<SEC-DOCUMENT>0000908834-25-000124.txt : 20250423
<SEC-HEADER>0000908834-25-000124.hdr.sgml : 20250423
<ACCEPTANCE-DATETIME>20250423103920
ACCESSION NUMBER:		0000908834-25-000124
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20250331
FILED AS OF DATE:		20250423
DATE AS OF CHANGE:		20250423
EFFECTIVENESS DATE:		20250423

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
		EIN:				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:		25859650

	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>03-31-2025</periodOfReport>
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          <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>04-23-2025</signatureDate>
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        <value>32</value>
        <shrsOrPrnAmt>
            <sshPrnamt>308</sshPrnamt>
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        <votingAuthority>
            <Sole>28</Sole>
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            <None>280</None>
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        <cusip>209115104</cusip>
        <value>16</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>23</value>
        <shrsOrPrnAmt>
            <sshPrnamt>125</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>125</None>
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        <titleOfClass>Com</titleOfClass>
        <cusip>22052L104</cusip>
        <value>231</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3670</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
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            <None>3670</None>
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        <titleOfClass>Com</titleOfClass>
        <cusip>22160K105</cusip>
        <value>438</value>
        <shrsOrPrnAmt>
            <sshPrnamt>463</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>32</Sole>
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            <None>431</None>
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        <cusip>231021106</cusip>
        <value>37</value>
        <shrsOrPrnAmt>
            <sshPrnamt>118</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>118</None>
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        <titleOfClass>Com</titleOfClass>
        <cusip>233331107</cusip>
        <value>20</value>
        <shrsOrPrnAmt>
            <sshPrnamt>143</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
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            <None>143</None>
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        <cusip>23345M107</cusip>
        <value>6</value>
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            <sshPrnamt>66</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>66</None>
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        <cusip>254687106</cusip>
        <value>161</value>
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            <sshPrnamt>1631</sshPrnamt>
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        <votingAuthority>
            <Sole>87</Sole>
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            <None>1544</None>
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        <cusip>260557103</cusip>
        <value>6</value>
        <shrsOrPrnAmt>
            <sshPrnamt>170</sshPrnamt>
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        <votingAuthority>
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            <Shared>0</Shared>
            <None>170</None>
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        <titleOfClass>Com</titleOfClass>
        <cusip>26614N102</cusip>
        <value>96</value>
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            <sshPrnamt>1280</sshPrnamt>
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        <votingAuthority>
            <Sole>80</Sole>
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            <None>1200</None>
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        <titleOfClass>Com</titleOfClass>
        <cusip>26875P101</cusip>
        <value>112</value>
        <shrsOrPrnAmt>
            <sshPrnamt>875</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>59</Sole>
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            <None>816</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>0</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>344</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2893</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>96</Sole>
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            <None>2797</None>
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        <nameOfIssuer>Meta Platforms Inc Cl A</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>30303M102</cusip>
        <value>494</value>
        <shrsOrPrnAmt>
            <sshPrnamt>857</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>59</Sole>
            <Shared>0</Shared>
            <None>798</None>
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        <titleOfClass>Com</titleOfClass>
        <cusip>31428X106</cusip>
        <value>123</value>
        <shrsOrPrnAmt>
            <sshPrnamt>505</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>33</Sole>
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            <None>472</None>
        </votingAuthority>
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        <nameOfIssuer>Finward Bancorp</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>31812F109</cusip>
        <value>8</value>
        <shrsOrPrnAmt>
            <sshPrnamt>268</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>268</None>
        </votingAuthority>
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        <nameOfIssuer>First Financial Bancorp</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>320209109</cusip>
        <value>86</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3426</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>3426</Sole>
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            <None>0</None>
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        <nameOfIssuer>First Trust Financials Alphadex</nameOfIssuer>
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        <cusip>33734X135</cusip>
        <value>48</value>
        <shrsOrPrnAmt>
            <sshPrnamt>898</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>147</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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            <sshPrnamt>68288</sshPrnamt>
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        <votingAuthority>
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            <None>54518</None>
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        <nameOfIssuer>Flexshares IBOXX 3 Year Target Date</nameOfIssuer>
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        <cusip>33939L506</cusip>
        <value>8046</value>
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            <sshPrnamt>330043</sshPrnamt>
