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	857	5,493	SH		SOLE		5,493	0	0
3M CO	Common Stock	88579Y101	580	3,717	SH		OTR		3,717	0	0
ABBOTT LABORATORIES	Common Stock	002824100	1,938	21,193	SH		SOLE		21,193	0	0
ABBOTT LABORATORIES	Common Stock	002824100	183	2,000	SH		OTR		2,000	0	0
ABBVIE INC	Common Stock	00287Y109	1,148	11,691	SH		SOLE		11,691	0	0
ABBVIE INC	Common Stock	00287Y109	69	701	SH		OTR		701	0	0
ACCENTURE PLC	Int'l Common Stock	G1151C101	784	3,651	SH		SOLE		3,651	0	0
ACCENTURE PLC	Int'l Common Stock	G1151C101	136	633	SH		OTR		633	0	0
AFLAC INC	Common Stock	001055102	519	14,400	SH		SOLE		14,400	0	0
AFLAC INC	Common Stock	001055102	94	2,618	SH		OTR		2,618	0	0
ALPHABET INC	Common Stock	02079K107	1,751	1,239	SH		SOLE		1,239	0	0
ALPHABET INC	Common Stock	02079K107	267	189	SH		OTR		189	0	0
ALPHABET INC	Common Stock	02079K305	1,098	774	SH		SOLE		774	0	0
ALPHABET INC	Common Stock	02079K305	133	94	SH		OTR		94	0	0
ALTRIA GROUP INC	Common Stock	02209S103	618	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	1,035	375	SH		SOLE		375	0	0
AMAZON.COM INC	Common Stock	023135106	72	26	SH		OTR		26	0	0
AMERICAN EXPRESS CO	Common Stock	025816109	331	3,473	SH		SOLE		3,473	0	0
AMERICAN EXPRESS CO	Common Stock	025816109	78	820	SH		OTR		820	0	0
AMERICAN TOWER CORP	Common Stock	03027X100	259	1,001	SH		SOLE		1,001	0	0
AMERICAN WATER WORKS COMPANY INC	Common Stock	030420103	611	4,748	SH		SOLE		4,748	0	0
AMGEN INC	Common Stock	031162100	1,178	4,994	SH		SOLE		4,994	0	0
APPLE INC	Common Stock	037833100	5,743	15,742	SH		SOLE		15,742	0	0
APPLE INC	Common Stock	037833100	490	1,343	SH		OTR		1,343	0	0
APPLIED MATERIALS INC	Common Stock	038222105	16	262	SH		SOLE		262	0	0
APPLIED MATERIALS INC	Common Stock	038222105	246	4,075	SH		OTR		4,075	0	0
ARTHUR J GALLAGHER & CO	Common Stock	363576109	322	3,300	SH		SOLE		3,300	0	0
AT&T INC	Common Stock	00206R102	352	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	491	3,300	SH		SOLE		3,300	0	0
BANK OF AMERICA CORP	Common Stock	060505104	376	15,836	SH		SOLE		15,836	0	0
BANK OF AMERICA CORP	Common Stock	060505104	31	1,300	SH		OTR		1,300	0	0
BAXTER INTERNATIONAL INC	Common Stock	071813109	536	6,220	SH		SOLE		6,220	0	0
BAXTER INTERNATIONAL INC	Common Stock	071813109	66	770	SH		OTR		770	0	0
BECTON DICKINSON AND CO	Common Stock	075887109	311	1,299	SH		SOLE		1,299	0	0
BERKSHIRE HATHAWAY INC	Common Stock	084670702	1,557	8,722	SH		SOLE		8,722	0	0
BERKSHIRE HATHAWAY INC	Common Stock	084670702	232	1,300	SH		OTR		1,300	0	0
BRISTOL-MYERS SQUIBB CO	Common Stock	110122108	380	6,471	SH		SOLE		6,471	0	0
