<SEC-DOCUMENT>0001437749-25-004716.txt : 20250221
<SEC-HEADER>0001437749-25-004716.hdr.sgml : 20250221
<ACCEPTANCE-DATETIME>20250221143305
ACCESSION NUMBER:		0001437749-25-004716
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20241231
FILED AS OF DATE:		20250221
DATE AS OF CHANGE:		20250221
EFFECTIVENESS DATE:		20250221

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:		25650831

	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>
<DOCUMENT>
<TYPE>13F-HR
<SEQUENCE>1
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        <credentials>
          <cik>0001098151</cik>
          <ccc>XXXXXXXX</ccc>
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        <fileNumber>28-00138229</fileNumber>
      </filer>
      <periodOfReport>12-31-2024</periodOfReport>
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      <reportCalendarOrQuarter>12-31-2024</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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      <reportType>13F HOLDINGS REPORT</reportType>
      <form13FFileNumber>028-23470</form13FFileNumber>
      <provideInfoForInstruction5>N</provideInfoForInstruction5>
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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>02-19-2025</signatureDate>
    </signatureBlock>
    <summaryPage>
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      <tableValueTotal>137399304</tableValueTotal>
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<nameOfIssuer>CATERPILLAR INC.</nameOfIssuer>
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<nameOfIssuer>CISCO SYSTEMS INC.</nameOfIssuer>
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<nameOfIssuer>COSTCO WHOLESALE CORP</nameOfIssuer>
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<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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<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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<votingAuthority>
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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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<nameOfIssuer>FIDELITY D &amp; D BANCORP INC.</nameOfIssuer>
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<nameOfIssuer>GARMIN LTD</nameOfIssuer>
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<nameOfIssuer>GARMIN LTD</nameOfIssuer>
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<infoTable>
<nameOfIssuer>GENERAL ELECTRIC CO.</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
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<infoTable>
<nameOfIssuer>GENERAL ELECTRIC CO.</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
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<investmentDiscretion>OTR</investmentDiscretion>
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<nameOfIssuer>GOLDMAN SACHS GROUP INC</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
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<nameOfIssuer>GOODYEAR TIRE &amp; RUBBER CO</nameOfIssuer>
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<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
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<nameOfIssuer>HARBOR LONG TERM GROWER ETF</nameOfIssuer>
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<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
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<infoTable>
<nameOfIssuer>HOME DEPOT INC.</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
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<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
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<infoTable>
<nameOfIssuer>HOME DEPOT INC.</nameOfIssuer>
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<investmentDiscretion>OTR</investmentDiscretion>
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<nameOfIssuer>HONAT BANCORP INC</nameOfIssuer>
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<investmentDiscretion>SOLE</investmentDiscretion>
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<nameOfIssuer>HONEYWELL INTERNATIONAL INC</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
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<investmentDiscretion>SOLE</investmentDiscretion>
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<nameOfIssuer>INTERNATIONAL BUSINESS MACHINES CORP</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
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<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
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<infoTable>
<nameOfIssuer>INTERNATIONAL BUSINESS MACHINES CORP</nameOfIssuer>
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<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
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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>SOLE</investmentDiscretion>
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<infoTable>
<nameOfIssuer>INVESCO S&amp;P 500 QUALITY ETF</nameOfIssuer>
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<sshPrnamt>1025</sshPrnamt>
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<investmentDiscretion>OTR</investmentDiscretion>
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<infoTable>
<nameOfIssuer>ISHARES 10-20 TREASURY ETF</nameOfIssuer>
<titleOfClass>Fixed Income ETF</titleOfClass>
<cusip>464288653</cusip>
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<investmentDiscretion>SOLE</investmentDiscretion>
