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
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   1,986,093 6,949 SH   SOLE   6,449 0 500
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   142,905 500 SH   OTR   500 0 0
LINDE PLC SHS G54950103   633,394 1,782 SH   SOLE   1,782 0 0
ASML HOLDING N V N Y REGISTRY SHS N07059210   243,694 358 SH   SOLE   358 0 0
AFLAC INC COM 001055102   378,216 5,862 SH   SOLE   5,862 0 0
AFLAC INC COM 001055102   29,356 455 SH   OTR   455 0 0
AT&T INC COM 00206R102   495,706 25,751 SH   SOLE   24,295 0 1,456
AT&T INC COM 00206R102   68,530 3,560 SH   OTR   3,560 0 0
ABBOTT LABS COM 002824100   926,934 9,154 SH   SOLE   9,134 0 20
ABBOTT LABS COM 002824100   48,098 475 SH   OTR   475 0 0
ABBVIE INC COM 00287Y109   2,184,643 13,708 SH   SOLE   13,708 0 0
ABBVIE INC COM 00287Y109   107,415 674 SH   OTR   674 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101   497,512 1,291 SH   SOLE   1,291 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101   19,268 50 SH   OTR   50 0 0
AGILENT TECHNOLOGIES INC COM 00846U101   357,608 2,585 SH   SOLE   2,585 0 0
AIR PRODS & CHEMS INC COM 009158106   547,996 1,908 SH   SOLE   1,908 0 0
AIR PRODS & CHEMS INC COM 009158106   25,274 88 SH   OTR   88 0 0
ALLIANT ENERGY CORP COM 018802108   217,872 4,080 SH   SOLE   4,080 0 0
ALLIANT ENERGY CORP COM 018802108   16,020 300 SH   OTR   300 0 0
ALLSTATE CORP COM 020002101   228,379 2,061 SH   SOLE   1,986 0 75
ALPHABET INC CAP STK CL C 02079K107   235,144 2,261 SH   SOLE   2,261 0 0
ALPHABET INC CAP STK CL A 02079K305   3,168,744 30,548 SH   SOLE   30,548 0 0
ALPHABET INC CAP STK CL A 02079K305   114,103 1,100 SH   OTR   1,100 0 0
AMAZON COM INC COM 023135106   2,302,437 22,291 SH   SOLE   22,291 0 0
AMAZON COM INC COM 023135106   41,316 400 SH   OTR   400 0 0
AMERICAN EXPRESS CO COM 025816109   1,252,795 7,595 SH   SOLE   7,595 0 0
AMERIPRISE FINL INC COM 03076C106   289,642 945 SH   SOLE   945 0 0
AMERIPRISE FINL INC COM 03076C106   12,260 40 SH   OTR   40 0 0
AMGEN INC COM 031162100   924,693 3,825 SH   SOLE   3,525 0 300
AMGEN INC COM 031162100   102,743 425 SH   OTR   425 0 0
ANR INC RT 03634H118   30 15,154 SH   SOLE   15,154 0 0
APPLE INC COM 037833100   8,484,599 51,453 SH   SOLE   51,453 0 0
APPLE INC COM 037833100   225,913 1,370 SH   OTR   1,370 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   160,293 720 SH   SOLE   720 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   77,920 350 SH   OTR   350 0 0
AUTONATION INC COM 05329W102   347,723 2,588 SH   SOLE   2,588 0 0
AUTONATION INC COM 05329W102   15,048 112 SH   OTR   112 0 0
AUTOZONE INC COM 053332102   378,555 154 SH   SOLE   154 0 0
AUTOZONE INC COM 053332102   19,665 8 SH   OTR   8 0 0
BANK AMERICA CORP COM 060505104   810,295 28,332 SH   SOLE   27,932 0 400
BANK AMERICA CORP COM 060505104   36,465 1,275 SH   OTR   1,275 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,788,087 5,791 SH   SOLE   5,791 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   278,819 903 SH   OTR   903 0 0
BLACKROCK INC COM 09247X101   912,679 1,364 SH   SOLE   1,364 0 0
BLACKROCK INC COM 09247X101   56,206 84 SH   OTR   84 0 0
BLACKSTONE INC COM 09260D107   251,398 2,862 SH   SOLE   2,862 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   1,311,794 18,926 SH   SOLE   18,276 0 650
