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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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 398 4,117 SH   SOLE   4,117 0 0
Abbott Laboratories Common Stock 002824100 34 350 SH   OTR   350 0 0
AbbVie Inc Common Stock 00287Y109 905 6,742 SH   SOLE   6,742 0 0
AbbVie Inc Common Stock 00287Y109 47 350 SH   OTR   350 0 0
Activision Blizzard Inc Common Stock 00507V109 355 4,772 SH   SOLE   4,772 0 0
Adobe Systems Inc Common Stock 00724F101 211 765 SH   SOLE   765 0 0
Air Products & Chemicials Inc Common Stock 009158106 210 904 SH   SOLE   904 0 0
Alphabet Inc Cap Stk Class C Common Stock 02079K107 312 3,240 SH   SOLE   3,240 0 0
Alphabet Inc Capital Stock Class A Common Stock 02079K305 843 8,813 SH   SOLE   8,813 0 0
Alphabet Inc Capital Stock Class A Common Stock 02079K305 38 400 SH   OTR   400 0 0
Amazon Com Inc Common Stock 023135106 237 2,100 SH   SOLE   2,100 0 0
American Electric Power Inc Common Stock 025537101 292 3,375 SH   SOLE   3,375 0 0
Apollo Global Management Inc Common Stock 03769M106 1,327 28,530 SH   SOLE   28,530 0 0
Apollo Global Management Inc Common Stock 03769M106 71 1,527 SH   OTR   1,527 0 0
Apple Computer Inc Common Stock 037833100 2,500 18,089 SH   SOLE   18,089 0 0
Apple Computer Inc Common Stock 037833100 121 872 SH   OTR   872 0 0
Armstrong World Industries Common Stock 04247X102 211 2,661 SH   SOLE   2,661 0 0
Automatic Data Processing Inc Common Stock 053015103 530 2,343 SH   SOLE   2,343 0 0
Avantis Emerging Markets Equity ETF Exchange Traded Fund 025072604 738 16,067 SH   SOLE   16,067 0 0
Avantis International Equity ETF Exchange Traded Fund 025072703 2,219 48,643 SH   SOLE   48,643 0 0
Avantis Intl Small Cap Value ETF Exchange Traded Fund 025072802 361 7,600 SH   SOLE   7,600 0 0
Avantis US Large Cap Value ETF Exchange Traded Fund 025072349 449 10,107 SH   SOLE   10,107 0 0
Avantis US Small Cap Value ETF Exchange Traded Fund 025072877 1,468 22,192 SH   SOLE   22,192 0 0
Bank of America Corp Common Stock 060505104 1,008 33,383 SH   SOLE   33,383 0 0
Bank of America Corp Common Stock 060505104 48 1,600 SH   OTR   1,600 0 0
Baxter International Inc Common Stock 071813109 158 2,941 SH   SOLE   2,941 0 0
Baxter International Inc Common Stock 071813109 54 1,000 SH   OTR   1,000 0 0
Berkshire Hathaway Inc Class B Common Stock 084670702 2,937 11,001 SH   SOLE   11,001 0 0
Berkshire Hathaway Inc Class B Common Stock 084670702 82 307 SH   OTR   307 0 0
Black Hills Corp Common Stock 092113109 749 11,056 SH   SOLE   11,056 0 0
BlackRock Core Bond Fixed Income ETF 09249E101 1,430 143,000 SH   SOLE   143,000 0 0
Blackrock Taxable Municipal Bond Trust Fixed Income ETF 09248X100 1,544 94,000 SH   SOLE   94,000 0 0
Blackstone Inc Common Stock 09260D107 1,297 15,493 SH   SOLE   15,493 0 0
Blackstone Inc Common Stock 09260D107 67 800 SH   OTR   800 0 0
