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
3M CO Common Stock 88579Y101 1,166 6,646 SH   SOLE   6,646 0 0
3M CO Common Stock 88579Y101 389 2,217 SH   OTR   2,217 0 0
ABBOTT LABORATORIES Common Stock 002824100 2,493 21,104 SH   SOLE   21,104 0 0
ABBOTT LABORATORIES Common Stock 002824100 236 2,000 SH   OTR   2,000 0 0
ABBVIE INC Common Stock 00287Y109 1,302 12,070 SH   SOLE   12,070 0 0
ABBVIE INC Common Stock 00287Y109 76 701 SH   OTR   701 0 0
ACCENTURE PLC Int'l Common Stock G1151C101 997 3,116 SH   SOLE   3,116 0 0
ACCENTURE PLC Int'l Common Stock G1151C101 203 633 SH   OTR   633 0 0
ADOBE INC Common Stock 00724F101 196 340 SH   SOLE   340 0 0
ADOBE INC Common Stock 00724F101 39 68 SH   OTR   68 0 0
AFLAC INC Common Stock 001055102 719 13,801 SH   SOLE   13,801 0 0
AFLAC INC Common Stock 001055102 136 2,618 SH   OTR   2,618 0 0
ALPHABET INC Common Stock 02079K107 3,540 1,328 SH   SOLE   1,328 0 0
ALPHABET INC Common Stock 02079K107 504 189 SH   OTR   189 0 0
ALPHABET INC Common Stock 02079K305 2,342 876 SH   SOLE   876 0 0
ALPHABET INC Common Stock 02079K305 251 94 SH   OTR   94 0 0
ALTRIA GROUP INC Common Stock 02209S103 729 16,014 SH   SOLE   16,014 0 0
AMAZON.COM INC Common Stock 023135106 1,817 553 SH   SOLE   553 0 0
AMAZON.COM INC Common Stock 023135106 138 42 SH   OTR   42 0 0
AMERICAN EXPRESS CO Common Stock 025816109 475 2,833 SH   SOLE   2,833 0 0
AMERICAN EXPRESS CO Common Stock 025816109 137 820 SH   OTR   820 0 0
AMERICAN TOWER CORP Common Stock 03027X100 274 1,033 SH   SOLE   1,033 0 0
AMERICAN WATER WORKS COMPANY INC Common Stock 030420103 826 4,888 SH   SOLE   4,888 0 0
AMERICAN WATER WORKS COMPANY INC Common Stock 030420103 17 100 SH   OTR   100 0 0
AMGEN INC Common Stock 031162100 1,032 4,854 SH   SOLE   4,854 0 0
APPLE INC Common Stock 037833100 9,150 64,664 SH   SOLE   64,664 0 0
APPLE INC Common Stock 037833100 760 5,372 SH   OTR   5,372 0 0
APPLIED MATERIALS INC Common Stock 038222105 34 262 SH   SOLE   262 0 0
APPLIED MATERIALS INC Common Stock 038222105 499 3,875 SH   OTR   3,875 0 0
ARTHUR J GALLAGHER & CO Common Stock 363576109 491 3,300 SH   SOLE   3,300 0 0
AT&T INC Common Stock 00206R102 354 13,124 SH   SOLE   13,124 0 0
AUTOMATIC DATA PROCESSING INC Common Stock 053015103 662 3,310 SH   SOLE   3,310 0 0
BANK OF AMERICA CORP Common Stock 060505104 449 10,581 SH   SOLE   10,581 0 0
BANK OF AMERICA CORP Common Stock 060505104 51 1,200 SH   OTR   1,200 0 0
BAXTER INTERNATIONAL INC Common Stock 071813109 500 6,220 SH   SOLE   6,220 0 0
BAXTER INTERNATIONAL INC Common Stock 071813109 44 550 SH   OTR   550 0 0
