<SEC-DOCUMENT>0000950123-13-004694.txt : 20130715
<SEC-HEADER>0000950123-13-004694.hdr.sgml : 20130715
<ACCEPTANCE-DATETIME>20130715164227
ACCESSION NUMBER:		0000950123-13-004694
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20130630
FILED AS OF DATE:		20130715
DATE AS OF CHANGE:		20130715
EFFECTIVENESS DATE:		20130715

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			CULLEN/FROST BANKERS, INC.
		CENTRAL INDEX KEY:			0000039263
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				741751768
		STATE OF INCORPORATION:			TX
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		13F-HR
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	028-00183
		FILM NUMBER:		13968612

	BUSINESS ADDRESS:	
		STREET 1:		100 W HOUSTON ST
		CITY:			SAN ANTONIO
		STATE:			TX
		ZIP:			78205
		BUSINESS PHONE:		210-220-4011

	MAIL ADDRESS:	
		STREET 1:		POST OFFICE BOX 1600
		CITY:			SAN ANTONIO
		STATE:			TX
		ZIP:			78296-1600

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	CULLEN FROST BANKERS INC
		DATE OF NAME CHANGE:	19920703

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	FROST BANK CORP
		DATE OF NAME CHANGE:	19770823
</SEC-HEADER>
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<TYPE>13F-HR
<SEQUENCE>1
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      <filer>
        <credentials>
          <cik>0000039263</cik>
          <ccc>XXXXXXXX</ccc>
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      <periodOfReport>06-30-2013</periodOfReport>
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    <coverPage>
      <reportCalendarOrQuarter>06-30-2013</reportCalendarOrQuarter>
      <filingManager>
        <name>CULLEN/FROST BANKERS, INC.</name>
        <address>
          <ns1:street1>POST OFFICE BOX 1600</ns1:street1>
          <ns1:city>SAN ANTONIO</ns1:city>
          <ns1:stateOrCountry>TX</ns1:stateOrCountry>
          <ns1:zipCode>78296-1600</ns1:zipCode>
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      <provideInfoForInstruction5>N</provideInfoForInstruction5>
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    <signatureBlock>
      <name>STAN MCCORMICK</name>
      <title>COPORATE SECRETARY - SR. V.P.</title>
      <phone>210-220-4310</phone>
      <signature>STAN MCCORMICK</signature>
      <city>SAN ANTONIO</city>
      <stateOrCountry>TX</stateOrCountry>
      <signatureDate>07-01-2013</signatureDate>
    </signatureBlock>
    <summaryPage>
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       <nameOfIssuer>ISHARES COHEN &amp; STEERS REALTY</nameOfIssuer>
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       <nameOfIssuer>ISHARES COHEN &amp; STEERS REALTY</nameOfIssuer>
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       <nameOfIssuer>ISHARES CORE S &amp; P MID-CAP ETF</nameOfIssuer>
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       <cusip>464287507</cusip>
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       <nameOfIssuer>ISHARES CORE TOTAL US BD MKT E</nameOfIssuer>
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       <nameOfIssuer>ISHARES DJ SELECT DIV INDEX FD</nameOfIssuer>
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   <infoTable>
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       <nameOfIssuer>ISHARES IBOXX $ H/Y CORP BOND</nameOfIssuer>
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       <nameOfIssuer>ISHARES IBOXX $ H/Y CORP BOND</nameOfIssuer>
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       <nameOfIssuer>ISHARES IBOXX $ INVT GRADE COR</nameOfIssuer>
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       <nameOfIssuer>ISHARES IBOXX $ INVT GRADE COR</nameOfIssuer>
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       <nameOfIssuer>ISHARES JP MORGAN USD EMERGING</nameOfIssuer>
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       <nameOfIssuer>ISHARES JP MORGAN USD EMERGING</nameOfIssuer>
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       <nameOfIssuer>ISHARES MSCI EAFE INDEX FUND E</nameOfIssuer>
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       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>334</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>PROCTER &amp; GAMBLE CO COM *</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>742718109</cusip>
       <value>13111</value>
       <shrsOrPrnAmt>
           <sshPrnamt>170301</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>163411</Sole>
           <Shared>0</Shared>
           <None>6890</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>PROCTER &amp; GAMBLE CO COM *</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>742718109</cusip>
       <value>2480</value>
       <shrsOrPrnAmt>
           <sshPrnamt>32209</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>32209</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>PROSPERITY BANCSHARES INC COM</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>743606105</cusip>
       <value>1013</value>
       <shrsOrPrnAmt>
           <sshPrnamt>19562</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>19562</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>QUALCOMM INC COM*</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>747525103</cusip>
       <value>14616</value>
       <shrsOrPrnAmt>
           <sshPrnamt>239259</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>235906</Sole>
           <Shared>0</Shared>
           <None>3353</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>QUALCOMM INC COM*</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>747525103</cusip>
       <value>1081</value>
       <shrsOrPrnAmt>
           <sshPrnamt>17700</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>17700</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>RAYTHEON CO NEW COM*</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>755111507</cusip>
       <value>1099</value>
       <shrsOrPrnAmt>
           <sshPrnamt>16621</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>14158</Sole>
           <Shared>0</Shared>
           <None>2463</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>RAYTHEON CO NEW COM*</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>755111507</cusip>
       <value>136</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2060</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>2060</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ROCKWELL AUTOMATION INC COM *</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>773903109</cusip>
       <value>1219</value>
       <shrsOrPrnAmt>
           <sshPrnamt>14661</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>14661</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ROCKWELL AUTOMATION INC COM *</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>773903109</cusip>
       <value>338</value>
       <shrsOrPrnAmt>
           <sshPrnamt>4065</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>4065</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ROSS STORES INC COM</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>778296103</cusip>
