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
Expires: July 31, 2015
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
EATON CORP PLC SHS G29183103 419,106 1,174 SH SOLE 1,174 0 0
LINDE PLC SHS G54950103 323,265 689 SH SOLE 689 0 0
AT&T INC COM 00206R102 671,379 23,199 SH SOLE 16,403 0 6,796
AT&T INC COM 00206R102 40,313 1,393 SH OTR 1,350 43 0
ABBOTT LABS COM 002824100 423,671 3,115 SH SOLE 3,115 0 0
ABBOTT LABS COM 002824100 21,625 159 SH OTR 0 159 0
ABBVIE INC COM 00287Y109 1,324,955 7,138 SH SOLE 7,138 0 0
ABBVIE INC COM 00287Y109 38,794 209 SH OTR 0 209 0
ADOBE INC COM 00724F101 145,466 376 SH SOLE 376 0 0
ADOBE INC COM 00724F101 73,507 190 SH OTR 0 190 0
ALPHABET INC CAP STK CL C 02079K107 886,772 4,999 SH SOLE 4,999 0 0
ALPHABET INC CAP STK CL C 02079K107 223,334 1,259 SH OTR 0 1,259 0
ALPHABET INC CAP STK CL A 02079K305 996,404 5,654 SH SOLE 5,654 0 0
ALPHABET INC CAP STK CL A 02079K305 98,512 559 SH OTR 0 559 0
ALTRIA GROUP INC COM 02209S103 203,856 3,477 SH SOLE 3,477 0 0
ALTRIA GROUP INC COM 02209S103 23,452 400 SH OTR 400 0 0
AMAZON COM INC COM 023135106 1,289,574 5,878 SH SOLE 5,878 0 0
AMAZON COM INC COM 023135106 872,294 3,976 SH OTR 1,996 1,980 0
AMERICAN EXPRESS CO COM 025816109 673,366 2,111 SH SOLE 2,111 0 0
AMGEN INC COM 031162100 598,905 2,145 SH SOLE 2,145 0 0
AMGEN INC COM 031162100 24,570 88 SH OTR 0 88 0
APPLE INC COM 037833100 23,489,502 114,488 SH SOLE 114,488 0 0
APPLE INC COM 037833100 764,053 3,724 SH OTR 100 3,624 0
AUTOMATIC DATA PROCESSING IN COM 053015103 768,841 2,493 SH SOLE 2,493 0 0
BANK AMERICA CORP COM 060505104 289,077 6,109 SH SOLE 6,109 0 0
BANK AMERICA CORP COM 060505104 94 2 SH OTR 0 2 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,102,212 2,269 SH SOLE 2,269 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,038,576 2,138 SH OTR 0 2,138 0
BOEING CO COM 097023105 508,948 2,429 SH SOLE 2,429 0 0
BOEING CO COM 097023105 28,286 135 SH OTR 135 0 0
BOOZ ALLEN HAMILTON HLDG COR CL A 099502106 279,068 2,680 SH SOLE 2,680 0 0
BROADCOM INC COM 11135F101 928,113 3,367 SH SOLE 3,367 0 0
BROADCOM INC COM 11135F101 104,747 380 SH OTR 0 380 0
CARRIER GLOBAL CORPORATION COM 14448C104 441,555 6,033 SH SOLE 6,033 0 0
CARRIER GLOBAL CORPORATION COM 14448C104 8,050 110 SH OTR 100 10 0
CATERPILLAR INC COM 149123101 4,399,583 11,333 SH SOLE 11,333 0 0
CATERPILLAR INC COM 149123101 45,032 116 SH OTR 100 16 0
CHERRY HILL MTG INVT CORP COM 164651101 35,490 13,000 SH SOLE 13,000 0 0
CHEVRON CORP NEW COM 166764100 648,507 4,529 SH SOLE 4,529 0 0
CHEVRON CORP NEW COM 166764100 172,257 1,203 SH OTR 473 730 0
CISCO SYS INC COM 17275R102 734,526 10,587 SH SOLE 10,587 0 0
CISCO SYS INC COM 17275R102 130,434 1,880 SH OTR 950 930 0
COCA COLA CO COM 191216100 4,010,110 56,680 SH SOLE 56,680 0 0
COCA COLA CO COM 191216100 37,356 528 SH OTR 350 178 0
COMCAST CORP NEW CL A 20030N101 324,315 9,087 SH SOLE 7,081 0 2,006
COMCAST CORP NEW CL A 20030N101 571 16 SH OTR 0 16 0
CONOCOPHILLIPS COM 20825C104 406,342 4,528 SH SOLE 4,528 0 0
