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   255,283 9,027 SH   SOLE   8,095 0 932
AT&T INC COMMON STOCK 00206R102   55,117 1,949 SH   OTR   1,949 0 0
ABBVIE INC COMMON STOCK 00287Y109   241,787 1,154 SH   SOLE   838 0 316
ABBVIE INC COMMON STOCK 00287Y109   172,225 822 SH   OTR   822 0 0
ADOBE SYSTEMS INC COMMON STOCK 00724F101   319,483 833 SH   SOLE   749 0 84
ADOBE SYSTEMS INC COMMON STOCK 00724F101   75,173 196 SH   OTR   91 0 105
AGILENT TECHNOLOGIES INC COMMON STOCK 00846U101   415,747 3,554 SH   SOLE   3,501 0 53
ALPHABET INC COMMON STOCK 02079K107   973,784 6,233 SH   SOLE   5,570 0 663
ALPHABET INC COMMON STOCK 02079K107   97,488 624 SH   OTR   624 0 0
ALPHABET INC COMMON STOCK 02079K305   1,175,421 7,601 SH   SOLE   6,346 0 1,255
ALPHABET INC COMMON STOCK 02079K305   214,639 1,388 SH   OTR   1,085 0 303
ALTRIA GROUP INC COMMON STOCK 02209S103   833,677 13,890 SH   SOLE   13,564 0 326
ALTRIA GROUP INC COMMON STOCK 02209S103   32,591 543 SH   OTR   543 0 0
AMAZON COM INC SR COMMON STOCK 023135106   1,072,115 5,635 SH   SOLE   3,859 0 1,776
AMAZON COM INC SR COMMON STOCK 023135106   86,758 456 SH   OTR   310 0 146
AVANTIS INTL SMALL CAP VAL ETF MUTUAL FUNDS/EQ 025072802   601,786 8,629 SH   SOLE   634 0 7,995
AMERICAN EXPRESS CO COMMON STOCK 025816109   582,761 2,166 SH   SOLE   1,987 0 179
AMERICAN EXPRESS CO COMMON STOCK 025816109   221,429 823 SH   OTR   823 0 0
APPLE INC COMMON STOCK 037833100   4,984,148 22,438 SH   SOLE   19,691 0 2,747
APPLE INC COMMON STOCK 037833100   1,143,749 5,149 SH   OTR   4,942 0 207
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103   1,775,130 5,810 SH   SOLE   5,725 0 85
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100   564,865 6,735 SH   SOLE   6,706 0 29
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100   68,773 820 SH   OTR   820 0 0
BECTON DICKINSON & CO COMMON STOCK 075887109   650,530 2,840 SH   SOLE   2,800 0 40
BERKSHIRE HATHAWAY INC COMMON STOCK 084670108   2,395,325 3 SH   SOLE   3 0 0
BERKSHIRE HATHAWAY INC COMMON STOCK 084670702   831,887 1,562 SH   SOLE   1,261 0 301
BERKSHIRE HATHAWAY INC COMMON STOCK 084670702   77,224 145 SH   OTR   0 0 145
BLACKROCK INC COMMON STOCK 09290D101   329,376 348 SH   SOLE   328 0 20
BLACKROCK INC COMMON STOCK 09290D101   130,614 138 SH   OTR   138 0 0
BOOKING HLDGS INC COMMON STOCK 09857L108   281,023 61 SH   SOLE   52 0 9
BOOKING HLDGS INC COMMON STOCK 09857L108   36,856 8 SH   OTR   8 0 0
BRISTOL-MYERS SQUIBB CO COMMON STOCK 110122108   1,802,622 29,556 SH   SOLE   28,821 0 735
BRISTOL-MYERS SQUIBB CO COMMON STOCK 110122108   19,456 319 SH   OTR   319 0 0
BROADRIDGE FINANCIAL SOLUTIONS COMMON STOCK 11133T103   545,535 2,250 SH   SOLE   2,250 0 0
BROADCOM INC COM COMMON STOCK 11135F101   344,739 2,059 SH   SOLE   1,280 0 779
CSX CORP COMMON STOCK 126408103   233,467 7,933 SH   SOLE   7,444 0 489
CATERPILLAR INC COMMON STOCK 149123101   2,442,169 7,405 SH   SOLE   7,342 0 63
