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
Abbott Laboratories Common Stock 002824100 2,012 17 PRN   OTR 0 17 0 0
AbbVie Inc. Common Stock 00287Y109 2,755 17 PRN   OTR 0 17 0 0
Accenture PLC New Common Stock G1151C101 1,686 5 PRN   OTR 0 5 0 0
Activision Blizzard Inc Common Stock 00507V109 640 8 PRN   OTR 0 8 0 0
Adobe Systems, Inc. Common Stock 00724F101 1,822 4 PRN   OTR 0 4 0 0
Advanced Micro Devices Inc Common Stock 007903107 1,421 13 PRN   OTR 0 13 0 0
AFLAC, Inc. Com Common Stock 001055102 450 7 PRN   OTR 0 7 0 0
Agilent Tech, Inc. Common Stock 00846U101 396 3 PRN   OTR 0 3 0 0
Akamai Technologies, Inc. Common Stock 00971T101 119 1 PRN   OTR 0 1 0 0
ALIGN TECHNOLOGY Common Stock 016255101 436 1 PRN   OTR 0 1 0 0
Allstate Corp. Common Stock 020002101 415 3 PRN   OTR 0 3 0 0
Alphabet Inc. C Common Stock 02079K107 8,378 3 PRN   OTR 0 3 0 0
Alphabet Inc. Class A Common Stock 02079K305 47,319,107 17,013 PRN   OTR 0 16,793 0 220
Amazon.Com, Inc. Common Stock 023135106 48,922,069 15,007 PRN   OTR 0 14,785 0 222
American Express Co. Common Stock 025816109 44,228,492 236,516 PRN   OTR 0 233,106 0 3,410
American International Group Inc. Corp. Common Stock 026874784 564 9 PRN   OTR 0 9 0 0
Ameriprise Fin'l, Inc. Common Stock 03076C106 300 1 PRN   OTR 0 1 0 0
Amerisourcebergen Corp Common Stock 03073E105 154 1 PRN   OTR 0 1 0 0
Amgen, Inc. Common Stock 031162100 1,450 6 PRN   OTR 0 6 0 0
AMPHENOL CORP NEW CL A Common Stock 032095101 376 5 PRN   OTR 0 5 0 0
Analog Devices, Inc. Common Stock 032654105 660 4 PRN   OTR 0 4 0 0
Ansys, Inc Common Stock 03662Q105 317 1 PRN   OTR 0 1 0 0
ANTHEM INC COM Common Stock 036752103 982 2 PRN   OTR 0 2 0 0
AON Plc Common Stock G0403H108 651 2 PRN   OTR 0 2 0 0
Apache Corp. Common Stock 03743Q108 82 2 PRN   OTR 0 2 0 0
Apple, Inc. Common Stock 037833100 44,669,079 255,822 PRN   OTR 0 252,155 0 3,667
Applied Materials, Inc. Common Stock 038222105 922 7 PRN   OTR 0 7 0 0
Aptiv PLC Common Stock G6095L109 239 2 PRN   OTR 0 2 0 0
Arista Networks Common Stock 040413106 277 2 PRN   OTR 0 2 0 0
ASSURANT INC COM Common Stock 04621X108 181 1 PRN   OTR 0 1 0 0
AT&T, Inc. Common Stock 00206R102 1,677 71 PRN   OTR 0 71 0 0
Autodesk, Inc. Common Stock 052769106 428 2 PRN   OTR 0 2 0 0
Automatic Data Processing Inc. Common Stock 053015103 682 3 PRN   OTR 0 3 0 0
Baker Hughes A GE CO Common Stock 05722G100 145 4 PRN   OTR 0 4 0 0
Bank of America Corp Common Stock 060505104 42,223,047 1,024,334 PRN   OTR 0 1,009,460 0 14,874
Bank of New York, Inc Common Stock 064058100 446 9 PRN   OTR 0 9 0 0
Bath & Body Works Inc Common Stock 070830104 95 2 PRN   OTR 0 2 0 0
Baxter International Inc. Common Stock 071813109 387 5 PRN   OTR 0 5 0 0
Becton Dickinson Co. Common Stock 075887109 778 3 PRN   OTR 0 3 0 0
Berkley WR CP Common Stock 084423102 199 3 PRN   OTR 0 3 0 0
Berkshire Hathaway, Inc. CL. B Common Stock 084670702 7,411 21 PRN   OTR 0 21 0 0
Best Buy Co., Inc. Common Stock 086516101 90 1 PRN   OTR 0 1 0 0