BRISTOL-MYERS SQUIBB CO	Common Stock	110122108	53	900	SH		OTR		900	0	0
CANADIAN PACIFIC RAILWAY LTD	Int'l Common Stock	13645T100	485	1,900	SH		SOLE		1,900	0	0
CATERPILLAR INC	Common Stock	149123101	125	985	SH		SOLE		985	0	0
CATERPILLAR INC	Common Stock	149123101	234	1,850	SH		OTR		1,850	0	0
CHEVRON CORP	Common Stock	166764100	1,563	17,521	SH		SOLE		17,521	0	0
CHEVRON CORP	Common Stock	166764100	338	3,786	SH		OTR		3,786	0	0
CISCO SYSTEMS INC	Common Stock	17275R102	631	13,521	SH		SOLE		13,521	0	0
CISCO SYSTEMS INC	Common Stock	17275R102	261	5,605	SH		OTR		5,605	0	0
CITIGROUP INC	Common Stock	172967424	652	12,754	SH		SOLE		12,754	0	0
CITIGROUP INC	Common Stock	172967424	33	647	SH		OTR		647	0	0
CMS ENERGY CORP	Common Stock	125896100	374	6,400	SH		SOLE		6,400	0	0
COCA-COLA CO	Common Stock	191216100	595	13,314	SH		SOLE		13,314	0	0
COCA-COLA CO	Common Stock	191216100	416	9,317	SH		OTR		9,317	0	0
COGNIZANT TECHNOLOGY SOLUTIONS CORP	Common Stock	192446102	214	3,770	SH		SOLE		3,770	0	0
COGNIZANT TECHNOLOGY SOLUTIONS CORP	Common Stock	192446102	14	250	SH		OTR		250	0	0
COLGATE-PALMOLIVE CO	Common Stock	194162103	247	3,378	SH		SOLE		3,378	0	0
COLGATE-PALMOLIVE CO	Common Stock	194162103	200	2,726	SH		OTR		2,726	0	0
COMCAST CORP	Common Stock	20030N101	234	6,006	SH		SOLE		6,006	0	0
COMCAST CORP	Common Stock	20030N101	64	1,650	SH		OTR		1,650	0	0
CONOCOPHILLIPS	Common Stock	20825C104	274	6,517	SH		SOLE		6,517	0	0
COSTCO WHOLESALE CORP	Common Stock	22160K105	399	1,316	SH		SOLE		1,316	0	0
COSTCO WHOLESALE CORP	Common Stock	22160K105	16	52	SH		OTR		52	0	0
CVS HEALTH CORP	Common Stock	126650100	591	9,103	SH		SOLE		9,103	0	0
CVS HEALTH CORP	Common Stock	126650100	61	938	SH		OTR		938	0	0
DANAHER CORP	Common Stock	235851102	2,322	13,134	SH		SOLE		13,134	0	0
DANAHER CORP	Common Stock	235851102	204	1,154	SH		OTR		1,154	0	0
DEERE & CO	Common Stock	244199105	501	3,185	SH		SOLE		3,185	0	0
DEERE & CO	Common Stock	244199105	291	1,850	SH		OTR		1,850	0	0
DOMINION ENERGY INC	Common Stock	25746U109	844	10,402	SH		SOLE		10,402	0	0
DOMINION ENERGY INC	Common Stock	25746U109	183	2,260	SH		OTR		2,260	0	0
DUKE ENERGY CORP	Common Stock	26441C204	160	2,001	SH		SOLE		2,001	0	0
DUKE ENERGY CORP	Common Stock	26441C204	52	651	SH		OTR		651	0	0
ELI LILLY AND CO	Common Stock	532457108	558	3,400	SH		SOLE		3,400	0	0
EXELON CORP	Common Stock	30161N101	395	10,874	SH		SOLE		10,874	0	0
EXXON MOBIL CORP	Common Stock	30231G102	2,181	48,766	SH		SOLE		48,766	0	0
EXXON MOBIL CORP	Common Stock	30231G102	506	11,306	SH		OTR		11,306	0	0
FACEBOOK INC	Common Stock	30303M102	320	1,408	SH		SOLE		1,408	0	0
