<SEC-DOCUMENT>0000908834-25-000218.txt : 20250724
<SEC-HEADER>0000908834-25-000218.hdr.sgml : 20250724
<ACCEPTANCE-DATETIME>20250724125621
ACCESSION NUMBER:		0000908834-25-000218
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20250630
FILED AS OF DATE:		20250724
DATE AS OF CHANGE:		20250724
EFFECTIVENESS DATE:		20250724

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:		251145732

	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>06-30-2025</periodOfReport>
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          <com:stateOrCountry>IN</com:stateOrCountry>
          <com:zipCode>46360</com:zipCode>
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    <signatureBlock>
      <name>Rebecca L. Greenlaw</name>
      <title>VP, Trust Operations and Risk Management</title>
      <phone>219-873-2618</phone>
      <signature>Rebecca L. Greenlaw</signature>
      <city>Michigan City</city>
      <stateOrCountry>IN</stateOrCountry>
      <signatureDate>07-24-2025</signatureDate>
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        <titleOfClass>Com</titleOfClass>
        <cusip>163851108</cusip>
        <value>0</value>
        <shrsOrPrnAmt>
            <sshPrnamt>40</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>40</None>
        </votingAuthority>
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        <nameOfIssuer>Chevron Corp</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>166764100</cusip>
        <value>436</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3043</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>376</Sole>
            <Shared>0</Shared>
            <None>2667</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Chipotle Mexican Grill Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>169656105</cusip>
        <value>221</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3938</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>307</Sole>
            <Shared>0</Shared>
            <None>3631</None>
        </votingAuthority>
    </infoTable>
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        <nameOfIssuer>Cisco Systems Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>17275R102</cusip>
        <value>223</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3214</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>280</Sole>
            <Shared>0</Shared>
            <None>2934</None>
        </votingAuthority>
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        <nameOfIssuer>Citigroup Inc New</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>172967424</cusip>
        <value>113</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1333</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>33</Sole>
            <Shared>0</Shared>
            <None>1300</None>
        </votingAuthority>
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        <nameOfIssuer>Coca Cola CO</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>191216100</cusip>
        <value>206</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2905</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>164</Sole>
            <Shared>0</Shared>
            <None>2741</None>
        </votingAuthority>
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        <nameOfIssuer>Comcast Corp Cl A</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>20030N101</cusip>
        <value>127</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3547</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>257</Sole>
            <Shared>0</Shared>
            <None>3290</None>
        </votingAuthority>
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        <nameOfIssuer>Conocophillips</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>20825C104</cusip>
        <value>162</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1808</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>28</Sole>
            <Shared>0</Shared>
            <None>1780</None>
        </votingAuthority>
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        <nameOfIssuer>Consolidated Edison Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>209115104</cusip>
        <value>14</value>
        <shrsOrPrnAmt>
            <sshPrnamt>144</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>144</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Constellation Brands Inc Cl A</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>21036P108</cusip>
        <value>20</value>
        <shrsOrPrnAmt>
            <sshPrnamt>125</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>125</None>
        </votingAuthority>
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        <nameOfIssuer>Corteva Inc Com</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>22052L104</cusip>
        <value>348</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4670</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>1000</Sole>
            <Shared>0</Shared>
            <None>3670</None>
        </votingAuthority>
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        <nameOfIssuer>Costco Wholesale Corp</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>22160K105</cusip>
        <value>676</value>
        <shrsOrPrnAmt>
            <sshPrnamt>683</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>29</Sole>
            <Shared>0</Shared>
            <None>654</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Cullen Frost Bankers Inc.</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>229899109</cusip>
        <value>129</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1000</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>1000</None>
        </votingAuthority>
    </infoTable>
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        <nameOfIssuer>Cummins Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>231021106</cusip>
        <value>80</value>
        <shrsOrPrnAmt>
            <sshPrnamt>243</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>243</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>DTE Energy</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>233331107</cusip>
        <value>19</value>
        <shrsOrPrnAmt>
            <sshPrnamt>143</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>143</None>
        </votingAuthority>
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        <nameOfIssuer>DT Midstream Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>23345M107</cusip>
        <value>7</value>
        <shrsOrPrnAmt>
            <sshPrnamt>66</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>66</None>
        </votingAuthority>
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        <nameOfIssuer>Danaher Corporation</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>235851102</cusip>
        <value>99</value>
        <shrsOrPrnAmt>
            <sshPrnamt>500</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>500</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>Deere &amp; Co</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>244199105</cusip>
        <value>51</value>
        <shrsOrPrnAmt>
            <sshPrnamt>100</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>100</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>Disney Walt CO</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>254687106</cusip>
        <value>201</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1618</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>85</Sole>
