Norway Savings 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
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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
AAON Inc	COM PAR $0.004	000360206	34	525	SH		OTR		525	0	0
ABB Ltd Sponsored ADR	SPONSORED ADR	000375204	1	29	SH		SOLE		29	0	0
Aflac Inc	COM	001055102	198	3,800	SH		SOLE		3,800	0	0
AT&T Inc	COM	00206R102	4	139	SH		SOLE		0	0	139
AT&T Inc	COM	00206R102	1,037	38,398	SH		SOLE		38,398	0	0
ARK Genomic Revolution ETF	GENOMIC REV ETF	00214Q302	7	100	SH		OTR		100	0	0
Abbott Labs	COM	002824100	12	100	SH		SOLE		0	0	100
Abbott Labs	COM	002824100	3,183	26,943	SH		SOLE		26,943	0	0
Abbvie Inc.	COM	00287Y109	653	6,055	SH		SOLE		6,055	0	0
Adobe Systems Inc DE	COM	00724F101	144	250	SH		SOLE		250	0	0
Advance Auto Parts Inc.	COM	00751Y106	5	25	SH		SOLE		25	0	0
Advanced Micro Devices Inc	COM	007903107	51	500	SH		OTR		500	0	0
Agios Pharmaceuticals Inc	COM	00847X104	12	265	SH		OTR		265	0	0
Air Prods & Chems Inc	COM	009158106	28	108	SH		SOLE		108	0	0
Alibaba.com Ltd.	SPONSORED ADS	01609W102	4	25	SH		OTR		25	0	0
Allstate Corp.	COM	020002101	32	255	SH		SOLE		255	0	0
Alphabet Inc-CL C	CAP STK CL C	02079K107	187	70	SH		SOLE		70	0	0
Alphabet Inc-CL A	CAP STK CL A	02079K305	11	4	SH		SOLE		0	0	4
Alphabet Inc-CL A	CAP STK CL A	02079K305	2,660	995	SH		SOLE		995	0	0
Escrow Altegrity Inc	COM	021ESC017	1	50	SH		OTR		50	0	0
Altria Group Inc.	COM	02209S103	113	2,489	SH		SOLE		2,489	0	0
Amazon.com Inc	COM	023135106	36	11	SH		SOLE		0	0	11
Amazon.com Inc	COM	023135106	2,483	756	SH		SOLE		756	0	0
Ameren Corp.	COM	023608102	178	2,200	SH		SOLE		2,200	0	0
American Express Co	COM	025816109	184	1,098	SH		SOLE		1,098	0	0
American International Group Inc.	COM NEW	026874784	14	262	SH		SOLE		262	0	0
American Tower Corp	COM	03027X100	7	25	SH		SOLE		0	0	25
American Tower Corp	COM	03027X100	1,296	4,884	SH		SOLE		4,884	0	0
Ameriprise Financial Inc.	COM	03076C106	36	137	SH		SOLE		137	0	0
Ametek Inc	COM	031100100	62	500	SH		OTR		500	0	0
Amgen Inc	COM	031162100	27	125	SH		SOLE		125	0	0
Amphenol Corp	CL A	032095101	21	290	SH		SOLE		0	0	290
Amphenol Corp	CL A	032095101	1,657	22,630	SH		SOLE		22,630	0	0
Analog Devices Inc.	COM	032654105	18	110	SH		SOLE		0	0	110
Analog Devices Inc.	COM	032654105	1,280	7,640	SH		SOLE		7,640	0	0
Anthem Inc	COM	036752103	12	31	SH		OTR		31	0	0
APA Corp	COM	03743Q108	152	7,075	SH		SOLE		7,075	0	0
Apple Inc.	COM	037833100	156	1,100	SH		OTR		1,100	0	0
Apple Inc.	COM	037833100	126	890	SH		SOLE		0	0	890
Apple Inc.	COM	037833100	7,739	54,694	SH		SOLE		54,694	0	0
Applied Materials	COM	038222105	69	533	SH		SOLE		533	0	0
Astrazeneca PLC	SPONSORED ADR	046353108	6	100	SH		SOLE		100	0	0
Automatic Data Processing Inc.	COM	053015103	72	361	SH		SOLE		361	0	0
AUTOZONE INC	COM	053332102	3	2	SH		SOLE		2	0	0
BCE Inc	COM NEW	05534B760	2	35	SH		SOLE		35	0	0
BP P.L.C. Sponsored ADR	SPONSORED ADR	055622104	53	1,940	SH		SOLE		1,940	0	0
Baidu Inc	SPON ADR REP A	056752108	22	145	SH		OTR		145	0	0
Ball Corporation	COM	058498106	1	10	SH		SOLE		10	0	0
Bank of America	COM	060505104	85	2,000	SH		OTR		2,000	0	0
Bank of America	COM	060505104	241	5,684	SH		SOLE		5,684	0	0
Bank New York Mellon Corp	COM	064058100	193	3,722	SH		SOLE		3,722	0	0
Bar Harbor Bankshares	COM	066849100	86	3,083	SH		OTR		3,083	0	0
Baxter Intl Corp	COM	071813109	567	7,055	SH		SOLE		7,055	0	0
Becton Dickinson & Co	COM	075887109	313	1,273	SH		SOLE		1,273	0	0
Berkshire Hathaway Inc Cl B	CL B NEW	084670702	27	100	SH		OTR		100	0	0
Berkshire Hathaway Inc Cl B	CL B NEW	084670702	8	30	SH		SOLE		0	0	30
