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   207,255 12,994 SH   SOLE   12,210 0 784
AT&T INC COMMON STOCK 00206R102   34,803 2,182 SH   OTR   2,182 0 0
ABBVIE INC COMMON STOCK 00287Y109   210,043 1,559 SH   SOLE   1,226 0 333
ABBVIE INC COMMON STOCK 00287Y109   117,081 869 SH   OTR   869 0 0
ADOBE SYSTEMS INC COMMON STOCK 00724F101   457,208 935 SH   SOLE   846 0 89
ADOBE SYSTEMS INC COMMON STOCK 00724F101   39,119 80 SH   OTR   80 0 0
AGILENT TECHNOLOGIES INC COMMON STOCK 00846U101   487,373 4,053 SH   SOLE   3,783 0 270
ALPHABET INC COMMON STOCK 02079K107   505,413 4,178 SH   SOLE   3,579 0 599
ALPHABET INC COMMON STOCK 02079K107   84,679 700 SH   OTR   700 0 0
ALPHABET INC COMMON STOCK 02079K305   1,052,043 8,789 SH   SOLE   7,469 0 1,320
ALPHABET INC COMMON STOCK 02079K305   108,927 910 SH   OTR   880 0 30
ALTRIA GROUP INC COMMON STOCK 02209S103   606,567 13,390 SH   SOLE   13,064 0 326
ALTRIA GROUP INC COMMON STOCK 02209S103   55,855 1,233 SH   OTR   1,233 0 0
AMAZON COM INC SR COMMON STOCK 023135106   735,883 5,645 SH   SOLE   3,860 0 1,785
AMERICAN EXPRESS CO COMMON STOCK 025816109   381,672 2,191 SH   SOLE   2,001 0 190
AMERICAN EXPRESS CO COMMON STOCK 025816109   165,141 948 SH   OTR   948 0 0
APPLE INC COMMON STOCK 037833100   5,044,193 26,005 SH   SOLE   23,014 0 2,991
APPLE INC COMMON STOCK 037833100   1,141,901 5,887 SH   OTR   5,857 0 30
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103   1,327,533 6,040 SH   SOLE   5,940 0 100
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100   342,537 7,694 SH   SOLE   7,552 0 142
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100   40,958 920 SH   OTR   920 0 0
BECTON DICKINSON & CO COMMON STOCK 075887109   750,316 2,842 SH   SOLE   2,800 0 42
BERKSHIRE HATHAWAY INC COMMON STOCK 084670108   1,553,430 3 SH   SOLE   3 0 0
BERKSHIRE HATHAWAY INC COMMON STOCK 084670702   549,692 1,612 SH   SOLE   1,311 0 301
BERKSHIRE HATHAWAY INC COMMON STOCK 084670702   7,843 23 SH   OTR   0 0 23
BLACKROCK INC COMMON STOCK 09247X101   267,473 387 SH   SOLE   367 0 20
BLACKROCK INC COMMON STOCK 09247X101   100,906 146 SH   OTR   146 0 0
BOEING CO COMMON STOCK 097023105   1,446,236 6,849 SH   SOLE   1,142 0 5,707
BOEING CO COMMON STOCK 097023105   2,112 10 SH   OTR   0 0 10
BRISTOL-MYERS SQUIBB CO COMMON STOCK 110122108   2,022,868 31,632 SH   SOLE   30,796 0 836
BRISTOL-MYERS SQUIBB CO COMMON STOCK 110122108   24,877 389 SH   OTR   389 0 0
BROADRIDGE FINANCIAL SOLUTIONS COMMON STOCK 11133T103   372,668 2,250 SH   SOLE   2,250 0 0
BROADCOM INC COM COMMON STOCK 11135F101   265,434 306 SH   SOLE   239 0 67
CSX CORP COMMON STOCK 126408103   270,516 7,933 SH   SOLE   7,444 0 489
CVS HEALTH CORPORATION COMMON STOCK 126650100   223,221 3,229 SH   SOLE   498 0 2,731
