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 Common Stock 88579Y101 1,011 5,246 SH   SOLE   5,246 0 0
3M CO Common Stock 88579Y101 716 3,717 SH   OTR   3,717 0 0
ABBOTT LABORATORIES Common Stock 002824100 2,516 20,993 SH   SOLE   20,993 0 0
ABBOTT LABORATORIES Common Stock 002824100 240 2,000 SH   OTR   2,000 0 0
ABBVIE INC Common Stock 00287Y109 1,265 11,691 SH   SOLE   11,691 0 0
ABBVIE INC Common Stock 00287Y109 76 701 SH   OTR   701 0 0
ACCENTURE PLC Int'l Common Stock G1151C101 939 3,399 SH   SOLE   3,399 0 0
ACCENTURE PLC Int'l Common Stock G1151C101 175 633 SH   OTR   633 0 0
AFLAC INC Common Stock 001055102 737 14,400 SH   SOLE   14,400 0 0
AFLAC INC Common Stock 001055102 134 2,618 SH   OTR   2,618 0 0
ALPHABET INC Common Stock 02079K107 2,528 1,222 SH   SOLE   1,222 0 0
ALPHABET INC Common Stock 02079K107 391 189 SH   OTR   189 0 0
ALPHABET INC Common Stock 02079K305 1,611 781 SH   SOLE   781 0 0
ALPHABET INC Common Stock 02079K305 194 94 SH   OTR   94 0 0
ALTRIA GROUP INC Common Stock 02209S103 816 15,951 SH   SOLE   15,951 0 0
AMAZON.COM INC Common Stock 023135106 1,414 457 SH   SOLE   457 0 0
AMAZON.COM INC Common Stock 023135106 130 42 SH   OTR   42 0 0
AMERICAN EXPRESS CO Common Stock 025816109 442 3,123 SH   SOLE   3,123 0 0
AMERICAN EXPRESS CO Common Stock 025816109 116 820 SH   OTR   820 0 0
AMERICAN TOWER CORP Common Stock 03027X100 239 1,001 SH   SOLE   1,001 0 0
AMERICAN WATER WORKS COMPANY INC Common Stock 030420103 739 4,928 SH   SOLE   4,928 0 0
AMERICAN WATER WORKS COMPANY INC Common Stock 030420103 15 100 SH   OTR   100 0 0
AMGEN INC Common Stock 031162100 1,174 4,719 SH   SOLE   4,719 0 0
APPLE INC Common Stock 037833100 7,588 62,118 SH   SOLE   62,118 0 0
APPLE INC Common Stock 037833100 656 5,372 SH   OTR   5,372 0 0
APPLIED MATERIALS INC Common Stock 038222105 35 262 SH   SOLE   262 0 0
APPLIED MATERIALS INC Common Stock 038222105 531 3,975 SH   OTR   3,975 0 0
ARTHUR J GALLAGHER & CO Common Stock 363576109 412 3,300 SH   SOLE   3,300 0 0
AT&T INC Common Stock 00206R102 346 11,431 SH   SOLE   11,431 0 0
AUTOMATIC DATA PROCESSING INC Common Stock 053015103 622 3,300 SH   SOLE   3,300 0 0
BANK OF AMERICA CORP Common Stock 060505104 419 10,836 SH   SOLE   10,836 0 0
BANK OF AMERICA CORP Common Stock 060505104 46 1,200 SH   OTR   1,200 0 0
BAXTER INTERNATIONAL INC Common Stock 071813109 525 6,220 SH   SOLE   6,220 0 0
BAXTER INTERNATIONAL INC Common Stock 071813109 65 770 SH   OTR   770 0 0
BECTON DICKINSON AND CO Common Stock 075887109 316 1,299 SH   SOLE   1,299 0 0
BERKSHIRE HATHAWAY INC Common Stock 084670702 2,114 8,275 SH   SOLE   8,275 0 0
BERKSHIRE HATHAWAY INC Common Stock 084670702 332 1,300 SH   OTR   1,300 0 0
BLACKROCK INC Common Stock 09247X101 412 546 SH   SOLE   546 0 0
BLACKROCK INC Common Stock 09247X101 34 45 SH   OTR   45 0 0
