<SEC-DOCUMENT>0001437749-25-027043.txt : 20250815
<SEC-HEADER>0001437749-25-027043.hdr.sgml : 20250815
<ACCEPTANCE-DATETIME>20250814190400
ACCESSION NUMBER:		0001437749-25-027043
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20250630
FILED AS OF DATE:		20250815
DATE AS OF CHANGE:		20250814
EFFECTIVENESS DATE:		20250815

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
		EIN:				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:		251221781

	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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        <credentials>
          <cik>0001098151</cik>
          <ccc>XXXXXXXX</ccc>
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        <fileNumber>28-00138229</fileNumber>
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      <periodOfReport>06-30-2025</periodOfReport>
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    <coverPage>
      <reportCalendarOrQuarter>06-30-2025</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>08-14-2025</signatureDate>
    </signatureBlock>
    <summaryPage>
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      <tableValueTotal>163190055</tableValueTotal>
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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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<infoTable>
<nameOfIssuer>CONOCOPHILLIPS</nameOfIssuer>
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<nameOfIssuer>COSTCO WHOLESALE CORP</nameOfIssuer>
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<nameOfIssuer>EATON CORPORATION PLC</nameOfIssuer>
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<nameOfIssuer>ELI LILLY &amp; CO</nameOfIssuer>
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<infoTable>
<nameOfIssuer>EMERSON ELECTRIC CO.</nameOfIssuer>
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<infoTable>
<nameOfIssuer>EMERSON ELECTRIC 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>
<votingAuthority>
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<nameOfIssuer>GARMIN LTD</nameOfIssuer>
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<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
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<infoTable>
<nameOfIssuer>GARMIN LTD</nameOfIssuer>
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<investmentDiscretion>OTR</investmentDiscretion>
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<infoTable>
<nameOfIssuer>GENERAL ELECTRIC CO.</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
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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>
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<nameOfIssuer>HARBOR LONG TERM GROWER ETF</nameOfIssuer>
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<infoTable>
<nameOfIssuer>HOME DEPOT INC.</nameOfIssuer>
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<investmentDiscretion>OTR</investmentDiscretion>
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<infoTable>
<nameOfIssuer>HOME DEPOT INC.</nameOfIssuer>
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<investmentDiscretion>SOLE</investmentDiscretion>
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<infoTable>
<nameOfIssuer>HONAT BANCORP INC</nameOfIssuer>
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<investmentDiscretion>SOLE</investmentDiscretion>
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<infoTable>
<nameOfIssuer>HONEYWELL INTERNATIONAL INC</nameOfIssuer>
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<investmentDiscretion>SOLE</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>INTERNATIONAL BUSINESS MACHINES CORP</nameOfIssuer>
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<investmentDiscretion>OTR</investmentDiscretion>
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<infoTable>
<nameOfIssuer>INVESCO S&amp;P 500 PURE VALUE</nameOfIssuer>
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<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
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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>
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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>
<votingAuthority>
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</votingAuthority>
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<infoTable>
<nameOfIssuer>ISHARES 1-3 YEAR TREASURY BOND ETF</nameOfIssuer>
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<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
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</votingAuthority>
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<infoTable>
<nameOfIssuer>ISHARES 1-3 YEAR TREASURY BOND ETF</nameOfIssuer>
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<sshPrnamt>10391</sshPrnamt>
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<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
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</votingAuthority>
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<infoTable>
<nameOfIssuer>ISHARES 10-20 TREASURY ETF</nameOfIssuer>
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<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
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<infoTable>
<nameOfIssuer>ISHARES 10-20 TREASURY ETF</nameOfIssuer>
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<investmentDiscretion>OTR</investmentDiscretion>
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</votingAuthority>
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<infoTable>
<nameOfIssuer>ISHARES CORE S&amp;P 500 ETF</nameOfIssuer>
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<sshPrnamt>354</sshPrnamt>
