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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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
3M Co Common Stock 88579Y101 233 1,174 SH   SOLE   1,174 0 0
Abbott Laboratories Common Stock 002824100 339 2,920 SH   SOLE   2,920 0 0
Abbott Laboratories Common Stock 002824100 41 350 SH   OTR   350 0 0
AbbVie Inc Common Stock 00287Y109 620 5,503 SH   SOLE   5,503 0 0
AbbVie Inc Common Stock 00287Y109 39 350 SH   OTR   350 0 0
Air Products & Chemicials Inc Common Stock 009158106 230 800 SH   SOLE   800 0 0
Alphabet Inc Capital Stock Class A Common Stock 02079K305 471 193 SH   SOLE   193 0 0
Alphabet Inc Capital Stock Class A Common Stock 02079K305 49 20 SH   OTR   20 0 0
Amazon Com Inc Common Stock 023135106 303 88 SH   SOLE   88 0 0
American Electric Power Inc Common Stock 025537101 412 4,875 SH   SOLE   4,875 0 0
Anheuser Busch Int'l Common Stock 03524A108 280 3,890 SH   SOLE   3,890 0 0
Apollo Global Management Inc Common Stock 03768E105 1,055 16,962 SH   SOLE   16,962 0 0
Apollo Global Management Inc Common Stock 03768E105 95 1,527 SH   OTR   1,527 0 0
Apple Computer Inc Common Stock 037833100 1,337 9,759 SH   SOLE   9,759 0 0
Apple Computer Inc Common Stock 037833100 119 872 SH   OTR   872 0 0
Armstrong World Industries Common Stock 04247X102 285 2,661 SH   SOLE   2,661 0 0
AT & T Inc Common Stock 00206R102 159 5,518 SH   SOLE   5,518 0 0
AT & T Inc Common Stock 00206R102 60 2,069 SH   OTR   2,069 0 0
Automatic Data Processing Inc Common Stock 053015103 464 2,338 SH   SOLE   2,338 0 0
Avantis Emerging Markets Equity ETF Exchange Traded Fund 025072604 391 5,625 SH   SOLE   5,625 0 0
Avantis Intl Small Cap Value ETF Exchange Traded Fund 025072802 311 4,800 SH   SOLE   4,800 0 0
Bank of America Corp Common Stock 060505104 902 21,882 SH   SOLE   21,882 0 0
Bank of America Corp Common Stock 060505104 66 1,600 SH   OTR   1,600 0 0
Berkshire Hathaway Inc Class B Common Stock 084670702 2,755 9,913 SH   SOLE   9,913 0 0
Berkshire Hathaway Inc Class B Common Stock 084670702 85 307 SH   OTR   307 0 0
BlackRock Core Bond Fixed Income ETF 09249E101 2,362 143,000 SH   SOLE   143,000 0 0
Blackstone Group Inc Common Stock 09260D107 736 7,578 SH   SOLE   7,578 0 0
Blackstone Group Inc Common Stock 09260D107 78 800 SH   OTR   800 0 0
Blockrock Taxable Municipal Bond Trust Fixed Income ETF 09248X100 2,423 94,000 SH   SOLE   94,000 0 0
Boston Beer Inc Common Stock 100557107 556 545 SH   SOLE   545 0 0
Bristol Myers Squibb Co Common Stock 110122108 205 3,070 SH   SOLE   3,070 0 0
Caterpillar Inc Common Stock 149123101 305 1,400 SH   SOLE   1,400 0 0
Caterpillar Inc Common Stock 149123101 252 1,160 SH   OTR   1,160 0 0
Chevron Corp Common Stock 166764100 507 4,836 SH   SOLE   4,836 0 0
Cisco Systems Inc Common Stock 17275R102 389 7,347 SH   SOLE   7,347 0 0
CVS Health Corporation Common Stock 126650100 317 3,799 SH   SOLE   3,799 0 0
CVS Health Corporation Common Stock 126650100 29 350 SH   OTR   350 0 0
Deere & Co Common Stock 244199105 211 598 SH   SOLE   598 0 0
Dimensional Emerging Core Equity Market ETF Exchange Traded Fund 25434V302 410 13,835 SH   SOLE   13,835 0 0
Dimensional US Core Equity Market ETF Exchange Traded Fund 25434V104 269 8,900 SH   SOLE   8,900 0 0
Dollar Tree Inc Common Stock 256746108 461 4,635 SH   SOLE   4,635 0 0