FISERV INC	Common Stock	337738108	641	6,567	SH		SOLE		6,567	0	0
FISERV INC	Common Stock	337738108	111	1,141	SH		OTR		1,141	0	0
FLEXSHARES IBOXX 3-YEAR TARGET DURATION TIPS INDEX	Fixed Income ETF	33939L506	3,706	146,613	SH		SOLE		146,613	0	0
FLEXSHARES IBOXX 3-YEAR TARGET DURATION TIPS INDEX	Fixed Income ETF	33939L506	145	5,719	SH		OTR		5,719	0	0
FLEXSHARES IBOXX 5-YEAR TARGET DURATION TIPS INDEX	Fixed Income ETF	33939L605	3,729	139,462	SH		SOLE		139,462	0	0
FLEXSHARES IBOXX 5-YEAR TARGET DURATION TIPS INDEX	Fixed Income ETF	33939L605	691	25,828	SH		OTR		25,828	0	0
FLEXSHARES QUALITY DIVIDEND INDEX FUND	Exchange Traded Fund	33939L860	13,987	331,060	SH		SOLE		331,060	0	0
FLEXSHARES QUALITY DIVIDEND INDEX FUND	Exchange Traded Fund	33939L860	836	19,791	SH		OTR		19,791	0	0
FLEXSHS MORNINGSTAR GLBL UPSTEAM NTRL RES IDX FD	Exchange Traded Fund	33939L407	4,037	146,057	SH		SOLE		146,057	0	0
FLEXSHS MORNINGSTAR GLBL UPSTEAM NTRL RES IDX FD	Exchange Traded Fund	33939L407	279	10,080	SH		OTR		10,080	0	0
FORTIVE CORP	Common Stock	34959J108	459	6,781	SH		SOLE		6,781	0	0
FORTIVE CORP	Common Stock	34959J108	27	399	SH		OTR		399	0	0
GENERAL DYNAMICS CORP	Common Stock	369550108	217	1,452	SH		SOLE		1,452	0	0
GENERAL MILLS INC	Common Stock	370334104	391	6,341	SH		SOLE		6,341	0	0
GENERAL MILLS INC	Common Stock	370334104	15	246	SH		OTR		246	0	0
HALLIBURTON CO	Common Stock	406216101	270	20,783	SH		SOLE		20,783	0	0
HALLIBURTON CO	Common Stock	406216101	38	2,964	SH		OTR		2,964	0	0
HCA HEALTHCARE INC	Common Stock	40412C101	213	2,190	SH		SOLE		2,190	0	0
HCA HEALTHCARE INC	Common Stock	40412C101	34	350	SH		OTR		350	0	0
HOME DEPOT INC	Common Stock	437076102	325	1,299	SH		SOLE		1,299	0	0
HONEYWELL INTERNATIONAL INC	Common Stock	438516106	557	3,853	SH		SOLE		3,853	0	0
INTEL CORP	Common Stock	458140100	2,216	37,037	SH		SOLE		37,037	0	0
INTEL CORP	Common Stock	458140100	218	3,650	SH		OTR		3,650	0	0
INTERCONTINENTAL EXCHANGE INC	Common Stock	45866F104	267	2,920	SH		SOLE		2,920	0	0
INTERCONTINENTAL EXCHANGE INC	Common Stock	45866F104	18	200	SH		OTR		200	0	0
ISHARES BARCLAYS 7-10 YEAR TREASURY BOND FUND	Exchange Traded Fund	464287440	468	3,839	SH		SOLE		3,839	0	0
ISHARES CORE S&P SMALL-CAP ETF	Exchange Traded Fund	464287804	1,761	25,786	SH		SOLE		25,786	0	0
ISHARES CORE S&P SMALL-CAP ETF	Exchange Traded Fund	464287804	129	1,892	SH		OTR		1,892	0	0
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ET	Fixed Income ETF	464287242	622	4,625	SH		SOLE		4,625	0	0
ISHARES LEHMAN 20 YEAR	Exchange Traded Fund	464287432	387	2,358	SH		SOLE		2,358	0	0
