VeraBank, N.A. 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	Common Stock	88579Y101	750	5,493	SH		SOLE		5,493	0	0
3M CO	Common Stock	88579Y101	507	3,717	SH		OTR		3,717	0	0
ABBOTT LABORATORIES	Common Stock	002824100	1,680	21,293	SH		SOLE		21,293	0	0
ABBOTT LABORATORIES	Common Stock	002824100	158	2,000	SH		OTR		2,000	0	0
ABBVIE INC	Common Stock	00287Y109	891	11,691	SH		SOLE		11,691	0	0
ABBVIE INC	Common Stock	00287Y109	53	701	SH		OTR		701	0	0
ACCENTURE PLC	Int'l Common Stock	G1151C101	596	3,651	SH		SOLE		3,651	0	0
ACCENTURE PLC	Int'l Common Stock	G1151C101	103	633	SH		OTR		633	0	0
AFLAC INC	Common Stock	001055102	493	14,400	SH		SOLE		14,400	0	0
AFLAC INC	Common Stock	001055102	90	2,618	SH		OTR		2,618	0	0
ALPHABET INC	Common Stock	02079K107	1,444	1,242	SH		SOLE		1,242	0	0
ALPHABET INC	Common Stock	02079K107	220	189	SH		OTR		189	0	0
ALPHABET INC	Common Stock	02079K305	882	759	SH		SOLE		759	0	0
ALPHABET INC	Common Stock	02079K305	109	94	SH		OTR		94	0	0
ALTRIA GROUP INC	Common Stock	02209S103	609	15,751	SH		SOLE		15,751	0	0
ALTRIA GROUP INC	Common Stock	02209S103	11	288	SH		OTR		288	0	0
AMAZON.COM INC	Common Stock	023135106	731	375	SH		SOLE		375	0	0
AMAZON.COM INC	Common Stock	023135106	51	26	SH		OTR		26	0	0
AMERICAN EXPRESS CO	Common Stock	025816109	297	3,473	SH		SOLE		3,473	0	0
AMERICAN EXPRESS CO	Common Stock	025816109	70	820	SH		OTR		820	0	0
AMERICAN TOWER CORP	Common Stock	03027X100	218	1,001	SH		SOLE		1,001	0	0
AMERICAN WATER WORKS COMPANY INC	Common Stock	030420103	574	4,798	SH		SOLE		4,798	0	0
AMGEN INC	Common Stock	031162100	1,012	4,994	SH		SOLE		4,994	0	0
APPLE INC	Common Stock	037833100	3,978	15,642	SH		SOLE		15,642	0	0
APPLE INC	Common Stock	037833100	342	1,343	SH		OTR		1,343	0	0
ARTHUR J GALLAGHER & CO	Common Stock	363576109	269	3,300	SH		SOLE		3,300	0	0
AT&T INC	Common Stock	00206R102	339	11,631	SH		SOLE		11,631	0	0
AT&T INC	Common Stock	00206R102	6	200	SH		OTR		200	0	0
AUTOMATIC DATA PROCESSING INC	Common Stock	053015103	451	3,300	SH		SOLE		3,300	0	0
BANK OF AMERICA CORP	Common Stock	060505104	336	15,836	SH		SOLE		15,836	0	0
BANK OF AMERICA CORP	Common Stock	060505104	28	1,300	SH		OTR		1,300	0	0
BAXTER INTERNATIONAL INC	Common Stock	071813109	513	6,320	SH		SOLE		6,320	0	0
BAXTER INTERNATIONAL INC	Common Stock	071813109	63	770	SH		OTR		770	0	0
BECTON DICKINSON AND CO	Common Stock	075887109	305	1,328	SH		SOLE		1,328	0	0
BERKSHIRE HATHAWAY INC	Common Stock	084670702	1,567	8,572	SH		SOLE		8,572	0	0
BERKSHIRE HATHAWAY INC	Common Stock	084670702	238	1,300	SH		OTR		1,300	0	0
BRISTOL-MYERS SQUIBB CO	Common Stock	110122108	390	7,004	SH		SOLE		7,004	0	0
BRISTOL-MYERS SQUIBB CO	Common Stock	110122108	50	900	SH		OTR		900	0	0
CANADIAN PACIFIC RAILWAY LTD	Int'l Common Stock	13645T100	417	1,900	SH		SOLE		1,900	0	0
CATERPILLAR INC	Common Stock	149123101	114	985	SH		SOLE		985	0	0
CATERPILLAR INC	Common Stock	149123101	215	1,850	SH		OTR		1,850	0	0
CHEVRON CORP	Common Stock	166764100	1,270	17,521	SH		SOLE		17,521	0	0
