<SEC-DOCUMENT>0000950123-13-007905.txt : 20131016
<SEC-HEADER>0000950123-13-007905.hdr.sgml : 20131016
<ACCEPTANCE-DATETIME>20131016083602
ACCESSION NUMBER:		0000950123-13-007905
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20130930
FILED AS OF DATE:		20131016
DATE AS OF CHANGE:		20131016
EFFECTIVENESS DATE:		20131016

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:		131153231

	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
<FILENAME>primary_doc.xml
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        <confirmingCopyFlag>false</confirmingCopyFlag>
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      <filer>
        <credentials>
          <cik>0000039263</cik>
          <ccc>XXXXXXXX</ccc>
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      <periodOfReport>09-30-2013</periodOfReport>
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    <coverPage>
      <reportCalendarOrQuarter>09-30-2013</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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      <form13FFileNumber>028-00183</form13FFileNumber>
      <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>10-05-2013</signatureDate>
    </signatureBlock>
    <summaryPage>
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      <tableValueTotal>2040060</tableValueTotal>
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       <nameOfIssuer>ISHARES COHEN AND STEERS REIT</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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       <cusip>464287234</cusip>
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       <nameOfIssuer>ISHARES RUSSELL 1000 GROWTH ET</nameOfIssuer>
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       <cusip>464287614</cusip>
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       <cusip>464287598</cusip>
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       <cusip>464287598</cusip>
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       <cusip>464287648</cusip>
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       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>2900</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>POWERSHARES SR LOAN PORTFOLIO</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>73936Q769</cusip>
       <value>1630</value>
       <shrsOrPrnAmt>
           <sshPrnamt>66040</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>66040</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>POWERSHARES SR LOAN PORTFOLIO</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>73936Q769</cusip>
       <value>75</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3040</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>3040</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>PPG INDUSTRIES INC COM *</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>693506107</cusip>
       <value>10252</value>
       <shrsOrPrnAmt>
           <sshPrnamt>61367</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>56667</Sole>
           <Shared>0</Shared>
           <None>4700</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>PPG INDUSTRIES INC COM *</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>693506107</cusip>
       <value>271</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1620</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>1620</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>PPL CORPORATION COM*</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>69351T106</cusip>
       <value>352</value>
       <shrsOrPrnAmt>
           <sshPrnamt>11600</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>11600</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>PRAXAIR INC COM*</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>74005P104</cusip>
       <value>6319</value>
       <shrsOrPrnAmt>
           <sshPrnamt>52569</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>52169</Sole>
           <Shared>0</Shared>
           <None>400</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>PRAXAIR INC COM*</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>74005P104</cusip>
       <value>413</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3434</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>3434</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>PRICE T ROWE GROUP INC COM</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>74144T108</cusip>
       <value>2039</value>
       <shrsOrPrnAmt>
           <sshPrnamt>28341</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>28341</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>PRICE T ROWE GROUP INC COM</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>74144T108</cusip>
       <value>144</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2000</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>2000</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>PRICELINE.COM INCORPORATED COM</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>741503403</cusip>
       <value>8748</value>
       <shrsOrPrnAmt>
           <sshPrnamt>8653</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>8653</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>PRICELINE.COM INCORPORATED COM</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>741503403</cusip>
       <value>337</value>
       <shrsOrPrnAmt>
           <sshPrnamt>333</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>333</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>14217</value>
       <shrsOrPrnAmt>
           <sshPrnamt>188078</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>181188</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>3230</value>
       <shrsOrPrnAmt>
           <sshPrnamt>42728</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>42728</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>PROSPERITY BANCSHARES INC COM</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>743606105</cusip>
       <value>1210</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>PUBLIC SERVICE ENTERPRISE GROU</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>744573106</cusip>
       <value>244</value>
       <shrsOrPrnAmt>
           <sshPrnamt>7412</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>7412</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>QUALCOMM INC COM*</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>747525103</cusip>
       <value>15128</value>
       <shrsOrPrnAmt>
           <sshPrnamt>224723</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>221190</Sole>
           <Shared>0</Shared>
           <None>3533</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>QUALCOMM INC COM*</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>747525103</cusip>
       <value>1224</value>
       <shrsOrPrnAmt>
           <sshPrnamt>18188</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>18188</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>RAYTHEON CO NEW COM*</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>755111507</cusip>
       <value>1231</value>
       <shrsOrPrnAmt>
           <sshPrnamt>15973</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>13510</Sole>
           <Shared>0</Shared>
