Grove Bank & 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
AT&T INC	COMMON STOCK	00206R102	1,251	50,835	SH		SOLE		50,835	0	0
AT&T INC	COMMON STOCK	00206R102	172	7,000	SH		OTR		7,000	0	0
ABBOTT LABORATORIES	COMMON STOCK	002824100	4,176	29,669	SH		SOLE		29,669	0	0
ABBOTT LABORATORIES	COMMON STOCK	002824100	739	5,250	SH		OTR		5,250	0	0
ABBVIE INC SR NT	COMMON STOCK	00287Y109	1,985	14,660	SH		SOLE		14,660	0	0
ABBVIE INC SR NT	COMMON STOCK	00287Y109	948	7,000	SH		OTR		7,000	0	0
ADOBE SYSTEMS INC	COMMON STOCK	00724F101	4,671	8,238	SH		SOLE		8,238	0	0
ADVANCED MICRO DEVICES INC	COMMON STOCK	007903107	622	4,320	SH		SOLE		4,320	0	0
AGILENT TECHNOLOGIES INC	COMMON STOCK	00846U101	1,089	6,823	SH		SOLE		6,823	0	0
AIRBNB INC	COMMON STOCK	009066101	849	5,100	SH		SOLE		5,100	0	0
AIR PRODUCTS & CHEMICALS INC	COMMON STOCK	009158106	337	1,108	SH		SOLE		1,108	0	0
ALIGN TECHNOLOGY INC	COMMON STOCK	016255101	1,242	1,890	SH		SOLE		1,890	0	0
ALLSTATE CORP	COMMON STOCK	020002101	254	2,158	SH		SOLE		2,158	0	0
ALLY FINL INC	COMMON STOCK	02005N100	311	6,525	SH		SOLE		6,525	0	0
ALPHABET INC	COMMON STOCK	02079K107	4,853	1,677	SH		SOLE		1,677	0	0
ALPHABET INC	COMMON STOCK	02079K305	7,043	2,431	SH		SOLE		2,431	0	0
ALTRIA GROUP INC	COMMON STOCK	02209S103	608	12,827	SH		SOLE		12,827	0	0
ALTRIA GROUP INC	COMMON STOCK	02209S103	237	5,000	SH		OTR		5,000	0	0
AMAZON COM INC	COMMON STOCK	023135106	8,139	2,441	SH		SOLE		2,441	0	0
AMERICAN ELECTRIC POWER INC	COMMON STOCK	025537101	552	6,200	SH		SOLE		6,200	0	0
AMERICAN ELECTRIC POWER INC	COMMON STOCK	025537101	89	1,000	SH		OTR		1,000	0	0
AMERICAN EXPRESS CO	COMMON STOCK	025816109	559	3,415	SH		SOLE		3,415	0	0
AMERICAN TOWER CORP	COMMON STOCK	03027X100	1,387	4,741	SH		SOLE		4,741	0	0
AMERIPRISE FINANCIAL INC	COMMON STOCK	03076C106	483	1,600	SH		SOLE		1,600	0	0
AMGEN INC	COMMON STOCK	031162100	765	3,401	SH		SOLE		3,401	0	0
ANALOG DEVICES INC	COMMON STOCK	032654105	381	2,165	SH		SOLE		2,165	0	0
APPLE INC	COMMON STOCK	037833100	23,429	131,944	SH		SOLE		131,944	0	0
APPLE HOSPITALITY REIT INC	COMMON STOCK	03784Y200	218	13,523	SH		SOLE		13,523	0	0
APPLIED MATERIALS INC	COMMON STOCK	038222105	804	5,108	SH		SOLE		5,108	0	0
ASTRAZENECA PLC	FOREIGN STOCK	046353108	262	4,493	SH		SOLE		4,493	0	0
ASTRAZENECA PLC	FOREIGN STOCK	046353108	434	7,450	SH		OTR		7,450	0	0
AUTODESK INC	COMMON STOCK	052769106	1,074	3,821	SH		SOLE		3,821	0	0
AUTOMATIC DATA PROCESSING INC	COMMON STOCK	053015103	1,417	5,747	SH		SOLE		5,747	0	0
BCE INC	FOREIGN STOCK	05534B760	1,096	21,064	SH		SOLE		21,064	0	0
BCE INC	FOREIGN STOCK	05534B760	229	4,400	SH		OTR		4,400	0	0
BP PLC	FOREIGN STOCK	055622104	349	13,098	SH		SOLE		13,098	0	0
BANCO SANTANDER SA	FOREIGN STOCK	05964H105	35	10,617	SH		SOLE		10,617	0	0
