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 38 350 SH   OTR   350 0 0
Abbott Laboratories Common Stock 002824100 580 5,342 SH   SOLE   5,342 0 0
AbbVie Inc Common Stock 00287Y109 54 350 SH   OTR   350 0 0
AbbVie Inc Common Stock 00287Y109 1,220 7,965 SH   SOLE   7,965 0 0
Activision Blizzard Inc Common Stock 00507V109 372 4,772 SH   SOLE   4,772 0 0
Adobe Systems Inc Common Stock 00724F101 280 765 SH   SOLE   765 0 0
Air Products & Chemicials Inc Common Stock 009158106 217 904 SH   SOLE   904 0 0
Alphabet Inc Cap Stk Class C Common Stock 02079K107 354 162 SH   SOLE   162 0 0
Alphabet Inc Capital Stock Class A Common Stock 02079K305 44 20 SH   OTR   20 0 0
Alphabet Inc Capital Stock Class A Common Stock 02079K305 913 419 SH   SOLE   419 0 0
Amazon Com Inc Common Stock 023135106 223 2,100 SH   SOLE   2,100 0 0
American Electric Power Inc Common Stock 025537101 468 4,875 SH   SOLE   4,875 0 0
Apollo Global Management Inc Common Stock 03769M106 1,259 25,972 SH   SOLE   25,972 0 0
Apollo Global Management Inc Common Stock 03769M106 74 1,527 SH   OTR   1,527 0 0
Apple Computer Inc Common Stock 037833100 119 872 SH   OTR   872 0 0
Apple Computer Inc Common Stock 037833100 2,307 16,877 SH   SOLE   16,877 0 0
Armstrong World Industries Common Stock 04247X102 201 2,686 SH   SOLE   2,686 0 0
Automatic Data Processing Inc Common Stock 053015103 492 2,344 SH   SOLE   2,344 0 0
Avantis Emerging Markets Equity ETF Exchange Traded Fund 025072604 348 6,682 SH   SOLE   6,682 0 0
Avantis International Equity ETF Exchange Traded Fund 025072703 316 6,192 SH   SOLE   6,192 0 0
Avantis Intl Small Cap Value ETF Exchange Traded Fund 025072802 216 4,100 SH   SOLE   4,100 0 0
Avantis US Large Cap Value ETF Exchange Traded Fund 025072349 293 6,347 SH   SOLE   6,347 0 0
Avantis US Small Cap Value ETF Exchange Traded Fund 025072877 815 11,929 SH   SOLE   11,929 0 0
Bank of America Corp Common Stock 060505104 50 1,600 SH   OTR   1,600 0 0
Bank of America Corp Common Stock 060505104 946 30,383 SH   SOLE   30,383 0 0
Baxter International Inc Common Stock 071813109 64 1,000 SH   OTR   1,000 0 0
Baxter International Inc Common Stock 071813109 189 2,941 SH   SOLE   2,941 0 0
Berkshire Hathaway Inc Class B Common Stock 084670702 84 307 SH   OTR   307 0 0
Berkshire Hathaway Inc Class B Common Stock 084670702 3,143 11,511 SH   SOLE   11,511 0 0
BlackRock Core Bond Fixed Income ETF 09249E101 1,619 143,000 SH   SOLE   143,000 0 0
Blackrock Taxable Municipal Bond Trust Fixed Income ETF 09248X100 1,801 94,000 SH   SOLE   94,000 0 0
Blackstone Inc Common Stock 09260D107 1,330 14,578 SH   SOLE   14,578 0 0
Blackstone Inc Common Stock 09260D107 73 800 SH   OTR   800 0 0
Bristol Myers Squibb Co Common Stock 110122108 976 12,670 SH   SOLE   12,670 0 0
