# EDGAR Filing Document

**Accession Number:** 0001102256
**File Stem:** 0001102256-26-000002
**Filing Date:** 2026-1
**Character Count:** 37451
**Document Hash:** 679e2ce8bd070ab02b8943b1e013bade
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001102256-26-000002.hdr.sgml**: 20260126

**ACCESSION NUMBER**: 0001102256-26-000002

**CONFORMED SUBMISSION TYPE**: 13F-HR

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260126

**DATE AS OF CHANGE**: 20260126

**EFFECTIVENESS DATE**: 20260126

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Towne Trust Company, N.A
- **CENTRAL INDEX KEY:** 0001102256

**ORGANIZATION NAME:**
- **EIN:** 541920705
- **STATE OF INCORPORATION:** VA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-10669
- **FILM NUMBER:** 26558709

**BUSINESS ADDRESS:**
- **STREET 1:** 11780 JEFFERSON AVENUE
- **STREET 2:** P O BOX 6270
- **CITY:** NEWPORT NEWS
- **STATE:** VA
- **ZIP:** 23606
- **BUSINESS PHONE:** 7575992200

**MAIL ADDRESS:**
- **STREET 1:** P O BOX 6270
- **CITY:** NEWPORT NEWS
- **STATE:** VA
- **ZIP:** 23606

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** OLD POINT TRUST & FINANCIAL SERVICES N A
- **DATE OF NAME CHANGE:** 19991230

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2025

**Check here if Amendment** [ ] **Amendment Number:** 

**This Amendment (Check only one.):** [ ] is a restatement.

[ ] adds new holdings entries.

**Institutional Investment Manager Filing this Report:**

**Name:** Towne Trust Company N.A<br>**Address:** P O BOX 6270<br>NEWPORT NEWS, VA 23606

**Form 13F File Number:** 028-10669

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

**Person Signing this Report on Behalf of Reporting Manager:**

**Name:** Eric Kauders JR<br>**Title:** CEO  President<br>**Phone:** 7577281893

**Signature, Place, and Date of Signing:**

Eric Kauders JR  Newport News, VA  01-26-2026<br>[Signature]  [City, State]  [Date]

**Report Type (Check only one.):**

[x] **13F HOLDINGS REPORT.** (Check here if all holdings of this reporting manager are reported in this report.)

[ ] **13F NOTICE.** (Check here if no holdings are reported in this report, and all holdings are reported by other reporting manager(s).)

[ ] **13F COMBINATION REPORT.** (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)

### Form 13F Summary Page

**Report Summary:**

**Number of Other Included Managers:** 0

**Form 13F Information Table Entry Total:** 357

**Form 13F Information Table Value Total:** $320718949

      (round to nearest dollar)

**List of Other Included Managers:**

Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.

[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]

