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
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 2,935 11,408 SH   SOLE   11,124 0 284
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 3 10 SH   OTR   10 0 0
CHUBB LIMITED COM H1467J104 3,760 20,671 SH   SOLE   20,418 0 253
CHUBB LIMITED COM H1467J104 72 394 SH   OTR   356 38 0
NXP SEMICONDUCTORS N V COM N6596X109 1,575 10,677 SH   SOLE   10,397 0 280
NXP SEMICONDUCTORS N V COM N6596X109 74 500 SH   OTR   500 0 0
AT&T INC COM 00206R102 139 9,033 SH   SOLE   9,033 0 0
AT&T INC COM 00206R102 98 6,400 SH   OTR   6,400 0 0
ABBOTT LABS COM 002824100 1,431 14,793 SH   SOLE   14,686 0 107
ABBOTT LABS COM 002824100 98 1,010 SH   OTR   1,010 0 0
ABBVIE INC COM 00287Y109 495 3,686 SH   SOLE   3,686 0 0
ABBVIE INC COM 00287Y109 272 2,028 SH   OTR   2,028 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 331 1,204 SH   SOLE   1,203 0 1
AGILENT TECHNOLOGIES INC COM 00846U101 231 1,901 SH   SOLE   1,901 0 0
AGILENT TECHNOLOGIES INC COM 00846U101 13 103 SH   OTR   103 0 0
AIR PRODS & CHEMS INC COM 009158106 403 1,732 SH   SOLE   1,729 0 3
ALPHABET INC CAP STK CL C 02079K107 713 7,420 SH   SOLE   7,420 0 0
ALPHABET INC CAP STK CL C 02079K107 42 440 SH   OTR   440 0 0
ALPHABET INC CAP STK CL A 02079K305 8,102 84,700 SH   SOLE   83,700 0 1,000
ALPHABET INC CAP STK CL A 02079K305 396 4,140 SH   OTR   3,960 180 0
AMAZON COM INC COM 023135106 5,366 47,490 SH   SOLE   46,750 0 740
AMAZON COM INC COM 023135106 188 1,660 SH   OTR   1,660 0 0
AMERICAN EXPRESS CO COM 025816109 1,245 9,225 SH   SOLE   9,160 0 65
AMERICAN EXPRESS CO COM 025816109 91 671 SH   OTR   671 0 0
AMERICAN TOWER CORP NEW COM 03027X100 2,242 10,443 SH   SOLE   10,242 0 201
AMGEN INC COM 031162100 325 1,443 SH   SOLE   1,443 0 0
AMGEN INC COM 031162100 109 485 SH   OTR   450 35 0
APPLE INC COM 037833100 14,305 103,510 SH   SOLE   101,616 0 1,894
APPLE INC COM 037833100 1,621 11,729 SH   OTR   11,501 228 0
APPLIED MATLS INC COM 038222105 274 3,350 SH   OTR   3,350 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 629 2,780 SH   SOLE   2,780 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 365 1,615 SH   OTR   1,615 0 0
BALL CORP COM 058498106 243 5,039 SH   SOLE   5,039 0 0
BK OF AMERICA CORP COM 060505104 2,814 93,173 SH   SOLE   92,146 0 1,027
BK OF AMERICA CORP COM 060505104 243 8,057 SH   OTR   8,057 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 182 682 SH   SOLE   682 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 37 140 SH   OTR   140 0 0
BERKSHIRE HILLS BANCORP INC COM 084680107 300 10,993 SH   SOLE   16 0 10,977
BLACKROCK INC COM 09247X101 3,468 6,303 SH   SOLE   6,215 0 88
BLACKROCK INC COM 09247X101 225 409 SH   OTR   383 26 0
BRISTOL-MYERS SQUIBB CO COM 110122108 1,952 27,463 SH   SOLE   26,832 0 631
BRISTOL-MYERS SQUIBB CO COM 110122108 745 10,475 SH   OTR   10,425 50 0
CIGNA CORP NEW COM 125523100 28 102 SH   SOLE   102 0 0
CIGNA CORP NEW COM 125523100 208 750 SH   OTR   737 13 0
CARRIER GLOBAL CORPORATION COM 14448C104 166 4,663 SH   SOLE   4,663 0 0
CARRIER GLOBAL CORPORATION COM 14448C104 175 4,910 SH   OTR   4,910 0 0
