<SEC-DOCUMENT>0001104659-25-010353.txt : 20250207
<SEC-HEADER>0001104659-25-010353.hdr.sgml : 20250207
<ACCEPTANCE-DATETIME>20250207094813
ACCESSION NUMBER:		0001104659-25-010353
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20241231
FILED AS OF DATE:		20250207
DATE AS OF CHANGE:		20250207
EFFECTIVENESS DATE:		20250207

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Atlantic Union Bankshares Corp
		CENTRAL INDEX KEY:			0000883948
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		ORGANIZATION NAME:           	02 Finance
		IRS NUMBER:				540412820
		STATE OF INCORPORATION:			VA
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		13F-HR
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	028-16124
		FILM NUMBER:		25599688

	BUSINESS ADDRESS:	
		STREET 1:		4300 COX ROAD
		CITY:			GLEN ALLEN
		STATE:			VA
		ZIP:			23060
		BUSINESS PHONE:		800-990-4828

	MAIL ADDRESS:	
		STREET 1:		4300 COX ROAD
		CITY:			GLEN ALLEN
		STATE:			VA
		ZIP:			23060

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	Union Bankshares Corp
		DATE OF NAME CHANGE:	20140430

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	UNION FIRST MARKET BANKSHARES CORP
		DATE OF NAME CHANGE:	20140424

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	Union Bankshares Corp
		DATE OF NAME CHANGE:	20140424
</SEC-HEADER>
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<TYPE>13F-HR
<SEQUENCE>1
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          <cik>0000883948</cik>
          <ccc>XXXXXXXX</ccc>
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      <periodOfReport>12-31-2024</periodOfReport>
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      <reportCalendarOrQuarter>12-31-2024</reportCalendarOrQuarter>
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        <name>Atlantic Union Bankshares Corp</name>
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          <ns1:city>Glen Allen</ns1:city>
          <ns1:stateOrCountry>VA</ns1:stateOrCountry>
          <ns1:zipCode>23060</ns1:zipCode>
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    <signatureBlock>
      <name>Robert M. Gorman</name>
      <title>Executive Vice President and Chief Financial Officer</title>
      <phone>804-633-5031</phone>
      <signature>/s/ Robert M. Gorman</signature>
      <city>Richmond</city>
      <stateOrCountry>VA</stateOrCountry>
      <signatureDate>02-06-2025</signatureDate>
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    <nameOfIssuer>LINDE PLC SHS</nameOfIssuer>
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    <nameOfIssuer>ARCOSA INC COM</nameOfIssuer>
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    <nameOfIssuer>ATLANTIC UN BANKSHARES CORP COM</nameOfIssuer>
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    <nameOfIssuer>FINANCIAL SELECT SECTOR SPDR FUND</nameOfIssuer>
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    <nameOfIssuer>UDR INC COM</nameOfIssuer>
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    <nameOfIssuer>BLACKROCK TAX MUNICPAL BD TR SHS</nameOfIssuer>
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    <nameOfIssuer>BLACKROCK CORE BD TR SHS BEN INT</nameOfIssuer>
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    <nameOfIssuer>WELLTOWER INC COM</nameOfIssuer>
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      <None>0</None>
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    <nameOfIssuer>DOW INC COM</nameOfIssuer>
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    <nameOfIssuer>DOW INC COM</nameOfIssuer>
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    <nameOfIssuer>VANGUARD S&amp;P 500 ETF</nameOfIssuer>
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    <nameOfIssuer>VANGUARD S&amp;P 500 ETF</nameOfIssuer>
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    <nameOfIssuer>AGREE RLTY CORP COM</nameOfIssuer>
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    <nameOfIssuer>CONSOLIDATED EDISON INC COM</nameOfIssuer>
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    <nameOfIssuer>CONSOLIDATED EDISON INC COM</nameOfIssuer>
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    <nameOfIssuer>ISHARES RUSSELL TOP 200 GROWTH ETF</nameOfIssuer>
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    <nameOfIssuer>INVESCO S&amp;P 500 EQUAL WEIGHT ETF</nameOfIssuer>
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    <nameOfIssuer>ABRDN LIFE SCIENCES INVESTORS SH BEN INT</nameOfIssuer>
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    <titleOfClass>ETF</titleOfClass>
    <cusip>46138J577</cusip>
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  <infoTable>
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  <infoTable>
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    <cusip>46138J528</cusip>
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    <nameOfIssuer>APPLE INC</nameOfIssuer>
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    <nameOfIssuer>APPLIED MATERIALS INC</nameOfIssuer>
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    <nameOfIssuer>ARISTA NETWORKS INC NEW</nameOfIssuer>
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    <nameOfIssuer>ASTRAZENECA PLC NPV ADR</nameOfIssuer>
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    <nameOfIssuer>ATLANTIC UNION BANKSHARES   CORP</nameOfIssuer>
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    <nameOfIssuer>AUTODESK INC</nameOfIssuer>
