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 1,132 5,010 SH   SOLE   5,010 0 0
TRANE TECHNOLOGIES PLC SHS G8994E103 316 2,610 SH   SOLE   2,610 0 0
AT&T INC COM 00206R102 1,701 59,656 SH   SOLE   59,166 0 490
AT&T INC COM 00206R102 270 9,470 SH   OTR   5,602 3,868 0
ABBOTT LABS COM 002824100 986 9,063 SH   SOLE   9,063 0 0
ABBOTT LABS COM 002824100 66 609 SH   OTR   0 0 609
ABBVIE INC COM 00287Y109 800 9,130 SH   SOLE   9,130 0 0
ABBVIE INC COM 00287Y109 95 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 SYSTEMS INCORPORATED COM 00724F101 3,603 7,347 SH   SOLE   7,271 0 76
ADOBE SYSTEMS INCORPORATED COM 00724F101 234 478 SH   OTR   238 240 0
ALLIANT ENERGY CORP COM 018802108 542 10,500 SH   SOLE   10,500 0 0
ALPHABET INC CAP STK CL C 02079K107 660 449 SH   SOLE   449 0 0
ALPHABET INC CAP STK CL C 02079K107 148 101 SH   OTR   101 0 0
ALPHABET INC CAP STK CL A 02079K305 3,982 2,717 SH   SOLE   2,693 0 24
ALPHABET INC CAP STK CL A 02079K305 432 295 SH   OTR   236 59 0
ALTRIA GROUP INC COM 02209S103 536 13,875 SH   SOLE   13,875 0 0
ALTRIA GROUP INC COM 02209S103 4 100 SH   OTR   0 0 100
AMAZON COM INC COM 023135106 5,230 1,661 SH   SOLE   1,642 0 19
AMAZON COM INC COM 023135106 1,688 536 SH   OTR   494 42 0
AMERICAN EXPRESS CO COM 025816109 2,378 23,718 SH   SOLE   23,561 0 157
AMERICAN EXPRESS CO COM 025816109 173 1,728 SH   OTR   706 822 200
AMER STATES WTR CO COM 029899101 449 5,995 SH   SOLE   5,995 0 0
AMER STATES WTR CO COM 029899101 225 3,000 SH   OTR   3,000 0 0
AMERICAN WTR WKS CO INC NEW COM 030420103 4,401 30,378 SH   SOLE   30,156 0 222
AMERICAN WTR WKS CO INC NEW COM 030420103 228 1,576 SH   OTR   752 524 300
AMERIPRISE FINL INC COM 03076C106 322 2,092 SH   SOLE   2,092 0 0
AMGEN INC COM 031162100 4,494 17,682 SH   SOLE   17,523 0 159
AMGEN INC COM 031162100 1,150 4,523 SH   OTR   1,440 2,933 150
APPLE INC COM 037833100 15,653 135,160 SH   SOLE   132,902 0 2,258
APPLE INC COM 037833100 2,805 24,224 SH   OTR   18,436 4,988 800
AVISTA CORP COM 05379B107 424 12,434 SH   SOLE   12,434 0 0
BK OF AMERICA CORP COM 060505104 280 11,643 SH   SOLE   8,243 0 3,400
BANK NEW YORK MELLON CORP COM 064058100 929 27,056 SH   SOLE   26,665 0 391
BANK NEW YORK MELLON CORP COM 064058100 7 200 SH   OTR   200 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 1,600 5 SH   SOLE   5 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 2,240 7 SH   OTR   7 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 6,493 30,491 SH   SOLE   24,538 0 5,953
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 217 1,018 SH   OTR   613 0 405
BOEING CO COM 097023105 2,396 14,501 SH   SOLE   14,351 0 150
BOEING CO COM 097023105 112 677 SH   OTR   377 125 175
CIGNA CORP NEW COM 125523100 1,242 7,329 SH   SOLE   7,329 0 0
CIGNA CORP NEW COM 125523100 20 121 SH   OTR   121 0 0
CALIFORNIA WTR SVC GROUP COM 130788102 683 15,718 SH   SOLE   15,718 0 0
CHEVRON CORP NEW COM 166764100 2,719 37,759 SH   SOLE   37,192 0 567
CHEVRON CORP NEW COM 166764100 1,009 14,019 SH   OTR   7,120 6,645 254
CHURCH & DWIGHT INC COM 171340102 265 2,826 SH   SOLE   2,826 0 0
