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 2,409 12,130 SH   SOLE   11,730 0 400
ABBOTT LABS COM 002824100 2,720 23,466 SH   SOLE   22,533 0 933
ABBVIE INC COM 00287y109 3,182 28,249 SH   SOLE   22,084 0 6,165
AIR PRODS & CHEMS INC COM 009158106 313 1,089 SH   SOLE   1,089 0 0
ALLSTATE CORP COM 020002101 464 3,560 SH   SOLE   3,560 0 0
ALPHABET INC CAP STK CL A 02079k305 625 256 SH   SOLE   140 0 116
ALPHABET INC CAP STK CL C 02079k107 642 256 SH   SOLE   140 0 116
AMAZON COM INC COM 023135106 2,959 860 SH   SOLE   604 0 256
AMERICAN EXPRESS CO COM 025816109 204 1,234 SH   SOLE   0 0 1,234
AMERICAN WTR WKS CO INC NEW COM 030420103 247 1,600 SH   SOLE   0 0 1,600
ANALOG DEVICES INC COM 032654105 1,053 6,115 SH   SOLE   6,115 0 0
APPLE INC COM 037833100 1,344 9,812 SH   SOLE   2,612 0 7,200
ARCHER DANIELS MIDLAND CO COM 039483102 941 15,521 SH   SOLE   9,128 0 6,393
ARCHER DANIELS MIDLAND CO COM 039483102 2 34 SH   OTR   0 0 34
AUTODESK INC COM 052769106 374 1,280 SH   SOLE   0 0 1,280
AUTOMATIC DATA PROCESSING IN COM 053015103 5,633 28,363 SH   SOLE   28,113 0 250
AVERY DENNISON CORP COM 053611109 1,051 5,000 SH   SOLE   5,000 0 0
BECTON DICKINSON & CO COM 075887109 383 1,575 SH   SOLE   1,575 0 0
BLACKROCK INC COM 09247x101 1,005 1,149 SH   SOLE   662 0 487
BLACKROCK INC COM 09247x101 3 3 SH   OTR   0 0 3
BRISTOL-MYERS SQUIBB CO COM 110122108 928 13,894 SH   SOLE   8,112 0 5,782
BRISTOL MYERS SQUIBB CO COM 110122108 2 31 SH   OTR   0 0 31
BROADRIDGE FINL SOLUTIONS IN COM 11133t103 690 4,272 SH   SOLE   4,272 0 0
CATERPILLAR INC COM 149123101 2,978 13,684 SH   SOLE   11,934 0 1,750
CATERPILLAR INC COM 149123101 2 9 SH   OTR   0 0 9
CDK GLOBAL INC COM 12508e101 298 5,998 SH   SOLE   5,998 0 0
CHEVRON CORP COM 166764100 1,590 15,176 SH   SOLE   11,400 0 3,776
CHEVRON CORP NEW COM 166764100 2 18 SH   OTR   0 0 18
CISCO SYS INC COM 17275r102 1,593 30,064 SH   SOLE   10,383 0 19,681
CISCO SYS INC COM 17275r102 2 38 SH   OTR   0 0 38
COCA COLA CO COM 191216100 5,165 95,454 SH   SOLE   88,495 0 6,959
COCA COLA CO COM 191216100 2 36 SH   OTR   0 0 36
COMCAST CORP NEW CL A 20030n101 995 17,448 SH   SOLE   0 0 17,448
CONOCOPHILLIPS COM 20825c104 6,487 106,523 SH   SOLE   105,483 0 1,040
COSTCO WHSL CORP NEW COM 22160k105 1,482 3,745 SH   SOLE   1,362 0 2,383
COSTCO WHSL CORP NEW COM 22160k105 2 6 SH   OTR   0 0 6
DEERE & CO COM 244199105 272 770 SH   SOLE   0 0 770
DOW INC COM 260557103 27,946 441,624 SH   SOLE   60,614 0 381,010
DUPONT DE NEMOURS INC COM 26614n102 22,270 287,690 SH   SOLE   33,976 0 253,714
EATON CORP PLC SHS g29183103 1,006 6,788 SH   SOLE   3,986 0 2,802
EATON CORP PLC SHS g29183103 2 13 SH   OTR   0 0 13
EMERSON ELEC CO COM 291011104 963 10,010 SH   SOLE   5,895 0 4,115
EMERSON ELEC CO COM 291011104 2 22 SH   OTR   0 0 22
EXXON MOBIL CORP COM 30231g102 1,993 31,591 SH   SOLE   31,582 0 9
FACEBOOK INC CL A 30303m102 562 1,616 SH   SOLE   200 0 1,416
