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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
EATON CORP PLC SHS G29183103   273,010 1,134 SH   SOLE   1,134 0 0
LINDE PLC SHS G54950103   255,286 623 SH   SOLE   623 0 0
AT&T INC COM 00206R102   393,875 23,529 SH   SOLE   16,733 0 6,796
AT&T INC COM 00206R102   18,414 1,100 SH   OTR   1,100 0 0
ABBOTT LABS COM 002824100   406,824 3,685 SH   SOLE   3,685 0 0
ABBVIE INC COM 00287Y109   500,461 3,234 SH   SOLE   3,234 0 0
ALPHABET INC CAP STK CL C 02079K107   487,133 3,448 SH   SOLE   3,448 0 0
ALPHABET INC CAP STK CL A 02079K305   471,172 3,360 SH   SOLE   3,360 0 0
AMAZON COM INC COM 023135106   606,924 3,957 SH   SOLE   3,957 0 0
AMAZON COM INC COM 023135106   30,676 200 SH   OTR   200 0 0
AMERICAN EXPRESS CO COM 025816109   446,776 2,379 SH   SOLE   2,379 0 0
AMGEN INC COM 031162100   428,651 1,486 SH   SOLE   1,486 0 0
APPLE INC COM 037833100   6,599,335 34,091 SH   SOLE   34,091 0 0
APPLE INC COM 037833100   19,358 100 SH   OTR   100 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   423,364 1,821 SH   SOLE   1,821 0 0
BECTON DICKINSON & CO COM 075887109   232,093 955 SH   SOLE   955 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   914,664 2,558 SH   SOLE   2,558 0 0
BOEING CO COM 097023105   724,033 2,781 SH   SOLE   2,781 0 0
BOOZ ALLEN HAMILTON HLDG COR CL A 099502106   750,439 5,902 SH   SOLE   5,902 0 0
BROADCOM INC COM 11135F101   200,911 179 SH   SOLE   179 0 0
CARRIER GLOBAL CORPORATION COM 14448C104   364,976 6,332 SH   SOLE   6,332 0 0
CATERPILLAR INC COM 149123101   4,343,354 14,630 SH   SOLE   14,630 0 0
CHEVRON CORP NEW COM 166764100   492,743 3,290 SH   SOLE   3,290 0 0
CISCO SYS INC COM 17275R102   503,083 9,966 SH   SOLE   9,966 0 0
COCA COLA CO COM 191216100   441,800 7,520 SH   SOLE   7,520 0 0
COMCAST CORP NEW CL A 20030N101   402,639 9,126 SH   SOLE   7,120 0 2,006
CONOCOPHILLIPS COM 20825C104   517,609 4,443 SH   SOLE   4,443 0 0
COSTCO WHSL CORP NEW COM 22160K105   783,121 1,181 SH   SOLE   1,181 0 0
DANAHER CORPORATION COM 235851102   1,571,296 6,740 SH   SOLE   6,740 0 0
DEERE & CO COM 244199105   209,212 524 SH   SOLE   524 0 0
DOMINION ENERGY INC COM 25746U109   244,712 5,200 SH   SOLE   5,200 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204   469,965 4,849 SH   SOLE   4,849 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204   29,076 300 SH   OTR   300 0 0
ENTERPRISE PRODS PARTNERS L COM 293792107   410,291 15,654 SH   SOLE   15,654 0 0
EXXON MOBIL CORP COM 30231G102   1,294,454 12,920 SH   SOLE   12,920 0 0
FORTINET INC COM 34959E109   206,415 3,475 SH   SOLE   3,475 0 0
FORTIVE CORP COM 34959J108   241,048 3,276 SH   SOLE   3,276 0 0
GENERAL ELECTRIC CO COM NEW 369604301   407,929 3,179 SH   SOLE   3,179 0 0
GENERAL MLS INC COM 370334104   287,557 4,426 SH   SOLE   4,426 0 0
HERSHEY CO COM 427866108   294,391 1,599 SH   SOLE   1,599 0 0
HOME DEPOT INC COM 437076102   997,965 2,873 SH   SOLE   2,873 0 0
HONEYWELL INTL INC COM 438516106   974,941 4,661 SH   SOLE   4,661 0 0
INTEL CORP COM 458140100   310,100 6,154 SH   SOLE   6,154 0 0
INTEL CORP COM 458140100   80,624 1,600 SH   OTR   1,600 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   4,925,927 30,082 SH   SOLE   30,007 0 75
INVESCO QQQ TR UNIT SER 1 46090E103   239,376 582 SH   SOLE   582 0 0
INTUIT COM 461202103   222,319 354 SH   SOLE   354 0 0
ISHARES TR CORE S&P500 ETF 464287200   483,311 1,009 SH   SOLE   1,009 0 0
