SEC Filing | Summit Financial Group, Inc.

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SEC FORM 13F-HR

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 COVER PAGE

OMB APPROVAL

OMB Number:		3235-0006
Expires:	Oct 31, 2018
Estimated average burden
hours per response:		23.8

Report for the Calendar Year or Quarter Ended:

09-30-2020

Check here if Amendment		Amendment Number:
This Amendment (Check only one.):		is a restatement.
		adds new holdings entries.

Institutional Investment Manager Filing this Report:
Name:	SUMMIT FINANCIAL GROUP INC
Address:	300 NORTH MAIN ST

	MOOREFIELD, WV 26836
Form 13F File Number:	028-18100

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

Person Signing this Report on Behalf of Reporting Manager:
Name:	Cynthia Higgins-Atwell
Title:	Vice President, Trust Operations
Phone:	304-324-3306
Signature, Place, and Date of Signing:
/s/ Cynthia Higgins-Atwell		Moorefield, WV	10-05-2020
[Signature]		[City, State]	[Date]

Report Type (Check only one.):
X	13F HOLDINGS REPORT. (Check here if all holdings of this reporting manager are reported in this report.)
	13F NOTICE. (Check here if no holdings reported are in this report, and all holdings are reported by other reporting manager(s).)
	13F COMBINATION REPORT. (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)

Form 13F Summary Page
	Report Summary:
	Number of Other Included Managers:	0
	Form 13F Information Table Entry Total:	209
	Form 13F Information Table Value Total:	201,585
		(thousands)

List of Other Included Managers:
Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.
[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]
NONE

