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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABS COM 002824100 2,231 24,400 SH   SOLE   23,500 0 900
ABBOTT LABS COM 002824100 759 8,300 SH   OTR   0 0 8,300
ABBVIE INC COM 00287Y109 2,778 28,300 SH   SOLE   27,100 0 1,200
ABBVIE INC COM 00287Y109 815 8,300 SH   OTR   0 0 8,300
AGILENT TECHNOLOGIES INC COM 00846U101 1,582 17,900 SH   SOLE   17,900 0 0
APPLE INC COM 037833100 5,011 13,735 SH   SOLE   13,735 0 0
APPLIED MATLS INC COM 038222105 2,134 35,300 SH   SOLE   35,300 0 0
AT&T INC COM 00206R102 1,472 48,700 SH   SOLE   46,300 0 2,400
AT&T INC COM 00206R102 82 2,700 SH   OTR   0 0 2,700
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,740 9,750 SH   SOLE   9,750 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 3,122 53,100 SH   SOLE   51,100 0 2,000
CANON INC SPONSORED ADR 138006309 653 32,700 SH   SOLE   32,700 0 0
CISCO SYS INC COM 17275R102 3,647 78,200 SH   SOLE   74,300 0 3,900
CISCO SYS INC COM 17275R102 70 1,500 SH   OTR   0 0 1,500
COCA COLA CO COM 191216100 36 800 SH   OTR   0 0 800
COCA COLA CO COM 191216100 1,466 32,800 SH   SOLE   29,800 0 3,000
CORNING INC COM 219350105 1,461 56,400 SH   SOLE   54,000 0 2,400
CORTEVA INC COM 22052L104 633 23,616 SH   SOLE   23,616 0 0
DOW INC COM 260557103 837 20,531 SH   SOLE   20,531 0 0
DUPONT DE NEMOURS INC COM 26614N102 1,255 23,618 SH   SOLE   23,618 0 0
EMERSON ELEC CO COM 291011104 93 1,500 SH   OTR   0 0 1,500
EMERSON ELEC CO COM 291011104 2,605 42,000 SH   SOLE   40,500 0 1,500
EXXON MOBIL CORP COM 30231G102 197 4,416 SH   SOLE   4,416 0 0
EXXON MOBIL CORP COM 30231G102 591 13,221 SH   OTR   0 0 13,221
GENERAL ELECTRIC CO COM 369604103 572 83,700 SH   SOLE   83,700 0 0
GENERAL ELECTRIC CO COM 369604103 136 19,878 SH   OTR   0 0 19,878
GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 1,220 29,900 SH   SOLE   29,900 0 0
HEWLETT PACKARD ENTERPRISE C COM 42824C109 556 57,100 SH   SOLE   54,100 0 3,000
HP INC COM 40434L105 995 57,100 SH   SOLE   54,100 0 3,000
ING GROEP N.V. SPONSORED ADR 456837103 566 82,000 SH   SOLE   82,000 0 0
INTEL CORP COM 458140100 176 2,950 SH   OTR   0 0 2,950
INTEL CORP COM 458140100 5,205 87,000 SH   SOLE   82,000 0 5,000
INTERNATIONAL BUSINESS MACHS COM 459200101 128 1,064 SH   OTR   0 0 1,064
INTERNATIONAL BUSINESS MACHS COM 459200101 3,430 28,400 SH   SOLE   27,400 0 1,000
JOHNSON & JOHNSON COM 478160104 5,442 38,700 SH   SOLE   36,700 0 2,000
JOHNSON & JOHNSON COM 478160104 48 338 SH   OTR   0 0 338
KONINKLIJKE PHILIPS N V NY REG SH NEW 500472303 2,039 43,521 SH   SOLE   42,521 0 1,000
KONINKLIJKE PHILIPS N V NY REG SH NEW 500472303 42 899 SH   OTR   0 0 899
MARSH & MCLENNAN COS INC COM 571748102 2,770 25,800 SH   SOLE   24,300 0 1,500
MERCK & CO. INC COM 58933Y105 3,433 44,400 SH   SOLE   42,400 0 2,000
MERCK & CO. INC COM 58933Y105 232 3,000 SH   OTR   0 0 3,000
MICROSOFT CORP COM 594918104 10,766 52,900 SH   SOLE   51,200 0 1,700
MICROSOFT CORP COM 594918104 651 3,200 SH   OTR   0 0 3,200
NORTHERN TR CORP COM 665859104 1,008 12,700 SH   SOLE   12,700 0 0
NORTONLIFELOCK INC COM 668771108 1,021 51,500 SH   SOLE   51,500 0 0
NUCOR CORP COM 670346105 68 1,650 SH   OTR   0 0 1,650
NUCOR CORP COM 670346105 1,892 45,700 SH   SOLE   43,700 0 2,000
ORACLE CORP COM 68389X105 1,420 25,700 SH   SOLE   25,700 0 0
PFIZER INC COM 717081103 2,377 72,698 SH   SOLE   70,198 0 2,500
PFIZER INC COM 717081103 193 5,910 SH   OTR   0 0 5,910
PROCTER AND GAMBLE CO COM 742718109 1,913 16,000 SH   SOLE   16,000 0 0
PROCTER AND GAMBLE CO COM 742718109 48 400 SH   OTR   0 0 400
PROGRESSIVE CORP OHIO COM 743315103 5,293 66,072 SH   SOLE   66,072 0 0
PROGRESSIVE CORP OHIO COM 743315103 42,421 529,536 SH   OTR   529,536 0 0
STRYKER CORPORATION COM 863667101 10,938 60,700 SH   SOLE   59,200 0 1,500
STRYKER CORPORATION COM 863667101 1,496 8,300 SH   OTR   0 0 8,300
THERMO FISHER SCIENTIFIC INC COM 883556102 4,167 11,500 SH   SOLE   11,000 0 500
UNILEVER PLC SPON ADR NEW 904767704 3,707 67,540 SH   SOLE   63,240 0 4,300
UNILEVER PLC SPON ADR NEW 904767704 148 2,700 SH   OTR   0 0 2,700
UNITED PARCEL SERVICE INC CL B 911312106 1,584 14,250 SH   SOLE   13,750 0 500
UNITED PARCEL SERVICE INC CL B 911312106 89 800 SH   OTR   0 0 800
VERIZON COMMUNICATIONS INC COM 92343V104 1,926 34,936 SH   SOLE   33,436 0 1,500
VERIZON COMMUNICATIONS INC COM 92343V104 108 1,951 SH   OTR   0 0 1,951
WILEY JOHN & SONS INC CL A 968223206 585 15,000 SH   SOLE   15,000 0 0