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
AT&T INC COMMON STOCK 00206R102 948 61,802 SH   SOLE   61,802 0 0
AT&T INC COMMON STOCK 00206R102 107 7,000 SH   OTR   7,000 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100 2,913 30,102 SH   SOLE   30,102 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100 508 5,250 SH   OTR   5,250 0 0
ABBVIE INC SR NT COMMON STOCK 00287Y109 1,702 12,681 SH   SOLE   12,681 0 0
ABBVIE INC SR NT COMMON STOCK 00287Y109 939 7,000 SH   OTR   7,000 0 0
ACTIVISION BLIZZARD INC COMMON STOCK 00507V109 222 2,985 SH   SOLE   2,985 0 0
ADOBE SYSTEMS INC COMMON STOCK 00724F101 2,019 7,338 SH   SOLE   7,338 0 0
ADVANCED MICRO DEVICES INC COMMON STOCK 007903107 330 5,210 SH   SOLE   5,210 0 0
AGILENT TECHNOLOGIES INC COMMON STOCK 00846U101 615 5,058 SH   SOLE   5,058 0 0
AIRBNB INC COMMON STOCK 009066101 877 8,346 SH   SOLE   8,346 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 238 1,024 SH   SOLE   1,024 0 0
ALIGN TECHNOLOGY INC COMMON STOCK 016255101 334 1,615 SH   SOLE   1,615 0 0
ALLSTATE CORP COMMON STOCK 020002101 274 2,203 SH   SOLE   2,203 0 0
ALPHABET INC COMMON STOCK 02079K107 3,455 35,936 SH   SOLE   35,936 0 0
ALPHABET INC COMMON STOCK 02079K107 37 380 SH   OTR   380 0 0
ALPHABET INC COMMON STOCK 02079K305 3,793 39,654 SH   SOLE   39,654 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 374 9,267 SH   SOLE   9,267 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 202 5,000 SH   OTR   5,000 0 0
AMAZON COM INC COMMON STOCK 023135106 6,517 57,669 SH   SOLE   57,669 0 0
AVANTIS EMG MARKETS EQ ETF MUTUAL FUND/STO 025072604 215 4,689 SH   SOLE   4,689 0 0
AVANTIS EMG MARKETS EQ ETF MUTUAL FUND/STO 025072604 3 69 SH   OTR   69 0 0
AVANTIS INTL EQ ETF MUTUAL FUND/STO 025072703 380 8,330 SH   SOLE   8,330 0 0
AVANTIS INTL EQ ETF MUTUAL FUND/STO 025072703 6 139 SH   OTR   139 0 0
AMERICAN ELECTRIC POWER INC COMMON STOCK 025537101 512 5,919 SH   SOLE   5,919 0 0
AMERICAN ELECTRIC POWER INC COMMON STOCK 025537101 86 1,000 SH   OTR   1,000 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 479 3,549 SH   SOLE   3,549 0 0
AMERICAN TOWER CORP COMMON STOCK 03027X100 829 3,863 SH   SOLE   3,863 0 0
AMERIPRISE FINANCIAL INC COMMON STOCK 03076C106 421 1,672 SH   SOLE   1,672 0 0
AMGEN INC COMMON STOCK 031162100 1,078 4,782 SH   SOLE   4,782 0 0
ANALOG DEVICES INC COMMON STOCK 032654105 315 2,263 SH   SOLE   2,263 0 0
ELEVANCE HEALTH COMMON STOCK 036752103 205 451 SH   SOLE   451 0 0
APPLE INC COMMON STOCK 037833100 17,671 127,865 SH   SOLE   127,865 0 0
APPLE INC COMMON STOCK 037833100 9,398 68,000 SH   OTR   68,000 0 0
APPLE HOSPITALITY REIT INC COMMON STOCK 03784Y200 190 13,523 SH   SOLE   13,523 0 0
APPLIED MATERIALS INC COMMON STOCK 038222105 424 5,170 SH   SOLE   5,170 0 0
ASTRAZENECA PLC FOREIGN STOCK 046353108 217 3,949 SH   SOLE   3,949 0 0
ASTRAZENECA PLC FOREIGN STOCK 046353108 409 7,450 SH   OTR   7,450 0 0
