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

OMB APPROVAL

OMB Number:		3235-0006
Expires:	Oct 31, 2018
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
Abbvie Inc	Com	00287Y109	288,840	1,684	SH		SOLE	0	1,684	0	0
Adobe Inc	Com	00724F101	299,992	540	SH		SOLE	0	540	0	0
Alpha Architect U.S. Quantitative Value	Com	02072L102	632,675	14,758	SH		SOLE	0	14,758	0	0
Alpha Architect Intl Quantitative Value	Com	02072L201	405,910	16,282	SH		SOLE	0	16,282	0	0
Alpha Architect Momntm Intl Quan	Com	02072L300	1,983,447	71,786	SH		SOLE	0	71,786	0	0
Alpha Architect Momntm Intl Quan	Com	02072L300	89,715	3,247	SH		DFND	0	3,247	0	0
Alpha Arc US Mom	Com	02072L409	569,142	9,769	SH		SOLE	0	9,769	0	0
Alphabet (Google) Class C	Com	02079K107	1,237,535	6,747	SH		SOLE	0	6,747	0	0
Alphabet (Google) Class A	Com	02079K305	396,905	2,179	SH		SOLE	0	2,179	0	0
Amazon.Com Inc	Com	023135106	775,126	4,011	SH		SOLE	0	4,011	0	0
Apple Inc	Com	037833100	3,782,314	17,958	SH		SOLE	0	17,958	0	0
Apple Inc	Com	037833100	506,962	2,407	SH		DFND	0	2,407	0	0
Berkshire Hathaway Inc Class B	Com	084670702	702,544	1,727	SH		SOLE	0	1,727	0	0
Berkshire Hathaway Inc Class B	Com	084670702	36,612	90	SH		DFND	0	90	0	0
Boeing Co	Com	097023105	204,215	1,122	SH		SOLE	0	1,122	0	0
Boeing Co	Com	097023105	327,618	1,800	SH		DFND	0	1,800	0	0
Caterpillar Inc	Com	149123101	314,780	945	SH		SOLE	0	945	0	0
Chevron Corp	Com	166764100	404,815	2,588	SH		SOLE	0	2,588	0	0
Consolidated Edison Inc	Com	209115104	287,306	3,213	SH		SOLE	0	3,213	0	0
Costco Wholesale Corp	Com	22160K105	1,895,478	2,230	SH		SOLE	0	2,230	0	0
Costco Wholesale Corp	Com	22160K105	78,199	92	SH		DFND	0	92	0	0
Cummins Inc	Com	231021106	281,084	1,015	SH		SOLE	0	1,015	0	0
Danaher Corp	Com	235851102	315,061	1,261	SH		SOLE	0	1,261	0	0
Deere & Company	Com	244199105	1,340,211	3,587	SH		SOLE	0	3,587	0	0
Deere & Company	Com	244199105	37,363	100	SH		DFND	0	100	0	0
DFA Intl Core Equity ETF	Com	25434V203	4,947,621	166,755	SH		SOLE	0	166,755	0	0
DFA Emerging Mkts Core Equity ETF	Com	25434V302	2,698,060	104,293	SH		SOLE	0	104,293	0	0
DFA Emerging Mkts Core Equity ETF	Com	25434V302	14,047	543	SH		DFND	0	543	0	0
DFA U.S. Small Cap ETF	Com	25434V500	2,226,324	37,056	SH		SOLE	0	37,056	0	0
DFA U.S. Small Cap ETF	Com	25434V500	153,264	2,551	SH		DFND	0	2,551	0	0
DFA U.S. Targeted Value ETF	Com	25434V609	378,392	7,295	SH		SOLE	0	7,295	0	0
DFA U.S. Core Equity 2 ETF	Com	25434V708	58,623,765	1,818,355	SH		SOLE	0	1,818,355	0	0
DFA U.S. Core Equity 2 ETF	Com	25434V708	267,947	8,311	SH		DFND	0	8,311	0	0
DFA U.S. Marketwide Value ETF	Com	25434V724	19,095,705	486,267	SH		SOLE	0	486,267	0	0
DFA U.S. Marketwide Value ETF	Com	25434V724	59,101	1,505	SH		DFND	0	1,505	0	0
DFA International Value ETF	Com	25434V807	8,445,073	234,977	SH		SOLE	0	234,977	0	0
DFA International Value ETF	Com	25434V807	183,582	5,108	SH		DFND	0	5,108	0	0
DFA World Ex-U.S. Core Equity 2 ETF	Com	25434V880	40,725,890	1,602,120	SH		SOLE	0	1,602,120	0	0
DFA World Ex-U.S. Core Equity 2 ETF	Com	25434V880	1,645,843	64,746	SH		DFND	0	64,746	0	0
Duke Energy Corp	Com	26441C204	273,929	2,733	SH		SOLE	0	2,733	0	0
Duke Energy Corp	Com	26441C204	32,074	320	SH		DFND	0	320	0	0
Exxon Mobil Corporation	Com	30231G102	477,518	4,148	SH		SOLE	0	4,148	0	0
Meta Platforms Inc	Com	30303M102	586,408	1,163	SH		SOLE	0	1,163	0	0
Meta Platforms Inc	Com	30303M102	81,179	161	SH		DFND	0	161	0	0
FedEx Corp	Com	31428X106	203,292	678	SH		SOLE	0	678	0	0
Fidelity Total Bond ETF	Com	316188309	17,563,137	390,900	SH		SOLE	0	387,098	0	3,802
Home Depot Inc	Com	437076102	848,552	2,465	SH		SOLE	0	2,465	0	0
