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 139,683 6,748 SH   SOLE   3,748 0 3,000
AT&T INC COMMON STOCK 00206R102 244,261 11,800 SH   OTR   11,800 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100 359,602 3,963 SH   SOLE   3,963 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100 135,021 1,488 SH   OTR   1,488 0 0
ABBVIE INC COMMON STOCK 00287Y109 1,171,888 4,657 SH   SOLE   4,395 0 262
ABBVIE INC COMMON STOCK 00287Y109 450,184 1,789 SH   OTR   1,689 0 100
ADVANCED MICRO DEVICES INC COMMON STOCK 007903107 284,646 490 SH   SOLE   365 0 125
ALPHABET INC COMMON STOCK 02079K305 767,631 2,148 SH   SOLE   1,741 0 407
ALPHABET INC COMMON STOCK 02079K305 71,474 200 SH   OTR   200 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 228,228 3,172 SH   SOLE   2,472 0 700
ALTRIA GROUP INC COMMON STOCK 02209S103 103,249 1,435 SH   OTR   1,435 0 0
AMAZON COM INC SR GLBL NT COMMON STOCK 023135106 1,119,241 4,696 SH   SOLE   4,131 0 565
AMAZON COM INC SR GLBL NT COMMON STOCK 023135106 123,222 517 SH   OTR   487 0 30
AMERICAN ELECTRIC POWER INC COMMON STOCK 025537101 304,130 2,223 SH   SOLE   2,223 0 0
AMERICAN ELECTRIC POWER INC COMMON STOCK 025537101 287,164 2,099 SH   OTR   2,036 0 63
ELEVANCE HEALTH COMMON STOCK 036752103 414,188 1,071 SH   SOLE   1,071 0 0
APPLE INC COMMON STOCK 037833100 3,722,328 12,864 SH   SOLE   12,124 0 740
APPLE INC COMMON STOCK 037833100 1,435,804 4,962 SH   OTR   3,326 0 1,636
BP PLC FOREIGN STOCK 055622104 54,982 1,488 SH   SOLE   1,488 0 0
BP PLC FOREIGN STOCK 055622104 478,503 12,950 SH   OTR   12,950 0 0
BERKSHIRE HATHAWAY INC COMMON STOCK 084670702 505,895 1,011 SH   SOLE   959 0 52
BERKSHIRE HATHAWAY INC COMMON STOCK 084670702 88,569 177 SH   OTR   177 0 0
BRISTOL-MYERS SQUIBB CO COMMON STOCK 110122108 60,213 1,045 SH   SOLE   1,045 0 0
BRISTOL-MYERS SQUIBB CO COMMON STOCK 110122108 152,693 2,650 SH   OTR   2,350 0 300
CSX CORP COMMON STOCK 126408103 288,602 6,072 SH   SOLE   6,072 0 0
CHEVRON CORP COMMON STOCK 166764100 216,980 1,309 SH   SOLE   577 0 732
CHEVRON CORP COMMON STOCK 166764100 49,728 300 SH   OTR   300 0 0
CHIPOTLE MEXICAN GRILL INC COMMON STOCK 169656105 255,000 7,500 SH   SOLE   7,500 0 0
CISCO SYS INC COMMON STOCK 17275R102 86,216 734 SH   SOLE   734 0 0
CISCO SYS INC COMMON STOCK 17275R102 167,381 1,425 SH   OTR   1,275 0 150
COCA COLA CO COMMON STOCK 191216100 1,053,666 12,965 SH   SOLE   12,610 0 355
COCA COLA CO COMMON STOCK 191216100 148,074 1,822 SH   OTR   1,822 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105 271,286 290 SH   SOLE   100 0 190
