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	159,702	8,357	SH		SOLE	0	8,357	0	0
AT & T Inc.	Com	00206R102	112,023	5,862	SH		DFND	0	5,862	0	0
Abbott Laboratories	Com	002824100	2,975,359	28,634	SH		SOLE	0	24,368	0	4,266
Abbott Laboratories	Com	002824100	1,326,931	12,770	SH		DFND	0	12,770	0	0
AbbVie Inc.	Com	00287Y109	2,431,982	14,179	SH		SOLE	0	13,229	0	950
AbbVie Inc.	Com	00287Y109	898,765	5,240	SH		DFND	0	5,240	0	0
Adobe Systems, Inc.	Com	00724F101	9,845,835	17,723	SH		SOLE	0	16,141	9	1,573
Adobe Systems, Inc.	Com	00724F101	479,987	864	SH		DFND	0	864	0	0
Advanced Micro Devices, Inc.	Com	007903107	338,532	2,087	SH		SOLE	0	2,087	0	0
Advanced Micro Devices, Inc.	Com	007903107	104,301	643	SH		DFND	0	643	0	0
Air Products And Chemicals, Inc.	Com	009158106	3,999,517	15,499	SH		SOLE	0	14,864	0	635
Air Products And Chemicals, Inc.	Com	009158106	988,848	3,832	SH		DFND	0	3,832	0	0
Albemarle Corp.	Com	012653101	4,488,485	46,990	SH		SOLE	0	42,899	25	4,066
Albemarle Corp.	Com	012653101	206,228	2,159	SH		DFND	0	2,159	0	0
Alphabet Inc Class C	Com	02079K107	26,233,095	143,022	SH		SOLE	0	131,119	24	11,879
Alphabet Inc Class C	Com	02079K107	2,082,000	11,351	SH		DFND	0	11,351	0	0
Alphabet Inc Class A	Com	02079K305	3,932,072	21,587	SH		SOLE	0	21,587	0	0
Alphabet Inc Class A	Com	02079K305	1,078,874	5,923	SH		DFND	0	5,923	0	0
Altria Group Inc	Com	02209S103	244,467	5,367	SH		SOLE	0	3,867	0	1,500
Altria Group Inc	Com	02209S103	99,299	2,180	SH		DFND	0	2,180	0	0
Amazon.com Inc.	Com	023135106	1,551,604	8,029	SH		SOLE	0	7,759	0	270
Amazon.com Inc.	Com	023135106	1,133,411	5,865	SH		DFND	0	5,865	0	0
American Electric Power Co.	Com	025537101	288,401	3,287	SH		SOLE	0	3,287	0	0
American Electric Power Co.	Com	025537101	85,108	970	SH		DFND	0	970	0	0
American Express Company	Com	025816109	398,729	1,722	SH		SOLE	0	1,722	0	0
American Express Company	Com	025816109	11,809	51	SH		DFND	0	51	0	0
Cencora Inc	Com	03073E105	1,955,153	8,678	SH		SOLE	0	7,977	7	694
Amgen Inc.	Com	031162100	1,472,577	4,713	SH		SOLE	0	4,713	0	0
Amgen Inc.	Com	031162100	82,799	265	SH		DFND	0	265	0	0
Elevance Health Inc	Com	036752103	367,923	679	SH		SOLE	0	679	0	0
Elevance Health Inc	Com	036752103	27,093	50	SH		DFND	0	50	0	0
Apple, Inc.	Com	037833100	42,727,848	202,867	SH		SOLE	0	186,745	15	16,107
Apple, Inc.	Com	037833100	5,952,964	28,264	SH		DFND	0	23,664	0	4,600
Automatic Data Processing	Com	053015103	3,345,718	14,017	SH		SOLE	0	11,617	0	2,400
Automatic Data Processing	Com	053015103	1,329,503	5,570	SH		DFND	0	5,570	0	0
Bank Of America Corp.	Com	060505104	169,420	4,260	SH		SOLE	0	4,260	0	0
Bank Of America Corp.	Com	060505104	74,092	1,863	SH		DFND	0	1,863	0	0
Bank of Montreal	Com	063671101	318,462	3,798	SH		SOLE	0	1,698	0	2,100