BANK OF AMERICA CORP	COMMON STOCK	060505104	3,952	88,824	SH		SOLE		88,824	0	0
BANK NEW YORK MELLON CORP	COMMON STOCK	064058100	2,207	38,000	SH		SOLE		38,000	0	0
BAXTER INTERNATIONAL INC	COMMON STOCK	071813109	256	2,985	SH		SOLE		2,985	0	0
BERKSHIRE HATHAWAY INC	COMMON STOCK	084670702	936	3,130	SH		SOLE		3,130	0	0
BLACKROCK INC	COMMON STOCK	09247X101	317	346	SH		SOLE		346	0	0
BLACKROCK KELSO CAPITAL CORP	MUTUAL FUND/COR	092533108	117	29,201	SH		SOLE		29,201	0	0
BRISTOL-MYERS SQUIBB CO	COMMON STOCK	110122108	391	6,266	SH		SOLE		6,266	0	0
BRISTOL-MYERS SQUIBB CO	COMMON STOCK	110122108	125	2,000	SH		OTR		2,000	0	0
BRITISH AMERICAN TOBACCO PLC	FOREIGN STOCK	110448107	778	20,787	SH		SOLE		20,787	0	0
BRITISH AMERICAN TOBACCO PLC	FOREIGN STOCK	110448107	103	2,750	SH		OTR		2,750	0	0
BROADCOM INC COM	COMMON STOCK	11135F101	2,730	4,102	SH		SOLE		4,102	0	0
CIGNA CORP	COMMON STOCK	125523100	357	1,555	SH		SOLE		1,555	0	0
CME GROUP INC	COMMON STOCK	12572Q105	333	1,459	SH		SOLE		1,459	0	0
CSX CORP	COMMON STOCK	126408103	1,599	42,530	SH		SOLE		42,530	0	0
CVS HEALTH CORPORATION	COMMON STOCK	126650100	448	4,344	SH		SOLE		4,344	0	0
CDN IMPERIAL BK	FOREIGN STOCK	136069101	1,001	8,592	SH		SOLE		8,592	0	0
CDN IMPERIAL BK	FOREIGN STOCK	136069101	268	2,300	SH		OTR		2,300	0	0
CANADIAN PACIFIC RAILWAY LTD	FOREIGN STOCK	13645T100	208	2,886	SH		SOLE		2,886	0	0
CARRIER GLOBAL CORPORATION	COMMON STOCK	14448C104	198	3,643	SH		SOLE		3,643	0	0
CARRIER GLOBAL CORPORATION	COMMON STOCK	14448C104	41	750	SH		OTR		750	0	0
CATERPILLAR INC	COMMON STOCK	149123101	352	1,701	SH		SOLE		1,701	0	0
CELANESE CORP	COMMON STOCK	150870103	1,191	7,084	SH		SOLE		7,084	0	0
CHARLES RIVER LABORATORIES	COMMON STOCK	159864107	256	680	SH		SOLE		680	0	0
CHEVRON CORP NEW	COMMON STOCK	166764100	1,826	15,561	SH		SOLE		15,561	0	0
CHEVRON CORP NEW	COMMON STOCK	166764100	939	8,000	SH		OTR		0	0	8,000
CISCO SYSTEMS INC	COMMON STOCK	17275R102	1,637	25,836	SH		SOLE		25,836	0	0
CITIZENS FINL GROUP INC	COMMON STOCK	174610105	372	7,870	SH		SOLE		7,870	0	0
COCA COLA CO	COMMON STOCK	191216100	1,449	24,464	SH		SOLE		24,464	0	0
COCA COLA CO	COMMON STOCK	191216100	181	3,050	SH		OTR		3,050	0	0
COMCAST CORP	COMMON STOCK	20030N101	1,908	37,904	SH		SOLE		37,904	0	0
CONOCOPHILLIPS	COMMON STOCK	20825C104	934	12,941	SH		SOLE		12,941	0	0
CONSTELLATION BRANDS INC	COMMON STOCK	21036P108	452	1,803	SH		SOLE		1,803	0	0
COSTCO WHOLESALE CORP NEW	COMMON STOCK	22160K105	2,332	4,107	SH		SOLE		4,107	0	0
CROWN CASTLE INTL CORP	COMMON STOCK	22822V101	867	4,152	SH		SOLE		4,152	0	0
CROWN CASTLE INTL CORP	COMMON STOCK	22822V101	355	1,700	SH		OTR		1,700	0	0
DANAHER CORP	COMMON STOCK	235851102	626	1,902	SH		SOLE		1,902	0	0
