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
ABBOTT LABS COM Common Stock 002824100 222 2,031 SH   SOLE   2,031 0 0
ABBVIE INC Common Stock 00287Y109 507 4,730 SH   SOLE   4,730 0 0
AFLAC INC Common Stock 001055102 242 5,450 SH   SOLE   5,450 0 0
ALPHABET INC CLASS A Common Stock 02079K305 529 302 SH   SOLE   302 0 0
ALPHABET INC CLASS A Common Stock 02079K305 37 21 SH   OTR   21 0 0
ALPHABET INC CLASS C Common Stock 02079K107 226 129 SH   SOLE   129 0 0
ALTRIA GROUP INC Common Stock 02209S103 246 6,012 SH   SOLE   6,012 0 0
AMAZON COM INC Common Stock 023135106 498 153 SH   SOLE   153 0 0
AMAZON COM INC Common Stock 023135106 36 11 SH   OTR   11 0 0
AMES NATL CORP COM Common Stock 031001100 240 10,000 SH   SOLE   10,000 0 0
AMGEN INC Common Stock 031162100 521 2,266 SH   SOLE   2,266 0 0
APPLE INC Common Stock 037833100 2,428 18,299 SH   SOLE   18,299 0 0
APPLE INC Common Stock 037833100 40 300 SH   OTR   300 0 0
ASTRAZENECA PLC SPON ADR Int'l Common Stock 046353108 256 5,125 SH   SOLE   5,125 0 0
AT&T INC COM Common Stock 00206R102 309 10,730 SH   SOLE   10,730 0 0
BANK OF AMERICA CORP Common Stock 060505104 534 17,612 SH   SOLE   17,612 0 0
BERKSHIRE HATHAWAY INC CL B Common Stock 084670702 997 4,301 SH   SOLE   4,301 0 0
BRISTOL MYERS SQUIBB CO COM Common Stock 110122108 393 6,331 SH   SOLE   6,331 0 0
CATERPILLAR INC STOCK Common Stock 149123101 508 2,791 SH   SOLE   2,791 0 0
CHEVRON CORPORATION Common Stock 166764100 211 2,495 SH   SOLE   2,495 0 0
CISCO SYSTEMS INC Common Stock 17275R102 557 12,437 SH   SOLE   12,437 0 0
CITIGROUP INC Common Stock 172967424 307 4,978 SH   SOLE   4,978 0 0
COCA COLA COMMON STOCK Common Stock 191216100 396 7,228 SH   SOLE   7,228 0 0
COMCAST CORP NEW CL A Common Stock 20030N101 288 5,502 SH   SOLE   5,502 0 0
COSTCO WHOLESALE CORP Common Stock 22160K105 433 1,148 SH   SOLE   1,148 0 0
CUMMINS INC COM Common Stock 231021106 431 1,900 SH   SOLE   1,900 0 0
DANAHER CORPORATION Common Stock 235851102 469 2,112 SH   SOLE   2,112 0 0
DEERE & CO COM Common Stock 244199105 310 1,152 SH   SOLE   1,152 0 0
DISNEY (WALT) HOLDING CO Common Stock 254687106 802 4,429 SH   SOLE   4,429 0 0
DUKE ENERGY HLDG Common Stock 26441C204 412 4,502 SH   SOLE   4,502 0 0
ELI LILLY & CO Common Stock 532457108 475 2,814 SH   SOLE   2,814 0 0
ETF VANGUARD EMERGING MARKETS Exchange Traded Fund 922042858 5,082 101,422 SH   SOLE   101,422 0 0
ETF VANGUARD EMERGING MARKETS Exchange Traded Fund 922042858 8 165 SH   OTR   165 0 0
FACEBOOK Common Stock 30303M102 299 1,093 SH   SOLE   1,093 0 0
FULTON FINL CORP PA COM Common Stock 360271100 328 26,129 SH   SOLE   26,129 0 0
GOLDMAN SACHS GROUP INC Common Stock 38141G104 473 1,793 SH   SOLE   1,793 0 0
HEARTLAND FINL USA INC COM Common Stock 42234Q102 323 8,000 SH   SOLE   8,000 0 0
HOME DEPOT INC COMMON STOCK Common Stock 437076102 994 3,743 SH   SOLE   3,743 0 0
HONEYWELL INTL INC COM Common Stock 438516106 379 1,784 SH   SOLE   1,784 0 0
INTEL CORP COM Common Stock 458140100 483 9,700 SH   SOLE   9,700 0 0
INVESCO QQQ TR UNIT SER 1 Exchange Traded Fund 46090E103 238 760 SH   SOLE   760 0 0
