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
3M COMPANY Equities 88579Y101 200 1,812 SH   SOLE 0 1,812 0 0
ABBOTT LABS Equities 002824100 2,296 23,727 SH   SOLE 0 23,667 60 0
ABBVIE INC. Equities 00287Y109 1,201 8,950 SH   SOLE 0 8,900 50 0
ACCENTURE PLC Equities G1151C101 1,358 5,279 SH   SOLE 0 5,279 0 0
ADOBE SYSTEMS, INC. Equities 00724F101 1,856 6,743 SH   SOLE 0 6,728 15 0
AIR PRODUCTS AND CHEMICALS Equities 009158106 264 1,136 SH   SOLE 0 1,116 20 0
ALBEMARLE CORPORATION Equities 012653101 1,335 5,050 SH   SOLE 0 5,015 35 0
ALLSTATE CORP Equities 020002101 634 5,088 SH   SOLE 0 5,088 0 0
ALPHABET INC CL A Equities 02079K305 3,637 38,022 SH   SOLE 0 37,962 60 0
ALPHABET INC CL C Equities 02079K107 470 4,890 SH   SOLE 0 4,890 0 0
AMAZON.COM INC Equities 023135106 2,230 19,733 SH   SOLE 0 19,693 40 0
AMERICAN EXPRESS CO Equities 025816109 2,323 17,221 SH   SOLE 0 17,161 60 0
AMERICAN WATER WORKS Equities 030420103 996 7,649 SH   SOLE 0 7,629 20 0
AMERISOURCEBERGEN Equities 03073E105 408 3,017 SH   SOLE 0 3,017 0 0
ANALOG DEVICES Equities 032654105 2,119 15,210 SH   SOLE 0 15,170 40 0
APPLE COMPUTER INC Equities 037833100 7,392 53,487 SH   SOLE 0 53,407 80 0
APPLIED INDUSTRIAL Equities 03820C105 206 2,000 SH   SOLE 0 2,000 0 0
BECTON DICKINSON AND CO Equities 075887109 1,025 4,599 SH   SOLE 0 4,599 0 0
BRISTOL-MYERS SQUIBB Equities 110122108 522 7,336 SH   SOLE 0 7,336 0 0
CHEVRON CORPORATION Equities 166764100 6 40 SH   DFND 0 40 0 0
CHEVRON CORPORATION Equities 166764100 2,547 17,728 SH   SOLE 0 17,683 45 0
COCA COLA CO Equities 191216100 240 4,286 SH   SOLE 0 4,286 0 0
COMCAST CORP CL A Equities 20030N101 1,308 44,612 SH   SOLE 0 44,487 125 0
CONAGRA FOODS INC Equities 205887102 236 7,222 SH   SOLE 0 7,222 0 0
CONOCOPHILLIPS Equities 20825C104 535 5,225 SH   SOLE 0 5,225 0 0
COSTCO WHOLESALE Equities 22160K105 4,674 9,897 SH   SOLE 0 9,879 18 0
CUMMINS Equities 231021106 1,520 7,471 SH   SOLE 0 7,443 28 0
CVS HEALTH CORP Equities 126650100 371 3,892 SH   SOLE 0 3,892 0 0
DANAHER CORP Equities 235851102 2,307 8,931 SH   SOLE 0 8,906 25 0
DOLLAR GENERAL CORP Equities 256677105 1,308 5,453 SH   SOLE 0 5,418 35 0
ELECTRONIC ARTS INC. Equities 285512109 763 6,594 SH   SOLE 0 6,594 0 0
ENERGY SELECT SECTOR SPDR Equities 81369Y506 931 12,930 SH   SOLE 0 12,930 0 0
EOG RESOURCES INC Equities 26875P101 684 6,120 SH   SOLE 0 6,060 60 0
EVEREST RE GROUP LTD Equities G3223R108 557 2,121 SH   SOLE 0 2,121 0 0
EXXON MOBIL CORP. Equities 30231G102 707 8,094 SH   SOLE 0 8,094 0 0
FIRSTENERGY CORP Equities 337932107 391 10,560 SH   SOLE 0 10,560 0 0
FISERV INC Equities 337738108 544 5,809 SH   SOLE 0 5,809 0 0
GENERAL DYNAMICS Equities 369550108 889 4,192 SH   SOLE 0 4,162 30 0
GENERAL MILLS INC Equities 370334104 288 3,755 SH   SOLE 0 3,755 0 0
HOME DEPOT Equities 437076102 3,443 12,478 SH   SOLE 0 12,458 20 0
HONEYWELL INTERNATIONAL INC. Equities 438516106 253 1,515 SH   SOLE 0 1,515 0 0
INTERCONTINENTAL EXCHANGE Equities 45866F104 1,209 13,385 SH   SOLE 0 13,385 0 0
INTERNATIONAL BUSINESS MACHINES Equities 459200101 276 2,320 SH   SOLE 0 2,320 0 0
