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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   3,236,387 10,488 SH   SOLE   10,204 0 284
CHUBB LIMITED COM H1467J104   3,403,883 17,677 SH   SOLE   17,424 0 253
CHUBB LIMITED COM H1467J104   88,385 459 SH   OTR   421 38 0
NXP SEMICONDUCTORS N V COM N6596X109   1,687,791 8,246 SH   SOLE   8,016 0 230
NXP SEMICONDUCTORS N V COM N6596X109   102,340 500 SH   OTR   500 0 0
AT&T INC COM 00206R102   107,327 6,729 SH   SOLE   6,729 0 0
AT&T INC COM 00206R102   99,687 6,250 SH   OTR   6,250 0 0
ABBOTT LABS COM 002824100   1,506,438 13,818 SH   SOLE   13,718 0 100
ABBOTT LABS COM 002824100   110,110 1,010 SH   OTR   1,010 0 0
ABBVIE INC COM 00287Y109   384,654 2,855 SH   SOLE   2,855 0 0
ABBVIE INC COM 00287Y109   226,076 1,678 SH   OTR   1,678 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101   702,189 1,436 SH   SOLE   1,169 0 267
AGILENT TECHNOLOGIES INC COM 00846U101   230,038 1,913 SH   SOLE   1,913 0 0
AGILENT TECHNOLOGIES INC COM 00846U101   12,385 103 SH   OTR   103 0 0
AIR PRODS & CHEMS INC COM 009158106   516,988 1,726 SH   SOLE   1,726 0 0
ALPHABET INC CAP STK CL C 02079K107   855,136 7,069 SH   SOLE   7,069 0 0
ALPHABET INC CAP STK CL C 02079K107   29,032 240 SH   OTR   240 0 0
ALPHABET INC CAP STK CL A 02079K305   9,033,399 75,467 SH   SOLE   74,777 0 690
ALPHABET INC CAP STK CL A 02079K305   383,040 3,200 SH   OTR   3,020 180 0
AMAZON COM INC COM 023135106   5,474,337 41,994 SH   SOLE   41,494 0 500
AMAZON COM INC COM 023135106   13,036 100 SH   OTR   100 0 0
AMERICAN EXPRESS CO COM 025816109   1,544,457 8,866 SH   SOLE   8,801 0 65
AMERICAN EXPRESS CO COM 025816109   101,036 580 SH   OTR   580 0 0
AMERICAN TOWER CORP NEW COM 03027X100   1,756,126 9,055 SH   SOLE   8,854 0 201
AMGEN INC COM 031162100   262,427 1,182 SH   SOLE   1,182 0 0
AMGEN INC COM 031162100   74,376 335 SH   OTR   300 35 0
APPLE INC COM 037833100   17,289,709 89,136 SH   SOLE   87,837 0 1,299
APPLE INC COM 037833100   1,856,098 9,569 SH   OTR   9,341 228 0
APPLIED MATLS INC COM 038222105   484,209 3,350 SH   OTR   3,350 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   479,142 2,180 SH   SOLE   2,180 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   398,918 1,815 SH   OTR   1,815 0 0
BALL CORP COM 058498106   373,824 6,422 SH   SOLE   6,422 0 0
BANK AMERICA CORP COM 060505104   2,377,282 82,861 SH   SOLE   81,734 0 1,127
BANK AMERICA CORP COM 060505104   65,987 2,300 SH   OTR   2,300 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   172,205 505 SH   SOLE   505 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   47,740 140 SH   OTR   140 0 0
BERKSHIRE HILLS BANCORP INC COM 084680107   225,811 10,893 SH   SOLE   100 0 10,793
BLACKROCK INC COM 09247X101   3,716,950 5,378 SH   SOLE   5,287 0 91
BLACKROCK INC COM 09247X101   289,587 419 SH   OTR   393 26 0
BRILLIANT TECH CORP COM 109542100   5 53,333 SH   SOLE   53,333 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   1,013,799 15,853 SH   SOLE   15,758 0 95
BRISTOL-MYERS SQUIBB CO COM 110122108   679,788 10,630 SH   OTR   10,630 0 0
BROADCOM INC COM 11135F101   327,021 377 SH   SOLE   375 0 2
BROADCOM INC COM 11135F101   104,091 120 SH   OTR   120 0 0
