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	211,516	1,870	SH		SOLE	0	1,870	0	0
Abbvie Inc	Com	00287Y109	265,484	1,494	SH		SOLE	0	1,494	0	0
Adobe Inc	Com	00724F101	240,127	540	SH		SOLE	0	540	0	0
Alpha Architect US Quantitative Value ETF	Com	02072L102	722,231	16,179	SH		SOLE	0	16,179	0	0
Alpha Architect Intl Quantitative Value	Com	02072L201	413,024	17,195	SH		SOLE	0	17,195	0	0
Alpha Architect Intl Quantitative Momentum	Com	02072L300	1,917,653	72,228	SH		SOLE	0	72,228	0	0
Alpha Architect Intl Quantitative Momentum	Com	02072L300	49,118	1,850	SH		DFND	0	1,850	0	0
Alpha Architect US Quantitative Momentum ETF	Com	02072L409	696,965	10,868	SH		SOLE	0	10,868	0	0
Alpha Architect 1-3 Month Box ETF	Com	02072L565	507,950	4,606	SH		SOLE	0	4,606	0	0
Alphabet (Google) Class C	Com	02079K107	1,232,718	6,473	SH		SOLE	0	6,473	0	0
Alphabet (Google) Class A	Com	02079K305	488,394	2,580	SH		SOLE	0	2,580	0	0
Amazon.Com Inc	Com	023135106	974,969	4,444	SH		SOLE	0	4,444	0	0
Apple Inc	Com	037833100	4,636,526	18,515	SH		SOLE	0	18,515	0	0
Apple Inc	Com	037833100	329,302	1,315	SH		DFND	0	1,315	0	0
Berkshire Hathaway Inc Class B	Com	084670702	718,449	1,585	SH		SOLE	0	1,585	0	0
Berkshire Hathaway Inc Class B	Com	084670702	40,795	90	SH		DFND	0	90	0	0
Boeing Co	Com	097023105	154,344	872	SH		SOLE	0	872	0	0
Boeing Co	Com	097023105	318,600	1,800	SH		DFND	0	1,800	0	0
Carrier Global Corp	Com	14448C104	201,913	2,958	SH		SOLE	0	2,958	0	0
Carrier Global Corp	Com	14448C104	7,099	104	SH		DFND	0	104	0	0
Caterpillar Inc	Com	149123101	342,808	945	SH		SOLE	0	945	0	0
Chevron Corp	Com	166764100	349,789	2,415	SH		SOLE	0	2,415	0	0
Compass Inc A	Com	20464U100	138,850	23,735	SH		SOLE	0	23,735	0	0
Consolidated Edison Inc	Com	209115104	286,696	3,213	SH		SOLE	0	3,213	0	0
Costco Wholesale Corp	Com	22160K105	2,047,863	2,235	SH		SOLE	0	2,235	0	0
Cummins Inc	Com	231021106	338,491	971	SH		SOLE	0	971	0	0
Danaher Corp	Com	235851102	294,054	1,281	SH		SOLE	0	1,281	0	0
Deere & Company	Com	244199105	1,213,901	2,865	SH		SOLE	0	2,865	0	0
Deere & Company	Com	244199105	42,370	100	SH		DFND	0	100	0	0
DFA Intl Core Equity ETF	Com	25434V203	4,869,246	166,755	SH		SOLE	0	166,755	0	0
DFA Emerging Mkts Core Equity ETF	Com	25434V302	2,542,658	100,223	SH		SOLE	0	100,223	0	0
DFA Emerging Mkts Core Equity ETF	Com	25434V302	13,776	543	SH		DFND	0	543	0	0
DFA U.S. Small Cap ETF	Com	25434V500	2,164,821	33,264	SH		SOLE	0	33,264	0	0
DFA U.S. Small Cap ETF	Com	25434V500	162,310	2,494	SH		DFND	0	2,494	0	0
DFA U.S. Targeted Value ETF	Com	25434V609	406,040	7,295	SH		SOLE	0	7,295	0	0
DFA U.S. Core Equity 2 ETF	Com	25434V708	61,726,685	1,784,524	SH		SOLE	0	1,784,524	0	0
DFA U.S. Core Equity 2 ETF	Com	25434V708	301,867	8,727	SH		DFND	0	8,727	0	0
DFA U.S. Marketwide Value ETF	Com	25434V724	18,903,812	461,970	SH		SOLE	0	461,970	0	0
DFA U.S. Marketwide Value ETF	Com	25434V724	19,601	479	SH		DFND	0	479	0	0
DFA International Value ETF	Com	25434V807	7,766,998	218,912	SH		SOLE	0	218,912	0	0
DFA International Value ETF	Com	25434V807	152,741	4,305	SH		DFND	0	4,305	0	0
DFA World Ex-U.S. Core Equity 2 ETF	Com	25434V880	39,859,728	1,603,368	SH		SOLE	0	1,603,368	0	0
DFA World Ex-U.S. Core Equity 2 ETF	Com	25434V880	1,730,505	69,610	SH		DFND	0	69,610	0	0
Duke Energy Corp	Com	26441C204	308,029	2,859	SH		SOLE	0	2,859	0	0
Duke Energy Corp	Com	26441C204	34,477	320	SH		DFND	0	320	0	0
Exxon Mobil Corporation	Com	30231G102	484,388	4,503	SH		SOLE	0	4,503	0	0
Meta Platforms Inc	Com	30303M102	694,415	1,186	SH		SOLE	0	1,186	0	0
Fidelity Total Bond ETF	Com	316188309	17,450,751	388,918	SH		SOLE	0	385,225	0	3,693
Home Depot Inc	Com	437076102	759,308	1,952	SH		SOLE	0	1,952	0	0