AUTODESK INC COMMON STOCK 052769106 1,028 5,504 SH   SOLE   5,504 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 1,042 4,607 SH   SOLE   4,607 0 0
BCE INC FOREIGN STOCK 05534B760 849 20,246 SH   SOLE   20,246 0 0
BCE INC FOREIGN STOCK 05534B760 185 4,400 SH   OTR   4,400 0 0
BP PLC FOREIGN STOCK 055622104 204 7,156 SH   SOLE   7,156 0 0
BANCO SANTANDER SA FOREIGN STOCK 05964H105 24 10,239 SH   SOLE   10,239 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104 2,555 84,591 SH   SOLE   84,591 0 0
BANK NEW YORK MELLON CORP COMMON STOCK 064058100 1,483 38,500 SH   SOLE   38,500 0 0
BERKSHIRE HATHAWAY INC COMMON STOCK 084670702 910 3,407 SH   SOLE   3,407 0 0
BLACKROCK INC COMMON STOCK 09247X101 204 370 SH   SOLE   370 0 0
BLACKROCK KELSO CAPITAL CORP MUTUAL FUND/COR 092533108 348 102,516 SH   SOLE   102,516 0 0
BRISTOL-MYERS SQUIBB CO COMMON STOCK 110122108 740 10,415 SH   SOLE   10,415 0 0
BRISTOL-MYERS SQUIBB CO COMMON STOCK 110122108 142 2,000 SH   OTR   2,000 0 0
BRITISH AMERICAN TOBACCO PLC FOREIGN STOCK 110448107 1,039 29,274 SH   SOLE   29,274 0 0
BRITISH AMERICAN TOBACCO PLC FOREIGN STOCK 110448107 98 2,750 SH   OTR   2,750 0 0
BROADCOM INC COM COMMON STOCK 11135F101 1,365 3,074 SH   SOLE   3,074 0 0
CIGNA CORP COMMON STOCK 125523100 447 1,610 SH   SOLE   1,610 0 0
CME GROUP INC COMMON STOCK 12572Q105 222 1,256 SH   SOLE   1,256 0 0
CSX CORP COMMON STOCK 126408103 1,076 40,405 SH   SOLE   40,405 0 0
CVS HEALTH CORPORATION COMMON STOCK 126650100 469 4,914 SH   SOLE   4,914 0 0
CDN IMPERIAL BK FOREIGN STOCK 136069101 407 9,306 SH   SOLE   9,306 0 0
CDN IMPERIAL BK FOREIGN STOCK 136069101 201 4,600 SH   OTR   4,600 0 0
CATERPILLAR INC COMMON STOCK 149123101 287 1,752 SH   SOLE   1,752 0 0
CELANESE CORP COMMON STOCK 150870103 531 5,879 SH   SOLE   5,879 0 0
CHEVRON CORP NEW COMMON STOCK 166764100 1,580 10,994 SH   SOLE   10,994 0 0
CHEVRON CORP NEW COMMON STOCK 166764100 1,149 8,000 SH   OTR   0 0 8,000
CISCO SYSTEMS INC COMMON STOCK 17275R102 968 24,207 SH   SOLE   24,207 0 0
CLOROX CO COMMON STOCK 189054109 456 3,554 SH   SOLE   3,554 0 0
COCA COLA CO COMMON STOCK 191216100 1,001 17,870 SH   SOLE   17,870 0 0
COCA COLA CO COMMON STOCK 191216100 171 3,050 SH   OTR   3,050 0 0
COMCAST CORP COMMON STOCK 20030N101 1,016 34,625 SH   SOLE   34,625 0 0
CONAGRA BRANDS INC COMMON STOCK 205887102 342 10,477 SH   SOLE   10,477 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 1,321 12,908 SH   SOLE   12,908 0 0
CONSTELLATION BRANDS INC COMMON STOCK 21036P108 215 937 SH   SOLE   937 0 0
CONSTELLATION ENERGY CORP COMMON STOCK 21037T109 254 3,052 SH   SOLE   3,052 0 0
COSTCO WHOLESALE CORP NEW COMMON STOCK 22160K105 1,816 3,846 SH   SOLE   3,846 0 0
CROWN CASTLE INC COMMON STOCK 22822V101 838 5,800 SH   SOLE   5,800 0 0
CROWN CASTLE INC COMMON STOCK 22822V101 246 1,700 SH   OTR   1,700 0 0
