<SEC-DOCUMENT>0001437749-24-036847.txt : 20241206
<SEC-HEADER>0001437749-24-036847.hdr.sgml : 20241206
<ACCEPTANCE-DATETIME>20241206124849
ACCESSION NUMBER:		0001437749-24-036847
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20240930
FILED AS OF DATE:		20241206
DATE AS OF CHANGE:		20241206
EFFECTIVENESS DATE:		20241206

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			FIDELITY D & D BANCORP INC
		CENTRAL INDEX KEY:			0001098151
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		ORGANIZATION NAME:           	02 Finance
		IRS NUMBER:				233017653
		STATE OF INCORPORATION:			PA
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		13F-HR
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	028-23470
		FILM NUMBER:		241531522

	BUSINESS ADDRESS:	
		STREET 1:		BLAKELY & DRINKER STREETS
		CITY:			DUNMORE
		STATE:			PA
		ZIP:			18512
		BUSINESS PHONE:		5703428281

	MAIL ADDRESS:	
		STREET 1:		BLAKELY & DRINKER STREETS
		CITY:			DUNMORE
		STATE:			PA
		ZIP:			18512
</SEC-HEADER>
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<TYPE>13F-HR
<SEQUENCE>1
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          <cik>0001098151</cik>
          <ccc>XXXXXXXX</ccc>
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        <fileNumber>28-00138229</fileNumber>
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      <periodOfReport>09-30-2024</periodOfReport>
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      <reportCalendarOrQuarter>09-30-2024</reportCalendarOrQuarter>
      <filingManager>
        <name>FIDELITY D &amp; D BANCORP INC</name>
        <address>
          <com:street1>Blakely &amp; Drinker Streets</com:street1>
          <com:city>Dunmore</com:city>
          <com:stateOrCountry>PA</com:stateOrCountry>
          <com:zipCode>18512</com:zipCode>
        </address>
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      <form13FFileNumber>028-23470</form13FFileNumber>
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    <signatureBlock>
      <name>William J. Fennie III</name>
      <title>VP, Investment Officer</title>
      <phone>570-504-8084</phone>
      <signature>/s/ William J. Fennie III</signature>
      <city>Dunmore</city>
      <stateOrCountry>PA</stateOrCountry>
      <signatureDate>12-05-2024</signatureDate>
    </signatureBlock>
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<nameOfIssuer>BP PRUDHOE BAY ROYALTY TRUST</nameOfIssuer>
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<nameOfIssuer>CATERPILLAR INC.</nameOfIssuer>
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<nameOfIssuer>CHEVRON CORPORATION</nameOfIssuer>
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<nameOfIssuer>CHEVRON CORPORATION</nameOfIssuer>
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<nameOfIssuer>CISCO SYSTEMS INC.</nameOfIssuer>
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<infoTable>
<nameOfIssuer>CISCO SYSTEMS INC.</nameOfIssuer>
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<nameOfIssuer>COLGATE-PALMOLIVE CO.</nameOfIssuer>
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<nameOfIssuer>CONOCOPHILLIPS</nameOfIssuer>
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<nameOfIssuer>CONOCOPHILLIPS</nameOfIssuer>
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<nameOfIssuer>COSTCO WHOLESALE CORP</nameOfIssuer>
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<nameOfIssuer>DARKPULSE INC</nameOfIssuer>
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<nameOfIssuer>DOW HOLDINGS INC</nameOfIssuer>
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<nameOfIssuer>DOW HOLDINGS INC</nameOfIssuer>
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<nameOfIssuer>DUKE ENERGY CORP</nameOfIssuer>
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<infoTable>
<nameOfIssuer>DUKE ENERGY CORP</nameOfIssuer>
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<nameOfIssuer>EATON CORPORATION PLC</nameOfIssuer>
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<nameOfIssuer>EATON CORPORATION PLC</nameOfIssuer>
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<investmentDiscretion>OTR</investmentDiscretion>
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<infoTable>
<nameOfIssuer>ECOLAB INC.                 COM</nameOfIssuer>
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<nameOfIssuer>ELI LILLY &amp; CO</nameOfIssuer>
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<nameOfIssuer>ENERGY TRANSFER EQUITY LP</nameOfIssuer>
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<nameOfIssuer>EXXON MOBIL CORP COM</nameOfIssuer>
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<nameOfIssuer>EXXON MOBIL CORP COM</nameOfIssuer>
