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
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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
3M CO	Common Stock	88579Y101	1,011	5,246	SH		SOLE		5,246	0	0
3M CO	Common Stock	88579Y101	716	3,717	SH		OTR		3,717	0	0
ABBOTT LABORATORIES	Common Stock	002824100	2,516	20,993	SH		SOLE		20,993	0	0
ABBOTT LABORATORIES	Common Stock	002824100	240	2,000	SH		OTR		2,000	0	0
ABBVIE INC	Common Stock	00287Y109	1,265	11,691	SH		SOLE		11,691	0	0
ABBVIE INC	Common Stock	00287Y109	76	701	SH		OTR		701	0	0
ACCENTURE PLC	Int'l Common Stock	G1151C101	939	3,399	SH		SOLE		3,399	0	0
ACCENTURE PLC	Int'l Common Stock	G1151C101	175	633	SH		OTR		633	0	0
AFLAC INC	Common Stock	001055102	737	14,400	SH		SOLE		14,400	0	0
AFLAC INC	Common Stock	001055102	134	2,618	SH		OTR		2,618	0	0
ALPHABET INC	Common Stock	02079K107	2,528	1,222	SH		SOLE		1,222	0	0
ALPHABET INC	Common Stock	02079K107	391	189	SH		OTR		189	0	0
ALPHABET INC	Common Stock	02079K305	1,611	781	SH		SOLE		781	0	0
ALPHABET INC	Common Stock	02079K305	194	94	SH		OTR		94	0	0
ALTRIA GROUP INC	Common Stock	02209S103	816	15,951	SH		SOLE		15,951	0	0
AMAZON.COM INC	Common Stock	023135106	1,414	457	SH		SOLE		457	0	0
AMAZON.COM INC	Common Stock	023135106	130	42	SH		OTR		42	0	0
AMERICAN EXPRESS CO	Common Stock	025816109	442	3,123	SH		SOLE		3,123	0	0
AMERICAN EXPRESS CO	Common Stock	025816109	116	820	SH		OTR		820	0	0
AMERICAN TOWER CORP	Common Stock	03027X100	239	1,001	SH		SOLE		1,001	0	0
AMERICAN WATER WORKS COMPANY INC	Common Stock	030420103	739	4,928	SH		SOLE		4,928	0	0
AMERICAN WATER WORKS COMPANY INC	Common Stock	030420103	15	100	SH		OTR		100	0	0
AMGEN INC	Common Stock	031162100	1,174	4,719	SH		SOLE		4,719	0	0
APPLE INC	Common Stock	037833100	7,588	62,118	SH		SOLE		62,118	0	0
APPLE INC	Common Stock	037833100	656	5,372	SH		OTR		5,372	0	0
APPLIED MATERIALS INC	Common Stock	038222105	35	262	SH		SOLE		262	0	0
APPLIED MATERIALS INC	Common Stock	038222105	531	3,975	SH		OTR		3,975	0	0
ARTHUR J GALLAGHER & CO	Common Stock	363576109	412	3,300	SH		SOLE		3,300	0	0
AT&T INC	Common Stock	00206R102	346	11,431	SH		SOLE		11,431	0	0
AUTOMATIC DATA PROCESSING INC	Common Stock	053015103	622	3,300	SH		SOLE		3,300	0	0
BANK OF AMERICA CORP	Common Stock	060505104	419	10,836	SH		SOLE		10,836	0	0
BANK OF AMERICA CORP	Common Stock	060505104	46	1,200	SH		OTR		1,200	0	0
BAXTER INTERNATIONAL INC	Common Stock	071813109	525	6,220	SH		SOLE		6,220	0	0
BAXTER INTERNATIONAL INC	Common Stock	071813109	65	770	SH		OTR		770	0	0
BECTON DICKINSON AND CO	Common Stock	075887109	316	1,299	SH		SOLE		1,299	0	0
BERKSHIRE HATHAWAY INC	Common Stock	084670702	2,114	8,275	SH		SOLE		8,275	0	0
BERKSHIRE HATHAWAY INC	Common Stock	084670702	332	1,300	SH		OTR		1,300	0	0
