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
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 1,063 4,949 SH   SOLE   4,949 0 0
TRANE TECHNOLOGIES PLC SHS G8994E103 232 2,610 SH   SOLE   2,610 0 0
AT&T INC COM 00206R102 2,030 67,153 SH   SOLE   66,793 0 360
AT&T INC COM 00206R102 74 2,452 SH   OTR   1,642 810 0
ABBOTT LABS COM 002824100 861 9,421 SH   SOLE   9,421 0 0
ABBOTT LABS COM 002824100 56 609 SH   OTR   0 0 609
ABBVIE INC COM 00287Y109 896 9,130 SH   SOLE   9,130 0 0
ABBVIE INC COM 00287Y109 107 1,090 SH   OTR   575 0 515
ADELPHIA RECOVERY TR CVV ACC-1 INT 00685R409 0 48,841 SH   OTR   0 48,841 0
ADOBE INC COM 00724F101 3,431 7,882 SH   SOLE   7,822 0 60
ADOBE INC COM 00724F101 150 345 SH   OTR   255 90 0
ALLIANT ENERGY CORP COM 018802108 502 10,500 SH   SOLE   10,500 0 0
ALPHABET INC CAP STK CL C 02079K107 635 449 SH   SOLE   449 0 0
ALPHABET INC CAP STK CL C 02079K107 143 101 SH   OTR   101 0 0
ALPHABET INC CAP STK CL A 02079K305 3,857 2,720 SH   SOLE   2,706 0 14
ALPHABET INC CAP STK CL A 02079K305 352 248 SH   OTR   224 24 0
ALTRIA GROUP INC COM 02209S103 423 10,775 SH   SOLE   10,775 0 0
ALTRIA GROUP INC COM 02209S103 7 180 SH   OTR   0 0 180
AMAZON COM INC COM 023135106 4,613 1,672 SH   SOLE   1,656 0 16
AMAZON COM INC COM 023135106 1,424 516 SH   OTR   494 22 0
AMERICAN EXPRESS CO COM 025816109 2,320 24,369 SH   SOLE   24,252 0 117
AMERICAN EXPRESS CO COM 025816109 129 1,360 SH   OTR   740 420 200
AMER STATES WTR CO COM 029899101 660 8,395 SH   SOLE   8,395 0 0
AMER STATES WTR CO COM 029899101 236 3,000 SH   OTR   3,000 0 0
AMERICAN WTR WKS CO INC NEW COM 030420103 3,909 30,379 SH   SOLE   30,208 0 171
AMERICAN WTR WKS CO INC NEW COM 030420103 162 1,262 SH   OTR   770 192 300
AMERIPRISE FINL INC COM 03076C106 314 2,092 SH   SOLE   2,092 0 0
AMGEN INC COM 031162100 3,924 16,636 SH   SOLE   16,513 0 123
AMGEN INC COM 031162100 420 1,782 SH   OTR   1,470 132 180
APPLE INC COM 037833100 12,470 34,183 SH   SOLE   33,649 0 534
APPLE INC COM 037833100 1,817 4,982 SH   OTR   4,616 166 200
AVISTA CORP COM 05379B107 452 12,434 SH   SOLE   12,434 0 0
BK OF AMERICA CORP COM 060505104 277 11,643 SH   SOLE   8,243 0 3,400
BANK NEW YORK MELLON CORP COM 064058100 1,130 29,224 SH   SOLE   28,901 0 323
BANK NEW YORK MELLON CORP COM 064058100 8 200 SH   OTR   200 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 1,337 5 SH   SOLE   5 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 1,871 7 SH   OTR   7 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 5,408 30,293 SH   SOLE   24,340 0 5,953
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 174 977 SH   OTR   572 0 405
BIG SCREEN ENTMT GROUP INC COM 08953T106 0 10,000 SH   SOLE   10,000 0 0
BOEING CO COM 097023105 2,523 13,763 SH   SOLE   13,668 0 95
BOEING CO COM 097023105 101 551 SH   OTR   376 0 175
CIGNA CORP NEW COM 125523100 1,370 7,301 SH   SOLE   7,301 0 0
CIGNA CORP NEW COM 125523100 23 121 SH   OTR   121 0 0