Berkshire Hathaway Inc Cl B	CL B NEW	084670702	1,115	4,085	SH		SOLE		4,085	0	0
Best Buy Co Inc.	COM	086516101	2	23	SH		SOLE		23	0	0
BHP Billiton	SPONSORED ADS	088606108	361	6,745	SH		SOLE		6,745	0	0
Biogen IDEC Inc	COM	09062X103	6	20	SH		SOLE		20	0	0
Blackline Inc	COM	09239B109	4	30	SH		OTR		30	0	0
Blackrock Inc.	COM	09247X101	2	2	SH		SOLE		0	0	2
Blackrock Inc.	COM	09247X101	44	52	SH		SOLE		52	0	0
Blackstone Inc	COM	09260D107	446	3,833	SH		SOLE		3,833	0	0
Boeing Co.	COM	097023105	27	125	SH		SOLE		0	0	125
Boeing Co.	COM	097023105	509	2,315	SH		SOLE		2,315	0	0
Booking Holdings Inc	COM	09857L108	43	18	SH		SOLE		18	0	0
Bristol Myers Squibb	COM	110122108	36	600	SH		SOLE		0	0	600
Bristol Myers Squibb	COM	110122108	494	8,347	SH		SOLE		8,347	0	0
Broadcom Inc	COM	11135F101	20	41	SH		SOLE		41	0	0
Brown & Brown Inc	COM	115236101	28	500	SH		OTR		500	0	0
CDW Corp/DE	COM	12514G108	590	3,240	SH		SOLE		3,240	0	0
Cigna Corp	COM	125523100	752	3,755	SH		SOLE		3,755	0	0
CME Group Inc.	COM	12572Q105	2	9	SH		SOLE		9	0	0
CSX Corp.	COM	126408103	306	10,290	SH		SOLE		10,290	0	0
CVS Health Corporation	COM	126650100	14	165	SH		SOLE		0	0	165
CVS Health Corporation	COM	126650100	2,372	27,955	SH		SOLE		27,955	0	0
Camden National Corp.	COM	133034108	112	2,343	SH		OTR		2,343	0	0
Camden National Corp.	COM	133034108	13	275	SH		SOLE		275	0	0
Camden Property Trust	SH BEN INT	133131102	38	258	SH		SOLE		258	0	0
Capital One Finl Corp	COM	14040H105	17	104	SH		SOLE		0	0	104
Capital One Finl Corp	COM	14040H105	93	575	SH		SOLE		575	0	0
Cardinal Health Inc	COM	14149Y108	15	300	SH		SOLE		300	0	0
Carnival Corp	UNIT 99/99/9999	143658300	5	200	SH		OTR		200	0	0
Carrier Global Corporation	COM	14448C104	20	380	SH		SOLE		380	0	0
Caterpillar Inc	COM	149123101	197	1,027	SH		SOLE		1,027	0	0
Chevron Corp	COM	166764100	6	56	SH		SOLE		0	0	56
Chevron Corp	COM	166764100	2,197	21,653	SH		SOLE		21,653	0	0
Chico's FAS, Inc.	COM	168615102	1	200	SH		OTR		200	0	0
Chipolte Mexican Grill Inc.	COM	169656105	5	3	SH		SOLE		0	0	3
Chipolte Mexican Grill Inc.	COM	169656105	500	275	SH		SOLE		275	0	0
Church & Dwight Co Inc	COM	171340102	25	300	SH		OTR		300	0	0
Cisco Systems	COM	17275R102	424	7,785	SH		SOLE		7,785	0	0
Citigroup Inc.	COM NEW	172967424	6	90	SH		SOLE		0	0	90
Citigroup Inc.	COM NEW	172967424	1,461	20,811	SH		SOLE		20,811	0	0
Clorox Co	COM	189054109	727	4,391	SH		SOLE		4,391	0	0
Coca Cola Company	COM	191216100	1,197	22,814	SH		SOLE		22,814	0	0
Colgate Palmolive	COM	194162103	46	608	SH		SOLE		608	0	0
Comcast Corp Com CL A	CL A	20030N101	1	12	SH		SOLE		0	0	12
Comcast Corp Com CL A	CL A	20030N101	341	6,096	SH		SOLE		6,096	0	0
Conocophillips Inc.	COM	20825C104	14	200	SH		SOLE		0	0	200
Conocophillips Inc.	COM	20825C104	503	7,423	SH		SOLE		7,423	0	0
Consolidated Edison Inc.	COM	209115104	11	150	SH		OTR		150	0	0
Corning Inc.	COM	219350105	36	1,000	SH		SOLE		1,000	0	0
Costco Wholesale Corp	COM	22160K105	797	1,773	SH		SOLE		1,773	0	0
Crown Castle Int Corp	COM	22822V101	10	55	SH		SOLE		0	0	55
Crown Castle Int Corp	COM	22822V101	861	4,965	SH		SOLE		4,965	0	0
Cummins Inc.	COM	231021106	11	50	SH		SOLE		50	0	0
Danaher Corp.	COM	235851102	457	1,501	SH		SOLE		1,501	0	0
Darling Ingredients Inc	COM	237266101	2	29	SH		SOLE		29	0	0
Deere & Co	COM	244199105	391	1,168	SH		SOLE		1,168	0	0
Dentsply Sirona Inc.	COM	24906P109	13	218	SH		SOLE		218	0	0
Diageo PLC	SPON ADR NEW	25243Q205	39	200	SH		OTR		200	0	0
Diageo PLC	SPON ADR NEW	25243Q205	295	1,528	SH		SOLE		1,528	0	0
Digital Realty Trust	COM	253868103	14	100	SH		SOLE		0	0	100