Bank of Montreal	Com	063671101	198,725	2,370	SH		DFND	0	2,370	0	0
Berkshire Hathaway Inc Class A	Com	084670108	1,224,482	2	SH		SOLE	0	0	0	2
Berkshire Hathaway Inc Cl B	Com	084670702	18,364,172	45,143	SH		SOLE	0	40,940	13	4,190
Berkshire Hathaway Inc Cl B	Com	084670702	515,416	1,267	SH		DFND	0	1,267	0	0
Berry Global Group Inc	Com	08579W103	4,739,367	80,533	SH		SOLE	0	73,859	50	6,624
Berry Global Group Inc	Com	08579W103	168,311	2,860	SH		DFND	0	2,860	0	0
Blackrock, Inc.	Com	09247X101	6,956,760	8,836	SH		SOLE	0	8,065	0	771
Blackrock, Inc.	Com	09247X101	218,088	277	SH		DFND	0	277	0	0
Blackstone Group Inc	Com	09260D107	6,740,167	54,444	SH		SOLE	0	50,524	37	3,883
Blackstone Group Inc	Com	09260D107	338,345	2,733	SH		DFND	0	2,733	0	0
Boeing Company	Com	097023105	5,369,841	29,503	SH		SOLE	0	26,045	8	3,450
Boeing Company	Com	097023105	559,135	3,072	SH		DFND	0	3,072	0	0
Broadcom Inc	Com	11135F101	208,719	130	SH		SOLE	0	130	0	0
Broadcom Inc	Com	11135F101	16,055	10	SH		DFND	0	10	0	0
CDW Corporation	Com	12514G108	4,445,462	19,860	SH		SOLE	0	18,634	18	1,208
CDW Corporation	Com	12514G108	211,976	947	SH		DFND	0	947	0	0
CSX Corporation	Com	126408103	904,187	27,031	SH		SOLE	0	9,631	0	17,400
CSX Corporation	Com	126408103	150,525	4,500	SH		DFND	0	4,500	0	0
CVS Health	Com	126650100	152,552	2,583	SH		SOLE	0	2,478	0	105
CVS Health	Com	126650100	208,954	3,538	SH		DFND	0	3,538	0	0
Canadian National Railway	Com	136375102	10,232,421	86,620	SH		SOLE	0	79,974	25	6,621
Canadian National Railway	Com	136375102	1,141,490	9,663	SH		DFND	0	9,663	0	0
Capital One Financial Corporation	Com	14040H105	243,672	1,760	SH		SOLE	0	1,760	0	0
Caterpillar, Inc.	Com	149123101	506,645	1,521	SH		SOLE	0	1,371	0	150
Caterpillar, Inc.	Com	149123101	146,564	440	SH		DFND	0	440	0	0
Chevron Corp	Com	166764100	1,654,454	10,577	SH		SOLE	0	9,305	0	1,272
Chevron Corp	Com	166764100	521,974	3,337	SH		DFND	0	2,737	0	600
Cisco Systems, Inc.	Com	17275R102	238,785	5,026	SH		SOLE	0	4,026	0	1,000
Cisco Systems, Inc.	Com	17275R102	78,059	1,643	SH		DFND	0	443	0	1,200
Cleveland Cliffs Inc	Com	185899101	153,900	10,000	SH		DFND	0	10,000	0	0
Coca Cola Company	Com	191216100	468,910	7,367	SH		SOLE	0	7,367	0	0
Coca Cola Company	Com	191216100	66,896	1,051	SH		DFND	0	1,051	0	0
Cognizant Technology Solutions Corp	Com	192446102	306,544	4,508	SH		SOLE	0	3,741	0	767
Cognizant Technology Solutions Corp	Com	192446102	10,540	155	SH		DFND	0	155	0	0
Colgate-Palmolive Company	Com	194162103	948,081	9,770	SH		SOLE	0	7,870	0	1,900
Colgate-Palmolive Company	Com	194162103	668,606	6,890	SH		DFND	0	6,890	0	0
Comcast Corp Class A	Com	20030N101	383,807	9,801	SH		SOLE	0	9,601	0	200
Comcast Corp Class A	Com	20030N101	23,457	599	SH		DFND	0	599	0	0
