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 CO Common Stock 88579Y101 1,198 6,746 SH   SOLE   6,746 0 0
3M CO Common Stock 88579Y101 376 2,117 SH   OTR   2,117 0 0
ABBOTT LABORATORIES Common Stock 002824100 2,998 21,304 SH   SOLE   21,304 0 0
ABBOTT LABORATORIES Common Stock 002824100 253 1,800 SH   OTR   1,800 0 0
ABBVIE INC Common Stock 00287Y109 1,654 12,214 SH   SOLE   12,214 0 0
ABBVIE INC Common Stock 00287Y109 95 701 SH   OTR   701 0 0
ACCENTURE PLC Int'l Common Stock G1151C101 1,300 3,136 SH   SOLE   3,136 0 0
ACCENTURE PLC Int'l Common Stock G1151C101 262 633 SH   OTR   633 0 0
ADOBE INC Common Stock 00724F101 193 340 SH   SOLE   340 0 0
ADOBE INC Common Stock 00724F101 39 68 SH   OTR   68 0 0
AFLAC INC Common Stock 001055102 806 13,801 SH   SOLE   13,801 0 0
AFLAC INC Common Stock 001055102 153 2,618 SH   OTR   2,618 0 0
ALPHABET INC Common Stock 02079K107 4,011 1,386 SH   SOLE   1,386 0 0
ALPHABET INC Common Stock 02079K107 547 189 SH   OTR   189 0 0
ALPHABET INC Common Stock 02079K305 2,561 884 SH   SOLE   884 0 0
ALPHABET INC Common Stock 02079K305 272 94 SH   OTR   94 0 0
ALTRIA GROUP INC Common Stock 02209S103 759 16,014 SH   SOLE   16,014 0 0
AMAZON.COM INC Common Stock 023135106 1,914 574 SH   SOLE   574 0 0
AMAZON.COM INC Common Stock 023135106 140 42 SH   OTR   42 0 0
AMERICAN EXPRESS CO Common Stock 025816109 496 3,033 SH   SOLE   3,033 0 0
AMERICAN EXPRESS CO Common Stock 025816109 101 620 SH   OTR   620 0 0
AMERICAN TOWER CORP Common Stock 03027X100 302 1,033 SH   SOLE   1,033 0 0
AMERICAN WATER WORKS COMPANY INC Common Stock 030420103 942 4,988 SH   SOLE   4,988 0 0
AMGEN INC Common Stock 031162100 1,086 4,828 SH   SOLE   4,828 0 0
APPLE INC Common Stock 037833100 11,896 66,994 SH   SOLE   66,994 0 0
APPLE INC Common Stock 037833100 954 5,372 SH   OTR   5,372 0 0
APPLIED MATERIALS INC Common Stock 038222105 54 342 SH   SOLE   342 0 0
APPLIED MATERIALS INC Common Stock 038222105 594 3,775 SH   OTR   3,775 0 0
ARTHUR J GALLAGHER & CO Common Stock 363576109 560 3,300 SH   SOLE   3,300 0 0
AT&T INC Common Stock 00206R102 323 13,124 SH   SOLE   13,124 0 0
AUTOMATIC DATA PROCESSING INC Common Stock 053015103 816 3,310 SH   SOLE   3,310 0 0
BANK OF AMERICA CORP Common Stock 060505104 471 10,581 SH   SOLE   10,581 0 0
BANK OF AMERICA CORP Common Stock 060505104 53 1,200 SH   OTR   1,200 0 0
BAXTER INTERNATIONAL INC Common Stock 071813109 534 6,220 SH   SOLE   6,220 0 0
BAXTER INTERNATIONAL INC Common Stock 071813109 47 550 SH   OTR   550 0 0
BECTON DICKINSON AND CO Common Stock 075887109 327 1,299 SH   SOLE   1,299 0 0
BERKSHIRE HATHAWAY INC Common Stock 084670702 2,364 7,908 SH   SOLE   7,908 0 0
