Harbour Trust & Investment Management 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
AT & T Inc.	Com	00206R102	211,982	12,633	SH		SOLE	0	11,633	0	1,000
AT & T Inc.	Com	00206R102	117,661	7,012	SH		DFND	0	7,012	0	0
Abbott Laboratories	Com	002824100	3,315,198	30,119	SH		SOLE	0	25,309	0	4,810
Abbott Laboratories	Com	002824100	1,416,601	12,870	SH		DFND	0	12,795	0	75
AbbVie Inc.	Com	00287Y109	2,311,997	14,919	SH		SOLE	0	13,952	0	967
AbbVie Inc.	Com	00287Y109	812,043	5,240	SH		DFND	0	5,240	0	0
Adobe Systems, Inc.	Com	00724F101	7,736,112	12,967	SH		SOLE	0	11,725	0	1,242
Adobe Systems, Inc.	Com	00724F101	380,034	637	SH		DFND	0	637	0	0
Advanced Micro Devices, Inc.	Com	007903107	276,983	1,879	SH		SOLE	0	1,879	0	0
Advanced Micro Devices, Inc.	Com	007903107	73,705	500	SH		DFND	0	500	0	0
Air Products And Chemicals, Inc.	Com	009158106	4,434,465	16,196	SH		SOLE	0	13,525	0	2,671
Air Products And Chemicals, Inc.	Com	009158106	1,045,368	3,818	SH		DFND	0	3,818	0	0
Albemarle Corp.	Com	012653101	4,824,621	33,393	SH		SOLE	0	30,369	10	3,014
Albemarle Corp.	Com	012653101	260,208	1,801	SH		DFND	0	1,483	0	318
Alphabet Inc Class C	Com	02079K107	19,730,905	140,005	SH		SOLE	0	126,306	24	13,675
Alphabet Inc Class C	Com	02079K107	1,631,406	11,576	SH		DFND	0	10,451	0	1,125
Alphabet Inc Class A	Com	02079K305	2,985,175	21,370	SH		SOLE	0	21,370	0	0
Alphabet Inc Class A	Com	02079K305	830,457	5,945	SH		DFND	0	5,945	0	0
Altria Group Inc	Com	02209S103	315,741	7,827	SH		SOLE	0	5,927	0	1,900
Altria Group Inc	Com	02209S103	87,941	2,180	SH		DFND	0	1,580	0	600
Amazon.com Inc.	Com	023135106	872,136	5,740	SH		SOLE	0	5,470	0	270
Amazon.com Inc.	Com	023135106	606,241	3,990	SH		DFND	0	3,990	0	0
American Electric Power Co.	Com	025537101	372,394	4,585	SH		SOLE	0	4,585	0	0
American Electric Power Co.	Com	025537101	73,098	900	SH		DFND	0	900	0	0
American Express Company	Com	025816109	322,599	1,722	SH		SOLE	0	1,722	0	0
American Express Company	Com	025816109	9,554	51	SH		DFND	0	51	0	0
Amgen Inc.	Com	031162100	1,347,646	4,679	SH		SOLE	0	4,679	0	0
Amgen Inc.	Com	031162100	76,325	265	SH		DFND	0	265	0	0
Elevance Health Inc	Com	036752103	339,052	719	SH		SOLE	0	719	0	0
Elevance Health Inc	Com	036752103	23,578	50	SH		DFND	0	50	0	0
APA Corporation	Com	03743Q108	77,537	2,161	SH		SOLE	0	1,565	0	596
APA Corporation	Com	03743Q108	174,018	4,850	SH		DFND	0	4,850	0	0
Apple, Inc.	Com	037833100	40,680,049	211,292	SH		SOLE	0	190,140	15	21,137
Apple, Inc.	Com	037833100	5,706,589	29,640	SH		DFND	0	23,769	0	5,871
Automatic Data Processing	Com	053015103	3,526,700	15,138	SH		SOLE	0	12,681	0	2,457
Automatic Data Processing	Com	053015103	1,297,643	5,570	SH		DFND	0	5,520	0	50
Bank Of America Corp.	Com	060505104	138,821	4,123	SH		SOLE	0	4,123	0	0
Bank Of America Corp.	Com	060505104	61,616	1,830	SH		DFND	0	1,830	0	0
