<SEC-DOCUMENT>0000908834-23-000041.txt : 20230505
<SEC-HEADER>0000908834-23-000041.hdr.sgml : 20230505
<ACCEPTANCE-DATETIME>20230505085659
ACCESSION NUMBER:		0000908834-23-000041
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20230331
FILED AS OF DATE:		20230505
DATE AS OF CHANGE:		20230505
EFFECTIVENESS DATE:		20230505

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			HORIZON BANCORP INC /IN/
		CENTRAL INDEX KEY:			0000706129
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				351562417
		STATE OF INCORPORATION:			IN
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		13F-HR
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	028-06479
		FILM NUMBER:		23891476

	BUSINESS ADDRESS:	
		STREET 1:		515 FRANKLIN STREET
		CITY:			MICHIGAN CITY
		STATE:			IN
		ZIP:			46360
		BUSINESS PHONE:		2198790211

	MAIL ADDRESS:	
		STREET 1:		515 FRANKLIN STREET
		CITY:			MICHIGAN CITY
		STATE:			IN
		ZIP:			46360

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	HORIZON BANCORP /IN/
		DATE OF NAME CHANGE:	19920703

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	CITIZENS MICHIANA FINANCIAL CORP
		DATE OF NAME CHANGE:	19861021
</SEC-HEADER>
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      <periodOfReport>03-31-2023</periodOfReport>
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        <name>HORIZON BANCORP INC /IN/</name>
        <address>
          <com:street1>515 FRANKLIN STREET</com:street1>
          <com:city>MICHIGAN CITY</com:city>
          <com:stateOrCountry>IN</com:stateOrCountry>
          <com:zipCode>46360</com:zipCode>
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    <signatureBlock>
      <name>Rebecca L Greenlaw</name>
      <title>VP, Trust Operations and Risk Management</title>
      <phone>219-873-2618</phone>
      <signature>Rebecca L Greenlaw</signature>
      <city>Michigan City</city>
      <stateOrCountry>IN</stateOrCountry>
      <signatureDate>05-05-2023</signatureDate>
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        <cusip>254687106</cusip>
        <value>54</value>
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        <cusip>254709108</cusip>
        <value>34</value>
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            <Sole>16</Sole>
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            <None>331</None>
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        <cusip>260557103</cusip>
        <value>9</value>
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            <sshPrnamt>170</sshPrnamt>
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            <None>170</None>
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        <cusip>26441C204</cusip>
        <value>10</value>
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            <Shared>0</Shared>
            <None>104</None>
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            <sshPrnamt>80</sshPrnamt>
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        <cusip>277432100</cusip>
        <value>143</value>
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        <cusip>28176E108</cusip>
        <value>11</value>
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            <sshPrnamt>130</sshPrnamt>
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        <value>120</value>
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            <None>552</None>
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        <cusip>29786A106</cusip>
        <value>7</value>
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            <sshPrnamt>59</sshPrnamt>
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        <cusip>30034W106</cusip>
        <value>8</value>
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            <sshPrnamt>134</sshPrnamt>
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            <None>134</None>
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        <cusip>30231G102</cusip>
        <value>92</value>
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            <sshPrnamt>838</sshPrnamt>
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            <None>838</None>
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        <nameOfIssuer>Meta Platforms Inc Cl A</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>30303M102</cusip>
        <value>131</value>
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            <sshPrnamt>616</sshPrnamt>
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            <None>589</None>
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        <value>174</value>
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        <value>241</value>
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        <titleOfClass>Com</titleOfClass>
        <cusip>31812F109</cusip>
        <value>11</value>
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            <sshPrnamt>368</sshPrnamt>
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            <None>368</None>
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        <titleOfClass>Com</titleOfClass>
        <cusip>320209109</cusip>
        <value>75</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3426</sshPrnamt>
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        <nameOfIssuer>First Trust Financials Alphadex</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>33734X135</cusip>
        <value>330</value>
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        <cusip>345370860</cusip>
        <value>22</value>
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        <titleOfClass>Com</titleOfClass>
        <cusip>35137L204</cusip>
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        <titleOfClass>Com</titleOfClass>
        <cusip>36266G107</cusip>
        <value>1</value>
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        <cusip>369550108</cusip>
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            <None>1471</None>
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        <value>7903</value>
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        <value>142</value>
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            <sshPrnamt>292</sshPrnamt>
