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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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 Equities 88579Y101 236,151 1,608 SH SOLE 1,608 0 0
ABBOTT LABS Equities 002824100 1,752,439 13,211 SH SOLE 13,211 0 0
ABBVIE INC Equities 00287Y109 443,344 2,116 SH SOLE 2,116 0 0
ACCENTURE PLC Equities G1151C101 386,930 1,240 SH SOLE 1,240 0 0
ADOBE SYS INC Equities 00724F101 7,495,327 19,543 SH SOLE 19,543 0 0
AECOM TECHNOLOGY Equities 00766T100 6,303,229 67,974 SH SOLE 67,974 0 0
AIR PRODUCTS & CHEM Equities 009158106 259,235 879 SH SOLE 879 0 0
ALLSTATE CORP Equities 020002101 690,371 3,334 SH SOLE 3,334 0 0
ALPHABE CL C Equities 02079K107 833,018 5,332 SH SOLE 5,332 0 0
ALPHABET CL A Equities 02079K305 14,818,069 95,823 SH SOLE 95,823 0 0
AMAZON COM INC Equities 023135106 13,527,105 71,098 SH SOLE 71,098 0 0
AMER EUROPACIFIC GRW Mutual Funds 298706110 296,530 5,373 SH SOLE 5,373 0 0
AMEREN CORP Equities 023608102 1,121,267 11,168 SH SOLE 11,168 0 0
AMERICAN ELEC POWER Equities 025537101 316,883 2,900 SH SOLE 2,900 0 0
AMERICAN EXPRESS CO Equities 025816109 697,109 2,591 SH SOLE 2,591 0 0
AMGEN INC Equities 031162100 7,714,290 24,761 SH SOLE 24,761 0 0
APOLLO GLOBAL MGMT Equities 03769M106 1,309,557 9,563 SH SOLE 9,563 0 0
APPLE INC Equities 037833100 20,772,931 93,517 SH SOLE 93,517 0 0
APPLIED MATERIALS Equities 038222105 1,277,491 8,803 SH SOLE 8,803 0 0
AT&T INC Equities 00206R102 429,771 15,197 SH SOLE 15,197 0 0
AUTO DATA PROCESS Equities 053015103 228,842 749 SH SOLE 749 0 0
AUTOZONE INC Equities 053332102 964,633 253 SH SOLE 253 0 0
BANKAMERICA CORP NEW Equities 060505104 222,671 5,336 SH SOLE 5,336 0 0
BERKSHIRE HATHAWAY Equities 084670702 440,444 827 SH SOLE 827 0 0
BLACKROCK INC Equities 09290D101 805,454 851 SH SOLE 851 0 0
BOSTON SCIENTIFIC Equities 101137107 831,453 8,242 SH SOLE 8,242 0 0
BROADCOM INC Equities 11135F101 2,474,950 14,782 SH SOLE 14,782 0 0
CATERPILLAR INC Equities 149123101 7,073,880 21,449 SH SOLE 21,449 0 0
CBOE GLOBAL MARKETS Equities 12503M108 1,534,925 6,783 SH SOLE 6,783 0 0
CHARLES SCHWAB CORP Equities 808513105 3,055,347 39,031 SH SOLE 39,031 0 0
CHEVRON CORP Equities 166764100 925,950 5,535 SH SOLE 5,535 0 0
CHUBB LTD Equities H1467J104 4,023,413 13,323 SH SOLE 13,323 0 0
CINTAS CORP Equities 172908105 231,016 1,124 SH SOLE 1,124 0 0
CISCO SYSTEMS INC Equities 17275R102 1,931,708 31,303 SH SOLE 31,303 0 0
COCA COLA CO Equities 191216100 28,648 400 SH DFND 400 0 0
COCA COLA CO Equities 191216100 1,124,004 15,694 SH SOLE 15,694 0 0
COLGATE PALMOLIVE CO Equities 194162103 270,418 2,886 SH SOLE 2,886 0 0
COMCAST CORP NEW A Equities 20030N101 2,187,063 59,270 SH SOLE 59,270 0 0
COMMUNITY TRUST BANK Equities 204149108 341,390 6,779 SH SOLE 6,779 0 0
