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   3,222,505 10,493 SH   SOLE   10,209 0 284
CHUBB LIMITED COM H1467J104   3,641,068 17,490 SH   SOLE   17,237 0 253
CHUBB LIMITED COM H1467J104   95,554 459 SH   OTR   421 38 0
NXP SEMICONDUCTORS N V COM N6596X109   1,627,948 8,143 SH   SOLE   7,913 0 230
NXP SEMICONDUCTORS N V COM N6596X109   159,936 800 SH   OTR   800 0 0
AT&T INC COM 00206R102   152,047 10,123 SH   SOLE   10,123 0 0
AT&T INC COM 00206R102   96,128 6,400 SH   OTR   6,400 0 0
ABBOTT LABS COM 002824100   1,331,687 13,750 SH   SOLE   13,625 0 125
ABBOTT LABS COM 002824100   97,818 1,010 SH   OTR   1,010 0 0
ABBVIE INC COM 00287Y109   422,734 2,836 SH   SOLE   2,836 0 0
ABBVIE INC COM 00287Y109   250,122 1,678 SH   OTR   1,678 0 0
ADOBE INC COM 00724F101   707,741 1,388 SH   SOLE   1,121 0 267
AGILENT TECHNOLOGIES INC COM 00846U101   213,911 1,913 SH   SOLE   1,913 0 0
AGILENT TECHNOLOGIES INC COM 00846U101   11,517 103 SH   OTR   103 0 0
AIR PRODS & CHEMS INC COM 009158106   489,148 1,726 SH   SOLE   1,726 0 0
AIR PRODS & CHEMS INC COM 009158106   28,340 100 SH   OTR   100 0 0
ALPHABET INC CAP STK CL C 02079K107   925,455 7,019 SH   SOLE   7,019 0 0
ALPHABET INC CAP STK CL C 02079K107   58,014 440 SH   OTR   440 0 0
ALPHABET INC CAP STK CL A 02079K305   9,823,791 75,071 SH   SOLE   74,381 0 690
ALPHABET INC CAP STK CL A 02079K305   444,924 3,400 SH   OTR   3,220 180 0
AMAZON COM INC COM 023135106   5,225,648 41,108 SH   SOLE   40,828 0 280
AMAZON COM INC COM 023135106   12,712 100 SH   OTR   100 0 0
AMERICAN EXPRESS CO COM 025816109   1,317,347 8,830 SH   SOLE   8,759 0 71
AMERICAN EXPRESS CO COM 025816109   86,530 580 SH   OTR   580 0 0
AMERICAN TOWER CORP NEW COM 03027X100   1,472,978 8,957 SH   SOLE   8,756 0 201
AMGEN INC COM 031162100   331,112 1,232 SH   SOLE   1,182 0 50
AMGEN INC COM 031162100   130,348 485 SH   OTR   450 35 0
APPLE INC COM 037833100   15,144,209 88,454 SH   SOLE   87,155 0 1,299
APPLE INC COM 037833100   1,788,973 10,449 SH   OTR   10,221 228 0
APPLIED MATLS INC COM 038222105   463,807 3,350 SH   OTR   3,350 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   524,464 2,180 SH   SOLE   2,180 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   436,652 1,815 SH   OTR   1,815 0 0
BALL CORP COM 058498106   363,443 7,301 SH   SOLE   7,301 0 0
BANK AMERICA CORP COM 060505104   2,231,387 81,497 SH   SOLE   81,054 0 443
BANK AMERICA CORP COM 060505104   62,974 2,300 SH   OTR   2,300 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   166,392 475 SH   SOLE   475 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   49,042 140 SH   OTR   140 0 0
BERKSHIRE HILLS BANCORP INC COM 084680107   252,309 12,584 SH   SOLE   1,691 0 10,893
