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
EATON CORP PLC SHS G29183103 209 1,209 SH   SOLE   1,209 0 0
AT&T INC COM 00206R102 1,077 43,770 SH   SOLE   36,974 0 6,796
AT&T INC COM 00206R102 27 1,100 SH   OTR   1,100 0 0
ABBOTT LABS COM 002824100 719 5,111 SH   SOLE   5,111 0 0
ABBVIE INC COM 00287Y109 714 5,273 SH   SOLE   5,273 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 454 800 SH   SOLE   800 0 0
ALPHABET INC CAP STK CL C 02079K107 671 232 SH   SOLE   232 0 0
ALPHABET INC CAP STK CL A 02079K305 513 177 SH   SOLE   177 0 0
AMAZON COM INC COM 023135106 1,017 305 SH   SOLE   305 0 0
AMAZON COM INC COM 023135106 33 10 SH   OTR   10 0 0
AMERICAN EXPRESS CO COM 025816109 271 1,657 SH   SOLE   1,657 0 0
AMGEN INC COM 031162100 413 1,837 SH   SOLE   1,837 0 0
APPLE INC COM 037833100 4,935 27,794 SH   SOLE   27,794 0 0
APPLE INC COM 037833100 19 108 SH   OTR   0 108 0
AUTOMATIC DATA PROCESSING IN COM 053015103 467 1,892 SH   SOLE   1,892 0 0
BK OF AMERICA CORP COM 060505104 390 8,776 SH   SOLE   8,776 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 582 1,947 SH   SOLE   1,947 0 0
BOEING CO COM 097023105 632 3,139 SH   SOLE   3,139 0 0
BOOZ ALLEN HAMILTON HLDG COR CL A 099502106 500 5,902 SH   SOLE   5,902 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 291 4,675 SH   SOLE   4,675 0 0
CSX CORP COM 126408103 496 13,200 SH   SOLE   13,200 0 0
CARRIER GLOBAL CORPORATION COM 14448C104 321 5,915 SH   SOLE   5,915 0 0
CATERPILLAR INC COM 149123101 2,441 11,807 SH   SOLE   11,807 0 0
CHEVRON CORP NEW COM 166764100 604 5,146 SH   SOLE   5,146 0 0
CISCO SYS INC COM 17275R102 744 11,733 SH   SOLE   11,733 0 0
COCA COLA CO COM 191216100 589 9,952 SH   SOLE   9,952 0 0
COMCAST CORP NEW CL A 20030N101 701 13,937 SH   SOLE   11,931 0 2,006
CONOCOPHILLIPS COM 20825C104 282 3,905 SH   SOLE   3,905 0 0
CONSOLIDATED EDISON INC COM 209115104 228 2,670 SH   SOLE   2,670 0 0
COSTCO WHSL CORP NEW COM 22160K105 1,095 1,928 SH   SOLE   1,928 0 0
DEERE & CO COM 244199105 311 908 SH   SOLE   908 0 0
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401 207 4,000 SH   SOLE   4,000 0 0
DISNEY WALT CO COM 254687106 508 3,277 SH   SOLE   3,277 0 0
DOMINION ENERGY INC COM 25746U109 1,278 16,272 SH   SOLE   16,272 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 701 6,684 SH   SOLE   6,684 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 31 300 SH   OTR   300 0 0
ETF SER SOLUTIONS VIDENT INTL EQ 26922A404 746 28,123 SH   SOLE   28,123 0 0
ETF SER SOLUTIONS VIDENTCORE EQ FD 26922A503 772 16,549 SH   SOLE   16,549 0 0
ETF SER SOLUTIONS US DIVERSIFIED 26922A511 215 5,454 SH   SOLE   5,454 0 0
ETF SER SOLUTIONS VIDENT CORE US 26922A602 313 6,140 SH   SOLE   6,140 0 0
EVERSOURCE ENERGY COM 30040W108 222 2,436 SH   SOLE   2,436 0 0
EXXON MOBIL CORP COM 30231G102 1,744 28,508 SH   SOLE   28,508 0 0
META PLATFORMS INC CL A 30303M102 352 1,046 SH   SOLE   1,046 0 0
FORTINET INC COM 34959E109 250 695 SH   SOLE   695 0 0
GENERAL ELECTRIC CO COM NEW 369604301 338 3,574 SH   SOLE   3,574 0 0
GENERAL MLS INC COM 370334104 216 3,199 SH   SOLE   3,199 0 0
HERSHEY CO COM 427866108 318 1,642 SH   SOLE   1,642 0 0
HOME DEPOT INC COM 437076102 1,788 4,308 SH   SOLE   4,308 0 0
HONEYWELL INTL INC COM 438516106 672 3,223 SH   SOLE   3,223 0 0
INTEL CORP COM 458140100 680 13,200 SH   SOLE   13,200 0 0
