Somerset Trust 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
3M CO COM	Common Stock	88579Y101	3,534	20,148	SH		SOLE		20,148	0	0
3M CO COM	Common Stock	88579Y101	8	47	SH		OTR		47	0	0
ABBOTT LABS COM	Common Stock	002824100	4,828	40,868	SH		SOLE		40,868	0	0
ABBOTT LABS COM	Common Stock	002824100	9	76	SH		OTR		76	0	0
ACCENTURE PLC	Int'l Common Stock	G1151C101	4,177	13,057	SH		SOLE		13,057	0	0
ACCENTURE PLC	Int'l Common Stock	G1151C101	7	23	SH		OTR		23	0	0
ADOBE SYS INC COM	Common Stock	00724F101	310	538	SH		SOLE		538	0	0
AFLAC INC	Common Stock	001055102	3,270	62,737	SH		SOLE		62,737	0	0
AFLAC INC	Common Stock	001055102	6	123	SH		OTR		123	0	0
AGREE REALTY CORP COM	Common Stock	008492100	278	4,193	SH		SOLE		4,193	0	0
AIR PRODUCTS & CHEMICALS INC	Common Stock	009158106	3,175	12,397	SH		SOLE		12,397	0	0
AIR PRODUCTS & CHEMICALS INC	Common Stock	009158106	5	21	SH		OTR		21	0	0
ALPHABET INC CAP STK CL A	Common Stock	02079K305	385	144	SH		SOLE		144	0	0
AMERCO COM	Common Stock	023586100	292	452	SH		SOLE		452	0	0
AMERICAN ELEC PWR INC COM	Common Stock	025537101	227	2,801	SH		SOLE		2,801	0	0
AMERICAN INTL GROUP INC COM NEW	Common Stock	026874784	681	12,401	SH		SOLE		12,401	0	0
AMERICAN TOWER CORP NEW COM	Common Stock	03027X100	1,370	5,161	SH		SOLE		5,161	0	0
AMERICAN TOWER CORP NEW COM	Common Stock	03027X100	1	4	SH		OTR		4	0	0
AMGEN INC COM	Common Stock	031162100	4,163	19,577	SH		SOLE		19,577	0	0
AMGEN INC COM	Common Stock	031162100	6	26	SH		OTR		26	0	0
ANALOG DEVICES INC COM	Common Stock	032654105	4,831	28,848	SH		SOLE		28,848	0	0
ANALOG DEVICES INC COM	Common Stock	032654105	9	54	SH		OTR		54	0	0
APPLE INC	Common Stock	037833100	10,815	76,431	SH		SOLE		76,431	0	0
APPLE INC	Common Stock	037833100	4	27	SH		OTR		27	0	0
AT&T INC COM	Common Stock	00206R102	1,138	42,126	SH		SOLE		42,126	0	0
AT&T INC COM	Common Stock	00206R102	7	257	SH		OTR		257	0	0
AUTOMATIC DATA PROCESSING INCOM	Common Stock	053015103	4,122	20,620	SH		SOLE		20,620	0	0
AUTOMATIC DATA PROCESSING INCOM	Common Stock	053015103	8	41	SH		OTR		41	0	0
AXALTA COATING SYS LTD COM	Common Stock	G0750C108	381	13,038	SH		SOLE		13,038	0	0
BECTON DICKINSON AND COMPANY	Common Stock	075887109	3,546	14,424	SH		SOLE		14,424	0	0
BECTON DICKINSON AND COMPANY	Common Stock	075887109	7	28	SH		OTR		28	0	0
BERKSHIRE HATHAWAY INC DEL CL A	Common Stock	084670108	411	1	SH		SOLE		1	0	0
BERKSHIRE HATHAWAY INC DEL CL B NEW	Common Stock	084670702	252	923	SH		SOLE		923	0	0
BLACKROCK INC COM	Common Stock	09247X101	3,605	4,299	SH		SOLE		4,299	0	0
BLACKROCK INC COM	Common Stock	09247X101	7	8	SH		OTR		8	0	0
BOOZ ALLEN HAMILTON HLDG CORCL A	Common Stock	099502106	375	4,725	SH		SOLE		4,725	0	0
BROOKFIELD RENEWABLE CORP	Common Stock	11284V105	303	7,797	SH		SOLE		7,797	0	0
BROWN & BROWN INC	Common Stock	115236101	346	6,233	SH		SOLE		6,233	0	0