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<investmentDiscretion>SOLE</investmentDiscretion>
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<infoTable>
<nameOfIssuer>ISHARES CORE U.S. AGG BOND ETF.</nameOfIssuer>
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<investmentDiscretion>SOLE</investmentDiscretion>
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<infoTable>
<nameOfIssuer>ISHARES MSCI EAFE ETF</nameOfIssuer>
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<sshPrnamt>1873</sshPrnamt>
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<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
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</votingAuthority>
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<infoTable>
<nameOfIssuer>ISHARES MSCI EAFE ETF</nameOfIssuer>
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<sshPrnamt>6553</sshPrnamt>
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<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
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</votingAuthority>
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<infoTable>
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<infoTable>
<nameOfIssuer>ISHARES MSCI EAFE VALUE ETF</nameOfIssuer>
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<infoTable>
<nameOfIssuer>ISHARES NATIONAL MUNI BOND ETF</nameOfIssuer>
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<infoTable>
<nameOfIssuer>ISHARES RUSSELL 1000 GROWTH ETF</nameOfIssuer>
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<infoTable>
<nameOfIssuer>ISHARES RUSSELL 1000 GROWTH ETF</nameOfIssuer>
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<infoTable>
<nameOfIssuer>ISHARES RUSSELL 1000 VALUE ETF</nameOfIssuer>
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<infoTable>
<nameOfIssuer>ISHARES RUSSELL MID-CAP ETF</nameOfIssuer>
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<infoTable>
<nameOfIssuer>ISHARES SELECT DIVIDEND ETF</nameOfIssuer>
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<infoTable>
<nameOfIssuer>Janus Henderson Small Cap Growth Alpha ETF</nameOfIssuer>
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<infoTable>
<nameOfIssuer>Janus Henderson Small Cap Growth Alpha ETF</nameOfIssuer>
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<infoTable>
<nameOfIssuer>JOHN HANCOCK MORTGAGE-BACKED ETF</nameOfIssuer>
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<infoTable>
<nameOfIssuer>JOHN HANCOCK MORTGAGE-BACKED ETF</nameOfIssuer>
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<cusip>47804J792</cusip>
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<sshPrnamt>8369</sshPrnamt>
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<investmentDiscretion>OTR</investmentDiscretion>
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</infoTable>
<infoTable>
<nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>478160104</cusip>
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<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
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<infoTable>
<nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>478160104</cusip>
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<infoTable>
<nameOfIssuer>JOHNSON CONTROLS INTERNATI</nameOfIssuer>
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<investmentDiscretion>SOLE</investmentDiscretion>
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<None>0</None>
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</infoTable>
<infoTable>
<nameOfIssuer>JP MORGAN CHASE &amp; CO</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>46625H100</cusip>
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<sshPrnamt>232</sshPrnamt>
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<investmentDiscretion>OTR</investmentDiscretion>
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</votingAuthority>
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<infoTable>
<nameOfIssuer>JP MORGAN CHASE &amp; CO</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>46625H100</cusip>
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<sshPrnamt>5548</sshPrnamt>
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<investmentDiscretion>SOLE</investmentDiscretion>
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<Sole>4948</Sole>
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</infoTable>
<infoTable>
<nameOfIssuer>KYNDRYL HOLDINGS INC.</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>50155Q100</cusip>
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<sshPrnamt>6750</sshPrnamt>
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<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>6750</Sole>
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</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>KYNDRYL HOLDINGS INC.</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>50155Q100</cusip>
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<sshPrnamt>11</sshPrnamt>
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<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
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</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>LINKBANCORP INC.</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>53578P105</cusip>
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<sshPrnamt>40225</sshPrnamt>
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<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>40225</Sole>
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<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>LOCKHEED MARTIN CORPORATION</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>539830109</cusip>
<value>355692</value>
<shrsOrPrnAmt>
