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 1,004 6,746 SH   SOLE   6,746 0 0
3M CO Common Stock 88579Y101 315 2,117 SH   OTR   2,117 0 0
ABBOTT LABS Common Stock 002824100 2,429 20,523 SH   SOLE   20,523 0 0
ABBOTT LABS Common Stock 002824100 213 1,800 SH   OTR   1,800 0 0
ABBVIE INC Common Stock 00287Y109 1,896 11,693 SH   SOLE   11,693 0 0
ABBVIE INC Common Stock 00287Y109 114 701 SH   OTR   701 0 0
ACCENTURE PLC IRELAND Int'l Common Stock G1151C101 1,047 3,106 SH   SOLE   3,106 0 0
ACCENTURE PLC IRELAND Int'l Common Stock G1151C101 213 633 SH   OTR   633 0 0
AFLAC INC Common Stock 001055102 853 13,253 SH   SOLE   13,253 0 0
AFLAC INC Common Stock 001055102 169 2,618 SH   OTR   2,618 0 0
ALPHABET INC Common Stock 02079K107 3,838 1,374 SH   SOLE   1,374 0 0
ALPHABET INC Common Stock 02079K107 528 189 SH   OTR   189 0 0
ALPHABET INC Common Stock 02079K305 2,423 871 SH   SOLE   871 0 0
ALPHABET INC Common Stock 02079K305 261 94 SH   OTR   94 0 0
ALTRIA GROUP INC Common Stock 02209S103 818 15,664 SH   SOLE   15,664 0 0
AMAZON COM INC Common Stock 023135106 1,871 574 SH   SOLE   574 0 0
AMAZON COM INC Common Stock 023135106 137 42 SH   OTR   42 0 0
AMERICAN EXPRESS CO Common Stock 025816109 567 3,033 SH   SOLE   3,033 0 0
AMERICAN EXPRESS CO Common Stock 025816109 116 620 SH   OTR   620 0 0
AMERICAN TOWER CORP NEW Common Stock 03027X100 260 1,033 SH   SOLE   1,033 0 0
AMERICAN WTR WKS CO INC NEW Common Stock 030420103 768 4,638 SH   SOLE   4,638 0 0
AMGEN INC Common Stock 031162100 1,168 4,828 SH   SOLE   4,828 0 0
APPLE INC Common Stock 037833100 11,463 65,648 SH   SOLE   65,648 0 0
APPLE INC Common Stock 037833100 938 5,372 SH   OTR   5,372 0 0
APPLIED MATLS INC Common Stock 038222105 45 342 SH   SOLE   342 0 0
APPLIED MATLS INC Common Stock 038222105 498 3,775 SH   OTR   3,775 0 0
AT&T INC Common Stock 00206R102 292 12,349 SH   SOLE   12,349 0 0
AUTOMATIC DATA PROCESSING INC Common Stock 053015103 753 3,310 SH   SOLE   3,310 0 0
BAXTER INTL INC Common Stock 071813109 465 5,995 SH   SOLE   5,995 0 0
BAXTER INTL INC Common Stock 071813109 43 550 SH   OTR   550 0 0
BECTON DICKINSON & CO Common Stock 075887109 346 1,299 SH   SOLE   1,299 0 0
BERKSHIRE HATHAWAY INC DEL Common Stock 084670702 2,902 8,223 SH   SOLE   8,223 0 0
BERKSHIRE HATHAWAY INC DEL Common Stock 084670702 459 1,300 SH   OTR   1,300 0 0
BK OF AMERICA CORP Common Stock 060505104 491 11,907 SH   SOLE   11,907 0 0
BK OF AMERICA CORP Common Stock 060505104 49 1,200 SH   OTR   1,200 0 0
BLACKROCK INC Common Stock 09247X101 650 851 SH   SOLE   851 0 0
BLACKROCK INC Common Stock 09247X101 34 45 SH   OTR   45 0 0
BOEING CO Common Stock 097023105 222 1,161 SH   SOLE   1,161 0 0
BOOKING HOLDINGS INC Common Stock 09857L108 221 94 SH   SOLE   94 0 0
BRISTOL-MYERS SQUIBB CO Common Stock 110122108 480 6,571 SH   SOLE   6,571 0 0
BRISTOL-MYERS SQUIBB CO Common Stock 110122108 66 900 SH   OTR   900 0 0
BROADCOM INC Common Stock 11135F101 228 362 SH   SOLE   362 0 0
