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<infoTable>
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<infoTable>
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<infoTable>
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<infoTable>
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<infoTable>
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<infoTable>
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<infoTable>
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<infoTable>
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<infoTable>
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<infoTable>
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<infoTable>
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<infoTable>
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    <sshPrnamt>879</sshPrnamt>
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<infoTable>
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<infoTable>
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<infoTable>
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<infoTable>
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<infoTable>
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<infoTable>
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<infoTable>
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<infoTable>
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<infoTable>
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<infoTable>
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<infoTable>
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  <titleOfClass>com</titleOfClass>
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<infoTable>
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<infoTable>
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<infoTable>
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<infoTable>
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<infoTable>
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<infoTable>
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<infoTable>
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<infoTable>
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<infoTable>
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<infoTable>
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    <None>0</None>
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</infoTable>
<infoTable>
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<infoTable>
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<infoTable>
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<infoTable>
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  <votingAuthority>
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</infoTable>
<infoTable>
  <nameOfIssuer>ISHARES GLOBAL ENERGY ETF</nameOfIssuer>
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</infoTable>
<infoTable>
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  <cusip>464286509</cusip>
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<infoTable>
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  <cusip>464287465</cusip>
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</infoTable>
<infoTable>
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  <cusip>464288885</cusip>
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</infoTable>
<infoTable>
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</infoTable>
<infoTable>
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<infoTable>
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</infoTable>
<infoTable>
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  <cusip>46434v423</cusip>
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</infoTable>
<infoTable>
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  <votingAuthority>
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</infoTable>
<infoTable>
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  <cusip>464286624</cusip>
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    <sshPrnamt>2237</sshPrnamt>
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</infoTable>
<infoTable>
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  <cusip>464287556</cusip>
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  <votingAuthority>
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</infoTable>
<infoTable>
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  <cusip>464287622</cusip>
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  <votingAuthority>
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</infoTable>
<infoTable>
  <nameOfIssuer>ISHARES RUSSELL 1000 ETF</nameOfIssuer>
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</infoTable>
<infoTable>
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  <cusip>464287655</cusip>
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  <votingAuthority>
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</infoTable>
<infoTable>
  <nameOfIssuer>ISHARES RUSSELL 2000 VALUE</nameOfIssuer>
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  <votingAuthority>
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<infoTable>
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<infoTable>
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</infoTable>
<infoTable>
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<infoTable>
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</infoTable>
<infoTable>
  <nameOfIssuer>JABIL INC</nameOfIssuer>
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<infoTable>
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<infoTable>
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</infoTable>
<infoTable>
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<infoTable>
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</infoTable>
