United Community Bank 13F-HR Quarterly holdings report by institutional manager

The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE

OMB APPROVAL

OMB Number:		3235-0006
Expires:	Oct 31, 2018
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COLUMN 1	COLUMN 2	COLUMN 3	COLUMN 4	COLUMN 5			COLUMN 6	COLUMN 7	COLUMN 8
			VALUE	SHRS OR	SH/	PUT/	INVESTMENT	OTHER	VOTING AUTHORITY
NAME OF ISSUER	TITLE OF CLASS	CUSIP	(x$1000)	PRN AMT	PRN	CALL	DISCRETION	MANAGER	SOLE	SHARED	NONE
AGNICO EAGLE MINES LTD COM	NON US EQUITY	008474108	72,802	1,370	SH		DFND	1	1,370	0	0
BERKSHIRE HATHAWAY INC DEL CL B NEW COM	COMMON STOCK	084670702	14,053,598	47,002	SH		DFND	1	47,002	0	0
CERNER CORP	COMMON STOCK	156782104	79,868	860	SH		DFND	1	860	0	0
COMCAST CORP CL A (NEW)	COMMON STOCK	20030N101	44,290	880	SH		DFND	1	880	0	0
CISCO SYSTEMS INC	COMMON STOCK	17275R102	2,126,380	33,555	SH		DFND	1	33,555	0	0
CORTEVA INC COM	COMMON STOCK	22052L104	86,759	1,835	SH		DFND	1	1,835	0	0
DOMINION ENERGY INC COM	COMMON STOCK	25746U109	91,522	1,165	SH		DFND	1	1,165	0	0
DUPONT DE NEMOURS INC COM	COMMON STOCK	26614N102	129,167	1,599	SH		DFND	1	1,599	0	0
ENBRIDGE INC COM	NON US EQUITY	29250N105	2,558,958	65,480	SH		DFND	1	65,480	0	0
EOG RESOURCES INC	COMMON STOCK	26875P101	45,747	515	SH		DFND	1	515	0	0
EQUITY COMMONWEALTH	REAL ESTATE INVESTMENT TRUST	294628102	87,801	3,390	SH		DFND	1	3,390	0	0
GRAHAM HOLDINGS CO	COMMON STOCK	384637104	28,342	45	SH		DFND	1	45	0	0
BARRICK GOLD CORP	NON US EQUITY	067901108	81,890	4,310	SH		DFND	1	4,310	0	0
GUIDEWIRE SOFTWARE INC	COMMON STOCK	40171V100	41,438	365	SH		DFND	1	365	0	0
INGREDION INC	COMMON STOCK	457187102	78,762	815	SH		DFND	1	815	0	0
JONES LANG LASALLE INC	COMMON STOCK	48020Q107	37,977	141	SH		DFND	1	141	0	0
LOEWS CORP COM	COMMON STOCK	540424108	113,210	1,960	SH		DFND	1	1,960	0	0
MEDTRONIC PLC	NON US EQUITY	G5960L103	65,691	635	SH		DFND	1	635	0	0
PFIZER INC COM	COMMON STOCK	717081103	2,456,952	41,608	SH		DFND	1	41,608	0	0
STARBUCKS CORP	COMMON STOCK	855244109	202,007	1,727	SH		DFND	1	1,727	0	0
TJX COS INC NEW COM	COMMON STOCK	872540109	36,062	475	SH		DFND	1	475	0	0
THE TRAVELERS COMPANIES INC	COMMON STOCK	89417E109	128,273	820	SH		DFND	1	820	0	0
UNILEVER PLC SPON ADR NEW	ADR / IDR / GDR	904767704	95,477	1,775	SH		DFND	1	1,775	0	0
VIATRIS INC COM	COMMON STOCK	92556V106	46,313	3,423	SH		DFND	1	3,423	0	0
VERIZON COMMUNICATIONS INC COM	COMMON STOCK	92343V104	1,248,599	24,030	SH		DFND	1	24,030	0	0
