<SEC-DOCUMENT>0000908834-25-000006.txt : 20250113
<SEC-HEADER>0000908834-25-000006.hdr.sgml : 20250113
<ACCEPTANCE-DATETIME>20250113170544
ACCESSION NUMBER:		0000908834-25-000006
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20241231
FILED AS OF DATE:		20250113
DATE AS OF CHANGE:		20250113
EFFECTIVENESS DATE:		20250113

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			HORIZON BANCORP INC /IN/
		CENTRAL INDEX KEY:			0000706129
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		ORGANIZATION NAME:           	02 Finance
		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:		25526998

	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>
<DOCUMENT>
<TYPE>13F-HR
<SEQUENCE>1
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      <periodOfReport>12-31-2024</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>/s/ Rebecca L Greenlaw</signature>
      <city>Michigan City</city>
      <stateOrCountry>IN</stateOrCountry>
      <signatureDate>01-13-2025</signatureDate>
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        <value>31</value>
        <shrsOrPrnAmt>
            <sshPrnamt>308</sshPrnamt>
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        <votingAuthority>
            <Sole>28</Sole>
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            <None>280</None>
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        <titleOfClass>Com</titleOfClass>
        <cusip>209115104</cusip>
        <value>13</value>
        <shrsOrPrnAmt>
            <sshPrnamt>144</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
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            <Shared>0</Shared>
            <None>144</None>
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        <nameOfIssuer>Constellation Brands Inc Cl A</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>21036P108</cusip>
        <value>28</value>
        <shrsOrPrnAmt>
            <sshPrnamt>125</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
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            <Shared>0</Shared>
            <None>125</None>
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        <titleOfClass>Com</titleOfClass>
        <cusip>22052L104</cusip>
        <value>266</value>
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            <sshPrnamt>4670</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
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            <None>4670</None>
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        <titleOfClass>Com</titleOfClass>
        <cusip>22160K105</cusip>
        <value>564</value>
        <shrsOrPrnAmt>
            <sshPrnamt>616</sshPrnamt>
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            <None>537</None>
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        <cusip>231021106</cusip>
        <value>52</value>
        <shrsOrPrnAmt>
            <sshPrnamt>149</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
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            <Shared>0</Shared>
            <None>149</None>
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        <cusip>233331107</cusip>
        <value>19</value>
        <shrsOrPrnAmt>
            <sshPrnamt>156</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
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            <None>156</None>
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        <cusip>23345M107</cusip>
        <value>7</value>
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            <sshPrnamt>66</sshPrnamt>
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        <votingAuthority>
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            <Shared>0</Shared>
            <None>66</None>
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        <cusip>254687106</cusip>
        <value>222</value>
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            <sshPrnamt>1997</sshPrnamt>
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        <votingAuthority>
            <Sole>336</Sole>
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            <None>1661</None>
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        <cusip>260557103</cusip>
        <value>67</value>
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            <sshPrnamt>1670</sshPrnamt>
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            <None>1670</None>
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        <nameOfIssuer>DuPont de Nemours Inc Com</nameOfIssuer>
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        <cusip>26614N102</cusip>
        <value>337</value>
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            <sshPrnamt>4420</sshPrnamt>
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        <votingAuthority>
            <Sole>187</Sole>
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            <None>4233</None>
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        <titleOfClass>Com</titleOfClass>
        <cusip>26875P101</cusip>
        <value>118</value>
        <shrsOrPrnAmt>
            <sshPrnamt>965</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>138</Sole>
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            <None>827</None>
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        <nameOfIssuer>Eaton Vance Ltd Duration Incom</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>27828H105</cusip>
        <value>0</value>
        <shrsOrPrnAmt>
            <sshPrnamt>42</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>42</None>
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        <cusip>281020107</cusip>
        <value>1</value>
        <shrsOrPrnAmt>
            <sshPrnamt>7</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>7</None>
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        <titleOfClass>Com</titleOfClass>
        <cusip>30231G102</cusip>
        <value>328</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3051</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>222</Sole>
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            <None>2829</None>
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        <nameOfIssuer>Meta Platforms Inc Cl A</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>30303M102</cusip>
        <value>609</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1040</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>132</Sole>
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            <None>908</None>
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        <titleOfClass>Com</titleOfClass>
        <cusip>31428X106</cusip>
        <value>156</value>
        <shrsOrPrnAmt>
            <sshPrnamt>556</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>52</Sole>
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            <None>504</None>
        </votingAuthority>
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        <nameOfIssuer>Finward Bancorp</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>31812F109</cusip>
        <value>8</value>
        <shrsOrPrnAmt>
            <sshPrnamt>268</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
