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    <nameOfIssuer>ABENGOA YIELD PLC           ORD SHS</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>G00349103</cusip>
    <value>3</value>
    <shrsOrPrnAmt>
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    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ACTAVIS PLC                 SHS</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>G0083B108</cusip>
    <value>88</value>
    <shrsOrPrnAmt>
      <sshPrnamt>297</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>297</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ACTAVIS PLC                 SHS</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>G0083B108</cusip>
    <value>53</value>
    <shrsOrPrnAmt>
      <sshPrnamt>179</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>179</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AON PLC                     SHS CL A</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>G0408V102</cusip>
    <value>55</value>
    <shrsOrPrnAmt>
      <sshPrnamt>577</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>577</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ACCENTURE PLC IRELAND       SHS CLASS A</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>G1151C101</cusip>
    <value>1348</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14388</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13725</Sole>
      <Shared>0</Shared>
      <None>663</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ACCENTURE PLC IRELAND       SHS CLASS A</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>G1151C101</cusip>
    <value>58</value>
    <shrsOrPrnAmt>
      <sshPrnamt>620</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>620</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>128</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1885</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1885</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>10</value>
    <shrsOrPrnAmt>
      <sshPrnamt>140</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>140</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EVEREST RE GROUP LTD        COM</nameOfIssuer>
    <titleOfClass>INTERNATIONAL-MUTUAL FD</titleOfClass>
    <cusip>G3223R108</cusip>
    <value>5</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>27</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INVESCO LTD                 SHS</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>G491BT108</cusip>
    <value>21</value>
    <shrsOrPrnAmt>
      <sshPrnamt>530</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>530</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC               SHS</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>G5960L103</cusip>
    <value>555</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7115</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7115</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MICHAEL KORS HLDGS LTD</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>G60754101</cusip>
    <value>262</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3990</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3990</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>PENTAIR PLC                 SHS</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>G7S00T104</cusip>
    <value>8</value>
    <shrsOrPrnAmt>
      <sshPrnamt>120</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>120</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>SEAGATE TECHNOLOGY PLC</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>G7945M107</cusip>
    <value>83</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1590</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1590</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>PERRIGO CO PLC              SHS</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>G97822103</cusip>
    <value>32</value>
    <shrsOrPrnAmt>
      <sshPrnamt>195</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>195</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
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    <nameOfIssuer>ACE LIMITED</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>H0023R105</cusip>
    <value>143</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1285</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1285</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GARMIN LTD</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>H2906T109</cusip>
    <value>212</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4455</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4455</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TE CONNECTIVITY LTD</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>H84989104</cusip>
    <value>79</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STRATASYS LTD</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>M85548101</cusip>
    <value>18</value>
    <shrsOrPrnAmt>
      <sshPrnamt>340</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>340</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>LYONDELLBASELL INDUSTRIES   N.V.</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>N53745100</cusip>
    <value>11</value>
    <shrsOrPrnAmt>
      <sshPrnamt>130</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>130</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MYLAN N V                   SHS EURO</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>N59465109</cusip>
    <value>6</value>
    <shrsOrPrnAmt>
      <sshPrnamt>102</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>102</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ABB LTD                     SPONSORED ADR</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>000375204</cusip>
    <value>7</value>
    <shrsOrPrnAmt>
      <sshPrnamt>339</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>339</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>96</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1495</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>470</Sole>
      <Shared>0</Shared>
      <None>1025</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALPS ETF TR                 ALERIAN MLP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>00162Q866</cusip>
    <value>2211</value>
    <shrsOrPrnAmt>
      <sshPrnamt>133544</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>130946</Sole>
      <Shared>0</Shared>
      <None>2598</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AT&amp;T INC                    COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>00206R102</cusip>
    <value>1943</value>
    <shrsOrPrnAmt>
      <sshPrnamt>59520</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>48468</Sole>
      <Shared>0</Shared>
      <None>11052</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AT&amp;T INC                    COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>00206R102</cusip>
    <value>93</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2840</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2840</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>419</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9050</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ABBOTT LABORATORIES         COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>002824100</cusip>
    <value>5</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>ABBVIE INC                  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>00287Y109</cusip>
    <value>2336</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39910</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>38314</Sole>
      <Shared>0</Shared>
      <None>1596</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ABBVIE INC                  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>00287Y109</cusip>
    <value>82</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1393</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1393</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ABERDEEN AUSTRAILIA         EQUITY FUND</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>003011103</cusip>
    <value>1</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>ACADIA RLTY TR</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>004239109</cusip>
    <value>33</value>
    <shrsOrPrnAmt>
      <sshPrnamt>939</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <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>1</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>ACUITY BRANDS INC           COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>00508Y102</cusip>
    <value>8</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>48</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ADOBE SYS INC               COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>00724F101</cusip>
    <value>16</value>
    <shrsOrPrnAmt>
      <sshPrnamt>218</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>218</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ADVANCED AUTO PARTS INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>00751Y106</cusip>
    <value>20</value>
    <shrsOrPrnAmt>
      <sshPrnamt>135</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>135</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>THE ADVISORY BOARD</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>00762W107</cusip>
    <value>52</value>
    <shrsOrPrnAmt>
      <sshPrnamt>970</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>970</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AECOM                       COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>00766T100</cusip>
    <value>21</value>
    <shrsOrPrnAmt>
      <sshPrnamt>675</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>675</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AETNA INC NEW               COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>00817Y108</cusip>
    <value>45</value>
    <shrsOrPrnAmt>
      <sshPrnamt>420</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>420</Sole>
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      <None>0</None>
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    <nameOfIssuer>AETNA INC NEW               COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>00817Y108</cusip>
    <value>85</value>
    <shrsOrPrnAmt>
      <sshPrnamt>800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>800</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>AIR PRODS &amp; CHEMS INC       COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>009158106</cusip>
    <value>51</value>
    <shrsOrPrnAmt>
      <sshPrnamt>335</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>335</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>ALCATEL-LUCENT ADR</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>013904305</cusip>
    <value>0</value>
    <shrsOrPrnAmt>
      <sshPrnamt>125</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>125</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <nameOfIssuer>ALIBABA GROUP HLDG LTD      SPONSORED ADS</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>01609W102</cusip>
    <value>21</value>
    <shrsOrPrnAmt>
      <sshPrnamt>249</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>249</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>ALLIANCE DATA SYSTEMS</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>018581108</cusip>
    <value>68</value>
    <shrsOrPrnAmt>
      <sshPrnamt>230</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>230</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <nameOfIssuer>ALLSTATE CORP               COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>020002101</cusip>
    <value>3</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>44</None>
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    <nameOfIssuer>ALLSTATE CORP               COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>020002101</cusip>
    <value>83</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1160</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>1160</Sole>
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      <None>0</None>
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    <nameOfIssuer>ALTRIA GROUP INC            COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>02209S103</cusip>
    <value>2797</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55923</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>54917</Sole>
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      <None>1006</None>
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    <nameOfIssuer>ALTRIA GROUP INC            COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>02209S103</cusip>
    <value>61</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1221</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1221</Sole>
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      <None>0</None>
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    <nameOfIssuer>AMAZON COM INC              COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>023135106</cusip>
    <value>19</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>50</Sole>
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      <None>0</None>
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    <nameOfIssuer>AMAZON COM INC              COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>023135106</cusip>
    <value>129</value>
    <shrsOrPrnAmt>
      <sshPrnamt>347</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>347</Sole>
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      <None>0</None>
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    <nameOfIssuer>AMERICA MOVIL SAB DE C V    SPON ADR L SHS</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>02364W105</cusip>
    <value>8</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>400</Sole>
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      <None>0</None>
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    <nameOfIssuer>AMERICAN AIRLS GROUP INC    COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>02376R102</cusip>
    <value>100</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1903</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1903</Sole>
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      <None>0</None>
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    <nameOfIssuer>AMERICAN EXPRESS CO         COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>025816109</cusip>
    <value>1422</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18198</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>16746</Sole>
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      <None>1452</None>
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    <nameOfIssuer>AMERICAN INTL GROUP INC     COM NEW</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>026874784</cusip>
    <value>5</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>AMERISOURCEBERGEN CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>00003073E</cusip>
    <value>102</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>
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    <nameOfIssuer>AMERIPRISE FINL INC COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>03076C106</cusip>
    <value>137</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1047</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1047</Sole>
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      <None>0</None>
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    <nameOfIssuer>AMGEN INC                   COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>031162100</cusip>
    <value>2829</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17697</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>15881</Sole>
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      <None>1816</None>
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  <infoTable>
    <nameOfIssuer>AMGEN INC                   COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>031162100</cusip>
    <value>77</value>
    <shrsOrPrnAmt>
      <sshPrnamt>480</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>480</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>AMPHENOL CORP NEW</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>032095101</cusip>
    <value>4</value>
    <shrsOrPrnAmt>
      <sshPrnamt>62</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>62</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ANADARKO PETE CORP          COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>032511107</cusip>
    <value>89</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1080</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1080</Sole>
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      <None>0</None>
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    <nameOfIssuer>ANADARKO PETE CORP          COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>032511107</cusip>
    <value>5</value>
    <shrsOrPrnAmt>
      <sshPrnamt>65</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>65</None>
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    <nameOfIssuer>ANALOG DEVICES INC          COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>032654105</cusip>
    <value>16</value>
    <shrsOrPrnAmt>
      <sshPrnamt>250</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>250</Sole>
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      <None>0</None>
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    <nameOfIssuer>ANHEUSER BUSCH INBEV SA/NV  SPONSORED ADR</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>03524A108</cusip>
    <value>1484</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12171</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11136</Sole>
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      <None>1035</None>
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    <nameOfIssuer>ANNALY MTG MGMT INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>035710409</cusip>
    <value>103</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9920</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9920</Sole>
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      <None>0</None>
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    <nameOfIssuer>ANSYS INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>03662Q105</cusip>
    <value>44</value>
    <shrsOrPrnAmt>
      <sshPrnamt>494</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>494</Sole>
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      <None>0</None>
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    <nameOfIssuer>ANTHEM INC                  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>036752103</cusip>
    <value>77</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>
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    <nameOfIssuer>APACHE CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>037411105</cusip>