CHEVRON CORP	Common Stock	166764100	274	3,786	SH		OTR		3,786	0	0
CISCO SYSTEMS INC	Common Stock	17275R102	532	13,521	SH		SOLE		13,521	0	0
CISCO SYSTEMS INC	Common Stock	17275R102	220	5,605	SH		OTR		5,605	0	0
CITIGROUP INC	Common Stock	172967424	554	13,156	SH		SOLE		13,156	0	0
CITIGROUP INC	Common Stock	172967424	27	647	SH		OTR		647	0	0
CME GROUP INC	Common Stock	12572Q105	207	1,200	SH		SOLE		1,200	0	0
CMS ENERGY CORP	Common Stock	125896100	376	6,400	SH		SOLE		6,400	0	0
COCA-COLA CO	Common Stock	191216100	600	13,564	SH		SOLE		13,564	0	0
COCA-COLA CO	Common Stock	191216100	412	9,317	SH		OTR		9,317	0	0
COGNIZANT TECHNOLOGY SOLUTIONS CORP	Common Stock	192446102	195	4,195	SH		SOLE		4,195	0	0
COGNIZANT TECHNOLOGY SOLUTIONS CORP	Common Stock	192446102	12	250	SH		OTR		250	0	0
COLGATE-PALMOLIVE CO	Common Stock	194162103	266	4,013	SH		SOLE		4,013	0	0
COLGATE-PALMOLIVE CO	Common Stock	194162103	181	2,726	SH		OTR		2,726	0	0
COMCAST CORP	Common Stock	20030N101	206	6,006	SH		SOLE		6,006	0	0
COMCAST CORP	Common Stock	20030N101	57	1,650	SH		OTR		1,650	0	0
CONOCOPHILLIPS	Common Stock	20825C104	201	6,517	SH		SOLE		6,517	0	0
COSTCO WHOLESALE CORP	Common Stock	22160K105	375	1,316	SH		SOLE		1,316	0	0
COSTCO WHOLESALE CORP	Common Stock	22160K105	15	52	SH		OTR		52	0	0
CVS HEALTH CORP	Common Stock	126650100	497	8,377	SH		SOLE		8,377	0	0
CVS HEALTH CORP	Common Stock	126650100	56	938	SH		OTR		938	0	0
DANAHER CORP	Common Stock	235851102	1,818	13,134	SH		SOLE		13,134	0	0
DANAHER CORP	Common Stock	235851102	180	1,304	SH		OTR		1,304	0	0
DEERE & CO	Common Stock	244199105	440	3,185	SH		SOLE		3,185	0	0
DEERE & CO	Common Stock	244199105	256	1,850	SH		OTR		1,850	0	0
DOMINION ENERGY INC	Common Stock	25746U109	751	10,402	SH		SOLE		10,402	0	0
DOMINION ENERGY INC	Common Stock	25746U109	163	2,260	SH		OTR		2,260	0	0
ELI LILLY AND CO	Common Stock	532457108	472	3,400	SH		SOLE		3,400	0	0
EXELON CORP	Common Stock	30161N101	435	11,824	SH		SOLE		11,824	0	0
EXXON MOBIL CORP	Common Stock	30231G102	1,965	51,756	SH		SOLE		51,756	0	0
EXXON MOBIL CORP	Common Stock	30231G102	429	11,306	SH		OTR		11,306	0	0
FISERV INC	Common Stock	337738108	624	6,567	SH		SOLE		6,567	0	0
FISERV INC	Common Stock	337738108	116	1,216	SH		OTR		1,216	0	0
FLEXSHARES IBOXX 3-YEAR TARGET DURATION TIPS INDEX	Fixed Income ETF	33939L506	3,706	150,732	SH		SOLE		150,732	0	0
FLEXSHARES IBOXX 3-YEAR TARGET DURATION TIPS INDEX	Fixed Income ETF	33939L506	142	5,773	SH		OTR		5,773	0	0
FLEXSHARES IBOXX 5-YEAR TARGET DURATION TIPS INDEX	Fixed Income ETF	33939L605	3,606	139,694	SH		SOLE		139,694	0	0
FLEXSHARES IBOXX 5-YEAR TARGET DURATION TIPS INDEX	Fixed Income ETF	33939L605	668	25,892	SH		OTR		25,892	0	0
FLEXSHARES QUALITY DIVIDEND INDEX FUND	Exchange Traded Fund	33939L860	11,856	329,712	SH		SOLE		329,712	0	0
FLEXSHARES QUALITY DIVIDEND INDEX FUND	Exchange Traded Fund	33939L860	718	19,967	SH		OTR		19,967	0	0
FLEXSHS MORNINGSTAR GLBL UPSTEAM NTRL RES IDX FD	Exchange Traded Fund	33939L407	3,387	150,327	SH		SOLE		150,327	0	0