**NONE**

### FORM 13F INFORMATION TABLE

---

|  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | VOTING AUTHORITY | VOTING AUTHORITY | VOTING AUTHORITY |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | SOLE | SHARED | NONE |
| AFLAC INC | Com | 001055102 |  | 77079 | 699 | SH |  | SOLE | 0 | 699 | 0 | 0 |
| AT INC | Com | 00206R102 |  | 601923 | 24232 | SH |  | SOLE | 0 | 24232 | 0 | 0 |
| AT INC | Com | 00206R102 |  | 65230 | 2626 | SH |  | DFND | 0 | 2626 | 0 | 0 |
| AT INC | Pfd Stk | 00206R300 |  | 89243 | 4000 | SH |  | SOLE | 0 | 4000 | 0 | 0 |
| ABBOTT LABORATORIES | Com | 002824100 |  | 290798 | 2321 | SH |  | SOLE | 0 | 2321 | 0 | 0 |
| ABBOTT LABORATORIES | Com | 002824100 |  | 65777 | 525 | SH |  | DFND | 0 | 525 | 0 | 0 |
| ABBVIE INC | Com | 00287Y109 |  | 167255 | 732 | SH |  | SOLE | 0 | 732 | 0 | 0 |
| ABERDEEN TOTAL DYNAMIC DIVIDEN | Com | 00326L100 |  | 19081 | 1957 | SH |  | SOLE | 0 | 1957 | 0 | 0 |
| ADOBE SYS INC | Com | 00724F101 |  | 298541 | 853 | SH |  | SOLE | 0 | 853 | 0 | 0 |
| ADVANCED MICRO DEVICS | Com | 007903107 |  | 149484 | 698 | SH |  | SOLE | 0 | 698 | 0 | 0 |
| AEYE INC WT EXP | Com | 008183113 |  | 90 | 1000 | SH |  | SOLE | 0 | 1000 | 0 | 0 |
| AGILENT TECHNOLOGIES INC | Com | 00846U101 |  | 1300693 | 9559 | SH |  | SOLE | 0 | 9559 | 0 | 0 |
| AIRBNB INC-CLASS A | Com | 009066101 |  | 3936 | 29 | SH |  | SOLE | 0 | 29 | 0 | 0 |
| ALBEMARLE CORP | Com | 012653101 |  | 113152 | 800 | SH |  | SOLE | 0 | 800 | 0 | 0 |
| ALLIANCE RESOURCE PARTNERS | Com | 01877R108 |  | 23230 | 1000 | SH |  | SOLE | 0 | 1000 | 0 | 0 |
| ALPHABET INC - CL C | Com | 02079K107 |  | 42049 | 134 | SH |  | SOLE | 0 | 134 | 0 | 0 |
| ALPHABET INC - CL A | Com | 02079K305 |  | 5825243 | 18611 | SH |  | SOLE | 0 | 18511 | 0 | 100 |
| ALPHABET INC - CL A | Com | 02079K305 |  | 71990 | 230 | SH |  | DFND | 0 | 230 | 0 | 0 |
| ALTRIA GROUP INC | Com | 02209S103 |  | 743180 | 12889 | SH |  | SOLE | 0 | 12889 | 0 | 0 |
| AMAZON.COM INC | Com | 023135106 |  | 7945517 | 34423 | SH |  | SOLE | 0 | 34423 | 0 | 0 |
| AMAZON.COM INC | Com | 023135106 |  | 46164 | 200 | SH |  | DFND | 0 | 200 | 0 | 0 |
| AMERICAN ELECTRIC POWER CO INC | Com | 025537101 |  | 101934 | 884 | SH |  | SOLE | 0 | 884 | 0 | 0 |
| AMERICAN EXPRESS CO | Com | 025816109 |  | 111725 | 302 | SH |  | SOLE | 0 | 302 | 0 | 0 |
| AMERICAN INTERNATIONAL GROUP | Com | 026874784 |  | 6758 | 79 | SH |  | SOLE | 0 | 79 | 0 | 0 |
| AMERICAN WATER WORKS INC | Com | 030420103 |  | 18009 | 138 | SH |  | SOLE | 0 | 138 | 0 | 0 |
| AMGEN INC | Com | 031162100 |  | 7338290 | 22420 | SH |  | SOLE | 0 | 22420 | 0 | 0 |
| AMPHENOL CORP CL A | Com | 032095101 |  | 33515 | 248 | SH |  | SOLE | 0 | 248 | 0 | 0 |
| ANALOG DEVICES INC | Com | 032654105 |  | 206383 | 761 | SH |  | SOLE | 0 | 761 | 0 | 0 |
| ELEVANCE HEALTH INC | Com | 036752103 |  | 1052351 | 3002 | SH |  | SOLE | 0 | 3002 | 0 | 0 |
| APOLLO GLOBAL MANAGEMENT INC | Com | 03769M106 |  | 20990 | 145 | SH |  | SOLE | 0 | 145 | 0 | 0 |
| APPLE INC | Com | 037833100 |  | 12331026 | 45358 | SH |  | SOLE | 0 | 44858 | 0 | 500 |
| APPLE INC | Com | 037833100 |  | 165835 | 610 | SH |  | DFND | 0 | 610 | 0 | 0 |
| ARCHER DANIELS MIDLAND CO | Com | 039483102 |  | 5749 | 100 | SH |  | SOLE | 0 | 100 | 0 | 0 |
| ARES CAPITAL CORP COM | Com | 04010L103 |  | 13190 | 652 | SH |  | SOLE | 0 | 652 | 0 | 0 |
| ASTRAZENECA PLC-SPONS ADR | Com | 046353108 |  | 112614 | 1225 | SH |  | SOLE | 0 | 1225 | 0 | 0 |
| ATLANTIC UNION BANKSHARES CORP | Com | 04911A107 |  | 7660 | 217 | SH |  | SOLE | 0 | 217 | 0 | 0 |
| AUTOMATIC DATA PROCESSING INC | Com | 053015103 |  | 159997 | 622 | SH |  | SOLE | 0 | 622 | 0 | 0 |
| BCE INC NEW | Com | 05534B760 |  | 11910 | 500 | SH |  | SOLE | 0 | 500 | 0 | 0 |
| BP PLC SPONSORED ADR | Com | 055622104 |  | 37647 | 1084 | SH |  | SOLE | 0 | 1084 | 0 | 0 |
| BAKER HUGHES CO | Com | 05722G100 |  | 1873971 | 41150 | SH |  | SOLE | 0 | 41150 | 0 | 0 |
| BANK OF AMERICA CORP | Com | 060505104 |  | 868230 | 15786 | SH |  | SOLE | 0 | 15786 | 0 | 0 |
| BANK OF AMERICA CORP | Pfd Stk | 060505195 |  | 98480 | 4000 | SH |  | SOLE | 0 | 4000 | 0 | 0 |
| BARRICK MINING CORPORATION | Com | 06849F108 |  | 788255 | 18100 | SH |  | SOLE | 0 | 18100 | 0 | 0 |
| BAXTER INTL INC | Com | 071813109 |  | 78351 | 4100 | SH |  | SOLE | 0 | 4100 | 0 | 0 |
| BECTON DICKINSON  CO | Com | 075887109 |  | 15720 | 81 | SH |  | SOLE | 0 | 81 | 0 | 0 |
| WR BERKLEY CORP | Com | 084423102 |  | 1677901 | 23929 | SH |  | SOLE | 0 | 23929 | 0 | 0 |
| BERKSHIRE HATHAWAY INC CL B NE | Com | 084670702 |  | 208600 | 415 | SH |  | SOLE | 0 | 415 | 0 | 0 |
| BERKSHIRE HATHAWAY INC CL B NE | Com | 084670702 |  | 236246 | 470 | SH |  | DFND | 0 | 470 | 0 | 0 |
| BHP BILLITON LTD SPON ADR | Com | 088606108 |  | 8633 | 143 | SH |  | SOLE | 0 | 143 | 0 | 0 |