       <value>518</value>
       <shrsOrPrnAmt>
           <sshPrnamt>8000</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>8000</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>RUSH ENTERPRISES INC CLASS B C</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>781846308</cusip>
       <value>86073</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3999652</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>3999652</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SELECT SECTOR SPDR FD - ENERGY</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>81369Y506</cusip>
       <value>1954</value>
       <shrsOrPrnAmt>
           <sshPrnamt>24953</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>24953</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SELECT SECTOR SPDR FD - ENERGY</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>81369Y506</cusip>
       <value>73</value>
       <shrsOrPrnAmt>
           <sshPrnamt>930</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>930</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SELECT SECTOR SPDR FD - FINL E</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>81369Y605</cusip>
       <value>975</value>
       <shrsOrPrnAmt>
           <sshPrnamt>50150</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>50150</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SELECT SECTOR SPDR FD - FINL E</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>81369Y605</cusip>
       <value>154</value>
       <shrsOrPrnAmt>
           <sshPrnamt>7945</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>7945</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SELECT SECTOR SPDR FD - INDSTR</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>81369Y704</cusip>
       <value>10619</value>
       <shrsOrPrnAmt>
           <sshPrnamt>249046</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>249046</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SELECT SECTOR SPDR FD HLTH CAR</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>81369Y209</cusip>
       <value>246</value>
       <shrsOrPrnAmt>
           <sshPrnamt>5169</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>4814</Sole>
           <Shared>0</Shared>
           <None>355</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SELECT SECTOR SPDR FD HLTH CAR</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>81369Y209</cusip>
       <value>58</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1222</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>1222</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SEMPRA ENERGY COM</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>816851109</cusip>
       <value>110</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1349</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>1349</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SEMPRA ENERGY COM</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>816851109</cusip>
       <value>95</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1167</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>1167</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SHERWIN-WILLIAMS CO COM</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>824348106</cusip>
       <value>235</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1329</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>1329</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SIGMA-ALDRICH CORP COM</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>826552101</cusip>
       <value>257</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3200</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>3200</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SILICON LABORATORIES INC COM*</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>826919102</cusip>
       <value>3903</value>
       <shrsOrPrnAmt>
           <sshPrnamt>94247</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>88354</Sole>
           <Shared>0</Shared>
           <None>5893</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SILICON LABORATORIES INC COM*</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>826919102</cusip>
       <value>1040</value>
       <shrsOrPrnAmt>
           <sshPrnamt>25113</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>25113</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SIMON PROPERTY GROUP REIT NEW</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>828806109</cusip>
       <value>228</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1443</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>1443</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SOUTHERN CO COM</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>842587107</cusip>
       <value>1516</value>
       <shrsOrPrnAmt>
           <sshPrnamt>34364</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>34364</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SOUTHERN CO COM</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>842587107</cusip>
       <value>274</value>
       <shrsOrPrnAmt>
           <sshPrnamt>6216</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>6216</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SOUTHWEST AIRLINES CO COM*</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>844741108</cusip>
       <value>2166</value>
       <shrsOrPrnAmt>
           <sshPrnamt>168034</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>145446</Sole>
           <Shared>0</Shared>
           <None>22588</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SOUTHWEST AIRLINES CO COM*</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>844741108</cusip>
       <value>1303</value>
       <shrsOrPrnAmt>
           <sshPrnamt>101114</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>101114</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SPDR BARCLAYS CAP CONV SEC&apos;S E</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>78464A359</cusip>
       <value>174</value>
       <shrsOrPrnAmt>
           <sshPrnamt>4079</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>4079</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SPDR BARCLAYS CAP CONV SEC&apos;S E</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>78464A359</cusip>
       <value>31</value>
       <shrsOrPrnAmt>
           <sshPrnamt>730</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>730</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SPDR BARCLAYS CAPITAL HI YLD B</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>78464A417</cusip>
       <value>472</value>
       <shrsOrPrnAmt>
           <sshPrnamt>11960</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>11960</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SPDR BARCLAYS CAPITAL HI YLD B</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>78464A417</cusip>
       <value>33</value>
       <shrsOrPrnAmt>