Consolidated Edison Inc.	Com	209115104	315,742	3,531	SH		SOLE	0	3,531	0	0
Constellation Brands Inc - A	Com	21036P108	8,154,490	31,695	SH		SOLE	0	28,547	8	3,140
Constellation Brands Inc - A	Com	21036P108	468,507	1,821	SH		DFND	0	1,821	0	0
Costco Wholesale Corp	Com	22160K105	21,507,297	25,303	SH		SOLE	0	22,888	4	2,411
Costco Wholesale Corp	Com	22160K105	592,443	697	SH		DFND	0	697	0	0
Cummins, Inc.	Com	231021106	585,707	2,115	SH		SOLE	0	2,115	0	0
Cummins, Inc.	Com	231021106	1,005,256	3,630	SH		DFND	0	3,530	0	100
Danaher Inc	Com	235851102	875,724	3,505	SH		SOLE	0	3,075	0	430
Danaher Inc	Com	235851102	193,634	775	SH		DFND	0	775	0	0
Deere & Co.	Com	244199105	9,960,602	26,659	SH		SOLE	0	24,770	8	1,881
Deere & Co.	Com	244199105	357,190	956	SH		DFND	0	856	0	100
Walt Disney Co	Com	254687106	5,425,901	54,647	SH		SOLE	0	49,292	44	5,311
Walt Disney Co	Com	254687106	260,041	2,619	SH		DFND	0	2,219	0	400
Dominion Energy Inc.	Com	25746U109	220,304	4,496	SH		SOLE	0	3,846	0	650
Dominion Energy Inc.	Com	25746U109	4,900	100	SH		DFND	0	100	0	0
Dover Corp	Com	260003108	197,232	1,093	SH		SOLE	0	1,093	0	0
Dover Corp	Com	260003108	660,086	3,658	SH		DFND	0	3,658	0	0
Duke Energy Corp	Com	26441C204	584,742	5,834	SH		SOLE	0	5,574	0	260
Duke Energy Corp	Com	26441C204	248,169	2,476	SH		DFND	0	2,476	0	0
EOG Resources, Inc	Com	26875P101	3,691,138	29,325	SH		SOLE	0	27,054	21	2,250
EOG Resources, Inc	Com	26875P101	166,904	1,326	SH		DFND	0	1,326	0	0
Ecolab Inc.	Com	278865100	4,626,720	19,440	SH		SOLE	0	18,029	13	1,398
Ecolab Inc.	Com	278865100	837,760	3,520	SH		DFND	0	3,520	0	0
Emerson Corp.	Com	291011104	2,620,266	23,786	SH		SOLE	0	20,027	0	3,759
Emerson Corp.	Com	291011104	201,372	1,828	SH		DFND	0	1,828	0	0
Enbridge Inc	Com	29250N105	5,449,470	153,118	SH		SOLE	0	142,160	99	10,859
Enbridge Inc	Com	29250N105	454,022	12,757	SH		DFND	0	12,757	0	0
Exxon Mobil Corp.	Com	30231G102	10,340,424	89,823	SH		SOLE	0	82,936	25	6,862
Exxon Mobil Corp.	Com	30231G102	1,662,448	14,441	SH		DFND	0	14,441	0	0
Meta Platforms Inc.	Com	30303M102	3,270,371	6,486	SH		SOLE	0	5,911	0	575
Meta Platforms Inc.	Com	30303M102	171,939	341	SH		DFND	0	341	0	0
First Source Corp	Com	336901103	96,087	1,792	SH		SOLE	0	1,792	0	0
First Source Corp	Com	336901103	116,195	2,167	SH		DFND	0	1,001	0	1,166
Fiserv Inc	Com	337738108	178,252	1,196	SH		SOLE	0	696	0	500
Fiserv Inc	Com	337738108	79,289	532	SH		DFND	0	532	0	0
Flexshares Credit Scored US Corp Bond Fund	Com	33939L761	13,776,601	290,217	SH		SOLE	0	275,805	0	14,412
Flexshares Credit Scored US Corp Bond Fund	Com	33939L761	549,608	11,578	SH		DFND	0	11,578	0	0
Flexshares Developed ex-US Factor Tilt Fund	Com	33939L803	8,234,489	117,787	SH		SOLE	0	110,413	130	7,244
Flexshares Developed ex-US Factor Tilt Fund	Com	33939L803	141,568	2,025	SH		DFND	0	2,025	0	0
