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 304 2,800 SH   OTR   2,800 0 0
ABBOTT LABORATORIES Common Stock 002824100 413 3,800 SH   SOLE   3,800 0 0
ABBVIE INC COMMON Common Stock 00287Y109 429 2,800 SH   SOLE   2,800 0 0
ABBVIE INC COMMON Common Stock 00287Y109 398 2,600 SH   OTR   2,600 0 0
ACCENTURE PLC Int'l Common Stock G1151C101 298 1,072 SH   SOLE   1,072 0 0
ALPHABET INC CAP STOCK CL C Common Stock 02079K107 2,487 1,137 SH   SOLE   1,137 0 0
AMAZON COM INC Common Stock 023135106 11 100 SH   OTR   100 0 0
AMAZON COM INC Common Stock 023135106 1,867 17,576 SH   SOLE   17,576 0 0
AMERICAN EXPRESS CO Common Stock 025816109 485 3,501 SH   SOLE   3,501 0 0
AMPHENOL CORP Common Stock 032095101 336 5,215 SH   SOLE   5,215 0 0
AON PLC COM USD0.01 CL A Int'l Common Stock G0403H108 320 1,186 SH   SOLE   1,186 0 0
APPLE INC Common Stock 037833100 333 2,434 SH   OTR   2,434 0 0
APPLE INC Common Stock 037833100 4,396 32,155 SH   SOLE   32,155 0 0
BANK OF AMERICA CORP Common Stock 060505104 25 805 SH   OTR   805 0 0
BANK OF AMERICA CORP Common Stock 060505104 508 16,328 SH   SOLE   16,328 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW Common Stock 084670702 1,120 4,102 SH   SOLE   4,102 0 0
BHP GROUP LTD SPONSORED ADS Int'l Common Stock 088606108 216 3,851 SH   SOLE   3,851 0 0
BLACKROCK INC COM Common Stock 09247X101 388 637 SH   SOLE   637 0 0
BP PLC ADR Int'l Common Stock 055622104 23 800 SH   OTR   800 0 0
BP PLC ADR Int'l Common Stock 055622104 217 7,648 SH   SOLE   7,648 0 0
BROADCOM INC COM Common Stock 11135F101 488 1,005 SH   SOLE   1,005 0 0
CATERPILLAR INC Common Stock 149123101 48 271 SH   OTR   271 0 0
CATERPILLAR INC Common Stock 149123101 399 2,231 SH   SOLE   2,231 0 0
CHARLES SCHWAB CORP Common Stock 808513105 473 7,486 SH   SOLE   7,486 0 0
CHEVRON CORP NEW Common Stock 166764100 19 128 SH   OTR   128 0 0
CHEVRON CORP NEW Common Stock 166764100 712 4,920 SH   SOLE   4,920 0 0
CISCO SYSTEMS INC Common Stock 17275R102 520 12,202 SH   SOLE   12,202 0 0
COMCAST CORP NEW CL A Common Stock 20030N101 259 6,606 SH   SOLE   6,606 0 0
COMMERCE BANCSHARES INC Common Stock 200525103 224 3,418 SH   SOLE   3,418 0 0
COMMUNICATIONS SERVICES SELECT SECTOR SPDR FUND Exchange Traded Fund 81369Y852 433 7,980 SH   SOLE   7,980 0 0
CONOCOPHILLIPS Common Stock 20825C104 541 6,025 SH   SOLE   6,025 0 0
CONSUMER DISCRETIONARY SELECT SECT SPDR Exchange Traded Fund 81369Y407 50 365 SH   OTR   365 0 0
CONSUMER DISCRETIONARY SELECT SECT SPDR Exchange Traded Fund 81369Y407 1,900 13,823 SH   SOLE   13,823 0 0
CONSUMER STAPLES SELECT SECTOR SPDR Exchange Traded Fund 81369Y308 98 1,360 SH   OTR   1,360 0 0
