The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

FORM 13F


FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AT&T INC COMMON STOCK 00206R102 196,205 6,768 SH   SOLE   3,768 0 3,000
AT&T INC COMMON STOCK 00206R102 349,329 12,050 SH   OTR   12,050 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100 406,882 3,963 SH   SOLE   3,963 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100 152,773 1,488 SH   OTR   1,488 0 0
ABBVIE INC COMMON STOCK 00287Y109 1,012,851 4,657 SH   SOLE   4,395 0 262
ABBVIE INC COMMON STOCK 00287Y109 389,090 1,789 SH   OTR   1,689 0 100
ALPHABET INC COMMON STOCK 02079K305 617,678 2,148 SH   SOLE   1,741 0 407
ALPHABET INC COMMON STOCK 02079K305 57,512 200 SH   OTR   200 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 209,321 3,172 SH   SOLE   2,472 0 700
ALTRIA GROUP INC COMMON STOCK 02209S103 94,696 1,435 SH   OTR   1,435 0 0
AMAZON COM INC COMMON STOCK 023135106 1,013,859 4,868 SH   SOLE   4,303 0 565
AMAZON COM INC COMMON STOCK 023135106 71,854 345 SH   OTR   315 0 30
AMERICAN CENTURY DIVERSIFIED MUTUAL FUNDS/MU 025072505 269,219 5,379 SH   OTR   5,379 0 0
AMERICAN ELECTRIC POWER INC COMMON STOCK 025537101 291,391 2,223 SH   SOLE   2,223 0 0
AMERICAN ELECTRIC POWER INC COMMON STOCK 025537101 281,691 2,149 SH   OTR   2,086 0 63
ELEVANCE HEALTH COMMON STOCK 036752103 313,536 1,071 SH   SOLE   1,071 0 0
ELEVANCE HEALTH COMMON STOCK 036752103 67,918 232 SH   OTR   0 0 232
APPLE INC COMMON STOCK 037833100 3,324,395 13,099 SH   SOLE   12,359 0 740
APPLE INC COMMON STOCK 037833100 1,229,867 4,846 SH   OTR   3,210 0 1,636
BP PLC FOREIGN STOCK 055622104 69,936 1,488 SH   SOLE   1,488 0 0
BP PLC FOREIGN STOCK 055622104 608,650 12,950 SH   OTR   12,950 0 0
BERKSHIRE HATHAWAY INC COMMON STOCK 084670702 484,471 1,011 SH   SOLE   959 0 52
BERKSHIRE HATHAWAY INC COMMON STOCK 084670702 84,819 177 SH   OTR   177 0 0
BIONTECH SE FOREIGN STOCK 09075V102 260,863 2,935 SH   SOLE   2,935 0 0
KEEL INFRASTRUCTURE CORP COMMON STOCK 09173B107 16,185 8,300 SH   SOLE   8,300 0 0
KEEL INFRASTRUCTURE CORP COMMON STOCK 09173B107 10,111 5,185 SH   OTR   5,185 0 0
BRISTOL-MYERS SQUIBB CO COMMON STOCK 110122108 63,380 1,045 SH   SOLE   1,045 0 0
BRISTOL-MYERS SQUIBB CO COMMON STOCK 110122108 160,723 2,650 SH   OTR   2,350 0 300
CSX CORP COMMON STOCK 126408103 249,256 6,072 SH   SOLE   6,072 0 0
CHEVRON CORP COMMON STOCK 166764100 270,833 1,309 SH   SOLE   577 0 732
CHEVRON CORP COMMON STOCK 166764100 62,070 300 SH   OTR   300 0 0
