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   2,277,227 6,570 SH   SOLE   6,070 0 500
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   173,305 500 SH   OTR   500 0 0
LINDE PLC SHS G54950103   762,413 1,642 SH   SOLE   1,642 0 0
AFLAC INC COM 001055102   430,158 5,010 SH   SOLE   5,010 0 0
AFLAC INC COM 001055102   39,066 455 SH   OTR   455 0 0
AT&T INC COM 00206R102   408,091 23,187 SH   SOLE   23,187 0 0
AT&T INC COM 00206R102   57,200 3,250 SH   OTR   3,250 0 0
ABBOTT LABS COM 002824100   771,751 6,790 SH   SOLE   6,790 0 0
ABBOTT LABS COM 002824100   53,988 475 SH   OTR   475 0 0
ABBVIE INC COM 00287Y109   2,516,257 13,818 SH   SOLE   13,818 0 0
ABBVIE INC COM 00287Y109   180,461 991 SH   OTR   991 0 0
ADOBE INC COM 00724F101   1,080,853 2,142 SH   SOLE   2,142 0 0
ADOBE INC COM 00724F101   25,230 50 SH   OTR   50 0 0
AIR PRODS & CHEMS INC COM 009158106   499,076 2,060 SH   SOLE   2,060 0 0
AIR PRODS & CHEMS INC COM 009158106   35,371 146 SH   OTR   146 0 0
ALLSTATE CORP COM 020002101   266,954 1,543 SH   SOLE   1,543 0 0
ALPHABET INC CAP STK CL C 02079K107   322,791 2,120 SH   SOLE   2,120 0 0
ALPHABET INC CAP STK CL A 02079K305   4,231,473 28,036 SH   SOLE   28,036 0 0
ALPHABET INC CAP STK CL A 02079K305   166,023 1,100 SH   OTR   1,100 0 0
AMAZON COM INC COM 023135106   4,102,923 22,746 SH   SOLE   22,746 0 0
AMAZON COM INC COM 023135106   72,152 400 SH   OTR   400 0 0
AMERICAN EXPRESS CO COM 025816109   1,622,291 7,125 SH   SOLE   7,125 0 0
AMERIPRISE FINL INC COM 03076C106   306,908 700 SH   SOLE   700 0 0
AMERIPRISE FINL INC COM 03076C106   17,537 40 SH   OTR   40 0 0
AMGEN INC COM 031162100   986,021 3,468 SH   SOLE   3,168 0 300
AMGEN INC COM 031162100   120,836 425 SH   OTR   425 0 0
APPLE INC COM 037833100   8,319,523 48,516 SH   SOLE   48,516 0 0
APPLE INC COM 037833100   288,086 1,680 SH   OTR   1,680 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   159,084 637 SH   SOLE   637 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   84,911 340 SH   OTR   340 0 0
AUTOZONE INC COM 053332102   397,107 126 SH   SOLE   126 0 0
AUTOZONE INC COM 053332102   15,758 5 SH   OTR   5 0 0
BANK AMERICA CORP COM 060505104   1,047,767 27,631 SH   SOLE   27,231 0 400
BANK AMERICA CORP COM 060505104   48,348 1,275 SH   OTR   1,275 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   2,652,219 6,307 SH   SOLE   6,307 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   325,061 773 SH   OTR   773 0 0
BLACKROCK INC COM 09247X101   944,582 1,133 SH   SOLE   1,133 0 0
BLACKROCK INC COM 09247X101   95,041 114 SH   OTR   114 0 0
BLACKSTONE INC COM 09260D107   209,535 1,595 SH   SOLE   1,595 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   766,126 14,127 SH   SOLE   14,127 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   111,984 2,065 SH   OTR   2,065 0 0
BROADCOM INC COM 11135F101   2,554,065 1,927 SH   SOLE   1,927 0 0
CME GROUP INC COM 12572Q105   177,614 825 SH   SOLE   825 0 0
CME GROUP INC COM 12572Q105   48,440 225 SH   OTR   225 0 0
CHEVRON CORP NEW COM 166764100   2,457,273 15,578 SH   SOLE   15,578 0 0
CHEVRON CORP NEW COM 166764100   93,855 595 SH   OTR   595 0 0