DARDEN RESTAURANTS INC	COMMON STOCK	237194105	283	1,880	SH		SOLE		1,880	0	0
DEERE & CO	COMMON STOCK	244199105	522	1,521	SH		SOLE		1,521	0	0
DIAGEO PLC	FOREIGN STOCK	25243Q205	177	806	SH		SOLE		806	0	0
DIAGEO PLC	FOREIGN STOCK	25243Q205	264	1,200	SH		OTR		1,200	0	0
DIGITAL REALTY TRUST INC	COMMON STOCK	253868103	249	1,407	SH		SOLE		1,407	0	0
DISNEY WALT CO	COMMON STOCK	254687106	2,712	17,508	SH		SOLE		17,508	0	0
DOMINION ENERGY INC	COMMON STOCK	25746U109	996	12,683	SH		SOLE		12,683	0	0
DOMINION ENERGY INC	COMMON STOCK	25746U109	79	1,000	SH		OTR		1,000	0	0
DUKE ENERGY CORP	COMMON STOCK	26441C204	1,559	14,863	SH		SOLE		14,863	0	0
DUKE ENERGY CORP	COMMON STOCK	26441C204	115	1,100	SH		OTR		1,100	0	0
EBAY INC	COMMON STOCK	278642103	327	4,919	SH		SOLE		4,919	0	0
ENBRIDGE INC	FOREIGN STOCK	29250N105	819	20,962	SH		SOLE		20,962	0	0
EQUINIX INC	COMMON STOCK	29444U700	215	254	SH		SOLE		254	0	0
EXELON CORP	COMMON STOCK	30161N101	536	9,275	SH		SOLE		9,275	0	0
EXXON MOBIL CORP	COMMON STOCK	30231G102	2,122	34,678	SH		SOLE		34,678	0	0
EXXON MOBIL CORP	COMMON STOCK	30231G102	2,692	44,000	SH		OTR		0	0	44,000
META PLATFORMS INC	COMMON STOCK	30303M102	5,441	16,179	SH		SOLE		16,179	0	0
FIRST TRUST LOW	MUTUAL FUND/GOV	33739Q200	7,429	148,605	SH		SOLE		148,605	0	0
FREEPORT-MCMORAN INC	COMMON STOCK	35671D857	202	4,841	SH		SOLE		4,841	0	0
GALLAGHER ARTHUR J & CO	COMMON STOCK	363576109	662	3,904	SH		SOLE		3,904	0	0
GARTNER INC	COMMON STOCK	366651107	1,277	3,819	SH		SOLE		3,819	0	0
GENERAL ELECTRIC CO	COMMON STOCK	369604301	302	3,197	SH		SOLE		3,197	0	0
GENERAL MILLS INC	COMMON STOCK	370334104	259	3,847	SH		SOLE		3,847	0	0
GENERAL MILLS INC	COMMON STOCK	370334104	236	3,500	SH		OTR		3,500	0	0
GILEAD SCIENCES INC	COMMON STOCK	375558103	894	12,315	SH		SOLE		12,315	0	0
GLAXOSMITHKLINE PLC	FOREIGN STOCK	37733W105	663	15,027	SH		SOLE		15,027	0	0
GLAXOSMITHKLINE PLC	FOREIGN STOCK	37733W105	212	4,800	SH		OTR		4,800	0	0
GOLDMAN SACHS GROUP INC	COMMON STOCK	38141G104	204	534	SH		SOLE		534	0	0
HDFC BANK	FOREIGN STOCK	40415F101	222	3,415	SH		SOLE		3,415	0	0
HARTFORD FINANCIAL SERVICES	COMMON STOCK	416515104	204	2,953	SH		SOLE		2,953	0	0
HOME DEPOT INC	COMMON STOCK	437076102	3,918	9,440	SH		SOLE		9,440	0	0
HONEYWELL INTERNATIONAL INC	COMMON STOCK	438516106	1,354	6,494	SH		SOLE		6,494	0	0
HONEYWELL INTERNATIONAL INC	COMMON STOCK	438516106	229	1,100	SH		OTR		1,100	0	0
HUNTINGTON BANCSHARES INC	COMMON STOCK	446150104	598	38,755	SH		SOLE		38,755	0	0
HUNTINGTON BANCSHARES INC	COMMON STOCK	446150104	31	2,000	SH		OTR		2,000	0	0
ILLINOIS TOOL WORKS INC	COMMON STOCK	452308109	2,704	10,956	SH		SOLE		10,956	0	0
ILLUMINA INC	COMMON STOCK	452327109	708	1,862	SH		SOLE		1,862	0	0