THE CIGNA GROUP COM 125523100   30,585 109 SH   SOLE   109 0 0
THE CIGNA GROUP COM 125523100   210,450 750 SH   OTR   737 13 0
CARRIER GLOBAL CORPORATION COM 14448C104   76,056 1,530 SH   SOLE   1,530 0 0
CARRIER GLOBAL CORPORATION COM 14448C104   243,081 4,890 SH   OTR   4,890 0 0
CATERPILLAR INC COM 149123101   2,226,752 9,050 SH   SOLE   8,850 0 200
CATERPILLAR INC COM 149123101   113,183 460 SH   OTR   460 0 0
CHEVRON CORP NEW COM 166764100   2,612,796 16,605 SH   SOLE   16,427 0 178
CHEVRON CORP NEW COM 166764100   268,281 1,705 SH   OTR   1,705 0 0
CISCO SYS INC COM 17275R102   3,895,297 75,286 SH   SOLE   73,793 0 1,493
CISCO SYS INC COM 17275R102   236,813 4,577 SH   OTR   4,577 0 0
COCA COLA CO COM 191216100   217,996 3,620 SH   SOLE   3,620 0 0
COCA COLA CO COM 191216100   112,611 1,870 SH   OTR   1,870 0 0
COLGATE PALMOLIVE CO COM 194162103   151,691 1,969 SH   SOLE   1,969 0 0
COLGATE PALMOLIVE CO COM 194162103   196,452 2,550 SH   OTR   2,550 0 0
CONOCOPHILLIPS COM 20825C104   93,456 902 SH   SOLE   902 0 0
CONOCOPHILLIPS COM 20825C104   189,606 1,830 SH   OTR   1,830 0 0
CONSTELLATION BRANDS INC CL A 21036P108   246,130 1,000 SH   SOLE   1,000 0 0
COSTCO WHSL CORP NEW COM 22160K105   609,984 1,133 SH   SOLE   1,107 0 26
COSTCO WHSL CORP NEW COM 22160K105   40,378 75 SH   OTR   75 0 0
DANAHER CORPORATION COM 235851102   6,155,040 25,646 SH   SOLE   25,288 0 358
DANAHER CORPORATION COM 235851102   60,000 250 SH   OTR   250 0 0
DEERE & CO COM 244199105   1,134,126 2,799 SH   SOLE   2,799 0 0
DISNEY WALT CO COM 254687106   2,185,128 24,475 SH   SOLE   24,157 0 318
DISNEY WALT CO COM 254687106   95,529 1,070 SH   OTR   1,045 25 0
DOMINION ENERGY INC COM 25746U109   1,583,789 30,581 SH   SOLE   30,095 0 486
DOMINION ENERGY INC COM 25746U109   120,049 2,318 SH   OTR   2,318 0 0
DOW INC COM 260557103   1,321,966 24,821 SH   SOLE   24,111 0 710
DOW INC COM 260557103   15,924 299 SH   OTR   299 0 0
EMERSON ELEC CO COM 291011104   81,351 900 SH   SOLE   900 0 0
EMERSON ELEC CO COM 291011104   865,393 9,574 SH   OTR   9,574 0 0
EXXON MOBIL CORP COM 30231G102   4,776,271 44,534 SH   SOLE   43,905 208 421
EXXON MOBIL CORP COM 30231G102   1,359,501 12,676 SH   OTR   12,676 0 0
META PLATFORMS INC CL A 30303M102   473,230 1,649 SH   SOLE   1,649 0 0
META PLATFORMS INC CL A 30303M102   47,351 165 SH   OTR   65 100 0
FASTENAL CO COM 311900104   330,520 5,603 SH   SOLE   5,603 0 0
FEDEX CORP COM 31428X106   1,904,615 7,683 SH   SOLE   7,553 0 130
FEDEX CORP COM 31428X106   14,874 60 SH   OTR   60 0 0
FIRST TR EXCHANGE-TRADED FD NASD TECH DIV 33738R118   648,368 11,053 SH   SOLE   11,053 0 0
GENERAL DYNAMICS CORP COM 369550108   641,792 2,983 SH   SOLE   2,983 0 0
GENERAL DYNAMICS CORP COM 369550108   5,378 25 SH   OTR   25 0 0
GENERAL ELECTRIC CO COM NEW 369604301   466,313 4,245 SH   SOLE   4,245 0 0
GENERAL ELECTRIC CO COM NEW 369604301   64,481 587 SH   OTR   587 0 0
HERSHEY CO COM 427866108   368,557 1,476 SH   SOLE   1,476 0 0
HOME DEPOT INC COM 437076102   5,270,939 16,968 SH   SOLE   16,696 0 272
HOME DEPOT INC COM 437076102   641,782 2,066 SH   OTR   2,066 0 0
HONEYWELL INTL INC COM 438516106   1,968,760 9,488 SH   SOLE   9,293 0 195