ISHARE BARCLAYS TIPS BOND FD Exchange Traded Fund 464287176 237 1,857 SH   SOLE   1,857 0 0
ISHARE DOW JONES BASIC MATERIALS Exchange Traded Fund 464287838 1,252 11,059 SH   SOLE   11,059 0 0
ISHARE DOW JONES CONSUMER GOODS Exchange Traded Fund 464287812 2,372 13,681 SH   SOLE   13,681 0 0
ISHARE DOW JONES CONSUMER SERVICES Exchange Traded Fund 464287580 4,141 58,733 SH   SOLE   58,733 0 0
ISHARE DOW JONES ENERGY Exchange Traded Fund 464287796 586 28,970 SH   SOLE   28,970 0 0
ISHARE DOW JONES FINANCIAL SECTOR Exchange Traded Fund 464287788 4,048 61,248 SH   SOLE   61,248 0 0
ISHARE DOW JONES HEALTHCARE Exchange Traded Fund 464287762 4,672 19,195 SH   SOLE   19,195 0 0
ISHARE DOW JONES INDUSTRIAL Exchange Traded Fund 464287754 3,728 38,390 SH   SOLE   38,390 0 0
ISHARE DOW JONES INTL SELECT DIV IDX Exchange Traded Fund 464288448 652 22,133 SH   SOLE   22,133 0 0
ISHARE DOW JONES SELECT DIV INDEX FUND Exchange Traded Fund 464287168 1,195 12,429 SH   SOLE   12,429 0 0
ISHARE DOW JONES TECH Exchange Traded Fund 464287721 8,404 98,772 SH   SOLE   98,772 0 0
ISHARE DOW JONES TELECOM Exchange Traded Fund 464287713 761 25,176 SH   SOLE   25,176 0 0
ISHARE DOW JONES U.S. TOTAL MARKET INDEX Exchange Traded Fund 464287846 379 4,018 SH   SOLE   4,018 0 0
ISHARE DOW JONES UTILITIES Exchange Traded Fund 464287697 988 12,914 SH   SOLE   12,914 0 0
ISHARE MSCI EAFE FUND Exchange Traded Fund 464287465 10,143 139,023 SH   SOLE   139,023 0 0
ISHARE S&P 500/ GROWTH INDEXFUND Exchange Traded Fund 464287309 214 3,359 SH   SOLE   3,359 0 0
ISHARE S&P MID CAP 400 INDEX Exchange Traded Fund 464287507 420 1,826 SH   SOLE   1,826 0 0
ISHARE S&P MIDCAP 400/GROWTH INDEX FUND Exchange Traded Fund 464287606 5,017 69,475 SH   SOLE   69,475 0 0
ISHARE S&P MIDCAP 400/VALUE INDEX FUND Exchange Traded Fund 464287705 4,026 46,654 SH   SOLE   46,654 0 0
ISHARE S&P SMALL CAP 600 GROWTH INDEX Exchange Traded Fund 464287887 3,847 33,694 SH   SOLE   33,694 0 0
ISHARE S&P SMALLCAP 600 BARRA VALUE IND Exchange Traded Fund 464287879 3,264 40,140 SH   SOLE   40,140 0 0
ISHARES CORE S&P SMALL CAP 600 Exchange Traded Fund 464287804 373 4,057 SH   SOLE   4,057 0 0
ISHARES DJ US REAL ESTATE Exchange Traded Fund 464287739 5,836 68,858 SH   SOLE   68,858 0 0
ISHARES DJ US REAL ESTATE Exchange Traded Fund 464287739 61 720 SH   OTR   720 0 0
ISHARES MSCI USA VALUE FACTOR ETF Exchange Traded Fund 46432F388 222 2,555 SH   SOLE   2,555 0 0
ISHARES NATIONAL MUNI BD ETF Exchange Traded Fund 464288414 312 2,665 SH   SOLE   2,665 0 0
ISHARES TR CORE HIGH DV ETF Exchange Traded Fund 46429B663 453 5,165 SH   SOLE   5,165 0 0
ISHARES TR CORE MSCI EAFE Exchange Traded Fund 46432F842 1,498 21,686 SH   SOLE   21,686 0 0
ISHARES TR CORE MSCI EAFE Exchange Traded Fund 46432F842 33 480 SH   OTR   480 0 0
ISHARES TR MIN VOL USA ETF Exchange Traded Fund 46429B697 329 4,843 SH   SOLE   4,843 0 0
ISHARE-S&P 500 VALUE INDEX FUND Exchange Traded Fund 464287408 213 1,661 SH   SOLE   1,661 0 0
JOHNSON & JOHNSON COM Common Stock 478160104 1,065 6,767 SH   SOLE   6,767 0 0
