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  <infoTable>
    <nameOfIssuer>AXIS CAPITAL HLDGS LTD</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>G0692U109</cusip>
    <value>59085</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1280</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1280</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACCENTURE PLC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>G1151C101</cusip>
    <value>1085490</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15081</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>14345</Sole>
      <Shared>0</Shared>
      <None>736</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACCENTURE PLC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>G1151C101</cusip>
    <value>46907</value>
    <shrsOrPrnAmt>
      <sshPrnamt>645</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>645</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COVIDIEN PLC</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>G2554F113</cusip>
    <value>265996</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4225</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4225</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EATON CORP PLC</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>G29183103</cusip>
    <value>26824</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EATON CORP PLC</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>G29183103</cusip>
    <value>59399</value>
    <shrsOrPrnAmt>
      <sshPrnamt>895</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>895</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INGERSOLL RAND PUBLIC LTD CO</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>G47791101</cusip>
    <value>42140</value>
    <shrsOrPrnAmt>
      <sshPrnamt>750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NABORS INDUSTRIES LTD</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>G6359F103</cusip>
    <value>4021</value>
    <shrsOrPrnAmt>
      <sshPrnamt>230</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>230</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEADRILL LIMITED</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>G7945E105</cusip>
    <value>65668</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GARMIN LTD</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>H2906T109</cusip>
    <value>118019</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NOBLE CORPORATION</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>H5833N103</cusip>
    <value>1439</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>25</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRANSOCEAN LTD</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>H8817H100</cusip>
    <value>50703</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1047</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1047</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
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    <nameOfIssuer>STRATASYS LTD</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>M85548101</cusip>
    <value>36926</value>
    <shrsOrPrnAmt>
      <sshPrnamt>435</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>435</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AFLAC INC                   COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>001055102</cusip>
    <value>220154</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3780</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2730</Sole>
      <Shared>0</Shared>
      <None>1050</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AT&amp;T INC                    COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>00206R102</cusip>
    <value>1983805</value>
    <shrsOrPrnAmt>
      <sshPrnamt>56042</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>44990</Sole>
      <Shared>0</Shared>
      <None>11052</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AT&amp;T INC                    COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>00206R102</cusip>
    <value>128434</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3615</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3615</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ABAXIS INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>002567105</cusip>
    <value>32325</value>
    <shrsOrPrnAmt>
      <sshPrnamt>670</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>670</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ABBOTT LABORATORIES         COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>002824100</cusip>
    <value>459431</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13158</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12378</Sole>
      <Shared>0</Shared>
      <None>780</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ABBOTT LABORATORIES         COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>002824100</cusip>
    <value>6533</value>
    <shrsOrPrnAmt>
      <sshPrnamt>173</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>173</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ABBVIE INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>00287Y109</cusip>
    <value>857083</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20722</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>20602</Sole>
      <Shared>0</Shared>
      <None>120</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ABBVIE INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>00287Y109</cusip>
    <value>40929</value>
    <shrsOrPrnAmt>
      <sshPrnamt>978</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>978</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ABERDEEN CHILE FD INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>00301W105</cusip>
    <value>2495</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ABERDEEN AUSTRAILIA         EQUITY FUND</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>003011103</cusip>
    <value>31412</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACADIA RLTY TR</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>004239109</cusip>
    <value>23674</value>
    <shrsOrPrnAmt>
      <sshPrnamt>939</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>939</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACTIVISION BLIZZARD INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>00507V109</cusip>
    <value>1198</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>49</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>THE ADVISORY BOARD</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>00762W107</cusip>
    <value>29464</value>
    <shrsOrPrnAmt>
      <sshPrnamt>530</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>530</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ADVANCED MICRO DEVICES INC  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>007903107</cusip>
    <value>4570</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AGNICO EAGLE MINES LTD      COM NEW ADR</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>008474108</cusip>
    <value>22532</value>
    <shrsOrPrnAmt>
      <sshPrnamt>800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AIR PRODS &amp; CHEMS INC       COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>009158106</cusip>
    <value>2789</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>25</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALCOA INC                   COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>013817101</cusip>
    <value>49390</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6252</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6252</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALLERGAN INC                COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>018490102</cusip>
    <value>56519</value>
    <shrsOrPrnAmt>
      <sshPrnamt>665</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>665</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALLIANCE DATA SYSTEMS</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>018581108</cusip>
    <value>52998</value>
    <shrsOrPrnAmt>
      <sshPrnamt>290</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>290</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALLSCRIPTS HEALTHCARE SOLU</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>01988P108</cusip>
    <value>4951</value>
    <shrsOrPrnAmt>
      <sshPrnamt>344</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>344</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALLSTATE CORP               COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>020002101</cusip>
    <value>2616</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>44</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALLSTATE CORP               COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>020002101</cusip>
    <value>56307</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1160</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1160</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALTRIA GROUP INC            COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>02209S103</cusip>
    <value>1262880</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36090</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>35800</Sole>
      <Shared>0</Shared>
      <None>290</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALTRIA GROUP INC            COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>02209S103</cusip>
    <value>77629</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2205</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2205</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMAZON COM INC              COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>023135106</cusip>
    <value>92970</value>
    <shrsOrPrnAmt>
      <sshPrnamt>333</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>333</Sole>
      <Shared>0</Shared>
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    <cusip>02503X105</cusip>
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      <None>0</None>
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    <cusip>025816109</cusip>
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    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>025816109</cusip>
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      <sshPrnamt>45</sshPrnamt>
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    <cusip>03073E105</cusip>
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    <shrsOrPrnAmt>
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      <None>0</None>
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    <cusip>03076C106</cusip>
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      <None>0</None>
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    <cusip>031162100</cusip>
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    <cusip>032511107</cusip>
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      <sshPrnamt>1080</sshPrnamt>
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    <cusip>032511107</cusip>
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    <cusip>032654105</cusip>
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    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>03524A108</cusip>
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      <sshPrnamt>12316</sshPrnamt>
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    <votingAuthority>
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    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>03524A108</cusip>
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      <None>0</None>
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    <nameOfIssuer>ANNALY MTG MGMT INC</nameOfIssuer>
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    <cusip>035710409</cusip>
    <value>82204</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6500</sshPrnamt>
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    <votingAuthority>
      <Sole>6500</Sole>
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      <None>0</None>
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    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>03662Q105</cusip>
    <value>33760</value>
    <shrsOrPrnAmt>
      <sshPrnamt>455</sshPrnamt>
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      <Sole>455</Sole>
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      <None>0</None>
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    <cusip>037411105</cusip>
    <value>1275619</value>
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      <sshPrnamt>15212</sshPrnamt>
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    <votingAuthority>
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      <None>1217</None>
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    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>037411105</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>55</sshPrnamt>
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      <Sole>55</Sole>
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    <nameOfIssuer>APPLE INC COM               COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>037833100</cusip>
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      <sshPrnamt>6128</sshPrnamt>
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    <votingAuthority>
      <Sole>5815</Sole>
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    <nameOfIssuer>APPLE INC COM               COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>037833100</cusip>
    <value>201533</value>
    <shrsOrPrnAmt>
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      <Sole>507</Sole>
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    <nameOfIssuer>APPLIED MATLS INC           COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>038222105</cusip>
    <value>28848</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1900</sshPrnamt>
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      <Sole>1900</Sole>
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      <None>0</None>
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    <nameOfIssuer>ARCHER DANIELS MIDLAND CO   COM</nameOfIssuer>
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    <cusip>039483102</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>46156</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>44629</Sole>
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    <nameOfIssuer>ARCHER DANIELS MIDLAND CO   COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>039483102</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>728</sshPrnamt>
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      <Sole>728</Sole>
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    <nameOfIssuer>ARGAN INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>04010E109</cusip>
    <value>9860</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
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      <Sole>600</Sole>
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      <None>0</None>
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    <nameOfIssuer>ASTRAZENECA PLC</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>046353108</cusip>
    <value>528208</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11160</sshPrnamt>
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      <Sole>11040</Sole>
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    <cusip>046353108</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>361</sshPrnamt>
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      <None>0</None>
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    <nameOfIssuer>ATHENAHEALTH INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>04685W103</cusip>
    <value>34811</value>
    <shrsOrPrnAmt>
      <sshPrnamt>405</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>405</Sole>
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    <nameOfIssuer>ATLAS RESOURCE PARTNERS</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>04941A101</cusip>
    <value>11445</value>
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      <sshPrnamt>500</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>500</Sole>
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      <None>0</None>
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    <nameOfIssuer>AUTOMATIC DATA PROCESSING</nameOfIssuer>
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    <cusip>053015103</cusip>
    <value>1725152</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25047</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>23178</Sole>
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      <None>1869</None>
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    <nameOfIssuer>AUTOMATIC DATA PROCESSING</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>053015103</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>1335</sshPrnamt>
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      <Sole>1335</Sole>
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      <None>0</None>
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    <nameOfIssuer>AUTOZONE INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>053332102</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>2837</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>2578</Sole>
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    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>053332102</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>15</sshPrnamt>
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      <Sole>15</Sole>
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      <None>0</None>
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    <nameOfIssuer>BCE INC COM NEW</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>05534B760</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>1500</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1500</Sole>
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      <None>0</None>
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    <nameOfIssuer>BP AMOCO PLC                SPONSORED ADR</nameOfIssuer>
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    <cusip>055622104</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>377</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>377</Sole>
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      <None>0</None>
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    <nameOfIssuer>BAKER HUGHES INC            COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>057224107</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>25</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>25</Sole>
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      <None>0</None>
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    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>058498106</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>940</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>940</Sole>