CATERPILLAR INC COMMON STOCK 149123101   56,066 170 SH   OTR   170 0 0
CHEVRON CORP COMMON STOCK 166764100   3,638,893 21,752 SH   SOLE   21,454 0 298
CHEVRON CORP COMMON STOCK 166764100   201,920 1,207 SH   OTR   1,207 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102   389,330 6,309 SH   SOLE   5,594 0 715
CISCO SYSTEMS INC COMMON STOCK 17275R102   129,776 2,103 SH   OTR   2,103 0 0
COCA-COLA CO COMMON STOCK 191216100   2,085,933 29,125 SH   SOLE   28,451 0 674
COCA-COLA CO COMMON STOCK 191216100   96,543 1,348 SH   OTR   1,348 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105   690,419 730 SH   SOLE   650 0 80
COSTCO WHOLESALE CORP COMMON STOCK 22160K105   84,174 89 SH   OTR   89 0 0
WALT DISNEY CO COMMON STOCK 254687106   349,497 3,541 SH   SOLE   913 0 2,628
DUKE ENERGY CORP COMMON STOCK 26441C204   371,399 3,045 SH   SOLE   2,910 0 135
DUPONT DE NEMOURS INC COMMON STOCK 26614N102   304,620 4,079 SH   SOLE   3,974 0 105
DUPONT DE NEMOURS INC COMMON STOCK 26614N102   18,745 251 SH   OTR   251 0 0
EMERSON ELECTRIC CO COMMON STOCK 291011104   286,928 2,617 SH   SOLE   2,517 0 100
EMERSON ELECTRIC CO COMMON STOCK 291011104   88,370 806 SH   OTR   806 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102   2,848,615 23,952 SH   SOLE   21,230 0 2,722
EXXON MOBIL CORP COMMON STOCK 30231G102   139,386 1,172 SH   OTR   897 0 275
META PLATFORMS INC COMMON STOCK 30303M102   450,137 781 SH   SOLE   361 0 420
META PLATFORMS INC COMMON STOCK 30303M102   69,163 120 SH   OTR   120 0 0
FEDEX CORP COMMON STOCK 31428X106   658,938 2,703 SH   SOLE   2,602 0 101
GE VERNOVA INC COMMON STOCK 36828A101   223,770 733 SH   SOLE   694 0 39
GE AEROSPACE COMMON STOCK 369604301   606,857 3,032 SH   SOLE   2,902 0 130
GENUINE PARTS CO COMMON STOCK 372460105   191,102 1,604 SH   SOLE   1,604 0 0
GENUINE PARTS CO COMMON STOCK 372460105   26,807 225 SH   OTR   225 0 0
GLOBAL X US INFRASTRUCTURE ETF MUTUAL FUNDS/EQ 37954Y673   250,942 6,651 SH   SOLE   0 0 6,651
GLOBE LIFE INC COMMON STOCK 37959E102   889,110 6,750 SH   SOLE   6,750 0 0
HOME DEPOT INC COMMON STOCK 437076102   759,733 2,073 SH   SOLE   1,859 0 214
HOME DEPOT INC COMMON STOCK 437076102   172,984 472 SH   OTR   472 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106   686,917 3,244 SH   SOLE   3,093 0 151
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106   86,606 409 SH   OTR   409 0 0
HUNTINGTON BANCSHARES INC COMMON STOCK 446150104   570,740 38,024 SH   SOLE   38,024 0 0
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109   306,788 1,237 SH   SOLE   1,174 0 63
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109   131,942 532 SH   OTR   532 0 0
INTERNATIONAL BUSINESS MACHS COMMON STOCK 459200101   1,755,788 7,061 SH   SOLE   6,936 0 125
INTERNATIONAL BUSINESS MACHS COMMON STOCK 459200101   197,188 793 SH   OTR   793 0 0
ISHARES GOLD TRUST MUTUAL FUNDS/EQ 464285204   406,411 6,893 SH   SOLE   6,893 0 0
ISHARES CORE S&P 500 (MKT) MUTUAL FUNDS/EQ 464287200   469,189 835 SH   SOLE   835 0 0