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<nameOfIssuer>FIDELITY D &amp; D BANCORP INC.</nameOfIssuer>
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<infoTable>
<nameOfIssuer>FIDELITY D &amp; D BANCORP INC.</nameOfIssuer>
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<investmentDiscretion>SOLE</investmentDiscretion>
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<nameOfIssuer>GARMIN LTD</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
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<investmentDiscretion>SOLE</investmentDiscretion>
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<infoTable>
<nameOfIssuer>GARMIN LTD</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
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<infoTable>
<nameOfIssuer>GENERAL ELECTRIC CO.</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>369604301</cusip>
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<infoTable>
<nameOfIssuer>GENERAL ELECTRIC CO.</nameOfIssuer>
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<investmentDiscretion>SOLE</investmentDiscretion>
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<nameOfIssuer>GOLDMAN SACHS GROUP INC</nameOfIssuer>
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<investmentDiscretion>SOLE</investmentDiscretion>
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<nameOfIssuer>GOODYEAR TIRE &amp; RUBBER CO</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
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<investmentDiscretion>SOLE</investmentDiscretion>
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<nameOfIssuer>HARBOR LONG TERM GROWER ETF</nameOfIssuer>
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<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
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<nameOfIssuer>HOME DEPOT INC.</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
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<investmentDiscretion>OTR</investmentDiscretion>
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<infoTable>
<nameOfIssuer>HOME DEPOT INC.</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
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<investmentDiscretion>SOLE</investmentDiscretion>
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<nameOfIssuer>HONAT BANCORP INC</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>438115107</cusip>
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<sshPrnamt>16309</sshPrnamt>
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<investmentDiscretion>SOLE</investmentDiscretion>
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<nameOfIssuer>HONEYWELL INTERNATIONAL INC</nameOfIssuer>
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<investmentDiscretion>SOLE</investmentDiscretion>
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<nameOfIssuer>INTERNATIONAL BUSINESS MACHINES CORP</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>459200101</cusip>
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<investmentDiscretion>OTR</investmentDiscretion>
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<infoTable>
<nameOfIssuer>INTERNATIONAL BUSINESS MACHINES CORP</nameOfIssuer>
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<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
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<infoTable>
<nameOfIssuer>INVESCO OPTIMUM YIELD DIVERS COMMODITY ETF</nameOfIssuer>
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<investmentDiscretion>SOLE</investmentDiscretion>
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<infoTable>
<nameOfIssuer>INVESCO S&amp;P 500 PURE VALUE</nameOfIssuer>
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<investmentDiscretion>SOLE</investmentDiscretion>
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<infoTable>
<nameOfIssuer>INVESCO S&amp;P 500 PURE VALUE</nameOfIssuer>
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<investmentDiscretion>OTR</investmentDiscretion>
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<infoTable>
<nameOfIssuer>INVESCO S&amp;P 500 QUALITY ETF</nameOfIssuer>
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<investmentDiscretion>OTR</investmentDiscretion>
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<infoTable>
<nameOfIssuer>INVESCO S&amp;P 500 QUALITY ETF</nameOfIssuer>
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<cusip>46137V241</cusip>
<value>3091258</value>
<shrsOrPrnAmt>
<sshPrnamt>45953</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>43411</Sole>
<Shared>0</Shared>