Digital Realty Trust	COM	253868103	1,137	7,870	SH		SOLE		7,870	0	0
Walt Disney Co	COM	254687106	8	45	SH		SOLE		0	0	45
Walt Disney Co	COM	254687106	2,233	13,201	SH		SOLE		13,201	0	0
Dollar General Corp.	COM	256677105	32	150	SH		OTR		150	0	0
Dollar Tree Inc	COM	256746108	2	17	SH		SOLE		17	0	0
Dominion Energy Inc	COM	25746U109	187	2,567	SH		SOLE		2,567	0	0
Dow Inc	COM	260557103	46	797	SH		SOLE		797	0	0
Duke Energy Corp	COM NEW	26441C204	12	125	SH		SOLE		0	0	125
Duke Energy Corp	COM NEW	26441C204	2,119	21,717	SH		SOLE		21,717	0	0
Dupont De Nemours Inc	COM	26614N102	48	704	SH		SOLE		704	0	0
Eastman Chemical Co	COM	277432100	57	562	SH		SOLE		562	0	0
EBAY Inc	COM	278642103	1	17	SH		SOLE		17	0	0
Edwards Lifesciences Corp	COM	28176E108	14	120	SH		OTR		120	0	0
Edwards Lifesciences Corp	COM	28176E108	2	20	SH		SOLE		20	0	0
Emerson Elec Co	COM	291011104	31	333	SH		SOLE		333	0	0
Enbridge Inc	COM	29250N105	358	8,984	SH		SOLE		8,984	0	0
Envista Holdings Corp	COM	29415F104	2	59	SH		SOLE		59	0	0
Etsy Inc	COM	29786A106	10	50	SH		OTR		50	0	0
Eversource Energy	COM	30040W108	10	117	SH		OTR		117	0	0
Exelon Corp.	COM	30161N101	90	1,855	SH		SOLE		1,855	0	0
Exxon Mobil Corp	COM	30231G102	9	150	SH		SOLE		0	0	150
Exxon Mobil Corp	COM	30231G102	2,052	34,886	SH		SOLE		34,886	0	0
Facebook Inc.	CL A	30303M102	592	1,744	SH		SOLE		1,744	0	0
Fedex Corporation	COM	31428X106	444	2,024	SH		SOLE		2,024	0	0
Fifth Third Bancorp	COM	316773100	5	123	SH		SOLE		123	0	0
Fiserv Inc.	COM	337738108	90	828	SH		SOLE		828	0	0
Fortinet Inc	COM	34959E109	44	150	SH		OTR		150	0	0
Fortive Corp	COM	34959J108	9	125	SH		SOLE		0	0	125
Fortive Corp	COM	34959J108	574	8,132	SH		SOLE		8,132	0	0
Freeport-McMoran Inc	CL B	35671D857	3	100	SH		SOLE		100	0	0
Generac Holdings Inc	COM	368736104	739	1,809	SH		SOLE		1,809	0	0
General Dynamics Corp.	COM	369550108	657	3,349	SH		SOLE		3,349	0	0
General Electric Co.	COM NEW	369604301	5	50	SH		OTR		50	0	0
General Electric Co.	COM NEW	369604301	0	1	SH		SOLE		0	0	1
General Electric Co.	COM NEW	369604301	87	848	SH		SOLE		848	0	0
General Mills Inc.	COM	370334104	21	350	SH		SOLE		350	0	0
Genuine Parts Co.	COM	372460105	2	15	SH		SOLE		15	0	0
Gilead Sciences Inc.	COM	375558103	45	646	SH		SOLE		646	0	0
Glaxosmithkline PLC-ADR	SPONSORED ADR	37733W105	149	3,908	SH		SOLE		3,908	0	0
Global Payments Inc	COM	37940X102	43	275	SH		OTR		275	0	0
Goldman Sachs Group	COM	38141G104	3	7	SH		SOLE		7	0	0
Grupo Aeroportuario Del Pacifico Sab De Cv ADR Rep 10 B CORP COMMON	SPON ADR B	400506101	32	275	SH		SOLE		275	0	0
HCA Healthcare Inc	COM	40412C101	554	2,282	SH		SOLE		2,282	0	0
HP Inc.	COM	40434L105	6	233	SH		SOLE		233	0	0
Hewlett Packard Enterprise Co.	COM	42824C109	3	233	SH		SOLE		233	0	0
Hilton Worldwide Holdings Inc	COM	43300A203	14	107	SH		OTR		107	0	0
Home Depot	COM	437076102	33	100	SH		SOLE		0	0	100
Home Depot	COM	437076102	1,111	3,384	SH		SOLE		3,384	0	0
Honeywell Intl Inc	COM	438516106	3	15	SH		SOLE		0	0	15
Honeywell Intl Inc	COM	438516106	1,083	5,102	SH		SOLE		5,102	0	0
Idexx Labs	COM	45168D104	170	274	SH		OTR		274	0	0
Idexx Labs	COM	45168D104	1,115	1,793	SH		SOLE		1,793	0	0
Intel Inc.	COM	458140100	29	550	SH		SOLE		0	0	550
Intel Inc.	COM	458140100	1,265	23,750	SH		SOLE		23,750	0	0
Intercontinental Exchange Inc	COM	45866F104	1,220	10,625	SH		SOLE		10,625	0	0
International Business Machines	COM	459200101	365	2,625	SH		SOLE		2,625	0	0
Invesco QQQ Trust Series 1	UNIT SER 1	46090E103	35	97	SH		SOLE		97	0	0
Intuit Inc	COM	461202103	63	116	SH		SOLE		116	0	0
