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 COMMON STOCK 002824100 261 2,698 SH   OTR   2,698 0 0
ABBVIE INC COMMON STOCK 00287Y109 1,693 12,617 SH   DFND   11,887 0 730
ABBVIE INC COMMON STOCK 00287Y109 276 2,058 SH   OTR   2,058 0 0
AFLAC INC COMMON STOCK 001055102 1,810 32,210 SH   DFND   29,920 0 2,290
AFLAC INC COMMON STOCK 001055102 268 4,770 SH   OTR   4,770 0 0
ALNYLAM PHARMACEUTICALS INC COMMON STOCK 02043Q107 400 2,000 SH   DFND   2,000 0 0
ALPHABET INC CL A COMMON STOCK 02079K305 2,184 22,831 SH   DFND   22,302 0 529
ALPHABET INC CL A COMMON STOCK 02079K305 390 4,080 SH   OTR   4,080 0 0
ALPHABET INC CL C COMMON STOCK 02079K107 482 5,011 SH   DFND   3,280 0 1,731
AMAZON COM INC COMMON STOCK 023135106 443 3,917 SH   DFND   300 0 3,617
AMERICAN EXPRESS CO COMMON STOCK 025816109 202 1,500 SH   DFND   1,000 0 500
APPLE INC COMMON STOCK 037833100 6,145 44,467 SH   DFND   38,727 0 5,740
APPLE INC COMMON STOCK 037833100 522 3,775 SH   OTR   3,775 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 1,945 8,601 SH   DFND   8,601 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 326 1,440 SH   OTR   1,440 0 0
BERKSHIRE HATHAWAY INC DEL CL COMMON STOCK 084670108 406 1 SH   DFND   0 0 1
BERKSHIRE HATHAWAY INC DEL CL COMMON STOCK 084670702 3,390 12,697 SH   DFND   10,608 0 2,089
BERKSHIRE HATHAWAY INC DEL CL COMMON STOCK 084670702 413 1,545 SH   OTR   1,545 0 0
BOOZ ALLEN HAMILTON HOLDING CO COMMON STOCK 099502106 1,267 13,723 SH   DFND   13,723 0 0
BOOZ ALLEN HAMILTON HOLDING CO COMMON STOCK 099502106 231 2,505 SH   OTR   2,505 0 0
CARRIER GLOBAL CORP COMMON STOCK 14448C104 407 11,450 SH   DFND   10,650 0 800
CARRIER GLOBAL CORP COMMON STOCK 14448C104 92 2,600 SH   OTR   2,600 0 0
CHEVRON CORPORATION COMMON STOCK 166764100 309 2,152 SH   DFND   391 0 1,761
COCA-COLA CO COMMON STOCK 191216100 1,218 21,745 SH   DFND   19,409 0 2,336
COCA-COLA CO COMMON STOCK 191216100 133 2,372 SH   OTR   2,372 0 0
COGNIZANT TECHNOLOGY SOLUTIONS COMMON STOCK 192446102 1,170 20,365 SH   DFND   20,365 0 0
COGNIZANT TECHNOLOGY SOLUTIONS COMMON STOCK 192446102 174 3,030 SH   OTR   3,030 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 1,309 18,639 SH   DFND   16,019 0 2,620
COLGATE PALMOLIVE CO COMMON STOCK 194162103 222 3,159 SH   OTR   3,159 0 0
COMCAST CORP NEW CL A COMMON STOCK 20030N101 982 33,486 SH   DFND   33,486 0 0
COMCAST CORP NEW CL A COMMON STOCK 20030N101 157 5,345 SH   OTR   5,345 0 0
CUMMINS INC COMMON STOCK 231021106 1,364 6,703 SH   DFND   6,258 0 445
CUMMINS INC COMMON STOCK 231021106 225 1,105 SH   OTR   1,105 0 0
DANAHER CORP COMMON STOCK 235851102 2,729 10,564 SH   DFND   10,070 0 494
DANAHER CORP COMMON STOCK 235851102 404 1,565 SH   OTR   1,565 0 0
DIGITAL RLTY TR INC COMMON STOCK 253868103 1,361 13,727 SH   DFND   13,727 0 0