Biogen, Inc. Common Stock 09062X103 210 1 PRN   OTR 0 1 0 0
BLACKROCK INC COM Common Stock 09247X101 1,528 2 PRN   OTR 0 2 0 0
Borg Warner Inc Common Stock 099724106 77 2 PRN   OTR 0 2 0 0
Boston Scientific Corp Common Stock 101137107 620 14 PRN   OTR 0 14 0 0
Bristol-Myers Squibb Common Stock 110122108 1,606 22 PRN   OTR 0 22 0 0
BROADCOM INC Common Stock 11135F101 1,889 3 PRN   OTR 0 3 0 0
Broadridge Financial Solutions Common Stock 11133T103 155 1 PRN   OTR 0 1 0 0
Brown & Brown, Inc. Common Stock 115236101 216 3 PRN   OTR 0 3 0 0
CADENCE DESIGN SYSTEMS, INC. Common Stock 127387108 328 2 PRN   OTR 0 2 0 0
Caesars Entertainment Inc Common Stock 12769G100 77 1 PRN   OTR 0 1 0 0
Capital One Financial Corp. Common Stock 14040H105 656 5 PRN   OTR 0 5 0 0
Cardinal Health Inc Common Stock 14149Y108 170 3 PRN   OTR 0 3 0 0
Carmax, Inc. Common Stock 143130102 96 1 PRN   OTR 0 1 0 0
Carnival Corp Paired Ctf Common Stock 143658300 101 5 PRN   OTR 0 5 0 0
Catalent Inc Common Stock 148806102 221 2 PRN   OTR 0 2 0 0
CBOE Holdings Inc. Common Stock 12503M108 114 1 PRN   OTR 0 1 0 0
CDW Corporation Common Stock 12514G108 178 1 PRN   OTR 0 1 0 0
Centene Corp. Common Stock 15135B101 505 6 PRN   OTR 0 6 0 0
Ceridian HCM Holdings Common Stock 15677J108 68 1 PRN   OTR 0 1 0 0
Cerner Corp. Common Stock 156782104 280 3 PRN   OTR 0 3 0 0
Charles Schwab Corporation Common Stock 808513105 1,433 17 PRN   OTR 0 17 0 0
Charter Communications Inc. Common Stock 16119P108 545 1 PRN   OTR 0 1 0 0
Chevron Corp. Common Stock 166764100 44,113,252 270,916 PRN   OTR 0 267,041 0 3,875
Chicago Mercantile Exchange Common Stock 12572Q105 951 4 PRN   OTR 0 4 0 0
CIGNA Corp. Common Stock 125523100 718 3 PRN   OTR 0 3 0 0
CINCINNATI FINL CORP COM Common Stock 172062101 271 2 PRN   OTR 0 2 0 0
Cisco Systems, Inc. Common Stock 17275R102 1,895 34 PRN   OTR 0 34 0 0
Citigroup Inc. com New Common Stock 172967424 1,228 23 PRN   OTR 0 23 0 0
Citizens Financial Common Stock 174610105 226 5 PRN   OTR 0 5 0 0
Citrix Systems Common Stock 177376100 100 1 PRN   OTR 0 1 0 0
Cognizant Tech Solutions Corp. Common Stock 192446102 358 4 PRN   OTR 0 4 0 0
Comcast Corp. Cl.A Common Stock 20030N101 44,006,820 939,915 PRN   OTR 0 926,355 0 13,560
Comerica, Inc. Common Stock 200340107 90 1 PRN   OTR 0 1 0 0
Communication Services Sel Sect SPDR Fd Common Stock 81369Y852 203,359,349 2,956,664 PRN   OTR 0 2,945,885 0 10,779
ConocoPhillips Common Stock 20825C104 600 6 PRN   OTR 0 6 0 0
Consumer Discretionary Select Sect SPDR Fd Common Stock 81369Y407 175,095,070 946,459 PRN   OTR 0 943,027 0 3,432
Consumer Staples Select Sector SPDR Fund Common Stock 81369Y308 30,052 396 PRN   OTR 0 396 0 0
Corning, Inc. Common Stock 219350105 221 6 PRN   OTR 0 6 0 0
Coterra Energy Inc. Common Stock 127097103 80 3 PRN   OTR 0 3 0 0
CVS Health Corp. Common Stock 126650100 1,315 13 PRN   OTR 0 13 0 0
D B A CHUBB LIMITED Common Stock h1467j104 1,069 5 PRN   OTR 0 5 0 0
D R HORTON INC COM Common Stock 23331A109 149 2 PRN   OTR 0 2 0 0