COSTCO WHSL CORP NEW COM 22160K105 1,335,429 1,349 SH SOLE 1,349 0 0
COSTCO WHSL CORP NEW COM 22160K105 327,670 331 SH OTR 0 331 0
DANAHER CORPORATION COM 235851102 1,314,431 6,654 SH SOLE 6,654 0 0
DISNEY WALT CO COM 254687106 228,054 1,839 SH SOLE 1,839 0 0
DISNEY WALT CO COM 254687106 73,413 592 SH OTR 0 592 0
DOMINION ENERGY INC COM 25746U109 505,684 8,947 SH SOLE 8,947 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 552,830 4,685 SH SOLE 4,685 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 94,400 800 SH OTR 300 500 0
ELLINGTON FINANCIAL INC COM 28852N109 129,900 10,000 SH SOLE 10,000 0 0
EMERSON ELEC CO COM 291011104 295,459 2,216 SH SOLE 2,216 0 0
ENTERPRISE PRODS PARTNERS L COM 293792107 296,920 9,575 SH SOLE 9,575 0 0
EXXON MOBIL CORP COM 30231G102 1,164,455 10,802 SH SOLE 10,802 0 0
EXXON MOBIL CORP COM 30231G102 77,939 723 SH OTR 615 108 0
META PLATFORMS INC CL A 30303M102 742,518 1,006 SH SOLE 1,006 0 0
META PLATFORMS INC CL A 30303M102 40,594 55 SH OTR 0 55 0
FORTINET INC COM 34959E109 281,003 2,658 SH SOLE 2,658 0 0
GE VERNOVA INC COM 36828A101 386,279 730 SH SOLE 730 0 0
GE VERNOVA INC COM 36828A101 11,112 21 SH OTR 0 21 0
GE AEROSPACE COM NEW 369604301 643,475 2,500 SH SOLE 2,500 0 0
GE AEROSPACE COM NEW 369604301 22,650 88 SH OTR 0 88 0
HOME DEPOT INC COM 437076102 1,312,571 3,580 SH SOLE 3,580 0 0
HOME DEPOT INC COM 437076102 32,630 89 SH OTR 0 89 0
HONEYWELL INTL INC COM 438516106 989,972 4,251 SH SOLE 4,251 0 0
HONEYWELL INTL INC COM 438516106 159,289 684 SH OTR 0 684 0
INTERNATIONAL BUSINESS MACHS COM 459200101 6,905,516 23,426 SH SOLE 23,351 0 75
INTERNATIONAL BUSINESS MACHS COM 459200101 29,478 100 SH OTR 100 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 241,066 437 SH SOLE 437 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 73,368 133 SH OTR 133 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 97,482,609 536,385 SH SOLE 536,025 234 126
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 31,077 171 SH OTR 171 0 0
ISHARES SILVER TR ISHARES 46428Q109 211,624 6,450 SH SOLE 6,450 0 0
ISHARES TR CORE S&P500 ETF 464287200 1,194,611 1,924 SH SOLE 1,924 0 0
ISHARES TR CORE US AGGBD ET 464287226 540,668,966 5,450,292 SH SOLE 5,448,651 162 1,479
ISHARES TR CORE US AGGBD ET 464287226 248,892 2,509 SH OTR 2,009 500 0
ISHARES TR IBOXX INV CP ETF 464287242 163,414,699 1,490,874 SH SOLE 1,490,543 44 287
ISHARES TR IBOXX INV CP ETF 464287242 60,066 548 SH OTR 548 0 0
ISHARES TR 7-10 YR TRSY BD 464287440 119,575,836 1,248,573 SH SOLE 1,248,321 33 219
ISHARES TR 7-10 YR TRSY BD 464287440 40,031 418 SH OTR 418 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 12,287,972 148,298 SH SOLE 147,764 0 534
ISHARES TR MSCI EAFE ETF 464287465 1,252,353 14,010 SH SOLE 13,460 0 550
ISHARES TR MSCI EAFE ETF 464287465 81,166 908 SH OTR 0 908 0
ISHARES TR RUS MID CAP ETF 464287499 409,174 4,449 SH SOLE 4,449 0 0
ISHARES TR CORE S&P MCP ETF 464287507 135,503,342 2,184,833 SH SOLE 2,183,427 930 476