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      <None>0</None>
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    <nameOfIssuer>BANCROFT CONV FD INC        COM</nameOfIssuer>
    <titleOfClass>OTHER-ETF</titleOfClass>
    <cusip>059695106</cusip>
    <value>35140</value>
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      <sshPrnamt>2000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2000</Sole>
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      <None>0</None>
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    <nameOfIssuer>BANK OF AMERICA CORPORATION COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>060505104</cusip>
    <value>21796</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1656</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1656</Sole>
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      <None>0</None>
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    <nameOfIssuer>BAXTER INTL INC             COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>071813109</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>19558</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>17743</Sole>
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      <None>1815</None>
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  <infoTable>
    <nameOfIssuer>BAXTER INTL INC             COM</nameOfIssuer>
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    <cusip>071813109</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>50</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>50</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>BED BATH &amp; BEYOND INC       COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>075896100</cusip>
    <value>96282</value>
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      <sshPrnamt>1350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1350</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BEMIS INC                   COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>081437105</cusip>
    <value>44325</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1120</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1120</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BERKSHIRE HATHAWAY INC DEL  CL A</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>084670108</cusip>
    <value>169100</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BERKSHIRE HATHAWAY INC DEL  CL B NEW</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>084670702</cusip>
    <value>540168</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4822</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3897</Sole>
      <Shared>0</Shared>
      <None>925</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BHP BILLITON LIMITED</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>088606108</cusip>
    <value>221873</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3840</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3840</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BHP BILLITON LIMITED</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>088606108</cusip>
    <value>48867</value>
    <shrsOrPrnAmt>
      <sshPrnamt>839</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>839</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BIOREFERENCE LABS INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>09057G602</cusip>
    <value>31320</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1072</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1072</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>BLACKROCK, INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>09247X101</cusip>
    <value>562976</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2190</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2190</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>BLACKROCK MUNIVEST FD INC</nameOfIssuer>
    <titleOfClass>OTHER-ETF</titleOfClass>
    <cusip>09253R105</cusip>
    <value>10650</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1000</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>BLACKROCK MUN TARGET TERM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>09257P105</cusip>
    <value>19960</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1000</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BOARDWALKE PIPELINE LP</nameOfIssuer>
    <titleOfClass>PARTNERSHIPS</titleOfClass>
    <cusip>096627104</cusip>
    <value>18620</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>600</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BOEING CO                   COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>097023105</cusip>
    <value>92696</value>
    <shrsOrPrnAmt>
      <sshPrnamt>900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BORG WARNER INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>099724106</cusip>
    <value>9115</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BORG WARNER INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>099724106</cusip>
    <value>47882</value>
    <shrsOrPrnAmt>
      <sshPrnamt>550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>550</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRINKER INTL INC            COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>109641100</cusip>
    <value>51759</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRISTOL MYERS SQUIBB CO     COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>110122108</cusip>
    <value>483803</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10817</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10817</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRISTOL MYERS SQUIBB CO     COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>110122108</cusip>
    <value>29542</value>
    <shrsOrPrnAmt>
      <sshPrnamt>650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>650</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRUNSWICK CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>117043109</cusip>
    <value>6890</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CBRE GROUP INC CL A</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>12504L109</cusip>
    <value>21290</value>
    <shrsOrPrnAmt>
      <sshPrnamt>890</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>890</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CF INDS HLDGS INC           COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>125269100</cusip>
    <value>908556</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5295</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4933</Sole>
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      <None>362</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CF INDS HLDGS INC           COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>125269100</cusip>
    <value>4787</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>25</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CIGNA CORP                  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>125509109</cusip>
    <value>51243</value>
    <shrsOrPrnAmt>
      <sshPrnamt>700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>700</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CME GROUP INC COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>12572Q105</cusip>
    <value>440244</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5790</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5790</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CSX CORP                    COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>126408103</cusip>
    <value>7454</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>300</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CVS/CAREMARK CORP           COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>126650100</cusip>
    <value>146880</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2560</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2560</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CVS/CAREMARK CORP           COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>126650100</cusip>
    <value>51962</value>
    <shrsOrPrnAmt>
      <sshPrnamt>900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>900</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CA INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>12673P105</cusip>
    <value>546473</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19085</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>18980</Sole>
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      <None>105</None>
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  <infoTable>
    <nameOfIssuer>CA INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>12673P105</cusip>
    <value>16204</value>
    <shrsOrPrnAmt>
      <sshPrnamt>549</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>549</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CABOT MICROELECTRONICS CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>12709P103</cusip>
    <value>17825</value>
    <shrsOrPrnAmt>
      <sshPrnamt>525</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>525</Sole>
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      <None>0</None>
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    <nameOfIssuer>CALGON CARBON CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>129603106</cusip>
    <value>23852</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1400</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CALUMET SPECIALTY PROD LP</nameOfIssuer>
    <titleOfClass>PARTNERSHIPS</titleOfClass>
    <cusip>131476103</cusip>
    <value>18690</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>500</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAPITAL ONE FINANCIAL CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>14040H105</cusip>
    <value>814376</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12959</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12223</Sole>
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      <None>736</None>
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  <infoTable>
    <nameOfIssuer>CAPITAL ONE FINANCIAL CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>14040H105</cusip>
    <value>2384</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>30</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARDINAL HEALTH INC         COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>14149Y108</cusip>
    <value>1184435</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25084</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>22489</Sole>
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      <None>2595</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CARDINAL HEALTH INC         COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>14149Y108</cusip>
    <value>54544</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1145</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1145</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAREFUSION CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>14170T101</cusip>
    <value>12915</value>
    <shrsOrPrnAmt>
      <sshPrnamt>337</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>337</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAREFUSION CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>14170T101</cusip>
    <value>47655</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1280</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1280</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARNIVAL CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>143658300</cusip>
    <value>3929</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CATERPILLAR INC DEL         COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>149123101</cusip>
    <value>228169</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2760</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2760</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CATERPILLAR INC DEL         COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>149123101</cusip>
    <value>29371</value>
    <shrsOrPrnAmt>
      <sshPrnamt>350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>CELGENE CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>151020104</cusip>
    <value>1283551</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10969</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10500</Sole>
      <Shared>0</Shared>
      <None>469</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CELGENE CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>151020104</cusip>
    <value>35008</value>
    <shrsOrPrnAmt>
      <sshPrnamt>295</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>295</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CELSION CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>15117N305</cusip>
    <value>1233</value>
    <shrsOrPrnAmt>
      <sshPrnamt>726</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>726</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CENTERPOINT ENERGY INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>15189T107</cusip>
    <value>760765</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32381</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>32196</Sole>
      <Shared>0</Shared>
      <None>185</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CENTERPOINT ENERGY INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>15189T107</cusip>
    <value>22640</value>
    <shrsOrPrnAmt>
      <sshPrnamt>943</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>943</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>DEPHEID</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>15670R107</cusip>
    <value>38867</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1115</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1115</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CHEMED CORP INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>16359R103</cusip>
    <value>28023</value>
    <shrsOrPrnAmt>
      <sshPrnamt>380</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>380</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHEVRON CORPORATION NEW</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>166764100</cusip>
    <value>3996705</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33770</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>32552</Sole>
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      <None>1218</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CHEVRON CORPORATION NEW</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>166764100</cusip>
    <value>52686</value>
    <shrsOrPrnAmt>
      <sshPrnamt>441</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>391</Sole>
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      <None>50</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHUBB CORP                  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>171232101</cusip>
    <value>278573</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3285</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3285</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>CISCO SYS INC               COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>17275R102</cusip>
    <value>1785467</value>
    <shrsOrPrnAmt>
      <sshPrnamt>73369</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>64914</Sole>
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      <None>8455</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CISCO SYS INC               COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>17275R102</cusip>
    <value>74218</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3030</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3030</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CITIGROUP INC COM NEW</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>172967424</cusip>
    <value>9182</value>
    <shrsOrPrnAmt>
      <sshPrnamt>181</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>181</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CITRIX SYSTEMS INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>177376100</cusip>
    <value>45468</value>
    <shrsOrPrnAmt>
      <sshPrnamt>745</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>745</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CLAYMORE EXCHANGE TRADED FD</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>18383Q853</cusip>
    <value>21234</value>
    <shrsOrPrnAmt>
      <sshPrnamt>934</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>934</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CLAYMORE EXCHANGE TRADED    CHINA ALL CP ETF</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>18385P101</cusip>
    <value>7236</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CLIFFS NATURAL RESOURCES INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>18683K101</cusip>
    <value>5375</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CLOROX CO DEL               COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>189054109</cusip>
    <value>21282</value>
    <shrsOrPrnAmt>
      <sshPrnamt>250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CLOROX CO DEL               COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>189054109</cusip>
    <value>6734</value>
    <shrsOrPrnAmt>
      <sshPrnamt>75</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>75</None>
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  <infoTable>
    <nameOfIssuer>COACH INC                   COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>189754104</cusip>
    <value>16769</value>
    <shrsOrPrnAmt>
      <sshPrnamt>285</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>285</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>COCA COLA CO                COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>191216100</cusip>
    <value>337220</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8395</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8395</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>COCA COLA CO                COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>191216100</cusip>
    <value>6516</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>150</None>
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    <nameOfIssuer>COCA COLA ENTERPRISES NEW</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>19122T109</cusip>
    <value>41274</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1160</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1160</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>COGNIZANT TECHNOLOGY SOL</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>192446102</cusip>
    <value>395110</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6301</sshPrnamt>
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    <votingAuthority>
      <Sole>5211</Sole>