General Dynamics	Com	369550108	400,973	1,382	SH		SOLE	0	1,327	0	55
General Dynamics	Com	369550108	29,014	100	SH		DFND	0	100	0	0
General Mills Inc.	Com	370334104	1,198,397	18,944	SH		SOLE	0	17,544	0	1,400
General Mills Inc.	Com	370334104	120,510	1,905	SH		DFND	0	1,605	0	300
Genuine Parts Co.	Com	372460105	1,265,351	9,148	SH		SOLE	0	8,048	0	1,100
Genuine Parts Co.	Com	372460105	143,853	1,040	SH		DFND	0	1,040	0	0
Gilead Sciences, Inc	Com	375558103	137,220	2,000	SH		SOLE	0	2,000	0	0
Gilead Sciences, Inc	Com	375558103	100,857	1,470	SH		DFND	0	1,470	0	0
Home Depot, Inc.	Com	437076102	472,986	1,374	SH		SOLE	0	1,228	0	146
Home Depot, Inc.	Com	437076102	139,761	406	SH		DFND	0	406	0	0
Honeywell International, Inc.	Com	438516106	721,765	3,380	SH		SOLE	0	3,380	0	0
Honeywell International, Inc.	Com	438516106	174,249	816	SH		DFND	0	816	0	0
Horizon Bancorp Inc	Com	440407104	5,632,828	455,362	SH		SOLE	0	435,781	0	19,581
Horizon Bancorp Inc	Com	440407104	6,754	546	SH		DFND	0	546	0	0
ITT Inc	Com	45073V108	206,688	1,600	SH		SOLE	0	1,600	0	0
ITT Inc	Com	45073V108	51,672	400	SH		DFND	0	400	0	0
Illinois Tool Works	Com	452308109	2,157,047	9,103	SH		SOLE	0	7,903	0	1,200
Illinois Tool Works	Com	452308109	189,094	798	SH		DFND	0	798	0	0
Intel Corporation	Com	458140100	165,597	5,347	SH		SOLE	0	5,047	0	300
Intel Corporation	Com	458140100	62,869	2,030	SH		DFND	0	2,030	0	0
International Business Machines Corp.	Com	459200101	150,121	868	SH		SOLE	0	868	0	0
International Business Machines Corp.	Com	459200101	424,765	2,456	SH		DFND	0	2,056	0	400
Invesco QQQ Trust	Com	46090E103	2,113,833	4,412	SH		SOLE	0	4,402	0	10
Invesco QQQ Trust	Com	46090E103	100,613	210	SH		DFND	0	210	0	0
iShares S&P 100	Com	464287101	20,201,771	76,435	SH		SOLE	0	67,988	0	8,447
iShares S&P 100	Com	464287101	173,117	655	SH		DFND	0	655	0	0
iShares TR Morningstar Large-Cap ETF	Com	464287127	440,647	5,862	SH		SOLE	0	5,862	0	0
iShares Core S&P 500 ETF	Com	464287200	265,954	486	SH		SOLE	0	486	0	0
iShares Core S&P 500 ETF	Com	464287200	26,814	49	SH		DFND	0	49	0	0
iShares MSCI EAFE Index Fund	Com	464287465	4,212,822	53,783	SH		SOLE	0	47,730	0	6,053
iShares MSCI EAFE Index Fund	Com	464287465	62,899	803	SH		DFND	0	803	0	0
S&P Midcap 400 Index Fund I Shares	Com	464287507	14,794,090	252,804	SH		SOLE	0	235,090	185	17,529
S&P Midcap 400 Index Fund I Shares	Com	464287507	238,996	4,084	SH		DFND	0	4,084	0	0
iShares TR Expanded Tech Sector ETF	Com	464287549	222,383	2,358	SH		SOLE	0	2,358	0	0
iShares S&P Midcap 400 Growth	Com	464287606	541,348	6,144	SH		SOLE	0	6,144	0	0
iShares US Technology Fund	Com	464287721	359,244	2,387	SH		SOLE	0	2,355	0	32
iShares US Technology Fund	Com	464287721	16,104	107	SH		DFND	0	107	0	0