GILEAD SCIENCES INC COM 375558103 891 12,946 SH   SOLE   7,574 0 5,372
GILEAD SCIENCES INC COM 375558103 2 30 SH   OTR   0 0 30
HERSHEY CO COM 427866108 3,596 20,645 SH   SOLE   20,645 0 0
HOME DEPOT INC COM 437076102 4,103 12,865 SH   SOLE   8,985 0 3,880
HOME DEPOT INC COM 437076102 2 7 SH   OTR   0 0 7
HONEYWELL INTL INC COM 438516106 1,645 7,500 SH   SOLE   7,500 0 0
INTEL CORP COM 458140100 1,871 33,322 SH   SOLE   27,828 0 5,494
INTERNATIONAL BUSINESS MACHS COM 459200101 410 2,794 SH   SOLE   2,794 0 0
JOHNSON & JOHNSON COM 478160104 10,833 65,759 SH   SOLE   63,614 0 2,145
JOHNSON & JOHNSON COM 478160104 2 12 SH   OTR   0 0 12
JPMORGAN CHASE & CO COM 46625h100 4,666 29,999 SH   SOLE   28,339 0 1,660
LOCKHEED MARTIN CORP COM 539830109 558 1,474 SH   SOLE   0 0 1,474
LYONDELLBASELL INDUSTRIES N SHS - A - n53745100 915 8,899 SH   SOLE   5,253 0 3,646
LYONDELLBASELL INDUSTRIES N SHS - A - n53745100 2 18 SH   OTR   0 0 18
MARATHON PETE CORP COM 56585a102 458 7,580 SH   SOLE   7,580 0 0
MCDONALDS CORP COM 580135101 1,185 5,128 SH   SOLE   2,264 0 2,864
MCDONALDS CORP COM 580135101 2 9 SH   OTR   0 0 9
MEDTRONIC PLC SHS g5960l103 886 7,136 SH   SOLE   4,149 0 2,987
MEDTRONIC PLC SHS g5960l103 2 17 SH   OTR   0 0 17
MERCK & CO INC COM 58933y105 2,403 30,900 SH   SOLE   30,900 0 0
MICROSOFT CORP COM 594918104 11,221 41,420 SH   SOLE   37,694 0 3,726
MICROSOFT CORP COM 594918104 2 8 SH   OTR   0 0 8
MORGAN STANLEY COM NEW 617446448 275 2,996 SH   SOLE   2,996 0 0
NEXTERA ENERGY INC COM 65339f101 824 11,248 SH   SOLE   6,573 0 4,675
NEXTERA ENERGY INC COM 65339f101 2 26 SH   OTR   0 0 26
ORACLE CORP COM 68389x105 984 12,638 SH   SOLE   7,282 0 5,356
ORACLE CORP COM 68389x105 2 26 SH   OTR   0 0 26
PEPSICO INC COM 713448108 445 3,000 SH   SOLE   3,000 0 0
PFIZER INC COM 717081103 956 24,413 SH   SOLE   14,308 0 10,105
PFIZER INC COM 717081103 2 54 SH   OTR   0 0 54
PHILLIPS 66 COM 718546104 5,751 67,015 SH   SOLE   66,495 0 520
PNC FINL SVCS GROUP INC COM 693475105 1,128 5,913 SH   SOLE   5,913 0 0
PROCTER AND GAMBLE CO COM 742718109 3,331 24,686 SH   SOLE   12,712 0 11,974
PROCTER AND GAMBLE CO COM 742718109 2 14 SH   OTR   0 0 14
PRUDENTIAL FINL INC COM 744320102 908 8,858 SH   SOLE   5,272 0 3,586
PRUDENTIAL FINL INC COM 744320102 2 19 SH   OTR   0 0 19
QUALCOMM INC COM 747525103 862 6,030 SH   SOLE   3,512 0 2,518
QUALCOMM INC COM 747525103 2 14 SH   OTR   0 0 14
TEXAS INSTRS INC COM 882508104 928 4,827 SH   SOLE   2,852 0 1,975
TEXAS INSTRS INC COM 882508104 2 10 SH   OTR   0 0 10
THERMO FISHER SCIENTIFIC INC COM 883556102 908 1,800 SH   SOLE   0 0 1,800
UNION PAC CORP COM 907818108 6,837 31,088 SH   SOLE   29,403 0 1,685
UNION PAC CORP COM 907818108 2 9 SH   OTR   0 0 9
UNITED PARCEL SERVICE INC CL B 911312106 1,058 5,085 SH   SOLE   2,960 0 2,125
UNITED PARCEL SERVICE INC CL B 911312106 2 11 SH   OTR   0 0 11
UNITEDHEALTH GROUP INC COM 91324p102 961 2,400 SH   SOLE   1,391 0 1,009
