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
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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	192,878	10,959	SH		SOLE	0	9,959	0	1,000
AT & T Inc.	Com	00206R102	120,771	6,862	SH		DFND	0	6,862	0	0
Abbott Laboratories	Com	002824100	3,368,314	29,635	SH		SOLE	0	24,909	0	4,726
Abbott Laboratories	Com	002824100	1,462,804	12,870	SH		DFND	0	12,795	0	75
AbbVie Inc.	Com	00287Y109	2,672,682	14,677	SH		SOLE	0	13,710	0	967
AbbVie Inc.	Com	00287Y109	954,204	5,240	SH		DFND	0	5,240	0	0
Adobe Systems, Inc.	Com	00724F101	7,774,877	15,408	SH		SOLE	0	13,884	9	1,515
Adobe Systems, Inc.	Com	00724F101	344,137	682	SH		DFND	0	682	0	0
Advanced Micro Devices, Inc.	Com	007903107	357,190	1,979	SH		SOLE	0	1,979	0	0
Advanced Micro Devices, Inc.	Com	007903107	110,640	613	SH		DFND	0	613	0	0
Air Products And Chemicals, Inc.	Com	009158106	3,821,809	15,775	SH		SOLE	0	13,179	0	2,596
Air Products And Chemicals, Inc.	Com	009158106	918,930	3,793	SH		DFND	0	3,793	0	0
Albemarle Corp.	Com	012653101	5,654,149	42,919	SH		SOLE	0	38,812	25	4,082
Albemarle Corp.	Com	012653101	269,804	2,048	SH		DFND	0	1,930	0	118
Alphabet Inc Class C	Com	02079K107	21,830,125	143,374	SH		SOLE	0	128,587	24	14,763
Alphabet Inc Class C	Com	02079K107	1,648,367	10,826	SH		DFND	0	10,586	0	240
Alphabet Inc Class A	Com	02079K305	3,224,318	21,363	SH		SOLE	0	21,363	0	0
Alphabet Inc Class A	Com	02079K305	897,279	5,945	SH		DFND	0	5,945	0	0
Altria Group Inc	Com	02209S103	275,635	6,319	SH		SOLE	0	4,819	0	1,500
Altria Group Inc	Com	02209S103	95,092	2,180	SH		DFND	0	1,580	0	600
Amazon.com Inc.	Com	023135106	1,062,258	5,889	SH		SOLE	0	5,619	0	270
Amazon.com Inc.	Com	023135106	882,058	4,890	SH		DFND	0	4,890	0	0
American Electric Power Co.	Com	025537101	298,509	3,467	SH		SOLE	0	3,467	0	0
American Electric Power Co.	Com	025537101	77,490	900	SH		DFND	0	900	0	0
American Express Company	Com	025816109	392,082	1,722	SH		SOLE	0	1,722	0	0
American Express Company	Com	025816109	11,612	51	SH		DFND	0	51	0	0
Cencora Inc	Com	03073E105	1,411,043	5,807	SH		SOLE	0	5,270	7	530
Amgen Inc.	Com	031162100	1,335,735	4,698	SH		SOLE	0	4,698	0	0
Amgen Inc.	Com	031162100	75,345	265	SH		DFND	0	265	0	0
Elevance Health Inc	Com	036752103	372,830	719	SH		SOLE	0	719	0	0
Elevance Health Inc	Com	036752103	25,927	50	SH		DFND	0	50	0	0
APA Corporation	Com	03743Q108	69,138	2,011	SH		SOLE	0	1,415	0	596
APA Corporation	Com	03743Q108	166,743	4,850	SH		DFND	0	4,850	0	0
Apple, Inc.	Com	037833100	35,072,804	204,530	SH		SOLE	0	183,615	15	20,900
Apple, Inc.	Com	037833100	4,871,747	28,410	SH		DFND	0	23,484	0	4,926
Automatic Data Processing	Com	053015103	3,598,504	14,409	SH		SOLE	0	11,952	0	2,457
Automatic Data Processing	Com	053015103	1,391,052	5,570	SH		DFND	0	5,520	0	50