DANAHER CORP COMMON STOCK 235851102 575 2,227 SH   SOLE   2,227 0 0
DEERE & CO COMMON STOCK 244199105 547 1,637 SH   SOLE   1,637 0 0
DIAGEO PLC FOREIGN STOCK 25243Q205 61 360 SH   SOLE   360 0 0
DIAGEO PLC FOREIGN STOCK 25243Q205 204 1,200 SH   OTR   1,200 0 0
DIGITAL REALTY TRUST INC COMMON STOCK 253868103 457 4,608 SH   SOLE   4,608 0 0
DISNEY WALT CO COMMON STOCK 254687106 1,515 16,058 SH   SOLE   16,058 0 0
DOCUSIGN INC COMMON STOCK 256163106 229 4,278 SH   SOLE   4,278 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109 1,047 15,150 SH   SOLE   15,150 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109 69 1,000 SH   OTR   1,000 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204 1,456 15,654 SH   SOLE   15,654 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204 102 1,100 SH   OTR   1,100 0 0
ENBRIDGE INC FOREIGN STOCK 29250N105 1,085 29,250 SH   SOLE   29,250 0 0
EXELON CORP COMMON STOCK 30161N101 370 9,865 SH   SOLE   9,865 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102 2,674 30,629 SH   SOLE   30,629 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102 3,667 42,000 SH   OTR   0 0 42,000
META PLATFORMS INC COMMON STOCK 30303M102 1,947 14,350 SH   SOLE   14,350 0 0
FIRST TRUST LOW MUTUAL FUND/GOV 33739Q200 6,469 136,614 SH   SOLE   136,614 0 0
FIRST TRUST LOW MUTUAL FUND/GOV 33739Q200 44 937 SH   OTR   937 0 0
GALLAGHER ARTHUR J & CO COMMON STOCK 363576109 448 2,614 SH   SOLE   2,614 0 0
GARTNER INC COMMON STOCK 366651107 872 3,153 SH   SOLE   3,153 0 0
GENERAL MILLS INC COMMON STOCK 370334104 322 4,202 SH   SOLE   4,202 0 0
GENERAL MILLS INC COMMON STOCK 370334104 268 3,500 SH   OTR   3,500 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 1,177 19,087 SH   SOLE   19,087 0 0
HOME DEPOT INC COMMON STOCK 437076102 2,560 9,277 SH   SOLE   9,277 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 986 5,903 SH   SOLE   5,903 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 184 1,100 SH   OTR   1,100 0 0
HUNTINGTON BANCSHARES INC COMMON STOCK 446150104 546 41,390 SH   SOLE   41,390 0 0
HUNTINGTON BANCSHARES INC COMMON STOCK 446150104 26 2,000 SH   OTR   2,000 0 0
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109 1,799 9,956 SH   SOLE   9,956 0 0
ILLUMINA INC COMMON STOCK 452327109 373 1,954 SH   SOLE   1,954 0 0
INGERSOLL RAND INC COMMON STOCK 45687V106 232 5,363 SH   SOLE   5,363 0 0
INTEL CORP COMMON STOCK 458140100 322 12,512 SH   SOLE   12,512 0 0
INTERCONTINENTALEXCHANGE GROUP COMMON STOCK 45866F104 537 5,946 SH   SOLE   5,946 0 0
INTERNATIONAL BUSINESS MACHS COMMON STOCK 459200101 590 4,962 SH   SOLE   4,962 0 0
INTUIT COMMON STOCK 461202103 297 766 SH   SOLE   766 0 0
INTUITIVE SURGICAL INC COMMON STOCK 46120E602 447 2,384 SH   SOLE   2,384 0 0
ISHARES GOLD TRUST MUTUAL FUND/STO 464285204 962 30,510 SH   SOLE   30,510 0 0
ISHARES CORE S&P TOTAL US STOCK MUTUAL FUND/STO 464287150 4,866 61,180 SH   SOLE   61,180 0 0
