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	106,070	1,000	SH		DFND		1,000	0	0
3M Co	COM	88579Y101	62,900	593	SH		SOLE		593	0	0
5TH THIRD BANCORP	COM	316773100	9,600	258	SH		SOLE		258	0	0
ACADIA Pharmaceuticals Inc	COM	004225108	3,698	200	SH		SOLE		200	0	0
ADVANCED MICRO DEV	COM	007903107	1,056,949	5,856	SH		SOLE		3,296	0	2,560
AGILENT TECHS INC	COM	00846U101	300,333	2,064	SH		SOLE		2,064	0	0
ALBEMARLE CORP	COM	012653101	1,317	10	SH		SOLE		10	0	0
ALCON AG	ORD SHS	H01301128	15,325	184	SH		SOLE		184	0	0
ALPHABET INC	CAP STK CL A	02079K305	4,308,146	28,544	SH		SOLE		21,880	0	6,664
ALTRIA GROUP INC	COM	02209S103	610,680	14,000	SH		DFND		14,000	0	0
ALTRIA GROUP INC	COM	02209S103	208,765	4,786	SH		SOLE		4,786	0	0
AMBEV SA	SPONSORED ADR	02319V103	57,757	23,289	SH		SOLE		0	0	23,289
AMER EXPRESS CO	COM	025816109	1,508,446	6,625	SH		SOLE		3,798	0	2,827
AMER INTL GRP	COM NEW	026874784	238,262	3,048	SH		SOLE		3,048	0	0
AMETEK Inc	COM	031100100	5,304	29	SH		SOLE		29	0	0
ANALOG DEVICES INC	COM	032654105	277,302	1,402	SH		SOLE		1,402	0	0
ANSYS, INC.	COM	03662Q105	10,068	29	SH		SOLE		29	0	0
APA Corp	COM	03743Q108	68,760	2,000	SH		SOLE		2,000	0	0
APPLIED MATERIALS	COM	038222105	1,597,045	7,744	SH		SOLE		5,995	0	1,749
ARISTA NETWORKS INC	COM	040413106	15,369	53	SH		SOLE		53	0	0
ASE Technology Holding Co Ltd	SPONSORED ADS	00215W100	181,005	16,470	SH		SOLE		0	0	16,470
ASML HOLDING NV	N Y REGISTRY SHS	N07059210	192,153	198	SH		SOLE		49	0	149
AT&T INC	COM	00206R102	123,200	7,000	SH		DFND		7,000	0	0
AT&T INC	COM	00206R102	123,270	7,004	SH		SOLE		5,694	0	1,310
AUTOMATIC DATA PROCESSING	COM	053015103	1,039,668	4,163	SH		SOLE		4,163	0	0
AUTOZONE INC	COM	053332102	66,185	21	SH		SOLE		21	0	0
AVERY DENNISON CORP	COM	053611109	64,296	288	SH		SOLE		288	0	0
AbbVie Inc	COM	00287Y109	1,274,700	7,000	SH		DFND		7,000	0	0
AbbVie Inc	COM	00287Y109	1,066,924	5,859	SH		SOLE		5,408	0	451
Abbott Laboratories	COM	002824100	596,715	5,250	SH		DFND		5,250	0	0
Abbott Laboratories	COM	002824100	3,700,315	32,556	SH		SOLE		11,447	0	21,109
Accenture PLC	SHS CLASS A	G1151C101	3,332,655	9,615	SH		SOLE		3,653	0	5,962
Adobe Inc	COM	00724F101	2,807,090	5,563	SH		SOLE		1,779	0	3,784
Advance Auto Parts Inc	COM	00751Y106	13,614	160	SH		SOLE		160	0	0
Aflac Inc	COM	001055102	30,738	358	SH		SOLE		358	0	0
Air Products and Chemicals Inc	COM	009158106	261,167	1,078	SH		SOLE		1,078	0	0
Airbnb Inc	COM CL A	009066101	2,539,394	15,394	SH		SOLE		1,386	0	14,008
Alaska Air Group Inc	COM	011659109	1,290	30	SH		SOLE		30	0	0
Align Technology Inc	COM	016255101	660,431	2,014	SH		SOLE		350	0	1,665
Allegion plc	ORD SHS	G0176J109	6,331	47	SH		SOLE		47	0	0
Allstate Corp/The	COM	020002101	102,076	590	SH		SOLE		590	0	0
Ally Financial Inc	COM	02005N100	7,103	175	SH		SOLE		175	0	0
Alphabet Inc	CAP STK CL C	02079K107	106,582	700	SH		DFND		700	0	0
Alphabet Inc	CAP STK CL C	02079K107	6,599,862	43,346	SH		SOLE		17,999	0	25,347
Amazon.com Inc	COM	023135106	14,919,230	82,710	SH		SOLE		28,070	0	54,640
Amcor PLC	ORD	G0250X107	68,948	7,250	SH		DFND		7,250	0	0
Amcor PLC	ORD	G0250X107	17,670	1,858	SH		SOLE		1,024	0	834
American Century ETF Trust	AVANTIS EMGMKT	025072604	1,525,565	26,321	SH		SOLE		24,773	0	1,548
American Century ETF Trust	INTL EQT ETF	025072703	4,079	64	SH		DFND		64	0	0
American Century ETF Trust	INTL EQT ETF	025072703	1,341,536	21,047	SH		SOLE		16,960	0	4,087
American Electric Power Co Inc	COM	025537101	86,100	1,000	SH		DFND		1,000	0	0
American Electric Power Co Inc	COM	025537101	45,289	526	SH		SOLE		375	0	151
American Tower Corp	COM	03027X100	273,267	1,383	SH		SOLE		1,383	0	0
Ameriprise Financial Inc	COM	03076C106	708,081	1,615	SH		SOLE		1,615	0	0
Amgen Inc	COM	031162100	761,125	2,677	SH		SOLE		2,645	0	32
Amphenol Corp	CL A	032095101	121,464	1,053	SH		SOLE		1,053	0	0
Anheuser-Busch InBev SA/NV	SPONSORED ADR	03524A108	60,780	1,000	SH		SOLE		1,000	0	0
Aon PLC	SHS CL A	G0403H108	110,128	330	SH		SOLE		330	0	0
Apollo Global Management Inc	COM	03769M106	10,345	92	SH		SOLE		92	0	0
Apple Hospitality REIT Inc	COM NEW	03784Y200	221,507	13,523	SH		SOLE		13,523	0	0
Apple Inc	COM	037833100	10,494,576	61,200	SH		DFND		61,200	0	0
Apple Inc	COM	037833100	17,544,805	102,314	SH		SOLE		99,854	0	2,460
Archer Aviation Inc	COM CL A	03945R102	23,100	5,000	SH		SOLE		5,000	0	0
Archer-Daniels-Midland Co	COM	039483102	64,757	1,031	SH		SOLE		1,031	0	0
Ares Capital Corp	COM	04010L103	4,997	240	SH		SOLE		240	0	0
Arthur J Gallagher & Co	COM	363576109	248,540	994	SH		SOLE		464	0	530
AstraZeneca PLC	SPONSORED ADR	046353108	504,738	7,450	SH		DFND		7,450	0	0
AstraZeneca PLC	SPONSORED ADR	046353108	241,935	3,571	SH		SOLE		3,571	0	0
Atlassian Corp	CL A	049468101	69,459	356	SH		SOLE		356	0	0
Autodesk Inc	COM	052769106	1,860,961	7,146	SH		SOLE		747	0	6,399
BAKER HUGHES INC	CL A	05722G100	5,025	150	SH		SOLE		150	0	0
BARRICK GOLD CORP	COM	067901108	40,701	2,446	SH		SOLE		2,446	0	0
BAXTER INTL INC	COM	071813109	90,865	2,126	SH		SOLE		2,126	0	0
BCE Inc	COM NEW	05534B760	149,512	4,400	SH		DFND		4,400	0	0
BCE Inc	COM NEW	05534B760	50,868	1,497	SH		SOLE		1,105	0	392
BECTON DICKINSON	COM	075887109	1,732	7	SH		SOLE		7	0	0
BEST BUY CO INC	COM	086516101	54,796	668	SH		SOLE		668	0	0
BHP BILLITON LTD	SPONSORED ADS	088606108	74,535	1,292	SH		SOLE		0	0	1,292
BJ's Wholesale Club Holdings I	COM	05550J101	102,884	1,360	SH		SOLE		1,360	0	0
BK OF AMERICA CORP	COM	060505104	2,709,725	71,459	SH		SOLE		67,349	0	4,110