ALLEGHANY CORP	COMMON STOCK	017175100	66,759	100	SH		DFND	1	100	0	0
KIRKLAND LAKE GOLD LTD COM	NON US EQUITY	49741E100	56,213	1,340	SH		DFND	1	1,340	0	0
AGILENT TECHNOLOGIES INC	COMMON STOCK	00846U101	45,820	287	SH		DFND	1	287	0	0
APPLE INC COM	COMMON STOCK	037833100	2,013,999	11,342	SH		DFND	1	11,342	0	0
ABBVIE INC COM	COMMON STOCK	00287Y109	152,460	1,126	SH		DFND	1	1,126	0	0
ABBOTT LABORATORIES	COMMON STOCK	002824100	21,815	155	SH		DFND	1	155	0	0
ACCENTURE PLC	NON US EQUITY	G1151C101	107,783	260	SH		DFND	1	260	0	0
ADOBE INC COM	COMMON STOCK	00724F101	48,200	85	SH		DFND	1	85	0	0
AUTODESK INCORPORATED	COMMON STOCK	052769106	54,551	194	SH		DFND	1	194	0	0
GALLAGHER ARTHUR J	COMMON STOCK	363576109	9,332	55	SH		DFND	1	55	0	0
ALIGN TECHNOLOGY INC	COMMON STOCK	016255101	328,590	500	SH		DFND	1	500	0	0
ALASKA AIR GROUP INC	COMMON STOCK	011659109	43,972	844	SH		DFND	1	844	0	0
ALLSTATE CORP COM	COMMON STOCK	020002101	50,237	427	SH		DFND	1	427	0	0
ALNYLAM PHARMACEUTICALS INC	COMMON STOCK	02043Q107	61,897	365	SH		DFND	1	365	0	0
AMGEN INC	COMMON STOCK	031162100	119,684	532	SH		DFND	1	532	0	0
AMERIPRISE FINANCIAL INC	COMMON STOCK	03076C106	70,588	234	SH		DFND	1	234	0	0
AMERICAN TOWER CORP NEW COM	REAL ESTATE INVESTMENT TRUST	03027X100	9,068	31	SH		DFND	1	31	0	0
AMAZON.COM INC	COMMON STOCK	023135106	1,173,688	352	SH		DFND	1	352	0	0
ANSYS INC	COMMON STOCK	03662Q105	48,536	121	SH		DFND	1	121	0	0
APTIV PLC SHS	NON US EQUITY	G6095L109	97,980	594	SH		DFND	1	594	0	0
ASML HOLDING NV	NON US EQUITY	N07059210	11,942	15	SH		DFND	1	15	0	0
ATHENE HOLDING LTD PFD	NON US PREFERRED STOCK	04686J309	14,032	492	SH		DFND	1	492	0	0
BROADCOM INC COM	COMMON STOCK	11135F101	385,938	580	SH		DFND	1	580	0	0
BOEING CO	COMMON STOCK	097023105	113,746	565	SH		DFND	1	565	0	0
BANK OF AMERICA CORP	COMMON STOCK	060505104	80,171	1,802	SH		DFND	1	1,802	0	0
BIO RAD LABS INC CL A	COMMON STOCK	090572207	48,356	64	SH		DFND	1	64	0	0
BANK OF NEW YORK MELLON CORP	COMMON STOCK	064058100	94,903	1,634	SH		DFND	1	1,634	0	0
BOOKING HLDGS INC COM	COMMON STOCK	09857L108	580,614	242	SH		DFND	1	242	0	0
BROADRIDGE FINANCIAL SOLUTIONS	COMMON STOCK	11133T103	94,335	516	SH		DFND	1	516	0	0
BRITISH AMERICAN TOBACCO PLC SPON ADR	ADR / IDR / GDR	110448107	1,256,265	33,581	SH		DFND	1	33,581	0	0
CATERPILLAR INC COM	COMMON STOCK	149123101	1,478,191	7,150	SH		DFND	1	7,150	0	0