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            <None>268</None>
        </votingAuthority>
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        <nameOfIssuer>First Financial Bancorp</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>320209109</cusip>
        <value>92</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3426</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
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            <None>0</None>
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        <nameOfIssuer>First Trust Financials Alphadex</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>33734X135</cusip>
        <value>72</value>
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            <sshPrnamt>1334</sshPrnamt>
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            <Sole>583</Sole>
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            <None>751</None>
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        <nameOfIssuer>Flexshares Morningstar Global Ups</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>33939L407</cusip>
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            <None>62291</None>
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        <cusip>33939L506</cusip>
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        <votingAuthority>
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        <nameOfIssuer>Flexshares High Yield VL ETF</nameOfIssuer>
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        <cusip>33939L662</cusip>
        <value>4754</value>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
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            <None>89749</None>
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        <nameOfIssuer>Flexshares Credit Scored US Corp Bond</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>33939L761</cusip>
        <value>7619</value>
        <shrsOrPrnAmt>
            <sshPrnamt>159728</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
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        <nameOfIssuer>Flexshares Quality Dividend Index ETF</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>33939L860</cusip>
        <value>3710</value>
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            <sshPrnamt>52582</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
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            <None>42518</None>
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        <titleOfClass>Com</titleOfClass>
        <cusip>34965K107</cusip>
        <value>2</value>
        <shrsOrPrnAmt>
            <sshPrnamt>128</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
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            <None>128</None>
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        <titleOfClass>Com</titleOfClass>
        <cusip>35671D857</cusip>
        <value>79</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2062</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
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            <None>1760</None>
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        <nameOfIssuer>GE Healthcare Technologies Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>36266G107</cusip>
        <value>1</value>
        <shrsOrPrnAmt>
            <sshPrnamt>13</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
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            <None>13</None>
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        <titleOfClass>Com</titleOfClass>
        <cusip>369550108</cusip>
        <value>256</value>
        <shrsOrPrnAmt>
            <sshPrnamt>970</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>111</Sole>
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            <None>859</None>
        </votingAuthority>
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        <nameOfIssuer>GSK PLC ADr</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>37733W204</cusip>
        <value>143</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4235</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>668</Sole>
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            <None>3567</None>
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        <nameOfIssuer>Goldman Sachs Physical Gold Unit</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>38150K103</cusip>
        <value>334</value>
        <shrsOrPrnAmt>
            <sshPrnamt>12889</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>9495</Sole>
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            <None>3394</None>
        </votingAuthority>
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        <nameOfIssuer>Grainger Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>384802104</cusip>
        <value>172</value>
        <shrsOrPrnAmt>
            <sshPrnamt>163</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>22</Sole>
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            <None>141</None>
        </votingAuthority>
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        <nameOfIssuer>Halliburton CO</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>406216101</cusip>
        <value>72</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2638</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>456</Sole>
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            <None>2182</None>
        </votingAuthority>
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        <nameOfIssuer>Healthpeak Pptys Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>42250P103</cusip>
        <value>3</value>
        <shrsOrPrnAmt>
            <sshPrnamt>133</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>133</None>
        </votingAuthority>
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        <nameOfIssuer>Home Depot Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>437076102</cusip>
        <value>230</value>
        <shrsOrPrnAmt>
            <sshPrnamt>592</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>80</Sole>
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            <None>512</None>
        </votingAuthority>
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        <nameOfIssuer>Honeywell International Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>438516106</cusip>
        <value>227</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1006</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>135</Sole>
            <Shared>0</Shared>
            <None>871</None>
        </votingAuthority>
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        <nameOfIssuer>Horizon Bancorp Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>440407104</cusip>
        <value>9227</value>
        <shrsOrPrnAmt>
            <sshPrnamt>572730</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>51971</Sole>
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            <None>520759</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>Huntington Bancshares</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>446150104</cusip>
