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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO Common Stock 88579Y101   249,913 2,084 SH   OTR   1,584 500 0
3M CO Common Stock 88579Y101   808,980 6,746 SH   SOLE   6,746 0 0
ABBOTT LABS Common Stock 002824100   2,258,380 20,570 SH   SOLE   20,570 0 0
ABBOTT LABS Common Stock 002824100   193,230 1,760 SH   OTR   1,060 700 0
ABBVIE INC Common Stock 00287Y109   2,052,447 12,700 SH   SOLE   12,700 0 0
ABBVIE INC Common Stock 00287Y109   113,289 701 SH   OTR   467 234 0
ACCENTURE PLC IRELAND Int'l Common Stock G1151C101   168,910 633 SH   OTR   0 633 0
ACCENTURE PLC IRELAND Int'l Common Stock G1151C101   835,476 3,131 SH   SOLE   3,131 0 0
AFLAC INC Common Stock 001055102   953,421 13,253 SH   SOLE   13,253 0 0
AFLAC INC Common Stock 001055102   180,497 2,509 SH   OTR   2,509 0 0
ALPHABET INC Common Stock 02079K107   2,527,030 28,480 SH   SOLE   28,480 0 0
ALPHABET INC Common Stock 02079K107   330,076 3,720 SH   OTR   2,680 1,040 0
ALPHABET INC Common Stock 02079K305   1,561,495 17,698 SH   SOLE   17,698 0 0
ALPHABET INC Common Stock 02079K305   165,872 1,880 SH   OTR   1,080 800 0
ALTRIA GROUP INC Common Stock 02209S103   715,910 15,662 SH   SOLE   15,662 0 0
AMAZON COM INC Common Stock 023135106   1,167,516 13,899 SH   SOLE   13,899 0 0
AMAZON COM INC Common Stock 023135106   70,560 840 SH   OTR   520 320 0
AMERICAN EXPRESS CO Common Stock 025816109   398,039 2,694 SH   SOLE   2,694 0 0
AMERICAN EXPRESS CO Common Stock 025816109   39,893 270 SH   OTR   270 0 0
AMERICAN TOWER CORP NEW Common Stock 03027X100   222,877 1,052 SH   SOLE   1,052 0 0
AMERICAN WTR WKS CO INC NEW Common Stock 030420103   706,162 4,633 SH   SOLE   4,633 0 0
AMGEN INC Common Stock 031162100   1,251,217 4,764 SH   SOLE   4,764 0 0
APPLE INC Common Stock 037833100   8,528,865 65,642 SH   SOLE   65,642 0 0
APPLE INC Common Stock 037833100   671,998 5,172 SH   OTR   3,436 1,736 0
APPLIED MATLS INC Common Stock 038222105   32,135 330 SH   SOLE   330 0 0
APPLIED MATLS INC Common Stock 038222105   348,134 3,575 SH   OTR   0 3,575 0
AT&T INC Common Stock 00206R102   231,322 12,565 SH   SOLE   12,565 0 0
AUTOMATIC DATA PROCESSING INC Common Stock 053015103   792,776 3,319 SH   SOLE   3,319 0 0
BANK AMERICA CORP Common Stock 060505104   394,360 11,907 SH   SOLE   11,907 0 0
BANK AMERICA CORP Common Stock 060505104   39,744 1,200 SH   OTR   1,200 0 0
BAXTER INTL INC Common Stock 071813109   271,160 5,320 SH   SOLE   5,320 0 0
BAXTER INTL INC Common Stock 071813109   28,034 550 SH   OTR   550 0 0
BECTON DICKINSON & CO Common Stock 075887109   330,336 1,299 SH   SOLE   1,299 0 0
BERKSHIRE HATHAWAY INC DEL Common Stock 084670702   2,331,577 7,548 SH   SOLE   7,548 0 0