COMMERCE BANCSHARES INC	COMMON STOCK	200525103	150,197	2,185	SH		DFND	1	2,185	0	0
CF INDUSTRIES HLDGS	COMMON STOCK	125269100	62,286	880	SH		DFND	1	880	0	0
CHARTER COMMUNICATIONS INC CLASS A	COMMON STOCK	16119P108	4,564	7	SH		DFND	1	7	0	0
CHINA STL CORP SPON ADR	ADR / IDR / GDR	169417102	51	2	SH		DFND	1	2	0	0
CME GROUP INC	COMMON STOCK	12572Q105	13,708	60	SH		DFND	1	60	0	0
CUMMINS INC	COMMON STOCK	231021106	44,937	206	SH		DFND	1	206	0	0
CAPITAL ONE FINANCIAL CORP	COMMON STOCK	14040H105	52,813	364	SH		DFND	1	364	0	0
COINBASE GLOBAL INC COM CL A	COMMON STOCK	19260Q107	93,629	371	SH		DFND	1	371	0	0
CONOCOPHILLIPS	COMMON STOCK	20825C104	38,833	538	SH		DFND	1	538	0	0
CENCORA INC COM	COMMON STOCK	03073E105	483,587	3,639	SH		DFND	1	3,639	0	0
COSTCO WHOLESALE CORP	COMMON STOCK	22160K105	647,178	1,140	SH		DFND	1	1,140	0	0
SALESFORCE INC COM	COMMON STOCK	79466L302	12,707	50	SH		DFND	1	50	0	0
CSX CORP	COMMON STOCK	126408103	213,380	5,675	SH		DFND	1	5,675	0	0
CINTAS CORP	COMMON STOCK	172908105	17,727	40	SH		DFND	1	40	0	0
CVS HEALTH CORP COM	COMMON STOCK	126650100	231,491	2,244	SH		DFND	1	2,244	0	0
CHEVRON CORP NEW COM	COMMON STOCK	166764100	317,901	2,709	SH		DFND	1	2,709	0	0
CYTODYN INC COM	COMMON STOCK	23283M101	14,831	15,000	SH		DFND	1	15,000	0	0
DEUTSCHE X TRACKERS MSCI EAFE HD FD ETF	EXCHANGE-TRADED FUND	233051200	32,830	836	SH		DFND	1	836	0	0
D R HORTON INC COM	COMMON STOCK	23331A109	52,273	482	SH		DFND	1	482	0	0
DANAHER CORPORATION COM	COMMON STOCK	235851102	83,240	253	SH		DFND	1	253	0	0
DISNEY WALT CO COM	COMMON STOCK	254687106	187,417	1,210	SH		DFND	1	1,210	0	0
DANIMER SCIENTIFIC INC COM CL A	COMMON STOCK	236272100	4,260	500	SH		DFND	1	500	0	0
DARDEN RESTAURANTS INC COM	COMMON STOCK	237194105	93,547	621	SH		DFND	1	621	0	0
DTE ENERGY CO COM	COMMON STOCK	233331107	42,078	352	SH		DFND	1	352	0	0
WISDOMTREE TR JAPN HEDGE EQT ETF	EXCHANGE-TRADED FUND	97717W851	23,890	382	SH		DFND	1	382	0	0
ECOLAB INC COM	COMMON STOCK	278865100	225,206	960	SH		DFND	1	960	0	0
CONSOLIDATED EDISON INC	COMMON STOCK	209115104	1,564,172	18,333	SH		DFND	1	18,333	0	0
ELEVANCE HEALTH INC COM	COMMON STOCK	036752103	465,858	1,005	SH		DFND	1	1,005	0	0
EPAM SYSTEMS INC	COMMON STOCK	29414B104	385,696	577	SH		DFND	1	577	0	0
EVERSOURCE ENERGY COM	COMMON STOCK	30040W108	8,188	90	SH		DFND	1	90	0	0
EATON CORP PLC	NON US EQUITY	G29183103	1,866,110	10,798	SH		DFND	1	10,798	0	0
EDWARDS LIFESCIENCES CORP	COMMON STOCK	28176E108	21,376	165	SH		DFND	1	165	0	0
