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
ABBOTT LABS COM	Common Stock	002824100	4,631	42,182	SH		SOLE		42,167	0	15
ABBOTT LABS COM	Common Stock	002824100	7	63	SH		OTR		63	0	0
ABBVIE INC COM	Common Stock	00287Y109	364	2,251	SH		SOLE		2,251	0	0
ACCENTURE PLC	Int'l Common Stock	G1151C101	6	23	SH		OTR		23	0	0
ACCENTURE PLC	Int'l Common Stock	G1151C101	3,566	13,364	SH		SOLE		13,360	0	4
ADOBE SYS INC COM	Common Stock	00724F101	351	1,044	SH		SOLE		1,044	0	0
AECOM COM	Common Stock	00766T100	344	4,052	SH		SOLE		4,052	0	0
AFLAC INC	Common Stock	001055102	4,519	62,813	SH		SOLE		62,796	0	17
AFLAC INC	Common Stock	001055102	6	90	SH		OTR		90	0	0
AGREE REALTY CORP COM	Common Stock	008492100	283	3,993	SH		SOLE		3,993	0	0
AIR PRODUCTS & CHEMICALS INC	Common Stock	009158106	3,886	12,607	SH		SOLE		12,603	0	4
AIR PRODUCTS & CHEMICALS INC	Common Stock	009158106	6	21	SH		OTR		21	0	0
ALPHABET INC CAP STK CL A	Common Stock	02079K305	469	5,317	SH		SOLE		5,317	0	0
AMERICAN ELEC PWR INC COM	Common Stock	025537101	256	2,701	SH		SOLE		2,701	0	0
AMERICAN INTL GROUP INC COM NEW	Common Stock	026874784	526	8,325	SH		SOLE		8,325	0	0
AMERICAN TOWER CORP NEW COM	Common Stock	03027X100	1,149	5,422	SH		SOLE		5,419	0	3
AMERICAN TOWER CORP NEW COM	Common Stock	03027X100	1	4	SH		OTR		4	0	0
AMGEN INC COM	Common Stock	031162100	5,254	20,004	SH		SOLE		19,997	0	7
AMGEN INC COM	Common Stock	031162100	7	26	SH		OTR		26	0	0
ANALOG DEVICES INC COM	Common Stock	032654105	4,717	28,755	SH		SOLE		28,748	0	7
ANALOG DEVICES INC COM	Common Stock	032654105	6	39	SH		OTR		39	0	0
APPLE INC	Common Stock	037833100	8,936	68,779	SH		SOLE		68,768	0	11
APPLE INC	Common Stock	037833100	4	27	SH		OTR		27	0	0
AT&T INC COM	Common Stock	00206R102	773	41,965	SH		SOLE		41,930	0	35
AT&T INC COM	Common Stock	00206R102	5	257	SH		OTR		257	0	0
AUTOMATIC DATA PROCESSING INCOM	Common Stock	053015103	4,910	20,558	SH		SOLE		20,554	0	4
AUTOMATIC DATA PROCESSING INCOM	Common Stock	053015103	7	31	SH		OTR		31	0	0
AXALTA COATING SYS LTD COM	Common Stock	G0750C108	316	12,406	SH		SOLE		12,406	0	0
BECTON DICKINSON AND COMPANY	Common Stock	075887109	3,727	14,657	SH		SOLE		14,651	0	6
BECTON DICKINSON AND COMPANY	Common Stock	075887109	7	28	SH		OTR		28	0	0
BERKLEY W R CORP	Common Stock	084423102	356	4,904	SH		SOLE		4,904	0	0
BERKSHIRE HATHAWAY INC DEL CL B NEW	Common Stock	084670702	754	2,442	SH		SOLE		2,442	0	0
BLACKROCK INC COM	Common Stock	09247X101	3,114	4,395	SH		SOLE		4,395	0	0