ISHARES MSCI EAFE ETF	International Equity ETF	464287465	466	7,660	SH		SOLE		7,660	0	0
ISHARES S&P MIDCAP 400 INDEX FUND	Exchange Traded Fund	464287507	1,262	7,098	SH		SOLE		7,098	0	0
ISHARES S&P MIDCAP 400 INDEX FUND	Exchange Traded Fund	464287507	237	1,330	SH		OTR		1,330	0	0
JOHNSON & JOHNSON	Common Stock	478160104	1,606	11,422	SH		SOLE		11,422	0	0
JOHNSON & JOHNSON	Common Stock	478160104	636	4,525	SH		OTR		4,525	0	0
JPMORGAN BETABUILDERS CANADA ETF	Exchange Traded Fund	46641Q696	317	14,021	SH		SOLE		14,021	0	0
JPMORGAN BETABUILDERS EUROPE ETF	Exchange Traded Fund	46641Q720	355	16,000	SH		SOLE		16,000	0	0
JPMORGAN BETABUILDERS JAPAN ETF	Exchange Traded Fund	46641Q712	358	15,606	SH		SOLE		15,606	0	0
JPMORGAN CHASE & CO	Common Stock	46625H100	1,829	19,448	SH		SOLE		19,448	0	0
JPMORGAN CHASE & CO	Common Stock	46625H100	82	870	SH		OTR		870	0	0
KIMBERLY-CLARK CORP	Common Stock	494368103	75	531	SH		SOLE		531	0	0
KIMBERLY-CLARK CORP	Common Stock	494368103	184	1,300	SH		OTR		1,300	0	0
LINDE PLC	Common Stock	G5494J103	291	1,372	SH		SOLE		1,372	0	0
LINDE PLC	Common Stock	G5494J103	21	100	SH		OTR		100	0	0
LOWE`S COMPANIES INC	Common Stock	548661107	1,649	12,207	SH		SOLE		12,207	0	0
LOWE`S COMPANIES INC	Common Stock	548661107	554	4,102	SH		OTR		4,102	0	0
MARSH & MCLENNAN COMPANIES INC	Common Stock	571748102	443	4,124	SH		SOLE		4,124	0	0
MARSH & MCLENNAN COMPANIES INC	Common Stock	571748102	19	180	SH		OTR		180	0	0
MASTERCARD INC	Common Stock	57636Q104	1,062	3,593	SH		SOLE		3,593	0	0
MASTERCARD INC	Common Stock	57636Q104	89	300	SH		OTR		300	0	0
MCDONALD'S CORP	Common Stock	580135101	1,395	7,563	SH		SOLE		7,563	0	0
MCDONALD'S CORP	Common Stock	580135101	103	558	SH		OTR		558	0	0
MEDTRONIC PLC	Int'l Common Stock	G5960L103	617	6,727	SH		SOLE		6,727	0	0
MERCK & CO INC	Common Stock	58933Y105	628	8,120	SH		SOLE		8,120	0	0
MERCK & CO INC	Common Stock	58933Y105	192	2,488	SH		OTR		2,488	0	0
MICROSOFT CORP	Common Stock	594918104	5,331	26,193	SH		SOLE		26,193	0	0
MICROSOFT CORP	Common Stock	594918104	61	300	SH		OTR		300	0	0
MONDELEZ INTERNATIONAL INC	Common Stock	609207105	268	5,240	SH		SOLE		5,240	0	0
NEXTERA ENERGY INC	Common Stock	65339F101	865	3,600	SH		SOLE		3,600	0	0
NEXTERA ENERGY INC	Common Stock	65339F101	382	1,590	SH		OTR		1,590	0	0
NIKE INC	Common Stock	654106103	1,797	18,324	SH		SOLE		18,324	0	0
NORFOLK SOUTHERN CORP	Common Stock	655844108	748	4,258	SH		SOLE		4,258	0	0
NORFOLK SOUTHERN CORP	Common Stock	655844108	35	200	SH		OTR		200	0	0
ORACLE CORP	Common Stock	68389X105	462	8,355	SH		SOLE		8,355	0	0
ORACLE CORP	Common Stock	68389X105	40	720	SH		OTR		720	0	0