Invesco S&P 500 Low Volatility	S&P500 LOW VOL	46138E354	18	300	SH		SOLE		300	0	0
iShares MSCI USA Equal Weighted ETF	MSCI EQUAL WEITE	464286681	6	75	SH		SOLE		0	0	75
iShares MSCI USA Equal Weighted ETF	MSCI EQUAL WEITE	464286681	1,858	22,197	SH		SOLE		22,197	0	0
iShares Dow Jones Dividend ETF	SELECT DIVID ETF	464287168	122	1,066	SH		SOLE		1,066	0	0
iShares Barclays TIPS Bonds Fund ETF	TIPS BD ETF	464287176	110	859	SH		SOLE		859	0	0
iShares Core S&P 500 ETF	CORE S&P500 ETF	464287200	641	1,487	SH		SOLE		1,487	0	0
iShares Inc MSCI Emerging Markets ETF	MSCI EMG MKT ETF	464287234	200	3,977	SH		SOLE		3,977	0	0
iShares Investment Grade Corp Bond ETF	IBOXX INV CP ETF	464287242	33	250	SH		SOLE		0	0	250
iShares Investment Grade Corp Bond ETF	IBOXX INV CP ETF	464287242	2,457	18,470	SH		SOLE		18,470	0	0
iShares S&P 500 Growth Index Fund	S&P 500 GRWT ETF	464287309	30	400	SH		SOLE		0	0	400
iShares S&P 500 Growth Index Fund	S&P 500 GRWT ETF	464287309	1,417	19,177	SH		SOLE		19,177	0	0
iShares S&P 500 Value Index Fund ETF	S&P 500 VAL ETF	464287408	1,118	7,685	SH		SOLE		7,685	0	0
iShares Trust Barclays 1-3 Year Treasury Bond Fund ETF	1 3 YR TREAS BD	464287457	4	50	SH		SOLE		50	0	0
iShares Trust MSCI EAFE Index Fund ETF	MSCI EAFE ETF	464287465	698	8,952	SH		SOLE		8,952	0	0
iShares Russell Midcap Value Index Fd ETF	RUS MDCP VAL ETF	464287473	40	350	SH		SOLE		0	0	350
iShares Russell Midcap Value Index Fd ETF	RUS MDCP VAL ETF	464287473	2	18	SH		SOLE		18	0	0
iShares Russell Midcap Growth ETF	RUS MD CP GR ETF	464287481	19	170	SH		SOLE		170	0	0
iShares Russell Midcap Index Fd ETF	RUS MID CAP ETF	464287499	25	324	SH		SOLE		324	0	0
iShares Core S&P Mid-Cap ETF	CORE S&P MCP ETF	464287507	1,782	6,774	SH		SOLE		6,774	0	0
IShares Russell 1000 Value Index Fund ETF	RUS 1000 VAL ETF	464287598	43	275	SH		SOLE		275	0	0
iShares S&P Mid Cap Growth ETF	S&P MC 400GR ETF	464287606	74	930	SH		SOLE		0	0	930
iShares S&P Mid Cap Growth ETF	S&P MC 400GR ETF	464287606	579	7,313	SH		SOLE		7,313	0	0
IShares Russell 1000 Growth Index Fd ETF	RUS 1000 GRW ETF	464287614	27	100	SH		SOLE		0	0	100
IShares Russell 1000 Growth Index Fd ETF	RUS 1000 GRW ETF	464287614	74	270	SH		SOLE		270	0	0
iShares Tr Russell 1000 Index Fd ETF	RUS 1000 ETF	464287622	133	550	SH		SOLE		550	0	0
iShares Russell 2000 Growth ETF	RUS 2000 GRW ETF	464287648	37	126	SH		SOLE		126	0	0
iShares Russell 2000 Index Fund ETF	RUSSELL 2000 ETF	464287655	11	50	SH		SOLE		50	0	0
iShares Inc S&P Mid Cap 400 Value ETF	S&P MC 400VL ETF	464287705	28	275	SH		SOLE		0	0	275
iShares Inc S&P Mid Cap 400 Value ETF	S&P MC 400VL ETF	464287705	3,212	31,175	SH		SOLE		31,175	0	0
iShares Core S&P Small-Cap ETF	CORE S&P SCP ETF	464287804	2,364	21,648	SH		SOLE		21,648	0	0
iShares Inc S&P Small Cap 600 Value ETF	SP SMCP600VL ETF	464287879	8	75	SH		SOLE		0	0	75
iShares Inc S&P Small Cap 600 Value ETF	SP SMCP600VL ETF	464287879	3,084	30,633	SH		SOLE		30,633	0	0
iShares S&P Small Cap 600 Growth ETF	S&P SML 600 GWT	464287887	94	720	SH		SOLE		0	0	720
iShares S&P Small Cap 600 Growth ETF	S&P SML 600 GWT	464287887	431	3,318	SH		SOLE		3,318	0	0
iShares JP Morgan USD Emerging Bond Fund ETF	JPMORGAN USD EMG	464288281	4	40	SH		SOLE		0	0	40
iShares JP Morgan USD Emerging Bond Fund ETF	JPMORGAN USD EMG	464288281	3,682	33,456	SH		SOLE		33,456	0	0
iShares S&P National AMT-Free Muni Bond Fund ETF	NATIONAL MUN ETF	464288414	93	800	SH		SOLE		800	0	0
iShares High Yield Corp Bond ETF	IBOXX HI YD ETF	464288513	7	75	SH		SOLE		0	0	75
iShares High Yield Corp Bond ETF	IBOXX HI YD ETF	464288513	3,697	42,260	SH		SOLE		42,260	0	0
