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
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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 Equities 002824100 773 8,464 SH   SOLE   5,964 0 2,500
AbbVie Inc Equities 00287Y109 585 5,960 SH   SOLE   3,460 0 2,500
Accenture PLC A Equities G1151C101 637 2,967 SH   SOLE   2,967 0 0
ADOBE INC Equities 00724F101 352 809 SH   SOLE   809 0 0
AGNC INVESTMENT CORP REIT Equities 00123Q104 131 10,201 SH   SOLE   10,201 0 0
ALLY FINANCIAL INC Equities 02005N100 280 14,128 SH   SOLE   14,128 0 0
Alphabet Inc Cap Stk Class C Equities 02079K107 744 527 SH   SOLE   527 0 0
Alphabet Inc Class A Equities 02079K305 571 403 SH   SOLE   403 0 0
Amazon.com Inc Equities 023135106 1,431 519 SH   SOLE   519 0 0
AMCOR PLC Equities G0250X107 520 51,000 SH   SOLE   51,000 0 0
American Express Common Equities 025816109 323 3,397 SH   SOLE   3,397 0 0
American Tower Corp New Common Equities 03027X100 293 1,136 SH   SOLE   1,136 0 0
Amgen Inc Equities 031162100 399 1,694 SH   SOLE   1,694 0 0
ANSYS INC COM Equities 03662Q105 342 1,175 SH   SOLE   1,175 0 0
AON PLC Equities G0403H108 317 1,651 SH   SOLE   219 0 1,432
Apple Inc Common Equities 037833100 2,004 5,496 SH   SOLE   5,496 0 0
ARCH CAPITAL GROUP LTD Equities G0450A105 242 8,465 SH   SOLE   8,465 0 0
ARCHER DANIELS MIDLAND CO Equities 039483102 8,129 203,736 SH   SOLE   203,736 0 0
AT&T Inc Equities 00206R102 605 20,027 SH   SOLE   15,470 0 4,557
AUTOMATIC DATA PROCESSING INC Equities 053015103 578 3,886 SH   SOLE   3,886 0 0
Bank Amer Corp Common Equities 060505104 384 16,193 SH   SOLE   16,193 0 0
Berkshire Hathaway Inc Del Clas Equities 084670702 503 2,823 SH   SOLE   2,823 0 0
Bristol Myers Squibb Common Equities 110122108 317 5,406 SH   SOLE   3,906 0 1,500
Capital One Finl Corp Common Equities 14040H105 693 11,084 SH   SOLE   11,084 0 0
Caterpillar Inc. Equities 149123101 219 1,736 SH   SOLE   1,736 0 0
Chevron Corp New Common Equities 166764100 335 3,765 SH   SOLE   2,465 0 1,300
CHUBB LIMITED COM NPV Equities H1467J104 230 1,817 SH   SOLE   1,817 0 0
Cisco Systems Inc Equities 17275R102 633 13,584 SH   SOLE   13,584 0 0
Coca-Cola Co Equities 191216100 329 7,370 SH   SOLE   7,370 0 0
Comcast Corp New Cl A Equities 20030N101 296 7,609 SH   SOLE   7,609 0 0
Danaher Corp Common Equities 235851102 611 3,457 SH   SOLE   3,457 0 0
DISCOVER FINL SVCS Equities 254709108 268 5,366 SH   SOLE   5,366 0 0
Exxon Mobil Corp Equities 30231G102 421 9,432 SH   SOLE   7,432 0 2,000
Facebook Inc Class A Equities 30303M102 590 2,599 SH   SOLE   2,599 0 0
General Electric Co Equities 369604103 173 25,450 SH   SOLE   24,950 0 500
Honeywell Intl Inc Common Equities 438516106 231 1,604 SH   SOLE   1,604 0 0
IHS MARKIT LTD SHS Equities G47567105 370 4,907 SH   SOLE   4,907 0 0