INTEL CORP COM 458140100 82 1,600 SH   OTR   1,600 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 3,968 29,686 SH   SOLE   29,611 0 75
INVESCO QQQ TR UNIT SER 1 46090E103 864 2,171 SH   SOLE   2,171 0 0
INTUIT COM 461202103 224 349 SH   SOLE   349 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 209 1,284 SH   SOLE   1,284 0 0
ISHARES GOLD TR ISHARES NEW 464285204 246 7,079 SH   SOLE   7,079 0 0
ISHARES TR CORE S&P500 ETF 464287200 721 1,512 SH   SOLE   1,512 0 0
ISHARES TR CORE US AGGBD ET 464287226 188,810 1,655,067 SH   SOLE   1,653,997 90 980
ISHARES TR CORE US AGGBD ET 464287226 182 1,597 SH   OTR   1,206 391 0
ISHARES TR MSCI EMG MKT ETF 464287234 1,122 22,962 SH   SOLE   22,962 0 0
ISHARES TR IBOXX INV CP ETF 464287242 334 2,524 SH   SOLE   2,524 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 368,988 4,313,635 SH   SOLE   4,312,073 0 1,562
ISHARES TR 1 3 YR TREAS BD 464287457 414 4,845 SH   OTR   2,763 2,082 0
ISHARES TR MSCI EAFE ETF 464287465 5,135 65,266 SH   SOLE   64,716 0 550
ISHARES TR CORE S&P MCP ETF 464287507 201,398 711,452 SH   SOLE   711,186 30 236
ISHARES TR CORE S&P MCP ETF 464287507 154 544 SH   OTR   281 263 0
ISHARES TR RUS 1000 VAL ETF 464287598 2,160 12,864 SH   SOLE   12,864 0 0
ISHARES TR RUS 1000 ETF 464287622 869 3,287 SH   SOLE   3,287 0 0
ISHARES TR RUSSELL 3000 ETF 464287689 289 1,043 SH   SOLE   1,043 0 0
ISHARES TR S&P MC 400VL ETF 464287705 6,639 59,988 SH   SOLE   59,988 0 0
ISHARES TR CORE S&P SCP ETF 464287804 185,972 1,624,069 SH   SOLE   1,623,573 55 441
ISHARES TR CORE S&P SCP ETF 464287804 158 1,377 SH   OTR   692 685 0
ISHARES TR MSCI KLD400 SOC 464288570 519 5,586 SH   SOLE   5,586 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 558,000 10,356,340 SH   SOLE   10,354,204 343 1,793
ISHARES TR ISHS 1-5YR INVS 464288646 307 5,693 SH   OTR   4,293 1,400 0
ISHARES TR 3 7 YR TREAS BD 464288661 705 5,481 SH   SOLE   5,481 0 0
ISHARES TR MSCI USA ESG SLC 464288802 804 7,564 SH   SOLE   7,564 0 0
ISHARES TR CORE MSCI EAFE 46432F842 241,416 3,234,401 SH   SOLE   3,233,446 139 816
ISHARES TR CORE MSCI EAFE 46432F842 174 2,330 SH   OTR   1,396 934 0
ISHARES INC CORE MSCI EMKT 46434G103 175,480 2,931,504 SH   SOLE   2,930,453 154 897
ISHARES INC CORE MSCI EMKT 46434G103 139 2,329 SH   OTR   1,320 1,009 0
ISHARES TR CORE MSCI PAC 46434V696 420 6,572 SH   SOLE   6,572 0 0
ISHARES TR ESG AWARE MSCI 46435U663 202 5,000 SH   SOLE   5,000 0 0
JPMORGAN CHASE & CO COM 46625H100 1,371 8,659 SH   SOLE   8,659 0 0
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 22,729 450,255 SH   SOLE   450,255 0 0
JOHNSON & JOHNSON COM 478160104 1,815 10,608 SH   SOLE   10,608 0 0
LABORATORY CORP AMER HLDGS COM NEW 50540R409 233 740 SH   SOLE   740 0 0
LILLY ELI & CO COM 532457108 332 1,202 SH   SOLE   1,202 0 0
LOCKHEED MARTIN CORP COM 539830109 205 576 SH   SOLE   576 0 0
MARATHON OIL CORP COM 565849106 177 10,773 SH   SOLE   10,773 0 0
MARATHON PETE CORP COM 56585A102 701 10,948 SH   SOLE   10,948 0 0
MCDONALDS CORP COM 580135101 1,526 5,691 SH   SOLE   5,691 0 0
MCDONALDS CORP COM 580135101 54 200 SH   OTR   200 0 0
MERCK & CO INC COM 58933Y105 387 5,049 SH   SOLE   5,049 0 0
MERCK & CO INC COM 58933Y105 31 400 SH   OTR   400 0 0
MICROSOFT CORP COM 594918104 9,660 28,723 SH   SOLE   28,723 0 0
MICROSOFT CORP COM 594918104 15 45 SH   OTR   0 45 0