ISHARES MSCI HONG KONG ETF	EXCHANGE-TRADED FUND	464286871	9,299	401	SH		DFND	1	401	0	0
FISERV INC COM	COMMON STOCK	337738108	486,256	4,685	SH		DFND	1	4,685	0	0
FIDELITY NATL INFORMATION SVC	COMMON STOCK	31620M106	401,454	3,678	SH		DFND	1	3,678	0	0
FIVE BELOW INC	COMMON STOCK	33829M101	210,614	1,018	SH		DFND	1	1,018	0	0
THE FIDELITY MSCI FINANCIALS INDEX ETF	EXCHANGE-TRADED FUND	316092501	32,545	582	SH		DFND	1	582	0	0
FLOOR & DECOR HLDGS INC CL A	COMMON STOCK	339750101	329,445	2,534	SH		DFND	1	2,534	0	0
SPDR GOLD TRUST ETF	EXCHANGE-TRADED FUND	78463V107	536,302	3,137	SH		DFND	1	3,137	0	0
ALPHABET INC CAP STK CL C	COMMON STOCK	02079K107	63,659	22	SH		DFND	1	22	0	0
ALPHABET INC CL A	COMMON STOCK	02079K305	2,025,031	699	SH		DFND	1	699	0	0
GLOBAL PAYMENTS INC	COMMON STOCK	37940X102	66,373	491	SH		DFND	1	491	0	0
HCA HEALTHCARE INC	COMMON STOCK	40412C101	23,123	90	SH		DFND	1	90	0	0
HOME DEPOT INC	COMMON STOCK	437076102	509,632	1,228	SH		DFND	1	1,228	0	0
HP INC COM	COMMON STOCK	40434L105	150,115	3,985	SH		DFND	1	3,985	0	0
HOST HOTELS & RESORTS INC	REAL ESTATE INVESTMENT TRUST	44107P104	89,263	5,133	SH		DFND	1	5,133	0	0
ISHARES GOLD TR ISHARES NEW ETF	EXCHANGE-TRADED FUND	464285204	1,092,756	31,392	SH		DFND	1	31,392	0	0
INTERNATIONAL BUSINESS MACHS COM	COMMON STOCK	459200101	250,613	1,875	SH		DFND	1	1,875	0	0
INTERCONTINENTAL EXCHANGE INC	COMMON STOCK	45866F104	51,289	375	SH		DFND	1	375	0	0
ISHARES CORE MSCI EUROPE ETF	EXCHANGE-TRADED FUND	46434V738	76,655	1,318	SH		DFND	1	1,318	0	0
INTEL CORP	COMMON STOCK	458140100	1,372,063	26,642	SH		DFND	1	26,642	0	0
INTUIT INC	COMMON STOCK	461202103	113,850	177	SH		DFND	1	177	0	0
IONIS PHARMACEUTICALS INC	COMMON STOCK	462222100	29,274	962	SH		DFND	1	962	0	0
IQVIA HLDGS INC COM	COMMON STOCK	46266C105	1,026,143	3,637	SH		DFND	1	3,637	0	0
ISHARES TR CORE S&P500 ETF	EXCHANGE-TRADED FUND	464287200	7,716,744	16,178	SH		DFND	1	16,178	0	0
ISHARES RUSSELL 2000 ETF	EXCHANGE-TRADED FUND	464287655	192,197	864	SH		DFND	1	864	0	0
ISHARES RUSSELL 2000 VALUE ETF	EXCHANGE-TRADED FUND	464287630	45,332	273	SH		DFND	1	273	0	0
ISHARES RUSSELL 2000 GROWTH ETF	EXCHANGE-TRADED FUND	464287648	500,822	1,709	SH		DFND	1	1,709	0	0
ISHARES RUSSELL MIDCAP ETF	EXCHANGE-TRADED FUND	464287499	305,560	3,681	SH		DFND	1	3,681	0	0
ISHARES RUSSELL MIDCAP VALUE ETF	EXCHANGE-TRADED FUND	464287473	50,421	412	SH		DFND	1	412	0	0
JOHNSON & JOHNSON	COMMON STOCK	478160104	90,154	527	SH		DFND	1	527	0	0
