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	102,703	2,432	SH		DFND	1	2,432	0	0
BERKSHIRE HATHAWAY INC DEL CL B NEW COM	COMMON STOCK	084670702	20,080,972	75,204	SH		DFND	1	75,204	0	0
COMCAST CORP CL A (NEW)	COMMON STOCK	20030N101	56,900	1,940	SH		DFND	1	1,940	0	0
CISCO SYSTEMS INC	COMMON STOCK	17275R102	1,578,000	39,450	SH		DFND	1	39,450	0	0
CORTEVA INC COM	COMMON STOCK	22052L104	108,356	1,896	SH		DFND	1	1,896	0	0
DOMINION ENERGY INC COM	COMMON STOCK	25746U109	80,513	1,165	SH		DFND	1	1,165	0	0
DUPONT DE NEMOURS INC COM	COMMON STOCK	26614N102	80,590	1,599	SH		DFND	1	1,599	0	0
ENBRIDGE INC COM	NON US EQUITY	29250N105	2,841,712	76,596	SH		DFND	1	76,596	0	0
EOG RESOURCES INC	COMMON STOCK	26875P101	67,038	600	SH		DFND	1	600	0	0
EQUITY COMMONWEALTH	REAL ESTATE INVESTMENT TRUST	294628102	82,580	3,390	SH		DFND	1	3,390	0	0
BARRICK GOLD CORP	NON US EQUITY	067901108	75,640	4,880	SH		DFND	1	4,880	0	0
GUIDEWIRE SOFTWARE INC	COMMON STOCK	40171V100	22,477	365	SH		DFND	1	365	0	0
INGREDION INC	COMMON STOCK	457187102	65,624	815	SH		DFND	1	815	0	0
JONES LANG LASALLE INC	COMMON STOCK	48020Q107	21,301	141	SH		DFND	1	141	0	0
LOEWS CORP COM	COMMON STOCK	540424108	97,686	1,960	SH		DFND	1	1,960	0	0
MEDTRONIC PLC	NON US EQUITY	G5960L103	62,178	770	SH		DFND	1	770	0	0
MERCK & CO INC	COMMON STOCK	58933Y105	1,976,712	22,953	SH		DFND	1	22,953	0	0
STARBUCKS CORP	COMMON STOCK	855244109	154,364	1,832	SH		DFND	1	1,832	0	0
TJX COS INC NEW COM	COMMON STOCK	872540109	29,507	475	SH		DFND	1	475	0	0
THE TRAVELERS COMPANIES INC	COMMON STOCK	89417E109	147,072	960	SH		DFND	1	960	0	0
UNILEVER PLC SPON ADR NEW	ADR / IDR / GDR	904767704	116,834	2,665	SH		DFND	1	2,665	0	0
VERIZON COMMUNICATIONS INC COM	COMMON STOCK	92343V104	1,162,110	30,606	SH		DFND	1	30,606	0	0
ALLEGHANY CORP	COMMON STOCK	017175100	83,937	100	SH		DFND	1	100	0	0
SPDR SER TR BLOOMBERG 1-3 MO	EXCHANGE-TRADED FUND	78468R663	231,748	2,530	SH		DFND	1	2,530	0	0
ADVANCED AUTO PARTS INC	COMMON STOCK	00751Y106	21,106	135	SH		DFND	1	135	0	0
APPLE INC COM	COMMON STOCK	037833100	1,485,926	10,752	SH		DFND	1	10,752	0	0
ABBVIE INC COM	COMMON STOCK	00287Y109	144,142	1,074	SH		DFND	1	1,074	0	0
ABBOTT LABORATORIES	COMMON STOCK	002824100	14,998	155	SH		DFND	1	155	0	0
ACCENTURE PLC	NON US EQUITY	G1151C101	88,769	345	SH		DFND	1	345	0	0
ADOBE INC COM	COMMON STOCK	00724F101	30,272	110	SH		DFND	1	110	0	0
AUTOMATIC DATA PROCESSING INC	COMMON STOCK	053015103	105,631	467	SH		DFND	1	467	0	0
AFLAC INC	COMMON STOCK	001055102	12,364	220	SH		DFND	1	220	0	0
GALLAGHER ARTHUR J	COMMON STOCK	363576109	9,417	55	SH		DFND	1	55	0	0