SEC FORM 13-F Information Table

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE

OMB APPROVAL

OMB Number:		3235-0006
Expires:	Oct 31, 2018
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	(x$1000)	PRN AMT	PRN	CALL	DISCRETION	MANAGER	SOLE	SHARED	NONE
ACCENTURE PLC IRELAND	SHS CLASS A	G1151C101	205	907	SH		SOLE		907	0	0
MEDTRONIC PLC	SHS	G5960L103	344	3,315	SH		SOLE		3,315	0	0
MEDTRONIC PLC	SHS	G5960L103	18	175	SH		OTR		175	0	0
TRANE TECHNOLOGIES PLC	SHS	G8994E103	509	4,200	SH		SOLE		4,200	0	0
CHUBB LIMITED	COM	H1467J104	213	1,833	SH		SOLE		1,833	0	0
ALPS ETF TR	MED BREAKTHGH	00162Q593	372	9,050	SH		SOLE		9,050	0	0
AT&T INC	COM	00206R102	1,305	45,762	SH		SOLE		45,762	0	0
AT&T INC	COM	00206R102	176	6,178	SH		OTR		5,765	0	413
ABBOTT LABS	COM	002824100	855	7,858	SH		SOLE		7,858	0	0
ABBOTT LABS	COM	002824100	16	150	SH		OTR		150	0	0
ABBVIE INC	COM	00287Y109	820	9,365	SH		SOLE		9,365	0	0
ABBVIE INC	COM	00287Y109	18	200	SH		OTR		200	0	0
ADOBE SYSTEMS INCORPORATED	COM	00724F101	404	823	SH		SOLE		823	0	0
AIR PRODS & CHEMS INC	COM	009158106	1,325	4,450	SH		SOLE		4,450	0	0
ALPHABET INC	CAP STK CL A	02079K305	311	212	SH		SOLE		212	0	0
ALTRIA GROUP INC	COM	02209S103	211	5,450	SH		SOLE		5,450	0	0
ALTRIA GROUP INC	COM	02209S103	2	50	SH		OTR		0	0	50
AMAZON COM INC	COM	023135106	941	299	SH		SOLE		299	0	0
AMERICAN ELEC PWR CO INC	COM	025537101	1,041	12,743	SH		SOLE		12,743	0	0
AMERICAN ELEC PWR CO INC	COM	025537101	8	100	SH		OTR		100	0	0
AMGEN INC	COM	031162100	222	873	SH		SOLE		873	0	0
AMGEN INC	COM	031162100	25	100	SH		OTR		100	0	0
ANTHEM INC	COM	036752103	207	770	SH		SOLE		770	0	0
APPLE INC	COM	037833100	3,494	30,166	SH		SOLE		30,166	0	0
AUTODESK INC	COM	052769106	1,386	6,000	SH		SOLE		6,000	0	0
AUTOMATIC DATA PROCESSING	IN COM	053015103	494	3,540	SH		SOLE		3,540	0	0
AUTOMATIC DATA PROCESSING	IN COM	053015103	14	100	SH		OTR		100	0	0
BAXTER INTL INC	COM	071813109	760	9,455	SH		SOLE		9,455	0	0
BECTON DICKINSON & CO	COM	075887109	239	1,026	SH		SOLE		1,026	0	0
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	669	3,140	SH		SOLE		3,140	0	0
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	26	124	SH		OTR		0	0	124
BLACK HILLS CORP	COM	092113109	428	8,000	SH		SOLE		8,000	0	0
BRISTOL-MYERS SQUIBB CO	COM	110122108	503	8,350	SH		SOLE		8,350	0	0
CSX CORP	COM	126408103	2,935	37,782	SH		SOLE		37,782	0	0
CSX CORP	COM	126408103	253	3,257	SH		OTR		188	0	3,069
CAPITAL ONE FINL CORP	COM	14040H105	209	2,910	SH		SOLE		2,910	0	0
CATERPILLAR INC DEL	COM	149123101	575	3,852	SH		SOLE		3,852	0	0
CHEVRON CORP NEW	COM	166764100	522	7,250	SH		SOLE		7,250	0	0
CHEVRON CORP NEW	COM	166764100	7	100	SH		OTR		100	0	0
CISCO SYS INC	COM	17275R102	1,327	33,696	SH		SOLE		33,696	0	0
CISCO SYS INC	COM	17275R102	12	300	SH		OTR		300	0	0
COCA COLA CO	COM	191216100	2,571	52,082	SH		SOLE		52,082	0	0
