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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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
Abbott Laboratories Common Stock 002824100   372,131 3,675 SH   SOLE   3,675 0 0
Abbott Laboratories Common Stock 002824100   35,441 350 SH   OTR   350 0 0
AbbVie Inc Common Stock 00287Y109   969,607 6,084 SH   SOLE   6,084 0 0
AbbVie Inc Common Stock 00287Y109   55,780 350 SH   OTR   350 0 0
Activision Blizzard Inc Common Stock 00507V109   408,435 4,772 SH   SOLE   4,772 0 0
Adobe Systems Inc Common Stock 00724F101   273,613 710 SH   SOLE   710 0 0
Alphabet Inc Cap Stk Class C Common Stock 02079K107   336,960 3,240 SH   SOLE   3,240 0 0
Alphabet Inc Capital Stock Class A Common Stock 02079K305   1,037,300 10,000 SH   SOLE   10,000 0 0
Alphabet Inc Capital Stock Class A Common Stock 02079K305   41,492 400 SH   OTR   400 0 0
American Electric Power Inc Common Stock 025537101   307,091 3,375 SH   SOLE   3,375 0 0
Apollo Global Management Inc Common Stock 03769M106   1,943,181 30,766 SH   SOLE   30,766 0 0
Apollo Global Management Inc Common Stock 03769M106   96,445 1,527 SH   OTR   1,527 0 0
Apple Computer Inc Common Stock 037833100   3,136,728 19,022 SH   SOLE   19,022 0 0
Apple Computer Inc Common Stock 037833100   143,793 872 SH   OTR   872 0 0
Automatic Data Processing Inc Common Stock 053015103   268,492 1,206 SH   SOLE   1,206 0 0
Avantis Emerging Markets Equity ETF Exchange Traded Fund 025072604   746,965 14,123 SH   SOLE   14,123 0 0
Avantis International Equity ETF Exchange Traded Fund 025072703   5,321,754 93,315 SH   SOLE   93,315 0 0
Avantis Intl Small Cap Value ETF Exchange Traded Fund 025072802   891,878 15,251 SH   SOLE   15,251 0 0
Avantis US Large Cap Value ETF Exchange Traded Fund 025072349   2,189,297 42,835 SH   SOLE   42,835 0 0
Avantis US Small Cap Value ETF Exchange Traded Fund 025072877   2,616,910 35,335 SH   SOLE   35,335 0 0
Bank of America Corp Common Stock 060505104   888,974 31,083 SH   SOLE   31,083 0 0
Bank of America Corp Common Stock 060505104   45,760 1,600 SH   OTR   1,600 0 0
Berkshire Hathaway Inc Class B Common Stock 084670702   3,501,761 11,341 SH   SOLE   11,341 0 0
Berkshire Hathaway Inc Class B Common Stock 084670702   94,792 307 SH   OTR   307 0 0
Black Hills Corp Common Stock 092113109   592,067 9,383 SH   SOLE   9,383 0 0
BlackRock Core Bond Fixed Income ETF 09249E101   1,550,120 143,000 SH   SOLE   143,000 0 0
Blackrock Taxable Municipal Bond Trust Fixed Income ETF 09248X100   1,684,480 94,000 SH   SOLE   94,000 0 0
Blackstone Inc Common Stock 09260D107   1,396,041 15,893 SH   SOLE   15,893 0 0
Blackstone Inc Common Stock 09260D107   70,272 800 SH   OTR   800 0 0
Bristol Myers Squibb Co Common Stock 110122108   775,925 11,195 SH   SOLE   11,195 0 0
Caterpillar Inc Common Stock 149123101   1,100,720 4,810 SH   SOLE   4,810 0 0
Caterpillar Inc Common Stock 149123101   265,454 1,160 SH   OTR   1,160 0 0
Chevron Corp Common Stock 166764100   692,941 4,247 SH   SOLE   4,247 0 0
Cisco Systems Inc Common Stock 17275R102   518,934 9,927 SH   SOLE   9,927 0 0
Conocophillips Common Stock 20825C104   224,215 2,260 SH   SOLE   2,260 0 0