CHIPOTLE MEXICAN GRILL INC COMMON STOCK 169656105 240,075 7,500 SH   SOLE   7,500 0 0
COCA COLA CO COMMON STOCK 191216100 985,991 12,965 SH   SOLE   12,610 0 355
COCA COLA CO COMMON STOCK 191216100 138,563 1,822 SH   OTR   1,822 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105 288,965 290 SH   SOLE   100 0 190
DTE ENERGY CO COMMON STOCK 233331107 877,320 6,000 SH   SOLE   6,000 0 0
DT MIDSTREAM INC COMMON STOCK 23345M107 294,254 2,185 SH   SOLE   2,185 0 0
DEERE & COMPANY COMMON STOCK 244199105 205,043 364 SH   SOLE   364 0 0
DIREXION DAILY S&P 500 BULL 3X MUTUAL FUND/STO 25459W862 2,647,625 14,320 SH   SOLE   14,320 0 0
DIREXION DAILY S&P 500 BULL 3X MUTUAL FUND/STO 25459W862 606,441 3,280 SH   OTR   3,280 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204 389,024 2,971 SH   SOLE   2,776 0 195
DUKE ENERGY CORP COMMON STOCK 26441C204 389,156 2,972 SH   OTR   2,653 0 319
EMERSON ELEC CO COMMON STOCK 291011104 218,150 1,665 SH   SOLE   1,665 0 0
EMERSON ELEC CO COMMON STOCK 291011104 51,753 395 SH   OTR   395 0 0
ENBRIDGE INC FOREIGN STOCK 29250N105 364,795 6,738 SH   SOLE   5,538 0 1,200
ENBRIDGE INC FOREIGN STOCK 29250N105 169,296 3,127 SH   OTR   2,828 0 299
ENTERGY CORP COMMON STOCK 29364G103 950,566 8,460 SH   SOLE   8,360 0 100
EXELON CORP COMMON STOCK 30161N101 436,327 8,901 SH   SOLE   8,051 0 850
EXELON CORP COMMON STOCK 30161N101 33,089 675 SH   OTR   675 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102 803,680 4,737 SH   SOLE   4,071 0 666
EXXON MOBIL CORP COMMON STOCK 30231G102 279,939 1,650 SH   OTR   1,650 0 0
META PLATFORMS INC COMMON STOCK 30303M102 449,125 785 SH   SOLE   552 0 233
META PLATFORMS INC COMMON STOCK 30303M102 135,023 236 SH   OTR   36 0 200
FINWARD BANCORP COMMON STOCK 31812F109 1,255,114 34,576 SH   SOLE   305 0 34,271
FINWARD BANCORP COMMON STOCK 31812F109 3,520,518 96,984 SH   OTR   0 0 96,984
FIRST TRUST MORNINGSTAR DIV MUTUAL FUND/STO 336917109 795,324 15,656 SH   SOLE   13,505 0 2,151
FIRST TRUST VALUE LINE DIVIDEND MUTUAL FUND/STO 33734H106 1,898,556 40,369 SH   SOLE   35,097 0 5,272
FIRST TRUST VALUE LINE DIVIDEND MUTUAL FUND/STO 33734H106 203,687 4,331 SH   OTR   4,331 0 0
FLEXSHARES TR MUTUAL FUND/COR 33939L761 7,067,218 145,356 SH   SOLE   143,636 0 1,720
FLEXSHARES TR MUTUAL FUND/COR 33939L761 981,686 20,191 SH   OTR   11,071 0 9,120
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 205,575 243 SH   SOLE   243 0 0
HOME DEPOT INC COMMON STOCK 437076102 50,649 154 SH   SOLE   85 0 69
