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 174,045 7,133 SH   SOLE   4,133 0 3,000
AT&T INC COMMON STOCK 00206R102 285,870 11,716 SH   OTR   11,716 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100 391,664 3,963 SH   SOLE   3,963 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100 147,060 1,488 SH   OTR   1,488 0 0
ABBVIE INC COMMON STOCK 00287Y109 1,165,644 4,456 SH   SOLE   4,194 0 262
ABBVIE INC COMMON STOCK 00287Y109 467,985 1,789 SH   OTR   1,689 0 100
ADVANCED MICRO DEVICES INC COMMON STOCK 007903107 293,033 479 SH   SOLE   354 0 125
ALPHABET INC SR GLBL NT COMMON STOCK 02079K305 593,883 1,726 SH   SOLE   1,319 0 407
ALPHABET INC SR GLBL NT COMMON STOCK 02079K305 68,816 200 SH   OTR   200 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 213,603 3,172 SH   SOLE   2,472 0 700
ALTRIA GROUP INC COMMON STOCK 02209S103 96,634 1,435 SH   OTR   1,435 0 0
AMAZON COM INC SR GLBL NT COMMON STOCK 023135106 1,102,988 4,427 SH   SOLE   3,862 0 565
AMAZON COM INC SR GLBL NT COMMON STOCK 023135106 128,812 517 SH   OTR   487 0 30
AMERICAN ELECTRIC POWER INC COMMON STOCK 025537101 281,769 2,375 SH   SOLE   2,375 0 0
AMERICAN ELECTRIC POWER INC COMMON STOCK 025537101 249,025 2,099 SH   OTR   2,036 0 63
ELEVANCE HEALTH COMMON STOCK 036752103 416,427 1,071 SH   SOLE   1,071 0 0
APPLE INC COMMON STOCK 037833100 4,389,209 13,180 SH   SOLE   12,440 0 740
APPLE INC COMMON STOCK 037833100 1,647,453 4,947 SH   OTR   3,326 0 1,621
BP PLC FOREIGN STOCK 055622104 65,457 1,488 SH   SOLE   1,488 0 0
BP PLC FOREIGN STOCK 055622104 569,671 12,950 SH   OTR   12,950 0 0
BERKSHIRE HATHAWAY INC COMMON STOCK 084670702 372,965 749 SH   SOLE   697 0 52
BERKSHIRE HATHAWAY INC COMMON STOCK 084670702 88,137 177 SH   OTR   177 0 0
BRISTOL-MYERS SQUIBB CO COMMON STOCK 110122108 59,592 955 SH   SOLE   955 0 0
BRISTOL-MYERS SQUIBB CO COMMON STOCK 110122108 165,360 2,650 SH   OTR   2,350 0 300
CSX CORP COMMON STOCK 126408103 282,409 6,072 SH   SOLE   6,072 0 0
CHEVRON CORP COMMON STOCK 166764100 267,312 1,309 SH   SOLE   577 0 732
CHEVRON CORP COMMON STOCK 166764100 61,263 300 SH   OTR   300 0 0
CHIPOTLE MEXICAN GRILL INC COMMON STOCK 169656105 239,625 7,500 SH   SOLE   7,500 0 0
CISCO SYS INC COMMON STOCK 17275R102 79,001 734 SH   SOLE   734 0 0
CISCO SYS INC COMMON STOCK 17275R102 153,373 1,425 SH   OTR   1,275 0 150
COCA COLA CO COMMON STOCK 191216100 1,133,245 13,165 SH   SOLE   12,810 0 355
COCA COLA CO COMMON STOCK 191216100 152,018 1,766 SH   OTR   1,766 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105 223,034 245 SH   SOLE   100 0 145
DTE ENERGY CO COMMON STOCK 233331107 730,800 6,000 SH   SOLE   6,000 0 0
DT MIDSTREAM INC COMMON STOCK 23345M107 261,042 2,185 SH   SOLE   2,185 0 0
DANAHER CORP COMMON STOCK 235851102 221,550 1,000 SH   OTR   1,000 0 0
DEERE & COMPANY COMMON STOCK 244199105 241,087 359 SH   SOLE   359 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204 320,026 2,807 SH   SOLE   2,612 0 195