CONSUMER STAPLES SELECT SECTOR SPDR Exchange Traded Fund 81369Y308 1,303 18,059 SH   SOLE   18,059 0 0
COPART INC Common Stock 217204106 267 2,453 SH   SOLE   2,453 0 0
COSTCO WHOLESALE CORP Common Stock 22160K105 492 1,027 SH   SOLE   1,027 0 0
CVS HEALTH CORP Common Stock 126650100 576 6,211 SH   SOLE   6,211 0 0
DANAHER CORP Common Stock 235851102 563 2,221 SH   SOLE   2,221 0 0
DIAGEO PLC ADR NEW Int'l Common Stock 25243Q205 295 1,694 SH   SOLE   1,694 0 0
DIAMONDBACK ENERGY INC Common Stock 25278X109 213 1,760 SH   SOLE   1,760 0 0
DISNEY WALT CO Common Stock 254687106 10 107 SH   OTR   107 0 0
DISNEY WALT CO Common Stock 254687106 513 5,434 SH   SOLE   5,434 0 0
ELEVANCE HEALTH INC Common Stock 036752103 767 1,589 SH   SOLE   1,589 0 0
EMCOR GROUP INC Common Stock 29084Q100 243 2,360 SH   SOLE   2,360 0 0
ENERGY SELECT SECTOR SPDR Exchange Traded Fund 81369Y506 49 680 SH   OTR   680 0 0
ENERGY SELECT SECTOR SPDR Exchange Traded Fund 81369Y506 434 6,074 SH   SOLE   6,074 0 0
EXELON CORP Common Stock 30161N101 330 7,275 SH   SOLE   7,275 0 0
EXXON MOBIL CORP Common Stock 30231G102 154 1,800 SH   OTR   600 1,200 0
EXXON MOBIL CORP Common Stock 30231G102 162 1,887 SH   SOLE   1,887 0 0
FINANCIAL SELECT SECTOR SPDR Exchange Traded Fund 81369Y605 69 2,195 SH   OTR   2,195 0 0
FINANCIAL SELECT SECTOR SPDR Exchange Traded Fund 81369Y605 2,159 68,639 SH   SOLE   68,639 0 0
HEALTH CARE SELECT SECTOR SPDR Exchange Traded Fund 81369Y209 142 1,105 SH   OTR   1,105 0 0
HEALTH CARE SELECT SECTOR SPDR Exchange Traded Fund 81369Y209 2,721 21,215 SH   SOLE   21,215 0 0
HOME DEPOT INC Common Stock 437076102 356 1,297 SH   SOLE   1,297 0 0
IDEXX LABS INC COM Common Stock 45168D104 278 793 SH   SOLE   793 0 0
INDUSTRIAL SELECT SECTOR SPDR Exchange Traded Fund 81369Y704 106 1,215 SH   OTR   1,215 0 0
INDUSTRIAL SELECT SECTOR SPDR Exchange Traded Fund 81369Y704 1,416 16,207 SH   SOLE   16,207 0 0
INTERCONTINENTAL EXCHANGE INC COM Common Stock 45866F104 224 2,386 SH   SOLE   2,386 0 0
INVESCO QQQ TR UNIT SER 1 Exchange Traded Fund 46090E103 701 2,500 SH   SOLE   2,500 0 0
ISHARES 0-5 YEAR TIPS BOND ETF Fixed Income ETF 46429B747 2,966 29,243 SH   SOLE   29,243 0 0
ISHARES CORE S&P 500 ETF Exchange Traded Fund 464287200 2,244 5,919 SH   OTR   4,386 1,533 0
ISHARES CORE S&P 500 ETF Exchange Traded Fund 464287200 30,540 80,548 SH   SOLE   80,093 455 0
ISHARES CORE S&P MID-CAP ETF Exchange Traded Fund 464287507 616 2,722 SH   OTR   2,089 633 0
ISHARES CORE S&P MID-CAP ETF Exchange Traded Fund 464287507 10,438 46,138 SH   SOLE   45,817 321 0
ISHARES CORE S&P SMALL-CAP ETF Exchange Traded Fund 464287804 789 8,535 SH   OTR   6,701 1,834 0
ISHARES CORE S&P SMALL-CAP ETF Exchange Traded Fund 464287804 11,823 127,938 SH   SOLE   126,694 1,244 0