<None>2542</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ISHARES 10-20 TREASURY ETF</nameOfIssuer>
<titleOfClass>Fixed Income ETF</titleOfClass>
<cusip>464288653</cusip>
<value>1822750</value>
<shrsOrPrnAmt>
<sshPrnamt>16672</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>16672</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ISHARES 10-20 TREASURY ETF</nameOfIssuer>
<titleOfClass>Fixed Income ETF</titleOfClass>
<cusip>464288653</cusip>
<value>76750</value>
<shrsOrPrnAmt>
<sshPrnamt>702</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>702</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ISHARES 1-3 YEAR TREASURY BOND ETF</nameOfIssuer>
<titleOfClass>Fixed Income ETF</titleOfClass>
<cusip>464287457</cusip>
<value>1932655</value>
<shrsOrPrnAmt>
<sshPrnamt>23243</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>23213</Sole>
<Shared>30</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ISHARES 1-3 YEAR TREASURY BOND ETF</nameOfIssuer>
<titleOfClass>Fixed Income ETF</titleOfClass>
<cusip>464287457</cusip>
<value>849128</value>
<shrsOrPrnAmt>
<sshPrnamt>10212</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>961</Shared>
<None>9251</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ISHARES MSCI EAFE ETF</nameOfIssuer>
<titleOfClass>International Equity ETF</titleOfClass>
<cusip>464287465</cusip>
<value>532807</value>
<shrsOrPrnAmt>
<sshPrnamt>6371</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>2597</Sole>
<Shared>85</Shared>
<None>3689</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ISHARES MSCI EAFE ETF</nameOfIssuer>
<titleOfClass>International Equity ETF</titleOfClass>
<cusip>464287465</cusip>
<value>156639</value>
<shrsOrPrnAmt>
<sshPrnamt>1873</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>1873</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ISHARES NATIONAL MUNI BOND ETF</nameOfIssuer>
<titleOfClass>Fixed Income ETF</titleOfClass>
<cusip>464288414</cusip>
<value>808859</value>
<shrsOrPrnAmt>
<sshPrnamt>7446</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>7446</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ISHARES RUSSELL 1000 GROWTH ETF</nameOfIssuer>
<titleOfClass>Exchange Traded Fund</titleOfClass>
<cusip>464287614</cusip>
<value>43169</value>
<shrsOrPrnAmt>
<sshPrnamt>115</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>115</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ISHARES RUSSELL 1000 GROWTH ETF</nameOfIssuer>
<titleOfClass>Exchange Traded Fund</titleOfClass>
<cusip>464287614</cusip>
<value>3689235</value>
<shrsOrPrnAmt>
<sshPrnamt>9828</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>9137</Sole>
<Shared>0</Shared>
<None>691</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ISHARES RUSSELL 1000 VALUE ETF</nameOfIssuer>
<titleOfClass>Exchange Traded Fund</titleOfClass>
<cusip>464287598</cusip>
<value>590847</value>
<shrsOrPrnAmt>
<sshPrnamt>3113</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>3113</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ISHARES RUSSELL MID-CAP ETF</nameOfIssuer>
<titleOfClass>Exchange Traded Fund</titleOfClass>
<cusip>464287499</cusip>
<value>254636</value>
<shrsOrPrnAmt>
<sshPrnamt>2889</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>2476</Sole>
<Shared>0</Shared>
<None>413</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ISHARES SELECT DIVIDEND ETF</nameOfIssuer>
<titleOfClass>Exchange Traded Fund</titleOfClass>
<cusip>464287168</cusip>
<value>218678</value>
<shrsOrPrnAmt>
<sshPrnamt>1619</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>935</Sole>
<Shared>0</Shared>
<None>684</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ISHARES US TREASURY BOND ETF</nameOfIssuer>
<titleOfClass>Fixed Income ETF</titleOfClass>
<cusip>46429B267</cusip>
<value>286536</value>
<shrsOrPrnAmt>
<sshPrnamt>12219</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>12219</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>JOHN HANCOCK MORTGAGE-BACKED ETF</nameOfIssuer>
<titleOfClass>Fixed Income ETF</titleOfClass>
<cusip>47804J792</cusip>
<value>4075835</value>
<shrsOrPrnAmt>
<sshPrnamt>182364</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>182364</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>JOHN HANCOCK MORTGAGE-BACKED ETF</nameOfIssuer>
<titleOfClass>Fixed Income ETF</titleOfClass>
<cusip>47804J792</cusip>
<value>165435</value>
<shrsOrPrnAmt>
<sshPrnamt>7402</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>7402</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>478160104</cusip>
<value>32412</value>
<shrsOrPrnAmt>
<sshPrnamt>200</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>200</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>478160104</cusip>