CISCO SYS INC COM 17275R102 348 8,835 SH   SOLE   8,835 0 0
CISCO SYS INC COM 17275R102 57 1,450 SH   OTR   1,450 0 0
COCA COLA CO COM 191216100 160 3,249 SH   SOLE   3,249 0 0
COCA COLA CO COM 191216100 281 5,700 SH   OTR   5,700 0 0
COLGATE PALMOLIVE CO COM 194162103 216 2,801 SH   SOLE   2,506 0 295
COLGATE PALMOLIVE CO COM 194162103 41 534 SH   OTR   0 0 534
COMCAST CORP NEW CL A 20030N101 970 20,960 SH   SOLE   20,960 0 0
COMCAST CORP NEW CL A 20030N101 121 2,625 SH   OTR   2,625 0 0
CONOCOPHILLIPS COM 20825C104 529 16,121 SH   SOLE   15,734 0 387
CONOCOPHILLIPS COM 20825C104 23 715 SH   OTR   475 240 0
COSTCO WHSL CORP NEW COM 22160K105 6,734 18,970 SH   SOLE   18,825 0 145
COSTCO WHSL CORP NEW COM 22160K105 272 767 SH   OTR   226 351 190
DANAHER CORPORATION COM 235851102 2,016 9,363 SH   SOLE   9,229 0 134
DANAHER CORPORATION COM 235851102 69 320 SH   OTR   200 120 0
DISNEY WALT CO COM DISNEY 254687106 3,386 27,290 SH   SOLE   26,866 0 424
DISNEY WALT CO COM DISNEY 254687106 700 5,644 SH   OTR   2,924 2,390 330
EASTMAN CHEM CO COM 277432100 281 3,600 SH   SOLE   3,600 0 0
ECOLAB INC COM 278865100 172 859 SH   SOLE   859 0 0
ECOLAB INC COM 278865100 40 200 SH   OTR   200 0 0
EDISON INTL COM 281020107 605 11,898 SH   SOLE   11,898 0 0
ENERGIZER HLDGS INC NEW COM 29272W109 442 11,300 SH   SOLE   11,300 0 0
EXXON MOBIL CORP COM 30231G102 1,808 52,656 SH   SOLE   52,185 0 471
EXXON MOBIL CORP COM 30231G102 600 17,479 SH   OTR   5,190 8,769 3,520
FACEBOOK INC CL A 30303M102 671 2,561 SH   SOLE   2,561 0 0
FACEBOOK INC CL A 30303M102 60 231 SH   OTR   231 0 0
FARMERS & MERCHANTS BK LONG COM 308243104 32,057 5,257 SH   SOLE   5,250 0 7
FARMERS & MERCHANTS BK LONG COM 308243104 8,818 1,446 SH   OTR   11 168 1,267
FIDELITY NATL INFORMATION SV COM 31620M106 205 1,393 SH   SOLE   1,393 0 0
FORTIVE CORP COM 34959J108 981 12,870 SH   SOLE   12,701 0 169
FORTIVE CORP COM 34959J108 99 1,302 SH   OTR   330 972 0
GENERAL DYNAMICS CORP COM 369550108 173 1,251 SH   SOLE   1,251 0 0
GENERAL DYNAMICS CORP COM 369550108 120 866 SH   OTR   327 0 539
GENERAL ELECTRIC CO COM 369604103 124 19,907 SH   SOLE   19,907 0 0
GENERAL ELECTRIC CO COM 369604103 39 6,200 SH   OTR   5,800 0 400
GENERAL MLS INC COM 370334104 227 3,688 SH   SOLE   3,688 0 0
GENERAL MLS INC COM 370334104 31 500 SH   OTR   500 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 921 4,582 SH   SOLE   4,500 0 82
GOLDMAN SACHS GROUP INC COM 38141G104 54 270 SH   OTR   190 80 0
HOME DEPOT INC COM 437076102 856 3,082 SH   SOLE   3,082 0 0
HOME DEPOT INC COM 437076102 373 1,342 SH   OTR   382 960 0
HONEYWELL INTL INC COM 438516106 1,293 7,855 SH   SOLE   7,464 0 391
HONEYWELL INTL INC COM 438516106 543 3,298 SH   OTR   2,761 0 537
ILLINOIS TOOL WKS INC COM 452308109 179 925 SH   SOLE   925 0 0
ILLINOIS TOOL WKS INC COM 452308109 39 203 SH   OTR   203 0 0
INTEL CORP COM 458140100 340 6,569 SH   SOLE   6,569 0 0
INTEL CORP COM 458140100 200 3,862 SH   OTR   3,862 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 233 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 1 14,000 SH   SOLE   14,000 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 205 737 SH   SOLE   737 0 0
