The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AT&T INC COM 00206R102 633 41,235 SH   SOLE   34,439 0 6,796
AT&T INC COM 00206R102 17 1,100 SH   OTR   1,100 0 0
ABBOTT LABS COM 002824100 457 4,728 SH   SOLE   4,728 0 0
ABBVIE INC COM 00287Y109 661 4,924 SH   SOLE   4,924 0 0
ALPHABET INC CAP STK CL C 02079K107 461 4,796 SH   SOLE   4,796 0 0
ALPHABET INC CAP STK CL A 02079K305 335 3,500 SH   SOLE   3,500 0 0
AMAZON COM INC COM 023135106 551 4,878 SH   SOLE   4,878 0 0
AMAZON COM INC COM 023135106 23 200 SH   OTR   200 0 0
AMERICAN EXPRESS CO COM 025816109 401 2,969 SH   SOLE   2,969 0 0
AMGEN INC COM 031162100 406 1,803 SH   SOLE   1,803 0 0
APPLE INC COM 037833100 2,651 19,184 SH   SOLE   19,184 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 507 2,242 SH   SOLE   2,242 0 0
BECTON DICKINSON & CO COM 075887109 213 955 SH   SOLE   955 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 517 1,935 SH   SOLE   1,935 0 0
BOEING CO COM 097023105 319 2,638 SH   SOLE   2,638 0 0
BOOZ ALLEN HAMILTON HLDG COR CL A 099502106 545 5,902 SH   SOLE   5,902 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 252 3,540 SH   SOLE   3,540 0 0
CVS HEALTH CORP COM 126650100 207 2,168 SH   SOLE   2,168 0 0
CARRIER GLOBAL CORPORATION COM 14448C104 216 6,082 SH   SOLE   6,082 0 0
CATERPILLAR INC COM 149123101 1,792 10,921 SH   SOLE   10,921 0 0
CHEVRON CORP NEW COM 166764100 679 4,729 SH   SOLE   4,729 0 0
CISCO SYS INC COM 17275R102 432 10,793 SH   SOLE   10,793 0 0
COCA COLA CO COM 191216100 566 10,111 SH   SOLE   10,111 0 0
COMCAST CORP NEW CL A 20030N101 361 12,323 SH   SOLE   10,317 0 2,006
CONOCOPHILLIPS COM 20825C104 400 3,913 SH   SOLE   3,913 0 0
CONSOLIDATED EDISON INC COM 209115104 208 2,420 SH   SOLE   2,420 0 0
COSTCO WHSL CORP NEW COM 22160K105 657 1,391 SH   SOLE   1,391 0 0
DANAHER CORPORATION COM 235851102 1,720 6,658 SH   SOLE   6,658 0 0
DISNEY WALT CO COM 254687106 253 2,685 SH   SOLE   2,685 0 0
DOMINION ENERGY INC COM 25746U109 647 9,368 SH   SOLE   9,368 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 655 7,043 SH   SOLE   7,043 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 28 300 SH   OTR   300 0 0
ETF SER SOLUTIONS VIDENT INTL EQ 26922A404 364 18,952 SH   SOLE   18,952 0 0
ETF SER SOLUTIONS VIDENTCORE EQ FD 26922A503 624 16,691 SH   SOLE   16,691 0 0
ETF SER SOLUTIONS VIDENT CORE US 26922A602 235 5,532 SH   SOLE   5,532 0 0
EMERSON ELEC CO COM 291011104 223 3,047 SH   SOLE   3,047 0 0
EXPEDITORS INTL WASH INC COM 302130109 215 2,434 SH   SOLE   2,434 0 0
EXXON MOBIL CORP COM 30231G102 2,279 26,103 SH   SOLE   26,103 0 0
GENERAL ELECTRIC CO COM NEW 369604301 212 3,425 SH   SOLE   3,425 0 0
GENERAL MLS INC COM 370334104 316 4,131 SH   SOLE   4,131 0 0
HERSHEY CO COM 427866108 437 1,980 SH   SOLE   1,980 0 0
HOME DEPOT INC COM 437076102 967 3,503 SH   SOLE   3,503 0 0
HONEYWELL INTL INC COM 438516106 296 1,774 SH   SOLE   1,774 0 0
INTEL CORP COM 458140100 356 13,815 SH   SOLE   13,815 0 0