JP MORGAN EXCHANGE TRADED FD ULTRA SHRT INC Exchange Traded Fund 46641Q837 4,133 81,373 SH   SOLE   81,373 0 0
JP MORGAN EXCHANGE TRADED FD ULTRA SHRT INC Exchange Traded Fund 46641Q837 241 4,750 SH   OTR   4,750 0 0
JPMORGAN CHASE & CO COM Common Stock 46625H100 816 6,419 SH   SOLE   6,419 0 0
KEYCORP Common Stock 493267108 209 12,750 SH   SOLE   12,750 0 0
KIMBERLY CLARK CORP Common Stock 494368103 304 2,258 SH   SOLE   2,258 0 0
LOWES COMPANIES INC Common Stock 548661107 261 1,627 SH   SOLE   1,627 0 0
MCDONALDS CORP Common Stock 580135101 692 3,223 SH   SOLE   3,223 0 0
MEDTRONIC PLC Common Stock G5960L103 491 4,195 SH   SOLE   4,195 0 0
MERCK & CO INC COM Common Stock 58933Y105 360 4,401 SH   SOLE   4,401 0 0
MICROSOFT CORP Common Stock 594918104 1,422 6,392 SH   SOLE   6,392 0 0
MORGAN STANLEY Common Stock 617446448 322 4,704 SH   SOLE   4,704 0 0
NETFLIX INC COM Common Stock 64110L106 257 475 SH   SOLE   475 0 0
NEXTERA ENERGY INC Common Stock 65339F101 225 2,916 SH   SOLE   2,916 0 0
NVIDIA CORP Common Stock 67066G104 344 658 SH   SOLE   658 0 0
NYMOX PHARMACEUTICAL CORP ORD SHS Corp Common Stock P73398102 89 35,100 SH   SOLE   35,100 0 0
ORACLE CORP COM Common Stock 68389X105 259 4,000 SH   SOLE   4,000 0 0
PEPSICO INC COM Common Stock 713448108 280 1,886 SH   SOLE   1,886 0 0
PFIZER INC COMMON STOCK Common Stock 717081103 673 18,280 SH   SOLE   18,280 0 0
PHILLIP MORRIS INTL INC Common Stock 718172109 223 2,698 SH   SOLE   2,698 0 0
PROCTER & GAMBLE CO COM Common Stock 742718109 444 3,189 SH   SOLE   3,189 0 0
RAYTHEON TECHNOLOGIES CORP ORD SHS Common Stock 75513E101 208 2,911 SH   SOLE   2,911 0 0
RINGCENTRAL ORD SHS CLASS A Common Stock 76680R206 303 782 SH   SOLE   782 0 0
SALESFORCE.COM INC ORD SHS Common Stock 79466L302 204 916 SH   SOLE   916 0 0
SPDR DOW JONES INDL AVRG ETF UT SER 1 Exchange Traded Fund 78467X109 236 775 SH   SOLE   775 0 0
SPDR TR UNIT SER 1 S&P INDEX 500 Exchange Traded Fund 78462F103 296 791 SH   SOLE   791 0 0
STEEL DYNAMICS INC Common Stock 858119100 282 7,656 SH   SOLE   7,656 0 0
TARGET CORP Common Stock 87612E106 559 3,167 SH   SOLE   3,167 0 0
UNILEVER PLC AMER ADR Int'l Common Stock 904767704 222 3,674 SH   SOLE   3,674 0 0
UNION PACIFIC CORP Common Stock 907818108 427 2,049 SH   SOLE   2,049 0 0
UNITED HEALTH GROUP INC Common Stock 91324P102 411 1,171 SH   SOLE   1,171 0 0
US BANCORP DEL COM Common Stock 902973304 763 16,377 SH   SOLE   16,377 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS Exchange Traded Fund 922908363 1,342 3,906 SH   SOLE   3,906 0 0
VANGUARD TAX MANAGED INTL FD Exchange Traded Fund 921943858 562 11,896 SH   SOLE   11,896 0 0
VANGUARD TOTAL STOCK MKT INDEX Exchange Traded Fund 922908769 1,006 5,167 SH   SOLE   5,167 0 0
VERIZON COMM INC Common Stock 92343V104 508 8,641 SH   SOLE   8,641 0 0
VISA INC Common Stock 92826C839 340 1,553 SH   SOLE   1,553 0 0
WAL MART STORES INC COM Common Stock 931142103 516 3,579 SH   SOLE   3,579 0 0
WELLS FARGO & CO NEW Common Stock 949746101 431 14,278 SH   SOLE   14,278 0 0
WINNEBAGO INDUSTRIES COMMON Common Stock 974637100 810 12,876 SH   SOLE   12,876 0 0