BERKSHIRE HATHAWAY INC Common Stock 084670702 389 1,300 SH   OTR   1,300 0 0
BLACKROCK INC Common Stock 09247X101 829 905 SH   SOLE   905 0 0
BLACKROCK INC Common Stock 09247X101 41 45 SH   OTR   45 0 0
BLACKSTONE INC Common Stock 09260D107 212 1,638 SH   SOLE   1,638 0 0
BOEING CO Common Stock 097023105 240 1,191 SH   SOLE   1,191 0 0
BOOKING HOLDINGS INC Common Stock 09857L108 233 97 SH   SOLE   97 0 0
BRISTOL-MYERS SQUIBB CO Common Stock 110122108 410 6,571 SH   SOLE   6,571 0 0
BRISTOL-MYERS SQUIBB CO Common Stock 110122108 56 900 SH   OTR   900 0 0
BROADCOM INC Common Stock 11135F101 254 381 SH   SOLE   381 0 0
CANADIAN PACIFIC RAILWAY LTD Int'l Common Stock 13645T100 733 10,193 SH   SOLE   10,193 0 0
CATERPILLAR INC Common Stock 149123101 204 985 SH   SOLE   985 0 0
CATERPILLAR INC Common Stock 149123101 382 1,850 SH   OTR   1,850 0 0
CDW CORP Common Stock 12514G108 238 1,160 SH   SOLE   1,160 0 0
CHEVRON CORP Common Stock 166764100 2,343 19,964 SH   SOLE   19,964 0 0
CHEVRON CORP Common Stock 166764100 422 3,595 SH   OTR   3,595 0 0
CISCO SYSTEMS INC Common Stock 17275R102 1,057 16,680 SH   SOLE   16,680 0 0
CISCO SYSTEMS INC Common Stock 17275R102 314 4,955 SH   OTR   4,955 0 0
CITIGROUP INC Common Stock 172967424 529 8,761 SH   SOLE   8,761 0 0
CITIGROUP INC Common Stock 172967424 39 647 SH   OTR   647 0 0
CME GROUP INC Common Stock 12572Q105 238 1,040 SH   SOLE   1,040 0 0
CMS ENERGY CORP Common Stock 125896100 221 3,400 SH   SOLE   3,400 0 0
COCA-COLA CO Common Stock 191216100 1,195 20,186 SH   SOLE   20,186 0 0
COCA-COLA CO Common Stock 191216100 142 2,400 SH   OTR   2,400 0 0
COGNIZANT TECHNOLOGY SOLUTIONS CORP Common Stock 192446102 528 5,954 SH   SOLE   5,954 0 0
COGNIZANT TECHNOLOGY SOLUTIONS CORP Common Stock 192446102 22 250 SH   OTR   250 0 0
COLGATE-PALMOLIVE CO Common Stock 194162103 277 3,244 SH   SOLE   3,244 0 0
COLGATE-PALMOLIVE CO Common Stock 194162103 233 2,726 SH   OTR   2,726 0 0
COMCAST CORP Common Stock 20030N101 360 7,157 SH   SOLE   7,157 0 0
COMCAST CORP Common Stock 20030N101 83 1,650 SH   OTR   1,650 0 0
CONOCOPHILLIPS Common Stock 20825C104 373 5,168 SH   SOLE   5,168 0 0
COSTCO WHOLESALE CORP Common Stock 22160K105 1,020 1,796 SH   SOLE   1,796 0 0
COSTCO WHOLESALE CORP Common Stock 22160K105 30 52 SH   OTR   52 0 0
CVS HEALTH CORP Common Stock 126650100 1,056 10,238 SH   SOLE   10,238 0 0
CVS HEALTH CORP Common Stock 126650100 76 738 SH   OTR   738 0 0
DANAHER CORP Common Stock 235851102 3,628 11,027 SH   SOLE   11,027 0 0
DANAHER CORP Common Stock 235851102 380 1,154 SH   OTR   1,154 0 0
DEERE & CO Common Stock 244199105 972 2,835 SH   SOLE   2,835 0 0
DEERE & CO Common Stock 244199105 600 1,750 SH   OTR   1,750 0 0