INTEL CORP COM 458140100 41 1,600 SH   OTR   1,600 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 3,304 27,807 SH   SOLE   27,732 0 75
ISHARES TR CORE S&P500 ETF 464287200 543 1,514 SH   SOLE   1,514 0 0
ISHARES TR CORE US AGGBD E 464287226 390,728 4,055,717 SH   SOLE   4,053,798 122 1,797
ISHARES TR CORE US AGGBD ET 464287226 326 3,382 SH   OTR   3,382 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 845 24,221 SH   SOLE   24,221 0 0
ISHARES TR IBOXX INV CP ETF 464287242 280,549 2,738,404 SH   SOLE   2,737,872 90 442
ISHARES TR IBOXX INV CP ETF 464287242 145 1,414 SH   OTR   1,414 0 0
ISHARES TR 7-10 YR TRSY BD 464287440 639 6,660 SH   SOLE   6,660 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 134,850 1,660,504 SH   SOLE   1,659,845 0 659
ISHARES TR 1 3 YR TREAS BD 464287457 84 1,030 SH   OTR   1,030 0 0
ISHARES TR MSCI EAFE ETF 464287465 2,939 52,465 SH   SOLE   51,915 0 550
ISHARES TR CORE S&P MCP ETF 464287507 181,339 827,052 SH   SOLE   826,804 33 215
ISHARES TR CORE S&P MCP ETF 464287507 143 652 SH   OTR   389 263 0
ISHARES TR RUS 1000 VAL ETF 464287598 1,436 10,562 SH   SOLE   10,562 0 0
ISHARES TR RUS 1000 ETF 464287622 546 2,766 SH   SOLE   2,766 0 0
ISHARES TR RUSSELL 3000 ETF 464287689 216 1,043 SH   SOLE   1,043 0 0
ISHARES TR S&P MC 400VL ETF 464287705 4,667 51,856 SH   SOLE   51,856 0 0
ISHARES TR CORE S&P SCP ETF 464287804 173,236 1,986,874 SH   SOLE   1,986,416 63 395
ISHARES TR CORE S&P SCP ETF 464287804 146 1,669 SH   OTR   984 685 0
ISHARES TR MSCI KLD400 SOC 464288570 371 5,535 SH   SOLE   5,535 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 338,945 6,877,949 SH   SOLE   6,876,965 48 936
ISHARES TR ISHS 1-5YR INVS 464288646 180 3,646 SH   OTR   3,646 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 377 3,296 SH   SOLE   3,296 0 0
ISHARES TR MSCI USA ESG SLC 464288802 628 8,270 SH   SOLE   8,270 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 361 3,472 SH   SOLE   3,472 0 0
ISHARES TR MSCI USA MMENTM 46432F396 252 1,921 SH   SOLE   1,921 0 0
ISHARES TR CORE MSCI EAFE 46432F842 254,123 4,824,811 SH   SOLE   4,823,784 193 834
ISHARES TR CORE MSCI EAFE 46432F842 201 3,823 SH   OTR   2,343 1,480 0
ISHARES INC CORE MSCI EMKT 46434G103 183,584 4,271,386 SH   SOLE   4,270,169 211 1,006
ISHARES INC CORE MSCI EMKT 46434G103 149 3,467 SH   OTR   1,970 1,497 0
JPMORGAN CHASE & CO COM 46625H100 1,023 9,787 SH   SOLE   9,787 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 2,932 58,445 SH   SOLE   58,445 0 0
JOHNSON & JOHNSON COM 478160104 1,639 10,033 SH   SOLE   10,033 0 0
LAKELAND FINL CORP COM 511656100 510 7,000 SH   SOLE   7,000 0 0
LOCKHEED MARTIN CORP COM 539830109 219 567 SH   SOLE   567 0 0
LOWES COS INC COM 548661107 214 1,142 SH   SOLE   1,142 0 0
MARATHON OIL CORP COM 565849106 243 10,773 SH   SOLE   10,773 0 0
MARATHON PETE CORP COM 56585A102 1,087 10,948 SH   SOLE   10,948 0 0
MCDONALDS CORP COM 580135101 1,246 5,402 SH   SOLE   5,402 0 0
MCDONALDS CORP COM 580135101 46 200 SH   OTR   200 0 0
