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
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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
EATON CORP PLC SHS G29183103   228,047 1,134 SH   SOLE   1,134 0 0
LINDE PLC SHS G54950103   237,412 623 SH   SOLE   623 0 0
AT&T INC COM 00206R102   390,184 24,463 SH   SOLE   17,667 0 6,796
AT&T INC COM 00206R102   17,545 1,100 SH   OTR   1,100 0 0
ABBOTT LABS COM 002824100   439,786 4,034 SH   SOLE   4,034 0 0
ABBVIE INC COM 00287Y109   513,321 3,810 SH   SOLE   3,810 0 0
ALPHABET INC CAP STK CL C 02079K107   386,862 3,198 SH   SOLE   3,198 0 0
ALPHABET INC CAP STK CL A 02079K305   403,389 3,370 SH   SOLE   3,370 0 0
AMAZON COM INC COM 023135106   519,223 3,983 SH   SOLE   3,983 0 0
AMAZON COM INC COM 023135106   26,072 200 SH   OTR   200 0 0
AMERICAN EXPRESS CO COM 025816109   383,936 2,204 SH   SOLE   2,204 0 0
AMGEN INC COM 031162100   329,921 1,486 SH   SOLE   1,486 0 0
APPLE INC COM 037833100   6,710,392 34,595 SH   SOLE   34,595 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   492,769 2,242 SH   SOLE   2,242 0 0
BECTON DICKINSON & CO COM 075887109   252,129 955 SH   SOLE   955 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   688,479 2,019 SH   SOLE   2,019 0 0
BOEING CO COM 097023105   703,373 3,331 SH   SOLE   3,331 0 0
BOOZ ALLEN HAMILTON HLDG COR CL A 099502106   658,663 5,902 SH   SOLE   5,902 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   215,383 3,368 SH   SOLE   3,368 0 0
CARRIER GLOBAL CORPORATION COM 14448C104   314,763 6,332 SH   SOLE   6,332 0 0
CATERPILLAR INC COM 149123101   4,694,880 19,081 SH   SOLE   19,081 0 0
CHEVRON CORP NEW COM 166764100   502,418 3,193 SH   SOLE   3,193 0 0
CISCO SYS INC COM 17275R102   475,283 9,186 SH   SOLE   9,186 0 0
COCA COLA CO COM 191216100   458,274 7,610 SH   SOLE   7,610 0 0
COMCAST CORP NEW CL A 20030N101   389,988 9,386 SH   SOLE   7,380 0 2,006
CONOCOPHILLIPS COM 20825C104   459,095 4,431 SH   SOLE   4,431 0 0
COSTCO WHSL CORP NEW COM 22160K105   654,670 1,216 SH   SOLE   1,216 0 0
DANAHER CORPORATION COM 235851102   1,593,600 6,640 SH   SOLE   6,640 0 0
DEERE & CO COM 244199105   721,238 1,780 SH   SOLE   1,780 0 0
DOMINION ENERGY INC COM 25746U109   308,305 5,953 SH   SOLE   5,953 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204   444,482 4,953 SH   SOLE   4,953 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204   26,922 300 SH   OTR   300 0 0
ETF SER SOLUTIONS VIDENT INTERNATI 26922A404   438,565 19,120 SH   SOLE   19,120 0 0
ETF SER SOLUTIONS VIDENT US EQUITY 26922A503   797,182 16,671 SH   SOLE   16,671 0 0
ETF SER SOLUTIONS VIDENT US BOND 26922A602   304,372 7,066 SH   SOLE   7,066 0 0
EXXON MOBIL CORP COM 30231G102   1,999,140 18,640 SH   SOLE   18,640 0 0
META PLATFORMS INC CL A 30303M102   227,575 793 SH   SOLE   793 0 0
FORTINET INC COM 34959E109   262,675 3,475 SH   SOLE   3,475 0 0
FORTIVE CORP COM 34959J108   244,946 3,276 SH   SOLE   3,276 0 0
GENERAL ELECTRIC CO COM NEW 369604301   370,743 3,375 SH   SOLE   3,375 0 0
GENERAL MLS INC COM 370334104   322,216 4,201 SH   SOLE   4,201 0 0
HERSHEY CO COM 427866108   399,270 1,599 SH   SOLE   1,599 0 0
HOME DEPOT INC COM 437076102   929,434 2,992 SH   SOLE   2,992 0 0
HONEYWELL INTL INC COM 438516106   323,700 1,560 SH   SOLE   1,560 0 0
