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 Com 00206R102   919,314 61,206 SH   SOLE 0 59,166 435 1,605
AT&T Inc Com 00206R102   722,402 48,096 SH   OTR 0 42,784 400 4,912
Abbott Labs Com 002824100   7,631,102 78,793 SH   SOLE 0 77,418 0 1,375
Abbott Labs Com 002824100   3,626,742 37,447 SH   OTR 0 35,936 576 935
Abbvie Inc Com 00287Y109   5,934,824 39,815 SH   SOLE 0 39,465 0 350
Abbvie Inc Com 00287Y109   3,749,008 25,151 SH   OTR 0 23,626 295 1,230
Activision Blizzard, Inc Com 00507V109   800,443 8,549 SH   SOLE 0 8,549 0 0
Activision Blizzard, Inc Com 00507V109   597,828 6,385 SH   OTR 0 6,385 0 0
Adobe Inc Com 00724F101   1,346,136 2,640 SH   SOLE 0 2,640 0 0
Adobe Inc Com 00724F101   649,103 1,273 SH   OTR 0 1,241 0 32
Air Products & Chemicals Inc Com 009158106   3,492,905 12,325 SH   SOLE 0 12,205 0 120
Air Products & Chemicals Inc Com 009158106   659,188 2,326 SH   OTR 0 2,326 0 0
Alphabet Inc Cl C Com 02079K107   8,048,749 61,045 SH   SOLE 0 58,982 0 2,063
Alphabet Inc Cl C Com 02079K107   12,458,375 94,489 SH   OTR 0 91,889 0 2,600
Alphabet Inc Cl A Com 02079K305   12,779,002 97,654 SH   SOLE 0 96,060 0 1,594
Alphabet Inc Cl A Com 02079K305   19,881,429 151,929 SH   OTR 0 149,629 0 2,300
Altria Group Inc Com 02209S103   870,393 20,699 SH   SOLE 0 19,924 0 775
Altria Group Inc Com 02209S103   1,358,930 32,317 SH   OTR 0 31,617 0 700
Amazon.Com Inc Com 023135106   6,787,318 53,393 SH   SOLE 0 52,737 0 656
Amazon.Com Inc Com 023135106   10,647,825 83,762 SH   OTR 0 83,062 0 700
American Express CO Com 025816109   2,458,054 16,476 SH   SOLE 0 16,326 0 150
American Express CO Com 025816109   404,454 2,711 SH   OTR 0 2,425 0 286
American Tower Corp REIT Com 03027X100   149,978 912 SH   SOLE 0 912 0 0
American Tower Corp REIT Com 03027X100   73,180 445 SH   OTR 0 445 0 0
American Water Works CO Inc Com 030420103   978,009 7,898 SH   SOLE 0 7,898 0 0
American Water Works CO Inc Com 030420103   656,918 5,305 SH   OTR 0 3,775 100 1,430
Amgen Inc Com 031162100   759,784 2,827 SH   SOLE 0 2,827 0 0
Amgen Inc Com 031162100   389,702 1,450 SH   OTR 0 1,450 0 0
Amplify CWP Enhanced Dividend Com 032108409   613,540 17,666 SH   SOLE 0 17,666 0 0
Amplify CWP Enhanced Dividend Com 032108409   173,650 5,000 SH   OTR 0 5,000 0 0
APA Corporation Com 03743Q108   350,378 8,525 SH   SOLE 0 8,525 0 0
APA Corporation Com 03743Q108   32,880 800 SH   OTR 0 800 0 0
Apple Inc Com 037833100   36,869,655 215,348 SH   SOLE 0 202,458 287 12,603
Apple Inc Com 037833100   18,760,165 109,574 SH   OTR 0 102,278 1,961 5,335
Arrow Finl Corp Com 042744102   107,498 6,316 SH   SOLE 0 0 0 6,316
Arrow Finl Corp Com 042744102   92,982 5,463 SH   OTR 0 5,463 0 0
Autoliv Inc Com 052800109   905,754 9,388 SH   SOLE 0 8,344 0 1,044
Autoliv Inc Com 052800109   1,036,774 10,746 SH   OTR 0 10,746 0 0
Automatic Data Processing Inc Com 053015103   9,577,009 39,808 SH   SOLE 0 39,095 0 713
Automatic Data Processing Inc Com 053015103   1,928,248 8,015 SH   OTR 0 7,415 120 480
BP PLC Spons ADR Com 055622104   137,998 3,564 SH   SOLE 0 3,564 0 0
BP PLC Spons ADR Com 055622104   258,069 6,665 SH   OTR 0 6,665 0 0
Bank of America Corp Com 060505104   1,182,597 43,192 SH   SOLE 0 42,544 0 648
Bank of America Corp Com 060505104   147,031 5,370 SH   OTR 0 5,370 0 0
Bank Montreal Quebec Com 063671101   241,889 2,867 SH   SOLE 0 2,867 0 0
Bank Montreal Quebec Com 063671101   63,952 758 SH   OTR 0 758 0 0
Bank of New York Mellon Corp Com 064058100   419,463 9,835 SH   SOLE 0 9,835 0 0
Bank of New York Mellon Corp Com 064058100   21,325 500 SH   OTR 0 0 0 500
Baxter Intl Inc Com 071813109   210,250 5,571 SH   SOLE 0 5,571 0 0
Baxter Intl Inc Com 071813109   120,579 3,195 SH   OTR 0 1,095 100 2,000
Becton Dickinson Com 075887109   703,719 2,722 SH   SOLE 0 2,722 0 0
Becton Dickinson Com 075887109   58,686 227 SH   OTR 0 227 0 0
Berkshire Hathaway Inc-Cl B Com 084670702   10,647,018 30,394 SH   SOLE 0 30,024 30 340
Berkshire Hathaway Inc-Cl B Com 084670702   6,645,191 18,970 SH   OTR 0 18,932 38 0
Best Buy Company Inc Com 086516101   221,401 3,187 SH   SOLE 0 3,187 0 0
Best Buy Company Inc Com 086516101   23,203 334 SH   OTR 0 334 0 0
Boeing CO Com 097023105   1,395,622 7,281 SH   SOLE 0 7,081 0 200
Boeing CO Com 097023105   1,649,406 8,605 SH   OTR 0 8,305 150 150
Bristol Myers Squibb CO Com 110122108   3,416,060 58,857 SH   SOLE 0 55,910 660 2,287
Bristol Myers Squibb CO Com 110122108   2,335,878 40,246 SH   OTR 0 35,636 300 4,310
Broadcom Inc Com 11135F101   622,105 749 SH   SOLE 0 708 0 41
Broadcom Inc Com 11135F101   373,761 450 SH   OTR 0 450 0 0
Cigna Group Com 125523100   350,150 1,224 SH   SOLE 0 1,187 0 37
Cigna Group Com 125523100   26,032 91 SH   OTR 0 91 0 0
Csx Corp Com 126408103   251,474 8,178 SH   SOLE 0 8,178 0 0
Csx Corp Com 126408103   199,260 6,480 SH   OTR 0 6,480 0 0
CVS Health Corp Com 126650100   2,407,182 34,477 SH   SOLE 0 33,399 0 1,078
CVS Health Corp Com 126650100   1,063,568 15,233 SH   OTR 0 13,574 278 1,381
Cardinal Health Inc Com 14149Y108   150,285 1,731 SH   SOLE 0 1,731 0 0
Cardinal Health Inc Com 14149Y108   71,627 825 SH   OTR 0 825 0 0
Carrier Global Corporation Com 14448C104   2,176,978 39,438 SH   SOLE 0 38,055 100 1,283
Carrier Global Corporation Com 14448C104   1,003,426 18,178 SH   OTR 0 16,912 1,066 200
Caterpillar Inc Com 149123101   6,503,952 23,824 SH   SOLE 0 22,679 0 1,145