DTE Energy Co Common Stock 233331107 421 3,245 SH   SOLE   3,245 0 0
Eli Lilly & Co Common Stock 532457108 355 1,547 SH   SOLE   1,547 0 0
Emerson Electric Co Common Stock 291011104 150 1,559 SH   SOLE   1,559 0 0
Emerson Electric Co Common Stock 291011104 173 1,800 SH   OTR   1,800 0 0
Enbridge Inc Int'l Common Stock 29250N105 199 4,970 SH   SOLE   4,970 0 0
Enbridge Inc Int'l Common Stock 29250N105 40 1,000 SH   OTR   1,000 0 0
Envirochem, Inc Common Stock 29403U105 0 41,250 SH   SOLE   41,250 0 0
Expedia Group Inc Common Stock 30212P303 287 1,755 SH   SOLE   1,755 0 0
Exxon Mobil Corp Common Stock 30231G102 627 9,943 SH   SOLE   9,943 0 0
Exxon Mobil Corp Common Stock 30231G102 85 1,345 SH   OTR   1,345 0 0
Facebook Inc- A Common Stock 30303M102 1,112 3,198 SH   SOLE   3,198 0 0
Facebook Inc- A Common Stock 30303M102 104 300 SH   OTR   300 0 0
General Dynamics Corp Common Stock 369550108 247 1,310 SH   SOLE   1,310 0 0
General Electric Co Common Stock 369604103 203 15,069 SH   SOLE   15,069 0 0
General Electric Co Common Stock 369604103 85 6,325 SH   OTR   6,325 0 0
Home Depot Inc Common Stock 437076102 391 1,226 SH   SOLE   1,226 0 0
Huntington Bancshares Inc Common Stock 446150104 87 6,101 SH   SOLE   6,101 0 0
Huntington Bancshares Inc Common Stock 446150104 226 15,866 SH   OTR   15,866 0 0
Intel Corp Common Stock 458140100 778 13,859 SH   SOLE   13,859 0 0
Intel Corp Common Stock 458140100 65 1,150 SH   OTR   1,150 0 0
International Business Machines Common Stock 459200101 264 1,804 SH   SOLE   1,804 0 0
International Business Machines Common Stock 459200101 128 875 SH   OTR   875 0 0
Invesco S&P 500 Equal Weight ETF Exchange Traded Fund 46137V357 369 2,446 SH   SOLE   2,446 0 0
IShares Core S&P 500 ETF Exchange Traded Fund 464287200 267 620 SH   SOLE   620 0 0
IShares DJ Select Dividend Exchange Traded Fund 464287168 227 1,950 SH   SOLE   1,950 0 0
IShares Msci Eafe Index Fund Exchange Traded Fund 464287465 203 2,574 SH   SOLE   2,574 0 0
IShares MSCI Emerging Markets Exchange Traded Fund 464287234 432 7,839 SH   SOLE   7,839 0 0
IShares Russell 1000 Growth Index Fund Exchange Traded Fund 464287614 2,159 7,951 SH   SOLE   7,951 0 0
IShares Russell 2000 Growth Fund Exchange Traded Fund 464287648 1,125 3,609 SH   SOLE   3,609 0 0
IShares Russell MidCap Growth Exchange Traded Fund 464287481 1,731 15,290 SH   SOLE   15,290 0 0
J P Morgan Chase & Co Common Stock 46625H100 1,088 6,994 SH   SOLE   6,994 0 0
J P Morgan Chase & Co Common Stock 46625H100 73 471 SH   OTR   471 0 0
Johnson & Johnson Common Stock 478160104 794 4,822 SH   SOLE   4,822 0 0
Johnson & Johnson Common Stock 478160104 185 1,120 SH   OTR   1,120 0 0
KKR & Company Inc Common Stock 48251W104 314 5,306 SH   SOLE   5,306 0 0
Lowes Companies Inc Common Stock 548661107 402 2,074 SH   SOLE   2,074 0 0
Mastercard Inc Common Stock 57636Q104 1,008 2,760 SH   SOLE   2,760 0 0
Mastercard Inc Common Stock 57636Q104 150 412 SH   OTR   412 0 0
McDonalds Corp Common Stock 580135101 359 1,554 SH   SOLE   1,554 0 0
Merck and Co Inc Common Stock 58933Y105 494 6,349 SH   SOLE   6,349 0 0
Microsoft Corp Common Stock 594918104 1,968 7,263 SH   SOLE   7,263 0 0
Microsoft Corp Common Stock 594918104 81 300 SH   OTR   300 0 0
Nextera Energy Inc Common Stock 65339F101 483 6,589 SH   SOLE   6,589 0 0
Nextera Energy Inc Common Stock 65339F101 135 1,848 SH   OTR   1,848 0 0