ILLINOIS TOOL WKS INC Equities 452308109 201 1,153 SH   SOLE   1,153 0 0
Intel Corp Equities 458140100 664 11,108 SH   SOLE   10,108 0 1,000
International Business Machines Equities 459200101 363 3,006 SH   SOLE   3,006 0 0
INTUIT Equities 461202103 200 676 SH   SOLE   676 0 0
INVESCO QQQ TRUST SERIES 1 Mutual Funds 46090E103 271 1,095 SH   SOLE   1,095 0 0
iShares Edge MSCI Min Vol USA Equities 46429B697 301 4,969 SH   SOLE   4,969 0 0
iShares Russell 1000 Growth Equities 464287614 502 2,616 SH   SOLE   2,616 0 0
iShares Russell 1000 Value Equities 464287598 2,042 18,137 SH   SOLE   18,137 0 0
ISHARES TR INDEX RUSSELL MIDCAP Equities 464287499 241 4,513 SH   SOLE   4,513 0 0
Johnson & Johnson Equities 478160104 865 6,153 SH   SOLE   5,153 0 1,000
JP MORGAN GLOBAL BOND OPPORTUNI Equities 46641Q852 637 12,827 SH   DFND   12,827 0 0
JP MORGAN GLOBAL BOND OPPORTUNI Equities 46641Q852 9,292 187,045 SH   SOLE   187,045 0 0
JPMorgan Chase & Co Equities 46625H100 854 9,087 SH   SOLE   7,037 0 2,050
Lilly Eli & Common Equities 532457108 362 2,205 SH   SOLE   2,205 0 0
Lockheed Martin Corp Equities 539830109 221 607 SH   SOLE   607 0 0
Lowes Cos Inc Common Equities 548661107 211 1,568 SH   SOLE   1,568 0 0
Mastercard Cl A Equities 57636Q104 379 1,282 SH   SOLE   1,282 0 0
McDonalds Corp Common Equities 580135101 258 1,402 SH   SOLE   1,402 0 0
Medtronic Plc Equities G5960L103 234 2,554 SH   SOLE   2,554 0 0
MERCK & CO INC NEW Equities 58933Y105 303 3,931 SH   SOLE   3,931 0 0
Microsoft Corp Equities 594918104 2,641 12,978 SH   SOLE   12,978 0 0
MOODYS CORP Equities 615369105 603 2,196 SH   SOLE   2,196 0 0
Navient Corp Equities 63938C108 86 12,252 SH   SOLE   12,252 0 0
NEXTERA ENERGY INC Equities 65339F101 324 1,352 SH   SOLE   1,352 0 0
Nike Inc Class B Equities 654106103 222 2,274 SH   SOLE   2,274 0 0
Oracle Corp Equities 68389X105 498 9,015 SH   SOLE   9,015 0 0
Paypal Hldgs Inc Common Equities 70450Y103 289 1,664 SH   SOLE   1,664 0 0
PepsiCo Inc Equities 713448108 477 3,613 SH   SOLE   3,613 0 0
PERKINELMER INC COM Equities 714046109 203 2,075 SH   SOLE   2,075 0 0
Pfizer Inc Equities 717081103 290 8,875 SH   SOLE   8,875 0 0
PIMCO INTERMEDIATE MUNICIPAL Equities 72201R866 1,257 22,607 SH   DFND   22,607 0 0
PRINCIPAL FIN'L GROUP Equities 74251V102 316 7,625 SH   SOLE   7,625 0 0
Procter & Gamble Co Equities 742718109 425 3,557 SH   SOLE   3,557 0 0
PRUDENTIAL FINL INC Equities 744320102 296 4,867 SH   SOLE   4,867 0 0
Qualcomm Inc Common Equities 747525103 296 3,252 SH   SOLE   3,252 0 0
RESMED INC Equities 761152107 318 1,661 SH   SOLE   1,661 0 0
SALESFORCE COM INC Equities 79466L302 494 2,641 SH   SOLE   2,641 0 0
SCHWAB STRATEGIC TR Equities 808524706 289 11,879 SH   SOLE   11,879 0 0
SCHWAB STRATEGIC TR Equities 808524805 1,684 56,617 SH   SOLE   56,617 0 0
SCHWAB STRATEGIC US DIVIDEND EQ Equities 808524797 385 7,457 SH   SOLE   7,457 0 0