CALIFORNIA WTR SVC GROUP COM 130788102 750 15,718 SH   SOLE   15,718 0 0
CHEVRON CORP NEW COM 166764100 3,153 35,331 SH   SOLE   34,792 0 539
CHEVRON CORP NEW COM 166764100 705 7,898 SH   OTR   7,154 490 254
CHURCH & DWIGHT INC COM 171340102 235 3,034 SH   SOLE   3,034 0 0
CISCO SYS INC COM 17275R102 406 8,696 SH   SOLE   8,696 0 0
CISCO SYS INC COM 17275R102 68 1,450 SH   OTR   1,450 0 0
COCA COLA CO COM 191216100 37 836 SH   SOLE   836 0 0
COCA COLA CO COM 191216100 255 5,700 SH   OTR   5,700 0 0
COLGATE PALMOLIVE CO COM 194162103 209 2,856 SH   SOLE   2,561 0 295
COLGATE PALMOLIVE CO COM 194162103 39 534 SH   OTR   0 0 534
COMCAST CORP NEW CL A 20030N101 985 25,268 SH   SOLE   25,268 0 0
COMCAST CORP NEW CL A 20030N101 102 2,625 SH   OTR   2,625 0 0
CONOCOPHILLIPS COM 20825C104 707 16,827 SH   SOLE   16,500 0 327
CONOCOPHILLIPS COM 20825C104 23 550 SH   OTR   550 0 0
COSTCO WHSL CORP NEW COM 22160K105 5,788 19,088 SH   SOLE   18,971 0 117
COSTCO WHSL CORP NEW COM 22160K105 194 640 SH   OTR   263 152 225
DANAHER CORPORATION COM 235851102 1,545 8,739 SH   SOLE   8,653 0 86
DANAHER CORPORATION COM 235851102 34 190 SH   OTR   190 0 0
DISNEY WALT CO COM DISNEY 254687106 2,820 25,289 SH   SOLE   24,947 0 342
DISNEY WALT CO COM DISNEY 254687106 409 3,665 SH   OTR   2,939 396 330
EASTMAN CHEM CO COM 277432100 251 3,600 SH   SOLE   3,600 0 0
EDISON INTL COM 281020107 646 11,898 SH   SOLE   11,898 0 0
ENERGIZER HLDGS INC NEW COM 29272W109 537 11,300 SH   SOLE   11,300 0 0
EXXON MOBIL CORP COM 30231G102 2,104 47,038 SH   SOLE   46,567 0 471
EXXON MOBIL CORP COM 30231G102 389 8,688 SH   OTR   5,168 0 3,520
FACEBOOK INC CL A 30303M102 570 2,509 SH   SOLE   2,509 0 0
FACEBOOK INC CL A 30303M102 34 151 SH   OTR   151 0 0
FARMERS & MERCHANTS BK COM 308243104 30,781 5,169 SH   SOLE   5,162 0 7
FARMERS & MERCHANTS BK COM 308243104 7,610 1,278 SH   OTR   11 0 1,267
FLEXSHARES TR MORNSTAR UPSTR 33939L407 265 9,590 SH   SOLE   9,590 0 0
FORTIVE CORP COM 34959J108 690 10,191 SH   SOLE   10,066 0 125
FORTIVE CORP COM 34959J108 49 720 SH   OTR   300 420 0
GENERAL DYNAMICS CORP COM 369550108 177 1,185 SH   SOLE   1,185 0 0
GENERAL DYNAMICS CORP COM 369550108 132 880 SH   OTR   327 0 553
GENERAL ELECTRIC CO COM 369604103 153 22,402 SH   SOLE   22,402 0 0
GENERAL ELECTRIC CO COM 369604103 42 6,200 SH   OTR   5,800 0 400
GENERAL MLS INC COM 370334104 215 3,488 SH   SOLE   3,488 0 0
GENERAL MLS INC COM 370334104 31 500 SH   OTR   500 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 824 4,171 SH   SOLE   4,110 0 61
GOLDMAN SACHS GROUP INC COM 38141G104 42 210 SH   OTR   210 0 0
HOME DEPOT INC COM 437076102 636 2,537 SH   SOLE   2,537 0 0
HOME DEPOT INC COM 437076102 85 340 SH   OTR   340 0 0
HONEYWELL INTL INC COM 438516106 414 2,864 SH   SOLE   2,579 0 285
HONEYWELL INTL INC COM 438516106 463 3,201 SH   OTR   2,650 0 551
INTEL CORP COM 458140100 408 6,822 SH   SOLE   6,822 0 0