CANADIAN PAC RY LTD Int'l Common Stock 13645T100 841 10,193 SH   SOLE   10,193 0 0
CATERPILLAR INC Common Stock 149123101 219 985 SH   SOLE   985 0 0
CATERPILLAR INC Common Stock 149123101 412 1,850 SH   OTR   1,850 0 0
CDW CORP Common Stock 12514G108 208 1,160 SH   SOLE   1,160 0 0
CHEVRON CORP NEW Common Stock 166764100 3,218 19,764 SH   SOLE   19,764 0 0
CHEVRON CORP NEW Common Stock 166764100 585 3,595 SH   OTR   3,595 0 0
CHUBB LIMITED Int'l Common Stock H1467J104 218 1,018 SH   SOLE   1,018 0 0
CISCO SYS INC Common Stock 17275R102 876 15,716 SH   SOLE   15,716 0 0
CISCO SYS INC Common Stock 17275R102 276 4,955 SH   OTR   4,955 0 0
CITIGROUP INC Common Stock 172967424 396 7,412 SH   SOLE   7,412 0 0
CITIGROUP INC Common Stock 172967424 35 647 SH   OTR   647 0 0
CME GROUP INC Common Stock 12572Q105 247 1,040 SH   SOLE   1,040 0 0
CMS ENERGY CORP Common Stock 125896100 238 3,400 SH   SOLE   3,400 0 0
COCA COLA CO Common Stock 191216100 1,252 20,186 SH   SOLE   20,186 0 0
COCA COLA CO Common Stock 191216100 149 2,400 SH   OTR   2,400 0 0
COGNIZANT TECHNOLOGY SOLUTIONS Common Stock 192446102 526 5,867 SH   SOLE   5,867 0 0
COGNIZANT TECHNOLOGY SOLUTIONS Common Stock 192446102 22 250 SH   OTR   250 0 0
COLGATE PALMOLIVE CO Common Stock 194162103 246 3,244 SH   SOLE   3,244 0 0
COLGATE PALMOLIVE CO Common Stock 194162103 207 2,726 SH   OTR   2,726 0 0
COMCAST CORP NEW Common Stock 20030N101 335 7,157 SH   SOLE   7,157 0 0
COMCAST CORP NEW Common Stock 20030N101 77 1,650 SH   OTR   1,650 0 0
CONOCOPHILLIPS Common Stock 20825C104 487 4,868 SH   SOLE   4,868 0 0
COSTCO WHSL CORP NEW Common Stock 22160K105 1,034 1,796 SH   SOLE   1,796 0 0
COSTCO WHSL CORP NEW Common Stock 22160K105 30 52 SH   OTR   52 0 0
CVS HEALTH CORP Common Stock 126650100 985 9,735 SH   SOLE   9,735 0 0
CVS HEALTH CORP Common Stock 126650100 75 738 SH   OTR   738 0 0
DANAHER CORPORATION Common Stock 235851102 3,079 10,497 SH   SOLE   10,497 0 0
DANAHER CORPORATION Common Stock 235851102 339 1,154 SH   OTR   1,154 0 0
DEERE & CO Common Stock 244199105 1,172 2,820 SH   SOLE   2,820 0 0
DEERE & CO Common Stock 244199105 727 1,750 SH   OTR   1,750 0 0
DISNEY WALT CO Common Stock 254687106 290 2,113 SH   SOLE   2,113 0 0
DOMINION ENERGY INC Common Stock 25746U109 685 8,062 SH   SOLE   8,062 0 0
DOMINION ENERGY INC Common Stock 25746U109 161 1,900 SH   OTR   1,900 0 0
DUKE ENERGY CORP NEW Common Stock 26441C204 223 2,001 SH   SOLE   2,001 0 0
DUKE ENERGY CORP NEW Common Stock 26441C204 56 500 SH   OTR   500 0 0
EATON CORP PLC Int'l Common Stock G29183103 307 2,025 SH   SOLE   2,025 0 0
EXELON CORP Common Stock 30161N101 458 9,620 SH   SOLE   9,620 0 0
EXXON MOBIL CORP Common Stock 30231G102 3,340 40,440 SH   SOLE   40,440 0 0
EXXON MOBIL CORP Common Stock 30231G102 829 10,037 SH   OTR   10,037 0 0
FISERV INC Common Stock 337738108 607 5,989 SH   SOLE   5,989 0 0
FISERV INC Common Stock 337738108 116 1,141 SH   OTR   1,141 0 0
FLEXSHARES TR Exchange Traded Fund 33939L407 9,730 207,783 SH   SOLE   207,783 0 0
