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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AT&T INC COMMON STOCK 00206R102 340 16,209 SH   SOLE   15,344 0 865
AT&T INC COMMON STOCK 00206R102 75 3,599 SH   OTR   3,599 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100 966 8,894 SH   SOLE   8,819 0 75
ABBOTT LABORATORIES COMMON STOCK 002824100 60 550 SH   OTR   250 0 300
ABBVIE INC COMMON STOCK 00287Y109 249 1,626 SH   SOLE   1,626 0 0
ABBVIE INC COMMON STOCK 00287Y109 46 300 SH   OTR   0 0 300
ADVANCED MICRO DEVICES COMMON STOCK 007903107 245 3,210 SH   SOLE   3,210 0 0
ADVANCED MICRO DEVICES COMMON STOCK 007903107 45 590 SH   OTR   590 0 0
ALPHABET INC COMMON STOCK 02079K107 650 297 SH   SOLE   297 0 0
ALPHABET INC COMMON STOCK 02079K107 140 64 SH   OTR   64 0 0
ALPHABET INC COMMON STOCK 02079K305 846 388 SH   SOLE   350 0 38
ALPHABET INC COMMON STOCK 02079K305 174 80 SH   OTR   80 0 0
AMAZON.COM INC COMMON STOCK 023135106 1,132 10,660 SH   SOLE   10,600 0 60
AMAZON.COM INC COMMON STOCK 023135106 4 40 SH   DFND   40 0 0
AMAZON.COM INC COMMON STOCK 023135106 246 2,320 SH   OTR   2,220 0 100
AMERICAN EXPRESS CO COMMON STOCK 025816109 223 1,612 SH   SOLE   1,612 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 59 425 SH   OTR   425 0 0
ANNALY CAPITAL MANAGEMENT, INC COMMON STOCK 035710409 11 1,810 SH   SOLE   0 0 1,810
ANNALY CAPITAL MANAGEMENT, INC COMMON STOCK 035710409 136 23,014 SH   OTR   23,014 0 0
ELEVANCE HEALTH INC COMMON STOCK 036752103 272 563 SH   SOLE   563 0 0
ELEVANCE HEALTH INC COMMON STOCK 036752103 14 30 SH   OTR   30 0 0
APPLE INC COMMON STOCK 037833100 3,407 24,921 SH   SOLE   23,662 0 1,259
APPLE INC COMMON STOCK 037833100 190 1,392 SH   DFND   1,392 0 0
APPLE INC COMMON STOCK 037833100 889 6,501 SH   OTR   5,781 0 720
BERKSHIRE HATHAWAY INC COMMON STOCK 084670702 748 2,740 SH   SOLE   2,706 0 34
BERKSHIRE HATHAWAY INC COMMON STOCK 084670702 75 275 SH   OTR   275 0 0
BOOKING HLDGS INC COMMON STOCK 09857L108 189 108 SH   SOLE   108 0 0
BOOKING HLDGS INC COMMON STOCK 09857L108 45 26 SH   OTR   26 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 304 3,942 SH   SOLE   3,209 0 733
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 8 100 SH   DFND   100 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 147 1,915 SH   OTR   1,255 0 660
CIGNA CORP COMMON STOCK 125523100 344 1,306 SH   SOLE   1,077 0 229
CIGNA CORP COMMON STOCK 125523100 79 300 SH   OTR   300 0 0
CVS HEALTH CORP COMMON STOCK 126650100 160 1,731 SH   SOLE   1,671 0 60
CVS HEALTH CORP COMMON STOCK 126650100 168 1,809 SH   OTR   1,809 0 0
CHEVRON CORPORATION COMMON STOCK 166764100 85 585 SH   SOLE   585 0 0
CHEVRON CORPORATION COMMON STOCK 166764100 139 962 SH   OTR   687 0 275
CISCO SYSTEMS INC COMMON STOCK 17275R102 320 7,499 SH   SOLE   7,499 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 151 3,541 SH   OTR   2,678 0 863
