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 LABORATORIES Common Stock 002824100 14 100 SH   SOLE   100 0 0
ABBOTT LABORATORIES Common Stock 002824100 394 2,800 SH   OTR   2,800 0 0
ABBVIE INC COMMON Common Stock 00287Y109 379 2,800 SH   SOLE   2,800 0 0
ABBVIE INC COMMON Common Stock 00287Y109 352 2,600 SH   OTR   2,600 0 0
ACCENTURE PLC Int'l Common Stock G1151C101 528 1,273 SH   SOLE   1,273 0 0
ADOBE SYSTEMS INC Common Stock 00724F101 979 1,727 SH   SOLE   1,727 0 0
ADOBE SYSTEMS INC Common Stock 00724F101 49 87 SH   OTR   87 0 0
ALPHABET INC CAP STOCK CL C Common Stock 02079K107 2,813 972 SH   SOLE   972 0 0
AMAZON COM INC Common Stock 023135106 2,451 735 SH   SOLE   735 0 0
AMAZON COM INC Common Stock 023135106 17 5 SH   OTR   5 0 0
AMERICAN EXPRESS CO Common Stock 025816109 774 4,730 SH   SOLE   4,730 0 0
AMPHENOL CORP Common Stock 032095101 444 5,075 SH   SOLE   5,075 0 0
ANTHEM INC COM Common Stock 036752103 510 1,100 SH   SOLE   1,100 0 0
AON PLC COM USD0.01 CL A Int'l Common Stock G0403H108 353 1,175 SH   SOLE   1,175 0 0
APPLE INC Common Stock 037833100 5,430 30,582 SH   SOLE   30,582 0 0
APPLE INC Common Stock 037833100 432 2,434 SH   OTR   2,434 0 0
APPLIED MATERIALS INC Common Stock 038222105 250 1,586 SH   SOLE   1,586 0 0
BANK OF AMERICA CORP Common Stock 060505104 858 19,281 SH   SOLE   19,281 0 0
BANK OF AMERICA CORP Common Stock 060505104 36 805 SH   OTR   805 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW Common Stock 084670702 1,027 3,434 SH   SOLE   3,434 0 0
BLACKROCK INC COM Common Stock 09247X101 574 627 SH   SOLE   627 0 0
BROADCOM INC COM Common Stock 11135F101 669 1,005 SH   SOLE   1,005 0 0
CANADIAN IMPERIAL BANK OF COMMERCE Int'l Common Stock 136069101 202 1,735 SH   SOLE   1,735 0 0
CATERPILLAR INC Common Stock 149123101 454 2,194 SH   SOLE   2,194 0 0
CATERPILLAR INC Common Stock 149123101 56 271 SH   OTR   271 0 0
CBRE GROUP INC CL A Common Stock 12504L109 230 2,120 SH   SOLE   2,120 0 0
CHEVRON CORP NEW Common Stock 166764100 570 4,859 SH   SOLE   4,859 0 0
CHEVRON CORP NEW Common Stock 166764100 15 128 SH   OTR   128 0 0
CISCO SYSTEMS INC Common Stock 17275R102 476 7,515 SH   SOLE   7,515 0 0
COMCAST CORP NEW CL A Common Stock 20030N101 297 5,910 SH   SOLE   5,910 0 0
COMMERCE BANCSHARES INC Common Stock 200525103 235 3,418 SH   SOLE   3,418 0 0
COMMUNICATIONS SERVICES SELECT SECTOR SPDR FUND Exchange Traded Fund 81369Y852 510 6,570 SH   SOLE   6,570 0 0
CONOCOPHILLIPS Common Stock 20825C104 652 9,027 SH   SOLE   9,027 0 0
CONSUMER DISCRETIONARY SELECT SECT SPDR Exchange Traded Fund 81369Y407 1,541 7,540 SH   SOLE   7,540 0 0
CONSUMER DISCRETIONARY SELECT SECT SPDR Exchange Traded Fund 81369Y407 75 365 SH   OTR   365 0 0
CONSUMER STAPLES SELECT SECTOR SPDR Exchange Traded Fund 81369Y308 645 8,368 SH   SOLE   8,368 0 0
CONSUMER STAPLES SELECT SECTOR SPDR Exchange Traded Fund 81369Y308 105 1,360 SH   OTR   1,360 0 0
COSTCO WHOLESALE CORP Common Stock 22160K105 867 1,528 SH   SOLE   1,528 0 0
CVS HEALTH CORP Common Stock 126650100 641 6,213 SH   SOLE   6,213 0 0