        <value>133</value>
        <shrsOrPrnAmt>
            <sshPrnamt>8151</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
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            <None>8151</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>Intel Corp</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>458140100</cusip>
        <value>64</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3194</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>37</Sole>
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            <None>3157</None>
        </votingAuthority>
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        <nameOfIssuer>Intercontinental Exchange Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>45866F104</cusip>
        <value>188</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1261</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>183</Sole>
            <Shared>0</Shared>
            <None>1078</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>International Business Machines</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>459200101</cusip>
        <value>55</value>
        <shrsOrPrnAmt>
            <sshPrnamt>250</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>42</Sole>
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            <sshPrnamt>64</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
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            <sshPrnamt>487</sshPrnamt>
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            <None>92</None>
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            <None>93</None>
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            <None>0</None>
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            <None>84454</None>
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        <value>501</value>
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            <sshPrnamt>4910</sshPrnamt>
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            <None>145</None>
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        <value>24</value>
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            <sshPrnamt>145</sshPrnamt>
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            <None>182</None>
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        <value>98</value>
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            <sshPrnamt>1613</sshPrnamt>
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            <None>1613</None>
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        <value>30951</value>
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            <sshPrnamt>296950</sshPrnamt>
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        <cusip>464288877</cusip>
        <value>154</value>
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            <sshPrnamt>2925</sshPrnamt>
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            <None>2925</None>
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        <cusip>46432F842</cusip>
        <value>7086</value>
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        <cusip>46434V381</cusip>
        <value>1</value>
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            <sshPrnamt>17</sshPrnamt>
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            <sshPrnamt>214</sshPrnamt>
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            <sshPrnamt>65</sshPrnamt>
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        <value>117</value>
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            <sshPrnamt>152</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
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            <None>152</None>
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        <cusip>539830109</cusip>
        <value>47</value>
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            <sshPrnamt>96</sshPrnamt>
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            <None>96</None>
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            <sshPrnamt>1016</sshPrnamt>
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        <votingAuthority>
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            <None>882</None>
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        <value>180</value>
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            <sshPrnamt>2481</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>342</Sole>
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            <None>2139</None>
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        <value>558</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1059</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>133</Sole>
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            <None>926</None>
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        <titleOfClass>Com</titleOfClass>
        <cusip>580135101</cusip>
        <value>128</value>
        <shrsOrPrnAmt>
            <sshPrnamt>442</sshPrnamt>
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            <Sole>67</Sole>
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            <None>375</None>
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        <cusip>58933Y105</cusip>
        <value>1036</value>
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            <sshPrnamt>10414</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
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            <None>10414</None>
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        <titleOfClass>Com</titleOfClass>
        <cusip>594918104</cusip>
        <value>1381</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3276</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>449</Sole>
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            <None>2827</None>
        </votingAuthority>
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        <cusip>595017104</cusip>
        <value>79</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1372</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>194</Sole>
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            <None>1178</None>
        </votingAuthority>
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        <titleOfClass>Com</titleOfClass>
        <cusip>609207105</cusip>
        <value>188</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3148</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>512</Sole>
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            <None>2636</None>
        </votingAuthority>
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        <titleOfClass>Com</titleOfClass>
        <cusip>620076307</cusip>
        <value>64</value>
        <shrsOrPrnAmt>
            <sshPrnamt>139</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
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            <None>139</None>
        </votingAuthority>
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        <titleOfClass>Com</titleOfClass>