ISHARES TR SELECT DIVID ETF 464287168 564 6,914 SH   SOLE   6,914 0 0
ISHARES TR SELECT DIVID ETF 464287168 33 400 SH   OTR   400 0 0
ISHARES TR CORE S&P500 ETF 464287200 515 1,533 SH   SOLE   1,533 0 0
ISHARES TR CORE S&P500 ETF 464287200 385 1,145 SH   OTR   1,145 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 1,424 32,302 SH   SOLE   32,118 0 184
ISHARES TR MSCI EMG MKT ETF 464287234 11 250 SH   OTR   250 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 208 900 SH   SOLE   900 0 0
ISHARES TR S&P 500 VAL ETF 464287408 707 6,287 SH   SOLE   6,287 0 0
ISHARES TR MSCI EAFE ETF 464287465 3,142 49,361 SH   SOLE   47,451 0 1,910
ISHARES TR MSCI EAFE ETF 464287465 328 5,150 SH   OTR   3,550 1,600 0
ISHARES TR RUS MDCP VAL ETF 464287473 532 6,579 SH   SOLE   6,504 0 75
ISHARES TR RUS MID CAP ETF 464287499 666 11,610 SH   SOLE   11,190 0 420
ISHARES TR RUS 1000 VAL ETF 464287598 639 5,411 SH   SOLE   5,411 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 234 1,078 SH   SOLE   1,078 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 1,987 13,268 SH   SOLE   13,268 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 78 522 SH   OTR   522 0 0
ISHARES TR CORE S&P SCP ETF 464287804 220 3,137 SH   OTR   3,137 0 0
ISHARES TR EAFE GRWTH ETF 464288885 1,533 17,060 SH   SOLE   17,060 0 0
ISHARES TR EAFE GRWTH ETF 464288885 31 340 SH   OTR   340 0 0
JPMORGAN CHASE & CO COM 46625H100 3,669 38,112 SH   SOLE   36,484 0 1,628
JPMORGAN CHASE & CO COM 46625H100 399 4,146 SH   OTR   3,005 937 204
JOHNSON & JOHNSON COM 478160104 2,261 15,185 SH   SOLE   14,980 0 205
JOHNSON & JOHNSON COM 478160104 700 4,700 SH   OTR   4,460 100 140
KIMBERLY-CLARK CORP COM 494368103 647 4,382 SH   SOLE   4,226 0 156
KIMBERLY-CLARK CORP COM 494368103 141 953 SH   OTR   475 478 0
LAUDER ESTEE COS INC CL A 518439104 238 1,092 SH   SOLE   1,092 0 0
LILLY ELI & CO COM 532457108 627 4,235 SH   SOLE   4,235 0 0
LOCKHEED MARTIN CORP COM 539830109 1,028 2,683 SH   SOLE   2,683 0 0
LOCKHEED MARTIN CORP COM 539830109 28 73 SH   OTR   73 0 0
MARATHON PETE CORP COM 56585A102 125 4,250 SH   SOLE   4,250 0 0
MARATHON PETE CORP COM 56585A102 127 4,340 SH   OTR   4,340 0 0
MASTERCARD INCORPORATED CL A 57636Q104 563 1,666 SH   SOLE   1,666 0 0
MASTERCARD INCORPORATED CL A 57636Q104 52 154 SH   OTR   154 0 0
MCCORMICK & CO INC COM NON VTG 579780206 233 1,202 SH   SOLE   1,202 0 0
MCDONALDS CORP COM 580135101 304 1,386 SH   SOLE   1,386 0 0
MCKESSON CORP COM 58155Q103 286 1,919 SH   SOLE   1,919 0 0
MERCK & CO. INC COM 58933Y105 717 8,646 SH   SOLE   8,474 0 172
MERCK & CO. INC COM 58933Y105 197 2,378 SH   OTR   459 1,919 0
MICROSOFT CORP COM 594918104 10,668 50,720 SH   SOLE   49,703 0 1,017
MICROSOFT CORP COM 594918104 3,071 14,603 SH   OTR   13,633 620 350
MIDDLESEX WTR CO COM 596680108 352 5,660 SH   SOLE   5,660 0 0
MONDELEZ INTL INC CL A 609207105 1,489 25,911 SH   SOLE   25,670 0 241
MONDELEZ INTL INC CL A 609207105 65 1,124 SH   OTR   944 180 0
MOTOROLA SOLUTIONS INC COM NEW 620076307 1,699 10,835 SH   SOLE   10,683 0 152
MOTOROLA SOLUTIONS INC COM NEW 620076307 119 756 SH   OTR   380 376 0