ISHARES CORE S&P 500 (MKT) MUTUAL FUND/STO 464287200 9,368 26,120 SH   SOLE   26,120 0 0
ISHARES CORE S&P 500 (MKT) MUTUAL FUND/STO 464287200 24 67 SH   OTR   67 0 0
ISHARES CORE TOTAL US BOND MUTUAL FUND/COR 464287226 1,931 20,046 SH   SOLE   20,046 0 0
ISHARES MSCI EMERGING MARKETS MUTUAL FUND/STO 464287234 2,291 65,687 SH   SOLE   65,687 0 0
ISHARES MSCI EAFE (MKT) MUTUAL FUNDS GL 464287465 3,704 66,134 SH   SOLE   66,134 0 0
ISHARES MSCI EAFE (MKT) MUTUAL FUNDS GL 464287465 99 1,775 SH   OTR   1,775 0 0
ISHARES RUSSELL MID-CAP (MKT) MUTUAL FUND/STO 464287499 1,626 26,155 SH   SOLE   26,155 0 0
ISHARES CORE S&P MID-CAP (MKT) MUTUAL FUND/STO 464287507 31,214 142,359 SH   SOLE   142,359 0 0
ISHARES CORE S&P MID-CAP (MKT) MUTUAL FUND/STO 464287507 54 248 SH   OTR   248 0 0
ISHARES RUSSELL 1000 VALUE (MKT) MUTUAL FUND/STO 464287598 1,781 13,095 SH   SOLE   13,095 0 0
ISHARES RUSSELL 1000 GROWTH MUTUAL FUND/STO 464287614 4,134 19,649 SH   SOLE   19,649 0 0
ISHARES RUSSELL 2000 (MKT) MUTUAL FUND/STO 464287655 1,347 8,170 SH   SOLE   8,170 0 0
ISHARES US ENERGY (MKT) MUTUAL FUND/STO 464287796 439 11,158 SH   SOLE   11,158 0 0
ISHARES CORE S&P SMALL-CAP (MKT) MUTUAL FUND/STO 464287804 29,943 343,427 SH   SOLE   343,427 0 0
ISHARES CORE S&P SMALL-CAP (MKT) MUTUAL FUND/STO 464287804 266 3,055 SH   OTR   3,055 0 0
ISHARES S&P SMALL-CAP 600 GROWTH MUTUAL FUND/STO 464287887 428 4,211 SH   SOLE   4,211 0 0
ISHARES ST NATIONAL AMTFREE MUTUAL FUNDS/MU 464288158 3,055 29,759 SH   SOLE   29,759 0 0
ISHARES NATIONAL AMT-FREE MUNI MUTUAL FUNDS/MU 464288414 7,215 70,335 SH   SOLE   70,335 0 0
ISHARES NATIONAL AMT-FREE MUNI MUTUAL FUNDS/MU 464288414 3 27 SH   OTR   27 0 0
ISHARES SHORT-TERM MUTUAL FUND/COR 464288646 298 6,055 SH   SOLE   6,055 0 0
ISHARES US PREFERRED STOCK (MKT) PREFERRED STOCK 464288687 393 12,422 SH   SOLE   12,422 0 0
ISHARES MSCI USA MINIMUM MUTUAL FUND/STO 46429B697 331 5,000 SH   SOLE   5,000 0 0
ISHARES CORE MSCI EAFE MUTUAL FUNDS GL 46432F842 10,863 206,245 SH   SOLE   206,245 0 0
ISHARES CORE MSCI EMERGING MUTUAL FUNDS GL 46434G103 8,508 197,961 SH   SOLE   197,961 0 0
ISHARES CORE MSCI EMERGING MUTUAL FUNDS GL 46434G103 21 494 SH   OTR   494 0 0
HDG MSCI EAFE MUTUAL FUND/STO 46434V803 1,420 47,500 SH   SOLE   47,500 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100 1,950 18,656 SH   SOLE   18,656 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100 679 6,500 SH   OTR   6,500 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 2,470 15,122 SH   SOLE   15,122 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 408 2,500 SH   OTR   2,500 0 0
KLA-TENCOR CORP COMMON STOCK 482480100 298 984 SH   SOLE   984 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 574 5,097 SH   SOLE   5,097 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 225 2,000 SH   OTR   2,000 0 0
KROGER CO COMMON STOCK 501044101 602 13,753 SH   SOLE   13,753 0 0