BECTON DICKINSON AND CO Common Stock 075887109 319 1,299 SH   SOLE   1,299 0 0
BERKSHIRE HATHAWAY INC Common Stock 084670702 2,133 7,815 SH   SOLE   7,815 0 0
BERKSHIRE HATHAWAY INC Common Stock 084670702 355 1,300 SH   OTR   1,300 0 0
BLACKROCK INC Common Stock 09247X101 694 828 SH   SOLE   828 0 0
BLACKROCK INC Common Stock 09247X101 38 45 SH   OTR   45 0 0
BOEING CO Common Stock 097023105 303 1,378 SH   SOLE   1,378 0 0
BOOKING HOLDINGS INC Common Stock 09857L108 207 87 SH   SOLE   87 0 0
BRISTOL-MYERS SQUIBB CO Common Stock 110122108 389 6,571 SH   SOLE   6,571 0 0
BRISTOL-MYERS SQUIBB CO Common Stock 110122108 53 900 SH   OTR   900 0 0
CANADIAN PACIFIC RAILWAY LTD Int'l Common Stock 13645T100 638 9,805 SH   SOLE   9,805 0 0
CATERPILLAR INC Common Stock 149123101 189 985 SH   SOLE   985 0 0
CATERPILLAR INC Common Stock 149123101 355 1,850 SH   OTR   1,850 0 0
CDW CORP Common Stock 12514G108 211 1,160 SH   SOLE   1,160 0 0
CHEVRON CORP Common Stock 166764100 2,011 19,823 SH   SOLE   19,823 0 0
CHEVRON CORP Common Stock 166764100 369 3,636 SH   OTR   3,636 0 0
CISCO SYSTEMS INC Common Stock 17275R102 823 15,115 SH   SOLE   15,115 0 0
CISCO SYSTEMS INC Common Stock 17275R102 281 5,155 SH   OTR   5,155 0 0
CITIGROUP INC Common Stock 172967424 714 10,180 SH   SOLE   10,180 0 0
CITIGROUP INC Common Stock 172967424 45 647 SH   OTR   647 0 0
CME GROUP INC Common Stock 12572Q105 201 1,040 SH   SOLE   1,040 0 0
CMS ENERGY CORP Common Stock 125896100 203 3,400 SH   SOLE   3,400 0 0
COCA-COLA CO Common Stock 191216100 1,037 19,769 SH   SOLE   19,769 0 0
COCA-COLA CO Common Stock 191216100 143 2,717 SH   OTR   2,717 0 0
COGNIZANT TECHNOLOGY SOLUTIONS CORP Common Stock 192446102 423 5,696 SH   SOLE   5,696 0 0
COGNIZANT TECHNOLOGY SOLUTIONS CORP Common Stock 192446102 19 250 SH   OTR   250 0 0
COLGATE-PALMOLIVE CO Common Stock 194162103 245 3,244 SH   SOLE   3,244 0 0
COLGATE-PALMOLIVE CO Common Stock 194162103 206 2,726 SH   OTR   2,726 0 0
COMCAST CORP Common Stock 20030N101 414 7,407 SH   SOLE   7,407 0 0
COMCAST CORP Common Stock 20030N101 92 1,650 SH   OTR   1,650 0 0
CONOCOPHILLIPS Common Stock 20825C104 394 5,818 SH   SOLE   5,818 0 0
COSTCO WHOLESALE CORP Common Stock 22160K105 785 1,746 SH   SOLE   1,746 0 0
COSTCO WHOLESALE CORP Common Stock 22160K105 23 52 SH   OTR   52 0 0
CVS HEALTH CORP Common Stock 126650100 796 9,382 SH   SOLE   9,382 0 0
CVS HEALTH CORP Common Stock 126650100 88 1,038 SH   OTR   1,038 0 0
DANAHER CORP Common Stock 235851102 3,401 11,172 SH   SOLE   11,172 0 0
DANAHER CORP Common Stock 235851102 351 1,154 SH   OTR   1,154 0 0