BOEING CO Common Stock 097023105 294 1,156 SH   SOLE   1,156 0 0
BRISTOL-MYERS SQUIBB CO Common Stock 110122108 415 6,571 SH   SOLE   6,571 0 0
BRISTOL-MYERS SQUIBB CO Common Stock 110122108 57 900 SH   OTR   900 0 0
CANADIAN PACIFIC RAILWAY LTD Int'l Common Stock 13645T100 740 1,950 SH   SOLE   1,950 0 0
CATERPILLAR INC Common Stock 149123101 228 985 SH   SOLE   985 0 0
CATERPILLAR INC Common Stock 149123101 429 1,850 SH   OTR   1,850 0 0
CHEVRON CORP Common Stock 166764100 1,750 16,702 SH   SOLE   16,702 0 0
CHEVRON CORP Common Stock 166764100 381 3,636 SH   OTR   3,636 0 0
CISCO SYSTEMS INC Common Stock 17275R102 699 13,521 SH   SOLE   13,521 0 0
CISCO SYSTEMS INC Common Stock 17275R102 290 5,605 SH   OTR   5,605 0 0
CITIGROUP INC Common Stock 172967424 633 8,706 SH   SOLE   8,706 0 0
CITIGROUP INC Common Stock 172967424 47 647 SH   OTR   647 0 0
CME GROUP INC Common Stock 12572Q105 212 1,040 SH   SOLE   1,040 0 0
CMS ENERGY CORP Common Stock 125896100 239 3,900 SH   SOLE   3,900 0 0
COCA-COLA CO Common Stock 191216100 696 13,210 SH   SOLE   13,210 0 0
COCA-COLA CO Common Stock 191216100 491 9,317 SH   OTR   9,317 0 0
COGNIZANT TECHNOLOGY SOLUTIONS CORP Common Stock 192446102 388 4,965 SH   SOLE   4,965 0 0
COGNIZANT TECHNOLOGY SOLUTIONS CORP Common Stock 192446102 20 250 SH   OTR   250 0 0
COLGATE-PALMOLIVE CO Common Stock 194162103 266 3,378 SH   SOLE   3,378 0 0
COLGATE-PALMOLIVE CO Common Stock 194162103 215 2,726 SH   OTR   2,726 0 0
COMCAST CORP Common Stock 20030N101 390 7,206 SH   SOLE   7,206 0 0
COMCAST CORP Common Stock 20030N101 89 1,650 SH   OTR   1,650 0 0
CONOCOPHILLIPS Common Stock 20825C104 298 5,618 SH   SOLE   5,618 0 0
COSTCO WHOLESALE CORP Common Stock 22160K105 506 1,436 SH   SOLE   1,436 0 0
COSTCO WHOLESALE CORP Common Stock 22160K105 18 52 SH   OTR   52 0 0
CVS HEALTH CORP Common Stock 126650100 668 8,873 SH   SOLE   8,873 0 0
CVS HEALTH CORP Common Stock 126650100 78 1,038 SH   OTR   1,038 0 0
DANAHER CORP Common Stock 235851102 2,714 12,060 SH   SOLE   12,060 0 0
DANAHER CORP Common Stock 235851102 260 1,154 SH   OTR   1,154 0 0
DEERE & CO Common Stock 244199105 1,117 2,985 SH   SOLE   2,985 0 0
DEERE & CO Common Stock 244199105 673 1,800 SH   OTR   1,800 0 0
DOMINION ENERGY INC Common Stock 25746U109 767 10,102 SH   SOLE   10,102 0 0
DOMINION ENERGY INC Common Stock 25746U109 172 2,260 SH   OTR   2,260 0 0
DUKE ENERGY CORP Common Stock 26441C204 193 2,001 SH   SOLE   2,001 0 0
DUKE ENERGY CORP Common Stock 26441C204 48 500 SH   OTR   500 0 0
ELI LILLY AND CO Common Stock 532457108 635 3,400 SH   SOLE   3,400 0 0
EXELON CORP Common Stock 30161N101 457 10,454 SH   SOLE   10,454 0 0
EXXON MOBIL CORP Common Stock 30231G102 2,330 41,739 SH   SOLE   41,739 0 0
EXXON MOBIL CORP Common Stock 30231G102 626 11,206 SH   OTR   11,206 0 0