iShares DJ U.S. Healthcare Sector	Com	464287762	291,033	4,750	SH		SOLE	0	4,750	0	0
S&P Smallcap 600 Index Fund I Shares	Com	464287804	22,900,969	214,710	SH		SOLE	0	197,255	103	17,352
S&P Smallcap 600 Index Fund I Shares	Com	464287804	649,879	6,093	SH		DFND	0	6,093	0	0
JPMorgan Chase & Co.	Com	46625H100	15,589,999	77,079	SH		SOLE	0	70,663	24	6,392
JPMorgan Chase & Co.	Com	46625H100	2,050,310	10,137	SH		DFND	0	10,137	0	0
Johnson & Johnson	Com	478160104	5,571,327	38,118	SH		SOLE	0	33,775	0	4,343
Johnson & Johnson	Com	478160104	1,417,167	9,696	SH		DFND	0	8,596	0	1,100
Kimberly-Clark Corp	Com	494368103	345,362	2,499	SH		SOLE	0	2,499	0	0
Kimberly-Clark Corp	Com	494368103	19,624	142	SH		DFND	0	142	0	0
Lamar Advertising Co	Com	512816109	229,856	1,923	SH		SOLE	0	1,923	0	0
Lamar Advertising Co	Com	512816109	20,320	170	SH		DFND	0	170	0	0
Eli Lilly & Co.	Com	532457108	4,131,249	4,563	SH		SOLE	0	4,414	0	149
Eli Lilly & Co.	Com	532457108	851,057	940	SH		DFND	0	940	0	0
Lockheed Martin Corp.	Com	539830109	1,065,455	2,281	SH		SOLE	0	2,256	0	25
Lockheed Martin Corp.	Com	539830109	342,384	733	SH		DFND	0	733	0	0
Lowe's Companies	Com	548661107	5,754,447	26,102	SH		SOLE	0	24,611	13	1,478
Lowe's Companies	Com	548661107	510,144	2,314	SH		DFND	0	2,314	0	0
Marsh & McLennan Cos Inc	Com	571748102	12,405,508	58,872	SH		SOLE	0	55,357	23	3,492
Marsh & McLennan Cos Inc	Com	571748102	349,795	1,660	SH		DFND	0	1,660	0	0
Masco Corp.	Com	574599106	3,893,195	58,395	SH		SOLE	0	53,024	38	5,333
Masco Corp.	Com	574599106	111,206	1,668	SH		DFND	0	1,668	0	0
MasterCard Inc	Com	57636Q104	17,194,652	38,976	SH		SOLE	0	36,191	10	2,775
MasterCard Inc	Com	57636Q104	370,133	839	SH		DFND	0	839	0	0
McDonald's Corp	Com	580135101	11,825,850	46,405	SH		SOLE	0	45,273	0	1,132
McDonald's Corp	Com	580135101	3,103,696	12,179	SH		DFND	0	12,179	0	0
Merck & Co. Inc	Com	58933Y105	606,620	4,900	SH		SOLE	0	4,900	0	0
Merck & Co. Inc	Com	58933Y105	43,082	348	SH		DFND	0	348	0	0
Microsoft Corp	Com	594918104	12,828,359	28,702	SH		SOLE	0	26,801	13	1,888
Microsoft Corp	Com	594918104	2,472,527	5,532	SH		DFND	0	4,032	0	1,500
NNN RIET Inc	Com	637417106	1,258,830	29,550	SH		SOLE	0	27,695	0	1,855
NNN RIET Inc	Com	637417106	146,246	3,433	SH		DFND	0	3,433	0	0
Netflix, Inc.	Com	64110L106	716,723	1,062	SH		SOLE	0	1,062	0	0
Netflix, Inc.	Com	64110L106	13,498	20	SH		DFND	0	20	0	0
Nextera Energy Inc	Com	65339F101	7,377,340	104,185	SH		SOLE	0	84,637	30	19,518
Nextera Energy Inc	Com	65339F101	463,522	6,546	SH		DFND	0	6,546	0	0
Nike, Inc.	Com	654106103	5,432,896	72,083	SH		SOLE	0	66,445	10	5,628
Nike, Inc.	Com	654106103	291,833	3,872	SH		DFND	0	3,872	0	0
Northern Trust Corporation	Com	665859104	309,046	3,680	SH		SOLE	0	3,205	0	475
