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<informationTable xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns="http://www.sec.gov/edgar/document/thirteenf/informationtable">
<infoTable><nameOfIssuer>3 M</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>88579Y101</cusip><value>479646</value><shrsOrPrnAmt><sshPrnamt>2922</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2922</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ABBVIE</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>00287Y109</cusip><value>630170</value><shrsOrPrnAmt><sshPrnamt>2409</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2409</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ADOBE SYS</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>00724F101</cusip><value>489718</value><shrsOrPrnAmt><sshPrnamt>2041</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2041</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ADVANCED MICRO DEVICES</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>007903107</cusip><value>228798</value><shrsOrPrnAmt><sshPrnamt>374</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>374</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>AIR PRODS &amp;</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>009158106</cusip><value>297706</value><shrsOrPrnAmt><sshPrnamt>1070</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1070</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ALPHABET</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>02079K305</cusip><value>5178404</value><shrsOrPrnAmt><sshPrnamt>15050</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>15050</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>AMAZON.COM</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>023135106</cusip><value>1971026</value><shrsOrPrnAmt><sshPrnamt>7911</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>7911</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>AMERICAN ELECTRIC</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>025537101</cusip><value>305379</value><shrsOrPrnAmt><sshPrnamt>2574</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2574</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ANALOG</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>032654105</cusip><value>2086298</value><shrsOrPrnAmt><sshPrnamt>5259</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>5259</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>APPLE</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>037833100</cusip><value>4571033</value><shrsOrPrnAmt><sshPrnamt>13726</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>13726</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>AT&amp;T</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>00206R102</cusip><value>522648</value><shrsOrPrnAmt><sshPrnamt>21420</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>21420</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>BANK NEW YORK MELLON</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>064058100</cusip><value>1208384</value><shrsOrPrnAmt><sshPrnamt>8355</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>8355</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>BECTON DICKINSON</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>075887109</cusip><value>232700</value><shrsOrPrnAmt><sshPrnamt>1300</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1300</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>BERKSHIRE HATHAWAY INC</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>084670702</cusip><value>5076102</value><shrsOrPrnAmt><sshPrnamt>10194</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>10194</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>BLACKROCK</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>09290D101</cusip><value>342886</value><shrsOrPrnAmt><sshPrnamt>324</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>324</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>CATERPILLAR</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>149123101</cusip><value>865924</value><shrsOrPrnAmt><sshPrnamt>1068</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1068</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>CENCORA</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>03073E105</cusip><value>1240033</value><shrsOrPrnAmt><sshPrnamt>4130</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>4130</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>CHARLES SCHWAB</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>808513105</cusip><value>415004</value><shrsOrPrnAmt><sshPrnamt>4246</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>4246</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>CHEVRON</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>166764100</cusip><value>818065</value><shrsOrPrnAmt><sshPrnamt>4006</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>4006</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>CISCO SYSTEMS</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>17275R102</cusip><value>1220524</value><shrsOrPrnAmt><sshPrnamt>11340</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>11340</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>CITIGROUP</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>172967424</cusip><value>335353</value><shrsOrPrnAmt><sshPrnamt>2590</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2590</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>CME GROUP</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>12572Q105</cusip><value>445104</value><shrsOrPrnAmt><sshPrnamt>1699</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1699</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>COCA COLA</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>191216100</cusip><value>877500</value><shrsOrPrnAmt><sshPrnamt>10194</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>10194</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>COMCAST</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>20030N101</cusip><value>590175</value><shrsOrPrnAmt><sshPrnamt>27122</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>27122</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>CONOCO</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>20825C104</cusip><value>365438</value><shrsOrPrnAmt><sshPrnamt>2920</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2920</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>CVS HEALTH</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>126650100</cusip><value>769925</value><shrsOrPrnAmt><sshPrnamt>8985</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>8985</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>DEVON ENERGY</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>25179M103</cusip><value>427021</value><shrsOrPrnAmt><sshPrnamt>9275</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>9275</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ELEVANCE HEALTH</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>036752103</cusip><value>1140020</value><shrsOrPrnAmt><sshPrnamt>2932</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2932</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ENBRIDGE</nameOfIssuer><titleOfClass>Int'l Common Stock</titleOfClass><cusip>29250N105</cusip><value>1343329</value><shrsOrPrnAmt><sshPrnamt>28895</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>28895</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ESSENTIAL UTILS</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>29670G102</cusip><value>507589</value><shrsOrPrnAmt><sshPrnamt>12952</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>12952</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>EXXONMOBIL HOLDINGS CORP</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>30233Q108</cusip><value>2448574</value><shrsOrPrnAmt><sshPrnamt>15045</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>15045</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>FEDEX</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>31428X106</cusip><value>212392</value><shrsOrPrnAmt><sshPrnamt>745</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>745</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>GARMIN</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>H2906T109</cusip><value>587448</value><shrsOrPrnAmt><sshPrnamt>2048</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2048</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>GENERAL