<value>588926</value>
<shrsOrPrnAmt>
<sshPrnamt>3634</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>3634</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>JP MORGAN CHASE &amp; CO</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>46625H100</cusip>
<value>48920</value>
<shrsOrPrnAmt>
<sshPrnamt>232</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>83</Shared>
<None>149</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>JP MORGAN CHASE &amp; CO</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>46625H100</cusip>
<value>1189883</value>
<shrsOrPrnAmt>
<sshPrnamt>5643</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>5643</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>LINKBANCORP INC.</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>53578P105</cusip>
<value>264252</value>
<shrsOrPrnAmt>
<sshPrnamt>41225</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>41225</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>LOCKHEED MARTIN CORPORATION</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>539830109</cusip>
<value>375872</value>
<shrsOrPrnAmt>
<sshPrnamt>643</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>643</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>LOCKHEED MARTIN CORPORATION</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>539830109</cusip>
<value>21629</value>
<shrsOrPrnAmt>
<sshPrnamt>37</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>37</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>LOWES COMPANIES INC</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>548661107</cusip>
<value>606704</value>
<shrsOrPrnAmt>
<sshPrnamt>2240</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>2240</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>MASTERCARD INC CLASS A</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>57636Q104</cusip>
<value>13826</value>
<shrsOrPrnAmt>
<sshPrnamt>28</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>28</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>MASTERCARD INC CLASS A</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>57636Q104</cusip>
<value>297761</value>
<shrsOrPrnAmt>
<sshPrnamt>603</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>603</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>MCCORMICK &amp; CO INC</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>579780206</cusip>
<value>246571</value>
<shrsOrPrnAmt>
<sshPrnamt>2996</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>2996</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>MCDONALDS CORP</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>580135101</cusip>
<value>778632</value>
<shrsOrPrnAmt>
<sshPrnamt>2557</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>2557</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>MERCK &amp; CO. INC</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>58933Y105</cusip>
<value>207133</value>
<shrsOrPrnAmt>
<sshPrnamt>1824</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>1824</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>META PLATFORMS INC</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>30303M102</cusip>
<value>219817</value>
<shrsOrPrnAmt>
<sshPrnamt>384</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>384</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>594918104</cusip>
<value>185029</value>
<shrsOrPrnAmt>
<sshPrnamt>430</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>309</Shared>
<None>121</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>594918104</cusip>
<value>3304274</value>
<shrsOrPrnAmt>
<sshPrnamt>7679</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>7679</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>MONARCH CASINO &amp; RESORT INC</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>609027107</cusip>
<value>237810</value>
<shrsOrPrnAmt>
<sshPrnamt>3000</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>3000</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>MONDELEZ INTERNATIONAL INC</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>609207105</cusip>
<value>11051</value>
<shrsOrPrnAmt>
<sshPrnamt>150</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>150</Sole>
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<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>MONDELEZ INTERNATIONAL INC</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>609207105</cusip>
<value>353469</value>
<shrsOrPrnAmt>
<sshPrnamt>4798</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>4798</Sole>
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<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>NBT BANCORP INC             COM</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>628778102</cusip>