LAM RESEARCH CORP COMMON STOCK 512807108 218 595 SH   SOLE   595 0 0
LENNAR CORP COMMON STOCK 526057104 306 4,101 SH   SOLE   4,101 0 0
ELI LILLY & CO COMMON STOCK 532457108 1,875 5,799 SH   SOLE   5,799 0 0
ELI LILLY & CO COMMON STOCK 532457108 485 1,500 SH   OTR   1,500 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 409 1,060 SH   SOLE   1,060 0 0
LOWES COMPANIES INC COMMON STOCK 548661107 653 3,479 SH   SOLE   3,479 0 0
MSCI INC COMMON STOCK 55354G100 248 589 SH   SOLE   589 0 0
MARATHON PETE CORP COMMON STOCK 56585A102 202 2,035 SH   SOLE   2,035 0 0
MASTERCARD INC COMMON STOCK 57636Q104 1,847 6,494 SH   SOLE   6,494 0 0
MCDONALDS CORP COMMON STOCK 580135101 786 3,408 SH   SOLE   3,408 0 0
MCDONALDS CORP COMMON STOCK 580135101 237 1,025 SH   OTR   1,025 0 0
MERCK & CO INC COMMON STOCK 58933Y105 2,353 27,320 SH   SOLE   27,320 0 0
MERCK & CO INC COMMON STOCK 58933Y105 258 3,000 SH   OTR   3,000 0 0
MICROSOFT CORP COMMON STOCK 594918104 7,283 31,272 SH   SOLE   31,272 0 0
MICROSOFT CORP COMMON STOCK 594918104 105 450 SH   OTR   450 0 0
MICRON TECHNOLOGY INC COMMON STOCK 595112103 952 18,995 SH   SOLE   18,995 0 0
MONDELEZ INTL INC COMMON STOCK 609207105 527 9,610 SH   SOLE   9,610 0 0
MONSTER BEVERAGE CORP COMMON STOCK 61174X109 512 5,892 SH   SOLE   5,892 0 0
MOTOROLA SOLUTIONS INC COMMON STOCK 620076307 283 1,264 SH   SOLE   1,264 0 0
NATIONAL GRID PLC FOREIGN STOCK 636274409 609 11,826 SH   SOLE   11,826 0 0
NATIONAL GRID PLC FOREIGN STOCK 636274409 180 3,500 SH   OTR   3,500 0 0
NETFLIX INC COMMON STOCK 64110L106 583 2,477 SH   SOLE   2,477 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 1,934 24,667 SH   SOLE   24,667 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 314 4,000 SH   OTR   4,000 0 0
NIKE INC COMMON STOCK 654106103 1,202 14,462 SH   SOLE   14,462 0 0
NUCOR CORP COMMON STOCK 670346105 416 3,892 SH   SOLE   3,892 0 0
NVIDIA CORP COMMON STOCK 67066G104 998 8,218 SH   SOLE   8,218 0 0
NVIDIA CORP COMMON STOCK 67066G104 95 785 SH   OTR   785 0 0
ORACLE CORP COMMON STOCK 68389X105 292 4,787 SH   SOLE   4,787 0 0
PNC FINANCIAL SERVICES GROUP COMMON STOCK 693475105 553 3,700 SH   SOLE   3,700 0 0
PPL CORP COMMON STOCK 69351T106 420 16,562 SH   SOLE   16,562 0 0
PPL CORP COMMON STOCK 69351T106 32 1,250 SH   OTR   1,250 0 0
PALO ALTO NETWORKS INC COMMON STOCK 697435105 279 1,701 SH   SOLE   1,701 0 0
PAYPAL HLDGS INC COMMON STOCK 70450Y103 750 8,711 SH   SOLE   8,711 0 0
PEPSICO INC COMMON STOCK 713448108 1,536 9,409 SH   SOLE   9,409 0 0
PEPSICO INC COMMON STOCK 713448108 163 1,000 SH   OTR   1,000 0 0
PFIZER INC COMMON STOCK 717081103 2,251 51,439 SH   SOLE   51,439 0 0
PHILIP MORRIS INTERNATIONAL INC COMMON STOCK 718172109 1,680 20,236 SH   SOLE   20,236 0 0
PHILIP MORRIS INTERNATIONAL INC COMMON STOCK 718172109 158 1,900 SH   OTR   1,900 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 1,935 15,324 SH   SOLE   15,324 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 253 2,000 SH   OTR   2,000 0 0