JPMORGAN CHASE & CO	COMMON STOCK	46625H100	379,723	2,398	SH		DFND	1	2,398	0	0
KEYSIGHT TECHNOLOGIES INC	COMMON STOCK	49338L103	77,648	376	SH		DFND	1	376	0	0
KLA CORPORATION COM	COMMON STOCK	482480100	176,345	410	SH		DFND	1	410	0	0
CARMAX INC	COMMON STOCK	143130102	508,418	3,904	SH		DFND	1	3,904	0	0
COCA COLA CO COM	COMMON STOCK	191216100	1,705,544	28,805	SH		DFND	1	28,805	0	0
LITTELFUSE INC	COMMON STOCK	537008104	134,368	427	SH		DFND	1	427	0	0
LKQ CORP	COMMON STOCK	501889208	108,834	1,813	SH		DFND	1	1,813	0	0
LILLY ELI & CO COM	COMMON STOCK	532457108	83,418	302	SH		DFND	1	302	0	0
LOCKHEED MARTIN CORP	COMMON STOCK	539830109	14,216	40	SH		DFND	1	40	0	0
ALLIANT ENERGY CORPORATION	COMMON STOCK	018802108	1,612,051	26,225	SH		DFND	1	26,225	0	0
LOWES COMPANIES INC	COMMON STOCK	548661107	400,644	1,550	SH		DFND	1	1,550	0	0
LYONDELLBASELL INDUSTRIES CL A	NON US EQUITY	N53745100	1,321,933	14,333	SH		DFND	1	14,333	0	0
LYFT INC CL A COM	COMMON STOCK	55087P104	178,911	4,187	SH		DFND	1	4,187	0	0
MASTERCARD INC CL A	COMMON STOCK	57636Q104	1,488,303	4,142	SH		DFND	1	4,142	0	0
MID-AMERICA APARTMENT COMM	REAL ESTATE INVESTMENT TRUST	59522J103	17,208	75	SH		DFND	1	75	0	0
MASCO CORP	COMMON STOCK	574599106	14,044	200	SH		DFND	1	200	0	0
MASIMO CORPORATION	COMMON STOCK	574795100	300,685	1,027	SH		DFND	1	1,027	0	0
MCDONALDS CORP	COMMON STOCK	580135101	1,776,768	6,628	SH		DFND	1	6,628	0	0
MCKESSON CORP	COMMON STOCK	58155Q103	74,571	300	SH		DFND	1	300	0	0
SPDR S&P MIDCAP 400 ETF TRUS	EXCHANGE-TRADED FUND	78467Y107	470,053	908	SH		DFND	1	908	0	0
METLIFE INC	COMMON STOCK	59156R108	59,053	945	SH		DFND	1	945	0	0
META PLATFORMS INC CL A COM	COMMON STOCK	30303M102	1,092,801	3,249	SH		DFND	1	3,249	0	0
3M CO COM	COMMON STOCK	88579Y101	1,643,966	9,255	SH		DFND	1	9,255	0	0
ALTRIA GROUP INC	COMMON STOCK	02209S103	29,950	632	SH		DFND	1	632	0	0
MERCK & CO INC	COMMON STOCK	58933Y105	1,510,804	19,713	SH		DFND	1	19,713	0	0
MICROSOFT CORP COM	COMMON STOCK	594918104	1,612,318	4,794	SH		DFND	1	4,794	0	0
NEXTERA ENERGY INC COM	COMMON STOCK	65339F101	91,493	980	SH		DFND	1	980	0	0
NETFLIX INC	COMMON STOCK	64110L106	377,730	627	SH		DFND	1	627	0	0
NIKE INC CL B COM	COMMON STOCK	654106103	45,001	270	SH		DFND	1	270	0	0
NNN REIT INC COM	REAL ESTATE INVESTMENT TRUST	637417106	9,133	190	SH		DFND	1	190	0	0
NORTHROP GRUMMAN CORP	COMMON STOCK	666807102	7,741	20	SH		DFND	1	20	0	0