DIGITAL RLTY TR INC COMMON STOCK 253868103 244 2,460 SH   OTR   2,460 0 0
DISNEY WALT CO COMMON STOCK 254687106 200 2,122 SH   DFND   1,155 0 967
ELECTRONIC ARTS INC COMMON STOCK 285512109 525 4,538 SH   DFND   4,538 0 0
ELECTRONIC ARTS INC COMMON STOCK 285512109 104 900 SH   OTR   900 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102 1,620 18,557 SH   DFND   18,157 0 400
EXXON MOBIL CORP COMMON STOCK 30231G102 378 4,335 SH   OTR   4,335 0 0
FORTIVE CORP COMMON STOCK 34959J108 690 11,837 SH   DFND   11,837 0 0
FORTIVE CORP COMMON STOCK 34959J108 112 1,924 SH   OTR   1,924 0 0
GENERAL MLS INC COMMON STOCK 370334104 1,454 18,980 SH   DFND   18,980 0 0
GENERAL MLS INC COMMON STOCK 370334104 256 3,340 SH   OTR   3,340 0 0
HOME DEPOT INC COMMON STOCK 437076102 1,612 5,841 SH   DFND   5,271 0 570
HOME DEPOT INC COMMON STOCK 437076102 262 948 SH   OTR   948 0 0
ILLINOIS TOOL WKS INC COMMON STOCK 452308109 934 5,169 SH   DFND   5,169 0 0
ILLINOIS TOOL WKS INC COMMON STOCK 452308109 309 1,710 SH   OTR   1,710 0 0
INTERNATIONAL BUSINESS MACHS C COMMON STOCK 459200101 884 7,441 SH   DFND   7,041 0 400
INTERNATIONAL BUSINESS MACHS C COMMON STOCK 459200101 188 1,580 SH   OTR   1,580 0 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103 501 15,793 SH   DFND   15,793 0 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103 103 3,250 SH   OTR   3,250 0 0
JACOBS SOLUTIONS INC COMMON STOCK 46982L108 2,168 19,985 SH   DFND   19,985 0 0
JACOBS SOLUTIONS INC COMMON STOCK 46982L108 334 3,075 SH   OTR   3,075 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 2,067 12,652 SH   DFND   12,386 0 266
JOHNSON & JOHNSON COMMON STOCK 478160104 380 2,327 SH   OTR   2,327 0 0
JPMORGAN CHASE & CO COMMON STOCK 46625H100 432 4,133 SH   DFND   2,041 0 2,092
KIMBERLY CLARK CORP COMMON STOCK 494368103 678 6,025 SH   DFND   6,025 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 151 1,343 SH   OTR   1,343 0 0
LEIDOS HOLDINGS INC COMMON STOCK 525327102 1,362 15,566 SH   DFND   15,566 0 0
LEIDOS HOLDINGS INC COMMON STOCK 525327102 230 2,632 SH   OTR   2,632 0 0
LILLY ELI & CO COMMON STOCK 532457108 206 638 SH   DFND   638 0 0
LINDE PLC COMMON STOCK G5494J103 1,674 6,209 SH   DFND   6,151 0 58
LINDE PLC COMMON STOCK G5494J103 386 1,433 SH   OTR   1,433 0 0
MCCORMICK & CO INC COMMON STOCK 579780206 342 4,804 SH   DFND   4,804 0 0
MCCORMICK & CO INC COMMON STOCK 579780206 81 1,141 SH   OTR   1,141 0 0
MERCK & CO INC NEW COMMON STOCK 58933Y105 222 2,576 SH   DFND   1,629 0 947
META PLATFORMS, INC COMMON STOCK 30303M102 535 3,940 SH   DFND   3,715 0 225
META PLATFORMS, INC COMMON STOCK 30303M102 89 655 SH   OTR   655 0 0
MICROSOFT CORP COMMON STOCK 594918104 3,844 16,505 SH   DFND   13,103 0 3,402