BLACKROCK INC COM 09247X101   3,467,772 5,364 SH   SOLE   5,273 0 91
BLACKROCK INC COM 09247X101   292,859 453 SH   OTR   427 26 0
BRILLIANT TECH CORP COM 109542100   5 53,333 SH   SOLE   53,333 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   909,718 15,674 SH   SOLE   15,579 0 95
BRISTOL-MYERS SQUIBB CO COM 110122108   626,832 10,800 SH   OTR   10,800 0 0
BROADCOM INC COM 11135F101   313,128 377 SH   SOLE   375 0 2
BROADCOM INC COM 11135F101   99,669 120 SH   OTR   120 0 0
THE CIGNA GROUP COM 125523100   31,181 109 SH   SOLE   109 0 0
THE CIGNA GROUP COM 125523100   214,552 750 SH   OTR   737 13 0
CARRIER GLOBAL CORPORATION COM 14448C104   84,456 1,530 SH   SOLE   1,530 0 0
CARRIER GLOBAL CORPORATION COM 14448C104   269,928 4,890 SH   OTR   4,890 0 0
CATERPILLAR INC COM 149123101   2,442,804 8,948 SH   SOLE   8,748 0 200
CATERPILLAR INC COM 149123101   166,530 610 SH   OTR   610 0 0
CHEVRON CORP NEW COM 166764100   2,752,721 16,325 SH   SOLE   16,237 0 88
CHEVRON CORP NEW COM 166764100   287,497 1,705 SH   OTR   1,705 0 0
CISCO SYS INC COM 17275R102   4,039,526 75,140 SH   SOLE   73,647 0 1,493
CISCO SYS INC COM 17275R102   246,059 4,577 SH   OTR   4,577 0 0
COCA COLA CO COM 191216100   187,924 3,357 SH   SOLE   3,357 0 0
COCA COLA CO COM 191216100   104,682 1,870 SH   OTR   1,870 0 0
COLGATE PALMOLIVE CO COM 194162103   140,015 1,969 SH   SOLE   1,969 0 0
COLGATE PALMOLIVE CO COM 194162103   195,552 2,750 SH   OTR   2,750 0 0
CONOCOPHILLIPS COM 20825C104   90,568 756 SH   SOLE   756 0 0
CONOCOPHILLIPS COM 20825C104   219,234 1,830 SH   OTR   1,830 0 0
CONSTELLATION BRANDS INC CL A 21036P108   251,330 1,000 SH   SOLE   1,000 0 0
COSTCO WHSL CORP NEW COM 22160K105   653,093 1,156 SH   SOLE   1,130 0 26
COSTCO WHSL CORP NEW COM 22160K105   87,568 155 SH   OTR   155 0 0
DANAHER CORPORATION COM 235851102   6,349,375 25,592 SH   SOLE   25,234 0 358
DANAHER CORPORATION COM 235851102   99,240 400 SH   OTR   400 0 0
DEERE & CO COM 244199105   1,067,608 2,829 SH   SOLE   2,829 0 0
DISNEY WALT CO COM 254687106   1,936,608 23,894 SH   SOLE   23,576 0 318
DISNEY WALT CO COM 254687106   101,312 1,250 SH   OTR   1,225 25 0
DOMINION ENERGY INC COM 25746U109   1,337,732 29,947 SH   SOLE   29,892 0 55
DOMINION ENERGY INC COM 25746U109   103,545 2,318 SH   OTR   2,318 0 0
DOW INC COM 260557103   1,346,180 26,109 SH   SOLE   25,399 0 710
DOW INC COM 260557103   15,416 299 SH   OTR   299 0 0
EMERSON ELEC CO COM 291011104   86,913 900 SH   SOLE   900 0 0
EMERSON ELEC CO COM 291011104   924,561 9,574 SH   OTR   9,574 0 0
EVERSOURCE ENERGY COM 30040W108   398,211 6,848 SH   SOLE   6,848 0 0
EVERSOURCE ENERGY COM 30040W108   95,947 1,650 SH   OTR   1,650 0 0
