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   280,598 15,943 SH   SOLE   15,011 0 932
AT&T INC COMMON STOCK 00206R102   43,684 2,482 SH   OTR   2,482 0 0
ABBVIE INC COMMON STOCK 00287Y109   206,138 1,132 SH   SOLE   816 0 316
ABBVIE INC COMMON STOCK 00287Y109   152,054 835 SH   OTR   835 0 0
ADOBE SYSTEMS INC COMMON STOCK 00724F101   426,386 845 SH   SOLE   756 0 89
ADOBE SYSTEMS INC COMMON STOCK 00724F101   80,736 160 SH   OTR   160 0 0
AGILENT TECHNOLOGIES INC COMMON STOCK 00846U101   558,176 3,836 SH   SOLE   3,783 0 53
ALPHABET INC COMMON STOCK 02079K107   1,016,641 6,677 SH   SOLE   6,078 0 599
ALPHABET INC COMMON STOCK 02079K107   106,582 700 SH   OTR   700 0 0
ALPHABET INC COMMON STOCK 02079K305   1,120,958 7,427 SH   SOLE   6,135 0 1,292
ALPHABET INC COMMON STOCK 02079K305   219,603 1,455 SH   OTR   1,175 0 280
ALTRIA GROUP INC COMMON STOCK 02209S103   584,071 13,390 SH   SOLE   13,064 0 326
ALTRIA GROUP INC COMMON STOCK 02209S103   41,133 943 SH   OTR   943 0 0
AMAZON COM INC SR COMMON STOCK 023135106   1,020,048 5,655 SH   SOLE   3,870 0 1,785
AMAZON COM INC SR COMMON STOCK 023135106   60,428 335 SH   OTR   335 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109   498,868 2,191 SH   SOLE   2,001 0 190
AMERICAN EXPRESS CO COMMON STOCK 025816109   209,019 918 SH   OTR   918 0 0
APPLE INC COMMON STOCK 037833100   3,986,566 23,248 SH   SOLE   20,420 0 2,828
APPLE INC COMMON STOCK 037833100   1,043,629 6,086 SH   OTR   5,715 0 371
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103   1,508,429 6,040 SH   SOLE   5,940 0 100
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100   446,498 7,749 SH   SOLE   7,607 0 142
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100   53,010 920 SH   OTR   920 0 0
BECTON DICKINSON & CO COMMON STOCK 075887109   702,758 2,840 SH   SOLE   2,800 0 40
BERKSHIRE HATHAWAY INC COMMON STOCK 084670108   1,903,320 3 SH   SOLE   3 0 0
BERKSHIRE HATHAWAY INC COMMON STOCK 084670702   672,832 1,600 SH   SOLE   1,299 0 301
BERKSHIRE HATHAWAY INC COMMON STOCK 084670702   73,591 175 SH   OTR   0 0 175
BLACKROCK INC COMMON STOCK 09247X101   285,961 343 SH   SOLE   323 0 20
BLACKROCK INC COMMON STOCK 09247X101   121,721 146 SH   OTR   146 0 0
BOEING CO COMMON STOCK 097023105   213,641 1,107 SH   SOLE   950 0 157
BOEING CO COMMON STOCK 097023105   1,930 10 SH   OTR   0 0 10
BOOKING HLDGS INC COMMON STOCK 09857L108   246,697 68 SH   SOLE   59 0 9
BOOKING HLDGS INC COMMON STOCK 09857L108   29,024 8 SH   OTR   8 0 0
BRISTOL-MYERS SQUIBB CO COMMON STOCK 110122108   1,653,907 30,498 SH   SOLE   29,752 0 746
BRISTOL-MYERS SQUIBB CO COMMON STOCK 110122108   17,299 319 SH   OTR   319 0 0
BROADRIDGE FINANCIAL SOLUTIONS COMMON STOCK 11133T103   460,935 2,250 SH   SOLE   2,250 0 0
BROADCOM INC COM COMMON STOCK 11135F101   300,868 227 SH   SOLE   141 0 86
BROADCOM INC COM COMMON STOCK 11135F101   13,254 10 SH   OTR   10 0 0
CSX CORP COMMON STOCK 126408103   294,076 7,933 SH   SOLE   7,444 0 489
CATERPILLAR INC COMMON STOCK 149123101   2,714,514 7,408 SH   SOLE   7,345 0 63
CATERPILLAR INC COMMON STOCK 149123101   62,293 170 SH   OTR   170 0 0