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    <nameOfIssuer>BANK OF AMERICA CORP</nameOfIssuer>
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    <nameOfIssuer>BERKSHIRE HATHAWAY INC      DEL CL B NEW</nameOfIssuer>
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    <nameOfIssuer>BERKSHIRE HATHAWAY INC      DEL CL B NEW</nameOfIssuer>
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    <nameOfIssuer>BLACKROCK INC NEW NPV</nameOfIssuer>
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    <nameOfIssuer>BOOKING HOLDINGS INC</nameOfIssuer>
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    <nameOfIssuer>BROADCOM INC</nameOfIssuer>
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    <nameOfIssuer>BROOKFIELD ASSET MGMT LTD   CLASS A VOTING SHA</nameOfIssuer>
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    <nameOfIssuer>CBRE GROUP INC CL A</nameOfIssuer>
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    <nameOfIssuer>CME GROUP INC</nameOfIssuer>
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    <nameOfIssuer>CADENCE DESIGN SYSTEMS INC</nameOfIssuer>
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    <nameOfIssuer>DEERE &amp; CO.</nameOfIssuer>
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    <nameOfIssuer>DIAGEO PLC SPON ADR NEW</nameOfIssuer>
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    <nameOfIssuer>DISCOVER FINANCIAL SERVICES</nameOfIssuer>
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    <nameOfIssuer>DOLLAR GEN CORP             NEW COM</nameOfIssuer>
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    <nameOfIssuer>DOMINION RES INC VA NEW</nameOfIssuer>
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    <nameOfIssuer>DOW HOLDINGS INC</nameOfIssuer>
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    <nameOfIssuer>DUKE ENERGY CORP NEW</nameOfIssuer>
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    <nameOfIssuer>EOG RESOURCES INC</nameOfIssuer>
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    <nameOfIssuer>EBAY INC</nameOfIssuer>
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    <nameOfIssuer>EMERSON ELECTRIC CO</nameOfIssuer>
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    <nameOfIssuer>ENBRIDGE INC NPV</nameOfIssuer>
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    <nameOfIssuer>EXXON MOBIL CORP COM</nameOfIssuer>
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    <nameOfIssuer>META PLATFORMS (FORMERLY    FACEBOOK INC)</nameOfIssuer>
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    <nameOfIssuer>META PLATFORMS (FORMERLY    FACEBOOK INC)</nameOfIssuer>
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    <nameOfIssuer>FIDELITY MSCI INFO TECH</nameOfIssuer>
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    <nameOfIssuer>FORTINET INC</nameOfIssuer>
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    <nameOfIssuer>GARTNER INC.</nameOfIssuer>
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    <nameOfIssuer>GENERAL MILLS INC</nameOfIssuer>
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    <nameOfIssuer>GILEAD SCIENCES INC</nameOfIssuer>
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    <nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
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    <nameOfIssuer>HONEYWELL INTL INC COM</nameOfIssuer>
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    <nameOfIssuer>HOOKER FURNITURE CORP</nameOfIssuer>
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    <nameOfIssuer>HUNTINGTON BANKSHARES INC</nameOfIssuer>
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    <nameOfIssuer>IPERIONX LIMITED</nameOfIssuer>
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    <nameOfIssuer>ILLINOIS TOOL WORKS INC</nameOfIssuer>
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    <nameOfIssuer>INVESCO QQQ UNIT SER 1</nameOfIssuer>
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    <votingAuthority>
      <Sole>208024</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>I SHARES TR S &amp; P 500 INDEX FUND</nameOfIssuer>
    <titleOfClass>ETF - EQUITY</titleOfClass>
    <cusip>464287200</cusip>
    <value>717587</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1219</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1219</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>I SHARES TR S &amp; P 500 INDEX FUND</nameOfIssuer>
    <titleOfClass>ETF - EQUITY</titleOfClass>
    <cusip>464287200</cusip>
    <value>1156147</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1964</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1964</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES 7-10 YEAR TRES ETF</nameOfIssuer>
    <titleOfClass>ETF - FIXED</titleOfClass>
    <cusip>464287440</cusip>
    <value>187759</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2031</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2031</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES 7-10 YEAR TRES ETF</nameOfIssuer>
    <titleOfClass>ETF - FIXED</titleOfClass>
    <cusip>464287440</cusip>
    <value>23112</value>
    <shrsOrPrnAmt>
      <sshPrnamt>250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES 1-3 YR TREASURY BOND</nameOfIssuer>
    <titleOfClass>ETF - FIXED</titleOfClass>
    <cusip>464287457</cusip>
    <value>224264</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2736</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2736</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES MSCI EAFE ETF</nameOfIssuer>
