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 449 3,793 SH   SOLE   3,793 0 0
ABBOTT LABORATORIES Common Stock 002824100 331 2,800 SH   OTR   2,800 0 0
ABBVIE INC COMMON Common Stock 00287Y109 454 2,800 SH   SOLE   2,800 0 0
ABBVIE INC COMMON Common Stock 00287Y109 421 2,600 SH   OTR   2,600 0 0
ACCENTURE PLC Int'l Common Stock G1151C101 360 1,068 SH   SOLE   1,068 0 0
ADOBE SYSTEMS INC Common Stock 00724F101 786 1,726 SH   SOLE   1,726 0 0
ADOBE SYSTEMS INC Common Stock 00724F101 40 87 SH   OTR   87 0 0
ALPHABET INC CAP STOCK CL C Common Stock 02079K107 3,181 1,139 SH   SOLE   1,139 0 0
AMAZON COM INC Common Stock 023135106 2,810 862 SH   SOLE   862 0 0
AMAZON COM INC Common Stock 023135106 16 5 SH   OTR   5 0 0
AMERICAN EXPRESS CO Common Stock 025816109 653 3,494 SH   SOLE   3,494 0 0
AMPHENOL CORP Common Stock 032095101 392 5,205 SH   SOLE   5,205 0 0
ANTHEM INC COM Common Stock 036752103 728 1,482 SH   SOLE   1,482 0 0
AON PLC COM USD0.01 CL A Int'l Common Stock G0403H108 385 1,182 SH   SOLE   1,182 0 0
APPLE INC Common Stock 037833100 5,493 31,459 SH   SOLE   31,459 0 0
APPLE INC Common Stock 037833100 425 2,434 SH   OTR   2,434 0 0
BANK OF AMERICA CORP Common Stock 060505104 671 16,288 SH   SOLE   16,288 0 0
BANK OF AMERICA CORP Common Stock 060505104 33 805 SH   OTR   805 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW Common Stock 084670702 1,213 3,438 SH   SOLE   3,438 0 0
BHP GROUP LTD SPONSORED ADS Int'l Common Stock 088606108 296 3,838 SH   SOLE   3,838 0 0
BLACKROCK INC COM Common Stock 09247X101 485 635 SH   SOLE   635 0 0
BROADCOM INC COM Common Stock 11135F101 632 1,004 SH   SOLE   1,004 0 0
CANADIAN IMPERIAL BANK OF COMMERCE Int'l Common Stock 136069101 213 1,747 SH   SOLE   1,747 0 0
CANADIAN NATIONAL RAILWAY CO Int'l Common Stock 136375102 208 1,548 SH   SOLE   1,548 0 0
CATERPILLAR INC Common Stock 149123101 496 2,225 SH   SOLE   2,225 0 0
CATERPILLAR INC Common Stock 149123101 60 271 SH   OTR   271 0 0
CHARLES SCHWAB CORP Common Stock 808513105 630 7,473 SH   SOLE   7,473 0 0
CHARTER COMMUNICATIONS INC NEW CL A Common Stock 16119P108 428 784 SH   SOLE   784 0 0
CHARTER COMMUNICATIONS INC NEW CL A Common Stock 16119P108 2 3 SH   OTR   3 0 0
CHEVRON CORP NEW Common Stock 166764100 800 4,915 SH   SOLE   4,915 0 0
CHEVRON CORP NEW Common Stock 166764100 21 128 SH   OTR   128 0 0
CISCO SYSTEMS INC Common Stock 17275R102 679 12,180 SH   SOLE   12,180 0 0
COMCAST CORP NEW CL A Common Stock 20030N101 265 5,670 SH   SOLE   5,670 0 0
COMMERCE BANCSHARES INC Common Stock 200525103 245 3,418 SH   SOLE   3,418 0 0
COMMUNICATIONS SERVICES SELECT SECTOR SPDR FUND Exchange Traded Fund 81369Y852 535 7,780 SH   SOLE   7,780 0 0
CONOCOPHILLIPS Common Stock 20825C104 642 6,420 SH   SOLE   6,420 0 0
CONSUMER DISCRETIONARY SELECT SECT SPDR Exchange Traded Fund 81369Y407 2,557 13,823 SH   SOLE   13,823 0 0
CONSUMER DISCRETIONARY SELECT SECT SPDR Exchange Traded Fund 81369Y407 68 365 SH   OTR   365 0 0
