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
AES CORP COMMON STOCK 00130H105 208 8,100 SH   SOLE   8,100 0 0
AT&T INC COMMON STOCK 00206R102 1,231 52,104 SH   SOLE   52,104 0 0
AT&T INC COMMON STOCK 00206R102 165 7,000 SH   OTR   7,000 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100 3,582 30,264 SH   SOLE   30,264 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100 621 5,250 SH   OTR   5,250 0 0
ABBVIE INC SR NT COMMON STOCK 00287Y109 2,521 15,554 SH   SOLE   15,554 0 0
ABBVIE INC SR NT COMMON STOCK 00287Y109 1,135 7,000 SH   OTR   7,000 0 0
ACTIVISION BLIZZARD INC COMMON STOCK 00507V109 239 2,985 SH   SOLE   2,985 0 0
ADOBE SYSTEMS INC COMMON STOCK 00724F101 3,633 7,973 SH   SOLE   7,973 0 0
ADVANCED MICRO DEVICES INC COMMON STOCK 007903107 567 5,187 SH   SOLE   5,187 0 0
AGILENT TECHNOLOGIES INC COMMON STOCK 00846U101 900 6,798 SH   SOLE   6,798 0 0
AIRBNB INC COMMON STOCK 009066101 1,207 7,029 SH   SOLE   7,029 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 253 1,011 SH   SOLE   1,011 0 0
ALIGN TECHNOLOGY INC COMMON STOCK 016255101 801 1,837 SH   SOLE   1,837 0 0
ALLSTATE CORP COMMON STOCK 020002101 304 2,193 SH   SOLE   2,193 0 0
ALLY FINL INC COMMON STOCK 02005N100 284 6,525 SH   SOLE   6,525 0 0
ALPHABET INC COMMON STOCK 02079K107 4,972 1,780 SH   SOLE   1,780 0 0
ALPHABET INC COMMON STOCK 02079K305 6,483 2,331 SH   SOLE   2,331 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 633 12,117 SH   SOLE   12,117 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 261 5,000 SH   OTR   5,000 0 0
AMAZON COM INC COMMON STOCK 023135106 9,418 2,889 SH   SOLE   2,889 0 0
AMERICAN ELECTRIC POWER INC COMMON STOCK 025537101 624 6,255 SH   SOLE   6,255 0 0
AMERICAN ELECTRIC POWER INC COMMON STOCK 025537101 100 1,000 SH   OTR   1,000 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 649 3,472 SH   SOLE   3,472 0 0
AMERICAN INTERNATIONAL GROUP COMMON STOCK 026874784 246 3,917 SH   SOLE   3,917 0 0
AMERICAN TOWER CORP COMMON STOCK 03027X100 1,229 4,891 SH   SOLE   4,891 0 0
AMERIPRISE FINANCIAL INC COMMON STOCK 03076C106 531 1,768 SH   SOLE   1,768 0 0
AMGEN INC COMMON STOCK 031162100 981 4,057 SH   SOLE   4,057 0 0
ANALOG DEVICES INC COMMON STOCK 032654105 375 2,268 SH   SOLE   2,268 0 0
ANTHEM INC COM COMMON STOCK 036752103 218 443 SH   SOLE   443 0 0
APPLE INC COMMON STOCK 037833100 23,472 134,423 SH   SOLE   134,423 0 0
APPLE HOSPITALITY REIT INC COMMON STOCK 03784Y200 243 13,523 SH   SOLE   13,523 0 0
APPLIED MATERIALS INC COMMON STOCK 038222105 686 5,204 SH   SOLE   5,204 0 0
ASTRAZENECA PLC FOREIGN STOCK 046353108 298 4,493 SH   SOLE   4,493 0 0
ASTRAZENECA PLC FOREIGN STOCK 046353108 494 7,450 SH   OTR   7,450 0 0
