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 | 8,770 | 307,615 | SH | | DFND | | 13,772 | 0 | 293,842 |
ABBOTT LABORATORIES | COM | 002824100 | 11,084 | 101,849 | SH | | DFND | | 2,150 | 0 | 99,699 |
ABBVIE INC | COM | 00287Y109 | 1,439 | 16,429 | SH | | DFND | | 150 | 0 | 16,279 |
ADOBE INC. | COM | 00724F101 | 772 | 1,575 | SH | | DFND | | 0 | 0 | 1,575 |
AGILENT TECHNOLOGIES INC | COM | 00846U101 | 228 | 2,263 | SH | | DFND | | 0 | 0 | 2,263 |
AIR PRODUCTS& CHEMICALS INC | COM | 009158106 | 253 | 850 | SH | | DFND | | 0 | 0 | 850 |
ALPHABET CLASS C | COM | 02079K107 | 1,417 | 964 | SH | | DFND | | 20 | 0 | 944 |
ALPHABET CLASS A | COM | 02079K305 | 18,072 | 12,331 | SH | | DFND | | 537 | 0 | 11,794 |
AMAZON.COM | COM | 023135106 | 233 | 74 | SH | | DFND | | 0 | 0 | 74 |
AMERICAN EXPRESS CO | COM | 025816109 | 342 | 3,410 | SH | | DFND | | 0 | 0 | 3,410 |
AMERICAN WATER WORKS CO | COM | 030420103 | 17,468 | 120,570 | SH | | DFND | | 1,650 | 0 | 118,920 |
AMGEN INC | COM | 031162100 | 485 | 1,907 | SH | | DFND | | 325 | 0 | 1,582 |
APPLE INC | COM | 037833100 | 33,239 | 287,011 | SH | | DFND | | 10,480 | 0 | 276,530 |
AUTOMATIC DATA PROCESSING INC | COM | 053015103 | 733 | 5,252 | SH | | DFND | | 2,390 | 0 | 2,862 |
BANK OF AMERICA CORP | COM | 060505104 | 433 | 17,981 | SH | | DFND | | 1,930 | 0 | 16,051 |
BARON SMALL CAP FUND | INSTITUTIONAL CLA | 068278803 | 1,962 | 53,219 | SH | | DFND | | 0 | 0 | 53,219 |
BAXTER INTERNATIONAL INC | COM | 071813109 | 223 | 2,775 | SH | | DFND | | 0 | 0 | 2,775 |
BECTON DICKINSON& CO | COM | 075887109 | 250 | 1,073 | SH | | DFND | | 0 | 0 | 1,073 |
BERKSHIRE HATHAWAY INC CLASS B | COM | 084670702 | 1,978 | 9,289 | SH | | DFND | | 475 | 0 | 8,814 |
BIO RAD LABS INC | COM | 090572207 | 304 | 590 | SH | | DFND | | 0 | 0 | 590 |
BLACKROCK INC | COM | 09247X101 | 213 | 378 | SH | | DFND | | 0 | 0 | 378 |
WILLIAM BLAIR INT'L GROWTH FD | CLASS I #1747 | 093001774 | 276 | 8,013 | SH | | DFND | | 0 | 0 | 8,013 |
BRISTOL-MYERS SQUIBB CO | COM | 110122108 | 257 | 4,265 | SH | | DFND | | 200 | 0 | 4,065 |
CSX CORPORATION | COM | 126408103 | 2,867 | 36,910 | SH | | DFND | | 375 | 0 | 36,535 |
CVS HEALTH CORPORATION | COM | 126650100 | 4,899 | 83,879 | SH | | DFND | | 2,375 | 0 | 81,504 |
CARRIER GLOBAL CORPORATION | COM | 14448C104 | 439 | 14,383 | SH | | DFND | | 470 | 0 | 13,913 |