INTEL CORP COM 458140100   205,789 6,154 SH   SOLE   6,154 0 0
INTEL CORP COM 458140100   53,504 1,600 SH   OTR   1,600 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   3,995,566 29,860 SH   SOLE   29,785 0 75
ISHARES TR CORE S&P500 ETF 464287200   533,069 1,196 SH   SOLE   1,196 0 0
ISHARES TR CORE US AGGBD ET 464287226   498,293,296 5,087,221 SH   SOLE   5,085,992 114 1,115
ISHARES TR CORE US AGGBD ET 464287226   161,519 1,649 SH   OTR   1,649 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   435,713 11,014 SH   SOLE   11,014 0 0
ISHARES TR IBOXX INV CP ETF 464287242   330,167,532 3,053,149 SH   SOLE   3,052,818 52 279
ISHARES TR IBOXX INV CP ETF 464287242   54,394 503 SH   OTR   503 0 0
ISHARES TR 7-10 YR TRSY BD 464287440   238,430,921 2,468,229 SH   SOLE   2,467,679 100 450
ISHARES TR 7-10 YR TRSY BD 464287440   78,246 810 SH   OTR   810 0 0
ISHARES TR 1 3 YR TREAS BD 464287457   118,208,883 1,457,929 SH   SOLE   1,457,179 0 750
ISHARES TR 1 3 YR TREAS BD 464287457   39,323 485 SH   OTR   485 0 0
ISHARES TR MSCI EAFE ETF 464287465   1,675,692 23,113 SH   SOLE   22,563 0 550
ISHARES TR CORE S&P MCP ETF 464287507   211,039,462 807,096 SH   SOLE   806,647 296 153
ISHARES TR CORE S&P MCP ETF 464287507   47,589 182 SH   OTR   182 0 0
ISHARES TR RUS 1000 VAL ETF 464287598   612,538 3,881 SH   SOLE   3,881 0 0
ISHARES TR RUS 1000 ETF 464287622   667,116 2,737 SH   SOLE   2,737 0 0
ISHARES TR CORE S&P US VLU 464287663   206,371 2,637 SH   SOLE   2,637 0 0
ISHARES TR RUSSELL 3000 ETF 464287689   248,118 975 SH   SOLE   975 0 0
ISHARES TR S&P MC 400VL ETF 464287705   3,525,005 32,904 SH   SOLE   32,904 0 0
ISHARES TR CORE S&P SCP ETF 464287804   196,743,279 1,974,343 SH   SOLE   1,973,341 661 341
ISHARES TR CORE S&P SCP ETF 464287804   47,333 475 SH   OTR   475 0 0
ISHARES TR DOW JONES US ETF 464287846   307,657 2,840 SH   SOLE   2,840 0 0
ISHARES TR MSCI KLD400 SOC 464288570   453,760 5,391 SH   SOLE   5,391 0 0
ISHARES TR ISHS 1-5YR INVS 464288646   131,133,091 2,613,775 SH   SOLE   2,613,470 27 278
ISHARES TR ISHS 1-5YR INVS 464288646   25,185 502 SH   OTR   502 0 0
ISHARES TR 3 7 YR TREAS BD 464288661   436,604 3,788 SH   SOLE   3,788 0 0
ISHARES TR MSCI USA ESG SLC 464288802   663,813 7,089 SH   SOLE   7,089 0 0
ISHARES TR MSCI USA QLT FCT 46432F339   501,851 3,721 SH   SOLE   3,721 0 0
ISHARES TR MSCI USA MMENTM 46432F396   273,065 1,893 SH   SOLE   1,893 0 0
ISHARES TR CORE MSCI EAFE 46432F842   277,908,975 4,117,170 SH   SOLE   4,115,046 1,377 747
ISHARES TR CORE MSCI EAFE 46432F842   57,645 854 SH   OTR   854 0 0
ISHARES INC CORE MSCI EMKT 46434G103   237,607,866 4,820,610 SH   SOLE   4,817,822 1,706 1,082
ISHARES INC CORE MSCI EMKT 46434G103   51,951 1,054 SH   OTR   1,054 0 0
JPMORGAN CHASE & CO COM 46625H100   1,296,306 8,913 SH   SOLE   8,913 0 0
JOHNSON & JOHNSON COM 478160104   1,495,307 9,034 SH   SOLE   9,034 0 0
LOCKHEED MARTIN CORP COM 539830109   210,854 458 SH   SOLE   458 0 0
LOWES COS INC COM 548661107   220,734 978 SH   SOLE   978 0 0
MARATHON OIL CORP COM 565849106   295,484 12,836 SH   SOLE   12,836 0 0
MARATHON PETE CORP COM 56585A102   1,309,418 11,230 SH   SOLE   11,230 0 0
MCDONALDS CORP COM 580135101   1,480,710 4,962 SH   SOLE   4,962 0 0
MCDONALDS CORP COM 580135101   59,682 200 SH   OTR   200 0 0
MERCK & CO INC COM 58933Y105   651,953 5,650 SH   SOLE   5,650 0 0