AUTODESK INC COMMON STOCK 052769106 1,030 4,805 SH   SOLE   4,805 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 1,320 5,799 SH   SOLE   5,799 0 0
BCE INC FOREIGN STOCK 05534B760 1,140 20,547 SH   SOLE   20,547 0 0
BCE INC FOREIGN STOCK 05534B760 244 4,400 SH   OTR   4,400 0 0
BP PLC FOREIGN STOCK 055622104 340 11,571 SH   SOLE   11,571 0 0
BANCO SANTANDER SA FOREIGN STOCK 05964H105 37 10,867 SH   SOLE   10,867 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104 3,751 91,009 SH   SOLE   91,009 0 0
BANK NEW YORK MELLON CORP COMMON STOCK 064058100 1,886 38,000 SH   SOLE   38,000 0 0
BAXTER INTERNATIONAL INC COMMON STOCK 071813109 234 3,020 SH   SOLE   3,020 0 0
BERKSHIRE HATHAWAY INC COMMON STOCK 084670702 1,234 3,496 SH   SOLE   3,496 0 0
BLACKROCK INC COMMON STOCK 09247X101 276 361 SH   SOLE   361 0 0
BLACKROCK KELSO CAPITAL CORP MUTUAL FUND/COR 092533108 123 29,201 SH   SOLE   29,201 0 0
BRISTOL-MYERS SQUIBB CO COMMON STOCK 110122108 762 10,440 SH   SOLE   10,440 0 0
BRISTOL-MYERS SQUIBB CO COMMON STOCK 110122108 146 2,000 SH   OTR   2,000 0 0
BRITISH AMERICAN TOBACCO PLC FOREIGN STOCK 110448107 959 22,737 SH   SOLE   22,737 0 0
BRITISH AMERICAN TOBACCO PLC FOREIGN STOCK 110448107 116 2,750 SH   OTR   2,750 0 0
BROADCOM INC COM COMMON STOCK 11135F101 2,568 4,079 SH   SOLE   4,079 0 0
CIGNA CORP COMMON STOCK 125523100 381 1,590 SH   SOLE   1,590 0 0
CME GROUP INC COMMON STOCK 12572Q105 399 1,679 SH   SOLE   1,679 0 0
CSX CORP COMMON STOCK 126408103 1,681 44,875 SH   SOLE   44,875 0 0
CVS HEALTH CORPORATION COMMON STOCK 126650100 494 4,884 SH   SOLE   4,884 0 0
CDN IMPERIAL BK FOREIGN STOCK 136069101 807 6,631 SH   SOLE   6,631 0 0
CDN IMPERIAL BK FOREIGN STOCK 136069101 280 2,300 SH   OTR   2,300 0 0
CARRIER GLOBAL CORPORATION COMMON STOCK 14448C104 170 3,712 SH   SOLE   3,712 0 0
CARRIER GLOBAL CORPORATION COMMON STOCK 14448C104 34 750 SH   OTR   750 0 0
CATERPILLAR INC COMMON STOCK 149123101 402 1,805 SH   SOLE   1,805 0 0
CELANESE CORP COMMON STOCK 150870103 1,052 7,361 SH   SOLE   7,361 0 0
CHEVRON CORP NEW COMMON STOCK 166764100 2,454 15,072 SH   SOLE   15,072 0 0
CHEVRON CORP NEW COMMON STOCK 166764100 1,303 8,000 SH   OTR   0 0 8,000
CISCO SYSTEMS INC COMMON STOCK 17275R102 1,244 22,307 SH   SOLE   22,307 0 0
CITIZENS FINL GROUP INC COMMON STOCK 174610105 363 8,000 SH   SOLE   8,000 0 0
COCA COLA CO COMMON STOCK 191216100 1,460 23,550 SH   SOLE   23,550 0 0
COCA COLA CO COMMON STOCK 191216100 189 3,050 SH   OTR   3,050 0 0
COMCAST CORP COMMON STOCK 20030N101 1,799 38,416 SH   SOLE   38,416 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 1,296 12,961 SH   SOLE   12,961 0 0
CONSTELLATION BRANDS INC COMMON STOCK 21036P108 413 1,792 SH   SOLE   1,792 0 0