BRISTOL-MYERS SQUIBB CO COM 110122108   148,323 2,140 SH   OTR   2,140 0 0
BROADCOM INC COM 11135F101   1,250,361 1,949 SH   SOLE   1,924 0 25
CME GROUP INC COM 12572Q105   177,156 925 SH   SOLE   925 0 0
CME GROUP INC COM 12572Q105   43,092 225 SH   OTR   225 0 0
CVS HEALTH CORP COM 126650100   708,545 9,535 SH   SOLE   9,535 0 0
CVS HEALTH CORP COM 126650100   18,280 246 SH   OTR   246 0 0
CHEVRON CORP NEW COM 166764100   2,946,343 18,058 SH   SOLE   17,740 0 318
CHEVRON CORP NEW COM 166764100   88,922 545 SH   OTR   545 0 0
CISCO SYS INC COM 17275R102   946,092 18,098 SH   SOLE   16,013 0 2,085
CISCO SYS INC COM 17275R102   104,027 1,990 SH   OTR   1,990 0 0
CINTAS CORP COM 172908105   279,921 605 SH   SOLE   605 0 0
COCA COLA CO COM 191216100   1,142,282 18,415 SH   SOLE   18,265 0 150
COCA COLA CO COM 191216100   43,421 700 SH   OTR   700 0 0
COLGATE PALMOLIVE CO COM 194162103   373,345 4,968 SH   SOLE   4,968 0 0
COLGATE PALMOLIVE CO COM 194162103   33,817 450 SH   OTR   450 0 0
COMCAST CORP NEW CL A 20030N101   337,702 8,908 SH   SOLE   8,908 0 0
COMCAST CORP NEW CL A 20030N101   9,932 262 SH   OTR   262 0 0
CONOCOPHILLIPS COM 20825C104   615,598 6,205 SH   SOLE   6,205 0 0
CORTEVA INC COM 22052L104   586,213 9,720 SH   SOLE   9,720 0 0
CROWN CASTLE INC COM 22822V101   263,263 1,967 SH   SOLE   1,967 0 0
CROWN CASTLE INC COM 22822V101   18,068 135 SH   OTR   135 0 0
DBX ETF TR XTRACK MSCI EAFE 233051200   1,397,862 39,712 SH   SOLE   39,437 275 0
DBX ETF TR XTRACK MSCI EAFE 233051200   5,456 155 SH   OTR   155 0 0
DISNEY WALT CO COM 254687106   1,079,000 10,776 SH   SOLE   10,764 0 12
DISNEY WALT CO COM 254687106   10,013 100 SH   OTR   100 0 0
DOMINION ENERGY INC COM 25746U109   577,294 10,325 SH   SOLE   9,400 0 925
DOMINION ENERGY INC COM 25746U109   21,525 385 SH   OTR   385 0 0
DOVER CORP COM 260003108   276,682 1,821 SH   SOLE   1,821 0 0
DOW INC COM 260557103   339,774 6,198 SH   SOLE   6,198 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204   218,215 2,262 SH   SOLE   1,662 0 600
DUPONT DE NEMOURS INC COM 26614N102   337,749 4,706 SH   SOLE   4,706 0 0
EMERSON ELEC CO COM 291011104   261,071 2,996 SH   SOLE   2,896 0 100
EXXON MOBIL CORP COM 30231G102   1,164,078 10,615 SH   SOLE   10,415 0 200
EXXON MOBIL CORP COM 30231G102   297,178 2,710 SH   OTR   2,710 0 0
META PLATFORMS INC CL A 30303M102   1,177,962 5,558 SH   SOLE   5,558 0 0
META PLATFORMS INC CL A 30303M102   16,955 80 SH   OTR   80 0 0
FISERV INC COM 337738108   608,101 5,380 SH   SOLE   5,380 0 0
FISERV INC COM 337738108   12,433 110 SH   OTR   110 0 0
FLEXSHARES TR IBOXX 5YR TRGT 33939L605   2,565,866 104,772 SH   SOLE   103,947 825 0
FLEXSHARES TR IBOXX 5YR TRGT 33939L605   24,367 995 SH   OTR   995 0 0
GENERAL DYNAMICS CORP COM 369550108   631,000 2,765 SH   SOLE   2,365 0 400
GENERAL DYNAMICS CORP COM 369550108   298,270 1,307 SH   OTR   1,307 0 0
GILEAD SCIENCES INC COM 375558103   394,605 4,756 SH   SOLE   4,756 0 0
HESS CORP COM 42809H107   242,711 1,834 SH   SOLE   1,834 0 0
HOME DEPOT INC COM 437076102   1,911,492 6,477 SH   SOLE   5,947 0 530
HOME DEPOT INC COM 437076102   312,827 1,060 SH   OTR   1,060 0 0
HONEYWELL INTL INC COM 438516106   980,254 5,129 SH   SOLE   5,129 0 0