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            <None>289</None>
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        <value>94</value>
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        <titleOfClass>Com</titleOfClass>
        <cusip>446413106</cusip>
        <value>114</value>
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            <sshPrnamt>552</sshPrnamt>
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            <None>537</None>
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        <cusip>452327109</cusip>
        <value>8</value>
        <shrsOrPrnAmt>
            <sshPrnamt>33</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
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            <None>18</None>
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        <value>130</value>
        <shrsOrPrnAmt>
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        <investmentDiscretion>OTR</investmentDiscretion>
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            <None>3934</None>
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        <titleOfClass>Com</titleOfClass>
        <cusip>459200101</cusip>
        <value>23</value>
        <shrsOrPrnAmt>
            <sshPrnamt>172</sshPrnamt>
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            <None>169</None>
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        <nameOfIssuer>International Flavors &amp; Fragrance</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>459506101</cusip>
        <value>6</value>
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            <sshPrnamt>64</sshPrnamt>
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        <titleOfClass>Com</titleOfClass>
        <cusip>460146103</cusip>
        <value>138</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3824</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
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            <Sole>148</Sole>
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            <None>3676</None>
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        <nameOfIssuer>Intuit</nameOfIssuer>
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        <cusip>461202103</cusip>
        <value>193</value>
        <shrsOrPrnAmt>
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            <None>412</None>
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        <nameOfIssuer>Invesco Dynamic Pharmaceuticals</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>46137V662</cusip>
        <value>90</value>
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            <None>654</None>
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        <nameOfIssuer>Invesco Dwa Basic Materials</nameOfIssuer>
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        <value>92</value>
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            <None>640</None>
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        <nameOfIssuer>Invesco Dwa Energy Momentum ETF</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>46137V878</cusip>
        <value>9</value>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>63</Sole>
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            <None>152</None>
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        <nameOfIssuer>Ishares Msci Eafe Index</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>464287465</cusip>
        <value>53</value>
        <shrsOrPrnAmt>
            <sshPrnamt>738</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>738</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>Ishares Expanded Tech Sector ETF</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>464287549</cusip>
        <value>721</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2124</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>738</Sole>
            <Shared>0</Shared>
            <None>1386</None>
        </votingAuthority>
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        <nameOfIssuer>Ishares Nasdaq Biotechnology</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>464287556</cusip>
        <value>82</value>
        <shrsOrPrnAmt>
            <sshPrnamt>636</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>217</Sole>
            <Shared>0</Shared>
            <None>419</None>
        </votingAuthority>
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        <nameOfIssuer>Ishares Russell 2000 Index</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>464287655</cusip>
        <value>36</value>
        <shrsOrPrnAmt>
            <sshPrnamt>202</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>202</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>Ishares Trust EAFE Small Cap ETF</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>464288273</cusip>
        <value>108</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1810</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>1810</None>
        </votingAuthority>
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        <nameOfIssuer>Ishares Intermediate Government Credit ETF</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>464288612</cusip>
        <value>64037</value>
        <shrsOrPrnAmt>
            <sshPrnamt>612855</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>169778</Sole>
            <Shared>5383</Shared>
            <None>437542</None>
        </votingAuthority>
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        <nameOfIssuer>Ishares Tr EAFE Value ETF</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>464288877</cusip>
        <value>126</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2602</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>2602</None>
        </votingAuthority>
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        <nameOfIssuer>Ishares Silver Trust</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>46428Q109</cusip>
        <value>10</value>
        <shrsOrPrnAmt>
            <sshPrnamt>437</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>437</None>
        </votingAuthority>
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        <nameOfIssuer>JPMorgan</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>46625H100</cusip>