INGERSOLL RAND INC	COMMON STOCK	45687V106	418	6,751	SH		SOLE		6,751	0	0
INTEL CORP	COMMON STOCK	458140100	966	18,756	SH		SOLE		18,756	0	0
INTERCONTINENTALEXCHANGE GROUP	COMMON STOCK	45866F104	1,025	7,491	SH		SOLE		7,491	0	0
INTERNATIONAL BUSINESS MACHS	COMMON STOCK	459200101	903	6,753	SH		SOLE		6,753	0	0
INVESCO QQQ TR	MUTUAL FUND/STO	46090E103	210	527	SH		SOLE		527	0	0
INTUIT	COMMON STOCK	461202103	387	601	SH		SOLE		601	0	0
INTUITIVE SURGICAL INC	COMMON STOCK	46120E602	785	2,184	SH		SOLE		2,184	0	0
ISHARES GOLD TRUST	MUTUAL FUND/STO	464285204	362	10,388	SH		SOLE		10,388	0	0
ISHARES CORE S&P TOTAL US STOCK	MUTUAL FUND/STO	464287150	6,522	60,960	SH		SOLE		60,960	0	0
ISHARES CORE S&P 500 (MKT)	MUTUAL FUND/STO	464287200	13,856	29,048	SH		SOLE		29,048	0	0
ISHARES CORE TOTAL US BOND	MUTUAL FUND/COR	464287226	3,556	31,174	SH		SOLE		31,174	0	0
ISHARES MSCI EMERGING MARKETS	MUTUAL FUNDS GL	464287234	3,629	74,282	SH		SOLE		74,282	0	0
ISHARES MSCI EAFE (MKT)	MUTUAL FUNDS GL	464287465	5,313	67,528	SH		SOLE		67,528	0	0
ISHARES MSCI EAFE (MKT)	MUTUAL FUNDS GL	464287465	140	1,775	SH		OTR		1,775	0	0
ISHARES RUSSELL MID-CAP (MKT)	MUTUAL FUND/STO	464287499	2,171	26,155	SH		SOLE		26,155	0	0
ISHARES CORE S&P MID-CAP (MKT)	MUTUAL FUND/STO	464287507	39,466	139,418	SH		SOLE		139,418	0	0
ISHARES CORE S&P MID-CAP (MKT)	MUTUAL FUND/STO	464287507	69	242	SH		OTR		242	0	0
ISHARES RUSSELL 1000 VALUE (MKT)	MUTUAL FUND/STO	464287598	2,216	13,193	SH		SOLE		13,193	0	0
ISHARES RUSSELL 1000 GROWTH	MUTUAL FUND/STO	464287614	6,050	19,799	SH		SOLE		19,799	0	0
ISHARES RUSSELL 2000 (MKT)	MUTUAL FUND/STO	464287655	1,817	8,170	SH		SOLE		8,170	0	0
ISHARES US ENERGY (MKT)	MUTUAL FUND/STO	464287796	336	11,158	SH		SOLE		11,158	0	0
ISHARES CORE S&P SMALL-CAP (MKT)	MUTUAL FUND/STO	464287804	39,104	341,486	SH		SOLE		341,486	0	0
ISHARES CORE S&P SMALL-CAP (MKT)	MUTUAL FUND/STO	464287804	341	2,975	SH		OTR		2,975	0	0
ISHARES S&P SMALL-CAP 600 GROWTH	MUTUAL FUND/STO	464287887	584	4,211	SH		SOLE		4,211	0	0
ISHARES ST NATIONAL AMTFREE	MUTUAL FUNDS/MU	464288158	4,749	44,234	SH		SOLE		44,234	0	0
ISHARES CALIF MUNI BD	MUTUAL FUNDS/MU	464288356	349	5,605	SH		SOLE		5,605	0	0
ISHARES NATIONAL AMT-FREE MUNI	MUTUAL FUNDS/MU	464288414	8,213	70,629	SH		SOLE		70,629	0	0
ISHARES IBOXX $ HIGH YIELD	MUTUAL FUND/COR	464288513	217	2,490	SH		SOLE		2,490	0	0
ISHARES INTERMEDIATE-TERM	MUTUAL FUND/COR	464288638	415	6,995	SH		SOLE		6,995	0	0
ISHARES SHORT-TERM	MUTUAL FUND/COR	464288646	326	6,055	SH		SOLE		6,055	0	0
ISHARES MSCI USA ESG SELECT	MUTUAL FUND/STO	464288802	247	2,328	SH		SOLE		2,328	0	0
ISHARES MSCI USA MINIMUM	MUTUAL FUND/STO	46429B697	405	5,000	SH		SOLE		5,000	0	0
ISHARES CORE MSCI EAFE	MUTUAL FUNDS GL	46432F842	15,077	201,993	SH		SOLE		201,993	0	0