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        <nameOfIssuer>Flexshares High Yield VL ETF</nameOfIssuer>
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        <cusip>33939L662</cusip>
        <value>4477</value>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
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            <None>90362</None>
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        <nameOfIssuer>Flexshares Credit Scored US Corp Bond</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>33939L761</cusip>
        <value>7812</value>
        <shrsOrPrnAmt>
            <sshPrnamt>161643</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>30344</Sole>
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            <None>131299</None>
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        <nameOfIssuer>Flexshares Quality Dividend Index ETF</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>33939L860</cusip>
        <value>2648</value>
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            <sshPrnamt>38729</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
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            <None>31797</None>
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        <cusip>34965K107</cusip>
        <value>1</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>72</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1899</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
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            <None>1771</None>
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        <nameOfIssuer>GE Healthcare Technologies Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>36266G107</cusip>
        <value>1</value>
        <shrsOrPrnAmt>
            <sshPrnamt>13</sshPrnamt>
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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>226</value>
        <shrsOrPrnAmt>
            <sshPrnamt>829</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>48</Sole>
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            <None>781</None>
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        <nameOfIssuer>GSK PLC ADr</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>37733W204</cusip>
        <value>151</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3895</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>314</Sole>
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            <None>3581</None>
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        <nameOfIssuer>Goldman Sachs Physical Gold Unit</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>38150K103</cusip>
        <value>398</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>35</value>
        <shrsOrPrnAmt>
            <sshPrnamt>35</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>3</Sole>
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            <None>32</None>
        </votingAuthority>
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        <nameOfIssuer>Halliburton CO</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>406216101</cusip>
        <value>70</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2757</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>191</Sole>
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            <None>2566</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>202</value>
        <shrsOrPrnAmt>
            <sshPrnamt>551</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>37</Sole>
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            <None>514</None>
        </votingAuthority>
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        <nameOfIssuer>Honeywell International Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>438516106</cusip>
        <value>193</value>
        <shrsOrPrnAmt>
            <sshPrnamt>912</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>61</Sole>
            <Shared>0</Shared>
            <None>851</None>
        </votingAuthority>
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        <nameOfIssuer>Horizon Bancorp Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>440407104</cusip>
        <value>5610</value>
        <shrsOrPrnAmt>
            <sshPrnamt>372045</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>35135</Sole>
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            <None>336910</None>
        </votingAuthority>
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        <nameOfIssuer>Huntington Bancshares</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>446150104</cusip>
        <value>122</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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        <nameOfIssuer>Intel Corp</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>458140100</cusip>
        <value>73</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3194</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>37</Sole>
            <Shared>0</Shared>
            <None>3157</None>
        </votingAuthority>
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        <nameOfIssuer>Intercontinental Exchange Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>45866F104</cusip>
        <value>151</value>
        <shrsOrPrnAmt>
            <sshPrnamt>874</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>62</Sole>
            <Shared>0</Shared>
            <None>812</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>International Business Machines</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>459200101</cusip>
        <value>49</value>
        <shrsOrPrnAmt>
            <sshPrnamt>198</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>3</Sole>
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            <sshPrnamt>64</sshPrnamt>
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            <Shared>0</Shared>
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            <None>30</None>
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            <sshPrnamt>148</sshPrnamt>
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            <None>92</None>
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            <None>101</None>
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        <value>391</value>
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        <value>22</value>
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            <None>1613</None>
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        <value>28940</value>
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            <sshPrnamt>272967</sshPrnamt>
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        <cusip>464288877</cusip>
        <value>172</value>
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            <sshPrnamt>2925</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
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            <None>2925</None>
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        <nameOfIssuer>Ishares Core Msci Eafe ETF</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>46432F842</cusip>
