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
AT&T INC COMMON STOCK 00206R102   155,517 10,354 SH   SOLE   9,422 0 932
AT&T INC COMMON STOCK 00206R102   32,773 2,182 SH   OTR   2,182 0 0
ABBVIE INC COMMON STOCK 00287Y109   228,660 1,534 SH   SOLE   1,201 0 333
ABBVIE INC COMMON STOCK 00287Y109   124,466 835 SH   OTR   835 0 0
ADOBE SYSTEMS INC COMMON STOCK 00724F101   472,170 926 SH   SOLE   837 0 89
ADOBE SYSTEMS INC COMMON STOCK 00724F101   81,584 160 SH   OTR   160 0 0
AGILENT TECHNOLOGIES INC COMMON STOCK 00846U101   428,941 3,836 SH   SOLE   3,783 0 53
ALPHABET INC COMMON STOCK 02079K107   1,198,518 9,090 SH   SOLE   8,491 0 599
ALPHABET INC COMMON STOCK 02079K107   92,295 700 SH   OTR   700 0 0
ALPHABET INC COMMON STOCK 02079K305   1,147,117 8,766 SH   SOLE   7,446 0 1,320
ALPHABET INC COMMON STOCK 02079K305   174,175 1,331 SH   OTR   1,195 0 136
ALTRIA GROUP INC COMMON STOCK 02209S103   563,052 13,390 SH   SOLE   13,064 0 326
ALTRIA GROUP INC COMMON STOCK 02209S103   51,848 1,233 SH   OTR   1,233 0 0
AMAZON COM INC SR COMMON STOCK 023135106   768,440 6,045 SH   SOLE   4,260 0 1,785
AMAZON COM INC SR COMMON STOCK 023135106   42,585 335 SH   OTR   335 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109   326,876 2,191 SH   SOLE   2,001 0 190
AMERICAN EXPRESS CO COMMON STOCK 025816109   141,432 948 SH   OTR   948 0 0
APPLE INC COMMON STOCK 037833100   4,649,895 27,159 SH   SOLE   24,168 0 2,991
APPLE INC COMMON STOCK 037833100   1,041,813 6,085 SH   OTR   5,965 0 120
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103   1,453,103 6,040 SH   SOLE   5,940 0 100
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100   328,148 7,694 SH   SOLE   7,552 0 142
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100   39,238 920 SH   OTR   920 0 0
BECTON DICKINSON & CO COMMON STOCK 075887109   734,743 2,842 SH   SOLE   2,800 0 42
BERKSHIRE HATHAWAY INC COMMON STOCK 084670108   1,594,431 3 SH   SOLE   3 0 0
BERKSHIRE HATHAWAY INC COMMON STOCK 084670702   564,685 1,612 SH   SOLE   1,311 0 301
BERKSHIRE HATHAWAY INC COMMON STOCK 084670702   31,877 91 SH   OTR   0 0 91
BLACKROCK INC COMMON STOCK 09247X101   243,727 377 SH   SOLE   357 0 20
BLACKROCK INC COMMON STOCK 09247X101   94,388 146 SH   OTR   146 0 0
BOEING CO COMMON STOCK 097023105   229,825 1,199 SH   SOLE   1,042 0 157
BOEING CO COMMON STOCK 097023105   1,917 10 SH   OTR   0 0 10
BOOKING HLDGS INC COMMON STOCK 09857L108   209,711 68 SH   SOLE   59 0 9
BOOKING HLDGS INC COMMON STOCK 09857L108   24,672 8 SH   OTR   8 0 0
BRISTOL-MYERS SQUIBB CO COMMON STOCK 110122108   1,812,707 31,232 SH   SOLE   30,396 0 836
BRISTOL-MYERS SQUIBB CO COMMON STOCK 110122108   22,578 389 SH   OTR   389 0 0