FLEXSHARES TR Exchange Traded Fund 33939L407 529 11,292 SH   OTR   11,292 0 0
FLEXSHARES TR Exchange Traded Fund 33939L860 22,802 384,642 SH   SOLE   384,642 0 0
FLEXSHARES TR Exchange Traded Fund 33939L860 1,036 17,470 SH   OTR   17,470 0 0
FLEXSHARES TR Fixed Income ETF 33939L506 5,597 216,008 SH   SOLE   216,008 0 0
FLEXSHARES TR Fixed Income ETF 33939L506 111 4,279 SH   OTR   4,279 0 0
FLEXSHARES TR Fixed Income ETF 33939L605 4,945 182,388 SH   SOLE   182,388 0 0
FLEXSHARES TR Fixed Income ETF 33939L605 100 3,699 SH   OTR   3,699 0 0
FORTIVE CORP Common Stock 34959J108 372 6,098 SH   SOLE   6,098 0 0
FORTIVE CORP Common Stock 34959J108 24 399 SH   OTR   399 0 0
GALLAGHER ARTHUR J & CO Common Stock 363576109 576 3,300 SH   SOLE   3,300 0 0
GENERAL DYNAMICS CORP Common Stock 369550108 328 1,361 SH   SOLE   1,361 0 0
GENERAL MLS INC Common Stock 370334104 338 4,987 SH   SOLE   4,987 0 0
HALLIBURTON CO Common Stock 406216101 653 17,250 SH   SOLE   17,250 0 0
HALLIBURTON CO Common Stock 406216101 138 3,639 SH   OTR   3,639 0 0
HCA HEALTHCARE INC Common Stock 40412C101 549 2,190 SH   SOLE   2,190 0 0
HCA HEALTHCARE INC Common Stock 40412C101 75 300 SH   OTR   300 0 0
HOME DEPOT INC Common Stock 437076102 393 1,312 SH   SOLE   1,312 0 0
HONEYWELL INTL INC Common Stock 438516106 791 4,065 SH   SOLE   4,065 0 0
INTEL CORP Common Stock 458140100 1,793 36,179 SH   SOLE   36,179 0 0
INTEL CORP Common Stock 458140100 159 3,200 SH   OTR   3,200 0 0
INTERCONTINENTAL EXCHANGE INC Common Stock 45866F104 588 4,447 SH   SOLE   4,447 0 0
INVESCO ACTIVLY MANGD ETC FD T Common Stock 46090F100 343 19,425 SH   SOLE   19,425 0 0
ISHARES TR Exchange Traded Fund 464287150 399 3,957 SH   SOLE   3,957 0 0
ISHARES TR Exchange Traded Fund 464287200 223 492 SH   SOLE   492 0 0
ISHARES TR Exchange Traded Fund 464287507 1,550 5,777 SH   SOLE   5,777 0 0
ISHARES TR Exchange Traded Fund 464287507 317 1,180 SH   OTR   1,180 0 0
ISHARES TR Exchange Traded Fund 464287606 243 3,147 SH   SOLE   3,147 0 0
ISHARES TR Exchange Traded Fund 464287655 830 4,043 SH   SOLE   4,043 0 0
ISHARES TR Exchange Traded Fund 464287804 2,630 24,375 SH   SOLE   24,375 0 0
ISHARES TR Exchange Traded Fund 464287804 158 1,464 SH   OTR   1,464 0 0
ISHARES TR Exchange Traded Fund 464288281 203 2,077 SH   SOLE   2,077 0 0
ISHARES TR Fixed Income ETF 464287226 377 3,516 SH   SOLE   3,516 0 0
ISHARES TR Fixed Income ETF 464287242 559 4,625 SH   SOLE   4,625 0 0
ISHARES TR International Equity ETF 464287465 633 8,597 SH   SOLE   8,597 0 0
JOHNSON & JOHNSON Common Stock 478160104 2,305 13,007 SH   SOLE   13,007 0 0
JOHNSON & JOHNSON Common Stock 478160104 182 1,025 SH   OTR   1,025 0 0
JPMORGAN CHASE & CO Common Stock 46625H100 2,811 20,622 SH   SOLE   20,622 0 0
JPMORGAN CHASE & CO Common Stock 46625H100 112 820 SH   OTR   820 0 0
KIMBERLY-CLARK CORP Common Stock 494368103 201 1,631 SH   SOLE   1,631 0 0
KROGER CO Common Stock 501044101 231 4,024 SH   SOLE   4,024 0 0
