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
Abbott Laboratories	Com	002824100	3,341,063	29,305	SH		SOLE	0	25,039	0	4,266
Abbott Laboratories	Com	002824100	1,380,205	12,106	SH		DFND	0	12,106	0	0
AbbVie Inc.	Com	00287Y109	2,782,691	14,091	SH		SOLE	0	13,241	0	850
AbbVie Inc.	Com	00287Y109	955,803	4,840	SH		DFND	0	4,840	0	0
Adobe Systems, Inc.	Com	00724F101	9,904,614	19,129	SH		SOLE	0	17,608	9	1,512
Adobe Systems, Inc.	Com	00724F101	457,718	884	SH		DFND	0	884	0	0
Advanced Micro Devices, Inc.	Com	007903107	326,027	1,987	SH		SOLE	0	1,987	0	0
Advanced Micro Devices, Inc.	Com	007903107	89,095	543	SH		DFND	0	543	0	0
Air Products And Chemicals, Inc.	Com	009158106	4,649,806	15,617	SH		SOLE	0	15,007	0	610
Air Products And Chemicals, Inc.	Com	009158106	1,096,279	3,682	SH		DFND	0	3,682	0	0
Albemarle Corp.	Com	012653101	4,067,605	42,948	SH		SOLE	0	39,288	25	3,635
Albemarle Corp.	Com	012653101	148,316	1,566	SH		DFND	0	1,566	0	0
Alphabet Inc Class C	Com	02079K107	24,373,961	145,786	SH		SOLE	0	134,688	24	11,074
Alphabet Inc Class C	Com	02079K107	1,893,260	11,324	SH		DFND	0	11,324	0	0
Alphabet Inc Class A	Com	02079K305	3,564,282	21,491	SH		SOLE	0	21,491	0	0
Alphabet Inc Class A	Com	02079K305	986,310	5,947	SH		DFND	0	5,947	0	0
Altria Group Inc	Com	02209S103	258,620	5,067	SH		SOLE	0	3,567	0	1,500
Altria Group Inc	Com	02209S103	85,747	1,680	SH		DFND	0	1,680	0	0
Amazon.com Inc.	Com	023135106	5,846,476	31,377	SH		SOLE	0	29,844	4	1,529
Amazon.com Inc.	Com	023135106	1,321,639	7,093	SH		DFND	0	7,093	0	0
American Electric Power Co.	Com	025537101	296,206	2,887	SH		SOLE	0	2,887	0	0
American Electric Power Co.	Com	025537101	71,307	695	SH		DFND	0	695	0	0
American Express Company	Com	025816109	443,683	1,636	SH		SOLE	0	1,636	0	0
American Express Company	Com	025816109	13,831	51	SH		DFND	0	51	0	0
Cencora Inc	Com	03073E105	2,086,942	9,272	SH		SOLE	0	8,626	7	639
Cencora Inc	Com	03073E105	46,366	206	SH		DFND	0	206	0	0
Amgen Inc.	Com	031162100	1,522,442	4,725	SH		SOLE	0	4,725	0	0
Amgen Inc.	Com	031162100	99,885	310	SH		DFND	0	310	0	0
Elevance Health Inc	Com	036752103	353,080	679	SH		SOLE	0	679	0	0
Elevance Health Inc	Com	036752103	26,000	50	SH		DFND	0	50	0	0
Apple, Inc.	Com	037833100	46,407,076	199,172	SH		SOLE	0	183,960	15	15,197
Apple, Inc.	Com	037833100	6,154,928	26,416	SH		DFND	0	21,816	0	4,600
Automatic Data Processing	Com	053015103	3,742,773	13,525	SH		SOLE	0	11,150	0	2,375
Automatic Data Processing	Com	053015103	1,486,040	5,370	SH		DFND	0	5,370	0	0
Bank Of America Corp.	Com	060505104	154,077	3,883	SH		SOLE	0	3,883	0	0
Bank Of America Corp.	Com	060505104	56,742	1,430	SH		DFND	0	1,430	0	0
Bank of Montreal	Com	063671101	322,014	3,570	SH		SOLE	0	1,470	0	2,100
