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 395 4,081 SH   SOLE   4,081 0 0
ABBOTT LABORATORIES Common Stock 002824100 271 2,800 SH   OTR   2,800 0 0
ABBVIE INC COMMON Common Stock 00287Y109 376 2,800 SH   SOLE   2,800 0 0
ABBVIE INC COMMON Common Stock 00287Y109 349 2,600 SH   OTR   2,600 0 0
ACCENTURE PLC Int'l Common Stock G1151C101 282 1,095 SH   SOLE   1,095 0 0
ALPHABET INC CAP STOCK CL C Common Stock 02079K107 2,148 22,337 SH   SOLE   22,337 0 0
AMAZON COM INC Common Stock 023135106 1,899 16,804 SH   SOLE   16,804 0 0
AMAZON COM INC Common Stock 023135106 11 100 SH   OTR   100 0 0
AMERICAN EXPRESS CO Common Stock 025816109 517 3,832 SH   SOLE   3,832 0 0
AMPHENOL CORP Common Stock 032095101 480 7,172 SH   SOLE   7,172 0 0
AON PLC COM USD0.01 CL A Int'l Common Stock G0403H108 325 1,212 SH   SOLE   1,212 0 0
APPLE INC Common Stock 037833100 4,363 31,570 SH   SOLE   31,570 0 0
APPLE INC Common Stock 037833100 24 176 SH   OTR   176 0 0
BANK OF AMERICA CORP Common Stock 060505104 539 17,846 SH   SOLE   17,846 0 0
BANK OF AMERICA CORP Common Stock 060505104 13 419 SH   OTR   419 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW Common Stock 084670702 1,168 4,374 SH   SOLE   4,374 0 0
BLACKROCK INC COM Common Stock 09247X101 380 690 SH   SOLE   690 0 0
BROADCOM INC COM Common Stock 11135F101 480 1,082 SH   SOLE   1,082 0 0
CATERPILLAR INC Common Stock 149123101 402 2,447 SH   SOLE   2,447 0 0
CATERPILLAR INC Common Stock 149123101 44 271 SH   OTR   271 0 0
CHARLES SCHWAB CORP Common Stock 808513105 504 7,010 SH   SOLE   7,010 0 0
CHEVRON CORP NEW Common Stock 166764100 765 5,323 SH   SOLE   5,323 0 0
CHEVRON CORP NEW Common Stock 166764100 18 128 SH   OTR   128 0 0
CHIPOTLE MEXICAN GRILL INC Common Stock 169656105 505 336 SH   SOLE   336 0 0
COMMERCE BANCSHARES INC Common Stock 200525103 226 3,418 SH   SOLE   3,418 0 0
COMMUNICATIONS SERVICES SELECT SECTOR SPDR FUND Exchange Traded Fund 81369Y852 382 7,980 SH   SOLE   7,980 0 0
CONOCOPHILLIPS Common Stock 20825C104 677 6,612 SH   SOLE   6,612 0 0
CONSUMER DISCRETIONARY SELECT SECT SPDR Exchange Traded Fund 81369Y407 1,954 13,718 SH   SOLE   13,718 0 0
CONSUMER DISCRETIONARY SELECT SECT SPDR Exchange Traded Fund 81369Y407 52 365 SH   OTR   365 0 0
CONSUMER STAPLES SELECT SECTOR SPDR Exchange Traded Fund 81369Y308 1,205 18,059 SH   SOLE   18,059 0 0
CONSUMER STAPLES SELECT SECTOR SPDR Exchange Traded Fund 81369Y308 91 1,360 SH   OTR   1,360 0 0
COPART INC Common Stock 217204106 279 2,625 SH   SOLE   2,625 0 0
COSTCO WHOLESALE CORP Common Stock 22160K105 520 1,102 SH   SOLE   1,102 0 0
CULLEN FROST BANKERS INC Common Stock 229899109 203 1,532 SH   SOLE   1,532 0 0
CVS HEALTH CORP Common Stock 126650100 651 6,823 SH   SOLE   6,823 0 0