<infoTable>
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<infoTable>
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</infoTable>
<infoTable>
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</infoTable>
<infoTable>
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<infoTable>
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</infoTable>
<infoTable>
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  <shrsOrPrnAmt>
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<infoTable>
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<infoTable>
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<infoTable>
  <nameOfIssuer>KRANESHARES MSCI CHINA CLEAN T</nameOfIssuer>
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<infoTable>
  <nameOfIssuer>KRANESHARES TR BOSERA MSCI CHI</nameOfIssuer>
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<infoTable>
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  <value>1191</value>
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    <sshPrnamt>87895</sshPrnamt>
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<infoTable>
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<infoTable>
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  <value>33978</value>
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    <sshPrnamt>110206</sshPrnamt>
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<infoTable>
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<infoTable>
  <nameOfIssuer>MR COOPER GROUP INC</nameOfIssuer>
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<infoTable>
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    <sshPrnamt>465</sshPrnamt>
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<infoTable>
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  <value>250</value>
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<infoTable>
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  <value>115</value>
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    <sshPrnamt>10022</sshPrnamt>
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    <None>0</None>
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<infoTable>
  <nameOfIssuer>NELNET INC-CL A</nameOfIssuer>
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  <value>1986</value>
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    <sshPrnamt>23364</sshPrnamt>
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    <None>0</None>
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<infoTable>
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  <value>2372</value>
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    <sshPrnamt>18235</sshPrnamt>
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    <Sole>18235</Sole>
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    <None>0</None>
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<infoTable>
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  <titleOfClass>com</titleOfClass>
  <cusip>64110l106</cusip>
  <value>76</value>
  <shrsOrPrnAmt>
    <sshPrnamt>204</sshPrnamt>
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    <None>0</None>
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<infoTable>
  <nameOfIssuer>NEWMONT MINING CORP</nameOfIssuer>
  <titleOfClass>com</titleOfClass>
  <cusip>651639106</cusip>
  <value>1038</value>
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    <sshPrnamt>13065</sshPrnamt>
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<infoTable>
  <nameOfIssuer>NEXTERA ENERGY INCORPORATED</nameOfIssuer>
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<infoTable>
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    <sshPrnamt>21</sshPrnamt>
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<infoTable>
  <nameOfIssuer>NORDEA BANK ABP - SPON ADR</nameOfIssuer>
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    <sshPrnamt>3361</sshPrnamt>
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<infoTable>
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  <cusip>666807102</cusip>
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<infoTable>
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<infoTable>
  <nameOfIssuer>NUVEEN ESG LARGE-CAP GROWTH</nameOfIssuer>
  <titleOfClass>com</titleOfClass>
  <cusip>67092p201</cusip>
  <value>2230</value>
  <shrsOrPrnAmt>
    <sshPrnamt>36713</sshPrnamt>
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<infoTable>
  <nameOfIssuer>NUVEEN ESG LARGE-CAP GROWTH</nameOfIssuer>
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  <value>67</value>
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<infoTable>
  <nameOfIssuer>NVIDIA CORP</nameOfIssuer>
  <titleOfClass>com</titleOfClass>
  <cusip>67066g104</cusip>
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<infoTable>
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<infoTable>
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  <titleOfClass>com</titleOfClass>
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  <titleOfClass>com</titleOfClass>
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<infoTable>
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  <cusip>679580100</cusip>
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<infoTable>
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  <value>31</value>
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<infoTable>
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  <titleOfClass>com</titleOfClass>
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<infoTable>
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  <titleOfClass>com</titleOfClass>
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<infoTable>
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<infoTable>
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<infoTable>
