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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO Equities 88579Y101   244,802 1,608 SH   SOLE   1,608 0 0
ABBOTT LABS Equities 002824100   1,650,345 12,134 SH   SOLE   12,134 0 0
ABBVIE INC Equities 00287Y109   387,389 2,087 SH   SOLE   2,087 0 0
ACCENTURE PLC Equities G1151C101   347,310 1,162 SH   SOLE   1,162 0 0
ADOBE SYS INC Equities 00724F101   82,019 212 SH   DFND   212 0 0
ADOBE SYS INC Equities 00724F101   7,611,477 19,674 SH   SOLE   19,674 0 0
ADV MICRO DEVICES Equities 007903107   204,762 1,443 SH   SOLE   1,443 0 0
AECOM TECHNOLOGY Equities 00766T100   7,501,578 66,468 SH   SOLE   66,468 0 0
AIR PRODUCTS & CHEM Equities 009158106   243,136 862 SH   SOLE   862 0 0
ALLSTATE CORP Equities 020002101   663,316 3,295 SH   SOLE   3,295 0 0
ALPHABE CL C Equities 02079K107   945,843 5,332 SH   SOLE   5,332 0 0
ALPHABET CL A Equities 02079K305   155,082 880 SH   DFND   880 0 0
ALPHABET CL A Equities 02079K305   16,851,994 95,625 SH   SOLE   95,625 0 0
AMAZON COM INC Equities 023135106   15,570,766 70,973 SH   SOLE   70,973 0 0
AMER EUROPACIFIC GRW Mutual Funds 298706110   326,618 5,373 SH   SOLE   5,373 0 0
AMEREN CORP Equities 023608102   996,223 10,373 SH   SOLE   10,373 0 0
AMERICAN ELEC POWER Equities 025537101   300,904 2,900 SH   SOLE   2,900 0 0
AMERICAN EXPRESS CO Equities 025816109   826,477 2,591 SH   SOLE   2,591 0 0
AMGEN INC Equities 031162100   6,852,930 24,544 SH   SOLE   24,544 0 0
APOLLO GLOBAL MGMT Equities 03769M106   1,219,231 8,594 SH   SOLE   8,594 0 0
APPLE INC Equities 037833100   221,584 1,080 SH   DFND   1,080 0 0
APPLE INC Equities 037833100   18,868,254 91,964 SH   SOLE   91,964 0 0
APPLIED MATERIALS Equities 038222105   1,369,181 7,479 SH   SOLE   7,479 0 0
AT&T INC Equities 00206R102   174,508 6,030 SH   DFND   6,030 0 0
AT&T INC Equities 00206R102   263,846 9,117 SH   SOLE   9,117 0 0
AUTO DATA PROCESS Equities 053015103   226,057 733 SH   SOLE   733 0 0
AUTOZONE INC Equities 053332102   913,209 246 SH   SOLE   246 0 0
BANKAMERICA CORP NEW Equities 060505104   252,500 5,336 SH   SOLE   5,336 0 0
BERKSHIRE HATHAWAY Equities 084670702   401,732 827 SH   SOLE   827 0 0
BLACKROCK INC Equities 09290D101   867,730 827 SH   SOLE   827 0 0
BOSTON SCIENTIFIC Equities 101137107   1,155,624 10,759 SH   SOLE   10,759 0 0
BROADCOM INC Equities 11135F101   4,166,450 15,115 SH   SOLE   15,115 0 0
CATERPILLAR INC Equities 149123101   8,026,242 20,675 SH   SOLE   20,675 0 0
CBOE GLOBAL MARKETS Equities 12503M108   1,581,863 6,783 SH   SOLE   6,783 0 0
CHARLES SCHWAB CORP Equities 808513105   3,402,431 37,291 SH   SOLE   37,291 0 0