        <value>3</value>
        <shrsOrPrnAmt>
            <sshPrnamt>20</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>20</None>
        </votingAuthority>
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        <nameOfIssuer>Johnson &amp; Johnson</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>478160104</cusip>
        <value>113</value>
        <shrsOrPrnAmt>
            <sshPrnamt>730</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>13</Sole>
            <Shared>0</Shared>
            <None>717</None>
        </votingAuthority>
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        <nameOfIssuer>Kite Realty Group Trust</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>49803T300</cusip>
        <value>10</value>
        <shrsOrPrnAmt>
            <sshPrnamt>466</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>466</None>
        </votingAuthority>
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        <nameOfIssuer>Kraft Heinz Company</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>500754106</cusip>
        <value>1</value>
        <shrsOrPrnAmt>
            <sshPrnamt>15</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>15</None>
        </votingAuthority>
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        <nameOfIssuer>Kroger CO</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>501044101</cusip>
        <value>7</value>
        <shrsOrPrnAmt>
            <sshPrnamt>150</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>150</None>
        </votingAuthority>
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        <nameOfIssuer>Kyndryl Hldgs Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>50155Q100</cusip>
        <value>1</value>
        <shrsOrPrnAmt>
            <sshPrnamt>34</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>34</None>
        </votingAuthority>
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        <nameOfIssuer>L3 Harris Technologies Inc Com</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>502431109</cusip>
        <value>152</value>
        <shrsOrPrnAmt>
            <sshPrnamt>776</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>28</Sole>
            <Shared>0</Shared>
            <None>748</None>
        </votingAuthority>
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        <nameOfIssuer>Laboratory Corp America Hldgs</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>50540R409</cusip>
        <value>141</value>
        <shrsOrPrnAmt>
            <sshPrnamt>615</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>32</Sole>
            <Shared>0</Shared>
            <None>583</None>
        </votingAuthority>
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        <nameOfIssuer>Leidos Holdings Inc Com</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>525327102</cusip>
        <value>111</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1205</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>64</Sole>
            <Shared>0</Shared>
            <None>1141</None>
        </votingAuthority>
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        <nameOfIssuer>Lilly Eli &amp; CO</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>532457108</cusip>
        <value>205</value>
        <shrsOrPrnAmt>
            <sshPrnamt>597</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>4</Sole>
            <Shared>0</Shared>
            <None>593</None>
        </votingAuthority>
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        <nameOfIssuer>Lions Gate Entertainment Corp Cl A</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>535919401</cusip>
        <value>1</value>
        <shrsOrPrnAmt>
            <sshPrnamt>50</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>50</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>Lions Gate Entertainment Corp Cl B</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>535919500</cusip>
        <value>1</value>
        <shrsOrPrnAmt>
            <sshPrnamt>100</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>100</None>
        </votingAuthority>
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        <nameOfIssuer>Lockheed Martin Corp</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>539830109</cusip>
        <value>165</value>
        <shrsOrPrnAmt>
            <sshPrnamt>349</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>16</Sole>
            <Shared>0</Shared>
            <None>333</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>Msc Industrial Direct Inc Cl A</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>553530106</cusip>
        <value>6</value>
        <shrsOrPrnAmt>
            <sshPrnamt>69</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>6</Sole>
            <Shared>0</Shared>
            <None>63</None>
        </votingAuthority>
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        <nameOfIssuer>ManpowerGroup Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>56418H100</cusip>
        <value>17</value>
        <shrsOrPrnAmt>
            <sshPrnamt>200</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>200</None>
        </votingAuthority>
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        <nameOfIssuer>Marathon Digital Holdings Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>565788106</cusip>
        <value>18</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2030</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>2030</None>
        </votingAuthority>
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        <titleOfClass>Com</titleOfClass>
        <cusip>565849106</cusip>
        <value>33</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1360</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>110</Sole>
            <Shared>0</Shared>
            <None>1250</None>
        </votingAuthority>
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        <titleOfClass>Com</titleOfClass>
        <cusip>57636Q104</cusip>
        <value>188</value>
        <shrsOrPrnAmt>
            <sshPrnamt>518</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>22</Sole>
            <Shared>0</Shared>
            <None>496</None>