UNITEDHEALTH GROUP INC COM 91324p102 2 5 SH   OTR   0 0 5
US BANCORP DEL COM NEW 902973304 979 17,188 SH   SOLE   10,010 0 7,178
US BANCORP DEL COM NEW 902973304 2 35 SH   OTR   0 0 35
VERIZON COMMUNICATIONS INC COM 92343v104 875 15,620 SH   SOLE   9,209 0 6,411
VERIZON COMMUNICATIONS INC COM 92343v104 2 34 SH   OTR   0 0 34
VISA INC COM CL A 92826c839 878 3,754 SH   SOLE   0 0 3,754
WALMART INC COM 931142103 845 5,989 SH   SOLE   3,506 0 2,483
WALMART INC COM 931142103 2 12 SH   OTR   0 0 12
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609w102 382 1,686 SH   SOLE   150 0 1,536
SANOFI SP ADR SPONSORED ADR 80105n105 930 17,651 SH   SOLE   10,329 0 7,322
SANOFI SP ADR SPONSORED ADR 80105n105 2 37 SH   OTR   0 0 37
SELECT SECTOR SPDR TR ENERGY 81369y506 290 5,375 SH   SOLE   0 0 5,375
INVESCO EXCHANGE TRADED FD T FINL PFD ETF 46137v621 1,571 81,426 SH   SOLE   49,920 0 31,506
INVESCO EXCHANGE TRADED FD T FINL PFD ETF 46137v621 3 164 SH   OTR   0 0 164
INVESCO QQQ TR UNIT SER 1 46090e103 9,669 27,281 SH   SOLE   24,830 0 2,451
ISHARES TR CORE MSCI EAFE 46432f842 27,071 361,621 SH   SOLE   162,369 0 199,252
ISHARES TR CORE MSCI EAFE 46432f842 395 5,276 SH   OTR   0 0 5,276
ISHARES TR CORE MSCI TOTAL 46432f834 656 8,956 SH   SOLE   7,356 0 1,600
ISHARES INC MSCI AUST ETF 464286103 11,280 434,197 SH   SOLE   190,521 0 243,676
ISHARES INC MSCI AUST ETF 464286103 174 6,697 SH   OTR   0 0 6,697
ISHARES TR MSCI ACWI ETF 464288257 3,265 32,270 SH   SOLE   24,771 0 7,499
ISHARES TR RUSEL 2500 ETF 46435g268 209 3,152 SH   SOLE   1,968 0 1,184
ISHARES TR RUSEL 2500 ETF 46435g268 17 253 SH   OTR   124 0 129
ISHARES TR COHEN STEER REIT 464287564 349 5,333 SH   SOLE   5,333 0 0
ISHARES TR SELECT DIVID ETF 464287168 744 6,380 SH   SOLE   6,000 0 380
ISHARES TR TR U. S. TECH ETF 464287721 2,565 25,800 SH   SOLE   25,800 0 0
ISHARES TR MSCI EAFE ETF 464287465 13,897 176,180 SH   SOLE   157,055 0 19,125
ISHARES TR MSCI EMG MKT ETF 464287234 2,462 44,644 SH   SOLE   35,334 0 9,310
ISHARES TR RUS 1000 ETF 464287622 25,195 104,079 SH   SOLE   45,022 0 59,057
ISHARES TR RUS 1000 ETF 464287622 469 1,937 SH   OTR   0 0 1,937
ISHARES TR RUS 1000 GRW ETF 464287614 2,240 8,250 SH   SOLE   8,250 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 3,269 14,250 SH   SOLE   14,150 0 100
ISHARES TR RUS 2000 GRW ETF 464287648 3,396 10,897 SH   SOLE   10,897 0 0
ISHARES TR RUS MID CAP ETF 464287499 19,725 248,928 SH   SOLE   131,429 0 117,499
ISHARES TR RUS MID CAP ETF 464287499 259 3,265 SH   OTR   0 0 3,265
ISHARES TR RUS MD CP GR ETF 464287481 240 2,124 SH   SOLE   2,124 0 0
ISHARES TR S & P GRWT ETF 464287309 10,627 146,120 SH   SOLE   145,320 0 800
ISHARES TR CORE S & P MCP ETF 464287507 18,027 67,084 SH   SOLE   37,145 0 29,939
ISHARES TR CORE S & P MCP ETF 464287507 220 819 SH   OTR   0 0 819
ISHARES TR CORE S & P SCP ETF 464287804 322 2,849 SH   SOLE   2,849 0 0