ISHARES TR CORE S&P MCP ETF 464287507 50,236 810 SH OTR 810 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 470,813 2,424 SH SOLE 2,424 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 365,138 860 SH SOLE 860 0 0
ISHARES TR RUS 1000 ETF 464287622 689,327 2,030 SH SOLE 2,030 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 257,274 900 SH SOLE 900 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 253,121 1,173 SH SOLE 1,173 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 30,857 143 SH OTR 0 143 0
ISHARES TR RUSSELL 3000 ETF 464287689 342,225 975 SH SOLE 975 0 0
ISHARES TR S&P MC 400VL ETF 464287705 3,205,912 25,942 SH SOLE 25,942 0 0
ISHARES TR CORE S&P SCP ETF 464287804 92,458,465 845,992 SH SOLE 845,367 448 177
ISHARES TR CORE S&P SCP ETF 464287804 33,552 307 SH OTR 307 0 0
ISHARES TR DOW JONES US ETF 464287846 214,241 1,420 SH SOLE 1,420 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 19,078,459 179,410 SH SOLE 176,933 1,826 651
ISHARES TR MSCI ACWI EX US 464288240 466,191 7,650 SH SOLE 7,650 0 0
ISHARES TR NATIONAL MUN ETF 464288414 825,392 7,900 SH SOLE 7,900 0 0
ISHARES TR ESG MSCI KLD 400 464288570 621,339 5,349 SH SOLE 5,349 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 157,584,623 2,986,820 SH SOLE 2,986,132 92 596
ISHARES TR ISHS 1-5YR INVS 464288646 60,093 1,139 SH OTR 1,139 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 397,641 3,339 SH SOLE 3,339 0 0
ISHARES TR ESG OPTIMIZED 464288802 1,234,798 9,742 SH SOLE 9,742 0 0
ISHARES TR US TREAS BD ETF 46429B267 389,556 16,952 SH SOLE 16,952 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 242,602 1,327 SH SOLE 1,327 0 0
ISHARES TR CORE MSCI EAFE 46432F842 255,018,460 3,054,845 SH SOLE 3,052,879 1,283 683
ISHARES TR CORE MSCI EAFE 46432F842 91,828 1,100 SH OTR 1,100 0 0
ISHARES INC CORE MSCI EMKT 46434G103 130,553,484 2,174,804 SH SOLE 2,173,106 1,123 575
ISHARES INC CORE MSCI EMKT 46434G103 47,423 790 SH OTR 790 0 0
ISHARES TR CORE TOTAL USD 46434V613 235,773 5,100 SH SOLE 5,100 0 0
JPMORGAN CHASE & CO. COM 46625H100 2,953,023 10,186 SH SOLE 10,186 0 0
JPMORGAN CHASE & CO. COM 46625H100 156,551 540 SH OTR 381 159 0
JOHNSON & JOHNSON COM 478160104 1,476,634 9,667 SH SOLE 9,667 0 0
JOHNSON & JOHNSON COM 478160104 73,167 479 SH OTR 85 394 0
ELI LILLY & CO COM 532457108 531,639 682 SH SOLE 682 0 0
LOCKHEED MARTIN CORP COM 539830109 197,297 426 SH SOLE 426 0 0
LOCKHEED MARTIN CORP COM 539830109 24,546 53 SH OTR 0 53 0
LOWES COS INC COM 548661107 193,248 871 SH SOLE 871 0 0
LOWES COS INC COM 548661107 279,556 1,260 SH OTR 0 1,260 0
MASTERCARD INCORPORATED CL A 57636Q104 203,422 362 SH SOLE 362 0 0
MASTERCARD INCORPORATED CL A 57636Q104 141,046 251 SH OTR 0 251 0
MCDONALDS CORP COM 580135101 1,154,071 3,950 SH SOLE 3,950 0 0
MCDONALDS CORP COM 580135101 260,907 893 SH OTR 350 543 0
MERCK & CO INC COM 58933Y105 411,236 5,195 SH SOLE 5,195 0 0
MERCK & CO INC COM 58933Y105 40,925 517 SH OTR 400 117 0
MICROSOFT CORP COM 594918104 14,219,459 28,587 SH SOLE 28,587 0 0
