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    <nameOfIssuer>ABBOTT LABORATORIES</nameOfIssuer>
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    <nameOfIssuer>BERKSHIRE HATHAWAY INC DEL</nameOfIssuer>
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    <nameOfIssuer>BLACKROCK INC</nameOfIssuer>
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    <nameOfIssuer>BROWN &amp; BROWN INC</nameOfIssuer>
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    <nameOfIssuer>CHEVRON CORPORATION</nameOfIssuer>
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    <nameOfIssuer>CVS HEALTH CORP</nameOfIssuer>
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    <nameOfIssuer>EDWARDS LIFESCIENCES CORP</nameOfIssuer>
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    <nameOfIssuer>EXXONMOBIL HOLDINGS CORP</nameOfIssuer>
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    <nameOfIssuer>FIDELITY COVINGTON TRUST</nameOfIssuer>
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    <nameOfIssuer>GOLDMAN SACHS ETF TR</nameOfIssuer>
    <titleOfClass>Exchange Traded Fund</titleOfClass>
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    <nameOfIssuer>GOLDMAN SACHS ETF TR</nameOfIssuer>
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    <nameOfIssuer>HALLIBURTON CO</nameOfIssuer>
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    <nameOfIssuer>INVESCO EXCHANGE TRADED FD TR</nameOfIssuer>
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    <nameOfIssuer>INVESCO EXCHANGE TRADED FD TR</nameOfIssuer>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <cusip>464287200</cusip>
    <value>19772715</value>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>Exchange Traded Fund</titleOfClass>
    <cusip>464287507</cusip>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>Fixed Income ETF</titleOfClass>
    <cusip>464288646</cusip>
    <value>1351806</value>
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    <nameOfIssuer>JPMORGAN CHASE &amp; CO</nameOfIssuer>
    <titleOfClass>Common Stock</titleOfClass>
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    <nameOfIssuer>KINSALE CAP GROUP INC</nameOfIssuer>
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    <cusip>49714P108</cusip>
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    <nameOfIssuer>MASTERCARD INCORPORATED</nameOfIssuer>
    <titleOfClass>Common Stock</titleOfClass>
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    <nameOfIssuer>MCDONALDS CORP</nameOfIssuer>
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    <nameOfIssuer>META PLATFORMS INC</nameOfIssuer>
    <titleOfClass>Common Stock</titleOfClass>
    <cusip>30303M102</cusip>
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    <nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
    <titleOfClass>Common Stock</titleOfClass>
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    <nameOfIssuer>MORGAN STANLEY ETF TRUST</nameOfIssuer>
    <titleOfClass>Fixed Income ETF</titleOfClass>
    <cusip>61774R767</cusip>
    <value>5405547</value>
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    <nameOfIssuer>MORGAN STANLEY ETF TRUST</nameOfIssuer>
    <titleOfClass>Fixed Income ETF</titleOfClass>
    <cusip>61774R767</cusip>
    <value>12467</value>
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    <nameOfIssuer>NVIDIA CORPORATION</nameOfIssuer>
    <titleOfClass>Common Stock</titleOfClass>
    <cusip>67066G104</cusip>
    <value>228380</value>
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      <Sole>1000</Sole>
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    <nameOfIssuer>ORACLE CORP</nameOfIssuer>
    <titleOfClass>Common Stock</titleOfClass>
    <cusip>68389X105</cusip>
    <value>260870</value>
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      <sshPrnamt>1900</sshPrnamt>
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      <Sole>1900</Sole>
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    </votingAuthority>
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    <nameOfIssuer>PHILIP MORRIS INTL INC</nameOfIssuer>
    <titleOfClass>Common Stock</titleOfClass>
    <cusip>718172109</cusip>
    <value>296153</value>
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      <Sole>1552</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>QUANTA SVCS INC</nameOfIssuer>
    <titleOfClass>Common Stock</titleOfClass>
    <cusip>74762E102</cusip>
    <value>390004</value>
    <shrsOrPrnAmt>
      <sshPrnamt>607</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>607</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>Exchange Traded Fund</titleOfClass>
    <cusip>81369Y308</cusip>
    <value>4988092</value>