| BLACKROCK ENHANCED EQUITY DIV | Com | 09251A104 |  | 18524 | 1954 | SH |  | SOLE | 0 | 1954 | 0 | 0 |
| BLACKSTONE INC | Com | 09260D107 |  | 5949804 | 38600 | SH |  | SOLE | 0 | 38150 | 0 | 450 |
| BLACKROCK INC NEW COM | Com | 09290D101 |  | 11774 | 11 | SH |  | SOLE | 0 | 11 | 0 | 0 |
| BOEING CO. | Com | 097023105 |  | 5428 | 25 | SH |  | SOLE | 0 | 25 | 0 | 0 |
| BRISTOL-MYERS SQUIBB CO. | Com | 110122108 |  | 968277 | 17951 | SH |  | SOLE | 0 | 17951 | 0 | 0 |
| BROADCOM INC COM | Com | 11135F101 |  | 104868 | 303 | SH |  | SOLE | 0 | 303 | 0 | 0 |
| Brown-Forman Corporation Class | Com | 115637209 |  | 24418 | 937 | SH |  | SOLE | 0 | 937 | 0 | 0 |
| C  F FINANCIAL CORPORATION | Com | 12466Q104 |  | 50813 | 700 | SH |  | SOLE | 0 | 700 | 0 | 0 |
| CBRE GROUP INC | Com | 12504L109 |  | 1059285 | 6588 | SH |  | SOLE | 0 | 6588 | 0 | 0 |
| CME GROUP INC | Com | 12572Q105 |  | 4096 | 15 | SH |  | SOLE | 0 | 15 | 0 | 0 |
| CSX CORP | Com | 126408103 |  | 333428 | 9198 | SH |  | SOLE | 0 | 8398 | 0 | 800 |
| CADENCE DESIGN SYS INC | Com | 127387108 |  | 15942 | 51 | SH |  | SOLE | 0 | 51 | 0 | 0 |
| CANADIAN PACIFIC KANSAS CITY L | Com | 13646K108 |  | 73630 | 1000 | SH |  | SOLE | 0 | 1000 | 0 | 0 |
| CAPITAL ONE FINANCIAL CORP | Com | 14040H105 |  | 83372 | 344 | SH |  | SOLE | 0 | 344 | 0 | 0 |
| Carlyle Group Inc. | Com | 14316J108 |  | 177330 | 3000 | SH |  | SOLE | 0 | 3000 | 0 | 0 |
| CARRIAGE SERVICES INC | Com | 143905107 |  | 12690 | 300 | SH |  | SOLE | 0 | 300 | 0 | 0 |
| CARRIER GLOBAL CORP | Com | 14448C104 |  | 2483 | 47 | SH |  | SOLE | 0 | 47 | 0 | 0 |
| CATERPILLAR INC | Com | 149123101 |  | 725826 | 1267 | SH |  | SOLE | 0 | 1267 | 0 | 0 |
| CHEVRON CORP | Com | 166764100 |  | 1006363 | 6603 | SH |  | SOLE | 0 | 6603 | 0 | 0 |
| CHURCH  DWIGHT CO INC | Com | 171340102 |  | 71273 | 850 | SH |  | SOLE | 0 | 850 | 0 | 0 |
| CINCINNATI FINANCIAL CORP | Com | 172062101 |  | 40830 | 250 | SH |  | SOLE | 0 | 250 | 0 | 0 |
| CISCO SYSTEMS | Com | 17275R102 |  | 9186290 | 119256 | SH |  | SOLE | 0 | 118856 | 0 | 400 |
| CISCO SYSTEMS | Com | 17275R102 |  | 39285 | 510 | SH |  | DFND | 0 | 300 | 0 | 210 |
| CITIGROUP INC NEW | Com | 172967424 |  | 20888 | 179 | SH |  | SOLE | 0 | 179 | 0 | 0 |
| Clearway Energy Inc. | Com | 18539C105 |  | 21994 | 700 | SH |  | SOLE | 0 | 700 | 0 | 0 |
| CLOROX CO | Com | 189054109 |  | 236951 | 2350 | SH |  | SOLE | 0 | 2350 | 0 | 0 |
| COCA COLA BOTTLING CO CONS | Com | 191098102 |  | 42924 | 280 | SH |  | SOLE | 0 | 280 | 0 | 0 |
| COCA-COLA CO | Com | 191216100 |  | 1963912 | 28092 | SH |  | SOLE | 0 | 28092 | 0 | 0 |
| COGNIZANT TECH SOLUTIONS-A | Com | 192446102 |  | 30710 | 370 | SH |  | SOLE | 0 | 370 | 0 | 0 |
| COLGATE PALMOLIVE CO. | Com | 194162103 |  | 225207 | 2850 | SH |  | SOLE | 0 | 2850 | 0 | 0 |
| COMCAST CORP CL A | Com | 20030N101 |  | 5978 | 200 | SH |  | SOLE | 0 | 200 | 0 | 0 |
| CONOCOPHILLIPS | Com | 20825C104 |  | 8659393 | 92505 | SH |  | SOLE | 0 | 91701 | 0 | 804 |
| CONOCOPHILLIPS | Com | 20825C104 |  | 9361 | 100 | SH |  | DFND | 0 | 100 | 0 | 0 |
| CONSOLIDATED EDISON INC | Com | 209115104 |  | 42708 | 430 | SH |  | SOLE | 0 | 430 | 0 | 0 |
| CONSTELLATION BRANDS INC-A | Com | 21036P108 |  | 13796 | 100 | SH |  | SOLE | 0 | 100 | 0 | 0 |
| CONSTELLATION ENERGY CORPORATI | Com | 21037T109 |  | 129297 | 366 | SH |  | SOLE | 0 | 366 | 0 | 0 |
| CORNING INC | Com | 219350105 |  | 20752 | 237 | SH |  | SOLE | 0 | 237 | 0 | 0 |
| CORTEVA INC | Com | 22052L104 |  | 39615 | 591 | SH |  | SOLE | 0 | 591 | 0 | 0 |
| COSTCO WHOLESALE CORP | Com | 22160K105 |  | 205237 | 238 | SH |  | SOLE | 0 | 238 | 0 | 0 |
| CROWDSTRIKE HOLDINGS INC - A | Com | 22788C105 |  | 23907 | 51 | SH |  | DFND | 0 | 51 | 0 | 0 |
| DXC TECHNOLOGY CO | Com | 23355L106 |  | 117 | 8 | SH |  | SOLE | 0 | 8 | 0 | 0 |
| DANAHER CORP | Com | 235851102 |  | 251812 | 1100 | SH |  | SOLE | 0 | 1100 | 0 | 0 |
| DARDEN RESTAURANTS INC | Com | 237194105 |  | 220824 | 1200 | SH |  | SOLE | 0 | 1200 | 0 | 0 |
| DEERE  CO | Com | 244199105 |  | 810557 | 1741 | SH |  | SOLE | 0 | 1666 | 0 | 75 |
| DEVON ENERGY CORPORATION NEW | Com | 25179M103 |  | 302747 | 8265 | SH |  | SOLE | 0 | 8265 | 0 | 0 |
| WALT DISNEY CO/THE | Com | 254687106 |  | 735068 | 6461 | SH |  | SOLE | 0 | 6461 | 0 | 0 |
| DOMINION ENERGY INC | Com | 25746U109 |  | 1597105 | 27259 | SH |  | SOLE | 0 | 26859 | 0 | 400 |
| DOMINION ENERGY INC | Com | 25746U109 |  | 11659 | 199 | SH |  | DFND | 0 | 199 | 0 | 0 |
| DOW INC | Com | 260557103 |  | 13818 | 591 | SH |  | SOLE | 0 | 591 | 0 | 0 |
| DUKE ENERGY CORP NEW COM | Com | 26441C204 |  | 278139 | 2373 | SH |  | SOLE | 0 | 2373 | 0 | 0 |
| DUKE ENERGY CORP | Pfd Stk | 26441C501 |  | 99841 | 4000 | SH |  | SOLE | 0 | 4000 | 0 | 0 |
| EATON TAX ADVANTAGE DIVIDEND F | Com | 27828G107 |  | 22687 | 901 | SH |  | SOLE | 0 | 901 | 0 | 0 |