CHEVRON CORP | COM | 166764100 | 9,621 | 133,631 | SH | | DFND | | 5,726 | 0 | 127,905 |
CISCO SYSTEMS INC | COM | 17275R102 | 588 | 14,918 | SH | | DFND | | 0 | 0 | 14,918 |
CITIGROUP INC | COM | 172967424 | 3,996 | 92,685 | SH | | DFND | | 2,708 | 0 | 89,977 |
COCA-COLA COMPANY | COM | 191216100 | 1,417 | 28,704 | SH | | DFND | | 350 | 0 | 28,354 |
COGNIZANT TECH SOL CL A | COM | 192446102 | 259 | 3,725 | SH | | DFND | | 3,200 | 0 | 525 |
COLGATE-PALMOLIVE CO. | COM | 194162103 | 594 | 7,699 | SH | | DFND | | 3,300 | 0 | 4,399 |
COMCAST CORP CL A (NEW) | COM | 20030N101 | 780 | 16,859 | SH | | DFND | | 0 | 0 | 16,859 |
CONOCOPHILLIPS | COM | 20825C104 | 231 | 7,049 | SH | | DFND | | 0 | 0 | 7,049 |
CONSTELLATION BRANDS INC CL A | COM | 21036P108 | 6,603 | 34,842 | SH | | DFND | | 1,300 | 0 | 33,542 |
COSTCO WHSL CORP (NEW) | COM | 22160K105 | 2,289 | 6,448 | SH | | DFND | | 730 | 0 | 5,718 |
CROWN CASTLE INTERNATIONAL | COM | 22822V101 | 15,109 | 90,744 | SH | | DFND | | 1,175 | 0 | 89,569 |
DANAHER CORP | COM | 235851102 | 1,215 | 5,643 | SH | | DFND | | 0 | 0 | 5,643 |
DEERE& CO | COM | 244199105 | 910 | 4,105 | SH | | DFND | | 0 | 0 | 4,105 |
DEVON ENERGY CORP (NEW) | COM | 25179M103 | 183 | 19,389 | SH | | DFND | | 100 | 0 | 19,289 |
DISNEY CO. (WALT) | COM | 254687106 | 17,068 | 137,559 | SH | | DFND | | 8,240 | 0 | 129,319 |
DISCOVER FINL SVCS | COM | 254709108 | 5,728 | 99,137 | SH | | DFND | | 2,260 | 0 | 96,877 |
DOW INC | COM | 260557103 | 259 | 5,507 | SH | | DFND | | 186 | 0 | 5,321 |
DUKE ENERGY CORP | COM | 26441C204 | 779 | 8,793 | SH | | DFND | | 1,488 | 0 | 7,305 |
EOG RESOURCES INC | COM | 26875P101 | 905 | 25,170 | SH | | DFND | | 390 | 0 | 24,780 |
ETFMG PRIME CYBER SECURITY ETF | COM | 26924G201 | 14,111 | 303,208 | SH | | DFND | | 13,415 | 0 | 289,793 |
EATON VANCE DIV BUILDER I | FUND | 277905634 | 1,291 | 84,136 | SH | | DFND | | 0 | 0 | 84,136 |
ECOLAB INC | COM | 278865100 | 1,637 | 8,190 | SH | | DFND | | 145 | 0 | 8,045 |
EMERSON ELECTRIC COMPANY | COM | 291011104 | 862 | 13,145 | SH | | DFND | | 0 | 0 | 13,145 |
ENTERPRISE PRD PRTNRS LP | COM | 293792107 | 316 | 20,042 | SH | | DFND | | 0 | 0 | 20,042 |
EVERSOURCE ENERGY | COM | 30040W108 | 1,151 | 13,775 | SH | | DFND | | 0 | 0 | 13,775 |
EXXON MOBIL CORP | COM | 30231G102 | 1,806 | 52,601 | SH | | DFND | | 7,880 | 0 | 44,721 |
FORTIVE CORP COMMON SHARE | COM | 34959J108 | 232 | 3,050 | SH | | DFND | | 0 | 0 | 3,050 |