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      <None>1090</None>
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  <infoTable>
    <nameOfIssuer>COGNIZANT TECHNOLOGY SOL</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>192446102</cusip>
    <value>8328</value>
    <shrsOrPrnAmt>
      <sshPrnamt>125</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>125</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>COMCAST CORP NEW CL A</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>20030N101</cusip>
    <value>105751</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2521</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2521</Sole>
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      <None>0</None>
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    <nameOfIssuer>COMPANHIA PARANAENSE ENERGY</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>20441B407</cusip>
    <value>12920</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1000</Sole>
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      <None>0</None>
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    <nameOfIssuer>CONAGRA FOODS INC           COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>205887102</cusip>
    <value>21458</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>600</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  </infoTable>
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    <nameOfIssuer>CONCUR TECHNOLOGIES</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>206708109</cusip>
    <value>25727</value>
    <shrsOrPrnAmt>
      <sshPrnamt>310</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>310</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
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    <nameOfIssuer>CONOCOPHILLIPS</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>20825C104</cusip>
    <value>1933959</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31959</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>29853</Sole>
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      <None>2106</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONOCOPHILLIPS</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>20825C104</cusip>
    <value>19980</value>
    <shrsOrPrnAmt>
      <sshPrnamt>322</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>322</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONSOLIDATED EDISON INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>209115104</cusip>
    <value>311000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5325</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5325</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONSTELLATION BRANDS INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>21036P108</cusip>
    <value>13527</value>
    <shrsOrPrnAmt>
      <sshPrnamt>250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CORNING INC                 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>219350105</cusip>
    <value>92395</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6458</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6458</Sole>
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      <None>0</None>
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  </infoTable>
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    <nameOfIssuer>COSTCO WHSL CORP NEW        COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>22160K105</cusip>
    <value>645815</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5837</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5398</Sole>
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      <None>439</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COSTCO WHSL CORP NEW        COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>22160K105</cusip>
    <value>111622</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1005</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1005</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CREDIT SUISSE GROUP         SPONSORED ADR</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>225401108</cusip>
    <value>187951</value>
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      <sshPrnamt>7087</sshPrnamt>
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      <Sole>7087</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CREE INC                    COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>225447101</cusip>
    <value>54117</value>
    <shrsOrPrnAmt>
      <sshPrnamt>840</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>840</Sole>
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      <None>0</None>
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    <nameOfIssuer>CRESTWOOD MIDSTREAM PART</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>226372100</cusip>
    <value>17965</value>
    <shrsOrPrnAmt>
      <sshPrnamt>700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>700</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CUBIST PHARMACEUTICALS INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>229678107</cusip>
    <value>14986</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>300</Sole>
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      <None>0</None>
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    <nameOfIssuer>CUMMINS INC                 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>231021106</cusip>
    <value>21649</value>
    <shrsOrPrnAmt>
      <sshPrnamt>195</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>195</Sole>
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      <None>0</None>
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    <nameOfIssuer>CURRENCY SHS AUSTRAILIAN ETF</nameOfIssuer>
    <titleOfClass>OTHER-ETF</titleOfClass>
    <cusip>23129U101</cusip>
    <value>21197</value>
    <shrsOrPrnAmt>
      <sshPrnamt>226</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>226</Sole>
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      <None>0</None>
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    <nameOfIssuer>CURRENCY SHS CDN DLR - ETF</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>23129X105</cusip>
    <value>9952</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
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      <None>0</None>
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    <nameOfIssuer>DANAHER CORP DEL            COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>235851102</cusip>
    <value>1224940</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19348</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>17631</Sole>
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      <None>1717</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DANAHER CORP DEL            COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>235851102</cusip>
    <value>6829</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DARDEN RESTAURANTS INC      COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>237194105</cusip>
    <value>705367</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13967</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13887</Sole>
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      <None>80</None>
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  <infoTable>
    <nameOfIssuer>DARDEN RESTAURANTS INC      COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>237194105</cusip>
    <value>21393</value>
    <shrsOrPrnAmt>
      <sshPrnamt>414</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>414</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DARLING INTL INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>237266101</cusip>
    <value>26610</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1400</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>DAVITA INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>23918K108</cusip>
    <value>46404</value>
    <shrsOrPrnAmt>
      <sshPrnamt>380</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>380</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>DEALERTRACK HOLDINGS</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>242309102</cusip>
    <value>22112</value>
    <shrsOrPrnAmt>
      <sshPrnamt>610</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>610</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DEERE &amp; CO                  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>244199105</cusip>
    <value>8625</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DELTA AIRLINES INC DEL</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>247361702</cusip>
    <value>71560</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3800</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DELUXE CORP                 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>248019101</cusip>
    <value>46917</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1340</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1340</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DENTSPLY INTL INC NEW       COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>249030107</cusip>
    <value>33260</value>
    <shrsOrPrnAmt>
      <sshPrnamt>800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>800</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIGI INTERNATIONAL INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>253798102</cusip>
    <value>10244</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1040</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1040</Sole>
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      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>WALT DISNEY                 COM DISNEY</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>254687106</cusip>
    <value>2166139</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34295</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>31506</Sole>
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      <None>2789</None>
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  <infoTable>
    <nameOfIssuer>WALT DISNEY                 COM DISNEY</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>254687106</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>DISCOVER FINANCIAL SERVICES</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>254709108</cusip>
    <value>644855</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13530</sshPrnamt>
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    <votingAuthority>
      <Sole>12369</Sole>
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  <infoTable>
    <nameOfIssuer>DISCOVER FINANCIAL SERVICES</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>254709108</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>1232</sshPrnamt>
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    <votingAuthority>
      <Sole>1232</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>DIRECTV COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>25490A309</cusip>
    <value>1133284</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18382</sshPrnamt>
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    <votingAuthority>
      <Sole>17525</Sole>
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      <None>857</None>
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  <infoTable>
    <nameOfIssuer>DIRECTV COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>25490A309</cusip>
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      <sshPrnamt>40</sshPrnamt>
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      <Sole>40</Sole>
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  <infoTable>
    <nameOfIssuer>DOLBY LABORATORIES</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>25659T107</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>1200</sshPrnamt>
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    <votingAuthority>
      <Sole>1200</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>DOMINION RES INC VA NEW     COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>25746U109</cusip>
    <value>220352</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3870</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3870</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>DOVER CORP                  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>260003108</cusip>
    <value>16030</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>200</Sole>
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  <infoTable>
    <nameOfIssuer>DOVER CORP                  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>260003108</cusip>
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      <sshPrnamt>720</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>720</Sole>
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  <infoTable>
    <nameOfIssuer>DOW CHEMICAL CO</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>260543103</cusip>
    <value>179630</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5570</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5570</Sole>
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      <None>0</None>
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    <nameOfIssuer>DRESSER RAND GROUP INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>261608103</cusip>
    <value>24486</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>400</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DUPONT E I DENEMOURS &amp; CO</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>263534109</cusip>
    <value>810834</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15435</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13773</Sole>
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      <None>1662</None>
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  <infoTable>
    <nameOfIssuer>DUPONT E I DENEMOURS &amp; CO</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>263534109</cusip>
    <value>7850</value>
    <shrsOrPrnAmt>
      <sshPrnamt>140</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>140</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>DUKE ENERGY CORP NEW COM    NEW</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>26441C204</cusip>
    <value>541845</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8020</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8020</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>EMERGING GBL BRAZIL - ETF</nameOfIssuer>
    <titleOfClass>EMERGING MARKETS-ETF</titleOfClass>
    <cusip>268461829</cusip>
    <value>7432</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>400</Sole>
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      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>E M C CORP MASS             COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>268648102</cusip>
    <value>349145</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14767</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>14767</Sole>
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  <infoTable>
    <nameOfIssuer>E M C CORP MASS             COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>268648102</cusip>
    <value>41699</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1745</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1745</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EATON VANCE LTD</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>27828H105</cusip>
    <value>2350</value>
    <shrsOrPrnAmt>
      <sshPrnamt>116</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>116</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ECOLAB INC                  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>278865100</cusip>
    <value>117125</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1369</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1369</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EDISON INTL                 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>281020107</cusip>
    <value>106141</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2194</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2194</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELLSWORTH FUND LTD COM</nameOfIssuer>
    <titleOfClass>OTHER-ETF</titleOfClass>
    <cusip>289074106</cusip>
    <value>19650</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EMERSON ELEC CO             COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>291011104</cusip>
    <value>1192673</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21859</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>21704</Sole>
      <Shared>0</Shared>
      <None>155</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EMERSON ELEC CO             COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>291011104</cusip>
    <value>20679</value>
    <shrsOrPrnAmt>
      <sshPrnamt>370</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>370</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENCANA CORP</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>292505104</cusip>
    <value>8964</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENERGY TRANSFER PARTNERS LP</nameOfIssuer>
    <titleOfClass>PARTNERSHIPS</titleOfClass>
    <cusip>29273R109</cusip>
    <value>64584</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1268</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1268</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENTERGY CORP NEW            COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>29364G103</cusip>
    <value>33945</value>
    <shrsOrPrnAmt>
      <sshPrnamt>480</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>480</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENTERPRISE PRODUCTS         PARTNERS LP</nameOfIssuer>
    <titleOfClass>PARTNERSHIPS</titleOfClass>
    <cusip>293792107</cusip>
    <value>75080</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENZO BIOCHEM INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>294100102</cusip>
    <value>2673</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1050</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXELON CORP                 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>30161N101</cusip>
    <value>1557845</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50436</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>48865</Sole>
      <Shared>0</Shared>
      <None>1571</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXELON CORP                 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>30161N101</cusip>
    <value>38233</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1222</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1222</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXELIS INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>30162A108</cusip>
    <value>18427</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXXON MOBIL CORP            COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>30231G102</cusip>