LABORATORY CORP AMER HLDGS Common Stock 50540R409 264 1,000 SH   SOLE   1,000 0 0
LAM RESEARCH CORP Common Stock 512807108 242 450 SH   SOLE   450 0 0
LILLY ELI & CO Common Stock 532457108 1,072 3,743 SH   SOLE   3,743 0 0
LINDE PLC Int'l Common Stock G5494J103 406 1,270 SH   SOLE   1,270 0 0
LINDE PLC Int'l Common Stock G5494J103 32 100 SH   OTR   100 0 0
LOCKHEED MARTIN CORP Common Stock 539830109 238 539 SH   SOLE   539 0 0
LOWES COS INC Common Stock 548661107 2,296 11,357 SH   SOLE   11,357 0 0
LOWES COS INC Common Stock 548661107 829 4,102 SH   OTR   4,102 0 0
MARSH & MCLENNAN COS INC Common Stock 571748102 668 3,922 SH   SOLE   3,922 0 0
MARSH & MCLENNAN COS INC Common Stock 571748102 31 180 SH   OTR   180 0 0
MASTERCARD INCORPORATED Common Stock 57636Q104 1,476 4,130 SH   SOLE   4,130 0 0
MASTERCARD INCORPORATED Common Stock 57636Q104 89 250 SH   OTR   250 0 0
MATCH GROUP INC NEW Common Stock 57667L107 222 2,037 SH   SOLE   2,037 0 0
MCDONALDS CORP Common Stock 580135101 1,810 7,319 SH   SOLE   7,319 0 0
MCDONALDS CORP Common Stock 580135101 113 458 SH   OTR   458 0 0
MEDTRONIC PLC Int'l Common Stock G5960L103 718 6,473 SH   SOLE   6,473 0 0
MERCK & CO INC Common Stock 58933Y105 823 10,030 SH   SOLE   10,030 0 0
MERCK & CO INC Common Stock 58933Y105 196 2,388 SH   OTR   2,388 0 0
META PLATFORMS INC Common Stock 30303M102 566 2,544 SH   SOLE   2,544 0 0
MICROSOFT CORP Common Stock 594918104 8,402 27,251 SH   SOLE   27,251 0 0
MICROSOFT CORP Common Stock 594918104 108 350 SH   OTR   350 0 0
MONDELEZ INTL INC Common Stock 609207105 399 6,354 SH   SOLE   6,354 0 0
NEXTERA ENERGY INC Common Stock 65339F101 1,055 12,460 SH   SOLE   12,460 0 0
NEXTERA ENERGY INC Common Stock 65339F101 539 6,360 SH   OTR   6,360 0 0
NIKE INC Common Stock 654106103 2,443 18,154 SH   SOLE   18,154 0 0
NORFOLK SOUTHN CORP Common Stock 655844108 1,151 4,036 SH   SOLE   4,036 0 0
NORFOLK SOUTHN CORP Common Stock 655844108 57 200 SH   OTR   200 0 0
NUCOR CORP Common Stock 670346105 410 2,761 SH   SOLE   2,761 0 0
NUCOR CORP Common Stock 670346105 188 1,267 SH   OTR   1,267 0 0
ORACLE CORP Common Stock 68389X105 716 8,655 SH   SOLE   8,655 0 0
ORACLE CORP Common Stock 68389X105 60 720 SH   OTR   720 0 0
PEPSICO INC Common Stock 713448108 2,157 12,886 SH   SOLE   12,886 0 0
PEPSICO INC Common Stock 713448108 410 2,450 SH   OTR   2,450 0 0
PFIZER INC Common Stock 717081103 1,947 37,610 SH   SOLE   37,610 0 0
PFIZER INC Common Stock 717081103 337 6,500 SH   OTR   6,500 0 0
PHILIP MORRIS INTL INC Common Stock 718172109 577 6,142 SH   SOLE   6,142 0 0
PHILIP MORRIS INTL INC Common Stock 718172109 18 190 SH   OTR   190 0 0
PROCTER AND GAMBLE CO Common Stock 742718109 1,920 12,564 SH   SOLE   12,564 0 0
PROCTER AND GAMBLE CO Common Stock 742718109 678 4,438 SH   OTR   4,438 0 0
QUALCOMM INC Common Stock 747525103 220 1,441 SH   SOLE   1,441 0 0
RAYTHEON TECHNOLOGIES CORP Common Stock 75513E101 926 9,349 SH   SOLE   9,349 0 0
RAYTHEON TECHNOLOGIES CORP Common Stock 75513E101 67 675 SH   OTR   675 0 0
