<SEC-DOCUMENT>0000950123-23-011037.txt : 20231117
<SEC-HEADER>0000950123-23-011037.hdr.sgml : 20231117
<ACCEPTANCE-DATETIME>20231117124459
ACCESSION NUMBER:		0000950123-23-011037
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20230930
FILED AS OF DATE:		20231117
DATE AS OF CHANGE:		20231117
EFFECTIVENESS DATE:		20231117

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			OLD NATIONAL BANCORP /IN/
		CENTRAL INDEX KEY:			0000707179
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				351539838
		STATE OF INCORPORATION:			IN
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		13F-HR
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	028-02327
		FILM NUMBER:		231417376

	BUSINESS ADDRESS:	
		STREET 1:		ONE MAIN ST
		CITY:			EVANSVILLE
		STATE:			IN
		ZIP:			47708
		BUSINESS PHONE:		8124641434

	MAIL ADDRESS:	
		STREET 1:		ONE MAIN ST
		CITY:			EVANSVILLE
		STATE:			IN
		ZIP:			47708

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	O
		DATE OF NAME CHANGE:	19950822
</SEC-HEADER>
<DOCUMENT>
<TYPE>13F-HR
<SEQUENCE>1
<FILENAME>primary_doc.xml
<TEXT>
<XML>
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  <schemaVersion>X0202</schemaVersion>
  <headerData>
    <submissionType>13F-HR</submissionType>
    <filerInfo>
      <liveTestFlag>LIVE</liveTestFlag>
      <flags/>
      <filer>
        <credentials>
          <cik>0000707179</cik>
          <ccc>XXXXXXXX</ccc>
        </credentials>
      </filer>
      <periodOfReport>09-30-2023</periodOfReport>
    </filerInfo>
  </headerData>
  <formData>
    <coverPage>
      <reportCalendarOrQuarter>09-30-2023</reportCalendarOrQuarter>
      <isAmendment>false</isAmendment>
      <filingManager>
        <name>OLD NATIONAL BANCORP /IN/</name>
        <address>
          <ns1:street1>ONE MAIN ST</ns1:street1>
          <ns1:city>EVANSVILLE</ns1:city>
          <ns1:stateOrCountry>IN</ns1:stateOrCountry>
          <ns1:zipCode>47708</ns1:zipCode>
        </address>
      </filingManager>
      <reportType>13F HOLDINGS REPORT</reportType>
      <form13FFileNumber>028-02327</form13FFileNumber>
      <provideInfoForInstruction5>N</provideInfoForInstruction5>
    </coverPage>
    <signatureBlock>
      <name>LAURA GOODE</name>
      <title>WEALTH OPERATIONS DIRECTOR SVP</title>
      <phone>815-280-1870</phone>
      <signature>/s/LAURA GOODE</signature>
      <city>JOLIET</city>
      <stateOrCountry>IL</stateOrCountry>
      <signatureDate>11-17-2023</signatureDate>
    </signatureBlock>
    <summaryPage>
      <otherIncludedManagersCount>0</otherIncludedManagersCount>
      <tableEntryTotal>1069</tableEntryTotal>
      <tableValueTotal>3457580448</tableValueTotal>
      <isConfidentialOmitted>false</isConfidentialOmitted>
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<DOCUMENT>
<TYPE>INFORMATION TABLE
<SEQUENCE>2
<FILENAME>28528.xml
<DESCRIPTION>INFORMATION TABLE FOR FORM 13F
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    <nameOfIssuer>COCA-COLA EUROPACIFIC PARTNE</nameOfIssuer>
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    </votingAuthority>
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      <Sole>9937</Sole>
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      <None>413</None>
    </votingAuthority>
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    <nameOfIssuer>TE CONNECTIVITY LTD</nameOfIssuer>
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      <None>0</None>
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    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>4663</sshPrnamt>
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      <sshPrnamt>248</sshPrnamt>
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    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>36303</sshPrnamt>
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    <titleOfClass>COM</titleOfClass>
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    <nameOfIssuer>ABBVIE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <nameOfIssuer>ACTIVISION BLIZZARD INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <nameOfIssuer>ADVANCED MICRO DEVICES INC</nameOfIssuer>
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    <titleOfClass>COM</titleOfClass>
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      <None>0</None>
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      <sshPrnamt>21247</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>21060</Sole>
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      <None>187</None>
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    <cusip>039483102</cusip>
    <value>291875</value>
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      <sshPrnamt>3870</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3870</Sole>
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      <None>0</None>
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      <sshPrnamt>6832</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6364</Sole>
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      <None>468</None>
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      <sshPrnamt>2518</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2518</Sole>
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      <None>0</None>
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      <sshPrnamt>2330</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2330</Sole>
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      <None>0</None>
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    <nameOfIssuer>ATMOS ENERGY CORP</nameOfIssuer>
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    <value>201267</value>
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      <sshPrnamt>1900</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1900</Sole>
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      <None>0</None>
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      <sshPrnamt>10142</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10142</Sole>
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      <None>0</None>
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    <nameOfIssuer>AUTOMATIC DATA PROCESSING IN</nameOfIssuer>
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    <cusip>053015103</cusip>
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      <sshPrnamt>11704</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11634</Sole>
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      <None>70</None>
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    <nameOfIssuer>AUTOMATIC DATA PROCESSING IN</nameOfIssuer>
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    <cusip>053015103</cusip>
    <value>307701</value>
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      <sshPrnamt>1279</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1279</Sole>
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      <None>0</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>05329W102</cusip>
    <value>302800</value>
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      <sshPrnamt>2000</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2000</Sole>
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      <None>0</None>
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    <nameOfIssuer>AUTOZONE INC</nameOfIssuer>
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    <value>2192011</value>
    <shrsOrPrnAmt>
      <sshPrnamt>863</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>829</Sole>
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      <None>34</None>
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    <nameOfIssuer>AUTOZONE INC</nameOfIssuer>
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    <value>266698</value>
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      <sshPrnamt>105</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>105</Sole>
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    <nameOfIssuer>AVANTOR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>05352A100</cusip>
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      <sshPrnamt>17809</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>16334</Sole>
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      <None>1475</None>
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    <nameOfIssuer>AVANTOR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>05352A100</cusip>
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      <sshPrnamt>1389</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1389</Sole>
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      <None>0</None>
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    <nameOfIssuer>AVERY DENNISON CORP</nameOfIssuer>
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    <cusip>053611109</cusip>
    <value>1365823</value>
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      <sshPrnamt>7477</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7477</Sole>
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      <None>0</None>
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    <nameOfIssuer>AVERY DENNISON CORP</nameOfIssuer>
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    <value>28313</value>
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      <sshPrnamt>155</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>155</Sole>
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      <None>0</None>
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    <nameOfIssuer>AXA SA</nameOfIssuer>
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    <cusip>054536107</cusip>
    <value>286127</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9590</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8670</Sole>
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      <None>920</None>
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    <nameOfIssuer>AXOGEN INC</nameOfIssuer>
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    <cusip>05463X106</cusip>
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      <sshPrnamt>12185</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10886</Sole>
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      <None>1299</None>
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    <nameOfIssuer>AXSOME THERAPEUTICS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>05464T104</cusip>
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      <sshPrnamt>2150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2150</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>AXSOME THERAPEUTICS INC</nameOfIssuer>
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      <sshPrnamt>2400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2400</Sole>
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      <None>0</None>
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    <nameOfIssuer>B &amp; G FOODS INC NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>05508R106</cusip>
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      <sshPrnamt>13750</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>13750</Sole>
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      <None>0</None>
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    <value>2391269</value>
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      <sshPrnamt>61758</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>59546</Sole>
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      <None>2212</None>
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      <sshPrnamt>9363</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>9363</Sole>
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      <None>0</None>
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    <nameOfIssuer>BNP PARIBAS</nameOfIssuer>
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    <cusip>05565A202</cusip>
    <value>273322</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8544</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8200</Sole>
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      <None>344</None>
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  <infoTable>
    <nameOfIssuer>BNP PARIBAS</nameOfIssuer>
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    <value>57198</value>
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      <sshPrnamt>1788</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1788</Sole>
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      <None>0</None>
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    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>60594</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>60594</Sole>
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      <None>0</None>
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  <infoTable>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <None>0</None>
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    <nameOfIssuer>BANCO BRADESCO S A</nameOfIssuer>
    <titleOfClass>SP ADR PFD NEW</titleOfClass>
    <cusip>059460303</cusip>
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      <sshPrnamt>13241</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10191</Sole>
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      <None>3050</None>
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    <nameOfIssuer>BANCO SANTANDER S.A.</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>05964H105</cusip>
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      <sshPrnamt>37782</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>37782</Sole>
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      <None>0</None>
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    <nameOfIssuer>BANK AMERICA CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>060505104</cusip>
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      <sshPrnamt>60611</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>60611</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>BANK AMERICA CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>060505104</cusip>
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      <sshPrnamt>4852</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>4852</Sole>
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      <None>0</None>
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    <titleOfClass>ADR</titleOfClass>
    <cusip>06738E204</cusip>
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      <sshPrnamt>34496</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>30103</Sole>
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      <None>4393</None>
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    <nameOfIssuer>BATH &amp; BODY WORKS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>070830104</cusip>
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      <sshPrnamt>307298</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>306031</Sole>
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      <None>1267</None>
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  <infoTable>
    <nameOfIssuer>BATH &amp; BODY WORKS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>070830104</cusip>
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      <sshPrnamt>14316</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>14316</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BAXTER INTL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>071813109</cusip>
    <value>537681</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14247</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>14247</Sole>
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  <infoTable>
    <nameOfIssuer>BAXTER INTL INC</nameOfIssuer>
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      <sshPrnamt>1785</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>1785</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>BECTON DICKINSON &amp; CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>075887109</cusip>
    <value>976209</value>
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      <sshPrnamt>3776</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>3776</Sole>
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  <infoTable>
    <nameOfIssuer>BECTON DICKINSON &amp; CO</nameOfIssuer>
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      <sshPrnamt>263</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>63</Sole>
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      <None>200</None>
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  <infoTable>
    <nameOfIssuer>BERKSHIRE HATHAWAY INC DEL</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
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    <value>3188862</value>
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      <sshPrnamt>6</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6</Sole>
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  <infoTable>
    <nameOfIssuer>BERKSHIRE HATHAWAY INC DEL</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>084670108</cusip>
    <value>531477</value>
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      <sshPrnamt>1</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BERKSHIRE HATHAWAY INC DEL</nameOfIssuer>
    <titleOfClass>CL B NEW</titleOfClass>
    <cusip>084670702</cusip>
    <value>5534740</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>15052</Sole>
      <Shared>0</Shared>
      <None>748</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BERKSHIRE HATHAWAY INC DEL</nameOfIssuer>
    <titleOfClass>CL B NEW</titleOfClass>
    <cusip>084670702</cusip>
    <value>1008513</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2879</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2879</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BEST BUY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>086516101</cusip>
    <value>6686001</value>
    <shrsOrPrnAmt>
      <sshPrnamt>96243</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>96243</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BEST BUY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>086516101</cusip>
    <value>134910</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1942</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1942</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BIOELECTRONICS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>09062H108</cusip>
    <value>42</value>
    <shrsOrPrnAmt>
      <sshPrnamt>107000</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>107000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BLACKROCK INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>09247X101</cusip>
    <value>10734319</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16604</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>16484</Sole>
      <Shared>0</Shared>
      <None>120</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BLACKROCK INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>09247X101</cusip>
    <value>622569</value>
    <shrsOrPrnAmt>
      <sshPrnamt>963</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>876</Sole>
      <Shared>87</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BLACKROCK TAX MUNICPAL BD TR</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>09248X100</cusip>