NEXTERA ENERGY INC COM 65339F101 581 6,223 SH   SOLE   6,223 0 0
NIKE INC CL B 654106103 368 2,205 SH   SOLE   2,205 0 0
NORFOLK SOUTHN CORP COM 655844108 537 1,803 SH   SOLE   1,803 0 0
NVIDIA CORPORATION COM 67066G104 2,166 7,364 SH   SOLE   7,364 0 0
ORACLE CORP COM 68389X105 379 4,343 SH   SOLE   4,343 0 0
ORBITAL ENTERPRISES COM NEW 68557J201 1 33,333 SH   SOLE   33,333 0 0
OTIS WORLDWIDE CORP COM 68902V107 316 3,627 SH   SOLE   3,627 0 0
PPG INDS INC COM 693506107 458 2,655 SH   SOLE   2,655 0 0
PEPSICO INC COM 713448108 1,254 7,219 SH   SOLE   7,219 0 0
PEPSICO INC COM 713448108 35 200 SH   OTR   200 0 0
PFIZER INC COM 717081103 1,479 25,054 SH   SOLE   25,054 0 0
PIMCO ETF TR 1-5 US TIP IDX 72201R205 63,374 1,148,487 SH   SOLE   1,147,732 0 755
PIMCO ETF TR 1-5 US TIP IDX 72201R205 8 136 SH   OTR   136 0 0
PROCTER AND GAMBLE CO COM 742718109 1,653 10,103 SH   SOLE   10,103 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 359 4,167 SH   SOLE   4,167 0 0
S&P GLOBAL INC COM 78409V104 1,109 2,350 SH   SOLE   2,350 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 400,236 842,673 SH   SOLE   841,976 23 674
SPDR S&P 500 ETF TR TR UNIT 78462F103 381 802 SH   OTR   459 343 0
SPDR GOLD TR GOLD SHS 78463V107 1,823 10,666 SH   SOLE   10,666 0 0
SPDR SER TR PORTFOLIO SHORT 78464A474 158,317 5,111,940 SH   SOLE   5,110,870 0 1,070
SPDR SER TR PORTFOLIO SHORT 78464A474 91 2,941 SH   OTR   2,219 722 0
SHOPIFY INC CL A 82509L107 216 157 SH   SOLE   157 0 0
SOUTHERN CO COM 842587107 534 7,793 SH   SOLE   7,793 0 0
SOUTHERN CO COM 842587107 21 300 SH   OTR   300 0 0
STARBUCKS CORP COM 855244109 1,101 9,414 SH   SOLE   9,414 0 0
TARGET CORP COM 87612E106 539 2,331 SH   SOLE   2,331 0 0
TESLA INC COM 88160R101 287 272 SH   SOLE   272 0 0
3M CO COM 88579Y101 385 2,165 SH   SOLE   2,165 0 0
TRUIST FINL CORP COM 89832Q109 248 4,238 SH   SOLE   4,238 0 0
UNION PAC CORP COM 907818108 357 1,419 SH   SOLE   1,419 0 0
UNITEDHEALTH GROUP INC COM 91324P102 589 1,173 SH   SOLE   1,173 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 291 2,600 SH   SOLE   2,600 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702 200 437 SH   SOLE   437 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 377 5,518 SH   SOLE   5,518 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 171,609 2,111,849 SH   SOLE   2,111,849 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 35,049 377,841 SH   SOLE   377,841 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 26,436 93,813 SH   SOLE   93,685 12 116
VANGUARD INDEX FDS MID CAP ETF 922908629 231 907 SH   SOLE   907 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 439 1,988 SH   SOLE   1,988 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 32,049 99,871 SH   SOLE   99,739 9 123
VANGUARD INDEX FDS VALUE ETF 922908744 413,290 2,809,394 SH   SOLE   2,808,644 148 602
VANGUARD INDEX FDS VALUE ETF 922908744 214 1,453 SH   OTR   897 556 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 882 3,655 SH   SOLE   3,655 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 1,472 28,323 SH   SOLE   25,949 0 2,374
VERIZON COMMUNICATIONS INC COM 92343V104 41 782 SH   OTR   782 0 0
VISA INC COM CL A 92826C839 230 1,060 SH   SOLE   1,060 0 0
WALMART INC COM 931142103 664 4,587 SH   SOLE   4,587 0 0
XYLEM INC COM 98419M100 348 2,900 SH   SOLE   2,800 0 100