318	330	SH		SOLE		330	0	0
Pangaea Logistics Solutions Lt	SHS	G6891L105	6,770	1,000	SH		SOLE		1,000	0	0
PayPal Holdings Inc	COM	70450Y103	1,596,048	23,918	SH		SOLE		3,523	0	20,395
Paychex Inc	COM	704326107	55,376	495	SH		SOLE		495	0	0
Penske Automotive Group Inc	COM	70959W103	20,829	125	SH		SOLE		125	0	0
Pfizer Inc	COM	717081103	1,893,605	51,625	SH		SOLE		37,295	0	14,330
Pfizer Inc	CL A	98978V103	1,163,967	6,759	SH		SOLE		1,928	0	4,831
Phillips 66	COM	718546104	106,349	1,115	SH		SOLE		1,115	0	0
Principal Financial Group Inc	COM	74251V102	6,067	80	SH		SOLE		80	0	0
Procter & Gamble Co/The	COM	742718109	303,480	2,000	SH		DFND		2,000	0	0
Procter & Gamble Co/The	COM	742718109	1,953,804	12,876	SH		SOLE		12,876	0	0
Prologis Inc	COM	74340W103	167,022	1,362	SH		SOLE		1,362	0	0
Prudential PLC	ADR	74435K204	51,004	1,801	SH		SOLE		803	0	998
Public Service Enterprise Grou	COM	744573106	20,286	324	SH		SOLE		324	0	0
Public Storage	COM	74460D109	145,940	500	SH		DFND		500	0	0
Public Storage	COM	74460D109	3,503	12	SH		SOLE		12	0	0
QUALCOMM Inc	COM	747525103	342,716	2,879	SH		SOLE		2,879	0	0
Quanta Services Inc	COM	74762E102	17,681	90	SH		SOLE		90	0	0
REALTY INCOME CORP	COM	756109104	44,843	750	SH		DFND		750	0	0
REALTY INCOME CORP	COM	756109104	359,936	6,020	SH		SOLE		1,690	0	4,330
REGENERON PHARMACEUTICALS	COM	75886F107	38,801	54	SH		SOLE		54	0	0
RELX PLC	SPONSORED ADR	759530108	121,618	3,638	SH		SOLE		1,736	0	1,902
RESTAURANT BRANDS INTERNATIONA	COM	76131D103	120,078	1,549	SH		SOLE		739	0	810
ROCKWELL AUTOMATION	COM	773903109	136,392	414	SH		SOLE		414	0	0
ROPER INDUSTRIES INC	COM	776696106	7,693	16	SH		SOLE		16	0	0
ROYAL CARIBBEAN	COM	V7780T103	52,700	508	SH		SOLE		508	0	0
Raytheon Technologies Corp	COM	75513E101	73,470	750	SH		DFND		750	0	0
Raytheon Technologies Corp	COM	75513E101	477,555	4,875	SH		SOLE		4,875	0	0
Reaves Utility Income Trust/Cl	COM SH BEN INT	756158101	126,763	4,623	SH		SOLE		4,623	0	0
Regions Financial Corp	COM	7591EP100	40,541	2,275	SH		SOLE		2,275	0	0
Reliance Steel & Aluminum Co	COM	759509102	263,442	970	SH		SOLE		970	0	0
Republic Services Inc	COM	760759100	10,416	68	SH		SOLE		68	0	0
ResMed Inc	COM	761152107	3,496	16	SH		SOLE		16	0	0
Rio Tinto PLC	SPONSORED ADR	767204100	194,201	3,042	SH		SOLE		2,445	0	597
Rithm Capital Corp	COM NEW	64828T201	2,852	305	SH		SOLE		305	0	0
Robert Half International Inc	COM	770323103	19,031	253	SH		SOLE		253	0	0
Rogers Communications Inc	CL B	775109200	48,287	1,058	SH		SOLE		507	0	551
Roku Inc	COM CL A	77543R102	3,198	50	SH		SOLE		50	0	0
Ross Stores Inc	COM	778296103	19,623	175	SH		SOLE		175	0	0
Ryder System Inc	COM	783549108	10,599	125	SH		SOLE		125	0	0
S&P Global Inc	COM	78409V104	262,182	654	SH		SOLE		654	0	0
SALESFORCE.COM INC	COM	79466L302	2,209,568	10,459	SH		SOLE		3,175	0	7,284