<value>218408</value>
<shrsOrPrnAmt>
<sshPrnamt>4938</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>4938</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>NEXTERA ENERGY INC</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>65339F101</cusip>
<value>12510</value>
<shrsOrPrnAmt>
<sshPrnamt>148</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>148</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>NEXTERA ENERGY INC</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>65339F101</cusip>
<value>458575</value>
<shrsOrPrnAmt>
<sshPrnamt>5425</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>5425</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>NVIDIA CORP</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>67066G104</cusip>
<value>361891</value>
<shrsOrPrnAmt>
<sshPrnamt>2980</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>2980</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>PEOPLES FINANCIAL SVCS CORP</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>711040105</cusip>
<value>366648</value>
<shrsOrPrnAmt>
<sshPrnamt>7821</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>7821</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>PEPSICO INC</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>713448108</cusip>
<value>420194</value>
<shrsOrPrnAmt>
<sshPrnamt>2471</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>2471</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>PHILIP MORRIS INTL INC</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>718172109</cusip>
<value>638443</value>
<shrsOrPrnAmt>
<sshPrnamt>5259</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>5259</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>PHILIP MORRIS INTL INC</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>718172109</cusip>
<value>11776</value>
<shrsOrPrnAmt>
<sshPrnamt>97</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>97</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>PIMCO COMMODITIES ACTIVE STRATEGY ETF</nameOfIssuer>
<titleOfClass>Exchange Traded Fund</titleOfClass>
<cusip>72201R593</cusip>
<value>2792136</value>
<shrsOrPrnAmt>
<sshPrnamt>104457</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>104457</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>PIMCO COMMODITIES ACTIVE STRATEGY ETF</nameOfIssuer>
<titleOfClass>Exchange Traded Fund</titleOfClass>
<cusip>72201R593</cusip>
<value>239634</value>
<shrsOrPrnAmt>
<sshPrnamt>8965</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>1332</Shared>
<None>7633</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>PNC FINANCIAL SERVICES GROUP INC.</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>693475105</cusip>
<value>1774930</value>
<shrsOrPrnAmt>
<sshPrnamt>9602</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>9602</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>PNC FINANCIAL SERVICES GROUP INC.</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>693475105</cusip>
<value>19594</value>
<shrsOrPrnAmt>
<sshPrnamt>106</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>106</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>PPL CORP. COM</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>69351T106</cusip>
<value>894937</value>
<shrsOrPrnAmt>
<sshPrnamt>27054</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>27009</Sole>
<Shared>45</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>PPL CORP. COM</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>69351T106</cusip>
<value>5987</value>
<shrsOrPrnAmt>
<sshPrnamt>181</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>181</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>PROCTER &amp; GAMBLE CO.</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>742718109</cusip>
<value>975289</value>
<shrsOrPrnAmt>
<sshPrnamt>5631</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>5431</Sole>
<Shared>0</Shared>
<None>200</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>PROCTER &amp; GAMBLE CO.</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>742718109</cusip>
<value>12990</value>
<shrsOrPrnAmt>
<sshPrnamt>75</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>75</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>PROGRESSIVE CORPORATION</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>743315103</cusip>
<value>400433</value>
<shrsOrPrnAmt>
<sshPrnamt>1578</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>1578</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>PROGRESSIVE CORPORATION</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>743315103</cusip>
<value>57857</value>
