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 933 5,336 SH   SOLE   5,336 0 0
3M CO Common Stock 88579Y101 650 3,717 SH   OTR   3,717 0 0
ABBOTT LABORATORIES Common Stock 002824100 2,304 21,043 SH   SOLE   21,043 0 0
ABBOTT LABORATORIES Common Stock 002824100 219 2,000 SH   OTR   2,000 0 0
ABBVIE INC Common Stock 00287Y109 1,253 11,691 SH   SOLE   11,691 0 0
ABBVIE INC Common Stock 00287Y109 75 701 SH   OTR   701 0 0
ACCENTURE PLC Int'l Common Stock G1151C101 888 3,399 SH   SOLE   3,399 0 0
ACCENTURE PLC Int'l Common Stock G1151C101 165 633 SH   OTR   633 0 0
AFLAC INC Common Stock 001055102 640 14,400 SH   SOLE   14,400 0 0
AFLAC INC Common Stock 001055102 116 2,618 SH   OTR   2,618 0 0
ALPHABET INC Common Stock 02079K107 2,141 1,222 SH   SOLE   1,222 0 0
ALPHABET INC Common Stock 02079K107 331 189 SH   OTR   189 0 0
ALPHABET INC Common Stock 02079K305 1,334 761 SH   SOLE   761 0 0
ALPHABET INC Common Stock 02079K305 165 94 SH   OTR   94 0 0
ALTRIA GROUP INC Common Stock 02209S103 654 15,951 SH   SOLE   15,951 0 0
AMAZON.COM INC Common Stock 023135106 1,163 357 SH   SOLE   357 0 0
AMAZON.COM INC Common Stock 023135106 137 42 SH   OTR   42 0 0
AMERICAN EXPRESS CO Common Stock 025816109 390 3,223 SH   SOLE   3,223 0 0
AMERICAN EXPRESS CO Common Stock 025816109 99 820 SH   OTR   820 0 0
AMERICAN TOWER CORP Common Stock 03027X100 225 1,001 SH   SOLE   1,001 0 0
AMERICAN WATER WORKS COMPANY INC Common Stock 030420103 756 4,928 SH   SOLE   4,928 0 0
AMERICAN WATER WORKS COMPANY INC Common Stock 030420103 15 100 SH   OTR   100 0 0
AMGEN INC Common Stock 031162100 1,108 4,819 SH   SOLE   4,819 0 0
APPLE INC Common Stock 037833100 8,023 60,468 SH   SOLE   60,468 0 0
APPLE INC Common Stock 037833100 713 5,372 SH   OTR   5,372 0 0
APPLIED MATERIALS INC Common Stock 038222105 23 262 SH   SOLE   262 0 0
APPLIED MATERIALS INC Common Stock 038222105 352 4,075 SH   OTR   4,075 0 0
ARTHUR J GALLAGHER & CO Common Stock 363576109 408 3,300 SH   SOLE   3,300 0 0
AT&T INC Common Stock 00206R102 335 11,631 SH   SOLE   11,631 0 0
AUTOMATIC DATA PROCESSING INC Common Stock 053015103 581 3,300 SH   SOLE   3,300 0 0
BANK OF AMERICA CORP Common Stock 060505104 328 10,836 SH   SOLE   10,836 0 0
BANK OF AMERICA CORP Common Stock 060505104 36 1,200 SH   OTR   1,200 0 0
BAXTER INTERNATIONAL INC Common Stock 071813109 499 6,220 SH   SOLE   6,220 0 0
BAXTER INTERNATIONAL INC Common Stock 071813109 62 770 SH   OTR   770 0 0
BECTON DICKINSON AND CO Common Stock 075887109 325 1,299 SH   SOLE   1,299 0 0
BERKSHIRE HATHAWAY INC Common Stock 084670702 1,924 8,296 SH   SOLE   8,296 0 0
BERKSHIRE HATHAWAY INC Common Stock 084670702 301 1,300 SH   OTR   1,300 0 0
BLACKROCK INC Common Stock 09247X101 365 506 SH   SOLE   506 0 0
