<SEC-DOCUMENT>0000714395-24-000009.txt : 20240208
<SEC-HEADER>0000714395-24-000009.hdr.sgml : 20240208
<ACCEPTANCE-DATETIME>20240208160617
ACCESSION NUMBER:		0000714395-24-000009
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20231231
FILED AS OF DATE:		20240208
DATE AS OF CHANGE:		20240208
EFFECTIVENESS DATE:		20240208

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			GERMAN AMERICAN BANCORP, INC.
		CENTRAL INDEX KEY:			0000714395
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		ORGANIZATION NAME:           	02 Finance
		IRS NUMBER:				351547518
		STATE OF INCORPORATION:			IN
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		13F-HR
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	028-18884
		FILM NUMBER:		24609015

	BUSINESS ADDRESS:	
		STREET 1:		711 MAIN ST
		STREET 2:		P O BOX 810
		CITY:			JASPER
		STATE:			IN
		ZIP:			47546
		BUSINESS PHONE:		8124821314

	MAIL ADDRESS:	
		STREET 1:		711 MAIN STREET
		CITY:			JASPER
		STATE:			IN
		ZIP:			47546

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	GERMAN AMERICAN BANCORP
		DATE OF NAME CHANGE:	19950510

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	GAB BANCORP
		DATE OF NAME CHANGE:	19950510
</SEC-HEADER>
<DOCUMENT>
<TYPE>13F-HR
<SEQUENCE>1
<FILENAME>primary_doc.xml
<TEXT>
<XML>
<?xml version="1.0" encoding="UTF-8"?>
<edgarSubmission xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:com="http://www.sec.gov/edgar/common" xmlns="http://www.sec.gov/edgar/thirteenffiler">
  <schemaVersion>X0202</schemaVersion>
  <headerData>
    <submissionType>13F-HR</submissionType>
    <filerInfo>
      <liveTestFlag>LIVE</liveTestFlag>
      <flags>
        <confirmingCopyFlag>false</confirmingCopyFlag>
        <returnCopyFlag>false</returnCopyFlag>
        <overrideInternetFlag>false</overrideInternetFlag>
      </flags>
      <filer>
        <credentials>
          <cik>0000714395</cik>
          <ccc>XXXXXXXX</ccc>
        </credentials>
      </filer>
      <periodOfReport>12-31-2023</periodOfReport>
    </filerInfo>
  </headerData>
  <formData>
    <coverPage>
      <reportCalendarOrQuarter>12-31-2023</reportCalendarOrQuarter>
      <isAmendment>false</isAmendment>
      <filingManager>
        <name>GERMAN AMERICAN BANCORP, INC.</name>
        <address>
          <com:street1>711 MAIN STREET</com:street1>
          <com:city>JASPER</com:city>
          <com:stateOrCountry>IN</com:stateOrCountry>
          <com:zipCode>47546</com:zipCode>
        </address>
      </filingManager>
      <reportType>13F HOLDINGS REPORT</reportType>
      <form13FFileNumber>028-18884</form13FFileNumber>
      <provideInfoForInstruction5>N</provideInfoForInstruction5>
    </coverPage>
    <signatureBlock>
      <name>Bradley M. Rust</name>
      <title>President &amp; CFO</title>
      <phone>812-482-1314</phone>
      <signature>Bradley M. Rust</signature>
      <city>Jasper</city>
      <stateOrCountry>IN</stateOrCountry>
      <signatureDate>02-08-2024</signatureDate>
    </signatureBlock>
    <summaryPage>
      <otherIncludedManagersCount>0</otherIncludedManagersCount>
      <tableEntryTotal>168</tableEntryTotal>
      <tableValueTotal>758869911</tableValueTotal>
      <isConfidentialOmitted>false</isConfidentialOmitted>
    </summaryPage>
  </formData>
</edgarSubmission>
</XML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>INFORMATION TABLE
<SEQUENCE>2
<FILENAME>information_table.xml
<DESCRIPTION>INFORMATION TABLE
<TEXT>
<XML>
<?xml version="1.0" encoding="UTF-8"?><informationTable xmlns="http://www.sec.gov/edgar/document/thirteenf/informationtable" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"><infoTable><nameOfIssuer>ACCENTURE PLC IRELAND</nameOfIssuer><titleOfClass>SHS CLASS A</titleOfClass><cusip>G1151C101</cusip><value>286693</value><shrsOrPrnAmt><sshPrnamt>817</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>817</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CRH PLC</nameOfIssuer><titleOfClass>ORD</titleOfClass><cusip>G25508105</cusip><value>426302</value><shrsOrPrnAmt><sshPrnamt>6164</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>6164</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>LINDE PLC</nameOfIssuer><titleOfClass>SHS</titleOfClass><cusip>G54950103</cusip><value>289139</value><shrsOrPrnAmt><sshPrnamt>704</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>704</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TRANE TECHNOLOGIES PLC</nameOfIssuer><titleOfClass>SHS</titleOfClass><cusip>G8994E103</cusip><value>268290</value><shrsOrPrnAmt><sshPrnamt>1100</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1100</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ABBOTT LABS</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>002824100</cusip><value>7717668</value><shrsOrPrnAmt><sshPrnamt>70116</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>70102</Sole><Shared>0</Shared><None>14</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ABBOTT LABS</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>002824100</cusip><value>14309</value><shrsOrPrnAmt><sshPrnamt>130</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>130</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ABBVIE INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>00287Y109</cusip><value>3612195</value><shrsOrPrnAmt><sshPrnamt>23309</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>23305</Sole><Shared>0</Shared><None>4</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ABBVIE INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>00287Y109</cusip><value>5733</value><shrsOrPrnAmt><sshPrnamt>37</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>37</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ADOBE INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>00724F101</cusip><value>1003481</value><shrsOrPrnAmt><sshPrnamt>1682</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1682</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ALPHABET