BK OF MONTREAL	COM	063671101	49,817	510	SH		SOLE		510	0	0
BK OF NY MELLON CP	COM	064058100	69,144	1,200	SH		SOLE		1,200	0	0
BLACKROCK FUND ADVISORS	HDG MSCI EAFE	46434V803	1,656,800	47,500	SH		SOLE		0	0	47,500
BOEING CO	COM	097023105	79,705	413	SH		SOLE		413	0	0
BP PLC	SPONSORED ADR	055622104	241,416	6,407	SH		SOLE		6,407	0	0
BRIGHTHOUSE FINANCIAL INC.	COM	10922N103	35,923	697	SH		SOLE		697	0	0
BRISTOL-MYRS SQUIB	COM	110122108	108,460	2,000	SH		DFND		2,000	0	0
BRISTOL-MYRS SQUIB	COM	110122108	598,320	11,033	SH		SOLE		2,752	0	8,281
BRITISH AMERICAN TOBACCO PLC	SPONSORED ADR	110448107	83,875	2,750	SH		DFND		2,750	0	0
BRITISH AMERICAN TOBACCO PLC	SPONSORED ADR	110448107	13,146	431	SH		SOLE		189	0	242
Baidu Inc	SPON ADR REP A	056752108	69,801	663	SH		SOLE		0	0	663
Banco Bradesco SA	SP ADR PFD NEW	059460303	41,745	14,596	SH		SOLE		0	0	14,596
Bancolombia SA	SPON ADR PREF	05968L102	79,117	2,312	SH		SOLE		0	0	2,312
Barclays PLC	ADR	06738E204	80,098	8,476	SH		SOLE		0	0	8,476
Berkshire Hathaway Inc	CL B NEW	084670702	1,374,259	3,268	SH		SOLE		3,268	0	0
Biogen Inc	COM	09062X103	15,310	71	SH		SOLE		71	0	0
Biomea Fusion Inc	COM	09077A106	57,752	3,863	SH		SOLE		3,863	0	0
Black Stone Minerals LP	COM UNIT	09225M101	15,980	1,000	SH		SOLE		1,000	0	0
BlackRock Fund Advisors	SHRT NAT MUN ETF	464288158	10,476,770	100,036	SH		SOLE		97,187	0	2,849
BlackRock Inc	COM	09247X101	341,817	410	SH		SOLE		410	0	0
Blackstone Inc	COM	09260D107	131,370	1,000	SH		DFND		1,000	0	0
Blackstone Inc	COM	09260D107	56,489	430	SH		SOLE		430	0	0
Block Inc	CL A	852234103	3,214	38	SH		SOLE		38	0	0
Booking Holdings Inc	COM	09857L108	10,884	3	SH		SOLE		3	0	0
BorgWarner Inc	COM	099724106	38,388	1,105	SH		SOLE		1,105	0	0
Boston Scientific Corp	COM	101137107	169,924	2,481	SH		SOLE		2,481	0	0
Broadcom Inc	COM	11135F101	1,452,649	1,096	SH		SOLE		1,096	0	0
Burlington Stores Inc	COM	122017106	25,541	110	SH		SOLE		110	0	0
CACI International Inc	CL A	127190304	18,563	49	SH		SOLE		49	0	0
CARNIVAL CORP	UNIT 99/99/9999	143658300	64,755	3,963	SH		SOLE		0	0	3,963
CARRIER GLOBAL CORP	COM	14448C104	43,598	750	SH		DFND		750	0	0
CARRIER GLOBAL CORP	COM	14448C104	172,414	2,966	SH		SOLE		2,966	0	0
CBRE Group Inc	CL A	12504L109	66,512	684	SH		SOLE		684	0	0
CDN NATL RAILWAYS	COM	136375102	85,480	649	SH		SOLE		0	0	649
CF Industries Holdings Inc	COM	125269100	14,978	180	SH		SOLE		180	0	0
CHUBB LIMITED COM	COM	H1467J104	77,739	300	SH		DFND		300	0	0
CHUBB LIMITED COM	COM	H1467J104	733,079	2,829	SH		SOLE		757	0	2,072
CIBC	COM	136069101	233,312	4,600	SH		DFND		4,600	0	0
CIBC	COM	136069101	34,135	673	SH		SOLE		474	0	199
CIENA CORP	COM NEW	171779309	989	20	SH		SOLE		20	0	0
CINTAS CORP	COM	172908105	6,870	10	SH		SOLE		10	0	0
CISCO SYSTEMS	COM	17275R102	797,113	15,971	SH		SOLE		14,651	0	1,320
CME Group Inc	COM	12572Q105	751,362	3,490	SH		SOLE		548	0	2,942
CMS Energy Corp	COM	125896100	18,766	311	SH		SOLE		311	0	0
CNX Resources Corp	COM	12653C108	6,001	253	SH		SOLE		253	0	0
COGNIZANT TECHNOLO	CL A	192446102	25,725	351	SH		SOLE		351	0	0
COLGATE-PALMOLIVE	COM	194162103	389,917	4,330	SH		SOLE		106	0	4,224
CONAGRA FOODS INC	COM	205887102	40,310	1,360	SH		SOLE		1,061	0	299
CONOCOPHILLIPS	COM	20825C104	2,193,798	17,236	SH		SOLE		13,326	0	3,910
CORNING INC	COM	219350105	38,365	1,164	SH		SOLE		1,164	0	0
CRH	ORD	G25508105	111,793	1,296	SH		SOLE		1,296	0	0
CRONOS GROUP INC	COM	22717L101	5,220	2,000	SH		DFND		2,000	0	0
CSX CORP	COM	126408103	946,063	25,521	SH		SOLE		21,771	0	3,750
CUMMINS INC	COM	231021106	7,661	26	SH		SOLE		26	0	0
CVS Health Corp	COM	126650100	269,429	3,378	SH		SOLE		3,378	0	0
Cadence Design Systems Inc	COM	127387108	264,899	851	SH		SOLE		851	0	0
Canadian Pacific Kansas City L	COM	13646K108	21,425	243	SH		SOLE		243	0	0
Capital One Financial Corp	COM	14040H105	130,577	877	SH		SOLE		877	0	0
CarMax Inc	COM	143130102	9,931	114	SH		SOLE		114	0	0
Cardinal Health Inc	COM	14149Y108	28,646	256	SH		SOLE		256	0	0
Caterpillar Inc	COM	149123101	558,806	1,525	SH		SOLE		1,525	0	0
Cboe Global Markets Inc	COM	12503M108	3,675	20	SH		SOLE		20	0	0
Celanese Corp	COM	150870103	493,926	2,874	SH		SOLE		2,874	0	0
Cenovus Energy Inc	COM	15135U109	570,595	28,544	SH		SOLE		697	0	27,847
Centene Corp	COM	15135B101	572,512	7,295	SH		SOLE		237	0	7,058
Charles Schwab Corp/The	COM	808513105	167,250	2,312	SH		SOLE		2,312	0	0
Charles Schwab Investment Management Inc	US LRG CAP ETF	808524201	227,015	3,658	SH		SOLE		3,658	0	0
Charles Schwab Investment Management Inc	US MID-CAP ETF	808524508	82,244	1,010	SH		SOLE		1,010	0	0
Charles Schwab Investment Management Inc	US SML CAP ETF	808524607	51,210	1,040	SH		SOLE		1,040	0	0
Charter Communications Inc	CL A	16119P108	27,319	94	SH		SOLE		94	0	0
Check Point Software Technolog	ORD	M22465104	121,531	741	SH		SOLE		0	0	741
Chevron Corp	COM	166764100	1,261,920	8,000	SH		DFND		8,000	0	0
Chevron Corp	COM	166764100	1,491,589	9,456	SH		SOLE		4,816	0	4,640
Chipotle Mexican Grill Inc	COM	169656105	61,042	21	SH		SOLE		21	0	0
Cigna Group/The	COM	125523100	643,936	1,773	SH		SOLE		1,773	0	0
Cincinnati Financial Corp	COM	172062101	7,078	57	SH		SOLE		57	0	0
Citigroup Inc	COM NEW	172967424	126,101	1,994	SH		SOLE		1,994	0	0
Citizens Financial Group Inc	COM	174610105	11,976	330	SH		SOLE		330	0	0
Clorox Co/The	COM	189054109	43,330	283	SH		SOLE		283	0	0
Coca-Cola Co/The	COM	191216100	186,599	3,050	SH		DFND		3,050	0	0