CHEVRON CORP Equities 166764100   807,305 5,638 SH   SOLE   5,638 0 0
CHUBB LTD Equities H1467J104   3,621,500 12,500 SH   SOLE   12,500 0 0
CINTAS CORP Equities 172908105   246,717 1,107 SH   SOLE   1,107 0 0
CISCO SYSTEMS INC Equities 17275R102   1,977,677 28,505 SH   SOLE   28,505 0 0
COCA COLA CO Equities 191216100   28,300 400 SH   DFND   400 0 0
COCA COLA CO Equities 191216100   1,155,348 16,330 SH   SOLE   16,330 0 0
COLGATE PALMOLIVE CO Equities 194162103   262,337 2,886 SH   SOLE   2,886 0 0
COMCAST CORP NEW A Equities 20030N101   1,662,583 46,584 SH   SOLE   46,584 0 0
COMMUNITY TRUST BANK Equities 204149108   358,745 6,779 SH   SOLE   6,779 0 0
CORNING INCORPORATED Equities 219350105   539,416 10,257 SH   SOLE   10,257 0 0
COSTCO WHOLESALE Equities 22160K105   14,074,967 14,218 SH   SOLE   14,218 0 0
D R HORTON INC Equities 23331A109   3,038,000 23,565 SH   SOLE   23,565 0 0
DANAHER CORPORATION Equities 235851102   261,148 1,322 SH   SOLE   1,322 0 0
DEERE & CO Equities 244199105   2,903,986 5,711 SH   SOLE   5,711 0 0
DICKS SPORTING GOODS Equities 253393102   5,313,374 26,861 SH   SOLE   26,861 0 0
DISNEY(WALT) COMPANY Equities 254687106   37,203 300 SH   DFND   300 0 0
DISNEY(WALT) COMPANY Equities 254687106   1,734,404 13,986 SH   SOLE   13,986 0 0
DUKE ENERGY CORP NEW Equities 26441C204   235,882 1,999 SH   DFND   1,999 0 0
DUKE ENERGY CORP NEW Equities 26441C204   108,914 923 SH   SOLE   923 0 0
DUPONT DE NEMOURS Equities 26614N102   60,702 885 SH   DFND   885 0 0
DUPONT DE NEMOURS Equities 26614N102   1,005,804 14,664 SH   SOLE   14,664 0 0
DUPREE NORTH CAROLINA TAX FREE Mutual Funds 266155704   1,497,737 143,324 SH   SOLE   143,324 0 0
EATON CORP PLC Equities G29183103   311,295 872 SH   SOLE   872 0 0
ELI LILLY & CO Equities 532457108   1,713,407 2,198 SH   SOLE   2,198 0 0
EOG RES INC Equities 26875P101   868,129 7,258 SH   SOLE   7,258 0 0
EQT CORP Equities 26884L109   1,637,334 28,075 SH   SOLE   28,075 0 0
ETF I -SHARES TRUST Equities 464287465   9,407,761 105,244 SH   SOLE   104,697 547 0
ETF ISHARES INC MSCI Equities 46434G764   10,809,315 171,196 SH   SOLE   171,196 0 0
EXPEDIA GROUP, INC Equities 30212P303   1,299,679 7,705 SH   SOLE   7,705 0 0
EXXON MOBIL CORP Equities 30231G102   100,901 936 SH   DFND   936 0 0
EXXON MOBIL CORP Equities 30231G102   705,443 6,544 SH   SOLE   6,544 0 0
FED INTER MUNI TR Mutual Funds 458810108   186,512 19,489 SH   SOLE   19,489 0 0
FED ULTRASHORT BD CL Mutual Funds 31428Q747   307,541 33,104 SH   SOLE   33,104 0 0
FID 500 INDEX FD Mutual Funds 315911750   775,794 3,590 SH   SOLE   3,590 0 0
FID CONTRAFUND Mutual Funds 316071109   1,002,168 42,956 SH   SOLE   42,956 0 0