        </votingAuthority>
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        <nameOfIssuer>McDonalds Corp</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>580135101</cusip>
        <value>13</value>
        <shrsOrPrnAmt>
            <sshPrnamt>45</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>45</None>
        </votingAuthority>
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        <titleOfClass>Com</titleOfClass>
        <cusip>58933Y105</cusip>
        <value>47</value>
        <shrsOrPrnAmt>
            <sshPrnamt>438</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>438</None>
        </votingAuthority>
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        <titleOfClass>Com</titleOfClass>
        <cusip>594918104</cusip>
        <value>285</value>
        <shrsOrPrnAmt>
            <sshPrnamt>990</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>28</Sole>
            <Shared>0</Shared>
            <None>962</None>
        </votingAuthority>
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        <nameOfIssuer>Morgan Stanley</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>617446448</cusip>
        <value>26</value>
        <shrsOrPrnAmt>
            <sshPrnamt>300</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>300</None>
        </votingAuthority>
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        <nameOfIssuer>Motorola Solutions Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>620076307</cusip>
        <value>173</value>
        <shrsOrPrnAmt>
            <sshPrnamt>604</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>35</Sole>
            <Shared>0</Shared>
            <None>569</None>
        </votingAuthority>
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        <nameOfIssuer>Nasdaq Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>631103108</cusip>
        <value>126</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2305</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>112</Sole>
            <Shared>0</Shared>
            <None>2193</None>
        </votingAuthority>
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        <nameOfIssuer>Nextera Energy Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>65339F101</cusip>
        <value>15</value>
        <shrsOrPrnAmt>
            <sshPrnamt>200</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>200</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>Nisource Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>65473P105</cusip>
        <value>474</value>
        <shrsOrPrnAmt>
            <sshPrnamt>16963</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>16963</None>
        </votingAuthority>
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        <nameOfIssuer>Northrop Grumman Corp</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>666807102</cusip>
        <value>196</value>
        <shrsOrPrnAmt>
            <sshPrnamt>425</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>29</Sole>
            <Shared>0</Shared>
            <None>396</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>Nuveen Select Tax-Free Income ETF</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>67062F100</cusip>
        <value>32</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2253</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>2253</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>O'Reilly Automotive Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>67103H107</cusip>
        <value>47</value>
        <shrsOrPrnAmt>
            <sshPrnamt>55</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>6</Sole>
            <Shared>0</Shared>
            <None>49</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>Omnicom Group</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>681919106</cusip>
        <value>18</value>
        <shrsOrPrnAmt>
            <sshPrnamt>196</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>19</Sole>
            <Shared>0</Shared>
            <None>177</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>Oracle Corp</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>68389X105</cusip>
        <value>345</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3712</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>3712</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>Organon &amp; Co</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>68622V106</cusip>
        <value>1</value>
        <shrsOrPrnAmt>
            <sshPrnamt>43</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>43</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Palantir Technologies Inc Cl A</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>69608A108</cusip>
        <value>1</value>
        <shrsOrPrnAmt>
            <sshPrnamt>100</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>100</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>Pepsico Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>713448108</cusip>
        <value>41</value>
        <shrsOrPrnAmt>
            <sshPrnamt>227</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>12</Sole>
            <Shared>0</Shared>
            <None>215</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Pfizer Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>717081103</cusip>
        <value>4170</value>
        <shrsOrPrnAmt>
            <sshPrnamt>102218</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>88</Sole>
            <Shared>0</Shared>
            <None>102130</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Philip Morris International Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>718172109</cusip>
        <value>229</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2356</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>70</Sole>
            <Shared>0</Shared>
            <None>2286</None>
        </votingAuthority>
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        <nameOfIssuer>Phillips 66</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>718546104</cusip>
        <value>15</value>
        <shrsOrPrnAmt>
            <sshPrnamt>144</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>144</None>
        </votingAuthority>
