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 206 1,174 SH   SOLE   1,174 0 0
Abbott Laboratories Common Stock 002824100 345 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 594 5,503 SH   SOLE   5,503 0 0
AbbVie Inc Common Stock 00287Y109 38 350 SH   OTR   350 0 0
Air Products & Chemicials Inc Common Stock 009158106 205 800 SH   SOLE   800 0 0
Alphabet Inc Capital Stock Class A Common Stock 02079K305 516 193 SH   SOLE   193 0 0
Alphabet Inc Capital Stock Class A Common Stock 02079K305 53 20 SH   OTR   20 0 0
Amazon Com Inc Common Stock 023135106 296 90 SH   SOLE   90 0 0
American Electric Power Inc Common Stock 025537101 396 4,875 SH   SOLE   4,875 0 0
Anheuser Busch Int'l Common Stock 03524A108 219 3,890 SH   SOLE   3,890 0 0
Apollo Global Management Inc Common Stock 03768E105 1,112 18,047 SH   SOLE   18,047 0 0
Apollo Global Management Inc Common Stock 03768E105 94 1,527 SH   OTR   1,527 0 0
Apple Computer Inc Common Stock 037833100 1,424 10,065 SH   SOLE   10,065 0 0
Apple Computer Inc Common Stock 037833100 123 872 SH   OTR   872 0 0
Armstrong World Industries Common Stock 04247X102 254 2,661 SH   SOLE   2,661 0 0
AT & T Inc Common Stock 00206R102 257 9,518 SH   SOLE   9,518 0 0
AT & T Inc Common Stock 00206R102 56 2,069 SH   OTR   2,069 0 0
Automatic Data Processing Inc Common Stock 053015103 467 2,338 SH   SOLE   2,338 0 0
Avantis Emerging Markets Equity ETF Exchange Traded Fund 025072604 290 4,500 SH   SOLE   4,500 0 0
Avantis Intl Small Cap Value ETF Exchange Traded Fund 025072802 317 4,900 SH   SOLE   4,900 0 0
Avantis US Small Cap Value ETF Exchange Traded Fund 025072877 463 6,122 SH   SOLE   6,122 0 0
Bank of America Corp Common Stock 060505104 929 21,882 SH   SOLE   21,882 0 0
Bank of America Corp Common Stock 060505104 68 1,600 SH   OTR   1,600 0 0
Baxter International Inc Common Stock 071813109 237 2,941 SH   SOLE   2,941 0 0
Baxter International Inc Common Stock 071813109 80 1,000 SH   OTR   1,000 0 0
Berkshire Hathaway Inc Class B Common Stock 084670702 2,749 10,071 SH   SOLE   10,071 0 0
Berkshire Hathaway Inc Class B Common Stock 084670702 84 307 SH   OTR   307 0 0
Blackstone Inc Common Stock 09260D107 882 7,578 SH   SOLE   7,578 0 0
Blackstone Inc Common Stock 09260D107 93 800 SH   OTR   800 0 0
Boston Beer Inc Common Stock 100557107 278 545 SH   SOLE   545 0 0
Bristol Myers Squibb Co Common Stock 110122108 418 7,070 SH   SOLE   7,070 0 0
Caterpillar Inc Common Stock 149123101 269 1,400 SH   SOLE   1,400 0 0
Caterpillar Inc Common Stock 149123101 223 1,160 SH   OTR   1,160 0 0
Chevron Corp Common Stock 166764100 485 4,776 SH   SOLE   4,776 0 0
Cisco Systems Inc Common Stock 17275R102 400 7,347 SH   SOLE   7,347 0 0
CVS Health Corporation Common Stock 126650100 323 3,809 SH   SOLE   3,809 0 0
CVS Health Corporation Common Stock 126650100 30 350 SH   OTR   350 0 0
Deere & Co Common Stock 244199105 200 598 SH   SOLE   598 0 0
Dimensional Emerging Core Equity Market ETF Exchange Traded Fund 25434V302 594 21,783 SH   SOLE   21,783 0 0
Dimensional International Core Equity Market ETF Exchange Traded Fund 25434V203 656 22,681 SH   SOLE   22,681 0 0
Dimensional US Core Equity Market ETF Exchange Traded Fund 25434V104 268 8,900 SH   SOLE   8,900 0 0
Dollar Tree Inc Common Stock 256746108 599 6,260 SH   SOLE   6,260 0 0
DTE Energy Co Common Stock 233331107 362 3,245 SH   SOLE   3,245 0 0