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            <None>1533</None>
        </votingAuthority>
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        <nameOfIssuer>Dow Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>260557103</cusip>
        <value>5</value>
        <shrsOrPrnAmt>
            <sshPrnamt>170</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>170</None>
        </votingAuthority>
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        <nameOfIssuer>DuPont de Nemours Inc Com</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>26614N102</cusip>
        <value>84</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1222</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>79</Sole>
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            <None>1143</None>
        </votingAuthority>
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        <nameOfIssuer>EOG Resources Inc Com</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>26875P101</cusip>
        <value>120</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1005</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>63</Sole>
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            <None>942</None>
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        <nameOfIssuer>Eaton Vance Ltd Duration Incom</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>27828H105</cusip>
        <value>1</value>
        <shrsOrPrnAmt>
            <sshPrnamt>42</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>42</None>
        </votingAuthority>
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        <nameOfIssuer>Edison Intl</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>281020107</cusip>
        <value>0</value>
        <shrsOrPrnAmt>
            <sshPrnamt>7</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>7</None>
        </votingAuthority>
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        <titleOfClass>Com</titleOfClass>
        <cusip>30231G102</cusip>
        <value>304</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2822</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>95</Sole>
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            <None>2727</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>Meta Platforms Inc Cl A</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>30303M102</cusip>
        <value>594</value>
        <shrsOrPrnAmt>
            <sshPrnamt>805</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>57</Sole>
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            <None>748</None>
        </votingAuthority>
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        <nameOfIssuer>Fedex Corp</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>31428X106</cusip>
        <value>38</value>
        <shrsOrPrnAmt>
            <sshPrnamt>167</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>26</Sole>
            <Shared>0</Shared>
            <None>141</None>
        </votingAuthority>
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        <nameOfIssuer>Finward Bancorp</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>31812F109</cusip>
        <value>7</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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    <infoTable>
        <nameOfIssuer>First Financial Bancorp</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>320209109</cusip>
        <value>83</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3426</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>3426</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>First Trust Financials Alphadex</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>33734X135</cusip>
        <value>50</value>
        <shrsOrPrnAmt>
            <sshPrnamt>898</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>147</Sole>
            <Shared>0</Shared>
            <None>751</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>Flexshares Morningstar Global Ups</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>33939L407</cusip>
        <value>2574</value>
        <shrsOrPrnAmt>
            <sshPrnamt>64171</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>13430</Sole>
            <Shared>0</Shared>
            <None>50741</None>
        </votingAuthority>
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        <nameOfIssuer>Flexshares IBOXX 3 Year Target Date</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>33939L506</cusip>
        <value>7844</value>
        <shrsOrPrnAmt>
            <sshPrnamt>323599</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>59396</Sole>
            <Shared>0</Shared>
            <None>264203</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>Flexshares High Yield VL ETF</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>33939L662</cusip>
        <value>4486</value>
        <shrsOrPrnAmt>
            <sshPrnamt>109341</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>20064</Sole>
            <Shared>0</Shared>
            <None>89277</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>Flexshares Credit Scored US Corp Bond</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>33939L761</cusip>
        <value>7771</value>
        <shrsOrPrnAmt>
            <sshPrnamt>159297</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>29496</Sole>
            <Shared>0</Shared>
            <None>129801</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Flexshares Quality Dividend Index ETF</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>33939L860</cusip>
        <value>2733</value>
        <shrsOrPrnAmt>
            <sshPrnamt>37340</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>6751</Sole>
            <Shared>0</Shared>
            <None>30589</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Fortinet Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>34959E109</cusip>
        <value>264</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2500</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>2500</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Fortrea Holdings Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>34965K107</cusip>
        <value>1</value>
        <shrsOrPrnAmt>
            <sshPrnamt>128</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>128</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Freeport McMoran Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>35671D857</cusip>
        <value>80</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1853</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>129</Sole>
            <Shared>0</Shared>
            <None>1724</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>GE Healthcare Technologies Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>36266G107</cusip>
        <value>1</value>
        <shrsOrPrnAmt>
            <sshPrnamt>13</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>13</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>General Dynamics Corp</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>369550108</cusip>
        <value>181</value>
        <shrsOrPrnAmt>
            <sshPrnamt>621</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>45</Sole>
            <Shared>0</Shared>
            <None>576</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>GSK PLC ADr</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>37733W204</cusip>