DTE ENERGY CO COMMON STOCK 233331107 914,220 6,000 SH   SOLE   6,000 0 0
DT MIDSTREAM INC COMMON STOCK 23345M107 320,627 2,185 SH   SOLE   2,185 0 0
DEERE & COMPANY COMMON STOCK 244199105 230,897 364 SH   SOLE   364 0 0
DOLLAR TREE INC COMMON STOCK 256746108 209,244 1,730 SH   OTR   1,730 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204 369,868 2,922 SH   SOLE   2,727 0 195
DUKE ENERGY CORP COMMON STOCK 26441C204 376,197 2,972 SH   OTR   2,653 0 319
EMERSON ELEC CO COMMON STOCK 291011104 238,345 1,665 SH   SOLE   1,665 0 0
EMERSON ELEC CO COMMON STOCK 291011104 56,544 395 SH   OTR   395 0 0
ENBRIDGE INC FOREIGN STOCK 29250N105 365,267 6,738 SH   SOLE   5,538 0 1,200
ENBRIDGE INC FOREIGN STOCK 29250N105 169,515 3,127 SH   OTR   2,828 0 299
ENTERGY CORP COMMON STOCK 29364G103 971,716 8,460 SH   SOLE   8,360 0 100
EXELON CORP COMMON STOCK 30161N101 420,606 9,022 SH   SOLE   8,172 0 850
EXELON CORP COMMON STOCK 30161N101 31,469 675 SH   OTR   675 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102 646,276 4,727 SH   SOLE   4,061 0 666
EXXON MOBIL CORP COMMON STOCK 30231G102 218,752 1,600 SH   OTR   1,600 0 0
META PLATFORMS INC COMMON STOCK 30303M102 442,186 785 SH   SOLE   552 0 233
META PLATFORMS INC COMMON STOCK 30303M102 132,936 236 SH   OTR   36 0 200
FINWARD BANCORP COMMON STOCK 31812F109 1,271,719 34,576 SH   SOLE   305 0 34,271
FINWARD BANCORP COMMON STOCK 31812F109 3,559,715 96,784 SH   OTR   0 0 96,784
FIRST TRUST MORNINGSTAR DIV MUTUAL FUND/STO 336917109 761,820 15,656 SH   SOLE   13,505 0 2,151
FIRST TRUST VALUE LINE DIVIDEND MUTUAL FUND/STO 33734H106 1,937,897 40,222 SH   SOLE   34,950 0 5,272
FIRST TRUST VALUE LINE DIVIDEND MUTUAL FUND/STO 33734H106 208,667 4,331 SH   OTR   4,331 0 0
FLEXSHARES TR MUTUAL FUND/COR 33939L761 7,430,949 153,089 SH   SOLE   151,369 0 1,720
FLEXSHARES TR MUTUAL FUND/COR 33939L761 1,063,318 21,906 SH   OTR   12,786 0 9,120
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 203,286 201 SH   SOLE   201 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 42,478 42 SH   OTR   42 0 0
HOME DEPOT INC SR GLBL NT COMMON STOCK 437076102 54,313 154 SH   SOLE   85 0 69
HOME DEPOT INC SR GLBL NT COMMON STOCK 437076102 564,288 1,600 SH   OTR   1,600 0 0
INTEL CORP COMMON STOCK 458140100 979,505 7,015 SH   SOLE   7,015 0 0
INTEL CORP COMMON STOCK 458140100 117,149 839 SH   OTR   180 0 659
INTERNATIONAL BUSINESS MACHS SR COMMON STOCK 459200101 140,605 500 SH   SOLE   0 0 500