CISCO SYS INC COM 17275R102   914,466 18,322 SH   SOLE   16,472 0 1,850
CISCO SYS INC COM 17275R102   93,082 1,865 SH   OTR   1,865 0 0
CINTAS CORP COM 172908105   336,644 490 SH   SOLE   490 0 0
COCA COLA CO COM 191216100   1,273,522 20,816 SH   SOLE   20,816 0 0
COCA COLA CO COM 191216100   52,003 850 SH   OTR   850 0 0
COLGATE PALMOLIVE CO COM 194162103   400,092 4,443 SH   SOLE   4,443 0 0
COLGATE PALMOLIVE CO COM 194162103   39,531 439 SH   OTR   439 0 0
COMCAST CORP NEW CL A 20030N101   346,063 7,983 SH   SOLE   7,983 0 0
COMCAST CORP NEW CL A 20030N101   2,861 66 SH   OTR   66 0 0
CONOCOPHILLIPS COM 20825C104   963,000 7,566 SH   SOLE   7,566 0 0
COSTCO WHSL CORP NEW COM 22160K105   416,866 569 SH   SOLE   569 0 0
DBX ETF TR XTRACK MSCI EAFE 233051200   3,430,466 83,813 SH   SOLE   83,578 235 0
DISNEY WALT CO COM 254687106   548,050 4,479 SH   SOLE   4,479 0 0
DISNEY WALT CO COM 254687106   12,236 100 SH   OTR   100 0 0
DOMINION ENERGY INC COM 25746U109   254,283 5,169 SH   SOLE   5,169 0 0
DOMINION ENERGY INC COM 25746U109   18,938 385 SH   OTR   385 0 0
DOVER CORP COM 260003108   246,116 1,389 SH   SOLE   1,389 0 0
DUPONT DE NEMOURS INC COM 26614N102   235,606 3,073 SH   SOLE   3,073 0 0
EMERSON ELEC CO COM 291011104   207,558 1,830 SH   SOLE   1,830 0 0
EXXON MOBIL CORP COM 30231G102   1,312,841 11,294 SH   SOLE   11,094 0 200
EXXON MOBIL CORP COM 30231G102   315,010 2,710 SH   OTR   2,710 0 0
META PLATFORMS INC CL A 30303M102   2,895,513 5,963 SH   SOLE   5,963 0 0
META PLATFORMS INC CL A 30303M102   38,846 80 SH   OTR   80 0 0
FISERV INC COM 337738108   763,939 4,780 SH   SOLE   4,780 0 0
FISERV INC COM 337738108   17,580 110 SH   OTR   110 0 0
FLEXSHARES TR IBOXX 5YR TRGT 33939L605   1,867,569 78,967 SH   SOLE   78,142 825 0
FLEXSHARES TR IBOXX 5YR TRGT 33939L605   23,531 995 SH   OTR   995 0 0
GENERAL DYNAMICS CORP COM 369550108   736,451 2,607 SH   SOLE   2,207 0 400
GENERAL DYNAMICS CORP COM 369550108   364,412 1,290 SH   OTR   1,290 0 0
GILEAD SCIENCES INC COM 375558103   344,568 4,704 SH   SOLE   4,704 0 0
HOME DEPOT INC COM 437076102   2,426,270 6,325 SH   SOLE   5,825 0 500
HOME DEPOT INC COM 437076102   471,828 1,230 SH   OTR   1,230 0 0
HONEYWELL INTL INC COM 438516106   1,056,832 5,149 SH   SOLE   5,149 0 0
HONEYWELL INTL INC COM 438516106   30,787 150 SH   OTR   150 0 0
ILLINOIS TOOL WKS INC COM 452308109   306,701 1,143 SH   SOLE   428 0 715
ILLINOIS TOOL WKS INC COM 452308109   191,855 715 SH   OTR   715 0 0
INTEL CORP COM 458140100   383,351 8,679 SH   SOLE   8,679 0 0
INTEL CORP COM 458140100   17,668 400 SH   OTR   400 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104   575,831 4,190 SH   SOLE   4,190 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   433,288 2,269 SH   SOLE   2,269 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   63,971 335 SH   OTR   335 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602   868,818 2,177 SH   SOLE   2,177 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602   29,931 75 SH   OTR   75 0 0
INTUIT COM 461202103   206,700 318 SH   SOLE   318 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   262,354 1,549 SH   SOLE   1,549 0 0