        <value>146</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3791</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>318</Sole>
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            <None>3473</None>
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        <titleOfClass>Com</titleOfClass>
        <cusip>38150K103</cusip>
        <value>393</value>
        <shrsOrPrnAmt>
            <sshPrnamt>12015</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>9495</Sole>
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            <None>2520</None>
        </votingAuthority>
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        <cusip>384802104</cusip>
        <value>18</value>
        <shrsOrPrnAmt>
            <sshPrnamt>17</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
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            <Shared>0</Shared>
            <None>17</None>
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        <titleOfClass>Com</titleOfClass>
        <cusip>406216101</cusip>
        <value>18</value>
        <shrsOrPrnAmt>
            <sshPrnamt>877</sshPrnamt>
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        <votingAuthority>
            <Sole>151</Sole>
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            <None>726</None>
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        <titleOfClass>Com</titleOfClass>
        <cusip>42250P103</cusip>
        <value>2</value>
        <shrsOrPrnAmt>
            <sshPrnamt>133</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
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            <Shared>0</Shared>
            <None>133</None>
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        <cusip>437076102</cusip>
        <value>407</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1109</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
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            <None>1073</None>
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        <cusip>438516106</cusip>
        <value>228</value>
        <shrsOrPrnAmt>
            <sshPrnamt>978</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
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            <Sole>61</Sole>
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            <None>917</None>
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        <value>5544</value>
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            <sshPrnamt>360479</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
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            <None>332344</None>
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        <value>137</value>
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            <sshPrnamt>8151</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
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            <None>8151</None>
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        <value>72</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3194</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>37</Sole>
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            <None>3157</None>
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        <cusip>45866F104</cusip>
        <value>148</value>
        <shrsOrPrnAmt>
            <sshPrnamt>804</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>56</Sole>
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            <None>748</None>
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        <cusip>459200101</cusip>
        <value>58</value>
        <shrsOrPrnAmt>
            <sshPrnamt>198</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>3</Sole>
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            <None>195</None>
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        <cusip>459506101</cusip>
        <value>5</value>
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            <sshPrnamt>64</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
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            <None>64</None>
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        <cusip>46090E103</cusip>
        <value>12</value>
        <shrsOrPrnAmt>
            <sshPrnamt>22</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
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            <None>22</None>
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            <None>126</None>
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            <None>10</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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        <cusip>46137V878</cusip>
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            <sshPrnamt>14</sshPrnamt>
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            <None>0</None>
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            <sshPrnamt>145</sshPrnamt>
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            <None>182</None>
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            <sshPrnamt>1315</sshPrnamt>
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            <None>1315</None>
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        <value>107</value>
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        <investmentDiscretion>OTR</investmentDiscretion>
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            <None>1476</None>
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        <cusip>464288612</cusip>
        <value>28593</value>
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            <sshPrnamt>267752</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
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            <None>209051</None>
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        <nameOfIssuer>Ishares Tr EAFE Value ETF</nameOfIssuer>
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        <cusip>464288877</cusip>
        <value>160</value>
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        <investmentDiscretion>OTR</investmentDiscretion>
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            <None>2520</None>
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        <nameOfIssuer>Ishares Core Msci Eafe ETF</nameOfIssuer>
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        <cusip>46432F842</cusip>
        <value>8251</value>
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            <sshPrnamt>98834</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
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            <None>80240</None>
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        <cusip>46434V381</cusip>
        <value>1</value>
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            <sshPrnamt>17</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
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            <None>17</None>
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        <value>1099</value>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>164</Sole>
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            <None>3626</None>
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        <cusip>478160104</cusip>
        <value>97</value>
        <shrsOrPrnAmt>
            <sshPrnamt>636</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>61</Sole>