Bank of Montreal	Com	063671101	249,854	2,770	SH		DFND	0	2,770	0	0
Berkshire Hathaway Inc Class A	Com	084670108	1,382,360	2	SH		SOLE	0	0	0	2
Berkshire Hathaway Inc Cl B	Com	084670702	20,588,811	44,733	SH		SOLE	0	40,794	13	3,926
Berkshire Hathaway Inc Cl B	Com	084670702	596,497	1,296	SH		DFND	0	1,296	0	0
Blackrock, Inc.	Com	09247X101	7,935,055	8,357	SH		SOLE	0	7,590	0	767
Blackrock, Inc.	Com	09247X101	243,075	256	SH		DFND	0	256	0	0
Blackstone Group Inc	Com	09260D107	8,777,258	57,319	SH		SOLE	0	53,880	37	3,402
Blackstone Group Inc	Com	09260D107	445,149	2,907	SH		DFND	0	2,907	0	0
Boeing Company	Com	097023105	151,280	995	SH		SOLE	0	945	0	50
Boeing Company	Com	097023105	306,361	2,015	SH		DFND	0	2,015	0	0
Broadcom Inc	Com	11135F101	261,338	1,515	SH		SOLE	0	1,515	0	0
Broadcom Inc	Com	11135F101	17,250	100	SH		DFND	0	100	0	0
CDW Corporation	Com	12514G108	4,523,284	19,988	SH		SOLE	0	18,934	18	1,036
CDW Corporation	Com	12514G108	199,370	881	SH		DFND	0	881	0	0
CSX Corporation	Com	126408103	926,267	26,825	SH		SOLE	0	9,425	0	17,400
CSX Corporation	Com	126408103	155,385	4,500	SH		DFND	0	4,500	0	0
CVS Health	Com	126650100	93,314	1,484	SH		SOLE	0	1,379	0	105
CVS Health	Com	126650100	167,638	2,666	SH		DFND	0	2,666	0	0
Canadian National Railway	Com	136375102	10,264,566	87,619	SH		SOLE	0	81,265	25	6,329
Canadian National Railway	Com	136375102	1,077,663	9,199	SH		DFND	0	9,199	0	0
Capital One Financial Corporation	Com	14040H105	254,541	1,700	SH		SOLE	0	1,700	0	0
Caterpillar, Inc.	Com	149123101	547,177	1,399	SH		SOLE	0	1,299	0	100
Caterpillar, Inc.	Com	149123101	172,093	440	SH		DFND	0	440	0	0
Chevron Corp	Com	166764100	1,508,339	10,242	SH		SOLE	0	9,135	0	1,107
Chevron Corp	Com	166764100	495,269	3,363	SH		DFND	0	2,763	0	600
Cisco Systems, Inc.	Com	17275R102	249,176	4,682	SH		SOLE	0	3,982	0	700
Cisco Systems, Inc.	Com	17275R102	93,614	1,759	SH		DFND	0	559	0	1,200
Cleveland Cliffs Inc	Com	185899101	26,051	2,040	SH		SOLE	0	2,040	0	0
Cleveland Cliffs Inc	Com	185899101	127,700	10,000	SH		DFND	0	10,000	0	0
Coca Cola Company	Com	191216100	558,927	7,778	SH		SOLE	0	7,778	0	0
Coca Cola Company	Com	191216100	39,595	551	SH		DFND	0	551	0	0
Cognizant Technology Solutions Corp	Com	192446102	252,533	3,272	SH		SOLE	0	2,505	0	767
Cognizant Technology Solutions Corp	Com	192446102	11,963	155	SH		DFND	0	155	0	0
Colgate-Palmolive Company	Com	194162103	987,441	9,512	SH		SOLE	0	7,612	0	1,900
Colgate-Palmolive Company	Com	194162103	684,108	6,590	SH		DFND	0	6,590	0	0
Comcast Corp Class A	Com	20030N101	286,333	6,855	SH		SOLE	0	6,655	0	200
Comcast Corp Class A	Com	20030N101	23,141	554	SH		DFND	0	554	0	0
Consolidated Edison Inc.	Com	209115104	367,683	3,531	SH		SOLE	0	3,531	0	0