EXXON MOBIL CORP COM 30231G102   4,729,655 40,225 SH   SOLE   39,830 208 187
EXXON MOBIL CORP COM 30231G102   1,490,444 12,676 SH   OTR   12,676 0 0
META PLATFORMS INC CL A 30303M102   492,044 1,639 SH   SOLE   1,639 0 0
META PLATFORMS INC CL A 30303M102   49,534 165 SH   OTR   65 100 0
FASTENAL CO COM 311900104   315,655 5,777 SH   SOLE   5,777 0 0
FEDEX CORP COM 31428X106   2,024,253 7,641 SH   SOLE   7,501 0 140
FEDEX CORP COM 31428X106   15,895 60 SH   OTR   60 0 0
FIRST TR EXCHANGE-TRADED FD NASD TECH DIV 33738R118   623,832 11,122 SH   SOLE   11,122 0 0
GENERAL DYNAMICS CORP COM 369550108   659,153 2,983 SH   SOLE   2,983 0 0
GENERAL DYNAMICS CORP COM 369550108   5,524 25 SH   OTR   25 0 0
GENERAL ELECTRIC CO COM NEW 369604301   478,681 4,330 SH   SOLE   4,330 0 0
GENERAL ELECTRIC CO COM NEW 369604301   64,892 587 SH   OTR   587 0 0
HERSHEY CO COM 427866108   295,318 1,476 SH   SOLE   1,476 0 0
HOME DEPOT INC COM 437076102   5,137,022 17,001 SH   SOLE   16,707 0 294
HOME DEPOT INC COM 437076102   723,975 2,396 SH   OTR   2,396 0 0
HONEYWELL INTL INC COM 438516106   1,742,837 9,434 SH   SOLE   9,239 0 195
HONEYWELL INTL INC COM 438516106   36,948 200 SH   OTR   200 0 0
IDEXX LABS INC COM 45168D104   593,812 1,358 SH   SOLE   1,318 0 40
ILLINOIS TOOL WKS INC COM 452308109   720,870 3,130 SH   SOLE   3,130 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   534,543 3,810 SH   SOLE   3,139 57 614
INTERNATIONAL BUSINESS MACHS COM 459200101   47,000 335 SH   OTR   335 0 0
INTERPUBLIC GROUP COS INC COM 460690100   639,691 22,320 SH   SOLE   18,589 0 3,731
INVESCO QQQ TR UNIT SER 1 46090E103   892,092 2,490 SH   SOLE   2,490 0 0
INTUIT COM 461202103   303,498 594 SH   SOLE   594 0 0
INVESCO EXCH TRADED FD TR II SOLAR ETF 46138G706   1,425,467 27,524 SH   SOLE   26,474 0 1,050
ISHARES TR CORE S&P500 ETF 464287200   2,346,834 5,465 SH   SOLE   4,335 0 1,130
ISHARES TR CORE S&P500 ETF 464287200   1,136,701 2,647 SH   OTR   2,647 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   280,071 7,380 SH   SOLE   7,380 0 0
ISHARES TR MSCI EAFE ETF 464287465   704,500 10,222 SH   SOLE   10,222 0 0
ISHARES TR MSCI EAFE ETF 464287465   60,305 875 SH   OTR   875 0 0
ISHARES TR RUS MDCP VAL ETF 464287473   1,864,764 17,872 SH   SOLE   17,872 0 0
ISHARES TR RUS MD CP GR ETF 464287481   3,982,129 43,592 SH   SOLE   42,988 100 504
ISHARES TR RUS MD CP GR ETF 464287481   57,550 630 SH   OTR   330 300 0
ISHARES TR CORE S&P MCP ETF 464287507   791,436 3,174 SH   SOLE   3,174 0 0
ISHARES TR CORE S&P MCP ETF 464287507   718,876 2,883 SH   OTR   2,883 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   299,770 1,127 SH   SOLE   1,127 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   208,906 1,182 SH   SOLE   1,182 0 0
