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
3M CO COM 88579y101 1,892 12,130 SH   SOLE   11,730 0 400
ABBOTT LABS COM 002824100 2,255 24,666 SH   SOLE   23,333 0 1,333
ABBVIE INC COM 00287y109 2,715 27,652 SH   SOLE   22,503 0 5,149
AIR PRODS & CHEMS INC COM 009158106 1,328 5,498 SH   SOLE   1,033 0 4,465
ALLSTATE CORP COM 020002101 377 3,892 SH   SOLE   3,892 0 0
ALPHABET INC CAP STK CL A 02079k305 549 387 SH   SOLE   140 0 247
ALPHABET INC CAP STK CL C 02079k107 548 388 SH   SOLE   140 0 248
AMAZON COM 023135106 3,998 1,449 SH   SOLE   494 0 955
ANALOG DEVICES INC COM 032654105 806 6,575 SH   SOLE   6,575 0 0
APPLE INC COM 037833100 328 900 SH   SOLE   0 0 900
ARCHER DANIELS MIDLAND CO COM 039483102 928 23,263 SH   SOLE   14,159 0 9,104
ARCHER DANIELS MIDLAND CO COM 039483102 126 3,163 SH   OTR 1 0 0 3,163
AT&T INC COM 00206r102 886 29,324 SH   SOLE   16,962 0 12,362
AT&T INC COM 00206r102 124 4,098 SH   OTR 1 0 0 4,098
AUTOMATIC DATA PROCESSING IN COM 053015103 4,453 29,905 SH   SOLE   28,605 0 1,300
AVERY DENNISON CORP COM 053611109 570 5,000 SH   SOLE   5,000 0 0
BECTON DICKINSON & CO COM 075887109 377 1,575 SH   SOLE   1,575 0 0
BROADRIDGE FINANCIAL SOLUTIONS IN COM 11133t103 587 4,650 SH   SOLE   4,450 0 200
CATERPILLAR INC DEL COM 149123101 2,414 19,086 SH   SOLE   16,181 0 2,905
CATERPILLAR INC DEL COM 149123101 129 1,023 SH   OTR 1 0 0 1,023
CDK GLOBAL INC COM 12508e101 271 6,532 SH   SOLE   5,998 0 534
CHEVRON CORP NEW COM 166764100 1,585 17,761 SH   SOLE   13,932 0 3,829
CHEVRON CORP NEW COM 166764100 120 1,350 SH   OTR 1 0 0 1,350
CISCO SYS INC COM 17275r102 1,240 26,584 SH   SOLE   12,500 0 14,084
CISCO SYS INC COM 17275r102 129 2,761 SH   OTR 1 0 0 2,761
COCA COLA CO COM 191216100 4,068 91,047 SH   SOLE   91,047 0 0
COMCAST CORP NEW CL A 20030n101 391 10,018 SH   SOLE   0 0 10,018
CONOCOPHILLIPS COM 20825c104 5,616 133,641 SH   SOLE   126,000 0 7,641
COSTCO WHSL CORP NEW COM 22160k105 212 700 SH   SOLE   0 0 700
DOW INC COM 260557103 19,912 488,514 SH   SOLE   95,215 0 393,299
DUKE ENERGY CORP COM NEW 26441c204 857 10,724 SH   SOLE   6,567 0 4,157
DUKE ENERGY CORP COM NEW 26441c204 116 1,455 SH   OTR 1 0 0 1,455
DUPONT DE NEMOURS INC COM 26614n102 27,084 509,773 SH   SOLE   114,734 0 395,039
EATON CORP PLC SHS g29183103 884 10,106 SH   SOLE   6,001 0 4,105
EATON CORP PLC SHS g29183103 126 1,437 SH   OTR 1 0 0 1,437
EMERSON ELEC CO COM 291011104 941 15,178 SH   SOLE   9,296 0 5,882
EMERSON ELEC CO COM 291011104 128 2,064 SH   OTR 1 0 0 2,064
EXXON MOBIL CORP COM 30231g102 2,656 59,396 SH   SOLE   43,905 0 15,491
EXXON MOBIL CORP COM 30231g102 118 2,639 SH   OTR 1 0 0 2,639
GENERAL ELECTRIC CO COM 369604103 174 25,547 SH   SOLE   0 0 25,547
GILEAD SCIENCES INC COM 375558103 982 12,757 SH   SOLE   7,858 0 4,899
GILEAD SCIENCES INC COM 375558103 131 1,708 SH   OTR 1 0 0 1,708
