Baker Boyer National Bank 13F-HR Quarterly holdings report by institutional manager

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

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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
ACCENTURE PLC CL A	FOREIGN EQUITIES	G1151C101	1,225,229	3,535	SH		SOLE		3,535	0	0
ABBOTT LABORATORIES INC COM	COMMON STOCK	002824100	210,268	1,850	SH		SOLE		1,850	0	0
ABBVIE INC	COMMON STOCK	00287Y109	306,653	1,684	SH		SOLE		1,684	0	0
ADOBE SYS INC COM	COMMON STOCK	00724F101	465,735	923	SH		SOLE		923	0	0
ALPHA ARCHITECT US QUANTITATIVE VALUE ETF	CLOSED END FD/EQ CEF&ETF	02072L102	612,931	13,642	SH		SOLE		13,580	0	62
ALPHA ARCHITECT INTL QUANTITATIVE VALUE ETF	CLOSED END/INTL EQ CEF&ETF	02072L201	391,143	14,503	SH		SOLE		14,412	0	91
ALPHA ARCHITECT INTL QUANTITATIVE MOMENTUM ETF	CLOSED END/INTL EQ CEF&ETF	02072L300	1,996,765	68,477	SH		SOLE		68,407	0	70
ALPHA ARCHITECT US QUANTITATIVE MOMENTUM ETF	CLOSED END FD/EQ CEF&ETF	02072L409	531,156	8,986	SH		SOLE		8,943	0	43
ALPHABET INC CLASS C	COMMON STOCK	02079K107	1,481,791	9,732	SH		SOLE		9,732	0	0
ALPHABET INC CLASS A	COMMON STOCK	02079K305	879,166	5,825	SH		SOLE		5,825	0	0
AMAZON.COM INC	COMMON STOCK	023135106	757,049	4,197	SH		SOLE		4,197	0	0
AMERICAN EXPRESS CO	COMMON STOCK	025816109	382,063	1,678	SH		SOLE		1,678	0	0
APPLE INC	COMMON STOCK	037833100	3,727,616	21,738	SH		SOLE		21,738	0	0
BERKSHIRE HATHAWAY INC DEL CL B	COMMON STOCK	084670702	914,603	2,175	SH		SOLE		2,175	0	0
BLACKROCK INC COMMON STOCK	COMMON STOCK	09247X101	260,948	313	SH		SOLE		313	0	0
BOEING COMPANY	COMMON STOCK	097023105	633,384	3,282	SH		SOLE		3,282	0	0
CATERPILLAR INC COM	COMMON STOCK	149123101	659,921	1,801	SH		SOLE		1,801	0	0
CHEVRON CORPORATION	COMMON STOCK	166764100	497,347	3,153	SH		SOLE		3,153	0	0
CISCO SYS INC	COMMON STOCK	17275R102	411,024	8,237	SH		SOLE		8,237	0	0
CONSOLIDATED EDISON INC COM	COMMON STOCK	209115104	311,114	3,426	SH		SOLE		3,426	0	0
COSTCO WHSL CORP NEW	COMMON STOCK	22160K105	1,762,696	2,406	SH		SOLE		2,406	0	0
CUMMINS INC	COMMON STOCK	231021106	730,702	2,480	SH		SOLE		2,480	0	0
DANAHER CORP	COMMON STOCK	235851102	851,044	3,408	SH		SOLE		3,408	0	0
DEERE & COMPANY	COMMON STOCK	244199105	1,647,020	4,010	SH		SOLE		4,010	0	0
DIAGEO PLC SPON ADR NEW	FOREIGN EQUITIES	25243Q205	207,488	1,395	SH		SOLE		1,395	0	0
DIMENSIONAL ETF TRUST INTL CORE ETF	CLOSED END FD/EQ CEF&ETF	25434V203	5,222,095	172,860	SH		SOLE		172,787	0	73