Coca-Cola Co/The	COM	191216100	589,102	9,629	SH		SOLE		9,508	0	121
Comcast Corp	CL A	20030N101	703,440	16,227	SH		SOLE		13,517	0	2,710
Comerica Inc	COM	200340107	5,499	100	SH		SOLE		100	0	0
Community Healthcare Trust Inc	COM	20369C106	45,135	1,700	SH		SOLE		1,700	0	0
Constellation Brands Inc	CL A	21036P108	667,443	2,456	SH		SOLE		341	0	2,115
Constellation Energy Corp	COM	21037T109	294,651	1,594	SH		SOLE		1,518	0	76
Copart Inc	COM	217204106	9,962	172	SH		SOLE		172	0	0
Corteva Inc	COM	22052L104	376,354	6,526	SH		SOLE		263	0	6,263
Costco Wholesale Corp	COM	22160K105	2,107,044	2,876	SH		SOLE		2,587	0	289
Crowdstrike Holdings Inc	CL A	22788C105	48,730	152	SH		SOLE		152	0	0
Crown Castle Inc	COM	22822V101	179,911	1,700	SH		DFND		1,700	0	0
Crown Castle Inc	COM	22822V101	67,096	634	SH		SOLE		589	0	45
DEERE & CO	COM	244199105	665,399	1,620	SH		SOLE		1,137	0	483
DIAGEO	SPON ADR NEW	25243Q205	178,488	1,200	SH		DFND		1,200	0	0
DIAGEO	SPON ADR NEW	25243Q205	481,323	3,236	SH		SOLE		300	0	2,936
DISCOVER FINL SVCS	COM	254709108	26,087	199	SH		SOLE		199	0	0
DOMINION RES(VIR)	COM	25746U109	49,190	1,000	SH		DFND		1,000	0	0
DOMINION RES(VIR)	COM	25746U109	156,719	3,186	SH		SOLE		2,902	0	284
DR HORTON INC	COM	23331A109	23,366	142	SH		SOLE		142	0	0
DUKE ENERGY CORP	COM NEW	26441C204	106,381	1,100	SH		DFND		1,100	0	0
DUKE ENERGY CORP	COM NEW	26441C204	491,577	5,083	SH		SOLE		4,881	0	202
Danaher Corp	COM	235851102	569,112	2,279	SH		SOLE		2,279	0	0
Darden Restaurants Inc	COM	237194105	224,817	1,345	SH		SOLE		1,345	0	0
Darling Ingredients Inc	COM	237266101	11,581	249	SH		SOLE		249	0	0
Dell Technologies Inc	CL C	24703L202	11,982	105	SH		SOLE		105	0	0
Delta Air Lines Inc	COM NEW	247361702	510,486	10,664	SH		SOLE		1,432	0	9,232
Devon Energy Corp	COM	25179M103	43,807	873	SH		SOLE		873	0	0
Dexcom Inc	COM	252131107	7,767	56	SH		SOLE		56	0	0
Diamondback Energy Inc	COM	25278X109	6,738	34	SH		SOLE		34	0	0
Digital Realty Trust Inc	COM	253868103	12,820	89	SH		SOLE		89	0	0
DocuSign Inc	COM	256163106	25,011	420	SH		SOLE		419	0	1
Dolby Laboratories Inc	COM CL A	25659T107	33,508	400	SH		SOLE		400	0	0
Dollar General Corp	COM	256677105	26,374	169	SH		SOLE		169	0	0
Dollar Tree Inc	COM	256746108	12,117	91	SH		SOLE		91	0	0
Dover Corp	COM	260003108	36,147	204	SH		SOLE		204	0	0
Dow Inc	COM	260557103	10,775	186	SH		SOLE		186	0	0
DuPont de Nemours Inc	COM	26614N102	26,144	341	SH		SOLE		341	0	0
EBAY INC	COM	278642103	258,041	4,889	SH		SOLE		4,889	0	0
ECOLAB INC	COM	278865100	10,852	47	SH		SOLE		47	0	0
EDISON INTERNATIONAL	COM	281020107	13,085	185	SH		SOLE		185	0	0
ELECTRONIC ARTS	COM	285512109	53,068	400	SH		SOLE		285	0	115
EMERSON ELECTRIC	COM	291011104	190,092	1,676	SH		SOLE		1,676	0	0
ENBRIDGE INC	COM	29250N105	105,971	2,929	SH		SOLE		2,443	0	486
ENI	SPONSORED ADR	26874R108	31,720	1,000	SH		SOLE		1,000	0	0
EOG Resources Inc	COM	26875P101	99,076	775	SH		SOLE		775	0	0
EQUINIX INC	COM	29444U700	207,158	251	SH		SOLE		98	0	153
ERICSSON(LM)TEL	ADR B SEK 10	294821608	41,468	7,526	SH		SOLE		0	0	7,526
ESTEE LAUDER COS	CL A	518439104	120,237	780	SH		SOLE		780	0	0
EXELON CORP	COM	30161N101	170,530	4,539	SH		SOLE		4,309	0	230
Eaton Corp PLC	SHS	G29183103	1,274,796	4,077	SH		SOLE		3,398	0	679
Edwards Lifesciences Corp	COM	28176E108	82,182	860	SH		SOLE		860	0	0
Elevance Health Inc	COM	036752103	356,237	687	SH		SOLE		687	0	0
Eli Lilly & Co	COM	532457108	1,166,940	1,500	SH		DFND		1,500	0	0
Eli Lilly & Co	COM	532457108	3,348,340	4,304	SH		SOLE		2,898	0	1,406
Energy Transfer LP	COM UT LTD PTN	29273V100	2,706	172	SH		SOLE		172	0	0
Entergy Corp	COM	29364G103	10,885	103	SH		SOLE		0	0	103
Equity Residential	SH BEN INT	29476L107	9,908	157	SH		SOLE		157	0	0
Everest Group Ltd	COM	G3223R108	172,118	433	SH		SOLE		0	0	433
Exact Sciences Corp	COM	30063P105	691	10	SH		SOLE		10	0	0
Exxon Mobil Corp	COM	30231G102	4,882,080	42,000	SH		DFND		42,000	0	0
Exxon Mobil Corp	COM	30231G102	2,115,684	18,201	SH		SOLE		18,201	0	0
FEDEX CORP	COM	31428X106	99,381	343	SH		SOLE		343	0	0
FERRARI NV	COM	N3167Y103	37,055	85	SH		SOLE		85	0	0
FIRST SOLAR INC	COM	336433107	22,282	132	SH		SOLE		132	0	0
FISERV INC	COM	337738108	21,416	134	SH		SOLE		134	0	0
FMC Corp	COM NEW	302491303	1,529	24	SH		SOLE		24	0	0
FORD MOTOR CO	COM	345370860	2,523	190	SH		SOLE		190	0	0
FREEPORT-MCMOR C&G	CL B	35671D857	257,529	5,477	SH		SOLE		5,477	0	0
Fair Isaac Corp	COM	303250104	199,938	160	SH		SOLE		160	0	0
Fastenal Co	COM	311900104	58,009	752	SH		SOLE		752	0	0
Ferguson PLC	SHS	G3421J106	12,451	57	SH		SOLE		57	0	0
Fidelity ETFs/USA	TOTAL BD ETF	316188309	134,389	2,966	SH		SOLE		2,966	0	0
Fidelity National Financial In	FNF GROUP COM	31620R303	53,100	1,000	SH		SOLE		1,000	0	0
Fidelity National Information	COM	31620M106	2,745	37	SH		SOLE		37	0	0
Figs Inc	CL A	30260D103	4,980	1,000	SH		SOLE		1,000	0	0
First Trust ETFs/USA	CAP STRENGTH ETF	33733E104	334,035	3,900	SH		SOLE		0	0	3,900
First Trust ETFs/USA	FST LOW OPPT EFT	33739Q200	65,331	1,354	SH		DFND		1,354	0	0
First Trust ETFs/USA	FST LOW OPPT EFT	33739Q200	5,989,176	124,128	SH		SOLE		122,257	0	1,871
FlexShares ETFs/USA	HIG YLD VL ETF	33939L662	23,392	569	SH		SOLE		569	0	0
FlexShares ETFs/USA	STOXX GLOBR INF	33939L795	17,086	313	SH		SOLE		313	0	0
Fortinet Inc	COM	34959E109	29,578	433	SH		SOLE		433	0	0
Fortive Corp	COM	34959J108	4,301	50	SH		SOLE		50	0	0
GARTNER INC	COM	366651107	1,491,500	3,129	SH		SOLE		567	0	2,562