BLACKROCK INC Common Stock 09247X101 32 45 SH   OTR   45 0 0
BRISTOL-MYERS SQUIBB CO Common Stock 110122108 401 6,471 SH   SOLE   6,471 0 0
BRISTOL-MYERS SQUIBB CO Common Stock 110122108 56 900 SH   OTR   900 0 0
CANADIAN PACIFIC RAILWAY LTD Int'l Common Stock 13645T100 663 1,900 SH   SOLE   1,900 0 0
CATERPILLAR INC Common Stock 149123101 179 985 SH   SOLE   985 0 0
CATERPILLAR INC Common Stock 149123101 337 1,850 SH   OTR   1,850 0 0
CHEVRON CORP Common Stock 166764100 1,448 17,152 SH   SOLE   17,152 0 0
CHEVRON CORP Common Stock 166764100 307 3,636 SH   OTR   3,636 0 0
CISCO SYSTEMS INC Common Stock 17275R102 605 13,521 SH   SOLE   13,521 0 0
CISCO SYSTEMS INC Common Stock 17275R102 251 5,605 SH   OTR   5,605 0 0
CITIGROUP INC Common Stock 172967424 562 9,116 SH   SOLE   9,116 0 0
CITIGROUP INC Common Stock 172967424 40 647 SH   OTR   647 0 0
CMS ENERGY CORP Common Stock 125896100 390 6,400 SH   SOLE   6,400 0 0
COCA-COLA CO Common Stock 191216100 708 12,910 SH   SOLE   12,910 0 0
COCA-COLA CO Common Stock 191216100 511 9,317 SH   OTR   9,317 0 0
COGNIZANT TECHNOLOGY SOLUTIONS CORP Common Stock 192446102 292 3,565 SH   SOLE   3,565 0 0
COGNIZANT TECHNOLOGY SOLUTIONS CORP Common Stock 192446102 20 250 SH   OTR   250 0 0
COLGATE-PALMOLIVE CO Common Stock 194162103 289 3,378 SH   SOLE   3,378 0 0
COLGATE-PALMOLIVE CO Common Stock 194162103 233 2,726 SH   OTR   2,726 0 0
COMCAST CORP Common Stock 20030N101 315 6,006 SH   SOLE   6,006 0 0
COMCAST CORP Common Stock 20030N101 86 1,650 SH   OTR   1,650 0 0
CONOCOPHILLIPS Common Stock 20825C104 225 5,618 SH   SOLE   5,618 0 0
COSTCO WHOLESALE CORP Common Stock 22160K105 496 1,316 SH   SOLE   1,316 0 0
COSTCO WHOLESALE CORP Common Stock 22160K105 20 52 SH   OTR   52 0 0
CVS HEALTH CORP Common Stock 126650100 606 8,873 SH   SOLE   8,873 0 0
CVS HEALTH CORP Common Stock 126650100 71 1,038 SH   OTR   1,038 0 0
DANAHER CORP Common Stock 235851102 2,701 12,160 SH   SOLE   12,160 0 0
DANAHER CORP Common Stock 235851102 256 1,154 SH   OTR   1,154 0 0
DEERE & CO Common Stock 244199105 776 2,885 SH   SOLE   2,885 0 0
DEERE & CO Common Stock 244199105 498 1,850 SH   OTR   1,850 0 0
DOMINION ENERGY INC Common Stock 25746U109 760 10,102 SH   SOLE   10,102 0 0
DOMINION ENERGY INC Common Stock 25746U109 170 2,260 SH   OTR   2,260 0 0
DUKE ENERGY CORP Common Stock 26441C204 183 2,001 SH   SOLE   2,001 0 0
DUKE ENERGY CORP Common Stock 26441C204 46 500 SH   OTR   500 0 0
ELI LILLY AND CO Common Stock 532457108 574 3,400 SH   SOLE   3,400 0 0
EXELON CORP Common Stock 30161N101 455 10,774 SH   SOLE   10,774 0 0
EXXON MOBIL CORP Common Stock 30231G102 1,759 42,678 SH   SOLE   42,678 0 0
EXXON MOBIL CORP Common Stock 30231G102 462 11,206 SH   OTR   11,206 0 0