    <value>6452830</value>
    <shrsOrPrnAmt>
      <sshPrnamt>71416</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>63827</Sole>
      <Shared>0</Shared>
      <None>7589</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXXON MOBIL CORP            COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>30231G102</cusip>
    <value>432913</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4786</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4726</Sole>
      <Shared>0</Shared>
      <None>60</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FACEBOOK</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>30303M102</cusip>
    <value>25792</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1017</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1017</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FACEBOOK</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>30303M102</cusip>
    <value>47777</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1901</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1901</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FEDEX CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>31428X106</cusip>
    <value>81828</value>
    <shrsOrPrnAmt>
      <sshPrnamt>825</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>825</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIFTH THIRD BANCORP         COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>316773100</cusip>
    <value>57506</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3160</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3160</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIFTH ST FIN CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>31678A103</cusip>
    <value>10950</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST FINL BANCORP OHIO</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>320209109</cusip>
    <value>91077</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6079</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6079</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST NIAGARA FINL INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>33582V108</cusip>
    <value>18102</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1748</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1748</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR MLP &amp; ENERGY</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>33739B104</cusip>
    <value>20950</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FISERV INC                  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>337738108</cusip>
    <value>38956</value>
    <shrsOrPrnAmt>
      <sshPrnamt>440</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>440</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FLUOR CORP NEW              COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>343412102</cusip>
    <value>20071</value>
    <shrsOrPrnAmt>
      <sshPrnamt>330</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>330</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FOOT LOCKER INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>344849104</cusip>
    <value>42656</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORD MOTOR CO</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>345370860</cusip>
    <value>348865</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22519</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>22519</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FREEPORT MCMORAN COPPER     &amp; GOLD INC COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>35671D857</cusip>
    <value>28110</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FRONTIER COMMUNICATIONS CO</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>35906A108</cusip>
    <value>7068</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1626</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1000</Sole>
      <Shared>0</Shared>
      <None>626</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GATX CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>361448103</cusip>
    <value>50775</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1060</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1060</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GDL FUND</nameOfIssuer>
    <titleOfClass>PREFERRED STOCK</titleOfClass>
    <cusip>361570104</cusip>
    <value>1140</value>
    <shrsOrPrnAmt>
      <sshPrnamt>56</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>56</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GABELLI DIVIDEND &amp; INC</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>36242H104</cusip>
    <value>482</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>25</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GANNETT INC                 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>364730101</cusip>
    <value>2945</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAL DYNAMICS CORP       COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>369550108</cusip>
    <value>549385</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7008</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6974</Sole>
      <Shared>0</Shared>
      <None>34</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAL DYNAMICS CORP       COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>369550108</cusip>
    <value>14832</value>
    <shrsOrPrnAmt>
      <sshPrnamt>183</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>183</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAL ELECTRIC CO         COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>369604103</cusip>
    <value>4011936</value>
    <shrsOrPrnAmt>
      <sshPrnamt>173062</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>152611</Sole>
      <Shared>0</Shared>
      <None>20451</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAL ELECTRIC CO         COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>369604103</cusip>
    <value>96903</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4159</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4159</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAL MLS INC             COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>370334104</cusip>
    <value>320293</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6591</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6591</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENTEX CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>371901109</cusip>
    <value>34253</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1465</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1465</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GENUINE PARTS CO            COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>372460105</cusip>
    <value>174573</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2230</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2230</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GILEAD SCIENCES INC         COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>375558103</cusip>
    <value>135083</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2625</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2625</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GLAXO HOLDINGS PLC SPONSORED ADR</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>37733W105</cusip>
    <value>65458</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GOOGLE INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>38259P508</cusip>
    <value>599140</value>
    <shrsOrPrnAmt>
      <sshPrnamt>680</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>680</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GOOGLE INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>38259P508</cusip>
    <value>115827</value>
    <shrsOrPrnAmt>
      <sshPrnamt>131</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>131</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GRAINGER W W INC            COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>384802104</cusip>
    <value>403987</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1600</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GRAINGER W W INC            COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>384802104</cusip>
    <value>49675</value>
    <shrsOrPrnAmt>
      <sshPrnamt>195</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>195</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GRANITE CONSTRUCTION</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>387328107</cusip>
    <value>51074</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GREAT PLAINS ENERGY INC     COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>391164100</cusip>
    <value>56824</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2500</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GREEN MTN COFFEE ROASTERS</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>393122106</cusip>
    <value>69693</value>
    <shrsOrPrnAmt>
      <sshPrnamt>920</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>920</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GREENWAY MED TECHNOLOGYS</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>39679B103</cusip>
    <value>24069</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1910</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1910</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HCP INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>40414L109</cusip>
    <value>56969</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1243</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1243</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HALLIBURTON CO              COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>406216101</cusip>
    <value>250191</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5985</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5985</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>HARLEY DAVIDSON INC         COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>412822108</cusip>
    <value>12503</value>
    <shrsOrPrnAmt>
      <sshPrnamt>219</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>219</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HARRIS CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>413875105</cusip>
    <value>571221</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11589</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11535</Sole>
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      <None>54</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HARRIS CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>413875105</cusip>
    <value>13697</value>
    <shrsOrPrnAmt>
      <sshPrnamt>268</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>268</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HARTFORD FINL SVCS GROUP INCCOM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>416515104</cusip>
    <value>32275</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1028</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1028</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HELMERICH &amp; PAYNE INC       COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>423452101</cusip>
    <value>10179</value>
    <shrsOrPrnAmt>
      <sshPrnamt>155</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>155</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HERCULES OFFSHORE INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>427093109</cusip>
    <value>32180</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4500</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HERSHEY CO COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>427866108</cusip>
    <value>13892</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>150</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HERTZ GLOBAL HOLDINGS</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>42805T105</cusip>
    <value>615882</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24827</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>22976</Sole>
      <Shared>0</Shared>
      <None>1851</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HERTZ GLOBAL HOLDINGS</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>42805T105</cusip>
    <value>1045</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>22</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>HEWLETT PACKARD CO          COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>428236103</cusip>
    <value>14134</value>
    <shrsOrPrnAmt>
      <sshPrnamt>550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>550</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>HEWLETT PACKARD CO          COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>428236103</cusip>
    <value>5458</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>200</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>HOME DEPOT INC              COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>437076102</cusip>
    <value>1728415</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22305</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>22085</Sole>
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      <None>220</None>
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  <infoTable>
    <nameOfIssuer>HOME DEPOT INC              COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>437076102</cusip>
    <value>76961</value>
    <shrsOrPrnAmt>
      <sshPrnamt>987</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>987</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>HOME PPTYS INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>437306103</cusip>
    <value>56186</value>
    <shrsOrPrnAmt>
      <sshPrnamt>852</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>852</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>HONEYWELL INTL INC          COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>438516106</cusip>
    <value>549928</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6925</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6925</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>HORMEL FOODS</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>440452100</cusip>
    <value>23642</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>600</Sole>
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      <None>0</None>
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    <nameOfIssuer>HOSPITALITY PROPERTIES      TRUST</nameOfIssuer>
    <titleOfClass>REAL ESTATE-ETF</titleOfClass>
    <cusip>44106M102</cusip>
    <value>146823</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5570</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5570</Sole>
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      <None>0</None>
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    <nameOfIssuer>HUBBELL INC                 CL B</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>443510201</cusip>
    <value>45149</value>
    <shrsOrPrnAmt>
      <sshPrnamt>451</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>451</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>HUDSON VALLEY HOLDING       CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>444172100</cusip>
    <value>10766</value>
    <shrsOrPrnAmt>
      <sshPrnamt>605</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>605</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>HUMANA INC                  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>444859102</cusip>
    <value>52815</value>
    <shrsOrPrnAmt>
      <sshPrnamt>620</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>620</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>IPC HOSPITALIST CO</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>44984A105</cusip>
    <value>34654</value>
    <shrsOrPrnAmt>
      <sshPrnamt>665</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <Sole>665</Sole>
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      <None>0</None>
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    <nameOfIssuer>ITT CORP NEW COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>450911201</cusip>
    <value>19610</value>
    <shrsOrPrnAmt>
      <sshPrnamt>650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>650</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>IDACORP INC                 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>451107106</cusip>
    <value>38698</value>
    <shrsOrPrnAmt>
      <sshPrnamt>800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>800</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IHS INC A</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>451734107</cusip>
    <value>46427</value>
    <shrsOrPrnAmt>
      <sshPrnamt>440</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>440</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ILLINOIS TOOL WKS INC       COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>452308109</cusip>
    <value>77278</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1110</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1110</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ILLINOIS TOOL WKS INC       COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>452308109</cusip>
    <value>83504</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IMMUNOGEN INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>45253H101</cusip>
    <value>56657</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3385</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3385</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INGREDION INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>457187102</cusip>
    <value>10341</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>150</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INGREDION INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>457187102</cusip>
    <value>42490</value>
    <shrsOrPrnAmt>
      <sshPrnamt>640</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>640</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INNERWORKINGS INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>45773Y105</cusip>
    <value>23773</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2145</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2145</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTEL CORP                  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>458140100</cusip>
    <value>2314568</value>
    <shrsOrPrnAmt>
      <sshPrnamt>95549</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>87438</Sole>
      <Shared>0</Shared>
      <None>8111</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTEL CORP                  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>458140100</cusip>