    <value>28</value>
    <shrsOrPrnAmt>
      <sshPrnamt>468</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>368</Sole>
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      <None>100</None>
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    <nameOfIssuer>APPLE INC                   COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>037833100</cusip>
    <value>5450</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>41594</Sole>
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      <None>2206</None>
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  <infoTable>
    <nameOfIssuer>APPLE INC                   COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>037833100</cusip>
    <value>424</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3405</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3405</Sole>
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      <None>0</None>
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    <nameOfIssuer>APPLIED MATLS INC           COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>038222105</cusip>
    <value>27</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1200</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1200</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>APPLIED MATLS INC           COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>038222105</cusip>
    <value>7</value>
    <shrsOrPrnAmt>
      <sshPrnamt>298</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>298</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>ARCH COAL INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>039380100</cusip>
    <value>0</value>
    <shrsOrPrnAmt>
      <sshPrnamt>274</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>274</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ARCHER DANIELS MIDLAND CO   COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>039483102</cusip>
    <value>909</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19185</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>18800</Sole>
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      <None>385</None>
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  <infoTable>
    <nameOfIssuer>ARCHER DANIELS MIDLAND CO   COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>039483102</cusip>
    <value>15</value>
    <shrsOrPrnAmt>
      <sshPrnamt>310</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>310</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ARGAN INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>04010E109</cusip>
    <value>22</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>600</Sole>
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      <None>0</None>
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    <nameOfIssuer>ARM HOLDINGS PLC ADR</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>042068106</cusip>
    <value>5</value>
    <shrsOrPrnAmt>
      <sshPrnamt>107</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>107</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ARRIS GROUP INC NEW         COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>04270V106</cusip>
    <value>35</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1215</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1215</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ASBURY AUTOMOTIVE GROUP INC COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>043436104</cusip>
    <value>91</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASHLAND INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>044209104</cusip>
    <value>72</value>
    <shrsOrPrnAmt>
      <sshPrnamt>564</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>564</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ASTRAZENECA PLC             SPONSORED ADR</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>046353108</cusip>
    <value>246</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3597</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3597</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASTRAZENECA PLC             SPONSORED ADR</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>046353108</cusip>
    <value>15</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>ATHENAHEALTH INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>04685W103</cusip>
    <value>47</value>
    <shrsOrPrnAmt>
      <sshPrnamt>397</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>397</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AUTOMATIC DATA PROCESSING</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>053015103</cusip>
    <value>884</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10323</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9093</Sole>
      <Shared>0</Shared>
      <None>1230</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AUTOMATIC DATA PROCESSING</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>053015103</cusip>
    <value>107</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AUTONATION INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>05329W102</cusip>
    <value>13</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>AUTOZONE INC                COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>053332102</cusip>
    <value>1804</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2645</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2384</Sole>
      <Shared>0</Shared>
      <None>261</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AXION POWER</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>05460X208</cusip>
    <value>0</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1511</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1511</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>B &amp; G FOODS INC NEW CL A</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>05508R106</cusip>
    <value>3</value>
    <shrsOrPrnAmt>
      <sshPrnamt>111</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>111</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BCE INC COM NEW</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>05534B760</cusip>
    <value>72</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>BP AMOCO PLC                SPONSORED ADR</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>055622104</cusip>
    <value>15</value>
    <shrsOrPrnAmt>
      <sshPrnamt>377</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>377</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BT GROUP PLC ADR</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>05577E101</cusip>
    <value>7</value>
    <shrsOrPrnAmt>
      <sshPrnamt>103</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>103</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BALCHEM CORP                COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>057665200</cusip>
    <value>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>22</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BALL CORP                   COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>058498106</cusip>
    <value>81</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1140</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1140</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANCO BRADESCO S A          SP ADR PFD NEW</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>059460303</cusip>
    <value>5</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>BANK OF AMERICA CORPORATION COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>060505104</cusip>
    <value>297</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19290</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>19290</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BARRICK GOLD CORP           COM ADR</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>067901108</cusip>
    <value>20</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1830</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1830</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BAXTER INTL INC             COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>071813109</cusip>
    <value>1514</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22097</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>20215</Sole>
      <Shared>0</Shared>
      <None>1882</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BAXTER INTL INC             COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>071813109</cusip>
    <value>5</value>
    <shrsOrPrnAmt>
      <sshPrnamt>78</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>78</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BEACON ROOFING SUPPLY</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>073685109</cusip>
    <value>35</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1110</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1110</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BECTON DICKINSON &amp; CO       COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>075887109</cusip>
    <value>75</value>
    <shrsOrPrnAmt>
      <sshPrnamt>522</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>522</Sole>
      <Shared>0</Shared>
      <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>218</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>
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  <infoTable>
    <nameOfIssuer>BERKSHIRE HATHAWAY INC DEL  CL B NEW</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>084670702</cusip>
    <value>549</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3803</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2928</Sole>
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      <None>875</None>
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  <infoTable>
    <nameOfIssuer>BEST BUY INC                COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>086516101</cusip>
    <value>34</value>
    <shrsOrPrnAmt>
      <sshPrnamt>910</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>910</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>14</value>
    <shrsOrPrnAmt>
      <sshPrnamt>310</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>310</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BIG LOTS INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>089302103</cusip>
    <value>36</value>
    <shrsOrPrnAmt>
      <sshPrnamt>745</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>745</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BIOGEN INC                  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>09062X103</cusip>
    <value>81</value>
    <shrsOrPrnAmt>
      <sshPrnamt>192</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>192</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>BIOGEN INC                  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>09062X103</cusip>
    <value>8</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>19</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BLACKROCK, INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>09247X101</cusip>
    <value>622</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>
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  <infoTable>
    <nameOfIssuer>BOARDWALKE PIPELINE LP</nameOfIssuer>
    <titleOfClass>PARTNERSHIPS</titleOfClass>
    <cusip>096627104</cusip>
    <value>10</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>
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  <infoTable>
    <nameOfIssuer>BOEING CO                   COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>097023105</cusip>
    <value>538</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3588</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3588</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
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    <nameOfIssuer>BORG WARNER INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>099724106</cusip>
    <value>73</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1200</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>BORG WARNER INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>099724106</cusip>
    <value>77</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1271</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1271</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>BRANDYWINE RLTY TR          SH BEN INT NEW</nameOfIssuer>
    <titleOfClass>PREFERRED STOCK</titleOfClass>
    <cusip>105368203</cusip>
    <value>5</value>
    <shrsOrPrnAmt>
      <sshPrnamt>331</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>331</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>38</value>
    <shrsOrPrnAmt>
      <sshPrnamt>620</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>620</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>80</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <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>281</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4360</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4360</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>BRISTOL MYERS SQUIBB CO     COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>110122108</cusip>
    <value>101</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1570</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1570</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>BROADRIDGE FINL SOLUTIONS   INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>11133T103</cusip>
    <value>19</value>
    <shrsOrPrnAmt>
      <sshPrnamt>350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BROOK AUTOMATION INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>114340102</cusip>
    <value>4</value>
    <shrsOrPrnAmt>
      <sshPrnamt>375</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>375</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BRUNSWICK CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>117043109</cusip>
    <value>5</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>CBS CORP NEW CL B</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>124857202</cusip>
    <value>31</value>
    <shrsOrPrnAmt>
      <sshPrnamt>518</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>518</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CBOE HLDGS INC              COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>12503M108</cusip>
    <value>9</value>
    <shrsOrPrnAmt>
      <sshPrnamt>162</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>162</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>CBRE GROUP INC CL A</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>12504L109</cusip>
    <value>48</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1245</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>1245</Sole>
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      <None>0</None>
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    <nameOfIssuer>CBRE GROUP INC CL A</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>12504L109</cusip>
    <value>68</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1755</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1755</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>CDK GLOBAL INC              COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>12508E101</cusip>
    <value>54</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1160</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1160</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CDK GLOBAL INC              COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>12508E101</cusip>
    <value>19</value>
    <shrsOrPrnAmt>
      <sshPrnamt>416</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>416</Sole>
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      <None>0</None>
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    <nameOfIssuer>CDW CORP                    COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>12514G108</cusip>
    <value>76</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2040</sshPrnamt>
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      <Sole>2040</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CF INDS HLDGS INC           COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>125269100</cusip>
    <value>739</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2606</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2575</Sole>
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      <None>31</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CME GROUP INC COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>12572Q105</cusip>
    <value>466</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4925</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4925</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CVS HEALTH CORP             COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>126650100</cusip>
    <value>346</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3357</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3357</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CVS HEALTH CORP             COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>126650100</cusip>
    <value>93</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                      COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>12673P105</cusip>
    <value>1630</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49982</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>49489</Sole>
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      <None>493</None>
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  <infoTable>
    <nameOfIssuer>CA INC                      COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>12673P105</cusip>
    <value>17</value>
    <shrsOrPrnAmt>
      <sshPrnamt>510</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>510</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CALGON CARBON CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>129603106</cusip>
    <value>24</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1150</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1150</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CALIFORNIA RES CORP         COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>13057Q107</cusip>
    <value>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>164</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>164</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CANADIAN PAC RY LTD</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>13645T100</cusip>
    <value>4</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22</sshPrnamt>
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      <Sole>22</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CAPITAL ONE FINL CORP       COM</nameOfIssuer>
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    <cusip>14040H105</cusip>
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      <sshPrnamt>13932</sshPrnamt>
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      <Sole>13141</Sole>