Bank Of America Corp.	Com	060505104	156,268	4,121	SH		SOLE	0	4,121	0	0
Bank Of America Corp.	Com	060505104	69,394	1,830	SH		DFND	0	1,830	0	0
Bank of Montreal	Com	063671101	376,166	3,851	SH		SOLE	0	931	0	2,920
Bank of Montreal	Com	063671101	231,502	2,370	SH		DFND	0	2,370	0	0
Berkshire Hathaway Inc Class A	Com	084670108	1,268,880	2	SH		SOLE	0	0	0	2
Berkshire Hathaway Inc Cl B	Com	084670702	19,230,380	45,730	SH		SOLE	0	41,322	13	4,395
Berkshire Hathaway Inc Cl B	Com	084670702	543,312	1,292	SH		DFND	0	1,227	0	65
Berry Global Group Inc	Com	08579W103	5,540,573	91,610	SH		SOLE	0	84,810	50	6,750
Berry Global Group Inc	Com	08579W103	203,697	3,368	SH		DFND	0	3,318	0	50
Blackrock, Inc.	Com	09247X101	7,905,143	9,482	SH		SOLE	0	8,646	0	836
Blackrock, Inc.	Com	09247X101	232,602	279	SH		DFND	0	279	0	0
Blackstone Group Inc	Com	09260D107	6,932,395	52,770	SH		SOLE	0	49,160	37	3,573
Blackstone Group Inc	Com	09260D107	343,927	2,618	SH		DFND	0	2,568	0	50
Boeing Company	Com	097023105	5,666,379	29,361	SH		SOLE	0	25,883	8	3,470
Boeing Company	Com	097023105	562,180	2,913	SH		DFND	0	2,858	0	55
Bristol Myers Squibb	Com	110122108	228,146	4,207	SH		SOLE	0	2,607	0	1,600
Bristol Myers Squibb	Com	110122108	170,336	3,141	SH		DFND	0	3,141	0	0
CDW Corporation	Com	12514G108	4,633,199	18,114	SH		SOLE	0	17,001	18	1,095
CDW Corporation	Com	12514G108	227,644	890	SH		DFND	0	890	0	0
CSX Corporation	Com	126408103	1,080,850	29,157	SH		SOLE	0	11,757	0	17,400
CSX Corporation	Com	126408103	166,815	4,500	SH		DFND	0	4,500	0	0
CVS Health	Com	126650100	5,107,511	64,036	SH		SOLE	0	59,159	49	4,828
CVS Health	Com	126650100	360,116	4,515	SH		DFND	0	4,360	0	155
Canadian National Railway	Com	136375102	11,424,657	86,741	SH		SOLE	0	79,336	25	7,380
Canadian National Railway	Com	136375102	1,237,811	9,398	SH		DFND	0	9,398	0	0
Capital One Financial Corporation	Com	14040H105	262,046	1,760	SH		SOLE	0	1,760	0	0
Caterpillar, Inc.	Com	149123101	622,931	1,700	SH		SOLE	0	1,550	0	150
Caterpillar, Inc.	Com	149123101	161,229	440	SH		DFND	0	440	0	0
Chevron Corp	Com	166764100	1,670,624	10,591	SH		SOLE	0	9,049	0	1,542
Chevron Corp	Com	166764100	524,801	3,327	SH		DFND	0	2,672	0	655
Cisco Systems, Inc.	Com	17275R102	277,749	5,565	SH		SOLE	0	4,565	0	1,000
Cisco Systems, Inc.	Com	17275R102	221,750	4,443	SH		DFND	0	3,243	0	1,200
Cleveland Cliffs Inc	Com	185899101	227,400	10,000	SH		DFND	0	10,000	0	0
Coca Cola Company	Com	191216100	463,071	7,569	SH		SOLE	0	6,769	0	800
Coca Cola Company	Com	191216100	64,300	1,051	SH		DFND	0	1,051	0	0
Cognizant Technology Solutions Corp	Com	192446102	391,369	5,340	SH		SOLE	0	4,513	0	827
Colgate-Palmolive Company	Com	194162103	969,748	10,769	SH		SOLE	0	8,519	0	2,250
Colgate-Palmolive Company	Com	194162103	629,450	6,990	SH		DFND	0	6,990	0	0
Comcast Corp Class A	Com	20030N101	665,769	15,358	SH		SOLE	0	14,358	0	1,000
