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
3M CO COM 88579Y101 538 3,613 SH   SOLE   0 0 3,613
ABBOTT LABS COM 002824100 5 46 SH   DFND 2 0 0 46
ABBOTT LABS COM 002824100 1,529 12,916 SH   SOLE   0 0 12,916
ABBVIE INC COM 00287Y109 2,164 13,352 SH   SOLE   0 0 13,352
ABERDEEN ASIA-PACIFIC INCOME COM 003009107 85 25,128 SH   SOLE   0 0 25,128
ALPHABET INC CAP STK CL A 02079K305 9,382 3,373 SH   SOLE   0 0 3,373
ALPHABET INC CAP STK CL C 02079K107 198 71 SH   SOLE   0 0 71
ALPHABET INC CAP STK CL C 02079K107 56 20 SH   DFND 2 0 0 20
ALTRIA GROUP INC COM 02209S103 358 6,845 SH   SOLE   0 0 6,845
AMAZON COM INC COM 023135106 1,454 446 SH   SOLE   0 0 446
AMAZON COM INC COM 023135106 121 37 SH   DFND 01, 02 0 0 37
AMGEN INC COM 031162100 481 1,987 SH   SOLE   0 0 1,987
AMPIO PHARMACEUTICALS INC COM 03209T109 5 10,000 SH   SOLE   0 0 10,000
APPLE INC COM 037833100 21,681 124,167 SH   SOLE   0 0 124,167
APPLE INC COM 037833100 83 476 SH   DFND 01, 02 0 0 476
APPLE INC COM 037833100 2 1,000 SH Call SOLE   0 0 1,000
AT&T INC COM 00206R102 350 14,797 SH   SOLE   0 0 14,797
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 900 2,550 SH   SOLE   0 0 2,550
BK OF AMERICA CORP COM 060505104 303 7,350 SH   SOLE   0 0 7,350
BOEING CO COM 097023105 5,144 26,860 SH   SOLE   0 0 26,860
BRISTOL-MYERS SQUIBB CO COM 110122108 4,671 63,953 SH   SOLE   0 0 63,953
CATERPILLAR INC COM 149123101 397 1,780 SH   SOLE   0 0 1,780
CHEVRON CORP NEW COM 166764100 1,448 8,894 SH   SOLE   0 0 8,894
CINCINNATI FINL CORP COM 172062101 533 3,918 SH   SOLE   0 0 3,918
CISCO SYS INC COM 17275R102 622 11,160 SH   SOLE   0 0 11,160
CISCO SYS INC COM 17275R102 0 500 SH Call SOLE   0 0 500
COCA COLA CO COM 191216100 326 5,251 SH   SOLE   0 0 5,251
COMMERCIAL METALS CO COM 201723103 5,328 128,019 SH   SOLE   0 0 128,019
CVS HEALTH CORP COM 126650100 300 2,967 SH   SOLE   0 0 2,967
CVS HEALTH CORP COM 126650100 1 500 SH Call SOLE   0 0 500
DEERE & CO COM 244199105 221 533 SH   SOLE   0 0 533
DISNEY WALT CO COM 254687106 5,071 36,972 SH   SOLE   0 0 36,972
DISNEY WALT CO COM 254687106 10 75 SH   DFND 1 0 0 75
EATON CORP PLC SHS G29183103 11 75 SH   DFND 1 0 0 75
EATON CORP PLC SHS G29183103 8,304 54,716 SH   SOLE   0 0 54,716
EVERSOURCE ENERGY COM 30040W108 450 5,097 SH   SOLE   0 0 5,097
EXELON CORP COM 30161N101 208 4,360 SH   SOLE   0 0 4,360
EXXON MOBIL CORP COM 30231G102 4,613 55,854 SH   SOLE   0 0 55,854
EXXON MOBIL CORP COM 30231G102 3 500 SH Call SOLE   0 0 500
FEDEX CORP COM 31428X106 5,057 21,852 SH   SOLE   0 0 21,852
FIRSTENERGY CORP COM 337932107 1,009 22,000 SH   SOLE   0 0 22,000
GOLDMAN SACHS GROUP INC COM 38141G104 8 24 SH   DFND 2 0 0 24
GOLDMAN SACHS GROUP INC COM 38141G104 6,443 19,518 SH   SOLE   0 0 19,518
GOODYEAR TIRE & RUBR CO COM 382550101 182 12,722 SH   SOLE   0 0 12,722
HOME DEPOT INC COM 437076102 10 33 SH   DFND 2 0 0 33
HOME DEPOT INC COM 437076102 4,827 16,124 SH   SOLE   0 0 16,124
HUNTINGTON BANCSHARES INC COM 446150104 527 36,080 SH   SOLE   0 0 36,080
INTEL CORP COM 458140100 6 113 SH   DFND 1 0 0 113
INTEL CORP COM 458140100 422 8,515 SH   SOLE   0 0 8,515
INTERNATIONAL BUSINESS MACHS COM 459200101 5,037 38,740 SH   SOLE   0 0 38,740
INTERNATIONAL BUSINESS MACHS COM 459200101 0 500 SH Call SOLE   0 0 500
INTERNATIONAL PAPER CO COM 460146103 3,570 77,358 SH   SOLE   0 0 77,358
ISHARES TR CORE S&P500 ETF 464287200 329 725 SH   SOLE   0 0 725
ISHARES TR MSCI EAFE ETF 464287465 867 11,785 SH   SOLE   0 0 11,785
ISHARES TR MSCI EMG MKT ETF 464287234 476 10,535 SH   SOLE   0 0 10,535
ISHARES TR RUS 1000 VAL ETF 464287598 370 2,230 SH   SOLE   0 0 2,230
ISHARES TR RUS 2000 VAL ETF 464287630 231 1,434 SH   SOLE   0 0 1,434
ISHARES TR TIPS BD ETF 464287176 237 1,902 SH   SOLE   0 0 1,902
JOHNSON & JOHNSON COM 478160104 8,165 46,069 SH   SOLE   0 0 46,069