DANAHER CORP Common Stock 235851102 627 2,427 SH   SOLE   2,427 0 0
DEVON ENERGY CORP Common Stock 25179M103 222 3,689 SH   SOLE   3,689 0 0
DEVON ENERGY CORP Common Stock 25179M103 4 68 SH   OTR   68 0 0
DIAGEO PLC ADR NEW Int'l Common Stock 25243Q205 294 1,729 SH   SOLE   1,729 0 0
DIAMONDBACK ENERGY INC Common Stock 25278X109 211 1,748 SH   SOLE   1,748 0 0
DISNEY WALT CO Common Stock 254687106 440 4,666 SH   SOLE   4,666 0 0
DISNEY WALT CO Common Stock 254687106 10 107 SH   OTR   107 0 0
ELEVANCE HEALTH INC Common Stock 036752103 785 1,729 SH   SOLE   1,729 0 0
EMCOR GROUP INC Common Stock 29084Q100 298 2,583 SH   SOLE   2,583 0 0
ENERGY SELECT SECTOR SPDR Exchange Traded Fund 81369Y506 437 6,074 SH   SOLE   6,074 0 0
ENERGY SELECT SECTOR SPDR Exchange Traded Fund 81369Y506 49 680 SH   OTR   680 0 0
EXXON MOBIL CORP Common Stock 30231G102 156 1,787 SH   SOLE   1,787 0 0
EXXON MOBIL CORP Common Stock 30231G102 157 1,800 SH   OTR   600 1,200 0
FINANCIAL SELECT SECTOR SPDR Exchange Traded Fund 81369Y605 2,084 68,639 SH   SOLE   68,639 0 0
FINANCIAL SELECT SECTOR SPDR Exchange Traded Fund 81369Y605 67 2,195 SH   OTR   2,195 0 0
HEALTH CARE SELECT SECTOR SPDR Exchange Traded Fund 81369Y209 2,569 21,215 SH   SOLE   21,215 0 0
HEALTH CARE SELECT SECTOR SPDR Exchange Traded Fund 81369Y209 134 1,105 SH   OTR   1,105 0 0
HOME DEPOT INC Common Stock 437076102 312 1,131 SH   SOLE   1,131 0 0
IDEXX LABS INC COM Common Stock 45168D104 277 849 SH   SOLE   849 0 0
INDUSTRIAL SELECT SECTOR SPDR Exchange Traded Fund 81369Y704 1,343 16,207 SH   SOLE   16,207 0 0
INDUSTRIAL SELECT SECTOR SPDR Exchange Traded Fund 81369Y704 101 1,215 SH   OTR   1,215 0 0
INTERCONTINENTAL EXCHANGE INC COM Common Stock 45866F104 230 2,543 SH   SOLE   2,543 0 0
INTUIT Common Stock 461202103 423 1,093 SH   SOLE   1,093 0 0
INVESCO QQQ TR UNIT SER 1 Exchange Traded Fund 46090E103 668 2,500 SH   SOLE   2,500 0 0
ISHARES 0-5 YEAR TIPS BOND ETF Fixed Income ETF 46429B747 1,627 16,925 SH   SOLE   16,925 0 0
ISHARES CORE S&P 500 ETF Exchange Traded Fund 464287200 27,619 77,008 SH   SOLE   76,553 455 0
ISHARES CORE S&P 500 ETF Exchange Traded Fund 464287200 2,123 5,919 SH   OTR   4,386 1,533 0
ISHARES CORE S&P MID-CAP ETF Exchange Traded Fund 464287507 9,300 42,416 SH   SOLE   42,095 321 0
ISHARES CORE S&P MID-CAP ETF Exchange Traded Fund 464287507 597 2,722 SH   OTR   2,089 633 0
ISHARES CORE S&P SMALL-CAP ETF Exchange Traded Fund 464287804 9,932 113,912 SH   SOLE   112,688 1,224 0
ISHARES CORE S&P SMALL-CAP ETF Exchange Traded Fund 464287804 744 8,535 SH   OTR   6,701 1,834 0
ISHARES CORE S&P US GROWTH ETF Exchange Traded Fund 464287671 1,167 14,559 SH   SOLE   14,559 0 0