DOMINION ENERGY INC Common Stock 25746U109 633 8,062 SH   SOLE   8,062 0 0
DOMINION ENERGY INC Common Stock 25746U109 149 1,900 SH   OTR   1,900 0 0
DUKE ENERGY CORP Common Stock 26441C204 210 2,001 SH   SOLE   2,001 0 0
DUKE ENERGY CORP Common Stock 26441C204 52 500 SH   OTR   500 0 0
EATON CORPORATION PLC Int'l Common Stock G29183103 357 2,065 SH   SOLE   2,065 0 0
ELI LILLY AND CO Common Stock 532457108 1,045 3,782 SH   SOLE   3,782 0 0
EXELON CORP Common Stock 30161N101 556 9,620 SH   SOLE   9,620 0 0
EXXON MOBIL CORP Common Stock 30231G102 2,557 41,780 SH   SOLE   41,780 0 0
EXXON MOBIL CORP Common Stock 30231G102 614 10,037 SH   OTR   10,037 0 0
FISERV INC Common Stock 337738108 622 5,989 SH   SOLE   5,989 0 0
FISERV INC Common Stock 337738108 118 1,141 SH   OTR   1,141 0 0
FLEXSHARES IBOXX 3-YEAR TARGET DURATION TIPS INDEX Fixed Income ETF 33939L506 4,915 186,829 SH   SOLE   186,829 0 0
FLEXSHARES IBOXX 3-YEAR TARGET DURATION TIPS INDEX Fixed Income ETF 33939L506 119 4,519 SH   OTR   4,519 0 0
FLEXSHARES IBOXX 5-YEAR TARGET DURATION TIPS INDEX Fixed Income ETF 33939L605 4,839 172,560 SH   SOLE   172,560 0 0
FLEXSHARES IBOXX 5-YEAR TARGET DURATION TIPS INDEX Fixed Income ETF 33939L605 125 4,461 SH   OTR   4,461 0 0
FLEXSHARES QUALITY DIVIDEND INDEX FUND Exchange Traded Fund 33939L860 22,912 373,530 SH   SOLE   373,530 0 0
FLEXSHARES QUALITY DIVIDEND INDEX FUND Exchange Traded Fund 33939L860 1,084 17,675 SH   OTR   17,675 0 0
FLEXSHS MORNINGSTAR GLBL UPSTEAM NTRL RES IDX FD Exchange Traded Fund 33939L407 7,517 190,363 SH   SOLE   190,363 0 0
FLEXSHS MORNINGSTAR GLBL UPSTEAM NTRL RES IDX FD Exchange Traded Fund 33939L407 446 11,292 SH   OTR   11,292 0 0
FORTIVE CORP Common Stock 34959J108 465 6,098 SH   SOLE   6,098 0 0
FORTIVE CORP Common Stock 34959J108 30 399 SH   OTR   399 0 0
GENERAL DYNAMICS CORP Common Stock 369550108 305 1,461 SH   SOLE   1,461 0 0
GENERAL MILLS INC Common Stock 370334104 400 5,937 SH   SOLE   5,937 0 0
GUARANTY BANCSHARES INC Common Stock 400764106 204 5,437 SH   SOLE   5,437 0 0
HALLIBURTON CO Common Stock 406216101 401 17,550 SH   SOLE   17,550 0 0
HALLIBURTON CO Common Stock 406216101 83 3,639 SH   OTR   3,639 0 0
HCA HEALTHCARE INC Common Stock 40412C101 563 2,190 SH   SOLE   2,190 0 0
HCA HEALTHCARE INC Common Stock 40412C101 77 300 SH   OTR   300 0 0
HOME DEPOT INC Common Stock 437076102 544 1,312 SH   SOLE   1,312 0 0
HONEYWELL INTERNATIONAL INC Common Stock 438516106 848 4,065 SH   SOLE   4,065 0 0
INTEL CORP Common Stock 458140100 1,882 36,551 SH   SOLE   36,551 0 0
INTEL CORP Common Stock 458140100 165 3,200 SH   OTR   3,200 0 0
INTERCONTINENTAL EXCHANGE INC Common Stock 45866F104 642 4,697 SH   SOLE   4,697 0 0