Constellation Brands Inc - A	Com	21036P108	8,058,224	31,271	SH		SOLE	0	28,354	8	2,909
Constellation Brands Inc - A	Com	21036P108	464,100	1,801	SH		DFND	0	1,801	0	0
Costco Wholesale Corp	Com	22160K105	21,968,852	24,781	SH		SOLE	0	22,547	4	2,230
Costco Wholesale Corp	Com	22160K105	600,174	677	SH		DFND	0	677	0	0
Cummins, Inc.	Com	231021106	679,311	2,098	SH		SOLE	0	2,098	0	0
Cummins, Inc.	Com	231021106	1,167,263	3,605	SH		DFND	0	3,505	0	100
Danaher Inc	Com	235851102	966,120	3,475	SH		SOLE	0	3,045	0	430
Danaher Inc	Com	235851102	215,466	775	SH		DFND	0	775	0	0
Deere & Co.	Com	244199105	11,260,398	26,982	SH		SOLE	0	25,128	8	1,846
Deere & Co.	Com	244199105	426,929	1,023	SH		DFND	0	923	0	100
Walt Disney Co	Com	254687106	5,436,370	56,517	SH		SOLE	0	51,217	44	5,256
Walt Disney Co	Com	254687106	251,922	2,619	SH		DFND	0	2,219	0	400
Dominion Energy Inc.	Com	25746U109	218,099	3,774	SH		SOLE	0	3,374	0	400
Dominion Energy Inc.	Com	25746U109	5,779	100	SH		DFND	0	100	0	0
Dover Corp	Com	260003108	172,566	900	SH		SOLE	0	900	0	0
Dover Corp	Com	260003108	701,385	3,658	SH		DFND	0	3,658	0	0
Duke Energy Corp	Com	26441C204	651,214	5,648	SH		SOLE	0	5,388	0	260
Duke Energy Corp	Com	26441C204	285,483	2,476	SH		DFND	0	2,476	0	0
EOG Resources, Inc	Com	26875P101	4,121,474	33,527	SH		SOLE	0	31,142	21	2,364
EOG Resources, Inc	Com	26875P101	203,695	1,657	SH		DFND	0	1,657	0	0
Ebay Inc.	Com	278642103	217,142	3,335	SH		SOLE	0	3,335	0	0
Ebay Inc.	Com	278642103	5,860	90	SH		DFND	0	90	0	0
Ecolab Inc.	Com	278865100	5,076,726	19,883	SH		SOLE	0	18,445	13	1,425
Ecolab Inc.	Com	278865100	898,762	3,520	SH		DFND	0	3,520	0	0
Emerson Corp.	Com	291011104	2,534,868	23,177	SH		SOLE	0	19,668	0	3,509
Emerson Corp.	Com	291011104	169,852	1,553	SH		DFND	0	1,553	0	0
Enbridge Inc	Com	29250N105	6,145,186	151,322	SH		SOLE	0	140,164	99	11,059
Enbridge Inc	Com	29250N105	538,976	13,272	SH		DFND	0	13,272	0	0
Exxon Mobil Corp.	Com	30231G102	10,485,681	89,453	SH		SOLE	0	82,826	25	6,602
Exxon Mobil Corp.	Com	30231G102	1,633,930	13,939	SH		DFND	0	13,939	0	0
Meta Platforms Inc.	Com	30303M102	5,689,481	9,939	SH		SOLE	0	9,195	0	744
Meta Platforms Inc.	Com	30303M102	324,001	566	SH		DFND	0	566	0	0
First Merchants Corp	Com	320817109	203,298	5,465	SH		SOLE	0	1,656	0	3,809
First Source Corp	Com	336901103	107,305	1,792	SH		SOLE	0	1,792	0	0
First Source Corp	Com	336901103	129,760	2,167	SH		DFND	0	1,001	0	1,166
Fiserv Inc	Com	337738108	212,346	1,182	SH		SOLE	0	682	0	500
Fiserv Inc	Com	337738108	95,574	532	SH		DFND	0	532	0	0
Flexshares Credit Scored US Corp Bond Fund	Com	33939L761	14,568,648	296,593	SH		SOLE	0	282,522	0	14,071
Flexshares Credit Scored US Corp Bond Fund	Com	33939L761	529,759	10,785	SH		DFND	0	10,785	0	0