CHEVRON CORP COMMON STOCK 166764100   3,599,155 22,817 SH   SOLE   22,519 0 298
CHEVRON CORP COMMON STOCK 166764100   209,321 1,327 SH   OTR   1,327 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102   485,424 9,726 SH   SOLE   8,972 0 754
CISCO SYSTEMS INC COMMON STOCK 17275R102   112,547 2,255 SH   OTR   2,255 0 0
COCA-COLA CO COMMON STOCK 191216100   1,838,641 30,053 SH   SOLE   29,379 0 674
COCA-COLA CO COMMON STOCK 191216100   89,384 1,461 SH   OTR   1,461 0 0
COMCAST CORP COMMON STOCK 20030N101   175,135 4,040 SH   SOLE   3,266 0 774
COMCAST CORP COMMON STOCK 20030N101   25,533 589 SH   OTR   24 0 565
COSTCO WHOLESALE CORP COMMON STOCK 22160K105   518,701 708 SH   SOLE   628 0 80
COSTCO WHOLESALE CORP COMMON STOCK 22160K105   73,263 100 SH   OTR   100 0 0
WALT DISNEY CO COMMON STOCK 254687106   456,527 3,731 SH   SOLE   1,103 0 2,628
DOW INC COM COMMON STOCK 260557103   235,138 4,059 SH   SOLE   3,879 0 180
DOW INC COM COMMON STOCK 260557103   33,020 570 SH   OTR   570 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204   294,482 3,045 SH   SOLE   2,910 0 135
DUPONT DE NEMOURS INC COMMON STOCK 26614N102   318,871 4,159 SH   SOLE   3,974 0 185
DUPONT DE NEMOURS INC COMMON STOCK 26614N102   19,244 251 SH   OTR   251 0 0
EMERSON ELECTRIC CO COMMON STOCK 291011104   299,656 2,642 SH   SOLE   2,542 0 100
EMERSON ELECTRIC CO COMMON STOCK 291011104   97,768 862 SH   OTR   862 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102   2,881,358 24,788 SH   SOLE   22,089 0 2,699
EXXON MOBIL CORP COMMON STOCK 30231G102   152,856 1,315 SH   OTR   985 0 330
META PLATFORMS INC COMMON STOCK 30303M102   406,917 838 SH   SOLE   382 0 456
META PLATFORMS INC COMMON STOCK 30303M102   63,126 130 SH   OTR   130 0 0
FAIR ISAAC CORP COMMON STOCK 303250104   266,167 213 SH   SOLE   201 0 12
FEDEX CORP COMMON STOCK 31428X106   807,217 2,786 SH   SOLE   2,683 0 103
GE AEROSPACE COMMON STOCK 369604301   491,484 2,800 SH   SOLE   2,670 0 130
GENUINE PARTS CO COMMON STOCK 372460105   294,214 1,899 SH   SOLE   1,899 0 0
GENUINE PARTS CO COMMON STOCK 372460105   34,859 225 SH   OTR   225 0 0
GLOBE LIFE INC COMMON STOCK 37959E102   785,498 6,750 SH   SOLE   6,750 0 0
HOME DEPOT INC COMMON STOCK 437076102   759,145 1,979 SH   SOLE   1,758 0 221
HOME DEPOT INC COMMON STOCK 437076102   200,622 523 SH   OTR   523 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106   688,616 3,355 SH   SOLE   3,202 0 153
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106   86,411 421 SH   OTR   421 0 0
HUNTINGTON BANCSHARES INC COMMON STOCK 446150104   530,435 38,024 SH   SOLE   38,024 0 0
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109   324,142 1,208 SH   SOLE   1,145 0 63
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109   154,290 575 SH   OTR   575 0 0
INTEL CORP COMMON STOCK 458140100   197,705 4,476 SH   SOLE   3,669 0 807
INTEL CORP COMMON STOCK 458140100   45,274 1,025 SH   OTR   1,025 0 0
INTERNATIONAL BUSINESS MACHS COMMON STOCK 459200101   1,318,197 6,903 SH   SOLE   6,778 0 125
INTERNATIONAL BUSINESS MACHS COMMON STOCK 459200101   166,899 874 SH   OTR   874 0 0