SAP SE	SPON ADR	803054204	69,363	507	SH		SOLE		507	0	0
SBA Communications Corp	CL A	78410G104	927	4	SH		SOLE		4	0	0
SCOTTS MIRACLE-GRO CO/THE	CL A	810186106	3,135	50	SH		SOLE		50	0	0
SELECT SECTOR SPDR	SBI HEALTHCARE	81369Y209	91,318	688	SH		SOLE		688	0	0
SELECT SECTOR SPDR	ENERGY	81369Y506	2,236,639	27,555	SH		SOLE		8,862	0	18,693
SELECT SECTOR SPDR	FINANCIAL	81369Y605	432,196	12,821	SH		SOLE		12,821	0	0
SELECT SECTOR SPDR	TECHNOLOGY	81369Y803	121,702	700	SH		SOLE		700	0	0
SEMPRA ENERGY	COM	816851109	46,443	319	SH		SOLE		319	0	0
SIMON PROP GROUP	COM	828806109	2,772	24	SH		SOLE		24	0	0
SMUCKER(JM)CO	COM NEW	832696405	3,101	21	SH		SOLE		21	0	0
SOUTHWEST AIRLINES	COM	844741108	359,348	9,924	SH		SOLE		9,924	0	0
SPDR DOW JONES IND	UT SER 1	78467X109	24,413	71	SH		SOLE		71	0	0
SPDR GOLD TRUST	GOLD SHS	78463V107	14,440	81	SH		SOLE		81	0	0
SPDR SER TR	PORTFOLIO S&P600	78468R853	693,644	17,859	SH		SOLE		17,859	0	0
SSGA FUNDS MANAGEMENT INC	PORTFOLIO DEVLPD	78463X889	77,608	2,385	SH		SOLE		2,385	0	0
SSGA Funds Management Inc	S&P DIVID ETF	78464A763	71,342	582	SH		SOLE		582	0	0
SSgA Funds Management Inc	TR UNIT	78462F103	8,003,864	18,056	SH		SOLE		18,056	0	0
STARBUCKS CORP	COM	855244109	114,612	1,157	SH		SOLE		1,157	0	0
STATE STREET ETF/USA	UTSER1 S&PDCRP	78467Y107	8,795,661	18,366	SH		SOLE		18,209	0	157
SYNCHRONY FINANCIAL	COM	87165B103	157,423	4,641	SH		SOLE		4,641	0	0
Sanofi	SPONSORED ADR	80105N105	269,500	5,000	SH		DFND		5,000	0	0
Sanofi	SPONSORED ADR	80105N105	524,770	9,736	SH		SOLE		2,233	0	7,503
Schlumberger NV	COM STK	806857108	56,930	1,159	SH		SOLE		1,159	0	0
Schwab ETFs/USA	US REIT ETF	808524847	98,177	5,027	SH		SOLE		4,959	0	68
Sea Ltd	SPONSORD ADS	81141R100	5,514	95	SH		SOLE		95	0	0
Seagate Technology Holdings PL	ORD SHS	G7997R103	57,601	931	SH		SOLE		931	0	0
ServiceNow Inc	COM	81762P102	2,377,695	4,231	SH		SOLE		606	0	3,625
Shell PLC	SPON ADS	780259305	116,050	1,922	SH		SOLE		969	0	953
Sherwin-Williams Co/The	COM	824348106	1,593	6	SH		SOLE		6	0	0
Skyworks Solutions Inc	COM	83088M102	3,763	34	SH		SOLE		34	0	0
Smith & Nephew PLC	SPDN ADR NEW	83175M205	68,015	2,109	SH		SOLE		1,014	0	1,095
Sony Group Corp	SPONSORED ADR	835699307	130,018	1,444	SH		SOLE		975	0	469
Southern Co/The	COM	842587107	281,000	4,000	SH		DFND		4,000	0	0
Southern Co/The	COM	842587107	996,637	14,187	SH		SOLE		5,383	0	8,804
Splunk Inc	COM	848637104	26,204	247	SH		SOLE		247	0	0
Starwood Property Trust Inc	COM	85571B105	47,918	2,470	SH		SOLE		2,470	0	0
State Street Corp	COM	857477103	17,636	241	SH		SOLE		241	0	0
State Street Global Advisors Inc	SPDR MSCI USA GE	78468R747	166,043	1,886	SH		SOLE		1,886	0	0
Steel Dynamics Inc	COM	858119100	12,091	111	SH		SOLE		111	0	0
Stryker Corp	COM	863667101	23,492	77	SH		SOLE		77	0	0
Sumitomo Mitsui Financial Grou	SPONSORED ADR	86562M209	645	75	SH		SOLE		75	0	0