QUALCOMM INC COMMON STOCK 747525103 312 2,765 SH   SOLE   2,765 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 387 4,728 SH   SOLE   4,728 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 61 750 SH   OTR   750 0 0
REALTY INCOME CORP COMMON STOCK 756109104 318 5,460 SH   SOLE   5,460 0 0
REALTY INCOME CORP COMMON STOCK 756109104 44 750 SH   OTR   750 0 0
S&P GLOBAL INC COMMON STOCK 78409V104 251 822 SH   SOLE   822 0 0
SPDR S&P 500 (MKT) MUTUAL FUND/STO 78462F103 7,803 21,846 SH   SOLE   21,846 0 0
SPDR GOLD SHARES (MKT) MUTUAL FUND/STO 78463V107 832 5,377 SH   SOLE   5,377 0 0
SPDR S&P 600 SMALL CAP MUTUAL FUND/STO 78464A813 608 8,034 SH   SOLE   8,034 0 0
SPDR S&P MIDCAP 400 (MKT) MUTUAL FUND/STO 78467Y107 7,287 18,143 SH   SOLE   18,143 0 0
SALESFORCE COMMON STOCK 79466L302 1,530 10,638 SH   SOLE   10,638 0 0
SANOFI FOREIGN STOCK 80105N105 44 1,158 SH   SOLE   1,158 0 0
SANOFI FOREIGN STOCK 80105N105 190 5,000 SH   OTR   5,000 0 0
SCHWAB CHARLES CORP COMMON STOCK 808513105 749 10,422 SH   SOLE   10,422 0 0
SCHWAB US REIT ETF MUTUAL FUND/STO 808524847 713 38,164 SH   SOLE   38,164 0 0
ENERGY SELECT SECTOR SPDR FUND MUTUAL FUND/STO 81369Y506 1,342 18,637 SH   SOLE   18,637 0 0
FINANCIAL SELECT SECTOR SPDRR MUTUAL FUND/STO 81369Y605 513 16,896 SH   SOLE   16,896 0 0
SERVICENOW INC COM COMMON STOCK 81762P102 838 2,219 SH   SOLE   2,219 0 0
SOUTHERN CO COMMON STOCK 842587107 1,152 16,934 SH   SOLE   16,934 0 0
SOUTHERN CO COMMON STOCK 842587107 272 4,000 SH   OTR   4,000 0 0
SOUTHWEST AIRLINES CO COMMON STOCK 844741108 304 9,847 SH   SOLE   9,847 0 0
STARBUCKS CORP COMMON STOCK 855244109 266 3,151 SH   SOLE   3,151 0 0
SYNCHRONY FINL COMMON STOCK 87165B103 257 9,099 SH   SOLE   9,099 0 0
TAIWAN SEMICONDUCTOR FOREIGN STOCK 874039100 649 9,469 SH   SOLE   9,469 0 0
TC ENERGY CORP COM FOREIGN STOCK 87807B107 365 9,070 SH   SOLE   9,070 0 0
TESLA INC COMMON STOCK 88160R101 1,194 4,503 SH   SOLE   4,503 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 869 5,617 SH   SOLE   5,617 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 619 1,221 SH   SOLE   1,221 0 0
3M CO COMMON STOCK 88579Y101 152 1,376 SH   SOLE   1,376 0 0
3M CO COMMON STOCK 88579Y101 111 1,000 SH   OTR   1,000 0 0
TOTAL S A FOREIGN STOCK 89151E109 775 16,663 SH   SOLE   16,663 0 0
THE TRAVELERS COMPANIES INC COMMON STOCK 89417E109 206 1,344 SH   SOLE   1,344 0 0
TRUIST FINL CORP COMMON STOCK 89832Q109 625 14,347 SH   SOLE   14,347 0 0
US BANCORP DEL COMMON STOCK 902973304 350 8,674 SH   SOLE   8,674 0 0
UNILEVER PLC FOREIGN STOCK 904767704 380 8,676 SH   SOLE   8,676 0 0
UNILEVER PLC FOREIGN STOCK 904767704 44 1,000 SH   OTR   1,000 0 0
UNITED PARCEL SERVICE COMMON STOCK 911312106 400 2,479 SH   SOLE   2,479 0 0
