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
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
Abbott Laboratories	Com	002824100	3,162,556	27,960	SH		SOLE	0	23,694	0	4,266
Abbott Laboratories	Com	002824100	1,369,310	12,106	SH		DFND	0	12,106	0	0
AbbVie Inc.	Com	00287Y109	2,408,901	13,556	SH		SOLE	0	12,706	0	850
AbbVie Inc.	Com	00287Y109	860,068	4,840	SH		DFND	0	4,840	0	0
Adobe Systems, Inc.	Com	00724F101	8,887,819	19,987	SH		SOLE	0	18,466	9	1,512
Adobe Systems, Inc.	Com	00724F101	429,116	965	SH		DFND	0	965	0	0
Advanced Micro Devices, Inc.	Com	007903107	240,010	1,987	SH		SOLE	0	1,987	0	0
Advanced Micro Devices, Inc.	Com	007903107	65,589	543	SH		DFND	0	543	0	0
Air Products And Chemicals, Inc.	Com	009158106	4,436,452	15,296	SH		SOLE	0	14,686	0	610
Air Products And Chemicals, Inc.	Com	009158106	1,062,126	3,662	SH		DFND	0	3,662	0	0
Albemarle Corp.	Com	012653101	2,550,120	29,625	SH		SOLE	0	26,840	25	2,760
Albemarle Corp.	Com	012653101	93,397	1,085	SH		DFND	0	1,085	0	0
Alphabet Inc Class C	Com	02079K107	27,935,453	146,689	SH		SOLE	0	135,597	24	11,068
Alphabet Inc Class C	Com	02079K107	2,187,013	11,484	SH		DFND	0	11,484	0	0
Alphabet Inc Class A	Com	02079K305	4,026,979	21,273	SH		SOLE	0	21,273	0	0
Alphabet Inc Class A	Com	02079K305	1,083,175	5,722	SH		DFND	0	5,722	0	0
Altria Group Inc	Com	02209S103	250,312	4,787	SH		SOLE	0	3,287	0	1,500
Altria Group Inc	Com	02209S103	87,847	1,680	SH		DFND	0	1,680	0	0
Amazon.com Inc.	Com	023135106	7,741,615	35,287	SH		SOLE	0	33,736	4	1,547
Amazon.com Inc.	Com	023135106	1,708,171	7,786	SH		DFND	0	7,786	0	0
American Electric Power Co.	Com	025537101	266,268	2,887	SH		SOLE	0	2,887	0	0
American Electric Power Co.	Com	025537101	64,100	695	SH		DFND	0	695	0	0
American Express Company	Com	025816109	485,548	1,636	SH		SOLE	0	1,636	0	0
American Express Company	Com	025816109	15,136	51	SH		DFND	0	51	0	0
Cencora Inc	Com	03073E105	2,239,835	9,969	SH		SOLE	0	9,323	7	639
Cencora Inc	Com	03073E105	53,024	236	SH		DFND	0	236	0	0
Amgen Inc.	Com	031162100	1,215,104	4,662	SH		SOLE	0	4,662	0	0
Amgen Inc.	Com	031162100	69,070	265	SH		DFND	0	265	0	0
Elevance Health Inc	Com	036752103	366,687	994	SH		SOLE	0	994	0	0
Elevance Health Inc	Com	036752103	18,445	50	SH		DFND	0	50	0	0
Apple, Inc.	Com	037833100	49,373,558	197,163	SH		SOLE	0	181,991	15	15,157
Apple, Inc.	Com	037833100	6,541,471	26,122	SH		DFND	0	21,522	0	4,600
Automatic Data Processing	Com	053015103	3,936,048	13,446	SH		SOLE	0	11,071	0	2,375
Automatic Data Processing	Com	053015103	1,558,787	5,325	SH		DFND	0	5,325	0	0
Bank Of America Corp.	Com	060505104	168,065	3,824	SH		SOLE	0	3,824	0	0
Bank Of America Corp.	Com	060505104	54,059	1,230	SH		DFND	0	1,230	0	0