Sun Communities Inc	COM	866674104	4,697	36	SH		SOLE		36	0	0
Synopsys Inc	COM	871607107	14,369	33	SH		SOLE		33	0	0
Sysco Corp	COM	871829107	44,297	597	SH		SOLE		597	0	0
T Rowe Price Group Inc	COM	74144T108	95,217	850	SH		SOLE		850	0	0
T-Mobile US Inc	COM	872590104	185,293	1,334	SH		SOLE		1,334	0	0
TC Energy Corp	COM	87807B107	604,089	14,949	SH		SOLE		2,565	0	12,384
TE Connectivity Ltd	SHS	H84989104	93,627	668	SH		SOLE		668	0	0
TEXAS INSTRUMENTS	COM	882508104	875,617	4,864	SH		SOLE		4,864	0	0
TJX Cos Inc/The	COM	872540109	276,670	3,263	SH		SOLE		3,263	0	0
TORONTO-DOMINION	COM NEW	891160509	172,264	2,778	SH		SOLE		2,778	0	0
TRACTOR SUPPLY CO	COM	892356106	5,970	27	SH		SOLE		27	0	0
TRAVEL PLUS LEISURE CO	COM	894164102	23,599	585	SH		SOLE		585	0	0
TRAVELERS CO INC	COM	89417E109	236,004	1,359	SH		SOLE		1,359	0	0
TSMC	SPONSORED ADS	874039100	374,413	3,710	SH		SOLE		2,988	0	722
Targa Resources Corp	COM	87612G101	34,245	450	SH		SOLE		450	0	0
Target Corp	COM	87612E106	167,249	1,268	SH		SOLE		1,268	0	0
Teradyne Inc	COM	880770102	59,116	531	SH		SOLE		531	0	0
Tesla Inc	COM	88160R101	799,446	3,054	SH		SOLE		3,054	0	0
Textron Inc	COM	883203101	10,483	155	SH		SOLE		155	0	0
Thermo Fisher Scientific Inc	COM	883556102	1,649,774	3,162	SH		SOLE		1,363	0	1,799
TotalEnergies SE	SPONSORED ADS	89151E109	1,059,481	18,381	SH		SOLE		4,283	0	14,098
Trade Desk Inc/The	COM CL A	88339J105	29,498	382	SH		SOLE		382	0	0
Trane Technologies PLC	SHS	G8994E103	909,059	4,753	SH		SOLE		4,753	0	0
Truist Financial Corp	COM	89832Q109	562,234	18,525	SH		SOLE		6,083	0	12,442
Tyson Foods Inc	CL A	902494103	5,104	100	SH		SOLE		100	0	0
US Bancorp	COM NEW	902973304	490,148	14,835	SH		SOLE		3,394	0	11,441
US NATURAL GAS FD	UNIT PAR	912318300	2,367	319	SH		SOLE		319	0	0
UTD PARCEL SERV	CL B	911312106	224,063	1,250	SH		DFND		1,250	0	0
UTD PARCEL SERV	CL B	911312106	761,454	4,248	SH		SOLE		1,926	0	2,322
Uber Technologies Inc	COM	90353T100	3,626	84	SH		SOLE		84	0	0
Ulta Beauty Inc	COM	90384S303	66,824	142	SH		SOLE		142	0	0
Unilever PLC	SPON ADR NEW	904767704	52,130	1,000	SH		DFND		1,000	0	0
Unilever PLC	SPON ADR NEW	904767704	684,154	13,124	SH		SOLE		3,714	0	9,410
Union Pacific Corp	COM	907818108	165,538	809	SH		SOLE		809	0	0
UnitedHealth Group Inc	COM	91324P102	2,827,124	5,882	SH		SOLE		3,562	0	2,320
VANGUARD	S&P 500 ETF SHS	922908363	150,286	369	SH		DFND		369	0	0
VANGUARD	S&P 500 ETF SHS	922908363	38,975,881	95,698	SH		SOLE		46,968	0	48,730
VANGUARD ETF/USA	FTSE EMR MKT ETF	922042858	3,272,991	80,457	SH		SOLE		26,224	0	54,233
VANGUARD ETF/USA	SHRT TRM CORP BD	92206C409	5,843,524	77,234	SH		SOLE		70,786	0	6,448
VANGUARD ETF/USA	LONG TERM TREAS	92206C847	11,499	181	SH		SOLE		181	0	0
VANGUARD ETF/USA	INT-TERM CORP	92206C870	39,120	495	SH		SOLE		495	0	0
VANGUARD ETF/USA	SM CP VAL ETF	922908611	1,497,035	9,051	SH		SOLE		5,679	0	3,372