HERSHEY CO COM 427866108 2,981 23,000 SH   SOLE   23,000 0 0
HOME DEPOT INC COM 437076102 2,478 9,890 SH   SOLE   8,390 0 1,500
HONEYWELL INTL INC COM 438516106 1,235 8,544 SH   SOLE   7,500 0 1,044
INTEL CORP COM 458140100 1,941 32,449 SH   SOLE   28,400 0 4,049
INTERNATIONAL BUSINESS MACHS COM 459200101 1,666 13,796 SH   SOLE   6,940 0 6,856
INTERNATIONAL BUSINESS MACHS COM 459200101 122 1,009 SH   OTR 1 0 0 1,009
JOHNSON & JOHNSON COM 478160104 9,432 67,070 SH   SOLE   67,060 0 10
JOHNSON & JOHNSON COM 478160104 26 183 SH   OTR 1 0 0 183
JPMORGAN CHASE & CO COM 46625h100 3,657 38,882 SH   SOLE   32,350 0 6,532
JPMORGAN CHASE & CO COM 46625h100 30 321 SH   OTR 1 0 0 321
LOCKHEED MARTIN CORP COM 539830109 540 1,480 SH   SOLE   0 0 1,480
LYONDELLBASELL INDUSTRIES N SHS - A n53745100 883 13,443 SH   SOLE   8,235 0 5,208
LYONDELLBASELL INDUSTRIES N SHS - A n53745100 119 1,804 SH   OTR 1 0 0 1,804
MARATHON PETE CORP COM 56585a102 283 7,580 SH   SOLE   7,580 0 0
MCDONALDS CORP COM 580135101 207 1,120 SH   SOLE   0 0 1,120
MCKESSON CORP COM 58155q103 283 1,845 SH   SOLE   0 0 1,845
MERCK & CO INC COM 58933y105 3,624 46,870 SH   SOLE   30,900 0 15,970
MICROSOFT CORP COM 594918104 11,133 54,706 SH   SOLE   53,464 0 1,242
OMNICOM GROUP INC COM 681919106 915 16,762 SH   SOLE   10,277 0 6,485
OMNICOM GROUP INC COM 681919106 124 2,267 SH   OTR 1 0 0 2,267
ORACLE CORP COM 68389x105 257 4,652 SH   SOLE   0 0 4,652
PEPSICO INC COM 713448108 397 3,000 SH   SOLE   3,000 0 0
PFIZER INC COM 717081103 846 25,876 SH   SOLE   15,603 0 10,273
PFIZER INC COM 717081103 118 3,612 SH   OTR 1 0 0 3,612
PHILLIPS 66 COM 718546104 5,885 81,847 SH   SOLE   78,025 0 3,822
PNC FINL SVCS GROUP INC COM 693475105 814 7,738 SH   SOLE   7,738 0 0
PROCTER & GAMBLE CO COM 742718109 1,899 15,885 SH   SOLE   9,282 0 6,603
RAYTHEON TECHNOLOGIES CORP COM 75513e101 864 14,022 SH   SOLE   8,533 0 5,489
RAYTHEON TECHNOLOGIES CORP COM 75513e101 118 1,912 SH   OTR 1 0 0 1,912
SEAGATE TECHNOLOGY PLC COM g7945m107 849 17,547 SH   SOLE   10,654 0 6,893
SEAGATE TECHNOLOGY PLC COM g7945m107 116 2,397 SH   OTR 1 0 0 2,397
TEXAS INSTRS INC COM 882508104 889 6,999 SH   SOLE   4,110 0 2,889
TEXAS INSTRS INC COM 882508104 128 1,008 SH   OTR 1 0 0 1,008
THERMO FISHER SCIENTIFIC INC COM 883556102 326 900 SH   SOLE   0 0 900
TORONTO DOMINION BK ONT COM 891160509 925 20,728 SH   SOLE   12,715 0 8,013
TORONTO DOMINION BK ONT COM 891160509 125 2,810 SH   OTR 1 0 0 2,810
UNION PAC CORP COM 907818108 5,248 31,038 SH   SOLE   30,003 0 1,035
UNITED PARCEL SERVICE INC CL B 911312106 1,026 9,230 SH   SOLE   5,669 0 3,561
UNITED PARCEL SERVICE INC CL B 911312106 139 1,252 SH   OTR 1 0 0 1,252
VERIZON COMMUNICATIONS INC COM 92343v104 905 16,418 SH   SOLE   9,939 0 6,479
VERIZON COMMUNICATIONS INC COM 92343v104 125 2,261 SH   OTR 1 0 0 2,261