Caterpillar Inc Com 149123101   3,035,487 11,119 SH   OTR 0 10,789 30 300
Chevron Corporation Com 166764100   9,592,204 56,887 SH   SOLE 0 54,098 299 2,490
Chevron Corporation Com 166764100   5,932,895 35,185 SH   OTR 0 33,635 360 1,190
Chipotle Mexican Grill Inc Com 169656105   274,775 150 SH   SOLE 0 150 0 0
Chipotle Mexican Grill Inc Com 169656105   16,486 9 SH   OTR 0 9 0 0
Cisco Systems Inc Com 17275R102   7,514,795 139,784 SH   SOLE 0 134,073 0 5,711
Cisco Systems Inc Com 17275R102   2,821,056 52,475 SH   OTR 0 50,730 715 1,030
Citigroup Inc Com 172967424   185,661 4,514 SH   SOLE 0 4,514 0 0
Citigroup Inc Com 172967424   204,786 4,979 SH   OTR 0 4,829 150 0
Clorox Company Com 189054109   529,876 4,043 SH   SOLE 0 4,043 0 0
Clorox Company Com 189054109   243,772 1,860 SH   OTR 0 1,375 0 485
Coca Cola CO Com 191216100   3,248,072 58,022 SH   SOLE 0 52,347 691 4,984
Coca Cola CO Com 191216100   4,209,472 75,196 SH   OTR 0 70,241 150 4,805
Colgate Palmolive CO Com 194162103   921,088 12,953 SH   SOLE 0 11,167 336 1,450
Colgate Palmolive CO Com 194162103   263,463 3,705 SH   OTR 0 2,255 0 1,450
ComCast Corp-Cl A Com 20030N101   1,040,216 23,460 SH   SOLE 0 21,217 0 2,243
ComCast Corp-Cl A Com 20030N101   577,395 13,022 SH   OTR 0 11,039 810 1,173
Conocophillips Com 20825C104   944,024 7,880 SH   SOLE 0 7,780 100 0
Conocophillips Com 20825C104   487,586 4,070 SH   OTR 0 3,920 150 0
Corning Inc Com 219350105   305,431 10,024 SH   SOLE 0 10,024 0 0
Corning Inc Com 219350105   248,331 8,150 SH   OTR 0 5,400 900 1,850
Corteva Inc Com Com 22052L104   95,772 1,872 SH   SOLE 0 1,781 0 91
Corteva Inc Com Com 22052L104   390,555 7,634 SH   OTR 0 7,406 0 228
Costco Wholesale Corp Com 22160K105   7,908,875 13,999 SH   SOLE 0 13,805 0 194
Costco Wholesale Corp Com 22160K105   2,812,371 4,978 SH   OTR 0 4,488 0 490
DTE Energy Co Com 233331107   309,654 3,119 SH   SOLE 0 3,119 0 0
DTE Energy Co Com 233331107   20,849 210 SH   OTR 0 210 0 0
Danaher Corp Com 235851102   8,900,340 35,874 SH   SOLE 0 33,841 0 2,033
Danaher Corp Com 235851102   5,079,104 20,472 SH   OTR 0 19,295 120 1,057
Deere & CO Com 244199105   7,887,619 20,901 SH   SOLE 0 19,929 25 947
Deere & CO Com 244199105   5,835,427 15,463 SH   OTR 0 15,393 70 0
Dicks Sporting Goods Inc Com 253393102   455,634 4,196 SH   SOLE 0 3,461 0 735
Dicks Sporting Goods Inc Com 253393102   27,471 253 SH   OTR 0 253 0 0
Digital Realty Trust Inc REIT Com 253868103   219,530 1,814 SH   SOLE 0 1,814 0 0
Disney Walt CO New Com 254687106   4,659,321 57,487 SH   SOLE 0 55,755 0 1,732
Disney Walt CO New Com 254687106   1,751,652 21,612 SH   OTR 0 19,737 600 1,275
Dominion Resources Inc Com 25746U109   558,509 12,503 SH   SOLE 0 12,193 0 310
Dominion Resources Inc Com 25746U109   297,726 6,665 SH   OTR 0 4,285 80 2,300
Dow Inc Com Com 260557103   1,000,728 19,409 SH   SOLE 0 19,275 0 134
Dow Inc Com Com 260557103   1,000,212 19,399 SH   OTR 0 17,641 0 1,758
Duke Energy Corp Com 26441C204   381,725 4,325 SH   SOLE 0 4,040 285 0
Duke Energy Corp Com 26441C204   116,238 1,317 SH   OTR 0 1,217 100 0
Dupont De Nemours Inc Com 26614N102   979,740 13,135 SH   SOLE 0 13,044 0 91
Dupont De Nemours Inc Com 26614N102   943,191 12,645 SH   OTR 0 11,490 310 845
Ecolab Inc Com 278865100   1,155,308 6,820 SH   SOLE 0 6,820 0 0
Ecolab Inc Com 278865100   715,715 4,225 SH   OTR 0 3,735 40 450
Emerson Elec CO Com 291011104   1,481,963 15,346 SH   SOLE 0 15,263 0 83
Emerson Elec CO Com 291011104   346,203 3,585 SH   OTR 0 3,385 200 0
Exelon Corp Com 30161N101   170,206 4,504 SH   SOLE 0 4,504 0 0
Exelon Corp Com 30161N101   70,252 1,859 SH   OTR 0 1,509 0 350
Exxonmobil Corp Com 30231G102   12,964,842 110,264 SH   SOLE 0 106,272 648 3,344
Exxonmobil Corp Com 30231G102   7,614,246 64,758 SH   OTR 0 61,218 660 2,880
Meta Platforms Inc Com 30303M102   1,322,425 4,405 SH   SOLE 0 4,405 0 0
Meta Platforms Inc Com 30303M102   1,011,407 3,369 SH   OTR 0 3,369 0 0
Fedex Corporation Com 31428X106   215,380 813 SH   SOLE 0 813 0 0
Fiserv Inc Com 337738108   482,904 4,275 SH   SOLE 0 4,275 0 0
Fiserv Inc Com 337738108   98,727 874 SH   OTR 0 874 0 0
FlexShares Mstar Glbl Upstrm N Com 33939L407   41,834,452 1,034,482 SH   SOLE 0 1,030,586 0 3,896
FlexShares Mstar Glbl Upstrm N Com 33939L407   3,517,269 86,975 SH   OTR 0 84,085 340 2,550
Flexshares Disciplined Duratio Com 33939L779   331,267 16,790 SH   SOLE 0 16,790 0 0
FlexShares Global Quality Real Com 33939L787   599,805 12,260 SH   SOLE 0 12,260 0 0
FlexShares Global Quality Real Com 33939L787   7,583 155 SH   OTR 0 155 0 0
FlexShares STOXX Glbl Brd Infr Com 33939L795   5,494,838 113,454 SH   SOLE 0 113,454 0 0
FlexShares STOXX Glbl Brd Infr Com 33939L795   908,348 18,755 SH   OTR 0 18,515 0 240
FlexShares International Quali Com 33939L837   600,413 28,195 SH   SOLE 0 28,195 0 0
Fortive Corp Com 34959J108   1,668,155 22,494 SH   SOLE 0 22,059 0 435
Fortive Corp Com 34959J108   296,566 3,999 SH   OTR 0 3,155 50 794
Freeport-McMoran Inc Com 35671D857   320,172 8,586 SH   SOLE 0 8,586 0 0
Freeport-McMoran Inc Com 35671D857   249,545 6,692 SH   OTR 0 4,967 0 1,725
General Dynamics Corp Com 369550108   1,461,716 6,615 SH   SOLE 0 6,465 0 150
General Dynamics Corp Com 369550108   203,072 919 SH   OTR 0 919 0 0
General Electric Co New Com 369604301   652,577 5,903 SH   SOLE 0 5,549 0 354
General Electric Co New Com 369604301   282,013 2,551 SH   OTR 0 2,542 0 9