GENUINE PARTS CO | COM | 372460105 | 340 | 3,570 | SH | | DFND | | 1,850 | 0 | 1,720 |
GLOBE LIFE INC | COM | 37959E102 | 240 | 3,004 | SH | | DFND | | 0 | 0 | 3,004 |
AMERICAN GROWTH FUND F-3 | FUND | 399874775 | 7,021 | 115,393 | SH | | DFND | | 0 | 0 | 115,393 |
HEALTHPEAK PPTYS INC. | COM | 42250P103 | 244 | 8,991 | SH | | DFND | | 1,800 | 0 | 7,191 |
HOME DEPOT INC | COM | 437076102 | 5,283 | 19,024 | SH | | DFND | | 790 | 0 | 18,234 |
HONEYWELL INTERNATIONAL INC | COM | 438516106 | 806 | 4,899 | SH | | DFND | | 1,930 | 0 | 2,969 |
INTEL CORPORATION | COM | 458140100 | 1,321 | 25,517 | SH | | DFND | | 2,929 | 0 | 22,588 |
INTERNATIONAL BUSINESS MACHINE | COM | 459200101 | 472 | 3,881 | SH | | DFND | | 305 | 0 | 3,576 |
INVESCO CLEAN ENERGY ETF | COM | 46137V134 | 565 | 9,295 | SH | | DFND | | 0 | 0 | 9,295 |
INVESCO WATER RESOURCES ETF | COM | 46137V142 | 1,153 | 29,065 | SH | | DFND | | 0 | 0 | 29,065 |
INVESCO DYNAMIC PHARMACEUTICAL | COM | 46137V662 | 604 | 9,450 | SH | | DFND | | 0 | 0 | 9,450 |
ISHARES TR S&P 500 INDEX FUND | COM | 464287200 | 817 | 2,431 | SH | | DFND | | 0 | 0 | 2,431 |
ISHARES TR MSCI EAFE FUND ETF | COM | 464287465 | 1,199 | 18,840 | SH | | DFND | | 0 | 0 | 18,840 |
ISHARES RUSELL MIDCAPE VALUE | COM | 464287473 | 690 | 8,536 | SH | | DFND | | 0 | 0 | 8,536 |
ISHARES RUSSELL MID CAP GROWTH | COM | 464287481 | 952 | 5,506 | SH | | DFND | | 0 | 0 | 5,506 |
ISHARES RUSSELL MIDCAP INDEX | COM | 464287499 | 945 | 16,475 | SH | | DFND | | 0 | 0 | 16,475 |
ISHARES TR NASDAQ BIO FD | NASDAQ BIOTECH IN | 464287556 | 1,257 | 9,280 | SH | | DFND | | 0 | 0 | 9,280 |
ISHARES TR RUSSELL 2000 | COM | 464287655 | 494 | 3,300 | SH | | DFND | | 0 | 0 | 3,300 |
ISHARES DJ US REGIONAL BANKS | COM | 464288778 | 1,480 | 45,204 | SH | | DFND | | 3,375 | 0 | 41,829 |
ISHARES US MEDICAL DEVICES ETF | COM | 464288810 | 11,765 | 39,265 | SH | | DFND | | 555 | 0 | 38,710 |
ISHARES TR USA MIN VOL ID | COM | 46429B697 | 202 | 3,166 | SH | | DFND | | 0 | 0 | 3,166 |
ISHARES MSCI USA QUALITYFACTOR | COM | 46432F339 | 209 | 2,014 | SH | | DFND | | 0 | 0 | 2,014 |
JPMORGAN CHASE& CO | COM | 46625H100 | 15,949 | 165,667 | SH | | DFND | | 6,445 | 0 | 159,222 |
JACOBS ENGINEERING GROUP INC | COM | 469814107 | 9,642 | 103,930 | SH | | DFND | | 2,860 | 0 | 101,070 |
JOHNSON& JOHNSON | COM | 478160104 | 5,522 | 37,090 | SH | | DFND | | 710 | 0 | 36,380 |