HOME DEPOT INC COMMON STOCK 437076102 526,224 1,600 SH   OTR   1,600 0 0
INTEL CORP COMMON STOCK 458140100 309,571 7,015 SH   SOLE   7,015 0 0
INTEL CORP COMMON STOCK 458140100 37,908 859 SH   OTR   200 0 659
INTERNATIONAL BUSINESS MACHS SR COMMON STOCK 459200101 121,195 500 SH   SOLE   0 0 500
INTERNATIONAL BUSINESS MACHS SR COMMON STOCK 459200101 96,956 400 SH   OTR   400 0 0
INVESCO QQQ TRUST MUTUAL FUND/STO 46090E103 4,335,780 7,512 SH   SOLE   7,019 0 493
INVESCO QQQ TRUST MUTUAL FUND/STO 46090E103 17,315 30 SH   OTR   30 0 0
INVESCO S&P 500 GARP ETF MUTUAL FUND/STO 46137V431 2,604,298 24,199 SH   SOLE   24,199 0 0
INVESCO S&P 500 GARP ETF MUTUAL FUND/STO 46137V431 408,418 3,795 SH   OTR   3,140 0 655
INVESCO S&P 500 HIGH DIV LOW VOL MUTUAL FUND/STO 46138E362 243,089 4,900 SH   SOLE   3,597 0 1,303
INVESCO S&P 500 HIGH DIV LOW VOL MUTUAL FUND/STO 46138E362 12,452 251 SH   OTR   251 0 0
INVESCO VARIABLE RATE PREFERRED MUTUAL FUND/COR 46138G870 249,272 10,395 SH   SOLE   10,395 0 0
INVESCO VARIABLE RATE PREFERRED MUTUAL FUND/COR 46138G870 13,189 550 SH   OTR   550 0 0
ISHARES TIPS BOND (MKT) MUTUAL FUND/GOV 464287176 159,360 1,444 SH   SOLE   1,444 0 0
ISHARES TIPS BOND (MKT) MUTUAL FUND/GOV 464287176 45,468 412 SH   OTR   412 0 0
ISHARES CORE US AGGBD BD ETF MUTUAL FUND/COR 464287226 569,710 5,739 SH   SOLE   5,739 0 0
ISHARES CORE US AGGBD BD ETF MUTUAL FUND/COR 464287226 132,823 1,338 SH   OTR   1,338 0 0
ISHARES MSCI EAFE (MKT) MUTUAL FUND/STO 464287465 589,191 6,066 SH   SOLE   6,041 0 25
ISHARES MSCI EAFE (MKT) MUTUAL FUND/STO 464287465 4,468 46 SH   OTR   46 0 0
ISHARES CORE S&P MID-CAP (MKT) MUTUAL FUND/STO 464287507 1,507,682 22,326 SH   SOLE   21,096 0 1,230
ISHARES CORE S&P MID-CAP (MKT) MUTUAL FUND/STO 464287507 417,675 6,185 SH   OTR   4,785 0 1,400
ISHARES CORE S&P SMALL-CAP (MKT) MUTUAL FUND/STO 464287804 1,164,042 9,364 SH   SOLE   9,364 0 0
ISHARES CORE S&P SMALL-CAP (MKT) MUTUAL FUND/STO 464287804 116,603 938 SH   OTR   60 0 878
JPMORGAN CHASE & CO COMMON STOCK 46625H100 1,851,150 6,293 SH   SOLE   6,192 0 101
JPMORGAN CHASE & CO COMMON STOCK 46625H100 88,248 300 SH   OTR   200 0 100
JOHNSON & JOHNSON COMMON STOCK 478160104 2,229,782 9,122 SH   SOLE   8,809 0 313
JOHNSON & JOHNSON COMMON STOCK 478160104 349,794 1,431 SH   OTR   1,067 0 364
ELI LILLY & CO COMMON STOCK 532457108 326,518 355 SH   SOLE   355 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 197,031 326 SH   SOLE   326 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 78,571 130 SH   OTR   100 0 30