ALLSTATE CORP COM	COMMON STOCK	020002101	66,250	532	SH		DFND	1	532	0	0
ALNYLAM PHARMACEUTICALS INC	COMMON STOCK	02043Q107	80,264	401	SH		DFND	1	401	0	0
AMGEN INC	COMMON STOCK	031162100	127,802	567	SH		DFND	1	567	0	0
AMERIPRISE FINANCIAL INC	COMMON STOCK	03076C106	87,931	349	SH		DFND	1	349	0	0
AMERICAN TOWER CORP NEW COM	REAL ESTATE INVESTMENT TRUST	03027X100	6,656	31	SH		DFND	1	31	0	0
AMAZON.COM INC	COMMON STOCK	023135106	890,214	7,878	SH		DFND	1	7,878	0	0
APTIV PLC SHS	NON US EQUITY	G6095L109	84,780	1,084	SH		DFND	1	1,084	0	0
ASML HOLDING NV	NON US EQUITY	N07059210	6,230	15	SH		DFND	1	15	0	0
ATHENE HOLDING LTD PFD	NON US PREFERRED STOCK	04686J309	12,408	492	SH		DFND	1	492	0	0
BROADCOM INC COM	COMMON STOCK	11135F101	290,827	655	SH		DFND	1	655	0	0
AMERICAN EXPRESS CO	COMMON STOCK	025816109	2,159	16	SH		DFND	1	16	0	0
BOEING CO	COMMON STOCK	097023105	24,216	200	SH		DFND	1	200	0	0
BANK OF AMERICA CORP	COMMON STOCK	060505104	74,805	2,477	SH		DFND	1	2,477	0	0
BANK OF NEW YORK MELLON CORP	COMMON STOCK	064058100	62,942	1,634	SH		DFND	1	1,634	0	0
BOOKING HLDGS INC COM	COMMON STOCK	09857L108	443,667	270	SH		DFND	1	270	0	0
BRISTOL-MYERS SQUIBB CO	COMMON STOCK	110122108	20,829	293	SH		DFND	1	293	0	0
BROADRIDGE FINANCIAL SOLUTIONS	COMMON STOCK	11133T103	67,975	471	SH		DFND	1	471	0	0
BRITISH AMERICAN TOBACCO PLC SPON ADR	ADR / IDR / GDR	110448107	1,291,774	36,388	SH		DFND	1	36,388	0	0
CATERPILLAR INC COM	COMMON STOCK	149123101	1,313,789	8,007	SH		DFND	1	8,007	0	0
CHEMOURS CO/THE	COMMON STOCK	163851108	641	26	SH		DFND	1	26	0	0
CELANESE CORP DEL COM	COMMON STOCK	150870103	44,718	495	SH		DFND	1	495	0	0
CF INDUSTRIES HLDGS	COMMON STOCK	125269100	56,306	585	SH		DFND	1	585	0	0
CHARTER COMMUNICATIONS INC CLASS A	COMMON STOCK	16119P108	2,123	7	SH		DFND	1	7	0	0
CHINA STL CORP SPON ADR	ADR / IDR / GDR	169417102	34	2	SH		DFND	1	2	0	0
CME GROUP INC	COMMON STOCK	12572Q105	10,628	60	SH		DFND	1	60	0	0
CUMMINS INC	COMMON STOCK	231021106	57,186	281	SH		DFND	1	281	0	0
CAPITAL ONE FINANCIAL CORP	COMMON STOCK	14040H105	59,357	644	SH		DFND	1	644	0	0
CONOCOPHILLIPS	COMMON STOCK	20825C104	90,673	886	SH		DFND	1	886	0	0
CENCORA INC COM	COMMON STOCK	03073E105	544,297	4,022	SH		DFND	1	4,022	0	0
COSTCO WHOLESALE CORP	COMMON STOCK	22160K105	484,077	1,025	SH		DFND	1	1,025	0	0
CSX CORP	COMMON STOCK	126408103	168,365	6,320	SH		DFND	1	6,320	0	0
CINTAS CORP	COMMON STOCK	172908105	15,528	40	SH		DFND	1	40	0	0
CVS HEALTH CORP COM	COMMON STOCK	126650100	240,619	2,523	SH		DFND	1	2,523	0	0