FIFTH THIRD BANCORP Equities 316773100   289,062 7,028 SH   SOLE   7,028 0 0
FISERV INC USD 0.01 Equities 337738108   715,329 4,149 SH   SOLE   4,149 0 0
FRANKLIN DYNAMIC ETF Mutual Funds 35473P868   17,999,246 741,931 SH   SOLE   741,931 0 0
GE AEROSPACE Equities 369604301   267,171 1,038 SH   DFND   1,038 0 0
GE AEROSPACE Equities 369604301   519,670 2,019 SH   SOLE   2,019 0 0
GE VERNOVA INC Equities 36828A101   220,126 416 SH   SOLE   416 0 0
GILEAD SCIENCES INC Equities 375558103   759,681 6,852 SH   SOLE   6,852 0 0
HERSHEY COMPANY Equities 427866108   2,448,592 14,755 SH   SOLE   14,755 0 0
HOME DEPOT INC Equities 437076102   164,988 450 SH   DFND   450 0 0
HOME DEPOT INC Equities 437076102   2,177,842 5,940 SH   SOLE   5,940 0 0
HONEYWELL INTL INC Equities 438516106   1,653,215 7,099 SH   SOLE   7,099 0 0
HUMANA INC Equities 444859102   684,300 2,799 SH   SOLE   2,799 0 0
I SHS RUSSELL2000 Equities 464287655   6,896,648 31,960 SH   SOLE   31,960 0 0
ILLINOIS TOOL WORKS Equities 452308109   360,738 1,459 SH   SOLE   1,459 0 0
INTERCONTINENTAL EXC Equities 45866F104   675,903 3,684 SH   SOLE   3,684 0 0
INTL BUSINESS MACHS Equities 459200101   578,358 1,962 SH   SOLE   1,962 0 0
INTUIT INC Equities 461202103   8,226,008 10,444 SH   SOLE   10,444 0 0
INTUITIVE SURGICAL Equities 46120E602   9,119,507 16,782 SH   SOLE   16,782 0 0
ISHARES EMERGING MKT Equities 464287234   2,983,451 61,846 SH   SOLE   61,166 680 0
ISHARES EMRG MKT Equities 464288281   2,429,886 26,235 SH   SOLE   26,235 0 0
ISHARES RUSSELL MID Equities 464287499   713,043 7,753 SH   SOLE   7,753 0 0
ISHARES S&P SMALLCAP Equities 464287804   912,899 8,353 SH   DFND   8,353 0 0
ISHARES S&P SMALLCAP Equities 464287804   1,623,503 14,855 SH   SOLE   14,855 0 0
ISHARES SMALL CAP Equities 464287887   316,901 2,382 SH   SOLE   2,382 0 0
ISHARES TR MBS ETF Equities 464288588   419,219 4,465 SH   SOLE   4,465 0 0
ISHARES TR S&P MIDCP Equities 464287507   671,925 10,834 SH   DFND   10,834 0 0
ISHARES TR S&P MIDCP Equities 464287507   3,380,834 54,512 SH   SOLE   54,512 0 0
ISHRS CMBS Equities 46429B366   8,901,436 182,706 SH   SOLE   182,706 0 0
ISHS 500 INDEX FD US Equities 464287200   3,330,508 5,364 SH   SOLE   5,364 0 0
ISHS BCLYS SH TR BD Equities 464288679   2,190,954 19,842 SH   SOLE   19,842 0 0
ISHS CORE MSCI EAFE Equities 46432F842   277,488 3,324 SH   SOLE   3,324 0 0
ISHS CORE US AGGR BD Equities 464287226   12,164,995 122,631 SH   SOLE   122,631 0 0
ISHS GOLD TR NPV NEW Equities 464285204   115,647 1,855 SH   DFND   1,855 0 0
ISHS GOLD TR NPV NEW Equities 464285204   657,119 10,538 SH   SOLE   10,538 0 0
ISHS HIGH YIELD ETF Equities 464288513   5,133,131 63,647 SH   SOLE   63,647 0 0
