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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
EATON CORP PLC SHS G29183103   466,609,000 1,406 SH   SOLE   1,406 0 0
LINDE PLC SHS G54950103   274,228,000 655 SH   SOLE   655 0 0
AT&T INC COM 00206R102   441,897,000 19,407 SH   SOLE   12,611 0 6,796
AT&T INC COM 00206R102   25,047,000 1,100 SH   OTR   1,100 0 0
ABBOTT LABS COM 002824100   358,898,000 3,173 SH   SOLE   3,173 0 0
ABBVIE INC COM 00287Y109   1,300,941,000 7,321 SH   SOLE   7,321 0 0
ALPHABET INC CAP STK CL C 02079K107   515,521,000 2,707 SH   SOLE   2,707 0 0
ALPHABET INC CAP STK CL A 02079K305   710,442,000 3,753 SH   SOLE   3,753 0 0
AMAZON COM INC COM 023135106   698,098,000 3,182 SH   SOLE   3,182 0 0
AMAZON COM INC COM 023135106   43,878,000 200 SH   OTR   200 0 0
AMERICAN EXPRESS CO COM 025816109   557,371,000 1,878 SH   SOLE   1,878 0 0
AMGEN INC COM 031162100   421,715,000 1,618 SH   SOLE   1,618 0 0
APPLE INC COM 037833100   25,988,587,000 103,780 SH   SOLE   103,780 0 0
APPLE INC COM 037833100   25,042,000 100 SH   OTR   100 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   526,328,000 1,798 SH   SOLE   1,798 0 0
BANK AMERICA CORP COM 060505104   246,735,000 5,614 SH   SOLE   5,614 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,174,448,000 2,591 SH   SOLE   2,591 0 0
BOEING CO COM 097023105   368,514,000 2,082 SH   SOLE   2,082 0 0
BOOZ ALLEN HAMILTON HLDG COR CL A 099502106   555,855,000 4,319 SH   SOLE   4,319 0 0
BROADCOM INC COM 11135F101   469,707,000 2,026 SH   SOLE   2,026 0 0
CARRIER GLOBAL CORPORATION COM 14448C104   431,130,000 6,316 SH   SOLE   6,316 0 0
CATERPILLAR INC COM 149123101   4,132,924,000 11,393 SH   SOLE   11,393 0 0
CHERRY HILL MTG INVT CORP COM 164651101   34,320,000 13,000 SH   SOLE   13,000 0 0
CHEVRON CORP NEW COM 166764100   437,851,000 3,023 SH   SOLE   3,023 0 0
CISCO SYS INC COM 17275R102   551,033,000 9,308 SH   SOLE   9,308 0 0
COCA COLA CO COM 191216100   3,300,776,000 53,016 SH   SOLE   53,016 0 0
COMCAST CORP NEW CL A 20030N101   330,076,000 8,795 SH   SOLE   6,789 0 2,006
CONOCOPHILLIPS COM 20825C104   382,697,000 3,859 SH   SOLE   3,859 0 0
COSTCO WHSL CORP NEW COM 22160K105   1,032,636,000 1,127 SH   SOLE   1,127 0 0
DANAHER CORPORATION COM 235851102   1,532,475,000 6,676 SH   SOLE   6,676 0 0
DOMINION ENERGY INC COM 25746U109   707,451,000 13,135 SH   SOLE   13,135 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204   452,292,000 4,198 SH   SOLE   4,198 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204   32,322,000 300 SH   OTR   300 0 0
ELLINGTON FINANCIAL INC COM 28852N109   121,200,000 10,000 SH   SOLE   10,000 0 0
ENTERPRISE PRODS PARTNERS L COM 293792107   291,961,000 9,310 SH   SOLE   9,310 0 0
EXXON MOBIL CORP COM 30231G102   1,258,246,000 11,697 SH   SOLE   11,697 0 0
META PLATFORMS INC CL A 30303M102   344,865,000 589 SH   SOLE   589 0 0
FORTINET INC COM 34959E109   255,757,000 2,707 SH   SOLE   2,707 0 0
FORTIVE CORP COM 34959J108   246,825,000 3,291 SH   SOLE   3,291 0 0
GE VERNOVA INC COM 36828A101   239,132,000 727 SH   SOLE   727 0 0
GE AEROSPACE COM NEW 369604301   445,996,000 2,674 SH   SOLE   2,674 0 0
HERSHEY CO COM 427866108   200,171,000 1,182 SH   SOLE   1,182 0 0
HOME DEPOT INC COM 437076102   1,047,161,000 2,692 SH   SOLE   2,692 0 0
HONEYWELL INTL INC COM 438516106   978,329,000 4,331 SH   SOLE   4,331 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   5,227,117,000 23,778 SH   SOLE   23,703 0 75
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   104,374,873,000 595,645 SH   SOLE   595,267 236 142
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   32,417,000 185 SH   OTR   185 0 0
ISHARES TR CORE S&P500 ETF 464287200   987,216,000 1,677 SH   SOLE   1,677 0 0