CORNING INCORPORATED Equities 219350105 417,422 9,118 SH SOLE 9,118 0 0
COSTCO WHOLESALE Equities 22160K105 13,745,967 14,534 SH SOLE 14,534 0 0
D R HORTON INC Equities 23331A109 3,381,912 26,602 SH SOLE 26,602 0 0
DANAHER CORPORATION Equities 235851102 625,045 3,049 SH SOLE 3,049 0 0
DEERE & CO Equities 244199105 2,831,119 6,032 SH SOLE 6,032 0 0
DICKS SPORTING GOODS Equities 253393102 5,666,859 28,115 SH SOLE 28,115 0 0
DISNEY(WALT) COMPANY Equities 254687106 29,610 300 SH DFND 300 0 0
DISNEY(WALT) COMPANY Equities 254687106 1,171,668 11,871 SH SOLE 11,871 0 0
DOMINION ENERGY INC Equities 25746U109 435,215 7,762 SH SOLE 7,762 0 0
DUKE ENERGY CORP NEW Equities 26441C204 356,396 2,922 SH SOLE 2,922 0 0
DUPONT DE NEMOURS Equities 26614N102 1,215,940 16,282 SH SOLE 16,282 0 0
DUPREE NORTH CAROLINA TAX FREE Mutual Funds 266155704 1,914,467 181,638 SH SOLE 181,638 0 0
EATON CORP PLC Equities G29183103 237,036 872 SH SOLE 872 0 0
ELI LILLY & CO Equities 532457108 1,877,293 2,273 SH SOLE 2,273 0 0
EOG RES INC Equities 26875P101 880,111 6,863 SH SOLE 6,863 0 0
EQT CORP Equities 26884L109 1,518,481 28,420 SH SOLE 28,420 0 0
ETF I -SHARES TRUST Equities 464287465 11,893,840 145,526 SH SOLE 144,941 585 0
ETF ISHARES INC MSCI Equities 46434G764 11,470,509 208,214 SH SOLE 208,214 0 0
EXPEDIA GROUP, INC Equities 30212P303 1,231,164 7,324 SH SOLE 7,324 0 0
EXXON MOBIL CORP Equities 30231G102 117,741 990 SH DFND 990 0 0
EXXON MOBIL CORP Equities 30231G102 771,618 6,488 SH SOLE 6,488 0 0
FED INTER MUNI TR Mutual Funds 458810108 186,901 19,489 SH SOLE 19,489 0 0
FED ULTRASHORT BD CL Mutual Funds 31428Q747 262,444 28,250 SH SOLE 28,250 0 0
FID 500 INDEX FD Mutual Funds 315911750 701,664 3,590 SH SOLE 3,590 0 0
FID CONTRAFUND Mutual Funds 316071109 859,983 42,956 SH SOLE 42,956 0 0
FISERV INC USD 0.01 Equities 337738108 898,999 4,071 SH SOLE 4,071 0 0
FRANKLIN DYNAMIC ETF Mutual Funds 35473P868 18,080,272 739,782 SH SOLE 739,782 0 0
GE AEROSPACE Equities 369604301 611,058 3,053 SH SOLE 3,053 0 0
GILEAD SCIENCES INC Equities 375558103 781,773 6,977 SH SOLE 6,977 0 0
GOLDMAN EMRG MKT Mutual Funds 38143H886 140,172 14,586 SH DFND 14,586 0 0
HERSHEY COMPANY Equities 427866108 2,786,421 16,292 SH SOLE 16,292 0 0
HOME DEPOT INC Equities 437076102 164,921 450 SH DFND 450 0 0
HOME DEPOT INC Equities 437076102 2,259,411 6,165 SH SOLE 6,165 0 0
HONEYWELL INTL INC Equities 438516106 1,547,046 7,306 SH SOLE 7,306 0 0
HUMANA INC Equities 444859102 740,615 2,799 SH SOLE 2,799 0 0
I SHS RUSSELL2000 Equities 464287655 85,980 431 SH DFND 431 0 0
I SHS RUSSELL2000 Equities 464287655 7,183,635 36,010 SH SOLE 35,940 70 0
ILLINOIS TOOL WORKS Equities 452308109 361,847 1,459 SH SOLE 1,459 0 0
INTERCONTINENTAL EXC Equities 45866F104 639,630 3,708 SH SOLE 3,708 0 0