DYNAMICS</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>369550108</cusip><value>1565242</value><shrsOrPrnAmt><sshPrnamt>4717</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>4717</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>GSK PLC SPONSORED</nameOfIssuer><titleOfClass>Int'l Common Stock</titleOfClass><cusip>37733W204</cusip><value>242295</value><shrsOrPrnAmt><sshPrnamt>5030</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>5030</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>HOME DEPOT</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>437076102</cusip><value>887609</value><shrsOrPrnAmt><sshPrnamt>3120</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>3120</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>HONEYWELL AEROSPACE INC</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>43849R105</cusip><value>300022</value><shrsOrPrnAmt><sshPrnamt>1936</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1936</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>HONEYWELL INTL INC</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>438516205</cusip><value>403106</value><shrsOrPrnAmt><sshPrnamt>1911</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1911</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>INTERNATIONAL FLAVORS &amp;</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>459506101</cusip><value>373656</value><shrsOrPrnAmt><sshPrnamt>4476</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>4476</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>INVESCO QQQ</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>46090E103</cusip><value>2796331</value><shrsOrPrnAmt><sshPrnamt>3780</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>3780</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ISHARES HIGH YIELD CORPORATE</nameOfIssuer><titleOfClass>Fixed Income ETF</titleOfClass><cusip>464288513</cusip><value>247072</value><shrsOrPrnAmt><sshPrnamt>3200</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>3200</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ISHARES MICRO CAP</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>464288869</cusip><value>693000</value><shrsOrPrnAmt><sshPrnamt>3750</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>3750</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ISHARES MSCI</nameOfIssuer><titleOfClass>International Equity ETF</titleOfClass><cusip>464287465</cusip><value>776474</value><shrsOrPrnAmt><sshPrnamt>7474</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>7474</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ISHARES RUSSELL</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>464287655</cusip><value>436009</value><shrsOrPrnAmt><sshPrnamt>1569</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1569</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ISHARES SELECT DIVIDEND</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>464287168</cusip><value>2253221</value><shrsOrPrnAmt><sshPrnamt>14817</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>14817</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ISHARES TR U.S.</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>464288687</cusip><value>2366785</value><shrsOrPrnAmt><sshPrnamt>80230</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>80230</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>JOHNSON &amp;</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>478160104</cusip><value>1881242</value><shrsOrPrnAmt><sshPrnamt>7106</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>7106</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>JP MORGAN</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>46625H100</cusip><value>1856618</value><shrsOrPrnAmt><sshPrnamt>5612</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>5612</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>KEURIG DR PEPPER</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>49271V100</cusip><value>201761</value><shrsOrPrnAmt><sshPrnamt>6650</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>6650</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>LOCKHEED MARTIN</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>539830109</cusip><value>356475</value><shrsOrPrnAmt><sshPrnamt>700</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>700</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>LOWE'S COMPANIES</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>548661107</cusip><value>1264782</value><shrsOrPrnAmt><sshPrnamt>6863</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>6863</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>MASTERCARD</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>57636Q104</cusip><value>1013050</value><shrsOrPrnAmt><sshPrnamt>1837</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1837</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>MCDONALDS</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>580135101</cusip><value>1265551</value><shrsOrPrnAmt><sshPrnamt>5480</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>5480</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>MCKESSON</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>58155Q103</cusip><value>1229486</value><shrsOrPrnAmt><sshPrnamt>1440</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1440</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>MEDTRONIC</nameOfIssuer><titleOfClass>Int'l Common Stock</titleOfClass><cusip>G5960L103</cusip><value>673839</value><shrsOrPrnAmt><sshPrnamt>7809</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>7809</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>MERCK &amp; CO</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>58933Y105</cusip><value>539100</value><shrsOrPrnAmt><sshPrnamt>3710</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>3710</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>META PLATFORMS</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>30303M102</cusip><value>1037733</value><shrsOrPrnAmt><sshPrnamt>1431</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1431</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>MICROSOFT</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>594918104</cusip><value>5882450</value><shrsOrPrnAmt><sshPrnamt>11469</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>11469</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>MONDELEZ INTERNATIONAL</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>609207105</cusip><value>708815</value><shrsOrPrnAmt><sshPrnamt>12259</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>12259</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>NEXTERA</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>65339F101</cusip><value>201923</value><shrsOrPrnAmt><sshPrnamt>2666</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2666</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>NOVARTIS</nameOfIssuer><titleOfClass>Int'l Common Stock</titleOfClass><cusip>66987V109</cusip><value>825480</value><shrsOrPrnAmt><sshPrnamt>5790</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>5790</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>NVIDIA</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>67066G104</cusip><value>745661</value><shrsOrPrnAmt><sshPrnamt>3265</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>3265</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>OMNICOM GROUP</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>681919106</cusip><value>464237</value><shrsOrPrnAmt><sshPrnamt>6305</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>6305</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ORACLE</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>68389X105</cusip><value>1249155</value><shrsOrPrnAmt><sshPrnamt>9098</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>9098</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>PEPSICO</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>713448108</cusip><value>1584000</value><shrsOrPrnAmt><sshPrnamt>12500</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>12500</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>PFIZER</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>717081103</cusip><value>630948</value><shrsOrPrnAmt><sshPrnamt>22123</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>22123</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>PHILIP