ISHARES TR CORE S&P500 ETF 464287200   2,737,476 5,207 SH   SOLE   5,207 0 0
ISHARES TR CORE US AGGBD ET 464287226   12,866,671 131,373 SH   SOLE   131,123 250 0
ISHARES TR CORE US AGGBD ET 464287226   311,449 3,180 SH   OTR   3,180 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   646,599 15,740 SH   SOLE   15,740 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   23,621 575 SH   OTR   575 0 0
ISHARES TR IBOXX INV CP ETF 464287242   6,186,656 56,800 SH   SOLE   56,580 220 0
ISHARES TR IBOXX INV CP ETF 464287242   137,783 1,265 SH   OTR   1,265 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   266,408 3,155 SH   SOLE   3,155 0 0
ISHARES TR S&P 500 VAL ETF 464287408   259,105 1,387 SH   SOLE   1,387 0 0
ISHARES TR MSCI EAFE ETF 464287465   5,511,378 69,013 SH   SOLE   68,793 110 110
ISHARES TR MSCI EAFE ETF 464287465   382,689 4,792 SH   OTR   4,792 0 0
ISHARES TR RUS MID CAP ETF 464287499   5,264,118 62,601 SH   SOLE   62,493 60 48
ISHARES TR RUS MID CAP ETF 464287499   180,625 2,148 SH   OTR   2,148 0 0
ISHARES TR US CONSUM DISCRE 464287580   240,991 2,940 SH   SOLE   2,940 0 0
ISHARES TR US CONSUM DISCRE 464287580   166,399 2,030 SH   OTR   2,030 0 0
ISHARES TR RUS 1000 ETF 464287622   352,836 1,225 SH   SOLE   1,225 0 0
ISHARES TR RUS 1000 ETF 464287622   101,386 352 SH   OTR   352 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   2,820,753 13,413 SH   SOLE   13,393 0 20
ISHARES TR RUSSELL 2000 ETF 464287655   182,961 870 SH   OTR   870 0 0
ISHARES TR RUSSELL 3000 ETF 464287689   4,623,332 15,407 SH   SOLE   15,407 0 0
ISHARES TR RUSSELL 3000 ETF 464287689   776,907 2,589 SH   OTR   2,589 0 0
ISHARES TR U.S. TECH ETF 464287721   380,869 2,820 SH   SOLE   2,820 0 0
ISHARES TR U.S. TECH ETF 464287721   166,799 1,235 SH   OTR   1,235 0 0
ISHARES TR US INDUSTRIALS 464287754   306,606 2,439 SH   SOLE   2,439 0 0
ISHARES TR US INDUSTRIALS 464287754   61,849 492 SH   OTR   492 0 0
ISHARES TR U.S. FINLS ETF 464287788   1,022,881 10,694 SH   SOLE   10,694 0 0
ISHARES TR U.S. FINLS ETF 464287788   122,814 1,284 SH   OTR   1,284 0 0
ISHARES TR SHRT NAT MUN ETF 464288158   603,768 5,765 SH   SOLE   5,765 0 0
ISHARES TR IBOXX HI YD ETF 464288513   364,553 4,690 SH   SOLE   4,690 0 0
ISHARES TR MBS ETF 464288588   256,742 2,778 SH   SOLE   2,778 0 0
ISHARES TR GRWT ALLOCAT ETF 464289867   220,453 3,960 SH   SOLE   3,960 0 0
ISHARES TR BROAD USD HIGH 46435U853   4,091,603 111,823 SH   SOLE   111,683 140 0
ISHARES TR BROAD USD HIGH 46435U853   234,724 6,415 SH   OTR   6,415 0 0
JPMORGAN CHASE & CO COM 46625H100   2,029,039 10,130 SH   SOLE   10,108 0 22
JPMORGAN CHASE & CO COM 46625H100   202,303 1,010 SH   OTR   1,010 0 0
JOHNSON & JOHNSON COM 478160104   1,257,452 7,949 SH   SOLE   7,949 0 0
JOHNSON & JOHNSON COM 478160104   68,812 435 SH   OTR   435 0 0
KIMBERLY-CLARK CORP COM 494368103   60,406 467 SH   SOLE   467 0 0
KIMBERLY-CLARK CORP COM 494368103   194,025 1,500 SH   OTR   1,500 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109   977,489 4,587 SH   SOLE   4,587 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109   93,764 440 SH   OTR   440 0 0