Bank of Montreal	Com	063671101	404,764	4,091	SH		SOLE	0	1,171	0	2,920
Bank of Montreal	Com	063671101	240,919	2,435	SH		DFND	0	2,435	0	0
Berkshire Hathaway Inc Class A	Com	084670108	1,085,250	2	SH		SOLE	0	0	0	2
Berkshire Hathaway Inc Cl B	Com	084670702	17,429,618	48,869	SH		SOLE	0	44,343	7	4,519
Berkshire Hathaway Inc Cl B	Com	084670702	464,371	1,302	SH		DFND	0	1,237	0	65
Berry Global Group Inc	Com	08579W103	6,911,181	102,555	SH		SOLE	0	95,221	35	7,299
Berry Global Group Inc	Com	08579W103	293,955	4,362	SH		DFND	0	3,362	0	1,000
Blackrock, Inc.	Com	09247X101	8,364,787	10,304	SH		SOLE	0	9,435	0	869
Blackrock, Inc.	Com	09247X101	230,551	284	SH		DFND	0	284	0	0
Blackstone Group Inc	Com	09260D107	6,843,319	52,271	SH		SOLE	0	49,387	37	2,847
Blackstone Group Inc	Com	09260D107	452,067	3,453	SH		DFND	0	2,903	0	550
Boeing Company	Com	097023105	7,260,163	27,853	SH		SOLE	0	24,689	8	3,156
Boeing Company	Com	097023105	825,771	3,168	SH		DFND	0	2,928	0	240
Bristol Myers Squibb	Com	110122108	257,781	5,024	SH		SOLE	0	3,374	0	1,650
Bristol Myers Squibb	Com	110122108	135,510	2,641	SH		DFND	0	2,641	0	0
CDW Corporation	Com	12514G108	3,945,821	17,358	SH		SOLE	0	16,463	0	895
CDW Corporation	Com	12514G108	247,779	1,090	SH		DFND	0	890	0	200
CSX Corporation	Com	126408103	1,073,279	30,957	SH		SOLE	0	13,557	0	17,400
CSX Corporation	Com	126408103	156,015	4,500	SH		DFND	0	4,500	0	0
CVS Health	Com	126650100	5,179,855	65,601	SH		SOLE	0	60,714	49	4,838
CVS Health	Com	126650100	372,770	4,721	SH		DFND	0	4,566	0	155
Canadian National Railway	Com	136375102	11,120,139	88,515	SH		SOLE	0	81,386	25	7,104
Canadian National Railway	Com	136375102	1,280,044	10,189	SH		DFND	0	9,614	0	575
Capital One Financial Corporation	Com	14040H105	243,883	1,860	SH		SOLE	0	1,860	0	0
Caterpillar, Inc.	Com	149123101	532,206	1,800	SH		SOLE	0	1,600	0	200
Caterpillar, Inc.	Com	149123101	130,095	440	SH		DFND	0	440	0	0
Chevron Corp	Com	166764100	1,602,277	10,742	SH		SOLE	0	9,200	0	1,542
Chevron Corp	Com	166764100	481,339	3,227	SH		DFND	0	2,572	0	655
Cisco Systems, Inc.	Com	17275R102	310,445	6,145	SH		SOLE	0	5,145	0	1,000
Cisco Systems, Inc.	Com	17275R102	234,564	4,643	SH		DFND	0	3,443	0	1,200
Cleveland Cliffs Inc	Com	185899101	204,200	10,000	SH		DFND	0	10,000	0	0
Coca Cola Company	Com	191216100	445,452	7,559	SH		SOLE	0	6,759	0	800
Coca Cola Company	Com	191216100	61,935	1,051	SH		DFND	0	1,051	0	0
Cognizant Technology Solutions Corp	Com	192446102	560,055	7,415	SH		SOLE	0	5,935	0	1,480
Colgate-Palmolive Company	Com	194162103	963,933	12,093	SH		SOLE	0	9,843	0	2,250
Colgate-Palmolive Company	Com	194162103	557,173	6,990	SH		DFND	0	6,990	0	0
Comcast Corp Class A	Com	20030N101	771,848	17,602	SH		SOLE	0	16,602	0	1,000
Comcast Corp Class A	Com	20030N101	94,234	2,149	SH		DFND	0	2,149	0	0