<shrsOrPrnAmt>
<sshPrnamt>228</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>228</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>RTX CORPORATION</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>75513E101</cusip>
<value>328707</value>
<shrsOrPrnAmt>
<sshPrnamt>2713</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>2713</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>RTX CORPORATION</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>75513E101</cusip>
<value>12116</value>
<shrsOrPrnAmt>
<sshPrnamt>100</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>100</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>SPDR DOW JONES INDL AVERAGE</nameOfIssuer>
<titleOfClass>Exchange Traded Fund</titleOfClass>
<cusip>78467X109</cusip>
<value>643566</value>
<shrsOrPrnAmt>
<sshPrnamt>1521</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>75</Sole>
<Shared>0</Shared>
<None>1446</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>SPDR INTERMEDIATE TERM CORPORATE BOND</nameOfIssuer>
<titleOfClass>Fixed Income ETF</titleOfClass>
<cusip>78464A375</cusip>
<value>5159686</value>
<shrsOrPrnAmt>
<sshPrnamt>153061</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>150580</Sole>
<Shared>0</Shared>
<None>2481</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>SPDR INTERMEDIATE TERM CORPORATE BOND</nameOfIssuer>
<titleOfClass>Fixed Income ETF</titleOfClass>
<cusip>78464A375</cusip>
<value>183214</value>
<shrsOrPrnAmt>
<sshPrnamt>5435</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>5435</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF</nameOfIssuer>
<titleOfClass>International Equity ETF</titleOfClass>
<cusip>78463X889</cusip>
<value>11016085</value>
<shrsOrPrnAmt>
<sshPrnamt>293293</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>293293</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF</nameOfIssuer>
<titleOfClass>International Equity ETF</titleOfClass>
<cusip>78463X889</cusip>
<value>209059</value>
<shrsOrPrnAmt>
<sshPrnamt>5566</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>5566</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>SPDR S&amp;P 500 ETF TRUST</nameOfIssuer>
<titleOfClass>Exchange Traded Fund</titleOfClass>
<cusip>78462F103</cusip>
<value>372944</value>
<shrsOrPrnAmt>
<sshPrnamt>650</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>179</Sole>
<Shared>0</Shared>
<None>471</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>SPDR S&amp;P 500 ETF TRUST</nameOfIssuer>
<titleOfClass>Exchange Traded Fund</titleOfClass>
<cusip>78462F103</cusip>
<value>706872</value>
<shrsOrPrnAmt>
<sshPrnamt>1232</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>1232</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>SPDR S&amp;P 500 GROWTH ETF</nameOfIssuer>
<titleOfClass>Exchange Traded Fund</titleOfClass>
<cusip>78464A409</cusip>
<value>1265913</value>
<shrsOrPrnAmt>
<sshPrnamt>15263</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>15263</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>TARGET CORP.</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>87612E106</cusip>
<value>208229</value>
<shrsOrPrnAmt>
<sshPrnamt>1336</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>1336</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>TEXAS INSTRUMENTS INC</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>882508104</cusip>
<value>242100</value>
<shrsOrPrnAmt>
<sshPrnamt>1172</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>1172</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>THE COCA COLA COMPANY</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>191216100</cusip>
<value>28744</value>
<shrsOrPrnAmt>
<sshPrnamt>400</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>400</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>THE COCA COLA COMPANY</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>191216100</cusip>
<value>334652</value>
<shrsOrPrnAmt>
<sshPrnamt>4657</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>4657</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>THE WALT DISNEY COMPANY</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>254687106</cusip>
<value>28857</value>
<shrsOrPrnAmt>
<sshPrnamt>300</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>300</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>THE WALT DISNEY COMPANY</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>254687106</cusip>
<value>212099</value>
<shrsOrPrnAmt>
<sshPrnamt>2205</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>2205</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>TRANE TECHNOLOGIES PLC</nameOfIssuer>
<titleOfClass>Int'l Common Stock</titleOfClass>