General Mls Inc Com 370334104   617,120 9,644 SH   SOLE 0 9,146 0 498
General Mls Inc Com 370334104   338,187 5,285 SH   OTR 0 4,640 100 545
Gilead Sciences Inc Com 375558103   556,130 7,421 SH   SOLE 0 7,421 0 0
Gilead Sciences Inc Com 375558103   215,453 2,875 SH   OTR 0 2,815 60 0
GSK PLC Sponsored ADR Com 37733W204   234,864 6,479 SH   SOLE 0 6,479 0 0
GSK PLC Sponsored ADR Com 37733W204   71,920 1,984 SH   OTR 0 1,384 0 600
Global X US Preferred ETF Com 37954Y657   225,720 12,000 SH   OTR 0 12,000 0 0
Goldman Sachs Group Inc Com 38141G104   1,140,584 3,525 SH   SOLE 0 3,505 20 0
Goldman Sachs Group Inc Com 38141G104   1,214,682 3,754 SH   OTR 0 3,754 0 0
Grainger W W Inc Com 384802104   2,053,381 2,968 SH   SOLE 0 2,968 0 0
Grainger W W Inc Com 384802104   947,821 1,370 SH   OTR 0 686 100 584
The Hershey Company Com 427866108   549,220 2,745 SH   SOLE 0 2,745 0 0
The Hershey Company Com 427866108   443,978 2,219 SH   OTR 0 2,219 0 0
Home Depot Inc Com 437076102   2,269,117 7,510 SH   SOLE 0 7,147 0 363
Home Depot Inc Com 437076102   2,704,635 8,951 SH   OTR 0 7,951 150 850
Honeywell International Inc Com 438516106   4,720,661 25,553 SH   SOLE 0 24,638 0 915
Honeywell International Inc Com 438516106   1,193,236 6,459 SH   OTR 0 5,390 290 779
Illinois Tool Wks Inc Com 452308109   769,005 3,339 SH   SOLE 0 3,339 0 0
Illinois Tool Wks Inc Com 452308109   143,714 624 SH   OTR 0 624 0 0
Intel Corp Com 458140100   2,722,917 76,594 SH   SOLE 0 74,091 903 1,600
Intel Corp Com 458140100   769,480 21,645 SH   OTR 0 19,080 1,440 1,125
Intercontinental Exchange Inc Com 45866F104   669,032 6,081 SH   SOLE 0 6,081 0 0
Intercontinental Exchange Inc Com 45866F104   40,157 365 SH   OTR 0 365 0 0
Intl. Business Machines Corp Com 459200101   3,687,430 26,282 SH   SOLE 0 24,099 395 1,788
Intl. Business Machines Corp Com 459200101   2,163,005 15,417 SH   OTR 0 13,834 0 1,583
Invesco SP 500 Low Volatility Com 46138E354   205,353 3,493 SH   SOLE 0 3,493 0 0
Ishares Barclays TIPS Bond ETF Com 464287176   220,094 2,122 SH   SOLE 0 2,122 0 0
Ishares Core S&P 500 ETF Com 464287200   252,505 588 SH   SOLE 0 588 0 0
Ishares Core Total U.S. Aggreg Com 464287226   429,292 4,565 SH   SOLE 0 4,565 0 0
Ishares Msci Emerging Mkt ETF Com 464287234   2,751,294 72,498 SH   SOLE 0 70,773 525 1,200
Ishares Msci Emerging Mkt ETF Com 464287234   839,788 22,129 SH   OTR 0 21,193 561 375
Ishares S&P 500 Growth ETF Com 464287309   486,808 7,115 SH   SOLE 0 7,115 0 0
Ishares S&P 500 Value ETF Com 464287408   569,516 3,702 SH   SOLE 0 3,702 0 0
Ishares Barclays 7-10 Year Tr Com 464287440   262,863 2,870 SH   SOLE 0 2,870 0 0
Ishares 1-3 Year Treasury ETF Com 464287457   1,845,306 22,790 SH   SOLE 0 22,790 0 0
Ishares Msci Eafe ETF Com 464287465   3,858,065 55,979 SH   SOLE 0 53,096 0 2,883
Ishares Msci Eafe ETF Com 464287465   1,381,777 20,049 SH   OTR 0 19,774 200 75
Ishares Core S&P Mid-Cap ETF Com 464287507   1,516,547 6,082 SH   SOLE 0 6,082 0 0
Ishares Core S&P Mid-Cap ETF Com 464287507   606,170 2,431 SH   OTR 0 2,286 0 145
Ishares Nasdaq Biotech ETF Com 464287556   2,391,663 19,557 SH   SOLE 0 18,765 96 696
Ishares Nasdaq Biotech ETF Com 464287556   1,398,386 11,435 SH   OTR 0 9,348 540 1,547
Ishares Tr Rus 1000 Val ETF Com 464287598   208,753 1,375 SH   SOLE 0 1,375 0 0
Ishares S&P Midcap 400/Grwth E Com 464287606   274,945 3,806 SH   SOLE 0 3,806 0 0
Ishares Russell 1000 Growth ET Com 464287614   290,461 1,092 SH   SOLE 0 1,092 0 0
IShares Russell 1000 ETF Com 464287622   219,641 935 SH   SOLE 0 935 0 0
Ishares Russell 2000 Value ETF Com 464287630   300,514 2,217 SH   SOLE 0 2,217 0 0
Ishares Russell 2000 Value ETF Com 464287630   22,366 165 SH   OTR 0 0 165 0
Ishares Russell 2000 ETF Com 464287655   4,895,004 27,697 SH   SOLE 0 26,015 0 1,682
Ishares Russell 2000 ETF Com 464287655   731,792 4,141 SH   OTR 0 4,006 100 35
Ishares DJ US Telcom Sector ET Com 464287713   566,900 26,615 SH   SOLE 0 26,615 0 0
Ishares DJ US Telcom Sector ET Com 464287713   430,814 20,226 SH   OTR 0 20,026 200 0
Ishares Core S&P Small-Cap ETF Com 464287804   441,370 4,679 SH   SOLE 0 4,679 0 0
Ishares Msci Eafe Small Cap ET Com 464288273   2,391,392 42,348 SH   SOLE 0 42,338 0 10
Ishares Msci Eafe Small Cap ET Com 464288273   453,454 8,030 SH   OTR 0 8,030 0 0
Ishares New York Muni Bond ETF Com 464288323   3,469,275 67,985 SH   SOLE 0 64,245 0 3,740
Ishares New York Muni Bond ETF Com 464288323   1,100,462 21,565 SH   OTR 0 18,190 0 3,375
Ishares IBoxx High Yield Corpo Com 464288513   1,893,572 25,686 SH   SOLE 0 25,686 0 0
Ishares IBoxx High Yield Corpo Com 464288513   148,177 2,010 SH   OTR 0 2,010 0 0
Ishares Barclays Mbs Bond ETF Com 464288588   709,956 7,995 SH   SOLE 0 7,995 0 0
iShares Tr Intrm Gov Cr ETF Com 464288612   846,815 8,357 SH   SOLE 0 8,357 0 0
iShares TR 1-5 Yr Inv Gr Corp Com 464288646   13,723,132 275,399 SH   SOLE 0 266,320 0 9,079
Ishares 3-7 Year Treasury Bond Com 464288661   1,044,467 9,230 SH   SOLE 0 9,230 0 0
Ishares S&P Pref Stk ETF Com 464288687   1,912,023 63,417 SH   SOLE 0 63,417 0 0
Ishares S&P Pref Stk ETF Com 464288687   317,027 10,515 SH   OTR 0 7,335 0 3,180
iShares MSCI USA ESG Select ET Com 464288802   514,089 5,714 SH   SOLE 0 5,714 0 0
Ishares MSCI EAFE Growth ETF Com 464288885   17,601,860 203,961 SH   SOLE 0 202,093 0 1,868
Ishares MSCI EAFE Growth ETF Com 464288885   3,318,641 38,455 SH   OTR 0 38,375 0 80