Comcast Corp Class A	Com	20030N101	75,819	1,749	SH		DFND	0	1,749	0	0
Consolidated Edison Inc.	Com	209115104	410,461	4,520	SH		SOLE	0	4,520	0	0
Constellation Brands Inc - A	Com	21036P108	8,681,645	31,946	SH		SOLE	0	28,770	8	3,168
Constellation Brands Inc - A	Com	21036P108	450,850	1,659	SH		DFND	0	1,659	0	0
Costco Wholesale Corp	Com	22160K105	19,048,380	26,000	SH		SOLE	0	23,530	4	2,466
Costco Wholesale Corp	Com	22160K105	471,814	644	SH		DFND	0	608	0	36
Cummins, Inc.	Com	231021106	635,855	2,158	SH		SOLE	0	2,158	0	0
Cummins, Inc.	Com	231021106	1,069,580	3,630	SH		DFND	0	3,530	0	100
Danaher Inc	Com	235851102	922,965	3,696	SH		SOLE	0	3,266	0	430
Danaher Inc	Com	235851102	172,307	690	SH		DFND	0	690	0	0
Deere & Co.	Com	244199105	10,789,729	26,269	SH		SOLE	0	24,413	8	1,848
Deere & Co.	Com	244199105	380,345	926	SH		DFND	0	811	0	115
Walt Disney Co	Com	254687106	6,240,849	51,004	SH		SOLE	0	44,983	44	5,977
Walt Disney Co	Com	254687106	322,541	2,636	SH		DFND	0	2,186	0	450
Dominion Energy Inc.	Com	25746U109	340,690	6,926	SH		SOLE	0	5,426	0	1,500
Dominion Energy Inc.	Com	25746U109	11,560	235	SH		DFND	0	235	0	0
Dover Corp	Com	260003108	189,239	1,068	SH		SOLE	0	1,068	0	0
Dover Corp	Com	260003108	648,161	3,658	SH		DFND	0	3,658	0	0
Duke Energy Corp	Com	26441C204	593,413	6,136	SH		SOLE	0	5,876	0	260
Duke Energy Corp	Com	26441C204	226,882	2,346	SH		DFND	0	2,346	0	0
EOG Resources, Inc	Com	26875P101	3,430,203	26,832	SH		SOLE	0	24,712	21	2,099
EOG Resources, Inc	Com	26875P101	159,161	1,245	SH		DFND	0	1,245	0	0
Ecolab Inc.	Com	278865100	4,442,516	19,240	SH		SOLE	0	17,766	13	1,461
Ecolab Inc.	Com	278865100	799,607	3,463	SH		DFND	0	3,463	0	0
Emerson Corp.	Com	291011104	2,818,147	24,847	SH		SOLE	0	19,339	0	5,508
Emerson Corp.	Com	291011104	207,332	1,828	SH		DFND	0	1,763	0	65
Enbridge Inc	Com	29250N105	5,653,921	156,272	SH		SOLE	0	144,785	99	11,388
Enbridge Inc	Com	29250N105	437,127	12,082	SH		DFND	0	11,307	0	775
Exxon Mobil Corp.	Com	30231G102	10,492,869	90,269	SH		SOLE	0	79,408	25	10,836
Exxon Mobil Corp.	Com	30231G102	1,619,339	13,931	SH		DFND	0	13,356	0	575
Meta Platforms Inc.	Com	30303M102	685,153	1,411	SH		SOLE	0	1,411	0	0
Meta Platforms Inc.	Com	30303M102	29,135	60	SH		DFND	0	60	0	0
First Source Corp	Com	336901103	93,937	1,792	SH		SOLE	0	1,792	0	0
First Source Corp	Com	336901103	113,594	2,167	SH		DFND	0	1,001	0	1,166
Fiserv Inc	Com	337738108	188,907	1,182	SH		SOLE	0	682	0	500
Fiserv Inc	Com	337738108	85,024	532	SH		DFND	0	532	0	0
Flexshares Credit Scored US Corp Bond Fund	Com	33939L761	13,729,917	287,357	SH		SOLE	0	272,624	0	14,733
Flexshares Credit Scored US Corp Bond Fund	Com	33939L761	530,024	11,093	SH		DFND	0	10,856	0	237
Flexshares Developed ex-US Factor Tilt Fund	Com	33939L803	7,928,909	110,645	SH		SOLE	0	103,477	130	7,038