INC</nameOfIssuer><titleOfClass>CAP STK CL A</titleOfClass><cusip>02079K305</cusip><value>25025882</value><shrsOrPrnAmt><sshPrnamt>179153</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>179017</Sole><Shared>0</Shared><None>136</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ALPHABET INC</nameOfIssuer><titleOfClass>CAP STK CL A</titleOfClass><cusip>02079K305</cusip><value>45678</value><shrsOrPrnAmt><sshPrnamt>327</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>327</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>AMAZON COM INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>023135106</cusip><value>15995027</value><shrsOrPrnAmt><sshPrnamt>105272</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>101627</Sole><Shared>0</Shared><None>3645</None></votingAuthority></infoTable><infoTable><nameOfIssuer>AMAZON COM INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>023135106</cusip><value>27956</value><shrsOrPrnAmt><sshPrnamt>184</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>184</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>AMERICAN ELEC PWR CO INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>025537101</cusip><value>206867</value><shrsOrPrnAmt><sshPrnamt>2547</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2547</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>AMGEN INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>031162100</cusip><value>504035</value><shrsOrPrnAmt><sshPrnamt>1750</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1750</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>APPLE INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>037833100</cusip><value>36912044</value><shrsOrPrnAmt><sshPrnamt>191721</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>191686</Sole><Shared>0</Shared><None>35</None></votingAuthority></infoTable><infoTable><nameOfIssuer>APPLE INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>037833100</cusip><value>61417</value><shrsOrPrnAmt><sshPrnamt>319</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>319</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>AUTOMATIC DATA PROCESSING IN</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>053015103</cusip><value>461746</value><shrsOrPrnAmt><sshPrnamt>1982</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1632</Sole><Shared>0</Shared><None>350</None></votingAuthority></infoTable><infoTable><nameOfIssuer>BANK AMERICA CORP</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>060505104</cusip><value>4575146</value><shrsOrPrnAmt><sshPrnamt>135882</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>135762</Sole><Shared>0</Shared><None>120</None></votingAuthority></infoTable><infoTable><nameOfIssuer>BANK AMERICA CORP</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>060505104</cusip><value>13973</value><shrsOrPrnAmt><sshPrnamt>415</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>415</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>BERKSHIRE HATHAWAY INC DEL</nameOfIssuer><titleOfClass>CL B NEW</titleOfClass><cusip>084670702</cusip><value>436908</value><shrsOrPrnAmt><sshPrnamt>1225</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1225</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>BLACKROCK INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>09247X101</cusip><value>7756749</value><shrsOrPrnAmt><sshPrnamt>9555</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>9553</Sole><Shared>0</Shared><None>2</None></votingAuthority></infoTable><infoTable><nameOfIssuer>BLACKROCK INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>09247X101</cusip><value>13800</value><shrsOrPrnAmt><sshPrnamt>17</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>17</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>BOEING CO</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>097023105</cusip><value>5589332</value><shrsOrPrnAmt><sshPrnamt>21443</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>21439</Sole><Shared>0</Shared><None>4</None></votingAuthority></infoTable><infoTable><nameOfIssuer>BOEING CO</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>097023105</cusip><value>10165</value><shrsOrPrnAmt><sshPrnamt>39</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>39</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>BROADCOM INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>11135F101</cusip><value>407431</value><shrsOrPrnAmt><sshPrnamt>365</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>365</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CVS HEALTH CORP</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>126650100</cusip><value>3692880</value><shrsOrPrnAmt><sshPrnamt>46769</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>46758</Sole><Shared>0</Shared><None>11</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CVS HEALTH CORP</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>126650100</cusip><value>7896</value><shrsOrPrnAmt><sshPrnamt>100</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>100</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CATERPILLAR INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>149123101</cusip><value>8626172</value><shrsOrPrnAmt><sshPrnamt>29175</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>29169</Sole><Shared>0</Shared><None>6</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CATERPILLAR INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>149123101</cusip><value>15079</value><shrsOrPrnAmt><sshPrnamt>51</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>51</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CHEVRON</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>166764100</cusip><value>297723</value><shrsOrPrnAmt><sshPrnamt>1996</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1996</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CHURCH