Flexshares Developed ex-US Factor Tilt Fund	Com	33939L803	9,440,198	125,874	SH		SOLE	0	118,892	130	6,852
Flexshares Developed ex-US Factor Tilt Fund	Com	33939L803	151,869	2,025	SH		DFND	0	2,025	0	0
General Dynamics	Com	369550108	413,107	1,367	SH		SOLE	0	1,327	0	40
General Dynamics	Com	369550108	30,220	100	SH		DFND	0	100	0	0
General Mills Inc.	Com	370334104	1,375,161	18,621	SH		SOLE	0	17,221	0	1,400
General Mills Inc.	Com	370334104	133,299	1,805	SH		DFND	0	1,505	0	300
Genuine Parts Co.	Com	372460105	1,254,745	8,983	SH		SOLE	0	7,983	0	1,000
Genuine Parts Co.	Com	372460105	145,267	1,040	SH		DFND	0	1,040	0	0
Gilead Sciences, Inc	Com	375558103	167,680	2,000	SH		SOLE	0	2,000	0	0
Gilead Sciences, Inc	Com	375558103	123,245	1,470	SH		DFND	0	1,470	0	0
Home Depot, Inc.	Com	437076102	555,529	1,371	SH		SOLE	0	1,225	0	146
Home Depot, Inc.	Com	437076102	164,511	406	SH		DFND	0	406	0	0
Honeywell International, Inc.	Com	438516106	697,233	3,373	SH		SOLE	0	3,373	0	0
Honeywell International, Inc.	Com	438516106	168,675	816	SH		DFND	0	816	0	0
Horizon Bancorp Inc	Com	440407104	6,236,856	401,084	SH		SOLE	0	381,503	0	19,581
Horizon Bancorp Inc	Com	440407104	5,380	346	SH		DFND	0	346	0	0
ITT Inc	Com	45073V108	239,216	1,600	SH		SOLE	0	1,600	0	0
ITT Inc	Com	45073V108	59,804	400	SH		DFND	0	400	0	0
Illinois Tool Works	Com	452308109	2,341,071	8,933	SH		SOLE	0	7,733	0	1,200
Illinois Tool Works	Com	452308109	148,070	565	SH		DFND	0	565	0	0
International Business Machines Corp.	Com	459200101	135,080	611	SH		SOLE	0	611	0	0
International Business Machines Corp.	Com	459200101	542,972	2,456	SH		DFND	0	2,056	0	400
Invesco QQQ Trust	Com	46090E103	6,359,552	13,030	SH		SOLE	0	12,318	0	712
Invesco QQQ Trust	Com	46090E103	121,529	249	SH		DFND	0	249	0	0
Iron Mountain Inc.	Com	46284V101	213,894	1,800	SH		DFND	0	1,800	0	0
iShares S&P 100	Com	464287101	21,352,864	77,153	SH		SOLE	0	69,056	0	8,097
iShares S&P 100	Com	464287101	230,541	833	SH		DFND	0	833	0	0
iShares TR Morningstar Large-Cap ETF	Com	464287127	438,300	5,532	SH		SOLE	0	5,532	0	0
iShares Core S&P 500 ETF	Com	464287200	308,599	535	SH		SOLE	0	535	0	0
iShares MSCI EAFE Index Fund	Com	464287465	4,586,687	54,845	SH		SOLE	0	48,861	0	5,984
iShares MSCI EAFE Index Fund	Com	464287465	76,605	916	SH		DFND	0	916	0	0
S&P Midcap 400 Index Fund I Shares	Com	464287507	17,038,849	273,409	SH		SOLE	0	255,072	185	18,152
S&P Midcap 400 Index Fund I Shares	Com	464287507	255,699	4,103	SH		DFND	0	4,103	0	0
iShares TR Expanded Tech Sector ETF	Com	464287549	226,227	2,358	SH		SOLE	0	2,358	0	0
iShares S&P Midcap 400 Growth	Com	464287606	564,818	6,144	SH		SOLE	0	6,144	0	0
Russell 2000 Index i-shares	Com	464287655	217,135	983	SH		SOLE	0	904	0	79
iShares US Technology Fund	Com	464287721	361,917	2,387	SH		SOLE	0	2,355	0	32