<sshPrnamt>768</sshPrnamt>
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</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>643</Sole>
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</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>LOCKHEED MARTIN CORPORATION</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>539830109</cusip>
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<sshPrnamt>37</sshPrnamt>
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<investmentDiscretion>OTR</investmentDiscretion>
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</votingAuthority>
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<infoTable>
<nameOfIssuer>LOWES COMPANIES INC</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>548661107</cusip>
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<sshPrnamt>1302</sshPrnamt>
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<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
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<None>0</None>
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</infoTable>
<infoTable>
<nameOfIssuer>MARATHON PETROLEUM CORP</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>56585A102</cusip>
<value>283550</value>
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<sshPrnamt>1707</sshPrnamt>
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<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>1259</Sole>
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</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>MASTERCARD INC CLASS A</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>57636Q104</cusip>
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<sshPrnamt>659</sshPrnamt>
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<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
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</votingAuthority>
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<infoTable>
<nameOfIssuer>MCCORMICK &amp; CO INC</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>579780206</cusip>
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<sshPrnamt>2908</sshPrnamt>
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<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
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</votingAuthority>
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<infoTable>
<nameOfIssuer>MCDONALDS CORP</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
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<investmentDiscretion>SOLE</investmentDiscretion>
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<nameOfIssuer>MERCK &amp; CO. INC</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>58933Y105</cusip>
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<investmentDiscretion>SOLE</investmentDiscretion>
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<infoTable>
<nameOfIssuer>META PLATFORMS INC</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>30303M102</cusip>
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<sshPrnamt>446</sshPrnamt>
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<investmentDiscretion>SOLE</investmentDiscretion>
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</votingAuthority>
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<infoTable>
<nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>594918104</cusip>
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<sshPrnamt>430</sshPrnamt>
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<investmentDiscretion>OTR</investmentDiscretion>
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<infoTable>
<nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
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<investmentDiscretion>SOLE</investmentDiscretion>
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<nameOfIssuer>MONARCH CASINO &amp; RESORT INC</nameOfIssuer>
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<investmentDiscretion>SOLE</investmentDiscretion>
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<None>0</None>
</votingAuthority>
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<infoTable>
<nameOfIssuer>MONDELEZ INTERNATIONAL INC</nameOfIssuer>
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<cusip>609207105</cusip>
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<sshPrnamt>4563</sshPrnamt>
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<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
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</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>MONDELEZ INTERNATIONAL INC</nameOfIssuer>
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<cusip>609207105</cusip>
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<sshPrnamt>150</sshPrnamt>
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<infoTable>
<nameOfIssuer>NBT BANCORP INC</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
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<investmentDiscretion>SOLE</investmentDiscretion>
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</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>NEXTERA ENERGY INC</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>65339F101</cusip>
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<investmentDiscretion>OTR</investmentDiscretion>
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</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>NEXTERA ENERGY INC</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
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<investmentDiscretion>SOLE</investmentDiscretion>
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</votingAuthority>
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<infoTable>