IShares Russell Top 200 Growth Com 464289438   266,126 1,730 SH   SOLE 0 1,730 0 0
Ishares Tr 10 Yr Invst Grd Com 464289511   444,766 9,435 SH   SOLE 0 9,435 0 0
Ishares Aaa-A Rated Corp Bond Com 46429B291   212,552 4,715 SH   SOLE 0 4,715 0 0
iShares Core High Dividend ETF Com 46429B663   887,637 8,976 SH   SOLE 0 8,976 0 0
IShares 0-5 Yr TIPs ETF Com 46429B747   5,032,571 51,925 SH   SOLE 0 51,925 0 0
IShares 0-5 Yr TIPs ETF Com 46429B747   1,063,794 10,976 SH   OTR 0 10,365 0 611
Ishares Core Msci Eafe ETF Com 46432F842   6,910,032 107,382 SH   SOLE 0 107,332 0 50
Ishares Core Msci Eafe ETF Com 46432F842   1,334,941 20,745 SH   OTR 0 20,745 0 0
Ishares Core Emerging Markets Com 46434G103   2,535,072 53,269 SH   SOLE 0 53,269 0 0
Ishares Core Emerging Markets Com 46434G103   769,388 16,167 SH   OTR 0 16,167 0 0
IShares Core Intnl Agg Bond ET Com 46435G672   590,336 12,102 SH   SOLE 0 12,102 0 0
IShares Core Intnl Agg Bond ET Com 46435G672   60,487 1,240 SH   OTR 0 1,240 0 0
JP Morgan Chase & CO Com 46625H100   13,809,613 95,226 SH   SOLE 0 92,723 112 2,391
JP Morgan Chase & CO Com 46625H100   7,013,167 48,360 SH   OTR 0 43,210 571 4,579
JPMorgan Municipal ETF Com 46641Q647   1,276,242 26,385 SH   SOLE 0 26,385 0 0
JPMorgan Municipal ETF Com 46641Q647   384,300 7,945 SH   OTR 0 7,945 0 0
JPMorgan Ultra-Short Income ET Com 46641Q837   280,506 5,590 SH   SOLE 0 5,590 0 0
JPMorgan Ultra-Short Income ET Com 46641Q837   261,639 5,214 SH   OTR 0 5,214 0 0
Jacobs Solutions Inc Com 46982L108   420,421 3,080 SH   OTR 0 1,180 0 1,900
Johnson & Johnson Com 478160104   12,644,669 81,186 SH   SOLE 0 75,456 150 5,580
Johnson & Johnson Com 478160104   5,221,052 33,522 SH   OTR 0 29,944 260 3,318
Kimberly Clark Corp Com 494368103   680,265 5,629 SH   SOLE 0 5,629 0 0
Kimberly Clark Corp Com 494368103   132,935 1,100 SH   OTR 0 1,100 0 0
Kraft Heinz CO Com 500754106   176,408 5,244 SH   SOLE 0 5,244 0 0
Kraft Heinz CO Com 500754106   238,205 7,081 SH   OTR 0 7,081 0 0
Lilly Eli & CO Com 532457108   1,534,043 2,856 SH   SOLE 0 2,328 0 528
Lilly Eli & CO Com 532457108   3,362,434 6,260 SH   OTR 0 5,210 25 1,025
Lockheed Martin Corp Com 539830109   3,489,385 8,532 SH   SOLE 0 7,981 0 551
Lockheed Martin Corp Com 539830109   699,322 1,710 SH   OTR 0 1,710 0 0
Lowes Cos Inc Com 548661107   11,547,175 55,558 SH   SOLE 0 54,874 25 659
Lowes Cos Inc Com 548661107   4,699,263 22,610 SH   OTR 0 21,686 315 609
Marsh & McLennan Companies Inc Com 571748102   4,985,099 26,196 SH   SOLE 0 25,749 0 447
Marsh & McLennan Companies Inc Com 571748102   1,156,073 6,075 SH   OTR 0 6,075 0 0
Marriott International Inc Com 571903202   600,491 3,055 SH   SOLE 0 3,055 0 0
Mastercard Inc Cl A Com 57636Q104   1,378,163 3,481 SH   SOLE 0 3,481 0 0
Mastercard Inc Cl A Com 57636Q104   1,414,191 3,572 SH   OTR 0 3,550 0 22
McDonalds Corp Com 580135101   11,312,377 42,941 SH   SOLE 0 42,402 75 464
McDonalds Corp Com 580135101   4,314,620 16,378 SH   OTR 0 15,565 238 575
Merck & CO Inc Com 58933Y105   7,149,363 69,445 SH   SOLE 0 67,533 620 1,292
Merck & CO Inc Com 58933Y105   3,582,557 34,799 SH   OTR 0 33,683 291 825
Metlife Inc Com 59156R108   402,247 6,394 SH   SOLE 0 6,394 0 0
Metlife Inc Com 59156R108   101,348 1,611 SH   OTR 0 1,300 111 200
Microsoft Corp Com 594918104   33,398,772 105,776 SH   SOLE 0 102,024 165 3,587
Microsoft Corp Com 594918104   30,804,570 97,560 SH   OTR 0 95,633 591 1,336
Microchip Technology Inc Com 595017104   2,675,476 34,279 SH   SOLE 0 34,279 0 0
Microchip Technology Inc Com 595017104   604,888 7,750 SH   OTR 0 6,700 300 750
Mondelez International Inc Com 609207105   3,927,624 56,594 SH   SOLE 0 54,981 0 1,613
Mondelez International Inc Com 609207105   1,674,344 24,126 SH   OTR 0 24,126 0 0
Morgan Stanley Com 617446448   562,870 6,892 SH   SOLE 0 6,892 0 0
NBT Bancorp Inc Com 628778102   7,503,172 236,768 SH   SOLE 0 70,473 0 166,295
NBT Bancorp Inc Com 628778102   1,407,070 44,401 SH   OTR 0 36,791 0 7,610
Netflix Inc Com 64110L106   703,091 1,862 SH   SOLE 0 1,862 0 0
Nextera Energy Inc Com 65339F101   2,704,260 47,203 SH   SOLE 0 45,403 0 1,800
Nextera Energy Inc Com 65339F101   1,835,801 32,044 SH   OTR 0 22,301 120 9,623
Nike Inc-Class B Com 654106103   4,252,987 44,478 SH   SOLE 0 44,122 0 356
Nike Inc-Class B Com 654106103   825,966 8,638 SH   OTR 0 8,638 0 0
Norfolk Southern Corp Com 655844108   826,712 4,198 SH   SOLE 0 4,198 0 0
Norfolk Southern Corp Com 655844108   554,949 2,818 SH   OTR 0 2,518 0 300
Novartis Ag Spons ADR Com 66987V109   1,804,857 17,719 SH   SOLE 0 17,419 0 300
Novartis Ag Spons ADR Com 66987V109   908,184 8,916 SH   OTR 0 8,816 100 0
Nucor Corp Com 670346105   943,729 6,036 SH   SOLE 0 6,036 0 0
Nucor Corp Com 670346105   125,080 800 SH   OTR 0 800 0 0
Nvidia Corp Com 67066G104   2,083,794 4,790 SH   SOLE 0 4,414 0 376
Nvidia Corp Com 67066G104   328,853 756 SH   OTR 0 756 0 0
O'Reilly Automotive Inc Com 67103H107   442,615 487 SH   SOLE 0 487 0 0
Oracle Corporation Com 68389X105   4,273,766 40,349 SH   SOLE 0 38,849 0 1,500
Oracle Corporation Com 68389X105   1,391,047 13,133 SH   OTR 0 10,363 70 2,700
Otis Worldwide Corp Com 68902V107   837,472 10,428 SH   SOLE 0 9,946 50 432
Otis Worldwide Corp Com 68902V107   553,497 6,892 SH   OTR 0 6,259 533 100
Palo Alto Networks Com 697435105   1,069,750 4,563 SH   SOLE 0 4,563 0 0
Palo Alto Networks Com 697435105   539,212 2,300 SH   OTR 0 2,300 0 0