HONEYWELL INTL INC COM 438516106   28,668 150 SH   OTR   150 0 0
ILLINOIS TOOL WKS INC COM 452308109   363,227 1,492 SH   SOLE   732 0 760
ILLINOIS TOOL WKS INC COM 452308109   174,066 715 SH   OTR   715 0 0
INTEL CORP COM 458140100   223,397 6,838 SH   SOLE   6,838 0 0
INTEL CORP COM 458140100   13,068 400 SH   OTR   400 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104   470,243 4,509 SH   SOLE   4,509 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   327,593 2,499 SH   SOLE   2,499 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   43,915 335 SH   OTR   335 0 0
INTUIT COM 461202103   267,052 599 SH   SOLE   599 0 0
ISHARES TR CORE US AGGBD ET 464287226   12,777,933 128,241 SH   SOLE   128,091 150 0
ISHARES TR CORE US AGGBD ET 464287226   258,565 2,595 SH   OTR   2,595 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   769,114 19,491 SH   SOLE   19,491 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   22,689 575 SH   OTR   575 0 0
ISHARES TR IBOXX INV CP ETF 464287242   6,231,218 56,849 SH   SOLE   56,674 175 0
ISHARES TR IBOXX INV CP ETF 464287242   117,282 1,070 SH   OTR   1,070 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   303,158 4,745 SH   SOLE   4,745 0 0
ISHARES TR S&P 500 VAL ETF 464287408   351,324 2,315 SH   SOLE   2,315 0 0
ISHARES TR MSCI EAFE ETF 464287465   5,071,340 70,908 SH   SOLE   70,688 110 110
ISHARES TR MSCI EAFE ETF 464287465   283,505 3,964 SH   OTR   3,964 0 0
ISHARES TR RUS MID CAP ETF 464287499   4,419,922 63,214 SH   SOLE   63,106 60 48
ISHARES TR RUS MID CAP ETF 464287499   155,152 2,219 SH   OTR   2,219 0 0
ISHARES TR US CONSUM DISCRE 464287580   202,932 3,137 SH   SOLE   3,137 0 0
ISHARES TR US CONSUM DISCRE 464287580   131,320 2,030 SH   OTR   2,030 0 0
ISHARES TR RUS 1000 ETF 464287622   275,906 1,225 SH   SOLE   1,225 0 0
ISHARES TR RUS 1000 ETF 464287622   108,786 483 SH   OTR   483 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   2,558,969 14,344 SH   SOLE   14,324 0 20
ISHARES TR RUSSELL 2000 ETF 464287655   156,100 875 SH   OTR   875 0 0
ISHARES TR RUSSELL 3000 ETF 464287689   4,164,402 17,690 SH   SOLE   17,690 0 0
ISHARES TR RUSSELL 3000 ETF 464287689   679,393 2,886 SH   OTR   2,886 0 0
ISHARES TR U.S. TECH ETF 464287721   320,936 3,458 SH   SOLE   3,458 0 0
ISHARES TR U.S. TECH ETF 464287721   111,372 1,200 SH   OTR   1,200 0 0
ISHARES TR US INDUSTRIALS 464287754   220,752 2,204 SH   SOLE   2,204 0 0
ISHARES TR US INDUSTRIALS 464287754   37,159 371 SH   OTR   371 0 0
ISHARES TR U.S. FINLS ETF 464287788   761,198 10,700 SH   SOLE   10,700 0 0
ISHARES TR U.S. FINLS ETF 464287788   77,969 1,096 SH   OTR   1,096 0 0
ISHARES TR SHRT NAT MUN ETF 464288158   650,586 6,215 SH   SOLE   6,215 0 0
ISHARES TR IBOXX HI YD ETF 464288513   557,785 7,383 SH   SOLE   7,383 0 0
ISHARES TR IBOXX HI YD ETF 464288513   27,953 370 SH   OTR   370 0 0
ISHARES TR MBS ETF 464288588   244,592 2,582 SH   SOLE   2,582 0 0
ISHARES TR BROAD USD HIGH 46435U853   3,750,951 105,512 SH   SOLE   105,372 140 0
ISHARES TR BROAD USD HIGH 46435U853   206,190 5,800 SH   OTR   5,800 0 0
JPMORGAN CHASE & CO COM 46625H100   1,565,023 12,010 SH   SOLE   11,913 0 97
JPMORGAN CHASE & CO COM 46625H100   116,888 897 SH   OTR   897 0 0
JOHNSON & JOHNSON COM 478160104   1,364,155 8,801 SH   SOLE   8,801 0 0