ISHARES TR CORE S&P SCP ETF 464287804   168,190 1,783 SH   SOLE   1,783 0 0
ISHARES TR CORE S&P SCP ETF 464287804   332,513 3,525 SH   OTR   3,525 0 0
ISHARES TR INTL SEL DIV ETF 464288448   942,467 37,105 SH   SOLE   36,651 0 454
ISHARES TR ISHS 5-10YR INVT 464288638   277,499 5,704 SH   SOLE   5,704 0 0
ISHARES TR ISHS 5-10YR INVT 464288638   19,460 400 SH   OTR   400 0 0
ISHARES TR 3 7 YR TREAS BD 464288661   20,075,602 177,409 SH   SOLE   174,247 108 3,054
ISHARES TR CORE HIGH DV ETF 46429B663   1,184,405 11,977 SH   SOLE   11,806 0 171
ISHARES TR CORE HIGH DV ETF 46429B663   18,986 192 SH   OTR   192 0 0
ISHARES TR MSCI USA MIN VOL 46429B697   3,817,465 52,742 SH   SOLE   52,477 0 265
ISHARES TR MSCI USA MIN VOL 46429B697   40,388 558 SH   OTR   558 0 0
ISHARES TR CORE MSCI TOTAL 46432F834   352,501 5,876 SH   SOLE   5,876 0 0
ISHARES TR CORE MSCI EAFE 46432F842   18,973,919 294,855 SH   SOLE   292,464 0 2,391
ISHARES TR CORE MSCI EAFE 46432F842   249,999 3,885 SH   OTR   3,885 0 0
ISHARES INC CORE MSCI EMKT 46434G103   2,671,940 56,145 SH   SOLE   55,746 0 399
ISHARES INC CORE MSCI EMKT 46434G103   47,590 1,000 SH   OTR   1,000 0 0
ISHARES TR MSCI GBL SUS DEV 46435G532   1,107,218 14,858 SH   SOLE   12,349 0 2,509
JPMORGAN CHASE & CO COM 46625H100   5,553,685 38,296 SH   SOLE   37,979 0 317
JPMORGAN CHASE & CO COM 46625H100   517,721 3,570 SH   OTR   3,570 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   16,832,630 335,445 SH   SOLE   325,505 0 9,940
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   7,527 150 SH   OTR   0 150 0
JOHNSON & JOHNSON COM 478160104   2,939,002 18,870 SH   SOLE   18,392 0 478
JOHNSON & JOHNSON COM 478160104   465,225 2,987 SH   OTR   2,987 0 0
KINERJAPAY CORP COM 49460M101   0 595,000 SH   SOLE   595,000 0 0
ELI LILLY & CO COM 532457108   1,687,125 3,141 SH   SOLE   3,141 0 0
ELI LILLY & CO COM 532457108   165,436 308 SH   OTR   243 65 0
LOCKHEED MARTIN CORP COM 539830109   417,548 1,021 SH   SOLE   1,021 0 0
LOCKHEED MARTIN CORP COM 539830109   36,806 90 SH   OTR   90 0 0
LOWES COS INC COM 548661107   207,840 1,000 SH   SOLE   1,000 0 0
LOWES COS INC COM 548661107   10,392 50 SH   OTR   50 0 0
MCCORMICK & CO INC COM NON VTG 579780206   344,237 4,551 SH   SOLE   4,551 0 0
MCCORMICK & CO INC COM NON VTG 579780206   11,346 150 SH   OTR   150 0 0
MCDONALDS CORP COM 580135101   2,305,626 8,752 SH   SOLE   8,702 0 50
MCDONALDS CORP COM 580135101   397,794 1,510 SH   OTR   1,510 0 0
MERCK & CO INC COM 58933Y105   3,685,918 35,803 SH   SOLE   34,944 0 859
MERCK & CO INC COM 58933Y105   1,502,246 14,592 SH   OTR   14,592 0 0