<nameOfIssuer>NISSAN MOTOR CO LTD</nameOfIssuer>
<titleOfClass>Int'l Common Stock</titleOfClass>
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<value>48489</value>
<shrsOrPrnAmt>
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<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
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</votingAuthority>
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<infoTable>
<nameOfIssuer>NVIDIA CORP</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
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<shrsOrPrnAmt>
<sshPrnamt>2316</sshPrnamt>
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<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>2316</Sole>
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</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>PEOPLES FINANCIAL SVCS CORP</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>711040105</cusip>
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<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
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<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>PHILIP MORRIS INTL INC</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>718172109</cusip>
<value>646926</value>
<shrsOrPrnAmt>
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</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
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</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>PHILIP MORRIS INTL INC</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
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</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
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<None>97</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>PIMCO COMMODITIES ACTIVE STRATEGY ETF</nameOfIssuer>
<titleOfClass>Exchange Traded Fund</titleOfClass>
<cusip>72201R593</cusip>
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<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>160122</Sole>
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<None>1967</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>PIMCO COMMODITIES ACTIVE STRATEGY ETF</nameOfIssuer>
<titleOfClass>Exchange Traded Fund</titleOfClass>
<cusip>72201R593</cusip>
<value>123545</value>
<shrsOrPrnAmt>
<sshPrnamt>4783</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>1457</Shared>
<None>3326</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>PNC FINANCIAL SERVICES GROUP INC.</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>693475105</cusip>
<value>19761</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>PNC FINANCIAL SERVICES GROUP INC.</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>693475105</cusip>
<value>1540202</value>
<shrsOrPrnAmt>
<sshPrnamt>8262</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>8262</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>PPL CORP. COM</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>69351T106</cusip>
<value>838666</value>
<shrsOrPrnAmt>
<sshPrnamt>24747</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>24702</Sole>
<Shared>45</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>PPL CORP. COM</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>69351T106</cusip>
<value>6134</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>11949</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>PROCTER &amp; GAMBLE CO.</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>742718109</cusip>
<value>797556</value>
<shrsOrPrnAmt>
<sshPrnamt>5006</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>5006</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>PROGRESSIVE CORPORATION</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>743315103</cusip>
<value>60844</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>PROGRESSIVE CORPORATION</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>743315103</cusip>
<value>593230</value>
<shrsOrPrnAmt>
<sshPrnamt>2223</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>1523</Sole>
<Shared>0</Shared>
<None>700</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>RTX CORPORATION</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>75513E101</cusip>
<value>297005</value>
<shrsOrPrnAmt>
<sshPrnamt>2034</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>2034</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>RTX CORPORATION</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>75513E101</cusip>
<value>14602</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 INDUSTRIAL AVERAGE ETF</nameOfIssuer>
<titleOfClass>Exchange Traded Fund</titleOfClass>
<cusip>78467X109</cusip>
<value>630570</value>
<shrsOrPrnAmt>
<sshPrnamt>1431</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>1431</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>SPDR INTERMEDIATE TERM CORPORATE BOND</nameOfIssuer>
<titleOfClass>Fixed Income ETF</titleOfClass>
<cusip>78464A375</cusip>
<value>6643769</value>
<shrsOrPrnAmt>
<sshPrnamt>197849</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>196652</Sole>
<Shared>0</Shared>
<None>1197</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>SPDR INTERMEDIATE TERM CORPORATE BOND</nameOfIssuer>
<titleOfClass>Fixed Income ETF</titleOfClass>
<cusip>78464A375</cusip>
<value>184589</value>
<shrsOrPrnAmt>
<sshPrnamt>5497</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>5497</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>218160</value>
<shrsOrPrnAmt>
<sshPrnamt>5388</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>5388</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>15266755</value>
<shrsOrPrnAmt>
<sshPrnamt>377050</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>373702</Sole>
<Shared>0</Shared>