           <sshPrnamt>830</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>830</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SPDR BARCLAYS INTL TREAS BOND</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>78464A516</cusip>
       <value>179</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3185</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>3185</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SPDR BARCLAYS INTL TREAS BOND</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>78464A516</cusip>
       <value>63</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1120</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>1120</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SPDR DJ WILSHIRE INTL RE ETF*</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>78463X863</cusip>
       <value>521</value>
       <shrsOrPrnAmt>
           <sshPrnamt>13067</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>13067</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SPDR DJ WILSHIRE INTL RE ETF*</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>78463X863</cusip>
       <value>12</value>
       <shrsOrPrnAmt>
           <sshPrnamt>300</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
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       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>73755L107</cusip>
       <value>891</value>
       <shrsOrPrnAmt>
           <sshPrnamt>23376</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>23376</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>POTASH CORP SASK INC COM*</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>73755L107</cusip>
       <value>16</value>
       <shrsOrPrnAmt>
           <sshPrnamt>410</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>410</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>RIO TINTO PLC SPON ADR*</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>767204100</cusip>
       <value>8266</value>
       <shrsOrPrnAmt>
           <sshPrnamt>201212</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>199455</Sole>
           <Shared>0</Shared>
           <None>1757</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>RIO TINTO PLC SPON ADR*</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>767204100</cusip>
       <value>603</value>
       <shrsOrPrnAmt>
           <sshPrnamt>14682</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>14582</Sole>
           <Shared>0</Shared>
           <None>100</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ROWAN COMPANIES PLC</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>G7665A101</cusip>
       <value>307</value>
       <shrsOrPrnAmt>
           <sshPrnamt>9000</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>8000</Sole>
           <Shared>0</Shared>
           <None>1000</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ROWAN COMPANIES PLC</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>G7665A101</cusip>
       <value>6</value>
       <shrsOrPrnAmt>
           <sshPrnamt>175</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>175</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ROYAL DUTCH SHELL PLC ADR CL A</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>780259206</cusip>
       <value>3266</value>
       <shrsOrPrnAmt>
           <sshPrnamt>51192</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>47692</Sole>
           <Shared>0</Shared>
           <None>3500</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ROYAL DUTCH SHELL PLC ADR CL A</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>780259206</cusip>
       <value>325</value>
       <shrsOrPrnAmt>
           <sshPrnamt>5090</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>5090</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SANOFI SPONSORED ADR*</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>80105N105</cusip>
       <value>172</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3346</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>2846</Sole>
           <Shared>0</Shared>
           <None>500</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SANOFI SPONSORED ADR*</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>80105N105</cusip>
       <value>73</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1425</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>1425</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SAP AG SPONSORED ADR*</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>803054204</cusip>
       <value>5927</value>
       <shrsOrPrnAmt>
           <sshPrnamt>81381</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>80981</Sole>
           <Shared>0</Shared>
           <None>400</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SAP AG SPONSORED ADR*</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>803054204</cusip>
       <value>260</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3575</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>3575</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SCHLUMBERGER LIMITED COM*</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>806857108</cusip>
       <value>32590</value>
       <shrsOrPrnAmt>
           <sshPrnamt>454789</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>154509</Sole>
           <Shared>297435</Shared>
           <None>2845</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SCHLUMBERGER LIMITED COM*</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>806857108</cusip>
       <value>1773</value>
       <shrsOrPrnAmt>
           <sshPrnamt>24748</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>24748</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SEADRILL LTD*</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>G7945E105</cusip>
       <value>3415</value>
       <shrsOrPrnAmt>
           <sshPrnamt>83818</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>82118</Sole>
           <Shared>0</Shared>
           <None>1700</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SEADRILL LTD*</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>G7945E105</cusip>
       <value>119</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2918</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>2818</Sole>
           <Shared>0</Shared>
           <None>100</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>STATOIL ASA - SPONSORED ADR*</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>85771P102</cusip>
       <value>244</value>
       <shrsOrPrnAmt>
           <sshPrnamt>11780</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>11780</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>STATOIL ASA - SPONSORED ADR*</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>85771P102</cusip>
       <value>22</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1052</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>952</Sole>
           <Shared>0</Shared>
