The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
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COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M Co Common Stock 88579Y101 209 1,174 SH   SOLE   1,174 0 0
Abbott Laboratories Common Stock 002824100 740 5,261 SH   SOLE   5,261 0 0
Abbott Laboratories Common Stock 002824100 49 350 SH   OTR   350 0 0
AbbVie Inc Common Stock 00287Y109 1,099 8,113 SH   SOLE   8,113 0 0
AbbVie Inc Common Stock 00287Y109 47 350 SH   OTR   350 0 0
Activision Blizzard Inc Common Stock 00507V109 317 4,772 SH   SOLE   4,772 0 0
Adobe Systems Inc Common Stock 00724F101 420 740 SH   SOLE   740 0 0
Air Products & Chemicials Inc Common Stock 009158106 243 800 SH   SOLE   800 0 0
Alphabet Inc Cap Stk Class C Common Stock 02079K107 440 152 SH   SOLE   152 0 0
Alphabet Inc Capital Stock Class A Common Stock 02079K305 1,028 355 SH   SOLE   355 0 0
Alphabet Inc Capital Stock Class A Common Stock 02079K305 58 20 SH   OTR   20 0 0
Amazon Com Inc Common Stock 023135106 4,151 1,245 SH   SOLE   1,245 0 0
American Electric Power Inc Common Stock 025537101 434 4,875 SH   SOLE   4,875 0 0
Apple Computer Inc Common Stock 037833100 2,997 16,877 SH   SOLE   16,877 0 0
Apple Computer Inc Common Stock 037833100 155 872 SH   OTR   872 0 0
Armstrong World Industries Common Stock 04247X102 312 2,686 SH   SOLE   2,686 0 0
Automatic Data Processing Inc Common Stock 053015103 578 2,344 SH   SOLE   2,344 0 0
Avantis Emerging Markets Equity ETF Exchange Traded Fund 025072604 339 5,360 SH   SOLE   5,360 0 0
Avantis Intl Small Cap Value ETF Exchange Traded Fund 025072802 265 4,100 SH   SOLE   4,100 0 0
Avantis US Small Cap Value ETF Exchange Traded Fund 025072877 632 7,931 SH   SOLE   7,931 0 0
Bank of America Corp Common Stock 060505104 1,537 34,557 SH   SOLE   34,557 0 0
Bank of America Corp Common Stock 060505104 71 1,600 SH   OTR   1,600 0 0
Baxter International Inc Common Stock 071813109 252 2,941 SH   SOLE   2,941 0 0
Baxter International Inc Common Stock 071813109 86 1,000 SH   OTR   1,000 0 0
Berkshire Hathaway Inc Class B Common Stock 084670702 3,937 13,167 SH   SOLE   13,167 0 0
Berkshire Hathaway Inc Class B Common Stock 084670702 92 307 SH   OTR   307 0 0
BlackRock Core Bond Fixed Income ETF 09249E101 2,361 143,000 SH   SOLE   143,000 0 0
BlackRock Inc Common Stock 09247X101 206 225 SH   SOLE   225 0 0
Blackrock Taxable Municipal Bond Trust Fixed Income ETF 09248X100 2,461 94,000 SH   SOLE   94,000 0 0
Blackstone Inc Common Stock 09260D107 1,886 14,578 SH   SOLE   14,578 0 0
Blackstone Inc Common Stock 09260D107 104 800 SH   OTR   800 0 0
Boeing Co Common Stock 097023105 222 1,104 SH   SOLE   1,104 0 0
Boston Beer Inc Common Stock 100557107 285 565 SH   SOLE   565 0 0
Bristol Myers Squibb Co Common Stock 110122108 790 12,670 SH   SOLE   12,670 0 0
Brookfield Asset Management Inc Int'l Common Stock 112585104 131 2,169 SH   SOLE   2,169 0 0
Brookfield Asset Management Inc Int'l Common Stock 112585104 79 1,312 SH   OTR   1,312 0 0