Conocophillips Common Stock 20825C104   20,834 210 SH   OTR   210 0 0
CSX Corp Common Stock 126408103   1,212,570 40,500 SH   SOLE   40,500 0 0
Cummins Inc Common Stock 231021106   382,208 1,600 SH   SOLE   1,600 0 0
CVS Health Corporation Common Stock 126650100   251,465 3,384 SH   SOLE   3,384 0 0
CVS Health Corporation Common Stock 126650100   26,009 350 SH   OTR   350 0 0
Deere & Co Common Stock 244199105   246,902 598 SH   SOLE   598 0 0
Dimensional International Core Equity Market ETF Exchange Traded Fund 25434V203   413,144 15,330 SH   SOLE   15,330 0 0
Dimensional US Core Equity Market ETF Exchange Traded Fund 25434V104   781,048 27,148 SH   SOLE   27,148 0 0
Dimensional US Marketwide Value ETF Exchange Traded Fund 25434V724   4,423,076 132,111 SH   SOLE   132,111 0 0
Dimensional US Small Cap ETF Exchange Traded Fund 25434V500   265,924 5,046 SH   SOLE   5,046 0 0
Dimensional World EX US Core Equity 2 ETF Exchange Traded Fund 25434V880   7,219,994 313,096 SH   SOLE   313,096 0 0
Dollar Tree Inc Common Stock 256746108   694,638 4,839 SH   SOLE   4,839 0 0
DTE Energy Co Common Stock 233331107   355,457 3,245 SH   SOLE   3,245 0 0
Electronic Arts Inc Common Stock 285512109   273,903 2,274 SH   SOLE   2,274 0 0
Eli Lilly & Co Common Stock 532457108   428,245 1,247 SH   SOLE   1,247 0 0
Enterprise Products Partners LP Common Stock 293792107   209,790 8,100 SH   SOLE   8,100 0 0
Envirochem, Inc Common Stock 29403U105   3 27,500 SH   SOLE   27,500 0 0
Expedia Group Inc Common Stock 30212P303   405,197 4,176 SH   SOLE   4,176 0 0
Exxon Mobil Corp Common Stock 30231G102   877,280 8,000 SH   SOLE   8,000 0 0
Exxon Mobil Corp Common Stock 30231G102   147,493 1,345 SH   OTR   1,345 0 0
General Dynamics Corp Common Stock 369550108   363,310 1,592 SH   SOLE   1,592 0 0
Home Depot Inc Common Stock 437076102   314,598 1,066 SH   SOLE   1,066 0 0
Huntington Bancshares Inc Common Stock 446150104   177,699 15,866 SH   OTR   15,866 0 0
Intel Corp Common Stock 458140100   442,711 13,551 SH   SOLE   13,551 0 0
Intel Corp Common Stock 458140100   37,571 1,150 SH   OTR   1,150 0 0
International Business Machines Common Stock 459200101   183,264 1,398 SH   SOLE   1,398 0 0
International Business Machines Common Stock 459200101   219,576 1,675 SH   OTR   1,675 0 0
Invesco S&P 500 Equal Weight ETF Exchange Traded Fund 46137V357   2,471,411 17,089 SH   SOLE   17,089 0 0
Ishares Core MSCI EAFE ETF Exchange Traded Fund 46432F842   710,014 10,621 SH   SOLE   10,621 0 0
iShares Core MSCI International Exchange Traded Fund 46435G326   3,394,544 56,136 SH   SOLE   56,136 0 0
IShares Core S&P 500 ETF Exchange Traded Fund 464287200   388,060 944 SH   SOLE   944 0 0
iShares Gold Trust Exchange Traded Fund 464285204   242,905 6,500 SH   SOLE   6,500 0 0
IShares MSCI Emerging Markets Exchange Traded Fund 464287234   309,327 7,839 SH   SOLE   7,839 0 0
IShares Russell 1000 Growth Index Fund Exchange Traded Fund 464287614   1,704,690 6,977 SH   SOLE   6,977 0 0
IShares Russell 2000 Growth Fund Exchange Traded Fund 464287648   716,524 3,159 SH   SOLE   3,159 0 0
IShares Russell MidCap Growth Exchange Traded Fund 464287481   1,392,155 15,290 SH   SOLE   15,290 0 0