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202 369,916 1,131 SH   SOLE   1,131 0 0
MCDONALDS CORP COM COMMON STOCK 580135101 961,585 3,094 SH   SOLE   2,779 0 315
MCDONALDS CORP COM COMMON STOCK 580135101 282,510 909 SH   OTR   570 0 339
MICROSOFT CORP COMMON STOCK 594918104 4,669,329 12,614 SH   SOLE   12,453 0 161
MICROSOFT CORP COMMON STOCK 594918104 1,602,467 4,329 SH   OTR   4,216 0 113
NISOURCE INC COMMON STOCK 65473P105 978,742 20,976 SH   SOLE   19,466 0 1,510
NISOURCE INC COMMON STOCK 65473P105 335,113 7,182 SH   OTR   6,510 0 672
NORTHROP GRUMMAN CORP COMMON STOCK 666807102 313,830 460 SH   SOLE   460 0 0
NORTHROP GRUMMAN CORP COMMON STOCK 666807102 75,046 110 SH   OTR   110 0 0
NVIDIA CORPORATION COMMON STOCK 67066G104 726,725 4,167 SH   SOLE   3,525 0 642
NVIDIA CORPORATION COMMON STOCK 67066G104 24,241 139 SH   OTR   139 0 0
PAYCHEX INC COMMON STOCK 704326107 181,384 1,969 SH   SOLE   992 0 977
PAYCHEX INC COMMON STOCK 704326107 126,664 1,375 SH   OTR   1,375 0 0
PEPSICO INC COMMON STOCK 713448108 262,907 1,693 SH   SOLE   1,693 0 0
PEPSICO INC COMMON STOCK 713448108 253,745 1,634 SH   OTR   1,348 0 286
PFIZER INC COMMON STOCK 717081103 291,975 10,398 SH   SOLE   9,274 0 1,124
PFIZER INC COMMON STOCK 717081103 28,473 1,014 SH   OTR   200 0 814
PHILIP MORRIS INTL INC COMMON STOCK 718172109 261,239 1,580 SH   SOLE   1,580 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109 143,184 866 SH   OTR   866 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 883,970 6,120 SH   SOLE   5,651 0 469
PROCTER & GAMBLE CO COMMON STOCK 742718109 196,872 1,363 SH   OTR   1,247 0 116
PROSHARES ULTRAPRO QQQ MUTUAL FUND/STO 74347X831 2,433,446 58,384 SH   SOLE   58,384 0 0
PROSHARES ULTRAPRO QQQ MUTUAL FUND/STO 74347X831 556,846 13,360 SH   OTR   13,360 0 0
PROSHARES S&P 500 DIVIDEND MUTUAL FUND/STO 74348A467 1,453,499 13,711 SH   SOLE   12,971 0 740
PROSHARES S&P 500 DIVIDEND MUTUAL FUND/STO 74348A467 234,812 2,215 SH   OTR   2,130 0 85
QUAKER CHEM CORP COMMON STOCK 747316107 256,535 2,065 SH   OTR   2,065 0 0
QUALCOMM INC COMMON STOCK 747525103 100,448 780 SH   SOLE   780 0 0
QUALCOMM INC COMMON STOCK 747525103 154,536 1,200 SH   OTR   1,200 0 0
STATE STREET SPDR S&P 500 ETF MUTUAL FUND/STO 78462F103 282,898 435 SH   SOLE   368 0 67
STATE STREET SPDR S&P 500 ETF MUTUAL FUND/STO 78462F103 234,123 360 SH   OTR   40 0 320
SPDR GOLD SHARES (MKT) MUTUAL FUND/STO 78463V107 862,304 2,004 SH   SOLE   1,914 0 90
SPDR GOLD SHARES (MKT) MUTUAL FUND/STO 78463V107 92,943 216 SH   OTR   216 0 0