CONSUMER STAPLES SELECT SECTOR SPDR Exchange Traded Fund 81369Y308 1,370 18,059 SH   SOLE   18,059 0 0
CONSUMER STAPLES SELECT SECTOR SPDR Exchange Traded Fund 81369Y308 103 1,360 SH   OTR   1,360 0 0
COSTCO WHOLESALE CORP Common Stock 22160K105 885 1,536 SH   SOLE   1,536 0 0
CVS HEALTH CORP Common Stock 126650100 627 6,193 SH   SOLE   6,193 0 0
DANAHER CORP Common Stock 235851102 650 2,216 SH   SOLE   2,216 0 0
DIAGEO PLC ADR NEW Int'l Common Stock 25243Q205 343 1,688 SH   SOLE   1,688 0 0
DISNEY WALT CO Common Stock 254687106 743 5,420 SH   SOLE   5,420 0 0
DISNEY WALT CO Common Stock 254687106 25 180 SH   OTR   180 0 0
DUPONT DE NEMOURS INC COM Common Stock 26614N102 510 6,925 SH   SOLE   6,925 0 0
EMCOR GROUP INC Common Stock 29084Q100 550 4,882 SH   SOLE   4,882 0 0
ENERGY SELECT SECTOR SPDR Exchange Traded Fund 81369Y506 464 6,074 SH   SOLE   6,074 0 0
ENERGY SELECT SECTOR SPDR Exchange Traded Fund 81369Y506 52 680 SH   OTR   680 0 0
EXXON MOBIL CORP Common Stock 30231G102 234 2,837 SH   SOLE   2,837 0 0
EXXON MOBIL CORP Common Stock 30231G102 149 1,800 SH   OTR   600 1,200 0
FINANCIAL SELECT SECTOR SPDR Exchange Traded Fund 81369Y605 2,630 68,639 SH   SOLE   68,639 0 0
FINANCIAL SELECT SECTOR SPDR Exchange Traded Fund 81369Y605 84 2,195 SH   OTR   2,195 0 0
FORTINET INC COM Common Stock 34959E109 239 700 SH   SOLE   700 0 0
HEALTH CARE SELECT SECTOR SPDR Exchange Traded Fund 81369Y209 2,906 21,215 SH   SOLE   21,215 0 0
HEALTH CARE SELECT SECTOR SPDR Exchange Traded Fund 81369Y209 151 1,105 SH   OTR   1,105 0 0
HOME DEPOT INC Common Stock 437076102 531 1,774 SH   SOLE   1,774 0 0
ICON PLC SHS Int'l Common Stock G4705A100 215 885 SH   SOLE   885 0 0
IDEXX LABS INC COM Common Stock 45168D104 615 1,124 SH   SOLE   1,124 0 0
INDUSTRIAL SELECT SECTOR SPDR Exchange Traded Fund 81369Y704 1,669 16,207 SH   SOLE   16,207 0 0
INDUSTRIAL SELECT SECTOR SPDR Exchange Traded Fund 81369Y704 125 1,215 SH   OTR   1,215 0 0
INTERCONTINENTAL EXCHANGE INC COM Common Stock 45866F104 316 2,389 SH   SOLE   2,389 0 0
INTUITIVE SURGICAL INC Common Stock 46120E602 324 1,075 SH   SOLE   1,075 0 0
INTUITIVE SURGICAL INC Common Stock 46120E602 54 180 SH   OTR   180 0 0
INVESCO QQQ TR UNIT SER 1 Exchange Traded Fund 46090E103 906 2,500 SH   SOLE   2,500 0 0
ISHARES 0-5 YEAR TIPS BOND ETF Fixed Income ETF 46429B747 2,903 27,663 SH   SOLE   27,663 0 0
ISHARES CORE S&P 500 ETF Exchange Traded Fund 464287200 36,992 81,536 SH   SOLE   81,211 325 0
ISHARES CORE S&P 500 ETF Exchange Traded Fund 464287200 5,678 12,516 SH   OTR   10,344 2,172 0
ISHARES CORE S&P MID-CAP ETF Exchange Traded Fund 464287507 12,659 47,174 SH   SOLE   46,853 321 0
ISHARES CORE S&P MID-CAP ETF Exchange Traded Fund 464287507 1,593 5,935 SH   OTR   5,013 922 0
ISHARES CORE S&P SMALL-CAP ETF Exchange Traded Fund 464287804 14,590 135,241 SH   SOLE   133,997 1,244 0
ISHARES CORE S&P SMALL-CAP ETF Exchange Traded Fund 464287804 1,656 15,348 SH   OTR   12,801 2,547 0
