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	1,166	6,646	SH		SOLE		6,646	0	0
3M CO	Common Stock	88579Y101	389	2,217	SH		OTR		2,217	0	0
ABBOTT LABORATORIES	Common Stock	002824100	2,493	21,104	SH		SOLE		21,104	0	0
ABBOTT LABORATORIES	Common Stock	002824100	236	2,000	SH		OTR		2,000	0	0
ABBVIE INC	Common Stock	00287Y109	1,302	12,070	SH		SOLE		12,070	0	0
ABBVIE INC	Common Stock	00287Y109	76	701	SH		OTR		701	0	0
ACCENTURE PLC	Int'l Common Stock	G1151C101	997	3,116	SH		SOLE		3,116	0	0
ACCENTURE PLC	Int'l Common Stock	G1151C101	203	633	SH		OTR		633	0	0
ADOBE INC	Common Stock	00724F101	196	340	SH		SOLE		340	0	0
ADOBE INC	Common Stock	00724F101	39	68	SH		OTR		68	0	0
AFLAC INC	Common Stock	001055102	719	13,801	SH		SOLE		13,801	0	0
AFLAC INC	Common Stock	001055102	136	2,618	SH		OTR		2,618	0	0
ALPHABET INC	Common Stock	02079K107	3,540	1,328	SH		SOLE		1,328	0	0
ALPHABET INC	Common Stock	02079K107	504	189	SH		OTR		189	0	0
ALPHABET INC	Common Stock	02079K305	2,342	876	SH		SOLE		876	0	0
ALPHABET INC	Common Stock	02079K305	251	94	SH		OTR		94	0	0
ALTRIA GROUP INC	Common Stock	02209S103	729	16,014	SH		SOLE		16,014	0	0
AMAZON.COM INC	Common Stock	023135106	1,817	553	SH		SOLE		553	0	0
AMAZON.COM INC	Common Stock	023135106	138	42	SH		OTR		42	0	0
AMERICAN EXPRESS CO	Common Stock	025816109	475	2,833	SH		SOLE		2,833	0	0
AMERICAN EXPRESS CO	Common Stock	025816109	137	820	SH		OTR		820	0	0
AMERICAN TOWER CORP	Common Stock	03027X100	274	1,033	SH		SOLE		1,033	0	0
AMERICAN WATER WORKS COMPANY INC	Common Stock	030420103	826	4,888	SH		SOLE		4,888	0	0
AMERICAN WATER WORKS COMPANY INC	Common Stock	030420103	17	100	SH		OTR		100	0	0
AMGEN INC	Common Stock	031162100	1,032	4,854	SH		SOLE		4,854	0	0
APPLE INC	Common Stock	037833100	9,150	64,664	SH		SOLE		64,664	0	0
APPLE INC	Common Stock	037833100	760	5,372	SH		OTR		5,372	0	0
APPLIED MATERIALS INC	Common Stock	038222105	34	262	SH		SOLE		262	0	0
APPLIED MATERIALS INC	Common Stock	038222105	499	3,875	SH		OTR		3,875	0	0
ARTHUR J GALLAGHER & CO	Common Stock	363576109	491	3,300	SH		SOLE		3,300	0	0
AT&T INC	Common Stock	00206R102	354	13,124	SH		SOLE		13,124	0	0
AUTOMATIC DATA PROCESSING INC	Common Stock	053015103	662	3,310	SH		SOLE		3,310	0	0
BANK OF AMERICA CORP	Common Stock	060505104	449	10,581	SH		SOLE		10,581	0	0
BANK OF AMERICA CORP	Common Stock	060505104	51	1,200	SH		OTR		1,200	0	0
BAXTER INTERNATIONAL INC	Common Stock	071813109	500	6,220	SH		SOLE		6,220	0	0
BAXTER INTERNATIONAL INC	Common Stock	071813109	44	550	SH		OTR		550	0	0