ISHARES CORE TOTAL US BOND MUTUAL FUNDS/FI 464287226   3,277,319 33,131 SH   SOLE   33,131 0 0
ISHARES CORE TOTAL US BOND MUTUAL FUNDS/FI 464287226   615,282 6,220 SH   OTR   6,220 0 0
ISHARES MSCI EAFE (MKT) MUTUAL FUNDS/EQ 464287465   730,339 8,936 SH   SOLE   8,936 0 0
ISHARES CORE S&P MID-CAP (MKT) MUTUAL FUNDS/EQ 464287507   1,612,853 27,641 SH   SOLE   27,641 0 0
ISHARES CORE S&P MID-CAP (MKT) MUTUAL FUNDS/EQ 464287507   280,080 4,800 SH   OTR   4,800 0 0
ISHARES RUSSELL 2000 (MKT) MUTUAL FUNDS/EQ 464287655   597,075 2,993 SH   SOLE   2,993 0 0
ISHARES CORE S&P SMALL-CAP (MKT) MUTUAL FUNDS/EQ 464287804   474,435 4,537 SH   SOLE   4,537 0 0
ISHARES CORE S&P SMALL-CAP (MKT) MUTUAL FUNDS/EQ 464287804   110,321 1,055 SH   OTR   1,055 0 0
ISHARES ST NATIONAL AMTFREE MUNI MUTUAL FUNDS / 464288158   913,968 8,655 SH   SOLE   8,655 0 0
ISHARES NATIONAL AMT-FREE MUNI MUTUAL FUNDS / 464288414   6,562,164 62,236 SH   SOLE   62,236 0 0
ISHARES INTERMEDIATE-TERM MUTUAL FUNDS/FI 464288638   402,933 7,672 SH   SOLE   7,672 0 0
ISHARES SHORT-TERM CORPORATE MUTUAL FUNDS/FI 464288646   1,160,676 22,163 SH   SOLE   22,163 0 0
ISHARES FLOATING RATE BOND (MKT) MUTUAL FUNDS/FI 46429B655   224,671 4,401 SH   SOLE   4,401 0 0
ISHARES MSCI USA MINIMUM MUTUAL FUNDS/EQ 46429B697   599,424 6,400 SH   SOLE   6,400 0 0
ISHARES MSCI USA QUALITY FACTOR MUTUAL FUNDS/EQ 46432F339   381,256 2,231 SH   SOLE   2,231 0 0
ISHARES ESG1 5 YR USD BD ETF MUTUAL FUNDS/FI 46435G243   520,717 20,837 SH   SOLE   20,837 0 0
ISHARES FALN ANGLS USD BD ETF MUTUAL FUNDS/FI 46435G474   728,232 27,183 SH   SOLE   27,183 0 0
ISHARES FALN ANGLS USD BD ETF MUTUAL FUNDS/FI 46435G474   28,505 1,064 SH   OTR   1,064 0 0
ISHARES CORE INTERNATIONAL MUTUAL FUNDS/FI 46435G672   1,155,822 23,121 SH   SOLE   23,121 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100   2,477,779 10,101 SH   SOLE   9,491 0 610
JP MORGAN CHASE & CO COMMON STOCK 46625H100   280,870 1,145 SH   OTR   1,145 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104   3,913,327 23,597 SH   SOLE   22,551 0 1,046
JOHNSON & JOHNSON COMMON STOCK 478160104   295,527 1,782 SH   OTR   1,782 0 0
ELI LILLY & CO COMMON STOCK 532457108   933,279 1,130 SH   SOLE   973 0 157
ELI LILLY & CO COMMON STOCK 532457108   75,158 91 SH   OTR   91 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109   136,247 305 SH   SOLE   267 0 38
LOCKHEED MARTIN CORP COMMON STOCK 539830109   102,296 229 SH   OTR   229 0 0
LOWES COMPANIES INC COMMON STOCK 548661107   542,261 2,325 SH   SOLE   2,179 0 146
MARSH & MCLENNAN COS INC COMMON STOCK 571748102   1,522,503 6,239 SH   SOLE   6,125 0 114
MASTERCARD INC COMMON STOCK 57636Q104   312,426 570 SH   SOLE   435 0 135
MASTERCARD INC COMMON STOCK 57636Q104   346,412 632 SH   OTR   632 0 0
MCDONALDS CORP COMMON STOCK 580135101   726,573 2,326 SH   SOLE   1,056 0 1,270
MCDONALDS CORP COMMON STOCK 580135101   72,782 233 SH   OTR   233 0 0