DUKE ENERGY CORP COMMON STOCK 26441C204 338,840 2,972 SH   OTR   2,653 0 319
EMERSON ELEC CO COMMON STOCK 291011104 258,242 1,665 SH   SOLE   1,665 0 0
EMERSON ELEC CO COMMON STOCK 291011104 61,265 395 SH   OTR   395 0 0
ENBRIDGE INC FOREIGN STOCK 29250N105 328,405 7,064 SH   SOLE   5,864 0 1,200
ENBRIDGE INC FOREIGN STOCK 29250N105 140,261 3,017 SH   OTR   2,718 0 299
ENTERGY CORP COMMON STOCK 29364G103 839,740 8,460 SH   SOLE   8,360 0 100
EXELON CORP COMMON STOCK 30161N101 364,488 9,022 SH   SOLE   8,172 0 850
EXELON CORP COMMON STOCK 30161N101 27,270 675 SH   OTR   675 0 0
EXXONMOBIL HOLDINGS CORP COMMON STOCK 30233Q108 769,321 4,727 SH   SOLE   4,061 0 666
EXXONMOBIL HOLDINGS CORP COMMON STOCK 30233Q108 258,285 1,587 SH   OTR   1,587 0 0
META PLATFORMS INC COMMON STOCK 30303M102 569,266 785 SH   SOLE   552 0 233
META PLATFORMS INC COMMON STOCK 30303M102 171,143 236 SH   OTR   36 0 200
FINWARD BANCORP COMMON STOCK 31812F109 1,336,408 32,087 SH   SOLE   305 0 31,782
FINWARD BANCORP COMMON STOCK 31812F109 4,026,888 96,684 SH   OTR   0 0 96,684
FIRST TRUST MORNINGSTAR DIV MUTUAL FUND/STO 336917109 723,196 14,726 SH   SOLE   12,825 0 1,901
FIRST TRUST VALUE LINE DIVIDEND MUTUAL FUND/STO 33734H106 1,881,656 40,112 SH   SOLE   34,950 0 5,162
FIRST TRUST VALUE LINE DIVIDEND MUTUAL FUND/STO 33734H106 203,167 4,331 SH   OTR   4,331 0 0
NORTHERN TRUST CREDIT-SCORED US MUTUAL FUND/COR 33939L761 7,434,384 159,014 SH   SOLE   157,394 0 1,620
NORTHERN TRUST CREDIT-SCORED US MUTUAL FUND/COR 33939L761 1,036,326 22,166 SH   OTR   13,046 0 9,120
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 180,972 201 SH   SOLE   201 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 37,815 42 SH   OTR   42 0 0
HOME DEPOT INC SR GLBL NT COMMON STOCK 437076102 35,277 124 SH   SOLE   55 0 69
HOME DEPOT INC SR GLBL NT COMMON STOCK 437076102 455,184 1,600 SH   OTR   1,600 0 0
INTEL CORP COMMON STOCK 458140100 747,229 6,215 SH   SOLE   6,215 0 0
INTEL CORP COMMON STOCK 458140100 100,873 839 SH   OTR   180 0 659
INVESCO QQQ TRUST MUTUAL FUND/STO 46090E103 5,659,983 7,651 SH   SOLE   7,158 0 493
INVESCO QQQ TRUST MUTUAL FUND/STO 46090E103 40,687 55 SH   OTR   55 0 0
INVESCO S&P 500 GARP ETF MUTUAL FUND/STO 46137V431 1,863,573 15,684 SH   SOLE   15,684 0 0
INVESCO S&P 500 GARP ETF MUTUAL FUND/STO 46137V431 445,575 3,750 SH   OTR   3,095 0 655
INVESCO NASDAQ NXT GEN 100 MUTUAL FUND/STO 46138G631 227,143 5,180 SH   SOLE   5,180 0 0
INVESCO VARIABLE RATE PREFERRED MUTUAL FUND/COR 46138G870 250,497 10,565 SH   SOLE   10,565 0 0
INVESCO VARIABLE RATE PREFERRED MUTUAL FUND/COR 46138G870 13,041 550 SH   OTR   550 0 0
ISHARES CORE US AGGBD BD ETF MUTUAL FUND/COR 464287226 534,056 5,649 SH   SOLE   5,649 0 0
ISHARES CORE US AGGBD BD ETF MUTUAL FUND/COR 464287226 126,494 1,338 SH   OTR   1,338 0 0
ISHARES MSCI EAFE (MKT) MUTUAL FUND/STO 464287465 583,964 5,621 SH   SOLE   5,621 0 0
ISHARES MSCI EAFE (MKT) MUTUAL FUND/STO 464287465 4,779 46 SH   OTR   46 0 0