INTERNATIONAL BUSINESS MACHS SR COMMON STOCK 459200101 112,484 400 SH   OTR   400 0 0
INVESCO QQQ TRUST MUTUAL FUND/STO 46090E103 5,716,674 7,763 SH   SOLE   7,270 0 493
INVESCO QQQ TRUST MUTUAL FUND/STO 46090E103 40,502 55 SH   OTR   55 0 0
INVESCO S&P 500 GARP ETF MUTUAL FUND/STO 46137V431 1,961,409 16,039 SH   SOLE   16,039 0 0
INVESCO S&P 500 GARP ETF MUTUAL FUND/STO 46137V431 458,589 3,750 SH   OTR   3,095 0 655
INVESCO NASDAQ NXT GEN 100 MUTUAL FUND/STO 46138G631 235,379 5,180 SH   SOLE   5,180 0 0
INVESCO VARIABLE RATE PREFERRED MUTUAL FUND/COR 46138G870 252,703 10,395 SH   SOLE   10,395 0 0
INVESCO VARIABLE RATE PREFERRED MUTUAL FUND/COR 46138G870 13,371 550 SH   OTR   550 0 0
ISHARES TIPS BOND (MKT) MUTUAL FUND/GOV 464287176 158,017 1,444 SH   SOLE   1,444 0 0
ISHARES TIPS BOND (MKT) MUTUAL FUND/GOV 464287176 45,085 412 SH   OTR   412 0 0
ISHARES CORE US AGGBD BD ETF MUTUAL FUND/COR 464287226 568,046 5,739 SH   SOLE   5,739 0 0
ISHARES CORE US AGGBD BD ETF MUTUAL FUND/COR 464287226 132,436 1,338 SH   OTR   1,338 0 0
ISHARES MSCI EAFE (MKT) MUTUAL FUND/STO 464287465 640,006 6,161 SH   SOLE   6,136 0 25
ISHARES MSCI EAFE (MKT) MUTUAL FUND/STO 464287465 4,778 46 SH   OTR   46 0 0
ISHARES CORE S&P MID-CAP (MKT) MUTUAL FUND/STO 464287507 1,916,264 24,851 SH   SOLE   23,621 0 1,230
ISHARES CORE S&P MID-CAP (MKT) MUTUAL FUND/STO 464287507 476,927 6,185 SH   OTR   4,785 0 1,400
ISHARES RUSSELL 1000 GROWTH MUTUAL FUND/STO 464287614 232,446 1,872 SH   SOLE   1,872 0 0
ISHARES CORE S&P SMALL-CAP (MKT) MUTUAL FUND/STO 464287804 1,439,203 9,704 SH   SOLE   9,704 0 0
ISHARES CORE S&P SMALL-CAP (MKT) MUTUAL FUND/STO 464287804 139,115 938 SH   OTR   60 0 878
ISHARES EDGE MSCI INTL MOMENTUM MUTUAL FUND/STO 46434V449 714,997 13,407 SH   SOLE   13,407 0 0
JPMORGAN CHASE & CO COMMON STOCK 46625H100 2,050,068 6,263 SH   SOLE   6,162 0 101
JPMORGAN CHASE & CO COMMON STOCK 46625H100 98,200 300 SH   OTR   200 0 100
JOHNSON & JOHNSON COMMON STOCK 478160104 2,316,716 9,122 SH   SOLE   8,809 0 313
JOHNSON & JOHNSON COMMON STOCK 478160104 350,733 1,381 SH   OTR   1,017 0 364
KEEL INFRASTRUCTURE CORP COMMON STOCK 486917107 31,857 5,550 SH   SOLE   5,550 0 0
KEEL INFRASTRUCTURE CORP COMMON STOCK 486917107 45,547 7,935 SH   OTR   7,935 0 0
LAM RESEARCH CORP COMMON STOCK 512807306 203,665 470 SH   OTR   0 0 470
ELI LILLY & CO COMMON STOCK 532457108 425,798 355 SH   SOLE   355 0 0
ELI LILLY & CO COMMON STOCK 532457108 107,949 90 SH   OTR   0 0 90