COSTCO WHOLESALE CORP NEW COMMON STOCK 22160K105 2,444 4,245 SH   SOLE   4,245 0 0
CROWN CASTLE INTL CORP COMMON STOCK 22822V101 877 4,750 SH   SOLE   4,750 0 0
CROWN CASTLE INTL CORP COMMON STOCK 22822V101 314 1,700 SH   OTR   1,700 0 0
DANAHER CORP COMMON STOCK 235851102 640 2,181 SH   SOLE   2,181 0 0
DARDEN RESTAURANTS INC COMMON STOCK 237194105 252 1,898 SH   SOLE   1,898 0 0
DEERE & CO COMMON STOCK 244199105 680 1,637 SH   SOLE   1,637 0 0
DIAGEO PLC FOREIGN STOCK 25243Q205 164 806 SH   SOLE   806 0 0
DIAGEO PLC FOREIGN STOCK 25243Q205 244 1,200 SH   OTR   1,200 0 0
DIGITAL REALTY TRUST INC COMMON STOCK 253868103 299 2,110 SH   SOLE   2,110 0 0
DISNEY WALT CO COMMON STOCK 254687106 2,435 17,755 SH   SOLE   17,755 0 0
DOCUSIGN INC COMMON STOCK 256163106 295 2,757 SH   SOLE   2,757 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109 1,175 13,825 SH   SOLE   13,825 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109 85 1,000 SH   OTR   1,000 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204 1,641 14,694 SH   SOLE   14,694 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204 123 1,100 SH   OTR   1,100 0 0
EBAY INC COMMON STOCK 278642103 287 5,019 SH   SOLE   5,019 0 0
ENBRIDGE INC FOREIGN STOCK 29250N105 1,014 21,993 SH   SOLE   21,993 0 0
EQUINIX INC COMMON STOCK 29444U700 210 283 SH   SOLE   283 0 0
EXELON CORP COMMON STOCK 30161N101 471 9,895 SH   SOLE   9,895 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102 2,824 34,192 SH   SOLE   34,192 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102 3,634 44,000 SH   OTR   0 0 44,000
META PLATFORMS INC COMMON STOCK 30303M102 3,397 15,276 SH   SOLE   15,276 0 0
FIRST TRUST LOW MUTUAL FUND/GOV 33739Q200 6,805 139,026 SH   SOLE   139,026 0 0
FREEPORT-MCMORAN INC COMMON STOCK 35671D857 248 4,981 SH   SOLE   4,981 0 0
GALLAGHER ARTHUR J & CO COMMON STOCK 363576109 682 3,904 SH   SOLE   3,904 0 0
GARTNER INC COMMON STOCK 366651107 1,068 3,591 SH   SOLE   3,591 0 0
GENERAL MILLS INC COMMON STOCK 370334104 260 3,843 SH   SOLE   3,843 0 0
GENERAL MILLS INC COMMON STOCK 370334104 237 3,500 SH   OTR   3,500 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 753 12,659 SH   SOLE   12,659 0 0
GLAXOSMITHKLINE PLC FOREIGN STOCK 37733W105 649 14,906 SH   SOLE   14,906 0 0
GLAXOSMITHKLINE PLC FOREIGN STOCK 37733W105 209 4,800 SH   OTR   4,800 0 0
HARTFORD FINANCIAL SERVICES COMMON STOCK 416515104 217 3,023 SH   SOLE   3,023 0 0
HOME DEPOT INC COMMON STOCK 437076102 2,901 9,692 SH   SOLE   9,692 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 1,315 6,760 SH   SOLE   6,760 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 214 1,100 SH   OTR   1,100 0 0
HUNTINGTON BANCSHARES INC COMMON STOCK 446150104 555 37,959 SH   SOLE   37,959 0 0
