Trust Co of the South 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

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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
3M CORPORATION	Equities	88579Y101	247,466	1,917	SH		SOLE		1,917	0	0
ABBOTT LABORATORIES	Equities	002824100	982,587	8,687	SH		SOLE		8,687	0	0
ABBVIE INC	Equities	00287Y109	983,214	5,534	SH		SOLE		5,534	0	0
ACCENTURE PLC	Equities	G1151C101	210,370	598	SH		DFND		598	0	0
ACCENTURE PLC	Equities	G1151C101	1,060,647	3,015	SH		SOLE		3,015	0	0
ADOBE SYS INC	Equities	00724F101	227,231	511	SH		SOLE		511	0	0
AIR PRODS & CHEMS	Equities	009158106	376,182	1,297	SH		SOLE		1,297	0	0
ALPHABET INC CL A	Equities	02079K305	955,019	5,045	SH		SOLE		5,045	0	0
ALPHABET INC CL C	Equities	02079K107	2,009,904	10,554	SH		SOLE		10,554	0	0
AMAZON.COM INC	Equities	023135106	3,234,028	14,741	SH		SOLE		14,481	0	260
AMERICAN EXPRESS CO	Equities	025816109	387,608	1,306	SH		SOLE		1,306	0	0
ANALOG DEVICES INC	Equities	032654105	715,565	3,368	SH		SOLE		3,368	0	0
ANGI HOMESERVICES INC	Equities	00183L102	85,135	51,286	SH		SOLE		51,286	0	0
APPLE COMPUTER INC	Equities	037833100	457,768	1,828	SH		DFND		1,828	0	0
APPLE COMPUTER INC	Equities	037833100	22,005,157	87,873	SH		SOLE		87,381	0	492
AUTODESK INC	Equities	052769106	322,762	1,092	SH		SOLE		1,092	0	0
AUTOMATIC DATA PRO	Equities	053015103	886,972	3,030	SH		SOLE		3,030	0	0
BADGER METER INC	Equities	056525108	393,695	1,856	SH		SOLE		1,856	0	0
BANK OF AMERICA CORP	Equities	060505104	519,181	11,813	SH		SOLE		11,813	0	0
BECTON, DICKINSON	Equities	075887109	499,568	2,202	SH		SOLE		2,202	0	0
BERKSHIRE HATHAWAY INC DELCL B	Equities	084670702	5,155,607	11,374	SH		SOLE		11,374	0	0
BROADCOM INC	Equities	11135F101	899,539	3,880	SH		SOLE		3,880	0	0
CANADIAN NATL RR	Equities	136375102	494,354	4,870	SH		SOLE		4,870	0	0
CHARLES SCHWAB CORP	Equities	808513105	302,553	4,088	SH		SOLE		4,088	0	0
CHEVRON CORP	Equities	166764100	261,002	1,802	SH		SOLE		1,802	0	0
CHIPOTLE MEXICAN GRILL INC	Equities	169656105	404,010	6,700	SH		SOLE		6,700	0	0
CISCO SYSTEMS INC	Equities	17275R102	419,965	7,094	SH		SOLE		7,094	0	0
CME GROUP INC	Equities	12572Q105	240,126	1,034	SH		SOLE		1,034	0	0
CMS ENERGY CORP	Equities	125896100	293,527	4,404	SH		SOLE		4,404	0	0
COCA COLA CO	Equities	191216100	339,691	5,456	SH		SOLE		5,456	0	0
COSTCO WHSL CORP NEW	Equities	22160K105	481,958	526	SH		SOLE		526	0	0
DANAHER CORP	Equities	235851102	258,703	1,127	SH		SOLE		1,127	0	0