BERKSHIRE HATHAWAY INC DEL Common Stock 084670702   395,392 1,280 SH   OTR   580 700 0
BLACKROCK INC Common Stock 09247X101   661,860 934 SH   SOLE   934 0 0
BLACKROCK INC Common Stock 09247X101   31,888 45 SH   OTR   45 0 0
BOEING CO Common Stock 097023105   232,017 1,218 SH   SOLE   1,218 0 0
BOOKING HOLDINGS INC Common Stock 09857L108   213,620 106 SH   SOLE   106 0 0
BRISTOL-MYERS SQUIBB CO Common Stock 110122108   456,739 6,348 SH   SOLE   6,348 0 0
BRISTOL-MYERS SQUIBB CO Common Stock 110122108   21,585 300 SH   OTR   300 0 0
BROADCOM INC Common Stock 11135F101   261,673 468 SH   SOLE   468 0 0
CANADIAN PAC RY LTD Int'l Common Stock 13645T100   770,366 10,328 SH   SOLE   10,328 0 0
CATERPILLAR INC Common Stock 149123101   231,175 965 SH   SOLE   965 0 0
CATERPILLAR INC Common Stock 149123101   443,186 1,850 SH   OTR   1,850 0 0
CDW CORP Common Stock 12514G108   207,153 1,160 SH   SOLE   1,160 0 0
CHEVRON CORP NEW Common Stock 166764100   3,829,599 21,336 SH   SOLE   21,336 0 0
CHEVRON CORP NEW Common Stock 166764100   597,163 3,327 SH   OTR   3,327 0 0
CHUBB LIMITED Int'l Common Stock H1467J104   229,203 1,039 SH   SOLE   1,039 0 0
CISCO SYS INC Common Stock 17275R102   779,390 16,360 SH   SOLE   16,360 0 0
CISCO SYS INC Common Stock 17275R102   236,056 4,955 SH   OTR   2,155 2,800 0
CITIGROUP INC Common Stock 172967424   240,850 5,325 SH   SOLE   5,325 0 0
CITIGROUP INC Common Stock 172967424   16,690 369 SH   OTR   230 139 0
CMS ENERGY CORP Common Stock 125896100   215,322 3,400 SH   SOLE   3,400 0 0
COCA COLA CO Common Stock 191216100   1,249,682 19,646 SH   SOLE   19,646 0 0
COCA COLA CO Common Stock 191216100   152,664 2,400 SH   OTR   2,400 0 0
COGNIZANT TECHNOLOGY SOLUTIONS Common Stock 192446102   14,298 250 SH   OTR   250 0 0
COGNIZANT TECHNOLOGY SOLUTIONS Common Stock 192446102   349,660 6,114 SH   SOLE   6,114 0 0
COLGATE PALMOLIVE CO Common Stock 194162103   211,630 2,686 SH   OTR   1,619 1,067 0
COLGATE PALMOLIVE CO Common Stock 194162103   260,165 3,302 SH   SOLE   3,302 0 0
COMCAST CORP NEW Common Stock 20030N101   57,701 1,650 SH   OTR   700 950 0
COMCAST CORP NEW Common Stock 20030N101   228,844 6,544 SH   SOLE   6,544 0 0
CONOCOPHILLIPS Common Stock 20825C104   543,508 4,606 SH   SOLE   4,606 0 0
CONSTELLATION ENERGY CORP Common Stock 21037T109   256,302 2,973 SH   SOLE   2,973 0 0
COSTCO WHSL CORP NEW Common Stock 22160K105   23,738 52 SH   OTR   52 0 0
COSTCO WHSL CORP NEW Common Stock 22160K105   925,326 2,027 SH   SOLE   2,027 0 0
CVS HEALTH CORP Common Stock 126650100   879,900 9,442 SH   SOLE   9,442 0 0
CVS HEALTH CORP Common Stock 126650100   68,774 738 SH   OTR   371 367 0
DANAHER CORPORATION Common Stock 235851102   306,295 1,154 SH   OTR   354 800 0