| EATON VANCE TX ADV GLBL DIV FD | Com | 27828S101 |  | 22199 | 961 | SH |  | SOLE | 0 | 961 | 0 | 0 |
| EATON VANCE TAX-MGD GLOBAL DIV | Com | 27829F108 |  | 19041 | 1998 | SH |  | SOLE | 0 | 1998 | 0 | 0 |
| ECOLAB INC | Com | 278865100 |  | 4960840 | 18897 | SH |  | SOLE | 0 | 18697 | 0 | 200 |
| ENBRIDGE INC | Com | 29250N105 |  | 4983838 | 104199 | SH |  | SOLE | 0 | 103199 | 0 | 1000 |
| ENTERGY CORP NEW | Com | 29364G103 |  | 64701 | 700 | SH |  | SOLE | 0 | 700 | 0 | 0 |
| EXELON CORPORATION | Com | 30161N101 |  | 47949 | 1100 | SH |  | SOLE | 0 | 1100 | 0 | 0 |
| EXXON MOBIL CORPORATION | Com | 30231G102 |  | 10134794 | 84218 | SH |  | SOLE | 0 | 83918 | 0 | 300 |
| EXXON MOBIL CORPORATION | Com | 30231G102 |  | 97957 | 814 | SH |  | DFND | 0 | 703 | 0 | 111 |
| META PLATFORMS INC | Com | 30303M102 |  | 347867 | 527 | SH |  | SOLE | 0 | 527 | 0 | 0 |
| Fair Isaac Corp | Com | 303250104 |  | 10144 | 6 | SH |  | SOLE | 0 | 6 | 0 | 0 |
| FASTENAL CO | Com | 311900104 |  | 33789 | 842 | SH |  | SOLE | 0 | 842 | 0 | 0 |
| FEDEX CORPORATION | Com | 31428X106 |  | 57772 | 200 | SH |  | SOLE | 0 | 200 | 0 | 0 |
| FERGUSON ENTERPRISES INC | Com | 31488V107 |  | 44971 | 202 | SH |  | SOLE | 0 | 202 | 0 | 0 |
| FIRST SOLAR INC | Com | 336433107 |  | 26123 | 100 | SH |  | SOLE | 0 | 100 | 0 | 0 |
| FIRSTENERGY CORP | Com | 337932107 |  | 11775 | 263 | SH |  | SOLE | 0 | 263 | 0 | 0 |
| FOX CORP - CLASS B | Com | 35137L204 |  | 474444 | 7307 | SH |  | SOLE | 0 | 7307 | 0 | 0 |
| GABELLI DIVIDEND  INCOME TR | Com | 36242H104 |  | 21327 | 768 | SH |  | SOLE | 0 | 768 | 0 | 0 |
| GE HEALTHCARE TECHNOLOGIES INC | Com | 36266G107 |  | 43389 | 529 | SH |  | SOLE | 0 | 529 | 0 | 0 |
| Arthur J. Gallagher  Co | Com | 363576109 |  | 8022 | 31 | SH |  | SOLE | 0 | 31 | 0 | 0 |
| GE VERNOVA LLC COM | Com | 36828A101 |  | 461420 | 706 | SH |  | SOLE | 0 | 706 | 0 | 0 |
| GENERAL DYNAMICS CORP | Com | 369550108 |  | 33329 | 99 | SH |  | SOLE | 0 | 99 | 0 | 0 |
| GE AEROSPACE | Com | 369604301 |  | 1815837 | 5895 | SH |  | SOLE | 0 | 5895 | 0 | 0 |
| GENERAL MILLS INC | Com | 370334104 |  | 9300 | 200 | SH |  | SOLE | 0 | 200 | 0 | 0 |
| GENERAL MOTORS CO | Com | 37045V100 |  | 40660 | 500 | SH |  | SOLE | 0 | 500 | 0 | 0 |
| GENUINE PARTS CO | Com | 372460105 |  | 416220 | 3385 | SH |  | SOLE | 0 | 3385 | 0 | 0 |
| GSK PLC SPON ADS EACH REP 2 OR | Com | 37733W204 |  | 27462 | 560 | SH |  | SOLE | 0 | 560 | 0 | 0 |
| GOLDMAN SACHS GROUP INC | Com | 38141G104 |  | 516852 | 588 | SH |  | SOLE | 0 | 588 | 0 | 0 |
| MFC GOLDMAN SACHS LG CAP EQUIT | Com | 381430503 |  | 11384 | 86 | SH |  | SOLE | 0 | 86 | 0 | 0 |
| HP INC | Com | 40434L105 |  | 2228 | 100 | SH |  | SOLE | 0 | 100 | 0 | 0 |
| HALEON PLC - ADR | Com | 405552100 |  | 1011 | 100 | SH |  | SOLE | 0 | 100 | 0 | 0 |
| HALLIBURTON CO. | Com | 406216101 |  | 8478 | 300 | SH |  | SOLE | 0 | 300 | 0 | 0 |
| HARTFORD FINANCIAL SERVICES GR | Com | 416515104 |  | 3583 | 26 | SH |  | SOLE | 0 | 26 | 0 | 0 |
| HECLA MINING CO | Com | 422704106 |  | 1421979 | 74100 | SH |  | SOLE | 0 | 74100 | 0 | 0 |
| HERSHEY COMPANY | Com | 427866108 |  | 277520 | 1525 | SH |  | SOLE | 0 | 1525 | 0 | 0 |
| HEWLETT PACKARD ENTERPRISE CO | Com | 42824C109 |  | 1865898 | 77681 | SH |  | SOLE | 0 | 75981 | 0 | 1700 |
| HILTON WORLDWIDE HOLDINGS IN | Com | 43300A203 |  | 28725 | 100 | SH |  | SOLE | 0 | 100 | 0 | 0 |
| HOME DEPOT INC. | Com | 437076102 |  | 305561 | 888 | SH |  | SOLE | 0 | 888 | 0 | 0 |
| HONEYWELL INTERNATIONAL INC | Com | 438516106 |  | 862298 | 4420 | SH |  | SOLE | 0 | 4420 | 0 | 0 |
| HUNTINGTON INGALLS INDS INC | Com | 446413106 |  | 68014 | 200 | SH |  | SOLE | 0 | 200 | 0 | 0 |
| IDEXX LABORATORIES INC | Com | 45168D104 |  | 5412 | 8 | SH |  | SOLE | 0 | 8 | 0 | 0 |
| ILLINOIS TOOL WORKS | Com | 452308109 |  | 220439 | 895 | SH |  | SOLE | 0 | 895 | 0 | 0 |
| INTEL CORP | Com | 458140100 |  | 219555 | 5950 | SH |  | SOLE | 0 | 5950 | 0 | 0 |
| INTEL CORP | Com | 458140100 |  | 3690 | 100 | SH |  | DFND | 0 | 100 | 0 | 0 |
| INTERNATIONAL BUSINESS MACHINE | Com | 459200101 |  | 3390716 | 11447 | SH |  | SOLE | 0 | 11447 | 0 | 0 |
| INTERNATIONAL BUSINESS MACHINE | Com | 459200101 |  | 29621 | 100 | SH |  | DFND | 0 | 100 | 0 | 0 |
| INVESCO QQQ TRUST SERIES 1 | Com | 46090E103 |  | 1630993 | 2655 | SH |  | SOLE | 0 | 2655 | 0 | 0 |
| INTUIT INC | Com | 461202103 |  | 21197 | 32 | SH |  | SOLE | 0 | 32 | 0 | 0 |
| INVESCO BULLETSHARES 2029 | Com | 46138J577 |  | 890142 | 47260 | SH |  | SOLE | 0 | 47260 | 0 | 0 |
| INVESCO BULLETSHARES 2028 | Com | 46138J643 |  | 1228110 | 59617 | SH |  | SOLE | 0 | 59617 | 0 | 0 |
| INVESCO BULLETSHARES 2027 | Com | 46138J783 |  | 1237876 | 62709 | SH |  | SOLE | 0 | 62709 | 0 | 0 |
| INVESCO BULLETSHARES 2026 | Com | 46138J791 |  | 666196 | 34033 | SH |  | SOLE | 0 | 34033 | 0 | 0 |