BROADRIDGE FINANCIAL SOLUTIONS COMMON STOCK 11133T103   402,863 2,250 SH   SOLE   2,250 0 0
BROADCOM INC COM COMMON STOCK 11135F101   235,885 284 SH   SOLE   217 0 67
CSX CORP COMMON STOCK 126408103   243,940 7,933 SH   SOLE   7,444 0 489
CATERPILLAR INC COMMON STOCK 149123101   2,022,384 7,408 SH   SOLE   3,095 0 4,313
CATERPILLAR INC COMMON STOCK 149123101   59,787 219 SH   OTR   219 0 0
CHEVRON CORP COMMON STOCK 166764100   3,941,494 23,375 SH   SOLE   9,544 0 13,831
CHEVRON CORP COMMON STOCK 166764100   231,683 1,374 SH   OTR   1,374 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102   547,867 10,191 SH   SOLE   9,400 0 791
CISCO SYSTEMS INC COMMON STOCK 17275R102   121,229 2,255 SH   OTR   2,255 0 0
CLOROX CO COMMON STOCK 189054109   227,913 1,739 SH   SOLE   870 0 869
COCA-COLA CO COMMON STOCK 191216100   1,685,781 30,114 SH   SOLE   29,419 0 695
COCA-COLA CO COMMON STOCK 191216100   81,787 1,461 SH   OTR   1,461 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105   407,338 721 SH   SOLE   641 0 80
COSTCO WHOLESALE CORP COMMON STOCK 22160K105   56,496 100 SH   OTR   100 0 0
WALT DISNEY CO COMMON STOCK 254687106   319,175 3,938 SH   SOLE   1,310 0 2,628
WALT DISNEY CO COMMON STOCK 254687106   21,884 270 SH   OTR   270 0 0
DOW INC COM COMMON STOCK 260557103   209,282 4,059 SH   SOLE   3,879 0 180
DOW INC COM COMMON STOCK 260557103   29,389 570 SH   OTR   570 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204   278,815 3,159 SH   SOLE   3,024 0 135
DUPONT DE NEMOURS INC COMMON STOCK 26614N102   310,220 4,159 SH   SOLE   3,974 0 185
DUPONT DE NEMOURS INC COMMON STOCK 26614N102   22,825 306 SH   OTR   306 0 0
EMERSON ELECTRIC CO COMMON STOCK 291011104   269,044 2,786 SH   SOLE   2,686 0 100
EMERSON ELECTRIC CO COMMON STOCK 291011104   83,243 862 SH   OTR   862 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102   2,942,675 25,027 SH   SOLE   20,427 0 4,600
EXXON MOBIL CORP COMMON STOCK 30231G102   144,271 1,227 SH   OTR   1,061 0 166
META PLATFORMS INC COMMON STOCK 30303M102   251,576 838 SH   SOLE   382 0 456
META PLATFORMS INC COMMON STOCK 30303M102   39,028 130 SH   OTR   130 0 0
FAIR ISAAC CORP COMMON STOCK 303250104   484,640 558 SH   SOLE   537 0 21
FEDEX CORP COMMON STOCK 31428X106   738,067 2,786 SH   SOLE   2,683 0 103
GENERAL ELECTRIC CO COMMON STOCK 369604301   316,617 2,864 SH   SOLE   2,734 0 130
GENUINE PARTS CO COMMON STOCK 372460105   274,178 1,899 SH   SOLE   1,899 0 0
GENUINE PARTS CO COMMON STOCK 372460105   32,486 225 SH   OTR   225 0 0
GLOBE LIFE INC COMMON STOCK 37959E102   733,928 6,750 SH   SOLE   6,750 0 0
HOME DEPOT INC COMMON STOCK 437076102   631,816 2,091 SH   SOLE   1,864 0 227
HOME DEPOT INC COMMON STOCK 437076102   169,511 561 SH   OTR   561 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106   742,285 4,018 SH   SOLE   3,865 0 153