    <value>368827</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24329</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>24329</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BLACKSTONE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>09260D107</cusip>
    <value>607483</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5670</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5670</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BLACKSTONE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>09260D107</cusip>
    <value>107140</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>1BOEING CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>097023105</cusip>
    <value>1059990</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5530</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5520</Sole>
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      <None>10</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BOEING CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>097023105</cusip>
    <value>1144904</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5973</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>5973</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BOOKING HOLDINGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>09857L108</cusip>
    <value>1218160</value>
    <shrsOrPrnAmt>
      <sshPrnamt>395</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>386</Sole>
      <Shared>0</Shared>
      <None>9</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BOOKING HOLDINGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>09857L108</cusip>
    <value>160365</value>
    <shrsOrPrnAmt>
      <sshPrnamt>52</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>52</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BORGWARNER INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>099724106</cusip>
    <value>256026</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6342</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5830</Sole>
      <Shared>0</Shared>
      <None>512</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BORGWARNER INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>099724106</cusip>
    <value>13443</value>
    <shrsOrPrnAmt>
      <sshPrnamt>333</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>333</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BOSTON BEER INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>100557107</cusip>
    <value>210346</value>
    <shrsOrPrnAmt>
      <sshPrnamt>540</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>540</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRISTOL-MYERS SQUIBB CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>110122108</cusip>
    <value>8378886</value>
    <shrsOrPrnAmt>
      <sshPrnamt>144364</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>142782</Sole>
      <Shared>0</Shared>
      <None>1582</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRISTOL-MYERS SQUIBB CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>110122108</cusip>
    <value>1461389</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25179</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>24779</Sole>
      <Shared>400</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRITISH AMERN TOB PLC</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>110448107</cusip>
    <value>576876</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18366</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>17641</Sole>
      <Shared>0</Shared>
      <None>725</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BROADRIDGE FINL SOLUTIONS IN</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>11133T103</cusip>
    <value>589611</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3293</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3293</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BROADCOM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>11135F101</cusip>
    <value>1591391</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1916</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1836</Sole>
      <Shared>0</Shared>
      <None>80</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BROADCOM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>11135F101</cusip>
    <value>43190</value>
    <shrsOrPrnAmt>
      <sshPrnamt>52</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>52</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CBRE GROUP INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>12504L109</cusip>
    <value>474328</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6422</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6422</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CBRE GROUP INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>12504L109</cusip>
    <value>21197</value>
    <shrsOrPrnAmt>
      <sshPrnamt>287</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>287</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CDW CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>12514G108</cusip>
    <value>750950</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3722</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3722</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>THE CIGNA GROUP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>125523100</cusip>
    <value>1141133</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3989</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3825</Sole>
      <Shared>0</Shared>
      <None>164</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>THE CIGNA GROUP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>125523100</cusip>
    <value>608470</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2127</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2127</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CIM REAL ESTATE FIN TR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>12558Q103</cusip>
    <value>66449</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18008</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>18008</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CME GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>12572Q105</cusip>
    <value>409650</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2046</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2046</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CNL HEALTHCARE PPTYS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>12612C108</cusip>
    <value>71819</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24428</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>24428</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CSX CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>126408103</cusip>
    <value>3681728</value>
    <shrsOrPrnAmt>
      <sshPrnamt>119731</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>119731</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CSX CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>126408103</cusip>
    <value>138375</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CNX RES CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>12653C108</cusip>
    <value>413191</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18299</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>18299</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CNX RES CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>12653C108</cusip>
    <value>21834</value>
    <shrsOrPrnAmt>
      <sshPrnamt>967</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>967</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CVS HEALTH CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>126650100</cusip>
    <value>16410422</value>
    <shrsOrPrnAmt>
      <sshPrnamt>235039</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>233625</Sole>
      <Shared>0</Shared>
      <None>1414</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CVS HEALTH CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>126650100</cusip>
    <value>1141836</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16354</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>12092</Sole>
      <Shared>4262</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COTERRA ENERGY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>127097103</cusip>
    <value>7877771</value>
    <shrsOrPrnAmt>
      <sshPrnamt>291230</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>291230</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COTERRA ENERGY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>127097103</cusip>
    <value>296684</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10968</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>10968</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CALAMOS STRATEGIC TOTAL RETU</nameOfIssuer>
    <titleOfClass>COM SH BEN INT</titleOfClass>
    <cusip>128125101</cusip>
    <value>282455</value>
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      <sshPrnamt>20075</sshPrnamt>
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    <nameOfIssuer>CENTENE CORP DEL</nameOfIssuer>
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      <Sole>6527</Sole>
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    <nameOfIssuer>CINCINNATI FINL CORP</nameOfIssuer>
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    <nameOfIssuer>1CISCO SYS INC</nameOfIssuer>
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    <nameOfIssuer>CLOROX CO DEL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <nameOfIssuer>CLOROX CO DEL</nameOfIssuer>
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    <nameOfIssuer>COCA COLA CO</nameOfIssuer>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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    <investmentDiscretion>OTR</investmentDiscretion>
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    <nameOfIssuer>COGNIZANT TECHNOLOGY SOLUTIO</nameOfIssuer>
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    <cusip>192446102</cusip>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>657</Sole>
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      <None>0</None>
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    <cusip>194162103</cusip>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>18295</Sole>
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      <None>0</None>
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    <nameOfIssuer>COLGATE PALMOLIVE CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>194162103</cusip>
    <value>31288</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>440</Sole>
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      <None>0</None>
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    <nameOfIssuer>COMCAST CORP NEW</nameOfIssuer>
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    <cusip>20030N101</cusip>
    <value>3698310</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>83088</Sole>
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      <None>320</None>
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    <cusip>20030N101</cusip>
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      <sshPrnamt>2957</sshPrnamt>
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      <Sole>2957</Sole>
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      <None>0</None>
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    <votingAuthority>
      <Sole>197179</Sole>
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      <None>515</None>
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    <nameOfIssuer>COMERICA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>200340107</cusip>
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      <sshPrnamt>19582</sshPrnamt>
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      <Sole>11598</Sole>
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      <None>0</None>
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    <nameOfIssuer>COMPAGNIE DE ST GOBAIN</nameOfIssuer>
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      <sshPrnamt>11277</sshPrnamt>
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    <votingAuthority>
      <Sole>11277</Sole>
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      <None>0</None>
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    <nameOfIssuer>COMPASS PATHWAYS PLC</nameOfIssuer>
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      <sshPrnamt>14600</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>14600</Sole>
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      <None>0</None>
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      <sshPrnamt>213996</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>213996</Sole>
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      <None>0</None>
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    <nameOfIssuer>CONAGRA BRANDS INC</nameOfIssuer>
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    <cusip>205887102</cusip>
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      <sshPrnamt>3997</sshPrnamt>
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      <Sole>3997</Sole>
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      <None>0</None>
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    <nameOfIssuer>CONOCOPHILLIPS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>20825C104</cusip>
    <value>13704161</value>
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      <sshPrnamt>114392</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>112289</Sole>
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      <None>2103</None>
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    <nameOfIssuer>CONOCOPHILLIPS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>20825C104</cusip>
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      <sshPrnamt>6920</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>6920</Sole>
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      <None>0</None>
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    <nameOfIssuer>CONSOLIDATED EDISON INC</nameOfIssuer>
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    <cusip>209115104</cusip>
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      <sshPrnamt>8918</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8918</Sole>
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      <None>0</None>
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    <nameOfIssuer>CONSOLIDATED EDISON INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>209115104</cusip>
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      <sshPrnamt>5914</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>5737</Sole>
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    <nameOfIssuer>CONSTELLATION BRANDS INC</nameOfIssuer>
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      <sshPrnamt>44303</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>43973</Sole>
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      <None>330</None>
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    <nameOfIssuer>CONSTELLATION BRANDS INC</nameOfIssuer>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2135</Sole>
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      <None>0</None>
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    <nameOfIssuer>CONSTELLATION ENERGY CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>21037T109</cusip>
    <value>352001</value>
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      <sshPrnamt>3227</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3227</Sole>
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      <None>0</None>
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    <nameOfIssuer>CONSTELLATION ENERGY CORP</nameOfIssuer>
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    <cusip>21037T109</cusip>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>360</Sole>
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      <None>0</None>
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    <nameOfIssuer>COPART INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>217204106</cusip>
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      <sshPrnamt>578670</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>577472</Sole>
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      <None>1198</None>
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    <nameOfIssuer>COPART INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>8385</Sole>
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    <nameOfIssuer>CORE SCIENTIFIC INC</nameOfIssuer>
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    <votingAuthority>
      <Sole>44550</Sole>
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      <None>0</None>
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      <sshPrnamt>14058</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>14058</Sole>
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      <None>0</None>
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    <nameOfIssuer>CORNING INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1730</Sole>
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      <None>0</None>
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    <nameOfIssuer>CORTEVA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>14122</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13877</Sole>
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      <None>245</None>
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  <infoTable>
    <nameOfIssuer>CORTEVA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>10621</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>10621</Sole>
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      <None>0</None>
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    <nameOfIssuer>COSTCO WHSL CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>22160K105</cusip>
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      <sshPrnamt>22265</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>21302</Sole>
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  <infoTable>
    <nameOfIssuer>COSTCO WHSL CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>22160K105</cusip>
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      <sshPrnamt>1976</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>1876</Sole>
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    <nameOfIssuer>COSTAR GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>22160N109</cusip>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3890</Sole>
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      <None>0</None>
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    <nameOfIssuer>CROWN CASTLE INC</nameOfIssuer>
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    <cusip>22822V101</cusip>
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      <sshPrnamt>29147</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
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      <None>0</None>
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    <nameOfIssuer>CROWN CASTLE INC</nameOfIssuer>