ISHARES CORE S&P MID-CAP (MKT) MUTUAL FUND/STO 464287507 1,811,562 25,178 SH   SOLE   23,973 0 1,205
ISHARES CORE S&P MID-CAP (MKT) MUTUAL FUND/STO 464287507 448,970 6,240 SH   OTR   4,785 0 1,455
ISHARES RUSSELL 1000 GROWTH MUTUAL FUND/STO 464287614 234,487 1,872 SH   SOLE   1,872 0 0
ISHARES CORE S&P SMALL-CAP (MKT) MUTUAL FUND/STO 464287804 1,375,909 10,114 SH   SOLE   10,114 0 0
ISHARES CORE S&P SMALL-CAP (MKT) MUTUAL FUND/STO 464287804 127,605 938 SH   OTR   60 0 878
ISHARES EDGE MSCI INTL MOMENTUM MUTUAL FUND/STO 46434V449 705,612 13,407 SH   SOLE   13,407 0 0
JPMORGAN CHASE & CO COMMON STOCK 46625H100 2,067,026 6,248 SH   SOLE   6,147 0 101
JPMORGAN CHASE & CO COMMON STOCK 46625H100 99,250 300 SH   OTR   200 0 100
JOHNSON & JOHNSON COMMON STOCK 478160104 2,364,130 8,930 SH   SOLE   8,617 0 313
JOHNSON & JOHNSON COMMON STOCK 478160104 365,606 1,381 SH   OTR   1,017 0 364
KEEL INFRASTRUCTURE CORP COMMON STOCK 486917107 19,592 5,550 SH   SOLE   5,550 0 0
KEEL INFRASTRUCTURE CORP COMMON STOCK 486917107 28,011 7,935 SH   OTR   7,935 0 0
ELI LILLY & CO COMMON STOCK 532457108 410,763 355 SH   SOLE   355 0 0
ELI LILLY & CO COMMON STOCK 532457108 104,137 90 SH   OTR   0 0 90
LOCKHEED MARTIN CORP COMMON STOCK 539830109 138,007 271 SH   SOLE   271 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 80,462 158 SH   OTR   128 0 30
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202 402,263 1,131 SH   SOLE   1,131 0 0
MCDONALDS CORP COM COMMON STOCK 580135101 691,896 2,996 SH   SOLE   2,681 0 315
MCDONALDS CORP COM COMMON STOCK 580135101 209,926 909 SH   OTR   570 0 339
MICROSOFT CORP COMMON STOCK 594918104 6,073,255 11,841 SH   SOLE   11,680 0 161
MICROSOFT CORP COMMON STOCK 594918104 2,234,707 4,357 SH   OTR   4,244 0 113
NISOURCE INC COMMON STOCK 65473P105 824,382 21,138 SH   SOLE   19,628 0 1,510
NISOURCE INC COMMON STOCK 65473P105 280,098 7,182 SH   OTR   6,510 0 672
NORTHROP GRUMMAN CORP COMMON STOCK 666807102 222,401 460 SH   SOLE   460 0 0
NORTHROP GRUMMAN CORP COMMON STOCK 666807102 43,513 90 SH   OTR   90 0 0
NVIDIA CORPORATION COMMON STOCK 67066G104 566,840 2,482 SH   SOLE   1,840 0 642
NVIDIA CORPORATION COMMON STOCK 67066G104 43,621 191 SH   OTR   189 0 2
PAYCHEX INC COMMON STOCK 704326107 193,948 1,969 SH   SOLE   992 0 977
PAYCHEX INC COMMON STOCK 704326107 135,438 1,375 SH   OTR   1,375 0 0
PEPSICO INC COMMON STOCK 713448108 142,307 1,123 SH   SOLE   1,123 0 0
PEPSICO INC COMMON STOCK 713448108 188,306 1,486 SH   OTR   1,200 0 286
PFIZER INC COMMON STOCK 717081103 290,220 10,176 SH   SOLE   9,052 0 1,124
PFIZER INC COMMON STOCK 717081103 24,641 864 SH   OTR   200 0 664
PHILIP MORRIS INTL INC COMMON STOCK 718172109 296,727 1,555 SH   SOLE   1,555 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109 160,480 841 SH   OTR   841 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 889,114 6,120 SH   SOLE   5,651 0 469