INTL BUSINESS MACHS Equities 459200101 464,248 1,867 SH SOLE 1,867 0 0
INTUIT INC Equities 461202103 6,882,828 11,210 SH SOLE 11,210 0 0
INTUITIVE SURGICAL Equities 46120E602 8,401,265 16,963 SH SOLE 16,963 0 0
ISHARES EMERGING MKT Equities 464287234 4,423,926 101,234 SH SOLE 100,376 858 0
ISHARES EMRG MKT Equities 464288281 2,416,398 26,674 SH SOLE 26,674 0 0
ISHARES MSCI EAFE Equities 464288273 761,915 11,993 SH SOLE 11,937 56 0
ISHARES RUSSELL MID Equities 464287499 687,366 8,080 SH SOLE 8,080 0 0
ISHARES S&P SMALLCAP Equities 464287804 3,198,483 30,587 SH SOLE 30,587 0 0
ISHARES SMALL CAP Equities 464287887 296,559 2,382 SH SOLE 2,382 0 0
ISHARES TR MBS ETF Equities 464288588 613,978 6,547 SH SOLE 6,547 0 0
ISHARES TR S&P MIDCP Equities 464287507 3,835,871 65,739 SH SOLE 65,739 0 0
ISHARES US TECH ETF Equities 464287721 340,427 2,424 SH SOLE 2,424 0 0
ISHRS CMBS Equities 46429B366 9,333,552 194,449 SH SOLE 194,449 0 0
ISHS 500 INDEX FD US Equities 464287200 2,588,111 4,606 SH SOLE 4,606 0 0
ISHS BCLYS SH TR BD Equities 464288679 915,051 8,284 SH SOLE 8,284 0 0
ISHS CORE MSCI EAFE Equities 46432F842 251,461 3,324 SH SOLE 3,324 0 0
ISHS CORE US AGGR BD Equities 464287226 13,728,118 138,780 SH SOLE 138,236 544 0
ISHS GOLD TR NPV NEW Equities 464285204 109,341 1,855 SH DFND 1,855 0 0
ISHS GOLD TR NPV NEW Equities 464285204 295,301 5,009 SH SOLE 5,009 0 0
ISHS HIGH YIELD ETF Equities 464288513 5,824,843 73,835 SH SOLE 73,516 319 0
J P MORGAN CHASE Equities 46625H100 4,232,161 17,253 SH SOLE 17,253 0 0
JOHNSON & JOHNSON Equities 478160104 947,444 5,713 SH SOLE 5,713 0 0
KIMBERLY-CLARK CORP Equities 494368103 31,146 219 SH DFND 219 0 0
KIMBERLY-CLARK CORP Equities 494368103 2,298,560 16,162 SH SOLE 16,162 0 0
KINDER MORGAN INC DE Equities 49456B101 1,772,084 62,113 SH SOLE 62,113 0 0
KLA-TENCOR Equities 482480100 1,848,376 2,719 SH SOLE 2,719 0 0
KY T/F INCOME SERIES Mutual Funds 266155100 8,628,537 1,218,714 SH SOLE 1,218,714 0 0
KY T/F SHORT TO MED Mutual Funds 266155209 252,256 49,173 SH SOLE 49,173 0 0
LAM RESEARCH CORP Equities 512807306 6,127,447 84,284 SH SOLE 84,284 0 0
LOCKHEED MARTIN CORP Equities 539830109 1,434,386 3,211 SH SOLE 3,211 0 0
LOWES COMPANIES INC Equities 548661107 744,470 3,192 SH SOLE 3,192 0 0
LYONDELLBASELL Equities N53745100 634,797 9,017 SH SOLE 9,017 0 0
MARATHON PETE CORP Equities 56585A102 373,549 2,564 SH SOLE 2,564 0 0
MARRIOTT INTL Equities 571903202 388,266 1,630 SH SOLE 1,630 0 0
MASCO CORPORATION Equities 574599106 615,777 8,855 SH SOLE 8,855 0 0
MASTERCARD INC Equities 57636Q104 7,964,184 14,530 SH SOLE 14,530 0 0
MCDONALDS CORP Equities 580135101 2,855,374 9,141 SH SOLE 9,141 0 0
MCKESSON HBOC INC Equities 58155Q103 1,355,402 2,014 SH SOLE 2,014 0 0
MERCK & CO INC NEW Equities 58933Y105 13,464 150 SH DFND 150 0 0
