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
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
AGNICO EAGLE MINES LTD COM	NON US EQUITY	008474108	161,677	3,172	SH		DFND	1	3,172	0	0
BERKSHIRE HATHAWAY INC DEL CL B NEW COM	COMMON STOCK	084670702	23,504,190	76,122	SH		DFND	1	76,122	0	0
COMCAST CORP CL A (NEW)	COMMON STOCK	20030N101	89,278	2,355	SH		DFND	1	2,355	0	0
CISCO SYSTEMS INC	COMMON STOCK	17275R102	2,067,111	39,543	SH		DFND	1	39,543	0	0
CORTEVA INC COM	COMMON STOCK	22052L104	110,669	1,835	SH		DFND	1	1,835	0	0
DUPONT DE NEMOURS INC COM	COMMON STOCK	26614N102	139,162	1,939	SH		DFND	1	1,939	0	0
ENBRIDGE INC COM	NON US EQUITY	29250N105	2,930,149	76,806	SH		DFND	1	76,806	0	0
EOG RESOURCES INC	COMMON STOCK	26875P101	68,778	600	SH		DFND	1	600	0	0
EQUITY COMMONWEALTH	REAL ESTATE INVESTMENT TRUST	294628102	92,160	4,450	SH		DFND	1	4,450	0	0
BARRICK GOLD CORP	NON US EQUITY	067901108	54,317	2,925	SH		DFND	1	2,925	0	0
INGREDION INC	COMMON STOCK	457187102	82,910	815	SH		DFND	1	815	0	0
LOEWS CORP COM	COMMON STOCK	540424108	135,477	2,335	SH		DFND	1	2,335	0	0
MEDTRONIC PLC	NON US EQUITY	G5960L103	228,558	2,835	SH		DFND	1	2,835	0	0
MERCK & CO INC	COMMON STOCK	58933Y105	2,334,409	21,942	SH		DFND	1	21,942	0	0
STARBUCKS CORP	COMMON STOCK	855244109	171,919	1,651	SH		DFND	1	1,651	0	0
TJX COS INC NEW COM	COMMON STOCK	872540109	23,978	306	SH		DFND	1	306	0	0
THE TRAVELERS COMPANIES INC	COMMON STOCK	89417E109	167,982	980	SH		DFND	1	980	0	0
UNILEVER PLC SPON ADR NEW	ADR / IDR / GDR	904767704	135,018	2,600	SH		DFND	1	2,600	0	0
VERIZON COMMUNICATIONS INC COM	COMMON STOCK	92343V104	1,272,209	32,713	SH		DFND	1	32,713	0	0
APPLE INC COM	COMMON STOCK	037833100	1,999,083	12,123	SH		DFND	1	12,123	0	0
ABBVIE INC COM	COMMON STOCK	00287Y109	171,163	1,074	SH		DFND	1	1,074	0	0
ABBOTT LABORATORIES	COMMON STOCK	002824100	15,695	155	SH		DFND	1	155	0	0
ACCENTURE PLC	NON US EQUITY	G1151C101	245,797	860	SH		DFND	1	860	0	0
ADOBE INC COM	COMMON STOCK	00724F101	55,879	145	SH		DFND	1	145	0	0
AUTOMATIC DATA PROCESSING INC	COMMON STOCK	053015103	124,005	557	SH		DFND	1	557	0	0
GALLAGHER ARTHUR J	COMMON STOCK	363576109	10,522	55	SH		DFND	1	55	0	0
ALLSTATE CORP COM	COMMON STOCK	020002101	57,843	522	SH		DFND	1	522	0	0
ALNYLAM PHARMACEUTICALS INC	COMMON STOCK	02043Q107	80,328	401	SH		DFND	1	401	0	0
AMERIPRISE FINANCIAL INC	COMMON STOCK	03076C106	94,709	309	SH		DFND	1	309	0	0
AMERICAN TOWER CORP NEW COM	REAL ESTATE INVESTMENT TRUST	03027X100	6,335	31	SH		DFND	1	31	0	0
AMAZON.COM INC	COMMON STOCK	023135106	777,051	7,523	SH		DFND	1	7,523	0	0
APTIV PLC SHS	NON US EQUITY	G6095L109	135,638	1,209	SH		DFND	1	1,209	0	0