CATERPILLAR INC COM 149123101 1,580 9,632 SH   SOLE   9,432 0 200
CATERPILLAR INC COM 149123101 120 730 SH   OTR   730 0 0
CHEVRON CORP NEW COM 166764100 2,509 17,467 SH   SOLE   17,295 0 172
CHEVRON CORP NEW COM 166764100 190 1,325 SH   OTR   1,325 0 0
CISCO SYS INC COM 17275R102 3,273 81,835 SH   SOLE   80,342 0 1,493
CISCO SYS INC COM 17275R102 187 4,677 SH   OTR   4,677 0 0
CITIGROUP INC COM NEW 172967424 1,098 26,359 SH   SOLE   26,131 0 228
CITIGROUP INC COM NEW 172967424 2 50 SH   OTR   50 0 0
COCA COLA CO COM 191216100 291 5,197 SH   SOLE   5,197 0 0
COCA COLA CO COM 191216100 105 1,870 SH   OTR   1,870 0 0
COLGATE PALMOLIVE CO COM 194162103 277 3,940 SH   SOLE   3,940 0 0
COLGATE PALMOLIVE CO COM 194162103 119 1,700 SH   OTR   1,700 0 0
CONOCOPHILLIPS COM 20825C104 133 1,302 SH   SOLE   1,295 0 7
CONOCOPHILLIPS COM 20825C104 203 1,985 SH   OTR   1,985 0 0
CONSTELLATION BRANDS INC CL A 21036P108 230 1,000 SH   SOLE   1,000 0 0
COSTCO WHSL CORP NEW COM 22160K105 554 1,173 SH   SOLE   1,147 0 26
COSTCO WHSL CORP NEW COM 22160K105 73 155 SH   OTR   155 0 0
CROWN CASTLE INC COM 22822V101 202 1,398 SH   SOLE   1,398 0 0
CROWN CASTLE INC COM 22822V101 87 600 SH   OTR   600 0 0
CRUZ BATTERY METALS CORP COM 22888A108 3 38,000 SH   SOLE   38,000 0 0
DANAHER CORPORATION COM 235851102 7,423 28,739 SH   SOLE   28,391 0 348
DANAHER CORPORATION COM 235851102 142 550 SH   OTR   550 0 0
DEERE & CO COM 244199105 937 2,807 SH   SOLE   2,807 0 0
DISNEY WALT CO COM 254687106 2,727 28,914 SH   SOLE   28,591 0 323
DISNEY WALT CO COM 254687106 135 1,435 SH   OTR   1,410 25 0
DOMINION ENERGY INC COM 25746U109 1,900 27,492 SH   SOLE   27,006 0 486
DOMINION ENERGY INC COM 25746U109 160 2,318 SH   OTR   2,318 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 171 1,837 SH   SOLE   1,837 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 99 1,066 SH   OTR   1,066 0 0
EMERSON ELEC CO COM 291011104 190 2,600 SH   SOLE   2,600 0 0
EMERSON ELEC CO COM 291011104 701 9,574 SH   OTR   9,574 0 0
ERICSSON ADR B SEK 10 294821608 84 14,713 SH   SOLE   14,713 0 0
EVERSOURCE ENERGY COM 30040W108 238 3,048 SH   SOLE   3,048 0 0
EVERSOURCE ENERGY COM 30040W108 101 1,300 SH   OTR   1,300 0 0
EXXON MOBIL CORP COM 30231G102 4,816 55,158 SH   SOLE   54,554 208 396
EXXON MOBIL CORP COM 30231G102 1,016 11,631 SH   OTR   11,631 0 0
META PLATFORMS INC CL A 30303M102 2,004 14,769 SH   SOLE   14,541 0 228
META PLATFORMS INC CL A 30303M102 43 320 SH   OTR   220 100 0
FASTENAL CO COM 311900104 225 4,884 SH   SOLE   4,884 0 0
FEDEX CORP COM 31428X106 1,296 8,727 SH   SOLE   8,547 0 180
FEDEX CORP COM 31428X106 10 70 SH   OTR   70 0 0
FIRST TR EXCHANGE-TRADED FD NASD TECH DIV 33738R118 426 9,755 SH   SOLE   9,755 0 0
GENERAL DYNAMICS CORP COM 369550108 693 3,265 SH   SOLE   3,265 0 0
GENERAL DYNAMICS CORP COM 369550108 5 25 SH   OTR   25 0 0
GENERAL ELECTRIC CO COM NEW 369604301 257 4,157 SH   SOLE   4,157 0 0
GENERAL ELECTRIC CO COM NEW 369604301 36 587 SH   OTR   587 0 0
HERSHEY CO COM 427866108 325 1,476 SH   SOLE   1,476 0 0