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    <cusip>22822V101</cusip>
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      <sshPrnamt>1139</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>1139</Sole>
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      <None>0</None>
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    <nameOfIssuer>CROWN HLDGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>228368106</cusip>
    <value>474695</value>
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      <sshPrnamt>5365</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5365</Sole>
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      <None>0</None>
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    <nameOfIssuer>CROWN HLDGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>25216</value>
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      <sshPrnamt>285</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>285</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>CUBESMART</nameOfIssuer>
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      <sshPrnamt>148111</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>148111</Sole>
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      <None>0</None>
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    <nameOfIssuer>CUBESMART</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>16458</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>7151</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>CUMMINS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>79783</sshPrnamt>
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      <Sole>79289</Sole>
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      <None>494</None>
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    <nameOfIssuer>CUMMINS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>8358</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>8308</Sole>
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    </votingAuthority>
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    <nameOfIssuer>DBX ETF TR</nameOfIssuer>
    <titleOfClass>XTRACK MSCI EAFE</titleOfClass>
    <cusip>233051200</cusip>
    <value>1054154</value>
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      <sshPrnamt>30205</sshPrnamt>
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    <votingAuthority>
      <Sole>30205</Sole>
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    </votingAuthority>
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    <nameOfIssuer>D R HORTON INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>23331A109</cusip>
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      <sshPrnamt>8089</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>7877</Sole>
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      <None>212</None>
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  <infoTable>
    <nameOfIssuer>D R HORTON INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>23331A109</cusip>
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      <None>0</None>
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      <Sole>12333</Sole>
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      <None>0</None>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>183</Sole>
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      <None>0</None>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>63795</Sole>
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      <None>2288</None>
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      <sshPrnamt>11465</sshPrnamt>
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      <None>500</None>
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      <Sole>13783</Sole>
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      <None>0</None>
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      <Sole>3264</Sole>
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      <Sole>117</Sole>
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      <None>0</None>
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      <sshPrnamt>45789</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>45623</Sole>
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      <None>166</None>
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      <sshPrnamt>416</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>416</Sole>
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      <None>0</None>
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    <nameOfIssuer>1DEFINITIVE HEALTHCARE CORP</nameOfIssuer>
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      <sshPrnamt>20613</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>18409</Sole>
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      <None>2204</None>
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      <sshPrnamt>5128</sshPrnamt>
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    <votingAuthority>
      <Sole>4473</Sole>
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      <None>655</None>
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      <sshPrnamt>576</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>576</Sole>
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      <None>0</None>
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    <nameOfIssuer>DEVON ENERGY CORP NEW</nameOfIssuer>
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      <sshPrnamt>4437</sshPrnamt>
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    <votingAuthority>
      <Sole>4437</Sole>
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      <None>0</None>
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    <nameOfIssuer>DEXCOM INC</nameOfIssuer>
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      <sshPrnamt>3885</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3885</Sole>
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      <None>0</None>
    </votingAuthority>
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      <sshPrnamt>82618</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>81811</Sole>
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      <None>807</None>
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  <infoTable>
    <nameOfIssuer>DIAMONDBACK ENERGY INC</nameOfIssuer>
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    <cusip>25278X109</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>4765</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4765</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>DICKS SPORTING GOODS INC</nameOfIssuer>
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      <sshPrnamt>1118</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1118</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DICKS SPORTING GOODS INC</nameOfIssuer>
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      <sshPrnamt>1000</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1000</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>DISNEY WALT CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>13229</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13229</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>DISNEY WALT CO</nameOfIssuer>
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    <value>182362</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2250</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>DISCOVER FINL SVCS</nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>9423</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8754</Sole>
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      <None>669</None>
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  <infoTable>
    <nameOfIssuer>DISCOVER FINL SVCS</nameOfIssuer>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1065</Sole>
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      <None>0</None>
    </votingAuthority>
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      <sshPrnamt>4669</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4669</Sole>
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      <None>0</None>
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    <nameOfIssuer>DOLLAR GEN CORP NEW</nameOfIssuer>
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      <sshPrnamt>120</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>120</Sole>
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      <sshPrnamt>2329</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2329</Sole>
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      <None>0</None>
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      <sshPrnamt>101848</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>101848</Sole>
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      <None>0</None>
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  <infoTable>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3658</Sole>
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      <sshPrnamt>3743</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3517</Sole>
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      <None>226</None>
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      <sshPrnamt>2212</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1756</Sole>
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      <None>456</None>
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  <infoTable>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>1247</Sole>
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      <None>0</None>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6245</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
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      <None>0</None>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12905</Sole>
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      <None>0</None>
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  <infoTable>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3433</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>DUPONT DE NEMOURS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>26614N102</cusip>
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      <sshPrnamt>171158</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>170084</Sole>
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      <None>1074</None>
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  <infoTable>
    <nameOfIssuer>DUPONT DE NEMOURS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>16690</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>16690</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ENI S P A</nameOfIssuer>
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    <cusip>26874R108</cusip>
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      <sshPrnamt>9714</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9714</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EOG RES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>60167</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>59577</Sole>
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      <None>590</None>
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  <infoTable>
    <nameOfIssuer>EOG RES INC</nameOfIssuer>
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      <sshPrnamt>7689</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4784</Sole>
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    <nameOfIssuer>ENEL SOCIETA PER AZIONI</nameOfIssuer>
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    <nameOfIssuer>META PLATFORMS INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
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      <Sole>73821</Sole>
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    <nameOfIssuer>META PLATFORMS INC</nameOfIssuer>
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      <Sole>5081</Sole>
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      <None>0</None>
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    <nameOfIssuer>FACTSET RESH SYS INC</nameOfIssuer>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>754</Sole>
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  <infoTable>
    <nameOfIssuer>FACTSET RESH SYS INC</nameOfIssuer>
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    <votingAuthority>
      <Sole>7942</Sole>
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      <None>2218</None>
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    <titleOfClass>COM</titleOfClass>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>16299</Sole>
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  <infoTable>
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      <Sole>1973</Sole>
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    <cusip>31428X106</cusip>
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      <None>0</None>
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    <cusip>31620R303</cusip>
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    <votingAuthority>
      <Sole>3542</Sole>
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      <None>0</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>316773100</cusip>
    <value>931926</value>
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      <Sole>36791</Sole>
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      <None>0</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>316773100</cusip>
    <value>303124</value>
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      <None>0</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>31847R102</cusip>
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    <votingAuthority>
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      <None>0</None>
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    <cusip>31847R102</cusip>
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    <investmentDiscretion>OTR</investmentDiscretion>
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    <nameOfIssuer>FIRST FINL CORP IND</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>320218100</cusip>
    <value>693713</value>
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      <sshPrnamt>20518</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>20518</Sole>
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      <None>0</None>
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    <nameOfIssuer>FIRST FINL CORP IND</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>320218100</cusip>
    <value>95749</value>
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      <sshPrnamt>2832</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2832</Sole>
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      <None>0</None>
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    <nameOfIssuer>FIRST MERCHANTS CORP</nameOfIssuer>
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    <cusip>320817109</cusip>
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      <sshPrnamt>41204</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>41204</Sole>
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      <None>0</None>
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    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
    <titleOfClass>HLTH CARE ALPH</titleOfClass>
    <cusip>33734X143</cusip>
    <value>557406</value>
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      <sshPrnamt>5737</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5737</Sole>
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      <None>0</None>
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    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
    <titleOfClass>TECH ALPHADEX</titleOfClass>
    <cusip>33734X176</cusip>
    <value>279863</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2518</sshPrnamt>
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    <votingAuthority>
      <Sole>2518</Sole>
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    <nameOfIssuer>FIRST TR EXCH TRADED FD III</nameOfIssuer>
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    <cusip>33739P103</cusip>
    <value>1535875</value>
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    <votingAuthority>
      <Sole>28897</Sole>
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      <None>0</None>
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    <titleOfClass>COM</titleOfClass>
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    <value>673015</value>
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    <votingAuthority>
      <Sole>5958</Sole>
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      <None>0</None>
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    <nameOfIssuer>FISERV INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>397</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>397</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FIRSTENERGY CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>337932107</cusip>
    <value>261921</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7663</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6915</Sole>
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      <None>748</None>
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  <infoTable>
    <nameOfIssuer>FIRSTENERGY CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>337932107</cusip>
    <value>34248</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1002</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1002</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FLEETCOR TECHNOLOGIES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>339041105</cusip>
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      <sshPrnamt>1347</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1203</Sole>
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      <None>144</None>
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  <infoTable>
    <nameOfIssuer>FLEETCOR TECHNOLOGIES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>339041105</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>121</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>121</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>FLOOR &amp; DECOR HLDGS INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>339750101</cusip>
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      <sshPrnamt>10411</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10411</Sole>
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      <None>0</None>
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    <nameOfIssuer>FORD MTR CO DEL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>345370860</cusip>
    <value>350765</value>
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      <sshPrnamt>28242</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>28242</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>FORD MTR CO DEL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>345370860</cusip>
    <value>56436</value>
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      <sshPrnamt>4544</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4544</Sole>
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      <None>0</None>