Paypal Holdings Inc Com 70450Y103   116,335 1,990 SH   SOLE 0 1,330 0 660
Paypal Holdings Inc Com 70450Y103   146,735 2,510 SH   OTR 0 660 0 1,850
Pepsico Inc Com 713448108   11,154,574 65,832 SH   SOLE 0 64,735 56 1,041
Pepsico Inc Com 713448108   3,795,118 22,398 SH   OTR 0 21,264 324 810
Pfizer Inc Com 717081103   4,463,720 134,571 SH   SOLE 0 129,469 0 5,102
Pfizer Inc Com 717081103   1,752,040 52,820 SH   OTR 0 49,237 994 2,589
Philip Morris International Com 718172109   779,338 8,418 SH   SOLE 0 7,743 0 675
Philip Morris International Com 718172109   2,188,221 23,636 SH   OTR 0 23,636 0 0
T Rowe Price Group Inc Com 74144T108   2,067,932 19,719 SH   SOLE 0 19,669 50 0
T Rowe Price Group Inc Com 74144T108   1,309,197 12,484 SH   OTR 0 12,004 295 185
Procter & Gamble CO Com 742718109   11,806,492 80,944 SH   SOLE 0 75,781 331 4,832
Procter & Gamble CO Com 742718109   11,364,390 77,913 SH   OTR 0 73,633 380 3,900
Prudential Finl Inc Com 744320102   1,265,643 13,338 SH   SOLE 0 13,338 0 0
Prudential Finl Inc Com 744320102   1,168,286 12,312 SH   OTR 0 11,962 150 200
Public Service Enterprise Grou Com 744573106   86,617 1,522 SH   SOLE 0 1,522 0 0
Public Service Enterprise Grou Com 744573106   145,121 2,550 SH   OTR 0 2,550 0 0
Qualcomm Inc Com 747525103   2,755,065 24,807 SH   SOLE 0 24,382 0 425
Qualcomm Inc Com 747525103   1,289,962 11,615 SH   OTR 0 10,890 225 500
Quanta Services Incorporated Com 74762E102   966,778 5,168 SH   OTR 0 1,668 0 3,500
RTX Corporation Com 75513E101   4,076,669 56,644 SH   SOLE 0 55,264 100 1,280
RTX Corporation Com 75513E101   2,257,411 31,366 SH   OTR 0 28,925 1,186 1,255
Shell PLC Spon ADS Com 780259305   6,438 100 SH   SOLE 0 100 0 0
Shell PLC Spon ADS Com 780259305   498,945 7,750 SH   OTR 0 3,150 0 4,600
S&P Global Inc Com 78409V104   537,518 1,471 SH   SOLE 0 1,471 0 0
S&P Global Inc Com 78409V104   1,336,304 3,657 SH   OTR 0 2,157 0 1,500
SPDR S&P 500 ETF Trust Com 78462F103   5,680,114 13,287 SH   SOLE 0 12,711 0 576
SPDR S&P 500 ETF Trust Com 78462F103   1,146,074 2,681 SH   OTR 0 2,406 160 115
SPDR Gold Trust Com 78463V107   245,688 1,433 SH   SOLE 0 1,366 0 67
SPDR Gold Trust Com 78463V107   8,573 50 SH   OTR 0 50 0 0
SPDR Portfolio Emerging Market Com 78463X509   238,280 7,098 SH   SOLE 0 7,098 0 0
SPDR Portfolio Emerging Market Com 78463X509   35,584 1,060 SH   OTR 0 1,060 0 0
SPDR Portfolio Developed Wld e Com 78463X889   1,855,607 59,839 SH   SOLE 0 59,839 0 0
SPDR Portfolio Developed Wld e Com 78463X889   581,127 18,740 SH   OTR 0 18,740 0 0
SPDR Preferred Stock ETF Com 78464A292   478,947 14,755 SH   SOLE 0 14,755 0 0
SPDR Portfolio Intermediate Te Com 78464A375   624,628 19,861 SH   SOLE 0 19,861 0 0
SPDR Portfolio Short Term Corp Com 78464A474   1,146,998 39,120 SH   SOLE 0 39,120 0 0
SPDR S&P Regional Banking ETF Com 78464A698   1,237,120 29,617 SH   SOLE 0 28,659 0 958
SPDR S&P Regional Banking ETF Com 78464A698   862,300 20,644 SH   OTR 0 20,444 100 100
SPDR S&P Dividend ETF Com 78464A763   10,284,079 89,419 SH   SOLE 0 89,419 0 0
SPDR S&P Dividend ETF Com 78464A763   879,827 7,650 SH   OTR 0 7,650 0 0
SPDR Dow Jones Industrial Aver Com 78467X109   1,039,015 3,102 SH   SOLE 0 3,102 0 0
SPDR Dow Jones Industrial Aver Com 78467X109   274,659 820 SH   OTR 0 740 0 80
Midcap SPDR Trust Series 1 Com 78467Y107   7,513,117 16,453 SH   SOLE 0 15,462 0 991
Midcap SPDR Trust Series 1 Com 78467Y107   846,474 1,854 SH   OTR 0 1,772 50 32
Salesforce Inc Com 79466L302   1,686,318 8,316 SH   SOLE 0 8,223 0 93
Salesforce Inc Com 79466L302   1,066,826 5,261 SH   OTR 0 5,261 0 0
Schlumberger Ltd Com 806857108   1,460,007 25,043 SH   SOLE 0 24,228 0 815
Schlumberger Ltd Com 806857108   850,422 14,587 SH   OTR 0 14,297 290 0
Charles Schwab Corp Com 808513105   222,125 4,046 SH   SOLE 0 4,046 0 0
Charles Schwab Corp Com 808513105   200,605 3,654 SH   OTR 0 3,654 0 0
Schwab US Small Cap ETF Com 808524607   1,970,764 47,580 SH   SOLE 0 47,580 0 0
Schwab US Small Cap ETF Com 808524607   322,620 7,789 SH   OTR 0 7,789 0 0
Schwab Fundamental Intl Lg Co Com 808524755   270,462 8,540 SH   SOLE 0 8,540 0 0
Schwab US Dividend Equity ETF Com 808524797   6,580,255 92,994 SH   SOLE 0 91,996 0 998
Schwab US Dividend Equity ETF Com 808524797   1,041,304 14,716 SH   OTR 0 14,716 0 0
Schwab International Equity ET Com 808524805   2,742,270 80,750 SH   SOLE 0 80,750 0 0
Schwab International Equity ET Com 808524805   778,159 22,914 SH   OTR 0 22,249 0 665
Schwab US Aggregate Bd ETF Com 808524839   1,105,131 24,986 SH   SOLE 0 24,986 0 0
Schwab US Aggregate Bd ETF Com 808524839   633,993 14,334 SH   OTR 0 14,334 0 0
Materials Select SPDR Fund Com 81369Y100   1,520,087 19,352 SH   SOLE 0 17,320 0 2,032
Materials Select SPDR Fund Com 81369Y100   638,062 8,123 SH   OTR 0 7,483 315 325
Health Care Select Sector SPDR Com 81369Y209   1,098,412 8,532 SH   SOLE 0 8,007 0 525
Health Care Select Sector SPDR Com 81369Y209   19,311 150 SH   OTR 0 150 0 0
Consumer Staples Select Sector Com 81369Y308   533,526 7,754 SH   SOLE 0 6,422 0 1,332
Consumer Staples Select Sector Com 81369Y308   42,318 615 SH   OTR 0 130 305 180
Consumer Discretionary Selt Com 81369Y407   1,574,384 9,780 SH   SOLE 0 7,950 0 1,830
Consumer Discretionary Selt Com 81369Y407   191,727 1,191 SH   OTR 0 726 355 110
Energy Select Sector SPDR Com 81369Y506   1,051,554 11,634 SH   SOLE 0 10,243 0 1,391
Energy Select Sector SPDR Com 81369Y506   157,640 1,744 SH   OTR 0 1,524 80 140