VISA INC COM CL A 92826c839 363 1,877 SH   SOLE   0 0 1,877
WELLS FARGO CO NEW COM 949746101 842 32,881 SH   SOLE   20,168 0 12,713
WELLS FARGO CO NEW COM 949746101 111 4,352 SH   OTR 1 0 0 4,352
SANOFI SPONSORED ADR 80105n105 956 18,735 SH   SOLE   11,344 0 7,391
SANOFI SPONSORED ADR 80105n105 132 2,580 SH   OTR 1 0 0 2,580
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADR 874039100 327 5,752 SH   SOLE   0 0 5,752
ENERGY SELECT SECTOR SPDR TR ENERGY 81369y506 203 5,375 SH   SOLE   0 0 5,375
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137v613 320 2,950 SH   OTR 1 0 0 2,950
INVESCO EXCHANGE TRADED T S&P500 EQL WGT 46137v357 299 2,941 SH   SOLE   0 0 2,941
INVESCO EXCHANGE TRADED FUND T FINL PFD ETF 46137v621 921 51,458 SH   SOLE   31,236 0 20,222
INVESCO EXCHANGE TRADED FUND T FINL PFD ETF 46137v621 127 7,100 SH   OTR 1 0 0 7,100
INVESCO QQQ TR UNIT SER 1 46090e103 6,755 27,281 SH   SOLE   24,830 0 2,451
INVESCO QQQ TR UNIT SER 2 46090e103 10 41 SH   OTR 1 0 0 41
ISHARES TR CORE MSCI EAFE 46432f842 11,737 205,344 SH   SOLE   97,529 0 107,815
ISHARES TR CORE MSCI EAFE 46432f842 9,669 169,163 SH   OTR 1 0 0 169,163
ISHARES TR MSCI ACWI ETF 464288257 2,644 35,870 SH   SOLE   26,920 0 8,950
ISHARES TR USA QUALITY FCTR 46432f339 712 7,423 SH   OTR 1 0 0 7,423
ISHARES TR RUSEL 2500 ETF 46435g268 180 4,239 SH   SOLE   2,712 0 1,527
ISHARES TR RUSEL 2500 ETF 46435g268 90 2,124 SH   OTR 1 134 0 1,990
ISHARES TR COHEN STEER REIT 464287564 209 2,071 SH   SOLE   2,071 0 0
ISHARES TR SELECT DIVID ETF 464287168 515 6,380 SH   SOLE   6,000 0 380
ISHARES TR U.S. TECH ETF 464287721 1,740 6,450 SH   SOLE   6,450 0 0
ISHARES TR MSCI EAFE ETF 464287465 10,724 176,180 SH   SOLE   157,055 0 19,125
ISHARES TR MSCIE EAFE ETF 464287465 1,722 28,290 SH   OTR 1 0 0 28,290
ISHARES TR MSCI EMG MKT ETF 464287234 2,279 56,984 SH   SOLE   48,084 0 8,900
ISHARES TR RUS 1000 ETF 464287622 19,144 111,510 SH   SOLE   47,398 0 64,112
ISHARES TR RUS 1000 ETF 464287622 18,519 107,867 SH   OTR 1 0 0 107,867
ISHARES TR RUS 100 GRW ETF 464287614 1,619 8,436 SH   SOLE   8,436 0 0
ISHARES TR RUSEL 2000 ETF 464287655 2,026 14,150 SH   SOLE   14,150 0 0
ISHARES TR RUS 200 GRW ETF 464287648 2,254 10,897 SH   SOLE   10,897 0 0
ISHARES TR RUS MID CAP ETF 464287499 13,458 251,088 SH   SOLE   119,435 0 131,653
ISHARES TR RUS MID CAP ETF 464287499 10,589 197,554 SH   OTR 1 0 0 197,554
ISHARES TR S&P 500 GRWT ETF 464287309 7,709 37,154 SH   SOLE   37,154 0 0
ISHARES TR CORE S&P MCP ETF 464287507 13,053 73,408 SH   SOLE   39,555 0 33,853
ISHARES TR CORE S&P MCP ETF 464287507 8,588 48,295 SH   OTR 1 0 0 48,295
ISHARES TR CORE S&P SCP ETF 464287804 400 5,854 SH   SOLE   5,854 0 0
ISHARES TR SP SMCP600VL ETF 464287879 2,283 18,970 SH   SOLE   18,970 0 0