Danaher Corp Common Stock 235851102 1,759 6 PRN   OTR 0 6 0 0
Darden Restaurants Common Stock 237194105 132 1 PRN   OTR 0 1 0 0
Davita, Inc. Common Stock 23918K108 113 1 PRN   OTR 0 1 0 0
Dentsply Sirona Inc Common Stock 24906P109 98 2 PRN   OTR 0 2 0 0
Devon Energy Corp. New Common Stock 25179M103 177 3 PRN   OTR 0 3 0 0
Dexcom Inc Common Stock 252131107 511 1 PRN   OTR 0 1 0 0
DIAMONDBACK ENERGY INC Common Stock 25278X109 137 1 PRN   OTR 0 1 0 0
Discover Financial Services Common Stock 254709108 330 3 PRN   OTR 0 3 0 0
Discovery Inc. CL A Common Stock 25470F104 49 2 PRN   OTR 0 2 0 0
Discovery Inc. Cl C Common Stock 25470F302 74 3 PRN   OTR 0 3 0 0
Dish Networks Corp Cl A Common Stock 25470M109 63 2 PRN   OTR 0 2 0 0
Disney, Walt Co. Common Stock 254687106 42,921,067 312,927 PRN   OTR 0 308,270 0 4,657
Dollar General Corp Common Stock 256677105 222 1 PRN   OTR 0 1 0 0
Dollar Tree, Inc. Common Stock 256746108 160 1 PRN   OTR 0 1 0 0
DXC Technology Common Stock 23355L106 65 2 PRN   OTR 0 2 0 0
eBay, Inc. Common Stock 278642103 229 4 PRN   OTR 0 4 0 0
EDWARDS LIFESCIENCES COM Common Stock 28176E108 706 6 PRN   OTR 0 6 0 0
Electronic Arts Inc Common Stock 285512109 379 3 PRN   OTR 0 3 0 0
Energy Select Sector SPDR Common Stock 81369Y506 39,199,960 512,820 PRN   OTR 0 510,976 0 1,844
Enphase Energy Common Stock 29355A107 201 1 PRN   OTR 0 1 0 0
EOG Resources, Inc. Common Stock 26875P101 238 2 PRN   OTR 0 2 0 0
Etsy Inc Common Stock 29786A106 124 1 PRN   OTR 0 1 0 0
Expedia Inc Common Stock 30212P303 195 1 PRN   OTR 0 1 0 0
Exxon Mobil Corp Common Stock 30231G102 1,486 18 PRN   OTR 0 18 0 0
FIDELITY NATL INFO SVC COM Common Stock 31620M106 502 5 PRN   OTR 0 5 0 0
Fifth Third Bancorp Common Stock 316773100 344 8 PRN   OTR 0 8 0 0
Financial Select Sector SPDR Common Stock 81369Y605 247,972,552 6,471,100 PRN   OTR 0 6,447,775 0 23,325
First Rep BK San Fran CA Common Stock 33616C100 324 2 PRN   OTR 0 2 0 0
First Trust STOXX Euro Di Common Stock 33735T109 3,933 296 PRN   OTR 0 296 0 0
FISERV, Inc. Common Stock 337738108 507 5 PRN   OTR 0 5 0 0
Fleetcor Technologies Common Stock 339041105 249 1 PRN   OTR 0 1 0 0
Ford Mtr Co. Common Stock 345370860 422 25 PRN   OTR 0 25 0 0
FORTINET INC Common Stock 34959E109 341 1 PRN   OTR 0 1 0 0
Fox Corp Cl A Common Stock 35137L105 118 3 PRN   OTR 0 3 0 0
Fox Corp CL B Common Stock 35137L204 36 1 PRN   OTR 0 1 0 0
Franklin Resources Common Stock 354613101 83 3 PRN   OTR 0 3 0 0
Gallager Arthur J Common Stock 363576109 349 2 PRN   OTR 0 2 0 0
GARMIN LTD. Common Stock H2906T109 118 1 PRN   OTR 0 1 0 0
Gartner Inc. Common Stock 366651107 297 1 PRN   OTR 0 1 0 0
General Motors Corp. Common Stock 37045V100 393 9 PRN   OTR 0 9 0 0
GENUINE PARTS CO COM Common Stock 372460105 126 1 PRN   OTR 0 1 0 0
Gilead Sciences, Inc. Common Stock 375558103 713 12 PRN   OTR 0 12 0 0
GLOBAL PMTS INC COM Common Stock 37940X102 273 2 PRN   OTR 0 2 0 0