FLEXSHS MORNINGSTAR GLBL UPSTEAM NTRL RES IDX FD	Exchange Traded Fund	33939L407	227	10,080	SH		OTR		10,080	0	0
FORTIVE CORP	Common Stock	34959J108	358	6,488	SH		SOLE		6,488	0	0
FORTIVE CORP	Common Stock	34959J108	22	399	SH		OTR		399	0	0
GENERAL MILLS INC	Common Stock	370334104	335	6,341	SH		SOLE		6,341	0	0
GENERAL MILLS INC	Common Stock	370334104	13	246	SH		OTR		246	0	0
HALLIBURTON CO	Common Stock	406216101	85	12,358	SH		SOLE		12,358	0	0
HALLIBURTON CO	Common Stock	406216101	20	2,964	SH		OTR		2,964	0	0
HCA HEALTHCARE INC	Common Stock	40412C101	197	2,190	SH		SOLE		2,190	0	0
HCA HEALTHCARE INC	Common Stock	40412C101	31	350	SH		OTR		350	0	0
HOME DEPOT INC	Common Stock	437076102	243	1,299	SH		SOLE		1,299	0	0
HONEYWELL INTERNATIONAL INC	Common Stock	438516106	517	3,868	SH		SOLE		3,868	0	0
IAC/INTERACTIVECORP	Common Stock	44919P508	269	1,500	SH		SOLE		1,500	0	0
INTEL CORP	Common Stock	458140100	2,004	37,037	SH		SOLE		37,037	0	0
INTEL CORP	Common Stock	458140100	198	3,650	SH		OTR		3,650	0	0
INTERCONTINENTAL EXCHANGE INC	Common Stock	45866F104	236	2,920	SH		SOLE		2,920	0	0
INTERCONTINENTAL EXCHANGE INC	Common Stock	45866F104	16	200	SH		OTR		200	0	0
ISHARES CORE S&P SMALL-CAP ETF	Exchange Traded Fund	464287804	1,484	26,446	SH		SOLE		26,446	0	0
ISHARES CORE S&P SMALL-CAP ETF	Exchange Traded Fund	464287804	106	1,892	SH		OTR		1,892	0	0
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ET	Fixed Income ETF	464287242	571	4,625	SH		SOLE		4,625	0	0
ISHARES MSCI EAFE ETF	International Equity ETF	464287465	1,806	33,788	SH		SOLE		33,788	0	0
ISHARES S&P MIDCAP 400 INDEX FUND	Exchange Traded Fund	464287507	1,027	7,140	SH		SOLE		7,140	0	0
ISHARES S&P MIDCAP 400 INDEX FUND	Exchange Traded Fund	464287507	191	1,330	SH		OTR		1,330	0	0
JOHNSON & JOHNSON	Common Stock	478160104	1,514	11,546	SH		SOLE		11,546	0	0
JOHNSON & JOHNSON	Common Stock	478160104	593	4,525	SH		OTR		4,525	0	0
JPMORGAN CHASE & CO	Common Stock	46625H100	1,731	19,223	SH		SOLE		19,223	0	0
JPMORGAN CHASE & CO	Common Stock	46625H100	78	870	SH		OTR		870	0	0
KIMBERLY-CLARK CORP	Common Stock	494368103	68	531	SH		SOLE		531	0	0
KIMBERLY-CLARK CORP	Common Stock	494368103	166	1,300	SH		OTR		1,300	0	0
LINDE PLC	Int'l Common Stock	G5494J103	237	1,372	SH		SOLE		1,372	0	0
LINDE PLC	Int'l Common Stock	G5494J103	17	100	SH		OTR		100	0	0
LOWE'S COMPANIES INC	Common Stock	548661107	1,036	12,037	SH		SOLE		12,037	0	0
LOWE'S COMPANIES INC	Common Stock	548661107	353	4,102	SH		OTR		4,102	0	0
MARSH & MCLENNAN COMPANIES INC	Common Stock	571748102	348	4,024	SH		SOLE		4,024	0	0
MARSH & MCLENNAN COMPANIES INC	Common Stock	571748102	16	180	SH		OTR		180	0	0
MASTERCARD INC	Common Stock	57636Q104	858	3,553	SH		SOLE		3,553	0	0
MASTERCARD INC	Common Stock	57636Q104	72	300	SH		OTR		300	0	0
MCDONALD'S CORP	Common Stock	580135101	1,251	7,563	SH		SOLE		7,563	0	0
MCDONALD'S CORP	Common Stock	580135101	92	558	SH		OTR		558	0	0
MEDTRONIC PLC	Int'l Common Stock	G5960L103	607	6,727	SH		SOLE		6,727	0	0
MERCK & CO INC	Common Stock	58933Y105	625	8,120	SH		SOLE		8,120	0	0