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106   95,326 516 SH   OTR   516 0 0
HUNTINGTON BANCSHARES INC COMMON STOCK 446150104   395,450 38,024 SH   SOLE   38,024 0 0
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109   278,215 1,208 SH   SOLE   1,145 0 63
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109   132,428 575 SH   OTR   575 0 0
INTEL CORP COMMON STOCK 458140100   164,596 4,630 SH   SOLE   3,823 0 807
INTEL CORP COMMON STOCK 458140100   36,439 1,025 SH   OTR   1,025 0 0
INTERNATIONAL BUSINESS MACHS COMMON STOCK 459200101   958,251 6,830 SH   SOLE   6,705 0 125
INTERNATIONAL BUSINESS MACHS COMMON STOCK 459200101   130,619 931 SH   OTR   931 0 0
ISHARES CORE S&P 500 (MKT) MUTUAL FUNDS/EQ 464287200   212,140 494 SH   SOLE   494 0 0
ISHARES CORE TOTAL US BOND MUTUAL FUNDS/FI 464287226   9,965,705 105,973 SH   SOLE   105,973 0 0
ISHARES CORE TOTAL US BOND MUTUAL FUNDS/FI 464287226   651,509 6,928 SH   OTR   6,928 0 0
ISHARES IBOXX $ INVST GRADE CRP MUTUAL FUNDS/FI 464287242   487,350 4,777 SH   SOLE   4,777 0 0
ISHARES MSCI EAFE (MKT) MUTUAL FUNDS/EQ 464287465   489,676 7,105 SH   SOLE   7,105 0 0
ISHARES CORE S&P MID-CAP (MKT) MUTUAL FUNDS/EQ 464287507   1,397,358 5,604 SH   SOLE   5,604 0 0
ISHARES CORE S&P MID-CAP (MKT) MUTUAL FUNDS/EQ 464287507   264,311 1,060 SH   OTR   1,060 0 0
ISHARES RUSSELL 2000 (MKT) MUTUAL FUNDS/EQ 464287655   581,121 3,288 SH   SOLE   3,288 0 0
ISHARES CORE S&P SMALL-CAP (MKT) MUTUAL FUNDS/EQ 464287804   410,148 4,348 SH   SOLE   4,348 0 0
ISHARES CORE S&P SMALL-CAP (MKT) MUTUAL FUNDS/EQ 464287804   99,518 1,055 SH   OTR   1,055 0 0
ISHARES NATIONAL AMT-FREE MUNI MUTUAL FUNDS / 464288414   2,807,750 27,382 SH   SOLE   27,382 0 0
ISHARES FLOATING RATE BOND (MKT) MUTUAL FUNDS/FI 46429B655   216,079 4,246 SH   SOLE   4,246 0 0
ISHARES MSCI USA MINIMUM MUTUAL FUNDS/EQ 46429B697   513,898 7,100 SH   SOLE   7,100 0 0
ISHARES FALN ANGLS USD MUTUAL FUNDS/FI 46435G474   742,090 29,923 SH   SOLE   29,923 0 0
ISHARES FALN ANGLS USD MUTUAL FUNDS/FI 46435G474   26,387 1,064 SH   OTR   1,064 0 0
ISHARES CORE INTERNATIONAL MUTUAL FUNDS/FI 46435G672   1,166,476 23,913 SH   SOLE   23,913 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100   1,790,712 12,348 SH   SOLE   11,735 0 613
JP MORGAN CHASE & CO COMMON STOCK 46625H100   198,967 1,372 SH   OTR   1,372 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104   3,959,795 25,424 SH   SOLE   22,985 0 2,439
JOHNSON & JOHNSON COMMON STOCK 478160104   302,779 1,944 SH   OTR   1,944 0 0
ELI LILLY & CO COMMON STOCK 532457108   572,046 1,065 SH   SOLE   908 0 157