ISHARES CORE S&P US GROWTH ETF Exchange Traded Fund 464287671 1,223 11,577 SH   SOLE   11,577 0 0
iSHARES CORE S&P US VALUE ETF Exchange Traded Fund 464287663 1,091 14,386 SH   SOLE   14,386 0 0
ISHARES DOW JONES INTERNATIONAL SELECT Exchange Traded Fund 464288448 4,415 139,006 SH   SOLE   139,006 0 0
ISHARES DOW JONES INTERNATIONAL SELECT Exchange Traded Fund 464288448 784 24,671 SH   OTR   24,671 0 0
ISHARES INVEST GRADE CORP BOND Fixed Income ETF 464287242 288 2,381 SH   SOLE   2,381 0 0
ISHARES INVEST GRADE CORP BOND Fixed Income ETF 464287242 384 3,172 SH   OTR   2,104 1,068 0
iSHARES MSCI ACWI EX US ETF Exchange Traded Fund 464288240 414 7,921 SH   SOLE   7,921 0 0
ISHARES MSCI EAFE INDEX ETF Exchange Traded Fund 464287465 177 2,410 SH   SOLE   2,410 0 0
ISHARES MSCI EAFE INDEX ETF Exchange Traded Fund 464287465 38 519 SH   OTR   269 250 0
ISHARES MSCI EMERGING MARKETS MIN VOL FACTOR ETF Exchange Traded Fund 464286533 1,473 24,143 SH   SOLE   24,143 0 0
ISHARES MSCI EMERGING MARKETS MIN VOL FACTOR ETF Exchange Traded Fund 464286533 227 3,720 SH   OTR   3,720 0 0
ISHARES RUSSELL 1000 GROWTH INDEX FUND Exchange Traded Fund 464287614 333 1,201 SH   SOLE   1,201 0 0
ISHARES TR S&P MC 400GR ETF Exchange Traded Fund 464287606 220 2,852 SH   SOLE   2,852 0 0
JOHNSON & JOHNSON Common Stock 478160104 471 2,656 SH   SOLE   2,656 0 0
JOHNSON & JOHNSON Common Stock 478160104 176 993 SH   OTR   509 484 0
JPMORGAN CHASE & CO Common Stock 46625H100 921 6,759 SH   SOLE   6,759 0 0
KBR INC Common Stock 48242W106 779 14,235 SH   SOLE   14,235 0 0
KEYSIGHT TECHNOLOGIES INC Common Stock 49338L103 333 2,111 SH   SOLE   2,111 0 0
KROGER (THE) CO Common Stock 501044101 1,984 34,590 SH   SOLE   34,590 0 0
LAM RESEARCH CORP Common Stock 512807108 336 625 SH   SOLE   625 0 0
LILLY (ELI) & CO Common Stock 532457108 347 1,211 SH   SOLE   1,211 0 0
LINDE PLC COM Int'l Common Stock G5494J103 217 680 SH   SOLE   680 0 0
MARTIN MARIETTA MATERIALS INC Common Stock 573284106 327 850 SH   SOLE   850 0 0
MASTERCARD INC Common Stock 57636Q104 540 1,510 SH   SOLE   1,510 0 0
MATERIALS SELECT SECTOR SPDR Exchange Traded Fund 81369Y100 476 5,399 SH   SOLE   5,399 0 0
MATERIALS SELECT SECTOR SPDR Exchange Traded Fund 81369Y100 29 330 SH   OTR   330 0 0
META PLATFORMS INC Common Stock 30303M102 923 4,151 SH   SOLE   4,151 0 0
METTLER TOLEDO INTERNATIONAL INC Common Stock 592688105 680 495 SH   SOLE   495 0 0
MICROSOFT CORP Common Stock 594918104 4,035 13,087 SH   SOLE   13,087 0 0
MICROSOFT CORP Common Stock 594918104 175 566 SH   OTR   566 0 0
MYR GROUP INC Common Stock 55405W104 368 3,911 SH   SOLE   3,911 0 0
NETFLIX INC Common Stock 64110L106 306 818 SH   SOLE   818 0 0
NETFLIX INC Common Stock 64110L106 7 20 SH   OTR   20 0 0
NEXTERA ENERGY INC Common Stock 65339F101 456 5,382 SH   SOLE   5,382 0 0
NICE SYSTEMS LTD Int'l Common Stock 653656108 272 1,243 SH   SOLE   1,243 0 0
NIKE INC CL B Common Stock 654106103 638 4,743 SH   SOLE   4,743 0 0
NOVO-NORDISK SPONS ADR Int'l Common Stock 670100205 308 2,778 SH   SOLE   2,778 0 0