GE HealthCare Technologies Inc	COMMON STOCK	36266G107	4,727	52	SH		SOLE		52	0	0
GEN DYNAMICS CORP	COM	369550108	93,222	330	SH		SOLE		330	0	0
GENERAL MILLS INC	COM	370334104	244,895	3,500	SH		DFND		3,500	0	0
GENERAL MILLS INC	COM	370334104	66,262	947	SH		SOLE		947	0	0
GOLDMAN SACHS GRP	COM	38141G104	801,547	1,919	SH		SOLE		561	0	1,358
GSK PLC	SPONSORED ADR	37733W204	164,621	3,840	SH		DFND		3,840	0	0
GSK PLC	SPONSORED ADR	37733W204	106,489	2,484	SH		SOLE		2,484	0	0
General Electric Co	COM NEW	369604301	575,563	3,279	SH		SOLE		3,279	0	0
General Motors Co	COM	37045V100	19,047	420	SH		SOLE		420	0	0
Genesco Inc	COM	371532102	28,140	1,000	SH		SOLE		1,000	0	0
Genuine Parts Co	COM	372460105	57,944	374	SH		SOLE		374	0	0
Gilead Sciences Inc	COM	375558103	233,668	3,190	SH		SOLE		2,937	0	253
Global Payments Inc	COM	37940X102	1,470	11	SH		SOLE		11	0	0
Goldman Sachs Asset Management LP	UNIT	38150K103	3,233	147	SH		SOLE		147	0	0
GraniteShares ETF Trust	SHS BEN INT	38748T103	2,095	237	SH		SOLE		237	0	0
HALLIBURTON	COM	406216101	17,108	434	SH		SOLE		434	0	0
HCA Healthcare Inc	COM	40412C101	242,810	728	SH		SOLE		728	0	0
HDFC BANK	SPONSORED ADS	40415F101	122,742	2,193	SH		SOLE		910	0	1,283
HERSHEY CO (THE)	COM	427866108	3,307	17	SH		SOLE		17	0	0
HONDA MOTOR CO	ADR ECH CNV IN 3	438128308	80,156	2,153	SH		SOLE		0	0	2,153
HSBC HLDGS	SPON ADR NEW	404280406	84,545	2,148	SH		SOLE		0	0	2,148
HUBSPOT INC	COM	443573100	10,652	17	SH		SOLE		17	0	0
HUMANA INC	COM	444859102	60,676	175	SH		SOLE		175	0	0
Haleon PLC	SPON ADS	405552100	22,923	2,700	SH		SOLE		2,700	0	0
Hartford Financial Services Gr	COM	416515104	56,471	548	SH		SOLE		548	0	0
Henry Schein Inc	COM	806407102	4,078	54	SH		SOLE		54	0	0
Hess Corp	COM	42809H107	125,165	820	SH		SOLE		820	0	0
Hewlett Packard Enterprise Co	COM	42824C109	9,468	534	SH		SOLE		534	0	0
Home Depot Inc/The	COM	437076102	15,344	40	SH		DFND		40	0	0
Home Depot Inc/The	COM	437076102	3,106,776	8,099	SH		SOLE		7,796	0	303
Honeywell International Inc	COM	438516106	225,775	1,100	SH		DFND		1,100	0	0
Honeywell International Inc	COM	438516106	699,082	3,406	SH		SOLE		3,406	0	0
Hubbell Inc	COM	443510607	103,763	250	SH		SOLE		250	0	0
Huntington Bancshares Inc/OH	COM	446150104	27,900	2,000	SH		DFND		2,000	0	0
Huntington Bancshares Inc/OH	COM	446150104	30,174	2,163	SH		SOLE		1,210	0	953
ICICI BANK	ADR	45104G104	163,584	6,194	SH		SOLE		0	0	6,194
ICON PLC	SHS	G4705A100	221,391	659	SH		SOLE		51	0	608
IDEXX Laboratories Inc	COM	45168D104	13,498	25	SH		SOLE		25	0	0
ILLINOIS TOOL WKS	COM	452308109	749,446	2,793	SH		SOLE		2,263	0	530
INTERCONTINENTAL EXCHANGE	COM	45866F104	766,859	5,580	SH		SOLE		2,637	0	2,943
INTL BUSINESS MCHN	COM	459200101	1,418,833	7,430	SH		SOLE		7,430	0	0
ISHARES	SELECT DIVID ETF	464287168	15,521	126	SH		SOLE		126	0	0
ISHARES	CORE S&P500 ETF	464287200	34,698	66	SH		DFND		66	0	0
ISHARES	CORE S&P500 ETF	464287200	16,778,147	31,914	SH		SOLE		27,122	0	4,792
ISHARES	S&P 500 GRWT ETF	464287309	234,828	2,781	SH		SOLE		2,781	0	0
ISHARES	GLOB HLTHCRE ETF	464287325	19,748	212	SH		SOLE		212	0	0
ISHARES	S&P 500 VAL ETF	464287408	240,985	1,290	SH		SOLE		1,290	0	0
ISHARES	RUS 2000 VAL ETF	464287630	160,716	1,012	SH		SOLE		1,012	0	0
ISHARES	RUSSELL 2000 ETF	464287655	1,723,198	8,194	SH		SOLE		8,194	0	0
ISHARES	U.S. ENERGY ETF	464287796	551,205	11,158	SH		SOLE		11,158	0	0
ISHARES	SP SMCP600VL ETF	464287879	92,484	900	SH		SOLE		900	0	0
ISHARES	ISHARES	46428Q109	3,026	133	SH		SOLE		133	0	0
ISHARES	CORE MSCI EAFE	46432F842	13,539,584	182,425	SH		SOLE		138,104	0	44,321
ISHARES GOLD TRUST	ISHARES NEW	464285204	540,585	12,868	SH		SOLE		12,868	0	0
ISHARES TR	MSCI EMG MKT ETF	464287234	2,002,280	48,741	SH		SOLE		48,741	0	0
ISHARES TRUST	1 3 YR TREAS BD	464287457	98,136	1,200	SH		SOLE		1,200	0	0
ISHARES TRUST	RUS 1000 VAL ETF	464287598	2,231,173	12,457	SH		SOLE		12,457	0	0
ISHARES TRUST	IBOXX HI YD ETF	464288513	18,966	244	SH		SOLE		244	0	0
ISHARES/USA	RUS 1000 GRW ETF	464287614	7,200,736	21,364	SH		SOLE		21,364	0	0
ISHARES/USA	S&P SML 600 GWT	464287887	628,942	4,811	SH		SOLE		4,811	0	0
ISHARES/USA	NATIONAL MUN ETF	464288414	3,790,425	35,227	SH		SOLE		34,721	0	506
Illumina Inc	COM	452327109	56,164	409	SH		SOLE		279	0	130
Ingersoll Rand Inc	COM	45687V106	253,706	2,672	SH		SOLE		1,636	0	1,036
Intel Corp	COM	458140100	309,853	7,015	SH		SOLE		7,015	0	0
International Seaways Inc	COM	Y41053102	5,320	100	SH		SOLE		100	0	0
Intuit Inc	COM	461202103	943,150	1,451	SH		SOLE		1,451	0	0
Intuitive Surgical Inc	COM NEW	46120E602	263,798	661	SH		SOLE		661	0	0
Invesco ETFs/USA	UNIT SER 1	46090E103	297,043	669	SH		SOLE		669	0	0
Invesco ETFs/USA	S&P500 EQL WGT	46137V357	345,684	2,041	SH		SOLE		2,041	0	0
Itau Unibanco Holding SA	SPON ADR REP PFD	465562106	95,308	13,753	SH		SOLE		0	0	13,753
JPMorgan Chase & Co	COM	46625H100	1,301,950	6,500	SH		DFND		6,500	0	0
JPMorgan Chase & Co	COM	46625H100	4,035,644	20,148	SH		SOLE		16,553	0	3,595
JUNIPER NETWORKS	COM	48203R104	34,873	941	SH		SOLE		941	0	0
Jacobs Solutions Inc	COM	46982L108	47,810	311	SH		SOLE		311	0	0
Johnson & Johnson	COM	478160104	395,475	2,500	SH		DFND		2,500	0	0
Johnson & Johnson	COM	478160104	3,109,383	19,656	SH		SOLE		16,056	0	3,600
Johnson Controls International	SHS	G51502105	143,181	2,192	SH		SOLE		2,192	0	0
KIMBERLY-CLARK CP	COM	494368103	258,700	2,000	SH		DFND		2,000	0	0
KIMBERLY-CLARK CP	COM	494368103	283,665	2,193	SH		SOLE		2,085	0	108