DEERE & CO Common Stock 244199105 950 2,835 SH   SOLE   2,835 0 0
DEERE & CO Common Stock 244199105 586 1,750 SH   OTR   1,750 0 0
DOMINION ENERGY INC Common Stock 25746U109 562 7,702 SH   SOLE   7,702 0 0
DOMINION ENERGY INC Common Stock 25746U109 165 2,260 SH   OTR   2,260 0 0
DUKE ENERGY CORP Common Stock 26441C204 201 2,056 SH   SOLE   2,056 0 0
DUKE ENERGY CORP Common Stock 26441C204 49 500 SH   OTR   500 0 0
EATON CORPORATION PLC Int'l Common Stock G29183103 284 1,902 SH   SOLE   1,902 0 0
ELI LILLY AND CO Common Stock 532457108 819 3,546 SH   SOLE   3,546 0 0
EXELON CORP Common Stock 30161N101 478 9,897 SH   SOLE   9,897 0 0
EXXON MOBIL CORP Common Stock 30231G102 2,423 41,191 SH   SOLE   41,191 0 0
EXXON MOBIL CORP Common Stock 30231G102 603 10,246 SH   OTR   10,246 0 0
FACEBOOK INC Common Stock 30303M102 562 1,656 SH   SOLE   1,656 0 0
FISERV INC Common Stock 337738108 650 5,989 SH   SOLE   5,989 0 0
FISERV INC Common Stock 337738108 124 1,141 SH   OTR   1,141 0 0
FLEXSHARES IBOXX 3-YEAR TARGET DURATION TIPS INDEX Fixed Income ETF 33939L506 4,768 181,241 SH   SOLE   181,241 0 0
FLEXSHARES IBOXX 3-YEAR TARGET DURATION TIPS INDEX Fixed Income ETF 33939L506 119 4,519 SH   OTR   4,519 0 0
FLEXSHARES IBOXX 5-YEAR TARGET DURATION TIPS INDEX Fixed Income ETF 33939L605 4,682 167,594 SH   SOLE   167,594 0 0
FLEXSHARES IBOXX 5-YEAR TARGET DURATION TIPS INDEX Fixed Income ETF 33939L605 125 4,461 SH   OTR   4,461 0 0
FLEXSHARES QUALITY DIVIDEND INDEX FUND Exchange Traded Fund 33939L860 20,789 373,570 SH   SOLE   373,570 0 0
FLEXSHARES QUALITY DIVIDEND INDEX FUND Exchange Traded Fund 33939L860 1,051 18,886 SH   OTR   18,886 0 0
FLEXSHS MORNINGSTAR GLBL UPSTEAM NTRL RES IDX FD Exchange Traded Fund 33939L407 6,800 185,802 SH   SOLE   185,802 0 0
FLEXSHS MORNINGSTAR GLBL UPSTEAM NTRL RES IDX FD Exchange Traded Fund 33939L407 358 9,792 SH   OTR   9,792 0 0
FORTIVE CORP Common Stock 34959J108 430 6,098 SH   SOLE   6,098 0 0
FORTIVE CORP Common Stock 34959J108 28 399 SH   OTR   399 0 0
GENERAL DYNAMICS CORP Common Stock 369550108 286 1,461 SH   SOLE   1,461 0 0
GENERAL MILLS INC Common Stock 370334104 340 5,691 SH   SOLE   5,691 0 0
GENERAL MILLS INC Common Stock 370334104 15 246 SH   OTR   246 0 0
HALLIBURTON CO Common Stock 406216101 379 17,550 SH   SOLE   17,550 0 0
HALLIBURTON CO Common Stock 406216101 79 3,639 SH   OTR   3,639 0 0
HCA HEALTHCARE INC Common Stock 40412C101 532 2,190 SH   SOLE   2,190 0 0
HCA HEALTHCARE INC Common Stock 40412C101 73 300 SH   OTR   300 0 0
HOME DEPOT INC Common Stock 437076102 431 1,312 SH   SOLE   1,312 0 0