Global X MLP & Energy Infrastructure ETF Common Stock 37954Y293 113,507 2,657 PRN   OTR 0 2,657 0 0
Globe Life Inc Common Stock 37959E102 100 1 PRN   OTR 0 1 0 0
Goldman Sachs Group Common Stock 38141G104 1,320 4 PRN   OTR 0 4 0 0
Halliburton Co Holdings Co. Common Stock 406216101 151 4 PRN   OTR 0 4 0 0
Hartford Financial Services Group Inc. Common Stock 416515104 287 4 PRN   OTR 0 4 0 0
Hasbro Inc Common Stock 418056107 81 1 PRN   OTR 0 1 0 0
HCA Holdings, Inc. Common Stock 40412C101 501 2 PRN   OTR 0 2 0 0
Health Care Select Sector SPDR Fund Common Stock 81369Y209 330,580,661 2,413,173 PRN   OTR 0 2,404,465 0 8,708
HENRY JACK & ASSOC INC COM Common Stock 426281101 197 1 PRN   OTR 0 1 0 0
Hess Corporation Common Stock 42809H107 107 1 PRN   OTR 0 1 0 0
HEWLETT PACKARD ENTERPRISE Common Stock 42824C109 183 11 PRN   OTR 0 11 0 0
Hewlett-Packard Co. Common Stock 40434L105 326 9 PRN   OTR 0 9 0 0
HILTON WORLDWIDE HLDGS INC COM Common Stock 43300A203 303 2 PRN   OTR 0 2 0 0
Hologic Inc. Common Stock 436440101 153 2 PRN   OTR 0 2 0 0
Home Depot Inc. Common Stock 437076102 42,898,179 143,314 PRN   OTR 0 141,254 0 2,060
Honeywell Intl. Inc. Common Stock 438516106 308,798 1,587 PRN   OTR 0 1,587 0 0
Humana Inc. Common Stock 444859102 435 1 PRN   OTR 0 1 0 0
HUNTINGTON BANCSHARES COM Common Stock 446150104 233 16 PRN   OTR 0 16 0 0
IDEXX Laboratories Inc Common Stock 45168D104 547 1 PRN   OTR 0 1 0 0
Illumina Inc Common Stock 452327109 698 2 PRN   OTR 0 2 0 0
Incyte Corporation Common Stock 45337C102 158 2 PRN   OTR 0 2 0 0
Industrial Select Sector SPDR Common Stock 81369Y704 377,112 3,662 PRN   OTR 0 3,662 0 0
Intel Corp. Common Stock 458140100 1,635 33 PRN   OTR 0 33 0 0
INTERCONTINENTAL EXCH EXCHANGE Common Stock 45866F104 792 6 PRN   OTR 0 6 0 0
Interpublic Group of Companies Inc. Common Stock 460690100 141 4 PRN   OTR 0 4 0 0
Int'l Business Machines Common Stock 459200101 910 7 PRN   OTR 0 7 0 0
Intuit Inc Common Stock 461202103 961 2 PRN   OTR 0 2 0 0
Intuitive Surgical Common Stock 46120E602 1,206 4 PRN   OTR 0 4 0 0
Invesco Optimum Yield Dvsfd ETF Common Stock 46090F100 146,976 8,332 PRN   OTR 0 8,332 0 0
Inveso Ltd Common Stock G491BT108 92 4 PRN   OTR 0 4 0 0
Iqvia Holdins Inc Common Stock 46266C105 462 2 PRN   OTR 0 2 0 0
Ishare Msci Netherland Common Stock 464286814 10,963 259 PRN   OTR 0 259 0 0
iShares 0-5 Yr Hi Yd Bd ETF Common Stock 46434V407 59,544,435 1,354,514 PRN   OTR 0 1,349,146 0 5,368
iShares 0-5 Yr TIPS Bond ETF Common Stock 46429B747 30,117 287 PRN   OTR 0 287 0 0
iShares Asia Pacific Div ETF Common Stock 464286293 4,340 114 PRN   OTR 0 114 0 0
iShares Barclays 3 to 7 yr Trsy Bd Fd Common Stock 464288661 84,946 696 PRN   OTR 0 696 0 0
iShares Broad USD High Yield Common Stock 46435U853 5,945 153 PRN   OTR 0 153 0 0
iShares Core Growth Allocation ETF Common Stock 464289867 12,693,712 235,243 PRN   OTR 0 234,899 0 344
iShares Core MSCI Europe ETF Common Stock 46434V738 154,530,659 2,893,832 PRN   OTR 0 2,881,877 0 11,955