DANAHER CORP Common Stock 235851102 1,058 3,216 SH   SOLE   3,216 0 0
DIAGEO PLC ADR NEW Int'l Common Stock 25243Q205 369 1,676 SH   SOLE   1,676 0 0
DIGITAL TURBINE INC Common Stock 25400W102 532 8,724 SH   SOLE   8,724 0 0
DISNEY WALT CO Common Stock 254687106 737 4,759 SH   SOLE   4,759 0 0
DISNEY WALT CO Common Stock 254687106 28 180 SH   OTR   180 0 0
DOLLAR GENERAL CORP Common Stock 256677105 399 1,692 SH   SOLE   1,692 0 0
DUPONT DE NEMOURS INC COM Common Stock 26614N102 414 5,123 SH   SOLE   5,123 0 0
EMCOR GROUP INC Common Stock 29084Q100 618 4,853 SH   SOLE   4,853 0 0
ENERGY SELECT SECTOR SPDR Exchange Traded Fund 81369Y506 317 5,719 SH   SOLE   5,719 0 0
ENERGY SELECT SECTOR SPDR Exchange Traded Fund 81369Y506 38 680 SH   OTR   680 0 0
EPAM SYS INC COM Common Stock 29414B104 1,061 1,587 SH   SOLE   1,587 0 0
EXXON MOBIL CORP Common Stock 30231G102 236 3,857 SH   SOLE   3,857 0 0
EXXON MOBIL CORP Common Stock 30231G102 110 1,800 SH   OTR   600 1,200 0
FINANCIAL SELECT SECTOR SPDR Exchange Traded Fund 81369Y605 1,058 27,100 SH   SOLE   27,100 0 0
FINANCIAL SELECT SECTOR SPDR Exchange Traded Fund 81369Y605 86 2,195 SH   OTR   2,195 0 0
FORTINET INC COM Common Stock 34959E109 252 700 SH   SOLE   700 0 0
GENTHERM INC Common Stock 37253A103 325 3,745 SH   SOLE   3,745 0 0
HEALTH CARE SELECT SECTOR SPDR Exchange Traded Fund 81369Y209 1,643 11,660 SH   SOLE   11,660 0 0
HEALTH CARE SELECT SECTOR SPDR Exchange Traded Fund 81369Y209 156 1,105 SH   OTR   1,105 0 0
HOME DEPOT INC Common Stock 437076102 788 1,898 SH   SOLE   1,898 0 0
ICON PLC SHS Int'l Common Stock G4705A100 273 881 SH   SOLE   881 0 0
IDEXX LABS INC COM Common Stock 45168D104 738 1,121 SH   SOLE   1,121 0 0
INDUSTRIAL SELECT SECTOR SPDR Exchange Traded Fund 81369Y704 653 6,170 SH   SOLE   6,170 0 0
INDUSTRIAL SELECT SECTOR SPDR Exchange Traded Fund 81369Y704 129 1,215 SH   OTR   1,215 0 0
INTERCONTINENTAL EXCHANGE INC COM Common Stock 45866F104 326 2,385 SH   SOLE   2,385 0 0
INTUITIVE SURGICAL INC Common Stock 46120E602 386 1,073 SH   SOLE   1,073 0 0
INTUITIVE SURGICAL INC Common Stock 46120E602 65 180 SH   OTR   180 0 0
INVESCO QQQ TR UNIT SER 1 Exchange Traded Fund 46090E103 995 2,500 SH   SOLE   2,500 0 0
ISHARES 0-5 YEAR TIPS BOND ETF Fixed Income ETF 46429B747 2,918 27,561 SH   SOLE   27,561 0 0
ISHARES CORE S&P 500 ETF Exchange Traded Fund 464287200 41,010 85,976 SH   SOLE   85,651 325 0
ISHARES CORE S&P 500 ETF Exchange Traded Fund 464287200 5,740 12,034 SH   OTR   10,344 1,690 0
ISHARES CORE S&P MID-CAP ETF Exchange Traded Fund 464287507 13,965 49,333 SH   SOLE   49,012 321 0
ISHARES CORE S&P MID-CAP ETF Exchange Traded Fund 464287507 1,601 5,655 SH   OTR   5,013 642 0
ISHARES CORE S&P SMALL-CAP ETF Exchange Traded Fund 464287804 18,130 158,328 SH   SOLE   157,159 1,169 0
ISHARES CORE S&P SMALL-CAP ETF Exchange Traded Fund 464287804 1,913 16,705 SH   OTR   15,091 1,614 0
ISHARES CORE S&P US GROWTH ETF Exchange Traded Fund 464287671 1,192 10,312 SH   SOLE   10,312 0 0