Caterpillar Inc Common Stock 149123101 994 4,810 SH   SOLE   4,810 0 0
Caterpillar Inc Common Stock 149123101 240 1,160 SH   OTR   1,160 0 0
Chevron Corp Common Stock 166764100 560 4,776 SH   SOLE   4,776 0 0
Cisco Systems Inc Common Stock 17275R102 659 10,400 SH   SOLE   10,400 0 0
Cognizant Technology Solutions Corp Common Stock 192446102 355 4,000 SH   SOLE   4,000 0 0
CSX Corp Common Stock 126408103 1,523 40,500 SH   SOLE   40,500 0 0
Cummins Inc Common Stock 231021106 349 1,600 SH   SOLE   1,600 0 0
CVS Health Corporation Common Stock 126650100 393 3,809 SH   SOLE   3,809 0 0
CVS Health Corporation Common Stock 126650100 36 350 SH   OTR   350 0 0
Deere & Co Common Stock 244199105 210 611 SH   SOLE   611 0 0
Dimensional Emerging Core Equity Market ETF Exchange Traded Fund 25434V302 596 21,783 SH   SOLE   21,783 0 0
Dimensional International Core Equity Market ETF Exchange Traded Fund 25434V203 710 23,998 SH   SOLE   23,998 0 0
Dimensional US Core Equity Market ETF Exchange Traded Fund 25434V104 294 8,900 SH   SOLE   8,900 0 0
Dollar Tree Inc Common Stock 256746108 927 6,596 SH   SOLE   6,596 0 0
DTE Energy Co Common Stock 233331107 388 3,245 SH   SOLE   3,245 0 0
Electronic Arts Inc Common Stock 285512109 300 2,274 SH   SOLE   2,274 0 0
Eli Lilly & Co Common Stock 532457108 427 1,547 SH   SOLE   1,547 0 0
Emerson Electric Co Common Stock 291011104 145 1,559 SH   SOLE   1,559 0 0
Emerson Electric Co Common Stock 291011104 167 1,800 SH   OTR   1,800 0 0
Envirochem, Inc Common Stock 29403U105 0 41,250 SH   SOLE   41,250 0 0
Expedia Group Inc Common Stock 30212P303 793 4,387 SH   SOLE   4,387 0 0
Exxon Mobil Corp Common Stock 30231G102 608 9,943 SH   SOLE   9,943 0 0
Exxon Mobil Corp Common Stock 30231G102 82 1,345 SH   OTR   1,345 0 0
General Dynamics Corp Common Stock 369550108 460 2,205 SH   SOLE   2,205 0 0
General Electric Company Common Stock 369604301 178 1,879 SH   SOLE   1,879 0 0
General Electric Company Common Stock 369604301 37 395 SH   OTR   395 0 0
Home Depot Inc Common Stock 437076102 509 1,226 SH   SOLE   1,226 0 0
Huntington Bancshares Inc Common Stock 446150104 94 6,101 SH   SOLE   6,101 0 0
Huntington Bancshares Inc Common Stock 446150104 245 15,866 SH   OTR   15,866 0 0
Intel Corp Common Stock 458140100 816 15,852 SH   SOLE   15,852 0 0
Intel Corp Common Stock 458140100 59 1,150 SH   OTR   1,150 0 0
International Business Machines Common Stock 459200101 279 2,089 SH   SOLE   2,089 0 0
International Business Machines Common Stock 459200101 224 1,675 SH   OTR   1,675 0 0
Invesco S&P 500 Equal Weight ETF Exchange Traded Fund 46137V357 1,459 8,964 SH   SOLE   8,964 0 0
Ishares Core MSCI EAFE ETF Exchange Traded Fund 46432F842 821 10,996 SH   SOLE   10,996 0 0
IShares Core S&P 500 ETF Exchange Traded Fund 464287200 299 626 SH   SOLE   626 0 0
IShares DJ Select Dividend Exchange Traded Fund 464287168 239 1,950 SH   SOLE   1,950 0 0
IShares Msci Eafe Index Fund Exchange Traded Fund 464287465 203 2,574 SH   SOLE   2,574 0 0