Bank of Montreal	Com	063671101	346,469	3,570	SH		SOLE	0	1,470	0	2,100
Bank of Montreal	Com	063671101	268,829	2,770	SH		DFND	0	2,770	0	0
Berkshire Hathaway Inc Class A	Com	084670108	1,361,840	2	SH		SOLE	0	0	0	2
Berkshire Hathaway Inc Cl B	Com	084670702	20,194,531	44,552	SH		SOLE	0	40,628	13	3,911
Berkshire Hathaway Inc Cl B	Com	084670702	606,035	1,337	SH		DFND	0	1,337	0	0
Blackstone Group Inc	Com	09260D107	10,191,746	59,110	SH		SOLE	0	55,671	37	3,402
Blackstone Group Inc	Com	09260D107	523,467	3,036	SH		DFND	0	3,036	0	0
BlackRock Inc	Com	09290D101	8,384,375	8,179	SH		SOLE	0	7,422	0	757
BlackRock Inc	Com	09290D101	262,428	256	SH		DFND	0	256	0	0
Boeing Company	Com	097023105	176,115	995	SH		SOLE	0	945	0	50
Boeing Company	Com	097023105	298,068	1,684	SH		DFND	0	1,684	0	0
Broadcom Inc	Com	11135F101	406,184	1,752	SH		SOLE	0	1,752	0	0
Broadcom Inc	Com	11135F101	23,184	100	SH		DFND	0	100	0	0
CDW Corporation	Com	12514G108	3,222,873	18,518	SH		SOLE	0	17,475	18	1,025
CDW Corporation	Com	12514G108	153,329	881	SH		DFND	0	881	0	0
CSX Corporation	Com	126408103	865,643	26,825	SH		SOLE	0	9,425	0	17,400
CSX Corporation	Com	126408103	145,215	4,500	SH		DFND	0	4,500	0	0
Canadian National Railway	Com	136375102	8,919,582	87,869	SH		SOLE	0	81,530	25	6,314
Canadian National Railway	Com	136375102	950,540	9,364	SH		DFND	0	9,364	0	0
Capital One Financial Corporation	Com	14040H105	267,480	1,500	SH		SOLE	0	1,500	0	0
Caterpillar, Inc.	Com	149123101	507,138	1,398	SH		SOLE	0	1,298	0	100
Caterpillar, Inc.	Com	149123101	150,545	415	SH		DFND	0	415	0	0
Chevron Corp	Com	166764100	1,388,871	9,589	SH		SOLE	0	8,482	0	1,107
Chevron Corp	Com	166764100	479,855	3,313	SH		DFND	0	2,713	0	600
Cisco Systems, Inc.	Com	17275R102	277,174	4,682	SH		SOLE	0	3,982	0	700
Cisco Systems, Inc.	Com	17275R102	95,253	1,609	SH		DFND	0	409	0	1,200
Cleveland Cliffs Inc	Com	185899101	19,176	2,040	SH		SOLE	0	2,040	0	0
Cleveland Cliffs Inc	Com	185899101	94,000	10,000	SH		DFND	0	10,000	0	0
Coca Cola Company	Com	191216100	435,509	6,995	SH		SOLE	0	6,995	0	0
Coca Cola Company	Com	191216100	34,305	551	SH		DFND	0	551	0	0
Colgate-Palmolive Company	Com	194162103	851,099	9,362	SH		SOLE	0	7,512	0	1,850
Colgate-Palmolive Company	Com	194162103	599,097	6,590	SH		DFND	0	6,590	0	0
Comcast Corp Class A	Com	20030N101	252,051	6,716	SH		SOLE	0	6,516	0	200
Comcast Corp Class A	Com	20030N101	5,780	154	SH		DFND	0	154	0	0
Consolidated Edison Inc.	Com	209115104	294,102	3,296	SH		SOLE	0	3,296	0	0
Constellation Brands Inc	Com	21036P108	6,764,810	30,610	SH		SOLE	0	27,705	8	2,897
Constellation Brands Inc	Com	21036P108	405,535	1,835	SH		DFND	0	1,835	0	0
Costco Wholesale Corp	Com	22160K105	22,545,740	24,606	SH		SOLE	0	22,392	4	2,210