CITIGROUP INC COMMON STOCK 172967424 386 8,402 SH   SOLE   8,342 0 60
CITIGROUP INC COMMON STOCK 172967424 26 567 SH   OTR   567 0 0
COCA COLA CO COMMON STOCK 191216100 301 4,779 SH   SOLE   4,779 0 0
COCA COLA CO COMMON STOCK 191216100 192 3,058 SH   OTR   1,200 0 1,858
COLGATE PALMOLIVE COMMON STOCK 194162103 224 2,790 SH   SOLE   2,790 0 0
COLGATE PALMOLIVE COMMON STOCK 194162103 67 840 SH   OTR   840 0 0
COMCAST CORPORATION COMMON STOCK 20030N101 226 5,759 SH   SOLE   4,355 0 1,404
COMCAST CORPORATION COMMON STOCK 20030N101 44 1,125 SH   OTR   1,125 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 252 2,804 SH   SOLE   2,804 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 56 625 SH   OTR   415 0 210
CROWDSTRIKE HOLDINGS INC COMMON STOCK 22788C105 371 2,200 SH   SOLE   2,200 0 0
DEERE & CO COMMON STOCK 244199105 108 360 SH   SOLE   360 0 0
DEERE & CO COMMON STOCK 244199105 30 100 SH   DFND   100 0 0
DEERE & CO COMMON STOCK 244199105 64 213 SH   OTR   213 0 0
DISNEY WALT CO COMMON STOCK 254687106 367 3,887 SH   SOLE   3,887 0 0
DISNEY WALT CO COMMON STOCK 254687106 5 50 SH   DFND   50 0 0
DISNEY WALT CO COMMON STOCK 254687106 68 720 SH   OTR   565 0 155
EMERSON ELECTRIC CO COMMON STOCK 291011104 321 4,032 SH   SOLE   4,032 0 0
EMERSON ELECTRIC CO COMMON STOCK 291011104 97 1,225 SH   OTR   575 0 650
EXXON MOBIL CORP COMMON STOCK 30231G102 1,589 18,549 SH   SOLE   18,399 0 150
EXXON MOBIL CORP COMMON STOCK 30231G102 527 6,157 SH   OTR   5,132 0 1,025
FEDEX CORP COMMON STOCK 31428X106 330 1,457 SH   SOLE   1,288 0 169
FEDEX CORP COMMON STOCK 31428X106 5 20 SH   DFND   20 0 0
FEDEX CORP COMMON STOCK 31428X106 36 160 SH   OTR   160 0 0
FIRST BANCORP INC COMMON STOCK 31866P102 13,562 450,108 SH   SOLE   437,008 0 13,100
FIRST BANCORP INC COMMON STOCK 31866P102 8,627 286,324 SH   OTR   286,324 0 0
FORD MOTOR CO COMMON STOCK 345370860 161 14,435 SH   SOLE   13,435 0 1,000
GENERAL ELECTRIC CO COMMON STOCK 369604301 489 7,675 SH   SOLE   7,675 0 0
GENERAL ELECTRIC CO COMMON STOCK 369604301 12 189 SH   OTR   189 0 0
GENERAL MILLS INC COMMON STOCK 370334104 208 2,762 SH   SOLE   2,262 0 500
GENERAL MILLS INC COMMON STOCK 370334104 40 532 SH   OTR   0 0 532
HOME DEPOT INC COMMON STOCK 437076102 253 924 SH   SOLE   884 0 40
HOME DEPOT INC COMMON STOCK 437076102 163 594 SH   OTR   83 0 511
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 372 2,138 SH   SOLE   2,138 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 60 347 SH   OTR   347 0 0
IDEXX LABS INC COMMON STOCK 45168D104 553 1,576 SH   SOLE   1,576 0 0
IDEXX LABS INC COMMON STOCK 45168D104 22 64 SH   OTR   64 0 0
INTEL CORP COMMON STOCK 458140100 227 6,059 SH   SOLE   5,899 0 160
INTEL CORP COMMON STOCK 458140100 88 2,361 SH   OTR   1,489 0 872
INTERNATIONAL BUSINESS MACHINES COMMON STOCK 459200101 989 7,007 SH   SOLE   6,691 0 316