iShares MBS ETF	MBS ETF	464288588	3	32	SH		OTR		32	0	0
iShares MBS ETF	MBS ETF	464288588	22	205	SH		SOLE		0	0	205
iShares MBS ETF	MBS ETF	464288588	4,755	43,972	SH		SOLE		43,972	0	0
iShares 1-5 Year Investment Grade Corporate Bond ETF	ISHS 1-5YR INVS	464288646	2,205	40,358	SH		SOLE		40,358	0	0
iShares US Preferred Stock ETF	PFD AND INCM SEC	464288687	13	325	SH		SOLE		0	0	325
iShares US Preferred Stock ETF	PFD AND INCM SEC	464288687	3,285	84,656	SH		SOLE		84,656	0	0
iShares Floating Rate Note Fund ETF	FLTG RATE NT ETF	46429B655	10	200	SH		SOLE		200	0	0
iShares Edge MSCI USA Quality Factor ETF	MSCI USA QLT FCT	46432F339	20	150	SH		SOLE		0	0	150
iShares Edge MSCI USA Quality Factor ETF	MSCI USA QLT FCT	46432F339	2,087	15,843	SH		SOLE		15,843	0	0
iShares Core MSCI EAFE ETF	CORE MSCI EAFE	46432F842	334	4,495	SH		SOLE		4,495	0	0
Ishares 0-5 Year Investment Grade Corporate Bd Etf	0-5YR INVT GR CP	46434V100	16	300	SH		SOLE		300	0	0
iShares iBonds Dec 2023 Term Corporate ETF	IBONDS DEC23 ETF	46434VAX8	3	125	SH		SOLE		0	0	125
iShares iBonds Dec 2023 Term Corporate ETF	IBONDS DEC23 ETF	46434VAX8	425	16,350	SH		SOLE		16,350	0	0
iShares iBonds Dec 2022 Term Corporate ETF	IBONDS DEC22 ETF	46434VBA7	237	9,355	SH		SOLE		9,355	0	0
iShares iBonds Dec 2025 Term Corporate ETF	IBONDS DEC25 ETF	46434VBD1	46	1,725	SH		SOLE		1,725	0	0
iShares iBonds Dec 2024 Term Corporate ETF	IBONDS DEC24 ETF	46434VBG4	183	6,955	SH		SOLE		6,955	0	0
iShares iBonds Dec 2021 Term Corporate ETF	IBONDS DEC21 ETF	46434VBK5	215	8,705	SH		SOLE		8,705	0	0
J.P. Morgan Chase & Co	COM	46625H100	16	95	SH		SOLE		0	0	95
J.P. Morgan Chase & Co	COM	46625H100	3,731	22,791	SH		SOLE		22,791	0	0
Johnson & Johnson	COM	478160104	2,932	18,154	SH		SOLE		18,154	0	0
KLA-Tencor Corp.	COM NEW	482480100	28	85	SH		SOLE		0	0	85
KLA-Tencor Corp.	COM NEW	482480100	1,599	4,780	SH		SOLE		4,780	0	0
Kansas City Southern	COM NEW	485170302	135	500	SH		SOLE		500	0	0
Kimberly Clark Corp	COM	494368103	21	160	SH		SOLE		160	0	0
ADR KONINKLIJKE AHOLDDELHAIZE N.V.	com	500467501	2	90	SH		OTR		90	0	0
Kraft Heinz Co.	COM	500754106	3	91	SH		SOLE		91	0	0
Kroger Corp.	COM	501044101	1	30	SH		SOLE		30	0	0
L3 Harris Technologies Inc	COM	502431109	353	1,605	SH		SOLE		1,605	0	0
Estee Lauder Co	CL A	518439104	25	85	SH		SOLE		0	0	85
Estee Lauder Co	CL A	518439104	1,793	5,978	SH		SOLE		5,978	0	0
Lilly Eli & Co	COM	532457108	12	50	SH		SOLE		0	0	50
Lilly Eli & Co	COM	532457108	1,920	8,311	SH		SOLE		8,311	0	0
Lockheed Martin Corp.	COM	539830109	79	228	SH		SOLE		228	0	0
Lowes Cos Inc.	COM	548661107	1,219	6,007	SH		SOLE		6,007	0	0
Lumen Technologies Inc	COM	550241103	2	185	SH		SOLE		185	0	0
M&T Bank Corporation	COM	55261F104	22	150	SH		SOLE		0	0	150
M&T Bank Corporation	COM	55261F104	1,590	10,650	SH		SOLE		10,650	0	0
Manulife Financial Corp.	COM	56501R106	9	480	SH		SOLE		480	0	0
MarketAxess Holdings Inc	COM	57060D108	53	125	SH		OTR		125	0	0
Marsh & McLennan Companies Inc	COM	571748102	736	4,861	SH		SOLE		4,861	0	0
Masco Corp	COM	574599106	10	175	SH		SOLE		0	0	175
Masco Corp	COM	574599106	964	17,362	SH		SOLE		17,362	0	0
Mastercard Inc.	CL A	57636Q104	2	7	SH		SOLE		0	0	7
Mastercard Inc.	CL A	57636Q104	482	1,385	SH		SOLE		1,385	0	0
McCormick & Co.	COM NON VTG	579780206	15	182	SH		SOLE		182	0	0
McDonalds Corp	COM	580135101	12	50	SH		SOLE		0	0	50
McDonalds Corp	COM	580135101	1,609	6,672	SH		SOLE		6,672	0	0
Merck & Co. Inc. New	COM	58933Y105	3	40	SH		SOLE		0	0	40
Merck & Co. Inc. New	COM	58933Y105	369	4,915	SH		SOLE		4,915	0	0