ISHARES CORE S&P US GROWTH ETF Exchange Traded Fund 464287671 970 11,594 SH   SOLE   11,594 0 0
iSHARES CORE S&P US VALUE ETF Exchange Traded Fund 464287663 967 14,456 SH   SOLE   14,456 0 0
ISHARES DOW JONES INTERNATIONAL SELECT Exchange Traded Fund 464288448 292 10,742 SH   OTR   10,742 0 0
ISHARES DOW JONES INTERNATIONAL SELECT Exchange Traded Fund 464288448 2,565 94,442 SH   SOLE   94,442 0 0
iSHARES MSCI ACWI EX US ETF Exchange Traded Fund 464288240 355 7,884 SH   SOLE   7,884 0 0
ISHARES MSCI EMERGING MARKETS MIN VOL FACTOR ETF Exchange Traded Fund 464286533 17 299 SH   OTR   299 0 0
ISHARES MSCI EMERGING MARKETS MIN VOL FACTOR ETF Exchange Traded Fund 464286533 443 7,986 SH   SOLE   7,986 0 0
ISHARES RUSSELL 1000 GROWTH INDEX FUND Exchange Traded Fund 464287614 260 1,190 SH   SOLE   1,190 0 0
JOHNSON & JOHNSON Common Stock 478160104 176 993 SH   OTR   509 484 0
JOHNSON & JOHNSON Common Stock 478160104 1,013 5,708 SH   SOLE   5,708 0 0
JPMORGAN CHASE & CO Common Stock 46625H100 762 6,769 SH   SOLE   6,769 0 0
KBR INC Common Stock 48242W106 411 8,488 SH   SOLE   8,488 0 0
KEYSIGHT TECHNOLOGIES INC Common Stock 49338L103 292 2,116 SH   SOLE   2,116 0 0
KROGER (THE) CO Common Stock 501044101 1,637 34,590 SH   SOLE   34,590 0 0
LAM RESEARCH CORP Common Stock 512807108 267 627 SH   SOLE   627 0 0
LILLY (ELI) & CO Common Stock 532457108 392 1,210 SH   SOLE   1,210 0 0
MARTIN MARIETTA MATERIALS INC Common Stock 573284106 258 862 SH   SOLE   862 0 0
MASTERCARD INC Common Stock 57636Q104 478 1,514 SH   SOLE   1,514 0 0
MATERIALS SELECT SECTOR SPDR Exchange Traded Fund 81369Y100 24 330 SH   OTR   330 0 0
MATERIALS SELECT SECTOR SPDR Exchange Traded Fund 81369Y100 397 5,399 SH   SOLE   5,399 0 0
META PLATFORMS INC Common Stock 30303M102 889 5,511 SH   SOLE   5,511 0 0
METTLER TOLEDO INTERNATIONAL INC Common Stock 592688105 569 495 SH   SOLE   495 0 0
MICROSOFT CORP Common Stock 594918104 145 566 SH   OTR   566 0 0
MICROSOFT CORP Common Stock 594918104 3,484 13,567 SH   SOLE   13,567 0 0
MONSTER BEVERAGE CORP NEW Common Stock 61174X109 288 3,110 SH   SOLE   3,110 0 0
MYR GROUP INC Common Stock 55405W104 345 3,917 SH   SOLE   3,917 0 0
NEXTERA ENERGY INC Common Stock 65339F101 422 5,451 SH   SOLE   5,451 0 0
NICE SYSTEMS LTD Int'l Common Stock 653656108 240 1,248 SH   SOLE   1,248 0 0
NIKE INC CL B Common Stock 654106103 482 4,717 SH   SOLE   4,717 0 0
NOVO-NORDISK SPONS ADR Int'l Common Stock 670100205 311 2,788 SH   SOLE   2,788 0 0
NV5 GLOBAL INC COM Common Stock 62945V109 352 3,012 SH   SOLE   3,012 0 0
NVIDIA CORP Common Stock 67066G104 869 5,734 SH   SOLE   5,734 0 0
OCCIDENTAL PETROLEUM CORP Common Stock 674599105 489 8,308 SH   SOLE   8,308 0 0