HONEYWELL INTL INC COM 438516106   41,500 200 SH   OTR   200 0 0
IDEXX LABS INC COM 45168D104   692,575 1,379 SH   SOLE   1,339 0 40
ILLINOIS TOOL WKS INC COM 452308109   776,496 3,104 SH   SOLE   2,974 0 130
INTERNATIONAL BUSINESS MACHS COM 459200101   486,265 3,634 SH   SOLE   2,963 57 614
INTERNATIONAL BUSINESS MACHS COM 459200101   44,826 335 SH   OTR   335 0 0
INTERPUBLIC GROUP COS INC COM 460690100   861,105 22,320 SH   SOLE   18,589 0 3,731
INVESCO QQQ TR UNIT SER 1 00461E107   919,855 2,490 SH   SOLE   2,490 0 0
INTUIT COM 461202103   272,164 594 SH   SOLE   594 0 0
INVESCO EXCH TRADED FD TR II SOLAR ETF 46138G706   1,917,841 26,853 SH   SOLE   25,848 0 1,005
ISHARES TR CORE S&P500 ETF 464287200   3,250,563 7,293 SH   SOLE   5,793 0 1,500
ISHARES TR CORE S&P500 ETF 464287200   1,179,794 2,647 SH   OTR   2,647 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   291,952 7,380 SH   SOLE   7,380 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   18,988 480 SH   OTR   480 0 0
ISHARES TR MSCI EAFE ETF 464287465   741,095 10,222 SH   SOLE   10,222 0 0
ISHARES TR MSCI EAFE ETF 464287465   138,475 1,910 SH   OTR   1,910 0 0
ISHARES TR RUS MDCP VAL ETF 464287473   2,045,989 18,627 SH   SOLE   18,627 0 0
ISHARES TR RUS MD CP GR ETF 464287481   4,335,401 44,866 SH   SOLE   44,246 100 520
ISHARES TR RUS MD CP GR ETF 464287481   60,876 630 SH   OTR   330 300 0
ISHARES TR CORE S&P MCP ETF 464287507   829,937 3,174 SH   SOLE   3,174 0 0
ISHARES TR CORE S&P MCP ETF 464287507   753,846 2,883 SH   OTR   2,883 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   322,510 1,172 SH   SOLE   1,172 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   221,353 1,182 SH   SOLE   1,182 0 0
ISHARES TR CORE S&P SCP ETF 464287804   177,675 1,783 SH   SOLE   1,783 0 0
ISHARES TR CORE S&P SCP ETF 464287804   351,266 3,525 SH   OTR   3,525 0 0
ISHARES TR INTL SEL DIV ETF 464288448   951,855 36,151 SH   SOLE   35,697 0 454
ISHARES TR ISHS 5-10YR INVT 464288638   369,262 7,302 SH   SOLE   7,302 0 0
ISHARES TR ISHS 5-10YR INVT 464288638   24,020 475 SH   OTR   475 0 0
ISHARES TR 3 7 YR TREAS BD 464288661   21,288,176 184,697 SH   SOLE   181,615 108 2,974
ISHARES TR 3 7 YR TREAS BD 464288661   2,305 20 SH   OTR   20 0 0
ISHARES TR CORE HIGH DV ETF 46429B663   1,181,661 11,724 SH   SOLE   11,553 0 171
ISHARES TR MSCI USA MIN VOL 46429B697   3,468,981 46,670 SH   SOLE   46,445 0 225
ISHARES TR MSCI USA MIN VOL 46429B697   41,476 558 SH   OTR   558 0 0
ISHARES TR CORE MSCI TOTAL 46432F834   493,195 7,876 SH   SOLE   7,876 0 0
ISHARES TR CORE MSCI EAFE 46432F842   19,575,405 290,006 SH   SOLE   288,008 0 1,998
ISHARES TR CORE MSCI EAFE 46432F842   262,237 3,885 SH   OTR   3,885 0 0
ISHARES INC CORE MSCI EMKT 46434G103   2,736,925 55,527 SH   SOLE   55,237 0 290
ISHARES INC CORE MSCI EMKT 46434G103   49,290 1,000 SH   OTR   1,000 0 0
ISHARES TR MSCI GBL SUS DEV 46435G532   1,160,058 14,675 SH   SOLE   12,166 0 2,509
JPMORGAN CHASE & CO COM 46625H100   5,593,622 38,460 SH   SOLE   37,893 0 567
JPMORGAN CHASE & CO COM 46625H100   519,220 3,570 SH   OTR   3,570 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   17,107,066 341,186 SH   SOLE   331,223 0 9,963