ASML HOLDING NV	NON US EQUITY	N07059210	10,211	15	SH		DFND	1	15	0	0
ACTIVISION BLIZZARD INC	COMMON STOCK	00507V109	36,804	430	SH		DFND	1	430	0	0
BROADCOM INC COM	COMMON STOCK	11135F101	420,209	655	SH		DFND	1	655	0	0
BOEING CO	COMMON STOCK	097023105	42,486	200	SH		DFND	1	200	0	0
BANK OF AMERICA CORP	COMMON STOCK	060505104	71,700	2,507	SH		DFND	1	2,507	0	0
BANK OF NEW YORK MELLON CORP	COMMON STOCK	064058100	74,249	1,634	SH		DFND	1	1,634	0	0
BOOKING HLDGS INC COM	COMMON STOCK	09857L108	787,766	297	SH		DFND	1	297	0	0
BRISTOL-MYERS SQUIBB CO	COMMON STOCK	110122108	20,308	293	SH		DFND	1	293	0	0
BROADRIDGE FINANCIAL SOLUTIONS	COMMON STOCK	11133T103	69,034	471	SH		DFND	1	471	0	0
BRITISH AMERICAN TOBACCO PLC SPON ADR	ADR / IDR / GDR	110448107	72,909	2,076	SH		DFND	1	2,076	0	0
CATERPILLAR INC COM	COMMON STOCK	149123101	1,785,867	7,804	SH		DFND	1	7,804	0	0
CELANESE CORP DEL COM	COMMON STOCK	150870103	57,712	530	SH		DFND	1	530	0	0
CF INDUSTRIES HLDGS	COMMON STOCK	125269100	36,245	500	SH		DFND	1	500	0	0
CHURCHILL DOWNS INCORPORATED	COMMON STOCK	171484108	96,394	375	SH		DFND	1	375	0	0
CHARTER COMMUNICATIONS INC CLASS A	COMMON STOCK	16119P108	2,503	7	SH		DFND	1	7	0	0
CHINA STL CORP SPON ADR	ADR / IDR / GDR	169417102	41	2	SH		DFND	1	2	0	0
CME GROUP INC	COMMON STOCK	12572Q105	11,491	60	SH		DFND	1	60	0	0
CUMMINS INC	COMMON STOCK	231021106	61,153	256	SH		DFND	1	256	0	0
CAPITAL ONE FINANCIAL CORP	COMMON STOCK	14040H105	66,735	694	SH		DFND	1	694	0	0
CONOCOPHILLIPS	COMMON STOCK	20825C104	75,995	766	SH		DFND	1	766	0	0
CENCORA INC COM	COMMON STOCK	03073E105	646,364	4,037	SH		DFND	1	4,037	0	0
COSTCO WHOLESALE CORP	COMMON STOCK	22160K105	184,836	372	SH		DFND	1	372	0	0
CSX CORP	COMMON STOCK	126408103	189,221	6,320	SH		DFND	1	6,320	0	0
CINTAS CORP	COMMON STOCK	172908105	18,507	40	SH		DFND	1	40	0	0
CVS HEALTH CORP COM	COMMON STOCK	126650100	184,883	2,488	SH		DFND	1	2,488	0	0
CHEVRON CORP NEW COM	COMMON STOCK	166764100	329,420	2,019	SH		DFND	1	2,019	0	0
DANAHER CORPORATION COM	COMMON STOCK	235851102	82,669	328	SH		DFND	1	328	0	0
DISNEY WALT CO COM	COMMON STOCK	254687106	157,204	1,570	SH		DFND	1	1,570	0	0
DICKS SPORTING GOODS INC	COMMON STOCK	253393102	134,796	950	SH		DFND	1	950	0	0
DANIMER SCIENTIFIC INC COM CL A	COMMON STOCK	236272100	1,725	500	SH		DFND	1	500	0	0
DARDEN RESTAURANTS INC COM	COMMON STOCK	237194105	141,351	911	SH		DFND	1	911	0	0
DTE ENERGY CO COM	COMMON STOCK	233331107	56,632	517	SH		DFND	1	517	0	0
ECOLAB INC COM	COMMON STOCK	278865100	22,512	136	SH		DFND	1	136	0	0
CONSOLIDATED EDISON INC	COMMON STOCK	209115104	1,802,997	18,846	SH		DFND	1	18,846	0	0