BRUNSWICK CORPORATION	Common Stock	117043109	264	2,774	SH		SOLE		2,774	0	0
BURLINGTON STORES INC	Common Stock	122017106	314	1,106	SH		SOLE		1,106	0	0
CAPITAL ONE FINANCIAL CORP	Common Stock	14040H105	2,170	13,397	SH		SOLE		13,397	0	0
CBOE GLOBAL MARKETS INC COM	Common Stock	12503M108	341	2,751	SH		SOLE		2,751	0	0
CENTENE CORP DEL COM	Common Stock	15135B101	334	5,363	SH		SOLE		5,363	0	0
CHEVRONTEXACO CORP COM	Common Stock	166764100	1,411	13,911	SH		SOLE		13,911	0	0
CHEVRONTEXACO CORP COM	Common Stock	166764100	11	108	SH		OTR		108	0	0
CHUBB LIMITED COM	Int'l Common Stock	H1467J104	2,743	15,814	SH		SOLE		15,814	0	0
CHUBB LIMITED COM	Int'l Common Stock	H1467J104	6	35	SH		OTR		35	0	0
CHURCH & DWIGHT INC	Common Stock	171340102	296	3,587	SH		SOLE		3,587	0	0
CIGNA CORP NEW COM	Common Stock	125523100	562	2,806	SH		SOLE		2,806	0	0
CISCO SYS INC COM	Common Stock	17275R102	6,081	111,727	SH		SOLE		111,727	0	0
CISCO SYS INC COM	Common Stock	17275R102	7	133	SH		OTR		133	0	0
CITIGROUP INC COM NEW	Common Stock	172967424	1,803	25,698	SH		SOLE		25,698	0	0
CLOROX COMPANY COM	Common Stock	189054109	2,082	12,574	SH		SOLE		12,574	0	0
CLOROX COMPANY COM	Common Stock	189054109	5	28	SH		OTR		28	0	0
COGENT COMMUNICATIONS HLDGS COM NEW	Common Stock	19239V302	262	3,696	SH		SOLE		3,696	0	0
COLGATE PALMOLIVE CO COM	Common Stock	194162103	1,932	25,559	SH		SOLE		25,559	0	0
COLGATE PALMOLIVE CO COM	Common Stock	194162103	3	46	SH		OTR		46	0	0
COMCAST CORP NEW CL A	Common Stock	20030N101	2,868	51,270	SH		SOLE		51,270	0	0
COMCAST CORP NEW CL A	Common Stock	20030N101	2	43	SH		OTR		43	0	0
COSTCO WHSL CORP NEW COM	Common Stock	22160K105	4,068	9,053	SH		SOLE		9,053	0	0
CULLEN FROST BANKKERS INC	Common Stock	229899109	453	3,822	SH		SOLE		3,822	0	0
CVS HEALTH CORP.	Common Stock	126650100	231	2,724	SH		SOLE		2,724	0	0
DELTA AIR LINES INC DEL COM NEW	Common Stock	247361702	952	22,349	SH		SOLE		22,349	0	0
DISCOVERY COMMUNICATIONS INC	Common Stock	25470F104	317	12,495	SH		SOLE		12,495	0	0
DISNEY WALT CO COM DISNEY	Common Stock	254687106	293	1,730	SH		SOLE		1,730	0	0
DONALDSON INC COM	Common Stock	257651109	374	6,518	SH		SOLE		6,518	0	0
DOUGLAS EMMETT INC	Common Stock	25960P109	296	9,367	SH		SOLE		9,367	0	0
EASTGROUP PROPERTIES INC.	Common Stock	277276101	360	2,162	SH		SOLE		2,162	0	0
EMERSON ELEC CO COM	Common Stock	291011104	2,535	26,913	SH		SOLE		26,913	0	0
EMERSON ELEC CO COM	Common Stock	291011104	5	52	SH		OTR		52	0	0
EVERBRIDGE INC COM	Common Stock	29978A104	402	2,659	SH		SOLE		2,659	0	0
EVERSOURCE ENERGY COM	Common Stock	30040W108	2,648	32,391	SH		SOLE		32,391	0	0
EVERSOURCE ENERGY COM	Common Stock	30040W108	5	61	SH		OTR		61	0	0
EXXON MOBIL CORP	Common Stock	30231G102	229	3,901	SH		SOLE		3,901	0	0
EXXON MOBIL CORP	Common Stock	30231G102	1	23	SH		OTR		23	0	0