| IQVIA HOLDINGS INC | Com | 46266C105 |  | 18484 | 82 | SH |  | SOLE | 0 | 82 | 0 | 0 |
| ISHARES GOLD TRUST NEW | Com | 464285204 |  | 787349 | 9700 | SH |  | SOLE | 0 | 9700 | 0 | 0 |
| ISHARES CORE S TOTAL US STOC | Com | 464287150 |  | 27359 | 184 | SH |  | SOLE | 0 | 184 | 0 | 0 |
| ISHARES S 500 INDEX FUND ETF | Com | 464287200 |  | 318497 | 465 | SH |  | SOLE | 0 | 465 | 0 | 0 |
| ISHARES 7-10 YR TREAS BD ETF | Com | 464287440 |  | 3943 | 41 | SH |  | SOLE | 0 | 41 | 0 | 0 |
| ISHARES S MIDCAP 400 INDEX F | Com | 464287507 |  | 6402 | 97 | SH |  | SOLE | 0 | 97 | 0 | 0 |
| ISHARES RUSSELL 1000 VALUE ETF | Com | 464287598 |  | 66678 | 317 | SH |  | SOLE | 0 | 317 | 0 | 0 |
| ISHARES RUSSELL 1000 GROWTH ET | Com | 464287614 |  | 906370 | 1915 | SH |  | SOLE | 0 | 1915 | 0 | 0 |
| ISHARES RUSSELL 2000 ETF | Com | 464287655 |  | 206528 | 839 | SH |  | SOLE | 0 | 839 | 0 | 0 |
| iShares Core S US Value ETF | Com | 464287663 |  | 3187661 | 31087 | SH |  | SOLE | 0 | 31087 | 0 | 0 |
| ISHARES S MID-CAP 400 VALUE | Com | 464287705 |  | 139749 | 1062 | SH |  | SOLE | 0 | 1062 | 0 | 0 |
| ISHARES S SMALL-CAP 600 VALU | Com | 464287879 |  | 11372 | 100 | SH |  | SOLE | 0 | 100 | 0 | 0 |
| iShares Morningstar Mid-Cap Gr | Com | 464288307 |  | 2519910 | 31562 | SH |  | SOLE | 0 | 31404 | 0 | 158 |
| iShares Morningstar Mid-Cap Gr | Com | 464288307 |  | 44231 | 554 | SH |  | DFND | 0 | 554 | 0 | 0 |
| ISHARES SILVER TRUST | Com | 46428Q109 |  | 124009 | 1925 | SH |  | SOLE | 0 | 1925 | 0 | 0 |
| ISHARES US TREASURY BD FD ETF | Com | 46429B267 |  | 25742 | 1118 | SH |  | SOLE | 0 | 1118 | 0 | 0 |
| ISHARES TR CORE MSCI EAFE ETF | Com | 46432F842 |  | 318030 | 3555 | SH |  | SOLE | 0 | 3555 | 0 | 0 |
| ISHARES CORE MSCI EMERGING MKT | Com | 46434G103 |  | 50348 | 749 | SH |  | SOLE | 0 | 749 | 0 | 0 |
| iShares Core MSCI Internationa | Com | 46435G326 |  | 1637310 | 19851 | SH |  | SOLE | 0 | 19851 | 0 | 0 |
| MFC ISHARES TR BROAD USD HI YL | Com | 46435U853 |  | 4487 | 120 | SH |  | SOLE | 0 | 120 | 0 | 0 |
| iShares iBonds Dec 2029 Term T | Com | 46436E825 |  | 185128 | 8436 | SH |  | SOLE | 0 | 8436 | 0 | 0 |
| iShares ibonds Dec 2028 Term T | Com | 46436E833 |  | 252725 | 11300 | SH |  | SOLE | 0 | 11300 | 0 | 0 |
| iShares iBonds Dec 2027 Term T | Com | 46436E841 |  | 349858 | 15570 | SH |  | SOLE | 0 | 15570 | 0 | 0 |
| iShares iBonds Dec 2026 Term T | Com | 46436E858 |  | 379725 | 16600 | SH |  | SOLE | 0 | 16600 | 0 | 0 |
| JP MORGAN CHASE  CO | Com | 46625H100 |  | 2108285 | 6543 | SH |  | SOLE | 0 | 6543 | 0 | 0 |
| JPMorgan Core Plus Bond ETF | Com | 46641Q670 |  | 1978662 | 41788 | SH |  | SOLE | 0 | 41788 | 0 | 0 |
| Jefferies Financial Group | Com | 47233w109 |  | 160626 | 2592 | SH |  | SOLE | 0 | 2592 | 0 | 0 |
| JOHNSON  JOHNSON | Com | 478160104 |  | 9718579 | 46961 | SH |  | SOLE | 0 | 46961 | 0 | 0 |
| JOHNSON  JOHNSON | Com | 478160104 |  | 207985 | 1005 | SH |  | DFND | 0 | 930 | 0 | 75 |
| JPMORGAN CHASE  CO | Pfd Stk | 48128B655 |  | 99931 | 4000 | SH |  | SOLE | 0 | 4000 | 0 | 0 |
| KIMBERLY CLARK CORP | Com | 494368103 |  | 678384 | 6724 | SH |  | SOLE | 0 | 6724 | 0 | 0 |
| KINDER MORGAN INC | Com | 49456B101 |  | 5132575 | 186707 | SH |  | SOLE | 0 | 185607 | 0 | 1100 |
| KINDER MORGAN INC | Com | 49456B101 |  | 13745 | 500 | SH |  | DFND | 0 | 500 | 0 | 0 |
| KINROSS GOLD CORP | Com | 496902404 |  | 28160 | 1000 | SH |  | SOLE | 0 | 1000 | 0 | 0 |
| KRAFT HEINZ CO | Com | 500754106 |  | 15375 | 634 | SH |  | SOLE | 0 | 634 | 0 | 0 |
| KROGER CO | Com | 501044101 |  | 9372 | 150 | SH |  | SOLE | 0 | 150 | 0 | 0 |
| L3HARRIS TECHNOLOGIES INC | Com | 502431109 |  | 8220 | 28 | SH |  | SOLE | 0 | 28 | 0 | 0 |
| LAM RESEARCH CORP NEW | Com | 512807306 |  | 34236 | 200 | SH |  | SOLE | 0 | 200 | 0 | 0 |
| LEMONADE INC | Com | 52567D107 |  | 7118 | 100 | SH |  | SOLE | 0 | 100 | 0 | 0 |
| LILLY (ELI)  CO. | Com | 532457108 |  | 240728 | 224 | SH |  | SOLE | 0 | 224 | 0 | 0 |
| LOCKHEED MARTIN CORP | Com | 539830109 |  | 3620270 | 7485 | SH |  | SOLE | 0 | 7485 | 0 | 0 |
| LOCKHEED MARTIN CORP | Com | 539830109 |  | 4837 | 10 | SH |  | DFND | 0 | 10 | 0 | 0 |
| LOWES COMPANIES | Com | 548661107 |  | 739879 | 3068 | SH |  | SOLE | 0 | 3068 | 0 | 0 |
| LUMINAR TECHNOLOGIES INC | Com | 550424303 |  | 0 | 1 | SH |  | SOLE | 0 | 1 | 0 | 0 |
| M  T BANK CORP | Com | 55261F104 |  | 50370 | 250 | SH |  | SOLE | 0 | 250 | 0 | 0 |
| MSC INDUSTRIAL DIRECT CO-A | Com | 553530106 |  | 126150 | 1500 | SH |  | SOLE | 0 | 1500 | 0 | 0 |
| MSCI Inc | Com | 55354G100 |  | 6311 | 11 | SH |  | SOLE | 0 | 11 | 0 | 0 |
| MARATHON PETROLEUM CORP | Com | 56585A102 |  | 881455 | 5420 | SH |  | SOLE | 0 | 5420 | 0 | 0 |
| MARSH  MCLENNAN COMPANIES INC | Com | 571748102 |  | 5937 | 32 | SH |  | SOLE | 0 | 32 | 0 | 0 |
| MARRIOTT INTERNATIONAL INC NEW | Com | 571903202 |  | 2497432 | 8050 | SH |  | SOLE | 0 | 8050 | 0 | 0 |