AND DWIGHT INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>171340102</cusip><value>401974</value><shrsOrPrnAmt><sshPrnamt>4251</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>4251</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CISCO SYS INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>17275R102</cusip><value>4746354</value><shrsOrPrnAmt><sshPrnamt>93950</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>93932</Sole><Shared>0</Shared><None>18</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CISCO SYS INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>17275R102</cusip><value>8285</value><shrsOrPrnAmt><sshPrnamt>164</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>164</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>COCA COLA CO</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>191216100</cusip><value>6357663</value><shrsOrPrnAmt><sshPrnamt>107885</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>107865</Sole><Shared>0</Shared><None>20</None></votingAuthority></infoTable><infoTable><nameOfIssuer>COCA COLA CO</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>191216100</cusip><value>11019</value><shrsOrPrnAmt><sshPrnamt>187</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>187</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CONOCOPHILLIPS</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>20825C104</cusip><value>5624752</value><shrsOrPrnAmt><sshPrnamt>48460</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>48451</Sole><Shared>0</Shared><None>9</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CONOCOPHILLIPS</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>20825C104</cusip><value>10098</value><shrsOrPrnAmt><sshPrnamt>87</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>87</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CONSTELLATION BRANDS INC</nameOfIssuer><titleOfClass>CL A</titleOfClass><cusip>21036P108</cusip><value>241750</value><shrsOrPrnAmt><sshPrnamt>1000</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1000</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>COSTCO WHSL CORP NEW</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>22160K105</cusip><value>8054956</value><shrsOrPrnAmt><sshPrnamt>12203</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>12201</Sole><Shared>0</Shared><None>2</None></votingAuthority></infoTable><infoTable><nameOfIssuer>COSTCO WHSL CORP NEW</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>22160K105</cusip><value>13201</value><shrsOrPrnAmt><sshPrnamt>20</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>20</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DANAHER CORPORATION</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>235851102</cusip><value>3160335</value><shrsOrPrnAmt><sshPrnamt>13661</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>13658</Sole><Shared>0</Shared><None>3</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DANAHER CORPORATION</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>235851102</cusip><value>6246</value><shrsOrPrnAmt><sshPrnamt>27</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>27</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DEERE &amp; CO</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>244199105</cusip><value>660985</value><shrsOrPrnAmt><sshPrnamt>1653</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1653</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DISNEY WALT CO</nameOfIssuer><titleOfClass>COM DISNEY</titleOfClass><cusip>254687106</cusip><value>2333996</value><shrsOrPrnAmt><sshPrnamt>25850</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>25843</Sole><Shared>0</Shared><None>7</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DISNEY WALT CO</nameOfIssuer><titleOfClass>COM DISNEY</titleOfClass><cusip>254687106</cusip><value>5597</value><shrsOrPrnAmt><sshPrnamt>62</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>62</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>30231G102</cusip><value>6846630</value><shrsOrPrnAmt><sshPrnamt>68480</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>68467</Sole><Shared>0</Shared><None>13</None></votingAuthority></infoTable><infoTable><nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>30231G102</cusip><value>12197</value><shrsOrPrnAmt><sshPrnamt>122</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>122</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>META PLATFORMS INC</nameOfIssuer><titleOfClass>CL A</titleOfClass><cusip>30303M102</cusip><value>11104079</value><shrsOrPrnAmt><sshPrnamt>31371</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>31364</Sole><Shared>0</Shared><None>7</None></votingAuthority></infoTable><infoTable><nameOfIssuer>META PLATFORMS INC</nameOfIssuer><titleOfClass>CL A</titleOfClass><cusip>30303M102</cusip><value>21945</value><shrsOrPrnAmt><sshPrnamt>62</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>62</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>FEDEX CORP</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>31428X106</cusip><value>5438349</value><shrsOrPrnAmt><sshPrnamt>21498</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>21493</Sole><Shared>0</Shared><None>5</None></votingAuthority></infoTable><infoTable><nameOfIssuer>FEDEX CORP</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>31428X106</cusip><value>11130</value><shrsOrPrnAmt><sshPrnamt>44</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>44</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>FIRST TRUST LRGCP GWT ALPHAD</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>33735K108</cusip><value>219120</value><shrsOrPrnAmt><sshPrnamt>2000</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2000</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>GENERAL MTRS