LABORATORY CORP AMER HLDGS COM NEW 50540R409   275,696 1,262 SH   SOLE   1,262 0 0
LABORATORY CORP AMER HLDGS COM NEW 50540R409   7,646 35 SH   OTR   35 0 0
ELI LILLY & CO COM 532457108   2,568,823 3,302 SH   SOLE   3,302 0 0
ELI LILLY & CO COM 532457108   287,845 370 SH   OTR   370 0 0
LOWES COS INC COM 548661107   641,919 2,520 SH   SOLE   2,520 0 0
MARATHON PETE CORP COM 56585A102   407,433 2,022 SH   SOLE   2,022 0 0
MARATHON PETE CORP COM 56585A102   40,300 200 SH   OTR   200 0 0
MASTERCARD INCORPORATED CL A 57636Q104   1,367,658 2,840 SH   SOLE   2,840 0 0
MCDONALDS CORP COM 580135101   3,096,656 10,983 SH   SOLE   10,983 0 0
MCDONALDS CORP COM 580135101   95,863 340 SH   OTR   340 0 0
MERCK & CO INC COM 58933Y105   2,147,090 16,272 SH   SOLE   16,272 0 0
MERCK & CO INC COM 58933Y105   52,780 400 SH   OTR   400 0 0
MICROSOFT CORP COM 594918104   11,857,112 28,182 SH   SOLE   27,672 0 510
MICROSOFT CORP COM 594918104   1,110,700 2,640 SH   OTR   2,640 0 0
MONDELEZ INTL INC CL A 609207105   533,610 7,623 SH   SOLE   7,623 0 0
MONDELEZ INTL INC CL A 609207105   7,000 100 SH   OTR   100 0 0
MOODYS CORP COM 615369105   206,340 525 SH   SOLE   525 0 0
MORGAN STANLEY COM NEW 617446448   1,438,576 15,278 SH   SOLE   15,278 0 0
MORGAN STANLEY COM NEW 617446448   62,616 665 SH   OTR   665 0 0
NEXTERA ENERGY INC COM 65339F101   1,585,607 24,810 SH   SOLE   24,210 0 600
NEXTERA ENERGY INC COM 65339F101   316,098 4,946 SH   OTR   4,946 0 0
NORFOLK SOUTHN CORP COM 655844108   758,747 2,977 SH   SOLE   2,027 0 950
NORFOLK SOUTHN CORP COM 655844108   22,938 90 SH   OTR   90 0 0
NVIDIA CORPORATION COM 67066G104   7,477,862 8,276 SH   SOLE   8,276 0 0
NVIDIA CORPORATION COM 67066G104   112,945 125 SH   OTR   125 0 0
ORACLE CORP COM 68389X105   1,788,812 14,241 SH   SOLE   13,241 0 1,000
ORACLE CORP COM 68389X105   266,921 2,125 SH   OTR   2,125 0 0
PEPSICO INC COM 713448108   695,534 3,974 SH   SOLE   3,974 0 0
PEPSICO INC COM 713448108   357,720 2,044 SH   OTR   2,044 0 0
PFIZER INC COM 717081103   181,374 6,536 SH   SOLE   6,536 0 0
PFIZER INC COM 717081103   43,845 1,580 SH   OTR   1,580 0 0
PHILIP MORRIS INTL INC COM 718172109   378,482 4,131 SH   SOLE   4,131 0 0
PHILIP MORRIS INTL INC COM 718172109   18,324 200 SH   OTR   200 0 0
PROCTER AND GAMBLE CO COM 742718109   2,394,387 14,757 SH   SOLE   14,457 0 300
PROCTER AND GAMBLE CO COM 742718109   154,137 950 SH   OTR   950 0 0
PROGRESSIVE CORP COM 743315103   197,099 953 SH   SOLE   953 0 0
PROGRESSIVE CORP COM 743315103   36,193 175 SH   OTR   175 0 0
PROLOGIS INC. COM 74340W103   1,099,187 8,441 SH   SOLE   8,441 0 0
PROLOGIS INC. COM 74340W103   26,044 200 SH   OTR   200 0 0
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   252,561 3,782 SH   SOLE   3,782 0 0
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   8,347 125 SH   OTR   125 0 0
PUBLIC STORAGE OPER CO COM 74460D109   391,581 1,350 SH   SOLE   1,350 0 0
PUBLIC STORAGE OPER CO COM 74460D109   12,762 44 SH   OTR   44 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   3,916,748 7,488 SH   SOLE   7,488 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   176,274 337 SH   OTR   337 0 0