BECTON DICKINSON AND CO	Common Stock	075887109	319	1,299	SH		SOLE		1,299	0	0
BERKSHIRE HATHAWAY INC	Common Stock	084670702	2,133	7,815	SH		SOLE		7,815	0	0
BERKSHIRE HATHAWAY INC	Common Stock	084670702	355	1,300	SH		OTR		1,300	0	0
BLACKROCK INC	Common Stock	09247X101	694	828	SH		SOLE		828	0	0
BLACKROCK INC	Common Stock	09247X101	38	45	SH		OTR		45	0	0
BOEING CO	Common Stock	097023105	303	1,378	SH		SOLE		1,378	0	0
BOOKING HOLDINGS INC	Common Stock	09857L108	207	87	SH		SOLE		87	0	0
BRISTOL-MYERS SQUIBB CO	Common Stock	110122108	389	6,571	SH		SOLE		6,571	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	638	9,805	SH		SOLE		9,805	0	0
CATERPILLAR INC	Common Stock	149123101	189	985	SH		SOLE		985	0	0
CATERPILLAR INC	Common Stock	149123101	355	1,850	SH		OTR		1,850	0	0
CDW CORP	Common Stock	12514G108	211	1,160	SH		SOLE		1,160	0	0
CHEVRON CORP	Common Stock	166764100	2,011	19,823	SH		SOLE		19,823	0	0
CHEVRON CORP	Common Stock	166764100	369	3,636	SH		OTR		3,636	0	0
CISCO SYSTEMS INC	Common Stock	17275R102	823	15,115	SH		SOLE		15,115	0	0
CISCO SYSTEMS INC	Common Stock	17275R102	281	5,155	SH		OTR		5,155	0	0
CITIGROUP INC	Common Stock	172967424	714	10,180	SH		SOLE		10,180	0	0
CITIGROUP INC	Common Stock	172967424	45	647	SH		OTR		647	0	0
CME GROUP INC	Common Stock	12572Q105	201	1,040	SH		SOLE		1,040	0	0
CMS ENERGY CORP	Common Stock	125896100	203	3,400	SH		SOLE		3,400	0	0
COCA-COLA CO	Common Stock	191216100	1,037	19,769	SH		SOLE		19,769	0	0
COCA-COLA CO	Common Stock	191216100	143	2,717	SH		OTR		2,717	0	0
COGNIZANT TECHNOLOGY SOLUTIONS CORP	Common Stock	192446102	423	5,696	SH		SOLE		5,696	0	0
COGNIZANT TECHNOLOGY SOLUTIONS CORP	Common Stock	192446102	19	250	SH		OTR		250	0	0
COLGATE-PALMOLIVE CO	Common Stock	194162103	245	3,244	SH		SOLE		3,244	0	0
COLGATE-PALMOLIVE CO	Common Stock	194162103	206	2,726	SH		OTR		2,726	0	0
COMCAST CORP	Common Stock	20030N101	414	7,407	SH		SOLE		7,407	0	0
COMCAST CORP	Common Stock	20030N101	92	1,650	SH		OTR		1,650	0	0
CONOCOPHILLIPS	Common Stock	20825C104	394	5,818	SH		SOLE		5,818	0	0
COSTCO WHOLESALE CORP	Common Stock	22160K105	785	1,746	SH		SOLE		1,746	0	0
COSTCO WHOLESALE CORP	Common Stock	22160K105	23	52	SH		OTR		52	0	0
CVS HEALTH CORP	Common Stock	126650100	796	9,382	SH		SOLE		9,382	0	0
CVS HEALTH CORP	Common Stock	126650100	88	1,038	SH		OTR		1,038	0	0
DANAHER CORP	Common Stock	235851102	3,401	11,172	SH		SOLE		11,172	0	0
DANAHER CORP	Common Stock	235851102	351	1,154	SH		OTR		1,154	0	0