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            <None>575</None>
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        <cusip>48251W104</cusip>
        <value>113</value>
        <shrsOrPrnAmt>
            <sshPrnamt>853</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
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            <Sole>21</Sole>
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            <None>832</None>
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        <cusip>500754106</cusip>
        <value>0</value>
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            <sshPrnamt>15</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
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            <None>15</None>
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        <titleOfClass>Com</titleOfClass>
        <cusip>502431109</cusip>
        <value>179</value>
        <shrsOrPrnAmt>
            <sshPrnamt>714</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
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            <None>714</None>
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        <nameOfIssuer>Lam Research Corp.</nameOfIssuer>
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        <cusip>512807306</cusip>
        <value>389</value>
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        <investmentDiscretion>OTR</investmentDiscretion>
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            <Shared>0</Shared>
            <None>4000</None>
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        <nameOfIssuer>Estee Lauder Cos Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>518439104</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>532457108</cusip>
        <value>118</value>
        <shrsOrPrnAmt>
            <sshPrnamt>152</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>152</None>
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        <nameOfIssuer>Lockheed Martin Corp</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>539830109</cusip>
        <value>208</value>
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            <sshPrnamt>450</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
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            <Shared>0</Shared>
            <None>450</None>
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        <titleOfClass>Com</titleOfClass>
        <cusip>548661107</cusip>
        <value>222</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1000</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>1000</None>
        </votingAuthority>
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        <titleOfClass>Com</titleOfClass>
        <cusip>571748102</cusip>
        <value>151</value>
        <shrsOrPrnAmt>
            <sshPrnamt>690</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>49</Sole>
            <Shared>0</Shared>
            <None>641</None>
        </votingAuthority>
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        <nameOfIssuer>Masco Corporation</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>574599106</cusip>
        <value>545</value>
        <shrsOrPrnAmt>
            <sshPrnamt>8473</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>8473</None>
        </votingAuthority>
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        <titleOfClass>Com</titleOfClass>
        <cusip>57636Q104</cusip>
        <value>479</value>
        <shrsOrPrnAmt>
            <sshPrnamt>852</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>58</Sole>
            <Shared>0</Shared>
            <None>794</None>
        </votingAuthority>
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        <titleOfClass>Com</titleOfClass>
        <cusip>580135101</cusip>
        <value>67</value>
        <shrsOrPrnAmt>
            <sshPrnamt>228</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>15</Sole>
            <Shared>0</Shared>
            <None>213</None>
        </votingAuthority>
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        <titleOfClass>Com</titleOfClass>
        <cusip>58933Y105</cusip>
        <value>32</value>
        <shrsOrPrnAmt>
            <sshPrnamt>407</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>407</None>
        </votingAuthority>
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        <titleOfClass>Com</titleOfClass>
        <cusip>594918104</cusip>
        <value>1649</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3315</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>215</Sole>
            <Shared>0</Shared>
            <None>3100</None>
        </votingAuthority>
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        <nameOfIssuer>Microchip Technology Inc.</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>595017104</cusip>
        <value>6</value>
        <shrsOrPrnAmt>
            <sshPrnamt>92</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>92</None>
        </votingAuthority>
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        <nameOfIssuer>Mondelez International Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>609207105</cusip>
        <value>160</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2377</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>215</Sole>
            <Shared>0</Shared>
            <None>2162</None>
        </votingAuthority>
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        <nameOfIssuer>Motorola Solutions Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>620076307</cusip>
        <value>28</value>
        <shrsOrPrnAmt>
            <sshPrnamt>66</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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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>64110L106</cusip>
        <value>118</value>
        <shrsOrPrnAmt>
            <sshPrnamt>88</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>2</Sole>
            <Shared>0</Shared>
            <None>86</None>
        </votingAuthority>
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        <nameOfIssuer>Nextera Energy Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>65339F101</cusip>
        <value>123</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1765</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>129</Sole>
            <Shared>0</Shared>
            <None>1636</None>
        </votingAuthority>
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        <nameOfIssuer>Nike Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>654106103</cusip>
        <value>89</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1252</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>103</Sole>
            <Shared>0</Shared>
            <None>1149</None>
        </votingAuthority>
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        <nameOfIssuer>Nisource Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>65473P105</cusip>
        <value>653</value>
        <shrsOrPrnAmt>
            <sshPrnamt>16197</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>16197</None>
        </votingAuthority>
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        <titleOfClass>Com</titleOfClass>
        <cusip>655844108</cusip>
        <value>243</value>
        <shrsOrPrnAmt>
            <sshPrnamt>949</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>66</Sole>
            <Shared>0</Shared>
            <None>883</None>