iSHARES CORE S&P US VALUE ETF Exchange Traded Fund 464287663 979 12,825 SH   SOLE   12,825 0 0
ISHARES DOW JONES INTERNATIONAL SELECT Exchange Traded Fund 464288448 4,730 151,709 SH   SOLE   151,709 0 0
ISHARES DOW JONES INTERNATIONAL SELECT Exchange Traded Fund 464288448 916 29,362 SH   OTR   29,362 0 0
ISHARES INVEST GRADE CORP BOND Fixed Income ETF 464287242 553 4,171 SH   SOLE   4,171 0 0
ISHARES INVEST GRADE CORP BOND Fixed Income ETF 464287242 601 4,538 SH   OTR   3,470 1,068 0
iSHARES MSCI ACWI EX US ETF Exchange Traded Fund 464288240 392 7,052 SH   SOLE   7,052 0 0
ISHARES MSCI EAFE INDEX ETF Exchange Traded Fund 464287465 300 3,810 SH   SOLE   3,810 0 0
ISHARES MSCI EAFE INDEX ETF Exchange Traded Fund 464287465 41 519 SH   OTR   269 250 0
ISHARES MSCI EMERGING MARKETS MIN VOL FACTOR ETF Exchange Traded Fund 464286533 1,402 22,324 SH   SOLE   22,324 0 0
ISHARES MSCI EMERGING MARKETS MIN VOL FACTOR ETF Exchange Traded Fund 464286533 257 4,090 SH   OTR   4,090 0 0
ISHARES RUSSELL 1000 GROWTH INDEX FUND Exchange Traded Fund 464287614 367 1,201 SH   SOLE   1,201 0 0
ISHARES TR S&P MC 400GR ETF Exchange Traded Fund 464287606 243 2,852 SH   SOLE   2,852 0 0
JOHNSON & JOHNSON Common Stock 478160104 449 2,626 SH   SOLE   2,626 0 0
JOHNSON & JOHNSON Common Stock 478160104 170 993 SH   OTR   509 484 0
JPMORGAN CHASE & CO Common Stock 46625H100 1,057 6,678 SH   SOLE   6,678 0 0
KBR INC Common Stock 48242W106 665 13,958 SH   SOLE   13,958 0 0
KEYSIGHT TECHNOLOGIES INC Common Stock 49338L103 431 2,085 SH   SOLE   2,085 0 0
KROGER (THE) CO Common Stock 501044101 1,900 41,990 SH   SOLE   41,990 0 0
LAM RESEARCH CORP Common Stock 512807108 442 615 SH   SOLE   615 0 0
LILLY (ELI) & CO Common Stock 532457108 351 1,270 SH   SOLE   1,270 0 0
LINDE PLC COM Int'l Common Stock G5494J103 234 676 SH   SOLE   676 0 0
MARTIN MARIETTA MATERIALS INC Common Stock 573284106 374 850 SH   SOLE   850 0 0
MATERIALS SELECT SECTOR SPDR Exchange Traded Fund 81369Y100 229 2,522 SH   SOLE   2,522 0 0
MATERIALS SELECT SECTOR SPDR Exchange Traded Fund 81369Y100 30 330 SH   OTR   330 0 0
MCDONALDS CORP Common Stock 580135101 205 763 SH   SOLE   763 0 0
MCDONALDS CORP Common Stock 580135101 15 56 SH   OTR   56 0 0
META PLATFORMS INC Common Stock 30303M102 1,268 3,771 SH   SOLE   3,771 0 0
METTLER TOLEDO INTERNATIONAL INC Common Stock 592688105 842 496 SH   SOLE   496 0 0
MICROSOFT CORP Common Stock 594918104 4,405 13,097 SH   SOLE   13,097 0 0
MICROSOFT CORP Common Stock 594918104 190 566 SH   OTR   566 0 0
MKS INSTRUMENT INC COM Common Stock 55306N104 349 2,002 SH   SOLE   2,002 0 0
MORGAN STANLEY Common Stock 617446448 695 7,077 SH   SOLE   7,077 0 0
MYR GROUP INC Common Stock 55405W104 426 3,855 SH   SOLE   3,855 0 0
NETFLIX INC Common Stock 64110L106 493 818 SH   SOLE   818 0 0
NETFLIX INC Common Stock 64110L106 12 20 SH   OTR   20 0 0
NEXTERA ENERGY INC Common Stock 65339F101 501 5,364 SH   SOLE   5,364 0 0
NICE SYSTEMS LTD Int'l Common Stock 653656108 376 1,237 SH   SOLE   1,237 0 0
NIKE INC CL B Common Stock 654106103 791 4,748 SH   SOLE   4,748 0 0