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        <nameOfIssuer>Portillos Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>73642K106</cusip>
        <value>1</value>
        <shrsOrPrnAmt>
            <sshPrnamt>50</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>50</None>
        </votingAuthority>
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        <nameOfIssuer>Procter &amp; Gamble CO</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>742718109</cusip>
        <value>66</value>
        <shrsOrPrnAmt>
            <sshPrnamt>444</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>444</None>
        </votingAuthority>
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        <nameOfIssuer>Prologis Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>74340W103</cusip>
        <value>5</value>
        <shrsOrPrnAmt>
            <sshPrnamt>38</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>38</None>
        </votingAuthority>
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        <nameOfIssuer>Proshares Tr S&amp;P 500 Dv Arist</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>74348A467</cusip>
        <value>15</value>
        <shrsOrPrnAmt>
            <sshPrnamt>166</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>166</None>
        </votingAuthority>
    </infoTable>
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        <nameOfIssuer>Prudential Financial Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>744320102</cusip>
        <value>51</value>
        <shrsOrPrnAmt>
            <sshPrnamt>619</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>619</None>
        </votingAuthority>
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        <nameOfIssuer>Qualcomm Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>747525103</cusip>
        <value>184</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1443</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>58</Sole>
            <Shared>0</Shared>
            <None>1385</None>
        </votingAuthority>
    </infoTable>
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        <nameOfIssuer>Raytheon Technologies Corp</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>75513E101</cusip>
        <value>106</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1083</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>1083</None>
        </votingAuthority>
    </infoTable>
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        <nameOfIssuer>Riot Platforms, Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>767292105</cusip>
        <value>19</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1900</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>1900</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Rivian Automotive Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>76954A103</cusip>
        <value>0</value>
        <shrsOrPrnAmt>
            <sshPrnamt>10</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>10</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Roper Technologies, Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>776696106</cusip>
        <value>7</value>
        <shrsOrPrnAmt>
            <sshPrnamt>16</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>1</Sole>
            <Shared>0</Shared>
            <None>15</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>S&amp;P Global Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>78409V104</cusip>
        <value>145</value>
        <shrsOrPrnAmt>
            <sshPrnamt>422</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>21</Sole>
            <Shared>0</Shared>
            <None>401</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>SPDR S&amp;P 500</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>78462F103</cusip>
        <value>140</value>
        <shrsOrPrnAmt>
            <sshPrnamt>343</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>324</Sole>
            <Shared>0</Shared>
            <None>19</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>SPDR Gold Shares</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>78463V107</cusip>
        <value>14</value>
        <shrsOrPrnAmt>
            <sshPrnamt>75</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>75</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>SPDR S&amp;P Regional Banking ETF</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>78464A698</cusip>
        <value>30</value>
        <shrsOrPrnAmt>
            <sshPrnamt>695</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>53</Sole>
            <Shared>0</Shared>
            <None>642</None>
        </votingAuthority>
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        <nameOfIssuer>SPDR S&amp;P Dividend</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>78464A763</cusip>
        <value>841</value>
        <shrsOrPrnAmt>
            <sshPrnamt>6796</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>515</Sole>
            <Shared>0</Shared>
            <None>6281</None>
        </votingAuthority>
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        <nameOfIssuer>Sandstorm Gold Ltd</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>80013R206</cusip>
        <value>3</value>
        <shrsOrPrnAmt>
            <sshPrnamt>478</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>478</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>SPDR Energy Select Sector SPDR</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>81369Y506</cusip>
        <value>117</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1410</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>247</Sole>
            <Shared>0</Shared>
            <None>1163</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>Select Sect Finance</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>81369Y605</cusip>
        <value>13</value>
        <shrsOrPrnAmt>
            <sshPrnamt>416</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>416</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>Select Sector SPDR TR SBI Int</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>81369Y704</cusip>
        <value>4</value>
        <shrsOrPrnAmt>
            <sshPrnamt>38</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>38</None>