FACEBOOK INC Common Stock 30303M102 415 1,408 SH   SOLE   1,408 0 0
FISERV INC Common Stock 337738108 710 5,967 SH   SOLE   5,967 0 0
FISERV INC Common Stock 337738108 136 1,141 SH   OTR   1,141 0 0
FLEXSHARES IBOXX 3-YEAR TARGET DURATION TIPS INDEX Fixed Income ETF 33939L506 4,274 162,071 SH   SOLE   162,071 0 0
FLEXSHARES IBOXX 3-YEAR TARGET DURATION TIPS INDEX Fixed Income ETF 33939L506 119 4,519 SH   OTR   4,519 0 0
FLEXSHARES IBOXX 5-YEAR TARGET DURATION TIPS INDEX Fixed Income ETF 33939L605 3,850 139,090 SH   SOLE   139,090 0 0
FLEXSHARES IBOXX 5-YEAR TARGET DURATION TIPS INDEX Fixed Income ETF 33939L605 539 19,469 SH   OTR   19,469 0 0
FLEXSHARES QUALITY DIVIDEND INDEX FUND Exchange Traded Fund 33939L860 19,150 359,291 SH   SOLE   359,291 0 0
FLEXSHARES QUALITY DIVIDEND INDEX FUND Exchange Traded Fund 33939L860 1,007 18,886 SH   OTR   18,886 0 0
FLEXSHS MORNINGSTAR GLBL UPSTEAM NTRL RES IDX FD Exchange Traded Fund 33939L407 5,990 165,508 SH   SOLE   165,508 0 0
FLEXSHS MORNINGSTAR GLBL UPSTEAM NTRL RES IDX FD Exchange Traded Fund 33939L407 354 9,792 SH   OTR   9,792 0 0
FORTIVE CORP Common Stock 34959J108 475 6,731 SH   SOLE   6,731 0 0
FORTIVE CORP Common Stock 34959J108 28 399 SH   OTR   399 0 0
GENERAL DYNAMICS CORP Common Stock 369550108 264 1,452 SH   SOLE   1,452 0 0
GENERAL MILLS INC Common Stock 370334104 389 6,341 SH   SOLE   6,341 0 0
GENERAL MILLS INC Common Stock 370334104 15 246 SH   OTR   246 0 0
HALLIBURTON CO Common Stock 406216101 398 18,550 SH   SOLE   18,550 0 0
HALLIBURTON CO Common Stock 406216101 78 3,639 SH   OTR   3,639 0 0
HCA HEALTHCARE INC Common Stock 40412C101 412 2,190 SH   SOLE   2,190 0 0
HCA HEALTHCARE INC Common Stock 40412C101 66 350 SH   OTR   350 0 0
HOME DEPOT INC Common Stock 437076102 400 1,309 SH   SOLE   1,309 0 0
HONEYWELL INTERNATIONAL INC Common Stock 438516106 861 3,968 SH   SOLE   3,968 0 0
IAC/INTERACTIVECORP Common Stock 44891N109 324 1,500 SH   SOLE   1,500 0 0
INTEL CORP Common Stock 458140100 2,345 36,637 SH   SOLE   36,637 0 0
INTEL CORP Common Stock 458140100 221 3,450 SH   OTR   3,450 0 0
INTERCONTINENTAL EXCHANGE INC Common Stock 45866F104 399 3,570 SH   SOLE   3,570 0 0
INTERCONTINENTAL EXCHANGE INC Common Stock 45866F104 22 200 SH   OTR   200 0 0
ISHARES CORE S&P SMALL-CAP ETF Exchange Traded Fund 464287804 2,714 25,011 SH   SOLE   25,011 0 0
ISHARES CORE S&P SMALL-CAP ETF Exchange Traded Fund 464287804 159 1,464 SH   OTR   1,464 0 0
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ET Fixed Income ETF 464287242 601 4,625 SH   SOLE   4,625 0 0
ISHARES MSCI EAFE ETF International Equity ETF 464287465 612 8,069 SH   SOLE   8,069 0 0
ISHARES S&P MIDCAP 400 INDEX FUND Exchange Traded Fund 464287507 1,623 6,235 SH   SOLE   6,235 0 0
ISHARES S&P MIDCAP 400 INDEX FUND Exchange Traded Fund 464287507 307 1,180 SH   OTR   1,180 0 0