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<infoTable>
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  <cusip>703343103</cusip>
  <value>622</value>
  <shrsOrPrnAmt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
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<infoTable>
  <nameOfIssuer>PAYPAL HOLDINGS INC</nameOfIssuer>
  <titleOfClass>com</titleOfClass>
  <cusip>70450y103</cusip>
  <value>274</value>
  <shrsOrPrnAmt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
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</infoTable>
<infoTable>
  <nameOfIssuer>PC CONNECTION INC</nameOfIssuer>
  <titleOfClass>com</titleOfClass>
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  <value>1362</value>
  <shrsOrPrnAmt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
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</infoTable>
<infoTable>
  <nameOfIssuer>PDC ENERGY INC</nameOfIssuer>
  <titleOfClass>com</titleOfClass>
  <cusip>69327r101</cusip>
  <value>495</value>
  <shrsOrPrnAmt>
    <sshPrnamt>6817</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
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</infoTable>
<infoTable>
  <nameOfIssuer>PEOPLES BANCORP NC</nameOfIssuer>
  <titleOfClass>com</titleOfClass>
  <cusip>710577107</cusip>
  <value>60</value>
  <shrsOrPrnAmt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
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    <Sole>2093</Sole>
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</infoTable>
<infoTable>
  <nameOfIssuer>PEPSICO INC</nameOfIssuer>
  <titleOfClass>com</titleOfClass>
  <cusip>713448108</cusip>
  <value>1</value>
  <shrsOrPrnAmt>
    <sshPrnamt>7</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
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    <Sole>7</Sole>
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</infoTable>
<infoTable>
  <nameOfIssuer>PETMED EXPRESS INC</nameOfIssuer>
  <titleOfClass>com</titleOfClass>
  <cusip>716382106</cusip>
  <value>600</value>
  <shrsOrPrnAmt>
    <sshPrnamt>23259</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>23259</Sole>
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    <None>0</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>PFIZER INC</nameOfIssuer>
  <titleOfClass>com</titleOfClass>
  <cusip>717081103</cusip>
  <value>2513</value>
  <shrsOrPrnAmt>
    <sshPrnamt>48549</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
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</infoTable>
<infoTable>
  <nameOfIssuer>PFIZER INC</nameOfIssuer>
  <titleOfClass>com</titleOfClass>
  <cusip>717081103</cusip>
  <value>74</value>
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  <investmentDiscretion>OTR</investmentDiscretion>
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<infoTable>
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  <titleOfClass>com</titleOfClass>
  <cusip>718172109</cusip>
  <value>50</value>
  <shrsOrPrnAmt>
    <sshPrnamt>536</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
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<infoTable>
  <nameOfIssuer>ISHARES BARCLAYS 20 PLUS YEAR </nameOfIssuer>
  <titleOfClass>com</titleOfClass>
  <cusip>464287432</cusip>
  <value>975</value>
  <shrsOrPrnAmt>
    <sshPrnamt>7379</sshPrnamt>
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  <investmentDiscretion>OTR</investmentDiscretion>
  <votingAuthority>
    <Sole>7379</Sole>
    <Shared>0</Shared>
    <None>0</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>ISHARES BARCLAYS 3-7 YEAR TREA</nameOfIssuer>
  <titleOfClass>com</titleOfClass>
  <cusip>464288661</cusip>
  <value>8481</value>
  <shrsOrPrnAmt>
    <sshPrnamt>69489</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>69414</Sole>
    <Shared>0</Shared>
    <None>75</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>ISHARES BARCLAYS 3-7 YEAR TREA</nameOfIssuer>
  <titleOfClass>com</titleOfClass>
  <cusip>464288661</cusip>
  <value>168</value>
  <shrsOrPrnAmt>
    <sshPrnamt>1380</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
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  <investmentDiscretion>OTR</investmentDiscretion>
  <votingAuthority>
    <Sole>1380</Sole>
    <Shared>0</Shared>
    <None>0</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>ISHARES BARCLAYS 7-10 YEAR TRE</nameOfIssuer>
  <titleOfClass>com</titleOfClass>
  <cusip>464287440</cusip>
  <value>3514</value>
  <shrsOrPrnAmt>
    <sshPrnamt>32698</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>32698</Sole>
    <Shared>0</Shared>
    <None>0</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>ISHARES BARCLAYS 7-10 YEAR TRE</nameOfIssuer>
  <titleOfClass>com</titleOfClass>
  <cusip>464287440</cusip>
  <value>56</value>
  <shrsOrPrnAmt>
    <sshPrnamt>525</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
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  <investmentDiscretion>OTR</investmentDiscretion>
  <votingAuthority>
    <Sole>525</Sole>
    <Shared>0</Shared>
    <None>0</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>ISHARES BARCLAYS MBS BOND FUND</nameOfIssuer>
  <titleOfClass>com</titleOfClass>
  <cusip>464288588</cusip>
  <value>2453</value>
  <shrsOrPrnAmt>
    <sshPrnamt>24082</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>24082</Sole>
    <Shared>0</Shared>
    <None>0</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>ISHARES BARCLAYS TIPS BOND FUN</nameOfIssuer>
  <titleOfClass>com</titleOfClass>
  <cusip>464287176</cusip>
  <value>14397</value>
  <shrsOrPrnAmt>
    <sshPrnamt>115575</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>115415</Sole>
    <Shared>0</Shared>
    <None>160</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>ISHARES BARCLAYS TIPS BOND FUN</nameOfIssuer>
  <titleOfClass>com</titleOfClass>
  <cusip>464287176</cusip>
