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
AT&T Inc Com Com 00206R102 224,367 10,839 SH SOLE 0 10,839 0 0
AT&T Inc Com Com 00206R102 9,046 437 SH DFND 0 437 0 0
Abbott Laboratories Com 002824100 23,865 263 SH SOLE 0 263 0 0
Abbott Laboratories Com 002824100 180,573 1,990 SH OTR 0 1,990 0 0
Abbvie Inc Com Com 00287Y109 155,514 618 SH SOLE 0 618 0 0
Abbvie Inc Com Com 00287Y109 381,486 1,516 SH OTR 0 1,516 0 0
Advanced Micro Devices Inc Com 007903107 231,202 398 SH SOLE 0 398 0 0
Alphabet Inc Cap Stk CL C Cap Com 02079K107 392,903 1,112 SH SOLE 0 1,112 0 0
Alphabet Inc Cap Stk CL C Cap Com 02079K107 4,966,760 14,057 SH DFND 0 14,057 0 0
Alphabet Inc Cap Stk CL A Cap Stk Com 02079K305 2,161,016 6,047 SH SOLE 0 6,047 0 0
Alphabet Inc Cap Stk CL A Cap Stk Com 02079K305 4,945,643 13,839 SH DFND 0 13,839 0 0
Amazon Com Inc Com 023135106 862,552 3,619 SH SOLE 0 3,619 0 0
Amazon Com Inc Com 023135106 5,272,081 22,120 SH DFND 0 22,120 0 0
American Express Co Com 025816109 81,180 240 SH SOLE 0 240 0 0
American Express Co Com 025816109 1,362,133 4,027 SH DFND 0 4,027 0 0
Analog Devices Inc Com 032654105 105,647 266 SH SOLE 0 266 0 0
Analog Devices Inc Com 032654105 578,677 1,457 SH OTR 0 1,457 0 0
Apple Computer Inc Com 037833100 3,401,427 11,755 SH SOLE 0 11,755 0 0
Apple Computer Inc Com 037833100 8,889,718 30,722 SH DFND 0 30,722 0 0
Apple Computer Inc Com 037833100 1,158,597 4,004 SH OTR 0 4,004 0 0
Atmos Energy Corporation Com 049560105 746,274 4,332 SH SOLE 0 4,332 0 0
Atmos Energy Corporation Com 049560105 4,174,963 24,235 SH OTR 0 24,235 0 0
Berkshire Hathaway Inc Com 084670108 748,850 1 SH SOLE 0 1 0 0
Berkshire Hathaway Inc-CL B Com 084670702 1,530,693 3,059 SH SOLE 0 3,059 0 0
Broadcom Inc Com Com 11135F101 444,990 1,178 SH SOLE 0 1,178 0 0
CLI Capital Com 125627109 466,665 93,333 SH SOLE 0 93,333 0 0
Caterpillar Inc Com 149123101 3,563,155 3,346 SH SOLE 0 3,346 0 0
Caterpillar Inc Com 149123101 777,377 730 SH OTR 0 730 0 0
Chevron Corp Com 166764100 781,724 4,716 SH SOLE 0 4,716 0 0
Cisco Systems Inc Com 17275R102 352,468 3,001 SH SOLE 0 3,001 0 0
Cisco Systems Inc Com 17275R102 11,746 100 SH DFND 0 100 0 0
Coca-Cola Company - Common Com 191216100 407,975 5,020 SH SOLE 0 5,020 0 0
Coca-Cola Company - Common Com 191216100 16,254 200 SH DFND 0 200 0 0
Colgate Palmolive Co Com 194162103 527,160 5,750 SH SOLE 0 5,750 0 0
Corning Inc Com 219350105 204,344 800 SH SOLE 0 800 0 0
Corning Inc Com 219350105 51,086 200 SH DFND 0 200 0 0
Costco Whsl Corp New Com Com 22160K105 216,094 231 SH SOLE 0 231 0 0
Danaher Corp DE Com 235851102 264,767 1,390 SH SOLE 0 1,390 0 0
Deere & Co - Common Com 244199105 1,231,235 1,941 SH SOLE 0 1,941 0 0
Digital Rlty Tr Inc Com 253868103 40,406 225 SH SOLE 0 225 0 0
Digital Rlty Tr Inc Com 253868103 299,360 1,667 SH OTR 0 1,667 0 0