MICROSOFT CORP COM 594918104 1,527,546 3,071 SH OTR 234 2,837 0
NETFLIX INC COM 64110L106 163,373 122 SH SOLE 122 0 0
NETFLIX INC COM 64110L106 46,869 35 SH OTR 0 35 0
NEXTERA ENERGY INC COM 65339F101 433,319 6,242 SH SOLE 6,242 0 0
NEXTERA ENERGY INC COM 65339F101 48,594 700 SH OTR 0 700 0
NORFOLK SOUTHN CORP COM 655844108 657,330 2,568 SH SOLE 2,568 0 0
NORFOLK SOUTHN CORP COM 655844108 89,589 350 SH OTR 0 350 0
NORTHROP GRUMMAN CORP COM 666807102 409,983 820 SH SOLE 820 0 0
NORTHROP GRUMMAN CORP COM 666807102 68,497 137 SH OTR 0 137 0
NVIDIA CORPORATION COM 67066G104 1,545,458 9,782 SH SOLE 9,782 0 0
NVIDIA CORPORATION COM 67066G104 39,497 250 SH OTR 250 0 0
ORACLE CORP COM 68389X105 653,485 2,989 SH SOLE 2,989 0 0
ORACLE CORP COM 68389X105 110,408 505 SH OTR 0 505 0
OTIS WORLDWIDE CORP COM 68902V107 215,269 2,174 SH SOLE 2,174 0 0
OTIS WORLDWIDE CORP COM 68902V107 495 5 SH OTR 0 5 0
PPG INDS INC COM 693506107 280,507 2,466 SH SOLE 2,466 0 0
PEPSICO INC COM 713448108 1,194,037 9,043 SH SOLE 9,043 0 0
PEPSICO INC COM 713448108 51,891 393 SH OTR 343 50 0
PFIZER INC COM 717081103 530,856 21,900 SH SOLE 21,900 0 0
PFIZER INC COM 717081103 33,717 1,391 SH OTR 0 1,391 0
PHILIP MORRIS INTL INC COM 718172109 364,624 2,002 SH SOLE 2,002 0 0
PHILIP MORRIS INTL INC COM 718172109 51,722 283 SH OTR 201 82 0
PROCTER AND GAMBLE CO COM 742718109 1,229,153 7,715 SH SOLE 7,715 0 0
PROCTER AND GAMBLE CO COM 742718109 97,344 611 SH OTR 70 541 0
PRUDENTIAL FINL INC COM 744320102 401,718 3,739 SH SOLE 3,739 0 0
QUALCOMM INC COM 747525103 325,368 2,043 SH SOLE 2,043 0 0
RTX CORPORATION COM 75513E101 562,323 3,851 SH SOLE 3,851 0 0
RTX CORPORATION COM 75513E101 37,819 259 SH OTR 100 159 0
S&P GLOBAL INC COM 78409V104 1,285,533 2,438 SH SOLE 2,438 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 460,049,874 744,598 SH SOLE 743,743 369 486
SPDR S&P 500 ETF TR TR UNIT 78462F103 154,462 250 SH OTR 250 0 0
SPDR GOLD TR GOLD SHS 78463V107 931,865 3,057 SH SOLE 3,057 0 0
SPDR SERIES TRUST PORTFOLIO SHORT 78464A474 621,672 20,592 SH SOLE 20,592 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 513,797 907 SH SOLE 907 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 69,677 123 SH OTR 0 123 0
SPDR SERIES TRUST PORTFOLIO SH TSR 78468R101 99,203,999 3,386,958 SH SOLE 3,386,137 110 711
SPDR SERIES TRUST PORTFOLIO SH TSR 78468R101 39,775 1,358 SH OTR 1,358 0 0
SPDR SERIES TRUST SPDR S&P 500 ETF 78468R796 200,154 3,930 SH SOLE 3,930 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 459,472 18,800 SH SOLE 18,800 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 769,274 26,336 SH SOLE 26,336 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755 235,037 5,873 SH SOLE 5,873 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771 386,578 15,753 SH SOLE 15,753 0 0
SOUTHERN CO COM 842587107 925,279 10,076 SH SOLE 10,076 0 0
SOUTHERN CO COM 842587107 29,385 320 SH OTR 300 20 0
STARBUCKS CORP COM 855244109 885,420 9,663 SH SOLE 9,663 0 0
STARBUCKS CORP COM 855244109 213,314 2,328 SH OTR 1,498 830 0