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<infoTable>
<nameOfIssuer>ISHARES 10-20 TREASURY ETF</nameOfIssuer>
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<sshPrnamt>785</sshPrnamt>
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<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
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<infoTable>
<nameOfIssuer>ISHARES 1-3 YEAR TREASURY BOND ETF</nameOfIssuer>
<titleOfClass>Fixed Income ETF</titleOfClass>
<cusip>464287457</cusip>
<value>2423657</value>
<shrsOrPrnAmt>
<sshPrnamt>29564</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>29534</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>840705</value>
<shrsOrPrnAmt>
<sshPrnamt>10255</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>1004</Shared>
<None>9251</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ISHARES CORE S&amp;P 500 ETF</nameOfIssuer>
<titleOfClass>Exchange Traded Fund</titleOfClass>
<cusip>464287200</cusip>
<value>208393</value>
<shrsOrPrnAmt>
<sshPrnamt>354</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>354</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ISHARES MSCI EAFE ETF</nameOfIssuer>
<titleOfClass>International Equity ETF</titleOfClass>
<cusip>464287465</cusip>
<value>481711</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>141618</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>2422521</value>
<shrsOrPrnAmt>
<sshPrnamt>22736</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>14736</Sole>
<Shared>0</Shared>
<None>8000</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ISHARES RUSSELL 1000 GROWTH ETF</nameOfIssuer>
<titleOfClass>Exchange Traded Fund</titleOfClass>
<cusip>464287614</cusip>
<value>4764345</value>
<shrsOrPrnAmt>
<sshPrnamt>11864</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>11034</Sole>
<Shared>0</Shared>
<None>830</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ISHARES RUSSELL 1000 GROWTH ETF</nameOfIssuer>
<titleOfClass>Exchange Traded Fund</titleOfClass>
<cusip>464287614</cusip>
<value>48190</value>
<shrsOrPrnAmt>
<sshPrnamt>120</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>120</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ISHARES RUSSELL 1000 VALUE ETF</nameOfIssuer>
<titleOfClass>Exchange Traded Fund</titleOfClass>
<cusip>464287598</cusip>
<value>576310</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>256802</value>
<shrsOrPrnAmt>
<sshPrnamt>2905</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>2492</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>214790</value>
<shrsOrPrnAmt>
<sshPrnamt>1636</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>952</Sole>
<Shared>0</Shared>
<None>684</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>Janus Henderson Small Cap Growth Alpha ETF</nameOfIssuer>
<titleOfClass>Exchange Traded Fund</titleOfClass>
<cusip>47103U100</cusip>
<value>1163775</value>
<shrsOrPrnAmt>
<sshPrnamt>17754</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>17595</Sole>
<Shared>0</Shared>
<None>159</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>Janus Henderson Small Cap Growth Alpha ETF</nameOfIssuer>
<titleOfClass>Exchange Traded Fund</titleOfClass>
<cusip>47103U100</cusip>
<value>8849</value>
<shrsOrPrnAmt>
<sshPrnamt>135</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>135</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>JOHN HANCOCK MORTGAGE-BACKED ETF</nameOfIssuer>
<titleOfClass>Fixed Income ETF</titleOfClass>
<cusip>47804J792</cusip>
<value>4725178</value>
<shrsOrPrnAmt>
<sshPrnamt>219878</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>219878</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>161712</value>
<shrsOrPrnAmt>
<sshPrnamt>7525</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>7525</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>478160104</cusip>
<value>531623</value>
<shrsOrPrnAmt>
<sshPrnamt>3676</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>3676</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>478160104</cusip>
<value>28924</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>JP MORGAN CHASE &amp; CO</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>46625H100</cusip>
<value>1352684</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>JP MORGAN CHASE &amp; CO</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>46625H100</cusip>
<value>55613</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>KYNDRYL HOLDINGS INC.</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>50155Q100</cusip>
<value>242200</value>
<shrsOrPrnAmt>
<sshPrnamt>7000</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>7000</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>KYNDRYL HOLDINGS INC.</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>50155Q100</cusip>
<value>381</value>
<shrsOrPrnAmt>
<sshPrnamt>11</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>5</Sole>
<Shared>0</Shared>
<None>6</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>LINKBANCORP INC.</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>53578P105</cusip>
<value>300883</value>
<shrsOrPrnAmt>
<sshPrnamt>40225</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>40225</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>LOCKHEED MARTIN CORPORATION</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>539830109</cusip>
<value>312459</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>17980</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>495821</value>
<shrsOrPrnAmt>