Honeywell International	Com	438516106	584,032	2,735	SH		SOLE	0	2,735	0	0
International Business Machines	Com	459200101	284,676	1,646	SH		SOLE	0	1,646	0	0
Intuit Inc	Com	461202103	276,028	420	SH		SOLE	0	420	0	0
iShares Russell 1000 Growth ETF	Com	464287614	1,024,273	2,810	SH		SOLE	0	2,810	0	0
iShares National Muni Bond	Com	464288414	272,768	2,560	SH		SOLE	0	2,560	0	0
iShares MSCI USA Momentum Factor ETF	Com	46432F396	1,468,345	7,535	SH		SOLE	0	7,535	0	0
iShares Core MSCI Emerging Markets ETF	Com	46434G103	1,043,567	19,495	SH		SOLE	0	19,495	0	0
iShares Core MSCI Emerging Markets ETF	Com	46434G103	17,130	320	SH		DFND	0	320	0	0
iShares ibonds Dec 2028 Term Corp ETF	Com	46435U515	498,372	20,120	SH		SOLE	0	20,120	0	0
JPMorgan Chase &CO	Com	46625H100	203,474	1,006	SH		SOLE	0	1,006	0	0
JPMorgan Chase &CO	Com	46625H100	52,588	260	SH		DFND	0	260	0	0
Johnson & Johnson	Com	478160104	1,248,206	8,540	SH		SOLE	0	8,540	0	0
Lowes Companies Inc	Com	548661107	159,834	725	SH		SOLE	0	725	0	0
Lowes Companies Inc	Com	548661107	44,092	200	SH		DFND	0	200	0	0
Mastercard Inc	Com	57636Q104	474,688	1,076	SH		SOLE	0	1,076	0	0
McDonald's Corporation	Com	580135101	800,198	3,140	SH		SOLE	0	3,140	0	0
Merck & Co Inc	Com	58933Y105	223,088	1,802	SH		SOLE	0	1,802	0	0
Merck & Co Inc	Com	58933Y105	37,140	300	SH		DFND	0	300	0	0
Microsoft Corp	Com	594918104	3,488,892	7,806	SH		SOLE	0	7,806	0	0
Microsoft Corp	Com	594918104	446,950	1,000	SH		DFND	0	1,000	0	0
Nike Inc Cl B	Com	654106103	387,326	5,139	SH		SOLE	0	5,139	0	0
NVIDIA Corp	Com	67066G104	250,786	2,030	SH		SOLE	0	2,030	0	0
Paccar Inc	Com	693718108	488,347	4,744	SH		SOLE	0	4,744	0	0
Pepsico Inc	Com	713448108	331,344	2,009	SH		SOLE	0	2,009	0	0
Pepsico Inc	Com	713448108	4,288	26	SH		DFND	0	26	0	0
Procter & Gamble CO	Com	742718109	800,852	4,856	SH		SOLE	0	4,856	0	0
RTX Corporation	Com	75513E101	385,698	3,842	SH		SOLE	0	3,842	0	0
SPDR S&P 500 ETF	Com	78462F103	1,250,618	2,298	SH		SOLE	0	2,298	0	0
Southern Company	Com	842587107	573,320	7,391	SH		SOLE	0	7,391	0	0
Southern Company	Com	842587107	50,421	650	SH		DFND	0	650	0	0
Stryker Corp	Com	863667101	289,553	851	SH		SOLE	0	851	0	0
Tesla Inc	Com	88160R101	558,615	2,823	SH		SOLE	0	2,823	0	0
Tesla Inc	Com	88160R101	5,936	30	SH		DFND	0	30	0	0
Union Pacific Corp	Com	907818108	488,043	2,157	SH		SOLE	0	2,157	0	0
United Health Group	Com	91324P102	597,362	1,173	SH		SOLE	0	1,173	0	0
Vanguard Developed Markets Index ETF	Com	921943858	5,140,075	104,008	SH		SOLE	0	104,008	0	0
Vanguard FTSE Emerging Markets	Com	922042858	1,443,424	32,985	SH		SOLE	0	32,985	0	0
Vanguard Russell 1000 Growth Index Fund	Com	92206C680	978,157	10,427	SH		SOLE	0	10,427	0	0
Vanguard Interm Term Treasury ETF	Com	92206C706	6,408,619	110,057	SH		SOLE	0	110,057	0	0
Vanguard Russell 1000 Value Index Fund	Com	92206C714	806,895	10,538	SH		SOLE	0	10,538	0	0
Vanguard Muni Bond Tax Exempt	Com	922907746	61,896,022	1,235,203	SH		SOLE	0	1,231,688	0	3,515
Vanguard Muni Bond Tax Exempt	Com	922907746	871,162	17,385	SH		DFND	0	17,385	0	0
Vanguard S&P 500	Com	922908363	1,652,930	3,305	SH		SOLE	0	3,305	0	0
Vanguard Extended Market Index	Com	922908652	361,717	2,143	SH		SOLE	0	2,143	0	0
Vanguard Growth ETF	Com	922908736	3,502,604	9,365	SH		SOLE	0	9,365	0	0
Vanguard Value ETF	Com	922908744	5,259,683	32,789	SH		SOLE	0	32,789	0	0
Vanguard Small-Cap	Com	922908751	813,289	3,730	SH		SOLE	0	3,730	0	0
Visa Inc	Com	92826C839	351,185	1,338	SH		SOLE	0	1,338	0	0
Waste Management	Com	94106L109	422,200	1,979	SH		SOLE	0	1,979	0	0
Accenture PLC	Com	G1151C101	458,756	1,512	SH		SOLE	0	1,512	0	0