BLACKROCK INC	Common Stock	09247X101	412	546	SH		SOLE		546	0	0
BLACKROCK INC	Common Stock	09247X101	34	45	SH		OTR		45	0	0
BOEING CO	Common Stock	097023105	294	1,156	SH		SOLE		1,156	0	0
BRISTOL-MYERS SQUIBB CO	Common Stock	110122108	415	6,571	SH		SOLE		6,571	0	0
BRISTOL-MYERS SQUIBB CO	Common Stock	110122108	57	900	SH		OTR		900	0	0
CANADIAN PACIFIC RAILWAY LTD	Int'l Common Stock	13645T100	740	1,950	SH		SOLE		1,950	0	0
CATERPILLAR INC	Common Stock	149123101	228	985	SH		SOLE		985	0	0
CATERPILLAR INC	Common Stock	149123101	429	1,850	SH		OTR		1,850	0	0
CHEVRON CORP	Common Stock	166764100	1,750	16,702	SH		SOLE		16,702	0	0
CHEVRON CORP	Common Stock	166764100	381	3,636	SH		OTR		3,636	0	0
CISCO SYSTEMS INC	Common Stock	17275R102	699	13,521	SH		SOLE		13,521	0	0
CISCO SYSTEMS INC	Common Stock	17275R102	290	5,605	SH		OTR		5,605	0	0
CITIGROUP INC	Common Stock	172967424	633	8,706	SH		SOLE		8,706	0	0
CITIGROUP INC	Common Stock	172967424	47	647	SH		OTR		647	0	0
CME GROUP INC	Common Stock	12572Q105	212	1,040	SH		SOLE		1,040	0	0
CMS ENERGY CORP	Common Stock	125896100	239	3,900	SH		SOLE		3,900	0	0
COCA-COLA CO	Common Stock	191216100	696	13,210	SH		SOLE		13,210	0	0
COCA-COLA CO	Common Stock	191216100	491	9,317	SH		OTR		9,317	0	0
COGNIZANT TECHNOLOGY SOLUTIONS CORP	Common Stock	192446102	388	4,965	SH		SOLE		4,965	0	0
COGNIZANT TECHNOLOGY SOLUTIONS CORP	Common Stock	192446102	20	250	SH		OTR		250	0	0
COLGATE-PALMOLIVE CO	Common Stock	194162103	266	3,378	SH		SOLE		3,378	0	0
COLGATE-PALMOLIVE CO	Common Stock	194162103	215	2,726	SH		OTR		2,726	0	0
COMCAST CORP	Common Stock	20030N101	390	7,206	SH		SOLE		7,206	0	0
COMCAST CORP	Common Stock	20030N101	89	1,650	SH		OTR		1,650	0	0
CONOCOPHILLIPS	Common Stock	20825C104	298	5,618	SH		SOLE		5,618	0	0
COSTCO WHOLESALE CORP	Common Stock	22160K105	506	1,436	SH		SOLE		1,436	0	0
COSTCO WHOLESALE CORP	Common Stock	22160K105	18	52	SH		OTR		52	0	0
CVS HEALTH CORP	Common Stock	126650100	668	8,873	SH		SOLE		8,873	0	0
CVS HEALTH CORP	Common Stock	126650100	78	1,038	SH		OTR		1,038	0	0
DANAHER CORP	Common Stock	235851102	2,714	12,060	SH		SOLE		12,060	0	0
DANAHER CORP	Common Stock	235851102	260	1,154	SH		OTR		1,154	0	0
DEERE & CO	Common Stock	244199105	1,117	2,985	SH		SOLE		2,985	0	0
DEERE & CO	Common Stock	244199105	673	1,800	SH		OTR		1,800	0	0
DOMINION ENERGY INC	Common Stock	25746U109	767	10,102	SH		SOLE		10,102	0	0
DOMINION ENERGY INC	Common Stock	25746U109	172	2,260	SH		OTR		2,260	0	0
DUKE ENERGY CORP	Common Stock	26441C204	193	2,001	SH		SOLE		2,001	0	0
DUKE ENERGY CORP	Common Stock	26441C204	48	500	SH		OTR		500	0	0
ELI LILLY AND CO	Common Stock	532457108	635	3,400	SH		SOLE		3,400	0	0
EXELON CORP	Common Stock	30161N101	457	10,454	SH		SOLE		10,454	0	0
EXXON MOBIL CORP	Common Stock	30231G102	2,330	41,739	SH		SOLE		41,739	0	0