BLACKROCK INC COM	Common Stock	09247X101	6	8	SH		OTR		8	0	0
BOOZ ALLEN HAMILTON HLDG CORCL A	Common Stock	099502106	437	4,180	SH		SOLE		4,180	0	0
BROOKFIELD RENEWABLE CORP	Common Stock	11284V105	205	7,427	SH		SOLE		7,427	0	0
BROWN & BROWN INC	Common Stock	115236101	341	5,981	SH		SOLE		5,981	0	0
BURLINGTON STORES INC	Common Stock	122017106	213	1,052	SH		SOLE		1,052	0	0
CAPITAL ONE FINANCIAL CORP	Common Stock	14040H105	1,167	12,551	SH		SOLE		12,551	0	0
CBOE GLOBAL MARKETS INC COM	Common Stock	12503M108	328	2,616	SH		SOLE		2,616	0	0
CENTENE CORP DEL COM	Common Stock	15135B101	440	5,363	SH		SOLE		5,363	0	0
CHEVRONTEXACO CORP COM	Common Stock	166764100	2,703	15,059	SH		SOLE		15,055	0	4
CHEVRONTEXACO CORP COM	Common Stock	166764100	19	108	SH		OTR		108	0	0
CHEWY INC	Common Stock	16679L109	915	24,667	SH		SOLE		24,667	0	0
CHUBB LIMITED COM	Int'l Common Stock	H1467J104	6	25	SH		OTR		25	0	0
CHUBB LIMITED COM	Int'l Common Stock	H1467J104	3,485	15,798	SH		SOLE		15,794	0	4
CHURCH & DWIGHT INC	Common Stock	171340102	289	3,587	SH		SOLE		3,587	0	0
CIGNA CORP NEW COM	Common Stock	125523100	843	2,544	SH		SOLE		2,544	0	0
CISCO SYS INC COM	Common Stock	17275R102	5,394	113,215	SH		SOLE		113,187	0	28
CISCO SYS INC COM	Common Stock	17275R102	6	133	SH		OTR		133	0	0
CITIGROUP INC COM NEW	Common Stock	172967424	1,084	23,961	SH		SOLE		23,961	0	0
CLOROX COMPANY COM	Common Stock	189054109	1,860	13,256	SH		SOLE		13,249	0	7
CLOROX COMPANY COM	Common Stock	189054109	4	28	SH		OTR		28	0	0
COLGATE PALMOLIVE CO COM	Common Stock	194162103	2,308	29,295	SH		SOLE		29,285	0	10
COLGATE PALMOLIVE CO COM	Common Stock	194162103	4	46	SH		OTR		46	0	0
COMCAST CORP NEW CL A	Common Stock	20030N101	1,916	54,788	SH		SOLE		54,757	0	31
COMCAST CORP NEW CL A	Common Stock	20030N101	2	43	SH		OTR		43	0	0
COSTCO WHSL CORP NEW COM	Common Stock	22160K105	3,808	8,341	SH		SOLE		8,341	0	0
CVS HEALTH CORP.	Common Stock	126650100	273	2,933	SH		SOLE		2,933	0	0
DELTA AIR LINES INC DEL COM NEW	Common Stock	247361702	521	15,870	SH		SOLE		15,870	0	0
DIAMONDBACK ENERGY INC COM	Common Stock	25278X109	371	2,710	SH		SOLE		2,710	0	0
DISNEY WALT CO COM DISNEY	Common Stock	254687106	326	3,755	SH		SOLE		3,755	0	0
DOMINION RES INC VA NEW COM	Common Stock	25746U109	204	3,320	SH		SOLE		3,320	0	0
DYCOM INDS INC	Common Stock	267475101	297	3,171	SH		SOLE		3,171	0	0
EASTGROUP PROPERTIES INC.	Common Stock	277276101	320	2,162	SH		SOLE		2,162	0	0
EMERSON ELEC CO COM	Common Stock	291011104	2,643	27,518	SH		SOLE		27,511	0	7