Flexshares Developed ex-US Factor Tilt Fund	Com	33939L803	145,113	2,025	SH		DFND	0	1,960	0	65
General Dynamics	Com	369550108	397,463	1,407	SH		SOLE	0	1,179	0	228
General Dynamics	Com	369550108	28,249	100	SH		DFND	0	100	0	0
General Mills Inc.	Com	370334104	1,518,909	21,708	SH		SOLE	0	19,463	0	2,245
General Mills Inc.	Com	370334104	136,791	1,955	SH		DFND	0	1,555	0	400
Genuine Parts Co.	Com	372460105	1,380,426	8,910	SH		SOLE	0	7,810	0	1,100
Genuine Parts Co.	Com	372460105	145,634	940	SH		DFND	0	940	0	0
Gilead Sciences, Inc	Com	375558103	146,866	2,005	SH		SOLE	0	2,005	0	0
Gilead Sciences, Inc	Com	375558103	129,653	1,770	SH		DFND	0	1,770	0	0
Home Depot, Inc.	Com	437076102	589,210	1,536	SH		SOLE	0	1,390	0	146
Home Depot, Inc.	Com	437076102	92,448	241	SH		DFND	0	241	0	0
Honeywell International, Inc.	Com	438516106	702,776	3,424	SH		SOLE	0	3,424	0	0
Honeywell International, Inc.	Com	438516106	167,484	816	SH		DFND	0	816	0	0
Horizon Bancorp Inc	Com	440407104	5,893,191	459,329	SH		SOLE	0	439,748	0	19,581
Horizon Bancorp Inc	Com	440407104	3,349	261	SH		DFND	0	261	0	0
ITT Inc	Com	45073V108	217,648	1,600	SH		SOLE	0	1,600	0	0
ITT Inc	Com	45073V108	54,412	400	SH		DFND	0	400	0	0
Illinois Tool Works	Com	452308109	2,506,739	9,342	SH		SOLE	0	8,142	0	1,200
Illinois Tool Works	Com	452308109	181,928	678	SH		DFND	0	678	0	0
Intel Corporation	Com	458140100	305,436	6,915	SH		SOLE	0	4,267	0	2,648
Intel Corporation	Com	458140100	138,252	3,130	SH		DFND	0	2,130	0	1,000
International Business Machines Corp.	Com	459200101	222,086	1,163	SH		SOLE	0	1,163	0	0
International Business Machines Corp.	Com	459200101	468,998	2,456	SH		DFND	0	2,056	0	400
Invesco QQQ Trust	Com	46090E103	1,993,605	4,490	SH		SOLE	0	4,480	0	10
Invesco QQQ Trust	Com	46090E103	93,242	210	SH		DFND	0	210	0	0
iShares S&P 100	Com	464287101	18,696,031	75,567	SH		SOLE	0	66,941	0	8,626
iShares S&P 100	Com	464287101	186,052	752	SH		DFND	0	752	0	0
iShares TR Morningstar Large-Cap ETF	Com	464287127	424,819	5,862	SH		SOLE	0	5,862	0	0
iShares Core S&P 500 ETF	Com	464287200	382,206	727	SH		SOLE	0	727	0	0
iShares Core S&P 500 ETF	Com	464287200	25,761	49	SH		DFND	0	49	0	0
iShares MSCI EAFE Index Fund	Com	464287465	4,273,229	53,509	SH		SOLE	0	47,362	0	6,147
iShares MSCI EAFE Index Fund	Com	464287465	66,763	836	SH		DFND	0	836	0	0
S&P Midcap 400 Index Fund I Shares	Com	464287507	14,070,542	231,652	SH		SOLE	0	213,826	185	17,641
S&P Midcap 400 Index Fund I Shares	Com	464287507	236,825	3,899	SH		DFND	0	3,779	0	120
iShares TR Expanded Tech Sector ETF	Com	464287549	213,554	2,478	SH		SOLE	0	2,478	0	0
iShares Cohen & Steers Realty Majors Fund	Com	464287564	255,784	4,433	SH		SOLE	0	3,842	0	591
iShares S&P Midcap 400 Growth	Com	464287606	571,590	6,264	SH		SOLE	0	6,264	0	0
Russell 2000 Index i-shares	Com	464287655	206,725	983	SH		SOLE	0	904	0	79