DFA EMERGING MARKETS CORE ETF	CLOSED END/INTL EQ CEF&ETF	25434V302	2,530,347	102,403	SH		SOLE		102,246	0	157
DIMENSIONAL U.S. SMALL CAP ETF	CLOSED END FD/EQ CEF&ETF	25434V500	2,733,769	43,853	SH		SOLE		43,853	0	0
DIMENSIONAL U.S. TARGETED VALUE ETF	CLOSED END FD/EQ CEF&ETF	25434V609	494,169	9,079	SH		SOLE		9,079	0	0
DIMENSIONAL U.S. CORE EQUIT Y II ETF	CLOSED END FD/EQ CEF&ETF	25434V708	58,011,228	1,815,690	SH		SOLE		1,815,527	0	163
DIMENSIONAL US MARKETWIDE VALUE ETF	CLOSED END FD/EQ CEF&ETF	25434V724	21,075,195	515,287	SH		SOLE		515,287	0	0
DIMENSIONAL INTERNATIONAL VALUE ETF	CLOSED END/INTL EQ CEF&ETF	25434V807	8,883,242	241,722	SH		SOLE		241,722	0	0
DIMENSIONAL WORLD EX US CORE EQUITY 2 ETF	CLOSED END/INTL EQ CEF&ETF	25434V880	42,774,589	1,682,055	SH		SOLE		1,682,055	0	0
DUKE ENERGY CORP NEW	COMMON STOCK	26441C204	295,255	3,053	SH		SOLE		3,053	0	0
EXXON MOBIL CORP COM	COMMON STOCK	30231G102	445,428	3,832	SH		SOLE		3,832	0	0
META PLATFORMS, INC.	COMMON STOCK	30303M102	879,869	1,812	SH		SOLE		1,812	0	0
FEDERAL EXPRESS	COMMON STOCK	31428X106	217,875	752	SH		SOLE		752	0	0
FIDELITY TOTAL BOND ETF	CLOSED END FD/FIX INC CEF&ETF	316188309	16,820,215	371,226	SH		SOLE		367,424	0	3,802
HOME DEPOT INC COM	COMMON STOCK	437076102	1,139,260	2,970	SH		SOLE		2,970	0	0
HONEYWELL INTL INC COM	COMMON STOCK	438516106	684,507	3,335	SH		SOLE		3,335	0	0
ILLINOIS TOOL WKS INC COM	COMMON STOCK	452308109	395,771	1,475	SH		SOLE		1,475	0	0
INTEL CORPORATION COM	COMMON STOCK	458140100	408,741	9,256	SH		SOLE		9,256	0	0
INTERNATIONAL BUSINESS MACHINES CORP COM	COMMON STOCK	459200101	381,153	1,996	SH		SOLE		1,996	0	0
INTUIT INC COM	COMMON STOCK	461202103	435,500	670	SH		SOLE		670	0	0
ISHARES RUSSELL 1000 GROWTH INDEX FD ETF	CLOSED END FD/EQ CEF&ETF	464287614	947,082	2,810	SH		SOLE		2,810	0	0
ISHARES NATIONAL MUNI BD ETF	MUTUAL FUND/TX EXPT/CEF & ETF	464288414	275,455	2,560	SH		SOLE		2,560	0	0
ISHARES MSCI USA MOMENTUM FACTOR ETF	CLOSED END FD/EQ CEF&ETF	46432F396	1,325,301	7,074	SH		SOLE		7,074	0	0
ISHARES CORE MSCI EMERGING MARKETS ETF	CLOSED END/INTL EQ CEF&ETF	46434G103	940,317	18,227	SH		SOLE		18,227	0	0
JPMORGAN CHASE & CO COM	COMMON STOCK	46625H100	272,406	1,360	SH		SOLE		1,360	0	0
JOHNSON & JOHNSON COM	COMMON STOCK	478160104	1,601,506	10,124	SH		SOLE		10,124	0	0
LOWES COMPANIES INC COM	COMMON STOCK	548661107	235,625	925	SH		SOLE		925	0	0
MASTERCARD INCORPORATED	COMMON STOCK	57636Q104	710,794	1,476	SH		SOLE		1,476	0	0
