Instuitional Investor - Bayban

13F Holdings

Filing Period:

No.	Security	Ticker	Shares	Value	% Port
1.	Unitedhealth Group Inc	UNH	40,639	$13,415,340	11.86%
2.	Ishares Trust	IEF	8,927	$6,114,459	5.4%
3.	Vanguard Total Stock Market Etf		15,481	$5,190,315	4.59%
4.	Apple Inc.	AAPL	17,397	$4,729,548	4.18%
5.	Us Bancorp	USB	80,047	$4,271,308	3.78%