EXXON MOBIL CORP	Common Stock	30231G102	626	11,206	SH		OTR		11,206	0	0
FACEBOOK INC	Common Stock	30303M102	415	1,408	SH		SOLE		1,408	0	0
FISERV INC	Common Stock	337738108	710	5,967	SH		SOLE		5,967	0	0
FISERV INC	Common Stock	337738108	136	1,141	SH		OTR		1,141	0	0
FLEXSHARES IBOXX 3-YEAR TARGET DURATION TIPS INDEX	Fixed Income ETF	33939L506	4,274	162,071	SH		SOLE		162,071	0	0
FLEXSHARES IBOXX 3-YEAR TARGET DURATION TIPS INDEX	Fixed Income ETF	33939L506	119	4,519	SH		OTR		4,519	0	0
FLEXSHARES IBOXX 5-YEAR TARGET DURATION TIPS INDEX	Fixed Income ETF	33939L605	3,850	139,090	SH		SOLE		139,090	0	0
FLEXSHARES IBOXX 5-YEAR TARGET DURATION TIPS INDEX	Fixed Income ETF	33939L605	539	19,469	SH		OTR		19,469	0	0
FLEXSHARES QUALITY DIVIDEND INDEX FUND	Exchange Traded Fund	33939L860	19,150	359,291	SH		SOLE		359,291	0	0
FLEXSHARES QUALITY DIVIDEND INDEX FUND	Exchange Traded Fund	33939L860	1,007	18,886	SH		OTR		18,886	0	0
FLEXSHS MORNINGSTAR GLBL UPSTEAM NTRL RES IDX FD	Exchange Traded Fund	33939L407	5,990	165,508	SH		SOLE		165,508	0	0
FLEXSHS MORNINGSTAR GLBL UPSTEAM NTRL RES IDX FD	Exchange Traded Fund	33939L407	354	9,792	SH		OTR		9,792	0	0
FORTIVE CORP	Common Stock	34959J108	475	6,731	SH		SOLE		6,731	0	0
FORTIVE CORP	Common Stock	34959J108	28	399	SH		OTR		399	0	0
GENERAL DYNAMICS CORP	Common Stock	369550108	264	1,452	SH		SOLE		1,452	0	0
GENERAL MILLS INC	Common Stock	370334104	389	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	398	18,550	SH		SOLE		18,550	0	0
HALLIBURTON CO	Common Stock	406216101	78	3,639	SH		OTR		3,639	0	0
HCA HEALTHCARE INC	Common Stock	40412C101	412	2,190	SH		SOLE		2,190	0	0
HCA HEALTHCARE INC	Common Stock	40412C101	66	350	SH		OTR		350	0	0
HOME DEPOT INC	Common Stock	437076102	400	1,309	SH		SOLE		1,309	0	0
HONEYWELL INTERNATIONAL INC	Common Stock	438516106	861	3,968	SH		SOLE		3,968	0	0
IAC/INTERACTIVECORP	Common Stock	44891N109	324	1,500	SH		SOLE		1,500	0	0
INTEL CORP	Common Stock	458140100	2,345	36,637	SH		SOLE		36,637	0	0
INTEL CORP	Common Stock	458140100	221	3,450	SH		OTR		3,450	0	0
INTERCONTINENTAL EXCHANGE INC	Common Stock	45866F104	399	3,570	SH		SOLE		3,570	0	0
INTERCONTINENTAL EXCHANGE INC	Common Stock	45866F104	22	200	SH		OTR		200	0	0
ISHARES CORE S&P SMALL-CAP ETF	Exchange Traded Fund	464287804	2,714	25,011	SH		SOLE		25,011	0	0
ISHARES CORE S&P SMALL-CAP ETF	Exchange Traded Fund	464287804	159	1,464	SH		OTR		1,464	0	0
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ET	Fixed Income ETF	464287242	601	4,625	SH		SOLE		4,625	0	0
ISHARES MSCI EAFE ETF	International Equity ETF	464287465	612	8,069	SH		SOLE		8,069	0	0
ISHARES S&P MIDCAP 400 INDEX FUND	Exchange Traded Fund	464287507	1,623	6,235	SH		SOLE		6,235	0	0
ISHARES S&P MIDCAP 400 INDEX FUND	Exchange Traded Fund	464287507	307	1,180	SH		OTR		1,180	0	0