COCA COLA CO	COM	191216100	133	2,690	SH		OTR		2,690	0	0
COLGATE PALMOLIVE CO	COM	194162103	815	10,566	SH		SOLE		10,566	0	0
COLGATE PALMOLIVE CO	COM	194162103	231	3,000	SH		OTR		3,000	0	0
COMCAST CORP NEW	CL A	20030N101	260	5,630	SH		SOLE		5,630	0	0
COMCAST CORP NEW	CL A	20030N101	47	1,014	SH		OTR		0	0	1,014
COSTCO WHSL CORP NEW	COM	22160K105	204	574	SH		SOLE		574	0	0
CROWN CASTLE INTL CORP NEW	COM	22822V101	247	1,482	SH		SOLE		1,482	0	0
DARDEN RESTAURANTS INC	COM	237194105	303	3,009	SH		SOLE		3,009	0	0
DISNEY WALT CO	COM DISNEY	254687106	2,333	18,800	SH		SOLE		18,800	0	0
DOLLAR GEN CORP NEW	COM	256677105	204	975	SH		SOLE		975	0	0
DOMINION ENERGY INC	COM	25746U109	506	6,406	SH		SOLE		6,406	0	0
DOMINION ENERGY INC	COM	25746U109	5	62	SH		OTR		62	0	0
DUKE ENERGY CORP NEW	COM NEW	26441C204	621	7,009	SH		SOLE		7,009	0	0
DUKE ENERGY CORP NEW	COM NEW	26441C204	17	187	SH		OTR		187	0	0
DUPONT DE NEMOURS INC	COM	26614N102	519	9,356	SH		SOLE		9,356	0	0
ETF MANAGERS TR	PRIME MOBILE PAY	26924G409	670	12,315	SH		SOLE		12,315	0	0
EDWARDS LIFESCIENCES CORP	COM	28176E108	1,571	19,680	SH		SOLE		19,680	0	0
EMERSON ELEC CO	COM	291011104	1,188	18,125	SH		SOLE		18,125	0	0
EMERSON ELEC CO	COM	291011104	138	2,100	SH		OTR		2,100	0	0
EXCHANGE TRADED CONCEPTS TR	ROBO GLB ETF	301505707	1,045	21,696	SH		SOLE		21,696	0	0
EXXON MOBIL CORP	COM	30231G102	1,379	40,166	SH		SOLE		40,166	0	0
EXXON MOBIL CORP	COM	30231G102	216	6,285	SH		OTR		6,197	0	88
FIRST CMNTY BANKSHARES IN	C V COM	31983A103	826	45,749	SH		SOLE		45,749	0	0
FIRST TR EXCHANGE-TRADED FD	DJ INTERNT IDX	33733E302	1,041	5,525	SH		SOLE		5,525	0	0
FIRST TR EXCHANGE TRADED FD	NASDAQ CYB ETF	33734X846	1,044	29,988	SH		SOLE		29,988	0	0
FIRST TR NAS100 EQ WEIGHTED	SHS	337344105	1,237	14,320	SH		SOLE		14,320	0	0
FIRST TR EXCH TRADED FD III	PFD SECS INC ETF	33739E108	487	25,393	SH		SOLE		25,393	0	0
FISERV INC	COM	337738108	1,928	18,707	SH		SOLE		18,707	0	0
GENERAL DYNAMICS CORP	COM	369550108	726	5,242	SH		SOLE		5,242	0	0
GENERAL ELECTRIC CO	COM	369604103	126	20,148	SH		SOLE		20,148	0	0
GENERAL ELECTRIC CO	COM	369604103	15	2,400	SH		OTR		0	0	2,400
GENERAL MLS INC	COM	370334104	507	8,222	SH		SOLE		8,222	0	0
HERSHEY CO	COM	427866108	935	6,525	SH		SOLE		6,525	0	0
HOME DEPOT INC	COM	437076102	2,354	8,475	SH		SOLE		8,475	0	0
HOME DEPOT INC	COM	437076102	67	240	SH		OTR		140	0	100
HONEYWELL INTL INC	COM	438516106	1,090	6,619	SH		SOLE		6,619	0	0
INTEL CORP	COM	458140100	2,016	38,935	SH		SOLE		38,935	0	0
INTEL CORP	COM	458140100	21	400	SH		OTR		400	0	0
INTERCONTINENTAL EXCHANGE IN	COM	45866F104	856	8,560	SH		SOLE		8,560	0	0
INTERNATIONAL BUSINESS MACHS	COM	459200101	620	5,097	SH		SOLE		5,097	0	0
INTERNATIONAL BUSINESS MACHS	COM	459200101	482	3,960	SH		OTR		200	0	3,760