INVESCO QQQ TR MUTUAL FUNDS/EQ 46090E103   261,966 590 SH   SOLE   590 0 0
INVESCO QQQ TR MUTUAL FUNDS/EQ 46090E103   66,158 149 SH   OTR   149 0 0
ISHARES CORE S&P 500 (MKT) MUTUAL FUNDS/EQ 464287200   259,186 493 SH   SOLE   493 0 0
ISHARES CORE TOTAL US BOND MUTUAL FUNDS/FI 464287226   8,002,579 81,709 SH   SOLE   81,709 0 0
ISHARES CORE TOTAL US BOND MUTUAL FUNDS/FI 464287226   609,188 6,220 SH   OTR   6,220 0 0
ISHARES IBOXX $ INVST GRADE CRP MUTUAL FUNDS/FI 464287242   405,400 3,722 SH   SOLE   3,722 0 0
ISHARES MSCI EAFE (MKT) MUTUAL FUNDS/EQ 464287465   597,672 7,484 SH   SOLE   7,484 0 0
ISHARES CORE S&P MID-CAP (MKT) MUTUAL FUNDS/EQ 464287507   1,673,996 27,560 SH   SOLE   27,560 0 0
ISHARES CORE S&P MID-CAP (MKT) MUTUAL FUNDS/EQ 464287507   291,552 4,800 SH   OTR   4,800 0 0
ISHARES RUSSELL 2000 (MKT) MUTUAL FUNDS/EQ 464287655   650,668 3,094 SH   SOLE   3,094 0 0
ISHARES CORE S&P SMALL-CAP (MKT) MUTUAL FUNDS/EQ 464287804   478,993 4,334 SH   SOLE   4,334 0 0
ISHARES CORE S&P SMALL-CAP (MKT) MUTUAL FUNDS/EQ 464287804   116,599 1,055 SH   OTR   1,055 0 0
ISHARES ST NATIONAL AMTFREE MUNI MUTUAL FUNDS / 464288158   310,524 2,965 SH   SOLE   2,965 0 0
ISHARES NATIONAL AMT-FREE MUNI MUTUAL FUNDS / 464288414   5,077,536 47,189 SH   SOLE   47,189 0 0
ISHARES SHORT-TERM MUTUAL FUNDS/FI 464288646   1,134,109 22,116 SH   SOLE   22,116 0 0
ISHARES MSCI USA MINIMUM MUTUAL FUNDS/EQ 46429B697   585,060 7,000 SH   SOLE   7,000 0 0
ISHARES MSCI USA QUALITY FACTOR MUTUAL FUNDS/EQ 46432F339   237,322 1,444 SH   SOLE   1,444 0 0
ISHARES ESG1 5 YR USD MUTUAL FUNDS/FI 46435G243   231,606 9,461 SH   SOLE   9,461 0 0
ISHARES FALN ANGLS USD MUTUAL FUNDS/FI 46435G474   803,733 29,923 SH   SOLE   29,923 0 0
ISHARES FALN ANGLS USD MUTUAL FUNDS/FI 46435G474   28,579 1,064 SH   OTR   1,064 0 0
ISHARES CORE INTERNATIONAL MUTUAL FUNDS/FI 46435G672   1,380,819 27,644 SH   SOLE   27,644 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100   2,241,561 11,191 SH   SOLE   10,578 0 613
JP MORGAN CHASE & CO COMMON STOCK 46625H100   269,204 1,344 SH   OTR   1,344 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104   3,920,583 24,784 SH   SOLE   23,738 0 1,046
JOHNSON & JOHNSON COMMON STOCK 478160104   300,720 1,901 SH   OTR   1,901 0 0
ELI LILLY & CO COMMON STOCK 532457108   811,413 1,043 SH   SOLE   886 0 157
ELI LILLY & CO COMMON STOCK 532457108   93,355 120 SH   OTR   120 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109   129,640 285 SH   SOLE   247 0 38
LOCKHEED MARTIN CORP COMMON STOCK 539830109   104,166 229 SH   OTR   229 0 0
LOWES COMPANIES INC COMMON STOCK 548661107   577,730 2,268 SH   SOLE   2,118 0 150
MARSH & MCLENNAN COS INC COMMON STOCK 571748102   1,285,110 6,239 SH   SOLE   6,125 0 114
MASTERCARD INC COMMON STOCK 57636Q104   242,711 504 SH   SOLE   369 0 135
MASTERCARD INC COMMON STOCK 57636Q104   343,360 713 SH   OTR   713 0 0
MCDONALDS CORP COMMON STOCK 580135101   683,451 2,424 SH   SOLE   987 0 1,437
MCDONALDS CORP COMMON STOCK 580135101   65,694 233 SH   OTR   233 0 0
MERCK & CO INC COMMON STOCK 58933Y105   2,067,000 15,665 SH   SOLE   15,099 0 566