DEERE & CO	Common Stock	244199105	950	2,835	SH		SOLE		2,835	0	0
DEERE & CO	Common Stock	244199105	586	1,750	SH		OTR		1,750	0	0
DOMINION ENERGY INC	Common Stock	25746U109	562	7,702	SH		SOLE		7,702	0	0
DOMINION ENERGY INC	Common Stock	25746U109	165	2,260	SH		OTR		2,260	0	0
DUKE ENERGY CORP	Common Stock	26441C204	201	2,056	SH		SOLE		2,056	0	0
DUKE ENERGY CORP	Common Stock	26441C204	49	500	SH		OTR		500	0	0
EATON CORPORATION PLC	Int'l Common Stock	G29183103	284	1,902	SH		SOLE		1,902	0	0
ELI LILLY AND CO	Common Stock	532457108	819	3,546	SH		SOLE		3,546	0	0
EXELON CORP	Common Stock	30161N101	478	9,897	SH		SOLE		9,897	0	0
EXXON MOBIL CORP	Common Stock	30231G102	2,423	41,191	SH		SOLE		41,191	0	0
EXXON MOBIL CORP	Common Stock	30231G102	603	10,246	SH		OTR		10,246	0	0
FACEBOOK INC	Common Stock	30303M102	562	1,656	SH		SOLE		1,656	0	0
FISERV INC	Common Stock	337738108	650	5,989	SH		SOLE		5,989	0	0
FISERV INC	Common Stock	337738108	124	1,141	SH		OTR		1,141	0	0
FLEXSHARES IBOXX 3-YEAR TARGET DURATION TIPS INDEX	Fixed Income ETF	33939L506	4,768	181,241	SH		SOLE		181,241	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	4,682	167,594	SH		SOLE		167,594	0	0
FLEXSHARES IBOXX 5-YEAR TARGET DURATION TIPS INDEX	Fixed Income ETF	33939L605	125	4,461	SH		OTR		4,461	0	0
FLEXSHARES QUALITY DIVIDEND INDEX FUND	Exchange Traded Fund	33939L860	20,789	373,570	SH		SOLE		373,570	0	0
FLEXSHARES QUALITY DIVIDEND INDEX FUND	Exchange Traded Fund	33939L860	1,051	18,886	SH		OTR		18,886	0	0
FLEXSHS MORNINGSTAR GLBL UPSTEAM NTRL RES IDX FD	Exchange Traded Fund	33939L407	6,800	185,802	SH		SOLE		185,802	0	0
FLEXSHS MORNINGSTAR GLBL UPSTEAM NTRL RES IDX FD	Exchange Traded Fund	33939L407	358	9,792	SH		OTR		9,792	0	0
FORTIVE CORP	Common Stock	34959J108	430	6,098	SH		SOLE		6,098	0	0
FORTIVE CORP	Common Stock	34959J108	28	399	SH		OTR		399	0	0
GENERAL DYNAMICS CORP	Common Stock	369550108	286	1,461	SH		SOLE		1,461	0	0
GENERAL MILLS INC	Common Stock	370334104	340	5,691	SH		SOLE		5,691	0	0
GENERAL MILLS INC	Common Stock	370334104	15	246	SH		OTR		246	0	0
HALLIBURTON CO	Common Stock	406216101	379	17,550	SH		SOLE		17,550	0	0
HALLIBURTON CO	Common Stock	406216101	79	3,639	SH		OTR		3,639	0	0
HCA HEALTHCARE INC	Common Stock	40412C101	532	2,190	SH		SOLE		2,190	0	0
HCA HEALTHCARE INC	Common Stock	40412C101	73	300	SH		OTR		300	0	0
HOME DEPOT INC	Common Stock	437076102	431	1,312	SH		SOLE		1,312	0	0
HONEYWELL INTERNATIONAL INC	Common Stock	438516106	846	3,985	SH		SOLE		3,985	0	0