INVESCO QQQ TR	UNIT SER 1	46090E103	4,227	15,212	SH		SOLE		15,212	0	0
INVESCO EXCHANGE TRADED FD T	S&P500 EQL WGT	46137V357	3,901	36,084	SH		SOLE		36,084	0	0
ISHARES INC	EM MKTS DIV ETF	464286319	223	7,414	SH		SOLE		7,414	0	0
ISHARES TR	S&P 100 ETF	464287101	568	3,649	SH		SOLE		3,649	0	0
ISHARES TR	CORE S&P TTL STK	464287150	288	3,820	SH		SOLE		3,820	0	0
ISHARES TR	SELECT DIVID ETF	464287168	2,260	27,711	SH		SOLE		27,711	0	0
ISHARES TR	SELECT DIVID ETF	464287168	338	4,150	SH		OTR		4,150	0	0
ISHARES TR	TIPS BD ETF	464287176	290	2,296	SH		SOLE		2,296	0	0
ISHARES TR	CORE S&P500 ETF	464287200	3,707	11,030	SH		SOLE		11,030	0	0
ISHARES TR	CORE US AGGBD ET	464287226	13,818	117,040	SH		SOLE		117,040	0	0
ISHARES TR	CORE US AGGBD ET	464287226	1,034	8,755	SH		OTR		8,755	0	0
ISHARES TR	MSCI EMG MKT ETF	464287234	3,197	72,514	SH		SOLE		72,514	0	0
ISHARES TR	MSCI EMG MKT ETF	464287234	486	11,020	SH		OTR		11,020	0	0
ISHARES TR	IBOXX INV CP ETF	464287242	238	1,765	SH		SOLE		1,765	0	0
ISHARES TR	GLOBAL TECH ETF	464287291	353	1,339	SH		SOLE		1,339	0	0
ISHARES TR	S&P 500 GRWT ETF	464287309	1,490	6,449	SH		SOLE		6,449	0	0
ISHARES TR	GLOB HLTHCRE ETF	464287325	221	3,084	SH		SOLE		3,084	0	0
ISHARES TR	BARCLAYS 7 10 YR	464287440	513	4,212	SH		SOLE		4,212	0	0
ISHARES TR	1 3 YR TREAS BD	464287457	1,187	13,721	SH		SOLE		13,721	0	0
ISHARES TR	MSCI EAFE ETF	464287465	4,263	66,975	SH		SOLE		66,975	0	0
ISHARES TR	MSCI EAFE ETF	464287465	455	7,141	SH		OTR		7,141	0	0
ISHARES TR	RUS MD CP GR ETF	464287481	1,333	7,710	SH		SOLE		7,710	0	0
ISHARES TR	RUS MID CAP ETF	464287499	1,626	28,342	SH		SOLE		28,342	0	0
ISHARES TR	RUS MID CAP ETF	464287499	17	300	SH		OTR		300	0	0
ISHARES TR	CORE S&P MCP ETF	464287507	3,946	21,292	SH		SOLE		21,292	0	0
ISHARES TR	CORE S&P MCP ETF	464287507	1,205	6,500	SH		OTR		6,500	0	0
ISHARES TR	NASDAQ BIOTECH	464287556	921	6,805	SH		SOLE		6,805	0	0
ISHARES TR	NASDAQ BIOTECH	464287556	244	1,800	SH		OTR		1,800	0	0
ISHARES TR	GLOBAL 100 ETF	464287572	221	3,930	SH		SOLE		3,930	0	0
ISHARES TR	GLOBAL 100 ETF	464287572	11	200	SH		OTR		200	0	0
ISHARES TR	S&P MC 400GR ETF	464287606	342	1,428	SH		SOLE		1,428	0	0
ISHARES TR	RUS 1000 GRW ETF	464287614	1,165	5,370	SH		SOLE		5,370	0	0
ISHARES TR	RUS 1000 ETF	464287622	519	2,772	SH		SOLE		2,772	0	0
ISHARES TR	RUS 2000 GRW ETF	464287648	288	1,300	SH		SOLE		1,300	0	0
ISHARES TR	RUSSELL 2000 ETF	464287655	620	4,141	SH		SOLE		4,141	0	0
ISHARES TR	RUSSELL 3000 ETF	464287689	981	5,014	SH		SOLE		5,014	0	0
ISHARES TR	U.S. REAL ES ETF	464287739	213	2,670	SH		SOLE		2,670	0	0
ISHARES TR	US INDUSTRIALS	464287754	17	100	SH		SOLE		100	0	0
ISHARES TR	US INDUSTRIALS	464287754	251	1,500	SH		OTR		1,500	0	0
ISHARES TR	U.S. FIN SVC ETF	464287770	542	4,445	SH		SOLE		4,445	0	0
ISHARES TR	CORE S&P SCP ETF	464287804	5,107	72,720	SH		SOLE		72,720	0	0