iShares iBoxx $ Invest. Grade Corp Bd ETF Common Stock 464287242 22,615 187 PRN   OTR 0 187 0 0
Ishares Inc Mexico Free Index Fd. Common Stock 464286822 934 17 PRN   OTR 0 17 0 0
Ishares Inc MSCI South Korea Index Fd. Common Stock 464286772 13,106 184 PRN   OTR 0 184 0 0
iShares Int Rate Hedged Corp Bd ETF Common Stock 46431W705 14,216 152 PRN   OTR 0 152 0 0
ishares Mortgage Real Estate ETF Common Stock 46435G342 4,835 148 PRN   OTR 0 148 0 0
iShares MSCI ACWI ETF Common Stock 464288257 8,690,738 87,099 PRN   OTR 0 86,920 0 179
iShares MSCI All Country Asia ex Japan ETF Common Stock 464288182 1,725 23 PRN   OTR 0 23 0 0
iShares MSCI France ETF Common Stock 464286707 29,111 824 PRN   OTR 0 824 0 0
iShares MSCI Germany ETF Common Stock 464286806 21,008 740 PRN   OTR 0 740 0 0
iShares North America Tech ETF Common Stock 464287549 170,907,426 439,769 PRN   OTR 0 438,183 0 1,586
iShares Russell 1000 Index Common Stock 464287622 254,821 1,019 PRN   OTR 0 1,019 0 0
iShares Russell 2000 Index Common Stock 464287655 39,206 191 PRN   OTR 0 191 0 0
iShares Russell 3000 ETF Common Stock 464287689 70,315 268 PRN   OTR 0 268 0 0
iShares S&P 500 Index Common Stock 464287200 140,190 309 PRN   OTR 0 309 0 0
iShares U.S. Financial Srvcs Common Stock 464287770 80,610,575 447,017 PRN   OTR 0 445,472 0 1,545
iShares US Preferred ETF Common Stock 464288687 8,850 243 PRN   OTR 0 243 0 0
Johnson & Johnson Common Stock 478160104 44,860,989 253,123 PRN   OTR 0 249,497 0 3,626
JPMorgan Chase & Co. Common Stock 46625H100 43,396,245 318,341 PRN   OTR 0 313,755 0 4,586
Juniper Common Stock 48203R104 111 3 PRN   OTR 0 3 0 0
Keycorp New Common Stock 493267108 246 11 PRN   OTR 0 11 0 0
Keysight Technologies Inc Common Stock 49338L103 157 1 PRN   OTR 0 1 0 0
Kinder Morgan Inc Common Stock 49456B101 151 8 PRN   OTR 0 8 0 0
KLA-Tencor Corp Common Stock 482480100 366 1 PRN   OTR 0 1 0 0
Laboratory Corp. Amer. Common Stock 50540R409 263 1 PRN   OTR 0 1 0 0
Lam Research Corp Common Stock 512807108 537 1 PRN   OTR 0 1 0 0
Las Vegas Sands Corp Common Stock 517834107 77 2 PRN   OTR 0 2 0 0
Lennar Corp. Cl A Common Stock 526057104 162 2 PRN   OTR 0 2 0 0
LILLY ELI & CO Common Stock 532457108 2,290 8 PRN   OTR 0 8 0 0
Lincoln National Corp. Common Stock 534187109 130 2 PRN   OTR 0 2 0 0
Live Nation Inc. Common Stock 538034109 117 1 PRN   OTR 0 1 0 0
LKQ CORPORATION Common Stock 501889208 90 2 PRN   OTR 0 2 0 0
Loews Corporation Common Stock 540424108 129 2 PRN   OTR 0 2 0 0
Lowes Cos. Inc. Common Stock 548661107 808 4 PRN   OTR 0 4 0 0
Lumen Technologies Common Stock 550241103 101 9 PRN   OTR 0 9 0 0
M&T Bank Corporation Common Stock 55261F104 169 1 PRN   OTR 0 1 0 0
Marathon Oil Corp Common Stock 565849106 75 3 PRN   OTR 0 3 0 0
MARATHON PETROLEUM CORPORATION COMMON STOC Common Stock 56585A102 256 3 PRN   OTR 0 3 0 0
Marriot Int'l Inc. Common Stock 571903202 351 2 PRN   OTR 0 2 0 0
Marsh & Mclennan Cos Common Stock 571748102 1,022 6 PRN   OTR 0 6 0 0
Mastercard Inc. Common Stock 57636Q104 45,818,260 128,206 PRN   OTR 0 126,363 0 1,843