CO</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>37045V100</cusip><value>2457179</value><shrsOrPrnAmt><sshPrnamt>68407</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>68383</Sole><Shared>0</Shared><None>24</None></votingAuthority></infoTable><infoTable><nameOfIssuer>GENERAL MTRS CO</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>37045V100</cusip><value>7974</value><shrsOrPrnAmt><sshPrnamt>222</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>222</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>GERMAN AMERN BANCORP</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>373865104</cusip><value>6201167</value><shrsOrPrnAmt><sshPrnamt>191335</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>4484</Sole><Shared>0</Shared><None>186851</None></votingAuthority></infoTable><infoTable><nameOfIssuer>GOLDMAN SACHS GROUP INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>38414G104</cusip><value>509216</value><shrsOrPrnAmt><sshPrnamt>1320</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1320</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>HOME DEPOT INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>437076102</cusip><value>1130446</value><shrsOrPrnAmt><sshPrnamt>3262</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>3248</Sole><Shared>0</Shared><None>14</None></votingAuthority></infoTable><infoTable><nameOfIssuer>HONEYWELL INTL INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>438516106</cusip><value>5466300</value><shrsOrPrnAmt><sshPrnamt>26066</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>26061</Sole><Shared>0</Shared><None>5</None></votingAuthority></infoTable><infoTable><nameOfIssuer>HONEYWELL INTL INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>438516106</cusip><value>10066</value><shrsOrPrnAmt><sshPrnamt>48</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>48</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>INTEL CORP</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>458140100</cusip><value>290646</value><shrsOrPrnAmt><sshPrnamt>5784</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>5784</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>INVESCO QQQ TR</nameOfIssuer><titleOfClass>UNIT SER 1</titleOfClass><cusip>46090E103</cusip><value>1181055</value><shrsOrPrnAmt><sshPrnamt>2884</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2884</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer><titleOfClass>CORE S&amp;P TTL STK</titleOfClass><cusip>464287150</cusip><value>608229</value><shrsOrPrnAmt><sshPrnamt>5780</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>5780</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer><titleOfClass>CORE S&amp;P500 ETF</titleOfClass><cusip>464287200</cusip><value>886958</value><shrsOrPrnAmt><sshPrnamt>1857</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1857</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer><titleOfClass>CORE US AGGBD ET</titleOfClass><cusip>464287226</cusip><value>456649</value><shrsOrPrnAmt><sshPrnamt>4601</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>4601</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer><titleOfClass>MSCI EAFE ETF</titleOfClass><cusip>464287465</cusip><value>813855</value><shrsOrPrnAmt><sshPrnamt>10801</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>10801</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer><titleOfClass>RUS MDCP VAL ETF</titleOfClass><cusip>464287473</cusip><value>5458420</value><shrsOrPrnAmt><sshPrnamt>46938</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>46927</Sole><Shared>0</Shared><None>11</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer><titleOfClass>RUS MDCP VAL ETF</titleOfClass><cusip>464287473</cusip><value>11745</value><shrsOrPrnAmt><sshPrnamt>101</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>101</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer><titleOfClass>RUS MID CAP ETF</titleOfClass><cusip>464287499</cusip><value>60886064</value><shrsOrPrnAmt><sshPrnamt>783302</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>783127</Sole><Shared>0</Shared><None>175</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer><titleOfClass>RUS MID CAP ETF</titleOfClass><cusip>464287499</cusip><value>132840</value><shrsOrPrnAmt><sshPrnamt>1709</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>1709</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer><titleOfClass>RUS 1000 VAL ETF</titleOfClass><cusip>464287598</cusip><value>31677103</value><shrsOrPrnAmt><sshPrnamt>191692</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>191646</Sole><Shared>0</Shared><None>46</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer><titleOfClass>RUS 1000 VAL ETF</titleOfClass><cusip>464287598</cusip><value>66430</value><shrsOrPrnAmt><sshPrnamt>402</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>402</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer><titleOfClass>RUS 1000 GRW ETF</titleOfClass><cusip>464287614</cusip><value>374414</value><shrsOrPrnAmt><sshPrnamt>1235</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1235</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer><titleOfClass>RUS 2000 VAL ETF</titleOfClass><cusip>464287630</cusip><value>3391319</value><shrsOrPrnAmt><sshPrnamt>21833</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>21828</Sole><Shared>0</Shared><None>5</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer><titleOfClass>RUS 2000 VAL ETF</titleOfClass><cusip>464287630</cusip><value>6989</value><shrsOrPrnAmt><sshPrnamt>45</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>45</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer><titleOfClass>RUSSELL 2000 ETF</titleOfClass><cusip>464287655</cusip><value>35092136</value><shrsOrPrnAmt><sshPrnamt>174840</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>174800</Sole><Shared>0</Shared><None>40</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer><titleOfClass>RUSSELL 