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    <nameOfIssuer>CARDINAL HEALTH INC         COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>14149Y108</cusip>
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      <sshPrnamt>14024</sshPrnamt>
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      <Sole>11901</Sole>
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  <infoTable>
    <nameOfIssuer>CARDINAL HEALTH INC         COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>14149Y108</cusip>
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      <sshPrnamt>1085</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>CARNIVAL CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>143658300</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
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    <votingAuthority>
      <Sole>100</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CATERPILLAR INC DEL         COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>149123101</cusip>
    <value>189</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2365</sshPrnamt>
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    <votingAuthority>
      <Sole>2365</Sole>
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  <infoTable>
    <nameOfIssuer>CATERPILLAR INC DEL         COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>149123101</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>350</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CELGENE CORP                COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>151020104</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>19216</sshPrnamt>
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      <Sole>18315</Sole>
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      <None>901</None>
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  <infoTable>
    <nameOfIssuer>CELGENE CORP                COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>151020104</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>443</sshPrnamt>
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      <Sole>443</Sole>
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  <infoTable>
    <nameOfIssuer>CENTENE CORP DEL            COM</nameOfIssuer>
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    <cusip>15135B101</cusip>
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      <sshPrnamt>790</sshPrnamt>
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      <Sole>790</Sole>
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  <infoTable>
    <nameOfIssuer>CENOVUS ENERGY INC          COM</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>15135U109</cusip>
    <value>2</value>
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      <sshPrnamt>100</sshPrnamt>
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      <Sole>100</Sole>
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      <None>0</None>
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    <nameOfIssuer>CENTERPOINT ENERGY INC      COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>15189T107</cusip>
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      <sshPrnamt>77364</sshPrnamt>
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      <Sole>74839</Sole>
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    <nameOfIssuer>CENTERPOINT ENERGY INC      COM</nameOfIssuer>
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    <cusip>15189T107</cusip>
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      <Sole>809</Sole>
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    <nameOfIssuer>DEPHEID</nameOfIssuer>
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    <cusip>15670R107</cusip>
    <value>96</value>
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      <Sole>1680</Sole>
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    <nameOfIssuer>CENTURYLINK INC             COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>156700106</cusip>
    <value>6</value>
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      <sshPrnamt>164</sshPrnamt>
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      <Sole>164</Sole>
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  <infoTable>
    <nameOfIssuer>CERNER CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>156782104</cusip>
    <value>36</value>
    <shrsOrPrnAmt>
      <sshPrnamt>495</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>495</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CERNER CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>156782104</cusip>
    <value>15</value>
    <shrsOrPrnAmt>
      <sshPrnamt>204</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>204</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CHANNELADVISOR CORP         COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>159179100</cusip>
    <value>7</value>
    <shrsOrPrnAmt>
      <sshPrnamt>755</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>755</Sole>
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      <None>0</None>
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    <nameOfIssuer>CHEMED CORP INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>16359R103</cusip>
    <value>48</value>
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    <cusip>16359R103</cusip>
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    <nameOfIssuer>CHEVRON CORP NEW            COM</nameOfIssuer>
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    <cusip>166764100</cusip>
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      <None>980</None>
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    <nameOfIssuer>CHEVRON CORP NEW            COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>166764100</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>225</sshPrnamt>
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    <nameOfIssuer>CHIPOLTE MEXICAN GRILL</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>169656105</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>35</sshPrnamt>
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    <cusip>171232101</cusip>
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      <Sole>4770</Sole>
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    <nameOfIssuer>CHURCH &amp; DWIGHT CO INC.</nameOfIssuer>
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    <cusip>171340102</cusip>
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    <cusip>17243V102</cusip>
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    <nameOfIssuer>CISCO SYS INC               COM</nameOfIssuer>
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    <cusip>17275R102</cusip>
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      <sshPrnamt>40121</sshPrnamt>
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    <votingAuthority>
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    <cusip>17275R102</cusip>
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      <sshPrnamt>1706</sshPrnamt>
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    <nameOfIssuer>CITIGROUP INC COM NEW</nameOfIssuer>
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    <cusip>172967424</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>123</sshPrnamt>
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    <cusip>177376100</cusip>
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      <sshPrnamt>111</sshPrnamt>
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    <nameOfIssuer>CLAYMORE EXCHANGE TRADED    CHINA ALL CP ETF</nameOfIssuer>
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    <cusip>18385P101</cusip>
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    <nameOfIssuer>CLOROX CO DEL               COM</nameOfIssuer>
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    <cusip>189054109</cusip>
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    <nameOfIssuer>CLOROX CO DEL               COM</nameOfIssuer>
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    <cusip>189054109</cusip>
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      <sshPrnamt>75</sshPrnamt>
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    <nameOfIssuer>COACH INC                   COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>189754104</cusip>
    <value>22</value>
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      <sshPrnamt>535</sshPrnamt>
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      <Sole>535</Sole>
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    <nameOfIssuer>COCA COLA CO                COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>191216100</cusip>
    <value>515</value>
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      <sshPrnamt>12695</sshPrnamt>
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      <Sole>12695</Sole>
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    <nameOfIssuer>COCA COLA CO                COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>191216100</cusip>
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      <sshPrnamt>150</sshPrnamt>
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    <nameOfIssuer>COCA COLA ENTERPRISES NEW</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>19122T109</cusip>
    <value>60</value>
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      <sshPrnamt>1360</sshPrnamt>
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    <nameOfIssuer>COGNIZANT TECHNOLOGY SOL</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>192446102</cusip>
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      <sshPrnamt>6952</sshPrnamt>
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    <nameOfIssuer>COLGATE PALMOLIVE CO        COM</nameOfIssuer>
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    <cusip>194162103</cusip>
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    <nameOfIssuer>COMCAST CORP NEW CL A</nameOfIssuer>
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    <cusip>20030N101</cusip>
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      <Sole>3663</Sole>
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    <nameOfIssuer>CONAGRA FOODS INC           COM</nameOfIssuer>
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    <cusip>205887102</cusip>
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    <nameOfIssuer>CONOCOPHILLIPS              COM</nameOfIssuer>
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    <cusip>20825C104</cusip>
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    <nameOfIssuer>CONOCOPHILLIPS              COM</nameOfIssuer>
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    <cusip>20825C104</cusip>
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      <sshPrnamt>163</sshPrnamt>
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    <nameOfIssuer>CONSOLIDATED EDISON INC</nameOfIssuer>
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    <cusip>209115104</cusip>
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      <sshPrnamt>1535</sshPrnamt>
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    <nameOfIssuer>CONSTELLATION BRANDS INC</nameOfIssuer>
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    <cusip>21036P108</cusip>
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      <sshPrnamt>910</sshPrnamt>
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    <nameOfIssuer>CORNING INC                 COM</nameOfIssuer>
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    <cusip>219350105</cusip>
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      <sshPrnamt>4400</sshPrnamt>
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    <nameOfIssuer>COSTCO WHSL CORP NEW        COM</nameOfIssuer>
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    <cusip>22160K105</cusip>
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    <nameOfIssuer>COSTCO WHSL CORP NEW        COM</nameOfIssuer>
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    <cusip>22160K105</cusip>
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      <sshPrnamt>1000</sshPrnamt>
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    <cusip>22160N109</cusip>
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      <sshPrnamt>206</sshPrnamt>
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      <Sole>206</Sole>
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    <nameOfIssuer>CREE INC                    COM</nameOfIssuer>
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    <cusip>225447101</cusip>
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      <sshPrnamt>940</sshPrnamt>
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      <Sole>940</Sole>
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    <nameOfIssuer>DR HORTON INC</nameOfIssuer>
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    <cusip>23331A109</cusip>
    <value>24</value>
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      <sshPrnamt>835</sshPrnamt>
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      <Sole>835</Sole>
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    <nameOfIssuer>DST SYS INC DEL             COM</nameOfIssuer>
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    <cusip>233326107</cusip>
    <value>61</value>
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      <sshPrnamt>550</sshPrnamt>
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    <nameOfIssuer>DANAHER CORP DEL            COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>235851102</cusip>
    <value>990</value>
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      <sshPrnamt>11657</sshPrnamt>
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      <Sole>10232</Sole>
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      <None>1425</None>
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    <nameOfIssuer>DARDEN RESTAURANTS INC      COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>237194105</cusip>
    <value>15</value>
    <shrsOrPrnAmt>
      <sshPrnamt>215</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>215</Sole>
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    <nameOfIssuer>DAVITA INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>23918K108</cusip>
    <value>73</value>
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      <sshPrnamt>900</sshPrnamt>
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      <Sole>900</Sole>
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      <None>0</None>
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    <nameOfIssuer>DEALERTRACK HOLDINGS</nameOfIssuer>
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    <cusip>242309102</cusip>
    <value>26</value>
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      <sshPrnamt>665</sshPrnamt>
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      <Sole>665</Sole>
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    <nameOfIssuer>DELTA AIRLINES INC DEL</nameOfIssuer>
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    <cusip>247361702</cusip>
    <value>103</value>
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      <sshPrnamt>2300</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2300</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DELUXE CORP                 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>248019101</cusip>
    <value>111</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DENTSPLY INTL INC NEW       COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>249030107</cusip>
    <value>31</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>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DEVON ENERGY CORP NEW       COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>25179M103</cusip>
    <value>7</value>
    <shrsOrPrnAmt>
      <sshPrnamt>108</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>108</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DISNEY WALT CO              COM DISNEY</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>254687106</cusip>
    <value>3338</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31820</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>29149</Sole>
      <Shared>0</Shared>
      <None>2671</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DISCOVERY COMM INC CLASS A</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>25470F104</cusip>
    <value>8</value>
    <shrsOrPrnAmt>
      <sshPrnamt>261</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>261</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DISCOVER FINL SVCS          COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>254709108</cusip>
    <value>427</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7582</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7233</Sole>
      <Shared>0</Shared>
      <None>349</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIRECTV                     COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>25490A309</cusip>
    <value>584</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6865</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6665</Sole>
      <Shared>0</Shared>
      <None>200</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOLBY LABORATORIES</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>25659T107</cusip>
    <value>46</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOLLAR GENERAL CORP NEW</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>256677105</cusip>
    <value>22</value>
    <shrsOrPrnAmt>
      <sshPrnamt>295</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>295</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOLLAR TREE INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>256746108</cusip>
    <value>25</value>
    <shrsOrPrnAmt>
      <sshPrnamt>310</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>310</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOMINION RES INC VA NEW     COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>25746U109</cusip>
    <value>274</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3870</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3870</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOMTAR CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>257559203</cusip>
    <value>51</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DONNELLEY R R &amp; SONS CO     COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>257867101</cusip>
    <value>56</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2895</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2895</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DORMAN PRODUCTS INC         COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>258278100</cusip>
    <value>30</value>
    <shrsOrPrnAmt>
      <sshPrnamt>610</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>610</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOVER CORP                  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>260003108</cusip>