CVS HEALTH CORPORATION COMMON STOCK 126650100   68,438 990 SH   OTR   950 0 40
CATERPILLAR INC COMMON STOCK 149123101   1,871,949 7,608 SH   SOLE   3,095 0 4,513
CATERPILLAR INC COMMON STOCK 149123101   58,560 238 SH   OTR   238 0 0
CHEVRON CORP COMMON STOCK 166764100   4,119,578 26,181 SH   SOLE   9,875 0 16,306
CHEVRON CORP COMMON STOCK 166764100   223,753 1,422 SH   OTR   1,422 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102   527,283 10,191 SH   SOLE   9,400 0 791
CISCO SYSTEMS INC COMMON STOCK 17275R102   116,674 2,255 SH   OTR   2,255 0 0
CLOROX CO COMMON STOCK 189054109   543,757 3,419 SH   SOLE   2,400 0 1,019
COCA-COLA CO COMMON STOCK 191216100   1,859,233 30,874 SH   SOLE   30,179 0 695
COCA-COLA CO COMMON STOCK 191216100   87,981 1,461 SH   OTR   1,461 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105   388,173 721 SH   SOLE   641 0 80
COSTCO WHOLESALE CORP COMMON STOCK 22160K105   53,838 100 SH   OTR   100 0 0
WALT DISNEY CO COMMON STOCK 254687106   351,585 3,938 SH   SOLE   1,310 0 2,628
DOMINION ENERGY INC COMMON STOCK 25746U109   198,669 3,836 SH   SOLE   3,624 0 212
DOMINION ENERGY INC COMMON STOCK 25746U109   17,868 345 SH   OTR   345 0 0
DOW INC COM COMMON STOCK 260557103   216,183 4,059 SH   SOLE   3,879 0 180
DOW INC COM COMMON STOCK 260557103   30,358 570 SH   OTR   570 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204   283,487 3,159 SH   SOLE   3,024 0 135
DUPONT DE NEMOURS INC COMMON STOCK 26614N102   297,119 4,159 SH   SOLE   3,974 0 185
DUPONT DE NEMOURS INC COMMON STOCK 26614N102   21,861 306 SH   OTR   306 0 0
EMERSON ELECTRIC CO COMMON STOCK 291011104   251,826 2,786 SH   SOLE   2,686 0 100
EMERSON ELECTRIC CO COMMON STOCK 291011104   81,712 904 SH   OTR   904 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102   2,716,111 25,325 SH   SOLE   20,475 0 4,850
EXXON MOBIL CORP COMMON STOCK 30231G102   118,083 1,101 SH   OTR   1,061 0 40
META PLATFORMS INC COMMON STOCK 30303M102   221,836 773 SH   SOLE   322 0 451
FEDEX CORP COMMON STOCK 31428X106   739,734 2,984 SH   SOLE   2,881 0 103
GENERAL ELECTRIC CO COMMON STOCK 369604301   314,611 2,864 SH   SOLE   2,734 0 130
GENUINE PARTS CO COMMON STOCK 372460105   321,368 1,899 SH   SOLE   1,899 0 0
GENUINE PARTS CO COMMON STOCK 372460105   38,077 225 SH   OTR   225 0 0
GLOBE LIFE INC COMMON STOCK 37959E102   739,935 6,750 SH   SOLE   6,750 0 0
HOME DEPOT INC COMMON STOCK 437076102   601,710 1,937 SH   SOLE   1,710 0 227
HOME DEPOT INC COMMON STOCK 437076102   158,737 511 SH   OTR   511 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106   878,561 4,234 SH   SOLE   4,081 0 153
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106   88,603 427 SH   OTR   427 0 0