ELI LILLY & CO COMMON STOCK 532457108   85,941 160 SH   OTR   160 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109   122,279 299 SH   SOLE   261 0 38
LOCKHEED MARTIN CORP COMMON STOCK 539830109   93,651 229 SH   OTR   229 0 0
LOWES COMPANIES INC COMMON STOCK 548661107   465,977 2,242 SH   SOLE   2,073 0 169
MARSH & MCLENNAN COS INC COMMON STOCK 571748102   1,188,805 6,247 SH   SOLE   6,125 0 122
MASTERCARD INC COMMON STOCK 57636Q104   239,920 606 SH   SOLE   471 0 135
MASTERCARD INC COMMON STOCK 57636Q104   282,284 713 SH   OTR   713 0 0
MCDONALDS CORP COMMON STOCK 580135101   671,509 2,549 SH   SOLE   1,112 0 1,437
MCDONALDS CORP COMMON STOCK 580135101   64,543 245 SH   OTR   245 0 0
MERCK & CO INC COMMON STOCK 58933Y105   1,677,988 16,299 SH   SOLE   15,733 0 566
MERCK & CO INC COMMON STOCK 58933Y105   49,107 477 SH   OTR   477 0 0
MICROSOFT CORP COMMON STOCK 594918104   2,741,977 8,684 SH   SOLE   7,361 0 1,323
MICROSOFT CORP COMMON STOCK 594918104   885,365 2,804 SH   OTR   2,751 0 53
MICROCHIP TECHNOLOGY INC COMMON STOCK 595017104   228,843 2,932 SH   SOLE   2,850 0 82
MICROCHIP TECHNOLOGY INC COMMON STOCK 595017104   39,025 500 SH   OTR   500 0 0
MONDELEZ INTL INC COMMON STOCK 609207105   649,793 9,363 SH   SOLE   9,135 0 228
MONDELEZ INTL INC COMMON STOCK 609207105   87,028 1,254 SH   OTR   1,254 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101   750,843 13,106 SH   SOLE   12,742 0 364
NEXTERA ENERGY INC COMMON STOCK 65339F101   52,878 923 SH   OTR   923 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108   1,212,302 6,156 SH   SOLE   600 0 5,556
NORTHROP GRUMMAN CORP COMMON STOCK 666807102   286,564 651 SH   SOLE   604 0 47
NVIDIA CORP COMMON STOCK 67066G104   704,249 1,619 SH   SOLE   1,085 0 534
NVIDIA CORP COMMON STOCK 67066G104   66,118 152 SH   OTR   152 0 0
ORACLE CORP COMMON STOCK 68389X105   600,883 5,673 SH   SOLE   5,129 0 544
PEPSICO INC COMMON STOCK 713448108   794,501 4,689 SH   SOLE   4,470 0 219
PEPSICO INC COMMON STOCK 713448108   204,684 1,208 SH   OTR   1,208 0 0
PFIZER INC COMMON STOCK 717081103   896,686 27,033 SH   SOLE   25,890 0 1,143
PFIZER INC COMMON STOCK 717081103   107,471 3,240 SH   OTR   3,240 0 0
PHILIP MORRIS INTERNATIONAL INC COMMON STOCK 718172109   1,046,988 11,309 SH   SOLE   11,039 0 270
PHILIP MORRIS INTERNATIONAL INC COMMON STOCK 718172109   48,049 519 SH   OTR   519 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109   2,540,152 17,415 SH   SOLE   12,356 0 5,059
PROCTER & GAMBLE CO COMMON STOCK 742718109   946,339 6,488 SH   OTR   6,488 0 0
RTX CORPORATION COMMON STOCK 75513E101   270,968 3,765 SH   SOLE   1,708 0 2,057
RTX CORPORATION COMMON STOCK 75513E101   35,266 490 SH   OTR   490 0 0
SPDR S&P 500 ETF MUTUAL FUNDS/EQ 78462F103   869,067 2,033 SH   SOLE   2,033 0 0