INTEL CORP	Common Stock	458140100	1,947	36,551	SH		SOLE		36,551	0	0
INTEL CORP	Common Stock	458140100	184	3,450	SH		OTR		3,450	0	0
INTERCONTINENTAL EXCHANGE INC	Common Stock	45866F104	496	4,321	SH		SOLE		4,321	0	0
INTERCONTINENTAL EXCHANGE INC	Common Stock	45866F104	23	200	SH		OTR		200	0	0
INVESCO OPTIMUM YLD DVSFD CMD STR NO K-1 ETF	Common Stock	46090F100	385	18,280	SH		SOLE		18,280	0	0
ISHARES CORE MSCI EMERGING MARKETS ETF	Exchange Traded Fund	46434G103	952	15,409	SH		SOLE		15,409	0	0
ISHARES CORE S&P SMALL-CAP ETF	Exchange Traded Fund	464287804	2,824	25,865	SH		SOLE		25,865	0	0
ISHARES CORE S&P SMALL-CAP ETF	Exchange Traded Fund	464287804	160	1,464	SH		OTR		1,464	0	0
ISHARES CORE TOTAL USD BOND MARKET ETF	Exchange Traded Fund	46434V613	324	6,087	SH		SOLE		6,087	0	0
ISHARES CORE US AGGREGATE BOND ETF	Exchange Traded Fund	464287226	645	5,613	SH		SOLE		5,613	0	0
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ET	Fixed Income ETF	464287242	615	4,625	SH		SOLE		4,625	0	0
ISHARES JPMORGAN USD EMERGING MARKETS BOND ETF	Exchange Traded Fund	464288281	375	3,408	SH		SOLE		3,408	0	0
ISHARES MSCI EAFE ETF	International Equity ETF	464287465	629	8,069	SH		SOLE		8,069	0	0
ISHARES RUSSELL 2000 ETF	Common Stock	464287655	726	3,318	SH		SOLE		3,318	0	0
ISHARES S&P MIDCAP 400 INDEX FUND	Exchange Traded Fund	464287507	1,566	5,953	SH		SOLE		5,953	0	0
ISHARES S&P MIDCAP 400 INDEX FUND	Exchange Traded Fund	464287507	310	1,180	SH		OTR		1,180	0	0
JOHNSON & JOHNSON	Common Stock	478160104	2,254	13,958	SH		SOLE		13,958	0	0
JOHNSON & JOHNSON	Common Stock	478160104	166	1,025	SH		OTR		1,025	0	0
JPMORGAN CHASE & CO	Common Stock	46625H100	3,351	20,473	SH		SOLE		20,473	0	0
JPMORGAN CHASE & CO	Common Stock	46625H100	159	970	SH		OTR		970	0	0
KIMBERLY-CLARK CORP	Common Stock	494368103	216	1,631	SH		SOLE		1,631	0	0
LABORATORY CORPORATION OF AMERICA HOLDINGS	Common Stock	50540R409	281	1,000	SH		SOLE		1,000	0	0
LAM RESEARCH CORP	Common Stock	512807108	213	374	SH		SOLE		374	0	0
LINDE PLC	Int'l Common Stock	G5494J103	403	1,372	SH		SOLE		1,372	0	0
LINDE PLC	Int'l Common Stock	G5494J103	29	100	SH		OTR		100	0	0
LOWE'S COMPANIES INC	Common Stock	548661107	2,320	11,438	SH		SOLE		11,438	0	0
LOWE'S COMPANIES INC	Common Stock	548661107	832	4,102	SH		OTR		4,102	0	0
MARSH & MCLENNAN COMPANIES INC	Common Stock	571748102	627	4,140	SH		SOLE		4,140	0	0
MARSH & MCLENNAN COMPANIES INC	Common Stock	571748102	27	180	SH		OTR		180	0	0