    <titleOfClass>FOREIGN EQUITIES</titleOfClass>
    <cusip>464287465</cusip>
    <value>4621808</value>
    <shrsOrPrnAmt>
      <sshPrnamt>61127</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>61127</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>I SHARES TR RUSSEL MIDCAP   INDEX FD</nameOfIssuer>
    <titleOfClass>ETF - EQUITY</titleOfClass>
    <cusip>464287499</cusip>
    <value>1785319</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20196</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>20182</Sole>
      <Shared>0</Shared>
      <None>14</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES S&amp;P MIDCAP 400</nameOfIssuer>
    <titleOfClass>ETF - EQUITY</titleOfClass>
    <cusip>464287507</cusip>
    <value>210606</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3380</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3380</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES CORE S&amp;P SMALLCAP</nameOfIssuer>
    <titleOfClass>ETF - EQUITY</titleOfClass>
    <cusip>464287804</cusip>
    <value>490950</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4261</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4261</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES NATIONAL MUNI BD</nameOfIssuer>
    <titleOfClass>ETF - FIXED</titleOfClass>
    <cusip>464288414</cusip>
    <value>493858</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4635</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4635</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INTERMED GOVT/CREDITBOND</nameOfIssuer>
    <titleOfClass>ETF - FIXED</titleOfClass>
    <cusip>464288612</cusip>
    <value>562215</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5394</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5394</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL TOP 200     GROWTH ETF</nameOfIssuer>
    <titleOfClass>ETF - EQUITY</titleOfClass>
    <cusip>464289438</cusip>
    <value>1525705</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6485</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>6481</Sole>
      <Shared>0</Shared>
      <None>4</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL TOP 200     GROWTH ETF</nameOfIssuer>
    <titleOfClass>ETF - EQUITY</titleOfClass>
    <cusip>464289438</cusip>
    <value>27526</value>
    <shrsOrPrnAmt>
      <sshPrnamt>117</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>117</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR CORE MSCI EAFE</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46432F842</cusip>
    <value>357511</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5087</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5087</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ETF ISHARES TTL CORE US BND</nameOfIssuer>
    <titleOfClass>ETF - FIXED</titleOfClass>
    <cusip>46434V613</cusip>
    <value>270290</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5980</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5980</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES IBONDS DEC 2033</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46436E152</cusip>
    <value>3916017</value>
    <shrsOrPrnAmt>
      <sshPrnamt>165796</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>165796</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES IBONDS DEC 2044     TREAS ETF</nameOfIssuer>
    <titleOfClass>ETF - FIXED</titleOfClass>
    <cusip>46438G638</cusip>
    <value>1753535</value>
    <shrsOrPrnAmt>
      <sshPrnamt>72016</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>72016</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES IBONDS DEC 2034     TREAS ETF</nameOfIssuer>
    <titleOfClass>ETF - FIXED</titleOfClass>
    <cusip>46438G646</cusip>
    <value>2872685</value>
    <shrsOrPrnAmt>
      <sshPrnamt>115790</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>115790</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>J P MORGAN CHASE &amp; CO</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>46625H100</cusip>
    <value>10896128</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45456</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>45456</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>J P MORGAN CHASE &amp; CO</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>46625H100</cusip>
    <value>33559</value>
    <shrsOrPrnAmt>
      <sshPrnamt>140</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>140</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JPMORGAN EQUITY PREMIUM     INCOME ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46641Q332</cusip>
    <value>383709</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6671</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>6664</Sole>
      <Shared>0</Shared>
      <None>7</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JP MORGAN ULTRA SHORT INC   ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46641Q837</cusip>
    <value>477462</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9481</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>9481</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON &amp; JOHNSON           COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>478160104</cusip>
    <value>1729327</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11958</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>11958</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON &amp; JOHNSON           COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>478160104</cusip>