    <value>107524</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4419</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4419</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTEGRYS ENERGY GROUP INC   COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>45822P105</cusip>
    <value>2899</value>
    <shrsOrPrnAmt>
      <sshPrnamt>41</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>41</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERCONTINTENALEXCHANGE</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>45865V100</cusip>
    <value>124931</value>
    <shrsOrPrnAmt>
      <sshPrnamt>700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL BUSINESS MACH  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>459200101</cusip>
    <value>5612905</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29368</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>28417</Sole>
      <Shared>0</Shared>
      <None>951</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL BUSINESS MACH  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>459200101</cusip>
    <value>209764</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1095</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1095</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL FLAVORS&amp;FRAGRACOM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>459506101</cusip>
    <value>7263</value>
    <shrsOrPrnAmt>
      <sshPrnamt>90</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>90</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTUITIVE SURGICAL INC      COM NEW</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>46120E602</cusip>
    <value>22263</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>43</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES SILVER TRUST - ETF</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>46428Q109</cusip>
    <value>42212</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES S &amp; P GLOBAL        COMMM INDEX ETF</nameOfIssuer>
    <titleOfClass>ALTERNATIVES-ETF</titleOfClass>
    <cusip>46428R107</cusip>
    <value>14355</value>
    <shrsOrPrnAmt>
      <sshPrnamt>450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES MSCI BRAZIL         CAPPED ETF</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>464286400</cusip>
    <value>23307</value>
    <shrsOrPrnAmt>
      <sshPrnamt>520</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>520</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES MSCI CANADA - ETF</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>464286509</cusip>
    <value>2234845</value>
    <shrsOrPrnAmt>
      <sshPrnamt>85498</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>84308</Sole>
      <Shared>20</Shared>
      <None>1170</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES MSCI CANADA - ETF</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>464286509</cusip>
    <value>19393</value>
    <shrsOrPrnAmt>
      <sshPrnamt>723</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>723</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES MSCI PACIFIC        EX JAPAN - ETF</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>464286665</cusip>
    <value>42444</value>
    <shrsOrPrnAmt>
      <sshPrnamt>975</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>975</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHAS MSCI SINGAPORE ETF</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>464286673</cusip>
    <value>14567</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TIPS BOND - ETF</nameOfIssuer>
    <titleOfClass>INFLATION PROTECTED-ETF</titleOfClass>
    <cusip>464287176</cusip>
    <value>420534</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES CHINA LARGE-CAP ETF</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>464287184</cusip>
    <value>10256</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES S&amp;P 500 INDX FD-ETF</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>464287200</cusip>
    <value>76918</value>
    <shrsOrPrnAmt>
      <sshPrnamt>475</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>475</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES BARCLAYS AGGREGATE  BOND FUND - ETF</nameOfIssuer>
    <titleOfClass>LONG/INTERMEDIATE BOND-ETF</titleOfClass>
    <cusip>464287226</cusip>
    <value>23060759</value>
    <shrsOrPrnAmt>
      <sshPrnamt>215098</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>214453</Sole>
      <Shared>165</Shared>
      <None>480</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES BARCLAYS AGGREGATE  BOND FUND - ETF</nameOfIssuer>
    <titleOfClass>LONG/INTERMEDIATE BOND-ETF</titleOfClass>
    <cusip>464287226</cusip>
    <value>181681</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1690</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1690</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES MSCI EMERGING       MARKETS - ETF</nameOfIssuer>
    <titleOfClass>EMERGING MARKETS-ETF</titleOfClass>
    <cusip>464287234</cusip>
    <value>1446364</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37555</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>37495</Sole>
      <Shared>0</Shared>
      <None>60</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES S&amp;P 500 GROWTH ETF</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>464287309</cusip>
    <value>5278336</value>
    <shrsOrPrnAmt>
      <sshPrnamt>62828</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>62435</Sole>
      <Shared>34</Shared>
      <None>359</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES S&amp;P 500 GROWTH ETF</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>464287309</cusip>
    <value>30657</value>
    <shrsOrPrnAmt>
      <sshPrnamt>359</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>359</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES MSCI EAFE ETF</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>464287465</cusip>
    <value>2845681</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49663</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>49163</Sole>
      <Shared>0</Shared>
      <None>500</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHS TR S&amp;P MIDCAP 400 - ETF</nameOfIssuer>
    <titleOfClass>SMALL/MID CAP-ETF</titleOfClass>
    <cusip>464287507</cusip>
    <value>11725748</value>
    <shrsOrPrnAmt>
      <sshPrnamt>101520</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>95226</Sole>
      <Shared>14</Shared>
      <None>6280</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHS TR S&amp;P MIDCAP 400 - ETF</nameOfIssuer>
    <titleOfClass>SMALL/MID CAP-ETF</titleOfClass>
    <cusip>464287507</cusip>
    <value>123388</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1064</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1064</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL 2000        VALUE - ETF</nameOfIssuer>
    <titleOfClass>SMALL/MID CAP-ETF</titleOfClass>
    <cusip>464287630</cusip>
    <value>597933</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6955</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6955</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL 2000        GROWTH - ETF</nameOfIssuer>
    <titleOfClass>SMALL/MID CAP-ETF</titleOfClass>
    <cusip>464287648</cusip>
    <value>3501994</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31401</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>26428</Sole>
      <Shared>0</Shared>
      <None>4973</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL 2000        GROWTH - ETF</nameOfIssuer>
    <titleOfClass>SMALL/MID CAP-ETF</titleOfClass>
    <cusip>464287648</cusip>
    <value>67404</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR SMALLCAP 600  ETF</nameOfIssuer>
    <titleOfClass>SMALL/MID CAP-ETF</titleOfClass>
    <cusip>464287804</cusip>
    <value>4600014</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50937</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>49989</Sole>
      <Shared>12</Shared>
      <None>936</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR SMALLCAP 600  ETF</nameOfIssuer>
    <titleOfClass>SMALL/MID CAP-ETF</titleOfClass>
    <cusip>464287804</cusip>
    <value>21898</value>
    <shrsOrPrnAmt>
      <sshPrnamt>237</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>237</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES S&amp;P SMALL-CAP       600 VALUE - ETF</nameOfIssuer>
    <titleOfClass>SMALL/MID CAP-ETF</titleOfClass>
    <cusip>464287879</cusip>
    <value>9058184</value>
    <shrsOrPrnAmt>
      <sshPrnamt>96942</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>95249</Sole>
      <Shared>24</Shared>
      <None>1669</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES S&amp;P SMALL-CAP       600 VALUE - ETF</nameOfIssuer>
    <titleOfClass>SMALL/MID CAP-ETF</titleOfClass>
    <cusip>464287879</cusip>
    <value>41702</value>
    <shrsOrPrnAmt>
      <sshPrnamt>441</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>441</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES GLOBAL              INFRASTRUCTURE ETF</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>464288372</cusip>
    <value>76137</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES IBOXX USD HIGH YIELDCORPORATE BOND - ETF</nameOfIssuer>
    <titleOfClass>HIGH YIELD BOND-ETF</titleOfClass>
    <cusip>464288513</cusip>
    <value>953830</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10490</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10490</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES MBS ETF</nameOfIssuer>
    <titleOfClass>LONG/INTERMEDIATE BOND-ETF</titleOfClass>
    <cusip>464288588</cusip>
    <value>61007</value>
    <shrsOrPrnAmt>
      <sshPrnamt>575</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>575</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHS 1-3 YEAR               CREDIT BOND - ETF</nameOfIssuer>
    <titleOfClass>SHORT-TERM BOND-ETF</titleOfClass>
    <cusip>464288646</cusip>
    <value>253621</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2410</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2410</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES MSCI ALL PERU       CAPPED - ETF</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>464289842</cusip>
    <value>7326</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES MSCI USA MINIMUM    VOLATILITY - ETF</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>46429B697</cusip>
    <value>5274986</value>
    <shrsOrPrnAmt>
      <sshPrnamt>162007</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>161016</Sole>
      <Shared>89</Shared>
      <None>902</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES MSCI USA MINIMUM    VOLATILITY - ETF</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>46429B697</cusip>
    <value>30421</value>
    <shrsOrPrnAmt>
      <sshPrnamt>919</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>919</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>J P MORGAN CHASE &amp; CO</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>46625H100</cusip>
    <value>3079696</value>
    <shrsOrPrnAmt>
      <sshPrnamt>58332</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>55342</Sole>
      <Shared>0</Shared>
      <None>2990</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>J P MORGAN CHASE &amp; CO</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>46625H100</cusip>
    <value>84485</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1591</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1591</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON &amp; JOHNSON           COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>478160104</cusip>
    <value>3653452</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42547</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>39427</Sole>
      <Shared>0</Shared>
      <None>3120</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON &amp; JOHNSON           COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>478160104</cusip>
    <value>254901</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2963</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2963</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON CTLS INC            COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>478366107</cusip>
    <value>305428</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8520</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8520</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON CTLS INC            COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>478366107</cusip>
    <value>33784</value>
    <shrsOrPrnAmt>
      <sshPrnamt>930</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>930</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KLA-TENCOR CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>482480100</cusip>
    <value>51205</value>
    <shrsOrPrnAmt>
      <sshPrnamt>910</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>910</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KELLOGG CO                  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>487836108</cusip>
    <value>254034</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3948</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3900</Sole>
      <Shared>0</Shared>
      <None>48</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KELLOGG CO                  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>487836108</cusip>
    <value>17197</value>
    <shrsOrPrnAmt>
      <sshPrnamt>260</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>260</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KEYCORP NEW                 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>493267108</cusip>
    <value>3171</value>
    <shrsOrPrnAmt>
      <sshPrnamt>242</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>242</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KIMBERLY CLARK CORP         COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>494368103</cusip>
    <value>1369438</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14093</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13873</Sole>
      <Shared>0</Shared>
      <None>220</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KIMBERLY CLARK CORP         COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>494368103</cusip>
    <value>93946</value>
    <shrsOrPrnAmt>
      <sshPrnamt>962</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>962</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KOHLS CORP                  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>500255104</cusip>
    <value>68169</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1340</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1340</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KONINKLIJKE PHILIPS ELECTRS NV SP ADR</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>500472303</cusip>
    <value>30424</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1101</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1101</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KONINKLIJKE PHILIPS ELECTRS NV SP ADR</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>500472303</cusip>
    <value>20613</value>
    <shrsOrPrnAmt>
      <sshPrnamt>740</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>740</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KRAFT FOODS GRP INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>50076Q106</cusip>
    <value>941074</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16839</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>16685</Sole>
      <Shared>0</Shared>
      <None>154</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KRAFT FOODS GRP INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>50076Q106</cusip>
    <value>27423</value>
    <shrsOrPrnAmt>
      <sshPrnamt>482</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>482</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KROGER CO                   COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>501044101</cusip>
    <value>57145</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1640</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1640</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KRONOS WORLDWIDE INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>50105F105</cusip>
    <value>24845</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>L BRANDS INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>501797104</cusip>
    <value>52212</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1050</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LKQ CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>501889208</cusip>
    <value>58695</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2260</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2260</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LSI CORPORATION</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>502161102</cusip>
    <value>54050</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LACLEDE GROUP INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>505597104</cusip>
    <value>9628</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LEAPFROG ENTERPRISES INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>52186N106</cusip>
    <value>1484</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LILLY ELI &amp; CO              COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>532457108</cusip>
    <value>640454</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13032</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12006</Sole>
      <Shared>0</Shared>
      <None>1026</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LILLY ELI &amp; CO              COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>532457108</cusip>
    <value>18865</value>
    <shrsOrPrnAmt>
      <sshPrnamt>374</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>374</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LINDSAY CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>535555106</cusip>
    <value>15494</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LINEAR TECHNOLOGY CORP      COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>535678106</cusip>
    <value>26656</value>
    <shrsOrPrnAmt>
      <sshPrnamt>710</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>710</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LINN ENERGY</nameOfIssuer>
    <titleOfClass>PARTNERSHIPS</titleOfClass>
    <cusip>536020100</cusip>
    <value>23792</value>
    <shrsOrPrnAmt>
      <sshPrnamt>702</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>702</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LOCKHEED MARTIN CORP        COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>539830109</cusip>
    <value>229996</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2116</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2041</Sole>
      <Shared>0</Shared>
      <None>75</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LOCKHEED MARTIN CORP        COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>539830109</cusip>
