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
Estimated average burden
hours per response: 23.8
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
Abbott Laboratories Common Stock 002824100 632 5,342 SH   SOLE   5,342 0 0
Abbott Laboratories Common Stock 002824100 41 350 SH   OTR   350 0 0
AbbVie Inc Common Stock 00287Y109 1,299 8,015 SH   SOLE   8,015 0 0
AbbVie Inc Common Stock 00287Y109 57 350 SH   OTR   350 0 0
Activision Blizzard Inc Common Stock 00507V109 382 4,772 SH   SOLE   4,772 0 0
Adobe Systems Inc Common Stock 00724F101 343 753 SH   SOLE   753 0 0
Air Products & Chemicials Inc Common Stock 009158106 226 904 SH   SOLE   904 0 0
Alphabet Inc Cap Stk Class C Common Stock 02079K107 452 162 SH   SOLE   162 0 0
Alphabet Inc Capital Stock Class A Common Stock 02079K305 1,015 365 SH   SOLE   365 0 0
Alphabet Inc Capital Stock Class A Common Stock 02079K305 56 20 SH   OTR   20 0 0
Amazon Com Inc Common Stock 023135106 342 105 SH   SOLE   105 0 0
American Electric Power Inc Common Stock 025537101 486 4,875 SH   SOLE   4,875 0 0
Apollo Global Management Inc Common Stock 03769M106 1,610 25,972 SH   SOLE   25,972 0 0
Apollo Global Management Inc Common Stock 03769M106 95 1,527 SH   OTR   1,527 0 0
Apple Computer Inc Common Stock 037833100 2,947 16,877 SH   SOLE   16,877 0 0
Apple Computer Inc Common Stock 037833100 152 872 SH   OTR   872 0 0
Armstrong World Industries Common Stock 04247X102 242 2,686 SH   SOLE   2,686 0 0
Automatic Data Processing Inc Common Stock 053015103 533 2,344 SH   SOLE   2,344 0 0
Avantis Emerging Markets Equity ETF Exchange Traded Fund 025072604 354 5,972 SH   SOLE   5,972 0 0
Avantis International Equity ETF Exchange Traded Fund 025072703 226 3,748 SH   SOLE   3,748 0 0
Avantis Intl Small Cap Value ETF Exchange Traded Fund 025072802 257 4,100 SH   SOLE   4,100 0 0
Avantis US Small Cap Value ETF Exchange Traded Fund 025072877 656 8,211 SH   SOLE   8,211 0 0
Bank of America Corp Common Stock 060505104 1,424 34,557 SH   SOLE   34,557 0 0
Bank of America Corp Common Stock 060505104 66 1,600 SH   OTR   1,600 0 0
Baxter International Inc Common Stock 071813109 228 2,941 SH   SOLE   2,941 0 0
Baxter International Inc Common Stock 071813109 78 1,000 SH   OTR   1,000 0 0
Berkshire Hathaway Inc Class B Common Stock 084670702 4,705 13,332 SH   SOLE   13,332 0 0
Berkshire Hathaway Inc Class B Common Stock 084670702 108 307 SH   OTR   307 0 0
BlackRock Core Bond Fixed Income ETF 09249E101 1,859 143,000 SH   SOLE   143,000 0 0
Blackrock Taxable Municipal Bond Trust Fixed Income ETF 09248X100 2,070 94,000 SH   SOLE   94,000 0 0
Blackstone Inc Common Stock 09260D107 1,851 14,578 SH   SOLE   14,578 0 0
Blackstone Inc Common Stock 09260D107 102 800 SH   OTR   800 0 0
Boston Beer Inc Common Stock 100557107 230 592 SH   SOLE   592 0 0
Bristol Myers Squibb Co Common Stock 110122108 925 12,670 SH   SOLE   12,670 0 0
Caterpillar Inc Common Stock 149123101 1,072 4,810 SH   SOLE   4,810 0 0
Caterpillar Inc Common Stock 149123101 258 1,160 SH   OTR   1,160 0 0
