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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABORATORIES Common Stock 002824100   354,292 3,227 SH   SOLE   3,227 0 0
ABBOTT LABORATORIES Common Stock 002824100   307,412 2,800 SH   OTR   2,800 0 0
ABBVIE INC COMMON Common Stock 00287Y109   481,759 2,981 SH   SOLE   2,981 0 0
ABBVIE INC COMMON Common Stock 00287Y109   420,186 2,600 SH   OTR   2,600 0 0
ACCENTURE PLC Int'l Common Stock G1151C101   292,190 1,095 SH   SOLE   1,095 0 0
ALPHABET INC CAP STOCK CL C Common Stock 02079K107   1,807,075 20,366 SH   SOLE   20,366 0 0
AMAZON COM INC Common Stock 023135106   1,269,156 15,109 SH   SOLE   15,109 0 0
AMAZON COM INC Common Stock 023135106   8,400 100 SH   OTR   100 0 0
AMERICAN EXPRESS CO Common Stock 025816109   568,985 3,851 SH   SOLE   3,851 0 0
AMPHENOL CORP Common Stock 032095101   539,452 7,085 SH   SOLE   7,085 0 0
AON PLC COM USD0.01 CL A Int'l Common Stock G0403H108   365,871 1,219 SH   SOLE   1,219 0 0
APPLE INC Common Stock 037833100   4,185,175 32,211 SH   SOLE   32,211 0 0
APPLE INC Common Stock 037833100   25,206 194 SH   OTR   194 0 0
ASTRAZENECA PLC SPONSORED ADR Int'l Common Stock 046353108   207,739 3,064 SH   SOLE   3,064 0 0
BANK OF AMERICA CORP Common Stock 060505104   506,272 15,286 SH   SOLE   15,286 0 0
BANK OF AMERICA CORP Common Stock 060505104   13,877 419 SH   OTR   419 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW Common Stock 084670702   1,355,762 4,389 SH   SOLE   4,389 0 0
BHP GROUP LTD SPONSORED ADS Int'l Common Stock 088606108   247,207 3,984 SH   SOLE   3,984 0 0
BLACKROCK INC COM Common Stock 09247X101   482,577 681 SH   SOLE   681 0 0
BROADCOM INC COM Common Stock 11135F101   605,538 1,083 SH   SOLE   1,083 0 0
CHARLES SCHWAB CORP Common Stock 808513105   640,852 7,697 SH   SOLE   7,697 0 0
CHARLES SCHWAB CORP Common Stock 808513105   833 10 SH   OTR   10 0 0
CHEVRON CORP NEW Common Stock 166764100   962,425 5,362 SH   SOLE   5,362 0 0
CHEVRON CORP NEW Common Stock 166764100   22,975 128 SH   OTR   128 0 0
CHIPOTLE MEXICAN GRILL INC Common Stock 169656105   470,359 339 SH   SOLE   339 0 0
COMMERCE BANCSHARES INC Common Stock 200525103   244,303 3,589 SH   SOLE   3,589 0 0
COMMUNICATIONS SERVICES SELECT SECTOR SPDR FUND Exchange Traded Fund 81369Y852   382,960 7,980 SH   SOLE   7,980 0 0
CONOCOPHILLIPS Common Stock 20825C104   784,464 6,648 SH   SOLE   6,648 0 0
CONSUMER DISCRETIONARY SELECT SECT SPDR Exchange Traded Fund 81369Y407   1,703,879 13,192 SH   SOLE   13,192 0 0
CONSUMER DISCRETIONARY SELECT SECT SPDR Exchange Traded Fund 81369Y407   47,143 365 SH   OTR   365 0 0
CONSUMER STAPLES SELECT SECTOR SPDR Exchange Traded Fund 81369Y308   1,309,322 17,563 SH   SOLE   17,563 0 0
CONSUMER STAPLES SELECT SECTOR SPDR Exchange Traded Fund 81369Y308   101,388 1,360 SH   OTR   1,360 0 0
COPART INC Common Stock 217204106   320,038 5,256 SH   SOLE   5,256 0 0
COPART INC Common Stock 217204106   731 12 SH   OTR   12 0 0
COSTCO WHOLESALE CORP Common Stock 22160K105   496,672 1,088 SH   SOLE   1,088 0 0
CULLEN FROST BANKERS INC Common Stock 229899109   427,573 3,198 SH   SOLE   3,198 0 0
CVS HEALTH CORP Common Stock 126650100   638,817 6,855 SH   SOLE   6,855 0 0