Costco Wholesale Corp	Com	22160K105	614,817	671	SH		DFND	0	671	0	0
Cummins, Inc.	Com	231021106	736,592	2,113	SH		SOLE	0	2,113	0	0
Cummins, Inc.	Com	231021106	1,235,787	3,545	SH		DFND	0	3,445	0	100
Danaher Inc	Com	235851102	770,140	3,355	SH		SOLE	0	2,925	0	430
Danaher Inc	Com	235851102	177,901	775	SH		DFND	0	775	0	0
Deere & Co.	Com	244199105	11,716,576	27,653	SH		SOLE	0	25,799	8	1,846
Deere & Co.	Com	244199105	421,582	995	SH		DFND	0	895	0	100
Walt Disney Co	Com	254687106	6,322,008	56,776	SH		SOLE	0	51,508	44	5,224
Walt Disney Co	Com	254687106	282,940	2,541	SH		DFND	0	2,141	0	400
Dover Corp	Com	260003108	173,530	925	SH		SOLE	0	925	0	0
Dover Corp	Com	260003108	686,241	3,658	SH		DFND	0	3,658	0	0
Duke Energy Corp	Com	26441C204	587,829	5,456	SH		SOLE	0	5,196	0	260
Duke Energy Corp	Com	26441C204	288,312	2,676	SH		DFND	0	2,676	0	0
EOG Resources, Inc	Com	26875P101	4,277,429	34,895	SH		SOLE	0	32,510	21	2,364
EOG Resources, Inc	Com	26875P101	212,309	1,732	SH		DFND	0	1,732	0	0
Ebay Inc.	Com	278642103	206,603	3,335	SH		SOLE	0	3,335	0	0
Ebay Inc.	Com	278642103	5,576	90	SH		DFND	0	90	0	0
Ecolab Inc.	Com	278865100	4,700,459	20,060	SH		SOLE	0	18,622	13	1,425
Ecolab Inc.	Com	278865100	841,209	3,590	SH		DFND	0	3,590	0	0
Emerson Corp.	Com	291011104	2,802,553	22,614	SH		SOLE	0	19,215	0	3,399
Emerson Corp.	Com	291011104	192,463	1,553	SH		DFND	0	1,553	0	0
Enbridge Inc	Com	29250N105	6,379,775	150,360	SH		SOLE	0	139,254	99	11,007
Enbridge Inc	Com	29250N105	569,368	13,419	SH		DFND	0	13,419	0	0
Exxon Mobil Corp.	Com	30231G102	9,628,591	89,510	SH		SOLE	0	82,983	25	6,502
Exxon Mobil Corp.	Com	30231G102	1,503,398	13,976	SH		DFND	0	13,976	0	0
Meta Platforms Inc.	Com	30303M102	6,636,756	11,335	SH		SOLE	0	10,566	0	769
Meta Platforms Inc.	Com	30303M102	353,063	603	SH		DFND	0	603	0	0
First Merchants Corp	Com	320817109	217,999	5,465	SH		SOLE	0	1,656	0	3,809
First Source Corp	Com	336901103	104,617	1,792	SH		SOLE	0	1,792	0	0
First Source Corp	Com	336901103	114,775	1,966	SH		DFND	0	800	0	1,166
Fiserv Inc	Com	337738108	242,806	1,182	SH		SOLE	0	682	0	500
Fiserv Inc	Com	337738108	109,283	532	SH		DFND	0	532	0	0
Flexshares Credit Scored US Corp Bond Fund	Com	33939L761	13,530,010	283,648	SH		SOLE	0	268,263	0	15,385
Flexshares Credit Scored US Corp Bond Fund	Com	33939L761	538,151	11,282	SH		DFND	0	11,282	0	0
Flexshares Developed ex-US Factor Tilt Fund	Com	33939L803	8,849,047	128,455	SH		SOLE	0	121,486	130	6,839
Flexshares Developed ex-US Factor Tilt Fund	Com	33939L803	170,085	2,469	SH		DFND	0	2,469	0	0
General Dynamics	Com	369550108	360,191	1,367	SH		SOLE	0	1,327	0	40
General Dynamics	Com	369550108	26,349	100	SH		DFND	0	100	0	0