        </votingAuthority>
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        <nameOfIssuer>Nvidia Corp</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>67066G104</cusip>
        <value>1324</value>
        <shrsOrPrnAmt>
            <sshPrnamt>8381</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>611</Sole>
            <Shared>0</Shared>
            <None>7770</None>
        </votingAuthority>
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        <titleOfClass>Com</titleOfClass>
        <cusip>674599105</cusip>
        <value>13</value>
        <shrsOrPrnAmt>
            <sshPrnamt>300</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>300</None>
        </votingAuthority>
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        <nameOfIssuer>Oracle Corp</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>68389X105</cusip>
        <value>1025</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4688</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>93</Sole>
            <Shared>0</Shared>
            <None>4595</None>
        </votingAuthority>
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        <nameOfIssuer>Organon &amp; Co</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>68622V106</cusip>
        <value>1</value>
        <shrsOrPrnAmt>
            <sshPrnamt>51</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>51</None>
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        <titleOfClass>Com</titleOfClass>
        <cusip>69351T106</cusip>
        <value>1</value>
        <shrsOrPrnAmt>
            <sshPrnamt>42</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>42</None>
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        <nameOfIssuer>Palantir Technologies Inc Cl A</nameOfIssuer>
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        <cusip>69608A108</cusip>
        <value>14</value>
        <shrsOrPrnAmt>
            <sshPrnamt>100</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
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            <None>100</None>
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        <cusip>697435105</cusip>
        <value>160</value>
        <shrsOrPrnAmt>
            <sshPrnamt>781</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>52</Sole>
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            <None>729</None>
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        <nameOfIssuer>Paypal Hldgs Inc</nameOfIssuer>
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        <cusip>70450Y103</cusip>
        <value>205</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2752</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>181</Sole>
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            <None>2571</None>
        </votingAuthority>
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        <nameOfIssuer>Pepsico Inc</nameOfIssuer>
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        <cusip>713448108</cusip>
        <value>185</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1404</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>12</Sole>
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            <None>1392</None>
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        <cusip>717081103</cusip>
        <value>1614</value>
        <shrsOrPrnAmt>
            <sshPrnamt>66572</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>353</Sole>
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            <None>66219</None>
        </votingAuthority>
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        <nameOfIssuer>Phillips 66</nameOfIssuer>
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        <cusip>718546104</cusip>
        <value>89</value>
        <shrsOrPrnAmt>
            <sshPrnamt>750</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
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            <None>750</None>
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        <cusip>73642K106</cusip>
        <value>1</value>
        <shrsOrPrnAmt>
            <sshPrnamt>50</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
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            <None>50</None>
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        <nameOfIssuer>Procter &amp; Gamble CO</nameOfIssuer>
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        <cusip>742718109</cusip>
        <value>135</value>
        <shrsOrPrnAmt>
            <sshPrnamt>849</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>61</Sole>
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            <None>788</None>
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        <nameOfIssuer>Public Svc Enterprise Grp Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>744573106</cusip>
        <value>10</value>
        <shrsOrPrnAmt>
            <sshPrnamt>120</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>120</None>
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        <titleOfClass>Com</titleOfClass>
        <cusip>747525103</cusip>
        <value>23</value>
        <shrsOrPrnAmt>
            <sshPrnamt>145</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>145</None>
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        <nameOfIssuer>RTX CORPORATION</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>75513E101</cusip>
        <value>558</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3823</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>93</Sole>
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            <None>3730</None>
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        <nameOfIssuer>SPDR S&amp;P 500</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>78462F103</cusip>
        <value>846</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1369</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>154</Sole>
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            <None>1215</None>
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        <nameOfIssuer>Spdr Ix Shs Fun/Dow Jones Intl Rl ETF</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>78463X863</cusip>
        <value>6</value>
        <shrsOrPrnAmt>
            <sshPrnamt>208</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>208</None>
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        <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>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>36</None>
        </votingAuthority>
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    <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>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>53</Sole>
            <Shared>0</Shared>
            <None>123</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>SPDR S&amp;P Dividend</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>78464A763</cusip>
        <value>175</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1286</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>1286</None>
        </votingAuthority>
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    <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>
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    <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>
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        <nameOfIssuer>Salesforce Com Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>79466L302</cusip>