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   7,521 150 SH   OTR   0 150 0
JOHNSON & JOHNSON COM 478160104   3,071,885 18,559 SH   SOLE   18,191 0 368
JOHNSON & JOHNSON COM 478160104   494,408 2,987 SH   OTR   2,987 0 0
KIMBERLY-CLARK CORP COM 494368103   122,735 889 SH   SOLE   889 0 0
KIMBERLY-CLARK CORP COM 494368103   82,836 600 SH   OTR   600 0 0
KINERJAPAY CORP COM 49460M101   0 595,000 SH   SOLE   595,000 0 0
LILLY ELI & CO COM 532457108   1,557,482 3,321 SH   SOLE   3,321 0 0
LILLY ELI & CO COM 532457108   144,445 308 SH   OTR   243 65 0
LOCKHEED MARTIN CORP COM 539830109   493,066 1,071 SH   SOLE   1,071 0 0
LOCKHEED MARTIN CORP COM 539830109   41,434 90 SH   OTR   90 0 0
LOWES COS INC COM 548661107   293,410 1,300 SH   SOLE   1,300 0 0
LOWES COS INC COM 548661107   11,285 50 SH   OTR   50 0 0
MCCORMICK & CO INC COM NON VTG 579780206   410,417 4,705 SH   SOLE   4,705 0 0
MCCORMICK & CO INC COM NON VTG 579780206   13,084 150 SH   OTR   150 0 0
MCDONALDS CORP COM 580135101   2,668,680 8,943 SH   SOLE   8,753 0 190
MCDONALDS CORP COM 580135101   420,758 1,410 SH   OTR   1,410 0 0
MERCK & CO INC COM 58933Y105   4,213,581 36,516 SH   SOLE   35,657 0 859
MERCK & CO INC COM 58933Y105   1,637,614 14,192 SH   OTR   14,192 0 0
METLIFE INC COM 59156R108   2,983,822 52,783 SH   SOLE   51,911 0 872
METLIFE INC COM 59156R108   73,489 1,300 SH   OTR   1,300 0 0
MICROSOFT CORP COM 594918104   15,556,207 45,681 SH   SOLE   45,021 0 660
MICROSOFT CORP COM 594918104   1,641,402 4,820 SH   OTR   4,820 0 0
MORGAN STANLEY COM NEW 617446448   654,761 7,667 SH   SOLE   7,667 0 0
NEXTERA ENERGY INC COM 65339F101   3,239,572 43,660 SH   SOLE   43,104 0 556
NEXTERA ENERGY INC COM 65339F101   138,902 1,872 SH   OTR   1,872 0 0
NIKE INC CL B 654106103   1,501,142 13,601 SH   SOLE   13,201 0 400
NIKE INC CL B 654106103   154,518 1,400 SH   OTR   1,400 0 0
NOVARTIS AG SPONSORED ADR 66987V109   478,717 4,744 SH   SOLE   4,744 0 0
NOVARTIS AG SPONSORED ADR 66987V109   33,300 330 SH   OTR   330 0 0
NVIDIA CORPORATION COM 67066G104   6,841,925 16,174 SH   SOLE   15,712 0 462
NVIDIA CORPORATION COM 67066G104   289,768 685 SH   OTR   685 0 0
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201   430,244 6,916 SH   SOLE   6,903 0 13
ORACLE CORP COM 68389X105   250,089 2,100 SH   SOLE   2,100 0 0
ORACLE CORP COM 68389X105   18,458 155 SH   OTR   0 155 0
OWENS CORNING NEW COM 690742101   3,656,740 28,021 SH   SOLE   27,261 0 760
PNC FINL SVCS GROUP INC COM 693475105   433,016 3,438 SH   SOLE   3,438 0 0
PALO ALTO NETWORKS INC COM 697435105   324,753 1,271 SH   SOLE   1,271 0 0
PALO ALTO NETWORKS INC COM 697435105   30,661 120 SH   OTR   0 120 0
PAYPAL HLDGS INC COM 70450Y103   1,135,744 17,020 SH   SOLE   16,872 0 148
PAYPAL HLDGS INC COM 70450Y103   9,342 140 SH   OTR   140 0 0
PEPSICO INC COM 713448108   1,346,734 7,271 SH   SOLE   7,171 0 100
PEPSICO INC COM 713448108   538,990 2,910 SH   OTR   2,910 0 0
PFIZER INC COM 717081103   1,061,959 28,952 SH   SOLE   28,856 0 96
PFIZER INC COM 717081103   72,993 1,990 SH   OTR   1,990 0 0
PROCTER AND GAMBLE CO COM 742718109   5,295,726 34,900 SH   SOLE   33,933 340 627
PROCTER AND GAMBLE CO COM 742718109   315,619 2,080 SH   OTR   2,080 0 0