General Mills Inc.	Com	370334104	1,042,958	16,355	SH		SOLE	0	14,955	0	1,400
General Mills Inc.	Com	370334104	111,916	1,755	SH		DFND	0	1,455	0	300
Genuine Parts Co.	Com	372460105	612,173	5,243	SH		SOLE	0	4,243	0	1,000
Genuine Parts Co.	Com	372460105	2,335	20	SH		DFND	0	20	0	0
Gilead Sciences, Inc	Com	375558103	186,587	2,020	SH		SOLE	0	2,020	0	0
Gilead Sciences, Inc	Com	375558103	133,937	1,450	SH		DFND	0	1,450	0	0
Home Depot, Inc.	Com	437076102	502,186	1,291	SH		SOLE	0	1,145	0	146
Home Depot, Inc.	Com	437076102	157,930	406	SH		DFND	0	406	0	0
Honeywell International, Inc.	Com	438516106	769,833	3,408	SH		SOLE	0	3,408	0	0
Honeywell International, Inc.	Com	438516106	184,326	816	SH		DFND	0	816	0	0
Horizon Bancorp Inc	Com	440407104	5,458,632	338,835	SH		SOLE	0	319,254	0	19,581
Horizon Bancorp Inc	Com	440407104	4,591	285	SH		DFND	0	285	0	0
ITT Inc	Com	45073V108	228,608	1,600	SH		SOLE	0	1,600	0	0
ITT Inc	Com	45073V108	57,152	400	SH		DFND	0	400	0	0
Illinois Tool Works	Com	452308109	2,249,331	8,871	SH		SOLE	0	7,671	0	1,200
Illinois Tool Works	Com	452308109	143,261	565	SH		DFND	0	565	0	0
International Business Machines Corp.	Com	459200101	134,316	611	SH		SOLE	0	611	0	0
International Business Machines Corp.	Com	459200101	535,506	2,436	SH		DFND	0	2,036	0	400
Invesco QQQ Trust	Com	46090E103	6,883,201	13,464	SH		SOLE	0	12,473	0	991
Invesco QQQ Trust	Com	46090E103	96,111	188	SH		DFND	0	188	0	0
iShares S&P 100	Com	464287101	22,314,818	77,254	SH		SOLE	0	69,299	0	7,955
iShares S&P 100	Com	464287101	283,362	981	SH		DFND	0	981	0	0
iShares TR Morningstar Large-Cap ETF	Com	464287127	422,032	5,200	SH		SOLE	0	5,200	0	0
iShares Core S&P 500 ETF	Com	464287200	314,944	535	SH		SOLE	0	535	0	0
iShares MSCI EAFE Index Fund	Com	464287465	4,207,394	55,646	SH		SOLE	0	52,134	0	3,512
iShares MSCI EAFE Index Fund	Com	464287465	61,471	813	SH		DFND	0	813	0	0
S&P Midcap 400 Index Fund I Shares	Com	464287507	17,807,575	285,790	SH		SOLE	0	267,319	185	18,286
S&P Midcap 400 Index Fund I Shares	Com	464287507	326,754	5,244	SH		DFND	0	5,244	0	0
iShares TR Expanded Tech Sector ETF	Com	464287549	230,928	2,262	SH		SOLE	0	2,262	0	0
iShares US Consumer Discretionary ETF	Com	464287580	203,528	2,117	SH		SOLE	0	2,117	0	0
iShares S&P Midcap 400 Growth	Com	464287606	527,758	5,804	SH		SOLE	0	5,804	0	0
iShares US Technology Fund	Com	464287721	377,265	2,365	SH		SOLE	0	2,333	0	32
iShares US Technology Fund	Com	464287721	17,069	107	SH		DFND	0	107	0	0
iShares DJ U.S. Healthcare Sector	Com	464287762	218,513	3,750	SH		SOLE	0	3,750	0	0
S&P Smallcap 600 Index Fund I Shares	Com	464287804	26,691,520	231,657	SH		SOLE	0	214,264	103	17,290
S&P Smallcap 600 Index Fund I Shares	Com	464287804	776,928	6,743	SH		DFND	0	6,743	0	0