Match Group Inc Common Stock 57667L107 326 3 PRN   OTR 0 3 0 0
McDonalds Corp Common Stock 580135101 1,236 5 PRN   OTR 0 5 0 0
McKesson Corp. Common Stock 58155Q103 306 1 PRN   OTR 0 1 0 0
Medtronic Inc. Common Stock G5960L103 45,248,627 407,829 PRN   OTR 0 401,941 0 5,888
Merck & Co Inc Common Stock 58933Y105 2,051 25 PRN   OTR 0 25 0 0
Meta Platforms Inc. Common Stock 30303M102 91,612 412 PRN   OTR 0 412 0 0
Metlife Inc Com Common Stock 59156R108 562 8 PRN   OTR 0 8 0 0
MGM Resorts International Common Stock 552953101 83 2 PRN   OTR 0 2 0 0
Microchip Technology Inc. Common Stock 595017104 300 4 PRN   OTR 0 4 0 0
Micron Technology Inc Com Common Stock 595112103 701 9 PRN   OTR 0 9 0 0
Microsoft Corp Common Stock 594918104 44,774,628 145,226 PRN   OTR 0 143,145 0 2,081
Moderna Inc. Common Stock 60770K107 516 3 PRN   OTR 0 3 0 0
Molina Healthcare, Inc. Common Stock 60855R100 333 1 PRN   OTR 0 1 0 0
Moodys Corp Com Common Stock 615369105 674 2 PRN   OTR 0 2 0 0
Morgan Stanley Common Stock 617446448 1,398 16 PRN   OTR 0 16 0 0
Motorola Solutions Inc Common Stock 620076307 242 1 PRN   OTR 0 1 0 0
MSCI Inc. Common Stock 55354G100 502 1 PRN   OTR 0 1 0 0
Nasdaq Stock Market (The) Common Stock 631103108 178 1 PRN   OTR 0 1 0 0
Netapp, Inc. Common Stock 64110D104 166 2 PRN   OTR 0 2 0 0
Netflix Inc Common Stock 64110L106 1,498 4 PRN   OTR 0 4 0 0
Newell Rubbermaid Inc Com Common Stock 651229106 42 2 PRN   OTR 0 2 0 0
News Corp. Inc. Class A Common Stock 65249B109 88 4 PRN   OTR 0 4 0 0
News Corp. Inc. Class B Common Stock 65249B208 22 1 PRN   OTR 0 1 0 0
NIKE INC CLASS B Common Stock 654106103 1,076 8 PRN   OTR 0 8 0 0
Northern Tr Corp Common Stock 665859104 232 2 PRN   OTR 0 2 0 0
NortonLife Lock Inc Common Stock 668771108 132 5 PRN   OTR 0 5 0 0
NORWEGIAN CRUISE LINE HLDS INC Common Stock G66721104 43 2 PRN   OTR 0 2 0 0
NVIDIA Corp Common Stock 67066G104 21,542,024 78,949 PRN   OTR 0 77,802 0 1,147
NXP SEMICONDUCTORS N.V. Common Stock N6596X109 370 2 PRN   OTR 0 2 0 0
Occidental Petroleum Corp Common Stock 674599105 226 4 PRN   OTR 0 4 0 0
Omnicom Group Common Stock 681919106 169 2 PRN   OTR 0 2 0 0
ONEOK INC NEW COM Common Stock 682680103 141 2 PRN   OTR 0 2 0 0
Oracle Corp. Common Stock 68389X105 1,075 13 PRN   OTR 0 13 0 0
ORGANON & CO Common Stock 68622V106 69 2 PRN   OTR 0 2 0 0
Paramount Global Common Stock 92556H206 226 6 PRN   OTR 0 6 0 0
Paychex Inc Common Stock 704326107 409 3 PRN   OTR 0 3 0 0
PayPal Holdings, Inc. Common Stock 70450Y103 22,171,377 191,711 PRN   OTR 0 188,922 0 2,789
Penn National Gaming Inc. Common Stock 707569109 42 1 PRN   OTR 0 1 0 0
PEOPLES UTD FINL INC COM Common Stock 712704105 99 5 PRN   OTR 0 5 0 0
Perkinelmer Inc Com Common Stock 714046109 174 1 PRN   OTR 0 1 0 0
Pfizer Inc Common Stock 717081103 2,847 55 PRN   OTR 0 55 0 0
Phillips 66 Common Stock 718546104 172 2 PRN   OTR 0 2 0 0
PIONEER NAT RES CO COM Common Stock 723787107 250 1 PRN   OTR 0 1 0 0
