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
AT&T INC COMMON STOCK 00206R102   176,519 9,237 SH   SOLE   8,305 0 932
AT&T INC COMMON STOCK 00206R102   41,699 2,182 SH   OTR   2,182 0 0
ABBVIE INC COMMON STOCK 00287Y109   189,359 1,104 SH   SOLE   788 0 316
ABBVIE INC COMMON STOCK 00287Y109   143,219 835 SH   OTR   835 0 0
ADOBE SYSTEMS INC COMMON STOCK 00724F101   457,766 824 SH   SOLE   735 0 89
ADOBE SYSTEMS INC COMMON STOCK 00724F101   77,776 140 SH   OTR   140 0 0
AGILENT TECHNOLOGIES INC COMMON STOCK 00846U101   497,260 3,836 SH   SOLE   3,783 0 53
ALPHABET INC COMMON STOCK 02079K107   1,178,289 6,424 SH   SOLE   5,825 0 599
ALPHABET INC COMMON STOCK 02079K107   128,394 700 SH   OTR   700 0 0
ALPHABET INC COMMON STOCK 02079K305   1,361,571 7,475 SH   SOLE   6,188 0 1,287
ALPHABET INC COMMON STOCK 02079K305   255,921 1,405 SH   OTR   1,175 0 230
ALTRIA GROUP INC COMMON STOCK 02209S103   609,917 13,390 SH   SOLE   13,064 0 326
ALTRIA GROUP INC COMMON STOCK 02209S103   32,933 723 SH   OTR   723 0 0
AMAZON COM INC SR COMMON STOCK 023135106   1,068,867 5,531 SH   SOLE   3,746 0 1,785
AMAZON COM INC SR COMMON STOCK 023135106   64,739 335 SH   OTR   335 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109   513,809 2,219 SH   SOLE   2,029 0 190
AMERICAN EXPRESS CO COMMON STOCK 025816109   212,563 918 SH   OTR   918 0 0
APPLE INC COMMON STOCK 037833100   4,884,070 23,189 SH   SOLE   20,369 0 2,820
APPLE INC COMMON STOCK 037833100   1,256,560 5,966 SH   OTR   5,680 0 286
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103   1,368,650 5,734 SH   SOLE   5,634 0 100
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100   457,321 7,636 SH   SOLE   7,607 0 29
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100   55,099 920 SH   OTR   920 0 0
BECTON DICKINSON & CO COMMON STOCK 075887109   663,736 2,840 SH   SOLE   2,800 0 40
BERKSHIRE HATHAWAY INC COMMON STOCK 084670108   1,836,723 3 SH   SOLE   3 0 0
BERKSHIRE HATHAWAY INC COMMON STOCK 084670702   642,745 1,580 SH   SOLE   1,279 0 301
BERKSHIRE HATHAWAY INC COMMON STOCK 084670702   58,986 145 SH   OTR   0 0 145
BLACKROCK INC COMMON STOCK 09247X101   257,454 327 SH   SOLE   307 0 20
BLACKROCK INC COMMON STOCK 09247X101   114,949 146 SH   OTR   146 0 0
BOOKING HLDGS INC COMMON STOCK 09857L108   241,654 61 SH   SOLE   52 0 9
BOOKING HLDGS INC COMMON STOCK 09857L108   31,692 8 SH   OTR   8 0 0
BRISTOL-MYERS SQUIBB CO COMMON STOCK 110122108   1,226,216 29,526 SH   SOLE   28,791 0 735
BRISTOL-MYERS SQUIBB CO COMMON STOCK 110122108   13,248 319 SH   OTR   319 0 0
BROADRIDGE FINANCIAL SOLUTIONS COMMON STOCK 11133T103   443,250 2,250 SH   SOLE   2,250 0 0
BROADCOM INC COM COMMON STOCK 11135F101   327,527 204 SH   SOLE   128 0 76
CSX CORP COMMON STOCK 126408103   265,359 7,933 SH   SOLE   7,444 0 489
CATERPILLAR INC COMMON STOCK 149123101   2,467,606 7,408 SH   SOLE   7,345 0 63
CATERPILLAR INC COMMON STOCK 149123101   56,627 170 SH   OTR   170 0 0