JPMORGAN CHASE & CO COM 46625H100 8,440 61,911 SH   SOLE   0 0 61,911
LINDE PLC SHS G5494J103 61 192 SH   DFND 1 0 0 192
LINDE PLC SHS G5494J103 141 441 SH   SOLE   0 0 441
LOWES COS INC COM 548661107 5,310 26,260 SH   SOLE   0 0 26,260
MCDONALDS CORP COM 580135101 205 830 SH   SOLE   0 0 830
MCKESSON CORP COM 58155Q103 4 14 SH   DFND 3 0 0 14
MCKESSON CORP COM 58155Q103 4,436 14,490 SH   SOLE   0 0 14,490
MERCK & CO INC COM 58933Y105 518 6,318 SH   SOLE   0 0 6,318
META PLATFORMS INC CL A 30303M102 810 3,641 SH   SOLE   0 0 3,641
META PLATFORMS INC CL A 30303M102 38 173 SH   DFND 01, 02 0 0 173
MICROSOFT CORP COM 594918104 92 298 SH   DFND 01, 02 0 0 298
MICROSOFT CORP COM 594918104 14,888 48,286 SH   SOLE   0 0 48,286
NUVEEN INT DUR QUAL MUN TRM COM 670677103 228 16,778 SH   SOLE   0 0 16,778
NVIDIA CORPORATION COM 67066G104 68 251 SH   DFND 01, 02 0 0 251
NVIDIA CORPORATION COM 67066G104 236 865 SH   SOLE   0 0 865
OCCIDENTAL PETE CORP COM 674599105 227 4,000 SH   SOLE   0 0 4,000
PALO ALTO NETWORKS INC COM 697435105 27 43 SH   DFND 01, 03 0 0 43
PALO ALTO NETWORKS INC COM 697435105 7,980 12,820 SH   SOLE   0 0 12,820
PARKER-HANNIFIN CORP COM 701094104 233 820 SH   SOLE   0 0 820
PEPSICO INC COM 713448108 1,186 7,086 SH   SOLE   0 0 7,086
PFIZER INC COM 717081103 848 16,384 SH   SOLE   0 0 16,384
PHILIP MORRIS INTL INC COM 718172109 285 3,038 SH   SOLE   0 0 3,038
PROCTER AND GAMBLE CO COM 742718109 8,536 55,862 SH   SOLE   0 0 55,862
QUALCOMM INC COM 747525103 5,992 39,207 SH   SOLE   0 0 39,207
QUANTA SVCS INC COM 74762E102 2,460 18,691 SH   SOLE   0 0 18,691
RAYTHEON TECHNOLOGIES CORP COM 75513E101 5,653 57,053 SH   SOLE   0 0 57,053
RAYTHEON TECHNOLOGIES CORP COM 75513E101 12 126 SH   DFND 1 0 0 126
RAYTHEON TECHNOLOGIES CORP COM 75513E101 2 500 SH Call SOLE   0 0 500
ROCKWELL AUTOMATION INC COM 773903109 224 800 SH   SOLE   0 0 800
SHERWIN WILLIAMS CO COM 824348106 342 1,372 SH   SOLE   0 0 1,372
SOUTHERN CO COM 842587107 657 9,055 SH   SOLE   0 0 9,055
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,003 2,220 SH   SOLE   0 0 2,220
TELLURIAN INC NEW COM 87968A104 72 13,500 SH   SOLE   0 0 13,500
TESLA INC COM 88160R101 408 379 SH   SOLE   0 0 379
TESLA INC COM 88160R101 69 64 SH   DFND 2 0 0 64
TEXTRON INC COM 883203101 223 3,004 SH   SOLE   0 0 3,004
THERMO FISHER SCIENTIFIC INC COM 883556102 6,797 11,508 SH   SOLE   0 0 11,508
THERMO FISHER SCIENTIFIC INC COM 883556102 21 35 SH   DFND 1 0 0 35
UNION PAC CORP COM 907818108 5,762 21,091 SH   SOLE   0 0 21,091
VANGUARD BD INDEX FDS INTERMED TERM 921937819 1,221 14,909 SH   SOLE   0 0 14,909
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 1,520 6,823 SH   SOLE   0 0 6,823
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 1,624 10,850 SH   SOLE   0 0 10,850
VANGUARD INDEX FDS MID CAP ETF 922908629 375 1,575 SH   SOLE   0 0 1,575
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 691 1,665 SH   SOLE   0 0 1,665
VANGUARD INDEX FDS SM CP VAL ETF 922908611 2,582 14,676 SH   SOLE   0 0 14,676
VANGUARD INDEX FDS SMALL CP ETF 922908751 442 2,080 SH   SOLE   0 0 2,080
VANGUARD INDEX FDS SML CP GRW ETF 922908595 1,546 6,232 SH   SOLE   0 0 6,232
VANGUARD INDEX FDS VALUE ETF 922908744 2,627 17,778 SH   SOLE   0 0 17,778
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,224 26,542 SH   SOLE   0 0 26,542
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 518 8,325 SH   SOLE   0 0 8,325
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 1,404 17,980 SH   SOLE   0 0 17,980
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,553 32,330 SH   SOLE   0 0 32,330
VERIZON COMMUNICATIONS INC COM 92343V104 857 16,818 SH   SOLE   0 0 16,818
VISA INC COM CL A 92826C839 6,653 29,998 SH   SOLE   0 0 29,998
VISA INC COM CL A 92826C839 54 242 SH   DFND 01, 02 0 0 242