INTERNATIONAL BUSINESS MACHINES COMMON STOCK 459200101 135 953 SH   OTR   753 0 200
ISHARES ETF-EQUITY 464287200 2,432 6,415 SH   SOLE   6,415 0 0
ISHARES ETF-EQUITY 464287200 100 265 SH   DFND   265 0 0
ISHARES ETF-EQUITY 464287200 751 1,980 SH   OTR   1,980 0 0
ISHARES ETF-EQUITY 464287234 200 4,995 SH   SOLE   4,776 0 219
ISHARES ETF-EQUITY 464287234 56 1,385 SH   OTR   935 0 450
ISHARES ETF-EQUITY 464287465 1,042 16,674 SH   SOLE   15,210 0 1,464
ISHARES ETF-EQUITY 464287465 173 2,774 SH   OTR   2,774 0 0
ISHARES ETF-EQUITY 464287507 244 1,078 SH   SOLE   1,078 0 0
ISHARES ETF-EQUITY 464287507 34 150 SH   DFND   150 0 0
ISHARES ETF-EQUITY 464287507 124 547 SH   OTR   547 0 0
ISHARES ETF-EQUITY 464287630 408 3,000 SH   SOLE   3,000 0 0
ISHARES ETF-EQUITY 464287648 505 2,450 SH   SOLE   2,450 0 0
ISHARES ETF-EQUITY 464287721 261 3,270 SH   SOLE   3,270 0 0
ISHARES ETF-EQUITY 464287804 808 8,748 SH   SOLE   8,748 0 0
ISHARES ETF-EQUITY 464287804 97 1,048 SH   OTR   1,048 0 0
ISHARES COMMON STOCK 464288224 24 1,278 SH   SOLE   1,178 0 100
ISHARES COMMON STOCK 464288224 772 40,530 SH   OTR   40,530 0 0
ISHARES ETF-EQUITY 464288695 305 4,130 SH   SOLE   3,330 0 800
ISHARES ETF-EQUITY 464288695 42 568 SH   OTR   568 0 0
JPMORGAN COMMON STOCK 46625H100 552 4,899 SH   SOLE   4,491 0 408
JPMORGAN COMMON STOCK 46625H100 80 714 SH   OTR   714 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 1,204 6,780 SH   SOLE   6,580 0 200
JOHNSON & JOHNSON COMMON STOCK 478160104 312 1,760 SH   OTR   1,350 0 410
KELLOGG CO COMMON STOCK 487836108 164 2,305 SH   SOLE   2,305 0 0
KELLOGG CO COMMON STOCK 487836108 46 650 SH   OTR   650 0 0
KIMBERLY-CLARK CORP COMMON STOCK 494368103 227 1,682 SH   SOLE   1,682 0 0
KIMBERLY-CLARK CORP COMMON STOCK 494368103 13 95 SH   OTR   0 0 95
LILLY ELI & CO COMMON STOCK 532457108 233 718 SH   SOLE   507 0 211
LILLY ELI & CO COMMON STOCK 532457108 63 195 SH   OTR   195 0 0
LUMEN TECHNOLOGIES INC COMMON STOCK 550241103 2 140 SH   SOLE   0 0 140
LUMEN TECHNOLOGIES INC COMMON STOCK 550241103 136 12,458 SH   OTR   12,458 0 0
MASTERCARD INC COMMON STOCK 57636Q104 175 554 SH   SOLE   479 0 75
MASTERCARD INC COMMON STOCK 57636Q104 50 160 SH   OTR   160 0 0
MCDONALDS CORP COMMON STOCK 580135101 471 1,906 SH   SOLE   1,881 0 25
MCDONALDS CORP COMMON STOCK 580135101 23 95 SH   OTR   95 0 0
MCKESSON CORP COMMON STOCK 58155Q103 137 420 SH   SOLE   420 0 0
MCKESSON CORP COMMON STOCK 58155Q103 91 280 SH   OTR   280 0 0
MERCK & CO INC COMMON STOCK 58933Y105 309 3,390 SH   SOLE   3,146 0 244
MERCK & CO INC COMMON STOCK 58933Y105 158 1,733 SH   OTR   1,063 0 670
MICROSOFT CORP COMMON STOCK 594918104 2,443 9,514 SH   SOLE   9,449 0 65
MICROSOFT CORP COMMON STOCK 594918104 805 3,134 SH   OTR   1,266 0 1,868