JOHNSON & JOHNSON Common Stock 478160104 1,729 10,521 SH   SOLE   10,521 0 0
JOHNSON & JOHNSON Common Stock 478160104 744 4,525 SH   OTR   4,525 0 0
JPMORGAN CHASE & CO Common Stock 46625H100 2,869 18,849 SH   SOLE   18,849 0 0
JPMORGAN CHASE & CO Common Stock 46625H100 148 970 SH   OTR   970 0 0
KIMBERLY-CLARK CORP Common Stock 494368103 46 331 SH   SOLE   331 0 0
KIMBERLY-CLARK CORP Common Stock 494368103 181 1,300 SH   OTR   1,300 0 0
LABORATORY CORPORATION OF AMERICA HOLDINGS Common Stock 50540R409 255 1,000 SH   SOLE   1,000 0 0
LINDE PLC Int'l Common Stock G5494J103 384 1,372 SH   SOLE   1,372 0 0
LINDE PLC Int'l Common Stock G5494J103 28 100 SH   OTR   100 0 0
LOWE'S COMPANIES INC Common Stock 548661107 2,185 11,489 SH   SOLE   11,489 0 0
LOWE'S COMPANIES INC Common Stock 548661107 780 4,102 SH   OTR   4,102 0 0
MARSH & MCLENNAN COMPANIES INC Common Stock 571748102 502 4,124 SH   SOLE   4,124 0 0
MARSH & MCLENNAN COMPANIES INC Common Stock 571748102 22 180 SH   OTR   180 0 0
MASTERCARD INC Common Stock 57636Q104 1,285 3,608 SH   SOLE   3,608 0 0
MASTERCARD INC Common Stock 57636Q104 107 300 SH   OTR   300 0 0
MATCH GROUP INC Common Stock 57667L107 280 2,037 SH   SOLE   2,037 0 0
MCDONALD'S CORP Common Stock 580135101 1,679 7,493 SH   SOLE   7,493 0 0
MCDONALD'S CORP Common Stock 580135101 125 558 SH   OTR   558 0 0
MEDTRONIC PLC Int'l Common Stock G5960L103 784 6,635 SH   SOLE   6,635 0 0
MERCK & CO INC Common Stock 58933Y105 682 8,851 SH   SOLE   8,851 0 0
MERCK & CO INC Common Stock 58933Y105 192 2,488 SH   OTR   2,488 0 0
MICROSOFT CORP Common Stock 594918104 6,140 26,042 SH   SOLE   26,042 0 0
MICROSOFT CORP Common Stock 594918104 83 350 SH   OTR   350 0 0
MONDELEZ INTERNATIONAL INC Common Stock 609207105 293 5,013 SH   SOLE   5,013 0 0
NEXTERA ENERGY INC Common Stock 65339F101 992 13,124 SH   SOLE   13,124 0 0
NEXTERA ENERGY INC Common Stock 65339F101 481 6,360 SH   OTR   6,360 0 0
NIKE INC Common Stock 654106103 2,321 17,464 SH   SOLE   17,464 0 0
NORFOLK SOUTHERN CORP Common Stock 655844108 1,133 4,218 SH   SOLE   4,218 0 0
NORFOLK SOUTHERN CORP Common Stock 655844108 54 200 SH   OTR   200 0 0
NUCOR CORP Common Stock 670346105 246 3,061 SH   SOLE   3,061 0 0
NUCOR CORP Common Stock 670346105 102 1,267 SH   OTR   1,267 0 0
ORACLE CORP Common Stock 68389X105 586 8,355 SH   SOLE   8,355 0 0
ORACLE CORP Common Stock 68389X105 51 720 SH   OTR   720 0 0
PAYPAL HOLDINGS INC Common Stock 70450Y103 206 850 SH   SOLE   850 0 0
PAYPAL HOLDINGS INC Common Stock 70450Y103 36 150 SH   OTR   150 0 0
PEPSICO INC Common Stock 713448108 1,406 9,939 SH   SOLE   9,939 0 0
PEPSICO INC Common Stock 713448108 730 5,163 SH   OTR   5,163 0 0
PFIZER INC Common Stock 717081103 1,327 36,622 SH   SOLE   36,622 0 0
PFIZER INC Common Stock 717081103 250 6,900 SH   OTR   6,900 0 0