VANGUARD ETF/USA	TOTAL STK MKT	922908769	846,977	3,845	SH		SOLE		3,845	0	0
VANGUARD GROUP INC/THE	SHORT TERM TREAS	92206C102	910,691	15,775	SH		SOLE		15,775	0	0
VANGUARD GROUP INC/THE	LG-TERM COR BD	92206C813	11,538	147	SH		SOLE		147	0	0
VANGUARD WHITEHALL	HIGH DIV YLD	921946406	144,679	1,364	SH		DFND		1,364	0	0
VERIZON COMMUN	COM	92343V104	241,735	6,500	SH		DFND		6,500	0	0
VERIZON COMMUN	COM	92343V104	1,334,303	35,878	SH		SOLE		14,812	0	21,066
VF Corp	COM	918204108	3,360	176	SH		SOLE		176	0	0
VIATRIS INC	COM	92556V106	16,976	1,701	SH		SOLE		1,701	0	0
VISA INC	COM CL A	92826C839	2,969,687	12,505	SH		SOLE		5,946	0	6,559
VMware Inc	CL A COM	928563402	4,454	31	SH		SOLE		31	0	0
Valero Energy Corp	COM	91913Y100	325,859	2,778	SH		SOLE		2,778	0	0
Vanguard ETF/USA	VAN FTSE DEV MKT	921943858	1,636,989	35,448	SH		SOLE		8,834	0	26,614
Vanguard ETF/USA	ALLWRLD EX US	922042775	92,497	1,700	SH		SOLE		1,700	0	0
Vanguard ETF/USA	ENERGY ETF	92204A306	2,414,830	21,391	SH		SOLE		7,809	0	13,582
Vanguard ETF/USA	INF TECH ETF	92204A702	221,080	500	SH		SOLE		500	0	0
Vanguard ETF/USA	MCAP VL IDXVIP	922908512	1,572,274	11,362	SH		SOLE		7,393	0	3,969
Vanguard ETF/USA	MCAP GR IDXVIP	922908538	164,616	800	SH		SOLE		800	0	0
Vanguard ETF/USA	REAL ESTATE ETF	922908553	430,334	5,150	SH		DFND		5,150	0	0
Vanguard ETF/USA	REAL ESTATE ETF	922908553	3,339,225	39,962	SH		SOLE		39,729	0	233
Vanguard ETF/USA	SML CP GRW ETF	922908595	28,947	126	SH		SOLE		126	0	0
Vanguard ETF/USA	MID CAP ETF	922908629	4,762,501	21,632	SH		SOLE		15,570	0	6,062
Vanguard ETF/USA	GROWTH ETF	922908736	28,296	100	SH		SOLE		100	0	0
Vanguard ETF/USA	VALUE ETF	922908744	6,398,337	45,027	SH		SOLE		30,503	0	14,524
Vanguard ETF/USA	SMALL CP ETF	922908751	4,167,740	20,955	SH		SOLE		14,187	0	6,768
Vanguard Group Inc/The	TOTAL BND MRKT	921937835	4,790,271	65,900	SH		SOLE		60,483	0	5,417
Vanguard Group Inc/The	FTSE SMCAP ETF	922042718	12,263	111	SH		SOLE		111	0	0
Vanguard Group Inc/The	INTER TERM TREAS	92206C706	32,908	561	SH		SOLE		561	0	0
Vanguard Group Inc/The	TAX EXEMPT BD	922907746	9,220,091	183,594	SH		SOLE		178,160	0	5,434
Vanguard Group Inc/The	LARGE CAP ETF	922908637	74,196	366	SH		SOLE		366	0	0
Veeva Systems Inc	CL A COM	922475108	4,548	23	SH		SOLE		23	0	0
Ventas Inc	COM	92276F100	35,972	761	SH		SOLE		761	0	0
VeriSign Inc	COM	92343E102	7,683	34	SH		SOLE		34	0	0
Verisk Analytics Inc	COM	92345Y106	45,432	201	SH		SOLE		201	0	0
Vertex Pharmaceuticals Inc	COM	92532F100	189,328	538	SH		SOLE		538	0	0
Virgin Galactic Holdings Inc	COM	92766K106	1,323	341	SH		SOLE		341	0	0
Vitesse Energy Inc	None	92852X103	246	11	SH		SOLE		11	0	0
Vodafone Group PLC	SPONSORED ADR	92857W308	30,202	3,196	SH		SOLE		2,721	0	475
Vontier Corp	COM	928881101	644	20	SH		SOLE		20	0	0
Voya Financial Inc	COM	929089100	377,697	5,267	SH		SOLE		5,267	0	0
