<SEC-DOCUMENT>0000712537-22-000048.txt : 20221109
<SEC-HEADER>0000712537-22-000048.hdr.sgml : 20221109
<ACCEPTANCE-DATETIME>20221109164936
ACCESSION NUMBER:		0000712537-22-000048
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20220930
FILED AS OF DATE:		20221109
DATE AS OF CHANGE:		20221109
EFFECTIVENESS DATE:		20221109

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			FIRST COMMONWEALTH FINANCIAL CORP /PA/
		CENTRAL INDEX KEY:			0000712537
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				251428528
		STATE OF INCORPORATION:			PA
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		13F-HR
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	028-05151
		FILM NUMBER:		221373397

	BUSINESS ADDRESS:	
		STREET 1:		601 PHILADELPHIA STREET
		CITY:			INDIANA
		STATE:			PA
		ZIP:			15701
		BUSINESS PHONE:		7243497220

	MAIL ADDRESS:	
		STREET 1:		601 PHILADELPHIA STREET
		CITY:			INDIANA
		STATE:			PA
		ZIP:			15701
</SEC-HEADER>
<DOCUMENT>
<TYPE>13F-HR
<SEQUENCE>1
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          <cik>0000712537</cik>
          <ccc>XXXXXXXX</ccc>
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      <periodOfReport>09-30-2022</periodOfReport>
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      <reportCalendarOrQuarter>09-30-2022</reportCalendarOrQuarter>
      <filingManager>
        <name>FIRST COMMONWEALTH FINANCIAL CORP /PA/</name>
        <address>
          <com:street1>601 PHILADELPHIA STREET</com:street1>
          <com:city>INDIANA</com:city>
          <com:stateOrCountry>PA</com:stateOrCountry>
          <com:zipCode>15701</com:zipCode>
        </address>
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      <reportType>13F HOLDINGS REPORT</reportType>
      <form13FFileNumber>028-05151</form13FFileNumber>
      <provideInfoForInstruction5>N</provideInfoForInstruction5>
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    <signatureBlock>
      <name>Teresa Ciambotti</name>
      <title>SVP, Controller</title>
      <phone>7244634725</phone>
      <signature>/s/ Teresa Ciambotti</signature>
      <city>Indiana</city>
      <stateOrCountry>PA</stateOrCountry>
      <signatureDate>11-09-2022</signatureDate>
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      <isConfidentialOmitted>false</isConfidentialOmitted>
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          <otherManager>
            <form13FFileNumber>28-11893</form13FFileNumber>
            <name>First Commonwealth Bank</name>
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    <cusip>126650100</cusip>
    <value>656</value>
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    <value>19</value>
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    <nameOfIssuer>CANADIAN PAC RY LTD</nameOfIssuer>
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    <value>311</value>
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    <nameOfIssuer>CELANESE CORP DEL</nameOfIssuer>
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    <cusip>150870103</cusip>
    <value>332</value>
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    <value>47</value>
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    <value>22</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>550</Sole>
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      <None>0</None>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>4864</Sole>
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    <nameOfIssuer>COHERENT CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <nameOfIssuer>COMCAST CORP NEW</nameOfIssuer>
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    <value>937</value>
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    <titleOfClass>COM</titleOfClass>
    <cusip>20825C104</cusip>
    <value>93</value>
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    <nameOfIssuer>CONOCOPHILLIPS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>155</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
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    <titleOfClass>COM</titleOfClass>
    <cusip>231021106</cusip>
    <value>334</value>
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    <nameOfIssuer>CUMMINS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>51</value>
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    <nameOfIssuer>CURTISS WRIGHT CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>231561101</cusip>
    <value>216</value>
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    <titleOfClass>COM</titleOfClass>
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    <value>288</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <cusip>235851102</cusip>
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    <nameOfIssuer>DISNEY WALT CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>254687106</cusip>
    <value>1108</value>
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    <nameOfIssuer>DISNEY WALT CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>45</value>
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    <nameOfIssuer>DOVER CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <titleOfClass>COM NEW</titleOfClass>
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    <value>219</value>
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    <nameOfIssuer>EDISON INTL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>281020107</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
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    <nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
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    <value>709</value>
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    <value>84</value>
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  <infoTable>
    <nameOfIssuer>FIRST COMWLTH FINL CORP PA</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>319829107</cusip>
    <value>10459</value>
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  <infoTable>
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    <titleOfClass>COM</titleOfClass>
    <cusip>38141G104</cusip>
    <value>524</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>GOLDMAN SACHS GROUP INC</nameOfIssuer>
