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
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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
Abbott Laboratories	Com	002824100	210,919	1,850	SH		SOLE	0	1,850	0	0
Abbvie Inc	Com	00287Y109	332,556	1,684	SH		SOLE	0	1,684	0	0
Adobe Inc	Com	00724F101	279,601	540	SH		SOLE	0	540	0	0
Alpha Architect US Quantitative Value ETF	Com	02072L102	732,551	15,878	SH		SOLE	0	15,878	0	0
Alpha Architect Intl Quantitative Value	Com	02072L201	435,527	16,889	SH		SOLE	0	16,889	0	0
Alpha Architect Intl Quantitative Momentum	Com	02072L300	2,084,836	72,365	SH		SOLE	0	72,365	0	0
Alpha Architect Intl Quantitative Momentum	Com	02072L300	53,299	1,850	SH		DFND	0	1,850	0	0
Alpha Architect US Quantitative Momentum ETF	Com	02072L409	681,890	10,623	SH		SOLE	0	10,623	0	0
Alpha Architect 1-3 Month Box ETF	Com	02072L565	501,732	4,606	SH		SOLE	0	4,606	0	0
Alphabet (Google) Class C	Com	02079K107	1,128,031	6,747	SH		SOLE	0	6,747	0	0
Alphabet (Google) Class A	Com	02079K305	432,869	2,610	SH		SOLE	0	2,610	0	0
Amazon.Com Inc	Com	023135106	831,404	4,462	SH		SOLE	0	4,462	0	0
Apple Inc	Com	037833100	4,335,664	18,608	SH		SOLE	0	18,608	0	0
Apple Inc	Com	037833100	560,831	2,407	SH		DFND	0	2,407	0	0
Berkshire Hathaway Inc Class B	Com	084670702	794,869	1,727	SH		SOLE	0	1,727	0	0
Berkshire Hathaway Inc Class B	Com	084670702	41,423	90	SH		DFND	0	90	0	0
Boeing Co	Com	097023105	155,385	1,022	SH		SOLE	0	1,022	0	0
Boeing Co	Com	097023105	273,672	1,800	SH		DFND	0	1,800	0	0
Carrier Global Corp	Com	14448C104	238,089	2,958	SH		SOLE	0	2,958	0	0
Carrier Global Corp	Com	14448C104	8,371	104	SH		DFND	0	104	0	0
Caterpillar Inc	Com	149123101	369,608	945	SH		SOLE	0	945	0	0
Chevron Corp	Com	166764100	383,638	2,605	SH		SOLE	0	2,605	0	0
Consolidated Edison Inc	Com	209115104	334,570	3,213	SH		SOLE	0	3,213	0	0
Costco Wholesale Corp	Com	22160K105	2,001,762	2,258	SH		SOLE	0	2,258	0	0
Costco Wholesale Corp	Com	22160K105	81,560	92	SH		DFND	0	92	0	0
Cummins Inc	Com	231021106	328,647	1,015	SH		SOLE	0	1,015	0	0
Danaher Corp	Com	235851102	350,583	1,261	SH		SOLE	0	1,261	0	0
Deere & Company	Com	244199105	1,496,963	3,587	SH		SOLE	0	3,587	0	0
Deere & Company	Com	244199105	41,733	100	SH		DFND	0	100	0	0
DFA Intl Core Equity ETF	Com	25434V203	5,299,474	166,755	SH		SOLE	0	166,755	0	0
DFA Emerging Mkts Core Equity ETF	Com	25434V302	2,847,844	103,898	SH		SOLE	0	103,898	0	0
DFA Emerging Mkts Core Equity ETF	Com	25434V302	14,884	543	SH		DFND	0	543	0	0