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        <cusip>46434V381</cusip>
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            <sshPrnamt>17</sshPrnamt>
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            <None>696</None>
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        <votingAuthority>
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            <None>8696</None>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>59</Sole>
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            <None>861</None>
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        <value>80</value>
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            <sshPrnamt>256</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>18</Sole>
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            <None>238</None>
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        <cusip>58933Y105</cusip>
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            <sshPrnamt>407</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
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            <None>407</None>
        </votingAuthority>
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        <value>1063</value>
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            <sshPrnamt>2831</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>214</Sole>
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            <None>2617</None>
        </votingAuthority>
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        <nameOfIssuer>Microchip Technology Inc.</nameOfIssuer>
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        <cusip>595017104</cusip>
        <value>14</value>
        <shrsOrPrnAmt>
            <sshPrnamt>280</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>37</Sole>
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            <None>243</None>
        </votingAuthority>
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        <cusip>609207105</cusip>
        <value>209</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3077</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>225</Sole>
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            <None>2852</None>
        </votingAuthority>
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        <cusip>620076307</cusip>
        <value>29</value>
        <shrsOrPrnAmt>
            <sshPrnamt>66</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>66</None>
        </votingAuthority>
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        <titleOfClass>Com</titleOfClass>
        <cusip>65339F101</cusip>
        <value>130</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1839</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>126</Sole>
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            <None>1713</None>
        </votingAuthority>
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        <cusip>654106103</cusip>
        <value>85</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1338</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>104</Sole>
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            <None>1234</None>
        </votingAuthority>
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        <nameOfIssuer>Nisource Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>65473P105</cusip>
        <value>649</value>
        <shrsOrPrnAmt>
            <sshPrnamt>16197</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
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            <None>16197</None>
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        <titleOfClass>Com</titleOfClass>
        <cusip>655844108</cusip>
        <value>234</value>
        <shrsOrPrnAmt>
            <sshPrnamt>989</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>66</Sole>
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            <None>923</None>
        </votingAuthority>
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        <nameOfIssuer>Nvidia Corp</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>67066G104</cusip>
        <value>977</value>
        <shrsOrPrnAmt>
            <sshPrnamt>9018</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>609</Sole>
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            <None>8409</None>
        </votingAuthority>
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        <nameOfIssuer>Occidental Petroleum Corp</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>674599105</cusip>
        <value>15</value>
        <shrsOrPrnAmt>
            <sshPrnamt>300</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>300</None>
        </votingAuthority>
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        <titleOfClass>Com</titleOfClass>
        <cusip>68389X105</cusip>
        <value>680</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4863</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>92</Sole>
            <Shared>0</Shared>
            <None>4771</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Organon &amp; Co</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>68622V106</cusip>
        <value>1</value>
        <shrsOrPrnAmt>
            <sshPrnamt>51</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>51</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>PPL Corp</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>69351T106</cusip>
        <value>2</value>
        <shrsOrPrnAmt>
            <sshPrnamt>42</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>42</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>148</value>
        <shrsOrPrnAmt>
            <sshPrnamt>869</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>64</Sole>
            <Shared>0</Shared>
            <None>805</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Paypal Hldgs Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>70450Y103</cusip>
        <value>155</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2376</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>155</Sole>
            <Shared>0</Shared>
            <None>2221</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>1750</value>
        <shrsOrPrnAmt>
            <sshPrnamt>69047</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>311</Sole>
            <Shared>0</Shared>
            <None>68736</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>151</value>
        <shrsOrPrnAmt>
            <sshPrnamt>885</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>60</Sole>
            <Shared>0</Shared>
            <None>825</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>22</value>
        <shrsOrPrnAmt>
            <sshPrnamt>145</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>145</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>RTX CORPORATION</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>75513E101</cusip>
        <value>262</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1980</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>52</Sole>