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    <cusip>548661107</cusip>
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      <sshPrnamt>18714</sshPrnamt>
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    <votingAuthority>
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      <None>2845</None>
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    <nameOfIssuer>MDU RES GROUP INC           COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>552690109</cusip>
    <value>13450</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
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    <votingAuthority>
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      <None>0</None>
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    <cusip>552690109</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>875</sshPrnamt>
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    <nameOfIssuer>MACYS INC COM</nameOfIssuer>
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    <cusip>55616P104</cusip>
    <value>46580</value>
    <shrsOrPrnAmt>
      <sshPrnamt>960</sshPrnamt>
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      <Sole>960</Sole>
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      <None>0</None>
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    <nameOfIssuer>MAGELLAN MIDSTREAM LP</nameOfIssuer>
    <titleOfClass>PARTNERSHIPS</titleOfClass>
    <cusip>559080106</cusip>
    <value>44100</value>
    <shrsOrPrnAmt>
      <sshPrnamt>800</sshPrnamt>
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    <votingAuthority>
      <Sole>800</Sole>
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      <None>0</None>
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    <nameOfIssuer>MAGNA INTL INC              CL A ADR</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>559222401</cusip>
    <value>38958</value>
    <shrsOrPrnAmt>
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    <nameOfIssuer>MANACHIP SEMICONDUCTOR</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>55933J203</cusip>
    <value>58964</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3200</sshPrnamt>
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    <nameOfIssuer>MANULIFE FINL CORP COM</nameOfIssuer>
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    <cusip>56501R106</cusip>
    <value>21133</value>
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      <sshPrnamt>1288</sshPrnamt>
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    <votingAuthority>
      <Sole>1288</Sole>
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    <nameOfIssuer>MARATHON OIL CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>565849106</cusip>
    <value>7414</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
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      <Sole>200</Sole>
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    <nameOfIssuer>MARATHON PETE CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>56585A102</cusip>
    <value>731972</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10295</sshPrnamt>
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    <votingAuthority>
      <Sole>9634</Sole>
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      <None>661</None>
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    <nameOfIssuer>MARATHON PETE CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>56585A102</cusip>
    <value>2631</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30</sshPrnamt>
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    <nameOfIssuer>MARKET VECOTRS COAL ETF</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>57060U837</cusip>
    <value>32940</value>
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      <sshPrnamt>1838</sshPrnamt>
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      <Sole>1838</Sole>
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    <nameOfIssuer>MARRIOTT VACATIONS WORLDWIDE</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>57164Y107</cusip>
    <value>4823</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>100</Sole>
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      <None>0</None>
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    <nameOfIssuer>MARRIOTT INTL INC NEW  CLA</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>571903202</cusip>
    <value>41223</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1009</sshPrnamt>
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    <votingAuthority>
      <Sole>1009</Sole>
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      <None>0</None>
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    <nameOfIssuer>MARRIOTT INTL INC NEW  CLA</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>571903202</cusip>
    <value>64793</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1593</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>1593</Sole>
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    <nameOfIssuer>MASTERCARD INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>57636Q104</cusip>
    <value>26352</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>45</Sole>
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      <None>0</None>
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    <nameOfIssuer>MATTEL INC                  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>577081102</cusip>
    <value>116040</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2550</sshPrnamt>
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    <votingAuthority>
      <Sole>2550</Sole>
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    <nameOfIssuer>MATTEL INC                  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>577081102</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>1080</sshPrnamt>
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    <votingAuthority>
      <Sole>1080</Sole>
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    <nameOfIssuer>MAXIM INTEGRATED PRODS INC  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>57772K101</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>15867</sshPrnamt>
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    <votingAuthority>
      <Sole>15787</Sole>
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    <nameOfIssuer>MAXIM INTEGRATED PRODS INC  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>57772K101</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>299</sshPrnamt>
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    <nameOfIssuer>MAXUMUS INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>577933104</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>640</sshPrnamt>
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      <Sole>640</Sole>
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    <nameOfIssuer>MCDONALDS CORP              COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>580135101</cusip>
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    <nameOfIssuer>MCDONALDS CORP              COM</nameOfIssuer>
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    <cusip>580135101</cusip>
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    <nameOfIssuer>MCKESSON CORPORATION        COM</nameOfIssuer>
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    <cusip>58155Q103</cusip>
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      <sshPrnamt>7334</sshPrnamt>
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    <nameOfIssuer>MCKESSON CORPORATION        COM</nameOfIssuer>
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    <cusip>58155Q103</cusip>
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    <nameOfIssuer>MEDTRONIC INC               COM</nameOfIssuer>
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    <cusip>585055106</cusip>
    <value>8217</value>
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      <sshPrnamt>150</sshPrnamt>
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      <Sole>150</Sole>
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    <nameOfIssuer>MENTOR GRAPHICS CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>587200106</cusip>
    <value>12224</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
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      <Sole>600</Sole>
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    <nameOfIssuer>MERCK &amp; CO INC NEW COM</nameOfIssuer>
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    <cusip>58933Y105</cusip>
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    <nameOfIssuer>MERCK &amp; CO INC NEW COM</nameOfIssuer>
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    <cusip>58933Y105</cusip>
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      <sshPrnamt>471</sshPrnamt>
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      <Sole>471</Sole>
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    <nameOfIssuer>METLIFE INC                 COM</nameOfIssuer>
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    <cusip>59156R108</cusip>
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    <votingAuthority>
      <Sole>33247</Sole>
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    <nameOfIssuer>METLIFE INC                 COM</nameOfIssuer>
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    <cusip>59156R108</cusip>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <nameOfIssuer>MEXICO EQUITY &amp; INCOME FUND</nameOfIssuer>
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    <cusip>592834105</cusip>
    <value>3147</value>
    <shrsOrPrnAmt>
      <sshPrnamt>172</sshPrnamt>
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      <Sole>172</Sole>
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    <nameOfIssuer>MEXICO FD INC               COM</nameOfIssuer>
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    <nameOfIssuer>MICROSOFT CORP              COM</nameOfIssuer>
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    <cusip>594918104</cusip>
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      <sshPrnamt>88462</sshPrnamt>
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      <Sole>82221</Sole>
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    <nameOfIssuer>MICROSOFT CORP              COM</nameOfIssuer>
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    <cusip>594918104</cusip>
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      <Sole>3314</Sole>
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    <nameOfIssuer>MICROVISION INC DEL COM NEW</nameOfIssuer>
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    <cusip>594960304</cusip>
    <value>313</value>
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      <sshPrnamt>125</sshPrnamt>
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      <Sole>125</Sole>
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    <nameOfIssuer>MICROCHIP TECHNOLOGY INC    COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>595017104</cusip>
    <value>642313</value>
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      <sshPrnamt>17230</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>17155</Sole>
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  <infoTable>
    <nameOfIssuer>MICROCHIP TECHNOLOGY INC    COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>595017104</cusip>
    <value>47993</value>
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      <sshPrnamt>1275</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1275</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MOBIL MINI INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>60740F105</cusip>
    <value>43913</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1310</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1310</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONDELEZ INTERNATIONAL INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>609207105</cusip>
    <value>153650</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5370</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5370</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONDELEZ INTERNATIONAL INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>609207105</cusip>
    <value>74652</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MONSANTO CO (NEW)</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>61166W101</cusip>
    <value>143760</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1400</Sole>
      <Shared>0</Shared>
      <None>50</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONSTER BEVERAGE CORP COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>611740101</cusip>
    <value>35781</value>
    <shrsOrPrnAmt>
      <sshPrnamt>580</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>580</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MORGAN STANLEY              DISCOVER &amp; CO</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>617446448</cusip>
    <value>13594</value>
    <shrsOrPrnAmt>
      <sshPrnamt>536</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>536</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MURPHY OIL CORP             COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>626717102</cusip>
    <value>114649</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1875</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1875</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NBT BANCORP INC             COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>628778102</cusip>
    <value>2057672</value>
    <shrsOrPrnAmt>
      <sshPrnamt>97220</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>35210</Sole>
      <Shared>0</Shared>
      <None>62010</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NBT BANCORP INC             COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>628778102</cusip>
    <value>184824</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8711</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>8711</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NATIONAL INSTRUMENTS CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>636518102</cusip>
    <value>35133</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1240</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1240</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NATIONAL OILWELL VARCO INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>637071101</cusip>
    <value>1121811</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16276</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>15138</Sole>
      <Shared>0</Shared>
      <None>1138</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NATIONAL OILWELL VARCO INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>637071101</cusip>
    <value>6148</value>
    <shrsOrPrnAmt>
      <sshPrnamt>82</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>82</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEOGEN CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>640491106</cusip>
    <value>43836</value>
    <shrsOrPrnAmt>
      <sshPrnamt>780</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>780</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEWMONT MIN CO (HOLD CO)    COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>651639106</cusip>
    <value>15475</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEXTERA ENERGY INC COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>65339F101</cusip>
    <value>469766</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5760</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5760</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NIKE INC                    CL B</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>654106103</cusip>
    <value>1685082</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26455</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>24059</Sole>
      <Shared>0</Shared>
      <None>2396</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NIKE INC                    CL B</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>654106103</cusip>
    <value>46030</value>
    <shrsOrPrnAmt>
      <sshPrnamt>715</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>715</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORFOLK SOUTHERN CORP       COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>655844108</cusip>
    <value>73149</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NOVARTIS AG SPNSRD ADR</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>66987V109</cusip>
    <value>92054</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1295</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1295</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUCOR CORP                  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>670346105</cusip>
    <value>75207</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1725</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1725</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUCOR CORP                  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>670346105</cusip>
    <value>3315</value>
    <shrsOrPrnAmt>
      <sshPrnamt>65</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>65</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUVEEN NY PERFORMANCE PLUS  MUNI INC</nameOfIssuer>
    <titleOfClass>MUNICIPAL BONDS-MUTUAL FDS</titleOfClass>
    <cusip>67062R104</cusip>
    <value>67798</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NVIDIA CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>67066G104</cusip>
    <value>824102</value>
    <shrsOrPrnAmt>
      <sshPrnamt>58666</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>55431</Sole>
      <Shared>0</Shared>
      <None>3235</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NVIDIA CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>67066G104</cusip>
    <value>2606</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUVEEN NY MUNI</nameOfIssuer>
    <titleOfClass>MUNICIPAL BONDS-MUTUAL FDS</titleOfClass>
    <cusip>67066X107</cusip>
    <value>7827</value>
    <shrsOrPrnAmt>
      <sshPrnamt>526</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>526</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUVEEN INTER DURATION</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>670671106</cusip>
    <value>13310</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUVEEN ENERGY MLP TOTAL RET</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>67074U103</cusip>
    <value>1490</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>45</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUVEEN REAL ASSET INCOME</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>67074Y105</cusip>
    <value>19200</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OCCIDENTAL PETE CORP DEL    COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>674599105</cusip>