J P MORGAN CHASE Equities 46625H100   289,910 1,000 SH   DFND   1,000 0 0
J P MORGAN CHASE Equities 46625H100   4,568,692 15,759 SH   SOLE   15,759 0 0
JOHNSON & JOHNSON Equities 478160104   289,461 1,895 SH   DFND   1,895 0 0
JOHNSON & JOHNSON Equities 478160104   582,283 3,812 SH   SOLE   3,812 0 0
KIMBERLY-CLARK CORP Equities 494368103   24,237 188 SH   DFND   188 0 0
KIMBERLY-CLARK CORP Equities 494368103   1,940,375 15,051 SH   SOLE   15,051 0 0
KINDER MORGAN INC DE Equities 49456B101   1,566,138 53,270 SH   SOLE   53,270 0 0
KLA-TENCOR Equities 482480100   85,991 96 SH   DFND   96 0 0
KLA-TENCOR Equities 482480100   2,392,522 2,671 SH   SOLE   2,671 0 0
KY T/F INCOME SERIES Mutual Funds 266155100   7,544,401 1,080,856 SH   SOLE   1,080,856 0 0
LAM RESEARCH CORP Equities 512807306   7,797,518 80,106 SH   SOLE   80,106 0 0
LOCKHEED MARTIN CORP Equities 539830109   1,456,112 3,144 SH   SOLE   3,144 0 0
LOWES COMPANIES INC Equities 548661107   628,114 2,831 SH   SOLE   2,831 0 0
LYONDELLBASELL Equities N53745100   520,798 9,001 SH   SOLE   9,001 0 0
MARATHON PETE CORP Equities 56585A102   407,800 2,455 SH   SOLE   2,455 0 0
MARTIN MARIETTA MATL Equities 573284106   216,839 395 SH   DFND   395 0 0
MASCO CORPORATION Equities 574599106   552,338 8,582 SH   SOLE   8,582 0 0
MASTERCARD INC Equities 57636Q104   7,868,846 14,003 SH   SOLE   14,003 0 0
MCDONALDS CORP Equities 580135101   2,319,538 7,939 SH   SOLE   7,939 0 0
MCKESSON HBOC INC Equities 58155Q103   1,453,103 1,983 SH   SOLE   1,983 0 0
MERCK & CO INC NEW Equities 58933Y105   11,874 150 SH   DFND   150 0 0
MERCK & CO INC NEW Equities 58933Y105   3,691,943 46,639 SH   SOLE   46,639 0 0
META PLATFORMS INC Equities 30303M102   14,976,584 20,291 SH   SOLE   20,291 0 0
MFS ARKANSAS MUNI Mutual Funds 55273N251   484,878 55,797 SH   SOLE   55,797 0 0
MICROSOFT CORP Equities 594918104   1,156,976 2,326 SH   DFND   2,326 0 0
MICROSOFT CORP Equities 594918104   17,101,951 34,382 SH   SOLE   34,382 0 0
MOODYS CORP Equities 615369105   5,543,071 11,051 SH   SOLE   11,051 0 0
MORGAN STANLEY Equities 617446448   240,730 1,709 SH   SOLE   1,709 0 0
NETAPP INC Equities 64110D104   2,815,051 26,420 SH   SOLE   26,420 0 0
NETFLIX COM Equities 64110L106   4,313,338 3,221 SH   SOLE   3,221 0 0
NEXTERA ENERGY INC Equities 65339F101   389,793 5,615 SH   SOLE   5,615 0 0
NORTHROP GRUMMAN Equities 666807102   299,988 600 SH   DFND   600 0 0
NORTHROP GRUMMAN Equities 666807102   1,145,954 2,292 SH   SOLE   2,292 0 0
NOVO NORDISK A S Equities 670100205   1,156,637 16,758 SH   SOLE   16,758 0 0
NUCOR CORP Equities 670346105   3,878,687 29,942 SH   SOLE   29,942 0 0
NVIDIA CORPORATION Equities 67066G104   30,650 194 SH   DFND   194 0 0