CHEVRON CORP NEW COM	COMMON STOCK	166764100	295,817	2,059	SH		DFND	1	2,059	0	0
DANAHER CORPORATION COM	COMMON STOCK	235851102	91,176	353	SH		DFND	1	353	0	0
DISNEY WALT CO COM	COMMON STOCK	254687106	158,946	1,685	SH		DFND	1	1,685	0	0
DICKS SPORTING GOODS INC	COMMON STOCK	253393102	100,978	965	SH		DFND	1	965	0	0
DANIMER SCIENTIFIC INC COM CL A	COMMON STOCK	236272100	1,475	500	SH		DFND	1	500	0	0
DOW INC COM	COMMON STOCK	260557103	2,680	61	SH		DFND	1	61	0	0
DARDEN RESTAURANTS INC COM	COMMON STOCK	237194105	120,762	956	SH		DFND	1	956	0	0
DTE ENERGY CO COM	COMMON STOCK	233331107	55,454	482	SH		DFND	1	482	0	0
ISHARES SELECT DIVIDEND ETF	EXCHANGE-TRADED FUND	464287168	2,681	25	SH		DFND	1	25	0	0
ECOLAB INC COM	COMMON STOCK	278865100	116,980	810	SH		DFND	1	810	0	0
CONSOLIDATED EDISON INC	COMMON STOCK	209115104	1,647,107	19,206	SH		DFND	1	19,206	0	0
ELEVANCE HEALTH INC COM	COMMON STOCK	036752103	504,206	1,110	SH		DFND	1	1,110	0	0
EPAM SYSTEMS INC	COMMON STOCK	29414B104	237,959	657	SH		DFND	1	657	0	0
EVERSOURCE ENERGY COM	COMMON STOCK	30040W108	7,016	90	SH		DFND	1	90	0	0
EATON CORP PLC	NON US EQUITY	G29183103	1,626,992	12,200	SH		DFND	1	12,200	0	0
EDWARDS LIFESCIENCES CORP	COMMON STOCK	28176E108	13,634	165	SH		DFND	1	165	0	0
ISHARES MSCI HONG KONG ETF	EXCHANGE-TRADED FUND	464286871	7,314	401	SH		DFND	1	401	0	0
FISERV INC COM	COMMON STOCK	337738108	503,032	5,376	SH		DFND	1	5,376	0	0
FIDELITY NATL INFORMATION SVC	COMMON STOCK	31620M106	473,522	6,266	SH		DFND	1	6,266	0	0
THE FIDELITY MSCI FINANCIALS INDEX ETF	EXCHANGE-TRADED FUND	316092501	25,073	582	SH		DFND	1	582	0	0
FLOOR & DECOR HLDGS INC CL A	COMMON STOCK	339750101	203,122	2,891	SH		DFND	1	2,891	0	0
GENERAL ELECTRIC CO COM NEW	COMMON STOCK	369604301	6,562	106	SH		DFND	1	106	0	0
SPDR GOLD TRUST ETF	EXCHANGE-TRADED FUND	78463V107	486,746	3,147	SH		DFND	1	3,147	0	0
ALPHABET INC CAP STK CL C	COMMON STOCK	02079K107	49,998	520	SH		DFND	1	520	0	0
ALPHABET INC CL A	COMMON STOCK	02079K305	1,492,140	15,600	SH		DFND	1	15,600	0	0
WW GRAINGER INC	COMMON STOCK	384802104	29,351	60	SH		DFND	1	60	0	0
HASBRO INC	COMMON STOCK	418056107	15,170	225	SH		DFND	1	225	0	0
HUNTINGTON BANCSHARES INC	COMMON STOCK	446150104	17,332	1,315	SH		DFND	1	1,315	0	0
HCA HEALTHCARE INC	COMMON STOCK	40412C101	16,541	90	SH		DFND	1	90	0	0
HOME DEPOT INC	COMMON STOCK	437076102	430,190	1,559	SH		DFND	1	1,559	0	0
HP INC COM	COMMON STOCK	40434L105	116,127	4,660	SH		DFND	1	4,660	0	0
HOST HOTELS & RESORTS INC	REAL ESTATE INVESTMENT TRUST	44107P104	118,830	7,483	SH		DFND	1	7,483	0	0