Compass Minerals International, Inc.	Com	20451N101	110,699	4,372	SH		SOLE	0	4,372	0	0
Compass Minerals International, Inc.	Com	20451N101	102,546	4,050	SH		DFND	0	4,050	0	0
Consolidated Edison Inc.	Com	209115104	438,475	4,820	SH		SOLE	0	4,820	0	0
Constellation Brands Inc - A	Com	21036P108	7,460,405	30,860	SH		SOLE	0	27,831	0	3,029
Constellation Brands Inc - A	Com	21036P108	451,831	1,869	SH		DFND	0	1,669	0	200
Costco Wholesale Corp	Com	22160K105	18,147,579	27,493	SH		SOLE	0	24,913	4	2,576
Costco Wholesale Corp	Com	22160K105	475,918	721	SH		DFND	0	605	0	116
Cummins, Inc.	Com	231021106	569,218	2,376	SH		SOLE	0	2,376	0	0
Cummins, Inc.	Com	231021106	869,639	3,630	SH		DFND	0	3,530	0	100
Danaher Inc	Com	235851102	872,383	3,771	SH		SOLE	0	3,341	0	430
Danaher Inc	Com	235851102	159,625	690	SH		DFND	0	690	0	0
Deere & Co.	Com	244199105	10,302,651	25,765	SH		SOLE	0	24,054	5	1,706
Deere & Co.	Com	244199105	420,263	1,051	SH		DFND	0	821	0	230
Walt Disney Co	Com	254687106	4,293,741	47,555	SH		SOLE	0	41,703	0	5,852
Walt Disney Co	Com	254687106	238,004	2,636	SH		DFND	0	2,186	0	450
Dominion Energy Inc.	Com	25746U109	388,972	8,276	SH		SOLE	0	6,751	0	1,525
Dominion Energy Inc.	Com	25746U109	27,495	585	SH		DFND	0	235	0	350
Dover Corp	Com	260003108	174,267	1,133	SH		SOLE	0	1,133	0	0
Dover Corp	Com	260003108	562,637	3,658	SH		DFND	0	3,658	0	0
Duke Energy Corp	Com	26441C204	580,299	5,980	SH		SOLE	0	5,720	0	260
Duke Energy Corp	Com	26441C204	179,136	1,846	SH		DFND	0	1,846	0	0
EOG Resources, Inc	Com	26875P101	1,745,429	14,431	SH		SOLE	0	13,614	21	796
EOG Resources, Inc	Com	26875P101	121,071	1,001	SH		DFND	0	815	0	186
Ecolab Inc.	Com	278865100	3,793,444	19,125	SH		SOLE	0	17,666	13	1,446
Ecolab Inc.	Com	278865100	689,861	3,478	SH		DFND	0	3,478	0	0
Emerson Corp.	Com	291011104	2,653,702	27,265	SH		SOLE	0	21,737	0	5,528
Emerson Corp.	Com	291011104	177,919	1,828	SH		DFND	0	1,763	0	65
Enbridge Inc	Com	29250N105	5,485,702	152,296	SH		SOLE	0	140,750	99	11,447
Enbridge Inc	Com	29250N105	461,740	12,819	SH		DFND	0	12,044	0	775
Exxon Mobil Corp.	Com	30231G102	9,295,840	92,977	SH		SOLE	0	82,481	25	10,471
Exxon Mobil Corp.	Com	30231G102	1,372,126	13,724	SH		DFND	0	13,174	0	550
Meta Platforms Inc.	Com	30303M102	498,730	1,409	SH		SOLE	0	1,409	0	0
Meta Platforms Inc.	Com	30303M102	21,238	60	SH		DFND	0	60	0	0
First Merchants Corp	Com	320817109	202,642	5,465	SH		SOLE	0	1,656	0	3,809
First Source Corp	Com	336901103	98,470	1,792	SH		SOLE	0	1,792	0	0
First Source Corp	Com	336901103	119,077	2,167	SH		DFND	0	1,001	0	1,166
Fiserv Inc	Com	337738108	157,017	1,182	SH		SOLE	0	682	0	500
Fiserv Inc	Com	337738108	70,671	532	SH		DFND	0	532	0	0
Flexshares Credit Scored US Corp Bond Fund	Com	33939L761	13,625,544	284,075	SH		SOLE	0	269,561	0	14,514
Flexshares Credit Scored US Corp Bond Fund	Com	33939L761	556,389	11,600	SH		DFND	0	10,831	0	769