DANAHER CORPORATION Common Stock 235851102   2,496,806 9,407 SH   SOLE   9,407 0 0
DEERE & CO Common Stock 244199105   734,466 1,713 SH   OTR   813 900 0
DEERE & CO Common Stock 244199105   1,091,194 2,545 SH   SOLE   2,545 0 0
DIMENSIONAL ETF TRUST International Equity ETF 25434V807   4,459,832 146,705 SH   SOLE   146,603 0 102
DIMENSIONAL ETF TRUST International Equity ETF 25434V807   196,566 6,466 SH   OTR   5,663 803 0
DOMINION ENERGY INC Common Stock 25746U109   94,004 1,533 SH   OTR   733 800 0
DOMINION ENERGY INC Common Stock 25746U109   498,900 8,136 SH   SOLE   8,136 0 0
DUKE ENERGY CORP NEW Common Stock 26441C204   51,495 500 SH   OTR   500 0 0
DUKE ENERGY CORP NEW Common Stock 26441C204   206,083 2,001 SH   SOLE   2,001 0 0
EATON CORP PLC Int'l Common Stock G29183103   351,568 2,240 SH   SOLE   2,240 0 0
EXELON CORP Common Stock 30161N101   415,873 9,620 SH   SOLE   9,620 0 0
EXXON MOBIL CORP Common Stock 30231G102   1,062,961 9,637 SH   OTR   7,297 2,340 0
EXXON MOBIL CORP Common Stock 30231G102   4,434,722 40,206 SH   SOLE   40,206 0 0
FISERV INC Common Stock 337738108   115,321 1,141 SH   OTR   0 1,141 0
FISERV INC Common Stock 337738108   618,346 6,118 SH   SOLE   6,118 0 0
FLEXSHARES TR Exchange Traded Fund 33939L407   9,219,639 212,092 SH   SOLE   212,011 0 81
FLEXSHARES TR Exchange Traded Fund 33939L407   498,123 11,459 SH   OTR   10,315 1,144 0
FLEXSHARES TR Exchange Traded Fund 33939L860   20,541,457 390,522 SH   SOLE   390,347 0 175
FLEXSHARES TR Exchange Traded Fund 33939L860   920,237 17,495 SH   OTR   15,692 1,803 0
FLEXSHARES TR Fixed Income ETF 33939L506   5,573,135 236,953 SH   SOLE   236,880 0 73
FLEXSHARES TR Fixed Income ETF 33939L506   114,378 4,863 SH   OTR   4,863 0 0
FLEXSHARES TR Fixed Income ETF 33939L605   4,569,974 193,479 SH   SOLE   193,407 0 72
FLEXSHARES TR Fixed Income ETF 33939L605   92,000 3,895 SH   OTR   3,895 0 0
FORTIVE CORP Common Stock 34959J108   25,636 399 SH   OTR   0 399 0
FORTIVE CORP Common Stock 34959J108   332,365 5,173 SH   SOLE   5,173 0 0
GALLAGHER ARTHUR J & CO Common Stock 363576109   622,182 3,300 SH   SOLE   3,300 0 0
GENERAL DYNAMICS CORP Common Stock 369550108   350,828 1,414 SH   SOLE   1,414 0 0
GENERAL MLS INC Common Stock 370334104   351,080 4,187 SH   SOLE   4,187 0 0
HALLIBURTON CO Common Stock 406216101   143,195 3,639 SH   OTR   2,662 977 0
HALLIBURTON CO Common Stock 406216101   666,235 16,931 SH   SOLE   16,931 0 0
HCA HEALTHCARE INC Common Stock 40412C101   55,911 233 SH   OTR   0 233 0
HCA HEALTHCARE INC Common Stock 40412C101   525,512 2,190 SH   SOLE   2,190 0 0
HOME DEPOT INC Common Stock 437076102   462,735 1,465 SH   SOLE   1,465 0 0
HONEYWELL INTL INC Common Stock 438516106   971,422 4,533 SH   SOLE   4,533 0 0
INTEL CORP Common Stock 458140100   84,576 3,200 SH   OTR   1,950 1,250 0