SPDR GOLD TR GOLD SHS 78463V107   508,745 2,473 SH   SOLE   2,473 0 0
SPDR SER TR PORT MTG BK ETF 78464A383   5,645,809 259,936 SH   SOLE   259,541 395 0
SPDR SER TR PORT MTG BK ETF 78464A383   258,098 11,883 SH   OTR   11,883 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   4,064,647 66,579 SH   SOLE   66,579 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   556,678 8,970 SH   SOLE   8,970 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   3,676,069 39,647 SH   SOLE   39,347 300 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   127,490 1,375 SH   OTR   1,375 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   912,139 12,005 SH   SOLE   11,650 355 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   1,822,403 22,380 SH   SOLE   22,380 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   3,933,537 79,885 SH   SOLE   79,795 90 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   30,528 620 SH   OTR   620 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   1,639,709 64,939 SH   SOLE   64,869 70 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   34,340 1,360 SH   OTR   1,360 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   2,994,920 37,144 SH   SOLE   37,144 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   24,995 310 SH   OTR   310 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   7,538,039 193,184 SH   SOLE   193,184 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   3,511 90 SH   OTR   90 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   3,330,768 72,408 SH   SOLE   72,408 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   110,400 2,400 SH   OTR   2,400 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   1,129,635 12,161 SH   SOLE   12,161 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   26,380 284 SH   OTR   284 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   3,112,375 21,068 SH   SOLE   21,068 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   1,586,073 20,771 SH   SOLE   20,771 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   2,397,925 13,040 SH   SOLE   13,040 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   7,355 40 SH   OTR   40 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   1,245,834 13,196 SH   SOLE   13,196 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   20,581 218 SH   OTR   218 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   2,710,295 64,347 SH   SOLE   64,347 0 0
SELECT SECTOR SPDR TR INDL 81369Y704   2,410,244 19,135 SH   SOLE   19,135 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   7,944,459 38,145 SH   SOLE   38,145 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   4,165 20 SH   OTR   20 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   2,416,074 29,587 SH   SOLE   29,587 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   4,083 50 SH   OTR   50 0 0
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   373,360 9,445 SH   SOLE   9,445 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   755,762 11,512 SH   SOLE   11,512 0 0
SEMPRA COM 816851109   343,562 4,783 SH   SOLE   4,783 0 0
SEMPRA COM 816851109   28,732 400 SH   OTR   400 0 0