PHILIP MORRIS INTERNATIONAL INC Common Stock 718172109 550 6,199 SH   SOLE   6,199 0 0
PHILIP MORRIS INTERNATIONAL INC Common Stock 718172109 17 190 SH   OTR   190 0 0
PROCTER & GAMBLE CO Common Stock 742718109 1,743 12,867 SH   SOLE   12,867 0 0
PROCTER & GAMBLE CO Common Stock 742718109 601 4,438 SH   OTR   4,438 0 0
RAYTHEON TECHNOLOGIES CORP Common Stock 75513E101 642 8,303 SH   SOLE   8,303 0 0
RAYTHEON TECHNOLOGIES CORP Common Stock 75513E101 52 675 SH   OTR   675 0 0
S&P GLOBAL INC Common Stock 78409V104 204 578 SH   SOLE   578 0 0
SABINE ROYALTY TRUST Common Stock 785688102 745 24,524 SH   SOLE   24,524 0 0
SALESFORCE.COM INC Common Stock 79466L302 1,850 8,734 SH   SOLE   8,734 0 0
SALESFORCE.COM INC Common Stock 79466L302 60 284 SH   OTR   284 0 0
SCHLUMBERGER NV Int'l Common Stock 806857108 281 10,330 SH   SOLE   10,330 0 0
SCHLUMBERGER NV Int'l Common Stock 806857108 2 64 SH   OTR   64 0 0
SPDR S&P 500 ETF TRUST Exchange Traded Fund 78462F103 3,372 8,508 SH   SOLE   8,508 0 0
STARBUCKS CORP Common Stock 855244109 2,015 18,437 SH   SOLE   18,437 0 0
STARBUCKS CORP Common Stock 855244109 85 780 SH   OTR   780 0 0
TARGET CORP Common Stock 87612E106 253 1,275 SH   SOLE   1,275 0 0
U.S. BANCORP Common Stock 902973304 802 14,498 SH   SOLE   14,498 0 0
U.S. BANCORP Common Stock 902973304 48 867 SH   OTR   867 0 0
UNION PACIFIC CORP Common Stock 907818108 278 1,260 SH   SOLE   1,260 0 0
UNITED PARCEL SERVICE INC Common Stock 911312106 645 3,792 SH   SOLE   3,792 0 0
UNITED PARCEL SERVICE INC Common Stock 911312106 127 750 SH   OTR   750 0 0
UNITEDHEALTH GROUP INC Common Stock 91324P102 205 550 SH   SOLE   550 0 0
UNITEDHEALTH GROUP INC Common Stock 91324P102 41 110 SH   OTR   110 0 0
VANGUARD HIGH DIVIDEND YIELD INDEX FUND Exchange Traded Fund 921946406 1,523 15,069 SH   SOLE   15,069 0 0
VANGUARD HIGH DIVIDEND YIELD INDEX FUND Exchange Traded Fund 921946406 925 9,154 SH   OTR   9,154 0 0
VANGUARD REAL ESTATE INDEX FUND Exchange Traded Fund 922908553 244 2,653 SH   SOLE   2,653 0 0
VANGUARD VALUE INDEX FUND Exchange Traded Fund 922908744 298 2,264 SH   SOLE   2,264 0 0
VERIZON COMMUNICATIONS INC Common Stock 92343V104 1,121 19,285 SH   SOLE   19,285 0 0
VERIZON COMMUNICATIONS INC Common Stock 92343V104 165 2,839 SH   OTR   2,839 0 0
VISA INC Common Stock 92826C839 178 840 SH   SOLE   840 0 0
VISA INC Common Stock 92826C839 27 126 SH   OTR   126 0 0
WALT DISNEY CO Common Stock 254687106 168 911 SH   SOLE   911 0 0
WALT DISNEY CO Common Stock 254687106 37 200 SH   OTR   200 0 0
WASTE MANAGEMENT INC Common Stock 94106L109 632 4,900 SH   SOLE   4,900 0 0
ZIMMER BIOMET HOLDINGS INC Common Stock 98956P102 318 1,988 SH   SOLE   1,988 0 0
ZIMMER BIOMET HOLDINGS INC Common Stock 98956P102 19 120 SH   OTR   120 0 0
ZOETIS INC Common Stock 98978V103 295 1,875 SH   SOLE   1,875 0 0