Flexshares Developed ex-US Factor Tilt Fund	Com	33939L803	6,042,113	88,480	SH		SOLE	0	84,866	130	3,484
Flexshares Developed ex-US Factor Tilt Fund	Com	33939L803	168,330	2,465	SH		DFND	0	1,660	0	805
General Dynamics	Com	369550108	371,847	1,432	SH		SOLE	0	1,179	0	253
General Dynamics	Com	369550108	25,967	100	SH		DFND	0	100	0	0
General Mills Inc.	Com	370334104	1,624,396	24,937	SH		SOLE	0	22,592	0	2,345
General Mills Inc.	Com	370334104	127,349	1,955	SH		DFND	0	1,555	0	400
Genuine Parts Co.	Com	372460105	1,213,122	8,759	SH		SOLE	0	7,659	0	1,100
Genuine Parts Co.	Com	372460105	130,190	940	SH		DFND	0	940	0	0
Gilead Sciences, Inc	Com	375558103	153,919	1,900	SH		SOLE	0	1,900	0	0
Gilead Sciences, Inc	Com	375558103	127,186	1,570	SH		DFND	0	1,570	0	0
Home Depot, Inc.	Com	437076102	634,533	1,831	SH		SOLE	0	1,685	0	146
Home Depot, Inc.	Com	437076102	83,519	241	SH		DFND	0	241	0	0
Honeywell International, Inc.	Com	438516106	718,047	3,424	SH		SOLE	0	3,424	0	0
Honeywell International, Inc.	Com	438516106	171,123	816	SH		DFND	0	816	0	0
Horizon Bancorp Inc	Com	440407104	6,163,589	430,719	SH		SOLE	0	411,138	0	19,581
Horizon Bancorp Inc	Com	440407104	3,735	261	SH		DFND	0	261	0	0
ITT Inc	Com	45073V108	190,912	1,600	SH		SOLE	0	1,600	0	0
ITT Inc	Com	45073V108	47,728	400	SH		DFND	0	400	0	0
Illinois Tool Works	Com	452308109	2,499,955	9,544	SH		SOLE	0	8,344	0	1,200
Illinois Tool Works	Com	452308109	184,144	703	SH		DFND	0	703	0	0
Intel Corporation	Com	458140100	356,775	7,100	SH		SOLE	0	4,452	0	2,648
Intel Corporation	Com	458140100	162,659	3,237	SH		DFND	0	2,237	0	1,000
International Business Machines Corp.	Com	459200101	191,844	1,173	SH		SOLE	0	1,173	0	0
International Business Machines Corp.	Com	459200101	413,945	2,531	SH		DFND	0	2,131	0	400
Invesco QQQ Trust	Com	46090E103	1,878,468	4,587	SH		SOLE	0	4,577	0	10
Invesco QQQ Trust	Com	46090E103	85,999	210	SH		DFND	0	210	0	0
iShares S&P 100	Com	464287101	17,249,059	77,215	SH		SOLE	0	68,088	0	9,127
iShares S&P 100	Com	464287101	180,276	807	SH		DFND	0	807	0	0
iShares TR Morningstar Large-Cap ETF	Com	464287127	385,485	5,862	SH		SOLE	0	5,862	0	0
iShares Core S&P 500 ETF	Com	464287200	348,670	730	SH		SOLE	0	730	0	0
iShares Core S&P 500 ETF	Com	464287200	23,404	49	SH		DFND	0	49	0	0
iShares MSCI EAFE Index Fund	Com	464287465	3,838,404	50,941	SH		SOLE	0	44,746	0	6,195
iShares MSCI EAFE Index Fund	Com	464287465	62,691	832	SH		DFND	0	832	0	0
S&P Midcap 400 Index Fund I Shares	Com	464287507	10,766,723	38,848	SH		SOLE	0	36,202	37	2,609
S&P Midcap 400 Index Fund I Shares	Com	464287507	195,945	707	SH		DFND	0	697	0	10
iShares Cohen & Steers Realty Majors Fund	Com	464287564	265,107	4,514	SH		SOLE	0	3,923	0	591
iShares S&P Midcap 400 Growth	Com	464287606	514,138	6,490	SH		SOLE	0	6,490	0	0