    <value>97</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOW CHEMICAL CO</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>260543103</cusip>
    <value>298</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6216</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6216</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DRESSER RAND GROUP INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>261608103</cusip>
    <value>32</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>DUPONT E I DENEMOURS &amp; CO</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>263534109</cusip>
    <value>968</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11888</Sole>
      <Shared>0</Shared>
      <None>1662</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DUKE ENERGY CORP NEW COM    NEW</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>26441C204</cusip>
    <value>555</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7234</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7234</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>E M C CORP MASS             COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>268648102</cusip>
    <value>411</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>16100</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EOG RES INC                 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>26875P101</cusip>
    <value>248</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EBAY INC                    COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>278642103</cusip>
    <value>7</value>
    <shrsOrPrnAmt>
      <sshPrnamt>125</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>125</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ECOLAB INC                  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>278865100</cusip>
    <value>71</value>
    <shrsOrPrnAmt>
      <sshPrnamt>621</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>621</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EDISON INTL                 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>281020107</cusip>
    <value>112</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1794</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1794</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>1112</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19652</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>19652</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EMERSON ELEC CO             COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>291011104</cusip>
    <value>11</value>
    <shrsOrPrnAmt>
      <sshPrnamt>195</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>195</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ENCANA CORP</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>292505104</cusip>
    <value>4</value>
    <shrsOrPrnAmt>
      <sshPrnamt>350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>350</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ENERGIZER HLDGS INC         COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>29266R108</cusip>
    <value>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENERGY TRANSFER PARTNERS LP</nameOfIssuer>
    <titleOfClass>PARTNERSHIPS</titleOfClass>
    <cusip>29273R109</cusip>
    <value>31</value>
    <shrsOrPrnAmt>
      <sshPrnamt>565</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>565</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ENERNOC INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>292764107</cusip>
    <value>5</value>
    <shrsOrPrnAmt>
      <sshPrnamt>450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>450</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENPRO INDS INC              COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>29355X107</cusip>
    <value>3</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>40</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ENTERGY CORP NEW            COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>29364G103</cusip>
    <value>12</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>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENTERPRISE PRODUCTS         PARTNERS LP</nameOfIssuer>
    <titleOfClass>PARTNERSHIPS</titleOfClass>
    <cusip>293792107</cusip>
    <value>79</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2400</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXAMWORKS GROUP INC         COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>30066A105</cusip>
    <value>21</value>
    <shrsOrPrnAmt>
      <sshPrnamt>510</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>510</Sole>
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      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>EXELON CORP                 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>30161N101</cusip>
    <value>2334</value>
    <shrsOrPrnAmt>
      <sshPrnamt>69435</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>67622</Sole>
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      <None>1813</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXELON CORP                 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>30161N101</cusip>
    <value>36</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1067</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1067</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXELIS INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>30162A108</cusip>
    <value>37</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>EXPRESS SCRIPTS HLDG CO     COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>30219G108</cusip>
    <value>543</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6260</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6260</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EXXON MOBIL CORP            COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>30231G102</cusip>
    <value>6798</value>
    <shrsOrPrnAmt>
      <sshPrnamt>79977</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>74191</Sole>
      <Shared>0</Shared>
      <None>5786</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXXON MOBIL CORP            COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>30231G102</cusip>
    <value>367</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4317</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4257</Sole>
      <Shared>0</Shared>
      <None>60</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FACEBOOK</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>30303M102</cusip>
    <value>434</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5274</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5274</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FACEBOOK</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>30303M102</cusip>
    <value>120</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1465</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1465</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FASTENAL</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>311900104</cusip>
    <value>27</value>
    <shrsOrPrnAmt>
      <sshPrnamt>655</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>655</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FEDEX CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>31428X106</cusip>
    <value>493</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2979</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2979</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>3</value>
    <shrsOrPrnAmt>
      <sshPrnamt>170</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>170</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>58</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3265</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3265</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST SOLAR INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>336433107</cusip>
    <value>9</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>150</Sole>
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      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD DORSEY WRT 5 ETF</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>33738R605</cusip>
    <value>165</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6872</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6872</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>53</value>
    <shrsOrPrnAmt>
      <sshPrnamt>665</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>665</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>22</value>
    <shrsOrPrnAmt>
      <sshPrnamt>390</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>390</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>33</value>
    <shrsOrPrnAmt>
      <sshPrnamt>530</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>530</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>340</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21087</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>21087</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FOREST CITY ENTERPRISES INC CL A</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>345550107</cusip>
    <value>10</value>
    <shrsOrPrnAmt>
      <sshPrnamt>382</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>382</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FRANKLIN RESOURCES INC.</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>354613101</cusip>
    <value>34</value>
    <shrsOrPrnAmt>
      <sshPrnamt>660</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>660</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FREEPORT-MCMORAN INC        CL B</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>35671D857</cusip>
    <value>4</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>FRONTIER COMMUNICATIONS CO</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>35906A108</cusip>
    <value>8</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1071</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>445</Sole>
      <Shared>0</Shared>
      <None>626</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FULTON FINL CORP PA         COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>360271100</cusip>
    <value>5</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>GATX CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>361448103</cusip>
    <value>93</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1600</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>GANNETT INC                 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>364730101</cusip>
    <value>4</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>GENERAL CABLE CORP DEL NEW  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>369300108</cusip>
    <value>3</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>GENERAL DYNAMICS CORP       COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>369550108</cusip>
    <value>1887</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13906</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13714</Sole>
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      <None>192</None>
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  <infoTable>
    <nameOfIssuer>GENERAL DYNAMICS CORP       COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>369550108</cusip>
    <value>20</value>
    <shrsOrPrnAmt>
      <sshPrnamt>149</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>149</Sole>
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      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAL ELECTRIC CO         COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>369604103</cusip>
    <value>4243</value>
    <shrsOrPrnAmt>
      <sshPrnamt>171094</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>154227</Sole>
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      <None>16867</None>
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  <infoTable>
    <nameOfIssuer>GENERAL ELECTRIC CO         COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>369604103</cusip>
    <value>87</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3501</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3501</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>GENERAL MLS INC             COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>370334104</cusip>
    <value>340</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6016</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6016</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>GENERAL MLS INC             COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>370334104</cusip>
    <value>69</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1220</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1220</Sole>
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      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>GENUINE PARTS CO            COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>372460105</cusip>
    <value>166</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1785</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1785</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GILEAD SCIENCES INC         COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>375558103</cusip>
    <value>493</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5029</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5029</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GILEAD SCIENCES INC         COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>375558103</cusip>
    <value>77</value>
    <shrsOrPrnAmt>
      <sshPrnamt>789</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>789</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GLAXO HOLDINGS PLC SPONSORED ADR</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>37733W105</cusip>
    <value>95</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2067</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2067</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GLOBAL PMTS INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>37940X102</cusip>
    <value>19</value>
    <shrsOrPrnAmt>
      <sshPrnamt>210</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>210</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GOLDMAN SACHS GROUP INC     COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>38141G104</cusip>
    <value>372</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1980</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1960</Sole>
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      <None>20</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GOOGLE INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>38259P508</cusip>
    <value>493</value>
    <shrsOrPrnAmt>
      <sshPrnamt>888</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>888</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>113</value>
    <shrsOrPrnAmt>
      <sshPrnamt>204</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>204</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GOOGLE INC CLASS C SHARES</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>38259P706</cusip>
    <value>533</value>
    <shrsOrPrnAmt>
      <sshPrnamt>972</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>972</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GOOGLE INC CLASS C SHARES</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>38259P706</cusip>
    <value>64</value>
    <shrsOrPrnAmt>
      <sshPrnamt>117</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>117</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <cusip>384802104</cusip>
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      <sshPrnamt>18</sshPrnamt>
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    <cusip>38526M106</cusip>
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    <cusip>387328107</cusip>
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    <cusip>410345102</cusip>
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      <sshPrnamt>4237</sshPrnamt>
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    <cusip>412822108</cusip>
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    <cusip>413875105</cusip>
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    <cusip>413875105</cusip>
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    <nameOfIssuer>HARTFORD FINL SVCS GROUP INCCOM</nameOfIssuer>
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    <cusip>416515104</cusip>
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    <nameOfIssuer>HASBRO INC                  COM</nameOfIssuer>
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    <cusip>418056107</cusip>
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      <sshPrnamt>37</sshPrnamt>
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    <nameOfIssuer>HELMERICH &amp; PAYNE INC       COM</nameOfIssuer>
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    <nameOfIssuer>HERTZ GLOBAL HOLDINGS INC   COM</nameOfIssuer>
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    <cusip>42805T105</cusip>
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    <nameOfIssuer>HOLOGIC INC</nameOfIssuer>
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    <cusip>436440101</cusip>
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    <cusip>437306103</cusip>
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    <nameOfIssuer>HONEYWELL INTL INC          COM</nameOfIssuer>
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    <nameOfIssuer>HORMEL FOODS</nameOfIssuer>
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    <nameOfIssuer>HOST HOTELS &amp; RESORTS INC   COM</nameOfIssuer>
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    <nameOfIssuer>HUBBELL INC                 CL B</nameOfIssuer>
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    <cusip>451107106</cusip>
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    <nameOfIssuer>IHS INC A</nameOfIssuer>
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    <nameOfIssuer>ILLINOIS TOOL WKS INC       COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>452308109</cusip>
    <value>63</value>
    <shrsOrPrnAmt>
      <sshPrnamt>650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>650</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>117</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>INGREDION INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>457187102</cusip>
    <value>12</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>INTEL CORP                  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>458140100</cusip>
    <value>3236</value>
    <shrsOrPrnAmt>
      <sshPrnamt>103496</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>95153</Sole>
      <Shared>0</Shared>
      <None>8343</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTEL CORP                  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>458140100</cusip>