2000 ETF</titleOfClass><cusip>464287655</cusip><value>78477</value><shrsOrPrnAmt><sshPrnamt>391</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>391</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer><titleOfClass>CORE S&amp;P US VLU</titleOfClass><cusip>464287663</cusip><value>449984</value><shrsOrPrnAmt><sshPrnamt>5336</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>5336</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer><titleOfClass>SHRT NATG MUN ETF</titleOfClass><cusip>464288158</cusip><value>2399059</value><shrsOrPrnAmt><sshPrnamt>22755</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>22335</Sole><Shared>0</Shared><None>420</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer><titleOfClass>MSCI ACWI EX US</titleOfClass><cusip>464288240</cusip><value>69161700</value><shrsOrPrnAmt><sshPrnamt>1355049</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1354712</Sole><Shared>0</Shared><None>337</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer><titleOfClass>MSCI ACWI EX US</titleOfClass><cusip>464288240</cusip><value>160929</value><shrsOrPrnAmt><sshPrnamt>3153</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>3153</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer><titleOfClass>NATIONAL MUN ETF</titleOfClass><cusip>464288414</cusip><value>9896098</value><shrsOrPrnAmt><sshPrnamt>91284</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>90316</Sole><Shared>0</Shared><None>968</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer><titleOfClass>GOV/CRED BD ETF</titleOfClass><cusip>464288596</cusip><value>232242</value><shrsOrPrnAmt><sshPrnamt>2207</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2207</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer><titleOfClass>INTRM GOV CR ETF</titleOfClass><cusip>464288612</cusip><value>74683508</value><shrsOrPrnAmt><sshPrnamt>712901</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>712753</Sole><Shared>0</Shared><None>148</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer><titleOfClass>INTRM GOV CR ETF</titleOfClass><cusip>464288612</cusip><value>85798</value><shrsOrPrnAmt><sshPrnamt>819</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>819</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>JPMORGAN CHASE &amp; CO</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>46625H100</cusip><value>13029319</value><shrsOrPrnAmt><sshPrnamt>76598</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>76583</Sole><Shared>0</Shared><None>15</None></votingAuthority></infoTable><infoTable><nameOfIssuer>JPMORGAN CHASE &amp; CO</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>46625H100</cusip><value>22963</value><shrsOrPrnAmt><sshPrnamt>135</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>135</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>478160104</cusip><value>6576340</value><shrsOrPrnAmt><sshPrnamt>41957</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>41949</Sole><Shared>0</Shared><None>8</None></votingAuthority></infoTable><infoTable><nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>478160104</cusip><value>11598</value><shrsOrPrnAmt><sshPrnamt>74</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>74</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>LENNAR CORP</nameOfIssuer><titleOfClass>CL A</titleOfClass><cusip>526057104</cusip><value>4319775</value><shrsOrPrnAmt><sshPrnamt>28984</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>28978</Sole><Shared>0</Shared><None>6</None></votingAuthority></infoTable><infoTable><nameOfIssuer>LENNAR CORP</nameOfIssuer><titleOfClass>CL A</titleOfClass><cusip>526057104</cusip><value>7601</value><shrsOrPrnAmt><sshPrnamt>51</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>51</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ELI LILLY &amp; CO</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>532457108</cusip><value>1256192</value><shrsOrPrnAmt><sshPrnamt>2155</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2092</Sole><Shared>0</Shared><None>63</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MASTERCARD INCORPORATED</nameOfIssuer><titleOfClass>CL A</titleOfClass><cusip>57636Q104</cusip><value>13403503</value><shrsOrPrnAmt><sshPrnamt>31426</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>31420</Sole><Shared>0</Shared><None>6</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MASTERCARD INCORPORATED</nameOfIssuer><titleOfClass>CL A</titleOfClass><cusip>57636Q104</cusip><value>24737</value><shrsOrPrnAmt><sshPrnamt>58</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>58</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MCDONALDS CORP</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>580135101</cusip><value>483311</value><shrsOrPrnAmt><sshPrnamt>1630</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1630</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MICROSOFT CORP</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>594918104</cusip><value>34734814</value><shrsOrPrnAmt><sshPrnamt>92370</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>91029</Sole><Shared>0</Shared><None>1341</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MICROSOFT CORP</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>594918104</cusip><value>58662</value><shrsOrPrnAmt><sshPrnamt>156</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>156</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MICRON TECHNOLOGY INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>595112103</cusip><value>7383702</value><shrsOrPrnAmt><sshPrnamt>86521</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>86504</Sole><Shared>0</Shared><None>17</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MICRON TECHNOLOGY INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>595112103</cusip><value>13569</value><shrsOrPrnAmt><sshPrnamt>159</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>159</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MORGAN STANLEY</nameOfIssuer><titleOfClass>COM  NEW</titleOfClass><cusip>617446448</cusip><value>6067870</value><shrsOrPrnAmt><sshPrnamt>65071</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>65058</Sole><Shared>0</Shared><None>13</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MORGAN STANLEY</nameOfIssuer><titleOfClass>COM  NEW</titleOfClass><cusip>617446448</cusip><value>11376</value><shrsOrPrnAmt><sshPrnamt>122</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>122</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>NEXTERA ENERGY INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>65339F101</cusip><value>252921</value><shrsOrPrnAmt><sshPrnamt>4164</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>4164</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>NIKE INC</nameOfIssuer><titleOfClass>CL B</titleOfClass><cusip>654106103</cusip><value>6091862</value><shrsOrPrnAmt><sshPrnamt>56110</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>56098</Sole><Shared>0</Shared><None>12</None></votingAuthority></infoTable><infoTable><nameOfIssuer>NIKE INC</nameOfIssuer><titleOfClass>CL B</titleOfClass><cusip>654106103</cusip><value>12159</value><shrsOrPrnAmt><sshPrnamt>112</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>112</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>NVIDIA CORPORATION</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>67066G104</cusip><value>10813623</value><shrsOrPrnAmt><sshPrnamt>21836</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>21832</Sole><Shared>0</Shared><None>4</None></votingAuthority></infoTable><infoTable><nameOfIssuer>NVIDIA CORPORATION</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>67066G104</cusip><value>20304</value><shrsOrPrnAmt><sshPrnamt>41</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>41</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ORACLE CORP</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>68389X105</cusip><value>9615005</value><shrsOrPrnAmt><sshPrnamt>91198</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>91180</Sole><Shared>0</Shared><None>18</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ORACLE CORP</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>68389X105</cusip><value>16974</value><shrsOrPrnAmt><sshPrnamt>161</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>161</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PNC FINL SVCS GROUP INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>693475105</cusip><value>300718</value><shrsOrPrnAmt><sshPrnamt>1942</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1942</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PEPSICO INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>713448108</cusip><value>456190</value><shrsOrPrnAmt><sshPrnamt>2686</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2686</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PFIZER INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>717081103</cusip><value>2531331</value><shrsOrPrnAmt><sshPrnamt>87924</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>87898</Sole><Shared>0</Shared><None>26</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PFIZER INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>717081103</cusip><value>6794</value><shrsOrPrnAmt><sshPrnamt>236</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>236</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PHILIP MORRIS INTL INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>718172109</cusip><value>323917</value><shrsOrPrnAmt><sshPrnamt>3443</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>3443</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PHILLIPS EDISON &amp; CO INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>71844V201</cusip><value>293736</value><shrsOrPrnAmt><sshPrnamt>8052</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>8052</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PHILLIPS 66</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>718546104</cusip><value>3340349</value><shrsOrPrnAmt><sshPrnamt>25089</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>25084</Sole><Shared>0</Shared><None>5</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PHILLIPS 66</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>718546104</cusip><value>5858</value><shrsOrPrnAmt><sshPrnamt>44</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>44</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PROCTER &amp; GAMBLE CO</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>742718109</cusip><value>8757376</value><shrsOrPrnAmt><sshPrnamt>59761</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>59750</Sole><Shared>0</Shared><None>11</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PROCTER &amp; GAMBLE CO</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>742718109</cusip><value>14214</value><shrsOrPrnAmt><sshPrnamt>97</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>97</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>QUALCOMM INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>747525103</cusip><value>252234</value><shrsOrPrnAmt><sshPrnamt>1744</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1310</Sole><Shared>0</Shared><None>434</None></votingAuthority></infoTable><infoTable><nameOfIssuer>RTX CORPORATION</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>75513E101</cusip><value>2123609</value><shrsOrPrnAmt><sshPrnamt>25239</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>25234</Sole><Shared>0</Shared><None>5</None></votingAuthority></infoTable><infoTable><nameOfIssuer>RTX CORPORATION</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>75513E101</cusip><value>3786</value><shrsOrPrnAmt><sshPrnamt>45</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>45</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer><titleOfClass>TR