<None>3348</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>SPDR S&amp;P 500 ETF TRUST</nameOfIssuer>
<titleOfClass>Exchange Traded Fund</titleOfClass>
<cusip>78462F103</cusip>
<value>517140</value>
<shrsOrPrnAmt>
<sshPrnamt>837</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>837</Sole>
<Shared>0</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>761191</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>1454869</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>SPDR S&amp;P 600 Small Cap ETF</nameOfIssuer>
<titleOfClass>Exchange Traded Fund</titleOfClass>
<cusip>78468R853</cusip>
<value>277667</value>
<shrsOrPrnAmt>
<sshPrnamt>6518</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>6518</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>TEXAS INSTRUMENTS INC</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>882508104</cusip>
<value>242293</value>
<shrsOrPrnAmt>
<sshPrnamt>1167</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>1167</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>THE COCA COLA COMPANY</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>191216100</cusip>
<value>28300</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>318375</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>VANECK CEF MUNI INCOME ETF</nameOfIssuer>
<titleOfClass>Fixed Income ETF</titleOfClass>
<cusip>92189F460</cusip>
<value>1611843</value>
<shrsOrPrnAmt>
<sshPrnamt>76791</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>76791</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VANECK CEF MUNI INCOME ETF</nameOfIssuer>
<titleOfClass>Fixed Income ETF</titleOfClass>
<cusip>92189F460</cusip>
<value>67336</value>
<shrsOrPrnAmt>
<sshPrnamt>3208</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>3208</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VANECK JPM EM LC BOND</nameOfIssuer>
<titleOfClass>Fixed Income ETF</titleOfClass>
<cusip>92189H300</cusip>
<value>78027</value>
<shrsOrPrnAmt>
<sshPrnamt>3078</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>3078</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VANECK JPM EM LC BOND</nameOfIssuer>
<titleOfClass>Fixed Income ETF</titleOfClass>
<cusip>92189H300</cusip>
<value>2272526</value>
<shrsOrPrnAmt>
<sshPrnamt>89646</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>89090</Sole>
<Shared>0</Shared>
<None>556</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VANGUARD DIVIDEND APPRECIATION ETF</nameOfIssuer>
<titleOfClass>Exchange Traded Fund</titleOfClass>
<cusip>921908844</cusip>
<value>71430</value>
<shrsOrPrnAmt>
<sshPrnamt>349</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>349</Shared>
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</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VANGUARD DIVIDEND APPRECIATION ETF</nameOfIssuer>
<titleOfClass>Exchange Traded Fund</titleOfClass>
<cusip>921908844</cusip>
<value>5050642</value>
<shrsOrPrnAmt>
<sshPrnamt>24677</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>24099</Sole>
<Shared>0</Shared>
<None>578</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VANGUARD FTSE DEVELOPED ETF</nameOfIssuer>
<titleOfClass>International Equity ETF</titleOfClass>
<cusip>921943858</cusip>
<value>1357123</value>
<shrsOrPrnAmt>
<sshPrnamt>23805</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>23805</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>337070</value>
<shrsOrPrnAmt>
<sshPrnamt>6815</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>6815</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VANGUARD GROWTH ETF</nameOfIssuer>
<titleOfClass>Exchange Traded Fund</titleOfClass>
<cusip>922908736</cusip>
<value>482678</value>
<shrsOrPrnAmt>
<sshPrnamt>1101</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>1101</Sole>
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<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>3034977</value>
<shrsOrPrnAmt>
<sshPrnamt>29981</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>29757</Sole>
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<None>224</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VANGUARD S&amp;P SMALL-CAP 600 ETF</nameOfIssuer>
<titleOfClass>Exchange Traded Fund</titleOfClass>
<cusip>921932828</cusip>
<value>20550</value>
<shrsOrPrnAmt>
<sshPrnamt>203</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>203</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>201860</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>414006</value>
<shrsOrPrnAmt>
<sshPrnamt>2123</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>2123</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>19501</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>1018773</value>
<shrsOrPrnAmt>
<sshPrnamt>3352</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>3352</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VANGUARD VALUE ETF</nameOfIssuer>
<titleOfClass>Exchange Traded Fund</titleOfClass>
<cusip>922908744</cusip>
<value>59557</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>VANGUARD VALUE ETF</nameOfIssuer>
<titleOfClass>Exchange Traded Fund</titleOfClass>
<cusip>922908744</cusip>
<value>297457</value>
<shrsOrPrnAmt>
<sshPrnamt>1683</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>1683</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VERIZON COMMUNICATIONS, INC.</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>92343V104</cusip>
<value>1774</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>VERIZON COMMUNICATIONS, INC.</nameOfIssuer>
<titleOfClass>Common Stock</titleOfClass>
<cusip>92343V104</cusip>
<value>251182</value>
<shrsOrPrnAmt>
<sshPrnamt>5805</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>5805</Sole>
<Shared>0</Shared>
<None>0</None>
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