LOCKHEED MARTIN CORP COMMON STOCK 539830109 138,064 271 SH   SOLE   271 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 80,495 158 SH   OTR   128 0 30
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202 419,137 1,131 SH   SOLE   1,131 0 0
MCDONALDS CORP COM COMMON STOCK 580135101 836,340 3,094 SH   SOLE   2,779 0 315
MCDONALDS CORP COM COMMON STOCK 580135101 245,712 909 SH   OTR   570 0 339
MICROSOFT CORP COMMON STOCK 594918104 4,654,172 12,477 SH   SOLE   12,316 0 161
MICROSOFT CORP COMMON STOCK 594918104 1,625,249 4,357 SH   OTR   4,244 0 113
NISOURCE INC COMMON STOCK 65473P105 996,220 20,951 SH   SOLE   19,441 0 1,510
NISOURCE INC COMMON STOCK 65473P105 341,505 7,182 SH   OTR   6,510 0 672
NORTHROP GRUMMAN CORP COMMON STOCK 666807102 234,283 460 SH   SOLE   460 0 0
NORTHROP GRUMMAN CORP COMMON STOCK 666807102 45,838 90 SH   OTR   90 0 0
NVIDIA CORPORATION COMMON STOCK 67066G104 473,615 2,367 SH   SOLE   1,725 0 642
NVIDIA CORPORATION COMMON STOCK 67066G104 38,217 191 SH   OTR   189 0 2
PAYCHEX INC COMMON STOCK 704326107 193,612 1,969 SH   SOLE   992 0 977
PAYCHEX INC COMMON STOCK 704326107 135,205 1,375 SH   OTR   1,375 0 0
PEPSICO INC COMMON STOCK 713448108 227,878 1,683 SH   SOLE   1,683 0 0
PEPSICO INC COMMON STOCK 713448108 201,204 1,486 SH   OTR   1,200 0 286
PFIZER INC COMMON STOCK 717081103 250,383 10,398 SH   SOLE   9,274 0 1,124
PFIZER INC COMMON STOCK 717081103 24,417 1,014 SH   OTR   200 0 814
PHILIP MORRIS INTL INC COMMON STOCK 718172109 285,838 1,580 SH   SOLE   1,580 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109 156,668 866 SH   OTR   866 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 897,435 6,120 SH   SOLE   5,651 0 469
PROCTER & GAMBLE CO COMMON STOCK 742718109 199,870 1,363 SH   OTR   1,247 0 116
PROSHARES S&P 500 DIVIDEND MUTUAL FUND/STO 74348A467 1,148,022 20,442 SH   SOLE   18,962 0 1,480
PROSHARES S&P 500 DIVIDEND MUTUAL FUND/STO 74348A467 248,788 4,430 SH   OTR   4,260 0 170
QUAKER CHEM CORP COMMON STOCK 747316107 328,067 2,065 SH   OTR   2,065 0 0
QUALCOMM INC COMMON STOCK 747525103 144,137 780 SH   SOLE   780 0 0
QUALCOMM INC COMMON STOCK 747525103 221,748 1,200 SH   OTR   1,200 0 0
STATE STREET SPDR S&P 500 ETF MUTUAL FUND/STO 78462F103 327,086 438 SH   SOLE   371 0 67
STATE STREET SPDR S&P 500 ETF MUTUAL FUND/STO 78462F103 261,369 350 SH   OTR   30 0 320
SPDR GOLD SHARES (MKT) MUTUAL FUND/STO 78463V107 738,235 2,004 SH   SOLE   1,914 0 90
SPDR GOLD SHARES (MKT) MUTUAL FUND/STO 78463V107 79,571 216 SH   OTR   216 0 0
STATE STREET SPDR BLOOMBERG MUTUAL FUND/COR 78464A359 5,222,370 48,436 SH   SOLE   43,508 0 4,928