| MASTERCARD INC - CLASS A | Com | 57636Q104 |  | 146716 | 257 | SH |  | SOLE | 0 | 257 | 0 | 0 |
| MATTHEWS INTL CORP-CLASS A | Com | 577128101 |  | 6269 | 240 | SH |  | SOLE | 0 | 240 | 0 | 0 |
| MCDONALDS CORP | Com | 580135101 |  | 271094 | 887 | SH |  | SOLE | 0 | 887 | 0 | 0 |
| MERCK  CO INC NEW | Com | 58933Y105 |  | 2543187 | 24161 | SH |  | SOLE | 0 | 24161 | 0 | 0 |
| METLIFE INC | Com | 59156R108 |  | 18551 | 235 | SH |  | SOLE | 0 | 235 | 0 | 0 |
| MICROSOFT CORP | Com | 594918104 |  | 16103095 | 33297 | SH |  | SOLE | 0 | 32947 | 0 | 350 |
| MICROSOFT CORP | Com | 594918104 |  | 275663 | 570 | SH |  | DFND | 0 | 570 | 0 | 0 |
| MIDDLEBY CORP | Com | 596278101 |  | 17840 | 120 | SH |  | SOLE | 0 | 120 | 0 | 0 |
| MODERNA INC | Com | 60770K107 |  | 5898 | 200 | SH |  | SOLE | 0 | 200 | 0 | 0 |
| MONDELEZ INTERNATIONAL INC | Com | 609207105 |  | 379986 | 7059 | SH |  | SOLE | 0 | 7059 | 0 | 0 |
| MORGAN STANLEY | Com | 617446448 |  | 313696 | 1767 | SH |  | SOLE | 0 | 1767 | 0 | 0 |
| MOSAIC CO/THE | Com | 61945C103 |  | 74679 | 3100 | SH |  | SOLE | 0 | 3100 | 0 | 0 |
| NETFLIX INC | Com | 64110L106 |  | 46880 | 500 | SH |  | SOLE | 0 | 500 | 0 | 0 |
| NEWMONT MINING | Com | 651639106 |  | 668995 | 6700 | SH |  | SOLE | 0 | 6700 | 0 | 0 |
| NEWS CORP - CLASS B (NEW) | Com | 65249B208 |  | 2963 | 100 | SH |  | SOLE | 0 | 100 | 0 | 0 |
| NEXTERA ENERGY INC | Com | 65339F101 |  | 5329629 | 66388 | SH |  | SOLE | 0 | 65588 | 0 | 800 |
| NEXTERA ENERGY INC | Com | 65339F101 |  | 6021 | 75 | SH |  | DFND | 0 | 75 | 0 | 0 |
| NEXTERA ENERGY CAPITAL | Pfd Stk | 65339K860 |  | 95360 | 4000 | SH |  | SOLE | 0 | 4000 | 0 | 0 |
| NIKE INC. | Com | 654106103 |  | 217633 | 3416 | SH |  | SOLE | 0 | 3416 | 0 | 0 |
| NORFOLK SOUTHERN CORP. | Com | 655844108 |  | 3664434 | 12692 | SH |  | SOLE | 0 | 12392 | 0 | 300 |
| NORTHROP GRUMMAN CORP COM | Com | 666807102 |  | 76978 | 135 | SH |  | SOLE | 0 | 135 | 0 | 0 |
| NOVARTIS AG-ADR | Com | 66987V109 |  | 20543 | 149 | SH |  | SOLE | 0 | 149 | 0 | 0 |
| NUVEEN AMT-FREE MUNICIPAL INCO | Com | 670657105 |  | 17282 | 1486 | SH |  | SOLE | 0 | 1486 | 0 | 0 |
| NVIDIA CORP | Com | 67066G104 |  | 1014187 | 5438 | SH |  | SOLE | 0 | 5438 | 0 | 0 |
| NUVEEN QUALITY MUNICIPAL INC | Com | 67066V101 |  | 17381 | 1446 | SH |  | SOLE | 0 | 1446 | 0 | 0 |
| NUVEEN ENHANCED MUNICIPAL CRED | Com | 67070X101 |  | 16996 | 1351 | SH |  | SOLE | 0 | 1351 | 0 | 0 |
| Nuveen Multi-Asset Income Fund | Com | 670750108 |  | 53464 | 4100 | SH |  | SOLE | 0 | 4100 | 0 | 0 |
| OCCIDENTAL PETE CORP WT EXP 08 | Com | 674599162 |  | 231 | 12 | SH |  | SOLE | 0 | 12 | 0 | 0 |
| OMNICOM GROUP INC | Com | 681919106 |  | 83334 | 1032 | SH |  | SOLE | 0 | 1032 | 0 | 0 |
| ONEOK INC | Com | 682680103 |  | 23226 | 316 | SH |  | SOLE | 0 | 316 | 0 | 0 |
| ORACLE CORP | Com | 68389X105 |  | 208554 | 1070 | SH |  | SOLE | 0 | 1070 | 0 | 0 |
| OTIS WORLDWIDE CORP | Com | 68902V107 |  | 524 | 6 | SH |  | SOLE | 0 | 6 | 0 | 0 |
| PNC FINANCIAL SERVICES GROUP | Com | 693475105 |  | 5218 | 25 | SH |  | SOLE | 0 | 25 | 0 | 0 |
| PPG INDUSTRIES INC. | Com | 693506107 |  | 327872 | 3200 | SH |  | SOLE | 0 | 3200 | 0 | 0 |
| PPL CORPORATION | Com | 69351T106 |  | 4518 | 129 | SH |  | SOLE | 0 | 129 | 0 | 0 |
| PACER TRENDPILOT 100 ETF | Com | 69374H303 |  | 35550 | 452 | SH |  | SOLE | 0 | 452 | 0 | 0 |
| PALANTIR TECHNOLOGIES INC - A | Com | 69608A108 |  | 9849839 | 55414 | SH |  | SOLE | 0 | 55414 | 0 | 0 |
| PAN AMERN SILVER CORP | Com | 697900108 |  | 1088010 | 21000 | SH |  | SOLE | 0 | 21000 | 0 | 0 |
| PAYCHEX INC | Com | 704326107 |  | 3478 | 31 | SH |  | SOLE | 0 | 31 | 0 | 0 |
| Paycom Software Inc | Com | 70432v102 |  | 2550 | 16 | SH |  | SOLE | 0 | 16 | 0 | 0 |
| PAYPAL HOLDINGS INC | Com | 70450Y103 |  | 7181 | 123 | SH |  | SOLE | 0 | 123 | 0 | 0 |
| PEPSICO INC | Com | 713448108 |  | 7349516 | 51209 | SH |  | SOLE | 0 | 50909 | 0 | 300 |
| PEPSICO INC | Com | 713448108 |  | 14352 | 100 | SH |  | DFND | 0 | 100 | 0 | 0 |
| PFIZER INC | Com | 717081103 |  | 1057528 | 42471 | SH |  | SOLE | 0 | 42471 | 0 | 0 |
| PFIZER INC | Com | 717081103 |  | 26270 | 1055 | SH |  | DFND | 0 | 1055 | 0 | 0 |
| PHILIP MORRIS INTERNATIONAL IN | Com | 718172109 |  | 2173260 | 13549 | SH |  | SOLE | 0 | 13549 | 0 | 0 |
| PHILLIPS 66 | Com | 718546104 |  | 483900 | 3750 | SH |  | SOLE | 0 | 3750 | 0 | 0 |
| T ROWE PRICE GROUP INC | Com | 74144T108 |  | 557971 | 5450 | SH |  | SOLE | 0 | 5450 | 0 | 0 |
| PRIMIS FINANCIAL CORP | Com | 74167B109 |  | 8110 | 583 | SH |  | SOLE | 0 | 583 | 0 | 0 |
| PROCTER  GAMBLE CO. | Com | 742718109 |  | 8107907 | 56576 | SH |  | SOLE | 0 | 56176 | 0 | 400 |
| PROCTER  GAMBLE CO. | Com | 742718109 |  | 83120 | 580 | SH |  | DFND | 0 | 500 | 0 | 80 |
| PROGRESSIVE CORP | Com | 743315103 |  | 614844 | 2700 | SH |  | SOLE | 0 | 2700 | 0 | 0 |