FACEBOOK INC Common Stock 30303M102 385 1,408 SH   SOLE   1,408 0 0
FISERV INC Common Stock 337738108 725 6,367 SH   SOLE   6,367 0 0
FISERV INC Common Stock 337738108 130 1,141 SH   OTR   1,141 0 0
FLEXSHARES IBOXX 3-YEAR TARGET DURATION TIPS INDEX Fixed Income ETF 33939L506 4,114 157,856 SH   SOLE   157,856 0 0
FLEXSHARES IBOXX 3-YEAR TARGET DURATION TIPS INDEX Fixed Income ETF 33939L506 118 4,519 SH   OTR   4,519 0 0
FLEXSHARES IBOXX 5-YEAR TARGET DURATION TIPS INDEX Fixed Income ETF 33939L605 3,814 137,453 SH   SOLE   137,453 0 0
FLEXSHARES IBOXX 5-YEAR TARGET DURATION TIPS INDEX Fixed Income ETF 33939L605 540 19,469 SH   OTR   19,469 0 0
FLEXSHARES QUALITY DIVIDEND INDEX FUND Exchange Traded Fund 33939L860 17,993 363,945 SH   SOLE   363,945 0 0
FLEXSHARES QUALITY DIVIDEND INDEX FUND Exchange Traded Fund 33939L860 929 18,791 SH   OTR   18,791 0 0
FLEXSHS MORNINGSTAR GLBL UPSTEAM NTRL RES IDX FD Exchange Traded Fund 33939L407 5,181 159,214 SH   SOLE   159,214 0 0
FLEXSHS MORNINGSTAR GLBL UPSTEAM NTRL RES IDX FD Exchange Traded Fund 33939L407 319 9,792 SH   OTR   9,792 0 0
FORTIVE CORP Common Stock 34959J108 477 6,731 SH   SOLE   6,731 0 0
FORTIVE CORP Common Stock 34959J108 28 399 SH   OTR   399 0 0
GENERAL DYNAMICS CORP Common Stock 369550108 216 1,452 SH   SOLE   1,452 0 0
GENERAL MILLS INC Common Stock 370334104 373 6,341 SH   SOLE   6,341 0 0
GENERAL MILLS INC Common Stock 370334104 14 246 SH   OTR   246 0 0
HALLIBURTON CO Common Stock 406216101 351 18,550 SH   SOLE   18,550 0 0
HALLIBURTON CO Common Stock 406216101 69 3,639 SH   OTR   3,639 0 0
HCA HEALTHCARE INC Common Stock 40412C101 360 2,190 SH   SOLE   2,190 0 0
HCA HEALTHCARE INC Common Stock 40412C101 58 350 SH   OTR   350 0 0
HOME DEPOT INC Common Stock 437076102 318 1,199 SH   SOLE   1,199 0 0
HONEYWELL INTERNATIONAL INC Common Stock 438516106 801 3,768 SH   SOLE   3,768 0 0
IAC/INTERACTIVECORP Common Stock 44891N109 281 1,500 SH   SOLE   1,500 0 0
INTEL CORP Common Stock 458140100 1,820 36,537 SH   SOLE   36,537 0 0
INTEL CORP Common Stock 458140100 172 3,450 SH   OTR   3,450 0 0
INTERCONTINENTAL EXCHANGE INC Common Stock 45866F104 412 3,570 SH   SOLE   3,570 0 0
INTERCONTINENTAL EXCHANGE INC Common Stock 45866F104 23 200 SH   OTR   200 0 0
ISHARES CORE S&P SMALL-CAP ETF Exchange Traded Fund 464287804 2,309 25,123 SH   SOLE   25,123 0 0
ISHARES CORE S&P SMALL-CAP ETF Exchange Traded Fund 464287804 135 1,464 SH   OTR   1,464 0 0
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ET Fixed Income ETF 464287242 639 4,625 SH   SOLE   4,625 0 0
ISHARES MSCI EAFE ETF International Equity ETF 464287465 508 6,969 SH   SOLE   6,969 0 0
ISHARES S&P MIDCAP 400 INDEX FUND Exchange Traded Fund 464287507 1,433 6,235 SH   SOLE   6,235 0 0