NORFOLK SOUTHERN CORP	COMMON STOCK	655844108	14,290	48	SH		DFND	1	48	0	0
NVIDIA CORP	COMMON STOCK	67066G104	58,822	200	SH		DFND	1	200	0	0
NXP SEMICONDUCTORS NV ORD	NON US EQUITY	N6596X109	13,667	60	SH		DFND	1	60	0	0
OLD DOMINION FREIGHT LINE	COMMON STOCK	679580100	184,566	515	SH		DFND	1	515	0	0
ISHARES S&P 100 ETF	EXCHANGE-TRADED FUND	464287101	104,087	475	SH		DFND	1	475	0	0
ONEMAIN HOLDINGS INC	COMMON STOCK	68268W103	117,594	2,350	SH		DFND	1	2,350	0	0
ON SEMICONDUCTOR CORP COM	COMMON STOCK	682189105	315,149	4,640	SH		DFND	1	4,640	0	0
ORACLE CORP	COMMON STOCK	68389X105	6,890	79	SH		DFND	1	79	0	0
PAYCOM SOFTWARE INC	COMMON STOCK	70432V102	300,598	724	SH		DFND	1	724	0	0
PAYCHEX INC	COMMON STOCK	704326107	1,978,977	14,498	SH		DFND	1	14,498	0	0
PUBLIC SVC ENTERPRISE GROUP	COMMON STOCK	744573106	45,109	676	SH		DFND	1	676	0	0
PEPSICO INC COM	COMMON STOCK	713448108	15,634	90	SH		DFND	1	90	0	0
PROCTER & GAMBLE CO	COMMON STOCK	742718109	172,740	1,056	SH		DFND	1	1,056	0	0
INVESCO EXCHNG TRADED FD TR II PFD ETF	EXCHANGE-TRADED FUND	46138E511	580,605	38,707	SH		DFND	1	38,707	0	0
PINTEREST INC CL A	COMMON STOCK	72352L106	724,310	19,926	SH		DFND	1	19,926	0	0
PROLOGIS INC	REAL ESTATE INVESTMENT TRUST	74340W103	17,004	101	SH		DFND	1	101	0	0
PHILIP MORRIS INTL INC COM	COMMON STOCK	718172109	274,835	2,893	SH		DFND	1	2,893	0	0
PRIMERICA INC	COMMON STOCK	74164M108	114,033	744	SH		DFND	1	744	0	0
PRUDENTIAL FINANCIAL INC	COMMON STOCK	744320102	1,596,756	14,752	SH		DFND	1	14,752	0	0
QUANTA SERVICES INC	COMMON STOCK	74762E102	64,095	559	SH		DFND	1	559	0	0
PAYPAL HOLDINGS INC	COMMON STOCK	70450Y103	177,265	940	SH		DFND	1	940	0	0
ROBLOX CORP CL A COM	COMMON STOCK	771049103	559,230	5,421	SH		DFND	1	5,421	0	0
REGENERON PHARMACEUTICALS	COMMON STOCK	75886F107	63,152	100	SH		DFND	1	100	0	0
RH	COMMON STOCK	74967X103	115,227	215	SH		DFND	1	215	0	0
ROBERT HALF INC COM	COMMON STOCK	770323103	131,594	1,180	SH		DFND	1	1,180	0	0
ROPER TECHNOLOGIES INC COM	COMMON STOCK	776696106	61,974	126	SH		DFND	1	126	0	0
REPUBLIC SERVICES INC	COMMON STOCK	760759100	56,338	404	SH		DFND	1	404	0	0
RTX CORPORATION COM	COMMON STOCK	75513E101	214,720	2,495	SH		DFND	1	2,495	0	0
SHERWIN WILLIAMS CO	COMMON STOCK	824348106	373,994	1,062	SH		DFND	1	1,062	0	0
SITEONE LANDSCAPE SUPPLY INC	COMMON STOCK	82982L103	76,318	315	SH		DFND	1	315	0	0
SCOTTS MIRACLE GRO CO CL A	COMMON STOCK	810186106	48,783	303	SH		DFND	1	303	0	0