CHEVRON CORP COMMON STOCK 166764100   3,520,390 22,506 SH   SOLE   22,208 0 298
CHEVRON CORP COMMON STOCK 166764100   207,569 1,327 SH   OTR   1,327 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102   431,582 9,084 SH   SOLE   8,369 0 715
CISCO SYSTEMS INC COMMON STOCK 17275R102   107,135 2,255 SH   OTR   2,255 0 0
COCA-COLA CO COMMON STOCK 191216100   1,878,120 29,507 SH   SOLE   28,833 0 674
COCA-COLA CO COMMON STOCK 191216100   92,993 1,461 SH   OTR   1,461 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105   609,444 717 SH   SOLE   637 0 80
COSTCO WHOLESALE CORP COMMON STOCK 22160K105   84,999 100 SH   OTR   100 0 0
WALT DISNEY CO COMMON STOCK 254687106   348,011 3,505 SH   SOLE   877 0 2,628
DOW INC COM COMMON STOCK 260557103   215,330 4,059 SH   SOLE   3,879 0 180
DOW INC COM COMMON STOCK 260557103   30,239 570 SH   OTR   570 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204   305,200 3,045 SH   SOLE   2,910 0 135
DUPONT DE NEMOURS INC COMMON STOCK 26614N102   334,759 4,159 SH   SOLE   3,974 0 185
DUPONT DE NEMOURS INC COMMON STOCK 26614N102   20,203 251 SH   OTR   251 0 0
EMERSON ELECTRIC CO COMMON STOCK 291011104   287,958 2,614 SH   SOLE   2,514 0 100
EMERSON ELECTRIC CO COMMON STOCK 291011104   94,958 862 SH   OTR   862 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102   2,829,880 24,582 SH   SOLE   21,767 0 2,815
EXXON MOBIL CORP COMMON STOCK 30231G102   140,331 1,219 SH   OTR   944 0 275
META PLATFORMS INC COMMON STOCK 30303M102   411,949 817 SH   SOLE   361 0 456
META PLATFORMS INC COMMON STOCK 30303M102   65,548 130 SH   OTR   130 0 0
FAIR ISAAC CORP COMMON STOCK 303250104   211,390 142 SH   SOLE   130 0 12
FEDEX CORP COMMON STOCK 31428X106   835,356 2,786 SH   SOLE   2,683 0 103
GE AEROSPACE COMMON STOCK 369604301   448,135 2,819 SH   SOLE   2,689 0 130
GENUINE PARTS CO COMMON STOCK 372460105   262,670 1,899 SH   SOLE   1,899 0 0
GENUINE PARTS CO COMMON STOCK 372460105   31,122 225 SH   OTR   225 0 0
GLOBE LIFE INC COMMON STOCK 37959E102   555,390 6,750 SH   SOLE   6,750 0 0
HOME DEPOT INC COMMON STOCK 437076102   684,693 1,989 SH   SOLE   1,768 0 221
HOME DEPOT INC COMMON STOCK 437076102   175,218 509 SH   OTR   509 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106   701,480 3,285 SH   SOLE   3,132 0 153
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106   89,900 421 SH   OTR   421 0 0
HUNTINGTON BANCSHARES INC COMMON STOCK 446150104   501,156 38,024 SH   SOLE   38,024 0 0
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109   286,249 1,208 SH   SOLE   1,145 0 63
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109   136,252 575 SH   OTR   575 0 0
INTERNATIONAL BUSINESS MACHS COMMON STOCK 459200101   1,185,227 6,853 SH   SOLE   6,728 0 125
INTERNATIONAL BUSINESS MACHS COMMON STOCK 459200101   151,159 874 SH   OTR   874 0 0
INVESCO QQQ TR MUTUAL FUNDS/EQ 46090E103   282,675 590 SH   SOLE   590 0 0