Northern Trust Corporation	Com	665859104	73,566	876	SH		DFND	0	876	0	0
Novartis - ADR	Com	66987V109	992,101	9,319	SH		SOLE	0	7,569	0	1,750
Novartis - ADR	Com	66987V109	26,615	250	SH		DFND	0	250	0	0
Novo-Nordisk A/S ADR	Com	670100205	13,214,156	92,575	SH		SOLE	0	84,771	34	7,770
Novo-Nordisk A/S ADR	Com	670100205	396,532	2,778	SH		DFND	0	2,778	0	0
Nvidia Corp.	Com	67066G104	117,058,845	947,538	SH		SOLE	0	862,897	120	84,521
Nvidia Corp.	Com	67066G104	10,456,673	84,642	SH		DFND	0	84,642	0	0
Oneok, Inc.	Com	682680103	351,644	4,312	SH		SOLE	0	2,298	0	2,014
Oneok, Inc.	Com	682680103	324,406	3,978	SH		DFND	0	3,978	0	0
Oracle Corp.	Com	68389X105	5,436,059	38,499	SH		SOLE	0	32,639	0	5,860
Oracle Corp.	Com	68389X105	1,055,611	7,476	SH		DFND	0	7,476	0	0
Palo Alto Networks Inc	Com	697435105	5,898,774	17,400	SH		SOLE	0	16,186	15	1,199
Palo Alto Networks Inc	Com	697435105	317,313	936	SH		DFND	0	936	0	0
Paychex Inc.	Com	704326107	442,229	3,730	SH		SOLE	0	3,340	0	390
Paychex Inc.	Com	704326107	47,424	400	SH		DFND	0	400	0	0
PayPal Holdings Inc.	Com	70450Y103	207,457	3,575	SH		SOLE	0	2,750	0	825
PayPal Holdings Inc.	Com	70450Y103	17,699	305	SH		DFND	0	305	0	0
Pepsico, Inc.	Com	713448108	12,415,271	75,276	SH		SOLE	0	67,092	7	8,177
Pepsico, Inc.	Com	713448108	1,095,135	6,640	SH		DFND	0	6,240	0	400
Pfizer Inc	Com	717081103	562,174	20,092	SH		SOLE	0	19,240	0	852
Pfizer Inc	Com	717081103	80,498	2,877	SH		DFND	0	2,877	0	0
Philip Morris International Inc.	Com	718172109	436,935	4,312	SH		SOLE	0	4,312	0	0
Philip Morris International Inc.	Com	718172109	211,780	2,090	SH		DFND	0	2,090	0	0
Phillips 66	Com	718546104	539,693	3,823	SH		SOLE	0	2,748	0	1,075
Phillips 66	Com	718546104	14,117	100	SH		DFND	0	100	0	0
Plains GP Holdings LP	Com	72651A207	86,045	4,572	SH		SOLE	0	3,972	0	600
Plains GP Holdings LP	Com	72651A207	180,728	9,603	SH		DFND	0	9,603	0	0
Procter & Gamble Company	Com	742718109	1,656,951	10,047	SH		SOLE	0	9,622	0	425
Procter & Gamble Company	Com	742718109	660,175	4,003	SH		DFND	0	4,003	0	0
Progressive Corporation	Com	743315103	498,504	2,400	SH		SOLE	0	2,400	0	0
Progressive Corporation	Com	743315103	103,855	500	SH		DFND	0	500	0	0
Qualcomm Inc.	Com	747525103	1,515,561	7,609	SH		SOLE	0	7,519	0	90
Qualcomm Inc.	Com	747525103	574,634	2,885	SH		DFND	0	2,885	0	0
RTX Corporation	Com	75513E101	8,083,302	80,519	SH		SOLE	0	73,114	31	7,374
RTX Corporation	Com	75513E101	819,885	8,167	SH		DFND	0	8,167	0	0
Realty Income Corporation	Com	756109104	506,333	9,586	SH		SOLE	0	9,001	0	585
Realty Income Corporation	Com	756109104	109,179	2,067	SH		DFND	0	2,067	0	0
SPDR S&P 500 ETF	Com	78462F103	12,333,658	22,663	SH		SOLE	0	19,595	0	3,068
SPDR S&P 500 ETF	Com	78462F103	1,940,144	3,565	SH		DFND	0	3,565	0	0