SYNOPSYS INC	COMMON STOCK	871607107	80,702	219	SH		DFND	1	219	0	0
SOUTHERN CO COM	COMMON STOCK	842587107	1,525,082	22,238	SH		DFND	1	22,238	0	0
S&P GLOBAL INC COM	COMMON STOCK	78409V104	227,470	482	SH		DFND	1	482	0	0
S&P 500 DR (SPDRS)	EXCHANGE-TRADED FUND	78462F103	488,734	1,029	SH		DFND	1	1,029	0	0
CONSTELLATION BRANDS INC CL A	COMMON STOCK	21036P108	89,847	358	SH		DFND	1	358	0	0
STANLEY BLACK & DECKER INC	COMMON STOCK	854502101	45,835	243	SH		DFND	1	243	0	0
STRYKER CORPORATION COM	COMMON STOCK	863667101	100,550	376	SH		DFND	1	376	0	0
AT&T INC.	COMMON STOCK	00206R102	191,732	7,794	SH		DFND	1	7,794	0	0
TENCENT HOLDINGS LIMITED ADR	ADR / IDR / GDR	88032Q109	272,144	4,668	SH		DFND	1	4,668	0	0
TRUIST FINL CORP COM	COMMON STOCK	89832Q109	150,766	2,575	SH		DFND	1	2,575	0	0
TARGET CORP	COMMON STOCK	87612E106	142,567	616	SH		DFND	1	616	0	0
THERMO FISHER SCIENTIFIC INC COM	COMMON STOCK	883556102	82,071	123	SH		DFND	1	123	0	0
TRANSUNION	COMMON STOCK	89400J107	9,486	80	SH		DFND	1	80	0	0
TRACTOR SUPPLY CO	COMMON STOCK	892356106	20,281	85	SH		DFND	1	85	0	0
TAIWAN SEMICONDUCTOR SPONS ADR	ADR / IDR / GDR	874039100	556,915	4,629	SH		DFND	1	4,629	0	0
TYSON FOODS INC CL A	COMMON STOCK	902494103	69,031	792	SH		DFND	1	792	0	0
THE TRADE DESK INC-CLASS A	COMMON STOCK	88339J105	396,801	4,330	SH		DFND	1	4,330	0	0
TTEC HLDGS INC COM	COMMON STOCK	89854H102	73,798	815	SH		DFND	1	815	0	0
TEXAS INSTRUMENTS INC	COMMON STOCK	882508104	17,716	94	SH		DFND	1	94	0	0
UBER TECHNOLOGIES INC COM	COMMON STOCK	90353T100	231,118	5,512	SH		DFND	1	5,512	0	0
UNITEDHEALTH GROUP INC COM	COMMON STOCK	91324P102	710,026	1,414	SH		DFND	1	1,414	0	0
UNION PACIFIC CORP COM	COMMON STOCK	907818108	56,684	225	SH		DFND	1	225	0	0
UNITED PARCEL SERVICE INC CL B	COMMON STOCK	911312106	1,816,746	8,476	SH		DFND	1	8,476	0	0
U S BANCORP NEW	COMMON STOCK	902973304	216,985	3,863	SH		DFND	1	3,863	0	0
VISA INC COM CL A	COMMON STOCK	92826C839	527,039	2,432	SH		DFND	1	2,432	0	0
VANGUARD FINANCIALS ETF	EXCHANGE-TRADED FUND	92204A405	34,282	355	SH		DFND	1	355	0	0
VANGUARD INFORMATION TECHNOLOGY INDEX	EXCHANGE-TRADED FUND	92204A702	55,439	121	SH		DFND	1	121	0	0
VANGUARD HEALTH CARE	EXCHANGE-TRADED FUND	92204A504	17,584	66	SH		DFND	1	66	0	0
VANGUARD DIVIDEND APPRECIATION ETF	EXCHANGE-TRADED FUND	921908844	17,690	103	SH		DFND	1	103	0	0
VALERO ENERGY CORP NEW	COMMON STOCK	91913Y100	33,574	447	SH		DFND	1	447	0	0
VANGUARD INDEX FDS REAL ESTATE ETF	EXCHANGE-TRADED FUND	922908553	16,241	140	SH		DFND	1	140	0	0