ISHARES GOLD TR ISHARES NEW ETF	EXCHANGE-TRADED FUND	464285204	989,790	31,392	SH		DFND	1	31,392	0	0
INTERNATIONAL BUSINESS MACHS COM	COMMON STOCK	459200101	256,273	2,157	SH		DFND	1	2,157	0	0
iSHARES CORE MSCI EAFE ETF	EXCHANGE-TRADED FUND	46432F842	120,772	2,293	SH		DFND	1	2,293	0	0
INTERNATIONAL FLAVORS & FRAGRANCES INC	COMMON STOCK	459506101	3,906	43	SH		DFND	1	43	0	0
ISHARES CORE S&P MIDCAP ETF	EXCHANGE-TRADED FUND	464287507	388,967	1,774	SH		DFND	1	1,774	0	0
INTEL CORP	COMMON STOCK	458140100	904,682	35,106	SH		DFND	1	35,106	0	0
INTUIT INC	COMMON STOCK	461202103	30,986	80	SH		DFND	1	80	0	0
IONIS PHARMACEUTICALS INC	COMMON STOCK	462222100	49,803	1,126	SH		DFND	1	1,126	0	0
IQVIA HLDGS INC COM	COMMON STOCK	46266C105	733,617	4,050	SH		DFND	1	4,050	0	0
ISHARES TR CORE S&P500 ETF	EXCHANGE-TRADED FUND	464287200	6,430,236	17,929	SH		DFND	1	17,929	0	0
ISHARES RUSSELL 2000 ETF	EXCHANGE-TRADED FUND	464287655	142,491	864	SH		DFND	1	864	0	0
ISHARES RUSSELL 2000 VALUE ETF	EXCHANGE-TRADED FUND	464287630	35,198	273	SH		DFND	1	273	0	0
ISHARES RUSSELL 2000 GROWTH ETF	EXCHANGE-TRADED FUND	464287648	353,062	1,709	SH		DFND	1	1,709	0	0
ISHARES RUSSELL MIDCAP ETF	EXCHANGE-TRADED FUND	464287499	228,774	3,681	SH		DFND	1	3,681	0	0
ISHARES RUSSELL MIDCAP VALUE ETF	EXCHANGE-TRADED FUND	464287473	39,573	412	SH		DFND	1	412	0	0
JOHNSON & JOHNSON	COMMON STOCK	478160104	120,886	740	SH		DFND	1	740	0	0
JPMORGAN CHASE & CO	COMMON STOCK	46625H100	270,969	2,593	SH		DFND	1	2,593	0	0
KYNDRYL HLDGS INC COMMON STOCK	COMMON STOCK	50155Q100	190	23	SH		DFND	1	23	0	0
KEYSIGHT TECHNOLOGIES INC	COMMON STOCK	49338L103	59,167	376	SH		DFND	1	376	0	0
KLA CORPORATION COM	COMMON STOCK	482480100	167,960	555	SH		DFND	1	555	0	0
CARMAX INC	COMMON STOCK	143130102	288,111	4,364	SH		DFND	1	4,364	0	0
COCA COLA CO COM	COMMON STOCK	191216100	1,687,995	30,132	SH		DFND	1	30,132	0	0
KOHLS CORP	COMMON STOCK	500255104	7,922	315	SH		DFND	1	315	0	0
LITTELFUSE INC	COMMON STOCK	537008104	95,769	482	SH		DFND	1	482	0	0
LKQ CORP	COMMON STOCK	501889208	88,312	1,873	SH		DFND	1	1,873	0	0
LILLY ELI & CO COM	COMMON STOCK	532457108	226,992	702	SH		DFND	1	702	0	0
LOCKHEED MARTIN CORP	COMMON STOCK	539830109	15,452	40	SH		DFND	1	40	0	0
ALLIANT ENERGY CORPORATION	COMMON STOCK	018802108	1,497,921	28,268	SH		DFND	1	28,268	0	0
LOWES COMPANIES INC	COMMON STOCK	548661107	97,286	518	SH		DFND	1	518	0	0
LPL FINANCIAL HOLDINGS INC	COMMON STOCK	50212V100	143,104	655	SH		DFND	1	655	0	0
LYONDELLBASELL INDUSTRIES CL A	NON US EQUITY	N53745100	1,218,181	16,182	SH		DFND	1	16,182	0	0
LYFT INC CL A COM	COMMON STOCK	55087P104	69,222	5,256	SH		DFND	1	5,256	0	0