PROLOGIS INC. COM 74340W103   462,928 3,775 SH   SOLE   2,843 0 932
RAYTHEON TECHNOLOGIES CORP COM 00755E105   212,769 2,172 SH   SOLE   2,105 0 67
RAYTHEON TECHNOLOGIES CORP COM 00755E105   503,024 5,135 SH   OTR   5,135 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   49,271,458 111,152 SH   SOLE   107,907 435 2,810
SPDR S&P 500 ETF TR TR UNIT 78462F103   52,307 118 SH   OTR   118 0 0
SPDR SER TR PRTFLO S&P500 GW 78464A409   1,073,043 17,588 SH   SOLE   17,346 0 242
SPDR SER TR S&P DIVID ETF 78464A763   908,562 7,412 SH   SOLE   7,412 0 0
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   2,218,922 24,166 SH   SOLE   24,166 0 0
SPDR SER TR PRTFLO S&P500 HI 78468R788   1,271,473 34,290 SH   SOLE   34,290 0 0
SPDR SER TR PRTFLO S&P500 HI 78468R788   37,080 1,000 SH   OTR   1,000 0 0
SALESFORCE INC COM 79466L302   1,643,814 7,781 SH   SOLE   7,653 0 128
SALESFORCE INC COM 79466L302   12,675 60 SH   OTR   60 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   1,097,578 6,313 SH   SOLE   6,313 0 0
SHERWIN WILLIAMS CO COM 824348106   369,869 1,393 SH   SOLE   1,393 0 0
STRYKER CORPORATION COM 863667101   2,443,160 8,008 SH   SOLE   7,738 0 270
TJX COS INC NEW COM 872540109   3,531,333 41,648 SH   SOLE   41,270 0 378
TJX COS INC NEW COM 872540109   292,355 3,448 SH   OTR   3,448 0 0
T-MOBILE US INC COM 872590104   1,298,020 9,345 SH   SOLE   9,123 0 222
TARGET CORP COM 00876E110   638,000 4,837 SH   SOLE   3,630 0 1,207
TARGET CORP COM 00876E110   3,297 25 SH   OTR   25 0 0
TEXAS INSTRS INC COM 882508104   1,424,498 7,913 SH   SOLE   7,733 0 180
ULTA BEAUTY INC COM 90384S303   286,121 608 SH   SOLE   608 0 0
UNILEVER PLC SPON ADR NEW 904767704   2,890,921 55,456 SH   SOLE   52,277 0 3,179
UNILEVER PLC SPON ADR NEW 904767704   10,843 208 SH   OTR   208 0 0
UNION PAC CORP COM 907818108   3,488,361 17,048 SH   SOLE   16,799 0 249
UNION PAC CORP COM 907818108   119,498 584 SH   OTR   584 0 0
UNITEDHEALTH GROUP INC COM 91324P102   3,128,485 6,509 SH   SOLE   6,307 0 202
UNITEDHEALTH GROUP INC COM 91324P102   192,256 400 SH   OTR   400 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   369,624 8,004 SH   SOLE   7,379 0 625
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   54,030 1,170 SH   OTR   670 500 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   294,521 5,413 SH   SOLE   5,413 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   1,115,758 14,747 SH   SOLE   13,791 0 956
VERIZON COMMUNICATIONS INC COM 92343V104   2,233,817 60,065 SH   SOLE   58,758 0 1,307
VERIZON COMMUNICATIONS INC COM 92343V104   272,602 7,330 SH   OTR   7,330 0 0
VISA INC COM CL A 92826C839   6,977,637 29,382 SH   SOLE   29,133 0 249
VISA INC COM CL A 92826C839   403,716 1,700 SH   OTR   1,600 100 0
WALMART INC COM 931142103   4,081,335 25,966 SH   SOLE   25,457 0 509
WALMART INC COM 931142103   76,232 485 SH   OTR   485 0 0
WASTE MGMT INC DEL COM 94106L109   506,559 2,921 SH   SOLE   2,388 0 533
WASTE MGMT INC DEL COM 94106L109   13,006 75 SH   OTR   75 0 0
XYLEM INC COM 98419M100   418,946 3,720 SH   SOLE   3,034 0 686
ZIMMER BIOMET HOLDINGS INC COM 98956P102   56,784 390 SH   SOLE   390 0 0
ZIMMER BIOMET HOLDINGS INC COM 98956P102   393,120 2,700 SH   OTR   2,700 0 0