PEPSICO INC	Common Stock	713448108	1,341	10,139	SH		SOLE		10,139	0	0
PEPSICO INC	Common Stock	713448108	683	5,163	SH		OTR		5,163	0	0
PFIZER INC	Common Stock	717081103	1,169	35,740	SH		SOLE		35,740	0	0
PFIZER INC	Common Stock	717081103	222	6,800	SH		OTR		6,800	0	0
PHILIP MORRIS INTERNATIONAL INC	Common Stock	718172109	427	6,099	SH		SOLE		6,099	0	0
PHILIP MORRIS INTERNATIONAL INC	Common Stock	718172109	26	373	SH		OTR		373	0	0
PROCTER & GAMBLE CO	Common Stock	742718109	1,736	14,517	SH		SOLE		14,517	0	0
PROCTER & GAMBLE CO	Common Stock	742718109	531	4,438	SH		OTR		4,438	0	0
RAYTHEON TECHNOLOGIES CORP	Common Stock	75513E101	512	8,303	SH		SOLE		8,303	0	0
RAYTHEON TECHNOLOGIES CORP	Common Stock	75513E101	42	675	SH		OTR		675	0	0
SABINE ROYALTY TRUST	Common Stock	785688102	680	24,524	SH		SOLE		24,524	0	0
SALESFORCE.COM INC	Common Stock	79466L302	1,721	9,185	SH		SOLE		9,185	0	0
SALESFORCE.COM INC	Common Stock	79466L302	53	284	SH		OTR		284	0	0
SCHLUMBERGER NV	Int'l Common Stock	806857108	215	11,693	SH		SOLE		11,693	0	0
SCHLUMBERGER NV	Int'l Common Stock	806857108	17	914	SH		OTR		914	0	0
SPDR S&P 500 ETF TRUST	Exchange Traded Fund	78462F103	2,284	7,406	SH		SOLE		7,406	0	0
STARBUCKS CORP	Common Stock	855244109	1,293	17,567	SH		SOLE		17,567	0	0
STARBUCKS CORP	Common Stock	855244109	65	880	SH		OTR		880	0	0
U.S. BANCORP	Common Stock	902973304	534	14,498	SH		SOLE		14,498	0	0
U.S. BANCORP	Common Stock	902973304	32	867	SH		OTR		867	0	0
UNITED PARCEL SERVICE INC	Common Stock	911312106	422	3,792	SH		SOLE		3,792	0	0
UNITED PARCEL SERVICE INC	Common Stock	911312106	89	800	SH		OTR		800	0	0
UNITEDHEALTH GROUP INC	Common Stock	91324P102	260	881	SH		SOLE		881	0	0
UNITEDHEALTH GROUP INC	Common Stock	91324P102	32	110	SH		OTR		110	0	0
VANGUARD HIGH DIVIDEND YIELD INDEX FUND	Exchange Traded Fund	921946406	1,463	18,565	SH		SOLE		18,565	0	0
VANGUARD HIGH DIVIDEND YIELD INDEX FUND	Exchange Traded Fund	921946406	721	9,154	SH		OTR		9,154	0	0
VANGUARD REAL ESTATE INDEX FUND	Exchange Traded Fund	922908553	208	2,653	SH		SOLE		2,653	0	0
VANGUARD VALUE INDEX FUND	Exchange Traded Fund	922908744	225	2,264	SH		SOLE		2,264	0	0
VERIZON COMMUNICATIONS INC	Common Stock	92343V104	1,117	20,254	SH		SOLE		20,254	0	0
VERIZON COMMUNICATIONS INC	Common Stock	92343V104	157	2,839	SH		OTR		2,839	0	0
WASTE MANAGEMENT INC	Common Stock	94106L109	519	4,900	SH		SOLE		4,900	0	0
ZIMMER BIOMET HOLDINGS INC	Common Stock	98956P102	221	1,848	SH		SOLE		1,848	0	0
ZIMMER BIOMET HOLDINGS INC	Common Stock	98956P102	14	120	SH		OTR		120	0	0
ZOETIS INC	Common Stock	98978V103	375	2,735	SH		SOLE		2,735	0	0