INVESCO QQQ TR MUTUAL FUNDS/EQ 46090E103   32,579 68 SH   OTR   68 0 0
ISHARES CORE S&P 500 (MKT) MUTUAL FUNDS/EQ 464287200   284,013 519 SH   SOLE   519 0 0
ISHARES CORE TOTAL US BOND MUTUAL FUNDS/FI 464287226   5,764,599 59,386 SH   SOLE   59,386 0 0
ISHARES CORE TOTAL US BOND MUTUAL FUNDS/FI 464287226   603,775 6,220 SH   OTR   6,220 0 0
ISHARES IBOXX $ INVST GRADE CRP MUTUAL FUNDS/FI 464287242   398,701 3,722 SH   SOLE   3,722 0 0
ISHARES MSCI EAFE (MKT) MUTUAL FUNDS/EQ 464287465   615,439 7,857 SH   SOLE   7,857 0 0
ISHARES CORE S&P MID-CAP (MKT) MUTUAL FUNDS/EQ 464287507   1,598,297 27,312 SH   SOLE   27,312 0 0
ISHARES CORE S&P MID-CAP (MKT) MUTUAL FUNDS/EQ 464287507   280,896 4,800 SH   OTR   4,800 0 0
ISHARES RUSSELL 2000 (MKT) MUTUAL FUNDS/EQ 464287655   602,787 2,971 SH   SOLE   2,971 0 0
ISHARES CORE S&P SMALL-CAP (MKT) MUTUAL FUNDS/EQ 464287804   441,787 4,142 SH   SOLE   4,142 0 0
ISHARES CORE S&P SMALL-CAP (MKT) MUTUAL FUNDS/EQ 464287804   112,526 1,055 SH   OTR   1,055 0 0
ISHARES ST NATIONAL AMTFREE MUNI MUTUAL FUNDS / 464288158   309,991 2,965 SH   SOLE   2,965 0 0
ISHARES NATIONAL AMT-FREE MUNI MUTUAL FUNDS / 464288414   4,111,978 38,592 SH   SOLE   38,592 0 0
ISHARES SHORT-TERM MUTUAL FUNDS/FI 464288646   1,135,631 22,163 SH   SOLE   22,163 0 0
ISHARES FLOATING RATE BOND (MKT) MUTUAL FUNDS/FI 46429B655   224,846 4,401 SH   SOLE   4,401 0 0
ISHARES MSCI USA MINIMUM MUTUAL FUNDS/EQ 46429B697   587,720 7,000 SH   SOLE   7,000 0 0
ISHARES MSCI USA QUALITY FACTOR MUTUAL FUNDS/EQ 46432F339   283,462 1,660 SH   SOLE   1,660 0 0
ISHARES ESG1 5 YR USD MUTUAL FUNDS/FI 46435G243   315,848 12,897 SH   SOLE   12,897 0 0
ISHARES FALN ANGLS USD MUTUAL FUNDS/FI 46435G474   789,026 30,127 SH   SOLE   30,127 0 0
ISHARES FALN ANGLS USD MUTUAL FUNDS/FI 46435G474   27,866 1,064 SH   OTR   1,064 0 0
ISHARES CORE INTERNATIONAL MUTUAL FUNDS/FI 46435G672   1,443,387 28,914 SH   SOLE   28,914 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100   2,265,112 11,199 SH   SOLE   10,586 0 613
JP MORGAN CHASE & CO COMMON STOCK 46625H100   243,925 1,206 SH   OTR   1,206 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104   3,555,341 24,325 SH   SOLE   23,279 0 1,046
JOHNSON & JOHNSON COMMON STOCK 478160104   277,850 1,901 SH   OTR   1,901 0 0
ELI LILLY & CO COMMON STOCK 532457108   924,395 1,021 SH   SOLE   864 0 157
ELI LILLY & CO COMMON STOCK 532457108   91,444 101 SH   OTR   101 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109   133,125 285 SH   SOLE   247 0 38
LOCKHEED MARTIN CORP COMMON STOCK 539830109   106,966 229 SH   OTR   229 0 0
LOWES COMPANIES INC COMMON STOCK 548661107   510,366 2,315 SH   SOLE   2,165 0 150
MARSH & MCLENNAN COS INC COMMON STOCK 571748102   1,314,682 6,239 SH   SOLE   6,125 0 114
MASTERCARD INC COMMON STOCK 57636Q104   221,021 501 SH   SOLE   366 0 135
MASTERCARD INC COMMON STOCK 57636Q104   310,135 703 SH   OTR   703 0 0