Caterpillar Inc Common Stock 149123101 207 1,160 SH   OTR   1,160 0 0
Caterpillar Inc Common Stock 149123101 860 4,810 SH   SOLE   4,810 0 0
Chevron Corp Common Stock 166764100 655 4,521 SH   SOLE   4,521 0 0
Cisco Systems Inc Common Stock 17275R102 443 10,400 SH   SOLE   10,400 0 0
Conocophillips Common Stock 20825C104 19 210 SH   OTR   210 0 0
Conocophillips Common Stock 20825C104 203 2,260 SH   SOLE   2,260 0 0
CSX Corp Common Stock 126408103 1,177 40,500 SH   SOLE   40,500 0 0
Cummins Inc Common Stock 231021106 310 1,600 SH   SOLE   1,600 0 0
CVS Health Corporation Common Stock 126650100 32 350 SH   OTR   350 0 0
CVS Health Corporation Common Stock 126650100 353 3,809 SH   SOLE   3,809 0 0
Dimensional Emerging Core Equity Market ETF Exchange Traded Fund 25434V302 507 21,871 SH   SOLE   21,871 0 0
Dimensional International Core Equity Market ETF Exchange Traded Fund 25434V203 594 24,608 SH   SOLE   24,608 0 0
Dimensional US Core Equity Market ETF Exchange Traded Fund 25434V104 243 9,187 SH   SOLE   9,187 0 0
Dimensional World EX US Core Equity 2 ETF Exchange Traded Fund 25434V880 5,917 275,999 SH   SOLE   275,999 0 0
Dollar Tree Inc Common Stock 256746108 926 5,939 SH   SOLE   5,939 0 0
DTE Energy Co Common Stock 233331107 411 3,245 SH   SOLE   3,245 0 0
Electronic Arts Inc Common Stock 285512109 277 2,274 SH   SOLE   2,274 0 0
Eli Lilly & Co Common Stock 532457108 502 1,547 SH   SOLE   1,547 0 0
Emerson Electric Co Common Stock 291011104 143 1,800 SH   OTR   1,800 0 0
Emerson Electric Co Common Stock 291011104 92 1,159 SH   SOLE   1,159 0 0
Envirochem, Inc Common Stock 29403U105 0 41,250 SH   SOLE   41,250 0 0
Expedia Group Inc Common Stock 30212P303 396 4,176 SH   SOLE   4,176 0 0
Exxon Mobil Corp Common Stock 30231G102 115 1,345 SH   OTR   1,345 0 0
Exxon Mobil Corp Common Stock 30231G102 819 9,568 SH   SOLE   9,568 0 0
General Dynamics Corp Common Stock 369550108 391 1,769 SH   SOLE   1,769 0 0
Home Depot Inc Common Stock 437076102 336 1,226 SH   SOLE   1,226 0 0
Huntington Bancshares Inc Common Stock 446150104 191 15,866 SH   OTR   15,866 0 0
Huntington Bancshares Inc Common Stock 446150104 73 6,101 SH   SOLE   6,101 0 0
Intel Corp Common Stock 458140100 43 1,150 SH   OTR   1,150 0 0
Intel Corp Common Stock 458140100 572 15,291 SH   SOLE   15,291 0 0
International Business Machines Common Stock 459200101 236 1,675 SH   OTR   1,675 0 0
International Business Machines Common Stock 459200101 385 2,728 SH   SOLE   2,728 0 0
Invesco S&P 500 Equal Weight ETF Exchange Traded Fund 46137V357 1,694 12,618 SH   SOLE   12,618 0 0
Ishares Core MSCI EAFE ETF Exchange Traded Fund 46432F842 967 16,424 SH   SOLE   16,424 0 0
IShares Core S&P 500 ETF Exchange Traded Fund 464287200 244 643 SH   SOLE   643 0 0
IShares DJ Select Dividend Exchange Traded Fund 464287168 229 1,950 SH   SOLE   1,950 0 0