iShares National Muni Bond ETF	Com	464288414	277,243	2,602	SH		SOLE	0	2,602	0	0
JPMorgan Chase & Co.	Com	46625H100	18,706,968	78,040	SH		SOLE	0	71,890	24	6,126
JPMorgan Chase & Co.	Com	46625H100	2,277,245	9,500	SH		DFND	0	9,500	0	0
Johnson & Johnson	Com	478160104	4,947,161	34,208	SH		SOLE	0	30,115	0	4,093
Johnson & Johnson	Com	478160104	1,210,614	8,371	SH		DFND	0	7,271	0	1,100
Kimberly-Clark Corp	Com	494368103	225,520	1,721	SH		SOLE	0	1,721	0	0
Kimberly-Clark Corp	Com	494368103	9,173	70	SH		DFND	0	70	0	0
Kinder Morgan Inc	Com	49456B101	95,900	3,500	SH		SOLE	0	3,500	0	0
Kinder Morgan Inc	Com	49456B101	126,725	4,625	SH		DFND	0	4,625	0	0
Lamar Advertising Co	Com	512816109	229,967	1,889	SH		SOLE	0	1,889	0	0
Lamar Advertising Co	Com	512816109	20,696	170	SH		DFND	0	170	0	0
Eli Lilly & Co.	Com	532457108	3,431,540	4,445	SH		SOLE	0	4,296	0	149
Eli Lilly & Co.	Com	532457108	717,960	930	SH		DFND	0	930	0	0
Lockheed Martin Corp.	Com	539830109	1,036,024	2,132	SH		SOLE	0	2,107	0	25
Lockheed Martin Corp.	Com	539830109	360,082	741	SH		DFND	0	741	0	0
Lowe's Companies	Com	548661107	6,973,828	28,257	SH		SOLE	0	26,951	13	1,293
Lowe's Companies	Com	548661107	647,603	2,624	SH		DFND	0	2,624	0	0
Marsh & McLennan Cos Inc	Com	571748102	12,545,359	59,062	SH		SOLE	0	55,730	23	3,309
Marsh & McLennan Cos Inc	Com	571748102	447,760	2,108	SH		DFND	0	2,108	0	0
Masco Corp.	Com	574599106	4,748,908	65,439	SH		SOLE	0	59,951	38	5,450
Masco Corp.	Com	574599106	139,915	1,928	SH		DFND	0	1,928	0	0
MasterCard Inc	Com	57636Q104	20,575,723	39,075	SH		SOLE	0	36,730	10	2,335
MasterCard Inc	Com	57636Q104	491,290	933	SH		DFND	0	933	0	0
McDonald's Corp	Com	580135101	13,361,900	46,093	SH		SOLE	0	44,961	0	1,132
McDonald's Corp	Com	580135101	3,372,870	11,635	SH		DFND	0	11,635	0	0
Merck & Co. Inc	Com	58933Y105	508,542	5,112	SH		SOLE	0	5,112	0	0
Merck & Co. Inc	Com	58933Y105	54,515	548	SH		DFND	0	548	0	0
Microsoft Corp	Com	594918104	14,213,402	33,721	SH		SOLE	0	31,742	13	1,966
Microsoft Corp	Com	594918104	2,213,718	5,252	SH		DFND	0	3,752	0	1,500
NNN RIET Inc	Com	637417106	1,050,008	25,704	SH		SOLE	0	24,099	0	1,605
NNN RIET Inc	Com	637417106	140,238	3,433	SH		DFND	0	3,433	0	0
Netflix, Inc.	Com	64110L106	864,580	970	SH		SOLE	0	970	0	0
Nextera Energy Inc	Com	65339F101	7,828,906	109,205	SH		SOLE	0	91,238	30	17,937
Nextera Energy Inc	Com	65339F101	493,729	6,887	SH		DFND	0	6,887	0	0
Nike, Inc.	Com	654106103	2,101,734	27,775	SH		SOLE	0	24,710	0	3,065
Nike, Inc.	Com	654106103	147,254	1,946	SH		DFND	0	1,946	0	0
Northern Trust Corporation	Com	665859104	272,958	2,663	SH		SOLE	0	2,188	0	475
Northern Trust Corporation	Com	665859104	82,103	801	SH		DFND	0	801	0	0