MERCK & CO INC	Common Stock	58933Y105	191	2,488	SH		OTR		2,488	0	0
MICROSOFT CORP	Common Stock	594918104	4,143	26,267	SH		SOLE		26,267	0	0
MICROSOFT CORP	Common Stock	594918104	47	300	SH		OTR		300	0	0
MONDELEZ INTERNATIONAL INC	Common Stock	609207105	247	4,940	SH		SOLE		4,940	0	0
NEXTERA ENERGY INC	Common Stock	65339F101	869	3,610	SH		SOLE		3,610	0	0
NEXTERA ENERGY INC	Common Stock	65339F101	383	1,590	SH		OTR		1,590	0	0
NIKE INC	Common Stock	654106103	1,524	18,424	SH		SOLE		18,424	0	0
NORFOLK SOUTHERN CORP	Common Stock	655844108	595	4,073	SH		SOLE		4,073	0	0
NORFOLK SOUTHERN CORP	Common Stock	655844108	29	200	SH		OTR		200	0	0
ORACLE CORP	Common Stock	68389X105	404	8,355	SH		SOLE		8,355	0	0
ORACLE CORP	Common Stock	68389X105	35	720	SH		OTR		720	0	0
PEPSICO INC	Common Stock	713448108	939	7,819	SH		SOLE		7,819	0	0
PEPSICO INC	Common Stock	713448108	620	5,163	SH		OTR		5,163	0	0
PFIZER INC	Common Stock	717081103	1,136	34,800	SH		SOLE		34,800	0	0
PFIZER INC	Common Stock	717081103	222	6,800	SH		OTR		6,800	0	0
PHILIP MORRIS INTERNATIONAL INC	Common Stock	718172109	438	5,999	SH		SOLE		5,999	0	0
PHILIP MORRIS INTERNATIONAL INC	Common Stock	718172109	27	373	SH		OTR		373	0	0
PROCTER & GAMBLE CO	Common Stock	742718109	1,575	14,317	SH		SOLE		14,317	0	0
PROCTER & GAMBLE CO	Common Stock	742718109	488	4,438	SH		OTR		4,438	0	0
SABINE ROYALTY TRUST	Common Stock	785688102	678	24,524	SH		SOLE		24,524	0	0
SALESFORCE.COM INC	Common Stock	79466L302	1,312	9,110	SH		SOLE		9,110	0	0
SALESFORCE.COM INC	Common Stock	79466L302	41	284	SH		OTR		284	0	0
SCHLUMBERGER NV	Int'l Common Stock	806857108	158	11,693	SH		SOLE		11,693	0	0
SCHLUMBERGER NV	Int'l Common Stock	806857108	12	914	SH		OTR		914	0	0
SPDR S&P 500 ETF TRUST	Exchange Traded Fund	78462F103	888	3,445	SH		SOLE		3,445	0	0
STARBUCKS CORP	Common Stock	855244109	1,155	17,567	SH		SOLE		17,567	0	0
STARBUCKS CORP	Common Stock	855244109	58	880	SH		OTR		880	0	0
TJX COMPANIES INC	Common Stock	872540109	337	7,055	SH		SOLE		7,055	0	0
U.S. BANCORP	Common Stock	902973304	538	15,610	SH		SOLE		15,610	0	0
U.S. BANCORP	Common Stock	902973304	30	867	SH		OTR		867	0	0
UNITED PARCEL SERVICE INC	Common Stock	911312106	378	4,044	SH		SOLE		4,044	0	0
UNITED PARCEL SERVICE INC	Common Stock	911312106	75	800	SH		OTR		800	0	0
UNITEDHEALTH GROUP INC	Common Stock	91324P102	245	981	SH		SOLE		981	0	0
UNITEDHEALTH GROUP INC	Common Stock	91324P102	27	110	SH		OTR		110	0	0
VANGUARD HIGH DIVIDEND YIELD INDEX FUND	Exchange Traded Fund	921946406	1,313	18,565	SH		SOLE		18,565	0	0
VANGUARD HIGH DIVIDEND YIELD INDEX FUND	Exchange Traded Fund	921946406	648	9,154	SH		OTR		9,154	0	0
VANGUARD VALUE INDEX FUND	Exchange Traded Fund	922908744	202	2,264	SH		SOLE		2,264	0	0
VERIZON COMMUNICATIONS INC	Common Stock	92343V104	1,088	20,254	SH		SOLE		20,254	0	0
VERIZON COMMUNICATIONS INC	Common Stock	92343V104	153	2,839	SH		OTR		2,839	0	0
WASTE MANAGEMENT INC	Common Stock	94106L109	454	4,900	SH		SOLE		4,900	0	0
ZOETIS INC	Common Stock	98978V103	322	2,735	SH		SOLE		2,735	0	0