    <value>131</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4174</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4174</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>3</value>
    <shrsOrPrnAmt>
      <sshPrnamt>41</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>41</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERFACE INC               COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>458665304</cusip>
    <value>11</value>
    <shrsOrPrnAmt>
      <sshPrnamt>549</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>549</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL BUSINESS MACHSCOM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>459200101</cusip>
    <value>3963</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24694</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>24054</Sole>
      <Shared>0</Shared>
      <None>640</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL BUSINESS MACHSCOM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>459200101</cusip>
    <value>132</value>
    <shrsOrPrnAmt>
      <sshPrnamt>825</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>825</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>11</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>INTERNATIONAL PAPER CO      COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>460146103</cusip>
    <value>144</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2590</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2590</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERPUBLIC GROUP COS INC   COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>460690100</cusip>
    <value>24</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1085</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1085</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES MSCI CANADA - ETF</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>464286509</cusip>
    <value>19</value>
    <shrsOrPrnAmt>
      <sshPrnamt>698</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>698</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>44</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>14</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 DOW JONES SELECT DIVINDEX FD - ETF</nameOfIssuer>
    <titleOfClass>SMALL/MID CAP-ETF</titleOfClass>
    <cusip>464287168</cusip>
    <value>9</value>
    <shrsOrPrnAmt>
      <sshPrnamt>110</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>110</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES CHINA LARGE-CAP ETF</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>464287184</cusip>
    <value>9</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 S&amp;P 500 INDX FD-ETF</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>464287200</cusip>
    <value>685</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3297</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3297</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                  CORE US AGGBD ET</nameOfIssuer>
    <titleOfClass>LONG/INTERMEDIATE BOND-ETF</titleOfClass>
    <cusip>464287226</cusip>
    <value>50630</value>
    <shrsOrPrnAmt>
      <sshPrnamt>454370</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>451635</Sole>
      <Shared>116</Shared>
      <None>2619</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                  CORE US AGGBD ET</nameOfIssuer>
    <titleOfClass>LONG/INTERMEDIATE BOND-ETF</titleOfClass>
    <cusip>464287226</cusip>
    <value>137</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1233</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1233</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>1003</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25005</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>24945</Sole>
      <Shared>0</Shared>
      <None>60</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES                     S&amp;P 500 GRWT ETF</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>464287309</cusip>
    <value>13609</value>
    <shrsOrPrnAmt>
      <sshPrnamt>119433</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>118790</Sole>
      <Shared>52</Shared>
      <None>591</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES                     S&amp;P 500 GRWT ETF</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>464287309</cusip>
    <value>85</value>
    <shrsOrPrnAmt>
      <sshPrnamt>742</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>742</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES 1-3 YEAR TREASURY   BOND - ETF</nameOfIssuer>
    <titleOfClass>SHORT-TERM BOND-ETF</titleOfClass>
    <cusip>464287457</cusip>
    <value>153</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1807</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1807</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES MSCI EAFE ETF</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>464287465</cusip>
    <value>3058</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>47425</Sole>
      <Shared>0</Shared>
      <None>225</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES                     CORE S&amp;P MCP ETF</nameOfIssuer>
    <titleOfClass>SMALL/MID CAP-ETF</titleOfClass>
    <cusip>464287507</cusip>
    <value>13335</value>
    <shrsOrPrnAmt>
      <sshPrnamt>87748</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>81674</Sole>
      <Shared>11</Shared>
      <None>6063</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES                     CORE S&amp;P MCP ETF</nameOfIssuer>
    <titleOfClass>SMALL/MID CAP-ETF</titleOfClass>
    <cusip>464287507</cusip>
    <value>88</value>
    <shrsOrPrnAmt>
      <sshPrnamt>582</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>582</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL 1000 VALUE  INDEX FUND ETF</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>464287598</cusip>
    <value>65</value>
    <shrsOrPrnAmt>
      <sshPrnamt>634</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>634</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR RUSSELL          1000 GRW - ETF</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>464287614</cusip>
    <value>58</value>
    <shrsOrPrnAmt>
      <sshPrnamt>582</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>582</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>718</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>3911</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25807</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>21234</Sole>
      <Shared>0</Shared>
      <None>4573</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL 2000        GROWTH - ETF</nameOfIssuer>
    <titleOfClass>SMALL/MID CAP-ETF</titleOfClass>
    <cusip>464287648</cusip>
    <value>38</value>
    <shrsOrPrnAmt>
      <sshPrnamt>250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES                     CORE S&amp;P SCP ETF</nameOfIssuer>
    <titleOfClass>SMALL/MID CAP-ETF</titleOfClass>
    <cusip>464287804</cusip>
    <value>436</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3694</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3394</Sole>
      <Shared>0</Shared>
      <None>300</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES                     SP SMCP600VL ETF</nameOfIssuer>
    <titleOfClass>SMALL/MID CAP-ETF</titleOfClass>
    <cusip>464287879</cusip>
    <value>761</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6402</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5902</Sole>
      <Shared>0</Shared>
      <None>500</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES GLOBAL              INFRASTRUCTURE ETF</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>464288372</cusip>
    <value>45</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1075</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1075</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>63</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>100</value>
    <shrsOrPrnAmt>
      <sshPrnamt>950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>950</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES                     USA MIN VOL ETF</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>46429B697</cusip>
    <value>7248</value>
    <shrsOrPrnAmt>
      <sshPrnamt>175730</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>174854</Sole>
      <Shared>69</Shared>
      <None>807</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES                     USA MIN VOL ETF</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>46429B697</cusip>
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    <nameOfIssuer>KINDER MORGAN INC DEL       *W EXP 05/25/2017</nameOfIssuer>
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    <nameOfIssuer>MARRIOTT VACATIONS WORLDWIDE</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>57164Y107</cusip>
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    <cusip>571903202</cusip>
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    <cusip>571903202</cusip>
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    <cusip>57636Q104</cusip>
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    <nameOfIssuer>MAXIM INTEGRATED PRODS INC  COM</nameOfIssuer>
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    <cusip>57772K101</cusip>
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    <nameOfIssuer>MAXIM INTEGRATED PRODS INC  COM</nameOfIssuer>
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    <cusip>57772K101</cusip>
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      <sshPrnamt>100</sshPrnamt>
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    <cusip>577933104</cusip>
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    <cusip>580135101</cusip>
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    <nameOfIssuer>MCKESSON CORP               COM</nameOfIssuer>
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    <nameOfIssuer>MENTOR GRAPHICS CORP</nameOfIssuer>
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    <cusip>587200106</cusip>
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      <sshPrnamt>365</sshPrnamt>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>MONSANTO CO (NEW)</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>61166W101</cusip>
    <value>30</value>
    <shrsOrPrnAmt>
      <sshPrnamt>263</sshPrnamt>
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    <votingAuthority>
      <Sole>213</Sole>
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      <None>50</None>
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  <infoTable>
    <nameOfIssuer>MONSTER BEVERAGE CORP COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>611740101</cusip>
    <value>204</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1476</sshPrnamt>
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    <votingAuthority>
      <Sole>1476</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>MURPHY USA INC              COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>626755102</cusip>
    <value>37</value>
    <shrsOrPrnAmt>
      <sshPrnamt>505</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>505</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NBT BANCORP INC             COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>628778102</cusip>
    <value>2041</value>
    <shrsOrPrnAmt>
      <sshPrnamt>81489</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>29388</Sole>
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      <None>52101</None>
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  <infoTable>
    <nameOfIssuer>NBT BANCORP INC             COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>628778102</cusip>
    <value>158</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6314</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <Sole>6314</Sole>
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      <None>0</None>
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    <nameOfIssuer>NATIONAL INSTRUMENTS CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>636518102</cusip>
    <value>44</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1370</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <Sole>1370</Sole>
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      <None>0</None>
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    <nameOfIssuer>NATIONAL OILWELL VARCO INC  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>637071101</cusip>
    <value>348</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6956</sshPrnamt>
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    <votingAuthority>
      <Sole>6901</Sole>
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      <None>55</None>
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  <infoTable>
    <nameOfIssuer>NATIONAL OILWELL VARCO INC  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>637071101</cusip>
    <value>2</value>
    <shrsOrPrnAmt>
      <sshPrnamt>41</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>41</Sole>
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      <None>0</None>
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    <nameOfIssuer>NAVIENT CORP                COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>63938C108</cusip>
    <value>4</value>
    <shrsOrPrnAmt>
      <sshPrnamt>184</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>184</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>NEOGEN CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>640491106</cusip>
    <value>32</value>
    <shrsOrPrnAmt>
      <sshPrnamt>682</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>682</Sole>
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      <None>0</None>
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    <nameOfIssuer>NEWELL RUBBERMAID INC COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>651229106</cusip>
    <value>22</value>
    <shrsOrPrnAmt>
      <sshPrnamt>555</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>555</Sole>
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      <None>0</None>
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    <nameOfIssuer>NEWMONT MIN CO (HOLD CO)    COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>651639106</cusip>
    <value>0</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15</sshPrnamt>
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      <Sole>15</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>NEXTERA ENERGY INC COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>65339F101</cusip>
    <value>687</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6601</sshPrnamt>
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    <votingAuthority>
      <Sole>6500</Sole>
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      <None>101</None>
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  <infoTable>
    <nameOfIssuer>NIKE INC CL B</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>654106103</cusip>
    <value>2687</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26781</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>24491</Sole>
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      <None>2290</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NIKE INC CL B</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>654106103</cusip>
    <value>69</value>
    <shrsOrPrnAmt>
      <sshPrnamt>688</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>688</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>NOKIA CORP PFD SPONS ADR</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>654902204</cusip>
    <value>6</value>
    <shrsOrPrnAmt>
      <sshPrnamt>821</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>821</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>NORFOLK SOUTHERN CORP       COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>655844108</cusip>
    <value>111</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1081</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1081</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>NORTHROP GRUMMAN CORP COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>666807102</cusip>
    <value>8</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>51</Sole>
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      <None>0</None>
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    <nameOfIssuer>NOVARTIS AG SPNSRD ADR</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>66987V109</cusip>
    <value>89</value>
    <shrsOrPrnAmt>
      <sshPrnamt>905</sshPrnamt>
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    <votingAuthority>
      <Sole>905</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>NOVARTIS AG SPNSRD ADR</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>66987V109</cusip>
    <value>17</value>
    <shrsOrPrnAmt>
      <sshPrnamt>171</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>171</Sole>
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  <infoTable>
    <nameOfIssuer>NOW INC                     COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>67011P100</cusip>
    <value>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>34</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>NUCOR CORP                  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>670346105</cusip>
    <value>59</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1250</sshPrnamt>
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      <Sole>1250</Sole>
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    <nameOfIssuer>NUVEEN INSURED NY T/F</nameOfIssuer>
    <titleOfClass>MUNICIPAL BOND-ETF</titleOfClass>
    <cusip>670656107</cusip>
    <value>20</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1559</sshPrnamt>
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    <votingAuthority>
      <Sole>1559</Sole>
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    <nameOfIssuer>NVIDIA CORP                 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>67066G104</cusip>
    <value>560</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26769</sshPrnamt>
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    <votingAuthority>
      <Sole>25837</Sole>
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      <None>932</None>
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    <nameOfIssuer>O'REILLY AUTOMOTIVE NEW</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>67103H107</cusip>
    <value>4</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18</sshPrnamt>
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      <Sole>18</Sole>
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      <None>0</None>
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    <nameOfIssuer>OCCIDENTAL PETE CORP DEL    COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>674599105</cusip>
    <value>30</value>
    <shrsOrPrnAmt>
      <sshPrnamt>412</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>412</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>OCLARO INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>67555N206</cusip>