WASTE MANAGEMENT	COM	94106L109	174,287	1,005	SH		SOLE		1,005	0	0
WEC Energy Group Inc	COM	92939U106	3,706	42	SH		SOLE		42	0	0
WELLS FARGO & CO	COM	949746101	128,638	3,014	SH		SOLE		3,014	0	0
WELLTOWER INC COM	COM	95040Q104	83,317	1,030	SH		SOLE		1,030	0	0
WW Grainger Inc	COM	384802104	1,577	2	SH		SOLE		2	0	0
Walgreens Boots Alliance Inc	COM	931427108	468,860	16,457	SH		SOLE		4,085	0	12,372
Walmart Inc	COM	931142103	968,072	6,159	SH		SOLE		6,159	0	0
Walt Disney Co/The	COM	254687106	664,511	7,443	SH		SOLE		7,443	0	0
Warner Bros Discovery Inc	COM SER A	934423104	4,389	350	SH		SOLE		350	0	0
Waste Connections Inc	COM	94106B101	45,738	320	SH		SOLE		320	0	0
Weibo Corp	SPONSORED ADR	948596101	37,167	2,835	SH		SOLE		1,353	0	1,482
Westinghouse Air Brake Technol	COM	929740108	17,767	162	SH		SOLE		162	0	0
Weyerhaeuser Co	COM NEW	962166104	14,074	420	SH		SOLE		420	0	0
Williams Cos Inc/The	COM	969457100	863,259	26,456	SH		SOLE		7,047	0	19,409
Wolfspeed Inc	COM	977852102	16,677	300	SH		SOLE		300	0	0
Woodside Energy Group Ltd	SPONSORED ADR	980228308	73,396	3,165	SH		SOLE		1,626	0	1,539
Workday Inc	CL A	98138H101	677,218	2,998	SH		SOLE		184	0	2,814
XP INC	CL A	G98239109	53,348	2,274	SH		SOLE		1,087	0	1,187
Xcel Energy Inc	COM	98389B100	1,243	20	SH		SOLE		20	0	0
Xylem Inc/NY	COM	98419M100	27,254	242	SH		SOLE		242	0	0
YETI Holdings Inc	COM	98585X104	34,956	900	SH		SOLE		900	0	0
YUM BRANDS INC	COM	988498101	460,956	3,327	SH		SOLE		3,327	0	0
Yelp Inc	CL A	985817105	19,042	523	SH		SOLE		523	0	0
ZIMMER HLDGS INC	COM	98956P102	5,678	39	SH		SOLE		39	0	0
Zebra Technologies Corp	CL A	989207105	34,612	117	SH		SOLE		117	0	0
iShares ETFs/USA	CORE US AGGBD ET	464287226	1,442,706	14,729	SH		SOLE		12,602	0	2,127
iShares ETFs/USA	MSCI EAFE ETF	464287465	128,688	1,775	SH		DFND		1,775	0	0
iShares ETFs/USA	MSCI EAFE ETF	464287465	5,383,705	74,258	SH		SOLE		74,168	0	90
iShares ETFs/USA	MSCI ACWI EX US	464288240	26,825	545	SH		SOLE		545	0	0
iShares ETFs/USA	MBS ETF	464288588	23,223	249	SH		SOLE		249	0	0
iShares ETFs/USA	MSCI USA MIN VOL	46429B697	371,650	5,000	SH		SOLE		5,000	0	0
iShares ETFs/USA	MRNGSTR INC ETF	46432F875	76,948	3,942	SH		DFND		3,942	0	0
iShares ETFs/USA	None	46435U150	2,009	85	SH		SOLE		85	0	0
iShares ETFs/USA	None	46435U184	2,077	90	SH		SOLE		90	0	0
iShares ETFs/USA	IBDS DEC28 ETF	46435U515	15,925	650	SH		SOLE		650	0	0
iShares ETFs/USA	BROAD USD HIGH	46435U853	2,585,549	73,245	SH		SOLE		64,709	0	8,536
iShares ETFs/USA	None	46436E296	12,016	517	SH		SOLE		517	0	0
iShares ETFs/USA	IBONDS DEC 2031	46436E486	9,628	475	SH		SOLE		475	0	0
iShares ETFs/USA	ESG SCRND S&P500	46436E569	130,629	3,863	SH		SOLE		3,863	0	0
iShares ETFs/USA	None	46436E825	24,334	1,125	SH		SOLE		1,125	0	0
iShares ETFs/USA	None	46436E841	28,795	1,300	SH		SOLE		1,300	0	0