Dimensional U.S. Equity Market ETF Com 25434V401 2,788,254 34,028 SH SOLE 0 34,028 0 0
Dimensional ETF Trust US Small Cap Com 25434V500 500,298 6,076 SH SOLE 0 6,076 0 0
Dimensional ETF Trust US Target Value Com 25434V609 381,305 5,455 SH SOLE 0 5,455 0 0
Dimensional ETF Trust US Core Equity 2 Com 25434V708 205,476 4,632 SH SOLE 0 4,632 0 0
Dimensional ETF Trust US Mktwide Value Com 25434V724 1,049,811 19,084 SH SOLE 0 19,084 0 0
Exxon Hldgs Corp Com Com 30233Q108 3,576,322 26,158 SH SOLE 0 26,158 0 0
Exxon Hldgs Corp Com Com 30233Q108 102,813 752 SH DFND 0 752 0 0
Meta Platforms Inc. Com 30303M102 247,284 439 SH SOLE 0 439 0 0
Farmers National Banc Corp Com 309627107 204,400 14,000 SH SOLE 0 14,000 0 0
Global X Fds Com 37954Y889 2,957,582 33,419 SH SOLE 0 33,419 0 0
Home Bancshares Inc Com Com 436893200 2,213,196 77,520 SH SOLE 0 77,520 0 0
Home Depot Inc Com 437076102 282,497 801 SH SOLE 0 801 0 0
Illinois Tools Wks Inc Com 452308109 95,746 354 SH SOLE 0 354 0 0
Illinois Tools Wks Inc Com 452308109 243,964 902 SH OTR 0 902 0 0
Intel Corp Com 458140100 309,280 2,215 SH SOLE 0 2,215 0 0
Intel Corp Com 458140100 153,593 1,100 SH DFND 0 1,100 0 0
Intercontinental Exchange Group Com 45866F104 203,870 1,656 SH SOLE 0 1,656 0 0
International Business Machs Com 459200101 219,906 782 SH SOLE 0 782 0 0
iShares JD Select Dividend Com 464287168 2,928,906 18,739 SH SOLE 0 18,739 0 0
iShares JD Select Dividend Com 464287168 3,789,806 24,247 SH DFND 0 24,247 0 0
iShares JD Select Dividend Com 464287168 1,620,675 10,369 SH OTR 0 10,369 0 0
iShares Core S&P 500 ETF Com 464287200 81,651,477 109,030 SH SOLE 0 109,030 0 0
iShares Core S&P 500 ETF Com 464287200 7,473,173 9,979 SH DFND 0 9,979 0 0
iShares Core S&P 500 ETF Com 464287200 6,019,578 8,038 SH OTR 0 8,038 0 0
iShares Core US Aggregate Bond ETF Com 464287226 39,482,528 398,894 SH SOLE 0 398,894 0 0
iShares Core US Aggregate Bond ETF Com 464287226 4,913,169 49,638 SH DFND 0 49,638 0 0
iShares MSCI Emerging Markets ETF Com 464287234 26,634,544 389,337 SH SOLE 0 389,337 0 0
iShares MSCI Emerging Markets ETF Com 464287234 10,797,150 157,830 SH DFND 0 157,830 0 0
iShares S&P 500 Growth ETF Com 464287309 21,990,222 159,894 SH SOLE 0 159,894 0 0
iShares S&P 500 Growth ETF Com 464287309 12,484,836 90,779 SH DFND 0 90,779 0 0
iShares S&P 500 Growth ETF Com 464287309 5,714,372 41,550 SH OTR 0 41,550 0 0
iShares S&P 500 Value ETF Com 464287408 31,048,184 136,740 SH SOLE 0 136,740 0 0
iShares S&P 500 Value ETF Com 464287408 24,952,759 109,895 SH DFND 0 109,895 0 0
iShares S&P 500 Value ETF Com 464287408 4,079,360 17,966 SH OTR 0 17,966 0 0
iShares Barclays 7-10 Year Treasury Bond Fund Com 464287440 640,239 6,770 SH SOLE 0 6,770 0 0
iShares Barclays 1-3 Year Treasury Bond Fund Com 464287457 788,584 9,604 SH SOLE 0 9,604 0 0
iShares MSCI EAFE Index Fund Com 464287465 3,950,245 38,027 SH SOLE 0 38,027 0 0