ISHARES S&P MIDCAP 400 INDEX FUND Exchange Traded Fund 464287507 271 1,180 SH   OTR   1,180 0 0
JOHNSON & JOHNSON Common Stock 478160104 1,656 10,521 SH   SOLE   10,521 0 0
JOHNSON & JOHNSON Common Stock 478160104 712 4,525 SH   OTR   4,525 0 0
JPMORGAN CHASE & CO Common Stock 46625H100 2,363 18,599 SH   SOLE   18,599 0 0
JPMORGAN CHASE & CO Common Stock 46625H100 123 970 SH   OTR   970 0 0
KIMBERLY-CLARK CORP Common Stock 494368103 45 331 SH   SOLE   331 0 0
KIMBERLY-CLARK CORP Common Stock 494368103 175 1,300 SH   OTR   1,300 0 0
LABORATORY CORPORATION OF AMERICA HOLDINGS Common Stock 50540R409 204 1,000 SH   SOLE   1,000 0 0
LINDE PLC Int'l Common Stock G5494J103 362 1,372 SH   SOLE   1,372 0 0
LINDE PLC Int'l Common Stock G5494J103 26 100 SH   OTR   100 0 0
LOWE'S COMPANIES INC Common Stock 548661107 1,844 11,489 SH   SOLE   11,489 0 0
LOWE'S COMPANIES INC Common Stock 548661107 658 4,102 SH   OTR   4,102 0 0
MARSH & MCLENNAN COMPANIES INC Common Stock 571748102 483 4,124 SH   SOLE   4,124 0 0
MARSH & MCLENNAN COMPANIES INC Common Stock 571748102 21 180 SH   OTR   180 0 0
MASTERCARD INC Common Stock 57636Q104 1,288 3,608 SH   SOLE   3,608 0 0
MASTERCARD INC Common Stock 57636Q104 107 300 SH   OTR   300 0 0
MATCH GROUP INC Common Stock 57667L107 308 2,037 SH   SOLE   2,037 0 0
MCDONALD'S CORP Common Stock 580135101 1,586 7,393 SH   SOLE   7,393 0 0
MCDONALD'S CORP Common Stock 580135101 120 558 SH   OTR   558 0 0
MEDTRONIC PLC Int'l Common Stock G5960L103 777 6,635 SH   SOLE   6,635 0 0
MERCK & CO INC Common Stock 58933Y105 683 8,351 SH   SOLE   8,351 0 0
MERCK & CO INC Common Stock 58933Y105 204 2,488 SH   OTR   2,488 0 0
MICROSOFT CORP Common Stock 594918104 5,726 25,742 SH   SOLE   25,742 0 0
MICROSOFT CORP Common Stock 594918104 78 350 SH   OTR   350 0 0
MONDELEZ INTERNATIONAL INC Common Stock 609207105 293 5,013 SH   SOLE   5,013 0 0
NEXTERA ENERGY INC Common Stock 65339F101 989 12,824 SH   SOLE   12,824 0 0
NEXTERA ENERGY INC Common Stock 65339F101 491 6,360 SH   OTR   6,360 0 0
NIKE INC Common Stock 654106103 2,478 17,514 SH   SOLE   17,514 0 0
NORFOLK SOUTHERN CORP Common Stock 655844108 1,002 4,218 SH   SOLE   4,218 0 0
NORFOLK SOUTHERN CORP Common Stock 655844108 48 200 SH   OTR   200 0 0
NUCOR CORP Common Stock 670346105 163 3,061 SH   SOLE   3,061 0 0
NUCOR CORP Common Stock 670346105 74 1,400 SH   OTR   1,400 0 0
ORACLE CORP Common Stock 68389X105 540 8,355 SH   SOLE   8,355 0 0
ORACLE CORP Common Stock 68389X105 47 720 SH   OTR   720 0 0
PAYPAL HOLDINGS INC Common Stock 70450Y103 199 850 SH   SOLE   850 0 0
PAYPAL HOLDINGS INC Common Stock 70450Y103 35 150 SH   OTR   150 0 0
PEPSICO INC Common Stock 713448108 1,459 9,839 SH   SOLE   9,839 0 0