iShares US Technology Fund	Com	464287721	328,111	2,673	SH		SOLE	0	2,321	0	352
iShares US Technology Fund	Com	464287721	8,715	71	SH		DFND	0	71	0	0
iShares DJ U.S. Healthcare Sector	Com	464287762	302,269	1,056	SH		SOLE	0	1,056	0	0
S&P Smallcap 600 Index Fund I Shares	Com	464287804	19,324,898	178,521	SH		SOLE	0	163,622	103	14,796
S&P Smallcap 600 Index Fund I Shares	Com	464287804	598,514	5,529	SH		DFND	0	5,204	0	325
JPMorgan Chase & Co.	Com	46625H100	13,911,118	81,782	SH		SOLE	0	75,270	14	6,498
JPMorgan Chase & Co.	Com	46625H100	1,759,174	10,342	SH		DFND	0	9,927	0	415
Johnson & Johnson	Com	478160104	7,260,354	46,321	SH		SOLE	0	41,108	0	5,213
Johnson & Johnson	Com	478160104	1,513,481	9,656	SH		DFND	0	8,336	0	1,320
Kimberly-Clark Corp	Com	494368103	351,285	2,891	SH		SOLE	0	2,591	0	300
Kimberly-Clark Corp	Com	494368103	17,254	142	SH		DFND	0	142	0	0
Eli Lilly & Co.	Com	532457108	2,495,481	4,281	SH		SOLE	0	3,249	0	1,032
Eli Lilly & Co.	Com	532457108	547,945	940	SH		DFND	0	653	0	287
Lockheed Martin Corp.	Com	539830109	1,080,977	2,385	SH		SOLE	0	2,360	0	25
Lockheed Martin Corp.	Com	539830109	332,225	733	SH		DFND	0	693	0	40
Lowe's Companies	Com	548661107	5,372,580	24,141	SH		SOLE	0	21,706	13	2,422
Lowe's Companies	Com	548661107	517,429	2,325	SH		DFND	0	2,080	0	245
Marsh & McLennan Cos Inc	Com	571748102	10,926,924	57,671	SH		SOLE	0	54,274	12	3,385
Marsh & McLennan Cos Inc	Com	571748102	312,626	1,650	SH		DFND	0	1,450	0	200
Masco Corp.	Com	574599106	3,864,009	57,689	SH		SOLE	0	52,423	22	5,244
Masco Corp.	Com	574599106	104,958	1,567	SH		DFND	0	1,532	0	35
MasterCard Inc	Com	57636Q104	17,109,449	40,115	SH		SOLE	0	37,392	5	2,718
MasterCard Inc	Com	57636Q104	455,513	1,068	SH		DFND	0	785	0	283
McDonald's Corp	Com	580135101	14,052,202	47,392	SH		SOLE	0	42,471	0	4,921
McDonald's Corp	Com	580135101	3,446,336	11,623	SH		DFND	0	1,623	0	10,000
Merck & Co. Inc	Com	58933Y105	561,126	5,147	SH		SOLE	0	5,147	0	0
Merck & Co. Inc	Com	58933Y105	37,939	348	SH		DFND	0	348	0	0
Microsoft Corp	Com	594918104	9,993,639	26,576	SH		SOLE	0	24,345	5	2,226
Microsoft Corp	Com	594918104	2,073,861	5,515	SH		DFND	0	4,015	0	1,500
NNN RIET Inc	Com	637417106	1,486,088	34,480	SH		SOLE	0	31,294	0	3,186
NNN RIET Inc	Com	637417106	147,962	3,433	SH		DFND	0	2,133	0	1,300
Netflix, Inc.	Com	64110L106	519,988	1,068	SH		SOLE	0	1,068	0	0
Netflix, Inc.	Com	64110L106	9,738	20	SH		DFND	0	20	0	0
Nextera Energy Inc	Com	65339F101	4,188,570	68,959	SH		SOLE	0	49,487	0	19,472
Nextera Energy Inc	Com	65339F101	408,598	6,727	SH		DFND	0	4,627	0	2,100
Nike, Inc.	Com	654106103	7,735,070	71,245	SH		SOLE	0	65,678	10	5,557
Nike, Inc.	Com	654106103	414,955	3,822	SH		DFND	0	3,612	0	210
Northern Trust Corporation	Com	665859104	339,039	4,018	SH		SOLE	0	2,993	0	1,025
Northern Trust Corporation	Com	665859104	73,917	876	SH		DFND	0	876	0	0