IShares MSCI Emerging Markets Exchange Traded Fund 464287234 314 7,839 SH   SOLE   7,839 0 0
IShares Russell 1000 Growth Index Fund Exchange Traded Fund 464287614 1,607 7,347 SH   SOLE   7,347 0 0
IShares Russell 2000 Growth Fund Exchange Traded Fund 464287648 652 3,159 SH   SOLE   3,159 0 0
IShares Russell MidCap Growth Exchange Traded Fund 464287481 1,211 15,290 SH   SOLE   15,290 0 0
J P Morgan Chase & Co Common Stock 46625H100 53 471 SH   OTR   471 0 0
J P Morgan Chase & Co Common Stock 46625H100 722 6,411 SH   SOLE   6,411 0 0
Johnson & Johnson Common Stock 478160104 199 1,120 SH   OTR   1,120 0 0
Johnson & Johnson Common Stock 478160104 778 4,384 SH   SOLE   4,384 0 0
KKR & Company Inc Common Stock 48251W104 643 13,888 SH   SOLE   13,888 0 0
Lockheed Martin Corp Common Stock 539830109 32 75 SH   OTR   75 0 0
Lockheed Martin Corp Common Stock 539830109 598 1,390 SH   SOLE   1,390 0 0
Lowes Companies Inc Common Stock 548661107 362 2,074 SH   SOLE   2,074 0 0
Mastercard Inc Common Stock 57636Q104 130 412 SH   OTR   412 0 0
Mastercard Inc Common Stock 57636Q104 804 2,550 SH   SOLE   2,550 0 0
McDonalds Corp Common Stock 580135101 384 1,554 SH   SOLE   1,554 0 0
Merck and Co Inc Common Stock 58933Y105 614 6,731 SH   SOLE   6,731 0 0
Meta Platforms Inc Common Stock 30303M102 56 350 SH   OTR   350 0 0
Meta Platforms Inc Common Stock 30303M102 655 4,061 SH   SOLE   4,061 0 0
Microsoft Corp Common Stock 594918104 77 300 SH   OTR   300 0 0
Microsoft Corp Common Stock 594918104 1,491 5,804 SH   SOLE   5,804 0 0
Monster Beverage Common Stock 61174X109 51 555 SH   OTR   555 0 0
Monster Beverage Common Stock 61174X109 339 3,655 SH   SOLE   3,655 0 0
Nextera Energy Inc Common Stock 65339F101 143 1,848 SH   OTR   1,848 0 0
Nextera Energy Inc Common Stock 65339F101 501 6,468 SH   SOLE   6,468 0 0
Nike Common Stock 654106103 204 2,000 SH   SOLE   2,000 0 0
Oracle Corp Common Stock 68389X105 140 2,000 SH   OTR   2,000 0 0
Oracle Corp Common Stock 68389X105 771 11,028 SH   SOLE   11,028 0 0
O'Reilly Automotive Inc Common Stock 67103H107 301 476 SH   SOLE   476 0 0
O'Reilly Automotive Inc Common Stock 67103H107 88 140 SH   OTR   140 0 0
Paypal Holdings Inc Common Stock 70450Y103 24 350 SH   OTR   350 0 0
Paypal Holdings Inc Common Stock 70450Y103 272 3,899 SH   SOLE   3,899 0 0
Pepsico Inc Common Stock 713448108 494 2,966 SH   SOLE   2,966 0 0
Pfizer Inc Common Stock 717081103 46 885 SH   OTR   885 0 0
Pfizer Inc Common Stock 717081103 534 10,183 SH   SOLE   10,183 0 0
Phillips 66 Common Stock 718546104 302 3,684 SH   SOLE   3,684 0 0
Procter & Gamble Co Common Stock 742718109 721 5,013 SH   SOLE   5,013 0 0
Salesforce, Inc Common Stock 79466L302 228 1,383 SH   SOLE   1,383 0 0