NV5 GLOBAL INC COM Common Stock 62945V109 401 3,006 SH   SOLE   3,006 0 0
NVIDIA CORP Common Stock 67066G104 1,562 5,724 SH   SOLE   5,724 0 0
OCCIDENTAL PETROLEUM CORP Common Stock 674599105 537 9,470 SH   SOLE   9,470 0 0
PEPSICO INC Common Stock 713448108 490 2,930 SH   SOLE   2,930 0 0
PEPSICO INC Common Stock 713448108 82 488 SH   OTR   488 0 0
PROCTER & GAMBLE CO Common Stock 742718109 168 1,099 SH   SOLE   1,099 0 0
PROCTER & GAMBLE CO Common Stock 742718109 192 1,254 SH   OTR   1,254 0 0
QUALCOMM INC Common Stock 747525103 591 3,869 SH   SOLE   3,869 0 0
REGAL REXNORD CORPORATION Common Stock 758750103 352 2,368 SH   SOLE   2,368 0 0
ROYAL CARIBBEAN CRUISES LTD Int'l Common Stock V7780T103 442 5,274 SH   SOLE   5,274 0 0
S&P GLOBAL INC COM Common Stock 78409V104 443 1,080 SH   SOLE   1,080 0 0
SELECT SECTOR SPDR TR RL EST SEL SEC Exchange Traded Fund 81369Y860 408 8,442 SH   SOLE   8,442 0 0
SELECT SECTOR SPDR TR RL EST SEL SEC Exchange Traded Fund 81369Y860 15 305 SH   OTR   305 0 0
SHELL PLC Int'l Common Stock 780259305 253 4,600 SH   SOLE   4,600 0 0
SPDR GOLD TR GOLD SHS Exchange Traded Fund 78463V107 210 1,165 SH   SOLE   1,165 0 0
SYSCO CORP Common Stock 871829107 456 5,588 SH   SOLE   5,588 0 0
TAIWAN SEMICONDUCTOR MANUFACTURING CO Int'l Common Stock 874039100 276 2,647 SH   SOLE   2,647 0 0
TARGET CORP Common Stock 87612E106 727 3,428 SH   SOLE   3,428 0 0
TECHNOLOGY SELECT SECTOR SPDR Exchange Traded Fund 81369Y803 6,752 42,484 SH   SOLE   42,484 0 0
TECHNOLOGY SELECT SECTOR SPDR Exchange Traded Fund 81369Y803 410 2,580 SH   OTR   2,580 0 0
TESLA INC Common Stock 88160R101 1,077 999 SH   SOLE   999 0 0
THERMO FISHER SCIENTIFIC INC Common Stock 883556102 1,249 2,115 SH   SOLE   2,115 0 0
UBER TECHNOLOGIES INC Common Stock 90353T100 248 6,959 SH   SOLE   6,959 0 0
UBS GROUP AG Int'l Common Stock H42097107 250 12,777 SH   SOLE   12,777 0 0
ULTA BEAUTY INC Common Stock 90384S303 420 1,055 SH   SOLE   1,055 0 0
UNION PACIFIC CORP Common Stock 907818108 721 2,639 SH   SOLE   2,639 0 0
UNITEDHEALTH GROUP INC Common Stock 91324P102 518 1,015 SH   SOLE   1,015 0 0
UNITEDHEALTH GROUP INC Common Stock 91324P102 22 43 SH   OTR   43 0 0
UTILITIES SELECT SECTOR SPDR Exchange Traded Fund 81369Y886 517 6,950 SH   SOLE   6,950 0 0
UTILITIES SELECT SECTOR SPDR Exchange Traded Fund 81369Y886 106 1,420 SH   OTR   250 1,170 0
VALE SA Int'l Common Stock 91912E105 207 10,371 SH   SOLE   10,371 0 0
VANGUARD REAL ESTATE ETF Exchange Traded Fund 922908553 741 6,840 SH   SOLE   6,840 0 0
VISA INC CL A Common Stock 92826C839 979 4,416 SH   SOLE   4,416 0 0
VISA INC CL A Common Stock 92826C839 12 56 SH   OTR   56 0 0
WALMART INC Common Stock 931142103 1,173 7,877 SH   SOLE   6,177 1,700 0
WALMART INC Common Stock 931142103 30 200 SH   OTR   200 0 0
WASTE MANAGEMENT INC DEL Common Stock 94106L109 505 3,183 SH   SOLE   3,183 0 0
WELLS FARGO & CO NEW Common Stock 949746101 275 5,668 SH   OTR   5,668 0 0