HUNTINGTON BANCSHARES INC COMMON STOCK 446150104 29 2,000 SH   OTR   2,000 0 0
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109 2,293 10,952 SH   SOLE   10,952 0 0
ILLUMINA INC COMMON STOCK 452327109 648 1,854 SH   SOLE   1,854 0 0
INGERSOLL RAND INC COMMON STOCK 45687V106 333 6,617 SH   SOLE   6,617 0 0
INTEL CORP COMMON STOCK 458140100 914 18,436 SH   SOLE   18,436 0 0
INTERCONTINENTALEXCHANGE GROUP COMMON STOCK 45866F104 995 7,532 SH   SOLE   7,532 0 0
INTERNATIONAL BUSINESS MACHS COMMON STOCK 459200101 744 5,726 SH   SOLE   5,726 0 0
INTUIT COMMON STOCK 461202103 365 760 SH   SOLE   760 0 0
INTUITIVE SURGICAL INC COMMON STOCK 46120E602 704 2,334 SH   SOLE   2,334 0 0
ISHARES CORE S&P TOTAL US STOCK MUTUAL FUND/STO 464287150 6,148 60,910 SH   SOLE   60,910 0 0
ISHARES CORE S&P 500 (MKT) MUTUAL FUND/STO 464287200 13,685 30,163 SH   SOLE   30,163 0 0
ISHARES CORE S&P 500 (MKT) MUTUAL FUND/STO 464287200 25 55 SH   OTR   55 0 0
ISHARES CORE TOTAL US BOND MUTUAL FUND/COR 464287226 3,145 29,367 SH   SOLE   29,367 0 0
ISHARES MSCI EMERGING MARKETS MUTUAL FUNDS GL 464287234 3,164 70,077 SH   SOLE   70,077 0 0
ISHARES MSCI EAFE (MKT) MUTUAL FUNDS GL 464287465 4,970 67,528 SH   SOLE   67,528 0 0
ISHARES MSCI EAFE (MKT) MUTUAL FUNDS GL 464287465 131 1,775 SH   OTR   1,775 0 0
ISHARES RUSSELL MID-CAP (MKT) MUTUAL FUND/STO 464287499 2,041 26,155 SH   SOLE   26,155 0 0
ISHARES CORE S&P MID-CAP (MKT) MUTUAL FUND/STO 464287507 38,476 143,385 SH   SOLE   143,385 0 0
ISHARES CORE S&P MID-CAP (MKT) MUTUAL FUND/STO 464287507 71 264 SH   OTR   264 0 0
ISHARES RUSSELL 1000 VALUE (MKT) MUTUAL FUND/STO 464287598 2,190 13,193 SH   SOLE   13,193 0 0
ISHARES RUSSELL 1000 GROWTH MUTUAL FUND/STO 464287614 5,455 19,649 SH   SOLE   19,649 0 0
ISHARES RUSSELL 2000 (MKT) MUTUAL FUND/STO 464287655 1,677 8,170 SH   SOLE   8,170 0 0
ISHARES US ENERGY (MKT) MUTUAL FUND/STO 464287796 457 11,158 SH   SOLE   11,158 0 0
ISHARES CORE S&P SMALL-CAP (MKT) MUTUAL FUND/STO 464287804 37,835 350,713 SH   SOLE   350,713 0 0
ISHARES CORE S&P SMALL-CAP (MKT) MUTUAL FUND/STO 464287804 325 3,016 SH   OTR   3,016 0 0
ISHARES S&P SMALL-CAP 600 GROWTH MUTUAL FUND/STO 464287887 527 4,211 SH   SOLE   4,211 0 0
ISHARES ST NATIONAL AMTFREE MUTUAL FUNDS/MU 464288158 4,664 44,593 SH   SOLE   44,593 0 0
ISHARES CALIF MUNI BD MUTUAL FUNDS/MU 464288356 326 5,605 SH   SOLE   5,605 0 0
ISHARES NATIONAL AMT-FREE MUNI MUTUAL FUNDS/MU 464288414 8,849 80,708 SH   SOLE   80,708 0 0
ISHARES NATIONAL AMT-FREE MUNI MUTUAL FUNDS/MU 464288414 3 27 SH   OTR   27 0 0
ISHARES IBOXX $ HIGH YIELD MUTUAL FUND/COR 464288513 205 2,490 SH   SOLE   2,490 0 0
ISHARES SHORT-TERM MUTUAL FUND/COR 464288646 313 6,055 SH   SOLE   6,055 0 0