| PROLOGIS INC | Com | 74340W103 |  | 36383 | 285 | SH |  | SOLE | 0 | 285 | 0 | 0 |
| PROTO LABS INC | Com | 743713109 |  | 5059 | 100 | SH |  | SOLE | 0 | 100 | 0 | 0 |
| PRUDENTIAL FINANCIAL INC | Com | 744320102 |  | 22576 | 200 | SH |  | SOLE | 0 | 200 | 0 | 0 |
| PUBLIC STORAGE INC COM | Com | 74460D109 |  | 48008 | 185 | SH |  | SOLE | 0 | 185 | 0 | 0 |
| PUTNAM MANAGED MUNI INCOME TRU | Com | 746823103 |  | 16829 | 2684 | SH |  | SOLE | 0 | 2684 | 0 | 0 |
| QUALCOMM INC | Com | 747525103 |  | 892197 | 5216 | SH |  | SOLE | 0 | 5216 | 0 | 0 |
| RTX CORPORATION | Com | 75513E101 |  | 10548985 | 57519 | SH |  | SOLE | 0 | 57519 | 0 | 0 |
| RTX CORPORATION | Com | 75513E101 |  | 42732 | 233 | SH |  | DFND | 0 | 233 | 0 | 0 |
| ROCKWELL INTL CORP | Com | 773903109 |  | 59917 | 154 | SH |  | SOLE | 0 | 154 | 0 | 0 |
| ROYAL BK CDA MONTREAL QUE COM | Com | 780087102 |  | 596715 | 3500 | SH |  | SOLE | 0 | 3500 | 0 | 0 |
| SHELL PLC ADR | Com | 780259305 |  | 36740 | 500 | SH |  | SOLE | 0 | 500 | 0 | 0 |
| S  P 500 DEPOSITARY RECEIPT | Com | 78462F103 |  | 13638 | 20 | SH |  | SOLE | 0 | 20 | 0 | 0 |
| SPDR GOLD TRUST | Com | 78463V107 |  | 1489729 | 3759 | SH |  | SOLE | 0 | 3759 | 0 | 0 |
| SPDR INDEX SHARES EMERG | Com | 78463X509 |  | 1050978 | 22452 | SH |  | SOLE | 0 | 22178 | 0 | 274 |
| SPDR S 600 SMALL CAP VALUE | Com | 78464A300 |  | 11371 | 125 | SH |  | SOLE | 0 | 125 | 0 | 0 |
| SPDR Portfolio S 500 Growth | Com | 78464A409 |  | 3109985 | 29147 | SH |  | SOLE | 0 | 28985 | 0 | 162 |
| SPDR S MIDCAP 400 ETF TRUST | Com | 78467Y107 |  | 826494 | 1370 | SH |  | SOLE | 0 | 1370 | 0 | 0 |
| SPDR Portfolio High Yield Bond | Com | 78468R606 |  | 2261976 | 95563 | SH |  | SOLE | 0 | 95563 | 0 | 0 |
| SALESFORCE INC | Com | 79466L302 |  | 1458859 | 5507 | SH |  | SOLE | 0 | 5407 | 0 | 100 |
| SANOFI-ADR | Com | 80105N105 |  | 9692 | 200 | SH |  | SOLE | 0 | 200 | 0 | 0 |
| SCHLUMBERGER LTD | Com | 806857108 |  | 3838 | 100 | SH |  | SOLE | 0 | 100 | 0 | 0 |
| CHARLES SCHWAB CORP NEW | Com | 808513105 |  | 36567 | 366 | SH |  | SOLE | 0 | 366 | 0 | 0 |
| SCHWAB US LARGE CAP | Com | 808524300 |  | 9003 | 276 | SH |  | SOLE | 0 | 276 | 0 | 0 |
| CHARLES SCHWAB US MC | Com | 808524508 |  | 3789 | 126 | SH |  | SOLE | 0 | 126 | 0 | 0 |
| SCHWAB FUNDAMENTAL INTL L/C | Com | 808524755 |  | 8257787 | 182654 | SH |  | SOLE | 0 | 181743 | 0 | 911 |
| SCHWAB FUNDAMENTAL INTL L/C | Com | 808524755 |  | 36168 | 800 | SH |  | DFND | 0 | 800 | 0 | 0 |
| SCHWAB INTERNATIONAL | Com | 808524805 |  | 5818 | 242 | SH |  | SOLE | 0 | 242 | 0 | 0 |
| SEMPRA | Com | 816851109 |  | 4415 | 50 | SH |  | SOLE | 0 | 50 | 0 | 0 |
| SERVICENOW INC | Com | 81762P102 |  | 5362 | 35 | SH |  | SOLE | 0 | 35 | 0 | 0 |
| SHOPIFY INC CL A | Com | 82509L107 |  | 11429 | 71 | SH |  | SOLE | 0 | 71 | 0 | 0 |
| SIMON PROPERTY GROUP INC | Com | 828806109 |  | 55533 | 300 | SH |  | SOLE | 0 | 300 | 0 | 0 |
| SMUCKER J M CO NEW | Com | 832696405 |  | 50470 | 516 | SH |  | SOLE | 0 | 516 | 0 | 0 |
| SOLSTICE ADVANCED MATLS INC CO | Com | 83443Q103 |  | 43965 | 905 | SH |  | SOLE | 0 | 905 | 0 | 0 |
| SOLVENTUM CORP COM | Com | 83444M101 |  | 13867 | 175 | SH |  | SOLE | 0 | 175 | 0 | 0 |
| SOUTHERN CO | Com | 842587107 |  | 6449138 | 73958 | SH |  | SOLE | 0 | 73558 | 0 | 400 |
| STARBUCKS CORP | Com | 855244109 |  | 131452 | 1561 | SH |  | SOLE | 0 | 1561 | 0 | 0 |
| STRYKER CORP | Com | 863667101 |  | 63968 | 182 | SH |  | SOLE | 0 | 182 | 0 | 0 |
| SYSCO CORP | Com | 871829107 |  | 2752764 | 37356 | SH |  | SOLE | 0 | 36856 | 0 | 500 |
| SYSCO CORP | Com | 871829107 |  | 5527 | 75 | SH |  | DFND | 0 | 75 | 0 | 0 |
| TJX COMPANIES INC | Com | 872540109 |  | 45622 | 297 | SH |  | SOLE | 0 | 297 | 0 | 0 |
| TAIWAN SEMICONDUCTOR - SP ADR | Com | 874039100 |  | 55004 | 181 | SH |  | SOLE | 0 | 181 | 0 | 0 |
| Take-Two Interactive Software | Com | 874054109 |  | 2048 | 8 | SH |  | SOLE | 0 | 8 | 0 | 0 |
| TARGET CORP | Com | 87612E106 |  | 994313 | 10172 | SH |  | SOLE | 0 | 10172 | 0 | 0 |
| TARGET CORP | Com | 87612E106 |  | 37634 | 385 | SH |  | DFND | 0 | 385 | 0 | 0 |
| TARGA RESOURCES CORP | Com | 87612G101 |  | 1292 | 7 | SH |  | SOLE | 0 | 7 | 0 | 0 |
| TC ENERGY CORP | Com | 87807B107 |  | 16503 | 300 | SH |  | SOLE | 0 | 300 | 0 | 0 |
| TEREX CORP | Com | 880779103 |  | 34911 | 654 | SH |  | SOLE | 0 | 654 | 0 | 0 |
| TESLA  INC | Com | 88160R101 |  | 281075 | 625 | SH |  | SOLE | 0 | 625 | 0 | 0 |
| TEXAS INSTRUMENTSINC. | Com | 882508104 |  | 2255 | 13 | SH |  | SOLE | 0 | 13 | 0 | 0 |
| 3M CO | Com | 88579Y101 |  | 441556 | 2758 | SH |  | SOLE | 0 | 2758 | 0 | 0 |
| TOWNEBANK | Com | 89214P109 |  | 6824699 | 204516 | SH |  | SOLE | 0 | 204516 | 0 | 0 |
| TRACTOR SUPPLY COMPANY | Com | 892356106 |  | 75015 | 1500 | SH |  | SOLE | 0 | 1500 | 0 | 0 |