MERCK & CO INC COMMON STOCK 58933Y105   46,183 350 SH   OTR   350 0 0
MICROSOFT CORP COMMON STOCK 594918104   3,240,384 7,702 SH   SOLE   6,379 0 1,323
MICROSOFT CORP COMMON STOCK 594918104   1,146,883 2,726 SH   OTR   2,626 0 100
MICROCHIP TECHNOLOGY INC COMMON STOCK 595017104   263,030 2,932 SH   SOLE   2,850 0 82
MICROCHIP TECHNOLOGY INC COMMON STOCK 595017104   44,855 500 SH   OTR   500 0 0
MONDELEZ INTL INC COMMON STOCK 609207105   658,140 9,402 SH   SOLE   9,174 0 228
MONDELEZ INTL INC COMMON STOCK 609207105   87,780 1,254 SH   OTR   1,254 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101   844,378 13,212 SH   SOLE   12,793 0 419
NEXTERA ENERGY INC COMMON STOCK 65339F101   35,214 551 SH   OTR   551 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108   1,543,493 6,056 SH   SOLE   6,000 0 56
NORTHROP GRUMMAN CORP COMMON STOCK 666807102   285,282 596 SH   SOLE   554 0 42
NVIDIA CORP COMMON STOCK 67066G104   1,130,353 1,251 SH   SOLE   747 0 504
NVIDIA CORP COMMON STOCK 67066G104   90,356 100 SH   OTR   100 0 0
ORACLE CORP COMMON STOCK 68389X105   658,197 5,240 SH   SOLE   4,768 0 472
PNC FINANCIAL SERVICES GROUP COMMON STOCK 693475105   192,303 1,190 SH   SOLE   1,100 0 90
PNC FINANCIAL SERVICES GROUP COMMON STOCK 693475105   14,544 90 SH   OTR   90 0 0
PEPSICO INC COMMON STOCK 713448108   771,095 4,406 SH   SOLE   4,187 0 219
PEPSICO INC COMMON STOCK 713448108   202,836 1,159 SH   OTR   1,159 0 0
PFIZER INC COMMON STOCK 717081103   630,902 22,735 SH   SOLE   21,647 0 1,088
PFIZER INC COMMON STOCK 717081103   64,797 2,335 SH   OTR   2,335 0 0
PHILIP MORRIS INTERNATIONAL INC COMMON STOCK 718172109   1,025,959 11,198 SH   SOLE   10,928 0 270
PHILIP MORRIS INTERNATIONAL INC COMMON STOCK 718172109   48,192 526 SH   OTR   526 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109   2,736,839 16,868 SH   SOLE   16,409 0 459
PROCTER & GAMBLE CO COMMON STOCK 742718109   1,034,668 6,377 SH   OTR   6,377 0 0
QUALCOMM INC COMMON STOCK 747525103   168,453 995 SH   SOLE   851 0 144
QUALCOMM INC COMMON STOCK 747525103   52,822 312 SH   OTR   312 0 0
RTX CORPORATION COMMON STOCK 75513E101   189,110 1,939 SH   SOLE   1,682 0 257
RTX CORPORATION COMMON STOCK 75513E101   43,010 441 SH   OTR   441 0 0
SPDR S&P 500 ETF MUTUAL FUNDS/EQ 78462F103   1,387,706 2,653 SH   SOLE   2,653 0 0
SPDR S&P 500 ETF MUTUAL FUNDS/EQ 78462F103   34,000 65 SH   OTR   65 0 0
SPDR BOFA ML CROSSOVER CORP BOND MUTUAL FUNDS/FI 78468R606   791,519 33,739 SH   SOLE   33,739 0 0
SPDR NUVEEN BLOOMBERG BARCLAYS MUTUAL FUNDS / 78468R721   214,831 4,622 SH   SOLE   4,622 0 0
SALESFORCE COMMON STOCK 79466L302   189,442 629 SH   SOLE   550 0 79
SALESFORCE COMMON STOCK 79466L302   39,154 130 SH   OTR   130 0 0
SCHWAB US BROAD MARKET ETFT MUTUAL FUNDS/EQ 808524102   1,587,300 26,000 SH   SOLE   26,000 0 0
TARGET CORP COMMON STOCK 87612E106   1,887,288 10,650 SH   SOLE   10,554 0 96
TARGET CORP COMMON STOCK 87612E106   137,870 778 SH   OTR   778 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104   1,351,696 7,759 SH   SOLE   7,503 0 256
TEXAS INSTRUMENTS INC COMMON STOCK 882508104   8,711 50 SH   OTR   50 0 0