Chevron Corp Common Stock 166764100 781 4,797 SH   SOLE   4,797 0 0
Cisco Systems Inc Common Stock 17275R102 580 10,400 SH   SOLE   10,400 0 0
Conocophillips Common Stock 20825C104 226 2,260 SH   SOLE   2,260 0 0
Conocophillips Common Stock 20825C104 21 210 SH   OTR   210 0 0
CSX Corp Common Stock 126408103 1,517 40,500 SH   SOLE   40,500 0 0
Cummins Inc Common Stock 231021106 328 1,600 SH   SOLE   1,600 0 0
CVS Health Corporation Common Stock 126650100 386 3,809 SH   SOLE   3,809 0 0
CVS Health Corporation Common Stock 126650100 35 350 SH   OTR   350 0 0
Deere & Co Common Stock 244199105 254 611 SH   SOLE   611 0 0
Dimensional Emerging Core Equity Market ETF Exchange Traded Fund 25434V302 572 21,783 SH   SOLE   21,783 0 0
Dimensional International Core Equity Market ETF Exchange Traded Fund 25434V203 676 23,998 SH   SOLE   23,998 0 0
Dimensional US Core Equity Market ETF Exchange Traded Fund 25434V104 281 8,900 SH   SOLE   8,900 0 0
Dimensional World EX US Core Equity 2 ETF Exchange Traded Fund 25434V880 6,886 275,999 SH   SOLE   275,999 0 0
Dollar Tree Inc Common Stock 256746108 1,031 6,439 SH   SOLE   6,439 0 0
DTE Energy Co Common Stock 233331107 429 3,245 SH   SOLE   3,245 0 0
Electronic Arts Inc Common Stock 285512109 288 2,274 SH   SOLE   2,274 0 0
Eli Lilly & Co Common Stock 532457108 443 1,547 SH   SOLE   1,547 0 0
Emerson Electric Co Common Stock 291011104 153 1,559 SH   SOLE   1,559 0 0
Emerson Electric Co Common Stock 291011104 176 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 858 4,387 SH   SOLE   4,387 0 0
Exxon Mobil Corp Common Stock 30231G102 821 9,943 SH   SOLE   9,943 0 0
Exxon Mobil Corp Common Stock 30231G102 111 1,345 SH   OTR   1,345 0 0
General Dynamics Corp Common Stock 369550108 532 2,205 SH   SOLE   2,205 0 0
General Electric Company Common Stock 369604301 172 1,879 SH   SOLE   1,879 0 0
General Electric Company Common Stock 369604301 36 395 SH   OTR   395 0 0
Home Depot Inc Common Stock 437076102 367 1,226 SH   SOLE   1,226 0 0
Huntington Bancshares Inc Common Stock 446150104 89 6,101 SH   SOLE   6,101 0 0
Huntington Bancshares Inc Common Stock 446150104 232 15,866 SH   OTR   15,866 0 0
Intel Corp Common Stock 458140100 795 16,044 SH   SOLE   16,044 0 0
Intel Corp Common Stock 458140100 57 1,150 SH   OTR   1,150 0 0
International Business Machines Common Stock 459200101 266 2,043 SH   SOLE   2,043 0 0
International Business Machines Common Stock 459200101 218 1,675 SH   OTR   1,675 0 0
Invesco S&P 500 Equal Weight ETF Exchange Traded Fund 46137V357 1,883 11,942 SH   SOLE   11,942 0 0
Ishares Core MSCI EAFE ETF Exchange Traded Fund 46432F842 1,066 15,331 SH   SOLE   15,331 0 0
IShares Core S&P 500 ETF Exchange Traded Fund 464287200 281 620 SH   SOLE   620 0 0
IShares DJ Select Dividend Exchange Traded Fund 464287168 250 1,950 SH   SOLE   1,950 0 0
IShares MSCI Emerging Markets Exchange Traded Fund 464287234 354 7,839 SH   SOLE   7,839 0 0