ISHARES TR SP SMCP600VL ETF 464287879 4,000 37,940 SH   SOLE   37,940 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 17,352 229,465 SH   SOLE   108,513 0 120,952
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 247 3,262 SH   OTR   0 0 3,262
SELECT SECTOR SPDR TR FINANCIAL 81369y605 1,156 31,495 SH   SOLE   31,495 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369y803 961 6,510 SH   SOLE   6,510 0 0
SPDR S&P 500 ETF TR TR UNIT 78462f103 130,567 305,021 SH   SOLE   128,358 0 176,663
SPDR S&P 500 ETF TR TR UNIT 78462f103 2,170 5,069 SH   OTR   46 0 5,023
VANGUARD INDEX FUNDS GROWTH ETF 922908736 1,327 4,626 SH   SOLE   4,626 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 652 3,247 SH   SOLE   0 0 3,247
VANGUARD INDEX FDS SMALL CP ETF 922908751 17,818 79,093 SH   SOLE   36,839 0 42,254
VANGUARD INDEX FDS SMALL CP ETF 922908751 274 1,218 SH   OTR   0 0 1,218
VANGUARD INDEX FDS VALUE ETF 922908744 1,395 10,151 SH   SOLE   9,651 0 500
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 41,120 798,130 SH   SOLE   393,969 0 404,161
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 455 8,831 SH   OTR   0 0 8,831
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 12,942 238,299 SH   SOLE   105,528 0 132,771
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 169 3,113 SH   OTR   0 0 3,113
VANGUARD STAR FDS VGT TL INTL STK F 921909768 223 3,398 SH   SOLE   2,133 0 1,265
VANGUARD STAR FDS VGT TL INTL STK F 921909768 17 258 SH   OTR   124 0 134
ISHARES TR ISHS 5-10YR INVT 464288638 10,534 174,051 SH   SOLE   91,676 0 82,375
ISHARES TR ISHS 5-10YR INVT 464288638 121 2,006 SH   OTR   0 0 2,006
ISHARES TR SHRT NAT MUN ETF 464288158 4,469 41,453 SH   SOLE   29,423 0 12,030
ISHARES TR PFD AND INCM SEC 464288687 2,209 56,148 SH   SOLE   23,126 0 33,022
ISHARES TR PFD AND INCM SEC 464288687 3 79 SH   OTR   0 0 79
ISHARES TR ISHS 1-5YR INVS 464288646 16,044 292,722 SH   SOLE   154,419 0 138,303
ISHARES TR ISHS 1-5YR INVS 464288646 278 5,078 SH   OTR   42 0 5,036
ISHARES TR 3 7 YR TREAS BD 464288661 208 1,591 SH   SOLE   904 0 687
ISHARES TR INTRM GOV CR ETF 464288612 50,863 439,918 SH   SOLE   214,318 0 225,600
ISHARES TR INTRM GOV CR ETF 464288612 1,056 9,132 SH   OTR   36 0 9,096
ISHARES TR MBS ETF 464288588 30,862 285,150 SH   SOLE   151,170 0 133,980
ISHARES TR MBS ETF 464288588 632 5,843 SH   OTR   24 0 5,819
ISHARES TR NATIONAL MUN ETF 464288414 15,208 129,764 SH   SOLE   91,176 0 38,588
SPDR SER TR BLOOMBERG BRCLYS 78468r622 17,667 160,664 SH   SOLE   95,219 0 65,445
SPDR SER TR BLOOMBERG BRCLYS 78468r622 153 1,390 SH   OTR   0 0 1,390
VANGUARD BD INDEX FDS INTERMED TERM 921937819 331 3,675 SH   SOLE   0 0 3,675
AMERICAN TOWER CORP NEW COM 03027X100 324 1,200 SH   SOLE   0 0 1,200
ANNALY CAPITAL MANAGEMENT IN COM 035710409 893 100,578 SH   SOLE   59,128 0 41,450
ANNALY CAPITAL MANAGEMENT IN COM 035710409 2 223 SH   OTR   0 0 223