STATE STREET SPDR BLOOMBERG MUTUAL FUND/COR 78464A359 2,345,193 21,751 SH   OTR   19,399 0 2,352
STATE STREET FINANCIAL SELECT MUTUAL FUND/STO 81369Y605 401,646 7,492 SH   SOLE   6,567 0 925
STATE STREET FINANCIAL SELECT MUTUAL FUND/STO 81369Y605 137,188 2,559 SH   OTR   2,259 0 300
STATE STREET INDUSTRIAL SELECT MUTUAL FUND/STO 81369Y704 838,724 4,528 SH   SOLE   3,887 0 641
STATE STREET TECHNOLOGY SELECT MUTUAL FUND/STO 81369Y803 2,233,467 11,723 SH   SOLE   11,015 0 708
STATE STREET TECHNOLOGY SELECT MUTUAL FUND/STO 81369Y803 33,532 176 SH   OTR   176 0 0
UTILITIES SELECT SECTOR SPDRR MUTUAL FUND/STO 81369Y886 1,016,114 22,411 SH   SOLE   22,411 0 0
SOUTHERN COMPANY COMMON STOCK 842587107 583,831 6,100 SH   SOLE   5,600 0 500
SOUTHERN COMPANY COMMON STOCK 842587107 46,515 486 SH   OTR   0 0 486
TRAVELERS COMPANIES INC COMMON STOCK 89417E109 660,240 2,000 SH   SOLE   2,000 0 0
UNITED PARCEL SERVICE COMMON STOCK 911312106 383,777 3,570 SH   SOLE   3,570 0 0
VANGUARD DIVIDEND APPREC IDX ETF MUTUAL FUND/STO 921908844 2,954,441 12,486 SH   SOLE   12,486 0 0
VANGUARD DIVIDEND APPREC IDX ETF MUTUAL FUND/STO 921908844 456,676 1,930 SH   OTR   1,355 0 575
VANGUARD MEGA CAP GROWTH ETF MUTUAL FUND/STO 921910816 2,568,383 29,216 SH   SOLE   27,936 0 1,280
VANGUARD MEGA CAP GROWTH ETF MUTUAL FUND/STO 921910816 231,204 2,630 SH   OTR   2,630 0 0
VANGUARD MEGA CAP VALUE ETF MUTUAL FUND/STO 921910840 2,174,050 13,301 SH   SOLE   11,044 0 2,257
VANGUARD MEGA CAP VALUE ETF MUTUAL FUND/STO 921910840 41,516 254 SH   OTR   254 0 0
VANGUARD TOTAL BOND MARKET ETF MUTUAL FUND/COR 921937835 303,036 4,128 SH   SOLE   4,128 0 0
VANGUARD HIGH DIVIDEND YIELD MUTUAL FUND/STO 921946406 1,407,733 8,908 SH   SOLE   8,908 0 0
VANGUARD HIGH DIVIDEND YIELD MUTUAL FUND/STO 921946406 165,932 1,050 SH   OTR   985 0 65
VANGUARD INTL DIV APPREC ETF MUTUAL FUND/STO 921946810 1,737,524 18,607 SH   SOLE   18,607 0 0
VANGUARD INTL DIV APPREC ETF MUTUAL FUND/STO 921946810 23,998 257 SH   OTR   161 0 96
VANGUARD EMERGING MARKETS STOCK MUTUAL FUND/STO 922042858 352,769 5,910 SH   SOLE   5,332 0 578
VANGUARD HEALTH CARE ETF (MKT) MUTUAL FUND/STO 92204A504 498,750 1,668 SH   SOLE   1,450 0 218
VANGUARD HEALTH CARE ETF (MKT) MUTUAL FUND/STO 92204A504 91,498 306 SH   OTR   156 0 150
VANGUARD INFORMATION TECHNOLOGY MUTUAL FUND/STO 92204A702 1,966,344 16,452 SH   SOLE   15,876 0 576
VANGUARD INFORMATION TECHNOLOGY MUTUAL FUND/STO 92204A702 758,235 6,344 SH   OTR   5,864 0 480