MetLife Inc.	COM	59156R108	11	171	SH		SOLE		171	0	0
Microsoft Corp.	COM	594918104	7	25	SH		OTR		25	0	0
Microsoft Corp.	COM	594918104	4,084	14,485	SH		SOLE		14,485	0	0
Microchip Technology	COM	595017104	41	265	SH		SOLE		0	0	265
Microchip Technology	COM	595017104	2,982	19,428	SH		SOLE		19,428	0	0
Microshare Corp.	com	59514B209	0	50	SH		OTR		50	0	0
Mondelez Intl Inc.	CL A	609207105	3	49	SH		SOLE		0	0	49
Mondelez Intl Inc.	CL A	609207105	1,050	18,040	SH		SOLE		18,040	0	0
Monolithic Power Systems Inc	COM	609839105	58	120	SH		OTR		120	0	0
Morgan Stanley	COM NEW	617446448	278	2,852	SH		SOLE		2,852	0	0
NCR Corp New	COM	62886E108	1	33	SH		SOLE		33	0	0
New York Community Bancorp	COM	649445103	1	100	SH		OTR		100	0	0
NextEra Energy Inc	COM	65339F101	16	200	SH		SOLE		0	0	200
NextEra Energy Inc	COM	65339F101	754	9,600	SH		SOLE		9,600	0	0
Nextera Energy Partners	COM UNIT PART IN	65341B106	8	100	SH		OTR		100	0	0
Nice LTD - Spon ADR	SPONSORED ADR	653656108	6	20	SH		OTR		20	0	0
Nike Inc Cl B	CL B	654106103	7	45	SH		SOLE		0	0	45
Nike Inc Cl B	CL B	654106103	1,501	10,337	SH		SOLE		10,337	0	0
Nokia Corp	SPONSORED ADR	654902204	1	100	SH		OTR		100	0	0
Norfolk Southern Corp	COM	655844108	140	585	SH		SOLE		585	0	0
Northrop Grumman Corp	COM	666807102	55	152	SH		SOLE		152	0	0
Novartis A G	SPONSORED ADR	66987V109	6	75	SH		SOLE		0	0	75
Novartis A G	SPONSORED ADR	66987V109	693	8,468	SH		SOLE		8,468	0	0
Nucor Corp.	COM	670346105	64	650	SH		SOLE		650	0	0
NVIDIA Corp	COM	67066G104	12	60	SH		SOLE		0	0	60
NVIDIA Corp	COM	67066G104	747	3,607	SH		SOLE		3,607	0	0
Nuveen Dividend Advantage Municipal Fund	COM	67066V101	8	514	SH		SOLE		514	0	0
Oracle Corp.	COM	68389X105	30	350	SH		SOLE		0	0	350
Oracle Corp.	COM	68389X105	2,604	29,891	SH		SOLE		29,891	0	0
Otis Worldwide Corporation	COM	68902V107	9	113	SH		SOLE		113	0	0
Palo Alto Networks Inc	COM	697435105	31	65	SH		SOLE		0	0	65
Palo Alto Networks Inc	COM	697435105	2,987	6,236	SH		SOLE		6,236	0	0
Paychex	COM	704326107	39	350	SH		SOLE		350	0	0
Paypal Holdings Inc.	COM	70450Y103	23	90	SH		SOLE		0	0	90
Paypal Holdings Inc.	COM	70450Y103	2,738	10,523	SH		SOLE		10,523	0	0
Peloton Interactive Inc	CL A COM	70614W100	9	100	SH		OTR		100	0	0
Penn National	COM	707569109	22	300	SH		OTR		300	0	0
PennyMac Financial Services Inc.	COM	70932M107	20	325	SH		OTR		325	0	0
Pepsico Inc	COM	713448108	34	225	SH		SOLE		0	0	225
Pepsico Inc	COM	713448108	1,636	10,878	SH		SOLE		10,878	0	0
Pfizer Inc	COM	717081103	4	86	SH		SOLE		0	0	86
Pfizer Inc	COM	717081103	1,318	30,636	SH		SOLE		30,636	0	0
Phillip Morris Intl, Inc	COM	718172109	82	862	SH		SOLE		862	0	0
PIMCO Total Return Active ETF	ACTIVE BD ETF	72201R775	4	32	SH		OTR		32	0	0
PIMCO Total Return Active ETF	ACTIVE BD ETF	72201R775	47	425	SH		SOLE		0	0	425
PIMCO Total Return Active ETF	ACTIVE BD ETF	72201R775	8,327	75,322	SH		SOLE		75,322	0	0
PIMCO Enhanced Short Maturity Active ETF	ENHAN SHRT MA AC	72201R833	800	7,845	SH		SOLE		7,845	0	0
T. Rowe Price	COM	74144T108	78	395	SH		SOLE		395	0	0
Procter & Gamble	COM	742718109	6	40	SH		OTR		40	0	0
Procter & Gamble	COM	742718109	14	100	SH		SOLE		0	0	100
Procter & Gamble	COM	742718109	2,674	19,129	SH		SOLE		19,129	0	0
Prologis Inc	COM	74340W103	14	111	SH		OTR		111	0	0
Prudential Financial Inc.	COM	744320102	1	9	SH		SOLE		0	0	9
Prudential Financial Inc.	COM	744320102	123	1,169	SH		SOLE		1,169	0	0
Qualcomm Inc.	COM	747525103	99	765	SH		SOLE		765	0	0
Raytheon Technologies Corp	COM	75513E101	294	3,417	SH		SOLE		3,417	0	0
Republic Services Inc.	COM	760759100	2	18	SH		SOLE		18	0	0