FACTSET RESEARCH SYSTEMS INC	Common Stock	303075105	3,547	8,984	SH		SOLE		8,984	0	0
FACTSET RESEARCH SYSTEMS INC	Common Stock	303075105	6	16	SH		OTR		16	0	0
FIRST REP BK SAN FRANCISCO CCOM	Common Stock	33616C100	436	2,261	SH		SOLE		2,261	0	0
FIRST TR EXCHANGE TRADED FD DJ INTERNT IDX	Exchange Traded Fund	33733E302	7,263	30,789	SH		SOLE		30,789	0	0
FIVE BELOW INC COM	Common Stock	33829M101	268	1,515	SH		SOLE		1,515	0	0
GALLAGHER ARTHUR J & CO COM	Common Stock	363576109	435	2,923	SH		SOLE		2,923	0	0
GENERAL DYNAMICS	Common Stock	369550108	3,021	15,412	SH		SOLE		15,412	0	0
GENERAL DYNAMICS	Common Stock	369550108	6	31	SH		OTR		31	0	0
GILEAD SCIENCES INC	Common Stock	375558103	689	9,866	SH		SOLE		9,866	0	0
GRACO INC	Common Stock	384109104	254	3,637	SH		SOLE		3,637	0	0
GUIDEWIRE SOFTWARE INC COM	Common Stock	40171V100	336	2,829	SH		SOLE		2,829	0	0
HOME DEPOT INC COM	Common Stock	437076102	3,318	10,108	SH		SOLE		10,108	0	0
HUBBELL INC COM	Common Stock	443510607	310	1,714	SH		SOLE		1,714	0	0
HUNT J B TRANS SVCS INC COM	Common Stock	445658107	565	3,376	SH		SOLE		3,376	0	0
ICON PLC SHS	Common Stock	G4705A100	575	2,196	SH		SOLE		2,196	0	0
ILLINOIS TOOL WORKS INC COM	Common Stock	452308109	4,153	20,101	SH		SOLE		20,101	0	0
ILLINOIS TOOL WORKS INC COM	Common Stock	452308109	8	37	SH		OTR		37	0	0
INFOSYS LTD SPONSORED ADR	Common Stock	456788108	203	9,131	SH		SOLE		9,131	0	0
INVESCO EXCHNG TRADED FD TR S&P SMLCP HELT	Exchange Traded Fund	46138E149	538	2,947	SH		SOLE		2,947	0	0
INVESCO EXCHNG TRADED FD TR S&P SMLCP INFO	Exchange Traded Fund	46138E115	671	4,803	SH		SOLE		4,803	0	0
ISHARES CORE S&P MID-CAP ETF	Exchange Traded Fund	464287507	611	2,324	SH		SOLE		2,324	0	0
ISHARES CORE S&P SMALL-CAP ETF	Exchange Traded Fund	464287804	590	5,402	SH		SOLE		5,402	0	0
ISHARES TR U.S. PFD STK ETF	Fixed Income ETF	464288687	1,208	31,137	SH		SOLE		31,137	0	0
JOHNSON AND JOHNSON	Common Stock	478160104	6,048	37,449	SH		SOLE		37,449	0	0
JOHNSON AND JOHNSON	Common Stock	478160104	8	49	SH		OTR		49	0	0
JPMORGAN CHASE & CO COM	Common Stock	46625H100	6,595	40,292	SH		SOLE		40,292	0	0
JPMORGAN CHASE & CO COM	Common Stock	46625H100	7	40	SH		OTR		40	0	0
KEYSIGHT TECHNOLOGIES INC	Common Stock	49338L103	467	2,845	SH		SOLE		2,845	0	0
L3HARRIS TECHNOLOGIES INC	Common Stock	502431109	3,885	17,638	SH		SOLE		17,638	0	0
L3HARRIS TECHNOLOGIES INC	Common Stock	502431109	8	36	SH		OTR		36	0	0
LAMB WESTON HLDGS INC COM	Common Stock	513272104	260	4,229	SH		SOLE		4,229	0	0
LIBERTY GLOBAL PLC SHS CL A	Common Stock	G5480U104	383	12,851	SH		SOLE		12,851	0	0
LINDE PLC COM	Int'l Common Stock	G5494J103	3,681	12,547	SH		SOLE		12,547	0	0
LINDE PLC COM	Int'l Common Stock	G5494J103	6	22	SH		OTR		22	0	0
LOWES COS INC COM	Common Stock	548661107	7,072	34,861	SH		SOLE		34,861	0	0