iSHARES CORE S&P US VALUE ETF Exchange Traded Fund 464287663 1,205 19,241 SH   SOLE   19,241 0 0
ISHARES DOW JONES INTERNATIONAL SELECT Exchange Traded Fund 464288448 2,079 92,282 SH   SOLE   92,282 0 0
ISHARES DOW JONES INTERNATIONAL SELECT Exchange Traded Fund 464288448 242 10,742 SH   OTR   10,742 0 0
iSHARES MSCI ACWI EX US ETF Exchange Traded Fund 464288240 307 7,678 SH   SOLE   7,678 0 0
ISHARES MSCI EMERGING MARKETS MIN VOL FACTOR ETF Exchange Traded Fund 464286533 301 5,949 SH   SOLE   5,949 0 0
ISHARES MSCI EMERGING MARKETS MIN VOL FACTOR ETF Exchange Traded Fund 464286533 15 299 SH   OTR   299 0 0
ISHARES RUSSELL 1000 GROWTH INDEX FUND Exchange Traded Fund 464287614 250 1,190 SH   SOLE   1,190 0 0
JOHNSON & JOHNSON Common Stock 478160104 1,015 6,212 SH   SOLE   6,212 0 0
JOHNSON & JOHNSON Common Stock 478160104 143 873 SH   OTR   389 484 0
JPMORGAN CHASE & CO Common Stock 46625H100 732 7,004 SH   SOLE   7,004 0 0
KBR INC Common Stock 48242W106 402 9,311 SH   SOLE   9,311 0 0
KEYSIGHT TECHNOLOGIES INC Common Stock 49338L103 356 2,263 SH   SOLE   2,263 0 0
KROGER (THE) CO Common Stock 501044101 1,513 34,590 SH   SOLE   34,590 0 0
LAM RESEARCH CORP Common Stock 512807108 247 675 SH   SOLE   675 0 0
LILLY (ELI) & CO Common Stock 532457108 419 1,296 SH   SOLE   1,296 0 0
LULULEMON ATHLETICA INC Common Stock 550021109 211 753 SH   SOLE   753 0 0
MARTIN MARIETTA MATERIALS INC Common Stock 573284106 306 949 SH   SOLE   949 0 0
MASTERCARD INC Common Stock 57636Q104 469 1,648 SH   SOLE   1,648 0 0
MATERIALS SELECT SECTOR SPDR Exchange Traded Fund 81369Y100 367 5,399 SH   SOLE   5,399 0 0
MATERIALS SELECT SECTOR SPDR Exchange Traded Fund 81369Y100 22 330 SH   OTR   330 0 0
META PLATFORMS INC Common Stock 30303M102 693 5,107 SH   SOLE   5,107 0 0
METTLER TOLEDO INTERNATIONAL INC Common Stock 592688105 577 532 SH   SOLE   532 0 0
MICROSOFT CORP Common Stock 594918104 3,250 13,956 SH   SOLE   13,956 0 0
MICROSOFT CORP Common Stock 594918104 132 566 SH   OTR   566 0 0
MONSTER BEVERAGE CORP NEW Common Stock 61174X109 290 3,332 SH   SOLE   3,332 0 0
MYR GROUP INC Common Stock 55405W104 363 4,286 SH   SOLE   4,286 0 0
NEXTERA ENERGY INC Common Stock 65339F101 590 7,522 SH   SOLE   7,522 0 0
NICE SYSTEMS LTD Int'l Common Stock 653656108 239 1,269 SH   SOLE   1,269 0 0
NIKE INC CL B Common Stock 654106103 402 4,836 SH   SOLE   4,836 0 0
NOVO-NORDISK SPONS ADR Int'l Common Stock 670100205 286 2,869 SH   SOLE   2,869 0 0
NV5 GLOBAL INC COM Common Stock 62945V109 403 3,251 SH   SOLE   3,251 0 0
NVIDIA CORP Common Stock 67066G104 702 5,786 SH   SOLE   5,786 0 0
OCCIDENTAL PETROLEUM CORP Common Stock 674599105 413 6,729 SH   SOLE   6,729 0 0
O'REILLY AUTOMOTIVE INC Common Stock 67103H107 487 693 SH   SOLE   693 0 0