IShares Russell 1000 Growth Index Fund Exchange Traded Fund 464287614 2,047 7,374 SH   SOLE   7,374 0 0
IShares Russell 2000 Growth Fund Exchange Traded Fund 464287648 808 3,159 SH   SOLE   3,159 0 0
IShares Russell MidCap Growth Exchange Traded Fund 464287481 1,537 15,290 SH   SOLE   15,290 0 0
J P Morgan Chase & Co Common Stock 46625H100 939 6,885 SH   SOLE   6,885 0 0
J P Morgan Chase & Co Common Stock 46625H100 64 471 SH   OTR   471 0 0
Johnson & Johnson Common Stock 478160104 858 4,842 SH   SOLE   4,842 0 0
Johnson & Johnson Common Stock 478160104 198 1,120 SH   OTR   1,120 0 0
KKR & Company Inc Common Stock 48251W104 875 14,958 SH   SOLE   14,958 0 0
Lockheed Martin Corp Common Stock 539830109 610 1,383 SH   SOLE   1,383 0 0
Lockheed Martin Corp Common Stock 539830109 33 75 SH   OTR   75 0 0
Lowes Companies Inc Common Stock 548661107 419 2,074 SH   SOLE   2,074 0 0
Mastercard Inc Common Stock 57636Q104 986 2,760 SH   SOLE   2,760 0 0
Mastercard Inc Common Stock 57636Q104 147 412 SH   OTR   412 0 0
McDonalds Corp Common Stock 580135101 384 1,554 SH   SOLE   1,554 0 0
Merck and Co Inc Common Stock 58933Y105 564 6,873 SH   SOLE   6,873 0 0
Meta Platforms Inc Common Stock 30303M102 1,098 4,936 SH   SOLE   4,936 0 0
Meta Platforms Inc Common Stock 30303M102 67 300 SH   OTR   300 0 0
Microsoft Corp Common Stock 594918104 2,314 7,504 SH   SOLE   7,504 0 0
Microsoft Corp Common Stock 594918104 92 300 SH   OTR   300 0 0
Monster Beverage Common Stock 61174X109 292 3,655 SH   SOLE   3,655 0 0
Monster Beverage Common Stock 61174X109 44 555 SH   OTR   555 0 0
Netflix Inc Common Stock 64110L106 371 990 SH   SOLE   990 0 0
Nextera Energy Inc Common Stock 65339F101 548 6,468 SH   SOLE   6,468 0 0
Nextera Energy Inc Common Stock 65339F101 157 1,848 SH   OTR   1,848 0 0
Nike Common Stock 654106103 269 2,000 SH   SOLE   2,000 0 0
Oracle Corp Common Stock 68389X105 912 11,028 SH   SOLE   11,028 0 0
Oracle Corp Common Stock 68389X105 165 2,000 SH   OTR   2,000 0 0
O'Reilly Automotive Inc Common Stock 67103H107 386 563 SH   SOLE   563 0 0
O'Reilly Automotive Inc Common Stock 67103H107 96 140 SH   OTR   140 0 0
Paypal Holdings Inc Common Stock 70450Y103 465 4,025 SH   SOLE   4,025 0 0
Paypal Holdings Inc Common Stock 70450Y103 40 350 SH   OTR   350 0 0
Pepsico Inc Common Stock 713448108 647 3,867 SH   SOLE   3,867 0 0
Pfizer Inc Common Stock 717081103 555 10,728 SH   SOLE   10,728 0 0
Pfizer Inc Common Stock 717081103 46 885 SH   OTR   885 0 0
Phillips 66 Common Stock 718546104 334 3,861 SH   SOLE   3,861 0 0
Procter & Gamble Co Common Stock 742718109 862 5,644 SH   SOLE   5,644 0 0
Salesforce, Inc Common Stock 79466L302 290 1,366 SH   SOLE   1,366 0 0
Select Sector Spdr Tr Health Care Exchange Traded Fund 81369Y209 219 1,600 SH   SOLE   1,600 0 0
Servicenow Inc Common Stock 81762P102 334 600 SH   SOLE   600 0 0
Sherwin Williams Co Common Stock 824348106 919 3,681 SH   SOLE   3,681 0 0
Simon Property Group Inc Common Stock 828806109 259 1,965 SH   SOLE   1,965 0 0
Simon Property Group Inc Common Stock 828806109 59 450 SH   OTR   450 0 0