PNC Financial Services Group Common Stock 693475105 20,054,326 108,725 PRN   OTR 0 107,065 0 1,660
Principal Financial Group Inc. Common Stock 74251V102 220 3 PRN   OTR 0 3 0 0
PROCTER & GAMBLE CO Common Stock 742718109 17,724 116 PRN   OTR 0 116 0 0
Progressive Corp. Ohio Common Stock 743315103 797 7 PRN   OTR 0 7 0 0
Prudential Financial Inc. Common Stock 744320102 472 4 PRN   OTR 0 4 0 0
PTC Inc Common Stock 69370C100 107 1 PRN   OTR 0 1 0 0
Pulte Homes Common Stock 745867101 83 2 PRN   OTR 0 2 0 0
Qorvo Inc Common Stock 74736K101 124 1 PRN   OTR 0 1 0 0
Qualcomm Inc. Common Stock 747525103 42,660,467 279,155 PRN   OTR 0 275,046 0 4,109
Quest Diagnostics Inc. Common Stock 74834L100 136 1 PRN   OTR 0 1 0 0
RAYMOND JAMES FINL INC COM Common Stock 754730109 219 2 PRN   OTR 0 2 0 0
Regeneron Pharmaceuticals Common Stock 75886F107 698 1 PRN   OTR 0 1 0 0
Regions Financial Corp. Common Stock 7591EP100 244 11 PRN   OTR 0 11 0 0
ResMed Inc. Common Stock 761152107 242 1 PRN   OTR 0 1 0 0
Ross Stores Inc Com Common Stock 778296103 180 2 PRN   OTR 0 2 0 0
ROYAL CARIBBEAN CRUISE COM Common Stock V7780T103 83 1 PRN   OTR 0 1 0 0
S&P Global Inc. Common Stock 78409V104 1,640 4 PRN   OTR 0 4 0 0
Salesforce.com, Inc. Common Stock 79466L302 41,631,493 196,079 PRN   OTR 0 193,119 0 2,960
Schein (Henry) Inc. Common Stock 806407102 87 1 PRN   OTR 0 1 0 0
Schlumberger Limited Common Stock 806857108 247 6 PRN   OTR 0 6 0 0
SEAGATE TECHNOLOGY. Common Stock G7997R103 179 2 PRN   OTR 0 2 0 0
ServiceNow Inc. Common Stock 81762P102 1,113 2 PRN   OTR 0 2 0 0
Signature Bank Common Stock 82669G104 293 1 PRN   OTR 0 1 0 0
Skyworks Solutions Inc Common Stock 83088M102 133 1 PRN   OTR 0 1 0 0
SPDR Gold MiniSharesTrust Common Stock 98149E303 51,626 1,342 PRN   OTR 0 1,342 0 0
SPDR Portfolio Short Term Corp. Bd. ETF Common Stock 78464A474 121,080,960 4,018,618 PRN   OTR 0 4,002,822 0 15,796
SPDR S&P 500 ETF Trust Common Stock 78462F103 11,998,719 26,567 PRN   OTR 0 26,459 0 108
Starbucks Corp Common Stock 855244109 636 7 PRN   OTR 0 7 0 0
State Street Corp Common Stock 857477103 348 4 PRN   OTR 0 4 0 0
STERIS CORP COM Common Stock G8473T100 241 1 PRN   OTR 0 1 0 0
Stryker Corp Com Common Stock 863667101 802 3 PRN   OTR 0 3 0 0
SVB FINL GROUP COM Common Stock 78486Q101 559 1 PRN   OTR 0 1 0 0
SYNCHRONY FINL Common Stock 87165B103 208 6 PRN   OTR 0 6 0 0
Synopsys Inc Com Common Stock 871607107 333 1 PRN   OTR 0 1 0 0
T.Rowe Price Common Stock 74144T108 453 3 PRN   OTR 0 3 0 0
TAKE TWO INTERACTIVE SOFTWARE Common Stock 874054109 153 1 PRN   OTR 0 1 0 0
Tapestry Inc Common Stock 876030107 74 2 PRN   OTR 0 2 0 0
Target Corp. Common Stock 87612E106 636 3 PRN   OTR 0 3 0 0
TE CONNECTIVITY LTD SHS Common Stock H84989104 392 3 PRN   OTR 0 3 0 0
Technology Select Sector SPDR Fund Common Stock 81369Y803 424,647,832 2,671,917 PRN   OTR 0 2,662,225 0 9,692
Teradyne Inc Com Common Stock 880770102 118 1 PRN   OTR 0 1 0 0
TESLA MOTORS INC Common Stock 88160R101 5,388 5 PRN   OTR 0 5 0 0