KKR & Co Inc	COM	48251W104	8,449	84	SH		SOLE		84	0	0
KLA Corp	COM NEW	482480100	410,061	587	SH		SOLE		587	0	0
KROGER	COM	501044101	785,709	13,753	SH		SOLE		13,753	0	0
Kartoon Studios Inc	COM NEW	37229T509	137	100	SH		SOLE		100	0	0
Kenvue Inc	COM	49177J102	9,399	438	SH		SOLE		0	0	438
KeyCorp	COM	493267108	12,142	768	SH		SOLE		768	0	0
Kingdom of Norway Ministry of	SPONSORED ADR	29446M102	100,741	3,727	SH		SOLE		0	0	3,727
Kronos I UK Ltd	SPONSORED ADR	042068205	12,499	100	SH		SOLE		100	0	0
Kyndryl Holdings Inc	COMMON STOCK	50155Q100	17,408	800	SH		SOLE		800	0	0
L3Harris Technologies Inc	COM	502431109	69,897	328	SH		SOLE		328	0	0
LENNAR CORP	CL A	526057104	719,736	4,185	SH		SOLE		235	0	3,950
LOWE'S COS INC	COM	548661107	650,580	2,554	SH		SOLE		2,044	0	510
LULULEMON ATHLETIC	COM	550021109	39,065	100	SH		DFND		100	0	0
LULULEMON ATHLETIC	COM	550021109	24,220	62	SH		SOLE		62	0	0
Laboratory Corp of America Hol	COM NEW	50540R409	544,402	2,492	SH		SOLE		226	0	2,266
Lam Research Corp	COM	512807108	564,482	581	SH		SOLE		403	0	178
Lennar Corp	CL B	526057302	12,180	79	SH		SOLE		0	0	79
Lincoln Electric Holdings Inc	COM	533900106	122,867	481	SH		SOLE		481	0	0
Linde PLC	SHS	G54950103	163,905	353	SH		SOLE		353	0	0
Littelfuse Inc	COM	537008104	48,470	200	SH		SOLE		200	0	0
Lockheed Martin Corp	COM	539830109	18,195	40	SH		DFND		40	0	0
Lockheed Martin Corp	COM	539830109	374,358	823	SH		SOLE		823	0	0
Lumentum Holdings Inc	COM	55024U109	2,131	45	SH		SOLE		45	0	0
LyondellBasell Industries NV	SHS - A -	N53745100	52,981	518	SH		SOLE		339	0	179
M&T Bank Corp	COM	55261F104	9,744	67	SH		SOLE		67	0	0
MARATHON OIL CORP	COM	565849106	17,032	601	SH		SOLE		601	0	0
MARSH & MCLENNAN	COM	571748102	212,983	1,034	SH		SOLE		1,034	0	0
MASTERCARD INC	CL A	57636Q104	4,006,181	8,319	SH		SOLE		1,913	0	6,406
MCDONALD'S CORP	COM	580135101	288,999	1,025	SH		DFND		1,025	0	0
MCDONALD'S CORP	COM	580135101	640,872	2,273	SH		SOLE		1,800	0	473
MCKESSON CORP	COM	58155Q103	362,374	675	SH		SOLE		675	0	0
MGM MIRAGE INC	COM	552953101	143,046	3,030	SH		SOLE		300	0	2,730
MICROSOFT CORP	COM	594918104	252,432	600	SH		DFND		600	0	0
MICROSOFT CORP	COM	594918104	14,427,330	34,292	SH		SOLE		20,002	0	14,290
MOODYS CORP	COM	615369105	132,844	338	SH		SOLE		338	0	0
MORGAN STANLEY	COM NEW	617446448	595,185	6,321	SH		SOLE		6,321	0	0
MOTOROLA INC	COM NEW	620076307	516,141	1,454	SH		SOLE		1,454	0	0
MSCI Inc	COM	55354G100	36,429	65	SH		SOLE		65	0	0
Magna International Inc	COM	559222401	52,846	970	SH		SOLE		0	0	970
Marathon Petroleum Corp	COM UNIT REP LTD	55336V100	2,078	50	SH		SOLE		50	0	0
Marathon Petroleum Corp	COM	56585A102	385,873	1,915	SH		SOLE		1,915	0	0
Marriott International Inc/MD	CL A	571903202	319,677	1,267	SH		SOLE		1,267	0	0
Marvell Technology Inc	COM	573874104	571,860	8,068	SH		SOLE		295	0	7,773
Masterbrand Inc	COMMON STOCK	57638P104	187	10	SH		SOLE		10	0	0
Medtronic PLC	SHS	G5960L103	757,856	8,696	SH		SOLE		2,261	0	6,435
MercadoLibre Inc	COM	58733R102	15,120	10	SH		SOLE		10	0	0
Merck & Co Inc	COM	58933Y105	395,850	3,000	SH		DFND		3,000	0	0
Merck & Co Inc	COM	58933Y105	1,444,193	10,945	SH		SOLE		9,565	0	1,380
MetLife Inc	COM	59156R108	677,514	9,142	SH		SOLE		9,142	0	0
Meta Platforms Inc	CL A	30303M102	1,907,358	3,928	SH		SOLE		3,884	0	44
Microchip Technology Inc	COM	595017104	54,454	607	SH		SOLE		607	0	0
Micron Technology Inc	COM	595112103	971,178	8,238	SH		SOLE		5,688	0	2,550
Mondelez International Inc	CL A	609207105	680,960	9,728	SH		SOLE		7,538	0	2,190
MongoDB Inc	CL A	60937P106	6,456	18	SH		SOLE		18	0	0
Monster Beverage Corp	COM	61174X109	238,187	4,018	SH		SOLE		4,018	0	0
Morningstar Inc	COM	617700109	30,837	100	SH		SOLE		100	0	0
Murphy Oil Corp	COM	626717102	10,191	223	SH		SOLE		223	0	0
NETFLIX INC	COM	64110L106	3,588,713	5,909	SH		SOLE		666	0	5,243
NEXTERA ENERGY	COM	65339F101	255,640	4,000	SH		DFND		4,000	0	0
NEXTERA ENERGY	COM	65339F101	941,139	14,726	SH		SOLE		12,634	0	2,092
NIKE INC	CL B	654106103	1,821,708	19,384	SH		SOLE		5,250	0	14,134
NORTHERN TRUST CORP	COM	665859104	27,032	304	SH		SOLE		304	0	0
NORTHROP GRUMMAN	COM	666807102	71,320	149	SH		SOLE		149	0	0
NRG Energy Inc	COM NEW	629377508	24,910	368	SH		SOLE		368	0	0
NVIDIA Corp	COM	67066G104	903,560	1,000	SH		DFND		1,000	0	0
NVIDIA Corp	COM	67066G104	9,536,172	10,554	SH		SOLE		10,554	0	0
NXP Semiconductors NV	COM	N6596X109	1,487	6	SH		SOLE		6	0	0
National Grid PLC	SPONSORED ADR NE	636274409	238,770	3,500	SH		DFND		3,500	0	0
National Grid PLC	SPONSORED ADR NE	636274409	98,987	1,451	SH		SOLE		1,178	0	273
Newmont Corp	COM	651639106	68,239	1,904	SH		SOLE		1,904	0	0
Nice Ltd	SPONSORED ADR	653656108	150,638	578	SH		SOLE		0	0	578
Nordson Corp	COM	655663102	55,732	203	SH		SOLE		203	0	0
Norfolk Southern Corp	COM	655844108	155,980	612	SH		SOLE		612	0	0
Novartis AG	SPONSORED ADR	66987V109	88,024	910	SH		SOLE		100	0	810
Novo Holdings A/S	ADR	670100205	1,387,105	10,803	SH		SOLE		782	0	10,021
Nucor Corp	COM	670346105	339,992	1,718	SH		SOLE		1,718	0	0
O'Reilly Automotive Inc	COM	67103H107	102,728	91	SH		SOLE		91	0	0
OMNICOM GROUP INC	COM	681919106	3,290	34	SH		SOLE		34	0	0
ON Semiconductor Corp	COM	682189105	7,355	100	SH		SOLE		100	0	0
ONEOK Inc	COM	682680103	10,582	132	SH		SOLE		132	0	0
OPKO Health Inc	COM	68375N103	2,400	2,000	SH		SOLE		2,000	0	0
ORACLE CORP	COM	68389X105	673,144	5,359	SH		SOLE		5,359	0	0
Occidental Petroleum Corp	COM	674599105	18,132	279	SH		SOLE		215	0	64