Financial Select Sector SPDR Com 81369Y605   966,673 29,143 SH   SOLE 0 26,454 0 2,689
Financial Select Sector SPDR Com 81369Y605   28,526 860 SH   OTR 0 660 200 0
Industrial Select Sector SPDR Com 81369Y704   986,709 9,733 SH   SOLE 0 9,475 0 258
Industrial Select Sector SPDR Com 81369Y704   53,225 525 SH   OTR 0 435 0 90
Technology Select Sect SPDR Com 81369Y803   2,341,740 14,285 SH   SOLE 0 14,024 162 99
Technology Select Sect SPDR Com 81369Y803   163,110 995 SH   OTR 0 845 150 0
Real Estate Select Sect SPDR Com 81369Y860   897,915 26,355 SH   SOLE 0 24,237 105 2,013
Real Estate Select Sect SPDR Com 81369Y860   1,187,510 34,855 SH   OTR 0 34,704 26 125
Utilities Select Sector SPDR Com 81369Y886   1,589,165 26,967 SH   SOLE 0 22,804 0 4,163
Utilities Select Sector SPDR Com 81369Y886   834,743 14,165 SH   OTR 0 13,162 609 394
Southern Company Com 842587107   1,056,360 16,322 SH   SOLE 0 16,322 0 0
Southern Company Com 842587107   561,381 8,674 SH   OTR 0 8,674 0 0
Starbucks Corp Com 855244109   835,851 9,158 SH   SOLE 0 9,158 0 0
Starbucks Corp Com 855244109   824,624 9,035 SH   OTR 0 9,035 0 0
State Street Corp Com 857477103   171,083 2,555 SH   SOLE 0 2,555 0 0
State Street Corp Com 857477103   38,502 575 SH   OTR 0 575 0 0
Stryker Corporation Com 863667101   253,321 927 SH   SOLE 0 927 0 0
Sysco Corp Com 871829107   535,335 8,105 SH   SOLE 0 8,105 0 0
Sysco Corp Com 871829107   626,881 9,491 SH   OTR 0 9,491 0 0
TJX Cos Inc Com 872540109   3,204,657 36,056 SH   SOLE 0 34,456 300 1,300
TJX Cos Inc Com 872540109   2,979,169 33,519 SH   OTR 0 32,710 455 354
Target Corp Com 87612E106   1,772,898 16,034 SH   SOLE 0 15,452 0 582
Target Corp Com 87612E106   1,470,028 13,295 SH   OTR 0 10,530 165 2,600
Texas Instruments Inc Com 882508104   859,608 5,406 SH   SOLE 0 5,406 0 0
Texas Instruments Inc Com 882508104   923,371 5,807 SH   OTR 0 5,675 0 132
Thermo Fisher Scientific Inc Com 883556102   4,591,975 9,072 SH   SOLE 0 8,878 0 194
Thermo Fisher Scientific Inc Com 883556102   1,416,264 2,798 SH   OTR 0 1,898 0 900
3m CO Com 88579Y101   829,624 8,862 SH   SOLE 0 7,818 330 714
3m CO Com 88579Y101   249,029 2,660 SH   OTR 0 2,025 265 370
Truist Financial Corporation Com 89832Q109   257,384 8,996 SH   SOLE 0 8,697 0 299
Truist Financial Corporation Com 89832Q109   108,289 3,785 SH   OTR 0 3,785 0 0
US Bancorp New Com 902973304   1,235,717 37,378 SH   SOLE 0 37,125 0 253
US Bancorp New Com 902973304   411,829 12,457 SH   OTR 0 11,686 555 216
Union Pac Corp Com 907818108   4,241,613 20,830 SH   SOLE 0 19,922 0 908
Union Pac Corp Com 907818108   3,434,016 16,864 SH   OTR 0 15,234 50 1,580
United Parcel Service Cl B Com 911312106   856,505 5,495 SH   SOLE 0 5,495 0 0
United Parcel Service Cl B Com 911312106   2,137,602 13,714 SH   OTR 0 13,679 35 0
Unitedhealth Group Inc Com 91324P102   7,573,438 15,021 SH   SOLE 0 14,732 0 289
Unitedhealth Group Inc Com 91324P102   2,969,679 5,890 SH   OTR 0 5,746 74 70
Vaneck ETF Trust Agribusiness Com 92189F700   852,829 10,836 SH   SOLE 0 10,056 0 780
Vaneck ETF Trust Agribusiness Com 92189F700   854,367 10,856 SH   OTR 0 10,631 125 100
Vanguard Dividend Appreciation Com 921908844   128,189 825 SH   SOLE 0 825 0 0
Vanguard Dividend Appreciation Com 921908844   108,766 700 SH   OTR 0 700 0 0
Vanguard Total Intl Stock Et Com 921909768   14,986 280 SH   SOLE 0 280 0 0
Vanguard Total Intl Stock Et Com 921909768   270,008 5,045 SH   OTR 0 5,045 0 0
Vanguard Intermediate-Term Bon Com 921937819   1,507,302 20,845 SH   SOLE 0 20,845 0 0
Vanguard Intermediate-Term Bon Com 921937819   263,932 3,650 SH   OTR 0 2,150 1,500 0
Vanguard Short Term Bond ETF Com 921937827   1,047,118 13,930 SH   SOLE 0 13,930 0 0
Vanguard Short Term Bond ETF Com 921937827   75,170 1,000 SH   OTR 0 1,000 0 0
Vanguard Total Bond Market ETF Com 921937835   659,631 9,453 SH   SOLE 0 9,453 0 0
Vanguard Total Bond Market ETF Com 921937835   220,156 3,155 SH   OTR 0 3,155 0 0
Vanguard FTSE Developed Market Com 921943858   120,230 2,750 SH   SOLE 0 2,750 0 0
Vanguard FTSE Developed Market Com 921943858   149,741 3,425 SH   OTR 0 3,425 0 0
Vanguard High Dividend Yield E Com 921946406   251,791 2,437 SH   SOLE 0 2,437 0 0
Vanguard High Dividend Yield E Com 921946406   64,058 620 SH   OTR 0 620 0 0
Vanguard Ftse All-World Ex-USI Com 922042775   465,222 8,969 SH   SOLE 0 8,969 0 0
Vanguard Ftse Emerging Markets Com 922042858   1,091,371 27,834 SH   SOLE 0 27,834 0 0
Vanguard Ftse Emerging Markets Com 922042858   222,909 5,685 SH   OTR 0 5,185 0 500
Vanguard Inter Term Corp Bond Com 92206C870   920,194 12,111 SH   SOLE 0 12,111 0 0
Vanguard Inter Term Corp Bond Com 92206C870   850,064 11,188 SH   OTR 0 11,188 0 0
Vanguard S&P 500 ETF Com 922908363   1,934,833 4,927 SH   SOLE 0 4,740 0 187
Vanguard Mid-Cap Value Index F Com 922908512   426,406 3,256 SH   SOLE 0 3,256 0 0
Vanguard Mid-Cap Value Index F Com 922908512   14,406 110 SH   OTR 0 110 0 0
Vanguard Real Estate ETF Com 922908553   835,438 11,042 SH   SOLE 0 11,042 0 0
Vanguard Real Estate ETF Com 922908553   392,675 5,190 SH   OTR 0 4,895 295 0
Vanguard Index Fund Mid-Cap Com 922908629   515,394 2,475 SH   SOLE 0 2,475 0 0
Vanguard Index Fund Mid-Cap Com 922908629   77,049 370 SH   OTR 0 370 0 0
Verizon Communications Com 92343V104   2,350,665 72,529 SH   SOLE 0 69,531 830 2,168
Verizon Communications Com 92343V104   1,124,368 34,692 SH   OTR 0 31,596 225 2,871