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    <nameOfIssuer>FORTIVE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>34959J108</cusip>
    <value>334239</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4507</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3988</Sole>
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      <None>519</None>
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  <infoTable>
    <nameOfIssuer>FORTIVE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>34959J108</cusip>
    <value>141793</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1912</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1912</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FRANKLIN ELEC INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>353514102</cusip>
    <value>499509</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5598</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5598</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GALLAGHER ARTHUR J &amp; CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>363576109</cusip>
    <value>293117</value>
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      <sshPrnamt>1286</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1152</Sole>
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      <None>134</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GALLAGHER ARTHUR J &amp; CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>363576109</cusip>
    <value>23248</value>
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      <sshPrnamt>102</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>102</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>GARTNER INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>366651107</cusip>
    <value>462842</value>
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      <sshPrnamt>1347</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1299</Sole>
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      <None>48</None>
    </votingAuthority>
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    <nameOfIssuer>GENERAL DYNAMICS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>369550108</cusip>
    <value>1769085</value>
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      <sshPrnamt>8006</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7780</Sole>
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      <None>226</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GENERAL DYNAMICS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>369550108</cusip>
    <value>94575</value>
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      <sshPrnamt>428</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>428</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>GENERAL ELECTRIC CO</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>369604301</cusip>
    <value>207723</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1879</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1879</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>GENERAL ELECTRIC CO</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>369604301</cusip>
    <value>178206</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1612</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1612</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GENERAL MLS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>370334104</cusip>
    <value>1496022</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23379</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>23379</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GENERAL MLS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>370334104</cusip>
    <value>223325</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3490</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3490</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GENTEX CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>371901109</cusip>
    <value>508242</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15619</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>15619</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GENTEX CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>371901109</cusip>
    <value>26227</value>
    <shrsOrPrnAmt>
      <sshPrnamt>806</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>806</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENUINE PARTS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>372460105</cusip>
    <value>1203984</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8339</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8339</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GENUINE PARTS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>372460105</cusip>
    <value>42303</value>
    <shrsOrPrnAmt>
      <sshPrnamt>293</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>293</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GERMAN AMERN BANCORP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>373865104</cusip>
    <value>208349</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7691</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7691</Sole>
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      <None>0</None>
    </votingAuthority>
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      <sshPrnamt>4527</sshPrnamt>
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    <nameOfIssuer>IDEX CORP</nameOfIssuer>
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      <sshPrnamt>1711</sshPrnamt>
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    <nameOfIssuer>IDEXX LABS INC</nameOfIssuer>
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    <cusip>45168D104</cusip>
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      <Sole>1704</Sole>
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      <None>36</None>
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    <nameOfIssuer>ILLINOIS TOOL WKS INC</nameOfIssuer>
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      <None>0</None>
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    <nameOfIssuer>IMAGEWARE SYS INC</nameOfIssuer>
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    <nameOfIssuer>IMPERIAL OIL LTD</nameOfIssuer>
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      <Sole>656</Sole>
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      <None>0</None>
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    <nameOfIssuer>INDEXIQ ETF TR</nameOfIssuer>
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    <cusip>45409B800</cusip>
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      <Sole>14994</Sole>
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    <nameOfIssuer>INFOSYS LTD</nameOfIssuer>
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    <cusip>456788108</cusip>
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      <sshPrnamt>16443</sshPrnamt>
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      <Sole>16443</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ING GROEP N.V.</nameOfIssuer>
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    <cusip>456837103</cusip>
    <value>329104</value>
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      <sshPrnamt>24970</sshPrnamt>
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    <votingAuthority>
      <Sole>23267</Sole>
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      <None>1703</None>
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    <nameOfIssuer>ING GROEP N.V.</nameOfIssuer>
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    <cusip>456837103</cusip>
    <value>69195</value>
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      <sshPrnamt>5250</sshPrnamt>
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      <Sole>5250</Sole>
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    <nameOfIssuer>INGERSOLL RAND INC</nameOfIssuer>
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      <Sole>3703</Sole>
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      <None>309</None>
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  <infoTable>
    <nameOfIssuer>INSULET CORP</nameOfIssuer>
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      <Sole>1443</Sole>
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    <nameOfIssuer>INTEL CORP</nameOfIssuer>
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      <sshPrnamt>394188</sshPrnamt>
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    <votingAuthority>
      <Sole>392393</Sole>
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  <infoTable>
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      <sshPrnamt>33023</sshPrnamt>
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      <Sole>32523</Sole>
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  <infoTable>
    <nameOfIssuer>INTER PARFUMS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>12764</sshPrnamt>
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    <votingAuthority>
      <Sole>12764</Sole>
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      <None>0</None>
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    <nameOfIssuer>INTERCONTINENTAL EXCHANGE IN</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>45866F104</cusip>
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      <sshPrnamt>11336</sshPrnamt>
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      <Sole>11096</Sole>
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    <nameOfIssuer>INTERCONTINENTAL EXCHANGE IN</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>350</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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    <nameOfIssuer>INVESCO QQQ TR</nameOfIssuer>
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    <cusip>46138G870</cusip>
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    <cusip>46138G870</cusip>
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    <votingAuthority>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>TIPS BD ETF</titleOfClass>
    <cusip>464287176</cusip>
    <value>1985823</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19146</sshPrnamt>
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    <votingAuthority>
      <Sole>19146</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>TIPS BD ETF</titleOfClass>
    <cusip>464287176</cusip>
    <value>76337</value>
    <shrsOrPrnAmt>
      <sshPrnamt>736</sshPrnamt>
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    <votingAuthority>
      <Sole>736</Sole>
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      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P500 ETF</titleOfClass>
    <cusip>464287200</cusip>
    <value>60486503</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>139004</Sole>
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      <None>1849</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P500 ETF</titleOfClass>
    <cusip>464287200</cusip>
    <value>1548095</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3605</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE US AGGBD ET</titleOfClass>
    <cusip>464287226</cusip>
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    <shrsOrPrnAmt>
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    <votingAuthority>
      <Sole>26013</Sole>
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      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI EMG MKT ETF</titleOfClass>
    <cusip>464287234</cusip>
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    <shrsOrPrnAmt>
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    <votingAuthority>
      <Sole>29833</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <cusip>464287309</cusip>
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    <shrsOrPrnAmt>
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    <votingAuthority>
      <Sole>44348</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>S&amp;P 500 GRWT ETF</titleOfClass>
    <cusip>464287309</cusip>
    <value>325952</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4764</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4764</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>S&amp;P 500 VAL ETF</titleOfClass>
    <cusip>464287408</cusip>
    <value>1606858</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10445</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>S&amp;P 500 VAL ETF</titleOfClass>
    <cusip>464287408</cusip>
    <value>25845</value>
    <shrsOrPrnAmt>
      <sshPrnamt>168</sshPrnamt>
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    <votingAuthority>
      <Sole>168</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>1 3 YR TREAS BD</titleOfClass>
    <cusip>464287457</cusip>
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    <shrsOrPrnAmt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>40227</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI EAFE ETF</titleOfClass>
    <cusip>464287465</cusip>
    <value>5297191</value>
    <shrsOrPrnAmt>
      <sshPrnamt>76860</sshPrnamt>
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    <votingAuthority>
      <Sole>76860</Sole>
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      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI EAFE ETF</titleOfClass>
    <cusip>464287465</cusip>
    <value>293530</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4259</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4259</Sole>
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      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS MDCP VAL ETF</titleOfClass>
    <cusip>464287473</cusip>
    <value>1789326</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>17149</Sole>
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      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS MD CP GR ETF</titleOfClass>
    <cusip>464287481</cusip>
    <value>3082240</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>33062</Sole>
      <Shared>0</Shared>
      <None>679</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS MD CP GR ETF</titleOfClass>
    <cusip>464287481</cusip>
    <value>165891</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1816</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1816</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS MID CAP ETF</titleOfClass>
    <cusip>464287499</cusip>
    <value>10341448</value>
    <shrsOrPrnAmt>
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    <votingAuthority>
      <Sole>136746</Sole>
      <Shared>0</Shared>
      <None>12589</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS MID CAP ETF</titleOfClass>
    <cusip>464287499</cusip>
    <value>234203</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3382</sshPrnamt>
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    <votingAuthority>
      <Sole>3382</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P MCP ETF</titleOfClass>
    <cusip>464287507</cusip>
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    <shrsOrPrnAmt>
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    <votingAuthority>
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      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P MCP ETF</titleOfClass>
    <cusip>464287507</cusip>
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    <shrsOrPrnAmt>
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      <Sole>463</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>GLOBAL 100 ETF</titleOfClass>
    <cusip>464287572</cusip>
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    <shrsOrPrnAmt>
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      <None>2901</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>GLOBAL 100 ETF</titleOfClass>
    <cusip>464287572</cusip>
    <value>1613696</value>
    <shrsOrPrnAmt>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 1000 VAL ETF</titleOfClass>
    <cusip>464287598</cusip>
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    <shrsOrPrnAmt>
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    <votingAuthority>
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      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 1000 VAL ETF</titleOfClass>
    <cusip>464287598</cusip>
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    <shrsOrPrnAmt>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>S&amp;P MC 400GR ETF</titleOfClass>
    <cusip>464287606</cusip>
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    <shrsOrPrnAmt>
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    <votingAuthority>
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      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>S&amp;P MC 400GR ETF</titleOfClass>
    <cusip>464287606</cusip>
    <value>23405</value>
    <shrsOrPrnAmt>
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    <votingAuthority>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 1000 GRW ETF</titleOfClass>
    <cusip>464287614</cusip>
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    <shrsOrPrnAmt>
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    <votingAuthority>
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      <None>3902</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 1000 GRW ETF</titleOfClass>
    <cusip>464287614</cusip>
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    <shrsOrPrnAmt>
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    <votingAuthority>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 1000 ETF</titleOfClass>
    <cusip>464287622</cusip>
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    <shrsOrPrnAmt>
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    <votingAuthority>
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      <None>12857</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 1000 ETF</titleOfClass>
    <cusip>464287622</cusip>
    <value>72822</value>
    <shrsOrPrnAmt>
      <sshPrnamt>310</sshPrnamt>
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    <votingAuthority>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 2000 VAL ETF</titleOfClass>
    <cusip>464287630</cusip>
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    <shrsOrPrnAmt>
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    <votingAuthority>
      <Sole>9522</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUSSELL 2000 ETF</titleOfClass>
    <cusip>464287655</cusip>
    <value>13477485</value>
    <shrsOrPrnAmt>
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    <votingAuthority>
      <Sole>73117</Sole>
      <Shared>0</Shared>
      <None>3139</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUSSELL 2000 ETF</titleOfClass>
    <cusip>464287655</cusip>
    <value>483030</value>
    <shrsOrPrnAmt>
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    <votingAuthority>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P SCP ETF</titleOfClass>
    <cusip>464287804</cusip>
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    <shrsOrPrnAmt>
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    <votingAuthority>
      <Sole>35626</Sole>
      <Shared>0</Shared>
      <None>667</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P SCP ETF</titleOfClass>
    <cusip>464287804</cusip>
    <value>139325</value>
    <shrsOrPrnAmt>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