MUSCLEPHARM CORP COM NEW 627335201 1 17,320 SH   SOLE   17,320 0 0
NESTLE S A SPONSORED ADR 641069406 2,690 22,602 SH   SOLE   22,371 0 231
NESTLE S A SPONSORED ADR 641069406 104 876 SH   OTR   432 144 300
NETFLIX INC COM 64110L106 207 414 SH   SOLE   414 0 0
NETFLIX INC COM 64110L106 3 5 SH   OTR   5 0 0
NEW JERSEY RES CORP COM 646025106 603 22,301 SH   SOLE   22,301 0 0
NEWMONT CORP COM 651639106 2,394 37,735 SH   SOLE   37,235 0 500
NEWMONT CORP COM 651639106 207 3,265 SH   OTR   1,905 1,360 0
NEXTERA ENERGY INC COM 65339F101 407 1,465 SH   SOLE   1,465 0 0
NEXTERA ENERGY INC COM 65339F101 29 106 SH   OTR   106 0 0
NIKE INC CL B 654106103 3,350 26,681 SH   SOLE   26,332 0 349
NIKE INC CL B 654106103 118 941 SH   OTR   429 132 380
NON INVASIVE MONITORING SYS COM NEW 655366508 4 192,818 SH   SOLE   192,818 0 0
NORTHROP GRUMMAN CORP COM 666807102 2,014 6,384 SH   SOLE   6,355 0 29
NORTHROP GRUMMAN CORP COM 666807102 60 189 SH   OTR   189 0 0
OPKO HEALTH INC COM 68375N103 92 25,000 SH   SOLE   25,000 0 0
ORACLE CORP COM 68389X105 2,639 44,205 SH   SOLE   43,685 0 520
ORACLE CORP COM 68389X105 241 4,032 SH   OTR   1,725 1,607 700
PARKER-HANNIFIN CORP COM 701094104 310 1,530 SH   SOLE   1,530 0 0
PARKER-HANNIFIN CORP COM 701094104 20 100 SH   OTR   100 0 0
PAYPAL HLDGS INC COM 70450Y103 373 1,891 SH   SOLE   1,891 0 0
PAYPAL HLDGS INC COM 70450Y103 2 11 SH   OTR   11 0 0
PEPSICO INC COM 713448108 833 6,011 SH   SOLE   6,011 0 0
PEPSICO INC COM 713448108 75 540 SH   OTR   540 0 0
PFIZER INC COM 717081103 1,456 39,677 SH   SOLE   39,418 0 259
PFIZER INC COM 717081103 199 5,433 SH   OTR   1,552 1,880 2,001
PHILIP MORRIS INTL INC COM 718172109 713 9,502 SH   SOLE   9,502 0 0
PHILIP MORRIS INTL INC COM 718172109 8 107 SH   OTR   0 0 107
PHILLIPS 66 COM 718546104 248 4,793 SH   SOLE   4,793 0 0
PHILLIPS 66 COM 718546104 10 200 SH   OTR   200 0 0
POST HLDGS INC COM 737446104 388 4,510 SH   SOLE   4,510 0 0
PROCTER AND GAMBLE CO COM 742718109 2,424 17,440 SH   SOLE   17,440 0 0
PROCTER AND GAMBLE CO COM 742718109 42 300 SH   OTR   300 0 0
QUEEN CITY INVTS INC CAP STK 74823W109 3,840 3,938 SH   SOLE   3,938 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 270 4,696 SH   SOLE   4,696 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 128 2,233 SH   OTR   2,233 0 0
REPUBLIC SVCS INC COM 760759100 1,050 11,250 SH   SOLE   11,250 0 0
ROCKWELL AUTOMATION INC COM 773903109 265 1,200 SH   SOLE   1,200 0 0
ROPER TECHNOLOGIES INC COM 776696106 201 508 SH   SOLE   508 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 896 2,675 SH   SOLE   2,675 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 204 610 SH   OTR   610 0 0
SPDR GOLD TR GOLD SHS 78463V107 195 1,102 SH   SOLE   822 0 280
SPDR GOLD TR GOLD SHS 78463V107 32 178 SH   OTR   178 0 0
SPDR INDEX SHS FDS ASIA PACIF ETF 78463X301 390 3,500 SH   SOLE   3,500 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 1,658 4,892 SH   SOLE   4,892 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 44 130 SH   OTR   130 0 0
SALESFORCE COM INC COM 79466L302 473 1,882 SH   SOLE   1,882 0 0