ISHARES TR CORE US AGGBD ET 464287226   510,229,081,000 5,265,522 SH   SOLE   5,263,970 138 1,414
ISHARES TR CORE US AGGBD ET 464287226   186,241,000 1,922 SH   OTR   1,922 0 0
ISHARES TR IBOXX INV CP ETF 464287242   140,532,741,000 1,315,357 SH   SOLE   1,315,123 41 193
ISHARES TR IBOXX INV CP ETF 464287242   36,966,000 346 SH   OTR   346 0 0
ISHARES TR 7-10 YR TRSY BD 464287440   243,003,068,000 2,628,481 SH   SOLE   2,627,859 94 528
ISHARES TR 7-10 YR TRSY BD 464287440   87,735,000 949 SH   OTR   949 0 0
ISHARES TR 1 3 YR TREAS BD 464287457   114,355,295,000 1,394,917 SH   SOLE   1,394,065 36 816
ISHARES TR 1 3 YR TREAS BD 464287457   41,645,000 508 SH   OTR   508 0 0
ISHARES TR MSCI EAFE ETF 464287465   953,744,000 12,614 SH   SOLE   12,064 0 550
ISHARES TR RUS MID CAP ETF 464287499   206,414,000 2,335 SH   SOLE   2,335 0 0
ISHARES TR CORE S&P MCP ETF 464287507   141,676,926,000 2,273,743 SH   SOLE   2,272,351 923 469
ISHARES TR CORE S&P MCP ETF 464287507   51,094,000 820 SH   OTR   820 0 0
ISHARES TR RUS 1000 VAL ETF 464287598   372,296,000 2,011 SH   SOLE   2,011 0 0
ISHARES TR RUS 1000 ETF 464287622   657,206,000 2,040 SH   SOLE   2,040 0 0
ISHARES TR RUS 2000 GRW ETF 464287648   259,038,000 900 SH   SOLE   900 0 0
ISHARES TR RUSSELL 3000 ETF 464287689   325,893,000 975 SH   SOLE   975 0 0
ISHARES TR S&P MC 400VL ETF 464287705   3,337,681,000 26,710 SH   SOLE   26,710 0 0
ISHARES TR CORE S&P SCP ETF 464287804   92,654,278,000 804,151 SH   SOLE   803,591 424 136
ISHARES TR CORE S&P SCP ETF 464287804   35,948,000 312 SH   OTR   312 0 0
ISHARES TR DOW JONES US ETF 464287846   406,375,000 2,840 SH   SOLE   2,840 0 0
ISHARES TR SHRT NAT MUN ETF 464288158   20,317,346,000 192,618 SH   SOLE   190,304 1,826 488
ISHARES TR NATIONAL MUN ETF 464288414   859,965,000 8,071 SH   SOLE   8,071 0 0
ISHARES TR MSCI KLD400 SOC 464288570   589,727,000 5,349 SH   SOLE   5,349 0 0
ISHARES TR ISHS 1-5YR INVS 464288646   64,595,996,000 1,249,439 SH   SOLE   1,249,233 0 206
ISHARES TR ISHS 1-5YR INVS 464288646   19,129,000 370 SH   OTR   370 0 0
ISHARES TR 3 7 YR TREAS BD 464288661   385,821,000 3,339 SH   SOLE   3,339 0 0
ISHARES TR MSCI USA ESG SLC 464288802   804,561,000 6,617 SH   SOLE   6,617 0 0
ISHARES TR US TREAS BD ETF 46429B267   389,556,000 16,952 SH   SOLE   16,952 0 0
ISHARES TR CORE MSCI EAFE 46432F842   218,307,320,000 3,106,251 SH   SOLE   3,104,275 1,268 708
ISHARES TR CORE MSCI EAFE 46432F842   71,896,000 1,023 SH   OTR   1,023 0 0
ISHARES INC CORE MSCI EMKT 46434G103   162,373,024,000 3,109,403 SH   SOLE   3,107,419 1,183 801
ISHARES INC CORE MSCI EMKT 46434G103   55,092,000 1,055 SH   OTR   1,055 0 0
ISHARES TR ESG AWARE MSCI 46435U663   222,150,000 5,283 SH   SOLE   5,283 0 0
JPMORGAN CHASE & CO. COM 46625H100   1,898,263,000 7,919 SH   SOLE   7,919 0 0
JOHNSON & JOHNSON COM 478160104   1,106,198,000 7,649 SH   SOLE   7,649 0 0
ELI LILLY & CO COM 532457108   329,644,000 427 SH   SOLE   427 0 0
LOWES COS INC COM 548661107   262,842,000 1,065 SH   SOLE   1,065 0 0
MCDONALDS CORP COM 580135101   1,157,530,000 3,993 SH   SOLE   3,993 0 0
MCDONALDS CORP COM 580135101   57,978,000 200 SH   OTR   200 0 0
MERCK & CO INC COM 58933Y105   481,483,000 4,840 SH   SOLE   4,840 0 0
MERCK & CO INC COM 58933Y105   39,792,000 400 SH   OTR   400 0 0
MICROSOFT CORP COM 594918104   11,449,626,000 27,164 SH   SOLE   27,164 0 0
MICROSOFT CORP COM 594918104   21,075,000 50 SH   OTR   50 0 0
NEXTERA ENERGY INC COM 65339F101   429,136,000 5,986 SH   SOLE   5,986 0 0
NORFOLK SOUTHN CORP COM 655844108   604,352,000 2,575 SH   SOLE   2,575 0 0
NVIDIA CORPORATION COM 67066G104   1,644,381,000 12,245 SH   SOLE   12,245 0 0
NVIDIA CORPORATION COM 67066G104   33,572,000 250 SH   OTR   250 0 0
ORACLE CORP COM 68389X105   413,100,000 2,479 SH   SOLE   2,479 0 0