MERCK & CO INC COMMON STOCK 58933Y105   1,324,947 14,761 SH   SOLE   14,195 0 566
MERCK & CO INC COMMON STOCK 58933Y105   24,415 272 SH   OTR   272 0 0
MICROSOFT CORP COMMON STOCK 594918104   2,694,924 7,179 SH   SOLE   5,856 0 1,323
MICROSOFT CORP COMMON STOCK 594918104   888,924 2,368 SH   OTR   2,283 0 85
MONDELEZ INTL INC COMMON STOCK 609207105   677,347 9,983 SH   SOLE   9,755 0 228
MONDELEZ INTL INC COMMON STOCK 609207105   78,773 1,161 SH   OTR   1,161 0 0
NETFLIX INC COMMON STOCK 64110L106   287,219 308 SH   SOLE   233 0 75
NEXTERA ENERGY INC COMMON STOCK 65339F101   945,743 13,341 SH   SOLE   12,923 0 418
NEXTERA ENERGY INC COMMON STOCK 65339F101   27,576 389 SH   OTR   389 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108   1,339,623 5,656 SH   SOLE   5,600 0 56
NORTHROP GRUMMAN CORP COMMON STOCK 666807102   303,622 593 SH   SOLE   551 0 42
NVIDIA CORP COMMON STOCK 67066G104   1,266,963 11,690 SH   SOLE   7,210 0 4,480
NVIDIA CORP COMMON STOCK 67066G104   79,659 735 SH   OTR   735 0 0
ORACLE CORP COMMON STOCK 68389X105   731,764 5,234 SH   SOLE   4,791 0 443
PNC FINANCIAL SERVICES GROUP COMMON STOCK 693475105   200,378 1,140 SH   SOLE   1,050 0 90
PNC FINANCIAL SERVICES GROUP COMMON STOCK 693475105   15,819 90 SH   OTR   90 0 0
PAYCHEX INC COMMON STOCK 704326107   175,570 1,138 SH   SOLE   1,100 0 38
PAYCHEX INC COMMON STOCK 704326107   59,398 385 SH   OTR   385 0 0
PEPSICO INC COMMON STOCK 713448108   642,944 4,288 SH   SOLE   4,069 0 219
PEPSICO INC COMMON STOCK 713448108   162,236 1,082 SH   OTR   1,082 0 0
PFIZER INC COMMON STOCK 717081103   549,575 21,688 SH   SOLE   20,619 0 1,069
PFIZER INC COMMON STOCK 717081103   56,533 2,231 SH   OTR   2,231 0 0
PHILIP MORRIS INTERNATIONAL INC COMMON STOCK 718172109   1,768,728 11,143 SH   SOLE   10,873 0 270
PHILIP MORRIS INTERNATIONAL INC COMMON STOCK 718172109   35,079 221 SH   OTR   221 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109   2,803,577 16,451 SH   SOLE   16,007 0 444
PROCTER & GAMBLE CO COMMON STOCK 742718109   1,069,045 6,273 SH   OTR   6,273 0 0
QUALCOMM INC COMMON STOCK 747525103   160,524 1,045 SH   SOLE   901 0 144
QUALCOMM INC COMMON STOCK 747525103   47,926 312 SH   OTR   312 0 0
RTX CORPORATION COMMON STOCK 75513E101   258,561 1,952 SH   SOLE   1,695 0 257
RTX CORPORATION COMMON STOCK 75513E101   58,415 441 SH   OTR   441 0 0
SPDR S&P 500 ETF MUTUAL FUNDS/EQ 78462F103   1,630,622 2,915 SH   SOLE   2,915 0 0
SPDR BOFA ML CROSSOVER CORP BOND MUTUAL FUNDS/FI 78468R606   633,418 27,046 SH   SOLE   27,046 0 0
SPDR NUVEEN BLOOMBERG BARCLAYS MUTUAL FUNDS / 78468R721   208,314 4,622 SH   SOLE   4,622 0 0
SALESFORCE COMMON STOCK 79466L302   170,141 634 SH   SOLE   555 0 79
SALESFORCE COMMON STOCK 79466L302   34,886 130 SH   OTR   130 0 0
SCHWAB US BROAD MARKET ETFT MUTUAL FUNDS/EQ 808524102   1,676,111 77,850 SH   SOLE   77,850 0 0
TARGET CORP COMMON STOCK 87612E106   1,032,224 9,891 SH   SOLE   9,804 0 87