    <value>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>750</sshPrnamt>
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    <votingAuthority>
      <Sole>750</Sole>
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    <nameOfIssuer>OMNICOM GROUP INC           COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>681919106</cusip>
    <value>63</value>
    <shrsOrPrnAmt>
      <sshPrnamt>810</sshPrnamt>
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      <Sole>810</Sole>
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    <nameOfIssuer>OMEGA HEALTHCARE INVST</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>681936100</cusip>
    <value>248</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6125</sshPrnamt>
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      <Sole>6125</Sole>
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    <nameOfIssuer>ON SEMICONDUCTOR</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>682189105</cusip>
    <value>70</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5800</sshPrnamt>
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      <Sole>5800</Sole>
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    <nameOfIssuer>ONEOK INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>682680103</cusip>
    <value>135</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2790</sshPrnamt>
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    <votingAuthority>
      <Sole>2790</Sole>
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    <nameOfIssuer>ORACLE CORP                 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>68389X105</cusip>
    <value>1858</value>
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      <sshPrnamt>43066</sshPrnamt>
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    <votingAuthority>
      <Sole>40235</Sole>
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      <None>2831</None>
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  <infoTable>
    <nameOfIssuer>ORACLE CORP                 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>68389X105</cusip>
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      <sshPrnamt>2350</sshPrnamt>
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      <Sole>2350</Sole>
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    <nameOfIssuer>OREXIGEN THERAPEUTICS INC   COM</nameOfIssuer>
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    <cusip>686164104</cusip>
    <value>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
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      <None>0</None>
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    <nameOfIssuer>ORMAT TECHNOLOGIES INC      COM</nameOfIssuer>
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    <cusip>686688102</cusip>
    <value>15</value>
    <shrsOrPrnAmt>
      <sshPrnamt>398</sshPrnamt>
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      <Sole>398</Sole>
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    <nameOfIssuer>PG&amp;E CORP                   COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>69331C108</cusip>
    <value>6</value>
    <shrsOrPrnAmt>
      <sshPrnamt>120</sshPrnamt>
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      <Sole>120</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PNC FINL SVCS GROUP INC     COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>693475105</cusip>
    <value>827</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8870</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8870</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PNC FINL SVCS GROUP INC     COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>693475105</cusip>
    <value>75</value>
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      <sshPrnamt>800</sshPrnamt>
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      <None>0</None>
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    <nameOfIssuer>PPG INDS INC                COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>693506107</cusip>
    <value>39</value>
    <shrsOrPrnAmt>
      <sshPrnamt>175</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>175</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PRA GROUP INC               COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>69354N106</cusip>
    <value>29</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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  <infoTable>
    <nameOfIssuer>PACKAGING CORP AMER         COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>695156109</cusip>
    <value>74</value>
    <shrsOrPrnAmt>
      <sshPrnamt>945</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>945</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PALL CORP                   COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>696429307</cusip>
    <value>55</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>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PAL ALTO NETWORK</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>697435105</cusip>
    <value>46</value>
    <shrsOrPrnAmt>
      <sshPrnamt>316</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>316</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PANERA BREAD CO             CL A</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>69840W108</cusip>
    <value>12</value>
    <shrsOrPrnAmt>
      <sshPrnamt>76</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>76</Sole>
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      <None>0</None>
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    <nameOfIssuer>PATTERN ENERGY GROUP INC    CL A</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>70338P100</cusip>
    <value>3</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>
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  <infoTable>
    <nameOfIssuer>PAYCHEX INC                 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>704326107</cusip>
    <value>336</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6765</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6765</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PENNEY J C INC              COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>708160106</cusip>
    <value>4</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>
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  <infoTable>
    <nameOfIssuer>PEPSICO INC                 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>713448108</cusip>
    <value>2753</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28794</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>27624</Sole>
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      <None>1170</None>
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  <infoTable>
    <nameOfIssuer>PEPSICO INC                 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>713448108</cusip>
    <value>96</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1000</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PFIZER INC                  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>717081103</cusip>
    <value>3606</value>
    <shrsOrPrnAmt>
      <sshPrnamt>103666</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>89667</Sole>
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      <None>13999</None>
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  <infoTable>
    <nameOfIssuer>PFIZER INC                  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>717081103</cusip>
    <value>68</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1962</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1962</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PHILIP MORRIS INTL INC      COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>718172109</cusip>
    <value>315</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4188</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4188</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PHILLIPS 66 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>718546104</cusip>
    <value>121</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1539</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1539</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PLATFORM SPECIALTY PRODS CORCOM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>72766Q105</cusip>
    <value>22</value>
    <shrsOrPrnAmt>
      <sshPrnamt>860</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>860</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>POLARIS INDS INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>731068102</cusip>
    <value>79</value>
    <shrsOrPrnAmt>
      <sshPrnamt>557</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>557</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PORTLAND GEN ELECTRIC CO</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>736508847</cusip>
    <value>37</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>POWER INTEGRATIONS INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>739276103</cusip>
    <value>37</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>
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  <infoTable>
    <nameOfIssuer>PWRSHS QQQ TR UN SER 1 - ETF</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>73935A104</cusip>
    <value>50</value>
    <shrsOrPrnAmt>
      <sshPrnamt>475</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>475</Sole>
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      <None>0</None>
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    <nameOfIssuer>POWERSHARES SENIOR LOAN ETF</nameOfIssuer>
    <titleOfClass>SHORT-TERM BOND-ETF</titleOfClass>
    <cusip>73936Q769</cusip>
    <value>354</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14705</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>14705</Sole>
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      <None>0</None>
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    <nameOfIssuer>POWERSHARES GLOBAL ETF TRUSTAGG PFD PORT</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>73936T565</cusip>
    <value>2589</value>
    <shrsOrPrnAmt>
      <sshPrnamt>173651</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>169538</Sole>
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      <None>4113</None>
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  <infoTable>
    <nameOfIssuer>POWERSHARES GLOBAL ETF TRUSTAGG PFD PORT</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>73936T565</cusip>
    <value>84</value>
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      <sshPrnamt>5629</sshPrnamt>
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    <votingAuthority>
      <Sole>5629</Sole>
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      <None>0</None>
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    <nameOfIssuer>POWERSHARES ETF TR II       S&amp;P500 LOW VOL</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>73937B779</cusip>
    <value>11098</value>
    <shrsOrPrnAmt>
      <sshPrnamt>292607</sshPrnamt>
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    <votingAuthority>
      <Sole>291055</Sole>
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    <nameOfIssuer>POWERSHARES ETF TR II       S&amp;P500 LOW VOL</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>73937B779</cusip>
    <value>80</value>
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      <sshPrnamt>2117</sshPrnamt>
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      <Sole>2117</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PRAXAIR INC                 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>74005P104</cusip>
    <value>76</value>
    <shrsOrPrnAmt>
      <sshPrnamt>628</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>628</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PRAXAIR INC                 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>74005P104</cusip>
    <value>28</value>
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      <sshPrnamt>235</sshPrnamt>
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      <Sole>235</Sole>
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  <infoTable>
    <nameOfIssuer>PRECISION CASTPARTS CORP    COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>740189105</cusip>
    <value>394</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1876</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1471</Sole>
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      <None>405</None>
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  <infoTable>
    <nameOfIssuer>PRICE T ROWE &amp; ASSOCIATES   COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>74144T108</cusip>
    <value>287</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3550</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3550</Sole>
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      <None>0</None>
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    <nameOfIssuer>PRICELINE GRP INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>741503403</cusip>
    <value>1028</value>
    <shrsOrPrnAmt>
      <sshPrnamt>883</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <Sole>836</Sole>
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    <nameOfIssuer>PROCTER &amp; GAMBLE CO         COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>742718109</cusip>
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      <sshPrnamt>45505</sshPrnamt>
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      <Sole>43492</Sole>
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    <nameOfIssuer>PROCTER &amp; GAMBLE CO         COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>742718109</cusip>
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      <sshPrnamt>1593</sshPrnamt>
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      <Sole>1593</Sole>
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    <nameOfIssuer>PROLOGIS INC                COM</nameOfIssuer>
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    <cusip>74340W103</cusip>
    <value>11</value>
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      <sshPrnamt>242</sshPrnamt>
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      <Sole>242</Sole>
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    <nameOfIssuer>PROTO LABS INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>743713109</cusip>
    <value>52</value>
    <shrsOrPrnAmt>
      <sshPrnamt>745</sshPrnamt>
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      <Sole>745</Sole>
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    <nameOfIssuer>PRUDENTIAL FINANCIAL INC    COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>744320102</cusip>
    <value>2</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>22</Sole>
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    <nameOfIssuer>PUBLIC SVC ENTERPRISE GROUP COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>744573106</cusip>
    <value>2464</value>
    <shrsOrPrnAmt>
      <sshPrnamt>58802</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>57090</Sole>
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      <None>1712</None>
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    <nameOfIssuer>PUBLIC SVC ENTERPRISE GROUP COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>744573106</cusip>
    <value>16</value>
    <shrsOrPrnAmt>
      <sshPrnamt>386</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>386</Sole>
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      <None>0</None>
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    <nameOfIssuer>QUALCOMM INC                COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>747525103</cusip>
    <value>750</value>
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    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>747525103</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>731</sshPrnamt>
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    <cusip>74834L100</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>350</sshPrnamt>
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    <cusip>748356102</cusip>
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    <cusip>749685103</cusip>
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    <shrsOrPrnAmt>
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    <cusip>754907103</cusip>
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    <shrsOrPrnAmt>
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    <cusip>75508B104</cusip>
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    <cusip>755111507</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>261</sshPrnamt>
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    <cusip>761152107</cusip>
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    <shrsOrPrnAmt>
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    <nameOfIssuer>RESTORATION HARDWARE HLDGS ICOM</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>761283100</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>560</sshPrnamt>
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    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>761713106</cusip>
    <value>414</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6005</sshPrnamt>
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    <cusip>767744105</cusip>
    <value>42</value>
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      <sshPrnamt>1700</sshPrnamt>
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    <nameOfIssuer>ROCK-TENN CO CL A</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>772739207</cusip>
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      <sshPrnamt>915</sshPrnamt>
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    <nameOfIssuer>ROCKWELL AUTOMATION INC     COM</nameOfIssuer>
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    <cusip>773903109</cusip>
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      <sshPrnamt>1215</sshPrnamt>
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    <nameOfIssuer>ROGERS CORP                 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>775133101</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>80</sshPrnamt>
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      <None>0</None>
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    <nameOfIssuer>ROPER INDUSTRIES INC. NEW</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>776696106</cusip>
    <value>17</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
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    <nameOfIssuer>ROPER INDUSTRIES INC. NEW</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>776696106</cusip>
    <value>42</value>
    <shrsOrPrnAmt>
      <sshPrnamt>245</sshPrnamt>
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    <nameOfIssuer>ROSS STORES INC             COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>778296103</cusip>