INTEL CORP COM 458140100 204 3,403 SH   OTR   3,403 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 231 1,911 SH   SOLE   1,911 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 12 100 SH   OTR   100 0 0
INTERNATIONAL DISPENSING COR COM 459407102 3 14,000 SH   SOLE   14,000 0 0
ISHARES TR SELECT DIVID ETF 464287168 558 6,914 SH   SOLE   6,914 0 0
ISHARES TR SELECT DIVID ETF 464287168 32 400 SH   OTR   400 0 0
ISHARES TR CORE S&P500 ETF 464287200 475 1,533 SH   SOLE   1,533 0 0
ISHARES TR CORE S&P500 ETF 464287200 187 605 SH   OTR   605 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 1,292 32,302 SH   SOLE   32,118 0 184
ISHARES TR MSCI EMG MKT ETF 464287234 10 250 SH   OTR   250 0 0
ISHARES TR S&P 500 VAL ETF 464287408 680 6,287 SH   SOLE   6,287 0 0
ISHARES TR MSCI EAFE ETF 464287465 2,418 39,731 SH   SOLE   39,021 0 710
ISHARES TR MSCI EAFE ETF 464287465 283 4,650 SH   OTR   4,650 0 0
ISHARES TR RUS MDCP VAL ETF 464287473 503 6,579 SH   SOLE   6,504 0 75
ISHARES TR RUS MID CAP ETF 464287499 623 11,620 SH   SOLE   11,200 0 420
ISHARES TR RUS 1000 VAL ETF 464287598 508 4,511 SH   SOLE   4,511 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 4,544 31,733 SH   SOLE   31,608 0 125
ISHARES TR RUSSELL 2000 ETF 464287655 263 1,837 SH   OTR   1,837 0 0
ISHARES TR EAFE GRWTH ETF 464288885 1,418 17,060 SH   SOLE   17,060 0 0
ISHARES TR EAFE GRWTH ETF 464288885 28 340 SH   OTR   340 0 0
JPMORGAN CHASE & CO COM 46625H100 3,629 38,581 SH   SOLE   37,026 0 1,555
JPMORGAN CHASE & CO COM 46625H100 347 3,687 SH   OTR   3,065 418 204
JOHNSON & JOHNSON COM 478160104 2,125 15,112 SH   SOLE   14,925 0 187
JOHNSON & JOHNSON COM 478160104 654 4,650 SH   OTR   4,510 0 140
KIMBERLY CLARK CORP COM 494368103 488 3,453 SH   SOLE   3,297 0 156
KIMBERLY CLARK CORP COM 494368103 67 475 SH   OTR   475 0 0
LAUDER ESTEE COS INC CL A 518439104 206 1,092 SH   SOLE   1,092 0 0
LILLY ELI & CO COM 532457108 708 4,315 SH   SOLE   4,315 0 0
LOCKHEED MARTIN CORP COM 539830109 979 2,684 SH   SOLE   2,684 0 0
LOCKHEED MARTIN CORP COM 539830109 27 73 SH   OTR   73 0 0
MARATHON PETE CORP COM 56585A102 159 4,250 SH   SOLE   4,250 0 0
MARATHON PETE CORP COM 56585A102 162 4,340 SH   OTR   4,340 0 0
MASTERCARD INCORPORATED CL A 57636Q104 606 2,049 SH   SOLE   2,049 0 0
MASTERCARD INCORPORATED CL A 57636Q104 30 100 SH   OTR   100 0 0
MCCORMICK & CO INC COM NON VTG 579780206 248 1,382 SH   SOLE   1,382 0 0
MCDONALDS CORP COM 580135101 256 1,386 SH   SOLE   1,386 0 0
MCKESSON CORP COM 58155Q103 294 1,919 SH   SOLE   1,919 0 0
MERCK & CO. INC COM 58933Y105 466 6,027 SH   SOLE   5,855 0 172
MICROSOFT CORP COM 594918104 9,643 47,385 SH   SOLE   46,471 0 914
MICROSOFT CORP COM 594918104 2,893 14,214 SH   OTR   13,578 286 350
MIDDLESEX WATER CO COM 596680108 380 5,660 SH   SOLE   5,660 0 0
MIDWESTONE FINL GROUP INC NE COM 598511103 608 30,420 SH   SOLE   30,420 0 0
MONDELEZ INTL INC CL A 609207105 1,241 24,275 SH   SOLE   24,099 0 176
MONDELEZ INTL INC CL A 609207105 49 950 SH   OTR   950 0 0
