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 2,361 24,400 SH   SOLE   23,500 0 900
ABBOTT LABS COM 002824100 803 8,300 SH   OTR   0 0 8,300
ABBVIE INC COM 00287Y109 3,838 28,600 SH   SOLE   27,400 0 1,200
ABBVIE INC COM 00287Y109 1,114 8,300 SH   OTR   0 0 8,300
AGILENT TECHNOLOGIES INC COM 00846U101 2,176 17,900 SH   SOLE   17,900 0 0
APPLE INC COM 037833100 7,593 54,940 SH   SOLE   54,940 0 0
APPLIED MATLS INC COM 038222105 2,564 31,300 SH   SOLE   31,300 0 0
AT&T INC COM 00206R102 1,322 86,200 SH   SOLE   83,800 0 2,400
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 360 1,350 SH   SOLE   1,350 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 3,860 54,300 SH   SOLE   52,300 0 2,000
CANON INC SPONSORED ADR 138006309 1,596 73,200 SH   SOLE   73,200 0 0
CISCO SYS INC COM 17275R102 3,248 81,200 SH   SOLE   77,500 0 3,700
CISCO SYS INC COM 17275R102 60 1,500 SH   OTR   0 0 1,500
COCA COLA CO COM 191216100 45 800 SH   OTR   0 0 800
COCA COLA CO COM 191216100 1,613 28,800 SH   SOLE   26,800 0 2,000
CORNING INC COM 219350105 1,637 56,400 SH   SOLE   54,000 0 2,400
EMERSON ELEC CO COM 291011104 3,039 41,500 SH   SOLE   40,000 0 1,500
EMERSON ELEC CO COM 291011104 110 1,500 SH   OTR   0 0 1,500
EXXON MOBIL CORP COM 30231G102 96 1,104 SH   SOLE   1,104 0 0
EXXON MOBIL CORP COM 30231G102 1,142 13,081 SH   OTR   0 0 13,081
GENERAL ELECTRIC CO COM NEW 369604301 595 9,611 SH   SOLE   9,611 0 0
GENERAL ELECTRIC CO COM NEW 369604301 154 2,484 SH   OTR   0 0 2,484
GSK PLC SPONSORED ADR 37733W204 1,559 52,960 SH   SOLE   52,960 0 0
HALEON PLC SPON ADS 405552100 403 66,200 SH   SOLE   66,200 0 0
HEWLETT PACKARD ENTERPRISE C COM 42824C109 684 57,100 SH   SOLE   54,100 0 3,000
HP INC COM 40434L105 1,423 57,100 SH   SOLE   54,100 0 3,000
ING GROEP N.V. SPONSORED ADR 456837103 697 82,000 SH   SOLE   82,000 0 0
INTEL CORP COM 458140100 3,273 127,000 SH   SOLE   122,000 0 5,000
INTEL CORP COM 458140100 76 2,950 SH   OTR   0 0 2,950
INTERNATIONAL BUSINESS MACHS COM 459200101 126 1,064 SH   OTR   0 0 1,064
INTERNATIONAL BUSINESS MACHS COM 459200101 3,386 28,500 SH   SOLE   27,500 0 1,000
JOHNSON & JOHNSON COM 478160104 6,322 38,700 SH   SOLE   36,800 0 1,900
JOHNSON & JOHNSON COM 478160104 55 338 SH   OTR   0 0 338
KONINKLIJKE PHILIPS N V NY REGIS SHS NEW 500472303 719 46,701 SH   SOLE   45,681 0 1,020
KONINKLIJKE PHILIPS N V NY REGIS SHS NEW 500472303 14 917 SH   OTR   0 0 917
MARSH & MCLENNAN COS INC COM 571748102 3,837 25,700 SH   SOLE   24,300 0 1,400
MERCK & CO INC COM 58933Y105 5,727 66,500 SH   SOLE   64,500 0 2,000
MERCK & CO INC COM 58933Y105 258 3,000 SH   OTR   0 0 3,000
MICROSOFT CORP COM 594918104 10,015 43,000 SH   SOLE   41,600 0 1,400
MICROSOFT CORP COM 594918104 745 3,200 SH   OTR   0 0 3,200
NORTHERN TR CORP COM 665859104 1,087 12,700 SH   SOLE   12,700 0 0
NORTONLIFELOCK INC COM 668771108 1,037 51,500 SH   SOLE   51,500 0 0
NUCOR CORP COM 670346105 132 1,235 SH   OTR   0 0 1,235
NUCOR CORP COM 670346105 2,803 26,200 SH   SOLE   24,700 0 1,500
ORACLE CORP COM 68389X105 1,569 25,700 SH   SOLE   25,700 0 0
ORGANON & CO COMMON STOCK 68622V106 1,209 51,650 SH   SOLE   51,650 0 0
ORGANON & CO COMMON STOCK 68622V106 7 300 SH   OTR   0 0 300
PFIZER INC COM 717081103 259 5,910 SH   OTR   0 0 5,910
PFIZER INC COM 717081103 3,531 80,698 SH   SOLE   78,198 0 2,500
PROCTER AND GAMBLE CO COM 742718109 50 400 SH   OTR   0 0 400
PROCTER AND GAMBLE CO COM 742718109 2,020 16,000 SH   SOLE   16,000 0 0
PROGRESSIVE CORP COM 743315103 7,678 66,072 SH   SOLE   66,072 0 0
PROGRESSIVE CORP COM 743315103 58,986 507,581 SH   OTR   507,581 0 0
STRYKER CORPORATION COM 863667101 12,173 60,100 SH   SOLE   58,700 0 1,400
STRYKER CORPORATION COM 863667101 1,674 8,266 SH   OTR   0 0 8,266
THERMO FISHER SCIENTIFIC INC COM 883556102 5,782 11,400 SH   SOLE   11,000 0 400
UNILEVER PLC SPON ADR NEW 904767704 3,215 73,340 SH   SOLE   69,340 0 4,000
UNILEVER PLC SPON ADR NEW 904767704 118 2,700 SH   OTR   0 0 2,700
UNITED PARCEL SERVICE INC CL B 911312106 129 800 SH   OTR   0 0 800
UNITED PARCEL SERVICE INC CL B 911312106 2,286 14,150 SH   SOLE   13,750 0 400
VERIZON COMMUNICATIONS INC COM 92343V104 74 1,951 SH   OTR   0 0 1,951
VERIZON COMMUNICATIONS INC COM 92343V104 1,733 45,636 SH   SOLE   44,136 0 1,500
WILEY JOHN & SONS INC CL A 968223206 1,818 48,400 SH   SOLE   48,400 0 0