JOHNSON & JOHNSON COM 478160104   51,925 335 SH   OTR   335 0 0
KIMBERLY-CLARK CORP COM 494368103   67,378 502 SH   SOLE   502 0 0
KIMBERLY-CLARK CORP COM 494368103   187,908 1,400 SH   OTR   1,400 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109   962,164 4,903 SH   SOLE   4,903 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109   86,345 440 SH   OTR   440 0 0
LABORATORY CORP AMER HLDGS COM NEW 50540R409   299,851 1,307 SH   SOLE   1,307 0 0
LABORATORY CORP AMER HLDGS COM NEW 50540R409   11,012 48 SH   OTR   48 0 0
LILLY ELI & CO COM 532457108   1,531,309 4,459 SH   SOLE   4,459 0 0
LILLY ELI & CO COM 532457108   103,026 300 SH   OTR   300 0 0
LOWES COS INC COM 548661107   537,919 2,690 SH   SOLE   2,690 0 0
MARATHON PETE CORP COM 56585A102   473,253 3,510 SH   SOLE   3,510 0 0
MARATHON PETE CORP COM 56585A102   26,966 200 SH   OTR   200 0 0
MASTERCARD INCORPORATED CL A 57636Q104   924,151 2,543 SH   SOLE   2,543 0 0
MCDONALDS CORP COM 580135101   3,212,998 11,491 SH   SOLE   11,451 0 40
MCDONALDS CORP COM 580135101   41,941 150 SH   OTR   150 0 0
MERCK & CO INC COM 58933Y105   1,674,365 15,738 SH   SOLE   15,638 0 100
MERCK & CO INC COM 58933Y105   42,556 400 SH   OTR   400 0 0
MICROSOFT CORP COM 594918104   8,356,869 28,986 SH   SOLE   28,431 0 555
MICROSOFT CORP COM 594918104   778,410 2,700 SH   OTR   2,700 0 0
MONDELEZ INTL INC CL A 609207105   715,187 10,258 SH   SOLE   10,108 0 150
MORGAN STANLEY COM NEW 617446448   1,389,435 15,825 SH   SOLE   15,675 0 150
MORGAN STANLEY COM NEW 617446448   36,876 420 SH   OTR   420 0 0
NEXTERA ENERGY INC COM 65339F101   1,981,726 25,710 SH   SOLE   25,110 0 600
NEXTERA ENERGY INC COM 65339F101   378,462 4,910 SH   OTR   4,910 0 0
NORFOLK SOUTHN CORP COM 655844108   716,984 3,382 SH   SOLE   2,432 0 950
NUVEEN VIRGINIA QLTY MUNCPL COM 67064R102   120,828 10,599 SH   SOLE   8,599 0 2,000
NVIDIA CORPORATION COM 67066G104   3,883,780 13,982 SH   SOLE   13,982 0 0
NVIDIA CORPORATION COM 67066G104   49,998 180 SH   OTR   180 0 0
ORACLE CORP COM 68389X105   1,280,065 13,776 SH   SOLE   12,776 0 1,000
ORACLE CORP COM 68389X105   197,455 2,125 SH   OTR   2,125 0 0
PEPSICO INC COM 713448108   778,128 4,268 SH   SOLE   4,268 0 0
PEPSICO INC COM 713448108   377,178 2,069 SH   OTR   2,069 0 0
PFIZER INC COM 717081103   449,575 11,019 SH   SOLE   10,819 0 200
PFIZER INC COM 717081103   64,953 1,592 SH   OTR   1,592 0 0
PHILIP MORRIS INTL INC COM 718172109   462,521 4,756 SH   SOLE   4,756 0 0
PROCTER AND GAMBLE CO COM 742718109   2,323,845 15,628 SH   SOLE   15,255 0 373
PROCTER AND GAMBLE CO COM 742718109   141,255 950 SH   OTR   950 0 0
PROLOGIS INC. COM 74340W103   1,157,740 9,279 SH   SOLE   9,279 0 0
PROLOGIS INC. COM 74340W103   12,477 100 SH   OTR   100 0 0
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   253,047 4,052 SH   SOLE   4,052 0 0
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   7,806 125 SH   OTR   125 0 0
PUBLIC STORAGE COM 74460D109   419,068 1,387 SH   SOLE   1,387 0 0
PUBLIC STORAGE COM 74460D109   7,553 25 SH   OTR   25 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   3,164,584 7,730 SH   SOLE   7,730 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   145,742 356 SH   OTR   356 0 0