Oracle Corp Common Stock 68389X105 432 5,554 SH   SOLE   5,554 0 0
Oracle Corp Common Stock 68389X105 156 2,000 SH   OTR   2,000 0 0
O'Reilly Automotive Inc Common Stock 67103H107 322 568 SH   SOLE   568 0 0
O'Reilly Automotive Inc Common Stock 67103H107 79 140 SH   OTR   140 0 0
Paypal Holdings Inc Common Stock 70450Y103 794 2,724 SH   SOLE   2,724 0 0
Pepsico Inc Common Stock 713448108 604 4,076 SH   SOLE   4,076 0 0
Pfizer Inc Common Stock 717081103 407 10,388 SH   SOLE   10,388 0 0
Pfizer Inc Common Stock 717081103 25 635 SH   OTR   635 0 0
Phillips 66 Common Stock 718546104 289 3,370 SH   SOLE   3,370 0 0
Procter & Gamble Co Common Stock 742718109 751 5,567 SH   SOLE   5,567 0 0
Raven Industries Inc Common Stock 754212108 4,068 70,314 SH   SOLE   70,314 0 0
Raven Industries Inc Common Stock 754212108 8 138 SH   OTR   138 0 0
Select Sector Spdr Tr Health Care Exchange Traded Fund 81369Y209 202 1,600 SH   SOLE   1,600 0 0
Servicenow Inc Common Stock 81762P102 330 600 SH   SOLE   600 0 0
Simon Property Group Inc Common Stock 828806109 247 1,890 SH   SOLE   1,890 0 0
Simon Property Group Inc Common Stock 828806109 59 450 SH   OTR   450 0 0
SPDR Dow Jones Industrial Ave ETF Trust Exchange Traded Fund 78467X109 243 705 SH   OTR   705 0 0
SPDR S&P 500 ETF Trust Exchange Traded Fund 78462F103 529 1,236 SH   SOLE   1,236 0 0
SPDR S&P 500 ETF Trust Exchange Traded Fund 78462F103 385 900 SH   OTR   900 0 0
SPDR S&P MidCap 400 ETF Trust Exchange Traded Fund 78467Y107 710 1,445 SH   SOLE   1,445 0 0
Target Corp Common Stock 87612E106 459 1,899 SH   SOLE   1,899 0 0
Target Corp Common Stock 87612E106 145 600 SH   OTR   600 0 0
TJX Companies Inc Common Stock 872540109 431 6,400 SH   SOLE   6,400 0 0
Union Pacific Corp Common Stock 907818108 454 2,066 SH   SOLE   2,066 0 0
US Bancorp Common Stock 902973304 241 4,232 SH   SOLE   4,232 0 0
Vanguard Extended Market ETF Exchange Traded Fund 922908652 583 3,090 SH   SOLE   3,090 0 0
Vanguard Global ex-U.S. Real E Exchange Traded Fund 922042676 730 12,510 SH   SOLE   12,510 0 0
Vanguard Growth Vipers Fund Exchange Traded Fund 922908736 854 2,978 SH   SOLE   2,978 0 0
Vanguard Index FDS S&P 500 Exchange Traded Fund 922908363 1,672 4,250 SH   SOLE   4,250 0 0
Vanguard Real Estate ETF Exchange Traded Fund 922908553 1,371 13,473 SH   SOLE   13,473 0 0
Vanguard Small-Cap Value ETF Exchange Traded Fund 922908611 410 2,363 SH   SOLE   2,363 0 0
Vanguard Value ETF Exchange Traded Fund 922908744 426 3,100 SH   SOLE   3,100 0 0
Vanguard Whitehall Funds High Dividend Yield Etf Exchange Traded Fund 921946406 707 6,752 SH   SOLE   6,752 0 0
Verizon Communications Inc Common Stock 92343V104 404 7,211 SH   SOLE   7,211 0 0
Visa Inc Common Stock 92826C839 973 4,160 SH   SOLE   4,160 0 0
Vornado Realty Trust Common Stock 929042109 210 4,498 SH   SOLE   4,498 0 0
WalMart Inc Common Stock 931142103 332 2,356 SH   SOLE   2,356 0 0
WalMart Inc Common Stock 931142103 92 650 SH   OTR   650 0 0
Walt Disney Productions Common Stock 254687106 394 2,244 SH   SOLE   2,244 0 0
Walt Disney Productions Common Stock 254687106 47 270 SH   OTR   270 0 0
Waste Management Inc Common Stock 94106L109 379 2,704 SH   SOLE   2,704 0 0
Wells Fargo & Co Common Stock 949746101 2,593 57,248 SH   SOLE   57,248 0 0
Wells Fargo & Co Common Stock 949746101 75 1,650 SH   OTR   1,650 0 0
Xcel Energy Inc Common Stock 98389B100 413 6,268 SH   SOLE   6,268 0 0