            <Shared>0</Shared>
            <None>1928</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>SPDR S&amp;P 500</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>78462F103</cusip>
        <value>766</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1369</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>154</Sole>
            <Shared>0</Shared>
            <None>1215</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>10</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>174</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1286</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>1286</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>
        </shrsOrPrnAmt>
        <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>0</value>
        <shrsOrPrnAmt>
            <sshPrnamt>8</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>8</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Salesforce Com Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>79466L302</cusip>
        <value>237</value>
        <shrsOrPrnAmt>
            <sshPrnamt>882</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>61</Sole>
            <Shared>0</Shared>
            <None>821</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Sandstorm Gold Ltd</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>80013R206</cusip>
        <value>4</value>
        <shrsOrPrnAmt>
            <sshPrnamt>478</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>478</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>Schlumberger</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>806857108</cusip>
        <value>155</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3714</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>163</Sole>
            <Shared>0</Shared>
            <None>3551</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>Charles Schwab Corp</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>808513105</cusip>
        <value>180</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2299</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>146</Sole>
            <Shared>0</Shared>
            <None>2153</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Select Sector Spdr</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>81369Y308</cusip>
        <value>36</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>139</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1484</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>31</Sole>
            <Shared>0</Shared>
            <None>1453</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Select Sector Spdr</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>81369Y860</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 Utilities Select Sector</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>81369Y886</cusip>
        <value>142</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1805</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>65</Sole>
            <Shared>0</Shared>
            <None>1740</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Servicenow Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>81762P102</cusip>
        <value>191</value>
        <shrsOrPrnAmt>
            <sshPrnamt>240</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>14</Sole>
            <Shared>0</Shared>
            <None>226</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Solventum Corp</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>83444M101</cusip>
        <value>5</value>
        <shrsOrPrnAmt>
            <sshPrnamt>62</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>62</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>Southwest Airlines CO</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>844741108</cusip>
        <value>0</value>
        <shrsOrPrnAmt>
            <sshPrnamt>10</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>10</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>Starbucks Corp</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>855244109</cusip>
        <value>1</value>
        <shrsOrPrnAmt>
            <sshPrnamt>10</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>10</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>TJX Cos Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>872540109</cusip>
        <value>239</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1963</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>164</Sole>
            <Shared>0</Shared>
            <None>1799</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Textron Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>883203101</cusip>
        <value>24</value>
        <shrsOrPrnAmt>
            <sshPrnamt>330</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>330</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>3M CO</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>88579Y101</cusip>
        <value>37</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>Topbuild Corp/sh</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>89055F103</cusip>
        <value>278</value>
        <shrsOrPrnAmt>
            <sshPrnamt>911</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>911</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Truist Finl Corp</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>89832Q109</cusip>
        <value>166</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4023</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>282</Sole>
            <Shared>0</Shared>
            <None>3741</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Vaneck ETF Trust AgriBusiness</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>92189F700</cusip>
        <value>1</value>
        <shrsOrPrnAmt>
            <sshPrnamt>12</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>12</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Vanguard Bd Index Fds</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>921937835</cusip>
        <value>44067</value>
        <shrsOrPrnAmt>
            <sshPrnamt>599955</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>121415</Sole>
            <Shared>0</Shared>
            <None>478540</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Vanguard Ftse Emerging Markets</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>922042858</cusip>
        <value>1</value>
        <shrsOrPrnAmt>
            <sshPrnamt>27</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>27</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Vanguard Consumer Discretionary</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>92204A108</cusip>
        <value>107</value>
        <shrsOrPrnAmt>
            <sshPrnamt>329</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>55</Sole>
            <Shared>0</Shared>
            <None>274</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Vanguard Consumer Staples ETF</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>92204A207</cusip>
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