JOHNSON & JOHNSON	Common Stock	478160104	1,729	10,521	SH		SOLE		10,521	0	0
JOHNSON & JOHNSON	Common Stock	478160104	744	4,525	SH		OTR		4,525	0	0
JPMORGAN CHASE & CO	Common Stock	46625H100	2,869	18,849	SH		SOLE		18,849	0	0
JPMORGAN CHASE & CO	Common Stock	46625H100	148	970	SH		OTR		970	0	0
KIMBERLY-CLARK CORP	Common Stock	494368103	46	331	SH		SOLE		331	0	0
KIMBERLY-CLARK CORP	Common Stock	494368103	181	1,300	SH		OTR		1,300	0	0
LABORATORY CORPORATION OF AMERICA HOLDINGS	Common Stock	50540R409	255	1,000	SH		SOLE		1,000	0	0
LINDE PLC	Int'l Common Stock	G5494J103	384	1,372	SH		SOLE		1,372	0	0
LINDE PLC	Int'l Common Stock	G5494J103	28	100	SH		OTR		100	0	0
LOWE'S COMPANIES INC	Common Stock	548661107	2,185	11,489	SH		SOLE		11,489	0	0
LOWE'S COMPANIES INC	Common Stock	548661107	780	4,102	SH		OTR		4,102	0	0
MARSH & MCLENNAN COMPANIES INC	Common Stock	571748102	502	4,124	SH		SOLE		4,124	0	0
MARSH & MCLENNAN COMPANIES INC	Common Stock	571748102	22	180	SH		OTR		180	0	0
MASTERCARD INC	Common Stock	57636Q104	1,285	3,608	SH		SOLE		3,608	0	0
MASTERCARD INC	Common Stock	57636Q104	107	300	SH		OTR		300	0	0
MATCH GROUP INC	Common Stock	57667L107	280	2,037	SH		SOLE		2,037	0	0
MCDONALD'S CORP	Common Stock	580135101	1,679	7,493	SH		SOLE		7,493	0	0
MCDONALD'S CORP	Common Stock	580135101	125	558	SH		OTR		558	0	0
MEDTRONIC PLC	Int'l Common Stock	G5960L103	784	6,635	SH		SOLE		6,635	0	0
MERCK & CO INC	Common Stock	58933Y105	682	8,851	SH		SOLE		8,851	0	0
MERCK & CO INC	Common Stock	58933Y105	192	2,488	SH		OTR		2,488	0	0
MICROSOFT CORP	Common Stock	594918104	6,140	26,042	SH		SOLE		26,042	0	0
MICROSOFT CORP	Common Stock	594918104	83	350	SH		OTR		350	0	0
MONDELEZ INTERNATIONAL INC	Common Stock	609207105	293	5,013	SH		SOLE		5,013	0	0
NEXTERA ENERGY INC	Common Stock	65339F101	992	13,124	SH		SOLE		13,124	0	0
NEXTERA ENERGY INC	Common Stock	65339F101	481	6,360	SH		OTR		6,360	0	0
NIKE INC	Common Stock	654106103	2,321	17,464	SH		SOLE		17,464	0	0
NORFOLK SOUTHERN CORP	Common Stock	655844108	1,133	4,218	SH		SOLE		4,218	0	0
NORFOLK SOUTHERN CORP	Common Stock	655844108	54	200	SH		OTR		200	0	0
NUCOR CORP	Common Stock	670346105	246	3,061	SH		SOLE		3,061	0	0
NUCOR CORP	Common Stock	670346105	102	1,267	SH		OTR		1,267	0	0
ORACLE CORP	Common Stock	68389X105	586	8,355	SH		SOLE		8,355	0	0
ORACLE CORP	Common Stock	68389X105	51	720	SH		OTR		720	0	0
PAYPAL HOLDINGS INC	Common Stock	70450Y103	206	850	SH		SOLE		850	0	0
PAYPAL HOLDINGS INC	Common Stock	70450Y103	36	150	SH		OTR		150	0	0
PEPSICO INC	Common Stock	713448108	1,406	9,939	SH		SOLE		9,939	0	0
PEPSICO INC	Common Stock	713448108	730	5,163	SH		OTR		5,163	0	0
PFIZER INC	Common Stock	717081103	1,327	36,622	SH		SOLE		36,622	0	0
PFIZER INC	Common Stock	717081103	250	6,900	SH		OTR		6,900	0	0