MORRIS</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>718172109</cusip><value>547463</value><shrsOrPrnAmt><sshPrnamt>2869</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2869</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>PHILLIPS</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>718546104</cusip><value>345945</value><shrsOrPrnAmt><sshPrnamt>1355</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1355</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>PROCTER &amp; GAMBLE</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>742718109</cusip><value>925724</value><shrsOrPrnAmt><sshPrnamt>6372</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>6372</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>PUBLIC STORAGE OPER CO</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>74460D109</cusip><value>363732</value><shrsOrPrnAmt><sshPrnamt>1286</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1286</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>RTX</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>75513E101</cusip><value>392464</value><shrsOrPrnAmt><sshPrnamt>2114</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2114</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>S&amp;P SPDR CONSUMER</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>81369Y308</cusip><value>326108</value><shrsOrPrnAmt><sshPrnamt>4046</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>4046</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>S&amp;P SPDR SELECT</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>81369Y506</cusip><value>1452261</value><shrsOrPrnAmt><sshPrnamt>23614</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>23614</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>S&amp;P SPDR SELECT</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>81369Y605</cusip><value>915116</value><shrsOrPrnAmt><sshPrnamt>17137</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>17137</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>S&amp;P SPDR TECHNOLOGY SBI</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>81369Y803</cusip><value>1952998</value><shrsOrPrnAmt><sshPrnamt>9977</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>9977</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>S&amp;P SPDR</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>81369Y100</cusip><value>782512</value><shrsOrPrnAmt><sshPrnamt>16068</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>16068</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>S&amp;P SPDR</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>81369Y704</cusip><value>215571</value><shrsOrPrnAmt><sshPrnamt>1291</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1291</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>S&amp;P SPDR</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>81369Y886</cusip><value>527273</value><shrsOrPrnAmt><sshPrnamt>13369</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>13369</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>SALESFORCE</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>79466L302</cusip><value>217862</value><shrsOrPrnAmt><sshPrnamt>949</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>949</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>SANOFI</nameOfIssuer><titleOfClass>Int'l Common Stock</titleOfClass><cusip>80105N105</cusip><value>679800</value><shrsOrPrnAmt><sshPrnamt>16488</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>16488</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>81369Y860</cusip><value>664583</value><shrsOrPrnAmt><sshPrnamt>16245</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>16245</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>SLB LIMITED</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>806857108</cusip><value>277460</value><shrsOrPrnAmt><sshPrnamt>5695</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>5695</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>SPDR DOW JONES INDUSTRIAL</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>78467X109</cusip><value>822325</value><shrsOrPrnAmt><sshPrnamt>1617</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1617</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>SPDR GOLD TR</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>78463V107</cusip><value>536984</value><shrsOrPrnAmt><sshPrnamt>1410</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1410</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>SPDR S&amp;P 500</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>78462F103</cusip><value>713822</value><shrsOrPrnAmt><sshPrnamt>936</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>936</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>STARBUCKS</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>855244109</cusip><value>385236</value><shrsOrPrnAmt><sshPrnamt>4100</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>4100</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>TAIWAN SEMICONDUCTOR</nameOfIssuer><titleOfClass>Int'l Common Stock</titleOfClass><cusip>874039100</cusip><value>1569750</value><shrsOrPrnAmt><sshPrnamt>3441</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>3441</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>TESLA</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>88160R101</cusip><value>560955</value><shrsOrPrnAmt><sshPrnamt>1581</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1581</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>UNILEVER PLC</nameOfIssuer><titleOfClass>Int'l Common Stock</titleOfClass><cusip>904767803</cusip><value>598798</value><shrsOrPrnAmt><sshPrnamt>9860</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>9860</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>UNION PACIFIC</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>907818108</cusip><value>833262</value><shrsOrPrnAmt><sshPrnamt>3062</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>3062</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>VANGUARD COMMUNICATION</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>92204A884</cusip><value>778560</value><shrsOrPrnAmt><sshPrnamt>4085</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>4085</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>VANGUARD S&amp;P 500</nameOfIssuer><titleOfClass>Exchange Traded Fund</titleOfClass><cusip>922908363</cusip><value>3899585</value><shrsOrPrnAmt><sshPrnamt>5564</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>5564</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>VERIZON COMMUNICATIONS</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>92343V104</cusip><value>716902</value><shrsOrPrnAmt><sshPrnamt>15629</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>15629</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>VISA</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>92826C839</cusip><value>1399590</value><shrsOrPrnAmt><sshPrnamt>3895</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>3895</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>WAL-MART</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>931142103</cusip><value>1693896</value><shrsOrPrnAmt><sshPrnamt>16300</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>16300</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>WALT DISNEY</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>254687106</cusip><value>337673</value><shrsOrPrnAmt><sshPrnamt>3219</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>3219</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>WELLS FARGO</nameOfIssuer><titleOfClass>Common Stock</titleOfClass><cusip>949746101</cusip><value>1927844</value><shrsOrPrnAmt><sshPrnamt>24083</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>24083</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable>
</informationTable>
