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 COMPANY COM 88579y101 860 5,513 SH   SOLE   5,073 0 440
3M COMPANY COM 88579y101 325 2,082 SH   OTR   500 0 1,582
ABBOTT LABORATORIES COM 002824100 1,012 11,073 SH   SOLE   9,998 0 1,075
ABBOTT LABORATORIES COM 002824100 110 1,200 SH   OTR   0 0 1,200
ABBVIE INC. COM 00287Y109 1,168 11,898 SH   SOLE   10,723 0 1,175
ABBVIE INC. COM 00287Y109 215 2,193 SH   OTR   843 0 1,350
ADOBE SYS INC COM COM 00724F101 5,218 11,987 SH   SOLE   11,117 0 870
ADOBE SYS INC COM COM 00724F101 255 585 SH   OTR   200 0 385
AFLAC INC COM COM 001055102 538 14,925 SH   SOLE   13,675 0 1,250
AFLAC INC COM COM 001055102 187 5,200 SH   OTR   1,800 0 3,400
ALPHABET INC CLASS A COM 02079K305 340 240 SH   SOLE   240 0 0
ALPHABET INC CLASS A COM 02079K305 184 130 SH   OTR   0 0 130
AMERCO COM 023586100 680 2,250 SH   SOLE   2,250 0 0
AMERCO COM 023586100 29 95 SH   OTR   95 0 0
AMGEN INC COM 031162100 5,501 23,325 SH   SOLE   21,670 0 1,655
AMGEN INC COM 031162100 314 1,330 SH   OTR   625 0 705
APPLE COMPUTER INC COM COM 037833100 8,105 22,216 SH   SOLE   20,660 0 1,556
APPLE COMPUTER INC COM COM 037833100 1,523 4,176 SH   OTR   1,875 0 2,301
ASPEN GROUP INC COM 04530L203 1,590 175,700 SH   SOLE   175,700 0 0
AT&T INC COM COM 00206R102 266 8,799 SH   SOLE   8,799 0 0
AT&T INC COM COM 00206R102 31 1,030 SH   OTR   0 0 1,030
AUTOMATIC DATA PROCESS COM COM 053015103 1,918 12,881 SH   SOLE   11,741 0 1,140
AUTOMATIC DATA PROCESS COM COM 053015103 808 5,425 SH   OTR   2,400 0 3,025
AXON ENTERPRISE INC COM 05464C101 1,276 13,000 SH   SOLE   13,000 0 0
B & M EUROPEAN VAL COM 05590y100 704 35,900 SH   SOLE   35,900 0 0
BECTON DICKINSON & CO COM COM 075887109 4,205 17,574 SH   SOLE   16,262 0 1,312
BECTON DICKINSON & CO COM COM 075887109 483 2,020 SH   OTR   1,000 0 1,020
BERKSHIRE HATHAWAY INC CL B COM 084670702 3,899 21,839 SH   SOLE   20,460 0 1,379
BERKSHIRE HATHAWAY INC CL B COM 084670702 1,169 6,550 SH   OTR   3,250 0 3,300
BEST BUY CO COM 086516101 4,844 55,510 SH   SOLE   51,845 0 3,665
BEST BUY CO COM 086516101 86 990 SH   OTR   0 0 990
BOEING CO COM 097023105 329 1,793 SH   SOLE   1,718 0 75
BOEING CO COM 097023105 9 50 SH   OTR   50 0 0
BOOKING HOLDINGS INC. COM 09857l108 3,236 2,032 SH   SOLE   1,874 0 158
BOOKING HOLDINGS INC. COM 09857l108 250 157 SH   OTR   90 0 67
BROADRIDGE FINL SOLUTI COM COM 11133T103 3,460 27,417 SH   SOLE   25,517 0 1,900
BROADRIDGE FINL SOLUTI COM COM 11133T103 290 2,300 SH   OTR   1,600 0 700
BUNZL PLC COM 120738406 3,359 125,510 SH   SOLE   116,085 0 9,425
BUNZL PLC COM 120738406 163 6,100 SH   OTR   2,000 0 4,100
CALUMET SPECIALTY PRODUCTS PAR COM 131476103 134 58,840 SH   SOLE   58,840 0 0
CARGURUS INC COM 141788109 492 19,400 SH   SOLE   19,400 0 0
CHEVRONTEXACO CORP COM 166764100 889 9,960 SH   SOLE   9,410 0 550
CHEVRONTEXACO CORP COM 166764100 294 3,300 SH   OTR   1,350 0 1,950
CISCO SYS INC COM COM 17275R102 5,618 120,450 SH   SOLE   111,875 0 8,575