ISHARES CORE MSCI EMERGING	MUTUAL FUNDS GL	46434G103	11,434	191,010	SH		SOLE		191,010	0	0
ISHARES CORE MSCI EMERGING	MUTUAL FUNDS GL	46434G103	30	494	SH		OTR		494	0	0
HDG MSCI EAFE	MUTUAL FUND/STO	46434V803	1,678	47,500	SH		SOLE		47,500	0	0
JP MORGAN CHASE & CO	COMMON STOCK	46625H100	2,879	18,183	SH		SOLE		18,183	0	0
JP MORGAN CHASE & CO	COMMON STOCK	46625H100	1,029	6,500	SH		OTR		6,500	0	0
JOHNSON & JOHNSON	COMMON STOCK	478160104	2,443	14,279	SH		SOLE		14,279	0	0
JOHNSON & JOHNSON	COMMON STOCK	478160104	428	2,500	SH		OTR		2,500	0	0
KLA-TENCOR CORP	COMMON STOCK	482480100	500	1,163	SH		SOLE		1,163	0	0
KIMBERLY CLARK CORP	COMMON STOCK	494368103	387	2,705	SH		SOLE		2,705	0	0
KIMBERLY CLARK CORP	COMMON STOCK	494368103	286	2,000	SH		OTR		2,000	0	0
KROGER CO	COMMON STOCK	501044101	619	13,673	SH		SOLE		13,673	0	0
LAM RESEARCH CORP	COMMON STOCK	512807108	416	578	SH		SOLE		578	0	0
LAUDER ESTEE COS INC	COMMON STOCK	518439104	297	801	SH		SOLE		801	0	0
LENNAR CORP	COMMON STOCK	526057104	472	4,061	SH		SOLE		4,061	0	0
ELI LILLY & CO	COMMON STOCK	532457108	1,503	5,441	SH		SOLE		5,441	0	0
ELI LILLY & CO	COMMON STOCK	532457108	414	1,500	SH		OTR		1,500	0	0
LOCKHEED MARTIN CORP	COMMON STOCK	539830109	496	1,395	SH		SOLE		1,395	0	0
LOWES COMPANIES INC	COMMON STOCK	548661107	995	3,851	SH		SOLE		3,851	0	0
MSCI INC	COMMON STOCK	55354G100	595	971	SH		SOLE		971	0	0
MARATHON PETE CORP	COMMON STOCK	56585A102	265	4,135	SH		SOLE		4,135	0	0
MARRIOTT INTERNATIONAL INC NEW	COMMON STOCK	571903202	216	1,308	SH		SOLE		1,308	0	0
MARVELL TECHNOLOGY GROUP LTD	COMMON STOCK	573874104	424	4,850	SH		SOLE		4,850	0	0
MASTERCARD INC	COMMON STOCK	57636Q104	1,845	5,135	SH		SOLE		5,135	0	0
MCDONALDS CORP	COMMON STOCK	580135101	1,130	4,215	SH		SOLE		4,215	0	0
MCDONALDS CORP	COMMON STOCK	580135101	275	1,025	SH		OTR		1,025	0	0
MERCK & CO INC	COMMON STOCK	58933Y105	2,204	28,756	SH		SOLE		28,756	0	0
MERCK & CO INC	COMMON STOCK	58933Y105	230	3,000	SH		OTR		3,000	0	0
MICROSOFT CORP	COMMON STOCK	594918104	10,980	32,646	SH		SOLE		32,646	0	0
MICRON TECHNOLOGY INC	COMMON STOCK	595112103	1,726	18,525	SH		SOLE		18,525	0	0
MONDELEZ INTL INC	COMMON STOCK	609207105	779	11,750	SH		SOLE		11,750	0	0
MONSTER BEVERAGE CORP	COMMON STOCK	61174X109	679	7,072	SH		SOLE		7,072	0	0
MOODYS CORP	COMMON STOCK	615369105	212	544	SH		SOLE		544	0	0
MOTOROLA SOLUTIONS INC	COMMON STOCK	620076307	338	1,244	SH		SOLE		1,244	0	0
NATIONAL GRID PLC	FOREIGN STOCK	636274409	905	12,510	SH		SOLE		12,510	0	0
NATIONAL GRID PLC	FOREIGN STOCK	636274409	253	3,500	SH		OTR		3,500	0	0
NETFLIX INC	COMMON STOCK	64110L106	1,563	2,594	SH		SOLE		2,594	0	0
NEW YORK COMMUNITY BANCORP INC	COMMON STOCK	649445103	145	11,900	SH		SOLE		11,900	0	0