HUNTINGTON BANCSHARES INC COMMON STOCK 446150104   411,969 38,216 SH   SOLE   38,216 0 0
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109   302,193 1,208 SH   SOLE   1,145 0 63
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109   143,842 575 SH   OTR   575 0 0
INTERNATIONAL BUSINESS MACHS COMMON STOCK 459200101   913,922 6,830 SH   SOLE   6,705 0 125
INTERNATIONAL BUSINESS MACHS COMMON STOCK 459200101   128,324 959 SH   OTR   959 0 0
ISHARES CORE S&P 500 (MKT) MUTUAL FUNDS/EQ 464287200   285,255 640 SH   SOLE   640 0 0
ISHARES CORE TOTAL US BOND MUTUAL FUNDS/FI 464287226   7,140,752 72,902 SH   SOLE   72,902 0 0
ISHARES IBOXX $ INVST GRADE CRP MUTUAL FUNDS/FI 464287242   516,585 4,777 SH   SOLE   4,777 0 0
ISHARES MSCI EAFE (MKT) MUTUAL FUNDS/EQ 464287465   538,241 7,424 SH   SOLE   7,424 0 0
ISHARES CORE S&P MID-CAP (MKT) MUTUAL FUNDS/EQ 464287507   1,471,349 5,627 SH   SOLE   5,627 0 0
ISHARES CORE S&P MID-CAP (MKT) MUTUAL FUNDS/EQ 464287507   277,169 1,060 SH   OTR   1,060 0 0
ISHARES RUSSELL 2000 (MKT) MUTUAL FUNDS/EQ 464287655   626,981 3,348 SH   SOLE   3,348 0 0
ISHARES CORE S&P SMALL-CAP (MKT) MUTUAL FUNDS/EQ 464287804   490,978 4,927 SH   SOLE   4,927 0 0
ISHARES CORE S&P SMALL-CAP (MKT) MUTUAL FUNDS/EQ 464287804   105,131 1,055 SH   OTR   1,055 0 0
ISHARES SHORT-TERM MUTUAL FUNDS/FI 464288646   268,159 5,345 SH   SOLE   5,345 0 0
ISHARES FLOATING RATE BOND (MKT) MUTUAL FUNDS/FI 46429B655   509,165 10,019 SH   SOLE   10,019 0 0
ISHARES MSCI USA MINIMUM MUTUAL FUNDS/EQ 46429B697   527,743 7,100 SH   SOLE   7,100 0 0
ISHARES FALN ANGLS USD MUTUAL FUNDS/FI 46435G474   178,681 7,043 SH   SOLE   7,043 0 0
ISHARES FALN ANGLS USD MUTUAL FUNDS/FI 46435G474   26,994 1,064 SH   OTR   1,064 0 0
ISHARES CORE INTERNATIONAL MUTUAL FUNDS/FI 46435G672   801,751 16,266 SH   SOLE   16,266 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100   1,771,460 12,180 SH   SOLE   11,567 0 613
JP MORGAN CHASE & CO COMMON STOCK 46625H100   169,728 1,167 SH   OTR   1,167 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104   4,341,423 26,229 SH   SOLE   23,540 0 2,689
JOHNSON & JOHNSON COMMON STOCK 478160104   321,770 1,944 SH   OTR   1,944 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103   157,111 1,138 SH   SOLE   1,070 0 68
KIMBERLY CLARK CORP COMMON STOCK 494368103   43,213 313 SH   OTR   313 0 0
ELI LILLY & CO COMMON STOCK 532457108   560,900 1,196 SH   SOLE   1,039 0 157
ELI LILLY & CO COMMON STOCK 532457108   50,650 108 SH   OTR   108 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109   174,946 380 SH   SOLE   342 0 38
LOCKHEED MARTIN CORP COMMON STOCK 539830109   105,427 229 SH   OTR   229 0 0
LOWES COMPANIES INC COMMON STOCK 548661107   509,859 2,259 SH   SOLE   2,090 0 169