TARGET CORP COMMON STOCK 87612E106   76,705 735 SH   OTR   735 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104   1,275,691 7,099 SH   SOLE   6,863 0 236
3M CO COMMON STOCK 88579Y101   446,159 3,038 SH   SOLE   2,963 0 75
3M CO COMMON STOCK 88579Y101   54,632 372 SH   OTR   372 0 0
THE TRAVELERS COMPANIES INC COMMON STOCK 89417E109   204,428 773 SH   SOLE   728 0 45
UNION PACIFIC CORP COMMON STOCK 907818108   2,103,247 8,903 SH   SOLE   7,180 0 1,723
UNION PACIFIC CORP COMMON STOCK 907818108   193,008 817 SH   OTR   817 0 0
UNITED PARCEL SERVICE COMMON STOCK 911312106   180,934 1,645 SH   SOLE   1,558 0 87
UNITED PARCEL SERVICE COMMON STOCK 911312106   43,336 394 SH   OTR   394 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102   370,817 708 SH   SOLE   515 0 193
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102   29,330 56 SH   OTR   56 0 0
VANGUARD TOTAL BOND MARKET ETF MUTUAL FUNDS/FI 921937835   3,104,219 42,263 SH   SOLE   42,263 0 0
VANGUARD TOTAL BOND MARKET ETF MUTUAL FUNDS/FI 921937835   275,805 3,755 SH   OTR   3,755 0 0
VANGUARD FTSE DEVELOPED MARKETS MUTUAL FUNDS/EQ 921943858   726,667 14,296 SH   SOLE   14,296 0 0
VANGUARD FTSE DEVELOPED MARKETS MUTUAL FUNDS/EQ 921943858   15,910 313 SH   OTR   313 0 0
VANGUARD HIGH DIVIDEND YIELD MUTUAL FUNDS/EQ 921946406   336,457 2,609 SH   SOLE   2,609 0 0
VANGUARD EMERGING MARKETS STOCK MUTUAL FUNDS/EQ 922042858   339,271 7,496 SH   SOLE   7,496 0 0
VANGUARD EMERGING MARKETS STOCK MUTUAL FUNDS/EQ 922042858   26,251 580 SH   OTR   580 0 0
VANGUARD SHORT-TERM CORP BD IDX MUTUAL FUNDS/FI 92206C409   1,255,700 15,907 SH   SOLE   15,907 0 0
VANGUARD SHORT-TERM CORP BD IDX MUTUAL FUNDS/FI 92206C409   76,967 975 SH   OTR   975 0 0
VANGUARD S&P 500 ETF (MKT) MUTUAL FUNDS/EQ 922908363   472,284 919 SH   SOLE   919 0 0
VANGUARD S&P 500 ETF (MKT) MUTUAL FUNDS/EQ 922908363   23,126 45 SH   OTR   45 0 0
VANGUARD REAL ESTATE ETF MUTUAL FUNDS/EQ 922908553   392,672 4,337 SH   SOLE   4,337 0 0
VANGUARD REAL ESTATE ETF MUTUAL FUNDS/EQ 922908553   49,797 550 SH   OTR   550 0 0
VANGUARD SMALL CAP VALUE ETF MUTUAL FUNDS/EQ 922908611   587,744 3,155 SH   SOLE   3,155 0 0
VANGUARD TOTAL STOCK MARKET ETF MUTUAL FUNDS/EQ 922908769   3,522,624 12,817 SH   SOLE   12,817 0 0
VISA INC COMMON STOCK 92826C839   453,145 1,293 SH   SOLE   922 0 371
VISA INC COMMON STOCK 92826C839   110,045 314 SH   OTR   314 0 0
WALMART INC COMMON STOCK 931142103   3,102,235 35,337 SH   SOLE   34,983 0 354
WALMART INC COMMON STOCK 931142103   82,962 945 SH   OTR   945 0 0
AON PLC SHS CL A FOREIGN STOCK G0403H108   330,847 829 SH   SOLE   762 0 67
ACCENTURE PLC FOREIGN STOCK G1151C101   161,948 519 SH   SOLE   418 0 101
ACCENTURE PLC FOREIGN STOCK G1151C101   80,194 257 SH   OTR   163 0 94
LINDE PLC FOREIGN STOCK G54950103   68,914 148 SH   SOLE   72 0 76
LINDE PLC FOREIGN STOCK G54950103   134,105 288 SH   OTR   288 0 0
MEDTRONIC PLC FOREIGN STOCK G5960L103   186,190 2,072 SH   SOLE   1,924 0 148
MEDTRONIC PLC FOREIGN STOCK G5960L103   72,787 810 SH   OTR   810 0 0