CISCO SYS INC COM COM 17275R102 466 9,990 SH   OTR   4,800 0 5,190
COCA COLA CO COM 191216100 990 22,164 SH   SOLE   21,715 0 450
COCA COLA CO COM 191216100 243 5,434 SH   OTR   3,300 0 2,134
COLGATE PALMOLIVE CO COM COM 194162103 549 7,500 SH   SOLE   7,500 0 0
COLGATE PALMOLIVE CO COM COM 194162103 73 1,000 SH   OTR   1,000 0 0
COMCAST CORP NEW CL A COM 20030N101 303 7,780 SH   SOLE   7,780 0 0
COMCAST CORP NEW CL A COM 20030N101 212 5,450 SH   OTR   2,300 0 3,150
COSTCO WHSL CORP NEW COM COM 22160K105 303 1,000 SH   SOLE   1,000 0 0
COSTCO WHSL CORP NEW COM COM 22160K105 908 2,995 SH   OTR   1,895 0 1,100
CUMMINS INC COM COM 231021106 703 4,055 SH   SOLE   3,870 0 185
CUMMINS INC COM COM 231021106 61 350 SH   OTR   200 0 150
DANAHER CORP DEL COM COM 235851102 6,528 36,919 SH   SOLE   33,971 0 2,948
DANAHER CORP DEL COM COM 235851102 587 3,319 SH   OTR   1,898 0 1,421
DASEKE INC COM 23753F107 67 17,000 SH   SOLE   17,000 0 0
DIGITAL REALTY TRUST INC COM 253868103 3,827 26,932 SH   SOLE   24,252 0 2,680
DIGITAL REALTY TRUST INC COM 253868103 167 1,175 SH   OTR   525 0 650
DOLLAR TREE INC COM 256746108 4,295 46,340 SH   SOLE   42,715 0 3,625
DOLLAR TREE INC COM 256746108 50 540 SH   OTR   0 0 540
EBAY INC COM COM 278642103 213 4,058 SH   SOLE   4,058 0 0
EBAY INC COM COM 278642103 131 2,500 SH   OTR   1,600 0 900
ECHOSTAR CORP COM 278768106 1,468 52,520 SH   SOLE   47,395 0 5,125
ECOLAB INC COM COM 278865100 4,775 24,002 SH   SOLE   22,010 0 1,992
ECOLAB INC COM COM 278865100 875 4,400 SH   OTR   2,000 0 2,400
EMERSON ELEC CO COM 291011104 1,288 20,758 SH   SOLE   19,213 0 1,545
EMERSON ELEC CO COM 291011104 304 4,900 SH   OTR   1,500 0 3,400
EOG RES INC COM COM 26875P101 1,535 30,293 SH   SOLE   28,143 0 2,150
EOG RES INC COM COM 26875P101 2 45 SH   OTR   0 0 45
ESSENTIAL UTILITIES ORD SHS COM 29670G102 723 17,120 SH   SOLE   17,120 0 0
ETSY INC COM 29786A106 1,434 13,500 SH   SOLE   13,500 0 0
FEDEX CORP COM COM 31428X106 2,340 16,687 SH   SOLE   15,250 0 1,437
FEDEX CORP COM COM 31428X106 18 125 SH   OTR   125 0 0
FORTIVE CORPORATION COM 34959j108 2,775 41,013 SH   SOLE   38,096 0 2,917
FORTIVE CORPORATION COM 34959j108 147 2,176 SH   OTR   1,208 0 968
FRANCO-NEVADA CORP COM 351858105 3,995 28,612 SH   SOLE   26,747 0 1,865
FRANCO-NEVADA CORP COM 351858105 301 2,155 SH   OTR   850 0 1,305
GAMCO GLOBAL GOLD NATURAL RESO COM 36465A109 103 30,000 SH   SOLE   30,000 0 0
GCI LIBERTY CL A COM 36164V305 925 13,000 SH   SOLE   13,000 0 0
GENERAL MILLS INC COM COM 370334104 300 4,860 SH   SOLE   4,560 0 300
GLADSTONE CAPITAL ORD SHS COM 376535100 73 10,000 SH   SOLE   10,000 0 0
GRAINGER W W INC COM COM 384802104 314 1,000 SH   SOLE   1,000 0 0
GRAINGER W W INC COM COM 384802104 196 625 SH   OTR   275 0 350
HEALTHEQUITY INC COM 42226A107 557 9,500 SH   SOLE   9,500 0 0
HEALTHEQUITY INC COM 42226A107 199 3,400 SH   OTR   0 0 3,400
HERSHEY FOODS CORP COM 427866108 220 1,700 SH   SOLE   1,700 0 0
INTERNATIONAL BUS MACH COM 459200101 172 1,426 SH   SOLE   737 0 689