Old Dominion Freight Line Inc	COM	679580100	12,281	56	SH		SOLE		56	0	0
On Holding AG	NAMEN AKT A	H5919C104	59,155	1,672	SH		SOLE		1,672	0	0
Organon & Co	COMMON STOCK	68622V106	5,640	300	SH		DFND		300	0	0
Organon & Co	COMMON STOCK	68622V106	3,647	194	SH		SOLE		194	0	0
Otis Worldwide Corp	COM	68902V107	37,226	375	SH		DFND		375	0	0
Otis Worldwide Corp	COM	68902V107	145,728	1,468	SH		SOLE		1,468	0	0
Owens Corning	COM	690742101	195,156	1,170	SH		SOLE		1,170	0	0
PACCAR INC	COM	693718108	44,972	363	SH		SOLE		363	0	0
PARKER-HANNIFIN	COM	701094104	61,693	111	SH		SOLE		111	0	0
PEPSICO INC	COM	713448108	175,010	1,000	SH		DFND		1,000	0	0
PEPSICO INC	COM	713448108	1,090,837	6,233	SH		SOLE		5,760	0	473
PHILIP MORRIS INTL	COM	718172109	265,698	2,900	SH		DFND		2,900	0	0
PHILIP MORRIS INTL	COM	718172109	586,734	6,404	SH		SOLE		4,820	0	1,584
PIONEER NATURAL RESOURCE	COM	723787107	128,363	489	SH		SOLE		489	0	0
PNC Financial Services Group I	COM	693475105	502,091	3,107	SH		SOLE		449	0	2,658
PPG Industries Inc	COM	693506107	556,851	3,843	SH		SOLE		127	0	3,716
PPL CORP	COM	69351T106	34,413	1,250	SH		DFND		1,250	0	0
PPL CORP	COM	69351T106	38,404	1,395	SH		SOLE		1,136	0	259
PROGRESSIVE CP(OH)	COM	743315103	218,402	1,056	SH		SOLE		1,056	0	0
PRUDENTIAL FINL	COM	744320102	51,656	440	SH		SOLE		440	0	0
PULTE HOMES INC	COM	745867101	50,781	421	SH		SOLE		421	0	0
Palantir Technologies Inc	CL A	69608A108	23,010	1,000	SH		SOLE		1,000	0	0
Palo Alto Networks Inc	COM	697435105	140,360	494	SH		SOLE		494	0	0
Pangaea Logistics Solutions Lt	SHS	G6891L105	6,970	1,000	SH		SOLE		1,000	0	0
PayPal Holdings Inc	COM	70450Y103	104,370	1,558	SH		SOLE		1,558	0	0
Paychex Inc	COM	704326107	47,278	385	SH		SOLE		344	0	41
Penske Automotive Group Inc	COM	70959W103	8,100	50	SH		SOLE		50	0	0
Pfizer Inc	COM	717081103	876,595	31,589	SH		SOLE		29,144	0	2,445
Phillips 66	COM	718546104	192,088	1,176	SH		SOLE		1,176	0	0
Phinia Inc	COMMON STOCK	71880K101	1,960	51	SH		SOLE		11	0	40
Pimco ETFs/USA	ENHAN SHRT MA AC	72201R833	205,705	2,046	SH		SOLE		2,046	0	0
ProShare Advisors LLC	S&P 500 DV ARIST	74348A467	22,310	220	SH		SOLE		220	0	0
Procter & Gamble Co/The	COM	742718109	324,500	2,000	SH		DFND		2,000	0	0
Procter & Gamble Co/The	COM	742718109	2,018,066	12,438	SH		SOLE		11,742	0	696
Prologis Inc	COM	74340W103	141,289	1,085	SH		SOLE		1,085	0	0
Prudential PLC	ADR	74435K204	35,669	1,851	SH		SOLE		0	0	1,851
Public Service Enterprise Grou	COM	744573106	200,073	2,996	SH		SOLE		2,996	0	0
Public Storage	COM	74460D109	145,030	500	SH		DFND		500	0	0
QUALCOMM Inc	COM	747525103	484,029	2,859	SH		SOLE		2,859	0	0
Quanta Services Inc	COM	74762E102	41,048	158	SH		SOLE		158	0	0
REALTY INCOME CORP	COM	756109104	40,575	750	SH		DFND		750	0	0
REALTY INCOME CORP	COM	756109104	38,790	717	SH		SOLE		608	0	109
REGENERON PHARMACEUTICALS	COM	75886F107	25,987	27	SH		SOLE		27	0	0
RELX PLC	SPONSORED ADR	759530108	151,731	3,505	SH		SOLE		0	0	3,505
RESTAURANT BRANDS INTERNATIONA	COM	76131D103	99,154	1,248	SH		SOLE		0	0	1,248
ROCKWELL AUTOMATION	COM	773903109	411,067	1,411	SH		SOLE		71	0	1,340
ROPER INDUSTRIES INC	COM	776696106	17,947	32	SH		SOLE		32	0	0
ROYAL CARIBBEAN	COM	V7780T103	70,617	508	SH		SOLE		508	0	0
RTX Corp	COM	75513E101	73,148	750	SH		DFND		750	0	0
RTX Corp	COM	75513E101	1,159,242	11,886	SH		SOLE		5,284	0	6,602
Regions Financial Corp	COM	7591EP100	12,708	604	SH		SOLE		604	0	0
Reliance Inc	COM	759509102	324,155	970	SH		SOLE		970	0	0
Republic Services Inc	COM	760759100	11,104	58	SH		SOLE		58	0	0
Rio Tinto PLC	SPONSORED ADR	767204100	70,369	1,104	SH		SOLE		0	0	1,104
Rogers Communications Inc	CL B	775109200	42,025	1,025	SH		SOLE		0	0	1,025
Ross Stores Inc	COM	778296103	25,683	175	SH		SOLE		175	0	0
Ryder System Inc	COM	783549108	6,010	50	SH		SOLE		50	0	0
S&P Global Inc	COM	78409V104	287,179	675	SH		SOLE		431	0	244
SALESFORCE.COM INC	COM	79466L302	3,896,667	12,938	SH		SOLE		3,045	0	9,893
SAP SE	SPON ADR	803054204	98,880	507	SH		SOLE		507	0	0
SELECT SECTOR SPDR	SBI HEALTHCARE	81369Y209	101,638	688	SH		SOLE		688	0	0
SELECT SECTOR SPDR	ENERGY	81369Y506	3,735,048	39,562	SH		SOLE		8,968	0	30,594
SELECT SECTOR SPDR	FINANCIAL	81369Y605	212,538	5,046	SH		SOLE		5,046	0	0
SELECT SECTOR SPDR	TECHNOLOGY	81369Y803	145,789	700	SH		SOLE		700	0	0
SEMPRA ENERGY	COM	816851109	628,513	8,750	SH		SOLE		869	0	7,881
SIMON PROP GROUP	COM	828806109	3,756	24	SH		SOLE		24	0	0
SOUTHWEST AIRLINES	COM	844741108	64,860	2,222	SH		SOLE		2,222	0	0
SPDR DOW JONES IND	UT SER 1	78467X109	53,698	135	SH		SOLE		135	0	0
SPDR SER TR	PORTFOLIO S&P600	78468R853	571,657	13,282	SH		SOLE		13,282	0	0
SPDR SERIES TRUST	DJ REIT ETF	78464A607	94,533	1,003	SH		SOLE		1,003	0	0
SPDR SERIES TRUST	NUVEEN BLMBRG MU	78468R721	33,884	729	SH		SOLE		729	0	0
SSGA FUNDS MANAGEMENT INC	GLB NAT RESRCE	78463X541	28,096	485	SH		SOLE		485	0	0
SSGA FUNDS MANAGEMENT INC	PORTFOLIO DEVLPD	78463X889	85,478	2,385	SH		SOLE		2,385	0	0
SSGA Funds Management Inc	S&P DIVID ETF	78464A763	76,382	582	SH		SOLE		582	0	0
STARBUCKS CORP	COM	855244109	105,555	1,155	SH		SOLE		1,155	0	0
STATE STREET ETF/USA	UTSER1 S&PDCRP	78467Y107	8,303,157	14,923	SH		SOLE		14,834	0	89
SYNCHRONY FINANCIAL	COM	87165B103	29,968	695	SH		SOLE		375	0	320
Sanofi SA	SPONSORED ADR	80105N105	243,000	5,000	SH		DFND		5,000	0	0
Sanofi SA	SPONSORED ADR	80105N105	28,237	581	SH		SOLE		388	0	193
Schlumberger NV	COM STK	806857108	75,364	1,375	SH		SOLE		1,375	0	0