<cusip>G8994E103</cusip>
<value>398448</value>
<shrsOrPrnAmt>
<sshPrnamt>1025</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>1025</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VANECK CEF MUNI INCOME ETF</nameOfIssuer>
<titleOfClass>Exchange Traded Fund</titleOfClass>
<cusip>92189F460</cusip>
<value>23554720</value>
<shrsOrPrnAmt>
<sshPrnamt>1016613</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>1016613</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VANECK CEF MUNI INCOME ETF</nameOfIssuer>
<titleOfClass>Exchange Traded Fund</titleOfClass>
<cusip>92189F460</cusip>
<value>651303</value>
<shrsOrPrnAmt>
<sshPrnamt>28110</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>27672</Shared>
<None>438</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VANECK JPM EM LC BOND</nameOfIssuer>
<titleOfClass>Fixed Income ETF</titleOfClass>
<cusip>92189H300</cusip>
<value>1658112</value>
<shrsOrPrnAmt>
<sshPrnamt>65280</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>64636</Sole>
<Shared>0</Shared>
<None>644</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VANECK JPM EM LC BOND</nameOfIssuer>
<titleOfClass>Fixed Income ETF</titleOfClass>
<cusip>92189H300</cusip>
<value>78994</value>
<shrsOrPrnAmt>
<sshPrnamt>3110</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>3110</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VANGUARD DIVIDEND APPRECIATION ETF</nameOfIssuer>
<titleOfClass>Exchange Traded Fund</titleOfClass>
<cusip>921908844</cusip>
<value>2904352</value>
<shrsOrPrnAmt>
<sshPrnamt>14664</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>14228</Sole>
<Shared>0</Shared>
<None>436</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VANGUARD DIVIDEND APPRECIATION ETF</nameOfIssuer>
<titleOfClass>Exchange Traded Fund</titleOfClass>
<cusip>921908844</cusip>
<value>60606</value>
<shrsOrPrnAmt>
<sshPrnamt>306</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>306</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VANGUARD FTSE DEVELOPED ETF</nameOfIssuer>
<titleOfClass>International Equity ETF</titleOfClass>
<cusip>921943858</cusip>
<value>973500</value>
<shrsOrPrnAmt>
<sshPrnamt>18434</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>18434</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VANGUARD FTSE EMERGING MARKETS ETF</nameOfIssuer>
<titleOfClass>International Equity ETF</titleOfClass>
<cusip>922042858</cusip>
<value>287818</value>
<shrsOrPrnAmt>
<sshPrnamt>6015</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>6015</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VANGUARD I VANGUARD REIT ETF</nameOfIssuer>
<titleOfClass>Exchange Traded Fund</titleOfClass>
<cusip>922908553</cusip>
<value>415983</value>
<shrsOrPrnAmt>
<sshPrnamt>4270</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>4270</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VANGUARD S&amp;P SMALL-CAP 600 ETF</nameOfIssuer>
<titleOfClass>Exchange Traded Fund</titleOfClass>
<cusip>921932828</cusip>
<value>2604974</value>
<shrsOrPrnAmt>
<sshPrnamt>24080</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>24080</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VANGUARD S&amp;P SMALL-CAP 600 ETF</nameOfIssuer>
<titleOfClass>Exchange Traded Fund</titleOfClass>
<cusip>921932828</cusip>
<value>20771</value>
<shrsOrPrnAmt>
<sshPrnamt>192</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>192</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VANGUARD SMALL-CAP VALUE INDEX FUND</nameOfIssuer>
<titleOfClass>Exchange Traded Fund</titleOfClass>
<cusip>922908611</cusip>
<value>979204</value>
<shrsOrPrnAmt>
<sshPrnamt>4877</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>4877</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VANGUARD SMALL-CAP VALUE INDEX FUND</nameOfIssuer>
<titleOfClass>Exchange Traded Fund</titleOfClass>
<cusip>922908611</cusip>
<value>20078</value>
<shrsOrPrnAmt>
<sshPrnamt>100</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>100</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VANGUARD TOTAL STOCK MARKET INDEX FUND</nameOfIssuer>
<titleOfClass>Exchange Traded Fund</titleOfClass>
<cusip>922908769</cusip>
<value>952833</value>
<shrsOrPrnAmt>
<sshPrnamt>3365</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>3365</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VANGUARD VALUE ETF</nameOfIssuer>
<titleOfClass>Exchange Traded Fund</titleOfClass>
<cusip>922908744</cusip>
<value>278443</value>
<shrsOrPrnAmt>
<sshPrnamt>1595</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>1595</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VANGUARD VALUE ETF</nameOfIssuer>
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