HOME DEPOT INC COM 437076102 5,351 19,392 SH   SOLE   19,120 0 272
HOME DEPOT INC COM 437076102 513 1,858 SH   OTR   1,858 0 0
HONEYWELL INTL INC COM 438516106 1,816 10,878 SH   SOLE   10,683 0 195
HONEYWELL INTL INC COM 438516106 20 120 SH   OTR   120 0 0
IDEXX LABS INC COM 45168D104 524 1,609 SH   SOLE   1,561 0 48
ILLINOIS TOOL WKS INC COM 452308109 558 3,091 SH   SOLE   2,961 0 130
INTEL CORP COM 458140100 176 6,821 SH   SOLE   6,821 0 0
INTEL CORP COM 458140100 37 1,430 SH   OTR   1,430 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 686 5,774 SH   SOLE   5,103 57 614
INTERNATIONAL BUSINESS MACHS COM 459200101 13 110 SH   OTR   110 0 0
INTERPUBLIC GROUP COS INC COM 460690100 493 19,249 SH   SOLE   19,249 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 669 2,504 SH   SOLE   2,504 0 0
INTUIT COM 461202103 257 664 SH   SOLE   664 0 0
INVESCO EXCH TRADED FD TR II SOLAR ETF 46138G706 670 9,099 SH   SOLE   9,099 0 0
ISHARES TR CORE S&P500 ETF 464287200 3,463 9,656 SH   SOLE   8,156 0 1,500
ISHARES TR CORE S&P500 ETF 464287200 1,010 2,815 SH   OTR   2,815 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 428 12,273 SH   SOLE   12,273 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 356 4,378 SH   SOLE   4,378 0 0
ISHARES TR MSCI EAFE ETF 464287465 639 11,416 SH   SOLE   11,416 0 0
ISHARES TR MSCI EAFE ETF 464287465 27 475 SH   OTR   475 0 0
ISHARES TR RUS MDCP VAL ETF 464287473 4,291 44,674 SH   SOLE   43,300 0 1,374
ISHARES TR RUS MD CP GR ETF 464287481 4,906 62,557 SH   SOLE   61,838 100 619
ISHARES TR RUS MD CP GR ETF 464287481 49 630 SH   OTR   330 300 0
ISHARES TR CORE S&P MCP ETF 464287507 696 3,174 SH   SOLE   3,174 0 0
ISHARES TR CORE S&P MCP ETF 464287507 794 3,620 SH   OTR   3,620 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 203 1,232 SH   SOLE   1,232 0 0
ISHARES TR CORE S&P SCP ETF 464287804 155 1,783 SH   SOLE   1,783 0 0
ISHARES TR CORE S&P SCP ETF 464287804 519 5,950 SH   OTR   5,950 0 0
ISHARES TR INTL SEL DIV ETF 464288448 531 23,589 SH   SOLE   23,589 0 0
ISHARES TR ISHS 5-10YR INVT 464288638 2,947 61,038 SH   SOLE   61,038 0 0
ISHARES TR ISHS 5-10YR INVT 464288638 35 725 SH   OTR   725 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 15,483 135,480 SH   SOLE   132,782 90 2,608
ISHARES TR 3 7 YR TREAS BD 464288661 2 20 SH   OTR   20 0 0
ISHARES TR CORE HIGH DV ETF 46429B663 436 4,772 SH   SOLE   4,772 0 0
ISHARES TR CORE MSCI TOTAL 46432F834 251 4,932 SH   SOLE   4,932 0 0
ISHARES TR CORE MSCI EAFE 46432F842 12,582 238,884 SH   SOLE   233,982 0 4,902
ISHARES TR CORE MSCI EAFE 46432F842 205 3,885 SH   OTR   3,885 0 0
ISHARES INC CORE MSCI EMKT 46434G103 2,679 62,320 SH   SOLE   61,818 0 502
ISHARES INC CORE MSCI EMKT 46434G103 43 1,000 SH   OTR   1,000 0 0
ISHARES TR MSCI GBL SUS DEV 46435G532 952 13,438 SH   SOLE   11,433 0 2,005
JPMORGAN CHASE & CO COM 46625H100 4,620 44,211 SH   SOLE   43,644 0 567
JPMORGAN CHASE & CO COM 46625H100 265 2,540 SH   OTR   2,540 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 18,308 364,993 SH   SOLE   357,100 0 7,893
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 8 150 SH   OTR   0 150 0