Eli Lilly & Co Common Stock 532457108 357 1,547 SH   SOLE   1,547 0 0
Emerson Electric Co Common Stock 291011104 147 1,559 SH   SOLE   1,559 0 0
Emerson Electric Co Common Stock 291011104 170 1,800 SH   OTR   1,800 0 0
Enbridge Inc Int'l Common Stock 29250N105 198 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 288 1,755 SH   SOLE   1,755 0 0
Exxon Mobil Corp Common Stock 30231G102 585 9,943 SH   SOLE   9,943 0 0
Exxon Mobil Corp Common Stock 30231G102 79 1,345 SH   OTR   1,345 0 0
Facebook Inc- A Common Stock 30303M102 1,085 3,198 SH   SOLE   3,198 0 0
Facebook Inc- A Common Stock 30303M102 102 300 SH   OTR   300 0 0
General Dynamics Corp Common Stock 369550108 257 1,310 SH   SOLE   1,310 0 0
General Electric Company Common Stock 369604301 194 1,879 SH   SOLE   1,879 0 0
General Electric Company Common Stock 369604301 41 395 SH   OTR   395 0 0
Home Depot Inc Common Stock 437076102 402 1,226 SH   SOLE   1,226 0 0
Huntington Bancshares Inc Common Stock 446150104 94 6,101 SH   SOLE   6,101 0 0
Huntington Bancshares Inc Common Stock 446150104 245 15,866 SH   OTR   15,866 0 0
Intel Corp Common Stock 458140100 743 13,952 SH   SOLE   13,952 0 0
Intel Corp Common Stock 458140100 61 1,150 SH   OTR   1,150 0 0
International Business Machines Common Stock 459200101 402 2,890 SH   SOLE   2,890 0 0
International Business Machines Common Stock 459200101 233 1,675 SH   OTR   1,675 0 0
Invesco S&P 500 Equal Weight ETF Exchange Traded Fund 46137V357 471 3,146 SH   SOLE   3,146 0 0
Ishares Core MSCI EAFE ETF Exchange Traded Fund 46432F842 660 8,891 SH   SOLE   8,891 0 0
IShares Core S&P 500 ETF Exchange Traded Fund 464287200 270 626 SH   SOLE   626 0 0
IShares DJ Select Dividend Exchange Traded Fund 464287168 224 1,950 SH   SOLE   1,950 0 0
IShares Msci Eafe Index Fund Exchange Traded Fund 464287465 201 2,574 SH   SOLE   2,574 0 0
IShares MSCI Emerging Markets Exchange Traded Fund 464287234 395 7,839 SH   SOLE   7,839 0 0
IShares Russell 1000 Growth Index Fund Exchange Traded Fund 464287614 2,177 7,945 SH   SOLE   7,945 0 0
IShares Russell 2000 Growth Fund Exchange Traded Fund 464287648 1,060 3,609 SH   SOLE   3,609 0 0
IShares Russell MidCap Growth Exchange Traded Fund 464287481 1,714 15,290 SH   SOLE   15,290 0 0
J P Morgan Chase & Co Common Stock 46625H100 1,145 6,994 SH   SOLE   6,994 0 0
J P Morgan Chase & Co Common Stock 46625H100 77 471 SH   OTR   471 0 0
Johnson & Johnson Common Stock 478160104 779 4,822 SH   SOLE   4,822 0 0
Johnson & Johnson Common Stock 478160104 181 1,120 SH   OTR   1,120 0 0
KKR & Company Inc Common Stock 48251W104 323 5,306 SH   SOLE   5,306 0 0
Lowes Companies Inc Common Stock 548661107 421 2,074 SH   SOLE   2,074 0 0
Mastercard Inc Common Stock 57636Q104 960 2,760 SH   SOLE   2,760 0 0
Mastercard Inc Common Stock 57636Q104 143 412 SH   OTR   412 0 0
McDonalds Corp Common Stock 580135101 375 1,554 SH   SOLE   1,554 0 0
Merck and Co Inc Common Stock 58933Y105 477 6,349 SH   SOLE   6,349 0 0
Microsoft Corp Common Stock 594918104 2,045 7,253 SH   SOLE   7,253 0 0
Microsoft Corp Common Stock 594918104 85 300 SH   OTR   300 0 0
Nextera Energy Inc Common Stock 65339F101 517 6,589 SH   SOLE   6,589 0 0
Nextera Energy Inc Common Stock 65339F101 145 1,848 SH   OTR   1,848 0 0
Oracle Corp Common Stock 68389X105 486 5,573 SH   SOLE   5,573 0 0
Oracle Corp Common Stock 68389X105 174 2,000 SH   OTR   2,000 0 0