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    <value>29</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>437076102</cusip>
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      <Sole>3430</Sole>
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  <infoTable>
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      <None>0</None>
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  <infoTable>
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    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
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    <nameOfIssuer>HUMANA INC</nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>INNOVATOR ETFS TR</nameOfIssuer>
    <titleOfClass>US SML CP PWR B</titleOfClass>
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    <nameOfIssuer>INNOVATOR ETFS TR</nameOfIssuer>
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    <cusip>45782C318</cusip>
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    <nameOfIssuer>INNOVATOR ETFS TR</nameOfIssuer>
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    <cusip>45782C326</cusip>
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      <sshPrnamt>18471</sshPrnamt>
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    <titleOfClass>US EQTY PWR BUF</titleOfClass>
    <cusip>45782C383</cusip>
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      <sshPrnamt>28937</sshPrnamt>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INNOVATOR ETFS TR</nameOfIssuer>
    <titleOfClass>US EQTY PWR BUF</titleOfClass>
    <cusip>45782C383</cusip>
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    <shrsOrPrnAmt>
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    <nameOfIssuer>INNOVATOR ETFS TR</nameOfIssuer>
    <titleOfClass>US EQTY BUFR MAR</titleOfClass>
    <cusip>45782C391</cusip>
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      <sshPrnamt>25203</sshPrnamt>
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    <nameOfIssuer>INNOVATOR ETFS TR</nameOfIssuer>
    <titleOfClass>US EQTY BUFR MAR</titleOfClass>
    <cusip>45782C391</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>7069</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <None>0</None>
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    <nameOfIssuer>INNOVATOR ETFS TR</nameOfIssuer>
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    <cusip>45782C409</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>11300</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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    <nameOfIssuer>INNOVATOR ETFS TR</nameOfIssuer>
    <titleOfClass>US EQTY PWR BUF</titleOfClass>
    <cusip>45782C417</cusip>
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      <sshPrnamt>48178</sshPrnamt>
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    <votingAuthority>
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    <nameOfIssuer>INNOVATOR ETFS TR</nameOfIssuer>
    <titleOfClass>US EQTY BUFR FEB</titleOfClass>
    <cusip>45782C433</cusip>
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      <sshPrnamt>43396</sshPrnamt>
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      <Sole>43396</Sole>
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      <None>0</None>
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    <nameOfIssuer>INNOVATOR ETFS TR</nameOfIssuer>
    <titleOfClass>US EQTY PWR BUF</titleOfClass>
    <cusip>45782C508</cusip>
    <value>206</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7007</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>7007</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INNOVATOR ETFS TR</nameOfIssuer>
    <titleOfClass>US EQTY PWR BUF</titleOfClass>
    <cusip>45782C573</cusip>
    <value>287</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10221</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>10221</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INNOVATOR ETFS TR</nameOfIssuer>
    <titleOfClass>US EQTY PWR BUF</titleOfClass>
    <cusip>45782C656</cusip>
    <value>228</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8208</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>8208</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INNOVATOR ETFS TR</nameOfIssuer>
    <titleOfClass>US EQT ULTRA BF</titleOfClass>
    <cusip>45782C672</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>19752</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <nameOfIssuer>INNOVATOR ETFS TR</nameOfIssuer>
    <titleOfClass>US EQTY PWR BF</titleOfClass>
    <cusip>45782C680</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>12899</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>INNOVATOR ETFS TR</nameOfIssuer>
    <titleOfClass>US EQUT BUFR AUG</titleOfClass>
    <cusip>45782C698</cusip>
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    <shrsOrPrnAmt>
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      <None>0</None>
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  <infoTable>
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  <infoTable>
    <nameOfIssuer>INNOVATOR ETFS TR</nameOfIssuer>
    <titleOfClass>US EQTY PWR BUF</titleOfClass>
    <cusip>45782C748</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>42346</sshPrnamt>
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    <titleOfClass>US EQTY BUFR JUN</titleOfClass>
    <cusip>45782C755</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>41306</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>INNOVATOR ETFS TR</nameOfIssuer>
    <titleOfClass>US EQTY BUF OCT</titleOfClass>
    <cusip>45782C771</cusip>
    <value>375</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12547</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>12547</Sole>
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  <infoTable>
    <nameOfIssuer>INNOVATOR ETFS TR</nameOfIssuer>
    <titleOfClass>US EQTY BUFR JUL</titleOfClass>
    <cusip>45782C789</cusip>
    <value>2205</value>
    <shrsOrPrnAmt>
      <sshPrnamt>75628</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>75628</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INNOVATOR ETFS TR</nameOfIssuer>