STATE STREET SPDR BLOOMBERG MUTUAL FUND/COR 78464A359 4,428,288 48,386 SH   SOLE   43,458 0 4,928
STATE STREET SPDR BLOOMBERG MUTUAL FUND/COR 78464A359 1,990,652 21,751 SH   OTR   19,399 0 2,352
STATE STREET FINANCIAL SELECT MUTUAL FUND/STO 81369Y605 407,896 8,262 SH   SOLE   7,337 0 925
STATE STREET FINANCIAL SELECT MUTUAL FUND/STO 81369Y605 126,338 2,559 SH   OTR   2,259 0 300
STATE STREET INDUSTRIAL SELECT MUTUAL FUND/STO 81369Y704 788,919 4,878 SH   SOLE   4,237 0 641
STATE STREET TECHNOLOGY SELECT MUTUAL FUND/STO 81369Y803 1,538,052 11,573 SH   SOLE   10,865 0 708
STATE STREET TECHNOLOGY SELECT MUTUAL FUND/STO 81369Y803 23,390 176 SH   OTR   176 0 0
SOUTHERN COMPANY COMMON STOCK 842587107 588,772 6,100 SH   SOLE   5,600 0 500
SOUTHERN COMPANY COMMON STOCK 842587107 46,909 486 SH   OTR   0 0 486
TRAVELERS COMPANIES INC COMMON STOCK 89417E109 583,360 2,000 SH   SOLE   2,000 0 0
UNITED PARCEL SERVICE COMMON STOCK 911312106 351,217 3,570 SH   SOLE   3,570 0 0
VANGUARD DIVIDEND APPREC IDX ETF MUTUAL FUND/STO 921908844 2,623,735 12,200 SH   SOLE   12,200 0 0
VANGUARD DIVIDEND APPREC IDX ETF MUTUAL FUND/STO 921908844 415,067 1,930 SH   OTR   1,355 0 575
VANGUARD MEGA CAP GROWTH ETF MUTUAL FUND/STO 921910816 2,213,827 6,025 SH   SOLE   5,769 0 256
VANGUARD MEGA CAP GROWTH ETF MUTUAL FUND/STO 921910816 133,381 363 SH   OTR   363 0 0
VANGUARD MEGA CAP VALUE ETF MUTUAL FUND/STO 921910840 1,929,860 13,314 SH   SOLE   11,057 0 2,257
VANGUARD MEGA CAP VALUE ETF MUTUAL FUND/STO 921910840 14,495 100 SH   OTR   100 0 0
VANGUARD TOTAL BOND MARKET ETF MUTUAL FUND/COR 921937835 539,854 7,331 SH   SOLE   7,331 0 0
VANGUARD HIGH DIVIDEND YIELD MUTUAL FUND/STO 921946406 1,263,744 8,533 SH   SOLE   8,533 0 0
VANGUARD HIGH DIVIDEND YIELD MUTUAL FUND/STO 921946406 159,951 1,080 SH   OTR   1,015 0 65
VANGUARD INTL DIV APPREC ETF MUTUAL FUND/STO 921946810 1,579,638 17,857 SH   SOLE   17,857 0 0
VANGUARD INTL DIV APPREC ETF MUTUAL FUND/STO 921946810 22,734 257 SH   OTR   161 0 96
VANGUARD EMERGING MARKETS STOCK MUTUAL FUND/STO 922042858 319,438 5,910 SH   SOLE   5,332 0 578
VANGUARD HEALTH CARE ETF (MKT) MUTUAL FUND/STO 92204A504 446,896 1,641 SH   SOLE   1,423 0 218
VANGUARD HEALTH CARE ETF (MKT) MUTUAL FUND/STO 92204A504 83,333 306 SH   OTR   156 0 150
VANGUARD INFORMATION TECHNOLOGY MUTUAL FUND/STO 92204A702 1,511,961 2,167 SH   SOLE   2,095 0 72
VANGUARD INFORMATION TECHNOLOGY MUTUAL FUND/STO 92204A702 483,520 693 SH   OTR   633 0 60