Novartis - ADR	Com	66987V109	897,296	9,221	SH		SOLE	0	7,471	0	1,750
Novo-Nordisk A/S ADR	Com	670100205	7,107,489	82,626	SH		SOLE	0	76,841	34	5,751
Novo-Nordisk A/S ADR	Com	670100205	209,889	2,440	SH		DFND	0	2,440	0	0
Nvidia Corp.	Com	67066G104	114,983,127	856,230	SH		SOLE	0	781,138	120	74,972
Nvidia Corp.	Com	67066G104	10,557,611	78,618	SH		DFND	0	78,618	0	0
Oneok, Inc.	Com	682680103	391,359	3,898	SH		SOLE	0	1,884	0	2,014
Oneok, Inc.	Com	682680103	397,584	3,960	SH		DFND	0	3,960	0	0
Oracle Corp.	Com	68389X105	6,013,704	36,088	SH		SOLE	0	30,903	0	5,185
Oracle Corp.	Com	68389X105	1,170,813	7,026	SH		DFND	0	7,026	0	0
Palantir Technologies Inc	Com	69608A108	155,420	2,055	SH		SOLE	0	2,055	0	0
Palantir Technologies Inc	Com	69608A108	98,319	1,300	SH		DFND	0	1,300	0	0
Palo Alto Networks Inc	Com	697435105	7,314,428	40,198	SH		SOLE	0	37,908	30	2,260
Palo Alto Networks Inc	Com	697435105	395,217	2,172	SH		DFND	0	2,172	0	0
Paychex Inc.	Com	704326107	445,900	3,180	SH		SOLE	0	2,790	0	390
Paychex Inc.	Com	704326107	56,088	400	SH		DFND	0	400	0	0
PayPal Holdings Inc.	Com	70450Y103	287,203	3,365	SH		SOLE	0	2,540	0	825
PayPal Holdings Inc.	Com	70450Y103	20,484	240	SH		DFND	0	240	0	0
Pepsico, Inc.	Com	713448108	11,046,703	72,647	SH		SOLE	0	64,796	7	7,844
Pepsico, Inc.	Com	713448108	932,432	6,132	SH		DFND	0	5,732	0	400
Pfizer Inc	Com	717081103	204,891	7,723	SH		SOLE	0	7,026	0	697
Pfizer Inc	Com	717081103	41,864	1,578	SH		DFND	0	1,578	0	0
Philip Morris International Inc.	Com	718172109	454,442	3,776	SH		SOLE	0	3,776	0	0
Philip Morris International Inc.	Com	718172109	242,505	2,015	SH		DFND	0	2,015	0	0
Phillips 66	Com	718546104	434,187	3,811	SH		SOLE	0	2,736	0	1,075
Plains GP Holdings LP	Com	72651A207	51,776	2,817	SH		SOLE	0	2,217	0	600
Plains GP Holdings LP	Com	72651A207	161,799	8,803	SH		DFND	0	8,803	0	0
Procter & Gamble Company	Com	742718109	1,655,879	9,877	SH		SOLE	0	9,577	0	300
Procter & Gamble Company	Com	742718109	640,255	3,819	SH		DFND	0	3,819	0	0
Progressive Corporation	Com	743315103	575,064	2,400	SH		SOLE	0	2,400	0	0
Progressive Corporation	Com	743315103	119,805	500	SH		DFND	0	500	0	0
Qualcomm Inc.	Com	747525103	1,114,513	7,255	SH		SOLE	0	7,165	0	90
Qualcomm Inc.	Com	747525103	434,745	2,830	SH		DFND	0	2,830	0	0
RTX Corporation	Com	75513E101	9,642,948	83,330	SH		SOLE	0	76,269	31	7,030
RTX Corporation	Com	75513E101	933,050	8,063	SH		DFND	0	8,063	0	0
Realty Income Corporation	Com	756109104	438,015	8,201	SH		SOLE	0	7,616	0	585
Realty Income Corporation	Com	756109104	107,995	2,022	SH		DFND	0	2,022	0	0
SPDR S&P 500 ETF	Com	78462F103	12,880,866	21,978	SH		SOLE	0	19,230	0	2,748
SPDR S&P 500 ETF	Com	78462F103	1,992,086	3,399	SH		DFND	0	3,399	0	0