3M CO COMMON STOCK 88579Y101   295,722 2,788 SH   SOLE   2,713 0 75
3M CO COMMON STOCK 88579Y101   39,458 372 SH   OTR   372 0 0
UNION PACIFIC CORP COMMON STOCK 907818108   2,236,734 9,095 SH   SOLE   7,372 0 1,723
UNION PACIFIC CORP COMMON STOCK 907818108   222,321 904 SH   OTR   904 0 0
UNITED PARCEL SERVICE COMMON STOCK 911312106   240,037 1,615 SH   SOLE   1,521 0 94
UNITED PARCEL SERVICE COMMON STOCK 911312106   58,560 394 SH   OTR   394 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102   329,471 666 SH   SOLE   470 0 196
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102   27,704 56 SH   OTR   56 0 0
VALERO ENERGY CORP NEW COMMON STOCK 91913Y100   160,790 942 SH   SOLE   833 0 109
VALERO ENERGY CORP NEW COMMON STOCK 91913Y100   53,938 316 SH   OTR   200 0 116
VANGUARD TOTAL BOND MARKET ETF MUTUAL FUNDS/FI 921937835   2,739,822 37,723 SH   SOLE   37,723 0 0
VANGUARD TOTAL BOND MARKET ETF MUTUAL FUNDS/FI 921937835   272,726 3,755 SH   OTR   3,755 0 0
VANGUARD FTSE DEVELOPED MARKETS MUTUAL FUNDS/EQ 921943858   625,319 12,464 SH   SOLE   12,464 0 0
VANGUARD FTSE DEVELOPED MARKETS MUTUAL FUNDS/EQ 921943858   25,637 511 SH   OTR   511 0 0
VANGUARD HIGH DIVIDEND YIELD MUTUAL FUNDS/EQ 921946406   251,176 2,076 SH   SOLE   2,076 0 0
VANGUARD EMERGING MARKETS STOCK MUTUAL FUNDS/EQ 922042858   245,942 5,888 SH   SOLE   5,888 0 0
VANGUARD EMERGING MARKETS STOCK MUTUAL FUNDS/EQ 922042858   31,328 750 SH   OTR   750 0 0
VANGUARD SHORT-TERM CORP BD IDX MUTUAL FUNDS/FI 92206C409   1,069,121 13,829 SH   SOLE   13,829 0 0
VANGUARD SHORT-TERM CORP BD IDX MUTUAL FUNDS/FI 92206C409   75,377 975 SH   OTR   975 0 0
VANGUARD S&P 500 ETF (MKT) MUTUAL FUNDS/EQ 922908363   342,739 713 SH   SOLE   713 0 0
VANGUARD S&P 500 ETF (MKT) MUTUAL FUNDS/EQ 922908363   21,632 45 SH   OTR   45 0 0
VANGUARD REAL ESTATE ETF MUTUAL FUNDS/EQ 922908553   526,404 6,087 SH   SOLE   6,087 0 0
VANGUARD REAL ESTATE ETF MUTUAL FUNDS/EQ 922908553   47,564 550 SH   OTR   550 0 0
VANGUARD SMALL CAP VALUE ETF MUTUAL FUNDS/EQ 922908611   544,555 2,838 SH   SOLE   2,838 0 0
VANGUARD TOTAL STOCK MARKET ETF MUTUAL FUNDS/EQ 922908769   3,109,184 11,963 SH   SOLE   11,963 0 0
VERIZON COMMUNICATIONS INC COMMON STOCK 92343V104   182,065 4,339 SH   SOLE   4,051 0 288
VERIZON COMMUNICATIONS INC COMMON STOCK 92343V104   20,980 500 SH   OTR   500 0 0
VISA INC COMMON STOCK 92826C839   368,387 1,320 SH   SOLE   947 0 373
VISA INC COMMON STOCK 92826C839   102,143 366 SH   OTR   366 0 0
WALMART INC COMMON STOCK 931142103   2,161,248 35,919 SH   SOLE   35,568 0 351
WALMART INC COMMON STOCK 931142103   56,861 945 SH   OTR   945 0 0
AON PLC SHS CL A FOREIGN STOCK G0403H108   290,003 869 SH   SOLE   799 0 70
ACCENTURE PLC FOREIGN STOCK G1151C101   163,947 473 SH   SOLE   372 0 101
ACCENTURE PLC FOREIGN STOCK G1151C101   60,657 175 SH   OTR   175 0 0
LINDE PLC FOREIGN STOCK G54950103   73,363 158 SH   SOLE   81 0 77
LINDE PLC FOREIGN STOCK G54950103   149,047 321 SH   OTR   321 0 0
MEDTRONIC PLC FOREIGN STOCK G5960L103   180,575 2,072 SH   SOLE   1,924 0 148
MEDTRONIC PLC FOREIGN STOCK G5960L103   76,692 880 SH   OTR   880 0 0