ELEVANCE HEALTH INC COM	COMMON STOCK	036752103	512,688	1,115	SH		DFND	1	1,115	0	0
EVERSOURCE ENERGY COM	COMMON STOCK	30040W108	7,043	90	SH		DFND	1	90	0	0
EATON CORP PLC	NON US EQUITY	G29183103	2,020,099	11,790	SH		DFND	1	11,790	0	0
EDWARDS LIFESCIENCES CORP	COMMON STOCK	28176E108	13,650	165	SH		DFND	1	165	0	0
ISHARES MSCI HONG KONG ETF	EXCHANGE-TRADED FUND	464286871	8,241	401	SH		DFND	1	401	0	0
FISERV INC COM	COMMON STOCK	337738108	598,042	5,291	SH		DFND	1	5,291	0	0
FIDELITY NATL INFORMATION SVC	COMMON STOCK	31620M106	345,593	6,361	SH		DFND	1	6,361	0	0
THE FIDELITY MSCI FINANCIALS INDEX ETF	EXCHANGE-TRADED FUND	316092501	26,248	582	SH		DFND	1	582	0	0
FLOOR & DECOR HLDGS INC CL A	COMMON STOCK	339750101	283,954	2,891	SH		DFND	1	2,891	0	0
SPDR GOLD TRUST ETF	EXCHANGE-TRADED FUND	78463V107	576,593	3,147	SH		DFND	1	3,147	0	0
ALPHABET INC CAP STK CL C	COMMON STOCK	02079K107	65,520	630	SH		DFND	1	630	0	0
ALPHABET INC CL A	COMMON STOCK	02079K305	1,765,485	17,020	SH		DFND	1	17,020	0	0
GRAPHIC PACKAGING HOLDING COMPANY	COMMON STOCK	388689101	108,460	4,255	SH		DFND	1	4,255	0	0
WW GRAINGER INC	COMMON STOCK	384802104	48,217	70	SH		DFND	1	70	0	0
HASBRO INC	COMMON STOCK	418056107	12,080	225	SH		DFND	1	225	0	0
HUNTINGTON BANCSHARES INC	COMMON STOCK	446150104	12,712	1,135	SH		DFND	1	1,135	0	0
HCA HEALTHCARE INC	COMMON STOCK	40412C101	23,731	90	SH		DFND	1	90	0	0
HOME DEPOT INC	COMMON STOCK	437076102	380,410	1,289	SH		DFND	1	1,289	0	0
HP INC COM	COMMON STOCK	40434L105	152,620	5,200	SH		DFND	1	5,200	0	0
HOST HOTELS & RESORTS INC	REAL ESTATE INVESTMENT TRUST	44107P104	112,346	6,813	SH		DFND	1	6,813	0	0
ISHARES GOLD TR ISHARES NEW ETF	EXCHANGE-TRADED FUND	464285204	1,173,119	31,392	SH		DFND	1	31,392	0	0
INTERNATIONAL BUSINESS MACHS COM	COMMON STOCK	459200101	275,944	2,105	SH		DFND	1	2,105	0	0
INTEL CORP	COMMON STOCK	458140100	1,270,504	38,889	SH		DFND	1	38,889	0	0
INTUIT INC	COMMON STOCK	461202103	69,104	155	SH		DFND	1	155	0	0
IONIS PHARMACEUTICALS INC	COMMON STOCK	462222100	40,422	1,131	SH		DFND	1	1,131	0	0
IQVIA HLDGS INC COM	COMMON STOCK	46266C105	808,488	4,065	SH		DFND	1	4,065	0	0
ISHARES TR CORE S&P500 ETF	EXCHANGE-TRADED FUND	464287200	7,370,253	17,929	SH		DFND	1	17,929	0	0
ISHARES RUSSELL 2000 ETF	EXCHANGE-TRADED FUND	464287655	154,138	864	SH		DFND	1	864	0	0
ISHARES RUSSELL 2000 VALUE ETF	EXCHANGE-TRADED FUND	464287630	37,406	273	SH		DFND	1	273	0	0
ISHARES RUSSELL 2000 GROWTH ETF	EXCHANGE-TRADED FUND	464287648	96,172	424	SH		DFND	1	424	0	0
ISHARES RUSSELL MIDCAP ETF	EXCHANGE-TRADED FUND	464287499	257,376	3,681	SH		DFND	1	3,681	0	0