ISHARES MSCI USA ESG SELECT MUTUAL FUND/STO 464288802 225 2,328 SH   SOLE   2,328 0 0
ISHARES MSCI USA MINIMUM MUTUAL FUND/STO 46429B697 388 5,000 SH   SOLE   5,000 0 0
ISHARES CORE MSCI EAFE MUTUAL FUNDS GL 46432F842 14,245 204,937 SH   SOLE   204,937 0 0
ISHARES CORE MSCI EMERGING MUTUAL FUNDS GL 46434G103 10,493 188,899 SH   SOLE   188,899 0 0
ISHARES CORE MSCI EMERGING MUTUAL FUNDS GL 46434G103 27 494 SH   OTR   494 0 0
HDG MSCI EAFE MUTUAL FUND/STO 46434V803 1,612 47,500 SH   SOLE   47,500 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100 2,569 18,845 SH   SOLE   18,845 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100 886 6,500 SH   OTR   6,500 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 2,663 15,025 SH   SOLE   15,025 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 443 2,500 SH   OTR   2,500 0 0
KLA-TENCOR CORP COMMON STOCK 482480100 479 1,309 SH   SOLE   1,309 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 396 3,219 SH   SOLE   3,219 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 246 2,000 SH   OTR   2,000 0 0
KROGER CO COMMON STOCK 501044101 790 13,773 SH   SOLE   13,773 0 0
LAM RESEARCH CORP COMMON STOCK 512807108 318 592 SH   SOLE   592 0 0
LAUDER ESTEE COS INC COMMON STOCK 518439104 272 998 SH   SOLE   998 0 0
LENNAR CORP COMMON STOCK 526057104 333 4,101 SH   SOLE   4,101 0 0
ELI LILLY & CO COMMON STOCK 532457108 1,618 5,650 SH   SOLE   5,650 0 0
ELI LILLY & CO COMMON STOCK 532457108 430 1,500 SH   OTR   1,500 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 700 1,586 SH   SOLE   1,586 0 0
LOWES COMPANIES INC COMMON STOCK 548661107 795 3,932 SH   SOLE   3,932 0 0
MSCI INC COMMON STOCK 55354G100 453 901 SH   SOLE   901 0 0
MARATHON PETE CORP COMMON STOCK 56585A102 360 4,205 SH   SOLE   4,205 0 0
MARRIOTT INTERNATIONAL INC NEW COMMON STOCK 571903202 278 1,579 SH   SOLE   1,579 0 0
MASTERCARD INC COMMON STOCK 57636Q104 2,139 5,984 SH   SOLE   5,984 0 0
MCDONALDS CORP COMMON STOCK 580135101 1,045 4,224 SH   SOLE   4,224 0 0
MCDONALDS CORP COMMON STOCK 580135101 253 1,025 SH   OTR   1,025 0 0
MERCK & CO INC COMMON STOCK 58933Y105 2,350 28,635 SH   SOLE   28,635 0 0
MERCK & CO INC COMMON STOCK 58933Y105 246 3,000 SH   OTR   3,000 0 0
MICROSOFT CORP COMMON STOCK 594918104 9,769 31,687 SH   SOLE   31,687 0 0
MICRON TECHNOLOGY INC COMMON STOCK 595112103 1,488 19,100 SH   SOLE   19,100 0 0
MONDELEZ INTL INC COMMON STOCK 609207105 743 11,840 SH   SOLE   11,840 0 0
MONSTER BEVERAGE CORP COMMON STOCK 61174X109 552 6,906 SH   SOLE   6,906 0 0
MOTOROLA SOLUTIONS INC COMMON STOCK 620076307 306 1,264 SH   SOLE   1,264 0 0
NATIONAL GRID PLC FOREIGN STOCK 636274409 968 12,597 SH   SOLE   12,597 0 0
NATIONAL GRID PLC FOREIGN STOCK 636274409 269 3,500 SH   OTR   3,500 0 0