MCDONALDS CORP COMMON STOCK 580135101   616,458 2,419 SH   SOLE   982 0 1,437
MCDONALDS CORP COMMON STOCK 580135101   59,378 233 SH   OTR   233 0 0
MERCK & CO INC COMMON STOCK 58933Y105   1,915,435 15,472 SH   SOLE   14,906 0 566
MERCK & CO INC COMMON STOCK 58933Y105   33,674 272 SH   OTR   272 0 0
MICROSOFT CORP COMMON STOCK 594918104   3,176,472 7,107 SH   SOLE   5,784 0 1,323
MICROSOFT CORP COMMON STOCK 594918104   1,192,909 2,669 SH   OTR   2,584 0 85
MICROCHIP TECHNOLOGY INC COMMON STOCK 595017104   268,278 2,932 SH   SOLE   2,850 0 82
MICROCHIP TECHNOLOGY INC COMMON STOCK 595017104   45,750 500 SH   OTR   500 0 0
MONDELEZ INTL INC COMMON STOCK 609207105   619,913 9,473 SH   SOLE   9,245 0 228
MONDELEZ INTL INC COMMON STOCK 609207105   82,062 1,254 SH   OTR   1,254 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101   935,472 13,211 SH   SOLE   12,793 0 418
NEXTERA ENERGY INC COMMON STOCK 65339F101   36,892 521 SH   OTR   521 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108   1,300,162 6,056 SH   SOLE   6,000 0 56
NORTHROP GRUMMAN CORP COMMON STOCK 666807102   259,825 596 SH   SOLE   554 0 42
NVIDIA CORP COMMON STOCK 67066G104   1,480,751 11,986 SH   SOLE   7,040 0 4,946
NVIDIA CORP COMMON STOCK 67066G104   111,186 900 SH   OTR   900 0 0
ORACLE CORP COMMON STOCK 68389X105   732,828 5,190 SH   SOLE   4,719 0 471
PEPSICO INC COMMON STOCK 713448108   709,863 4,304 SH   SOLE   4,085 0 219
PEPSICO INC COMMON STOCK 713448108   188,185 1,141 SH   OTR   1,141 0 0
PFIZER INC COMMON STOCK 717081103   603,193 21,558 SH   SOLE   20,470 0 1,088
PFIZER INC COMMON STOCK 717081103   65,334 2,335 SH   OTR   2,335 0 0
PHILIP MORRIS INTERNATIONAL INC COMMON STOCK 718172109   1,132,059 11,172 SH   SOLE   10,902 0 270
PHILIP MORRIS INTERNATIONAL INC COMMON STOCK 718172109   38,607 381 SH   OTR   381 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109   2,696,937 16,353 SH   SOLE   15,894 0 459
PROCTER & GAMBLE CO COMMON STOCK 742718109   1,046,417 6,345 SH   OTR   6,345 0 0
QUALCOMM INC COMMON STOCK 747525103   198,184 995 SH   SOLE   851 0 144
QUALCOMM INC COMMON STOCK 747525103   62,144 312 SH   OTR   312 0 0
RTX CORPORATION COMMON STOCK 75513E101   190,942 1,902 SH   SOLE   1,645 0 257
RTX CORPORATION COMMON STOCK 75513E101   44,272 441 SH   OTR   441 0 0
SPDR S&P 500 ETF MUTUAL FUNDS/EQ 78462F103   1,605,449 2,950 SH   SOLE   2,950 0 0
SPDR BOFA ML CROSSOVER CORP BOND MUTUAL FUNDS/FI 78468R606   872,820 37,573 SH   SOLE   37,573 0 0
SPDR NUVEEN BLOOMBERG BARCLAYS MUTUAL FUNDS / 78468R721   211,457 4,622 SH   SOLE   4,622 0 0
SCHWAB US BROAD MARKET ETFT MUTUAL FUNDS/EQ 808524102   1,634,620 26,000 SH   SOLE   26,000 0 0
TAIWAN SEMICONDUCTOR FOREIGN STOCK 874039100   139,743 804 SH   SOLE   804 0 0
TAIWAN SEMICONDUCTOR FOREIGN STOCK 874039100   63,962 368 SH   OTR   368 0 0
TARGET CORP COMMON STOCK 87612E106   1,576,625 10,650 SH   SOLE   10,554 0 96