NVIDIA CORPORATION Equities 67066G104   67,571,375 427,694 SH   SOLE   427,694 0 0
NXP SEMICONDUCTORS Equities N6596X109   2,419,340 11,073 SH   SOLE   11,073 0 0
OLD DOMINI COM Equities 679580100   2,222,861 13,696 SH   SOLE   13,696 0 0
ORACLE CORPORATION Equities 68389X105   47,661 218 SH   DFND   218 0 0
ORACLE CORPORATION Equities 68389X105   2,596,669 11,877 SH   SOLE   11,877 0 0
PALO ALTO NETWORKS Equities 697435105   28,445 139 SH   DFND   139 0 0
PALO ALTO NETWORKS Equities 697435105   1,313,380 6,418 SH   SOLE   6,418 0 0
PARKER HANNIFIN CORP Equities 701094104   1,602,290 2,294 SH   SOLE   2,294 0 0
PEPSICO INC Equities 713448108   28,521 216 SH   DFND   216 0 0
PEPSICO INC Equities 713448108   456,330 3,456 SH   SOLE   3,456 0 0
PFIZER INC Equities 717081103   131,308 5,417 SH   DFND   5,417 0 0
PFIZER INC Equities 717081103   312,284 12,883 SH   SOLE   12,883 0 0
PHILIP MORRIS INTL Equities 718172109   72,852 400 SH   DFND   400 0 0
PHILIP MORRIS INTL Equities 718172109   286,673 1,574 SH   SOLE   1,574 0 0
PHILLIPS 66 Equities 718546104   237,407 1,990 SH   SOLE   1,990 0 0
PNC FINANCIAL SERV Equities 693475105   242,346 1,300 SH   DFND   1,300 0 0
PNC FINANCIAL SERV Equities 693475105   75,500 405 SH   SOLE   405 0 0
PPG INDS INC Equities 693506107   680,111 5,979 SH   SOLE   5,979 0 0
PROCTER & GAMBLE CO Equities 742718109   127,456 800 SH   DFND   800 0 0
PROCTER & GAMBLE CO Equities 742718109   1,992,297 12,505 SH   SOLE   12,505 0 0
PROG CORP OHIO Equities 743315103   6,148,721 23,041 SH   SOLE   23,041 0 0
QUALCOMM INC Equities 747525103   4,809,174 30,197 SH   SOLE   30,197 0 0
QUANTA SERVICES INC Equities 74762E102   2,158,459 5,709 SH   SOLE   5,709 0 0
RAYMOND JAMES INC Equities 754730109   259,195 1,690 SH   SOLE   1,690 0 0
REGENERON PHARMA Equities 75886F107   1,085,700 2,068 SH   SOLE   2,068 0 0
ROYAL CARIBBEAN CRUS Equities V7780T103   1,407,877 4,496 SH   SOLE   4,496 0 0
S&P GLOBAL INC Equities 78409V104   8,779,379 16,650 SH   SOLE   16,650 0 0
SALESFORCE INC Equities 79466L302   1,763,214 6,466 SH   SOLE   6,466 0 0
SCHLUMBERGER LTD Equities 806857108   251,945 7,454 SH   SOLE   7,454 0 0
SECTOR SPDR CONS STA Equities 81369Y308   212,222 2,621 SH   SOLE   2,621 0 0
SECTOR SPDR ENERGY Equities 81369Y506   388,684 4,583 SH   SOLE   4,583 0 0
SECTOR SPDR TR FUND Equities 81369Y209   1,966,182 14,587 SH   SOLE   14,587 0 0
SECTOR SPDR UTILITIE Equities 81369Y886   1,579,059 19,337 SH   SOLE   19,337 0 0
SELECT SECTOR FINANC Equities 81369Y605   689,556 13,167 SH   SOLE   13,167 0 0
SERVICENOW INC Equities 81762P102   2,457,111 2,390 SH   SOLE   2,390 0 0
SHERWIN WILLIAMS Equities 824348106   3,613,521 10,524 SH   SOLE   10,524 0 0