HONEYWELL INTERNATIONAL INC Common Stock 438516106 846 3,985 SH   SOLE   3,985 0 0
INTEL CORP Common Stock 458140100 1,947 36,551 SH   SOLE   36,551 0 0
INTEL CORP Common Stock 458140100 184 3,450 SH   OTR   3,450 0 0
INTERCONTINENTAL EXCHANGE INC Common Stock 45866F104 496 4,321 SH   SOLE   4,321 0 0
INTERCONTINENTAL EXCHANGE INC Common Stock 45866F104 23 200 SH   OTR   200 0 0
INVESCO OPTIMUM YLD DVSFD CMD STR NO K-1 ETF Common Stock 46090F100 385 18,280 SH   SOLE   18,280 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF Exchange Traded Fund 46434G103 952 15,409 SH   SOLE   15,409 0 0
ISHARES CORE S&P SMALL-CAP ETF Exchange Traded Fund 464287804 2,824 25,865 SH   SOLE   25,865 0 0
ISHARES CORE S&P SMALL-CAP ETF Exchange Traded Fund 464287804 160 1,464 SH   OTR   1,464 0 0
ISHARES CORE TOTAL USD BOND MARKET ETF Exchange Traded Fund 46434V613 324 6,087 SH   SOLE   6,087 0 0
ISHARES CORE US AGGREGATE BOND ETF Exchange Traded Fund 464287226 645 5,613 SH   SOLE   5,613 0 0
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ET Fixed Income ETF 464287242 615 4,625 SH   SOLE   4,625 0 0
ISHARES JPMORGAN USD EMERGING MARKETS BOND ETF Exchange Traded Fund 464288281 375 3,408 SH   SOLE   3,408 0 0
ISHARES MSCI EAFE ETF International Equity ETF 464287465 629 8,069 SH   SOLE   8,069 0 0
ISHARES RUSSELL 2000 ETF Common Stock 464287655 726 3,318 SH   SOLE   3,318 0 0
ISHARES S&P MIDCAP 400 INDEX FUND Exchange Traded Fund 464287507 1,566 5,953 SH   SOLE   5,953 0 0
ISHARES S&P MIDCAP 400 INDEX FUND Exchange Traded Fund 464287507 310 1,180 SH   OTR   1,180 0 0
JOHNSON & JOHNSON Common Stock 478160104 2,254 13,958 SH   SOLE   13,958 0 0
JOHNSON & JOHNSON Common Stock 478160104 166 1,025 SH   OTR   1,025 0 0
JPMORGAN CHASE & CO Common Stock 46625H100 3,351 20,473 SH   SOLE   20,473 0 0
JPMORGAN CHASE & CO Common Stock 46625H100 159 970 SH   OTR   970 0 0
KIMBERLY-CLARK CORP Common Stock 494368103 216 1,631 SH   SOLE   1,631 0 0
LABORATORY CORPORATION OF AMERICA HOLDINGS Common Stock 50540R409 281 1,000 SH   SOLE   1,000 0 0
LAM RESEARCH CORP Common Stock 512807108 213 374 SH   SOLE   374 0 0
LINDE PLC Int'l Common Stock G5494J103 403 1,372 SH   SOLE   1,372 0 0
LINDE PLC Int'l Common Stock G5494J103 29 100 SH   OTR   100 0 0
LOWE'S COMPANIES INC Common Stock 548661107 2,320 11,438 SH   SOLE   11,438 0 0
LOWE'S COMPANIES INC Common Stock 548661107 832 4,102 SH   OTR   4,102 0 0
MARSH & MCLENNAN COMPANIES INC Common Stock 571748102 627 4,140 SH   SOLE   4,140 0 0
MARSH & MCLENNAN COMPANIES INC Common Stock 571748102 27 180 SH   OTR   180 0 0