| TRAVELERS COMPANIES INC | Com | 89417E109 |  | 21174 | 73 | SH |  | SOLE | 0 | 73 | 0 | 0 |
| TRUIST FINANCIAL CORP | Com | 89832Q109 |  | 5964104 | 121197 | SH |  | SOLE | 0 | 120697 | 0 | 500 |
| TRUIST FINANCIAL CORP | Com | 89832Q109 |  | 54869 | 1115 | SH |  | DFND | 0 | 1115 | 0 | 0 |
| ULTA BEAUTY INC | Com | 90384S303 |  | 1729119 | 2858 | SH |  | SOLE | 0 | 2858 | 0 | 0 |
| UNILEVER PLC SPONSORED ADS | Com | 904767803 |  | 24358 | 372 | SH |  | SOLE | 0 | 372 | 0 | 0 |
| UNION PACIFIC CORP | Com | 907818108 |  | 1619 | 7 | SH |  | SOLE | 0 | 7 | 0 | 0 |
| UNITED CONTINENTAL HOLDINGS IN | Com | 910047109 |  | 22364 | 200 | SH |  | SOLE | 0 | 200 | 0 | 0 |
| UNITED PARCEL SERVICE CL B | Com | 911312106 |  | 1466425 | 14784 | SH |  | SOLE | 0 | 14684 | 0 | 100 |
| UNITED PARCEL SERVICE CL B | Com | 911312106 |  | 1984 | 20 | SH |  | DFND | 0 | 20 | 0 | 0 |
| UNITED HEALTH GROUP INC | Com | 91324P102 |  | 168356 | 510 | SH |  | SOLE | 0 | 510 | 0 | 0 |
| VALERO ENERGY CORP | Com | 91913Y100 |  | 260464 | 1600 | SH |  | SOLE | 0 | 1600 | 0 | 0 |
| VANGUARD DIVIDEND APPRECIATION | Com | 921908844 |  | 328791 | 1496 | SH |  | SOLE | 0 | 1496 | 0 | 0 |
| VANGUARD SHORT - TERM BOND ETF | Com | 921937827 |  | 2532008 | 32128 | SH |  | SOLE | 0 | 32128 | 0 | 0 |
| VANGUARD TOTAL WORLD STK ETF | Com | 922042742 |  | 83084 | 589 | SH |  | SOLE | 0 | 589 | 0 | 0 |
| VANGUARD INTERME | Com | 92206C706 |  | 2615765 | 43647 | SH |  | SOLE | 0 | 43647 | 0 | 0 |
| VANGUARD INTERMED TRM CORP BD | Com | 92206C870 |  | 1605069 | 19165 | SH |  | SOLE | 0 | 19165 | 0 | 0 |
| VANGUARD S 500 ETF | Com | 922908363 |  | 2798254 | 4462 | SH |  | SOLE | 0 | 4462 | 0 | 0 |
| VANGUARD SMALL-CAP VALUE ETF | Com | 922908611 |  | 5946428 | 28077 | SH |  | SOLE | 0 | 27995 | 0 | 82 |
| VANGUARD SMALL-CAP VALUE ETF | Com | 922908611 |  | 6354 | 30 | SH |  | DFND | 0 | 30 | 0 | 0 |
| VANGUARD VALUE ETF | Com | 922908744 |  | 36097 | 189 | SH |  | SOLE | 0 | 189 | 0 | 0 |
| VeriSign Inc. | Com | 92343E102 |  | 18221 | 75 | SH |  | SOLE | 0 | 75 | 0 | 0 |
| VERIZON COMMUNICATIONS | Com | 92343V104 |  | 3351061 | 82275 | SH |  | SOLE | 0 | 81475 | 0 | 800 |
| VERIZON COMMUNICATIONS | Com | 92343V104 |  | 31321 | 769 | SH |  | DFND | 0 | 769 | 0 | 0 |
| Vertiv Holdings Co. | Com | 92537N108 |  | 40503 | 250 | SH |  | SOLE | 0 | 250 | 0 | 0 |
| VICI PROPERTIES INC | Com | 925652109 |  | 144818 | 5150 | SH |  | SOLE | 0 | 5150 | 0 | 0 |
| VISA INC - CLASS A SHARES | Com | 92826C839 |  | 2751671 | 7846 | SH |  | SOLE | 0 | 7846 | 0 | 0 |
| Virtus Total Return Fund Inc | Com | 92835W107 |  | 50400 | 8000 | SH |  | SOLE | 0 | 8000 | 0 | 0 |
| VISTRA CORP | Com | 92840M102 |  | 16133 | 100 | SH |  | SOLE | 0 | 100 | 0 | 0 |
| VULCAN MATERIALS CO | Com | 929160109 |  | 29948 | 105 | SH |  | SOLE | 0 | 105 | 0 | 0 |
| WEC ENERGY GROUP INC | Com | 92939U106 |  | 2637 | 25 | SH |  | SOLE | 0 | 25 | 0 | 0 |
| WALMART  INC | Com | 931142103 |  | 458007 | 4111 | SH |  | SOLE | 0 | 4111 | 0 | 0 |
| WARNER BROS DISCOVERY INC | Com | 934423104 |  | 1873 | 65 | SH |  | SOLE | 0 | 65 | 0 | 0 |
| WASTE MANAGEMENT INC | Com | 94106L109 |  | 76239 | 347 | SH |  | SOLE | 0 | 347 | 0 | 0 |
| WELLS FARGO  CO NEW | Com | 949746101 |  | 110256 | 1183 | SH |  | SOLE | 0 | 1183 | 0 | 0 |
| WEYERHAEUSER CO | Com | 962166104 |  | 928151 | 39179 | SH |  | SOLE | 0 | 39179 | 0 | 0 |
| WEYERHAEUSER CO | Com | 962166104 |  | 2369 | 100 | SH |  | DFND | 0 | 100 | 0 | 0 |
| WILLIAMS COS INC | Com | 969457100 |  | 25907 | 431 | SH |  | SOLE | 0 | 431 | 0 | 0 |
| XCEL ENERGY INC | Com | 98389B100 |  | 43134 | 584 | SH |  | SOLE | 0 | 584 | 0 | 0 |
| YUM! BRANDS INC | Com | 988498101 |  | 2599293 | 17182 | SH |  | SOLE | 0 | 16882 | 0 | 300 |
| ZOETIS INC | Com | 98978V103 |  | 37746 | 300 | SH |  | SOLE | 0 | 300 | 0 | 0 |
| ACCENTURE PLC CL A | Com | G1151C101 |  | 6250049 | 23295 | SH |  | SOLE | 0 | 22945 | 0 | 350 |
| ACCENTURE PLC CL A | Com | G1151C101 |  | 5366 | 20 | SH |  | DFND | 0 | 20 | 0 | 0 |
| EATON CORP PLC | Com | G29183103 |  | 2829643 | 8884 | SH |  | SOLE | 0 | 8584 | 0 | 300 |
| JOHNSON CTLS INTL PLC COM | Com | G51502105 |  | 19998 | 167 | SH |  | SOLE | 0 | 167 | 0 | 0 |
| LINDE PLC | Com | G54950103 |  | 19188 | 45 | SH |  | SOLE | 0 | 45 | 0 | 0 |
| MEDTRONIC PLC | Com | G5960L103 |  | 16138 | 168 | SH |  | SOLE | 0 | 168 | 0 | 0 |
| CHUBB CORP | Com | H1467J104 |  | 1726336 | 5531 | SH |  | SOLE | 0 | 5531 | 0 | 0 |
| TRANSOCEAN LTD | Com | H8817H100 |  | 16520 | 4000 | SH |  | SOLE | 0 | 4000 | 0 | 0 |
| STRATASYS LTD | Com | M85548101 |  | 868 | 100 | SH |  | SOLE | 0 | 100 | 0 | 0 |
| ASML HOLDING NV-NY REG SHS | Com | N07059210 |  | 21397 | 20 | SH |  | SOLE | 0 | 20 | 0 | 0 |
| MAGNUM ICE CREAM COMPANY | Com | N5505D105 |  | 1316 | 83 | SH |  | SOLE | 0 | 83 | 0 | 0 |

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