UNITED PARCEL SERVICE COMMON STOCK 911312106 202 1,250 SH   OTR   1,250 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 4,007 7,934 SH   SOLE   7,934 0 0
VALERO ENERGY CORP NEW COMMON STOCK 91913Y100 540 5,050 SH   SOLE   5,050 0 0
VANGUARD TOTAL BOND MARKET ETF MUTUAL FUND/GOV 921937835 3,890 54,540 SH   SOLE   54,540 0 0
VANGUARD FTSE DEVELOPED MARKETS MUTUAL FUND/STO 921943858 2,180 59,947 SH   SOLE   59,947 0 0
VANGUARD EMERGING MARKETS STOCK MUTUAL FUND/STO 922042858 785 21,508 SH   SOLE   21,508 0 0
VANGUARD ENERGY ETF (MKT) MUTUAL FUND/STO 92204A306 2,015 19,832 SH   SOLE   19,832 0 0
VANGUARD INFORMATION TECHNOLOGY MUTUAL FUND/STO 92204A702 294 955 SH   SOLE   955 0 0
VANGUARD SHORT-TERM TREASURY MUTUAL FUND/GOV 92206C102 900 15,571 SH   SOLE   15,571 0 0
VANGUARD SHORT-TERM CORP BD IDX MUTUAL FUND/COR 92206C409 5,192 69,904 SH   SOLE   69,904 0 0
VANGUARD S&P 500 ETF MUTUAL FUND/STO 922908363 25,126 76,534 SH   SOLE   76,534 0 0
VANGUARD S&P 500 ETF MUTUAL FUND/STO 922908363 121 369 SH   OTR   369 0 0
VANGUARD MID-CAP VALUE ETF (MKT) MUTUAL FUND/STO 922908512 1,438 11,811 SH   SOLE   11,811 0 0
VANGUARD REAL ESTATE ETF MUTUAL FUND/STO 922908553 4,128 51,491 SH   SOLE   51,491 0 0
VANGUARD REAL ESTATE ETF MUTUAL FUND/STO 922908553 413 5,150 SH   OTR   5,150 0 0
VANGUARD SMALL CAP VALUE ETF MUTUAL FUND/STO 922908611 1,484 10,346 SH   SOLE   10,346 0 0
VANGUARD MID-CAP ETF (MKT) MUTUAL FUND/STO 922908629 3,582 19,057 SH   SOLE   19,057 0 0
VANGUARD VALUE INDEX MUTUAL FUND/STO 922908744 5,538 44,853 SH   SOLE   44,853 0 0
VANGUARD SMALL CAP ETF (MKT) MUTUAL FUND/STO 922908751 3,287 19,235 SH   SOLE   19,235 0 0
VANGUARD TOTAL STOCK MARKET ETF MUTUAL FUND/STO 922908769 685 3,815 SH   SOLE   3,815 0 0
VERIZON COMMUNICATIONS INC COMMON STOCK 92343V104 1,439 37,902 SH   SOLE   37,902 0 0
VERIZON COMMUNICATIONS INC COMMON STOCK 92343V104 247 6,500 SH   OTR   6,500 0 0
VISA INC COMMON STOCK 92826C839 2,797 15,746 SH   SOLE   15,746 0 0
VODAFONE GROUP PLC FOREIGN STOCK 92857W308 655 57,794 SH   SOLE   57,794 0 0
VODAFONE GROUP PLC FOREIGN STOCK 92857W308 52 4,600 SH   OTR   4,600 0 0
VOYA FINL INC COMMON STOCK 929089100 534 8,832 SH   SOLE   8,832 0 0
WALMART INC COMMON STOCK 931142103 861 6,642 SH   SOLE   6,642 0 0
WALGREENS BOOTS ALLIANCE INC COMMON STOCK 931427108 349 11,125 SH   SOLE   11,125 0 0
WELLS FARGO & CO COMMON STOCK 949746101 337 8,370 SH   SOLE   8,370 0 0
WILLIAMS COMPANIES INC COMMON STOCK 969457100 686 23,944 SH   SOLE   23,944 0 0
YUM! BRANDS INC COMMON STOCK 988498101 497 4,678 SH   SOLE   4,678 0 0
ZOETIS INC COMMON STOCK 98978V103 1,001 6,747 SH   SOLE   6,747 0 0
ACCENTURE PLC FOREIGN STOCK G1151C101 2,257 8,772 SH   SOLE   8,772 0 0
EATON CORP PLC FOREIGN STOCK G29183103 1,058 7,935 SH   SOLE   7,935 0 0
MEDTRONIC PLC FOREIGN STOCK G5960L103 220 2,730 SH   SOLE   2,730 0 0
TRANE TECHNOLOGIES PLC FOREIGN STOCK G8994E103 1,010 6,974 SH   SOLE   6,974 0 0