JOHNSON & JOHNSON COM 478160104 1,985 12,150 SH   SOLE   12,032 0 118
JOHNSON & JOHNSON COM 478160104 374 2,287 SH   OTR   2,287 0 0
KIMBERLY-CLARK CORP COM 494368103 201 1,782 SH   SOLE   1,782 0 0
KIMBERLY-CLARK CORP COM 494368103 56 500 SH   OTR   500 0 0
KINERJAPAY CORP COM 49460M101 0 595,000 SH   SOLE   595,000 0 0
LILLY ELI & CO COM 532457108 1,082 3,346 SH   SOLE   3,346 0 0
LILLY ELI & CO COM 532457108 132 408 SH   OTR   343 65 0
LOCKHEED MARTIN CORP COM 539830109 421 1,090 SH   SOLE   1,090 0 0
LOCKHEED MARTIN CORP COM 539830109 15 40 SH   OTR   40 0 0
LOWES COS INC COM 548661107 235 1,250 SH   SOLE   1,250 0 0
LOWES COS INC COM 548661107 9 50 SH   OTR   50 0 0
MCCORMICK & CO INC COM NON VTG 579780206 475 6,667 SH   SOLE   6,667 0 0
MCCORMICK & CO INC COM NON VTG 579780206 19 270 SH   OTR   150 120 0
MCDONALDS CORP COM 580135101 2,270 9,838 SH   SOLE   9,660 0 178
MCDONALDS CORP COM 580135101 256 1,110 SH   OTR   1,110 0 0
MERCK & CO INC COM 58933Y105 3,967 46,058 SH   SOLE   45,191 0 867
MERCK & CO INC COM 58933Y105 1,201 13,942 SH   OTR   13,942 0 0
METLIFE INC COM 59156R108 3,759 61,838 SH   SOLE   60,966 0 872
METLIFE INC COM 59156R108 70 1,150 SH   OTR   1,150 0 0
MICROSOFT CORP COM 594918104 12,522 53,764 SH   SOLE   53,040 0 724
MICROSOFT CORP COM 594918104 1,079 4,635 SH   OTR   4,635 0 0
MORGAN STANLEY COM NEW 617446448 605 7,657 SH   SOLE   7,657 0 0
NEXTERA ENERGY INC COM 65339F101 3,696 47,131 SH   SOLE   46,575 0 556
NEXTERA ENERGY INC COM 65339F101 147 1,872 SH   OTR   1,872 0 0
NIKE INC CL B 654106103 1,210 14,561 SH   SOLE   14,161 0 400
NIKE INC CL B 654106103 116 1,400 SH   OTR   1,400 0 0
NORFOLK SOUTHN CORP COM 655844108 220 1,050 SH   SOLE   1,050 0 0
NORFOLK SOUTHN CORP COM 655844108 6 30 SH   OTR   30 0 0
NOVARTIS AG SPONSORED ADR 66987V109 821 10,800 SH   SOLE   10,800 0 0
NOVARTIS AG SPONSORED ADR 66987V109 34 445 SH   OTR   405 40 0
NVIDIA CORPORATION COM 67066G104 3,049 25,121 SH   SOLE   24,583 0 538
NVIDIA CORPORATION COM 67066G104 80 660 SH   OTR   660 0 0
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201 280 6,082 SH   SOLE   6,069 0 13
ORACLE CORP COM 68389X105 128 2,100 SH   SOLE   2,100 0 0
ORACLE CORP COM 68389X105 89 1,455 SH   OTR   1,300 155 0
OWENS CORNING NEW COM 690742101 2,336 29,713 SH   SOLE   29,003 0 710
PNC FINL SVCS GROUP INC COM 693475105 418 2,800 SH   SOLE   2,794 0 6
PALO ALTO NETWORKS INC COM 697435105 201 1,230 SH   SOLE   1,230 0 0
PALO ALTO NETWORKS INC COM 697435105 20 120 SH   OTR   0 120 0
PAYPAL HLDGS INC COM 70450Y103 1,792 20,819 SH   SOLE   20,657 0 162
PAYPAL HLDGS INC COM 70450Y103 15 171 SH   OTR   171 0 0
PEPSICO INC COM 713448108 1,538 9,423 SH   SOLE   9,320 0 103
PEPSICO INC COM 713448108 373 2,285 SH   OTR   2,285 0 0
PFIZER INC COM 717081103 2,062 47,110 SH   SOLE   47,014 0 96
PFIZER INC COM 717081103 102 2,340 SH   OTR   2,215 125 0
PROCTER AND GAMBLE CO COM 742718109 5,339 42,289 SH   SOLE   41,322 340 627
PROCTER AND GAMBLE CO COM 742718109 257 2,032 SH   OTR   2,032 0 0