PROCTER & GAMBLE CO COMMON STOCK 742718109 198,015 1,363 SH   OTR   1,247 0 116
PROSHARES ULTRAPRO QQQ MUTUAL FUND/STO 74347X831 3,361,064 43,074 SH   SOLE   43,074 0 0
PROSHARES ULTRAPRO QQQ MUTUAL FUND/STO 74347X831 805,660 10,325 SH   OTR   10,325 0 0
PROSHARES S&P 500 DIVIDEND MUTUAL FUND/STO 74348A467 1,023,141 18,912 SH   SOLE   17,432 0 1,480
PROSHARES S&P 500 DIVIDEND MUTUAL FUND/STO 74348A467 238,581 4,410 SH   OTR   4,240 0 170
QUAKER CHEM CORP COMMON STOCK 747316107 325,774 2,065 SH   OTR   2,065 0 0
QUALCOMM INC COMMON STOCK 747525103 143,551 780 SH   SOLE   780 0 0
QUALCOMM INC COMMON STOCK 747525103 220,848 1,200 SH   OTR   1,200 0 0
STATE STREET SPDR S&P 500 ETF MUTUAL FUND/STO 78462F103 389,704 511 SH   SOLE   444 0 67
STATE STREET SPDR S&P 500 ETF MUTUAL FUND/STO 78462F103 266,921 350 SH   OTR   30 0 320
SPDR GOLD SHARES (MKT) MUTUAL FUND/STO 78463V107 769,297 2,020 SH   SOLE   1,930 0 90
SPDR GOLD SHARES (MKT) MUTUAL FUND/STO 78463V107 82,262 216 SH   OTR   216 0 0
STATE STREET SPDR BLOOMBERG MUTUAL FUND/COR 78464A359 5,014,586 49,561 SH   SOLE   44,633 0 4,928
STATE STREET SPDR BLOOMBERG MUTUAL FUND/COR 78464A359 2,213,820 21,880 SH   OTR   19,528 0 2,352
STATE STREET FINANCIAL SELECT MUTUAL FUND/STO 81369Y605 409,258 7,664 SH   SOLE   6,739 0 925
STATE STREET FINANCIAL SELECT MUTUAL FUND/STO 81369Y605 136,651 2,559 SH   OTR   2,259 0 300
STATE STREET INDUSTRIAL SELECT MUTUAL FUND/STO 81369Y704 740,890 4,437 SH   SOLE   3,796 0 641
STATE STREET TECHNOLOGY SELECT MUTUAL FUND/STO 81369Y803 2,319,060 11,847 SH   SOLE   11,139 0 708
STATE STREET TECHNOLOGY SELECT MUTUAL FUND/STO 81369Y803 45,610 233 SH   OTR   233 0 0
UTILITIES SELECT SECTOR SPDRR MUTUAL FUND/STO 81369Y886 883,891 22,411 SH   SOLE   22,411 0 0
UTILITIES SELECT SECTOR SPDRR MUTUAL FUND/STO 81369Y886 3,944 100 SH   OTR   0 0 100
SOUTHERN COMPANY COMMON STOCK 842587107 517,068 6,238 SH   SOLE   5,738 0 500
SOUTHERN COMPANY COMMON STOCK 842587107 40,285 486 SH   OTR   0 0 486
TRAVELERS COMPANIES INC COMMON STOCK 89417E109 664,891 1,865 SH   SOLE   1,865 0 0
UNITED PARCEL SERVICE COMMON STOCK 911312106 327,974 3,510 SH   SOLE   3,510 0 0
VANGUARD DIVIDEND APPREC IDX ETF MUTUAL FUND/STO 921908844 3,002,932 12,871 SH   SOLE   12,871 0 0
VANGUARD DIVIDEND APPREC IDX ETF MUTUAL FUND/STO 921908844 446,790 1,915 SH   OTR   1,340 0 575
VANGUARD MORNINGSTAR MEGA CAP MUTUAL FUND/STO 921910816 2,392,322 25,821 SH   SOLE   24,541 0 1,280
VANGUARD MORNINGSTAR MEGA CAP MUTUAL FUND/STO 921910816 243,670 2,630 SH   OTR   2,630 0 0
VANGUARD MORNINGSTAR MEGA CAP MUTUAL FUND/STO 921910840 2,229,486 13,840 SH   SOLE   11,583 0 2,257
VANGUARD MORNINGSTAR MEGA CAP MUTUAL FUND/STO 921910840 55,576 345 SH   OTR   345 0 0
VANGUARD TOTAL BOND MARKET ETF MUTUAL FUND/COR 921937835 289,580 4,128 SH   SOLE   4,128 0 0
VANGUARD HIGH DIVIDEND YIELD MUTUAL FUND/STO 921946406 1,409,059 9,079 SH   SOLE   9,079 0 0
VANGUARD HIGH DIVIDEND YIELD MUTUAL FUND/STO 921946406 158,304 1,020 SH   OTR   955 0 65