MASTERCARD INC CL A	COMMON STOCK	57636Q104	1,327,583	4,669	SH		DFND	1	4,669	0	0
MID-AMERICA APARTMENT COMM	REAL ESTATE INVESTMENT TRUST	59522J103	11,630	75	SH		DFND	1	75	0	0
MARRIOT INTERNATIONAL CL A	COMMON STOCK	571903202	121,922	870	SH		DFND	1	870	0	0
MASCO CORP	COMMON STOCK	574599106	9,338	200	SH		DFND	1	200	0	0
MASIMO CORPORATION	COMMON STOCK	574795100	149,206	1,057	SH		DFND	1	1,057	0	0
MCDONALDS CORP	COMMON STOCK	580135101	1,638,715	7,102	SH		DFND	1	7,102	0	0
MCKESSON CORP	COMMON STOCK	58155Q103	81,569	240	SH		DFND	1	240	0	0
MONDELEZ INTERNATIONAL INC	COMMON STOCK	609207105	105,548	1,925	SH		DFND	1	1,925	0	0
SPDR S&P MIDCAP 400 ETF TRUS	EXCHANGE-TRADED FUND	78467Y107	290,802	724	SH		DFND	1	724	0	0
METLIFE INC	COMMON STOCK	59156R108	71,720	1,180	SH		DFND	1	1,180	0	0
META PLATFORMS INC CL A COM	COMMON STOCK	30303M102	524,810	3,868	SH		DFND	1	3,868	0	0
3M CO COM	COMMON STOCK	88579Y101	1,237,048	11,195	SH		DFND	1	11,195	0	0
ALTRIA GROUP INC	COMMON STOCK	02209S103	25,520	632	SH		DFND	1	632	0	0
MARATHON PETROLEUM CORP	COMMON STOCK	56585A102	21,356	215	SH		DFND	1	215	0	0
MICROSOFT CORP COM	COMMON STOCK	594918104	1,291,431	5,545	SH		DFND	1	5,545	0	0
NEXTERA ENERGY INC COM	COMMON STOCK	65339F101	70,569	900	SH		DFND	1	900	0	0
NETFLIX INC	COMMON STOCK	64110L106	157,980	671	SH		DFND	1	671	0	0
NIKE INC CL B COM	COMMON STOCK	654106103	27,845	335	SH		DFND	1	335	0	0
NNN REIT INC COM	REAL ESTATE INVESTMENT TRUST	637417106	7,573	190	SH		DFND	1	190	0	0
NORTHROP GRUMMAN CORP	COMMON STOCK	666807102	9,406	20	SH		DFND	1	20	0	0
NORFOLK SOUTHERN CORP	COMMON STOCK	655844108	24,739	118	SH		DFND	1	118	0	0
NVIDIA CORP	COMMON STOCK	67066G104	24,278	200	SH		DFND	1	200	0	0
NOVARTIS AG SPON ADR	ADR / IDR / GDR	66987V109	14,822	195	SH		DFND	1	195	0	0
OLD DOMINION FREIGHT LINE	COMMON STOCK	679580100	133,092	535	SH		DFND	1	535	0	0
ISHARES S&P 100 ETF	EXCHANGE-TRADED FUND	464287101	77,188	475	SH		DFND	1	475	0	0
ORGANON & CO COMMON STOCK COM	COMMON STOCK	68622V106	842	36	SH		DFND	1	36	0	0
OMEGA HEALTHCARE INVESTORS	REAL ESTATE INVESTMENT TRUST	681936100	18,874	640	SH		DFND	1	640	0	0
ON SEMICONDUCTOR CORP COM	COMMON STOCK	682189105	323,804	5,195	SH		DFND	1	5,195	0	0
ORACLE CORP	COMMON STOCK	68389X105	4,825	79	SH		DFND	1	79	0	0
PAYCOM SOFTWARE INC	COMMON STOCK	70432V102	261,682	793	SH		DFND	1	793	0	0
PAYCHEX INC	COMMON STOCK	704326107	1,733,083	15,445	SH		DFND	1	15,445	0	0
PUBLIC SVC ENTERPRISE GROUP	COMMON STOCK	744573106	70,625	1,256	SH		DFND	1	1,256	0	0
PEPSICO INC COM	COMMON STOCK	713448108	41,468	254	SH		DFND	1	254	0	0