iShares US Technology Fund	Com	464287721	357,234	2,645	SH		SOLE	0	2,293	0	352
iShares US Technology Fund	Com	464287721	9,589	71	SH		DFND	0	71	0	0
iShares DJ U.S. Healthcare Sector	Com	464287762	294,025	4,750	SH		SOLE	0	4,750	0	0
S&P Smallcap 600 Index Fund I Shares	Com	464287804	22,216,399	201,017	SH		SOLE	0	183,811	103	17,103
S&P Smallcap 600 Index Fund I Shares	Com	464287804	674,061	6,099	SH		DFND	0	6,036	0	63
JPMorgan Chase & Co.	Com	46625H100	15,794,657	78,855	SH		SOLE	0	72,320	24	6,511
JPMorgan Chase & Co.	Com	46625H100	2,014,417	10,057	SH		DFND	0	9,892	0	165
Johnson & Johnson	Com	478160104	6,731,143	42,551	SH		SOLE	0	37,793	0	4,758
Johnson & Johnson	Com	478160104	1,525,901	9,646	SH		DFND	0	8,326	0	1,320
Kimberly-Clark Corp	Com	494368103	328,678	2,541	SH		SOLE	0	2,241	0	300
Kimberly-Clark Corp	Com	494368103	18,368	142	SH		DFND	0	142	0	0
Lamar Advertising Co	Com	512816109	199,534	1,671	SH		SOLE	0	1,671	0	0
Lamar Advertising Co	Com	512816109	20,300	170	SH		DFND	0	170	0	0
Eli Lilly & Co.	Com	532457108	3,603,511	4,632	SH		SOLE	0	3,600	0	1,032
Eli Lilly & Co.	Com	532457108	731,282	940	SH		DFND	0	653	0	287
Lockheed Martin Corp.	Com	539830109	1,080,771	2,376	SH		SOLE	0	2,351	0	25
Lockheed Martin Corp.	Com	539830109	333,420	733	SH		DFND	0	693	0	40
Lowe's Companies	Com	548661107	6,462,245	25,369	SH		SOLE	0	22,747	13	2,609
Lowe's Companies	Com	548661107	555,566	2,181	SH		DFND	0	2,121	0	60
Marsh & McLennan Cos Inc	Com	571748102	12,110,800	58,796	SH		SOLE	0	55,201	23	3,572
Marsh & McLennan Cos Inc	Com	571748102	319,269	1,550	SH		DFND	0	1,550	0	0
Masco Corp.	Com	574599106	4,419,331	56,026	SH		SOLE	0	50,917	38	5,071
Masco Corp.	Com	574599106	123,605	1,567	SH		DFND	0	1,532	0	35
MasterCard Inc	Com	57636Q104	18,712,365	38,857	SH		SOLE	0	36,018	10	2,829
MasterCard Inc	Com	57636Q104	396,332	823	SH		DFND	0	785	0	38
McDonald's Corp	Com	580135101	13,191,877	46,788	SH		SOLE	0	41,867	0	4,921
McDonald's Corp	Com	580135101	3,367,047	11,942	SH		DFND	0	1,942	0	10,000
Merck & Co. Inc	Com	58933Y105	637,450	4,831	SH		SOLE	0	4,831	0	0
Merck & Co. Inc	Com	58933Y105	45,919	348	SH		DFND	0	348	0	0
Microsoft Corp	Com	594918104	11,543,715	27,438	SH		SOLE	0	25,147	13	2,278
Microsoft Corp	Com	594918104	2,311,856	5,495	SH		DFND	0	3,995	0	1,500
NNN RIET Inc	Com	637417106	1,315,623	30,782	SH		SOLE	0	27,596	0	3,186
NNN RIET Inc	Com	637417106	146,726	3,433	SH		DFND	0	2,133	0	1,300
Netflix, Inc.	Com	64110L106	648,628	1,068	SH		SOLE	0	1,068	0	0
Netflix, Inc.	Com	64110L106	12,147	20	SH		DFND	0	20	0	0
Nextera Energy Inc	Com	65339F101	6,160,860	96,399	SH		SOLE	0	73,741	30	22,628
Nextera Energy Inc	Com	65339F101	343,005	5,367	SH		DFND	0	4,367	0	1,000
Nike, Inc.	Com	654106103	6,899,072	73,410	SH		SOLE	0	67,537	10	5,863