INTERNATIONAL BUSINESS MACHINES CORP Common Stock 459200101 105 787 SH   SOLE   787 0 0
INTERNATIONAL BUSINESS MACHINES CORP Common Stock 459200101 97 728 SH   OTR   728 0 0
INVESCO OPTIMUM YLD DVSFD CMD STR NO K-1 ETF Common Stock 46090F100 294 20,909 SH   SOLE   20,909 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF Exchange Traded Fund 46434G103 362 6,050 SH   SOLE   6,050 0 0
ISHARES CORE S&P SMALL-CAP ETF Exchange Traded Fund 464287804 2,863 25,004 SH   SOLE   25,004 0 0
ISHARES CORE S&P SMALL-CAP ETF Exchange Traded Fund 464287804 168 1,464 SH   OTR   1,464 0 0
ISHARES CORE US AGGREGATE BOND ETF Exchange Traded Fund 464287226 401 3,516 SH   SOLE   3,516 0 0
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ET Fixed Income ETF 464287242 613 4,625 SH   SOLE   4,625 0 0
ISHARES JPMORGAN USD EMERGING MARKETS BOND ETF Exchange Traded Fund 464288281 227 2,077 SH   SOLE   2,077 0 0
ISHARES MSCI EAFE ETF International Equity ETF 464287465 676 8,597 SH   SOLE   8,597 0 0
ISHARES RUSSELL 2000 ETF Exchange Traded Fund 464287655 1,015 4,563 SH   SOLE   4,563 0 0
ISHARES S&P 500 Exchange Traded Fund 464287200 235 492 SH   SOLE   492 0 0
ISHARES S&P MID-CAP 400 GROWTH ETF Exchange Traded Fund 464287606 268 3,147 SH   SOLE   3,147 0 0
ISHARES S&P MIDCAP 400 INDEX FUND Exchange Traded Fund 464287507 1,666 5,886 SH   SOLE   5,886 0 0
ISHARES S&P MIDCAP 400 INDEX FUND Exchange Traded Fund 464287507 334 1,180 SH   OTR   1,180 0 0
JOHNSON & JOHNSON Common Stock 478160104 2,307 13,484 SH   SOLE   13,484 0 0
JOHNSON & JOHNSON Common Stock 478160104 175 1,025 SH   OTR   1,025 0 0
JPMORGAN CHASE & CO Common Stock 46625H100 3,354 21,183 SH   SOLE   21,183 0 0
JPMORGAN CHASE & CO Common Stock 46625H100 130 820 SH   OTR   820 0 0
KIMBERLY-CLARK CORP Common Stock 494368103 233 1,631 SH   SOLE   1,631 0 0
LABORATORY CORPORATION OF AMERICA HOLDINGS Common Stock 50540R409 314 1,000 SH   SOLE   1,000 0 0
LAM RESEARCH CORP Common Stock 512807108 333 463 SH   SOLE   463 0 0
LINDE PLC Int'l Common Stock G5494J103 475 1,372 SH   SOLE   1,372 0 0
LINDE PLC Int'l Common Stock G5494J103 35 100 SH   OTR   100 0 0
LOWE'S COMPANIES INC Common Stock 548661107 2,907 11,248 SH   SOLE   11,248 0 0
LOWE'S COMPANIES INC Common Stock 548661107 1,060 4,102 SH   OTR   4,102 0 0
MARSH & MCLENNAN COS INC Common Stock 571748102 720 4,140 SH   SOLE   4,140 0 0
MARSH & MCLENNAN COS INC Common Stock 571748102 31 180 SH   OTR   180 0 0
MASTERCARD INC Common Stock 57636Q104 1,538 4,280 SH   SOLE   4,280 0 0
MASTERCARD INC Common Stock 57636Q104 90 250 SH   OTR   250 0 0
MATCH GROUP INC Common Stock 57667L107 269 2,037 SH   SOLE   2,037 0 0