<sshPrnamt>2009</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>2009</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>MASTERCARD INC CLASS A</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>57636Q104</cusip>
<value>317522</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>228415</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>705592</value>
<shrsOrPrnAmt>
<sshPrnamt>2434</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>2434</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>META PLATFORMS INC</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>30303M102</cusip>
<value>224836</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>3384224</value>
<shrsOrPrnAmt>
<sshPrnamt>8029</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>8029</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>594918104</cusip>
<value>181245</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>MONARCH CASINO &amp; RESORT INC</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>609027107</cusip>
<value>236700</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>284195</value>
<shrsOrPrnAmt>
<sshPrnamt>4758</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>4758</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>MONDELEZ INTERNATIONAL INC</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>609207105</cusip>
<value>8960</value>
<shrsOrPrnAmt>
<sshPrnamt>150</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>150</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>NBT BANCORP INC             COM</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>628778102</cusip>
<value>235839</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>384330</value>
<shrsOrPrnAmt>
<sshPrnamt>5361</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>5361</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>NEXTERA ENERGY INC</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>65339F101</cusip>
<value>10610</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>NVIDIA CORP</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>67066G104</cusip>
<value>378161</value>
<shrsOrPrnAmt>
<sshPrnamt>2816</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>2816</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>PEOPLES FINANCIAL SVCS CORP</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>711040105</cusip>
<value>400279</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>379542</value>
<shrsOrPrnAmt>
<sshPrnamt>2496</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>2496</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>PHILIP MORRIS INTL INC</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>718172109</cusip>
<value>586947</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>PHILIP MORRIS INTL INC</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>718172109</cusip>
<value>11674</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>3259569</value>
<shrsOrPrnAmt>
<sshPrnamt>129143</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>127358</Sole>
<Shared>0</Shared>
<None>1785</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>PIMCO COMMODITIES ACTIVE STRATEGY ETF</nameOfIssuer>
<titleOfClass>Exchange Traded Fund</titleOfClass>
<cusip>72201R593</cusip>
<value>230946</value>
<shrsOrPrnAmt>
<sshPrnamt>9150</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>1517</Shared>
<None>7633</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>PNC FINANCIAL SERVICES GROUP INC.</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>693475105</cusip>
<value>1821083</value>
<shrsOrPrnAmt>
<sshPrnamt>9443</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>9443</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>20442</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>857649</value>
<shrsOrPrnAmt>
<sshPrnamt>26422</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>26377</Sole>
<Shared>45</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>PPL CORP. COM</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>69351T106</cusip>
<value>5875</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>947390</value>
<shrsOrPrnAmt>
<sshPrnamt>5651</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>5451</Sole>
<Shared>0</Shared>
<None>200</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>PROCTER &amp; GAMBLE CO.</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>742718109</cusip>
<value>12574</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>378105</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>54631</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>315221</value>
<shrsOrPrnAmt>
<sshPrnamt>2724</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>2724</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>RTX CORPORATION</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>75513E101</cusip>
<value>11572</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>647186</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>5826923</value>
<shrsOrPrnAmt>
<sshPrnamt>177867</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>175386</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>182277</value>
<shrsOrPrnAmt>
<sshPrnamt>5564</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>5564</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>11899868</value>
<shrsOrPrnAmt>
<sshPrnamt>348663</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>345601</Sole>
<Shared>0</Shared>
<None>3062</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF</nameOfIssuer>
<titleOfClass>International Equity ETF</titleOfClass>
<cusip>78463X889</cusip>
<value>194814</value>
<shrsOrPrnAmt>