    <titleOfClass>US EQTY PWR BUF</titleOfClass>
    <cusip>45782C797</cusip>
    <value>586</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20482</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>20482</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INNOVATOR ETFS TR</nameOfIssuer>
    <titleOfClass>US EQTY PWR BUF</titleOfClass>
    <cusip>45782C813</cusip>
    <value>478</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16720</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>16720</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INNOVATOR ETFS TR</nameOfIssuer>
    <titleOfClass>US EQT PWR BUF</titleOfClass>
    <cusip>45782C870</cusip>
    <value>1104</value>
    <shrsOrPrnAmt>
      <sshPrnamt>41557</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>41557</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INNOVATOR ETFS TR</nameOfIssuer>
    <titleOfClass>US EQT BUFR APR</titleOfClass>
    <cusip>45782C888</cusip>
    <value>484</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16658</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>16658</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INTERCONTINENTAL EXCHANGE IN</nameOfIssuer>
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    <cusip>45866F104</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>5508</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>5508</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INVESCO QQQ TR</nameOfIssuer>
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      <sshPrnamt>3875</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>3875</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INTUIT</nameOfIssuer>
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    <value>525</value>
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      <sshPrnamt>1356</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <Sole>1356</Sole>
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  <infoTable>
    <nameOfIssuer>INVESCO DB COMMDY INDX TRCK</nameOfIssuer>
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      <Sole>14559</Sole>
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      <None>0</None>
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  <infoTable>
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      <Sole>68819</Sole>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>2878</sshPrnamt>
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      <Sole>2878</Sole>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>SELECT DIVID ETF</titleOfClass>
    <cusip>464287168</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>32325</sshPrnamt>
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      <Sole>32325</Sole>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>SELECT DIVID ETF</titleOfClass>
    <cusip>464287168</cusip>
    <value>83</value>
    <shrsOrPrnAmt>
      <sshPrnamt>775</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>775</Sole>
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    <cusip>464287200</cusip>
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  <infoTable>
    <nameOfIssuer>RAYTHEON TECHNOLOGIES CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>75513E101</cusip>
    <value>6</value>
    <shrsOrPrnAmt>
      <sshPrnamt>75</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>75</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REALTY INCOME CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>756109104</cusip>
    <value>529</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9091</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>9091</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REPUBLIC SVCS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>760759100</cusip>
    <value>505</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3709</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3709</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROCKWELL AUTOMATION INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>773903109</cusip>
    <value>786</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3653</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3653</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>S &amp; T BANCORP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>783859101</cusip>
    <value>6780</value>
    <shrsOrPrnAmt>
      <sshPrnamt>231335</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>31282</Sole>
      <Shared>0</Shared>
      <None>200053</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer>
    <titleOfClass>TR UNIT</titleOfClass>
    <cusip>78462F103</cusip>
    <value>1367</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3827</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3827</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR GOLD TR</nameOfIssuer>
    <titleOfClass>GOLD SHS</titleOfClass>
    <cusip>78463V107</cusip>
    <value>1695</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10956</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>10956</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
    <titleOfClass>MSCI ACWI EXUS</titleOfClass>
    <cusip>78463X848</cusip>
    <value>683</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32184</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>32184</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
    <titleOfClass>MSCI ACWI EXUS</titleOfClass>
    <cusip>78463X848</cusip>
    <value>22</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1050</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>S&amp;P DIVID ETF</titleOfClass>
    <cusip>78464A763</cusip>
    <value>669</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5997</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5997</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer>
    <titleOfClass>COM STK</titleOfClass>
    <cusip>806857108</cusip>
    <value>468</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13033</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>13033</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI HEALTHCARE</titleOfClass>
    <cusip>81369Y209</cusip>