MASTERCARD INC Common Stock 57636Q104 1,471 4,230 SH   SOLE   4,230 0 0
MASTERCARD INC Common Stock 57636Q104 104 300 SH   OTR   300 0 0
MATCH GROUP INC Common Stock 57667L107 320 2,037 SH   SOLE   2,037 0 0
MCDONALD'S CORP Common Stock 580135101 1,765 7,319 SH   SOLE   7,319 0 0
MCDONALD'S CORP Common Stock 580135101 135 558 SH   OTR   558 0 0
MEDTRONIC PLC Int'l Common Stock G5960L103 819 6,530 SH   SOLE   6,530 0 0
MERCK & CO INC Common Stock 58933Y105 757 10,082 SH   SOLE   10,082 0 0
MERCK & CO INC Common Stock 58933Y105 187 2,488 SH   OTR   2,488 0 0
MICROSOFT CORP Common Stock 594918104 7,664 27,184 SH   SOLE   27,184 0 0
MICROSOFT CORP Common Stock 594918104 99 350 SH   OTR   350 0 0
MONDELEZ INTERNATIONAL INC Common Stock 609207105 347 5,958 SH   SOLE   5,958 0 0
NEXTERA ENERGY INC Common Stock 65339F101 1,010 12,860 SH   SOLE   12,860 0 0
NEXTERA ENERGY INC Common Stock 65339F101 499 6,360 SH   OTR   6,360 0 0
NIKE INC Common Stock 654106103 2,663 18,335 SH   SOLE   18,335 0 0
NORFOLK SOUTHERN CORP Common Stock 655844108 1,013 4,236 SH   SOLE   4,236 0 0
NORFOLK SOUTHERN CORP Common Stock 655844108 48 200 SH   OTR   200 0 0
NUCOR CORP Common Stock 670346105 287 2,911 SH   SOLE   2,911 0 0
NUCOR CORP Common Stock 670346105 125 1,267 SH   OTR   1,267 0 0
ORACLE CORP Common Stock 68389X105 798 9,155 SH   SOLE   9,155 0 0
ORACLE CORP Common Stock 68389X105 63 720 SH   OTR   720 0 0
PAYPAL HOLDINGS INC Common Stock 70450Y103 221 850 SH   SOLE   850 0 0
PAYPAL HOLDINGS INC Common Stock 70450Y103 39 150 SH   OTR   150 0 0
PEPSICO INC Common Stock 713448108 1,916 12,736 SH   SOLE   12,736 0 0
PEPSICO INC Common Stock 713448108 401 2,663 SH   OTR   2,663 0 0
PFIZER INC Common Stock 717081103 1,634 38,001 SH   SOLE   38,001 0 0
PFIZER INC Common Stock 717081103 297 6,900 SH   OTR   6,900 0 0
PHILIP MORRIS INTERNATIONAL INC Common Stock 718172109 594 6,267 SH   SOLE   6,267 0 0
PHILIP MORRIS INTERNATIONAL INC Common Stock 718172109 18 190 SH   OTR   190 0 0
PROCTER & GAMBLE CO Common Stock 742718109 1,834 13,118 SH   SOLE   13,118 0 0
PROCTER & GAMBLE CO Common Stock 742718109 620 4,438 SH   OTR   4,438 0 0
RAYTHEON TECHNOLOGIES CORP Common Stock 75513E101 779 9,058 SH   SOLE   9,058 0 0
RAYTHEON TECHNOLOGIES CORP Common Stock 75513E101 58 675 SH   OTR   675 0 0
S&P GLOBAL INC Common Stock 78409V104 257 605 SH   SOLE   605 0 0
SABINE ROYALTY TRUST Common Stock 785688102 1,050 24,524 SH   SOLE   24,524 0 0
SALESFORCE.COM INC Common Stock 79466L302 2,363 8,714 SH   SOLE   8,714 0 0
SALESFORCE.COM INC Common Stock 79466L302 77 284 SH   OTR   284 0 0