LOWES COS INC COM	Common Stock	548661107	12	60	SH		OTR		60	0	0
M & T BANK CORP	Common Stock	55261F104	416	2,785	SH		SOLE		2,785	0	0
MANHATTAN ASSOCS INC COM	Common Stock	562750109	213	1,393	SH		SOLE		1,393	0	0
MARKEL CORP COM	Common Stock	570535104	206	172	SH		SOLE		172	0	0
MASTERCARD INC CL A	Common Stock	57636Q104	222	638	SH		SOLE		638	0	0
MCDONALDS CORP COM	Common Stock	580135101	4,576	18,980	SH		SOLE		18,980	0	0
MCDONALDS CORP COM	Common Stock	580135101	5	21	SH		OTR		21	0	0
MEDTRONIC PLC SHS	Int'l Common Stock	G5960L103	6,637	52,951	SH		SOLE		52,951	0	0
MEDTRONIC PLC SHS	Int'l Common Stock	G5960L103	8	64	SH		OTR		64	0	0
MERCK & CO INC NEW	Common Stock	58933Y105	360	4,797	SH		SOLE		4,797	0	0
METLIFE INC	Common Stock	59156R108	1,389	22,497	SH		SOLE		22,497	0	0
MGM RESORTS INTERNATIONAL COM	Common Stock	552953101	475	11,005	SH		SOLE		11,005	0	0
MICRON TECHNOLOGY INC	Common Stock	595112103	209	2,941	SH		SOLE		2,941	0	0
MICROSOFT CORP COM	Common Stock	594918104	14,349	50,897	SH		SOLE		50,897	0	0
MICROSOFT CORP COM	Common Stock	594918104	37	131	SH		OTR		131	0	0
MORGAN STANLEY DEAN WITTER DISCOVER & CO	Common Stock	617446448	1,353	13,907	SH		SOLE		13,907	0	0
MORGAN STANLEY DEAN WITTER DISCOVER & CO	Common Stock	617446448	2	25	SH		OTR		25	0	0
NEXTERA ENERGY INC COM	Common Stock	65339F101	7,032	89,556	SH		SOLE		89,556	0	0
NEXTERA ENERGY INC COM	Common Stock	65339F101	10	132	SH		OTR		132	0	0
NIKE INC CL B	Common Stock	654106103	2,926	20,148	SH		SOLE		20,148	0	0
NIKE INC CL B	Common Stock	654106103	5	35	SH		OTR		35	0	0
NORFOLK SOUTHERN CORP. COM	Common Stock	655844108	4,118	17,211	SH		SOLE		17,211	0	0
NORFOLK SOUTHERN CORP. COM	Common Stock	655844108	7	31	SH		OTR		31	0	0
NOVARTIS A G SPONSORED ADR	Int'l Common Stock	66987V109	1,738	21,247	SH		SOLE		21,247	0	0
NOVARTIS A G SPONSORED ADR	Int'l Common Stock	66987V109	3	38	SH		OTR		38	0	0
NUTRIEN LTD	Int'l Common Stock	67077M108	992	15,297	SH		SOLE		15,297	0	0
PACKAGING CORP OF AMERICA	Common Stock	695156109	538	3,912	SH		SOLE		3,912	0	0
PAYCHEX INC COM	Common Stock	704326107	3,917	34,837	SH		SOLE		34,837	0	0
PAYCHEX INC COM	Common Stock	704326107	7	63	SH		OTR		63	0	0
PENTAIR PLC SHS	Int'l Common Stock	G7S00T104	723	9,955	SH		SOLE		9,955	0	0
PEPSICO INC COM	Common Stock	713448108	2,978	19,800	SH		SOLE		19,800	0	0
PEPSICO INC COM	Common Stock	713448108	23	156	SH		OTR		156	0	0
PFIZER INC COM	Common Stock	717081103	2,228	51,797	SH		SOLE		51,797	0	0
PHILLIPS 66 COM	Common Stock	718546104	1,385	19,776	SH		SOLE		19,776	0	0
PHILLIPS 66 COM	Common Stock	718546104	5	74	SH		OTR		74	0	0
PINNACLE WEST CAP CORP COM	Common Stock	723484101	261	3,605	SH		SOLE		3,605	0	0
POST HLDGS INC COM	Common Stock	737446104	349	3,164	SH		SOLE		3,164	0	0
PROCTER & GAMBLE CO COM	Common Stock	742718109	2,950	21,098	SH		SOLE		21,098	0	0