MERCK & CO INC NEW Equities 58933Y105 4,123,754 45,942 SH SOLE 45,942 0 0
META PLATFORMS INC Equities 30303M102 11,894,918 20,638 SH SOLE 20,638 0 0
MFS ARKANSAS MUNI Mutual Funds 55273N251 503,642 56,973 SH SOLE 56,973 0 0
MICROSOFT CORP Equities 594918104 13,851,891 36,900 SH SOLE 36,900 0 0
MOODYS CORP Equities 615369105 5,716,810 12,276 SH SOLE 12,276 0 0
MORGAN STANLEY Equities 617446448 264,491 2,267 SH SOLE 2,267 0 0
NETAPP INC Equities 64110D104 2,928,761 33,342 SH SOLE 33,342 0 0
NETFLIX COM Equities 64110L106 3,269,450 3,506 SH SOLE 3,506 0 0
NEXTERA ENERGY INC Equities 65339F101 431,224 6,083 SH SOLE 6,083 0 0
NORTHROP GRUMMAN Equities 666807102 307,206 600 SH DFND 600 0 0
NORTHROP GRUMMAN Equities 666807102 1,154,071 2,254 SH SOLE 2,254 0 0
NOVO NORDISK A S Equities 670100205 1,441,227 20,755 SH SOLE 20,755 0 0
NUCOR CORP Equities 670346105 3,871,458 32,171 SH SOLE 32,171 0 0
NVIDIA CORPORATION Equities 67066G104 66,271,877 611,477 SH SOLE 611,477 0 0
NXP SEMICONDUCTORS Equities N6596X109 1,889,767 9,943 SH SOLE 9,943 0 0
OLD DOMINI COM Equities 679580100 2,396,874 14,487 SH SOLE 14,487 0 0
ORACLE CORPORATION Equities 68389X105 1,687,786 12,072 SH SOLE 12,072 0 0
PALO ALTO NETWORKS Equities 697435105 1,222,806 7,166 SH SOLE 7,166 0 0
PARKER HANNIFIN CORP Equities 701094104 1,519,017 2,499 SH SOLE 2,499 0 0
PEPSICO INC Equities 713448108 32,387 216 SH DFND 216 0 0
PEPSICO INC Equities 713448108 522,391 3,484 SH SOLE 3,484 0 0
PFIZER INC Equities 717081103 503,480 19,869 SH SOLE 19,869 0 0
PHILIP MORRIS INTL Equities 718172109 63,492 400 SH DFND 400 0 0
PHILIP MORRIS INTL Equities 718172109 355,079 2,237 SH SOLE 2,237 0 0
PHILLIPS 66 Equities 718546104 245,725 1,990 SH SOLE 1,990 0 0
PNC FINANCIAL SERV Equities 693475105 228,501 1,300 SH DFND 1,300 0 0
PNC FINANCIAL SERV Equities 693475105 71,187 405 SH SOLE 405 0 0
PPG INDS INC Equities 693506107 1,062,773 9,719 SH SOLE 9,719 0 0
PROCTER & GAMBLE CO Equities 742718109 136,336 800 SH DFND 800 0 0
PROCTER & GAMBLE CO Equities 742718109 2,136,215 12,535 SH SOLE 12,535 0 0
PROG CORP OHIO Equities 743315103 6,662,904 23,543 SH SOLE 23,543 0 0
QUALCOMM INC Equities 747525103 4,671,280 30,410 SH SOLE 30,410 0 0
QUANTA SERVICES INC Equities 74762E102 1,416,291 5,572 SH SOLE 5,572 0 0
RAYMOND JAMES INC Equities 754730109 238,370 1,716 SH SOLE 1,716 0 0
REGENERON PHARMA Equities 75886F107 1,352,178 2,132 SH SOLE 2,132 0 0
ROYAL CARIBBEAN CRUS Equities V7780T103 477,237 2,323 SH SOLE 2,323 0 0
S&P GLOBAL INC Equities 78409V104 8,658,532 17,041 SH SOLE 17,041 0 0
SALESFORCE INC Equities 79466L302 1,753,733 6,535 SH SOLE 6,535 0 0
SCHLUMBERGER LTD Equities 806857108 324,744 7,769 SH SOLE 7,769 0 0
SECTOR SPDR CONS STA Equities 81369Y308 215,282 2,636 SH SOLE 2,636 0 0