PFIZER INC COM	COMMON STOCK	717081103	1,878,398	42,925	SH		DFND	1	42,925	0	0
PROCTER & GAMBLE CO	COMMON STOCK	742718109	65,524	519	SH		DFND	1	519	0	0
INVESCO EXCHNG TRADED FD TR II PFD ETF	EXCHANGE-TRADED FUND	46138E511	450,787	37,945	SH		DFND	1	37,945	0	0
PROLOGIS INC	REAL ESTATE INVESTMENT TRUST	74340W103	10,262	101	SH		DFND	1	101	0	0
PHILIP MORRIS INTL INC COM	COMMON STOCK	718172109	190,342	2,293	SH		DFND	1	2,293	0	0
PNC FINANCIAL SERVICES GROUP INC	COMMON STOCK	693475105	14,942	100	SH		DFND	1	100	0	0
PRIMERICA INC	COMMON STOCK	74164M108	99,871	809	SH		DFND	1	809	0	0
PRUDENTIAL FINANCIAL INC	COMMON STOCK	744320102	1,406,363	16,395	SH		DFND	1	16,395	0	0
PHILLIPS 66 COM	COMMON STOCK	718546104	7,749	96	SH		DFND	1	96	0	0
QUANTA SERVICES INC	COMMON STOCK	74762E102	53,376	419	SH		DFND	1	419	0	0
PAYPAL HOLDINGS INC	COMMON STOCK	70450Y103	61,540	715	SH		DFND	1	715	0	0
ROBLOX CORP CL A COM	COMMON STOCK	771049103	319,514	8,915	SH		DFND	1	8,915	0	0
REGENERON PHARMACEUTICALS	COMMON STOCK	75886F107	89,553	130	SH		DFND	1	130	0	0
RH	COMMON STOCK	74967X103	52,905	215	SH		DFND	1	215	0	0
ROBERT HALF INC COM	COMMON STOCK	770323103	99,833	1,305	SH		DFND	1	1,305	0	0
ROPER TECHNOLOGIES INC COM	COMMON STOCK	776696106	57,902	161	SH		DFND	1	161	0	0
RTX CORPORATION COM	COMMON STOCK	75513E101	14,735	180	SH		DFND	1	180	0	0
SHELL PLC SPON ADS ADR	ADR / IDR / GDR	780259305	149,579	3,006	SH		DFND	1	3,006	0	0
SHERWIN WILLIAMS CO	COMMON STOCK	824348106	216,216	1,056	SH		DFND	1	1,056	0	0
SOUTHERN CO COM	COMMON STOCK	842587107	1,612,960	23,720	SH		DFND	1	23,720	0	0
S&P GLOBAL INC COM	COMMON STOCK	78409V104	153,286	502	SH		DFND	1	502	0	0
S&P 500 DR (SPDRS)	EXCHANGE-TRADED FUND	78462F103	331,820	929	SH		DFND	1	929	0	0
SPDR SERIES TRUST PRTFLO S&P500 GW ETF	EXCHANGE-TRADED FUND	78464A409	300,199	5,992	SH		DFND	1	5,992	0	0
SEMPRA COM	COMMON STOCK	816851109	16,493	110	SH		DFND	1	110	0	0
STATE STREET CORP	COMMON STOCK	857477103	13,378	220	SH		DFND	1	220	0	0
CONSTELLATION BRANDS INC CL A	COMMON STOCK	21036P108	100,600	438	SH		DFND	1	438	0	0
STANLEY BLACK & DECKER INC	COMMON STOCK	854502101	40,839	543	SH		DFND	1	543	0	0
STRYKER CORPORATION COM	COMMON STOCK	863667101	119,701	591	SH		DFND	1	591	0	0
AT&T INC.	COMMON STOCK	00206R102	153,584	10,012	SH		DFND	1	10,012	0	0
TRUIST FINL CORP COM	COMMON STOCK	89832Q109	170,677	3,920	SH		DFND	1	3,920	0	0
TARGET CORP	COMMON STOCK	87612E106	178,068	1,200	SH		DFND	1	1,200	0	0
THERMO FISHER SCIENTIFIC INC COM	COMMON STOCK	883556102	82,672	163	SH		DFND	1	163	0	0