Select Sector Spdr Tr Health Care Exchange Traded Fund 81369Y209 205 1,600 SH   SOLE   1,600 0 0
Servicenow Inc Common Stock 81762P102 285 600 SH   SOLE   600 0 0
Sherwin Williams Co Common Stock 824348106 824 3,681 SH   SOLE   3,681 0 0
Simon Property Group Inc Common Stock 828806109 43 450 SH   OTR   450 0 0
Simon Property Group Inc Common Stock 828806109 220 2,315 SH   SOLE   2,315 0 0
SPDR Dow Jones Industrial Ave ETF Trust Exchange Traded Fund 78467X109 217 705 SH   OTR   705 0 0
SPDR S&P 500 ETF Trust Exchange Traded Fund 78462F103 340 900 SH   OTR   900 0 0
SPDR S&P 500 ETF Trust Exchange Traded Fund 78462F103 46 121 SH   SOLE   121 0 0
Steven Madden LTD Common Stock 556269108 261 8,100 SH   SOLE   8,100 0 0
T Rowe Price Blue Chip Growth ETF Exchange Traded Fund 87283Q107 466 21,191 SH   SOLE   21,191 0 0
Target Corp Common Stock 87612E106 85 600 SH   OTR   600 0 0
Target Corp Common Stock 87612E106 351 2,487 SH   SOLE   2,487 0 0
The Travelers Companies Inc Common Stock 89417E109 441 2,606 SH   SOLE   2,606 0 0
TJX Companies Inc Common Stock 872540109 357 6,400 SH   SOLE   6,400 0 0
Union Pacific Corp Common Stock 907818108 867 4,066 SH   SOLE   4,066 0 0
UnitedHealth Group Inc Common Stock 91324P102 578 1,125 SH   SOLE   1,125 0 0
Vanguard 500 Index Fund ETF Exchange Traded Fund 922908363 3,062 8,827 SH   SOLE   8,827 0 0
Vanguard Extended Market ETF Exchange Traded Fund 922908652 405 3,090 SH   SOLE   3,090 0 0
Vanguard Global ex-U.S. Real E Exchange Traded Fund 922042676 608 13,730 SH   SOLE   13,730 0 0
Vanguard Growth Vipers Fund ETF Exchange Traded Fund 922908736 660 2,960 SH   SOLE   2,960 0 0
Vanguard Mid-Cap Index ETF Exchange Traded Fund 922908629 593 3,010 SH   SOLE   3,010 0 0
Vanguard Real Estate ETF Exchange Traded Fund 922908553 1,024 11,240 SH   SOLE   11,240 0 0
Vanguard Small-Cap Value ETF Exchange Traded Fund 922908611 627 4,188 SH   SOLE   4,188 0 0
Vanguard Value ETF Exchange Traded Fund 922908744 1,230 9,330 SH   SOLE   9,330 0 0
Vanguard Whitehall Funds High Dividend Yield Etf Exchange Traded Fund 921946406 710 6,982 SH   SOLE   6,982 0 0
Verizon Communications Inc Common Stock 92343V104 314 6,195 SH   SOLE   6,195 0 0
Visa Inc Common Stock 92826C839 2,530 12,851 SH   SOLE   12,851 0 0
WalMart Inc Common Stock 931142103 210 1,730 SH   SOLE   1,730 0 0
WalMart Inc Common Stock 931142103 79 650 SH   OTR   650 0 0
Walt Disney Productions Common Stock 254687106 25 270 SH   OTR   270 0 0
Walt Disney Productions Common Stock 254687106 357 3,780 SH   SOLE   3,780 0 0
Waste Management Inc Common Stock 94106L109 322 2,105 SH   SOLE   2,105 0 0
Wells Fargo & Co Common Stock 949746101 909 23,214 SH   SOLE   23,214 0 0
Wells Fargo & Co Common Stock 949746101 65 1,650 SH   OTR   1,650 0 0
Xcel Energy Inc Common Stock 98389B100 408 5,767 SH   SOLE   5,767 0 0