<sshPrnamt>5708</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>5708</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>380952</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>722051</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>1341618</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>TEXAS INSTRUMENTS INC</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>882508104</cusip>
<value>217887</value>
<shrsOrPrnAmt>
<sshPrnamt>1162</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>1162</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>THE COCA COLA COMPANY</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>191216100</cusip>
<value>280170</value>
<shrsOrPrnAmt>
<sshPrnamt>4500</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>4500</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>THE COCA COLA COMPANY</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>191216100</cusip>
<value>24904</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 WALT DISNEY COMPANY</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>254687106</cusip>
<value>175822</value>
<shrsOrPrnAmt>
<sshPrnamt>1579</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>1579</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>THE WALT DISNEY COMPANY</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>254687106</cusip>
<value>33405</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>VANECK JPM EM LC BOND</nameOfIssuer>
<titleOfClass>Fixed Income ETF</titleOfClass>
<cusip>92189H300</cusip>
<value>1964835</value>
<shrsOrPrnAmt>
<sshPrnamt>85021</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>84377</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>75870</value>
<shrsOrPrnAmt>
<sshPrnamt>3283</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>3283</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VANGUARD DIVIDEND APPRECIATION ETF</nameOfIssuer>
<titleOfClass>Exchange Traded Fund</titleOfClass>
<cusip>921908844</cusip>
<value>3952437</value>
<shrsOrPrnAmt>
<sshPrnamt>20183</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>19577</Sole>
<Shared>0</Shared>
<None>606</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VANGUARD DIVIDEND APPRECIATION ETF</nameOfIssuer>
<titleOfClass>Exchange Traded Fund</titleOfClass>
<cusip>921908844</cusip>
<value>67366</value>
<shrsOrPrnAmt>
<sshPrnamt>344</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>344</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VANGUARD FTSE DEVELOPED ETF</nameOfIssuer>
<titleOfClass>International Equity ETF</titleOfClass>
<cusip>921943858</cusip>
<value>936507</value>
<shrsOrPrnAmt>
<sshPrnamt>19584</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>19584</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>265914</value>
<shrsOrPrnAmt>
<sshPrnamt>6038</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>6038</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>380372</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>2489289</value>
<shrsOrPrnAmt>
<sshPrnamt>23475</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>23275</Sole>
<Shared>0</Shared>
<None>200</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VANGUARD S&amp;P SMALL-CAP 600 ETF</nameOfIssuer>
<titleOfClass>Exchange Traded Fund</titleOfClass>
<cusip>921932828</cusip>
<value>17815</value>
<shrsOrPrnAmt>
<sshPrnamt>168</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>168</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VANGUARD S&amp;P SMALL-CAP 600 VALUE ETF</nameOfIssuer>
<titleOfClass>Exchange Traded Fund</titleOfClass>
<cusip>921932778</cusip>
<value>220160</value>
<shrsOrPrnAmt>
<sshPrnamt>2359</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>2359</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>990504</value>
<shrsOrPrnAmt>
<sshPrnamt>4998</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>4998</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>19818</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>976370</value>
<shrsOrPrnAmt>
<sshPrnamt>3369</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>3369</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VANGUARD VALUE ETF</nameOfIssuer>
<titleOfClass>Exchange Traded Fund</titleOfClass>
<cusip>922908744</cusip>
<value>273931</value>
<shrsOrPrnAmt>
<sshPrnamt>1618</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>1618</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VANGUARD VALUE ETF</nameOfIssuer>
<titleOfClass>Exchange Traded Fund</titleOfClass>
<cusip>922908744</cusip>
<value>57050</value>
<shrsOrPrnAmt>
<sshPrnamt>337</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>337</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VERIZON COMMUNICATIONS, INC.</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>92343V104</cusip>
<value>261735</value>
<shrsOrPrnAmt>
<sshPrnamt>6545</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>6545</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VERIZON COMMUNICATIONS, INC.</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>92343V104</cusip>
<value>1640</value>
<shrsOrPrnAmt>
<sshPrnamt>41</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>41</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VISA INC CLASS A SHARES</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>92826C839</cusip>
<value>175718</value>
<shrsOrPrnAmt>
<sshPrnamt>556</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>556</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VISA INC CLASS A SHARES</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>92826C839</cusip>
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