J P Morgan Chase & Co Common Stock 46625H100   1,040,395 7,984 SH   SOLE   7,984 0 0
J P Morgan Chase & Co Common Stock 46625H100   61,376 471 SH   OTR   471 0 0
Johnson & Johnson Common Stock 478160104   635,810 4,102 SH   SOLE   4,102 0 0
Johnson & Johnson Common Stock 478160104   173,600 1,120 SH   OTR   1,120 0 0
Kellogg Co Common Stock 487836108   232,284 3,469 SH   SOLE   3,469 0 0
KKR & Company Inc Common Stock 48251W104   736,698 14,027 SH   SOLE   14,027 0 0
Lockheed Martin Corp Common Stock 539830109   609,822 1,290 SH   SOLE   1,290 0 0
Lockheed Martin Corp Common Stock 539830109   35,455 75 SH   OTR   75 0 0
Lowes Companies Inc Common Stock 548661107   314,753 1,574 SH   SOLE   1,574 0 0
Marathon Petroleum Corp Common Stock 56585A102   222,200 1,648 SH   SOLE   1,648 0 0
Mastercard Inc Common Stock 57636Q104   1,032,448 2,841 SH   SOLE   2,841 0 0
Mastercard Inc Common Stock 57636Q104   149,725 412 SH   OTR   412 0 0
McDonalds Corp Common Stock 580135101   434,514 1,554 SH   SOLE   1,554 0 0
Merck and Co Inc Common Stock 58933Y105   395,345 3,716 SH   SOLE   3,716 0 0
Meta Platforms Inc Common Stock 30303M102   520,313 2,455 SH   SOLE   2,455 0 0
Meta Platforms Inc Common Stock 30303M102   74,179 350 SH   OTR   350 0 0
Microsoft Corp Common Stock 594918104   1,841,949 6,389 SH   SOLE   6,389 0 0
Microsoft Corp Common Stock 594918104   86,490 300 SH   OTR   300 0 0
Minnehaha Banshares Inc-Common Common Stock 603995002   1,752,600 9,200 SH   SOLE   9,200 0 0
Monster Beverage Common Stock 61174X109   394,813 7,310 SH   SOLE   7,310 0 0
Monster Beverage Common Stock 61174X109   59,951 1,110 SH   OTR   1,110 0 0
Nextera Energy Inc Common Stock 65339F101   247,118 3,206 SH   SOLE   3,206 0 0
Nextera Energy Inc Common Stock 65339F101   142,444 1,848 SH   OTR   1,848 0 0
Nike Common Stock 654106103   449,721 3,667 SH   SOLE   3,667 0 0
Oracle Corp Common Stock 68389X105   1,006,045 10,827 SH   SOLE   10,827 0 0
Oracle Corp Common Stock 68389X105   185,840 2,000 SH   OTR   2,000 0 0
O'Reilly Automotive Inc Common Stock 67103H107   404,114 476 SH   SOLE   476 0 0
O'Reilly Automotive Inc Common Stock 67103H107   118,857 140 SH   OTR   140 0 0
Paypal Holdings Inc Common Stock 70450Y103   258,120 3,399 SH   SOLE   3,399 0 0
Paypal Holdings Inc Common Stock 70450Y103   26,579 350 SH   OTR   350 0 0
Pepsico Inc Common Stock 713448108   535,780 2,939 SH   SOLE   2,939 0 0
Pfizer Inc Common Stock 717081103   295,106 7,233 SH   SOLE   7,233 0 0
Pfizer Inc Common Stock 717081103   36,108 885 SH   OTR   885 0 0
Phillips 66 Common Stock 718546104   322,794 3,184 SH   SOLE   3,184 0 0
Procter & Gamble Co Common Stock 742718109   671,038 4,513 SH   SOLE   4,513 0 0
Qualcomm Inc Common Stock 747525103   107,422 842 SH   SOLE   842 0 0
Qualcomm Inc Common Stock 747525103   95,685 750 SH   OTR   750 0 0
Salesforce, Inc Common Stock 79466L302   264,509 1,324 SH   SOLE   1,324 0 0
Schwab U.S. Large-Cap Growth ETF Exchange Traded Fund 808524300   1,809,445 27,765 SH   SOLE   27,765 0 0
Servicenow Inc Common Stock 81762P102   343,893 740 SH   SOLE   740 0 0
Sherwin Williams Co Common Stock 824348106   827,378 3,681 SH   SOLE   3,681 0 0