ISHARES TR CORE US AGGBD ET 464287226   556,376,445 5,595,097 SH   SOLE   5,593,714 134 1,249
ISHARES TR CORE US AGGBD ET 464287226   188,339 1,894 SH   OTR   1,894 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   288,247 7,165 SH   SOLE   7,165 0 0
ISHARES TR IBOXX INV CP ETF 464287242   285,205,434 2,567,799 SH   SOLE   2,567,566 41 192
ISHARES TR IBOXX INV CP ETF 464287242   38,430 346 SH   OTR   346 0 0
ISHARES TR 7-10 YR TRSY BD 464287440   319,287,551 3,304,228 SH   SOLE   3,303,479 123 626
ISHARES TR 7-10 YR TRSY BD 464287440   108,998 1,128 SH   OTR   1,128 0 0
ISHARES TR 1 3 YR TREAS BD 464287457   62,378,466 760,713 SH   SOLE   760,085 0 628
ISHARES TR 1 3 YR TREAS BD 464287457   21,648 264 SH   OTR   264 0 0
ISHARES TR MSCI EAFE ETF 464287465   1,454,216 19,320 SH   SOLE   18,770 0 550
ISHARES TR CORE S&P MCP ETF 464287507   196,341,640 701,596 SH   SOLE   701,164 295 137
ISHARES TR CORE S&P MCP ETF 464287507   57,089 204 SH   OTR   204 0 0
ISHARES TR RUS 1000 VAL ETF 464287598   506,544 3,057 SH   SOLE   3,057 0 0
ISHARES TR RUS 1000 ETF 464287622   748,192 2,843 SH   SOLE   2,843 0 0
ISHARES TR RUS 2000 GRW ETF 464287648   230,652 900 SH   SOLE   900 0 0
ISHARES TR RUSSELL 3000 ETF 464287689   267,939 975 SH   SOLE   975 0 0
ISHARES TR S&P MC 400VL ETF 464287705   3,454,754 29,997 SH   SOLE   29,997 0 0
ISHARES TR CORE S&P SCP ETF 464287804   195,035,737 1,777,091 SH   SOLE   1,776,115 660 316
ISHARES TR CORE S&P SCP ETF 464287804   57,289 522 SH   OTR   522 0 0
ISHARES TR DOW JONES US ETF 464287846   331,939 2,840 SH   SOLE   2,840 0 0
ISHARES TR SHRT NAT MUN ETF 464288158   16,239,715 154,077 SH   SOLE   151,925 1,826 326
ISHARES TR NATIONAL MUN ETF 464288414   883,976 8,148 SH   SOLE   8,148 0 0
ISHARES TR MSCI KLD400 SOC 464288570   491,767 5,391 SH   SOLE   5,391 0 0
ISHARES TR ISHS 1-5YR INVS 464288646   105,941,847 2,067,158 SH   SOLE   2,066,960 0 198
ISHARES TR ISHS 1-5YR INVS 464288646   18,347 358 SH   OTR   358 0 0
ISHARES TR 3 7 YR TREAS BD 464288661   415,332 3,545 SH   SOLE   3,545 0 0
ISHARES TR MSCI USA ESG SLC 464288802   707,129 7,011 SH   SOLE   7,011 0 0
ISHARES TR CORE MSCI EAFE 46432F842   262,807,385 3,736,775 SH   SOLE   3,734,692 1,382 701
ISHARES TR CORE MSCI EAFE 46432F842   72,228 1,027 SH   OTR   1,027 0 0
ISHARES INC CORE MSCI EMKT 46434G103   216,528,477 4,285,147 SH   SOLE   4,282,440 1,707 1,000
ISHARES INC CORE MSCI EMKT 46434G103   62,556 1,238 SH   OTR   1,238 0 0
ISHARES TR ESG AWARE MSCI 46435U663   207,229 5,377 SH   SOLE   5,377 0 0
JPMORGAN CHASE & CO COM 46625H100   1,534,913 9,013 SH   SOLE   9,013 0 0
JOHNSON & JOHNSON COM 478160104   1,417,831 9,055 SH   SOLE   9,055 0 0
LOCKHEED MARTIN CORP COM 539830109   206,663 458 SH   SOLE   458 0 0
LOWES COS INC COM 548661107   217,996 978 SH   SOLE   978 0 0
MCDONALDS CORP COM 580135101   1,382,756 4,674 SH   SOLE   4,674 0 0
MCDONALDS CORP COM 580135101   59,168 200 SH   OTR   200 0 0
MERCK & CO INC COM 58933Y105   584,856 5,377 SH   SOLE   5,377 0 0
MERCK & CO INC COM 58933Y105   43,508 400 SH   OTR   400 0 0
MICROSOFT CORP COM 594918104   9,102,416 24,255 SH   SOLE   24,255 0 0
MICROSOFT CORP COM 594918104   18,764 50 SH   OTR   50 0 0
NEXTERA ENERGY INC COM 65339F101   502,011 8,227 SH   SOLE   8,227 0 0
NIKE INC CL B 654106103   210,784 1,937 SH   SOLE   1,937 0 0
NORFOLK SOUTHN CORP COM 655844108   374,663 1,584 SH   SOLE   1,584 0 0
NVIDIA CORPORATION COM 67066G104   433,812 876 SH   SOLE   876 0 0
NVIDIA CORPORATION COM 67066G104   12,380 25 SH   OTR   25 0 0