TRANSUNION	COMMON STOCK	89400J107	4,759	80	SH		DFND	1	80	0	0
TRACTOR SUPPLY CO	COMMON STOCK	892356106	19,517	105	SH		DFND	1	105	0	0
TAIWAN SEMICONDUCTOR SPONS ADR	ADR / IDR / GDR	874039100	404,915	5,906	SH		DFND	1	5,906	0	0
TYSON FOODS INC CL A	COMMON STOCK	902494103	68,699	1,042	SH		DFND	1	1,042	0	0
THE TRADE DESK INC-CLASS A	COMMON STOCK	88339J105	290,086	4,855	SH		DFND	1	4,855	0	0
TTEC HLDGS INC COM	COMMON STOCK	89854H102	53,615	1,210	SH		DFND	1	1,210	0	0
TEXAS INSTRUMENTS INC	COMMON STOCK	882508104	14,549	94	SH		DFND	1	94	0	0
UBER TECHNOLOGIES INC COM	COMMON STOCK	90353T100	159,159	6,006	SH		DFND	1	6,006	0	0
UGI CORP NEW (HOLDING CO)	COMMON STOCK	902681105	16,650	515	SH		DFND	1	515	0	0
ULTA BEAUTY INC	COMMON STOCK	90384S303	79,436	198	SH		DFND	1	198	0	0
UNITEDHEALTH GROUP INC COM	COMMON STOCK	91324P102	789,378	1,563	SH		DFND	1	1,563	0	0
UNION PACIFIC CORP COM	COMMON STOCK	907818108	50,653	260	SH		DFND	1	260	0	0
UNITED PARCEL SERVICE INC CL B	COMMON STOCK	911312106	1,654,654	10,243	SH		DFND	1	10,243	0	0
U S BANCORP NEW	COMMON STOCK	902973304	141,765	3,516	SH		DFND	1	3,516	0	0
VISA INC COM CL A	COMMON STOCK	92826C839	470,595	2,649	SH		DFND	1	2,649	0	0
VANGUARD INDEX FDS SMALL CP ETF	EXCHANGE-TRADED FUND	922908751	450,861	2,638	SH		DFND	1	2,638	0	0
VANGUARD FTSE DEVELOPED MARKETS ETF	EXCHANGE-TRADED FUND	921943858	68,539	1,885	SH		DFND	1	1,885	0	0
VANGUARD FINANCIALS ETF	EXCHANGE-TRADED FUND	92204A405	26,426	355	SH		DFND	1	355	0	0
VANGUARD INFORMATION TECHNOLOGY INDEX	EXCHANGE-TRADED FUND	92204A702	37,192	121	SH		DFND	1	121	0	0
VANGUARD HEALTH CARE	EXCHANGE-TRADED FUND	92204A504	14,764	66	SH		DFND	1	66	0	0
VANGUARD DIVIDEND APPRECIATION ETF	EXCHANGE-TRADED FUND	921908844	13,921	103	SH		DFND	1	103	0	0
VALERO ENERGY CORP NEW	COMMON STOCK	91913Y100	59,515	557	SH		DFND	1	557	0	0
VANGUARD INDEX FDS REAL ESTATE ETF	EXCHANGE-TRADED FUND	922908553	73,356	915	SH		DFND	1	915	0	0
VERISIGN INC	COMMON STOCK	92343E102	16,154	93	SH		DFND	1	93	0	0
VANGUARD TOTAL STOCK MARKET ETF	EXCHANGE-TRADED FUND	922908769	315,867	1,760	SH		DFND	1	1,760	0	0
VIATRIS INC COM	COMMON STOCK	92556V106	1,440	169	SH		DFND	1	169	0	0
VANGUARD VALUE ETF	EXCHANGE-TRADED FUND	922908744	459,963	3,725	SH		DFND	1	3,725	0	0
VANGUARD GROWTH ETF	EXCHANGE-TRADED FUND	922908736	218,871	1,023	SH		DFND	1	1,023	0	0
VANGUARD INTL EQUITY INDEX FDS FTSE ETF	EXCHANGE-TRADED FUND	922042858	49,809	1,365	SH		DFND	1	1,365	0	0
VANGUARD TOTAL INTL STOCK ET	EXCHANGE-TRADED FUND	921909768	326,844	7,141	SH		DFND	1	7,141	0	0