NOVO-NORDISK SPONS ADR Int'l Common Stock 670100205 309 2,758 SH   SOLE   2,758 0 0
NV5 GLOBAL INC COM Common Stock 62945V109 795 5,753 SH   SOLE   5,753 0 0
NVIDIA CORP Common Stock 67066G104 1,294 4,400 SH   SOLE   4,400 0 0
OCCIDENTAL PETROLEUM CORP Common Stock 674599105 430 14,842 SH   SOLE   14,842 0 0
PAYPAL HOLDINGS INC Common Stock 70450Y103 332 1,761 SH   SOLE   1,761 0 0
PEPSICO INC Common Stock 713448108 572 3,295 SH   SOLE   3,295 0 0
PEPSICO INC Common Stock 713448108 85 488 SH   OTR   488 0 0
PROCTER & GAMBLE CO Common Stock 742718109 228 1,394 SH   SOLE   1,394 0 0
PROCTER & GAMBLE CO Common Stock 742718109 205 1,254 SH   OTR   1,254 0 0
QUALCOMM INC Common Stock 747525103 702 3,840 SH   SOLE   3,840 0 0
REGAL REXNORD CORPORATION Common Stock 758750103 249 1,466 SH   SOLE   1,466 0 0
ROYAL CARIBBEAN CRUISES LTD Int'l Common Stock V7780T103 399 5,185 SH   SOLE   5,185 0 0
S&P GLOBAL INC COM Common Stock 78409V104 507 1,075 SH   SOLE   1,075 0 0
SPDR SERIES TRUST PORTFOLIO SH Fixed Income ETF 78468R101 145 4,766 SH   SOLE   4,766 0 0
SPDR SERIES TRUST PORTFOLIO SH Fixed Income ETF 78468R101 217 7,140 SH   OTR   7,140 0 0
SYSCO CORP Common Stock 871829107 432 5,505 SH   SOLE   5,505 0 0
TAIWAN SEMICONDUCTOR MANUFACTURING CO Int'l Common Stock 874039100 317 2,635 SH   SOLE   2,635 0 0
TARGET CORP Common Stock 87612E106 793 3,427 SH   SOLE   3,427 0 0
TECHNOLOGY SELECT SECTOR SPDR Exchange Traded Fund 81369Y803 3,708 21,326 SH   SOLE   21,326 0 0
TECHNOLOGY SELECT SECTOR SPDR Exchange Traded Fund 81369Y803 449 2,580 SH   OTR   2,580 0 0
TESLA INC Common Stock 88160R101 656 621 SH   SOLE   621 0 0
THERMO FISHER SCIENTIFIC INC Common Stock 883556102 1,411 2,115 SH   SOLE   2,115 0 0
UBER TECHNOLOGIES INC Common Stock 90353T100 291 6,951 SH   SOLE   6,951 0 0
ULTA BEAUTY INC Common Stock 90384S303 434 1,053 SH   SOLE   1,053 0 0
UNION PACIFIC CORP Common Stock 907818108 656 2,604 SH   SOLE   2,604 0 0
UNITEDHEALTH GROUP INC Common Stock 91324P102 469 934 SH   SOLE   934 0 0
UNITEDHEALTH GROUP INC Common Stock 91324P102 22 43 SH   OTR   43 0 0
UTILITIES SELECT SECTOR SPDR Exchange Traded Fund 81369Y886 203 2,839 SH   SOLE   2,839 0 0
UTILITIES SELECT SECTOR SPDR Exchange Traded Fund 81369Y886 102 1,420 SH   OTR   250 1,170 0
VANGUARD REAL ESTATE ETF Exchange Traded Fund 922908553 794 6,840 SH   SOLE   6,840 0 0
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC Fixed Income ETF 92206C771 195 3,692 SH   SOLE   3,692 0 0
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC Fixed Income ETF 92206C771 209 3,959 SH   OTR   3,959 0 0
VISA INC CL A Common Stock 92826C839 921 4,250 SH   SOLE   4,250 0 0
VISA INC CL A Common Stock 92826C839 12 56 SH   OTR   56 0 0
WALMART INC Common Stock 931142103 1,317 9,105 SH   SOLE   7,405 1,700 0
WALMART INC Common Stock 931142103 29 200 SH   OTR   200 0 0
WASTE MANAGEMENT INC DEL Common Stock 94106L109 524 3,140 SH   SOLE   3,140 0 0
WELLS FARGO & CO NEW Common Stock 949746101 272 5,668 SH   OTR   5,668 0 0