iShares US Technology Fund	Com	464287721	16,223	107	SH		DFND	0	107	0	0
iShares DJ U.S. Healthcare Sector	Com	464287762	243,750	3,750	SH		SOLE	0	3,750	0	0
S&P Smallcap 600 Index Fund I Shares	Com	464287804	26,190,736	223,929	SH		SOLE	0	206,715	103	17,111
S&P Smallcap 600 Index Fund I Shares	Com	464287804	740,357	6,330	SH		DFND	0	6,330	0	0
JPMorgan Chase & Co.	Com	46625H100	16,401,113	77,782	SH		SOLE	0	71,597	24	6,161
JPMorgan Chase & Co.	Com	46625H100	2,054,198	9,742	SH		DFND	0	9,742	0	0
Johnson & Johnson	Com	478160104	5,794,941	35,758	SH		SOLE	0	31,565	0	4,193
Johnson & Johnson	Com	478160104	1,465,995	9,046	SH		DFND	0	7,946	0	1,100
Kimberly-Clark Corp	Com	494368103	275,739	1,938	SH		SOLE	0	1,938	0	0
Kimberly-Clark Corp	Com	494368103	9,960	70	SH		DFND	0	70	0	0
Lamar Advertising Co	Com	512816109	256,913	1,923	SH		SOLE	0	1,923	0	0
Lamar Advertising Co	Com	512816109	22,712	170	SH		DFND	0	170	0	0
Eli Lilly & Co.	Com	532457108	3,992,046	4,506	SH		SOLE	0	4,357	0	149
Eli Lilly & Co.	Com	532457108	832,784	940	SH		DFND	0	940	0	0
Lockheed Martin Corp.	Com	539830109	1,287,201	2,202	SH		SOLE	0	2,177	0	25
Lockheed Martin Corp.	Com	539830109	433,159	741	SH		DFND	0	741	0	0
Lowe's Companies	Com	548661107	7,302,929	26,963	SH		SOLE	0	25,657	13	1,293
Lowe's Companies	Com	548661107	677,125	2,500	SH		DFND	0	2,500	0	0
Marsh & McLennan Cos Inc	Com	571748102	13,084,452	58,651	SH		SOLE	0	55,279	23	3,349
Marsh & McLennan Cos Inc	Com	571748102	366,983	1,645	SH		DFND	0	1,645	0	0
Masco Corp.	Com	574599106	5,333,883	63,544	SH		SOLE	0	58,043	38	5,463
Masco Corp.	Com	574599106	152,603	1,818	SH		DFND	0	1,818	0	0
MasterCard Inc	Com	57636Q104	19,197,463	38,877	SH		SOLE	0	36,513	10	2,354
MasterCard Inc	Com	57636Q104	446,395	904	SH		DFND	0	904	0	0
McDonald's Corp	Com	580135101	13,947,776	45,804	SH		SOLE	0	44,672	0	1,132
McDonald's Corp	Com	580135101	3,640,113	11,954	SH		DFND	0	11,954	0	0
Merck & Co. Inc	Com	58933Y105	557,807	4,912	SH		SOLE	0	4,912	0	0
Merck & Co. Inc	Com	58933Y105	39,519	348	SH		DFND	0	348	0	0
Microsoft Corp	Com	594918104	13,871,151	32,236	SH		SOLE	0	30,257	13	1,966
Microsoft Corp	Com	594918104	2,244,015	5,215	SH		DFND	0	3,715	0	1,500
NNN RIET Inc	Com	637417106	1,336,481	27,562	SH		SOLE	0	25,957	0	1,605
NNN RIET Inc	Com	637417106	166,466	3,433	SH		DFND	0	3,433	0	0
Netflix, Inc.	Com	64110L106	729,130	1,028	SH		SOLE	0	1,028	0	0
Netflix, Inc.	Com	64110L106	14,185	20	SH		DFND	0	20	0	0
Nextera Energy Inc	Com	65339F101	9,022,817	106,741	SH		SOLE	0	88,539	30	18,172
Nextera Energy Inc	Com	65339F101	527,974	6,246	SH		DFND	0	6,246	0	0
Nike, Inc.	Com	654106103	2,533,102	28,655	SH		SOLE	0	25,590	0	3,065
Nike, Inc.	Com	654106103	194,568	2,201	SH		DFND	0	2,201	0	0