EMERSON ELEC CO COM	Common Stock	291011104	5	52	SH		OTR		52	0	0
EVERSOURCE ENERGY COM	Common Stock	30040W108	2,781	33,174	SH		SOLE		33,160	0	14
EVERSOURCE ENERGY COM	Common Stock	30040W108	5	61	SH		OTR		61	0	0
EXXON MOBIL CORP	Common Stock	30231G102	3	23	SH		OTR		23	0	0
EXXON MOBIL CORP	Common Stock	30231G102	830	7,527	SH		SOLE		7,527	0	0
FACTSET RESEARCH SYSTEMS INC	Common Stock	303075105	3,534	8,808	SH		SOLE		8,805	0	3
FACTSET RESEARCH SYSTEMS INC	Common Stock	303075105	5	13	SH		OTR		13	0	0
FEDEX CORP COM	Common Stock	31428X106	230	1,329	SH		SOLE		1,329	0	0
FIRST FINL BANKSHARES INC	Common Stock	32020R109	209	6,087	SH		SOLE		6,087	0	0
FIRST TR EXCHANGE TRADED FD DJ INTERNT IDX	Exchange Traded Fund	33733E302	3,567	28,967	SH		SOLE		28,967	0	0
FIVE BELOW INC COM	Common Stock	33829M101	589	3,330	SH		SOLE		3,330	0	0
FNB CORP PA COM	Common Stock	302520101	165	12,612	SH		SOLE		12,612	0	0
GALLAGHER ARTHUR J & CO COM	Common Stock	363576109	551	2,923	SH		SOLE		2,923	0	0
GENERAL DYNAMICS	Common Stock	369550108	3,893	15,691	SH		SOLE		15,687	0	4
GENERAL DYNAMICS	Common Stock	369550108	6	23	SH		OTR		23	0	0
GILEAD SCIENCES INC	Common Stock	375558103	804	9,362	SH		SOLE		9,362	0	0
GRACO INC	Common Stock	384109104	245	3,637	SH		SOLE		3,637	0	0
HERSHEY FOODS CORP COM	Common Stock	427866108	1,346	5,811	SH		SOLE		5,811	0	0
HOME DEPOT INC COM	Common Stock	437076102	3,087	9,773	SH		SOLE		9,773	0	0
HONEYWELL INTL INC	Common Stock	438516106	294	1,373	SH		SOLE		1,373	0	0
HUBBELL INC COM	Common Stock	443510607	364	1,549	SH		SOLE		1,549	0	0
HUNT J B TRANS SVCS INC COM	Common Stock	445658107	605	3,472	SH		SOLE		3,472	0	0
ICON PLC SHS	Common Stock	G4705A100	427	2,196	SH		SOLE		2,196	0	0
ILLINOIS TOOL WORKS INC COM	Common Stock	452308109	4,472	20,298	SH		SOLE		20,291	0	7
ILLINOIS TOOL WORKS INC COM	Common Stock	452308109	7	30	SH		OTR		30	0	0
INFOSYS LTD SPONSORED ADR	Common Stock	456788108	274	15,193	SH		SOLE		15,193	0	0
INNOVATOR ETFS TR	Exchange Traded Fund	45782C573	302	9,993	SH		SOLE		9,993	0	0
INVESCO EXCHNG TRADED FD TR S&P SMLCP HELT	Exchange Traded Fund	46138E149	353	2,672	SH		SOLE		2,672	0	0
INVESCO EXCHNG TRADED FD TR S&P SMLCP INFO	Exchange Traded Fund	46138E115	537	4,481	SH		SOLE		4,481	0	0
ISHARES CORE S&P 500 ETF	Exchange Traded Fund	464287200	443	1,153	SH		SOLE		1,153	0	0
ISHARES CORE S&P MID-CAP ETF	Exchange Traded Fund	464287507	607	2,509	SH		SOLE		2,509	0	0