        <cusip>65339F101</cusip>
        <value>146</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2030</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>272</Sole>
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            <None>1758</None>
        </votingAuthority>
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        <titleOfClass>Com</titleOfClass>
        <cusip>654106103</cusip>
        <value>96</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1263</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>252</Sole>
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            <None>1011</None>
        </votingAuthority>
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        <nameOfIssuer>Nisource Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>65473P105</cusip>
        <value>595</value>
        <shrsOrPrnAmt>
            <sshPrnamt>16197</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
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            <None>16197</None>
        </votingAuthority>
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        <titleOfClass>Com</titleOfClass>
        <cusip>655844108</cusip>
        <value>256</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1092</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>150</Sole>
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            <None>942</None>
        </votingAuthority>
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        <nameOfIssuer>Northrop Grumman Corp</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>666807102</cusip>
        <value>55</value>
        <shrsOrPrnAmt>
            <sshPrnamt>118</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
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            <None>118</None>
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        <titleOfClass>Com</titleOfClass>
        <cusip>67066G104</cusip>
        <value>1351</value>
        <shrsOrPrnAmt>
            <sshPrnamt>10063</sshPrnamt>
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        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>1300</Sole>
            <Shared>0</Shared>
            <None>8763</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>O'Reilly Automotive Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>67103H107</cusip>
        <value>14</value>
        <shrsOrPrnAmt>
            <sshPrnamt>12</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>12</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Occidental Petroleum Corp</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>674599105</cusip>
        <value>15</value>
        <shrsOrPrnAmt>
            <sshPrnamt>300</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>300</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Oracle Corp</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>68389X105</cusip>
        <value>834</value>
        <shrsOrPrnAmt>
            <sshPrnamt>5004</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>204</Sole>
            <Shared>0</Shared>
            <None>4800</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Organon &amp; Co</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>68622V106</cusip>
        <value>25</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1651</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>1651</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>PPL Corp</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>69351T106</cusip>
        <value>3</value>
        <shrsOrPrnAmt>
            <sshPrnamt>96</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>96</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Palantir Technologies Inc Cl A</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>69608A108</cusip>
        <value>8</value>
        <shrsOrPrnAmt>
            <sshPrnamt>100</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>100</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Palo Alto Networks Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>697435105</cusip>
        <value>241</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1324</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>164</Sole>
            <Shared>0</Shared>
            <None>1160</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Paypal Hldgs Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>70450Y103</cusip>
        <value>165</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1934</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>217</Sole>
            <Shared>0</Shared>
            <None>1717</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Pepsico Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>713448108</cusip>
        <value>16</value>
        <shrsOrPrnAmt>
            <sshPrnamt>104</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>12</Sole>
            <Shared>0</Shared>
            <None>92</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Pfizer Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>717081103</cusip>
        <value>1814</value>
        <shrsOrPrnAmt>
            <sshPrnamt>68383</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>585</Sole>
            <Shared>0</Shared>
            <None>67798</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Philip Morris International Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>718172109</cusip>
        <value>60</value>
        <shrsOrPrnAmt>
            <sshPrnamt>500</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>500</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Portillos Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>73642K106</cusip>
        <value>1</value>
        <shrsOrPrnAmt>
            <sshPrnamt>50</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>50</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Procter &amp; Gamble CO</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>742718109</cusip>
        <value>165</value>
        <shrsOrPrnAmt>
            <sshPrnamt>985</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>137</Sole>
            <Shared>0</Shared>
            <None>848</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Public Svc Enterprise Grp Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>744573106</cusip>
        <value>10</value>
        <shrsOrPrnAmt>
            <sshPrnamt>120</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>120</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Qualcomm Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>747525103</cusip>
        <value>42</value>
        <shrsOrPrnAmt>
            <sshPrnamt>274</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>274</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>RTX CORPORATION</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>75513E101</cusip>
        <value>125</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1083</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>1083</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Roper Technologies, Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>776696106</cusip>