    <value>21693</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LABCORP HOLDINGS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>504922105</cusip>
    <value>297656</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1298</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1298</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LENNAR CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>526057104</cusip>
    <value>1249254</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9161</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>9161</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELI LILLY &amp; CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>532457108</cusip>
    <value>1580284</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2047</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2047</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LOCKHEED MARTIN CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>539830109</cusip>
    <value>1395089</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2871</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2871</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LOWES COMPANY INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>548661107</cusip>
    <value>6537887</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26491</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>26491</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LOWES COMPANY INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>548661107</cusip>
    <value>21471</value>
    <shrsOrPrnAmt>
      <sshPrnamt>87</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>87</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARATHON PETE CORP</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>56585A102</cusip>
    <value>1115703</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7998</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>7998</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARKEL GROUP INC            FORMERLY MARKEL CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>RP5705351</cusip>
    <value>1669207</value>
    <shrsOrPrnAmt>
      <sshPrnamt>967</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>967</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MASTERCARD INC</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>57636Q104</cusip>
    <value>8938928</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16976</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>16976</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MASTERCARD INC</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>57636Q104</cusip>
    <value>24222</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>46</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MCDONALDS CORP              COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>580135101</cusip>
    <value>825837</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2849</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2849</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MCDONALDS CORP              COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>580135101</cusip>
    <value>13044</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>45</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MERCK &amp; CO NEW</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>58933Y105</cusip>
    <value>5387611</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54159</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
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    <nameOfIssuer>METTLER-TOLEDO INTL</nameOfIssuer>
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    <nameOfIssuer>MONDELEZ INTERNATIONAL INC.</nameOfIssuer>
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    <nameOfIssuer>MORGAN STANLEY DEAN WITTER  DISCOVER &amp; CO</nameOfIssuer>
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    <nameOfIssuer>NORFOLK SOUTHERN CORP</nameOfIssuer>
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    <nameOfIssuer>NORTHROP GRUMMAN CORP</nameOfIssuer>
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    <nameOfIssuer>OLD DOMINION FREIGHT LINES</nameOfIssuer>
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    <nameOfIssuer>OTIS WORLDWIDE CORP</nameOfIssuer>
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    <nameOfIssuer>PAYCHEX INC COM</nameOfIssuer>
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    <nameOfIssuer>PHILLIP MORRIS INTL INC</nameOfIssuer>
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    <nameOfIssuer>PROLOGIS INC</nameOfIssuer>
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    <nameOfIssuer>REGENERON PHARMACEUTICALS</nameOfIssuer>
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    <nameOfIssuer>ROPER INDS INC NEW</nameOfIssuer>
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    <nameOfIssuer>S&amp;P GLOBAL INC</nameOfIssuer>
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    <nameOfIssuer>SPDR S&amp;P 500 ETF TR         TR UNIT</nameOfIssuer>
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    <cusip>78462F103</cusip>
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    <nameOfIssuer>SALESFORCE INC (FORMERLY    SALESFORCE.COM INC</nameOfIssuer>
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    <cusip>79466L302</cusip>
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</SEC-DOCUMENT>