ISHARES CORE S&P SMALL-CAP ETF	Exchange Traded Fund	464287804	496	5,245	SH		SOLE		5,245	0	0
ISHARES TR U.S. PFD STK ETF	Fixed Income ETF	464288687	945	30,968	SH		SOLE		30,968	0	0
ISHARES TR	Common Stock	464287150	796	9,385	SH		SOLE		9,385	0	0
J P MORGAN EXCHANGE-TRADED FD	Exchange Traded Fund	46641Q332	560	10,268	SH		SOLE		10,268	0	0
JOHNSON AND JOHNSON	Common Stock	478160104	9	49	SH		OTR		49	0	0
JOHNSON AND JOHNSON	Common Stock	478160104	6,871	38,896	SH		SOLE		38,885	0	11
JPMORGAN CHASE & CO COM	Common Stock	46625H100	5	40	SH		OTR		40	0	0
JPMORGAN CHASE & CO COM	Common Stock	46625H100	5,599	41,752	SH		SOLE		41,742	0	10
KEYSIGHT TECHNOLOGIES INC	Common Stock	49338L103	464	2,710	SH		SOLE		2,710	0	0
L3HARRIS TECHNOLOGIES INC	Common Stock	502431109	3,740	17,965	SH		SOLE		17,958	0	7
L3HARRIS TECHNOLOGIES INC	Common Stock	502431109	6	31	SH		OTR		31	0	0
LAMB WESTON HLDGS INC COM	Common Stock	513272104	360	4,032	SH		SOLE		4,032	0	0
LIBERTY GLOBAL PLC SHS CL A	Common Stock	G5480U104	235	12,433	SH		SOLE		12,433	0	0
LILLY ELI & CO COM	Common Stock	532457108	220	602	SH		SOLE		602	0	0
LINDE PLC COM	Int'l Common Stock	G5494J103	5	15	SH		OTR		15	0	0
LINDE PLC COM	Int'l Common Stock	G5494J103	4,219	12,936	SH		SOLE		12,932	0	4
LOWES COS INC COM	Common Stock	548661107	7	34	SH		OTR		34	0	0
LOWES COS INC COM	Common Stock	548661107	6,560	32,925	SH		SOLE		32,918	0	7
M & T BANK CORP	Common Stock	55261F104	394	2,715	SH		SOLE		2,715	0	0
MARKEL CORP COM	Common Stock	570535104	202	153	SH		SOLE		153	0	0
MASTERCARD INC CL A	Common Stock	57636Q104	363	1,044	SH		SOLE		1,044	0	0
MCDONALDS CORP COM	Common Stock	580135101	6	21	SH		OTR		21	0	0
MCDONALDS CORP COM	Common Stock	580135101	5,041	19,130	SH		SOLE		19,126	0	4
MEDTRONIC PLC SHS	Int'l Common Stock	G5960L103	5	64	SH		OTR		64	0	0
MEDTRONIC PLC SHS	Int'l Common Stock	G5960L103	4,047	52,074	SH		SOLE		52,058	0	16
MERCK & CO INC NEW	Common Stock	58933Y105	688	6,201	SH		SOLE		6,201	0	0
METLIFE INC	Common Stock	59156R108	1,526	21,089	SH		SOLE		21,089	0	0
MGM RESORTS INTERNATIONAL COM	Common Stock	552953101	359	10,697	SH		SOLE		10,697	0	0
MICRON TECHNOLOGY INC	Common Stock	595112103	224	4,484	SH		SOLE		4,484	0	0
MICROSOFT CORP COM	Common Stock	594918104	29	123	SH		OTR		123	0	0
MICROSOFT CORP COM	Common Stock	594918104	10,928	45,568	SH		SOLE		45,557	0	11
MORGAN STANLEY DEAN WITTER DISCOVER & CO	Common Stock	617446448	2	25	SH		OTR		25	0	0
MORGAN STANLEY DEAN WITTER DISCOVER & CO	Common Stock	617446448	1,305	15,352	SH		SOLE		15,345	0	7