NEXTERA ENERGY INC	COMMON STOCK	65339F101	2,319	24,835	SH		SOLE		24,835	0	0
NEXTERA ENERGY INC	COMMON STOCK	65339F101	373	4,000	SH		OTR		4,000	0	0
NIKE INC	COMMON STOCK	654106103	2,566	15,393	SH		SOLE		15,393	0	0
NUCOR CORP	COMMON STOCK	670346105	637	5,576	SH		SOLE		5,576	0	0
NVIDIA CORP	COMMON STOCK	67066G104	2,322	7,895	SH		SOLE		7,895	0	0
ORACLE CORP	COMMON STOCK	68389X105	445	5,104	SH		SOLE		5,104	0	0
OTIS WORLDWIDE CORP GLBL	COMMON STOCK	68902V107	171	1,960	SH		SOLE		1,960	0	0
OTIS WORLDWIDE CORP GLBL	COMMON STOCK	68902V107	33	375	SH		OTR		375	0	0
PNC FINANCIAL SERVICES GROUP	COMMON STOCK	693475105	410	2,047	SH		SOLE		2,047	0	0
PPL CORP	COMMON STOCK	69351T106	553	18,396	SH		SOLE		18,396	0	0
PPL CORP	COMMON STOCK	69351T106	38	1,250	SH		OTR		1,250	0	0
PALO ALTO NETWORKS INC	COMMON STOCK	697435105	314	564	SH		SOLE		564	0	0
PAYPAL HLDGS INC	COMMON STOCK	70450Y103	1,209	6,409	SH		SOLE		6,409	0	0
PEPSICO INC	COMMON STOCK	713448108	2,357	13,569	SH		SOLE		13,569	0	0
PEPSICO INC	COMMON STOCK	713448108	174	1,000	SH		OTR		1,000	0	0
PFIZER INC	COMMON STOCK	717081103	3,352	56,766	SH		SOLE		56,766	0	0
PHILIP MORRIS INTERNATIONAL INC	COMMON STOCK	718172109	2,051	21,586	SH		SOLE		21,586	0	0
PHILIP MORRIS INTERNATIONAL INC	COMMON STOCK	718172109	181	1,900	SH		OTR		1,900	0	0
T ROWE PRICE GROUP INC	COMMON STOCK	74144T108	249	1,266	SH		SOLE		1,266	0	0
PROCTER & GAMBLE CO	COMMON STOCK	742718109	2,760	16,870	SH		SOLE		16,870	0	0
PROCTER & GAMBLE CO	COMMON STOCK	742718109	327	2,000	SH		OTR		2,000	0	0
PROLOGIS INC	COMMON STOCK	74340W103	239	1,421	SH		SOLE		1,421	0	0
PUBLIC SERVICE ENTERPRISE GROUP	COMMON STOCK	744573106	228	3,423	SH		SOLE		3,423	0	0
QUALCOMM INC	COMMON STOCK	747525103	484	2,645	SH		SOLE		2,645	0	0
RAYTHEON TECHNOLOGIES CORP	COMMON STOCK	75513E101	371	4,314	SH		SOLE		4,314	0	0
RAYTHEON TECHNOLOGIES CORP	COMMON STOCK	75513E101	65	750	SH		OTR		750	0	0
REALTY INCOME CORP	COMMON STOCK	756109104	202	2,820	SH		SOLE		2,820	0	0
REALTY INCOME CORP	COMMON STOCK	756109104	54	750	SH		OTR		750	0	0
REGIONS FINANCIAL CORP NEW	COMMON STOCK	7591EP100	481	22,083	SH		SOLE		22,083	0	0
RELIANCE STEEL & ALUMINUM CO	COMMON STOCK	759509102	258	1,590	SH		SOLE		1,590	0	0
S&P GLOBAL INC	COMMON STOCK	78409V104	311	658	SH		SOLE		658	0	0
SPDR S&P 500 (MKT)	MUTUAL FUND/STO	78462F103	10,458	22,018	SH		SOLE		22,018	0	0
SPDR GOLD SHARES (MKT)	MUTUAL FUND/STO	78463V107	253	1,482	SH		SOLE		1,482	0	0
SPDR S&P 600 SMALL CAP	MUTUAL FUND/STO	78464A813	799	8,034	SH		SOLE		8,034	0	0
SPDR S&P MIDCAP 400 (MKT)	MUTUAL FUND/STO	78467Y107	10,124	19,557	SH		SOLE		19,557	0	0
SVB FINL GROUP	COMMON STOCK	78486Q101	212	313	SH		SOLE		313	0	0
SALESFORCE.COM INC	COMMON STOCK	79466L302	2,835	11,154	SH		SOLE		11,154	0	0