NETFLIX INC COMMON STOCK 64110L106 1,053 2,812 SH   SOLE   2,812 0 0
NEW YORK COMMUNITY BANCORP INC COMMON STOCK 649445103 128 11,900 SH   SOLE   11,900 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 2,141 25,269 SH   SOLE   25,269 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 339 4,000 SH   OTR   4,000 0 0
NIKE INC COMMON STOCK 654106103 2,191 16,280 SH   SOLE   16,280 0 0
NUCOR CORP COMMON STOCK 670346105 839 5,641 SH   SOLE   5,641 0 0
NVIDIA CORP COMMON STOCK 67066G104 2,276 8,342 SH   SOLE   8,342 0 0
ORACLE CORP COMMON STOCK 68389X105 436 5,269 SH   SOLE   5,269 0 0
PNC FINANCIAL SERVICES GROUP COMMON STOCK 693475105 329 1,784 SH   SOLE   1,784 0 0
PPL CORP COMMON STOCK 69351T106 519 18,175 SH   SOLE   18,175 0 0
PPL CORP COMMON STOCK 69351T106 36 1,250 SH   OTR   1,250 0 0
PALO ALTO NETWORKS INC COMMON STOCK 697435105 357 573 SH   SOLE   573 0 0
PAYPAL HLDGS INC COMMON STOCK 70450Y103 798 6,896 SH   SOLE   6,896 0 0
PEPSICO INC COMMON STOCK 713448108 2,016 12,042 SH   SOLE   12,042 0 0
PEPSICO INC COMMON STOCK 713448108 167 1,000 SH   OTR   1,000 0 0
PFIZER INC COMMON STOCK 717081103 2,866 55,366 SH   SOLE   55,366 0 0
PHILIP MORRIS INTERNATIONAL INC COMMON STOCK 718172109 1,826 19,433 SH   SOLE   19,433 0 0
PHILIP MORRIS INTERNATIONAL INC COMMON STOCK 718172109 178 1,900 SH   OTR   1,900 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 2,653 17,363 SH   SOLE   17,363 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 306 2,000 SH   OTR   2,000 0 0
PROLOGIS INC COMMON STOCK 74340W103 214 1,327 SH   SOLE   1,327 0 0
PUBLIC SERVICE ENTERPRISE GROUP COMMON STOCK 744573106 237 3,380 SH   SOLE   3,380 0 0
PUBLIC STORAGE COMMON STOCK 74460D109 9 22 SH   SOLE   22 0 0
PUBLIC STORAGE COMMON STOCK 74460D109 195 500 SH   OTR   500 0 0
QUALCOMM INC COMMON STOCK 747525103 433 2,835 SH   SOLE   2,835 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 512 5,170 SH   SOLE   5,170 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 74 750 SH   OTR   750 0 0
REALTY INCOME CORP COMMON STOCK 756109104 263 3,789 SH   SOLE   3,789 0 0
REALTY INCOME CORP COMMON STOCK 756109104 52 750 SH   OTR   750 0 0
REGIONS FINANCIAL CORP NEW COMMON STOCK 7591EP100 358 16,104 SH   SOLE   16,104 0 0
RELIANCE STEEL & ALUMINUM CO COMMON STOCK 759509102 292 1,590 SH   SOLE   1,590 0 0
S&P GLOBAL INC COMMON STOCK 78409V104 339 827 SH   SOLE   827 0 0
SPDR S&P 500 (MKT) MUTUAL FUND/STO 78462F103 10,077 22,311 SH   SOLE   22,311 0 0
SPDR GOLD SHARES (MKT) MUTUAL FUND/STO 78463V107 269 1,487 SH   SOLE   1,487 0 0
SPDR S&P 600 SMALL CAP MUTUAL FUND/STO 78464A813 752 8,034 SH   SOLE   8,034 0 0
SPDR S&P MIDCAP 400 (MKT) MUTUAL FUND/STO 78467Y107 9,518 19,406 SH   SOLE   19,406 0 0