Northern Trust Corporation	Com	665859104	263,338	2,925	SH		SOLE	0	2,450	0	475
Northern Trust Corporation	Com	665859104	72,114	801	SH		DFND	0	801	0	0
Novartis - ADR	Com	66987V109	1,066,120	9,269	SH		SOLE	0	7,519	0	1,750
Novo-Nordisk A/S ADR	Com	670100205	11,505,139	96,625	SH		SOLE	0	89,736	34	6,855
Novo-Nordisk A/S ADR	Com	670100205	377,690	3,172	SH		DFND	0	3,172	0	0
Nvidia Corp.	Com	67066G104	107,283,011	883,424	SH		SOLE	0	807,762	120	75,542
Nvidia Corp.	Com	67066G104	9,775,677	80,498	SH		DFND	0	80,498	0	0
Oneok, Inc.	Com	682680103	392,953	4,312	SH		SOLE	0	2,298	0	2,014
Oneok, Inc.	Com	682680103	362,515	3,978	SH		DFND	0	3,978	0	0
Oracle Corp.	Com	68389X105	6,174,614	36,236	SH		SOLE	0	31,051	0	5,185
Oracle Corp.	Com	68389X105	1,222,790	7,176	SH		DFND	0	7,176	0	0
Palo Alto Networks Inc	Com	697435105	6,379,013	18,663	SH		SOLE	0	17,518	15	1,130
Palo Alto Networks Inc	Com	697435105	342,825	1,003	SH		DFND	0	1,003	0	0
Paychex Inc.	Com	704326107	453,562	3,380	SH		SOLE	0	2,990	0	390
Paychex Inc.	Com	704326107	53,676	400	SH		DFND	0	400	0	0
PayPal Holdings Inc.	Com	70450Y103	255,548	3,275	SH		SOLE	0	2,450	0	825
PayPal Holdings Inc.	Com	70450Y103	23,799	305	SH		DFND	0	305	0	0
Pepsico, Inc.	Com	713448108	12,725,182	74,832	SH		SOLE	0	66,981	7	7,844
Pepsico, Inc.	Com	713448108	1,028,632	6,049	SH		DFND	0	5,649	0	400
Pfizer Inc	Com	717081103	406,520	14,047	SH		SOLE	0	13,195	0	852
Pfizer Inc	Com	717081103	68,530	2,368	SH		DFND	0	2,368	0	0
Philip Morris International Inc.	Com	718172109	492,034	4,053	SH		SOLE	0	4,053	0	0
Philip Morris International Inc.	Com	718172109	253,726	2,090	SH		DFND	0	2,090	0	0
Phillips 66	Com	718546104	500,956	3,811	SH		SOLE	0	2,736	0	1,075
Plains GP Holdings LP	Com	72651A207	75,332	4,072	SH		SOLE	0	3,472	0	600
Plains GP Holdings LP	Com	72651A207	177,656	9,603	SH		DFND	0	9,603	0	0
Procter & Gamble Company	Com	742718109	1,763,869	10,184	SH		SOLE	0	9,884	0	300
Procter & Gamble Company	Com	742718109	661,451	3,819	SH		DFND	0	3,819	0	0
Progressive Corporation	Com	743315103	609,024	2,400	SH		SOLE	0	2,400	0	0
Progressive Corporation	Com	743315103	126,880	500	SH		DFND	0	500	0	0
Qualcomm Inc.	Com	747525103	1,243,576	7,313	SH		SOLE	0	7,223	0	90
Qualcomm Inc.	Com	747525103	481,242	2,830	SH		DFND	0	2,830	0	0
RTX Corporation	Com	75513E101	9,843,887	81,247	SH		SOLE	0	74,186	31	7,030
RTX Corporation	Com	75513E101	959,224	7,917	SH		DFND	0	7,917	0	0
Realty Income Corporation	Com	756109104	577,376	9,104	SH		SOLE	0	8,519	0	585
Realty Income Corporation	Com	756109104	128,235	2,022	SH		DFND	0	2,022	0	0
SPDR S&P 500 ETF	Com	78462F103	12,903,289	22,489	SH		SOLE	0	19,733	0	2,756
SPDR S&P 500 ETF	Com	78462F103	1,984,636	3,459	SH		DFND	0	3,459	0	0