MASTERCARD INC	Common Stock	57636Q104	1,471	4,230	SH		SOLE		4,230	0	0
MASTERCARD INC	Common Stock	57636Q104	104	300	SH		OTR		300	0	0
MATCH GROUP INC	Common Stock	57667L107	320	2,037	SH		SOLE		2,037	0	0
MCDONALD'S CORP	Common Stock	580135101	1,765	7,319	SH		SOLE		7,319	0	0
MCDONALD'S CORP	Common Stock	580135101	135	558	SH		OTR		558	0	0
MEDTRONIC PLC	Int'l Common Stock	G5960L103	819	6,530	SH		SOLE		6,530	0	0
MERCK & CO INC	Common Stock	58933Y105	757	10,082	SH		SOLE		10,082	0	0
MERCK & CO INC	Common Stock	58933Y105	187	2,488	SH		OTR		2,488	0	0
MICROSOFT CORP	Common Stock	594918104	7,664	27,184	SH		SOLE		27,184	0	0
MICROSOFT CORP	Common Stock	594918104	99	350	SH		OTR		350	0	0
MONDELEZ INTERNATIONAL INC	Common Stock	609207105	347	5,958	SH		SOLE		5,958	0	0
NEXTERA ENERGY INC	Common Stock	65339F101	1,010	12,860	SH		SOLE		12,860	0	0
NEXTERA ENERGY INC	Common Stock	65339F101	499	6,360	SH		OTR		6,360	0	0
NIKE INC	Common Stock	654106103	2,663	18,335	SH		SOLE		18,335	0	0
NORFOLK SOUTHERN CORP	Common Stock	655844108	1,013	4,236	SH		SOLE		4,236	0	0
NORFOLK SOUTHERN CORP	Common Stock	655844108	48	200	SH		OTR		200	0	0
NUCOR CORP	Common Stock	670346105	287	2,911	SH		SOLE		2,911	0	0
NUCOR CORP	Common Stock	670346105	125	1,267	SH		OTR		1,267	0	0
ORACLE CORP	Common Stock	68389X105	798	9,155	SH		SOLE		9,155	0	0
ORACLE CORP	Common Stock	68389X105	63	720	SH		OTR		720	0	0
PAYPAL HOLDINGS INC	Common Stock	70450Y103	221	850	SH		SOLE		850	0	0
PAYPAL HOLDINGS INC	Common Stock	70450Y103	39	150	SH		OTR		150	0	0
PEPSICO INC	Common Stock	713448108	1,916	12,736	SH		SOLE		12,736	0	0
PEPSICO INC	Common Stock	713448108	401	2,663	SH		OTR		2,663	0	0
PFIZER INC	Common Stock	717081103	1,634	38,001	SH		SOLE		38,001	0	0
PFIZER INC	Common Stock	717081103	297	6,900	SH		OTR		6,900	0	0
PHILIP MORRIS INTERNATIONAL INC	Common Stock	718172109	594	6,267	SH		SOLE		6,267	0	0
PHILIP MORRIS INTERNATIONAL INC	Common Stock	718172109	18	190	SH		OTR		190	0	0
PROCTER & GAMBLE CO	Common Stock	742718109	1,834	13,118	SH		SOLE		13,118	0	0
PROCTER & GAMBLE CO	Common Stock	742718109	620	4,438	SH		OTR		4,438	0	0
RAYTHEON TECHNOLOGIES CORP	Common Stock	75513E101	779	9,058	SH		SOLE		9,058	0	0
RAYTHEON TECHNOLOGIES CORP	Common Stock	75513E101	58	675	SH		OTR		675	0	0
S&P GLOBAL INC	Common Stock	78409V104	257	605	SH		SOLE		605	0	0
SABINE ROYALTY TRUST	Common Stock	785688102	1,050	24,524	SH		SOLE		24,524	0	0
SALESFORCE.COM INC	Common Stock	79466L302	2,363	8,714	SH		SOLE		8,714	0	0
SALESFORCE.COM INC	Common Stock	79466L302	77	284	SH		OTR		284	0	0