Honeywell International	Com	438516106	583,926	2,585	SH		SOLE	0	2,585	0	0
International Business Machines	Com	459200101	410,203	1,866	SH		SOLE	0	1,866	0	0
Intuit Inc	Com	461202103	270,255	430	SH		SOLE	0	430	0	0
iShares Russell 1000 Growth ETF	Com	464287614	1,128,440	2,810	SH		SOLE	0	2,810	0	0
iShares National Muni Bond ETF	Com	464288414	272,768	2,560	SH		SOLE	0	2,560	0	0
iShares MSCI USA Momentum Factor ETF	Com	46432F396	1,497,066	7,235	SH		SOLE	0	7,235	0	0
iShares Core MSCI Emerging Markets ETF	Com	46434G103	983,564	18,835	SH		SOLE	0	18,835	0	0
iShares ibonds Dec 2028 Term Corp ETF	Com	46435U515	648,595	26,048	SH		SOLE	0	26,048	0	0
JPMorgan Chase &CO	Com	46625H100	196,083	818	SH		SOLE	0	818	0	0
JPMorgan Chase &CO	Com	46625H100	62,325	260	SH		DFND	0	260	0	0
Johnson & Johnson	Com	478160104	1,177,207	8,140	SH		SOLE	0	8,140	0	0
Lowes Companies Inc	Com	548661107	184,113	746	SH		SOLE	0	746	0	0
Lowes Companies Inc	Com	548661107	49,360	200	SH		DFND	0	200	0	0
Mastercard Inc	Com	57636Q104	571,328	1,085	SH		SOLE	0	1,085	0	0
McDonald's Corporation	Com	580135101	891,122	3,074	SH		SOLE	0	3,074	0	0
Merck & Co Inc	Com	58933Y105	189,211	1,902	SH		SOLE	0	1,902	0	0
Merck & Co Inc	Com	58933Y105	29,844	300	SH		DFND	0	300	0	0
Microsoft Corp	Com	594918104	3,080,744	7,309	SH		SOLE	0	7,309	0	0
Microsoft Corp	Com	594918104	421,500	1,000	SH		DFND	0	1,000	0	0
Nike Inc Cl B	Com	654106103	388,868	5,139	SH		SOLE	0	5,139	0	0
NVIDIA Corp	Com	67066G104	322,699	2,403	SH		SOLE	0	2,403	0	0
Paccar Inc	Com	693718108	458,624	4,409	SH		SOLE	0	4,409	0	0
Procter & Gamble CO	Com	742718109	798,349	4,762	SH		SOLE	0	4,762	0	0
RTX Corporation	Com	75513E101	448,068	3,872	SH		SOLE	0	3,872	0	0
SPDR S&P 500 ETF	Com	78462F103	1,422,416	2,427	SH		SOLE	0	2,427	0	0
Southern Company	Com	842587107	579,615	7,041	SH		SOLE	0	7,041	0	0
Southern Company	Com	842587107	53,508	650	SH		DFND	0	650	0	0
Stryker Corp	Com	863667101	306,403	851	SH		SOLE	0	851	0	0
Tesla Inc	Com	88160R101	1,168,713	2,894	SH		SOLE	0	2,894	0	0
Tesla Inc	Com	88160R101	12,115	30	SH		DFND	0	30	0	0
Union Pacific Corp	Com	907818108	452,887	1,986	SH		SOLE	0	1,986	0	0
United Health Group	Com	91324P102	598,432	1,183	SH		SOLE	0	1,183	0	0
Vanguard Developed Markets Index ETF	Com	921943858	4,530,706	94,745	SH		SOLE	0	94,745	0	0
Vanguard Malver Funds Core Bond ETF	Com	922020748	246,913	3,257	SH		SOLE	0	3,257	0	0
Vanguard FTSE Emerging Markets	Com	922042858	1,381,887	31,378	SH		SOLE	0	31,378	0	0
Vanguard Russell 2000 Index Fund	Com	92206C664	262,541	2,939	SH		SOLE	0	2,939	0	0
Vanguard Russell 1000 Growth Index Fund	Com	92206C680	1,162,022	11,249	SH		SOLE	0	11,249	0	0
Vanguard Interm Term Treasury ETF	Com	92206C706	5,898,426	101,697	SH		SOLE	0	101,697	0	0
Vanguard Russell 1000 Value Index Fund	Com	92206C714	1,005,794	12,379	SH		SOLE	0	12,379	0	0
Vanguard Muni Bond Tax Exempt	Com	922907746	62,394,505	1,244,654	SH		SOLE	0	1,241,237	0	3,417
Vanguard Muni Bond Tax Exempt	Com	922907746	871,510	17,385	SH		DFND	0	17,385	0	0
Vanguard S&P 500	Com	922908363	1,836,264	3,408	SH		SOLE	0	3,408	0	0
Vanguard Extended Market Index	Com	922908652	407,127	2,143	SH		SOLE	0	2,143	0	0
Vanguard Growth ETF	Com	922908736	3,211,693	7,825	SH		SOLE	0	7,825	0	0
Vanguard Value ETF	Com	922908744	4,774,260	28,200	SH		SOLE	0	28,200	0	0
Vanguard Small-Cap	Com	922908751	752,797	3,133	SH		SOLE	0	3,133	0	0
Verizon Communications	Com	92343V104	225,024	5,627	SH		SOLE	0	5,627	0	0
Visa Inc	Com	92826C839	395,050	1,250	SH		SOLE	0	1,250	0	0
Waste Management	Com	94106L109	399,342	1,979	SH		SOLE	0	1,979	0	0
Accenture PLC	Com	G1151C101	514,317	1,462	SH		SOLE	0	1,462	0	0