SPDR Dow Jones Industrial Ave ETF Trust Exchange Traded Fund 78467X109 245 705 SH   OTR   705 0 0
SPDR S&P 500 ETF Trust Exchange Traded Fund 78462F103 558 1,236 SH   SOLE   1,236 0 0
SPDR S&P 500 ETF Trust Exchange Traded Fund 78462F103 406 900 SH   OTR   900 0 0
SPDR S&P MidCap 400 ETF Trust Exchange Traded Fund 78467Y107 709 1,445 SH   SOLE   1,445 0 0
Steven Madden LTD Common Stock 556269108 313 8,100 SH   SOLE   8,100 0 0
T Rowe Price Blue Chip Growth ETF Exchange Traded Fund 87283Q107 544 18,533 SH   SOLE   18,533 0 0
Target Corp Common Stock 87612E106 466 2,197 SH   SOLE   2,197 0 0
Target Corp Common Stock 87612E106 127 600 SH   OTR   600 0 0
The Travelers Companies Inc Common Stock 89417E109 554 3,031 SH   SOLE   3,031 0 0
TJX Companies Inc Common Stock 872540109 388 6,400 SH   SOLE   6,400 0 0
Uber Technologies Inc Common Stock 90353T100 220 6,160 SH   SOLE   6,160 0 0
Union Pacific Corp Common Stock 907818108 1,111 4,066 SH   SOLE   4,066 0 0
UnitedHealth Group Inc Common Stock 91324P102 574 1,125 SH   SOLE   1,125 0 0
US Bancorp Common Stock 902973304 228 4,282 SH   SOLE   4,282 0 0
Vanguard 500 Index Fund ETF Exchange Traded Fund 922908363 3,382 8,145 SH   SOLE   8,145 0 0
Vanguard Extended Market ETF Exchange Traded Fund 922908652 512 3,090 SH   SOLE   3,090 0 0
Vanguard FTSE Developed Markets Index Fund ETF Exchange Traded Fund 921943858 205 4,267 SH   SOLE   4,267 0 0
Vanguard FTSE Developed Markets Index Fund ETF Exchange Traded Fund 921943858 19 400 SH   OTR   400 0 0
Vanguard Global ex-U.S. Real E Exchange Traded Fund 922042676 650 12,510 SH   SOLE   12,510 0 0
Vanguard Growth Vipers Fund Exchange Traded Fund 922908736 856 2,978 SH   SOLE   2,978 0 0
Vanguard Mid-Cap Index ETF Exchange Traded Fund 922908629 356 1,497 SH   SOLE   1,497 0 0
Vanguard Real Estate ETF Exchange Traded Fund 922908553 1,180 10,890 SH   SOLE   10,890 0 0
Vanguard Small-Cap Value ETF Exchange Traded Fund 922908611 602 3,424 SH   SOLE   3,424 0 0
Vanguard Value ETF Exchange Traded Fund 922908744 1,205 8,155 SH   SOLE   8,155 0 0
Vanguard Whitehall Funds High Dividend Yield Etf Exchange Traded Fund 921946406 758 6,752 SH   SOLE   6,752 0 0
Verizon Communications Inc Common Stock 92343V104 355 6,966 SH   SOLE   6,966 0 0
Visa Inc Common Stock 92826C839 2,850 12,851 SH   SOLE   12,851 0 0
Vornado Realty Trust Common Stock 929042109 213 4,698 SH   SOLE   4,698 0 0
WalMart Inc Common Stock 931142103 351 2,356 SH   SOLE   2,356 0 0
WalMart Inc Common Stock 931142103 97 650 SH   OTR   650 0 0
Walt Disney Productions Common Stock 254687106 491 3,580 SH   SOLE   3,580 0 0
Walt Disney Productions Common Stock 254687106 37 270 SH   OTR   270 0 0
Waste Management Inc Common Stock 94106L109 429 2,704 SH   SOLE   2,704 0 0
Wells Fargo & Co Common Stock 949746101 1,142 23,565 SH   SOLE   23,565 0 0
Wells Fargo & Co Common Stock 949746101 80 1,650 SH   OTR   1,650 0 0
Xcel Energy Inc Common Stock 98389B100 432 5,988 SH   SOLE   5,988 0 0