Northrop Grumman Corp	Com	666807102	234,070	500	SH		SOLE	0	500	0	0
Novartis - ADR	Com	66987V109	994,050	9,845	SH		SOLE	0	8,095	0	1,750
Novartis - ADR	Com	66987V109	25,243	250	SH		DFND	0	250	0	0
Novo-Nordisk A/S ADR	Com	670100205	5,920,547	57,231	SH		SOLE	0	52,291	0	4,940
Novo-Nordisk A/S ADR	Com	670100205	184,141	1,780	SH		DFND	0	1,620	0	160
Nvidia Corp.	Com	67066G104	51,520,213	104,035	SH		SOLE	0	94,983	12	9,040
Nvidia Corp.	Com	67066G104	4,228,684	8,539	SH		DFND	0	8,010	0	529
Oneok, Inc.	Com	682680103	298,295	4,248	SH		SOLE	0	2,048	0	2,200
Oneok, Inc.	Com	682680103	279,335	3,978	SH		DFND	0	2,678	0	1,300
Oracle Corp.	Com	68389X105	4,542,135	43,082	SH		SOLE	0	36,947	0	6,135
Oracle Corp.	Com	68389X105	777,652	7,376	SH		DFND	0	7,376	0	0
Paychex Inc.	Com	704326107	508,242	4,267	SH		SOLE	0	3,877	0	390
Paychex Inc.	Com	704326107	36,329	305	SH		DFND	0	305	0	0
PayPal Holdings Inc.	Com	70450Y103	271,739	4,425	SH		SOLE	0	3,600	0	825
PayPal Holdings Inc.	Com	70450Y103	21,801	355	SH		DFND	0	355	0	0
Pepsico, Inc.	Com	713448108	12,548,289	73,883	SH		SOLE	0	65,664	7	8,212
Pepsico, Inc.	Com	713448108	1,178,520	6,939	SH		DFND	0	6,379	0	560
Pfizer Inc	Com	717081103	2,703,525	93,905	SH		SOLE	0	86,223	30	7,652
Pfizer Inc	Com	717081103	147,002	5,106	SH		DFND	0	4,606	0	500
Philip Morris International Inc.	Com	718172109	452,525	4,810	SH		SOLE	0	4,810	0	0
Philip Morris International Inc.	Com	718172109	182,515	1,940	SH		DFND	0	1,940	0	0
Phillips 66	Com	718546104	508,728	3,821	SH		SOLE	0	2,746	0	1,075
Phillips 66	Com	718546104	13,314	100	SH		DFND	0	100	0	0
Plains GP Holdings LP	Com	72651A207	91,409	5,731	SH		SOLE	0	5,131	0	600
Plains GP Holdings LP	Com	72651A207	153,168	9,603	SH		DFND	0	8,300	0	1,303
Procter & Gamble Company	Com	742718109	1,515,663	10,343	SH		SOLE	0	9,843	0	500
Procter & Gamble Company	Com	742718109	586,600	4,003	SH		DFND	0	4,003	0	0
Progressive Corporation	Com	743315103	382,272	2,400	SH		SOLE	0	2,400	0	0
Progressive Corporation	Com	743315103	95,568	600	SH		DFND	0	600	0	0
Qualcomm Inc.	Com	747525103	1,312,228	9,073	SH		SOLE	0	8,933	0	140
Qualcomm Inc.	Com	747525103	404,241	2,795	SH		DFND	0	2,795	0	0
Quest Diagnostics Inc	Com	74834L100	199,650	1,448	SH		SOLE	0	1,200	0	248
Quest Diagnostics Inc	Com	74834L100	27,576	200	SH		DFND	0	200	0	0
RTX Corporation	Com	75513E101	6,567,127	78,050	SH		SOLE	0	71,029	31	6,990
RTX Corporation	Com	75513E101	675,812	8,032	SH		DFND	0	7,572	0	460
Realty Income Corporation	Com	756109104	311,733	5,429	SH		SOLE	0	4,689	0	740
Realty Income Corporation	Com	756109104	8,613	150	SH		DFND	0	150	0	0
SPDR S&P 500 ETF	Com	78462F103	11,397,458	23,979	SH		SOLE	0	20,654	0	3,325
SPDR S&P 500 ETF	Com	78462F103	1,696,381	3,569	SH		DFND	0	3,569	0	0
KBW Regional Banking Spdr	Com	78464A698	1,018,662	19,429	SH		SOLE	0	18,179	0	1,250