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      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>S&amp;P SML 600 GWT</titleOfClass>
    <cusip>464287887</cusip>
    <value>212559</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1938</sshPrnamt>
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    <votingAuthority>
      <Sole>1938</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>SHRT NAT MUN ETF</titleOfClass>
    <cusip>464288158</cusip>
    <value>4992412</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48536</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>48198</Sole>
      <Shared>0</Shared>
      <None>338</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>SHRT NAT MUN ETF</titleOfClass>
    <cusip>464288158</cusip>
    <value>106048</value>
    <shrsOrPrnAmt>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1031</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI ACWI EX US</titleOfClass>
    <cusip>464288240</cusip>
    <value>244452</value>
    <shrsOrPrnAmt>
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      <None>0</None>
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  <infoTable>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <shrsOrPrnAmt>
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    <votingAuthority>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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    <votingAuthority>
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    <votingAuthority>
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  <infoTable>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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  <infoTable>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <shrsOrPrnAmt>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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  <infoTable>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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  <infoTable>
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    <votingAuthority>
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  <infoTable>
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  <infoTable>
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  <infoTable>
    <nameOfIssuer>JACOBS SOLUTIONS INC</nameOfIssuer>
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    <votingAuthority>
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  <infoTable>
    <nameOfIssuer>JACOBS SOLUTIONS INC</nameOfIssuer>
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      <Sole>332</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>JEFFERIES FINL GROUP INC</nameOfIssuer>
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    <cusip>47233W109</cusip>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>46651</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>JEFFERIES FINL GROUP INC</nameOfIssuer>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1685</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>JOHN BEAN TECHNOLOGIES CORP</nameOfIssuer>
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    <cusip>477839104</cusip>
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      <sshPrnamt>2249</sshPrnamt>
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    <votingAuthority>
      <Sole>2067</Sole>
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      <None>182</None>
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  <infoTable>
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      <sshPrnamt>115183</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>113435</Sole>
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      <None>1748</None>
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  <infoTable>
    <nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
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      <sshPrnamt>556</sshPrnamt>
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      <Sole>556</Sole>
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    <nameOfIssuer>LABORATORY CORP AMER HLDGS</nameOfIssuer>
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      <Sole>4111</Sole>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>235</Sole>
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      <None>0</None>
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    <nameOfIssuer>LIBERTY BROADBAND CORP</nameOfIssuer>
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      <Sole>4913</Sole>
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      <sshPrnamt>275</sshPrnamt>
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      <Sole>275</Sole>
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      <None>0</None>
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    <nameOfIssuer>ELI LILLY &amp; CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>532457108</cusip>
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      <sshPrnamt>505205</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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    <nameOfIssuer>LINCOLN NATL CORP IND</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>534187109</cusip>
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      <sshPrnamt>1917</sshPrnamt>
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      <Sole>1917</Sole>
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  <infoTable>
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    <titleOfClass>COM</titleOfClass>
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      <Sole>6300</Sole>
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      <None>750</None>
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    <titleOfClass>COM</titleOfClass>
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    <value>197856</value>
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      <Sole>756</Sole>
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      <sshPrnamt>62</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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    <cusip>539830109</cusip>
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      <None>948</None>
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    <nameOfIssuer>MCDONALDS CORP</nameOfIssuer>
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    <titleOfClass>COM</titleOfClass>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>438</Sole>
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    <titleOfClass>COM</titleOfClass>
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      <Sole>10374</Sole>
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    <titleOfClass>COM</titleOfClass>
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      <Sole>4178</Sole>
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    <nameOfIssuer>NORTHERN EQUITY INDEX FDS</nameOfIssuer>
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      <Sole>10704</Sole>
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    <titleOfClass>COM</titleOfClass>
    <cusip>665859104</cusip>
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      <sshPrnamt>2141</sshPrnamt>
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      <Sole>2141</Sole>
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    <titleOfClass>COM</titleOfClass>
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    <nameOfIssuer>NORTHROP GRUMMAN CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>666807102</cusip>
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      <Sole>10531</Sole>
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    <nameOfIssuer>OLD NATL BANCORP IND</nameOfIssuer>
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    <nameOfIssuer>ONEOK INC NEW</nameOfIssuer>
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    <nameOfIssuer>BLUE OWL CAPITAL CORPORATION</nameOfIssuer>
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    <nameOfIssuer>PGIM GLOBAL HIGH YIELD FD FO</nameOfIssuer>
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      <Sole>3148</Sole>
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    <nameOfIssuer>1PPG INDS INC</nameOfIssuer>
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    <investmentDiscretion>OTR</investmentDiscretion>
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    <titleOfClass>COM</titleOfClass>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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    <nameOfIssuer>PALO ALTO NETWORKS INC</nameOfIssuer>
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    <cusip>697435105</cusip>
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    <nameOfIssuer>PALO ALTO NETWORKS INC</nameOfIssuer>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>1128</Sole>
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    <nameOfIssuer>PARSONS CORP DEL</nameOfIssuer>
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      <Sole>3376</Sole>
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    <nameOfIssuer>PAYCHEX INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>704326107</cusip>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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    <titleOfClass>COM</titleOfClass>
    <cusip>70432V102</cusip>
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    <titleOfClass>COM</titleOfClass>
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    <votingAuthority>
      <Sole>10159</Sole>
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      <None>0</None>
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      <Sole>4564</Sole>
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      <None>0</None>
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      <Sole>434</Sole>
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      <Sole>382948</Sole>
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    <votingAuthority>
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      <sshPrnamt>514</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>514</Sole>
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      <Sole>886</Sole>
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      <None>0</None>
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      <Sole>1139</Sole>
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    <nameOfIssuer>PRINCIPAL FINANCIAL GROUP IN</nameOfIssuer>
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    <nameOfIssuer>PROSPERITY BANCSHARES INC</nameOfIssuer>
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    <investmentDiscretion>OTR</investmentDiscretion>
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    <nameOfIssuer>PUBLIC STORAGE</nameOfIssuer>
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    <cusip>74460D109</cusip>
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      <sshPrnamt>23514</sshPrnamt>
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    <votingAuthority>
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    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>1486</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1433</Sole>
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      <sshPrnamt>39816</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>39493</Sole>
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      <None>323</None>
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    <titleOfClass>COM</titleOfClass>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1029</Sole>
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      <None>0</None>
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    <nameOfIssuer>RB GLOBAL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>74935Q107</cusip>
    <value>363375</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5814</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5388</Sole>
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      <None>426</None>
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    <nameOfIssuer>RB GLOBAL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>74935Q107</cusip>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>308</Sole>
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    <nameOfIssuer>RLI CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>749607107</cusip>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>3966</Sole>
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      <None>0</None>
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    <nameOfIssuer>RADIAN GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>750236101</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>9547</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9547</Sole>
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  <infoTable>
    <nameOfIssuer>RADIAN GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>750236101</cusip>
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      <sshPrnamt>488</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>488</Sole>
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    <nameOfIssuer>RTX CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>75513E101</cusip>
    <value>2569472</value>
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      <sshPrnamt>35702</sshPrnamt>
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      <None>0</None>
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      <None>0</None>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>9047</Sole>
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      <None>0</None>
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      <None>0</None>
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      <Sole>9007</Sole>
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      <None>2826</None>
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    <cusip>75629J101</cusip>
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      <sshPrnamt>7618</sshPrnamt>
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      <None>0</None>
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      <sshPrnamt>7764</sshPrnamt>
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      <Sole>7764</Sole>
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    <nameOfIssuer>REGIONS FINANCIAL CORP NEW</nameOfIssuer>
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      <Sole>22091</Sole>
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    <nameOfIssuer>1REPSOL S A</nameOfIssuer>
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    <votingAuthority>
      <Sole>12699</Sole>
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      <None>0</None>
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      <sshPrnamt>3954</sshPrnamt>
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    <votingAuthority>
      <Sole>3954</Sole>
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      <None>0</None>
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      <sshPrnamt>1613</sshPrnamt>
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      <Sole>1613</Sole>
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      <None>0</None>
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      <sshPrnamt>1975</sshPrnamt>
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      <Sole>1880</Sole>
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      <None>95</None>
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      <Sole>66551</Sole>
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    <votingAuthority>
      <Sole>527</Sole>
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      <None>0</None>
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    <nameOfIssuer>RINGCENTRAL INC</nameOfIssuer>
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    <votingAuthority>
      <Sole>31357</Sole>
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      <sshPrnamt>1215</sshPrnamt>
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      <Sole>1215</Sole>
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      <None>0</None>
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    <cusip>767204100</cusip>
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      <sshPrnamt>4430</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4003</Sole>
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      <None>427</None>
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      <sshPrnamt>1455</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
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      <None>0</None>
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    <nameOfIssuer>ROCHE HLDG LTD</nameOfIssuer>
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      <sshPrnamt>238535</sshPrnamt>
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    <votingAuthority>
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      <sshPrnamt>13308</sshPrnamt>
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    <nameOfIssuer>ROCKWELL AUTOMATION INC</nameOfIssuer>
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      <Sole>2108</Sole>
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      <Sole>4594</Sole>
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    <votingAuthority>
      <Sole>22565</Sole>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
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      <Sole>3374</Sole>
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    <nameOfIssuer>SLM CORP</nameOfIssuer>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>31067</Sole>
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    <titleOfClass>COM</titleOfClass>
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    <shrsOrPrnAmt>
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    <votingAuthority>
      <Sole>14709</Sole>
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      <sshPrnamt>1569</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>569</Sole>
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      <None>1000</None>
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  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>NUVEEN BLOOMBERG</titleOfClass>
    <cusip>78464A284</cusip>
    <value>1043006</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>43481</Sole>
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  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>NUVEEN BLOOMBERG</titleOfClass>
    <cusip>78464A284</cusip>
    <value>20509</value>
    <shrsOrPrnAmt>
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  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>PRTFLO S&amp;P500 GW</titleOfClass>
    <cusip>78464A409</cusip>
    <value>58118408</value>
    <shrsOrPrnAmt>
      <sshPrnamt>980405</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>PRTFLO S&amp;P500 GW</titleOfClass>
    <cusip>78464A409</cusip>
    <value>1735244</value>
    <shrsOrPrnAmt>
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    <votingAuthority>
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  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>FTSE INT GVT ETF</titleOfClass>
    <cusip>78464A490</cusip>
    <value>2629771</value>
    <shrsOrPrnAmt>
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      <Sole>67586</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>PRTFLO S&amp;P500 VL</titleOfClass>