MCDONALDS CORP COM	COMMON STOCK	580135101	1,030,768	3,656	SH		SOLE		3,656	0	0
MERCK & CO INC NEW	COMMON STOCK	58933Y105	442,818	3,356	SH		SOLE		3,356	0	0
MICROSOFT CORP COM	COMMON STOCK	594918104	4,272,718	10,156	SH		SOLE		10,156	0	0
NIKE INC CL B COM	COMMON STOCK	654106103	482,961	5,139	SH		SOLE		5,139	0	0
PACCAR INC	COMMON STOCK	693718108	1,043,896	8,426	SH		SOLE		8,426	0	0
PAYCHEX INC COM	COMMON STOCK	704326107	367,172	2,990	SH		SOLE		2,990	0	0
PEPSICO INC COM	COMMON STOCK	713448108	359,115	2,052	SH		SOLE		2,052	0	0
PROCTER & GAMBLE CO COM	COMMON STOCK	742718109	1,063,865	6,557	SH		SOLE		6,557	0	0
RAYTHEON TECHNOLOGIES CORP	COMMON STOCK	75513E101	374,702	3,842	SH		SOLE		3,842	0	0
SPDR S&P 500 TRUST ETF	CLOSED END FD/EQ CEF&ETF	78462F103	1,204,629	2,303	SH		SOLE		2,303	0	0
SOUTHERN CO	COMMON STOCK	842587107	842,298	11,741	SH		SOLE		11,741	0	0
STRYKER CORP COM	COMMON STOCK	863667101	431,220	1,205	SH		SOLE		1,205	0	0
TESLA MOTORS, INC	COMMON STOCK	88160R101	467,770	2,661	SH		SOLE		2,661	0	0
US BANCORP DEL COM NEW	COMMON STOCK	902973304	204,591	4,577	SH		SOLE		4,577	0	0
UNION PAC CORP COM	COMMON STOCK	907818108	602,770	2,451	SH		SOLE		2,451	0	0
UNITED HEALTH GROUP INC	COMMON STOCK	91324P102	580,281	1,173	SH		SOLE		1,173	0	0
VALMONT INDUSTRIES, INC.	COMMON STOCK	920253101	293,339	1,285	SH		SOLE		1,285	0	0
VANGUARD FTSE DEVELOPED MARKETS ETF	CLOSED END/INTL EQ CEF&ETF	921943858	4,277,090	85,269	SH		SOLE		85,269	0	0
VANGUARD EMERGING MARKETS ETF	CLOSED END/INTL EQ CEF&ETF	922042858	1,053,897	25,231	SH		SOLE		25,231	0	0
VANGUARD INTERMEDIATE TERM TREASURY ETF	CLOSED END FD/FIX INC CEF&ETF	92206C706	6,372,440	108,857	SH		SOLE		108,857	0	0
VANGUARD TAX EXEMPT BOND ETF	MUTUAL FUND/TX EXPT/CEF & ETF	922907746	60,364,207	1,193,206	SH		SOLE		1,189,691	0	3,515
VANGUARD S&P 500 ETF	CLOSED END FD/EQ CEF&ETF	922908363	1,575,731	3,278	SH		SOLE		3,278	0	0
VANGUARD EXTENDED MARKET INDEX ETF	CLOSED END FD/EQ CEF&ETF	922908652	375,603	2,143	SH		SOLE		2,143	0	0
VANGUARD GROWTH ETF	CLOSED END FD/EQ CEF&ETF	922908736	3,223,431	9,365	SH		SOLE		9,365	0	0
VANGUARD VALUE ETF	CLOSED END FD/EQ CEF&ETF	922908744	5,191,142	31,875	SH		SOLE		31,875	0	0
VANGUARD SMALL CAP ETF	CLOSED END FD/EQ CEF&ETF	922908751	852,637	3,730	SH		SOLE		3,730	0	0
VISA INC	COMMON STOCK	92826C839	603,902	2,164	SH		SOLE		2,164	0	0
WASTE MANAGEMENT INC NEW	COMMON STOCK	94106L109	421,822	1,979	SH		SOLE		1,979	0	0