KBW Regional Banking Spdr	Com	78464A698	163,319	3,115	SH		DFND	0	3,115	0	0
SPDR S&P Dividend ETF	Com	78464A763	1,464,398	11,718	SH		SOLE	0	9,718	0	2,000
SPDR S&P Dividend ETF	Com	78464A763	54,612	437	SH		DFND	0	437	0	0
Spdr Dow Jones Industrial Average ETF Trust	Com	78467X109	427,747	1,135	SH		SOLE	0	1,035	0	100
SPDR S&P MidCap 400 ETF Trust	Com	78467Y107	8,722,370	17,191	SH		SOLE	0	15,571	0	1,620
SPDR S&P MidCap 400 ETF Trust	Com	78467Y107	314,068	619	SH		DFND	0	619	0	0
SPDR Bloomberg High Yield Bond ETF	Com	78468R622	2,670,628	28,192	SH		SOLE	0	24,348	0	3,844
SPDR Bloomberg High Yield Bond ETF	Com	78468R622	25,577	270	SH		DFND	0	270	0	0
Charles Schwab Corp.	Com	808513105	263,298	3,827	SH		SOLE	0	3,827	0	0
Charles Schwab Corp.	Com	808513105	61,920	900	SH		DFND	0	900	0	0
Consumer Discretionary SPDR	Com	81369Y407	5,943,466	33,239	SH		SOLE	0	28,815	0	4,424
Consumer Discretionary SPDR	Com	81369Y407	387,839	2,169	SH		DFND	0	2,101	0	68
Technology Select Sector Fund	Com	81369Y803	1,470,547	7,640	SH		SOLE	0	3,501	0	4,139
Technology Select Sector Fund	Com	81369Y803	397,279	2,064	SH		DFND	0	1,914	0	150
Communication Services Select Sector SPDR	Com	81369Y852	10,549,869	145,195	SH		SOLE	0	131,949	76	13,170
Communication Services Select Sector SPDR	Com	81369Y852	283,955	3,908	SH		DFND	0	3,333	0	575
Southern Company	Com	842587107	2,340,395	33,377	SH		SOLE	0	25,727	0	7,650
Southern Company	Com	842587107	222,280	3,170	SH		DFND	0	2,070	0	1,100
Spirit Realty Capital Inc	Com	84860W300	326,102	7,464	SH		SOLE	0	7,059	0	405
Spirit Realty Capital Inc	Com	84860W300	113,463	2,597	SH		DFND	0	2,012	0	585
Stryker Corp	Com	863667101	10,397,850	34,722	SH		SOLE	0	31,669	14	3,039
Stryker Corp	Com	863667101	1,793,166	5,988	SH		DFND	0	5,988	0	0
Sysco Corporation	Com	871829107	4,370,249	59,760	SH		SOLE	0	53,427	32	6,301
Sysco Corporation	Com	871829107	252,372	3,451	SH		DFND	0	2,711	0	740
TJX Companies	Com	872540109	6,393,714	68,156	SH		SOLE	0	64,238	0	3,918
TJX Companies	Com	872540109	315,764	3,366	SH		DFND	0	3,366	0	0
Target Corp.	Com	87612E106	173,040	1,215	SH		SOLE	0	1,215	0	0
Target Corp.	Com	87612E106	134,872	947	SH		DFND	0	947	0	0
Thermo Fisher Scientific, Inc.	Com	883556102	7,828,091	14,748	SH		SOLE	0	12,581	8	2,159
Thermo Fisher Scientific, Inc.	Com	883556102	202,231	381	SH		DFND	0	269	0	112
3M Company	Com	88579Y101	359,335	3,287	SH		SOLE	0	2,987	0	300
3M Company	Com	88579Y101	290,791	2,660	SH		DFND	0	2,660	0	0
Truist Financial Corp	Com	89832Q109	217,090	5,880	SH		SOLE	0	5,830	0	50
Truist Financial Corp	Com	89832Q109	33,597	910	SH		DFND	0	910	0	0
Union Pacific Corp	Com	907818108	226,462	922	SH		SOLE	0	922	0	0
United Parcel Service	Com	911312106	904,859	5,755	SH		SOLE	0	5,402	0	353
United Parcel Service	Com	911312106	379,239	2,412	SH		DFND	0	2,412	0	0
UnitedHealth Group, Inc.	Com	91324P102	4,531,327	8,607	SH		SOLE	0	7,871	6	730