SPDR GOLD TR GOLD SHS 78463V107   482,235 2,632 SH   SOLE   2,632 0 0
SPDR SER TR PORT MTG BK ETF 78464A383   6,208,425 279,911 SH   SOLE   279,516 395 0
SPDR SER TR PORT MTG BK ETF 78464A383   205,165 9,250 SH   OTR   9,250 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   3,040,389 63,540 SH   SOLE   63,540 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   2,209,849 33,909 SH   SOLE   33,279 630 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   35,191 540 SH   OTR   540 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   1,130,599 17,240 SH   SOLE   16,585 655 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   43,282 660 SH   OTR   660 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   1,668,431 24,590 SH   SOLE   24,590 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   4,749 70 SH   OTR   70 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   3,273,223 78,064 SH   SOLE   77,974 90 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   9,434 225 SH   OTR   225 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   1,488,903 60,722 SH   SOLE   60,652 70 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   38,128 1,555 SH   OTR   1,555 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   3,475,538 47,506 SH   SOLE   47,506 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   13,534 185 SH   OTR   185 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   7,083,157 203,539 SH   SOLE   202,464 0 1,075
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   3,132 90 SH   OTR   90 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   3,222,810 68,702 SH   SOLE   68,702 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   1,017,364 12,613 SH   SOLE   12,613 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   13,712 170 SH   OTR   170 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   2,642,149 20,409 SH   SOLE   20,409 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   26,539 205 SH   OTR   205 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   1,512,130 20,240 SH   SOLE   20,240 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   14,942 200 SH   OTR   200 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   1,926,822 12,885 SH   SOLE   12,885 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   25,421 170 SH   OTR   170 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   1,106,360 13,357 SH   SOLE   13,357 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   18,056 218 SH   OTR   218 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   1,857,723 57,783 SH   SOLE   57,783 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   18,486 575 SH   OTR   575 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704   1,629,605 16,106 SH   SOLE   16,106 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704   7,082 70 SH   OTR   70 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   6,073,924 40,222 SH   SOLE   40,047 0 175
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   59,648 395 SH   OTR   395 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   1,797,823 31,013 SH   SOLE   31,013 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   14,492 250 SH   OTR   250 0 0