    <value>27</value>
    <shrsOrPrnAmt>
      <sshPrnamt>261</sshPrnamt>
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      <Sole>261</Sole>
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      <None>0</None>
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    <nameOfIssuer>ROYAL DUTCH SHELL PLC       SPON ADR B</nameOfIssuer>
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    <cusip>780259107</cusip>
    <value>112</value>
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      <Sole>1780</Sole>
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    <nameOfIssuer>ROYAL DUTCH SHELL PLC       SPONSD ADR A</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>780259206</cusip>
    <value>193</value>
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      <sshPrnamt>3230</sshPrnamt>
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      <None>3030</None>
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    <nameOfIssuer>RYMAN HOSPITALITY PPTYS INC COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>78377T107</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>1260</sshPrnamt>
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    <nameOfIssuer>SLM CORPORATION SECURITIES  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>78442P106</cusip>
    <value>3</value>
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    <nameOfIssuer>S &amp; P DEP RECEIPTS - ETF</nameOfIssuer>
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    <cusip>78462F103</cusip>
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    <nameOfIssuer>SPDR GOLD TRUST             GOLD SHS - ETF</nameOfIssuer>
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    <cusip>78463V107</cusip>
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    <nameOfIssuer>SPDR BARCLAYS HIGHYLD BD ETF</nameOfIssuer>
    <titleOfClass>HIGH YIELD BOND-ETF</titleOfClass>
    <cusip>78464A417</cusip>
    <value>1079</value>
    <shrsOrPrnAmt>
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    <nameOfIssuer>SPDR S &amp; P DIVIDEND - ETF</nameOfIssuer>
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    <cusip>78464A763</cusip>
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    <nameOfIssuer>SVB FINL GROUP              COM</nameOfIssuer>
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    <cusip>78486Q101</cusip>
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      <sshPrnamt>143</sshPrnamt>
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    <nameOfIssuer>ST JUDE MED INC</nameOfIssuer>
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    <cusip>790849103</cusip>
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    <nameOfIssuer>SALESFORCE COM INC</nameOfIssuer>
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    <cusip>79466L302</cusip>
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      <sshPrnamt>1565</sshPrnamt>
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    <nameOfIssuer>SALESFORCE COM INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>79466L302</cusip>
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    <nameOfIssuer>SANDISK CORP                COM</nameOfIssuer>
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    <cusip>80004C101</cusip>
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    <nameOfIssuer>SCHLUMBERGER LTD            COM</nameOfIssuer>
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    <cusip>806857108</cusip>
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      <sshPrnamt>6512</sshPrnamt>
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      <Sole>6512</Sole>
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    <nameOfIssuer>SCHLUMBERGER LTD            COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>806857108</cusip>
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      <sshPrnamt>2220</sshPrnamt>
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    <nameOfIssuer>SCHWAB CHARLES CORP NEW     COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>808513105</cusip>
    <value>87</value>
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    <nameOfIssuer>SCHWAB STRATEGIC TR         US REIT ETF</nameOfIssuer>
    <titleOfClass>REAL ESTATE-ETF</titleOfClass>
    <cusip>808524847</cusip>
    <value>59</value>
    <shrsOrPrnAmt>
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    <nameOfIssuer>SCIQUEST INC NEW</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>80908T101</cusip>
    <value>20</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1160</sshPrnamt>
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      <Sole>1160</Sole>
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    <nameOfIssuer>SELECTIVE INS GRP INC       C/C</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>816300107</cusip>
    <value>42</value>
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      <sshPrnamt>1438</sshPrnamt>
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      <Sole>1438</Sole>
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    <nameOfIssuer>SHERWIN WILLIAMS CO         COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>824348106</cusip>
    <value>57</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
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      <Sole>200</Sole>
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    <nameOfIssuer>SIGMA ALDRICH CORP          COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>826552101</cusip>
    <value>553</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4002</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>21</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SIGNATURE BK NEW YORK N Y   COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>82669G104</cusip>
    <value>29</value>
    <shrsOrPrnAmt>
      <sshPrnamt>220</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>220</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SIMON PPTY GROUP INC NEW</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>828806109</cusip>
    <value>426</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2180</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1815</Sole>
      <Shared>0</Shared>
      <None>365</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SKYWORKS SOLUTIONS INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>83088M102</cusip>
    <value>364</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3700</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SKYWORKS SOLUTIONS INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>83088M102</cusip>
    <value>98</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1000</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SNAP-ON INC (FORMERLY       SNAP-ON TOOLS CORP)</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>833034101</cusip>
    <value>54</value>
    <shrsOrPrnAmt>
      <sshPrnamt>369</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>369</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SOLARCITY CORP              COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>83416T100</cusip>
    <value>8</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SONOCO PRODS CO             COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>835495102</cusip>
    <value>6</value>
    <shrsOrPrnAmt>
      <sshPrnamt>122</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>122</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>SOUTHERN COMPANY</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>842587107</cusip>
    <value>33</value>
    <shrsOrPrnAmt>
      <sshPrnamt>751</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>751</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>SOUTHWEST AIRLS CO          COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>844741108</cusip>
    <value>134</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3035</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3035</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>SPECTRA ENERGY CORP COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>847560109</cusip>
    <value>9</value>
    <shrsOrPrnAmt>
      <sshPrnamt>245</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>245</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>STANLEY BLACK &amp; DECKER INC  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>854502101</cusip>
    <value>357</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3749</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3549</Sole>
      <Shared>0</Shared>
      <None>200</None>
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    <nameOfIssuer>STARBUCKS CORP              COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>855244109</cusip>
    <value>37</value>
    <shrsOrPrnAmt>
      <sshPrnamt>394</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>394</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>STARBUCKS CORP              COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>855244109</cusip>
    <value>186</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1967</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1967</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>STARWOOD HOTELS &amp; RESORTS   WORLDWIDE INC COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>85590A401</cusip>
    <value>13</value>
    <shrsOrPrnAmt>
      <sshPrnamt>154</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>154</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>STARWOOD HOTELS &amp; RESORTS   WORLDWIDE INC COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>85590A401</cusip>
    <value>11</value>
    <shrsOrPrnAmt>
      <sshPrnamt>126</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>126</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>STATE STR CORP              COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>857477103</cusip>
    <value>675</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9177</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8186</Sole>
      <Shared>0</Shared>
      <None>991</None>
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  <infoTable>
    <nameOfIssuer>STERICYCLE INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>858912108</cusip>
    <value>69</value>
    <shrsOrPrnAmt>
      <sshPrnamt>490</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>490</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>STRYKER CORP                COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>863667101</cusip>
    <value>1229</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13319</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12483</Sole>
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      <None>836</None>
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  <infoTable>
    <nameOfIssuer>STRYKER CORP                COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>863667101</cusip>
    <value>92</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1000</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>SUFFOLK BANCORP             COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>864739107</cusip>
    <value>64</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2695</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2695</Sole>
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      <None>0</None>
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    <nameOfIssuer>SUNTRUST BANKS INC          COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>867914103</cusip>
    <value>76</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1840</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1840</Sole>
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      <None>0</None>
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    <nameOfIssuer>SYNGENTA AG SPONS ADR</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>87160A100</cusip>
    <value>14</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>200</Sole>
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      <None>0</None>
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    <nameOfIssuer>TD AMERITRADE HLDG CORP COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>87236Y108</cusip>
    <value>2</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>54</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>TECO ENERGY INC             COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>872375100</cusip>
    <value>2148</value>
    <shrsOrPrnAmt>
      <sshPrnamt>110809</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>107651</Sole>
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      <None>3158</None>
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  <infoTable>
    <nameOfIssuer>TECO ENERGY INC             COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>872375100</cusip>
    <value>14</value>
    <shrsOrPrnAmt>
      <sshPrnamt>710</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>710</Sole>
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      <None>0</None>
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    <nameOfIssuer>TJX COS INC NEW             COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>872540109</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>37994</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>35768</Sole>
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      <None>2226</None>
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    <nameOfIssuer>TARGET CORP                 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>87612E106</cusip>
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      <sshPrnamt>13817</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13038</Sole>
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      <None>779</None>
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  <infoTable>
    <nameOfIssuer>TARGET CORP                 COM</nameOfIssuer>
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    <cusip>87612E106</cusip>
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      <sshPrnamt>400</sshPrnamt>
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      <Sole>400</Sole>
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    <nameOfIssuer>TELEFONICA BRASIL SA        SPONSORED ADR</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>87936R106</cusip>
    <value>1198</value>
    <shrsOrPrnAmt>
      <sshPrnamt>78351</sshPrnamt>
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    <votingAuthority>
      <Sole>75161</Sole>
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      <None>3190</None>
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    <nameOfIssuer>TELEFONICA S A</nameOfIssuer>
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    <cusip>879382208</cusip>
    <value>4</value>
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      <sshPrnamt>302</sshPrnamt>
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      <Sole>302</Sole>
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    <nameOfIssuer>TESORO CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>881609101</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>830</sshPrnamt>
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    <votingAuthority>
      <Sole>830</Sole>
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      <None>0</None>
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    <nameOfIssuer>TEXAS INSTRS INC            COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>882508104</cusip>
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      <sshPrnamt>9376</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7676</Sole>
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      <None>1700</None>
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    <nameOfIssuer>THERMO FISHER SCIENTIFIC INCCOM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>883556102</cusip>
    <value>483</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3598</sshPrnamt>
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    <votingAuthority>
      <Sole>3598</Sole>
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  <infoTable>
    <nameOfIssuer>THERMO FISHER SCIENTIFIC INCCOM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>883556102</cusip>
    <value>281</value>
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      <sshPrnamt>2094</sshPrnamt>
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      <Sole>2094</Sole>
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  <infoTable>
    <nameOfIssuer>3M CO                       COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>88579Y101</cusip>
    <value>2899</value>
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      <sshPrnamt>17577</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>16880</Sole>
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      <None>697</None>
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  <infoTable>
    <nameOfIssuer>3M CO                       COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>88579Y101</cusip>
    <value>161</value>
    <shrsOrPrnAmt>
      <sshPrnamt>976</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>976</Sole>
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      <None>0</None>
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    <nameOfIssuer>TIME WARNER INC NEW COM NEW</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>887317303</cusip>
    <value>9</value>
    <shrsOrPrnAmt>
      <sshPrnamt>112</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>112</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>TIME WARNER INC NEW COM NEW</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>887317303</cusip>
    <value>78</value>
    <shrsOrPrnAmt>
      <sshPrnamt>918</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>918</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TIME WARNER CABLE INC COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>88732J207</cusip>
    <value>121</value>
    <shrsOrPrnAmt>
      <sshPrnamt>805</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>805</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TOMPKINS FINANCIAL CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>890110109</cusip>
    <value>25365</value>
    <shrsOrPrnAmt>
      <sshPrnamt>471114</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>446732</Sole>
      <Shared>0</Shared>
      <None>24382</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TOMPKINS FINANCIAL CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>890110109</cusip>
    <value>2231</value>
    <shrsOrPrnAmt>
      <sshPrnamt>41445</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>41445</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>TORONTO DOMINION BK ONT     COM NEW ADR</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>891160509</cusip>