STRYKER CORPORATION COM 863667101 103,655 262 SH SOLE 262 0 0
STRYKER CORPORATION COM 863667101 111,172 281 SH OTR 0 281 0
TARGET CORP COM 87612E106 330,872 3,354 SH SOLE 3,354 0 0
TESLA INC COM 88160R101 265,881 837 SH SOLE 837 0 0
3M CO COM 88579Y101 512,287 3,365 SH SOLE 3,365 0 0
3M CO COM 88579Y101 1,522 10 SH OTR 0 10 0
TRAVELERS COMPANIES INC COM 89417E109 207,343 775 SH SOLE 775 0 0
TRAVELERS COMPANIES INC COM 89417E109 20,600 77 SH OTR 0 77 0
UNION PAC CORP COM 907818108 281,157 1,222 SH SOLE 1,222 0 0
UNION PAC CORP COM 907818108 34,512 150 SH OTR 0 150 0
UNITEDHEALTH GROUP INC COM 91324P102 435,510 1,396 SH SOLE 1,396 0 0
UNITEDHEALTH GROUP INC COM 91324P102 25,893 83 SH OTR 0 83 0
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 262,112 661 SH SOLE 661 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 217,355 2,952 SH SOLE 2,952 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 367,030 6,438 SH SOLE 6,438 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 247,764 2,988 SH SOLE 2,988 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 115,303,066 2,351,684 SH SOLE 2,339,769 4,084 7,831
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 5,554,765 9,779 SH SOLE 9,779 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 78,388 138 SH OTR 0 138 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 5,861,988 21,167 SH SOLE 21,167 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 5,261 19 SH OTR 19 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 582,606 2,082 SH SOLE 2,082 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 52,328 187 SH OTR 187 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 89,706,723 204,623 SH SOLE 204,561 13 49
VANGUARD INDEX FDS GROWTH ETF 922908736 66,636 152 SH OTR 77 75 0
VANGUARD INDEX FDS VALUE ETF 922908744 266,284,790 1,506,647 SH SOLE 1,505,577 762 308
VANGUARD INDEX FDS VALUE ETF 922908744 97,030 549 SH OTR 549 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 581,785 2,455 SH SOLE 2,455 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 46,922 198 SH OTR 198 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 3,044,770 10,018 SH SOLE 10,018 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 32,520 107 SH OTR 0 107 0
VERALTO CORP COM SHS 92338C103 208,966 2,070 SH SOLE 2,070 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 565,495 13,069 SH SOLE 10,695 0 2,374
VERIZON COMMUNICATIONS INC COM 92343V104 33,837 782 SH OTR 782 0 0
VISA INC COM CL A 92826C839 1,269,658 3,576 SH SOLE 3,576 0 0
VISA INC COM CL A 92826C839 112,550 317 SH OTR 0 317 0
WALMART INC COM 931142103 970,270 9,923 SH SOLE 9,923 0 0
WALMART INC COM 931142103 88,002 900 SH OTR 0 900 0
WASTE MGMT INC DEL COM 94106L109 180,996 791 SH SOLE 791 0 0
WASTE MGMT INC DEL COM 94106L109 102,740 449 SH OTR 0 449 0
WELLS FARGO CO NEW COM 949746101 1,019,206 12,721 SH SOLE 12,721 0 0
WELLS FARGO CO NEW COM 949746101 12,498 156 SH OTR 0 156 0
XYLEM INC COM 98419M100 317,578 2,455 SH SOLE 2,355 0 100