JPMORGAN INCOME BUILDER FUND | CLASS I SHARES | 4812A3254 | 2,050 | 198,656 | SH | | DFND | | 0 | 0 | 198,656 |
KIMBERLY CLARK | COM | 494368103 | 827 | 5,602 | SH | | DFND | | 2,745 | 0 | 2,857 |
KINDER MORGAN INC | COM | 49456B101 | 6,104 | 495,061 | SH | | DFND | | 10,412 | 0 | 484,649 |
KIRKLAND LAKE GOLD LTD | COM | 49741E100 | 3,883 | 79,690 | SH | | DFND | | 3,335 | 0 | 76,355 |
ELI LILLY& COMPANY | COM | 532457108 | 367 | 2,477 | SH | | DFND | | 0 | 0 | 2,477 |
LOCKHEED MARTIN CORP | COM | 539830109 | 1,737 | 4,532 | SH | | DFND | | 30 | 0 | 4,502 |
LOWES CO INC | COM | 548661107 | 17,210 | 103,762 | SH | | DFND | | 2,834 | 0 | 100,928 |
MFS VALUE FUND CL I | FUND | 552983694 | 4,820 | 118,660 | SH | | DFND | | 0 | 0 | 118,660 |
MASTERCARD INC | COM | 57636Q104 | 231 | 683 | SH | | DFND | | 0 | 0 | 683 |
MATTHEWS ASIA DIVIDEND FUND | FUND | 577125107 | 1,798 | 90,986 | SH | | DFND | | 0 | 0 | 90,986 |
MATTHEWS PACIFIC TIGER FUND | FUND | 577130107 | 333 | 10,721 | SH | | DFND | | 0 | 0 | 10,721 |
MCDONALDS CORP | COM | 580135101 | 1,456 | 6,634 | SH | | DFND | | 2,969 | 0 | 3,665 |
MERCK& CO. INC. | COM | 58933Y105 | 13,539 | 163,215 | SH | | DFND | | 4,589 | 0 | 158,626 |
METLIFE INC | COM | 59156R108 | 7,163 | 192,714 | SH | | DFND | | 6,580 | 0 | 186,134 |
MICROSOFT CORP | COM | 594918104 | 31,301 | 148,816 | SH | | DFND | | 4,426 | 0 | 144,389 |
MID AMERICA APARTMENT COM. | COM | 59522J103 | 6,746 | 58,179 | SH | | DFND | | 3,215 | 0 | 54,964 |
MONDELEZ INTERNATIONAL INC | COM | 609207105 | 2,481 | 43,184 | SH | | DFND | | 2,660 | 0 | 40,524 |
MOODY'S CORP | COM | 615369105 | 396 | 1,367 | SH | | DFND | | 0 | 0 | 1,367 |
NESTLE SA SPNSRD ADR REP RG SH | COM | 641069406 | 478 | 4,008 | SH | | DFND | | 2,000 | 0 | 2,008 |
AMERICAN NEW PERSPECTIVE FD F3 | FUND | 648018778 | 3,542 | 65,722 | SH | | DFND | | 0 | 0 | 65,722 |
NEWMONT CORPORATION | COM | 651639106 | 362 | 5,700 | SH | | DFND | | 0 | 0 | 5,700 |
NEXTERA ENERGY INC | COM | 65339F101 | 1,653 | 5,954 | SH | | DFND | | 550 | 0 | 5,404 |
NORFOLK SOUTHERN CORP | COM | 655844108 | 308 | 1,437 | SH | | DFND | | 0 | 0 | 1,437 |
NOVO-NORDISK A-S ADR F | 1 ADR REP 1 ORD | 670100205 | 543 | 7,820 | SH | | DFND | | 6,000 | 0 | 1,820 |
ORACLE CORP | COM | 68389X105 | 1,287 | 21,550 | SH | | DFND | | 500 | 0 | 21,050 |
OTIS WORLDWIDE CORP | COM | 68902V107 | 1,264 | 20,243 | SH | | DFND | | 2,991 | 0 | 17,252 |