           <None>100</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SUNCOR ENERGY INC*</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>867224107</cusip>
       <value>740</value>
       <shrsOrPrnAmt>
           <sshPrnamt>25088</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>25088</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SUNCOR ENERGY INC*</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>867224107</cusip>
       <value>383</value>
       <shrsOrPrnAmt>
           <sshPrnamt>13000</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>13000</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SYNGENTA AG ADR*</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>87160A100</cusip>
       <value>589</value>
       <shrsOrPrnAmt>
           <sshPrnamt>7565</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>7565</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SYNGENTA AG ADR*</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>87160A100</cusip>
       <value>21</value>
       <shrsOrPrnAmt>
           <sshPrnamt>276</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>276</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TEVA PHARMACEUTICAL INDS LTD A</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>881624209</cusip>
       <value>3015</value>
       <shrsOrPrnAmt>
           <sshPrnamt>76902</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>68022</Sole>
           <Shared>0</Shared>
           <None>8880</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TEVA PHARMACEUTICAL INDS LTD A</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>881624209</cusip>
       <value>33</value>
       <shrsOrPrnAmt>
           <sshPrnamt>852</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>852</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TOTAL S.A. SPONSORED ADR*</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>89151E109</cusip>
       <value>9760</value>
       <shrsOrPrnAmt>
           <sshPrnamt>200404</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>199604</Sole>
           <Shared>0</Shared>
           <None>800</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TOTAL S.A. SPONSORED ADR*</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>89151E109</cusip>
       <value>644</value>
       <shrsOrPrnAmt>
           <sshPrnamt>13216</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>13216</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TRANSOCEAN LTD*</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>H8817H100</cusip>
       <value>339</value>
       <shrsOrPrnAmt>
           <sshPrnamt>7061</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>7061</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ULTRA PETROLEUM CORP</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>903914109</cusip>
       <value>297</value>
       <shrsOrPrnAmt>
           <sshPrnamt>15000</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>15000</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ULTRA PETROLEUM CORP</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>903914109</cusip>
       <value>277</value>
       <shrsOrPrnAmt>
           <sshPrnamt>13970</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>13970</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VALIDUS HOLDINGS LTD*</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>G9319H102</cusip>
       <value>317</value>
       <shrsOrPrnAmt>
           <sshPrnamt>8787</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>8787</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VALIDUS HOLDINGS LTD*</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>G9319H102</cusip>
       <value>7</value>
       <shrsOrPrnAmt>
           <sshPrnamt>200</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>200</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VODAFONE GROUP PLC SPON ADR*</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>92857W209</cusip>
       <value>4945</value>
       <shrsOrPrnAmt>
           <sshPrnamt>172040</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>163990</Sole>
           <Shared>0</Shared>
           <None>8050</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VODAFONE GROUP PLC SPON ADR*</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>92857W209</cusip>
       <value>600</value>
       <shrsOrPrnAmt>
           <sshPrnamt>20881</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>20881</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>XL GROUP PLC</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>G98290102</cusip>
       <value>189</value>
       <shrsOrPrnAmt>
           <sshPrnamt>6218</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>2267</Sole>
           <Shared>0</Shared>
           <None>3951</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>XL GROUP PLC</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>G98290102</cusip>
       <value>58</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1913</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>1913</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>MORGAN STANLEY INDIA INVESTMEN</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>61745C105</cusip>
       <value>200</value>
       <shrsOrPrnAmt>
           <sshPrnamt>13000</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>NUVEEN AMT-FREE MUNICIPAL INCO</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>670657105</cusip>
       <value>293</value>
       <shrsOrPrnAmt>
           <sshPrnamt>22764</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>NUVEEN PREMIUM INCOME MUNICIPA</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
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           <sshPrnamt>6405</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
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           <Sole>3865</Sole>
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       <cusip>118230101</cusip>
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       <shrsOrPrnAmt>
           <sshPrnamt>7403</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
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           <Sole>7403</Sole>
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           <None>0</None>
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       <shrsOrPrnAmt>
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           <None>0</None>
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           <Sole>1440</Sole>
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           <None>0</None>
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           <sshPrnamt>9543</sshPrnamt>
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       <cusip>29273V100</cusip>
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           <sshPrnamt>125</sshPrnamt>
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       <investmentDiscretion>OTR</investmentDiscretion>
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           <None>0</None>