SALESFORCE COMMON STOCK 79466L302 2,368 11,154 SH   SOLE   11,154 0 0
SANOFI FOREIGN STOCK 80105N105 96 1,873 SH   SOLE   1,873 0 0
SANOFI FOREIGN STOCK 80105N105 257 5,000 SH   OTR   5,000 0 0
SCHWAB CHARLES CORP COMMON STOCK 808513105 1,087 12,892 SH   SOLE   12,892 0 0
SCHWAB STRATEGIC TR MUTUAL FUND/STO 808524201 307 5,706 SH   SOLE   5,706 0 0
SCHWAB US REIT ETF MUTUAL FUND/STO 808524847 1,716 68,960 SH   SOLE   68,960 0 0
ENERGY SELECT SECTOR SPDR FUND MUTUAL FUND/STO 81369Y506 2,588 33,863 SH   SOLE   33,863 0 0
FINANCIAL SELECT SECTOR SPDRR MUTUAL FUND/STO 81369Y605 647 16,896 SH   SOLE   16,896 0 0
SERVICENOW INC COM COMMON STOCK 81762P102 1,092 1,960 SH   SOLE   1,960 0 0
SOUTHERN CO COMMON STOCK 842587107 1,158 15,966 SH   SOLE   15,966 0 0
SOUTHERN CO COMMON STOCK 842587107 290 4,000 SH   OTR   4,000 0 0
SOUTHWEST AIRLINES CO COMMON STOCK 844741108 451 9,838 SH   SOLE   9,838 0 0
STARBUCKS CORP COMMON STOCK 855244109 450 4,945 SH   SOLE   4,945 0 0
STARWOOD PPTY TR INC COM COMMON STOCK 85571B105 229 9,470 SH   SOLE   9,470 0 0
SYNCHRONY FINL COMMON STOCK 87165B103 317 9,099 SH   SOLE   9,099 0 0
TAIWAN SEMICONDUCTOR FOREIGN STOCK 874039100 1,304 12,511 SH   SOLE   12,511 0 0
TARGET CORP COMMON STOCK 87612E106 212 997 SH   SOLE   997 0 0
TC ENERGY CORP COM FOREIGN STOCK 87807B107 410 7,259 SH   SOLE   7,259 0 0
TESLA INC COMMON STOCK 88160R101 1,240 1,151 SH   SOLE   1,151 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 1,101 6,002 SH   SOLE   6,002 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 721 1,221 SH   SOLE   1,221 0 0
3M CO COMMON STOCK 88579Y101 340 2,286 SH   SOLE   2,286 0 0
3M CO COMMON STOCK 88579Y101 149 1,000 SH   OTR   1,000 0 0
TOTAL S A FOREIGN STOCK 89151E109 311 6,163 SH   SOLE   6,163 0 0
THE TRAVELERS COMPANIES INC COMMON STOCK 89417E109 248 1,356 SH   SOLE   1,356 0 0
TRUIST FINL CORP COMMON STOCK 89832Q109 456 8,045 SH   SOLE   8,045 0 0
US BANCORP DEL COMMON STOCK 902973304 280 5,272 SH   SOLE   5,272 0 0
UNILEVER PLC FOREIGN STOCK 904767704 326 7,164 SH   SOLE   7,164 0 0
UNILEVER PLC FOREIGN STOCK 904767704 46 1,000 SH   OTR   1,000 0 0
UNION PACIFIC CORP COMMON STOCK 907818108 202 740 SH   SOLE   740 0 0
UNITED PARCEL SERVICE COMMON STOCK 911312106 555 2,586 SH   SOLE   2,586 0 0
UNITED PARCEL SERVICE COMMON STOCK 911312106 268 1,250 SH   OTR   1,250 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 4,280 8,393 SH   SOLE   8,393 0 0
VALERO ENERGY CORP NEW COMMON STOCK 91913Y100 750 7,386 SH   SOLE   7,386 0 0
VANGUARD TOTAL BOND MARKET ETF MUTUAL FUND/GOV 921937835 3,975 49,980 SH   SOLE   49,980 0 0
VANGUARD FTSE DEVELOPED MARKETS MUTUAL FUND/STO 921943858 2,683 55,856 SH   SOLE   55,856 0 0
VANGUARD EMERGING MARKETS STOCK MUTUAL FUND/STO 922042858 1,039 22,521 SH   SOLE   22,521 0 0