ResMed Inc	COM	761152107	33	125	SH		OTR		125	0	0
S&P Global Inc.	COM	78409V104	2	5	SH		SOLE		5	0	0
SPDR S&P 500 ETF	TR UNIT	78462F103	86	200	SH		SOLE		0	0	200
SPDR S&P 500 ETF	TR UNIT	78462F103	23	54	SH		SOLE		54	0	0
SPDR Gold Trust ETF	GOLD SHS	78463V107	16	100	SH		SOLE		100	0	0
SPDR Portfolio Developed World ex-US ETF	PORTFOLIO DEVLPD	78463X889	6	175	SH		SOLE		0	0	175
SPDR Portfolio Developed World ex-US ETF	PORTFOLIO DEVLPD	78463X889	2,366	65,331	SH		SOLE		65,331	0	0
SPDR Bloomberg Barclays Convertible Securities ETF	BLMBRG BRC CNVRT	78464A359	447	5,234	SH		SOLE		5,234	0	0
SPDR S&P Dividend ETF	S&P DIVID ETF	78464A763	49	420	SH		SOLE		420	0	0
SPDR S&P Midcap 400 ETF	UTSER1 S&PDCRP	78467Y107	274	570	SH		SOLE		570	0	0
SPDR Bloomberg Barclays IG Floating Rate ETF	BLOMBERG BRC INV	78468R200	184	5,991	SH		SOLE		5,991	0	0
SPDR Nuveen Bloomberg Barclays Municipal Bond ETF	NUVEEN BRC MUNIC	78468R721	146	2,834	SH		SOLE		2,834	0	0
Salesforce.com Inc.	COM	79466L302	7	25	SH		SOLE		0	0	25
Salesforce.com Inc.	COM	79466L302	1,534	5,657	SH		SOLE		5,657	0	0
SAP AG ADR	SPON ADR	803054204	22	165	SH		SOLE		165	0	0
Charles Schwab Inc	COM	808513105	425	5,830	SH		SOLE		5,830	0	0
Finanical Select Sector SPDR	FINANCIAL	81369Y605	2	60	SH		SOLE		60	0	0
Shopify Inc - Class A	CL A	82509L107	68	50	SH		OTR		50	0	0
Simon PPTY Group Inc	COM	828806109	16	120	SH		SOLE		120	0	0
Skillz Inc	COM	83067L109	4	400	SH		OTR		400	0	0
Southern Company	COM	842587107	99	1,596	SH		SOLE		1,596	0	0
SouthWest Airlines Co	COM	844741108	10	203	SH		SOLE		203	0	0
Starbucks Corp	COM	855244109	22	200	SH		SOLE		0	0	200
Starbucks Corp	COM	855244109	1,165	10,565	SH		SOLE		10,565	0	0
State Street Corp.	COM	857477103	450	5,308	SH		SOLE		5,308	0	0
Stryker Corp	COM	863667101	30	115	SH		SOLE		115	0	0
Suncor Energy, Inc.	COM	867224107	1	71	SH		SOLE		71	0	0
Sysco Corp	COM	871829107	20	250	SH		SOLE		250	0	0
T J X Companies	COM	872540109	496	7,520	SH		SOLE		7,520	0	0
Target Corp.	COM	87612E106	196	856	SH		SOLE		856	0	0
Tesla Motors Inc	COM	88160R101	19	25	SH		OTR		25	0	0
Texas Instruments	COM	882508104	351	1,827	SH		SOLE		1,827	0	0
Thermo Fisher Scientific Inc.	COM	883556102	11	20	SH		SOLE		0	0	20
Thermo Fisher Scientific Inc.	COM	883556102	437	765	SH		SOLE		765	0	0
3M Corp	COM	88579Y101	17	95	SH		SOLE		0	0	95
3M Corp	COM	88579Y101	792	4,517	SH		SOLE		4,517	0	0
Toronto Dominion Bank Ont Sedol 2897222	COM NEW	891160509	114	1,729	SH		SOLE		1,729	0	0
Tractor Supply Company	COM	892356106	61	300	SH		OTR		300	0	0
The Travelers Cos Inc	COM	89417E109	13	83	SH		SOLE		83	0	0
Truist Financial Corporation	COM	89832Q109	805	13,734	SH		SOLE		13,734	0	0
Tyler Technologies	COM	902252105	284	620	SH		OTR		620	0	0
Tyler Technologies	COM	902252105	7	15	SH		SOLE		0	0	15
Tyler Technologies	COM	902252105	1,045	2,279	SH		SOLE		2,279	0	0
UGI Corp New	COM	902681105	37	864	SH		OTR		864	0	0
US Bancorp Del	COM NEW	902973304	9	150	SH		SOLE		0	0	150
US Bancorp Del	COM NEW	902973304	282	4,749	SH		SOLE		4,749	0	0
Union Pac Corp	COM	907818108	39	198	SH		SOLE		198	0	0
United Parcel Service	CL B	911312106	32	175	SH		SOLE		0	0	175
United Parcel Service	CL B	911312106	1,970	10,817	SH		SOLE		10,817	0	0
Unitedhealth Group	COM	91324P102	87	222	SH		SOLE		222	0	0
UNUM Group	COM	91529Y106	25	979	SH		OTR		979	0	0
VF Corp	COM	918204108	195	2,918	SH		SOLE		2,918	0	0
Vanguard Dividend Appreciation ETF	DIV APP ETF	921908844	12	75	SH		SOLE		0	0	75
Vanguard Dividend Appreciation ETF	DIV APP ETF	921908844	1,084	7,057	SH		SOLE		7,057	0	0