ISHARES TR	CORE S&P SCP ETF	464287804	351	5,000	SH		OTR		5,000	0	0
ISHARES TR	S&P SML 600 GWT	464287887	392	2,223	SH		SOLE		2,223	0	0
ISHARES TR	INTL SEL DIV ETF	464288448	665	26,662	SH		SOLE		26,662	0	0
ISHARES TR	ISHS 1-5YR INVS	464288646	868	15,800	SH		SOLE		15,800	0	0
ISHARES TR	ISHS 1-5YR INVS	464288646	110	2,000	SH		OTR		2,000	0	0
ISHARES TR	3 7 YR TREAS BD	464288661	7,303	54,664	SH		SOLE		54,664	0	0
ISHARES TR	3 7 YR TREAS BD	464288661	878	6,574	SH		OTR		6,574	0	0
ISHARES TR	PFD AND INCM SEC	464288687	1,651	45,289	SH		SOLE		45,289	0	0
ISHARES TR	PFD AND INCM SEC	464288687	21	580	SH		OTR		580	0	0
ISHARES TR	U.S. MED DVC ETF	464288810	255	850	SH		SOLE		850	0	0
ISHARES TR	MICRO-CAP ETF	464288869	249	2,750	SH		SOLE		2,750	0	0
ISHARES TR	US TREAS BD ETF	46429B267	986	35,267	SH		SOLE		35,267	0	0
ISHARES TR	CORE HIGH DV ETF	46429B663	1,537	19,093	SH		SOLE		19,093	0	0
ISHARES TR	CORE HIGH DV ETF	46429B663	8	100	SH		OTR		100	0	0
ISHARES TR	MSCI USA MMENTM	46432F396	343	2,325	SH		SOLE		2,325	0	0
ISHARES INC	MSCI JPN ETF NEW	46434G822	288	4,875	SH		SOLE		4,875	0	0
ISHARES TR	CORE INTL AGGR	46435G672	278	5,000	SH		SOLE		5,000	0	0
JPMORGAN CHASE & CO	COM	46625H100	975	10,131	SH		SOLE		10,131	0	0
JOHNSON & JOHNSON	COM	478160104	5,362	36,013	SH		SOLE		36,013	0	0
JOHNSON & JOHNSON	COM	478160104	520	3,490	SH		OTR		3,490	0	0
KIMBERLY CLARK CORP	COM	494368103	292	1,975	SH		SOLE		1,975	0	0
LILLY ELI & CO	COM	532457108	2,221	15,005	SH		SOLE		15,005	0	0
LOWES COS INC	COM	548661107	823	4,964	SH		SOLE		4,964	0	0
MANULIFE FINL CORP	COM	56501R106	141	10,118	SH		SOLE		10,118	0	0
MASTERCARD INCORPORATED	CL A	57636Q104	244	723	SH		SOLE		723	0	0
MCDONALDS CORP	COM	580135101	636	2,897	SH		SOLE		2,897	0	0
MERCK & CO. INC	COM	58933Y105	402	4,843	SH		SOLE		4,843	0	0
MICROSOFT CORP	COM	594918104	7,452	35,431	SH		SOLE		35,431	0	0
MICROSOFT CORP	COM	594918104	1,149	5,465	SH		OTR		5,465	0	0
MONDELEZ INTL INC	CL A	609207105	282	4,910	SH		SOLE		4,910	0	0
MONDELEZ INTL INC	CL A	609207105	12	209	SH		OTR		175	0	34
NESTLE S A	SPONSORED ADR	641069406	330	2,773	SH		SOLE		2,773	0	0
NEXTERA ENERGY INC	COM	65339F101	782	2,816	SH		SOLE		2,816	0	0
NORFOLK SOUTHN CORP	COM	655844108	1,927	9,007	SH		SOLE		9,007	0	0
NORFOLK SOUTHN CORP	COM	655844108	498	2,328	SH		OTR		705	0	1,623
NOVARTIS AG	SPONSORED ADR	66987V109	328	3,777	SH		SOLE		3,777	0	0
ORACLE CORP	COM	68389X105	237	3,970	SH		SOLE		3,970	0	0
PEPSICO INC	COM	713448108	1,807	13,041	SH		SOLE		13,041	0	0
PEPSICO INC	COM	713448108	47	340	SH		OTR		340	0	0
PFIZER INC	COM	717081103	1,083	29,518	SH		SOLE		29,518	0	0
PFIZER INC	COM	717081103	195	5,325	SH		OTR		5,325	0	0
PHILIP MORRIS INTL INC	COM	718172109	289	3,850	SH		SOLE		3,850	0	0
PHILIP MORRIS INTL INC	COM	718172109	4	50	SH		OTR		0	0	50
PROCTER AND GAMBLE CO	COM	742718109	6,225	44,790	SH		SOLE		44,790	0	0