Simon Property Group Inc Common Stock 828806109   281,605 2,515 SH   SOLE   2,515 0 0
Simon Property Group Inc Common Stock 828806109   50,387 450 SH   OTR   450 0 0
SPDR Dow Jones Industrial Ave ETF Trust Exchange Traded Fund 78467X109   107,436 323 SH   SOLE   323 0 0
SPDR Dow Jones Industrial Ave ETF Trust Exchange Traded Fund 78467X109   234,497 705 SH   OTR   705 0 0
SPDR S&P 500 ETF Trust Exchange Traded Fund 78462F103   49,536 121 SH   SOLE   121 0 0
SPDR S&P 500 ETF Trust Exchange Traded Fund 78462F103   368,451 900 SH   OTR   900 0 0
Steven Madden LTD Common Stock 556269108   291,600 8,100 SH   SOLE   8,100 0 0
Target Corp Common Stock 87612E106   507,159 3,062 SH   SOLE   3,062 0 0
Target Corp Common Stock 87612E106   99,378 600 SH   OTR   600 0 0
The Travelers Companies Inc Common Stock 89417E109   438,124 2,556 SH   SOLE   2,556 0 0
TJX Companies Inc Common Stock 872540109   501,504 6,400 SH   SOLE   6,400 0 0
Uber Technologies Inc Common Stock 90353T100   217,177 6,851 SH   SOLE   6,851 0 0
Union Pacific Corp Common Stock 907818108   1,017,571 5,056 SH   SOLE   5,056 0 0
UnitedHealth Group Inc Common Stock 91324P102   767,959 1,625 SH   SOLE   1,625 0 0
Vanguard 500 Index Fund ETF Exchange Traded Fund 922908363   5,907,308 15,708 SH   SOLE   15,708 0 0
Vanguard Extended Market ETF Exchange Traded Fund 922908652   559,398 3,990 SH   SOLE   3,990 0 0
Vanguard FTSE Developed Markets Index Fund ETF Exchange Traded Fund 921943858   387,333 8,575 SH   SOLE   8,575 0 0
Vanguard FTSE Developed Markets Index Fund ETF Exchange Traded Fund 921943858   18,068 400 SH   OTR   400 0 0
Vanguard Growth Vipers Fund ETF Exchange Traded Fund 922908736   871,543 3,494 SH   SOLE   3,494 0 0
Vanguard Intermediate-Term Corp Fixed Income ETF 92206C870   25,480,599 317,634 SH   SOLE   0 0 317,634
Vanguard Long-Term Corporate Index Fund ETF Fixed Income ETF 92206C813   8,311,846 104,263 SH   SOLE   0 0 104,263
Vanguard Mid-Cap Index ETF Exchange Traded Fund 922908629   2,109,200 10,000 SH   SOLE   10,000 0 0
Vanguard Real Estate ETF Exchange Traded Fund 922908553   935,030 11,260 SH   SOLE   11,260 0 0
Vanguard Small-Cap Value ETF Exchange Traded Fund 922908611   869,370 5,476 SH   SOLE   5,476 0 0
Vanguard Value ETF Exchange Traded Fund 922908744   2,076,622 15,036 SH   SOLE   15,036 0 0
Vanguard Whitehall Funds High Dividend Yield Etf Exchange Traded Fund 921946406   731,537 6,934 SH   SOLE   6,934 0 0
Visa Inc Common Stock 92826C839   2,897,612 12,852 SH   SOLE   12,852 0 0
Vornado Realty Trust Common Stock 929042109   186,146 12,111 SH   SOLE   12,111 0 0
WalMart Inc Common Stock 931142103   126,217 856 SH   SOLE   856 0 0
WalMart Inc Common Stock 931142103   95,843 650 SH   OTR   650 0 0
Walt Disney Productions Common Stock 254687106   1,004,004 10,027 SH   SOLE   10,027 0 0
Walt Disney Productions Common Stock 254687106   27,035 270 SH   OTR   270 0 0
Waste Management Inc Common Stock 94106L109   343,473 2,105 SH   SOLE   2,105 0 0
Wells Fargo & Co Common Stock 949746101   748,273 20,018 SH   SOLE   20,018 0 0
Wells Fargo & Co Common Stock 949746101   61,677 1,650 SH   OTR   1,650 0 0
Xcel Energy Inc Common Stock 98389B100   388,926 5,767 SH   SOLE   5,767 0 0