Vanguard Int Term Bd Index Fd ETF	INTERMED TERM	921937819	32	360	SH		SOLE		360	0	0
Vanguard Total Bond Market ETF	TOTAL BND MRKT	921937835	9	100	SH		SOLE		0	0	100
Vanguard Total Bond Market ETF	TOTAL BND MRKT	921937835	990	11,582	SH		SOLE		11,582	0	0
Vanguard FTSE Developed Markets ETF	FTSE DEV MKT ETF	921943858	96	1,898	SH		SOLE		1,898	0	0
Vanguard High Dividend Yield ETF	HIGH DIV YLD	921946406	8	75	SH		SOLE		0	0	75
Vanguard High Dividend Yield ETF	HIGH DIV YLD	921946406	1,682	16,274	SH		SOLE		16,274	0	0
Vanguard Total Intl Bond ETF	TOTAL INT BD ETF	92203J407	14	250	SH		SOLE		250	0	0
Vanguard FTSE All-World ex- US ETF	ALLWRLD EX US	922042775	269	4,408	SH		SOLE		4,408	0	0
Vanguard FTSE Emerging Mkts ETF	FTSE EMR MKT ETF	922042858	11	225	SH		SOLE		0	0	225
Vanguard FTSE Emerging Mkts ETF	FTSE EMR MKT ETF	922042858	4,277	85,518	SH		SOLE		85,518	0	0
Vanguard Utility ETF	UTILITIES ETF	92204A876	111	795	SH		SOLE		795	0	0
Vanguard Short-Term Corporate Bond ETF	SHRT TRM CORP BD	92206C409	357	4,333	SH		SOLE		4,333	0	0
Vanguard Intermediate Term Corporate Bond ETF	INT-TERM CORP	92206C870	34	365	SH		SOLE		0	0	365
Vanguard Intermediate Term Corporate Bond ETF	INT-TERM CORP	92206C870	10,590	112,167	SH		SOLE		112,167	0	0
Vapotherm, Inc	COM	922107107	2	100	SH		OTR		100	0	0
Vanguard S&P 500 ETF New	S&P 500 ETF SHS	922908363	65	165	SH		SOLE		165	0	0
Vanguard Real Estate ETF	REAL ESTATE ETF	922908553	36	350	SH		SOLE		0	0	350
Vanguard Real Estate ETF	REAL ESTATE ETF	922908553	2,326	22,858	SH		SOLE		22,858	0	0
Vanguard Small-Cap Growth ETF	SML CP GRW ETF	922908595	101	360	SH		SOLE		360	0	0
Vanguard Mid-Cap ETF	MID CAP ETF	922908629	206	869	SH		SOLE		869	0	0
Vanguard Value ETF	VALUE ETF	922908744	39	290	SH		SOLE		290	0	0
Vanguard Small-Cap ETF	SMALL CP ETF	922908751	165	756	SH		SOLE		756	0	0
Vanguard Total Stock Market ETF	TOTAL STK MKT	922908769	56	250	SH		SOLE		0	0	250
Vanguard Total Stock Market ETF	TOTAL STK MKT	922908769	6,799	30,619	SH		SOLE		30,619	0	0
Verizon Communications	COM	92343V104	2,307	42,713	SH		SOLE		42,713	0	0
Visa Inc	COM CL A	92826C839	251	1,129	SH		SOLE		1,129	0	0
Vodafone Group PLC ADR New	SPONSORED ADR	92857W308	7	468	SH		SOLE		468	0	0
Wabtec Corp	COM	929740108	3	37	SH		SOLE		37	0	0
Walmart Inc	COM	931142103	305	2,191	SH		SOLE		2,191	0	0
Wayfair Inc.	CL A	94419L101	26	100	SH		OTR		100	0	0
Wells Fargo & Co	COM	949746101	252	5,438	SH		SOLE		5,438	0	0
Whirlpool Corp	COM	963320106	173	850	SH		SOLE		850	0	0
Xilinx Inc	COM	983919101	14	90	SH		SOLE		0	0	90
Xilinx Inc	COM	983919101	242	1,600	SH		SOLE		1,600	0	0
Xylem Inc.	COM	98419M100	4	32	SH		SOLE		32	0	0
YUM Brands Inc.	COM	988498101	95	780	SH		SOLE		780	0	0
Zimmer Biomet Hldgs Inc	COM	98956P102	23	160	SH		SOLE		0	0	160
Zimmer Biomet Hldgs Inc	COM	98956P102	1,464	10,002	SH		SOLE		10,002	0	0
Zions Bancorp NA	COM	989701107	3	44	SH		SOLE		44	0	0
Zoetis Inc	CL A	98978V103	565	2,909	SH		SOLE		2,909	0	0
Accenture PLC Ireland Shs Cl A	SHS CLASS A	G1151C101	3	10	SH		SOLE		0	0	10
Accenture PLC Ireland Shs Cl A	SHS CLASS A	G1151C101	147	459	SH		SOLE		459	0	0
Johnson Controls International	SHS	G51502105	603	8,851	SH		SOLE		8,851	0	0
Linde PLC	SHS	G5494J103	74	251	SH		SOLE		251	0	0
Medtronic PLC Sedol	SHS	G5960L103	1	9	SH		SOLE		0	0	9
Medtronic PLC Sedol	SHS	G5960L103	151	1,205	SH		SOLE		1,205	0	0
Chubb Ltd	COM	H1467J104	223	1,283	SH		SOLE		1,283	0	0
Check Point Software Technologies	ORD	M22465104	2	20	SH		SOLE		20	0	0
Ferrari NV	COM	N3167Y103	14	65	SH		OTR		65	0	0
NXP Semiconductors N.V.	COM	N6596X109	9	47	SH		SOLE		47	0	0