Schwab ETFs/USA	US REIT ETF	808524847	233,552	11,505	SH		SOLE		4,768	0	6,737
Sea Ltd	SPONSORD ADS	81141R100	5,102	95	SH		SOLE		95	0	0
Seagate Technology Holdings PL	ORD SHS	G7997R103	59,552	640	SH		SOLE		640	0	0
ServiceNow Inc	COM	81762P102	3,073,234	4,031	SH		SOLE		533	0	3,498
Shell PLC	SPON ADS	780259305	227,668	3,396	SH		SOLE		1,638	0	1,758
Sherwin-Williams Co/The	COM	824348106	58,699	169	SH		SOLE		169	0	0
Skyworks Solutions Inc	COM	83088M102	2,491	23	SH		SOLE		23	0	0
Smith & Nephew PLC	SPDN ADR NEW	83175M205	53,915	2,126	SH		SOLE		0	0	2,126
Snowflake Inc	CL A	833445109	7,434	46	SH		SOLE		46	0	0
Sony Group Corp	SPONSORED ADR	835699307	116,521	1,359	SH		SOLE		500	0	859
Southern Co/The	COM	842587107	286,960	4,000	SH		DFND		4,000	0	0
Southern Co/The	COM	842587107	296,214	4,129	SH		SOLE		3,919	0	210
Starwood Property Trust Inc	COM	85571B105	35,171	1,730	SH		SOLE		1,730	0	0
State Street Corp	COM	857477103	11,598	150	SH		SOLE		150	0	0
State Street ETF/USA	TR UNIT	78462F103	9,510,459	18,182	SH		SOLE		11,547	0	6,635
State Street ETF/USA	SPDR MSCI USA GE	78468R747	199,652	1,886	SH		SOLE		1,886	0	0
Steel Dynamics Inc	COM	858119100	13,934	94	SH		SOLE		94	0	0
Stryker Corp	COM	863667101	27,556	77	SH		SOLE		77	0	0
Synopsys Inc	COM	871607107	12,573	22	SH		SOLE		22	0	0
Sysco Corp	COM	871829107	414,992	5,112	SH		SOLE		707	0	4,405
T-MOBILE US INC	COM	872590104	150,815	924	SH		SOLE		924	0	0
TC Energy Corp	COM	87807B107	28,582	711	SH		SOLE		386	0	325
TE Connectivity Ltd	SHS	H84989104	610,734	4,205	SH		SOLE		636	0	3,569
TEXAS INSTRUMENTS	COM	882508104	1,548,901	8,891	SH		SOLE		5,186	0	3,705
TJX Cos Inc/The	COM	872540109	769,372	7,586	SH		SOLE		4,009	0	3,577
TORONTO-DOMINION	COM NEW	891160509	136,519	2,261	SH		SOLE		2,261	0	0
TRACTOR SUPPLY CO	COM	892356106	7,066	27	SH		SOLE		27	0	0
TRAVEL PLUS LEISURE CO	COM	894164102	4,896	100	SH		SOLE		100	0	0
TRAVELERS CO INC	COM	89417E109	336,004	1,460	SH		SOLE		1,460	0	0
TSMC	SPONSORED ADS	874039100	512,364	3,766	SH		SOLE		909	0	2,857
Targa Resources Corp	COM	87612G101	50,396	450	SH		SOLE		450	0	0
Target Corp	COM	87612E106	185,362	1,046	SH		SOLE		1,046	0	0
Teradyne Inc	COM	880770102	56,415	500	SH		SOLE		500	0	0
Tesla Inc	COM	88160R101	606,651	3,451	SH		SOLE		3,451	0	0
Textron Inc	COM	883203101	18,610	194	SH		SOLE		194	0	0
Thermo Fisher Scientific Inc	COM	883556102	3,286,743	5,655	SH		SOLE		1,091	0	4,564
TotalEnergies SE	SPONSORED ADS	89151E109	211,721	3,076	SH		SOLE		2,738	0	338
Trade Desk Inc/The	COM CL A	88339J105	33,394	382	SH		SOLE		382	0	0
Tradeweb Markets Inc	CL A	892672106	15,313	147	SH		SOLE		147	0	0
Trane Technologies PLC	SHS	G8994E103	1,282,154	4,271	SH		SOLE		3,246	0	1,025
Truist Financial Corp	COM	89832Q109	132,259	3,393	SH		SOLE		3,079	0	314
Tyson Foods Inc	CL A	902494103	5,873	100	SH		SOLE		100	0	0
US Bancorp	COM NEW	902973304	67,810	1,517	SH		SOLE		1,179	0	338
UTD PARCEL SERV	CL B	911312106	185,788	1,250	SH		DFND		1,250	0	0
UTD PARCEL SERV	CL B	911312106	252,522	1,699	SH		SOLE		1,640	0	59
Uber Technologies Inc	COM	90353T100	342,759	4,452	SH		SOLE		535	0	3,917
Ulta Beauty Inc	COM	90384S303	74,249	142	SH		SOLE		142	0	0
Unilever PLC	SPON ADR NEW	904767704	50,190	1,000	SH		DFND		1,000	0	0
Unilever PLC	SPON ADR NEW	904767704	172,252	3,432	SH		SOLE		1,305	0	2,127
Union Pacific Corp	COM	907818108	711,967	2,895	SH		SOLE		860	0	2,035
UnitedHealth Group Inc	COM	91324P102	3,354,561	6,781	SH		SOLE		3,276	0	3,505
VANGUARD	S&P 500 ETF SHS	922908363	195,164	406	SH		DFND		406	0	0
VANGUARD	S&P 500 ETF SHS	922908363	62,062,696	129,109	SH		SOLE		52,262	0	76,847
VANGUARD ETF/USA	DIV APP ETF	921908844	661,596	3,623	SH		SOLE		0	0	3,623
VANGUARD ETF/USA	VG TL INTL STK F	921909768	33,044	548	SH		SOLE		548	0	0
VANGUARD ETF/USA	FTSE EMR MKT ETF	922042858	1,451,633	34,753	SH		SOLE		22,220	0	12,533
VANGUARD ETF/USA	INF TECH ETF	92204A702	262,170	500	SH		SOLE		500	0	0
VANGUARD ETF/USA	SHRT TRM CORP BD	92206C409	8,436,531	109,126	SH		SOLE		103,402	0	5,724
VANGUARD ETF/USA	SM CP VAL ETF	922908611	2,085,352	10,868	SH		SOLE		5,546	0	5,322
VANGUARD ETF/USA	TOTAL STK MKT	922908769	1,090,021	4,194	SH		SOLE		4,194	0	0
VANGUARD GROUP INC/THE	SHORT TERM TREAS	92206C102	904,208	15,571	SH		SOLE		15,571	0	0
VANGUARD WHITEHALL	HIGH DIV YLD	921946406	165,030	1,364	SH		DFND		1,364	0	0
VANGUARD WHITEHALL	HIGH DIV YLD	921946406	32,667	270	SH		SOLE		270	0	0
VERIZON COMMUN	COM	92343V104	272,740	6,500	SH		DFND		6,500	0	0
VERIZON COMMUN	COM	92343V104	160,623	3,828	SH		SOLE		3,306	0	522
VIATRIS INC	COM	92556V106	13,946	1,168	SH		SOLE		1,168	0	0
VISA INC	COM CL A	92826C839	4,667,055	16,723	SH		SOLE		5,048	0	11,675
Valero Energy Corp	COM	91913Y100	478,615	2,804	SH		SOLE		2,293	0	511
Vanguard ETF/USA	TOTAL BND MRKT	921937835	5,283,179	72,741	SH		SOLE		67,688	0	5,053
Vanguard ETF/USA	VAN FTSE DEV MKT	921943858	2,034,745	40,557	SH		SOLE		9,637	0	30,920
Vanguard ETF/USA	ALLWRLD EX US	922042775	99,705	1,700	SH		SOLE		1,700	0	0
Vanguard ETF/USA	ENERGY ETF	92204A306	3,782,951	28,724	SH		SOLE		7,858	0	20,866
Vanguard ETF/USA	TAX EXEMPT BD	922907746	12,222,126	241,544	SH		SOLE		236,536	0	5,008
Vanguard ETF/USA	MCAP VL IDXVIP	922908512	2,131,134	13,669	SH		SOLE		7,140	0	6,529
Vanguard ETF/USA	MCAP GR IDXVIP	922908538	188,632	800	SH		SOLE		800	0	0
Vanguard ETF/USA	REAL ESTATE ETF	922908553	445,372	5,150	SH		DFND		5,150	0	0
Vanguard ETF/USA	REAL ESTATE ETF	922908553	3,805,034	43,999	SH		SOLE		42,194	0	1,805