NEXTERA ENERGY INC COM	Common Stock	65339F101	9	110	SH		OTR		110	0	0
NEXTERA ENERGY INC COM	Common Stock	65339F101	7,519	89,940	SH		SOLE		89,919	0	21
NIKE INC CL B	Common Stock	654106103	4	35	SH		OTR		35	0	0
NIKE INC CL B	Common Stock	654106103	2,535	21,661	SH		SOLE		21,654	0	7
NORFOLK SOUTHERN CORP. COM	Common Stock	655844108	5	21	SH		OTR		21	0	0
NORFOLK SOUTHERN CORP. COM	Common Stock	655844108	4,324	17,548	SH		SOLE		17,544	0	4
NOVARTIS A G SPONSORED ADR	Int'l Common Stock	66987V109	1	16	SH		OTR		16	0	0
NOVARTIS A G SPONSORED ADR	Int'l Common Stock	66987V109	1,374	15,144	SH		SOLE		15,144	0	0
NUTRIEN LTD	Int'l Common Stock	67077M108	1,045	14,303	SH		SOLE		14,303	0	0
PACKAGING CORP OF AMERICA	Common Stock	695156109	513	4,014	SH		SOLE		4,014	0	0
PARAMOUNT GLOBAL	Common Stock	92556H206	292	17,327	SH		SOLE		17,327	0	0
PAYCHEX INC COM	Common Stock	704326107	5	42	SH		OTR		42	0	0
PAYCHEX INC COM	Common Stock	704326107	4,115	35,605	SH		SOLE		35,598	0	7
PENTAIR PLC SHS	Int'l Common Stock	G7S00T104	410	9,115	SH		SOLE		9,115	0	0
PEPSICO INC COM	Common Stock	713448108	28	156	SH		OTR		156	0	0
PEPSICO INC COM	Common Stock	713448108	3,745	20,727	SH		SOLE		20,720	0	7
PFIZER INC COM	Common Stock	717081103	2,578	50,320	SH		SOLE		50,320	0	0
PHILLIPS 66 COM	Common Stock	718546104	8	74	SH		OTR		74	0	0
PHILLIPS 66 COM	Common Stock	718546104	2,166	20,808	SH		SOLE		20,801	0	7
POST HLDGS INC COM	Common Stock	737446104	271	3,003	SH		SOLE		3,003	0	0
PROCTER & GAMBLE CO COM	Common Stock	742718109	13	87	SH		OTR		87	0	0
PROCTER & GAMBLE CO COM	Common Stock	742718109	3,321	21,913	SH		SOLE		21,903	0	10
QUEST DIAGNOSTICS INC	Common Stock	74834L100	1,759	11,246	SH		SOLE		11,246	0	0
RAYTHEON TECHNOLOGIES CORP	Common Stock	75513E101	3,646	36,129	SH		SOLE		36,122	0	7
RAYTHEON TECHNOLOGIES CORP	Common Stock	75513E101	9	92	SH		OTR		92	0	0
REGENCY CTRS CORP COM	Common Stock	758849103	268	4,288	SH		SOLE		4,288	0	0
RLI CORP	Common Stock	749607107	419	3,190	SH		SOLE		3,190	0	0
ROSS STORES INC COM	Common Stock	778296103	2,199	18,944	SH		SOLE		18,944	0	0
RPM INTERNATIONAL INC	Common Stock	749685103	297	3,047	SH		SOLE		3,047	0	0
SELECTIVE INS GROUP INC	Common Stock	816300107	542	6,118	SH		SOLE		6,118	0	0
SMITH A O COM	Common Stock	831865209	227	3,965	SH		SOLE		3,965	0	0
SPDR GOLD TR	Exchange Traded Fund	78463V107	244	1,440	SH		SOLE		1,440	0	0
SPDR S&P 500 ETF TRUST	Exchange Traded Fund	78462F103	265	692	SH		SOLE		692	0	0