PEPSICO INCORPORATED | COM | 713448108 | 17,307 | 124,867 | SH | | DFND | | 5,190 | 0 | 119,677 |
PFIZER INC | COM | 717081103 | 10,058 | 274,053 | SH | | DFND | | 12,836 | 0 | 261,217 |
PIMCO INCOME FD CL I-2 | FUND | 72201M719 | 122 | 10,414 | SH | | DFND | | 0 | 0 | 10,414 |
PRICE T ROWE GROWTH STOCK FD | FUND | 741479109 | 428 | 4,771 | SH | | SOLE | | 4,771 | 0 | 0 |
PROCTER AND GAMBLE COMPANY | COM | 742718109 | 14,093 | 101,397 | SH | | DFND | | 5,835 | 0 | 95,562 |
PROSHARES ULTRA S&P500 | COM | 74347R107 | 481 | 6,550 | SH | | DFND | | 0 | 0 | 6,550 |
QUALCOMM INC. | COM | 747525103 | 19,783 | 168,108 | SH | | DFND | | 4,360 | 0 | 163,748 |
RAYTHEON TECHNOLOGIES CORP | COM | 75513E101 | 10,470 | 181,955 | SH | | DFND | | 9,436 | 0 | 172,519 |
T. ROWE PRICE NEW HORIZONS FD | FUND | 779562107 | 243 | 3,019 | SH | | SOLE | | 3,019 | 0 | 0 |
S&P 500 DEPOSITARY RECEIPTS | COM | 78462F103 | 1,102 | 3,292 | SH | | DFND | | 1,492 | 0 | 1,800 |
SPDR SERIES TRUST S&P BIOTECH | COM | 78464A870 | 10,231 | 91,814 | SH | | DFND | | 4,280 | 0 | 87,534 |
SCHLUMBERGER LIMITED | COM | 806857108 | 841 | 54,017 | SH | | DFND | | 1,935 | 0 | 52,082 |
SCHWAB S&P 500 INDEX FUN | D - SELECT SHARES | 808509855 | 521 | 9,994 | SH | | DFND | | 2,578 | 0 | 7,416 |
SCHWAB CHARLES CORP | COM | 808513105 | 213 | 5,887 | SH | | DFND | | 4,548 | 0 | 1,339 |
SCHWAB 1000 FUND | FUND | 808517106 | 275 | 3,646 | SH | | DFND | | 860 | 0 | 2,785 |
SCHWAB US LARGE CAP | COM | 808524201 | 575 | 7,130 | SH | | DFND | | 270 | 0 | 6,860 |
SECT SPDR MATERIALS FUND | COM | 81369Y100 | 207 | 3,250 | SH | | DFND | | 2,500 | 0 | 750 |
SECT SPDR HEALTH CARE SELECT | COM | 81369Y209 | 632 | 5,987 | SH | | DFND | | 500 | 0 | 5,487 |
AMEX FINANCIAL SELECT SPDR | COM | 81369Y605 | 491 | 20,395 | SH | | DFND | | 400 | 0 | 19,995 |
SPDR AMEX TECH SELECT INDEX | COM | 81369Y803 | 327 | 2,800 | SH | | DFND | | 300 | 0 | 2,500 |
SECT SPDR THE UTILITES SEL FD | COM | 81369Y886 | 760 | 12,793 | SH | | DFND | | 4,568 | 0 | 8,225 |
SEMPRA ENERGY | COM | 816851109 | 254 | 2,149 | SH | | DFND | | 0 | 0 | 2,149 |
SIRIUS XM HOLDINGS INC. | COM | 82968B103 | 62 | 11,500 | SH | | DFND | | 4,000 | 0 | 7,500 |
STARBUCKS CORP | COM | 855244109 | 569 | 6,619 | SH | | DFND | | 0 | 0 | 6,619 |
STARWOOD PROPERTY TRUST, INC. | COM | 85571B105 | 302 | 20,006 | SH | | DFND | | 1,110 | 0 | 18,896 |