MARSH & MCLENNAN COS INC COMMON STOCK 571748102   1,188,666 6,320 SH   SOLE   6,198 0 122
MASTERCARD INC COMMON STOCK 57636Q104   238,341 606 SH   SOLE   471 0 135
MASTERCARD INC COMMON STOCK 57636Q104   280,423 713 SH   OTR   713 0 0
MCDONALDS CORP COMMON STOCK 580135101   760,649 2,549 SH   SOLE   1,112 0 1,437
MCDONALDS CORP COMMON STOCK 580135101   73,111 245 SH   OTR   245 0 0
MERCK & CO INC COMMON STOCK 58933Y105   1,880,744 16,299 SH   SOLE   15,733 0 566
MERCK & CO INC COMMON STOCK 58933Y105   61,272 531 SH   OTR   531 0 0
MICROSOFT CORP COMMON STOCK 594918104   2,943,288 8,643 SH   SOLE   7,320 0 1,323
MICROSOFT CORP COMMON STOCK 594918104   924,907 2,716 SH   OTR   2,701 0 15
MICROCHIP TECHNOLOGY INC COMMON STOCK 595017104   275,220 3,072 SH   SOLE   2,990 0 82
MICROCHIP TECHNOLOGY INC COMMON STOCK 595017104   44,795 500 SH   OTR   500 0 0
MONDELEZ INTL INC COMMON STOCK 609207105   682,937 9,363 SH   SOLE   9,135 0 228
MONDELEZ INTL INC COMMON STOCK 609207105   62,510 857 SH   OTR   857 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101   972,466 13,106 SH   SOLE   12,742 0 364
NEXTERA ENERGY INC COMMON STOCK 65339F101   55,798 752 SH   OTR   752 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108   1,463,963 6,456 SH   SOLE   600 0 5,856
NORTHROP GRUMMAN CORP COMMON STOCK 666807102   349,598 767 SH   SOLE   720 0 47
NVIDIA CORP COMMON STOCK 67066G104   576,999 1,364 SH   SOLE   828 0 536
ORACLE CORP COMMON STOCK 68389X105   675,599 5,673 SH   SOLE   5,129 0 544
PEPSICO INC COMMON STOCK 713448108   883,320 4,769 SH   SOLE   4,550 0 219
PEPSICO INC COMMON STOCK 713448108   227,821 1,230 SH   OTR   1,230 0 0
PFIZER INC COMMON STOCK 717081103   1,002,576 27,333 SH   SOLE   26,190 0 1,143
PFIZER INC COMMON STOCK 717081103   118,843 3,240 SH   OTR   3,240 0 0
PHILIP MORRIS INTERNATIONAL INC COMMON STOCK 718172109   1,103,983 11,309 SH   SOLE   11,039 0 270
PHILIP MORRIS INTERNATIONAL INC COMMON STOCK 718172109   56,717 581 SH   OTR   581 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109   2,756,359 18,165 SH   SOLE   12,706 0 5,459
PROCTER & GAMBLE CO COMMON STOCK 742718109   990,407 6,527 SH   OTR   6,527 0 0
QUALCOMM INC COMMON STOCK 747525103   172,012 1,445 SH   SOLE   1,301 0 144
QUALCOMM INC COMMON STOCK 747525103   37,140 312 SH   OTR   312 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101   662,699 6,765 SH   SOLE   4,308 0 2,457
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101   48,000 490 SH   OTR   490 0 0
SPDR S&P 500 ETF MUTUAL FUNDS/EQ 78462F103   1,163,610 2,625 SH   SOLE   2,625 0 0
SPDR NUVEEN BLOOMBERG BARCLAYS MUTUAL FUNDS / 78468R721   213,352 4,622 SH   SOLE   4,622 0 0
SPDR S&P 500 HIGH DIVIDEND MUTUAL FUNDS/EQ 78468R788   259,560 7,000 SH   SOLE   7,000 0 0