PAYCOM SOFTWARE INC Common Stock 70432V102 382 1,158 SH   SOLE   1,158 0 0
PEPSICO INC Common Stock 713448108 557 3,413 SH   SOLE   3,413 0 0
PEPSICO INC Common Stock 713448108 14 83 SH   OTR   83 0 0
PROCTER & GAMBLE CO Common Stock 742718109 139 1,099 SH   SOLE   1,099 0 0
PROCTER & GAMBLE CO Common Stock 742718109 133 1,057 SH   OTR   1,057 0 0
QUALCOMM INC Common Stock 747525103 471 4,167 SH   SOLE   4,167 0 0
REGAL REXNORD CORPORATION Common Stock 758750103 318 2,269 SH   SOLE   2,269 0 0
ROSS STORES INC Common Stock 778296103 302 3,585 SH   SOLE   3,585 0 0
S&P GLOBAL INC COM Common Stock 78409V104 353 1,157 SH   SOLE   1,157 0 0
SELECT SECTOR SPDR TR RL EST SEL SEC Exchange Traded Fund 81369Y860 304 8,442 SH   SOLE   8,442 0 0
SELECT SECTOR SPDR TR RL EST SEL SEC Exchange Traded Fund 81369Y860 11 305 SH   OTR   305 0 0
SHELL PLC Int'l Common Stock 780259305 264 5,304 SH   SOLE   5,304 0 0
SYSCO CORP Common Stock 871829107 435 6,157 SH   SOLE   6,157 0 0
T MOBILE US INC Common Stock 872590104 515 3,840 SH   SOLE   3,840 0 0
TARGET CORP Common Stock 87612E106 541 3,646 SH   SOLE   3,646 0 0
TECHNOLOGY SELECT SECTOR SPDR Exchange Traded Fund 81369Y803 5,046 42,484 SH   SOLE   42,484 0 0
TECHNOLOGY SELECT SECTOR SPDR Exchange Traded Fund 81369Y803 306 2,580 SH   OTR   2,580 0 0
TESLA INC Common Stock 88160R101 897 3,380 SH   SOLE   3,380 0 0
TESLA INC Common Stock 88160R101 13 48 SH   OTR   48 0 0
THE HERSHEY COMPANY Common Stock 427866108 350 1,586 SH   SOLE   1,586 0 0
THERMO FISHER SCIENTIFIC INC Common Stock 883556102 1,124 2,216 SH   SOLE   2,216 0 0
UBS GROUP AG Int'l Common Stock H42097107 189 13,037 SH   SOLE   13,037 0 0
ULTA BEAUTY INC Common Stock 90384S303 453 1,128 SH   SOLE   1,128 0 0
UNITEDHEALTH GROUP INC Common Stock 91324P102 812 1,607 SH   SOLE   1,607 0 0
UNITEDHEALTH GROUP INC Common Stock 91324P102 22 43 SH   OTR   43 0 0
UTILITIES SELECT SECTOR SPDR Exchange Traded Fund 81369Y886 455 6,950 SH   SOLE   6,950 0 0
UTILITIES SELECT SECTOR SPDR Exchange Traded Fund 81369Y886 93 1,420 SH   OTR   250 1,170 0
VANGUARD REAL ESTATE ETF Exchange Traded Fund 922908553 548 6,840 SH   SOLE   6,840 0 0
VERTEX PHARMACEUTICALS INC Common Stock 92532F100 484 1,673 SH   SOLE   1,673 0 0
VISA INC CL A Common Stock 92826C839 790 4,445 SH   SOLE   4,445 0 0
VISA INC CL A Common Stock 92826C839 10 56 SH   OTR   56 0 0
VISTRA CORP Common Stock 92840M102 467 22,247 SH   SOLE   22,247 0 0
WALMART INC Common Stock 931142103 848 6,535 SH   SOLE   4,835 1,700 0
WALMART INC Common Stock 931142103 26 200 SH   OTR   200 0 0
WASTE MANAGEMENT INC DEL Common Stock 94106L109 573 3,576 SH   SOLE   3,576 0 0
WELLS FARGO & CO NEW Common Stock 949746101 228 5,668 SH   OTR   5,668 0 0