METLIFE INC COM 59156R108   3,284,656 52,212 SH   SOLE   51,340 0 872
METLIFE INC COM 59156R108   81,783 1,300 SH   OTR   1,300 0 0
MICROSOFT CORP COM 594918104   14,304,738 45,304 SH   SOLE   44,544 0 760
MICROSOFT CORP COM 594918104   1,608,430 5,094 SH   OTR   5,094 0 0
MORGAN STANLEY COM NEW 617446448   637,026 7,800 SH   SOLE   7,800 0 0
NEXTERA ENERGY INC COM 65339F101   2,548,030 44,476 SH   SOLE   43,920 0 556
NEXTERA ENERGY INC COM 65339F101   107,246 1,872 SH   OTR   1,872 0 0
NIKE INC CL B 654106103   1,316,018 13,763 SH   SOLE   13,763 0 0
NIKE INC CL B 654106103   133,868 1,400 SH   OTR   1,400 0 0
NOVARTIS AG SPONSORED ADR 66987V109   471,000 4,624 SH   SOLE   4,624 0 0
NOVARTIS AG SPONSORED ADR 66987V109   33,613 330 SH   OTR   330 0 0
NVIDIA CORPORATION COM 67066G104   7,109,041 16,343 SH   SOLE   15,981 0 362
NVIDIA CORPORATION COM 67066G104   297,968 685 SH   OTR   685 0 0
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201   405,157 6,756 SH   SOLE   6,743 0 13
ORACLE CORP COM 68389X105   222,432 2,100 SH   SOLE   2,100 0 0
ORACLE CORP COM 68389X105   16,417 155 SH   OTR   0 155 0
OWENS CORNING NEW COM 690742101   3,713,489 27,223 SH   SOLE   27,063 0 160
PNC FINL SVCS GROUP INC COM 693475105   422,083 3,438 SH   SOLE   3,438 0 0
PALO ALTO NETWORKS INC COM 697435105   297,973 1,271 SH   SOLE   1,271 0 0
PALO ALTO NETWORKS INC COM 697435105   28,132 120 SH   OTR   0 120 0
PAYPAL HLDGS INC COM 70450Y103   998,438 17,079 SH   SOLE   16,931 0 148
PAYPAL HLDGS INC COM 70450Y103   8,184 140 SH   OTR   140 0 0
PEPSICO INC COM 713448108   1,238,775 7,311 SH   SOLE   7,211 0 100
PEPSICO INC COM 713448108   539,496 3,184 SH   OTR   3,184 0 0
PFIZER INC COM 717081103   940,933 28,367 SH   SOLE   28,271 0 96
PFIZER INC COM 717081103   66,008 1,990 SH   OTR   1,990 0 0
PROCTER AND GAMBLE CO COM 742718109   5,073,594 34,784 SH   SOLE   33,757 340 687
PROCTER AND GAMBLE CO COM 742718109   303,388 2,080 SH   OTR   2,080 0 0
PROLOGIS INC. COM 74340W103   463,539 4,131 SH   SOLE   3,199 0 932
RTX CORPORATION COM 75513E101   156,318 2,172 SH   SOLE   2,105 0 67
RTX CORPORATION COM 75513E101   390,725 5,429 SH   OTR   5,429 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   46,649,182 109,126 SH   SOLE   105,760 435 2,931
SPDR S&P 500 ETF TR TR UNIT 78462F103   50,442 118 SH   OTR   118 0 0
SPDR SER TR PRTFLO S&P500 GW 78464A409   955,771 16,123 SH   SOLE   16,123 0 0
SPDR SER TR S&P DIVID ETF 78464A763   867,520 7,543 SH   SOLE   7,543 0 0
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   2,070,081 22,545 SH   SOLE   22,545 0 0
SPDR SER TR PRTFLO S&P500 HI 78468R788   1,213,351 34,598 SH   SOLE   34,598 0 0
SPDR SER TR PRTFLO S&P500 HI 78468R788   35,070 1,000 SH   OTR   1,000 0 0