    <value>308</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2547</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2547</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI CONS DISCR</titleOfClass>
    <cusip>81369Y407</cusip>
    <value>246</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1724</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1724</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>TECHNOLOGY</titleOfClass>
    <cusip>81369Y803</cusip>
    <value>340</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2866</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2866</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SKYWORKS SOLUTIONS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>83088M102</cusip>
    <value>505</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5928</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5928</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>855244109</cusip>
    <value>312</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3702</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3702</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STATE STR CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>857477103</cusip>
    <value>502</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8247</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>8247</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STATE STR CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>857477103</cusip>
    <value>21</value>
    <shrsOrPrnAmt>
      <sshPrnamt>350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STRYKER CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>863667101</cusip>
    <value>578</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2852</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2852</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TJX COS INC NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>872540109</cusip>
    <value>708</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11399</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>11399</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TJX COS INC NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>872540109</cusip>
    <value>25</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TARGET CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>87612E106</cusip>
    <value>1153</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7767</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>7767</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TARGET CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>87612E106</cusip>
    <value>74</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TESLA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>88160R101</cusip>
    <value>776</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2926</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2926</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>THERMO FISHER SCIENTIFIC INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>883556102</cusip>
    <value>1739</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3428</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3428</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>THERMO FISHER SCIENTIFIC INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>883556102</cusip>
    <value>114</value>
    <shrsOrPrnAmt>
      <sshPrnamt>225</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>225</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRUIST FINL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>89832Q109</cusip>
    <value>449</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10316</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>10316</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED PARCEL SERVICE INC</nameOfIssuer>
    <titleOfClass>CL B</titleOfClass>
    <cusip>911312106</cusip>
    <value>526</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3254</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3254</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED PARCEL SERVICE INC</nameOfIssuer>
    <titleOfClass>CL B</titleOfClass>
    <cusip>911312106</cusip>
    <value>16</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>91324P102</cusip>
    <value>1177</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2330</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2330</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>91324P102</cusip>
    <value>25</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>50</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
    <titleOfClass>HEALTH CAR ETF</titleOfClass>
    <cusip>92204A504</cusip>
    <value>411</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1837</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1837</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
    <titleOfClass>UTILITIES ETF</titleOfClass>
    <cusip>92204A876</cusip>
    <value>489</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3434</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3434</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>VNG RUS2000IDX</titleOfClass>
    <cusip>92206C664</cusip>
    <value>327</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4905</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4905</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>REAL ESTATE ETF</titleOfClass>
    <cusip>922908553</cusip>
    <value>902</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11248</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>11248</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>REAL ESTATE ETF</titleOfClass>
    <cusip>922908553</cusip>
    <value>16</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>LARGE CAP ETF</titleOfClass>
    <cusip>922908637</cusip>
    <value>450</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2749</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2749</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>GROWTH ETF</titleOfClass>
    <cusip>922908736</cusip>
    <value>671</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3138</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3138</Sole>
      <Shared>0</Shared>
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</SEC-DOCUMENT>