PHILIP MORRIS INTERNATIONAL INC	Common Stock	718172109	550	6,199	SH		SOLE		6,199	0	0
PHILIP MORRIS INTERNATIONAL INC	Common Stock	718172109	17	190	SH		OTR		190	0	0
PROCTER & GAMBLE CO	Common Stock	742718109	1,743	12,867	SH		SOLE		12,867	0	0
PROCTER & GAMBLE CO	Common Stock	742718109	601	4,438	SH		OTR		4,438	0	0
RAYTHEON TECHNOLOGIES CORP	Common Stock	75513E101	642	8,303	SH		SOLE		8,303	0	0
RAYTHEON TECHNOLOGIES CORP	Common Stock	75513E101	52	675	SH		OTR		675	0	0
S&P GLOBAL INC	Common Stock	78409V104	204	578	SH		SOLE		578	0	0
SABINE ROYALTY TRUST	Common Stock	785688102	745	24,524	SH		SOLE		24,524	0	0
SALESFORCE.COM INC	Common Stock	79466L302	1,850	8,734	SH		SOLE		8,734	0	0
SALESFORCE.COM INC	Common Stock	79466L302	60	284	SH		OTR		284	0	0
SCHLUMBERGER NV	Int'l Common Stock	806857108	281	10,330	SH		SOLE		10,330	0	0
SCHLUMBERGER NV	Int'l Common Stock	806857108	2	64	SH		OTR		64	0	0
SPDR S&P 500 ETF TRUST	Exchange Traded Fund	78462F103	3,372	8,508	SH		SOLE		8,508	0	0
STARBUCKS CORP	Common Stock	855244109	2,015	18,437	SH		SOLE		18,437	0	0
STARBUCKS CORP	Common Stock	855244109	85	780	SH		OTR		780	0	0
TARGET CORP	Common Stock	87612E106	253	1,275	SH		SOLE		1,275	0	0
U.S. BANCORP	Common Stock	902973304	802	14,498	SH		SOLE		14,498	0	0
U.S. BANCORP	Common Stock	902973304	48	867	SH		OTR		867	0	0
UNION PACIFIC CORP	Common Stock	907818108	278	1,260	SH		SOLE		1,260	0	0
UNITED PARCEL SERVICE INC	Common Stock	911312106	645	3,792	SH		SOLE		3,792	0	0
UNITED PARCEL SERVICE INC	Common Stock	911312106	127	750	SH		OTR		750	0	0
UNITEDHEALTH GROUP INC	Common Stock	91324P102	205	550	SH		SOLE		550	0	0
UNITEDHEALTH GROUP INC	Common Stock	91324P102	41	110	SH		OTR		110	0	0
VANGUARD HIGH DIVIDEND YIELD INDEX FUND	Exchange Traded Fund	921946406	1,523	15,069	SH		SOLE		15,069	0	0
VANGUARD HIGH DIVIDEND YIELD INDEX FUND	Exchange Traded Fund	921946406	925	9,154	SH		OTR		9,154	0	0
VANGUARD REAL ESTATE INDEX FUND	Exchange Traded Fund	922908553	244	2,653	SH		SOLE		2,653	0	0
VANGUARD VALUE INDEX FUND	Exchange Traded Fund	922908744	298	2,264	SH		SOLE		2,264	0	0
VERIZON COMMUNICATIONS INC	Common Stock	92343V104	1,121	19,285	SH		SOLE		19,285	0	0
VERIZON COMMUNICATIONS INC	Common Stock	92343V104	165	2,839	SH		OTR		2,839	0	0
VISA INC	Common Stock	92826C839	178	840	SH		SOLE		840	0	0
VISA INC	Common Stock	92826C839	27	126	SH		OTR		126	0	0
WALT DISNEY CO	Common Stock	254687106	168	911	SH		SOLE		911	0	0
WALT DISNEY CO	Common Stock	254687106	37	200	SH		OTR		200	0	0
WASTE MANAGEMENT INC	Common Stock	94106L109	632	4,900	SH		SOLE		4,900	0	0
ZIMMER BIOMET HOLDINGS INC	Common Stock	98956P102	318	1,988	SH		SOLE		1,988	0	0
ZIMMER BIOMET HOLDINGS INC	Common Stock	98956P102	19	120	SH		OTR		120	0	0
ZOETIS INC	Common Stock	98978V103	295	1,875	SH		SOLE		1,875	0	0