SELECT SECTOR SPDR TR SBI INT-FINL 81369y605 729 31,495 SH   SOLE   31,495 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369y803 680 6,510 SH   SOLE   6,510 0 0
SPDR SER TR PORTFOLI S&P1500 78464a805 1,575 41,677 SH   OTR 1 0 0 41,677
SPDR SER TR PORTFOLI S&P1500 78462f103 93,671 303,771 SH   SOLE   133,236 0 170,535
SPDR S&P 500 ETF TR TR UNIT 78462f103 73,128 237,152 SH   OTR 1 46 0 237,106
VANGUARD INDEX FDS GROWTH ETF 922908736 26,030 128,804 SH   SOLE   56,387 0 72,417
VANGUARD INDEX FDS GROWTH ETF 922908736 18,403 91,063 SH   OTR 1 0 0 91,063
VANGUARD INDEX FDS LARGE CAP ETF 922908637 471 3,290 SH   SOLE   0 0 3,290
VANGUARD TAX-MANAGED FDS FTSE DEV MKT ETF 921943858 38,821 1,000,804 SH   SOLE   464,017 0 536,787
VANGUARD TAX-MANAGED FDS FTSE DEV MKT ETF 921943858 28,268 728,746 SH   OTR 1 0 0 728,746
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 501 12,640 SH   SOLE   12,640 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 203 4,127 SH   SOLE   2,634 0 1,493
VANGUARD STAR FDS VG TL INTL STK F 921909768 102 2,074 SH   OTR 1 124 0 1,950
ISHARES TR INTRM TR CRP ETF 464288638 19,290 319,476 SH   SOLE   156,635 0 162,841
ISHARES TR INTRM TR CRP ETF 464288638 11,138 184,473 SH   OTR 1 0 0 184,473
ISHARES TR SHRT NAT MUN ETF 464288158 500 4,639 SH   SOLE   4,639 0 0
ISHARES TR PFD AND INCM SEC 464288687 1,530 44,177 SH   SOLE   19,138 0 25,039
ISHARES S&P US PFD PFD AND INCM SEC 464288687 145 4,176 SH   OTR 1 0 0 4,176
ISHARES S&P US PFD INTRM TR CRP ETF 464288646 17,505 319,956 SH   SOLE   150,476 0 169,480
ISHARES SH TR CRPORT ETF INTRM TR CRP ETF 464288646 12,410 226,824 SH   OTR 1 30 0 226,794
ISHARES TR 1 3 YR TREAS BD 464287457 18,108 209,080 SH   SOLE   102,126 0 106,954
ISHARES TR 1 3 YR TREAS BD 464287457 18,975 219,084 SH   OTR 1 0 0 219,084
ISHARES TR 3 7 YR TREAS BD 464288661 210 1,574 SH   SOLE   678 0 896
ISHARES TR 3 7 YR TREAS BD 464288661 149 1,115 SH   OTR 1 0 0 1,115
ISHARES TR INTRM GOV CR ETF 464288612 12,953 110,036 SH   SOLE   53,597 0 56,439
ISHARES TR INTRM GOV CR ETF 464288612 14,184 120,488 SH   OTR 1 32 0 120,456
ISHARES TR MBS ETF 464288588 22,988 207,661 SH   SOLE   109,271 0 98,390
ISHARES TR MBS ETF 464288588 20,240 182,837 SH   OTR 1 18 0 182,819
ISHARES TR NATIONAL MUN ETF 464288414 8,080 70,019 SH   SOLE   47,715 0 22,304
ISHARES TR NATIONAL MUN ETF 464288414 2,377 20,598 SH   OTR   0 0 20,598
SPDR SER TR BLOOMBERG BRCLYS 78468r622 19,461 192,381 SH   SOLE   102,858 0 89,523
SPDR SER TR BLOOMBERG BRCLYS 78468r622 11,109 109,818 SH   OTR 1 0 0 109,818
VANECK VECTORS ETF TR HIGH YLD MUN ETF 92189h409 563 9,500 SH   OTR 1 0 0 9,500
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206c870 228 2,397 SH   SOLE   0 0 2,397
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206c409 221 2,674 SH   SOLE   0 0 2,674
ANNALY CAPITAL MANAGEMENT IN COM 035710409 947 144,358 SH   SOLE   88,501 0 55,857