    <value>27269</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OCLARO INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>67555N206</cusip>
    <value>1376</value>
    <shrsOrPrnAmt>
      <sshPrnamt>750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ORACLE CORP                 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>68389X105</cusip>
    <value>1503867</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48972</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>45883</Sole>
      <Shared>0</Shared>
      <None>3089</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ORACLE CORP                 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>68389X105</cusip>
    <value>112923</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3662</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3662</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PG&amp;E CORP                   COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>69331C108</cusip>
    <value>50974</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1104</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1104</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PG&amp;E CORP                   COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>69331C108</cusip>
    <value>8501</value>
    <shrsOrPrnAmt>
      <sshPrnamt>175</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>175</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PNC FINL SVCS GROUP INC     COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>693475105</cusip>
    <value>549221</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7525</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7525</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACIFIC COAST OIL TR</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>694103102</cusip>
    <value>9510</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PALL CORP                   COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>696429307</cusip>
    <value>37033</value>
    <shrsOrPrnAmt>
      <sshPrnamt>550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>550</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PARKER HANNIFIN CORP        COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>701094104</cusip>
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    <nameOfIssuer>PAYCHEX INC                 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>704326107</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>6220</sshPrnamt>
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    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>707887105</cusip>
    <value>5790</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
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    <votingAuthority>
      <Sole>500</Sole>
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      <None>0</None>
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    <nameOfIssuer>PEPSICO INC                 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>713448108</cusip>
    <value>1522408</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18608</sshPrnamt>
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      <None>1335</None>
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    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>713448108</cusip>
    <value>90469</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1100</sshPrnamt>
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    <nameOfIssuer>PFIZER INC                  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>717081103</cusip>
    <value>2634264</value>
    <shrsOrPrnAmt>
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      <None>16229</None>
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    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>717081103</cusip>
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      <sshPrnamt>9245</sshPrnamt>
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    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>718172109</cusip>
    <value>1011572</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11673</sshPrnamt>
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      <Sole>11663</Sole>
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      <None>10</None>
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    <nameOfIssuer>PHILIP MORRIS INTERNATIONAL INC COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>718172109</cusip>
    <value>51171</value>
    <shrsOrPrnAmt>
      <sshPrnamt>585</sshPrnamt>
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      <Sole>585</Sole>
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      <None>0</None>
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    <nameOfIssuer>PHILLIPS 66 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>718546104</cusip>
    <value>120418</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2036</sshPrnamt>
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      <Sole>1819</Sole>
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      <None>217</None>
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    <nameOfIssuer>PIEDMONT NATURAL GAS CO</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>720186105</cusip>
    <value>11698</value>
    <shrsOrPrnAmt>
      <sshPrnamt>332</sshPrnamt>
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    <votingAuthority>
      <Sole>332</Sole>
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      <None>0</None>
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    <nameOfIssuer>PLUM CREEK TIMBER CO INC    COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>729251108</cusip>
    <value>70490</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1500</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1500</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PORTLAND GEN ELECTRIC CO</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>736508847</cusip>
    <value>31090</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1000</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>POWER INTEGRATIONS INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>739276103</cusip>
    <value>27066</value>
    <shrsOrPrnAmt>
      <sshPrnamt>655</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>655</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PWRSHS QQQ TR UN SER 1 - ETF</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>73935A104</cusip>
    <value>25943</value>
    <shrsOrPrnAmt>
      <sshPrnamt>357</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>357</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>POWERSHARES EXCHANGE</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>73935X195</cusip>
    <value>50085</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4545</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4545</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>POWER SHARES GOLDEN DRAGON  USX CHINA - ETF</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>73935X401</cusip>
    <value>58963</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2780</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2780</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>POWERSHARES SENIOR LOAN ETF</nameOfIssuer>
    <titleOfClass>SHORT-TERM BOND-ETF</titleOfClass>
    <cusip>73936Q769</cusip>
    <value>395262</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>15950</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>POWERSHARES PFD - ETF</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>73936T565</cusip>
    <value>3937170</value>
    <shrsOrPrnAmt>
      <sshPrnamt>275874</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>273184</Sole>
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      <None>2690</None>
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  <infoTable>
    <nameOfIssuer>POWERSHARES PFD - ETF</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>73936T565</cusip>
    <value>116598</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8136</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>8136</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>POWER SHS S&amp;P 500 -ETF</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>73937B779</cusip>
    <value>15277617</value>
    <shrsOrPrnAmt>
      <sshPrnamt>491083</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>487735</Sole>
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      <None>3074</None>
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  <infoTable>
    <nameOfIssuer>POWER SHS S&amp;P 500 -ETF</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>73937B779</cusip>
    <value>116132</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3717</sshPrnamt>
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    <votingAuthority>
      <Sole>3717</Sole>
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    </votingAuthority>
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    <nameOfIssuer>PRAXAIR INC                 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>74005P104</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>210</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>210</Sole>
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      <None>0</None>
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    <nameOfIssuer>PRECISION CASTPARTS CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>740189105</cusip>
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      <sshPrnamt>6404</sshPrnamt>
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    <votingAuthority>
      <Sole>5874</Sole>
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      <None>530</None>
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    <nameOfIssuer>PRECISION CASTPARTS CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>740189105</cusip>
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      <sshPrnamt>373</sshPrnamt>
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      <Sole>373</Sole>
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      <None>0</None>
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    <nameOfIssuer>PRICE T ROWE &amp; ASSOCIATES   COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>74144T108</cusip>
    <value>117620</value>
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      <sshPrnamt>1600</sshPrnamt>
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      <Sole>1600</Sole>
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  <infoTable>
    <nameOfIssuer>PRICE T ROWE &amp; ASSOCIATES   COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>74144T108</cusip>
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      <sshPrnamt>589</sshPrnamt>
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      <Sole>589</Sole>
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    <nameOfIssuer>PRICELINE COM INC</nameOfIssuer>
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    <cusip>741503403</cusip>
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      <sshPrnamt>1094</sshPrnamt>
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      <Sole>1036</Sole>
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    <nameOfIssuer>PRICELINE COM INC</nameOfIssuer>
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    <cusip>741503403</cusip>
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      <sshPrnamt>3</sshPrnamt>
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    <cusip>742718109</cusip>
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      <sshPrnamt>39073</sshPrnamt>
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      <Sole>36475</Sole>
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      <None>2598</None>
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    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>742718109</cusip>
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      <sshPrnamt>1643</sshPrnamt>
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      <Sole>1643</Sole>
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    <nameOfIssuer>PROTO LABS INC</nameOfIssuer>
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    <cusip>743713109</cusip>
    <value>30061</value>
    <shrsOrPrnAmt>
      <sshPrnamt>455</sshPrnamt>
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      <Sole>455</Sole>
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      <None>0</None>
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    <nameOfIssuer>PRUDENTIAL FINANCIAL INC    COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>744320102</cusip>
    <value>28251</value>
    <shrsOrPrnAmt>
      <sshPrnamt>380</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>380</Sole>
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    <nameOfIssuer>PUBLIC SVC ENTERPRISE GROUP COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>744573106</cusip>
    <value>995992</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30491</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>30329</Sole>
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      <None>162</None>
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    <nameOfIssuer>PUBLIC SVC ENTERPRISE GROUP COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>744573106</cusip>
    <value>16169</value>
    <shrsOrPrnAmt>
      <sshPrnamt>480</sshPrnamt>
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    <votingAuthority>
      <Sole>480</Sole>
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      <None>0</None>
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  </infoTable>
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    <nameOfIssuer>QEP RES INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>74733V100</cusip>
    <value>38128</value>
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      <sshPrnamt>1355</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1355</Sole>
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      <None>0</None>
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  </infoTable>
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    <nameOfIssuer>QUALCOMM INC                COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>747525103</cusip>
    <value>382309</value>
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      <sshPrnamt>6250</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6250</Sole>
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      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>QUALCOMM INC                COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>747525103</cusip>
    <value>87552</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1425</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1425</Sole>
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      <None>0</None>
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    <nameOfIssuer>QUESTCOR PHARMACEUTICALS INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>74835Y101</cusip>
    <value>61376</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1340</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1340</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>QUESTAR CORP                COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>748356102</cusip>
    <value>33160</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1370</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1370</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>RF MICRODEVICES INC         COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>749941100</cusip>
    <value>9044</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1600</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>RAYTHEON CO CLASS B         COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>755111507</cusip>
    <value>49421</value>
    <shrsOrPrnAmt>
      <sshPrnamt>740</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>740</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REYNOLDS AMERN INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>761713106</cusip>
    <value>269865</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5570</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5570</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>RIO TINTO PLC SPON ADR</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>767204100</cusip>
    <value>16928</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RITCHIE BROS INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>767744105</cusip>
    <value>22687</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1155</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1155</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ROCKWELL INTL CORP NEW      COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>773903109</cusip>
    <value>73653</value>
    <shrsOrPrnAmt>
      <sshPrnamt>880</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>880</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROCKWOOD HOLDINGS INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>774415103</cusip>
    <value>36991</value>
    <shrsOrPrnAmt>
      <sshPrnamt>570</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>570</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROPER INDUSTRIES INC. NEW</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>776696106</cusip>
    <value>12922</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ROPER INDUSTRIES INC. NEW</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>776696106</cusip>
    <value>28449</value>
    <shrsOrPrnAmt>
      <sshPrnamt>225</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>225</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROSS STORES INC             COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>778296103</cusip>
    <value>41005</value>
    <shrsOrPrnAmt>
      <sshPrnamt>625</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>625</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ROYAL BK SCOTLAND GROUP     PLC</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>780097796</cusip>
    <value>9858</value>
    <shrsOrPrnAmt>
      <sshPrnamt>441</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>441</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ROYAL DUTCH SHELL PLC       SPON ADR B</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>780259107</cusip>
    <value>111170</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1670</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1670</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROYAL DUTCH PETE CO</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>780259206</cusip>
    <value>217703</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3405</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>375</Sole>
      <Shared>0</Shared>
      <None>3030</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>S &amp; P DEP RECEIPTS - ETF</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>78462F103</cusip>
    <value>42369</value>
    <shrsOrPrnAmt>