MERCK & CO INC COM 58933Y105 398 4,626 SH   SOLE   4,626 0 0
MERCK & CO INC COM 58933Y105 34 400 SH   OTR   400 0 0
MICROSOFT CORP COM 594918104 6,117 26,266 SH   SOLE   26,266 0 0
NEXTERA ENERGY INC COM 65339F101 690 8,802 SH   SOLE   8,802 0 0
NORFOLK SOUTHN CORP COM 655844108 388 1,851 SH   SOLE   1,851 0 0
NVIDIA CORPORATION COM 67066G104 1,695 13,963 SH   SOLE   13,963 0 0
ORACLE CORP COM 68389X105 278 4,546 SH   SOLE   4,546 0 0
OTIS WORLDWIDE CORP COM 68902V107 221 3,461 SH   SOLE   3,461 0 0
PPG INDS INC COM 693506107 297 2,680 SH   SOLE   2,680 0 0
PEPSICO INC COM 713448108 1,180 7,230 SH   SOLE   7,230 0 0
PEPSICO INC COM 713448108 33 200 SH   OTR   200 0 0
PFIZER INC COM 717081103 1,218 27,842 SH   SOLE   27,842 0 0
PIMCO ETF TR 1-5 US TIP IDX 72201R205 486 9,842 SH   SOLE   9,842 0 0
PROCTER AND GAMBLE CO COM 742718109 1,148 9,096 SH   SOLE   9,096 0 0
QUALCOMM INC COM 747525103 245 2,165 SH   SOLE   2,165 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 330 4,030 SH   SOLE   4,030 0 0
S&P GLOBAL INC COM 78409V104 699 2,289 SH   SOLE   2,289 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 390,836 1,094,227 SH   SOLE   1,093,569 25 633
SPDR S&P 500 ETF TR TR UNIT 78462F103 347 971 SH   OTR   628 343 0
SPDR GOLD TR GOLD SHS 78463V107 1,003 6,482 SH   SOLE   6,482 0 0
SPDR SER TR PORTFOLIO SHORT 78464A474 21,282 728,346 SH   SOLE   727,998 0 348
SEMPRA COM 816851109 226 1,506 SH   SOLE   1,506 0 0
SOUTHERN CO COM 842587107 531 7,805 SH   SOLE   7,805 0 0
SOUTHERN CO COM 842587107 20 300 SH   OTR   300 0 0
STARBUCKS CORP COM 855244109 803 9,533 SH   SOLE   9,533 0 0
TARGET CORP COM 87612E106 413 2,781 SH   SOLE   2,781 0 0
3M CO COM 88579Y101 239 2,161 SH   SOLE   2,161 0 0
UNION PAC CORP COM 907818108 297 1,525 SH   SOLE   1,525 0 0
UNITEDHEALTH GROUP INC COM 91324P102 530 1,050 SH   SOLE   1,050 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 270 2,850 SH   SOLE   2,850 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 52,845 711,424 SH   SOLE   711,424 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 118,180 1,561,578 SH   SOLE   1,561,578 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 359 1,095 SH   SOLE   1,095 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 27,582 141,350 SH   SOLE   141,215 19 116
VANGUARD INDEX FDS LARGE CAP ETF 922908637 325 1,988 SH   SOLE   1,988 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 26,417 123,475 SH   SOLE   123,340 12 123
VANGUARD INDEX FDS VALUE ETF 922908744 368,220 2,982,018 SH   SOLE   2,981,415 133 470
VANGUARD INDEX FDS VALUE ETF 922908744 226 1,827 SH   OTR   1,149 678 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 550 3,065 SH   SOLE   3,065 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 983 25,900 SH   SOLE   23,526 0 2,374
VERIZON COMMUNICATIONS INC COM 92343V104 30 782 SH   OTR   782 0 0
WALMART INC COM 931142103 489 3,767 SH   SOLE   3,767 0 0
XYLEM INC COM 98419M100 253 2,900 SH   SOLE   2,800 0 100