DFA U.S. Small Cap ETF	Com	25434V500	2,380,103	36,696	SH		SOLE	0	36,696	0	0
DFA U.S. Small Cap ETF	Com	25434V500	161,761	2,494	SH		DFND	0	2,494	0	0
DFA U.S. Targeted Value ETF	Com	25434V609	405,821	7,295	SH		SOLE	0	7,295	0	0
DFA U.S. Core Equity 2 ETF	Com	25434V708	61,942,656	1,806,435	SH		SOLE	0	1,806,435	0	0
DFA U.S. Core Equity 2 ETF	Com	25434V708	284,984	8,311	SH		DFND	0	8,311	0	0
DFA U.S. Marketwide Value ETF	Com	25434V724	19,916,981	477,740	SH		SOLE	0	477,740	0	0
DFA U.S. Marketwide Value ETF	Com	25434V724	19,970	479	SH		DFND	0	479	0	0
DFA International Value ETF	Com	25434V807	8,819,023	231,592	SH		SOLE	0	231,592	0	0
DFA International Value ETF	Com	25434V807	163,934	4,305	SH		DFND	0	4,305	0	0
DFA World Ex-U.S. Core Equity 2 ETF	Com	25434V880	43,285,119	1,602,559	SH		SOLE	0	1,602,559	0	0
DFA World Ex-U.S. Core Equity 2 ETF	Com	25434V880	1,748,789	64,746	SH		DFND	0	64,746	0	0
Duke Energy Corp	Com	26441C204	315,115	2,733	SH		SOLE	0	2,733	0	0
Duke Energy Corp	Com	26441C204	36,896	320	SH		DFND	0	320	0	0
Exxon Mobil Corporation	Com	30231G102	484,236	4,131	SH		SOLE	0	4,131	0	0
Meta Platforms Inc	Com	30303M102	674,334	1,178	SH		SOLE	0	1,178	0	0
Meta Platforms Inc	Com	30303M102	92,163	161	SH		DFND	0	161	0	0
Fidelity Total Bond ETF	Com	316188309	18,303,010	391,592	SH		SOLE	0	387,790	0	3,802
Home Depot Inc	Com	437076102	994,361	2,454	SH		SOLE	0	2,454	0	0
Honeywell International	Com	438516106	561,218	2,715	SH		SOLE	0	2,715	0	0
International Business Machines	Com	459200101	368,319	1,666	SH		SOLE	0	1,666	0	0
Intuit Inc	Com	461202103	260,820	420	SH		SOLE	0	420	0	0
iShares Russell 1000 Growth ETF	Com	464287614	1,063,827	2,834	SH		SOLE	0	2,834	0	0
iShares National Muni Bond ETF	Com	464288414	278,093	2,560	SH		SOLE	0	2,560	0	0
iShares MSCI USA Momentum Factor ETF	Com	46432F396	1,528,810	7,540	SH		SOLE	0	7,540	0	0
iShares Core MSCI Emerging Markets ETF	Com	46434G103	1,085,910	18,915	SH		SOLE	0	18,915	0	0
iShares ibonds Dec 2028 Term Corp ETF	Com	46435U515	613,639	24,036	SH		SOLE	0	24,036	0	0
JPMorgan Chase &CO	Com	46625H100	208,330	988	SH		SOLE	0	988	0	0
JPMorgan Chase &CO	Com	46625H100	54,824	260	SH		DFND	0	260	0	0
Johnson & Johnson	Com	478160104	1,378,644	8,507	SH		SOLE	0	8,507	0	0
Lowes Companies Inc	Com	548661107	196,366	725	SH		SOLE	0	725	0	0
Lowes Companies Inc	Com	548661107	54,170	200	SH		DFND	0	200	0	0
Mastercard Inc	Com	57636Q104	531,329	1,076	SH		SOLE	0	1,076	0	0
McDonald's Corporation	Com	580135101	951,594	3,125	SH		SOLE	0	3,125	0	0
Merck & Co Inc	Com	58933Y105	204,635	1,802	SH		SOLE	0	1,802	0	0