SCHWAB US BROAD MARKET ETFT MUTUAL FUNDS/EQ 808524102   1,456,027 28,163 SH   SOLE   28,163 0 0
STARBUCKS CORP COMMON STOCK 855244109   141,858 1,432 SH   SOLE   1,273 0 159
STARBUCKS CORP COMMON STOCK 855244109   64,389 650 SH   OTR   650 0 0
TARGET CORP COMMON STOCK 87612E106   1,443,118 10,941 SH   SOLE   10,854 0 87
TARGET CORP COMMON STOCK 87612E106   102,618 778 SH   OTR   778 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104   1,412,977 7,849 SH   SOLE   7,593 0 256
3M CO COMMON STOCK 88579Y101   330,497 3,302 SH   SOLE   3,213 0 89
3M CO COMMON STOCK 88579Y101   49,744 497 SH   OTR   497 0 0
UNION PACIFIC CORP COMMON STOCK 907818108   1,942,459 9,493 SH   SOLE   7,770 0 1,723
UNION PACIFIC CORP COMMON STOCK 907818108   184,976 904 SH   OTR   904 0 0
UNITED PARCEL SERVICE COMMON STOCK 911312106   319,784 1,784 SH   SOLE   1,690 0 94
UNITED PARCEL SERVICE COMMON STOCK 911312106   73,672 411 SH   OTR   411 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102   377,304 785 SH   SOLE   577 0 208
VANGUARD TOTAL BOND MARKET ETF MUTUAL FUNDS/FI 921937835   1,270,185 17,474 SH   SOLE   17,474 0 0
VANGUARD TOTAL BOND MARKET ETF MUTUAL FUNDS/FI 921937835   272,951 3,755 SH   OTR   3,755 0 0
VANGUARD FTSE DEVELOPED MARKETS MUTUAL FUNDS/EQ 921943858   279,204 6,046 SH   SOLE   6,046 0 0
VANGUARD FTSE DEVELOPED MARKETS MUTUAL FUNDS/EQ 921943858   23,598 511 SH   OTR   511 0 0
VANGUARD EMERGING MARKETS STOCK MUTUAL FUNDS/EQ 922042858   190,219 4,676 SH   SOLE   4,676 0 0
VANGUARD EMERGING MARKETS STOCK MUTUAL FUNDS/EQ 922042858   30,510 750 SH   OTR   750 0 0
VANGUARD SHORT-TERM CORP BD IDX MUTUAL FUNDS/FI 92206C409   349,473 4,619 SH   SOLE   4,619 0 0
VANGUARD SHORT-TERM CORP BD IDX MUTUAL FUNDS/FI 92206C409   73,769 975 SH   OTR   975 0 0
VANGUARD REAL ESTATE ETF MUTUAL FUNDS/EQ 922908553   481,220 5,759 SH   SOLE   5,759 0 0
VANGUARD REAL ESTATE ETF MUTUAL FUNDS/EQ 922908553   45,958 550 SH   OTR   550 0 0
VANGUARD GROWTH ETF (MKT) MUTUAL FUNDS/EQ 922908736   284,658 1,006 SH   SOLE   1,006 0 0
VANGUARD TOTAL STOCK MARKET ETF MUTUAL FUNDS/EQ 922908769   2,399,731 10,894 SH   SOLE   10,894 0 0
VISA INC COMMON STOCK 92826C839   264,078 1,112 SH   SOLE   729 0 383
VISA INC COMMON STOCK 92826C839   60,320 254 SH   OTR   254 0 0
WALMART INC COMMON STOCK 931142103   1,941,332 12,351 SH   SOLE   9,234 0 3,117
WALMART INC COMMON STOCK 931142103   53,913 343 SH   OTR   343 0 0
AON PLC SHS CL A FOREIGN STOCK G0403H108   299,978 869 SH   SOLE   799 0 70
ACCENTURE PLC FOREIGN STOCK G1151C101   159,228 516 SH   SOLE   415 0 101
ACCENTURE PLC FOREIGN STOCK G1151C101   56,470 183 SH   OTR   183 0 0
MEDTRONIC PLC FOREIGN STOCK G5960L103   187,830 2,132 SH   SOLE   1,950 0 182
MEDTRONIC PLC FOREIGN STOCK G5960L103   92,594 1,051 SH   OTR   1,051 0 0