MICROSOFT CORP COMMON STOCK 594918104 521 2,236 SH   OTR   2,236 0 0
NIKE INC CL B COMMON STOCK 654106103 1,929 23,208 SH   DFND   22,908 0 300
NIKE INC CL B COMMON STOCK 654106103 562 6,758 SH   OTR   6,758 0 0
NORFOLK SOUTHN CORP COMMON STOCK 655844108 300 1,430 SH   DFND   1,000 0 430
NUCOR CORP COMMON STOCK 670346105 1,709 15,973 SH   DFND   15,973 0 0
NUCOR CORP COMMON STOCK 670346105 216 2,015 SH   OTR   2,015 0 0
OLD REP INTL CORP COMMON STOCK 680223104 3 133 SH   DFND   133 0 0
OLD REP INTL CORP COMMON STOCK 680223104 285 13,625 SH   OTR   13,625 0 0
ORACLE CORP COMMON STOCK 68389X105 1,783 29,196 SH   DFND   26,196 0 3,000
ORACLE CORP COMMON STOCK 68389X105 286 4,688 SH   OTR   4,688 0 0
OTIS WORLDWIDE CORP COMMON STOCK 68902V107 410 6,423 SH   DFND   6,023 0 400
OTIS WORLDWIDE CORP COMMON STOCK 68902V107 106 1,660 SH   OTR   1,660 0 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103 646 7,502 SH   DFND   7,094 0 408
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103 114 1,320 SH   OTR   1,320 0 0
PEPSICO INC COMMON STOCK 713448108 1,614 9,885 SH   DFND   9,466 0 419
PEPSICO INC COMMON STOCK 713448108 442 2,705 SH   OTR   2,705 0 0
PFIZER INC COMMON STOCK 717081103 279 6,385 SH   DFND   3,500 0 2,885
POLARIS INC COMMON STOCK 731068102 689 7,200 SH   DFND   7,200 0 0
POLARIS INC COMMON STOCK 731068102 124 1,295 SH   OTR   1,295 0 0
PRINCIPAL FINANCIAL GROUP INC COMMON STOCK 74251V102 216 3,000 SH   DFND   3,000 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 360 2,850 SH   DFND   957 0 1,893
PRUDENTIAL FINL INC COMMON STOCK 744320102 970 11,303 SH   DFND   11,303 0 0
PRUDENTIAL FINL INC COMMON STOCK 744320102 160 1,870 SH   OTR   1,870 0 0
QUALCOMM INC COMMON STOCK 747525103 2,623 23,216 SH   DFND   22,816 0 400
QUALCOMM INC COMMON STOCK 747525103 457 4,048 SH   OTR   4,048 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 1,025 12,519 SH   DFND   11,719 0 800
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 508 6,205 SH   OTR   6,205 0 0
REALTY INCOME CORP COMMON STOCK 756109104 1,613 27,707 SH   DFND   27,707 0 0
REALTY INCOME CORP COMMON STOCK 756109104 293 5,029 SH   OTR   5,029 0 0
SAREPTA THERAPEUTICS INC COMMON STOCK 803607100 221 2,000 SH   DFND   2,000 0 0
SCHLUMBERGER LTD COMMON STOCK 806857108 920 25,631 SH   DFND   25,631 0 0
SCHLUMBERGER LTD COMMON STOCK 806857108 135 3,760 SH   OTR   3,760 0 0
SNAP-ON INC COMMON STOCK 833034101 788 3,912 SH   DFND   3,912 0 0
SNAP-ON INC COMMON STOCK 833034101 131 650 SH   OTR   650 0 0
STATE STR CORP COMMON STOCK 857477103 1,115 18,339 SH   DFND   17,939 0 400
STATE STR CORP COMMON STOCK 857477103 194 3,195 SH   OTR   3,195 0 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108 1,136 10,818 SH   DFND   10,818 0 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108 203 1,930 SH   OTR   1,930 0 0