OTIS WORLDWIDE CORP COM 68902V107   245,786,000 2,654 SH   SOLE   2,654 0 0
PPG INDS INC COM 693506107   295,041,000 2,470 SH   SOLE   2,470 0 0
PEPSICO INC COM 713448108   861,267,000 5,664 SH   SOLE   5,664 0 0
PEPSICO INC COM 713448108   30,412,000 200 SH   OTR   200 0 0
PFIZER INC COM 717081103   602,443,000 22,708 SH   SOLE   22,708 0 0
PROCTER AND GAMBLE CO COM 742718109   1,020,317,000 6,086 SH   SOLE   6,086 0 0
QUALCOMM INC COM 747525103   316,149,000 2,058 SH   SOLE   2,058 0 0
RTX CORPORATION COM 75513E101   329,339,000 2,846 SH   SOLE   2,846 0 0
S&P GLOBAL INC COM 78409V104   1,078,732,000 2,166 SH   SOLE   2,166 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   420,386,392,000 717,285 SH   SOLE   716,496 347 442
SPDR S&P 500 ETF TR TR UNIT 78462F103   151,208,000 258 SH   OTR   258 0 0
SPDR GOLD TR GOLD SHS 78463V107   781,595,000 3,228 SH   SOLE   3,228 0 0
SPDR SER TR PORTFOLIO SHORT 78464A474   748,231,000 25,058 SH   SOLE   25,058 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   324,682,000 14,007 SH   SOLE   14,007 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   673,004,000 24,148 SH   SOLE   24,148 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771   373,031,000 15,753 SH   SOLE   15,753 0 0
SOUTHERN CO COM 842587107   840,240,000 10,207 SH   SOLE   10,207 0 0
SOUTHERN CO COM 842587107   24,696,000 300 SH   OTR   300 0 0
STARBUCKS CORP COM 855244109   633,822,000 6,946 SH   SOLE   6,946 0 0
T-MOBILE US INC COM 872590104   255,163,000 1,156 SH   SOLE   1,156 0 0
TARGET CORP COM 87612E106   383,776,000 2,839 SH   SOLE   2,839 0 0
3M CO COM 88579Y101   430,773,000 3,337 SH   SOLE   3,337 0 0
UNION PAC CORP COM 907818108   209,796,000 920 SH   SOLE   920 0 0
UNITEDHEALTH GROUP INC COM 91324P102   576,680,000 1,140 SH   SOLE   1,140 0 0
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505   241,965,000 661 SH   SOLE   661 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   241,395,000 5,048 SH   SOLE   5,048 0 0
VANGUARD WORLD FD INF TECH ETF 92204A702   231,309,000 372 SH   SOLE   372 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   11,269,480,000 144,462 SH   SOLE   144,462 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   29,274,709,000 364,703 SH   SOLE   364,703 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   122,667,859,000 2,446,995 SH   SOLE   2,435,654 4,084 7,257
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   5,425,277,000 10,069 SH   SOLE   10,069 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595   26,548,007,000 94,794 SH   SOLE   94,743 18 33
VANGUARD INDEX FDS SML CP GRW ETF 922908595   5,321,000 19 SH   OTR   19 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   303,221,000 1,148 SH   SOLE   1,148 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   24,382,188,000 59,405 SH   SOLE   59,377 10 18
VANGUARD INDEX FDS GROWTH ETF 922908736   4,104,000 10 SH   OTR   10 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   341,956,541,000 2,019,826 SH   SOLE   2,018,575 808 443
VANGUARD INDEX FDS VALUE ETF 922908744   109,367,000 646 SH   OTR   646 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   910,003,000 3,140 SH   SOLE   3,140 0 0
VERALTO CORP COM SHS 92338C103   211,135,000 2,073 SH   SOLE   2,073 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   494,076,000 12,355 SH   SOLE   9,981 0 2,374
VERIZON COMMUNICATIONS INC COM 92343V104   31,272,000 782 SH   OTR   782 0 0
VISA INC COM CL A 92826C839   802,425,000 2,539 SH   SOLE   2,539 0 0
WALMART INC COM 931142103   1,194,969,000 13,226 SH   SOLE   13,226 0 0
WELLS FARGO CO NEW COM 949746101   873,293,000 12,433 SH   SOLE   12,433 0 0
XYLEM INC COM 98419M100   324,275,000 2,795 SH   SOLE   2,695 0 100