VANGUARD S&P 500 ETF MUTUAL FUND/STO 922908363 6,357,938 10,640 SH   SOLE   10,628 0 12
VANGUARD S&P 500 ETF MUTUAL FUND/STO 922908363 1,241,113 2,077 SH   OTR   1,352 0 725
VANGUARD MID-CAP VALUE ETF (MKT) MUTUAL FUND/STO 922908512 361,558 1,962 SH   SOLE   1,947 0 15
VANGUARD MID-CAP GROWTH ETF MUTUAL FUND/STO 922908538 886,572 3,445 SH   SOLE   3,445 0 0
VANGUARD REAL ESTATE ETF MUTUAL FUND/STO 922908553 247,212 2,787 SH   SOLE   2,769 0 18
VANGUARD REAL ESTATE ETF MUTUAL FUND/STO 922908553 2,218 25 SH   OTR   25 0 0
VANGUARD SMALL CAP GROWTH ETF MUTUAL FUND/STO 922908595 500,228 1,655 SH   SOLE   1,655 0 0
VANGUARD SMALL CAP VALUE ETF MUTUAL FUND/STO 922908611 305,456 1,406 SH   SOLE   1,406 0 0
VANGUARD GROWTH ETF (MKT) MUTUAL FUND/STO 922908736 4,891,612 11,199 SH   SOLE   10,863 0 336
VANGUARD GROWTH ETF (MKT) MUTUAL FUND/STO 922908736 213,589 489 SH   OTR   189 0 300
VANGUARD VALUE ETF (MKT) MUTUAL FUND/STO 922908744 817,368 4,166 SH   SOLE   4,166 0 0
VANGUARD VALUE ETF (MKT) MUTUAL FUND/STO 922908744 147,150 750 SH   OTR   275 0 475
VANGUARD SMALL CAP ETF (MKT) MUTUAL FUND/STO 922908751 233,632 892 SH   SOLE   892 0 0
VANGUARD SMALL CAP ETF (MKT) MUTUAL FUND/STO 922908751 289,421 1,105 SH   OTR   855 0 250
VANGUARD TOTAL STOCK MARKET ETF MUTUAL FUND/STO 922908769 269,800 841 SH   SOLE   841 0 0
VERIZON COMMUNICATIONS INC COMMON STOCK 92343V104 541,659 10,790 SH   SOLE   7,492 0 3,298
VERIZON COMMUNICATIONS INC COMMON STOCK 92343V104 102,057 2,033 SH   OTR   1,378 0 655
VISA INC COMMON STOCK 92826C839 593,298 1,963 SH   SOLE   1,674 0 289
VISA INC COMMON STOCK 92826C839 177,414 587 SH   OTR   389 0 198
WEC ENERGY GROUP INC COMMON STOCK 92939U106 14,240 123 SH   SOLE   123 0 0
WEC ENERGY GROUP INC COMMON STOCK 92939U106 199,124 1,720 SH   OTR   1,720 0 0
WALMART INC COMMON STOCK 931142103 336,302 2,706 SH   SOLE   2,439 0 267
WALMART INC COMMON STOCK 931142103 168,151 1,353 SH   OTR   0 0 1,353
WELLTOWER INC COMMON STOCK 95040Q104 745,565 3,771 SH   SOLE   3,470 0 301
WELLTOWER INC COMMON STOCK 95040Q104 237,252 1,200 SH   OTR   929 0 271
WHEATON PRECIOUS METALS CORP FOREIGN STOCK 962879102 1,493,514 11,400 SH   SOLE   11,400 0 0
ASTRAZENECA PLC FOREIGN STOCK G0593M107 33,133 168 SH   SOLE   0 0 168
ASTRAZENECA PLC FOREIGN STOCK G0593M107 272,164 1,380 SH   OTR   1,380 0 0
LINDE PLC FOREIGN STOCK G54950103 85,271 172 SH   SOLE   172 0 0
LINDE PLC FOREIGN STOCK G54950103 171,037 345 SH   OTR   345 0 0
MEDTRONIC PLC FOREIGN STOCK G5960L103 485,240 5,600 SH   SOLE   5,600 0 0