KBW Regional Banking Spdr	Com	78464A698	947,597	16,742	SH		SOLE	0	15,992	0	750
KBW Regional Banking Spdr	Com	78464A698	180,271	3,185	SH		DFND	0	3,185	0	0
SPDR S&P Dividend ETF	Com	78464A763	1,324,949	9,328	SH		SOLE	0	8,628	0	700
SPDR S&P Dividend ETF	Com	78464A763	62,071	437	SH		DFND	0	437	0	0
Spdr Dow Jones Industrial Average ETF Trust	Com	78467X109	353,305	835	SH		SOLE	0	760	0	75
SPDR S&P MidCap 400 ETF Trust	Com	78467Y107	9,607,886	16,866	SH		SOLE	0	15,268	0	1,598
SPDR S&P MidCap 400 ETF Trust	Com	78467Y107	424,966	746	SH		DFND	0	746	0	0
SPDR Bloomberg High Yield Bond ETF	Com	78468R622	3,390,184	34,668	SH		SOLE	0	30,986	0	3,682
SPDR Bloomberg High Yield Bond ETF	Com	78468R622	28,848	295	SH		DFND	0	295	0	0
Charles Schwab Corp.	Com	808513105	201,818	3,114	SH		SOLE	0	3,114	0	0
Charles Schwab Corp.	Com	808513105	29,165	450	SH		DFND	0	450	0	0
Consumer Discretionary SPDR	Com	81369Y407	6,882,910	34,351	SH		SOLE	0	29,996	3	4,352
Consumer Discretionary SPDR	Com	81369Y407	468,665	2,339	SH		DFND	0	2,339	0	0
Technology Select Sector Fund	Com	81369Y803	2,299,817	10,187	SH		SOLE	0	5,724	9	4,454
Technology Select Sector Fund	Com	81369Y803	426,461	1,889	SH		DFND	0	1,889	0	0
Communication Services Select Sector SPDR	Com	81369Y852	11,705,173	129,482	SH		SOLE	0	115,581	76	13,825
Communication Services Select Sector SPDR	Com	81369Y852	260,533	2,882	SH		DFND	0	2,882	0	0
Skechers USA Inc	Com	830566105	4,287,832	64,074	SH		SOLE	0	59,389	33	4,652
Skechers USA Inc	Com	830566105	127,081	1,899	SH		DFND	0	1,899	0	0
Southern Company	Com	842587107	2,388,237	26,483	SH		SOLE	0	21,433	0	5,050
Southern Company	Com	842587107	292,634	3,245	SH		DFND	0	3,245	0	0
Stryker Corp	Com	863667101	13,191,409	36,515	SH		SOLE	0	33,405	14	3,096
Stryker Corp	Com	863667101	2,106,868	5,832	SH		DFND	0	5,832	0	0
Sysco Corporation	Com	871829107	4,603,510	58,974	SH		SOLE	0	52,299	32	6,643
Sysco Corporation	Com	871829107	226,374	2,900	SH		DFND	0	2,900	0	0
TJX Companies	Com	872540109	8,762,725	74,551	SH		SOLE	0	70,249	36	4,266
TJX Companies	Com	872540109	414,093	3,523	SH		DFND	0	3,523	0	0
Target Corp.	Com	87612E106	236,128	1,515	SH		SOLE	0	1,515	0	0
Target Corp.	Com	87612E106	54,551	350	SH		DFND	0	350	0	0
Tesla Motors, Inc.	Com	88160R101	209,042	799	SH		SOLE	0	757	0	42
Tesla Motors, Inc.	Com	88160R101	15,698	60	SH		DFND	0	60	0	0
Thermo Fisher Scientific, Inc.	Com	883556102	9,259,993	14,970	SH		SOLE	0	12,976	8	1,986
Thermo Fisher Scientific, Inc.	Com	883556102	251,758	407	SH		DFND	0	407	0	0
3M Company	Com	88579Y101	319,331	2,336	SH		SOLE	0	2,186	0	150
3M Company	Com	88579Y101	200,266	1,465	SH		DFND	0	1,465	0	0
Truist Financial Corp	Com	89832Q109	186,648	4,364	SH		SOLE	0	4,314	0	50
Truist Financial Corp	Com	89832Q109	35,927	840	SH		DFND	0	840	0	0