  <value>149</value>
  <shrsOrPrnAmt>
    <sshPrnamt>1200</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
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  <investmentDiscretion>OTR</investmentDiscretion>
  <votingAuthority>
    <Sole>1200</Sole>
    <Shared>0</Shared>
    <None>0</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>ISHARES BROAD USD INV GRADE CO</nameOfIssuer>
  <titleOfClass>com</titleOfClass>
  <cusip>464288620</cusip>
  <value>299</value>
  <shrsOrPrnAmt>
    <sshPrnamt>5440</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>5440</Sole>
    <Shared>0</Shared>
    <None>0</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>ISHARES CMBS ETF</nameOfIssuer>
  <titleOfClass>com</titleOfClass>
  <cusip>46429b366</cusip>
  <value>0</value>
  <shrsOrPrnAmt>
    <sshPrnamt>8</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>8</Sole>
    <Shared>0</Shared>
    <None>0</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>ISHARES CONVERTIBLE BOND ETF</nameOfIssuer>
  <titleOfClass>com</titleOfClass>
  <cusip>46435g102</cusip>
  <value>4619</value>
  <shrsOrPrnAmt>
    <sshPrnamt>55439</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>55439</Sole>
    <Shared>0</Shared>
    <None>0</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>ISHARES CORE US AGGRGT BOND ET</nameOfIssuer>
  <titleOfClass>com</titleOfClass>
  <cusip>464287226</cusip>
  <value>2687</value>
  <shrsOrPrnAmt>
    <sshPrnamt>25089</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>25089</Sole>
    <Shared>0</Shared>
    <None>0</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>ISHARES FLOATING RATE BOND ETF</nameOfIssuer>
  <titleOfClass>com</titleOfClass>
  <cusip>46429b655</cusip>
  <value>17656</value>
  <shrsOrPrnAmt>
    <sshPrnamt>349495</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>348775</Sole>
    <Shared>0</Shared>
    <None>720</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>ISHARES IBOXX INV GR CORP BD</nameOfIssuer>
  <titleOfClass>com</titleOfClass>
  <cusip>464287242</cusip>
  <value>1066</value>
  <shrsOrPrnAmt>
    <sshPrnamt>8817</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>8737</Sole>
    <Shared>0</Shared>
    <None>80</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>ISHARES IBOXX INV GR CORP BD</nameOfIssuer>
  <titleOfClass>com</titleOfClass>
  <cusip>464287242</cusip>
  <value>8</value>
  <shrsOrPrnAmt>
    <sshPrnamt>65</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
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  <investmentDiscretion>OTR</investmentDiscretion>
  <votingAuthority>
    <Sole>65</Sole>
    <Shared>0</Shared>
    <None>0</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>ISHARES INTERMEDIATE-TERM CORP</nameOfIssuer>
  <titleOfClass>com</titleOfClass>
  <cusip>464288638</cusip>
  <value>12052</value>
  <shrsOrPrnAmt>
    <sshPrnamt>219648</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>219238</Sole>
    <Shared>0</Shared>
    <None>410</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>ISHARES INTERMEDIATE-TERM CORP</nameOfIssuer>
  <titleOfClass>com</titleOfClass>
  <cusip>464288638</cusip>
  <value>151</value>
  <shrsOrPrnAmt>
    <sshPrnamt>2750</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
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  <investmentDiscretion>OTR</investmentDiscretion>
  <votingAuthority>
    <Sole>2750</Sole>
    <Shared>0</Shared>
    <None>0</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>ISHARES INTERMEDIATE GOV/CREDI</nameOfIssuer>
  <titleOfClass>com</titleOfClass>
  <cusip>464288612</cusip>
  <value>610</value>
  <shrsOrPrnAmt>
    <sshPrnamt>5625</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>5625</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ISHARES LONG-TERM CORP BOND ET</nameOfIssuer>
  <titleOfClass>com</titleOfClass>
  <cusip>464289511</cusip>
  <value>2</value>
  <shrsOrPrnAmt>
    <sshPrnamt>25</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>25</Sole>
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    <None>0</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>ISHARES NATIONL MUNI BOND ETF</nameOfIssuer>
  <titleOfClass>com</titleOfClass>
  <cusip>464288414</cusip>
  <value>3864</value>
  <shrsOrPrnAmt>
    <sshPrnamt>35242</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>35242</Sole>
    <Shared>0</Shared>
    <None>0</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>ISHARES SHOR TERM NATL MUNI BO</nameOfIssuer>
  <titleOfClass>com</titleOfClass>
  <cusip>464288158</cusip>
  <value>5257</value>
  <shrsOrPrnAmt>
    <sshPrnamt>50258</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>50258</Sole>
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    <None>0</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>ISHARES SHORT-TERM CORPORATE B</nameOfIssuer>
  <titleOfClass>com</titleOfClass>
  <cusip>464288646</cusip>
  <value>21994</value>
  <shrsOrPrnAmt>
    <sshPrnamt>425256</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>423681</Sole>
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    <None>1575</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>ISHARES SHORT-TERM CORPORATE B</nameOfIssuer>
  <titleOfClass>com</titleOfClass>
  <cusip>464288646</cusip>
  <value>16</value>
  <shrsOrPrnAmt>
    <sshPrnamt>300</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
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  <investmentDiscretion>OTR</investmentDiscretion>
  <votingAuthority>
    <Sole>300</Sole>
    <Shared>0</Shared>
    <None>0</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>ISHARES SHORT TREASURY BOND ET</nameOfIssuer>
  <titleOfClass>com</titleOfClass>
  <cusip>464288679</cusip>
  <value>3837</value>
  <shrsOrPrnAmt>
    <sshPrnamt>34799</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>34799</Sole>