SPDR NUVEEN BLOOMBERG BARCLAYS MUTUAL FUNDS / 78468R721   201,981 4,622 SH   SOLE   4,622 0 0
SCHWAB US BROAD MARKET ETFT MUTUAL FUNDS/EQ 808524102   1,304,226 26,163 SH   SOLE   26,163 0 0
TARGET CORP COMMON STOCK 87612E106   1,193,163 10,791 SH   SOLE   10,704 0 87
TARGET CORP COMMON STOCK 87612E106   86,024 778 SH   OTR   778 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104   1,248,070 7,849 SH   SOLE   7,593 0 256
3M CO COMMON STOCK 88579Y101   309,134 3,302 SH   SOLE   3,213 0 89
3M CO COMMON STOCK 88579Y101   46,530 497 SH   OTR   497 0 0
UNION PACIFIC CORP COMMON STOCK 907818108   1,903,533 9,348 SH   SOLE   7,625 0 1,723
UNION PACIFIC CORP COMMON STOCK 907818108   184,082 904 SH   OTR   904 0 0
UNITED PARCEL SERVICE COMMON STOCK 911312106   278,072 1,784 SH   SOLE   1,690 0 94
UNITED PARCEL SERVICE COMMON STOCK 911312106   64,062 411 SH   OTR   411 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102   432,091 857 SH   SOLE   649 0 208
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102   28,234 56 SH   OTR   56 0 0
VANGUARD TOTAL BOND MARKET ETF MUTUAL FUNDS/FI 921937835   1,219,337 17,474 SH   SOLE   17,474 0 0
VANGUARD TOTAL BOND MARKET ETF MUTUAL FUNDS/FI 921937835   262,024 3,755 SH   OTR   3,755 0 0
VANGUARD FTSE DEVELOPED MARKETS MUTUAL FUNDS/EQ 921943858   391,687 8,959 SH   SOLE   8,959 0 0
VANGUARD FTSE DEVELOPED MARKETS MUTUAL FUNDS/EQ 921943858   22,341 511 SH   OTR   511 0 0
VANGUARD EMERGING MARKETS STOCK MUTUAL FUNDS/EQ 922042858   196,129 5,002 SH   SOLE   5,002 0 0
VANGUARD EMERGING MARKETS STOCK MUTUAL FUNDS/EQ 922042858   29,407 750 SH   OTR   750 0 0
VANGUARD SHORT-TERM CORP BD IDX MUTUAL FUNDS/FI 92206C409   546,267 7,269 SH   SOLE   7,269 0 0
VANGUARD SHORT-TERM CORP BD IDX MUTUAL FUNDS/FI 92206C409   73,271 975 SH   OTR   975 0 0
VANGUARD REAL ESTATE ETF MUTUAL FUNDS/EQ 922908553   407,429 5,385 SH   SOLE   5,385 0 0
VANGUARD REAL ESTATE ETF MUTUAL FUNDS/EQ 922908553   41,613 550 SH   OTR   550 0 0
VANGUARD TOTAL STOCK MARKET ETF MUTUAL FUNDS/EQ 922908769   2,283,831 10,752 SH   SOLE   10,752 0 0
VISA INC COMMON STOCK 92826C839   302,923 1,317 SH   SOLE   934 0 383
VISA INC COMMON STOCK 92826C839   86,715 377 SH   OTR   377 0 0
WALMART INC COMMON STOCK 931142103   1,939,312 12,126 SH   SOLE   9,109 0 3,017
WALMART INC COMMON STOCK 931142103   54,856 343 SH   OTR   343 0 0
AON PLC SHS CL A FOREIGN STOCK G0403H108   281,747 869 SH   SOLE   799 0 70
ACCENTURE PLC FOREIGN STOCK G1151C101   158,470 516 SH   SOLE   415 0 101
ACCENTURE PLC FOREIGN STOCK G1151C101   56,201 183 SH   OTR   183 0 0
MEDTRONIC PLC FOREIGN STOCK G5960L103   167,063 2,132 SH   SOLE   1,950 0 182
MEDTRONIC PLC FOREIGN STOCK G5960L103   82,357 1,051 SH   OTR   1,051 0 0