KBW Regional Banking Spdr	Com	78464A698	865,977	17,637	SH		SOLE	0	16,487	0	1,150
KBW Regional Banking Spdr	Com	78464A698	156,384	3,185	SH		DFND	0	3,185	0	0
SPDR S&P Dividend ETF	Com	78464A763	1,260,735	9,913	SH		SOLE	0	9,213	0	700
SPDR S&P Dividend ETF	Com	78464A763	55,578	437	SH		DFND	0	437	0	0
Spdr Dow Jones Industrial Average ETF Trust	Com	78467X109	326,594	835	SH		SOLE	0	760	0	75
SPDR S&P MidCap 400 ETF Trust	Com	78467Y107	9,047,668	16,909	SH		SOLE	0	15,290	0	1,619
SPDR S&P MidCap 400 ETF Trust	Com	78467Y107	402,915	753	SH		DFND	0	753	0	0
SPDR Bloomberg High Yield Bond ETF	Com	78468R622	3,033,420	32,178	SH		SOLE	0	28,580	0	3,598
SPDR Bloomberg High Yield Bond ETF	Com	78468R622	21,588	229	SH		DFND	0	229	0	0
Charles Schwab Corp.	Com	808513105	233,303	3,166	SH		SOLE	0	3,166	0	0
Charles Schwab Corp.	Com	808513105	29,476	400	SH		DFND	0	400	0	0
Consumer Discretionary SPDR	Com	81369Y407	5,594,755	30,673	SH		SOLE	0	26,560	0	4,113
Consumer Discretionary SPDR	Com	81369Y407	432,106	2,369	SH		DFND	0	2,369	0	0
Technology Select Sector Fund	Com	81369Y803	2,390,572	10,567	SH		SOLE	0	5,940	9	4,618
Technology Select Sector Fund	Com	81369Y803	427,348	1,889	SH		DFND	0	1,889	0	0
Communication Services Select Sector SPDR	Com	81369Y852	12,115,151	141,433	SH		SOLE	0	126,909	76	14,448
Communication Services Select Sector SPDR	Com	81369Y852	252,012	2,942	SH		DFND	0	2,942	0	0
Southern Company	Com	842587107	2,132,865	27,496	SH		SOLE	0	22,146	0	5,350
Southern Company	Com	842587107	278,864	3,595	SH		DFND	0	3,595	0	0
Stryker Corp	Com	863667101	12,109,838	35,591	SH		SOLE	0	32,506	14	3,071
Stryker Corp	Com	863667101	2,048,305	6,020	SH		DFND	0	6,020	0	0
Sysco Corporation	Com	871829107	4,268,051	59,785	SH		SOLE	0	53,100	32	6,653
Sysco Corporation	Com	871829107	207,031	2,900	SH		DFND	0	2,900	0	0
TJX Companies	Com	872540109	8,238,122	74,824	SH		SOLE	0	70,352	36	4,436
TJX Companies	Com	872540109	387,882	3,523	SH		DFND	0	3,523	0	0
Target Corp.	Com	87612E106	182,829	1,235	SH		SOLE	0	1,235	0	0
Target Corp.	Com	87612E106	117,988	797	SH		DFND	0	797	0	0
Thermo Fisher Scientific, Inc.	Com	883556102	8,153,432	14,744	SH		SOLE	0	12,734	8	2,002
Thermo Fisher Scientific, Inc.	Com	883556102	225,071	407	SH		DFND	0	407	0	0
3M Company	Com	88579Y101	248,935	2,436	SH		SOLE	0	2,136	0	300
3M Company	Com	88579Y101	170,146	1,665	SH		DFND	0	1,665	0	0
Truist Financial Corp	Com	89832Q109	172,844	4,449	SH		SOLE	0	4,399	0	50
Truist Financial Corp	Com	89832Q109	32,634	840	SH		DFND	0	840	0	0
Union Pacific Corp	Com	907818108	212,458	939	SH		SOLE	0	939	0	0
United Parcel Service	Com	911312106	704,367	5,147	SH		SOLE	0	4,747	0	400
United Parcel Service	Com	911312106	330,082	2,412	SH		DFND	0	2,412	0	0
UnitedHealth Group, Inc.	Com	91324P102	6,776,214	13,306	SH		SOLE	0	12,250	6	1,050