Union Pacific Corp	Com	907818108	218,135	885	SH		SOLE	0	885	0	0
United Parcel Service	Com	911312106	693,289	5,085	SH		SOLE	0	4,585	0	500
United Parcel Service	Com	911312106	315,218	2,312	SH		DFND	0	2,312	0	0
UnitedHealth Group, Inc.	Com	91324P102	7,910,720	13,530	SH		SOLE	0	12,532	6	992
UnitedHealth Group, Inc.	Com	91324P102	297,017	508	SH		DFND	0	508	0	0
VanEck Vectors Morningstar Wide Moat ETF	Com	92189F643	17,874,962	184,373	SH		SOLE	0	162,409	0	21,964
VanEck Vectors Morningstar Wide Moat ETF	Com	92189F643	241,890	2,495	SH		DFND	0	2,495	0	0
Vanguard Intermediate-Term Bond Fund ETF	Com	921937819	3,507,449	44,755	SH		SOLE	0	42,676	0	2,079
Vanguard Intermediate-Term Bond Fund ETF	Com	921937819	67,633	863	SH		DFND	0	863	0	0
Vanguard Short-Term Bond ETF	Com	921937827	5,013,025	63,706	SH		SOLE	0	60,524	0	3,182
Vanguard Short-Term Bond ETF	Com	921937827	97,340	1,237	SH		DFND	0	1,237	0	0
Vanguard Short Term Corporate Bond ETF	Com	92206C409	6,563,348	82,641	SH		SOLE	0	77,930	0	4,711
Vanguard Short Term Corporate Bond ETF	Com	92206C409	83,470	1,051	SH		DFND	0	1,051	0	0
Vanguard Real Estate ETF	Com	922908553	211,207	2,168	SH		SOLE	0	2,168	0	0
Vanguard US Total Stock Market ETF	Com	922908769	665,992	2,352	SH		SOLE	0	2,352	0	0
Verizon Communications	Com	92343V104	954,876	21,262	SH		SOLE	0	20,687	0	575
Verizon Communications	Com	92343V104	292,634	6,516	SH		DFND	0	6,516	0	0
Visa Inc	Com	92826C839	616,438	2,242	SH		SOLE	0	2,242	0	0
Visa Inc	Com	92826C839	140,225	510	SH		DFND	0	510	0	0
Vistra Corp	Com	92840M102	201,518	1,700	SH		SOLE	0	1,700	0	0
Vistra Corp	Com	92840M102	189,664	1,600	SH		DFND	0	1,600	0	0
Wal-Mart Stores, Inc.	Com	931142103	709,954	8,792	SH		SOLE	0	8,792	0	0
Wal-Mart Stores, Inc.	Com	931142103	324,615	4,020	SH		DFND	0	4,020	0	0
Waste Management, Inc.	Com	94106L109	638,370	3,075	SH		SOLE	0	3,075	0	0
Waste Management, Inc.	Com	94106L109	207,600	1,000	SH		DFND	0	1,000	0	0
Welltower Inc	Com	95040Q104	6,757,551	52,781	SH		SOLE	0	49,924	20	2,837
Welltower Inc	Com	95040Q104	353,875	2,764	SH		DFND	0	2,764	0	0
Williams Companies, Inc.	Com	969457100	912,726	19,994	SH		SOLE	0	19,619	0	375
Williams Companies, Inc.	Com	969457100	241,945	5,300	SH		DFND	0	5,300	0	0
Accenture PLC	Com	G1151C101	2,580,757	7,301	SH		SOLE	0	5,791	0	1,510
Accenture PLC	Com	G1151C101	1,650,752	4,670	SH		DFND	0	4,670	0	0
Eaton Corp PLC	Com	G29183103	298,296	900	SH		SOLE	0	900	0	0
Eaton Corp PLC	Com	G29183103	331,440	1,000	SH		DFND	0	1,000	0	0
Linde PLC	Com	G54950103	1,393,385	2,922	SH		SOLE	0	2,418	0	504
Linde PLC	Com	G54950103	50,547	106	SH		DFND	0	106	0	0
Medtronic PLC	Com	G5960L103	256,405	2,848	SH		SOLE	0	2,848	0	0
Medtronic PLC	Com	G5960L103	135,045	1,500	SH		DFND	0	1,500	0	0