ISHARES RUSSELL MIDCAP VALUE ETF	EXCHANGE-TRADED FUND	464287473	38,444	362	SH		DFND	1	362	0	0
JOHNSON & JOHNSON	COMMON STOCK	478160104	113,150	730	SH		DFND	1	730	0	0
JPMORGAN CHASE & CO	COMMON STOCK	46625H100	339,848	2,608	SH		DFND	1	2,608	0	0
KEYSIGHT TECHNOLOGIES INC	COMMON STOCK	49338L103	60,716	376	SH		DFND	1	376	0	0
KLA CORPORATION COM	COMMON STOCK	482480100	194,795	488	SH		DFND	1	488	0	0
CARMAX INC	COMMON STOCK	143130102	283,411	4,409	SH		DFND	1	4,409	0	0
COCA COLA CO COM	COMMON STOCK	191216100	1,841,361	29,685	SH		DFND	1	29,685	0	0
LITTELFUSE INC	COMMON STOCK	537008104	129,219	482	SH		DFND	1	482	0	0
LKQ CORP	COMMON STOCK	501889208	117,380	2,068	SH		DFND	1	2,068	0	0
LILLY ELI & CO COM	COMMON STOCK	532457108	299,462	872	SH		DFND	1	872	0	0
LOCKHEED MARTIN CORP	COMMON STOCK	539830109	18,909	40	SH		DFND	1	40	0	0
ALLIANT ENERGY CORPORATION	COMMON STOCK	018802108	1,521,046	28,484	SH		DFND	1	28,484	0	0
LANTHEUS HLDGS INC COM	COMMON STOCK	516544103	118,886	1,440	SH		DFND	1	1,440	0	0
LOWES COMPANIES INC	COMMON STOCK	548661107	104,584	523	SH		DFND	1	523	0	0
LPL FINANCIAL HOLDINGS INC	COMMON STOCK	50212V100	130,548	645	SH		DFND	1	645	0	0
LYONDELLBASELL INDUSTRIES CL A	NON US EQUITY	N53745100	1,537,261	16,373	SH		DFND	1	16,373	0	0
LYFT INC CL A COM	COMMON STOCK	55087P104	49,187	5,306	SH		DFND	1	5,306	0	0
MASTERCARD INC CL A	COMMON STOCK	57636Q104	1,720,383	4,734	SH		DFND	1	4,734	0	0
MID-AMERICA APARTMENT COMM	REAL ESTATE INVESTMENT TRUST	59522J103	11,328	75	SH		DFND	1	75	0	0
MARRIOT INTERNATIONAL CL A	COMMON STOCK	571903202	144,455	870	SH		DFND	1	870	0	0
MASCO CORP	COMMON STOCK	574599106	9,944	200	SH		DFND	1	200	0	0
MASIMO CORPORATION	COMMON STOCK	574795100	195,059	1,057	SH		DFND	1	1,057	0	0
MCDONALDS CORP	COMMON STOCK	580135101	1,943,290	6,950	SH		DFND	1	6,950	0	0
MCKESSON CORP	COMMON STOCK	58155Q103	167,700	471	SH		DFND	1	471	0	0
SPDR S&P MIDCAP 400 ETF TRUS	EXCHANGE-TRADED FUND	78467Y107	313,552	684	SH		DFND	1	684	0	0
METLIFE INC	COMMON STOCK	59156R108	202,037	3,487	SH		DFND	1	3,487	0	0
META PLATFORMS INC CL A COM	COMMON STOCK	30303M102	830,381	3,918	SH		DFND	1	3,918	0	0
3M CO COM	COMMON STOCK	88579Y101	1,222,219	11,628	SH		DFND	1	11,628	0	0
ALTRIA GROUP INC	COMMON STOCK	02209S103	28,200	632	SH		DFND	1	632	0	0
MARATHON PETROLEUM CORP	COMMON STOCK	56585A102	18,876	140	SH		DFND	1	140	0	0
MICROSOFT CORP COM	COMMON STOCK	594918104	1,628,895	5,650	SH		DFND	1	5,650	0	0
NEXTERA ENERGY INC COM	COMMON STOCK	65339F101	69,372	900	SH		DFND	1	900	0	0
NETFLIX INC	COMMON STOCK	64110L106	231,817	671	SH		DFND	1	671	0	0
NIKE INC CL B COM	COMMON STOCK	654106103	53,348	435	SH		DFND	1	435	0	0