VERISIGN INC	COMMON STOCK	92343E102	23,605	93	SH		DFND	1	93	0	0
VANGUARD TOTAL STOCK MARKET ETF	EXCHANGE-TRADED FUND	922908769	520,545	2,156	SH		DFND	1	2,156	0	0
VANGUARD GROWTH ETF	EXCHANGE-TRADED FUND	922908736	387,326	1,207	SH		DFND	1	1,207	0	0
VANGUARD INTL EQUITY INDEX FDS FTSE ETF	EXCHANGE-TRADED FUND	922042858	24,235	490	SH		DFND	1	490	0	0
VANGUARD TOTAL INTL STOCK ET	EXCHANGE-TRADED FUND	921909768	549,753	8,648	SH		DFND	1	8,648	0	0
VANGUARD HIGH DIVIDEND YIELD ETF	EXCHANGE-TRADED FUND	921946406	535,774	4,779	SH		DFND	1	4,779	0	0
WALGREENS BOOTS ALLIANCE INC	COMMON STOCK	931427108	64,470	1,236	SH		DFND	1	1,236	0	0
WORKDAY INC COM CL A	COMMON STOCK	98138H101	27,318	100	SH		DFND	1	100	0	0
WASTE MGMT INC DEL COM	COMMON STOCK	94106L109	1,821,046	10,911	SH		DFND	1	10,911	0	0
WESTBURY METALS GRP COM	COMMON STOCK	957289101	0	1,000	SH		DFND	1	1,000	0	0
WALMART INC	COMMON STOCK	931142103	59,902	414	SH		DFND	1	414	0	0
XILINX INC	COMMON STOCK	983919101	57,884	273	SH		DFND	1	273	0	0
ZEBRA TECH CORP CL A	COMMON STOCK	989207105	133,920	225	SH		DFND	1	225	0	0
ZOETIS INC CL A COM	COMMON STOCK	98978V103	373,366	1,530	SH		DFND	1	1,530	0	0
SHELL PLC SPON ADR B	ADR / IDR / GDR	780259107	226,981	5,236	SH		DFND	1	5,236	0	0
CHINA MED TECH INC ADR	COMMON STOCK	169483104	256	100	SH		DFND	1	100	0	0
ANNALY CAPITAL MANAGEMENT IN	REAL ESTATE INVESTMENT TRUST	035710409	279,956	35,800	SH		DFND	1	35,800	0	0
VANGUARD INTERMEDIATE TERM BD ETF	EXCHANGE-TRADED FUND	921937819	312,365	3,565	SH		DFND	1	3,565	0	0
INVESCO ETF TR II S&P GBL WATER	EXCHANGE-TRADED FUND	46138E263	89,429	1,475	SH		DFND	1	1,475	0	0
SPDR SER TR BLOOMBERG CONV	EXCHANGE-TRADED FUND	78464A359	204,413	2,464	SH		DFND	1	2,464	0	0
ISHARES TR IBOXX HI YD ETF	EXCHANGE-TRADED FUND	464288513	31,324	360	SH		DFND	1	360	0	0
ISHARES TR NATIONAL MUN ETF	EXCHANGE-TRADED FUND	464288414	168,606	1,450	SH		DFND	1	1,450	0	0
SPDR SER TR NUVEEN BLMBRG SH	EXCHANGE-TRADED FUND	78468R739	59,016	1,200	SH		DFND	1	1,200	0	0
ISHARES 1-3 YEAR TREASURY BOND ETF	EXCHANGE-TRADED FUND	464287457	539,330	6,305	SH		DFND	1	6,305	0	0
SPDR SERIES TRUST PORTFOLIO SHORT ETF	EXCHANGE-TRADED FUND	78464A474	616,582	19,909	SH		DFND	1	19,909	0	0
ISHARES 0 5 YEAR TIPS BOND ETF	EXCHANGE-TRADED FUND	46429B747	17,258	163	SH		DFND	1	163	0	0
SPDR DOUBLELINE TR TACT ETF	EXCHANGE-TRADED FUND	78467V848	677,151	14,304	SH		DFND	1	14,304	0	0