TARGET CORP COMMON STOCK 87612E106 1,535 10,345 SH   DFND   9,134 0 1,211
TARGET CORP COMMON STOCK 87612E106 212 1,430 SH   OTR   1,430 0 0
THERMO FISHER SCIENTIFIC INC. COMMON STOCK 883556102 3,548 6,996 SH   DFND   6,855 0 141
THERMO FISHER SCIENTIFIC INC. COMMON STOCK 883556102 777 1,532 SH   OTR   1,532 0 0
TIMKEN CO COMMON STOCK 887389104 1,175 19,901 SH   DFND   19,901 0 0
TIMKEN CO COMMON STOCK 887389104 235 3,975 SH   OTR   3,975 0 0
TORONTO DOMINION BK COMMON STOCK 891160509 1,256 20,483 SH   DFND   20,483 0 0
TORONTO DOMINION BK COMMON STOCK 891160509 221 3,600 SH   OTR   3,600 0 0
UNION PAC CORP COMMON STOCK 907818108 1,905 9,776 SH   DFND   9,776 0 0
UNION PAC CORP COMMON STOCK 907818108 368 1,890 SH   OTR   1,890 0 0
UNITED PARCEL SERVICE INC COMMON STOCK 911312106 276 1,708 SH   DFND   197 0 1,511
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 473 936 SH   DFND   514 0 422
VERIZON COMMUNICATIONS INC COMMON STOCK 92343V104 1,265 33,309 SH   DFND   32,023 0 1,286
VERIZON COMMUNICATIONS INC COMMON STOCK 92343V104 180 4,745 SH   OTR   4,745 0 0
VISA INC - CLASS A COMMON STOCK 92826C839 320 1,802 SH   DFND   1,376 0 426
WABTEC CORP COMMON STOCK 929740108 784 9,637 SH   DFND   9,637 0 0
WABTEC CORP COMMON STOCK 929740108 133 1,640 SH   OTR   1,640 0 0
WALMART INC COMMON STOCK 931142103 1,705 13,143 SH   DFND   12,343 0 800
WALMART INC COMMON STOCK 931142103 364 2,803 SH   OTR   2,803 0 0
WASTE CONNECTIONS INC COMMON STOCK 94106B101 629 4,658 SH   DFND   4,658 0 0
WELLS FARGO & CO NEW COMMON STOCK 949746101 427 10,623 SH   DFND   9,104 0 1,519
3M CO COMMON STOCK 88579Y101 172 1,554 SH   DFND   1,554 0 0
3M CO COMMON STOCK 88579Y101 88 800 SH   OTR   800 0 0
VANGUARD TOTAL BOND MARKET ETF OTHER 921937835 207 2,895 SH   DFND   2,895 0 0
VANGUARD FTSE DEVELOPED MKTS E OTHER 921943858 855 23,508 SH   DFND   23,508 0 0
VANGUARD TOT WORLD STK ETF OTHER 922042742 687 8,710 SH   DFND   8,710 0 0
ISHARES BIOTECHNOLOGY ETF OTHER 464287556 945 8,082 SH   DFND   8,082 0 0
ISHARES BIOTECHNOLOGY ETF OTHER 464287556 205 1,750 SH   OTR   1,750 0 0
ISHARES DOW JONES SELECT DIV I OTHER 464287168 994 9,271 SH   DFND   8,975 0 296
ISHARES DOW JONES SELECT DIV I OTHER 464287168 21 200 SH   OTR   200 0 0
ISHARES S&P MIDCAP 400 GROWTH OTHER 464287606 266 4,216 SH   DFND   3,416 0 800
SCHWAB U.S. LARGE-CAP GROWTH E OTHER 808524300 721 12,919 SH   DFND   403 0 12,516
SCHWAB US DVD EQUITY ETF OTHER 808524797 277 4,171 SH   DFND   0 0 4,171
VANGUARD GROWTH ETF OTHER 922908736 776 3,625 SH   DFND   3,625 0 0
VANGUARD MID CAP ETF OTHER 922908629 284 1,510 SH   DFND   1,510 0 0
VANGUARD SMALL-CAP ETF OTHER 922908751 707 4,137 SH   DFND   4,137 0 0
VANGUARD VALUE ETF OTHER 922908744 423 3,423 SH   DFND   3,423 0 0