      <sshPrnamt>261</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>261</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR GOLD TRUST             GOLD SHS - ETF</nameOfIssuer>
    <titleOfClass>ALTERNATIVES-ETF</titleOfClass>
    <cusip>78463V107</cusip>
    <value>294104</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2465</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2465</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BARCLAYS CAPITAL INTL - ETF</nameOfIssuer>
    <titleOfClass>INTERNATIONAL BOND-ETF</titleOfClass>
    <cusip>78464A516</cusip>
    <value>6127</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SR TR BARCLAYS - ETF</nameOfIssuer>
    <titleOfClass>SHORT-TERM BOND-ETF</titleOfClass>
    <cusip>78464A680</cusip>
    <value>24448</value>
    <shrsOrPrnAmt>
      <sshPrnamt>523</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>523</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S &amp; P DIVIDEND - ETF</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>78464A763</cusip>
    <value>542420</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8175</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8175</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>SPDR DOW JONES INDL AVG- ETF</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>78467X109</cusip>
    <value>26941</value>
    <shrsOrPrnAmt>
      <sshPrnamt>178</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>178</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SALESFORCE COM INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>79466L302</cusip>
    <value>17910</value>
    <shrsOrPrnAmt>
      <sshPrnamt>456</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>456</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SANOFI-AVENTIS</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>80105N105</cusip>
    <value>15950</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>300</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>SCANA CORP NEW              COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>80589M102</cusip>
    <value>5409</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>SCHLUMBERGER LTD            COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>806857108</cusip>
    <value>150963</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2100</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>SCHLUMBERGER LTD            COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>806857108</cusip>
    <value>159562</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2220</sshPrnamt>
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      <None>70</None>
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  <infoTable>
    <nameOfIssuer>SCHWAB CHARLES CORP NEW     COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>808513105</cusip>
    <value>50091</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2337</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2337</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>SCIQUEST INC NEW</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>80908T101</cusip>
    <value>26040</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1020</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1020</Sole>
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      <None>0</None>
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    <nameOfIssuer>SELECTIVE INS GRP INC       C/C</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>816300107</cusip>
    <value>33602</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1438</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1438</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>SIGMA ALDRICH CORP          COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>826552101</cusip>
    <value>393577</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4888</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4843</Sole>
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      <None>45</None>
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  <infoTable>
    <nameOfIssuer>SIGMA ALDRICH CORP          COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>826552101</cusip>
    <value>57196</value>
    <shrsOrPrnAmt>
      <sshPrnamt>705</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>705</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SIMON PPTY GROUP INC NEW</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>828806109</cusip>
    <value>58140</value>
    <shrsOrPrnAmt>
      <sshPrnamt>365</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>365</None>
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  </infoTable>
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    <nameOfIssuer>SOUTHERN COMPANY</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>842587107</cusip>
    <value>188440</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4259</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4259</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>SOUTHERN COMPANY</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>842587107</cusip>
    <value>23668</value>
    <shrsOrPrnAmt>
      <sshPrnamt>525</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>525</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHERN COPPER CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>84265V105</cusip>
    <value>132695</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4788</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4788</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SOUTHWESTERN ENERGY CO      COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>845467109</cusip>
    <value>224914</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6145</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6145</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>SPECTRA ENERGY CORP COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>847560109</cusip>
    <value>30298</value>
    <shrsOrPrnAmt>
      <sshPrnamt>865</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>865</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPECTRA ENERGY CORP COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>847560109</cusip>
    <value>3945</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
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    <nameOfIssuer>SPROTT PHYSICAL PLATINUM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
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    <cusip>855244109</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>715</sshPrnamt>
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      <None>1145</None>
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    <cusip>858912108</cusip>
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    <votingAuthority>
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    <cusip>863667101</cusip>
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      <sshPrnamt>10626</sshPrnamt>
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    <votingAuthority>
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    <cusip>863667101</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>1008</sshPrnamt>
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    <nameOfIssuer>SUFFOLK BANCORP             COM</nameOfIssuer>
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      <sshPrnamt>3244</sshPrnamt>
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    <cusip>86722A103</cusip>
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      <sshPrnamt>571</sshPrnamt>
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      <None>0</None>
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    <cusip>870875101</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
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    <votingAuthority>
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    <cusip>871503108</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>2000</sshPrnamt>
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    <nameOfIssuer>SYNGENTA AG SPONS ADR</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>87160A100</cusip>
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      <sshPrnamt>200</sshPrnamt>
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      <Sole>200</Sole>
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    <cusip>871829107</cusip>
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      <sshPrnamt>7440</sshPrnamt>
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      <Sole>7440</Sole>
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      <sshPrnamt>85</sshPrnamt>
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    <cusip>872375100</cusip>
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      <sshPrnamt>55933</sshPrnamt>
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    <votingAuthority>
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    <nameOfIssuer>TJX COS INC NEW             COM</nameOfIssuer>
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    <cusip>872540109</cusip>
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      <sshPrnamt>30823</sshPrnamt>
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      <sshPrnamt>1663</sshPrnamt>
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    <nameOfIssuer>TEVA PHARMA INDS ADR</nameOfIssuer>
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      <sshPrnamt>3535</sshPrnamt>
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    <nameOfIssuer>TIME WARNER INC NEW COM NEW</nameOfIssuer>
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    <nameOfIssuer>TORONTO DOMINION BK ONT     COM NEW ADR</nameOfIssuer>
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    <cusip>89417E109</cusip>
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    <cusip>902494103</cusip>
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    <cusip>902748102</cusip>
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    <cusip>902973304</cusip>
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    <cusip>902973304</cusip>
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    <cusip>90385D107</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>485</sshPrnamt>
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    <cusip>904784709</cusip>
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    <cusip>907818108</cusip>
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    <cusip>911163103</cusip>
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      <sshPrnamt>330</sshPrnamt>
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    <cusip>911312106</cusip>
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      <sshPrnamt>2745</sshPrnamt>
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    <cusip>911312106</cusip>
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    <nameOfIssuer>UTD ST COMMODITY INDX - ETF</nameOfIssuer>
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    <cusip>911717106</cusip>
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      <Sole>140</Sole>
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    <cusip>913017109</cusip>
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    <nameOfIssuer>VANGUARD TAX MANAGED INTL FDFTSE DEV MKT ETF</nameOfIssuer>
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    <nameOfIssuer>W P CAREY INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>92936U109</cusip>
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    <nameOfIssuer>WALMART STORES INC          COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>931142103</cusip>
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      <sshPrnamt>9961</sshPrnamt>
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    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>931142103</cusip>
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    <nameOfIssuer>WALGREEN CO                 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>931422109</cusip>
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    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>931422109</cusip>
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    <nameOfIssuer>WATTS WATER TECHNOLOGIES</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>942749102</cusip>
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      <sshPrnamt>175</sshPrnamt>
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      <None>0</None>
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    <nameOfIssuer>WELLS FARGO &amp; CO NEW        COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>949746101</cusip>
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      <None>3556</None>
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    <nameOfIssuer>WELLS FARGO &amp; CO NEW        COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>949746101</cusip>
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      <sshPrnamt>1600</sshPrnamt>
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      <Sole>1600</Sole>
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      <None>0</None>
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    <nameOfIssuer>WESTERN DIGITAL CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>958102105</cusip>
    <value>10123</value>
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      <sshPrnamt>155</sshPrnamt>
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      <Sole>155</Sole>
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      <None>0</None>
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    <nameOfIssuer>WHOLE FOODS MARKET INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>966837106</cusip>
    <value>122123</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2363</sshPrnamt>
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      <Sole>2363</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>WILLIAMS-SONOMA INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>969904101</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>935</sshPrnamt>
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      <Sole>935</Sole>
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      <None>0</None>
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    <nameOfIssuer>WISDOMTREE DEVL EMG MKT ETF</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>97717W133</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
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    <votingAuthority>
      <Sole>1000</Sole>
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      <None>0</None>
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    <nameOfIssuer>WISDOMTREE EMERGING MKTS    SMALL CAP ETF</nameOfIssuer>
    <titleOfClass>EMERGING MARKETS-ETF</titleOfClass>
    <cusip>97717W281</cusip>
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    <shrsOrPrnAmt>
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      <None>5207</None>
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    <nameOfIssuer>WISDOMTREE EMERGING MKTS    SMALL CAP ETF</nameOfIssuer>
    <titleOfClass>EMERGING MARKETS-ETF</titleOfClass>
    <cusip>97717W281</cusip>
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      <sshPrnamt>1718</sshPrnamt>
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    <votingAuthority>
      <Sole>1718</Sole>
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      <None>0</None>
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    <nameOfIssuer>WISDOM TREE EMG MKTS EQ ETF</nameOfIssuer>
    <titleOfClass>EMERGING MARKETS-ETF</titleOfClass>
    <cusip>97717W315</cusip>
    <value>15283067</value>
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      <sshPrnamt>316226</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>307964</Sole>
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      <None>8191</None>
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    <nameOfIssuer>WISDOM TREE EMG MKTS EQ ETF</nameOfIssuer>
    <titleOfClass>EMERGING MARKETS-ETF</titleOfClass>
    <cusip>97717W315</cusip>
    <value>111749</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2302</sshPrnamt>
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    <votingAuthority>
      <Sole>2302</Sole>
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      <None>0</None>
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    <nameOfIssuer>WISDOMTREE TR DIV EX        FINLS ETF</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>97717W406</cusip>
    <value>15444</value>
    <shrsOrPrnAmt>
      <sshPrnamt>240</sshPrnamt>
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    <votingAuthority>
      <Sole>240</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>97717W422</cusip>
    <value>39631</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2417</sshPrnamt>
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    <votingAuthority>
      <Sole>2417</Sole>
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      <None>0</None>
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    <nameOfIssuer>WISDOMTREE TR EMERG MKT ETF</nameOfIssuer>
    <titleOfClass>EMERGING MARKETS-ETF</titleOfClass>
    <cusip>97717X867</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>5030</sshPrnamt>
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      <Sole>5030</Sole>
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      <None>0</None>
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    <nameOfIssuer>XEROX CORP                  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>984121103</cusip>
    <value>15519</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1656</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1656</Sole>
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      <None>0</None>
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    <nameOfIssuer>XYLEM INC</nameOfIssuer>
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    <cusip>98419M100</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>2600</sshPrnamt>
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    <votingAuthority>
      <Sole>2600</Sole>
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      <None>0</None>
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    <nameOfIssuer>ZIMMER HLDGS INC            COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>98956P102</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>890</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>890</Sole>
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      <None>0</None>
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    <nameOfIssuer>ZIONS BANCORPORATION        COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>989701107</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>115</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>115</Sole>
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      <None>0</None>
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</informationTable>