KBW Regional Banking Spdr	Com	78464A698	997,404	16,527	SH		SOLE	0	15,777	0	750
KBW Regional Banking Spdr	Com	78464A698	185,275	3,070	SH		DFND	0	3,070	0	0
SPDR S&P Dividend ETF	Com	78464A763	1,217,037	9,213	SH		SOLE	0	8,513	0	700
SPDR S&P Dividend ETF	Com	78464A763	47,160	357	SH		DFND	0	357	0	0
Spdr Dow Jones Industrial Average ETF Trust	Com	78467X109	336,145	790	SH		SOLE	0	740	0	50
SPDR S&P MidCap 400 ETF Trust	Com	78467Y107	9,587,171	16,832	SH		SOLE	0	15,234	0	1,598
SPDR S&P MidCap 400 ETF Trust	Com	78467Y107	422,059	741	SH		DFND	0	741	0	0
SPDR Bloomberg High Yield Bond ETF	Com	78468R622	2,339,588	24,506	SH		SOLE	0	22,806	0	1,700
SPDR Bloomberg High Yield Bond ETF	Com	78468R622	37,902	397	SH		DFND	0	397	0	0
Charles Schwab Corp.	Com	808513105	230,467	3,114	SH		SOLE	0	3,114	0	0
Charles Schwab Corp.	Com	808513105	33,305	450	SH		DFND	0	450	0	0
Consumer Discretionary SPDR	Com	81369Y407	7,812,989	34,825	SH		SOLE	0	30,470	3	4,352
Consumer Discretionary SPDR	Com	81369Y407	530,363	2,364	SH		DFND	0	2,364	0	0
Technology Select Sector Fund	Com	81369Y803	2,355,893	10,132	SH		SOLE	0	5,669	9	4,454
Technology Select Sector Fund	Com	81369Y803	479,689	2,063	SH		DFND	0	2,063	0	0
Communication Services Select Sector SPDR	Com	81369Y852	12,288,384	126,933	SH		SOLE	0	113,032	76	13,825
Communication Services Select Sector SPDR	Com	81369Y852	302,822	3,128	SH		DFND	0	3,128	0	0
Skechers USA Inc	Com	830566105	4,576,758	68,066	SH		SOLE	0	63,381	33	4,652
Skechers USA Inc	Com	830566105	165,545	2,462	SH		DFND	0	2,462	0	0
Southern Company	Com	842587107	2,075,863	25,217	SH		SOLE	0	20,167	0	5,050
Southern Company	Com	842587107	267,128	3,245	SH		DFND	0	3,245	0	0
Stryker Corp	Com	863667101	13,295,566	36,927	SH		SOLE	0	33,817	14	3,096
Stryker Corp	Com	863667101	2,125,735	5,904	SH		DFND	0	5,904	0	0
Sysco Corporation	Com	871829107	4,539,201	59,367	SH		SOLE	0	52,796	32	6,539
Sysco Corporation	Com	871829107	214,164	2,801	SH		DFND	0	2,801	0	0
TJX Companies	Com	872540109	9,080,080	75,160	SH		SOLE	0	70,958	36	4,166
TJX Companies	Com	872540109	433,466	3,588	SH		DFND	0	3,588	0	0
Target Corp.	Com	87612E106	204,798	1,515	SH		SOLE	0	1,515	0	0
Target Corp.	Com	87612E106	47,313	350	SH		DFND	0	350	0	0
Tesla Motors, Inc.	Com	88160R101	270,977	671	SH		SOLE	0	661	0	10
Tesla Motors, Inc.	Com	88160R101	24,230	60	SH		DFND	0	60	0	0
Thermo Fisher Scientific, Inc.	Com	883556102	7,902,294	15,190	SH		SOLE	0	13,196	8	1,986
Thermo Fisher Scientific, Inc.	Com	883556102	250,751	482	SH		DFND	0	482	0	0
3M Company	Com	88579Y101	270,573	2,096	SH		SOLE	0	1,946	0	150
3M Company	Com	88579Y101	189,117	1,465	SH		DFND	0	1,465	0	0
Truist Financial Corp	Com	89832Q109	176,383	4,066	SH		SOLE	0	4,016	0	50