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   305,132 8,163 SH   SOLE   8,163 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   674,395 9,963 SH   SOLE   9,963 0 0
SEMPRA COM 816851109   287,657 1,903 SH   SOLE   1,903 0 0
SEMPRA COM 816851109   30,232 200 SH   OTR   200 0 0
SERVICENOW INC COM 81762P102   227,712 490 SH   SOLE   490 0 0
SHERWIN WILLIAMS CO COM 824348106   606,429 2,698 SH   SOLE   2,698 0 0
SHERWIN WILLIAMS CO COM 824348106   28,995 129 SH   OTR   129 0 0
SOUTHERN CO COM 842587107   309,491 4,448 SH   SOLE   3,448 0 1,000
SYNOPSYS INC COM 871607107   1,516,417 3,926 SH   SOLE   3,926 0 0
TJX COS INC NEW COM 872540109   1,177,123 15,022 SH   SOLE   15,022 0 0
TESLA INC COM 88160R101   205,177 989 SH   SOLE   989 0 0
TEXAS INSTRS INC COM 882508104   2,408,643 12,949 SH   SOLE   12,909 0 40
TEXAS INSTRS INC COM 882508104   26,971 145 SH   OTR   145 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   2,648,996 4,596 SH   SOLE   3,996 0 600
THERMO FISHER SCIENTIFIC INC COM 883556102   46,109 80 SH   OTR   80 0 0
3M CO COM 88579Y101   283,797 2,700 SH   SOLE   2,700 0 0
3M CO COM 88579Y101   21,022 200 SH   OTR   200 0 0
TRACTOR SUPPLY CO COM 892356106   494,054 2,102 SH   SOLE   2,102 0 0
UDR INC COM 902653104   163,008 3,970 SH   SOLE   1,810 0 2,160
UDR INC COM 902653104   133,034 3,240 SH   OTR   3,240 0 0
UNION PAC CORP COM 907818108   1,705,678 8,475 SH   SOLE   8,475 0 0
UNION PAC CORP COM 907818108   46,289 230 SH   OTR   230 0 0
UNITED PARCEL SERVICE INC CL B 911312106   1,321,265 6,811 SH   SOLE   6,771 0 40
UNITED PARCEL SERVICE INC CL B 911312106   4,849 25 SH   OTR   25 0 0
UNITEDHEALTH GROUP INC COM 91324P102   2,362,477 4,999 SH   SOLE   4,999 0 0
UNITEDHEALTH GROUP INC COM 91324P102   21,266 45 SH   OTR   45 0 0
VALERO ENERGY CORP COM 91913Y100   835,366 5,984 SH   SOLE   5,984 0 0
VALERO ENERGY CORP COM 91913Y100   27,920 200 SH   OTR   200 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   292,060 5,290 SH   SOLE   5,290 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   6,625 120 SH   OTR   120 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   4,919,688 100,566 SH   SOLE   100,461 105 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   218,183 4,460 SH   OTR   4,460 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   8,703,560 114,175 SH   SOLE   113,540 310 325
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   310,637 4,075 SH   OTR   4,075 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   377,950 1,005 SH   SOLE   1,005 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   732,828 8,825 SH   SOLE   8,655 0 170
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   22,836 275 SH   OTR   275 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   1,583,950 40,729 SH   SOLE   39,729 0 1,000
VERIZON COMMUNICATIONS INC COM 92343V104   53,473 1,375 SH   OTR   1,375 0 0
VISA INC COM CL A 92826C839   466,702 2,070 SH   SOLE   2,070 0 0
VISA INC COM CL A 92826C839   22,546 100 SH   OTR   100 0 0
WALMART INC COM 931142103   1,112,510 7,545 SH   SOLE   7,545 0 0
WALMART INC COM 931142103   61,191 415 SH   OTR   415 0 0
WASTE MGMT INC DEL COM 94106L109   309,370 1,896 SH   SOLE   1,896 0 0
XCEL ENERGY INC COM 98389B100   330,523 4,901 SH   SOLE   4,901 0 0
XCEL ENERGY INC COM 98389B100   4,113 61 SH   OTR   61 0 0