PEPSICO INC Common Stock 713448108 766 5,163 SH   OTR   5,163 0 0
PFIZER INC Common Stock 717081103 1,310 35,579 SH   SOLE   35,579 0 0
PFIZER INC Common Stock 717081103 254 6,900 SH   OTR   6,900 0 0
PHILIP MORRIS INTERNATIONAL INC Common Stock 718172109 505 6,099 SH   SOLE   6,099 0 0
PHILIP MORRIS INTERNATIONAL INC Common Stock 718172109 16 190 SH   OTR   190 0 0
PROCTER & GAMBLE CO Common Stock 742718109 2,021 14,524 SH   SOLE   14,524 0 0
PROCTER & GAMBLE CO Common Stock 742718109 618 4,438 SH   OTR   4,438 0 0
RAYTHEON TECHNOLOGIES CORP Common Stock 75513E101 594 8,303 SH   SOLE   8,303 0 0
RAYTHEON TECHNOLOGIES CORP Common Stock 75513E101 48 675 SH   OTR   675 0 0
SABINE ROYALTY TRUST Common Stock 785688102 692 24,524 SH   SOLE   24,524 0 0
SALESFORCE.COM INC Common Stock 79466L302 1,944 8,734 SH   SOLE   8,734 0 0
SALESFORCE.COM INC Common Stock 79466L302 63 284 SH   OTR   284 0 0
SCHLUMBERGER NV Int'l Common Stock 806857108 226 10,330 SH   SOLE   10,330 0 0
SCHLUMBERGER NV Int'l Common Stock 806857108 1 64 SH   OTR   64 0 0
SPDR S&P 500 ETF TRUST Exchange Traded Fund 78462F103 3,255 8,706 SH   SOLE   8,706 0 0
STARBUCKS CORP Common Stock 855244109 1,831 17,117 SH   SOLE   17,117 0 0
STARBUCKS CORP Common Stock 855244109 83 780 SH   OTR   780 0 0
TARGET CORP Common Stock 87612E106 225 1,275 SH   SOLE   1,275 0 0
U.S. BANCORP Common Stock 902973304 675 14,498 SH   SOLE   14,498 0 0
U.S. BANCORP Common Stock 902973304 40 867 SH   OTR   867 0 0
UNION PACIFIC CORP Common Stock 907818108 221 1,060 SH   SOLE   1,060 0 0
UNITED PARCEL SERVICE INC Common Stock 911312106 639 3,792 SH   SOLE   3,792 0 0
UNITED PARCEL SERVICE INC Common Stock 911312106 135 800 SH   OTR   800 0 0
UNITEDHEALTH GROUP INC Common Stock 91324P102 193 550 SH   SOLE   550 0 0
UNITEDHEALTH GROUP INC Common Stock 91324P102 39 110 SH   OTR   110 0 0
VANGUARD HIGH DIVIDEND YIELD INDEX FUND Exchange Traded Fund 921946406 1,379 15,069 SH   SOLE   15,069 0 0
VANGUARD HIGH DIVIDEND YIELD INDEX FUND Exchange Traded Fund 921946406 838 9,154 SH   OTR   9,154 0 0
VANGUARD REAL ESTATE INDEX FUND Exchange Traded Fund 922908553 225 2,653 SH   SOLE   2,653 0 0
VANGUARD VALUE INDEX FUND Exchange Traded Fund 922908744 269 2,264 SH   SOLE   2,264 0 0
VERIZON COMMUNICATIONS INC Common Stock 92343V104 1,115 18,985 SH   SOLE   18,985 0 0
VERIZON COMMUNICATIONS INC Common Stock 92343V104 167 2,839 SH   OTR   2,839 0 0
WASTE MANAGEMENT INC Common Stock 94106L109 578 4,900 SH   SOLE   4,900 0 0
ZIMMER BIOMET HOLDINGS INC Common Stock 98956P102 276 1,788 SH   SOLE   1,788 0 0
ZIMMER BIOMET HOLDINGS INC Common Stock 98956P102 18 120 SH   OTR   120 0 0
ZOETIS INC Common Stock 98978V103 453 2,735 SH   SOLE   2,735 0 0