IQ MERGER ARBITRAGE ETF Equities 45409B800 313 10,000 SH   SOLE 0 10,000 0 0
ISHARES MSCI EM MKTS Equities 464287234 786 22,537 SH   SOLE 0 22,537 0 0
ISHARES: COHEN & STEERS REIT Equities 464287564 5,733 106,834 SH   SOLE 0 106,598 200 36
ISHARES: COHEN & STEERS REIT Equities 464287564 4 70 SH   DFND 0 70 0 0
ISHARES: MSCI EAFE INDEX FUND Equities 464287465 15 260 SH   DFND 0 130 0 130
ISHARES: MSCI EAFE INDEX FUND Equities 464287465 7,858 140,300 SH   SOLE 0 139,905 225 170
ISHARES: MSCI EAFE SMALL CAP Equities 464288273 5,301 108,666 SH   SOLE 0 108,430 125 111
ISHARES: MSCI EAFE SMALL CAP Equities 464288273 5 110 SH   DFND 0 40 0 70
ISHARES: RUSSELL 1000 GROWTH Equities 464287614 292 1,390 SH   SOLE 0 1,390 0 0
ISHARES: S&P 500 GROWTH INDEX Equities 464287309 1,537 26,575 SH   SOLE 0 26,575 0 0
ISHARES: S&P 500 INDEX Equities 464287200 328 915 SH   DFND 0 680 0 235
ISHARES: S&P 500 INDEX Equities 464287200 36,601 102,053 SH   SOLE 0 101,727 0 326
ISHARES: S&P 500 VALUE INDEX Equities 464287408 10,118 78,724 SH   SOLE 0 78,595 0 129
ISHARES: S&P 500 VALUE INDEX Equities 464287408 92 715 SH   DFND 0 615 0 100
ISHARES: S&P MID CAP VALUE INDE Equities 464287705 3,168 35,199 SH   SOLE 0 35,105 30 64
ISHARES: S&P MID CAP VALUE INDE Equities 464287705 19 210 SH   DFND 0 165 0 45
ISHARES: S&P MIDCAP 400 INDEX Equities 464287507 33,775 154,042 SH   SOLE 0 153,933 0 109
ISHARES: S&P MIDCAP 400 INDEX Equities 464287507 90 410 SH   DFND 0 335 0 75
ISHARES: S&P MIDCAP GROWTH Equities 464287606 1,877 29,777 SH   SOLE 0 29,277 500 0
ISHARES: S&P SMALLCAP 600 INDEX Equities 464287804 19,705 225,998 SH   SOLE 0 225,584 225 189
ISHARES: S&P SMALLCAP 600 INDEX Equities 464287804 52 595 SH   DFND 0 460 0 135
ISHARES: US PFD STOCK INDEX Equities 464288687 3 90 SH   DFND 0 0 0 90
ISHARES: US PFD STOCK INDEX Equities 464288687 2,041 64,460 SH   SOLE 0 64,272 0 188
JOHNSON & JOHNSON Equities 478160104 748 4,581 SH   SOLE 0 4,581 0 0
JOHNSON & JOHNSON Equities 478160104 9 55 SH   DFND 0 55 0 0
JP MORGAN CHASE & CO. Equities 46625H100 2,591 24,792 SH   SOLE 0 24,742 50 0
JP MORGAN CHASE & CO. Equities 46625H100 7 65 SH   DFND 0 65 0 0
KINDER MORGAN INC Equities 49456B101 541 32,490 SH   SOLE 0 32,295 195 0
KLA CORP Equities 482480100 1,835 6,062 SH   SOLE 0 6,040 22 0
LAM RESEARCH CORP Equities 512807108 1,047 2,860 SH   SOLE 0 2,850 10 0
LOWES COMPANIES INC. Equities 548661107 490 2,610 SH   SOLE 0 2,610 0 0
M&T BANK CORPORATION Equities 55261F104 910 5,159 SH   SOLE 0 5,139 20 0
MCDONALDS CORP Equities 580135101 318 1,378 SH   SOLE 0 1,378 0 0
MCKESSON HBOC INC. Equities 58155Q103 797 2,344 SH   SOLE 0 2,344 0 0
MEDTRONIC PLC Equities G5960L103 709 8,785 SH   SOLE 0 8,750 35 0
MERCK Equities 58933Y105 277 3,220 SH   SOLE 0 3,220 0 0
META PLATFORMS INC Equities 30303M102 660 4,863 SH   SOLE 0 4,841 22 0
MICRON TECHNOLOGY INC Equities 595112103 921 18,381 SH   SOLE 0 18,291 90 0
MICROSOFT CORP. Equities 594918104 4,921 21,128 SH   SOLE 0 21,098 30 0
MONSTER BEVERAGE.COM Equities 61174X109 209 2,400 SH   SOLE 0 2,400 0 0