SANOFI	FOREIGN STOCK	80105N105	94	1,873	SH		SOLE		1,873	0	0
SANOFI	FOREIGN STOCK	80105N105	251	5,000	SH		OTR		5,000	0	0
SAP AKTIENGESELLSCHAFT	FOREIGN STOCK	803054204	231	1,647	SH		SOLE		1,647	0	0
SCHWAB CHARLES CORP	COMMON STOCK	808513105	1,080	12,842	SH		SOLE		12,842	0	0
SCHWAB STRATEGIC TR	MUTUAL FUND/STO	808524201	325	2,853	SH		SOLE		2,853	0	0
SCHWAB US REIT ETF	MUTUAL FUND/STO	808524847	1,340	25,440	SH		SOLE		25,440	0	0
ENERGY SELECT SECTOR SPDR FUND	MUTUAL FUND/STO	81369Y506	1,611	29,035	SH		SOLE		29,035	0	0
FINANCIAL SELECT SECTOR SPDRR	MUTUAL FUND/STO	81369Y605	660	16,896	SH		SOLE		16,896	0	0
SERVICENOW INC COM	COMMON STOCK	81762P102	1,333	2,054	SH		SOLE		2,054	0	0
SOUTHERN CO	COMMON STOCK	842587107	1,106	16,132	SH		SOLE		16,132	0	0
SOUTHERN CO	COMMON STOCK	842587107	274	4,000	SH		OTR		4,000	0	0
SOUTHWEST AIRLINES CO	COMMON STOCK	844741108	421	9,838	SH		SOLE		9,838	0	0
STARBUCKS CORP	COMMON STOCK	855244109	1,294	11,064	SH		SOLE		11,064	0	0
STARWOOD PPTY TR INC COM	COMMON STOCK	85571B105	230	9,470	SH		SOLE		9,470	0	0
SYNCHRONY FINL	COMMON STOCK	87165B103	365	7,869	SH		SOLE		7,869	0	0
TJX COS INC NEW	COMMON STOCK	872540109	264	3,474	SH		SOLE		3,474	0	0
TAIWAN SEMICONDUCTOR	FOREIGN STOCK	874039100	1,631	13,555	SH		SOLE		13,555	0	0
TARGET CORP	COMMON STOCK	87612E106	207	896	SH		SOLE		896	0	0
TC ENERGY CORP COM	FOREIGN STOCK	87807B107	362	7,769	SH		SOLE		7,769	0	0
TESLA INC	COMMON STOCK	88160R101	1,102	1,043	SH		SOLE		1,043	0	0
TEXAS INSTRUMENTS INC	COMMON STOCK	882508104	1,114	5,910	SH		SOLE		5,910	0	0
THERMO FISHER SCIENTIFIC INC	COMMON STOCK	883556102	753	1,128	SH		SOLE		1,128	0	0
3M CO	COMMON STOCK	88579Y101	484	2,723	SH		SOLE		2,723	0	0
3M CO	COMMON STOCK	88579Y101	178	1,000	SH		OTR		1,000	0	0
THE TRAVELERS COMPANIES INC	COMMON STOCK	89417E109	208	1,329	SH		SOLE		1,329	0	0
TRUIST FINL CORP	COMMON STOCK	89832Q109	391	6,672	SH		SOLE		6,672	0	0
US BANCORP DEL	COMMON STOCK	902973304	211	3,763	SH		SOLE		3,763	0	0
UNILEVER PLC	FOREIGN STOCK	904767704	667	12,392	SH		SOLE		12,392	0	0
UNILEVER PLC	FOREIGN STOCK	904767704	54	1,000	SH		OTR		1,000	0	0
UNITED PARCEL SERVICE	COMMON STOCK	911312106	543	2,533	SH		SOLE		2,533	0	0
UNITED PARCEL SERVICE	COMMON STOCK	911312106	268	1,250	SH		OTR		1,250	0	0
UNITEDHEALTH GROUP INC	COMMON STOCK	91324P102	4,034	8,034	SH		SOLE		8,034	0	0
VALERO ENERGY CORP NEW	COMMON STOCK	91913Y100	528	7,031	SH		SOLE		7,031	0	0
VANGUARD TOTAL BOND MARKET ETF	MUTUAL FUND/GOV	921937835	4,418	52,130	SH		SOLE		52,130	0	0
VANGUARD FTSE DEVELOPED MARKETS	MUTUAL FUND/STO	921943858	2,706	52,998	SH		SOLE		52,998	0	0
VANGUARD EMERGING MARKETS STOCK	MUTUAL FUND/STO	922042858	1,137	22,989	SH		SOLE		22,989	0	0