Truist Financial Corp	Com	89832Q109	36,439	840	SH		DFND	0	840	0	0
United Parcel Service	Com	911312106	578,799	4,590	SH		SOLE	0	4,140	0	450
United Parcel Service	Com	911312106	316,763	2,512	SH		DFND	0	2,512	0	0
UnitedHealth Group, Inc.	Com	91324P102	7,141,731	14,118	SH		SOLE	0	13,120	6	992
UnitedHealth Group, Inc.	Com	91324P102	284,799	563	SH		DFND	0	563	0	0
VanEck Vectors Morningstar Wide Moat ETF	Com	92189F643	17,284,406	186,405	SH		SOLE	0	165,801	0	20,604
VanEck Vectors Morningstar Wide Moat ETF	Com	92189F643	198,802	2,144	SH		DFND	0	2,144	0	0
Vanguard Intermediate-Term Bond Fund ETF	Com	921937819	3,611,178	48,323	SH		SOLE	0	46,080	0	2,243
Vanguard Intermediate-Term Bond Fund ETF	Com	921937819	89,527	1,198	SH		DFND	0	1,198	0	0
Vanguard Short-Term Bond ETF	Com	921937827	5,016,523	64,922	SH		SOLE	0	61,752	0	3,170
Vanguard Short-Term Bond ETF	Com	921937827	124,637	1,613	SH		DFND	0	1,613	0	0
Vanguard Short Term Corporate Bond ETF	Com	92206C409	6,666,189	85,453	SH		SOLE	0	80,785	0	4,668
Vanguard Short Term Corporate Bond ETF	Com	92206C409	111,086	1,424	SH		DFND	0	1,424	0	0
Vanguard US Total Stock Market ETF	Com	922908769	681,633	2,352	SH		SOLE	0	2,352	0	0
Verizon Communications	Com	92343V104	701,385	17,539	SH		SOLE	0	17,064	0	475
Verizon Communications	Com	92343V104	249,378	6,236	SH		DFND	0	6,236	0	0
Visa Inc	Com	92826C839	701,293	2,219	SH		SOLE	0	2,219	0	0
Visa Inc	Com	92826C839	161,180	510	SH		DFND	0	510	0	0
Vistra Corp	Com	92840M102	234,379	1,700	SH		SOLE	0	1,700	0	0
Vistra Corp	Com	92840M102	217,145	1,575	SH		DFND	0	1,575	0	0
Wal-Mart Stores, Inc.	Com	931142103	766,078	8,479	SH		SOLE	0	8,479	0	0
Wal-Mart Stores, Inc.	Com	931142103	363,207	4,020	SH		DFND	0	4,020	0	0
Waste Management, Inc.	Com	94106L109	620,504	3,075	SH		SOLE	0	3,075	0	0
Waste Management, Inc.	Com	94106L109	201,790	1,000	SH		DFND	0	1,000	0	0
Welltower Inc	Com	95040Q104	6,671,020	52,932	SH		SOLE	0	50,106	20	2,806
Welltower Inc	Com	95040Q104	346,961	2,753	SH		DFND	0	2,753	0	0
Williams Companies, Inc.	Com	969457100	1,062,051	19,624	SH		SOLE	0	19,249	0	375
Williams Companies, Inc.	Com	969457100	286,836	5,300	SH		DFND	0	5,300	0	0
Accenture PLC	Com	G1151C101	2,499,820	7,106	SH		SOLE	0	5,596	0	1,510
Accenture PLC	Com	G1151C101	1,642,859	4,670	SH		DFND	0	4,670	0	0
Eaton Corp PLC	Com	G29183103	298,683	900	SH		SOLE	0	900	0	0
Eaton Corp PLC	Com	G29183103	331,870	1,000	SH		DFND	0	1,000	0	0
Linde PLC	Com	G54950103	1,185,673	2,832	SH		SOLE	0	2,328	0	504
Linde PLC	Com	G54950103	44,379	106	SH		DFND	0	106	0	0
Medtronic PLC	Com	G5960L103	205,292	2,570	SH		SOLE	0	2,570	0	0
Medtronic PLC	Com	G5960L103	119,820	1,500	SH		DFND	0	1,500	0	0