DANAHER CORP Common Stock 235851102   645,501 2,432 SH   SOLE   2,432 0 0
DIAGEO PLC ADR NEW Int'l Common Stock 25243Q205   308,091 1,729 SH   SOLE   1,729 0 0
DIAMONDBACK ENERGY INC Common Stock 25278X109   204,076 1,492 SH   SOLE   1,492 0 0
DIAMONDBACK ENERGY INC Common Stock 25278X109   547 4 SH   OTR   4 0 0
DISNEY WALT CO Common Stock 254687106   353,167 4,065 SH   SOLE   4,065 0 0
DISNEY WALT CO Common Stock 254687106   9,296 107 SH   OTR   107 0 0
ELEVANCE HEALTH INC Common Stock 036752103   886,925 1,729 SH   SOLE   1,729 0 0
EMCOR GROUP INC Common Stock 29084Q100   384,345 2,595 SH   SOLE   2,595 0 0
ENERGY SELECT SECTOR SPDR Exchange Traded Fund 81369Y506   504,877 5,772 SH   SOLE   5,772 0 0
ENERGY SELECT SECTOR SPDR Exchange Traded Fund 81369Y506   59,480 680 SH   OTR   680 0 0
EXXON MOBIL CORP Common Stock 30231G102   197,106 1,787 SH   SOLE   1,787 0 0
EXXON MOBIL CORP Common Stock 30231G102   198,540 1,800 SH   OTR   600 1,200 0
FINANCIAL SELECT SECTOR SPDR Exchange Traded Fund 81369Y605   2,278,130 66,612 SH   SOLE   66,612 0 0
FINANCIAL SELECT SECTOR SPDR Exchange Traded Fund 81369Y605   75,069 2,195 SH   OTR   2,195 0 0
HEALTH CARE SELECT SECTOR SPDR Exchange Traded Fund 81369Y209   2,796,744 20,587 SH   SOLE   20,587 0 0
HEALTH CARE SELECT SECTOR SPDR Exchange Traded Fund 81369Y209   150,114 1,105 SH   OTR   1,105 0 0
HOME DEPOT INC Common Stock 437076102   322,493 1,021 SH   SOLE   1,021 0 0
HOME DEPOT INC Common Stock 437076102   632 2 SH   OTR   2 0 0
IDEXX LABS INC COM Common Stock 45168D104   347,174 851 SH   SOLE   851 0 0
INDUSTRIAL SELECT SECTOR SPDR Exchange Traded Fund 81369Y704   1,546,513 15,747 SH   SOLE   15,747 0 0
INDUSTRIAL SELECT SECTOR SPDR Exchange Traded Fund 81369Y704   119,325 1,215 SH   OTR   1,215 0 0
INTERCONTINENTAL EXCHANGE INC COM Common Stock 45866F104   405,231 3,950 SH   SOLE   3,950 0 0
INTERCONTINENTAL EXCHANGE INC COM Common Stock 45866F104   103 1 SH   OTR   1 0 0
INTUIT Common Stock 461202103   355,747 914 SH   SOLE   914 0 0
INTUIT Common Stock 461202103   778 2 SH   OTR   2 0 0
INVESCO QQQ TR UNIT SER 1 Exchange Traded Fund 46090E103   665,700 2,500 SH   SOLE   2,500 0 0
ISHARES 0-5 YEAR TIPS BOND ETF Fixed Income ETF 46429B747   1,584,617 16,343 SH   SOLE   16,343 0 0
ISHARES 0-5 YEAR TIPS BOND ETF Fixed Income ETF 46429B747   11,829 122 SH   OTR   122 0 0
ISHARES CORE S&P 500 ETF Exchange Traded Fund 464287200   23,319,626 60,695 SH   SOLE   60,370 325 0
ISHARES CORE S&P 500 ETF Exchange Traded Fund 464287200   1,995,203 5,193 SH   OTR   4,331 862 0
ISHARES CORE S&P MID-CAP ETF Exchange Traded Fund 464287507   7,275,567 30,078 SH   SOLE   29,757 321 0
ISHARES CORE S&P MID-CAP ETF Exchange Traded Fund 464287507   652,377 2,697 SH   OTR   2,064 633 0
ISHARES CORE S&P SMALL-CAP ETF Exchange Traded Fund 464287804   6,439,400 68,041 SH   SOLE   66,856 1,185 0
ISHARES CORE S&P SMALL-CAP ETF Exchange Traded Fund 464287804   802,642 8,481 SH   OTR   6,647 1,834 0
ISHARES CORE S&P US GROWTH ETF Exchange Traded Fund 464287671   1,030,902 12,646 SH   SOLE   12,646 0 0
iSHARES CORE S&P US VALUE ETF Exchange Traded Fund 464287663   1,398,262 19,797 SH   SOLE   19,797 0 0