SPDR GOLD TR Equities 78463V107   396,279 1,300 SH   SOLE   1,300 0 0
SPDR S&P 500 Equities 78462F103   19,495,021 31,553 SH   SOLE   31,393 160 0
SPDR S&P MIDCAP 400 Equities 78467Y107   8,076,872 14,258 SH   SOLE   14,223 35 0
STARBUCKS CORP Equities 855244109   819,081 8,939 SH   SOLE   8,939 0 0
STRYKER CORP Equities 863667101   4,612,255 11,658 SH   SOLE   11,658 0 0
T MOBILE US INC Equities 872590104   248,743 1,044 SH   SOLE   1,044 0 0
TARGET CORP Equities 87612E106   1,467,517 14,876 SH   SOLE   14,876 0 0
TEXAS INSTRUMENTS Equities 882508104   300,219 1,446 SH   SOLE   1,446 0 0
THERMO FISHER Equities 883556102   788,620 1,945 SH   SOLE   1,945 0 0
TJX COS INC NEW Equities 872540109   2,295,679 18,590 SH   SOLE   18,590 0 0
TRACTOR SUPPLY CO Equities 892356106   3,893,423 73,781 SH   SOLE   73,781 0 0
UBER TECHNOLOGIES Equities 90353T100   619,979 6,645 SH   SOLE   6,645 0 0
ULTA BEAUTY INC Equities 90384S303   799,972 1,710 SH   SOLE   1,710 0 0
UNION PACIFIC CORP Equities 907818108   1,783,350 7,751 SH   SOLE   7,751 0 0
UNITED PARCEL SERVIC Equities 911312106   463,516 4,592 SH   SOLE   4,592 0 0
UNITED RENTALS INC Equities 911363109   8,388,356 11,134 SH   SOLE   11,134 0 0
UNITEDHEALTH GROUP INC COM Equities 91324P102   4,086,495 13,099 SH   SOLE   13,099 0 0
US BANCORP DEL COM Equities 902973304   310,008 6,851 SH   SOLE   6,851 0 0
VALERO ENERGY CORP Equities 91913Y100   4,632,920 34,466 SH   SOLE   34,466 0 0
VAN TOTAL STOCK MKT Mutual Funds 922908728   334,936 2,263 SH   SOLE   2,263 0 0
VANGD INDEX REIT 986 Equities 922908553   660,558 7,417 SH   SOLE   7,417 0 0
VANGUARD EMG MKT ETF Equities 921946885   3,423,621 52,389 SH   SOLE   52,389 0 0
VANGUARD FTSE DEV MK Equities 921943858   1,542,063 27,049 SH   DFND   27,049 0 0
VANGUARD FTSE DEV MK Equities 921943858   11,685,055 204,965 SH   SOLE   204,965 0 0
VANGUARD FTSE EMG MK Equities 922042858   785,870 15,889 SH   DFND   15,889 0 0
VANGUARD FTSE EMG MK Equities 922042858   7,887,732 159,477 SH   SOLE   159,477 0 0
VANGUARD INTER-TERM Mutual Funds 922907878   1,736,519 129,301 SH   SOLE   129,301 0 0
VANGUARD RUSSELL Equities 92206C664   225,900 2,590 SH   SOLE   2,590 0 0
VANGUARD S&P 500 ETF Equities 922908363   712,311 1,254 SH   SOLE   1,254 0 0
VISA INC CLASS A Equities 92826C839   13,268,574 37,371 SH   SOLE   37,371 0 0
WAL MART STORES INC Equities 931142103   3,038,709 31,077 SH   SOLE   31,077 0 0
WILLIAMS COS INC Equities 969457100   5,504,229 87,633 SH   SOLE   87,633 0 0
XCEL ENERGY INC Equities 98389B100   1,556,153 22,851 SH   SOLE   22,851 0 0
ZOETIS INC Equities 98978V103   1,102,722 7,071 SH   SOLE   7,071 0 0