STRYKER CORP | COM | 863667101 | 477 | 2,290 | SH | | DFND | | 1,500 | 0 | 790 |
TARGET CORP | COM | 87612E106 | 224 | 1,426 | SH | | DFND | | 276 | 0 | 1,150 |
THERMO FISHER SCIENTIFIC INC | COM | 883556102 | 20,365 | 46,125 | SH | | DFND | | 175 | 0 | 45,950 |
3M CO | COM | 88579Y101 | 884 | 5,518 | SH | | DFND | | 1,665 | 0 | 3,853 |
TRAVELERS COS INC/THE | COM | 89417E109 | 1,223 | 11,302 | SH | | DFND | | 0 | 0 | 11,302 |
U.S. BANCORP | COM | 902973304 | 6,144 | 171,392 | SH | | DFND | | 8,888 | 0 | 162,504 |
UNION PACIFIC CORPORATION | COM | 907818108 | 1,251 | 6,352 | SH | | DFND | | 280 | 0 | 6,072 |
UNITED PARCEL SERVICE -CL B | COM | 911312106 | 9,130 | 54,795 | SH | | DFND | | 1,745 | 0 | 53,050 |
UNITED HEALTH GROUP INC. | COM | 91324P102 | 12,276 | 39,376 | SH | | DFND | | 1,965 | 0 | 37,411 |
UNIVERSAL DISPLAY CORP | COM | 91347P105 | 483 | 2,675 | SH | | DFND | | 400 | 0 | 2,275 |
VANGUARD DIVIDEND APPRECIATION | ETF | 921908844 | 205 | 1,593 | SH | | DFND | | 0 | 0 | 1,593 |
VANGUARD INTERNATIONAL GROWTH | FUND | 921910204 | 287 | 6,806 | SH | | DFND | | 4,410 | 0 | 2,396 |
VANGUARD FTSE ALL WORLD | ex US ETF | 922042775 | 1,098 | 21,770 | SH | | DFND | | 0 | 0 | 21,770 |
VANGUARD INFORMATION TECH ETF | COM | 92204A702 | 3,279 | 10,529 | SH | | DFND | | 0 | 0 | 10,529 |
VANGUARD INDEX FUNDS | 500 INDEX ADMI | 922908710 | 796 | 2,564 | SH | | DFND | | 1,782 | 0 | 782 |
VANGUARD TOTAL STOCK MKT | COM | 922908769 | 797 | 4,679 | SH | | DFND | | 0 | 0 | 4,679 |
VERIZON COMMUNICATIONS | COM | 92343V104 | 2,090 | 35,132 | SH | | DFND | | 3,017 | 0 | 32,114 |
VISA INC-CLASS A SHRS | COM | 92826C839 | 18,134 | 90,686 | SH | | DFND | | 1,950 | 0 | 88,736 |
WEC ENERGY GROUP INC | COM | 92939U106 | 280 | 2,892 | SH | | DFND | | 2,600 | 0 | 292 |
WAL MART INC. | COM | 931142103 | 574 | 4,100 | SH | | DFND | | 0 | 0 | 4,100 |
WASTE MANAGEMENT INC. | COM | 94106L109 | 1,616 | 14,283 | SH | | DFND | | 0 | 0 | 14,283 |
WELLS FARGO& CO (NEW) | COM | 949746101 | 247 | 10,516 | SH | | DFND | | 750 | 0 | 9,766 |
WEYERHAEUSER COMPANY | COM | 962166104 | 5,319 | 186,513 | SH | | DFND | | 6,070 | 0 | 180,443 |
WHEATON PRECIOUS METALS CORP | COM | 962879102 | 378 | 7,700 | SH | | DFND | | 0 | 0 | 7,700 |
WISDOMTREE TRUST EUROPE HEDGED | EQUITY FUND | 97717X701 | 3,166 | 51,276 | SH | | DFND | | 1,685 | 0 | 49,591 |
PENTAIR PLC | COM | G7S00T104 | 4,410 | 96,359 | SH | | DFND | | 4,275 | 0 | 92,084 |