    <cusip>78464A508</cusip>
    <value>60017414</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1454615</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1448298</Sole>
      <Shared>0</Shared>
      <None>6317</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>PRTFLO S&amp;P500 VL</titleOfClass>
    <cusip>78464A508</cusip>
    <value>2161735</value>
    <shrsOrPrnAmt>
      <sshPrnamt>52393</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>48910</Sole>
      <Shared>3483</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>PORTFOLIO LN TSR</titleOfClass>
    <cusip>78464A664</cusip>
    <value>2580142</value>
    <shrsOrPrnAmt>
      <sshPrnamt>98667</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>98667</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SS&amp;C TECHNOLOGIES HLDGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>78467J100</cusip>
    <value>511476</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9735</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9313</Sole>
      <Shared>0</Shared>
      <None>422</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SS&amp;C TECHNOLOGIES HLDGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>78467J100</cusip>
    <value>32417</value>
    <shrsOrPrnAmt>
      <sshPrnamt>617</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>617</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR DOW JONES INDL AVERAGE</nameOfIssuer>
    <titleOfClass>UT SER 1</titleOfClass>
    <cusip>78467X109</cusip>
    <value>238819</value>
    <shrsOrPrnAmt>
      <sshPrnamt>713</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>713</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TR</nameOfIssuer>
    <titleOfClass>UTSER1 S&amp;PDCRP</titleOfClass>
    <cusip>78467Y107</cusip>
    <value>8916352</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19526</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>19526</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TR</nameOfIssuer>
    <titleOfClass>UTSER1 S&amp;PDCRP</titleOfClass>
    <cusip>78467Y107</cusip>
    <value>268504</value>
    <shrsOrPrnAmt>
      <sshPrnamt>588</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>588</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>BLOOMBERG HIGH Y</titleOfClass>
    <cusip>78468R622</cusip>
    <value>1567626</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17341</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>17341</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>BLOOMBERG HIGH Y</titleOfClass>
    <cusip>78468R622</cusip>
    <value>101157</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1119</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1119</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>NUVEEN BLMBRG SH</titleOfClass>
    <cusip>78468R739</cusip>
    <value>19534625</value>
    <shrsOrPrnAmt>
      <sshPrnamt>422553</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>422553</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>NUVEEN BLMBRG SH</titleOfClass>
    <cusip>78468R739</cusip>
    <value>1839722</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39795</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>39795</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SALESFORCE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>79466L302</cusip>
    <value>14981994</value>
    <shrsOrPrnAmt>
      <sshPrnamt>73883</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>73295</Sole>
      <Shared>0</Shared>
      <None>588</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SALESFORCE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>79466L302</cusip>
    <value>645651</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3184</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3184</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SANOFI</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>80105N105</cusip>
    <value>1386754</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25853</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>24113</Sole>
      <Shared>0</Shared>
      <None>1740</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SANOFI</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>80105N105</cusip>
    <value>51172</value>
    <shrsOrPrnAmt>
      <sshPrnamt>954</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>954</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SAP SE</nameOfIssuer>
    <titleOfClass>SPON ADR</titleOfClass>
    <cusip>803054204</cusip>
    <value>275839</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2133</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1788</Sole>
      <Shared>0</Shared>
      <None>345</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SAP SE</nameOfIssuer>
    <titleOfClass>SPON ADR</titleOfClass>
    <cusip>803054204</cusip>
    <value>45003</value>
    <shrsOrPrnAmt>
      <sshPrnamt>348</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>348</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer>
    <titleOfClass>COM STK</titleOfClass>
    <cusip>806857108</cusip>
    <value>20982927</value>
    <shrsOrPrnAmt>
      <sshPrnamt>359913</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>357028</Sole>
      <Shared>0</Shared>
      <None>2885</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer>
    <titleOfClass>COM STK</titleOfClass>
    <cusip>806857108</cusip>
    <value>1020075</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17497</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>17497</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB CHARLES CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>808513105</cusip>
    <value>1043319</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19004</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>19004</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB CHARLES CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>808513105</cusip>
    <value>12517</value>
    <shrsOrPrnAmt>
      <sshPrnamt>228</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>228</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US LCAP GR ETF</titleOfClass>
    <cusip>808524300</cusip>
    <value>951177</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13080</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13080</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US LCAP VA ETF</titleOfClass>
    <cusip>808524409</cusip>
    <value>534566</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8293</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8293</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US MID-CAP ETF</titleOfClass>
    <cusip>808524508</cusip>
    <value>266320</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3935</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3935</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US SML CAP ETF</titleOfClass>
    <cusip>808524607</cusip>
    <value>7175435</value>
    <shrsOrPrnAmt>
      <sshPrnamt>173236</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>173094</Sole>
      <Shared>0</Shared>
      <None>142</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US SML CAP ETF</titleOfClass>
    <cusip>808524607</cusip>
    <value>32721</value>
    <shrsOrPrnAmt>
      <sshPrnamt>790</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>790</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>EMRG MKTEQ ETF</titleOfClass>
    <cusip>808524706</cusip>
    <value>388905</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16245</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>16245</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>INTL EQTY ETF</titleOfClass>
    <cusip>808524805</cusip>
    <value>3406154</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100299</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>100299</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>1SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US TIPS ETF</titleOfClass>
    <cusip>808524870</cusip>
    <value>346916</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6871</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6871</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI MATERIALS</titleOfClass>
    <cusip>81369Y100</cusip>
    <value>3136972</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39936</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>39366</Sole>
      <Shared>0</Shared>
      <None>570</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI MATERIALS</titleOfClass>
    <cusip>81369Y100</cusip>
    <value>190797</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2429</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2160</Sole>
      <Shared>269</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI HEALTHCARE</titleOfClass>
    <cusip>81369Y209</cusip>
    <value>18337210</value>
    <shrsOrPrnAmt>
      <sshPrnamt>142436</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>139530</Sole>
      <Shared>0</Shared>
      <None>2906</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI HEALTHCARE</titleOfClass>
    <cusip>81369Y209</cusip>
    <value>1510763</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11735</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>10608</Sole>
      <Shared>1127</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI CONS STPLS</titleOfClass>
    <cusip>81369Y308</cusip>
    <value>8459363</value>
    <shrsOrPrnAmt>
      <sshPrnamt>122938</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>121772</Sole>
      <Shared>0</Shared>
      <None>1166</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI CONS STPLS</titleOfClass>
    <cusip>81369Y308</cusip>
    <value>818082</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11889</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>11142</Sole>
      <Shared>747</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI CONS DISCR</titleOfClass>
    <cusip>81369Y407</cusip>
    <value>16212134</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100709</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>99811</Sole>
      <Shared>0</Shared>
      <None>898</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI CONS DISCR</titleOfClass>
    <cusip>81369Y407</cusip>
    <value>1997117</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12406</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>11780</Sole>
      <Shared>626</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>ENERGY</titleOfClass>
    <cusip>81369Y506</cusip>
    <value>10887023</value>
    <shrsOrPrnAmt>
      <sshPrnamt>120445</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>120166</Sole>
      <Shared>0</Shared>
      <None>279</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>ENERGY</titleOfClass>
    <cusip>81369Y506</cusip>
    <value>487563</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5394</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4909</Sole>
      <Shared>485</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>FINANCIAL</titleOfClass>
    <cusip>81369Y605</cusip>
    <value>14288740</value>
    <shrsOrPrnAmt>
      <sshPrnamt>430773</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>426686</Sole>
      <Shared>0</Shared>
      <None>4087</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>FINANCIAL</titleOfClass>
    <cusip>81369Y605</cusip>
    <value>984352</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29676</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>25240</Sole>
      <Shared>4436</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>INDL</titleOfClass>
    <cusip>81369Y704</cusip>
    <value>11687086</value>
    <shrsOrPrnAmt>
      <sshPrnamt>115280</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>114528</Sole>
      <Shared>0</Shared>
      <None>752</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>INDL</titleOfClass>
    <cusip>81369Y704</cusip>
    <value>1065605</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10511</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>9314</Sole>
      <Shared>1197</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>TECHNOLOGY</titleOfClass>
    <cusip>81369Y803</cusip>
    <value>45855974</value>
    <shrsOrPrnAmt>
      <sshPrnamt>279729</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>279147</Sole>
      <Shared>0</Shared>
      <None>582</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>TECHNOLOGY</titleOfClass>
    <cusip>81369Y803</cusip>
    <value>3338598</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20366</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>18713</Sole>
      <Shared>1653</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>COMMUNICATION</titleOfClass>
    <cusip>81369Y852</cusip>
    <value>10068601</value>
    <shrsOrPrnAmt>
      <sshPrnamt>153555</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>152808</Sole>
      <Shared>0</Shared>
      <None>747</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>COMMUNICATION</titleOfClass>
    <cusip>81369Y852</cusip>
    <value>965583</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14726</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>13451</Sole>
      <Shared>1275</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>RL EST SEL SEC</titleOfClass>
    <cusip>81369Y860</cusip>
    <value>2592079</value>
    <shrsOrPrnAmt>
      <sshPrnamt>76081</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>75385</Sole>
      <Shared>0</Shared>
      <None>696</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>RL EST SEL SEC</titleOfClass>
    <cusip>81369Y860</cusip>
    <value>157880</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4634</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3686</Sole>
      <Shared>948</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI INT-UTILS</titleOfClass>
    <cusip>81369Y886</cusip>
    <value>3252464</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55192</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>55101</Sole>
      <Shared>0</Shared>
      <None>91</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI INT-UTILS</titleOfClass>
    <cusip>81369Y886</cusip>
    <value>293707</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4984</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4545</Sole>
      <Shared>439</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEMPRA</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>816851109</cusip>
    <value>731730</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10756</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10756</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEMPRA</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>816851109</cusip>
    <value>14558</value>
    <shrsOrPrnAmt>
      <sshPrnamt>214</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>214</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SERVICENOW INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>81762P102</cusip>
    <value>452198</value>
    <shrsOrPrnAmt>
      <sshPrnamt>809</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>786</Sole>
      <Shared>0</Shared>
      <None>23</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SERVICENOW INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>81762P102</cusip>
    <value>7825</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>14</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHERWIN WILLIAMS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>824348106</cusip>
    <value>1289532</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5056</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5056</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHERWIN WILLIAMS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>824348106</cusip>
    <value>26015</value>
    <shrsOrPrnAmt>
      <sshPrnamt>102</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>102</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SONOCO PRODS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>835495102</cusip>
    <value>359960</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6623</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6623</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SONY GROUP CORP</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>835699307</cusip>
    <value>417983</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5072</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4771</Sole>
      <Shared>0</Shared>
      <None>301</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SONY GROUP CORP</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>835699307</cusip>
    <value>86283</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1047</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1047</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHSTATE CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>840441109</cusip>
    <value>394999</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5864</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5864</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHSTATE CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>840441109</cusip>
    <value>56649</value>
    <shrsOrPrnAmt>
      <sshPrnamt>841</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>841</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHERN CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>842587107</cusip>
    <value>1202497</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18580</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>18580</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHERN CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>842587107</cusip>
    <value>33719</value>
    <shrsOrPrnAmt>
      <sshPrnamt>521</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>521</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPECTRUM BRANDS HLDGS INC NE</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>84790A105</cusip>
    <value>759916</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9699</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9699</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPECTRUM BRANDS HLDGS INC NE</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>84790A105</cusip>
    <value>28206</value>
    <shrsOrPrnAmt>
      <sshPrnamt>360</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>360</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STAG INDL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>85254J102</cusip>
    <value>3029356</value>
    <shrsOrPrnAmt>
      <sshPrnamt>87782</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>87782</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STAG INDL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>85254J102</cusip>
    <value>145873</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4227</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2779</Sole>
      <Shared>1448</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STANDARD BANK GROUP LTD</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>853118206</cusip>
    <value>117794</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12079</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12079</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>855244109</cusip>