MORNINGSTAR INC Equities 617700109 1,324 6,237 SH   SOLE 0 6,207 30 0
NEXTERA ENERGY, INC. Equities 65339F101 1,655 21,107 SH   SOLE 0 21,062 45 0
NIKE INC. Equities 654106103 476 5,732 SH   SOLE 0 5,732 0 0
NORTHROP GRUMMAN Equities 666807102 676 1,437 SH   SOLE 0 1,437 0 0
ORACLE CORP Equities 68389X105 522 8,550 SH   SOLE 0 8,550 0 0
PACKAGING CORP OF AMERICA Equities 695156109 244 2,177 SH   SOLE 0 2,177 0 0
PARKER HANNIFIN CORP Equities 701094104 2,198 9,072 SH   SOLE 0 9,050 22 0
PEPSICO INC Equities 713448108 433 2,655 SH   SOLE 0 2,655 0 0
PFIZER INC Equities 717081103 356 8,129 SH   SOLE 0 8,129 0 0
PIMCO 1-5 YEAR US TIPS INDEX ET Equities 72201R205 247 5,000 SH   SOLE 0 5,000 0 0
PPG IND INC Equities 693506107 852 7,697 SH   SOLE 0 7,697 0 0
PROGRESSIVE CORP Equities 743315103 1,419 12,212 SH   SOLE 0 12,137 75 0
QUALCOMM INC. Equities 747525103 1,547 13,690 SH   SOLE 0 13,630 60 0
S&P GLOBAL Equities 78409V104 319 1,044 SH   SOLE 0 1,044 0 0
SKYWORKS SOLUTIONS INC Equities 83088M102 1,035 12,138 SH   SOLE 0 12,138 0 0
SOUTHERN CO Equities 842587107 322 4,730 SH   SOLE 0 4,730 0 0
SPDR BARCLAY'S CONVERTIBLE Equities 78464A359 479 7,560 SH   SOLE 0 7,560 0 0
SPDR GOLD TRUST Equities 78463V107 2 10 SH   DFND 0 10 0 0
SPDR GOLD TRUST Equities 78463V107 458 2,963 SH   SOLE 0 2,888 75 0
SPDR S&P MIDCAP 400 ETF Equities 78467Y107 592 1,475 SH   SOLE 0 1,475 0 0
STANDARD & POORS DEP. RECEIPTS Equities 78462F103 307 860 SH   SOLE 0 860 0 0
STRYKER CORP Equities 863667101 1,492 7,364 SH   SOLE 0 7,339 25 0
TAIWAN SEMICONDUCTOR ADR Equities 874039100 204 2,980 SH   SOLE 0 2,980 0 0
THERMO FISHER SCIENTIFIC CORP Equities 883556102 342 674 SH   SOLE 0 674 0 0
TRAVELERS COMPANIES INC Equities 89417E109 622 4,057 SH   SOLE 0 4,057 0 0
UNION PAC CORP Equities 907818108 312 1,603 SH   SOLE 0 1,603 0 0
UNITED HEALTH GROUP Equities 91324P102 1,494 2,959 SH   SOLE 0 2,942 17 0
VANGUARD INDEX FDS GROWTH ETF Equities 922908736 310 1,450 SH   SOLE 0 1,450 0 0
VANGUARD INTERM-TERM BOND ETF Equities 921937819 7,796 106,092 SH   SOLE 0 105,747 100 245
VANGUARD INTERM-TERM BOND ETF Equities 921937819 8 115 SH   DFND 0 0 0 115
VANGUARD SHT-TRM INFL-PROT ETF Equities 922020805 14,684 305,224 SH   SOLE 0 304,192 0 1,032
VANGUARD SHT-TRM INFL-PROT ETF Equities 922020805 192 4,000 SH   DFND 0 3,550 0 450
VANGUARD TOTAL STOCK MARKET FUN Equities 922908769 448 2,495 SH   SOLE 0 2,495 0 0
VERIZON COMMUNICATIONS Equities 92343V104 471 12,398 SH   SOLE 0 12,398 0 0
VISA INC Equities 92826C839 2,840 15,989 SH   SOLE 0 15,954 35 0
WAL MART STORES, INC Equities 931142103 2,025 15,610 SH   SOLE 0 15,610 0 0
WALT DISNEY COMPANY Equities 254687106 1,156 12,260 SH   SOLE 0 12,215 45 0
WASTE MANAGEMENT INC. Equities 94106L109 300 1,871 SH   SOLE 0 1,871 0 0
WATERS CORP. Equities 941848103 1,359 5,042 SH   SOLE 0 5,032 10 0
WEC ENERGY GROUP INC Equities 92939U106 298 3,332 SH   SOLE 0 3,332 0 0
WELLS FARGO & CO. Equities 949746101 1,867 46,415 SH   SOLE 0 46,415 0 0
WILLIAMS-SONOMA INC Equities 969904101 1,154 9,791 SH   SOLE 0 9,791 0 0
ZIONS BANCORP Equities 989701107 440 8,660 SH   SOLE 0 8,610 50 0