PROCTER & GAMBLE CO COM	Common Stock	742718109	12	87	SH		OTR		87	0	0
QUEST DIAGNOSTICS INC	Common Stock	74834L100	1,726	11,876	SH		SOLE		11,876	0	0
RAYTHEON TECHNOLOGIES CORP	Common Stock	75513E101	2,958	34,407	SH		SOLE		34,407	0	0
RAYTHEON TECHNOLOGIES CORP	Common Stock	75513E101	8	92	SH		OTR		92	0	0
REGENCY CTRS CORP COM	Common Stock	758849103	297	4,413	SH		SOLE		4,413	0	0
RLI CORP	Common Stock	749607107	337	3,357	SH		SOLE		3,357	0	0
ROSS STORES INC COM	Common Stock	778296103	2,174	19,972	SH		SOLE		19,972	0	0
RPM INTERNATIONAL INC	Common Stock	749685103	244	3,140	SH		SOLE		3,140	0	0
SIRIUS XM HLDGS INC COM	Common Stock	82968B103	63	10,300	SH		SOLE		10,300	0	0
SMITH A O COM	Common Stock	831865209	242	3,965	SH		SOLE		3,965	0	0
SPDR S&P 500 ETF TRUST	Exchange Traded Fund	78462F103	297	692	SH		SOLE		692	0	0
SPDR SER TR	Exchange Traded Fund	78464A409	282	4,411	SH		SOLE		4,411	0	0
SPDR SER TR	Exchange Traded Fund	78464A508	275	7,047	SH		SOLE		7,047	0	0
STARBUCKS CORPORATION	Common Stock	855244109	393	3,560	SH		SOLE		3,560	0	0
SUN CMNTYS INC COM	Common Stock	866674104	373	2,014	SH		SOLE		2,014	0	0
SYNEOS HEALTH INC CL A	Common Stock	87166B102	517	5,913	SH		SOLE		5,913	0	0
TAIWAN SEMICONDUCTOR MFG CO	Int'l Common Stock	874039100	272	2,435	SH		SOLE		2,435	0	0
TARGET CORP COM	Common Stock	87612E106	4,006	17,511	SH		SOLE		17,511	0	0
TARGET CORP COM	Common Stock	87612E106	8	33	SH		OTR		33	0	0
TYLER TECHNOLOGIES INC COM	Common Stock	902252105	396	863	SH		SOLE		863	0	0
UNITED PARCEL SERVICE OF AMERICA INC	Common Stock	911312106	292	1,606	SH		SOLE		1,606	0	0
UNITEDHEALTH GROUP INC COM	Common Stock	91324P102	2,051	5,249	SH		SOLE		5,249	0	0
UNITEDHEALTH GROUP INC COM	Common Stock	91324P102	2	4	SH		OTR		4	0	0
US BANCORP DEL COM NEW	Common Stock	902973304	1,830	30,789	SH		SOLE		30,789	0	0
US BANCORP DEL COM NEW	Common Stock	902973304	4	71	SH		OTR		71	0	0
VAIL RESORTS, INC	Common Stock	91879Q109	521	1,561	SH		SOLE		1,561	0	0
VERIZON COMMUNICATIONS INC COM	Common Stock	92343V104	779	14,421	SH		SOLE		14,421	0	0
VF CORPORATION	Common Stock	918204108	2,238	33,415	SH		SOLE		33,415	0	0
VF CORPORATION	Common Stock	918204108	4	58	SH		OTR		58	0	0
VIACOMCBS INC	Common Stock	92556H206	681	17,230	SH		SOLE		17,230	0	0
WAL MART INC COM	Common Stock	931142103	3,671	26,341	SH		SOLE		26,341	0	0
WAL MART INC COM	Common Stock	931142103	6	46	SH		OTR		46	0	0
WALGREENS BOOTS ALLIANCE INCCOM	Common Stock	931427108	516	10,977	SH		SOLE		10,977	0	0
WASTE CONNECTIONS INC	Int'l Common Stock	94106B101	394	3,125	SH		SOLE		3,125	0	0
WEC ENERGY GROUP INC	Common Stock	92939U106	2,818	31,948	SH		SOLE		31,948	0	0
WEC ENERGY GROUP INC	Common Stock	92939U106	5	61	SH		OTR		61	0	0
WHIRLPOOL CORP	Common Stock	963320106	500	2,452	SH		SOLE		2,452	0	0