SCHLUMBERGER NV	Int'l Common Stock	806857108	257	8,655	SH		SOLE		8,655	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	3,684	8,585	SH		SOLE		8,585	0	0
STARBUCKS CORP	Common Stock	855244109	2,087	18,923	SH		SOLE		18,923	0	0
STARBUCKS CORP	Common Stock	855244109	86	780	SH		OTR		780	0	0
TARGET CORP	Common Stock	87612E106	373	1,632	SH		SOLE		1,632	0	0
TEXAS INSTRUMENTS INC	Common Stock	882508104	211	1,100	SH		SOLE		1,100	0	0
THERMO FISHER SCIENTIFIC INC	Common Stock	883556102	281	491	SH		SOLE		491	0	0
THERMO FISHER SCIENTIFIC INC	Common Stock	883556102	45	78	SH		OTR		78	0	0
UNION PACIFIC CORP	Common Stock	907818108	811	4,138	SH		SOLE		4,138	0	0
UNITED PARCEL SERVICE INC	Common Stock	911312106	746	4,099	SH		SOLE		4,099	0	0
UNITED PARCEL SERVICE INC	Common Stock	911312106	137	750	SH		OTR		750	0	0
UNITEDHEALTH GROUP INC	Common Stock	91324P102	373	955	SH		SOLE		955	0	0
UNITEDHEALTH GROUP INC	Common Stock	91324P102	43	110	SH		OTR		110	0	0
US BANCORP	Common Stock	902973304	853	14,348	SH		SOLE		14,348	0	0
US BANCORP	Common Stock	902973304	52	867	SH		OTR		867	0	0
VANGUARD EMERGING MARKETS STOCK INDEX FUND	Exchange Traded Fund	922042858	215	4,308	SH		SOLE		4,308	0	0
VANGUARD HIGH DIVIDEND YIELD INDEX FUND	Exchange Traded Fund	921946406	2,025	19,593	SH		SOLE		19,593	0	0
VANGUARD HIGH DIVIDEND YIELD INDEX FUND	Exchange Traded Fund	921946406	479	4,630	SH		OTR		4,630	0	0
VANGUARD MID-CAP INDEX FUND	Exchange Traded Fund	922908629	1,809	7,639	SH		SOLE		7,639	0	0
VANGUARD REAL ESTATE INDEX FUND	Exchange Traded Fund	922908553	255	2,503	SH		SOLE		2,503	0	0
VANGUARD SMALL-CAP INDEX FUND	Exchange Traded Fund	922908751	217	994	SH		SOLE		994	0	0
VANGUARD VALUE INDEX FUND	Exchange Traded Fund	922908744	306	2,264	SH		SOLE		2,264	0	0
VERIZON COMMUNICATIONS INC	Common Stock	92343V104	1,050	19,436	SH		SOLE		19,436	0	0
VERIZON COMMUNICATIONS INC	Common Stock	92343V104	153	2,839	SH		OTR		2,839	0	0
VISA INC	Common Stock	92826C839	243	1,093	SH		SOLE		1,093	0	0
VISA INC	Common Stock	92826C839	28	126	SH		OTR		126	0	0
WALT DISNEY CO	Common Stock	254687106	330	1,950	SH		SOLE		1,950	0	0
WALT DISNEY CO	Common Stock	254687106	34	200	SH		OTR		200	0	0
WASTE MANAGEMENT INC	Common Stock	94106L109	805	5,387	SH		SOLE		5,387	0	0
ZIMMER BIOMET HOLDINGS INC	Common Stock	98956P102	291	1,988	SH		SOLE		1,988	0	0
ZIMMER BIOMET HOLDINGS INC	Common Stock	98956P102	18	120	SH		OTR		120	0	0
ZOETIS INC	Common Stock	98978V103	318	1,640	SH		SOLE		1,640	0	0