           <None>2463</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>RAYTHEON CO NEW COM*</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>755111507</cusip>
       <value>139</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1805</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>1805</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ROCKWELL AUTOMATION INC COM *</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>773903109</cusip>
       <value>972</value>
       <shrsOrPrnAmt>
           <sshPrnamt>9085</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>9085</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ROCKWELL AUTOMATION INC COM *</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>773903109</cusip>
       <value>180</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1685</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>1685</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ROSS STORES INC COM</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>778296103</cusip>
       <value>582</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>91112</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>2012</value>
       <shrsOrPrnAmt>
           <sshPrnamt>24263</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>24263</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>69</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>SELECT SECTOR SPDR FD - FINL E</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>81369Y605</cusip>
       <value>1035</value>
       <shrsOrPrnAmt>
           <sshPrnamt>51980</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>51980</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>162</value>
       <shrsOrPrnAmt>
           <sshPrnamt>8145</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>8145</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>12373</value>
       <shrsOrPrnAmt>
           <sshPrnamt>266628</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>266628</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SELECT SECTOR SPDR FD - TECH E</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>81369Y803</cusip>
       <value>333</value>
       <shrsOrPrnAmt>
           <sshPrnamt>10383</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>10383</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>323</value>
       <shrsOrPrnAmt>
           <sshPrnamt>6389</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>6034</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>62</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>115</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>100</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>237</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1300</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>1300</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SIGMA-ALDRICH CORP COM</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>826552101</cusip>
       <value>273</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3200</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>3200</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SILICON LABORATORIES INC COM*</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>826919102</cusip>
       <value>1907</value>
       <shrsOrPrnAmt>
           <sshPrnamt>44645</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>38225</Sole>
           <Shared>0</Shared>
           <None>6420</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SILICON LABORATORIES INC COM*</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>826919102</cusip>
       <value>1334</value>
       <shrsOrPrnAmt>
           <sshPrnamt>31232</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
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       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>806857108</cusip>
       <value>40239</value>
       <shrsOrPrnAmt>
           <sshPrnamt>455394</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>155114</Sole>
           <Shared>297435</Shared>
           <None>2845</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SCHLUMBERGER LIMITED COM*</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>806857108</cusip>
       <value>2205</value>
       <shrsOrPrnAmt>
           <sshPrnamt>24954</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>24954</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SEADRILL LTD*</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>G7945E105</cusip>
       <value>3254</value>
       <shrsOrPrnAmt>
           <sshPrnamt>72177</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>70477</Sole>
           <Shared>0</Shared>
           <None>1700</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SEADRILL LTD*</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>G7945E105</cusip>
       <value>184</value>
       <shrsOrPrnAmt>
           <sshPrnamt>4084</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>3984</Sole>
           <Shared>0</Shared>
           <None>100</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>STATOIL ASA - SPONSORED ADR*</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>85771P102</cusip>
       <value>262</value>
       <shrsOrPrnAmt>
           <sshPrnamt>11566</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>11566</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>STATOIL ASA - SPONSORED ADR*</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>85771P102</cusip>
       <value>24</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1052</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <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>6365</value>
       <shrsOrPrnAmt>
           <sshPrnamt>177902</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>177902</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>SUNCOR ENERGY INC*</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>867224107</cusip>
       <value>754</value>
       <shrsOrPrnAmt>
           <sshPrnamt>21087</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>21087</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SYNGENTA AG ADR*</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>87160A100</cusip>
       <value>490</value>
       <shrsOrPrnAmt>
           <sshPrnamt>6030</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>6030</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>SYNGENTA AG ADR*</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>87160A100</cusip>
       <value>22</value>
       <shrsOrPrnAmt>
           <sshPrnamt>276</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <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>2426</value>
       <shrsOrPrnAmt>
           <sshPrnamt>64211</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>55331</Sole>
           <Shared>0</Shared>
           <None>8880</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>TEVA PHARMACEUTICAL INDS LTD A</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>881624209</cusip>
       <value>24</value>
       <shrsOrPrnAmt>
           <sshPrnamt>642</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>642</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>TOTAL S.A. SPONSORED ADR*</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>89151E109</cusip>