MOTOROLA SOLUTIONS INC COM NEW 620076307 1,262 9,009 SH   SOLE   8,900 0 109
MOTOROLA SOLUTIONS INC COM NEW 620076307 74 525 SH   OTR   375 150 0
MUSCLEPHARM CORP COM NEW 627335201 3 17,320 SH   SOLE   17,320 0 0
NESTLE S A SPONSORED ADR 641069406 2,466 22,306 SH   SOLE   22,131 0 175
NESTLE S A SPONSORED ADR 641069406 83 750 SH   OTR   450 0 300
NEW JERSEY RES COM 646025106 728 22,301 SH   SOLE   22,301 0 0
NEWMONT MINING CORP COM 651639106 2,256 36,533 SH   SOLE   36,146 0 387
NEWMONT MINING CORP COM 651639106 150 2,435 SH   OTR   1,895 540 0
NEXTERA ENERGY INC COM 65339F101 352 1,465 SH   SOLE   1,465 0 0
NEXTERA ENERGY INC COM 65339F101 13 56 SH   OTR   56 0 0
NIKE INC CL B 654106103 2,547 25,972 SH   SOLE   25,692 0 280
NIKE INC CL B 654106103 83 843 SH   OTR   463 0 380
NON INVASIVE MONITORING SYS COM NEW 655366508 9 192,818 SH   SOLE   192,818 0 0
NORTHROP GRUMMAN CORP COM 666807102 2,100 6,830 SH   SOLE   6,807 0 23
NORTHROP GRUMMAN CORP COM 666807102 58 188 SH   OTR   188 0 0
OPKO HEALTH INC COM 68375N103 85 25,000 SH   SOLE   25,000 0 0
ORACLE CORP COM 68389X105 2,371 42,901 SH   SOLE   42,603 0 298
ORACLE CORP COM 68389X105 179 3,247 SH   OTR   1,641 906 700
PARKER HANNIFIN CORP COM 701094104 297 1,619 SH   SOLE   1,619 0 0
PARKER HANNIFIN CORP COM 701094104 18 100 SH   OTR   100 0 0
PAYPAL HLDGS INC COM 70450Y103 501 2,876 SH   SOLE   2,876 0 0
PAYPAL HLDGS INC COM 70450Y103 3 16 SH   OTR   16 0 0
PEPSICO INC COM 713448108 776 5,866 SH   SOLE   5,866 0 0
PEPSICO INC COM 713448108 71 540 SH   OTR   540 0 0
PFIZER INC COM 717081103 1,322 40,418 SH   SOLE   40,223 0 195
PFIZER INC COM 717081103 144 4,401 SH   OTR   1,620 780 2,001
PHILIP MORRIS INTL INC COM 718172109 571 8,152 SH   SOLE   8,152 0 0
PHILIP MORRIS INTL INC COM 718172109 7 107 SH   OTR   0 0 107
PHILLIPS 66 COM 718546104 348 4,837 SH   SOLE   4,837 0 0
PHILLIPS 66 COM 718546104 14 200 SH   OTR   200 0 0
POST HLDGS INC COM 737446104 395 4,510 SH   SOLE   4,510 0 0
PROCTER AND GAMBLE CO COM 742718109 1,964 16,428 SH   SOLE   16,428 0 0
PROCTER AND GAMBLE CO COM 742718109 36 300 SH   OTR   300 0 0
QUEEN CITY INVTS INC CAP STK 74823W109 3,643 3,938 SH   SOLE   3,938 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 876 14,210 SH   SOLE   14,085 0 125
RAYTHEON TECHNOLOGIES CORP COM 75513E101 170 2,751 SH   OTR   2,751 0 0
REPUBLIC SVCS INC COM 760759100 923 11,250 SH   SOLE   11,250 0 0
ROCKWELL AUTOMATION INC COM 773903109 256 1,200 SH   SOLE   1,200 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 656 2,129 SH   SOLE   2,129 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 188 610 SH   OTR   610 0 0
SPDR GOLD TR GOLD SHS 78463V107 184 1,102 SH   SOLE   822 0 280
SPDR GOLD TR GOLD SHS 78463V107 30 178 SH   OTR   178 0 0
SPDR INDEX SHS FDS ASIA PACIF ETF 78463X301 348 3,500 SH   SOLE   3,500 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 1,587 4,892 SH   SOLE   4,892 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 42 130 SH   OTR   130 0 0