Nike, Inc.	Com	654106103	359,192	3,822	SH		DFND	0	3,612	0	210
Northern Trust Corporation	Com	665859104	350,167	3,938	SH		SOLE	0	2,913	0	1,025
Northern Trust Corporation	Com	665859104	77,894	876	SH		DFND	0	876	0	0
Novartis - ADR	Com	66987V109	937,797	9,695	SH		SOLE	0	7,945	0	1,750
Novartis - ADR	Com	66987V109	24,183	250	SH		DFND	0	250	0	0
Novo-Nordisk A/S ADR	Com	670100205	8,544,378	66,545	SH		SOLE	0	60,660	13	5,872
Novo-Nordisk A/S ADR	Com	670100205	264,504	2,060	SH		DFND	0	1,900	0	160
Nvidia Corp.	Com	67066G104	89,739,772	99,318	SH		SOLE	0	90,380	12	8,926
Nvidia Corp.	Com	67066G104	7,358,593	8,144	SH		DFND	0	7,840	0	304
Oneok, Inc.	Com	682680103	340,562	4,248	SH		SOLE	0	2,048	0	2,200
Oneok, Inc.	Com	682680103	318,916	3,978	SH		DFND	0	2,678	0	1,300
Oracle Corp.	Com	68389X105	5,093,360	40,549	SH		SOLE	0	34,689	0	5,860
Oracle Corp.	Com	68389X105	926,499	7,376	SH		DFND	0	7,376	0	0
Palo Alto Networks Inc	Com	697435105	3,304,148	11,629	SH		SOLE	0	10,646	15	968
Palo Alto Networks Inc	Com	697435105	210,540	741	SH		DFND	0	666	0	75
Paychex Inc.	Com	704326107	493,902	4,022	SH		SOLE	0	3,632	0	390
Paychex Inc.	Com	704326107	37,454	305	SH		DFND	0	305	0	0
PayPal Holdings Inc.	Com	70450Y103	276,334	4,125	SH		SOLE	0	3,300	0	825
PayPal Holdings Inc.	Com	70450Y103	20,432	305	SH		DFND	0	305	0	0
Pepsico, Inc.	Com	713448108	13,200,304	75,426	SH		SOLE	0	66,853	7	8,566
Pepsico, Inc.	Com	713448108	1,143,865	6,536	SH		DFND	0	5,876	0	660
Pfizer Inc	Com	717081103	1,262,514	45,496	SH		SOLE	0	43,794	0	1,702
Pfizer Inc	Com	717081103	111,056	4,002	SH		DFND	0	3,752	0	250
Philip Morris International Inc.	Com	718172109	408,808	4,462	SH		SOLE	0	4,462	0	0
Philip Morris International Inc.	Com	718172109	177,743	1,940	SH		DFND	0	1,940	0	0
Phillips 66	Com	718546104	617,915	3,783	SH		SOLE	0	2,708	0	1,075
Phillips 66	Com	718546104	16,334	100	SH		DFND	0	100	0	0
Plains GP Holdings LP	Com	72651A207	102,583	5,621	SH		SOLE	0	5,021	0	600
Plains GP Holdings LP	Com	72651A207	175,255	9,603	SH		DFND	0	8,300	0	1,303
Procter & Gamble Company	Com	742718109	1,676,367	10,332	SH		SOLE	0	9,907	0	425
Procter & Gamble Company	Com	742718109	649,487	4,003	SH		DFND	0	4,003	0	0
Progressive Corporation	Com	743315103	496,368	2,400	SH		SOLE	0	2,400	0	0
Progressive Corporation	Com	743315103	103,410	500	SH		DFND	0	500	0	0
Qualcomm Inc.	Com	747525103	1,451,240	8,572	SH		SOLE	0	8,482	0	90
Qualcomm Inc.	Com	747525103	473,194	2,795	SH		DFND	0	2,795	0	0
RTX Corporation	Com	75513E101	7,956,790	81,583	SH		SOLE	0	73,985	31	7,567
RTX Corporation	Com	75513E101	785,799	8,057	SH		DFND	0	7,597	0	460
Realty Income Corporation	Com	756109104	581,954	10,757	SH		SOLE	0	10,172	0	585
Realty Income Corporation	Com	756109104	114,908	2,124	SH		DFND	0	1,679	0	445
SPDR S&P 500 ETF	Com	78462F103	11,843,351	22,642	SH		SOLE	0	19,535	0	3,107