NNN REIT INC COM	REAL ESTATE INVESTMENT TRUST	637417106	8,389	190	SH		DFND	1	190	0	0
NORTHROP GRUMMAN CORP	COMMON STOCK	666807102	9,234	20	SH		DFND	1	20	0	0
NORFOLK SOUTHERN CORP	COMMON STOCK	655844108	25,016	118	SH		DFND	1	118	0	0
NVIDIA CORP	COMMON STOCK	67066G104	55,554	200	SH		DFND	1	200	0	0
NOVARTIS AG SPON ADR	ADR / IDR / GDR	66987V109	17,940	195	SH		DFND	1	195	0	0
OLD DOMINION FREIGHT LINE	COMMON STOCK	679580100	182,349	535	SH		DFND	1	535	0	0
ISHARES S&P 100 ETF	EXCHANGE-TRADED FUND	464287101	88,844	475	SH		DFND	1	475	0	0
OMEGA HEALTHCARE INVESTORS	REAL ESTATE INVESTMENT TRUST	681936100	13,842	505	SH		DFND	1	505	0	0
ON SEMICONDUCTOR CORP COM	COMMON STOCK	682189105	380,318	4,620	SH		DFND	1	4,620	0	0
ORACLE CORP	COMMON STOCK	68389X105	7,341	79	SH		DFND	1	79	0	0
PAYCOM SOFTWARE INC	COMMON STOCK	70432V102	239,560	788	SH		DFND	1	788	0	0
PAYCHEX INC	COMMON STOCK	704326107	1,761,134	15,369	SH		DFND	1	15,369	0	0
PACCAR INC	COMMON STOCK	693718108	18,080	247	SH		DFND	1	247	0	0
PUBLIC SVC ENTERPRISE GROUP	COMMON STOCK	744573106	80,623	1,291	SH		DFND	1	1,291	0	0
PEPSICO INC COM	COMMON STOCK	713448108	46,304	254	SH		DFND	1	254	0	0
PFIZER INC COM	COMMON STOCK	717081103	1,739,957	42,646	SH		DFND	1	42,646	0	0
PROCTER & GAMBLE CO	COMMON STOCK	742718109	202,813	1,364	SH		DFND	1	1,364	0	0
INVESCO EXCHNG TRADED FD TR II PFD ETF	EXCHANGE-TRADED FUND	46138E511	446,055	38,855	SH		DFND	1	38,855	0	0
PACKAGING CORP OF AMERICA	COMMON STOCK	695156109	1,532,683	11,040	SH		DFND	1	11,040	0	0
PROLOGIS INC	REAL ESTATE INVESTMENT TRUST	74340W103	12,602	101	SH		DFND	1	101	0	0
PHILIP MORRIS INTL INC COM	COMMON STOCK	718172109	222,994	2,293	SH		DFND	1	2,293	0	0
PNC FINANCIAL SERVICES GROUP INC	COMMON STOCK	693475105	12,710	100	SH		DFND	1	100	0	0
PRIMERICA INC	COMMON STOCK	74164M108	139,342	809	SH		DFND	1	809	0	0
PRUDENTIAL FINANCIAL INC	COMMON STOCK	744320102	1,351,558	16,335	SH		DFND	1	16,335	0	0
QUANTA SERVICES INC	COMMON STOCK	74762E102	69,822	419	SH		DFND	1	419	0	0
PAYPAL HOLDINGS INC	COMMON STOCK	70450Y103	54,297	715	SH		DFND	1	715	0	0
ROBLOX CORP CL A COM	COMMON STOCK	771049103	402,796	8,955	SH		DFND	1	8,955	0	0
REGENERON PHARMACEUTICALS	COMMON STOCK	75886F107	86,275	105	SH		DFND	1	105	0	0
RH	COMMON STOCK	74967X103	52,363	215	SH		DFND	1	215	0	0
ROPER TECHNOLOGIES INC COM	COMMON STOCK	776696106	70,951	161	SH		DFND	1	161	0	0
RTX CORPORATION COM	COMMON STOCK	75513E101	17,627	180	SH		DFND	1	180	0	0
SHELL PLC SPON ADS ADR	ADR / IDR / GDR	780259305	171,239	2,976	SH		DFND	1	2,976	0	0
SHERWIN WILLIAMS CO	COMMON STOCK	824348106	237,357	1,056	SH		DFND	1	1,056	0	0