ISHARES DOW JONES INTERNATIONAL SELECT Exchange Traded Fund 464288448   391,023 14,397 SH   SOLE   14,397 0 0
ISHARES DOW JONES INTERNATIONAL SELECT Exchange Traded Fund 464288448   291,753 10,742 SH   OTR   10,742 0 0
iSHARES MSCI ACWI EX US ETF Exchange Traded Fund 464288240   339,294 7,457 SH   SOLE   7,457 0 0
ISHARES RUSSELL 1000 GROWTH INDEX FUND Exchange Traded Fund 464287614   1,095,409 5,113 SH   SOLE   5,113 0 0
JOHNSON & JOHNSON Common Stock 478160104   1,125,084 6,369 SH   SOLE   6,369 0 0
JOHNSON & JOHNSON Common Stock 478160104   154,215 873 SH   OTR   389 484 0
JPMORGAN CHASE & CO Common Stock 46625H100   958,681 7,149 SH   SOLE   7,149 0 0
KBR INC Common Stock 48242W106   495,317 9,381 SH   SOLE   9,381 0 0
KEYSIGHT TECHNOLOGIES INC Common Stock 49338L103   389,355 2,276 SH   SOLE   2,276 0 0
KROGER (THE) CO Common Stock 501044101   1,510,593 33,885 SH   SOLE   33,885 0 0
LILLY (ELI) & CO Common Stock 532457108   466,080 1,274 SH   SOLE   1,274 0 0
LINDE PLC COM Int'l Common Stock G5494J103   231,914 711 SH   SOLE   711 0 0
LULULEMON ATHLETICA INC Common Stock 550021109   241,246 753 SH   SOLE   753 0 0
MARTIN MARIETTA MATERIALS INC Common Stock 573284106   320,734 949 SH   SOLE   949 0 0
MASTERCARD INC Common Stock 57636Q104   577,580 1,661 SH   SOLE   1,661 0 0
MATERIALS SELECT SECTOR SPDR Exchange Traded Fund 81369Y100   406,422 5,232 SH   SOLE   5,232 0 0
MATERIALS SELECT SECTOR SPDR Exchange Traded Fund 81369Y100   25,634 330 SH   OTR   330 0 0
METTLER TOLEDO INTERNATIONAL INC Common Stock 592688105   773,316 535 SH   SOLE   535 0 0
MICROSOFT CORP Common Stock 594918104   3,227,258 13,457 SH   SOLE   13,457 0 0
MICROSOFT CORP Common Stock 594918104   138,376 577 SH   OTR   577 0 0
MONSTER BEVERAGE CORP NEW Common Stock 61174X109   336,572 3,315 SH   SOLE   3,315 0 0
MONSTER BEVERAGE CORP NEW Common Stock 61174X109   812 8 SH   OTR   8 0 0
MYR GROUP INC Common Stock 55405W104   396,822 4,310 SH   SOLE   4,310 0 0
NEXTERA ENERGY INC Common Stock 65339F101   628,839 7,522 SH   SOLE   7,522 0 0
NICE SYSTEMS LTD Int'l Common Stock 653656108   233,645 1,215 SH   SOLE   1,215 0 0
NIKE INC CL B Common Stock 654106103   564,573 4,825 SH   SOLE   4,825 0 0
NOVO-NORDISK SPONS ADR Int'l Common Stock 670100205   388,290 2,869 SH   SOLE   2,869 0 0
NV5 GLOBAL INC COM Common Stock 62945V109   429,246 3,244 SH   SOLE   3,244 0 0
NVIDIA CORP Common Stock 67066G104   1,056,592 7,230 SH   SOLE   7,230 0 0
OCCIDENTAL PETROLEUM CORP Common Stock 674599105   646,655 10,266 SH   SOLE   10,266 0 0
OLD DOMINION FREIGHT LINE INC Common Stock 679580100   215,957 761 SH   SOLE   761 0 0
ON HLDG AG NAMEN AKT A Int'l Common Stock H5919C104   194,732 11,348 SH   SOLE   11,348 0 0
ON SEMICONDUCTOR CORP COM Common Stock 682189105   223,971 3,591 SH   SOLE   3,591 0 0
ON SEMICONDUCTOR CORP COM Common Stock 682189105   437 7 SH   OTR   7 0 0
O'REILLY AUTOMOTIVE INC Common Stock 67103H107   585,757 694 SH   SOLE   694 0 0
PAYCOM SOFTWARE INC Common Stock 70432V102   256,937 828 SH   SOLE   828 0 0
PAYCOM SOFTWARE INC Common Stock 70432V102   621 2 SH   OTR   2 0 0
PEPSICO INC Common Stock 713448108   619,122 3,427 SH   SOLE   3,427 0 0