VANGUARD INTL DIV APPREC ETF MUTUAL FUND/STO 921946810 1,752,628 18,562 SH   SOLE   18,562 0 0
VANGUARD INTL DIV APPREC ETF MUTUAL FUND/STO 921946810 24,266 257 SH   OTR   161 0 96
VANGUARD EMERGING MARKETS STOCK MUTUAL FUND/STO 922042858 343,704 5,795 SH   SOLE   5,217 0 578
VANGUARD HEALTH CARE ETF (MKT) MUTUAL FUND/STO 92204A504 527,222 1,668 SH   SOLE   1,450 0 218
VANGUARD HEALTH CARE ETF (MKT) MUTUAL FUND/STO 92204A504 107,783 341 SH   OTR   156 0 185
VANGUARD INFORMATION TECHNOLOGY MUTUAL FUND/STO 92204A702 1,813,545 14,431 SH   SOLE   13,855 0 576
VANGUARD INFORMATION TECHNOLOGY MUTUAL FUND/STO 92204A702 792,224 6,304 SH   OTR   5,824 0 480
VANGUARD S&P 500 ETF MUTUAL FUND/STO 922908363 7,136,159 10,182 SH   SOLE   10,182 0 0
VANGUARD S&P 500 ETF MUTUAL FUND/STO 922908363 1,459,192 2,082 SH   OTR   1,357 0 725
VANGUARD MORNINGSTAR MID-CAP MUTUAL FUND/STO 922908512 326,733 1,671 SH   SOLE   1,656 0 15
VANGUARD MORNINGSTARR MID-CAP MUTUAL FUND/STO 922908538 966,857 3,310 SH   SOLE   3,310 0 0
VANGUARD REAL ESTATE ETF MUTUAL FUND/STO 922908553 215,918 2,409 SH   SOLE   2,409 0 0
VANGUARD REAL ESTATE ETF MUTUAL FUND/STO 922908553 2,241 25 SH   OTR   25 0 0
VANGUARD MORNINGSTAR SMALL-CAP MUTUAL FUND/STO 922908595 493,233 1,460 SH   SOLE   1,460 0 0
VANGUARD MORNINGSTAR SMALL-CAP MUTUAL FUND/STO 922908611 324,826 1,406 SH   SOLE   1,406 0 0
VANGUARD MORNINGSTAR GROWTH ETF MUTUAL FUND/STO 922908736 5,786,329 64,214 SH   SOLE   62,198 0 2,016
VANGUARD MORNINGSTAR GROWTH ETF MUTUAL FUND/STO 922908736 264,382 2,934 SH   OTR   1,134 0 1,800
VANGUARD MORNINGSTAR VALUE ETF MUTUAL FUND/STO 922908744 1,326,947 6,141 SH   SOLE   6,141 0 0
VANGUARD MORNINGSTAR VALUE ETF MUTUAL FUND/STO 922908744 173,944 805 SH   OTR   330 0 475
VANGUARD MORNINGSTAR SMALL-CAP MUTUAL FUND/STO 922908751 308,955 1,086 SH   SOLE   912 0 174
VANGUARD MORNINGSTAR SMALL-CAP MUTUAL FUND/STO 922908751 314,363 1,105 SH   OTR   855 0 250
VANGUARD MORNINGSTAR TOTAL STOCK MUTUAL FUND/STO 922908769 314,735 841 SH   SOLE   841 0 0
VERIZON COMMUNICATIONS INC COMMON STOCK 92343V104 485,079 10,575 SH   SOLE   7,277 0 3,298
VERIZON COMMUNICATIONS INC COMMON STOCK 92343V104 93,254 2,033 SH   OTR   1,378 0 655
VISA INC COMMON STOCK 92826C839 676,618 1,883 SH   SOLE   1,594 0 289
VISA INC COMMON STOCK 92826C839 210,927 587 SH   OTR   389 0 198
WALMART INC COMMON STOCK 931142103 281,208 2,706 SH   SOLE   2,439 0 267
WALMART INC COMMON STOCK 931142103 140,604 1,353 SH   OTR   0 0 1,353
WELLTOWER INC COMMON STOCK 95040Q104 884,351 3,841 SH   SOLE   3,540 0 301
WELLTOWER INC COMMON STOCK 95040Q104 276,288 1,200 SH   OTR   929 0 271
WHEATON PRECIOUS METALS CORP FOREIGN STOCK 962879102 1,524,408 11,400 SH   SOLE   11,400 0 0
ASTRAZENECA PLC FOREIGN STOCK G0593M107 27,127 168 SH   SOLE   0 0 168
ASTRAZENECA PLC FOREIGN STOCK G0593M107 222,829 1,380 SH   OTR   1,380 0 0
MEDTRONIC PLC FOREIGN STOCK G5960L103 483,224 5,600 SH   SOLE   5,600 0 0