SPDR S&P 500 ETF	Com	78462F103	1,864,745	3,565	SH		DFND	0	3,565	0	0
KBW Regional Banking Spdr	Com	78464A698	1,040,394	20,692	SH		SOLE	0	19,442	0	1,250
KBW Regional Banking Spdr	Com	78464A698	156,622	3,115	SH		DFND	0	3,115	0	0
SPDR S&P Dividend ETF	Com	78464A763	1,399,806	10,666	SH		SOLE	0	9,466	0	1,200
SPDR S&P Dividend ETF	Com	78464A763	57,352	437	SH		DFND	0	437	0	0
Spdr Dow Jones Industrial Average ETF Trust	Com	78467X109	387,816	975	SH		SOLE	0	875	0	100
SPDR S&P MidCap 400 ETF Trust	Com	78467Y107	9,467,702	17,016	SH		SOLE	0	15,397	0	1,619
SPDR S&P MidCap 400 ETF Trust	Com	78467Y107	405,059	728	SH		DFND	0	728	0	0
SPDR Bloomberg High Yield Bond ETF	Com	78468R622	2,865,996	30,105	SH		SOLE	0	26,522	0	3,583
SPDR Bloomberg High Yield Bond ETF	Com	78468R622	26,656	280	SH		DFND	0	280	0	0
Charles Schwab Corp.	Com	808513105	240,675	3,327	SH		SOLE	0	3,327	0	0
Charles Schwab Corp.	Com	808513105	28,936	400	SH		DFND	0	400	0	0
Consumer Discretionary SPDR	Com	81369Y407	5,707,946	31,040	SH		SOLE	0	26,822	0	4,218
Consumer Discretionary SPDR	Com	81369Y407	396,099	2,154	SH		DFND	0	2,086	0	68
Technology Select Sector Fund	Com	81369Y803	2,141,849	10,284	SH		SOLE	0	5,657	9	4,618
Technology Select Sector Fund	Com	81369Y803	392,381	1,884	SH		DFND	0	1,884	0	0
Communication Services Select Sector SPDR	Com	81369Y852	12,586,174	154,129	SH		SOLE	0	138,895	76	15,158
Communication Services Select Sector SPDR	Com	81369Y852	293,078	3,589	SH		DFND	0	3,364	0	225
Southern Company	Com	842587107	2,215,044	30,876	SH		SOLE	0	23,226	0	7,650
Southern Company	Com	842587107	263,286	3,670	SH		DFND	0	2,570	0	1,100
Stryker Corp	Com	863667101	12,349,020	34,507	SH		SOLE	0	31,481	14	3,012
Stryker Corp	Com	863667101	2,137,558	5,973	SH		DFND	0	5,973	0	0
Sysco Corporation	Com	871829107	4,901,811	60,382	SH		SOLE	0	53,241	32	7,109
Sysco Corporation	Com	871829107	235,422	2,900	SH		DFND	0	2,685	0	215
TJX Companies	Com	872540109	7,466,338	73,618	SH		SOLE	0	69,081	36	4,501
TJX Companies	Com	872540109	341,380	3,366	SH		DFND	0	3,366	0	0
Target Corp.	Com	87612E106	215,310	1,215	SH		SOLE	0	1,215	0	0
Target Corp.	Com	87612E106	141,236	797	SH		DFND	0	797	0	0
Thermo Fisher Scientific, Inc.	Com	883556102	8,593,190	14,785	SH		SOLE	0	12,603	8	2,174
Thermo Fisher Scientific, Inc.	Com	883556102	195,868	337	SH		DFND	0	260	0	77
3M Company	Com	88579Y101	332,423	3,134	SH		SOLE	0	2,834	0	300
3M Company	Com	88579Y101	176,607	1,665	SH		DFND	0	1,665	0	0
Truist Financial Corp	Com	89832Q109	205,892	5,282	SH		SOLE	0	5,232	0	50
Truist Financial Corp	Com	89832Q109	35,472	910	SH		DFND	0	910	0	0
Union Pacific Corp	Com	907818108	226,747	922	SH		SOLE	0	922	0	0
United Parcel Service	Com	911312106	785,510	5,285	SH		SOLE	0	4,885	0	400
United Parcel Service	Com	911312106	358,496	2,412	SH		DFND	0	2,412	0	0