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      <sshPrnamt>61887</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>61887</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>Exchange Traded Fund</titleOfClass>
    <cusip>81369Y860</cusip>
    <value>5234189</value>
    <shrsOrPrnAmt>
      <sshPrnamt>127944</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>127944</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>STATE STR SPDR S&amp;P MIDCAP 400</nameOfIssuer>
    <titleOfClass>Exchange Traded Fund</titleOfClass>
    <cusip>78467Y107</cusip>
    <value>295520</value>
    <shrsOrPrnAmt>
      <sshPrnamt>450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TRANE TECHNOLOGIES PLC</nameOfIssuer>
    <titleOfClass>Int&apos;l Common Stock</titleOfClass>
    <cusip>G8994E103</cusip>
    <value>244521</value>
    <shrsOrPrnAmt>
      <sshPrnamt>541</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>541</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNION PAC CORP</nameOfIssuer>
    <titleOfClass>Common Stock</titleOfClass>
    <cusip>907818108</cusip>
    <value>244917</value>
    <shrsOrPrnAmt>
      <sshPrnamt>900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
    <titleOfClass>Common Stock</titleOfClass>
    <cusip>91324P102</cusip>
    <value>261361</value>
    <shrsOrPrnAmt>
      <sshPrnamt>712</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>712</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
    <titleOfClass>Exchange Traded Fund</titleOfClass>
    <cusip>92189F643</cusip>
    <value>7798861</value>
    <shrsOrPrnAmt>
      <sshPrnamt>73776</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>73776</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>Exchange Traded Fund</titleOfClass>
    <cusip>922908363</cusip>
    <value>880981</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1257</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1257</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX FDS</nameOfIssuer>
    <titleOfClass>International Equity ETF</titleOfClass>
    <cusip>922042742</cusip>
    <value>9038965</value>
    <shrsOrPrnAmt>
      <sshPrnamt>57263</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>57263</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>Fixed Income ETF</titleOfClass>
    <cusip>92206C847</cusip>
    <value>9075</value>
    <shrsOrPrnAmt>
      <sshPrnamt>181</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>181</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>Fixed Income ETF</titleOfClass>
    <cusip>92206C847</cusip>
    <value>5288717</value>
    <shrsOrPrnAmt>
      <sshPrnamt>105479</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>105479</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD TAX-MANAGED FDS</nameOfIssuer>
    <titleOfClass>Exchange Traded Fund</titleOfClass>
    <cusip>921943858</cusip>
    <value>380376</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5387</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5387</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
    <titleOfClass>Exchange Traded Fund</titleOfClass>
    <cusip>921946406</cusip>
    <value>9467</value>
    <shrsOrPrnAmt>
      <sshPrnamt>61</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>61</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
    <titleOfClass>Exchange Traded Fund</titleOfClass>
    <cusip>921946406</cusip>
    <value>1166794</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7518</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7518</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
    <titleOfClass>International Equity ETF</titleOfClass>
    <cusip>921946794</cusip>
    <value>1352108</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13370</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13370</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
    <titleOfClass>International Equity ETF</titleOfClass>
    <cusip>921946794</cusip>
    <value>9708</value>
    <shrsOrPrnAmt>
      <sshPrnamt>96</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>96</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VISA INC</nameOfIssuer>
    <titleOfClass>Common Stock</titleOfClass>
    <cusip>92826C839</cusip>
    <value>729081</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2029</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2029</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WALMART INC</nameOfIssuer>
    <titleOfClass>Common Stock</titleOfClass>
    <cusip>931142103</cusip>
    <value>493620</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WORLD GOLD TR</nameOfIssuer>
    <titleOfClass>Exchange Traded Fund</titleOfClass>
    <cusip>98149E303</cusip>
    <value>3050850</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37124</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>37124</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
</informationTable>