MERCK & CO INC COM 58933Y105   46,156 400 SH   OTR   400 0 0
MICROSOFT CORP COM 594918104   8,722,932 25,615 SH   SOLE   25,615 0 0
NEXTERA ENERGY INC COM 65339F101   584,547 7,878 SH   SOLE   7,878 0 0
NIKE INC CL B 654106103   213,786 1,937 SH   SOLE   1,937 0 0
NORFOLK SOUTHN CORP COM 655844108   484,359 2,136 SH   SOLE   2,136 0 0
NVIDIA CORPORATION COM 67066G104   3,773,761 8,921 SH   SOLE   8,921 0 0
ORACLE CORP COM 68389X105   528,164 4,435 SH   SOLE   4,435 0 0
OTIS WORLDWIDE CORP COM 68902V107   305,571 3,433 SH   SOLE   3,433 0 0
PPG INDS INC COM 693506107   365,262 2,463 SH   SOLE   2,463 0 0
PEPSICO INC COM 713448108   1,194,669 6,450 SH   SOLE   6,450 0 0
PEPSICO INC COM 713448108   37,044 200 SH   OTR   200 0 0
PFIZER INC COM 717081103   822,072 22,412 SH   SOLE   22,412 0 0
PROCTER AND GAMBLE CO COM 742718109   1,153,375 7,601 SH   SOLE   7,601 0 0
QUALCOMM INC COM 747525103   236,770 1,989 SH   SOLE   1,989 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101   323,463 3,302 SH   SOLE   3,302 0 0
S&P GLOBAL INC COM 78409V104   905,610 2,259 SH   SOLE   2,259 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   454,479,912 1,025,266 SH   SOLE   1,024,290 366 610
SPDR S&P 500 ETF TR TR UNIT 78462F103   113,036 255 SH   OTR   255 0 0
SPDR GOLD TR GOLD SHS 78463V107   879,227 4,932 SH   SOLE   4,932 0 0
SPDR SER TR PORTFOLIO SHORT 78464A474   1,171,093 39,779 SH   SOLE   39,779 0 0
SOUTHERN CO COM 842587107   675,945 9,622 SH   SOLE   9,622 0 0
SOUTHERN CO COM 842587107   21,075 300 SH   OTR   300 0 0
STARBUCKS CORP COM 855244109   911,153 9,198 SH   SOLE   9,198 0 0
TARGET CORP COM 87612E106   341,093 2,586 SH   SOLE   2,586 0 0
UNION PAC CORP COM 907818108   390,414 1,908 SH   SOLE   1,908 0 0
UNITEDHEALTH GROUP INC COM 91324P102   496,981 1,034 SH   SOLE   1,034 0 0
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505   203,017 799 SH   SOLE   799 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   332,423 3,134 SH   SOLE   3,134 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702   279,887 633 SH   SOLE   633 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   207,250 3,590 SH   SOLE   3,590 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   46,512,590 614,758 SH   SOLE   614,758 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   147,884,492 1,871,245 SH   SOLE   1,871,245 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   757,133 1,859 SH   SOLE   1,859 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595   33,231,201 144,647 SH   SOLE   144,580 18 49
VANGUARD INDEX FDS LARGE CAP ETF 922908637   380,100 1,875 SH   SOLE   1,875 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   24,360,309 86,091 SH   SOLE   86,051 11 29
VANGUARD INDEX FDS VALUE ETF 922908744   416,374,457 2,930,151 SH   SOLE   2,928,784 811 556
VANGUARD INDEX FDS VALUE ETF 922908744   79,291 558 SH   OTR   558 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   636,829 2,891 SH   SOLE   2,891 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   579,159 15,573 SH   SOLE   13,199 0 2,374
VERIZON COMMUNICATIONS INC COM 92343V104   29,082 782 SH   OTR   782 0 0
WALMART INC COM 931142103   943,551 6,003 SH   SOLE   6,003 0 0
WELLS FARGO CO NEW COM 949746101   271,999 6,373 SH   SOLE   6,373 0 0
XYLEM INC COM 98419M100   323,219 2,870 SH   SOLE   2,770 0 100