PROLOGIS INC. COM 74340W103 248 2,439 SH   SOLE   2,439 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 492 6,016 SH   SOLE   5,949 0 67
RAYTHEON TECHNOLOGIES CORP COM 75513E101 445 5,431 SH   OTR   5,431 0 0
ROBINHOOD MKTS INC COM CL A 770700102 146 14,434 SH   SOLE   14,434 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 44,736 125,248 SH   SOLE   119,541 435 5,272
SPDR S&P 500 ETF TR TR UNIT 78462F103 76 213 SH   OTR   213 0 0
SPDR SER TR PRTFLO S&P500 GW 78464A409 1,641 32,746 SH   SOLE   32,198 0 548
SPDR SER TR S&P DIVID ETF 78464A763 788 7,065 SH   SOLE   7,065 0 0
SPDR SER TR PRTFLO S&P500 HI 78468R788 911 25,677 SH   SOLE   25,677 0 0
SALESFORCE INC COM 79466L302 1,893 13,158 SH   SOLE   12,970 0 188
SALESFORCE INC COM 79466L302 16 110 SH   OTR   110 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 796 6,700 SH   SOLE   6,700 0 0
SHERWIN WILLIAMS CO COM 824348106 585 2,855 SH   SOLE   2,805 0 50
STRYKER CORPORATION COM 863667101 1,350 6,663 SH   SOLE   6,413 0 250
TJX COS INC NEW COM 872540109 2,863 46,081 SH   SOLE   45,703 0 378
TJX COS INC NEW COM 872540109 220 3,543 SH   OTR   3,543 0 0
T-MOBILE US INC COM 872590104 1,499 11,171 SH   SOLE   10,949 0 222
TARGET CORP COM 87612E106 433 2,918 SH   SOLE   2,918 0 0
TARGET CORP COM 87612E106 4 25 SH   OTR   25 0 0
TEXAS INSTRS INC COM 882508104 493 3,182 SH   SOLE   3,182 0 0
3M CO COM 88579Y101 220 1,990 SH   SOLE   1,990 0 0
TRUIST FINL CORP COM 89832Q109 1,315 30,199 SH   SOLE   29,641 0 558
ULTA BEAUTY INC COM 90384S303 321 799 SH   SOLE   799 0 0
ULTA BEAUTY INC COM 90384S303 4 10 SH   OTR   10 0 0
UNILEVER PLC SPON ADR NEW 904767704 913 20,829 SH   SOLE   20,829 0 0
UNION PAC CORP COM 907818108 3,734 19,168 SH   SOLE   18,919 0 249
UNION PAC CORP COM 907818108 166 854 SH   OTR   854 0 0
UNITEDHEALTH GROUP INC COM 91324P102 3,401 6,735 SH   SOLE   6,548 0 187
UNITEDHEALTH GROUP INC COM 91324P102 202 400 SH   OTR   400 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 388 10,684 SH   SOLE   9,694 0 990
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 43 1,170 SH   OTR   670 500 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 341 7,697 SH   SOLE   7,697 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 573 15,700 SH   SOLE   15,325 0 375
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 13 350 SH   OTR   200 150 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 2,179 29,332 SH   SOLE   28,216 0 1,116
VERIZON COMMUNICATIONS INC COM 92343V104 2,535 66,762 SH   SOLE   65,445 0 1,317
VERIZON COMMUNICATIONS INC COM 92343V104 223 5,872 SH   OTR   5,872 0 0
VISA INC COM CL A 92826C839 5,751 32,373 SH   SOLE   32,124 0 249
VISA INC COM CL A 92826C839 359 2,020 SH   OTR   1,920 100 0
WALMART INC COM 931142103 3,877 29,889 SH   SOLE   29,394 0 495
WALMART INC COM 931142103 10 75 SH   OTR   75 0 0
WASTE MGMT INC DEL COM 94106L109 333 2,076 SH   SOLE   2,076 0 0
WASTE MGMT INC DEL COM 94106L109 12 75 SH   OTR   75 0 0
XYLEM INC COM 98419M100 238 2,729 SH   SOLE   2,729 0 0
ZIMMER BIOMET HOLDINGS INC COM 98956P102 41 390 SH   SOLE   390 0 0
ZIMMER BIOMET HOLDINGS INC COM 98956P102 291 2,780 SH   OTR   2,780 0 0