SOUTHERN CO COM	COMMON STOCK	842587107	1,638,470	23,548	SH		DFND	1	23,548	0	0
S&P GLOBAL INC COM	COMMON STOCK	78409V104	173,075	502	SH		DFND	1	502	0	0
S&P 500 DR (SPDRS)	EXCHANGE-TRADED FUND	78462F103	380,323	929	SH		DFND	1	929	0	0
SPDR SERIES TRUST PRTFLO S&P500 GW ETF	EXCHANGE-TRADED FUND	78464A409	331,717	5,992	SH		DFND	1	5,992	0	0
SEMPRA COM	COMMON STOCK	816851109	16,628	110	SH		DFND	1	110	0	0
STATE STREET CORP	COMMON STOCK	857477103	18,544	245	SH		DFND	1	245	0	0
CONSTELLATION BRANDS INC CL A	COMMON STOCK	21036P108	98,940	438	SH		DFND	1	438	0	0
STRYKER CORPORATION COM	COMMON STOCK	863667101	167,285	586	SH		DFND	1	586	0	0
AT&T INC.	COMMON STOCK	00206R102	171,210	8,894	SH		DFND	1	8,894	0	0
TRUIST FINL CORP COM	COMMON STOCK	89832Q109	123,101	3,610	SH		DFND	1	3,610	0	0
TARGET CORP	COMMON STOCK	87612E106	125,216	756	SH		DFND	1	756	0	0
THERMO FISHER SCIENTIFIC INC COM	COMMON STOCK	883556102	91,066	158	SH		DFND	1	158	0	0
TRANSUNION	COMMON STOCK	89400J107	4,971	80	SH		DFND	1	80	0	0
TRACTOR SUPPLY CO	COMMON STOCK	892356106	29,380	125	SH		DFND	1	125	0	0
TAIWAN SEMICONDUCTOR SPONS ADR	ADR / IDR / GDR	874039100	552,632	5,941	SH		DFND	1	5,941	0	0
TYSON FOODS INC CL A	COMMON STOCK	902494103	96,158	1,621	SH		DFND	1	1,621	0	0
THE TRADE DESK INC-CLASS A	COMMON STOCK	88339J105	292,063	4,795	SH		DFND	1	4,795	0	0
TEXAS INSTRUMENTS INC	COMMON STOCK	882508104	17,485	94	SH		DFND	1	94	0	0
TEXAS ROADHOUSE INC CL A	COMMON STOCK	882681109	61,594	570	SH		DFND	1	570	0	0
UBER TECHNOLOGIES INC COM	COMMON STOCK	90353T100	190,866	6,021	SH		DFND	1	6,021	0	0
UGI CORP NEW (HOLDING CO)	COMMON STOCK	902681105	16,163	465	SH		DFND	1	465	0	0
ULTA BEAUTY INC	COMMON STOCK	90384S303	108,043	198	SH		DFND	1	198	0	0
UNITEDHEALTH GROUP INC COM	COMMON STOCK	91324P102	754,254	1,596	SH		DFND	1	1,596	0	0
UNION PACIFIC CORP COM	COMMON STOCK	907818108	55,347	275	SH		DFND	1	275	0	0
UNITED PARCEL SERVICE INC CL B	COMMON STOCK	911312106	1,967,253	10,141	SH		DFND	1	10,141	0	0
UNITED RENTALS INC	COMMON STOCK	911363109	73,216	185	SH		DFND	1	185	0	0
U S BANCORP NEW	COMMON STOCK	902973304	119,073	3,303	SH		DFND	1	3,303	0	0
VISA INC COM CL A	COMMON STOCK	92826C839	613,928	2,723	SH		DFND	1	2,723	0	0
VANGUARD INFORMATION TECHNOLOGY INDEX	EXCHANGE-TRADED FUND	92204A702	46,642	121	SH		DFND	1	121	0	0
VANGUARD HEALTH CARE	EXCHANGE-TRADED FUND	92204A504	15,738	66	SH		DFND	1	66	0	0
VANGUARD DIVIDEND APPRECIATION ETF	EXCHANGE-TRADED FUND	921908844	15,863	103	SH		DFND	1	103	0	0
VALERO ENERGY CORP NEW	COMMON STOCK	91913Y100	77,059	552	SH		DFND	1	552	0	0
VERISIGN INC	COMMON STOCK	92343E102	19,654	93	SH		DFND	1	93	0	0