SERVICENOW INC COM 81762P102   250,829 329 SH   SOLE   329 0 0
SHERWIN WILLIAMS CO COM 824348106   953,420 2,745 SH   SOLE   2,745 0 0
SHERWIN WILLIAMS CO COM 824348106   44,805 129 SH   OTR   129 0 0
SOUTHERN CO COM 842587107   198,935 2,773 SH   SOLE   2,773 0 0
SOUTHERN CO COM 842587107   33,000 460 SH   OTR   460 0 0
SYNOPSYS INC COM 871607107   1,301,305 2,277 SH   SOLE   2,277 0 0
TJX COS INC NEW COM 872540109   1,437,628 14,175 SH   SOLE   14,175 0 0
T-MOBILE US INC COM 872590104   801,410 4,910 SH   SOLE   4,910 0 0
TESLA INC COM 88160R101   468,304 2,664 SH   SOLE   2,664 0 0
TEXAS INSTRS INC COM 882508104   1,590,711 9,131 SH   SOLE   9,131 0 0
TEXAS INSTRS INC COM 882508104   25,260 145 SH   OTR   145 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   2,423,064 4,169 SH   SOLE   3,569 0 600
THERMO FISHER SCIENTIFIC INC COM 883556102   46,496 80 SH   OTR   80 0 0
3M CO COM 88579Y101   286,389 2,700 SH   SOLE   2,700 0 0
3M CO COM 88579Y101   21,214 200 SH   OTR   200 0 0
UDR INC COM 902653104   138,978 3,715 SH   SOLE   1,555 0 2,160
UDR INC COM 902653104   121,208 3,240 SH   OTR   3,240 0 0
UNION PAC CORP COM 907818108   1,956,127 7,954 SH   SOLE   7,954 0 0
UNION PAC CORP COM 907818108   50,415 205 SH   OTR   205 0 0
UNITED PARCEL SERVICE INC CL B 911312106   1,076,824 7,245 SH   SOLE   7,245 0 0
UNITED PARCEL SERVICE INC CL B 911312106   38,643 260 SH   OTR   260 0 0
UNITEDHEALTH GROUP INC COM 91324P102   2,354,772 4,760 SH   SOLE   4,760 0 0
UNITEDHEALTH GROUP INC COM 91324P102   22,261 45 SH   OTR   45 0 0
VALERO ENERGY CORP COM 91913Y100   951,426 5,574 SH   SOLE   5,574 0 0
VALERO ENERGY CORP COM 91913Y100   24,579 144 SH   OTR   144 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   393,879 6,532 SH   SOLE   6,532 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   12,663 210 SH   OTR   210 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   5,056,486 102,795 SH   SOLE   102,690 105 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   187,315 3,808 SH   OTR   3,808 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   9,484,468 122,681 SH   SOLE   122,371 310 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   229,224 2,965 SH   OTR   2,965 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   527,808 1,098 SH   SOLE   1,098 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   822,511 9,511 SH   SOLE   9,491 0 20
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   18,593 215 SH   OTR   215 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   830,766 19,799 SH   SOLE   19,799 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   50,981 1,215 SH   OTR   1,215 0 0
VISA INC COM CL A 92826C839   460,482 1,650 SH   SOLE   1,650 0 0
VISA INC COM CL A 92826C839   50,234 180 SH   OTR   180 0 0
WALMART INC COM 931142103   1,389,987 23,101 SH   SOLE   23,101 0 0
WALMART INC COM 931142103   80,928 1,345 SH   OTR   1,345 0 0
WASTE MGMT INC DEL COM 94106L109   337,203 1,582 SH   SOLE   1,582 0 0
WELLS FARGO CO NEW COM 949746101   166,113 2,866 SH   SOLE   2,266 0 600
WELLS FARGO CO NEW COM 949746101   81,144 1,400 SH   OTR   1,400 0 0