VANGUARD ENERGY ETF (MKT) MUTUAL FUND/STO 92204A306 3,395 31,719 SH   SOLE   31,719 0 0
VANGUARD INFORMATION TECHNOLOGY MUTUAL FUND/STO 92204A702 398 955 SH   SOLE   955 0 0
VANGUARD SHORT-TERM CORP BD IDX MUTUAL FUND/COR 92206C409 5,939 76,051 SH   SOLE   76,051 0 0
VANGUARD S&P 500 ETF MUTUAL FUND/STO 922908363 28,939 69,705 SH   SOLE   69,705 0 0
VANGUARD S&P 500 ETF MUTUAL FUND/STO 922908363 153 369 SH   OTR   369 0 0
VANGUARD MID-CAP VALUE ETF (MKT) MUTUAL FUND/STO 922908512 1,735 11,593 SH   SOLE   11,593 0 0
VANGUARD REAL ESTATE ETF MUTUAL FUND/STO 922908553 6,439 59,419 SH   SOLE   59,419 0 0
VANGUARD REAL ESTATE ETF MUTUAL FUND/STO 922908553 558 5,150 SH   OTR   5,150 0 0
VANGUARD SMALL CAP VALUE ETF MUTUAL FUND/STO 922908611 1,897 10,781 SH   SOLE   10,781 0 0
VANGUARD MID-CAP ETF (MKT) MUTUAL FUND/STO 922908629 4,960 20,854 SH   SOLE   20,854 0 0
VANGUARD VALUE INDEX MUTUAL FUND/STO 922908744 6,294 42,589 SH   SOLE   42,589 0 0
VANGUARD SMALL CAP ETF (MKT) MUTUAL FUND/STO 922908751 4,502 21,186 SH   SOLE   21,186 0 0
VANGUARD TOTAL STOCK MARKET ETF MUTUAL FUND/STO 922908769 869 3,815 SH   SOLE   3,815 0 0
VERIZON COMMUNICATIONS INC COMMON STOCK 92343V104 1,668 32,745 SH   SOLE   32,745 0 0
VERIZON COMMUNICATIONS INC COMMON STOCK 92343V104 331 6,500 SH   OTR   6,500 0 0
VISA INC COMMON STOCK 92826C839 3,653 16,474 SH   SOLE   16,474 0 0
VODAFONE GROUP PLC FOREIGN STOCK 92857W308 716 43,107 SH   SOLE   43,107 0 0
VODAFONE GROUP PLC FOREIGN STOCK 92857W308 76 4,600 SH   OTR   4,600 0 0
VOYA FINL INC COMMON STOCK 929089100 719 10,842 SH   SOLE   10,842 0 0
WALMART INC COMMON STOCK 931142103 1,001 6,723 SH   SOLE   6,723 0 0
WALGREENS BOOTS ALLIANCE INC COMMON STOCK 931427108 214 4,782 SH   SOLE   4,782 0 0
WELLS FARGO & CO COMMON STOCK 949746101 518 10,689 SH   SOLE   10,689 0 0
WILLIAMS COMPANIES INC COMMON STOCK 969457100 440 13,173 SH   SOLE   13,173 0 0
YUM! BRANDS INC COMMON STOCK 988498101 664 5,598 SH   SOLE   5,598 0 0
ZOETIS INC COMMON STOCK 98978V103 1,356 7,191 SH   SOLE   7,191 0 0
ATLASSIAN CORP FOREIGN STOCK G06242104 383 1,305 SH   SOLE   1,305 0 0
ACCENTURE PLC FOREIGN STOCK G1151C101 3,114 9,234 SH   SOLE   9,234 0 0
EATON CORP PLC FOREIGN STOCK G29183103 1,551 10,221 SH   SOLE   10,221 0 0
INVESCO LTD FOREIGN STOCK G491BT108 194 8,417 SH   SOLE   8,417 0 0
INVESCO LTD FOREIGN STOCK G491BT108 46 2,000 SH   OTR   2,000 0 0
MEDTRONIC PLC FOREIGN STOCK G5960L103 378 3,407 SH   SOLE   3,407 0 0
TRANE TECHNOLOGIES PLC FOREIGN STOCK G8994E103 1,263 8,274 SH   SOLE   8,274 0 0
ASML HOLDING NV FOREIGN STOCK N07059210 449 672 SH   SOLE   672 0 0
NXP SEMICONDUCTORS N V FOREIGN STOCK N6596X109 226 1,221 SH   SOLE   1,221 0 0