Texas Instruments Inc. Common Stock 882508104 1,284 7 PRN   OTR 0 7 0 0
Thermo Fisher Scientific Common Stock 883556102 2,362 4 PRN   OTR 0 4 0 0
TJX Companies Common Stock 872540109 42,283,991 697,986 PRN   OTR 0 687,578 0 10,408
T-Mobile US, Inc. Common Stock 872590104 770 6 PRN   OTR 0 6 0 0
Tractor Supply Co Common Stock 892356106 233 1 PRN   OTR 0 1 0 0
Travelers Companies Common Stock 89417E109 548 3 PRN   OTR 0 3 0 0
TRIMBLE NAVIGATION LTD COM Common Stock 896239100 144 2 PRN   OTR 0 2 0 0
Truist Financial Corp Common Stock 89832Q109 850 15 PRN   OTR 0 15 0 0
Twitter, Inc. Common Stock 90184L102 309 8 PRN   OTR 0 8 0 0
U.S. Bancorp Common Stock 902973304 797 15 PRN   OTR 0 15 0 0
Under Armour Inc Cl A Common Stock 904311107 17 1 PRN   OTR 0 1 0 0
UNDER ARMOUR INC CL C Common Stock 904311206 15 1 PRN   OTR 0 1 0 0
Union Pacific Corp Common Stock 907818108 23,769 87 PRN   OTR 0 87 0 0
UnitedHealth Group, Inc. Common Stock 91324P102 45,424,047 89,072 PRN   OTR 0 87,813 0 1,259
UNIVERSAL HLTH SVCS CL B Common Stock 913903100 144 1 PRN   OTR 0 1 0 0
Valero Energy Common Stock 91913Y100 203 2 PRN   OTR 0 2 0 0
Vanguard FTSE All-World ex-US ETF Common Stock 922042775 349,841,454 6,074,691 PRN   OTR 0 6,049,853 0 24,838
Vanguard FTSE Pacific ETF Common Stock 922042866 196,508,114 2,653,722 PRN   OTR 0 2,642,697 0 11,025
Vanguard Intermediate Term Corp Bond Common Stock 92206C870 175,685,506 2,041,905 PRN   OTR 0 2,033,799 0 8,106
Vanguard Intl High Dividend Yield ETF Common Stock 921946794 8,587 127 PRN   OTR 0 127 0 0
Vanguard Lng Trm Crp Bd ETF Common Stock 92206C813 75,349,459 804,414 PRN   OTR 0 801,226 0 3,188
Vanguard Total World Stock ETF Common Stock 922042742 942,300 9,303 PRN   OTR 0 9,303 0 0
Verisign Inc Common Stock 92343E102 222 1 PRN   OTR 0 1 0 0
Verizon Comm. Inc. Common Stock 92343V104 2,088 41 PRN   OTR 0 41 0 0
Vertex Pharmaceuticals Inc. Common Stock 92532F100 521 2 PRN   OTR 0 2 0 0
VF Corp. Common Stock 918204108 113 2 PRN   OTR 0 2 0 0
Viatris Inc Common Stock 92556V106 130 12 PRN   OTR 0 12 0 0
VISA INC COM CL A Common Stock 92826C839 2,883 13 PRN   OTR 0 13 0 0
Waters Corp Common Stock 941848103 310 1 PRN   OTR 0 1 0 0
Wells Fargo & Co New Common Stock 949746101 21,090,809 435,221 PRN   OTR 0 428,976 0 6,245
WEST PHARMA SVCS INC Common Stock 955306105 410 1 PRN   OTR 0 1 0 0
WESTERN DIGITAL CORP COM Common Stock 958102105 148 3 PRN   OTR 0 3 0 0
Williams Cos. Inc. Common Stock 969457100 167 5 PRN   OTR 0 5 0 0
Willis Towers Watson Pub Common Stock G96629103 236 1 PRN   OTR 0 1 0 0
Wynn Resorts Ltd. Common Stock 983134107 79 1 PRN   OTR 0 1 0 0
Yum! Brands Inc Common Stock 988498101 237 2 PRN   OTR 0 2 0 0
ZIMMER BIOMET HOLDINGS Common Stock 98956P102 255 2 PRN   OTR 0 2 0 0
ZIONS BANCORPORATION COM Common Stock 989701107 131 2 PRN   OTR 0 2 0 0
ZOETIS INC CL A Common Stock 98978V103 942 5 PRN   OTR 0 5 0 0
ISHARES CORE MODERATE ALLOCA Common Stock 464289875 63,079 1,468 PRN   OTR 0 1,468 0 0