PEPSICO INC Common Stock 713448108   14,995 83 SH   OTR   83 0 0
PROCTER & GAMBLE CO Common Stock 742718109   166,564 1,099 SH   SOLE   1,099 0 0
PROCTER & GAMBLE CO Common Stock 742718109   160,199 1,057 SH   OTR   1,057 0 0
QUALCOMM INC Common Stock 747525103   457,460 4,161 SH   SOLE   4,161 0 0
QUALCOMM INC Common Stock 747525103   880 8 SH   OTR   8 0 0
ROSS STORES INC Common Stock 778296103   416,111 3,585 SH   SOLE   3,585 0 0
S&P GLOBAL INC COM Common Stock 78409V104   556,335 1,661 SH   SOLE   1,661 0 0
S&P GLOBAL INC COM Common Stock 78409V104   1,005 3 SH   OTR   3 0 0
SELECT SECTOR SPDR TR RL EST SEL SEC Exchange Traded Fund 81369Y860   302,050 8,179 SH   SOLE   8,179 0 0
SELECT SECTOR SPDR TR RL EST SEL SEC Exchange Traded Fund 81369Y860   11,264 305 SH   OTR   305 0 0
SHELL PLC Int'l Common Stock 780259305   306,790 5,387 SH   SOLE   5,387 0 0
SPDR GOLD TR GOLD SHS Exchange Traded Fund 78463V107   214,595 1,265 SH   SOLE   1,265 0 0
SYSCO CORP Common Stock 871829107   473,073 6,188 SH   SOLE   6,188 0 0
T MOBILE US INC Common Stock 872590104   538,440 3,846 SH   SOLE   3,846 0 0
TARGET CORP Common Stock 87612E106   560,987 3,764 SH   SOLE   3,764 0 0
TECHNOLOGY SELECT SECTOR SPDR Exchange Traded Fund 81369Y803   5,014,434 40,296 SH   SOLE   40,296 0 0
TECHNOLOGY SELECT SECTOR SPDR Exchange Traded Fund 81369Y803   321,055 2,580 SH   OTR   2,580 0 0
TESLA INC Common Stock 88160R101   367,692 2,985 SH   SOLE   2,985 0 0
TESLA INC Common Stock 88160R101   370 3 SH   OTR   3 0 0
THE HERSHEY COMPANY Common Stock 427866108   367,270 1,586 SH   SOLE   1,586 0 0
THERMO FISHER SCIENTIFIC INC Common Stock 883556102   1,219,778 2,215 SH   SOLE   2,215 0 0
UBS GROUP AG Int'l Common Stock H42097107   247,228 13,242 SH   SOLE   13,242 0 0
ULTA BEAUTY INC Common Stock 90384S303   530,049 1,130 SH   SOLE   1,130 0 0
ULTA BEAUTY INC Common Stock 90384S303   938 2 SH   OTR   2 0 0
UNITEDHEALTH GROUP INC Common Stock 91324P102   850,409 1,604 SH   SOLE   1,604 0 0
UNITEDHEALTH GROUP INC Common Stock 91324P102   23,858 45 SH   OTR   45 0 0
UTILITIES SELECT SECTOR SPDR Exchange Traded Fund 81369Y886   477,849 6,778 SH   SOLE   6,778 0 0
UTILITIES SELECT SECTOR SPDR Exchange Traded Fund 81369Y886   100,110 1,420 SH   OTR   250 1,170 0
VANGUARD REAL ESTATE ETF Exchange Traded Fund 922908553   564,163 6,840 SH   SOLE   6,840 0 0
VERTEX PHARMACEUTICALS INC Common Stock 92532F100   481,107 1,666 SH   SOLE   1,666 0 0
VERTEX PHARMACEUTICALS INC Common Stock 92532F100   866 3 SH   OTR   3 0 0
VISA INC CL A Common Stock 92826C839   928,687 4,470 SH   SOLE   4,470 0 0
VISA INC CL A Common Stock 92826C839   12,466 60 SH   OTR   60 0 0
VISTRA CORP Common Stock 92840M102   516,130 22,247 SH   SOLE   22,247 0 0
WALMART INC Common Stock 931142103   931,419 6,569 SH   SOLE   4,869 1,700 0
WALMART INC Common Stock 931142103   28,358 200 SH   OTR   200 0 0
WASTE MANAGEMENT INC DEL Common Stock 94106L109   564,454 3,598 SH   SOLE   3,598 0 0
WELLS FARGO & CO NEW Common Stock 949746101   234,032 5,668 SH   OTR   5,668 0 0
WOODSIDE ENERGY GROUP LTD Int'l Common Stock 980228308   215,614 8,906 SH   SOLE   8,906 0 0