SCHLUMBERGER NV Int'l Common Stock 806857108 257 8,655 SH   SOLE   8,655 0 0
SCHLUMBERGER NV Int'l Common Stock 806857108 2 64 SH   OTR   64 0 0
SPDR S&P 500 ETF TRUST Exchange Traded Fund 78462F103 3,684 8,585 SH   SOLE   8,585 0 0
STARBUCKS CORP Common Stock 855244109 2,087 18,923 SH   SOLE   18,923 0 0
STARBUCKS CORP Common Stock 855244109 86 780 SH   OTR   780 0 0
TARGET CORP Common Stock 87612E106 373 1,632 SH   SOLE   1,632 0 0
TEXAS INSTRUMENTS INC Common Stock 882508104 211 1,100 SH   SOLE   1,100 0 0
THERMO FISHER SCIENTIFIC INC Common Stock 883556102 281 491 SH   SOLE   491 0 0
THERMO FISHER SCIENTIFIC INC Common Stock 883556102 45 78 SH   OTR   78 0 0
UNION PACIFIC CORP Common Stock 907818108 811 4,138 SH   SOLE   4,138 0 0
UNITED PARCEL SERVICE INC Common Stock 911312106 746 4,099 SH   SOLE   4,099 0 0
UNITED PARCEL SERVICE INC Common Stock 911312106 137 750 SH   OTR   750 0 0
UNITEDHEALTH GROUP INC Common Stock 91324P102 373 955 SH   SOLE   955 0 0
UNITEDHEALTH GROUP INC Common Stock 91324P102 43 110 SH   OTR   110 0 0
US BANCORP Common Stock 902973304 853 14,348 SH   SOLE   14,348 0 0
US BANCORP Common Stock 902973304 52 867 SH   OTR   867 0 0
VANGUARD EMERGING MARKETS STOCK INDEX FUND Exchange Traded Fund 922042858 215 4,308 SH   SOLE   4,308 0 0
VANGUARD HIGH DIVIDEND YIELD INDEX FUND Exchange Traded Fund 921946406 2,025 19,593 SH   SOLE   19,593 0 0
VANGUARD HIGH DIVIDEND YIELD INDEX FUND Exchange Traded Fund 921946406 479 4,630 SH   OTR   4,630 0 0
VANGUARD MID-CAP INDEX FUND Exchange Traded Fund 922908629 1,809 7,639 SH   SOLE   7,639 0 0
VANGUARD REAL ESTATE INDEX FUND Exchange Traded Fund 922908553 255 2,503 SH   SOLE   2,503 0 0
VANGUARD SMALL-CAP INDEX FUND Exchange Traded Fund 922908751 217 994 SH   SOLE   994 0 0
VANGUARD VALUE INDEX FUND Exchange Traded Fund 922908744 306 2,264 SH   SOLE   2,264 0 0
VERIZON COMMUNICATIONS INC Common Stock 92343V104 1,050 19,436 SH   SOLE   19,436 0 0
VERIZON COMMUNICATIONS INC Common Stock 92343V104 153 2,839 SH   OTR   2,839 0 0
VISA INC Common Stock 92826C839 243 1,093 SH   SOLE   1,093 0 0
VISA INC Common Stock 92826C839 28 126 SH   OTR   126 0 0
WALT DISNEY CO Common Stock 254687106 330 1,950 SH   SOLE   1,950 0 0
WALT DISNEY CO Common Stock 254687106 34 200 SH   OTR   200 0 0
WASTE MANAGEMENT INC Common Stock 94106L109 805 5,387 SH   SOLE   5,387 0 0
ZIMMER BIOMET HOLDINGS INC Common Stock 98956P102 291 1,988 SH   SOLE   1,988 0 0
ZIMMER BIOMET HOLDINGS INC Common Stock 98956P102 18 120 SH   OTR   120 0 0
ZOETIS INC Common Stock 98978V103 318 1,640 SH   SOLE   1,640 0 0