SALESFORCE INC COM 79466L302   1,579,453 7,789 SH   SOLE   7,661 0 128
SALESFORCE INC COM 79466L302   22,305 110 SH   OTR   110 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   1,034,890 6,313 SH   SOLE   6,313 0 0
SHERWIN WILLIAMS CO COM 824348106   349,673 1,371 SH   SOLE   1,371 0 0
STRYKER CORPORATION COM 863667101   2,249,831 8,233 SH   SOLE   7,963 0 270
TJX COS INC NEW COM 872540109   3,698,563 41,613 SH   SOLE   41,235 0 378
TJX COS INC NEW COM 872540109   333,122 3,748 SH   OTR   3,748 0 0
T-MOBILE US INC COM 872590104   1,295,182 9,248 SH   SOLE   9,026 0 222
TARGET CORP COM 87612E106   581,377 5,258 SH   SOLE   4,051 0 1,207
TARGET CORP COM 87612E106   2,764 25 SH   OTR   25 0 0
TEXAS INSTRS INC COM 882508104   1,306,108 8,214 SH   SOLE   8,034 0 180
THERMO FISHER SCIENTIFIC INC COM 883556102   116,419 230 SH   SOLE   212 0 18
THERMO FISHER SCIENTIFIC INC COM 883556102   101,234 200 SH   OTR   200 0 0
ULTA BEAUTY INC COM 90384S303   242,865 608 SH   SOLE   608 0 0
UNILEVER PLC SPON ADR NEW 904767704   2,866,089 58,018 SH   SOLE   54,839 0 3,179
UNILEVER PLC SPON ADR NEW 904767704   10,275 208 SH   OTR   208 0 0
UNION PAC CORP COM 907818108   3,471,484 17,048 SH   SOLE   16,799 0 249
UNION PAC CORP COM 907818108   169,827 834 SH   OTR   834 0 0
UNITEDHEALTH GROUP INC COM 91324P102   3,284,293 6,514 SH   SOLE   6,312 0 202
UNITEDHEALTH GROUP INC COM 91324P102   201,676 400 SH   OTR   400 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   323,790 7,406 SH   SOLE   6,781 0 625
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   51,152 1,170 SH   OTR   670 500 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   291,146 5,613 SH   SOLE   5,613 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   88,697 1,710 SH   OTR   1,710 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   817,932 10,884 SH   SOLE   10,155 0 729
VERIZON COMMUNICATIONS INC COM 92343V104   2,007,248 61,933 SH   SOLE   60,626 0 1,307
VERIZON COMMUNICATIONS INC COM 92343V104   245,667 7,580 SH   OTR   7,580 0 0
VISA INC COM CL A 92826C839   6,080,084 26,434 SH   SOLE   26,185 0 249
VISA INC COM CL A 92826C839   437,019 1,900 SH   OTR   1,800 100 0
WALMART INC COM 931142103   4,069,258 25,444 SH   SOLE   25,312 0 132
WALMART INC COM 931142103   77,566 485 SH   OTR   485 0 0
WASTE MGMT INC DEL COM 94106L109   464,484 3,047 SH   SOLE   2,514 0 533
WASTE MGMT INC DEL COM 94106L109   11,433 75 SH   OTR   75 0 0
XYLEM INC COM 98419M100   349,373 3,838 SH   SOLE   3,152 0 686
ZIMMER BIOMET HOLDINGS INC COM 98956P102   43,765 390 SH   SOLE   390 0 0
ZIMMER BIOMET HOLDINGS INC COM 98956P102   302,994 2,700 SH   OTR   2,700 0 0