VANGUARD TOTAL STOCK MARKET ETF	EXCHANGE-TRADED FUND	922908769	349,011	1,710	SH		DFND	1	1,710	0	0
VIATRIS INC COM	COMMON STOCK	92556V106	1,395	145	SH		DFND	1	145	0	0
VANGUARD GROWTH ETF	EXCHANGE-TRADED FUND	922908736	245,200	983	SH		DFND	1	983	0	0
VANGUARD INTL EQUITY INDEX FDS FTSE ETF	EXCHANGE-TRADED FUND	922042858	19,796	490	SH		DFND	1	490	0	0
VANGUARD TOTAL INTL STOCK ET	EXCHANGE-TRADED FUND	921909768	405,297	7,341	SH		DFND	1	7,341	0	0
VANGUARD HIGH DIVIDEND YIELD ETF	EXCHANGE-TRADED FUND	921946406	384,231	3,642	SH		DFND	1	3,642	0	0
WABTEC CORP	COMMON STOCK	929740108	65,184	645	SH		DFND	1	645	0	0
WALGREENS BOOTS ALLIANCE INC	COMMON STOCK	931427108	99,452	2,876	SH		DFND	1	2,876	0	0
WORKDAY INC COM CL A	COMMON STOCK	98138H101	20,654	100	SH		DFND	1	100	0	0
WHIRLPOOL CORP COM	COMMON STOCK	963320106	13,862	105	SH		DFND	1	105	0	0
WASTE MGMT INC DEL COM	COMMON STOCK	94106L109	1,897,178	11,627	SH		DFND	1	11,627	0	0
WESTBURY METALS GRP COM	COMMON STOCK	957289101	0	1,000	SH		DFND	1	1,000	0	0
WALMART INC	COMMON STOCK	931142103	86,848	589	SH		DFND	1	589	0	0
YUM BRANDS INC	COMMON STOCK	988498101	28,133	213	SH		DFND	1	213	0	0
ZEBRA TECH CORP CL A	COMMON STOCK	989207105	77,910	245	SH		DFND	1	245	0	0
ZOETIS INC CL A COM	COMMON STOCK	98978V103	275,458	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
SPDR SER TR BLOOMBERG 1-3 MO	EXCHANGE-TRADED FUND	78468R663	238,273	2,595	SH		DFND	1	2,595	0	0
GOLDMAN SACHS ETF TR ACCES TREASURY ETF	EXCHANGE-TRADED FUND	381430529	179,251	1,790	SH		DFND	1	1,790	0	0
VANGUARD INTERMEDIATE TERM BD ETF	EXCHANGE-TRADED FUND	921937819	222,393	2,898	SH		DFND	1	2,898	0	0
INVESCO ETF TR II S&P GBL WATER	EXCHANGE-TRADED FUND	46138E263	73,544	1,475	SH		DFND	1	1,475	0	0
SPDR SER TR BLOOMBERG CONV	EXCHANGE-TRADED FUND	78464A359	163,919	2,444	SH		DFND	1	2,444	0	0
SPDR SER TR BLOOMBERG INVT	EXCHANGE-TRADED FUND	78468R200	96,463	3,170	SH		DFND	1	3,170	0	0
ISHARES TR IBONDS 23 TRM TS ETF	EXCHANGE-TRADED FUND	46436E882	1,091,640	44,000	SH		DFND	1	44,000	0	0
ISHARES TR NATIONAL MUN ETF	EXCHANGE-TRADED FUND	464288414	176,694	1,640	SH		DFND	1	1,640	0	0
SPDR SER TR NUVEEN BLMBRG SH	EXCHANGE-TRADED FUND	78468R739	63,004	1,325	SH		DFND	1	1,325	0	0
ISHARES 1-3 YEAR TREASURY BOND ETF	EXCHANGE-TRADED FUND	464287457	517,197	6,295	SH		DFND	1	6,295	0	0
SPDR SERIES TRUST PORTFOLIO SHORT ETF	EXCHANGE-TRADED FUND	78464A474	552,570	18,649	SH		DFND	1	18,649	0	0
ISHARES 0 5 YEAR TIPS BOND ETF	EXCHANGE-TRADED FUND	46429B747	16,174	163	SH		DFND	1	163	0	0
SPDR DOUBLELINE TR TACT ETF	EXCHANGE-TRADED FUND	78467V848	591,160	14,408	SH		DFND	1	14,408	0	0