SALESFORCE COM INC COM 79466L302 34 134 SH   OTR   134 0 0
SEMPRA ENERGY COM 816851109 347 2,928 SH   SOLE   2,928 0 0
SHERWIN WILLIAMS CO COM 824348106 236 339 SH   SOLE   339 0 0
SOUTHERN CO COM 842587107 772 14,244 SH   SOLE   14,019 0 225
SOUTHERN CO COM 842587107 11 200 SH   OTR   200 0 0
STARBUCKS CORP COM 855244109 1,011 11,772 SH   SOLE   11,616 0 156
STARBUCKS CORP COM 855244109 121 1,408 SH   OTR   636 772 0
TJX COS INC NEW COM 872540109 1,400 25,156 SH   SOLE   25,156 0 0
TARGET CORP COM 87612E106 612 3,886 SH   SOLE   3,886 0 0
TARGET CORP COM 87612E106 10 65 SH   OTR   65 0 0
TC ENERGY CORP COM 87807B107 281 6,690 SH   SOLE   6,690 0 0
TESLA INC COM 88160R101 477 1,112 SH   SOLE   1,112 0 0
TEXAS PAC LD TR SUB CTF PROP I T 882610108 203 450 SH   SOLE   450 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 249 564 SH   SOLE   564 0 0
3M CO COM 88579Y101 498 3,107 SH   SOLE   3,037 0 70
3M CO COM 88579Y101 65 404 SH   OTR   404 0 0
TRAVELERS COMPANIES INC COM 89417E109 190 1,752 SH   SOLE   1,752 0 0
TRAVELERS COMPANIES INC COM 89417E109 118 1,088 SH   OTR   1,088 0 0
US BANCORP DEL COM NEW 902973304 1,144 31,898 SH   SOLE   31,581 0 317
US BANCORP DEL COM NEW 902973304 53 1,470 SH   OTR   1,230 240 0
UNION PAC CORP COM 907818108 444 2,256 SH   SOLE   2,256 0 0
UNION PAC CORP COM 907818108 36 184 SH   OTR   184 0 0
UNITED PARCEL SERVICE INC CL B 911312106 512 3,075 SH   SOLE   3,075 0 0
UNITED PARCEL SERVICE INC CL B 911312106 280 1,678 SH   OTR   400 1,278 0
UNITEDHEALTH GROUP INC COM 91324P102 5,650 18,121 SH   SOLE   18,001 0 120
UNITEDHEALTH GROUP INC COM 91324P102 209 670 SH   OTR   197 339 134
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 260 1,273 SH   SOLE   1,273 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 615 2,000 SH   SOLE   2,000 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 277 1,803 SH   SOLE   1,803 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 2,061 34,645 SH   SOLE   34,420 0 225
VERIZON COMMUNICATIONS INC COM 92343V104 166 2,789 SH   OTR   1,164 1,061 564
VIRCO MFG CO COM 927651109 22 10,000 SH   SOLE   10,000 0 0
VISA INC COM CL A 92826C839 2,238 11,192 SH   SOLE   11,073 0 119
VISA INC COM CL A 92826C839 260 1,299 SH   OTR   838 461 0
WEC ENERGY GROUP INC COM 92939U106 324 3,345 SH   SOLE   3,345 0 0
WALMART INC COM 931142103 185 1,320 SH   SOLE   1,320 0 0
WALMART INC COM 931142103 105 750 SH   OTR   750 0 0
WALGREENS BOOTS ALLIANCE INC COM 931427108 241 6,700 SH   SOLE   6,700 0 0
WALGREENS BOOTS ALLIANCE INC COM 931427108 28 792 SH   OTR   792 0 0
WASTE MGMT INC DEL COM 94106L109 1,504 13,291 SH   SOLE   13,291 0 0
WELLS FARGO CO NEW COM 949746101 710 30,209 SH   SOLE   29,274 0 935
WELLS FARGO CO NEW COM 949746101 15 640 SH   OTR   640 0 0
WENDYS CO COM 95058W100 223 9,981 SH   OTR   9,981 0 0
WIRELESS TELECOM GROUP INC COM 976524108 36 26,000 SH   SOLE   26,000 0 0
YUM BRANDS INC COM 988498101 4 48 SH   SOLE   48 0 0
YUM BRANDS INC COM 988498101 299 3,275 SH   OTR   3,275 0 0
ZIMMER BIOMET HOLDINGS INC COM 98956P102 976 7,168 SH   SOLE   7,108 0 60
ZIMMER BIOMET HOLDINGS INC COM 98956P102 31 230 SH   OTR   80 0 150