Merck & Co Inc	Com	58933Y105	34,068	300	SH		DFND	0	300	0	0
Microsoft Corp	Com	594918104	2,883,440	6,701	SH		SOLE	0	6,701	0	0
Microsoft Corp	Com	594918104	430,300	1,000	SH		DFND	0	1,000	0	0
Nike Inc Cl B	Com	654106103	454,288	5,139	SH		SOLE	0	5,139	0	0
NVIDIA Corp	Com	67066G104	282,591	2,327	SH		SOLE	0	2,327	0	0
Paccar Inc	Com	693718108	435,080	4,409	SH		SOLE	0	4,409	0	0
Pepsico Inc	Com	713448108	214,093	1,259	SH		SOLE	0	1,259	0	0
Pepsico Inc	Com	713448108	4,421	26	SH		DFND	0	26	0	0
Procter & Gamble CO	Com	742718109	841,059	4,856	SH		SOLE	0	4,856	0	0
RTX Corporation	Com	75513E101	469,132	3,872	SH		SOLE	0	3,872	0	0
SPDR S&P 500 ETF	Com	78462F103	1,318,500	2,298	SH		SOLE	0	2,298	0	0
Southern Company	Com	842587107	666,520	7,391	SH		SOLE	0	7,391	0	0
Southern Company	Com	842587107	58,617	650	SH		DFND	0	650	0	0
Stryker Corp	Com	863667101	307,432	851	SH		SOLE	0	851	0	0
Tesla Inc	Com	88160R101	748,262	2,860	SH		SOLE	0	2,860	0	0
Tesla Inc	Com	88160R101	7,849	30	SH		DFND	0	30	0	0
U.S. Bancorp	Com	902973304	162,662	3,557	SH		SOLE	0	3,557	0	0
U.S. Bancorp	Com	902973304	46,645	1,020	SH		DFND	0	1,020	0	0
Union Pacific Corp	Com	907818108	531,657	2,157	SH		SOLE	0	2,157	0	0
United Health Group	Com	91324P102	685,830	1,173	SH		SOLE	0	1,173	0	0
Vanguard Developed Markets Index ETF	Com	921943858	4,841,304	91,674	SH		SOLE	0	91,674	0	0
Vanguard FTSE Emerging Markets	Com	922042858	1,399,230	29,242	SH		SOLE	0	29,242	0	0
Vanguard Russell 2000 Index Fund	Com	92206C664	204,366	2,287	SH		SOLE	0	2,287	0	0
Vanguard Russell 1000 Growth Index Fund	Com	92206C680	1,174,359	12,167	SH		SOLE	0	12,167	0	0
Vanguard Interm Term Treasury ETF	Com	92206C706	6,639,433	109,888	SH		SOLE	0	109,888	0	0
Vanguard Russell 1000 Value Index Fund	Com	92206C714	884,631	10,616	SH		SOLE	0	10,616	0	0
Vanguard Muni Bond Tax Exempt	Com	922907746	62,124,551	1,215,269	SH		SOLE	0	1,211,754	0	3,515
Vanguard Muni Bond Tax Exempt	Com	922907746	888,721	17,385	SH		DFND	0	17,385	0	0
Vanguard S&P 500	Com	922908363	1,790,384	3,393	SH		SOLE	0	3,393	0	0
Vanguard Extended Market Index	Com	922908652	390,005	2,143	SH		SOLE	0	2,143	0	0
Vanguard Growth ETF	Com	922908736	2,991,583	7,792	SH		SOLE	0	7,792	0	0
Vanguard Value ETF	Com	922908744	4,977,340	28,512	SH		SOLE	0	28,512	0	0
Vanguard Small-Cap	Com	922908751	745,077	3,141	SH		SOLE	0	3,141	0	0
Visa Inc	Com	92826C839	367,883	1,338	SH		SOLE	0	1,338	0	0
Waste Management	Com	94106L109	410,840	1,979	SH		SOLE	0	1,979	0	0
Accenture PLC	Com	G1151C101	534,462	1,512	SH		SOLE	0	1,512	0	0