SPDR Barclays Bloomberg ST Bd E Equities 78464A474 944 30,132 SH   DFND   30,132 0 0
SPDR Barclays Bloomberg ST Bd E Equities 78464A474 46,601 1,486,974 SH   SOLE   1,486,974 0 0
SPDR BARCLAYS HIGH YIELD BOND E Equities 78468R622 1,482 14,654 SH   SOLE   14,654 0 0
SPDR S&P 500 ETF TR TR UNIT Equities 78462F103 484 1,570 SH   SOLE   1,570 0 0
Spdr Ser Tr Nuveen Bloomberg Ba Equities 78468R739 2,715 54,459 SH   DFND   54,459 0 0
Spdr Ser Tr Nuveen Bloomberg Ba Equities 78468R739 18,408 369,130 SH   SOLE   367,800 0 1,330
SPDR SERIES TRUST S&P DIVID ETF Equities 78464A763 210 2,313 SH   SOLE   2,313 0 0
STRYKER CORP Equities 863667101 221 1,230 SH   SOLE   1,230 0 0
Texas Instrs Inc Common Equities 882508104 250 1,975 SH   SOLE   1,975 0 0
The Home Depot Inc Equities 437076102 638 2,550 SH   SOLE   2,550 0 0
Thermo Fisher Scientific Inc Co Equities 883556102 486 1,344 SH   SOLE   1,344 0 0
UNION PACIFIC CORP Equities 907818108 272 1,611 SH   SOLE   1,611 0 0
UnitedHealth Group Inc Equities 91324P102 645 2,188 SH   SOLE   2,188 0 0
V F CORP Equities 918204108 2,311 37,925 SH   DFND   37,925 0 0
V F CORP Equities 918204108 55 916 SH   SOLE   916 0 0
Vanguard FTSE Emerging Markets Equities 922042858 294 7,427 SH   DFND   7,427 0 0
Vanguard FTSE Emerging Markets Equities 922042858 9,744 246,008 SH   SOLE   237,896 0 8,112
VANGUARD IND FD MID-CAP ETF Equities 922908629 390 2,380 SH   SOLE   2,380 0 0
VANGUARD INDEX FDS TOTAL STK MK Equities 922908769 390 2,495 SH   SOLE   2,495 0 0
Vanguard Index Funds Vanguard E Equities 922908652 523 4,421 SH   DFND   4,421 0 0
Vanguard Index Funds Vanguard E Equities 922908652 13,042 110,212 SH   SOLE   110,212 0 0
Vanguard Intermediate-Term Bond Equities 921937819 11,256 120,794 SH   SOLE   120,794 0 0
VANGUARD INTM-TERM GOVT BOND FU Equities 92206C706 1,657 23,490 SH   SOLE   23,490 0 0
Vanguard Large-Cap ETF Equities 922908637 2,189 15,313 SH   DFND   15,313 0 0
Vanguard Large-Cap ETF Equities 922908637 18,296 127,951 SH   SOLE   127,951 0 0
VANGUARD MUN BD FD INC TAX EXEM Equities 922907746 10,174 187,933 SH   SOLE   187,933 0 0
Vanguard S&P 500 ETF Equities 922908363 1,129 3,985 SH   SOLE   3,985 0 0
VANGUARD SHORT-TERM GOV BND Equities 92206C102 548 8,817 SH   SOLE   8,817 0 0
Vanguard Star Funds Vanguard To Equities 921909768 1,848 37,597 SH   DFND   37,597 0 0
Vanguard Star Funds Vanguard To Equities 921909768 46,800 951,802 SH   SOLE   951,802 0 0
Vanguard Tax-managed Intl Fund Equities 921943858 673 17,364 SH   SOLE   17,364 0 0
Verizon Communications Inc Comm Equities 92343V104 387 7,034 SH   SOLE   5,034 0 2,000
Visa Common Cl A Equities 92826C839 786 4,073 SH   SOLE   4,073 0 0
Wal-Mart Stores Common Equities 931142103 231 1,935 SH   SOLE   1,935 0 0
Walt Disney Common Equities 254687106 385 3,459 SH   SOLE   3,459 0 0