NEXTERA ENERGY INC COMMON STOCK 65339F101 648 8,364 SH   SOLE   8,364 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 138 1,780 SH   OTR   980 0 800
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 436 1,919 SH   SOLE   1,849 0 70
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 50 219 SH   OTR   219 0 0
NVIDIA CORPORATION COMMON STOCK 67066G104 224 1,475 SH   SOLE   1,475 0 0
NVIDIA CORPORATION COMMON STOCK 67066G104 29 192 SH   OTR   192 0 0
PALO ALTO NETWORKS INC COMMON STOCK 697435105 206 418 SH   SOLE   418 0 0
PALO ALTO NETWORKS INC COMMON STOCK 697435105 2 5 SH   OTR   5 0 0
PEPSICO INC COMMON STOCK 713448108 662 3,970 SH   SOLE   3,595 0 375
PEPSICO INC COMMON STOCK 713448108 97 585 SH   OTR   585 0 0
PFIZER INC COMMON STOCK 717081103 708 13,498 SH   SOLE   13,498 0 0
PFIZER INC COMMON STOCK 717081103 74 1,412 SH   OTR   1,412 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 1,038 7,222 SH   SOLE   6,540 0 682
PROCTER & GAMBLE CO COMMON STOCK 742718109 213 1,480 SH   OTR   969 0 511
QUALCOMM INC COMMON STOCK 747525103 282 2,211 SH   SOLE   1,846 0 365
QUALCOMM INC COMMON STOCK 747525103 95 745 SH   OTR   745 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 295 3,074 SH   SOLE   2,904 0 170
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 99 1,030 SH   OTR   330 0 700
SPDR S&P 500 ETF-EQUITY 78462F103 722 1,915 SH   SOLE   1,630 0 285
SPDR S&P 500 ETF-EQUITY 78462F103 106 280 SH   OTR   280 0 0
SPDR ETF-EQUITY 78464A698 260 4,469 SH   SOLE   4,319 0 150
SPDR ETF-EQUITY 78464A698 33 566 SH   OTR   21 0 545
SALESFORCE INC COMMON STOCK 79466L302 456 2,761 SH   SOLE   2,233 0 528
SALESFORCE INC COMMON STOCK 79466L302 12 71 SH   DFND   71 0 0
SALESFORCE INC COMMON STOCK 79466L302 146 885 SH   OTR   885 0 0
SPDR ETF-EQUITY 81369Y209 1,290 10,060 SH   SOLE   10,060 0 0
SPDR ETF-EQUITY 81369Y605 1,499 47,652 SH   SOLE   47,652 0 0
SPDR ETF-EQUITY 81369Y605 123 3,899 SH   OTR   3,899 0 0
SPDR ETF-EQUITY 81369Y704 298 3,411 SH   SOLE   3,411 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 16 105 SH   SOLE   105 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 185 1,205 SH   OTR   203 0 1,002
US BANCORP COMMON STOCK 902973304 612 13,301 SH   SOLE   11,901 0 1,400
UNION PACIFIC CORP COMMON STOCK 907818108 251 1,176 SH   SOLE   1,176 0 0
UNION PACIFIC CORP COMMON STOCK 907818108 19 90 SH   OTR   90 0 0
VANGUARD ETF-EQUITY 921908844 994 6,928 SH   SOLE   6,438 0 490
VANGUARD ETF-EQUITY 921908844 24 170 SH   OTR   35 0 135
VANGUARD ETF-EQUITY 921932505 399 1,835 SH   SOLE   1,835 0 0
VANGUARD ETF-EQUITY 921932505 46 210 SH   OTR   210 0 0
VANGUARD ETF-EQUITY 921932703 733 5,514 SH   SOLE   5,514 0 0
VANGUARD ETF-EQUITY 921932703 107 808 SH   OTR   808 0 0
VANGUARD ETF-EQUITY 921932885 1,049 6,850 SH   SOLE   6,850 0 0
VANGUARD ETF-EQUITY 921943858 6,484 158,932 SH   SOLE   157,737 0 1,195
VANGUARD ETF-EQUITY 921943858 56 1,381 SH   DFND   1,381 0 0