Bristol Myers Squibb Co Common Stock 110122108 844 11,870 SH   SOLE   11,870 0 0
Caterpillar Inc Common Stock 149123101 789 4,810 SH   SOLE   4,810 0 0
Caterpillar Inc Common Stock 149123101 190 1,160 SH   OTR   1,160 0 0
Chevron Corp Common Stock 166764100 650 4,521 SH   SOLE   4,521 0 0
Cisco Systems Inc Common Stock 17275R102 414 10,347 SH   SOLE   10,347 0 0
Conocophillips Common Stock 20825C104 231 2,260 SH   SOLE   2,260 0 0
Conocophillips Common Stock 20825C104 21 210 SH   OTR   210 0 0
CSX Corp Common Stock 126408103 1,079 40,500 SH   SOLE   40,500 0 0
Cummins Inc Common Stock 231021106 326 1,600 SH   SOLE   1,600 0 0
CVS Health Corporation Common Stock 126650100 363 3,809 SH   SOLE   3,809 0 0
CVS Health Corporation Common Stock 126650100 33 350 SH   OTR   350 0 0
Dimensional Emerging Core Equity Market ETF Exchange Traded Fund 25434V302 276 13,748 SH   SOLE   13,748 0 0
Dimensional US Core Equity Market ETF Exchange Traded Fund 25434V104 268 10,659 SH   SOLE   10,659 0 0
Dimensional US Marketwide Value ETF Exchange Traded Fund 25434V724 3,912 132,111 SH   SOLE   132,111 0 0
Dimensional World EX US Core Equity 2 ETF Exchange Traded Fund 25434V880 5,731 303,396 SH   SOLE   303,396 0 0
Dollar Tree Inc Common Stock 256746108 672 4,939 SH   SOLE   4,939 0 0
DTE Energy Co Common Stock 233331107 373 3,245 SH   SOLE   3,245 0 0
Electronic Arts Inc Common Stock 285512109 263 2,274 SH   SOLE   2,274 0 0
Eli Lilly & Co Common Stock 532457108 403 1,247 SH   SOLE   1,247 0 0
Envirochem, Inc Common Stock 29403U105 0 41,250 SH   SOLE   41,250 0 0
Expedia Group Inc Common Stock 30212P303 391 4,176 SH   SOLE   4,176 0 0
Exxon Mobil Corp Common Stock 30231G102 698 8,000 SH   SOLE   8,000 0 0
Exxon Mobil Corp Common Stock 30231G102 117 1,345 SH   OTR   1,345 0 0
General Dynamics Corp Common Stock 369550108 375 1,769 SH   SOLE   1,769 0 0
Home Depot Inc Common Stock 437076102 338 1,226 SH   SOLE   1,226 0 0
Huntington Bancshares Inc Common Stock 446150104 80 6,101 SH   SOLE   6,101 0 0
Huntington Bancshares Inc Common Stock 446150104 209 15,866 SH   OTR   15,866 0 0
Intel Corp Common Stock 458140100 433 16,791 SH   SOLE   16,791 0 0
Intel Corp Common Stock 458140100 30 1,150 SH   OTR   1,150 0 0
International Business Machines Common Stock 459200101 258 2,169 SH   SOLE   2,169 0 0
International Business Machines Common Stock 459200101 199 1,675 SH   OTR   1,675 0 0
Invesco S&P 500 Equal Weight ETF Exchange Traded Fund 46137V357 1,815 14,262 SH   SOLE   14,262 0 0
Ishares Core MSCI EAFE ETF Exchange Traded Fund 46432F842 412 7,822 SH   SOLE   7,822 0 0
iShares Core MSCI International Exchange Traded Fund 46435G326 1,209 25,032 SH   SOLE   25,032 0 0
IShares Core S&P 500 ETF Exchange Traded Fund 464287200 339 944 SH   SOLE   944 0 0
IShares MSCI Emerging Markets Exchange Traded Fund 464287234 273 7,839 SH   SOLE   7,839 0 0