MCDONALD'S CORP Common Stock 580135101 1,989 7,419 SH   SOLE   7,419 0 0
MCDONALD'S CORP Common Stock 580135101 123 458 SH   OTR   458 0 0
MEDTRONIC PLC Int'l Common Stock G5960L103 673 6,502 SH   SOLE   6,502 0 0
MERCK & CO INC Common Stock 58933Y105 795 10,371 SH   SOLE   10,371 0 0
MERCK & CO INC Common Stock 58933Y105 183 2,388 SH   OTR   2,388 0 0
META PLATFORMS INC Common Stock 30303M102 1,031 3,064 SH   SOLE   3,064 0 0
MICROSOFT CORP Common Stock 594918104 9,523 28,314 SH   SOLE   28,314 0 0
MICROSOFT CORP Common Stock 594918104 118 350 SH   OTR   350 0 0
MONDELEZ INTERNATIONAL INC Common Stock 609207105 430 6,478 SH   SOLE   6,478 0 0
NEXTERA ENERGY INC Common Stock 65339F101 1,163 12,460 SH   SOLE   12,460 0 0
NEXTERA ENERGY INC Common Stock 65339F101 594 6,360 SH   OTR   6,360 0 0
NIKE INC Common Stock 654106103 3,115 18,692 SH   SOLE   18,692 0 0
NORFOLK SOUTHERN CORP Common Stock 655844108 1,261 4,236 SH   SOLE   4,236 0 0
NORFOLK SOUTHERN CORP Common Stock 655844108 60 200 SH   OTR   200 0 0
NUCOR CORP Common Stock 670346105 315 2,761 SH   SOLE   2,761 0 0
NUCOR CORP Common Stock 670346105 145 1,267 SH   OTR   1,267 0 0
ORACLE CORP Common Stock 68389X105 798 9,155 SH   SOLE   9,155 0 0
ORACLE CORP Common Stock 68389X105 63 720 SH   OTR   720 0 0
PEPSICO INC Common Stock 713448108 2,249 12,949 SH   SOLE   12,949 0 0
PEPSICO INC Common Stock 713448108 426 2,450 SH   OTR   2,450 0 0
PFIZER INC Common Stock 717081103 2,268 38,401 SH   SOLE   38,401 0 0
PFIZER INC Common Stock 717081103 384 6,500 SH   OTR   6,500 0 0
PHILIP MORRIS INTERNATIONAL INC Common Stock 718172109 595 6,267 SH   SOLE   6,267 0 0
PHILIP MORRIS INTERNATIONAL INC Common Stock 718172109 18 190 SH   OTR   190 0 0
PROCTER & GAMBLE CO Common Stock 742718109 2,140 13,084 SH   SOLE   13,084 0 0
PROCTER & GAMBLE CO Common Stock 742718109 726 4,438 SH   OTR   4,438 0 0
QUALCOMM INC Common Stock 747525103 264 1,441 SH   SOLE   1,441 0 0
RAYTHEON TECHNOLOGIES CORP Common Stock 75513E101 809 9,403 SH   SOLE   9,403 0 0
RAYTHEON TECHNOLOGIES CORP Common Stock 75513E101 58 675 SH   OTR   675 0 0
S&P GLOBAL INC Common Stock 78409V104 293 621 SH   SOLE   621 0 0
SABINE ROYALTY TRUST Common Stock 785688102 1,022 24,524 SH   SOLE   24,524 0 0
SALESFORCE.COM INC Common Stock 79466L302 2,226 8,759 SH   SOLE   8,759 0 0
SALESFORCE.COM INC Common Stock 79466L302 72 284 SH   OTR   284 0 0
SCHLUMBERGER NV Int'l Common Stock 806857108 267 8,919 SH   SOLE   8,919 0 0
SOUTHERN CO Common Stock 842587107 138 2,012 SH   SOLE   2,012 0 0
SOUTHERN CO Common Stock 842587107 69 1,000 SH   OTR   1,000 0 0
SPDR S&P 500 ETF TRUST Exchange Traded Fund 78462F103 4,078 8,585 SH   SOLE   8,585 0 0