S&P GLOBAL INC Common Stock 78409V104 255 621 SH   SOLE   621 0 0
SABINE RTY TR Common Stock 785688102 1,416 24,524 SH   SOLE   24,524 0 0
SALESFORCE INC Common Stock 79466L302 1,860 8,759 SH   SOLE   8,759 0 0
SALESFORCE INC Common Stock 79466L302 60 284 SH   OTR   284 0 0
SCHLUMBERGER LTD Int'l Common Stock 806857108 393 9,519 SH   SOLE   9,519 0 0
SOUTHERN CO Common Stock 842587107 146 2,012 SH   SOLE   2,012 0 0
SOUTHERN CO Common Stock 842587107 73 1,000 SH   OTR   1,000 0 0
SPDR S&P 500 ETF TR Exchange Traded Fund 78462F103 3,877 8,585 SH   SOLE   8,585 0 0
SPDR S&P MIDCAP 400 ETF TR Exchange Traded Fund 78467Y107 693 1,413 SH   SOLE   1,413 0 0
STARBUCKS CORP Common Stock 855244109 1,658 18,223 SH   SOLE   18,223 0 0
STARBUCKS CORP Common Stock 855244109 71 780 SH   OTR   780 0 0
SYSCO CORP Common Stock 871829107 75 924 SH   SOLE   924 0 0
SYSCO CORP Common Stock 871829107 141 1,725 SH   OTR   1,725 0 0
TARGET CORP Common Stock 87612E106 396 1,866 SH   SOLE   1,866 0 0
TEXAS INSTRS INC Common Stock 882508104 209 1,140 SH   SOLE   1,140 0 0
THERMO FISHER SCIENTIFIC INC Common Stock 883556102 328 556 SH   SOLE   556 0 0
THERMO FISHER SCIENTIFIC INC Common Stock 883556102 59 100 SH   OTR   100 0 0
UNION PAC CORP Common Stock 907818108 1,208 4,421 SH   SOLE   4,421 0 0
UNITED PARCEL SERVICE INC Common Stock 911312106 950 4,430 SH   SOLE   4,430 0 0
UNITED PARCEL SERVICE INC Common Stock 911312106 139 650 SH   OTR   650 0 0
UNITEDHEALTH GROUP INC Common Stock 91324P102 593 1,163 SH   SOLE   1,163 0 0
UNITEDHEALTH GROUP INC Common Stock 91324P102 56 110 SH   OTR   110 0 0
US BANCORP DEL Common Stock 902973304 767 14,431 SH   SOLE   14,431 0 0
US BANCORP DEL Common Stock 902973304 46 867 SH   OTR   867 0 0
VANGUARD INDEX FDS Exchange Traded Fund 922908553 308 2,843 SH   SOLE   2,843 0 0
VANGUARD INDEX FDS Exchange Traded Fund 922908629 894 3,759 SH   SOLE   3,759 0 0
VANGUARD INDEX FDS Exchange Traded Fund 922908744 335 2,264 SH   SOLE   2,264 0 0
VANGUARD INDEX FDS Exchange Traded Fund 922908751 201 944 SH   SOLE   944 0 0
VANGUARD INTL EQUITY INDEX FDS Exchange Traded Fund 922042858 295 6,387 SH   SOLE   6,387 0 0
VANGUARD TAX-MANAGED INTL FD International Equity ETF 921943858 243 5,063 SH   SOLE   5,063 0 0
VANGUARD WHITEHALL FDS Exchange Traded Fund 921946406 2,199 19,593 SH   SOLE   19,593 0 0
VANGUARD WHITEHALL FDS Exchange Traded Fund 921946406 520 4,630 SH   OTR   4,630 0 0
VERIZON COMMUNICATIONS INC Common Stock 92343V104 1,109 21,776 SH   SOLE   21,776 0 0
VERIZON COMMUNICATIONS INC Common Stock 92343V104 125 2,450 SH   OTR   2,450 0 0
VISA INC Common Stock 92826C839 267 1,204 SH   SOLE   1,204 0 0
VISA INC Common Stock 92826C839 28 126 SH   OTR   126 0 0
WASTE MGMT INC DEL Common Stock 94106L109 827 5,216 SH   SOLE   5,216 0 0
ZIMMER BIOMET HOLDINGS INC Common Stock 98956P102 232 1,813 SH   SOLE   1,813 0 0
ZIMMER BIOMET HOLDINGS INC Common Stock 98956P102 15 120 SH   OTR   120 0 0
ZOETIS INC Common Stock 98978V103 309 1,640 SH   SOLE   1,640 0 0