        <value>223</value>
        <shrsOrPrnAmt>
            <sshPrnamt>817</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>60</Sole>
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            <None>757</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>Sandstorm Gold Ltd</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>80013R206</cusip>
        <value>4</value>
        <shrsOrPrnAmt>
            <sshPrnamt>478</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>478</None>
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    <infoTable>
        <nameOfIssuer>Schlumberger</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>806857108</cusip>
        <value>117</value>
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            <sshPrnamt>3471</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>161</Sole>
            <Shared>0</Shared>
            <None>3310</None>
        </votingAuthority>
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        <nameOfIssuer>Charles Schwab Corp</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>808513105</cusip>
        <value>265</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2904</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>149</Sole>
            <Shared>0</Shared>
            <None>2755</None>
        </votingAuthority>
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        <nameOfIssuer>Schwab Strategic Tr</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>808524797</cusip>
        <value>2</value>
        <shrsOrPrnAmt>
            <sshPrnamt>60</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>60</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Schwab Strategi/us Tips Etf</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>808524870</cusip>
        <value>43</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1600</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>1600</None>
        </votingAuthority>
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        <nameOfIssuer>SPDR Materials ETF</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>81369Y100</cusip>
        <value>88</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1000</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>1000</None>
        </votingAuthority>
    </infoTable>
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        <nameOfIssuer>Select Sector Spdr</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>81369Y308</cusip>
        <value>36</value>
        <shrsOrPrnAmt>
            <sshPrnamt>445</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>445</None>
        </votingAuthority>
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        <nameOfIssuer>SPDR Energy Select Sector SPDR</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>81369Y506</cusip>
        <value>129</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1521</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>31</Sole>
            <Shared>0</Shared>
            <None>1490</None>
        </votingAuthority>
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        <nameOfIssuer>Select Sector Spdr</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>81369Y860</cusip>
        <value>1</value>
        <shrsOrPrnAmt>
            <sshPrnamt>36</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>36</None>
        </votingAuthority>
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        <nameOfIssuer>SPDR Utilities Select Sector</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>81369Y886</cusip>
        <value>147</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1805</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>65</Sole>
            <Shared>0</Shared>
            <None>1740</None>
        </votingAuthority>
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        <nameOfIssuer>Servicenow Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>81762P102</cusip>
        <value>230</value>
        <shrsOrPrnAmt>
            <sshPrnamt>224</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>14</Sole>
            <Shared>0</Shared>
            <None>210</None>
        </votingAuthority>
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        <nameOfIssuer>Solventum Corp</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>83444M101</cusip>
        <value>5</value>
        <shrsOrPrnAmt>
            <sshPrnamt>62</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>62</None>
        </votingAuthority>
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        <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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        <nameOfIssuer>Starbucks Corp</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>855244109</cusip>
        <value>1</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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        <nameOfIssuer>Stryker Corp</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>863667101</cusip>
        <value>356</value>
        <shrsOrPrnAmt>
            <sshPrnamt>900</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>900</None>
        </votingAuthority>
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        <nameOfIssuer>TJX Cos Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>872540109</cusip>
        <value>500</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4052</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>164</Sole>
            <Shared>0</Shared>
            <None>3888</None>
        </votingAuthority>
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        <nameOfIssuer>Tapestry Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>876030107</cusip>
        <value>69</value>
        <shrsOrPrnAmt>
            <sshPrnamt>783</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>20</Sole>
            <Shared>0</Shared>
            <None>763</None>
        </votingAuthority>
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        <nameOfIssuer>Texas Instrument</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>882508104</cusip>
        <value>208</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1000</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>1000</None>
        </votingAuthority>
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        <nameOfIssuer>Textron Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>883203101</cusip>
        <value>26</value>
        <shrsOrPrnAmt>
            <sshPrnamt>330</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>330</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>3M CO</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>88579Y101</cusip>
        <value>38</value>
        <shrsOrPrnAmt>
            <sshPrnamt>250</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>250</None>
        </votingAuthority>
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        <nameOfIssuer>Topbuild Corp/sh</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>89055F103</cusip>
        <value>295</value>
        <shrsOrPrnAmt>
            <sshPrnamt>911</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>911</None>
        </votingAuthority>
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        <nameOfIssuer>Truist Finl Corp</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>89832Q109</cusip>
        <value>56</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1305</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>220</Sole>