UNIT</titleOfClass><cusip>78462F103</cusip><value>44606217</value><shrsOrPrnAmt><sshPrnamt>93846</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>93828</Sole><Shared>0</Shared><None>18</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer><titleOfClass>TR UNIT</titleOfClass><cusip>78462F103</cusip><value>130710</value><shrsOrPrnAmt><sshPrnamt>275</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>275</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SPDR GOLD TR</nameOfIssuer><titleOfClass>GOLD SHS</titleOfClass><cusip>78463V107</cusip><value>423823</value><shrsOrPrnAmt><sshPrnamt>2217</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>2217</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer><titleOfClass>PORTFOLIO EMG MK</titleOfClass><cusip>78463X509</cusip><value>237636</value><shrsOrPrnAmt><sshPrnamt>6711</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>6711</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer><titleOfClass>PORTFOLIO DEVLPD</titleOfClass><cusip>78463X889</cusip><value>1069716</value><shrsOrPrnAmt><sshPrnamt>31453</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>31453</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SPDR SER TR</nameOfIssuer><titleOfClass>PORTFOLI S&amp;P1500</titleOfClass><cusip>78464A805</cusip><value>615186</value><shrsOrPrnAmt><sshPrnamt>10525</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>10525</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SPDR SER TR</nameOfIssuer><titleOfClass>S&amp;P 400 MDCP VAL</titleOfClass><cusip>78464A839</cusip><value>207151</value><shrsOrPrnAmt><sshPrnamt>2823</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2823</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TR</nameOfIssuer><titleOfClass>UTSER1 S&amp;PDCRP</titleOfClass><cusip>78467Y107</cusip><value>579747</value><shrsOrPrnAmt><sshPrnamt>1142</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1142</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer><titleOfClass>SBI MATERIALS</titleOfClass><cusip>81369Y100</cusip><value>3081749</value><shrsOrPrnAmt><sshPrnamt>36027</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>36019</Sole><Shared>0</Shared><None>8</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer><titleOfClass>SBI MATERIALS</titleOfClass><cusip>81369Y100</cusip><value>5902</value><shrsOrPrnAmt><sshPrnamt>69</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>69</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer><titleOfClass>SBI HEALTHCARE</titleOfClass><cusip>81369Y209</cusip><value>4758434</value><shrsOrPrnAmt><sshPrnamt>34891</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>34891</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer><titleOfClass>SBI CONS STPLS</titleOfClass><cusip>81369Y308</cusip><value>5442442</value><shrsOrPrnAmt><sshPrnamt>75558</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>75542</Sole><Shared>0</Shared><None>16</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer><titleOfClass>SBI CONS STPLS</titleOfClass><cusip>81369Y308</cusip><value>10516</value><shrsOrPrnAmt><sshPrnamt>146</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>146</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer><titleOfClass>SBI CONS DISCR</titleOfClass><cusip>81369Y407</cusip><value>9624805</value><shrsOrPrnAmt><sshPrnamt>53827</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>53818</Sole><Shared>0</Shared><None>9</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer><titleOfClass>SBI CONS DISCR</titleOfClass><cusip>81369Y407</cusip><value>13053</value><shrsOrPrnAmt><sshPrnamt>73</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>73</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer><titleOfClass>ENERGY</titleOfClass><cusip>81369Y506</cusip><value>1904677</value><shrsOrPrnAmt><sshPrnamt>22718</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>22714</Sole><Shared>0</Shared><None>4</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer><titleOfClass>ENERGY</titleOfClass><cusip>81369Y506</cusip><value>3521</value><shrsOrPrnAmt><sshPrnamt>42</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>42</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer><titleOfClass>FINANCIAL</titleOfClass><cusip>81369Y605</cusip><value>4966960</value><shrsOrPrnAmt><sshPrnamt>132100</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>132100</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer><titleOfClass>INDL</titleOfClass><cusip>81369Y704</cusip><value>1400937</value><shrsOrPrnAmt><sshPrnamt>12290</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>12290</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer><titleOfClass>TECHNOLOGY</titleOfClass><cusip>81369Y803</cusip><value>1962526</value><shrsOrPrnAmt><sshPrnamt>10196</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>10196</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer><titleOfClass>COMMUNICATION</titleOfClass><cusip>81369Y852</cusip><value>2752142</value><shrsOrPrnAmt><sshPrnamt>37877</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>37877</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer><titleOfClass>SBI INT-UTILS</titleOfClass><cusip>81369Y886</cusip><value>8569372</value><shrsOrPrnAmt><sshPrnamt>135313</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>135287</Sole><Shared>0</Shared><None>26</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer><titleOfClass>SBI INT-UTILS</titleOfClass><cusip>81369Y886</cusip><value>15642</value><shrsOrPrnAmt><sshPrnamt>247</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>247</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>STOCK YDS BANCORP INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>861025104</cusip><value>229902</value><shrsOrPrnAmt><sshPrnamt>4465</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>4465</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>STRYKER