VANGUARD ENERGY ETF (MKT)	MUTUAL FUND/STO	92204A306	2,208	28,449	SH		SOLE		28,449	0	0
VANGUARD INFORMATION TECHNOLOGY	MUTUAL FUND/STO	92204A702	438	955	SH		SOLE		955	0	0
VANGUARD SHORT-TERM CORP BD IDX	MUTUAL FUND/COR	92206C409	6,178	76,025	SH		SOLE		76,025	0	0
VANGUARD S&P 500 ETF	MUTUAL FUND/STO	922908363	27,734	63,528	SH		SOLE		63,528	0	0
VANGUARD S&P 500 ETF	MUTUAL FUND/STO	922908363	161	369	SH		OTR		369	0	0
VANGUARD MID-CAP VALUE ETF (MKT)	MUTUAL FUND/STO	922908512	1,631	10,849	SH		SOLE		10,849	0	0
VANGUARD MID-CAP GROWTH ETF	MUTUAL FUND/STO	922908538	204	800	SH		SOLE		800	0	0
VANGUARD REAL ESTATE ETF	MUTUAL FUND/STO	922908553	6,500	56,029	SH		SOLE		56,029	0	0
VANGUARD REAL ESTATE ETF	MUTUAL FUND/STO	922908553	597	5,150	SH		OTR		5,150	0	0
VANGUARD SMALL CAP VALUE ETF	MUTUAL FUND/STO	922908611	1,544	8,631	SH		SOLE		8,631	0	0
VANGUARD MID-CAP ETF (MKT)	MUTUAL FUND/STO	922908629	4,842	19,006	SH		SOLE		19,006	0	0
VANGUARD VALUE INDEX	MUTUAL FUND/STO	922908744	5,807	39,475	SH		SOLE		39,475	0	0
VANGUARD SMALL CAP ETF (MKT)	MUTUAL FUND/STO	922908751	4,393	19,437	SH		SOLE		19,437	0	0
VANGUARD TOTAL STOCK MARKET ETF	MUTUAL FUND/STO	922908769	921	3,815	SH		SOLE		3,815	0	0
VERIZON COMMUNICATIONS INC	COMMON STOCK	92343V104	1,623	31,245	SH		SOLE		31,245	0	0
VERIZON COMMUNICATIONS INC	COMMON STOCK	92343V104	338	6,500	SH		OTR		6,500	0	0
VISA INC	COMMON STOCK	92826C839	3,503	16,165	SH		SOLE		16,165	0	0
VODAFONE GROUP PLC	FOREIGN STOCK	92857W308	715	47,877	SH		SOLE		47,877	0	0
VODAFONE GROUP PLC	FOREIGN STOCK	92857W308	69	4,600	SH		OTR		4,600	0	0
VOYA FINL INC	COMMON STOCK	929089100	686	10,342	SH		SOLE		10,342	0	0
WALMART INC	COMMON STOCK	931142103	944	6,522	SH		SOLE		6,522	0	0
WELLS FARGO & CO	COMMON STOCK	949746101	498	10,384	SH		SOLE		10,384	0	0
WILLIAMS COMPANIES INC	COMMON STOCK	969457100	214	8,226	SH		SOLE		8,226	0	0
YUM! BRANDS INC	COMMON STOCK	988498101	773	5,570	SH		SOLE		5,570	0	0
ZOETIS INC	COMMON STOCK	98978V103	1,797	7,363	SH		SOLE		7,363	0	0
ATLASSIAN CORP	FOREIGN STOCK	G06242104	357	935	SH		SOLE		935	0	0
ACCENTURE PLC	FOREIGN STOCK	G1151C101	3,873	9,342	SH		SOLE		9,342	0	0
EATON CORP PLC	FOREIGN STOCK	G29183103	1,720	9,953	SH		SOLE		9,953	0	0
INVESCO LTD	FOREIGN STOCK	G491BT108	190	8,267	SH		SOLE		8,267	0	0
INVESCO LTD	FOREIGN STOCK	G491BT108	46	2,000	SH		OTR		2,000	0	0
MEDTRONIC PLC	FOREIGN STOCK	G5960L103	382	3,689	SH		SOLE		3,689	0	0
SEAGATE TECHNOLOGY HLDNGS PLC	FOREIGN STOCK	G7997R103	347	3,070	SH		SOLE		3,070	0	0
TRANE TECHNOLOGIES PLC	FOREIGN STOCK	G8994E103	1,651	8,174	SH		SOLE		8,174	0	0
ASML HOLDING NV	FOREIGN STOCK	N07059210	527	662	SH		SOLE		662	0	0
NXP SEMICONDUCTORS N V	FOREIGN STOCK	N6596X109	273	1,200	SH		SOLE		1,200	0	0