DFA DIMENSIONAL EMERGING MKTS C	Mutual Funds	25434V732	3,214,942	122,757	SH		SOLE		122,757	0	0
DFA DIMENSIONAL GLOBAL REAL EST	Mutual Funds	25434V658	1,228,230	48,090	SH		SOLE		48,090	0	0
DFA DIMENSIONAL INTL CORE EQUIT	Mutual Funds	25434V799	10,072,221	389,716	SH		SOLE		389,716	0	0
DFA U.S. SMALL CAP VALUE ETF	Mutual Funds	25434V815	4,856,137	157,769	SH		SOLE		157,769	0	0
DIMENSIONAL U.S. CORE EQUITY 2	Mutual Funds	25434V708	41,632,011	1,203,586	SH		SOLE		1,203,586	0	0
DIMENSIONAL U.S. MARKETWIDE VAL	Mutual Funds	25434V724	2,123,250	51,888	SH		DFND		51,888	0	0
DIMENSIONAL U.S. MARKETWIDE VAL	Mutual Funds	25434V724	72,359,108	1,768,300	SH		SOLE		1,754,447	0	13,853
DIMENSIONAL U.S. TARGETED VALUE	Mutual Funds	25434V609	5,201,981	93,459	SH		DFND		93,459	0	0
DIMENSIONAL U.S. TARGETED VALUE	Mutual Funds	25434V609	95,422,488	1,714,385	SH		SOLE		1,705,791	0	8,594
DIMENSIONAL WORLD EX U.S. CORE	Mutual Funds	25434V880	9,699,327	390,158	SH		SOLE		390,158	0	0
DISNEY WALT CO	Equities	254687106	334,495	3,004	SH		SOLE		3,004	0	0
DUKE ENERGY CORP NEW	Equities	26441C204	1,082,464	10,047	SH		SOLE		10,047	0	0
EQUIFAX, INC.	Equities	294429105	218,916	859	SH		SOLE		859	0	0
EXXON MOBIL CORP	Equities	30231G102	1,536,100	14,280	SH		SOLE		14,280	0	0
F.N.B. CORP (PA)	Equities	302520101	1,263,956	85,518	SH		SOLE		85,518	0	0
FIRST CITIZENS CL A	Equities	31946M103	2,001,030	947	SH		SOLE		947	0	0
GENERAL DYNAMICS	Equities	369550108	288,258	1,094	SH		SOLE		1,094	0	0
GENERAL ELEC CO	Equities	369604301	985,395	5,909	SH		SOLE		5,909	0	0
GENERAL MILLS	Equities	370334104	267,579	4,196	SH		SOLE		4,196	0	0
HILTON WORLDWIDE HLDGS WI	Equities	43300A203	287,941	1,165	SH		SOLE		1,165	0	0
HOME DEPOT, INC.	Equities	437076102	1,444,320	3,713	SH		SOLE		3,713	0	0
IBM CORP.	Equities	459200101	1,100,029	5,004	SH		SOLE		5,004	0	0
ILLINOIS TOOL WORKS	Equities	452308109	364,112	1,436	SH		SOLE		1,436	0	0
INVESCO QQQ TRUST SERIES 1	Mutual Funds	46090E103	356,839	698	SH		SOLE		698	0	0
INVESTORS TITLE COMPANY	Equities	461804106	322,467	1,362	SH		SOLE		1,362	0	0
ISHARES S&P MIDCAP 400	Mutual Funds	464287507	5,130,605	82,340	SH		SOLE		82,340	0	0
ISHARES CORE MSCI EAFE	Mutual Funds	46432F842	254,203	3,617	SH		SOLE		3,617	0	0
ISHARES CORE MSCI EMERGING MARK	Mutual Funds	46434G103	317,393	6,078	SH		SOLE		6,078	0	0
ISHARES CORE S&P 500	Mutual Funds	464287200	3,895,296	6,617	SH		SOLE		6,617	0	0
ISHARES CORE S&P SMALL CAP	Mutual Funds	464287804	223,412	1,939	SH		SOLE		1,939	0	0