IShares MSCI Emerging Markets Exchange Traded Fund 464287234 383 7,839 SH   SOLE   7,839 0 0
IShares Russell 1000 Growth Index Fund Exchange Traded Fund 464287614 2,287 7,484 SH   SOLE   7,484 0 0
IShares Russell 2000 Growth Fund Exchange Traded Fund 464287648 926 3,159 SH   SOLE   3,159 0 0
IShares Russell MidCap Growth Exchange Traded Fund 464287481 1,762 15,290 SH   SOLE   15,290 0 0
J P Morgan Chase & Co Common Stock 46625H100 1,075 6,789 SH   SOLE   6,789 0 0
J P Morgan Chase & Co Common Stock 46625H100 75 471 SH   OTR   471 0 0
Johnson & Johnson Common Stock 478160104 821 4,802 SH   SOLE   4,802 0 0
Johnson & Johnson Common Stock 478160104 192 1,120 SH   OTR   1,120 0 0
KKR & Company Inc Common Stock 48251W104 1,114 14,958 SH   SOLE   14,958 0 0
Lockheed Martin Corp Common Stock 539830109 474 1,335 SH   SOLE   1,335 0 0
Lockheed Martin Corp Common Stock 539830109 27 75 SH   OTR   75 0 0
Lowes Companies Inc Common Stock 548661107 536 2,074 SH   SOLE   2,074 0 0
Mastercard Inc Common Stock 57636Q104 992 2,760 SH   SOLE   2,760 0 0
Mastercard Inc Common Stock 57636Q104 148 412 SH   OTR   412 0 0
McDonalds Corp Common Stock 580135101 417 1,554 SH   SOLE   1,554 0 0
Merck and Co Inc Common Stock 58933Y105 544 7,093 SH   SOLE   7,093 0 0
Meta Platforms Inc Common Stock 30303M102 1,530 4,549 SH   SOLE   4,549 0 0
Meta Platforms Inc Common Stock 30303M102 101 300 SH   OTR   300 0 0
Microsoft Corp Common Stock 594918104 2,490 7,404 SH   SOLE   7,404 0 0
Microsoft Corp Common Stock 594918104 101 300 SH   OTR   300 0 0
Monster Beverage Common Stock 61174X109 351 3,655 SH   SOLE   3,655 0 0
Monster Beverage Common Stock 61174X109 53 555 SH   OTR   555 0 0
Netflix Inc Common Stock 64110L106 572 950 SH   SOLE   950 0 0
Nextera Energy Inc Common Stock 65339F101 606 6,495 SH   SOLE   6,495 0 0
Nextera Energy Inc Common Stock 65339F101 173 1,848 SH   OTR   1,848 0 0
Nike Common Stock 654106103 333 2,000 SH   SOLE   2,000 0 0
Oracle Corp Common Stock 68389X105 962 11,028 SH   SOLE   11,028 0 0
Oracle Corp Common Stock 68389X105 174 2,000 SH   OTR   2,000 0 0
O'Reilly Automotive Inc Common Stock 67103H107 398 563 SH   SOLE   563 0 0
O'Reilly Automotive Inc Common Stock 67103H107 99 140 SH   OTR   140 0 0
Paypal Holdings Inc Common Stock 70450Y103 514 2,724 SH   SOLE   2,724 0 0
Pepsico Inc Common Stock 713448108 708 4,076 SH   SOLE   4,076 0 0
Pfizer Inc Common Stock 717081103 628 10,628 SH   SOLE   10,628 0 0
Pfizer Inc Common Stock 717081103 52 885 SH   OTR   885 0 0
Phillips 66 Common Stock 718546104 280 3,861 SH   SOLE   3,861 0 0
Procter & Gamble Co Common Stock 742718109 915 5,594 SH   SOLE   5,594 0 0
Salesforce.com Inc Common Stock 79466L302 334 1,313 SH   SOLE   1,313 0 0
Select Sector Spdr Tr Health Care Exchange Traded Fund 81369Y209 225 1,600 SH   SOLE   1,600 0 0
Servicenow Inc Common Stock 81762P102 389 600 SH   SOLE   600 0 0
Sherwin Williams Co Common Stock 824348106 1,296 3,681 SH   SOLE   3,681 0 0
Simon Property Group Inc Common Stock 828806109 314 1,965 SH   SOLE   1,965 0 0