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    <None>0</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>ISHARES SHORT TREASURY BOND ET</nameOfIssuer>
  <titleOfClass>com</titleOfClass>
  <cusip>464288679</cusip>
  <value>30</value>
  <shrsOrPrnAmt>
    <sshPrnamt>275</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
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  <investmentDiscretion>OTR</investmentDiscretion>
  <votingAuthority>
    <Sole>275</Sole>
    <Shared>0</Shared>
    <None>0</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>ISHARES TREASURY FLOATING RATE</nameOfIssuer>
  <titleOfClass>com</titleOfClass>
  <cusip>46434v860</cusip>
  <value>14</value>
  <shrsOrPrnAmt>
    <sshPrnamt>273</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>273</Sole>
    <Shared>0</Shared>
    <None>0</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>JANUS HENDERSON MORTGAGE BACKE</nameOfIssuer>
  <titleOfClass>com</titleOfClass>
  <cusip>47103u852</cusip>
  <value>3</value>
  <shrsOrPrnAmt>
    <sshPrnamt>51</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>51</Sole>
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    <None>0</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>NUVEEN CALIFORNIA MUNICI</nameOfIssuer>
  <titleOfClass>com</titleOfClass>
  <cusip>67062c107</cusip>
  <value>75</value>
  <shrsOrPrnAmt>
    <sshPrnamt>8230</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>8230</Sole>
    <Shared>0</Shared>
    <None>0</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>NUVEEN INSRD VIRGNIA PRE</nameOfIssuer>
  <titleOfClass>com</titleOfClass>
  <cusip>67064r102</cusip>
  <value>115</value>
  <shrsOrPrnAmt>
    <sshPrnamt>8100</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>8100</Sole>
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    <None>0</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>NUVEEN MUNICIPAL VALUE C</nameOfIssuer>
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  <cusip>670928100</cusip>
  <value>739</value>
  <shrsOrPrnAmt>
    <sshPrnamt>77178</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>77178</Sole>
    <Shared>0</Shared>
    <None>0</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>NUVEEN OHIO QUALITY INC MUNI</nameOfIssuer>
  <titleOfClass>com</titleOfClass>
  <cusip>670980101</cusip>
  <value>191</value>
  <shrsOrPrnAmt>
    <sshPrnamt>13745</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>13745</Sole>
    <Shared>0</Shared>
    <None>0</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>NUVEEN PFD &amp; INC OPPORTUNITIES</nameOfIssuer>
  <titleOfClass>com</titleOfClass>
  <cusip>67073b106</cusip>
  <value>60</value>
  <shrsOrPrnAmt>
    <sshPrnamt>7000</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>7000</Sole>
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    <None>0</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>NUVEEN SELECT MATURITY M</nameOfIssuer>
  <titleOfClass>com</titleOfClass>
  <cusip>67061t101</cusip>
  <value>690</value>
  <shrsOrPrnAmt>
    <sshPrnamt>72009</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>72009</Sole>
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    <None>0</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>PIMCO INTERMEDICATE MUNICIPAL</nameOfIssuer>
  <titleOfClass>com</titleOfClass>
  <cusip>72201r866</cusip>
  <value>7</value>
  <shrsOrPrnAmt>
    <sshPrnamt>133</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>133</Sole>
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    <None>0</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>SPDR BLACKSTONE SENIOR LOAN ET</nameOfIssuer>
  <titleOfClass>com</titleOfClass>
  <cusip>78467v608</cusip>
  <value>2047</value>
  <shrsOrPrnAmt>
    <sshPrnamt>45525</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>45525</Sole>
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    <None>0</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>SPDR BLOOMBERG CONVERTIBLE SEC</nameOfIssuer>
  <titleOfClass>com</titleOfClass>
  <cusip>78464a359</cusip>
  <value>9033</value>
  <shrsOrPrnAmt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>117393</Sole>
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    <None>0</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>SPDR BLOOMBERG CONVERTIBLE SEC</nameOfIssuer>
  <titleOfClass>com</titleOfClass>
  <cusip>78464a359</cusip>
  <value>231</value>
  <shrsOrPrnAmt>
    <sshPrnamt>3000</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
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  <investmentDiscretion>OTR</investmentDiscretion>
  <votingAuthority>
    <Sole>3000</Sole>
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    <None>0</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>SPDR NUVEEN BARCLAYS SHORT MUN</nameOfIssuer>
  <titleOfClass>com</titleOfClass>
  <cusip>78468r739</cusip>
  <value>3591</value>
  <shrsOrPrnAmt>
    <sshPrnamt>75865</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>75865</Sole>
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    <None>0</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>SPDR NUVEEN BARCLAYS SHORT MUN</nameOfIssuer>
  <titleOfClass>com</titleOfClass>
  <cusip>78468r739</cusip>
  <value>2441</value>
  <shrsOrPrnAmt>
    <sshPrnamt>51566</sshPrnamt>
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  <investmentDiscretion>OTR</investmentDiscretion>
  <votingAuthority>
    <Sole>51566</Sole>
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    <None>0</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>SPDR PORT SHRT TRM CORP BND</nameOfIssuer>
  <titleOfClass>com</titleOfClass>
  <cusip>78464a474</cusip>
  <value>3364</value>
  <shrsOrPrnAmt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
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