            <Shared>0</Shared>
            <None>1085</None>
        </votingAuthority>
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        <nameOfIssuer>2023 ETF Series Trust II GMO Intl</nameOfIssuer>
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        <cusip>90139K407</cusip>
        <value>4</value>
        <shrsOrPrnAmt>
            <sshPrnamt>132</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>132</None>
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        <titleOfClass>Com</titleOfClass>
        <cusip>91913Y100</cusip>
        <value>134</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1000</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
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            <Shared>0</Shared>
            <None>1000</None>
        </votingAuthority>
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        <nameOfIssuer>Vaneck Etf</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>92189F676</cusip>
        <value>125</value>
        <shrsOrPrnAmt>
            <sshPrnamt>447</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
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            <None>447</None>
        </votingAuthority>
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        <nameOfIssuer>Vaneck ETF Trust AgriBusiness</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>92189F700</cusip>
        <value>1</value>
        <shrsOrPrnAmt>
            <sshPrnamt>12</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>12</Sole>
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            <None>0</None>
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        <nameOfIssuer>Vanguard Bd Index Fds</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>921937835</cusip>
        <value>42748</value>
        <shrsOrPrnAmt>
            <sshPrnamt>580579</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>118193</Sole>
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            <None>462386</None>
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        <nameOfIssuer>Vanguard Ftse Emerging Markets</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>922042858</cusip>
        <value>1</value>
        <shrsOrPrnAmt>
            <sshPrnamt>27</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>27</None>
        </votingAuthority>
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        <nameOfIssuer>Vanguard Consumer Discretionary</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>92204A108</cusip>
        <value>119</value>
        <shrsOrPrnAmt>
            <sshPrnamt>329</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>55</Sole>
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            <None>274</None>
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        <nameOfIssuer>Vanguard Consumer Staples ETF</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>92204A207</cusip>
        <value>63</value>
        <shrsOrPrnAmt>
            <sshPrnamt>288</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>44</Sole>
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            <None>244</None>
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        <nameOfIssuer>Vanguard Financials ETF</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>92204A405</cusip>
        <value>85</value>
        <shrsOrPrnAmt>
            <sshPrnamt>666</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>68</Sole>
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            <None>598</None>
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        <nameOfIssuer>Vanguard Health Care Index Fund</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>92204A504</cusip>
        <value>79</value>
        <shrsOrPrnAmt>
            <sshPrnamt>319</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>40</Sole>
            <Shared>0</Shared>
            <None>279</None>
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        <nameOfIssuer>Vanguard Industrials ETF</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>92204A603</cusip>
        <value>81</value>
        <shrsOrPrnAmt>
            <sshPrnamt>288</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>30</Sole>
            <Shared>0</Shared>
            <None>258</None>
        </votingAuthority>
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        <nameOfIssuer>Vanguard Info Tech</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>92204A702</cusip>
        <value>3018</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4550</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>4550</None>
        </votingAuthority>
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        <nameOfIssuer>Vanguard Communication Services</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>92204A884</cusip>
        <value>73</value>
        <shrsOrPrnAmt>
            <sshPrnamt>428</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>30</Sole>
            <Shared>0</Shared>
            <None>398</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>Vanguard 500 S&amp;P ETF</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>922908363</cusip>
        <value>966</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1700</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>1700</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>Vanguard Mid-Cap Value ETF Voe</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>922908512</cusip>
        <value>702</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4270</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>793</Sole>
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            <None>3477</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Vanguard Mid-Cap Growth Index</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>922908538</cusip>
        <value>737</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2592</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>485</Sole>
            <Shared>0</Shared>
            <None>2107</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>Vanguard REIT ETF</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>922908553</cusip>
        <value>2543</value>
        <shrsOrPrnAmt>
            <sshPrnamt>28559</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>4224</Sole>
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            <None>24335</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>Vanguard Index Funds Smallcap Growth ETF</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>922908595</cusip>
        <value>258</value>
        <shrsOrPrnAmt>
            <sshPrnamt>931</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>111</Sole>
            <Shared>0</Shared>
            <None>820</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Vanguard Index Funds Smallcap Value ETF</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>922908611</cusip>
        <value>242</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1242</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>148</Sole>
            <Shared>0</Shared>
            <None>1094</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Vanguard Index Fds ETF</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>922908629</cusip>
        <value>1245</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4450</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>4450</None>
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