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       <nameOfIssuer>ENERGY TRANSFER PARTNERS LP*</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>29273R109</cusip>
       <value>3752</value>
       <shrsOrPrnAmt>
           <sshPrnamt>74233</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
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       <cusip>29273R109</cusip>
       <value>1066</value>
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           <sshPrnamt>21092</sshPrnamt>
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       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
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           <None>0</None>
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       <titleOfClass>OTHER</titleOfClass>
       <cusip>293792107</cusip>
       <value>1868</value>
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           <sshPrnamt>30049</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
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           <Shared>0</Shared>
           <None>0</None>
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       <nameOfIssuer>HOLLY ENERGY PARTNERS L P</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>435763107</cusip>
       <value>945</value>
       <shrsOrPrnAmt>
           <sshPrnamt>24840</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
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           <Sole>20840</Sole>
           <Shared>0</Shared>
           <None>4000</None>
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       <titleOfClass>OTHER</titleOfClass>
       <cusip>494550106</cusip>
       <value>8640</value>
       <shrsOrPrnAmt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
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           <Shared>0</Shared>
           <None>1150</None>
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       <cusip>494550106</cusip>
       <value>463</value>
       <shrsOrPrnAmt>
           <sshPrnamt>5416</sshPrnamt>
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       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
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           <Sole>5416</Sole>
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           <None>0</None>
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       <nameOfIssuer>KINDER MORGAN MANAGEMENT LLC</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>49455U100</cusip>
       <value>1370</value>
       <shrsOrPrnAmt>
           <sshPrnamt>16393</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>16393</Sole>
           <Shared>0</Shared>
           <None>0</None>
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       <nameOfIssuer>LAZARD LTD CL A COM*</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>G54050102</cusip>
       <value>6100</value>
       <shrsOrPrnAmt>
           <sshPrnamt>189736</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
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           <Sole>189736</Sole>
           <Shared>0</Shared>
           <None>0</None>
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       <nameOfIssuer>LAZARD LTD CL A COM*</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>G54050102</cusip>
       <value>399</value>
       <shrsOrPrnAmt>
           <sshPrnamt>12411</sshPrnamt>
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       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>12411</Sole>
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           <None>0</None>
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       <nameOfIssuer>MAGELLAN MIDSTREAM PARTNERS LP</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>559080106</cusip>
       <value>996</value>
       <shrsOrPrnAmt>
           <sshPrnamt>18272</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
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           <Sole>18272</Sole>
           <Shared>0</Shared>
           <None>0</None>
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       <titleOfClass>OTHER</titleOfClass>
       <cusip>67058H102</cusip>
       <value>294</value>
       <shrsOrPrnAmt>
           <sshPrnamt>6443</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
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           <Sole>6443</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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       <nameOfIssuer>PLAINS ALL AMERICAN PIPELINE L</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>726503105</cusip>
       <value>11456</value>
       <shrsOrPrnAmt>
           <sshPrnamt>205269</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
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           <Shared>0</Shared>
           <None>1300</None>
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       <nameOfIssuer>PLAINS ALL AMERICAN PIPELINE L</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>726503105</cusip>
       <value>1258</value>
       <shrsOrPrnAmt>
           <sshPrnamt>22549</sshPrnamt>
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       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
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           <Sole>22549</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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       <nameOfIssuer>SABINE ROYALTY TRUST UNITS BEN</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>785688102</cusip>
       <value>1043</value>
       <shrsOrPrnAmt>
           <sshPrnamt>20185</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>19104</Sole>
           <Shared>0</Shared>
           <None>1081</None>
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       <nameOfIssuer>SAN JUAN BASIN RTY TR UNIT BEN</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>798241105</cusip>
       <value>467</value>
       <shrsOrPrnAmt>
           <sshPrnamt>29120</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
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       <cusip>864482104</cusip>
       <value>59</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1260</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
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       <value>143</value>
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       <investmentDiscretion>OTR</investmentDiscretion>
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       <cusip>869239103</cusip>
       <value>557</value>
       <shrsOrPrnAmt>
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           <None>0</None>
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       <titleOfClass>OTHER</titleOfClass>
       <cusip>958254104</cusip>
       <value>1145</value>
       <shrsOrPrnAmt>
           <sshPrnamt>17647</sshPrnamt>
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</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