INTERNATIONAL BUS MACH COM 459200101 36 300 SH   OTR   0 0 300
J P MORGAN CHASE & CO COM COM 46625H100 450 4,780 SH   SOLE   4,780 0 0
J P MORGAN CHASE & CO COM COM 46625H100 127 1,350 SH   OTR   0 0 1,350
JOHNSON & JOHNSON COM 478160104 4,026 28,631 SH   SOLE   26,321 0 2,310
JOHNSON & JOHNSON COM 478160104 471 3,350 SH   OTR   1,700 0 1,650
JOINT CORP COM 47973J102 527 34,500 SH   SOLE   34,500 0 0
KONINKLIJKE BOSKAL COM 78012m103 549 126,200 SH   SOLE   126,200 0 0
LENDING TREE INC COM 52603B107 434 1,500 SH   SOLE   1,500 0 0
LIBERTY LATIN AMERICA LTD COM g9001e102 457 47,000 SH   SOLE   47,000 0 0
LINDBLAD EXPEDITIONS INC COM 535219109 270 35,000 SH   SOLE   35,000 0 0
LINDE PLC ORDINARY SHARE COM g5494j103 148 700 SH   SOLE   700 0 0
LINDE PLC ORDINARY SHARE COM g5494j103 180 850 SH   OTR   700 0 150
LOWES COS INC COM COM 548661107 5,063 37,468 SH   SOLE   34,843 0 2,625
LOWES COS INC COM COM 548661107 307 2,275 SH   OTR   925 0 1,350
MEDTRONIC PLC COM G5960L103 832 9,075 SH   SOLE   8,325 0 750
MEDTRONIC PLC COM G5960L103 46 500 SH   OTR   300 0 200
MERCK & CO NEW COM 58933Y105 293 3,795 SH   SOLE   3,795 0 0
MERCK & CO NEW COM 58933Y105 170 2,200 SH   OTR   0 0 2,200
MICROSOFT CORP COM 594918104 1,035 5,085 SH   SOLE   4,435 0 650
MICROSOFT CORP COM 594918104 387 1,900 SH   OTR   0 0 1,900
NEXTERA ENERGY INC COM 65339F101 4,769 19,855 SH   SOLE   18,930 0 925
NEXTERA ENERGY INC COM 65339F101 558 2,325 SH   OTR   550 0 1,775
NORFOLK SOUTHERN COM 655844108 247 1,405 SH   SOLE   1,135 0 270
NORTHERN TRUST COMPANY COM 665859104 3,009 37,920 SH   SOLE   35,005 0 2,915
NORTHERN TRUST COMPANY COM 665859104 87 1,095 SH   OTR   0 0 1,095
NOVARTIS A G SPONSORED ADR COM 66987V109 246 2,813 SH   SOLE   2,813 0 0
NOVARTIS A G SPONSORED ADR COM 66987V109 241 2,761 SH   OTR   1,668 0 1,093
NUTRIEN LTD COM 67077M108 3,832 119,365 SH   SOLE   110,055 0 9,310
NUTRIEN LTD COM 67077M108 112 3,500 SH   OTR   0 0 3,500
OXFORD LANE CAPITAL ORD SHS COM 691543102 41 10,000 SH   SOLE   10,000 0 0
PAYPAL HOLDINGS, INC. COM 70450Y103 291 1,670 SH   SOLE   1,670 0 0
PAYPAL HOLDINGS, INC. COM 70450Y103 745 4,275 SH   OTR   3,475 0 800
PEPSICO INC COM 713448108 106 805 SH   SOLE   805 0 0
PEPSICO INC COM 713448108 132 1,000 SH   OTR   0 0 1,000
PROCTER & GAMBLE CO COM 742718109 127 1,064 SH   SOLE   1,064 0 0
PROCTER & GAMBLE CO COM 742718109 126 1,050 SH   OTR   950 0 100
QUAKER CHEMICAL COM 747316107 751 4,047 SH   SOLE   4,047 0 0
S&P GLOBAL INC COM COM 78409V104 6,305 19,135 SH   SOLE   17,570 0 1,565
S&P GLOBAL INC COM COM 78409V104 764 2,320 SH   OTR   900 0 1,420
SHARPSPRING INC. COM 820054104 263 30,000 SH   SOLE   30,000 0 0
SHERWIN WILLIAMS COM 824348106 491 850 SH   SOLE   640 0 210
SHERWIN WILLIAMS COM 824348106 153 265 SH   OTR   0 0 265
SKYLINE CHAMPION CORP COM 830830105 576 23,650 SH   SOLE   23,650 0 0
SONOS ORD SHS COM 83570H108 146 10,000 SH   SOLE   10,000 0 0