UnitedHealth Group, Inc.	Com	91324P102	256,158	503	SH		DFND	0	503	0	0
VanEck Vectors Morningstar Wide Moat ETF	Com	92189F643	19,539,736	225,606	SH		SOLE	0	199,337	0	26,269
VanEck Vectors Morningstar Wide Moat ETF	Com	92189F643	184,653	2,132	SH		DFND	0	2,132	0	0
Vanguard Intermediate-Term Bond Fund ETF	Com	921937819	3,122,014	41,688	SH		SOLE	0	39,537	0	2,151
Vanguard Intermediate-Term Bond Fund ETF	Com	921937819	53,397	713	SH		DFND	0	713	0	0
Vanguard Short-Term Bond ETF	Com	921937827	4,503,671	58,718	SH		SOLE	0	55,435	0	3,283
Vanguard Short-Term Bond ETF	Com	921937827	91,043	1,187	SH		DFND	0	1,187	0	0
Vanguard Short Term Corporate Bond ETF	Com	92206C409	5,855,979	75,781	SH		SOLE	0	71,349	0	4,432
Vanguard Short Term Corporate Bond ETF	Com	92206C409	93,889	1,215	SH		DFND	0	1,215	0	0
Vanguard Intermediate-Term Corp Bond ETF	Com	92206C870	336,425	4,209	SH		SOLE	0	4,209	0	0
Ventas, Inc	Com	92276F100	170,593	3,328	SH		SOLE	0	3,328	0	0
Ventas, Inc	Com	92276F100	36,395	710	SH		DFND	0	710	0	0
Vanguard Real Estate ETF	Com	922908553	194,072	2,317	SH		SOLE	0	2,317	0	0
Vanguard Real Estate ETF	Com	922908553	8,376	100	SH		DFND	0	100	0	0
Vanguard US Total Stock Market ETF	Com	922908769	629,184	2,352	SH		SOLE	0	2,352	0	0
Verizon Communications	Com	92343V104	1,134,677	27,514	SH		SOLE	0	26,664	0	850
Verizon Communications	Com	92343V104	338,168	8,200	SH		DFND	0	8,200	0	0
Visa Inc Class A	Com	92826C839	627,566	2,391	SH		SOLE	0	2,391	0	0
Visa Inc Class A	Com	92826C839	133,860	510	SH		DFND	0	510	0	0
Vistra Corp	Com	92840M102	146,166	1,700	SH		SOLE	0	1,700	0	0
Vistra Corp	Com	92840M102	137,568	1,600	SH		DFND	0	1,600	0	0
Wal-Mart Stores, Inc.	Com	931142103	598,015	8,832	SH		SOLE	0	8,832	0	0
Wal-Mart Stores, Inc.	Com	931142103	272,194	4,020	SH		DFND	0	4,020	0	0
Waste Management, Inc.	Com	94106L109	657,941	3,084	SH		SOLE	0	3,084	0	0
Waste Management, Inc.	Com	94106L109	213,340	1,000	SH		DFND	0	1,000	0	0
Welltower Inc	Com	95040Q104	5,517,327	52,924	SH		SOLE	0	50,095	20	2,809
Welltower Inc	Com	95040Q104	291,796	2,799	SH		DFND	0	2,799	0	0
Williams Companies, Inc.	Com	969457100	849,745	19,994	SH		SOLE	0	19,619	0	375
Williams Companies, Inc.	Com	969457100	225,250	5,300	SH		DFND	0	5,300	0	0
Accenture PLC	Com	G1151C101	2,123,263	6,998	SH		SOLE	0	5,488	0	1,510
Accenture PLC	Com	G1151C101	1,538,289	5,070	SH		DFND	0	5,070	0	0
Eaton Corp PLC	Com	G29183103	307,906	982	SH		SOLE	0	982	0	0
Eaton Corp PLC	Com	G29183103	313,550	1,000	SH		DFND	0	1,000	0	0
Linde PLC	Com	G54950103	1,354,168	3,086	SH		SOLE	0	2,582	0	504
Linde PLC	Com	G54950103	43,881	100	SH		DFND	0	100	0	0
Medtronic PLC	Com	G5960L103	235,264	2,989	SH		SOLE	0	2,989	0	0
Medtronic PLC	Com	G5960L103	122,001	1,550	SH		DFND	0	1,550	0	0