        <value>3</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>3</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>S&amp;P Global Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>78409V104</cusip>
        <value>43</value>
        <shrsOrPrnAmt>
            <sshPrnamt>87</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>87</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>SPDR S&amp;P 500</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>78462F103</cusip>
        <value>1939</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3308</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>978</Sole>
            <Shared>0</Shared>
            <None>2330</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Spdr Ix Shs Fun/Dow Jones Intl Rl ETF</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>78463X863</cusip>
        <value>5</value>
        <shrsOrPrnAmt>
            <sshPrnamt>208</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>208</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>SPDR S&amp;P 500 Value ETF</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>78464A508</cusip>
        <value>2</value>
        <shrsOrPrnAmt>
            <sshPrnamt>36</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>36</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>SPDR S&amp;P Regional Banking ETF</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>78464A698</cusip>
        <value>11</value>
        <shrsOrPrnAmt>
            <sshPrnamt>176</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>53</Sole>
            <Shared>0</Shared>
            <None>123</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>SPDR S&amp;P Dividend</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>78464A763</cusip>
        <value>172</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1304</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>1304</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>SPDR S&amp;P 500 Large Cap ETF</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>78464A854</cusip>
        <value>2</value>
        <shrsOrPrnAmt>
            <sshPrnamt>29</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>29</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>SPDR S&amp;P Kensho New Economies Composite ETF</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>78468R648</cusip>
        <value>1</value>
        <shrsOrPrnAmt>
            <sshPrnamt>8</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>8</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>Salesforce Com Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>79466L302</cusip>
        <value>322</value>
        <shrsOrPrnAmt>
            <sshPrnamt>963</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>137</Sole>
            <Shared>0</Shared>
            <None>826</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Sandstorm Gold Ltd</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>80013R206</cusip>
        <value>3</value>
        <shrsOrPrnAmt>
            <sshPrnamt>478</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>478</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Schlumberger</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>806857108</cusip>
        <value>122</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3174</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>444</Sole>
            <Shared>0</Shared>
            <None>2730</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Charles Schwab Corp</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>808513105</cusip>
        <value>186</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2507</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>321</Sole>
            <Shared>0</Shared>
            <None>2186</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Select Sector Spdr</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>81369Y308</cusip>
        <value>35</value>
        <shrsOrPrnAmt>
            <sshPrnamt>445</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>445</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>SPDR Energy Select Sector SPDR</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>81369Y506</cusip>
        <value>142</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1653</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>224</Sole>
            <Shared>0</Shared>
            <None>1429</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>SPDR Utilities Select Sector</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>81369Y886</cusip>
        <value>141</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1869</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>82</Sole>
            <Shared>0</Shared>
            <None>1787</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Servicenow Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>81762P102</cusip>
        <value>299</value>
        <shrsOrPrnAmt>
            <sshPrnamt>282</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>25</Sole>
            <Shared>0</Shared>
            <None>257</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Solventum Corp</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>83444M101</cusip>
        <value>4</value>
        <shrsOrPrnAmt>
            <sshPrnamt>62</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>62</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Southwest Airlines CO</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>844741108</cusip>
        <value>4</value>
        <shrsOrPrnAmt>
            <sshPrnamt>110</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>110</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Starbucks Corp</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>855244109</cusip>
        <value>5</value>
        <shrsOrPrnAmt>
            <sshPrnamt>60</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>60</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>TJX Cos Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>872540109</cusip>
        <value>269</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2229</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>303</Sole>
            <Shared>0</Shared>
            <None>1926</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Textron Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>883203101</cusip>
        <value>36</value>
        <shrsOrPrnAmt>
            <sshPrnamt>468</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>468</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>3M CO</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>88579Y101</cusip>
        <value>32</value>
        <shrsOrPrnAmt>
            <sshPrnamt>250</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>250</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Truist Finl Corp</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>89832Q109</cusip>
        <value>194</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4481</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>652</Sole>
            <Shared>0</Shared>
            <None>3829</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>United Parcel Service Inc Cl B</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>911312106</cusip>
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