SOUTHERN CO COM COM 842587107 179 3,444 SH   SOLE   2,744 0 700
SOUTHERN CO COM COM 842587107 161 3,100 SH   OTR   1,000 0 2,100
SPROTT PHYSICAL GOLD TRUST COM 85207h104 2,037 142,375 SH   SOLE   132,075 0 10,300
SS$C TECHNOLOGY HOLDINGS INC. COM 78467J100 3,445 61,000 SH   SOLE   57,325 0 3,675
SS$C TECHNOLOGY HOLDINGS INC. COM 78467J100 72 1,275 SH   OTR   0 0 1,275
STARBUCKS CORP COM COM 855244109 3,967 53,910 SH   SOLE   50,135 0 3,775
STARBUCKS CORP COM COM 855244109 81 1,100 SH   OTR   0 0 1,100
SYSCO CORP COM 871829107 654 11,962 SH   SOLE   11,662 0 300
SYSCO CORP COM 871829107 333 6,100 SH   OTR   1,600 0 4,500
THEWORKS.CO.UK COM G9541C103 116 437,000 SH   SOLE   437,000 0 0
TOTAL FINA ELF S A SPONSORED A COM 89151E109 3,212 83,515 SH   SOLE   76,915 0 6,600
TOTAL FINA ELF S A SPONSORED A COM 89151E109 14 375 SH   OTR   0 0 375
TRUPANION INC COM 898202106 1,025 24,000 SH   SOLE   24,000 0 0
ULTA SALON COSM & FRAG COM COM 90384S303 3,288 16,164 SH   SOLE   15,152 0 1,012
ULTA SALON COSM & FRAG COM COM 90384S303 142 700 SH   OTR   200 0 500
UNION PACIFIC CORP COM 907818108 4,547 26,894 SH   SOLE   25,237 0 1,657
UNION PACIFIC CORP COM 907818108 725 4,290 SH   OTR   2,275 0 2,015
V F CORP COM COM 918204108 256 4,200 SH   SOLE   4,200 0 0
V F CORP COM COM 918204108 61 1,000 SH   OTR   0 0 1,000
VAIL RESORTS COM 91879Q109 346 1,900 SH   SOLE   1,900 0 0
VERIZON COMMUNICAT COM 92343v104 244 4,430 SH   SOLE   4,430 0 0
VERIZON COMMUNICAT COM 92343v104 20 355 SH   OTR   0 0 355
WAL-MART STORES COM 931142103 3,848 32,122 SH   SOLE   29,380 0 2,742
WAL-MART STORES COM 931142103 184 1,540 SH   OTR   0 0 1,540
WASTE MGMT INC DEL COM COM 94106L109 212 2,000 SH   SOLE   2,000 0 0
WASTE MGMT INC DEL COM COM 94106L109 657 6,200 SH   OTR   4,200 0 2,000
WESTERN MIDSTREAM PARTNERS COM COM 958669103 100 10,000 SH   SOLE   10,000 0 0
WIZZ AIR HLDGS PLC COM g96871101 536 13,257 SH   SOLE   13,257 0 0
XCEL ENERGY INC COM COM 98389B100 669 10,705 SH   SOLE   9,345 0 1,360
ISHARES CORE S&P 500 COM 464287200 991 3,200 SH   SOLE   3,200 0 0
ISHARES CORE S&P MID CAP COM 464287507 202 1,138 SH   SOLE   1,138 0 0
ISHARES TR RUSL 2000 VALU COM 464287630 300 3,075 SH   SOLE   2,600 0 475
ISHARES TR RUSSELL 2000 COM 464287655 1,908 13,328 SH   SOLE   11,254 0 2,074
ISHARES TR RUSSELL 2000 COM 464287655 276 1,925 SH   OTR   1,250 0 675
ISHARES TR S&P SMLCAP 600 COM 464287804 641 9,381 SH   SOLE   9,306 0 75
ISHARES TR S&P SMLCAP 600 COM 464287804 7 100 SH   OTR   0 0 100
SPDR S&P MIDCAP 400 ETF COM 78467Y107 412 1,269 SH   SOLE   1,219 0 50
SPDR TR UNIT SER 1 COM 78462F103 416 1,350 SH   SOLE   1,310 0 40
ISHARES TR MSCI EAFE IDX (EFA) COM 464287465 143 2,345 SH   SOLE   2,315 0 30
ISHARES TR MSCI EAFE IDX (EFA) COM 464287465 61 1,000 SH   OTR   0 0 1,000
SCHWAB GOVT MONEY FUND COM 808515613 300 300,000 SH   SOLE   300,000 0 0
VANGUARD FXD INC SECS GNMA ADM COM 922031794 130 12,000 SH   SOLE   12,000 0 0
DASEKE WARRANTS WT 23753F115 14 228,620 SH   SOLE   228,620 0 0