ISHARES CORE US AGGREGATE BOND	Mutual Funds	464287226	383,530	3,958	SH		SOLE		3,958	0	0
ISHARES MSCI EAFE	Mutual Funds	464287465	631,722	8,355	SH		SOLE		8,355	0	0
ISHARES MSCI EAFE SMALL CAP	Mutual Funds	464288273	1,277,876	21,035	SH		SOLE		21,035	0	0
ISHARES MSCI EMERGING MKTS SMAL	Mutual Funds	464286475	604,365	10,395	SH		SOLE		10,395	0	0
ISHARES RUSSELL 1000 GROWTH	Mutual Funds	464287614	2,234,391	5,564	SH		SOLE		5,564	0	0
ISHARES RUSSELL 1000 VALUE	Mutual Funds	464287598	1,125,220	6,078	SH		SOLE		6,078	0	0
ISHARES RUSSELL 2000	Mutual Funds	464287655	3,616,231	16,366	SH		SOLE		16,366	0	0
ISHARES RUSSELL 2000 GROWTH	Mutual Funds	464287648	223,061	775	SH		SOLE		775	0	0
ISHARES RUSSELL MID-CAP ETF	Mutual Funds	464287499	519,792	5,880	SH		SOLE		5,880	0	0
ISHARES S&P 500 BARRA VALUE	Mutual Funds	464287408	799,787	4,190	SH		SOLE		4,190	0	0
ISHARES S&P 500 GROWTH	Mutual Funds	464287309	611,515	6,023	SH		SOLE		6,023	0	0
ISHARES S&P SMALL-CAP 600 VALUE	Mutual Funds	464287879	208,531	1,920	SH		SOLE		1,920	0	0
J.P. MORGAN CHASE &	Equities	46625H100	1,368,984	5,711	SH		SOLE		5,711	0	0
JOHNSON & JOHNSON	Equities	478160104	1,398,765	9,672	SH		SOLE		9,672	0	0
KIMBERLY-CLARK	Equities	494368103	350,532	2,675	SH		SOLE		2,675	0	0
L3HARRIS TECHNOLOGIES INC	Equities	502431109	254,439	1,210	SH		SOLE		1,210	0	0
LILLY ELI & CO.	Equities	532457108	478,640	620	SH		SOLE		620	0	0
LIVE OAK BANCSHARES INC	Equities	53803X105	13,075,230	330,600	SH		SOLE		330,600	0	0
LOWES COMPANIES	Equities	548661107	262,595	1,064	SH		DFND		1,064	0	0
LOWES COMPANIES	Equities	548661107	1,230,051	4,984	SH		SOLE		4,984	0	0
MANULIFE FINL CORP	Equities	56501R106	272,183	8,863	SH		SOLE		8,863	0	0
MASTERCARD INC	Equities	57636Q104	379,130	720	SH		SOLE		720	0	0
MCDONALDS CORP	Equities	580135101	729,653	2,517	SH		SOLE		2,517	0	0
MERCK & CO INC NEWCOM	Equities	58933Y105	2,573,548	25,870	SH		SOLE		25,870	0	0
META PLATFORMS INC. CL A	Equities	30303M102	1,077,924	1,841	SH		SOLE		1,841	0	0
MICROSOFT CORPORATION	Equities	594918104	340,994	809	SH		DFND		809	0	0
MICROSOFT CORPORATION	Equities	594918104	7,840,743	18,602	SH		SOLE		18,602	0	0
NCINO INC COM	Equities	63947X101	4,423,225	131,722	SH		SOLE		131,722	0	0
NEXTERA ENERGY INCCOM	Equities	65339F101	36,132	504	SH		DFND		504	0	0
NEXTERA ENERGY INCCOM	Equities	65339F101	210,052	2,930	SH		SOLE		2,930	0	0
NVIDIA CORP	Equities	67066G104	894,371	6,660	SH		SOLE		6,660	0	0
ORACLE CORP	Equities	68389X105	455,927	2,736	SH		SOLE		2,736	0	0
PARKER HANNIFIN CORP	Equities	701094104	403,879	635	SH		SOLE		635	0	0