SALESFORCE COM INC COM 79466L302 344 1,834 SH   SOLE   1,834 0 0
SALESFORCE COM INC COM 79466L302 24 130 SH   OTR   130 0 0
SEMPRA ENERGY COM 816851109 490 4,178 SH   SOLE   4,178 0 0
SOUTHERN CO COM 842587107 764 14,744 SH   SOLE   14,519 0 225
SOUTHERN CO COM 842587107 10 200 SH   OTR   200 0 0
STARBUCKS CORP COM 855244109 819 11,134 SH   SOLE   11,013 0 121
STARBUCKS CORP COM 855244109 34 467 SH   OTR   467 0 0
TJX COS INC NEW COM 872540109 1,272 25,156 SH   SOLE   25,156 0 0
TARGET CORP COM 87612E106 461 3,845 SH   SOLE   3,845 0 0
TARGET CORP COM 87612E106 6 54 SH   OTR   54 0 0
TC ENERGY CORP COM 87807B107 287 6,690 SH   SOLE   6,690 0 0
TEXAS PAC LD TR SUB CTF PROP I T 882610108 268 450 SH   SOLE   450 0 0
3M CO COM 88579Y101 477 3,060 SH   SOLE   2,990 0 70
3M CO COM 88579Y101 63 404 SH   OTR   404 0 0
TRAVELERS COMPANIES INC COM 89417E109 200 1,756 SH   SOLE   1,756 0 0
TRAVELERS COMPANIES INC COM 89417E109 124 1,088 SH   OTR   1,088 0 0
US BANCORP DEL COM NEW 902973304 1,190 32,322 SH   SOLE   32,096 0 226
US BANCORP DEL COM NEW 902973304 46 1,250 SH   OTR   1,250 0 0
UNION PAC CORP COM 907818108 314 1,859 SH   SOLE   1,859 0 0
UNION PAC CORP COM 907818108 31 184 SH   OTR   184 0 0
UNITED PARCEL SERVICE INC CL B 911312106 248 2,233 SH   SOLE   2,233 0 0
UNITED PARCEL SERVICE INC CL B 911312106 44 400 SH   OTR   400 0 0
UNITEDHEALTH GROUP INC COM 91324P102 5,477 18,569 SH   SOLE   18,475 0 94
UNITEDHEALTH GROUP INC COM 91324P102 149 506 SH   OTR   204 168 134
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 245 1,273 SH   SOLE   1,273 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 567 2,000 SH   SOLE   2,000 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 271 1,861 SH   SOLE   1,861 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 1,949 35,355 SH   SOLE   35,175 0 180
VERIZON COMMUNICATIONS INC COM 92343V104 124 2,242 SH   OTR   1,198 480 564
VIRCO MFG CO COM 927651109 26 10,000 SH   SOLE   10,000 0 0
VISA INC COM CL A 92826C839 1,996 10,334 SH   SOLE   10,245 0 89
VISA INC COM CL A 92826C839 211 1,094 SH   OTR   848 246 0
WEC ENERGY GROUP INC COM 92939U106 296 3,378 SH   SOLE   3,378 0 0
WALMART INC COM 931142103 118 988 SH   SOLE   988 0 0
WALMART INC COM 931142103 91 759 SH   OTR   759 0 0
WALGREENS BOOTS ALLIANCE INC COM 931427108 284 6,700 SH   SOLE   6,700 0 0
WALGREENS BOOTS ALLIANCE INC COM 931427108 22 512 SH   OTR   512 0 0
WASTE MGMT INC DEL COM 94106L109 1,411 13,320 SH   SOLE   13,320 0 0
WELLS FARGO CO NEW COM 949746101 779 30,414 SH   SOLE   29,479 0 935
WELLS FARGO CO NEW COM 949746101 16 640 SH   OTR   640 0 0
WENDYS CO COM 95058W100 217 9,981 SH   OTR   9,981 0 0
WIRELESS TELECOM GROUP INC COM 976524108 27 26,947 SH   SOLE   26,947 0 0
YUM BRANDS INC COM 988498101 1 8 SH   SOLE   8 0 0
YUM BRANDS INC COM 988498101 285 3,275 SH   OTR   3,275 0 0
ZIMMER BIOMET HOLDINGS INC COM 98956P102 868 7,273 SH   SOLE   7,213 0 60
ZIMMER BIOMET HOLDINGS INC COM 98956P102 27 230 SH   OTR   80 0 150