    <value>1133299</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12417</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12290</Sole>
      <Shared>0</Shared>
      <None>127</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>855244109</cusip>
    <value>433076</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4745</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4745</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STEEL DYNAMICS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>858119100</cusip>
    <value>487314</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4545</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4545</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STEEL DYNAMICS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>858119100</cusip>
    <value>742820</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6928</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2306</Sole>
      <Shared>4622</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STOCK YDS BANCORP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>861025104</cusip>
    <value>203325</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5175</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5175</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STORA ENSO OYJ</nameOfIssuer>
    <titleOfClass>SPON ADR REP R</titleOfClass>
    <cusip>86210M106</cusip>
    <value>251780</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>20000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STRYKER CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>863667101</cusip>
    <value>2627764</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9616</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9616</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STRYKER CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>863667101</cusip>
    <value>329290</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1205</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1205</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SUNCOR ENERGY INC NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>867224107</cusip>
    <value>282809</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8226</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8226</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SUNRUN INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>86771W105</cusip>
    <value>2277404</value>
    <shrsOrPrnAmt>
      <sshPrnamt>181322</sshPrnamt>
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      <None>0</None>
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      <Sole>143418</Sole>
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      <None>0</None>
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      <Sole>46856</Sole>
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      <None>679</None>
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    <nameOfIssuer>TAKE-TWO INTERACTIVE SOFTWAR</nameOfIssuer>
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    <votingAuthority>
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      <None>104</None>
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    <nameOfIssuer>TAKE-TWO INTERACTIVE SOFTWAR</nameOfIssuer>
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      <sshPrnamt>239</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>239</Sole>
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      <None>0</None>
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      <sshPrnamt>28274</sshPrnamt>
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    <votingAuthority>
      <Sole>26669</Sole>
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      <None>1605</None>
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    <votingAuthority>
      <Sole>81514</Sole>
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    <nameOfIssuer>TARGET CORP</nameOfIssuer>
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      <sshPrnamt>13168</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>13168</Sole>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3131</Sole>
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      <sshPrnamt>2109</sshPrnamt>
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      <Sole>2109</Sole>
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      <None>0</None>
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      <sshPrnamt>10781</sshPrnamt>
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    <votingAuthority>
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      <sshPrnamt>1048</sshPrnamt>
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    <votingAuthority>
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      <None>0</None>
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    <votingAuthority>
      <Sole>37628</Sole>
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      <Sole>6176</Sole>
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      <None>0</None>
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    <votingAuthority>
      <Sole>78654</Sole>
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    <nameOfIssuer>TOTALENERGIES SE</nameOfIssuer>
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    <cusip>89151E109</cusip>
    <value>1031314</value>
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    <nameOfIssuer>TOTALENERGIES SE</nameOfIssuer>
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    <cusip>89151E109</cusip>
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      <sshPrnamt>2100</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>1675</Sole>
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      <None>425</None>
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    <nameOfIssuer>TOUCHSTONE FDS GROUP TR</nameOfIssuer>
    <titleOfClass>MID CAP FD Y</titleOfClass>
    <cusip>89155H793</cusip>
    <value>202773</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4341</Sole>
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      <None>0</None>
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    <nameOfIssuer>TRACTOR SUPPLY CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>892356106</cusip>
    <value>270868</value>
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      <sshPrnamt>1334</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1334</Sole>
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      <None>0</None>
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    <nameOfIssuer>TRANSDIGM GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>893641100</cusip>
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      <sshPrnamt>476</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>476</Sole>
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      <None>0</None>
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    <nameOfIssuer>TRAVELERS COMPANIES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>89417E109</cusip>
    <value>1240829</value>
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      <sshPrnamt>7598</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7598</Sole>
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      <None>0</None>
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    <nameOfIssuer>TRAVELERS COMPANIES INC</nameOfIssuer>
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    <cusip>89417E109</cusip>
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      <sshPrnamt>923</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>923</Sole>
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    <nameOfIssuer>TREX CO INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>89531P105</cusip>
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      <sshPrnamt>3573</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
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      <None>0</None>
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    <nameOfIssuer>TRINITY INDS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>896522109</cusip>
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      <sshPrnamt>21359</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>21359</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>TRINITY INDS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>1165</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>TRUIST FINL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>89832Q109</cusip>
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    <votingAuthority>
      <Sole>222321</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>TRUIST FINL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>89832Q109</cusip>
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    <votingAuthority>
      <Sole>6896</Sole>
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    </votingAuthority>
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    <nameOfIssuer>TYLER TECHNOLOGIES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>902252105</cusip>
    <value>314704</value>
    <shrsOrPrnAmt>
      <sshPrnamt>815</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>815</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>TYSON FOODS INC</nameOfIssuer>
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    <cusip>902494103</cusip>
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      <sshPrnamt>204237</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>203566</Sole>
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      <None>671</None>
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    <cusip>902494103</cusip>
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      <sshPrnamt>16008</sshPrnamt>
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    <votingAuthority>
      <Sole>10518</Sole>
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    <cusip>902973304</cusip>
    <value>883594</value>
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      <sshPrnamt>26727</sshPrnamt>
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    <votingAuthority>
      <Sole>26727</Sole>
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      <None>0</None>
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    <nameOfIssuer>US BANCORP DEL</nameOfIssuer>
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      <Sole>1301</Sole>
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      <None>0</None>
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    <nameOfIssuer>UBER TECHNOLOGIES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>90353T100</cusip>
    <value>392156</value>
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      <sshPrnamt>8527</sshPrnamt>
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    <votingAuthority>
      <Sole>8527</Sole>
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      <None>0</None>
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    <cusip>90353T100</cusip>
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      <Sole>1225</Sole>
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      <None>0</None>
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    <nameOfIssuer>ULTA BEAUTY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>90384S303</cusip>
    <value>409835</value>
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      <sshPrnamt>1026</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>946</Sole>
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      <None>80</None>
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    <nameOfIssuer>ULTA BEAUTY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>90384S303</cusip>
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      <sshPrnamt>167</sshPrnamt>
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      <Sole>167</Sole>
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      <None>0</None>
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    <nameOfIssuer>UNICREDIT SPA</nameOfIssuer>
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    <votingAuthority>
      <Sole>15420</Sole>
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      <None>4033</None>
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    <nameOfIssuer>UNILEVER PLC</nameOfIssuer>
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    <votingAuthority>
      <Sole>14291</Sole>
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    <nameOfIssuer>UNION PAC CORP</nameOfIssuer>
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      <Sole>23688</Sole>
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    <nameOfIssuer>UNITED AIRLS HLDGS INC</nameOfIssuer>
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      <sshPrnamt>134877</sshPrnamt>
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    <votingAuthority>
      <Sole>133991</Sole>
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    <nameOfIssuer>UNITED AIRLS HLDGS INC</nameOfIssuer>
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    <value>235188</value>
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      <sshPrnamt>5560</sshPrnamt>
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      <Sole>5560</Sole>
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    <nameOfIssuer>UNITED PARCEL SERVICE INC</nameOfIssuer>
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    <cusip>911312106</cusip>
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    <votingAuthority>
      <Sole>10287</Sole>
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    <nameOfIssuer>UNITED PARCEL SERVICE INC</nameOfIssuer>
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      <Sole>815</Sole>
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      <sshPrnamt>1090</sshPrnamt>
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      <Sole>990</Sole>
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      <None>100</None>
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      <sshPrnamt>276</sshPrnamt>
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    <nameOfIssuer>US FOODS HLDG CORP</nameOfIssuer>
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    <votingAuthority>
      <Sole>6881</Sole>
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    <investmentDiscretion>OTR</investmentDiscretion>
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    <nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>49554</Sole>
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      <Sole>2430</Sole>
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    <nameOfIssuer>UNUM GROUP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>91529Y106</cusip>
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    <votingAuthority>
      <Sole>943</Sole>
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  <infoTable>
    <nameOfIssuer>UNUM GROUP</nameOfIssuer>
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      <Sole>9356</Sole>
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    <nameOfIssuer>VALE S A</nameOfIssuer>
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      <Sole>27068</Sole>
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    <nameOfIssuer>VALERO ENERGY CORP</nameOfIssuer>
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      <Sole>13127</Sole>
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    <nameOfIssuer>1VANECK ETF TRUST</nameOfIssuer>
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    <cusip>92189F106</cusip>
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      <Sole>207995</Sole>
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    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
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    <cusip>92189H201</cusip>
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      <Sole>9621</Sole>
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    <nameOfIssuer>VANGUARD SPECIALIZED FUNDS</nameOfIssuer>
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    <cusip>921908844</cusip>
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      <Sole>60013</Sole>
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    <nameOfIssuer>VANGUARD SPECIALIZED FUNDS</nameOfIssuer>
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      <Sole>6780</Sole>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
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      <Sole>21136</Sole>
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  <infoTable>
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    <cusip>921932828</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>99265</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>98405</Sole>
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      <None>860</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD ADMIRAL FDS INC</nameOfIssuer>
    <titleOfClass>SMLLCP 600 IDX</titleOfClass>
    <cusip>921932828</cusip>
    <value>436825</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4998</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4998</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD ADMIRAL FDS INC</nameOfIssuer>
    <titleOfClass>MIDCP 400 IDX</titleOfClass>
    <cusip>921932885</cusip>
    <value>7938634</value>
    <shrsOrPrnAmt>
      <sshPrnamt>93915</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>93915</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD ADMIRAL FDS INC</nameOfIssuer>
    <titleOfClass>MIDCP 400 IDX</titleOfClass>
    <cusip>921932885</cusip>
    <value>297883</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3524</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3524</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
    <titleOfClass>INTERMED TERM</titleOfClass>
    <cusip>921937819</cusip>
    <value>1465000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20260</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>20260</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
    <titleOfClass>INTERMED TERM</titleOfClass>
    <cusip>921937819</cusip>
    <value>129724</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1794</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1794</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
    <titleOfClass>SHORT TRM BOND</titleOfClass>
    <cusip>921937827</cusip>
    <value>14462783</value>
    <shrsOrPrnAmt>
      <sshPrnamt>192401</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>191575</Sole>
      <Shared>0</Shared>
      <None>826</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
    <titleOfClass>SHORT TRM BOND</titleOfClass>
    <cusip>921937827</cusip>
    <value>36607</value>
    <shrsOrPrnAmt>
      <sshPrnamt>487</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>487</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD TAX-MANAGED FDS</nameOfIssuer>
    <titleOfClass>VAN FTSE DEV MKT</titleOfClass>
    <cusip>921943858</cusip>
    <value>44245995</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1012031</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1005580</Sole>
      <Shared>0</Shared>
      <None>6451</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD TAX-MANAGED FDS</nameOfIssuer>
    <titleOfClass>VAN FTSE DEV MKT</titleOfClass>
    <cusip>921943858</cusip>