UnitedHealth Group, Inc.	Com	91324P102	247,967	471	SH		DFND	0	471	0	0
VanEck Vectors Morningstar Wide Moat ETF	Com	92189F643	17,505,286	206,260	SH		SOLE	0	179,250	0	27,010
VanEck Vectors Morningstar Wide Moat ETF	Com	92189F643	211,920	2,497	SH		DFND	0	2,497	0	0
Vanguard Interm-Term Bond Index Adm	Com	921937801	127,905	12,346	SH		SOLE	0	12,346	0	0
Vanguard Intermediate-Term Bond Fund ETF	Com	921937819	1,928,595	25,250	SH		SOLE	0	23,825	0	1,425
Vanguard Intermediate-Term Bond Fund ETF	Com	921937819	41,245	540	SH		DFND	0	540	0	0
Vanguard Short-Term Bond ETF	Com	921937827	4,869,127	63,219	SH		SOLE	0	59,286	0	3,933
Vanguard Short-Term Bond ETF	Com	921937827	83,413	1,083	SH		DFND	0	1,083	0	0
Vanguard Short Term Corporate Bond ETF	Com	92206C409	5,751,454	74,337	SH		SOLE	0	69,456	0	4,881
Vanguard Short Term Corporate Bond ETF	Com	92206C409	91,606	1,184	SH		DFND	0	1,184	0	0
Vanguard Intermediate-Term Corp Bond ETF	Com	92206C870	252,781	3,110	SH		SOLE	0	3,110	0	0
Ventas, Inc	Com	92276F100	349,329	7,009	SH		SOLE	0	7,009	0	0
Ventas, Inc	Com	92276F100	35,386	710	SH		DFND	0	710	0	0
Vanguard S&P 500 Index Fund	Com	922908363	780,562	1,787	SH		SOLE	0	1,787	0	0
Vanguard Real Estate ETF	Com	922908553	218,868	2,477	SH		SOLE	0	2,477	0	0
Vanguard Real Estate ETF	Com	922908553	8,836	100	SH		DFND	0	100	0	0
Vanguard US Total Stock Market ETF	Com	922908769	595,897	2,512	SH		SOLE	0	2,512	0	0
Verizon Communications	Com	92343V104	1,597,990	42,387	SH		SOLE	0	38,974	0	3,413
Verizon Communications	Com	92343V104	313,099	8,305	SH		DFND	0	7,305	0	1,000
Visa Inc Class A	Com	92826C839	598,805	2,300	SH		SOLE	0	2,300	0	0
Visa Inc Class A	Com	92826C839	132,779	510	SH		DFND	0	510	0	0
Wal-Mart Stores, Inc.	Com	931142103	477,049	3,026	SH		SOLE	0	2,526	0	500
Wal-Mart Stores, Inc.	Com	931142103	211,251	1,340	SH		DFND	0	1,340	0	0
Waste Management, Inc.	Com	94106L109	550,733	3,075	SH		SOLE	0	3,075	0	0
Waste Management, Inc.	Com	94106L109	179,100	1,000	SH		DFND	0	1,000	0	0
Welltower Inc	Com	95040Q104	5,122,738	56,812	SH		SOLE	0	53,374	0	3,438
Welltower Inc	Com	95040Q104	286,200	3,174	SH		DFND	0	3,174	0	0
Williams Companies, Inc.	Com	969457100	680,369	19,534	SH		SOLE	0	19,159	0	375
Williams Companies, Inc.	Com	969457100	181,116	5,200	SH		DFND	0	4,200	0	1,000
Accenture PLC	Com	G1151C101	2,875,006	8,193	SH		SOLE	0	6,658	0	1,535
Accenture PLC	Com	G1151C101	1,782,623	5,080	SH		DFND	0	5,080	0	0
Eaton Corp PLC	Com	G29183103	236,485	982	SH		SOLE	0	982	0	0
Eaton Corp PLC	Com	G29183103	240,820	1,000	SH		DFND	0	1,000	0	0
Linde PLC	Com	G54950103	1,439,128	3,504	SH		SOLE	0	2,934	0	570
Linde PLC	Com	G54950103	41,071	100	SH		DFND	0	100	0	0
Medtronic PLC	Com	G5960L103	205,373	2,493	SH		SOLE	0	2,393	0	100
Medtronic PLC	Com	G5960L103	104,952	1,274	SH		DFND	0	1,274	0	0