INTEL CORP Common Stock 458140100   929,992 35,187 SH   SOLE   35,187 0 0
INTERCONTINENTAL EXCHANGE INC Common Stock 45866F104   477,044 4,650 SH   SOLE   4,650 0 0
INTERNATIONAL BUSINESS MACHS Common Stock 459200101   102,568 728 SH   OTR   238 490 0
INTERNATIONAL BUSINESS MACHS Common Stock 459200101   99,046 703 SH   SOLE   703 0 0
INVESCO ACTVELY MNGD ETC FD TR Exchange Traded Fund 46090F100   380,142 25,720 SH   SOLE   25,720 0 0
ISHARES TR Exchange Traded Fund 464287150   450,627 5,314 SH   SOLE   5,314 0 0
ISHARES TR Exchange Traded Fund 464287507   1,295,805 5,357 SH   SOLE   5,357 0 0
ISHARES TR Exchange Traded Fund 464287507   285,430 1,180 SH   OTR   1,180 0 0
ISHARES TR Exchange Traded Fund 464287655   925,329 5,307 SH   SOLE   5,307 0 0
ISHARES TR Exchange Traded Fund 464287804   2,117,097 22,370 SH   SOLE   22,370 0 0
ISHARES TR Exchange Traded Fund 464287804   138,553 1,464 SH   OTR   1,464 0 0
ISHARES TR International Equity ETF 464287465   561,878 8,560 SH   SOLE   8,560 0 0
JOHNSON & JOHNSON Common Stock 478160104   181,066 1,025 SH   OTR   800 225 0
JOHNSON & JOHNSON Common Stock 478160104   2,168,379 12,275 SH   SOLE   12,275 0 0
JPMORGAN CHASE & CO Common Stock 46625H100   109,962 820 SH   OTR   820 0 0
JPMORGAN CHASE & CO Common Stock 46625H100   2,906,349 21,673 SH   SOLE   21,673 0 0
KIMBERLY-CLARK CORP Common Stock 494368103   221,408 1,631 SH   SOLE   1,631 0 0
LABORATORY CORP AMER HLDGS Common Stock 50540R409   238,541 1,013 SH   SOLE   1,013 0 0
LAM RESEARCH CORP Common Stock 512807108   228,223 543 SH   SOLE   543 0 0
LILLY ELI & CO Common Stock 532457108   1,356,901 3,709 SH   SOLE   3,709 0 0
LINDE PLC Int'l Common Stock G5494J103   417,184 1,279 SH   SOLE   1,279 0 0
LINDE PLC Int'l Common Stock G5494J103   32,618 100 SH   OTR   100 0 0
LOCKHEED MARTIN CORP Common Stock 539830109   262,218 539 SH   SOLE   539 0 0
LOWES COS INC Common Stock 548661107   761,495 3,822 SH   OTR   2,352 1,470 0
LOWES COS INC Common Stock 548661107   2,312,579 11,607 SH   SOLE   11,607 0 0
MARATHON PETE CORP Common Stock 56585A102   75,654 650 SH   OTR   650 0 0
MARATHON PETE CORP Common Stock 56585A102   145,488 1,250 SH   SOLE   1,250 0 0
MARSH & MCLENNAN COS INC Common Stock 571748102   650,833 3,933 SH   SOLE   3,933 0 0
MARSH & MCLENNAN COS INC Common Stock 571748102   29,786 180 SH   OTR   180 0 0
MASTERCARD INCORPORATED Common Stock 57636Q104   86,933 250 SH   OTR   250 0 0
MASTERCARD INCORPORATED Common Stock 57636Q104   1,451,425 4,174 SH   SOLE   4,174 0 0
MCDONALDS CORP Common Stock 580135101   120,697 458 SH   OTR   458 0 0
MCDONALDS CORP Common Stock 580135101   1,842,075 6,990 SH   SOLE   6,990 0 0
MEDTRONIC PLC Int'l Common Stock G5960L103   459,714 5,915 SH   SOLE   5,915 0 0