Simon Property Group Inc Common Stock 828806109 72 450 SH   OTR   450 0 0
SPDR Dow Jones Industrial Ave ETF Trust Exchange Traded Fund 78467X109 256 705 SH   OTR   705 0 0
SPDR S&P 500 ETF Trust Exchange Traded Fund 78462F103 587 1,236 SH   SOLE   1,236 0 0
SPDR S&P 500 ETF Trust Exchange Traded Fund 78462F103 427 900 SH   OTR   900 0 0
SPDR S&P MidCap 400 ETF Trust Exchange Traded Fund 78467Y107 748 1,445 SH   SOLE   1,445 0 0
Starbucks Corporation Common Stock 855244109 206 1,765 SH   SOLE   1,765 0 0
Steven Madden LTD Common Stock 556269108 376 8,100 SH   SOLE   8,100 0 0
T Rowe Price Blue Chip Growth ETF Exchange Traded Fund 87283Q107 405 12,213 SH   SOLE   12,213 0 0
Target Corp Common Stock 87612E106 507 2,189 SH   SOLE   2,189 0 0
Target Corp Common Stock 87612E106 139 600 SH   OTR   600 0 0
The Travelers Companies Inc Common Stock 89417E109 474 3,031 SH   SOLE   3,031 0 0
TJX Companies Inc Common Stock 872540109 486 6,400 SH   SOLE   6,400 0 0
Union Pacific Corp Common Stock 907818108 1,024 4,066 SH   SOLE   4,066 0 0
UnitedHealth Group Inc Common Stock 91324P102 565 1,125 SH   SOLE   1,125 0 0
US Bancorp Common Stock 902973304 238 4,232 SH   SOLE   4,232 0 0
Vanguard 500 Index Fund ETF Exchange Traded Fund 922908363 3,291 7,539 SH   SOLE   7,539 0 0
Vanguard Extended Market ETF Exchange Traded Fund 922908652 565 3,090 SH   SOLE   3,090 0 0
Vanguard FTSE Developed Markets Index Fund ETF Exchange Traded Fund 921943858 194 3,806 SH   SOLE   3,806 0 0
Vanguard FTSE Developed Markets Index Fund ETF Exchange Traded Fund 921943858 20 400 SH   OTR   400 0 0
Vanguard Global ex-U.S. Real E Exchange Traded Fund 922042676 675 12,510 SH   SOLE   12,510 0 0
Vanguard Growth Vipers Fund Exchange Traded Fund 922908736 956 2,978 SH   SOLE   2,978 0 0
Vanguard Mid-Cap Index ETF Exchange Traded Fund 922908629 296 1,163 SH   SOLE   1,163 0 0
Vanguard Real Estate ETF Exchange Traded Fund 922908553 1,263 10,890 SH   SOLE   10,890 0 0
Vanguard Small-Cap Value ETF Exchange Traded Fund 922908611 591 3,304 SH   SOLE   3,304 0 0
Vanguard Value ETF Exchange Traded Fund 922908744 1,102 7,489 SH   SOLE   7,489 0 0
Vanguard Whitehall Funds High Dividend Yield Etf Exchange Traded Fund 921946406 757 6,752 SH   SOLE   6,752 0 0
Verizon Communications Inc Common Stock 92343V104 352 6,776 SH   SOLE   6,776 0 0
Visa Inc Common Stock 92826C839 2,780 12,828 SH   SOLE   12,828 0 0
WalMart Inc Common Stock 931142103 341 2,356 SH   SOLE   2,356 0 0
WalMart Inc Common Stock 931142103 94 650 SH   OTR   650 0 0
Walt Disney Productions Common Stock 254687106 555 3,580 SH   SOLE   3,580 0 0
Walt Disney Productions Common Stock 254687106 42 270 SH   OTR   270 0 0
Waste Management Inc Common Stock 94106L109 451 2,704 SH   SOLE   2,704 0 0
Wells Fargo & Co Common Stock 949746101 1,131 23,565 SH   SOLE   23,565 0 0
Wells Fargo & Co Common Stock 949746101 79 1,650 SH   OTR   1,650 0 0
Xcel Energy Inc Common Stock 98389B100 424 6,268 SH   SOLE   6,268 0 0