Vanguard ETF/USA	SML CP GRW ETF	922908595	32,851	126	SH		SOLE		126	0	0
Vanguard ETF/USA	MID CAP ETF	922908629	6,065,102	24,274	SH		SOLE		14,712	0	9,562
Vanguard ETF/USA	GROWTH ETF	922908736	54,728	159	SH		SOLE		159	0	0
Vanguard ETF/USA	VALUE ETF	922908744	9,021,304	55,393	SH		SOLE		31,309	0	24,084
Vanguard ETF/USA	SMALL CP ETF	922908751	5,562,738	24,335	SH		SOLE		13,765	0	10,570
Vanguard Group Inc/The	LARGE CAP ETF	922908637	87,752	366	SH		SOLE		366	0	0
Ventas Inc	COM	92276F100	19,593	450	SH		SOLE		450	0	0
Veralto Corp	COM SHS	92338C103	20,214	228	SH		SOLE		228	0	0
Verisk Analytics Inc	COM	92345Y106	21,451	91	SH		SOLE		91	0	0
Vertex Pharmaceuticals Inc	COM	92532F100	168,040	402	SH		SOLE		402	0	0
Virgin Galactic Holdings Inc	COM	92766K106	505	341	SH		SOLE		341	0	0
Vodafone Group PLC	SPONSORED ADR	92857W308	2,305	259	SH		SOLE		259	0	0
Vontier Corp	COM	928881101	726	16	SH		SOLE		16	0	0
Voya Financial Inc	COM	929089100	203,797	2,757	SH		SOLE		2,567	0	190
WASTE MANAGEMENT	COM	94106L109	214,216	1,005	SH		SOLE		1,005	0	0
WELLS FARGO & CO	COM	949746101	174,691	3,014	SH		SOLE		3,014	0	0
WELLS FARGO & COMPANY	PERP PFD CNV A	949746804	54,871	45	SH		SOLE		45	0	0
WELLTOWER INC COM	COM	95040Q104	70,080	750	SH		SOLE		750	0	0
Walgreens Boots Alliance Inc	COM	931427108	6,767	312	SH		SOLE		312	0	0
Walmart Inc	COM	931142103	1,108,873	18,429	SH		SOLE		18,429	0	0
Walt Disney Co/The	COM	254687106	746,029	6,097	SH		SOLE		6,097	0	0
Warner Bros Discovery Inc	COM SER A	934423104	3,571	409	SH		SOLE		409	0	0
Waste Connections Inc	COM	94106B101	63,472	369	SH		SOLE		369	0	0
Waters Corp	COM	941848103	407,224	1,183	SH		SOLE		29	0	1,154
Westinghouse Air Brake Technol	COM	929740108	8,012	55	SH		SOLE		55	0	0
Weyerhaeuser Co	COM NEW	962166104	8,942	249	SH		SOLE		249	0	0
Williams Cos Inc/The	COM	969457100	613,972	15,755	SH		SOLE		4,634	0	11,121
Woodside Energy Group Ltd	SPONSORED ADR	980228308	60,190	3,014	SH		SOLE		0	0	3,014
Workday Inc	CL A	98138H101	1,194,918	4,381	SH		SOLE		209	0	4,172
XP INC	CL A	G98239109	56,298	2,194	SH		SOLE		0	0	2,194
Xcel Energy Inc	COM	98389B100	6,665	124	SH		SOLE		0	0	124
Xylem Inc/NY	COM	98419M100	29,984	232	SH		SOLE		232	0	0
YETI Holdings Inc	COM	98585X104	34,695	900	SH		SOLE		900	0	0
YUM BRANDS INC	COM	988498101	371,998	2,683	SH		SOLE		1,803	0	880
Yelp Inc	CL A	985817105	20,606	523	SH		SOLE		523	0	0
Yum China Holdings Inc	COM	98850P109	91,796	2,307	SH		SOLE		0	0	2,307
Zoetis Inc	CL A	98978V103	1,418,149	8,381	SH		SOLE		1,766	0	6,615
iShares ETFs/USA	CORE S&P TTL STK	464287150	6,838,443	59,310	SH		SOLE		59,310	0	0
iShares ETFs/USA	CORE US AGGBD ET	464287226	4,204,564	42,930	SH		SOLE		40,946	0	1,984
iShares ETFs/USA	MSCI EAFE ETF	464287465	141,752	1,775	SH		DFND		1,775	0	0
iShares ETFs/USA	MSCI EAFE ETF	464287465	5,952,205	74,533	SH		SOLE		67,034	0	7,499
iShares ETFs/USA	RUS MDCP VAL ETF	464287473	350,673	2,798	SH		SOLE		2,798	0	0
iShares ETFs/USA	RUS MD CP GR ETF	464287481	256,358	2,246	SH		SOLE		2,246	0	0
iShares ETFs/USA	RUS MID CAP ETF	464287499	2,152,704	25,600	SH		SOLE		25,600	0	0
iShares ETFs/USA	CORE S&P MCP ETF	464287507	70,762	1,165	SH		DFND		1,165	0	0
iShares ETFs/USA	CORE S&P MCP ETF	464287507	42,121,186	693,467	SH		SOLE		549,230	0	144,237
iShares ETFs/USA	S&P MC 400GR ETF	464287606	134,320	1,472	SH		SOLE		1,472	0	0
iShares ETFs/USA	RUS 2000 GRW ETF	464287648	115,632	427	SH		SOLE		427	0	0
iShares ETFs/USA	RUSSELL 3000 ETF	464287689	154,541	515	SH		SOLE		515	0	0
iShares ETFs/USA	S&P MC 400VL ETF	464287705	154,368	1,305	SH		SOLE		1,305	0	0
iShares ETFs/USA	CORE S&P SCP ETF	464287804	333,770	3,020	SH		DFND		3,020	0	0
iShares ETFs/USA	CORE S&P SCP ETF	464287804	34,204,061	309,483	SH		SOLE		238,157	0	71,326
iShares ETFs/USA	MSCI ACWI EX US	464288240	26,962	505	SH		SOLE		505	0	0
iShares ETFs/USA	EAFE SML CP ETF	464288273	63,647	1,005	SH		SOLE		1,005	0	0
iShares ETFs/USA	ISHS 1-5YR INVS	464288646	477,263	9,307	SH		SOLE		9,307	0	0
iShares ETFs/USA	PFD AND INCM SEC	464288687	49,151	1,525	SH		SOLE		1,525	0	0
iShares ETFs/USA	MSCI USA ESG SLC	464288802	254,148	2,328	SH		SOLE		2,328	0	0
iShares ETFs/USA	US TREAS BD ETF	46429B267	57,676	2,533	SH		SOLE		2,533	0	0
iShares ETFs/USA	MSCI USA MIN VOL	46429B697	343,179	4,106	SH		SOLE		4,106	0	0
iShares ETFs/USA	GSCI CMDTY STGY	46431W853	104,760	3,880	SH		SOLE		3,880	0	0
iShares ETFs/USA	MRNGSTR INC ETF	46432F875	78,564	3,942	SH		DFND		3,942	0	0
iShares ETFs/USA	CORE MSCI EMKT	46434G103	28,586	554	SH		DFND		554	0	0
iShares ETFs/USA	CORE MSCI EMKT	46434G103	6,499,484	125,959	SH		SOLE		106,445	0	19,514
iShares ETFs/USA	MSCI EMRG CHN	46434G764	24,755	430	SH		SOLE		430	0	0
iShares ETFs/USA	IBONDS DEC25 ETF	46434VBD1	18,732	755	SH		SOLE		755	0	0
iShares ETFs/USA	IBONDS DEC2026	46435GAA0	20,273	850	SH		SOLE		850	0	0
iShares ETFs/USA	IBONDS 24 TRM HG	46435U184	2,098	90	SH		SOLE		90	0	0
iShares ETFs/USA	IBDS DEC28 ETF	46435U515	16,188	650	SH		SOLE		650	0	0
iShares ETFs/USA	BROAD USD HIGH	46435U853	4,092,152	111,838	SH		SOLE		104,409	0	7,429
iShares ETFs/USA	IBONDS DEC 2032	46436E296	11,720	517	SH		SOLE		517	0	0
iShares ETFs/USA	IBONDS DEC 2031	46436E486	9,733	475	SH		SOLE		475	0	0
iShares ETFs/USA	ESG SCRND S&P500	46436E569	155,637	3,863	SH		SOLE		3,863	0	0
iShares ETFs/USA	IBONDS 29 TRM TS	46436E825	24,188	1,125	SH		SOLE		1,125	0	0
iShares ETFs/USA	IBONDS 27 TRM TS	46436E841	28,808	1,300	SH		SOLE		1,300	0	0