CORPORATION</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>863667101</cusip><value>202434</value><shrsOrPrnAmt><sshPrnamt>676</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>676</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TJX COS INC NEW</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>872540109</cusip><value>617082</value><shrsOrPrnAmt><sshPrnamt>6578</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>6578</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TESLA INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>88160R101</cusip><value>436330</value><shrsOrPrnAmt><sshPrnamt>1756</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1086</Sole><Shared>0</Shared><None>670</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TEXAS INSTRS INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>882508104</cusip><value>354556</value><shrsOrPrnAmt><sshPrnamt>2080</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2080</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>THERMO FISHER SCIENTIFIC INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>883556102</cusip><value>4202795</value><shrsOrPrnAmt><sshPrnamt>7918</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>7916</Sole><Shared>0</Shared><None>2</None></votingAuthority></infoTable><infoTable><nameOfIssuer>THERMO FISHER SCIENTIFIC INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>883556102</cusip><value>7961</value><shrsOrPrnAmt><sshPrnamt>15</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>15</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>3M CO</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>88579Y101</cusip><value>298334</value><shrsOrPrnAmt><sshPrnamt>2729</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2729</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>US BANCORP DEL</nameOfIssuer><titleOfClass>COM NEW</titleOfClass><cusip>902973304</cusip><value>233712</value><shrsOrPrnAmt><sshPrnamt>5400</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>5400</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>UNITED PARCEL SERVICE INC</nameOfIssuer><titleOfClass>CL B</titleOfClass><cusip>911312106</cusip><value>220122</value><shrsOrPrnAmt><sshPrnamt>1400</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1400</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>91324P102</cusip><value>16148940</value><shrsOrPrnAmt><sshPrnamt>30674</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>30668</Sole><Shared>0</Shared><None>6</None></votingAuthority></infoTable><infoTable><nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>91324P102</cusip><value>28429</value><shrsOrPrnAmt><sshPrnamt>54</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>54</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD STAR FDS</nameOfIssuer><titleOfClass>VG TL INTL STK F</titleOfClass><cusip>921909768</cusip><value>3804842</value><shrsOrPrnAmt><sshPrnamt>65646</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>65646</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer><titleOfClass>SHORT TRM BOND</titleOfClass><cusip>921937827</cusip><value>433083</value><shrsOrPrnAmt><sshPrnamt>5623</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>5623</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer><titleOfClass>HIGH DIV YLD</titleOfClass><cusip>921946406</cusip><value>2659138</value><shrsOrPrnAmt><sshPrnamt>23821</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>23821</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer><titleOfClass>INT TERM CORP</titleOfClass><cusip>92206C870</cusip><value>2317943</value><shrsOrPrnAmt><sshPrnamt>28518</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>28518</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer><titleOfClass>REAL ESTATE ETF</titleOfClass><cusip>922908553</cusip><value>274711</value><shrsOrPrnAmt><sshPrnamt>3109</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>3109</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer><titleOfClass>MID CAP ETF</titleOfClass><cusip>922908629</cusip><value>2264285</value><shrsOrPrnAmt><sshPrnamt>9733</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>9733</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer><titleOfClass>GROWTH ETF</titleOfClass><cusip>922908736</cusip><value>572951</value><shrsOrPrnAmt><sshPrnamt>1843</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1843</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer><titleOfClass>VALUE ETF</titleOfClass><cusip>922908744</cusip><value>445360</value><shrsOrPrnAmt><sshPrnamt>2979</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2979</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer><titleOfClass>SMALL CP ETF</titleOfClass><cusip>922908751</cusip><value>2031541</value><shrsOrPrnAmt><sshPrnamt>9523</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>9523</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>92343V104</cusip><value>315549</value><shrsOrPrnAmt><sshPrnamt>8370</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>354</Sole><Shared>0</Shared><None>8016</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VISA INC</nameOfIssuer><titleOfClass>COM CL A</titleOfClass><cusip>92826C839</cusip><value>1596726</value><shrsOrPrnAmt><sshPrnamt>6133</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>6133</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>WALMART INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>931142103</cusip><value>288657</value><shrsOrPrnAmt><sshPrnamt>1831</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1803</Sole><Shared>0</Shared><None>28</None></votingAuthority></infoTable></informationTable><!-- tableEntryCount=168 tableValueTotal=758869911 -->
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