IShares Russell 1000 Growth Index Fund Exchange Traded Fund 464287614 1,531 7,276 SH   SOLE   7,276 0 0
IShares Russell 2000 Growth Fund Exchange Traded Fund 464287648 653 3,159 SH   SOLE   3,159 0 0
IShares Russell MidCap Growth Exchange Traded Fund 464287481 1,199 15,290 SH   SOLE   15,290 0 0
J P Morgan Chase & Co Common Stock 46625H100 712 6,811 SH   SOLE   6,811 0 0
J P Morgan Chase & Co Common Stock 46625H100 49 471 SH   OTR   471 0 0
Johnson & Johnson Common Stock 478160104 716 4,384 SH   SOLE   4,384 0 0
Johnson & Johnson Common Stock 478160104 183 1,120 SH   OTR   1,120 0 0
Kellogg Co Common Stock 487836108 206 2,953 SH   SOLE   2,953 0 0
KKR & Company Inc Common Stock 48251W104 603 14,027 SH   SOLE   14,027 0 0
Lockheed Martin Corp Common Stock 539830109 546 1,414 SH   SOLE   1,414 0 0
Lockheed Martin Corp Common Stock 539830109 29 75 SH   OTR   75 0 0
Lowes Companies Inc Common Stock 548661107 390 2,074 SH   SOLE   2,074 0 0
Mastercard Inc Common Stock 57636Q104 725 2,550 SH   SOLE   2,550 0 0
Mastercard Inc Common Stock 57636Q104 117 412 SH   OTR   412 0 0
McDonalds Corp Common Stock 580135101 359 1,554 SH   SOLE   1,554 0 0
Merck and Co Inc Common Stock 58933Y105 476 5,529 SH   SOLE   5,529 0 0
Meta Platforms Inc Common Stock 30303M102 500 3,686 SH   SOLE   3,686 0 0
Meta Platforms Inc Common Stock 30303M102 47 350 SH   OTR   350 0 0
Microsoft Corp Common Stock 594918104 1,352 5,804 SH   SOLE   5,804 0 0
Microsoft Corp Common Stock 594918104 70 300 SH   OTR   300 0 0
Minnehaha Banshares Inc-Common Common Stock 603995002 1,799 9,470 SH   SOLE   9,470 0 0
Monster Beverage Common Stock 61174X109 318 3,655 SH   SOLE   3,655 0 0
Monster Beverage Common Stock 61174X109 48 555 SH   OTR   555 0 0
Nextera Energy Inc Common Stock 65339F101 278 3,540 SH   SOLE   3,540 0 0
Nextera Energy Inc Common Stock 65339F101 145 1,848 SH   OTR   1,848 0 0
Oracle Corp Common Stock 68389X105 673 11,028 SH   SOLE   11,028 0 0
Oracle Corp Common Stock 68389X105 122 2,000 SH   OTR   2,000 0 0
O'Reilly Automotive Inc Common Stock 67103H107 335 476 SH   SOLE   476 0 0
O'Reilly Automotive Inc Common Stock 67103H107 98 140 SH   OTR   140 0 0
Paypal Holdings Inc Common Stock 70450Y103 318 3,695 SH   SOLE   3,695 0 0
Paypal Holdings Inc Common Stock 70450Y103 30 350 SH   OTR   350 0 0
Pepsico Inc Common Stock 713448108 482 2,954 SH   SOLE   2,954 0 0
Pfizer Inc Common Stock 717081103 358 8,183 SH   SOLE   8,183 0 0
Pfizer Inc Common Stock 717081103 39 885 SH   OTR   885 0 0
Phillips 66 Common Stock 718546104 257 3,184 SH   SOLE   3,184 0 0
Procter & Gamble Co Common Stock 742718109 570 4,513 SH   SOLE   4,513 0 0
Salesforce, Inc Common Stock 79466L302 213 1,483 SH   SOLE   1,483 0 0
Schwab U.S. Large-Cap Growth ETF Exchange Traded Fund 808524300 201 3,610 SH   SOLE   3,610 0 0
Servicenow Inc Common Stock 81762P102 227 600 SH   SOLE   600 0 0