SECTOR SPDR ENERGY Equities 81369Y506 458,840 4,910 SH SOLE 4,910 0 0
SECTOR SPDR TR FUND Equities 81369Y209 1,754,018 12,013 SH SOLE 12,013 0 0
SECTOR SPDR UTILITIE Equities 81369Y886 1,474,101 18,695 SH SOLE 18,695 0 0
SELECT SECTOR FINANC Equities 81369Y605 660,829 13,267 SH SOLE 13,267 0 0
SERVICENOW INC Equities 81762P102 1,774,596 2,229 SH SOLE 2,229 0 0
SHERWIN WILLIAMS Equities 824348106 3,930,133 11,255 SH SOLE 11,255 0 0
SPDR S&P 500 Equities 78462F103 17,998,373 32,175 SH SOLE 32,012 163 0
SPDR S&P MIDCAP 400 Equities 78467Y107 154,709 290 SH DFND 290 0 0
SPDR S&P MIDCAP 400 Equities 78467Y107 7,948,319 14,899 SH SOLE 14,853 46 0
STARBUCKS CORP Equities 855244109 937,838 9,561 SH SOLE 9,561 0 0
STRYKER CORP Equities 863667101 4,442,432 11,934 SH SOLE 11,934 0 0
T MOBILE US INC Equities 872590104 447,273 1,677 SH SOLE 1,677 0 0
TARGET CORP Equities 87612E106 1,131,993 10,847 SH SOLE 10,847 0 0
TEXAS INSTRUMENTS Equities 882508104 369,463 2,056 SH SOLE 2,056 0 0
THERMO FISHER Equities 883556102 992,214 1,994 SH SOLE 1,994 0 0
TJX COS INC NEW Equities 872540109 2,268,281 18,623 SH SOLE 18,623 0 0
TRACTOR SUPPLY CO Equities 892356106 4,411,251 80,059 SH SOLE 80,059 0 0
ULTA BEAUTY INC Equities 90384S303 635,214 1,733 SH SOLE 1,733 0 0
UNION PACIFIC CORP Equities 907818108 1,837,238 7,777 SH SOLE 7,777 0 0
UNITED PARCEL SERVIC Equities 911312106 463,828 4,217 SH SOLE 4,217 0 0
UNITED RENTALS INC Equities 911363109 7,185,742 11,466 SH SOLE 11,466 0 0
UNITEDHEALTH GROUP INC COM Equities 91324P102 7,224,084 13,793 SH SOLE 13,793 0 0
US BANCORP DEL COM Equities 902973304 289,249 6,851 SH SOLE 6,851 0 0
VALERO ENERGY CORP Equities 91913Y100 5,000,170 37,860 SH SOLE 37,860 0 0
VAN TOTAL STOCK MKT Mutual Funds 922908728 302,667 2,263 SH SOLE 2,263 0 0
VANGD INDEX REIT 986 Equities 922908553 647,904 7,156 SH SOLE 7,156 0 0
VANGUARD EMG MKT ETF Equities 921946885 4,049,608 63,078 SH SOLE 62,745 333 0
VANGUARD FTSE DEV MK Equities 921943858 10,853,679 213,529 SH SOLE 213,529 0 0
VANGUARD FTSE EMG MK Equities 922042858 118,129 2,610 SH DFND 2,610 0 0
VANGUARD FTSE EMG MK Equities 922042858 8,726,626 192,811 SH SOLE 192,811 0 0
VANGUARD INTER-TERM Mutual Funds 922907878 970,625 72,057 SH SOLE 72,057 0 0
VANGUARD RUSSELL Equities 92206C664 208,884 2,590 SH SOLE 2,590 0 0
VANGUARD S&P 500 ETF Equities 922908363 639,305 1,244 SH SOLE 1,244 0 0
VANGUARD SM CAP ETF Equities 922908751 200,019 902 SH SOLE 902 0 0
VISA INC CLASS A Equities 92826C839 13,385,820 38,195 SH SOLE 38,195 0 0
WAL MART STORES INC Equities 931142103 2,777,149 31,634 SH SOLE 31,634 0 0
WILLIAMS COS INC Equities 969457100 5,604,532 93,784 SH SOLE 93,784 0 0
XCEL ENERGY INC Equities 98389B100 1,635,178 23,099 SH SOLE 23,099 0 0
ZOETIS INC Equities 98978V103 1,454,683 8,835 SH SOLE 8,835 0 0