       <value>13604</value>
       <shrsOrPrnAmt>
           <sshPrnamt>234878</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>234048</Sole>
           <Shared>0</Shared>
           <None>830</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TOTAL S.A. SPONSORED ADR*</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>89151E109</cusip>
       <value>904</value>
       <shrsOrPrnAmt>
           <sshPrnamt>15606</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>15606</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TRANSOCEAN LTD*</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>H8817H100</cusip>
       <value>212</value>
       <shrsOrPrnAmt>
           <sshPrnamt>4773</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>4773</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ULTRA PETROLEUM CORP</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>903914109</cusip>
       <value>309</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>287</value>
       <shrsOrPrnAmt>
           <sshPrnamt>13970</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <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>212</value>
       <shrsOrPrnAmt>
           <sshPrnamt>5742</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>5742</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>
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       <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>5392</value>
       <shrsOrPrnAmt>
           <sshPrnamt>153272</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>146152</Sole>
           <Shared>0</Shared>
           <None>7120</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VODAFONE GROUP PLC SPON ADR*</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>92857W209</cusip>
       <value>763</value>
       <shrsOrPrnAmt>
           <sshPrnamt>21681</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>21681</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>DNP SELECT INCOME FD INC%</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>23325P104</cusip>
       <value>331</value>
       <shrsOrPrnAmt>
           <sshPrnamt>34414</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>MORGAN STANLEY INDIA INVESTMEN</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>61745C105</cusip>
       <value>196</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 PREMIUM INCOME MUNICIPA</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>6706K4105</cusip>
       <value>165</value>
       <shrsOrPrnAmt>
           <sshPrnamt>13890</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>BP PRUDHOE BAY ROYALTY TRUST</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>055630107</cusip>
       <value>555</value>
       <shrsOrPrnAmt>
           <sshPrnamt>6405</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>3865</Sole>
           <Shared>540</Shared>
           <None>2000</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>BUCKEYE PARTNERS L P UNIT</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>118230101</cusip>
       <value>372</value>
       <shrsOrPrnAmt>
           <sshPrnamt>5683</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>5683</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>BUCKEYE PARTNERS L P UNIT</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>118230101</cusip>
       <value>3</value>
       <shrsOrPrnAmt>
           <sshPrnamt>50</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>50</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ENBRIDGE ENERGY PARTNERS L P</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>29250R106</cusip>
       <value>557</value>
       <shrsOrPrnAmt>
           <sshPrnamt>18290</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>16290</Sole>
           <Shared>0</Shared>
           <None>2000</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>ENBRIDGE ENERGY PARTNERS L P</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>29250R106</cusip>
       <value>29</value>
       <shrsOrPrnAmt>
           <sshPrnamt>940</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>940</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ENERGY TRANSFER EQUITY LP</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>29273V100</cusip>
       <value>628</value>
       <shrsOrPrnAmt>
           <sshPrnamt>9543</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>9543</Sole>
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           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ENERGY TRANSFER EQUITY LP</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>29273V100</cusip>
       <value>8</value>
       <shrsOrPrnAmt>
           <sshPrnamt>125</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>125</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ENERGY TRANSFER PARTNERS LP*</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>29273R109</cusip>
       <value>4131</value>
       <shrsOrPrnAmt>
           <sshPrnamt>79344</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>79344</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>ENERGY TRANSFER PARTNERS LP*</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>29273R109</cusip>
       <value>1169</value>
       <shrsOrPrnAmt>
           <sshPrnamt>22449</sshPrnamt>
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       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
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           <Sole>22449</Sole>
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           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ENTERPRISE PRODUCTS PARTNERS L</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>293792107</cusip>
       <value>1895</value>
       <shrsOrPrnAmt>
           <sshPrnamt>31049</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
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           <Sole>31049</Sole>
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           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>ENTERPRISE PRODUCTS PARTNERS L</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>293792107</cusip>
       <value>98</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1600</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>1600</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>HOLLY ENERGY PARTNERS L P</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>435763107</cusip>
       <value>821</value>
       <shrsOrPrnAmt>
           <sshPrnamt>24840</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>20840</Sole>
           <Shared>0</Shared>
           <None>4000</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>KINDER MORGAN ENERGY PARTNERS</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>494550106</cusip>
       <value>8643</value>
       <shrsOrPrnAmt>
           <sshPrnamt>108273</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
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           <Sole>107123</Sole>
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   <infoTable>
       <nameOfIssuer>KINDER MORGAN ENERGY PARTNERS</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>494550106</cusip>
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</SEC-DOCUMENT>