O'REILLY AUTOMOTIVE INC Common Stock 67103H107 308 487 SH   SOLE   487 0 0
PEPSICO INC Common Stock 713448108 81 488 SH   OTR   488 0 0
PEPSICO INC Common Stock 713448108 690 4,139 SH   SOLE   4,139 0 0
PROCTER & GAMBLE CO Common Stock 742718109 180 1,254 SH   OTR   1,254 0 0
PROCTER & GAMBLE CO Common Stock 742718109 158 1,099 SH   SOLE   1,099 0 0
QUALCOMM INC Common Stock 747525103 495 3,878 SH   SOLE   3,878 0 0
REGAL REXNORD CORPORATION Common Stock 758750103 268 2,361 SH   SOLE   2,361 0 0
S&P GLOBAL INC COM Common Stock 78409V104 363 1,076 SH   SOLE   1,076 0 0
SELECT SECTOR SPDR TR RL EST SEL SEC Exchange Traded Fund 81369Y860 12 305 SH   OTR   305 0 0
SELECT SECTOR SPDR TR RL EST SEL SEC Exchange Traded Fund 81369Y860 345 8,442 SH   SOLE   8,442 0 0
SHELL PLC Int'l Common Stock 780259305 273 5,215 SH   SOLE   5,215 0 0
SYSCO CORP Common Stock 871829107 474 5,601 SH   SOLE   5,601 0 0
TAIWAN SEMICONDUCTOR MANUFACTURING CO Int'l Common Stock 874039100 211 2,583 SH   SOLE   2,583 0 0
TARGET CORP Common Stock 87612E106 485 3,436 SH   SOLE   3,436 0 0
TECHNOLOGY SELECT SECTOR SPDR Exchange Traded Fund 81369Y803 328 2,580 SH   OTR   2,580 0 0
TECHNOLOGY SELECT SECTOR SPDR Exchange Traded Fund 81369Y803 5,401 42,484 SH   SOLE   42,484 0 0
TESLA INC Common Stock 88160R101 807 1,199 SH   SOLE   1,199 0 0
THE HERSHEY COMPANY Common Stock 427866108 311 1,444 SH   SOLE   1,444 0 0
THERMO FISHER SCIENTIFIC INC Common Stock 883556102 1,148 2,113 SH   SOLE   2,113 0 0
UBS GROUP AG Int'l Common Stock H42097107 208 12,821 SH   SOLE   12,821 0 0
ULTA BEAUTY INC Common Stock 90384S303 407 1,055 SH   SOLE   1,055 0 0
UNION PACIFIC CORP Common Stock 907818108 564 2,643 SH   SOLE   2,643 0 0
UNITEDHEALTH GROUP INC Common Stock 91324P102 770 1,500 SH   SOLE   1,500 0 0
UNITEDHEALTH GROUP INC Common Stock 91324P102 22 43 SH   OTR   43 0 0
UTILITIES SELECT SECTOR SPDR Exchange Traded Fund 81369Y886 100 1,420 SH   OTR   250 1,170 0
UTILITIES SELECT SECTOR SPDR Exchange Traded Fund 81369Y886 487 6,950 SH   SOLE   6,950 0 0
VANGUARD REAL ESTATE ETF Exchange Traded Fund 922908553 623 6,840 SH   SOLE   6,840 0 0
VERTEX PHARMACEUTICALS INC Common Stock 92532F100 440 1,562 SH   SOLE   1,562 0 0
VISA INC CL A Common Stock 92826C839 11 56 SH   OTR   56 0 0
VISA INC CL A Common Stock 92826C839 870 4,421 SH   SOLE   4,421 0 0
VISTRA CORP Common Stock 92840M102 365 15,991 SH   SOLE   15,991 0 0
WALMART INC Common Stock 931142103 24 200 SH   OTR   200 0 0
WALMART INC Common Stock 931142103 959 7,889 SH   SOLE   6,189 1,700 0
WASTE MANAGEMENT INC DEL Common Stock 94106L109 488 3,190 SH   SOLE   3,190 0 0
WELLS FARGO & CO NEW Common Stock 949746101 222 5,668 SH   OTR   5,668 0 0