VANGUARD S&P 500 ETF MUTUAL FUND/STO 922908363 7,216,997 10,508 SH   SOLE   10,496 0 12
VANGUARD S&P 500 ETF MUTUAL FUND/STO 922908363 1,419,635 2,067 SH   OTR   1,342 0 725
VANGUARD MID-CAP VALUE ETF (MKT) MUTUAL FUND/STO 922908512 387,692 1,962 SH   SOLE   1,947 0 15
VANGUARD MID-CAP GROWTH ETF MUTUAL FUND/STO 922908538 1,082,776 3,535 SH   SOLE   3,535 0 0
VANGUARD REAL ESTATE ETF MUTUAL FUND/STO 922908553 241,750 2,507 SH   SOLE   2,489 0 18
VANGUARD REAL ESTATE ETF MUTUAL FUND/STO 922908553 2,411 25 SH   OTR   25 0 0
VANGUARD SMALL CAP GROWTH ETF MUTUAL FUND/STO 922908595 605,235 1,655 SH   SOLE   1,655 0 0
VANGUARD SMALL CAP VALUE ETF MUTUAL FUND/STO 922908611 341,645 1,406 SH   SOLE   1,406 0 0
VANGUARD GROWTH ETF (MKT) MUTUAL FUND/STO 922908736 5,844,088 67,844 SH   SOLE   65,828 0 2,016
VANGUARD GROWTH ETF (MKT) MUTUAL FUND/STO 922908736 252,734 2,934 SH   OTR   1,134 0 1,800
VANGUARD VALUE ETF (MKT) MUTUAL FUND/STO 922908744 1,413,492 6,486 SH   SOLE   6,486 0 0
VANGUARD VALUE ETF (MKT) MUTUAL FUND/STO 922908744 175,435 805 SH   OTR   330 0 475
VANGUARD SMALL CAP ETF (MKT) MUTUAL FUND/STO 922908751 329,189 1,086 SH   SOLE   912 0 174
VANGUARD SMALL CAP ETF (MKT) MUTUAL FUND/STO 922908751 334,947 1,105 SH   OTR   855 0 250
VANGUARD TOTAL STOCK MARKET ETF MUTUAL FUND/STO 922908769 311,203 841 SH   SOLE   841 0 0
VERIZON COMMUNICATIONS INC COMMON STOCK 92343V104 454,947 10,745 SH   SOLE   7,447 0 3,298
VERIZON COMMUNICATIONS INC COMMON STOCK 92343V104 86,077 2,033 SH   OTR   1,378 0 655
VISA INC COMMON STOCK 92826C839 664,911 1,938 SH   SOLE   1,649 0 289
VISA INC COMMON STOCK 92826C839 201,394 587 SH   OTR   389 0 198
WEC ENERGY GROUP INC COMMON STOCK 92939U106 14,363 123 SH   SOLE   123 0 0
WEC ENERGY GROUP INC COMMON STOCK 92939U106 200,844 1,720 SH   OTR   1,720 0 0
WALMART INC COMMON STOCK 931142103 306,481 2,706 SH   SOLE   2,439 0 267
WALMART INC COMMON STOCK 931142103 153,241 1,353 SH   OTR   0 0 1,353
WELLTOWER INC COMMON STOCK 95040Q104 847,959 3,736 SH   SOLE   3,435 0 301
WELLTOWER INC COMMON STOCK 95040Q104 272,364 1,200 SH   OTR   929 0 271
WHEATON PRECIOUS METALS CORP FOREIGN STOCK 962879102 1,280,448 11,400 SH   SOLE   11,400 0 0
ASTRAZENECA PLC FOREIGN STOCK G0593M107 31,856 168 SH   SOLE   0 0 168
ASTRAZENECA PLC FOREIGN STOCK G0593M107 261,676 1,380 SH   OTR   1,380 0 0
LINDE PLC FOREIGN STOCK G54950103 89,257 172 SH   SOLE   172 0 0
LINDE PLC FOREIGN STOCK G54950103 179,034 345 SH   OTR   345 0 0
MEDTRONIC PLC FOREIGN STOCK G5960L103 438,088 5,600 SH   SOLE   5,600 0 0