    <value>2081946</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47620</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>43119</Sole>
      <Shared>4501</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
    <titleOfClass>HIGH DIV YLD</titleOfClass>
    <cusip>921946406</cusip>
    <value>19575007</value>
    <shrsOrPrnAmt>
      <sshPrnamt>189460</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>187795</Sole>
      <Shared>0</Shared>
      <None>1665</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
    <titleOfClass>HIGH DIV YLD</titleOfClass>
    <cusip>921946406</cusip>
    <value>1932187</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18701</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>18701</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
    <titleOfClass>INTL HIGH ETF</titleOfClass>
    <cusip>921946794</cusip>
    <value>265569</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4291</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4291</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD MALVERN FDS</nameOfIssuer>
    <titleOfClass>STRM INFPROIDX</titleOfClass>
    <cusip>922020805</cusip>
    <value>262356</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5549</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5549</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
    <titleOfClass>ALLWRLD EX US</titleOfClass>
    <cusip>922042775</cusip>
    <value>589606</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11367</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11367</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
    <titleOfClass>ALLWRLD EX US</titleOfClass>
    <cusip>922042775</cusip>
    <value>15664</value>
    <shrsOrPrnAmt>
      <sshPrnamt>302</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>302</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
    <titleOfClass>FTSE EMR MKT ETF</titleOfClass>
    <cusip>922042858</cusip>
    <value>11231939</value>
    <shrsOrPrnAmt>
      <sshPrnamt>286456</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>284100</Sole>
      <Shared>0</Shared>
      <None>2356</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
    <titleOfClass>FTSE EMR MKT ETF</titleOfClass>
    <cusip>922042858</cusip>
    <value>604147</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15408</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>14371</Sole>
      <Shared>1037</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
    <titleOfClass>INF TECH ETF</titleOfClass>
    <cusip>92204A702</cusip>
    <value>2969854</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7158</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6285</Sole>
      <Shared>0</Shared>
      <None>873</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
    <titleOfClass>INF TECH ETF</titleOfClass>
    <cusip>92204A702</cusip>
    <value>30287</value>
    <shrsOrPrnAmt>
      <sshPrnamt>73</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>73</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>SHORT TERM TREAS</titleOfClass>
    <cusip>92206C102</cusip>
    <value>35402572</value>
    <shrsOrPrnAmt>
      <sshPrnamt>614628</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>611084</Sole>
      <Shared>0</Shared>
      <None>3544</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>SHORT TERM TREAS</titleOfClass>
    <cusip>92206C102</cusip>
    <value>337248</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5855</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>5855</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>SHRT TRM CORP BD</titleOfClass>
    <cusip>92206C409</cusip>
    <value>22121905</value>
    <shrsOrPrnAmt>
      <sshPrnamt>294370</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>292733</Sole>
      <Shared>0</Shared>
      <None>1637</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>SHRT TRM CORP BD</titleOfClass>
    <cusip>92206C409</cusip>
    <value>573995</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7638</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>7638</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>VNG RUS2000IDX</titleOfClass>
    <cusip>92206C664</cusip>
    <value>3439264</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48142</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>48142</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>VNG RUS2000IDX</titleOfClass>
    <cusip>92206C664</cusip>
    <value>187958</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2631</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1946</Sole>
      <Shared>685</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>INTER TERM TREAS</titleOfClass>
    <cusip>92206C706</cusip>
    <value>16141503</value>
    <shrsOrPrnAmt>
      <sshPrnamt>282441</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>281153</Sole>
      <Shared>0</Shared>
      <None>1288</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>INTER TERM TREAS</titleOfClass>
    <cusip>92206C706</cusip>
    <value>224599</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3930</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3930</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>MTG-BKD SECS ETF</titleOfClass>
    <cusip>92206C771</cusip>
    <value>4668480</value>
    <shrsOrPrnAmt>
      <sshPrnamt>106635</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>105231</Sole>
      <Shared>0</Shared>
      <None>1404</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>MTG-BKD SECS ETF</titleOfClass>
    <cusip>92206C771</cusip>
    <value>63305</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1446</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1446</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>INT-TERM CORP</titleOfClass>
    <cusip>92206C870</cusip>
    <value>17102870</value>
    <shrsOrPrnAmt>
      <sshPrnamt>225097</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>222425</Sole>
      <Shared>0</Shared>
      <None>2672</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>INT-TERM CORP</titleOfClass>
    <cusip>92206C870</cusip>
    <value>161229</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2122</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2122</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VEEVA SYS INC</nameOfIssuer>
    <titleOfClass>CL A COM</titleOfClass>
    <cusip>922475108</cusip>
    <value>9038876</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44428</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>44058</Sole>
      <Shared>0</Shared>
      <None>370</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VEEVA SYS INC</nameOfIssuer>
    <titleOfClass>CL A COM</titleOfClass>
    <cusip>922475108</cusip>
    <value>349730</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1719</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1719</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD MUN BD FDS</nameOfIssuer>
    <titleOfClass>TAX EXEMPT BD</titleOfClass>
    <cusip>922907746</cusip>
    <value>1590907</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33075</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>32835</Sole>
      <Shared>0</Shared>
      <None>240</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD MUN BD FDS</nameOfIssuer>
    <titleOfClass>TAX EXEMPT BD</titleOfClass>
    <cusip>922907746</cusip>
    <value>32034</value>
    <shrsOrPrnAmt>
      <sshPrnamt>666</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>666</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>S&amp;P 500 ETF SHS</titleOfClass>
    <cusip>922908363</cusip>
    <value>156327586</value>
    <shrsOrPrnAmt>
      <sshPrnamt>398084</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>395746</Sole>
      <Shared>367</Shared>
      <None>1971</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>S&amp;P 500 ETF SHS</titleOfClass>
    <cusip>922908363</cusip>
    <value>13059631</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33256</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>32438</Sole>
      <Shared>818</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MCAP VL IDXVIP</titleOfClass>
    <cusip>922908512</cusip>
    <value>5057544</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38619</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>38598</Sole>
      <Shared>0</Shared>
      <None>21</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MCAP VL IDXVIP</titleOfClass>
    <cusip>922908512</cusip>
    <value>634501</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4845</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4576</Sole>
      <Shared>269</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MCAP GR IDXVIP</titleOfClass>
    <cusip>922908538</cusip>
    <value>4857563</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24940</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>24926</Sole>
      <Shared>0</Shared>
      <None>14</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MCAP GR IDXVIP</titleOfClass>
    <cusip>922908538</cusip>
    <value>247357</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1270</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1083</Sole>
      <Shared>187</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>REAL ESTATE ETF</titleOfClass>
    <cusip>922908553</cusip>
    <value>2420287</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31989</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>28974</Sole>
      <Shared>0</Shared>
      <None>3015</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>REAL ESTATE ETF</titleOfClass>
    <cusip>922908553</cusip>
    <value>667699</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8825</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>8825</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>SML CP GRW ETF</titleOfClass>
    <cusip>922908595</cusip>
    <value>7870258</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36746</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>36616</Sole>
      <Shared>0</Shared>
      <None>130</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>SML CP GRW ETF</titleOfClass>
    <cusip>922908595</cusip>
    <value>295568</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1380</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1136</Sole>
      <Shared>244</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>SM CP VAL ETF</titleOfClass>
    <cusip>922908611</cusip>
    <value>8320114</value>
    <shrsOrPrnAmt>
      <sshPrnamt>52167</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>51992</Sole>
      <Shared>0</Shared>
      <None>175</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>SM CP VAL ETF</titleOfClass>
    <cusip>922908611</cusip>
    <value>529666</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3321</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2965</Sole>
      <Shared>356</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MID CAP ETF</titleOfClass>
    <cusip>922908629</cusip>
    <value>1086388</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5217</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5217</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MID CAP ETF</titleOfClass>
    <cusip>922908629</cusip>
    <value>69135</value>
    <shrsOrPrnAmt>
      <sshPrnamt>332</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>332</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>1VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>LARGE CAP ETF</titleOfClass>
    <cusip>922908637</cusip>
    <value>278858</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1425</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1425</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>LARGE CAP ETF</titleOfClass>
    <cusip>922908637</cusip>
    <value>213497</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1091</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1091</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>GROWTH ETF</titleOfClass>
    <cusip>922908736</cusip>
    <value>327044</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1201</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1201</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>GROWTH ETF</titleOfClass>
    <cusip>922908736</cusip>
    <value>191978</value>
    <shrsOrPrnAmt>
      <sshPrnamt>705</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>705</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>VALUE ETF</titleOfClass>
    <cusip>922908744</cusip>
    <value>2187569</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15860</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>15525</Sole>
      <Shared>0</Shared>
      <None>335</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>VALUE ETF</titleOfClass>
    <cusip>922908744</cusip>
    <value>408410</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2961</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2716</Sole>
      <Shared>245</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>SMALL CP ETF</titleOfClass>
    <cusip>922908751</cusip>
    <value>477968</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2528</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2528</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>SMALL CP ETF</titleOfClass>
    <cusip>922908751</cusip>
    <value>46322</value>
    <shrsOrPrnAmt>
      <sshPrnamt>245</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>245</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>TOTAL STK MKT</titleOfClass>
    <cusip>922908769</cusip>
    <value>539733</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2541</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2541</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>TOTAL STK MKT</titleOfClass>
    <cusip>922908769</cusip>
    <value>2376655</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11189</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>11189</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERANO HLDGS CORP</nameOfIssuer>
    <titleOfClass>COM SUB VTG SHS</titleOfClass>
    <cusip>92338D101</cusip>
    <value>214063</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47047</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>47047</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92343V104</cusip>
    <value>9315152</value>
    <shrsOrPrnAmt>
      <sshPrnamt>287416</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>287416</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92343V104</cusip>
    <value>798225</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24629</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>24129</Sole>
      <Shared>0</Shared>
      <None>500</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERISK ANALYTICS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92345Y106</cusip>
    <value>813846</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3445</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3445</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VIPSHOP HLDGS LTD</nameOfIssuer>
    <titleOfClass>SPONSORED ADS A</titleOfClass>
    <cusip>92763W103</cusip>
    <value>162709</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10163</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10163</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VIRTU FINL INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>928254101</cusip>
    <value>6096966</value>
    <shrsOrPrnAmt>
      <sshPrnamt>353038</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>353038</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VIRTU FINL INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>928254101</cusip>
    <value>90253</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5226</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>5226</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VISA INC</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>92826C839</cusip>
    <value>29379867</value>
    <shrsOrPrnAmt>
      <sshPrnamt>127733</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>125891</Sole>
      <Shared>0</Shared>
      <None>1842</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VISA INC</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>92826C839</cusip>
    <value>3233020</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14056</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>14056</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VITAL FARMS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92847W103</cusip>
    <value>139620</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12057</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10790</Sole>
      <Shared>0</Shared>
      <None>1267</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VODAFONE GROUP PLC NEW</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>92857W308</cusip>
    <value>50386</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5315</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5315</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VODAFONE GROUP PLC NEW</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>92857W308</cusip>
    <value>77745</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8201</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>8201</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WEC ENERGY GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92939U106</cusip>
    <value>9052209</value>
    <shrsOrPrnAmt>
      <sshPrnamt>112380</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>111722</Sole>
      <Shared>0</Shared>
      <None>658</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WEC ENERGY GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92939U106</cusip>
    <value>454785</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5646</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>5646</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WABTEC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>929740108</cusip>
    <value>263443</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2479</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2224</Sole>
      <Shared>0</Shared>
      <None>255</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WABTEC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>929740108</cusip>
    <value>23910</value>
    <shrsOrPrnAmt>
      <sshPrnamt>225</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>225</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WALMART INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>931142103</cusip>
    <value>4888100</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30564</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>29335</Sole>
      <Shared>0</Shared>
      <None>1229</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WALMART INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>931142103</cusip>
    <value>495623</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3099</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3099</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WALGREENS BOOTS ALLIANCE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>931427108</cusip>
    <value>659727</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29664</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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</SEC-DOCUMENT>