ORACLE CORP COM 68389X105   428,718 4,035 SH   SOLE   4,035 0 0
OTIS WORLDWIDE CORP COM 68902V107   307,837 3,433 SH   SOLE   3,433 0 0
PPG INDS INC COM 693506107   370,385 2,463 SH   SOLE   2,463 0 0
PEPSICO INC COM 713448108   1,048,015 6,187 SH   SOLE   6,187 0 0
PEPSICO INC COM 713448108   33,878 200 SH   OTR   200 0 0
PFIZER INC COM 717081103   666,833 23,162 SH   SOLE   23,162 0 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   1,270,615 12,738 SH   SOLE   12,738 0 0
PROCTER AND GAMBLE CO COM 742718109   952,054 6,533 SH   SOLE   6,533 0 0
QUALCOMM INC COM 747525103   290,115 1,989 SH   SOLE   1,989 0 0
RTX CORPORATION COM 75513E101   261,095 3,102 SH   SOLE   3,102 0 0
S&P GLOBAL INC COM 78409V104   998,116 2,259 SH   SOLE   2,259 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   443,662,056 930,714 SH   SOLE   929,828 366 520
SPDR S&P 500 ETF TR TR UNIT 78462F103   127,276 267 SH   OTR   267 0 0
SPDR GOLD TR GOLD SHS 78463V107   663,443 3,465 SH   SOLE   3,465 0 0
SPDR SER TR PORTFOLIO SHORT 78464A474   1,067,462 35,857 SH   SOLE   35,857 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   264,265 4,669 SH   SOLE   4,669 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   381,159 4,573 SH   SOLE   4,573 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   326,139 5,251 SH   SOLE   5,251 0 0
SOUTHERN CO COM 842587107   704,897 10,047 SH   SOLE   10,047 0 0
SOUTHERN CO COM 842587107   21,048 300 SH   OTR   300 0 0
STARBUCKS CORP COM 855244109   921,791 9,609 SH   SOLE   9,609 0 0
TARGET CORP COM 87612E106   389,989 2,736 SH   SOLE   2,736 0 0
3M CO COM 88579Y101   396,748 3,617 SH   SOLE   3,617 0 0
UNION PAC CORP COM 907818108   494,008 2,008 SH   SOLE   2,008 0 0
UNITEDHEALTH GROUP INC COM 91324P102   569,516 1,085 SH   SOLE   1,085 0 0
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505   217,152 799 SH   SOLE   799 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   305,295 2,730 SH   SOLE   2,730 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702   308,138 633 SH   SOLE   633 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   48,094,420 621,857 SH   SOLE   621,857 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   158,267,238 1,943,360 SH   SOLE   1,943,360 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   134,702,764 2,638,127 SH   SOLE   2,629,170 2,892 6,065
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   794,915 1,815 SH   SOLE   1,815 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595   24,339,742 99,277 SH   SOLE   99,216 18 43
VANGUARD INDEX FDS SML CP GRW ETF 922908595   4,658 19 SH   OTR   19 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637   377,947 1,725 SH   SOLE   1,725 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   19,892,396 63,725 SH   SOLE   63,691 11 23
VANGUARD INDEX FDS GROWTH ETF 922908736   3,121 10 SH   OTR   10 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   373,468,749 2,492,783 SH   SOLE   2,491,481 807 495
VANGUARD INDEX FDS VALUE ETF 922908744   98,731 659 SH   OTR   659 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   688,433 2,891 SH   SOLE   2,891 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   555,376 14,814 SH   SOLE   12,440 0 2,374
VERIZON COMMUNICATIONS INC COM 92343V104   29,317 782 SH   OTR   782 0 0
WALMART INC COM 931142103   772,565 4,903 SH   SOLE   4,903 0 0
WELLS FARGO CO NEW COM 949746101   584,408 11,811 SH   SOLE   11,811 0 0
XYLEM INC COM 98419M100   328,098 2,870 SH   SOLE   2,770 0 100