Visa Inc Cl A Com 92826C839   2,509,639 10,911 SH   SOLE 0 10,911 0 0
Visa Inc Cl A Com 92826C839   1,468,614 6,385 SH   OTR 0 6,285 100 0
Wal Mart Inc Com 931142103   2,762,152 17,271 SH   SOLE 0 16,871 0 400
Wal Mart Inc Com 931142103   2,278,363 14,246 SH   OTR 0 12,630 350 1,266
Waste Management Inc Com 94106L109   365,856 2,400 SH   SOLE 0 2,400 0 0
Waste Management Inc Com 94106L109   263,721 1,730 SH   OTR 0 1,500 0 230
Wells Fargo & CO Com 949746101   1,118,225 27,367 SH   SOLE 0 26,582 0 785
Wells Fargo & CO Com 949746101   593,900 14,535 SH   OTR 0 11,750 600 2,185
WisdomTree MidCap Dividend ETF Com 97717W505   2,021,540 49,354 SH   SOLE 0 48,688 0 666
WisdomTree MidCap Dividend ETF Com 97717W505   244,081 5,959 SH   OTR 0 2,949 0 3,010
WisdomTree SmallCap Dividend E Com 97717W604   682,130 24,189 SH   SOLE 0 24,068 0 121
WisdomTree SmallCap Dividend E Com 97717W604   23,180 822 SH   OTR 0 822 0 0
Xylem Inc Com 98419M100   316,420 3,476 SH   SOLE 0 3,476 0 0
Xylem Inc Com 98419M100   68,273 750 SH   OTR 0 750 0 0
Yum! Brands Inc Com 988498101   236,761 1,895 SH   SOLE 0 1,895 0 0
Yum! Brands Inc Com 988498101   74,964 600 SH   OTR 0 600 0 0
Zimmer Biomet Holdings Inc Com 98956P102   407,471 3,631 SH   SOLE 0 3,381 60 190
Zimmer Biomet Holdings Inc Com 98956P102   283,917 2,530 SH   OTR 0 2,105 100 325
Deutsche Bank Ag ADR Com D18190898   109,927 10,000 SH   SOLE 0 10,000 0 0
Eaton Corp PLC Com G29183103   1,579,978 7,408 SH   SOLE 0 7,408 0 0
Eaton Corp PLC Com G29183103   1,007,535 4,724 SH   OTR 0 3,649 0 1,075
Linde PLC Com G54950103   1,891,166 5,079 SH   SOLE 0 5,079 0 0
Linde PLC Com G54950103   1,112,954 2,989 SH   OTR 0 2,064 0 925
Medtronic PLC Com G5960L103   694,740 8,866 SH   SOLE 0 8,866 0 0
Medtronic PLC Com G5960L103   719,031 9,176 SH   OTR 0 8,605 71 500
Agnico Eagle Mines, Ltd. Com 008474108   29,543 650 SH   SOLE 0 650 0 0
Agnico Eagle Mines, Ltd. Com 008474108   322,377 7,093 SH   OTR 0 7,093 0 0
Amphenol Corp. Com 032095101   574,072 6,835 SH   SOLE 0 6,835 0 0
Amphenol Corp. Com 032095101   257,681 3,068 SH   OTR 0 3,068 0 0
Applied Materials Inc Com 038222105   427,118 3,085 SH   SOLE 0 3,085 0 0
Applied Materials Inc Com 038222105   168,217 1,215 SH   OTR 0 1,215 0 0
Autodesk Inc Com 052769106   258,017 1,247 SH   SOLE 0 1,247 0 0
Autodesk Inc Com 052769106   41,382 200 SH   OTR 0 200 0 0
Berkshire Hathaway, Inc. Com 084670108   2,657,385 5 SH   OTR 0 5 0 0
Blackrock, Inc Com 09247X101   994,302 1,538 SH   SOLE 0 1,538 0 0
Blackrock, Inc Com 09247X101   166,148 257 SH   OTR 0 257 0 0
Blackstone Group, Inc. Com 09260D107   497,130 4,640 SH   SOLE 0 4,640 0 0
Blackstone Group, Inc. Com 09260D107   116,997 1,092 SH   OTR 0 1,092 0 0
Boston Scientific Corp Com 101137107   252,648 4,785 SH   OTR 0 4,785 0 0
BrandywineGLOBAL - Global Inco Com 10537L104   22,530 3,000 SH   SOLE 0 3,000 0 0
BrandywineGLOBAL - Global Inco Com 10537L104   117,907 15,700 SH   OTR 0 15,700 0 0
Brookfield Asset Managmt Ltd Com 113004105   473,739 14,987 SH   SOLE 0 14,987 0 0
Brookfield Asset Managmt Ltd Com 113004105   515,717 16,315 SH   OTR 0 16,315 0 0
Brown-Forman Inc Cl B Com 115637209   325,372 5,640 SH   SOLE 0 5,640 0 0
Brown-Forman Inc Cl B Com 115637209   224,991 3,900 SH   OTR 0 3,900 0 0
Arrow Manufacturing Co. Com 126001999   283,975 463 SH   SOLE 0 463 0 0
Cadence Design Systems Inc Com 127387108   369,023 1,575 SH   SOLE 0 1,575 0 0
Canadian National Railway Com 136375102   753,435 6,955 SH   SOLE 0 6,955 0 0
Canadian National Railway Com 136375102   1,365,500 12,605 SH   OTR 0 12,605 0 0
Constellation Brands, Inc. Cl Com 21036P108   42,977 171 SH   SOLE 0 171 0 0
Constellation Brands, Inc. Cl Com 21036P108   271,688 1,081 SH   OTR 0 1,081 0 0
Crown Castle Intl Corp. Com 22822V101   1,276,088 13,866 SH   SOLE 0 13,746 0 120
Crown Castle Intl Corp. Com 22822V101   103,810 1,128 SH   OTR 0 1,128 0 0
Cummins Inc Com 231021106   262,729 1,150 SH   SOLE 0 1,150 0 0
EOG Resources, Inc. Com 26875P101   176,703 1,394 SH   SOLE 0 1,394 0 0
EOG Resources, Inc. Com 26875P101   191,661 1,512 SH   OTR 0 1,512 0 0
Enbridge, Inc. Com 29250N105   187,889 5,661 SH   SOLE 0 5,661 0 0
Enbridge, Inc. Com 29250N105   29,771 897 SH   OTR 0 897 0 0
Fastenal Company Com 311900104   112,012 2,050 SH   SOLE 0 2,050 0 0
Fastenal Company Com 311900104   528,096 9,665 SH   OTR 0 9,665 0 0
First Solar, Inc Com 336433107   117,153 725 SH   SOLE 0 725 0 0
First Solar, Inc Com 336433107   250,465 1,550 SH   OTR 0 1,550 0 0
Golub Capital BDC, Inc. Com 38173M102   29,340 2,000 SH   SOLE 0 2,000 0 0
Golub Capital BDC, Inc. Com 38173M102   151,101 10,300 SH   OTR 0 10,300 0 0
Ingersoll Rand, Inc. Com 45687V106   1,686,286 26,464 SH   SOLE 0 26,420 0 44
Ingersoll Rand, Inc. Com 45687V106   2,487,119 39,032 SH   OTR 0 39,032 0 0
Intuit Com 461202103   56,203 110 SH   SOLE 0 110 0 0
Intuit Com 461202103   352,038 689 SH   OTR 0 689 0 0
Intuitive Surgical Inc Com 46120E602   410,375 1,404 SH   SOLE 0 1,404 0 0
Ionis Pharmaceuticals, Inc. Com 462222100   773,388 17,050 SH   OTR 0 17,050 0 0
IQVIA Holdings, Inc. Com 46266C105   722,073 3,670 SH   SOLE 0 3,670 0 0
IQVIA Holdings, Inc. Com 46266C105   553,458 2,813 SH   OTR 0 2,813 0 0
iShares Russell Midcap Growth Com 464287481   514,026 5,627 SH   SOLE 0 5,627 0 0
iShares Russell 2000 Growth In Com 464287648   479,233 2,138 SH   SOLE 0 2,138 0 0