PAYCHEX INC	Equities	704326107	645,152	4,601	SH		SOLE		4,601	0	0
PEPSICO, INC.	Equities	713448108	837,546	5,508	SH		SOLE		5,508	0	0
PFIZER INC	Equities	717081103	767,911	28,945	SH		SOLE		28,945	0	0
PROCTER & GAMBLE CO	Equities	742718109	1,216,468	7,256	SH		SOLE		7,256	0	0
ROYAL BANK OF CANADA	Equities	780087102	3,017,932	25,043	SH		SOLE		25,043	0	0
SCHWAB US LARGE CAP GROWTH ETF	Mutual Funds	808524300	276,470	9,920	SH		SOLE		9,920	0	0
SONOCO PRODUCTS CO	Equities	835495102	793,715	16,248	SH		SOLE		16,248	0	0
SOUTHERN CO.	Equities	842587107	354,717	4,309	SH		SOLE		4,309	0	0
SPDR PORTFOLIO LARGE CAP ETF	Mutual Funds	78464A854	419,086	6,079	SH		SOLE		6,079	0	0
SPDR S&P 500	Mutual Funds	78462F103	18,374,780	31,352	SH		SOLE		31,352	0	0
STATE STREET CORP	Equities	857477103	404,084	4,117	SH		SOLE		4,117	0	0
SYSCO CORP	Equities	871829107	359,897	4,707	SH		SOLE		4,707	0	0
TAIWAN SEMICONDUCTOR ADR	Equities	874039100	1,751,539	8,869	SH		SOLE		8,869	0	0
TARGET CORP.	Equities	87612E106	476,374	3,524	SH		SOLE		3,524	0	0
TG THERAPEUTICS INC	Equities	88322Q108	319,060	10,600	SH		SOLE		10,600	0	0
TJX COS INC	Equities	872540109	293,206	2,427	SH		SOLE		2,427	0	0
TRUIST FINANCIAL ORD SHS	Equities	89832Q109	1,160,285	26,747	SH		SOLE		26,747	0	0
UNITEDHEALTH GRP INC	Equities	91324P102	1,204,959	2,382	SH		SOLE		2,382	0	0
VANGUARD FTSE ALL WORLD SC ETF	Mutual Funds	922042718	488,830	4,270	SH		SOLE		4,270	0	0
VANGUARD FTSE DEVELOPED MKTS ET	Mutual Funds	921943858	8,818,792	184,416	SH		SOLE		184,416	0	0
VANGUARD FTSE EMERGING MARKETS	Mutual Funds	922042858	4,791,294	108,794	SH		SOLE		108,794	0	0
VANGUARD GROWTH ETF	Mutual Funds	922908736	6,916,552	16,852	SH		SOLE		16,852	0	0
VANGUARD MID-CAP ETF	Mutual Funds	922908629	18,982,759	71,869	SH		SOLE		71,869	0	0
VANGUARD S&P 500	Mutual Funds	922908363	27,991,180	51,950	SH		SOLE		51,950	0	0
VANGUARD SMALL CAP GROWTH ETF	Mutual Funds	922908595	2,363,999	8,441	SH		SOLE		8,441	0	0
VANGUARD SMALL CAP VALUE ETF	Mutual Funds	922908611	1,751,713	8,839	SH		SOLE		8,839	0	0
VANGUARD SMALL-CAP ETF	Mutual Funds	922908751	12,174,965	50,670	SH		SOLE		50,670	0	0
VANGUARD VALUE ETF	Mutual Funds	922908744	5,023,131	29,670	SH		SOLE		29,670	0	0
VISA INC	Equities	92826C839	2,316,257	7,329	SH		SOLE		7,329	0	0
VULCAN MATERIALS CO	Equities	929160109	296,072	1,151	SH		SOLE		1,151	0	0
WAL-MART STORES INC	Equities	931142103	2,256,762	24,978	SH		SOLE		24,978	0	0
WASTE MANAGEMENT INC	Equities	94106L109	349,298	1,731	SH		SOLE		1,731	0	0