UnitedHealth Group, Inc.	Com	91324P102	5,824,598	11,774	SH		SOLE	0	10,789	6	979
UnitedHealth Group, Inc.	Com	91324P102	234,488	474	SH		DFND	0	474	0	0
VanEck Vectors Morningstar Wide Moat ETF	Com	92189F643	19,212,259	213,707	SH		SOLE	0	186,863	0	26,844
VanEck Vectors Morningstar Wide Moat ETF	Com	92189F643	219,626	2,443	SH		DFND	0	2,443	0	0
Vanguard Intermediate-Term Bond Fund ETF	Com	921937819	2,807,971	37,241	SH		SOLE	0	35,172	0	2,069
Vanguard Intermediate-Term Bond Fund ETF	Com	921937819	54,062	717	SH		DFND	0	717	0	0
Vanguard Short-Term Bond ETF	Com	921937827	4,288,920	55,940	SH		SOLE	0	52,619	0	3,321
Vanguard Short-Term Bond ETF	Com	921937827	76,593	999	SH		DFND	0	999	0	0
Vanguard Short Term Corporate Bond ETF	Com	92206C409	5,615,025	72,630	SH		SOLE	0	68,115	0	4,515
Vanguard Short Term Corporate Bond ETF	Com	92206C409	91,767	1,187	SH		DFND	0	1,187	0	0
Ventas, Inc	Com	92276F100	249,179	5,723	SH		SOLE	0	5,723	0	0
Ventas, Inc	Com	92276F100	30,913	710	SH		DFND	0	710	0	0
Vanguard S&P 500 Index Fund	Com	922908363	631,640	1,314	SH		SOLE	0	1,314	0	0
Vanguard Real Estate ETF	Com	922908553	217,930	2,520	SH		SOLE	0	2,520	0	0
Vanguard Real Estate ETF	Com	922908553	8,648	100	SH		DFND	0	100	0	0
Vanguard US Total Stock Market ETF	Com	922908769	639,874	2,462	SH		SOLE	0	2,462	0	0
Verizon Communications	Com	92343V104	1,518,239	36,183	SH		SOLE	0	33,655	0	2,528
Verizon Communications	Com	92343V104	346,170	8,250	SH		DFND	0	7,250	0	1,000
Visa Inc Class A	Com	92826C839	641,884	2,300	SH		SOLE	0	2,300	0	0
Visa Inc Class A	Com	92826C839	142,331	510	SH		DFND	0	510	0	0
Vistra Corp	Com	92840M102	132,335	1,900	SH		SOLE	0	1,900	0	0
Vistra Corp	Com	92840M102	132,335	1,900	SH		DFND	0	1,900	0	0
Wal-Mart Stores, Inc.	Com	931142103	526,668	8,753	SH		SOLE	0	7,253	0	1,500
Wal-Mart Stores, Inc.	Com	931142103	241,883	4,020	SH		DFND	0	4,020	0	0
Waste Management, Inc.	Com	94106L109	655,436	3,075	SH		SOLE	0	3,075	0	0
Waste Management, Inc.	Com	94106L109	213,150	1,000	SH		DFND	0	1,000	0	0
Welltower Inc	Com	95040Q104	4,789,174	51,254	SH		SOLE	0	48,091	20	3,143
Welltower Inc	Com	95040Q104	259,203	2,774	SH		DFND	0	2,774	0	0
Williams Companies, Inc.	Com	969457100	770,554	19,773	SH		SOLE	0	19,398	0	375
Williams Companies, Inc.	Com	969457100	206,541	5,300	SH		DFND	0	4,300	0	1,000
Accenture PLC	Com	G1151C101	2,698,012	7,784	SH		SOLE	0	6,249	0	1,535
Accenture PLC	Com	G1151C101	1,752,114	5,055	SH		DFND	0	5,055	0	0
Eaton Corp PLC	Com	G29183103	307,052	982	SH		SOLE	0	982	0	0
Eaton Corp PLC	Com	G29183103	312,680	1,000	SH		DFND	0	1,000	0	0
Linde PLC	Com	G54950103	1,420,355	3,059	SH		SOLE	0	2,555	0	504
Linde PLC	Com	G54950103	46,432	100	SH		DFND	0	100	0	0
Medtronic PLC	Com	G5960L103	234,346	2,689	SH		SOLE	0	2,589	0	100
Medtronic PLC	Com	G5960L103	111,029	1,274	SH		DFND	0	1,274	0	0