MERCK & CO INC Common Stock 58933Y105   264,949 2,388 SH   OTR   1,738 650 0
MERCK & CO INC Common Stock 58933Y105   1,152,881 10,391 SH   SOLE   10,391 0 0
META PLATFORMS INC Common Stock 30303M102   235,505 1,957 SH   SOLE   1,957 0 0
MICROSOFT CORP Common Stock 594918104   83,937 350 SH   OTR   350 0 0
MICROSOFT CORP Common Stock 594918104   6,798,178 28,347 SH   SOLE   28,347 0 0
MONDELEZ INTL INC Common Stock 609207105   449,754 6,748 SH   SOLE   6,748 0 0
NEXTERA ENERGY INC Common Stock 65339F101   498,256 5,960 SH   OTR   3,160 2,800 0
NEXTERA ENERGY INC Common Stock 65339F101   983,888 11,769 SH   SOLE   11,769 0 0
NIKE INC Common Stock 654106103   2,151,580 18,388 SH   SOLE   18,388 0 0
NORFOLK SOUTHN CORP Common Stock 655844108   49,284 200 SH   OTR   200 0 0
NORFOLK SOUTHN CORP Common Stock 655844108   993,812 4,033 SH   SOLE   4,033 0 0
NUCOR CORP Common Stock 670346105   167,003 1,267 SH   OTR   1,000 267 0
NUCOR CORP Common Stock 670346105   363,927 2,761 SH   SOLE   2,761 0 0
ORACLE CORP Common Stock 68389X105   58,853 720 SH   OTR   720 0 0
ORACLE CORP Common Stock 68389X105   720,538 8,815 SH   SOLE   8,815 0 0
PALO ALTO NETWORKS INC Common Stock 697435105   281,731 2,019 SH   SOLE   2,019 0 0
PEPSICO INC Common Stock 713448108   442,617 2,450 SH   OTR   2,450 0 0
PEPSICO INC Common Stock 713448108   2,318,952 12,836 SH   SOLE   12,836 0 0
PFIZER INC Common Stock 717081103   333,060 6,500 SH   OTR   6,500 0 0
PFIZER INC Common Stock 717081103   2,046,474 39,939 SH   SOLE   39,939 0 0
PHILIP MORRIS INTL INC Common Stock 718172109   19,230 190 SH   OTR   190 0 0
PHILIP MORRIS INTL INC Common Stock 718172109   627,704 6,202 SH   SOLE   6,202 0 0
PHILLIPS 66 Common Stock 718546104   200,562 1,927 SH   SOLE   1,927 0 0
PROCTER AND GAMBLE CO Common Stock 742718109   672,623 4,438 SH   OTR   2,738 1,700 0
PROCTER AND GAMBLE CO Common Stock 742718109   1,761,279 11,621 SH   SOLE   11,621 0 0
RAYTHEON TECHNOLOGIES CORP Common Stock 75513E101   969,337 9,605 SH   SOLE   9,605 0 0
RAYTHEON TECHNOLOGIES CORP Common Stock 75513E101   68,121 675 SH   OTR   675 0 0
S&P GLOBAL INC Common Stock 78409V104   209,672 626 SH   SOLE   626 0 0
SABINE RTY TR Common Stock 785688102   2,052,851 24,024 SH   SOLE   24,024 0 0
SALESFORCE INC Common Stock 79466L302   37,656 284 SH   OTR   284 0 0
SALESFORCE INC Common Stock 79466L302   1,166,527 8,798 SH   SOLE   8,798 0 0
SCHLUMBERGER LTD Int'l Common Stock 806857108   481,728 9,011 SH   SOLE   9,011 0 0
SOUTHERN CO Common Stock 842587107   71,410 1,000 SH   OTR   1,000 0 0
SOUTHERN CO Common Stock 842587107   143,677 2,012 SH   SOLE   2,012 0 0
SPDR S&P 500 ETF TR Exchange Traded Fund 78462F103   3,420,071 8,943 SH   SOLE   8,943 0 0