iShares MSCI EAFE Index Fund Com 464287465 8,070,853 77,694 SH DFND 0 77,694 0 0
iShares MSCI EAFE Index Fund Com 464287465 1,319,172 12,699 SH OTR 0 12,699 0 0
iShares Russell Midcap Value Com 464287473 2,997,201 18,209 SH DFND 0 18,209 0 0
iShares Russell Midcap Value Com 464287473 721,442 4,383 SH OTR 0 4,383 0 0
iShares Russell Midcap Grwth Com 464287481 49,194 336 SH SOLE 0 336 0 0
iShares Russell Midcap Grwth Com 464287481 1,724,710 11,780 SH DFND 0 11,780 0 0
iShares Russell Midcap Grwth Com 464287481 818,432 5,590 SH OTR 0 5,590 0 0
iShares Russell Mid-Cap ETF Com 464287499 15,786,020 143,093 SH SOLE 0 143,093 0 0
iShares Russell Mid-Cap ETF Com 464287499 7,666,578 69,494 SH DFND 0 69,494 0 0
iShares Russell Mid-Cap ETF Com 464287499 91,786 832 SH OTR 0 832 0 0
iShares S&P Midcap 400 Com 464287507 2,147,128 27,845 SH SOLE 0 27,845 0 0
iShares Russell 2000 Value Com 464287630 484,649 2,191 SH SOLE 0 2,191 0 0
iShares Russell 2000 ETF Com 464287655 14,964,513 49,807 SH SOLE 0 49,807 0 0
iShares Russell 2000 ETF Com 464287655 4,810,805 16,012 SH DFND 0 16,012 0 0
iShares Russell 2000 ETF Com 464287655 2,580,565 8,589 SH OTR 0 8,589 0 0
iShares S&P Smallcap 600 Com 464287804 219,499 1,480 SH SOLE 0 1,480 0 0
iShares iBoxx $ High Yield Corp Bd ETF Com 464288513 17,265,363 215,898 SH SOLE 0 215,898 0 0
iShares Tr Core MSCI EAFE Com 46432F842 640,519 6,632 SH SOLE 0 6,632 0 0
iShares Core MSCI Intl Dev Mkts ETF Com 46435G326 53,659,500 602,848 SH SOLE 0 602,848 0 0
iShares Core International Aggt Bd ETF Com 46435G672 30,190,541 596,651 SH SOLE 0 596,651 0 0
JP Morgan Chase & Co Com Com 46625H100 1,329,942 4,063 SH SOLE 0 4,063 0 0
JP Morgan Chase & Co Com Com 46625H100 8,348,552 25,505 SH DFND 0 25,505 0 0
J P Morgan Sustainable Municipal Inc. A Com 46654Q815 716,602 14,207 SH DFND 0 14,207 0 0
Johnson & Johnson Com 478160104 652,449 2,569 SH SOLE 0 2,569 0 0
Johnson & Johnson Com 478160104 25,397 100 SH DFND 0 100 0 0
Eli Lilly Company Com 532457108 810,815 676 SH SOLE 0 676 0 0
Eli Lilly Company Com 532457108 1,199,430 1,000 SH OTR 0 1,000 0 0
Lowe's Companies Com 548661107 189,401 859 SH SOLE 0 859 0 0
Lowe's Companies Com 548661107 44,098 200 SH DFND 0 200 0 0
Aberdeen Municipal Income Fund Com 552738106 64,641 11,502 SH SOLE 0 11,502 0 0
Marvell Technology Group Com 573874104 253,207 850 SH SOLE 0 850 0 0
Mastercard Inc Class A Com 57636Q104 47,251 92 SH SOLE 0 92 0 0
Mastercard Inc Class A Com 57636Q104 1,304,030 2,539 SH DFND 0 2,539 0 0
Merck & Co Inc New Com Com 58933Y105 191,208 1,488 SH SOLE 0 1,488 0 0
Merck & Co Inc New Com Com 58933Y105 168,978 1,315 SH DFND 0 1,315 0 0
Microsoft Corp. Com 594918104 1,669,638 4,476 SH SOLE 0 4,476 0 0
Microsoft Corp. Com 594918104 6,033,225 16,174 SH DFND 0 16,174 0 0
Inspire Global Hope ETF Com 66538H658 841,442 17,644 SH SOLE 0 17,644 0 0