SPDR SER TR	Exchange Traded Fund	78464A409	307	6,053	SH		SOLE		6,053	0	0
SPDR SER TR	Exchange Traded Fund	78464A508	338	8,687	SH		SOLE		8,687	0	0
STAG INDL INC	Common Stock	85254J102	337	10,420	SH		SOLE		10,420	0	0
STARBUCKS CORPORATION	Common Stock	855244109	457	4,610	SH		SOLE		4,610	0	0
SUN CMNTYS INC COM	Common Stock	866674104	275	1,920	SH		SOLE		1,920	0	0
SYNEOS HEALTH INC CL A	Common Stock	87166B102	207	5,657	SH		SOLE		5,657	0	0
TAIWAN SEMICONDUCTOR MFG CO	Int'l Common Stock	874039100	263	3,532	SH		SOLE		3,532	0	0
TARGET CORP COM	Common Stock	87612E106	3	21	SH		OTR		21	0	0
TARGET CORP COM	Common Stock	87612E106	2,610	17,510	SH		SOLE		17,505	0	5
THERMO FISHER SCIENTIFIC INC	Common Stock	883556102	209	379	SH		SOLE		379	0	0
TYLER TECHNOLOGIES INC COM	Common Stock	902252105	265	822	SH		SOLE		822	0	0
UNION PACIFIC CORP	Common Stock	907818108	243	1,174	SH		SOLE		1,174	0	0
UNITED PARCEL SERVICE OF AMERICA INC	Common Stock	911312106	421	2,423	SH		SOLE		2,423	0	0
UNITEDHEALTH GROUP INC COM	Common Stock	91324P102	2	4	SH		OTR		4	0	0
UNITEDHEALTH GROUP INC COM	Common Stock	91324P102	3,076	5,802	SH		SOLE		5,799	0	3
US BANCORP DEL COM NEW	Common Stock	902973304	3	71	SH		OTR		71	0	0
US BANCORP DEL COM NEW	Common Stock	902973304	1,378	31,598	SH		SOLE		31,587	0	11
VAIL RESORTS, INC	Common Stock	91879Q109	354	1,486	SH		SOLE		1,486	0	0
VANGUARD WORLD FDS HEALTH CAR ETF	Exchange Traded Fund	92204A504	217	873	SH		SOLE		873	0	0
VERIZON COMMUNICATIONS INC COM	Common Stock	92343V104	830	21,056	SH		SOLE		21,056	0	0
VF CORPORATION	Common Stock	918204108	2	58	SH		OTR		58	0	0
VF CORPORATION	Common Stock	918204108	1,006	36,421	SH		SOLE		36,402	0	19
VISHAY INTERTECHNOLOGY INC COM	Common Stock	928298108	264	12,262	SH		SOLE		12,262	0	0
VULCAN MATERIALS COMPANY	Common Stock	929160109	266	1,521	SH		SOLE		1,521	0	0
WAL MART INC COM	Common Stock	931142103	7	46	SH		OTR		46	0	0
WAL MART INC COM	Common Stock	931142103	3,836	27,054	SH		SOLE		27,044	0	10
WALGREENS BOOTS ALLIANCE INCCOM	Common Stock	931427108	254	6,803	SH		SOLE		6,803	0	0
WARNER BROS DISCOVERY INC	Common Stock	934423104	282	29,761	SH		SOLE		29,761	0	0
WARNER BROS DISCOVERY INC	Common Stock	934423104	1	58	SH		OTR		58	0	0
WASTE CONNECTIONS INC	Int'l Common Stock	94106B101	399	3,011	SH		SOLE		3,011	0	0
WEC ENERGY GROUP INC	Common Stock	92939U106	6	61	SH		OTR		61	0	0
WEC ENERGY GROUP INC	Common Stock	92939U106	3,072	32,768	SH		SOLE		32,755	0	13
WHIRLPOOL CORP	Common Stock	963320106	324	2,292	SH		SOLE		2,292	0	0