SPDR S&P MIDCAP 400 ETF TR Exchange Traded Fund 78467Y107   684,111 1,545 SH   SOLE   1,545 0 0
STARBUCKS CORP Common Stock 855244109   57,536 580 SH   OTR   280 300 0
STARBUCKS CORP Common Stock 855244109   1,777,962 17,923 SH   SOLE   17,923 0 0
SYSCO CORP Common Stock 871829107   131,876 1,725 SH   OTR   600 1,125 0
SYSCO CORP Common Stock 871829107   91,052 1,191 SH   SOLE   1,191 0 0
TARGET CORP Common Stock 87612E106   236,526 1,587 SH   SOLE   1,587 0 0
THERMO FISHER SCIENTIFIC INC Common Stock 883556102   55,069 100 SH   OTR   100 0 0
THERMO FISHER SCIENTIFIC INC Common Stock 883556102   600,252 1,090 SH   SOLE   1,090 0 0
UNION PAC CORP Common Stock 907818108   818,341 3,952 SH   SOLE   3,952 0 0
UNITED PARCEL SERVICE INC Common Stock 911312106   112,996 650 SH   OTR   250 400 0
UNITED PARCEL SERVICE INC Common Stock 911312106   797,230 4,586 SH   SOLE   4,586 0 0
UNITEDHEALTH GROUP INC Common Stock 91324P102   58,320 110 SH   OTR   110 0 0
UNITEDHEALTH GROUP INC Common Stock 91324P102   762,399 1,438 SH   SOLE   1,438 0 0
US BANCORP DEL Common Stock 902973304   37,810 867 SH   OTR   0 867 0
US BANCORP DEL Common Stock 902973304   629,336 14,431 SH   SOLE   14,431 0 0
VANGUARD INDEX FDS Exchange Traded Fund 922908629   1,710,577 8,393 SH   SOLE   8,393 0 0
VANGUARD INDEX FDS Exchange Traded Fund 922908736   434,744 2,040 SH   SOLE   2,040 0 0
VANGUARD INDEX FDS Exchange Traded Fund 922908736   4,262 20 SH   OTR   20 0 0
VANGUARD INDEX FDS Exchange Traded Fund 922908744   1,069,058 7,616 SH   SOLE   7,616 0 0
VANGUARD INTL EQUITY INDEX FDS Exchange Traded Fund 922042858   260,347 6,679 SH   SOLE   6,679 0 0
VANGUARD TAX-MANAGED FDS International Equity ETF 921943858   409,417 9,755 SH   SOLE   9,755 0 0
VANGUARD WHITEHALL FDS Exchange Traded Fund 921946406   2,130,547 19,689 SH   SOLE   19,689 0 0
VANGUARD WHITEHALL FDS Exchange Traded Fund 921946406   501,012 4,630 SH   OTR   4,630 0 0
VANGUARD WHITEHALL FDS International Equity ETF 921946810   17,618,409 253,029 SH   SOLE   252,853 0 176
VANGUARD WHITEHALL FDS International Equity ETF 921946810   789,952 11,345 SH   OTR   9,955 1,390 0
VERIZON COMMUNICATIONS INC Common Stock 92343V104   96,530 2,450 SH   OTR   1,750 700 0
VERIZON COMMUNICATIONS INC Common Stock 92343V104   905,333 22,978 SH   SOLE   22,978 0 0
VISA INC Common Stock 92826C839   26,178 126 SH   OTR   126 0 0
VISA INC Common Stock 92826C839   291,695 1,404 SH   SOLE   1,404 0 0
WASTE MGMT INC DEL Common Stock 94106L109   1,001,522 6,384 SH   SOLE   6,384 0 0
ZIMMER BIOMET HOLDINGS INC Common Stock 98956P102   15,300 120 SH   OTR   120 0 0
ZIMMER BIOMET HOLDINGS INC Common Stock 98956P102   234,855 1,842 SH   SOLE   1,842 0 0
ZOETIS INC Common Stock 98978V103   240,342 1,640 SH   SOLE   1,640 0 0