VANGUARD HIGH DIVIDEND YIELD ETF	EXCHANGE-TRADED FUND	921946406	370,696	3,907	SH		DFND	1	3,907	0	0
WABTEC CORP	COMMON STOCK	929740108	54,911	675	SH		DFND	1	675	0	0
WALGREENS BOOTS ALLIANCE INC	COMMON STOCK	931427108	83,398	2,656	SH		DFND	1	2,656	0	0
WARNER BROS DISCOVERY INC COM SER A	COMMON STOCK	934423104	3,094	269	SH		DFND	1	269	0	0
WORKDAY INC COM CL A	COMMON STOCK	98138H101	15,222	100	SH		DFND	1	100	0	0
WELLS FARGO CO NEW COM	COMMON STOCK	949746101	8,285	206	SH		DFND	1	206	0	0
WHIRLPOOL CORP COM	COMMON STOCK	963320106	14,155	105	SH		DFND	1	105	0	0
WASTE MGMT INC DEL COM	COMMON STOCK	94106L109	1,898,328	11,849	SH		DFND	1	11,849	0	0
WESTBURY METALS GRP COM	COMMON STOCK	957289101	0	1,000	SH		DFND	1	1,000	0	0
WALMART INC	COMMON STOCK	931142103	84,824	654	SH		DFND	1	654	0	0
EXXON MOBIL CORP	COMMON STOCK	30231G102	22,439	257	SH		DFND	1	257	0	0
YUM BRANDS INC	COMMON STOCK	988498101	22,650	213	SH		DFND	1	213	0	0
YUM CHINA HOLDINGS INC	COMMON STOCK	98850P109	10,081	213	SH		DFND	1	213	0	0
ZEBRA TECH CORP CL A	COMMON STOCK	989207105	64,192	245	SH		DFND	1	245	0	0
ZOETIS INC CL A COM	COMMON STOCK	98978V103	245,420	1,655	SH		DFND	1	1,655	0	0
CHINA MED TECH INC ADR	COMMON STOCK	169483104	256	100	SH		DFND	1	100	0	0
VANGUARD INTERMEDIATE TERM BD ETF	EXCHANGE-TRADED FUND	921937819	173,266	2,358	SH		DFND	1	2,358	0	0
INVESCO ETF TR II S&P GBL WATER	EXCHANGE-TRADED FUND	46138E263	60,564	1,475	SH		DFND	1	1,475	0	0
SPDR SER TR BLOOMBERG CONV	EXCHANGE-TRADED FUND	78464A359	150,591	2,379	SH		DFND	1	2,379	0	0
SPDR SER TR BLOOMBERG INVT	EXCHANGE-TRADED FUND	78468R200	91,658	3,025	SH		DFND	1	3,025	0	0
ISHARES TR IBOXX HI YD ETF	EXCHANGE-TRADED FUND	464288513	17,134	240	SH		DFND	1	240	0	0
ISHARES TR IBONDS 23 TRM TS ETF	EXCHANGE-TRADED FUND	46436E882	1,089,880	44,000	SH		DFND	1	44,000	0	0
ISHARES TR NATIONAL MUN ETF	EXCHANGE-TRADED FUND	464288414	148,741	1,450	SH		DFND	1	1,450	0	0
ISHARES TR PFD AND INCM SEC	EXCHANGE-TRADED FUND	464288687	51,780	1,635	SH		DFND	1	1,635	0	0
SPDR SER TR NUVEEN BLMBRG SH	EXCHANGE-TRADED FUND	78468R739	55,308	1,200	SH		DFND	1	1,200	0	0
ISHARES 1-3 YEAR TREASURY BOND ETF	EXCHANGE-TRADED FUND	464287457	511,217	6,295	SH		DFND	1	6,295	0	0
SPDR SERIES TRUST PORTFOLIO SHORT ETF	EXCHANGE-TRADED FUND	78464A474	555,005	18,994	SH		DFND	1	18,994	0	0
ISHARES 0 5 YEAR TIPS BOND ETF	EXCHANGE-TRADED FUND	46429B747	15,666	163	SH		DFND	1	163	0	0
SPDR DOUBLELINE TR TACT ETF	EXCHANGE-TRADED FUND	78467V848	562,239	13,993	SH		DFND	1	13,993	0	0
ISHARES TR IBONDS 22 TRM TS ETF	EXCHANGE-TRADED FUND	46436E809	902,615	35,550	SH		DFND	1	35,550	0	0