Jacobs Solutions Inc. Com 46982L108   291,701 2,137 SH   SOLE 0 2,137 0 0
Markel Group INC COM Com 570535104   278,301 189 SH   SOLE 0 189 0 0
Markel Group INC COM Com 570535104   272,411 185 SH   OTR 0 185 0 0
Marriott Intl Inc New A Com 571903202   24,570 125 SH   OTR 0 125 0 0
Martin Marietta Materials, Inc Com 573284106   119,039 290 SH   SOLE 0 290 0 0
Martin Marietta Materials, Inc Com 573284106   225,764 550 SH   OTR 0 550 0 0
Masco Corp Com 574599106   215,083 4,024 SH   SOLE 0 4,024 0 0
Masco Corp Com 574599106   6,681 125 SH   OTR 0 125 0 0
Mc Cormick & Co. Inc Com 579780206   372,376 4,923 SH   SOLE 0 4,923 0 0
Mc Cormick & Co. Inc Com 579780206   96,138 1,271 SH   OTR 0 1,271 0 0
McKesson, Inc. Com 58155Q103   312,222 718 SH   SOLE 0 718 0 0
Mettler-Toledo Intl Inc Com 592688105   161,778 146 SH   SOLE 0 146 0 0
Mettler-Toledo Intl Inc Com 592688105   221,614 200 SH   OTR 0 200 0 0
Monster Beverage Corp. Com 61174X109   104,047 1,965 SH   SOLE 0 1,965 0 0
Monster Beverage Corp. Com 61174X109   130,787 2,470 SH   OTR 0 2,470 0 0
Moodys Corp Com 615369105   257,046 813 SH   SOLE 0 813 0 0
Moodys Corp Com 615369105   50,587 160 SH   OTR 0 160 0 0
Morgan Stanley Com 617446448   12,251 150 SH   OTR 0 150 0 0
Nestle S A Sponsored ADR Com 641069406   910,049 8,025 SH   SOLE 0 7,875 0 150
Nestle S A Sponsored ADR Com 641069406   624,277 5,505 SH   OTR 0 5,505 0 0
Netflix, Inc. Com 64110L106   360,608 955 SH   OTR 0 955 0 0
Northrop Grumman Corp. Com 666807102   11,005 25 SH   SOLE 0 25 0 0
Northrop Grumman Corp. Com 666807102   356,994 811 SH   OTR 0 811 0 0
Oneok Inc. Com 682680103   666,031 10,500 SH   OTR 0 10,500 0 0
Paychex Inc Com 704326107   332,727 2,885 SH   SOLE 0 2,885 0 0
Paychex Inc Com 704326107   52,475 455 SH   OTR 0 455 0 0
Pimco ETF Trust Com 72201R783   162,540 1,800 SH   SOLE 0 1,800 0 0
Pimco ETF Trust Com 72201R783   156,671 1,735 SH   OTR 0 1,735 0 0
Quanta Services, Inc Com 74762E102   84,182 450 SH   SOLE 0 450 0 0
RBC Bearings Incorporated Com 75524B104   926,452 3,957 SH   SOLE 0 3,746 0 211
RBC Bearings Incorporated Com 75524B104   70,239 300 SH   OTR 0 300 0 0
Roper Industries, Inc. Com 776696106   147,705 305 SH   SOLE 0 305 0 0
Roper Industries, Inc. Com 776696106   924,006 1,908 SH   OTR 0 1,908 0 0
SPDR Bloomberg 1-3 Month T-Bil Com 78468R663   309,617 3,372 SH   SOLE 0 3,372 0 0
Sherwin Williams Co Com 824348106   1,858,294 7,286 SH   SOLE 0 7,151 0 135
Sherwin Williams Co Com 824348106   1,373,954 5,387 SH   OTR 0 5,387 0 0
T-Mobile US, Inc. Com 872590104   126,045 900 SH   SOLE 0 900 0 0
T-Mobile US, Inc. Com 872590104   84,030 600 SH   OTR 0 600 0 0
Taiwan Semiconductor Mfg Co LT Com 874039100   294,330 3,387 SH   SOLE 0 3,387 0 0
Taiwan Semiconductor Mfg Co LT Com 874039100   36,064 415 SH   OTR 0 415 0 0
Tesla Motors, Inc. Com 88160R101   517,955 2,070 SH   SOLE 0 2,070 0 0
Tesla Motors, Inc. Com 88160R101   106,344 425 SH   OTR 0 425 0 0
Toyota Motors Corp ADR Com 892331307   103,356 575 SH   SOLE 0 575 0 0
Toyota Motors Corp ADR Com 892331307   107,850 600 SH   OTR 0 600 0 0
Tractor Supply Co Com 892356106   83,251 410 SH   SOLE 0 410 0 0
Tractor Supply Co Com 892356106   176,654 870 SH   OTR 0 870 0 0
Transcoastal Corp. Com 89355M105   0 243,486 SH   SOLE 0 243,486 0 0
TransDigm Group, Inc. Com 893641100   168,626 200 SH   SOLE 0 200 0 0
TransDigm Group, Inc. Com 893641100   994,893 1,180 SH   OTR 0 1,180 0 0
Uber Technologies Inc Com 90353T100   951,993 20,700 SH   SOLE 0 20,700 0 0
Uber Technologies Inc Com 90353T100   1,485,477 32,300 SH   OTR 0 32,300 0 0
United Rentals, Inc. Com 911363109   213,838 481 SH   SOLE 0 481 0 0
United Rentals, Inc. Com 911363109   44,457 100 SH   OTR 0 100 0 0
VanEck Vectors Gold Miners ETF Com 92189F106   2,341,574 87,015 SH   SOLE 0 85,446 0 1,569
VanEck Vectors Gold Miners ETF Com 92189F106   201,098 7,473 SH   OTR 0 7,473 0 0
Vanguard Short-Term Treasury I Com 92206C102   262,656 4,560 SH   SOLE 0 4,560 0 0
Vanguard Short-Term Treasury I Com 92206C102   20,160 350 SH   OTR 0 350 0 0
Vanguard Short Term Corporate Com 92206C409   964,776 12,838 SH   SOLE 0 12,838 0 0
Vanguard Short Term Corporate Com 92206C409   21,192 282 SH   OTR 0 282 0 0
Weyerhaeuser Co Com 962166104   857,683 27,974 SH   SOLE 0 27,704 0 270
Weyerhaeuser Co Com 962166104   58,591 1,911 SH   OTR 0 1,911 0 0
Zoetis, Inc. Com 98978V103   693,658 3,987 SH   SOLE 0 3,987 0 0
Zoetis, Inc. Com 98978V103   1,138,525 6,544 SH   OTR 0 6,544 0 0
Allegion PLC Com G0176J109   720,230 6,912 SH   SOLE 0 6,912 0 0
Allegion PLC Com G0176J109   1,662,303 15,953 SH   OTR 0 15,953 0 0
AON PLC Com G0403H108   445,803 1,375 SH   SOLE 0 1,375 0 0
AON PLC Com G0403H108   885,121 2,730 SH   OTR 0 2,730 0 0
Accenture PLC Com G1151C101   559,862 1,823 SH   SOLE 0 1,790 0 33
Accenture PLC Com G1151C101   32,247 105 SH   OTR 0 105 0 0
Trane Technologies PLC Com G8994E103   6,400,390 31,543 SH   SOLE 0 31,493 0 50
Trane Technologies PLC Com G8994E103   8,474,130 41,763 SH   OTR 0 41,763 0 0
Chubb Limited Com H1467J104   1,721,024 8,267 SH   SOLE 0 8,128 0 139
Chubb Limited Com H1467J104   99,926 480 SH   OTR 0 480 0 0
TE Connectivity Ltd Com H84989104   1,086,446 8,795 SH   SOLE 0 8,654 0 141
TE Connectivity Ltd Com H84989104   83,383 675 SH   OTR 0 675 0 0
ASML Holding N.V. Com N07059210   206,620 351 SH   SOLE 0 351 0 0
ASML Holding N.V. Com N07059210   23,546 40 SH   OTR 0 40 0 0