O'Reilly Automotive Inc Common Stock 67103H107 347 568 SH   SOLE   568 0 0
O'Reilly Automotive Inc Common Stock 67103H107 86 140 SH   OTR   140 0 0
Paypal Holdings Inc Common Stock 70450Y103 709 2,724 SH   SOLE   2,724 0 0
Pepsico Inc Common Stock 713448108 613 4,076 SH   SOLE   4,076 0 0
Pfizer Inc Common Stock 717081103 447 10,388 SH   SOLE   10,388 0 0
Pfizer Inc Common Stock 717081103 38 885 SH   OTR   885 0 0
Phillips 66 Common Stock 718546104 236 3,370 SH   SOLE   3,370 0 0
Procter & Gamble Co Common Stock 742718109 778 5,567 SH   SOLE   5,567 0 0
Select Sector Spdr Tr Health Care Exchange Traded Fund 81369Y209 204 1,600 SH   SOLE   1,600 0 0
Servicenow Inc Common Stock 81762P102 373 600 SH   SOLE   600 0 0
Simon Property Group Inc Common Stock 828806109 255 1,965 SH   SOLE   1,965 0 0
Simon Property Group Inc Common Stock 828806109 58 450 SH   OTR   450 0 0
SPDR Dow Jones Industrial Ave ETF Trust Exchange Traded Fund 78467X109 238 705 SH   OTR   705 0 0
SPDR S&P 500 ETF Trust Exchange Traded Fund 78462F103 530 1,236 SH   SOLE   1,236 0 0
SPDR S&P 500 ETF Trust Exchange Traded Fund 78462F103 386 900 SH   OTR   900 0 0
SPDR S&P MidCap 400 ETF Trust Exchange Traded Fund 78467Y107 695 1,445 SH   SOLE   1,445 0 0
T Rowe Price Blue Chip Growth ETF Exchange Traded Fund 87283Q107 213 6,679 SH   SOLE   6,679 0 0
Target Corp Common Stock 87612E106 437 1,909 SH   SOLE   1,909 0 0
Target Corp Common Stock 87612E106 137 600 SH   OTR   600 0 0
TJX Companies Inc Common Stock 872540109 422 6,400 SH   SOLE   6,400 0 0
Union Pacific Corp Common Stock 907818108 405 2,066 SH   SOLE   2,066 0 0
US Bancorp Common Stock 902973304 252 4,232 SH   SOLE   4,232 0 0
Vanguard Extended Market ETF Exchange Traded Fund 922908652 563 3,090 SH   SOLE   3,090 0 0
Vanguard FTSE Developed Markets Index Fund ETF Exchange Traded Fund 921943858 192 3,806 SH   SOLE   3,806 0 0
Vanguard FTSE Developed Markets Index Fund ETF Exchange Traded Fund 921943858 20 400 SH   OTR   400 0 0
Vanguard Global ex-U.S. Real E Exchange Traded Fund 922042676 704 12,510 SH   SOLE   12,510 0 0
Vanguard Growth Vipers Fund Exchange Traded Fund 922908736 864 2,978 SH   SOLE   2,978 0 0
Vanguard Index FDS S&P 500 EFT Exchange Traded Fund 922908363 2,741 6,950 SH   SOLE   6,950 0 0
Vanguard Real Estate ETF Exchange Traded Fund 922908553 1,301 12,780 SH   SOLE   12,780 0 0
Vanguard Small-Cap Value ETF Exchange Traded Fund 922908611 529 3,128 SH   SOLE   3,128 0 0
Vanguard Value ETF Exchange Traded Fund 922908744 808 5,971 SH   SOLE   5,971 0 0
Vanguard Whitehall Funds High Dividend Yield Etf Exchange Traded Fund 921946406 698 6,752 SH   SOLE   6,752 0 0
Verizon Communications Inc Common Stock 92343V104 389 7,211 SH   SOLE   7,211 0 0
Visa Inc Common Stock 92826C839 927 4,160 SH   SOLE   4,160 0 0
WalMart Inc Common Stock 931142103 328 2,356 SH   SOLE   2,356 0 0
WalMart Inc Common Stock 931142103 91 650 SH   OTR   650 0 0
Walt Disney Productions Common Stock 254687106 380 2,244 SH   SOLE   2,244 0 0
Walt Disney Productions Common Stock 254687106 46 270 SH   OTR   270 0 0
Waste Management Inc Common Stock 94106L109 404 2,704 SH   SOLE   2,704 0 0
Wells Fargo & Co Common Stock 949746101 1,094 23,565 SH   SOLE   23,565 0 0
Wells Fargo & Co Common Stock 949746101 77 1,650 SH   OTR   1,650 0 0
Xcel Energy Inc Common Stock 98389B100 392 6,268 SH   SOLE   6,268 0 0