    <value>265</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6189</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6189</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>TOTAL S A SPONSORED ADR</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>89151E109</cusip>
    <value>94</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1895</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1895</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>TRAVELERS COMPANIES INC     COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>89417E109</cusip>
    <value>2154</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19924</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>18983</Sole>
      <Shared>0</Shared>
      <None>941</None>
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  <infoTable>
    <nameOfIssuer>TRAVELERS COMPANIES INC     COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>89417E109</cusip>
    <value>16</value>
    <shrsOrPrnAmt>
      <sshPrnamt>147</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>147</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>TRIPADVISOR INC             COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>896945201</cusip>
    <value>78</value>
    <shrsOrPrnAmt>
      <sshPrnamt>940</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>940</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>TUPPERWARE BRANDS CORP      COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>899896104</cusip>
    <value>174</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2515</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2515</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>TWENTY FIRST CENTY FOX INC  CL A</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>90130A101</cusip>
    <value>4</value>
    <shrsOrPrnAmt>
      <sshPrnamt>125</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>125</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>TYSON FOODS INC             CL A</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>902494103</cusip>
    <value>444</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11599</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10996</Sole>
      <Shared>0</Shared>
      <None>603</None>
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  <infoTable>
    <nameOfIssuer>UIL HOLDINGS CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>902748102</cusip>
    <value>17</value>
    <shrsOrPrnAmt>
      <sshPrnamt>333</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>333</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>US BANCORP DEL              COM NEW</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>902973304</cusip>
    <value>464</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10635</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10635</Sole>
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      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>UTLIMATE SOFTWARE GROUP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>90385D107</cusip>
    <value>59</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>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>UMPQUA HOLDINGS CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>904214103</cusip>
    <value>15</value>
    <shrsOrPrnAmt>
      <sshPrnamt>873</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>873</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>UNILEVER N V                N Y SHS NEW</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>904784709</cusip>
    <value>8</value>
    <shrsOrPrnAmt>
      <sshPrnamt>198</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>198</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>UNION PAC CORP              COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>907818108</cusip>
    <value>52</value>
    <shrsOrPrnAmt>
      <sshPrnamt>480</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>480</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED NATURAL FOODS</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>911163103</cusip>
    <value>40</value>
    <shrsOrPrnAmt>
      <sshPrnamt>525</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>525</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>UNITED PARCEL SERVICE INC   CL B</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>911312106</cusip>
    <value>27</value>
    <shrsOrPrnAmt>
      <sshPrnamt>280</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>280</Sole>
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      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED PARCEL SERVICE INC   CL B</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>911312106</cusip>
    <value>68</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>
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  <infoTable>
    <nameOfIssuer>UNITED RENTALS INC          COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>911363109</cusip>
    <value>43</value>
    <shrsOrPrnAmt>
      <sshPrnamt>469</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>469</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>USX-U S STL                 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>912909108</cusip>
    <value>0</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>UNITED TECHNOLOGIES CORP    COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>913017109</cusip>
    <value>781</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6665</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6480</Sole>
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      <None>185</None>
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  <infoTable>
    <nameOfIssuer>UNITED TECHNOLOGIES CORP    COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>913017109</cusip>
    <value>12</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>91324P102</cusip>
    <value>505</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4270</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4270</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>91324P102</cusip>
    <value>133</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1121</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1121</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>V F CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>918204108</cusip>
    <value>128</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1706</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1706</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VALERO ENERGY CORP NEW      COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>91913Y100</cusip>
    <value>38</value>
    <shrsOrPrnAmt>
      <sshPrnamt>593</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>593</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VALSPAR CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>920355104</cusip>
    <value>7</value>
    <shrsOrPrnAmt>
      <sshPrnamt>83</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>83</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD TAX MANAGED INTL FDFTSE DEV MKT ETF</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>921943858</cusip>
    <value>2392</value>
    <shrsOrPrnAmt>
      <sshPrnamt>60080</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>59787</Sole>
      <Shared>0</Shared>
      <None>293</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD TAX MANAGED INTL FDFTSE DEV MKT ETF</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>921943858</cusip>
    <value>81</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2031</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2031</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS          INF TECH ETF</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>92204A702</cusip>
    <value>36</value>
    <shrsOrPrnAmt>
      <sshPrnamt>335</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>335</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX  FD ETF</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>922042775</cusip>
    <value>491</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10068</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10068</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY        INDEX - ETF</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>922042858</cusip>
    <value>262</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6416</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6416</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS     SHRT TRM CORP BD</nameOfIssuer>
    <titleOfClass>SHORT-TERM BOND-ETF</titleOfClass>
    <cusip>92206C409</cusip>
    <value>20</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>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>VECTREN CORP COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>92240G101</cusip>
    <value>52</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1170</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1170</None>
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  <infoTable>
    <nameOfIssuer>VECTRUS INC                 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>92242T101</cusip>
    <value>0</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10</sshPrnamt>
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      <None>0</None>
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    <nameOfIssuer>VANGUARD INDEX FDS          S&amp;P 500 ETF SHS</nameOfIssuer>
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    <cusip>922908363</cusip>
    <value>28</value>
    <shrsOrPrnAmt>
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    <votingAuthority>
      <Sole>149</Sole>
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      <None>0</None>
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    <nameOfIssuer>VANGUARD INDEX REIT- ETF</nameOfIssuer>
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    <cusip>922908553</cusip>
    <value>1321</value>
    <shrsOrPrnAmt>
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    <votingAuthority>
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      <None>1180</None>
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    <nameOfIssuer>VANGUARD SMALL CAP VAL ETF</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>922908611</cusip>
    <value>55</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
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      <None>0</None>
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    <nameOfIssuer>VANGUARD INDEX FDS          VALUE ETF</nameOfIssuer>
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    <cusip>922908744</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>127405</sshPrnamt>
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    <nameOfIssuer>VANGUARD INDEX FDS          VALUE ETF</nameOfIssuer>
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    <cusip>922908744</cusip>
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    <shrsOrPrnAmt>
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    <votingAuthority>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VERIZON COMMUNICATIONS INC  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>92343V104</cusip>
    <value>3884</value>
    <shrsOrPrnAmt>
      <sshPrnamt>79875</sshPrnamt>
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    <votingAuthority>
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      <None>4628</None>
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    <nameOfIssuer>VERIZON COMMUNICATIONS INC  COM</nameOfIssuer>
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    <cusip>92343V104</cusip>
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    <nameOfIssuer>VERISK ANALYTICS INC        CL A</nameOfIssuer>
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    <cusip>92345Y106</cusip>
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    <shrsOrPrnAmt>
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    <nameOfIssuer>VISA INC                    COM CL A</nameOfIssuer>
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    <cusip>92826C839</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>3320</sshPrnamt>
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    <nameOfIssuer>VISA INC                    COM CL A</nameOfIssuer>
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    <cusip>92826C839</cusip>
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    <nameOfIssuer>VMARE, INC</nameOfIssuer>
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    <cusip>928563402</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>160</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>VODAFONE GROUP PLC NEW      SPNSR ADR NO PAR</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>92857W308</cusip>
    <value>6</value>
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    <nameOfIssuer>WGL HLDGS INC</nameOfIssuer>
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    <cusip>92924F106</cusip>
    <value>24</value>
    <shrsOrPrnAmt>
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    <votingAuthority>
      <Sole>432</Sole>
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    <nameOfIssuer>WABCO HLDGS INC</nameOfIssuer>
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    <cusip>92927K102</cusip>
    <value>76</value>
    <shrsOrPrnAmt>
      <sshPrnamt>620</sshPrnamt>
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      <Sole>620</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>W P CAREY INC</nameOfIssuer>
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    <cusip>92936U109</cusip>
    <value>28</value>
    <shrsOrPrnAmt>
      <sshPrnamt>405</sshPrnamt>
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    <votingAuthority>
      <Sole>405</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>WP GLIMCHER IN              COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>92939N102</cusip>
    <value>3</value>
    <shrsOrPrnAmt>
      <sshPrnamt>182</sshPrnamt>
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    <votingAuthority>
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      <None>182</None>
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  <infoTable>
    <nameOfIssuer>WABTEC CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>929740108</cusip>
    <value>5</value>
    <shrsOrPrnAmt>
      <sshPrnamt>57</sshPrnamt>
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      <Sole>57</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>WALMART STORES INC          COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>931142103</cusip>
    <value>755</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9177</sshPrnamt>
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    <votingAuthority>
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  <infoTable>
    <nameOfIssuer>WALMART STORES INC          COM</nameOfIssuer>
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    <cusip>931142103</cusip>
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    <shrsOrPrnAmt>
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      <Sole>450</Sole>
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    <nameOfIssuer>WALGREENS BTS ALL</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>931427108</cusip>
    <value>3722</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43951</sshPrnamt>
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    <votingAuthority>
      <Sole>41358</Sole>
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      <None>2593</None>
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    <nameOfIssuer>WALGREENS BTS ALL</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>931427108</cusip>
    <value>19</value>
    <shrsOrPrnAmt>
      <sshPrnamt>228</sshPrnamt>
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    <votingAuthority>
      <Sole>228</Sole>
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  <infoTable>
    <nameOfIssuer>WASTE MGMT INC DEL          COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>94106L109</cusip>
    <value>1642</value>
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    <votingAuthority>
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    <nameOfIssuer>WATERS CORP                 COM</nameOfIssuer>
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    <cusip>941848103</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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    <nameOfIssuer>WELLS FARGO &amp; CO NEW        COM</nameOfIssuer>
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    <cusip>949746101</cusip>
    <value>2243</value>
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    <cusip>949746101</cusip>
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    <nameOfIssuer>WESTERN DIGITAL CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>958102105</cusip>
    <value>95</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1044</sshPrnamt>
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    <nameOfIssuer>WESTERN UN CO COM</nameOfIssuer>
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    <cusip>959802109</cusip>
    <value>80</value>
    <shrsOrPrnAmt>
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    <nameOfIssuer>WEST PAC BKG CORP</nameOfIssuer>
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    <cusip>961214301</cusip>
    <value>181</value>
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    <nameOfIssuer>WHIRLPOOL CORP              COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>963320106</cusip>
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    <cusip>966244105</cusip>
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    <nameOfIssuer>WHOLE FOODS MARKET INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>966837106</cusip>
    <value>5</value>
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      <sshPrnamt>100</sshPrnamt>
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    <nameOfIssuer>WHOLE FOODS MARKET INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>966837106</cusip>
    <value>133</value>
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    <nameOfIssuer>WISCONSIN ENERGY CORP       COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>976657106</cusip>
    <value>302</value>
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    <nameOfIssuer>WISDOMTREE TR               EMG MKTS SMCAP</nameOfIssuer>
    <titleOfClass>EMERGING MARKETS-ETF</titleOfClass>
    <cusip>97717W281</cusip>
    <value>13455</value>
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    <titleOfClass>EMERGING MARKETS-ETF</titleOfClass>
    <cusip>97717W281</cusip>
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    <titleOfClass>EMERGING MARKETS-ETF</titleOfClass>
    <cusip>97717W315</cusip>
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    <votingAuthority>
      <Sole>4928</Sole>
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    <nameOfIssuer>WISDOMTREE TR DIV EX        FINLS ETF</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>97717W406</cusip>
    <value>18</value>
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