Nvidia Corp Com 67066G104 2,307,638 11,533 SH SOLE 0 11,533 0 0
Nvidia Corp Com 67066G104 9,309,587 46,527 SH DFND 0 46,527 0 0
Oneok Inc Com New Com 682680103 376,711 4,333 SH SOLE 0 4,333 0 0
Oracle Systems Com 68389X105 179,817 1,227 SH SOLE 0 1,227 0 0
Oracle Systems Com 68389X105 1,925,374 13,138 SH DFND 0 13,138 0 0
Pfizer Inc Com 717081103 349,473 14,513 SH SOLE 0 14,513 0 0
Pfizer Inc Com 717081103 24,080 1,000 SH DFND 0 1,000 0 0
Philip Morris Intl Inc Com 718172109 204,428 1,130 SH SOLE 0 1,130 0 0
Procter & Gamble - Common Com 742718109 172,742 1,178 SH SOLE 0 1,178 0 0
Procter & Gamble - Common Com 742718109 135,202 922 SH OTR 0 922 0 0
Prologis Inc Com Com 74340W103 281,778 2,080 SH OTR 0 2,080 0 0
Prosperity Bancshares Inc Com 743606105 181,918 2,491 SH SOLE 0 2,491 0 0
Prosperity Bancshares Inc Com 743606105 3,908,639 53,521 SH OTR 0 53,521 0 0
Qualcomm Inc Com 747525103 203,084 1,099 SH SOLE 0 1,099 0 0
RTX Corporation Com 75513E101 280,231 1,477 SH SOLE 0 1,477 0 0
S&P Depositary Receipt Com 78462F103 2,427,749 3,251 SH SOLE 0 3,251 0 0
S&P Depositary Receipt Com 78462F103 26,240,004 35,138 SH DFND 0 35,138 0 0
S&P Depositary Receipt Com 78462F103 4,943,617 6,620 SH OTR 0 6,620 0 0
State Street Industrial Select Sec SPDR EFT Com 81369Y704 76,500 413 SH SOLE 0 413 0 0
State Street Industrial Select Sec SPDR EFT Com 81369Y704 3,504,552 18,920 SH DFND 0 18,920 0 0
State Street Technology Select Sec SPDR ETF Com 81369Y803 223,289 1,172 SH SOLE 0 1,172 0 0
Starbucks Corp Com 855244109 231,869 2,269 SH SOLE 0 2,269 0 0
Texas Instruments Com 882508104 423,259 1,420 SH SOLE 0 1,420 0 0
Unitedhealth Group Inc Com 91324P102 369,911 890 SH SOLE 0 890 0 0
Unitedhealth Group Inc Com 91324P102 41,563 100 SH DFND 0 100 0 0
Valero Energy Corp Com Stk New Com 91913Y100 325,550 1,250 SH SOLE 0 1,250 0 0
Vanguard Dividend Appreciation Index Fund Com 921908844 257,916 1,090 SH SOLE 0 1,090 0 0
Vanguard Mid Cap ETF Com 922908629 204,648 2,540 SH SOLE 0 2,540 0 0
Vanguard Growth ETF Com 922908736 287,363 3,336 SH SOLE 0 3,336 0 0
Vanguard Index Total Stock Mkt ETF Com 922908769 355,978 962 SH SOLE 0 962 0 0
Visa Inc Class A Com 92826C839 1,089,654 3,176 SH SOLE 0 3,176 0 0
Visa Inc Class A Com 92826C839 1,282,127 3,737 SH DFND 0 3,737 0 0
Wal-Mart Stores Inc Com 931142103 1,330,012 11,743 SH SOLE 0 11,743 0 0
Wal-Mart Stores Inc Com 931142103 8,401,287 74,177 SH DFND 0 74,177 0 0
Wal-Mart Stores Inc Com 931142103 499,816 4,413 SH OTR 0 4,413 0 0
Wells Fargo & Co New Com Stk Com 949746101 550,713 6,664 SH SOLE 0 6,664 0 0
Western Digital Corp Com 958102105 256,127 401 SH SOLE 0 401 0 0
WisdomTree U.S. Al Enhanced Value Fund Com 97717W406 921,984 7,031 SH OTR 0 7,031 0 0
Xcel Energy Inc Com Com 98389B100 490,553 6,109 SH SOLE 0 6,109 0 0
Xcel Energy Inc Com Com 98389B100 224,840 2,800 SH OTR 0 2,800 0 0