Sherwin Williams Co Common Stock 824348106 754 3,681 SH   SOLE   3,681 0 0
Simon Property Group Inc Common Stock 828806109 247 2,755 SH   SOLE   2,755 0 0
Simon Property Group Inc Common Stock 828806109 40 450 SH   OTR   450 0 0
SPDR Dow Jones Industrial Ave ETF Trust Exchange Traded Fund 78467X109 35 123 SH   SOLE   123 0 0
SPDR Dow Jones Industrial Ave ETF Trust Exchange Traded Fund 78467X109 203 705 SH   OTR   705 0 0
SPDR S&P 500 ETF Trust Exchange Traded Fund 78462F103 43 121 SH   SOLE   121 0 0
SPDR S&P 500 ETF Trust Exchange Traded Fund 78462F103 321 900 SH   OTR   900 0 0
Steven Madden LTD Common Stock 556269108 216 8,100 SH   SOLE   8,100 0 0
T Rowe Price Blue Chip Growth ETF Exchange Traded Fund 87283Q107 993 47,308 SH   SOLE   47,308 0 0
Target Corp Common Stock 87612E106 454 3,062 SH   SOLE   3,062 0 0
Target Corp Common Stock 87612E106 89 600 SH   OTR   600 0 0
The Travelers Companies Inc Common Stock 89417E109 399 2,606 SH   SOLE   2,606 0 0
TJX Companies Inc Common Stock 872540109 398 6,400 SH   SOLE   6,400 0 0
Union Pacific Corp Common Stock 907818108 792 4,066 SH   SOLE   4,066 0 0
UnitedHealth Group Inc Common Stock 91324P102 568 1,125 SH   SOLE   1,125 0 0
Vanguard 500 Index Fund ETF Exchange Traded Fund 922908363 3,478 10,593 SH   SOLE   10,593 0 0
Vanguard Extended Market ETF Exchange Traded Fund 922908652 393 3,090 SH   SOLE   3,090 0 0
Vanguard FTSE Developed Markets Index Fund ETF Exchange Traded Fund 921943858 230 6,313 SH   SOLE   6,313 0 0
Vanguard FTSE Developed Markets Index Fund ETF Exchange Traded Fund 921943858 15 400 SH   OTR   400 0 0
Vanguard Global ex-U.S. Real Estate ETF Exchange Traded Fund 922042676 744 19,493 SH   SOLE   19,493 0 0
Vanguard Growth Vipers Fund ETF Exchange Traded Fund 922908736 593 2,771 SH   SOLE   2,771 0 0
Vanguard Mid-Cap Index ETF Exchange Traded Fund 922908629 845 4,494 SH   SOLE   4,494 0 0
Vanguard Real Estate ETF Exchange Traded Fund 922908553 956 11,925 SH   SOLE   11,925 0 0
Vanguard Small-Cap Value ETF Exchange Traded Fund 922908611 658 4,592 SH   SOLE   4,592 0 0
Vanguard Tax-Exempt Bond Index ETF Fixed Income ETF 922907746 9,583 199,060 SH   SOLE   199,060 0 0
Vanguard Value ETF Exchange Traded Fund 922908744 1,632 13,216 SH   SOLE   13,216 0 0
Vanguard Whitehall Funds High Dividend Yield Etf Exchange Traded Fund 921946406 662 6,982 SH   SOLE   6,982 0 0
Visa Inc Common Stock 92826C839 2,283 12,851 SH   SOLE   12,851 0 0
Walt Disney Productions Common Stock 254687106 409 4,340 SH   SOLE   4,340 0 0
Walt Disney Productions Common Stock 254687106 25 270 SH   OTR   270 0 0
Waste Management Inc Common Stock 94106L109 337 2,105 SH   SOLE   2,105 0 0
Wells Fargo & Co Common Stock 949746101 2,534 63,010 SH   SOLE   63,010 0 0
Wells Fargo & Co Common Stock 949746101 66 1,650 SH   OTR   1,650 0 0
Xcel Energy Inc Common Stock 98389B100 369 5,767 SH   SOLE   5,767 0 0