        </votingAuthority>
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        <nameOfIssuer>SPDR Utilities Select Sector</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>81369Y886</cusip>
        <value>160</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2366</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>595</Sole>
            <Shared>0</Shared>
            <None>1771</None>
        </votingAuthority>
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        <nameOfIssuer>Servicenow Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>81762P102</cusip>
        <value>157</value>
        <shrsOrPrnAmt>
            <sshPrnamt>337</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>12</Sole>
            <Shared>0</Shared>
            <None>325</None>
        </votingAuthority>
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        <nameOfIssuer>A O Smith Corp</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>831865209</cusip>
        <value>140</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2020</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>91</Sole>
            <Shared>0</Shared>
            <None>1929</None>
        </votingAuthority>
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        <titleOfClass>Com</titleOfClass>
        <cusip>844741108</cusip>
        <value>4</value>
        <shrsOrPrnAmt>
            <sshPrnamt>110</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>110</None>
        </votingAuthority>
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        <nameOfIssuer>Starbucks Corp</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>855244109</cusip>
        <value>17</value>
        <shrsOrPrnAmt>
            <sshPrnamt>160</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>160</None>
        </votingAuthority>
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        <nameOfIssuer>TJX Cos Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>872540109</cusip>
        <value>54</value>
        <shrsOrPrnAmt>
            <sshPrnamt>685</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>50</Sole>
            <Shared>0</Shared>
            <None>635</None>
        </votingAuthority>
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        <nameOfIssuer>Textron Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>883203101</cusip>
        <value>127</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1800</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>102</Sole>
            <Shared>0</Shared>
            <None>1698</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>3M CO</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>88579Y101</cusip>
        <value>26</value>
        <shrsOrPrnAmt>
            <sshPrnamt>250</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>250</None>
        </votingAuthority>
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        <nameOfIssuer>United Parcel Service Inc Cl B</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>911312106</cusip>
        <value>165</value>
        <shrsOrPrnAmt>
            <sshPrnamt>849</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>44</Sole>
            <Shared>0</Shared>
            <None>805</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>Vaneck ETF Trust AgriBusiness</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>92189F700</cusip>
        <value>12</value>
        <shrsOrPrnAmt>
            <sshPrnamt>139</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>12</Sole>
            <Shared>0</Shared>
            <None>127</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>Vanguard Specialized Funds ETF</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>921908844</cusip>
        <value>4</value>
        <shrsOrPrnAmt>
            <sshPrnamt>28</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>28</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>Vanguard Bd Index Fds</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>921937835</cusip>
        <value>63853</value>
        <shrsOrPrnAmt>
            <sshPrnamt>864868</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>239775</Sole>
            <Shared>7591</Shared>
            <None>617288</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>Vanguard Consumer Discretionary</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>92204A108</cusip>
        <value>542</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2148</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>365</Sole>
            <Shared>0</Shared>
            <None>1783</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>Vanguard Consumer Staples ETF</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>92204A207</cusip>
        <value>213</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1102</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>471</Sole>
            <Shared>0</Shared>
            <None>631</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>Vanguard World Fds ETF</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>92204A306</cusip>
        <value>11</value>
        <shrsOrPrnAmt>
            <sshPrnamt>100</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>100</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>Vanguard Financials ETF</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>92204A405</cusip>
        <value>129</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1655</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>810</Sole>
            <Shared>0</Shared>
            <None>845</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>Vanguard Health Care Index Fund</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>92204A504</cusip>
        <value>189</value>
        <shrsOrPrnAmt>
            <sshPrnamt>794</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>330</Sole>
            <Shared>0</Shared>
            <None>464</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Vanguard Industrials ETF</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>92204A603</cusip>
        <value>137</value>
        <shrsOrPrnAmt>
            <sshPrnamt>721</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>355</Sole>
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