TARGET CORP COMMON STOCK 87612E106   115,175 778 SH   OTR   778 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104   1,509,358 7,759 SH   SOLE   7,503 0 256
3M CO COMMON STOCK 88579Y101   284,906 2,788 SH   SOLE   2,713 0 75
3M CO COMMON STOCK 88579Y101   38,015 372 SH   OTR   372 0 0
UNION PACIFIC CORP COMMON STOCK 907818108   2,023,895 8,945 SH   SOLE   7,222 0 1,723
UNION PACIFIC CORP COMMON STOCK 907818108   204,539 904 SH   OTR   904 0 0
UNITED PARCEL SERVICE COMMON STOCK 911312106   221,013 1,615 SH   SOLE   1,521 0 94
UNITED PARCEL SERVICE COMMON STOCK 911312106   53,919 394 SH   OTR   394 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102   348,843 685 SH   SOLE   489 0 196
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102   71,296 140 SH   OTR   56 0 84
VANGUARD TOTAL BOND MARKET ETF MUTUAL FUNDS/FI 921937835   3,155,286 43,793 SH   SOLE   43,793 0 0
VANGUARD TOTAL BOND MARKET ETF MUTUAL FUNDS/FI 921937835   270,548 3,755 SH   OTR   3,755 0 0
VANGUARD FTSE DEVELOPED MARKETS MUTUAL FUNDS/EQ 921943858   663,264 13,421 SH   SOLE   13,421 0 0
VANGUARD FTSE DEVELOPED MARKETS MUTUAL FUNDS/EQ 921943858   25,254 511 SH   OTR   511 0 0
VANGUARD HIGH DIVIDEND YIELD MUTUAL FUNDS/EQ 921946406   295,907 2,495 SH   SOLE   2,495 0 0
VANGUARD EMERGING MARKETS STOCK MUTUAL FUNDS/EQ 922042858   312,536 7,142 SH   SOLE   7,142 0 0
VANGUARD EMERGING MARKETS STOCK MUTUAL FUNDS/EQ 922042858   32,820 750 SH   OTR   750 0 0
VANGUARD SHORT-TERM CORP BD IDX MUTUAL FUNDS/FI 92206C409   1,177,748 15,241 SH   SOLE   15,241 0 0
VANGUARD SHORT-TERM CORP BD IDX MUTUAL FUNDS/FI 92206C409   75,343 975 SH   OTR   975 0 0
VANGUARD S&P 500 ETF (MKT) MUTUAL FUNDS/EQ 922908363   356,593 713 SH   SOLE   713 0 0
VANGUARD S&P 500 ETF (MKT) MUTUAL FUNDS/EQ 922908363   22,506 45 SH   OTR   45 0 0
VANGUARD REAL ESTATE ETF MUTUAL FUNDS/EQ 922908553   497,702 5,942 SH   SOLE   5,942 0 0
VANGUARD REAL ESTATE ETF MUTUAL FUNDS/EQ 922908553   46,068 550 SH   OTR   550 0 0
VANGUARD SMALL CAP VALUE ETF MUTUAL FUNDS/EQ 922908611   550,662 3,017 SH   SOLE   3,017 0 0
VANGUARD TOTAL STOCK MARKET ETF MUTUAL FUNDS/EQ 922908769   3,410,485 12,749 SH   SOLE   12,749 0 0
VISA INC COMMON STOCK 92826C839   331,238 1,262 SH   SOLE   889 0 373
VISA INC COMMON STOCK 92826C839   91,602 349 SH   OTR   349 0 0
WALMART INC COMMON STOCK 931142103   2,399,101 35,432 SH   SOLE   35,081 0 351
WALMART INC COMMON STOCK 931142103   63,986 945 SH   OTR   945 0 0
AON PLC SHS CL A FOREIGN STOCK G0403H108   244,258 832 SH   SOLE   762 0 70
ACCENTURE PLC FOREIGN STOCK G1151C101   143,513 473 SH   SOLE   372 0 101
ACCENTURE PLC FOREIGN STOCK G1151C101   81,618 269 SH   OTR   175 0 94
LINDE PLC FOREIGN STOCK G54950103   65,382 149 SH   SOLE   72 0 77
LINDE PLC FOREIGN STOCK G54950103   140,859 321 SH   OTR   321 0 0
MEDTRONIC PLC FOREIGN STOCK G5960L103   163,087 2,072 SH   SOLE   1,924 0 148
MEDTRONIC PLC FOREIGN STOCK G5960L103   69,265 880 SH   OTR   880 0 0