SPDR S&P MIDCAP 400 ETF Exchange Traded Fund 78467Y107 731 1,413 SH   SOLE   1,413 0 0
STARBUCKS CORP Common Stock 855244109 2,213 18,923 SH   SOLE   18,923 0 0
STARBUCKS CORP Common Stock 855244109 91 780 SH   OTR   780 0 0
SYSCO CORP Common Stock 871829107 77 974 SH   SOLE   974 0 0
SYSCO CORP Common Stock 871829107 135 1,725 SH   OTR   1,725 0 0
TARGET CORP Common Stock 87612E106 441 1,906 SH   SOLE   1,906 0 0
TEXAS INSTRUMENTS INC Common Stock 882508104 215 1,140 SH   SOLE   1,140 0 0
THERMO FISHER SCIENTIFIC INC Common Stock 883556102 370 555 SH   SOLE   555 0 0
THERMO FISHER SCIENTIFIC INC Common Stock 883556102 67 100 SH   OTR   100 0 0
TRUIST FINANCIAL CORP Common Stock 89832Q109 201 3,440 SH   SOLE   3,440 0 0
UNION PACIFIC CORP Common Stock 907818108 1,122 4,455 SH   SOLE   4,455 0 0
UNITED PARCEL SERVICE INC Common Stock 911312106 955 4,456 SH   SOLE   4,456 0 0
UNITED PARCEL SERVICE INC Common Stock 911312106 139 650 SH   OTR   650 0 0
UNITEDHEALTH GROUP INC Common Stock 91324P102 595 1,184 SH   SOLE   1,184 0 0
UNITEDHEALTH GROUP INC Common Stock 91324P102 55 110 SH   OTR   110 0 0
US BANCORP Common Stock 902973304 806 14,348 SH   SOLE   14,348 0 0
US BANCORP Common Stock 902973304 49 867 SH   OTR   867 0 0
VANGUARD DEVELOPED MARKETS INDEX FUND International Equity ETF 921943858 291 5,692 SH   SOLE   5,692 0 0
VANGUARD EMERGING MARKETS STOCK INDEX FUND Exchange Traded Fund 922042858 316 6,387 SH   SOLE   6,387 0 0
VANGUARD HIGH DIVIDEND YIELD INDEX FUND Exchange Traded Fund 921946406 2,197 19,593 SH   SOLE   19,593 0 0
VANGUARD HIGH DIVIDEND YIELD INDEX FUND Exchange Traded Fund 921946406 519 4,630 SH   OTR   4,630 0 0
VANGUARD INDEX FDS Exchange Traded Fund 922908751 213 944 SH   SOLE   944 0 0
VANGUARD MID-CAP INDEX FUND Exchange Traded Fund 922908629 890 3,495 SH   SOLE   3,495 0 0
VANGUARD REAL ESTATE INDEX FUND Exchange Traded Fund 922908553 330 2,843 SH   SOLE   2,843 0 0
VANGUARD VALUE INDEX FUND Exchange Traded Fund 922908744 333 2,264 SH   SOLE   2,264 0 0
VERIZON COMMUNICATIONS INC Common Stock 92343V104 1,030 19,825 SH   SOLE   19,825 0 0
VERIZON COMMUNICATIONS INC Common Stock 92343V104 127 2,450 SH   OTR   2,450 0 0
VISA INC Common Stock 92826C839 265 1,224 SH   SOLE   1,224 0 0
VISA INC Common Stock 92826C839 27 126 SH   OTR   126 0 0
WALT DISNEY CO Common Stock 254687106 335 2,164 SH   SOLE   2,164 0 0
WASTE MANAGEMENT INC Common Stock 94106L109 929 5,566 SH   SOLE   5,566 0 0
ZIMMER BIOMET HOLDINGS INC Common Stock 98956P102 253 1,988 SH   SOLE   1,988 0 0
ZIMMER BIOMET HOLDINGS INC Common Stock 98956P102 15 120 SH   OTR   120 0 0
ZOETIS INC Common Stock 98978V103 400 1,640 SH   SOLE   1,640 0 0