PROCTER AND GAMBLE CO	COM	742718109	300	2,160	SH		OTR		2,160	0	0
PROSHARES TR	PSHS ULTRA QQQ	74347R206	1,216	13,270	SH		OTR		13,270	0	0
QUALCOMM INC	COM	747525103	663	5,633	SH		SOLE		5,633	0	0
RGC RES INC	COM	74955L103	1,235	52,678	SH		SOLE		52,678	0	0
RAYTHEON TECHNOLOGIES CORP	COM	75513E101	1,686	29,293	SH		SOLE		29,293	0	0
RAYTHEON TECHNOLOGIES CORP	COM	75513E101	92	1,600	SH		OTR		1,600	0	0
RENAISSANCE CAP GREENWICH FD	IPO ETF	759937204	1,006	19,240	SH		SOLE		19,240	0	0
SPDR S&P 500 ETF TR	TR UNIT	78462F103	3,294	9,836	SH		SOLE		9,836	0	0
SPDR S&P 500 ETF TR	TR UNIT	78462F103	31	94	SH		OTR		94	0	0
SPDR SER TR	BLMBRG BRC CNVRT	78464A359	317	4,599	SH		SOLE		4,599	0	0
SCHLUMBERGER LTD	COM	806857108	201	12,907	SH		SOLE		12,907	0	0
SELECT SECTOR SPDR TR	TECHNOLOGY	81369Y803	292	2,500	SH		SOLE		2,500	0	0
SOUTHERN CO	COM	842587107	625	11,518	SH		SOLE		11,518	0	0
STANLEY BLACK & DECKER INC	COM	854502101	337	2,077	SH		SOLE		2,077	0	0
STANLEY BLACK & DECKER INC	COM	854502101	16	101	SH		OTR		101	0	0
STARBUCKS CORP	COM	855244109	445	5,175	SH		SOLE		5,175	0	0
SUMMIT FINL GROUP INC	COM	86606G101	3,234	218,337	SH		SOLE		218,337	0	0
SUMMIT FINL GROUP INC	COM	86606G101	379	25,578	SH		OTR		24,500	0	1,078
SYSCO CORP	COM	871829107	251	4,041	SH		SOLE		4,041	0	0
TARGET CORP	COM	87612E106	469	2,980	SH		SOLE		2,980	0	0
TEXAS INSTRS INC	COM	882508104	293	2,052	SH		SOLE		2,052	0	0
THERMO FISHER SCIENTIFIC	INC COM	883556102	238	539	SH		SOLE		539	0	0
3M CO	COM	88579Y101	286	1,786	SH		SOLE		1,786	0	0
US BANCORP DEL	COM NEW	902973304	211	5,877	SH		SOLE		5,877	0	0
UNION PAC CORP	COM	907818108	272	1,380	SH		SOLE		1,380	0	0
UNITED PARCEL SERVICE INC	CL B	911312106	220	1,320	SH		SOLE		1,320	0	0
UNITEDHEALTH GROUP INC	COM	91324P102	211	677	SH		SOLE		677	0	0
UNITEDHEALTH GROUP INC	COM	91324P102	62	200	SH		OTR		0	0	200
VANGUARD TAX-MANAGED INTL FD	FTSE DEV MKT ETF	921943858	3,722	90,991	SH		SOLE		90,991	0	0
VANGUARD TAX-MANAGED INTL FD	FTSE DEV MKT ETF	921943858	336	8,207	SH		OTR		8,207	0	0
VANGUARD INTL EQUITY INDEX F	ALLWRLD EX US	922042775	2,518	49,901	SH		SOLE		49,901	0	0
VANGUARD INTL EQUITY INDEX F	ALLWRLD EX US	922042775	282	5,586	SH		OTR		5,586	0	0
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	3,171	73,330	SH		SOLE		73,330	0	0
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	237	5,479	SH		OTR		5,479	0	0
VERIZON COMMUNICATIONS INC	COM	92343V104	1,835	30,853	SH		SOLE		30,853	0	0
VERIZON COMMUNICATIONS INC	COM	92343V104	17	286	SH		OTR		0	0	286
VISA INC	COM CL A	92826C839	599	2,993	SH		SOLE		2,993	0	0
WALMART INC	COM	931142103	570	4,075	SH		SOLE		4,075	0	0
WASTE MGMT INC DEL	COM	94106L109	1,632	14,423	SH		SOLE		14,423	0	0
WASTE MGMT INC DEL	COM	94106L109	283	2,500	SH		OTR		2,500	0	0
WELLTOWER INC	COM	95040Q104	427	7,750	SH		SOLE		7,750	0	0