VANGUARD ETF-EQUITY 921943858 1,378 33,785 SH   OTR   27,459 0 6,326
VANGUARD ETF-EQUITY 922042775 210 4,195 SH   SOLE   4,195 0 0
VANGUARD ETF-EQUITY 922042775 14 289 SH   OTR   289 0 0
VANGUARD ETF-EQUITY 922042858 1,700 40,821 SH   SOLE   38,671 0 2,150
VANGUARD ETF-EQUITY 922042858 20 469 SH   DFND   469 0 0
VANGUARD ETF-EQUITY 922042858 695 16,690 SH   OTR   16,066 0 624
VANGUARD ETF-EQUITY 92204A108 736 3,235 SH   SOLE   3,235 0 0
VANGUARD ETF-EQUITY 92204A207 673 3,630 SH   SOLE   3,630 0 0
VANGUARD ETF-EQUITY 92204A207 21 115 SH   OTR   115 0 0
VANGUARD ETF-EQUITY 92204A306 826 8,305 SH   SOLE   8,305 0 0
VANGUARD ETF-EQUITY 92204A306 130 1,305 SH   OTR   1,305 0 0
VANGUARD ETF-EQUITY 92204A504 294 1,250 SH   SOLE   1,250 0 0
VANGUARD ETF-EQUITY 92204A702 1,138 3,484 SH   SOLE   3,484 0 0
VANGUARD ETF-EQUITY 92204A702 46 142 SH   OTR   142 0 0
VANGUARD ETF-EQUITY 92204A876 683 4,482 SH   SOLE   3,987 0 495
VANGUARD ETF-EQUITY 92204A876 37 243 SH   OTR   243 0 0
VANGUARD ETF-EQUITY 92204A884 474 5,041 SH   SOLE   4,441 0 600
VANGUARD ETF-EQUITY 92204A884 49 516 SH   OTR   516 0 0
VANGUARD ETF-EQUITY 92206C664 639 9,350 SH   SOLE   9,250 0 100
VANGUARD ETF-EQUITY 922908363 980 2,826 SH   SOLE   2,666 0 160
VANGUARD ETF-EQUITY 922908553 282 3,091 SH   SOLE   2,636 0 455
VANGUARD ETF-EQUITY 922908553 246 2,695 SH   OTR   2,695 0 0
VANGUARD ETF-EQUITY 922908629 3,790 19,241 SH   SOLE   18,582 0 659
VANGUARD ETF-EQUITY 922908629 1,491 7,568 SH   OTR   7,568 0 0
VANGUARD ETF-EQUITY 922908736 180 808 SH   SOLE   665 0 143
VANGUARD ETF-EQUITY 922908736 289 1,295 SH   OTR   1,295 0 0
VANGUARD ETF-EQUITY 922908744 167 1,263 SH   SOLE   1,263 0 0
VANGUARD ETF-EQUITY 922908744 374 2,835 SH   OTR   2,835 0 0
VANGUARD ETF-EQUITY 922908751 1,998 11,343 SH   SOLE   10,616 0 727
VANGUARD ETF-EQUITY 922908751 18 103 SH   DFND   103 0 0
VANGUARD ETF-EQUITY 922908751 788 4,473 SH   OTR   4,473 0 0
VERIZON COMMUNICATIONS INC COMMON STOCK 92343V104 610 12,011 SH   SOLE   10,680 0 1,331
VERIZON COMMUNICATIONS INC COMMON STOCK 92343V104 116 2,283 SH   OTR   1,039 0 1,244
VISA INC COMMON STOCK 92826C839 761 3,863 SH   SOLE   3,863 0 0
VISA INC COMMON STOCK 92826C839 39 200 SH   DFND   200 0 0
VISA INC COMMON STOCK 92826C839 170 864 SH   OTR   864 0 0
WALMART INC COMMON STOCK 931142103 213 1,749 SH   SOLE   1,749 0 0
WALMART INC COMMON STOCK 931142103 139 1,145 SH   OTR   270 0 875
WELLS FARGO & CO COMMON STOCK 949746101 304 7,757 SH   SOLE   6,627 0 1,130
WELLS FARGO & CO COMMON STOCK 949746101 40 1,020 SH   OTR   630 0 390
EATON CORP PLC FOREIGN STOCK G29183103 263 2,088 SH   SOLE   1,633 0 455
EATON CORP PLC FOREIGN STOCK G29183103 32 255 SH   OTR   255 0 0
MEDTRONIC PLC FOREIGN STOCK G5960L103 178 1,982 SH   SOLE   1,982 0 0
MEDTRONIC PLC FOREIGN STOCK G5960L103 107 1,188 SH   OTR   660 0 528